/* ===== Dailycaltor — shared styles ===== */
:root{
  --bg:#F8FAFC; --ink:#1E293B; --paper:#FFFFFF;
  --green:#0F4CFF; --green-tint:#EDF2FF; --green-dk:#2563EB;
  --brick:#F97316;
  --muted:#64748B; --line:#E2E8F0; --line-strong:#CBD5E1;
  --seg-fed:#34506B; --seg-ss:#6E7B8B; --seg-med:#9AA6B2;
  --seg-state:#B7893B; --seg-401k:#4C9A86;
  --radius:16px;
  --sans:'Inter',system-ui,-apple-system,Segoe UI,Roboto,sans-serif;
  --mono:'IBM Plex Mono',ui-monospace,SFMono-Regular,Menlo,monospace;
}
*{box-sizing:border-box;margin:0;padding:0}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{background:var(--bg);color:var(--ink);font-family:var(--sans);
  line-height:1.55;-webkit-font-smoothing:antialiased}
a{color:var(--green-dk)}
.wrap{max-width:600px;margin:0 auto;padding:0 18px}

/* nav */
.nav{position:sticky;top:0;z-index:20;background:rgba(247,246,242,.9);
  backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.nav .wrap{display:flex;align-items:center;justify-content:space-between;height:56px}
.logo{font-weight:700;font-size:1.15rem;letter-spacing:-.02em;text-decoration:none;color:var(--ink);
  display:inline-flex;align-items:center;gap:8px}
.logo .dot{width:11px;height:11px;border-radius:50%;background:var(--green);box-shadow:0 0 0 4px var(--green-tint)}
.nav .links{display:flex;gap:16px;font-size:.9rem;font-weight:500}
.nav .links a{color:var(--muted);text-decoration:none}
.nav .links a:hover,.nav .links a[aria-current]{color:var(--ink)}
@media(max-width:520px){.nav .links a.hide-sm{display:none}}

/* generic page */
.page{padding:26px 0 60px}
h1{font-size:1.5rem;line-height:1.2;letter-spacing:-.02em;margin:0 0 6px}
.sub{color:var(--muted);font-size:.98rem;margin:0 0 20px}
h2{font-size:1.15rem;letter-spacing:-.01em;margin:26px 0 10px}
h3{font-size:1rem;margin:18px 0 6px}
p{margin:0 0 12px}
.prose p,.prose li{font-size:.96rem;color:#333}
.prose ul,.prose ol{margin:0 0 14px 20px}
.prose li{margin-bottom:6px}
.eyebrow{font-size:.78rem;font-weight:600;text-transform:uppercase;letter-spacing:.08em;color:var(--green-dk)}

/* cards & inputs */
.card{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:18px}
.field{margin-bottom:16px}.field:last-child{margin-bottom:0}
label{display:block;font-size:.82rem;font-weight:600;color:var(--muted);
  text-transform:uppercase;letter-spacing:.04em;margin-bottom:7px}
.money-in{position:relative}
.money-in .sym{position:absolute;left:14px;top:50%;transform:translateY(-50%);
  color:var(--muted);font-family:var(--mono);font-size:1.05rem;pointer-events:none}
input[type=number],input[type=text],input[type=time],input[type=email],textarea{
  width:100%;font-family:var(--mono);font-size:1.1rem;font-weight:500;
  padding:13px 14px;border:1.5px solid var(--line-strong);border-radius:10px;background:#fff;color:var(--ink)}
textarea{font-family:var(--sans);font-size:1rem;min-height:120px;resize:vertical}
input[type=email],input[type=text]{font-family:var(--sans)}
.money-in input{padding-left:30px;-moz-appearance:textfield}
input[type=number]::-webkit-outer-spin-button,input[type=number]::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--green);box-shadow:0 0 0 3px var(--green-tint)}
select{width:100%;font-family:var(--sans);font-size:1rem;font-weight:500;
  padding:13px 40px 13px 14px;border:1.5px solid var(--line-strong);border-radius:10px;background:#fff;color:var(--ink);
  appearance:none;-webkit-appearance:none;cursor:pointer}
.select-wrap{position:relative}
.select-wrap:after{content:"";position:absolute;right:16px;top:50%;width:9px;height:9px;
  border-right:2px solid var(--muted);border-bottom:2px solid var(--muted);
  transform:translateY(-70%) rotate(45deg);pointer-events:none}
.row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.hint{font-size:.78rem;color:var(--muted);margin-top:6px}
.seg{display:inline-flex;background:#EFEDE6;border-radius:10px;padding:4px;gap:2px;width:100%}
.seg button{flex:1;border:0;background:transparent;font-family:var(--sans);font-size:.9rem;font-weight:600;
  color:var(--muted);padding:9px 6px;border-radius:7px;cursor:pointer}
.seg button[aria-pressed=true]{background:#fff;color:var(--ink);box-shadow:0 1px 3px rgba(0,0,0,.08)}

/* result / hero / stub */
.result{margin-top:22px}
.hero{background:var(--green);color:#fff;border-radius:var(--radius) var(--radius) 0 0;
  padding:22px 20px 24px;text-align:center;overflow:hidden}
.hero .k{font-size:.8rem;text-transform:uppercase;letter-spacing:.08em;opacity:.85;font-weight:600}
.hero .big{font-family:var(--mono);font-weight:600;font-size:2.7rem;line-height:1.05;
  letter-spacing:-.02em;margin:6px 0 2px;font-variant-numeric:tabular-nums}
.hero .per{opacity:.9;font-size:.92rem}
.hero .freqline{margin-top:10px;font-size:.82rem;opacity:.85;border-top:1px solid rgba(255,255,255,.25);
  padding-top:9px;display:flex;justify-content:space-around;gap:6px;flex-wrap:wrap}
.hero .freqline span b{font-family:var(--mono);font-weight:600;display:block;font-size:.95rem}
.bar{height:16px;display:flex;overflow:hidden}
.bar i{height:100%;transition:width .5s cubic-bezier(.4,0,.2,1);display:block}
@media(prefers-reduced-motion:reduce){.bar i{transition:none}}
.stub{background:var(--paper);border:1px solid var(--line);border-top:0;
  border-radius:0 0 var(--radius) var(--radius);padding:16px 20px 6px;position:relative}
.stub:before{content:"";position:absolute;left:0;right:0;top:-1px;height:6px;
  background:radial-gradient(circle at 6px -3px,transparent 6px,var(--paper) 7px) 0 0/12px 6px repeat-x}
.stub h3{font-size:.78rem;text-transform:uppercase;letter-spacing:.06em;color:var(--muted);margin:2px 0 10px;font-weight:600}
.line{display:flex;align-items:center;justify-content:space-between;padding:9px 0;border-bottom:1px dashed var(--line)}
.line .lbl{display:flex;align-items:center;gap:9px;font-size:.92rem}
.swatch{width:10px;height:10px;border-radius:2px;flex:none}
.line .val{font-family:var(--mono);font-weight:500;font-variant-numeric:tabular-nums;font-size:.98rem}
.val.neg{color:var(--brick)}
.line.total{border-bottom:0;border-top:2px solid var(--ink);margin-top:2px;padding-top:12px}
.line.total .lbl{font-weight:700;font-size:1rem}
.line.total .val{font-weight:600;font-size:1.15rem;color:var(--green)}
.rate-note{font-size:.78rem;color:var(--muted);padding:8px 0 2px;text-align:right}
.rate-note b{font-family:var(--mono);color:var(--ink)}

/* ad slot */
.adslot{margin:20px 0;border:1px dashed var(--line-strong);border-radius:10px;padding:20px;text-align:center;
  color:#B4B0A4;font-size:.8rem;background:#FBFAF7;letter-spacing:.03em}

/* related / lists */
.related h2{margin:26px 2px 12px}
.tools{display:grid;gap:8px}
.tool{display:flex;align-items:center;justify-content:space-between;background:#fff;border:1px solid var(--line);
  border-radius:10px;padding:13px 15px;text-decoration:none;color:var(--ink);font-weight:500;font-size:.94rem;transition:border-color .15s}
.tool:hover{border-color:var(--green)}
.tool .arw{color:var(--muted)}
.tool .soon{font-size:.7rem;color:var(--muted);background:#F1EFE8;padding:2px 8px;border-radius:20px;text-transform:uppercase;letter-spacing:.04em}

/* faq */
.faq{margin-top:30px}
details{background:#fff;border:1px solid var(--line);border-radius:10px;margin-bottom:8px;padding:0 15px}
summary{cursor:pointer;font-weight:600;font-size:.94rem;padding:13px 0;list-style:none;display:flex;justify-content:space-between;align-items:center}
summary::-webkit-details-marker{display:none}
summary:after{content:"+";color:var(--muted);font-size:1.3rem;font-weight:400}
details[open] summary:after{content:"–"}
details p{padding:0 0 14px;font-size:.9rem;color:#444}

/* blog list */
.postlist{display:grid;gap:10px;margin-top:6px}
.post{display:block;background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px;text-decoration:none;color:var(--ink)}
.post:hover{border-color:var(--green)}
.post .cat{font-size:.72rem;text-transform:uppercase;letter-spacing:.05em;color:var(--green-dk);font-weight:600}
.post h3{margin:5px 0 4px;font-size:1.02rem}
.post p{font-size:.85rem;color:var(--muted);margin:0}
.post .plan{opacity:.7}

/* buttons */
.btn{display:inline-block;background:var(--green);color:#fff;border:0;border-radius:10px;
  padding:12px 20px;font-family:var(--sans);font-weight:600;font-size:.95rem;text-decoration:none;cursor:pointer}
.btn:hover{background:var(--green-dk)}

/* footer */
footer{background:#fff;border-top:1px solid var(--line);margin-top:40px}
footer .wrap{padding:26px 18px 34px}
.fcols{display:flex;gap:30px;flex-wrap:wrap;margin-bottom:18px}
.fcol h4{font-size:.78rem;text-transform:uppercase;letter-spacing:.05em;color:var(--muted);margin-bottom:8px}
.fcol a{display:block;font-size:.9rem;color:var(--ink);text-decoration:none;margin-bottom:6px}
.fcol a:hover{color:var(--green-dk)}
.fine{font-size:.78rem;color:var(--muted);line-height:1.6;border-top:1px solid var(--line);padding-top:14px}

/* ===== Hub & engagement additions ===== */
.hero-lg{background:linear-gradient(135deg,#0E7C5A 0%,#0A6247 55%,#0d8a6f 100%);color:#fff;
  border-radius:20px;padding:32px 22px 28px;margin:22px 0 4px;text-align:center;position:relative;overflow:hidden}
.hero-lg:before{content:"";position:absolute;inset:0;
  background:radial-gradient(560px 220px at 82% -20%,rgba(255,255,255,.18),transparent);pointer-events:none}
.hero-lg h1{font-size:1.8rem;line-height:1.15;margin:0 0 8px;letter-spacing:-.025em;color:#fff}
.hero-lg p{opacity:.92;font-size:1rem;margin:0 auto;max-width:34ch}
.hero-lg .pill{display:inline-block;margin-bottom:12px;font-size:.72rem;font-weight:700;letter-spacing:.08em;
  text-transform:uppercase;background:rgba(255,255,255,.16);padding:5px 12px;border-radius:999px}
.chips{display:flex;gap:8px;overflow-x:auto;padding:16px 0 6px;scrollbar-width:none}
.chips::-webkit-scrollbar{display:none}
.chip{flex:none;border:1.5px solid var(--line-strong);background:#fff;color:var(--ink);border-radius:999px;
  padding:8px 16px;font-family:var(--sans);font-weight:600;font-size:.85rem;cursor:pointer;white-space:nowrap;transition:.15s}
.chip[aria-pressed=true]{background:var(--ink);color:#fff;border-color:var(--ink)}
.grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:6px}
.tcard{display:block;background:#fff;border:1px solid var(--line);border-radius:16px;padding:16px;
  text-decoration:none;color:var(--ink);position:relative;transition:transform .15s,box-shadow .15s,border-color .15s}
.tcard:hover,.tcard:focus{transform:translateY(-3px);box-shadow:0 10px 26px rgba(20,20,15,.10);border-color:var(--green);outline:none}
.ticon{width:46px;height:46px;border-radius:13px;display:flex;align-items:center;justify-content:center;font-size:1.45rem;margin-bottom:11px}
.tcard h3{font-size:1rem;margin:0 0 3px;letter-spacing:-.01em}
.tcard p{font-size:.8rem;color:var(--muted);margin:0;line-height:1.4}
.badge{position:absolute;top:13px;right:13px;font-size:.6rem;font-weight:700;text-transform:uppercase;
  letter-spacing:.05em;background:var(--green-tint);color:var(--green-dk);padding:3px 8px;border-radius:999px}
.badge.hot{background:#FCE9E3;color:var(--brick)}
.tcard.soon{opacity:.55}
.tcard.soon:hover{transform:none;box-shadow:none;border-color:var(--line)}
.sect-title{font-size:1.2rem;margin:28px 2px 2px;letter-spacing:-.01em}
.quicknote{font-size:.82rem;color:var(--muted);margin:6px 2px 0}
.tip-btns{display:flex;gap:8px;flex-wrap:wrap}
.tip-btns button{flex:1;min-width:56px;border:1.5px solid var(--line-strong);background:#fff;border-radius:10px;
  padding:11px 6px;font-family:var(--mono);font-weight:600;font-size:1rem;cursor:pointer}
.tip-btns button[aria-pressed=true]{background:var(--green);color:#fff;border-color:var(--green)}
.cat-good{color:var(--green)!important}.cat-warn{color:var(--seg-state)!important}.cat-bad{color:var(--brick)!important}
@media(max-width:360px){.grid{grid-template-columns:1fr}}

/* ===== Dark mode ===== */
[data-theme="dark"]{--bg:#0F172A;--ink:#F1F5F9;--paper:#111827;--muted:#94A3B8;--line:#1F2937;--line-strong:#334155;
--green-tint:#122042;}
[data-theme="dark"] .nav{background:rgba(15,23,42,.9)}
[data-theme="dark"] .seg{background:#1F2937}
[data-theme="dark"] .seg button[aria-pressed=true]{background:#334155;color:var(--ink)}
[data-theme="dark"] input,[data-theme="dark"] select,[data-theme="dark"] textarea{background:#1E293B;color:var(--ink)}
[data-theme="dark"] .adslot{background:#111827;color:#475569}
[data-theme="dark"] .tip-btns button{background:#1E293B;color:var(--ink)}
[data-theme="dark"] .post,[data-theme="dark"] details,[data-theme="dark"] .tool,[data-theme="dark"] .tcard,[data-theme="dark"] .tcell,[data-theme="dark"] .cmpcard{background:var(--paper)}
#themeBtn{border:0;background:transparent;cursor:pointer;font-size:1.05rem;padding:4px 6px;line-height:1}
/* action row */
.actions{display:flex;gap:8px;margin-top:10px}
.actions button{flex:1;border:1.5px solid var(--line-strong);background:var(--paper);color:var(--ink);
border-radius:10px;padding:10px 6px;font-family:var(--sans);font-weight:600;font-size:.85rem;cursor:pointer}
.actions button:active{transform:scale(.98)}

/* data tables in guides */
.dtable{width:100%;border-collapse:collapse;margin:14px 0;font-size:.92rem}
.dtable th{background:var(--green);color:#fff;text-align:left;padding:9px 12px;font-weight:600}
.dtable td{padding:9px 12px;border-bottom:1px solid var(--line)}
.dtable tr:nth-child(even) td{background:var(--green-tint)}
.dtable td.num{font-family:var(--mono);font-weight:600}
[data-theme="dark"] .dtable tr:nth-child(even) td{background:#122042}


/* ===== DailyCaltor brand layer ===== */
.logoimg{height:30px;width:auto;display:block}
.hero{background:linear-gradient(135deg,#0F4CFF 0%,#22C55E 120%)!important}
.badge.hot{background:#F97316}
.btn{border-radius:14px}
.tcard,.card,.stub,.post,.cmpcard{border-radius:16px}
a{color:#0F4CFF}
.prose a,.rate-note a,.quicknote a{color:#0F4CFF}
.actions button:hover{border-color:#0F4CFF;color:#0F4CFF}
[data-theme="dark"] a{color:#60A5FA}

/* ===== print: result card only ===== */
@media print{
.nav,.adslot,.actions,.card,.prose,.faq,.related,footer,.quicknote,.eyebrow,.sub,#themeBtn,.tools,.hint{display:none!important}
body{background:#fff}
.result{page-break-inside:avoid}
.hero{background:#0F4CFF!important;print-color-adjust:exact;-webkit-print-color-adjust:exact}
main.page{padding-top:8px}
}

/* fix: chips visible in dark mode */
[data-theme="dark"] .chip{background:var(--paper);color:var(--muted);border-color:var(--line-strong)}
[data-theme="dark"] .chip[aria-pressed="true"]{background:#0F4CFF;border-color:#0F4CFF;color:#fff}
[data-theme="dark"] .logo{color:var(--ink)}