:root { --ink:#1c1a17; --deep:#221f1c; --surface:#2a2620; --gold:#c9a96e; --gold-light:#e8d5a8; --gold-dark:#9a7a42;
        --warm-white:#faf8f4; --muted:#8a8070; --subtle:#4a4438;
        --border:rgba(201,169,110,0.15);
        --serif:'Cormorant Garamond',Georgia,serif; --sans:'Montserrat',sans-serif;
        --bad:#e89a8a; --good:#a8d8a0; }
*,*::before,*::after { box-sizing:border-box; margin:0; padding:0; }
html { scroll-behavior:smooth; scroll-padding-top:90px; }
body { background:var(--ink); color:var(--warm-white); font-family:var(--serif); line-height:1.85; min-height:100vh; }
a { color:var(--gold); text-decoration:none; transition:color .2s; }
a:hover { color:var(--gold-light); }
.skip-link { position:absolute; left:-10000px; top:12px; background:var(--gold); color:var(--ink); font-family:var(--sans); font-size:11px; letter-spacing:0.2em; text-transform:uppercase; padding:10px 20px; z-index:10000; }
.skip-link:focus { left:16px; }
nav#main-nav { position:fixed; top:0; left:0; right:0; z-index:500; display:flex; align-items:center; justify-content:space-between; padding:0 40px; height:72px; background:rgba(28,26,23,0.96); backdrop-filter:blur(24px); border-bottom:0.5px solid var(--border); }
.nav-logo img { height:36px; width:auto; display:block; }
.nav-back { font-family:var(--sans); font-size:10px; letter-spacing:0.2em; text-transform:uppercase; color:var(--muted); }
.nav-back:hover { color:var(--gold-light); }

.hero { padding:140px 40px 60px; border-bottom:0.5px solid var(--border); background:radial-gradient(ellipse 70% 90% at 80% 30%,rgba(201,169,110,0.06) 0%,transparent 60%); }
.hero-inner { max-width:880px; margin:0 auto; }
.breadcrumb { font-family:var(--sans); font-size:10px; letter-spacing:0.2em; text-transform:uppercase; color:var(--muted); margin-bottom:32px; display:flex; gap:10px; flex-wrap:wrap; }
.breadcrumb a { color:var(--gold-dark); }
.breadcrumb .sep { color:var(--subtle); }
.eyebrow { font-family:var(--sans); font-size:10px; letter-spacing:0.3em; text-transform:uppercase; color:var(--gold); margin-bottom:24px; display:flex; align-items:center; gap:14px; }
.eyebrow::before { content:''; display:block; width:24px; height:0.5px; background:var(--gold); }
h1 { font-family:var(--serif); font-size:clamp(40px,5.5vw,68px); font-weight:300; line-height:1.1; letter-spacing:-0.01em; margin-bottom:28px; }
h1 em { font-style:italic; color:var(--gold); }
.deck { font-family:var(--serif); font-size:22px; font-weight:300; line-height:1.65; color:rgba(247,243,236,0.8); max-width:720px; }

.tool-section { padding:80px 40px; }
.tool-inner { max-width:880px; margin:0 auto; }
.tool-grid { display:grid; grid-template-columns:1fr 1fr; gap:48px; align-items:start; }
.input-card { background:var(--surface); border:0.5px solid var(--border); padding:36px 32px; }
.input-h { font-family:var(--sans); font-size:10px; letter-spacing:0.25em; text-transform:uppercase; color:var(--gold); margin-bottom:24px; }
.field { margin-bottom:24px; }
.field-label { display:block; font-family:var(--sans); font-size:11px; letter-spacing:0.18em; text-transform:uppercase; color:rgba(247,243,236,0.75); margin-bottom:10px; }
.field-hint { font-family:var(--sans); font-size:11px; color:var(--muted); margin-top:6px; line-height:1.6; }
.input, select.input, textarea.input { width:100%; background:var(--ink); border:0.5px solid var(--border); padding:12px 16px; font-family:var(--sans); font-size:14px; color:var(--warm-white); transition:border-color 0.2s; }
.input:focus { outline:none; border-color:var(--gold); }
.radio-group { display:flex; flex-direction:column; gap:10px; }
.radio-label { display:flex; align-items:flex-start; gap:10px; cursor:pointer; padding:10px 12px; background:var(--ink); border:0.5px solid var(--border); transition:border-color 0.2s; }
.radio-label:hover { border-color:var(--gold-dark); }
.radio-label input { margin-top:3px; accent-color:var(--gold); }
.radio-label .rl-title { font-family:var(--sans); font-size:13px; color:var(--warm-white); }
.radio-label .rl-sub { font-family:var(--sans); font-size:11px; color:var(--muted); margin-top:2px; line-height:1.5; }
.checkbox-row { display:flex; align-items:flex-start; gap:10px; padding:10px 12px; background:var(--ink); border:0.5px solid var(--border); margin-bottom:8px; cursor:pointer; transition:border-color 0.2s; }
.checkbox-row:hover { border-color:var(--gold-dark); }
.checkbox-row input { margin-top:3px; accent-color:var(--gold); }
.checkbox-row .cb-text { font-family:var(--sans); font-size:13px; color:var(--warm-white); line-height:1.5; }

.result-card { background:linear-gradient(135deg, rgba(201,169,110,0.08), rgba(201,169,110,0.02)); border:0.5px solid var(--gold-dark); padding:40px 32px; position:sticky; top:96px; }
.result-h { font-family:var(--sans); font-size:10px; letter-spacing:0.25em; text-transform:uppercase; color:var(--gold); margin-bottom:24px; }
.result-amount { font-family:var(--serif); font-size:clamp(36px,5vw,56px); font-weight:300; color:var(--warm-white); line-height:1.1; margin-bottom:8px; }
.result-amount em { font-style:italic; color:var(--gold); }
.result-currency { font-family:var(--sans); font-size:11px; letter-spacing:0.2em; color:var(--muted); margin-bottom:24px; }
.result-breakdown { border-top:0.5px solid var(--border); padding-top:20px; }
.breakdown-row { display:flex; justify-content:space-between; padding:10px 0; border-bottom:0.5px solid var(--border); gap:16px; }
.breakdown-row:last-of-type { border-bottom:none; }
.breakdown-label { font-family:var(--sans); font-size:12px; color:rgba(247,243,236,0.78); line-height:1.5; }
.breakdown-value { font-family:var(--sans); font-size:13px; color:var(--warm-white); white-space:nowrap; }
.breakdown-value.muted { color:var(--muted); }
.breakdown-value.bad { color:var(--bad); }
.breakdown-value.good { color:var(--good); }
.alert-line { font-family:var(--sans); font-size:11px; color:var(--gold-light); margin-top:16px; padding:12px 14px; background:rgba(201,169,110,0.08); border-left:2px solid var(--gold); line-height:1.6; }
.alert-line.warn { color:var(--bad); background:rgba(232,154,138,0.08); border-left-color:var(--bad); }
.alert-line.good { color:var(--good); background:rgba(168,216,160,0.06); border-left-color:var(--good); }

/* Wizard */
.progress { display:flex; gap:6px; margin-bottom:48px; }
.progress-step { flex:1; height:3px; background:var(--surface); transition:background 0.3s; }
.progress-step.active { background:var(--gold); }
.progress-step.complete { background:var(--gold-dark); }
.step { display:none; animation:fade 0.3s ease-out; }
.step.active { display:block; }
@keyframes fade { from { opacity:0; transform:translateY(8px); } to { opacity:1; transform:translateY(0); } }
.step-label { font-family:var(--sans); font-size:10px; letter-spacing:0.25em; text-transform:uppercase; color:var(--gold); margin-bottom:14px; }
.step h2 { font-family:var(--serif); font-size:32px; font-weight:400; line-height:1.2; margin-bottom:14px; color:var(--warm-white); }
.step h2 em { font-style:italic; color:var(--gold); }
.step p.sub { font-family:var(--serif); font-size:18px; font-weight:300; color:rgba(247,243,236,0.78); margin-bottom:32px; line-height:1.7; }
.options { display:grid; gap:14px; }
.option { display:flex; align-items:flex-start; gap:14px; padding:22px 28px; background:var(--surface); border:0.5px solid var(--border); cursor:pointer; transition:all 0.2s; font-family:var(--serif); }
.option:hover { border-color:var(--gold-dark); transform:translateX(2px); }
.option.selected { border-color:var(--gold); background:rgba(201,169,110,0.06); }
.option-marker { font-family:var(--sans); font-size:11px; font-weight:500; letter-spacing:0.15em; color:var(--gold); width:24px; flex-shrink:0; padding-top:2px; }
.option-body { flex:1; }
.option-title { font-family:var(--serif); font-size:19px; font-weight:400; color:var(--warm-white); margin-bottom:4px; }
.option-sub { font-family:var(--sans); font-size:12px; color:var(--muted); line-height:1.6; }
.nav-buttons { display:flex; justify-content:space-between; align-items:center; margin-top:48px; padding-top:32px; border-top:0.5px solid var(--border); }
.btn { font-family:var(--sans); font-size:10px; letter-spacing:0.22em; text-transform:uppercase; padding:14px 32px; border:none; cursor:pointer; background:none; transition:all 0.2s; }
.btn-prev { color:var(--muted); }
.btn-prev:hover { color:var(--warm-white); }
.btn-prev:disabled { opacity:0.3; cursor:not-allowed; }
.btn-next { background:var(--gold); color:var(--ink); }
.btn-next:hover { background:var(--gold-light); transform:translateY(-2px); }
.btn-next:disabled { background:var(--subtle); color:var(--muted); cursor:not-allowed; transform:none; }

/* Result wizard view */
.result-final { display:none; }
.result-final.active { display:block; animation:fade 0.4s ease-out; }
.result-final-card { background:linear-gradient(135deg, rgba(201,169,110,0.10), rgba(201,169,110,0.02)); border:0.5px solid var(--gold-dark); padding:48px 40px; margin-bottom:32px; }
.result-eyebrow { font-family:var(--sans); font-size:10px; letter-spacing:0.3em; text-transform:uppercase; color:var(--gold); margin-bottom:16px; }
.result-h-big { font-family:var(--serif); font-size:clamp(28px,4vw,42px); font-weight:300; line-height:1.2; margin-bottom:20px; color:var(--warm-white); }
.result-h-big em { font-style:italic; color:var(--gold); }
.result-body { font-family:var(--serif); font-size:18px; font-weight:300; line-height:1.8; color:rgba(247,243,236,0.85); margin-bottom:24px; }
.result-considerations { font-family:var(--sans); font-size:10px; letter-spacing:0.2em; text-transform:uppercase; color:var(--gold); margin:32px 0 14px; }
.result-final ul { padding-left:20px; }
.result-final li { font-family:var(--serif); font-size:17px; font-weight:300; line-height:1.75; color:rgba(247,243,236,0.82); margin-bottom:10px; }
.result-links { display:flex; gap:14px; flex-wrap:wrap; margin-top:24px; }
.result-link { font-family:var(--sans); font-size:10px; letter-spacing:0.2em; text-transform:uppercase; color:var(--gold); padding:10px 18px; border:0.5px solid var(--gold-dark); transition:all 0.2s; }
.result-link:hover { background:var(--gold); color:var(--ink); text-decoration:none; }
.restart-btn { font-family:var(--sans); font-size:11px; letter-spacing:0.2em; text-transform:uppercase; color:var(--muted); background:none; border:none; cursor:pointer; padding:12px 24px; margin:0 auto; display:block; }
.restart-btn:hover { color:var(--gold-light); }

/* Score / gauge */
.score-display { text-align:center; padding:24px 0; }
.score-num { font-family:var(--serif); font-size:84px; font-weight:300; color:var(--gold); line-height:1; }
.score-num em { font-style:italic; }
.score-bar-wrap { background:var(--ink); height:8px; border-radius:0; margin:18px 0; overflow:hidden; }
.score-bar { height:100%; background:linear-gradient(90deg, var(--bad), var(--gold-light), var(--good)); transition:width 0.5s; }
.score-lbl { font-family:var(--sans); font-size:11px; letter-spacing:0.2em; text-transform:uppercase; color:var(--muted); }

/* Footer / CTA */
.notes { padding:64px 40px; background:var(--deep); border-top:0.5px solid var(--border); }
.notes-inner { max-width:880px; margin:0 auto; }
.notes h2 { font-family:var(--serif); font-size:28px; font-weight:400; margin-bottom:20px; color:var(--warm-white); }
.notes h2 em { font-style:italic; color:var(--gold); }
.notes p, .notes li { font-family:var(--serif); font-size:17px; font-weight:300; line-height:1.85; color:rgba(247,243,236,0.82); margin-bottom:16px; }
.notes ul { padding-left:24px; }
.notes strong { color:var(--warm-white); font-weight:500; }
.cta-section { background:var(--ink); padding:80px 40px; text-align:center; border-top:0.5px solid var(--border); }
.cta-section h2 { font-family:var(--serif); font-size:clamp(28px,3vw,40px); font-weight:300; margin-bottom:20px; }
.cta-section h2 em { font-style:italic; color:var(--gold); }
.cta-section p { font-family:var(--sans); font-size:13px; color:var(--muted); max-width:500px; margin:0 auto 32px; line-height:1.85; }
.btn-primary { font-family:var(--sans); font-size:10px; letter-spacing:0.22em; text-transform:uppercase; color:var(--ink); background:var(--gold); padding:14px 32px; display:inline-block; transition:background 0.25s,transform 0.2s; }
.btn-primary:hover { background:var(--gold-light); transform:translateY(-2px); }
.btn-secondary { font-family:var(--sans); font-size:10px; letter-spacing:0.22em; text-transform:uppercase; color:var(--gold); background:transparent; border:0.5px solid var(--gold-dark); padding:13px 30px; display:inline-block; margin-left:14px; transition:all 0.25s; }
.btn-secondary:hover { background:var(--gold); color:var(--ink); }
footer { background:var(--deep); padding:48px 40px; text-align:center; border-top:0.5px solid var(--border); }
footer span { font-family:var(--sans); font-size:11px; letter-spacing:0.1em; color:var(--subtle); display:block; margin-bottom:4px; }
footer a { color:var(--gold-dark); }
@media (max-width: 1080px) { nav#main-nav .nav-center { display: none !important; } }
@media (max-width:880px){ .tool-grid { grid-template-columns:1fr; gap:32px; } .tool-section { padding:48px 24px; } .hero { padding:120px 24px 48px; } nav#main-nav { padding:0 20px; } .notes, .cta-section { padding:48px 24px; } }