:root {
    color-scheme: light;
    --bg: #ffffff;
    --surface: #ffffff;
    --surface-soft: #f6faf7;
    --surface-warm: #fbfaf6;
    --text: #13201b;
    --muted: #66746f;
    --line: #dfe9e4;
    --line-strong: #c8d8d0;
    --green: #168a4a;
    --green-dark: #0e6b39;
    --green-soft: #e8f6ee;
    --navy: #172335;
    --charcoal: #26302d;
    --gold: #b68a2f;
    --shadow: 0 18px 50px rgba(19, 32, 27, 0.08);
    --radius: 8px;
    --radius-sm: 6px;
    --max: 1200px;
}

* {
    box-sizing: border-box;
}

html {
    min-height: 100%;
    scroll-behavior: smooth;
    scroll-padding-top: 86px;
}

body {
    min-height: 100%;
    margin: 0;
    background: var(--bg);
    color: var(--text);
    font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Arial, sans-serif;
    line-height: 1.6;
    text-rendering: optimizeLegibility;
}

a {
    color: inherit;
}

img,
svg {
    display: block;
    max-width: 100%;
}

button,
input,
select,
textarea {
    font: inherit;
}

h1:focus {
    outline: none;
}

h1,
h2,
h3,
p {
    margin-top: 0;
}

h1,
h2,
h3 {
    color: var(--navy);
    line-height: 1.12;
}

.container {
    width: min(90%, var(--max));
    margin-inline: auto;
}

.site-header {
    position: sticky;
    top: 0;
    z-index: 50;
    background: rgba(255, 255, 255, 0.92);
    border-bottom: 1px solid rgba(223, 233, 228, 0.9);
    backdrop-filter: blur(16px);
}

.nav-shell {
    min-height: 64px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 24px;
}

.brand {
    display: inline-flex;
    align-items: center;
    gap: 12px;
    min-width: 0;
    text-decoration: none;
}

.header-brand {
    flex-direction: column;
    align-items: flex-start;
    gap: 1px;
    line-height: 1.1;
}

.brand-logo {
    width: auto;
    max-width: 150px;
    max-height: 34px;
    object-fit: contain;
}

.brand-caption {
    color: var(--muted);
    font-size: 0.68rem;
    font-weight: 750;
    white-space: nowrap;
}

.brand-mark {
    width: 42px;
    height: 42px;
    display: inline-grid;
    flex: 0 0 42px;
    place-items: center;
    border-radius: var(--radius);
    color: #ffffff;
    background: linear-gradient(135deg, var(--green), #22a766);
    box-shadow: 0 10px 24px rgba(22, 138, 74, 0.22);
}

.brand-mark svg {
    width: 26px;
    height: 26px;
    fill: currentColor;
}

.brand-name {
    display: block;
    color: var(--navy);
    font-size: 1.15rem;
    font-weight: 800;
    letter-spacing: 0;
}

.brand-tagline {
    display: block;
    color: var(--muted);
    font-size: 0.78rem;
    font-weight: 650;
}

.desktop-nav {
    display: flex;
    align-items: center;
    gap: 6px;
}

.desktop-nav a,
.mobile-nav a {
    color: var(--charcoal);
    border-radius: var(--radius-sm);
    padding: 8px 10px;
    text-decoration: none;
    font-size: 0.9rem;
    font-weight: 700;
}

.desktop-nav a:hover,
.mobile-nav a:hover {
    color: var(--green-dark);
    background: var(--green-soft);
}

.mobile-nav {
    display: none;
    position: relative;
}

.mobile-nav summary {
    width: 42px;
    height: 42px;
    display: grid;
    place-content: center;
    gap: 5px;
    border: 1px solid var(--line);
    border-radius: var(--radius);
    background: var(--surface);
    cursor: pointer;
    list-style: none;
}

.mobile-nav summary::-webkit-details-marker {
    display: none;
}

.mobile-nav summary span {
    width: 18px;
    height: 2px;
    background: var(--navy);
    border-radius: 999px;
}

.mobile-nav nav {
    position: absolute;
    top: calc(100% + 12px);
    right: 0;
    width: min(280px, calc(100vw - 32px));
    display: grid;
    gap: 4px;
    padding: 10px;
    border: 1px solid var(--line);
    border-radius: var(--radius);
    background: var(--surface);
    box-shadow: var(--shadow);
}

.home-hero,
.page-hero {
    overflow: hidden;
    background:
        linear-gradient(135deg, rgba(232, 246, 238, 0.9), rgba(251, 250, 246, 0.92)),
        radial-gradient(circle at 88% 20%, rgba(182, 138, 47, 0.16), transparent 32%);
}

.home-hero {
    padding: 46px 0 30px;
}

.hero-grid {
    display: grid;
    grid-template-columns: minmax(0, 1.04fr) minmax(320px, 0.62fr);
    gap: 32px;
    align-items: center;
}

.hero-copy h1,
.page-hero h1 {
    margin-bottom: 3px;
    font-size: clamp(1rem, 2vw, 2.3rem);
    letter-spacing: 0;
}

.hero-subtitle {
    margin-bottom: 14px;
    color: var(--green-dark);
    font-size: clamp(1.35rem, 4vw, 2.15rem);
    font-weight: 800;
}

.hero-description,
.page-hero-copy,
.section-heading p,
.lead {
    color: var(--muted);
    font-size: 1.08rem;
}

.hero-description {
    max-width: 820px;
    margin-bottom: 18px;
}

.eyebrow {
    margin-bottom: 10px;
    color: var(--green-dark);
    font-size: 0.78rem;
    font-weight: 850;
    letter-spacing: 0;
    text-transform: uppercase;
}

.hero-actions,
.page-hero-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
}

.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-height: 44px;
    padding: 11px 18px;
    border: 1px solid transparent;
    border-radius: var(--radius-sm);
    text-decoration: none;
    font-weight: 800;
    line-height: 1.2;
}

.btn-primary {
    color: #ffffff;
    background: var(--green);
    box-shadow: 0 12px 28px rgba(22, 138, 74, 0.2);
}

.btn-primary:hover {
    background: var(--green-dark);
}

.btn-secondary {
    color: var(--navy);
    background: #ffffff;
    border-color: var(--line-strong);
}

.btn-secondary:hover {
    border-color: var(--green);
    color: var(--green-dark);
}

.hero-insight-card,
.result-panel,
.tool-panel,
.content-panel,
.toc-panel,
.calculator-card,
.guide-card,
.feature-card,
.disclaimer-block {
    border: 1px solid var(--line);
    border-radius: var(--radius);
    background: var(--surface);
    box-shadow: var(--shadow);
}

.hero-insight-card {
    padding: 24px;
}

.hero-insight-card h2 {
    margin-bottom: 14px;
    font-size: 1.45rem;
}

.insight-number,
.result-number {
    color: var(--navy);
    font-size: clamp(2.1rem, 7vw, 3.6rem);
    font-weight: 850;
    line-height: 1;
}

.insight-bars {
    display: grid;
    gap: 10px;
    margin: 24px 0;
}

.insight-bars span {
    width: var(--bar);
    height: 10px;
    border-radius: 999px;
    background: linear-gradient(90deg, var(--green), var(--gold));
}

.hero-insight-card small,
.fine-print {
    color: var(--muted);
    font-size: 0.85rem;
}

.section {
    padding: 56px 0;
}

.section-tight {
    padding: 28px 0;
}

.section-muted {
    background: var(--surface-soft);
}

.section-heading {
    max-width: 720px;
    margin-bottom: 22px;
}

.section-heading h2,
.split-band h2 {
    margin-bottom: 10px;
    font-size: clamp(2rem, 5vw, 3rem);
}

.section-heading.compact {
    margin-bottom: 18px;
}

.section-heading.compact h2 {
    font-size: 1.55rem;
}

.card-grid,
.trust-grid,
.content-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(245px, 1fr));
    gap: 14px;
}

.card-grid.four,
.trust-grid {
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
}

.calculator-card,
.guide-card,
.feature-card,
.content-panel,
.disclaimer-block {
    padding: 18px;
}

.calculator-card,
.guide-card,
.feature-card {
    display: flex;
    min-height: 178px;
    flex-direction: column;
    align-items: flex-start;
}

.feature-card {
    min-height: 168px;
}

.card-icon {
    width: 36px;
    height: 36px;
    display: grid;
    place-items: center;
    margin-bottom: 12px;
    border-radius: var(--radius-sm);
    color: var(--green-dark);
    background: var(--green-soft);
    font-weight: 900;
}

.calculator-card h2,
.guide-card h2,
.feature-card h2,
.content-panel h2,
.disclaimer-block h2 {
    margin-bottom: 10px;
    font-size: 1.2rem;
}

.calculator-card p,
.guide-card p,
.feature-card p,
.content-panel p,
.disclaimer-block p,
.result-panel p,
.tool-panel p {
    color: var(--muted);
}

.card-link {
    display: inline-flex;
    margin-top: auto;
    color: var(--green-dark);
    text-decoration: none;
    font-weight: 850;
}

.card-link:hover {
    text-decoration: underline;
}

.quick-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 10px;
}

.quick-grid a {
    min-height: 46px;
    display: flex;
    align-items: center;
    padding: 10px 12px;
    border: 1px solid var(--line);
    border-radius: var(--radius-sm);
    background: var(--surface);
    color: var(--navy);
    text-decoration: none;
    font-weight: 800;
}

.compact-links {
    grid-template-columns: repeat(auto-fit, minmax(210px, 1fr));
}

.quick-grid a:hover {
    border-color: var(--green);
    color: var(--green-dark);
    box-shadow: 0 10px 24px rgba(22, 138, 74, 0.1);
}

.quick-strip {
    margin-top: -12px;
}

.split-band {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 24px;
}

.page-hero {
    padding: 48px 0;
}

.page-hero-inner {
    max-width: 860px;
}

.page-hero h1 {
    font-size: clamp(2.4rem, 8vw, 5rem);
}

.two-column,
.article-grid {
    display: grid;
    grid-template-columns: minmax(0, 0.95fr) minmax(320px, 0.7fr);
    gap: 24px;
    align-items: start;
}

.calculator-workspace {
    align-items: stretch;
}

.tool-panel,
.result-panel {
    padding: 22px;
}

.tool-panel {
    display: grid;
    gap: 16px;
}

.tool-panel label {
    display: grid;
    gap: 7px;
    color: var(--charcoal);
    font-weight: 800;
}

.tool-panel input,
.tool-panel select,
.tool-panel textarea {
    width: 100%;
    min-height: 48px;
    padding: 10px 12px;
    border: 1px solid var(--line-strong);
    border-radius: var(--radius-sm);
    color: var(--text);
    background: #ffffff;
}

.tool-panel input:focus,
.tool-panel select:focus,
.tool-panel textarea:focus {
    outline: 3px solid rgba(22, 138, 74, 0.14);
    border-color: var(--green);
}

.tool-panel textarea {
    min-height: 160px;
    resize: vertical;
}

.contact-shell {
    max-width: 760px;
}

.contact-form {
    box-shadow: var(--shadow);
}

.validation-note {
    margin: 0;
    color: #9a3412;
    font-weight: 750;
}

.validation-summary {
    display: grid;
    gap: 4px;
    padding: 12px;
    border: 1px solid #fecaca;
    border-radius: var(--radius-sm);
    color: #991b1b;
    background: #fef2f2;
    font-weight: 750;
}

.validation-summary p,
.form-status {
    margin: 0;
}

.form-status {
    padding: 12px;
    border: 1px solid #bbf7d0;
    border-radius: var(--radius-sm);
    color: #0e6b39;
    background: #f0fdf4;
    font-weight: 800;
}

.result-panel {
    background: linear-gradient(180deg, #ffffff, #f8fbf9);
}

.result-grid {
    display: grid;
    gap: 10px;
    margin-top: 24px;
}

.result-grid span {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    padding: 12px;
    border: 1px solid var(--line);
    border-radius: var(--radius-sm);
    color: var(--muted);
    background: #ffffff;
}

.result-grid strong {
    color: var(--navy);
}

.content-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
}

details {
    border-top: 1px solid var(--line);
    padding: 14px 0;
}

details:first-of-type {
    border-top: 0;
}

summary {
    color: var(--navy);
    cursor: pointer;
    font-weight: 850;
}

.disclaimer-block {
    background: var(--surface-warm);
    box-shadow: none;
}

.article-layout {
    padding-top: 48px;
}

.article-grid {
    grid-template-columns: 250px minmax(0, 820px);
    justify-content: center;
}

.toc-panel {
    position: sticky;
    top: 96px;
    display: grid;
    gap: 8px;
    padding: 18px;
    box-shadow: none;
}

.toc-panel a {
    color: var(--charcoal);
    text-decoration: none;
    font-weight: 750;
}

.toc-panel a:hover {
    color: var(--green-dark);
}

.article-body {
    max-width: 820px;
}

.article-body h2 {
    margin: 38px 0 12px;
    font-size: 1.75rem;
}

.article-body p,
.article-body li {
    color: var(--muted);
    font-size: 1.03rem;
}

.article-body .lead {
    color: var(--charcoal);
    font-size: 1.22rem;
    font-weight: 650;
}

.check-list {
    display: grid;
    gap: 10px;
    padding-left: 20px;
}

.guide-page .article-body section {
    scroll-margin-top: 92px;
    margin-bottom: 34px;
}

.guide-callout {
    margin: 22px 0;
    padding: 20px;
    border: 1px solid var(--line);
    border-left: 4px solid var(--green);
    border-radius: var(--radius);
    background: #fbfdfc;
    box-shadow: 0 12px 30px rgba(19, 32, 27, 0.05);
}

.guide-callout h2 {
    margin-bottom: 12px;
    font-size: 1.25rem;
}

.guide-steps {
    display: grid;
    gap: 16px;
    padding-left: 22px;
}

.guide-steps li {
    padding-left: 4px;
}

.guide-page .disclaimer-block {
    margin-top: 28px;
}

.checkpoint-layout {
    display: grid;
    grid-template-columns: minmax(0, 1fr) minmax(340px, 0.72fr);
    gap: 20px;
    align-items: start;
}

.checkpoint-copy {
    display: grid;
    gap: 18px;
}

.question-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 12px;
}

.question-card,
.result-summary-card,
.pie-chart-card,
.checkpoint-result-shell,
.result-explanation {
    border: 1px solid var(--line);
    border-radius: var(--radius);
    background: var(--surface);
    box-shadow: var(--shadow);
}

.question-card {
    display: grid;
    gap: 12px;
    min-height: 154px;
    padding: 16px;
}

.question-card h2,
.result-summary-card h2,
.pie-chart-card h2,
.result-explanation h2 {
    margin-bottom: 8px;
    font-size: 1.08rem;
}

.question-card p,
.result-summary-card p,
.result-explanation p {
    margin-bottom: 0;
    color: var(--muted);
}

.question-control {
    align-self: end;
}

.checkpoint-guidance {
    display: grid;
    gap: 14px;
    padding: 18px;
    border: 1px solid var(--line);
    border-radius: var(--radius);
    background: var(--surface-soft);
}

.checkpoint-guidance .section-heading {
    margin-bottom: 0;
}

.guidance-grid {
    display: grid;
    gap: 10px;
}

.guidance-card {
    padding: 14px;
    border: 1px solid var(--line);
    border-radius: var(--radius-sm);
    background: #ffffff;
}

.guidance-card h3 {
    margin-bottom: 8px;
    font-size: 1rem;
}

.guidance-card p {
    margin-bottom: 8px;
    color: var(--muted);
}

.guidance-card p:last-child {
    margin-bottom: 0;
}

.guidance-card strong {
    color: var(--charcoal);
}

.question-control input[type="number"] {
    width: 100%;
    min-height: 44px;
    padding: 9px 11px;
    border: 1px solid var(--line-strong);
    border-radius: var(--radius-sm);
    color: var(--text);
    background: #ffffff;
}

.question-control input[type="number"]:focus {
    outline: 3px solid rgba(22, 138, 74, 0.14);
    border-color: var(--green);
}

.toggle-row {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    cursor: pointer;
    font-weight: 850;
}

.toggle-row input {
    width: 18px;
    height: 18px;
    accent-color: var(--green);
}

.toggle-pill {
    min-width: 52px;
    padding: 7px 11px;
    border-radius: 999px;
    color: var(--green-dark);
    background: var(--green-soft);
    text-align: center;
    font-size: 0.86rem;
}

.checkpoint-result-shell {
    position: sticky;
    top: 88px;
    display: grid;
    gap: 14px;
    padding: 14px;
    background: linear-gradient(180deg, #ffffff, #f8fbf9);
}

.result-summary-card,
.pie-chart-card,
.result-explanation {
    padding: 18px;
    box-shadow: none;
}

.result-summary-header {
    display: flex;
    justify-content: space-between;
    gap: 14px;
    align-items: flex-start;
}

.status-badge {
    flex: 0 0 auto;
    border-radius: 999px;
    padding: 7px 10px;
    font-size: 0.78rem;
    font-weight: 850;
}

.status-green {
    color: #0e6b39;
    background: #e8f6ee;
}

.status-amber {
    color: #92400e;
    background: #fff7ed;
}

.status-red {
    color: #991b1b;
    background: #fee2e2;
}

.compact-result {
    margin: 10px 0 8px;
    font-size: clamp(1.9rem, 6vw, 2.7rem);
}

.chart-frame {
    width: 100%;
    height: 260px;
}

.chart-frame canvas {
    width: 100% !important;
    height: 100% !important;
}

.chart-legend {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(150px, 1fr));
    gap: 8px;
    margin-top: 14px;
}

.chart-legend span {
    display: flex;
    align-items: center;
    gap: 8px;
    color: var(--muted);
    font-weight: 750;
}

.chart-legend i {
    width: 12px;
    height: 12px;
    flex: 0 0 12px;
    border-radius: 50%;
}

.chart-legend strong {
    margin-left: auto;
    color: var(--navy);
}

.result-explanation .check-list {
    margin: 12px 0 0;
}

.checkpoint-actions {
    grid-column: 2;
}

.share-download-bar {
    display: flex;
    gap: 10px;
    justify-content: flex-end;
}

.smartmoney-layout {
    display: grid;
    grid-template-columns: minmax(0, 1.05fr) minmax(330px, 0.68fr);
    gap: 16px;
    align-items: start;
}

.smartmoney-hero {
    padding: 28px 0;
}

.smartmoney-hero h1 {
    margin-bottom: 8px;
    font-size: clamp(2rem, 5vw, 3.5rem);
}

.smartmoney-hero .page-hero-copy {
    font-size: 1rem;
}

.smartmoney-left-stack {
    display: grid;
    gap: 12px;
}

.smartmoney-input-panel {
    box-shadow: var(--shadow);
    gap: 12px;
    padding: 16px;
}

.smartmoney-input-panel .section-heading {
    margin-bottom: 0;
}

.smartmoney-input-panel .section-heading.compact h2,
.smartmoney-inline-insights .section-heading.compact h2 {
    font-size: 1.2rem;
}

.smartmoney-input-panel .section-heading p,
.smartmoney-inline-insights .section-heading p,
.smartmoney-input-panel label,
.smartmoney-insight-card p {
    font-size: 0.9rem;
}

.smartmoney-input-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 10px;
}

.smartmoney-input-grid .wide-field {
    grid-column: 1 / -1;
}

.smartmoney-input-grid input {
    min-height: 40px;
    padding: 8px 10px;
}

.smartmoney-result-stack {
    position: sticky;
    top: 88px;
    display: grid;
    gap: 10px;
    padding: 12px;
    border: 1px solid var(--line);
    border-radius: var(--radius);
    background: linear-gradient(180deg, #ffffff, #f8fbf9);
    box-shadow: var(--shadow);
}

.smartmoney-result-stack .result-summary-card,
.smartmoney-result-stack .pie-chart-card {
    box-shadow: none;
}

.smartmoney-result-stack .compact-result {
    font-size: clamp(1.6rem, 4vw, 2.15rem);
}

.smartmoney-result-stack .result-summary-card,
.smartmoney-result-stack .pie-chart-card {
    padding: 14px;
}

.smartmoney-result-stack .result-grid {
    margin-top: 14px;
}

.smartmoney-result-stack .chart-frame {
    height: 220px;
}

.smartmoney-insight-grid,
.smartmoney-review-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 14px;
}

.smartmoney-inline-insights {
    display: grid;
    gap: 10px;
    padding: 16px;
    border: 1px solid var(--line);
    border-radius: var(--radius);
    background: var(--surface-soft);
}

.smartmoney-inline-insights .section-heading {
    margin-bottom: 0;
}

.smartmoney-insight-grid.compact {
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 10px;
}

.smartmoney-insight-card {
    min-height: 118px;
    padding: 14px;
}

.smartmoney-insight-card h2 {
    font-size: 1rem;
}

.legal-page .article-body {
    padding: 8px 0;
}

.site-footer {
    border-top: 1px solid var(--line);
    background: var(--navy);
    color: #dce6e1;
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.5fr 0.8fr 0.9fr 1fr;
    gap: 32px;
    padding: 40px 0 26px;
}

.footer-grid h2 {
    margin-bottom: 12px;
    color: #ffffff;
    font-size: 0.98rem;
}

.footer-grid a {
    display: block;
    margin-bottom: 9px;
    color: #dce6e1;
    text-decoration: none;
}

.footer-grid a:hover {
    color: #ffffff;
}

.footer-brand .brand-name {
    color: #ffffff;
}

.footer-brand {
    align-items: flex-start;
    flex-direction: column;
    gap: 8px;
}

.footer-logo {
    width: auto;
    max-width: 168px;
    max-height: 64px;
    object-fit: contain;
}

.footer-brand .brand-tagline,
.footer-note {
    color: #b9c7c1;
}

.footer-note {
    margin: 14px 0 0;
}

.footer-bottom {
    display: flex;
    justify-content: space-between;
    gap: 16px;
    padding: 18px 0 28px;
    border-top: 1px solid rgba(255, 255, 255, 0.12);
    color: #b9c7c1;
    font-size: 0.9rem;
}

.valid.modified:not([type=checkbox]) {
    outline: 1px solid #26b050;
}

.invalid {
    outline: 1px solid #e50000;
}

.validation-message {
    color: #e50000;
}

.blazor-error-boundary {
    padding: 1rem;
    color: white;
    background: #b32121;
}

.blazor-error-boundary::after {
    content: "An error has occurred.";
}

.darker-border-checkbox.form-check-input {
    border-color: #929292;
}

.form-floating > .form-control-plaintext::placeholder,
.form-floating > .form-control::placeholder {
    color: var(--muted);
    text-align: end;
}

.form-floating > .form-control-plaintext:focus::placeholder,
.form-floating > .form-control:focus::placeholder {
    text-align: start;
}

@media (max-width: 980px) {
    .desktop-nav {
        display: none;
    }

    .mobile-nav {
        display: block;
    }

    .hero-grid,
    .two-column,
    .article-grid,
    .checkpoint-layout,
    .smartmoney-layout {
        grid-template-columns: 1fr;
    }

    .hero-insight-card {
        max-width: 560px;
    }

    .content-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .toc-panel {
        position: static;
    }

    .checkpoint-result-shell {
        position: static;
    }

    .smartmoney-result-stack {
        position: static;
    }

    .smartmoney-insight-grid.compact {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .checkpoint-actions {
        grid-column: auto;
    }

    .footer-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }
}

@media (max-width: 680px) {
    .container {
        width: min(var(--max), calc(100% - 24px));
    }

    .nav-shell {
        min-height: 62px;
    }

    .brand-mark {
        width: 38px;
        height: 38px;
        flex-basis: 38px;
    }

    .brand-logo {
        max-width: 132px;
        max-height: 32px;
    }

    .brand-caption {
        font-size: 0.68rem;
    }

    .brand-tagline {
        display: none;
    }

    .home-hero {
        padding: 52px 0 32px;
    }

    .hero-copy h1,
    .page-hero h1 {
        font-size: clamp(2.55rem, 17vw, 4.2rem);
    }

    .section,
    .page-hero {
        padding: 40px 0;
    }

    .section-tight {
        padding: 28px 0;
    }

    .hero-actions,
    .page-hero-actions,
    .split-band,
    .footer-bottom {
        align-items: stretch;
        flex-direction: column;
    }

    .btn {
        width: 100%;
    }

    .quick-grid,
    .card-grid,
    .card-grid.four,
    .trust-grid,
    .content-grid,
    .question-grid,
    .smartmoney-input-grid {
        grid-template-columns: 1fr;
    }

    .smartmoney-input-grid .wide-field {
        grid-column: auto;
    }

    .smartmoney-insight-grid.compact {
        grid-template-columns: 1fr;
    }

    .calculator-card,
    .guide-card,
    .feature-card {
        min-height: auto;
    }

    .hero-insight-card,
    .tool-panel,
    .result-panel,
    .content-panel,
    .calculator-card,
    .guide-card,
    .feature-card,
    .disclaimer-block,
    .question-card,
    .result-summary-card,
    .pie-chart-card,
    .result-explanation {
        padding: 18px;
    }

    .question-card {
        min-height: auto;
    }

    .chart-frame {
        height: 230px;
    }

    .share-download-bar {
        flex-direction: column;
    }

    .footer-grid {
        grid-template-columns: 1fr;
        padding-top: 36px;
    }
}