:root {
  --bg: #f7fafc;
  --surface: #ffffff;
  --text: #102a43;
  --muted: #486581;
  --primary: #0f7b6c;
  --primary-dark: #0a5f53;
  --accent: #f0b429;
  --border: #d9e2ec;
  --shadow: 0 10px 30px rgba(16, 42, 67, 0.08);
  --max-width: 1080px;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: Arial, Helvetica, sans-serif;
  line-height: 1.6;
  color: var(--text);
  background: var(--bg);
}

a {
  color: var(--primary);
  text-decoration: none;
}

a:hover {
  text-decoration: underline;
}

.container {
  width: min(var(--max-width), 92%);
  margin: 0 auto;
}

.site-header {
  background: var(--surface);
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 10;
}

.nav-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 0.9rem 0;
}

.logo {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--text);
}

.nav-links {
  display: flex;
  flex-wrap: wrap;
  gap: 0.8rem;
}

.nav-links a {
  display: inline-flex;
  align-items: center;
  gap: 0.38rem;
  font-weight: 600;
  color: var(--muted);
}

.nav-links a::before {
  content: "";
  width: 0.95rem;
  height: 0.95rem;
  display: inline-block;
  background-repeat: no-repeat;
  background-size: contain;
}

.nav-links a[href="income.html"]::before {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20' fill='%230f7b6c'%3E%3Cpath d='M3 14h3V7H3v7zm5 0h3V3H8v11zm5 0h3V9h-3v5z'/%3E%3C/svg%3E");
}

.nav-links a[href="debt.html"]::before {
  background-image: url('data:image/svg+xml,%3Csvg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 20 20" fill="%23c05621"%3E%3Cpath d="M10 2a8 8 0 100 16 8 8 0 000-16zm1 4v5H7v-2h2V6h2zm-4 7h6v2H7v-2z"/%3E%3C/svg%3E');
}

.nav-links a[href="living.html"]::before {
  background-image: url('data:image/svg+xml,%3Csvg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 20 20" fill="%232d6a9f"%3E%3Cpath d="M10 3l7 6v8h-5v-5H8v5H3V9l7-6z"/%3E%3C/svg%3E');
}

.nav-links a[href="freelance.html"]::before {
  background-image: url('data:image/svg+xml,%3Csvg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 20 20" fill="%236b46c1"%3E%3Cpath d="M4 4h12v2H4V4zm0 5h8v2H4V9zm0 5h12v2H4v-2zm10-5l2 2-2 2v-4z"/%3E%3C/svg%3E');
}

.hero {
  padding: 4rem 0 2.5rem;
  background: linear-gradient(135deg, #d9f6ef 0%, #f7fafc 70%);
}

h1,
h2,
h3 {
  line-height: 1.2;
  margin: 0 0 0.8rem;
}

h1 {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: clamp(1.9rem, 4vw, 2.9rem);
}

h2 {
  display: flex;
  align-items: center;
  gap: 0.45rem;
  font-size: clamp(1.45rem, 2.8vw, 2rem);
}

h1::before,
h2::before {
  content: "";
  width: 1rem;
  height: 1rem;
  flex: 0 0 1rem;
  background-repeat: no-repeat;
  background-size: contain;
}

.income-page h1::before,
.income-page h2::before {
  content: none;
}

h1::before {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20' fill='%230f7b6c'%3E%3Cpath d='M10 2l2.2 5.1L18 8l-4 3.5L15 17l-5-3-5 3 1-5.5L2 8l5.8-.9L10 2z'/%3E%3C/svg%3E");
}

h2::before {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20' fill='%230a5f53'%3E%3Cpath d='M10 2l6 3.5v9L10 18l-6-3.5v-9L10 2zm0 2.2L6 6.3v6.4l4 2.3 4-2.3V6.3L10 4.2z'/%3E%3C/svg%3E");
}

h3 {
  font-size: clamp(1.1rem, 2.2vw, 1.35rem);
}

.lead {
  max-width: 760px;
  font-size: 1.06rem;
  color: var(--muted);
}

.cta-row {
  display: flex;
  flex-wrap: wrap;
  gap: 0.8rem;
  margin-top: 1.3rem;
}

.btn {
  display: inline-block;
  background: var(--primary);
  color: #fff;
  border: 1px solid var(--primary);
  border-radius: 8px;
  padding: 0.65rem 1rem;
  font-weight: 700;
}

.btn:hover {
  background: var(--primary-dark);
  text-decoration: none;
}

.btn.secondary {
  background: #fff;
  color: var(--primary);
}

section {
  padding: 2.6rem 0;
}

.income-page .intro-section {
  padding-bottom: 0.8rem;
}

.income-page .intro-section + section {
  padding-top: 0.8rem;
}

/* Home page (index): SEO/UX, no default h1/h2 icons */
.home-page h1::before,
.home-page h2::before {
  content: none;
  display: none;
}

.home-page h1,
.home-page h2 {
  display: block;
}

.home-section-heading {
  text-align: center;
  max-width: 44rem;
  margin-left: auto;
  margin-right: auto;
}

.home-hero-lead strong {
  color: #1f3c58;
}

.home-page .hero .container {
  text-align: center;
}

.home-page .hero .lead {
  margin-left: auto;
  margin-right: auto;
}

.home-page .cta-row {
  justify-content: center;
}

.home-intro {
  padding: 2rem 0 2.25rem;
  border-bottom: 1px solid var(--border);
}

.home-intro-text {
  max-width: 46rem;
  margin: 0 auto;
  font-size: 1.02rem;
  color: #334e68;
  line-height: 1.65;
}

.home-intro-text a {
  font-weight: 700;
}

.home-tools-lead,
.home-explore-lead {
  text-align: center;
  max-width: 36rem;
  margin: 0 auto 1.15rem;
  color: #627d98;
  font-size: 0.98rem;
}

.home-tool-grid {
  margin-top: 0.25rem;
}

.home-tool-card {
  display: flex;
  flex-direction: column;
  gap: 0.35rem;
  min-height: 100%;
  padding: 1.05rem 1.1rem;
  border-top: 4px solid #0f7b6c;
}

.home-tool-card:nth-child(2) {
  border-top-color: #c05621;
}

.home-tool-card:nth-child(3) {
  border-top-color: #2d6a9f;
}

.home-tool-card:nth-child(4) {
  border-top-color: #6b46c1;
}

.home-tool-badge {
  font-size: 0.68rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: #0a5f53;
}

.home-tool-badge-debt {
  color: #9c4221;
}

.home-tool-badge-living {
  color: #1f4f7a;
}

.home-tool-badge-freelance {
  color: #553c9a;
}

.home-tool-card h3 {
  margin: 0;
  font-size: 1.08rem;
}

.home-tool-card h3 a {
  color: #102a43;
}

.home-tool-card h3 a:hover {
  color: var(--primary);
}

.home-tool-link {
  margin-top: auto;
  padding-top: 0.35rem;
  font-weight: 700;
  font-size: 0.92rem;
}

.home-diff-list li {
  margin-bottom: 0.45rem;
}

.home-diff-list li:last-child {
  margin-bottom: 0;
}

.home-explore-grid {
  margin-top: 0.25rem;
}

.home-explore-card h3 {
  font-size: 1.05rem;
}

.home-faq-section {
  background: linear-gradient(180deg, #f8fafc 0%, #fff 100%);
  border-top: 1px solid var(--border);
}

.home-faq-list {
  max-width: 44rem;
  margin: 0 auto;
  display: grid;
  gap: 1rem;
}

.home-faq-item {
  background: var(--surface);
  border: 1px solid #e2e8f0;
  border-radius: 12px;
  padding: 1rem 1.1rem;
}

.home-faq-item h3 {
  margin: 0 0 0.45rem;
  font-size: 1rem;
  color: #0a5f53;
}

.home-faq-item p {
  margin: 0;
  font-size: 0.94rem;
  color: #334e68;
  line-height: 1.55;
}

@media (max-width: 640px) {
  .home-intro-text {
    font-size: 0.98rem;
  }
}

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

.card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 1rem;
  box-shadow: var(--shadow);
}

.card p {
  margin: 0.35rem 0 0;
  color: var(--muted);
}

.label {
  display: inline-block;
  margin-bottom: 0.4rem;
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--primary-dark);
  text-transform: uppercase;
  letter-spacing: 0.03em;
}

.trust-strip {
  background: linear-gradient(180deg, #f2f9ff 0%, #e8f4ff 100%);
  border-block: 1px solid #c7ddf7;
}

.trust-items {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 1.25rem;
  margin-top: 1.1rem;
}

.trust-intro {
  max-width: 760px;
  margin: 0;
  color: #334e68;
  font-size: 1.02rem;
}

.trust-item {
  position: relative;
  background: transparent;
  border: 0;
  border-left: 4px solid #6aa4d9;
  padding: 0.15rem 0 0.15rem 0.95rem;
}

.trust-item h3 {
  margin: 0 0 0.25rem;
  font-size: 1.06rem;
  color: #1f3c58;
}

.trust-item p {
  margin: 0;
  color: #486581;
}

.diff-list,
.faq-list {
  padding-left: 1.1rem;
}

.ad-slot,
.affiliate-slot,
.comparison-slot {
  border: 2px dashed #9fb3c8;
  border-radius: 10px;
  background: #fff;
  padding: 0.9rem;
  color: #334e68;
  margin-top: 0.9rem;
}

.seo-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 1rem;
}

.inline-form {
  display: grid;
  gap: 0.7rem;
  margin-top: 1rem;
}

.inline-form input,
.inline-form select,
.inline-form button {
  width: 100%;
  padding: 0.7rem;
  border-radius: 8px;
  border: 1px solid var(--border);
  font: inherit;
}

.inline-form button {
  background: var(--primary);
  color: #fff;
  border-color: var(--primary);
  font-weight: 700;
  cursor: pointer;
}

.form-field {
  display: grid;
  gap: 0.3rem;
}

.form-field span {
  font-size: 0.83rem;
  color: #334e68;
  font-weight: 700;
}

.note {
  font-size: 0.92rem;
  color: var(--muted);
}

.result-panel {
  margin-top: 0.9rem;
  padding: 0.9rem;
  border: 1px solid #bfd5ea;
  border-radius: 10px;
  background: #f8fbff;
}

.result-panel:empty {
  display: none;
}

.result-panel h3 {
  margin: 0 0 0.45rem;
  font-size: 1.02rem;
}

.result-panel p {
  margin: 0.25rem 0;
  color: #334e68;
}

.income-kpi-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 0.7rem;
}

.kpi-card {
  background: #fff;
  border: 1px solid #d3e3f2;
  border-radius: 10px;
  padding: 0.7rem;
}

.kpi-card strong {
  display: block;
  font-size: 1.15rem;
  color: #0f7b6c;
}

.kpi-label {
  display: block;
  font-size: 0.84rem;
  color: #627d98;
  margin-bottom: 0.15rem;
}

.tax-breakdown {
  margin-top: 0.9rem;
  padding-top: 0.75rem;
  border-top: 1px solid #d6e6f5;
}

.tax-breakdown h3 {
  margin-bottom: 0.35rem;
}

/* Income page: affordability (after KPIs) */
.affordability-section {
  margin: 1.15rem 0 1.35rem;
  padding: 1.15rem 0 1.2rem;
  border-top: 1px solid #d6e6f5;
  border-bottom: 1px solid #d6e6f5;
}

.affordability-h2 {
  display: block;
  margin: 0 0 0.45rem;
  font-size: clamp(1.15rem, 2.8vw, 1.45rem);
  color: #102a43;
  text-align: center;
  text-wrap: balance;
  line-height: 1.25;
}

.affordability-lead {
  margin: 0 auto 1rem;
  max-width: 34rem;
  font-size: 0.9rem;
  color: #627d98;
  text-align: center;
  line-height: 1.45;
}

.affordability-pillars {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 0.85rem;
  align-items: stretch;
}

.affordability-pillar {
  background: linear-gradient(180deg, #ffffff 0%, #f8fbff 100%);
  border: 1px solid #cfe0f1;
  border-radius: 12px;
  padding: 0.85rem 0.95rem;
  box-shadow: 0 6px 18px rgba(16, 42, 67, 0.06);
}

.affordability-pillar-title {
  margin: 0 0 0.45rem;
  font-size: 0.72rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: #627d98;
}

.affordability-pillar-value {
  margin: 0 0 0.5rem;
  font-size: 1.12rem;
  font-weight: 800;
  color: #0f7b6c;
  font-variant-numeric: tabular-nums;
  line-height: 1.25;
}

.affordability-unit {
  font-weight: 700;
  font-size: 0.92rem;
  color: #0a5f53;
}

.affordability-pillar-lifestyle {
  margin: 0 0 0.45rem;
  font-size: 1.05rem;
  font-weight: 800;
  color: #2d6a9f;
  line-height: 1.3;
}

.affordability-pillar-note {
  margin: 0;
  font-size: 0.86rem;
  color: #334e68;
  line-height: 1.5;
}

@media (max-width: 640px) {
  .affordability-pillars {
    grid-template-columns: 1fr;
  }
}

.state-table-wrap {
  margin-top: 1rem;
  padding-top: 0.75rem;
  border-top: 1px solid #d6e6f5;
}

.seo-pay-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 0.9rem;
  margin-top: 0.7rem;
}

.seo-pay-blocks {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 1rem;
  margin-top: 0.6rem;
}

.seo-pay-block {
  background: linear-gradient(180deg, #ffffff 0%, #f8fbff 100%);
  border: 1px solid #cfe0f1;
  border-left: 5px solid #0f7b6c;
  border-radius: 14px;
  padding: 1rem 1rem 0.9rem;
  box-shadow: 0 10px 22px rgba(16, 42, 67, 0.08);
  display: grid;
  gap: 0.65rem;
}

.seo-pay-block-title {
  margin: 0;
  font-size: 0.98rem;
  font-weight: 700;
  color: #486581;
  line-height: 1.35;
  letter-spacing: -0.01em;
}

.seo-pay-block-answer {
  background: linear-gradient(135deg, #f0f9ff 0%, #e8f4fc 100%);
  border: 1px solid #b6e0fe;
  border-radius: 12px;
  padding: 0.75rem 0.85rem 0.65rem;
}

.seo-pay-equation {
  display: flex;
  flex-wrap: wrap;
  align-items: baseline;
  justify-content: center;
  gap: 0.35rem 0.5rem;
  text-align: center;
}

.seo-pay-rate {
  font-size: 1.05rem;
  font-weight: 700;
  color: #334e68;
  font-variant-numeric: tabular-nums;
}

.seo-pay-equals {
  font-size: 1.25rem;
  font-weight: 600;
  color: #829ab1;
  line-height: 1;
}

.seo-pay-year-wrap {
  font-variant-numeric: tabular-nums;
}

.seo-pay-year-amount {
  font-size: clamp(1.35rem, 3vw, 1.65rem);
  font-weight: 800;
  color: #0f7b6c;
  letter-spacing: -0.02em;
}

.seo-pay-year-unit {
  font-size: 1.05rem;
  font-weight: 700;
  color: #0a5f53;
}

.seo-pay-tax-note {
  margin: 0.45rem 0 0;
  font-size: 0.72rem;
  font-weight: 600;
  color: #627d98;
  text-align: center;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  line-height: 1.35;
}

.seo-pay-block-after-tax {
  margin: 0;
  color: #243b53;
  line-height: 1.45;
  font-size: 0.92rem;
}

.seo-pay-block-after-tax strong {
  color: #102a43;
}

.seo-pay-explainer {
  margin-top: 0.1rem;
  background: #f2f8ff;
  border: 1px solid #d7e7f7;
  border-radius: 10px;
  padding: 0.55rem 0.65rem;
}

.seo-pay-explainer strong {
  display: block;
  font-size: 0.86rem;
  color: #1f3c58;
  margin-bottom: 0.16rem;
}

.seo-pay-explainer p {
  margin: 0;
  color: #486581;
  font-size: 0.94rem;
  line-height: 1.5;
}

.seo-pay-card {
  background: linear-gradient(180deg, #ffffff 0%, #f8fbff 100%);
  border: 1px solid #cfe0f1;
  border-radius: 14px;
  padding: 0.9rem;
  box-shadow: 0 8px 20px rgba(16, 42, 67, 0.07);
  display: grid;
  gap: 0.7rem;
}

.seo-pay-head {
  display: grid;
  gap: 0.25rem;
}

.seo-pay-badge {
  display: inline-flex;
  width: fit-content;
  padding: 0.2rem 0.5rem;
  border-radius: 999px;
  font-size: 0.78rem;
  font-weight: 700;
  color: #0a5f53;
  background: #d8f3ea;
}

.seo-pay-card h4 {
  margin: 0;
  font-size: 1rem;
  color: #102a43;
}

.seo-pay-sub {
  margin: 0;
  font-size: 0.85rem;
  color: #627d98;
}

.seo-pay-metrics {
  display: grid;
  grid-template-columns: 1fr;
  gap: 0.45rem;
}

.seo-pay-metrics > div {
  display: grid;
  gap: 0.05rem;
  padding: 0.5rem;
  border-radius: 10px;
  background: #fff;
  border: 1px solid #e2ecf7;
}

.seo-metric-label {
  font-size: 0.78rem;
  color: #627d98;
}

.seo-pay-metrics strong {
  color: #1f3c58;
  font-size: 1rem;
}

.seo-pay-bars {
  display: grid;
  gap: 0.45rem;
}

.seo-pay-bar-row {
  display: grid;
  gap: 0.2rem;
}

.seo-pay-bar-row span {
  font-size: 0.82rem;
  color: #486581;
}

.seo-pay-bar-track {
  width: 100%;
  height: 8px;
  background: #e3edf7;
  border-radius: 999px;
  overflow: hidden;
}

.seo-pay-bar {
  height: 100%;
  border-radius: 999px;
}

.seo-pay-bar-net {
  background: #0f7b6c;
}

.seo-pay-bar-tax {
  background: #f59f00;
}

.state-tax-table {
  width: 100%;
  border-collapse: collapse;
  margin-top: 0.5rem;
  font-size: 0.94rem;
  background: #fff;
  border: 1px solid #d7e5f2;
  border-radius: 10px;
  overflow: hidden;
}

.state-tax-table th,
.state-tax-table td {
  padding: 0.55rem 0.6rem;
  border-bottom: 1px solid #e4edf5;
  text-align: left;
}

.state-tax-table th {
  background: #f1f7fd;
  color: #243b53;
}

.state-tax-table tbody tr:last-child td {
  border-bottom: 0;
}

.state-tax-table .is-selected-state {
  background: #ecfbf6;
}

.show-more-btn {
  margin-top: 0.7rem;
}

.viz-row {
  display: grid;
  gap: 0.45rem;
  margin-top: 0.6rem;
}

.viz-label {
  font-size: 0.9rem;
  color: #486581;
}

.viz-bar-wrap {
  width: 100%;
  height: 11px;
  background: #e4edf5;
  border-radius: 999px;
  overflow: hidden;
}

.viz-bar {
  height: 100%;
  border-radius: 999px;
}

.viz-gross {
  background: #6aa4d9;
}

.viz-tax {
  background: #f59f00;
}

.viz-takehome {
  background: #0f7b6c;
}

.faq-stack {
  display: grid;
  gap: 0.8rem;
}

.interlink-section {
  margin-top: 1rem;
  padding-top: 0.75rem;
  border-top: 1px solid #d6e6f5;
}

.interlink-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 0.8rem;
}

.interlink-card {
  display: grid;
  gap: 0.35rem;
  background: linear-gradient(180deg, #ffffff 0%, #f8fbff 100%);
  border: 1px solid #cfe0f1;
  border-radius: 12px;
  padding: 0.85rem;
  box-shadow: 0 8px 20px rgba(16, 42, 67, 0.06);
  text-decoration: none;
}

.interlink-card:hover {
  border-color: #9fc4e8;
  box-shadow: 0 10px 22px rgba(16, 42, 67, 0.1);
  text-decoration: none;
}

.interlink-card h3 {
  margin: 0;
  color: #102a43;
  font-size: 1.03rem;
}

.interlink-card p {
  margin: 0;
  color: #486581;
}

.interlink-cta {
  margin-top: 0.12rem;
  font-weight: 700;
  font-size: 0.9rem;
  color: #0a5f53;
}

.fl-page-interlink {
  margin-top: 2.25rem;
  padding-top: 1.5rem;
}

.fl-page-interlink .lead {
  max-width: 40rem;
  margin-left: auto;
  margin-right: auto;
  text-align: center;
  font-size: 0.98rem;
  color: #486581;
}

.living-page-interlink {
  margin-top: 2.25rem;
  padding-top: 1.5rem;
}

.living-page-interlink .lead {
  max-width: 40rem;
  margin-left: auto;
  margin-right: auto;
  text-align: center;
  font-size: 0.98rem;
  color: #486581;
}

.faq-item {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 0.85rem;
}

.faq-item h3 {
  margin-bottom: 0.3rem;
}

.faq-item p {
  margin: 0;
  color: var(--muted);
}

.debt-page h1::before,
.debt-page h2::before {
  content: none;
}

.debt-hero {
  padding-bottom: 0.9rem;
}

.debt-page section {
  padding: 1.4rem 0;
}

.debt-page .debt-hero {
  padding-top: 2rem;
  padding-bottom: 0.7rem;
}

.debt-page section[aria-labelledby="seo-debt-question"],
.debt-page section[aria-labelledby="how-long-payoff"],
.debt-page section[aria-labelledby="credit-card-faqs"] {
  padding-top: 0.75rem;
  padding-bottom: 0.75rem;
}

.debt-highlight-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 0.75rem;
  margin-top: 1rem;
}

.debt-highlight-card {
  background: linear-gradient(180deg, #ffffff 0%, #f8fbff 100%);
  border: 1px solid #d6e6f5;
  border-radius: 12px;
  padding: 0.75rem;
  box-shadow: 0 8px 18px rgba(16, 42, 67, 0.06);
}

.debt-highlight-card h3 {
  margin: 0 0 0.28rem;
  font-size: 1rem;
  color: #1f3c58;
}

.debt-highlight-card p {
  margin: 0;
  color: #486581;
}

.debt-tool-shell {
  margin-top: 0.2rem;
  padding: 0.95rem;
  border-radius: 14px;
  border: 1px solid #cfe0f1;
  background: #fff;
  box-shadow: 0 10px 22px rgba(16, 42, 67, 0.05);
}

.tool-subtitle {
  margin: 0 0 0.2rem;
  color: #486581;
}

.debt-input-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
  align-items: end;
}

.debt-input-grid button {
  height: fit-content;
}

.debt-result-hero {
  margin-bottom: 0.55rem;
}

.debt-result-kpis {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(210px, 1fr));
  gap: 0.6rem;
}

.debt-result-warning {
  margin: 0 0 0.55rem;
  padding: 0.5rem 0.6rem;
  border-radius: 9px;
  border: 1px solid #f6cf8b;
  background: #fff6e8;
  color: #8d4f00;
  font-weight: 700;
}

.debt-result-kpi {
  background: #fff;
  border: 1px solid #cfe0f1;
  border-radius: 12px;
  padding: 0.75rem;
  display: grid;
  gap: 0.2rem;
  box-shadow: 0 8px 18px rgba(16, 42, 67, 0.06);
}

.debt-result-kpi span {
  font-size: 0.82rem;
  color: #486581;
  font-weight: 700;
}

.debt-result-kpi strong {
  font-size: clamp(1.2rem, 2.5vw, 1.55rem);
  color: #102a43;
  line-height: 1.2;
}

.debt-result-kpi.interest-kpi {
  border-color: #f6cf8b;
  background: linear-gradient(180deg, #fffaf1 0%, #fff6e6 100%);
}

.debt-timeline-wrap {
  display: grid;
  gap: 0.55rem;
  margin-top: 0.45rem;
}

.debt-timeline-item {
  background: #fff;
  border: 1px solid #d8e5f2;
  border-radius: 10px;
  padding: 0.65rem;
}

.debt-timeline-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 0.6rem;
}

.debt-timeline-head strong {
  color: #1f3c58;
}

.debt-timeline-head span {
  font-size: 0.82rem;
  color: #627d98;
}

.debt-timeline-metrics {
  margin-top: 0.2rem;
  display: flex;
  flex-wrap: wrap;
  gap: 0.55rem;
}

.debt-timeline-metrics span {
  font-size: 0.8rem;
  color: #486581;
  background: #f6faff;
  border: 1px solid #e1ecf8;
  border-radius: 999px;
  padding: 0.14rem 0.48rem;
}

.debt-timeline-bar {
  margin-top: 0.38rem;
  width: 100%;
  height: 12px;
  background: #e7eef6;
  border-radius: 999px;
  overflow: hidden;
}

.debt-timeline-bar-fill {
  height: 100%;
  display: flex;
  border-radius: 999px;
  overflow: hidden;
}

.debt-principal-fill {
  height: 100%;
  background: #0f7b6c;
}

.debt-interest-fill {
  height: 100%;
  background: #f59f00;
}

.debt-timeline-balance {
  margin-top: 0.28rem;
  width: 100%;
  height: 6px;
  background: #eef3f8;
  border-radius: 999px;
  overflow: hidden;
}

.debt-timeline-balance span {
  display: block;
  height: 100%;
  background: #6c8dad;
  border-radius: 999px;
}

.what-if-title {
  margin-top: 0.85rem;
  margin-bottom: 0.5rem;
}

.what-if-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 0.6rem;
}

.what-if-card {
  background: #fff;
  border: 1px solid #d7e5f2;
  border-radius: 10px;
  padding: 0.7rem;
  box-shadow: 0 6px 16px rgba(16, 42, 67, 0.05);
}

.what-if-card h3 {
  margin: 0 0 0.3rem;
  font-size: 0.98rem;
  color: #1f3c58;
}

.what-if-card p {
  margin: 0.18rem 0;
  color: #486581;
}

.living-page h1::before,
.living-page h2::before {
  content: none;
}

.living-hero {
  padding-top: 2rem;
  padding-bottom: 0.5rem;
}

.living-hero-lead {
  max-width: 42rem;
}

.living-page section {
  padding: 1.75rem 0;
}

.living-seo-section {
  padding-bottom: 2.5rem;
}

.living-us-context {
  padding-top: 0.5rem;
  padding-bottom: 2rem;
}

.living-us-lead {
  max-width: 46rem;
  margin-bottom: 1rem;
  color: #486581;
}

.living-us-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 0.85rem;
  margin-top: 0.75rem;
}

.living-us-card {
  background: #fff;
  border: 1px solid #d7e5f2;
  border-radius: 12px;
  padding: 1rem;
  box-shadow: 0 6px 18px rgba(16, 42, 67, 0.05);
}

.living-us-card h3 {
  margin: 0 0 0.4rem;
  font-size: 0.88rem;
  font-weight: 700;
  color: #0a5f53;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.living-us-stat {
  margin: 0;
  font-size: 1.35rem;
  font-weight: 800;
  color: #102a43;
  line-height: 1.25;
}

.living-us-unit {
  display: block;
  font-size: 0.78rem;
  font-weight: 600;
  color: #627d98;
  margin-top: 0.2rem;
}

.living-us-note {
  margin: 0.55rem 0 0;
  font-size: 0.88rem;
  color: #486581;
  line-height: 1.45;
}

.living-us-disclaimer {
  margin-top: 0.85rem;
  max-width: 48rem;
}

.rvb-means-h2 {
  margin-top: 1.5rem;
}

.rvb-means-box {
  background: linear-gradient(180deg, #f6fffc 0%, #ffffff 100%);
  border: 1px solid #b8e6d8;
  border-radius: 12px;
  padding: 1rem 1.1rem;
  margin-top: 0.5rem;
}

.rvb-means-line {
  margin: 0 0 0.65rem;
  font-size: 0.95rem;
  color: #243b53;
  line-height: 1.5;
}

.rvb-means-line:last-child {
  margin-bottom: 0;
}

.rvb-guide-wrap {
  margin: 1.15rem 0 0.5rem;
}

.rvb-guide-h2 {
  margin-top: 0.5rem;
}

.rvb-guide-intro {
  margin: 0 0 0.65rem;
  font-size: 0.92rem;
  color: #486581;
  max-width: 40rem;
}

.rvb-guide-table-scroll {
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  border-radius: 10px;
  border: 1px solid #d7e5f2;
  background: #fff;
}

.rvb-guide-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.92rem;
  min-width: 280px;
}

.rvb-guide-table th,
.rvb-guide-table td {
  padding: 0.65rem 0.85rem;
  text-align: left;
  border-bottom: 1px solid #e8f0f8;
  vertical-align: top;
}

.rvb-guide-table th {
  background: #f1f7fd;
  color: #243b53;
  font-weight: 700;
  font-size: 0.82rem;
  text-transform: uppercase;
  letter-spacing: 0.02em;
}

.rvb-guide-table tbody tr:last-child td {
  border-bottom: 0;
}

.rvb-guide-highlight {
  background: linear-gradient(90deg, #ecfbf6 0%, #f8fffd 100%);
  box-shadow: inset 3px 0 0 0 #0f7b6c;
}

.rvb-guide-note {
  font-size: 0.78rem;
  font-weight: 500;
  color: #627d98;
}

.rvb-guide-your-row {
  margin: 0.65rem 0 0;
  font-size: 0.88rem;
  color: #334e68;
}

.living-quick-guide-section {
  padding: 1.5rem 0 1.25rem;
  border-top: 1px solid #e4edf5;
}

.living-quick-guide-section > h2 {
  margin-bottom: 0.5rem;
  font-size: clamp(1.2rem, 2.4vw, 1.45rem);
  color: #102a43;
}

.rvb-quick-guide-mount {
  min-height: 2.5rem;
}

.rvb-guide-placeholder {
  margin: 0;
  padding: 0.85rem 1rem;
  background: #f8fbff;
  border: 1px dashed #b8d4ea;
  border-radius: 10px;
  color: #486581;
  font-size: 0.95rem;
  line-height: 1.45;
}

.living-seo-deep {
  padding: 1.25rem 0 2.25rem;
  border-top: 1px solid #e4edf5;
}

.living-seo-deep-kicker {
  margin: 0 0 0.35rem;
  font-size: 0.82rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: #0a5f53;
}

.living-seo-deep-intro {
  margin: 0 0 1.25rem;
  max-width: 42rem;
  color: #486581;
  font-size: 1.02rem;
  line-height: 1.55;
}

.living-seo-block {
  margin-bottom: 1.35rem;
  padding: 1rem 1.1rem;
  background: #fff;
  border: 1px solid #e2ecf7;
  border-radius: 12px;
  box-shadow: 0 4px 14px rgba(16, 42, 67, 0.04);
}

.living-seo-block:last-child {
  margin-bottom: 0;
}

.living-seo-block h2 {
  margin: 0 0 0.55rem;
  font-size: clamp(1.05rem, 2vw, 1.25rem);
  color: #102a43;
  line-height: 1.25;
}

.living-seo-block p {
  margin: 0 0 0.65rem;
  color: #334e68;
  font-size: 0.95rem;
  line-height: 1.55;
}

.living-seo-block p:last-child {
  margin-bottom: 0;
}

.living-faq-section {
  padding: 1.5rem 0 2.5rem;
  border-top: 1px solid #e4edf5;
}

.living-faq-section > h2 {
  margin-bottom: 0.4rem;
  font-size: clamp(1.2rem, 2.4vw, 1.5rem);
  color: #102a43;
}

.living-faq-lead {
  margin: 0 0 1rem;
  max-width: 42rem;
  color: #486581;
  font-size: 0.98rem;
  line-height: 1.5;
}

.rvb-calculator-shell {
  background: linear-gradient(180deg, #ffffff 0%, #f8fbff 100%);
  border: 1px solid #cfe0f1;
  border-radius: 16px;
  padding: 1.25rem 1.25rem 1.5rem;
  box-shadow: 0 12px 28px rgba(16, 42, 67, 0.06);
}

.rvb-section-title {
  margin-bottom: 0.35rem;
}

.rvb-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  margin-top: 1rem;
}

@media (max-width: 820px) {
  .rvb-split {
    grid-template-columns: 1fr;
  }
}

.rvb-panel {
  border-radius: 12px;
  padding: 1rem;
  border: 1px solid var(--border);
}

.rvb-panel-rent {
  background: linear-gradient(180deg, #f0f8ff 0%, #ffffff 100%);
  border-color: #b8d7f2;
}

.rvb-panel-buy {
  background: linear-gradient(180deg, #edfcf8 0%, #ffffff 100%);
  border-color: #9fd9cb;
}

.rvb-panel-global {
  margin-top: 1rem;
  background: #fffef5;
  border: 1px solid #f0d68a;
}

.rvb-panel-title {
  margin: 0 0 0.75rem;
  font-size: 1rem;
  color: #1f3c58;
}

.rvb-global-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 0.75rem;
}

@media (max-width: 720px) {
  .rvb-global-grid {
    grid-template-columns: 1fr;
  }
}

.rvb-inline-row {
  display: grid;
  grid-template-columns: minmax(8rem, 10rem) 1fr;
  gap: 0.5rem;
  align-items: center;
}

.rvb-inline-row select {
  padding: 0.65rem;
  border-radius: 8px;
  border: 1px solid var(--border);
  font: inherit;
}

.rvb-submit {
  width: 100%;
  margin-top: 1.15rem;
  padding: 0.85rem 1rem;
  font-size: 1.02rem;
}

.rvb-result:not(:empty) {
  margin-top: 1.25rem;
}

.rvb-verdict {
  background: linear-gradient(135deg, #f2f8ff 0%, #eaf6ff 100%);
  border: 1px solid #c5dcf2;
  border-radius: 12px;
  padding: 1rem 1.1rem;
  margin-bottom: 1rem;
}

.rvb-verdict-lead {
  margin: 0;
  font-size: clamp(1.15rem, 2.5vw, 1.45rem);
  font-weight: 800;
  color: #102a43;
  line-height: 1.3;
}

.rvb-verdict-sub {
  margin: 0.45rem 0 0;
  font-size: 0.92rem;
  color: #486581;
}

.rvb-kpi-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 0.65rem;
  margin-bottom: 1rem;
}

.rvb-kpi {
  background: #fff;
  border: 1px solid #d7e5f2;
  border-radius: 10px;
  padding: 0.75rem;
  display: grid;
  gap: 0.25rem;
}

.rvb-kpi-diff {
  border-color: #c3e8dd;
  background: #f6fffc;
}

.rvb-kpi-label {
  font-size: 0.8rem;
  font-weight: 700;
  color: #627d98;
}

.rvb-kpi strong {
  font-size: 1.2rem;
  color: #102a43;
}

.rvb-kpi small {
  font-size: 0.78rem;
  color: #627d98;
  line-height: 1.35;
}

.rvb-chart-title {
  margin: 0 0 0.35rem;
  font-size: 1.05rem;
}

.rvb-break-even-spotlight {
  margin: 0 0 0.75rem;
  padding: 0.9rem 1rem 0.95rem;
  border-radius: 12px;
  border: 1px solid #f6ad55;
  background: linear-gradient(135deg, #fffaf3 0%, #fff7ed 45%, #ffedd5 100%);
  box-shadow: 0 1px 0 rgba(192, 86, 33, 0.08);
}

.rvb-break-even-spotlight--milestone {
  border-width: 2px;
  border-color: #ed8936;
  box-shadow: 0 2px 12px rgba(237, 137, 54, 0.18);
}

.rvb-break-even-spotlight--soft {
  border-color: #c5d8eb;
  background: linear-gradient(180deg, #f8fbff 0%, #f0f6fc 100%);
  box-shadow: none;
}

.rvb-break-even-spotlight--soft .rvb-break-even-spotlight-lead {
  font-size: 0.95rem;
  color: #334e68;
  font-weight: 500;
}

.rvb-break-even-spotlight-badge {
  display: inline-block;
  font-size: 0.68rem;
  font-weight: 800;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: #9c4221;
  background: #fff;
  border: 1px solid #f6ad55;
  padding: 0.2rem 0.45rem;
  border-radius: 6px;
  margin-bottom: 0.45rem;
}

.rvb-break-even-spotlight-lead {
  margin: 0;
  font-size: clamp(1rem, 2.5vw, 1.12rem);
  font-weight: 700;
  color: #7c2d12;
  line-height: 1.45;
}

.rvb-break-even-spotlight--milestone .rvb-break-even-spotlight-lead {
  font-size: clamp(1.05rem, 2.6vw, 1.2rem);
  color: #7c2d12;
}

.rvb-break-even-spotlight-note {
  margin: 0.55rem 0 0;
  font-size: 0.88rem;
  color: #9a3412;
  line-height: 1.45;
  font-weight: 500;
}

.rvb-whatif-intro {
  margin: 0 0 0.75rem;
  font-size: 0.92rem;
  color: #486581;
  line-height: 1.5;
  padding: 0.5rem 0.65rem;
  border-left: 3px solid #90cdf4;
  background: #f0f9ff;
  border-radius: 0 8px 8px 0;
}

.rvb-chart {
  margin: 0;
  width: 100%;
}

.rvb-chart-svg {
  width: 100%;
  height: auto;
  display: block;
}

.rvb-chart-caption {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  margin-top: 0.55rem;
  font-size: 0.88rem;
  color: #486581;
}

.rvb-legend {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
}

.rvb-legend .swatch {
  width: 1rem;
  height: 0.35rem;
  border-radius: 999px;
}

.rvb-legend-rent .swatch {
  background: #2d6a9f;
}

.rvb-legend-buy .swatch {
  background: #0f7b6c;
}

.rvb-legend-be .swatch-be {
  width: 0.5rem;
  height: 0.5rem;
  border-radius: 2px;
  background: repeating-linear-gradient(
    90deg,
    #c05621 0 4px,
    transparent 4px 8px
  );
  border: 1px solid #c05621;
}

.rvb-chart-hint {
  margin: 0 0 0.4rem;
  font-size: 0.85rem;
  color: #486581;
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 0.35rem;
}

.rvb-chart-hint-dot {
  display: inline-block;
  width: 0.55rem;
  height: 0.55rem;
  border-radius: 999px;
  border: 2px solid #fff;
  box-shadow: 0 0 0 1px #bcccdc;
}

.rvb-chart-hint-dot.rent {
  background: #2d6a9f;
}

.rvb-chart-point-group {
  cursor: crosshair;
}

/* Native <title> tooltips: hit layer must receive pointer events (transparent fills often fail in WebKit). */
.rvb-chart-point-hit {
  pointer-events: all !important;
}

.rvb-chart-dot {
  pointer-events: none;
}

.rvb-chart-point-group:hover .rvb-chart-dot {
  stroke-width: 2.5;
  filter: drop-shadow(0 1px 3px rgba(16, 42, 67, 0.25));
}

.rvb-note {
  margin-top: 0.75rem;
}

.rvb-break-even {
  margin-top: 1rem;
  padding: 0.85rem 1rem;
  border-radius: 10px;
  border: 1px solid #d4e5f5;
  background: #f8fbff;
}

.rvb-break-even-title {
  margin: 0 0 0.45rem;
  font-size: 1.05rem;
  color: #1f3c58;
}

.rvb-break-even-text {
  margin: 0;
  font-size: 0.95rem;
  color: #334e68;
  line-height: 1.45;
}

.rvb-prose-h2 {
  margin: 1.35rem 0 0.65rem;
  font-size: clamp(1.2rem, 2.4vw, 1.45rem);
  color: #102a43;
  border-bottom: 1px solid #e4edf5;
  padding-bottom: 0.35rem;
}

.rvb-breakdown-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}

@media (max-width: 720px) {
  .rvb-breakdown-grid {
    grid-template-columns: 1fr;
  }
}

.rvb-breakdown-col {
  background: #fff;
  border: 1px solid #d7e5f2;
  border-radius: 10px;
  padding: 0.85rem 1rem;
}

.rvb-breakdown-h3 {
  margin: 0 0 0.6rem;
  font-size: 1rem;
  color: #0a5f53;
}

.rvb-breakdown-dl {
  margin: 0;
  display: grid;
  gap: 0.5rem;
}

.rvb-breakdown-dl dt {
  font-size: 0.78rem;
  font-weight: 700;
  color: #627d98;
  text-transform: uppercase;
  letter-spacing: 0.02em;
}

.rvb-breakdown-dl dd {
  margin: 0.1rem 0 0.45rem;
  font-size: 0.95rem;
  color: #102a43;
  font-weight: 600;
}

.rvb-breakdown-note {
  font-weight: 400;
  font-size: 0.82rem;
  color: #627d98;
}

.rvb-whatif-list {
  margin: 0;
  padding: 0;
  list-style: none;
  display: grid;
  gap: 0.65rem;
}

.rvb-whatif-item {
  background: #fff;
  border: 1px solid #e2ecf7;
  border-radius: 10px;
  padding: 0.75rem 0.85rem;
}

.rvb-whatif-item strong {
  display: block;
  font-size: 0.92rem;
  color: #1f3c58;
  margin-bottom: 0.25rem;
}

.rvb-whatif-item p {
  margin: 0;
  font-size: 0.9rem;
  color: #486581;
  line-height: 1.45;
}

.rvb-whatif-examples {
  margin: 0.85rem 0 0;
  padding: 0.75rem 0.9rem;
  background: linear-gradient(180deg, #fffef8 0%, #fff9ed 100%);
  border: 1px solid #f0d9a8;
  border-radius: 10px;
  font-size: 0.92rem;
  color: #334e68;
  line-height: 1.55;
}

.rvb-whatif-examples-label {
  font-weight: 700;
  color: #8d4f00;
}

.site-footer {
  background: #102a43;
  color: #d9e2ec;
  margin-top: 2rem;
}

.site-footer .container {
  padding: 1.3rem 0;
}

.footer-links {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  margin-top: 0.4rem;
}

.footer-links a {
  color: #d9e2ec;
}

@media (max-width: 740px) {
  .nav-wrap {
    flex-direction: column;
    align-items: flex-start;
  }

  .seo-pay-blocks {
    grid-template-columns: 1fr;
    gap: 0.85rem;
  }

  .debt-input-grid {
    grid-template-columns: 1fr;
  }
}

/* —— Freelance 1099 vs W2 page —— */
.fl-page {
  padding-bottom: 2rem;
}

.fl-page h1::before,
.fl-page h2::before {
  content: none;
  display: none;
}

.fl-hero h1,
.fl-section-title {
  display: block;
}

.fl-hero {
  padding: 2.25rem 0 1.5rem;
  text-align: center;
  max-width: 40rem;
  margin: 0 auto;
}

.fl-hero .label {
  display: block;
  margin-bottom: 0.5rem;
}

.fl-hero h1 {
  display: block;
  font-size: clamp(1.5rem, 4vw, 2.05rem);
  color: #102a43;
  margin-bottom: 0.65rem;
}

.fl-hero-lead {
  font-size: 1.05rem;
  color: #486581;
  margin: 0;
  line-height: 1.55;
}

.fl-calculator {
  margin-top: 0.5rem;
  padding: 1.5rem 0 2rem;
}

.fl-section-title {
  font-size: clamp(1.2rem, 2.5vw, 1.5rem);
  color: #102a43;
  margin-bottom: 0.35rem;
}

.fl-tool-subtitle {
  text-align: center;
  max-width: 36rem;
  margin: 0 auto 1.5rem;
}

.fl-form {
  max-width: 900px;
  margin: 0 auto;
}

.fl-form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.25rem;
  align-items: stretch;
}

@media (max-width: 800px) {
  .fl-form-grid {
    grid-template-columns: 1fr;
  }
}

.fl-panel {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 1.1rem 1.15rem 1.2rem;
  box-shadow: var(--shadow);
}

.fl-panel-income {
  border-top: 3px solid #0f7b6c;
}

.fl-panel-freelance {
  border-top: 3px solid #6b46c1;
}

.fl-panel-title {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 1.05rem;
  margin: 0 0 0.85rem;
  color: #102a43;
}

.fl-panel-marker {
  width: 0.45rem;
  height: 1.25rem;
  border-radius: 3px;
  flex-shrink: 0;
}

.fl-marker-income {
  background: linear-gradient(180deg, #0f7b6c, #2ea893);
}

.fl-marker-freelance {
  background: linear-gradient(180deg, #6b46c1, #9f7aea);
}

.fl-fieldset {
  border: 1px dashed #c5d8eb;
  border-radius: 10px;
  padding: 0.65rem 0.75rem 0.75rem;
  margin: 0;
}

.fl-fieldset-legend {
  padding: 0 0.35rem;
  font-size: 0.82rem;
  font-weight: 700;
  color: #627d98;
}

.fl-radio {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.95rem;
  margin: 0.35rem 0 0;
  cursor: pointer;
}

.fl-radio input {
  accent-color: var(--primary);
}

.fl-slider-field span:first-child {
  display: flex;
  flex-wrap: wrap;
  align-items: baseline;
  gap: 0.35rem;
}

.fl-field-hint {
  font-weight: 400;
  font-size: 0.78rem;
  color: #829ab1;
}

.fl-slider-field input[type="range"] {
  width: 100%;
  margin-top: 0.35rem;
  accent-color: #6b46c1;
}

.fl-slider-value {
  display: inline-block;
  margin-top: 0.25rem;
  font-weight: 700;
  font-variant-numeric: tabular-nums;
  color: #553c9a;
}

.fl-advanced {
  margin-top: 1rem;
  border: 1px solid #e2e8f0;
  border-radius: 10px;
  background: #fafcfe;
  padding: 0;
}

.fl-advanced-summary {
  cursor: pointer;
  font-weight: 700;
  font-size: 0.95rem;
  color: #334e68;
  padding: 0.75rem 1rem;
  list-style: none;
}

.fl-advanced summary::-webkit-details-marker {
  display: none;
}

.fl-advanced-summary::before {
  content: "▸ ";
  display: inline-block;
  transition: transform 0.15s ease;
}

.fl-advanced[open] .fl-advanced-summary::before {
  transform: rotate(90deg);
}

.fl-advanced-body {
  padding: 0 1rem 1rem;
  border-top: 1px solid #e8eef4;
}

.fl-advanced-hint {
  margin: -0.25rem 0 0.65rem;
  font-size: 0.8rem;
  color: #829ab1;
  line-height: 1.4;
}

.fl-actions {
  margin-top: 1.35rem;
  text-align: center;
}

.fl-compare-btn {
  appearance: none;
  border: none;
  background: linear-gradient(135deg, #0f7b6c 0%, #0a5f53 100%);
  color: #fff;
  font-weight: 700;
  font-size: 1.02rem;
  padding: 0.85rem 1.75rem;
  border-radius: 10px;
  cursor: pointer;
  box-shadow: 0 4px 14px rgba(15, 123, 108, 0.35);
  transition: transform 0.12s ease, box-shadow 0.12s ease;
}

.fl-compare-btn:hover {
  transform: translateY(-1px);
  box-shadow: 0 6px 18px rgba(15, 123, 108, 0.4);
}

.fl-compare-btn:active {
  transform: translateY(0);
}

.fl-disclaimer {
  margin-top: 1.25rem;
  text-align: center;
  max-width: 36rem;
  margin-left: auto;
  margin-right: auto;
}

.fl-results-wrap {
  margin-top: 1.75rem;
}

.fl-result-error {
  padding: 1rem;
  background: #fff5f5;
  border: 1px solid #feb2b2;
  border-radius: 10px;
  color: #742a2a;
}

.fl-diff-banner {
  border-radius: 14px;
  padding: 1.1rem 1.25rem 1.15rem;
  margin-bottom: 1.25rem;
  text-align: center;
}

.fl-diff-banner--freelance {
  background: linear-gradient(135deg, #f3e8ff 0%, #e9d8fd 100%);
  border: 2px solid #9f7aea;
}

.fl-diff-banner--w2 {
  background: linear-gradient(135deg, #e6fffa 0%, #b2f5ea 100%);
  border: 2px solid #0f7b6c;
}

.fl-diff-banner--neutral {
  background: linear-gradient(135deg, #f7fafc 0%, #edf2f7 100%);
  border: 1px solid #cbd5e0;
}

.fl-diff-lead {
  margin: 0;
  font-size: clamp(1.05rem, 2.8vw, 1.25rem);
  font-weight: 700;
  color: #102a43;
  line-height: 1.45;
}

.fl-diff-banner--freelance .fl-diff-lead {
  color: #44337a;
}

.fl-diff-banner--w2 .fl-diff-lead {
  color: #0a5f53;
}

.fl-diff-sub {
  margin: 0.55rem 0 0;
  font-size: 0.86rem;
  color: #486581;
  line-height: 1.45;
}

.fl-result-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.1rem;
  align-items: stretch;
}

@media (max-width: 720px) {
  .fl-result-grid {
    grid-template-columns: 1fr;
  }
}

.fl-result-card {
  background: var(--surface);
  border-radius: 12px;
  padding: 1rem 1.05rem 1.1rem;
  border: 1px solid var(--border);
}

.fl-result-w2 {
  border-top: 4px solid #0f7b6c;
}

.fl-result-1099 {
  border-top: 4px solid #6b46c1;
}

.fl-result-head {
  margin-bottom: 0.85rem;
  padding-bottom: 0.65rem;
  border-bottom: 1px solid #e8eef4;
}

.fl-result-title {
  margin: 0;
  font-size: 1.12rem;
  color: #102a43;
}

.fl-result-tag {
  margin: 0.2rem 0 0;
  font-size: 0.82rem;
  color: #829ab1;
}

.fl-result-dl {
  margin: 0;
}

.fl-result-row {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 0.5rem 1rem;
  align-items: baseline;
  padding: 0.45rem 0;
  border-bottom: 1px solid #f0f4f8;
  font-size: 0.92rem;
}

.fl-result-row:last-child {
  border-bottom: none;
}

.fl-result-row dt {
  margin: 0;
  font-weight: 600;
  color: #486581;
}

.fl-dt-hint {
  display: block;
  font-weight: 400;
  font-size: 0.75rem;
  color: #9fb3c8;
}

.fl-result-row dd {
  margin: 0;
  font-weight: 700;
  font-variant-numeric: tabular-nums;
  color: #102a43;
  text-align: right;
}

.fl-result-row--highlight {
  margin-top: 0.25rem;
  padding-top: 0.65rem;
  border-top: 2px solid #e4edf5;
  border-bottom: none;
  background: linear-gradient(180deg, rgba(247, 250, 252, 0.9) 0%, transparent 100%);
  padding-left: 0.5rem;
  padding-right: 0.5rem;
  margin-left: -0.5rem;
  margin-right: -0.5rem;
  border-radius: 8px;
}

.fl-result-row--highlight dt {
  color: #102a43;
  font-size: 1rem;
}

.fl-result-row--highlight dd {
  font-size: 1.15rem;
  color: #0f7b6c;
}

.fl-result-1099 .fl-result-row--highlight dd {
  color: #553c9a;
}

/* Where your money goes (freelance breakdown) */
.fl-where-goes {
  margin-top: 2rem;
  padding: 1.25rem 1rem 1.35rem;
  background: linear-gradient(180deg, #f8fafc 0%, #fff 100%);
  border: 1px solid var(--border);
  border-radius: 14px;
}

.fl-where-title {
  margin: 0 0 0.35rem;
  font-size: clamp(1.15rem, 2.5vw, 1.4rem);
  color: #102a43;
}

.fl-where-intro {
  margin: 0 0 1.1rem;
  font-size: 0.9rem;
  color: #627d98;
  text-align: center;
  max-width: 28rem;
  margin-left: auto;
  margin-right: auto;
}

.fl-where-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  align-items: start;
}

@media (max-width: 720px) {
  .fl-where-grid {
    grid-template-columns: 1fr;
  }
}

.fl-where-col {
  background: var(--surface);
  border-radius: 12px;
  padding: 1rem 1rem 1.05rem;
  border: 1px solid #e2e8f0;
}

.fl-where-w2 {
  border-top: 3px solid #0f7b6c;
}

.fl-where-1099 {
  border-top: 3px solid #6b46c1;
}

.fl-where-h3 {
  margin: 0 0 0.75rem;
  font-size: 1.05rem;
  color: #102a43;
}

.fl-where-dl {
  margin: 0;
}

.fl-where-row {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 0.35rem 0.75rem;
  align-items: baseline;
  padding: 0.4rem 0;
  border-bottom: 1px solid #f0f4f8;
  font-size: 0.9rem;
}

.fl-where-row:last-child {
  border-bottom: none;
}

.fl-where-row dt {
  margin: 0;
  font-weight: 600;
  color: #486581;
}

.fl-where-hint {
  display: block;
  font-weight: 400;
  font-size: 0.72rem;
  color: #9fb3c8;
}

.fl-where-row dd {
  margin: 0;
  font-weight: 700;
  font-variant-numeric: tabular-nums;
  color: #102a43;
  text-align: right;
}

.fl-where-deductions {
  margin-top: 0.85rem;
  padding-top: 0.75rem;
  border-top: 1px dashed #cbd5e0;
}

.fl-where-deductions-title {
  margin: 0 0 0.5rem;
  font-size: 0.82rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  color: #553c9a;
}

.fl-where-dl-nested .fl-where-row--sub {
  padding: 0.3rem 0;
  font-size: 0.86rem;
}

.fl-where-dl-nested .fl-where-row--sub dt {
  font-weight: 500;
  color: #627d98;
}

.fl-where-dl-nested .fl-where-row--sub dd {
  font-weight: 600;
  font-size: 0.88rem;
}

/* Freelance: education / rationale */
.fl-education {
  margin-top: 2.5rem;
  padding-top: 2rem;
  border-top: 1px solid var(--border);
}

.fl-education-h2 {
  margin: 0 0 0.6rem;
  font-size: clamp(1.2rem, 2.6vw, 1.45rem);
  color: #102a43;
}

.fl-education-lead {
  margin: 0 auto 1.5rem;
  max-width: 40rem;
  font-size: 0.98rem;
  color: #486581;
  line-height: 1.6;
  text-align: center;
}

.fl-education-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.1rem;
  max-width: 820px;
  margin: 0 auto;
}

.fl-education-card {
  background: var(--surface);
  border: 1px solid #e2e8f0;
  border-radius: 12px;
  padding: 1.1rem 1.2rem 1.15rem;
  box-shadow: 0 2px 8px rgba(16, 42, 67, 0.04);
}

.fl-education-card:nth-child(1) {
  border-left: 4px solid #0f7b6c;
}

.fl-education-card:nth-child(2) {
  border-left: 4px solid #6b46c1;
}

.fl-education-card:nth-child(3) {
  border-left: 4px solid #c05621;
}

.fl-education-h3 {
  margin: 0 0 0.65rem;
  font-size: 1.05rem;
  color: #1f3c58;
}

.fl-education-card p {
  margin: 0 0 0.65rem;
  font-size: 0.95rem;
  color: #334e68;
  line-height: 1.65;
}

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

@media (min-width: 900px) {
  .fl-education-grid {
    gap: 1.25rem;
  }
}

/* Freelance: optimization scenarios table */
.fl-optimize {
  margin-top: 2rem;
  padding: 1.35rem 1rem 1.4rem;
  background: linear-gradient(180deg, #faf9fd 0%, #fff 55%);
  border: 1px solid #e9e2f5;
  border-radius: 14px;
}

.fl-optimize-h2 {
  margin: 0 0 0.5rem;
  font-size: clamp(1.15rem, 2.5vw, 1.4rem);
  color: #102a43;
}

.fl-optimize-intro {
  margin: 0 auto 1.1rem;
  max-width: 38rem;
  font-size: 0.92rem;
  color: #486581;
  line-height: 1.55;
  text-align: center;
}

.fl-optimize-table-wrap {
  overflow-x: auto;
  margin: 0 auto;
  max-width: 640px;
  -webkit-overflow-scrolling: touch;
}

.fl-optimize-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.92rem;
  background: var(--surface);
  border-radius: 10px;
  overflow: hidden;
  box-shadow: 0 2px 10px rgba(107, 70, 193, 0.08);
}

.fl-optimize-table thead {
  background: linear-gradient(135deg, #553c9a 0%, #6b46c1 100%);
  color: #fff;
}

.fl-optimize-table th {
  padding: 0.65rem 0.85rem;
  text-align: left;
  font-weight: 700;
  font-size: 0.82rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.fl-optimize-th-num {
  text-align: right;
  width: 8.5rem;
}

.fl-optimize-table tbody tr {
  border-bottom: 1px solid #edf2f7;
}

.fl-optimize-table tbody tr:last-child {
  border-bottom: none;
}

.fl-optimize-table td {
  padding: 0.85rem 0.85rem 0.95rem;
  vertical-align: top;
  color: #334e68;
}

.fl-optimize-cell-num {
  text-align: right;
  font-weight: 800;
  font-variant-numeric: tabular-nums;
  font-size: 1.05rem;
  color: #102a43;
  white-space: nowrap;
}

.fl-optimize-scenario {
  display: block;
  font-weight: 700;
  color: #1f3c58;
  margin-bottom: 0.25rem;
}

.fl-optimize-hint {
  display: block;
  font-size: 0.78rem;
  font-weight: 400;
  color: #829ab1;
  line-height: 1.45;
}

.fl-optimize-row--best {
  background: linear-gradient(90deg, rgba(159, 122, 234, 0.12) 0%, rgba(237, 233, 254, 0.45) 100%);
}

.fl-optimize-row--best .fl-optimize-cell-num {
  color: #553c9a;
}

.fl-optimize-foot {
  margin: 1rem 0 0;
  font-size: 0.82rem;
  color: #627d98;
  text-align: center;
  max-width: 34rem;
  margin-left: auto;
  margin-right: auto;
  line-height: 1.45;
}

.fl-mount:not([hidden]) {
  margin-top: 2rem;
}

.fl-mount:not([hidden]) + .fl-mount:not([hidden]) {
  margin-top: 1.35rem;
}

.fl-means-h2 {
  font-size: clamp(1.15rem, 2.5vw, 1.4rem);
  color: #102a43;
  margin: 0 0 0.4rem;
}

.fl-means-intro {
  text-align: center;
  max-width: 32rem;
  margin: 0 auto 0.85rem;
  font-size: 0.9rem;
  color: #627d98;
  line-height: 1.45;
}

.fl-means-box {
  background: linear-gradient(180deg, #f0f9ff 0%, #ffffff 100%);
  border: 1px solid #90cdf4;
  border-radius: 12px;
  padding: 1rem 1.15rem 1.1rem;
  max-width: 44rem;
  margin: 0 auto;
}

.fl-means-line {
  margin: 0 0 0.85rem;
  font-size: 0.95rem;
  color: #243b53;
  line-height: 1.55;
}

.fl-means-line:last-child {
  margin-bottom: 0;
}

/* Freelance: 1099 vs W-2 decision guide */
.fl-choice-guide {
  margin-top: 2.5rem;
  padding-top: 2rem;
  border-top: 1px solid var(--border);
}

.fl-choice-h2 {
  margin: 0 0 0.45rem;
  font-size: clamp(1.15rem, 2.5vw, 1.4rem);
  color: #102a43;
}

.fl-choice-lead {
  margin: 0 auto 1.1rem;
  max-width: 30rem;
  font-size: 0.92rem;
  color: #627d98;
  text-align: center;
  line-height: 1.5;
}

.fl-choice-table-wrap {
  overflow-x: auto;
  max-width: 520px;
  margin: 0 auto;
}

.fl-choice-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.95rem;
  background: var(--surface);
  border-radius: 12px;
  overflow: hidden;
  border: 1px solid #e2e8f0;
  box-shadow: 0 2px 12px rgba(16, 42, 67, 0.06);
}

.fl-choice-table thead {
  background: linear-gradient(135deg, #102a43 0%, #243b53 100%);
  color: #fff;
}

.fl-choice-table th {
  padding: 0.65rem 1rem;
  text-align: left;
  font-weight: 700;
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.fl-choice-table th:last-child {
  text-align: center;
  width: 9rem;
}

.fl-choice-table tbody tr {
  border-bottom: 1px solid #edf2f7;
}

.fl-choice-table tbody tr:last-child {
  border-bottom: none;
}

.fl-choice-table td {
  padding: 0.75rem 1rem;
  color: #334e68;
  vertical-align: middle;
}

.fl-choice-table td:last-child {
  text-align: center;
}

.fl-choice-tag {
  display: inline-block;
  padding: 0.28rem 0.65rem;
  border-radius: 999px;
  font-weight: 800;
  font-size: 0.82rem;
  letter-spacing: 0.02em;
}

.fl-choice-tag-w2 {
  background: #e6fffa;
  color: #0a5f53;
  border: 1px solid #8eedd8;
}

.fl-choice-tag-1099 {
  background: #f3e8ff;
  color: #553c9a;
  border: 1px solid #d6bcfa;
}

/* Freelance: SEO article + FAQ */
.fl-seo-article {
  margin-top: 2.25rem;
  padding-top: 1.75rem;
  border-top: 1px solid var(--border);
  max-width: 44rem;
  margin-left: auto;
  margin-right: auto;
}

.fl-seo-h2 {
  margin: 0 0 0.65rem;
  font-size: clamp(1.15rem, 2.6vw, 1.45rem);
  color: #102a43;
  line-height: 1.25;
}

.fl-seo-lead {
  margin: 0 0 1.35rem;
  font-size: 0.96rem;
  color: #486581;
  line-height: 1.65;
}

.fl-seo-block {
  margin-bottom: 1.35rem;
  padding-bottom: 1.25rem;
  border-bottom: 1px solid #e8eef4;
}

.fl-seo-block:last-of-type {
  margin-bottom: 0;
  padding-bottom: 0;
  border-bottom: none;
}

.fl-seo-h3 {
  margin: 0 0 0.5rem;
  font-size: 1.05rem;
  color: #1f3c58;
}

.fl-seo-block p {
  margin: 0;
  font-size: 0.94rem;
  color: #334e68;
  line-height: 1.65;
}

.fl-seo-block p + p {
  margin-top: 0.65rem;
}

.fl-faq {
  margin-top: 2rem;
  padding-top: 1.75rem;
  border-top: 1px solid var(--border);
  max-width: 44rem;
  margin-left: auto;
  margin-right: auto;
}

.fl-faq-h2 {
  margin: 0 0 1rem;
  font-size: clamp(1.12rem, 2.4vw, 1.35rem);
  color: #102a43;
}

.fl-faq-list {
  display: grid;
  gap: 1rem;
}

.fl-faq-item {
  background: var(--surface);
  border: 1px solid #e2e8f0;
  border-radius: 12px;
  padding: 1rem 1.1rem 1.05rem;
}

.fl-faq-q {
  margin: 0 0 0.5rem;
  font-size: 1rem;
  color: #0a5f53;
}

.fl-faq-a {
  margin: 0;
  font-size: 0.92rem;
  color: #334e68;
  line-height: 1.6;
}

/*
 * Freelance page: base `h2` is `display: flex` (left-clustered). Section titles need
 * block layout so `text-align: center` applies consistently (SEO, FAQ, means, etc.).
 */
main.fl-page h2 {
  display: block;
  text-align: center;
  text-wrap: balance;
  max-width: 44rem;
  margin-left: auto;
  margin-right: auto;
}