:root {
  --ink-900: #0e1f37;
  --ink-700: #28405f;
  --ink-500: #4f6783;
  --ink-300: #9db0c6;
  --ink-100: #dde8f4;
  --sky-700: #0d4ea6;
  --sky-500: #1f70d8;
  --sky-100: #e8f2ff;
  --surface: #ffffff;
  --surface-soft: #f5f9ff;
  --danger-700: #b12232;
  --danger-100: #fdecef;
  --success-700: #0f6549;
  --shadow: 0 24px 40px rgba(15, 51, 96, 0.08);
  --radius-md: 10px;
  --radius-lg: 18px;
  --radius-xl: 24px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: "Public Sans", "Segoe UI", sans-serif;
  color: var(--ink-900);
  background: radial-gradient(circle at 18% 8%, #f0f6ff 0%, #f8fbff 32%, #ffffff 100%);
  line-height: 1.6;
}

a {
  color: var(--sky-700);
}

.skip-link {
  position: absolute;
  left: 12px;
  top: -120px;
  background: var(--ink-900);
  color: #fff;
  padding: 10px 14px;
  border-radius: 8px;
  text-decoration: none;
  z-index: 1000;
}

.skip-link:focus {
  top: 12px;
}

.container {
  width: min(1100px, 92vw);
  margin: 0 auto;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  background: rgba(255, 255, 255, 0.93);
  border-bottom: 1px solid var(--ink-100);
  backdrop-filter: blur(6px);
}

.site-header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  min-height: 72px;
}

.brand {
  text-decoration: none;
  color: var(--ink-900);
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-weight: 700;
}

.brand-mark {
  width: 34px;
  height: 34px;
  border-radius: 9px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: linear-gradient(145deg, var(--sky-700), var(--sky-500));
  color: #fff;
  font-family: "IBM Plex Mono", monospace;
  font-size: 0.85rem;
}

.nav-links {
  display: flex;
  gap: 20px;
  list-style: none;
  margin: 0;
  padding: 0;
}

.nav-links a {
  text-decoration: none;
  color: var(--ink-700);
  font-weight: 600;
  font-size: 0.96rem;
}

.hero {
  padding: 68px 0 46px;
}

.hero-inner {
  max-width: 760px;
}

.eyebrow {
  display: inline-flex;
  background: var(--sky-100);
  color: var(--sky-700);
  border: 1px solid #c8ddff;
  border-radius: 999px;
  padding: 6px 12px;
  font-weight: 600;
  font-size: 0.88rem;
  margin: 0 0 16px;
}

h1,
h2,
h3,
h4 {
  font-family: "Fraunces", Georgia, serif;
  letter-spacing: 0.01em;
  margin: 0;
}

h1 {
  font-size: clamp(2rem, 4.4vw, 3.2rem);
  line-height: 1.14;
}

h1 span {
  color: var(--sky-700);
}

.hero-copy {
  margin: 18px 0 30px;
  color: var(--ink-700);
  max-width: 66ch;
}

.hero-disclaimer {
  margin: -8px 0 18px;
  color: #7d2b16;
  font-size: 0.92rem;
  font-weight: 600;
}

.btn {
  border: 1px solid transparent;
  border-radius: 12px;
  padding: 11px 18px;
  font-weight: 700;
  font-family: inherit;
  cursor: pointer;
  transition: all 0.18s ease;
}

.btn-primary {
  background: linear-gradient(145deg, var(--sky-700), var(--sky-500));
  color: #fff;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
}

.btn-primary:hover {
  transform: translateY(-1px);
  box-shadow: 0 10px 20px rgba(13, 78, 166, 0.22);
}

.btn-ghost {
  border-color: #c6d9f3;
  background: #fff;
  color: var(--ink-700);
}

.btn-ghost:hover {
  border-color: #9dbfe6;
  background: var(--surface-soft);
}

.calculator-section,
.content-section {
  padding: 24px 0 54px;
}

.section-head {
  margin-bottom: 20px;
}

.section-head p {
  margin: 10px 0 0;
  color: var(--ink-700);
}

.wizard-card {
  background: var(--surface);
  border: 1px solid var(--ink-100);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow);
  padding: 28px;
}

.error-summary {
  border: 1px solid #e5afb7;
  border-left: 4px solid var(--danger-700);
  background: var(--danger-100);
  padding: 14px 16px;
  margin-bottom: 18px;
  border-radius: var(--radius-md);
}

.error-summary h3 {
  font-size: 1.2rem;
  margin-bottom: 8px;
}

.error-summary ul {
  margin: 0;
  padding-left: 18px;
}

.error-summary a {
  color: #8f1020;
}

.question-block {
  padding: 16px;
  border: 1px solid #d5e3f4;
  border-radius: var(--radius-lg);
  margin-bottom: 14px;
  background: linear-gradient(180deg, #ffffff 0%, #fbfdff 100%);
}

.question-block.field-error {
  border-color: #e48f9a;
  background: linear-gradient(180deg, #fff8f8 0%, #fffdfd 100%);
}

.question-block legend,
.label {
  font-weight: 700;
  color: var(--ink-900);
  margin-bottom: 8px;
}

.question-block legend {
  padding: 0 6px;
}

.hint {
  margin: 0 0 10px;
  color: var(--ink-700);
  font-size: 0.94rem;
}

.hint.compact {
  margin-top: 8px;
  margin-bottom: 0;
}

.option-grid {
  display: grid;
  gap: 10px;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
}

.option-card {
  border: 1px solid #bfd5f3;
  border-radius: 12px;
  padding: 12px;
  display: flex;
  align-items: center;
  gap: 10px;
  cursor: pointer;
  font-weight: 600;
}

.option-card:has(input:checked) {
  border-color: var(--sky-700);
  background: var(--sky-100);
}

.option-stack {
  display: grid;
  gap: 8px;
}

.option-stack label {
  display: flex;
  gap: 10px;
}

.select-wrap {
  position: relative;
}

.select-wrap::after {
  content: "";
  position: absolute;
  right: 14px;
  top: 50%;
  width: 9px;
  height: 9px;
  margin-top: -7px;
  border-right: 2px solid var(--ink-500);
  border-bottom: 2px solid var(--ink-500);
  transform: rotate(45deg);
  pointer-events: none;
}

select,
input[type="date"],
input[type="number"] {
  width: 100%;
  border: 1px solid #b9cde8;
  border-radius: 10px;
  padding: 10px 12px;
  font: inherit;
  color: var(--ink-900);
  background: #fff;
}

select {
  appearance: none;
  padding-right: 36px;
}

input:focus,
select:focus,
button:focus-visible,
a:focus-visible {
  outline: 3px solid #ffc74d;
  outline-offset: 1px;
}

input.field-error,
select.field-error {
  border-color: var(--danger-700);
  background: #fff9f9;
}

.inline-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}

.actions {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-top: 18px;
}

.result-panel {
  margin-top: 22px;
  border-top: 2px dashed #cadcf2;
  padding-top: 20px;
}

.result-statement {
  margin: 10px 0 18px;
  padding: 14px;
  border-radius: 12px;
  background: linear-gradient(145deg, #f3f8ff, #ebf3ff);
  border: 1px solid #c7dcf7;
  font-size: 1.08rem;
  font-weight: 600;
}

.result-grid {
  display: grid;
  gap: 14px;
  grid-template-columns: 1fr 1fr;
  margin-bottom: 14px;
}

.result-card {
  border: 1px solid #d0e0f4;
  border-radius: 12px;
  padding: 14px;
  background: #fff;
}

.list {
  margin: 10px 0 0;
  padding-left: 18px;
}

.list li + li {
  margin-top: 7px;
}

.summary {
  margin: 10px 0 0;
}

.summary div {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 8px;
  border-bottom: 1px solid #e2ecf8;
  padding: 7px 0;
}

.summary dt {
  color: var(--ink-700);
}

.summary dd {
  margin: 0;
  font-weight: 600;
}

.coverage-list {
  margin: 0;
  padding-left: 20px;
}

.coverage-list li + li {
  margin-top: 10px;
}

.content-section.muted {
  background: linear-gradient(180deg, #f8fbff 0%, #f2f8ff 100%);
  border-top: 1px solid #e1ebf7;
  border-bottom: 1px solid #e1ebf7;
}

details {
  border: 1px solid #d4e2f3;
  border-radius: 12px;
  padding: 12px 14px;
  background: #fff;
}

details + details {
  margin-top: 10px;
}

summary {
  cursor: pointer;
  font-weight: 700;
}

details p {
  margin: 10px 0 0;
  color: var(--ink-700);
}

.site-footer {
  border-top: 1px solid #dae7f8;
  padding: 26px 0;
}

.footer-inner {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  flex-wrap: wrap;
  color: var(--ink-700);
}

.footer-inner p {
  margin: 0;
}

.footer-contact {
  display: inline-flex;
  align-items: center;
}

.footer-email-icon {
  width: 38px;
  height: 38px;
  border: 1px solid #c7d8ee;
  border-radius: 999px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: var(--ink-700);
  text-decoration: none;
  background: #fff;
  transition: border-color 0.2s ease, color 0.2s ease, background 0.2s ease;
}

.footer-email-icon:hover {
  border-color: var(--sky-500);
  color: var(--sky-700);
  background: #f3f8ff;
}

.footer-copy {
  width: 100%;
  padding-top: 4px;
}

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

code {
  font-family: "IBM Plex Mono", monospace;
  font-size: 0.92em;
  background: #eef4ff;
  border: 1px solid #d7e4f8;
  border-radius: 6px;
  padding: 1px 5px;
}

@media (max-width: 900px) {
  .result-grid,
  .inline-grid {
    grid-template-columns: 1fr;
  }

  .wizard-card {
    padding: 20px;
  }
}

@media (max-width: 700px) {
  .nav-links {
    display: none;
  }

  .hero {
    padding-top: 52px;
  }

  .actions {
    flex-direction: column;
    align-items: stretch;
  }

  .btn {
    width: 100%;
    text-align: center;
    justify-content: center;
  }
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  * {
    animation: none !important;
    transition: none !important;
  }
}