:root {
  --stage-bg: #e7e2d4;
  --header-bg: #f1ece0;
  --navy: #10202f;
  --navy-deep: #0b1620;
  --navy-light: #1c3346;
  --navy-input: #182a3c;
  --navy-border: rgba(255,255,255,0.14);
  --gold: #c9982f;
  --gold-light: #e2b862;
  --cream: #ece3cd;
  --cream-input: #f7f2e5;
  --cream-border: #d9caa0;
  --ink: #17263a;
  --ink-muted: #8b8168;
  --cream-text: #f2ede0;
  --cream-text-muted: #93a2ae;
  --red: #b13636;
  --red-light: #fdf2f2;
  --green: #3f9d64;
}
* { box-sizing: border-box; }
html, body { margin: 0; }
body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, "Segoe UI", Helvetica, Arial, sans-serif;
  background: var(--stage-bg);
  color: var(--ink);
  line-height: 1.45;
}
h1, h2, .serif { font-family: 'Playfair Display', Georgia, serif; }

/* ---- Top brand bar ---- */
.brand-bar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
  padding: 20px 40px;
  background: var(--header-bg);
  border-bottom: 1px solid var(--cream-border);
}
.brand-left { display: flex; align-items: center; gap: 12px; }
.logo-mark {
  width: 34px;
  height: 34px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--gold);
  font-family: 'Playfair Display', serif;
  font-weight: 800;
  font-size: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.logo-text .word {
  font-family: 'Playfair Display', serif;
  font-weight: 700;
  font-size: 19px;
  letter-spacing: 0.3px;
  color: var(--navy);
}

/* ---- Stage (outer textured background holding the card) ---- */
.stage {
  padding: 44px 32px 60px;
  background-image: radial-gradient(rgba(16,32,47,0.035) 1px, transparent 1px);
  background-size: 4px 4px;
}
.card-shell {
  max-width: 1400px;
  margin: 0 auto;
  border-radius: 20px;
  overflow: hidden;
  box-shadow: 0 24px 60px -14px rgba(16,32,47,0.28), 0 2px 10px rgba(16,32,47,0.08);
}

/* ---- Two-panel split ---- */
.two-panel {
  display: grid;
  grid-template-columns: 1fr 1fr;
  align-items: stretch;
}
@media (max-width: 900px) {
  .two-panel { grid-template-columns: 1fr; }
}
.panel { padding: 44px 52px 52px; }
@media (max-width: 560px) { .panel { padding: 32px 22px 40px; } }
.panel-cream { background: var(--cream); color: var(--ink); }
.panel-navy {
  background: linear-gradient(180deg, var(--navy) 0%, var(--navy-deep) 100%);
  color: var(--cream-text);
}
.panel-inner { max-width: 480px; }

.panel-head { display: flex; align-items: baseline; justify-content: space-between; gap: 12px; margin-bottom: 8px; }
.panel-head h1 { margin: 0; font-size: 30px; font-weight: 700; color: var(--navy); }

.eyebrow-line { display: flex; align-items: center; gap: 10px; margin-bottom: 14px; }
.eyebrow-line .dash { width: 22px; height: 1px; background: var(--gold); display: inline-block; }
.eyebrow-line .txt {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--gold);
}

.panel h2.panel-title {
  margin: 0 0 8px;
  font-size: 30px;
  font-weight: 700;
  color: var(--cream-text);
}
.panel-sub {
  margin: 0 0 6px;
  font-size: 13.5px;
  color: var(--ink-muted);
  max-width: 40ch;
}
.panel-navy .panel-sub { color: var(--cream-text-muted); }

.link-clear {
  background: none;
  border: none;
  font-family: inherit;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1.4px;
  text-transform: uppercase;
  color: var(--ink-muted);
  cursor: pointer;
  padding: 0;
  white-space: nowrap;
}
.link-clear:hover { color: var(--navy); }

/* ---- Field groups (divider-separated) ---- */
.field-group {
  padding: 22px 0;
  border-bottom: 1px solid var(--cream-border);
}
.field-group:first-of-type { padding-top: 26px; }
.field-group.no-border { border-bottom: none; padding-bottom: 0; }
.field-group.last { border-bottom: none; }

.field-label-row { display: flex; align-items: baseline; justify-content: space-between; margin-bottom: 10px; gap: 10px; flex-wrap: wrap; }
.field-label { display: block; font-size: 14px; margin-bottom: 10px; color: var(--ink); }
.field-label strong { font-weight: 700; }
.field-label .desc { color: var(--ink-muted); font-weight: 400; font-size: 13px; }
.field-label-row .field-label { margin-bottom: 0; }
.live-value { color: var(--gold); font-weight: 700; font-family: 'IBM Plex Mono', monospace; font-size: 13px; white-space: nowrap; }

label.simple-label {
  display: block;
  font-size: 12.5px;
  font-weight: 600;
  color: var(--ink);
  margin: 0 0 6px;
}
.panel-navy label.simple-label {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1.2px;
  text-transform: uppercase;
  color: var(--gold-light);
  margin: 20px 0 8px;
}
.panel-navy label.simple-label:first-of-type { margin-top: 0; }

input[type="text"], input[type="number"], input[type="email"], input[type="tel"], select {
  width: 100%;
  padding: 11px 12px;
  font-size: 14px;
  font-family: inherit;
  border: 1px solid var(--cream-border);
  border-radius: 6px;
  background: var(--cream-input);
  color: var(--ink);
}
input[type="number"] { font-family: 'IBM Plex Mono', 'Inter', monospace; letter-spacing: 0.2px; }
input:focus, select:focus { outline: none; border-color: var(--gold); box-shadow: 0 0 0 3px rgba(201,152,47,0.22); }

.panel-navy input[type="text"], .panel-navy input[type="number"], .panel-navy input[type="email"], .panel-navy input[type="tel"], .panel-navy select {
  background: var(--navy-input);
  border: 1px solid var(--navy-border);
  color: var(--cream-text);
}
.panel-navy input::placeholder { color: rgba(233,236,239,0.35); }
input::placeholder { color: #b6ac8f; }

.dollar-input { position: relative; }
.dollar-input .prefix {
  position: absolute;
  left: 13px;
  top: 50%;
  transform: translateY(-50%);
  color: var(--ink-muted);
  font-family: 'IBM Plex Mono', monospace;
  font-size: 14px;
  pointer-events: none;
}
.panel-navy .dollar-input .prefix { color: var(--cream-text-muted); }
.dollar-input input { padding-left: 27px; }

.field-error input { border-color: var(--red) !important; }
.field-error-msg {
  display: none;
  font-size: 12px;
  color: var(--red);
  margin-top: 4px;
}
.panel-navy .field-error-msg { color: #ff9c9c; }
.field-error .field-error-msg { display: block; }

.row2 { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
@media (max-width: 560px) { .row2 { grid-template-columns: 1fr; } }

.hint { font-size: 11.5px; color: var(--ink-muted); margin-top: 6px; }
.panel-navy .hint { color: var(--cream-text-muted); }

.premium-mode-toggle { display: flex; gap: 8px; margin-bottom: 14px; }
.mode-btn {
  flex: 1;
  padding: 8px 10px;
  font-size: 12px;
  font-weight: 600;
  font-family: inherit;
  border: 1px solid var(--cream-border);
  background: var(--cream-input);
  color: var(--ink-muted);
  border-radius: 999px;
  cursor: pointer;
}
.mode-btn.active { background: var(--navy); color: var(--gold-light); border-color: var(--navy); }
.mode-btn:hover:not(.active) { border-color: var(--gold); color: var(--ink); }

.apply-all-row { display: flex; gap: 10px; margin-bottom: 12px; }
.apply-all-row .dollar-input { flex: 1; }
.apply-all-row button {
  white-space: nowrap;
  border-radius: 999px;
  padding: 0 16px;
  font-size: 12.5px;
  font-weight: 600;
  font-family: inherit;
  background: none;
  border: 1px solid var(--cream-border);
  color: var(--ink);
  cursor: pointer;
}
.apply-all-row button:hover { border-color: var(--gold); color: var(--navy); }

.yearly-grid { display: flex; flex-direction: column; gap: 8px; max-height: 300px; overflow-y: auto; padding-right: 4px; }
.yearly-row { display: flex; align-items: center; gap: 10px; }
.yearly-row .yr-label {
  width: 58px;
  flex-shrink: 0;
  font-size: 12.5px;
  font-weight: 600;
  color: var(--ink-muted);
  font-family: 'IBM Plex Mono', monospace;
}
.yearly-row .dollar-input { flex: 1; }
.yearly-row input { padding: 8px 10px 8px 25px; font-size: 13px; }
.yearly-row .dollar-input .prefix { font-size: 13px; left: 10px; }

.yearly-empty {
  border: 1px dashed var(--cream-border);
  border-radius: 8px;
  padding: 16px;
  text-align: center;
  font-size: 12.5px;
  font-style: italic;
  color: var(--ink-muted);
  background: rgba(255,255,255,0.3);
}

button.primary {
  width: 100%;
  background: var(--gold);
  color: var(--navy);
  border: none;
  padding: 16px 16px;
  font-size: 15px;
  font-weight: 700;
  font-family: inherit;
  border-radius: 999px;
  cursor: pointer;
  margin-top: 8px;
  transition: background 0.15s ease, transform 0.1s ease, box-shadow 0.2s ease;
}
button.primary:hover:not(:disabled) { background: var(--gold-light); box-shadow: 0 6px 18px -4px rgba(201,152,47,0.55); }
button.primary:active:not(:disabled) { transform: translateY(1px); }
button.primary:disabled { opacity: 0.75; cursor: progress; }
button.primary.is-loading { color: rgba(16,32,47,0.6); }

button.secondary {
  background: none;
  border: 1px solid var(--navy-border);
  color: var(--cream-text);
  padding: 9px 16px;
  font-size: 12.5px;
  font-weight: 600;
  font-family: inherit;
  border-radius: 999px;
  cursor: pointer;
  transition: border-color 0.15s ease, color 0.15s ease;
}
button.secondary:hover { border-color: var(--gold); color: var(--gold-light); }

.microcopy {
  font-size: 11.5px;
  color: var(--cream-text-muted);
  margin-top: 14px;
  text-align: center;
}

.back-link {
  display: inline-block;
  background: none;
  border: none;
  font-family: inherit;
  font-size: 12px;
  font-weight: 600;
  color: var(--gold-light);
  cursor: pointer;
  padding: 0;
  margin-bottom: 18px;
}
.back-link:hover { text-decoration: underline; }

#results {
  margin-top: 4px;
  display: none;
  opacity: 0;
  transform: translateY(10px);
}
#results.visible {
  opacity: 1;
  transform: translateY(0);
  transition: opacity 0.45s ease, transform 0.45s ease;
}

.stat-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-bottom: 14px; }
.stat {
  border: 1px solid var(--navy-border);
  border-radius: 8px;
  padding: 14px 16px;
  background: rgba(255,255,255,0.04);
}
.stat .label {
  font-size: 11px;
  font-weight: 600;
  color: var(--cream-text-muted);
  text-transform: uppercase;
  letter-spacing: 0.4px;
}
.stat .value { font-size: 21px; font-weight: 700; color: var(--cream-text); margin-top: 4px; font-family: 'Playfair Display', serif; }
.stat .value.negative { color: #ff9c9c; }
.stat .note { font-size: 11px; color: var(--cream-text-muted); margin-top: 4px; }

.price-range {
  border: 1px solid rgba(201,152,47,0.45);
  background: rgba(201,152,47,0.08);
  border-radius: 10px;
  padding: 18px 18px;
  margin-bottom: 14px;
}
.price-range .label {
  font-size: 11px;
  font-weight: 700;
  color: var(--gold-light);
  text-transform: uppercase;
  letter-spacing: 0.8px;
}
.price-range .band {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 10px;
  margin-top: 12px;
  text-align: center;
}
@media (max-width: 560px) { .price-range .band { grid-template-columns: 1fr; } }
.price-range .point { padding: 12px 8px; border-radius: 8px; background: rgba(255,255,255,0.04); border: 1px solid var(--navy-border); }
.price-range .point.center { background: var(--gold); border-color: var(--gold); }
.price-range .point .rate {
  font-size: 10.5px;
  font-weight: 600;
  opacity: 0.85;
  text-transform: uppercase;
  letter-spacing: 0.4px;
  color: var(--cream-text-muted);
}
.price-range .point .amt { font-size: 19px; font-weight: 800; margin-top: 3px; font-family: 'Playfair Display', serif; color: var(--cream-text); }
.price-range .point.center .rate { color: rgba(16,32,47,0.7); }
.price-range .point.center .amt { color: var(--navy); }
.price-range .note { font-size: 11px; color: var(--cream-text-muted); margin-top: 12px; }

.callout {
  background: rgba(201,152,47,0.1);
  border: 1px solid rgba(201,152,47,0.35);
  border-radius: 8px;
  padding: 13px 15px;
  font-size: 12px;
  color: var(--cream-text-muted);
  margin-top: 18px;
}
.callout strong { color: var(--gold-light); }

.actions { display: flex; gap: 10px; margin-top: 16px; flex-wrap: wrap; }

.disclaimer {
  font-size: 11px;
  color: var(--ink-muted);
  max-width: 1400px;
  margin: 22px auto 0;
  padding: 0 8px;
}

/* ---- Printable report (hidden on screen, shown only when printing) ---- */
#printReport { display: none; }

@media print {
  .brand-bar, .panel-cream, .actions, .callout, .disclaimer, .back-link,
  .panel-navy > .panel-inner > .eyebrow-line, .panel-navy h2.panel-title,
  #agentGate, #resultsSubtitle, #results > .price-range, #results > .stat-row { display: none !important; }
  body { background: #fff; color: #000; }
  .stage { padding: 0; background-image: none; }
  .card-shell { box-shadow: none; border-radius: 0; }
  .two-panel { display: block; }
  .panel-navy { background: #fff; padding: 0; }
  #results { display: block !important; opacity: 1 !important; transform: none !important; }
  #printReport { display: block !important; color: #1c2530; }
  .print-header {
    display: flex;
    align-items: center;
    gap: 14px;
    border-bottom: 3px solid var(--navy);
    padding-bottom: 14px;
    margin-bottom: 18px;
  }
  .print-header .logo-mark { width: 34px; height: 34px; font-size: 17px; }
  .print-header .word { color: var(--navy); font-size: 18px; font-weight: 800; font-family: 'Playfair Display', serif; }
  .print-header .tag { color: var(--gold); font-size: 10px; font-weight: 700; letter-spacing: 1.2px; }
  .print-meta { display: flex; justify-content: space-between; font-size: 11px; color: #5b6572; margin-bottom: 18px; }
  .print-section-title {
    font-size: 12px; font-weight: 700; color: var(--navy);
    text-transform: uppercase; letter-spacing: 0.4px;
    border-bottom: 1px solid #dde2e8; padding-bottom: 4px; margin: 18px 0 8px;
  }
  .print-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 4px 24px; font-size: 12.5px; color: #1c2530; }
  .print-grid .k { color: #5b6572; }
  .print-grid .v { font-weight: 600; text-align: right; }
  .print-price-summary {
    margin-top: 10px;
    padding: 18px 14px;
    text-align: center;
    border: 2px solid var(--navy);
    border-radius: 8px;
    background: var(--gold-light);
    color: var(--navy);
    font-size: 19px;
    font-weight: 800;
    font-family: 'Playfair Display', serif;
  }
  .print-disclaimer { margin-top: 26px; font-size: 10px; color: #5b6572; border-top: 1px solid #dde2e8; padding-top: 10px; line-height: 1.5; }
  .print-footer { margin-top: 14px; font-size: 10.5px; color: #5b6572; }
}