/* PlanMetrics theme — navy #0B2447 + teal #14B8A6, system fonts, no frameworks */
:root{
  --navy:#0B2447;
  --navy-dark:#071a33;
  --teal:#14B8A6;
  --teal-dark:#0e9384;
  --ink:#1f2a3a;
  --muted:#5b6b7f;
  --bg:#ffffff;
  --bg-alt:#f4f7fa;
  --border:#e2e8f0;
  --radius:12px;
  --shadow:0 4px 18px rgba(11,36,71,.08);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px}
img{max-width:100%;height:auto;display:block}
a{color:var(--teal-dark);text-decoration:none}
a:hover{text-decoration:underline}
.container{max-width:1140px;margin:0 auto;padding:0 20px}
.container.narrow{max-width:780px}

/* Header */
.site-header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:50;box-shadow:0 2px 10px rgba(0,0,0,.15)}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:64px}
.logo{font-size:1.5rem;font-weight:800;color:#fff;letter-spacing:-.5px}
.logo span{color:var(--teal)}
.logo:hover{text-decoration:none}
.main-nav{display:flex;gap:6px}
.main-nav a{color:#dbe7f3;padding:10px 14px;border-radius:8px;font-weight:600;font-size:.95rem}
.main-nav a:hover{background:rgba(255,255,255,.08);color:#fff;text-decoration:none}
.main-nav a.active{background:var(--teal);color:#fff}
.nav-toggle{display:none;background:none;border:1px solid rgba(255,255,255,.3);color:#fff;font-size:1.3rem;border-radius:8px;padding:6px 12px;cursor:pointer}

/* Hero */
.hero{background:linear-gradient(135deg,var(--navy) 0%,#133a6b 60%,#155e75 100%);color:#fff;padding:72px 0;text-align:center}
.hero h1{font-size:2.6rem;letter-spacing:-1px;margin-bottom:12px}
.hero-sub{max-width:640px;margin:0 auto 28px;color:#c9d8e8;font-size:1.1rem}
.hero-cta{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}

/* Buttons */
.btn{display:inline-block;padding:12px 26px;border-radius:10px;font-weight:700;font-size:1rem;border:2px solid transparent;cursor:pointer;transition:transform .12s ease,box-shadow .12s ease}
.btn:hover{text-decoration:none;transform:translateY(-1px)}
.btn-primary{background:var(--teal);color:#fff;box-shadow:0 4px 14px rgba(20,184,166,.35)}
.btn-primary:hover{background:var(--teal-dark);color:#fff}
.btn-outline{border-color:#fff;color:#fff}
.btn-outline:hover{background:rgba(255,255,255,.12);color:#fff}
.btn-light{background:#fff;color:var(--navy)}
.btn-light:hover{background:#eef4f8;color:var(--navy)}

/* Sections */
.section{padding:56px 0}
.section-alt{background:var(--bg-alt)}
.section-head{display:flex;align-items:center;justify-content:space-between;margin-bottom:26px;gap:12px;flex-wrap:wrap}
.section-head h2{font-size:1.7rem;letter-spacing:-.5px;color:var(--navy)}
.link-more{font-weight:700;white-space:nowrap}

/* Cards */
.card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.calc-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow);transition:transform .15s ease,box-shadow .15s ease;display:block;color:var(--ink)}
.calc-card:hover{transform:translateY(-4px);box-shadow:0 10px 26px rgba(11,36,71,.14);text-decoration:none}
.calc-icon{font-size:2.4rem;margin-bottom:12px}
.calc-icon-lg{font-size:3.2rem}
.calc-card h3{font-size:1.15rem;color:var(--navy);margin-bottom:8px}
.calc-card p{color:var(--muted);font-size:.95rem;margin-bottom:12px}
.card-cta{color:var(--teal-dark);font-weight:700;font-size:.95rem}

.post-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);display:block;color:var(--ink);transition:transform .15s ease}
.post-card:hover{transform:translateY(-4px);text-decoration:none}
.post-card img{width:100%;height:180px;object-fit:cover}
.post-card-ph{height:180px;display:flex;align-items:center;justify-content:center;font-size:3rem;background:linear-gradient(135deg,var(--navy),#155e75)}
.post-card-body{padding:18px}
.post-card-body h3{font-size:1.08rem;color:var(--navy);margin:8px 0}
.post-card-body p{color:var(--muted);font-size:.92rem}
.badge{display:inline-block;background:#e6f7f4;color:var(--teal-dark);font-size:.75rem;font-weight:700;padding:3px 10px;border-radius:20px;text-transform:uppercase;letter-spacing:.5px}
.post-meta{display:block;margin-top:10px;color:var(--muted);font-size:.85rem}
.post-meta-lg{font-size:.95rem;margin-bottom:20px}

.empty-note{background:#fff;border:1px dashed var(--border);border-radius:var(--radius);padding:28px;text-align:center;color:var(--muted)}

/* Chips */
.chip-row{display:flex;flex-wrap:wrap;gap:12px}
.chip{background:#fff;border:1px solid var(--border);border-radius:30px;padding:10px 22px;font-weight:600;color:var(--navy);box-shadow:var(--shadow)}
.chip:hover{border-color:var(--teal);color:var(--teal-dark);text-decoration:none}

/* CTA banner */
.cta-banner{background:linear-gradient(135deg,var(--teal) 0%,var(--teal-dark) 100%);color:#fff;padding:56px 0;text-align:center}
.cta-banner h2{font-size:1.9rem;margin-bottom:10px}
.cta-banner p{margin-bottom:24px;color:#e6fffa}

/* Page hero */
.page-hero{background:linear-gradient(135deg,var(--navy) 0%,#133a6b 100%);color:#fff;padding:52px 0;text-align:center}
.page-hero h1{font-size:2.1rem;letter-spacing:-.5px;margin-bottom:10px}
.page-hero p{color:#c9d8e8;max-width:640px;margin:0 auto}

/* Article */
.breadcrumb{font-size:.9rem;color:var(--muted);margin-bottom:18px}
.breadcrumb a{color:var(--teal-dark)}
.breadcrumb-light a{color:#9fd8d0}
.post-title{font-size:2.2rem;line-height:1.25;color:var(--navy);letter-spacing:-.5px;margin-bottom:10px}
.post-hero-img{border-radius:var(--radius);margin-bottom:26px;width:100%;max-height:440px;object-fit:cover}
.prose{font-size:1.06rem}
.prose h2{color:var(--navy);font-size:1.5rem;margin:1.6em 0 .6em}
.prose h3{color:var(--navy);font-size:1.25rem;margin:1.4em 0 .5em}
.prose p{margin-bottom:1.1em}
.prose ul,.prose ol{margin:0 0 1.1em 1.4em}
.prose li{margin-bottom:.4em}
.prose img{border-radius:8px;margin:1em 0}
.prose table{border-collapse:collapse;width:100%;margin-bottom:1.2em}
.prose th,.prose td{border:1px solid var(--border);padding:10px;text-align:left}
.prose th{background:var(--bg-alt)}
.related{margin-top:48px}
.related h2{color:var(--navy);margin-bottom:18px}

/* Tool shell (calculator placeholder) */
.tool-shell{background:var(--bg-alt);border:2px dashed var(--border);border-radius:var(--radius);padding:40px 28px;margin-bottom:32px;text-align:center}

/* Forms */
.contact-form label{display:block;font-weight:600;margin-bottom:16px;color:var(--navy)}
.contact-form input,.contact-form textarea{width:100%;margin-top:6px;padding:12px 14px;border:1px solid var(--border);border-radius:8px;font-size:1rem;font-family:inherit}
.contact-form input:focus,.contact-form textarea:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 3px rgba(20,184,166,.15)}
.alert{padding:14px 18px;border-radius:10px;margin-bottom:18px;font-weight:600}
.alert-success{background:#e6f7f4;color:#0b6e5f;border:1px solid #bfe9e2}
.alert-error{background:#fdecec;color:#b4232a;border:1px solid #f5c6c9}

/* Pagination */
.pagination{display:flex;align-items:center;justify-content:center;gap:18px;margin-top:36px;color:var(--muted)}
.pagination a{font-weight:700}

/* Footer */
.site-footer{background:var(--navy-dark);color:#b9c9dc;border-top:4px solid var(--teal)}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.2fr;gap:36px;padding:56px 0 40px}
.footer-col h4{color:#fff;margin-bottom:18px;font-size:1.02rem;letter-spacing:.3px;position:relative;padding-bottom:10px}
.footer-col h4::after{content:"";position:absolute;left:0;bottom:0;width:34px;height:3px;border-radius:2px;background:var(--teal)}
.footer-col h4 span{color:var(--teal)}
.footer-col ul{list-style:none}
.footer-col li{margin-bottom:10px}
.footer-col a{color:#b9c9dc;font-size:.94rem;transition:color .15s ease,padding-left .15s ease}
.footer-col a:hover{color:var(--teal);padding-left:5px;text-decoration:none}
.footer-col p{font-size:.93rem;line-height:1.7;color:#a9bcd2}
.footer-mail{display:inline-block;margin-top:14px;padding:9px 18px;border:1px solid rgba(20,184,166,.45);border-radius:9px;background:rgba(20,184,166,.1);color:#7deddd;font-weight:600;font-size:.9rem}
.footer-mail:hover{background:var(--teal);color:#fff;padding-left:18px;text-decoration:none}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding:20px 0}
.footer-bottom-inner{display:flex;align-items:center;justify-content:space-between;gap:10px;flex-wrap:wrap;font-size:.87rem;color:#8fa3ba}
.footer-legal{display:flex;gap:20px;flex-wrap:wrap}
.footer-legal a{color:#8fa3ba}
.footer-legal a:hover{color:var(--teal)}

/* Responsive */
@media (max-width:900px){
  .card-grid{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr}
  .hero h1{font-size:2rem}
}
@media (max-width:640px){
  body{font-size:16px}
  .card-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr;gap:28px;padding:44px 0 32px}
  .footer-bottom-inner{justify-content:center;text-align:center}
  .nav-toggle{display:block}
  .main-nav{display:none;flex-direction:column;position:absolute;top:64px;left:0;right:0;background:var(--navy);padding:12px 20px 20px;gap:2px}
  .main-nav.open{display:flex}
  .header-inner{position:relative}
  .hero{padding:52px 0}
  .post-title{font-size:1.7rem}
}

/* Hero illustration */
.hero-img{width:100%;max-width:860px;height:auto;margin:0 auto 28px;border-radius:var(--radius);box-shadow:0 12px 40px rgba(0,0,0,.25)}

/* ---------- Calculator tool ---------- */
.calc-tool{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:28px;margin-bottom:32px;text-align:left;box-shadow:var(--shadow)}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:20px}
.calc-field{display:flex;flex-direction:column}
.calc-field.full{grid-column:1/-1}
.calc-field label{font-weight:600;color:var(--navy);margin-bottom:6px;font-size:.95rem}
.calc-legend{font-weight:600;color:var(--navy);margin-bottom:8px;font-size:.95rem;display:block}
.calc-tool input[type=number],
.calc-tool input[type=text],
.calc-tool input[type=date],
.calc-tool input[type=time],
.calc-tool select,
.calc-tool textarea{width:100%;padding:11px 13px;border:1px solid var(--border);border-radius:8px;font-size:1rem;font-family:inherit;color:var(--ink);background:#fff}
.calc-tool input:focus,.calc-tool select:focus,.calc-tool textarea:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 3px rgba(20,184,166,.15)}
.calc-tool textarea{resize:vertical;font-family:ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;font-size:.92rem;line-height:1.5}
.calc-run{margin-bottom:6px}
.calc-checks{display:flex;flex-wrap:wrap;gap:10px 18px}
.calc-check{display:flex;align-items:center;gap:8px;font-weight:500;color:var(--ink);cursor:pointer;font-size:.95rem}
.calc-check input{width:18px;height:18px;accent-color:var(--teal);cursor:pointer}
.calc-w{color:var(--muted);font-size:.85rem}
.calc-output{margin-top:20px}
.calc-results{overflow-x:auto;margin-bottom:18px}
.calc-results table{width:100%;border-collapse:collapse;font-size:.97rem}
.calc-results th,.calc-results td{border:1px solid var(--border);padding:10px 12px;text-align:left;vertical-align:top}
.calc-results thead th{background:var(--navy);color:#fff;font-weight:700}
.calc-results tbody tr:nth-child(even){background:var(--bg-alt)}
.calc-total{display:flex;align-items:center;justify-content:space-between;gap:12px;background:#e6f7f4;border:1px solid #bfe9e2;border-left:5px solid var(--teal);border-radius:10px;padding:14px 18px;margin:12px 0;font-size:1.05rem;color:var(--navy)}
.calc-total strong{font-size:1.25rem;white-space:nowrap}
.calc-error{background:#fdecec;color:#b4232a;border:1px solid #f5c6c9;padding:12px 16px;border-radius:8px;margin:14px 0;font-weight:600}
.calc-hint{color:var(--muted);font-size:.9rem;margin:10px 0}
.calc-sub{color:var(--navy);font-size:1.1rem;margin:20px 0 10px}
.calc-list{margin:0 0 12px 1.4em;color:var(--ink)}
.calc-list li{margin-bottom:6px}
.calc-tag{display:inline-block;background:#e6f7f4;color:var(--teal-dark);font-size:.72rem;font-weight:700;padding:2px 8px;border-radius:12px;text-transform:uppercase;letter-spacing:.4px;margin-left:6px;vertical-align:middle}

/* Related guide box */
.guide-box{display:flex;gap:16px;align-items:flex-start;background:var(--bg-alt);border:1px solid var(--border);border-radius:var(--radius);padding:22px;margin:32px 0}
.guide-box-icon{font-size:2rem;line-height:1}
.guide-box h3{color:var(--navy);margin-bottom:6px;font-size:1.1rem}
.guide-box p{margin:0;color:var(--muted);font-size:.97rem}
.back-link{margin-top:8px}

@media (max-width:640px){
  .calc-tool{padding:20px 16px}
  .calc-grid{grid-template-columns:1fr}
  .calc-total{flex-direction:column;align-items:flex-start;gap:4px}
  .calc-results table{font-size:.88rem}
  .calc-results th,.calc-results td{padding:8px}
  .guide-box{flex-direction:column;gap:8px}
}