:root{--bg:#f8faf9;--surface:#fff;--surface2:#ecfdf5;--text:#0f172a;--muted:#475569;--brand:#0f766e;--brand2:#14b8a6;--accent:#f59e0b;--line:#d8e5e0;--danger:#b91c1c;--radius:22px;--shadow:0 20px 50px rgba(15,23,42,.09)}@media(prefers-color-scheme:dark){:root{--bg:#071311;--surface:#0d1f1c;--surface2:#12352f;--text:#ecfdf5;--muted:#b6c9c3;--line:#21463f;--shadow:0 20px 50px rgba(0,0,0,.35)}}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;background:radial-gradient(circle at top left,rgba(20,184,166,.16),transparent 32rem),var(--bg);color:var(--text);line-height:1.6}.container{width:min(1180px,calc(100% - 32px));margin-inline:auto}.skip-link{position:absolute;left:-999px;top:8px;background:var(--text);color:var(--surface);padding:.75rem 1rem;border-radius:10px;z-index:9}.skip-link:focus{left:8px}.site-header{position:sticky;top:0;z-index:5;background:color-mix(in srgb,var(--surface) 88%,transparent);backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}.nav-wrap{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:76px}.brand{display:flex;align-items:center;gap:.65rem;font-weight:900;font-size:1.35rem;color:var(--text);text-decoration:none}.brand-mark{display:grid;place-items:center;width:42px;height:42px;border-radius:14px;background:linear-gradient(135deg,var(--brand),var(--brand2));color:#fff;box-shadow:var(--shadow)}.primary-nav{display:flex;gap:.25rem;align-items:center;flex-wrap:wrap}.primary-nav a{color:var(--muted);text-decoration:none;font-weight:750;padding:.65rem .75rem;border-radius:999px}.primary-nav a:hover,.primary-nav a:focus{background:var(--surface2);color:var(--brand)}.nav-toggle{display:none;border:1px solid var(--line);background:var(--surface);color:var(--text);border-radius:999px;padding:.7rem 1rem;font-weight:800}.hero{padding:72px 0 48px}.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:36px;align-items:center}.eyebrow{display:inline-flex;gap:.5rem;align-items:center;padding:.4rem .75rem;border:1px solid var(--line);border-radius:999px;background:var(--surface2);color:var(--brand);font-weight:850}.hero h1,.page-hero h1{font-size:clamp(2.35rem,6vw,5.1rem);line-height:1.02;margin:.7rem 0 1rem;letter-spacing:-.06em}.lead{font-size:clamp(1.1rem,2vw,1.35rem);color:var(--muted);max-width:760px}.cta-row{display:flex;gap:.8rem;flex-wrap:wrap;margin-top:1.5rem}.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;min-height:48px;padding:.82rem 1.1rem;border-radius:999px;text-decoration:none;font-weight:900;border:1px solid transparent}.btn-primary{background:linear-gradient(135deg,var(--brand),var(--brand2));color:#fff}.btn-secondary{background:var(--surface);border-color:var(--line);color:var(--text)}.panel,.card,.tool-card,.result-box{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow)}.panel{padding:26px}.calc-preview{display:grid;gap:14px}.fake-input,.fake-output{padding:16px;border-radius:16px;background:var(--surface2);border:1px solid var(--line)}.fake-output strong{font-size:2rem;color:var(--brand)}.section{padding:54px 0}.section h2{font-size:clamp(1.8rem,3vw,3rem);line-height:1.08;margin:0 0 .75rem;letter-spacing:-.035em}.muted{color:var(--muted)}.grid{display:grid;gap:18px}.grid-3{grid-template-columns:repeat(3,1fr)}.grid-2{grid-template-columns:repeat(2,1fr)}.card,.tool-card{padding:22px}.tool-card{display:flex;flex-direction:column;gap:.55rem}.badge{display:inline-flex;width:max-content;padding:.25rem .55rem;border-radius:999px;background:var(--surface2);color:var(--brand);font-weight:850;font-size:.82rem}.tool-card h3,.card h3{margin:.25rem 0;font-size:1.25rem}.tool-card a,.text-link{color:var(--brand);font-weight:900}.page-hero{padding:54px 0 24px}.breadcrumbs{font-size:.92rem;color:var(--muted)}.breadcrumbs a{color:var(--brand)}.calculator{display:grid;grid-template-columns:.95fr 1.05fr;gap:24px;align-items:start}.form-grid{display:grid;gap:14px}label{font-weight:850}input,select,textarea{width:100%;min-height:48px;padding:.8rem 1rem;border:1px solid var(--line);border-radius:14px;background:var(--surface);color:var(--text);font:inherit}input:focus,select:focus,textarea:focus,button:focus,a:focus{outline:3px solid color-mix(in srgb,var(--brand2) 45%,transparent);outline-offset:2px}.result-box{padding:24px;position:sticky;top:98px}.result-number{font-size:clamp(2.2rem,5vw,4rem);font-weight:950;color:var(--brand);line-height:1}.breakdown{display:grid;gap:10px;margin-top:16px}.breakdown div{display:flex;justify-content:space-between;padding:10px 0;border-bottom:1px solid var(--line)}.info-list{display:grid;gap:12px;padding-left:1.2rem}.faq details{background:var(--surface);border:1px solid var(--line);border-radius:16px;padding:16px}.faq summary{font-weight:900;cursor:pointer}.table-wrap{overflow:auto;border:1px solid var(--line);border-radius:18px}table{width:100%;border-collapse:collapse;background:var(--surface)}th,td{text-align:left;padding:14px;border-bottom:1px solid var(--line)}th{background:var(--surface2)}.smartteller-cta{background:linear-gradient(135deg,var(--brand),#064e3b);color:#fff;border-radius:28px;padding:30px;display:grid;grid-template-columns:1fr auto;gap:18px;align-items:center}.smartteller-cta p{color:#dcfce7}.smartteller-cta .btn{background:#fff;color:#064e3b}.site-footer{margin-top:50px;padding:44px 0;background:#061411;color:#d7fff5}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:22px}.site-footer a{display:block;color:#d7fff5;text-decoration:none;margin:.35rem 0}.fineprint{border-top:1px solid rgba(255,255,255,.16);padding-top:20px;color:#b6c9c3}@media(max-width:860px){.nav-toggle{display:inline-flex}.primary-nav{display:none;position:absolute;left:16px;right:16px;top:76px;background:var(--surface);border:1px solid var(--line);border-radius:20px;padding:12px;box-shadow:var(--shadow)}.primary-nav.open{display:grid}.hero-grid,.calculator,.smartteller-cta{grid-template-columns:1fr}.grid-3,.grid-2,.footer-grid{grid-template-columns:1fr}.result-box{position:static}.hero{padding-top:42px}}@media(max-width:480px){.container{width:min(100% - 22px,1180px)}.hero h1,.page-hero h1{font-size:2.45rem}.btn{width:100%}.panel,.card,.tool-card{padding:18px}}

/* Premium audit additions */
.primary-nav a[aria-current="page"]{background:rgba(15,118,110,.12);color:var(--accent-strong);font-weight:800}.breadcrumbs{font-size:.95rem;color:var(--muted);margin-bottom:1rem}.breadcrumbs a{color:inherit}.quick-answer{border:1px solid var(--border);background:linear-gradient(135deg,rgba(15,118,110,.10),rgba(250,204,21,.10));border-radius:1.5rem;padding:1.5rem}.result-list{display:grid;gap:.6rem;margin:1rem 0}.result-list div{display:flex;justify-content:space-between;gap:1rem;border-top:1px solid var(--border);padding-top:.6rem}.result-list dt{color:var(--muted)}.result-list dd{margin:0;font-weight:800}.form-grid .wide{grid-column:1/-1}.form-grid textarea{width:100%;border:1px solid var(--border);border-radius:1rem;padding:.9rem;background:var(--surface);color:var(--text)}.grid-4{grid-template-columns:repeat(4,minmax(0,1fr))}.fineprint a{color:inherit}.facts-table{width:100%;border-collapse:collapse;background:var(--surface);border-radius:1rem;overflow:hidden}.facts-table caption{text-align:left;font-weight:800;margin-bottom:.75rem}.facts-table th,.facts-table td{border-bottom:1px solid var(--border);padding:.85rem;text-align:left}.facts-table th{background:rgba(15,118,110,.10)}:focus-visible{outline:3px solid #facc15;outline-offset:3px}.error-page{text-align:center;padding:6rem 0}.source-list li{margin-bottom:.65rem}@media (max-width:1000px){.grid-4{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (max-width:640px){.grid-4{grid-template-columns:1fr}.result-number{font-size:2rem}.calculator{grid-template-columns:1fr}.smartteller-cta{align-items:flex-start}}