:root{--navy:#0f172a;--blue:#2563eb;--blue2:#1d4ed8;--emerald:#16a34a;--amber:#f59e0b;--red:#dc2626;--bg:#f8fafc;--card:#fff;--text:#111827;--muted:#64748b;--line:#e2e8f0;--shadow:0 8px 24px rgba(15,23,42,.08);--radius:16px;--radius-sm:12px;--max:1200px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;background:var(--bg);color:var(--text);line-height:1.55}a{color:inherit;text-decoration:none}button,input,select{font:inherit}.container{width:min(var(--max),calc(100% - 32px));margin:auto}.site-header{position:sticky;top:0;z-index:50;background:rgba(248,250,252,.92);backdrop-filter:blur(16px);border-bottom:1px solid rgba(226,232,240,.8)}.nav{height:72px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{display:flex;align-items:center;gap:11px;font-weight:800;color:var(--navy);letter-spacing:-.02em}.brand-mark{width:38px;height:38px;border-radius:50%;display:grid;place-items:center;background:linear-gradient(135deg,var(--blue),#60a5fa);box-shadow:0 6px 18px rgba(37,99,235,.24);color:#fff}.nav-links{display:flex;gap:24px;color:#475569;font-weight:650;font-size:14px}.nav-cta{padding:11px 16px;border-radius:12px;background:var(--navy);color:#fff;font-weight:750}.hero{padding:84px 0 60px;background:radial-gradient(circle at 80% 20%,rgba(37,99,235,.14),transparent 28%),linear-gradient(180deg,#fff 0%,#f8fafc 100%)}.eyebrow{display:inline-flex;align-items:center;gap:8px;padding:8px 12px;border:1px solid #bfdbfe;background:#eff6ff;border-radius:999px;color:#1d4ed8;font-weight:800;font-size:13px}.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center}.hero h1{font-size:clamp(46px,7vw,78px);line-height:.98;letter-spacing:-.055em;margin:22px 0;color:var(--navy)}.hero p{font-size:20px;color:#475569;max-width:640px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}.btn{border:0;cursor:pointer;padding:14px 20px;border-radius:12px;font-weight:800;display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:50px}.btn-primary{background:var(--blue);color:#fff;box-shadow:0 10px 22px rgba(37,99,235,.22)}.btn-primary:hover{background:var(--blue2)}.btn-secondary{background:#fff;border:1px solid var(--line);color:var(--navy)}.hero-panel,.card{background:var(--card);border:1px solid rgba(226,232,240,.85);border-radius:var(--radius);box-shadow:var(--shadow)}.hero-panel{padding:24px;transform:rotate(1.2deg)}.mock-chart{height:190px;border-radius:14px;background:linear-gradient(180deg,#eff6ff,#fff);position:relative;overflow:hidden;margin:18px 0}.mock-chart svg{width:100%;height:100%}.metric-row{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}.mini-metric{padding:14px;background:#f8fafc;border-radius:12px}.mini-metric b{display:block;font-size:20px;color:var(--navy)}.trust-row{display:flex;gap:14px;flex-wrap:wrap;margin-top:26px;color:#475569;font-size:14px;font-weight:700}.trust-row span{display:flex;align-items:center;gap:6px}.section{padding:72px 0}.section-title{max-width:720px;margin-bottom:30px}.section-title h2{font-size:clamp(34px,5vw,50px);letter-spacing:-.04em;line-height:1.05;margin:0 0 12px;color:var(--navy)}.section-title p{font-size:18px;color:var(--muted);margin:0}.tool-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.tool-card{padding:24px;display:flex;flex-direction:column;min-height:210px;transition:.2s transform,.2s box-shadow}.tool-card:hover{transform:translateY(-4px);box-shadow:0 14px 34px rgba(15,23,42,.12)}.icon{width:46px;height:46px;border-radius:14px;background:#eff6ff;display:grid;place-items:center;color:var(--blue);font-size:22px}.tool-card h3{margin:18px 0 6px;font-size:21px;color:var(--navy)}.tool-card p{margin:0;color:var(--muted);font-size:15px}.tool-card .link{margin-top:auto;padding-top:20px;color:var(--blue);font-weight:800}.goal-band{background:var(--navy);color:#fff;border-radius:28px;padding:46px;display:grid;grid-template-columns:1fr auto;align-items:center;gap:30px}.goal-band h2{font-size:38px;line-height:1.05;margin:0 0 12px;letter-spacing:-.04em}.goal-band p{color:#cbd5e1;margin:0;max-width:660px}.site-footer{padding:44px 0;border-top:1px solid var(--line);color:var(--muted)}.footer-grid{display:flex;justify-content:space-between;gap:24px;align-items:center}.calculator-hero{padding:60px 0 30px}.breadcrumb{font-size:14px;color:var(--muted);margin-bottom:14px}.calculator-hero h1{font-size:clamp(38px,6vw,60px);line-height:1;letter-spacing:-.045em;margin:0 0 14px;color:var(--navy)}.calculator-hero p{font-size:18px;color:var(--muted);max-width:760px}.calc-layout{display:grid;grid-template-columns:minmax(0,1fr) minmax(320px,.82fr);gap:24px;align-items:start;padding-bottom:28px}.calc-card{padding:28px}.calc-card h2{margin:0 0 22px;color:var(--navy);font-size:24px}.field-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}.field{display:flex;flex-direction:column;gap:7px}.field.full{grid-column:1/-1}.field label{font-size:14px;font-weight:750;color:#334155}.input-wrap{display:flex;align-items:center;border:1px solid #cbd5e1;border-radius:12px;background:#fff;overflow:hidden;min-height:54px;transition:.15s}.input-wrap:focus-within{border-color:var(--blue);box-shadow:0 0 0 4px rgba(37,99,235,.1)}.prefix,.suffix{padding:0 13px;color:var(--muted);font-weight:700}.input-wrap input,.input-wrap select{width:100%;border:0;outline:0;padding:14px 12px;background:transparent;color:var(--navy);font-weight:700}.calc-actions{display:flex;gap:10px;margin-top:22px}.result-card{padding:28px;background:linear-gradient(145deg,var(--navy),#172554);color:#fff;position:sticky;top:94px}.result-label{color:#bfdbfe;font-weight:750;font-size:14px}.result-number{font-size:clamp(38px,6vw,60px);letter-spacing:-.05em;line-height:1;margin:10px 0 18px;font-weight:850}.result-sub{color:#cbd5e1}.summary-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:24px}.summary{padding:14px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.09);border-radius:12px}.summary span{display:block;color:#cbd5e1;font-size:12px}.summary b{display:block;font-size:18px;margin-top:4px}.chart-card,.content-card{padding:28px;margin-top:24px}.chart-wrap{height:320px}.chart-wrap canvas{width:100%;height:100%}.insight-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:18px}.insight{padding:18px;background:#f8fafc;border:1px solid var(--line);border-radius:14px}.insight span{display:block;color:var(--muted);font-size:13px}.insight b{font-size:20px;color:var(--navy)}.disclaimer{margin:22px 0 0;padding:14px 16px;border-left:4px solid var(--amber);background:#fffbeb;color:#78350f;border-radius:8px;font-size:14px}.faq details{border-top:1px solid var(--line);padding:16px 0}.faq summary{cursor:pointer;font-weight:800;color:var(--navy)}.faq p{color:var(--muted)}.related{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.related a{padding:18px;border:1px solid var(--line);border-radius:14px;background:#fff;font-weight:800;color:var(--navy)}.ad-slot{margin:24px 0;padding:18px;border:1px dashed #cbd5e1;border-radius:14px;text-align:center;color:#94a3b8;font-size:12px;background:#fff}.debt-row{display:grid;grid-template-columns:1.1fr 1fr .8fr .9fr auto;gap:8px;margin-bottom:8px}.debt-row input{min-width:0}.remove-row{border:0;background:#fee2e2;color:#991b1b;border-radius:10px;font-weight:800;cursor:pointer}.dark body{background:#020617;color:#e2e8f0}
@media(max-width:900px){.nav-links{display:none}.hero-grid,.calc-layout{grid-template-columns:1fr}.hero-panel{transform:none}.tool-grid{grid-template-columns:1fr 1fr}.result-card{position:relative;top:auto}.goal-band{grid-template-columns:1fr}.field-grid{grid-template-columns:1fr}.related{grid-template-columns:1fr}.insight-grid{grid-template-columns:1fr}.debt-row{grid-template-columns:1fr 1fr}.debt-row .remove-row{grid-column:1/-1;min-height:42px}}@media(max-width:620px){.container{width:min(100% - 20px,var(--max))}.hero{padding-top:54px}.tool-grid{grid-template-columns:1fr}.metric-row{grid-template-columns:1fr}.footer-grid{flex-direction:column;align-items:flex-start}.calc-card,.result-card,.chart-card,.content-card{padding:20px}.calc-actions{position:sticky;bottom:10px;z-index:20}.calc-actions .btn-primary{flex:1}.summary-grid{grid-template-columns:1fr}.goal-band{padding:30px}.nav{height:64px}}

/* MillionaireCompass Pro v2 enhancements */
:root{--glass:rgba(255,255,255,.82)}
::selection{background:#bfdbfe;color:#0f172a}
body{background:
 radial-gradient(circle at 90% 0%,rgba(37,99,235,.10),transparent 30rem),
 radial-gradient(circle at 0% 38%,rgba(22,163,74,.06),transparent 26rem),
 var(--bg)}
.site-header{box-shadow:0 1px 0 rgba(15,23,42,.03)}
.brand-mark{font-size:0;position:relative}
.brand-mark:after{content:"";width:16px;height:16px;border:2px solid white;border-radius:50%;display:block;box-shadow:inset 0 0 0 3px rgba(255,255,255,.25)}
.brand-mark:before{content:"";position:absolute;width:2px;height:11px;background:white;transform:rotate(40deg);border-radius:2px}
.hero-panel,.card{background:var(--glass);backdrop-filter:blur(18px)}
.hero-panel{transform:none;box-shadow:0 28px 70px rgba(15,23,42,.12)}
.hero-panel:before{content:"Live projection";position:absolute;right:22px;top:18px;padding:5px 9px;border-radius:999px;background:#dcfce7;color:#15803d;font-size:11px;font-weight:800}
.hero-panel{position:relative}
.tool-card{overflow:hidden;position:relative}
.tool-card:after{content:"";position:absolute;width:110px;height:110px;border-radius:50%;right:-55px;bottom:-55px;background:rgba(37,99,235,.05)}
.calc-card,.result-card,.chart-card,.content-card{box-shadow:0 16px 48px rgba(15,23,42,.07)}
.result-card{background:linear-gradient(145deg,#0f172a,#172554);color:#fff;border-color:transparent}
.result-card .result-label,.result-card .result-sub{color:#cbd5e1}
.result-card .result-number{color:#fff}
.result-card .summary-item{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.12)}
.result-card .summary-item span{color:#cbd5e1}
.result-card .summary-item b{color:#fff}
.input-wrap:focus-within{border-color:#60a5fa;box-shadow:0 0 0 4px rgba(37,99,235,.1)}
.btn,.nav-cta,.tool-card,.related a{transition:transform .18s ease,box-shadow .18s ease,background .18s ease}
.btn:hover,.nav-cta:hover{transform:translateY(-2px)}
.ad-slot{border-style:dashed;background:linear-gradient(90deg,#f8fafc,#fff,#f8fafc)}
.legal-page{max-width:840px;padding:72px 0}
.legal-page h1{font-size:clamp(40px,7vw,64px);letter-spacing:-.05em;line-height:1;margin:0 0 18px;color:var(--navy)}
.legal-page h2{margin-top:42px;color:var(--navy)}
.legal-page p,.legal-page li{color:#475569}
.mobile-note{display:none}
@media(max-width:760px){
 .nav{height:64px}.nav-cta{display:inline-flex;font-size:12px;padding:9px 11px}.brand{font-size:14px}.brand-mark{width:32px;height:32px}
 .hero{padding:58px 0 42px}.hero-grid{gap:36px}.hero h1{font-size:clamp(42px,15vw,64px)}.hero p{font-size:17px}
 .hero-actions .btn{width:100%}.hero-panel{padding:18px}.metric-row{grid-template-columns:1fr}.tool-grid{grid-template-columns:1fr}
 .calc-layout{grid-template-columns:1fr}.field-grid{grid-template-columns:1fr}.field.full{grid-column:auto}.calc-actions{position:sticky;bottom:10px;z-index:10;background:rgba(255,255,255,.94);padding:10px;border-radius:14px;box-shadow:0 12px 34px rgba(15,23,42,.14)}
 .footer-grid{grid-template-columns:1fr;gap:18px}.goal-band{padding:30px 22px}
}

/* Money Insights */
.money-insights{margin-top:28px;padding-top:26px;border-top:1px solid var(--line)}
.money-insights-heading{max-width:680px;margin-bottom:16px}
.money-insights-heading h2{margin:5px 0 6px;font-size:25px;color:var(--navy);letter-spacing:-.025em}
.money-insights-heading p{margin:0;color:var(--muted);font-size:14px}
.money-insights-kicker{display:inline-block;color:var(--blue);font-size:12px;font-weight:850;letter-spacing:.12em;text-transform:uppercase}
.money-insight-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.money-insight{position:relative;min-height:160px;padding:20px;background:linear-gradient(145deg,#f8fafc,#fff);border:1px solid var(--line);border-radius:16px}
.money-insight-number{display:inline-grid;width:34px;height:34px;place-items:center;margin-bottom:15px;border-radius:10px;background:#eff6ff;color:var(--blue);font-size:12px;font-weight:900}
.money-insight p{margin:0;color:#475569;font-size:15px;line-height:1.6}
.money-insight strong{color:var(--navy);font-weight:850}
@media(max-width:900px){.money-insight-grid{grid-template-columns:1fr}.money-insight{min-height:0}}