/* === RESET & BASE === */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{--bg:#FFF8F0;--surface:#FFFFFF;--card:#FFFFFF;--border:#E7E5E4;--heading:#292524;--text:#57534E;--muted:#78716C;--accent:#F59E0B;--accent-dim:#D97706;--accent-surface:#FEF3C7;--accent-text:#B45309;--danger:#B91C1C;--good:#15803D;--white:#fff;--radius:12px;--shadow:0 4px 24px rgba(41,37,36,.08)}
html{scroll-behavior:smooth}
body{font-family:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Oxygen,sans-serif;background:var(--bg);color:var(--text);line-height:1.6;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4,h5,h6{color:var(--heading)}
a{color:var(--accent-dim);text-decoration:none;transition:color .2s}
a:hover{color:var(--accent-text)}
img{max-width:100%;display:block}

/* === LAYOUT === */
.container{max-width:1200px;margin:0 auto;padding:0 20px}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:24px}

/* === AD ZONES === */
.ad-zone{background:var(--surface);border:1px dashed var(--border);border-radius:var(--radius);display:flex;align-items:center;justify-content:center;color:var(--muted);font-size:.85rem;min-height:90px;margin:20px 0;text-align:center;padding:12px}
.ad-zone.header-ad{min-height:90px;margin:0 0 12px}
.ad-zone.sidebar-ad{min-height:250px}
.ad-zone.in-content{min-height:120px}

/* === HEADER === */
header{border-bottom:1px solid var(--border);padding:16px 0;position:sticky;top:0;z-index:100;backdrop-filter:blur(12px);background:rgba(255,248,240,.92)}
header .container{display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:12px}
.logo{font-size:1.4rem;font-weight:700;color:var(--heading)}
.logo span{color:var(--accent)}
nav{display:flex;gap:20px;align-items:center}
nav a{color:var(--muted);font-size:.95rem;font-weight:500;transition:color .2s}
nav a:hover,nav a.active{color:var(--accent-dim)}

/* === HERO === */
.hero{padding:60px 0 40px;text-align:center}
.hero h1{font-size:2.6rem;font-weight:800;line-height:1.2;margin-bottom:16px}
.hero h1 .hl{color:var(--accent)}
.hero p{font-size:1.15rem;color:var(--muted);max-width:680px;margin:0 auto 32px}
.badge{display:inline-block;background:var(--accent-surface);color:var(--accent-text);padding:6px 16px;border-radius:20px;font-size:.85rem;font-weight:600;margin-bottom:20px}

/* === CALCULATOR === */
.calc-section{padding:0 0 60px}
.calc-wrapper{display:grid;grid-template-columns:320px 1fr;gap:32px;align-items:start}
.calc-form{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:28px;position:sticky;top:90px;box-shadow:var(--shadow)}
.calc-form h2{font-size:1.2rem;margin-bottom:20px;color:var(--heading)}
.form-group{margin-bottom:18px}
.form-group label{display:block;font-size:.88rem;color:var(--muted);margin-bottom:6px;font-weight:500}
.form-group input,.form-group select{width:100%;padding:12px 14px;background:var(--surface);border:1px solid var(--border);border-radius:8px;color:var(--heading);font-size:1rem;transition:border-color .2s}
.form-group input:focus,.form-group select:focus{outline:none;border-color:var(--accent);box-shadow:0 0 0 3px rgba(245,158,11,.2)}
.form-group select option{background:var(--surface);color:var(--heading)}
.btn{width:100%;padding:14px;background:var(--accent);color:var(--white);font-size:1rem;font-weight:600;border:none;border-radius:12px;cursor:pointer;transition:all .2s;letter-spacing:.3px}
.btn:hover{background:var(--accent-dim);transform:translateY(-1px);box-shadow:0 4px 16px rgba(245,158,11,.35)}
.btn:active{transform:translateY(0)}

/* === RESULTS === */
.results-area{min-height:400px}
.results-placeholder{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:60px 28px;text-align:center;color:var(--muted)}
.results-placeholder svg{width:64px;height:64px;margin-bottom:16px;opacity:.4}
.comparison-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.result-card{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:28px;transition:border-color .3s;box-shadow:var(--shadow)}
.result-card:hover{border-color:var(--accent)}
.result-card.w2{border-top:3px solid #2563EB}
.result-card.se{border-top:3px solid var(--accent)}
.card-header{display:flex;align-items:center;justify-content:space-between;margin-bottom:20px}
.card-title{font-size:1.1rem;font-weight:700;color:var(--heading)}
.card-badge{font-size:.75rem;padding:4px 10px;border-radius:12px;font-weight:600}
.w2 .card-badge{background:#DBEAFE;color:#1D4ED8}
.se .card-badge{background:var(--accent-surface);color:var(--accent-text)}
.line-item{display:flex;justify-content:space-between;padding:10px 0;border-bottom:1px solid var(--border);font-size:.92rem}
.line-item:last-child{border-bottom:none}
.line-item .label{color:var(--muted)}
.line-item .value{font-weight:600;font-variant-numeric:tabular-nums;color:var(--heading)}
.line-item.total{border-top:2px solid var(--border);margin-top:8px;padding-top:14px;font-size:1.05rem}
.line-item.total .label{color:var(--heading);font-weight:700}
.line-item.total .value{color:var(--good);font-weight:800}
.line-item.negative .value,.line-item .value.negative{color:var(--danger)}
.line-item.total .value.negative{color:var(--danger)}

/* Summary bar */
.summary-bar{background:var(--accent-surface);border:1px solid #FDE68A;border-radius:var(--radius);padding:28px;margin-bottom:24px;text-align:center}
.summary-bar h3{font-size:1rem;color:var(--accent-text);margin-bottom:8px;font-weight:500}
.summary-bar .amount{font-size:2.2rem;font-weight:800;color:var(--accent-text)}
.summary-bar .sub{color:var(--accent-text);opacity:.85;font-size:.88rem;margin-top:6px}

/* Effective rates */
.rates-row{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-bottom:24px}
.rate-box{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:18px;text-align:center;box-shadow:var(--shadow)}
.rate-box .rate-val{font-size:1.6rem;font-weight:800;color:var(--accent-text)}
.rate-box .rate-label{font-size:.8rem;color:var(--muted);margin-top:4px}

/* === AFFILIATE === */
.affiliate-section{padding:40px 0;border-top:1px solid var(--border)}
.affiliate-section h2{text-align:center;margin-bottom:28px;font-size:1.4rem}
.affiliate-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.affiliate-card{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:24px;text-align:center;transition:all .25s;box-shadow:var(--shadow)}
.affiliate-card:hover{border-color:var(--accent);transform:translateY(-3px)}
.affiliate-card .aff-name{font-size:1.1rem;font-weight:700;margin-bottom:6px;color:var(--heading)}
.affiliate-card .aff-desc{font-size:.85rem;color:var(--muted);margin-bottom:16px}
.affiliate-card .aff-btn{display:inline-block;padding:10px 24px;background:var(--accent);color:var(--white);font-weight:600;border-radius:12px;font-size:.9rem;transition:all .2s}
.affiliate-card .aff-btn:hover{background:var(--accent-dim);color:var(--white)}
.affiliate-card .aff-rating{color:var(--accent);font-size:.9rem;margin-bottom:8px}

/* === FAQ === */
.faq-section{padding:60px 0;border-top:1px solid var(--border)}
.faq-section h2{text-align:center;margin-bottom:36px;font-size:1.6rem}
.faq-item{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);margin-bottom:12px;overflow:hidden}
.faq-q{padding:18px 24px;cursor:pointer;display:flex;justify-content:space-between;align-items:center;font-weight:600;font-size:.98rem;transition:background .2s;user-select:none;color:var(--heading)}
.faq-q:hover{background:var(--accent-surface)}
.faq-q::after{content:'+';font-size:1.4rem;color:var(--accent);transition:transform .3s}
.faq-item.open .faq-q::after{transform:rotate(45deg)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .35s ease,padding .35s ease;padding:0 24px}
.faq-item.open .faq-a{max-height:600px;padding:0 24px 18px}
.faq-a p{color:var(--text);font-size:.92rem;line-height:1.7}

/* === STATES GRID === */
.states-section{padding:60px 0;border-top:1px solid var(--border)}
.states-section h2{text-align:center;margin-bottom:32px;font-size:1.4rem}
.states-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(180px,1fr));gap:10px}
.states-grid a{display:block;padding:10px 14px;background:var(--card);border:1px solid var(--border);border-radius:8px;font-size:.88rem;transition:all .2s;text-align:center;color:var(--text)}
.states-grid a:hover{border-color:var(--accent);background:var(--accent-surface);color:var(--accent-text)}

/* === FOOTER === */
footer{background:var(--bg);border-top:1px solid var(--border);padding:40px 0;margin-top:40px}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:40px;margin-bottom:32px}
.footer-brand .logo{margin-bottom:12px}
.footer-brand p{color:var(--muted);font-size:.88rem;max-width:300px}
.footer-col h4{font-size:.9rem;font-weight:700;margin-bottom:14px;color:var(--heading)}
.footer-col a{display:block;color:var(--muted);font-size:.85rem;margin-bottom:8px}
.footer-col a:hover{color:var(--accent-dim)}
.footer-bottom{border-top:1px solid var(--border);padding-top:20px;display:flex;justify-content:space-between;align-items:center;color:var(--muted);font-size:.82rem;flex-wrap:wrap;gap:12px}
.footer-bottom a{color:var(--muted);text-decoration:underline}
.footer-bottom a:hover{color:var(--accent-dim)}

/* === RESPONSIVE === */
@media(max-width:900px){
  .calc-wrapper{grid-template-columns:1fr}
  .calc-form{position:static}
  .comparison-grid{grid-template-columns:1fr}
  .affiliate-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .rates-row{grid-template-columns:1fr}
  .hero h1{font-size:1.8rem}
}
@media(max-width:600px){
  .grid-2{grid-template-columns:1fr}
  .states-grid{grid-template-columns:repeat(2,1fr)}
  nav{gap:12px}
  nav a{font-size:.85rem}
  .hero{padding:36px 0 24px}
}