/* Broad Finance — shared calculator styles */
:root {
  --ink: #3D4343; --paper: #FAFAF7; --cream: #F2EFE6;
  --coral: #EF4952; --coral-soft: #FCE2E4;
  --muted: #6C7372; --line: rgba(61,67,67,0.1);
  --blush: #FDF2EE; --sand: #2A2E2F; --warm-white: #FFFBF5;
}
* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Instrument Sans', sans-serif;
  background: var(--paper); color: var(--ink);
  font-size: 17px; line-height: 1.5;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
a { color: inherit; text-decoration: none; }
.container { max-width: 1380px; margin: 0 auto; padding: 0 32px; }
@media (max-width: 768px) { .container { padding: 0 20px; } }

/* NAV */
nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  padding: 20px 32px; display: flex; justify-content: space-between; align-items: center;
  background: rgba(250,250,247,0.85); backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--line);
}
.logo { display: flex; align-items: center; }
.logo-img { height: 64px; width: auto; display: block; }
@media (max-width: 600px) { .logo-img { height: 52px; } }
.nav-links { display: flex; gap: 36px; align-items: center; }
.nav-links a { font-size: 15px; font-weight: 500; transition: color 0.2s; }
.nav-links a:hover, .nav-links a.active { color: var(--coral); }
.nav-cta { background: var(--coral); color: white !important; padding: 12px 22px; border-radius: 100px; font-size: 14px; transition: all 0.2s; }
.nav-cta:hover { background: var(--ink); color: white !important; }
.menu-toggle { display: none; background: none; border: none; cursor: pointer; }
@media (max-width: 900px) {
  .nav-links { display: none; }
  .nav-links.open { display: flex; flex-direction: column; position: absolute; top: 100%; left: 0; right: 0; background: var(--paper); padding: 24px 20px; border-bottom: 1px solid var(--line); gap: 20px; align-items: flex-start; }
  .menu-toggle { display: flex; flex-direction: column; gap: 5px; padding: 8px; }
  .menu-toggle span { width: 22px; height: 2px; background: var(--ink); }
}

/* BUTTON */
.btn { display: inline-flex; align-items: center; gap: 10px; padding: 16px 26px; border-radius: 100px; font-size: 15px; font-weight: 500; transition: all 0.25s; cursor: pointer; border: none; font-family: inherit; }
.btn-primary { background: var(--coral); color: white; }
.btn-primary:hover { background: #D63A42; transform: translateY(-2px); }
.btn-secondary { background: transparent; color: var(--ink); border: 1px solid var(--line); }
.btn-secondary:hover { background: var(--ink); color: white; border-color: var(--ink); }

/* PAGE HEADER */
.page-head { padding: 180px 0 60px; }
.eyebrow { display: inline-flex; align-items: center; gap: 12px; font-size: 13px; text-transform: uppercase; letter-spacing: 0.18em; color: var(--coral); font-weight: 600; margin-bottom: 28px; }
.eyebrow::before { content: ''; width: 28px; height: 1px; background: var(--coral); }
.page-title {
  font-family: 'Fraunces', serif;
  font-size: clamp(48px, 7vw, 110px);
  font-weight: 400; line-height: 0.92;
  letter-spacing: -0.04em;
  max-width: 1100px;
}
.page-title .italic { font-style: italic; color: var(--coral); }
.page-sub { margin-top: 28px; font-size: 19px; color: var(--muted); max-width: 680px; line-height: 1.55; }

/* TOOL CARDS (tools.html) */
.tools-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px;
  padding: 60px 0 120px;
}
@media (max-width: 1000px) { .tools-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 640px) { .tools-grid { grid-template-columns: 1fr; } }
.tool-card {
  display: flex; flex-direction: column;
  padding: 36px 32px; border-radius: 22px;
  background: var(--cream);
  transition: transform 0.25s ease, background 0.25s ease;
  min-height: 240px;
  position: relative; overflow: hidden;
}
.tool-card:hover { transform: translateY(-4px); background: var(--blush); }
.tool-card .icon {
  width: 44px; height: 44px; border-radius: 12px;
  background: var(--coral); color: white;
  display: inline-flex; align-items: center; justify-content: center;
  font-family: 'Fraunces', serif; font-size: 22px; font-weight: 500;
  margin-bottom: 24px;
}
.tool-card h3 {
  font-family: 'Fraunces', serif;
  font-size: 28px; font-weight: 500; line-height: 1.05;
  letter-spacing: -0.02em; margin-bottom: 12px;
}
.tool-card p { color: var(--muted); font-size: 15px; line-height: 1.55; flex: 1; }
.tool-card .arrow { margin-top: 22px; font-size: 14px; color: var(--coral); font-weight: 600; letter-spacing: 0.04em; }

/* CALCULATOR LAYOUT */
.calc-section { padding: 40px 0 120px; }
.calc-grid {
  display: grid; grid-template-columns: 1.05fr 0.95fr; gap: 64px;
  align-items: start;
}
@media (max-width: 1000px) { .calc-grid { grid-template-columns: 1fr; gap: 40px; } }

.calc-form {
  background: var(--warm-white); border: 1px solid var(--line);
  border-radius: 24px; padding: 40px;
}
@media (max-width: 600px) { .calc-form { padding: 28px 22px; } }
.calc-form h2 {
  font-family: 'Fraunces', serif; font-size: 28px; font-weight: 500;
  margin-bottom: 6px; letter-spacing: -0.01em;
}
.calc-form .form-sub { color: var(--muted); font-size: 14px; margin-bottom: 28px; }

.field-group { display: grid; gap: 18px; }
.field { display: flex; flex-direction: column; gap: 6px; }
.field label { font-size: 13px; font-weight: 600; color: var(--ink); letter-spacing: 0.02em; }
.field .hint { font-size: 12px; color: var(--muted); margin-top: 2px; }
.input-wrap { position: relative; display: flex; align-items: center; }
.input-wrap .prefix, .input-wrap .suffix {
  position: absolute; color: var(--muted); font-size: 15px; pointer-events: none;
}
.input-wrap .prefix { left: 16px; }
.input-wrap .suffix { right: 16px; }
.field input, .field select {
  width: 100%; padding: 14px 16px; font-size: 16px;
  font-family: inherit; color: var(--ink);
  background: var(--paper); border: 1px solid var(--line);
  border-radius: 12px; transition: border-color 0.2s, background 0.2s;
  -moz-appearance: textfield;
}
.field input::-webkit-outer-spin-button,
.field input::-webkit-inner-spin-button { -webkit-appearance: none; margin: 0; }
.field input:focus, .field select:focus { outline: none; border-color: var(--coral); background: white; }
.input-wrap.has-prefix input { padding-left: 32px; }
.input-wrap.has-suffix input { padding-right: 44px; }

.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
@media (max-width: 480px) { .field-row { grid-template-columns: 1fr; } }

.calc-actions { display: flex; gap: 12px; margin-top: 28px; flex-wrap: wrap; }

/* RESULTS */
.calc-results {
  background: var(--ink); color: white;
  border-radius: 24px; padding: 40px;
  position: sticky; top: 120px;
}
@media (max-width: 1000px) { .calc-results { position: static; } }
@media (max-width: 600px) { .calc-results { padding: 32px 22px; } }
.calc-results h3 {
  font-family: 'Fraunces', serif; font-size: 22px; font-weight: 500;
  margin-bottom: 6px; letter-spacing: -0.01em;
}
.calc-results .results-sub { color: rgba(255,255,255,0.6); font-size: 14px; margin-bottom: 28px; }
.headline-result {
  font-family: 'Fraunces', serif; font-weight: 400;
  font-size: clamp(48px, 7vw, 76px); line-height: 0.95;
  letter-spacing: -0.03em; color: var(--coral);
  margin-bottom: 4px;
}
.headline-label { font-size: 13px; text-transform: uppercase; letter-spacing: 0.18em; color: rgba(255,255,255,0.6); margin-bottom: 36px; }

.result-rows { display: flex; flex-direction: column; gap: 0; }
.result-row {
  display: flex; justify-content: space-between; align-items: baseline;
  padding: 16px 0; border-top: 1px solid rgba(255,255,255,0.08);
  gap: 16px;
}
.result-row:first-child { border-top: none; padding-top: 0; }
.result-row .label { font-size: 14px; color: rgba(255,255,255,0.7); }
.result-row .value {
  font-family: 'Fraunces', serif; font-size: 22px; font-weight: 500;
  letter-spacing: -0.01em; text-align: right;
}
.result-row .value.accent { color: var(--coral); }

.results-cta {
  margin-top: 32px; padding-top: 24px;
  border-top: 1px solid rgba(255,255,255,0.08);
}
.results-cta p { font-size: 14px; color: rgba(255,255,255,0.7); margin-bottom: 16px; line-height: 1.55; }
.results-cta .btn-primary { background: var(--coral); }
.results-cta .btn-primary:hover { background: white; color: var(--ink); }

/* BUDGET-SPECIFIC */
.budget-section { margin-top: 28px; padding-top: 24px; border-top: 1px solid var(--line); }
.budget-section h4 {
  font-family: 'Fraunces', serif; font-size: 19px; font-weight: 500;
  margin-bottom: 4px; letter-spacing: -0.01em;
}
.budget-section .section-sub { color: var(--muted); font-size: 13px; margin-bottom: 16px; }

/* DISCLAIMER */
.disclaimer {
  margin-top: 80px; padding: 28px 32px;
  background: var(--cream); border-radius: 18px;
  font-size: 13px; color: var(--muted); line-height: 1.6;
}
.disclaimer strong { color: var(--ink); }

/* CTA STRIP */
.cta { padding: 140px 0; background: var(--coral); color: white; text-align: center; }
.cta h2 {
  font-family: 'Fraunces', serif;
  font-size: clamp(48px, 7vw, 110px);
  font-weight: 400; line-height: 0.95;
  letter-spacing: -0.04em; margin-bottom: 40px;
}
.cta h2 .italic { font-style: italic; color: rgba(255,255,255,0.75); }
.cta .btn-primary { background: white; color: var(--ink); }
.cta .btn-primary:hover { background: var(--ink); color: white; }

/* FOOTER */
footer { background: var(--cream); color: var(--ink); padding: 80px 0 32px; border-top: 1px solid var(--line); }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 60px; margin-bottom: 80px; }
@media (max-width: 900px) { .footer-grid { grid-template-columns: 1fr 1fr; gap: 40px; } }
@media (max-width: 600px) { .footer-grid { grid-template-columns: 1fr; } }
.footer-logo { height: 52px; width: auto; display: block; margin-bottom: 24px; }
.footer-brand p { color: var(--muted); max-width: 360px; line-height: 1.6; }
.footer-col h5 { font-size: 13px; text-transform: uppercase; letter-spacing: 0.16em; color: var(--coral); margin-bottom: 20px; font-weight: 600; }
.footer-col a { display: block; font-size: 15px; color: var(--ink); margin-bottom: 12px; transition: color 0.2s; opacity: 0.75; }
.footer-col a:hover { color: var(--coral); opacity: 1; }
.footer-bottom { padding-top: 32px; border-top: 1px solid var(--line); display: flex; justify-content: space-between; flex-wrap: wrap; gap: 16px; font-size: 13px; color: var(--muted); }