*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
  :root {
    --bg: #FAF7F0; --surface: #FFFFFF; --surface2: #F4EFE3;
    --text: #211C14; --muted: #77705F; --accent: #B45309;
    --accent2: #92400E; --accent-light: #FEF3C7;
    --green: #047857; --green-light: #ECFDF5;
    --blue: #1B4FD8; --blue-light: #EFF4FF;
    --gold: #92400E; --gold-light: #FEF3C7;
    --border: #E9E1CF;
  }
  body { font-family: 'Inter', sans-serif; background: var(--bg); color: var(--text); min-height: 100vh; display: flex; flex-direction: column; line-height: 1.6; }
  header { background: var(--surface); border-bottom: 1px solid var(--border); padding: 0 2rem; height: 60px; display: flex; align-items: center; justify-content: space-between; position: sticky; top: 0; z-index: 100; box-shadow: 0 1px 3px rgba(0,0,0,0.04); }
  .logo { font-family: 'Playfair Display', serif; font-size: 22px; color: var(--blue); text-decoration: none; letter-spacing: -0.5px; }
  .logo em { font-style: italic; }
  .nav-links { display: flex; gap: 1.25rem; align-items: center; }
  .nav-links a { font-size: 13px; text-decoration: none; color: var(--muted); font-weight: 500; }
  .nav-links a:hover { color: var(--accent); }
  @media (max-width: 520px) { .nav-links a:not(.nav-home) { display: none; } }
  .ad-banner { background: #f5f5f5; border-bottom: 1px solid var(--border); text-align: center; padding: 10px; }
  .ad-label { font-size: 9px; color: var(--muted); text-transform: uppercase; letter-spacing: 1px; margin-bottom: 3px; }
  .ad-placeholder { height: 90px; display: flex; align-items: center; justify-content: center; color: #ccc; font-size: 12px; border: 1px dashed #ddd; border-radius: 4px; margin: 0 auto; max-width: 728px; }
  .hero { background: linear-gradient(135deg, #92400E, #B45309); padding: 2.5rem 2rem; text-align: center; color: white; }
  .hero-eyebrow { font-size: 11px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.15em; color: rgba(255,255,255,0.75); margin-bottom: 0.75rem; }
  .hero h1 { font-family: 'Playfair Display', serif; font-size: clamp(1.9rem, 5vw, 2.75rem); font-weight: 700; line-height: 1.15; margin-bottom: 0.5rem; }
  .hero h1 em { font-style: italic; }
  .hero p { font-size: 14px; color: rgba(255,255,255,0.85); font-weight: 300; max-width: 480px; margin: 0 auto; }
  main { flex: 1; max-width: 720px; margin: 0 auto; width: 100%; padding: 2rem 1.5rem; }
  .calc-card { background: var(--surface); border: 1px solid var(--border); border-radius: 20px; padding: 1.75rem; margin-bottom: 1.5rem; }
  .field { margin-bottom: 1.25rem; }
  .field label { display: block; font-size: 12px; font-weight: 600; color: var(--muted); text-transform: uppercase; letter-spacing: 0.05em; margin-bottom: 0.4rem; }
  .field .hint { display: block; font-size: 11px; color: var(--muted); text-transform: none; letter-spacing: normal; margin-top: 0.35rem; font-weight: 400; }
  .input-wrap { position: relative; }
  .input-wrap .prefix { position: absolute; left: 14px; top: 50%; transform: translateY(-50%); color: var(--muted); font-size: 15px; }
  .input-wrap .suffix { position: absolute; right: 14px; top: 50%; transform: translateY(-50%); color: var(--muted); font-size: 15px; }
  input[type="number"], select { width: 100%; padding: 0.75rem 1rem; border: 1px solid var(--border); border-radius: 10px; font-size: 15px; font-family: 'Inter', sans-serif; color: var(--text); background: var(--surface2); }
  input[type="number"].has-prefix { padding-left: 28px; }
  .status-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0.5rem; }
  @media (max-width: 480px) { .status-grid { grid-template-columns: 1fr; } }
  .status-btn { padding: 0.6rem 0.4rem; border: 1px solid var(--border); border-radius: 8px; background: var(--surface2); text-align: center; font-size: 12px; font-weight: 600; cursor: pointer; color: var(--text); }
  .status-btn.active { background: var(--accent); color: white; border-color: var(--accent); }
  .calc-btn { width: 100%; background: var(--accent); color: white; border: none; padding: 0.9rem; border-radius: 12px; font-size: 15px; font-weight: 600; cursor: pointer; margin-top: 0.5rem; }
  .calc-btn:hover { background: var(--accent2); }
  .error-msg { display: none; background: #FEF2F2; color: #DC2626; padding: 0.6rem 1rem; border-radius: 8px; font-size: 13px; margin-top: 0.75rem; }
  .error-msg.show { display: block; }
  .results-card { background: linear-gradient(135deg, #92400E, #B45309); border-radius: 20px; padding: 1.75rem; margin-bottom: 1.5rem; color: white; }
  .result-main { text-align: center; margin-bottom: 1.25rem; }
  .result-main .label { font-size: 12px; opacity: 0.75; text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 0.25rem; }
  .result-main .value { font-family: 'Playfair Display', serif; font-size: 2.5rem; font-weight: 700; }
  .result-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0.75rem; }
  .result-item { background: rgba(255,255,255,0.12); border-radius: 12px; padding: 0.75rem; text-align: center; }
  .result-item .r-label { font-size: 10px; opacity: 0.7; text-transform: uppercase; letter-spacing: 0.05em; margin-bottom: 2px; }
  .result-item .r-value { font-family: 'Playfair Display', serif; font-size: 1.1rem; font-weight: 700; }
  .bracket-table-wrap { background: var(--surface); border: 1px solid var(--border); border-radius: 16px; overflow: hidden; margin-bottom: 1.5rem; }
  .bracket-table-wrap h3 { font-size: 12px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.08em; color: var(--muted); padding: 1.25rem 1.25rem 0.75rem; }
  .bracket-table { width: 100%; border-collapse: collapse; font-size: 13px; }
  .bracket-table th { text-align: left; padding: 0.6rem 1rem; background: var(--surface2); font-size: 11px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.06em; color: var(--muted); }
  .bracket-table td { padding: 0.6rem 1rem; border-bottom: 1px solid var(--border); }
  .bracket-table tr:last-child td { border-bottom: none; }
  .bracket-table tr.hit-bracket td { background: var(--accent-light); font-weight: 600; }
  .bracket-table td.rate-cell { font-family: 'Playfair Display', serif; font-weight: 700; color: var(--accent2); }
  @media (max-width: 480px) { .bracket-table td, .bracket-table th { padding: 0.45rem 0.6rem; font-size: 11px; } }
  .ad-block { background: #f9f9f9; border: 1px dashed #ddd; border-radius: 12px; padding: 1rem; text-align: center; font-size: 11px; color: var(--muted); margin-bottom: 1.5rem; min-height: 260px; display: flex; flex-direction: column; align-items: center; justify-content: center; }
  .related-links { background: var(--surface); border: 1px solid var(--border); border-radius: 16px; padding: 1.5rem; margin-bottom: 1.5rem; }
  .related-links h2 { font-size: 12px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.08em; color: var(--muted); margin-bottom: 1rem; }
  .related-links-grid { display: flex; flex-direction: column; gap: 0.6rem; }
  .related-link { display: flex; align-items: center; justify-content: space-between; padding: 0.7rem 1rem; background: var(--surface2); border-radius: 10px; text-decoration: none; color: var(--text); font-size: 13px; font-weight: 500; }
  .related-link span.arrow { color: var(--blue); font-weight: 700; }
  .info-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 0.75rem; margin: 1.5rem 0; }
  @media (max-width: 480px) { .info-grid { grid-template-columns: 1fr; } }
  .info-card { background: var(--surface); border: 1px solid var(--border); border-radius: 14px; padding: 1.1rem; }
  .info-card .icon { font-size: 1.5rem; margin-bottom: 0.5rem; }
  .info-card h3 { font-size: 13px; font-weight: 600; margin-bottom: 0.25rem; }
  .info-card p { font-size: 12px; color: var(--muted); line-height: 1.5; margin: 0; }
  .content h2 { font-family: 'Playfair Display', serif; font-size: 1.5rem; font-weight: 400; margin: 1.75rem 0 0.75rem; }
  .content h2 em { font-style: italic; }
  .content p { font-size: 14px; color: #2C2B28; margin-bottom: 1rem; line-height: 1.7; }
  .content strong { font-weight: 600; color: var(--text); }
  .content a { color: var(--blue); text-decoration: underline; text-underline-offset: 2px; }
  .content a:hover { color: #1440B3; }
  .data-table-wrap { background: var(--surface); border: 1px solid var(--border); border-radius: 16px; overflow: hidden; margin: 1.5rem 0; }
  .data-table-wrap .t-title { font-size: 12px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.08em; color: var(--muted); padding: 1rem 1.25rem 0.75rem; border-bottom: 1px solid var(--border); }
  .data-table { width: 100%; border-collapse: collapse; font-size: 13px; }
  .data-table th { text-align: left; padding: 0.6rem 1rem; background: var(--surface2); font-size: 11px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.06em; color: var(--muted); }
  .data-table td { padding: 0.65rem 1rem; border-bottom: 1px solid var(--border); }
  .data-table tr:last-child td { border-bottom: none; }
  .data-table td.hi { font-family: 'Playfair Display', serif; font-size: 14px; font-weight: 700; color: var(--accent2); }
  @media (max-width: 480px) { .data-table td, .data-table th { padding: 0.45rem 0.6rem; font-size: 11px; } }
  .insight-box { background: var(--blue-light); border-left: 4px solid var(--blue); border-radius: 0 12px 12px 0; padding: 1.25rem 1.5rem; margin: 1.5rem 0; }
  .insight-box .i-label { font-size: 10px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.1em; color: var(--blue); margin-bottom: 0.4rem; }
  .insight-box p { font-size: 14px; color: var(--text); margin: 0; line-height: 1.6; }
  .faq { margin: 2rem 0; }
  .faq h2 { font-family: 'Playfair Display', serif; font-size: 1.6rem; font-weight: 400; margin-bottom: 1rem; }
  .faq-item { border-bottom: 1px solid var(--border); padding: 1rem 0; }
  .faq-item h3 { font-size: 14px; font-weight: 600; margin-bottom: 0.4rem; }
  .faq-item p { font-size: 13px; color: var(--muted); line-height: 1.6; margin: 0; }
  .faq-item p a { color: var(--blue); text-decoration: underline; text-underline-offset: 2px; }
  footer { background: var(--surface); border-top: 1px solid var(--border); padding: 1.5rem 2rem; text-align: center; font-size: 12px; color: var(--muted); }
  footer a { color: var(--blue); text-decoration: underline; }