:root{--ink:#1e1b2e;--mute:#5b5770;--bg:#fbfaff;--card:#fff;--brand:#4f46e5;--brand2:#eef0ff;--ok:#0f7a4a;--line:#e6e3f2;--r:18px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font:17px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--ink);background:var(--bg)}
a{color:var(--brand)}h1,h2,h3{line-height:1.2;letter-spacing:-.01em}h1{font-size:clamp(2rem,6vw,3.2rem);margin:.3em 0}h2{font-size:1.5rem}
.wrap{max-width:1040px;margin:0 auto;padding:0 20px}.narrow{max-width:720px}.center{text-align:center}section{padding:40px 0}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:9}
:focus-visible{outline:3px solid var(--brand);outline-offset:3px;border-radius:8px}
.top{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:5}.nav{display:flex;align-items:center;justify-content:space-between;min-height:62px;gap:10px;flex-wrap:wrap}
.brand{font-weight:800;text-decoration:none;color:var(--ink);font-size:1.1rem}nav a{margin-left:16px;text-decoration:none;color:var(--mute);font-weight:600;padding:8px 0;display:inline-block}nav a:hover{color:var(--brand)}
.hero{background:linear-gradient(180deg,#eef0ff,#fbfaff);padding:56px 0 40px}.lead{font-size:1.2rem;color:var(--mute)}
.pill{display:inline-block;background:var(--brand2);color:var(--brand);font-weight:700;font-size:.85rem;padding:6px 14px;border-radius:99px}
.btn{display:inline-block;background:var(--brand);color:#fff;text-decoration:none;font-weight:700;padding:14px 26px;border-radius:14px;min-height:48px;border:2px solid var(--brand);transition:transform .1s}.btn:hover{transform:translateY(-1px)}
.btn.big{font-size:1.15rem;padding:18px 34px}.btn.ghost{background:#fff;color:var(--brand)}
.step-h{display:flex;align-items:center;gap:12px;margin-top:24px}.num{width:36px;height:36px;border-radius:50%;background:var(--brand);color:#fff;display:grid;place-items:center;font-weight:800}
.picks,.tgrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(150px,1fr));gap:12px}
.pick,.tcard{display:flex;flex-direction:column;align-items:flex-start;gap:6px;background:var(--card);border:2px solid var(--line);border-radius:var(--r);padding:16px;font:inherit;font-weight:650;color:var(--ink);text-align:left;cursor:pointer;text-decoration:none;min-height:96px;transition:.12s}
.pick:hover,.tcard:hover{border-color:var(--brand)}.pick[aria-pressed=true]{background:var(--brand2);border-color:var(--brand);box-shadow:0 0 0 2px var(--brand) inset}
.pick[aria-pressed=true]::after{content:"✓ picked";font-size:.8rem;color:var(--brand)}.ic{font-size:1.7rem}.ic.xl{font-size:3rem}
.seg{display:flex;flex-wrap:wrap;gap:10px;margin:8px 0}.seg button{font:inherit;font-weight:700;padding:12px 20px;border-radius:99px;border:2px solid var(--line);background:#fff;cursor:pointer;min-height:48px;color:var(--ink)}.seg button[aria-checked=true]{background:var(--brand);color:#fff;border-color:var(--brand)}
.adv,.assume{margin:14px 0;color:var(--mute)}summary{cursor:pointer;font-weight:650;padding:8px 0}.adv input{font:inherit;padding:10px;border-radius:10px;border:2px solid var(--line);width:120px;margin-left:8px}
.result{background:#fff;border:2px solid var(--line);border-radius:24px;padding:24px;margin-top:22px;box-shadow:0 10px 30px rgba(79,70,229,.08);position:sticky;bottom:10px}
.big-nums{display:flex;gap:24px;flex-wrap:wrap}.big-nums div{flex:1;min-width:140px}.n{display:block;font-size:clamp(2.4rem,9vw,3.6rem);font-weight:850;color:var(--brand);line-height:1}.l{color:var(--mute);font-weight:600}
.bar{height:14px;background:var(--brand2);border-radius:99px;overflow:hidden;margin:16px 0 6px}.bar span{display:block;height:100%;width:0;background:linear-gradient(90deg,#4f46e5,#22c55e);transition:width .35s}
.startlist ol{padding-left:20px;margin:8px 0 16px}.small{font-size:.9rem;color:var(--mute)}
.grid3{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:16px}.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:20px;margin:12px 0}
.card.free{border-left:6px solid var(--ok)}.card.warn{border-left:6px solid #d97706}
.ghead{display:flex;gap:16px;align-items:center}.crumb{color:var(--mute)}.progress{position:sticky;top:62px;height:5px;background:var(--brand2);border-radius:9px;z-index:4}.progress span{display:block;height:100%;background:var(--brand);border-radius:9px}
.steps{list-style:none;padding:0;counter-reset:s}.scard{display:flex;gap:14px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:16px;margin:10px 0}.scard p{margin:4px 0}.snum{flex:none;width:34px;height:34px;border-radius:50%;background:var(--brand2);color:var(--brand);font-weight:800;display:grid;place-items:center}
.nextrow{display:flex;gap:12px;flex-wrap:wrap;margin:20px 0}.price{text-align:center}.price ul{text-align:left;padding-left:20px}.amt{font-size:2.4rem;font-weight:850;margin:0}.hot{border:2px solid var(--brand)}
.prose h2{margin-top:1.4em}.foot{border-top:1px solid var(--line);margin-top:40px;padding:24px 0;font-size:.92rem;color:var(--mute)}.asis{background:var(--brand2);padding:12px;border-radius:12px;color:var(--ink)}
@media(max-width:560px){nav a{margin-left:10px}.result{position:static}.picks,.tgrid{grid-template-columns:1fr 1fr}}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
/* mobile overflow fix for calculator result numbers */
.result,.result *{box-sizing:border-box}
.result{max-width:100%;overflow:hidden}
.big-nums{gap:16px}
.big-nums div{flex:1 1 140px;min-width:0;max-width:100%}
.n{font-size:clamp(1.8rem,8vw,3.6rem);overflow-wrap:anywhere;word-break:break-word;max-width:100%;font-variant-numeric:tabular-nums}
@media (max-width:420px){.result{padding:18px}.big-nums div{flex-basis:100%}.n{font-size:clamp(1.8rem,11vw,2.8rem)}}
/* two option box at end of guides */
.choose{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:24px 0}
.choose .opt{box-sizing:border-box;min-width:0;display:flex;flex-direction:column;margin:0}
.choose .opt ul{padding-left:1.2em}
.choose .opt .btn{align-self:flex-start;margin-top:auto}
.optbtns{display:flex;flex-wrap:wrap;gap:10px;margin-top:auto}
.optbtns .btn{margin-top:0}
@media (max-width:640px){.choose{grid-template-columns:1fr}.optbtns .btn{flex:1 1 100%;text-align:center}}