:root{--ink:#171918;--ink2:#292b29;--gold:#e9ab37;--cream:#f7f4ed;--paper:#fffefa;--muted:#656961;--line:#dddcd4;--soft:#eee9df;--success:#40644f;--danger:#a34334}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--cream);color:var(--ink);font:15px/1.5 ui-sans-serif,-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif}button,input,select{font:inherit}button{cursor:pointer}a{color:inherit}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid #b47c23;outline-offset:3px}header{background:var(--ink);color:#fff;border-bottom:4px solid var(--gold)}.head{max-width:1090px;margin:auto;padding:18px 25px;display:flex;align-items:center;justify-content:space-between;gap:18px}.brand{display:flex;align-items:center;gap:10px;text-decoration:none}.bmg{font-size:28px;font-weight:950;letter-spacing:-2px;line-height:1}.bmg em{font-style:normal;color:var(--gold)}.brand-label{font-size:10px;letter-spacing:1.3px;font-weight:800;text-transform:uppercase;color:#d6d2c9}.topnav{display:flex;flex-wrap:wrap;align-items:center;gap:10px}.topnav a{font-size:12px;border:1px solid #474943;border-radius:999px;padding:8px 13px;text-decoration:none;color:#e5e1d7;font-weight:750}.topnav a.current,.topnav a:hover{border-color:var(--gold);color:var(--gold)}main{max-width:1090px;margin:0 auto;padding:34px 25px 62px;min-height:calc(100vh - 190px)}footer{border-top:1px solid var(--line);color:#74746e;padding:20px 24px 32px;font-size:12px}.foot{max-width:1050px;margin:auto;display:flex;gap:14px;justify-content:space-between;flex-wrap:wrap}.foot a{text-underline-offset:3px}.eyebrow{color:#91601a;font-size:11px;letter-spacing:2px;font-weight:900;text-transform:uppercase;margin:0 0 11px}h1{font-size:clamp(36px,5.3vw,66px);line-height:1.03;letter-spacing:-2px;font-weight:950;margin:0 0 15px}h2{font-size:clamp(24px,3.2vw,33px);line-height:1.15;letter-spacing:-.8px;margin:0 0 13px}h3{font-size:18px;letter-spacing:-.3px;margin:0 0 7px}p{margin:0 0 12px}a{text-underline-offset:3px}.lede{font-size:18px;color:#54574f;max-width:700px}.hero{display:grid;grid-template-columns:1.3fr .7fr;align-items:center;gap:24px;margin:15px 0 28px}.hero-card{background:var(--ink);color:white;border-radius:20px;padding:27px 28px;box-shadow:0 13px 32px #0001;position:relative;overflow:hidden}.hero-card:before{content:'';position:absolute;right:-110px;top:-110px;border:2px solid #e9ab3745;width:215px;height:215px;border-radius:50%;box-shadow:0 0 0 20px #e9ab3714,0 0 0 44px #e9ab3709}.hero-card>*{position:relative}.hero-card .mini{font-size:11px;color:var(--gold);font-weight:900;letter-spacing:1.5px}.hero-card strong{display:block;font-size:42px;letter-spacing:-1.6px;margin:18px 0 5px;line-height:1}.hero-card p{color:#ddd7c9;font-size:14px;margin:0}.section-title{margin:25px 0 15px}.tiles{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:15px}.tile{background:var(--paper);border:1px solid var(--line);border-radius:19px;overflow:hidden;box-shadow:0 12px 33px #00000008;display:flex;flex-direction:column}.tile-art{height:135px;background:var(--ink);color:var(--gold);display:flex;align-items:center;gap:18px;justify-content:center}.tile-art .glyph{font-size:54px;font-weight:850}.tile-art .glyphsmall{font-size:13px;color:#dfd8c8;font-weight:800;letter-spacing:1.5px}.tile-body{padding:20px;display:flex;flex-direction:column;gap:11px;flex:1}.tile-body h3{font-size:21px;margin:0}.tile-body p{color:#60635b;font-size:14px;flex:1}.micro{color:#94651b;font-size:10px;font-weight:950;letter-spacing:1.2px;text-transform:uppercase}.btn{border-radius:12px;border:2px solid var(--gold);background:var(--gold);font-weight:900;color:var(--ink);min-height:48px;padding:12px 16px;display:inline-flex;justify-content:center;align-items:center;text-decoration:none;text-align:center;box-shadow:0 3px 0 #a67518}.btn:active{transform:translateY(2px);box-shadow:0 1px 0 #a67518}.btn.outline{border-color:#c7bcab;background:var(--paper);box-shadow:none}.btn.ghost{border-color:transparent;background:transparent;box-shadow:none;text-decoration:underline}.intro-sub{background:var(--soft);padding:22px;border-radius:15px;margin-top:24px;color:#55594f}.backlink{color:#80601c;font-weight:800;font-size:12px;text-decoration:none;display:inline-block;margin-bottom:17px}.detail-head{margin-bottom:28px}.detail-head h1{font-size:clamp(34px,5vw,53px);max-width:800px}.detail-head .lede{font-size:16px}.main-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.1fr);gap:17px;align-items:start}.panel{background:var(--paper);border:1px solid var(--line);border-radius:18px;padding:21px;box-shadow:0 10px 26px #00000007}.panel>h2{font-size:23px}.panel>p.desc{font-size:13px;color:#66695f;margin-bottom:19px}.fields{display:grid;grid-template-columns:1fr 1fr;gap:13px}.field{display:flex;flex-direction:column;min-width:0}.field.wide{grid-column:1/-1}.field label{font-size:12px;font-weight:850;color:#454943;margin:0 0 6px}.field input,.field select{width:100%;min-width:0;background:#fff;border:1px solid #bdbcb3;border-radius:10px;padding:11px 12px;color:#161914;min-height:43px;font-size:15px}.field small{font-size:11px;color:#787a71;margin-top:5px;line-height:1.4}.field input:focus,.field select:focus{border-color:#b88930}.inval{border-color:#ad5148!important;background:#fff5f3!important}.readout{background:#f2ead9;border-radius:12px;padding:14px 15px;margin:16px 0 0;font-size:13px;color:#52534a}.readout strong{color:#272a22}.metrics{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}.metric{background:#f3eee3;border:1px solid #e8ddc9;border-radius:14px;padding:14px}.metric b{display:block;font-size:25px;font-weight:950;line-height:1.15;letter-spacing:-.7px;overflow-wrap:anywhere}.metric span{display:block;margin-top:5px;font-size:11px;font-weight:700;color:#6b6b62}.metric.hero-metric{background:var(--ink);color:white}.metric.hero-metric span{color:#e5d8b9}.chart-wrap{margin-top:18px;border:1px solid #e6e2d7;border-radius:15px;padding:14px 12px;background:#fff}.chart-head{display:flex;justify-content:space-between;align-items:center;gap:10px;flex-wrap:wrap}.chart-head h3{margin:0}.legend{font-size:11px;color:#696c63;display:flex;gap:14px;flex-wrap:wrap}.legend span:before{content:' ';display:inline-block;height:9px;width:9px;background:#e4aa39;border-radius:2px;margin-right:5px}.legend span.dark:before{background:#252825}.legend span.grey:before{background:#96988e}canvas{display:block;width:100%;height:235px;margin:9px 0 0}.interpret{background:#f1ebdf;border-left:4px solid var(--gold);border-radius:0 11px 11px 0;padding:13px 14px;font-size:13px;margin:17px 0;line-height:1.55}.interpret strong{display:block;margin-bottom:4px}.note{font-size:12px;line-height:1.55;color:#666860}.note.warn{color:#774a2e}.pill{display:inline-block;border-radius:999px;padding:5px 10px;background:#eedebd;color:#74501b;font-weight:850;font-size:11px;letter-spacing:.4px}.mode{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:20px}.mode button{border:1px solid #cfc6b4;background:#fffefa;color:#46483d;border-radius:999px;padding:9px 14px;font-size:13px;font-weight:850}.mode button[aria-pressed=true]{background:var(--ink);color:var(--gold);border-color:var(--ink)}details{margin:15px 0 0;border:1px solid #e0d9cc;border-radius:12px;padding:14px;background:#fcf9f3}details summary{cursor:pointer;font-size:14px;font-weight:850}details .fields{margin-top:16px}.result-actions{display:flex;gap:9px;flex-wrap:wrap;margin-top:17px}.result-actions button{flex:1;min-width:140px}.flash{font-size:12px;min-height:1.4em;color:#39634b;margin-top:9px}.scenario-table{width:100%;border-collapse:collapse;font-size:13px;margin-top:13px}.scenario-table th,.scenario-table td{padding:9px 6px;text-align:right;border-bottom:1px solid #eeebe4;font-variant-numeric:tabular-nums}.scenario-table th:first-child,.scenario-table td:first-child{text-align:left}.scenario-table th{font-size:11px;color:#5d615b}.footlinks{display:flex;gap:10px;flex-wrap:wrap;margin-top:25px}.disclaimer{font-size:12px;color:#676960;line-height:1.6;margin-top:15px}.invalid-msg{color:#954337;font-weight:750;font-size:13px;margin-top:12px}.currency-inline{margin-top:12px}.examples{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin:25px 0}.example{border:1px solid var(--line);background:var(--paper);border-radius:14px;padding:16px}.example strong{font-size:23px}.example p{font-size:12px;color:#65685e;margin:7px 0 0}#installprompt{margin-top:24px}#installprompt summary{font-size:14px}.hide{display:none!important}@media(max-width:780px){.main-grid,.hero{grid-template-columns:1fr}.tiles{grid-template-columns:1fr}.tile{flex-direction:row}.tile-art{height:auto;flex:0 0 110px}.tile-art .glyph{font-size:38px}.tile-art .glyphsmall{display:none}.examples{grid-template-columns:1fr 1fr}.topnav{gap:6px}.topnav a{padding:7px 9px}.head{padding:15px 16px}main{padding:25px 16px 50px}}@media(max-width:490px){.brand-label{display:none}.head{flex-wrap:wrap}.topnav{width:100%}.topnav a{flex:1;text-align:center}.tile-art{flex:0 0 95px}.tile-body{padding:16px}.fields{gap:10px}.panel{padding:16px}.metric b{font-size:22px}.examples{grid-template-columns:1fr}.hero-card strong{font-size:35px}.result-actions button{min-width:100%}.mode button{flex:1}canvas{height:210px}}@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}@media print{header,footer,.result-actions,button,.topnav,.backlink{display:none!important}.panel{box-shadow:none}main{max-width:none}.main-grid{display:block}.panel{margin:10px 0;break-inside:avoid}body{background:#fff}}

/* V2 refinements, retaining existing BMG identity */
.tool-intro{display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:10px;margin:15px 0}.tool-intro .mode{margin:0}
.compare-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:11px;margin:14px 0}.compare-box{background:#f3eee3;border:1px solid #e7dbc3;border-radius:14px;padding:15px}.compare-box strong{font-size:25px;letter-spacing:-.8px;display:block;overflow-wrap:anywhere}.compare-box span{font-size:12px;color:#64685d}.compare-box.highlight{background:var(--ink);color:#fff}.compare-box.highlight span{color:#e9d8b5}
.inline-controls{margin:12px 0;display:flex;align-items:center;gap:9px;flex-wrap:wrap}.inline-controls .btn{min-height:38px;font-size:12px;padding:7px 11px}.detail-label{font-size:12px;font-weight:900;color:#93621a;text-transform:uppercase;letter-spacing:1.2px}.mini-status{margin:9px 0;font-size:12px;color:#66695f}.callout{border:1px solid #ddc99d;background:#fff6e3;border-radius:13px;padding:15px;margin:13px 0;color:#58472b;font-size:13px;line-height:1.5}.callout strong{color:#292a24}.save-controls{display:flex;flex-wrap:wrap;gap:8px;margin:15px 0 0}.save-controls .btn{min-height:39px;padding:8px 10px;font-size:12px;box-shadow:none}.save-controls .privacy{flex-basis:100%;font-size:11px;color:#6b6c65}.scenarios-table-container{overflow-x:auto}.scenarios-table-container table{min-width:390px}.stress-note{color:#77512a;background:#fff4df;border:1px solid #ead5b0;border-radius:11px;padding:12px;margin:15px 0;font-size:12px}.advanced-row{border-top:1px solid var(--line);margin:13px 0;padding-top:13px}.scenario-bars{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:8px;margin-top:12px}.scenario-bars>div{padding:12px;border:1px solid var(--line);border-radius:10px;background:#f3eee3}.scenario-bars b{display:block;font-size:18px;overflow-wrap:anywhere}.scenario-bars small{font-size:11px;color:#696b63}.detail-chip{background:#fff4dc;border-radius:999px;color:#7c591b;padding:4px 9px;font-size:11px;font-weight:850}.explain-list{margin:8px 0 0;padding-left:20px;font-size:13px;color:#4e514b}.explain-list li{margin:6px 0}.text-link{color:#815e1b;font-size:12px;font-weight:850}.model-footnote{background:#f1ebdf;padding:14px;border-radius:12px;font-size:12px;color:#585c54;margin-top:14px}
@media(max-width:490px){.compare-box strong{font-size:21px}.scenario-bars{grid-template-columns:1fr}.save-controls .btn{width:100%}.tool-intro{align-items:stretch}.tool-intro .mode{width:100%}.tool-intro .mode button{flex:1}}