:root{--cx-faint:#756d62;--cx-black:#060503;--cx-orange-dark:#c85a00}
/* fundr calculators — shared styles (uses site tokens; fallbacks included) */
.cx-hero{background:var(--cx-black);color:#fff;padding:72px 48px 64px;position:relative;border-left:3px solid var(--orange)}
.cx-wrap{max-width:1200px;margin:0 auto}
.cx-crumbs{font-size:.7rem;color:rgba(255,255,255,.55);margin-bottom:16px}
.cx-crumbs a{color:rgba(255,255,255,.55);text-decoration:none}.cx-crumbs a:hover{color:#fff}
.cx-crumbs span{margin:0 6px;color:rgba(255,255,255,.3)}
.cx-eyebrow{font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:rgba(255,255,255,.5);margin-bottom:16px;display:flex;align-items:center;gap:10px}
.cx-eyebrow::before{content:'';width:20px;height:1px;background:var(--orange)}
.cx-hero h1{font-family:var(--serif);font-weight:400;font-size:clamp(2.1rem,4.6vw,3.8rem);line-height:1.08;letter-spacing:-.015em;max-width:820px;margin-bottom:16px}
.cx-hero h1 em{font-style:italic}
.cx-lede{font-size:.98rem;font-weight:300;line-height:1.8;color:rgba(255,255,255,.62);max-width:640px}
.cx-lede strong{color:#fff;font-weight:500}
.cx-section{padding:72px 48px;background:var(--white)}
.cx-section.sand{background:var(--sand)}
.cx-section h2{font-family:var(--serif);font-weight:400;font-size:clamp(1.6rem,3vw,2.4rem);line-height:1.15;color:var(--ink);margin-bottom:14px}
.cx-section h2 em{font-style:italic}
.cx-section h3{font-family:var(--serif);font-weight:400;font-size:1.3rem;color:var(--ink);margin:0 0 8px}
.cx-section p{font-size:.92rem;font-weight:300;line-height:1.85;color:var(--mid)}
.cx-section p+p{margin-top:1rem}
.cx-section a{color:var(--cx-orange-dark)}
.cx-grid{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);gap:32px;align-items:start}
.cx-card{background:var(--white);border:1px solid var(--border);border-radius:14px;padding:28px}
.cx-card h2,.cx-card h3.cx-card-title{font-family:var(--serif);font-weight:400;font-size:1.5rem;margin-bottom:18px}
.cx-result{background:var(--ink);color:#fff;border-radius:14px;padding:28px}
.cx-result-label{font-size:.68rem;letter-spacing:.2em;text-transform:uppercase;color:rgba(255,255,255,.45)}
.cx-big{font-family:var(--serif);font-size:clamp(2.8rem,6vw,4.2rem);line-height:1.05;margin:8px 0 2px}
.cx-big small{font-family:var(--sans);font-size:.9rem;color:rgba(255,255,255,.55);margin-left:8px}
.cx-rows{display:grid;grid-template-columns:1fr 1fr;gap:16px 24px;margin:22px 0;padding-top:20px;border-top:1px solid rgba(255,255,255,.12)}
.cx-rows div span{display:block;font-size:.66rem;letter-spacing:.14em;text-transform:uppercase;color:rgba(255,255,255,.45);margin-bottom:3px}
.cx-rows div b{font-weight:500;font-size:1.05rem}
.cx-btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--orange);color:#fff!important;padding:14px 24px;font-size:.78rem;font-weight:600;letter-spacing:.07em;text-transform:uppercase;border-radius:6px;text-decoration:none;width:100%}
.cx-btn:hover{background:var(--cx-orange-dark)}
.cx-disc{font-size:.72rem;line-height:1.6;color:var(--cx-faint);margin-top:14px}
.cx-result .cx-disc{color:rgba(255,255,255,.4)}
.cx-compare{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin:18px 0 0}
.cx-compare .cell{background:var(--sand);border-radius:10px;padding:16px}
.cx-compare .cell span{display:block;font-size:.66rem;letter-spacing:.14em;text-transform:uppercase;color:var(--cx-faint);margin-bottom:4px}
.cx-compare .cell b{font-family:var(--serif);font-weight:400;font-size:1.6rem;color:var(--ink)}
.cx-table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch;margin-top:20px}
.cx-table{width:100%;border-collapse:collapse;min-width:480px;background:#fff}
.cx-table th{text-align:left;padding:11px 16px;font-size:.7rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--cx-faint);border-bottom:2px solid var(--border)}
.cx-table td{padding:12px 16px;font-size:.88rem;font-weight:300;color:var(--mid);border-bottom:1px solid var(--border)}
.cx-table td:first-child{color:var(--ink);font-weight:500}
.cx-note{font-size:.73rem;color:var(--cx-faint);margin-top:12px;line-height:1.6}
.cx-example{background:var(--sand);border-left:3px solid var(--orange);border-radius:0 10px 10px 0;padding:22px 24px;margin-top:20px}
.cx-example p{margin:0}
.cx-faq{list-style:none;max-width:860px}
.cx-faq details{border-bottom:1px solid var(--border);padding:18px 0}
.cx-faq summary{cursor:pointer;font-weight:500;color:var(--ink);font-size:1rem;list-style:none;display:flex;justify-content:space-between;gap:16px}
.cx-faq summary::after{content:'+';color:var(--orange);font-size:1.3rem;line-height:1}
.cx-faq details[open] summary::after{content:'–'}
.cx-faq details p{margin-top:12px}
.cx-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:28px}
.cx-link-card{display:block;background:#fff;border:1px solid var(--border);border-radius:12px;padding:22px;text-decoration:none!important;transition:border-color .2s,transform .2s}
.cx-link-card:hover{border-color:var(--orange);transform:translateY(-2px)}
.cx-link-card strong{display:block;font-family:var(--serif);font-weight:400;font-size:1.25rem;color:var(--ink);margin-bottom:6px}
.cx-link-card span{font-size:.82rem;color:var(--mid);line-height:1.6;font-weight:300}
.cx-related{display:flex;flex-wrap:wrap;gap:10px;margin-top:18px}
.cx-related a{font-size:.78rem;padding:8px 14px;border:1px solid var(--border);border-radius:100px;text-decoration:none;color:var(--ink)}
.cx-related a:hover{border-color:var(--orange);color:var(--cx-orange-dark)}
.cx-nick{display:flex;gap:20px;align-items:center;background:var(--ink);color:#fff;border-radius:14px;padding:28px;margin-top:32px;flex-wrap:wrap}
.cx-nick p{color:rgba(255,255,255,.7)!important;margin:0;flex:1;min-width:240px}
.cx-nick a.cx-btn{width:auto}
.cx-ctasec{background:var(--cx-black);color:#fff;padding:72px 48px;text-align:center}
.cx-ctasec h2{font-family:var(--serif);font-weight:400;font-size:clamp(1.8rem,3.5vw,2.8rem);margin-bottom:20px}
.cx-ctasec h2 em{font-style:italic}
.cx-ctasec .cx-btn{width:auto;display:inline-flex}
.cx-ctasec p{color:rgba(255,255,255,.5);font-size:.85rem;margin-top:16px}
.cx-ctasec p a{color:#fff}
@media (max-width:900px){
  .cx-hero,.cx-section,.cx-ctasec{padding-left:20px;padding-right:20px}
  .cx-hero{padding-top:48px;padding-bottom:44px}
  .cx-section{padding-top:48px;padding-bottom:48px}
  .cx-grid{grid-template-columns:1fr}
  .cx-cards{grid-template-columns:1fr}
}
@media (max-width:520px){.cx-fields{grid-template-columns:1fr}.cx-compare{grid-template-columns:1fr}}
/* ── Calculators dropdown: opens on hover (desktop) + click/tap/keyboard ──
   Append to shared.css. Works with the existing .nav-item.has-dropdown pattern. */
.nav-item.has-dropdown.calc-item > .nav-link.calc-trigger{padding:0}
.calc-trigger{display:flex;align-items:center;gap:0}
.calc-trigger .calc-label{font-family:var(--sans);font-size:.82rem;font-weight:500;color:var(--mid);text-decoration:none;padding:8px 6px 8px 12px;border-radius:6px 0 0 6px;white-space:nowrap;transition:color .2s,background .2s}
.calc-trigger .calc-arrow{display:flex;align-items:center;justify-content:center;padding:8px 10px 8px 4px;background:none;border:none;cursor:pointer;color:var(--mid);border-radius:0 6px 6px 0;transition:color .2s,background .2s}
.calc-trigger .calc-label:hover,.calc-trigger .calc-arrow:hover,.nav-item.open .calc-label,.nav-item.open .calc-arrow{color:var(--ink);background:rgba(22,20,15,.05)}
.calc-item .dropdown-menu{min-width:300px}
/* invisible bridge so the menu doesn't close while the pointer crosses the gap */
.calc-item .dropdown-menu::before{content:'';position:absolute;left:0;right:0;top:-10px;height:10px}
@media (hover:hover) and (pointer:fine){
  .nav-item.has-dropdown:hover > .dropdown-menu,
  .nav-item.has-dropdown:focus-within > .dropdown-menu{opacity:1;visibility:visible;transform:translateY(0)}
  .nav-item.has-dropdown:hover .chevron{transform:rotate(180deg)}
}
.mobile-section-label a{color:inherit;text-decoration:none}
.site-links{background:var(--sand);padding:28px 48px;border-top:1px solid var(--border)}
.site-links-inner{max-width:1200px;margin:0 auto;display:flex;flex-wrap:wrap;gap:8px 20px}
.site-links a{font-size:.78rem;color:var(--mid);text-decoration:none}.site-links a:hover{color:var(--cx-orange-dark)}
@media (max-width:900px){.site-links{padding:24px 20px}}

.cx-byline{font-size:.74rem;color:rgba(255,255,255,.5);margin-top:18px}.cx-byline a{color:rgba(255,255,255,.8)}
.cx-btn,.cx-related a,.cx-faq summary,.dropdown-item{min-height:44px}.cx-related a{display:inline-flex;align-items:center}
.cx-field input,.cx-field select{font-size:16px}

/* calculator form — uniform controls */
.cx-grid{align-items:stretch}
.cx-card{display:flex;flex-direction:column;padding:32px}
.cx-card h2{margin-bottom:22px}
.cx-fields{display:grid;grid-template-columns:1fr 1fr;gap:18px 16px}
.cx-field{display:flex;flex-direction:column;gap:7px;min-width:0}
.cx-field.full{grid-column:1/-1}
.cx-field label{font-size:.68rem;font-weight:500;letter-spacing:.1em;text-transform:uppercase;color:var(--mid)}
.cx-input{position:relative;display:flex;align-items:center}
.cx-input input,.cx-input select{width:100%;height:52px;padding:0 16px;font:inherit;font-size:16px;font-weight:500;color:var(--ink);background:#fff;border:1px solid rgba(22,20,15,.18);border-radius:8px;appearance:none;-webkit-appearance:none;-moz-appearance:textfield;transition:border-color .15s,box-shadow .15s}
.cx-input input::-webkit-outer-spin-button,.cx-input input::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}
.cx-input input:focus,.cx-input select:focus{outline:none;border-color:var(--orange);box-shadow:0 0 0 3px var(--orange-dim,rgba(240,108,0,.12))}
.cx-input.has-pre input{padding-left:34px}
.cx-input.has-suf input{padding-right:64px}
.cx-affix{position:absolute;top:0;bottom:0;display:flex;align-items:center;font-size:.9rem;color:var(--cx-faint);pointer-events:none}
.cx-affix.pre{left:16px;font-weight:500}
.cx-affix.suf{right:16px}
.cx-select::after{content:'';position:absolute;right:16px;top:50%;width:7px;height:7px;border-right:1.5px solid var(--mid);border-bottom:1.5px solid var(--mid);transform:translateY(-70%) rotate(45deg);pointer-events:none}
.cx-input select{padding-right:40px;cursor:pointer}
.cx-fieldnote{font-size:.74rem!important;line-height:1.6!important;color:var(--cx-faint)!important;margin-top:auto!important;padding-top:20px}
.cx-compare{margin-top:22px}
.cx-result{display:flex;flex-direction:column;padding:32px}
.cx-result .cx-btn{margin-top:auto}
.cx-result .cx-rows{margin-bottom:26px}
@media (max-width:520px){.cx-card,.cx-result{padding:22px}.cx-fields{gap:16px 12px}.cx-input.has-suf input{padding-right:58px}}
.cx-result .cx-compare{margin:0 0 22px}
.cx-result .cx-compare .cell{background:rgba(255,255,255,.07)}
.cx-result .cx-compare .cell span{color:rgba(255,255,255,.5)}
.cx-result .cx-compare .cell b{color:#fff}

/* ===== original calculator design (matches calculator.html) ===== */
body{background:var(--sand)}

/* ── PAGE HEADER ── */
.page-header{background:var(--dark2);padding:72px 48px 64px;text-align:center;position:relative;overflow:hidden}
.page-header::before{content:'';position:absolute;left:0;top:0;bottom:0;width:3px;background:var(--orange)}
.page-header .sec-label{font-size:.68rem;font-weight:400;letter-spacing:.22em;text-transform:uppercase;color:rgba(255,255,255,.35);display:inline-flex;align-items:center;gap:10px;margin-bottom:20px}
.page-header .sec-label::before{content:'◆';color:var(--orange);font-size:.42rem}
.page-header h1{font-family:var(--serif);font-size:clamp(2.2rem,5vw,3.8rem);font-weight:400;line-height:1.08;letter-spacing:-.015em;color:#fff;margin-bottom:16px}
.page-header h1 em{font-style:italic}
.page-header p{font-size:.93rem;font-weight:300;color:rgba(255,255,255,.50);line-height:1.8;max-width:500px;margin:0 auto}

/* ── MAIN LAYOUT ── */
.calc-main{max-width:1100px;margin:0 auto;padding:64px 48px 80px;display:grid;grid-template-columns:1fr 380px;gap:48px;align-items:start}

/* ── TABS ── */
.tabs{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:32px}
.tab{font-family:var(--sans);font-size:.72rem;font-weight:500;letter-spacing:.08em;text-transform:uppercase;padding:9px 16px;border-radius:100px;border:1px solid var(--border);background:transparent;color:var(--faint);cursor:pointer;transition:all .2s;white-space:nowrap}
.tab:hover{border-color:var(--ink);color:var(--ink)}
.tab.active{background:var(--ink);color:#fff;border-color:var(--ink)}

/* ── CALC CARD ── */
.calc-card{background:var(--white);border-radius:14px;padding:40px;box-shadow:0 4px 32px rgba(22,20,15,.08),0 1px 4px rgba(22,20,15,.04)}
.calc-title{font-family:var(--serif);font-size:1.5rem;font-weight:400;color:var(--ink);margin-bottom:28px;line-height:1.2}
.calc-title em{font-style:italic}
.calc-row{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:16px}
.field-full{margin-bottom:16px}
.field label{display:block;font-size:.62rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--mid);margin-bottom:8px}
.field input,.field select{width:100%;font-family:var(--sans);font-size:.95rem;font-weight:300;color:var(--ink);background:var(--sand);border:1px solid var(--border);border-radius:8px;padding:13px 16px;outline:none;-webkit-appearance:none;appearance:none;transition:border-color .2s,box-shadow .2s}
.field input:focus,.field select:focus{border-color:var(--orange);box-shadow:0 0 0 3px rgba(240,108,0,.10)}
.field select{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%235a5348' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center;padding-right:36px;cursor:pointer}
.field-hint{font-size:.72rem;color:var(--faint);margin-top:6px;display:block}

/* ── RESULT ── */
.result-box{background:var(--sand);border-radius:10px;padding:22px 24px;margin:20px 0;display:flex;justify-content:space-between;align-items:center;gap:16px;border:1px solid var(--border)}
.result-label{font-size:.63rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--faint);line-height:1.4}
.result-num{font-family:var(--serif);font-size:2.6rem;font-style:italic;font-weight:400;color:var(--ink);line-height:1;white-space:nowrap}

/* ── BREAKDOWN ── */
.breakdown{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-bottom:20px}
.breakdown-item{background:var(--sand);border-radius:8px;padding:14px 16px;border:1px solid var(--border)}
.breakdown-label{font-size:.60rem;font-weight:600;letter-spacing:.10em;text-transform:uppercase;color:var(--faint);margin-bottom:4px}
.breakdown-val{font-family:var(--serif);font-size:1.1rem;font-style:italic;color:var(--ink)}

.disclaimer{font-size:.68rem;color:var(--faint);line-height:1.7;margin-bottom:20px;padding-top:4px}
.calc-btn{width:100%;font-family:var(--sans);font-size:.76rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;background:var(--ink);color:var(--white);border:none;border-radius:6px;padding:16px 20px;cursor:pointer;display:flex;align-items:center;justify-content:center;gap:8px;transition:background .22s;min-height:50px}
.calc-btn:hover{background:var(--orange)}

/* ── SIDEBAR ── */
.sidebar{display:flex;flex-direction:column;gap:20px}
.info-card{background:var(--white);border-radius:12px;padding:28px;border:1px solid var(--border)}
.info-card-title{font-family:var(--serif);font-size:1.1rem;font-weight:400;color:var(--ink);margin-bottom:16px}
.info-card-title em{font-style:italic}
.info-list{list-style:none;display:flex;flex-direction:column;gap:12px}
.info-list li{font-size:.83rem;font-weight:300;color:var(--mid);line-height:1.6;padding-left:16px;position:relative}
.info-list li::before{content:'◆';color:var(--orange);font-size:.35rem;position:absolute;left:0;top:6px}
.nick-card{background:var(--dark);border-radius:12px;padding:28px;color:#fff}
.nick-eyebrow{font-size:.65rem;font-weight:400;letter-spacing:.18em;text-transform:uppercase;color:rgba(255,255,255,.35);margin-bottom:14px;display:flex;align-items:center;gap:8px}
.nick-eyebrow::before{content:'◆';color:var(--orange);font-size:.38rem}
.nick-card h3{font-family:var(--serif);font-size:1.2rem;font-weight:400;color:#fff;line-height:1.3;margin-bottom:10px}
.nick-card h3 em{font-style:italic}
.nick-card p{font-size:.82rem;font-weight:300;color:rgba(255,255,255,.50);line-height:1.7;margin-bottom:20px}
.btn-orange-solid{display:inline-flex;align-items:center;gap:7px;width:100%;justify-content:center;font-family:var(--sans);font-size:.72rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;background:var(--orange);color:#fff;border:none;border-radius:4px;padding:13px 18px;cursor:pointer;transition:opacity .2s}
.btn-orange-solid:hover{opacity:.88}
.btn-phone-dark{display:inline-flex;align-items:center;gap:7px;width:100%;justify-content:center;font-family:var(--sans);font-size:.72rem;font-weight:400;color:rgba(255,255,255,.60);background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.12);border-radius:4px;padding:11px 18px;cursor:pointer;margin-top:8px;transition:background .2s;text-decoration:none}
.btn-phone-dark:hover{background:rgba(255,255,255,.14);color:#fff}

/* ── RELATED ── */
.related{max-width:1100px;margin:0 auto;padding:0 48px 72px}
.related-label{font-size:.68rem;font-weight:400;letter-spacing:.18em;text-transform:uppercase;color:var(--faint);margin-bottom:16px}
.related-pills{display:flex;flex-wrap:wrap;gap:8px}
.pill-btn{background:none;border:1px solid var(--border);border-radius:100px;padding:8px 18px;font-family:var(--sans);font-size:.75rem;font-weight:400;color:var(--mid);cursor:pointer;transition:border-color .2s,color .2s,background .2s;text-decoration:none;display:inline-block}
.pill-btn:hover{border-color:var(--ink);color:var(--ink);background:rgba(22,20,15,.04)}

/* ── RESPONSIVE ── */
@media(max-width:960px){
  .calc-main{grid-template-columns:1fr;gap:32px;padding:48px 24px 64px}
  .page-header{padding:56px 24px 48px}
  .related{padding:0 24px 56px}
}
@media(max-width:640px){
  .calc-row{grid-template-columns:1fr}
  .breakdown{grid-template-columns:1fr 1fr}
  .calc-card{padding:28px 20px}
  .result-num{font-size:2.1rem}
  .page-header{padding:48px 20px 40px}
  .calc-main{padding:40px 20px 56px}
  .related{padding:0 20px 48px}
  .tabs{gap:6px}
  .tab{font-size:.68rem;padding:8px 12px}
}
@media(max-width:380px){
  .breakdown{grid-template-columns:1fr}
  .result-num{font-size:1.9rem}
}

/* ── CALCULATOR MOBILE FIXES ── */
@media(max-width:480px){
  .calc-layout{grid-template-columns:1fr}
  .calc-card{padding:24px 18px}
  .calc-row{grid-template-columns:1fr}
  .breakdown{grid-template-columns:1fr}
  .result-num{font-size:2rem}
}
.breakdown--2{grid-template-columns:repeat(2,1fr)}
.cx-crumbs{display:flex;justify-content:center;flex-wrap:wrap;gap:0}
.page-header .cx-crumbs a,.page-header .cx-byline a{color:rgba(255,255,255,.6)}
.page-header .cx-byline{font-size:.74rem;color:rgba(255,255,255,.45)}
.calc-btn{text-decoration:none;justify-content:center}
.btn-orange-solid,.btn-phone-dark,.calc-btn{text-decoration:none!important}.page-header .cx-crumbs a{text-decoration:none}