:root{
  --blue:#073781;
  --blue2:#0f5ea8;
  --gold:#dea313;
  --gold2:#f0b728;
  --ink:#101218;
  --muted:#4a4f5c;
  --line:#dfe4ed;
  --soft:#f7f9fc;
  --white:#fff;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.55}
a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}.container-wide{max-width:1420px;margin:0 auto;padding:0 64px}.container{max-width:1160px;margin:0 auto;padding:0 24px}.site-header{background:#fff;border:1px solid #d7d7d7;border-bottom:0}.top-header{min-height:166px;display:flex;align-items:center;justify-content:space-between;gap:30px}.brand-logo img{width:min(525px,45vw);height:auto;display:block}.header-tagline{text-align:right;font-size:1.33rem;line-height:1.45;color:#000}.header-tagline strong,.header-tagline span{display:block}.nav-bar{background:linear-gradient(90deg,var(--blue),var(--blue2));box-shadow:0 2px 8px rgba(7,55,129,.22)}.nav-inner{height:70px;display:flex;align-items:center;justify-content:space-between;gap:22px}.main-nav{display:flex;align-items:stretch;gap:38px;height:100%}.main-nav a{display:flex;align-items:center;position:relative;color:#fff;text-transform:uppercase;font-weight:800;font-size:1rem;letter-spacing:.01em;text-decoration:none}.main-nav a.active:after,.main-nav a:hover:after{content:"";position:absolute;left:0;right:0;bottom:12px;height:4px;background:var(--gold2)}.main-nav span{font-size:.9rem;margin-left:6px}.nav-cta,.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;border:0;border-radius:6px;background:linear-gradient(180deg,var(--gold2),#d79a07);color:#fff!important;text-transform:uppercase;font-weight:900;letter-spacing:.01em;padding:14px 26px;text-decoration:none;box-shadow:inset 0 1px 0 rgba(255,255,255,.35),0 3px 8px rgba(0,0,0,.12);cursor:pointer}.nav-cta:hover,.btn:hover{text-decoration:none;filter:brightness(.98)}.btn.blue{background:linear-gradient(180deg,#1b68b2,var(--blue))}.btn.dark{background:var(--blue)}.btn-row{display:flex;gap:20px;flex-wrap:wrap;margin-top:24px}.menu-toggle{display:none;background:#fff;color:var(--blue);border:0;border-radius:6px;padding:10px 14px;font-weight:800}.home-wrap{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:30px;padding-top:28px;padding-bottom:28px}.hero-card{display:grid;grid-template-columns:1.13fr .87fr;gap:28px;align-items:center}.hero-copy h1{font-size:clamp(2.6rem,4.3vw,4.3rem);line-height:1.11;margin:0 0 18px;font-weight:900;letter-spacing:-.05em;color:#111}.hero-copy h1 span{display:block;color:var(--blue)}.hero-copy p{font-size:1.15rem;max-width:660px;margin:0;color:#111}.hero-img{width:100%;border-radius:4px;display:block}.tool-strip{margin-top:28px}.section-title-row{display:flex;align-items:center;gap:28px;margin:0 0 22px}.section-title-row:before,.section-title-row:after{content:"";height:1px;background:#9db7d7;flex:1}.section-title-row h2{margin:0;color:var(--blue);font-size:1.55rem;text-transform:uppercase;letter-spacing:.03em;text-align:center}.tool-icons{display:grid;grid-template-columns:repeat(6,1fr);gap:14px}.tool-icon-card{background:#fff;border:1px solid var(--line);border-radius:8px;min-height:156px;display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;padding:15px;color:#001b65;box-shadow:0 3px 10px rgba(0,0,0,.04)}.tool-icon-card:hover{text-decoration:none;border-color:#a9bfdc;transform:translateY(-2px)}.tool-icon{font-size:3.1rem;line-height:1;margin-bottom:12px;color:var(--blue)}.tool-icon-card span:last-child{font-size:1.08rem;line-height:1.2}.center{text-align:center}.sidebar{display:grid;gap:16px;align-content:start}.promo-card{border:1px solid #d8dce4;border-radius:6px;background:#fff;overflow:hidden;box-shadow:0 2px 8px rgba(0,0,0,.04)}.promo-card h3{margin:0;padding:10px 18px;background:linear-gradient(90deg,var(--blue),#023073);color:#fff;text-align:center;text-transform:uppercase;font-size:1.15rem}.promo-body{padding:20px 22px}.promo-img{display:block;width:100%;height:auto;margin:0 auto 18px}.skool-logo{max-width:170px}.promo-body p{font-size:1rem;margin:0 0 18px;color:#151515}.page-hero{background:#f6f8fb;border-bottom:1px solid var(--line);padding:44px 0}.page-hero h1{font-size:clamp(2.1rem,4vw,3.4rem);margin:0 0 10px;color:#111;line-height:1.05}.page-hero p{max-width:850px;margin:0;color:var(--muted);font-size:1.15rem}.section{padding:48px 0}.section.alt{background:var(--soft)}.section h2{font-size:2rem;color:var(--blue);margin:0 0 14px}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.card,.content{background:#fff;border:1px solid var(--line);border-radius:12px;padding:24px;box-shadow:0 4px 16px rgba(0,0,0,.04)}.card h3{margin-top:0;color:var(--blue)}.card a{font-weight:800}.content{padding:34px}.content h1{font-size:2.4rem;line-height:1.1;margin-top:0}.content h2{color:var(--blue);margin-top:30px}.tool-form{display:grid;gap:14px;margin-top:20px}.tool-form label{font-weight:800;color:#172033}.tool-form input,.tool-form textarea{width:100%;padding:13px;border:1px solid #cfd7e4;border-radius:7px;font-size:1rem;margin-top:5px}.result{background:#eef6ff;border-left:5px solid var(--blue);padding:16px;border-radius:8px;margin-top:10px;font-weight:700}.cta-box{background:linear-gradient(90deg,var(--blue),var(--blue2));color:white;border-radius:12px;padding:32px;display:flex;align-items:center;justify-content:space-between;gap:24px}.cta-box h2{color:#fff;margin-top:0}.ad-placeholder{border:1px dashed #bbb;background:#fafafa;border-radius:10px;padding:18px;text-align:center;color:#777;margin:24px 0}.legal-note{font-size:.92rem;color:var(--muted)}.site-footer{background:#071d43;color:white;padding:42px 0 18px;margin-top:34px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:34px}.footer-logo{width:280px;max-width:100%;background:#fff;border-radius:4px;padding:8px;margin-bottom:12px}.site-footer a{display:block;color:#f7c547;margin:8px 0}.footer-bottom{border-top:1px solid rgba(255,255,255,.18);margin-top:24px;padding-top:16px;color:#d9e2f3;font-size:.92rem}@media(max-width:1050px){.container-wide{padding:0 28px}.home-wrap{grid-template-columns:1fr}.hero-card{grid-template-columns:1fr}.tool-icons{grid-template-columns:repeat(3,1fr)}.sidebar{grid-template-columns:repeat(2,1fr)}.header-tagline{font-size:1.05rem}.main-nav{gap:20px}.nav-cta{padding:12px 18px}}@media(max-width:760px){.top-header{min-height:auto;padding-top:18px;padding-bottom:18px;flex-direction:column;text-align:center}.brand-logo img{width:min(500px,92vw)}.header-tagline{text-align:center;font-size:1rem}.nav-inner{height:auto;min-height:62px;padding-top:10px;padding-bottom:10px;align-items:flex-start}.menu-toggle{display:block}.main-nav{display:none;position:absolute;left:20px;right:20px;top:232px;z-index:10;background:var(--blue);height:auto;padding:12px;border-radius:10px;box-shadow:0 12px 28px rgba(0,0,0,.24)}.main-nav.open{display:grid}.main-nav a{padding:10px 6px}.nav-cta{margin-left:auto;font-size:.85rem;padding:10px 12px}.home-wrap{padding-top:22px}.hero-copy h1{font-size:2.6rem}.tool-icons,.grid,.footer-grid,.sidebar{grid-template-columns:1fr}.cta-box{display:block}.btn-row .btn{width:100%}.container-wide,.container{padding-left:18px;padding-right:18px}}

/* Advanced Budget Calculator */
.budget-tool-page .content{max-width:1180px;margin:0 auto}.tool-intro-grid{display:grid;grid-template-columns:1fr 330px;gap:24px;align-items:start}.advanced-budget-form{margin-top:22px;border-top:1px solid var(--line);padding-top:10px}.advanced-budget-form h2{font-size:1.45rem;margin:26px 0 12px}.form-grid{display:grid;gap:16px}.form-grid.two{grid-template-columns:repeat(2,1fr)}.form-grid.three{grid-template-columns:repeat(3,1fr)}.advanced-budget-form label{font-weight:800;color:#172033}.advanced-budget-form input,.advanced-budget-form select{width:100%;padding:13px;border:1px solid #cfd7e4;border-radius:7px;font-size:1rem;margin-top:5px;background:#fff}.budget-results{margin-top:28px}.results-panel{border:1px solid var(--line);border-radius:14px;background:#fff;box-shadow:0 8px 28px rgba(7,55,129,.08);padding:26px}.results-header{display:flex;justify-content:space-between;align-items:center;gap:18px;border-bottom:1px solid var(--line);padding-bottom:16px;margin-bottom:20px}.results-header h2{margin:0 0 4px}.results-header p{margin:0;color:var(--muted)}.summary-cards{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin:18px 0 24px}.summary-card{background:#f7f9fc;border:1px solid var(--line);border-radius:12px;padding:18px}.summary-card span{display:block;color:var(--muted);font-weight:800;font-size:.88rem;text-transform:uppercase}.summary-card strong{display:block;color:var(--blue);font-size:1.55rem;line-height:1.15;margin-top:6px}.summary-card em{display:block;color:#333;font-style:normal;font-weight:700;margin-top:4px}.summary-card.positive strong{color:#087a3b}.summary-card.negative strong{color:#b42318}.summary-card.neutral strong{color:#555}.budget-progress-row{margin:14px 0 18px}.budget-progress-head{display:flex;justify-content:space-between;gap:18px;margin-bottom:6px}.budget-progress-track{height:14px;background:#e8edf5;border-radius:99px;overflow:hidden}.budget-progress-track div{height:100%;background:linear-gradient(90deg,var(--blue),var(--gold));border-radius:99px}.budget-progress-row small{display:block;color:var(--muted);margin-top:5px}.comparison-grid,.budget-models-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:18px 0 22px}.model-card{background:#fbfcff;border:1px solid var(--line);border-radius:12px;padding:18px}.model-card.compact{padding:18px}.model-card h3{color:var(--blue);margin:0 0 8px}.model-card p{margin:7px 0}.model-card ul{margin:8px 0 0;padding-left:20px}.zero-result{border-left:5px solid #777;background:#f8f8f8;padding:16px;border-radius:8px}.zero-result.positive{border-left-color:#087a3b;background:#effaf3}.zero-result.negative{border-left-color:#b42318;background:#fff1f0}.action-list{background:#f7f9fc;border:1px solid var(--line);border-radius:12px;padding:18px 18px 18px 42px}.action-list li{margin:8px 0}@media(max-width:900px){.tool-intro-grid,.form-grid.two,.form-grid.three,.summary-cards,.comparison-grid,.budget-models-grid{grid-template-columns:1fr}.results-header{display:block}.results-header .btn{margin-top:14px}}@media print{.site-header,.site-footer,.nav-bar,.ad-placeholder,.btn-row,.results-header .btn{display:none!important}.content,.results-panel{box-shadow:none;border:0}.section{padding:0}.container{max-width:none}}

/* Detailed Budget Planner */
.budget-planner-page .planner-layout{display:grid;grid-template-columns:minmax(0,1fr) 330px;gap:28px;align-items:start}.planner-main{padding:34px}.planner-models{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin:24px 0}.planner-form{margin-top:28px;border-top:1px solid var(--line);padding-top:10px}.planner-form h2{font-size:1.45rem;margin:28px 0 12px}.planner-form label{font-weight:800;color:#172033}.planner-form input,.planner-form select{width:100%;padding:13px;border:1px solid #cfd7e4;border-radius:7px;font-size:1rem;margin-top:5px;background:#fff}.planner-actions{display:flex;gap:14px;flex-wrap:wrap;margin:28px 0}.planner-results{margin-top:28px}.planner-panel{border:1px solid var(--line);border-radius:14px;background:#fff;box-shadow:0 8px 28px rgba(7,55,129,.08);padding:26px}.planner-panel h2{margin-top:0}.planner-score{display:inline-flex;align-items:center;justify-content:center;min-width:94px;height:94px;border-radius:50%;background:linear-gradient(180deg,var(--gold2),#d79a07);color:white;font-weight:900;font-size:1.4rem;box-shadow:0 6px 18px rgba(0,0,0,.12)}.planner-topline{display:flex;justify-content:space-between;gap:18px;align-items:center;border-bottom:1px solid var(--line);padding-bottom:18px;margin-bottom:20px}.planner-summary{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin:18px 0 24px}.planner-summary .summary-card{min-height:112px}.planner-table{width:100%;border-collapse:collapse;margin:16px 0 24px}.planner-table th,.planner-table td{border:1px solid var(--line);padding:11px;text-align:left}.planner-table th{background:#f3f6fb;color:var(--blue)}.planner-table td:last-child{text-align:right;font-weight:800}.planner-pill{display:inline-block;border-radius:999px;padding:5px 10px;font-size:.83rem;font-weight:900;text-transform:uppercase}.planner-pill.good{background:#e9f8ef;color:#106b32}.planner-pill.warn{background:#fff8dd;color:#946400}.planner-pill.bad{background:#ffecec;color:#9f1d1d}.envelope-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:14px 0}.envelope-card{border:1px solid var(--line);background:#f9fbff;border-radius:10px;padding:14px}.envelope-card strong{display:block;color:var(--blue);font-size:1.05rem}.envelope-card span{display:block;color:var(--muted);font-size:.9rem}.weekly-plan{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:14px}.weekly-box{background:#f7f9fc;border:1px solid var(--line);border-radius:10px;padding:14px}.weekly-box strong{display:block;color:var(--blue);margin-bottom:6px}.priority-list li{margin:8px 0}.weekly-checklist{display:grid;gap:10px;background:#f7f9fc;border:1px solid var(--line);border-radius:12px;padding:18px;margin:15px 0 24px}.weekly-checklist label{font-weight:700}.planner-sidebar{display:grid;gap:16px;align-content:start;position:sticky;top:16px}.related-links a{display:block;margin:9px 0;font-weight:800}.print-only{display:none}@media(max-width:1100px){.budget-planner-page .planner-layout{grid-template-columns:1fr}.planner-sidebar{position:static;grid-template-columns:repeat(3,1fr)}.planner-models{grid-template-columns:repeat(2,1fr)}.weekly-plan{grid-template-columns:repeat(2,1fr)}}@media(max-width:760px){.planner-sidebar,.planner-models,.planner-summary,.envelope-grid,.weekly-plan{grid-template-columns:1fr}.planner-topline{display:block}.planner-score{margin-top:14px}.planner-actions .btn{width:100%}.planner-table{font-size:.9rem}}@media print{.site-header,.site-footer,.nav-bar,.planner-sidebar,.ad-placeholder,.btn-row,.planner-actions{display:none!important}.content,.planner-panel{box-shadow:none;border:1px solid #ccc}.budget-planner-page .planner-layout{display:block}.print-only{display:block}body{background:white}}


/* Budget Planner Help / Tutorial Enhancements */
.help-tip{display:inline-flex;align-items:center;justify-content:center;width:19px;height:19px;border-radius:50%;background:var(--blue,#0d6efd);color:#fff;font-size:12px;font-weight:900;cursor:help;margin-left:6px;position:relative;vertical-align:middle;line-height:1;outline:none}.help-tip:hover::after,.help-tip:focus::after{content:attr(data-tip);position:absolute;bottom:28px;left:50%;transform:translateX(-50%);background:#132238;color:#fff;padding:11px 12px;width:260px;max-width:78vw;border-radius:10px;font-size:13px;font-weight:600;line-height:1.45;z-index:9999;box-shadow:0 10px 28px rgba(0,0,0,.25);text-align:left}.help-tip:hover::before,.help-tip:focus::before{content:"";position:absolute;bottom:21px;left:50%;transform:translateX(-50%);border-width:7px 7px 0 7px;border-style:solid;border-color:#132238 transparent transparent transparent;z-index:10000}.tutorial-box{background:#f8fafc;border:1px solid var(--line,#dbe3ef);border-left:6px solid var(--blue,#0d6efd);padding:24px 26px;margin:28px 0;border-radius:14px;box-shadow:0 4px 16px rgba(0,0,0,.04)}.tutorial-box h2{margin-top:0;color:var(--blue,#0d6efd)}.tutorial-box h3{color:#172033;margin-top:22px;margin-bottom:8px}.tutorial-box p,.tutorial-box li{line-height:1.65}.intro-help-box{background:linear-gradient(180deg,#ffffff,#f7fbff)}.field-section-note{background:#f7f9fc;border-left:4px solid var(--gold,#f0b429);padding:12px 14px;border-radius:8px;color:#334155;margin:0 0 14px}.btn.gray{background:#eef2f7;color:#172033;border:1px solid #cbd5e1}.btn.gray:hover{background:#dbe4ee}@media(max-width:760px){.help-tip:hover::after,.help-tip:focus::after{left:auto;right:-20px;transform:none;width:230px}.tutorial-box{padding:20px 18px}}