:root {
  --planner-ink: #083d2f;
  --planner-ink-soft: #23473d;
  --planner-copy: #344054;
  --planner-muted: #687386;
  --planner-primary: #8eea99;
  --planner-primary-strong: #4fd675;
  --planner-focus: #0b8f55;
  --planner-surface: #fdfaf4;
  --planner-surface-raised: #ffffff;
  --planner-surface-soft: #f3f7f3;
  --planner-border: rgba(8, 61, 47, 0.14);
  --planner-shadow: 0 1.4rem 3.8rem rgba(15, 53, 42, 0.14);
  --planner-yellow: #f5b92f;
  --planner-purple: #a66ee8;
  --planner-blue: #6ba9e8;
}

* {
  box-sizing: border-box;
}

html {
  min-width: 320px;
  background: var(--planner-surface);
}

body {
  margin: 0;
}

button,
input {
  font: inherit;
}

button,
a,
summary,
label {
  -webkit-tap-highlight-color: transparent;
}

button,
summary,
label,
input[type='range'] {
  cursor: pointer;
}

button:focus-visible,
a:focus-visible,
summary:focus-visible,
input:focus-visible {
  outline: 0.2rem solid rgba(11, 143, 85, 0.45);
  outline-offset: 0.2rem;
}

.planner-page {
  width: 100%;
  min-height: 100svh;
  overflow-x: hidden;
  background: var(--planner-surface);
  color: var(--planner-ink);
  font-family: 'Manrope', sans-serif;
  text-rendering: optimizeLegibility;
}

.planner-shell {
  width: 100%;
  min-height: 100svh;
  display: grid;
  grid-template-columns: minmax(0, 54fr) minmax(31rem, 46fr);
  align-items: stretch;
  overflow: visible;
  background: #073f32;
}

.planner-visual {
  position: relative;
  height: 100svh;
  align-self: start;
  min-width: 0;
  overflow: hidden;
  background: #073f32;
}

.planner-visual picture {
  position: absolute;
  inset: 0;
  display: block;
  width: 100%;
  height: 100%;
}

.planner-journey-image {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
}

.planner-visual::after {
  content: '';
  position: absolute;
  inset: 0;
  pointer-events: none;
  box-shadow: inset -2rem 0 3rem rgba(1, 28, 21, 0.08);
}

.journey-milestone {
  position: absolute;
  z-index: 2;
  display: flex;
  align-items: center;
  gap: 0.85rem;
  min-width: 10.5rem;
  padding: 0.5rem 1rem 0.5rem 0.55rem;
  border: 1px solid rgba(235, 255, 237, 0.62);
  border-radius: 1rem;
  background: rgba(4, 63, 43, 0.82);
  box-shadow:
    inset 0 0 0 1px rgba(255, 255, 255, 0.08),
    0 1rem 2.5rem rgba(0, 26, 19, 0.3);
  color: #fff;
  font-size: clamp(0.9rem, 1.2vw, 1.15rem);
  font-weight: 700;
  backdrop-filter: blur(0.75rem);
  transition:
    opacity 220ms ease,
    transform 220ms ease;
}

.milestone-gem {
  width: 2.75rem;
  height: 2.75rem;
  display: grid;
  flex: 0 0 auto;
  place-items: center;
  border-radius: 0.85rem;
  color: #fff;
}

.milestone-gem svg {
  width: 1.45rem;
  height: 1.45rem;
  color: #fff;
  stroke-width: 1.8;
}

.milestone-gem-yellow {
  background: var(--planner-yellow);
  box-shadow: 0 0 1.25rem rgba(245, 185, 47, 0.48);
}

.milestone-gem-green {
  background: #5ad87b;
  box-shadow: 0 0 1.25rem rgba(90, 216, 123, 0.45);
}

.milestone-gem-purple {
  background: var(--planner-purple);
  box-shadow: 0 0 1.25rem rgba(166, 110, 232, 0.45);
}

.milestone-deposit {
  bottom: 13%;
  left: 46%;
}

.milestone-mortgage {
  top: 55%;
  right: 8%;
}

.milestone-rest {
  top: 39%;
  right: 15%;
}

.planner-content {
  position: relative;
  z-index: 3;
  min-width: 0;
  min-height: 100svh;
  margin-left: -4rem;
  overflow: visible;
  border-radius: clamp(5rem, 8vw, 8rem) 0 0 clamp(5rem, 8vw, 8rem);
  background: var(--planner-surface);
}

.planner-content-inner {
  min-height: 100svh;
  padding: clamp(2.5rem, 5vh, 4.5rem) clamp(3.25rem, 5vw, 5.75rem);
}

.planner-brand {
  display: inline-flex;
  width: fit-content;
  align-items: center;
  gap: 0.75rem;
  color: var(--planner-ink);
  font-size: clamp(1.3rem, 2vw, 1.75rem);
  font-weight: 800;
  letter-spacing: -0.045em;
  text-decoration: none;
}

.planner-brand img {
  width: 2.9rem;
  height: 2.9rem;
  object-fit: contain;
}

.planner-progress {
  position: relative;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0.5rem;
  max-width: 31rem;
  margin: 2rem 0 0;
  padding: 0;
  list-style: none;
}

.planner-progress[hidden] {
  display: none;
}

.planner-progress::before {
  content: '';
  position: absolute;
  top: 1rem;
  right: 10%;
  left: 10%;
  height: 0.12rem;
  background: #dbe6df;
}

.planner-progress li {
  position: relative;
  z-index: 1;
  display: grid;
  justify-items: center;
  gap: 0.35rem;
  color: #829087;
  font-size: 0.7rem;
  font-weight: 700;
}

.planner-progress li span {
  width: 2rem;
  height: 2rem;
  display: grid;
  place-items: center;
  border: 0.12rem solid #dbe6df;
  border-radius: 50%;
  background: var(--planner-surface);
}

.planner-progress li.is-active,
.planner-progress li.is-complete {
  color: var(--planner-ink);
}

.planner-progress li.is-active span,
.planner-progress li.is-complete span {
  border-color: var(--planner-primary-strong);
  background: #ddf7e3;
  color: var(--planner-ink);
}

.planner-stages {
  margin: 0;
}

.planner-stage {
  width: 100%;
  max-width: 39rem;
  margin: clamp(3rem, 9vh, 7rem) 0 2rem;
  animation: planner-stage-in 240ms ease both;
}

.planner-stage[hidden] {
  display: none;
}

.planner-stage [tabindex='-1']:focus {
  outline: none;
}

.planner-intro {
  margin-top: clamp(4rem, 12vh, 8rem);
}

.planner-intro h1,
.planner-step-screen h2,
.planner-results h2 {
  max-width: 36rem;
  margin: 0;
  color: var(--planner-ink);
  font-size: clamp(2.65rem, 4vw, 4.15rem);
  font-weight: 800;
  letter-spacing: -0.065em;
  line-height: 1.02;
  text-wrap: balance;
}

.planner-step-screen h2 {
  font-size: clamp(2.35rem, 3.6vw, 3.6rem);
}

.planner-lead,
.questions-lead {
  max-width: 36rem;
  margin: 1.45rem 0 0;
  color: var(--planner-copy);
  font-size: clamp(1rem, 1.3vw, 1.2rem);
  font-weight: 500;
  line-height: 1.6;
}

.planner-benefits {
  display: grid;
  gap: 0.8rem;
  margin: 1.8rem 0 2rem;
  padding: 0;
  list-style: none;
}

.planner-benefits li {
  display: flex;
  align-items: center;
  gap: 1rem;
  color: #1d2939;
  font-size: 1rem;
  font-weight: 650;
}

.benefit-icon,
.metric-icon,
.ownership-icon {
  display: grid;
  flex: 0 0 auto;
  place-items: center;
  border-radius: 50%;
  background: #dff4df;
  color: #12583e;
}

.benefit-icon {
  width: 2.65rem;
  height: 2.65rem;
}

.benefit-icon svg,
.ownership-icon svg {
  width: 1.25rem;
  height: 1.25rem;
  stroke-width: 2;
}

.planner-primary-action {
  min-height: 4.35rem;
  display: flex;
  width: 100%;
  align-items: center;
  justify-content: center;
  gap: 1.1rem;
  padding: 0.9rem 1.4rem;
  border: 1px solid rgba(7, 63, 50, 0.08);
  border-radius: 1rem;
  background: var(--planner-primary);
  box-shadow: 0 1rem 2.2rem rgba(51, 197, 92, 0.18);
  color: #092e24;
  font-size: 1.06rem;
  font-weight: 800;
  text-align: center;
  text-decoration: none;
  transition:
    background 180ms ease,
    box-shadow 180ms ease,
    transform 180ms ease;
}

.planner-primary-action:hover {
  background: #7fe78c;
  box-shadow: 0 1.25rem 2.8rem rgba(51, 197, 92, 0.28);
  transform: translateY(-0.1rem);
}

.planner-primary-action svg {
  width: 1.45rem;
  height: 1.45rem;
}

.planner-trust,
.planner-privacy-note {
  display: flex;
  align-items: center;
  gap: 0.65rem;
  margin: 1.3rem 0 0;
  color: var(--planner-muted);
  font-size: 0.82rem;
  font-weight: 500;
  line-height: 1.45;
}

.planner-trust svg,
.planner-privacy-note svg {
  width: 1.15rem;
  height: 1.15rem;
  flex: 0 0 auto;
}

.planner-back {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  margin: 0 0 1.5rem;
  padding: 0.45rem 0.65rem 0.45rem 0;
  border: 0;
  background: transparent;
  color: #496158;
  font-weight: 750;
}

.planner-back svg {
  width: 1.15rem;
  height: 1.15rem;
}

.planner-step,
.panel-kicker {
  margin: 0 0 0.65rem;
  color: #14844f;
  font-size: 0.75rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.money-fields {
  display: grid;
  gap: 1.15rem;
  margin-top: 1.8rem;
}

.money-field {
  display: grid;
  gap: 0.5rem;
  margin-top: 1.4rem;
  color: #263d35;
  font-size: 0.9rem;
  font-weight: 750;
  line-height: 1.4;
}

.money-fields .money-field {
  margin-top: 0;
}

.field-hint {
  color: var(--planner-muted);
  font-size: 0.78rem;
  font-weight: 500;
}

.money-input-wrap {
  position: relative;
  display: block;
}

.currency-prefix {
  position: absolute;
  top: 50%;
  left: 1rem;
  z-index: 1;
  color: #344f46;
  font-weight: 800;
  transform: translateY(-50%);
  pointer-events: none;
}

.money-field input {
  width: 100%;
  min-height: 3.6rem;
  padding: 0.8rem 1rem 0.8rem 2.25rem;
  border: 1px solid var(--planner-border);
  border-radius: 0.85rem;
  background: rgba(255, 255, 255, 0.88);
  color: #122a21;
  font-size: 1rem;
  font-weight: 750;
  appearance: textfield;
}

.money-field input[readonly] {
  background: #f2f4f2;
  color: #607169;
}

.money-field input::-webkit-inner-spin-button,
.money-field input::-webkit-outer-spin-button {
  appearance: none;
  margin: 0;
}

.money-field input:hover {
  border-color: rgba(11, 143, 85, 0.35);
}

.planner-actions {
  margin-top: 1.8rem;
}

.choice-group {
  margin: 1.65rem 0 0;
  padding: 0;
  border: 0;
}

.choice-group legend {
  margin-bottom: 0.7rem;
  color: #263d35;
  font-size: 0.9rem;
  font-weight: 750;
}

.choice-grid {
  display: grid;
  gap: 0.65rem;
}

.choice-grid-four {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.choice-grid-three {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.choice-card,
.ownership-card {
  position: relative;
  display: flex;
  min-height: 3.35rem;
  align-items: center;
  justify-content: center;
  gap: 0.55rem;
  padding: 0.75rem 1rem;
  border: 1px solid var(--planner-border);
  border-radius: 0.9rem;
  background: rgba(255, 255, 255, 0.72);
  color: var(--planner-ink-soft);
  font-size: 0.82rem;
  font-weight: 700;
  text-align: center;
  transition:
    border-color 160ms ease,
    background 160ms ease,
    box-shadow 160ms ease;
}

.choice-card input,
.ownership-card input {
  position: absolute;
  width: 1px;
  height: 1px;
  overflow: hidden;
  opacity: 0;
}

.choice-card > svg:last-child,
.ownership-card > svg:last-child {
  position: absolute;
  top: 0.45rem;
  right: 0.45rem;
  width: 1rem;
  height: 1rem;
  color: var(--planner-focus);
  opacity: 0;
}

.choice-card > svg:not(:last-child) {
  width: 1.1rem;
  height: 1.1rem;
}

.choice-card:has(input:checked),
.ownership-card:has(input:checked) {
  border-color: rgba(11, 143, 85, 0.58);
  background: #e7f8e9;
  box-shadow: 0 0 0 0.15rem rgba(11, 143, 85, 0.11);
}

.choice-card:has(input:focus-visible),
.ownership-card:has(input:focus-visible) {
  outline: 0.2rem solid rgba(11, 143, 85, 0.4);
  outline-offset: 0.15rem;
}

.choice-card:has(input:checked) > svg:last-child,
.ownership-card:has(input:checked) > svg:last-child {
  opacity: 1;
}

.shared-ownership-lever[hidden] {
  display: none;
}

.uncertain-toggle {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  margin-top: 0.8rem;
  color: var(--planner-ink-soft);
}

.uncertain-toggle input {
  position: absolute;
  width: 1px;
  height: 1px;
  overflow: hidden;
  opacity: 0;
}

.toggle-box {
  width: 1.35rem;
  height: 1.35rem;
  display: grid;
  flex: 0 0 auto;
  place-items: center;
  margin-top: 0.1rem;
  border: 1px solid var(--planner-border);
  border-radius: 0.35rem;
  background: #fff;
}

.toggle-box svg {
  width: 0.9rem;
  height: 0.9rem;
  opacity: 0;
}

.uncertain-toggle:has(input:checked) .toggle-box {
  border-color: var(--planner-focus);
  background: #ddf7e3;
  color: var(--planner-focus);
}

.uncertain-toggle:has(input:checked) .toggle-box svg {
  opacity: 1;
}

.uncertain-toggle strong,
.uncertain-toggle small {
  display: block;
}

.uncertain-toggle strong {
  font-size: 0.85rem;
}

.uncertain-toggle small {
  margin-top: 0.15rem;
  color: var(--planner-muted);
  font-size: 0.76rem;
  line-height: 1.45;
}

.ownership-options {
  display: grid;
  gap: 0.75rem;
}

.ownership-card {
  min-height: 4.8rem;
  justify-content: flex-start;
  padding: 0.85rem 2.35rem 0.85rem 0.9rem;
  text-align: left;
}

.ownership-icon {
  width: 2.55rem;
  height: 2.55rem;
}

.ownership-card strong,
.ownership-card small {
  display: block;
}

.ownership-card strong {
  color: var(--planner-ink);
  font-size: 0.92rem;
}

.ownership-card small {
  margin-top: 0.15rem;
  color: var(--planner-muted);
  font-size: 0.76rem;
  font-weight: 550;
  line-height: 1.4;
}

.education-card,
.cost-levers,
.mortgage-options details,
.planner-disclaimer details {
  margin-top: 1rem;
  border: 1px solid var(--planner-border);
  border-radius: 0.9rem;
  background: rgba(255, 255, 255, 0.62);
}

.education-card summary,
.mortgage-options summary,
.planner-disclaimer summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 0.9rem 1rem;
  color: var(--planner-ink);
  font-size: 0.84rem;
  font-weight: 750;
  list-style: none;
}

summary::-webkit-details-marker {
  display: none;
}

summary > svg {
  width: 1.1rem;
  height: 1.1rem;
  transition: transform 160ms ease;
}

details[open] > summary > svg {
  transform: rotate(180deg);
}

.education-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.75rem;
  padding: 0 1rem 1rem;
}

.education-grid div {
  padding: 0.85rem;
  border-radius: 0.75rem;
  background: var(--planner-surface-soft);
}

.education-grid strong {
  color: var(--planner-ink);
  font-size: 0.8rem;
}

.education-grid p,
.education-grid small {
  display: block;
  margin: 0.35rem 0 0;
  color: var(--planner-copy);
  font-size: 0.73rem;
  line-height: 1.5;
}

.education-grid small {
  color: var(--planner-muted);
}

.planner-results {
  max-width: none;
  margin-top: 2.5rem;
}

.planner-results h2 {
  font-size: clamp(2.7rem, 4vw, 4rem);
}

.results-layout {
  display: grid;
  grid-template-columns: minmax(15rem, 0.72fr) minmax(28rem, 1.28fr);
  grid-template-areas:
    'levers mortgage-choice'
    'levers plan'
    'cta cta';
  gap: 1.15rem;
  margin-top: 2rem;
}

.lever-panel,
.mortgage-choice-card,
.reality-card,
.result-metrics article,
.breakdown-card,
.borrowing-card,
.scenario-card,
.planner-disclaimer {
  border: 1px solid var(--planner-border);
  border-radius: 1.15rem;
  background: rgba(255, 255, 255, 0.78);
  box-shadow: 0 0.8rem 2.5rem rgba(15, 53, 42, 0.06);
}

.lever-panel {
  position: sticky;
  top: 0;
  grid-area: levers;
  height: fit-content;
  padding: 1.15rem;
}

.panel-heading {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 1rem;
}

.panel-heading h3 {
  margin: 0;
  color: var(--planner-ink);
  font-size: 1.1rem;
  letter-spacing: -0.03em;
}

.panel-heading > svg {
  width: 1.25rem;
  height: 1.25rem;
  color: var(--planner-focus);
}

.lever-row {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 0.45rem 0.75rem;
  margin-top: 1.1rem;
  color: var(--planner-ink-soft);
  font-size: 0.78rem;
  font-weight: 700;
}

.lever-row output {
  color: var(--planner-ink);
  font-weight: 800;
}

.lever-price-input {
  position: relative;
  display: flex;
  width: 9.25rem;
  align-items: center;
  justify-self: end;
}

.lever-price-input > span {
  position: absolute;
  left: 0.65rem;
  color: var(--planner-muted);
  font-size: 0.75rem;
  font-weight: 800;
  pointer-events: none;
}

.lever-price-input input {
  width: 100%;
  min-width: 0;
  padding: 0.35rem 0.55rem 0.35rem 1.45rem;
  border: 1px solid var(--planner-border);
  border-radius: 0.55rem;
  background: #fff;
  color: var(--planner-ink);
  font-size: 0.75rem;
  font-weight: 800;
  text-align: right;
  appearance: textfield;
}

.lever-price-input input::-webkit-inner-spin-button,
.lever-price-input input::-webkit-outer-spin-button {
  appearance: none;
  margin: 0;
}

.lever-row input[type='range'] {
  grid-column: 1 / -1;
  width: 100%;
  height: 0.35rem;
  margin: 0.4rem 0;
  border-radius: 999px;
  background: #d8e7dd;
  accent-color: var(--planner-focus);
}

.cost-levers {
  margin-top: 1.25rem;
  background: var(--planner-surface-soft);
}

.cost-levers h4 {
  margin: 0;
  padding: 0.9rem 1rem 0;
  color: var(--planner-ink);
  font-size: 0.84rem;
  font-weight: 750;
}

.cost-levers > div {
  padding: 0 1rem 1rem;
}

.plan-panel {
  grid-area: plan;
  display: grid;
  gap: 1rem;
}

.mortgage-choice-card {
  grid-area: mortgage-choice;
  padding: 1.35rem;
  background: rgba(255, 255, 255, 0.9);
}

.mortgage-choice-heading {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 1rem;
}

.mortgage-choice-heading h3 {
  margin: 0.1rem 0 0;
  color: var(--planner-ink);
  font-size: clamp(1.35rem, 2vw, 1.75rem);
  letter-spacing: -0.045em;
  line-height: 1.12;
}

.mortgage-choice-icon {
  width: 2.5rem;
  height: 2.5rem;
  display: grid;
  flex: 0 0 auto;
  place-items: center;
  border-radius: 0.8rem;
  background: #ddf7e3;
  color: var(--planner-focus);
}

.mortgage-choice-icon svg {
  width: 1.2rem;
  height: 1.2rem;
}

.repayment-options,
.rate-options {
  min-width: 0;
  margin: 0;
  padding: 0;
  border: 0;
}

.repayment-options {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 0.6rem;
  margin-top: 1.15rem;
}

.repayment-options legend {
  position: absolute;
  width: 1px;
  height: 1px;
  overflow: hidden;
  clip: rect(0 0 0 0);
  clip-path: inset(50%);
  white-space: nowrap;
}

.rate-options legend {
  display: block;
  margin: 0 0 0.5rem;
  color: var(--planner-ink-soft);
  font-size: 0.7rem;
  font-weight: 750;
}

.repayment-option {
  position: relative;
  display: grid;
  min-width: 0;
  gap: 0.25rem;
  padding: 0.85rem;
  border: 1px solid var(--planner-border);
  border-radius: 1rem;
  background: var(--planner-surface-soft);
  transition:
    border-color 160ms ease,
    background 160ms ease,
    box-shadow 160ms ease;
}

.repayment-option input,
.rate-option-buttons input {
  position: absolute;
  width: 1px;
  height: 1px;
  overflow: hidden;
  opacity: 0;
}

.repayment-option:has(input:checked) {
  border-color: rgba(11, 143, 85, 0.65);
  background: #e7f8e9;
  box-shadow: 0 0 0 0.16rem rgba(11, 143, 85, 0.1);
}

.repayment-option:has(input:focus-visible),
.rate-option-buttons label:has(input:focus-visible) {
  outline: 0.2rem solid rgba(11, 143, 85, 0.4);
  outline-offset: 0.15rem;
}

.repayment-option-topline {
  display: block;
}

.repayment-option-topline > strong {
  color: var(--planner-ink);
  font-size: 0.78rem;
  line-height: 1.25;
}

.selection-mark {
  position: absolute;
  top: 0.85rem;
  right: 0.75rem;
  display: inline-flex;
  align-items: center;
  color: var(--planner-focus);
  opacity: 0;
}

.selection-mark svg {
  width: 0.85rem;
  height: 0.85rem;
}

.repayment-option:has(input:checked) .selection-mark {
  opacity: 1;
}

.repayment-option-payment {
  color: var(--planner-ink);
  font-size: clamp(1.2rem, 2vw, 1.65rem);
  font-weight: 800;
  letter-spacing: -0.055em;
  line-height: 1.1;
}

.repayment-option-balance {
  color: var(--planner-ink-soft);
  font-size: 0.63rem;
  font-weight: 750;
  line-height: 1.35;
}

.part-and-part-control {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 0.55rem 1rem;
  margin-top: 0.75rem;
  padding: 0.85rem 1rem;
  border: 1px solid var(--planner-border);
  border-radius: 0.85rem;
  background: var(--planner-surface-soft);
  color: var(--planner-ink-soft);
}

.part-and-part-control[hidden] {
  display: none;
}

.part-and-part-control span {
  display: grid;
  gap: 0.15rem;
}

.part-and-part-control strong,
.part-and-part-control output {
  color: var(--planner-ink);
  font-size: 0.74rem;
  font-weight: 800;
}

.part-and-part-control small {
  color: var(--planner-muted);
  font-size: 0.64rem;
}

.part-and-part-control input {
  grid-column: 1 / -1;
  width: 100%;
  height: 0.35rem;
  margin: 0.15rem 0;
  border-radius: 999px;
  background: #d8e7dd;
  accent-color: var(--planner-focus);
}

.rate-and-balance {
  margin-top: 0.75rem;
}

.rate-options {
  padding: 0.85rem;
  border: 1px solid var(--planner-border);
  border-radius: 0.85rem;
  background: #fff;
}

.rate-option-buttons {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  padding: 0.2rem;
  border-radius: 0.65rem;
  background: #e7eee9;
}

.rate-option-buttons label {
  position: relative;
  min-width: 0;
}

.rate-option-buttons span {
  display: block;
  padding: 0.5rem 0.75rem;
  border-radius: 0.5rem;
  color: var(--planner-ink-soft);
  font-size: 0.72rem;
  font-weight: 750;
  text-align: center;
}

.rate-option-buttons label:has(input:checked) span {
  background: #fff;
  box-shadow: 0 0.2rem 0.6rem rgba(15, 53, 42, 0.1);
  color: var(--planner-ink);
}

.rate-impact {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 0.75rem;
  margin-top: 0.55rem;
  padding: 0.55rem 0.65rem;
  border-radius: 0.55rem;
  background: var(--planner-surface-soft);
}

.rate-impact span {
  color: var(--planner-muted);
  font-size: 0.62rem;
  font-weight: 700;
}

.rate-impact strong {
  color: var(--planner-ink);
  font-size: 0.7rem;
  font-weight: 800;
  text-align: right;
}

.rate-options p {
  margin: 0.55rem 0 0;
  color: var(--planner-muted);
  font-size: 0.65rem;
  line-height: 1.45;
}

.balance-comparison {
  margin-top: 0.75rem;
  padding: 0.85rem;
  border-radius: 0.85rem;
  background: #f8faf8;
}

.balance-comparison-heading {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 1rem;
}

.balance-comparison-heading strong {
  color: var(--planner-ink);
  font-size: 0.76rem;
}

.balance-comparison-heading span {
  color: var(--planner-muted);
  font-size: 0.63rem;
}

.balance-table {
  display: grid;
  gap: 0.45rem;
  margin-top: 0.65rem;
}

.balance-row {
  display: grid;
  grid-template-columns: minmax(6rem, 1.2fr) repeat(3, minmax(3.5rem, 0.75fr));
  gap: 0.6rem;
  align-items: center;
}

.balance-row strong,
.balance-row span {
  min-width: 0;
  color: var(--planner-copy);
  font-size: 0.64rem;
}

.balance-row strong {
  color: var(--planner-ink-soft);
  font-weight: 750;
}

.balance-row span:not(:first-child) {
  text-align: right;
}

.balance-row-heading {
  padding-bottom: 0.35rem;
  border-bottom: 1px solid rgba(8, 61, 47, 0.1);
}

.balance-row-heading span {
  color: var(--planner-muted);
  font-size: 0.59rem;
  font-weight: 700;
}

.reality-card {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 1rem;
  padding: 1.35rem;
  background: #e6f7e8;
}

.reality-total {
  margin: 0.15rem 0 0;
  color: var(--planner-ink);
  font-size: clamp(2rem, 3.4vw, 3.2rem);
  font-weight: 800;
  letter-spacing: -0.055em;
  line-height: 1;
}

.reality-surprise {
  margin: 0.65rem 0 0;
  color: var(--planner-copy);
  font-size: 0.8rem;
  line-height: 1.5;
}

.plan-status {
  max-width: 12rem;
  padding: 0.45rem 0.65rem;
  border-radius: 999px;
  background: #fff;
  color: var(--planner-ink-soft);
  font-size: 0.7rem;
  font-weight: 750;
  line-height: 1.35;
  text-align: center;
}

.plan-status.is-over {
  background: #fff0e8;
  color: #8a3f1f;
}

.result-metrics {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.75rem;
}

.result-metrics article {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 0.25rem 0.75rem;
  padding: 1rem;
}

.metric-icon {
  width: 2.55rem;
  height: 2.55rem;
  grid-row: 1 / 4;
}

.metric-icon svg {
  width: 1.25rem;
  height: 1.25rem;
}

.metric-icon.yellow {
  background: #fff2c9;
  color: #966c00;
}

.metric-icon.green {
  background: #ddf7e3;
  color: #137342;
}

.metric-icon.purple {
  background: #f0e3ff;
  color: #7741ad;
}

.metric-icon.blue {
  background: #e4f1ff;
  color: #356d9e;
}

.result-metrics small,
.result-metrics span:not(.metric-icon) {
  color: var(--planner-muted);
  font-size: 0.68rem;
  line-height: 1.35;
}

.result-metrics strong {
  color: var(--planner-ink);
  font-size: 1.2rem;
  letter-spacing: -0.035em;
}

.result-columns {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.75rem;
}

.breakdown-card,
.scenario-card,
.planner-disclaimer {
  padding: 1.1rem;
}

.planner-signup-cta {
  grid-area: cta;
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  gap: 1.5rem;
  align-items: center;
  padding: 1.5rem;
  border-radius: 1.15rem;
  background: var(--planner-ink);
  box-shadow: 0 1rem 2.5rem rgba(8, 61, 47, 0.16);
}

.planner-signup-cta .panel-kicker {
  color: #87e99a;
}

.planner-signup-cta h3 {
  margin: 0.2rem 0 0;
  color: #fff;
  font-size: clamp(1.35rem, 2.1vw, 1.8rem);
  letter-spacing: -0.045em;
  line-height: 1.1;
}

.planner-signup-cta p:last-child {
  max-width: 35rem;
  margin: 0.55rem 0 0;
  color: rgba(255, 255, 255, 0.76);
  font-size: 0.74rem;
  line-height: 1.55;
}

.planner-signup-actions {
  display: grid;
  justify-items: stretch;
  gap: 0.35rem;
  min-width: 15rem;
}

.planner-signup-actions a {
  display: inline-flex;
  min-height: 3rem;
  align-items: center;
  justify-content: center;
  gap: 0.55rem;
  padding: 0.75rem 1rem;
  border-radius: 0.8rem;
  background: var(--planner-primary);
  color: var(--planner-ink);
  font-size: 0.75rem;
  font-weight: 800;
  text-align: center;
  text-decoration: none;
}

.planner-signup-actions a:hover {
  background: #a1f2a3;
}

.planner-signup-actions a:focus-visible,
.planner-reset:focus-visible {
  outline: 0.2rem solid #fff;
  outline-offset: 0.15rem;
}

.planner-signup-actions a svg {
  width: 1rem;
  height: 1rem;
}

.cost-breakdown {
  display: grid;
  gap: 0.6rem;
  margin: 1rem 0 0;
}

.cost-breakdown div {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 1rem;
  padding-bottom: 0.55rem;
  border-bottom: 1px solid rgba(8, 61, 47, 0.08);
}

.cost-breakdown div[hidden] {
  display: none;
}

.cost-breakdown dt,
.cost-breakdown dd {
  margin: 0;
  font-size: 0.72rem;
}

.cost-breakdown dt {
  color: var(--planner-muted);
}

.cost-breakdown dd {
  color: var(--planner-ink);
  font-weight: 750;
  text-align: right;
}

.cost-breakdown .breakdown-total {
  padding-top: 0.2rem;
  border-bottom: 0;
}

.cost-breakdown .breakdown-total dt,
.cost-breakdown .breakdown-total dd {
  color: var(--planner-ink);
  font-weight: 800;
}

.borrowing-card {
  display: flex;
  align-items: center;
  gap: 0.9rem;
  padding: 1rem 1.1rem;
}

.borrowing-card > span {
  width: 2.5rem;
  height: 2.5rem;
  display: grid;
  flex: 0 0 auto;
  place-items: center;
  border-radius: 50%;
  background: #ddf7e3;
  color: var(--planner-focus);
}

.borrowing-card svg {
  width: 1.25rem;
  height: 1.25rem;
}

.borrowing-card strong {
  color: var(--planner-ink);
  font-size: 0.84rem;
}

.borrowing-card p {
  margin: 0.25rem 0 0;
  color: var(--planner-copy);
  font-size: 0.75rem;
  line-height: 1.45;
}

.scenario-table {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 0.65rem;
  margin-top: 1rem;
}

.scenario-option {
  padding: 0.8rem;
  border: 1px solid var(--planner-border);
  border-radius: 0.8rem;
  background: var(--planner-surface-soft);
}

.scenario-option.is-current {
  border-color: rgba(11, 143, 85, 0.55);
  background: #e7f8e9;
}

.scenario-option strong,
.scenario-option span,
.scenario-option small {
  display: block;
}

.scenario-option strong {
  color: var(--planner-ink);
  font-size: 0.9rem;
}

.scenario-option span {
  margin-top: 0.5rem;
  color: var(--planner-ink-soft);
  font-size: 0.74rem;
  font-weight: 700;
}

.scenario-option small {
  margin-top: 0.2rem;
  color: var(--planner-muted);
  font-size: 0.66rem;
  line-height: 1.4;
}

.planner-disclaimer {
  display: flex;
  gap: 0.85rem;
  background: #f5f5ef;
}

.planner-disclaimer > svg {
  width: 1.25rem;
  height: 1.25rem;
  flex: 0 0 auto;
  color: var(--planner-focus);
}

.planner-disclaimer strong {
  color: var(--planner-ink);
  font-size: 0.8rem;
}

.planner-disclaimer p,
.planner-disclaimer li,
.planner-disclaimer a {
  color: var(--planner-copy);
  font-size: 0.69rem;
  line-height: 1.55;
}

.planner-disclaimer p {
  margin: 0.3rem 0 0;
}

.planner-disclaimer details {
  box-shadow: none;
}

.planner-disclaimer ul {
  margin: 0;
  padding: 0 1.5rem 0.8rem 2rem;
}

.planner-reset {
  min-height: 2.5rem;
  padding: 0.55rem 0.75rem;
  border: 0;
  background: transparent;
  color: rgba(255, 255, 255, 0.82);
  font-size: 0.72rem;
  font-weight: 750;
}

body[data-planner-stage='results'] .planner-shell {
  grid-template-columns: minmax(16rem, 27vw) minmax(0, 1fr);
}

body[data-planner-stage='results'] .planner-content {
  margin-left: -2rem;
  border-radius: 4rem 0 0 4rem;
}

body[data-planner-stage='results'] .planner-content-inner {
  padding-right: clamp(2rem, 4vw, 4rem);
  padding-left: clamp(3rem, 5vw, 5rem);
}

body[data-planner-stage='results'] .journey-milestone {
  opacity: 0;
  transform: translateX(-1rem);
}

@keyframes planner-stage-in {
  from {
    opacity: 0;
    transform: translateY(0.45rem);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@media (min-width: 62.01rem) {
  html,
  body {
    height: 100%;
    overflow: hidden;
  }

  .planner-page,
  .planner-shell {
    height: 100%;
    min-height: 0;
    overflow: hidden;
  }

  .planner-visual {
    position: sticky;
    top: 0;
    height: 100%;
    min-height: 0;
    align-self: start;
  }

  .planner-content,
  body[data-planner-stage='results'] .planner-content {
    height: 100%;
    min-height: 0;
    overflow-x: hidden;
    overflow-y: auto;
    overscroll-behavior: contain;
    scrollbar-gutter: stable;
  }

  .planner-content-inner,
  body[data-planner-stage='results'] .planner-content-inner {
    min-height: 100%;
  }

  .planner-content-inner {
    padding-top: clamp(1.5rem, 3vh, 2.5rem);
    padding-bottom: 1.5rem;
  }

  .planner-brand {
    gap: 0.65rem;
    font-size: clamp(1.2rem, 1.75vw, 1.55rem);
  }

  .planner-brand img {
    width: 2.5rem;
    height: 2.5rem;
  }

  .planner-progress {
    margin-top: 1rem;
  }

  .planner-progress::before {
    top: 0.85rem;
  }

  .planner-progress li {
    gap: 0.2rem;
    font-size: 0.64rem;
  }

  .planner-progress li span {
    width: 1.7rem;
    height: 1.7rem;
  }

  .planner-stage,
  .planner-results {
    margin-top: clamp(1.15rem, 2.6vh, 2rem);
    margin-bottom: 1.25rem;
  }

  .planner-intro {
    margin-top: clamp(3rem, 10vh, 6rem);
  }

  .planner-back {
    margin-bottom: 0.65rem;
    padding-top: 0.3rem;
    padding-bottom: 0.3rem;
  }

  .planner-step {
    margin-bottom: 0.35rem;
  }

  .planner-step-screen h2 {
    font-size: clamp(2.2rem, 3.2vw, 3.15rem);
  }

  .planner-step-screen .questions-lead {
    margin-top: 0.75rem;
    font-size: clamp(0.92rem, 1.05vw, 1.05rem);
    line-height: 1.45;
  }

  .planner-step-screen .money-fields {
    gap: 0.7rem;
    margin-top: 1rem;
  }

  .planner-step-screen .money-field {
    gap: 0.35rem;
    margin-top: 0.85rem;
  }

  .planner-step-screen .money-field input {
    min-height: 3.2rem;
    padding-top: 0.65rem;
    padding-bottom: 0.65rem;
  }

  .planner-step-screen .planner-actions {
    margin-top: 1rem;
  }

  .planner-step-screen .planner-primary-action {
    min-height: 3.65rem;
  }

  .planner-step-screen .planner-privacy-note {
    margin-top: 0.7rem;
  }

  .planner-step-screen .choice-group {
    margin-top: 0.9rem;
  }

  .planner-step-screen .choice-group legend {
    margin-bottom: 0.45rem;
  }

  .planner-step-screen .choice-card {
    min-height: 2.9rem;
    padding-top: 0.55rem;
    padding-bottom: 0.55rem;
  }

  .planner-step-screen .ownership-options {
    gap: 0.5rem;
  }

  .planner-step-screen .ownership-card {
    min-height: 4rem;
    padding-top: 0.65rem;
    padding-bottom: 0.65rem;
  }

  .planner-step-screen .ownership-icon {
    width: 2.2rem;
    height: 2.2rem;
  }

  .planner-step-screen .education-card {
    margin-top: 0.65rem;
  }

  .planner-step-screen .education-card summary {
    padding-top: 0.7rem;
    padding-bottom: 0.7rem;
  }

  .planner-step-screen .uncertain-toggle {
    margin-top: 0.55rem;
  }
}

@media (max-width: 75rem) {
  .planner-shell {
    grid-template-columns: minmax(0, 50fr) minmax(29rem, 50fr);
  }

  .planner-content-inner {
    padding-right: 3rem;
    padding-left: 4.5rem;
  }

  .journey-milestone {
    transform: scale(0.88);
  }

  body[data-planner-stage='results'] .planner-shell {
    grid-template-columns: 15rem minmax(0, 1fr);
  }

  .results-layout {
    grid-template-columns: 15rem minmax(26rem, 1fr);
  }
}

@media (max-width: 62rem) {
  .planner-page {
    overflow: auto;
  }

  .planner-shell,
  body[data-planner-stage='results'] .planner-shell {
    width: 100%;
    height: auto;
    min-height: 100svh;
    display: flex;
    flex-direction: column;
  }

  .planner-visual {
    position: relative;
    top: auto;
    height: 13.75rem;
    min-height: 13.75rem;
    align-self: auto;
  }

  .planner-journey-image {
    object-position: center 32%;
  }

  .journey-milestone {
    display: none;
  }

  .planner-content,
  body[data-planner-stage='results'] .planner-content {
    width: 100%;
    height: auto;
    min-height: calc(100svh - 12rem);
    margin: -1.75rem 0 0;
    overflow: visible;
    border-radius: 2rem 2rem 0 0;
  }

  .planner-content-inner,
  body[data-planner-stage='results'] .planner-content-inner {
    height: auto;
    overflow: visible;
    padding: 1.65rem clamp(1.25rem, 6vw, 2.5rem) 2.5rem;
  }

  .planner-brand {
    font-size: 1.2rem;
  }

  .planner-brand img {
    width: 2.35rem;
    height: 2.35rem;
  }

  .planner-progress {
    margin-top: 1.3rem;
  }

  .planner-stage,
  .planner-intro,
  .planner-results {
    max-width: none;
    margin-top: 2.3rem;
  }

  .planner-intro h1,
  .planner-step-screen h2,
  .planner-results h2 {
    max-width: 32rem;
    font-size: clamp(2.25rem, 9.5vw, 3.25rem);
    line-height: 1.04;
  }

  .planner-lead,
  .questions-lead {
    margin-top: 1rem;
    font-size: 0.96rem;
    line-height: 1.55;
  }

  .planner-benefits {
    gap: 0.65rem;
    margin: 1.25rem 0 1.4rem;
  }

  .planner-primary-action {
    min-height: 3.8rem;
  }

  .results-layout {
    grid-template-columns: 1fr;
    grid-template-areas:
      'mortgage-choice'
      'levers'
      'plan'
      'cta';
  }

  .lever-panel {
    position: static;
  }

  body[data-planner-stage='results'] .planner-visual {
    height: 8rem;
    min-height: 8rem;
  }
}

@media (max-width: 42rem) {
  .planner-progress small {
    display: none;
  }

  .choice-grid-four,
  .choice-grid-three,
  .education-grid,
  .result-columns,
  .rate-and-balance {
    grid-template-columns: 1fr;
  }

  .choice-grid-three {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }

  .result-metrics {
    grid-template-columns: 1fr;
  }

  .repayment-options {
    grid-template-columns: 1fr;
  }

  .planner-signup-cta {
    grid-template-columns: 1fr;
  }

  .rate-impact {
    align-items: flex-start;
    flex-direction: column;
    gap: 0.2rem;
  }

  .rate-impact strong {
    text-align: left;
  }

  .planner-signup-actions {
    min-width: 0;
  }

  .scenario-table {
    grid-template-columns: 1fr;
  }

  .scenario-option {
    display: grid;
    grid-template-columns: auto 1fr;
    gap: 0.2rem 1rem;
  }

  .scenario-option strong {
    grid-row: 1 / 3;
  }

  .scenario-option span,
  .scenario-option small {
    margin: 0;
  }

  .reality-card {
    display: grid;
  }

  .mortgage-choice-card {
    padding: 1rem;
  }

  .mortgage-choice-heading h3 {
    font-size: 1.35rem;
  }

  .repayment-option-payment {
    font-size: 1.75rem;
  }

  .balance-row {
    grid-template-columns: minmax(5.5rem, 1fr) repeat(3, minmax(2.8rem, 0.6fr));
    gap: 0.35rem;
  }

  .balance-row strong,
  .balance-row span {
    font-size: 0.58rem;
  }

  .plan-status {
    max-width: none;
    justify-self: start;
    text-align: left;
  }
}

@media (max-width: 25rem) and (max-height: 50rem) {
  .planner-visual {
    height: 10.5rem;
    min-height: 10.5rem;
  }

  .planner-content {
    margin-top: -1.5rem;
  }

  .planner-stage,
  .planner-intro {
    margin-top: 1.7rem;
  }

  .planner-intro h1,
  .planner-step-screen h2 {
    font-size: 2.05rem;
  }
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    scroll-behavior: auto !important;
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
}