*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

  :root {
    /* Denver color palette — mountain blue, slate, amber accent */
    --peak-900:  #0d1f35;
    --peak-800:  #152d4a;
    --peak-700:  #1b3d63;
    --peak-600:  #1e5080;
    --peak-400:  #2e7dd1;
    --peak-200:  #b8d8f5;
    --peak-100:  #ddeeff;
    --peak-50:   #f0f7ff;

    --amber-500: #d97706;
    --amber-100: #fef3c7;

    --slate-800: #1e293b;
    --slate-700: #334155;
    --slate-500: #64748b;
    --slate-300: #cbd5e1;
    --slate-100: #f1f5f9;
    --slate-50:  #f8fafc;
    --white: #ffffff;

    --teal-700:  #0f766e;
    --teal-100:  #ccfbf1;

    --radius-sm: 6px;
    --radius-md: 12px;
    --radius-lg: 18px;
    --shadow-sm: 0 1px 3px rgba(13,31,53,.07);
    --shadow-md: 0 6px 24px rgba(13,31,53,.11);
    --shadow-lg: 0 12px 40px rgba(13,31,53,.14);
  }

  html { font-size: 16px; scroll-behavior: smooth; }

  body {
    background: var(--white);
    color: var(--slate-700);
    font-family: 'DM Sans', system-ui, sans-serif;
    line-height: 1.75;
    -webkit-font-smoothing: antialiased;
  }

  /* ── Mountain decorative header band ── */
  .site-band {
    background: linear-gradient(160deg, var(--peak-900) 0%, var(--peak-700) 60%, var(--peak-600) 100%);
    padding: 1.6rem 1.5rem 1.4rem;
    position: relative;
    overflow: hidden;
  }

  .site-band::before {
    content: '';
    position: absolute;
    bottom: 0; left: 0; right: 0;
    height: 42px;
    background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1200 42' preserveAspectRatio='none'%3E%3Cpath d='M0 42 L0 32 L60 18 L140 28 L220 10 L310 26 L400 6 L480 22 L560 14 L640 28 L720 8 L810 24 L900 12 L980 26 L1060 8 L1140 22 L1200 14 L1200 42 Z' fill='white'/%3E%3C/svg%3E") no-repeat bottom/cover;
  }

  .site-band-inner {
    max-width: 860px;
    margin: 0 auto;
    display: flex;
    align-items: center;
    gap: .75rem;
  }

  .site-logo {
    font-family: 'DM Serif Display', Georgia, serif;
    font-size: 1.15rem;
    color: rgba(255,255,255,.9);
    letter-spacing: -.01em;
  }

  .site-logo span {
    color: var(--amber-500);
    background: rgba(255,255,255,.1);
    padding: .1rem .45rem;
    border-radius: 4px;
    font-size: .85rem;
    font-family: 'DM Sans', sans-serif;
    font-weight: 700;
    margin-left: .5rem;
    letter-spacing: .04em;
  }

  /* ── Layout ── */
  .page-wrap {
    max-width: 860px;
    margin: 0 auto;
    padding: 2.25rem 1.25rem 5rem;
  }

  /* ── Title Area ── */
  .page-title-area {
    margin-bottom: 1.75rem;
    padding-bottom: 1.5rem;
    border-bottom: 2px solid var(--peak-100);
    position: relative;
  }

  .eyebrow {
    display: inline-flex;
    align-items: center;
    gap: .4rem;
    font-size: .72rem;
    font-weight: 700;
    letter-spacing: .08em;
    text-transform: uppercase;
    color: var(--peak-600);
    background: var(--peak-50);
    border: 1px solid var(--peak-200);
    border-radius: 99px;
    padding: .25rem .75rem;
    margin-bottom: .85rem;
  }

  h1 {
    font-family: 'DM Serif Display', Georgia, serif;
    font-size: clamp(1.7rem, 4vw, 2.3rem);
    font-weight: 400;
    color: var(--peak-900);
    line-height: 1.2;
    margin-bottom: .6rem;
    letter-spacing: -.02em;
  }

  h1 em {
    font-style: normal;
    color: var(--peak-600);
  }

  .page-desc {
    font-size: .95rem;
    color: var(--slate-500);
    line-height: 1.65;
    max-width: 680px;
  }

  /* ── Stats strip ── */
  .stats-strip {
    display: flex;
    gap: 1rem;
    margin-bottom: 1.75rem;
    flex-wrap: wrap;
  }

  .stat-pill {
    display: flex;
    align-items: center;
    gap: .5rem;
    background: var(--slate-50);
    border: 1px solid var(--slate-300);
    border-radius: var(--radius-sm);
    padding: .45rem .85rem;
    font-size: .8rem;
    color: var(--slate-700);
    font-weight: 500;
  }

  .stat-pill .stat-num {
    font-weight: 700;
    color: var(--peak-700);
  }

  /* ── Calculator Card ── */
  .calc-card {
    background: var(--white);
    border: 1.5px solid var(--peak-100);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    overflow: hidden;
    margin-bottom: 2.5rem;
  }

  .calc-header {
    background: linear-gradient(145deg, var(--peak-900) 0%, var(--peak-700) 55%, var(--peak-600) 100%);
    padding: 1.15rem 1.6rem;
    display: flex;
    align-items: center;
    gap: 1rem;
    position: relative;
    overflow: hidden;
  }

  .calc-header::after {
    content: '5,280';
    position: absolute;
    right: 1.5rem;
    top: 50%;
    transform: translateY(-50%);
    font-family: 'DM Serif Display', serif;
    font-size: 3.5rem;
    color: rgba(255,255,255,.06);
    letter-spacing: -.02em;
    pointer-events: none;
    user-select: none;
  }

  .calc-header svg { flex-shrink: 0; }

  .calc-header-text h2 {
    font-family: 'DM Serif Display', Georgia, serif;
    font-size: 1.1rem;
    font-weight: 400;
    color: var(--white);
    margin: 0 0 .1rem;
  }

  .calc-header-text p {
    font-size: .78rem;
    color: rgba(255,255,255,.65);
    margin: 0;
  }

  .calc-body { padding: 1.5rem 1.6rem; }

  .calc-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: .95rem 1.3rem;
  }

  @media (max-width: 560px) { .calc-grid { grid-template-columns: 1fr; } }

  .field-group { display: flex; flex-direction: column; gap: .32rem; }
  .field-group.full { grid-column: 1 / -1; }

  label {
    font-size: .73rem;
    font-weight: 700;
    color: var(--peak-900);
    letter-spacing: .04em;
    text-transform: uppercase;
  }

  select, input[type="number"] {
    width: 100%;
    font-family: 'DM Sans', system-ui, sans-serif;
    font-size: .9rem;
    color: var(--slate-700);
    background: var(--slate-50);
    border: 1.5px solid var(--slate-300);
    border-radius: var(--radius-sm);
    padding: .52rem .75rem;
    transition: border-color .15s, box-shadow .15s;
    appearance: none;
    -webkit-appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='10' height='6'%3E%3Cpath d='M0 0l5 6 5-6z' fill='%2364748b'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right .75rem center;
    padding-right: 2.1rem;
    cursor: pointer;
  }

  select:focus, input[type="number"]:focus {
    outline: none;
    border-color: var(--peak-400);
    box-shadow: 0 0 0 3px rgba(30,80,128,.13);
    background-color: var(--white);
  }

  input[type="range"] {
    width: 100%;
    height: 6px;
    background: var(--peak-100);
    border: none;
    border-radius: 99px;
    cursor: pointer;
    accent-color: var(--peak-600);
    appearance: none;
    -webkit-appearance: none;
    padding: 0;
    margin-top: .25rem;
  }

  .range-labels {
    display: flex;
    justify-content: space-between;
    font-size: .7rem;
    color: var(--slate-500);
    margin-top: .15rem;
  }

  .range-val {
    font-size: .85rem;
    font-weight: 700;
    color: var(--peak-600);
  }

  /* ── Hail Alert Banner ── */
  .hail-alert {
    display: flex;
    align-items: flex-start;
    gap: .65rem;
    background: var(--amber-100);
    border: 1.5px solid #fcd34d;
    border-radius: var(--radius-sm);
    padding: .7rem .9rem;
    margin-bottom: 1rem;
    font-size: .82rem;
    color: #78350f;
    line-height: 1.55;
  }

  .hail-alert svg { flex-shrink: 0; margin-top: .1rem; }

  /* ── Actions ── */
  .calc-actions {
    margin-top: 1.2rem;
    display: flex;
    gap: .75rem;
    align-items: center;
    flex-wrap: wrap;
  }

  .btn-calc {
    font-family: 'DM Sans', system-ui, sans-serif;
    font-size: .9rem;
    font-weight: 700;
    color: var(--white);
    background: linear-gradient(135deg, var(--peak-900), var(--peak-600));
    border: none;
    border-radius: var(--radius-sm);
    padding: .7rem 1.75rem;
    cursor: pointer;
    transition: opacity .15s, transform .1s, box-shadow .15s;
    letter-spacing: .02em;
    box-shadow: 0 3px 12px rgba(13,31,53,.22);
  }

  .btn-calc:hover { opacity: .92; transform: translateY(-1px); box-shadow: 0 5px 18px rgba(13,31,53,.28); }
  .btn-calc:active { transform: translateY(0); }

  .btn-reset {
    font-size: .85rem;
    color: var(--slate-500);
    background: none;
    border: 1.5px solid var(--slate-300);
    border-radius: var(--radius-sm);
    padding: .7rem 1.1rem;
    cursor: pointer;
    transition: border-color .15s, color .15s;
    font-family: 'DM Sans', sans-serif;
  }

  .btn-reset:hover { border-color: var(--peak-400); color: var(--peak-600); }

  /* ── Results ── */
  .results-panel {
    display: none;
    margin-top: 1.3rem;
    background: linear-gradient(135deg, var(--peak-50) 0%, #f5f9ff 100%);
    border: 1.5px solid var(--peak-200);
    border-radius: var(--radius-md);
    padding: 1.25rem 1.4rem;
    animation: fadeUp .28s ease;
  }

  @keyframes fadeUp {
    from { opacity: 0; transform: translateY(10px); }
    to   { opacity: 1; transform: translateY(0); }
  }

  .results-panel.visible { display: block; }

  .result-label {
    font-size: .73rem;
    font-weight: 700;
    color: var(--slate-500);
    text-transform: uppercase;
    letter-spacing: .06em;
    margin-bottom: .25rem;
  }

  .result-main {
    display: flex;
    align-items: baseline;
    gap: .45rem;
    margin-bottom: .45rem;
  }

  .result-amount {
    font-family: 'DM Serif Display', Georgia, serif;
    font-size: 2.6rem;
    font-weight: 400;
    color: var(--peak-800);
    line-height: 1;
  }

  .result-period {
    font-size: .88rem;
    color: var(--slate-500);
  }

  .result-range {
    font-size: .82rem;
    color: var(--slate-500);
    margin-bottom: .95rem;
  }

  .result-breakdown {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: .55rem;
    margin-bottom: .9rem;
  }

  @media (max-width: 480px) { .result-breakdown { grid-template-columns: 1fr 1fr; } }

  .breakdown-item {
    background: var(--white);
    border: 1px solid var(--peak-100);
    border-radius: var(--radius-sm);
    padding: .55rem .7rem;
    text-align: center;
    box-shadow: var(--shadow-sm);
  }

  .bi-label {
    display: block;
    font-size: .66rem;
    color: var(--slate-500);
    text-transform: uppercase;
    letter-spacing: .03em;
    margin-bottom: .18rem;
  }

  .bi-val {
    font-size: .9rem;
    font-weight: 700;
    color: var(--peak-900);
  }

  .result-note {
    font-size: .77rem;
    color: var(--slate-500);
    line-height: 1.58;
    border-top: 1px solid var(--peak-100);
    padding-top: .7rem;
  }

  /* ── Summary Box ── */
  .summary-box {
    background: var(--peak-50);
    border-left: 4px solid var(--peak-600);
    border-radius: 0 var(--radius-md) var(--radius-md) 0;
    padding: 1.35rem 1.6rem;
    margin-bottom: 2.5rem;
    box-shadow: var(--shadow-sm);
  }

  .summary-box h2 {
    font-family: 'DM Serif Display', Georgia, serif;
    font-size: 1.05rem;
    font-weight: 400;
    color: var(--peak-900);
    margin-bottom: .9rem;
    display: flex;
    align-items: center;
    gap: .55rem;
  }

  .summary-badge {
    font-family: 'DM Sans', sans-serif;
    font-size: .65rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: .07em;
    color: var(--white);
    background: var(--peak-600);
    padding: .18rem .55rem;
    border-radius: 99px;
  }

  .summary-box ul { list-style: none; display: flex; flex-direction: column; gap: .6rem; }

  .summary-box ul li {
    font-size: .9rem;
    color: var(--slate-700);

    gap: .65rem;
    line-height: 1.58;
  }

  .summary-box ul li::before {
    content: '▸';
    color: var(--peak-600);
    flex-shrink: 0;
    margin-top: .05rem;
  }

  .summary-box ul li strong { color: var(--peak-900); font-weight: 700; }

  /* ── Article ── */
  .article-body h2 {
    font-family: 'DM Serif Display', Georgia, serif;
    font-size: 1.35rem;
    font-weight: 400;
    color: var(--peak-900);
    margin: 2.25rem 0 .65rem;
    line-height: 1.3;
    letter-spacing: -.015em;
  }

  .article-body h3 {
    font-size: .95rem;
    font-weight: 700;
    color: var(--peak-700);
    margin: 1.6rem 0 .45rem;
    letter-spacing: .01em;
  }

  .article-body p {
    font-size: .96rem;
    color: var(--slate-700);
    margin-bottom: 1.05rem;
    line-height: 1.82;
  }

  .article-body ul, .article-body ol {
    padding-left: 1.4rem;
    margin-bottom: 1rem;
  }

  .article-body li {
    font-size: .96rem;
    color: var(--slate-700);
    margin-bottom: .45rem;
    line-height: 1.78;
  }

  .article-divider {
    border: none;
    border-top: 1.5px solid var(--peak-100);
    margin: 2.25rem 0;
  }

  /* Callout */
  .callout {
    background: var(--teal-100);
    border-left: 3px solid var(--teal-700);
    border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
    padding: .95rem 1.15rem;
    margin: 1.35rem 0;
  }

  .callout p {
    font-size: .875rem;
    color: #134e4a;
    margin: 0;
    line-height: 1.62;
  }

  /* Amber callout for hail */
  .callout-amber {
    background: var(--amber-100);
    border-left: 3px solid var(--amber-500);
    border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
    padding: .95rem 1.15rem;
    margin: 1.35rem 0;
  }

  .callout-amber p {
    font-size: .875rem;
    color: #78350f;
    margin: 0;
    line-height: 1.62;
  }

  /* Info box */
  .info-box {
    background: var(--peak-50);
    border: 1.5px solid var(--peak-100);
    border-radius: var(--radius-md);
    padding: 1.05rem 1.3rem;
    margin: 1.35rem 0;
  }

  .info-box p {
    font-size: .875rem;
    color: var(--peak-900);
    margin: 0;
    line-height: 1.62;
  }

  /* ── FAQ ── */
  .faq-section { margin-top: 2.75rem; }

  .faq-section > h2 {
    font-family: 'DM Serif Display', Georgia, serif;
    font-size: 1.35rem;
    font-weight: 400;
    color: var(--peak-900);
    margin-bottom: 1.15rem;
    letter-spacing: -.015em;
  }

  .faq-item {
    border: 1.5px solid var(--peak-100);
    border-radius: var(--radius-md);
    margin-bottom: .7rem;
    overflow: hidden;
    transition: box-shadow .15s;
    background: var(--white);
  }

  .faq-item:hover { box-shadow: var(--shadow-sm); }

  .faq-q {
    width: 100%;
    background: none;
    border: none;
    padding: .95rem 1.15rem;
    display: flex;
    justify-content: space-between;
    align-items: center;
    cursor: pointer;
    text-align: left;
    gap: .75rem;
    font-family: 'DM Sans', sans-serif;
  }

  .faq-q span {
    font-size: .93rem;
    font-weight: 600;
    color: var(--peak-900);
    line-height: 1.45;
  }

  .faq-icon {
    flex-shrink: 0;
    width: 22px;
    height: 22px;
    background: var(--peak-100);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: transform .22s, background .22s;
    font-size: .75rem;
    color: var(--peak-600);
    font-weight: 700;
  }

  .faq-item.open .faq-icon {
    transform: rotate(45deg);
    background: var(--peak-600);
    color: var(--white);
  }

  .faq-a {
    display: none;
    padding: 0 1.15rem 1.05rem;
    font-size: .88rem;
    color: var(--slate-700);
    line-height: 1.72;
    border-top: 1px solid var(--peak-50);
    font-family: 'DM Sans', sans-serif;
  }

  .faq-item.open .faq-a { display: block; }

  /* ── Disclaimer ── */
  .disclaimer {
    margin-top: 2.75rem;
    background: var(--slate-100);
    border-radius: var(--radius-md);
    padding: 1.1rem 1.35rem;
    font-size: .77rem;
    color: var(--slate-500);
    line-height: 1.62;
    font-family: 'DM Sans', sans-serif;
  }