.etf-shell{max-width:1080px;}

.review-meta{
  margin:8px 0 30px;
  color:var(--ink-soft);
  font-family:var(--font-mono);
  font-size:.74rem;
}
.review-meta a{color:var(--ledger-dark);text-underline-offset:3px;}

.tool-hero{
  max-width:850px;
  padding:30px 0 28px;
}
.tool-hero .eyebrow{margin:0 0 12px;}
.tool-hero h1{
  margin:0 0 18px;
  font-size:clamp(2.15rem,5vw,3.75rem);
  line-height:1.08;
}
.tool-hero .lede{
  max-width:66ch;
  margin:0;
  color:var(--ink-soft);
  font-size:1.12rem;
}
.tool-intro{max-width:76ch;}
.tool-intro a,
.source-note a{
  text-decoration-color:var(--brass);
  text-underline-offset:3px;
}

.tax-warning{
  max-width:80ch;
  margin:22px 0;
  padding:16px 18px;
  border-left:3px solid var(--brass);
  background:var(--brass-tint);
  color:#5A430F;
}
.tax-warning small{
  display:block;
  margin-top:7px;
  color:inherit;
  font-size:.78rem;
  opacity:.82;
}
.source-note{
  max-width:82ch;
  margin:0 0 34px;
  padding-left:14px;
  border-left:1px solid var(--rule);
  color:var(--ink-soft);
  font-family:var(--font-mono);
  font-size:.76rem;
  line-height:1.7;
}

.calculator-panel,
.table-panel,
.method-panel,
.content-panel,
.related-panel{
  border:1px solid var(--rule);
  border-radius:var(--radius);
  background:var(--paper-2);
}
.calculator-panel,
.method-panel,
.content-panel,
.related-panel{padding:clamp(20px,3vw,30px);}

.section-heading{
  display:flex;
  align-items:flex-end;
  justify-content:space-between;
  gap:22px;
  margin-bottom:22px;
  padding-bottom:14px;
  border-bottom:4px double var(--ink);
}
.section-heading h2,
.method-panel h2,
.content-panel h2,
.related-panel h2{
  margin:4px 0 0 !important;
}
.step-label{
  margin:0;
  color:var(--ledger-dark);
  font-family:var(--font-mono);
  font-size:.72rem;
  letter-spacing:.06em;
}
.data-date{
  margin:0;
  color:var(--ink-soft);
  font-family:var(--font-mono);
  font-size:.72rem;
  text-align:right;
}

.form-grid{
  display:grid;
  grid-template-columns:1.25fr 1.25fr .8fr;
  gap:18px;
}
.field{display:grid;gap:8px;min-width:0;}
.field span{
  color:var(--ink-soft);
  font-family:var(--font-mono);
  font-size:.76rem;
}
.field input,
.field select{
  width:100%;
  min-height:48px;
  border:1px solid var(--ink);
  border-radius:var(--radius);
  background:var(--paper-2);
  padding:0 12px;
  color:var(--ink);
  font:inherit;
}
.field input:focus,
.field select:focus{
  outline:2px solid var(--brass);
  outline-offset:2px;
}
.fund-meta{
  min-height:1.4em;
  margin:16px 0 0;
  color:var(--ink-soft);
  font-family:var(--font-mono);
  font-size:.74rem;
}

.results-section{margin-top:42px;}
.results-heading{align-items:center;}
.status-pill{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  border:1px solid var(--ledger);
  border-radius:var(--r-full);
  background:var(--ledger-tint);
  color:var(--ledger-dark);
  font-family:var(--font-mono);
  font-size:.72rem;
}
.status-pill{min-height:32px;padding:5px 12px;}
.status-pill.has-excess{
  border-color:var(--alert);
  background:#F3E2DE;
  color:var(--alert);
}

.summary-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:1px;
  margin-bottom:18px;
  border:1px solid var(--ink);
  background:var(--ink);
}
.summary-card{
  min-width:0;
  padding:20px;
  background:var(--paper-2);
}
.summary-card span,
.summary-card small{display:block;color:var(--ink-soft);}
.summary-card span{
  font-family:var(--font-mono);
  font-size:.74rem;
}
.summary-card strong{
  display:block;
  margin:8px 0 6px;
  color:var(--ink);
  font-family:var(--font-display);
  font-size:clamp(1.75rem,4vw,2.45rem);
  font-weight:500;
  font-variant-numeric:tabular-nums;
}
.summary-card small{font-size:.76rem;line-height:1.45;}
.alert-card strong{color:var(--alert);}

.table-panel{overflow:hidden;}
.table-scroll{overflow-x:auto;}
.table-panel table{
  width:100%;
  min-width:0;
  table-layout:fixed;
  border-collapse:collapse;
  font-variant-numeric:tabular-nums;
}
.table-panel th:nth-child(1){width:7%;}
.table-panel th:nth-child(2){width:10%;}
.table-panel th:nth-child(3){width:21%;}
.table-panel th:nth-child(4){width:10%;}
.table-panel th:nth-child(5){width:12%;}
.table-panel th:nth-child(6){width:13%;}
.table-panel th:nth-child(7){width:14%;}
.table-panel th:nth-child(8){width:13%;}
.table-panel th{
  background:var(--ink);
  color:var(--paper);
  font-family:var(--font-mono);
  font-size:.7rem;
  font-weight:500;
  letter-spacing:.02em;
  text-align:right;
  line-height:1.35;
  white-space:normal;
}
.table-panel th:first-child,
.table-panel td:first-child{text-align:left;}
.table-panel td{color:var(--ink);font-size:.88rem;text-align:right;}
.table-panel th,
.table-panel td{padding:12px 9px;border-bottom:1px solid var(--rule);}
.table-panel tbody tr:nth-child(even){background:var(--ledger-tint);}
.table-panel tbody tr:last-child td{border-bottom:0;}
.table-panel tbody tr.is-excess{background:#F3E2DE;}
.table-panel tbody tr.is-excess td:first-child{
  border-left:4px solid var(--alert);
  color:var(--alert);
  font-weight:600;
}
.muted-cell{color:#7B817D !important;}

.legend{
  display:flex;
  flex-wrap:wrap;
  gap:20px;
  padding:13px 16px;
  border-top:1px solid var(--rule);
  color:var(--ink-soft);
  font-family:var(--font-mono);
  font-size:.7rem;
}
.legend span{display:inline-flex;align-items:center;gap:7px;}
.legend-dot{width:9px;height:9px;border-radius:50%;background:var(--ledger);}
.legend-dot.excess-dot{background:var(--alert);}

.method-panel{margin-top:34px;}
.content-panel{margin-top:32px;}
.content-panel>p{max-width:82ch;}
.risk-assumptions{
  display:grid;
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:8px 28px;
  max-width:860px;
  margin:18px 0 22px;
  padding-left:1.25rem;
  color:var(--ink-soft);
}
.risk-code-list{
  display:flex;
  flex-wrap:wrap;
  gap:8px;
  margin:16px 0 24px;
  padding:0;
  list-style:none;
}
.risk-code-list li{
  padding:6px 10px;
  border:1px solid var(--rule);
  background:var(--ledger-tint);
  color:var(--ledger-dark);
  font-family:var(--font-mono);
  font-size:.78rem;
  font-weight:600;
}
.risk-panel h3{margin:24px 0 14px;}
.risk-highlight-grid{
  display:grid;
  grid-template-columns:repeat(5,minmax(0,1fr));
  gap:1px;
  padding:1px;
  background:var(--rule);
}
.risk-highlight-grid article{
  display:grid;
  gap:5px;
  min-width:0;
  padding:14px 12px;
  background:#F3E2DE;
}
.risk-highlight-grid strong,
.risk-highlight-grid b{color:var(--alert);font-family:var(--font-mono);}
.risk-highlight-grid span{min-height:2.6em;color:var(--ink-soft);font-size:.78rem;}
.risk-highlight-grid b{font-size:.92rem;}
.risk-highlight-grid .no-excess{background:var(--ledger-tint);}
.risk-highlight-grid .no-excess strong,
.risk-highlight-grid .no-excess b{color:var(--ledger-dark);}
.panel-note{
  margin:18px 0 0;
  padding-top:14px;
  border-top:1px solid var(--rule);
  color:var(--ink-soft);
  font-size:.86rem;
}
.method-panel ol{
  max-width:78ch;
  margin:18px 0 0;
  padding-left:1.4rem;
  color:var(--ink-soft);
}
.method-panel li+li{margin-top:9px;}
.method-note{
  max-width:78ch;
  margin:20px 0 0;
  padding-top:16px;
  border-top:1px solid var(--rule);
  color:var(--ink-soft);
  font-size:.88rem;
}

.seo-figure{
  max-width:1200px;
  margin:32px auto;
  border:1px solid var(--rule);
  border-radius:var(--radius);
  overflow:hidden;
  background:var(--paper-2);
}
.seo-figure img{
  display:block;
  width:100%;
  height:auto;
  aspect-ratio:1200/630;
}
.seo-figure figcaption{
  padding:14px 18px;
  border-top:1px solid var(--rule);
  color:var(--ink-soft);
  font-size:.82rem;
  line-height:1.65;
}

.related-panel{margin-top:32px;}
.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;}
.related-grid a{
  display:grid;
  gap:7px;
  min-height:110px;
  padding:16px;
  border:1px solid var(--rule);
  color:var(--ink);
  text-decoration:none;
}
.related-grid a:hover{border-color:var(--brass);background:var(--brass-tint);}
.related-grid span{
  color:var(--ledger-dark);
  font-family:var(--font-mono);
  font-size:.68rem;
  letter-spacing:.05em;
}
.related-grid strong{font-family:var(--font-display);font-size:1rem;font-weight:600;}

@media(max-width:780px){
  .tool-hero h1 br{display:none;}
  .form-grid,.summary-grid,.related-grid,.risk-assumptions,.risk-highlight-grid{grid-template-columns:1fr;}
  .section-heading{align-items:flex-start;flex-direction:column;gap:8px;}
  .data-date{text-align:left;}
  .table-panel th,.table-panel td{padding:11px 12px;}
}

@media(max-width:1100px){
  .table-panel table{min-width:1040px;table-layout:auto;}
  .table-panel th{width:auto;white-space:nowrap;}
}

@media(prefers-reduced-motion:reduce){
  *,*::before,*::after{scroll-behavior:auto !important;transition:none !important;}
}
.basis-note {
  display: block;
  margin-top: 0.2rem;
  color: var(--muted, #65736c);
  font-size: 0.75rem;
  font-weight: 600;
  white-space: nowrap;
}

.annualization-note {
  margin: 1.25rem 0 0.75rem;
  padding: 1rem 1.1rem;
  border-inline-start: 4px solid var(--accent, #9d3c2b);
  background: #f4e7e2;
  color: #26342e;
}

.annualization-note strong {
  color: #8e3528;
}