:root {
  --gold: #D4A047;
  --navy: #071425;
  --cream: #F7F3EB;
  --border: #E6D9BE;
  --text: #4E5968;
}

body {
  background: var(--cream);
}

.tt-header {
  background: #fff;
  border-bottom: 1px solid var(--border);
  padding: 18px 32px;
}

.tt-header-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 24px;
}

.tt-nav {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}

.calc-wrapper {
  max-width: 1100px;
  margin: 0 auto;
  padding: 48px 20px 80px;
}

.calc-hero {
  text-align: center;
  margin-bottom: 40px;
}

.eyebrow {
  font-size: 0.85rem;
  letter-spacing: 0.1em;
  color: var(--text);
  text-transform: uppercase;
  margin-bottom: 12px;
}

.calc-hero h1 {
  font-size: 2.3rem;
  margin-bottom: 16px;
}

.calc-hero .lead {
  color: var(--text);
  max-width: 780px;
  margin: 0 auto 20px;
}

.hero-actions {
  display: inline-flex;
  gap: 14px;
  flex-wrap: wrap;
}

.btn-outline {
  border: 1px solid var(--navy);
  color: var(--navy);
  background: transparent;
}

.calc-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 20px;
  margin-bottom: 50px;
}

.calc-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 18px;
  padding: 24px;
  box-shadow: 0 12px 30px rgba(7, 20, 37, 0.05);
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.calc-card h3 {
  font-size: 1.25rem;
}

.calc-card p {
  color: var(--text);
}

.calc-card ul {
  list-style: disc;
  padding-left: 18px;
  color: var(--text);
  font-size: 0.95rem;
}

.calc-tier {
  margin-top: auto;
  font-size: 0.85rem;
  color: var(--navy);
  font-weight: 600;
}

.form-section {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 20px;
  padding: 30px;
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 24px;
  margin-bottom: 50px;
  box-shadow: 0 20px 45px rgba(7, 20, 37, 0.07);
}

.form-copy h2 {
  margin-bottom: 12px;
}

.form-copy p {
  color: var(--text);
  margin-bottom: 12px;
}

.form-copy ul {
  list-style: disc;
  padding-left: 20px;
  color: var(--text);
}

.form-panels {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.panel {
  border: 1px dashed var(--border);
  border-radius: 14px;
  padding: 16px;
  background: #fefcfa;
}

.panel h4 {
  margin-bottom: 6px;
}

.panel p {
  color: var(--text);
  font-size: 0.95rem;
}

.cta-band {
  text-align: center;
  padding: 40px 20px;
  border: 1px solid var(--border);
  border-radius: 18px;
  background: #fff7e6;
}

.cta-band h2 {
  font-size: 1.8rem;
  margin-bottom: 12px;
}

.cta-band p {
  color: var(--text);
  margin-bottom: 16px;
}

.tt-footer {
  background: var(--navy);
  color: #fff;
  text-align: center;
  padding: 18px;
  font-size: 0.85rem;
}

@media (max-width: 900px) {
  .tt-header-inner {
    flex-direction: column;
    align-items: flex-start;
  }

  .form-section {
    grid-template-columns: 1fr;
  }
}