:root {
  --ink: #102f38;
  --ink-2: #35545d;
  --ink-3: #62777d;
  --navy: #0b3442;
  --navy-2: #0e5262;
  --teal: #148697;
  --teal-2: #32a9a4;
  --mint: #e7f7f4;
  --mint-2: #f4fbfa;
  --sand: #fbf6eb;
  --gold: #eab45c;
  --coral: #dc7659;
  --white: #ffffff;
  --line: #d7e4e3;
  --line-dark: #bdd2d0;
  --success: #137a59;
  --warning: #8a5b05;
  --danger: #9f3131;
  --shadow-sm: 0 8px 24px rgba(11, 52, 66, 0.07);
  --shadow-md: 0 18px 55px rgba(11, 52, 66, 0.12);
  --radius-sm: 10px;
  --radius: 18px;
  --radius-lg: 28px;
  --container: 1180px;
  --narrow: 760px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--white);
  font-family: Inter, ui-sans-serif, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 17px;
  line-height: 1.65;
  text-rendering: optimizeLegibility;
}
body.menu-open { overflow: hidden; }
img, svg { display: block; max-width: 100%; }
a { color: var(--navy-2); text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: var(--teal); }
button, input, select, textarea { font: inherit; }
button { cursor: pointer; }
input, select, textarea { color: var(--ink); }
::selection { background: #bdece7; color: var(--navy); }

h1, h2, h3, h4 {
  color: var(--navy);
  font-family: Georgia, "Times New Roman", serif;
  line-height: 1.08;
  letter-spacing: -0.025em;
  margin: 0 0 .55em;
}
h1 { font-size: clamp(2.55rem, 5.4vw, 5rem); }
h2 { font-size: clamp(2rem, 3.5vw, 3.25rem); }
h3 { font-size: 1.5rem; }
p { margin: 0 0 1.15em; }
ul, ol { margin-top: 0; }
code { font-family: ui-monospace, SFMono-Regular, Menlo, Consolas, monospace; }

.container { width: min(calc(100% - 40px), var(--container)); margin-inline: auto; }
.container.narrow, .narrow { width: min(calc(100% - 40px), var(--narrow)); margin-inline: auto; }
.section { padding: 92px 0; }
.section-tight { padding: 58px 0; }
.section-topless { padding-top: 24px; }
.section-tint { background: var(--mint-2); border-block: 1px solid #e5efee; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }
.skip-link { position: fixed; z-index: 1000; top: 12px; left: 12px; transform: translateY(-160%); background: var(--white); padding: 10px 16px; border-radius: 8px; box-shadow: var(--shadow-md); }
.skip-link:focus { transform: none; }
.icon { width: 1.2em; height: 1.2em; flex: 0 0 auto; }
.eyebrow { display: inline-block; color: var(--teal); font-weight: 800; font-size: .76rem; letter-spacing: .13em; line-height: 1.3; text-transform: uppercase; margin-bottom: 14px; }
em { font-style: normal; color: var(--teal); }
.fine-print { color: var(--ink-3); font-size: .78rem; line-height: 1.55; }

/* Header */
.site-header { position: sticky; top: 0; z-index: 100; background: rgba(255,255,255,.94); backdrop-filter: blur(16px); border-bottom: 1px solid rgba(215,228,227,.82); }
.header-inner { display: flex; align-items: center; justify-content: space-between; min-height: 78px; gap: 28px; }
.brand { display: inline-flex; align-items: center; gap: 11px; color: var(--navy); text-decoration: none; flex: 0 0 auto; }
.brand:hover { color: var(--navy); }
.brand-mark { width: 41px; height: 41px; color: var(--teal); }
.brand span { display: flex; align-items: baseline; line-height: 1; }
.brand strong { font-family: Georgia, serif; font-size: 1.38rem; letter-spacing: -.03em; }
.brand small { font-weight: 800; color: var(--teal); font-size: .66rem; text-transform: uppercase; letter-spacing: .12em; margin-left: 5px; }
.main-nav { display: flex; align-items: center; gap: 26px; }
.nav-link { color: var(--ink); font-weight: 720; font-size: .92rem; text-decoration: none; white-space: nowrap; }
.nav-link:hover { color: var(--teal); }
.nav-cta { background: var(--navy); color: var(--white); border-radius: 999px; padding: 10px 18px; }
.nav-cta:hover { background: var(--teal); color: var(--white); }
.menu-button { display: none; background: transparent; color: var(--navy); border: 0; padding: 8px; }
.menu-button .icon { width: 27px; height: 27px; }

/* Buttons and links */
.button { display: inline-flex; justify-content: center; align-items: center; gap: 9px; min-height: 48px; padding: 12px 20px; border: 1px solid transparent; border-radius: 999px; font-weight: 800; font-size: .92rem; line-height: 1.2; text-decoration: none; transition: transform .16s ease, background-color .16s ease, border-color .16s ease, color .16s ease; }
.button:hover { transform: translateY(-1px); }
.button-primary { color: var(--white); background: var(--navy); box-shadow: 0 9px 24px rgba(11,52,66,.14); }
.button-primary:hover { color: var(--white); background: var(--teal); }
.button-secondary { color: var(--navy); background: var(--white); border-color: var(--line-dark); }
.button-secondary:hover { color: var(--navy); border-color: var(--teal); background: var(--mint-2); }
.button-light { color: var(--navy); background: var(--white); }
.button-light:hover { color: var(--navy); background: var(--sand); }
.button-wide { width: 100%; margin-top: 22px; }
.button-small { min-height: 40px; padding: 9px 15px; font-size: .82rem; }
.button-row { display: flex; flex-wrap: wrap; align-items: center; gap: 12px; margin-top: 30px; }
.text-link { display: inline-flex; align-items: center; gap: 7px; color: var(--navy); font-weight: 800; text-decoration: none; }
.text-link:hover { color: var(--teal); }
.text-link .icon { width: 1em; transition: transform .16s ease; }
.text-link:hover .icon { transform: translateX(3px); }

/* Hero */
.hero { padding: 84px 0 74px; position: relative; overflow: hidden; background: radial-gradient(circle at 81% 20%, #e3f8f4 0, transparent 34%), linear-gradient(180deg,#fff 0,#fbfdfd 100%); }
.hero::before { content: ""; position: absolute; width: 260px; height: 260px; border: 1px solid #dceceb; border-radius: 50%; left: -130px; bottom: -145px; }
.hero-grid { display: grid; grid-template-columns: 1.08fr .92fr; align-items: center; gap: 56px; }
.hero-copy { position: relative; z-index: 1; }
.hero-copy h1 { max-width: 780px; }
.hero-lede { color: var(--ink-2); font-size: clamp(1.1rem, 1.8vw, 1.34rem); line-height: 1.62; max-width: 710px; }
.hero-badge { display: inline-flex; align-items: center; gap: 7px; padding: 7px 12px; margin-bottom: 18px; color: var(--success); background: #eaf7f0; border: 1px solid #cbe7d8; border-radius: 999px; font-weight: 800; font-size: .76rem; }
.hero-badge .icon { width: 1rem; }
.hero-visual { min-width: 0; filter: drop-shadow(0 18px 35px rgba(11,52,66,.08)); }
.trust-row { display: flex; flex-wrap: wrap; gap: 13px 20px; margin-top: 28px; color: var(--ink-3); font-size: .78rem; font-weight: 700; }
.trust-row span { display: inline-flex; align-items: center; gap: 5px; }
.trust-row .icon { color: var(--success); width: 1rem; }

.proof-strip { background: var(--navy); color: var(--white); }
.proof-grid { display: grid; grid-template-columns: repeat(4,1fr); }
.proof-grid > div { display: flex; align-items: baseline; justify-content: center; gap: 10px; padding: 25px 18px; border-right: 1px solid rgba(255,255,255,.14); }
.proof-grid > div:last-child { border: 0; }
.proof-grid strong { color: #89ded5; font-family: Georgia, serif; font-size: 1.8rem; }
.proof-grid span { font-size: .78rem; font-weight: 750; letter-spacing: .02em; }

/* Section headings */
.section-heading { margin-bottom: 36px; }
.section-heading h2 { max-width: 780px; }
.split-heading { display: flex; align-items: end; justify-content: space-between; gap: 40px; }
.split-heading > p { color: var(--ink-2); max-width: 460px; margin-bottom: 8px; }

/* Cards */
.card-grid { display: grid; gap: 22px; }
.card-grid.three { grid-template-columns: repeat(3,1fr); }
.card-grid.two { grid-template-columns: repeat(2,1fr); }
.card { position: relative; display: flex; flex-direction: column; padding: 30px; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow-sm); overflow: hidden; }
.card::after { content: ""; position: absolute; width: 80px; height: 80px; border-radius: 50%; background: var(--mint); right: -30px; top: -35px; }
.card-icon { display: grid; place-items: center; width: 50px; height: 50px; border-radius: 14px; color: var(--teal); background: var(--mint); margin-bottom: 24px; }
.card-icon .icon { width: 25px; height: 25px; }
.card h3 { font-size: 1.55rem; }
.card p { color: var(--ink-2); font-size: .94rem; }
.card .text-link { margin-top: auto; padding-top: 10px; }

/* Homepage tool showcase */
.tool-showcase { display: grid; grid-template-columns: 1.15fr .85fr; gap: 70px; align-items: center; }
.tool-copy > p { color: var(--ink-2); font-size: 1.08rem; }
.check-list { list-style: none; padding: 0; margin: 24px 0 30px; }
.check-list li { display: flex; align-items: flex-start; gap: 10px; margin: 11px 0; color: var(--ink-2); }
.check-list .icon { color: var(--success); margin-top: 4px; }
.mini-result-card { padding: 38px; background: var(--navy); color: var(--white); border-radius: var(--radius-lg); box-shadow: var(--shadow-md); transform: rotate(1deg); }
.mini-result-card h3 { color: var(--white); font-size: 2rem; }
.mini-result-card p { color: #d6e6e7; font-size: .9rem; }
.result-kicker { display: block; color: #8ddfd6; font-size: .72rem; text-transform: uppercase; letter-spacing: .13em; font-weight: 900; margin-bottom: 10px; }
.result-chip { display: inline-block; color: var(--navy); background: var(--gold); border-radius: 999px; padding: 6px 11px; font-size: .75rem; font-weight: 850; margin: 7px 0 20px; }
.mini-metric { display: flex; align-items: center; justify-content: space-between; gap: 12px; padding: 13px 0; border-top: 1px solid rgba(255,255,255,.13); font-size: .76rem; }
.mini-metric span { color: #b9cfd2; }
.mini-metric strong { color: var(--white); }
.methodology-panel { display: grid; grid-template-columns: 1.25fr 1fr auto; gap: 35px; align-items: center; padding: 42px; border: 1px solid var(--line); border-radius: var(--radius-lg); background: var(--sand); }
.methodology-panel > div > .icon { color: var(--teal); width: 35px; height: 35px; margin-bottom: 12px; }
.methodology-panel h2 { font-size: clamp(1.7rem,2.5vw,2.5rem); }
.methodology-panel p { color: var(--ink-2); margin: 0; }

/* Guides */
.guide-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 22px; }
.guide-card { height: 100%; display: flex; flex-direction: column; padding: 27px; border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); transition: transform .18s ease, box-shadow .18s ease, border-color .18s ease; }
.guide-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-sm); border-color: var(--line-dark); }
.guide-card h2 { font-size: 1.45rem; }
.guide-card h2 a { color: inherit; text-decoration: none; }
.guide-card p { color: var(--ink-2); font-size: .9rem; }
.guide-card .text-link { margin-top: auto; }
.guide-card-meta { display: flex; flex-wrap: wrap; gap: 9px 15px; align-items: center; color: var(--ink-3); font-size: .7rem; font-weight: 800; text-transform: uppercase; letter-spacing: .07em; margin-bottom: 16px; }
.guide-card-meta span { display: inline-flex; align-items: center; gap: 5px; }
.guide-card-meta span:first-child { color: var(--teal); }
.guide-card-meta .icon { width: 1em; }
.filter-row { display: flex; flex-wrap: wrap; gap: 9px; margin: 0 0 32px; }
.filter-button { border: 1px solid var(--line-dark); background: var(--white); color: var(--ink); padding: 8px 15px; border-radius: 999px; font-size: .8rem; font-weight: 800; }
.filter-button:hover, .filter-button.active { background: var(--navy); border-color: var(--navy); color: var(--white); }

/* Page headers and breadcrumbs */
.page-header { padding: 68px 0 45px; background: linear-gradient(180deg,var(--mint-2),#fff); text-align: center; }
.page-header h1 { font-size: clamp(2.5rem,5vw,4.5rem); }
.page-header p { color: var(--ink-2); font-size: 1.1rem; max-width: 720px; margin-inline: auto; }
.breadcrumbs { padding-top: 20px; }
.breadcrumbs ol { list-style: none; display: flex; flex-wrap: wrap; gap: 7px; align-items: center; padding: 0; margin: 0; color: var(--ink-3); font-size: .72rem; }
.breadcrumbs li:not(:last-child)::after { content: "/"; margin-left: 7px; color: #9bb0b4; }
.breadcrumbs a { color: var(--ink-3); text-decoration: none; }
.breadcrumbs a:hover { color: var(--teal); }

/* Tools and forms */
.tool-layout { display: grid; grid-template-columns: minmax(0,1fr) 330px; gap: 34px; align-items: start; }
.calculator-layout { display: grid; grid-template-columns: minmax(0,.9fr) minmax(0,1.1fr); gap: 30px; align-items: start; }
.tool-panel, .form-card, .result-panel { padding: 34px; border: 1px solid var(--line); background: var(--white); border-radius: var(--radius-lg); box-shadow: var(--shadow-sm); }
.tool-step { display: flex; gap: 16px; align-items: flex-start; margin: 2px 0 20px; }
.tool-step:not(:first-child) { margin-top: 36px; padding-top: 32px; border-top: 1px solid var(--line); }
.tool-step > span { display: grid; place-items: center; flex: 0 0 32px; width: 32px; height: 32px; background: var(--navy); color: var(--white); border-radius: 50%; font-weight: 900; font-size: .8rem; }
.tool-step h2 { font-family: inherit; letter-spacing: -.01em; font-size: 1.15rem; margin-bottom: 3px; }
.tool-step p { color: var(--ink-3); font-size: .83rem; margin: 0; }
.choice-grid { display: grid; gap: 12px; }
.choice-grid.two { grid-template-columns: repeat(2,1fr); }
.choice-grid.three { grid-template-columns: repeat(3,1fr); }
.choice-card { cursor: pointer; position: relative; }
.choice-card input { position: absolute; opacity: 0; pointer-events: none; }
.choice-card > span { display: flex; flex-direction: column; gap: 4px; min-height: 122px; padding: 20px; border: 2px solid var(--line); border-radius: 15px; transition: border-color .15s ease, background .15s ease, box-shadow .15s ease; }
.choice-card.compact > span { min-height: 98px; }
.choice-card .icon { color: var(--teal); width: 27px; height: 27px; margin-bottom: 8px; }
.choice-card strong { font-size: .9rem; }
.choice-card small { color: var(--ink-3); font-size: .72rem; line-height: 1.45; }
.choice-card input:checked + span { border-color: var(--teal); background: var(--mint-2); box-shadow: 0 0 0 3px rgba(20,134,151,.1); }
.choice-card input:focus-visible + span { outline: 3px solid rgba(20,134,151,.25); outline-offset: 2px; }
.checkbox-list { display: grid; grid-template-columns: repeat(2,1fr); gap: 10px; }
.checkbox-list label { cursor: pointer; }
.checkbox-list input { position: absolute; opacity: 0; }
.checkbox-list span { display: block; padding: 12px 14px 12px 40px; min-height: 100%; border: 1px solid var(--line); border-radius: 10px; color: var(--ink-2); font-size: .78rem; position: relative; }
.checkbox-list span::before { content: ""; position: absolute; left: 13px; top: 14px; width: 16px; height: 16px; border: 1.5px solid var(--line-dark); border-radius: 4px; background: var(--white); }
.checkbox-list input:checked + span { border-color: var(--teal); background: var(--mint-2); color: var(--ink); }
.checkbox-list input:checked + span::before { background: var(--teal); border-color: var(--teal); box-shadow: inset 0 0 0 3px var(--white); }
.checkbox-list input:focus-visible + span { outline: 3px solid rgba(20,134,151,.2); }
.tool-aside .sticky-card, .article-sidebar .sticky-card { position: sticky; top: 105px; }
.sticky-card { padding: 26px; background: var(--mint-2); border: 1px solid var(--line); border-radius: var(--radius); }
.sticky-card h2 { font-size: 1.5rem; }
.small-callout { margin-top: 24px; padding: 18px; color: var(--warning); background: #fff8e7; border: 1px solid #eed8a4; border-radius: 12px; }
.small-callout p { color: #725b2d; font-size: .75rem; margin: 5px 0 0; }

.field { display: flex; flex-direction: column; gap: 7px; }
.field.full { grid-column: 1 / -1; }
.field label { color: var(--ink); font-weight: 800; font-size: .78rem; }
.field input, .field select, .field textarea, .inline-form input { width: 100%; min-height: 48px; border: 1px solid var(--line-dark); border-radius: 10px; background: var(--white); padding: 10px 12px; outline: 0; }
.field textarea { resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus, .inline-form input:focus { border-color: var(--teal); box-shadow: 0 0 0 3px rgba(20,134,151,.12); }
.form-grid { display: grid; gap: 20px; }
.form-grid.two { grid-template-columns: repeat(2,1fr); }
.input-prefix, .input-suffix { display: flex; align-items: center; border: 1px solid var(--line-dark); border-radius: 10px; background: var(--white); overflow: hidden; }
.input-prefix:focus-within, .input-suffix:focus-within { border-color: var(--teal); box-shadow: 0 0 0 3px rgba(20,134,151,.12); }
.input-prefix span, .input-suffix span { color: var(--ink-3); font-size: .8rem; font-weight: 800; padding: 0 12px; }
.input-prefix input, .input-suffix input { border: 0; box-shadow: none !important; border-radius: 0; }
.input-suffix input { text-align: right; }
.consent-row { display: flex; gap: 10px; align-items: flex-start; margin: 22px 0 2px; color: var(--ink-2); font-size: .72rem; }
.consent-row input { margin-top: 4px; }
.honeypot { position: absolute !important; left: -10000px !important; width: 1px !important; height: 1px !important; overflow: hidden !important; }
.form-status { min-height: 24px; margin-top: 12px; font-size: .78rem; font-weight: 750; }
.form-status.success { color: var(--success); }
.form-status.error { color: var(--danger); }
.form-card.is-loading button[type="submit"] { opacity: .65; pointer-events: none; }
.turnstile-slot { min-height: 8px; margin-top: 18px; }

.result-panel { min-height: 410px; background: var(--mint-2); }
.empty-state { min-height: 340px; display: flex; flex-direction: column; align-items: center; justify-content: center; text-align: center; color: var(--ink-3); }
.empty-state .icon { width: 48px; height: 48px; color: var(--teal); margin-bottom: 18px; }
.empty-state h2 { font-size: 1.65rem; }
.empty-state p { max-width: 480px; font-size: .85rem; }
.result-panel h2 { font-size: 1.8rem; }
.result-summary { padding-bottom: 22px; border-bottom: 1px solid var(--line); margin-bottom: 22px; }
.result-amount { display: block; color: var(--navy); font-family: Georgia, serif; font-size: clamp(2rem,4vw,3.5rem); font-weight: 800; line-height: 1; margin: 9px 0; }
.result-range { color: var(--ink-3); font-size: .75rem; }
.metric-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 12px; }
.metric-card { padding: 16px; border: 1px solid var(--line); background: var(--white); border-radius: 12px; }
.metric-card span { display: block; color: var(--ink-3); font-size: .68rem; font-weight: 800; text-transform: uppercase; letter-spacing: .06em; }
.metric-card strong { display: block; color: var(--navy); font-size: 1.15rem; margin-top: 4px; }
.result-note { margin-top: 20px; padding: 15px; background: var(--white); border-left: 4px solid var(--gold); border-radius: 8px; color: var(--ink-2); font-size: .76rem; }
.result-actions { display: flex; flex-wrap: wrap; gap: 9px; margin-top: 18px; }
.result-heading { display: flex; align-items: flex-start; justify-content: space-between; gap: 20px; }
.result-heading .result-kicker { color: var(--teal); }
.result-system-list { display: grid; gap: 15px; margin-top: 24px; }
.result-system { padding: 22px; border: 1px solid var(--line); background: var(--white); border-radius: 14px; }
.result-system-header { display: flex; justify-content: space-between; gap: 18px; }
.result-system h3 { font-family: inherit; font-size: 1rem; letter-spacing: 0; margin-bottom: 4px; }
.result-system p { color: var(--ink-2); font-size: .78rem; margin-bottom: 12px; }
.system-scope { flex: 0 0 auto; color: var(--teal); font-size: .65rem; font-weight: 850; text-transform: uppercase; letter-spacing: .05em; }
.finder-results-section { background: var(--mint-2); border-block: 1px solid var(--line); }
.finder-results-section [tabindex]:focus { outline: none; }
.finder-summary { max-width: 900px; }
.finder-warning { padding: 18px; margin: 20px 0; background: #fff7e3; border: 1px solid #ead293; border-radius: 12px; color: #6b5523; }
.standard-tags { display: flex; flex-wrap: wrap; gap: 7px; margin-top: 10px; }
.standard-tags span { padding: 5px 9px; background: var(--mint); color: var(--navy); border-radius: 999px; font-size: .65rem; font-weight: 750; }

/* Tables and prose */
.data-table-wrap { overflow-x: auto; margin: 24px 0 30px; border: 1px solid var(--line); border-radius: 13px; }
table { width: 100%; border-collapse: collapse; min-width: 560px; background: var(--white); }
th, td { padding: 14px 16px; border-bottom: 1px solid var(--line); text-align: left; vertical-align: top; font-size: .78rem; }
th { background: var(--mint-2); color: var(--navy); font-weight: 850; }
tr:last-child td { border-bottom: 0; }
.article-callout { padding: 22px 24px; margin: 28px 0; background: var(--sand); border: 1px solid #e8d9b9; border-left: 5px solid var(--gold); border-radius: 12px; }
.article-callout h2, .article-callout h3 { font-family: inherit; letter-spacing: 0; font-size: 1rem; margin-bottom: 6px; }
.article-callout p { color: #5d4f34; font-size: .82rem; margin: 0; }
.formula-box { display: grid; gap: 8px; padding: 20px; margin: 24px 0; background: var(--navy); color: var(--white); border-radius: 12px; }
.formula-box strong { color: #86ddd4; font-size: .72rem; text-transform: uppercase; letter-spacing: .08em; }
.formula-box code { color: var(--white); white-space: normal; }
.source-panel { margin-top: 45px; padding: 27px; background: #f8faf9; border: 1px solid var(--line); border-radius: 14px; }
.source-panel h2 { font-family: inherit; font-size: 1rem; letter-spacing: 0; }
.source-panel p, .source-panel li { color: var(--ink-2); font-size: .75rem; }
.source-panel ul { margin-bottom: 0; }
.disclosure-note { margin: 24px 0; padding: 14px 16px; background: var(--sand); border: 1px solid #eadfc5; border-radius: 10px; color: #615338; font-size: .72rem; }
.prose-page > section { margin-bottom: 48px; }
.prose-page h2 { font-size: 2rem; }
.prose-page p, .prose-page li { color: var(--ink-2); }

/* Article */
.article-header { padding: 54px 0 35px; text-align: center; }
.article-header h1 { font-size: clamp(2.45rem,5vw,4.6rem); }
.article-deck { color: var(--ink-2); font-size: 1.12rem; }
.article-header .guide-card-meta { justify-content: center; }
.article-layout { display: grid; grid-template-columns: minmax(0,760px) 270px; gap: 62px; justify-content: center; align-items: start; padding-bottom: 85px; }
.article-body { min-width: 0; }
.article-body > section { margin-top: 48px; }
.article-body h2 { font-size: clamp(1.8rem,3vw,2.45rem); margin-bottom: 18px; }
.article-body p, .article-body li { color: var(--ink-2); }
.article-body li { margin: 7px 0; }
.article-intro { font-size: 1.2rem; color: var(--ink) !important; border-left: 5px solid var(--teal); padding-left: 22px; }
.article-sidebar a:not(.button) { display: flex; align-items: center; gap: 9px; padding: 11px 0; border-bottom: 1px solid var(--line); color: var(--ink); font-size: .78rem; font-weight: 800; text-decoration: none; }
.article-sidebar a .icon { color: var(--teal); }
.article-sidebar hr { border: 0; border-top: 1px solid var(--line); margin: 18px 0; }
.article-sidebar p { color: var(--ink-3); font-size: .72rem; }

/* Newsletter, CTA, FAQ */
.newsletter { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: center; padding: 38px 42px; background: var(--sand); border: 1px solid #eadfc5; border-radius: var(--radius-lg); }
.newsletter h2 { font-size: clamp(1.8rem,3vw,2.5rem); }
.newsletter p { color: var(--ink-2); margin-bottom: 0; }
.newsletter-compact { padding: 30px 34px; }
.inline-form { display: grid; grid-template-columns: minmax(0,1fr) auto; gap: 10px; align-items: start; }
.inline-form .form-status { grid-column: 1 / -1; margin: 0; }
.cta-panel { display: flex; align-items: center; justify-content: space-between; gap: 40px; padding: 45px; background: var(--navy); color: var(--white); border-radius: var(--radius-lg); overflow: hidden; position: relative; }
.cta-panel::after { content: ""; position: absolute; width: 190px; height: 190px; border-radius: 50%; border: 1px solid rgba(255,255,255,.16); right: -85px; bottom: -100px; }
.cta-panel h2 { color: var(--white); font-size: clamp(1.9rem,3.2vw,3rem); }
.cta-panel p { color: #c7dbdd; max-width: 720px; margin-bottom: 0; }
.cta-panel .eyebrow { color: #8ddfd6; }
.cta-panel .button { position: relative; z-index: 1; flex: 0 0 auto; }
.faq-list details { border-bottom: 1px solid var(--line); }
.faq-list summary { list-style: none; position: relative; padding: 21px 42px 21px 0; color: var(--navy); font-weight: 850; cursor: pointer; }
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::after { content: "+"; position: absolute; right: 4px; top: 16px; color: var(--teal); font-size: 1.45rem; }
.faq-list details[open] summary::after { content: "–"; }
.faq-list details p { color: var(--ink-2); padding: 0 40px 22px 0; }

/* Form pages */
.form-page-grid { display: grid; grid-template-columns: 340px minmax(0,730px); gap: 50px; justify-content: center; align-items: start; }
.form-intro { padding-top: 20px; }
.form-intro h2 { font-size: 2rem; }
.form-intro > p { color: var(--ink-2); }
.privacy-chip { padding: 16px; display: flex; gap: 9px; align-items: flex-start; color: var(--success); background: #edf8f3; border: 1px solid #cee7da; border-radius: 12px; font-size: .74rem; font-weight: 700; }
.privacy-chip .icon { margin-top: 2px; }
.three-step-row { display: grid; grid-template-columns: repeat(3,1fr); gap: 30px; }
.three-step-row > div { text-align: center; }
.three-step-row > div > span { display: grid; place-items: center; width: 38px; height: 38px; margin: 0 auto 12px; color: var(--white); background: var(--navy); border-radius: 50%; font-weight: 900; }
.three-step-row h2 { font-family: inherit; letter-spacing: 0; font-size: 1rem; }
.three-step-row p { color: var(--ink-3); font-size: .78rem; }

/* Footer */
.site-footer { padding: 70px 0 25px; background: #082c37; color: #d3e2e4; }
.footer-top { display: grid; grid-template-columns: 2fr repeat(4,1fr); gap: 35px; }
.footer-brand { padding-right: 25px; }
.footer-brand .brand { color: var(--white); margin-bottom: 20px; }
.footer-brand p { color: #a9c0c4; font-size: .78rem; }
.footer-group { display: flex; flex-direction: column; gap: 8px; }
.footer-group h2 { color: var(--white); font-family: inherit; font-size: .76rem; letter-spacing: .09em; text-transform: uppercase; margin-bottom: 8px; }
.footer-group a { color: #b7cbce; font-size: .75rem; text-decoration: none; }
.footer-group a:hover { color: #82d9d0; }
.footer-bottom { display: flex; justify-content: space-between; gap: 20px; padding-top: 26px; margin-top: 50px; border-top: 1px solid rgba(255,255,255,.1); color: #829ea3; font-size: .68rem; }

/* 404 */
.not-found { min-height: 65vh; display: grid; place-items: center; text-align: center; padding: 80px 0; background: var(--mint-2); }
.not-found > div > .icon { width: 80px; height: 80px; color: var(--teal); margin: 0 auto 18px; }
.not-found h1 { font-size: clamp(2.4rem,5vw,4.5rem); }
.not-found p { color: var(--ink-2); }
.not-found .button-row { justify-content: center; }

@media (max-width: 1020px) {
  .hero-grid { grid-template-columns: 1fr .75fr; gap: 25px; }
  .main-nav { gap: 15px; }
  .nav-link { font-size: .79rem; }
  .card-grid.three, .guide-grid { grid-template-columns: repeat(2,1fr); }
  .tool-layout { grid-template-columns: 1fr; }
  .tool-aside .sticky-card { position: static; }
  .article-layout { grid-template-columns: minmax(0,720px); }
  .article-sidebar { display: none; }
  .footer-top { grid-template-columns: 2fr repeat(2,1fr); }
  .footer-brand { grid-row: span 2; }
  .methodology-panel { grid-template-columns: 1fr 1fr; }
  .methodology-panel .button { grid-column: 1 / -1; justify-self: start; }
}

@media (max-width: 800px) {
  body { font-size: 16px; }
  .container, .container.narrow, .narrow { width: min(calc(100% - 28px), var(--container)); }
  .section { padding: 66px 0; }
  .section-tight { padding: 44px 0; }
  .header-inner { min-height: 68px; }
  .menu-button { display: block; }
  .main-nav { position: fixed; inset: 68px 0 auto; display: none; flex-direction: column; align-items: stretch; gap: 0; padding: 18px 20px 26px; background: var(--white); border-bottom: 1px solid var(--line); box-shadow: var(--shadow-md); }
  .main-nav.open { display: flex; }
  .nav-link { padding: 13px; font-size: .92rem; }
  .nav-cta { margin-top: 8px; text-align: center; }
  .hero { padding: 60px 0; }
  .hero-grid { grid-template-columns: 1fr; }
  .hero-visual { max-width: 540px; margin-inline: auto; }
  .proof-grid { grid-template-columns: repeat(2,1fr); }
  .proof-grid > div:nth-child(2) { border-right: 0; }
  .proof-grid > div:nth-child(-n+2) { border-bottom: 1px solid rgba(255,255,255,.14); }
  .split-heading { display: block; }
  .tool-showcase, .calculator-layout, .newsletter, .form-page-grid { grid-template-columns: 1fr; }
  .methodology-panel { grid-template-columns: 1fr; }
  .methodology-panel .button { grid-column: auto; }
  .cta-panel { display: block; padding: 35px; }
  .cta-panel .button { margin-top: 22px; }
  .footer-top { grid-template-columns: repeat(2,1fr); }
  .footer-brand { grid-column: 1 / -1; grid-row: auto; }
  .footer-bottom { flex-direction: column; }
  .choice-grid.three { grid-template-columns: 1fr; }
  .form-page-grid { gap: 20px; }
  .form-intro { padding: 0; }
}

@media (max-width: 580px) {
  h1 { font-size: 2.55rem; }
  h2 { font-size: 2rem; }
  .brand small { display: none; }
  .hero-visual { display: none; }
  .hero { padding: 54px 0; }
  .button-row { align-items: stretch; }
  .button-row .button { width: 100%; }
  .trust-row { display: grid; }
  .proof-grid > div { flex-direction: column; align-items: center; gap: 0; text-align: center; }
  .card-grid.three, .card-grid.two, .guide-grid { grid-template-columns: 1fr; }
  .card, .tool-panel, .form-card, .result-panel { padding: 24px; }
  .tool-showcase { gap: 35px; }
  .mini-result-card { padding: 28px; }
  .methodology-panel, .newsletter, .cta-panel { padding: 28px; }
  .newsletter .inline-form { grid-template-columns: 1fr; }
  .inline-form .button { width: 100%; }
  .choice-grid.two, .checkbox-list, .form-grid.two, .metric-grid { grid-template-columns: 1fr; }
  .choice-card > span { min-height: auto; }
  .field.full { grid-column: auto; }
  .three-step-row { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr 1fr; gap: 30px 20px; }
  .footer-brand { grid-column: 1 / -1; }
  .article-header { text-align: left; }
  .article-header .guide-card-meta { justify-content: flex-start; }
  .article-intro { font-size: 1.08rem; }
  th, td { padding: 12px; }
}

@media print {
  .site-header, .site-footer, .button, .newsletter, .cta-panel, .article-sidebar, .breadcrumbs { display: none !important; }
  body { color: #000; font-size: 12pt; }
  .article-layout { display: block; }
  .article-header { padding-top: 0; }
  a { color: #000; text-decoration: none; }
  .section { padding: 30px 0; }
}