:root {
  --color-ink: #172033;
  --color-navy: #12365a;
  --color-blue: #0e5aa7;
  --color-red: #d5232f;
  --color-background: #f7f6f2;
  --color-surface: #ffffff;
  --color-muted: #667085;
  --color-border: #d8e0e8;
  --color-soft-blue: #edf4fa;
  --color-gold: #c99535;
  --color-success: #15715f;
  --shadow-soft: 0 14px 34px rgba(18, 54, 90, 0.075);
  --shadow-lift: 0 18px 42px rgba(18, 54, 90, 0.11);
  --radius-sm: 10px;
  --radius-md: 14px;
  --radius-lg: 18px;
  --site-width: 1180px;
  --article-width: 720px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  scroll-padding-top: 132px;
}

body {
  margin: 0;
  overflow-x: hidden;
  color: var(--color-ink);
  background: var(--color-background);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Arial, sans-serif;
  font-size: 16px;
  letter-spacing: 0;
}

body.menu-open {
  overflow: hidden;
}

.skip-link {
  position: fixed;
  top: 10px;
  left: 10px;
  z-index: 200;
  padding: 12px 14px;
  border-radius: var(--radius-sm);
  color: #fff;
  background: var(--color-navy);
  font-weight: 850;
  transform: translateY(-140%);
  transition: transform 160ms ease;
}

.skip-link:focus {
  transform: translateY(0);
}

[hidden] {
  display: none !important;
}

img,
svg {
  display: block;
  max-width: 100%;
}

a {
  color: inherit;
  text-decoration: none;
}

button,
input,
select,
textarea {
  font: inherit;
  letter-spacing: 0;
}

p,
li {
  color: var(--color-muted);
  line-height: 1.65;
}

p,
h1,
h2,
h3 {
  margin-top: 0;
}

h1,
h2,
h3 {
  color: var(--color-ink);
  text-wrap: balance;
}

h1 {
  max-width: 760px;
  margin-bottom: 18px;
  font-size: clamp(38px, 6vw, 58px);
  line-height: 1.02;
  letter-spacing: 0;
}

h2 {
  margin-bottom: 16px;
  font-size: clamp(28px, 4vw, 44px);
  line-height: 1.08;
  letter-spacing: 0;
}

h3 {
  margin-bottom: 8px;
  font-size: 22px;
  line-height: 1.18;
  letter-spacing: 0;
}

:focus-visible {
  outline: 3px solid rgba(14, 90, 167, 0.75);
  outline-offset: 4px;
}

.container {
  width: calc(100% - 40px);
  max-width: var(--site-width);
  margin-inline: auto;
}

.disclosure-bar {
  background: var(--color-navy);
  color: rgba(255, 255, 255, 0.92);
}

.disclosure-inner {
  min-height: 36px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 7px 0;
}

.disclosure-inner p {
  margin: 0;
  color: rgba(255, 255, 255, 0.9);
  font-size: 13px;
  font-weight: 750;
  line-height: 1.35;
}

.disclosure-inner a {
  min-height: 44px;
  display: inline-flex;
  align-items: center;
  color: #ffd680;
  font-size: 13px;
  font-weight: 850;
  white-space: nowrap;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  border-bottom: 1px solid rgba(216, 224, 232, 0.9);
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(14px);
}

.header-inner {
  min-height: 76px;
  display: grid;
  grid-template-columns: auto minmax(0, 1fr) auto auto;
  align-items: center;
  gap: 26px;
}

.brand {
  min-height: 48px;
  display: inline-flex;
  align-items: center;
  width: 266px;
}

.brand img {
  width: 266px;
  height: auto;
}

.desktop-nav {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 18px;
  font-size: 15px;
  font-weight: 800;
}

.desktop-nav a {
  position: relative;
  min-height: 76px;
  display: inline-flex;
  align-items: center;
  color: #26364b;
}

.nav-group {
  position: relative;
  min-height: 76px;
  display: inline-flex;
  align-items: center;
}

.nav-parent {
  gap: 7px;
  padding-right: 14px;
}

.nav-parent::before {
  content: "";
  position: absolute;
  right: 0;
  top: 50%;
  width: 7px;
  height: 7px;
  border-right: 2px solid currentColor;
  border-bottom: 2px solid currentColor;
  transform: translateY(-68%) rotate(45deg);
  opacity: 0.7;
}

.nav-dropdown {
  position: absolute;
  top: calc(100% - 8px);
  left: 50%;
  z-index: 60;
  width: max-content;
  min-width: 236px;
  max-width: 280px;
  display: grid;
  gap: 2px;
  padding: 10px;
  border: 1px solid rgba(216, 224, 232, 0.95);
  border-radius: var(--radius-sm);
  background: rgba(255, 255, 255, 0.98);
  box-shadow: 0 20px 44px rgba(18, 54, 90, 0.14);
  opacity: 0;
  pointer-events: none;
  transform: translate(-50%, 8px);
  transition: opacity 160ms ease, transform 160ms ease;
}

.nav-group:hover .nav-dropdown,
.nav-group:focus-within .nav-dropdown {
  opacity: 1;
  pointer-events: auto;
  transform: translate(-50%, 0);
}

.nav-dropdown a {
  min-height: 42px;
  align-items: center;
  padding: 9px 11px;
  border-radius: 8px;
  font-size: 14px;
  font-weight: 800;
}

.nav-dropdown a::after {
  content: none;
}

.nav-dropdown a:hover,
.nav-dropdown a[aria-current="page"] {
  color: var(--color-blue);
  background: var(--color-soft-blue);
}

.desktop-nav a::after {
  content: "";
  position: absolute;
  right: 0;
  bottom: -1px;
  left: 0;
  height: 3px;
  background: var(--color-red);
  transform: scaleX(0);
  transform-origin: center;
  transition: transform 180ms ease;
}

.desktop-nav a:hover,
.desktop-nav a[aria-current="page"] {
  color: var(--color-ink);
}

.desktop-nav a:hover::after,
.desktop-nav a[aria-current="page"]::after {
  transform: scaleX(1);
}

.nav-dropdown a:hover::after,
.nav-dropdown a[aria-current="page"]::after {
  transform: none;
}

.header-actions,
.hero-actions,
.compact-actions,
.final-cta-actions,
.mobile-menu-actions {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 12px;
}

.phone-link {
  min-height: 48px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 9px;
  padding: 0 15px;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  color: var(--color-ink);
  background: #fff;
  font-weight: 850;
  white-space: nowrap;
}

.phone-link svg,
.button svg,
.card-icon svg,
.trust-item svg,
.key-fact-mark svg,
.clean-list svg,
.meta-row svg {
  width: 19px;
  height: 19px;
  flex: 0 0 auto;
}

.button {
  min-height: 48px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 9px;
  padding: 12px 18px;
  border: 1px solid transparent;
  border-radius: var(--radius-sm);
  font-size: 15px;
  font-weight: 850;
  line-height: 1.1;
  white-space: nowrap;
  transition: transform 160ms ease, box-shadow 160ms ease, background 160ms ease, border-color 160ms ease;
}

.button-primary {
  color: #fff;
  background: linear-gradient(135deg, #12365a 0%, #0e5aa7 100%);
  border-color: rgba(14, 90, 167, 0.9);
  box-shadow: 0 12px 26px rgba(18, 54, 90, 0.18);
}

.button-primary svg {
  color: rgba(255, 255, 255, 0.92);
}

.button-secondary {
  color: var(--color-ink);
  background: #fff;
  border-color: var(--color-border);
}

.button-text {
  min-height: 44px;
  padding: 0;
  color: #0b6f7d;
  background: transparent;
  border-color: transparent;
}

.button:hover,
.phone-link:hover,
.intent-card:hover,
.related-guide-card:hover,
.topic-panel-list a:hover {
  transform: translateY(-1px);
}

.button-primary:hover {
  color: #ffffff;
  background: linear-gradient(135deg, #0b263f 0%, #0e5aa7 100%);
  border-color: #0e5aa7;
  box-shadow: 0 16px 34px rgba(18, 54, 90, 0.24);
}

.button-secondary:hover,
.phone-link:hover {
  border-color: #b7c6d5;
  box-shadow: 0 12px 26px rgba(18, 54, 90, 0.08);
}

.menu-button {
  display: none;
  min-width: 78px;
  height: 48px;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 0 12px;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  color: var(--color-ink);
  background: #fff;
  cursor: pointer;
}

.menu-button-icon {
  display: grid;
  gap: 5px;
}

.menu-button-text {
  color: var(--color-ink);
  font-size: 13px;
  font-weight: 850;
  line-height: 1;
}

.menu-line {
  width: 21px;
  height: 2px;
  border-radius: 99px;
  background: currentColor;
}

.mobile-menu-backdrop {
  position: fixed;
  inset: 0;
  z-index: 80;
  background: rgba(10, 20, 34, 0.58);
  backdrop-filter: blur(8px);
}

.mobile-menu {
  position: fixed;
  inset: 0 0 0 auto;
  z-index: 90;
  width: min(448px, 100vw);
  overflow-y: auto;
  display: flex;
  flex-direction: column;
  padding: 0;
  border-left: 1px solid var(--color-border);
  background: linear-gradient(180deg, #ffffff 0%, #f7f9fb 100%);
  box-shadow: -28px 0 70px rgba(7, 24, 45, 0.26);
}

.mobile-menu-head {
  min-height: 72px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 20px 22px 18px;
  border-bottom: 1px solid var(--color-border);
  background: rgba(255, 255, 255, 0.94);
  box-shadow: 0 16px 38px rgba(18, 54, 90, 0.08);
}

.mobile-menu-head img {
  width: 214px;
  height: auto;
}

.menu-close {
  width: 44px;
  height: 44px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex: 0 0 auto;
  border: 1px solid #c8d6e3;
  border-radius: 50%;
  color: var(--color-ink);
  background: #fff;
  box-shadow: 0 10px 24px rgba(18, 54, 90, 0.1);
  cursor: pointer;
}

.menu-close svg {
  width: 20px;
  height: 20px;
}

.mobile-nav {
  display: grid;
  gap: 14px;
  padding: 18px;
}

.mobile-nav a {
  position: relative;
  min-height: 46px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 13px 14px;
  border: 1px solid transparent;
  border-radius: 10px;
  color: var(--color-ink);
  font-size: 15px;
  font-weight: 850;
  line-height: 1.25;
  background: transparent;
}

.mobile-nav a::after {
  content: "";
  width: 8px;
  height: 8px;
  border-top: 2px solid currentColor;
  border-right: 2px solid currentColor;
  transform: rotate(45deg);
  opacity: 0.35;
  flex: 0 0 auto;
}

.mobile-nav-group {
  display: grid;
  gap: 10px;
  padding: 16px;
  border: 1px solid #dbe5ee;
  border-radius: 18px;
  background: rgba(255, 255, 255, 0.9);
  box-shadow: 0 16px 36px rgba(18, 54, 90, 0.08);
}

.mobile-nav-heading {
  display: flex;
  align-items: center;
  gap: 10px;
  color: #64758b;
  font-size: 12px;
  font-weight: 950;
  letter-spacing: 0;
  line-height: 1;
  text-transform: uppercase;
}

.mobile-nav-heading::before {
  content: "";
  width: 8px;
  height: 8px;
  border-radius: 99px;
  background: var(--color-red);
  box-shadow: 0 0 0 4px rgba(213, 35, 47, 0.09);
}

.mobile-nav-links {
  display: grid;
  gap: 4px;
}

.mobile-nav-links a {
  color: #102a43;
}

.mobile-nav a[aria-current="page"] {
  color: var(--color-blue);
  border-color: #bfd7ea;
  background: #f0f7fb;
  box-shadow: inset 3px 0 0 var(--color-blue);
}

.mobile-menu-actions {
  display: grid;
  gap: 10px;
  margin-top: auto;
  padding: 14px 18px 20px;
  border-top: 1px solid var(--color-border);
  background: rgba(255, 255, 255, 0.94);
  box-shadow: 0 -12px 30px rgba(18, 54, 90, 0.08);
}

.mobile-menu-actions .button {
  width: 100%;
}

.home-hero {
  position: relative;
  overflow: hidden;
  border-bottom: 1px solid var(--color-border);
  background: linear-gradient(112deg, #f7f6f2 0%, #fbfaf7 52%, #edf4fa 100%);
}

.home-hero::before {
  content: none;
}

.home-hero-grid {
  position: relative;
  display: grid;
  grid-template-columns: minmax(0, 0.58fr) minmax(330px, 0.42fr);
  gap: 56px;
  align-items: center;
  padding: 84px 0 76px;
}

.home-hero-copy {
  min-width: 0;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 14px;
  color: #0b6f7d;
  font-size: 14px;
  font-weight: 900;
  line-height: 1.3;
}

.hero-lead,
.article-intro,
.section-heading p {
  max-width: 690px;
  color: #35475c;
  font-size: 19px;
  line-height: 1.6;
}

.hero-actions {
  margin: 28px 0 22px;
}

.hero-fine-print {
  max-width: 520px;
  margin: 6px 0 0;
  color: #65758a;
  font-size: 13px;
  line-height: 1.55;
}

.article-action-stack {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
}

.trust-line {
  max-width: 780px;
  margin: 0;
  color: #43546a;
  font-size: 14px;
  font-weight: 750;
}

.topic-panel {
  overflow: hidden;
  border: 1px solid rgba(216, 224, 232, 0.95);
  border-radius: var(--radius-md);
  background: rgba(255, 255, 255, 0.92);
  box-shadow: 0 12px 30px rgba(18, 54, 90, 0.08);
}

.topic-panel-head {
  padding: 24px;
  border-bottom: 1px solid var(--color-border);
  background: var(--color-navy);
}

.topic-panel-head p {
  margin: 0 0 7px;
  color: #ffd680;
  font-size: 14px;
  font-weight: 850;
}

.topic-panel-head strong {
  display: block;
  color: #fff;
  font-size: 22px;
  line-height: 1.25;
}

.topic-panel-list {
  display: grid;
}

.topic-panel-list a {
  min-height: 72px;
  display: grid;
  grid-template-columns: 44px minmax(0, 1fr) 24px;
  align-items: center;
  gap: 16px;
  padding: 18px 22px;
  border-bottom: 1px solid var(--color-border);
  transition: transform 160ms ease, background 160ms ease, box-shadow 160ms ease;
}

.topic-panel-list a:last-child {
  border-bottom: 0;
}

.topic-panel-list a:hover {
  background: var(--color-soft-blue);
}

.topic-panel-item {
  min-height: 74px;
  display: grid;
  grid-template-columns: 38px minmax(0, 1fr);
  align-items: center;
  gap: 14px;
  padding: 18px 22px;
  border-bottom: 1px solid var(--color-border);
}

.topic-panel-item:last-child {
  border-bottom: 0;
}

.topic-panel-item span {
  width: 34px;
  height: 34px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border: 1px solid rgba(11, 111, 125, 0.18);
  border-radius: 10px;
  color: #0b6f7d;
  background: #eef9f8;
}

.topic-panel-note {
  margin: 0;
  padding: 18px 22px 20px;
  border-top: 1px solid var(--color-border);
  color: #41566d;
  font-size: 15px;
  font-weight: 760;
  line-height: 1.45;
}

.topic-panel-list span {
  color: var(--color-red);
  font-size: 13px;
  font-weight: 950;
}

.topic-panel-list strong {
  color: var(--color-ink);
  line-height: 1.25;
}

.topic-panel-list svg {
  width: 21px;
  height: 21px;
  color: var(--color-blue);
}

.topic-panel-list .topic-panel-item span {
  color: #0b6f7d;
  font-size: 13px;
  font-weight: 950;
}

.topic-panel-list .topic-panel-item svg {
  width: 17px;
  height: 17px;
  color: currentColor;
}

.trust-strip-section {
  padding: 18px 0;
  border-bottom: 1px solid var(--color-border);
  background: #fff;
}

.trust-strip {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 12px;
}

.trust-item {
  min-height: 60px;
  display: flex;
  align-items: center;
  gap: 11px;
  padding: 14px 16px;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  color: #27384d;
  background: #fff;
  font-size: 14px;
  font-weight: 850;
}

.trust-item svg {
  color: var(--color-blue);
}

.section {
  padding: 82px 0;
}

.section-tight {
  padding: 34px 0 0;
}

.section-soft {
  background: #fff;
  border-block: 1px solid rgba(216, 224, 232, 0.85);
}

.section-heading {
  max-width: 760px;
  margin-bottom: 32px;
}

.section-heading p {
  margin-bottom: 0;
}

.intent-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(218px, 1fr));
  gap: 16px;
}

.intent-card,
.related-guide-card {
  position: relative;
  overflow: hidden;
  min-height: 238px;
  display: grid;
  grid-template-rows: auto minmax(0, 1fr) auto;
  gap: 20px;
  padding: 24px 24px 22px;
  border: 1px solid rgba(184, 202, 216, 0.82);
  border-radius: var(--radius-md);
  background:
    linear-gradient(180deg, rgba(255, 255, 255, 0.98) 0%, rgba(248, 251, 253, 0.98) 100%);
  box-shadow: 0 16px 34px rgba(18, 54, 90, 0.055);
  transition: transform 160ms ease, box-shadow 160ms ease, border-color 160ms ease;
}

.intent-card::before,
.related-guide-card::before {
  content: "";
  position: absolute;
  inset: 0;
  pointer-events: none;
  background:
    radial-gradient(circle at 18% 12%, rgba(14, 90, 167, 0.12), transparent 28%),
    linear-gradient(90deg, rgba(18, 54, 90, 0.08), transparent 52%);
  opacity: 0.55;
  transition: opacity 160ms ease;
}

.intent-card:hover,
.intent-card:focus-visible,
.related-guide-card:hover,
.related-guide-card:focus-visible {
  border-color: rgba(14, 90, 167, 0.44);
  box-shadow: 0 20px 44px rgba(18, 54, 90, 0.12);
}

.intent-card-top {
  position: relative;
  z-index: 1;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
}

.intent-card-kicker {
  color: #4f6680;
  font-size: 12px;
  font-weight: 950;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.intent-card:hover::before,
.intent-card:focus-visible::before,
.related-guide-card:hover::before,
.related-guide-card:focus-visible::before {
  opacity: 0.85;
}

.intent-card-copy {
  position: relative;
  z-index: 1;
  display: grid;
  gap: 11px;
}

.intent-card strong,
.related-guide-card span {
  color: var(--color-ink);
  font-size: 21px;
  line-height: 1.18;
}

.intent-card em,
.related-guide-card em {
  color: #43546a;
  font-style: normal;
  line-height: 1.58;
}

.related-guide-card {
  min-height: 0;
  display: flex;
  flex-direction: column;
  gap: 14px;
  padding: 22px;
}

.related-guide-title {
  color: var(--color-ink);
  font-size: 19px;
  line-height: 1.2;
}

.related-guide-card em {
  font-size: 15px;
}

.related-guide-card .related-guide-link {
  position: relative;
  z-index: 1;
  margin-top: auto;
  color: #0e5aa7;
  font-size: 14px;
  line-height: 1.2;
  font-weight: 900;
}

.card-icon {
  position: relative;
  width: 54px;
  height: 54px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex: 0 0 auto;
  border: 1px solid rgba(14, 90, 167, 0.22);
  border-radius: 15px;
  color: #ffffff;
  background:
    linear-gradient(135deg, rgba(18, 54, 90, 0.98) 0%, rgba(14, 90, 167, 0.95) 100%);
  box-shadow:
    0 14px 26px rgba(18, 54, 90, 0.16),
    inset 0 1px 0 rgba(255, 255, 255, 0.22);
}

.card-icon svg {
  width: 29px;
  height: 29px;
  stroke-width: 2.15;
}

.card-icon svg[data-icon="tools"],
.card-icon svg[data-icon="lowerPayment"] {
  width: 33px;
  height: 33px;
}

.card-icon img.reference-icon {
  display: block;
  width: 43px;
  height: 43px;
  object-fit: contain;
}

.trust-item img.reference-icon {
  display: block;
  width: 26px;
  height: 26px;
  object-fit: contain;
  flex: 0 0 auto;
}

.intent-card-action {
  position: relative;
  z-index: 1;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  align-self: end;
  color: #0e5aa7;
  font-size: 14px;
  font-weight: 900;
}

.intent-card-action svg {
  width: 19px;
  height: 19px;
  transition: transform 160ms ease;
}

.intent-card:hover .intent-card-action svg,
.intent-card:focus-visible .intent-card-action svg {
  transform: translateX(3px);
}

.benefit-grid,
.process-grid,
.guide-card-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.key-fact,
.process-step {
  min-height: 220px;
  padding: 26px;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  background: #fff;
}

.key-fact-mark {
  width: 46px;
  height: 46px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  border: 1px solid #cfe7e0;
  border-radius: var(--radius-sm);
  color: var(--color-success);
  background: #f1fbf8;
}

.process-step {
  position: relative;
  overflow: hidden;
  background: #fff;
}

.process-step > span {
  display: inline-flex;
  width: 42px;
  height: 42px;
  align-items: center;
  justify-content: center;
  margin-bottom: 22px;
  border: 1px solid var(--color-border);
  border-radius: 50%;
  color: var(--color-red);
  background: #fff;
  font-weight: 950;
}

.process-step::after {
  content: none;
}

.related-guide-card {
  min-height: 174px;
}

.expert-card {
  display: grid;
  grid-template-columns: 210px minmax(0, 1fr);
  gap: 28px;
  align-items: center;
  padding: 28px;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  background: #fff;
  box-shadow: 0 14px 34px rgba(18, 54, 90, 0.075);
}

.expert-card-full {
  grid-template-columns: 300px minmax(0, 1fr);
  gap: 42px;
  padding: 34px;
}

.expert-photo-wrap {
  overflow: hidden;
  aspect-ratio: 4 / 5;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  background: var(--color-soft-blue);
}

.expert-photo-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.expert-copy p {
  max-width: 660px;
}

.clean-list {
  display: grid;
  gap: 12px;
  margin: 0 0 22px;
  padding: 0;
  list-style: none;
}

.clean-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  color: #35475c;
  font-weight: 750;
}

.clean-list svg {
  margin-top: 2px;
  color: var(--color-blue);
}

.faq-list {
  display: grid;
  gap: 11px;
}

.faq-item {
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  background: #fff;
  overflow: hidden;
}

.faq-item summary {
  min-height: 60px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 18px 20px;
  color: var(--color-ink);
  font-weight: 850;
  line-height: 1.35;
  cursor: pointer;
}

.faq-item summary::after {
  content: "+";
  color: var(--color-red);
  font-size: 22px;
  font-weight: 800;
}

.faq-item[open] summary::after {
  content: "-";
}

.faq-item p {
  max-width: 780px;
  margin: -2px 20px 20px;
  font-size: 16px;
  line-height: 1.62;
}

.final-cta {
  padding: 68px 0;
  color: #fff;
  background: var(--color-navy);
}

.final-cta-inner {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  align-items: center;
  gap: 32px;
}

.final-cta .eyebrow,
.final-cta h2,
.final-cta p {
  color: #fff;
}

.final-cta p {
  max-width: 640px;
  margin-bottom: 0;
  color: rgba(255, 255, 255, 0.84);
}

.final-cta .button-secondary {
  color: #fff;
  background: rgba(255, 255, 255, 0.08);
  border-color: rgba(255, 255, 255, 0.32);
}

.article-header {
  padding: 62px 0 54px;
  border-bottom: 1px solid var(--color-border);
  background:
    linear-gradient(112deg, rgba(251, 250, 247, 0.98) 0%, rgba(247, 246, 242, 0.97) 58%, rgba(237, 244, 250, 0.72) 100%);
}

.article-header-grid {
  display: grid;
  grid-template-columns: minmax(0, 0.62fr) minmax(320px, 0.38fr);
  align-items: center;
  gap: 46px;
}

.article-header-inner {
  max-width: 920px;
}

.article-header-media {
  position: relative;
  overflow: hidden;
  min-height: 360px;
  border: 1px solid rgba(216, 224, 232, 0.95);
  border-radius: var(--radius-md);
  background: var(--color-soft-blue);
  box-shadow: 0 18px 42px rgba(18, 54, 90, 0.12);
}

.article-header-media img {
  width: 100%;
  height: 100%;
  position: absolute;
  inset: 0;
  object-fit: cover;
}

.article-header-media::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(18, 54, 90, 0.02), rgba(18, 54, 90, 0.42));
}

.article-media-note {
  position: absolute;
  right: 18px;
  bottom: 18px;
  left: 18px;
  z-index: 1;
  padding: 16px 17px;
  border: 1px solid rgba(255, 255, 255, 0.34);
  border-radius: var(--radius-sm);
  color: #fff;
  background: rgba(18, 54, 90, 0.72);
  backdrop-filter: blur(10px);
}

.article-media-note span,
.article-media-note strong {
  display: block;
}

.article-media-note span {
  margin-bottom: 4px;
  font-size: 12px;
  font-weight: 900;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.article-media-note strong {
  font-size: 18px;
  line-height: 1.25;
}

.breadcrumb {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 9px;
  margin-bottom: 22px;
  color: #607086;
  font-size: 14px;
  font-weight: 780;
}

.breadcrumb a {
  min-height: 44px;
  min-width: 44px;
  display: inline-flex;
  align-items: center;
  border-radius: 8px;
  color: #0b6f7d;
}

.article-intro {
  max-width: 720px;
  margin-bottom: 20px;
}

.meta-row {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin: 0 0 24px;
}

.meta-row span {
  min-height: 38px;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 8px 12px;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  color: #3f5369;
  background: rgba(255, 255, 255, 0.78);
  font-size: 14px;
  font-weight: 820;
}

.article-actions {
  margin-top: 2px;
}

.takeaway-panel {
  max-width: 840px;
  padding: 26px 28px;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  background: linear-gradient(180deg, #fff, #fbfcfd);
  box-shadow: 0 12px 28px rgba(18, 54, 90, 0.055);
}

.takeaway-panel h2 {
  margin-bottom: 17px;
  font-size: clamp(23px, 2.6vw, 30px);
  line-height: 1.18;
}

.takeaway-panel ul {
  display: grid;
  gap: 12px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.takeaway-panel li {
  display: grid;
  grid-template-columns: 28px minmax(0, 1fr);
  gap: 12px;
  align-items: flex-start;
}

.takeaway-panel svg {
  width: 20px;
  height: 20px;
  margin-top: 3px;
  color: var(--color-success);
}

.article-shell-section {
  padding-top: 58px;
}

.article-shell {
  display: grid;
  grid-template-columns: minmax(0, 730px) minmax(250px, 292px);
  gap: 56px;
  align-items: start;
}

.article-body {
  min-width: 0;
  max-width: 730px;
}

.article-body p,
.article-body li {
  color: #374c63;
  font-size: 18px;
  line-height: 1.65;
}

.article-section {
  scroll-margin-top: 150px;
  padding: 36px 0;
  border-top: 1px solid var(--color-border);
}

.article-section:first-child {
  border-top: 0;
  padding-top: 0;
}

.article-section h2 {
  max-width: 700px;
  margin-bottom: 14px;
  font-size: clamp(27px, 3.2vw, 37px);
  letter-spacing: 0;
}

.article-sidebar {
  position: sticky;
  top: 124px;
  display: grid;
  gap: 14px;
}

.sidebar-card,
.context-callout {
  padding: 18px;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  background: #fff;
}

.sidebar-card strong,
.context-callout strong {
  display: block;
  margin-bottom: 10px;
  color: var(--color-ink);
  font-size: 16px;
}

.sidebar-card nav {
  display: grid;
  gap: 2px;
}

.sidebar-card a {
  min-height: 44px;
  display: flex;
  align-items: center;
  padding: 8px 0;
  border-radius: 8px;
  color: #41566d;
  font-size: 15px;
  font-weight: 740;
  line-height: 1.3;
}

.sidebar-card a:hover,
.sidebar-card a:focus-visible {
  color: var(--color-blue);
}

.context-callout {
  margin-bottom: 34px;
  padding: 22px 24px;
  border-color: #ead8a2;
  border-left: 5px solid var(--color-gold);
  background: linear-gradient(180deg, #fffaf0, #fffdf7);
}

.context-callout p {
  margin: 0;
  color: #5a421d;
  font-size: 17px;
  line-height: 1.62;
}

.answer-callout strong {
  color: #7b4f00;
  font-size: 15px;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.faq-group-layout {
  display: grid;
  gap: 42px;
  max-width: 860px;
}

.faq-group h2 {
  margin-bottom: 18px;
  font-size: clamp(27px, 4vw, 38px);
}

.about-layout {
  display: grid;
  gap: 50px;
}

.about-layout .expert-card {
  max-width: 980px;
}

.about-layout .article-body {
  max-width: 760px;
}

.contact-layout {
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(260px, 0.95fr);
  gap: 20px;
  align-items: stretch;
}

.contact-primary,
.checklist-card,
.privacy-card {
  padding: 28px;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  background: #fff;
}

.contact-primary {
  grid-row: span 2;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  justify-content: center;
  min-height: 330px;
  background:
    linear-gradient(135deg, #fff, #f2f8fc);
  box-shadow: 0 12px 30px rgba(18, 54, 90, 0.06);
}

.contact-primary p {
  max-width: 560px;
}

.calculator-choice-section {
  padding-bottom: 34px;
  background: linear-gradient(180deg, var(--color-background), #edf2f6);
}

.calculator-choice-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.calculator-choice-card {
  position: relative;
  min-height: 218px;
  display: grid;
  align-content: start;
  gap: 13px;
  overflow: hidden;
  border: 1px solid rgba(216, 224, 232, 0.96);
  border-radius: var(--radius-lg);
  padding: 26px;
  background: #fff;
  box-shadow: 0 18px 38px rgba(18, 54, 90, 0.075);
  transition: transform 170ms ease, box-shadow 170ms ease, border-color 170ms ease;
}

.calculator-choice-card::before {
  content: "";
  position: absolute;
  inset: 0 0 auto 0;
  height: 4px;
  background: linear-gradient(90deg, var(--color-red), var(--color-blue));
  opacity: 0;
  transition: opacity 170ms ease;
}

.calculator-choice-card:hover,
.calculator-choice-card:focus-visible,
.calculator-choice-card.is-active {
  border-color: rgba(14, 90, 167, 0.45);
  box-shadow: var(--shadow-lift);
  transform: translateY(-2px);
}

.calculator-choice-card:hover::before,
.calculator-choice-card:focus-visible::before,
.calculator-choice-card.is-active::before {
  opacity: 1;
}

.calculator-choice-card span {
  width: max-content;
  max-width: 100%;
  border-radius: 999px;
  padding: 7px 12px;
  color: var(--color-ink);
  background: #ffdc2e;
  font-size: 13px;
  font-weight: 900;
}

.calculator-choice-card strong {
  color: var(--color-ink);
  font-size: 22px;
  line-height: 1.16;
}

.calculator-choice-card em {
  color: var(--color-muted);
  font-style: normal;
  line-height: 1.6;
}

.calculator-choice-card > svg {
  position: absolute;
  right: 24px;
  bottom: 24px;
  width: 23px;
  height: 23px;
  color: var(--color-red);
}

.calculator-section {
  padding-top: 34px;
}

.calculator-shell {
  overflow: hidden;
  border: 1px solid rgba(216, 224, 232, 0.95);
  border-radius: var(--radius-lg);
  background:
    linear-gradient(135deg, rgba(18, 54, 90, 0.06), rgba(213, 35, 47, 0.035)),
    var(--color-surface);
  box-shadow: var(--shadow-lift);
}

.calculator-head {
  max-width: 800px;
  padding: 34px 34px 24px;
}

.calculator-head h2 {
  margin-bottom: 10px;
}

.calculator-head p:last-child {
  margin-bottom: 0;
}

.calculator-tabs {
  display: flex;
  gap: 8px;
  padding: 0 34px 26px;
  overflow-x: auto;
  scrollbar-width: none;
}

.calculator-tabs::-webkit-scrollbar {
  display: none;
}

.calc-tab {
  min-height: 46px;
  flex: 0 0 auto;
  border: 1px solid rgba(216, 224, 232, 0.98);
  border-radius: 999px;
  padding: 0 17px;
  color: #28415f;
  background: rgba(255, 255, 255, 0.82);
  font-size: 14px;
  font-weight: 850;
  cursor: pointer;
}

.calc-tab.is-active,
.calc-tab[aria-selected="true"] {
  border-color: var(--color-navy);
  color: #fff;
  background: var(--color-navy);
}

.calculator-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.25fr) minmax(320px, 0.75fr);
  gap: 0;
  border-top: 1px solid rgba(216, 224, 232, 0.9);
  background: rgba(255, 255, 255, 0.64);
}

.calculator-controls {
  min-width: 0;
  padding: 34px;
}

.calc-panel-intro {
  max-width: 680px;
  margin-bottom: 24px;
}

.calc-panel-intro h2 {
  margin-bottom: 8px;
  font-size: clamp(26px, 3vw, 36px);
}

.calc-panel-intro p {
  margin-bottom: 0;
}

.calc-field-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
}

.calc-field {
  display: grid;
  gap: 8px;
  min-width: 0;
  color: #2b3d54;
  font-size: 14px;
  font-weight: 850;
}

.calc-input-wrap {
  min-height: 52px;
  display: grid;
  grid-template-columns: auto minmax(0, 1fr) auto;
  align-items: center;
  gap: 8px;
  border: 1px solid rgba(216, 224, 232, 0.98);
  border-radius: var(--radius-sm);
  padding: 0 13px;
  background: #fff;
  box-shadow: 0 8px 20px rgba(18, 54, 90, 0.045);
}

.calc-input-wrap em {
  color: #62748c;
  font-style: normal;
  font-weight: 850;
}

.calc-field input {
  width: 100%;
  min-width: 0;
  border: 0;
  outline: 0;
  color: var(--color-ink);
  background: transparent;
  font-size: 17px;
  font-weight: 850;
}

.calculator-results {
  min-width: 0;
  display: grid;
  gap: 18px;
  align-content: start;
  border-left: 1px solid rgba(216, 224, 232, 0.9);
  padding: 34px;
  background:
    radial-gradient(circle at top right, rgba(14, 90, 167, 0.12), transparent 42%),
    #fbfcfd;
}

.result-card {
  border-radius: var(--radius-md);
  padding: 24px;
  color: #fff;
  background: var(--color-navy);
  box-shadow: 0 18px 34px rgba(18, 54, 90, 0.16);
}

.result-card span {
  display: block;
  margin-bottom: 8px;
  color: rgba(255, 255, 255, 0.74);
  font-size: 13px;
  font-weight: 850;
  text-transform: uppercase;
}

.result-card strong {
  display: block;
  margin-bottom: 8px;
  color: #fff;
  font-size: clamp(36px, 5vw, 48px);
  line-height: 1;
}

.result-card p {
  margin-bottom: 0;
  color: rgba(255, 255, 255, 0.82);
  font-size: 14px;
  line-height: 1.5;
}

.result-breakdown {
  display: grid;
  gap: 10px;
}

.result-breakdown div {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  border: 1px solid rgba(216, 224, 232, 0.9);
  border-radius: var(--radius-sm);
  padding: 13px 14px;
  background: #fff;
}

.result-breakdown span {
  color: #53677f;
  font-size: 13px;
  font-weight: 750;
}

.result-breakdown strong {
  color: var(--color-ink);
  font-size: 15px;
  text-align: right;
  white-space: nowrap;
}

.calculator-fine-print {
  margin: 0;
  color: #60738a;
  font-size: 13px;
  line-height: 1.55;
}

.site-footer {
  padding: 58px 0 42px;
  color: #dbe7f2;
  background: #102b43;
}

.footer-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.2fr) minmax(170px, 0.55fr) minmax(250px, 0.75fr);
  gap: 48px;
  align-items: start;
}

.footer-brand img {
  width: 268px;
  height: auto;
  padding: 12px;
  border-radius: var(--radius-sm);
  background: #fff;
}

.footer-brand p,
.footer-disclosures p {
  color: rgba(255, 255, 255, 0.78);
}

.footer-nav,
.footer-contact {
  display: grid;
  gap: 11px;
}

.footer-nav strong,
.footer-contact strong,
.footer-disclosures h2 {
  color: #fff;
}

.footer-nav a,
.footer-contact a,
.footer-contact span {
  min-height: 44px;
  display: inline-flex;
  align-items: center;
  color: rgba(255, 255, 255, 0.78);
  line-height: 1.45;
}

.footer-contact a {
  min-height: 44px;
  display: inline-flex;
  align-items: center;
  gap: 8px;
}

.footer-contact svg {
  width: 18px;
  height: 18px;
  color: #ffd680;
}

.footer-disclosures {
  margin-top: 38px;
  padding: 26px 0 0;
  border-top: 1px solid rgba(255, 255, 255, 0.16);
}

.footer-disclosures h2 {
  margin-bottom: 12px;
  font-size: 22px;
}

.footer-disclosures p {
  max-width: 980px;
  margin-bottom: 10px;
  font-size: 14px;
  line-height: 1.6;
}

@media (max-width: 1120px) {
  .header-inner {
    grid-template-columns: auto minmax(0, 1fr) auto;
  }

  .desktop-nav,
  .header-actions {
    display: none;
  }

  .menu-button {
    display: inline-flex;
    justify-self: end;
  }

  .brand {
    width: 240px;
  }

  .brand img {
    width: 240px;
  }

  .home-hero-grid,
  .article-header-grid,
  .article-shell,
  .contact-layout {
    grid-template-columns: 1fr;
  }

  .calculator-grid {
    grid-template-columns: 1fr;
  }

  .calculator-results {
    border-top: 1px solid rgba(216, 224, 232, 0.9);
    border-left: 0;
  }

  .article-header-grid {
    gap: 28px;
  }

  .article-header-media {
    min-height: 280px;
  }

  .article-sidebar {
    position: static;
    grid-row: 1;
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .article-shell .article-body {
    grid-row: 2;
  }

  .trust-strip,
  .intent-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .benefit-grid,
  .process-grid,
  .guide-card-grid,
  .calculator-choice-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 760px) {
  html {
    scroll-padding-top: 116px;
  }

  .container {
    width: calc(100% - 28px);
    max-width: var(--site-width);
  }

  .disclosure-inner {
    display: block;
    min-height: 0;
    padding: 7px 0;
  }

  .disclosure-inner p {
    margin-bottom: 2px;
    font-size: 11px;
    line-height: 1.28;
  }

  .disclosure-inner a {
    min-height: 32px;
    font-size: 11px;
  }

  .header-inner {
    min-height: 68px;
    gap: 12px;
  }

  .brand,
  .brand img {
    width: 190px;
  }

  .home-hero-grid {
    gap: 28px;
    padding: 58px 0 56px;
  }

  .hero-lead,
  .article-intro,
  .section-heading p {
    font-size: 18px;
  }

  .hero-actions,
  .compact-actions,
  .final-cta-actions {
    display: grid;
    width: 100%;
  }

  .hero-actions .button,
  .compact-actions .button,
  .final-cta-actions .button {
    width: 100%;
  }

  .trust-strip,
  .intent-grid,
  .benefit-grid,
  .process-grid,
  .guide-card-grid,
  .calculator-choice-grid,
  .footer-grid {
    grid-template-columns: 1fr;
  }

  .section {
    padding: 62px 0;
  }

  .section-tight {
    padding-top: 24px;
  }

  .intent-card,
  .related-guide-card,
  .calculator-choice-card {
    min-height: 0;
  }

  .expert-card,
  .expert-card-full {
    grid-template-columns: 1fr;
    gap: 22px;
    padding: 22px;
  }

  .expert-photo-wrap {
    max-width: 280px;
  }

  .final-cta-inner {
    grid-template-columns: 1fr;
  }

  .article-header {
    padding: 44px 0 40px;
  }

  .article-header-media {
    min-height: 220px;
    border-radius: var(--radius-sm);
  }

  .article-media-note {
    right: 12px;
    bottom: 12px;
    left: 12px;
    padding: 13px 14px;
  }

  .article-media-note strong {
    font-size: 16px;
  }

  .article-body p,
  .article-body li {
    font-size: 17px;
  }

  .article-shell {
    gap: 34px;
  }

  .article-sidebar {
    grid-template-columns: 1fr;
    gap: 12px;
  }

  .takeaway-panel,
  .context-callout {
    padding: 22px;
  }

  .calculator-head,
  .calculator-controls,
  .calculator-results {
    padding: 24px;
  }

  .calculator-tabs {
    padding: 0 24px 22px;
  }

  .calc-field-grid {
    grid-template-columns: 1fr;
  }

  .article-section {
    scroll-margin-top: 126px;
    padding: 32px 0;
  }

  .article-section h2 {
    margin-bottom: 12px;
  }

  .faq-group-layout {
    gap: 34px;
  }

  .footer-brand img {
    width: 238px;
  }
}

@media (max-width: 460px) {
  .container {
    width: calc(100% - 24px);
    max-width: var(--site-width);
  }

  h1 {
    max-width: 100%;
    font-size: clamp(32px, 9vw, 38px);
    line-height: 1.06;
  }

  .brand,
  .brand img {
    width: 174px;
  }

  .header-inner {
    grid-template-columns: minmax(0, 1fr) auto;
  }

  .menu-button {
    width: 48px;
    min-width: 48px;
    padding: 0;
  }

  .menu-button-text {
    display: none;
  }

  .hero-lead,
  .article-intro,
  .section-heading p {
    font-size: 17px;
  }

  .mobile-menu {
    width: 100vw;
  }

  .topic-panel-list a {
    grid-template-columns: 34px minmax(0, 1fr) 22px;
    gap: 12px;
    padding: 16px;
  }

  .key-fact,
  .process-step,
  .takeaway-panel,
  .contact-primary,
  .checklist-card,
  .privacy-card {
    padding: 22px;
  }

  .meta-row {
    display: grid;
  }

  .meta-row span {
    width: 100%;
  }

  .calculator-shell {
    border-radius: var(--radius-md);
  }

  .calculator-head,
  .calculator-controls,
  .calculator-results {
    padding: 20px;
  }

  .calculator-tabs {
    padding: 0 20px 18px;
  }

  .calc-tab {
    min-height: 44px;
    padding: 0 14px;
    font-size: 13px;
  }

  .result-breakdown div {
    display: grid;
    gap: 4px;
  }

  .result-breakdown strong {
    text-align: left;
  }
}

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