:root{
  --navy:#071b33;
  --navy-2:#0b2a4a;
  --navy-3:#12395f;
  --orange:#ff5a0a;
  --orange-2:#ff7a22;
  --ink:#0b1d35;
  --text:#33455d;
  --muted:#6f7f92;
  --line:#e3e9f0;
  --soft:#f4f7fb;
  --soft-2:#eef3f8;
  --white:#fff;
  --green:#2f8f49;
  --shadow:0 18px 50px rgba(8,27,51,.10);
  --shadow-soft:0 8px 30px rgba(8,27,51,.08);
  --radius:22px;
  --radius-sm:14px;
  --max:1440px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--text);background:var(--white);font-size:16px;line-height:1.58;-webkit-font-smoothing:antialiased}
img{display:block;max-width:100%}
a{color:inherit;text-decoration:none}
button,input,select,textarea{font:inherit}
button{cursor:pointer}
h1,h2,h3,h4,p{margin-top:0}
h1,h2,h3,h4{color:var(--ink);line-height:1.08;letter-spacing:-.028em}
h1{font-size:clamp(44px,5.2vw,78px);font-weight:850}
h2{font-size:clamp(31px,3.1vw,48px);font-weight:820}
h3{font-size:22px;font-weight:800}
p{margin-bottom:1.2em}.icon{width:1.1em;height:1.1em;flex:0 0 auto}
.container{width:min(calc(100% - 64px),var(--max));margin-inline:auto}.narrow{max-width:920px}.section{padding:82px 0}.alt-section,.home-dashboard{background:var(--soft)}.white-section{background:#fff}
.eyebrow,.hero-kicker,.mini-label{display:inline-block;font-size:12px;font-weight:850;letter-spacing:.14em;text-transform:uppercase}.eyebrow{color:#d6e4f5}.eyebrow.dark,.mini-label{color:var(--orange)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;border:0;border-radius:12px;background:linear-gradient(135deg,var(--orange),var(--orange-2));color:#fff;font-weight:820;padding:14px 22px;box-shadow:0 10px 24px rgba(255,90,10,.22);transition:transform .18s ease,box-shadow .18s ease,filter .18s ease}.btn:hover{transform:translateY(-1px);box-shadow:0 13px 28px rgba(255,90,10,.28);filter:saturate(1.04)}.btn .icon{width:18px;height:18px}.btn-small{padding:10px 16px;border-radius:10px;font-size:14px}.btn-large{padding:16px 24px}.btn-wide{width:100%}.btn.dark{background:var(--navy);box-shadow:none}.btn-light{background:#fff;color:var(--navy);box-shadow:0 10px 26px rgba(0,0,0,.12)}.btn.ghost{background:#fff;color:var(--navy);border:1px solid var(--line);box-shadow:none}
.text-link{font-weight:800}.light-link{color:#fff}.text-link:hover{text-decoration:underline}

/* Header */
.site-header{position:relative;z-index:50;background:#fff}.utility-bar{background:linear-gradient(90deg,#06192f,#08233e);color:#fff;font-size:12px}.utility-inner{min-height:38px;display:flex;align-items:center;justify-content:space-between;gap:24px}.utility-inner span{display:inline-flex;align-items:center;gap:8px;white-space:nowrap}.utility-inner .icon{color:#d8e7f7}
.nav-shell{background:rgba(255,255,255,.98);border-bottom:1px solid rgba(8,27,51,.09);box-shadow:0 4px 18px rgba(8,27,51,.025)}.nav-row{height:88px;display:flex;align-items:center;gap:24px}.brand{display:block;flex:0 0 auto}.brand img{width:315px;height:auto}.primary-nav{margin-left:auto;display:flex;align-items:center;gap:29px}.primary-nav a{font-size:14px;font-weight:730;color:#14263f;padding:32px 0;position:relative}.primary-nav a:after{content:"";position:absolute;left:0;right:100%;bottom:21px;height:2px;background:var(--orange);transition:right .18s ease}.primary-nav a:hover:after,.primary-nav a.active:after{right:0}.nav-search{width:44px;height:44px;border:1px solid var(--line);border-radius:50%;display:grid;place-items:center;color:var(--ink);background:#fff}.nav-search .icon{width:21px;height:21px}.nav-cta{white-space:nowrap}.nav-toggle{display:none;width:44px;height:44px;border:1px solid var(--line);border-radius:10px;background:#fff;color:var(--ink);place-items:center}.nav-toggle .icon{width:24px;height:24px}

/* Hero */
.home-hero{background:linear-gradient(90deg,#071b33 0%,#071b33 47%,#0b2947 100%);overflow:hidden}.hero-stage{min-height:535px;display:grid;grid-template-columns:48% 52%;position:relative}.hero-copy{position:relative;z-index:3;color:#fff;padding:55px 70px 50px 0;align-self:center}.hero-copy h1{color:#fff;font-size:clamp(58px,5.8vw,86px);margin:11px 0 12px;line-height:.91;letter-spacing:-.055em}.hero-copy h1 em{font-style:normal;color:var(--orange)}.hero-copy>p{font-size:18px;line-height:1.45;color:#e1e9f1;max-width:610px;margin-bottom:25px}.hero-kicker{color:#d8e4f0}.hero-search-card{position:relative;max-width:650px}.hero-search-card label{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0,0,0,0)}.search-row{display:flex;background:#fff;border-radius:12px;overflow:hidden;box-shadow:0 10px 30px rgba(0,0,0,.2)}.search-row input{flex:1;min-width:0;border:0;padding:17px 20px;color:var(--ink);outline:none;font-size:16px}.search-row input::placeholder{color:#7a899b}.search-button{width:60px;border:0;background:var(--orange);color:#fff;display:grid;place-items:center}.search-button .icon{width:25px;height:25px}.search-results{position:absolute;left:0;right:0;top:64px;background:#fff;border-radius:13px;box-shadow:var(--shadow);overflow:hidden;z-index:20;color:var(--ink)}.search-results a{display:flex;align-items:center;justify-content:space-between;gap:18px;padding:13px 16px;border-bottom:1px solid var(--line)}.search-results a:last-child{border-bottom:0}.search-results a:hover{background:var(--soft)}.search-results a span{font-size:12px;color:var(--muted)}.search-results a strong{font-size:14px}.no-result{padding:16px;color:var(--muted)}.popular-searches{margin-top:12px;display:flex;align-items:center;gap:8px 12px;flex-wrap:wrap;font-size:12px;color:#dbe6f0}.popular-searches strong{color:#fff}.popular-searches a{text-decoration:underline;text-underline-offset:3px}.popular-searches a:hover{color:#fff}
.hero-visual{position:absolute;inset:0 0 0 46%;z-index:1;overflow:hidden}.hero-visual img{width:100%;height:100%;object-fit:cover;object-position:center}.hero-image-shade{position:absolute;inset:0;background:linear-gradient(90deg,#071b33 0%,rgba(7,27,51,.66) 13%,rgba(7,27,51,.08) 44%,rgba(7,27,51,.04) 100%)}
.hero-help-card{position:absolute;z-index:5;right:24px;top:44px;width:325px;background:#fff;border-radius:18px;padding:26px;box-shadow:0 20px 55px rgba(2,14,28,.24);border:1px solid rgba(255,255,255,.5)}.hero-help-card h2{font-size:26px;margin:8px 0 9px}.hero-help-card>p{font-size:14px;color:#536479;margin-bottom:16px}.hero-help-card ul{list-style:none;padding:0;margin:0 0 18px;display:grid;gap:9px}.hero-help-card li{display:flex;align-items:center;gap:9px;color:#253953;font-size:14px;font-weight:650}.hero-help-card li .icon{color:#37a451;stroke-width:2.7}.hero-help-card small{display:flex;align-items:center;justify-content:center;gap:7px;margin-top:13px;color:#697b91;font-size:11px}.hero-help-card small .icon{color:#53708f}

/* Category ribbon */
.category-ribbon{background:#fff;padding:16px 0 22px;position:relative;z-index:6;border-bottom:1px solid var(--line)}.category-scroll{display:grid;grid-template-columns:repeat(8,1fr);gap:12px}.category-tile{min-width:0;border-radius:14px;overflow:hidden;background:#fff;border:1px solid var(--line);box-shadow:0 6px 22px rgba(8,27,51,.055);transition:transform .18s ease,box-shadow .18s ease}.category-tile:hover{transform:translateY(-3px);box-shadow:var(--shadow-soft)}.category-tile img{width:100%;height:92px;object-fit:cover}.category-tile span{min-height:52px;display:flex;align-items:center;justify-content:center;text-align:center;padding:9px 8px;font-size:13px;font-weight:800;color:var(--ink)}

/* Dashboard */
.home-dashboard{padding-top:34px;padding-bottom:42px}.dashboard-grid{display:grid;grid-template-columns:1.15fr 1.05fr .7fr;gap:18px}.panel{background:#fff;border:1px solid var(--line);border-radius:18px;padding:20px;box-shadow:0 6px 25px rgba(8,27,51,.045)}.panel-head{display:flex;align-items:flex-start;justify-content:space-between;gap:18px;margin-bottom:17px}.panel-head h2{font-size:24px;margin:4px 0 0}.panel-head>a{display:inline-flex;align-items:center;gap:6px;font-size:12px;color:#0759c7;font-weight:800;white-space:nowrap}.panel-head>a .icon{width:14px}.mini-tool-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:8px}.mini-tool{border:1px solid var(--line);border-radius:14px;padding:15px 11px;display:flex;flex-direction:column;align-items:center;text-align:center;min-height:205px;transition:transform .18s ease,border-color .18s ease,box-shadow .18s ease}.mini-tool:hover{transform:translateY(-2px);border-color:#cbd7e4;box-shadow:0 8px 25px rgba(8,27,51,.06)}.round-icon{width:46px;height:46px;border-radius:50%;background:#edf4ff;color:#0d3763;display:grid;place-items:center;flex:0 0 auto}.round-icon .icon{width:23px;height:23px}.mini-tool strong{font-size:13px;line-height:1.18;color:var(--ink);margin:10px 0 7px}.mini-tool small{font-size:11px;line-height:1.35;color:var(--muted);display:block}.mini-tool b{margin-top:auto;display:flex;align-items:center;gap:4px;color:#0759c7;font-size:11px}.mini-tool b .icon{width:12px}
.feature-guide-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:9px}.feature-guide{height:138px;border-radius:13px;overflow:hidden;position:relative;background:#132942}.feature-guide img{width:100%;height:100%;object-fit:cover;transition:transform .35s ease}.feature-guide:hover img{transform:scale(1.035)}.image-overlay{position:absolute;inset:0;background:linear-gradient(0deg,rgba(4,15,29,.82),rgba(4,15,29,0) 66%)}.feature-guide>div{position:absolute;left:13px;right:13px;bottom:11px;color:#fff}.feature-guide small{display:block;color:#dbe7f2;font-size:10px;text-transform:uppercase;letter-spacing:.08em}.feature-guide strong{display:block;font-size:14px;line-height:1.15;margin-top:2px}
.why-panel .eyebrow{display:block;margin-bottom:5px}.why-panel h2{font-size:24px;margin-bottom:18px}.why-list{display:grid;gap:16px}.why-list>div{display:grid;grid-template-columns:32px 1fr;gap:10px}.why-list>div>.icon{width:25px;height:25px;color:#0a3764}.why-list span{display:grid;gap:1px}.why-list strong{font-size:13px;color:var(--ink)}.why-list small{font-size:11px;line-height:1.35;color:var(--muted)}

/* General sections */
.section-heading{display:flex;align-items:flex-end;justify-content:space-between;gap:30px;margin-bottom:30px}.section-heading h2{margin:5px 0 8px}.section-heading p{max-width:690px;color:var(--muted);margin:0}.section-heading>a{display:inline-flex;align-items:center;gap:7px;color:#0759c7;font-weight:800;white-space:nowrap}.section-heading>a .icon{width:16px}
.category-card-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:19px}.category-card-photo{border:1px solid var(--line);border-radius:18px;overflow:hidden;background:#fff;box-shadow:0 7px 26px rgba(8,27,51,.055);transition:transform .2s ease,box-shadow .2s ease}.category-card-photo:hover{transform:translateY(-4px);box-shadow:var(--shadow)}.category-card-photo>img{width:100%;height:176px;object-fit:cover}.category-card-content{padding:20px}.category-card-content>span{font-size:11px;text-transform:uppercase;letter-spacing:.09em;font-weight:800;color:var(--orange)}.category-card-content h2,.category-card-content h3{font-size:23px;margin:5px 0 8px}.category-card-content p{font-size:14px;color:var(--muted);line-height:1.5;margin-bottom:14px}.category-card-content b{display:flex;align-items:center;gap:7px;color:#0759c7;font-size:13px}.category-card-content b .icon{width:14px}.category-index .category-card-photo>img{height:220px}.category-index .category-card-content{padding:24px}.category-index .category-card-content h2{font-size:28px}

.advice-showcase{background:linear-gradient(135deg,#071b33 0%,#0a2d50 100%);color:#d6e3f0}.advice-layout{display:grid;grid-template-columns:.85fr 1.35fr;gap:70px;align-items:center}.advice-intro h2{color:#fff;margin:8px 0 14px}.advice-intro p{color:#c0d0df;max-width:590px}.advice-intro .btn{margin-top:8px}.advice-cards{display:grid;gap:10px}.advice-cards>a{display:grid;grid-template-columns:42px 1fr 28px;gap:14px;align-items:center;padding:17px 20px;border:1px solid rgba(255,255,255,.13);border-radius:14px;background:rgba(255,255,255,.055);transition:background .18s ease,border-color .18s ease}.advice-cards>a:hover{background:rgba(255,255,255,.09);border-color:rgba(255,255,255,.22)}.advice-cards>a>span{font-size:12px;font-weight:850;color:var(--orange)}.advice-cards strong{display:block;color:#fff;font-size:15px;margin-bottom:2px}.advice-cards small{display:block;color:#b9cadb;font-size:12px;line-height:1.4}.advice-cards>a>.icon{color:#fff}
.how-panel{background:#f8fafc;border:1px solid var(--line);border-radius:24px;padding:42px}.how-head{text-align:center;max-width:780px;margin:0 auto 34px}.how-head h2{margin:5px 0 0}.how-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.how-steps>div{background:#fff;border:1px solid var(--line);border-radius:17px;padding:25px;position:relative}.how-steps>div>b{position:absolute;right:18px;top:15px;font-size:42px;color:#eef2f6}.how-steps>div>span{width:48px;height:48px;border-radius:13px;background:#eef5ff;color:#0b3764;display:grid;place-items:center}.how-steps>div>span .icon{width:24px;height:24px}.how-steps h3{margin:18px 0 7px}.how-steps p{font-size:14px;color:var(--muted);margin:0}

/* Breadcrumb / page heroes */
.breadcrumb-wrap{background:#fbfcfe;border-bottom:1px solid var(--line)}.breadcrumb{min-height:42px;display:flex;align-items:center;gap:9px;font-size:12px;color:#758499}.breadcrumb a:hover{color:#214a74}.page-hero{background:linear-gradient(135deg,#071b33,#0b3157);color:#dce7f3;padding:66px 0}.page-hero-inner{display:flex;align-items:flex-end;justify-content:space-between;gap:40px}.page-hero h1{color:#fff;margin:7px 0 10px}.page-hero p{font-size:18px;max-width:760px;color:#cad9e8;margin:0}.visual-hero,.guide-title-hero{position:relative;min-height:410px;display:flex;align-items:center;overflow:hidden;background:#071b33}.visual-hero-bg,.guide-title-photo{position:absolute;inset:0}.visual-hero-bg img,.guide-title-photo img{width:100%;height:100%;object-fit:cover}.visual-hero:after,.guide-title-shade{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(3,17,33,.94) 0%,rgba(4,25,46,.82) 38%,rgba(4,25,46,.22) 72%,rgba(4,25,46,.14) 100%)}.visual-hero-content,.guide-title-content{position:relative;z-index:2;color:#fff;max-width:800px;padding-top:58px;padding-bottom:58px}.visual-hero h1,.guide-title-content h1{color:#fff;margin:7px 0 12px}.visual-hero p,.guide-title-content p{color:#d9e4ef;font-size:18px;max-width:720px}.hero-actions{display:flex;align-items:center;gap:20px;flex-wrap:wrap;margin-top:24px}.guide-title-hero{min-height:430px}.guide-title-content{max-width:880px}

/* Guide cards */
.guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.guide-card{border:1px solid var(--line);border-radius:18px;overflow:hidden;background:#fff;box-shadow:0 7px 26px rgba(8,27,51,.055);transition:transform .2s ease,box-shadow .2s ease}.guide-card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}.guide-card>img{width:100%;height:190px;object-fit:cover}.guide-card>div{padding:21px}.guide-card span{font-size:11px;text-transform:uppercase;letter-spacing:.08em;font-weight:800;color:var(--orange)}.guide-card h3{margin:5px 0 9px}.guide-card p{font-size:14px;color:var(--muted);line-height:1.48}.guide-card strong{display:flex;align-items:center;gap:7px;color:#0759c7;font-size:13px}.guide-card strong .icon{width:14px}

/* Article */
.article-layout{width:min(calc(100% - 64px),1260px);margin:0 auto;padding:70px 0;display:grid;grid-template-columns:minmax(0,790px) 330px;gap:66px;align-items:start}.article{min-width:0}.article .lead{font-size:20px;line-height:1.58;color:#31465e}.article h2{font-size:34px;margin:42px 0 13px}.article h3{font-size:20px}.article p{color:#42546a}.article .btn{margin-top:5px}.at-a-glance{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin:28px 0 36px}.at-a-glance>div{display:flex;gap:11px;align-items:flex-start;border:1px solid var(--line);background:#f8fafc;border-radius:14px;padding:16px}.at-a-glance .icon{width:22px;height:22px;color:#0b4a83;margin-top:2px}.at-a-glance span{display:grid;gap:2px}.at-a-glance small{font-size:10px;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);font-weight:800}.at-a-glance strong{font-size:13px;color:var(--ink);line-height:1.35}.feature-list,.check-list{list-style:none;padding:0;margin:18px 0 26px;display:grid;grid-template-columns:repeat(2,1fr);gap:10px}.feature-list li,.check-list li{display:flex;align-items:flex-start;gap:9px;background:#f8fafc;border:1px solid var(--line);border-radius:12px;padding:13px 14px;font-size:14px;color:#2f4258}.feature-list li .icon,.check-list li .icon{color:#2d9b51;stroke-width:2.4;margin-top:2px}.number-cards{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin:18px 0 28px}.number-cards>div{border:1px solid var(--line);border-radius:14px;padding:16px;display:flex;align-items:center;gap:13px}.number-cards b{width:32px;height:32px;border-radius:50%;background:#edf4ff;color:#0a477f;display:grid;place-items:center;font-size:13px}.number-cards span{font-size:14px;color:#32475e}.pro-tip{display:flex;gap:15px;background:linear-gradient(135deg,#fff5ed,#fff9f5);border:1px solid #ffd7bf;border-left:4px solid var(--orange);border-radius:14px;padding:20px;margin:30px 0}.pro-tip>span{width:42px;height:42px;display:grid;place-items:center;background:#fff;border-radius:50%;color:var(--orange);box-shadow:0 4px 12px rgba(255,90,10,.12)}.pro-tip>span .icon{width:22px;height:22px}.pro-tip strong{color:var(--ink)}.pro-tip p{margin:3px 0 0;color:#5b4a41}.check-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin:18px 0 30px}.check-grid>div{border:1px solid var(--line);border-radius:14px;padding:18px}.check-grid>div>span{width:38px;height:38px;border-radius:10px;background:#edf4ff;color:#0b477d;display:grid;place-items:center}.check-grid h3{margin:12px 0 5px}.check-grid p{font-size:13px;margin:0;color:var(--muted)}.related-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}.related-card{display:grid;grid-template-columns:96px 1fr;border:1px solid var(--line);border-radius:14px;overflow:hidden;background:#fff}.related-card>img{width:96px;height:100%;min-height:112px;object-fit:cover}.related-card>div{padding:13px}.related-card span{font-size:10px;text-transform:uppercase;letter-spacing:.07em;color:var(--orange);font-weight:800}.related-card strong{display:block;color:var(--ink);line-height:1.25;margin:2px 0 8px}.related-card small{display:flex;align-items:center;gap:5px;color:#0759c7;font-weight:800}.related-card small .icon{width:12px}
.sidebar{display:grid;gap:17px}.quote-box,.side-box,.sponsor-card,.affiliate-card{border-radius:17px;padding:23px;background:#fff;border:1px solid var(--line);box-shadow:0 7px 24px rgba(8,27,51,.055)}.quote-box{position:sticky;top:22px;background:linear-gradient(145deg,#071b33,#0b335b);color:#d8e4ef;border:0}.quote-box>span,.quote-box>small{font-size:10px;letter-spacing:.1em;font-weight:850;color:#a9bdd1}.quote-box h3{font-size:25px;color:#fff;margin:6px 0 9px}.quote-box p{font-size:14px;color:#c5d5e3}.quote-box small{display:flex;align-items:center;justify-content:center;gap:7px;margin-top:12px}.quote-box ul{list-style:none;padding:0;display:grid;gap:10px}.quote-box li{display:flex;align-items:flex-start;gap:8px;font-size:13px}.quote-box li .icon{color:#42c461;margin-top:2px}.side-box .eyebrow{margin-bottom:11px}.side-box>a{display:flex;align-items:center;justify-content:space-between;gap:10px;padding:11px 0;border-bottom:1px solid var(--line);font-size:13px;font-weight:700;color:#23415f}.side-box>a:last-child{border-bottom:0}.side-box>a .icon{width:13px}.sponsor-card small,.affiliate-card small{text-transform:uppercase;letter-spacing:.08em;color:var(--muted);font-size:10px}.sponsor-card h3,.affiliate-card h3{margin:6px 0 7px}.sponsor-card p,.affiliate-card p{font-size:13px;color:var(--muted)}

/* Tools */
.tool-index-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.tool-index-card{display:grid;grid-template-columns:76px 1fr;gap:19px;border:1px solid var(--line);border-radius:18px;padding:24px;background:#fff;box-shadow:0 7px 26px rgba(8,27,51,.05);transition:transform .18s ease,box-shadow .18s ease}.tool-index-card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}.tool-icon-large{width:70px;height:70px;border-radius:18px;background:#edf4ff;color:#0b477d;display:grid;place-items:center}.tool-icon-large .icon{width:34px;height:34px}.tool-index-card>div>span{font-size:10px;text-transform:uppercase;letter-spacing:.09em;color:var(--orange);font-weight:800}.tool-index-card h2{font-size:26px;margin:4px 0 8px}.tool-index-card p{font-size:14px;color:var(--muted);margin-bottom:12px}.tool-index-card strong{display:flex;align-items:center;gap:7px;color:#0759c7;font-size:13px}.tool-index-card strong .icon{width:14px}.calculator-hero,.article-hero{background:linear-gradient(135deg,#eef4fb,#f8fafc);padding:62px 0;border-bottom:1px solid var(--line)}.calculator-hero h1,.article-hero h1{margin:6px 0 10px}.calculator-hero p,.article-hero p{font-size:18px;color:#52667c}.calculator-shell{display:grid;grid-template-columns:minmax(0,1.25fr) .75fr;gap:30px;align-items:start;max-width:1180px}.calculator-card,.calculator-info{background:#fff;border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow-soft)}.calculator-card{padding:28px}.calc-intro{display:flex;align-items:center;gap:13px;padding-bottom:21px;border-bottom:1px solid var(--line);margin-bottom:22px}.calc-intro strong{color:var(--ink)}.calc-intro p{font-size:13px;color:var(--muted);margin:2px 0 0}.calculator-info{padding:26px;position:sticky;top:20px}.calculator-info h2{font-size:28px;margin:7px 0 10px}.calculator-info p{color:var(--muted);font-size:14px}.calculator-info ul{list-style:none;padding:0;margin:18px 0;display:grid;gap:10px}.calculator-info li{display:flex;gap:8px;font-size:13px;color:#354b62}.calculator-info li .icon{color:#29924a;margin-top:2px}.calc-form label,.lead-form label,.admin-login-card label{display:grid;gap:7px;color:#253950;font-size:13px;font-weight:750}.calc-form input,.calc-form select,.lead-form input,.lead-form select,.lead-form textarea,.admin-login-card input{width:100%;border:1px solid #cfd9e4;border-radius:11px;padding:12px 13px;background:#fff;color:var(--ink);outline:none;transition:border-color .16s ease,box-shadow .16s ease}.calc-form input:focus,.calc-form select:focus,.lead-form input:focus,.lead-form select:focus,.lead-form textarea:focus,.admin-login-card input:focus{border-color:#6c9ac7;box-shadow:0 0 0 3px rgba(38,107,174,.11)}.form-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:15px}.calc-submit{margin-top:20px}.calc-result{margin-top:22px;background:linear-gradient(135deg,#edf8f1,#f8fcf9);border:1px solid #b9dec4;border-radius:15px;padding:20px}.calc-result>span{display:block;font-size:11px;text-transform:uppercase;letter-spacing:.08em;color:#39714b;font-weight:800}.big-result{font-size:42px;line-height:1.1;font-weight:850;color:#174d2a;margin:7px 0}.big-result.text{font-size:28px}.result-metrics{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin:12px 0}.result-metrics>div{background:#fff;border:1px solid #cfe5d5;border-radius:11px;padding:12px}.result-metrics b{display:block;font-size:20px;color:#174d2a}.result-metrics small{display:block;font-size:10px;color:#5f7c68}.calc-result p{font-size:12px;color:#557064;margin:8px 0 0}

/* Advice */
.article-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.article-grid.big{grid-template-columns:repeat(2,1fr)}.article-card{position:relative;border:1px solid var(--line);border-radius:18px;padding:27px;background:#fff;min-height:260px;box-shadow:0 7px 26px rgba(8,27,51,.05);transition:transform .18s ease,box-shadow .18s ease}.article-card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}.article-card>span:not(.article-no){font-size:10px;text-transform:uppercase;letter-spacing:.1em;color:var(--orange);font-weight:800}.article-card .article-no{position:absolute;right:24px;top:19px;color:#edf1f5;font-size:46px;font-weight:900}.article-card h2,.article-card h3{position:relative;font-size:27px;margin:7px 50px 11px 0}.article-card p{font-size:14px;color:var(--muted)}.article-card strong{display:flex;align-items:center;gap:7px;color:#0759c7;font-size:13px;margin-top:17px}.article-card strong .icon{width:14px}.article-hero{padding:64px 0}.article-hero h1{font-size:clamp(42px,4.3vw,62px)}

/* Forms / contact / about / legal */
.form-layout{display:grid;grid-template-columns:minmax(0,1.25fr) .75fr;gap:30px;max-width:1180px;align-items:start}.lead-form{background:#fff;border:1px solid var(--line);border-radius:20px;padding:30px;box-shadow:var(--shadow-soft);display:grid;gap:18px}.form-section{display:flex;align-items:flex-start;gap:13px;padding-bottom:4px}.form-section.second{padding-top:9px;border-top:1px solid var(--line);padding-top:24px}.form-step{width:34px;height:34px;border-radius:50%;background:#edf4ff;color:#0b477d;display:grid;place-items:center;font-size:13px;font-weight:900;flex:0 0 auto}.form-section h2{font-size:24px;margin:2px 0 4px}.form-section p{font-size:13px;color:var(--muted);margin:0}.lead-form textarea{resize:vertical}.consent{grid-template-columns:20px 1fr!important;align-items:flex-start!important;gap:10px!important;font-weight:500!important}.consent input{width:auto!important;margin-top:3px}.form-note{font-size:11px;color:var(--muted);margin:0}.hp{position:absolute!important;left:-9999px!important;width:1px!important;height:1px!important}.form-side{display:grid;gap:17px}.form-side .quote-box{position:sticky;top:20px}.success-mark{width:76px;height:76px;border-radius:50%;background:#e7f7ec;color:#259148;display:grid;place-items:center;margin:0 auto 18px}.success-mark .icon{width:35px;height:35px;stroke-width:2.5}.thankyou{text-align:center;padding:74px 0}.thankyou h1{font-size:48px;margin:8px 0 12px}.thankyou p{font-size:17px;color:var(--muted)}.thankyou-actions{display:flex;justify-content:center;gap:10px;margin-top:24px}.contact-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;max-width:1000px}.contact-card{border:1px solid var(--line);border-radius:20px;padding:30px;background:#fff;box-shadow:var(--shadow-soft)}.contact-card.featured{background:linear-gradient(145deg,#f7fbff,#fff)}.contact-card .round-icon{margin-bottom:18px}.contact-card h2{font-size:29px}.contact-card p{color:var(--muted)}.contact-email{font-weight:800;color:#0759c7;font-size:18px}.about-grid{display:grid;grid-template-columns:1fr .9fr;gap:64px;align-items:center}.about-copy h2{margin:7px 0 14px}.about-copy>p{font-size:17px;color:#52657a}.about-photo img{width:100%;aspect-ratio:1.28;object-fit:cover;border-radius:24px;box-shadow:var(--shadow)}.about-values{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin-top:28px}.about-values>div{display:grid;grid-template-columns:38px 1fr;gap:10px;border:1px solid var(--line);border-radius:14px;padding:15px}.about-values>div>.icon{width:26px;height:26px;color:#0b477d}.about-values span{display:grid}.about-values strong{color:var(--ink);font-size:13px}.about-values small{font-size:11px;color:var(--muted);line-height:1.4}.legal-hero{padding:62px 0;background:#f5f8fc;border-bottom:1px solid var(--line)}.legal-hero h1{font-size:52px;margin:7px 0 10px}.legal-hero p{font-size:17px;color:var(--muted)}.prose h2{font-size:30px;margin:36px 0 11px}.prose p{color:#45586e}.legal-prose{max-width:850px}

/* Ads */
.ad-wrap{margin:32px auto;border:1px dashed #cbd5e1;border-radius:14px;min-height:100px;padding:16px;text-align:center;background:#fafbfd;max-width:1200px}.ad-wrap>span{display:block;font-size:9px;text-transform:uppercase;letter-spacing:.08em;color:#8a98a8;margin-bottom:8px}

/* Footer */
.footer-cta{background:linear-gradient(135deg,var(--orange),#ff7c27);color:#fff}.footer-cta-inner{padding:52px 0;display:flex;align-items:center;justify-content:space-between;gap:45px}.footer-cta h2{color:#fff;font-size:36px;margin:6px 0 9px;max-width:850px}.footer-cta p{max-width:850px;color:#fff3ed;margin:0}.site-footer{background:#061528;color:#bdc9d7}.footer-grid{display:grid;grid-template-columns:1.7fr repeat(3,1fr);gap:45px;padding:58px 0}.footer-about img{width:285px;margin-bottom:18px}.footer-about p{max-width:420px;font-size:14px;color:#aebed0}.footer-grid h4{color:#fff;font-size:15px;letter-spacing:.01em;margin-bottom:13px}.footer-grid a{display:block;padding:5px 0;font-size:13px;color:#bdc9d7}.footer-grid a:hover{color:#fff}.footer-badges{display:flex;flex-wrap:wrap;gap:9px;margin-top:18px}.footer-badges span{display:flex;align-items:center;gap:6px;border:1px solid rgba(255,255,255,.12);border-radius:999px;padding:7px 10px;font-size:10px}.copyright{border-top:1px solid rgba(255,255,255,.11);padding:18px 0 26px;display:flex;justify-content:space-between;gap:30px;font-size:11px;color:#8ea0b4}

/* Admin */
.admin-login{min-height:100vh;background:#f3f6fa;display:grid;place-items:center}.admin-login-card{width:min(440px,calc(100% - 30px));background:#fff;border-radius:20px;padding:32px;box-shadow:var(--shadow);display:grid;gap:16px}.admin-login-card img{width:270px}.admin-login-card h1{font-size:31px;margin-bottom:0}.admin-page{background:#f3f6fa}.admin-shell{width:min(1420px,calc(100% - 30px));margin:auto;padding:30px 0}.admin-head{display:flex;justify-content:space-between;align-items:center;gap:20px}.admin-head img{width:285px}.admin-shell h1{margin-top:28px;font-size:38px}.admin-shell h1 span{font-size:15px;color:var(--muted)}.admin-table-wrap{overflow:auto;background:#fff;border-radius:16px;box-shadow:var(--shadow-soft);border:1px solid var(--line)}.admin-table{width:100%;border-collapse:collapse;min-width:1000px}.admin-table th,.admin-table td{text-align:left;padding:13px;border-bottom:1px solid var(--line);vertical-align:top;font-size:12px}.admin-table th{background:#f7f9fc;color:#41536a}.error{color:#b91c1c}

@media(max-width:1280px){
  .container{width:min(calc(100% - 40px),var(--max))}.brand img{width:275px}.primary-nav{gap:20px}.primary-nav a{font-size:13px}.nav-cta{padding:12px 16px}.hero-copy{padding-right:40px}.hero-help-card{right:10px;width:305px}.dashboard-grid{grid-template-columns:1fr 1fr}.why-panel{grid-column:1/-1}.why-list{grid-template-columns:repeat(4,1fr)}.category-card-grid{grid-template-columns:repeat(4,1fr)}.article-layout{width:min(calc(100% - 40px),1180px);gap:42px}.footer-grid{gap:30px}
}

@media(max-width:1080px){
  .utility-inner span:nth-child(4){display:none}.nav-row{height:78px}.brand img{width:260px}.primary-nav{position:absolute;left:0;right:0;top:116px;background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line);box-shadow:0 14px 28px rgba(8,27,51,.1);padding:16px 24px;display:none;flex-direction:column;align-items:stretch;gap:0}.nav-open .primary-nav{display:flex}.primary-nav a{padding:12px 0}.primary-nav a:after{display:none}.nav-toggle{display:grid;margin-left:auto}.nav-search{display:none}.nav-cta{margin-left:0}.hero-stage{grid-template-columns:1fr;min-height:720px}.hero-copy{padding:52px 355px 210px 0}.hero-visual{inset:0}.hero-visual img{object-position:61% center}.hero-image-shade{background:linear-gradient(90deg,rgba(7,27,51,.98) 0%,rgba(7,27,51,.91) 38%,rgba(7,27,51,.28) 73%,rgba(7,27,51,.1) 100%)}.hero-help-card{top:auto;bottom:32px;right:24px;width:315px}.category-scroll{overflow:auto;grid-template-columns:repeat(8,160px);padding-bottom:3px}.category-tile img{height:95px}.dashboard-grid{grid-template-columns:1fr}.why-panel{grid-column:auto}.why-list{grid-template-columns:repeat(2,1fr)}.mini-tool-grid{grid-template-columns:repeat(5,1fr)}.category-card-grid{grid-template-columns:repeat(2,1fr)}.guide-grid{grid-template-columns:repeat(2,1fr)}.advice-layout{grid-template-columns:1fr;gap:34px}.article-layout{grid-template-columns:1fr;max-width:850px}.sidebar{grid-template-columns:repeat(2,1fr)}.quote-box,.form-side .quote-box,.calculator-info{position:static}.tool-index-grid{grid-template-columns:1fr}.calculator-shell,.form-layout{grid-template-columns:1fr}.about-grid{grid-template-columns:1fr}.about-photo{max-width:760px}.footer-grid{grid-template-columns:repeat(3,1fr)}.footer-about{grid-column:1/-1}.footer-about p{max-width:700px}
}

@media(max-width:760px){
  .popular-searches{display:none}
  .container,.article-layout{width:min(calc(100% - 28px),var(--max))}.section{padding:58px 0}.utility-inner{justify-content:center}.utility-inner span:not(:first-child){display:none}.nav-row{height:70px;gap:12px}.brand img{width:215px}.nav-cta{display:none}.nav-toggle{margin-left:auto}.primary-nav{top:108px}.home-hero{overflow:visible}.hero-stage{min-height:790px}.hero-copy{padding:42px 0 275px;align-self:start}.hero-copy h1{font-size:58px}.hero-copy>p{font-size:16px;max-width:530px}.hero-visual{inset:0}.hero-visual img{object-position:65% center}.hero-image-shade{background:linear-gradient(180deg,rgba(7,27,51,.95) 0%,rgba(7,27,51,.86) 44%,rgba(7,27,51,.35) 67%,rgba(7,27,51,.22) 100%)}.hero-help-card{left:14px;right:14px;bottom:22px;width:auto;padding:21px}.hero-help-card h2{font-size:22px}.hero-help-card ul{grid-template-columns:repeat(2,1fr)}.popular-searches{font-size:11px}.category-ribbon{padding-top:12px}.category-scroll{grid-template-columns:repeat(8,145px)}.dashboard-grid{gap:14px}.panel{padding:17px}.mini-tool-grid{grid-template-columns:repeat(2,1fr)}.mini-tool{min-height:188px}.mini-tool:last-child{grid-column:1/-1}.feature-guide{height:130px}.why-list{grid-template-columns:1fr}.section-heading{align-items:flex-start;flex-direction:column}.category-card-grid,.guide-grid,.article-grid.big,.article-grid{grid-template-columns:1fr}.category-card-photo>img,.category-index .category-card-photo>img{height:210px}.how-panel{padding:26px 18px}.how-steps{grid-template-columns:1fr}.page-hero{padding:48px 0}.page-hero-inner{align-items:flex-start;flex-direction:column}.page-hero h1{font-size:46px}.visual-hero,.guide-title-hero{min-height:440px}.visual-hero-content,.guide-title-content{padding:48px 0}.visual-hero-content h1,.guide-title-content h1{font-size:49px}.visual-hero:after,.guide-title-shade{background:linear-gradient(90deg,rgba(3,17,33,.92),rgba(3,17,33,.65))}.article-layout{padding:48px 0}.article h2{font-size:30px}.at-a-glance,.feature-list,.check-list,.number-cards,.check-grid,.related-grid{grid-template-columns:1fr}.sidebar{grid-template-columns:1fr}.tool-index-card{grid-template-columns:56px 1fr;padding:19px}.tool-icon-large{width:54px;height:54px;border-radius:14px}.tool-icon-large .icon{width:26px}.calculator-card,.calculator-info,.lead-form{padding:20px}.form-grid{grid-template-columns:1fr}.about-values{grid-template-columns:1fr}.contact-grid{grid-template-columns:1fr}.thankyou h1{font-size:38px}.thankyou-actions{flex-direction:column}.footer-cta-inner{padding:42px 0;flex-direction:column;align-items:flex-start}.footer-cta h2{font-size:31px}.footer-grid{grid-template-columns:1fr 1fr}.footer-about{grid-column:1/-1}.copyright{flex-direction:column}.advice-cards>a{grid-template-columns:32px 1fr 24px}.result-metrics{grid-template-columns:1fr}.admin-head{align-items:flex-start;flex-direction:column}
}

@media(max-width:480px){
  .brand img{width:192px}.hero-stage{min-height:835px}.hero-copy h1{font-size:52px}.hero-copy{padding-bottom:320px}.hero-help-card ul{grid-template-columns:1fr}.search-row input{padding:15px}.search-button{width:54px}.category-scroll{grid-template-columns:repeat(8,136px)}.category-tile img{height:86px}.feature-guide-grid{grid-template-columns:1fr}.feature-guide{height:150px}.panel-head{flex-direction:column}.mini-tool-grid{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1fr}.footer-about{grid-column:auto}.footer-about img{width:245px}.about-photo img{aspect-ratio:1/1}.page-hero h1{font-size:42px}.legal-hero h1{font-size:43px}
}