:root {
    --blue: #1d5fd1;
    --blue-dark: #10213c;
    --cyan: #e8f3ff;
    --sand: #f7f8fb;
    --ink: #17233a;
    --muted: #62728a;
    --line: #d7e0ee;
    --gold: #e0a640;
    --green: #1c7c54;
    --danger: #9a3412;
    --font-sans: Inter, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
    --font-display: "Iowan Old Style", "Palatino Linotype", "Book Antiqua", Georgia, serif;
}

* {
    box-sizing: border-box;
}

body {
    margin: 0;
    font-family: var(--font-sans);
    color: var(--ink);
    background: #fff;
    line-height: 1.6;
}

a {
    color: var(--blue);
}

a:hover {
    text-decoration-thickness: 0.12em;
}

.container {
    width: min(1120px, calc(100% - 2rem));
    margin: 0 auto;
}

.content-narrow {
    max-width: 780px;
}

.section-pad {
    padding: 4rem 0;
}

.bg-light {
    background: var(--sand);
}

.mt-4 {
    margin-top: 1.5rem;
}

.mt-5 {
    margin-top: 3rem;
}

.mb-4 {
    margin-bottom: 1.5rem;
}

.lead {
    max-width: 60rem;
    font-size: 1.18rem;
    color: #334155;
}

.site-header {
    position: sticky;
    top: 0;
    z-index: 20;
    background: rgba(255, 255, 255, 0.94);
    border-bottom: 1px solid var(--line);
    backdrop-filter: saturate(140%) blur(10px);
}

.header-inner {
    min-height: 72px;
    display: flex;
    align-items: center;
    gap: 1rem;
}

.brand {
    display: inline-flex;
    align-items: center;
    gap: 0.55rem;
    color: var(--ink);
    font-weight: 900;
    text-decoration: none;
}

.brand-mark {
    display: inline-grid;
    place-items: center;
    width: 2rem;
    height: 2rem;
    border-radius: 0.75rem;
    background: var(--blue);
    color: #fff;
}

.brand-text {
    letter-spacing: -0.03em;
}

.main-nav {
    display: flex;
    gap: 0.9rem;
    margin-left: auto;
}

.main-nav a {
    color: var(--ink);
    text-decoration: none;
    font-weight: 700;
}

.main-nav a:hover {
    color: var(--blue);
}

.nav-toggle {
    display: none;
}

.site-search-form {
    display: flex;
    margin-left: 1rem;
}

.site-search-form input,
.search-hero-form input {
    border: 1px solid var(--line);
    border-radius: 999px 0 0 999px;
    padding: 0.55rem 0.8rem;
    min-width: 10rem;
}

.site-search-form button,
.search-hero-form button {
    border: 0;
    border-radius: 0 999px 999px 0;
    padding: 0.55rem 0.85rem;
    background: var(--blue);
    color: #fff;
    font-weight: 800;
    cursor: pointer;
}

.skip-link {
    position: absolute;
    left: -999px;
}

.skip-link:focus {
    left: 1rem;
    top: 1rem;
    z-index: 999;
    background: #fff;
    padding: 0.5rem 1rem;
    border-radius: 0.5rem;
}

.hero,
.article-hero {
    background: linear-gradient(135deg, #eef5ff 0%, #fff9ed 54%, #eef7ff 100%);
    padding: 4rem 0;
}

.hero-grid,
.calculator-hero-grid {
    display: grid;
    grid-template-columns: minmax(0, 1.25fr) minmax(280px, 0.75fr);
    gap: 2rem;
    align-items: center;
}

.home-hero {
    max-width: min(960px, calc(100% - 2rem));
}

.home-hero-copy {
    max-width: 850px;
}

.home-hero .lead {
    max-width: 760px;
    font-size: clamp(1.18rem, 2vw, 1.35rem);
}

h1,
h2 {
    font-family: var(--font-display);
    font-weight: 700;
}

h1 {
    font-size: clamp(2.2rem, 5vw, 4.5rem);
    line-height: 1.02;
    letter-spacing: -0.06em;
    margin: 0.5rem 0 1rem;
}

h2 {
    font-size: clamp(1.55rem, 3vw, 2.2rem);
    line-height: 1.12;
    letter-spacing: -0.035em;
    margin: 0 0 0.8rem;
}

h3 {
    line-height: 1.2;
    margin: 0.2rem 0 0.45rem;
}

.eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 0.45rem;
    color: var(--blue);
    font-weight: 900;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    font-size: 0.78rem;
}

.eyebrow::before,
.hero-breadcrumbs::before {
    content: "";
    width: 0.72rem;
    height: 0.72rem;
    background: var(--gold);
    border-radius: 50%;
    flex: 0 0 auto;
}

.hero-actions {
    display: flex;
    gap: 0.65rem;
    flex-wrap: wrap;
    margin-top: 1.25rem;
}

.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    border-radius: 999px;
    padding: 0.72rem 1rem;
    font-weight: 850;
    text-decoration: none;
    border: 1px solid transparent;
    cursor: pointer;
}

.btn-primary {
    background: var(--blue);
    color: #fff;
}

.btn-secondary {
    background: #fff;
    color: var(--blue);
    border-color: rgba(29, 95, 209, 0.25);
}

.trust-row {
    display: flex;
    gap: 0.55rem;
    flex-wrap: wrap;
    margin-top: 1.25rem;
}

.trust-row span,
.selector-chip,
.card-label {
    display: inline-flex;
    padding: 0.36rem 0.62rem;
    border-radius: 999px;
    background: rgba(255, 255, 255, 0.78);
    border: 1px solid rgba(29, 95, 209, 0.16);
    font-size: 0.85rem;
    font-weight: 800;
    color: #29456d;
}

.metric-panel,
.soft-card,
.card,
.metric-card,
.calculator-card,
.data-source-box,
.search-result-card,
.hub-group {
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 1.25rem;
    padding: 1.25rem;
    box-shadow: 0 0.45rem 1.35rem rgba(16, 33, 60, 0.06);
}

.metric-panel strong {
    display: block;
    font-size: 2rem;
    letter-spacing: -0.04em;
}

.metric-label {
    display: block;
    color: var(--blue);
    font-weight: 900;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    font-size: 0.75rem;
}

.card-grid,
.metric-grid,
.guide-link-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 1rem;
}

.home-section-heading {
    max-width: 860px;
}

.home-section-heading p {
    max-width: 780px;
    color: #334155;
    font-size: 1.08rem;
}

.home-editorial-grid {
    display: grid;
    grid-template-columns: minmax(0, 1.15fr) minmax(280px, 0.85fr);
    gap: 2.5rem;
    align-items: start;
}

.home-editorial-grid p {
    font-size: 1.06rem;
}

.home-definition-list {
    display: grid;
    gap: 0.85rem;
    border-left: 1px solid var(--line);
    padding-left: 1.35rem;
}

.home-definition-list article {
    padding: 0.15rem 0 0.95rem;
    border-bottom: 1px solid rgba(215, 224, 238, 0.72);
}

.home-definition-list article:last-child {
    border-bottom: 0;
    padding-bottom: 0;
}

.home-definition-list span {
    display: block;
    color: var(--blue);
    font-weight: 900;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    font-size: 0.76rem;
}

.home-definition-list p {
    margin: 0.25rem 0 0;
    color: #334155;
}

.guide-link-grid {
    align-items: stretch;
}

.card {
    height: 100%;
}

.card a {
    color: var(--ink);
    text-decoration: none;
}

.card p,
.metric-card p {
    color: var(--muted);
    margin-bottom: 0;
}

.metric-card span {
    font-weight: 900;
    color: var(--blue);
    text-transform: uppercase;
    letter-spacing: 0.08em;
    font-size: 0.76rem;
}

.metric-card strong {
    display: block;
    font-size: 2.2rem;
    line-height: 1;
    margin: 0.5rem 0;
}

.metric-source {
    display: block;
    margin-top: 0.55rem;
    color: var(--muted);
    font-size: 0.82rem;
    font-weight: 750;
}

.metric-change {
    display: inline-flex;
    align-items: center;
    gap: 0.38rem;
    margin: 0.7rem 0 0.15rem;
    padding: 0.38rem 0.58rem;
    border-radius: 999px;
    border: 1px solid var(--line);
    background: var(--sand);
    font-size: 0.9rem;
    font-weight: 850;
}

.metric-change .metric-change-arrow,
.metric-change .metric-change-value,
.metric-change .metric-change-label {
    color: inherit;
    font-weight: inherit;
    letter-spacing: normal;
    text-transform: none;
    font-size: inherit;
}

.metric-change .metric-change-arrow {
    display: inline-grid;
    place-items: center;
    width: 1.35rem;
    height: 1.35rem;
    border-radius: 999px;
    background: rgba(255, 255, 255, 0.72);
}

.metric-change-up {
    color: #166534;
    border-color: rgba(22, 101, 52, 0.24);
    background: #ecfdf3;
}

.metric-change-down {
    color: #b42318;
    border-color: rgba(180, 35, 24, 0.24);
    background: #fff1f0;
}

.metric-change-flat {
    color: #64748b;
    border-color: #d7e0ee;
    background: #f8fafc;
}

.notice {
    border-left: 5px solid var(--blue);
    background: #f4f8ff;
    padding: 1rem 1.2rem 1rem 1.35rem;
}

.notice-kicker {
    display: block;
    margin-bottom: 0.35rem;
    color: var(--blue);
    font-weight: 900;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    font-size: 0.75rem;
}

.notice p {
    margin: 0;
}

.risk-notice {
    border-left-color: var(--danger);
    background: #fff7ed;
}

.risk-notice .notice-kicker {
    color: var(--danger);
}

.data-source-box ul,
.site-footer ul {
    margin: 0;
    padding-left: 1.1rem;
}

.data-source-box li + li {
    margin-top: 0.35rem;
}

.guide-body h2 {
    margin-top: 2.3rem;
}

.guide-body p,
.guide-body li {
    font-size: 1.04rem;
}

.check-list {
    padding-left: 0;
    list-style: none;
}

.check-list li {
    position: relative;
    padding-left: 1.7rem;
    margin: 0.55rem 0;
}

.check-list li::before {
    content: "✓";
    position: absolute;
    left: 0;
    color: var(--green);
    font-weight: 900;
}

.chart-placeholder {
    min-height: 280px;
    border: 1px dashed var(--line);
    border-radius: 1.25rem;
    display: grid;
    place-items: center;
    background: var(--sand);
    color: var(--muted);
    font-weight: 800;
}

.calculator-page .article-hero {
    position: relative;
    overflow: hidden;
    padding: 4.75rem 0 4.1rem;
}

.calculator-page .article-hero::after {
    content: "";
    position: absolute;
    inset: auto -7rem -8rem auto;
    width: 22rem;
    height: 22rem;
    background: radial-gradient(circle, rgba(29, 95, 209, 0.14) 0%, rgba(29, 95, 209, 0) 68%);
    pointer-events: none;
}

.calculator-page .content-narrow {
    max-width: 690px;
}

.calculator-page h1 {
    max-width: 12ch;
}

.calculator-hero-panel {
    position: relative;
    padding: 1.5rem;
}

.calculator-hero-panel p {
    margin-bottom: 0;
}

.calculator-shell {
    display: grid;
    grid-template-columns: minmax(0, 1.15fr) minmax(300px, 0.7fr);
    gap: 1.5rem;
    align-items: start;
}

.calculator-shell-single {
    grid-template-columns: minmax(0, 860px);
    justify-content: center;
}

.calculator-main-flow {
    display: grid;
    gap: 1rem;
}

.calculator-main-flow-single {
    gap: 1.25rem;
}

.calculator-sidebar {
    display: grid;
    gap: 1rem;
    position: sticky;
    top: 6.1rem;
}

.calculator-card {
    display: grid;
    gap: 1.25rem;
}

.calculator-form,
.calculator-form-modern {
    padding: 1.6rem;
    border-color: #cfdcee;
    box-shadow: 0 1rem 2.6rem rgba(16, 33, 60, 0.09);
    background: linear-gradient(150deg, #f9fbff 0%, #ffffff 48%, #f8fbff 100%);
}

.calculator-form-combined {
    gap: 1.5rem;
}

.calculator-card-header {
    display: grid;
    gap: 0.55rem;
    padding-bottom: 1.1rem;
    border-bottom: 1px solid #e3eaf5;
}

.calculator-kicker {
    display: inline-flex;
    align-items: center;
    gap: 0.45rem;
    color: var(--blue);
    font-size: 0.78rem;
    font-weight: 900;
    text-transform: uppercase;
    letter-spacing: 0.08em;
}

.calculator-kicker::before {
    content: "";
    width: 0.6rem;
    height: 0.6rem;
    border-radius: 999px;
    background: var(--gold);
}

.calculator-card-title {
    margin: 0;
    font-size: clamp(1.6rem, 2.2vw, 2.25rem);
}

.calculator-card-intro {
    margin: 0;
    max-width: 48rem;
    color: #4f5f78;
}

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

.calculator-field-grid .form-field:first-child {
    grid-column: 1 / -1;
}

.form-field {
    display: grid;
    gap: 0.45rem;
    font-weight: 800;
    color: #21314f;
}

.form-field span {
    font-size: 0.95rem;
}

.calculator-card input {
    width: 100%;
    padding: 0.84rem 0.95rem;
    border: 1px solid #c9d6e9;
    border-radius: 0.9rem;
    font: inherit;
    color: var(--ink);
    background: linear-gradient(180deg, #fff 0%, #f9fbff 100%);
    transition: border-color 0.2s ease, box-shadow 0.2s ease, background 0.2s ease, transform 0.2s ease;
}

.calculator-card input:hover {
    border-color: #9fb8e4;
}

.calculator-card input:focus {
    border-color: rgba(29, 95, 209, 0.55);
    box-shadow: 0 0 0 0.24rem rgba(29, 95, 209, 0.12);
    outline: none;
    background: #fff;
    transform: translateY(-1px);
}

.calculator-actions {
    display: flex;
    align-items: center;
    gap: 0.85rem;
    flex-wrap: wrap;
}

.calculator-actions .btn {
    min-height: 3.2rem;
    padding-inline: 1.25rem;
}

.calculator-status {
    display: grid;
    gap: 0.15rem;
    padding: 1rem 1.05rem;
    border-radius: 1rem;
    background: linear-gradient(180deg, #f5f8ff 0%, #eef4ff 100%);
    border: 1px solid #d8e3f4;
    color: #3f5473;
}

.calculator-status strong {
    color: var(--ink);
}

.calculator-inline-result {
    display: grid;
    gap: 1rem;
}

.calculator-result-divider {
    height: 1px;
    background: linear-gradient(90deg, rgba(201, 214, 233, 0.15) 0%, rgba(201, 214, 233, 0.95) 18%, rgba(201, 214, 233, 0.95) 82%, rgba(201, 214, 233, 0.15) 100%);
}

.calc-result-card {
    min-height: 210px;
    display: flex;
    flex-direction: column;
    justify-content: center;
    gap: 0.35rem;
    padding: 1.5rem;
    background: linear-gradient(165deg, #ffffff 0%, #eef4ff 100%);
    border-color: #ccd9f0;
    box-shadow: 0 0.8rem 2.2rem rgba(16, 33, 60, 0.08);
}

.calc-result-card-inline {
    min-height: 160px;
    padding: 1.35rem 1.4rem;
    border-radius: 1rem;
    box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.55);
}

.calc-result-card strong {
    font-size: clamp(2rem, 4vw, 2.8rem);
    letter-spacing: -0.05em;
}

.calc-result-card p {
    margin: 0.15rem 0;
    line-height: 1.35;
}

.calc-result-card .calc-meta-line {
    font-size: 0.84rem;
    color: #5f708b;
}

.calc-result-card.is-loading {
    position: relative;
    overflow: hidden;
}

.calc-result-card.is-loading::after {
    content: "";
    position: absolute;
    inset: 0;
    transform: translateX(-100%);
    background: linear-gradient(90deg, rgba(255, 255, 255, 0), rgba(29, 95, 209, 0.12), rgba(255, 255, 255, 0));
    animation: calcShimmer 1.25s infinite;
}

.calc-result-card.is-error {
    border-color: #f1b8a8;
    background: linear-gradient(165deg, #fff8f6 0%, #fff 100%);
}

.calc-result-card.is-error p {
    color: #9a3412;
    font-weight: 700;
}

.calc-result-card.is-empty {
    justify-content: center;
    color: #5f708b;
}

.calc-result-card.is-empty p {
    margin: 0;
}

@keyframes calcShimmer {
    100% {
        transform: translateX(100%);
    }
}

.calculator-list {
    margin: 1rem 0 0;
    padding-left: 1.1rem;
    color: #42536c;
}

.calculator-list li + li {
    margin-top: 0.55rem;
}

.calculator-footnote {
    margin-top: 1.25rem;
    max-width: 48rem;
}

.calculator-article-section {
    padding-top: 0;
}

.calculator-article-body {
    max-width: 860px;
}

.calculator-article-body h2:first-of-type {
    margin-top: 0.45rem;
}

.calculator-sidebar .guide-link-grid,
.soft-card .guide-link-grid {
    grid-template-columns: 1fr;
}

.calculator-sidebar .card,
.soft-card .card {
    min-height: auto;
}

.calculator-sidebar .card p,
.soft-card .card p {
    font-size: 0.94rem;
}

.hub-group-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 1rem;
}

.hub-link-list {
    display: grid;
    gap: 0.75rem;
}

.hub-link-row {
    display: grid;
    grid-template-columns: minmax(0, 1fr) auto;
    gap: 1rem;
    align-items: center;
    padding: 0.9rem 1rem;
    border: 1px solid var(--line);
    border-radius: 1rem;
    background: #fff;
    text-decoration: none;
    color: var(--ink);
}

.hub-link-title {
    display: block;
    font-weight: 900;
}

.hub-link-text {
    display: block;
    color: var(--muted);
    font-size: 0.95rem;
}

.hub-link-tag {
    display: inline-flex;
    margin-bottom: 0.35rem;
    color: var(--blue);
    font-size: 0.75rem;
    font-weight: 900;
    text-transform: uppercase;
    letter-spacing: 0.08em;
}

.hub-link-arrow {
    font-size: 1.4rem;
    color: var(--blue);
}

.hero-breadcrumbs,
.search-result-breadcrumbs {
    display: flex;
    flex-wrap: wrap;
    gap: 0.4rem;
    align-items: center;
    color: var(--blue);
    font-size: 0.78rem;
    font-weight: 900;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    margin-bottom: 1rem;
}

.hero-breadcrumbs a,
.search-result-breadcrumbs a {
    text-decoration: none;
}

.hero-breadcrumb-current {
    color: var(--ink);
}

.search-hero-form {
    display: flex;
    margin: 1.4rem 0;
}

.search-suggestions {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: 0.5rem;
}

.search-suggestions span {
    font-weight: 900;
}

.search-suggestions a {
    padding: 0.35rem 0.65rem;
    border: 1px solid var(--line);
    border-radius: 999px;
    background: #fff;
    text-decoration: none;
    font-weight: 800;
}

.search-results {
    display: grid;
    gap: 1rem;
    max-width: 900px;
}

.site-footer {
    background: var(--blue-dark);
    color: #fff;
    padding: 3rem 0 1.5rem;
    margin-top: 4rem;
}

.site-footer a {
    color: rgba(255, 255, 255, 0.82);
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.4fr 0.8fr 0.8fr;
    gap: 2rem;
}

.footer-brand {
    color: #fff;
}

.footer-copy {
    text-align: center;
    color: rgba(255, 255, 255, 0.65);
    font-size: 0.9rem;
    margin: 2rem 0 0;
}

.visually-hidden {
    position: absolute !important;
    width: 1px;
    height: 1px;
    padding: 0;
    margin: -1px;
    overflow: hidden;
    clip: rect(0, 0, 0, 0);
    white-space: nowrap;
    border: 0;
}

@media (max-width: 980px) {
    .calculator-shell {
        grid-template-columns: 1fr;
    }

    .calculator-sidebar {
        position: static;
    }
}

@media (max-width: 860px) {
    .header-inner {
        flex-wrap: wrap;
        padding: 0.7rem 0;
    }

    .nav-toggle {
        display: inline-flex;
        margin-left: auto;
        border: 1px solid var(--line);
        background: #fff;
        border-radius: 999px;
        padding: 0.45rem 0.8rem;
        font-weight: 850;
    }

    .main-nav {
        display: none;
        order: 3;
        width: 100%;
        margin-left: 0;
        flex-direction: column;
        background: #fff;
        border: 1px solid var(--line);
        border-radius: 1rem;
        padding: 1rem;
    }

    .main-nav.is-open {
        display: flex;
    }

    .site-search-form {
        order: 4;
        width: 100%;
        margin: 0;
    }

    .site-search-form input {
        flex: 1;
    }

    .hero-grid,
    .calculator-hero-grid,
    .home-editorial-grid,
    .footer-grid,
    .hub-group-grid,
    .calculator-field-grid {
        grid-template-columns: 1fr;
    }

    .home-definition-list {
        border-left: 0;
        padding-left: 0;
    }

    .card-grid,
    .metric-grid,
    .guide-link-grid {
        grid-template-columns: 1fr;
    }

    .section-pad,
    .hero,
    .article-hero,
    .calculator-page .article-hero {
        padding: 3rem 0;
    }

    .calculator-page .article-hero::after {
        display: none;
    }

    .calculator-page h1 {
        max-width: none;
    }

    .calculator-form,
    .calculator-form-modern {
        padding: 1.2rem;
    }

    .calculator-form-combined {
        gap: 1.25rem;
    }

    .calculator-field-grid .form-field:first-child {
        grid-column: auto;
    }

    .calculator-actions .btn {
        width: 100%;
    }

    .calc-result-card {
        min-height: 180px;
    }

    h1 {
        font-size: 2.45rem;
    }
}