:root{--navy:#10243a;--blue:#1d496d;--teal:#12b8a6;--teal-dark:#087f78;--ink:#1b2a3a;--muted:#607286;--line:#e2eaf0;--bg:#f5f8fb;--white:#fff;--soft:#eaf7f5;--shadow:0 14px 40px rgba(16,36,58,.08)}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:90px}body{margin:0;background:var(--bg);color:var(--ink);font:16px/1.68 Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif}a{color:var(--teal-dark);text-decoration:none}a:hover{text-decoration:underline}.shell{max-width:1180px;margin:auto;padding:0 24px}
header{background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:30;backdrop-filter:blur(12px)}.nav{height:76px;display:flex;align-items:center;justify-content:space-between;gap:20px}.brand{font-size:1.32rem;font-weight:900;letter-spacing:-.05em;color:var(--navy)}.brand span{color:var(--teal)}.navlinks{display:flex;align-items:center;gap:25px;font-size:.92rem;font-weight:700}.navlinks a{color:#526477}.navlinks .nav-cta{background:var(--navy);color:#fff;padding:9px 15px;border-radius:9px}
.hero{position:relative;overflow:hidden;padding:82px 0 72px;background:linear-gradient(125deg,#eaf8f6 0%,#f6f9fc 53%,#eaf0f8 100%);border-bottom:1px solid var(--line)}.hero:after{content:"";position:absolute;width:390px;height:390px;border-radius:50%;right:-110px;top:-130px;background:radial-gradient(circle,rgba(18,184,166,.16),rgba(18,184,166,0) 70%)}.hero-inner{position:relative;z-index:1}.eyebrow{display:inline-flex;align-items:center;gap:8px;color:var(--teal-dark);font-size:.76rem;font-weight:900;letter-spacing:.14em;text-transform:uppercase}.eyebrow:before{content:"";height:2px;width:22px;background:var(--teal)}.hero h1{max-width:810px;margin:15px 0 17px;color:var(--navy);font-size:clamp(2.5rem,5.6vw,4.5rem);line-height:1.04;letter-spacing:-.065em}.hero p{max-width:700px;color:#53677b;font-size:1.13rem;margin:0 0 28px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap}.btn,.btn-secondary{display:inline-flex;align-items:center;justify-content:center;border:0;border-radius:10px;padding:12px 18px;font:inherit;font-weight:850;cursor:pointer}.btn{background:var(--teal);color:#062d30}.btn-secondary{background:#fff;border:1px solid #d7e2e9;color:var(--navy)}.trustline{display:flex;gap:22px;flex-wrap:wrap;margin-top:30px;color:#65788a;font-size:.86rem;font-weight:650}.trustline span:before{content:"✓";color:var(--teal-dark);font-weight:900;margin-right:7px}
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:-28px;position:relative;z-index:2}.stat{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px 20px;box-shadow:var(--shadow)}.stat strong{display:block;color:var(--navy);font-size:1.2rem}.stat span{color:var(--muted);font-size:.84rem}
.section{padding:66px 0}.section.alt{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.section-head{display:flex;justify-content:space-between;align-items:end;gap:22px;margin-bottom:27px}.section-head h2{font-size:clamp(1.7rem,3vw,2.35rem);line-height:1.18;color:var(--navy);letter-spacing:-.045em;margin:0 0 8px}.section-head p{margin:0;color:var(--muted);max-width:680px}.section-kicker{font-size:.75rem;font-weight:900;letter-spacing:.13em;text-transform:uppercase;color:var(--teal-dark);margin-bottom:8px}
.search{max-width:600px;display:flex;background:#fff;border:1px solid #d9e4eb;border-radius:12px;padding:7px;box-shadow:0 7px 24px rgba(16,36,58,.05)}.search input{flex:1;min-width:0;border:0;outline:0;padding:10px 12px;font:inherit}.search button{border:0;border-radius:9px;background:var(--teal);color:#062d30;font-weight:850;padding:10px 16px;cursor:pointer}
.tools{display:grid;grid-template-columns:repeat(4,1fr);gap:17px}.tool-card{display:flex;flex-direction:column;min-height:240px;background:#fff;border:1px solid var(--line);border-radius:17px;padding:23px;box-shadow:0 5px 18px rgba(16,36,58,.035);transition:.18s}.tool-card:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:#c9e7e2}.tool-icon{height:45px;width:45px;display:grid;place-items:center;border-radius:13px;background:var(--soft);color:var(--teal-dark);font-size:1.25rem;font-weight:950}.tool-card h3{margin:16px 0 7px;color:var(--navy);font-size:1.05rem;line-height:1.35}.tool-card p{margin:0 0 18px;color:var(--muted);font-size:.9rem;line-height:1.55}.tool-card a{margin-top:auto;font-weight:850;font-size:.9rem}.tool-tag{display:inline-block;align-self:flex-start;margin-top:12px;border-radius:20px;padding:3px 9px;background:#f0f4f7;color:#617387;font-size:.72rem;font-weight:800}
.feature-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:28px;align-items:center}.feature-panel{background:var(--navy);color:#fff;border-radius:22px;padding:36px;min-height:310px;position:relative;overflow:hidden}.feature-panel:after{content:"";position:absolute;width:260px;height:260px;border:1px solid rgba(255,255,255,.12);border-radius:50%;right:-80px;bottom:-120px;box-shadow:0 0 0 30px rgba(255,255,255,.03),0 0 0 60px rgba(255,255,255,.025)}.feature-panel h2{font-size:2rem;line-height:1.15;letter-spacing:-.04em;margin:12px 0}.feature-panel p{color:#c7d4df;max-width:470px}.feature-panel .eyebrow{color:#8ce6d9}.feature-list{display:grid;gap:18px}.feature-item{display:grid;grid-template-columns:42px 1fr;gap:14px}.feature-item .n{width:40px;height:40px;border-radius:12px;background:#e7f7f4;color:var(--teal-dark);display:grid;place-items:center;font-weight:900}.feature-item h3{margin:0 0 4px;color:var(--navy);font-size:1.02rem}.feature-item p{margin:0;color:var(--muted);font-size:.91rem}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.step{background:#fff;border:1px solid var(--line);border-radius:16px;padding:23px}.step-num{color:var(--teal-dark);font-size:.78rem;font-weight:950;letter-spacing:.1em}.step h3{color:var(--navy);margin:9px 0 6px}.step p{color:var(--muted);margin:0;font-size:.92rem}
.calc-wrap{padding:42px 0 64px}.backlink{display:inline-block;margin:0 0 18px;font-weight:800}.calc-card{background:#fff;border:1px solid var(--line);border-radius:21px;padding:clamp(22px,4vw,38px);box-shadow:var(--shadow)}.calc-heading{display:flex;align-items:flex-start;justify-content:space-between;gap:20px;margin-bottom:27px}.calc-title{margin:0;color:var(--navy);font-size:clamp(1.8rem,4vw,2.5rem);line-height:1.12;letter-spacing:-.05em}.calc-intro{margin:9px 0 0;color:var(--muted);max-width:720px}.free-pill{white-space:nowrap;background:#eaf8f5;color:#087f78;border-radius:30px;padding:6px 11px;font-size:.76rem;font-weight:900}.calc-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:30px}.fields{display:grid;grid-template-columns:1fr 1fr;gap:17px}.field{display:flex;flex-direction:column;gap:6px}.field.full{grid-column:1/-1}.field label{font-size:.87rem;font-weight:800;color:#33485d}.field input{width:100%;border:1px solid #d7e2e9;border-radius:10px;padding:12px 13px;font:inherit;color:var(--ink);background:#fff}.field input:focus{outline:3px solid #d8f5f0;border-color:var(--teal)}.hint{font-size:.77rem;color:#788a9b}.results{background:#eff9f7;border:1px solid #d7eee9;border-radius:16px;padding:23px}.results h3{margin:0 0 17px;color:var(--navy)}.result-main{font-size:clamp(2rem,4vw,2.7rem);font-weight:950;letter-spacing:-.06em;color:#087f78;line-height:1.15;overflow-wrap:anywhere}.result-label{font-size:.85rem;color:var(--muted);margin:5px 0 18px}.result-row{display:flex;justify-content:space-between;gap:15px;padding:11px 0;border-top:1px solid #d7e9e5;font-size:.9rem}.result-row strong{color:var(--navy);text-align:right}.formula{margin-top:22px;padding:17px 19px;border-radius:12px;background:#f5f8fa;color:#596d80;font-size:.9rem}.formula strong{color:var(--navy)}.calc-content{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin-top:28px}.article-box{background:#fff;border:1px solid var(--line);border-radius:15px;padding:22px}.article-box h2{margin:0 0 9px;color:var(--navy);font-size:1.18rem}.article-box p,.article-box li{color:var(--muted);font-size:.92rem}.article-box ul{padding-left:20px}.article-box p:last-child{margin-bottom:0}
.cards-3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.info-card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:23px}.info-card h3{margin:0 0 8px;color:var(--navy)}.info-card p{margin:0;color:var(--muted);font-size:.92rem}.faq{max-width:900px}.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px 19px;margin:11px 0}.faq summary{font-weight:850;color:var(--navy);cursor:pointer}.faq details p{color:var(--muted);margin:9px 0 0;font-size:.93rem}
.article-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:17px}.article-card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:23px}.article-card .category{font-size:.73rem;text-transform:uppercase;letter-spacing:.1em;font-weight:900;color:var(--teal-dark)}.article-card h3{margin:9px 0;color:var(--navy);line-height:1.3}.article-card p{color:var(--muted);font-size:.9rem;margin:0 0 12px}.article-card a{font-weight:850}
.cta-band{background:linear-gradient(120deg,#e5f7f4,#eef3fa);border:1px solid #dcebe9;border-radius:20px;padding:30px;display:flex;align-items:center;justify-content:space-between;gap:20px}.cta-band h2{color:var(--navy);margin:0 0 5px;font-size:1.55rem}.cta-band p{color:var(--muted);margin:0}
.page{max-width:900px;margin:44px auto;padding:clamp(24px,5vw,42px);background:#fff;border:1px solid var(--line);border-radius:18px}.page h1,.page h2{color:var(--navy)}.page p,.page li{color:#526477}.hidden{display:none!important}
footer{background:var(--navy);color:#d9e4ed;padding:44px 0 25px;margin-top:35px}.footer-top{display:flex;justify-content:space-between;gap:30px;flex-wrap:wrap;padding-bottom:27px;border-bottom:1px solid rgba(255,255,255,.13)}.footer-brand{font-weight:900;color:#fff;font-size:1.25rem}.footer-description{max-width:340px;color:#b7c7d5;font-size:.88rem}.footer-links{display:flex;gap:18px;flex-wrap:wrap}.footer-links a{color:#d9e4ed;font-size:.88rem}.fineprint{font-size:.78rem;color:#a9bac9;margin-top:18px}
@media(max-width:950px){.tools{grid-template-columns:repeat(2,1fr)}.calc-grid{grid-template-columns:1fr}.feature-grid{grid-template-columns:1fr}.article-grid{grid-template-columns:1fr 1fr}}
@media(max-width:650px){.shell{padding:0 17px}.nav{height:66px}.navlinks{gap:13px;font-size:.82rem}.navlinks a:nth-child(2){display:none}.hero{padding:55px 0 48px}.stats{grid-template-columns:1fr;margin-top:16px}.section{padding:46px 0}.tools,.cards-3,.steps,.article-grid{grid-template-columns:1fr}.tool-card{min-height:unset}.fields{grid-template-columns:1fr}.field.full{grid-column:auto}.calc-heading{display:block}.free-pill{display:inline-block;margin-top:12px}.calc-content{grid-template-columns:1fr}.cta-band{display:block}.cta-band .btn{margin-top:15px}.feature-panel{padding:27px}}


/* Editorial hub additions */
.topic-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.topic-card{display:block;background:#fff;border:1px solid var(--line);border-radius:16px;padding:21px;transition:.18s}
.topic-card:hover{transform:translateY(-3px);box-shadow:var(--shadow);text-decoration:none;border-color:#c9e7e2}
.topic-card .topic-icon{width:42px;height:42px;border-radius:12px;background:var(--soft);display:grid;place-items:center;color:var(--teal-dark);font-weight:950;font-size:1.1rem;margin-bottom:13px}
.topic-card h3{margin:0 0 6px;color:var(--navy);font-size:1rem}
.topic-card p{margin:0;color:var(--muted);font-size:.87rem}
.guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:17px}
.guide-card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:16px;overflow:hidden;min-height:270px}
.guide-top{padding:19px 21px 0}
.guide-category{font-size:.72rem;font-weight:950;letter-spacing:.1em;text-transform:uppercase;color:var(--teal-dark)}
.guide-card h3{font-size:1.08rem;line-height:1.3;color:var(--navy);margin:8px 0}
.guide-card p{font-size:.9rem;color:var(--muted);margin:0}
.guide-bottom{padding:16px 21px 20px;margin-top:auto;display:flex;justify-content:space-between;align-items:center;gap:10px}
.guide-bottom a{font-size:.88rem;font-weight:900}
.read-time{font-size:.75rem;color:#8291a0;font-weight:750}
.editorial-note{background:#f0f7fb;border:1px solid #dce9f1;border-radius:13px;padding:17px 19px;color:#53697d;font-size:.88rem}
.article-layout{max-width:850px;margin:42px auto 70px;padding:0 22px}
.article-hero{padding:34px 0 27px;border-bottom:1px solid var(--line);margin-bottom:28px}
.article-hero .guide-category{margin-bottom:10px}
.article-hero h1{font-size:clamp(2rem,4.5vw,3.35rem);line-height:1.1;letter-spacing:-.055em;color:var(--navy);margin:0 0 15px}
.article-hero .dek{font-size:1.12rem;color:var(--muted);max-width:760px}
.article-meta{font-size:.82rem;color:#8291a0;font-weight:700}
.article-body{font-size:1.02rem;line-height:1.82;color:#42576b}
.article-body h2{font-size:1.55rem;line-height:1.25;letter-spacing:-.03em;color:var(--navy);margin:36px 0 10px}
.article-body h3{color:var(--navy);margin:25px 0 8px}
.article-body ul,.article-body ol{padding-left:24px}
.article-body li{margin:7px 0}
.article-callout{background:#eaf7f5;border-left:4px solid var(--teal);padding:17px 19px;border-radius:0 12px 12px 0;margin:23px 0;color:#315b5b}
.article-callout strong{color:#087f78}
.article-body table{width:100%;border-collapse:collapse;margin:18px 0;font-size:.9rem}
.article-body th,.article-body td{padding:11px;border-bottom:1px solid var(--line);text-align:left}
.article-body th{color:var(--navy);background:#f4f8fa}
.article-body a{font-weight:750}
.related-tools{display:flex;gap:10px;flex-wrap:wrap;margin:20px 0}
.related-tools a{display:inline-block;padding:9px 13px;background:#eff8f6;border:1px solid #d5ece7;border-radius:9px;font-size:.85rem;font-weight:850}
.source-note{font-size:.84rem;color:#6c7d8d;border-top:1px solid var(--line);padding-top:16px;margin-top:28px}
@media(max-width:950px){.topic-grid{grid-template-columns:repeat(2,1fr)}.guide-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:650px){.topic-grid,.guide-grid{grid-template-columns:1fr}.navlinks a:nth-child(3){display:none}.article-layout{padding:0 17px}}


/* Publishing polish and accessibility */
.skip-link{position:absolute;left:-9999px;top:8px;z-index:9999;background:#fff;color:#10243a;padding:12px 16px;border-radius:8px}
.skip-link:focus{left:8px}
.guide-archive-link{margin-top:24px;text-align:center}
a:focus-visible,button:focus-visible,input:focus-visible{outline:3px solid #1aa6a0;outline-offset:3px}
@media(prefers-reduced-motion:reduce){*,*::before,*::after{scroll-behavior:auto!important;animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important}}

/* Small disclosure for currency assumptions */
.currency-note{font-size:.82rem;color:#607086;margin:12px 0 0}
:focus-visible{outline:3px solid #e7a83e;outline-offset:3px}
@media(prefers-reduced-motion:reduce){html:focus-within{scroll-behavior:auto}*,*::before,*::after{scroll-behavior:auto!important;animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important}}

/* Dormant advertising placements: hidden until the publisher has approval and a compliant consent setup. */
.ad-slot{min-height:100px;margin:28px auto;padding:12px;border:1px dashed #cbd5e1;border-radius:12px;color:#718096;text-align:center;align-items:center;justify-content:center;font-size:.78rem}
[hidden]{display:none!important}