:root {
  --blue: #0885fe;
  --blue-dark: #0568c0;
  --blue-soft: #eaf4ff;
  --navy: #16223b;
  --ink: #1a1a1c;
  --muted: #666666;
  --line: #dce3eb;
  --paper: #ffffff;
  --wash: #f5f8fc;
  --green: #137a4d;
  --amber: #8a5b00;
  --max: 1180px;
  --reading: 760px;
  --shadow: 0 16px 45px rgba(18, 41, 72, 0.1);
}

*,
*::before,
*::after {
  box-sizing: border-box;
}
html {
  scroll-behavior: smooth;
}
body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: "Lato", -apple-system, BlinkMacSystemFont, sans-serif;
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img,
svg {
  display: block;
  max-width: 100%;
}
a {
  color: var(--blue-dark);
  text-decoration-thickness: 0.08em;
  text-underline-offset: 0.18em;
}
a:hover {
  color: #033d75;
}
button,
input,
select,
textarea {
  font: inherit;
}
.container {
  width: min(calc(100% - 40px), var(--max));
  margin-inline: auto;
}
.skip-link {
  position: fixed;
  left: 16px;
  top: -100px;
  z-index: 10000;
  padding: 10px 15px;
  border-radius: 6px;
  background: var(--navy);
  color: #fff;
}
.skip-link:focus {
  top: 12px;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(255, 255, 255, 0.94);
  border-bottom: 1px solid rgba(0, 0, 0, 0.05);
  backdrop-filter: blur(10px);
}
.nav {
  position: relative;
  min-height: 68px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 24px;
}
.brand {
  position: absolute;
  left: 0;
  top: 50%;
  transform: translateY(-50%);
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: var(--navy);
  font-weight: 800;
  text-decoration: none;
  white-space: nowrap;
}
.brand-mark {
  width: 36px;
  height: 36px;
  display: grid;
  place-items: center;
  border-radius: 8px;
  background: var(--blue);
  color: #fff;
  font-size: 19px;
}
.nav-links {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  gap: 7px 16px;
  margin: 0;
  padding: 0;
  list-style: none;
}
.nav-links a {
  color: #344155;
  font-size: 14px;
  font-weight: 500;
  text-decoration: none;
}
.nav-links a:hover,
.nav-links a[aria-current="page"] {
  color: var(--blue-dark);
  text-decoration: underline;
  text-underline-offset: 6px;
}
.nav-links .nav-service {
  padding: 6px 1px 5px;
  border-radius: 0;
  font-weight: 500;
  text-decoration: none;
}
.nav-links .nav-service-primary {
  border-bottom: 2px solid #0885fe;
  background: transparent;
  color: var(--navy);
}
.nav-links .nav-service-primary:hover {
  background: transparent;
  color: var(--blue-dark);
}
.nav-links .nav-service-secondary {
  border: 0;
  border-bottom: 2px solid #e1292f;
  background: transparent;
  color: var(--navy);
}
.nav-links .nav-service-secondary:hover {
  border-color: #b51218;
  background: transparent;
  color: #9e1117;
}

.hero {
  padding: 72px 0 64px;
  background: linear-gradient(140deg, #f8fbff 0%, #edf5ff 100%);
  border-bottom: 1px solid var(--line);
}
.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.4fr) minmax(260px, 0.6fr);
  gap: 58px;
  align-items: center;
}
.eyebrow {
  margin: 0 0 12px;
  color: var(--blue-dark);
  font-size: 13px;
  font-weight: 400;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}
h1,
h2,
h3 {
  color: var(--navy);
  font-family: Merriweather, Georgia, serif;
  font-weight: 400;
  line-height: 1.2;
}
h1 {
  max-width: 920px;
  margin: 0 0 20px;
  font-size: clamp(36px, 5vw, 48px);
  letter-spacing: -0.035em;
}
.article-hero h1 {
  font-size: clamp(34px, 4.8vw, 48px);
}
.lede {
  max-width: 820px;
  margin: 0;
  color: #435064;
  font-size: clamp(18px, 2.2vw, 21px);
  line-height: 1.65;
}
.hero-card {
  padding: 25px;
  border: 1px solid #cfe0f3;
  border-radius: 14px;
  background: #fff;
  box-shadow: var(--shadow);
}
.hero-card strong {
  display: block;
  margin-bottom: 8px;
  color: var(--navy);
  font-size: 18px;
  font-weight: 400;
}
.hero-card p {
  margin: 0;
  color: var(--muted);
  font-size: 15px;
}
.meta-row {
  display: flex;
  flex-wrap: wrap;
  gap: 8px 24px;
  margin-top: 24px;
  color: var(--muted);
  font-size: 14px;
}
.meta-row span {
  display: inline-flex;
  align-items: center;
  gap: 7px;
}
.breadcrumb {
  padding: 16px 0;
  background: #fff;
  border-bottom: 1px solid var(--line);
  font-size: 14px;
}
.breadcrumb ol {
  display: flex;
  flex-wrap: wrap;
  gap: 7px;
  margin: 0 auto;
  padding: 0;
  list-style: none;
}
.breadcrumb li:not(:last-child)::after {
  margin-left: 7px;
  color: #8b95a4;
  content: "/";
}
.breadcrumb [aria-current="page"] {
  color: var(--muted);
}

.section {
  padding: 70px 0;
}
.section.alt {
  background: var(--wash);
  border-block: 1px solid var(--line);
}
.section-head {
  max-width: 790px;
  margin-bottom: 34px;
}
.section-head h2 {
  margin: 0 0 12px;
  font-size: clamp(28px, 3.6vw, 38px);
  font-weight: 400;
}
.section-head p {
  margin: 0;
  color: var(--muted);
}
.card-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
.card-grid.two-column {
  grid-template-columns: repeat(2, 1fr);
}
.card {
  display: flex;
  flex-direction: column;
  min-height: 100%;
  padding: 25px;
  border: 1px solid var(--line);
  border-radius: 12px;
  background: #fff;
  box-shadow: 0 8px 25px rgba(18, 41, 72, 0.05);
}
.card:hover {
  border-color: #b7d1ec;
  box-shadow: var(--shadow);
  transform: translateY(-2px);
}
.card .tag {
  align-self: flex-start;
  margin-bottom: 13px;
  padding: 4px 8px;
  border-radius: 5px;
  background: var(--blue-soft);
  color: var(--blue-dark);
  font-size: 12px;
  font-weight: 400;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}
.card h2,
.card h3 {
  margin: 0 0 10px;
  font-size: 22px;
  font-weight: 400;
}
.card p {
  margin: 0 0 18px;
  color: var(--muted);
  font-size: 15px;
}
.card a {
  margin-top: auto;
  font-weight: 400;
}

.article-shell {
  display: grid;
  grid-template-columns: minmax(0, var(--reading)) 280px;
  justify-content: space-between;
  gap: 65px;
  padding-block: 58px 80px;
}
.prose {
  min-width: 0;
}
.prose > :first-child {
  margin-top: 0;
}
.prose h2 {
  margin: 2.4em 0 0.65em;
  padding-top: 0.15em;
  font-size: clamp(27px, 3.2vw, 32px);
  font-weight: 400;
  letter-spacing: -0.02em;
}
.prose h3 {
  margin: 1.9em 0 0.5em;
  font-size: 24px;
  font-weight: 400;
}
.prose p {
  margin: 0 0 1.2em;
}
.prose ul,
.prose ol {
  margin: 0 0 1.4em;
  padding-left: 1.35em;
}
.prose li {
  margin: 0.4em 0;
  padding-left: 0.22em;
}
.prose strong {
  color: #111c2e;
  font-weight: 400;
}
.prose blockquote {
  margin: 1.5em 0;
  padding: 18px 22px;
  border-left: 4px solid var(--blue);
  background: var(--blue-soft);
  color: #29425f;
}
.prose blockquote p:last-child {
  margin-bottom: 0;
}
.callout {
  margin: 28px 0;
  padding: 20px 22px;
  border: 1px solid #bcd6ef;
  border-radius: 10px;
  background: #f4f9ff;
}
.callout.warning {
  border-color: #ead49b;
  background: #fff9e9;
}
.callout.success {
  border-color: #b8dfcd;
  background: #f0fbf6;
}
.callout h2,
.callout h3,
.callout strong:first-child {
  margin-top: 0;
}
.example {
  margin: 18px 0;
  padding: 18px 20px;
  border: 1px solid var(--line);
  border-left: 4px solid var(--blue);
  border-radius: 8px;
  background: #fff;
}
.example p:last-child {
  margin-bottom: 0;
}
.checklist {
  padding: 0;
  list-style: none;
}
.checklist li {
  position: relative;
  padding-left: 28px;
}
.checklist li::before {
  position: absolute;
  left: 0;
  top: 0.08em;
  color: var(--green);
  font-weight: 700;
  content: "✓";
}
.comparison {
  width: 100%;
  margin: 24px 0 32px;
  border-collapse: collapse;
  font-size: 15px;
}
.comparison th,
.comparison td {
  padding: 13px 14px;
  border: 1px solid var(--line);
  text-align: left;
  vertical-align: top;
}
.comparison th {
  background: var(--navy);
  color: #fff;
  font-weight: 400;
}
.table-scroll {
  max-width: 100%;
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
}
.table-scroll .comparison {
  min-width: 720px;
}
.guide-figure {
  margin: 30px 0 38px;
}
.guide-figure > a {
  display: block;
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: 12px;
  background: var(--wash);
}
.guide-figure img {
  width: 100%;
  height: auto;
}
.guide-figure figcaption {
  margin-top: 10px;
  color: var(--muted);
  font-size: 13px;
}
.data-figure {
  margin: 26px 0 34px;
  padding: 22px;
  border: 1px solid var(--line);
  border-radius: 10px;
  background: var(--wash);
}
.data-figure figcaption {
  margin-bottom: 18px;
  color: var(--navy);
  font-weight: 400;
}
.data-figure > a {
  display: block;
  margin-bottom: 22px;
  border-radius: 10px;
  overflow: hidden;
}
.data-figure img {
  width: 100%;
  height: auto;
}
.data-note {
  margin: 16px 0 0;
  color: var(--muted);
  font-size: 13px;
}
.comparison tr:nth-child(even) td {
  background: var(--wash);
}
.toc {
  position: sticky;
  top: 92px;
  align-self: start;
  padding: 21px;
  border: 1px solid var(--line);
  border-radius: 10px;
  background: var(--wash);
  font-size: 14px;
}
.toc strong {
  display: block;
  margin-bottom: 9px;
  color: var(--navy);
}
.toc ol {
  margin: 0;
  padding-left: 20px;
}
.toc li {
  margin: 7px 0;
}
.toc a {
  color: #3b4b62;
  text-decoration: none;
}
.toc a:hover {
  color: var(--blue-dark);
  text-decoration: underline;
}
.author-box {
  margin-top: 54px;
  padding: 22px;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  background: var(--wash);
}
.author-box p {
  margin: 6px 0 0;
  color: var(--muted);
  font-size: 15px;
}
.sources {
  font-size: 15px;
}
.sources li {
  overflow-wrap: anywhere;
}
.related {
  padding: 58px 0;
  background: var(--wash);
  border-top: 1px solid var(--line);
}

.faq-list details {
  margin: 0 0 12px;
  border: 1px solid var(--line);
  border-radius: 9px;
  background: #fff;
}
.faq-list summary {
  cursor: pointer;
  padding: 17px 48px 17px 18px;
  color: var(--navy);
  font-weight: 400;
  line-height: 1.4;
}
.faq-list details > div {
  padding: 0 18px 18px;
  color: #46556a;
}
.faq-list details p:last-child {
  margin-bottom: 0;
}
.faq-group {
  margin-top: 50px;
}
.faq-group h2 {
  font-size: clamp(27px, 3vw, 31px);
  font-weight: 400;
}
.toc > strong,
.author-box > strong,
.callout > strong:first-child {
  font-weight: 400;
}

.calculator {
  max-width: 720px;
  padding: 28px;
  border: 1px solid var(--line);
  border-radius: 14px;
  background: #fff;
  box-shadow: var(--shadow);
}
.field-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 18px;
}
.field label {
  display: block;
  margin-bottom: 6px;
  color: var(--navy);
  font-weight: 500;
}
.field input,
.field select {
  width: 100%;
  min-height: 48px;
  padding: 10px 12px;
  border: 1px solid #aeb9c6;
  border-radius: 7px;
  background: #fff;
  color: var(--ink);
}
.field input:focus,
.field select:focus {
  outline: 3px solid rgba(6, 109, 204, 0.2);
  border-color: var(--blue);
}
.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  margin-top: 18px;
  padding: 10px 20px;
  border: 0;
  border-radius: 7px;
  background: var(--blue-dark);
  color: #fff;
  font-weight: 500;
  text-decoration: none;
  cursor: pointer;
}
.button:hover {
  background: #004d99;
  color: #fff;
}
.result {
  margin-top: 22px;
  padding: 19px;
  border-radius: 8px;
  background: var(--blue-soft);
  color: var(--navy);
}
.result strong {
  display: block;
  font-size: 25px;
}
.fine-print {
  color: var(--muted);
  font-size: 13px;
}

.cta {
  padding: 60px 0;
  background: var(--navy);
  color: #fff;
}
.cta-grid {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 35px;
}
.cta h2 {
  margin: 0 0 8px;
  color: #fff;
  font-size: 32px;
}
.cta p {
  max-width: 720px;
  margin: 0;
  color: #cfdae9;
}
.cta .button {
  flex: 0 0 auto;
  margin: 0;
  background: #fff;
  color: var(--navy);
}

.site-footer {
  padding: 50px 0 25px;
  background: #0d1729;
  color: #bdc8d8;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1fr;
  gap: 38px;
}
.site-footer h2,
.site-footer h3 {
  margin: 0 0 12px;
  color: #fff;
  font-family: inherit;
  font-size: 15px;
}
.site-footer p,
.site-footer a {
  font-size: 14px;
}
.site-footer a {
  display: block;
  margin: 6px 0;
  color: #d7e0ec;
}
.footer-bottom {
  display: flex;
  justify-content: space-between;
  gap: 20px;
  margin-top: 35px;
  padding-top: 20px;
  border-top: 1px solid #28344a;
  font-size: 13px;
}

@media (max-width: 1080px) {
  .nav {
    justify-content: flex-end;
  }
  .brand {
    position: static;
    margin-right: auto;
    transform: none;
  }
  .nav-links {
    gap: 6px 15px;
  }
  .nav-links .nav-optional {
    display: none;
  }
}

@media (max-width: 920px) {
  .hero-grid,
  .article-shell {
    grid-template-columns: 1fr;
  }
  .hero-grid {
    gap: 28px;
  }
  .article-shell {
    gap: 35px;
  }
  .toc {
    position: static;
    order: -1;
  }
  .card-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 620px) {
  body {
    font-size: 16px;
  }
  .container {
    width: min(calc(100% - 28px), var(--max));
  }
  .site-header {
    position: static;
  }
  .nav {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    padding-block: 12px 14px;
  }
  .brand {
    margin: 0 auto;
  }
  .nav-links {
    display: grid;
    width: 100%;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    justify-content: stretch;
    gap: 8px;
    margin-top: 2px;
  }
  .nav-links li {
    min-width: 0;
  }
  .nav-links a {
    display: flex;
    min-height: 38px;
    align-items: center;
    justify-content: center;
    padding: 7px 5px;
    text-align: center;
    line-height: 1.25;
  }
  .nav-links .nav-contact {
    display: none;
  }
  .nav-links .nav-service {
    width: max-content;
    margin-inline: auto;
  }
  .hero {
    padding: 48px 0;
  }
  .section {
    padding: 52px 0;
  }
  .card-grid,
  .card-grid.two-column,
  .field-grid,
  .footer-grid {
    grid-template-columns: 1fr;
  }
  .article-shell {
    padding-block: 38px 58px;
  }
  .toc {
    max-height: none;
  }
  .comparison {
    display: block;
    overflow-x: auto;
  }
  .data-figure {
    padding: 18px 16px;
  }
  .bar-row {
    grid-template-columns: 42px minmax(90px, 1fr) 58px;
    gap: 8px;
    font-size: 13px;
  }
  .cta-grid,
  .footer-bottom {
    align-items: flex-start;
    flex-direction: column;
  }
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }
  *,
  *::before,
  *::after {
    scroll-behavior: auto !important;
    transition: none !important;
  }
}

@media print {
  .site-header,
  .breadcrumb,
  .toc,
  .cta,
  .site-footer {
    display: none !important;
  }
  body {
    color: #000;
    font-size: 11pt;
  }
  .hero {
    padding: 20px 0;
    background: #fff;
  }
  .article-shell {
    display: block;
    padding: 20px 0;
  }
  a {
    color: #000;
  }
}