:root {
  --navy-950: #071a2c;
  --navy-900: #0b243d;
  --navy-800: #123a5b;
  --teal-500: #15b8a6;
  --teal-100: #d9f7f2;
  --amber-400: #f5b642;
  --paper: #f7fafc;
  --white: #ffffff;
  --ink: #102a43;
  --muted: #5f7182;
  --line: #dbe5ec;
  --shadow: 0 24px 70px rgba(7, 26, 44, 0.14);
  --radius: 24px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.55;
}
a { color: inherit; }
button, input { font: inherit; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  display: flex;
  align-items: center;
  justify-content: space-between;
  max-width: 1200px;
  margin: 0 auto;
  padding: 14px 28px;
  background: rgba(247, 250, 252, 0.88);
  backdrop-filter: blur(14px);
}
.brand { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; font-size: 1.08rem; letter-spacing: -0.02em; }
.brand img { object-fit: contain; }
.site-header nav { display: flex; gap: 28px; }
.site-header nav a { color: var(--muted); text-decoration: none; font-size: 0.92rem; font-weight: 650; }
.site-header nav a:hover { color: var(--navy-900); }

.hero {
  position: relative;
  display: grid;
  grid-template-columns: 1.12fr 0.88fr;
  gap: 72px;
  align-items: center;
  max-width: 1200px;
  min-height: 650px;
  margin: 0 auto;
  padding: 84px 28px 96px;
}
.hero::before {
  content: "";
  position: absolute;
  inset: 10% -8% auto auto;
  width: 420px;
  height: 420px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(21,184,166,.16), rgba(21,184,166,0) 66%);
  pointer-events: none;
}
.status-pill { display: inline-flex; align-items: center; gap: 9px; padding: 7px 12px; border: 1px solid #c9e8e3; border-radius: 999px; color: #236b62; background: #effbf9; font-size: .8rem; font-weight: 700; }
.status-pill span { width: 7px; height: 7px; border-radius: 50%; background: var(--teal-500); box-shadow: 0 0 0 4px rgba(21,184,166,.13); }
.eyebrow { margin: 24px 0 10px; color: #147f74; font-size: .8rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; }
h1, h2, h3, p { margin-top: 0; }
h1 { max-width: 760px; margin-bottom: 22px; color: var(--navy-950); font-size: clamp(3rem, 7vw, 5.5rem); line-height: .98; letter-spacing: -.045em; }
h1 em { color: var(--teal-500); font-style: normal; }
.lead { max-width: 650px; color: var(--muted); font-size: clamp(1.05rem, 2vw, 1.28rem); }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin: 32px 0 14px; }
.button { display: inline-flex; align-items: center; justify-content: center; min-height: 50px; padding: 0 23px; border: 0; border-radius: 13px; text-decoration: none; font-weight: 800; cursor: pointer; transition: transform .18s ease, box-shadow .18s ease, background .18s ease; }
.button:hover { transform: translateY(-2px); }
.button-primary { color: var(--white); background: var(--navy-900); box-shadow: 0 10px 30px rgba(11,36,61,.18); }
.button-primary:hover { background: var(--navy-800); }
.button-secondary { color: var(--navy-900); background: var(--white); border: 1px solid var(--line); }
.microcopy { color: #718391; font-size: .8rem; }

.hero-card { position: relative; z-index: 1; padding: 32px; color: var(--white); background: var(--navy-900); border-radius: 30px; box-shadow: var(--shadow); overflow: hidden; }
.hero-card::after { content:""; position:absolute; right:-90px; top:-110px; width:250px; height:250px; border:1px solid rgba(255,255,255,.12); border-radius:50%; box-shadow: 0 0 0 38px rgba(255,255,255,.025), 0 0 0 76px rgba(255,255,255,.02); }
.card-kicker { color: #a8dcd6; font-size: .78rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; }
.metric { display: flex; align-items: end; justify-content: space-between; gap: 20px; margin: 42px 0 28px; padding-bottom: 28px; border-bottom: 1px solid rgba(255,255,255,.12); }
.metric span, .metric-grid span { display: block; color: #b9c9d6; font-size: .82rem; }
.metric strong { color: var(--amber-400); font-size: 2.4rem; letter-spacing: -.05em; }
.metric-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; }
.metric-grid strong { display: block; margin-top: 5px; font-size: 1.08rem; }
.route-line { display: flex; align-items: center; gap: 0; margin: 32px 0 22px; }
.route-line i { display:block; width: 11px; height:11px; border:3px solid var(--teal-500); border-radius:50%; }
.route-line i:nth-child(2) { width: calc(100% - 22px); height: 3px; border:0; border-radius:0; background: linear-gradient(90deg,var(--teal-500),var(--amber-400)); }
.route-line i:last-child { border-color:var(--amber-400); }
.hero-card p { margin-bottom: 0; color: #c7d4df; font-size: .92rem; }

.notice { display: flex; gap: 14px; max-width: 1144px; margin: 0 auto 90px; padding: 18px 22px; color: #6c4a08; background: #fff7e7; border: 1px solid #f3d89f; border-radius: 15px; font-size: .9rem; }
.notice strong { white-space: nowrap; }

.audience, .knowledge-hub { max-width:1200px; margin:0 auto; padding:90px 28px; }
.audience .section-heading, .knowledge-hub .section-heading { max-width:820px; }
.audience-grid { display:grid; grid-template-columns:repeat(4,1fr); gap:15px; margin:35px 0 28px; }
.audience-grid article { padding:24px; background:var(--white); border:1px solid var(--line); border-radius:18px; }
.audience-grid strong { display:block; margin-bottom:8px; color:var(--navy-900); }
.audience-grid p { margin:0; color:var(--muted); font-size:.86rem; }
.knowledge-hub { padding-top:30px; }
.knowledge-grid { display:grid; grid-template-columns:repeat(2,1fr); gap:15px; }
.knowledge-grid a { display:block; padding:26px; text-decoration:none; background:var(--white); border:1px solid var(--line); border-radius:18px; transition:transform .18s ease,border-color .18s ease,box-shadow .18s ease; }
.knowledge-grid a:hover { transform:translateY(-3px); border-color:#a8dcd6; box-shadow:0 14px 35px rgba(7,26,44,.08); }
.knowledge-grid span { display:block; margin-bottom:14px; color:#147f74; font-size:.73rem; font-weight:850; letter-spacing:.1em; text-transform:uppercase; }
.knowledge-grid strong { display:block; margin-bottom:8px; color:var(--navy-950); font-size:1.18rem; }
.knowledge-grid p { margin:0; color:var(--muted); font-size:.86rem; }

.calculator-section { padding: 96px 28px; background: var(--white); }
.section-heading { max-width: 700px; margin: 0 auto 46px; text-align: center; }
.section-heading .eyebrow { margin-top: 0; }
h2 { margin-bottom: 15px; color: var(--navy-950); font-size: clamp(2.2rem, 4.5vw, 3.7rem); line-height: 1.05; letter-spacing: -.05em; }
.section-heading > p:last-child { color: var(--muted); }
.calculator-shell { display: grid; grid-template-columns: 1fr 1fr; max-width: 1080px; margin: 0 auto; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); overflow: hidden; }
.calculator-form, .result-panel { padding: clamp(25px, 4vw, 46px); }
.calculator-form { background: #fbfdfe; }
fieldset { margin: 0 0 28px; padding: 0; border: 0; }
legend, .field > span { display: block; margin-bottom: 11px; color: var(--navy-900); font-size: .9rem; font-weight: 800; }
.choice-row { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.choice { position: relative; }
.choice input { position: absolute; opacity: 0; }
.choice span { display: block; min-height: 90px; padding: 15px; border: 1px solid var(--line); border-radius: 13px; cursor: pointer; transition: .18s ease; }
.choice b, .choice small { display: block; }
.choice small { margin-top: 5px; color: var(--muted); font-size: .74rem; line-height: 1.35; }
.choice input:checked + span { border-color: var(--teal-500); background: var(--teal-100); box-shadow: inset 0 0 0 1px var(--teal-500); }
.field { display: block; margin-bottom: 24px; }
.field > small { display: block; margin-top: 7px; color: var(--muted); font-size: .75rem; }
.money-input { display: flex; align-items: center; border: 1px solid var(--line); border-radius: 13px; background: var(--white); overflow: hidden; }
.money-input:focus-within { border-color: var(--teal-500); box-shadow: 0 0 0 3px rgba(21,184,166,.12); }
.money-input input { width: 100%; padding: 15px 16px; border: 0; outline: 0; color: var(--navy-900); background: transparent; font-weight: 750; }
.money-input span { padding-right: 16px; color: var(--muted); font-size: .85rem; font-weight: 700; }
.full-width { width: 100%; margin-top: 3px; }
.result-panel { display: flex; flex-direction: column; color: var(--white); background: var(--navy-900); }
.result-heading { padding-bottom: 28px; border-bottom: 1px solid rgba(255,255,255,.13); }
.result-heading span { display: block; color: #b9c9d6; }
.result-label { font-size: .8rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.result-heading strong { display: block; margin: 9px 0 3px; color: var(--amber-400); font-size: clamp(2rem, 4vw, 3rem); line-height: 1; letter-spacing: -.05em; }
#effective-rate { font-size: .84rem; }
.result-breakdown { display: grid; gap: 15px; padding: 27px 0; border-bottom: 1px solid rgba(255,255,255,.13); }
.result-breakdown div, .limit-block > div:first-child { display: flex; justify-content: space-between; gap: 16px; }
.result-breakdown span, .limit-block span { color: #b9c9d6; font-size: .82rem; }
.result-breakdown b, .limit-block b { font-size: .88rem; }
.limit-block { padding: 26px 0; }
.progress { height: 8px; margin-top: 12px; background: rgba(255,255,255,.12); border-radius: 999px; overflow: hidden; }
.progress i { display: block; width: 54%; height: 100%; background: linear-gradient(90deg,var(--teal-500),var(--amber-400)); border-radius: inherit; transition: width .35s ease; }
.result-message { margin-top: auto; padding: 16px; border-radius: 13px; }
.result-message b, .result-message span { display: block; }
.result-message span { margin-top: 4px; font-size: .78rem; opacity: .83; }
.result-ok { color: #d9f7f2; background: rgba(21,184,166,.16); border: 1px solid rgba(21,184,166,.35); }
.result-warning { color: #fff0cf; background: rgba(245,182,66,.13); border: 1px solid rgba(245,182,66,.35); }
.result-footnote { margin: 18px 0 0; color: #93a8b9; font-size: .71rem; }

.newsletter { display:grid; grid-template-columns:.9fr 1.1fr; gap:70px; align-items:center; max-width:1144px; margin:110px auto 20px; padding:54px; color:var(--white); background:linear-gradient(135deg,var(--navy-950),var(--navy-800)); border-radius:28px; box-shadow:var(--shadow); }
.newsletter h2 { color:var(--white); }
.newsletter-copy > p:not(.eyebrow), .newsletter-copy li { color:#bdccd8; }
.newsletter-copy ul { margin:24px 0 0; padding-left:20px; }
.newsletter-card { padding:28px; color:var(--ink); background:var(--white); border-radius:20px; min-height:260px; }
.brevo-form { display:block; width:100%; }
.newsletter-honeypot { position:absolute !important; left:-9999px !important; width:1px !important; height:1px !important; opacity:0 !important; }
.newsletter-loading { display:grid; place-items:center; min-height:200px; color:var(--muted); }
.newsletter-field { margin-bottom:18px; }
.newsletter-field label { display:block; margin-bottom:8px; color:var(--navy-900); font-size:.9rem; font-weight:800; }
.newsletter-field input { width:100%; padding:14px 15px; border:1px solid var(--line); border-radius:12px; outline:0; }
.newsletter-field input:focus { border-color:var(--teal-500); box-shadow:0 0 0 3px rgba(21,184,166,.12); }
.newsletter-consent { margin:18px 0; }
.newsletter-consent label { display:flex; gap:10px; align-items:flex-start; color:var(--muted); font-size:.78rem; cursor:pointer; }
.newsletter-consent input { width:18px; height:18px; margin-top:2px; accent-color:var(--teal-500); flex:0 0 auto; }
.newsletter-error { min-height:18px; margin:5px 0 0; color:#a83232; font-size:.74rem; }
.newsletter-form-error { min-height:0; margin:0 0 10px; }
.newsletter-privacy { margin:13px 0 0; color:var(--muted); font-size:.7rem; text-align:center; }
.newsletter-privacy a { color:#147f74; }
.newsletter-success { display:grid; place-items:center; min-height:205px; text-align:center; }
.newsletter-success > span { display:grid; place-items:center; width:48px; height:48px; color:#0a675d; background:var(--teal-100); border-radius:50%; font-size:1.35rem; font-weight:900; }
.newsletter-success h3 { margin:16px 0 7px; font-size:1.25rem; }
.newsletter-success p { max-width:420px; margin:0; color:var(--muted); }

.changes { max-width: 1200px; margin: 0 auto; padding: 110px 28px; }
.section-heading.left { margin-left: 0; text-align: left; }
.change-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 15px; }
.change-grid article { padding: 25px; background: var(--white); border: 1px solid var(--line); border-radius: 18px; }
.change-grid article > span { display: inline-grid; place-items:center; width: 34px; height:34px; margin-bottom: 28px; color:#127e73; background:var(--teal-100); border-radius:50%; font-size:.75rem; font-weight:850; }
.change-grid h3 { margin-bottom: 9px; font-size: 1.05rem; }
.change-grid p { margin-bottom: 0; color: var(--muted); font-size: .85rem; }

.sources { display: grid; grid-template-columns: 1fr .8fr; gap: 70px; align-items: center; max-width: 1144px; margin: 0 auto 110px; padding: 50px; color:var(--white); background:var(--navy-950); border-radius:28px; }
.sources h2 { color:var(--white); }
.sources p:last-child { margin-bottom:0; color:#adbfcd; }
.source-links { display:grid; gap:10px; }
.source-links a { display:flex; justify-content:space-between; padding:17px 18px; text-decoration:none; background:rgba(255,255,255,.07); border:1px solid rgba(255,255,255,.13); border-radius:12px; font-size:.9rem; font-weight:750; }
.source-links a:hover { background:rgba(255,255,255,.11); }
.source-links span { color:var(--teal-500); }

footer { display:grid; grid-template-columns: auto 1fr auto; gap:32px; align-items:center; max-width:1200px; margin:0 auto; padding:34px 28px 48px; color:var(--muted); font-size:.76rem; }
footer p { margin:0; }
footer a { color:inherit; }
.footer-brand { color:var(--ink); }

.legal-main { max-width:900px; margin:0 auto; padding:72px 28px 110px; }
.legal-hero { margin-bottom:44px; padding:38px; color:var(--white); background:linear-gradient(135deg,var(--navy-950),var(--navy-800)); border-radius:28px; box-shadow:var(--shadow); }
.legal-hero h1 { max-width:none; margin:0 0 14px; color:var(--white); font-size:clamp(2.35rem,6vw,4.5rem); }
.legal-hero p { max-width:700px; margin:0; color:#bdccd8; }
.legal-card { margin-bottom:18px; padding:28px 30px; background:var(--white); border:1px solid var(--line); border-radius:18px; }
.legal-card h2 { margin-bottom:16px; font-size:1.45rem; letter-spacing:-.02em; }
.legal-card h3 { margin:24px 0 10px; font-size:1rem; }
.legal-card p, .legal-card li { color:var(--muted); line-height:1.7; }
.legal-card ul { padding-left:22px; }
.legal-card a { color:#147f74; }
.legal-meta { display:flex; flex-wrap:wrap; gap:8px 18px; margin-top:22px; color:#a9bdcb; font-size:.78rem; }
.legal-table { width:100%; border-collapse:collapse; font-size:.9rem; }
.legal-table th, .legal-table td { padding:12px 10px; border-bottom:1px solid var(--line); text-align:left; vertical-align:top; }
.legal-table th { width:34%; color:var(--navy-900); }

.article-main { max-width:1144px; margin:0 auto; padding:64px 28px 110px; }
.article-hero { display:grid; grid-template-columns:minmax(0,1fr) 300px; gap:60px; align-items:end; margin-bottom:36px; padding:48px; color:var(--white); background:linear-gradient(135deg,var(--navy-950),var(--navy-800)); border-radius:30px; box-shadow:var(--shadow); }
.article-hero h1 { max-width:800px; margin-bottom:18px; color:var(--white); font-size:clamp(2.6rem,6vw,5rem); }
.article-hero .lead { margin-bottom:0; color:#bdccd8; }
.article-meta { display:grid; gap:12px; padding:20px; background:rgba(255,255,255,.07); border:1px solid rgba(255,255,255,.12); border-radius:17px; font-size:.78rem; }
.article-meta span { color:#a8bdcc; }
.article-meta strong { display:block; margin-top:2px; color:var(--white); }
.article-layout { display:grid; grid-template-columns:240px minmax(0,1fr); gap:48px; align-items:start; }
.article-toc { position:sticky; top:92px; padding:20px; background:var(--white); border:1px solid var(--line); border-radius:16px; }
.article-toc strong { display:block; margin-bottom:12px; font-size:.85rem; }
.article-toc a { display:block; padding:7px 0; color:var(--muted); font-size:.78rem; text-decoration:none; }
.article-toc a:hover { color:#147f74; }
.article-content { min-width:0; }
.article-content section { margin-bottom:18px; padding:30px 32px; background:var(--white); border:1px solid var(--line); border-radius:19px; }
.article-content h2 { margin-bottom:17px; font-size:clamp(1.7rem,3vw,2.35rem); letter-spacing:-.035em; }
.article-content h3 { margin:24px 0 9px; color:var(--navy-900); font-size:1.08rem; }
.article-content p, .article-content li { color:var(--muted); line-height:1.72; }
.article-content ul, .article-content ol { padding-left:22px; }
.article-content a { color:#147f74; }
.answer-box { padding:20px 22px; color:#174d47; background:var(--teal-100); border-left:4px solid var(--teal-500); border-radius:12px; }
.answer-box strong { display:block; margin-bottom:5px; color:#0a675d; }
.warning-box { padding:20px 22px; color:#6c4a08; background:#fff7e7; border-left:4px solid var(--amber-400); border-radius:12px; }
.comparison-table { width:100%; border-collapse:collapse; font-size:.88rem; }
.comparison-table th, .comparison-table td { padding:13px 12px; border-bottom:1px solid var(--line); text-align:left; vertical-align:top; }
.comparison-table th { color:var(--navy-900); background:#f4f8fa; }
.faq-list details { margin-bottom:10px; padding:18px 20px; background:var(--white); border:1px solid var(--line); border-radius:14px; }
.faq-list summary { color:var(--navy-900); font-weight:800; cursor:pointer; }
.faq-list details p { margin:12px 0 0; }
.article-cta { padding:32px !important; color:var(--white); background:var(--navy-900) !important; }
.article-cta h2 { color:var(--white); }
.article-cta p { color:#bdccd8; }
.breadcrumb { display:flex; flex-wrap:wrap; gap:7px; margin-bottom:18px; color:#7690a2; font-size:.76rem; }
.breadcrumb a { color:inherit; }

@media (max-width:560px) {
  .legal-main { padding:38px 18px 80px; }
  .legal-hero, .legal-card { padding:25px 22px; }
  .legal-table, .legal-table tbody, .legal-table tr, .legal-table th, .legal-table td { display:block; }
  .legal-table th { width:auto; padding-bottom:2px; border-bottom:0; }
  .legal-table td { padding-top:2px; }
}

@media (max-width: 860px) {
  .site-header nav { display:none; }
  .hero { grid-template-columns:1fr; gap:45px; padding-top:60px; }
  .hero-card { max-width:620px; }
  .notice { margin:0 20px 60px; }
  .calculator-shell, .sources, .newsletter { grid-template-columns:1fr; }
  .newsletter { margin:80px 20px 10px; padding:36px; gap:28px; }
  .change-grid { grid-template-columns:1fr 1fr; }
  .audience-grid { grid-template-columns:1fr 1fr; }
  .article-hero, .article-layout { grid-template-columns:1fr; }
  .article-toc { position:static; }
  footer { grid-template-columns:1fr; text-align:center; justify-items:center; }
}

@media (max-width: 560px) {
  .site-header { padding:12px 18px; }
  .hero { min-height:0; padding:44px 20px 68px; }
  h1 { font-size:3.25rem; }
  .hero-actions .button { width:100%; }
  .notice { flex-direction:column; }
  .calculator-section { padding:70px 18px; }
  .choice-row, .metric-grid, .change-grid { grid-template-columns:1fr; }
  .audience-grid, .knowledge-grid { grid-template-columns:1fr; }
  .audience, .knowledge-hub { padding-left:18px; padding-right:18px; }
  .article-main { padding:36px 18px 80px; }
  .article-hero { padding:30px 24px; gap:28px; }
  .article-content section { padding:24px 22px; }
  .comparison-table, .comparison-table tbody, .comparison-table tr, .comparison-table th, .comparison-table td { display:block; }
  .comparison-table th { border-bottom:0; }
  .choice span { min-height:0; }
  .changes { padding:80px 18px; }
  .sources { margin:0 18px 80px; padding:30px 24px; gap:30px; }
  .newsletter { margin:70px 18px 0; padding:28px 22px; }
  .newsletter-card { padding:22px; }
}

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