:root{
  --ink:#102033;
  --ink-2:#405064;
  --paper:#fbfaf7;
  --card:#ffffff;
  --line:#e5e8eb;
  --accent:#176b5b;
  --accent-2:#d8efe9;
  --warm:#f0b56a;
  --danger:#a84343;
  --shadow:0 18px 50px rgba(16,32,51,.08);
  --radius:22px;
  --max:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:Inter, ui-sans-serif, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color:var(--ink);
  background:var(--paper);
  line-height:1.55;
}
a{color:inherit;text-decoration:none}
img{max-width:100%}
.container{width:min(var(--max),calc(100% - 36px));margin:auto}
.topbar{
  background:var(--ink);color:white;font-size:.9rem;text-align:center;padding:9px 18px
}
.site-header{
  position:sticky;top:0;z-index:20;background:rgba(251,250,247,.94);
  border-bottom:1px solid rgba(229,232,235,.9);backdrop-filter:blur(12px)
}
.nav{display:flex;align-items:center;justify-content:space-between;min-height:74px;gap:24px}
.brand{display:flex;align-items:center;gap:10px;font-weight:850;font-size:1.18rem;letter-spacing:-.03em}
.brandmark{
  width:36px;height:36px;border-radius:11px;background:var(--ink);display:grid;place-items:center;color:#fff;font-weight:900
}
.navlinks{display:flex;align-items:center;gap:22px;color:var(--ink-2);font-size:.96rem;font-weight:650}
.navlinks a:hover{color:var(--ink)}
.navcta,.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;border-radius:999px;
  background:var(--accent);color:white;padding:13px 20px;font-weight:750;border:1px solid var(--accent);
  cursor:pointer;transition:.2s ease;font:inherit
}
.navcta:hover,.btn:hover{transform:translateY(-1px);filter:brightness(.96)}
.btn.secondary{background:white;color:var(--ink);border-color:var(--line)}
.btn.dark{background:var(--ink);border-color:var(--ink)}
.btn.full{width:100%;border-radius:14px}
.hero{padding:76px 0 54px}
.eyebrow{
  display:inline-flex;align-items:center;gap:7px;border-radius:999px;background:var(--accent-2);
  color:var(--accent);font-weight:800;font-size:.82rem;padding:8px 12px;text-transform:uppercase;letter-spacing:.05em
}
.hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:56px;align-items:center}
h1,h2,h3{line-height:1.08;margin:0;letter-spacing:-.04em}
h1{font-size:clamp(2.9rem,7vw,5.7rem);max-width:850px}
.hero h1{margin-top:18px}
.lead{font-size:1.17rem;color:var(--ink-2);max-width:700px;margin:22px 0 28px}
.trustrow{display:flex;gap:20px;flex-wrap:wrap;color:var(--ink-2);font-size:.92rem;margin-top:19px}
.trustrow span:before{content:"✓";color:var(--accent);font-weight:900;margin-right:7px}
.hero-card,.calc-shell,.result-card,.card{
  background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow)
}
.hero-card{padding:26px}
.hero-card h2{font-size:1.45rem;margin-bottom:6px}
.muted{color:var(--ink-2)}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.field{display:flex;flex-direction:column;gap:7px}
.field.full{grid-column:1/-1}
label{font-weight:720;font-size:.9rem}
input,select,textarea{
  width:100%;padding:14px 14px;border:1px solid #ccd3d9;border-radius:12px;background:white;
  font:inherit;color:var(--ink);outline:none
}
input:focus,select:focus,textarea:focus{border-color:var(--accent);box-shadow:0 0 0 3px rgba(23,107,91,.11)}
.hero-actions{margin-top:15px;display:flex;gap:11px}
.micro{font-size:.79rem;color:#6a7784;margin-top:10px}
.section{padding:70px 0}
.section.alt{background:#f2f2ed;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.section-head{display:flex;align-items:end;justify-content:space-between;gap:30px;margin-bottom:28px}
.section-head h2{font-size:clamp(2rem,4vw,3.2rem);max-width:760px}
.section-head p{max-width:570px;color:var(--ink-2);margin:0}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:17px}
.card{padding:22px;box-shadow:none;transition:.2s ease}
.card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.card-icon{width:44px;height:44px;display:grid;place-items:center;border-radius:13px;background:var(--accent-2);font-size:1.3rem;margin-bottom:20px}
.card h3{font-size:1.23rem;margin-bottom:8px}
.card p{color:var(--ink-2);margin:0 0 18px}
.card-link{color:var(--accent);font-weight:800}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:20px;overflow:hidden;margin-top:35px}
.stat{background:white;padding:26px;text-align:center}
.stat strong{font-size:1.55rem;display:block}
.stat span{color:var(--ink-2);font-size:.85rem}
.split{display:grid;grid-template-columns:.9fr 1.1fr;gap:45px;align-items:center}
.feature-list{display:grid;gap:13px;margin-top:25px}
.feature{display:flex;gap:13px;align-items:flex-start}
.feature b{display:block;margin-bottom:2px}
.tick{min-width:30px;height:30px;display:grid;place-items:center;background:var(--accent-2);color:var(--accent);border-radius:50%;font-weight:900}
.quote-box{background:var(--ink);color:white;padding:34px;border-radius:28px}
.quote-box h3{font-size:2rem}
.quote-box p{color:#cfd7df}
.quote-result{background:#182b40;border:1px solid rgba(255,255,255,.12);border-radius:16px;padding:18px;margin:18px 0}
.quote-result .big{font-size:2.2rem;font-weight:900;letter-spacing:-.04em}
.kicker{color:var(--warm);font-weight:800;font-size:.85rem;text-transform:uppercase;letter-spacing:.07em}
.article-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.article{background:white;border:1px solid var(--line);border-radius:20px;overflow:hidden}
.article-cover{height:155px;background:linear-gradient(135deg,#dceae5,#f2d7b6);padding:22px;display:flex;align-items:flex-end;font-size:.78rem;font-weight:800;text-transform:uppercase;letter-spacing:.05em}
.article-body{padding:20px}
.article-body h3{font-size:1.25rem;margin-bottom:10px}
.article-body p{color:var(--ink-2);margin:0 0 14px}
.cta-band{background:var(--accent);color:white;border-radius:30px;padding:44px;display:flex;justify-content:space-between;gap:30px;align-items:center}
.cta-band h2{font-size:clamp(2rem,4vw,3.4rem);max-width:680px}
.cta-band .btn{background:white;color:var(--accent);border-color:white;white-space:nowrap}
.footer{padding:55px 0 30px;background:var(--ink);color:white;margin-top:60px}
.footer-grid{display:grid;grid-template-columns:2fr repeat(3,1fr);gap:35px}
.footer p,.footer a{color:#bfc9d3}
.footer a{display:block;margin:8px 0}
.footer h4{margin:0 0 14px}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:38px;padding-top:22px;color:#9faebb;font-size:.84rem}
.page-hero{padding:60px 0 35px}
.page-hero h1{font-size:clamp(2.6rem,6vw,4.8rem);max-width:900px}
.breadcrumb{font-size:.86rem;color:var(--ink-2);margin-bottom:18px}
.calc-layout{display:grid;grid-template-columns:1.02fr .98fr;gap:25px;align-items:start}
.calc-shell{padding:26px;box-shadow:none}
.calc-shell h2{font-size:1.55rem;margin-bottom:8px}
.result-card{padding:27px;position:sticky;top:98px;background:var(--ink);color:white}
.result-card p{color:#cbd5df}
.result-big{font-size:clamp(2.4rem,6vw,4.2rem);font-weight:900;letter-spacing:-.055em;margin:12px 0}
.result-range{font-size:1.15rem;color:#d8efe9}
.breakdown{margin-top:24px;border-top:1px solid rgba(255,255,255,.13);padding-top:15px}
.row{display:flex;justify-content:space-between;gap:15px;padding:9px 0;border-bottom:1px solid rgba(255,255,255,.08)}
.row span{color:#cbd5df}
.row strong{text-align:right}
.notice{border:1px solid #ead7b8;background:#fff7e8;border-radius:15px;padding:15px;color:#6e5938;font-size:.88rem;margin-top:18px}
.info-copy{max-width:800px}
.info-copy h2{font-size:2rem;margin:38px 0 12px}
.info-copy h3{font-size:1.35rem;margin:26px 0 9px}
.info-copy p,.info-copy li{color:var(--ink-2)}
.table-wrap{overflow:auto;border:1px solid var(--line);border-radius:16px;background:white}
table{border-collapse:collapse;width:100%;min-width:620px}
th,td{padding:14px 16px;text-align:left;border-bottom:1px solid var(--line)}
th{background:#f4f6f5}
.badge{display:inline-block;background:#edf4f1;color:var(--accent);font-weight:750;padding:5px 9px;border-radius:999px;font-size:.76rem}
.menu-btn{display:none;border:0;background:transparent;font-size:1.4rem}
.mobile-menu{display:none}
@media(max-width:900px){
  .navlinks,.nav .navcta{display:none}.menu-btn{display:block}
  .mobile-menu.open{display:grid;padding:12px 0 18px;gap:10px}
  .mobile-menu a{padding:9px 0;color:var(--ink-2);font-weight:650}
  .hero-grid,.split,.calc-layout{grid-template-columns:1fr}
  .hero{padding-top:50px}.hero-card{margin-top:5px}
  .grid,.article-grid{grid-template-columns:repeat(2,1fr)}
  .stats{grid-template-columns:repeat(2,1fr)}
  .result-card{position:static}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:600px){
  .container{width:min(100% - 24px,var(--max))}
  .hero{padding:42px 0}.section{padding:52px 0}
  h1{font-size:2.75rem}
  .form-grid,.grid,.article-grid{grid-template-columns:1fr}
  .field.full{grid-column:auto}
  .stats{grid-template-columns:1fr 1fr}
  .section-head,.cta-band{align-items:flex-start;flex-direction:column}
  .cta-band{padding:30px 24px}
  .footer-grid{grid-template-columns:1fr}
}

/* Email report capture */
.report-capture{margin-top:22px;padding:22px;border:1px solid var(--line);border-radius:18px;background:linear-gradient(180deg,#f5faf8 0%,#ffffff 100%)}
.report-capture h3{font-size:1.35rem;margin:7px 0 6px}
.report-capture>p{margin:0 0 16px;color:var(--ink-2)}
.report-badge{display:inline-flex;align-items:center;border-radius:999px;padding:6px 9px;background:var(--accent-2);color:var(--accent);font-size:.72rem;font-weight:850;letter-spacing:.06em}
.report-email-label{display:block;margin-bottom:7px}
.report-email-row{display:grid;grid-template-columns:1fr auto;gap:9px}
.report-email-row button{border:1px solid var(--accent);background:var(--accent);color:white;border-radius:12px;padding:0 18px;font:inherit;font-weight:800;cursor:pointer}
.report-email-row button:disabled{opacity:.65;cursor:wait}
.report-consent{display:flex;align-items:flex-start;gap:9px;margin-top:13px;color:var(--ink-2);font-weight:500;font-size:.84rem}
.report-consent input{width:auto;margin-top:3px}
.report-privacy{display:block;color:#718091;margin-top:10px;line-height:1.5}
.report-privacy a{text-decoration:underline}
.report-status{min-height:22px;margin-top:10px;font-size:.88rem;font-weight:700}
.report-status.success{color:var(--accent)}
.report-status.error{color:var(--danger)}
.report-honeypot{position:absolute!important;left:-9999px!important;width:1px!important;height:1px!important;opacity:0!important}
@media(max-width:600px){.report-email-row{grid-template-columns:1fr}.report-email-row button{padding:13px 16px}}


/* AdSense article placements */
.hce-ad-slot{
  width:100%;
  margin:34px 0;
  padding:12px 0 6px;
  border-top:1px solid var(--line);
  border-bottom:1px solid var(--line);
  text-align:center;
  overflow:hidden;
}
.hce-ad-label{
  margin-bottom:8px;
  color:#7a8794;
  font-size:.68rem;
  font-weight:700;
  letter-spacing:.08em;
  text-transform:uppercase;
}
.hce-ad-slot .adsbygoogle{
  width:100%;
  min-height:110px;
}
@media(min-width:900px){
  .hce-ad-slot .adsbygoogle{min-height:180px}
}
@media(max-width:600px){
  .hce-ad-slot{margin:26px 0;padding-top:10px}
  .hce-ad-slot .adsbygoogle{min-height:100px}
}