:root{--text:#182230;--muted:#667085;--border:#e4e7ec;--surface:#fff;--bg:#f7f9fc;--primary:#2856d7;--primary-dark:#1d43b3;--soft:#eef3ff;--success:#087443}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;color:var(--text);background:var(--bg);line-height:1.7}a{color:var(--primary);text-decoration:none}a:hover{text-decoration:underline}.container{width:min(1120px,calc(100% - 30px));margin:auto}.skip-link{position:absolute;left:-9999px}.skip-link:focus{left:12px;top:12px;background:#fff;padding:8px;z-index:100}
.site-header{background:#fff;border-bottom:1px solid var(--border);position:sticky;top:0;z-index:20}.nav{min-height:70px;display:flex;align-items:center;justify-content:space-between;gap:24px}.logo{font-size:23px;font-weight:850;color:var(--text);text-decoration:none}.logo span{color:var(--primary)}nav{display:flex;gap:22px}nav a{font-weight:650;color:var(--text)}.menu-toggle{display:none;border:0;background:transparent;font-size:24px}
.breadcrumbs{padding-top:18px;font-size:13px;color:var(--muted)}.breadcrumbs span{margin:0 6px}.hero{margin:25px 0 12px;padding:58px 28px;background:linear-gradient(180deg,#fff,#f3f6ff);border:1px solid var(--border);border-radius:24px;text-align:center}.eyebrow{font-size:12px;font-weight:800;letter-spacing:.1em;color:var(--primary)}.hero h1{font-size:clamp(32px,5vw,54px);line-height:1.1;margin:12px 0}.hero p{max-width:760px;margin:0 auto 24px;color:var(--muted);font-size:18px}.btn,.primary{display:inline-block;background:var(--primary);color:#fff;border:0;border-radius:10px;padding:12px 19px;font-weight:750;cursor:pointer}.btn:hover,.primary:hover{background:var(--primary-dark);text-decoration:none}
.section{padding:38px 0}.section-heading h2{font-size:30px;margin:0 0 5px}.section-heading p{margin:0;color:var(--muted)}.calculator-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:#fff;border:1px solid var(--border);border-radius:16px;padding:23px;box-shadow:0 2px 10px rgba(16,24,40,.03)}.card h3{margin:7px 0;font-size:20px}.card p{color:var(--muted);min-height:54px}.tag{display:inline-block;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.06em;color:var(--primary);background:var(--soft);padding:3px 8px;border-radius:20px}
.info-section,.page,.calculator-box{background:#fff;border:1px solid var(--border);border-radius:18px;padding:30px}.info-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:25px}.info-grid p{color:var(--muted)}.page{max-width:900px;margin:28px auto 50px}.page h1{line-height:1.2}.page h2{margin-top:30px}.page h3{margin-top:22px}.page p,.page li{color:#475467}.calculator-box{margin:20px 0}.form-group{margin-bottom:16px}label{display:block;font-weight:700;margin-bottom:6px}input,select{width:100%;padding:12px;border:1px solid #cfd4dc;border-radius:9px;font:inherit;background:#fff}.result{margin-top:22px;padding:20px;background:var(--soft);border:1px solid #dbe5ff;border-radius:13px}.result strong{font-size:21px;color:#172554}.result-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}.metric{background:#fff;border:1px solid var(--border);border-radius:10px;padding:14px}.metric small{display:block;color:var(--muted)}.metric strong{display:block;margin-top:3px}.ad-slot{border:1px dashed #cbd5e1;background:#fafbfc;color:#94a3b8;min-height:100px;display:flex;align-items:center;justify-content:center;text-align:center;margin:24px 0;border-radius:10px;font-size:13px}.related{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}.related a{background:#f8fafc;border:1px solid var(--border);padding:13px;border-radius:10px;font-weight:650}.faq details{border-bottom:1px solid var(--border);padding:15px 0}.faq summary{cursor:pointer;font-weight:750}.note{border-left:4px solid var(--primary);padding:12px 16px;background:#f8faff}.site-footer{background:#101828;color:#d0d5dd;padding:42px 0 22px}.footer-grid{display:flex;justify-content:space-between;gap:30px}.footer-grid p{color:#98a2b3}.footer-links{display:flex;gap:15px;flex-wrap:wrap;align-content:flex-start}.footer-links a{color:#fff}.copyright{border-top:1px solid #344054;margin-top:25px;padding-top:15px;font-size:13px;color:#98a2b3}
@media(max-width:800px){.calculator-grid,.info-grid,.related{grid-template-columns:1fr 1fr}.result-grid{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.container{width:min(100% - 22px,1120px)}.menu-toggle{display:block}nav{display:none;position:absolute;left:0;right:0;top:70px;background:#fff;border-bottom:1px solid var(--border);padding:12px 16px;flex-direction:column}nav.open{display:flex}.hero{padding:40px 18px}.calculator-grid,.info-grid,.related,.result-grid{grid-template-columns:1fr}.page,.calculator-box{padding:21px}}

.prose{max-width:900px}.muted{color:var(--muted)}.last-updated{font-size:13px;color:var(--muted)}.checklist li{margin-bottom:8px}.source-list li{margin-bottom:10px}

.editorial-note{padding:26px 0 8px}
.editorial-card{background:#fff;border:1px solid var(--border);border-radius:16px;padding:22px 26px;box-shadow:0 2px 10px rgba(16,24,40,.03)}
.editorial-card strong{display:block;font-size:17px;color:var(--text);margin-bottom:8px}
.editorial-card p{margin:7px 0;color:#667085;font-size:14px;line-height:1.7}
.editorial-card a{font-weight:650}
@media(max-width:600px){.editorial-note{padding:18px 0 4px}.editorial-card{padding:18px}.editorial-card p{font-size:13px}}


/* Final layout normalization */
html { font-size: 16px; }
body {
  margin: 0;
  font-size: 16px;
  line-height: 1.65;
  zoom: 1;
}
img, svg { max-width: 100%; height: auto; }
.container {
  width: min(1120px, calc(100% - 32px));
  margin-left: auto;
  margin-right: auto;
}
.site-header, .site-footer { width: 100%; }
.page, .card, .calculator-card, .editorial-card {
  box-sizing: border-box;
}
@media (max-width: 768px) {
  .container { width: min(100% - 24px, 680px); }
  body { font-size: 16px; }
}


/* ===== Final editorial section polish ===== */
.editorial-note {
  width: min(1120px, calc(100% - 32px));
  margin: 36px auto 42px;
}
.editorial-card {
  box-sizing: border-box;
  background: #fff;
  border: 1px solid #dfe5ee;
  border-radius: 14px;
  padding: 28px 30px;
  box-shadow: 0 8px 24px rgba(15, 23, 42, 0.06);
}
.editorial-card strong {
  display: block;
  margin-bottom: 12px;
  font-size: 1.08rem;
  line-height: 1.35;
  color: #0f172a;
}
.editorial-card p {
  margin: 0 0 12px;
  color: #475569;
  line-height: 1.7;
}
.editorial-card p:last-child {
  margin-bottom: 0;
}
.editorial-card a {
  color: #2563eb;
  text-decoration: none;
  font-weight: 600;
}
.editorial-card a:hover,
.editorial-card a:focus {
  text-decoration: underline;
}
@media (max-width: 768px) {
  .editorial-note {
    width: min(100% - 24px, 680px);
    margin: 28px auto 34px;
  }
  .editorial-card {
    padding: 22px 20px;
    border-radius: 12px;
  }
}


/* Final content and navigation polish */
.contact-card {
  margin: 18px 0 26px;
  padding: 20px 22px;
  border: 1px solid #dfe5ee;
  border-radius: 12px;
  background: #fff;
}
.contact-card p:last-child { margin-bottom: 0; }
.contact-card a { font-weight: 600; text-decoration: none; }
.related-section {
  margin: 32px 0 18px;
}
.related-section > p {
  margin-top: -6px;
  color: #64748b;
}
.related-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px;
  margin-top: 18px;
}
.related-link {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  min-height: 54px;
  box-sizing: border-box;
  padding: 13px 15px;
  border: 1px solid #dfe5ee;
  border-radius: 10px;
  background: #fff;
  color: #1d4ed8;
  text-decoration: none;
  font-weight: 600;
  transition: box-shadow .15s ease, transform .15s ease;
}
.related-link:hover, .related-link:focus {
  text-decoration: none;
  box-shadow: 0 6px 18px rgba(15,23,42,.08);
  transform: translateY(-1px);
}
@media (max-width: 800px) {
  .related-grid { grid-template-columns: 1fr; }
}

/* Final contact/related polish */
.contact-card{margin:22px 0 28px;padding:24px;background:#fff;border:1px solid #dfe5ee;border-radius:14px;box-shadow:0 6px 20px rgba(15,23,42,.05)}
.contact-card a{font-weight:600;text-decoration:none}
.related-section{margin:34px 0 20px}
.related-section>p{color:#64748b}
.related-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin-top:18px}
.related-link{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:54px;padding:13px 15px;border:1px solid #dfe5ee;border-radius:10px;background:#fff;text-decoration:none;font-weight:600}
.related-link:hover,.related-link:focus{box-shadow:0 6px 18px rgba(15,23,42,.08)}
@media(max-width:800px){.related-grid{grid-template-columns:1fr}.contact-card{padding:20px}}