:root {
  --bg: #f6f8fc;
  --bg-elev: #ffffff;
  --panel: #ffffff;
  --text: #0b1220;
  --text-2: #1f2a3d;
  --muted: #5b6677;
  --line: #e3e8f0;
  --line-2: #eef2f8;
  --primary: #1e40af;
  --primary-2: #2563eb;
  --primary-strong: #1d3a9e;
  --accent: #0ea5a4;
  --ok: #047857;
  --warn: #b45309;
  --danger: #b91c1c;
  --ring: rgba(37, 99, 235, 0.22);
  --shadow-sm: 0 1px 2px rgba(15, 23, 42, 0.06), 0 1px 1px rgba(15, 23, 42, 0.04);
  --shadow: 0 10px 25px -12px rgba(15, 23, 42, 0.18), 0 4px 10px -6px rgba(15, 23, 42, 0.08);
  --shadow-lg: 0 24px 50px -20px rgba(15, 23, 42, 0.25), 0 10px 20px -12px rgba(15, 23, 42, 0.12);
  --radius: 14px;
  --radius-sm: 10px;
  --radius-lg: 20px;
}

* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: "Inter", "Segoe UI", system-ui, -apple-system, "Helvetica Neue", Arial, sans-serif;
  background:
    radial-gradient(1200px 600px at 85% -10%, rgba(37, 99, 235, 0.08), transparent 60%),
    radial-gradient(900px 500px at -10% 10%, rgba(14, 165, 164, 0.07), transparent 60%),
    var(--bg);
  color: var(--text);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

a { color: var(--primary-2); }
a:hover { color: var(--primary-strong); }

.container { width: min(1160px, 92%); margin: 0 auto; }

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 30;
  background: rgba(255, 255, 255, 0.78);
  backdrop-filter: saturate(160%) blur(10px);
  -webkit-backdrop-filter: saturate(160%) blur(10px);
  border-bottom: 1px solid var(--line);
}

.nav-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 0.85rem 0;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 0.55rem;
  text-decoration: none;
  color: var(--text);
  font-weight: 800;
  font-size: 1.18rem;
  letter-spacing: -0.01em;
}
.brand-mark {
  width: 30px;
  height: 30px;
  border-radius: 9px;
  background: linear-gradient(135deg, var(--primary-2), var(--accent));
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  font-weight: 800;
  font-size: 0.9rem;
  box-shadow: 0 6px 14px -6px rgba(37, 99, 235, 0.6);
}
.brand span { color: var(--primary-2); }

.nav-links {
  display: flex;
  flex-wrap: wrap;
  gap: 0.25rem;
  align-items: center;
}
.nav-links a {
  color: var(--text-2);
  text-decoration: none;
  font-weight: 600;
  font-size: 0.95rem;
  padding: 0.5rem 0.8rem;
  border-radius: 999px;
  line-height: 1;
  transition: background-color .15s ease, color .15s ease;
}
.nav-links a:hover {
  color: var(--primary-strong);
  background: rgba(37, 99, 235, 0.08);
}
.nav-links a.active {
  color: var(--primary-strong);
  background: rgba(37, 99, 235, 0.12);
}

/* Hero */
.hero {
  padding: 3.5rem 0 1.5rem;
  position: relative;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.35fr 1fr;
  gap: 1.6rem;
  align-items: center;
}
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  color: var(--ok);
  font-weight: 700;
  font-size: 0.82rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  background: rgba(4, 120, 87, 0.08);
  border: 1px solid rgba(4, 120, 87, 0.18);
  padding: 0.28rem 0.65rem;
  border-radius: 999px;
  margin-bottom: 0.9rem;
}
h1 {
  font-size: clamp(2rem, 3.4vw, 3.1rem);
  line-height: 1.15;
  letter-spacing: -0.02em;
  margin: 0.2rem 0 0.8rem;
  color: var(--text);
}
h1 .accent {
  background: linear-gradient(120deg, var(--primary-2), var(--accent));
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}
h2 { margin-top: 0; font-size: clamp(1.25rem, 2vw, 1.7rem); letter-spacing: -0.01em; }
h3 { letter-spacing: -0.01em; }
.lead { color: var(--muted); max-width: 62ch; font-size: 1.05rem; }

.hero-actions { display: flex; flex-wrap: wrap; gap: 0.7rem; margin-top: 1.4rem; }
.trust-row {
  display: flex;
  flex-wrap: wrap;
  gap: 1.2rem;
  margin-top: 1.6rem;
  color: var(--muted);
  font-size: 0.9rem;
}
.trust-row span {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
}
.trust-row svg { color: var(--ok); }

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  border: 1px solid transparent;
  border-radius: 10px;
  padding: 0.72rem 1.1rem;
  text-decoration: none;
  font-weight: 700;
  font-size: 0.95rem;
  cursor: pointer;
  transition: transform .08s ease, background-color .15s ease, box-shadow .15s ease, border-color .15s ease;
  will-change: transform;
}
.btn:active { transform: translateY(1px); }
.btn-primary {
  background: linear-gradient(180deg, var(--primary-2), var(--primary));
  color: #fff;
  box-shadow: 0 10px 22px -10px rgba(37, 99, 235, 0.65);
}
.btn-primary:hover {
  background: linear-gradient(180deg, var(--primary), var(--primary-strong));
  color: #fff;
}
.btn-muted {
  border-color: var(--line);
  color: var(--text);
  background: #fff;
}
.btn-muted:hover { border-color: #c7d2e3; background: #fbfdff; }

/* Panels & cards */
.panel, .card, .calc-wrap, .result-card, .ad-placeholder, .table-wrap, .legal {
  background: var(--panel);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}
.panel { padding: 1.2rem; }
.small { font-size: 0.88rem; color: var(--muted); }
.section { padding: 1.6rem 0; }
.section-head {
  display: flex;
  align-items: end;
  justify-content: space-between;
  gap: 1rem;
  margin-bottom: 1rem;
}
.section-head p { color: var(--muted); margin: 0.2rem 0 0; }

.card-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1rem;
}
.card {
  padding: 1.2rem;
  transition: transform .15s ease, box-shadow .15s ease, border-color .15s ease;
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}
.card:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-lg);
  border-color: #d6deea;
}
.card-icon {
  width: 40px; height: 40px; border-radius: 10px;
  display: inline-flex; align-items: center; justify-content: center;
  background: linear-gradient(135deg, rgba(37, 99, 235, 0.12), rgba(14, 165, 164, 0.12));
  color: var(--primary);
  margin-bottom: 0.2rem;
}
.card h3 { margin: 0.2rem 0 0.1rem; }
.card p { margin: 0; color: var(--muted); }
.card a.card-link {
  margin-top: auto;
  color: var(--primary-strong);
  font-weight: 700;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
}
.card a.card-link:hover { gap: 0.55rem; }

.check-list { padding-left: 0; list-style: none; display: grid; gap: 0.5rem; }
.check-list li {
  color: var(--text-2);
  display: flex;
  align-items: flex-start;
  gap: 0.55rem;
}
.check-list li::before {
  content: "";
  flex: 0 0 auto;
  width: 18px; height: 18px;
  margin-top: 4px;
  border-radius: 50%;
  background:
    radial-gradient(circle at 30% 30%, #34d399, #059669 70%);
  box-shadow: inset 0 0 0 2px rgba(255,255,255,0.5);
}

.ad-slot p { margin: 0 0 0.5rem; color: var(--muted); font-size: 0.85rem; }
.ad-placeholder { padding: 1.5rem; text-align: center; color: var(--muted); background: repeating-linear-gradient(45deg, #fbfdff, #fbfdff 10px, #f4f7fc 10px, #f4f7fc 20px); }

/* Footer */
.site-footer {
  border-top: 1px solid var(--line);
  margin-top: 3rem;
  background: #ffffffa6;
}
.footer-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 1.2rem 0;
  flex-wrap: wrap;
}
.footer-wrap p { margin: 0; color: var(--muted); }
.footer-wrap nav { display: flex; gap: 0.25rem; flex-wrap: wrap; }
.footer-wrap nav a {
  color: var(--muted);
  text-decoration: none;
  padding: 0.35rem 0.65rem;
  border-radius: 8px;
  font-weight: 600;
  font-size: 0.9rem;
}
.footer-wrap nav a:hover { color: var(--primary-strong); background: rgba(37,99,235,0.06); }

/* Calculator pages */
.page-head { padding: 2.2rem 0 1rem; }
.page-head .eyebrow { margin-bottom: 0.7rem; }
.page-head p { color: var(--muted); max-width: 72ch; font-size: 1.02rem; }

.calc-grid {
  display: grid;
  grid-template-columns: 1.05fr 1fr;
  gap: 1.2rem;
  margin-bottom: 1.5rem;
}
.calc-wrap { padding: 1.3rem; }
.calc-wrap h2 { font-size: 1.1rem; margin-bottom: 0.3rem; }

label {
  display: block;
  margin: 0.9rem 0 0.3rem;
  font-weight: 600;
  color: var(--text-2);
  font-size: 0.92rem;
}
input, select {
  width: 100%;
  border: 1px solid var(--line);
  border-radius: 10px;
  padding: 0.65rem 0.75rem;
  font: inherit;
  background: #fff;
  color: var(--text);
  transition: border-color .15s ease, box-shadow .15s ease, background-color .15s ease;
}
input:hover, select:hover { border-color: #c7d2e3; }
input:focus, select:focus, button:focus-visible, a:focus-visible {
  outline: none;
  border-color: var(--primary-2);
  box-shadow: 0 0 0 4px var(--ring);
}

button[type="submit"] {
  margin-top: 1.1rem;
  border: 0;
  border-radius: 10px;
  background: linear-gradient(180deg, var(--primary-2), var(--primary));
  color: #fff;
  padding: 0.8rem 1.1rem;
  font: inherit;
  font-weight: 700;
  cursor: pointer;
  width: 100%;
  box-shadow: 0 10px 22px -10px rgba(37, 99, 235, 0.6);
  transition: background .15s ease, transform .08s ease;
}
button[type="submit"]:hover { background: linear-gradient(180deg, var(--primary), var(--primary-strong)); }
button[type="submit"]:active { transform: translateY(1px); }

.result-card { padding: 1.2rem; margin-bottom: 0.9rem; }
.result-card h2 {
  font-size: 1.05rem;
  color: var(--muted);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 0.6rem;
}
.metric {
  margin: 0.35rem 0;
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 0.8rem;
  padding: 0.45rem 0;
  border-bottom: 1px dashed var(--line-2);
}
.metric:last-child { border-bottom: 0; }
.metric span { color: var(--muted); }
.metric strong { font-size: 1.15rem; color: var(--text); font-variant-numeric: tabular-nums; }
.metric.primary {
  background: linear-gradient(135deg, rgba(37,99,235,0.08), rgba(14,165,164,0.08));
  border: 1px solid rgba(37,99,235,0.15);
  border-radius: 12px;
  padding: 0.8rem 1rem;
  margin: 0 0 0.6rem;
}
.metric.primary strong { font-size: 1.5rem; color: var(--primary-strong); }

.table-wrap { overflow: auto; max-height: 420px; }
table { width: 100%; border-collapse: collapse; font-variant-numeric: tabular-nums; }
th, td {
  border-bottom: 1px solid var(--line-2);
  padding: 0.6rem 0.75rem;
  text-align: right;
  white-space: nowrap;
  font-size: 0.92rem;
}
th:first-child, td:first-child { text-align: left; }
th {
  position: sticky; top: 0;
  background: #f3f7ff;
  color: var(--text-2);
  font-weight: 700;
  border-bottom: 1px solid var(--line);
}
tbody tr:hover td { background: #f9fbff; }

.legal { padding: 1.4rem 1.6rem; }
.legal h1 { font-size: clamp(1.6rem, 2.4vw, 2rem); margin-bottom: 0.4rem; }
.legal p { color: var(--text-2); }

/* Verdict badges for decision tools */
.verdict {
  border-radius: 14px;
  padding: 1rem 1.1rem;
  margin-bottom: 0.9rem;
  border: 1px solid var(--line);
  background: #fff;
  box-shadow: var(--shadow);
  display: flex;
  flex-direction: column;
  gap: 0.2rem;
}
.verdict .verdict-title {
  font-weight: 800;
  font-size: 1.1rem;
  color: var(--text);
  letter-spacing: -0.01em;
}
.verdict .verdict-sub { color: var(--muted); font-size: 0.9rem; }
.verdict.ok {
  border-color: rgba(4, 120, 87, 0.25);
  background: linear-gradient(135deg, rgba(4,120,87,0.08), rgba(14,165,164,0.08));
}
.verdict.ok .verdict-title { color: var(--ok); }
.verdict.warn {
  border-color: rgba(180, 83, 9, 0.25);
  background: linear-gradient(135deg, rgba(180,83,9,0.08), rgba(234,179,8,0.08));
}
.verdict.warn .verdict-title { color: var(--warn); }

/* Two-column comparison result layout */
.compare-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.9rem;
  margin-bottom: 0.9rem;
}
.compare-col {
  background: var(--panel);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 1.1rem;
}
.compare-col h3 {
  margin: 0 0 0.6rem;
  font-size: 1rem;
  color: var(--text);
  display: flex;
  align-items: center;
  gap: 0.45rem;
}
.compare-col .tag {
  font-size: 0.72rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 0.2rem 0.5rem;
  border-radius: 999px;
  font-weight: 700;
}
.compare-col.a .tag { background: rgba(37,99,235,0.12); color: var(--primary-strong); }
.compare-col.b .tag { background: rgba(14,165,164,0.14); color: #0f766e; }

/* Field group for two inputs on one row */
.field-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.7rem;
}
.field-row label { margin-top: 0.9rem; }

/* Sub-section heading inside forms */
.form-section-title {
  font-size: 0.82rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--muted);
  font-weight: 700;
  margin: 1.2rem 0 0.2rem;
  padding-top: 0.6rem;
  border-top: 1px dashed var(--line-2);
}
.form-section-title:first-child { border-top: 0; padding-top: 0; margin-top: 0; }

/* Pill / chip for category labels */
.chip {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  padding: 0.28rem 0.6rem;
  border-radius: 999px;
  background: rgba(37,99,235,0.1);
  color: var(--primary-strong);
  font-weight: 700;
  font-size: 0.78rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.chip.ok { background: rgba(4,120,87,0.12); color: var(--ok); }
.chip.teal { background: rgba(14,165,164,0.14); color: #0f766e; }
.chip.warn { background: rgba(180,83,9,0.12); color: var(--warn); }

/* Tool hub cards (larger visual) */
.tool-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1rem;
}
.tool-card {
  display: flex;
  flex-direction: column;
  gap: 0.55rem;
  padding: 1.3rem;
  background: var(--panel);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  transition: transform .15s ease, box-shadow .15s ease, border-color .15s ease;
  text-decoration: none;
  color: inherit;
}
.tool-card:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-lg);
  border-color: #d6deea;
}
.tool-card .tool-icon {
  width: 44px; height: 44px; border-radius: 12px;
  display: inline-flex; align-items: center; justify-content: center;
  background: linear-gradient(135deg, rgba(37,99,235,0.14), rgba(14,165,164,0.14));
  color: var(--primary);
}
.tool-card h3 { margin: 0.3rem 0 0.1rem; font-size: 1.1rem; }
.tool-card p { margin: 0; color: var(--muted); }
.tool-card .go {
  margin-top: auto;
  color: var(--primary-strong);
  font-weight: 700;
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
}
.tool-card:hover .go { gap: 0.55rem; }

/* FAQ accordion */
.faq-list { display: grid; gap: 0.6rem; }
.faq-item {
  background: var(--panel);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
  padding: 0.85rem 1.1rem;
  transition: border-color .15s ease, box-shadow .15s ease;
}
.faq-item[open] { box-shadow: var(--shadow); border-color: #d6deea; }
.faq-item summary {
  cursor: pointer;
  font-weight: 700;
  color: var(--text);
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+";
  font-weight: 800;
  font-size: 1.3rem;
  color: var(--primary-2);
  transition: transform .15s ease;
  line-height: 1;
}
.faq-item[open] summary::after { content: "−"; }
.faq-item p { color: var(--muted); margin: 0.6rem 0 0.2rem; }

/* Breadcrumbs */
.breadcrumb {
  padding: 1rem 0 0;
  font-size: 0.9rem;
}
.breadcrumb ol {
  display: flex;
  flex-wrap: wrap;
  gap: 0.4rem;
  align-items: center;
  list-style: none;
  padding: 0;
  margin: 0;
  color: var(--muted);
}
.breadcrumb li { display: inline-flex; align-items: center; gap: 0.4rem; }
.breadcrumb li + li::before {
  content: "/";
  color: var(--line);
  font-weight: 600;
}
.breadcrumb a {
  color: var(--muted);
  text-decoration: none;
  font-weight: 600;
}
.breadcrumb a:hover { color: var(--primary-strong); }
.breadcrumb li[aria-current="page"] { color: var(--text); font-weight: 700; }

/* Chart (Compound Interest) */
.chart-wrap {
  width: 100%;
  margin-top: 0.4rem;
  background: #fff;
  border-radius: 12px;
  overflow: hidden;
}
.chart-wrap svg { width: 100%; height: auto; display: block; }
.chart-legend {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  margin-top: 0.6rem;
  font-size: 0.85rem;
  color: var(--muted);
}
.chart-legend .dot {
  display: inline-block;
  width: 12px;
  height: 12px;
  border-radius: 3px;
  margin-right: 0.4rem;
  vertical-align: middle;
}
.chart-legend .dot-contrib { background: #2563eb; }
.chart-legend .dot-interest { background: #0ea5a4; }

/* Blog */
.blog-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.1rem;
  margin-top: 1.1rem;
}
.blog-card {
  background: var(--panel);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.2rem 1.3rem;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  transition: transform .15s ease, box-shadow .2s ease, border-color .2s ease;
  text-decoration: none;
  color: inherit;
}
.blog-card:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow);
  border-color: var(--primary-2);
}
.blog-card .tag {
  display: inline-flex;
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--primary-strong);
  background: rgba(37, 99, 235, 0.08);
  padding: 0.25rem 0.55rem;
  border-radius: 999px;
  align-self: flex-start;
}
.blog-card h3 {
  margin: 0;
  font-size: 1.1rem;
  color: var(--text);
  line-height: 1.3;
}
.blog-card p {
  margin: 0;
  color: var(--muted);
  font-size: 0.95rem;
}
.blog-card .meta {
  font-size: 0.8rem;
  color: var(--muted);
  margin-top: auto;
}

.article-wrap {
  max-width: 780px;
  margin: 0 auto;
  padding: 1rem 0 2rem;
}
.article-head {
  margin-bottom: 1.5rem;
}
.article-head h1 {
  font-size: clamp(1.8rem, 1.2rem + 2vw, 2.6rem);
  line-height: 1.15;
  margin: 0.4rem 0;
}
.article-head .meta {
  color: var(--muted);
  font-size: 0.9rem;
  display: flex;
  flex-wrap: wrap;
  gap: 0.8rem;
}
.article-body {
  font-size: 1.03rem;
  line-height: 1.75;
  color: var(--text-2);
}
.article-body h2 {
  margin-top: 2rem;
  font-size: 1.5rem;
  color: var(--text);
}
.article-body h3 {
  margin-top: 1.4rem;
  font-size: 1.15rem;
  color: var(--text);
}
.article-body p { margin: 0.7rem 0; }
.article-body ul, .article-body ol { padding-left: 1.4rem; }
.article-body li { margin: 0.35rem 0; }
.article-body blockquote {
  border-left: 4px solid var(--primary-2);
  background: rgba(37, 99, 235, 0.05);
  padding: 0.8rem 1rem;
  margin: 1rem 0;
  color: var(--text);
  border-radius: 0 8px 8px 0;
}
.article-body table {
  width: 100%;
  border-collapse: collapse;
  margin: 1rem 0;
  font-size: 0.95rem;
}
.article-body th, .article-body td {
  border: 1px solid var(--line);
  padding: 0.5rem 0.7rem;
  text-align: left;
}
.article-body th { background: var(--line-2); font-weight: 700; }
.cta-box {
  background: linear-gradient(135deg, rgba(37, 99, 235, 0.06), rgba(14, 165, 164, 0.06));
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.2rem 1.3rem;
  margin: 1.5rem 0;
  display: flex;
  flex-wrap: wrap;
  gap: 0.8rem;
  align-items: center;
  justify-content: space-between;
}
.cta-box h3 { margin: 0; font-size: 1.05rem; }
.cta-box p { margin: 0.2rem 0 0; color: var(--muted); font-size: 0.92rem; }

/* Locale switcher pill (top of header) */
.locale-pill {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--text-2);
  background: #fff;
  border: 1px solid var(--line);
  padding: 0.3rem 0.7rem;
  border-radius: 999px;
  text-decoration: none;
  transition: border-color .15s ease, background-color .15s ease;
  white-space: nowrap;
}
.locale-pill:hover { border-color: var(--primary-2); background: #f6faff; color: var(--primary-strong); }
.locale-pill .flag { font-size: 1rem; line-height: 1; }
.locale-pill svg { color: var(--muted); }

/* Calculator page long-form content */
.calc-content {
  max-width: 880px;
  margin: 0 auto;
  padding: 0.4rem 0 0.4rem;
  font-size: 1.02rem;
  line-height: 1.78;
  color: var(--text-2);
}
.calc-content h2 {
  margin-top: 2.2rem;
  font-size: clamp(1.3rem, 2vw, 1.6rem);
  color: var(--text);
  letter-spacing: -0.01em;
}
.calc-content h3 { margin-top: 1.4rem; font-size: 1.1rem; color: var(--text); }
.calc-content p { margin: 0.7rem 0; }
.calc-content ul, .calc-content ol { padding-left: 1.4rem; }
.calc-content li { margin: 0.35rem 0; }
.calc-content table {
  width: 100%;
  border-collapse: collapse;
  margin: 1rem 0;
  font-size: 0.95rem;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 12px;
  overflow: hidden;
}
.calc-content th, .calc-content td {
  border-bottom: 1px solid var(--line-2);
  padding: 0.6rem 0.85rem;
  text-align: left;
}
.calc-content th { background: #f3f7ff; font-weight: 700; color: var(--text-2); }
.calc-content tbody tr:last-child td { border-bottom: 0; }

/* Quick-pick / scenario buttons inside calculators */
.quick-row {
  display: flex;
  flex-wrap: wrap;
  gap: 0.4rem;
  margin: 0.5rem 0 0.2rem;
}
.quick-chip {
  border: 1px solid var(--line);
  background: #fff;
  color: var(--text-2);
  font-weight: 600;
  font-size: 0.82rem;
  padding: 0.35rem 0.7rem;
  border-radius: 999px;
  cursor: pointer;
  transition: border-color .15s ease, color .15s ease, background-color .15s ease;
}
.quick-chip:hover { border-color: var(--primary-2); color: var(--primary-strong); background: #f6faff; }
.quick-chip.active { border-color: var(--primary-2); background: rgba(37,99,235,0.1); color: var(--primary-strong); }

/* Trust strip / stat strip */
.stat-strip {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 0.8rem;
  margin: 1rem 0 0;
}
.stat-strip .stat {
  background: var(--panel);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 0.9rem 1rem;
  box-shadow: var(--shadow-sm);
}
.stat-strip .stat .num {
  font-size: 1.45rem;
  font-weight: 800;
  letter-spacing: -0.02em;
  color: var(--text);
  font-variant-numeric: tabular-nums;
}
.stat-strip .stat .lbl { color: var(--muted); font-size: 0.85rem; margin-top: 0.1rem; }

/* Featured calculator strip */
.feat-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 0.9rem;
}
.feat-card {
  background: var(--panel);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.1rem 1.2rem;
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
  text-decoration: none;
  color: inherit;
  box-shadow: var(--shadow-sm);
  transition: transform .15s ease, box-shadow .2s ease, border-color .2s ease;
}
.feat-card:hover { transform: translateY(-2px); box-shadow: var(--shadow); border-color: #d6deea; }
.feat-card .feat-tag {
  font-size: 0.7rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-weight: 800;
  color: var(--primary-strong);
  background: rgba(37,99,235,0.1);
  border-radius: 999px;
  padding: 0.2rem 0.55rem;
  align-self: flex-start;
}
.feat-card .feat-tag.in { background: rgba(234,88,12,0.12); color: #c2410c; }
.feat-card .feat-tag.us { background: rgba(4,120,87,0.12); color: var(--ok); }
.feat-card .feat-tag.uk { background: rgba(124,58,237,0.12); color: #6d28d9; }
.feat-card h3 { margin: 0.15rem 0 0; font-size: 1.05rem; line-height: 1.35; }
.feat-card p { margin: 0; color: var(--muted); font-size: 0.92rem; }
.feat-card .feat-go { margin-top: auto; color: var(--primary-strong); font-weight: 700; font-size: 0.9rem; }

/* Author card */
.author-card {
  display: grid;
  grid-template-columns: 96px 1fr;
  gap: 1rem;
  background: var(--panel);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.1rem 1.2rem;
  box-shadow: var(--shadow-sm);
  margin: 1rem 0;
  align-items: center;
}
.author-card .avatar {
  width: 96px; height: 96px;
  border-radius: 50%;
  background:
    radial-gradient(circle at 30% 30%, #93c5fd, #2563eb 70%);
  color: #fff;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 2rem;
  letter-spacing: -0.02em;
  box-shadow: 0 8px 18px -8px rgba(37,99,235,0.6);
}
.author-card .avatar.b {
  background: radial-gradient(circle at 30% 30%, #5eead4, #0d9488 70%);
  box-shadow: 0 8px 18px -8px rgba(13,148,136,0.6);
}
.author-card .name { margin: 0; font-size: 1.1rem; color: var(--text); letter-spacing: -0.01em; }
.author-card .role { color: var(--muted); font-size: 0.9rem; margin: 0.15rem 0 0.4rem; font-weight: 600; }
.author-card .bio { color: var(--text-2); margin: 0; font-size: 0.95rem; line-height: 1.6; }

/* Article byline (reviewed-by) */
.byline {
  display: flex;
  flex-wrap: wrap;
  gap: 0.8rem 1.2rem;
  align-items: center;
  margin: 0.6rem 0 1rem;
  padding: 0.7rem 0.9rem;
  background: var(--panel);
  border: 1px solid var(--line);
  border-radius: 12px;
  font-size: 0.88rem;
  color: var(--muted);
}
.byline .by-row { display: inline-flex; align-items: center; gap: 0.45rem; }
.byline strong { color: var(--text); font-weight: 700; }
.byline .by-avatar {
  width: 28px; height: 28px;
  border-radius: 50%;
  background: radial-gradient(circle at 30% 30%, #93c5fd, #2563eb 70%);
  color: #fff;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 0.78rem;
}
.byline .by-avatar.b { background: radial-gradient(circle at 30% 30%, #5eead4, #0d9488 70%); }
.byline .by-avatar.c { background: radial-gradient(circle at 30% 30%, #fcd34d, #d97706 70%); }

/* Locale-version badge on calc pages */
.region-bar {
  display: flex;
  flex-wrap: wrap;
  gap: 0.4rem;
  margin: 0.4rem 0 0;
}
.region-bar a {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  font-size: 0.82rem;
  font-weight: 700;
  text-decoration: none;
  color: var(--text-2);
  background: #fff;
  border: 1px solid var(--line);
  padding: 0.3rem 0.65rem;
  border-radius: 999px;
}
.region-bar a:hover { border-color: var(--primary-2); color: var(--primary-strong); }
.region-bar a.active { border-color: var(--primary-2); background: rgba(37,99,235,0.1); color: var(--primary-strong); }

/* Sources / citations footer for E-E-A-T */
.sources {
  margin-top: 1.2rem;
  font-size: 0.88rem;
  color: var(--muted);
  background: #fbfdff;
  border: 1px dashed var(--line);
  border-radius: 12px;
  padding: 0.85rem 1rem;
}
.sources strong { color: var(--text-2); }
.sources a { color: var(--primary-strong); }

/* TOC for long-form calculator pages */
.toc {
  background: var(--panel);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 0.9rem 1.1rem;
  margin: 1rem 0 1.2rem;
  box-shadow: var(--shadow-sm);
}
.toc h3 {
  margin: 0 0 0.45rem;
  font-size: 0.78rem;
  letter-spacing: 0.08em;
  color: var(--muted);
  text-transform: uppercase;
}
.toc ol {
  margin: 0;
  padding-left: 1.2rem;
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.15rem 1.2rem;
}
.toc li a { color: var(--text-2); text-decoration: none; font-weight: 600; font-size: 0.93rem; }
.toc li a:hover { color: var(--primary-strong); text-decoration: underline; }

@media (max-width: 920px) {
  .hero-grid, .calc-grid, .card-grid, .tool-grid, .compare-grid { grid-template-columns: 1fr; }
  .hero { padding-top: 2.2rem; }
  .nav-links a { padding: 0.45rem 0.6rem; font-size: 0.9rem; }
  .field-row { grid-template-columns: 1fr; }
  .stat-strip { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .feat-grid { grid-template-columns: 1fr; }
  .toc ol { grid-template-columns: 1fr; }
  .author-card { grid-template-columns: 64px 1fr; }
  .author-card .avatar { width: 64px; height: 64px; font-size: 1.4rem; }
}
@media (max-width: 520px) {
  .brand { font-size: 1.05rem; }
  .brand-mark { width: 26px; height: 26px; font-size: 0.78rem; }
  .footer-wrap { flex-direction: column; align-items: flex-start; }
}