:root {
  --ink: #0b1220;
  --ink-soft: #243044;
  --paper: #f4f1e8;
  --white: #fffefa;
  --lime: #d9ff43;
  --orange: #ff6b35;
  --line: rgba(11, 18, 32, .16);
  --shadow: 0 28px 80px rgba(6, 12, 24, .16);
}

* { 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, select { font: inherit; }
button { cursor: pointer; }
.site-header, main, footer { width: min(1180px, calc(100% - 40px)); margin-inline: auto; }

.site-header {
  min-height: 82px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  border-bottom: 1px solid var(--line);
}
.brand { display: inline-flex; gap: 11px; align-items: center; font-weight: 800; text-decoration: none; letter-spacing: -.02em; }
.brand strong { color: var(--orange); font-size: .72em; letter-spacing: .08em; }
.brand-mark { width: 35px; height: 35px; display: grid; place-items: center; border-radius: 50%; color: var(--lime); background: var(--ink); font-weight: 900; }
.site-header nav, footer nav { display: flex; gap: 28px; }
.site-header nav a, footer nav a { font-size: .9rem; font-weight: 700; text-decoration: none; }
.site-header nav a:hover, footer nav a:hover { text-decoration: underline; text-underline-offset: 5px; }

.hero { display: grid; grid-template-columns: .92fr 1.08fr; gap: clamp(40px, 7vw, 100px); align-items: center; padding: 84px 0 74px; }
.eyebrow, .kicker, .tag { margin: 0 0 14px; font-size: .74rem; font-weight: 900; letter-spacing: .16em; }
.hero h1 { max-width: 650px; margin: 0; font-size: clamp(3.1rem, 6.3vw, 6.15rem); line-height: .94; letter-spacing: -.065em; }
.hero h1 em { color: var(--orange); font-family: Georgia, serif; font-weight: 500; }
.hero-lede { max-width: 570px; margin: 30px 0; color: var(--ink-soft); font-size: 1.1rem; }
.trust-row { display: flex; flex-wrap: wrap; gap: 12px 20px; font-size: .83rem; font-weight: 800; }
.trust-row span::before { content: "✓"; display: inline-grid; place-items: center; width: 20px; height: 20px; margin-right: 7px; border-radius: 50%; color: var(--ink); background: var(--lime); }

.calculator-card { padding: clamp(24px, 4vw, 42px); color: white; background: var(--ink); border-radius: 24px; box-shadow: var(--shadow); }
.card-heading { display: flex; justify-content: space-between; gap: 20px; align-items: flex-start; }
.card-heading h2 { margin: 0; font-size: clamp(1.55rem, 3vw, 2.15rem); letter-spacing: -.04em; }
.kicker { color: var(--lime); }
.live-badge { padding: 7px 11px; border: 1px solid rgba(255,255,255,.22); border-radius: 999px; font-size: .72rem; font-weight: 800; }
.preset-row { display: flex; gap: 8px; overflow-x: auto; padding: 26px 0 20px; scrollbar-width: thin; }
.preset-row button { flex: 0 0 auto; padding: 8px 12px; border: 1px solid rgba(255,255,255,.18); border-radius: 999px; color: white; background: transparent; font-size: .75rem; font-weight: 700; }
.preset-row button:hover, .preset-row button.active { color: var(--ink); background: var(--lime); border-color: var(--lime); }
#cost-calculator { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; }
#cost-calculator label { font-size: .74rem; color: rgba(255,255,255,.72); font-weight: 700; }
.input-wrap { display: flex; align-items: baseline; gap: 6px; margin-top: 7px; padding: 12px 13px; border: 1px solid rgba(255,255,255,.18); border-radius: 12px; background: rgba(255,255,255,.07); }
.input-wrap:focus-within { border-color: var(--lime); box-shadow: 0 0 0 3px rgba(217,255,67,.12); }
.input-wrap input { min-width: 0; width: 100%; padding: 0; border: 0; outline: 0; color: white; background: transparent; font-weight: 850; }
.input-wrap b { flex: 0 0 auto; color: rgba(255,255,255,.55); font-size: .68rem; }
.rate-note { margin: 12px 0 0; color: rgba(255,255,255,.54); font-size: .7rem; }
.results { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; margin-top: 22px; }
.results > div { padding: 16px; border: 1px solid rgba(255,255,255,.12); border-radius: 14px; }
.results span, .formula span { display: block; margin-bottom: 6px; color: rgba(255,255,255,.58); font-size: .69rem; font-weight: 800; text-transform: uppercase; letter-spacing: .08em; }
.results strong { font-size: clamp(1.15rem, 2.1vw, 1.55rem); }
.results .featured-result { color: var(--ink); background: var(--lime); border-color: var(--lime); }
.featured-result span { color: rgba(11,18,32,.64); }
.formula { margin-top: 18px; padding-top: 16px; border-top: 1px solid rgba(255,255,255,.12); }
.formula code { color: rgba(255,255,255,.76); font-size: .78rem; white-space: normal; }

.data-strip { display: grid; grid-template-columns: repeat(3, 1fr); border-block: 1px solid var(--line); }
.data-strip div { display: grid; grid-template-columns: 40px 1fr; gap: 14px; align-items: center; padding: 25px; border-right: 1px solid var(--line); }
.data-strip div:last-child { border-right: 0; }
.data-strip strong { font-family: Georgia, serif; color: var(--orange); font-style: italic; }
.data-strip span { font-size: .84rem; font-weight: 750; }

.content-section { padding: 110px 0; }
.section-heading { display: grid; grid-template-columns: 1.2fr .8fr; gap: 50px; align-items: end; margin-bottom: 44px; }
.section-heading h2, .explanation h2, .content-page h1 { margin: 0; font-size: clamp(2.3rem, 5vw, 4.5rem); line-height: 1; letter-spacing: -.055em; }
.section-heading > p { margin: 0; color: var(--ink-soft); }
.guide-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); gap: 16px; }
.guide-grid article { position: relative; min-height: 330px; display: flex; flex-direction: column; padding: 28px; border: 1px solid var(--line); border-radius: 18px; background: rgba(255,255,255,.34); overflow: hidden; }
.guide-grid article:nth-child(2) { color: white; background: var(--ink); }
.guide-grid article:nth-child(3) { background: var(--lime); }
.guide-number { position: absolute; right: 18px; top: -30px; font-size: 7.5rem; font-weight: 950; color: rgba(11,18,32,.06); letter-spacing: -.08em; }
.guide-grid article:nth-child(2) .guide-number { color: rgba(255,255,255,.06); }
.guide-grid h3 { max-width: 290px; margin: 28px 0 12px; font-size: 1.55rem; line-height: 1.08; letter-spacing: -.035em; }
.guide-grid p:not(.tag) { color: inherit; opacity: .73; }
.text-button { margin-top: auto; padding: 0; border: 0; color: inherit; background: transparent; text-align: left; font-weight: 850; }
.text-button span { margin-left: 6px; transition: margin .2s ease; }
.text-button:hover span { margin-left: 12px; }

.explanation { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; margin-bottom: 110px; padding: 60px; border-radius: 22px; background: var(--white); }
.explanation-copy { font-size: 1.05rem; }
.explanation-copy p:first-child { margin-top: 0; }
.explanation-copy a { display: inline-block; margin-top: 20px; font-weight: 850; text-underline-offset: 5px; }

.content-page { max-width: 820px; min-height: 65vh; padding: 90px 0 120px; }
.content-page h1 { margin-bottom: 30px; }
.content-page h2 { margin-top: 44px; font-size: 1.55rem; }
.content-page p, .content-page li { color: var(--ink-soft); }
.content-page .notice { padding: 20px; border-left: 4px solid var(--orange); background: var(--white); }

.breadcrumb { margin: 0 0 28px; color: var(--ink-soft); font-size: .78rem; font-weight: 750; }
.breadcrumb a { text-underline-offset: 4px; }
.page-hero { max-width: 900px; padding: 72px 0 38px; }
.page-hero h1 { max-width: 870px; margin: 0; font-size: clamp(2.8rem, 6vw, 5.7rem); line-height: .96; letter-spacing: -.06em; }
.page-hero .hero-lede { max-width: 720px; }
.state-picker { margin: 22px 0 16px; }
.state-picker label { display: block; color: rgba(255,255,255,.72); font-size: .74rem; font-weight: 750; }
.state-picker select { width: 100%; margin-top: 7px; padding: 12px 13px; border: 1px solid rgba(255,255,255,.18); border-radius: 12px; color: white; background: #182235; }
.state-picker select:focus { outline: 3px solid rgba(217,255,67,.18); border-color: var(--lime); }
.state-picker select:disabled { opacity: .6; }
.calculator-actions { display: flex; flex-wrap: wrap; gap: 10px; align-items: center; margin-top: 20px; }
.action-button { padding: 10px 15px; border: 0; border-radius: 999px; color: var(--ink); background: var(--lime); font-size: .78rem; font-weight: 850; }
.action-button.secondary { color: white; border: 1px solid rgba(255,255,255,.22); background: transparent; }
.status-text { min-height: 1.2em; margin: 0; color: rgba(255,255,255,.65); font-size: .72rem; }
.comparison-tools { display: grid; grid-template-columns: 1fr auto; gap: 8px; margin-top: 18px; }
.comparison-tools input { min-width: 0; padding: 10px 12px; border: 1px solid rgba(255,255,255,.18); border-radius: 10px; color: white; background: rgba(255,255,255,.07); }
.comparison-table-wrap { margin-top: 12px; overflow-x: auto; }
.comparison-table { width: 100%; min-width: 630px; border-collapse: collapse; font-size: .73rem; }
.comparison-table th, .comparison-table td { padding: 10px 8px; border-bottom: 1px solid rgba(255,255,255,.12); text-align: left; }
.comparison-table th { color: rgba(255,255,255,.55); text-transform: uppercase; letter-spacing: .05em; }
.remove-row { padding: 4px 7px; border: 1px solid rgba(255,255,255,.18); border-radius: 7px; color: white; background: transparent; font-size: .68rem; }
.comparison-empty { margin: 12px 0 0; color: rgba(255,255,255,.54); font-size: .72rem; }
.hidden { display: none !important; }

.guide-link { color: inherit; text-decoration: none; }
.guide-link::after { content: " →"; font-weight: 900; }
.guide-link:hover { text-decoration: underline; text-underline-offset: 5px; }
.wide-section { padding: 100px 0; }
.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: 18px; background: rgba(255,255,255,.42); }
.data-table { width: 100%; min-width: 680px; border-collapse: collapse; }
.data-table th, .data-table td { padding: 15px 18px; border-bottom: 1px solid var(--line); text-align: left; }
.data-table th { color: var(--ink-soft); background: rgba(255,255,255,.55); font-size: .76rem; text-transform: uppercase; letter-spacing: .07em; }
.data-table tr:last-child td { border-bottom: 0; }
.data-table td:nth-child(n+2) { font-variant-numeric: tabular-nums; }
.source-note { margin-top: 18px; color: var(--ink-soft); font-size: .8rem; }
.faq-list { display: grid; gap: 10px; }
.faq-list details { padding: 18px 20px; border: 1px solid var(--line); border-radius: 14px; background: rgba(255,255,255,.42); }
.faq-list summary { cursor: pointer; font-weight: 850; }
.faq-list p { color: var(--ink-soft); }
.article-grid { display: grid; grid-template-columns: minmax(0, 1.3fr) minmax(260px, .7fr); gap: 50px; padding: 72px 0 100px; }
.article-copy h2 { margin: 54px 0 14px; font-size: clamp(1.7rem, 3vw, 2.6rem); letter-spacing: -.04em; }
.article-copy h2:first-child { margin-top: 0; }
.article-copy h3 { margin-top: 32px; font-size: 1.25rem; }
.article-copy p, .article-copy li { color: var(--ink-soft); }
.article-aside { align-self: start; position: sticky; top: 24px; padding: 24px; border-radius: 18px; color: white; background: var(--ink); }
.article-aside h2 { margin-top: 0; font-size: 1.25rem; }
.article-aside a { display: block; padding: 9px 0; border-bottom: 1px solid rgba(255,255,255,.12); color: white; text-decoration: none; font-weight: 750; }
.article-aside a:last-child { border-bottom: 0; }
.article-aside a:hover { color: var(--lime); }
.inline-calculator { max-width: 880px; margin: 20px auto 70px; }
.content-page.wide { max-width: 1000px; }
.ad-ready-note { padding: 18px 20px; border: 1px dashed var(--line); border-radius: 14px; color: var(--ink-soft); background: rgba(255,255,255,.32); font-size: .8rem; }

footer { display: grid; grid-template-columns: 1fr auto; gap: 30px; padding: 45px 0; border-top: 1px solid var(--line); }
.footer-brand { display: flex; gap: 12px; align-items: center; }
.footer-brand div { display: grid; }
.footer-brand span:not(.brand-mark), footer > p { color: var(--ink-soft); font-size: .78rem; }
footer > p { grid-column: 1 / -1; margin: 0; }

@media (max-width: 900px) {
  .hero, .section-heading, .explanation { grid-template-columns: 1fr; }
  .hero { padding-top: 55px; }
  .guide-grid { grid-template-columns: 1fr; }
  .guide-grid article { min-height: 250px; }
  .explanation { gap: 30px; padding: 35px; }
  .article-grid { grid-template-columns: 1fr; }
  .article-aside { position: static; }
}

@media (max-width: 680px) {
  .site-header, main, footer { width: min(100% - 24px, 1180px); }
  .site-header { min-height: 70px; }
  .site-header nav { display: none; }
  .hero { gap: 42px; padding-bottom: 55px; }
  .hero h1 { font-size: clamp(3rem, 16vw, 4.8rem); }
  #cost-calculator { grid-template-columns: 1fr; }
  .comparison-tools { grid-template-columns: 1fr; }
  .results { grid-template-columns: 1fr; }
  .data-strip { grid-template-columns: 1fr; }
  .data-strip div { border-right: 0; border-bottom: 1px solid var(--line); }
  .data-strip div:last-child { border-bottom: 0; }
  .content-section { padding: 80px 0; }
  .explanation { margin-bottom: 80px; }
  footer { grid-template-columns: 1fr; }
  footer nav { flex-wrap: wrap; gap: 16px 22px; }
  footer > p { grid-column: 1; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition-duration: .01ms !important; }
}