:root {
  --ink: #17202a;
  --muted: #5f6b78;
  --line: #dbe2ea;
  --paper: #ffffff;
  --soft: #f5f7fa;
  --brand: #235789;
  --accent: #f4b942;
  --good: #1b7f5a;
  --warn: #9b5d00;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

* { box-sizing: border-box; }
body { margin: 0; color: var(--ink); background: var(--paper); line-height: 1.6; }
a { color: var(--brand); text-decoration: none; }
a:hover { text-decoration: underline; }
img { max-width: 100%; display: block; }
.skip { position: absolute; left: -999px; top: 0; background: #fff; padding: 8px; z-index: 10; }
.skip:focus { left: 8px; }
.site-header { border-bottom: 1px solid var(--line); background: rgba(255,255,255,.96); position: sticky; top: 0; z-index: 5; }
.nav { max-width: 1180px; margin: 0 auto; padding: 14px 20px; display: flex; align-items: center; justify-content: space-between; gap: 18px; }
.brand { color: var(--ink); font-weight: 800; letter-spacing: .2px; }
.nav-links { display: flex; flex-wrap: wrap; gap: 10px 18px; font-size: .94rem; }
.nav-links a { color: var(--muted); }
.hero { background: linear-gradient(120deg, color-mix(in srgb, var(--brand) 15%, #fff), #fff 58%, color-mix(in srgb, var(--accent) 20%, #fff)); border-bottom: 1px solid var(--line); }
.hero-inner { max-width: 1180px; margin: 0 auto; padding: 54px 20px 34px; display: grid; grid-template-columns: minmax(0, 1.02fr) minmax(300px, .98fr); gap: 36px; align-items: center; }
.eyebrow { color: var(--brand); font-weight: 800; text-transform: uppercase; font-size: .78rem; letter-spacing: .08em; }
h1 { font-size: clamp(2.15rem, 4vw, 4.3rem); line-height: 1.02; margin: 8px 0 16px; letter-spacing: 0; }
h2 { font-size: clamp(1.55rem, 2.4vw, 2.3rem); line-height: 1.15; margin: 42px 0 14px; }
h3 { font-size: 1.15rem; margin: 24px 0 8px; }
.lead { font-size: 1.16rem; color: #344150; max-width: 68ch; }
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 24px; }
.button { display: inline-flex; min-height: 44px; align-items: center; justify-content: center; padding: 10px 16px; border-radius: 7px; border: 1px solid var(--brand); background: var(--brand); color: #fff; font-weight: 750; }
.button.secondary { background: #fff; color: var(--brand); }
.visual { border: 1px solid var(--line); border-radius: 8px; overflow: hidden; background: #fff; box-shadow: 0 16px 46px rgba(30,45,60,.12); }
.visual img { width: 100%; height: auto; aspect-ratio: 1600 / 740; display: block; }
.wrap { max-width: 1180px; margin: 0 auto; padding: 28px 20px 54px; }
.grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 16px; }
.card { border: 1px solid var(--line); border-radius: 8px; padding: 18px; background: #fff; }
.card h3 { margin-top: 0; }
.card p { color: var(--muted); margin: 6px 0 12px; }
.hub-band { background: var(--soft); border-block: 1px solid var(--line); }
.breadcrumbs { font-size: .9rem; color: var(--muted); margin-bottom: 16px; }
.layout { display: grid; grid-template-columns: minmax(0, 1fr) 320px; gap: 28px; align-items: start; }
.calculator-panel { border: 1px solid var(--line); border-radius: 8px; padding: 18px; background: #fff; }
.calculator-main { margin: 6px 0 34px; box-shadow: 0 14px 34px rgba(30,45,60,.08); }
.calculator-heading { display: flex; align-items: flex-start; justify-content: space-between; gap: 18px; margin-bottom: 12px; }
.calculator-heading h2 { margin-top: 4px; }
.calculator-main .calc-form { grid-template-columns: repeat(auto-fit, minmax(190px, 1fr)); align-items: end; }
.calculator-main .calc-form .button { align-self: end; }
.calc-form { display: grid; gap: 12px; }
.field label { display: block; font-weight: 700; margin-bottom: 5px; font-size: .93rem; }
.field input, .field select, .field textarea { width: 100%; border: 1px solid #cbd5df; border-radius: 6px; padding: 10px 11px; font: inherit; background: #fff; }
.field textarea { min-height: 96px; resize: vertical; }
.result { margin-top: 14px; padding: 14px; border-radius: 8px; background: color-mix(in srgb, var(--brand) 8%, #fff); border: 1px solid color-mix(in srgb, var(--brand) 22%, #fff); }
.result strong { display: block; font-size: 1.25rem; }
.wide-result { overflow-x: auto; }
.payoff-grid { display: grid; gap: 10px; grid-column: 1 / -1; }
.payoff-row { display: grid; grid-template-columns: 1.1fr .9fr .9fr .8fr; gap: 8px; align-items: end; }
.payoff-row .field { margin: 0; }
.payoff-table { width: 100%; min-width: 560px; border-collapse: collapse; margin-top: 12px; font-size: .92rem; }
.payoff-table th, .payoff-table td { border-bottom: 1px solid var(--line); padding: 8px; text-align: left; vertical-align: top; }
.payoff-table th { background: var(--soft); color: var(--ink); }
.payoff-summary { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 10px; margin-top: 12px; }
.payoff-summary span { display: block; border: 1px solid var(--line); border-radius: 8px; padding: 10px; background: #fff; }
.article { font-size: 1.02rem; }
.article p { color: #2f3b48; }
.toc { border-left: 4px solid var(--accent); padding: 10px 0 10px 14px; background: #fffdf6; margin: 20px 0; }
.toc a { display: inline-block; margin: 4px 14px 4px 0; }
.related-list { display: grid; gap: 10px; }
.faq details { border-top: 1px solid var(--line); padding: 13px 0; }
.faq summary { cursor: pointer; font-weight: 750; }
.ad-slot { min-height: 96px; border: 1px dashed #b8c2cc; border-radius: 8px; color: var(--muted); display: grid; place-items: center; background: #fafbfc; margin: 24px 0; font-size: .9rem; }
.footer { border-top: 1px solid var(--line); background: #101820; color: #dce4ec; }
.footer .wrap { padding-block: 28px; }
.footer a { color: #fff; }
.note { color: var(--muted); font-size: .94rem; }
@media (max-width: 840px) {
  .hero-inner, .layout { grid-template-columns: 1fr; }
  .payoff-row, .payoff-summary { grid-template-columns: 1fr; }
  .calculator-heading { flex-direction: column; }
  .nav { align-items: flex-start; flex-direction: column; }
  .nav-links { gap: 8px 12px; }
}