:root{--white:#ffffff;--blue:#1e88e5;--navy:#0d47a1;--light:#bbdefb;--tint:#e9f3fd;--tint2:#f5f9fe;--ink:#15243b;--sub:#4a617f;--line:#d8e6f7;--bluedk:#1565c0}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;background:var(--white);color:var(--ink);font:16px/1.65 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif}
img{max-width:100%;height:auto}
h1,h2,h3{text-wrap:balance;line-height:1.25;color:var(--navy);margin:0 0 .6em}
h1{font-size:clamp(1.7rem,3.4vw,2.5rem)}h2{font-size:clamp(1.3rem,2.4vw,1.7rem)}h3{font-size:1.12rem}
a{color:var(--bluedk)}
.skip{position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;border-radius:0 0 10px 0;z-index:2147483100}
.skip:focus{left:0}
.container{max-width:1180px;margin:0 auto;padding:0 20px}
/* ---- sticky nav + dropdown (spec §3) ---- */
.nav{position:sticky;top:0;z-index:2147483000;isolation:isolate;background:var(--white);border-bottom:1px solid var(--line);box-shadow:0 2px 14px rgba(13,71,161,.06)}
.nav-in{display:flex;align-items:center;gap:6px;min-height:64px}
.logo{display:flex;align-items:center;gap:10px;font-weight:800;color:var(--navy);text-decoration:none;font-size:1.08rem;margin-right:10px;min-height:44px}
.logo img{width:34px;height:34px}
.nav-links{display:flex;align-items:center;gap:2px;flex:1}
.nav-links>div,.nav-links>a{position:relative}
.nav-links a,.dd-btn{display:inline-flex;align-items:center;gap:4px;padding:10px 12px;min-height:44px;border:0;background:none;font:inherit;font-weight:600;color:var(--ink);text-decoration:none;cursor:pointer;border-radius:8px}
.nav-links a:hover,.dd-btn:hover{color:var(--bluedk)}
.nav-gap{flex:1 1 60px;min-width:36px}
.btn{display:inline-flex;align-items:center;justify-content:center;background:var(--bluedk);color:#fff;font-weight:700;text-decoration:none;border-radius:10px;padding:12px 22px;min-height:44px;border:0;cursor:pointer}
.btn:hover{background:var(--navy)}
.btn:focus-visible,a:focus-visible,button:focus-visible{outline:3px solid var(--blue);outline-offset:2px}
.dd{position:absolute;left:0;top:100%;margin:0;min-width:240px;background:var(--white);border:1px solid var(--line);border-radius:12px;box-shadow:0 14px 34px rgba(13,36,80,.14);padding:8px;visibility:hidden;opacity:0;transition:opacity .15s,visibility 0s linear .3s;z-index:5}
.dd::before{content:"";position:absolute;left:0;right:0;top:-14px;height:14px}
.has-dd:hover .dd,.has-dd:focus-within .dd,.has-dd.open .dd{visibility:visible;opacity:1;transition-delay:0s}
.dd a{display:block;padding:10px 12px;border-radius:8px;font-weight:500}
.dd a:hover{background:var(--tint)}
.menu-toggle{display:none}
/* ---- hero layout A: contained card ---- */
.hero{background:linear-gradient(180deg,var(--tint) 0%,var(--tint2) 100%);padding:46px 0 54px}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:44px;align-items:center}
.hero-card{border-radius:16px;overflow:hidden;box-shadow:0 16px 40px rgba(13,71,161,.16);line-height:0}
.hero-kicker{display:inline-block;background:var(--light);color:var(--navy);font-weight:700;font-size:.82rem;letter-spacing:.03em;border-radius:999px;padding:6px 14px;margin-bottom:14px}
.hero p.lede{font-size:1.08rem;color:var(--sub);max-width:56ch}
.updated{color:var(--sub);font-size:.88rem;margin:2px 0 14px}
.hero-ctas{display:flex;gap:12px;flex-wrap:wrap;margin-top:18px}
.btn-ghost{background:var(--white);color:var(--bluedk);border:2px solid var(--blue)}
.btn-ghost:hover{background:var(--tint);color:var(--navy)}
@media(max-width:860px){.hero-grid{grid-template-columns:1fr}.hero-card{order:2}}
@media(max-width:760px){
 .menu-toggle{display:inline-flex;align-items:center;justify-content:center;min-width:44px;min-height:44px;border:1px solid var(--line);border-radius:10px;background:var(--white);font-size:1.2rem;cursor:pointer}
 .nav-links{display:none;position:absolute;left:0;right:0;top:100%;background:var(--white);border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;padding:10px 14px;gap:4px;box-shadow:0 18px 30px rgba(13,36,80,.12)}
 .nav.open .nav-links{display:flex}
 .nav-gap{display:none}
 .dd{position:static;visibility:visible;opacity:1;display:none;box-shadow:none;border:0;background:var(--tint2);transition:none}
 .dd::before{display:none}
 .has-dd.open .dd{display:block}
 .has-dd:hover .dd,.has-dd:focus-within .dd{visibility:visible}
 .nav-apply{margin:8px 0 4px}
}

/* ---- layout: article + sidebar ---- */
.crumbs{padding:14px 0 0;font-size:.86rem;color:var(--sub)}
.crumbs a{color:var(--sub)}
.crumbs span{color:var(--navy);font-weight:600}
.layout{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:40px;align-items:start;padding:34px 0 10px}
article{min-width:0}
article p{margin:0 0 1.05em}
article ul,article ol{margin:0 0 1.2em;padding-left:1.3em}
article li{margin-bottom:.45em}
.answer-lead{text-wrap:balance;background:var(--tint2);border-left:4px solid var(--blue);border-radius:0 10px 10px 0;padding:12px 16px;font-weight:500}
section{margin:0 0 30px}
.body-img{width:100%;max-width:560px;display:block;margin:22px auto 26px;border-radius:14px;box-shadow:0 12px 30px rgba(13,71,161,.14)}
/* TOC */
.toc{background:var(--tint2);border:1px solid var(--line);border-radius:14px;padding:16px 20px;margin:0 0 28px}
.toc p{font-weight:700;color:var(--navy);margin:0 0 8px}
.toc ol{columns:2;gap:26px;margin:0;padding-left:1.2em}
.toc li{break-inside:avoid;margin-bottom:.35em}
@media(max-width:640px){.toc ol{columns:1}}
/* tables */
.tbl-wrap{overflow-x:auto;margin:0 0 1.3em}
table{border-collapse:collapse;width:100%;min-width:560px;font-size:.95rem}
caption{caption-side:top;text-align:left;font-weight:700;color:var(--navy);padding-bottom:8px}
th,td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}
thead th{background:var(--tint);color:var(--navy)}
tbody tr:nth-child(even){background:var(--tint2)}
/* mini-FAQ */
.mini-faq details{border:1px solid var(--line);border-radius:12px;padding:0;margin-bottom:10px;background:var(--white)}
.mini-faq summary{cursor:pointer;font-weight:600;color:var(--navy);padding:14px 16px;min-height:44px;border-radius:12px}
.mini-faq summary:hover{background:var(--tint2)}
.mini-faq .fa{padding:0 16px 14px;color:var(--ink)}
/* cards */
.cards{display:grid;gap:18px;margin:10px 0 6px}
.cards.c2{grid-template-columns:repeat(2,1fr)}
.cards.c3{grid-template-columns:repeat(3,1fr)}
.cards.c4{grid-template-columns:repeat(4,1fr)}
.card{background:var(--white);border:1px solid var(--line);border-radius:14px;overflow:hidden;box-shadow:0 8px 22px rgba(13,36,80,.07);display:flex;flex-direction:column}
.card img{display:block;width:100%;aspect-ratio:3/2;object-fit:cover}
.card .cb{padding:14px 16px 16px;display:flex;flex-direction:column;gap:6px;flex:1}
.card h3{margin:0}
.card h3 a{color:var(--navy);text-decoration:none}
.card h3 a:hover{color:var(--bluedk)}
.card p{margin:0;color:var(--sub);font-size:.93rem;flex:1}
.card .cl{font-weight:700;color:var(--bluedk);text-decoration:none;min-height:44px;display:inline-flex;align-items:center}
.amount-card{text-align:center;padding:22px 16px;border:1px solid var(--line);border-radius:14px;background:var(--white);box-shadow:0 8px 22px rgba(13,36,80,.07)}
.amount-card .amt{font-size:1.6rem;font-weight:800;color:var(--navy)}
.amount-card p{color:var(--sub);font-size:.9rem;margin:.4em 0 .9em}
.term-card{border:1px solid var(--line);border-radius:14px;background:var(--white);padding:20px 16px;text-align:center;box-shadow:0 8px 22px rgba(13,36,80,.07)}
.term-card .tm{font-size:1.25rem;font-weight:800;color:var(--navy)}
.term-card .est{color:var(--bluedk);font-weight:700;font-size:1.05rem}
.term-card p{color:var(--sub);font-size:.86rem;margin:.5em 0 0}
@media(max-width:900px){.cards.c3,.cards.c4{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.cards.c2,.cards.c3,.cards.c4{grid-template-columns:1fr}}
/* sidebar */
.sidebar{display:flex;flex-direction:column;gap:18px}
.sbox{background:var(--white);border:1px solid var(--line);border-radius:14px;padding:16px 18px;box-shadow:0 8px 22px rgba(13,36,80,.06)}
.sbox .st{font-weight:800;color:var(--navy);margin:0 0 8px;font-size:1rem}
.sbox ul{margin:0;padding-left:1.15em}
.sbox li{margin-bottom:.4em;font-size:.93rem}
.sbox p{margin:0 0 .5em;font-size:.93rem;color:var(--ink)}
.sbox small{color:var(--sub)}
.sbox.cta{background:linear-gradient(160deg,var(--navy),var(--bluedk));color:#fff;text-align:center}
.sbox.cta .st{color:#fff}
.sbox.cta p{color:var(--light)}
.sbox.cta .btn{background:var(--white);color:var(--navy);width:100%}
.sbox.cta .btn:hover{background:var(--light)}
.sbox .rate-big{font-size:1.9rem;font-weight:800;color:var(--navy)}
.stars{color:#f4a826;letter-spacing:2px}
.sbox table{min-width:0;font-size:.88rem}
.sbox-sticky{position:sticky;top:84px}
@media(max-width:1020px){
 .layout{grid-template-columns:1fr}
 .box-x{display:none}
 .sbox-sticky{position:static}
}
/* CTA zone */
.cta-zone{background:linear-gradient(135deg,var(--navy) 0%,var(--bluedk) 70%);color:#fff;border-radius:18px;padding:38px 30px;text-align:center;margin:26px 0 44px}
.cta-zone h2{color:#fff}
.cta-zone p{color:var(--light);max-width:62ch;margin:0 auto 18px}
.cta-zone .btn{background:var(--white);color:var(--navy)}
.cta-zone .btn:hover{background:var(--light)}
/* form card (spec §7) */
.form-shell{position:relative;z-index:1;isolation:isolate;max-width:1020px;margin:34px auto;padding:0 20px}
.form-card{background:var(--white);border-radius:16px;box-shadow:0 8px 28px rgba(13,71,161,.14);padding:26px 26px 30px;border-top:5px solid;border-image:linear-gradient(90deg,var(--blue),var(--navy)) 1}
.form-card .ft{font-size:1.25rem;font-weight:800;color:var(--navy);margin:0 0 4px}
.form-card .fs{color:var(--sub);font-size:.92rem;margin:0 0 16px}
@media(max-width:560px){.form-shell{padding:0 12px}.form-card{padding:16px 14px 20px;border-radius:12px}}
/* footer */
footer{background:var(--navy);color:#dbe8fa;margin-top:30px}
.foot-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:30px;padding:44px 0 28px}
.foot-grid .fh{font-weight:800;color:#fff;margin:0 0 10px}
.foot-grid ul{list-style:none;margin:0;padding:0}
.foot-grid li{margin-bottom:.5em}
.foot-grid a{color:#cfe1f9;text-decoration:none;min-height:28px;display:inline-block}
.foot-grid a:hover{color:#fff;text-decoration:underline}
.disclosure{border-top:1px solid rgba(255,255,255,.18);padding:20px 0;font-size:.84rem;color:#b9cfee;line-height:1.6}
.copy-line{padding:0 0 26px;font-size:.84rem;color:#b4cbee}
@media(max-width:860px){.foot-grid{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.foot-grid{grid-template-columns:1fr}}
/* scroll top */
#toTop{position:fixed;right:18px;bottom:18px;width:46px;height:46px;border-radius:12px;border:0;background:var(--bluedk);color:#fff;font-size:1.2rem;cursor:pointer;box-shadow:0 10px 24px rgba(13,36,80,.3);opacity:0;visibility:hidden;transition:opacity .2s;z-index:2147482000}
#toTop.show{opacity:1;visibility:visible}
/* blog extras */
.author-box{display:flex;gap:14px;background:var(--tint2);border:1px solid var(--line);border-radius:14px;padding:16px 18px;margin:26px 0}
.author-box .ai{width:46px;height:46px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;flex:0 0 auto}
.author-box p{margin:0;font-size:.92rem}
.share{display:flex;gap:10px;flex-wrap:wrap;margin:18px 0 6px}
.share a{display:inline-flex;align-items:center;min-height:44px;padding:8px 16px;border:1px solid var(--line);border-radius:999px;text-decoration:none;font-weight:600;font-size:.88rem;color:var(--navy)}
.share a:hover{background:var(--tint)}
.meta-line{color:var(--sub);font-size:.9rem;margin:0 0 16px}
/* glossary */
.gl-term{border-bottom:1px solid var(--line);padding:14px 0}
.gl-term h3{margin:0 0 .3em}
/* calculator */
.calc{background:var(--tint2);border:1px solid var(--line);border-radius:16px;padding:24px;margin:0 0 26px}
.calc label{display:block;font-weight:700;color:var(--navy);margin:0 0 6px}
.calc .row{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-bottom:16px}
.calc select,.calc input{width:100%;padding:12px;border:1px solid var(--line);border-radius:10px;font:inherit;min-height:44px;background:var(--white)}
.calc output{display:block;font-size:1.7rem;font-weight:800;color:var(--navy)}
@media(max-width:560px){.calc .row{grid-template-columns:1fr}}
.review-card{background:var(--white);border:1px solid var(--line);border-radius:14px;padding:16px 18px;box-shadow:0 8px 22px rgba(13,36,80,.06)}
.review-card .rh{display:flex;justify-content:space-between;gap:10px;font-size:.9rem;color:var(--sub)}
.review-card p{margin:.5em 0 0;font-size:.94rem}
.cards.c5{grid-template-columns:repeat(5,1fr)}@media(max-width:1100px){.cards.c5{grid-template-columns:1fr}.cards.c5 .card img{aspect-ratio:21/9}}