/* ==========================================================================
   CostInsightHub design system
   Tokens → base → layout → components → content (prose) → utilities.
   Brand colours sampled from the supplied logo: blue #005BE3, navy #121C33,
   sky #0A84EC (decorative only – 3.8:1 on white, never used for text).
   Documented in docs/DESIGN_SYSTEM.md.
   ========================================================================== */

/* ---------- 1. Tokens ---------- */
:root {
  /* Brand */
  --c-brand: #005be3;          /* 5.8:1 on white – links, primary buttons */
  --c-brand-strong: #004bbf;   /* hover / pressed, 7.6:1 */
  --c-brand-soft: #eef4ff;     /* tinted surfaces */
  --c-brand-softer: #f5f8ff;
  --c-brand-line: #c8dafd;
  --c-sky: #0a84ec;            /* decorative accents only */
  --c-navy: #121c33;           /* headings, primary text */
  --c-navy-2: #1e2a44;

  /* Neutrals */
  --c-text: #121c33;
  --c-text-2: #475069;         /* body secondary, 8.0:1 */
  --c-text-3: #5b6478;         /* muted meta, 5.9:1 */
  --c-bg: #ffffff;
  --c-surface: #ffffff;
  --c-surface-2: #f5f7fb;      /* tinted sections */
  --c-surface-3: #eef2f8;
  --c-line: #e3e8f0;           /* dividers */
  --c-line-strong: #cfd7e3;
  --c-control-line: #7a8499;   /* form control borders ≥3:1 */

  /* Semantic */
  --c-success: #0e6e45; --c-success-bg: #ecf8f1;
  --c-warning: #8a4b00; --c-warning-bg: #fff5e6; --c-warning-line: #f6d39b;
  --c-danger: #b42318;  --c-danger-bg: #fef3f2;  --c-danger-line: #f5c2bd;
  --c-accent: #ffb648;         /* sponsored CTA only */

  /* Typography */
  --font-sans: ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji";
  --font-mono: ui-monospace, SFMono-Regular, Menlo, Consolas, monospace;
  --fs-xs: .8125rem;   /* 13 */
  --fs-sm: .875rem;    /* 14 */
  --fs-base: 1rem;     /* 16 */
  --fs-md: 1.0625rem;  /* 17 – article body */
  --fs-lg: 1.25rem;    /* 20 */
  --fs-xl: 1.5rem;     /* 24 */
  --fs-2xl: clamp(1.5rem, 1.2rem + 1.2vw, 1.875rem);  /* 24→30 */
  --fs-3xl: clamp(1.875rem, 1.4rem + 2vw, 2.5rem);    /* 30→40 */
  --fs-4xl: clamp(2.125rem, 1.5rem + 2.8vw, 3.25rem); /* 34→52 */
  --lh-tight: 1.15;
  --lh-snug: 1.3;
  --lh-body: 1.65;

  /* Spacing (4px base) */
  --s-1: .25rem; --s-2: .5rem; --s-3: .75rem; --s-4: 1rem; --s-5: 1.25rem;
  --s-6: 1.5rem; --s-8: 2rem; --s-10: 2.5rem; --s-12: 3rem; --s-16: 4rem; --s-20: 5rem;

  /* Shape & depth */
  --r-sm: 6px; --r-md: 10px; --r-lg: 14px; --r-xl: 20px; --r-pill: 999px;
  --shadow-xs: 0 1px 2px rgba(18, 28, 51, .06);
  --shadow-sm: 0 1px 3px rgba(18, 28, 51, .08), 0 1px 2px rgba(18, 28, 51, .04);
  --shadow-md: 0 6px 20px -6px rgba(18, 28, 51, .14), 0 2px 6px rgba(18, 28, 51, .05);
  --shadow-lg: 0 18px 40px -12px rgba(18, 28, 51, .22);
  --ring: 0 0 0 3px rgba(0, 91, 227, .35);

  /* Layout */
  --container: 1200px;
  --container-narrow: 780px;
  --gutter: clamp(1rem, .6rem + 1.6vw, 2rem);
  --header-h: 68px;

  /* Motion */
  --dur: 150ms;
  --ease: cubic-bezier(.2, .7, .3, 1);
}

/* ---------- 2. Base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; text-size-adjust: 100%; scroll-padding-top: calc(var(--header-h) + 16px); }
@media (prefers-reduced-motion: no-preference) { html { scroll-behavior: smooth; } }
body {
  margin: 0; background: var(--c-bg); color: var(--c-text);
  font-family: var(--font-sans); font-size: var(--fs-base); line-height: var(--lh-body);
  -webkit-font-smoothing: antialiased; text-rendering: optimizeLegibility;
  font-feature-settings: "kern";
}
img, svg, picture { max-width: 100%; height: auto; }
img { display: block; }
h1, h2, h3, h4, h5, h6 { color: var(--c-navy); line-height: var(--lh-snug); margin: 0; font-weight: 700; letter-spacing: -.015em; text-wrap: balance; }
p { margin: 0; }
a { color: var(--c-brand); text-underline-offset: .18em; text-decoration-thickness: 1px; }
a:hover { color: var(--c-brand-strong); text-decoration-thickness: 2px; }
:focus-visible { outline: 3px solid var(--c-brand); outline-offset: 2px; border-radius: 4px; }
::selection { background: #cfe0ff; color: var(--c-navy); }
button, input, select, textarea { font: inherit; color: inherit; }
ul[class], ol[class], nav ul, nav ol { list-style: none; margin: 0; padding: 0; }
table { border-collapse: collapse; }
[hidden] { display: none !important; }
main:focus { outline: none; }

.visually-hidden {
  position: absolute !important; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}
.skip-link {
  position: absolute; left: var(--s-4); top: -100px; z-index: 1000; padding: var(--s-3) var(--s-4);
  background: var(--c-navy); color: #fff; border-radius: var(--r-sm); font-weight: 600; text-decoration: none;
}
.skip-link:focus { top: var(--s-3); color: #fff; }

.icon { width: 1.25rem; height: 1.25rem; flex: none; }
.icon--sm { width: 1.05rem; height: 1.05rem; }
.icon--xs { width: .9rem; height: .9rem; }
.flag { font-size: 1.15em; line-height: 1; }
.flag--lg { font-size: 2rem; }

/* ---------- 3. Layout ---------- */
.container { width: 100%; max-width: var(--container); margin-inline: auto; padding-inline: var(--gutter); }
.container--narrow { max-width: calc(var(--container-narrow) + 2 * var(--gutter)); }
.section { padding-block: clamp(2.5rem, 1.8rem + 3vw, 4.5rem); }
.section--compact { padding-block: clamp(1.75rem, 1.4rem + 1.5vw, 2.5rem); }
.section--tint { background: var(--c-surface-2); border-block: 1px solid var(--c-line); }
.section__head { display: grid; gap: var(--s-2); margin-bottom: var(--s-8); max-width: 720px; }
.section__head h2, .section__title { font-size: var(--fs-2xl); }
.section__title { margin-bottom: var(--s-6); }
.section__head p { color: var(--c-text-2); font-size: var(--fs-md); }
.section__head--row { max-width: none; display: flex; flex-wrap: wrap; align-items: end; justify-content: space-between; gap: var(--s-4); margin-bottom: var(--s-6); }
.section__more { margin-top: var(--s-6); font-weight: 600; }
.section__more a { display: inline-flex; align-items: center; gap: var(--s-2); }

/* ---------- 4. Components ---------- */

/* Buttons: primary | ghost | accent; sizes sm | (md) | lg; block */
.btn {
  --btn-bg: var(--c-surface); --btn-fg: var(--c-navy); --btn-line: var(--c-line-strong);
  display: inline-flex; align-items: center; justify-content: center; gap: var(--s-2);
  min-height: 44px; padding: .625rem 1.125rem; border-radius: var(--r-md);
  border: 1px solid var(--btn-line); background: var(--btn-bg); color: var(--btn-fg);
  font-weight: 600; font-size: var(--fs-base); line-height: 1.2; text-decoration: none; cursor: pointer;
  transition: background-color var(--dur) var(--ease), border-color var(--dur) var(--ease), box-shadow var(--dur) var(--ease), color var(--dur) var(--ease);
  white-space: nowrap;
}
.btn:hover { text-decoration: none; color: var(--btn-fg); background: var(--c-surface-2); }
.btn:focus-visible { outline: none; box-shadow: var(--ring); }
.btn:disabled, .btn[aria-disabled="true"] { opacity: .55; cursor: not-allowed; }
.btn--primary { --btn-bg: var(--c-brand); --btn-fg: #fff; --btn-line: var(--c-brand); box-shadow: var(--shadow-xs); }
.btn--primary:hover { background: var(--c-brand-strong); border-color: var(--c-brand-strong); color: #fff; }
.btn--ghost { --btn-bg: transparent; --btn-line: var(--c-line-strong); }
.btn--accent { --btn-bg: var(--c-accent); --btn-fg: var(--c-navy); --btn-line: #f0a32f; }
.btn--accent:hover { background: #ffa726; color: var(--c-navy); }
.btn--danger { --btn-bg: var(--c-danger); --btn-fg: #fff; --btn-line: var(--c-danger); }
.btn--danger:hover { background: #8f1c13; color: #fff; }
.btn--sm { min-height: 36px; padding: .4rem .8rem; font-size: var(--fs-sm); border-radius: var(--r-sm); }
.btn--lg { min-height: 52px; padding: .8rem 1.4rem; font-size: var(--fs-md); }
.btn--block { width: 100%; }
.icon-btn {
  display: inline-grid; place-items: center; width: 44px; height: 44px; border-radius: var(--r-md);
  border: 1px solid transparent; background: transparent; color: var(--c-navy); cursor: pointer;
  transition: background-color var(--dur) var(--ease);
}
.icon-btn:hover { background: var(--c-surface-3); color: var(--c-navy); }
.icon-btn--sm { width: 36px; height: 36px; }
.link-arrow { display: inline-flex; align-items: center; gap: var(--s-1); font-weight: 600; text-decoration: none; }
.link-arrow:hover { text-decoration: underline; }

/* Form controls */
.input {
  width: 100%; min-height: 44px; padding: .6rem .85rem; border-radius: var(--r-md);
  border: 1px solid var(--c-control-line); background: #fff; color: var(--c-text); font-size: var(--fs-base);
  transition: border-color var(--dur) var(--ease), box-shadow var(--dur) var(--ease);
  appearance: none;
}
select.input {
  padding-right: 2.5rem; cursor: pointer;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23121c33' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right .75rem center; background-size: 1.1rem;
}
.input:hover { border-color: var(--c-navy-2); }
.input:focus { outline: none; border-color: var(--c-brand); box-shadow: var(--ring); }
.input[aria-invalid="true"] { border-color: var(--c-danger); }
.input--lg { min-height: 52px; font-size: var(--fs-md); }
.input--sm { min-height: 38px; padding: .4rem .75rem; font-size: var(--fs-sm); }
textarea.input { min-height: 120px; line-height: 1.5; resize: vertical; }
.field { display: grid; gap: var(--s-2); }
.field + .field { margin-top: var(--s-5); }
.field__label { font-weight: 600; font-size: var(--fs-sm); color: var(--c-navy); }
.field__hint { font-size: var(--fs-xs); color: var(--c-text-3); }
.field__error { font-size: var(--fs-sm); color: var(--c-danger); font-weight: 500; }
.field--error .field__label { color: var(--c-danger); }

/* Alerts */
.alert { display: flex; gap: var(--s-3); align-items: flex-start; padding: var(--s-3) var(--s-4); border-radius: var(--r-md); border: 1px solid; font-size: var(--fs-sm); }
.alert .icon { margin-top: .15rem; }
.alert--error { background: var(--c-danger-bg); border-color: var(--c-danger-line); color: var(--c-danger); }
.alert--success { background: var(--c-success-bg); border-color: #b5e2c9; color: var(--c-success); }
.alert--info { background: var(--c-brand-soft); border-color: var(--c-brand-line); color: var(--c-brand-strong); }
.alert--warning { background: var(--c-warning-bg); border-color: var(--c-warning-line); color: var(--c-warning); }
.alert + .alert { margin-top: var(--s-2); }

/* Chips & eyebrow */
.eyebrow {
  display: inline-flex; align-items: center; gap: var(--s-2); margin-bottom: var(--s-3);
  font-size: var(--fs-sm); font-weight: 600; color: var(--c-brand-strong); letter-spacing: .01em;
}
.eyebrow--link { text-decoration: none; padding: .2rem .65rem .2rem .5rem; border-radius: var(--r-pill); background: var(--c-brand-soft); border: 1px solid var(--c-brand-line); }
.eyebrow--link:hover { background: #e2ecff; text-decoration: none; }
.chip-list { display: flex; flex-wrap: wrap; gap: var(--s-2); }
.chip {
  display: inline-flex; align-items: center; min-height: 36px; padding: .35rem .8rem; border-radius: var(--r-pill);
  background: #fff; border: 1px solid var(--c-line-strong); color: var(--c-navy); font-size: var(--fs-sm); font-weight: 500; text-decoration: none;
}
.chip:hover { border-color: var(--c-brand); color: var(--c-brand-strong); text-decoration: none; }

/* Header */
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(255, 255, 255, .96); border-bottom: 1px solid var(--c-line); }
@supports (backdrop-filter: blur(8px)) { .site-header { background: rgba(255, 255, 255, .88); backdrop-filter: saturate(1.6) blur(10px); } }
.site-header__bar { display: flex; align-items: center; gap: var(--s-4); min-height: var(--header-h); }
.brand { display: inline-flex; flex: none; border-radius: var(--r-sm); }
.brand img { width: auto; height: 40px; }
.primary-nav { display: none; margin-left: var(--s-4); }
.primary-nav ul { display: flex; gap: var(--s-1); }
.primary-nav a {
  display: inline-flex; align-items: center; min-height: 40px; padding: 0 .75rem; border-radius: var(--r-sm);
  color: var(--c-text-2); font-weight: 600; font-size: .9375rem; text-decoration: none;
}
.primary-nav a:hover { color: var(--c-navy); background: var(--c-surface-2); }
.primary-nav a[aria-current="page"] { color: var(--c-brand-strong); background: var(--c-brand-soft); }
.site-header__actions { margin-left: auto; display: flex; align-items: center; gap: var(--s-2); }
.menu-toggle__close { display: none; }
.menu-toggle[aria-expanded="true"] .menu-toggle__open { display: none; }
.menu-toggle[aria-expanded="true"] .menu-toggle__close { display: inline; }
.menu-toggle[aria-expanded="true"], .icon-btn[aria-expanded="true"] { background: var(--c-brand-soft); border-color: var(--c-brand-line); color: var(--c-brand-strong); }
.header-panel { display: none; border-top: 1px solid var(--c-line); background: #fff; box-shadow: var(--shadow-md); max-height: calc(100vh - var(--header-h)); overflow-y: auto; overscroll-behavior: contain; }
.header-panel.is-open { display: block; }
.header-panel--search { padding-block: var(--s-4); }
.mega { display: grid; gap: var(--s-6); padding-block: var(--s-6); }
.mega__title { font-size: var(--fs-xs); text-transform: uppercase; letter-spacing: .08em; color: var(--c-text-3); margin-bottom: var(--s-3); font-weight: 700; }
.mega__list + .mega__title { margin-top: var(--s-6); }
.mega__list { display: grid; gap: 2px; }
.mega__list a { display: flex; align-items: center; gap: var(--s-3); min-height: 44px; padding: .4rem .6rem; border-radius: var(--r-sm); color: var(--c-navy); font-weight: 500; text-decoration: none; }
.mega__list a:hover { background: var(--c-brand-soft); color: var(--c-brand-strong); }
.mega__list .icon { color: var(--c-brand); }
.mega__count { margin-left: auto; font-size: var(--fs-xs); color: var(--c-text-3); font-variant-numeric: tabular-nums; background: var(--c-surface-2); border-radius: var(--r-pill); padding: .05rem .5rem; }
@media (min-width: 640px) { .mega__list--cols { grid-template-columns: repeat(2, 1fr); column-gap: var(--s-4); } }
@media (min-width: 900px) {
  .mega { grid-template-columns: 2fr 1fr; gap: var(--s-10); }
  .mega__list--cols { grid-template-columns: repeat(3, 1fr); }
}
@media (min-width: 1080px) { .primary-nav { display: block; } }
@media (max-width: 479px) {
  .brand img { height: 34px; }
  .menu-toggle__label { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
  .menu-toggle { padding-inline: .7rem; }
}

/* Search form */
.search-form { display: flex; gap: var(--s-2); align-items: center; position: relative; }
.search-form .input { flex: 1; min-width: 0; }
.search-form--hero { margin-top: var(--s-8); max-width: 680px; padding: 6px; background: #fff; border: 1px solid var(--c-line-strong); border-radius: var(--r-lg); box-shadow: var(--shadow-md); }
.search-form--hero .input { border: 0; box-shadow: none; padding-left: 2.6rem; min-height: 48px; }
.search-form--hero .input:focus { box-shadow: none; }
.search-form--hero:focus-within { border-color: var(--c-brand); box-shadow: var(--ring), var(--shadow-md); }
.search-form__icon { position: absolute; left: 1rem; color: var(--c-text-3); pointer-events: none; }
.search-form--page { margin-top: var(--s-6); }
@media (max-width: 479px) { .search-form--hero .btn, .search-form--page .btn { padding-inline: .9rem; } .search-form .btn span { display: none; } }

/* Hero (home) */
.hero { position: relative; overflow: hidden; background:
  radial-gradient(900px 380px at 85% -10%, rgba(10, 132, 236, .10), transparent 70%),
  linear-gradient(180deg, var(--c-brand-softer), #fff 85%); border-bottom: 1px solid var(--c-line); }
.hero__inner { padding-block: clamp(2.75rem, 2rem + 4vw, 5.5rem) clamp(2.25rem, 1.8rem + 2vw, 3.5rem); }
.hero__title { font-size: var(--fs-4xl); line-height: var(--lh-tight); max-width: 18ch; letter-spacing: -.025em; }
.hero__lead { margin-top: var(--s-5); font-size: clamp(1.0625rem, 1rem + .35vw, 1.25rem); color: var(--c-text-2); max-width: 60ch; }
.hero__popular { display: flex; flex-wrap: wrap; align-items: center; gap: var(--s-3); margin-top: var(--s-5); }
.hero__popular-label { font-size: var(--fs-sm); font-weight: 600; color: var(--c-text-3); }
.stats { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: var(--s-3); margin: var(--s-10) 0 0; max-width: 760px; }
.stats__item { padding: var(--s-4); background: rgba(255, 255, 255, .8); border: 1px solid var(--c-line); border-radius: var(--r-md); }
.stats dt { font-size: var(--fs-sm); color: var(--c-text-3); font-weight: 500; }
.stats dd { margin: 0; font-size: var(--fs-2xl); font-weight: 750; color: var(--c-navy); font-variant-numeric: tabular-nums; letter-spacing: -.02em; order: -1; }
.stats__item { display: flex; flex-direction: column-reverse; }
@media (min-width: 720px) { .stats { grid-template-columns: repeat(4, minmax(0, 1fr)); } }

/* Page head */
.page-head { background: linear-gradient(180deg, var(--c-brand-softer), #fff); border-bottom: 1px solid var(--c-line); padding-block: var(--s-6) clamp(1.75rem, 1.3rem + 2vw, 2.75rem); }
.page-head__title { font-size: var(--fs-3xl); line-height: var(--lh-tight); letter-spacing: -.022em; max-width: 30ch; }
.page-head__lead { margin-top: var(--s-4); font-size: clamp(1.0625rem, 1rem + .3vw, 1.2rem); color: var(--c-text-2); max-width: 68ch; }
.page-head--error { padding-block: var(--s-12); }
.breadcrumbs { margin-bottom: var(--s-5); font-size: var(--fs-sm); }
.breadcrumbs ol { display: flex; flex-wrap: wrap; align-items: center; gap: var(--s-1) var(--s-2); }
.breadcrumbs li { display: inline-flex; align-items: center; gap: var(--s-2); color: var(--c-text-3); min-width: 0; }
.breadcrumbs a { color: var(--c-text-2); text-decoration: none; }
.breadcrumbs a:hover { color: var(--c-brand); text-decoration: underline; }
.breadcrumbs [aria-current] { color: var(--c-text-3); overflow: hidden; text-overflow: ellipsis; white-space: nowrap; max-width: 46ch; }
.meta-row { display: flex; flex-wrap: wrap; gap: var(--s-2) var(--s-5); margin-top: var(--s-5); font-size: var(--fs-sm); color: var(--c-text-3); }
.meta-row li { display: inline-flex; align-items: center; gap: var(--s-2); }
.meta-row a { color: var(--c-text-2); }

/* Cards: category / tool / region / guide */
.category-grid, .tool-grid, .region-grid { display: grid; gap: var(--s-3); }
.category-grid { grid-template-columns: repeat(auto-fill, minmax(min(100%, 220px), 1fr)); }
.tool-grid { grid-template-columns: repeat(auto-fill, minmax(min(100%, 300px), 1fr)); gap: var(--s-4); }
.region-grid { grid-template-columns: repeat(auto-fill, minmax(min(100%, 230px), 1fr)); gap: var(--s-4); }
.category-card, .tool-card, .region-card, .guide-card {
  display: flex; height: 100%; text-decoration: none; color: var(--c-text); background: #fff;
  border: 1px solid var(--c-line); border-radius: var(--r-lg); box-shadow: var(--shadow-xs);
  transition: border-color var(--dur) var(--ease), box-shadow var(--dur) var(--ease), transform var(--dur) var(--ease);
}
.category-card:hover, .tool-card:hover, .region-card:hover, .guide-card:hover { border-color: var(--c-brand-line); box-shadow: var(--shadow-md); color: var(--c-text); text-decoration: none; }
@media (prefers-reduced-motion: no-preference) {
  .category-card:hover, .tool-card:hover, .region-card:hover, .guide-card:hover { transform: translateY(-2px); }
}
.category-card { align-items: center; gap: var(--s-3); padding: var(--s-4); flex-wrap: wrap; }
.category-card__icon, .tool-card__icon {
  display: grid; place-items: center; width: 44px; height: 44px; border-radius: var(--r-md);
  background: var(--c-brand-soft); color: var(--c-brand); flex: none;
}
.category-card__name { font-weight: 650; color: var(--c-navy); line-height: 1.3; flex: 1; min-width: 0; }
.category-card__count { width: 100%; padding-left: calc(44px + var(--s-3)); margin-top: calc(-1 * var(--s-3)); font-size: var(--fs-sm); color: var(--c-text-3); }
.category-card:hover .category-card__name { color: var(--c-brand-strong); }
.tool-card { flex-direction: column; gap: var(--s-3); padding: var(--s-6); }
.tool-card__title { font-size: var(--fs-lg); font-weight: 700; color: var(--c-navy); line-height: 1.3; }
.tool-card__desc { color: var(--c-text-2); font-size: var(--fs-sm); flex: 1; }
.tool-card__cta, .region-card__cta { display: inline-flex; align-items: center; gap: var(--s-1); font-weight: 600; font-size: var(--fs-sm); color: var(--c-brand); }
.region-card { flex-direction: column; gap: var(--s-2); padding: var(--s-6); }
.region-card__name { font-weight: 700; font-size: var(--fs-lg); color: var(--c-navy); }
.region-card__topics { flex: 1; font-size: var(--fs-sm); color: var(--c-text-2); line-height: 1.55; }
.guide-list { display: grid; gap: var(--s-3); grid-template-columns: repeat(auto-fill, minmax(min(100%, 320px), 1fr)); }
.guide-card { flex-direction: column; gap: var(--s-2); padding: var(--s-5); }
.guide-card__eyebrow { font-size: var(--fs-xs); font-weight: 700; text-transform: uppercase; letter-spacing: .06em; color: var(--c-brand-strong); }
.guide-card__title { font-weight: 650; color: var(--c-navy); line-height: 1.35; }
.guide-card:hover .guide-card__title { color: var(--c-brand-strong); }
.guide-card__desc { color: var(--c-text-2); font-size: var(--fs-sm); line-height: 1.55; flex: 1; }
.guide-card__more { display: inline-flex; align-items: center; gap: var(--s-1); font-size: var(--fs-sm); font-weight: 600; color: var(--c-brand); }
.guide-list--compact { gap: var(--s-2); grid-template-columns: repeat(auto-fill, minmax(min(100%, 340px), 1fr)); }
.guide-list--compact .guide-card { padding: .8rem 1rem; flex-direction: row; align-items: center; justify-content: space-between; border-radius: var(--r-md); }
.guide-list--compact .guide-card__title { font-weight: 550; font-size: .9375rem; }
.guide-list--compact .guide-card__more { font-size: 0; }
.guide-list--compact .guide-card__more .icon { width: 1rem; height: 1rem; }
.filter { position: relative; width: min(100%, 320px); }
.filter .input { padding-left: 2.25rem; }
.filter__icon { position: absolute; left: .75rem; top: 50%; transform: translateY(-50%); color: var(--c-text-3); pointer-events: none; }
.filter__empty { margin-top: var(--s-4); color: var(--c-text-3); }
.empty-state { text-align: center; padding: var(--s-10) var(--s-4); border: 1px dashed var(--c-line-strong); border-radius: var(--r-lg); background: var(--c-surface-2); }
.empty-state h2 { font-size: var(--fs-xl); margin-bottom: var(--s-2); }
.empty-state p { color: var(--c-text-2); }
.search-summary { margin-top: var(--s-4); color: var(--c-text-2); }
.pagination { display: flex; align-items: center; justify-content: center; gap: var(--s-4); margin-top: var(--s-8); color: var(--c-text-2); font-size: var(--fs-sm); }
.error-links { margin-top: var(--s-5); color: var(--c-text-3); }

/* Article layout + TOC */
.article-layout { display: grid; gap: var(--s-10); padding-block: var(--s-8) var(--s-12); }
.article-main { min-width: 0; max-width: var(--container-narrow); }
.article-aside { display: grid; gap: var(--s-6); align-content: start; }
.toc { border: 1px solid var(--c-line); border-radius: var(--r-lg); background: var(--c-surface-2); }
.toc ol { list-style: none; margin: 0; padding: 0 var(--s-2) var(--s-3); counter-reset: toc; }
.toc li a { display: block; padding: .4rem .6rem; border-radius: var(--r-sm); color: var(--c-text-2); font-size: var(--fs-sm); line-height: 1.4; text-decoration: none; }
.toc li a:hover { background: #fff; color: var(--c-brand-strong); }
.toc li a.is-active { color: var(--c-brand-strong); background: var(--c-brand-soft); font-weight: 600; }
.toc--inline { margin-bottom: var(--s-8); }
.toc--inline summary { display: flex; align-items: center; gap: var(--s-2); padding: var(--s-3) var(--s-4); font-weight: 650; cursor: pointer; color: var(--c-navy); list-style: none; min-height: 48px; }
.toc--inline summary::-webkit-details-marker { display: none; }
.toc--sticky { display: none; }
.aside-title { font-size: var(--fs-xs); text-transform: uppercase; letter-spacing: .08em; color: var(--c-text-3); padding: var(--s-4) var(--s-4) var(--s-2); }
.aside-box { border: 1px solid var(--c-line); border-radius: var(--r-lg); padding-bottom: var(--s-3); }
.aside-links { display: grid; padding: 0 var(--s-2); }
.aside-links a { display: flex; align-items: center; gap: var(--s-2); min-height: 40px; padding: .35rem .6rem; border-radius: var(--r-sm); font-size: var(--fs-sm); font-weight: 550; color: var(--c-navy); text-decoration: none; }
.aside-links a:hover { background: var(--c-brand-soft); color: var(--c-brand-strong); }
.aside-links .icon { color: var(--c-brand); }
.article-disclaimer { margin-top: var(--s-10); }
@media (min-width: 1024px) {
  .article-layout { grid-template-columns: minmax(0, 1fr) 300px; gap: var(--s-12); }
  .article-aside { position: sticky; top: calc(var(--header-h) + var(--s-6)); max-height: calc(100vh - var(--header-h) - 3rem); overflow-y: auto; }
  .toc--sticky { display: block; }
  .toc--inline { display: none; }
}

/* FAQ accordion */
.faq { margin-top: var(--s-12); }
.faq > h2 { font-size: var(--fs-2xl); margin-bottom: var(--s-5); }
.faq__list { display: grid; gap: var(--s-3); }
.faq__item { border: 1px solid var(--c-line); border-radius: var(--r-md); background: #fff; transition: border-color var(--dur) var(--ease), box-shadow var(--dur) var(--ease); }
.faq__item[open] { border-color: var(--c-brand-line); box-shadow: var(--shadow-sm); }
.faq__item summary { display: flex; align-items: center; justify-content: space-between; gap: var(--s-4); padding: var(--s-4) var(--s-5); cursor: pointer; font-weight: 650; color: var(--c-navy); list-style: none; min-height: 52px; line-height: 1.4; }
.faq__item summary::-webkit-details-marker { display: none; }
.faq__item summary:hover { color: var(--c-brand-strong); }
.faq__chevron { color: var(--c-text-3); transition: transform var(--dur) var(--ease); }
.faq__item[open] .faq__chevron { transform: rotate(180deg); color: var(--c-brand); }
.faq__answer { padding: 0 var(--s-5) var(--s-5); color: var(--c-text-2); }
.faq__answer > * + * { margin-top: var(--s-3); }
.faq__answer ul, .faq__answer ol { padding-left: 1.25rem; }

/* Calculator */
.calculator { display: grid; gap: 0; border: 1px solid var(--c-line); border-radius: var(--r-xl); background: #fff; box-shadow: var(--shadow-md); overflow: hidden; }
.calculator__form { padding: clamp(1.25rem, 1rem + 1.5vw, 2rem); }
.calculator__title { font-size: var(--fs-lg); margin-bottom: var(--s-5); }
.calculator__form .alert { margin-bottom: var(--s-5); }
.calculator__submit { margin-top: var(--s-6); }
.calculator__result { padding: clamp(1.25rem, 1rem + 1.5vw, 2rem); background: linear-gradient(160deg, var(--c-navy) 0%, #13306b 100%); color: #e6ecf7; display: flex; flex-direction: column; }
.calculator__result-label { font-size: var(--fs-sm); font-weight: 600; text-transform: uppercase; letter-spacing: .08em; color: #a9b7d0; }
.calculator__value { margin-top: var(--s-2); font-size: clamp(1.75rem, 1.3rem + 2.2vw, 2.75rem); font-weight: 750; letter-spacing: -.02em; color: #fff; font-variant-numeric: tabular-nums; line-height: 1.15; overflow-wrap: anywhere; }
.calculator__note { margin-top: var(--s-2); color: #c5d0e4; font-size: var(--fs-sm); }
.calculator__notes { margin-top: var(--s-6) !important; display: grid; gap: var(--s-3); padding-top: var(--s-5) !important; border-top: 1px solid rgba(255, 255, 255, .14); }
.calculator__notes li { display: flex; gap: var(--s-2); font-size: var(--fs-sm); color: #c5d0e4; line-height: 1.5; }
.calculator__notes .icon { margin-top: .15rem; color: #7fb6ff; }
.calculator__formula { margin-top: var(--s-5); font-size: var(--fs-sm); color: #c5d0e4; }
.calculator__formula summary { cursor: pointer; font-weight: 600; color: #fff; min-height: 32px; }
.calculator__formula p { margin-top: var(--s-2); }
.calculator__result :focus-visible { outline-color: #fff; }
.calculator.is-updated .calculator__value { animation: pulse .5s var(--ease); }
@keyframes pulse { from { opacity: .45; } to { opacity: 1; } }
@media (prefers-reduced-motion: reduce) { .calculator.is-updated .calculator__value { animation: none; } }
@media (min-width: 880px) { .calculator { grid-template-columns: 1.1fr 1fr; } }

/* Consent + sponsored bar + deal dialog */
.consent {
  position: fixed; z-index: 70; left: var(--s-4); right: var(--s-4); bottom: var(--s-4); max-width: 560px;
  display: flex; flex-wrap: wrap; align-items: center; gap: var(--s-3) var(--s-4); padding: var(--s-4) var(--s-5);
  background: var(--c-navy); color: #e6ecf7; border-radius: var(--r-lg); box-shadow: var(--shadow-lg); font-size: var(--fs-sm);
}
.consent p { flex: 1 1 260px; }
.consent a { color: #fff; }
.consent__actions { display: flex; gap: var(--s-2); }
.consent .btn--ghost { --btn-fg: #fff; --btn-line: rgba(255, 255, 255, .4); }
.consent .btn--ghost:hover { background: rgba(255, 255, 255, .1); color: #fff; }
.has-promo .consent { bottom: calc(var(--promo-h, 72px) + var(--s-3)); }
@media (max-width: 639px) {
  .consent { left: var(--s-2); right: var(--s-2); bottom: var(--s-2); padding: var(--s-3) var(--s-4); gap: var(--s-2) var(--s-3); flex-wrap: nowrap; font-size: var(--fs-xs); line-height: 1.45; }
  .consent p { flex: 1 1 auto; }
  .breadcrumbs li:last-child { display: none; }
  .breadcrumbs li:nth-last-child(2) .icon { display: none; }
}
.promo-bar { position: fixed; z-index: 60; left: 0; right: 0; bottom: 0; background: #fff; border-top: 1px solid var(--c-line-strong); box-shadow: 0 -8px 24px -12px rgba(18, 28, 51, .25); }
.promo-bar__inner { display: flex; align-items: center; gap: var(--s-3); padding-block: var(--s-2); }
.promo-bar__badge { flex: none; font-size: var(--fs-xs); font-weight: 700; color: var(--c-text-3); border: 1px solid var(--c-line-strong); border-radius: var(--r-sm); padding: 0 .35rem; }
.promo-bar__text { flex: 1; min-width: 0; font-size: var(--fs-sm); line-height: 1.35; }
.promo-bar__text strong { color: var(--c-navy); margin-right: var(--s-2); }
.promo-bar__text span { color: var(--c-text-2); }
.promo-bar__disclosure { text-align: center; font-size: 11px; color: var(--c-text-3); padding: 0 var(--gutter) var(--s-1); }
@media (max-width: 559px) { .promo-bar__text span { display: none; } }
.has-promo { padding-bottom: var(--promo-h, 72px); }
.deal-dialog { position: fixed; inset: 0; z-index: 80; display: grid; place-items: center; padding: var(--s-4); background: rgba(18, 28, 51, .55); }
.deal-dialog__box { position: relative; width: min(100%, 380px); background: #fff; border-radius: var(--r-xl); padding: var(--s-5); box-shadow: var(--shadow-lg); display: grid; gap: var(--s-4); }
.deal-dialog__box img { width: 100%; height: auto; border-radius: var(--r-md); }
.deal-dialog__close { position: absolute; top: var(--s-2); right: var(--s-2); background: rgba(255, 255, 255, .92); }
.deal-dialog__disclosure { font-size: var(--fs-xs); color: var(--c-text-3); text-align: center; }

/* Footer */
.site-footer { margin-top: var(--s-16); background: var(--c-surface-2); border-top: 1px solid var(--c-line); font-size: var(--fs-sm); }
.page-home .site-footer, .page-category .site-footer { margin-top: 0; }
.site-footer__grid { display: grid; gap: var(--s-8); padding-block: var(--s-12) var(--s-10); }
.site-footer__brand { display: grid; gap: var(--s-4); align-content: start; max-width: 380px; }
.brand--footer img { height: 38px; width: auto; }
.site-footer__about { color: var(--c-text-2); }
.site-footer__contact { display: flex; align-items: center; gap: var(--s-2); color: var(--c-text-2); }
.social { display: flex; gap: var(--s-1); margin-left: -10px !important; }
.social .icon-btn { color: var(--c-text-2); }
.site-footer__heading { font-size: var(--fs-xs); text-transform: uppercase; letter-spacing: .08em; color: var(--c-navy); margin-bottom: var(--s-3); }
.site-footer__col ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 2px; }
.site-footer__col a { display: inline-flex; align-items: center; min-height: 32px; color: var(--c-text-2); text-decoration: none; }
.site-footer__col a:hover { color: var(--c-brand-strong); text-decoration: underline; }
.site-footer__bottom { border-top: 1px solid var(--c-line); padding-block: var(--s-6); color: var(--c-text-3); font-size: var(--fs-xs); }
.site-footer__bottom .container { display: grid; gap: var(--s-2); }
.site-footer__note { max-width: 90ch; }
@media (min-width: 720px) { .site-footer__grid { grid-template-columns: repeat(3, 1fr); } .site-footer__brand { grid-column: 1 / -1; } }
@media (min-width: 1080px) { .site-footer__grid { grid-template-columns: 1.6fr repeat(3, 1fr); } .site-footer__brand { grid-column: auto; } }

/* ---------- 5. Prose (migrated CMS content) ---------- */
.prose { font-size: var(--fs-md); color: var(--c-text-2); overflow-wrap: break-word; }
.prose > * + * { margin-top: 1.1em; }
.prose h2 { font-size: var(--fs-2xl); margin-top: 2.2em; color: var(--c-navy); }
.prose h3 { font-size: var(--fs-lg); margin-top: 1.8em; }
.prose h4, .prose h5, .prose h6 { font-size: var(--fs-md); margin-top: 1.6em; }
.prose h2 + *, .prose h3 + *, .prose h4 + * { margin-top: .7em; }
.prose > :first-child { margin-top: 0; }
.prose strong, .prose b { color: var(--c-navy); font-weight: 650; }
.prose ul, .prose ol { padding-left: 1.35em; }
.prose li + li { margin-top: .5em; }
.prose li::marker { color: var(--c-brand); }
.prose .link-list, .prose .card-grid, .prose .guide-list { padding-left: 0; list-style: none; }
.prose a { font-weight: 500; }
.prose blockquote { margin-inline: 0; padding: var(--s-4) var(--s-5); border-left: 4px solid var(--c-brand); background: var(--c-brand-softer); border-radius: 0 var(--r-md) var(--r-md) 0; color: var(--c-navy); }
.prose hr { border: 0; border-top: 1px solid var(--c-line); margin-block: 2em; }
.prose img { border-radius: var(--r-md); height: auto; margin-inline: auto; }
.prose small { font-size: var(--fs-sm); }
.prose code { font-family: var(--font-mono); font-size: .9em; background: var(--c-surface-3); padding: .1em .35em; border-radius: 4px; }
.prose details { border: 1px solid var(--c-line); border-radius: var(--r-md); padding: var(--s-3) var(--s-4); }
.prose summary { font-weight: 650; color: var(--c-navy); cursor: pointer; }

/* Data tables */
.table-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; border: 1px solid var(--c-line); border-radius: var(--r-lg); background: #fff; box-shadow: var(--shadow-xs); }
.table-wrap:focus-visible { outline-offset: 0; }
.prose table, .table { width: 100%; min-width: 520px; font-size: var(--fs-sm); line-height: 1.5; font-variant-numeric: tabular-nums; }
.prose th, .table th { text-align: left; font-weight: 650; color: var(--c-navy); background: var(--c-surface-2); padding: .75rem 1rem; border-bottom: 1px solid var(--c-line-strong); white-space: nowrap; }
.prose td, .table td { padding: .7rem 1rem; border-bottom: 1px solid var(--c-line); vertical-align: top; color: var(--c-text-2); }
.prose tbody tr:last-child td, .table tbody tr:last-child td { border-bottom: 0; }
.prose tbody tr:nth-child(even) td { background: #fafbfd; }
.prose td:first-child { color: var(--c-navy); font-weight: 550; }
.prose caption { caption-side: top; text-align: left; padding: .75rem 1rem 0; font-weight: 600; color: var(--c-navy); }

/* Callouts: answer | note | tip | warning | author */
.callout { position: relative; padding: var(--s-5) var(--s-6); border-radius: var(--r-lg); border: 1px solid var(--c-line); background: var(--c-surface-2); color: var(--c-text-2); }
.callout > * + * { margin-top: .7em; }
.callout h2, .callout h3, .callout h4 { margin-top: 0; font-size: var(--fs-lg); }
.callout--answer { background: var(--c-brand-soft); border-color: var(--c-brand-line); border-left: 4px solid var(--c-brand); color: var(--c-navy); }
.callout--answer::before { content: "Quick answer"; display: block; margin-bottom: .5em; font-size: var(--fs-xs); font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--c-brand-strong); }
.callout--answer:has(> h2:first-child, > h3:first-child)::before { content: none; }
.callout--note { font-size: var(--fs-sm); background: var(--c-surface-2); }
.callout--tip { background: var(--c-success-bg); border-color: #bfe5cf; }
.callout--warning { background: var(--c-warning-bg); border-color: var(--c-warning-line); color: #5c3600; }
.callout--author { background: #fff; border-style: dashed; font-size: var(--fs-sm); }
.lead { font-size: 1.1em; color: var(--c-text-2); }

/* Content card grids (stat cards, factor cards from legacy pages) */
.card-grid { display: grid; gap: var(--s-3); grid-template-columns: repeat(auto-fit, minmax(min(100%, 200px), 1fr)); }
.prose .card-grid > * + * { margin-top: 0; }
.card { padding: var(--s-5); border: 1px solid var(--c-line); border-radius: var(--r-lg); background: #fff; box-shadow: var(--shadow-xs); font-size: var(--fs-base); }
.card > * + * { margin-top: .55em; }
.card h3, .card h4 { font-size: var(--fs-md); margin-top: 0; }
.card > :first-child { margin-top: 0; }
.stat__value { display: block; font-size: var(--fs-xl); font-weight: 750; letter-spacing: -.02em; color: var(--c-brand-strong); font-variant-numeric: tabular-nums; line-height: 1.2; }
.stat__label { display: block; font-size: var(--fs-sm); color: var(--c-text-3); }
.link-list { display: grid; gap: var(--s-2); grid-template-columns: repeat(auto-fill, minmax(min(100%, 260px), 1fr)); }
.link-list li { margin: 0 !important; }
.link-list a { display: flex; align-items: center; min-height: 48px; padding: .6rem .9rem; border: 1px solid var(--c-line); border-radius: var(--r-md); background: #fff; text-decoration: none; font-weight: 550; color: var(--c-navy); }
.link-list a:hover { border-color: var(--c-brand-line); color: var(--c-brand-strong); }
.prose--home { max-width: none; }
.prose--home h2 { font-size: var(--fs-2xl); }
.prose--home > p { max-width: 75ch; }

/* ---------- 6. Utilities ---------- */
.debug { white-space: pre-wrap; font-size: 12px; background: var(--c-surface-3); padding: var(--s-4); border-radius: var(--r-md); overflow-x: auto; }
.text-muted { color: var(--c-text-3); }

@media print {
  .site-header, .site-footer, .consent, .promo-bar, .deal-dialog, .article-aside, .toc, .skip-link { display: none !important; }
  .prose { font-size: 11pt; color: #000; }
  a { color: #000; }
}