/* Site-wide information architecture, reading rhythm and accessible navigation. */
:root{--brand:#1268c4;--ink:#142b45;--muted:#4a6076;--line:#d9e3ed;--paper:#fff;--wash:#f2f6fa;--accent:#08765f}
html{scroll-padding-top:115px}body{color:var(--ink);background:#f8fafc;line-height:1.65}a{color:var(--brand)}button,input,select{font:inherit}img,svg,canvas{max-width:100%}main{min-width:0}section[id],article section[id]{scroll-margin-top:110px}
a:focus-visible,button:focus-visible,summary:focus-visible,[tabindex="0"]:focus-visible{outline:3px solid #cf7a10;outline-offset:4px}input:focus-visible,select:focus-visible{outline:3px solid #8bbbec;outline-offset:2px}
.wrap{width:min(1180px,calc(100% - 48px));max-width:1180px;margin-inline:auto}.skip-link{position:fixed;left:16px;top:-100px;padding:12px 20px;background:#fff;z-index:1000;border:2px solid var(--brand)}.skip-link:focus{top:12px}
.site-header{position:sticky;top:0;background:#fffffffa;backdrop-filter:blur(12px);border-bottom:1px solid var(--line);z-index:50}.site-header .nav{min-height:82px;height:auto;padding-block:16px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{flex-shrink:0}.brand small{font-size:10px;letter-spacing:.04em;color:var(--muted)}.site-header .main-menu{display:flex;gap:18px;align-items:center}.main-menu a{font-size:14px;font-weight:650;white-space:nowrap;color:var(--muted);padding:8px 0;text-decoration:none}.main-menu a[aria-current]{color:var(--brand);box-shadow:0 2px var(--brand)}.menu-toggle{border:1px solid var(--line);border-radius:8px;background:white;color:var(--ink);padding:8px 14px;min-height:44px;font-weight:700}
.eyebrow{display:block;color:var(--accent);font-size:12px;font-weight:800;letter-spacing:.09em;text-transform:uppercase;margin-bottom:14px}.home-hero{display:grid;grid-template-columns:1.25fr 1fr;gap:64px;align-items:center;padding-block:72px}.home-hero h1{font-size:clamp(34px,4.8vw,58px);line-height:1.12;letter-spacing:-.04em;margin:0 0 24px;max-width:760px}.home-hero>div>p{font-size:19px;line-height:1.7;max-width:650px;color:var(--muted)}.hero-actions{display:flex;align-items:center;flex-wrap:wrap;gap:22px;margin-top:30px}.primary-link{display:inline-block;background:var(--brand);color:#fff!important;border:1px solid var(--brand);border-radius:9px;padding:12px 18px;font-weight:700;text-decoration:none}.text-link{font-weight:700}.hero-panel{background:#fff;border:1px solid var(--line);border-radius:18px;padding:30px;box-shadow:0 16px 50px #142b4508}.hero-panel a{display:flex;justify-content:space-between;gap:12px;align-items:center;min-height:66px;border-bottom:1px solid var(--line);font-weight:700;text-decoration:none;color:var(--ink)}.hero-panel a span{color:var(--brand)}.hero-panel p{font-size:12px;color:var(--muted);margin:20px 0 0}
.section{padding-block:35px}.section h2,.section-heading h2{font-size:27px;letter-spacing:-.025em;margin:0 0 20px}.section-heading{display:flex;justify-content:space-between;align-items:end;gap:20px;margin-bottom:22px}.section-heading h2{margin:0}.section-heading a{font-size:14px;font-weight:700}.section-intro{color:var(--muted);max-width:700px;margin-bottom:24px}.category-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px}.category-card{background:var(--ink);border:1px solid var(--ink);border-radius:12px;padding:24px;color:white;text-decoration:none;display:flex;flex-direction:column}.category-card:hover{background:#1c3b5f}.category-number{color:#a9cbea;font-size:12px;letter-spacing:.1em}.category-card h3{font-size:22px;margin:14px 0 10px;color:white}.category-card p{font-size:14px;line-height:1.7;color:#deebf7;flex:1;margin:0 0 20px}.category-card strong{font-size:13px;color:#fff}.resource-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}.resource-card{min-width:0;display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:12px;padding:24px;text-decoration:none;color:var(--ink);transition:border-color .15s,box-shadow .15s}.resource-card:hover{border-color:#87add4;box-shadow:0 5px 20px #193d6810}.resource-card .eyebrow{font-size:10px;margin-bottom:12px}.resource-card h3{font-size:19px;line-height:1.35;margin:0 0 12px;color:var(--ink)}.resource-card p{margin:0 0 22px;font-size:14px;color:var(--muted);line-height:1.65;flex:1}.card-action{font-size:13px;color:var(--brand);font-weight:750}.space-heading{margin-top:34px!important}.learning-band{display:grid;grid-template-columns:1.3fr 1fr;gap:64px;background:#eaf3fb;border:1px solid #d9e8f5;border-radius:16px;padding:36px;margin-block:28px}.learning-band h2{max-width:520px}.learning-band p{color:var(--muted)}.learning-band ol{list-style:none;padding:0;margin:0;display:grid;gap:16px;counter-reset:steps}.learning-band li{display:grid;grid-template-columns:32px 1fr;column-gap:14px;counter-increment:steps}.learning-band li:before{content:counter(steps);grid-row:span 2;background:white;border-radius:50%;width:30px;height:30px;text-align:center;color:var(--brand);font-weight:800}.learning-band li span{grid-column:2;color:var(--muted);font-size:14px}.trust-panel{border-top:1px solid var(--line);padding-top:30px;max-width:900px}.inline-links{display:flex;flex-wrap:wrap;gap:20px;font-weight:650}
.tool-hero{background:#eef4fa;border-bottom:1px solid var(--line);padding:30px 0 36px}.tool-hero h1{font-size:clamp(29px,3.5vw,44px);line-height:1.16;letter-spacing:-.035em;max-width:900px;margin:18px 0}.tool-hero p{max-width:820px;font-size:18px;color:var(--muted)}.tool-hero .scope-note{font-size:13px;line-height:1.65;margin:18px 0 0;max-width:800px;border-left:3px solid #83a9ce;padding-left:14px}.breadcrumbs{display:flex;align-items:baseline;flex-wrap:wrap;gap:8px;font-size:12px;line-height:1.5;margin-bottom:25px;color:var(--muted)}.breadcrumbs a{color:var(--muted)}.tool-hero .eyebrow{margin-top:26px}.page-jumps{display:flex;gap:8px;flex-wrap:wrap;padding-block:20px}.page-jumps a{font-size:13px;font-weight:650;background:white;border:1px solid var(--line);border-radius:6px;padding:7px 12px;text-decoration:none}.tool-layout{padding-top:12px;align-items:start;gap:26px}.calc-card{min-width:0;border:1px solid var(--line);box-shadow:0 3px 14px #12335506}.calc-card h2{font-size:24px;margin:0 0 8px}.form-intro{font-size:13px;color:var(--muted);margin:0 0 24px}.calc-card .field label{font-weight:700;font-size:14px}.hint{display:block;color:#536779!important;font-size:12px;line-height:1.5;min-height:18px;margin-top:6px}.calc-card input,.calc-card select{min-height:46px;width:100%;box-sizing:border-box}.calc-card input[type=checkbox]{width:20px;min-height:20px}.form-grid{gap:21px 18px}.result-card{min-width:0;top:102px;position:sticky}.result-main{overflow-wrap:anywhere;font-size:clamp(26px,3vw,40px)}.result-card .note{font-size:12px;line-height:1.65}.result-card .summary{font-size:14px;line-height:1.65}.example-controls{border-top:1px solid var(--line);margin-top:26px;padding-top:20px;display:flex;align-items:center;gap:12px;flex-wrap:wrap}.example-controls span{font-size:12px;color:var(--muted)}.secondary-button{border:1px solid #99bad9;background:#f2f7fc;color:#134c83;font-size:13px;font-weight:750;padding:11px 15px;border-radius:7px;cursor:pointer;min-height:44px}.secondary-button:hover{background:#e5f0fa}.notice{background:#fff2d7;color:#604019;padding:14px;border-radius:8px;font-size:14px}.field-msg{font-size:12px;line-height:1.5}
.reading-layout{display:grid;grid-template-columns:minmax(0,800px) 260px;justify-content:space-between;gap:50px;padding-top:34px}.reading-content{min-width:0;font-size:16px;line-height:1.85}.standalone-reading{max-width:840px;padding-block:38px}.article-section{padding-block:26px;border-bottom:1px solid var(--line)}.article-section h2{font-size:27px;line-height:1.3;letter-spacing:-.02em;margin:0 0 18px}.article-section h3{font-size:20px;line-height:1.4}.article-section p{margin:0 0 18px}.article-section p:last-child{margin-bottom:0}.article-section ul,.article-section ol{padding-left:24px;margin:18px 0}.article-section li{margin:10px 0}.formula{background:#eaf2fa;border-left:3px solid var(--brand);padding:20px;font-size:15px;font-weight:600;overflow-wrap:anywhere;margin-bottom:20px;border-radius:0 8px 8px 0}.reading-side{min-width:0}.side-note{position:sticky;top:110px;border:1px solid var(--line);border-radius:10px;padding:22px;background:white;font-size:13px;line-height:1.7;margin-top:26px}.side-note p{color:var(--muted)}.side-note strong{font-size:15px}.faq-list details{border-bottom:1px solid var(--line);padding:17px 0}.faq-list details:last-child{border:0}.faq-list summary{font-weight:700;cursor:pointer;line-height:1.5;padding-right:10px}.faq-list p{font-size:15px;color:var(--muted);margin:14px 0 0}.editor-note{font-size:13px;line-height:1.8;padding:25px 0;color:var(--muted)}.source-list{font-size:14px}.table-scroll{overflow-x:auto;max-width:100%;margin-block:18px;border:1px solid var(--line);border-radius:9px;background:white}.money-table,.mini-table{width:100%;border-collapse:collapse;font-size:14px;margin:0}.money-table caption{padding:12px 16px;text-align:left;font-weight:700;color:var(--ink);font-size:13px;background:#f5f8fb}.money-table th,.money-table td,.mini-table th,.mini-table td{padding:12px 14px;border-bottom:1px solid var(--line);text-align:left}.money-table thead th,.mini-table thead th{background:#edf3f9;color:var(--ink);font-weight:700}.money-table tbody th{font-weight:500}.money-table tbody tr:last-child>*{border-bottom:0}.money-table td{font-variant-numeric:tabular-nums;white-space:nowrap}.result-card .table-scroll{color:var(--ink)}
.decision-path{list-style:none;padding:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}.decision-path li{display:flex;gap:20px;border-bottom:1px solid var(--line);padding:22px 0}.decision-path h3{margin:0;font-size:20px}.decision-path p{font-size:14px;color:var(--muted);margin:8px 0}.decision-path a{font-size:14px;font-weight:700}.step-number{flex-shrink:0;width:34px;height:34px;background:#e4effb;border-radius:50%;text-align:center;line-height:34px;color:var(--brand);font-weight:800}.guide-layout{grid-template-columns:minmax(0,800px) 260px;gap:45px}.guide-article{font-size:16px;line-height:1.85;padding:30px}.guide-article h2{font-size:25px;line-height:1.3;margin-top:30px}.guide-side{min-width:0}.guide-side a{font-size:13px;line-height:1.6}.guide-side ul{padding-left:18px}.guide-side li{margin:12px 0}.guide-article .author-box,.guide-article .content-card{box-shadow:none}.article-meta{font-size:13px;color:var(--muted)}
.footer{background:#eef3f8;border-top:1px solid var(--line);margin-top:45px;padding:42px 0}.footer-columns{display:grid;grid-template-columns:1.35fr 1fr 1fr 1fr;gap:32px}.footer-columns p{font-size:13px;line-height:1.8;color:var(--muted);max-width:260px}.footer-columns nav{display:flex;flex-direction:column;gap:8px}.footer-columns nav strong{font-size:13px;color:var(--ink);margin-bottom:8px}.footer-columns nav a{font-size:12px;color:var(--muted);line-height:1.7}.footer-columns small{font-size:11px;color:var(--muted)}
@media(max-width:1100px){.site-header .nav{gap:14px}.site-header .main-menu{gap:12px}.main-menu a{font-size:12px}.reading-layout,.guide-layout{grid-template-columns:minmax(0,1fr) 230px;gap:30px}.home-hero{gap:30px}.category-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:900px){html{scroll-padding-top:100px}.site-header .nav{flex-wrap:wrap;min-height:72px;padding-block:12px}.site-header .main-menu{display:flex;width:100%;flex-wrap:wrap;gap:8px 20px;padding:10px 0}.main-menu a{font-size:14px}.site-header[data-menu-enhanced] .main-menu{display:none}.site-header[data-menu-enhanced] .main-menu.is-open{display:flex}.menu-toggle:not([hidden]){display:block}.home-hero{grid-template-columns:1fr;padding-block:40px;gap:32px}.hero-panel{padding:24px}.home-hero h1{max-width:700px}.hero-panel a{min-height:52px}.resource-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.tool-layout{grid-template-columns:1fr;gap:20px}.result-card{position:static}.reading-layout,.guide-layout{grid-template-columns:1fr;gap:0}.reading-side{display:none}.guide-side{order:-1;margin-bottom:20px}.guide-side .content-card{padding:18px}.guide-side ul{display:flex;gap:8px 22px;flex-wrap:wrap;list-style:none;padding:0}.guide-side li{margin:0}.guide-side .content-card{position:static}.learning-band{grid-template-columns:1fr;gap:26px}.footer-columns{grid-template-columns:repeat(2,minmax(0,1fr))}.section{padding-block:28px}}
@media(max-width:600px){.wrap{width:calc(100% - 32px)}.site-header .brand{font-size:23px}.site-header .brand small{font-size:9px}.tool-hero{padding:24px 0}.tool-hero p{font-size:16px}.tool-hero h1{font-size:30px}.home-hero h1{font-size:36px}.home-hero>div>p{font-size:17px}.category-grid,.resource-grid,.decision-path{grid-template-columns:1fr}.category-card{padding:22px}.category-card p{margin-bottom:14px}.category-card h3{margin-top:8px}.resource-card{padding:22px}.section-heading{display:block}.section-heading>a{display:inline-block;margin-top:12px}.section h2{font-size:25px}.calc-card,.result-card{padding:22px 18px}.form-grid{grid-template-columns:1fr}.reading-content{font-size:16px;line-height:1.8}.article-section h2{font-size:24px}.article-section{padding-block:23px}.learning-band{padding:26px 22px}.footer-columns{gap:30px 22px}.footer-columns>div:first-child{grid-column:1/-1}.guide-article{padding:24px 18px}.guide-layout{padding-top:18px}.breadcrumbs{font-size:11px}.page-jumps{gap:7px}.page-jumps a{font-size:12px;padding:6px 10px}.formula{padding:17px}.money-table{font-size:13px}.money-table th,.money-table td{padding:10px}.decision-path{gap:0}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto!important}*{transition:none!important;animation:none!important}}
@media print{.site-header,.footer,.cookie-banner,.page-jumps,.reading-side,.example-controls,.secondary-button{display:none!important}.tool-layout,.reading-layout{display:block}.wrap{width:100%;max-width:none}.result-card{break-inside:avoid;position:static}.article-section{break-inside:auto}.table-scroll{overflow:visible}.faq-list details p{display:block!important}}

/* The home offers one category choice; detailed lists live in each category. */
.home-hero--compact{display:block;padding-block:54px 22px}
.home-hero--compact h1{max-width:850px}
.home-hero--compact>div>p{max-width:680px;margin-bottom:14px}
.home-hero--compact>div>.home-caption{font-size:13px;margin:18px 0 0}
.home-guide{display:flex;align-items:center;justify-content:space-between;gap:24px;border:1px solid var(--line);border-radius:12px;background:#eef4fa;padding:24px 28px;margin-block:18px 12px;box-sizing:border-box}
.home-guide strong{font-size:18px}
.home-guide p{font-size:14px;color:var(--muted);margin:6px 0 0;max-width:670px}
.home-guide>a{flex-shrink:0;font-size:14px}
.home-about{border-top:1px solid var(--line);padding-top:18px}
.home-about p{font-size:13px;color:var(--muted);max-width:850px;margin:0}
@media(max-width:600px){.home-hero--compact{padding-block:32px 12px}.home-guide{display:block;padding:22px}.home-guide>a{display:inline-block;margin-top:15px}.home-hero--compact h1{font-size:34px}.home-about{margin-top:8px}}