:root{--navy:#173653;--navy2:#0f2a43;--blue:#178ec0;--blue2:#2ba6cf;--green:#72b644;--gold:#f6c33d;--gold2:#ffcf4f;--ink:#173047;--text:#40566a;--muted:#6d7f8f;--paper:#f6f9fb;--white:#fff;--line:#dce5eb;--max:1400px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:#fff;color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.6;-webkit-font-smoothing:antialiased}a{color:inherit;text-decoration:none}img{max-width:100%;height:auto}.wrap{width:min(calc(100% - 40px),var(--max));margin:auto}.narrow{max-width:850px}.skip{position:absolute;left:-9999px}.skip:focus{left:15px;top:15px;background:#fff;color:#000;padding:10px;z-index:1000}.topline{background:var(--navy2);color:#d9e7f0;font-size:12px}.topline-inner{min-height:34px;display:flex;align-items:center;justify-content:space-between;gap:20px}.topline a{color:#fff;font-weight:700}.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(14px);border-bottom:1px solid #e7edf1;box-shadow:0 4px 18px rgba(16,48,73,.05)}.nav{height:82px;display:flex;align-items:center;justify-content:space-between;gap:34px}.brand{display:flex;align-items:center;flex:0 0 auto}.brand-logo,.custom-logo{display:block;width:auto;max-width:178px;max-height:58px}.nav nav{display:flex;gap:27px;align-items:center;font-size:14px;font-weight:750;color:#274357}.nav nav a:not(.nav-cta):hover{color:var(--blue)}.nav-cta,.btn{display:inline-flex;align-items:center;justify-content:center;background:var(--gold);color:#173047;padding:15px 22px;border-radius:11px;font-weight:850;border:1px solid var(--gold);cursor:pointer;transition:.2s ease;box-shadow:0 8px 18px rgba(246,195,61,.18)}.nav-cta{padding:12px 18px;border-radius:10px}.btn:hover,.nav-cta:hover{transform:translateY(-1px);background:var(--gold2)}.secondary{background:var(--blue);border-color:var(--blue);color:#fff;box-shadow:none}.ghost-light{background:#fff;border-color:#cbdbe5;color:var(--navy);box-shadow:none}.menu-btn{display:none;background:transparent;border:0;padding:8px;color:var(--navy);align-items:center;gap:4px}.menu-btn span{display:block;width:22px;height:2px;background:var(--navy);margin:3px 0}.menu-btn b{margin-left:7px;font-size:13px}.hero-v3{padding:54px 0 62px;background:linear-gradient(135deg,#f7fbfd 0%,#eef7fb 56%,#fef9e9 100%);overflow:hidden}.hero-grid-v3{display:grid;grid-template-columns:.94fr 1.06fr;gap:66px;align-items:center}.eyebrow-row,.section-label{display:flex;align-items:center;gap:9px;color:var(--blue);font-size:12px;letter-spacing:.14em;font-weight:900;text-transform:uppercase;margin-bottom:17px}.sun-dot{width:10px;height:10px;border-radius:50%;background:var(--gold);box-shadow:0 0 0 6px rgba(246,195,61,.16)}h1,h2,h3,p{margin-top:0}h1{font-size:clamp(48px,5.7vw,76px);line-height:.98;letter-spacing:-.055em;margin-bottom:24px;color:var(--navy)}h1 span{color:var(--blue)}h2{font-size:clamp(34px,4vw,54px);line-height:1.04;letter-spacing:-.045em;margin-bottom:22px;color:var(--navy)}h3{color:var(--navy)}.lead{font-size:clamp(18px,1.7vw,21px);color:#4e6577;max-width:700px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin:30px 0 24px}.hero-proof{display:flex;gap:16px 22px;flex-wrap:wrap;font-size:13px;font-weight:700;color:#4e6577}.hero-media{position:relative}.hero-photo{width:100%;height:490px;object-fit:cover;border-radius:30px;display:block;box-shadow:0 28px 70px rgba(23,54,83,.18);background:#d7e9f1}.hero-badge{position:absolute;left:-28px;bottom:28px;width:min(320px,75%);background:#fff;padding:18px 20px;border-radius:16px;box-shadow:0 16px 44px rgba(23,54,83,.18);border-left:5px solid var(--gold)}.hero-badge strong{display:block;color:var(--navy);font-size:17px;margin-bottom:3px}.hero-badge span{display:block;color:#637687;font-size:13px}.intent-strip{background:#fff;border-bottom:1px solid #e7edf1;position:relative;z-index:2}.intent-grid{display:grid;grid-template-columns:repeat(4,1fr);padding:22px 0}.intent-grid a{display:grid;grid-template-columns:42px 1fr;grid-template-rows:auto auto;column-gap:13px;padding:8px 24px;border-right:1px solid #e6edf2;transition:.2s}.intent-grid a:first-child{padding-left:0}.intent-grid a:last-child{border-right:0;padding-right:0}.intent-grid a:hover b{color:var(--blue)}.intent-icon{grid-row:1/3;width:42px;height:42px;border-radius:12px;background:#edf6fa;color:var(--blue);display:grid;place-items:center;font-size:22px;font-weight:900}.intent-grid b{font-size:15px;color:var(--navy)}.intent-grid small{color:#738595;font-size:12px}.section{padding:88px 0}.white{background:#fff}.soft-blue{background:#f2f8fb}.intro-grid,.service-split{display:grid;grid-template-columns:1.04fr .96fr;gap:72px;align-items:center}.intro-copy{font-size:18px;color:var(--text);max-width:700px}.check-grid{display:grid;grid-template-columns:1fr 1fr;gap:11px 20px;margin-top:26px;color:#34536a;font-weight:700;font-size:14px}.fact-panel{display:grid;gap:12px}.fact{display:grid;grid-template-columns:58px 1fr;gap:16px;align-items:center;padding:19px 21px;background:var(--paper);border:1px solid #e5edf2;border-radius:17px}.fact strong{font-size:28px;color:var(--gold)}.fact b{display:block;color:var(--navy);font-size:17px}.fact span{display:block;color:#697d8e;font-size:13px}.section-heading{display:flex;align-items:end;justify-content:space-between;gap:30px;margin-bottom:34px}.section-heading h2{margin-bottom:0}.section-heading>p{max-width:430px;color:#6a7f90;margin-bottom:5px}.tool-grid{display:grid;grid-template-columns:1.15fr .925fr .925fr;gap:18px}.tool-card{background:#fff;border:1px solid #dbe7ed;border-radius:20px;padding:30px;min-height:260px;display:flex;flex-direction:column;box-shadow:0 10px 28px rgba(23,54,83,.05);transition:.2s}.tool-card:hover{transform:translateY(-3px);box-shadow:0 16px 36px rgba(23,54,83,.09)}.tool-card.featured{background:linear-gradient(140deg,var(--navy),#1c567a);color:#fff;border:0}.tool-card h3{font-size:25px;margin:10px 0 12px}.tool-card.featured h3{color:#fff}.tool-card p{color:#6b7f90}.tool-card.featured p{color:#dbe8f1}.tool-kicker{font-size:11px;letter-spacing:.12em;color:var(--gold);font-weight:900}.arrow{margin-top:auto;font-weight:850;color:var(--blue)}.featured .arrow{color:var(--gold)}.service-media{position:relative}.service-photo{width:100%;height:470px;object-fit:cover;border-radius:26px;background:#d6e8ee;box-shadow:0 24px 52px rgba(23,54,83,.14)}.service-chip{position:absolute;left:22px;bottom:22px;background:#fff;padding:12px 16px;border-radius:10px;color:var(--navy);font-weight:800;font-size:13px;box-shadow:0 10px 25px rgba(23,54,83,.13)}.service-copy p{font-size:17px;color:var(--text)}.mini-links{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:25px 0}.mini-links a{padding:12px 0;border-bottom:1px solid #dce6ec;color:#28485f;font-weight:750}.mini-links span{float:right;color:var(--blue)}.navy{background:var(--navy);color:#fff}.navy h2{color:#fff}.section-label.gold{color:var(--gold)}.inverse{align-items:center}.text-link-light,.text-link{font-weight:850;color:var(--blue)}.text-link-light{color:#fff}.faq{display:grid;gap:12px}.faq details{border:1px solid #d9e4ea;border-radius:15px;background:#fff;padding:0 21px}.faq summary{cursor:pointer;font-weight:800;padding:20px 0;font-size:17px;color:var(--navy)}.faq details p{padding:0 0 20px;margin:0;color:#536a7b}.faq-dark{grid-template-columns:1fr 1fr;gap:14px}.faq-dark details{background:#204561;border-color:#315c79}.faq-dark summary{color:#fff}.faq-dark details p{color:#d7e6ef}.guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.guide-grid a{padding:23px;border:1px solid #e0e8ed;border-radius:16px;background:#fff;transition:.2s}.guide-grid a:hover{border-color:#a7cfdf;transform:translateY(-2px)}.guide-grid b{display:block;color:var(--navy);font-size:17px;margin-bottom:6px}.guide-grid span{color:#718494;font-size:13px}.cta-v3{padding:66px 0;background:linear-gradient(120deg,#173653,#155277);color:#fff}.cta-inner{display:flex;align-items:center;justify-content:space-between;gap:40px}.cta-inner h2{color:#fff;margin:0 0 10px}.cta-inner p{color:#d7e7f1;margin-bottom:0;max-width:700px}.page-hero{padding:62px 0;background:linear-gradient(135deg,#f7fbfd,#edf6fa);color:var(--ink)}.page-hero .eyebrow{color:var(--blue)}.page-hero .lead{color:#536b7d}.page-hero .hero-grid{display:grid;grid-template-columns:1fr .9fr;gap:55px;align-items:center}.page-hero .hero-img{width:100%;height:380px;object-fit:cover;border-radius:25px;background:#d9e9ef}.eyebrow,.kicker{display:block;color:var(--blue);font-size:12px;letter-spacing:.15em;font-weight:900;margin-bottom:18px;text-transform:uppercase}.eyebrow.dark{color:var(--blue)}.crumb{display:flex;gap:10px;color:#7f91a0;font-size:13px;margin-bottom:24px}.crumb a{color:var(--blue);font-weight:700}.cards{display:grid;gap:16px}.four{grid-template-columns:repeat(4,1fr)}.three{grid-template-columns:repeat(3,1fr)}.card{display:flex;flex-direction:column;gap:9px;padding:25px;border:1px solid #dfe8ed;border-radius:18px;background:#fff;min-height:135px;transition:.2s;color:var(--ink)}.card:hover{transform:translateY(-3px);border-color:#a8d2e1;box-shadow:0 12px 30px rgba(23,54,83,.06)}.card b{font-size:19px;color:var(--navy)}.card span{color:#718494}.feature{min-height:180px;justify-content:space-between}.light{background:var(--paper);color:var(--ink)}.light p{color:var(--text)}.lime{background:#eef7e8;color:var(--ink)}.textlink{font-weight:850;color:var(--blue);border-bottom:2px solid var(--gold);padding-bottom:4px}.stats{display:grid;gap:14px}.stats div{background:#fff;padding:25px;border-radius:18px;border:1px solid #e2e9ed}.stats strong{display:block;font-size:22px;margin-bottom:5px;color:var(--navy)}.stats span{color:#576c7b}.content-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}.content-grid article{background:#fff;border:1px solid #dfe7ec;border-radius:18px;padding:30px}.content-grid h2{font-size:27px;letter-spacing:-.03em}.quote-form,.calculator{background:#fff;color:var(--ink);padding:34px;border-radius:22px;border:1px solid #dce5eb;box-shadow:0 12px 32px rgba(23,54,83,.06)}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-bottom:22px}.form-grid label,.calculator label{font-size:13px;font-weight:800;color:#294a60}.form-grid input,.form-grid select,.form-grid textarea,.calculator input{display:block;width:100%;margin-top:7px;padding:14px 15px;border:1px solid #c9d7df;border-radius:10px;background:#fbfdfe;font:inherit}.wide{grid-column:1/-1}.small,.source-note{font-size:12px;color:#687d8d!important;margin-top:15px}.success{background:#edf8e7;border:1px solid #b9dda4;color:#2d5a25;padding:16px;border-radius:12px;margin-bottom:20px}.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}.result{margin-top:24px;background:var(--navy);color:#fff;padding:25px;border-radius:16px}.result strong{color:var(--gold);font-size:30px}.prose h2{font-size:30px;margin-top:38px}footer{padding:64px 0 28px;background:#102a41;color:#fff}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:45px}.footer-grid img{max-width:165px;background:#fff;padding:6px;border-radius:4px}.footer-grid p{color:#b9cad5;max-width:400px}.footer-grid h3{font-size:13px;color:var(--gold);text-transform:uppercase;letter-spacing:.1em}.footer-grid a{display:block;color:#d0dde5;margin:9px 0}.footer-grid a:hover{color:#fff}.legal{border-top:1px solid #2c4960;margin-top:45px;padding-top:24px;display:flex;gap:20px;justify-content:space-between;color:#8fa7b7;font-size:11px}.buzz{margin-left:auto}.mobile-cta{display:none}
@media(max-width:980px){.nav nav{display:none;position:absolute;left:20px;right:20px;top:76px;background:#fff;padding:18px;border:1px solid #dce6ec;border-radius:16px;box-shadow:0 16px 40px rgba(23,54,83,.16);flex-direction:column;align-items:stretch}.nav nav.open{display:flex}.nav nav a{padding:8px}.menu-btn{display:flex}.hero-grid-v3,.intro-grid,.service-split,.page-hero .hero-grid{grid-template-columns:1fr;gap:38px}.hero-media{max-width:760px}.hero-photo{height:420px}.intent-grid{grid-template-columns:1fr 1fr}.intent-grid a:nth-child(2){border-right:0}.intent-grid a:nth-child(-n+2){border-bottom:1px solid #e6edf2;padding-bottom:18px}.intent-grid a:nth-child(n+3){padding-top:18px}.tool-grid{grid-template-columns:1fr 1fr}.tool-card.featured{grid-column:1/-1;min-height:220px}.faq-dark{grid-template-columns:1fr}.guide-grid{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1fr 1fr}.mobile-cta{display:block;position:fixed;bottom:12px;left:12px;right:12px;z-index:45}.mobile-cta a{display:block;text-align:center;background:var(--gold);color:var(--navy);font-weight:900;padding:14px;border-radius:12px;box-shadow:0 10px 30px rgba(0,0,0,.22)}footer{padding-bottom:90px}.cta-inner{align-items:flex-start;flex-direction:column}}
@media(max-width:620px){.topline{display:none}.wrap{width:min(calc(100% - 28px),var(--max))}.nav{height:70px}.brand-logo,.custom-logo{max-width:148px;max-height:48px}.hero-v3{padding:36px 0 46px}.hero-grid-v3{gap:28px}h1{font-size:45px}h2{font-size:35px}.lead{font-size:17px}.hero-photo{height:280px;border-radius:20px}.hero-badge{position:relative;left:auto;bottom:auto;width:calc(100% - 24px);margin:-28px 12px 0}.actions .btn{width:100%}.hero-proof{display:grid;grid-template-columns:1fr 1fr;gap:8px;font-size:12px}.intent-grid{grid-template-columns:1fr}.intent-grid a,.intent-grid a:first-child,.intent-grid a:last-child{padding:14px 0;border-right:0;border-bottom:1px solid #e6edf2}.intent-grid a:last-child{border-bottom:0}.section{padding:62px 0}.section-heading{align-items:flex-start;flex-direction:column;gap:13px}.check-grid,.mini-links,.tool-grid,.guide-grid,.four,.three,.form-grid,.calc-grid,.footer-grid,.content-grid{grid-template-columns:1fr}.tool-card.featured{grid-column:auto}.service-photo{height:300px}.cta-v3{padding:52px 0}.quote-form,.calculator{padding:20px}.legal{flex-direction:column}.buzz{margin-left:0}.page-hero{padding:45px 0}.page-hero .hero-img{height:280px}.hero-proof span:last-child{grid-column:1/-1}}

/* v3.1 polish */
.hero-v3 .wrap{width:min(calc(100% - 64px),1400px)}
.hero-grid-v3{grid-template-columns:minmax(0,1.02fr) minmax(560px,.98fr);gap:76px}
.hero-copy h1{font-size:clamp(58px,5.1vw,86px);line-height:.98;max-width:760px}
.hero-copy .lead{max-width:720px;font-size:20px}
.hero-photo{height:500px}
.footer-logo{max-width:190px!important;max-height:70px!important;width:auto!important;height:auto!important;background:#fff;padding:6px;border-radius:4px;object-fit:contain}
@media(max-width:1100px){.hero-grid-v3{grid-template-columns:1fr 1fr;gap:42px}.hero-copy h1{font-size:clamp(52px,6vw,70px)}.hero-photo{height:440px}}
@media(max-width:980px){.hero-v3 .wrap{width:min(calc(100% - 40px),760px)}.hero-grid-v3{grid-template-columns:1fr}.hero-photo{height:420px}}
@media(max-width:620px){.hero-v3 .wrap{width:min(calc(100% - 28px),var(--max))}.hero-copy h1{font-size:45px}.hero-copy .lead{font-size:17px}.hero-photo{height:280px}}

/* v3.2 — wider inner-page system + dedicated calculators */
.page-hero>.wrap,.section>.wrap{width:min(calc(100% - 64px),1400px)}
.page-hero h1{max-width:1000px;font-size:clamp(54px,5vw,78px)}
.quote-hero-grid,.calculator-hero-grid{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(330px,.55fr);gap:80px;align-items:end}
.hero-aside{background:#fff;border:1px solid #dbe7ed;border-radius:20px;padding:28px;box-shadow:0 14px 34px rgba(23,54,83,.07)}
.hero-aside b{display:block;font-size:21px;color:var(--navy);margin-bottom:8px}.hero-aside p{color:var(--text)}.hero-aside span{display:block;font-weight:750;color:#496276;margin-top:8px}
.quote-layout{display:grid;grid-template-columns:minmax(0,1.45fr) minmax(330px,.55fr);gap:42px;align-items:start}.quote-form{max-width:none}.quote-side,.calc-side{background:#fff;border:1px solid #dfe8ed;border-radius:22px;padding:32px;position:sticky;top:132px}.quote-side h2,.calc-side h2{font-size:34px}.quote-side ol{padding:0;margin:26px 0 0;list-style:none;counter-reset:steps}.quote-side li{counter-increment:steps;position:relative;padding:0 0 22px 46px}.quote-side li:before{content:counter(steps);position:absolute;left:0;top:0;width:30px;height:30px;border-radius:50%;display:grid;place-items:center;background:#edf6fa;color:var(--blue);font-weight:900}.quote-side li b,.quote-side li span{display:block}.quote-side li span{font-size:13px;color:var(--muted)}
.calculator-layout{display:grid;grid-template-columns:minmax(0,1.5fr) minmax(320px,.5fr);gap:42px;align-items:start}.calculator{max-width:none;padding:36px}.calculator .calc-title{margin-bottom:26px}.calculator .calc-title span{font-size:11px;letter-spacing:.14em;font-weight:900;color:var(--blue)}.calculator .calc-title h2{font-size:34px;margin:5px 0 0}.calculator .calc-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}.calculator .result{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin-top:28px}.calculator .result>div{background:#f3f8fb;border:1px solid #dce8ee;border-radius:14px;padding:18px}.calculator .result span,.calculator .result strong{display:block}.calculator .result span{font-size:12px;color:var(--muted);font-weight:700}.calculator .result strong{font-size:25px;color:var(--navy);margin-top:3px}.calculator .result small{grid-column:1/-1;color:var(--muted);padding-top:4px}.calc-side .btn{width:100%;margin:12px 0 20px}.calc-side .textlink{display:inline-block}
.calculator-hub{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}.calculator-hub .tool-card{min-height:240px}.four-tools{grid-template-columns:repeat(4,1fr)}.four-tools .tool-card{min-height:280px;padding:26px}
@media(max-width:1100px){.quote-hero-grid,.calculator-hero-grid,.quote-layout,.calculator-layout{grid-template-columns:1fr;gap:28px}.hero-aside{max-width:760px}.quote-side,.calc-side{position:static}.four-tools{grid-template-columns:repeat(2,1fr)}}
@media(max-width:620px){.page-hero>.wrap,.section>.wrap{width:min(calc(100% - 28px),var(--max))}.page-hero h1{font-size:43px}.calculator-hub,.four-tools,.calculator .calc-grid,.calculator .result{grid-template-columns:1fr}.calculator{padding:20px}.hero-aside,.quote-side,.calc-side{padding:22px}.quote-hero-grid,.calculator-hero-grid{gap:20px}}

/* Phase 3 — search-intent / money page components */
.answer-box{max-width:980px;margin:0 auto 48px;padding:28px 32px;border-radius:24px;background:#fff;border:1px solid rgba(13,59,86,.12);box-shadow:0 12px 35px rgba(13,59,86,.06)}
.answer-box p{font-size:clamp(1.15rem,1.8vw,1.42rem);line-height:1.55;margin:8px 0 0;color:#173b52}
.decision-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:24px;margin-top:48px}.decision-card{background:#fff;border:1px solid rgba(13,59,86,.1);border-radius:24px;padding:30px}.decision-card h2{margin-top:8px}.check-list{list-style:none;padding:0;margin:24px 0 0;display:grid;gap:12px}.check-list li{position:relative;padding:13px 16px 13px 42px;border-radius:14px;background:#f5f9fb}.check-list li:before{content:'✓';position:absolute;left:16px;font-weight:800;color:#4b9b3f}.qa-item{padding:18px 0;border-bottom:1px solid rgba(13,59,86,.1)}.qa-item:last-child{border-bottom:0;padding-bottom:0}.qa-item h3{font-size:1.08rem;margin:0 0 7px}.qa-item p{margin:0}.related-strip{margin-top:24px;padding:28px 30px;border-radius:24px;background:#0d3b56;color:#fff;display:grid;grid-template-columns:.7fr 1.3fr;gap:28px;align-items:center}.related-strip h2{color:#fff;margin:6px 0}.related-strip .eyebrow{color:#b8e27a}.related-links{display:grid;grid-template-columns:1fr 1fr;gap:10px}.related-links a{display:block;padding:13px 15px;border-radius:12px;background:rgba(255,255,255,.1);color:#fff;text-decoration:none}.related-links a:hover{background:rgba(255,255,255,.16)}.source-panel{margin-top:24px;padding:24px 28px;border-radius:20px;background:#fff9e9;border:1px solid #f0dca4}.source-panel p{margin:8px 0 12px}.source-links{display:flex;gap:16px;flex-wrap:wrap}.source-links a{font-weight:700;color:#0d3b56}.source-panel small{display:block;margin-top:12px;color:#61717b}
@media(max-width:800px){.decision-grid,.related-strip{grid-template-columns:1fr}.related-links{grid-template-columns:1fr}.answer-box,.decision-card,.related-strip,.source-panel{padding:22px}.answer-box{margin-bottom:30px}}
/* v4.3 Calculator Authority */
.calculator-answer{margin:0 0 22px}.calculator select{width:100%;min-height:48px;border:1px solid #d9e1e8;border-radius:10px;background:#fff;padding:0 12px;font:inherit;color:inherit}.authority-content{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(300px,.75fr);gap:28px;align-items:start}.method-card,.example-card{border:1px solid #e0e7ec;border-radius:20px;padding:30px;background:#fff;box-shadow:0 12px 34px rgba(15,45,65,.05)}.method-row{display:grid;grid-template-columns:180px 1fr;gap:20px;padding:18px 0;border-top:1px solid #e6ecef}.method-row:first-of-type{margin-top:14px}.method-row p{margin:0}.example-card{background:#f7fafb}.authority-faq>h2{max-width:760px}.faq-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin:26px 0 34px}.faq-grid article{background:#fff;border:1px solid #e0e7ec;border-radius:18px;padding:24px}.faq-grid h3{font-size:1.08rem;margin:0 0 10px}.faq-grid p{margin:0}.calculator .result{margin-top:24px}@media(max-width:850px){.authority-content,.faq-grid{grid-template-columns:1fr}.method-row{grid-template-columns:1fr;gap:6px}}

/* v4.3.1 progressive-disclosure calculator controls */
.calculator .calc-advanced{display:none}
.calculator.show-advanced .calc-advanced{display:flex}
.calc-mode{margin-top:18px;display:grid;grid-template-columns:minmax(0,1fr) minmax(240px,.7fr);gap:12px;align-items:stretch}
.calc-advanced-toggle,.calc-assumption-note{border:1px solid rgba(18,56,83,.14);border-radius:14px;background:#fff;min-height:66px}
.calc-advanced-toggle{width:100%;display:flex;align-items:center;gap:12px;padding:12px 14px;text-align:left;color:inherit;cursor:pointer;font:inherit}
.calc-advanced-toggle:hover{border-color:rgba(18,56,83,.28)}
.calc-advanced-toggle:focus-visible{outline:3px solid rgba(240,180,40,.35);outline-offset:2px}
.calc-toggle-icon{font-size:20px;line-height:1}
.calc-advanced-toggle>span:nth-child(2){display:flex;flex-direction:column;gap:2px;min-width:0;flex:1}
.calc-advanced-toggle strong{font-size:14px}.calc-advanced-toggle small{font-size:12px;color:#647582}
.calc-toggle-state{font-size:12px;font-weight:700;color:#0b6f74}
.calc-assumption-note{padding:12px 14px;display:flex;flex-direction:column;justify-content:center;gap:3px}
.calc-assumption-note strong{font-size:13px}.calc-assumption-note span{font-size:12px;color:#647582;line-height:1.4}
@media(max-width:700px){.calc-mode{grid-template-columns:1fr}.calc-advanced-toggle,.calc-assumption-note{min-height:60px}}
/* v4.6 AEO answer provenance */
.answer-meta{display:flex;gap:.55rem;flex-wrap:wrap;margin:-.35rem 0 1.6rem;color:var(--muted,#52606d);font-size:.82rem}.answer-meta span{display:inline-flex;align-items:center;gap:.35rem;padding:.38rem .65rem;border:1px solid rgba(21,48,67,.12);border-radius:999px;background:rgba(255,255,255,.62)}.answer-meta span:before{content:'✓';font-weight:800}.answer-box p{max-width:78ch}.qa-item h3,.authority-faq h3{scroll-margin-top:100px}
@media(max-width:640px){.answer-meta{gap:.4rem}.answer-meta span{font-size:.76rem}}

/* Phase 10 trust/evidence */
.answer-meta{flex-wrap:wrap}.related-links a{min-height:44px}.quote-side .textlink{display:inline-block;margin-top:10px}


/* Phase 11 — Conversion & Lead Intelligence */
.smart-lead-form fieldset{border:0;padding:0;margin:0}.lead-step{display:none}.lead-step.active{display:block}.lead-step legend{font-size:clamp(1.45rem,2vw,2rem);font-weight:800;color:var(--navy);margin-bottom:22px}.lead-progress{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin-bottom:30px}.lead-progress span{font-size:12px;font-weight:800;padding:10px 12px;border-radius:999px;background:#edf2f4;color:#74838d;text-align:center}.lead-progress span.active{background:var(--navy);color:#fff}.lead-actions{display:flex;align-items:center;gap:14px;margin-top:8px}.lead-back{border:0;background:transparent;color:var(--navy);font-weight:800;padding:14px 8px;cursor:pointer}.lead-context-preview{margin:18px 0;padding:16px 18px;border-radius:14px;background:#eef7f8;border:1px solid #d3e8e9}.lead-context-preview strong,.lead-context-preview span{display:block}.lead-context-preview span{font-size:12px;color:var(--muted);margin-top:4px;line-height:1.45}.smart-lead-form .btn{margin-top:8px}@media(max-width:620px){.lead-progress span{font-size:10px;padding:9px 5px}.lead-actions{justify-content:space-between}.lead-actions .btn{flex:1}}

/* Phase 14: quiet contextual continuation */
.smart-continuation{position:fixed;right:22px;bottom:22px;z-index:80;width:min(360px,calc(100vw - 32px));background:#fff;border:1px solid rgba(15,40,70,.14);border-radius:18px;box-shadow:0 18px 50px rgba(10,35,60,.18);padding:20px 48px 18px 20px;display:grid;gap:5px;transform:translateY(18px);opacity:0;transition:.25s ease}.smart-continuation.show{transform:none;opacity:1}.smart-continuation small{font-size:11px;font-weight:800;letter-spacing:.12em;color:#64748b}.smart-continuation strong{font-size:18px;line-height:1.25;color:#0b2845}.smart-continuation span{font-size:14px;color:#526477}.smart-continuation a{font-weight:800;margin-top:7px;text-decoration:none}.smart-close{position:absolute;right:10px;top:8px;border:0;background:transparent;font-size:25px;line-height:1;color:#6b7b8d;cursor:pointer;padding:6px}.smart-continuation:focus-within{outline:2px solid currentColor;outline-offset:2px}@media(max-width:700px){.smart-continuation{right:16px;bottom:74px}.smart-continuation strong{font-size:16px}}@media(prefers-reduced-motion:reduce){.smart-continuation{transition:none}}

/* v5.3.1 anti-spam honeypot: visually and interactively removed for genuine visitors */
.hey-hp{position:absolute!important;left:-10000px!important;top:auto!important;width:1px!important;height:1px!important;overflow:hidden!important;opacity:0!important;pointer-events:none!important}