:root {
  --ink: #111827;
  --muted: #526071;
  --soft: #eef2f6;
  --paper: #ffffff;
  --line: #cbd5e1;
  --line-strong: #334155;
  --navy: #0f243a;
  --blue: #1f5f8b;
  --green: #236b4e;
  --gold: #b98224;
  --red: #a9362d;
  --wash: #f6f8fb;
  --radius: 8px;
  --font: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: var(--font);
  color: var(--ink);
  background: var(--wash);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

a {
  color: inherit;
  text-decoration: none;
}

button,
select,
input {
  font: inherit;
}

.container {
  width: min(1160px, calc(100% - 32px));
  margin: 0 auto;
}

.site-header {
  background: var(--paper);
  border-bottom: 1px solid var(--line);
  position: sticky;
  top: 0;
  z-index: 20;
}

.header-inner {
  position: relative;
  min-height: 76px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.brand {
  display: inline-flex;
  align-items: center;
  flex: 0 0 auto;
  width: clamp(210px, 26vw, 315px);
}

.brand img {
  display: block;
  width: 100%;
  height: auto;
}

.site-nav {
  display: flex;
  gap: 4px;
  align-items: center;
}

.site-nav a {
  padding: 10px 12px;
  color: var(--muted);
  font-size: 0.92rem;
  font-weight: 700;
  border: 1px solid transparent;
  border-radius: var(--radius);
}

.site-nav a:hover {
  color: var(--ink);
  border-color: var(--line);
  background: var(--wash);
}

.menu-toggle {
  display: none;
  width: 36px;
  height: 36px;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  gap: 3px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  cursor: pointer;
}

.menu-toggle span {
  display: block;
  width: 17px;
  height: 2px;
  background: var(--navy);
  border-radius: 999px;
}

.menu-toggle[aria-expanded="true"] {
  border-color: var(--navy);
  background: var(--soft);
}

.menu-toggle[aria-expanded="true"] span:nth-child(1) {
  transform: translateY(5px) rotate(45deg);
}

.menu-toggle[aria-expanded="true"] span:nth-child(2) {
  opacity: 0;
}

.menu-toggle[aria-expanded="true"] span:nth-child(3) {
  transform: translateY(-5px) rotate(-45deg);
}

.hero {
  padding: 62px 0 34px;
  background: var(--paper);
  border-bottom: 1px solid var(--line);
}

.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(320px, 0.95fr);
  gap: 42px;
  align-items: center;
}

.hero-centered {
  display: flex;
  justify-content: center;
  align-items: center;
  text-align: center;
}

.hero-centered > div {
  width: 100%;
  max-width: 900px;
  display: flex;
  flex-direction: column;
  align-items: center;
}

.hero-centered .hero-copy,
.hero-centered h1 {
  margin-left: auto;
  margin-right: auto;
  text-align: center;
}

.hero-centered .hero-actions {
  justify-content: center;
}

.hero-centered .eyebrow {
  text-align: center;
}

.hero-centered .hero-facts {
  max-width: 760px;
  margin-left: auto;
  margin-right: auto;
}

.eyebrow {
  margin: 0 0 16px;
  color: var(--blue);
  font-size: 0.78rem;
  font-weight: 900;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.hero h1 {
  margin: 0;
  max-width: 780px;
  font-size: clamp(2.55rem, 6vw, 5rem);
  line-height: 0.96;
  letter-spacing: -0.02em;
}

.hero-copy {
  max-width: 700px;
  margin: 24px 0 0;
  color: var(--muted);
  font-size: 1.08rem;
}

.hero-description {
  margin-top: 12px;
  font-size: 0.98rem;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 28px;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  padding: 0 18px;
  border: 1px solid var(--line-strong);
  border-radius: var(--radius);
  font-weight: 850;
  cursor: pointer;
}

.button.primary {
  background: var(--navy);
  color: #fff;
}

.button.secondary {
  background: #fff;
  color: var(--ink);
}

.hero-facts {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  margin-top: 34px;
  border: 1px solid var(--line);
  background: var(--line);
}

.hero-facts div {
  background: var(--wash);
  padding: 16px;
}

.hero-facts strong {
  display: block;
  font-size: 1.35rem;
}

.hero-facts span {
  color: var(--muted);
  font-size: 0.86rem;
  font-weight: 650;
}

.hero-card {
  background: var(--navy);
  color: #fff;
  border-radius: var(--radius);
  border: 1px solid var(--navy);
  padding: 28px;
}

.hero-card h2 {
  margin: 0 0 18px;
  color: #fff;
  font-size: 1.25rem;
}

.mini-table {
  display: grid;
  border: 1px solid #496178;
}

.mini-row {
  display: grid;
  grid-template-columns: 92px 1fr;
  gap: 16px;
  padding: 13px 14px;
  border-bottom: 1px solid #496178;
}

.mini-row:last-child {
  border-bottom: 0;
}

.mini-row span {
  color: #c7d4e2;
}

.mini-row strong {
  color: #fff;
}

.main-section {
  padding: 48px 0;
}

.calculator-layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(320px, 420px);
  gap: 24px;
  align-items: start;
}

.calculator-shell {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 300px;
  gap: 18px;
  align-items: stretch;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 12px;
}

.calculator-board {
  background: #fff;
  border: 0;
  border-radius: 10px;
  padding: 20px;
}

.calculator-topline {
  display: flex;
  justify-content: space-between;
  align-items: start;
  gap: 16px;
  padding-bottom: 14px;
  border-bottom: 1px solid var(--line);
  margin-bottom: 14px;
}

.calc-eyebrow {
  margin: 0 0 2px;
  color: var(--red);
  font-size: 0.74rem;
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: 0.1em;
}

.calculator-topline h2 {
  margin: 0;
  font-size: 1.3rem;
  line-height: 1.2;
}

.text-button {
  border: 1px solid var(--line);
  background: var(--wash);
  color: var(--muted);
  border-radius: 999px;
  padding: 7px 11px;
  font-size: 0.82rem;
  font-weight: 850;
  cursor: pointer;
}

.text-button:hover {
  color: var(--ink);
  border-color: var(--line-strong);
}

.calc-section {
  background: #f9fafc;
  border: 1px solid #e4e9f0;
  border-radius: 10px;
  padding: 14px;
  margin-top: 12px;
}

.calc-section-header {
  display: flex;
  gap: 10px;
  align-items: start;
  margin-bottom: 12px;
}

.calc-section-header span {
  width: 24px;
  height: 24px;
  display: grid;
  place-items: center;
  flex: 0 0 auto;
  border-radius: 50%;
  background: var(--navy);
  color: #fff;
  font-size: 0.76rem;
  font-weight: 900;
}

.calc-section-header h3 {
  margin: 0;
  font-size: 0.96rem;
  line-height: 1.2;
}

.calc-section-header p {
  margin: 2px 0 0;
  color: var(--muted);
  font-size: 0.82rem;
}

.compact-header {
  margin-top: 14px;
}

.choice-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
}

.condition-grid {
  justify-content: flex-start;
  margin-bottom: 0;
}

.choice-button {
  min-height: 34px;
  padding: 0 10px;
  border: 1px solid #d7e0ea;
  background: #fff;
  color: var(--ink);
  border-radius: 999px;
  font-size: 0.84rem;
  font-weight: 800;
  cursor: pointer;
}

.choice-button.active,
.choice-button:hover {
  background: #fff1f1;
  border-color: var(--red);
  color: var(--red);
}

.rating-grid {
  display: grid;
  grid-template-columns: repeat(10, minmax(44px, 1fr));
  gap: 6px;
  margin-bottom: 10px;
}

.rating-button {
  min-width: 0;
  height: 36px;
  border: 1px solid #d7e0ea;
  background: #fff;
  color: var(--ink);
  border-radius: 8px;
  cursor: pointer;
  font-size: 0.86rem;
  font-weight: 850;
}

.rating-button:hover {
  background: var(--red);
  border-color: var(--red);
  color: #fff;
}

.settings-list {
  display: grid;
  gap: 10px;
  margin-top: 12px;
}

.setting-row {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(150px, 190px);
  gap: 16px;
  align-items: center;
  background: #fff;
  border: 1px solid #e5ebf2;
  border-radius: 8px;
  padding: 10px 12px;
}

.setting-row p {
  margin: 0;
  color: var(--ink);
  font-size: 0.86rem;
  line-height: 1.4;
}

.stepper {
  justify-self: end;
  display: grid;
  grid-template-columns: 32px 48px 32px;
  height: 34px;
  border: 1px solid var(--line);
  border-radius: 8px;
  overflow: hidden;
  background: #fff;
}

.stepper button {
  border: 0;
  background: var(--navy);
  color: #fff;
  font-size: 1rem;
  font-weight: 900;
  cursor: pointer;
}

.stepper span {
  display: grid;
  place-items: center;
  font-weight: 900;
  border-left: 1px solid var(--line);
  border-right: 1px solid var(--line);
}

.radio-row {
  justify-self: end;
  display: flex;
  gap: 8px;
  align-items: center;
  flex-wrap: wrap;
}

.radio-row label {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  text-transform: uppercase;
  font-weight: 900;
  font-size: 0.78rem;
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 6px 9px;
  background: #fff;
}

.radio-row input {
  width: 15px;
  height: 15px;
  accent-color: var(--red);
}

.calculator-summary {
  background: #f4f6f8;
  border: 1px solid #e4e9f0;
  border-radius: 10px;
  padding: 18px 14px;
  display: grid;
  align-content: start;
  text-align: center;
  position: sticky;
  top: 96px;
  max-height: calc(100vh - 116px);
  overflow: auto;
}

.summary-tab {
  width: fit-content;
  min-width: 116px;
  height: 36px;
  padding: 0 14px;
  display: grid;
  place-items: center;
  margin: 0 auto 22px;
  background: var(--red);
  color: #fff;
  text-transform: uppercase;
  border-radius: 999px;
  font-size: 0.76rem;
  font-weight: 800;
  letter-spacing: 0.06em;
}

.summary-block {
  display: grid;
  justify-items: center;
}

.summary-label {
  color: var(--ink);
  font-size: 0.82rem;
  margin-bottom: 8px;
  text-transform: uppercase;
  font-weight: 850;
  letter-spacing: 0.04em;
}

.summary-label::after {
  content: "";
  display: block;
  width: 44px;
  height: 2px;
  background: var(--red);
  margin: 7px auto 0;
}

.payment-total {
  color: #052b55;
  font-size: 2.12rem;
  line-height: 1;
  margin-bottom: 6px;
}

.basis-label {
  color: var(--muted);
  font-size: 0.82rem;
}

.summary-divider {
  border-top: 1px solid #d4d4d4;
  margin: 22px 0;
}

.rating-ring {
  width: 112px;
  height: 112px;
  display: grid;
  place-items: center;
  border: 7px solid #e6e9ee;
  border-radius: 50%;
  background: #f7f7f7;
  margin: 8px auto 10px;
}

.rating-ring strong {
  color: #052b55;
  font-size: 1.8rem;
}

.summary-note {
  margin-top: 16px;
  background: #fff;
  border-left: 4px solid var(--red);
  border-radius: 8px;
  padding: 10px;
  color: var(--muted);
  text-align: left;
  font-size: 0.8rem;
  line-height: 1.4;
}

.summary-footnote {
  margin-top: 10px;
  color: var(--muted);
  font-size: 0.74rem;
  line-height: 1.35;
}

.panel {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 24px;
}

.panel-header {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  align-items: start;
  border-bottom: 1px solid var(--line);
  padding-bottom: 18px;
  margin-bottom: 20px;
}

.panel-header h2 {
  margin: 0;
  font-size: 1.35rem;
}

.panel-header p {
  margin: 4px 0 0;
  color: var(--muted);
}

.input-grid {
  display: grid;
  grid-template-columns: minmax(160px, 1fr) 1fr auto;
  gap: 14px;
  align-items: end;
}

.field {
  display: grid;
  gap: 8px;
}

.field label {
  color: var(--muted);
  font-size: 0.78rem;
  font-weight: 850;
  letter-spacing: 0.07em;
  text-transform: uppercase;
}

select {
  width: 100%;
  min-height: 46px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #fff;
  color: var(--ink);
  padding: 0 12px;
}

.check-field {
  min-height: 46px;
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--ink);
  font-weight: 700;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 0 12px;
  background: var(--wash);
}

.check-field input {
  width: 18px;
  height: 18px;
  accent-color: var(--blue);
}

.ratings-list {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(170px, 1fr));
  gap: 8px;
  min-height: 74px;
  margin-top: 10px;
  padding: 10px;
  border: 1px dashed #cbd5e1;
  border-radius: 8px;
  background: #fff;
}

.empty-state {
  display: grid;
  place-items: center;
  grid-column: 1 / -1;
  min-height: 52px;
  color: var(--muted);
  text-align: center;
  font-size: 0.86rem;
}

.rating-item {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  background: #f8fbff;
  border: 1px solid #dce6f0;
  border-left: 4px solid var(--blue);
  border-radius: 8px;
  padding: 8px 9px;
}

.rating-item strong {
  font-size: 0.98rem;
}

.rating-meta {
  color: var(--muted);
  font-size: 0.74rem;
  font-weight: 700;
}

.remove-button {
  border: 1px solid #e2bbb7;
  background: #fff;
  color: var(--red);
  border-radius: var(--radius);
  padding: 5px 8px;
  font-size: 0.74rem;
  font-weight: 800;
  cursor: pointer;
}

.clear-row {
  display: flex;
  justify-content: flex-end;
  margin-top: 14px;
}

.result-panel {
  background: var(--navy);
  color: #fff;
  border-color: var(--navy);
}

.result-panel h2,
.result-panel p {
  color: #fff;
}

.result-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  border: 1px solid #496178;
  background: #496178;
  gap: 1px;
}

.result-cell {
  background: var(--navy);
  padding: 18px;
}

.result-label {
  display: block;
  color: #c7d4e2;
  font-size: 0.76rem;
  font-weight: 850;
  letter-spacing: 0.07em;
  text-transform: uppercase;
}

.result-value {
  display: block;
  font-size: clamp(2.35rem, 6vw, 4rem);
  line-height: 1;
  font-weight: 900;
  margin-top: 8px;
}

.pay-box {
  margin-top: 18px;
  border: 1px solid #496178;
}

.pay-line {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  padding: 14px;
  border-bottom: 1px solid #496178;
}

.pay-line:last-child {
  border-bottom: 0;
}

.pay-line span {
  color: #d8e4ef;
}

.pay-line strong {
  color: #fff;
}

.threshold {
  margin-top: 18px;
  padding: 14px;
  border-left: 5px solid var(--gold);
  background: #18334d;
  color: #e6eef7;
}

.content-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin-top: 24px;
}

.topics-section {
  padding-top: 14px;
}

.section-title {
  margin: 0 0 18px;
  padding-bottom: 12px;
  border-bottom: 2px solid var(--navy);
  color: var(--ink);
  font-size: 1.45rem;
  line-height: 1.2;
}

.topic-card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 12px;
}

.topic-card {
  min-height: 132px;
  display: flex;
  justify-content: space-between;
  gap: 16px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 10px;
  padding: 18px;
}

.topic-card:hover {
  border-color: var(--navy);
  background: #fbfcfe;
}

.topic-card h3 {
  margin: 0 0 8px;
  color: var(--ink);
  font-size: 1.04rem;
  line-height: 1.25;
}

.topic-card p {
  margin: 0;
  color: var(--muted);
  font-size: 0.9rem;
  line-height: 1.45;
}

.topic-card span {
  align-self: flex-end;
  color: var(--red);
  font-size: 1.25rem;
  font-weight: 900;
}

.conditions-section {
  padding-top: 14px;
}

.section-heading-row {
  display: flex;
  justify-content: space-between;
  align-items: end;
  gap: 24px;
  margin-bottom: 18px;
}

.section-heading-row .section-title {
  margin-bottom: 8px;
}

.section-heading-row p {
  margin: 0;
  color: var(--muted);
  max-width: 720px;
  font-size: 0.96rem;
}

.condition-card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(255px, 1fr));
  gap: 12px;
}

.condition-card {
  min-height: 230px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 10px;
  padding: 18px;
  position: relative;
  overflow: hidden;
}

.condition-card::before {
  content: "";
  position: absolute;
  inset: 0 auto 0 0;
  width: 4px;
  background: var(--red);
}

.condition-card:hover {
  border-color: var(--navy);
  background: #fbfcfe;
}

.condition-card h3 {
  margin: 0 0 8px;
  color: var(--ink);
  font-size: 1.15rem;
  line-height: 1.2;
}

.condition-card span {
  display: inline-flex;
  color: var(--blue);
  background: #eef6fc;
  border: 1px solid #d3e8f6;
  border-radius: 999px;
  padding: 4px 9px;
  font-size: 0.78rem;
  font-weight: 900;
}

.condition-card p {
  margin: 12px 0 0;
  color: var(--muted);
  font-size: 0.9rem;
  line-height: 1.5;
}

.condition-card a {
  margin-top: 18px;
  color: var(--red);
  font-size: 0.86rem;
  font-weight: 900;
}

.scenarios-section {
  padding-top: 14px;
}

.scenario-card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 12px;
}

.scenario-card {
  min-height: 84px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  text-align: left;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 10px;
  padding: 16px 18px;
  color: var(--ink);
  cursor: pointer;
}

.scenario-card:hover {
  border-color: var(--navy);
  background: #fbfcfe;
}

.scenario-card span {
  font-size: 0.96rem;
  font-weight: 850;
  line-height: 1.3;
}

.scenario-card strong {
  flex: 0 0 auto;
  color: var(--red);
  font-size: 0.82rem;
  white-space: nowrap;
}

.secondary-section {
  padding-top: 14px;
}

.secondary-link-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 12px;
}

.secondary-link-card {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  min-height: 72px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 10px;
  padding: 16px 18px;
}

.secondary-link-card:hover {
  border-color: var(--navy);
  background: #fbfcfe;
}

.secondary-link-card span {
  color: var(--ink);
  font-size: 0.95rem;
  font-weight: 850;
  line-height: 1.35;
}

.secondary-link-card strong {
  color: var(--red);
  font-size: 1.2rem;
  font-weight: 900;
}

.info-card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 24px;
}

.info-card h2 {
  margin: 0 0 14px;
}

.info-card p,
.info-card li {
  color: var(--muted);
}

.info-card ul {
  margin: 0;
  padding-left: 20px;
}

.pay-rates-section {
  background: linear-gradient(180deg, #f6f8fb 0%, #ffffff 100%);
}

.pay-rates-card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 12px;
  overflow: hidden;
}

.pay-rates-card > .eyebrow,
.pay-rates-card > h2,
.pay-rates-card > p,
.rates-source {
  margin-left: 28px;
  margin-right: 28px;
}

.pay-rates-card > .eyebrow {
  margin-top: 28px;
  margin-bottom: 8px;
}

.pay-rates-card h2 {
  max-width: 760px;
  margin-top: 0;
  margin-bottom: 12px;
  font-size: clamp(2rem, 3vw, 3rem);
  line-height: 1.05;
}

.pay-rates-card p {
  max-width: 880px;
  margin-top: 0;
  color: var(--muted);
  font-size: 1.02rem;
}

.rates-source {
  display: inline-flex;
  max-width: calc(100% - 56px);
  margin-top: 8px;
  margin-bottom: 22px;
  padding: 10px 12px;
  background: #f7fafc;
  border: 1px solid var(--line);
  color: #405066;
  font-size: 0.86rem;
  font-weight: 750;
}

.rates-table-wrap {
  width: 100%;
  overflow-x: auto;
  border-top: 1px solid var(--line);
}

.rates-table {
  width: 100%;
  min-width: 680px;
  border-collapse: separate;
  border-spacing: 0;
}

.rates-table th,
.rates-table td {
  text-align: left;
  padding: 16px 22px;
  border-bottom: 1px solid #dbe3ee;
}

.rates-table th {
  background: var(--navy);
  color: #fff;
  font-size: 0.76rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.rates-table tbody tr {
  background: #fff;
}

.rates-table tbody tr:nth-child(even) {
  background: #f8fbfd;
}

.rates-table tbody tr:hover {
  background: #f3f7fb;
}

.rates-table td {
  color: #203048;
  font-weight: 750;
}

.rates-table td:first-child {
  width: 28%;
}

.rates-table td:first-child strong {
  display: inline-flex;
  min-width: 74px;
  justify-content: center;
  padding: 7px 12px;
  background: #eef4f8;
  border: 1px solid #cddbe8;
  border-radius: 999px;
  color: var(--navy);
  font-size: 0.95rem;
}

.rates-table td:nth-child(2),
.rates-table td:nth-child(3) {
  font-size: 1.05rem;
  color: #072b52;
}

.homepage-author-section {
  background: #f6f9fc;
}

.homepage-author-card {
  display: grid;
  grid-template-columns: 180px minmax(0, 1fr);
  gap: 26px;
  align-items: center;
  max-width: 980px;
  margin: 0 auto;
  padding: 28px;
  border: 1px solid var(--line);
  border-radius: 14px;
  background: #fff;
}

.homepage-author-media {
  margin: 0;
  overflow: hidden;
  width: 180px;
  height: 180px;
  border: 1px solid var(--line);
  border-radius: 12px;
  background: var(--soft);
}

.homepage-author-media img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: 32% center;
}

.homepage-author-content .eyebrow {
  margin: 0 0 8px;
}

.homepage-author-content h2 {
  margin: 0 0 6px;
  color: var(--ink);
  font-size: clamp(1.8rem, 3vw, 2.6rem);
  line-height: 1.08;
}

.homepage-author-role {
  margin: 0 0 14px;
  color: var(--navy);
  font-size: 1.02rem;
  font-weight: 900;
}

.homepage-author-content p:not(.eyebrow):not(.homepage-author-role) {
  margin: 0 0 16px;
  color: var(--muted);
  font-size: 1rem;
  line-height: 1.72;
}

.homepage-author-content a {
  color: var(--red);
  font-weight: 900;
}

.faq-section {
  background: #fff;
}

.faq-panel {
  max-width: 980px;
  margin: 0 auto;
}

.faq-panel .section-heading-row {
  margin-bottom: 18px;
}

.faq-panel .eyebrow {
  margin: 0 0 8px;
}

.faq-accordion {
  display: grid;
  gap: 12px;
}

.faq-accordion-item {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 12px;
  overflow: hidden;
}

.faq-accordion-item[open] {
  border-color: #aebdcc;
}

.faq-accordion-item summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  min-height: 68px;
  padding: 18px 20px;
  color: var(--ink);
  cursor: pointer;
  font-size: 1rem;
  font-weight: 900;
  line-height: 1.3;
  list-style: none;
}

.faq-accordion-item summary::-webkit-details-marker {
  display: none;
}

.faq-accordion-item summary strong {
  flex: 0 0 auto;
  display: grid;
  place-items: center;
  width: 34px;
  height: 34px;
  background: var(--navy);
  border-radius: 50%;
  color: #fff;
  font-size: 1.25rem;
  line-height: 1;
}

.faq-accordion-item[open] summary strong {
  background: var(--red);
  transform: rotate(45deg);
}

.faq-accordion-item p {
  margin: 0;
  padding: 0 20px 20px;
  color: var(--muted);
  font-size: 0.98rem;
  line-height: 1.7;
}

.article-page {
  background: #fff;
}

.article-hero {
  padding: 62px 0 42px;
  background: var(--paper);
  border-bottom: 1px solid var(--line);
}

.article-hero .container {
  max-width: 980px;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
}

.article-hero h1 {
  max-width: 920px;
  margin: 0 0 18px;
  color: var(--ink);
  font-size: clamp(2.15rem, 3.8vw, 3.5rem);
  line-height: 1.08;
}

.article-hero p:not(.eyebrow) {
  max-width: 850px;
  color: var(--muted);
  font-size: 1.08rem;
}

.article-shell {
  background: #fff;
}

.article-layout {
  display: grid;
  grid-template-columns: 260px minmax(0, 1fr);
  gap: 42px;
  align-items: start;
}

.article-sidebar {
  position: sticky;
  top: 104px;
}

.article-sidebar > div {
  border: 1px solid var(--line);
  border-radius: 12px;
  background: #fff;
  overflow: hidden;
}

.article-sidebar span {
  display: block;
  padding: 14px 16px;
  background: var(--navy);
  color: #fff;
  font-size: 0.76rem;
  font-weight: 900;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.article-sidebar nav {
  display: grid;
}

.article-sidebar a {
  padding: 12px 16px;
  border-bottom: 1px solid var(--line);
  color: #34445c;
  font-size: 0.9rem;
  font-weight: 800;
}

.article-sidebar a:last-child {
  border-bottom: 0;
}

.article-sidebar a:hover {
  background: var(--wash);
  color: var(--navy);
}

.article-content {
  max-width: 850px;
  min-width: 0;
}

.article-content section {
  scroll-margin-top: 110px;
  padding-bottom: 32px;
  margin-bottom: 32px;
  border-bottom: 1px solid #e1e8f0;
}

.article-content section:last-child {
  margin-bottom: 0;
}

.article-feature-image {
  margin: 0 0 26px;
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: 12px;
  background: var(--soft);
}

.article-feature-image img {
  display: block;
  width: 100%;
  height: auto;
}

.article-content h2 {
  margin: 0 0 14px;
  color: var(--ink);
  font-size: clamp(1.75rem, 3vw, 2.45rem);
  line-height: 1.12;
}

.article-content h3 {
  margin: 24px 0 8px;
  color: var(--navy);
  font-size: 1.15rem;
  line-height: 1.25;
}

.article-content p,
.article-content li {
  color: #405066;
  font-size: 1rem;
  line-height: 1.78;
}

.article-content p {
  margin: 0 0 16px;
}

.article-content blockquote {
  margin: 18px 0;
  padding: 18px 20px;
  border-left: 5px solid var(--gold);
  background: #f7fafc;
  color: var(--navy);
  font-size: 1.02rem;
  font-weight: 750;
  line-height: 1.7;
}

.article-content code {
  padding: 2px 6px;
  border: 1px solid #dbe3ee;
  border-radius: 6px;
  background: #f7fafc;
  color: var(--navy);
  font-size: 0.94em;
  font-weight: 800;
  white-space: normal;
}

.article-content ol {
  margin: 0;
  padding-left: 22px;
}

.article-content li + li {
  margin-top: 8px;
}

.article-table-wrap {
  margin: 18px 0 18px;
  overflow-x: auto;
  border: 1px solid var(--line);
  border-radius: 12px;
}

.article-table {
  width: 100%;
  min-width: 680px;
  border-collapse: separate;
  border-spacing: 0;
  background: #fff;
}

.article-table th,
.article-table td {
  padding: 14px 16px;
  text-align: left;
  vertical-align: top;
  border-bottom: 1px solid #dbe3ee;
}

.article-table th {
  background: var(--navy);
  color: #fff;
  font-size: 0.76rem;
  font-weight: 900;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.article-table tbody tr:nth-child(even) {
  background: #f8fbfd;
}

.article-table tbody tr:last-child td {
  border-bottom: 0;
}

.article-table td:first-child {
  width: 120px;
  color: var(--navy);
  font-weight: 900;
}

.article-table td:last-child {
  color: #072b52;
  font-weight: 850;
}

.article-table-wrap.compact .article-table {
  min-width: 520px;
}

.article-cta {
  padding: 26px;
  background: #f7fafc;
  border: 1px solid var(--line);
  border-radius: 12px;
}

.article-cta .button {
  margin-top: 4px;
}

.article-faq-accordion {
  margin-top: 18px;
}

.article-note {
  padding: 20px;
  background: #fbfcfe;
  border: 1px solid var(--line);
  border-radius: 12px;
}

.article-note p {
  margin-bottom: 12px;
  font-size: 0.94rem;
}

.article-note p:last-child {
  margin-bottom: 0;
}

.author-page {
  background: #fff;
}

.author-hero {
  padding: 58px 0;
  background: var(--paper);
  border-bottom: 1px solid var(--line);
}

.author-hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(300px, 420px);
  gap: 42px;
  align-items: center;
}

.author-hero-copy h1 {
  margin: 0 0 10px;
  color: var(--ink);
  font-size: clamp(2.6rem, 6vw, 5rem);
  line-height: 0.98;
}

.author-role {
  margin: 0;
  color: var(--navy);
  font-size: 1.25rem;
  font-weight: 900;
}

.author-specialty {
  margin: 8px 0 18px;
  color: var(--red);
  font-weight: 850;
}

.author-hero-copy p:not(.eyebrow):not(.author-role):not(.author-specialty) {
  max-width: 760px;
  color: var(--muted);
  font-size: 1.05rem;
}

.author-portrait {
  margin: 0;
  overflow: hidden;
  aspect-ratio: 1 / 1;
  border: 1px solid var(--line);
  border-radius: 14px;
  background: var(--soft);
}

.author-portrait img {
  width: 100%;
  height: 100%;
  display: block;
  object-fit: cover;
}

.author-content-grid {
  display: grid;
  grid-template-columns: 300px minmax(0, 1fr);
  gap: 42px;
  align-items: start;
}

.author-card {
  position: sticky;
  top: 104px;
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: 12px;
  background: #fff;
}

.author-card div {
  display: grid;
  gap: 4px;
  padding: 16px;
}

.author-card strong {
  color: var(--ink);
  font-size: 1.05rem;
  font-weight: 900;
}

.author-card span {
  color: var(--muted);
  font-size: 0.9rem;
  font-weight: 700;
}

.author-bio-image {
  margin: 18px 0 22px;
  overflow: hidden;
  width: min(100%, 460px);
  border: 1px solid var(--line);
  border-radius: 14px;
  background: var(--soft);
}

.author-bio-image img {
  display: block;
  width: 100%;
  height: auto;
  object-fit: contain;
}

.author-bio-image-small {
  max-width: 460px;
}

.author-bio blockquote {
  margin: 22px 0 0;
  padding: 18px 20px;
  border-left: 5px solid var(--gold);
  background: #f7fafc;
  color: var(--navy);
  font-size: 1.08rem;
  font-weight: 850;
  line-height: 1.6;
}

.site-footer {
  margin-top: 42px;
  padding: 34px 0;
  background: var(--navy);
  color: #dbe6f0;
  border-top: 5px solid var(--gold);
}

.footer-inner {
  display: grid;
  grid-template-columns: minmax(320px, 1fr) minmax(420px, 560px);
  grid-template-areas:
    "about links"
    "note links";
  gap: 24px 46px;
  align-items: start;
}

.footer-about {
  grid-area: about;
}

.footer-brand {
  display: inline-flex;
  width: min(300px, 100%);
}

.footer-brand img {
  display: block;
  width: 100%;
  height: auto;
}

.site-footer p {
  margin: 8px 0 0;
  color: #c7d4e2;
  max-width: 640px;
}

.footer-links {
  grid-area: links;
  display: grid;
  grid-template-columns: repeat(2, minmax(170px, 1fr));
  gap: 10px 28px;
  align-content: start;
}

.footer-links a {
  display: block;
  color: #dbe6f0;
  font-size: 0.9rem;
  font-weight: 750;
  line-height: 1.35;
}

.footer-links a:hover {
  color: #fff;
  text-decoration: underline;
  text-underline-offset: 3px;
}

.footer-note {
  grid-area: note;
  border: 1px solid #496178;
  padding: 16px;
  color: #dbe6f0;
}

@media (max-width: 900px) {
  .hero-grid,
  .calculator-shell,
  .calculator-layout,
  .content-grid,
  .article-layout,
  .author-hero-grid,
  .author-content-grid,
  .homepage-author-card,
  .footer-inner {
    grid-template-columns: 1fr;
  }

  .footer-inner {
    grid-template-areas:
      "about"
      "links"
      "note";
  }

  .footer-links {
    grid-template-columns: repeat(2, minmax(160px, 1fr));
  }

  .site-nav {
    position: absolute;
    top: 100%;
    left: 16px;
    right: 16px;
    display: none;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    background: #fff;
    border: 1px solid var(--line);
    border-top: 0;
    border-radius: 0 0 12px 12px;
  }

  .site-nav.is-open {
    display: flex;
  }

  .site-nav a {
    padding: 14px 16px;
    border-radius: 0;
    border-bottom: 1px solid var(--line);
  }

  .site-nav a:last-child {
    border-bottom: 0;
  }

  .menu-toggle {
    display: inline-flex;
  }

  .article-sidebar {
    position: static;
  }

  .article-sidebar nav {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .article-layout {
    gap: 24px;
  }

  .article-content {
    max-width: none;
    width: 100%;
  }

  .author-card {
    position: static;
  }

  .homepage-author-card {
    gap: 20px;
    padding: 22px;
  }

  .homepage-author-media {
    width: min(100%, 220px);
    height: auto;
    aspect-ratio: 1 / 1;
  }

  .hero-facts {
    grid-template-columns: 1fr;
  }

  .input-grid {
    grid-template-columns: 1fr;
  }

  .calculator-board {
    padding: 14px;
  }

  .calculator-summary {
    position: static;
    max-height: none;
    overflow: visible;
  }

  .calculator-topline {
    display: grid;
  }

  .rating-grid {
    grid-template-columns: repeat(5, minmax(0, 1fr));
  }

  .setting-row {
    grid-template-columns: 1fr;
    gap: 12px;
  }

  .stepper,
  .radio-row {
    justify-self: start;
  }
}

@media (max-width: 560px) {
  .container {
    width: min(100% - 24px, 1160px);
  }

  .header-inner {
    min-height: 68px;
    gap: 12px;
  }

  .brand {
    width: min(188px, 64vw);
  }

  .site-nav {
    left: 0;
    right: 0;
  }

  .main-section {
    padding: 34px 0;
  }

  .hero {
    padding-top: 42px;
  }

  .panel {
    padding: 18px;
  }

  .result-grid {
    grid-template-columns: 1fr;
  }

  .pay-rates-card > .eyebrow,
  .pay-rates-card > h2,
  .pay-rates-card > p,
  .rates-source {
    margin-left: 18px;
    margin-right: 18px;
  }

  .pay-rates-card h2 {
    font-size: 2rem;
  }

  .rates-source {
    max-width: calc(100% - 36px);
  }

  .rates-table {
    min-width: 0;
  }

  .rates-table thead {
    display: none;
  }

  .rates-table,
  .rates-table tbody,
  .rates-table tr,
  .rates-table td {
    display: block;
    width: 100%;
  }

  .rates-table tr {
    padding: 12px 18px;
    border-bottom: 1px solid var(--line);
  }

  .rates-table td {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 18px;
    padding: 8px 0;
    border-bottom: 0;
    text-align: right;
  }

  .rates-table td::before {
    content: attr(data-label);
    color: var(--muted);
    font-size: 0.74rem;
    font-weight: 900;
    letter-spacing: 0.04em;
    text-align: left;
    text-transform: uppercase;
  }

  .rates-table td:first-child strong {
    min-width: 62px;
  }

  .article-hero {
    padding: 34px 0 28px;
  }

  .article-hero h1 {
    max-width: 100%;
    margin-bottom: 14px;
    font-size: clamp(1.9rem, 9vw, 2.55rem);
    line-height: 1.08;
  }

  .article-hero p:not(.eyebrow) {
    font-size: 0.98rem;
    line-height: 1.65;
  }

  .article-layout {
    gap: 20px;
  }

  .article-sidebar > div {
    border-radius: 10px;
  }

  .article-sidebar span {
    padding: 12px 14px;
  }

  .article-sidebar nav {
    grid-template-columns: 1fr;
  }

  .article-sidebar a {
    padding: 11px 14px;
    font-size: 0.86rem;
  }

  .article-content section {
    scroll-margin-top: 84px;
    padding-bottom: 26px;
    margin-bottom: 26px;
  }

  .article-feature-image {
    margin-bottom: 20px;
    border-radius: 10px;
  }

  .article-content h2 {
    font-size: clamp(1.45rem, 7vw, 2rem);
    line-height: 1.16;
  }

  .article-content h3 {
    margin-top: 20px;
    font-size: 1.05rem;
  }

  .article-content p,
  .article-content li {
    font-size: 0.96rem;
    line-height: 1.7;
  }

  .article-content ol {
    padding-left: 20px;
  }

  .article-table-wrap {
    margin: 16px 0;
    overflow: hidden;
    border-radius: 10px;
  }

  .article-table {
    min-width: 0;
  }

  .article-table-wrap.compact .article-table {
    min-width: 0;
  }

  .article-table thead {
    display: none;
  }

  .article-table,
  .article-table tbody,
  .article-table tr,
  .article-table td {
    display: block;
    width: 100%;
  }

  .article-table tr {
    padding: 12px 14px;
    border-bottom: 1px solid var(--line);
  }

  .article-table tr:last-child {
    border-bottom: 0;
  }

  .article-table td {
    padding: 7px 0;
    border-bottom: 0;
    font-size: 0.94rem;
  }

  .article-table td::before {
    content: attr(data-label);
    display: block;
    margin-bottom: 2px;
    color: var(--muted);
    font-size: 0.72rem;
    font-weight: 900;
    letter-spacing: 0.04em;
    text-transform: uppercase;
  }

  .article-table td:first-child {
    width: 100%;
  }

  .article-cta {
    padding: 18px;
    border-radius: 10px;
  }

  .article-cta .button {
    width: 100%;
  }

  .article-faq-accordion {
    margin-top: 14px;
  }

  .faq-accordion-item {
    border-radius: 10px;
  }

  .faq-accordion-item summary {
    min-height: 58px;
    padding: 14px;
    gap: 12px;
    font-size: 0.94rem;
  }

  .faq-accordion-item summary strong {
    width: 28px;
    height: 28px;
    font-size: 1rem;
  }

  .faq-accordion-item p {
    padding: 0 14px 16px;
    font-size: 0.94rem;
    line-height: 1.65;
  }

  .article-note {
    padding: 16px;
    border-radius: 10px;
  }

  .footer-links {
    grid-template-columns: 1fr;
    gap: 9px;
  }

  .homepage-author-card {
    padding: 18px;
    border-radius: 10px;
  }

  .homepage-author-media {
    border-radius: 10px;
  }

  .author-hero {
    padding: 36px 0;
  }

  .author-hero-grid,
  .author-content-grid {
    gap: 22px;
  }

  .author-hero-copy h1 {
    font-size: clamp(2.2rem, 13vw, 3.2rem);
  }

  .author-role {
    font-size: 1.05rem;
  }

  .author-hero-copy p:not(.eyebrow):not(.author-role):not(.author-specialty) {
    font-size: 0.97rem;
    line-height: 1.65;
  }

  .author-portrait {
    border-radius: 10px;
  }

  .author-bio blockquote {
    padding: 16px;
    font-size: 1rem;
  }

  .author-bio-image {
    margin: 16px 0 20px;
    width: 100%;
    border-radius: 10px;
  }

  .author-bio-image-small {
    max-width: none;
  }
}