:root {
  --bg: #f2ede3;
  --bg-2: #e9e1d1;
  --surface: #fbf8f1;
  --surface-strong: #fffdf8;
  --ink: #1a1a1a;
  --ink-2: #4a4a4a;
  --ink-3: #74736f;
  --line: #d9d2c2;
  --gkv: #2d5f4f;
  --gkv-soft: #c8dad3;
  --pkv: #1f3a5f;
  --pkv-soft: #c7d3e0;
  --warn: #b85a20;
  --warn-soft: #f0d9c5;
  --gold: #a88528;
  --shadow: 0 18px 48px rgba(56, 45, 24, 0.08);
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body.content-page {
  margin: 0;
  background: var(--bg);
  color: var(--ink);
  font-family: "Geist", system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 16px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  background-image:
    radial-gradient(circle at 12% 6%, rgba(45, 95, 79, 0.055), transparent 28rem),
    radial-gradient(circle at 90% 34%, rgba(31, 58, 95, 0.045), transparent 30rem);
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  border-bottom: 1px solid rgba(217, 210, 194, 0.92);
  background: rgba(242, 237, 227, 0.94);
  backdrop-filter: blur(16px);
}

.site-header-inner {
  width: min(1240px, calc(100% - 40px));
  min-height: 66px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  gap: 22px;
}

.site-brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  flex: 0 0 auto;
  color: var(--ink);
  text-decoration: none;
  font-family: "Fraunces", Georgia, serif;
  font-size: 1.18rem;
  font-weight: 550;
  letter-spacing: -0.02em;
}

.site-brand-mark {
  width: 28px;
  height: 28px;
  display: block;
  flex: 0 0 28px;
}

.site-nav {
  display: flex;
  align-items: center;
  gap: 3px;
  margin-left: auto;
}

.site-nav a {
  padding: 9px 10px;
  border-radius: 3px;
  color: var(--ink-2);
  font-size: 0.86rem;
  font-weight: 500;
  text-decoration: none;
  white-space: nowrap;
}

.site-nav a:hover,
.site-nav a[aria-current="page"] {
  background: rgba(255, 255, 255, 0.55);
  color: var(--ink);
}

.site-nav .nav-cta {
  margin-left: 7px;
  padding-inline: 14px;
  color: #fff;
  background: var(--pkv);
}

.site-nav .nav-cta:hover,
.site-nav .nav-cta[aria-current="page"] {
  color: #fff;
  background: #162c49;
}

.site-menu-button {
  display: none;
  margin-left: auto;
  padding: 9px 12px;
  border: 1px solid var(--line);
  border-radius: 3px;
  background: var(--surface);
  color: var(--ink);
  font: inherit;
  font-size: 0.9rem;
  cursor: pointer;
}

.content-shell {
  width: min(1140px, calc(100% - 40px));
  margin: 0 auto;
}

.breadcrumbs {
  display: flex;
  flex-wrap: wrap;
  gap: 7px;
  padding: 25px 0 0;
  color: var(--ink-3);
  font-size: 0.82rem;
}

.breadcrumbs a { color: var(--ink-2); text-decoration: none; }
.breadcrumbs a:hover { text-decoration: underline; }

.content-hero {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 250px;
  gap: 72px;
  align-items: end;
  padding: 55px 0 48px;
  border-bottom: 1px solid var(--line);
}

.content-kicker {
  margin: 0 0 18px;
  color: var(--warn);
  font-size: 0.76rem;
  font-weight: 650;
  letter-spacing: 0.14em;
  text-transform: uppercase;
}

.abbreviation-note {
  margin: 0 0 13px;
  color: var(--ink-3);
  font-size: 0.78rem;
  line-height: 1.55;
}

.abbreviation-note strong { color: var(--ink-2); }

.content-hero h1 {
  max-width: 850px;
  margin: 0 0 22px;
  font-family: "Fraunces", Georgia, serif;
  font-size: clamp(2.6rem, 6vw, 4.9rem);
  font-weight: 380;
  letter-spacing: -0.035em;
  line-height: 1.02;
}

.content-deck {
  max-width: 780px;
  margin: 0;
  color: var(--ink-2);
  font-size: clamp(1.08rem, 2vw, 1.28rem);
  line-height: 1.55;
}

.hero-meta {
  padding: 19px 0 4px;
  border-top: 2px solid var(--ink);
  color: var(--ink-2);
  font-size: 0.82rem;
}

.hero-meta strong {
  display: block;
  margin-bottom: 4px;
  color: var(--ink);
  font-size: 0.76rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.status-pill {
  display: inline-flex;
  margin-bottom: 11px;
  padding: 5px 9px;
  border-radius: 99px;
  background: var(--warn-soft);
  color: #753714;
  font-size: 0.74rem;
  font-weight: 650;
}

.article-layout {
  display: grid;
  grid-template-columns: minmax(0, 760px) 260px;
  gap: 82px;
  align-items: start;
  padding: 50px 0 74px;
}

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

.answer-box {
  margin-bottom: 42px;
  padding: 25px 27px;
  border: 1px solid var(--line);
  border-left: 4px solid var(--gkv);
  border-radius: 3px;
  background: var(--surface-strong);
  box-shadow: var(--shadow);
}

.answer-box .answer-label {
  display: block;
  margin-bottom: 9px;
  color: var(--gkv);
  font-size: 0.76rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.answer-box p { margin: 0; font-size: 1.08rem; }

.fact-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
  margin: 0 0 46px;
}

.fact-card {
  min-height: 132px;
  padding: 19px;
  border: 1px solid var(--line);
  border-radius: 3px;
  background: rgba(251, 248, 241, 0.7);
}

.fact-value {
  display: block;
  margin-bottom: 8px;
  font-family: "Fraunces", Georgia, serif;
  font-size: 1.55rem;
  font-weight: 500;
  line-height: 1.05;
}

.fact-label { color: var(--ink-2); font-size: 0.82rem; line-height: 1.4; }

.article-section {
  scroll-margin-top: 100px;
  margin: 0 0 46px;
}

.article-section h2,
.related-block h2,
.sources-block h2,
.faq-block h2 {
  margin: 0 0 18px;
  font-family: "Fraunces", Georgia, serif;
  font-size: clamp(1.8rem, 3.5vw, 2.55rem);
  font-weight: 430;
  letter-spacing: -0.025em;
  line-height: 1.12;
}

.article-section h3 {
  margin: 27px 0 9px;
  font-family: "Fraunces", Georgia, serif;
  font-size: 1.35rem;
  font-weight: 520;
}

.article-section p { margin: 0 0 17px; }
.article-section ul,
.article-section ol { margin: 0 0 19px; padding-left: 1.25rem; }
.article-section li { margin: 0 0 8px; }

.article-body a { color: var(--pkv); text-underline-offset: 3px; }

.note,
.warning,
.status-box {
  margin: 24px 0;
  padding: 19px 21px;
  border-radius: 3px;
  background: var(--gkv-soft);
  color: #183b31;
}

.warning { background: var(--warn-soft); color: #6a3418; }
.status-box { border: 1px solid var(--line); background: var(--surface); color: var(--ink-2); }
.note strong,
.warning strong,
.status-box strong { color: inherit; }

.comparison-table {
  width: 100%;
  margin: 24px 0;
  border-collapse: collapse;
  font-size: 0.92rem;
}

.comparison-table th,
.comparison-table td {
  padding: 13px 14px;
  border: 1px solid var(--line);
  text-align: left;
  vertical-align: top;
}

.comparison-table th { background: var(--bg-2); font-weight: 650; }
.comparison-table td { background: rgba(255, 253, 248, 0.55); }
.money { white-space: nowrap; }

.calculator-card {
  margin: 26px 0;
  padding: 26px;
  border: 1px solid var(--line);
  border-top: 4px solid var(--gkv);
  border-radius: 4px;
  background: var(--surface-strong);
  box-shadow: var(--shadow);
}

.calculator-card h3 { margin-top: 0; }

.calculator-intro {
  margin-bottom: 22px !important;
  color: var(--ink-2);
  font-size: .9rem;
}

.calculator-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 17px;
}

.calculator-field {
  display: grid;
  align-content: start;
  gap: 7px;
}

.calculator-field > span,
.calculator-field legend {
  color: var(--ink-2);
  font-size: .82rem;
  font-weight: 650;
}

.calculator-field input,
.calculator-field select {
  width: 100%;
  min-height: 46px;
  padding: 10px 12px;
  border: 1px solid #c9c0ae;
  border-radius: 3px;
  background: #fff;
  color: var(--ink);
  font: inherit;
}

.calculator-field input:focus,
.calculator-field select:focus {
  outline: 3px solid rgba(45, 95, 79, .17);
  border-color: var(--gkv);
}

.calculator-check {
  display: flex;
  align-items: center;
  gap: 9px;
  min-height: 46px;
  padding-top: 25px;
  color: var(--ink-2);
  font-size: .88rem;
}

.calculator-check input { width: 18px; height: 18px; }

.calculator-results {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 11px;
  margin-top: 24px;
  padding-top: 22px;
  border-top: 1px solid var(--line);
}

.calculator-result {
  min-width: 0;
  padding: 16px;
  border-radius: 3px;
  background: var(--bg);
}

.calculator-result.is-primary {
  color: #fff;
  background: var(--gkv);
}

.calculator-result small,
.calculator-result strong { display: block; }
.calculator-result small { color: inherit; opacity: .78; font-size: .74rem; line-height: 1.35; }
.calculator-result strong { margin-top: 5px; font-family: "Fraunces", Georgia, serif; font-size: 1.45rem; font-weight: 520; line-height: 1.15; white-space: nowrap; }

.calculator-details {
  grid-column: 1 / -1;
  margin: 4px 0 0;
  padding: 15px 0 0;
  border-top: 1px solid var(--line);
  color: var(--ink-2);
  font-size: .83rem;
}

.calculator-details p { margin: 4px 0; }
.calculator-privacy { margin: 18px 0 0 !important; color: var(--ink-3); font-size: .76rem; }

.partner-card {
  margin: 46px 0;
  padding: 27px;
  border-radius: 4px;
  color: #fff;
  background: var(--pkv);
}

.partner-card .ad-label {
  display: block;
  margin-bottom: 10px;
  color: rgba(255,255,255,.68);
  font-size: 0.72rem;
  font-weight: 650;
  letter-spacing: .12em;
  text-transform: uppercase;
}

.partner-card h2 {
  margin: 0 0 10px;
  font-family: "Fraunces", Georgia, serif;
  font-size: 1.85rem;
  font-weight: 450;
}

.partner-card p { margin: 0 0 18px; color: rgba(255,255,255,.82); }

.partner-button,
.primary-link {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  padding: 10px 16px;
  border: 1px solid rgba(255,255,255,.35);
  border-radius: 3px;
  background: #fff;
  color: var(--pkv) !important;
  font-weight: 650;
  text-decoration: none;
}

.partner-smallprint { margin: 12px 0 0 !important; font-size: .76rem; }

.tariff-embed {
  margin-top: 22px;
  padding: 20px;
  border: 1px solid rgba(255,255,255,.23);
  background: rgba(255,255,255,.07);
}

.tariff-embed button {
  min-height: 44px;
  padding: 10px 15px;
  border: 0;
  border-radius: 3px;
  background: #fff;
  color: var(--pkv);
  font: inherit;
  font-weight: 650;
  cursor: pointer;
}

#tcpp-iframe-pkv iframe { width: 100% !important; max-width: 100%; border: 0; }

.article-toc {
  position: sticky;
  top: 96px;
  padding-top: 16px;
  border-top: 2px solid var(--ink);
}

.article-toc strong {
  display: block;
  margin-bottom: 12px;
  font-size: 0.74rem;
  letter-spacing: .1em;
  text-transform: uppercase;
}

.article-toc a {
  display: block;
  padding: 7px 0;
  border-bottom: 1px solid rgba(217,210,194,.7);
  color: var(--ink-2);
  font-size: .83rem;
  line-height: 1.35;
  text-decoration: none;
}

.article-toc a:hover { color: var(--warn); }

.faq-block,
.related-block,
.sources-block {
  margin-top: 50px;
  padding-top: 38px;
  border-top: 1px solid var(--line);
}

.faq-item { padding: 17px 0; border-bottom: 1px solid var(--line); }
.faq-item h3 { margin: 0 0 7px; font-size: 1.05rem; }
.faq-item p { margin: 0; color: var(--ink-2); }

.related-grid,
.hub-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px;
}

.related-card,
.hub-card {
  display: block;
  min-height: 160px;
  padding: 22px;
  border: 1px solid var(--line);
  border-radius: 3px;
  background: rgba(251,248,241,.72);
  color: var(--ink) !important;
  text-decoration: none;
  transition: transform .16s ease, background .16s ease;
}

.related-card:hover,
.hub-card:hover { transform: translateY(-2px); background: var(--surface-strong); }
.related-card small,
.hub-card small { display: block; margin-bottom: 9px; color: var(--warn); font-weight: 650; text-transform: uppercase; letter-spacing: .08em; }
.related-card strong,
.hub-card strong { display: block; font-family: "Fraunces", Georgia, serif; font-size: 1.25rem; line-height: 1.18; }
.related-card span,
.hub-card span { display: block; margin-top: 8px; color: var(--ink-2); font-size: .85rem; }

.sources-block ol { margin: 0; padding-left: 1.15rem; }
.sources-block li { margin-bottom: 9px; color: var(--ink-2); font-size: .84rem; overflow-wrap: anywhere; }
.editorial-meta { margin-top: 22px; }
.editorial-meta p { margin: 5px 0; color: var(--ink-2); font-size: .84rem; }
.change-log { margin-top: 18px; color: var(--ink-2); font-size: .84rem; }
.change-log summary { cursor: pointer; color: var(--ink); font-weight: 650; }
.change-log p { margin: 10px 0 0; }

.content-disclaimer {
  margin-top: 42px;
  padding: 19px 21px;
  border: 1px solid var(--line);
  color: var(--ink-2);
  background: rgba(251,248,241,.55);
  font-size: .83rem;
}

.hub-intro { max-width: 760px; }
.hub-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); margin-top: 12px; }
.hub-card { min-height: 210px; }
.hub-card .arrow { margin-top: 18px; color: var(--pkv); font-weight: 650; }
.hub-empty { padding: 24px; border: 1px dashed var(--line); color: var(--ink-3); }

.free-tools-section {
  padding: 48px 0;
  border-top: 1px solid var(--line);
}

.free-tools-section h2 {
  margin: 0 0 10px;
  font-family: "Fraunces", Georgia, serif;
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 430;
  letter-spacing: -.025em;
}

.free-tools-section > p { max-width: 760px; margin: 0 0 24px; color: var(--ink-2); }

.content-footer {
  border-top: 1px solid var(--line);
  background: rgba(233,225,209,.58);
}

.content-footer-inner {
  width: min(1140px, calc(100% - 40px));
  margin: 0 auto;
  padding: 34px 0 52px;
  display: flex;
  justify-content: space-between;
  gap: 30px;
  color: var(--ink-2);
  font-size: .82rem;
}

.content-footer a { color: var(--ink-2); }

/* Global navigation on the calculator page */
body:not(.content-page) > .site-header { margin-bottom: 0; }
body:not(.content-page) .site-header + .nav-toggle { top: 82px; }

@media (max-width: 1040px) {
  .site-menu-button { display: inline-flex; }
  .site-nav {
    position: absolute;
    top: 66px;
    left: 0;
    right: 0;
    display: none;
    padding: 12px 20px 18px;
    border-bottom: 1px solid var(--line);
    background: var(--surface-strong);
    box-shadow: var(--shadow);
  }
  .site-nav.is-open { display: grid; }
  .site-nav a { padding: 11px 8px; }
  .site-nav .nav-cta { margin: 6px 0 0; text-align: center; }
  .content-hero { grid-template-columns: 1fr; gap: 28px; }
  .hero-meta { max-width: 330px; }
  .article-layout { grid-template-columns: minmax(0, 1fr); gap: 0; }
  .article-toc { position: static; order: -1; margin-bottom: 36px; }
  .article-toc a { display: inline-block; margin-right: 14px; }
  .hub-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}

@media (max-width: 680px) {
  .site-header-inner,
  .content-shell,
  .content-footer-inner { width: min(100% - 28px, 1140px); }
  .site-brand { font-size: 1.05rem; }
  .content-hero { padding: 40px 0 36px; }
  .content-hero h1 { font-size: clamp(2.25rem, 12vw, 3.35rem); }
  .article-layout { padding-top: 34px; }
  .fact-grid,
  .related-grid,
  .hub-grid { grid-template-columns: 1fr; }
  .fact-card { min-height: auto; }
  .answer-box,
  .partner-card { padding: 21px; }
  .comparison-table { display: block; overflow-x: auto; }
  .calculator-card { padding: 20px; }
  .calculator-grid,
  .calculator-results { grid-template-columns: 1fr; }
  .calculator-check { padding-top: 0; }
  .calculator-result strong { white-space: normal; }
  .content-footer-inner { display: block; }
}

@media print {
  .site-header,
  .article-toc,
  .partner-card { display: none !important; }
  body.content-page { background: #fff; }
  .content-shell { width: 100%; }
  .article-layout,
  .content-hero { display: block; }
}