:root {
  --ink: #3f4b79;
  --ink-soft: #5a648c;
  --heading: #2c355c;
  --line: #d5dae8;
  --bg: #ffffff;
  --banner-tint: rgba(28, 40, 72, 0.55);
  --accent: #006e94;
  --footer-bg: #1f2a4a;
  --footer-text: #d7dceb;
  --max: 1100px;
  --font: "Source Sans 3", "Helvetica Neue", Helvetica, Arial, sans-serif;
  --display: "Poppins", "Segoe UI", "Helvetica Neue", Arial, sans-serif;
}

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

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--ink);
  font-family: var(--font);
  font-size: 16px;
  line-height: 1.7;
  background: var(--bg);
}

img {
  max-width: 100%;
  height: auto;
}

a {
  color: var(--accent);
  text-decoration: none;
}

a:hover,
a:focus-visible {
  text-decoration: underline;
}

.brand,
.brand:hover,
.brand:focus-visible {
  text-decoration: none;
}

.site-header {
  border-bottom: 1px solid var(--line);
  background: #fff;
}

.header-inner {
  width: min(100% - 2rem, var(--max));
  margin: 0 auto;
  min-height: 72px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 0.75rem;
  color: var(--heading);
  text-decoration: none;
}

.brand-mark {
  display: block;
  width: 52px;
  height: 48px;
  flex-shrink: 0;
}

.brand-lockup {
  display: flex;
  flex-direction: column;
  gap: 0.05rem;
  line-height: 1;
}

.brand-steady {
  font-family: var(--display);
  font-size: 1.15rem;
  font-weight: 700;
  letter-spacing: 0.06em;
}

.brand-pathway {
  font-family: var(--display);
  font-size: 0.78rem;
  font-weight: 400;
  letter-spacing: 0.28em;
}

.nav {
  display: flex;
  flex-wrap: wrap;
  justify-content: flex-end;
  gap: 0.65rem 1.1rem;
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.03em;
  text-transform: uppercase;
}

.nav a {
  color: var(--heading);
  text-decoration: none;
}

.nav a:hover,
.nav a:focus-visible {
  color: var(--accent);
}

.page-banner {
  position: relative;
  min-height: 350px;
  display: grid;
  place-items: center;
  overflow: hidden;
  color: #fff;
}

.page-banner-bg {
  position: absolute;
  inset: 0;
  background-position: center;
  background-size: cover;
  background-repeat: no-repeat;
}

.page-banner-overlay {
  position: absolute;
  inset: 0;
  background: var(--banner-tint);
}

.page-banner-inner {
  position: relative;
  z-index: 1;
  width: min(100% - 2rem, 820px);
  text-align: center;
  padding: 3.5rem 0;
}

.page-banner h1 {
  margin: 0;
  font-size: clamp(1.75rem, 3.2vw, 2.35rem);
  font-weight: 700;
  line-height: 1.25;
  letter-spacing: 0.01em;
}

.title-rule {
  width: 72px;
  height: 3px;
  margin: 1.1rem auto 0;
  background: #fff;
}

.page-wrap {
  width: min(100% - 2rem, var(--max));
  margin: 0 auto;
  padding: 2.5rem 0 4rem;
}

.layout {
  display: grid;
  grid-template-columns: minmax(0, 2fr) minmax(220px, 1fr);
  gap: 2.5rem 3rem;
  align-items: start;
}

.article {
  min-width: 0;
}

.meta-dates {
  margin: 0 0 0.5rem;
  color: var(--ink-soft);
  font-size: 0.95rem;
  font-weight: 600;
  line-height: 1.55;
}

.meta-dates span {
  display: block;
}

.byline {
  margin: 0 0 1rem;
  color: var(--ink-soft);
  font-size: 0.98rem;
}

.author-role {
  margin: -0.5rem 0 1.25rem;
  color: var(--ink-soft);
  font-weight: 600;
}

.audience-box {
  margin: 0 0 1.25rem;
  padding: 1rem 1.1rem;
  border: 1px solid var(--line);
  background: linear-gradient(135deg, #f5f8fc 0%, #eef3f9 100%);
}

.audience-box-label {
  margin: 0 0 0.5rem;
  color: var(--heading);
  font-family: var(--display);
  font-size: 0.95rem;
  font-weight: 700;
}

.audience-box ul {
  margin: 0;
  padding-left: 1.15rem;
}

.audience-box li {
  margin: 0 0 0.3rem;
  color: var(--ink);
  font-size: 0.95rem;
}

.viz {
  margin: 1.35rem 0 1.5rem;
  padding: 1.15rem 1.1rem;
  border: 1px solid var(--line);
  background: #fafbfd;
}

.viz-caption {
  margin: 0 0 0.85rem;
  color: var(--heading);
  font-family: var(--display);
  font-size: 0.92rem;
  font-weight: 700;
}

.viz-note {
  margin: 0.75rem 0 0;
  color: var(--ink-soft);
  font-size: 0.85rem;
}

.flow {
  display: flex;
  flex-direction: column;
  align-items: stretch;
  gap: 0;
  max-width: 18rem;
  margin: 0 auto;
}

.flow-step {
  padding: 0.65rem 0.85rem;
  text-align: center;
  border: 1px solid #b8c4d8;
  background: #fff;
  color: var(--heading);
  font-weight: 700;
  font-size: 0.95rem;
}

.flow-arrow {
  display: flex;
  justify-content: center;
  color: var(--accent);
  font-size: 1.1rem;
  line-height: 1.4;
  font-weight: 700;
}

.sample-statement {
  margin: 0;
  overflow-x: auto;
  font-family: "Source Sans 3", ui-monospace, monospace;
  font-size: 0.9rem;
  line-height: 1.55;
}

.sample-statement table {
  width: 100%;
  border-collapse: collapse;
  min-width: 16rem;
}

.sample-statement th,
.sample-statement td {
  padding: 0.4rem 0.55rem;
  border-bottom: 1px solid var(--line);
  text-align: left;
}

.sample-statement th {
  color: var(--ink-soft);
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.sample-statement .amt-in {
  color: #1a7a4c;
  font-weight: 700;
  text-align: right;
  white-space: nowrap;
}

.sample-statement .amt-out {
  color: #9b2c2c;
  font-weight: 700;
  text-align: right;
  white-space: nowrap;
}

.compare-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.92rem;
}

.compare-table th,
.compare-table td {
  padding: 0.5rem 0.6rem;
  border: 1px solid var(--line);
  text-align: left;
}

.compare-table th {
  background: #eef2f8;
  color: var(--heading);
  font-weight: 700;
}

.compare-table td:not(:first-child) {
  text-align: right;
  white-space: nowrap;
}

.faq {
  margin: 2rem 0 0;
  padding-top: 1.5rem;
  border-top: 1px solid var(--line);
}

.faq h2 {
  margin: 0 0 0.85rem;
  color: var(--heading);
  font-size: 1.25rem;
}

.faq details {
  margin: 0 0 0.55rem;
  padding: 0.65rem 0.85rem;
  border: 1px solid var(--line);
  background: #fff;
}

.faq summary {
  cursor: pointer;
  color: var(--heading);
  font-weight: 700;
}

.faq details p {
  margin: 0.55rem 0 0;
  font-size: 0.95rem;
}

.advice-box {
  margin: 1.75rem 0 0;
  padding: 1.1rem 1.15rem;
  border-left: 3px solid var(--accent);
  background: #f3f6fb;
}

.advice-box h2 {
  margin: 0 0 0.55rem;
  color: var(--heading);
  font-size: 1.15rem;
}

.advice-box ul {
  margin: 0;
  padding-left: 1.15rem;
}

.advice-box li {
  margin: 0 0 0.35rem;
  font-size: 0.95rem;
}

.sources-reviewed {
  margin: 0 0 0.75rem;
  color: var(--ink-soft);
  font-size: 0.9rem;
  font-weight: 600;
}

.disclaimer {
  margin: 0 0 1.35rem;
  padding: 0.9rem 1rem;
  border-left: 3px solid var(--accent);
  background: #f3f6fb;
  color: var(--ink);
  font-size: 0.95rem;
}


.widget-note-text {
  margin: 0;
  color: var(--ink-soft);
  font-size: 0.92rem;
}

.contact-form {
  margin-top: 1.5rem;
  padding: 1.25rem;
  border: 1px solid var(--line);
  border-radius: 0.75rem;
  background: #f8f9fc;
}

.contact-form h2 {
  margin-top: 0;
}

.contact-form label {
  display: grid;
  gap: 0.35rem;
  margin: 0 0 0.9rem;
  font-weight: 600;
  color: var(--heading);
}

.contact-form input,
.contact-form textarea {
  width: 100%;
  padding: 0.65rem 0.75rem;
  border: 1px solid var(--line);
  border-radius: 0.45rem;
  font: inherit;
  color: var(--ink);
  background: #fff;
}

.contact-form input.is-invalid,
.contact-form textarea.is-invalid {
  border-color: #b42318;
}

.field-error {
  color: #b42318;
  font-size: 0.85rem;
  font-weight: 500;
}

.contact-form button {
  display: inline-flex;
  padding: 0.7rem 1.15rem;
  border: 0;
  border-radius: 0.45rem;
  background: var(--accent);
  color: #fff;
  font: inherit;
  font-weight: 600;
  cursor: pointer;
}

.contact-form button:hover,
.contact-form button:focus-visible {
  background: #055a78;
}

.form-note {
  margin: 0.75rem 0 0;
  color: var(--ink-soft);
  font-size: 0.9rem;
  font-weight: 400;
}

body.modal-open {
  overflow: hidden;
}

.modal[hidden] {
  display: none;
}

.modal {
  position: fixed;
  inset: 0;
  z-index: 1000;
  display: grid;
  place-items: center;
  padding: 1.25rem;
}

.modal-backdrop {
  position: absolute;
  inset: 0;
  background: rgba(20, 28, 48, 0.55);
}

.modal-dialog {
  position: relative;
  z-index: 1;
  width: min(100%, 26rem);
  padding: 1.5rem;
  border-radius: 0.75rem;
  background: #fff;
  box-shadow: 0 20px 50px rgba(20, 28, 48, 0.25);
}

.modal-dialog h2 {
  margin: 0 0 0.65rem;
  color: var(--heading);
  font-size: 1.35rem;
}

.modal-dialog p {
  margin: 0 0 1.25rem;
  color: var(--ink);
}

.modal-close {
  display: inline-flex;
  padding: 0.65rem 1.1rem;
  border: 0;
  border-radius: 0.45rem;
  background: var(--accent);
  color: #fff;
  font: inherit;
  font-weight: 600;
  cursor: pointer;
}

.modal-close:hover,
.modal-close:focus-visible {
  background: #055a78;
}

.article > p {
  margin: 0 0 1rem;
}

.article > h2 {
  margin: 1.85rem 0 0.65rem;
  color: var(--heading);
  font-size: 1.25rem;
  line-height: 1.3;
}

.article-list {
  margin: 0 0 1rem;
  padding-left: 1.25rem;
}

.article-list li {
  margin: 0 0 0.45rem;
}

.widget ul:not(:has(a)) li {
  color: var(--ink-soft);
}

.tips {
  margin: 1.25rem 0 0;
  padding-left: 1.35rem;
}

.tips li {
  margin: 0 0 1rem;
  padding-left: 0.25rem;
}

.tips strong {
  display: block;
  margin-bottom: 0.15rem;
  color: var(--heading);
  font-weight: 700;
}

.tips li p {
  margin: 0.55rem 0 0;
  color: var(--ink);
}

.author-box {
  margin: 0 0 1.25rem;
  padding: 1rem 1.1rem;
  border: 1px solid var(--line);
  border-radius: 0.65rem;
  background: #f7f8fc;
}

.author-box-label {
  margin: 0 0 0.35rem;
  color: var(--ink-soft);
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.author-box p:last-child {
  margin: 0;
  font-size: 0.95rem;
}

.sources {
  margin-top: 2.5rem;
  padding-top: 1.5rem;
  border-top: 1px solid var(--line);
}

.sources h2 {
  margin: 0 0 0.75rem;
  color: var(--heading);
  font-size: 1.25rem;
}

.sources ul {
  margin: 0 0 1rem;
  padding-left: 1.2rem;
}

.sources li {
  margin: 0 0 0.45rem;
}

.tip-img {
  display: block;
  width: min(100%, 300px);
  margin: 1rem auto;
  border: 0;
}

.sidebar {
  min-width: 0;
}

.widget {
  margin: 0 0 1.75rem;
  padding-bottom: 1.25rem;
  border-bottom: 1px solid var(--line);
}

.widget:last-child {
  border-bottom: 0;
  margin-bottom: 0;
  padding-bottom: 0;
}

.widget-title {
  margin: 0 0 0.75rem;
  color: var(--heading);
  font-size: 1.05rem;
  font-weight: 700;
}

.widget ul {
  margin: 0;
  padding-left: 1.1rem;
}

.widget li {
  margin: 0 0 0.55rem;
}

.widget-note p {
  margin: 0;
  color: var(--ink-soft);
  font-size: 0.95rem;
}

.site-footer {
  background: var(--footer-bg);
  color: var(--footer-text);
}

.footer-inner {
  width: min(100% - 2rem, var(--max));
  margin: 0 auto;
  padding: 1.75rem 0;
  font-size: 0.95rem;
}

.footer-contact {
  margin: 0.85rem 0 0;
  color: var(--footer-text);
  font-size: 0.9rem;
  line-height: 1.55;
}

.footer-contact a {
  color: #fff;
}

.site-footer strong {
  color: #fff;
}

.footer-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem 1.25rem;
  margin-top: 0.85rem;
}

.footer-nav a {
  color: var(--footer-text);
  font-size: 0.9rem;
  text-decoration: none;
}

.footer-nav a:hover,
.footer-nav a:focus-visible {
  color: #fff;
  text-decoration: underline;
}

.legal-page {
  padding: 2.5rem 0 4rem;
}

.legal-wrap {
  width: min(100% - 2rem, 46rem);
  margin: 0 auto;
}

.legal-updated {
  margin: 0 0 0.75rem;
  color: var(--ink-soft);
  font-size: 0.95rem;
  font-weight: 600;
}

.legal-page h1 {
  margin: 0 0 1.25rem;
  color: var(--heading);
  font-size: clamp(1.75rem, 3vw, 2.15rem);
  line-height: 1.25;
}

.legal-page h2 {
  margin: 1.85rem 0 0.65rem;
  color: var(--heading);
  font-size: 1.2rem;
}

.legal-page p,
.legal-page li {
  color: var(--ink);
}

.legal-page p {
  margin: 0 0 1rem;
}

.legal-page ul {
  margin: 0 0 1rem;
  padding-left: 1.25rem;
}

.legal-page li {
  margin: 0 0 0.45rem;
}

@media (max-width: 860px) {
  .layout {
    grid-template-columns: 1fr;
    gap: 2rem;
  }

  .sidebar {
    order: 2;
    display: grid;
    grid-template-columns: 1fr;
    gap: 0;
  }

  .page-banner {
    min-height: 260px;
  }
}

@media (max-width: 560px) {
  .nav {
    gap: 0.85rem;
    font-size: 0.78rem;
  }

  .tips {
    padding-left: 1.15rem;
  }
}