/* Self-hosted fonts (SIL Open Font License) */
@font-face { font-family: 'Newsreader'; font-style: normal; font-display: swap; font-weight: 200 800; src: url(/assets/fonts/newsreader.woff2) format('woff2'); unicode-range: U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD; }
@font-face { font-family: 'Public Sans'; font-style: normal; font-display: swap; font-weight: 100 900; src: url(/assets/fonts/public-sans.woff2) format('woff2'); unicode-range: U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD; }

:root {
  --navy: #16324F; --navy-2: #1E4266; --navy-dk: #0E2236;
  --green: #1F7A57; --green-dk: #17603F; --mint: #E1F0E8;
  --ink: #142231; --body: #26333F; --muted: #4E5B67;
  --cream: #F6F3EC; --tan: #EEE9DE; --line: #E3DDD0; --card: #FFFFFF;
  --gold: #B8862B;
  --serif: 'Newsreader', Georgia, serif;
  --sans: 'Public Sans', system-ui, -apple-system, 'Segoe UI', sans-serif;
  --r: 14px;
  --shadow: 0 1px 2px rgba(14,34,54,.05), 0 6px 20px rgba(14,34,54,.06);
  --shadow-lg: 0 18px 44px rgba(14,34,54,.14);
}

* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body { margin: 0; background: #fff; color: var(--body); font: 18px/1.65 var(--sans); }
img { max-width: 100%; height: auto; }
a { color: var(--green-dk); text-underline-offset: 3px; }
h1, h2, h3 { color: var(--ink); line-height: 1.15; margin: 0; }
h1, h2.section-title, .cta-band h2 { font-family: var(--serif); font-weight: 600; letter-spacing: -.015em; }
.sr { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }
.skip { position: absolute; left: -999px; }
.skip:focus { left: 16px; top: 8px; background: #fff; padding: 8px 12px; z-index: 50; }

.wrap { max-width: 1120px; margin: 0 auto; padding: 0 24px; }
.narrow { max-width: 780px; }
.section { padding: 80px 24px; }
.center { text-align: center; }
.ic { width: 20px; height: 20px; flex: none; }
.ic-sm { width: 16px; height: 16px; flex: none; vertical-align: -3px; }

.eyebrow { font-size: 12.5px; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; color: var(--green); margin: 0 0 10px; }
.section-title { font-size: clamp(30px, 3.6vw, 42px); margin-bottom: 14px; }
.section-sub { color: var(--muted); max-width: 640px; margin: 0 0 32px; }
.text-link { font-weight: 700; text-decoration: none; display: inline-flex; gap: 6px; align-items: center; }
.text-link:hover { text-decoration: underline; }

/* Buttons */
.btn { display: inline-flex; align-items: center; gap: 10px; border-radius: 12px; padding: 15px 22px; font-weight: 700; font-size: 16.5px; text-decoration: none; transition: transform .15s, box-shadow .15s, background .15s; }
.btn-primary { background: var(--green); color: #fff; box-shadow: 0 8px 20px rgba(31,122,87,.28); }
.btn-primary:hover { background: var(--green-dk); transform: translateY(-1px); }
.btn-ghost { color: var(--navy); border: 1.5px solid var(--line); background: #fff; }
.btn-ghost:hover { border-color: var(--navy); }
.btn-light { background: #fff; color: var(--navy); }
.btn-light:hover { transform: translateY(-1px); }

/* Header */
.site-header { position: sticky; top: 0; z-index: 30; background: rgba(255,255,255,.96); backdrop-filter: saturate(1.4) blur(8px); border-bottom: 1px solid var(--line); }
.header-row { display: flex; align-items: center; gap: 28px; height: 70px; }
.brand { display: flex; align-items: center; gap: 10px; font-weight: 800; font-size: 19px; color: var(--navy); text-decoration: none; letter-spacing: -.01em; }
.brand .tld { color: var(--green); font-weight: 700; }
.site-nav { flex: 1; margin-left: 20px; }
.site-nav ul { display: flex; gap: 22px; list-style: none; margin: 0; padding: 0; }
.site-nav a { color: var(--ink); text-decoration: none; font-size: 14.5px; font-weight: 600; padding: 6px 0; border-bottom: 2px solid transparent; white-space: nowrap; }
.site-nav a:hover, .site-nav a[aria-current] { border-bottom-color: var(--green); color: var(--green-dk); }
.header-cta { background: var(--navy); color: #fff; text-decoration: none; font-weight: 700; font-size: 14.5px; padding: 10px 16px; border-radius: 10px; white-space: nowrap; }
.header-cta:hover { background: var(--navy-2); }
.menu-btn { display: none; margin-left: auto; width: 44px; height: 44px; border: 1px solid var(--line); background: #fff; border-radius: 10px; padding: 12px 11px; flex-direction: column; justify-content: space-between; }
.menu-btn span:not(.sr) { display: block; height: 2px; background: var(--navy); border-radius: 2px; }

@media (max-width: 1100px) {
  .site-nav { position: absolute; top: 70px; left: 0; right: 0; background: #fff; border-bottom: 1px solid var(--line); display: none; box-shadow: var(--shadow-lg); }
  .site-nav.open { display: block; }
  .site-nav ul { flex-direction: column; gap: 0; padding: 8px 24px 16px; }
  .site-nav li { border-top: 1px solid var(--line); }
  .site-nav li:first-child { border-top: 0; }
  .site-nav a { display: block; padding: 13px 0; border: 0; font-size: 16px; }
  .menu-btn { display: flex; }
  .header-cta { margin-left: auto; }
  .header-cta + .menu-btn { margin-left: 0; }
}
@media (max-width: 520px) { .header-cta { display: none; } .menu-btn { margin-left: auto; } }

/* Home hero */
.hero { background: linear-gradient(180deg, var(--cream) 0%, #fff 100%); padding: 64px 0 72px; }
.hero-grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: 56px; align-items: center; }
.hero h1 { font-size: clamp(38px, 5.2vw, 60px); line-height: 1.05; margin-bottom: 20px; }
.hero-sub { font-size: 19px; color: var(--muted); max-width: 560px; margin: 0 0 22px; }
.hero-ticks { list-style: none; padding: 0; margin: 0 0 30px; display: flex; flex-wrap: wrap; gap: 10px 22px; font-weight: 600; font-size: 15px; color: var(--ink); }
.hero-ticks li { display: flex; align-items: center; gap: 8px; }
.hero-ticks .ic { width: 20px; height: 20px; padding: 3px; border-radius: 50%; background: var(--green); color: #fff; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; }

.check-card { background: #fff; border: 1px solid var(--line); border-radius: 20px; padding: 28px; box-shadow: var(--shadow-lg); position: relative; }
.check-card::before { content: ''; position: absolute; inset: -14px 18px auto auto; width: 110px; height: 110px; border-radius: 50%; background: var(--mint); z-index: -1; }
.check-head { display: flex; gap: 14px; align-items: center; padding-bottom: 18px; border-bottom: 1px solid var(--line); margin-bottom: 8px; }
.check-badge { width: 48px; height: 48px; border-radius: 12px; background: var(--navy); color: #fff; display: grid; place-items: center; flex: none; }
.check-badge svg { width: 24px; height: 24px; }
.check-kicker { margin: 0; font-size: 12.5px; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; color: var(--green); }
.check-title { margin: 2px 0 0; font-family: var(--serif); font-size: 25px; font-weight: 600; color: var(--ink); line-height: 1.15; }
.check-list { list-style: none; counter-reset: c; padding: 0; margin: 0; }
.check-list li { counter-increment: c; display: grid; grid-template-columns: 32px 1fr; column-gap: 12px; padding: 14px 0; border-bottom: 1px dashed var(--line); }
.check-list li::before { content: counter(c); grid-row: span 2; width: 28px; height: 28px; border-radius: 50%; background: var(--mint); color: var(--green-dk); font-weight: 800; font-size: 14px; display: grid; place-items: center; }
.check-list strong { color: var(--ink); font-size: 16px; }
.check-list span { color: var(--muted); font-size: 14.5px; line-height: 1.5; }
.check-link { display: inline-flex; gap: 6px; align-items: center; margin-top: 16px; font-weight: 800; text-decoration: none; }

/* Source strip */
.source-strip { border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); padding: 26px 0; text-align: center; }
.source-strip p { margin: 0 0 12px; font-size: 14px; font-weight: 600; color: var(--muted); }
.source-strip ul { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; justify-content: center; gap: 10px 34px; }
.source-strip li { font-family: var(--serif); font-size: 19px; font-weight: 600; color: var(--navy); opacity: .85; }

/* Feature cards */
.feature-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; margin-top: 30px; }
.feature-card { display: flex; flex-direction: column; background: var(--card); border: 1px solid var(--line); border-radius: var(--r); overflow: hidden; text-decoration: none; color: var(--body); box-shadow: var(--shadow); transition: transform .18s, box-shadow .18s; }
.feature-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); }
.fc-art { aspect-ratio: 16 / 8; display: grid; place-items: center; position: relative; overflow: hidden; }
.fc-art svg { width: 76px; height: 76px; color: #fff; position: relative; z-index: 1; }
.fc-art::after { content: ''; position: absolute; width: 220px; height: 220px; border-radius: 50%; border: 36px solid rgba(255,255,255,.08); right: -60px; bottom: -110px; }
.fc-advisers .fc-art { background: linear-gradient(135deg, var(--navy) 0%, var(--navy-2) 100%); }
.fc-retirement .fc-art { background: linear-gradient(135deg, #8C5A1E 0%, var(--gold) 100%); }
.fc-insurance .fc-art { background: linear-gradient(135deg, var(--green-dk) 0%, #2E9A6F 100%); }
.fc-body { padding: 20px 22px 22px; display: flex; flex-direction: column; gap: 8px; flex: 1; }
.fc-label { font-size: 12px; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; color: var(--green); }
.fc-body strong { font-family: var(--serif); font-weight: 600; font-size: 23px; line-height: 1.2; color: var(--ink); }
.fc-body > span:not(.fc-label):not(.more) { font-size: 15.5px; color: var(--muted); }
.more { margin-top: auto; padding-top: 8px; font-weight: 800; color: var(--green-dk); font-size: 15px; }

/* Bands */
.band { background: var(--cream); padding: 80px 0; }
.calc-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.calc-card { background: #fff; border: 1px solid var(--line); border-radius: var(--r); padding: 22px; display: flex; flex-direction: column; gap: 6px; }
.calc-ic { width: 44px; height: 44px; border-radius: 12px; background: var(--mint); color: var(--green-dk); display: grid; place-items: center; margin-bottom: 8px; }
.calc-ic svg { width: 24px; height: 24px; }
.calc-card strong { color: var(--ink); font-size: 17px; }
.calc-card span { color: var(--muted); font-size: 15px; line-height: 1.5; }
.calc-card em { margin-top: auto; padding-top: 10px; font-style: normal; font-size: 12.5px; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; color: var(--gold); }

.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin: 30px 0 26px; }
.step { display: flex; gap: 16px; background: #FBFAF6; border: 1px solid var(--line); border-radius: var(--r); padding: 24px; }
.step .num { flex: none; width: 38px; height: 38px; border-radius: 50%; background: var(--navy); color: #fff; font-weight: 800; display: grid; place-items: center; }
.step strong { color: var(--ink); font-size: 18px; display: block; margin-bottom: 6px; }
.step p { margin: 0; color: var(--muted); font-size: 15.5px; }

.topic-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; margin-top: 28px; }
.topic-card { display: flex; gap: 14px; align-items: flex-start; background: #fff; border: 1px solid var(--line); border-radius: var(--r); padding: 20px; text-decoration: none; color: var(--body); transition: border-color .15s, transform .15s, box-shadow .15s; }
.topic-card:hover { border-color: var(--green); transform: translateY(-2px); box-shadow: var(--shadow); }
.topic-ic { flex: none; width: 44px; height: 44px; border-radius: 12px; background: var(--navy); color: #fff; display: grid; place-items: center; }
.topic-ic .ic { width: 22px; height: 22px; }
.topic-txt { display: flex; flex-direction: column; gap: 3px; }
.topic-txt strong { color: var(--ink); font-size: 16.5px; }
.topic-txt span { color: var(--muted); font-size: 14.5px; line-height: 1.45; }

/* FAQ */
.faq { display: flex; flex-direction: column; gap: 10px; margin-top: 26px; }
.faq details { background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 0 20px; }
.faq summary { cursor: pointer; list-style: none; padding: 18px 34px 18px 0; font-weight: 700; color: var(--ink); position: relative; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: '+'; position: absolute; right: 0; top: 12px; font-size: 26px; color: var(--green); }
.faq details[open] summary::after { content: '\2212'; }
.faq details p { margin: 0 0 18px; color: var(--muted); }

/* CTA band */
.cta-band { background: var(--navy); background-image: radial-gradient(circle at 85% 20%, rgba(46,154,111,.35), transparent 45%); color: #fff; padding: 64px 0; }
.cta-inner { display: flex; align-items: center; justify-content: space-between; gap: 32px; }
.cta-band h2 { color: #fff; font-size: clamp(28px, 3.2vw, 38px); margin-bottom: 8px; }
.cta-band p { margin: 0; color: rgba(255,255,255,.8); }

/* Inner pages */
.page-hero { background: linear-gradient(180deg, var(--cream) 0%, #fff 100%); padding: 24px 0 40px; border-bottom: 1px solid var(--line); }
.page-hero h1 { font-size: clamp(34px, 4.4vw, 52px); max-width: 820px; margin-bottom: 14px; }
.page-hero .lede { font-size: 19px; color: var(--muted); max-width: 720px; margin: 0; }
.hero-kicker { display: flex; align-items: center; gap: 12px; margin-bottom: 14px; }
.hero-kicker .eyebrow { margin: 0; }
.hero-ic { width: 40px; height: 40px; border-radius: 11px; background: var(--navy); color: #fff; display: grid; place-items: center; flex: none; }
.hero-ic .ic { width: 22px; height: 22px; }
.crumbs { font-size: 14px; color: var(--muted); margin-bottom: 14px; }
.crumbs a { color: var(--muted); }

.hub-layout { display: grid; grid-template-columns: 1fr 320px; gap: 56px; padding-top: 52px; padding-bottom: 64px; }
.aside-card { position: sticky; top: 94px; background: #FBFAF6; border: 1px solid var(--line); border-radius: var(--r); padding: 24px; }
.aside-card h2 { font-size: 18px; margin-bottom: 12px; }
.ticks { list-style: none; padding: 0; margin: 0 0 16px; }
.ticks li { display: flex; gap: 10px; font-size: 15px; color: var(--body); padding: 6px 0; line-height: 1.45; }
.ticks .ic { color: var(--green); width: 18px; height: 18px; margin-top: 3px; }

.prose { font-size: 18.5px; }
.prose p { margin: 0 0 1.15em; }
.prose h2 { font-family: var(--serif); font-weight: 600; font-size: 30px; margin: 1.6em 0 .5em; }
.prose h3 { font-size: 20px; margin: 1.4em 0 .4em; }
.prose ul, .prose ol { padding-left: 1.3em; }
.prose li { margin: .3em 0; }
.prose table { width: 100%; border-collapse: collapse; margin: 1.4em 0; font-size: 16px; display: block; overflow-x: auto; }
.prose th, .prose td { border: 1px solid var(--line); padding: .6em .8em; text-align: left; vertical-align: top; }
.prose th { background: var(--cream); color: var(--ink); }
.narrow > .prose { padding: 48px 0 64px; }
.kind-page .narrow > .prose h2:first-child { margin-top: 0; }

.article-list { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; }
.article-list li { background: #fff; border: 1px solid var(--line); border-radius: var(--r); padding: 20px; }
.article-list a { font-weight: 700; font-size: 17px; text-decoration: none; color: var(--ink); }
.article-list p { margin: 6px 0 0; color: var(--muted); font-size: 15px; }
.empty-state { background: #fff; border: 1px dashed var(--line); border-radius: var(--r); padding: 28px; color: var(--muted); }

.byline { font-size: 14.5px; color: var(--muted); margin: 28px 0 0; }
.disclosure { background: #FFF8E8; border-left: 4px solid var(--gold); padding: 12px 16px; font-size: 15px; border-radius: 6px; }
.takeaways { background: var(--mint); border-radius: var(--r); padding: 6px 24px 14px; margin: 24px 0; }
.takeaways h2 { font-size: 18px; margin: 16px 0 6px; }
.sources ol { font-size: 15px; }
.consult { font-size: 15px; color: var(--muted); border-top: 1px solid var(--line); padding-top: 1em; margin: 2em 0 3em; }
.draft-note { background: #FFF8E8; border: 1px dashed var(--gold); padding: 12px 16px; border-radius: 8px; font-size: 15px; }
.optout { font: inherit; font-weight: 700; background: var(--navy); color: #fff; border: 0; border-radius: 10px; padding: 12px 18px; cursor: pointer; }
.muted { color: var(--muted); }

/* Footer */
.site-footer { background: var(--navy-dk); color: rgba(255,255,255,.72); padding: 64px 0 28px; font-size: 15px; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1.2fr; gap: 40px; }
.brand-light { color: #fff; }
.brand-light .tld { color: #5FD1A1; }
.footer-brand p { margin: 14px 0 0; max-width: 320px; }
.site-footer h2 { color: #fff; font-size: 13px; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; margin: 6px 0 14px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin: 0 0 9px; }
.site-footer a { color: rgba(255,255,255,.85); text-decoration: none; }
.site-footer a:hover { color: #fff; text-decoration: underline; }
.footer-legal { border-top: 1px solid rgba(255,255,255,.12); margin-top: 44px; padding-top: 24px; font-size: 13.5px; line-height: 1.6; }
.footer-legal p { margin: 0 0 10px; max-width: 900px; }

/* Responsive */
@media (max-width: 960px) {
  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .feature-grid { grid-template-columns: 1fr; }
  .calc-grid, .topic-grid { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: 1fr; }
  .hub-layout { grid-template-columns: 1fr; gap: 32px; }
  .aside-card { position: static; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .cta-inner { flex-direction: column; align-items: flex-start; }
}
@media (max-width: 600px) {
  body { font-size: 17px; }
  .wrap { padding: 0 16px; }
  .section { padding: 56px 16px; }
  .band { padding: 56px 0; }
  .hero { padding: 40px 0 52px; }
  .calc-grid, .topic-grid, .article-list { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 28px; }
  .check-card { padding: 22px; }
  .btn { width: 100%; justify-content: center; }
}

/* Photography */
.hero-photo { margin: 0; position: relative; }
.hero-photo img { display: block; width: 100%; aspect-ratio: 4 / 3.3; object-fit: cover; border-radius: 22px; box-shadow: var(--shadow-lg); }
.hero-photo::before { content: ''; position: absolute; left: -18px; bottom: -18px; width: 140px; height: 140px; border-radius: 22px; background: var(--mint); z-index: -1; }
.fc-img { display: block; aspect-ratio: 16 / 9; overflow: hidden; background: var(--tan); }
.fc-img img { width: 100%; height: 100%; object-fit: cover; display: block; transition: transform .4s; }
.feature-card:hover .fc-img img { transform: scale(1.04); }
.check-section { padding-top: 72px; padding-bottom: 24px; }
.check-grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: 56px; align-items: center; }
.check-grid .check-card::before { display: none; }
.hidden-link { display: none; }
@media (max-width: 960px) { .check-grid { grid-template-columns: 1fr; gap: 32px; } .hero-photo::before { display: none; } }

/* Photo page headers (RestAssured-style: text left, rounded photo right) */
.page-hero.has-photo { padding: 28px 0 56px; }
.page-hero-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: 56px; align-items: center; }
.page-hero.has-photo h1 { font-size: clamp(32px, 3.8vw, 48px); }
.page-hero .hero-photo, .hero .hero-photo { display: block; }
.page-hero .hero-photo img { display: block; width: 100%; aspect-ratio: 4 / 3; object-fit: cover; border-radius: 16px; box-shadow: var(--shadow-lg); }
.hero-photo img { border-radius: 16px !important; }
.article-photo img { display: block; width: 100%; border-radius: 16px; }
@media (max-width: 960px) { .page-hero-grid { grid-template-columns: 1fr; gap: 28px; } }

/* ===== Article layout (mirrors restassuredbenefits.com) ===== */
.art { padding-top: 28px; }
.art .narrow { max-width: 760px; margin: 0 auto; }
.art .crumbs { font-size: 14px; color: var(--muted); margin-bottom: 14px; }
.kicker { margin: 0 0 6px; font-size: 13px; font-weight: 800; letter-spacing: .09em; text-transform: uppercase; color: var(--green); }
.art-h1 { margin: 0; font-family: var(--serif); font-weight: 600; font-size: clamp(32px, 5.6vw, 48px); line-height: 1.08; letter-spacing: -.015em; }
.art-dek { margin: 12px 0 0; font-size: clamp(18px, 2.4vw, 21px); color: var(--body); line-height: 1.5; }
.art .byline { display: flex; gap: 12px; align-items: center; margin: 20px 0 0; padding: 14px 0; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); font-size: inherit; color: inherit; }
.art .byline img { width: 48px; height: 48px; border-radius: 99px; object-fit: cover; flex: none; }
.art .byline p { margin: 0; font-size: 14px; line-height: 1.4; }
.by-name { font-weight: 800; color: var(--ink); }
.by-role, .by-date { color: var(--muted); }
.by-date a { color: var(--green-dk); }
.art .disclosure { margin-top: 16px; }
.art-hero { margin-top: 24px; }
.art-img { display: block; max-width: 1080px; margin: 0 auto; }
.art-img img { display: block; width: 100%; aspect-ratio: 21 / 9; object-fit: cover; border-radius: 16px; }
@media (max-width: 640px) { .art-img img { aspect-ratio: 4 / 3; } }

.art-body { padding-top: 26px; padding-bottom: 20px; }
.art-body p, .art-body li { color: var(--body); font-size: 18px; line-height: 1.7; }
.art-body h2 { margin: 44px 0 14px; font-family: var(--serif); font-weight: 600; font-size: clamp(27px, 4.4vw, 38px); line-height: 1.12; letter-spacing: -.01em; }
.art-body h3 { margin: 26px 0 8px; font-size: 20px; }
.art-body strong { color: var(--ink); }
.art-body > p:first-of-type strong:first-child { color: var(--green); }
.art-body ul, .art-body ol { padding-left: 24px; }
.art-body li { margin: 6px 0; }
.art-body a { color: var(--green-dk); }

.art .takeaways { background: var(--mint); border-radius: 16px; padding: 18px 24px 10px; margin: 0 0 28px; }
.tk-h { margin: 0 0 4px; font-weight: 800; font-size: 13px !important; letter-spacing: .09em; text-transform: uppercase; color: var(--green-dk) !important; }
.art .takeaways ul { margin: 0; }
.toc { margin: 28px 0 8px; padding: 18px 22px; border: 1px solid var(--line); border-radius: 16px; background: #FBFAF6; }
.toc-h { margin: 0 0 6px !important; font-weight: 800; color: var(--ink) !important; font-size: 16px !important; }
.toc ol { margin: 0; }
.toc li { margin: 4px 0; font-size: 16.5px !important; }

.callbox { margin: 34px 0; padding: 24px; border-radius: 16px; background: var(--mint); display: flex; flex-direction: column; align-items: flex-start; gap: 10px; }
.callbox p { margin: 0; font-size: 16px !important; }
.callbox .cb-h { font-family: var(--serif); font-size: 25px !important; font-weight: 600; color: var(--ink) !important; line-height: 1.2; }
.callbox .btn { width: auto; }
.callbox.big { background: var(--navy); align-items: center; text-align: center; padding: 34px 24px; }
.callbox.big p { color: rgba(255,255,255,.82) !important; }
.callbox.big .cb-h { color: #fff !important; font-size: 30px !important; }

.art-faq { margin-top: 44px; }
.art-faq h2 { margin-top: 0; }
.art-faq .faq { margin-top: 18px; }
.art-faq .faq details p { font-size: 16.5px; }
.sources { margin-top: 36px; padding-top: 18px; border-top: 1px solid var(--line); }
.sources h2 { font-size: 22px !important; margin-top: 0 !important; font-family: var(--sans) !important; }
.sources li, .sources .note { font-size: 15px !important; }
.sources .note { color: var(--muted) !important; margin-top: 12px; }

.related { background: var(--cream); padding: 44px 0 40px; margin-top: 36px; }
.related h2 { font-family: var(--serif); font-weight: 600; font-size: 30px; margin: 0 0 18px; }

/* Article cards (Keep reading, hub guide lists) */
.card-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.card { display: flex; flex-direction: column; background: #fff; border: 1px solid var(--line); border-radius: 16px; overflow: hidden; text-decoration: none; color: var(--body); transition: transform .18s, box-shadow .18s; }
.card:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); }
.card-img { display: block; aspect-ratio: 16 / 9; overflow: hidden; background: var(--tan); }
.card-img img { width: 100%; height: 100%; object-fit: cover; display: block; }
.card-body { padding: 16px 18px 18px; display: flex; flex-direction: column; gap: 6px; flex: 1; }
.card-label { font-size: 12px; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; color: var(--green); }
.card strong { font-size: 19px; line-height: 1.25; color: var(--ink); }
.card-text { font-size: 15px; color: var(--muted); }
.card .more { margin-top: auto; padding-top: 6px; }
@media (max-width: 900px) { .card-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 600px) { .card-grid { grid-template-columns: 1fr; } .callbox .btn { width: 100%; } }
.art-body a.btn-primary { color: #fff; text-decoration: none; }
.art-body a.btn-light { color: var(--navy); text-decoration: none; }

/* ---------- Calculators ---------- */
.calc-hero { padding-bottom: 8px; }
.calc-band { padding: 8px 0 40px; }
.calc { display: grid; grid-template-columns: minmax(280px, 380px) 1fr; gap: 28px; background: var(--cream); border: 1px solid var(--line); border-radius: 16px; padding: 28px; }
.calc-fields { display: grid; gap: 16px; }
.calc-fields label { display: block; position: relative; font-size: 14.5px; font-weight: 700; color: var(--ink); }
.calc-fields input, .calc-fields select { display: block; width: 100%; margin-top: 6px; height: 46px; padding: 0 12px; border: 1px solid #CFC7B6; border-radius: 10px; background: #fff; font: 600 17px var(--sans); color: var(--ink); }
.calc-fields input:focus, .calc-fields select:focus { outline: 3px solid rgba(31,122,87,.25); border-color: var(--green); }
.calc-fields .pre, .calc-fields .suf { position: absolute; bottom: 0; height: 46px; line-height: 46px; color: var(--muted); font-weight: 600; pointer-events: none; }
.calc-fields .pre { left: 12px; }
.calc-fields .suf { right: 12px; }
.calc-fields .pre + input { padding-left: 26px; }
.calc-fields .suf + input { padding-right: 34px; }
.calc-hint { font-size: 13.5px; color: var(--muted); margin: -6px 0 0; font-weight: 400; }
.calc-results { background: #fff; border: 1px solid var(--line); border-radius: 14px; padding: 24px; min-width: 0; }
.calc-big span { display: block; font-size: 13px; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; color: var(--muted); }
.calc-big strong { display: block; font: 600 46px/1.1 var(--serif); color: var(--navy); margin: 4px 0 16px; }
.calc-stats { display: grid; grid-template-columns: repeat(auto-fit, minmax(150px, 1fr)); gap: 12px; margin-bottom: 18px; }
.calc-stats div { background: var(--cream); border-radius: 10px; padding: 12px 14px; }
.calc-stats span { display: block; font-size: 13.5px; color: var(--muted); line-height: 1.35; }
.calc-stats strong { display: block; font-size: 20px; color: var(--ink); margin-top: 4px; }
.calc-warn { background: #FFF6E0; border: 1px solid #EBD39A; color: #6B4E12; border-radius: 10px; padding: 12px 14px; font-size: 15px; margin: 0 0 16px; }
.calc-table { width: 100%; border-collapse: collapse; font-size: 15px; font-variant-numeric: tabular-nums; }
.calc-table th { text-align: left; font-size: 12.5px; letter-spacing: .06em; text-transform: uppercase; color: var(--muted); border-bottom: 2px solid var(--line); padding: 8px 6px; }
.calc-table td { border-bottom: 1px solid var(--line); padding: 8px 6px; }
.calc-table tr.hl td { background: var(--mint); font-weight: 700; }
.calc-note { font-size: 13.5px; color: var(--muted); margin: 14px 0 0; line-height: 1.5; }
@media (max-width: 820px) {
  .calc { grid-template-columns: 1fr; padding: 18px; }
  .calc-results { padding: 18px; overflow-x: auto; }
  .calc-big strong { font-size: 36px; }
}
.calc-big > span span { display: inline; }
a.calc-card, a.calc-card:hover { text-decoration: none; color: inherit; transition: box-shadow .15s, transform .15s; }
a.calc-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-2px); }
a.calc-card:hover strong { color: var(--green-dk); }
.calc-band + .art-body { padding-top: 8px; }
.empty-state p { margin: 0 0 10px; }
.empty-state strong { color: var(--ink); }
.empty-state ul { margin: 0; padding-left: 20px; }
.empty-state li { margin: 6px 0; }

.callbox .cb-disc { font-size: 12.5px; line-height: 1.5; opacity: .8; margin: 12px 0 0; }
.callbox .cb-hours { font-size: 13.5px; margin: 8px 0 0; opacity: .85; }