*{margin:0;padding:0;box-sizing:border-box}
:root{--navy:#024D7D;--navy-dark:#01304e;--blue:#0367A6;--blue-pale:#e8f1f9;--green:#22c55e;--green-dark:#15803d;--green-soft:#dcfce7;--amber:#f59e0b;--ink:#0b1220;--body:#374151;--mute:#6b7280;--line:#e5e7eb;--bg:#fafbfc}
html{scroll-behavior:smooth}
[id]{scroll-margin-top:80px}
html,body{font-family:'Inter',system-ui,-apple-system,sans-serif;color:var(--body);background:#fff;-webkit-font-smoothing:antialiased;line-height:1.6}
a{color:inherit;text-decoration:none}
.container{max-width:1120px;margin:0 auto;padding:0 24px}
.nav{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.nav-inner{height:66px;display:flex;align-items:center;justify-content:space-between;gap:18px}
.logo{display:flex;align-items:center;gap:10px;font-weight:800;color:var(--ink);font-size:14px}
.logo img{height:38px;width:auto}
.nav-links{display:flex;align-items:center;gap:18px;font-size:13px;font-weight:700;color:var(--body)}
.nav-links a:hover{color:var(--blue)}
.nav-cta{display:inline-flex;align-items:center;justify-content:center;background:var(--green);color:#fff;font-size:13px;font-weight:800;padding:10px 18px;border-radius:999px;box-shadow:0 4px 14px rgba(34,197,94,.22)}
.hero{background:linear-gradient(145deg,var(--navy) 0%,var(--navy-dark) 100%);color:#fff;padding:72px 0 76px}
.breadcrumb-bar{background:#fff;border-bottom:1px solid var(--line)}
.breadcrumb{display:flex;flex-wrap:wrap;align-items:center;gap:8px;min-height:44px;font-size:13px;color:var(--mute);font-weight:600}
.breadcrumb a{color:var(--blue)}
.breadcrumb span{color:var(--mute)}
.eyebrow{display:inline-flex;background:rgba(255,255,255,.12);color:rgba(255,255,255,.88);font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.12em;padding:6px 12px;border-radius:999px;margin-bottom:18px}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.1fr) 360px;gap:46px;align-items:center}
.hero h1{font-size:48px;line-height:1.05;letter-spacing:-.035em;color:#fff;margin-bottom:18px;font-weight:900;text-wrap:balance}
.hero p{font-size:18px;color:rgba(255,255,255,.78);max-width:720px}
.hero-card{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.18);border-radius:18px;padding:24px}
.hero-card h2{font-size:18px;color:#fff;margin-bottom:12px}
.hero-card ul{list-style:none;display:flex;flex-direction:column;gap:10px}
.hero-card li{font-size:14px;color:rgba(255,255,255,.82);display:flex;gap:8px}
.hero-card li:before{content:"✓";color:#86efac;font-weight:900}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:0 24px;border-radius:999px;font-weight:800;font-size:14px}
.btn-primary{background:var(--green);color:#fff}
.btn-secondary{background:#fff;color:var(--navy)}
.section{padding:70px 0}
.section.alt{background:var(--bg);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.section-head{max-width:780px;margin-bottom:34px}
.section-tag{font-size:11px;font-weight:900;color:var(--blue);text-transform:uppercase;letter-spacing:.12em;margin-bottom:8px}
h2{font-size:34px;line-height:1.15;letter-spacing:-.025em;color:var(--ink);margin-bottom:12px}
h3{font-size:20px;line-height:1.25;color:var(--ink);margin-bottom:8px}
p{margin-bottom:16px}
.lead{font-size:18px;color:var(--body)}
.grid{display:grid;gap:18px}
.grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}
.grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}
.card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:24px}
.card.soft{background:var(--bg)}
.metric{font-size:32px;line-height:1;font-weight:900;color:var(--navy);letter-spacing:-.03em;margin-bottom:8px}
.list{display:flex;flex-direction:column;gap:12px;list-style:none}
.list li{display:flex;gap:10px;align-items:flex-start}
.list li:before{content:"";width:8px;height:8px;border-radius:50%;background:var(--green);margin-top:9px;flex-shrink:0}
.article{max-width:740px}
.article p,.article li{font-size:17px;line-height:1.8}
.article h2{margin-top:44px;font-size:26px}
.article h3{font-size:19px;margin-top:28px}
.article ul,.article ol{margin:0 0 18px 24px}
.article li{margin-bottom:8px}
.compare{overflow:auto;border:1px solid var(--line);border-radius:14px;background:#fff}
table{width:100%;border-collapse:collapse;min-width:720px}
th,td{padding:14px 16px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top;font-size:14px}
th{background:var(--bg);color:var(--ink);font-weight:800}
tr:last-child td{border-bottom:none}
.cta{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-dark) 100%);color:#fff;padding:58px 0;text-align:center}
.cta h2{color:#fff}
.cta p{color:rgba(255,255,255,.78);max-width:620px;margin:0 auto 24px}
.faq{max-width:860px}
.faq-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}
.faq-item{border-bottom:1px solid var(--line);padding:20px 0}
.faq-item h3{font-size:17px}
.faq-card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px}
.faq-card h3{font-size:17px;margin-bottom:8px}
.faq-card p{font-size:15px;margin-bottom:0;color:var(--body)}
.related-links{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.related-link{display:block;background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px;transition:border-color .18s ease,transform .18s ease}
.related-link:hover{border-color:var(--blue);transform:translateY(-1px)}
.related-link span{display:block;font-size:10px;font-weight:900;text-transform:uppercase;letter-spacing:.1em;color:var(--blue);margin-bottom:6px}
.related-link strong{display:block;color:var(--ink);line-height:1.25;margin-bottom:6px}
.related-link p{font-size:14px;margin-bottom:0;color:var(--mute)}
.disclaimer{background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px;color:var(--mute);font-size:14px}
.disclaimer strong{color:var(--ink)}
.checklist{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;list-style:none;margin:0}
.checklist li{background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 16px;font-size:14px;color:var(--body)}
.calc{background:#fff;border:1px solid var(--line);border-radius:16px;padding:24px}
.calc-row{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:16px}
.calc label{font-size:13px;font-weight:800;color:var(--ink);display:block;margin-bottom:6px}
.calc input{width:100%;height:48px;border:1px solid var(--line);border-radius:10px;padding:0 14px;font-size:16px}
.result{background:var(--blue-pale);border:1px solid #cfe4f5;border-radius:14px;padding:20px;margin-top:16px}
.result strong{display:block;font-size:28px;color:var(--navy);letter-spacing:-.03em}
footer{background:var(--ink);color:rgba(255,255,255,.62);padding:34px 0;text-align:center;font-size:12px}
footer a{color:rgba(255,255,255,.86);margin:0 8px}
/* ── Full nav menu + mobile hamburger ── */
.nav-right{display:flex;align-items:center;gap:14px}
.nav-phone{font-size:13px;font-weight:700;color:var(--mute);white-space:nowrap}
.nav-phone:hover{color:var(--navy)}
.nav-toggle{display:none;flex-direction:column;justify-content:center;gap:4px;width:40px;height:40px;background:none;border:1px solid var(--line);border-radius:8px;cursor:pointer;padding:9px}
.nav-toggle span{display:block;height:2px;background:var(--ink);border-radius:2px;transition:all .2s}
.nav-toggle[aria-expanded="true"] span:nth-child(1){transform:translateY(6px) rotate(45deg)}
.nav-toggle[aria-expanded="true"] span:nth-child(2){opacity:0}
.nav-toggle[aria-expanded="true"] span:nth-child(3){transform:translateY(-6px) rotate(-45deg)}
@media(max-width:960px){
.nav-links{display:none;position:absolute;top:66px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;gap:0;padding:8px 0;box-shadow:0 12px 24px rgba(11,18,32,.08)}
.nav-links.open{display:flex}
.nav-links a{padding:13px 24px;font-size:15px;border-bottom:1px solid var(--line)}
.nav-links a:last-child{border-bottom:none}
.nav-toggle{display:flex}
.nav-phone{display:none}
.nav{position:sticky}
}
@media(max-width:860px){.hero-grid,.grid-2,.grid-3,.faq-grid,.related-links,.checklist{grid-template-columns:1fr}.hero h1{font-size:30px;line-height:1.12}.hero p{font-size:16px}.hero{padding:44px 0 48px}.hero-actions .btn{width:100%}.section{padding:48px 0}.calc-row{grid-template-columns:1fr}h2{font-size:26px}.article p,.article li{font-size:16px}.container{padding:0 20px}.breadcrumb{font-size:12px}}

/* ── On-this-page TOC chips ── */
.toc-bar{background:var(--bg);border-bottom:1px solid var(--line);padding:14px 0}
.toc-bar .container{display:flex;align-items:center;gap:12px;flex-wrap:wrap}
.toc-label{font-size:11px;font-weight:900;text-transform:uppercase;letter-spacing:.1em;color:var(--mute);flex-shrink:0}
.toc-chips{display:flex;flex-wrap:wrap;gap:8px}
.toc-chips a{font-size:12.5px;font-weight:700;color:var(--navy);background:var(--blue-pale);padding:7px 14px;border-radius:999px;text-decoration:none;transition:background .15s}
.toc-chips a:hover{background:#d3e6f6}
@media(max-width:860px){.toc-bar{overflow-x:auto}.toc-bar .container{flex-wrap:nowrap}.toc-chips{flex-wrap:nowrap}.toc-chips a{white-space:nowrap}}

/* ── Page photos ── */
.page-photo{margin:0;padding:34px 0 0}
.page-photo img{width:100%;height:auto;display:block;border-radius:16px;border:1px solid var(--line)}
.page-photo figcaption{font-size:13px;color:var(--mute);margin-top:10px;text-align:center}

/* Calc inside navy hero: keep result text dark */
.hero .calc p,.hero .result p{color:var(--body)}
.hero .calc label{color:var(--ink)}