/**
 * OverpayCalc — Global Design System
 * Green + Gold banking aesthetic
 */

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;max-width:100%;overflow-x:hidden}
body{font-family:'Source Sans 3',system-ui,-apple-system,sans-serif;background:var(--bg);color:#F1F5F0;line-height:1.6;overflow-x:hidden;min-height:100vh;display:flex;flex-direction:column}
h1,h2,h3,.display{font-family:'Playfair Display',system-ui,-apple-system,serif}
img,video,canvas,svg{max-width:100%;height:auto}
*{word-wrap:break-word;overflow-wrap:break-word}
main{flex:1}

:root{
  --bg:#0D3B2E;--bg2:#0A2E23;--bg3:#1A5C46;
  --accent:#D4A843;--accent2:#C4963B;
  --accent-rgb:212,168,67;
  --cream:#FDF8F0;--white:#F1F5F0;--gray:#B0CCC3;
  --green:#22C55E;--red:#EF4444;--amber:#F59E0B;
  --card:rgba(253,248,240,.06);--glass:rgba(255,255,255,.07);
  --radius:16px;--radius-sm:10px;--shadow:0 8px 32px rgba(0,0,0,.4);
}

.container{max-width:1100px;margin:0 auto;padding:0 20px;width:100%}

.sticky-header{position:sticky;top:0;z-index:100;background:rgba(13,59,46,.92);backdrop-filter:blur(20px);-webkit-backdrop-filter:blur(20px);border-bottom:1px solid rgba(255,255,255,.06);padding:14px 0;transition:box-shadow .3s}
.sticky-header.scrolled{box-shadow:0 4px 30px rgba(0,0,0,.5)}
.header-inner{display:flex;align-items:center;justify-content:space-between;max-width:1100px;margin:0 auto;padding:0 20px;gap:12px}
.logo{font-family:'Playfair Display',system-ui,-apple-system,serif;font-size:1.1rem;color:var(--accent);text-decoration:none;font-weight:700;white-space:nowrap}
.header-right{display:flex;align-items:center;gap:12px}
.header-cta{background:var(--accent);color:var(--bg);padding:10px 24px;border-radius:50px;font-weight:700;font-size:.85rem;text-decoration:none;border:none;cursor:pointer;transition:all .3s;white-space:nowrap;flex-shrink:0}
.header-cta:hover{background:var(--accent2);transform:translateY(-1px)}
.header-guides-link{color:var(--gray);text-decoration:none;font-weight:600;font-size:.88rem;padding:8px 16px;border-radius:50px;transition:all .2s;border:1px solid transparent;white-space:nowrap}
.header-guides-link:hover{color:var(--accent);border-color:rgba(var(--accent-rgb,99,102,241),.3);background:rgba(var(--accent-rgb,99,102,241),.06)}

.nav-toggle{background:none;border:1.5px solid rgba(255,255,255,.15);border-radius:8px;width:40px;height:40px;cursor:pointer;display:flex;align-items:center;justify-content:center;transition:all .2s;padding:0;flex-shrink:0}
.nav-toggle:hover{border-color:var(--accent)}
.hamburger{display:block;width:18px;height:2px;background:#F1F5F0;border-radius:1px;position:relative;transition:all .3s}
.hamburger::before,.hamburger::after{content:'';position:absolute;left:0;width:18px;height:2px;background:#F1F5F0;border-radius:1px;transition:all .3s}
.hamburger::before{top:-6px}.hamburger::after{top:6px}
.nav-toggle.open .hamburger{background:transparent}
.nav-toggle.open .hamburger::before{top:0;transform:rotate(45deg);background:var(--accent)}
.nav-toggle.open .hamburger::after{top:0;transform:rotate(-45deg);background:var(--accent)}

.tool-nav{position:fixed;top:0;right:-360px;width:340px;max-width:85vw;height:100vh;background:rgba(10,46,35,.98);backdrop-filter:blur(30px);-webkit-backdrop-filter:blur(30px);border-left:1px solid rgba(255,255,255,.08);z-index:200;transition:right .35s cubic-bezier(.4,0,.2,1);overflow-y:auto;box-shadow:-8px 0 40px rgba(0,0,0,.5)}
.tool-nav.open{right:0}
.tool-nav-inner{padding:20px}
.nav-header{display:flex;align-items:center;justify-content:space-between;padding-bottom:16px;border-bottom:1px solid rgba(255,255,255,.08);margin-bottom:16px}
.nav-title{font-family:'Playfair Display',system-ui,-apple-system,serif;font-size:1rem;color:var(--accent)}
.nav-close{background:none;border:none;color:var(--gray);font-size:1.8rem;cursor:pointer;padding:0 4px;transition:color .2s;line-height:1}
.nav-close:hover{color:var(--accent)}
.nav-group{margin-bottom:20px}
.nav-group-label{font-size:.7rem;text-transform:uppercase;letter-spacing:1px;color:var(--gray);margin-bottom:8px;padding-left:4px;font-weight:700}
.nav-tool-item{display:flex;align-items:center;gap:12px;padding:10px 12px;border-radius:10px;text-decoration:none;color:#F1F5F0;transition:all .2s;margin-bottom:2px}
.nav-tool-item:hover{background:rgba(212,168,67,.06)}
.nav-tool-item.active{background:rgba(212,168,67,.1);border:1px solid rgba(212,168,67,.2)}
.nav-tool-icon{font-size:1.2rem;flex-shrink:0;width:28px;text-align:center}
.nav-tool-info{display:flex;flex-direction:column;min-width:0}
.nav-tool-name{font-weight:600;font-size:.88rem;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.nav-tool-desc{font-size:.72rem;color:var(--gray);white-space:nowrap;overflow:hidden;text-overflow:ellipsis}

.breadcrumb{padding:16px 0 8px;font-size:.82rem;color:var(--gray)}
.breadcrumb a{color:var(--gray);text-decoration:none;transition:color .2s}
.breadcrumb a:hover{color:var(--accent)}

.page-hero{padding:48px 0 24px;text-align:center;position:relative;overflow:hidden}
.page-hero::before{content:'';position:absolute;top:-200px;left:50%;transform:translateX(-50%);width:800px;height:800px;background:radial-gradient(circle,rgba(var(--accent-rgb),.06) 0%,transparent 70%);pointer-events:none}
.page-hero h1{font-size:clamp(1.5rem,4vw,2.4rem);line-height:1.2;max-width:800px;margin:0 auto 12px}
.page-hero h1 span{color:var(--accent)}
.page-hero .sub{color:var(--gray);font-size:1rem;max-width:600px;margin:0 auto}

.tool-section{padding:24px 0 40px}
.tool-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.tool-panel{background:linear-gradient(145deg,rgba(10,46,35,.9),rgba(13,59,46,.95));border:1px solid rgba(255,255,255,.08);border-radius:20px;padding:28px;box-shadow:var(--shadow)}
.panel-title{font-family:'Playfair Display',system-ui,-apple-system,serif;font-size:1.1rem;margin-bottom:20px;color:var(--accent);display:flex;align-items:center;gap:8px}

.field{margin-bottom:16px;width:100%}
.field label{display:block;font-weight:700;font-size:.8rem;margin-bottom:5px;color:var(--gray);text-transform:uppercase;letter-spacing:.5px}
.field input,.field select{width:100%;background:var(--bg);border:1.5px solid rgba(255,255,255,.1);color:#F1F5F0;padding:11px 14px;border-radius:var(--radius-sm);font-family:'Source Sans 3',system-ui,-apple-system,sans-serif;font-size:.95rem;outline:none;transition:border-color .3s}
.field input:focus,.field select:focus{border-color:var(--accent)}
.field input.field-invalid{border-color:var(--red)}
.field-error{display:block;color:var(--red);font-size:.75rem;margin-top:4px}
.field select{cursor:pointer;appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' fill='%238BA89E' viewBox='0 0 16 16'%3E%3Cpath d='M8 11L3 6h10z'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center}
.field textarea{width:100%;background:var(--bg);border:1.5px solid rgba(255,255,255,.1);color:#F1F5F0;padding:11px 14px;border-radius:var(--radius-sm);font-family:'Source Sans 3',system-ui,-apple-system,sans-serif;font-size:.95rem;outline:none;transition:border-color .3s;resize:vertical;min-height:80px}
.field textarea:focus{border-color:var(--accent)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.row3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:12px}

.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:12px 28px;border-radius:50px;font-weight:700;font-size:.9rem;cursor:pointer;font-family:'Source Sans 3',system-ui,-apple-system,sans-serif;border:none;transition:all .3s;text-decoration:none}
.btn-primary{background:var(--accent);color:var(--bg)}
.btn-primary:hover{background:var(--accent2);transform:translateY(-1px)}
.btn-outline{background:transparent;color:#F1F5F0;border:1.5px solid rgba(255,255,255,.15)}
.btn-outline:hover{border-color:var(--accent);color:var(--accent)}
.action-bar{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:24px}
.action-btn{display:flex;align-items:center;justify-content:center;gap:8px;background:var(--bg);border:1.5px solid rgba(255,255,255,.1);color:#F1F5F0;padding:12px 20px;border-radius:50px;font-size:.85rem;font-weight:600;cursor:pointer;transition:all .2s;font-family:'Source Sans 3',system-ui,-apple-system,sans-serif;text-decoration:none;flex:1 1 auto;min-width:120px;white-space:nowrap}
.action-btn:hover{border-color:var(--accent);color:var(--accent)}
.action-btn.primary{background:var(--accent);color:var(--bg);border-color:var(--accent)}

.result-card{background:linear-gradient(135deg,rgba(212,168,67,.08),rgba(26,92,70,.3));border:2px solid rgba(212,168,67,.2);border-radius:20px;padding:28px;margin-bottom:24px}
.result-card h3{font-size:1.05rem;margin-bottom:12px;color:var(--accent);display:flex;align-items:center;gap:8px}
.result-row{display:flex;justify-content:space-between;align-items:baseline;padding:8px 0;font-size:.9rem;gap:8px;border-bottom:1px solid rgba(255,255,255,.04)}
.result-row:last-child{border-bottom:none}
.result-row .label{color:var(--gray);min-width:0}
.result-row .value{font-weight:700;white-space:nowrap;flex-shrink:0}
.result-row.highlight{font-weight:800;font-size:1.2rem;color:var(--accent);border-top:2px solid rgba(212,168,67,.2);padding-top:12px;margin-top:8px;border-bottom:none}
.result-row .deduct{color:var(--red)}

.rates-row{display:flex;gap:12px;margin-top:20px;flex-wrap:wrap}
.rate-badge{background:var(--glass);border:1px solid rgba(255,255,255,.08);border-radius:12px;padding:12px 16px;text-align:center;flex:1;min-width:0}
.rate-badge .rb-label{color:var(--gray);font-size:.75rem;text-transform:uppercase;letter-spacing:.5px}
.rate-badge .rb-val{font-family:'Playfair Display',system-ui,-apple-system,serif;font-size:1.3rem;color:var(--accent);margin-top:4px}

.table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch;margin-top:24px;width:100%}
.data-table{width:100%;border-collapse:collapse;font-size:.85rem}
.data-table th{text-align:left;color:var(--gray);font-size:.75rem;text-transform:uppercase;letter-spacing:.5px;padding:10px 12px;border-bottom:1px solid rgba(255,255,255,.08);white-space:nowrap}
.data-table td{padding:10px 12px;border-bottom:1px solid rgba(255,255,255,.04);white-space:nowrap}
.data-table tr:hover{background:rgba(255,255,255,.02)}
.data-table .amt{text-align:right;font-family:'Playfair Display',system-ui,-apple-system,serif;font-size:.85rem}

.insight-card{background:var(--card);border:1px solid rgba(212,168,67,.15);border-radius:var(--radius);padding:24px;margin-bottom:24px}
.insight-card h3{font-size:1.05rem;margin-bottom:10px;display:flex;align-items:center;gap:8px;color:var(--accent)}
.insight-card p{color:var(--gray);font-size:.92rem;line-height:1.7}
.insight-card strong{color:#F1F5F0}
.chart-wrap{margin-top:24px;max-width:350px;margin-left:auto;margin-right:auto}

.toggle-row{display:flex;align-items:center;justify-content:space-between;margin-bottom:12px;cursor:pointer;padding:8px 0}
.toggle-row span{font-weight:600;font-size:.85rem;color:var(--gray)}
.toggle-arrow{color:var(--accent);transition:transform .3s}
.toggle-row.open .toggle-arrow{transform:rotate(180deg)}
.collapsible{max-height:0;overflow:hidden;transition:max-height .4s ease}
.collapsible.open{max-height:1000px}

.related-tools-section{margin-top:40px;padding:32px 0}
.related-tools-title{font-family:'Playfair Display',system-ui,-apple-system,serif;font-size:1.2rem;color:var(--accent);margin-bottom:20px;text-align:center}
.related-tools-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:14px;max-width:900px;margin:0 auto}
.related-tool-card{display:flex;align-items:center;gap:14px;padding:16px 20px;background:var(--card);border:1px solid rgba(255,255,255,.08);border-radius:14px;text-decoration:none;color:#F1F5F0;transition:all .25s}
.related-tool-card:hover{border-color:var(--accent);background:rgba(212,168,67,.04);transform:translateY(-2px)}
.related-tool-icon{font-size:1.6rem;flex-shrink:0}
.related-tool-text{display:flex;flex-direction:column;min-width:0;flex:1}
.related-tool-text strong{font-size:.9rem;margin-bottom:2px}
.related-tool-text span{font-size:.78rem;color:var(--gray)}
.related-tool-arrow{color:var(--accent);font-size:1.1rem;flex-shrink:0;transition:transform .2s}
.related-tool-card:hover .related-tool-arrow{transform:translateX(4px)}

.site-footer{background:rgba(0,0,0,.3);border-top:1px solid rgba(255,255,255,.06);padding:48px 20px 32px;margin-top:40px}
.footer-inner{max-width:1100px;margin:0 auto;display:flex;flex-direction:column;align-items:center;gap:20px}
.footer-heading{font-family:'Playfair Display',system-ui,-apple-system,serif;font-size:.85rem;color:var(--accent);margin-bottom:12px;text-align:center}
.footer-tool-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:6px;width:100%;max-width:900px}
.footer-tool-grid a{color:var(--gray);text-decoration:none;font-size:.82rem;padding:8px 12px;border-radius:8px;transition:all .2s;display:block}
.footer-tool-grid a:hover{color:var(--accent);background:rgba(212,168,67,.06)}
.footer-divider{width:100%;max-width:900px;height:1px;background:rgba(255,255,255,.06);margin:8px 0}
.footer-links{display:flex;justify-content:center;gap:8px;flex-wrap:wrap}
.footer-links a{color:var(--gray);text-decoration:none;font-size:.88rem;padding:8px 16px;border-radius:8px;transition:all .2s}
.footer-links a:hover{color:var(--accent);background:rgba(212,168,67,.06)}
.footer-links a:focus-visible{outline:2px solid var(--accent);outline-offset:2px}
.divider{width:60px;height:2px;background:linear-gradient(90deg,transparent,var(--accent),transparent);border-radius:1px;margin:0 auto}
.copy{color:var(--gray);font-size:.82rem;text-align:center}
.disclaimer{color:var(--gray);font-size:.8rem;padding:16px;background:var(--card);border-radius:10px;line-height:1.6;margin-top:24px}

.cookie-banner{position:fixed;bottom:0;left:0;right:0;background:rgba(13,59,46,.97);backdrop-filter:blur(20px);border-top:1px solid rgba(255,255,255,.1);padding:16px 20px;display:flex;align-items:center;justify-content:center;gap:16px;z-index:1000;transform:translateY(100%);transition:transform .5s;flex-wrap:wrap}
.cookie-banner.show{transform:translateY(0)}.cookie-banner p{color:var(--gray);font-size:.85rem;max-width:600px}.cookie-banner a{color:var(--accent)}
.cookie-accept{background:var(--accent);color:var(--bg);border:none;padding:10px 24px;border-radius:50px;font-weight:700;cursor:pointer;font-size:.85rem}
.toast{background:var(--bg2);border:1px solid rgba(212,168,67,.3);color:#F1F5F0;padding:14px 28px;border-radius:12px;font-weight:600;font-size:.9rem;transition:all .4s;box-shadow:0 8px 32px rgba(0,0,0,.5);max-width:90vw;text-align:center;opacity:0;transform:translateY(20px)}
.toast.show{opacity:1;transform:translateY(0)}.toast.hide{opacity:0;transform:translateY(20px)}
[data-animate]{opacity:0;transform:translateY(30px);transition:opacity .5s ease,transform .5s ease;will-change:opacity,transform}[data-animate].visible{opacity:1;transform:translateY(0)}

/* ====== BLOG / ARTICLE STYLES ====== */
.article-container{max-width:780px;margin:0 auto;padding:0 20px}
.article-hero{padding:48px 0 20px;text-align:center;position:relative;overflow:hidden}
.article-hero::before{content:'';position:absolute;top:-200px;left:50%;transform:translateX(-50%);width:800px;height:800px;background:radial-gradient(circle,rgba(var(--accent-rgb),.06) 0%,transparent 70%);pointer-events:none}
.article-hero h1{font-size:clamp(1.6rem,4vw,2.4rem);line-height:1.25;max-width:800px;margin:0 auto 12px}
.article-hero h1 span{color:var(--accent)}
.article-meta{display:flex;align-items:center;justify-content:center;gap:16px;color:var(--gray);font-size:.85rem;flex-wrap:wrap;margin-bottom:8px}
.article-meta .tag{background:rgba(var(--accent-rgb),.12);color:var(--accent);padding:4px 12px;border-radius:50px;font-size:.78rem;font-weight:600}

.quick-answer{background:linear-gradient(135deg,rgba(var(--accent-rgb),.1),rgba(var(--accent-rgb),.03));border:1px solid rgba(var(--accent-rgb),.25);border-radius:var(--radius);padding:24px 28px;margin:24px 0 32px;font-size:1.02rem;line-height:1.8;color:var(--white)}
.quick-answer strong{color:var(--accent)}

.article-body{color:var(--gray);font-size:1rem;line-height:1.85}
.article-body h2{font-family:'Playfair Display',system-ui,-apple-system,serif;color:var(--white);font-size:1.45rem;margin:40px 0 16px;padding-bottom:8px;border-bottom:1px solid rgba(255,255,255,.06)}
.article-body h3{font-family:'Playfair Display',system-ui,-apple-system,serif;color:var(--white);font-size:1.15rem;margin:28px 0 10px}
.article-body p{margin-bottom:16px}
.article-body ul,.article-body ol{margin:0 0 16px 20px;padding-left:0}
.article-body li{margin-bottom:8px;line-height:1.7}
.article-body strong{color:var(--white)}
.article-body a{color:var(--accent);text-decoration:none;border-bottom:1px solid rgba(var(--accent-rgb),.3);transition:border-color .2s}
.article-body a:hover{border-color:var(--accent)}
.article-body blockquote{border-left:3px solid var(--accent);padding:12px 20px;margin:20px 0;background:rgba(var(--accent-rgb),.04);border-radius:0 var(--radius-sm) var(--radius-sm) 0;font-style:italic;color:#c4d0ca}

.example-box{background:linear-gradient(145deg,rgba(26,92,70,.7),rgba(13,59,46,.9));border:1px solid rgba(255,255,255,.1);border-radius:var(--radius);padding:24px 28px;margin:24px 0}
.example-box h4{color:var(--accent);font-family:'Playfair Display',system-ui,-apple-system,serif;font-size:1.05rem;margin-bottom:12px;display:flex;align-items:center;gap:8px}
.example-box .example-inputs,.example-box .example-outputs{display:grid;grid-template-columns:repeat(auto-fill,minmax(180px,1fr));gap:10px;margin-bottom:12px}
.example-box .ex-item{background:rgba(0,0,0,.15);padding:10px 14px;border-radius:var(--radius-sm);display:flex;flex-direction:column}
.example-box .ex-label{font-size:.75rem;text-transform:uppercase;letter-spacing:.5px;color:var(--gray);margin-bottom:2px}
.example-box .ex-value{font-family:'Playfair Display',system-ui,-apple-system,serif;font-size:1.1rem;color:var(--accent);font-weight:700}
.example-box .ex-result{background:rgba(var(--accent-rgb),.08);border:1px solid rgba(var(--accent-rgb),.2);padding:10px 14px;border-radius:var(--radius-sm);display:flex;flex-direction:column}
.example-box .ex-result .ex-value{color:var(--green)}
.example-box p{color:var(--gray);font-size:.92rem;line-height:1.7;margin-top:8px}

.comparison-table{width:100%;border-collapse:collapse;margin:24px 0;font-size:.9rem}
.comparison-table th{text-align:left;color:var(--accent);font-size:.8rem;text-transform:uppercase;letter-spacing:.5px;padding:12px 14px;border-bottom:2px solid rgba(var(--accent-rgb),.2);background:rgba(0,0,0,.15)}
.comparison-table td{padding:12px 14px;border-bottom:1px solid rgba(255,255,255,.04);color:var(--gray)}
.comparison-table td:first-child{color:var(--white);font-weight:600}
.comparison-table tr:hover{background:rgba(255,255,255,.02)}
.comparison-table .winner{color:var(--green);font-weight:700}

.cta-card{background:linear-gradient(135deg,rgba(var(--accent-rgb),.15),rgba(var(--accent-rgb),.05));border:1px solid rgba(var(--accent-rgb),.3);border-radius:var(--radius);padding:28px;text-align:center;margin:30px 0}
.cta-card h3{font-family:'Playfair Display',system-ui,-apple-system,serif;font-size:1.3rem;color:var(--white);margin-bottom:8px}
.cta-card p{color:var(--gray);margin-bottom:16px;font-size:.95rem}
.cta-card a,.cta-card .cta-btn{display:inline-block;background:var(--accent);color:var(--bg);padding:14px 36px;border-radius:50px;font-weight:700;text-decoration:none;transition:all .3s;font-size:.95rem;border:none;cursor:pointer}
.cta-card a:hover,.cta-card .cta-btn:hover{background:var(--accent2);transform:translateY(-2px)}

.faq-section{padding:40px 0}
.faq-title{font-family:'Playfair Display',system-ui,-apple-system,serif;font-size:1.5rem;text-align:center;margin-bottom:24px;color:var(--white)}
.faq-item{border:1px solid rgba(255,255,255,.06);border-radius:var(--radius);margin-bottom:10px;overflow:hidden;background:var(--card);transition:all .3s}
.faq-item:hover{border-color:rgba(var(--accent-rgb),.3)}
.faq-q{padding:18px 24px;cursor:pointer;display:flex;justify-content:space-between;align-items:center;font-weight:700;font-size:1rem;color:var(--white);user-select:none}
.faq-q:hover{color:var(--accent)}
.faq-q .icon{color:var(--accent);font-size:1.4rem;transition:transform .3s;flex-shrink:0;margin-left:12px}
.faq-item.open .faq-q .icon{transform:rotate(45deg)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .4s ease}
.faq-item.open .faq-a{max-height:500px;padding:0 24px 18px}
.faq-a p{color:var(--gray);font-size:.95rem;line-height:1.7;margin-bottom:8px}
.faq-a p:last-child{margin-bottom:0}

.when-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:24px 0}
.when-card{background:var(--card);border:1px solid rgba(255,255,255,.06);border-radius:var(--radius);padding:20px 24px}
.when-card h4{font-family:'Playfair Display',system-ui,-apple-system,serif;margin-bottom:10px;font-size:1rem;display:flex;align-items:center;gap:8px}
.when-card.do h4{color:var(--green)}
.when-card.dont h4{color:var(--red)}
.when-card ul{list-style:none;padding:0;margin:0}
.when-card li{color:var(--gray);font-size:.9rem;padding:4px 0;line-height:1.5}
.when-card.do li::before{content:'✓ ';color:var(--green)}
.when-card.dont li::before{content:'✗ ';color:var(--red)}

.author-section{background:var(--card);border:1px solid rgba(255,255,255,.06);border-radius:var(--radius);padding:24px 28px;margin:32px 0;display:flex;align-items:flex-start;gap:16px}
.author-section .author-avatar{width:48px;height:48px;border-radius:50%;background:rgba(var(--accent-rgb),.15);display:flex;align-items:center;justify-content:center;font-size:1.4rem;flex-shrink:0}
.author-section .author-info{flex:1}
.author-section .author-name{font-weight:700;color:#F1F5F0;font-size:.95rem;margin-bottom:4px}
.author-section .author-bio{color:var(--gray);font-size:.85rem;line-height:1.6}

.highlight-row{background:rgba(var(--accent-rgb),.06)!important}
.highlight-row td{color:var(--accent)!important;font-weight:700}

/* Programmatic page specific */
.prog-hero-stat{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:24px 0}
.prog-stat{background:var(--card);border:1px solid rgba(255,255,255,.08);border-radius:var(--radius);padding:20px;text-align:center}
.prog-stat .ps-val{font-family:'Playfair Display',system-ui,-apple-system,serif;font-size:1.6rem;color:var(--accent);margin-bottom:4px}
.prog-stat .ps-label{color:var(--gray);font-size:.82rem}

@media(max-width:768px){
  .when-grid{grid-template-columns:1fr}
  .prog-hero-stat{grid-template-columns:1fr}
  .example-box .example-inputs,.example-box .example-outputs{grid-template-columns:1fr}
  .comparison-table{font-size:.8rem}
  .comparison-table th,.comparison-table td{padding:8px 10px}
  .quick-answer{padding:18px 20px}
  .article-hero h1{font-size:1.45rem}
}

@media print{.sticky-header,.cookie-banner,.action-bar,.tool-nav,.nav-toggle,.related-tools-section,.site-footer,footer,.toast,.breadcrumb,.page-hero,.disclaimer,.btn,.btn-primary,.btn-outline,.action-btn,.header-cta,.header-guides-link,.field label,.field input,.field select,.field textarea,.row2,.row3,.chart-wrap,canvas,.toggle-row,.collapsible:not(.open),.cta-card,.faq-section,.faq-item,.author-section,[data-animate]:not(.visible){display:none!important}body{background:#fff;color:#111;font-size:11pt}.tool-grid{grid-template-columns:1fr!important}.tool-panel{border:1px solid #ddd;box-shadow:none;background:#fff;break-inside:avoid;padding:16px}.result-card{border:2px solid #8B6914;box-shadow:none;background:#fffbeb;break-inside:avoid;padding:20px;border-radius:8px}h1,h2,h3{color:#111}.panel-title,.rate-badge .rb-val{color:#8B6914!important}*{color:#333!important}.result-row.highlight,.result-row.highlight .value{color:#8B6914!important;font-weight:700}.result-row{border-bottom:1px solid #eee;padding:6px 0}.insight-card{background:#f9fafb!important;border:1px solid #e5e7eb!important;page-break-inside:avoid}.data-table{border-collapse:collapse;width:100%}.data-table th,.data-table td{border:1px solid #ddd;padding:6px 8px}.data-table th{background:#f5f5f5!important}}

@media(max-width:768px){.tool-grid{grid-template-columns:1fr}.row2,.row3{grid-template-columns:1fr}.container{padding:0 12px}.page-hero h1{font-size:1.5rem}.page-hero{padding:40px 0 16px}.tool-panel{padding:18px 14px}.panel-title{font-size:.95rem}.rates-row{gap:8px}.rate-badge{padding:10px 8px}.action-bar{flex-direction:column}.action-btn{width:100%}.chart-wrap{max-width:280px}.footer-tool-grid{grid-template-columns:1fr 1fr}.site-footer{padding:32px 16px 24px}.related-tools-grid{grid-template-columns:1fr}}
@media(max-width:420px){.container{padding:0 10px}.header-inner{padding:0 10px}.logo{font-size:.95rem}.header-cta{padding:8px 16px;font-size:.8rem}.page-hero h1{font-size:1.3rem}.tool-panel{padding:14px 10px}.footer-tool-grid{grid-template-columns:1fr}}

/* -- Skip Navigation Link (WCAG 2.4.1) ----------------------------------- */
.skip-link{position:absolute;top:-100%;left:16px;z-index:9999;padding:12px 24px;background:var(--accent,#00D4FF);color:#0A0F1E;font-weight:700;font-size:.95rem;border-radius:0 0 8px 8px;text-decoration:none;transition:top .2s;white-space:nowrap}
.skip-link:focus{top:0}

/* -- Focus Visible - WCAG 2.4.7 ------------------------------------------ */
:focus-visible{outline:3px solid var(--accent,#00D4FF);outline-offset:3px;border-radius:4px}
button:focus-visible,.action-btn:focus-visible,.nav-tool-item:focus-visible,.related-tool-card:focus-visible,.footer-tool-grid a:focus-visible,.footer-links a:focus-visible,.header-cta:focus-visible,.header-guides-link:focus-visible,.cta-card a:focus-visible{outline:3px solid var(--accent,#00D4FF);outline-offset:3px}

/* -- Reduced Motion - WCAG 2.3.3 ----------------------------------------- */
@media(prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important;scroll-behavior:auto!important}
  [data-animate]{opacity:1!important;transform:none!important;transition:none!important}
  .tool-nav{transition:none!important}
  .cookie-banner{transition:none!important}
}


#site-header{min-height:92px}
#site-nav{min-height:48px}