@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:ital,wght@0,700;0,900;1,700&family=DM+Sans:ital,opsz,wght@0,9..40,300;0,9..40,400;0,9..40,500;0,9..40,600;1,9..40,400&display=swap');

:root {
  --ink:#0f0f0f;--cream:#faf8f3;--warm:#f5f0e8;--warm-deep:#ede7d9;
  --gold:#c9a84c;--gold-light:#e8d49a;--gold-deep:#a07830;
  --sage:#3d6b5c;--sage-light:#e8f0ed;--sage-mid:#c2d8d1;
  --rust:#b85c38;--rust-light:#f5e8e2;
  --sky:#2c5f8a;--sky-light:#e8f0f8;
  --muted:#6b6560;--muted-light:#9b9590;
  --border:#e0dbd0;--border-dark:#c5bfb4;--white:#ffffff;
  --shadow-sm:0 1px 3px rgba(0,0,0,.06),0 1px 2px rgba(0,0,0,.04);
  --shadow-md:0 4px 16px rgba(0,0,0,.08),0 2px 6px rgba(0,0,0,.04);
  --shadow-lg:0 12px 40px rgba(0,0,0,.12),0 4px 12px rgba(0,0,0,.06);
  --shadow-xl:0 24px 64px rgba(0,0,0,.18),0 8px 20px rgba(0,0,0,.08);
  --r-sm:3px;--r-md:6px;--r-lg:12px;
  --ease:.2s cubic-bezier(.4,0,.2,1);
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%;text-size-adjust:100%;overflow-x:clip}
body{font-family:'DM Sans',sans-serif;background:var(--cream);color:var(--ink);line-height:1.6;-webkit-font-smoothing:antialiased;-webkit-tap-highlight-color:rgba(61,107,92,.18);overflow-x:clip;min-height:100vh}
img{max-width:100%;height:auto;display:block}
button,a,input[type=submit],input[type=button],label,.calc-btn,.btn-primary,.btn-secondary,.btn-accept,.btn-manage,.calc-card,.popular-link,.page-tab,.cw-tab,.nav-toggle,.comp-cta,.news-btn{touch-action:manipulation}
h1,h2,h3,h4,h5{font-family:'Playfair Display',Georgia,serif;line-height:1.15;color:var(--ink)}

/* ── CONSENT BANNER ── */
/* ── COOKIE CONSENT BACKDROP ── */
.consent-backdrop{position:fixed;inset:0;z-index:9998;background:rgba(0,0,0,.55);backdrop-filter:blur(6px);-webkit-backdrop-filter:blur(6px);transition:opacity .35s}
.consent-backdrop.hidden{opacity:0;pointer-events:none}
/* ── COOKIE CONSENT MODAL ── */
.consent-banner{position:fixed;top:50%;left:50%;transform:translate(-50%,-50%);z-index:9999;background:var(--white);color:var(--ink);padding:36px;border-radius:var(--r-lg);max-width:520px;width:calc(100% - 32px);box-shadow:0 24px 64px rgba(0,0,0,.35);transition:opacity .35s,transform .35s}
.consent-banner.hidden{opacity:0;pointer-events:none;transform:translate(-50%,-46%)}
.consent-banner .consent-logo{font-size:20px;font-weight:800;color:var(--ink);margin-bottom:16px;display:block}
.consent-banner .consent-logo span{color:var(--sage)}
.consent-banner h2{font-size:18px;font-weight:700;margin-bottom:10px;color:var(--ink)}
.consent-text{margin-bottom:24px}
.consent-text p{font-size:13.5px;color:var(--muted);line-height:1.7}
.consent-text a{color:var(--sage);text-decoration:underline}
.consent-actions{display:flex;gap:10px;flex-wrap:wrap;align-items:center}
.btn-accept{background:var(--sage);color:#fff;border:none;padding:12px 28px;font-weight:700;font-size:14px;cursor:pointer;border-radius:var(--r-sm);transition:background var(--ease);flex:1;min-width:140px}
.btn-accept:hover{filter:brightness(1.1)}
.btn-manage{background:transparent;color:var(--ink);border:1px solid var(--border);padding:12px 20px;font-size:13px;cursor:pointer;border-radius:var(--r-sm);transition:all var(--ease);font-family:'DM Sans',sans-serif}
.btn-manage:hover{border-color:var(--sage)}
.btn-reject{background:transparent;color:var(--muted);border:none;padding:10px 8px;font-size:12px;cursor:pointer;text-decoration:underline;width:100%;text-align:center;margin-top:4px}

/* ── MODAL ── */
.modal-overlay{position:fixed;inset:0;z-index:10000;background:rgba(0,0,0,.6);backdrop-filter:blur(4px);display:flex;align-items:center;justify-content:center;padding:20px;opacity:0;pointer-events:none;transition:opacity .3s}
.modal-overlay.open{opacity:1;pointer-events:all}
.modal-box{background:var(--white);border-radius:var(--r-lg);padding:36px;max-width:560px;width:100%;max-height:85vh;overflow-y:auto;box-shadow:var(--shadow-xl)}
.modal-box h2{font-size:22px;margin-bottom:8px}
.modal-box>p{font-size:13.5px;color:var(--muted);margin-bottom:24px;line-height:1.6}
.consent-cat{display:flex;justify-content:space-between;align-items:flex-start;padding:16px 0;border-bottom:1px solid var(--border);gap:16px}
.consent-cat:last-of-type{border-bottom:none}
.consent-cat h4{font-family:'DM Sans',sans-serif;font-size:14px;font-weight:600;margin-bottom:4px}
.consent-cat p{font-size:12px;color:var(--muted);max-width:380px;margin:0}
.toggle{position:relative;width:44px;height:24px;flex-shrink:0}
.toggle input{opacity:0;width:0;height:0}
.toggle-sl{position:absolute;inset:0;cursor:pointer;background:var(--border-dark);border-radius:24px;transition:background .2s}
.toggle-sl::before{content:'';position:absolute;width:18px;height:18px;left:3px;bottom:3px;background:white;border-radius:50%;transition:transform .2s;box-shadow:0 1px 4px rgba(0,0,0,.2)}
.toggle input:checked+.toggle-sl{background:var(--sage)}
.toggle input:checked+.toggle-sl::before{transform:translateX(20px)}
.toggle input:disabled+.toggle-sl{background:var(--sage);opacity:.6;cursor:not-allowed}
.modal-actions{display:flex;gap:10px;margin-top:24px;flex-wrap:wrap}
.btn-primary{background:var(--sage);color:white;border:none;padding:11px 24px;border-radius:var(--r-sm);font-size:14px;font-weight:600;cursor:pointer;transition:background var(--ease);font-family:'DM Sans',sans-serif}
.btn-primary:hover{background:#2e5246}
.btn-secondary{background:transparent;color:var(--ink);border:1px solid var(--border-dark);padding:11px 20px;border-radius:var(--r-sm);font-size:14px;cursor:pointer;transition:all var(--ease);font-family:'DM Sans',sans-serif}
.btn-secondary:hover{border-color:var(--ink)}

/* ── TOPBAR ── */
.topbar{background:var(--ink);color:rgba(255,255,255,.65);font-size:11px;letter-spacing:.07em;text-transform:uppercase;padding:7px 48px;display:flex;justify-content:space-between;align-items:center}
.topbar a{color:rgba(255,255,255,.6);text-decoration:none;margin-left:18px;transition:color var(--ease)}
.topbar a:hover{color:var(--gold)}

/* ── HEADER ── */
.site-header{background:var(--white);border-bottom:1px solid var(--border);padding:0 48px;display:flex;align-items:center;gap:28px;height:70px;position:sticky;top:0;z-index:100;box-shadow:var(--shadow-sm)}
.logo{display:flex;align-items:center;line-height:0;text-decoration:none;flex-shrink:0}
.logo .lockup-svg{height:34px;width:auto;display:block}
.site-nav{display:flex;gap:2px;flex:1 1 0;min-width:0;overflow-x:auto;scrollbar-width:none;-ms-overflow-style:none}
.site-nav::-webkit-scrollbar{display:none}
.site-nav a{color:var(--muted);text-decoration:none;font-size:13.5px;font-weight:500;padding:8px 13px;border-radius:var(--r-sm);white-space:nowrap;transition:all var(--ease);position:relative;flex-shrink:0}
/* ── HEADER: two-row layout when viewport is too narrow for 13 nav items + search + CTA ── */
@media(max-width:1700px){
  .site-header{flex-wrap:wrap;height:auto;min-height:70px;padding:10px 48px;row-gap:8px}
  .logo{order:1}
  .header-search{order:2;margin-left:auto}
  .site-header > a[style*="sage"]{order:3}
  .nav-toggle{order:4}
  .site-nav{order:99;flex-basis:100%;min-width:100%;padding-top:8px;margin-top:4px;border-top:1px solid var(--border);gap:0}
  .site-nav a{padding:8px 12px}
}
.site-nav a:hover{color:var(--ink);background:var(--warm)}
.site-nav a.active{color:var(--sage);font-weight:600}
.site-nav a.active::after{content:'';position:absolute;bottom:-1px;left:13px;right:13px;height:2px;background:var(--sage);border-radius:1px}
.header-search{display:flex;align-items:center;border:1px solid var(--border);border-radius:var(--r-sm);overflow:visible;background:var(--warm);position:relative}
.header-search input{border:none;background:transparent;padding:8px 14px;font-family:'DM Sans',sans-serif;font-size:13px;color:var(--ink);width:190px;outline:none;min-width:0;border-radius:var(--r-sm) 0 0 var(--r-sm)}
.header-search button{background:transparent;border:none;padding:8px 12px;cursor:pointer;color:var(--muted);font-size:15px;border-left:1px solid var(--border);border-radius:0 var(--r-sm) var(--r-sm) 0}
.header-search button:hover{color:var(--sage)}
.search-dropdown{position:absolute;top:100%;left:0;right:0;background:var(--white);border:1px solid var(--border);border-top:none;border-radius:0 0 var(--r-md) var(--r-md);box-shadow:var(--shadow-lg);max-height:380px;overflow-y:auto;display:none;z-index:200}
.search-dropdown.open{display:block}
.search-item{display:flex;align-items:center;gap:12px;padding:11px 16px;text-decoration:none;color:var(--ink);border-bottom:1px solid var(--border);transition:background var(--ease)}
.search-item:hover{background:var(--warm)}
.search-item:last-child{border-bottom:none}
.si-icon{font-size:18px}
.si-name{font-weight:600;font-size:13.5px}
.si-cat{font-size:11.5px;color:var(--muted)}
.nav-toggle{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:6px;background:none;border:none;margin-left:auto}
.nav-toggle span{display:block;width:22px;height:2px;background:var(--ink);border-radius:2px;transition:all var(--ease)}

/* ── POPULAR STRIP ── */
.popular-strip{background:var(--warm);border-bottom:1px solid var(--border);padding:10px 48px;display:flex;align-items:center;gap:8px;overflow-x:auto;scrollbar-width:none}
.popular-strip::-webkit-scrollbar{display:none}
.popular-label{font-size:11px;text-transform:uppercase;letter-spacing:.1em;font-weight:600;color:var(--muted);white-space:nowrap;flex-shrink:0}
.popular-link{font-size:12.5px;color:var(--sky);text-decoration:none;white-space:nowrap;padding:4px 12px;border:1px solid rgba(44,95,138,.22);border-radius:20px;font-weight:500;flex-shrink:0;transition:all var(--ease)}
.popular-link:hover{background:var(--sky);color:#fff;border-color:var(--sky)}

/* ── AD SLOTS ── */
.ad-slot{background:#f9f7f2;border:1px dashed #ddd8cc;border-radius:var(--r-sm);display:flex;flex-direction:column;align-items:center;justify-content:center;gap:3px;color:#b8b0a5;font-size:10.5px;letter-spacing:.06em;text-transform:uppercase;font-weight:500}
.ad-slot small{font-size:9px;opacity:.6}
.ad-wrap{background:var(--warm);padding:12px 0;border-bottom:1px solid var(--border);display:flex;justify-content:center}
.ad-leaderboard{width:728px;height:90px;max-width:calc(100vw - 80px)}
.ad-rectangle{width:336px;height:280px;max-width:100%}
.ad-sidebar-med{width:300px;height:250px;max-width:100%}
.ad-sidebar-lg{width:300px;height:600px;max-width:100%}
.ad-inline-banner{width:728px;height:90px;max-width:100%}
.ad-center{display:flex;justify-content:center;margin:28px 0}

/* ── LAYOUT ── */
.site-wrap{max-width:1240px;margin:0 auto;padding:40px 48px 72px}
.two-col{display:grid;grid-template-columns:1fr 300px;gap:52px;align-items:start}
.main-col{min-width:0}
.sidebar-col{position:sticky;top:90px}

/* ── BREADCRUMB ── */
.breadcrumb{display:flex;align-items:center;gap:6px;font-size:12px;color:var(--muted);margin-bottom:28px;flex-wrap:wrap}
.breadcrumb a{color:var(--muted);text-decoration:none}
.breadcrumb a:hover{color:var(--sky)}
.breadcrumb .sep{opacity:.4}
.breadcrumb .cur{color:var(--ink)}

/* ── SECTION HEADER ── */
.sec-head{display:flex;align-items:baseline;gap:14px;margin-bottom:24px;padding-bottom:14px;border-bottom:2px solid var(--ink)}
.sec-head h2{font-size:26px;font-weight:700}
.sec-head .ct{font-size:12px;color:var(--muted);font-family:'DM Sans',sans-serif;font-weight:400}
.sec-head .see-all{font-size:12px;color:var(--sky);font-weight:600;text-decoration:none;letter-spacing:.04em;text-transform:uppercase;margin-left:auto;font-family:'DM Sans',sans-serif}
.sec-head .see-all:hover{color:var(--gold)}

/* ── CALC CARDS ── */
.calc-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(268px,1fr));gap:20px;margin-bottom:36px}
.calc-card{background:var(--white);border:1px solid var(--border);border-radius:var(--r-md);padding:22px;text-decoration:none;color:var(--ink);transition:all var(--ease);display:flex;flex-direction:column;position:relative;overflow:hidden}
.calc-card::before{content:'';position:absolute;top:0;left:0;right:0;height:3px}
.calc-card:hover{border-color:var(--border-dark);box-shadow:var(--shadow-md);transform:translateY(-3px)}
.cc-mortgage::before{background:var(--sky)}
.cc-finance::before{background:var(--sage)}
.cc-tax::before{background:var(--rust)}
.cc-investment::before{background:var(--gold)}
.cc-health::before{background:#5b7a52}
.cc-business::before{background:#7a5b52}
.cc-currency::before{background:#5b527a}
.cc-property::before{background:#527a7a}
.cc-metric::before{background:#2e7d6b}
.cc-utility::before{background:#6b4a8a}
.cc-ai::before{background:#4f46e5}
.cc-motoring::before{background:#1f6f8b}
.cc-energy::before{background:#3d8b40}
.card-icon{font-size:28px;margin-bottom:12px}
.card-cat{font-size:10px;text-transform:uppercase;letter-spacing:.12em;font-weight:600;margin-bottom:7px}
.cc-mortgage .card-cat{color:var(--sky)}
.cc-finance .card-cat{color:var(--sage)}
.cc-tax .card-cat{color:var(--rust)}
.cc-investment .card-cat{color:var(--gold-deep)}
.cc-health .card-cat{color:#5b7a52}
.cc-business .card-cat{color:#7a5b52}
.cc-currency .card-cat{color:#5b527a}
.cc-property .card-cat{color:#527a7a}
.cc-metric .card-cat{color:#2e7d6b}
.cc-utility .card-cat{color:#6b4a8a}
.cc-ai .card-cat{color:#4f46e5}
.cc-motoring .card-cat{color:#1f6f8b}
.cc-energy .card-cat{color:#3d8b40}
.card-title{font-family:'Playfair Display',serif;font-size:17px;font-weight:700;margin-bottom:8px;line-height:1.25}
.card-desc{font-size:13px;color:var(--muted);line-height:1.55;flex:1;margin-bottom:14px}
.card-foot{display:flex;align-items:center;gap:8px}
.badge{font-size:10px;font-weight:600;letter-spacing:.04em;padding:3px 8px;border-radius:2px;text-transform:uppercase}
.badge-pop{background:#fff3e0;color:#9a5a00}
.badge-new{background:var(--sage-light);color:var(--sage)}
.badge-upd{background:var(--sky-light);color:var(--sky)}
.card-uses{font-size:11px;color:var(--muted-light);margin-left:auto}

/* ── CALC WIDGET ── */
.calc-widget{background:var(--white);border:1px solid var(--border);border-radius:var(--r-md);overflow:hidden;margin-bottom:32px;box-shadow:var(--shadow-sm)}
.cw-header{padding:22px 28px 0}
.cw-header h1{font-size:28px;margin-bottom:5px}
.cw-header h2{font-size:24px;margin-bottom:5px}
.cw-header p{font-size:13.5px;color:var(--muted);margin-bottom:20px}
.cw-body{padding:28px}
.cw-tabs{display:flex;border-bottom:1px solid var(--border);margin-bottom:24px}
.cw-tab{padding:10px 18px;font-size:13.5px;font-weight:500;color:var(--muted);cursor:pointer;border-bottom:2px solid transparent;margin-bottom:-1px;transition:all var(--ease);font-family:'DM Sans',sans-serif;border:none;background:none}
.cw-tab.active{color:var(--sage);border-bottom-color:var(--sage);font-weight:600}
.form-row{margin-bottom:18px}
.form-row label{display:block;font-size:11.5px;font-weight:600;letter-spacing:.05em;text-transform:uppercase;color:var(--muted);margin-bottom:7px}
.form-row input[type=number],.form-row input[type=text],.form-row input[type=date],.form-row select{width:100%;border:1px solid var(--border);border-radius:var(--r-sm);padding:11px 14px;font-family:'DM Sans',sans-serif;font-size:14px;background:var(--warm);color:var(--ink);transition:border-color var(--ease);-moz-appearance:textfield}
.form-row input[type=date]{cursor:pointer}
.form-row input:focus,.form-row select:focus{outline:none;border-color:var(--sage);background:var(--white)}
.form-row input::-webkit-outer-spin-button,.form-row input::-webkit-inner-spin-button{-webkit-appearance:none}
.form-row .hint{font-size:11px;color:var(--muted-light);margin-top:5px}
.fg2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.fg3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:14px}
.rg{margin-bottom:18px}
.rg-label{display:flex;justify-content:space-between;font-size:11.5px;font-weight:600;text-transform:uppercase;letter-spacing:.05em;color:var(--muted);margin-bottom:8px}
.rg-label span{font-size:14px;text-transform:none;letter-spacing:0;color:var(--ink);font-weight:600}
input[type=range]{width:100%;height:5px;cursor:pointer;-webkit-appearance:none;appearance:none;background:var(--border);border-radius:3px;outline:none}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:18px;height:18px;border-radius:50%;background:var(--sage);border:2px solid white;box-shadow:0 1px 6px rgba(0,0,0,.2);cursor:pointer;transition:transform .15s}
input[type=range]::-webkit-slider-thumb:hover{transform:scale(1.15)}
input[type=range].sky::-webkit-slider-thumb{background:var(--sky)}
input[type=range].gold::-webkit-slider-thumb{background:var(--gold)}
.calc-btn{width:100%;background:var(--sage);color:#fff;border:none;border-radius:var(--r-sm);padding:14px 20px;font-size:14px;font-weight:600;cursor:pointer;font-family:'DM Sans',sans-serif;letter-spacing:.03em;transition:all var(--ease);display:flex;align-items:center;justify-content:center;gap:8px}
.calc-btn:hover{background:#2e5246;transform:translateY(-1px);box-shadow:var(--shadow-sm)}
.calc-btn.sky-btn{background:var(--sky)}
.calc-btn.sky-btn:hover{background:#1f4a6e}
.calc-btn.gold-btn{background:var(--gold);color:var(--ink)}
.calc-btn.gold-btn:hover{background:var(--gold-deep);color:#fff}
.results-panel{background:var(--warm);border-radius:var(--r-md);padding:24px;margin-top:24px;border:1px solid var(--border)}
.res-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:16px}
.res-item{min-width:0;overflow:hidden}
.res-label{font-size:10.5px;text-transform:uppercase;letter-spacing:.1em;color:var(--muted);font-weight:600;margin-bottom:4px;word-break:break-word}
.res-value{font-family:'Playfair Display',serif;font-size:clamp(14px,2vw,22px);font-weight:700;color:var(--ink);line-height:1.2;word-break:break-word;overflow-wrap:anywhere}
.res-value.sage{color:var(--sage)}
.res-value.sky{color:var(--sky)}
.res-value.gold{color:var(--gold-deep)}
.res-value.rust{color:var(--rust)}
.res-sub{font-size:12px;color:var(--muted);margin-top:3px}
.res-divider{border:none;border-top:1px solid var(--border-dark);margin:18px 0}
.disclaimer{background:#fffbf0;border:1px solid #f0e4bc;border-radius:var(--r-sm);padding:14px 16px;margin-top:20px;font-size:12px;color:var(--muted);line-height:1.6}
.disclaimer strong{color:var(--rust)}

/* ── AMORT TABLE ── */
.amort-wrap{max-height:340px;overflow-y:auto;overflow-x:auto;border:1px solid var(--border);border-radius:var(--r-sm);margin-top:20px}
.amort-table{width:100%;border-collapse:collapse;font-size:13px;min-width:420px}
.amort-table th{background:var(--ink);color:#fff;padding:10px 14px;text-align:left;font-size:11px;text-transform:uppercase;letter-spacing:.06em;font-weight:600;font-family:'DM Sans',sans-serif;position:sticky;top:0}
.amort-table td{padding:9px 14px;border-bottom:1px solid var(--border)}
.amort-table tr:last-child td{border-bottom:none}
.amort-table tr:nth-child(even) td{background:var(--warm)}
.amort-table .totrow td{background:var(--sage-light);font-weight:600}


/* ── SIDEBAR ── */
.sidebar-widget{background:var(--white);border:1px solid var(--border);border-radius:var(--r-md);padding:20px;margin-bottom:20px;box-shadow:var(--shadow-sm)}
.widget-title{font-family:'Playfair Display',serif;font-size:17px;font-weight:700;margin-bottom:14px;padding-bottom:10px;border-bottom:1px solid var(--border)}
.quick-links{list-style:none}
.quick-links li{border-bottom:1px solid var(--border)}
.quick-links li:last-child{border-bottom:none}
.quick-links a{display:flex;align-items:center;padding:10px 0;color:var(--ink);text-decoration:none;font-size:13.5px;transition:color var(--ease)}
.quick-links a:hover{color:var(--sky)}
.ql-icon{margin-right:9px;font-size:15px}
.ql-arrow{color:var(--muted-light);font-size:12px;margin-left:auto}
.rate-row{display:flex;justify-content:space-between;align-items:center;padding:10px 0;border-bottom:1px solid var(--border);font-size:13.5px}
.rate-row:last-child{border-bottom:none}
.rate-nm{color:var(--muted);font-size:13px}
.rate-val{font-weight:700;color:var(--sage);font-size:15px}
.rate-chg{font-size:11px;margin-left:4px}
.chg-up{color:#2e7d32}
.chg-dn{color:var(--rust)}
.news-widget{background:var(--ink);padding:22px;border-radius:var(--r-md);margin-bottom:20px}
.news-widget h3{font-family:'Playfair Display',serif;font-size:18px;color:var(--gold);margin-bottom:8px}
.news-widget p{font-size:13px;color:rgba(255,255,255,.65);margin-bottom:16px;line-height:1.6}
.news-input{width:100%;border:1px solid rgba(255,255,255,.15);background:rgba(255,255,255,.08);color:#fff;padding:10px 13px;font-size:13px;border-radius:var(--r-sm);font-family:'DM Sans',sans-serif;margin-bottom:9px;transition:border-color var(--ease)}
.news-input:focus{outline:none;border-color:var(--gold)}
.news-input::placeholder{color:rgba(255,255,255,.3)}
.news-btn{width:100%;background:var(--gold);color:var(--ink);border:none;padding:11px;font-size:13px;font-weight:700;cursor:pointer;border-radius:var(--r-sm);font-family:'DM Sans',sans-serif;transition:background var(--ease)}
.news-btn:hover{background:var(--gold-deep);color:#fff}
.gdpr-note{font-size:10.5px;color:rgba(255,255,255,.35);margin-top:9px;line-height:1.5}
.gdpr-note a{color:rgba(255,255,255,.45);text-decoration:underline}

/* ── COMPARISON TABLE ── */
.comp-block{background:var(--white);border:1px solid var(--border);border-radius:var(--r-md);margin-bottom:32px;overflow:hidden;box-shadow:var(--shadow-sm)}
.comp-table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch}
.comp-head{padding:18px 24px;border-bottom:1px solid var(--border);display:flex;align-items:center;gap:12px;flex-wrap:wrap}
.comp-head h3{font-size:20px}
.spons-tag{font-size:10px;background:#fff3cd;color:#856404;padding:3px 9px;border-radius:2px;font-weight:700;letter-spacing:.05em;text-transform:uppercase}
.comp-upd{font-size:11.5px;color:var(--muted);margin-left:auto}
.comp-table{width:100%;border-collapse:collapse}
.comp-table th{font-size:11px;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);padding:12px 18px;text-align:left;font-weight:600;background:var(--warm);border-bottom:1px solid var(--border)}
.comp-table td{padding:14px 18px;border-bottom:1px solid var(--border);font-size:13.5px;vertical-align:middle}
.comp-table tr:last-child td{border-bottom:none}
.comp-table tr:hover td{background:#fdfcf8}
.ldr-name{font-weight:600;color:var(--sky);font-size:14px}
.ldr-stars{color:var(--gold);font-size:11px}
.rate-pill{background:var(--sage-light);color:var(--sage);font-weight:700;font-size:15px;padding:4px 10px;border-radius:var(--r-sm);display:inline-block}
.comp-cta{background:var(--gold);color:var(--ink);padding:8px 16px;border-radius:var(--r-sm);font-size:12px;font-weight:700;text-decoration:none;white-space:nowrap;transition:all var(--ease);display:inline-block}
.comp-cta:hover{background:var(--gold-deep);color:#fff}
.comp-foot{font-size:11px;color:var(--muted);padding:12px 18px;border-top:1px solid var(--border);line-height:1.5}

/* ── CONTENT BLOCK ── */
.content-block{background:var(--white);border:1px solid var(--border);border-radius:var(--r-md);padding:32px;margin-bottom:32px;box-shadow:var(--shadow-sm)}
.content-block h2{font-size:24px;margin-bottom:14px}
.content-block h3{font-size:19px;margin-bottom:10px;margin-top:24px}
.content-block p{color:#3a3733;font-size:14.5px;line-height:1.78;margin-bottom:14px}
.content-block ul,.content-block ol{padding-left:22px;margin-bottom:14px}
.content-block li{font-size:14.5px;color:#3a3733;line-height:1.7;margin-bottom:6px}
.content-block strong{color:var(--ink)}
.content-block a{color:var(--sky);text-decoration:underline}
.toc-box{background:var(--warm);border-left:3px solid var(--gold);padding:18px 22px;margin-bottom:24px;border-radius:0 var(--r-sm) var(--r-sm) 0}
.toc-heading{font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);margin-bottom:10px}
.toc-list{list-style:none;padding:0;counter-reset:toc}
.toc-list li{counter-increment:toc;padding:3px 0}
.toc-list li::before{content:counter(toc) ". ";color:var(--gold-deep);font-weight:600;font-size:13px}
.toc-list a{color:var(--sky);text-decoration:none;font-size:13.5px}
.toc-list a:hover{text-decoration:underline}
.expert-badge{display:flex;align-items:center;gap:12px;background:var(--sage-light);border-radius:var(--r-sm);padding:14px 18px;margin-top:20px;border:1px solid var(--sage-mid)}
.expert-icon{font-size:28px}
.expert-txt{font-size:12.5px;color:var(--sage);line-height:1.5}
.expert-txt strong{color:var(--ink)}

/* ── PAGE TABS ── */
.page-tabs{display:flex;gap:0;margin-bottom:28px;border-bottom:2px solid var(--border);overflow-x:auto}
.page-tab{padding:12px 20px;font-size:14px;font-weight:500;color:var(--muted);cursor:pointer;border-bottom:2px solid transparent;margin-bottom:-2px;text-decoration:none;white-space:nowrap;transition:all var(--ease);font-family:'DM Sans',sans-serif;background:none;border-left:none;border-right:none;border-top:none}
.page-tab:hover{color:var(--ink)}
.page-tab.active{color:var(--sage);border-bottom-color:var(--sage);font-weight:600}

/* ── HERO ── */
.hero{background:var(--ink);padding:80px 48px;display:grid;grid-template-columns:1fr 480px;gap:64px;align-items:center;position:relative;overflow:hidden}
.hero::before{content:'';position:absolute;top:-80px;right:-80px;width:520px;height:520px;background:radial-gradient(circle,rgba(201,168,76,.11) 0%,transparent 70%);border-radius:50%;pointer-events:none}
.hero::after{content:'';position:absolute;bottom:-100px;left:-60px;width:360px;height:360px;background:radial-gradient(circle,rgba(61,107,92,.12) 0%,transparent 70%);border-radius:50%;pointer-events:none}
.hero-tag{font-size:11px;letter-spacing:.2em;text-transform:uppercase;color:var(--gold);margin-bottom:18px;font-weight:600;display:flex;align-items:center;gap:10px}
.hero-tag::before{content:'';display:block;width:28px;height:1px;background:var(--gold)}
.hero h1{font-family:'Playfair Display',serif;font-size:56px;font-weight:900;color:#fff;line-height:1.08;margin-bottom:22px}
.hero h1 em{color:var(--gold);font-style:normal}
.hero-desc{color:rgba(255,255,255,.62);font-size:17px;line-height:1.72;margin-bottom:36px;max-width:480px}
.hero-stats{display:flex;gap:44px}
.stat-num{font-family:'Playfair Display',serif;font-size:34px;font-weight:700;color:var(--gold);display:block;line-height:1}
.stat-lbl{font-size:12px;color:rgba(255,255,255,.45);margin-top:4px;letter-spacing:.04em}
.hero-card{background:var(--white);border-radius:10px;padding:32px;box-shadow:0 24px 72px rgba(0,0,0,.45);position:relative;z-index:1}
.hc-title{font-family:'Playfair Display',serif;font-size:21px;margin-bottom:5px}
.hc-sub{color:var(--muted);font-size:13px;margin-bottom:24px}

/* ── CAT HERO ── */
.cat-hero{padding:32px 48px;border-bottom:1px solid var(--border)}
.cat-hero-inner{max-width:1240px;margin:0 auto;display:flex;align-items:center;gap:20px}
.chi-icon{font-size:44px}
.chi-text h1{font-size:34px;margin-bottom:6px}
.chi-text p{color:var(--muted);font-size:15px;max-width:600px}

/* ── FOOTER ── */
.site-footer{background:var(--ink);color:rgba(255,255,255,.6);padding:52px 48px 28px;padding-bottom:max(28px,env(safe-area-inset-bottom))}
.footer-grid{display:grid;grid-template-columns:2.2fr 1fr 1fr 1fr;gap:48px;margin-bottom:44px}
.footer-logo{display:inline-block;line-height:0;margin-bottom:14px;text-decoration:none}
.footer-logo .lockup-svg{height:38px;width:auto;display:block}
.footer-brand p{font-size:13px;line-height:1.7;max-width:280px}
.gdpr-badges{display:flex;gap:8px;flex-wrap:wrap;margin-top:18px}
.gdpr-badge{font-size:9px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;border:1px solid rgba(255,255,255,.18);padding:4px 10px;border-radius:2px;color:rgba(255,255,255,.45)}
.footer-col h4{color:#fff;font-size:11px;text-transform:uppercase;letter-spacing:.12em;font-weight:700;font-family:'DM Sans',sans-serif;margin-bottom:16px}
.footer-col ul{list-style:none}
.footer-col li{margin-bottom:9px}
.footer-col a{color:rgba(255,255,255,.52);text-decoration:none;font-size:13px;transition:color var(--ease)}
.footer-col a:hover{color:var(--gold)}
.footer-bottom{border-top:1px solid rgba(255,255,255,.08);padding-top:22px;display:flex;justify-content:space-between;align-items:flex-start;flex-wrap:wrap;gap:14px}
.footer-disc{font-size:11.5px;line-height:1.65;max-width:700px;opacity:.6}
.footer-links{display:flex;gap:20px;flex-wrap:wrap}
.footer-links a{color:rgba(255,255,255,.35);font-size:11.5px;text-decoration:none;transition:color var(--ease)}
.footer-links a:hover{color:var(--gold)}

/* ── UTILITY ── */
.hidden{display:none!important}
.mt-24{margin-top:24px}
.mb-24{margin-bottom:24px}
.mb-32{margin-bottom:32px}

/* ── RESPONSIVE ── */
@media(max-width:1100px){
  .hero{grid-template-columns:1fr}
  .hero-card{max-width:540px}
  .two-col{grid-template-columns:1fr}
  .sidebar-col{position:static}
  .footer-grid{grid-template-columns:1fr 1fr;gap:32px}
  .ad-sidebar-lg{height:250px}
}
@media(max-width:768px){
  /* Prevent iOS Safari auto-zoom on input focus (any input <16px triggers zoom) */
  input[type=number],input[type=text],input[type=date],input[type=email],input[type=tel],input[type=search],input[type=password],select,textarea{font-size:16px!important}
  .topbar{display:none}
  .site-header{padding:0 16px;gap:12px;padding-top:env(safe-area-inset-top)}
  .site-nav{display:none}
  .nav-toggle{display:flex;padding:8px;min-width:44px;min-height:44px;align-items:center;justify-content:center}
  .header-search input{width:120px}
  .calc-btn,.btn-primary,.btn-accept,.news-btn{min-height:44px}
  .mob-nav a{min-height:44px;display:flex;align-items:center}
  .hero{padding:40px 16px}
  .hero h1{font-size:36px}
  .hero-desc{font-size:15px}
  .hero-stats{gap:28px;flex-wrap:wrap}
  .hero-card{padding:24px}
  .site-wrap{padding:24px 16px 48px}
  .popular-strip{padding:10px 16px}
  .site-footer{padding:36px 16px 16px}
  .footer-grid{grid-template-columns:1fr;gap:24px}
  .footer-brand p{max-width:100%}
  .fg2,.fg3{grid-template-columns:1fr}
  .calc-grid{grid-template-columns:1fr}
  .cat-hero{padding:20px 16px}
  .chi-text h1{font-size:26px}
  .content-block{padding:20px 16px}
  .content-block h2{font-size:20px}
  .sec-head h2{font-size:22px}
  .cw-header{padding:18px 16px 0}
  .cw-header h1{font-size:22px}
  .cw-header h2{font-size:20px}
  .cw-body{padding:18px 16px}
  .comp-table{font-size:12px;min-width:480px}
  .comp-table td{padding:10px 12px}
  .comp-table th{padding:10px 12px}
  .ad-leaderboard{width:100%;max-width:100%}
  .ad-rectangle{width:100%;height:auto;min-height:100px}
  .ad-sidebar-med{width:100%;height:150px}
  .ad-sidebar-lg{width:100%;height:250px}
  .consent-banner{padding:16px 16px;gap:14px}
  .consent-text{min-width:100%}
  .btn-accept,.btn-manage{padding:10px 16px;font-size:12px}
  .res-grid{grid-template-columns:repeat(auto-fit,minmax(130px,1fr))}
  .res-value{font-size:clamp(13px,3.5vw,20px)}
  .modal-box{padding:24px 18px}
  .amort-table th,.amort-table td{padding:8px 10px;font-size:12px}
  .cat-hero-inner{flex-direction:column;align-items:flex-start;gap:10px}
  .footer-bottom{flex-direction:column;gap:10px}
  .footer-links{gap:12px}
}
@media(max-width:480px){
  .logo .lockup-svg{height:28px}
  .header-search{display:none}
  .hero h1{font-size:30px}
  .hero-stats{gap:20px}
  .stat-num{font-size:26px}
  .calc-grid{grid-template-columns:1fr}
  .res-grid{grid-template-columns:1fr 1fr}.res-value{font-size:clamp(13px,4.5vw,18px)}
  .page-tab{padding:10px 12px;font-size:13px}
  .site-wrap{padding:16px 12px 40px}
  .content-block{padding:16px 12px}
  .cw-body{padding:14px 12px}
  .cw-header{padding:14px 12px 0}
  .cw-tab{padding:8px 12px;font-size:12.5px}
  .footer-grid{gap:20px}
  .sec-head{flex-wrap:wrap}
  .sec-head h2{font-size:20px}
  .modal-box{padding:20px 14px}
  .modal-actions{flex-direction:column}
  .btn-primary,.btn-secondary{width:100%;text-align:center}
}

/* ── MOBILE NAV OVERLAY ── */
.mob-nav{display:none;position:fixed;inset:0;z-index:999;background:var(--white);flex-direction:column;padding:80px 28px 28px;overflow-y:auto}
.mob-nav.open{display:flex}
.mob-nav a{display:block;padding:14px 0;font-size:18px;font-weight:600;color:var(--ink);text-decoration:none;border-bottom:1px solid var(--border);font-family:'Playfair Display',serif}
.mob-nav a:hover{color:var(--sage)}
.mob-close{position:absolute;top:20px;right:20px;background:none;border:none;font-size:24px;cursor:pointer;color:var(--muted)}

/* ── CHART BAR (pure CSS) ── */
.bar-chart{display:flex;align-items:flex-end;gap:6px;height:160px;padding:0 0 0 4px}
.bar-col{display:flex;flex-direction:column;align-items:center;gap:4px;flex:1}
.bar{width:100%;border-radius:3px 3px 0 0;transition:height .4s cubic-bezier(.4,0,.2,1);min-height:4px}
.bar-label{font-size:10px;color:var(--muted);text-align:center}
.bar-val{font-size:10px;font-weight:600;color:var(--ink);text-align:center}
.pie-svg{width:160px;height:160px}

/* ── TOOLTIP ── */
.tooltip-wrap{position:relative;display:inline-block}
.tooltip-icon{display:inline-flex;align-items:center;justify-content:center;width:16px;height:16px;border-radius:50%;background:var(--muted-light);color:#fff;font-size:10px;font-weight:700;cursor:help;margin-left:5px;font-style:normal}
.tooltip-box{position:absolute;bottom:100%;left:50%;transform:translateX(-50%);background:var(--ink);color:#fff;font-size:12px;padding:8px 12px;border-radius:var(--r-sm);white-space:nowrap;pointer-events:none;opacity:0;transition:opacity .2s;z-index:50;margin-bottom:6px;font-family:'DM Sans',sans-serif;font-weight:400}
.tooltip-wrap:hover .tooltip-box{opacity:1}

/* ── CLS: reserve space for JS-injected header/topbar mounts ── */
#topbarMount{min-height:30px}
#headerMount{min-height:70px}
@media(max-width:768px){#topbarMount{min-height:0}}

/* ── PRINT ── */
@media print{.consent-banner,.topbar,.site-header,.popular-strip,.site-footer,.ad-slot,.ad-wrap,.sidebar-col,.comp-cta{display:none!important}.site-wrap{padding:0}.calc-widget{box-shadow:none;border:1px solid #ccc}}