:root{--blue:#1d4ed8;--blue-dark:#1e3a8a;--blue-deep:#172554;--blue-light:#eff6ff;--blue-mid:#dbeafe;--orange:#f97316;--orange-dark:#ea580c;--ink:#111827;--gray:#4b5563;--gray-light:#9ca3af;--line:#e5e7eb;--white:#fff;--radius:14px;--shadow:0 4px 18px rgba(23,37,84,.08);--shadow-lg:0 10px 32px rgba(23,37,84,.13)}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--white);line-height:1.7;font-size:16.5px}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
a:focus-visible,button:focus-visible{outline:3px solid var(--orange);outline-offset:2px}
h1,h2,h3{text-wrap:balance;line-height:1.28;color:var(--blue-deep)}
h1{font-size:2.3rem}h2{font-size:1.7rem;margin:2.2rem 0 .9rem}h3{font-size:1.25rem;margin:1.6rem 0 .6rem}
p{margin:0 0 1.05rem}
ul,ol{margin:0 0 1.05rem 1.4rem}
li{margin-bottom:.4rem}
.skip-link{position:absolute;left:-9999px;top:0;background:var(--blue-deep);color:#fff;padding:10px 18px;z-index:2147483001;border-radius:0 0 8px 0}
.skip-link:focus{left:0}
.container{max-width:1180px;margin:0 auto;padding:0 22px}
/* NAV */
.site-nav{position:sticky;top:0;z-index:2147483000;isolation:isolate;background:var(--white);border-bottom:1px solid var(--line);box-shadow:0 2px 10px rgba(23,37,84,.06)}
.nav-inner{display:flex;align-items:center;gap:6px;min-height:66px;max-width:1180px;margin:0 auto;padding:0 22px}
.brand{display:flex;align-items:center;gap:9px;font-weight:800;font-size:1.18rem;color:var(--blue-deep);white-space:nowrap}
.brand img{width:30px;height:30px}
.brand:hover{text-decoration:none}
.brand .brand-orange{color:var(--orange)}
.nav-links{display:flex;align-items:center;gap:2px;list-style:none;margin:0 0 0 18px;padding:0}
.nav-links>li{position:relative}
.nav-links a,.nav-links button.drop-toggle{display:block;padding:10px 13px;color:var(--ink);font-weight:600;font-size:.94rem;background:none;border:none;cursor:pointer;font-family:inherit;border-radius:8px}
.nav-links a:hover,.nav-links button.drop-toggle:hover{background:var(--blue-light);text-decoration:none;color:var(--blue)}
.dropdown{position:absolute;top:100%;left:0;background:var(--white);border:1px solid var(--line);border-radius:10px;box-shadow:var(--shadow-lg);min-width:238px;padding:8px;display:none;z-index:60}
.nav-links li:hover>.dropdown,.nav-links li:focus-within>.dropdown,.dropdown.open{display:block}
.dropdown a{padding:9px 13px;font-weight:500;border-radius:7px}
.nav-spacer{flex:1 1 auto;min-width:34px}
.btn-apply{background:var(--orange);color:#fff!important;font-weight:700;padding:11px 26px!important;border-radius:10px;box-shadow:0 3px 10px rgba(234,88,12,.3)}
.btn-apply:hover{background:var(--orange-dark)!important;text-decoration:none!important}
.nav-burger{display:none;background:none;border:none;font-size:1.7rem;cursor:pointer;color:var(--blue-deep);padding:6px 10px}
/* HERO — Layout B split half-screen */
.hero-split{display:grid;grid-template-columns:1fr 1fr;min-height:520px;background:var(--white)}
.hero-text{display:flex;flex-direction:column;justify-content:center;align-items:center;padding:56px 40px}.hero-text>*{width:100%;max-width:540px}
.hero-text .eyebrow{color:var(--orange-dark);font-weight:700;text-transform:uppercase;letter-spacing:.09em;font-size:.8rem;margin-bottom:12px}
.hero-text h1{margin-bottom:16px}
.hero-text .hero-sub{font-size:1.12rem;color:var(--gray);margin-bottom:26px;max-width:560px}
.hero-ctas{display:flex;gap:14px;flex-wrap:wrap}
.btn-primary{display:inline-block;background:var(--orange);color:#fff;font-weight:700;padding:14px 32px;border-radius:11px;font-size:1.03rem;box-shadow:0 4px 14px rgba(234,88,12,.32)}
.btn-primary:hover{background:var(--orange-dark);text-decoration:none}
.btn-secondary{display:inline-block;background:var(--blue-light);color:var(--blue-dark);font-weight:700;padding:14px 32px;border-radius:11px;font-size:1.03rem;border:1.5px solid var(--blue-mid)}
.btn-secondary:hover{background:var(--blue-mid);text-decoration:none}
.hero-badges{display:flex;gap:20px;margin-top:28px;flex-wrap:wrap}
.hero-badges span{font-size:.87rem;color:var(--gray);font-weight:600}
.hero-badges b{color:var(--blue-dark)}
.hero-media{position:relative;overflow:hidden}
.hero-media img{width:100%;height:100%;object-fit:cover;position:absolute;inset:0}
/* FORM CARD */
.form-section{background:linear-gradient(180deg,var(--blue-light),#fff);padding:52px 0 62px}
.form-card{position:relative;z-index:1;isolation:isolate;max-width:1020px;margin:0 auto;background:var(--white);border-radius:16px;box-shadow:0 8px 28px rgba(23,37,84,.14);padding:34px 30px 26px;border-top:5px solid transparent;background-image:linear-gradient(#fff,#fff),linear-gradient(90deg,var(--blue),var(--orange));background-origin:border-box;background-clip:padding-box,border-box}
.form-card h2{margin:0 0 6px;font-size:1.45rem;text-align:center}
.form-card .trust-line{text-align:center;color:var(--gray);font-size:.94rem;margin-bottom:18px}
/* BREADCRUMB */
.breadcrumb{padding:14px 0;font-size:.87rem;color:var(--gray)}
.breadcrumb ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;margin:0;padding:0}
.breadcrumb li+li::before{content:"›";margin-right:6px;color:var(--gray-light)}
/* LAYOUT */
.page-layout{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:44px;padding:34px 0 56px}
.article-body>p:first-of-type{font-size:1.07rem}
.answer-lead{background:var(--blue-light);border-left:4px solid var(--blue);border-radius:0 10px 10px 0;padding:14px 18px;margin:0 0 1.2rem;font-weight:600;color:var(--blue-deep);text-wrap:balance}
.toc{background:#fff;border:1.5px solid var(--line);border-radius:var(--radius);padding:20px 24px;margin:0 0 1.6rem}
.toc h2{margin:0 0 10px;font-size:1.05rem}
.toc ol{margin:0 0 0 1.2rem;columns:2;column-gap:30px}
.toc a{font-size:.93rem}
.body-img{width:min(430px,100%);margin:1.6rem auto;border-radius:var(--radius);box-shadow:var(--shadow-lg)}
figure.body-fig{margin:1.6rem auto;width:min(430px,100%)}
figure.body-fig img{width:100%;border-radius:var(--radius);box-shadow:var(--shadow-lg)}
figure.body-fig figcaption{font-size:.83rem;color:var(--gray);text-align:center;margin-top:8px}
table{width:100%;border-collapse:collapse;margin:1.3rem 0;font-size:.94rem;background:#fff}
th,td{border:1px solid var(--line);padding:10px 13px;text-align:left;vertical-align:top}
th{background:var(--blue-light);color:var(--blue-deep);font-weight:700}
tr:nth-child(even) td{background:#fafbfd}
/* SIDEBAR */
.sidebar{display:flex;flex-direction:column;gap:16px}
.side-box{background:#fff;border:1.5px solid var(--line);border-radius:var(--radius);padding:19px 21px}
.side-box h3{margin:0 0 9px;font-size:1rem;color:var(--blue-deep)}
.side-box ul{list-style:none;margin:0;padding:0}
.side-box li{margin:0 0 7px;font-size:.92rem}
.side-box p{font-size:.92rem;margin:0 0 8px;color:var(--gray)}
.side-box .side-cta{display:block;text-align:center;background:var(--orange);color:#fff;font-weight:700;padding:11px;border-radius:9px;margin-top:6px}
.side-box .side-cta:hover{background:var(--orange-dark);text-decoration:none}
.side-box.accent{background:linear-gradient(160deg,var(--blue-deep),var(--blue-dark));border:none;color:#fff}
.side-box.accent h3,.side-box.accent p{color:#fff}
.side-stat{font-size:1.55rem;font-weight:800;color:var(--orange)}
/* CARDS */
.card-grid{display:grid;gap:22px;margin:1.5rem 0}
.cols-2{grid-template-columns:repeat(2,1fr)}
.cols-3{grid-template-columns:repeat(3,1fr)}
.cols-4{grid-template-columns:repeat(4,1fr)}
.cols-5{grid-template-columns:repeat(5,1fr)}
.card{background:#fff;border:1.5px solid var(--line);border-radius:var(--radius);overflow:hidden;transition:box-shadow .18s,transform .18s;display:flex;flex-direction:column}
.card:hover{box-shadow:var(--shadow-lg);transform:translateY(-3px)}
.card img{width:100%;aspect-ratio:3/2;object-fit:cover}
.card .card-body{padding:17px 19px 19px;display:flex;flex-direction:column;flex:1}
.card h3{margin:0 0 7px;font-size:1.06rem}
.card h3 a{color:var(--blue-deep)}
.card p{font-size:.9rem;color:var(--gray);margin:0 0 10px;flex:1}
.card .card-link{font-weight:700;font-size:.9rem;color:var(--orange-dark)}
.amount-card{background:#fff;border:2px solid var(--blue-mid);border-radius:var(--radius);padding:24px 20px;text-align:center;transition:border-color .18s,box-shadow .18s}
.amount-card:hover{border-color:var(--orange);box-shadow:var(--shadow-lg)}
.amount-card .amt{font-size:1.85rem;font-weight:800;color:var(--blue)}
.amount-card p{font-size:.87rem;color:var(--gray);margin:6px 0 12px}
.amount-card a.go{font-weight:700;color:var(--orange-dark);font-size:.92rem}
.term-card{background:var(--blue-light);border-radius:var(--radius);padding:22px 20px;text-align:center;border:1.5px solid var(--blue-mid)}
.term-card .months{font-size:1.5rem;font-weight:800;color:var(--blue-deep)}
.term-card .pay{font-size:1.28rem;font-weight:700;color:var(--orange-dark);margin:6px 0 2px}
.term-card p{font-size:.83rem;color:var(--gray);margin:0}
/* FAQ */
.mini-faq details{border:1.5px solid var(--line);border-radius:10px;margin-bottom:10px;background:#fff}
.mini-faq summary{padding:14px 18px;font-weight:700;cursor:pointer;color:var(--blue-deep)}
.mini-faq details[open] summary{border-bottom:1px solid var(--line)}
.mini-faq .faq-a{padding:13px 18px}
/* CTA ZONE */
.cta-zone{background:linear-gradient(120deg,var(--blue-deep),var(--blue-dark));color:#fff;padding:52px 0;text-align:center}
.cta-zone h2{color:#fff;margin:0 0 10px}
.cta-zone p{color:var(--blue-mid);max-width:640px;margin:0 auto 24px}
/* FOOTER */
footer{background:#0d1526;color:#cbd5e1;padding:52px 0 26px;font-size:.9rem}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:36px;margin-bottom:34px}
footer h4{color:#fff;font-size:.98rem;margin:0 0 13px}
footer ul{list-style:none;margin:0;padding:0}
footer li{margin-bottom:8px}
footer a{color:#cbd5e1}
footer a:hover{color:var(--orange)}
.footer-disclosure{border-top:1px solid #1e293b;padding-top:22px;font-size:.8rem;color:#94a3b8;line-height:1.65}
.footer-nap{margin:10px 0;color:#cbd5e1}
.footer-copy{margin-top:14px;color:#64748b}
/* SCROLL TOP */
#scrollTop{position:fixed;bottom:26px;right:26px;width:48px;height:48px;border-radius:50%;background:var(--orange);color:#fff;border:none;font-size:1.3rem;cursor:pointer;display:none;box-shadow:0 4px 14px rgba(0,0,0,.25);z-index:900}
#scrollTop:hover{background:var(--orange-dark)}
/* REVIEWS */
.review-card{background:#fff;border:1.5px solid var(--line);border-radius:var(--radius);padding:20px 22px}
.review-card .stars{color:var(--orange);font-size:1rem;letter-spacing:2px}
.review-card .who{font-weight:700;color:var(--blue-deep);font-size:.92rem;margin-top:8px}
.review-card p{font-size:.92rem;color:var(--gray);margin:8px 0 0}
/* AUTHOR */
.author-box{display:flex;gap:16px;background:var(--blue-light);border-radius:var(--radius);padding:20px 22px;margin:1.8rem 0;align-items:flex-start}
.author-box .avatar{width:52px;height:52px;border-radius:50%;background:linear-gradient(135deg,var(--blue),var(--orange));color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:1.15rem;flex-shrink:0}
.author-box .a-name{font-weight:800;color:var(--blue-deep)}
.author-box .a-role{font-size:.85rem;color:var(--orange-dark);font-weight:600;margin-bottom:4px}
.author-box p{font-size:.88rem;margin:0;color:var(--gray)}
.share-row{display:flex;gap:10px;margin:1.4rem 0;flex-wrap:wrap}
.share-row a{background:var(--blue-light);border:1.5px solid var(--blue-mid);color:var(--blue-dark);font-weight:600;font-size:.85rem;padding:8px 16px;border-radius:8px}
.share-row a:hover{background:var(--blue-mid);text-decoration:none}
/* CALCULATOR */
.calc-widget{background:#fff;border:2px solid var(--blue-mid);border-radius:16px;padding:30px 28px;box-shadow:var(--shadow);margin:1.4rem 0}
.calc-row{margin-bottom:20px}
.calc-row label{display:block;font-weight:700;color:var(--blue-deep);margin-bottom:8px;font-size:.95rem}
.calc-row input[type=range]{width:100%;accent-color:var(--orange)}
.calc-row select{width:100%;padding:11px 13px;border:1.5px solid var(--line);border-radius:9px;font-size:1rem;font-family:inherit}
.calc-val{font-weight:800;color:var(--orange-dark);font-size:1.15rem}
.calc-result{background:var(--blue-light);border-radius:12px;padding:22px;text-align:center;margin-top:8px}
.calc-result .big{font-size:2.1rem;font-weight:800;color:var(--blue-deep)}
.calc-result p{font-size:.83rem;color:var(--gray);margin:8px 0 0}
/* GLOSSARY */
.gloss-term{border-bottom:1px solid var(--line);padding:16px 0}
.gloss-term h3{margin:0 0 6px}
.gloss-nav{display:flex;flex-wrap:wrap;gap:8px;margin:1rem 0 1.6rem}
.gloss-nav a{background:var(--blue-light);border-radius:7px;padding:5px 11px;font-weight:700;font-size:.88rem}
/* MISC */
.check-list{list-style:none;margin:0 0 1.05rem;padding:0}
.check-list li{padding-left:28px;position:relative;margin-bottom:9px}
.check-list li::before{content:"✓";position:absolute;left:0;color:var(--orange);font-weight:800}
.notice{background:#fff7ed;border:1.5px solid #fed7aa;border-radius:10px;padding:14px 18px;font-size:.9rem;margin:1.2rem 0}
.related-row{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin:1.6rem 0}
/* RESPONSIVE */
@media(max-width:1024px){
.page-layout{grid-template-columns:1fr}
.footer-grid{grid-template-columns:1fr 1fr}
.cols-4{grid-template-columns:repeat(2,1fr)}
.toc ol{columns:1}
}
@media(max-width:1000px){
.cols-3,.cols-5{grid-template-columns:1fr}
}
@media(max-width:860px){
.nav-burger{display:block;margin-left:auto}
.nav-links{display:none;position:absolute;top:66px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:12px 18px 20px;border-bottom:1px solid var(--line);box-shadow:var(--shadow-lg);margin:0;gap:0}
.nav-links.open{display:flex}
.nav-spacer{display:none}
.dropdown{position:static;display:none;box-shadow:none;border:none;padding-left:16px;min-width:0}
.dropdown.open{display:block}
.nav-links li:hover>.dropdown{display:none}
.nav-links li:hover>.dropdown.open,.nav-links li:focus-within>.dropdown.open{display:block}
.btn-apply{text-align:center;margin-top:8px}
.hero-split{grid-template-columns:1fr;min-height:0}
.hero-media{min-height:340px;position:relative;order:-1}
.hero-text{padding:36px 22px 44px}
h1{font-size:1.75rem}h2{font-size:1.4rem}
}
@media(max-width:640px){
.cols-2,.cols-4{grid-template-columns:1fr}
.footer-grid{grid-template-columns:1fr}
.related-row{grid-template-columns:1fr}
.form-card{padding:26px 16px 20px;border-radius:12px}
body{font-size:16px}
}

/* responsive tables: scroll inside, never push page width */
@media(max-width:820px){table{display:block;overflow-x:auto;-webkit-overflow-scrolling:touch;max-width:100%}table thead,table tbody,table tr{width:max-content;min-width:100%}}
/* grid children must be allowed to shrink so inner tables can scroll */
.page-layout>*,.article-body,.sidebar{min-width:0;max-width:100%}
.article-body table{display:block;overflow-x:auto;-webkit-overflow-scrolling:touch}
/* fix: .nav-links a (0,1,1) was beating .btn-apply (0,1,0) — button rendered invisible */
.nav-links a.btn-apply{background:var(--orange)!important;color:#fff!important}
.nav-links a.btn-apply:hover{background:var(--orange-dark)!important}
.card-img-portrait{aspect-ratio:3/4;object-fit:cover}
/* WCAG AA: white text needs >=4.5 — #f97316 gives 2.8, #c2410c gives ~4.6 */
.btn-apply,.nav-links a.btn-apply,.btn-primary{background:#c2410c!important}
.btn-apply:hover,.nav-links a.btn-apply:hover,.btn-primary:hover{background:#9a3412!important}
/* touch targets >=44px in mobile menu */
@media(max-width:960px){.nav-links a,.nav-links button.drop-toggle{min-height:44px;display:flex;align-items:center}}