.skip-to-content{position:absolute;top:-100%;left:0;background:var(--accent);color:#fff;padding:.75rem 1.5rem;z-index:10000;font-weight:600;text-decoration:none;border-radius:0 0 var(--radius-sm) 0}
.skip-to-content:focus{top:0}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
h1,h2,h3,h4{scroll-margin-top:4rem}
:root{
  --font-family:'Inter',system-ui,sans-serif;
  --bg:#F8FAFC;--surface:#FFFFFF;--card:#FFFFFF;
  --text:#1E293B;--text-secondary:#475569;--text-muted:#64748B;
  --accent:#0F766E;--accent-bg:#F3F8F8;--accent-hover:#0D6861;--accent-dark:#0B554F;--accent-light:#579F9A;--accent-border:#B7D6D4;--cta:#0F766E;--cta-hover:#0D6861;--on-accent:#FFFFFF;
  --border:#E2E8F0;
  --shadow:0 1px 3px rgba(0,0,0,0.1);--shadow-lg:0 10px 25px rgba(0,0,0,0.1);
  --radius:12px;--radius-sm:8px;
  --success:#16A34A;--warning:#D97706;--error:#DC2626;
  --font-body:'Inter',system-ui,-apple-system,sans-serif;
  --font-mono:'JetBrains Mono',monospace;
}
/* light-v1 */
@media (prefers-color-scheme: light) {
 :root { --bg: #ffffff; --surface: #ffffff; --on-accent: #ffffff; }
 .stat b, .stats > span > b, .stats > span.b > b { color: var(--ink); }
 .status b, .status > b { color: var(--ink); }
}

[data-theme="dark"]{
  --bg:#0B1120;--surface:#131C2B;--card:#182030;
  --text:#E2E8F0;--text-secondary:#CBD5E1;--text-muted:#94A3B8;
  --accent:#2DD4BF;--accent-bg:rgba(45,212,191,0.1);--accent-hover:#46D9C7;--accent-dark:#1F9486;--accent-light:#57DDCC;--accent-border:rgba(45,212,191,0.25);--cta:#2DD4BF;--cta-hover:#46D9C7;--on-accent:#0B0F17;
  --border:#1F2D3D;
  --shadow:0 1px 3px rgba(0,0,0,0.5);--shadow-lg:0 10px 25px rgba(0,0,0,0.6);
  --success:#34D399;--warning:#FBBF24;--error:#F87171;
}
/* Dark mode: override hardcoded inline colors so they respond to theme */
[data-theme="dark"] [style*="color:#1e293b"]{color:var(--text)!important}
[data-theme="dark"] [style*="color:#475569"]{color:var(--text-secondary)!important}
[data-theme="dark"] [style*="color:#64748b"]{color:var(--text-muted)!important}
[data-theme="dark"] [style*="color:#94a3b8"]{color:var(--text-muted)!important}
[data-theme="dark"] [style*="color:#374151"]{color:var(--text)!important}
[data-theme="dark"] [style*="color:#000"]{color:var(--text)!important}
[data-theme="dark"] [style*="color:var(--text)"]{color:var(--text)!important}
[data-theme="dark"] [style*="background:#fff"]{background:var(--card)!important}
[data-theme="dark"] [style*="background:#ffffff"]{background:var(--card)!important}
[data-theme="dark"] [style*="background:#f8fafc"]{background:var(--surface)!important}
[data-theme="dark"] [style*="background:var(--surface)"]{background:var(--surface)!important}
[data-theme="dark"] [style*="background:var(--card)"]{background:var(--card)!important}
[data-theme="dark"] [style*="border:1px solid var(--border)"]{border-color:var(--border)!important}
[data-theme="dark"] [style*="border:1px solid"]{border-color:var(--border)!important}
[data-theme="dark"] [style*="background:linear-gradient"]{background:var(--card)!important}
/* Dark mode: override canonical stat card embedded styles */
[data-theme="dark"] .stat-card{background:var(--card)!important;border-color:var(--border)!important}
[data-theme="dark"] .stat-card *{color:inherit!important}
[data-theme="dark"] .stat-card .sc-value{color:var(--accent)!important}
[data-theme="dark"] .stat-card .sc-label{color:var(--text-muted)!important}
[data-theme="dark"] .stat-card-grid{color:var(--text)}
/* Dark mode: force any stat-card value to use accent color */
[data-theme="dark"] .stat-card [style*="color:#2563eb"]{color:var(--accent)!important}
[data-theme="dark"] .stat-card [style*="color:#059669"]{color:var(--success)!important}
[data-theme="dark"] .stat-card [style*="color:#8b5cf6"]{color:var(--accent)!important}
[data-theme="dark"] .stat-card [style*="color:#ef4444"]{color:var(--error)!important}
[data-theme="dark"] .stat-card{background:var(--card)!important;border-color:var(--border)!important;box-shadow:var(--shadow)!important}
/* Dark mode: override any element with hardcoded background/text */
[data-theme="dark"] [style*="background:linear-gradient(135deg,#f8fafc"]{background:var(--card)!important}
[data-theme="dark"] [style*="background:linear-gradient(135deg, #f8fafc"]{background:var(--card)!important}
[data-theme="dark"] [style*="background-color:#fff"]{background-color:var(--card)!important}
[data-theme="dark"] [style*="background-color:#ffffff"]{background-color:var(--card)!important}
[data-theme="dark"] [style*="background-color:#f8fafc"]{background-color:var(--surface)!important}
[data-theme="dark"] [style*="box-shadow:0"]{box-shadow:var(--shadow)!important}
/* Dark mode: force readability */
[data-theme="dark"] a,[data-theme="dark"] a *{color:var(--accent)!important}
[data-theme="dark"] h1,[data-theme="dark"] h2,[data-theme="dark"] h3,[data-theme="dark"] h4{color:var(--text)!important}
[data-theme="dark"] p,[data-theme="dark"] li,[data-theme="dark"] td,[data-theme="dark"] th{color:var(--text-secondary)!important}
[data-theme="dark"] p strong,[data-theme="dark"] li strong{color:var(--text)!important}
[data-theme="dark"] input,[data-theme="dark"] select,[data-theme="dark"] textarea{background:var(--bg)!important;color:var(--text)!important;border-color:var(--border)!important}
[data-theme="dark"] input:focus,[data-theme="dark"] select:focus,[data-theme="dark"] textarea:focus{border-color:var(--accent)!important;box-shadow:0 0 0 2px var(--accent-bg)!important}
[data-theme="dark"] .sidebar{background:var(--surface)!important;border-right:1px solid var(--border)!important}
[data-theme="dark"] .sidebar a{color:var(--text-secondary)!important;padding:.35rem .5rem;border-radius:var(--radius-sm);display:block;text-decoration:none;transition:all .15s}
[data-theme="dark"] .sidebar a:hover{background:var(--accent-bg)!important;color:var(--accent)!important}
[data-theme="dark"] .sidebar a.active,.sidebar a[aria-current="page"]{background:var(--accent-bg)!important;color:var(--accent)!important;font-weight:600}
[data-theme="dark"] .glass{background:var(--surface)!important;border-bottom-color:var(--border)!important}
[data-theme="dark"] .cookie-banner,[data-theme="dark"] [class*="cookie"]{background:var(--card)!important;border-color:var(--border)!important}
[data-theme="dark"] [style*="background:#1e293b"]{background:var(--card)!important}
[data-theme="dark"] [style*="background:#0f172a"]{background:var(--bg)!important}
[data-theme="dark"] .tradingview-widget-container{background:var(--card)!important;border-radius:var(--radius);overflow:hidden}
[data-theme="dark"] .tradingview-widget-container iframe{background:var(--card)!important}
[data-theme="dark"] .glass{background:var(--surface)!important;border-bottom-color:var(--border)!important}
[data-theme="dark"] nav.glass{background:var(--surface)!important}
[data-theme="dark"] .cookie-banner,[data-theme="dark"] [class*="cookie"]{background:var(--card)!important;border-color:var(--border)!important}
[data-theme="dark"] [style*="background:#1e293b"]{background:var(--card)!important}
[data-theme="dark"] [style*="background:#0f172a"]{background:var(--bg)!important}

*,*::before,*::after{box-sizing:border-box}
body{margin:0;padding:0;font-family:var(--font-body);background:var(--bg);color:var(--text);line-height:1.6;-webkit-font-smoothing:antialiased}
a:focus-visible{outline:2px solid var(--accent);outline-offset:2px;border-radius:4px}
code,pre,.mono{font-family:var(--font-mono)}

@keyframes fadeInUp{from{opacity:0;transform:translateY(16px)}to{opacity:1;transform:translateY(0)}}
@keyframes fadeIn{from{opacity:0}to{opacity:1}}
@keyframes shimmer{0%{background-position:-200% 0}100%{background-position:200% 0}}
@keyframes pulse-glow{0%,100%{box-shadow:0 0 0 0 var(--accent-bg)}50%{box-shadow:0 0 20px 4px var(--accent-bg)}}
.animate-in{animation:fadeInUp .5s ease-out both}
.animate-in-delay-1{animation:fadeInUp .5s ease-out .1s both}
.animate-in-delay-2{animation:fadeInUp .5s ease-out .2s both}
.animate-in-delay-3{animation:fadeInUp .5s ease-out .3s both}

/* ─── Nav ─── */
.glass{background:var(--surface);backdrop-filter:blur(16px);-webkit-backdrop-filter:blur(16px);border-bottom:1px solid var(--border);position:sticky;top:0;z-index:100;box-shadow:var(--shadow-sm)}
.nav-toggle{display:none;background:none;border:none;cursor:pointer;color:var(--text);padding:.25rem}
@media(max-width:768px){
  .nav-toggle{display:flex;align-items:center;justify-content:center}
  #nav-links{display:none!important;position:absolute;top:100%;left:0;right:0;background:var(--surface);border-bottom:1px solid var(--border);padding:.75rem 1.5rem;flex-direction:column;gap:.25rem;z-index:200;box-shadow:var(--shadow)}
  #nav-links.open{display:flex!important}
  .nav-right{position:relative;z-index:201}
  .mega-link{pointer-events:auto;padding:.6rem .75rem}
  .mega-group:hover .mega-dropdown{display:block;position:static;box-shadow:none;border:none;padding:0 0 0 1rem}
  .mega-item{padding:.4rem .75rem;font-size:.85rem}
}
.mega-group{position:relative}
.mega-group:hover .mega-dropdown{display:block}
.mega-link{color:var(--text-secondary);text-decoration:none;font-weight:500;font-size:.875rem;padding:.5rem .75rem;display:block;transition:color .15s}
.mega-link:hover{color:var(--text)}
.mega-dropdown{display:none;position:absolute;top:100%;left:0;background:var(--card);border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow-lg);padding:.75rem;min-width:280px;z-index:200}
.mega-item{display:flex;align-items:center;gap:.5rem;padding:.5rem .75rem;border-radius:var(--radius-sm);text-decoration:none;color:var(--text);font-size:.875rem;transition:background .1s}
.mega-item:hover{background:var(--accent-bg)}
.nav-search{width:200px;padding:.45rem .75rem;border:1px solid var(--border);border-radius:var(--radius-sm);font-size:.85rem;background:var(--card);color:var(--text);transition:border-color .2s,width .2s}
.nav-search:focus{width:260px;border-color:var(--accent);outline:none}
.search-results{display:none;position:absolute;top:100%;right:0;background:var(--card);border:1px solid var(--border);border-radius:var(--radius-sm);box-shadow:var(--shadow-lg);width:300px;max-height:360px;overflow-y:auto;z-index:300;margin-top:4px}
.search-item{display:flex;align-items:center;gap:.5rem;padding:.5rem .75rem;text-decoration:none;color:var(--text);border-bottom:1px solid var(--border);font-size:.85rem;transition:background .1s}
.search-item:hover{background:var(--accent-bg)}
.theme-toggle{background:var(--card);border:1px solid var(--border);border-radius:50%;width:36px;height:36px;display:flex;align-items:center;justify-content:center;cursor:pointer;color:var(--text-secondary);transition:all .2s}
.theme-toggle:hover{color:var(--accent);border-color:var(--accent);background:var(--accent-bg)}
[data-theme="dark"] .icon-sun{display:inline}
[data-theme="dark"] .icon-moon{display:none}
:not([data-theme="dark"]) .icon-sun{display:none}
:not([data-theme="dark"]) .icon-moon{display:inline}

/* ─── Hero ─── */
.hero-section{color:var(--text);padding:.75rem 2rem .5rem;text-align:center;position:relative;overflow:hidden;background:var(--surface);border-bottom:none}
.hero-section::before{content:'';position:absolute;inset:0;background:url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%230D9488' fill-opacity='0.035'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E")}
.hero-section::after{content:'';position:absolute;top:0;left:0;right:0;height:2px;background:linear-gradient(90deg,var(--border),var(--accent),var(--border))}
.hero-title{font-size:clamp(1.5rem,3vw,2rem);font-weight:800;line-height:1.15;margin:0;color:var(--text);max-width:700px;margin-left:auto;margin-right:auto}
.hero-sub{font-size:.8rem;color:var(--text-secondary);margin-top:.15rem;max-width:500px;line-height:1.3;margin-left:auto;margin-right:auto}
.hero-badge{display:inline-block;background:var(--accent-bg);border:1px solid var(--accent-border);color:var(--accent);padding:.2rem .75rem;border-radius:999px;font-size:.7rem;font-weight:600;margin-bottom:.4rem}
[data-theme="dark"] .hero-section{background:var(--surface);border-bottom-color:var(--border)}

/* ─── Glass Cards ─── */
.glass-card{background:var(--card);backdrop-filter:blur(8px);border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow);transition:box-shadow .2s,transform .2s}
.glass-card:hover{box-shadow:var(--shadow-lg);transform:translateY(-2px)}

/* ─── Sections ─── */
.section-container{max-width:800px;margin:2rem auto;padding:0 1rem}
.section-title{font-size:1.4rem;font-weight:700;color:var(--text);text-align:center;margin-bottom:.75rem}
.section-subtitle{font-size:1.1rem;font-weight:700;color:var(--text);text-align:center;margin-bottom:.75rem}

/* ─── Content ─── */
.content-body{color:var(--text-secondary);line-height:1.8;font-size:.95rem}
.article-wrap{max-width:800px;margin:0 auto;padding:2rem 1.5rem}
.article-heading{font-size:1.75rem;font-weight:800;color:var(--text);line-height:1.2;margin-bottom:.5rem}
.article-meta{display:flex;align-items:center;gap:.75rem;margin-bottom:1.5rem;font-size:.85rem;color:var(--text-muted)}
.article-body{color:var(--text-secondary);line-height:1.8;font-size:1rem}

/* ─── FAQ ─── */
.faq-card{padding:1.25rem}
.faq-item{border-bottom:1px solid var(--border);padding:1rem 0}
.faq-item:last-child{border-bottom:none}
.faq-q{font-weight:600;color:var(--text);cursor:pointer;font-size:.95rem}
.faq-q::marker{color:var(--text-muted)}
.faq-a{color:var(--text-secondary);line-height:1.7;margin:.75rem 0 0;font-size:.9375rem}

/* ─── Takeaways ─── */
.takeaways-card{background:var(--accent-bg);border:1px solid var(--accent-border);padding:1.25rem;margin:1.5rem auto;max-width:800px}
.takeaways-title{font-size:1rem;font-weight:700;color:var(--accent);margin:0 0 .5rem}
.takeaways-list{list-style:none;padding:0;margin:0;color:var(--text);line-height:1.5}
.takeaway-item{margin-bottom:.4rem;display:flex;gap:.5rem}
.takeaway-bullet{color:var(--accent);font-weight:700}

/* ─── Tool / Article grids ─── */
.tool-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));gap:.75rem}
.tool-card{display:block;text-decoration:none;padding:1rem}
.tool-icon{font-size:1.25rem;margin-bottom:.375rem}
.tool-name{font-weight:600;color:var(--text);font-size:.9rem}
.tool-desc{color:var(--text-muted);font-size:.8rem;margin-top:.25rem}
.article-grid{display:grid;grid-template-columns:1fr 1fr;gap:.75rem}
.article-card{display:block;text-decoration:none;padding:1.25rem}
.article-title{font-weight:600;color:var(--text);font-size:.95rem;margin-bottom:.25rem}
.article-desc{color:var(--text-muted);font-size:.8rem;line-height:1.5}

/* ─── Testimonial ─── */
.testimonial-card{padding:1.25rem}
.testimonial-stars{margin-bottom:.5rem}
.star{color:var(--warning);font-size:1rem}
.testimonial-text{color:var(--text-secondary);line-height:1.6;font-size:.9rem;margin:0 0 .75rem}
.testimonial-author{display:flex;flex-direction:column;gap:.15rem}
.testimonial-name{font-weight:600;color:var(--text);font-size:.85rem}
.testimonial-role{color:var(--text-muted);font-size:.8rem}

/* ─── Forms ─── */

/* ─── Content Visibility (below-fold perf) ─── */
.explanation-section{content-visibility:auto;contain-intrinsic-size:0 800px}
.faq-section{content-visibility:auto;contain-intrinsic-size:0 600px}
.related-section{content-visibility:auto;contain-intrinsic-size:0 400px}
.ad-section{content-visibility:auto;contain-intrinsic-size:0 200px}

/* ─── Core Web Vitals: CLS Prevention (reserved dimensions) ─── */
.calculator-widget{min-height:400px}
.sidebar{min-height:600px}
.ad-slot{min-height:250px}
.floating-cta{position:fixed;bottom:1rem;right:1rem;z-index:100;will-change:transform}

/* ─── Core Web Vitals: INP Optimization (skeleton loaders) ─── */
.skeleton{background:linear-gradient(90deg,var(--surface) 25%,var(--border) 50%,var(--surface) 75%);background-size:200% 100%;animation:skeleton-pulse 1.5s ease-in-out infinite;border-radius:var(--radius-sm)}
@keyframes skeleton-pulse{0%{background-position:200% 0}100%{background-position:-200% 0}}
@keyframes fadeIn{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:translateY(0)}}
.calc-form-wrap{padding:1.5rem}
.form-group{margin-bottom:.75rem}
.form-label{display:block;font-weight:600;color:var(--text-secondary);margin-bottom:.25rem;font-size:.85rem}
.form-input{width:100%;padding:.65rem;border:1px solid var(--border);border-radius:var(--radius-sm);font-size:.95rem;background:var(--bg);color:var(--text);transition:border-color .2s,box-shadow .2s;font-family:var(--font-body);min-height:44px}
.form-input:focus{border-color:var(--accent);outline:none;box-shadow:0 0 0 3px var(--accent-bg)}
.form-submit{width:100%;background:var(--accent);color:#fff;padding:.75rem;border:none;border-radius:var(--radius-sm);font-weight:700;cursor:pointer;font-size:.95rem;font-family:var(--font-body);transition:background .2s,box-shadow .2s}
.form-submit:hover{background:var(--accent-dark);box-shadow:0 4px 12px rgba(0,0,0,.15)}
.calc-result{margin-top:1rem}

/* ─── Floating CTA ─── */
.floating-cta{position:fixed;bottom:2rem;z-index:9998;background:var(--accent);color:#fff;padding:.875rem 1.5rem;border-radius:999px;font-weight:700;text-decoration:none;box-shadow:0 4px 20px rgba(0,0,0,.2);transition:background .2s,box-shadow .2s}
.floating-cta:hover{background:var(--accent-dark);box-shadow:0 6px 24px rgba(0,0,0,.3)}
.floating-cta--right{right:2rem}
.floating-cta--left{left:2rem}

/* ─── Calculator Carousel ─── */
.carousel-wrap{margin:2rem auto;max-width:1100px;padding:0 1.5rem;overflow:hidden}
.carousel-scroll{display:flex;gap:1rem;overflow-x:auto;scroll-snap-type:x mandatory;-webkit-overflow-scrolling:touch;padding:1rem 0 .5rem;scrollbar-width:thin;scrollbar-color:var(--border) transparent;margin:0 -1.5rem;padding-left:1.5rem;padding-right:1.5rem}
.carousel-scroll::-webkit-scrollbar{height:6px}
.carousel-scroll::-webkit-scrollbar-track{background:transparent}
.carousel-scroll::-webkit-scrollbar-thumb{background:var(--border);border-radius:3px}
.carousel-card{flex:0 0 260px;scroll-snap-align:start;text-decoration:none;padding:1.25rem;display:flex;flex-direction:column;gap:.375rem}
.carousel-icon{font-size:1.5rem}
.carousel-title{font-weight:700;color:var(--text);font-size:.95rem}
.carousel-desc{color:var(--text-muted);font-size:.8rem;line-height:1.4;flex:1}
.carousel-cta{color:var(--accent);font-weight:600;font-size:.85rem;margin-top:.25rem}

/* ─── Footer ─── */
.site-footer{background:var(--surface);border-top:1px solid var(--border);color:var(--text-muted);padding:2.5rem 2rem;text-align:center;margin-top:3rem}
.footer-brand{font-weight:600;color:var(--text);margin-bottom:.5rem}
.footer-links{display:flex;justify-content:center;gap:1rem;flex-wrap:wrap;margin:.75rem 0}
.footer-link{color:var(--text-muted);text-decoration:none;font-size:.8rem;transition:color .2s}
.footer-link:hover{color:var(--accent)}
.footer-copy{font-size:.75rem;color:var(--text-muted);opacity:.7}

/* ─── Sidebar ─── */
.sidebar{position:fixed;top:52px;left:0;width:220px;height:calc(100vh - 52px);background:var(--surface);border-right:1px solid var(--border);padding:1rem .75rem;overflow-y:auto;z-index:50;transition:transform .3s}
.sidebar-brand{font-size:.9rem;font-weight:800;color:var(--accent);padding:.5rem .5rem;margin-bottom:.5rem}
.sidebar-group{margin-bottom:.5rem}
.sidebar-group-header{display:flex;align-items:center;justify-content:space-between;padding:.5rem;border-radius:var(--radius-sm);cursor:pointer;user-select:none;transition:background .15s;font-size:.7rem;font-weight:600;color:var(--text-muted);text-transform:uppercase;letter-spacing:.05em}
.sidebar-group-header:hover{background:var(--accent-bg)}
.sidebar-group-header .arrow{transition:transform .2s;font-size:.6rem}
.sidebar-group.collapsed .sidebar-links{display:none}
.sidebar-group.collapsed .sidebar-news{display:none}
.sidebar-group.collapsed .arrow{transform:rotate(-90deg)}
.sidebar-links{padding:0 .25rem}
.sidebar-link{display:flex;align-items:center;gap:.5rem;padding:.4rem .5rem;border-radius:var(--radius-sm);text-decoration:none;font-size:.8rem;font-weight:500;color:var(--text-secondary);transition:background .15s}
.sidebar-link:hover{background:var(--accent-bg);color:var(--text)}
.sidebar-link.active{background:var(--accent-bg);color:var(--accent);font-weight:600}
.sidebar-icon{font-size:1rem;flex-shrink:0}
.sidebar-news{padding:0 .25rem}
.sidebar-news-item{padding:.5rem 0;border-bottom:1px solid var(--border)}
.sidebar-news-item:last-child{border-bottom:none}
.sidebar-news-title{font-size:.8rem;font-weight:600;color:var(--text)}
.sidebar-news-meta{font-size:.7rem;color:var(--text-muted);margin-top:.15rem}
.sidebar-ad{margin-top:1rem;padding:1rem;background:var(--accent-bg);border:1px solid var(--accent-border);border-radius:var(--radius-sm);text-align:center}
.sidebar-ad-label{font-size:.6rem;color:var(--text-muted);text-transform:uppercase;letter-spacing:.05em;margin-bottom:.25rem}
.sidebar-ad-text{font-size:.8rem;color:var(--text);font-weight:600}
.sidebar-ad-cta{display:inline-block;margin-top:.5rem;background:var(--accent);color:#fff;padding:.35rem .75rem;border-radius:var(--radius-sm);font-size:.75rem;font-weight:600;text-decoration:none;transition:opacity .15s}
.sidebar-ad-cta:hover{opacity:.85}
.main-content{margin-left:220px;padding:0;display:flex;flex-direction:column;min-height:100vh;background:var(--bg)}
.main-content > *{width:100%}

/* ─── Two-column layout ─── */
.two-col{display:grid;grid-template-columns:1fr 300px;gap:2rem;max-width:1100px;margin:0 auto;padding:0 1.5rem;align-items:start}
.two-col-main{min-width:0}
.two-col-side{position:sticky;top:68px}
.side-card{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:1.25rem}
.side-card-title{font-size:.85rem;font-weight:700;color:var(--text);margin-bottom:.75rem}
.side-link{display:block;padding:.4rem 0;color:var(--text-secondary);text-decoration:none;font-size:.8rem;border-bottom:1px solid var(--border);transition:color .15s}
.side-link:last-child{border-bottom:none}
.side-link:hover{color:var(--accent)}

/* ─── Responsive ─── */
@media(max-width:1024px){
  .sidebar{display:none}
  .main-content{margin-left:0!important}
  .two-col{grid-template-columns:1fr}
  .two-col-side{position:static}
  .mega-group:hover .mega-dropdown{display:none}
  .mega-link{pointer-events:none}
}
@media(max-width:768px){
  .hero-section{padding:1rem .75rem .5rem!important}
  .hero-title{font-size:clamp(1.4rem,4vw,1.8rem)}
  .article-grid{grid-template-columns:1fr}
  .carousel-card{flex:0 0 220px}
  .nav-search{width:120px}
  .nav-search:focus{width:160px}
  .mortgage-layout{grid-template-columns:1fr;gap:16px;padding:0 1rem}
  .mortgage-results{position:static}
  .mortgage-results .m-chart{max-width:210px}
  .form-input,.m-input-row input[type=number],select{min-height:44px;padding:10px 12px;font-size:16px}
  input[type=range]{min-height:44px}
}
@media(max-width:640px){
  .mortgage-form{padding:16px}
  .mortgage-results{padding:16px}
  .payment-amount{font-size:28px}
  .m-chart{max-width:180px}
  input[type=range]{height:8px}
  input[type=range]::-webkit-slider-thumb{width:28px;height:28px}
  input[type=number],.form-input,select{padding:12px;font-size:16px;min-height:44px}
  .form-submit{padding:14px;font-size:1rem;min-height:48px}
  .m-tab{padding:8px 14px;font-size:13px}
  .m-amort td,.m-amort th{padding:8px 4px;font-size:10px}
  .m-row{padding:10px 0}
  .m-label{font-size:11px}
  .m-val{font-size:12px}
  .content-body{font-size:.9rem}
  .article-body{font-size:.95rem}
}
/* ─── Mortgage Calculator ─── */
.mortgage-layout{display:grid;grid-template-columns:1fr 380px;gap:24px;align-items:start;max-width:1100px;margin:0 auto;padding:0 1.5rem}
.mortgage-form{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:20px;min-width:0}
.mortgage-results{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:20px;position:sticky;top:80px;min-width:0;overflow:hidden}
.payment-big{text-align:center;margin-bottom:14px}
.payment-label{font-size:11px;color:var(--text-muted);text-transform:uppercase;letter-spacing:.5px;font-weight:600}
.payment-amount{font-size:36px;font-weight:800;color:var(--accent);margin:4px 0}
.payment-sub{font-size:12px;color:var(--text-muted)}
.m-chart{position:relative;max-width:260px;margin:0 auto 16px;display:flex;justify-content:center}
.m-chart canvas{display:block}
.m-row{display:flex;justify-content:space-between;align-items:center;padding:6px 0;border-bottom:1px solid var(--border)}
.m-row:last-child{border-bottom:none}
.m-label{display:flex;align-items:center;gap:6px;font-size:12px;color:var(--text-secondary)}
.m-dot{width:8px;height:8px;border-radius:50%;flex-shrink:0}
.m-val{font-size:13px;font-weight:600;color:var(--text)}
.m-tabs{display:flex;border-bottom:2px solid var(--border);margin-bottom:12px}
.m-tab{padding:6px 12px;font-size:12px;font-weight:600;color:var(--text-muted);cursor:pointer;border-bottom:2px solid transparent;margin-bottom:-2px}
.m-tab.active{color:var(--accent);border-bottom-color:var(--accent)}
.m-tab-panel{display:none}
/* Dark mode: ensure buttons with accent background have dark text for WCAG AA contrast */
[data-theme="dark"] .form-submit{color:var(--bg)!important}
[data-theme="dark"] button[style*="background:var(--accent)"]{color:var(--bg)!important}
.m-tab-panel.active{display:block}
.m-amort{width:100%;border-collapse:collapse;font-size:11px}
.m-amort th{text-align:left;padding:6px;color:var(--text-muted);font-weight:600;border-bottom:2px solid var(--border);font-size:10px;text-transform:uppercase}
.m-amort td{padding:6px;border-bottom:1px solid var(--border);font-size:12px}
.m-input-row{display:flex;align-items:center;gap:8px}
.m-input-row input[type=number]{flex:1}
.m-input-suffix{color:var(--text-muted);font-size:14px;white-space:nowrap}
.m-hint{font-size:11px;color:var(--text-muted);margin-top:3px}
.m-adv-toggle{display:flex;align-items:center;gap:6px;font-size:13px;font-weight:600;color:var(--accent);cursor:pointer;padding:10px 0;border-top:1px solid var(--border);margin-top:8px;user-select:none}
.m-adv-fields{max-height:0;overflow:hidden;transition:max-height .3s ease}
.m-adv-fields.open{max-height:300px}
@media (prefers-reduced-motion: reduce){*,*::before,*::after{animation-duration:0.01ms!important;animation-iteration-count:1!important;transition-duration:0.01ms!important;scroll-behavior:auto!important}}
@media print{
  nav,footer,.sidebar-ad,#cookie-consent,.exit-popup,.theme-toggle,.floating-cta,.carousel-wrap,
  .hero-section::after,.mega-dropdown,.search-results,#share-btn,.sidebar,
  .calculator-widget,.sidebar-ad,.cookie-consent,.theme-toggle,
  .newsletter-widget,.ad-slot,.ad-section,.exit-popup,
  button[onclick*="print"],.modal-buttons,.m-adv-toggle,.m-adv-fields,
  .saved-calc-section,.newsletter-section,.embed-widgets,
  .faq-card details[open] .faq-a,
  .testimonial-card,.tool-grid,.article-grid,
  .main-content .ad-slot,.site-footer .footer-links,
  .premium-calc-wrap .calc-result,
  .mortgage-results .m-chart,
  a[href]::after{display:none!important}
  .main-content{margin:0!important;padding:1rem!important;max-width:100%!important}
  .mortgage-layout{display:block!important}
  .mortgage-form,.mortgage-results{width:100%!important;max-width:100%!important}
  body{background:#fff!important;color:#000!important;font-size:12pt;line-height:1.5!important}
  .hero-section{background:none!important;color:#000!important}
  a{color:#000!important;text-decoration:underline!important}
  .donutChart,canvas{max-width:200px!important}
  .author-byline,.data-sources,.methodology,.disclaimer{break-inside:avoid}
  .content-body{font-size:10pt!important}
  h1{font-size:18pt!important}
  h2{font-size:14pt!important}
  .glass-card{box-shadow:none!important;border:1px solid #ccc!important}
  .payment-amount{font-size:24pt!important}
  .m-val,.m-label{font-size:9pt!important}
}