:root {
    --ink: #0a1828;
    --ink-soft: #1f2d44;
    --muted: #5a6b85;
    --muted-2: #8694ad;
    --rule: #e4e8f0;
    --rule-strong: #cdd5e2;
    --bg: #fafbfd;
    --panel: #ffffff;
    --navy: #0e2545;
    --navy-deep: #061a36;
    --navy-line: #1a3358;
    --amber: #f5a524;
    --amber-deep: #c47e0a;
    --amber-soft: #fff4dd;
    --teal: #1f8a7e;
    --teal-soft: #e2f2f0;
    --rose: #c53b54;
    --rose-soft: #fbe5ea;
    --shadow-sm: 0 1px 2px rgba(10, 24, 40, .04), 0 2px 6px rgba(10, 24, 40, .04);
    --shadow-md: 0 1px 0 rgba(10,24,40,.04), 0 12px 28px -12px rgba(10,24,40,.18);
    --sans: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;
    --display: 'DM Sans', 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
    --mono: ui-monospace, 'SF Mono', Menlo, Consolas, monospace;
}
* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
    font-family: var(--sans);
    color: var(--ink);
    background: var(--bg);
    font-size: 16px;
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
    text-rendering: optimizeLegibility;
}
a { color: var(--navy); text-decoration: none; }
a:hover { color: var(--amber-deep); }
img { max-width: 100%; display: block; }
.wrap { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.wrap-narrow { max-width: 820px; margin: 0 auto; padding: 0 24px; }

/* Topline */
.topline {
    background: var(--navy-deep); color: #b9c6dc;
    font-size: 12.5px; padding: 7px 0; letter-spacing: .01em;
}
.topline a { color: #fff; font-weight: 500; }
.topline .wrap { display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; }

/* Header */
.site-header {
    background: var(--panel);
    border-bottom: 1px solid var(--rule);
    position: sticky; top: 0; z-index: 50;
    box-shadow: 0 1px 0 rgba(10, 24, 40, 0.03);
}
.header-inner {
    display: flex; align-items: center; gap: 28px;
    height: 68px;
}
.brand { display: flex; align-items: center; gap: 11px; color: var(--ink); font-family: var(--display); }
.brand:hover { color: var(--ink); }
.brand-mark {
    width: 34px; height: 34px; border-radius: 9px;
    background: linear-gradient(135deg, var(--navy) 0%, #1a3a64 100%);
    color: var(--amber);
    display: inline-flex; align-items: center; justify-content: center;
    box-shadow: inset 0 -1px 0 rgba(0,0,0,.18);
}
.brand-text { font-size: 19px; letter-spacing: -0.02em; font-weight: 700; }
.brand-text strong { color: var(--ink); }
.brand-text span { color: var(--amber-deep); font-weight: 700; }

.primary-nav { display: flex; gap: 4px; flex-wrap: wrap; margin-left: auto; }
.primary-nav a {
    color: var(--ink-soft); font-size: 14.5px; font-weight: 500;
    padding: 8px 12px; border-radius: 7px;
}
.primary-nav a:hover { color: var(--navy); background: #f1f4fa; }
.nav-search-wrap { margin-left: auto; }
.nav-search {
    display: flex; align-items: center; gap: 8px;
    background: #f1f4fa; border: 1px solid transparent;
    padding: 8px 14px; border-radius: 999px; min-width: 240px;
    transition: border-color .15s, background .15s;
}
.nav-search:focus-within { background: #fff; border-color: var(--rule-strong); }
.nav-search input {
    border: 0; outline: 0; background: transparent; flex: 1;
    font: inherit; color: var(--ink); font-size: 14px;
}
.nav-search button {
    border: 0; background: transparent; cursor: pointer;
    color: var(--muted); padding: 0; display: inline-flex;
}

/* Mobile nav */
.menu-toggle {
    display: none;
    background: transparent; border: 1px solid var(--rule); border-radius: 8px;
    padding: 8px 10px; cursor: pointer; color: var(--ink);
}
@media (max-width: 980px) {
    .header-inner { gap: 16px; }
    .primary-nav, .nav-search-wrap { display: none; }
    .menu-toggle { display: inline-flex; margin-left: auto; }
    .nav-open .primary-nav, .nav-open .nav-search-wrap {
        display: flex; flex-direction: column; align-items: stretch;
        position: absolute; top: 100%; left: 0; right: 0;
        background: var(--panel); border-bottom: 1px solid var(--rule);
        padding: 16px 24px; gap: 6px;
    }
    .nav-open .primary-nav a { padding: 12px; border-radius: 8px; }
    .nav-open .nav-search-wrap { order: -1; }
    .nav-open .nav-search { min-width: 0; width: 100%; }
}

/* Hero */
.hero {
    background:
        radial-gradient(1100px 500px at 90% -10%, rgba(245,165,36,.18), transparent 60%),
        radial-gradient(900px 600px at -10% 110%, rgba(31,138,126,.12), transparent 60%),
        linear-gradient(180deg, #061a36 0%, #0e2545 60%, #112a4f 100%);
    color: #f0f4fa;
    padding: 72px 0 56px;
    border-bottom: 1px solid var(--navy-line);
    position: relative; overflow: hidden;
}
.hero::before {
    content: ""; position: absolute; inset: 0;
    background-image:
        linear-gradient(rgba(255,255,255,.04) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255,255,255,.04) 1px, transparent 1px);
    background-size: 60px 60px;
    mask-image: radial-gradient(ellipse at top, #000 30%, transparent 80%);
    pointer-events: none;
}
.hero .wrap { position: relative; }
.hero-eyebrow {
    display: inline-flex; align-items: center; gap: 8px;
    font-size: 12.5px; font-weight: 600; letter-spacing: .14em; text-transform: uppercase;
    color: var(--amber); margin-bottom: 18px;
}
.hero-eyebrow .dot { width: 6px; height: 6px; border-radius: 50%; background: var(--amber); box-shadow: 0 0 0 4px rgba(245,165,36,.18); }
.hero h1 {
    font-family: var(--display);
    font-size: clamp(36px, 5.2vw, 60px);
    line-height: 1.05;
    letter-spacing: -0.025em;
    margin: 0 0 18px;
    color: #fff;
    font-weight: 700;
    max-width: 920px;
}
.hero h1 .accent { color: var(--amber); }
.hero h1 .underline {
    position: relative; display: inline-block;
}
.hero h1 .underline::after {
    content: ""; position: absolute; left: 0; right: 0; bottom: -4px;
    height: 6px; background: var(--amber); border-radius: 3px; opacity: .85;
}
.hero p.lede {
    font-size: 18px; color: #c2cfe2; margin: 0 0 32px; max-width: 680px; line-height: 1.55;
}

.hero-search {
    background: rgba(255,255,255,.97);
    border: 1px solid rgba(255,255,255,.4);
    border-radius: 14px;
    padding: 8px;
    box-shadow: 0 24px 60px -20px rgba(0,0,0,.45);
    display: flex; gap: 8px; max-width: 720px; align-items: center;
}
.hero-search input {
    flex: 1; border: 0; outline: 0; background: transparent;
    font: 500 17px var(--sans); color: var(--ink);
    padding: 14px 16px;
}
.hero-search input::placeholder { color: var(--muted-2); }
.hero-search button {
    border: 0; cursor: pointer; padding: 14px 22px; border-radius: 8px;
    background: var(--navy); color: #fff; font: 600 15px var(--sans);
    display: inline-flex; align-items: center; gap: 6px;
}
.hero-search button:hover { background: var(--navy-deep); }
.hero-search-meta {
    color: #98a8c2; font-size: 13.5px; margin: 14px 0 0;
}
.hero-search-meta a { color: #fff; border-bottom: 1px dotted rgba(255,255,255,.4); }

/* Stat row in hero */
.hero-stats {
    display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px;
    margin-top: 44px;
    background: rgba(255,255,255,.08); border-radius: 12px; overflow: hidden;
    border: 1px solid rgba(255,255,255,.08);
}
@media (max-width: 760px) { .hero-stats { grid-template-columns: repeat(2, 1fr); } }
.hero-stats .s {
    background: rgba(6,26,54,.65); padding: 22px 24px; backdrop-filter: blur(4px);
}
.hero-stats .s .num { font-family: var(--display); font-size: 30px; font-weight: 700; color: #fff; line-height: 1; letter-spacing: -.02em; }
.hero-stats .s .num .accent { color: var(--amber); }
.hero-stats .s .lbl { color: #94a5c1; font-size: 12.5px; margin-top: 8px; letter-spacing: .04em; text-transform: uppercase; font-weight: 500; }

/* Buttons */
.btn {
    display: inline-flex; align-items: center; gap: 8px;
    padding: 11px 18px; border-radius: 8px; font-weight: 600; font-size: 14.5px;
    border: 1px solid transparent; cursor: pointer;
    transition: background .15s, color .15s, border-color .15s, transform .1s;
    font-family: var(--sans);
}
.btn:hover { transform: translateY(-1px); }
.btn-primary { background: var(--navy); color: #fff; border-color: var(--navy); }
.btn-primary:hover { background: var(--navy-deep); color: #fff; }
.btn-amber { background: var(--amber); color: var(--navy-deep); border-color: var(--amber); }
.btn-amber:hover { background: var(--amber-deep); color: #fff; }
.btn-ghost { background: var(--panel); color: var(--ink); border-color: var(--rule-strong); }
.btn-ghost:hover { border-color: var(--navy); color: var(--navy); }

/* Sections */
section.block { padding: 72px 0; }
section.block.tight { padding: 48px 0; }
section.block.alt { background: #f3f6fb; }
.section-head { display: flex; align-items: end; justify-content: space-between; gap: 24px; margin-bottom: 32px; flex-wrap: wrap; }
.kicker {
    font-size: 12px; font-weight: 700; letter-spacing: .14em;
    text-transform: uppercase; color: var(--amber-deep);
    margin-bottom: 10px;
}
.block h2 {
    font-family: var(--display); font-size: clamp(26px, 3vw, 34px);
    letter-spacing: -.02em; margin: 0 0 6px; line-height: 1.15; font-weight: 700;
}
.block .deck { font-size: 16.5px; color: var(--muted); margin: 0; max-width: 660px; line-height: 1.55; }

/* Industry summary table on home */
.summary-table-wrap {
    background: var(--panel); border: 1px solid var(--rule); border-radius: 14px;
    overflow: hidden; box-shadow: var(--shadow-md);
}
.summary-table { width: 100%; border-collapse: collapse; font-size: 14.5px; }
.summary-table thead th {
    background: #f7f9fc; text-align: left; padding: 14px 18px;
    font-size: 12px; font-weight: 700; color: var(--ink-soft);
    text-transform: uppercase; letter-spacing: .06em;
    border-bottom: 1px solid var(--rule);
    white-space: nowrap; cursor: pointer; user-select: none;
}
.summary-table thead th:hover { color: var(--navy); }
.summary-table thead th .arrow { color: var(--muted-2); margin-left: 4px; font-size: 11px; }
.summary-table thead th.sorted-asc .arrow::after { content: "▲"; color: var(--amber-deep); }
.summary-table thead th.sorted-desc .arrow::after { content: "▼"; color: var(--amber-deep); }
.summary-table tbody td { padding: 14px 18px; border-bottom: 1px solid var(--rule); vertical-align: middle; }
.summary-table tbody tr:last-child td { border-bottom: 0; }
.summary-table tbody tr:hover { background: #fafbff; }
.summary-table .ind-name { font-weight: 600; color: var(--navy); font-size: 15px; }
.summary-table .ind-name a { color: inherit; }
.summary-table .num-cell { text-align: right; font-variant-numeric: tabular-nums; font-weight: 500; }
.bar {
    display: inline-block; height: 6px; border-radius: 3px;
    background: var(--rule); position: relative; vertical-align: middle;
    width: 80px; margin-right: 8px;
}
.bar > i { position: absolute; left: 0; top: 0; bottom: 0; border-radius: 3px; }
.bar.weekly > i { background: var(--rose); }
.bar.biweekly > i { background: var(--teal); }
.bar.semimonthly > i { background: var(--amber); }
.bar.monthly > i { background: var(--muted-2); }

/* Most-searched cards */
.searched-grid {
    display: grid; grid-template-columns: repeat(5, 1fr); gap: 14px;
}
@media (max-width: 1080px) { .searched-grid { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 600px) { .searched-grid { grid-template-columns: repeat(2, 1fr); } }
.searched-card {
    background: var(--panel); border: 1px solid var(--rule); border-radius: 12px;
    padding: 18px; transition: all .15s; display: flex; flex-direction: column; gap: 8px;
}
.searched-card:hover {
    border-color: var(--amber); box-shadow: var(--shadow-sm);
    transform: translateY(-2px);
}
.searched-card .rank {
    font: 700 12px var(--display); color: var(--muted-2); letter-spacing: .04em;
}
.searched-card .name {
    font: 700 17px var(--display); color: var(--ink); margin: 0; letter-spacing: -.01em;
}
.searched-card .name a { color: inherit; }
.searched-card .freq { font-size: 13px; color: var(--muted); }

/* Card grids */
.grid { display: grid; gap: 18px; }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
@media (max-width: 980px) { .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 600px) { .grid-3, .grid-4, .grid-2 { grid-template-columns: 1fr; } }

.card {
    background: var(--panel); border: 1px solid var(--rule); border-radius: 12px;
    padding: 22px; transition: all .15s; display: block;
}
.card:hover {
    border-color: var(--navy); transform: translateY(-2px);
    box-shadow: var(--shadow-md); color: inherit;
}
.card h3 { font-family: var(--display); font-size: 18px; margin: 0 0 6px; letter-spacing: -.01em; font-weight: 700; }
.card .meta { font-size: 12.5px; color: var(--muted); margin-bottom: 10px; text-transform: uppercase; letter-spacing: .04em; font-weight: 500; }
.card p { margin: 0; font-size: 14px; color: var(--ink-soft); line-height: 1.55; }
.card.highlight { background: var(--navy); color: #fff; border-color: var(--navy); }
.card.highlight h3, .card.highlight p { color: inherit; }
.card.highlight .meta { color: var(--amber); }

/* Letter row */
.letter-row { display: flex; flex-wrap: wrap; gap: 6px; }
.letter-row a {
    display: inline-flex; align-items: center; justify-content: center;
    width: 40px; height: 40px; border-radius: 8px;
    border: 1px solid var(--rule); font-weight: 700; font-size: 14px;
    background: var(--panel); color: var(--ink); font-family: var(--display);
}
.letter-row a:hover { background: var(--navy); border-color: var(--navy); color: #fff; }

/* Article layout */
.article-grid {
    display: grid; grid-template-columns: 1fr 320px; gap: 56px;
    padding: 48px 0 64px;
}
@media (max-width: 1024px) { .article-grid { grid-template-columns: 1fr; gap: 32px; } }
.breadcrumb {
    font-size: 13px; color: var(--muted); margin-bottom: 20px; display: flex; flex-wrap: wrap; gap: 6px; align-items: center;
}
.breadcrumb a { color: var(--muted); }
.breadcrumb a:hover { color: var(--navy); }
.breadcrumb span { color: var(--muted-2); }

article.entry h1 {
    font-family: var(--display); font-size: clamp(30px, 4vw, 44px); line-height: 1.1;
    letter-spacing: -0.025em; margin: 0 0 14px; font-weight: 700;
}
article.entry .subtitle {
    font-size: 18px; color: var(--ink-soft); margin: 0 0 28px; line-height: 1.55;
}
article.entry h2 {
    font-family: var(--display); font-size: 24px; margin: 40px 0 14px;
    letter-spacing: -0.015em; font-weight: 700;
}
article.entry h3 {
    font-family: var(--display); font-size: 18px; margin: 28px 0 10px; font-weight: 700;
}
article.entry p { margin: 0 0 16px; color: var(--ink-soft); }
article.entry ul { padding-left: 20px; }
article.entry li { margin-bottom: 8px; color: var(--ink-soft); }
article.entry strong { color: var(--ink); }

/* Fact box */
.factbox {
    background: linear-gradient(180deg, #fff 0%, #fafbfd 100%);
    border: 1px solid var(--rule); border-left: 4px solid var(--amber);
    border-radius: 10px;
    padding: 24px 26px; margin: 0 0 32px;
}
.factbox .factbox-title {
    font: 700 12px var(--display); letter-spacing: .12em; text-transform: uppercase;
    color: var(--amber-deep); margin-bottom: 14px;
}
.factbox dl { display: grid; grid-template-columns: 170px 1fr; gap: 10px 18px; margin: 0; }
.factbox dt { color: var(--muted); font-size: 13px; align-self: center; }
.factbox dd { margin: 0; color: var(--ink); font-weight: 600; }
@media (max-width: 600px) { .factbox dl { grid-template-columns: 1fr; gap: 2px 0; } .factbox dd { margin-bottom: 8px; } }

/* FAQ */
.faq { margin: 28px 0; display: grid; gap: 10px; }
.faq details {
    background: var(--panel); border: 1px solid var(--rule); border-radius: 10px;
    padding: 0; overflow: hidden;
}
.faq details[open] { border-color: var(--navy); }
.faq summary {
    cursor: pointer; padding: 16px 20px; font-weight: 600; color: var(--navy);
    font-family: var(--display); font-size: 16px; list-style: none;
    display: flex; justify-content: space-between; align-items: center; gap: 12px;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
    content: "+"; font-weight: 400; font-size: 22px; color: var(--amber-deep);
    transition: transform .2s;
}
.faq details[open] summary::after { content: "−"; }
.faq .answer { padding: 0 20px 18px; color: var(--ink-soft); border-top: 1px solid var(--rule); padding-top: 16px; }
.faq .answer p:first-child { margin-top: 0; }
.faq .answer p:last-child { margin-bottom: 0; }

/* Sidebar */
aside.sidebar { font-size: 14px; }
.side-card {
    background: var(--panel); border: 1px solid var(--rule); border-radius: 12px;
    padding: 20px 22px; margin-bottom: 18px;
}
.side-card.dark {
    background: var(--navy); color: #cfd8e6; border-color: var(--navy);
}
.side-card.dark a { color: #fff; }
.side-card h4 {
    margin: 0 0 12px; font-family: var(--display); font-size: 15px; font-weight: 700;
    text-transform: uppercase; letter-spacing: .06em; color: var(--ink);
}
.side-card.dark h4 { color: var(--amber); }
.side-card ul { list-style: none; padding: 0; margin: 0; }
.side-card li { padding: 7px 0; border-bottom: 1px dashed var(--rule); display: flex; justify-content: space-between; align-items: center; gap: 10px; }
.side-card.dark li { border-bottom-color: var(--navy-line); }
.side-card li:last-child { border-bottom: none; }
.side-card a { color: var(--ink); font-weight: 500; }
.side-card a:hover { color: var(--amber-deep); }

/* Resources block (real authoritative links) */
.resources {
    background: var(--panel); border: 1px solid var(--rule); border-radius: 12px;
    padding: 22px;
}
.resources h4 {
    font-family: var(--display); font-size: 15px; font-weight: 700;
    text-transform: uppercase; letter-spacing: .06em; color: var(--ink);
    margin: 0 0 6px;
}
.resources .deck { color: var(--muted); font-size: 13px; margin-bottom: 14px; }
.resources ul { list-style: none; padding: 0; margin: 0; }
.resources li {
    padding: 10px 0; border-bottom: 1px solid var(--rule);
}
.resources li:last-child { border-bottom: none; }
.resources li a {
    display: block; font-weight: 600; color: var(--navy); font-size: 14.5px;
}
.resources li .src { color: var(--muted); font-size: 12.5px; margin-top: 2px; display: block; }

/* Tables */
table.directory {
    width: 100%; border-collapse: collapse;
    background: var(--panel); border-radius: 12px; overflow: hidden;
    border: 1px solid var(--rule); margin-top: 18px;
    font-size: 14px;
}
table.directory th, table.directory td {
    padding: 13px 18px; text-align: left;
    border-bottom: 1px solid var(--rule);
}
table.directory th {
    background: #f7f9fc; font-weight: 700; color: var(--ink-soft);
    font-size: 12px; text-transform: uppercase; letter-spacing: .06em;
    cursor: pointer; user-select: none;
}
table.directory th:hover { color: var(--navy); }
table.directory th.sorted-asc::after { content: " ▲"; color: var(--amber-deep); font-size: 10px; }
table.directory th.sorted-desc::after { content: " ▼"; color: var(--amber-deep); font-size: 10px; }
table.directory tr:last-child td { border-bottom: 0; }
table.directory tbody tr:hover { background: #fafbff; }
table.directory td a { font-weight: 600; color: var(--navy); }
table.directory td a:hover { color: var(--amber-deep); }

/* Frequency badges */
.badge {
    display: inline-block; padding: 4px 10px; border-radius: 999px;
    font-size: 12px; font-weight: 700; letter-spacing: .02em;
    border: 1px solid transparent; font-family: var(--sans);
}
.badge-weekly      { background: var(--rose-soft);  color: var(--rose);     border-color: #f4cdd5; }
.badge-biweekly    { background: var(--teal-soft);  color: var(--teal);     border-color: #bee0db; }
.badge-semimonthly { background: var(--amber-soft); color: var(--amber-deep); border-color: #f0d695; }
.badge-monthly     { background: #eef0f5;           color: var(--ink-soft); border-color: var(--rule-strong); }

/* Counters */
.counters { display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; }
@media (max-width: 760px) { .counters { grid-template-columns: repeat(2, 1fr); } }
.counter {
    background: var(--panel); padding: 22px 24px; border-radius: 12px;
    border: 1px solid var(--rule);
}
.counter .num { font-family: var(--display); font-size: 30px; font-weight: 700; line-height: 1; color: var(--navy); letter-spacing: -.02em; }
.counter .lbl { font-size: 12.5px; color: var(--muted); margin-top: 8px; text-transform: uppercase; letter-spacing: .05em; font-weight: 500; }

/* Footer */
.site-footer {
    background: var(--navy-deep); color: #b9c6dc;
    margin-top: 80px; padding: 60px 0 32px;
}
.site-footer a { color: #fff; }
.site-footer a:hover { color: var(--amber); }
.footer-grid {
    display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.3fr; gap: 48px;
}
@media (max-width: 980px) { .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; } }
@media (max-width: 600px) { .footer-grid { grid-template-columns: 1fr; gap: 28px; } }
.footer-brand-block .footer-brand-row { display: flex; align-items: center; gap: 11px; margin-bottom: 14px; }
.footer-brand { font-family: var(--display); font-size: 20px; color: #fff; font-weight: 700; }
.footer-brand-block p { color: #94a5c1; font-size: 14px; line-height: 1.55; max-width: 320px; }
.footer-col h4 {
    color: #fff; font-size: 13px; text-transform: uppercase;
    letter-spacing: .1em; margin: 0 0 14px; font-weight: 700;
}
.footer-col ul { list-style: none; padding: 0; margin: 0; }
.footer-col li { padding: 5px 0; font-size: 14px; color: #b9c6dc; }
.footer-col a { color: #cdd9eb; font-weight: 400; }
.footer-resources li a { display: block; font-weight: 600; color: #fff; }
.footer-resources li .src { color: #7889a4; font-size: 12px; }
.footer-resources li { padding: 8px 0; border-bottom: 1px solid var(--navy-line); }
.footer-resources li:last-child { border: 0; }
.footer-base {
    margin-top: 48px; padding-top: 22px;
    border-top: 1px solid var(--navy-line); font-size: 12.5px; color: #7889a4;
    display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap;
}
.footer-base p { margin: 0; }

/* Misc */
.muted { color: var(--muted); }
.center { text-align: center; }
.callout {
    background: var(--amber-soft); border: 1px solid #f0d695; border-radius: 10px;
    padding: 18px 22px; font-size: 14.5px; color: #5d4308;
}
.notice {
    background: var(--teal-soft); border: 1px solid #bee0db; border-radius: 10px;
    padding: 16px 20px; font-size: 14px; color: #0f5048;
}
.in-content-ad {
    margin: 36px 0; padding: 24px;
    border: 1px dashed var(--rule-strong); background: #fafbfd;
    text-align: center; color: var(--muted-2); font-size: 12px; border-radius: 10px;
}

/* Calculator */
.calc {
    background: var(--panel); border: 1px solid var(--rule); border-radius: 14px;
    padding: 28px; box-shadow: var(--shadow-md);
    display: grid; grid-template-columns: 1fr 1fr; gap: 32px;
}
@media (max-width: 800px) { .calc { grid-template-columns: 1fr; } }
.calc label { display: block; font-size: 13px; font-weight: 600; color: var(--ink-soft); text-transform: uppercase; letter-spacing: .05em; margin-bottom: 6px; }
.calc input, .calc select {
    width: 100%; padding: 11px 14px; border: 1px solid var(--rule-strong);
    border-radius: 8px; font: inherit; background: #fff; margin-bottom: 16px;
}
.calc input:focus, .calc select:focus { outline: none; border-color: var(--amber); box-shadow: 0 0 0 3px rgba(245,165,36,.18); }
.calc-results { background: #f7f9fc; border-radius: 12px; padding: 24px; }
.calc-results .row { display: flex; justify-content: space-between; padding: 10px 0; border-bottom: 1px solid var(--rule); }
.calc-results .row:last-child { border: 0; }
.calc-results .row .lbl { color: var(--muted); font-size: 14px; }
.calc-results .row .val { font-family: var(--display); font-weight: 700; color: var(--navy); font-size: 17px; }

/* Glossary */
.glossary-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; }
@media (max-width: 900px) { .glossary-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 600px) { .glossary-grid { grid-template-columns: 1fr; } }
.glossary-item {
    background: var(--panel); border: 1px solid var(--rule); border-radius: 10px;
    padding: 16px 18px; display: block;
}
.glossary-item:hover { border-color: var(--navy); }
.glossary-item .term { font: 700 15px var(--display); color: var(--navy); }
.glossary-item .def { font-size: 13.5px; color: var(--muted); margin-top: 4px; }

/* Page header band */
.page-header {
    background: linear-gradient(180deg, #f3f6fb 0%, var(--bg) 100%);
    padding: 40px 0 32px; border-bottom: 1px solid var(--rule);
}
.page-header h1 {
    font-family: var(--display); font-size: clamp(28px, 4vw, 40px);
    letter-spacing: -.02em; margin: 6px 0 8px; font-weight: 700;
}
.page-header p { color: var(--muted); font-size: 16.5px; max-width: 720px; margin: 0; line-height: 1.55; }

/* Skip link */
.skip { position: absolute; left: -9999px; top: auto; }
.skip:focus {
    left: 16px; top: 16px; background: var(--navy); color: #fff;
    padding: 10px 16px; border-radius: 6px; z-index: 100;
}

/* Print friendliness for content */
@media print {
    .site-header, .site-footer, .topline, .in-content-ad, aside.sidebar, .nav-search { display: none !important; }
    body { background: #fff; }
    article.entry { font-size: 12pt; }
}