:root{--ink:#17243a;--muted:#66758b;--blue:#315efb;--pale:#f4f7ff;--line:#e5eaf2;--white:#fff;--mint:#dff8ee}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif;color:var(--ink);background:#fff;line-height:1.65}.site-header{height:76px;padding:0 max(5vw,22px);display:flex;align-items:center;justify-content:space-between;border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:10}.brand{font-size:19px;font-weight:750;letter-spacing:-.6px;color:var(--ink);text-decoration:none;display:flex;align-items:center;gap:8px}.brand b{color:var(--blue)}.brand-mark{display:grid;place-items:center;width:32px;height:32px;background:var(--blue);color:#fff;border-radius:10px;font-weight:800}.site-header nav{display:flex;gap:27px}.site-header nav a,.footer-links a{font-size:14px;color:var(--muted);text-decoration:none}.site-header nav a:hover,.footer-links a:hover{color:var(--blue)}.hero{padding:105px 20px 95px;text-align:center;background:radial-gradient(ellipse at 50% 0%,#eaf0ff 0,white 62%)}.eyebrow{font-size:11px;font-weight:800;letter-spacing:1.8px;color:var(--blue)}h1{font-size:clamp(38px,6vw,64px);line-height:1.08;letter-spacing:-2.8px;margin:17px 0}.hero h1 span{color:var(--blue)}.hero p{max-width:560px;margin:20px auto 28px;color:var(--muted);font-size:18px}.button{display:inline-flex;gap:20px;align-items:center;padding:13px 21px;border-radius:10px;background:var(--blue);color:#fff;text-decoration:none;font-weight:700;box-shadow:0 8px 20px #315efb2b}.hero-note{margin-top:17px;font-size:12px;color:#8290a3}.section{padding:75px max(5vw,22px);max-width:1240px;margin:auto}.section-head{display:flex;justify-content:space-between;align-items:end;margin-bottom:28px}.section-head h2{font-size:32px;letter-spacing:-1px;margin:5px 0}.section-head>p{color:var(--muted);font-size:14px}.tool-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.tool-card{padding:24px;border:1px solid var(--line);border-radius:15px;text-decoration:none;color:inherit;transition:.2s;background:white}.tool-card:hover{transform:translateY(-4px);border-color:#bdcaff;box-shadow:0 12px 35px #1b37600d}.icon{display:grid;place-items:center;width:42px;height:42px;background:var(--pale);color:var(--blue);border-radius:12px;font-weight:800;font-size:20px}.tool-card h3{font-size:17px;margin:17px 0 5px}.tool-card p,.guide-card p{font-size:13px;color:var(--muted);margin:0 0 17px}.card-link,.guide-card b,.text-link{font-size:13px;color:var(--blue);font-weight:750}.guides{background:#fafbfe;max-width:none;padding-left:max(5vw,22px);padding-right:max(5vw,22px)}.guide-grid{max-width:1140px;margin:auto;display:grid;grid-template-columns:repeat(3,1fr);gap:17px}.guide-card{display:block;padding:25px;border:1px solid var(--line);border-radius:15px;background:#fff;text-decoration:none;color:inherit}.guide-card>span{font-size:10px;letter-spacing:1px;color:var(--blue);font-weight:800}.guide-card h3{font-size:19px;line-height:1.3}.cta{margin:70px auto;max-width:1100px;border-radius:20px;background:#172b55;color:#fff;text-align:center;padding:55px 20px}.cta h2{font-size:32px;margin:0}.cta p{color:#c6d0e5}.button.light{background:#fff;color:#19356d;box-shadow:none}.page{max-width:1050px;margin:0 auto;padding:65px 22px 90px}.page h1{font-size:clamp(36px,5vw,52px);letter-spacing:-2px}.lead{font-size:18px;color:var(--muted);max-width:760px;margin:0 0 35px}.tool-tabs{display:flex;flex-wrap:wrap;gap:9px;margin:25px 0 35px}.tool-tabs a{padding:8px 13px;background:var(--pale);border-radius:8px;color:var(--blue);font-size:13px;text-decoration:none;font-weight:650}.calculator,.article{border:1px solid var(--line);border-radius:16px;padding:27px;margin:22px 0;scroll-margin-top:95px}.calculator h2,.article h2{margin:0 0 5px;font-size:25px;letter-spacing:-.6px}.calculator>p,.article p{color:var(--muted)}.fields{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:15px;margin:18px 0}.fields label,.calculator>label{display:block;font-size:13px;font-weight:700;color:#34445c}.fields input,.fields select,.calculator input,.calculator textarea{display:block;width:100%;margin-top:6px;padding:12px 13px;border:1px solid #dbe2ed;border-radius:9px;font:inherit;color:var(--ink);background:white}.calculator textarea{resize:vertical}.calculator button{border:0;background:var(--blue);color:#fff;padding:11px 17px;border-radius:9px;font-weight:700;cursor:pointer}.result{margin-top:16px;padding:14px 16px;border-radius:10px;background:var(--pale);color:#243b68;font-weight:650;min-height:48px}.stats{display:flex;gap:12px;flex-wrap:wrap;margin-top:12px}.stats span{background:var(--mint);padding:7px 11px;border-radius:8px;font-size:13px;font-weight:700}.article{padding:32px;margin:20px 0 28px}.article h3{margin-bottom:3px}.article p{line-height:1.8}.text-link{display:inline-block;text-decoration:none;margin-top:5px}.narrow{max-width:790px}.narrow h2{margin-top:30px}.narrow p{color:#53647a}.notice{padding:18px;border:1px solid var(--line);border-radius:12px;background:var(--pale)}footer{border-top:1px solid var(--line);padding:30px max(5vw,22px);display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap}footer small{color:#8995a7}.footer-links{display:flex;gap:17px;flex-wrap:wrap}@media(max-width:850px){.tool-grid{grid-template-columns:repeat(2,1fr)}.guide-grid{grid-template-columns:1fr}.section-head{align-items:start;display:block}}@media(max-width:560px){.site-header{height:auto;min-height:68px;align-items:flex-start;padding-top:15px;padding-bottom:12px;gap:12px;flex-direction:column}.site-header nav{gap:17px;flex-wrap:wrap}.hero{padding:75px 20px}.hero h1{letter-spacing:-1.8px}.tool-grid{grid-template-columns:1fr}.fields{grid-template-columns:1fr}.calculator,.article{padding:20px}.section{padding-top:55px;padding-bottom:55px}.page{padding-top:45px}.footer-links{gap:12px}}

/* Expanded editorial guide layout */
.guide-index { columns: 2; column-gap: 2rem; padding-left: 1.35rem; }
.guide-index li { margin: .55rem 0; break-inside: avoid; }
.article { line-height: 1.75; }
.article h3 { margin-top: 1.6rem; }
.article ul, .article ol { padding-left: 1.5rem; }
.article li { margin: .45rem 0; }
.example-box { margin: 1.25rem 0; padding: 1rem 1.2rem; border-left: 4px solid var(--accent, #3b82f6); background: rgba(59,130,246,.07); border-radius: .5rem; }
.example-box p { margin-bottom: 0; }
.guide-action { margin-top: 1.5rem; }
@media (max-width: 650px) { .guide-index { columns: 1; } }