:root {
  --blue: #2f5f8f;
  --blue-dark: #244a70;
  --ink: #202124;
  --gray-bg: #eef3f8;
  --border: #dcdfe3;
}

* { box-sizing: border-box; }

body {
  margin: 0;
  font-family: 'Roboto', 'Segoe UI', Arial, sans-serif;
  color: var(--ink);
  line-height: 1.55;
  background: #fff;
}

a { color: var(--blue); text-decoration: underline; }
a:hover { color: var(--blue-dark); }

.site-header {
  background: #fff;
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 50;
}
.header-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 24px;
}
.brand {
  font-size: 22px;
  font-weight: 600;
  color: var(--ink);
  text-decoration: none;
}
.nav-toggle {
  display: none;
  background: none;
  border: none;
  font-size: 24px;
  cursor: pointer;
}
.main-nav ul {
  list-style: none;
  display: flex;
  flex-wrap: wrap;
  gap: 4px;
  margin: 0;
  padding: 0;
}
.main-nav li a {
  display: inline-block;
  padding: 8px 12px;
  color: var(--ink);
  text-decoration: none;
  font-size: 14.5px;
  border-radius: 4px;
}
.main-nav li a:hover,
.main-nav li.active a {
  background: var(--gray-bg);
  color: var(--blue-dark);
}

.hero {
  background: linear-gradient(135deg, #4b4f54 0%, #6c7075 35%, #55585d 60%, #85888c 100%);
  color: #fff;
  padding: 70px 24px;
  text-align: center;
}
.hero-inner { max-width: 900px; margin: 0 auto; }
.hero h1 {
  font-size: 2.6rem;
  font-weight: 700;
  margin: 0;
  line-height: 1.25;
}
@media (max-width: 640px) {
  .hero h1 { font-size: 1.8rem; }
}

main {
  max-width: 1000px;
  margin: 0 auto;
  padding: 40px 24px 60px;
}

.btn {
  display: inline-block;
  background: var(--blue);
  color: #fff;
  padding: 12px 26px;
  border-radius: 4px;
  text-decoration: none;
  font-weight: 600;
  border: none;
  cursor: pointer;
  font-size: 15px;
}
.btn:hover { background: var(--blue-dark); color: #fff; }

.card-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin: 36px 0;
}
@media (max-width: 800px) {
  .card-grid { grid-template-columns: 1fr; }
}
.card img {
  width: 100%;
  height: 200px;
  object-fit: cover;
  border-radius: 6px;
}
.card h3 { margin: 14px 0 6px; }
.card h3 a { text-decoration: underline; }
.card p { color: #444; }

h2 {
  color: var(--blue);
  border-bottom: 2px solid var(--gray-bg);
  padding-bottom: 8px;
  margin-top: 48px;
}
h3 { color: var(--ink); }

.faq-item { margin-bottom: 24px; }
.faq-item h3 { color: var(--blue-dark); margin-bottom: 4px; }

.decision-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin: 24px 0;
}
@media (max-width: 800px) {
  .decision-grid { grid-template-columns: 1fr; }
}
.decision-grid img { width: 100%; height: 150px; object-fit: cover; border-radius: 6px; }

.callout {
  background: var(--gray-bg);
  border-radius: 8px;
  padding: 24px 28px;
  margin: 32px 0;
}

.cta-box {
  text-align: center;
  background: var(--gray-bg);
  border-radius: 8px;
  padding: 40px 24px;
  margin-top: 48px;
}
.cta-box p.small { font-size: 13px; color: #666; margin-top: 18px; }

ul.bullets { padding-left: 20px; }
ul.bullets li { margin-bottom: 6px; }

.two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
}
@media (max-width: 800px) {
  .two-col { grid-template-columns: 1fr; }
}

table.snapshot { width: 100%; border-collapse: collapse; margin: 20px 0; }
table.snapshot td { padding: 6px 10px; border-bottom: 1px solid var(--border); }
table.snapshot td:first-child { font-weight: 600; }

.site-footer {
  background: #f5f6f7;
  border-top: 1px solid var(--border);
  padding: 30px 24px;
  margin-top: 40px;
  font-size: 13px;
  color: #555;
  text-align: center;
}
.footer-inner { max-width: 900px; margin: 0 auto; }
.footer-contact { font-weight: 600; color: var(--ink); }
.footer-disclaimer { max-width: 700px; margin: 10px auto; color: #777; }

/* Calculator */
.calc-wrap {
  border: 1px solid var(--border);
  border-radius: 8px;
  overflow: hidden;
  margin: 30px 0;
}
.calc-title {
  background: var(--gray-bg);
  padding: 18px 24px;
  text-align: center;
}
.calc-title h3 { color: var(--blue); margin: 0 0 6px; font-size: 1.4rem; }
.calc-body {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
}
@media (max-width: 800px) {
  .calc-body { grid-template-columns: 1fr; }
}
.calc-inputs { padding: 24px; }
.calc-results { padding: 24px; background: #fafbfc; border-left: 1px solid var(--border); }
@media (max-width: 800px) {
  .calc-results { border-left: none; border-top: 1px solid var(--border); }
}
.calc-badge {
  background: var(--gray-bg);
  color: var(--blue-dark);
  padding: 8px 12px;
  border-radius: 4px;
  font-size: 13px;
  margin-bottom: 16px;
  display: inline-block;
}
.calc-field-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-bottom: 16px;
}
@media (max-width: 500px) {
  .calc-field-row { grid-template-columns: 1fr; }
}
.calc-field label { display: block; font-weight: 600; font-size: 13.5px; margin-bottom: 4px; }
.calc-field .hint { font-weight: 400; color: #777; font-size: 11.5px; }
.calc-field input, .calc-field select {
  width: 100%;
  padding: 9px 10px;
  border: 1px solid var(--border);
  border-radius: 4px;
  font-size: 14px;
}
.result-row {
  display: flex;
  justify-content: space-between;
  padding: 7px 0;
  border-bottom: 1px solid var(--border);
  font-size: 14px;
}
.result-row.strong { font-weight: 700; }
.result-row span.val { color: var(--blue-dark); font-weight: 600; }
.calc-submit { width: 100%; margin-top: 18px; }
.calc-note { font-size: 12px; color: #777; margin-top: 14px; }

/* Documents table */
.doc-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 14px 18px;
  border: 1px solid var(--border);
  border-radius: 6px;
  margin-bottom: 10px;
}
.doc-row .doc-name { font-weight: 600; }
.doc-row a.btn { padding: 8px 18px; font-size: 13.5px; text-decoration: none; }

/* Blog */
.brief-list-item {
  border-bottom: 1px solid var(--border);
  padding: 20px 0;
}
.brief-list-item h3 a { text-decoration: underline; }
.brief-meta { color: #777; font-size: 13px; margin-bottom: 6px; }
.brief-article h2.section-head { margin-top: 40px; }
.brief-article .snapshot-box { background: var(--gray-bg); border-radius: 8px; padding: 18px 24px; margin: 20px 0; }
.back-link { display: inline-block; margin-bottom: 20px; }