/* HomeCalc Helper — mobile-first stylesheet */
:root{
  --navy:#16324f;
  --navy-soft:#1f4068;
  --teal:#0e9384;
  --teal-dark:#0b7a6e;
  --teal-light:#e6f7f4;
  --ink:#334155;
  --muted:#64748b;
  --line:#e2e8f0;
  --bg:#ffffff;
  --bg-grey:#f4f6f8;
  --card:#ffffff;
  --radius:12px;
  --shadow:0 1px 3px rgba(22,50,79,.08),0 4px 14px rgba(22,50,79,.06);
  --max:1100px;
  --focus:#0e9384;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  color:var(--ink);
  background:var(--bg);
  line-height:1.65;
  font-size:16px;
}
h1,h2,h3{color:var(--navy);line-height:1.25;margin:0 0 .6em}
h1{font-size:1.9rem}
h2{font-size:1.45rem;margin-top:2rem}
h3{font-size:1.15rem}
p{margin:0 0 1em}
a{color:var(--teal-dark);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%;height:auto}
.container{max-width:var(--max);margin:0 auto;padding:0 1rem}
:focus-visible{outline:3px solid var(--focus);outline-offset:2px;border-radius:4px}

/* Header */
.site-header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:50}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:.75rem;padding:.7rem 1rem;max-width:var(--max);margin:0 auto}
.logo{display:flex;align-items:center;gap:.6rem;color:#fff;font-weight:800;font-size:1.15rem}
.logo:hover{text-decoration:none}
.logo-mark{width:38px;height:38px;flex:0 0 38px}
.main-nav{display:none}
.main-nav ul{list-style:none;margin:0;padding:0;display:flex;gap:1.25rem}
.main-nav a{color:#e2e8f0;font-weight:600;font-size:.95rem}
.main-nav a:hover,.main-nav a[aria-current="page"]{color:#fff;text-decoration:underline;text-underline-offset:4px}
.nav-toggle{background:none;border:2px solid rgba(255,255,255,.35);color:#fff;border-radius:8px;padding:.35rem .6rem;font-size:1.1rem;cursor:pointer;line-height:1}
@media(min-width:860px){
  .main-nav{display:block}
  .nav-toggle{display:none}
}
.mobile-nav{display:none;background:var(--navy-soft);padding:.25rem 1rem 1rem}
.mobile-nav.open{display:block}
.mobile-nav ul{list-style:none;margin:0;padding:0}
.mobile-nav a{display:block;color:#fff;font-weight:600;padding:.65rem .25rem;border-bottom:1px solid rgba(255,255,255,.12)}
.mobile-nav a:hover{text-decoration:none;background:rgba(255,255,255,.06)}

/* Hero */
.hero{background:var(--navy);color:#fff;padding:3.2rem 0 2.8rem;text-align:center}
.hero h1{color:#fff;font-size:2.3rem;margin-bottom:.5rem;letter-spacing:-.01em}
.hero p.sub{color:#cbd5e1;font-size:1.1rem;max-width:620px;margin:0 auto 1.6rem;line-height:1.6}
.search-wrap{max-width:560px;margin:0 auto 1.25rem;position:relative}
.search-wrap input[type="search"]{width:100%;padding:1rem 1.3rem;border-radius:999px;border:2px solid transparent;font-size:1.1rem;min-height:58px}
.search-wrap input[type="search"]:focus{outline:none;border-color:var(--teal)}
.search-results{position:absolute;left:0;right:0;top:calc(100% + 6px);background:#fff;border-radius:var(--radius);box-shadow:var(--shadow);text-align:left;overflow:hidden;z-index:20;display:none}
.search-results.open{display:block}
.search-results a{display:block;padding:.65rem 1rem;color:var(--ink);border-bottom:1px solid var(--line);font-size:.95rem}
.search-results a:hover{background:var(--teal-light);text-decoration:none}
.search-results .no-match{padding:.8rem 1rem;color:var(--muted);font-size:.95rem}
.btn{display:inline-block;background:var(--teal-dark);color:#fff;font-weight:700;padding:.9rem 1.6rem;min-height:44px;border-radius:999px;border:none;cursor:pointer;font-size:1rem}
.btn:hover{background:var(--teal-dark);text-decoration:none;color:#fff}
.btn-secondary{background:#fff;color:var(--teal-dark);border:2px solid var(--teal)}
.btn-secondary:hover{background:var(--teal-light)}
.btn-hero{font-size:1.12rem;padding:1rem 2.4rem;box-shadow:0 4px 18px rgba(0,0,0,.28);margin-bottom:1.1rem}

/* Cards */
.section{padding:2.5rem 0}
.section-grey{background:var(--bg-grey)}
.section-title{text-align:center;margin-bottom:.4rem;letter-spacing:-.01em}
.section-lead{text-align:center;color:var(--muted);max-width:640px;margin:0 auto 1.8rem}
.card-grid{display:grid;gap:1.1rem;grid-template-columns:1fr}
@media(min-width:640px){.card-grid{grid-template-columns:repeat(2,1fr)}}
@media(min-width:960px){.card-grid{grid-template-columns:repeat(3,1fr)}}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:1.4rem;display:flex;flex-direction:column;gap:.5rem}
.card h3{margin:0;font-size:1.12rem}
.card h3 a{color:var(--navy)}
.card p{color:var(--muted);font-size:.94rem;margin:0;flex:1}
.card .tag{align-self:flex-start;background:var(--teal-light);color:var(--teal-dark);font-size:.75rem;font-weight:700;padding:.2rem .6rem;border-radius:999px}
.card-icon{font-size:1.7rem}

/* Editorial topic rows — categories & guides (replaces emoji card grids) */
.topic-list{display:grid;gap:.7rem;grid-template-columns:1fr}
@media(min-width:860px){.topic-list{grid-template-columns:repeat(2,1fr);gap:.8rem}}
.topic-row{display:flex;align-items:center;gap:.9rem;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:.85rem 1rem}
.topic-row:hover{border-color:var(--teal);text-decoration:none}
.topic-row:hover .topic-tx strong{color:var(--teal-dark)}
.topic-ic{flex:0 0 46px;width:46px;height:46px;border-radius:12px;background:var(--teal-light);color:var(--teal-dark);display:inline-flex;align-items:center;justify-content:center}
.topic-ic svg{width:24px;height:24px;display:block}
.card-icon-svg{display:inline-flex;align-items:center;justify-content:center;width:44px;height:44px;border-radius:12px;background:var(--teal-light);color:var(--teal-dark);margin-bottom:.6rem}
.card-icon-svg svg{width:24px;height:24px;display:block}
.rel-icon{display:inline-flex;vertical-align:-4px;margin-right:.4rem;color:var(--teal-dark)}
.rel-icon svg{width:18px;height:18px;display:block}
.guide-cta{background:var(--teal-light);border-radius:var(--radius);padding:1.2rem 1.4rem;margin:1.6rem 0}
.guide-cta .related{margin-top:.8rem}
.topic-tx{flex:1;min-width:0}
.topic-tx strong{display:block;color:var(--navy);font-size:1.03rem;font-weight:600;line-height:1.35}
.topic-tx small{display:block;color:var(--muted);font-size:.87rem;line-height:1.45;margin-top:.12rem}
.topic-arrow{flex:0 0 auto;color:#94a3b8;display:inline-flex;transition:transform .18s ease,color .18s ease}
.topic-arrow svg{width:20px;height:20px;display:block}
.topic-row:hover .topic-arrow{transform:translateX(4px);color:var(--teal-dark)}

/* Steps */
.steps{display:grid;gap:1rem;grid-template-columns:1fr;margin-top:1.5rem}
@media(min-width:860px){.steps{grid-template-columns:repeat(3,1fr)}}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.4rem;box-shadow:var(--shadow)}
.step-num{display:inline-flex;align-items:center;justify-content:center;width:38px;height:38px;border-radius:50%;background:var(--teal-dark);color:#fff;font-weight:800;margin-bottom:.6rem}

/* Calculator */
.calc-wrap{background:var(--bg-grey);border:1px solid var(--line);border-radius:var(--radius);padding:1.4rem;margin:1.5rem 0}
@media(min-width:760px){.calc-wrap{padding:2rem}}
.calc-form{display:grid;gap:1.25rem;grid-template-columns:1fr}
@media(min-width:760px){.calc-form.two-col{grid-template-columns:1fr 1fr}}
.field{display:flex;flex-direction:column;gap:.4rem}
.field label{font-weight:700;color:var(--navy);font-size:.95rem}
.field .hint{font-size:.85rem;color:var(--muted);line-height:1.5}
.field input,.field select{min-height:48px;padding:.7rem .85rem;border:1px solid #cbd5e1;border-radius:8px;font-size:16px;width:100%;background:#fff;color:var(--ink)}
.field input::placeholder,.field textarea::placeholder{color:#64748b}
.field input:focus,.field select:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 3px rgba(14,147,132,.15)}
.input-row{display:flex;gap:.5rem}
.input-row input{flex:1;min-width:0}
.input-row select{flex:0 1 auto;min-width:0;max-width:13rem}
.field-error{color:#b91c1c;font-size:.85rem;font-weight:600;min-height:1.2em}
.calc-actions{display:flex;gap:.75rem;flex-wrap:wrap;margin-top:.25rem}
.calc-actions .btn{min-height:52px}
@media(max-width:759px){
  .calc-actions{flex-direction:column;align-items:stretch}
  .calc-actions .btn{width:100%;font-size:1.08rem;padding:1rem 1.6rem}
}
.results{display:none;background:#fff;border:2px solid var(--teal);border-radius:var(--radius);padding:1.4rem;margin-top:1.3rem;scroll-margin-top:80px}
.results.show{display:block}
.results h3{margin-top:0;color:var(--teal-dark);font-size:1.25rem}
.result-summary{font-size:1.12rem;line-height:1.55;color:var(--navy);font-weight:700;background:var(--teal-light);border-radius:8px;padding:.9rem 1.1rem;margin:0 0 1rem}
.result-row{display:flex;justify-content:space-between;gap:1rem;padding:.55rem 0;border-bottom:1px dashed var(--line);font-size:1rem}
.result-row:last-child{border-bottom:none}
.result-row .r-label{color:var(--muted);white-space:nowrap;flex:0 0 auto}
.result-row .r-value{font-weight:800;color:var(--navy);text-align:right;font-size:1.05rem;overflow-wrap:break-word;min-width:0}
.result-row.total .r-value{color:var(--teal-dark);font-size:1.4rem}
.breakdown{margin-top:1rem;background:var(--bg-grey);border-radius:8px;padding:1rem;font-size:.9rem;color:var(--ink)}
.breakdown ol{margin:.4rem 0;padding-left:1.3rem}
.formula{background:#fff;border-left:4px solid var(--teal);padding:.9rem 1.1rem;border-radius:0 8px 8px 0;margin:1.2rem 0;font-size:.96rem}
.formula code{background:var(--bg-grey);padding:.1rem .4rem;border-radius:4px;font-size:.9em}

/* Content */
.prose ul,.prose ol{padding-left:1.4rem}
.prose li{margin-bottom:.45rem}
.faq{margin-top:1rem}
.faq details{border:1px solid var(--line);border-radius:8px;margin-bottom:.6rem;background:#fff}
.faq summary{cursor:pointer;font-weight:700;color:var(--navy);padding:.85rem 1rem;list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary::before{content:"+ ";color:var(--teal);font-weight:800}
.faq details[open] summary::before{content:"– "}
.faq details p{padding:0 1rem 1rem;margin:0;color:var(--ink)}
.example{background:var(--teal-light);border-radius:var(--radius);padding:1.2rem;margin:1.2rem 0}
.example h3{margin-top:0}
.breadcrumbs{font-size:.88rem;color:var(--muted);margin:1.1rem 0 0}
.breadcrumbs a{color:var(--teal-dark)}
.related{display:grid;gap:.9rem;grid-template-columns:1fr;margin-top:1rem}
@media(min-width:640px){.related{grid-template-columns:repeat(3,1fr)}}
.related a{display:block;background:#fff;border:1px solid var(--line);border-radius:8px;padding:.9rem 1rem;color:var(--navy);font-weight:600;box-shadow:var(--shadow)}
.related a:hover{border-color:var(--teal);text-decoration:none}
.related small{display:block;color:var(--muted);font-weight:400}

/* Filter chips */
.chips{display:flex;gap:.6rem;flex-wrap:wrap;margin:1.2rem 0}
.chip{background:#fff;border:2px solid var(--line);border-radius:999px;padding:.45rem 1.1rem;font-weight:600;font-size:.92rem;cursor:pointer;color:var(--ink)}
.chip-icon{display:inline-flex;vertical-align:-3px;margin-right:.35rem;color:var(--teal-dark)}
.chip[aria-pressed="true"] .chip-icon{color:#fff}
.chip-icon svg{width:16px;height:16px;display:block}
.chip[aria-pressed="true"]{background:var(--teal-dark);border-color:var(--teal-dark);color:#fff}
.chip:hover{border-color:var(--teal)}

/* Footer */
.site-footer{background:var(--navy);color:#cbd5e1;margin-top:3rem}
.footer-inner{max-width:var(--max);margin:0 auto;padding:2.5rem 1rem 1.5rem;display:grid;gap:2rem;grid-template-columns:1fr}
@media(min-width:860px){.footer-inner{grid-template-columns:2fr 1fr 1fr 1fr}}
.site-footer h3{color:#fff;font-size:1rem;margin-bottom:.8rem}
.site-footer ul{list-style:none;margin:0;padding:0}
.site-footer li{margin-bottom:.45rem}
.site-footer a{color:#cbd5e1;font-size:.93rem}
.site-footer a:hover{color:#fff}
.footer-bottom{border-top:1px solid rgba(255,255,255,.14);padding:1.1rem;text-align:center;font-size:.85rem;color:#94a3b8}

/* AdSense placeholder (disabled until publisher ID is added) */
.ad-slot{display:none}

/* Tables */
table{width:100%;border-collapse:collapse;margin:1rem 0;font-size:.95rem}
th,td{border:1px solid var(--line);padding:.6rem .8rem;text-align:left}
th{background:var(--bg-grey);color:var(--navy)}

/* Utility */
.mt-2{margin-top:2rem}
.note{background:#fffbeb;border:1px solid #fde68a;border-radius:8px;padding:.9rem 1.1rem;font-size:.93rem;margin:1.2rem 0}
.skip-link{position:absolute;left:-9999px;top:0;background:var(--teal);color:#fff;padding:.6rem 1rem;z-index:100}
.skip-link:focus{left:0}

/* Table of contents */
.toc{background:var(--bg-grey);border:1px solid var(--line);border-radius:var(--radius);padding:1rem 1.3rem;margin:1.3rem 0;max-width:720px}
.toc strong{color:var(--navy);font-size:.95rem}
.toc ul{margin:.6rem 0 0;padding-left:1.2rem;columns:1}
@media(min-width:640px){.toc ul{columns:2;column-gap:2rem}}
.toc li{margin-bottom:.35rem;font-size:.92rem;break-inside:avoid}
.toc a{color:var(--teal-dark)}

/* Back to top */
#to-top{position:fixed;right:1.1rem;bottom:1.1rem;width:46px;height:46px;border-radius:50%;border:none;background:var(--navy);color:#fff;cursor:pointer;display:none;align-items:center;justify-content:center;box-shadow:0 4px 14px rgba(0,0,0,.25);z-index:50}
#to-top.show{display:flex}
#to-top:hover{background:var(--teal-dark)}

/* Anchored headings clear the sticky header */
h2[id]{scroll-margin-top:90px}

/* Visible keyboard focus */
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid rgba(14,147,132,.55);outline-offset:2px}

/* Article freshness + hero trust line + author byline */
.updated{font-size:.88rem;color:var(--muted);margin:-.4rem 0 1rem}
.byline{font-size:.88rem;color:var(--muted);margin:-.4rem 0 1rem}
.byline strong{color:var(--navy);font-weight:700}
.byline-sep{margin:0 .25rem}
.hero-trust{color:#e2e8f0;font-size:.95rem;margin:0;letter-spacing:.01em}

/* Avoid widows/orphans in article text */
.prose li,.example p,.breakdown li,.result-summary{text-wrap:pretty}

/* Desktop: calculator form left, sticky results right */
@media(min-width:1024px){
  .section{padding:3rem 0}
  .calc-side{display:grid;grid-template-columns:minmax(0,1fr) 360px;gap:2rem;align-items:start}
  .calc-side .results{position:sticky;top:78px;margin-top:0}
  .calc-side form{margin:0}
}