:root {
  --ink: #16201c;
  --muted: #68736e;
  --line: #d8d0bf;
  --paper: #f6f1e7;
  --paper-2: #fffaf1;
  --green: #123f35;
  --green-2: #0f6a54;
  --gold: #d99a2b;
  --blue: #24476f;
  --red: #9f4d32;
  --shadow: 0 18px 44px rgba(37, 31, 20, .08);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--ink);
  background:
    linear-gradient(90deg, rgba(18, 63, 53, .035) 1px, transparent 1px),
    linear-gradient(180deg, rgba(18, 63, 53, .035) 1px, transparent 1px),
    var(--paper);
  background-size: 42px 42px;
  font-family: "Avenir Next", "Trebuchet MS", "Segoe UI", sans-serif;
  line-height: 1.55;
}

a {
  color: inherit;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: 28px;
  min-height: 78px;
  padding: 12px clamp(18px, 4vw, 56px);
  background: rgba(18, 63, 53, .96);
  border-bottom: 1px solid rgba(217, 154, 43, .28);
  backdrop-filter: blur(12px);
}

.brand {
  display: inline-flex;
  align-items: center;
  min-width: max-content;
  text-decoration: none;
}

.brand-logo {
  display: block;
  width: 258px;
  height: auto;
}

.nav {
  display: flex;
  justify-content: center;
  gap: 24px;
  color: rgba(255, 255, 255, .74);
  font-size: 14px;
}

.nav a,
.footer a {
  text-decoration: none;
}

.nav a:hover,
.footer a:hover {
  color: #ffd989;
}

.header-cta,
.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  padding: 0 18px;
  border: 1px solid transparent;
  border-radius: 6px;
  font-weight: 850;
  text-decoration: none;
}

.header-cta,
.button.primary {
  color: #161b17;
  background: #f0bd63;
}

.button.secondary {
  color: #fff;
  background: rgba(255, 255, 255, .08);
  border-color: rgba(255, 255, 255, .28);
}

.section .button.secondary,
.offer-card .button.secondary {
  color: var(--ink);
  background: #fff;
  border-color: var(--line);
}

.hero {
  display: grid;
  grid-template-columns: minmax(0, .95fr) minmax(420px, .8fr);
  gap: clamp(24px, 5vw, 64px);
  align-items: start;
  padding: clamp(44px, 7vw, 86px) clamp(18px, 5vw, 72px) 34px;
  background:
    linear-gradient(115deg, rgba(18, 63, 53, .98), rgba(18, 63, 53, .92) 58%, rgba(36, 71, 111, .92)),
    var(--green);
  border-bottom: 1px solid rgba(217, 154, 43, .25);
  color: #fff;
}

.hero-copy {
  max-width: 760px;
}

.eyebrow {
  margin: 0 0 12px;
  color: #f0bd63;
  font-size: 12px;
  font-weight: 900;
  letter-spacing: .13em;
  text-transform: uppercase;
}

h1,
h2,
h3,
p {
  margin-top: 0;
}

h1 {
  max-width: 780px;
  margin-bottom: 18px;
  font-size: clamp(42px, 6vw, 74px);
  line-height: .96;
  letter-spacing: -.02em;
}

h2 {
  margin-bottom: 12px;
  font-size: clamp(28px, 3.6vw, 48px);
  line-height: 1.05;
  letter-spacing: -.015em;
}

h3 {
  margin-bottom: 10px;
  font-size: 22px;
  line-height: 1.15;
}

.hero-lead {
  max-width: 660px;
  color: rgba(255, 255, 255, .78);
  font-size: clamp(18px, 2vw, 21px);
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin: 28px 0 10px;
}

.affiliate-note {
  max-width: 580px;
  margin: 0 0 24px;
  color: rgba(255, 255, 255, .62);
  font-size: 13px;
}

.trust-row {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 8px;
  padding: 0;
  margin: 0;
  list-style: none;
}

.trust-row li {
  min-height: 82px;
  padding: 13px;
  background: rgba(255, 255, 255, .08);
  border: 1px solid rgba(255, 255, 255, .16);
  border-radius: 6px;
}

.trust-row span,
.trust-row strong {
  display: block;
}

.trust-row span {
  color: rgba(255, 255, 255, .62);
  font-size: 12px;
}

.trust-row strong {
  color: #f6ca7b;
  font-size: 18px;
  line-height: 1.2;
}

.hero-panel {
  padding: 20px;
  background: #fffaf1;
  border: 1px solid #e6d7b7;
  border-radius: 6px;
  box-shadow: 0 24px 70px rgba(0, 0, 0, .22);
  color: var(--ink);
}

.panel-top {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  padding-bottom: 14px;
  border-bottom: 1px solid var(--line);
  color: var(--muted);
  font-size: 13px;
}

.panel-top strong {
  color: var(--green);
  text-transform: uppercase;
}

.quick-form {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px;
  margin: 16px 0;
}

.quick-form label {
  display: block;
  min-height: 92px;
  padding: 14px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 6px;
}

.quick-form span {
  display: block;
  margin-bottom: 8px;
  color: var(--muted);
  font-size: 12px;
}

.quick-form strong {
  display: block;
  font-size: 20px;
  line-height: 1.2;
}

.decision-list {
  display: grid;
  gap: 8px;
  padding-top: 6px;
}

.decision-list div {
  display: grid;
  grid-template-columns: 34px 1fr;
  gap: 10px;
  align-items: start;
  padding: 12px;
  background: #f4ead8;
  border-radius: 6px;
}

.decision-list span {
  display: grid;
  place-items: center;
  width: 30px;
  height: 30px;
  color: #fff;
  background: var(--green);
  border-radius: 50%;
  font-size: 12px;
  font-weight: 900;
}

.decision-list p {
  margin: 0;
  color: #4d5852;
  font-size: 14px;
}

.panel-cta,
.calc-cta {
  width: 100%;
  margin-top: 14px;
}

.rate-strip,
.warning-strip,
.section {
  margin: 0 clamp(18px, 5vw, 72px);
}

.rate-strip {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  margin-top: -18px;
  overflow: hidden;
  background: var(--line);
  border: 1px solid var(--line);
  border-radius: 6px;
  box-shadow: var(--shadow);
}

.rate-strip div {
  padding: 16px;
  background: #fffaf1;
}

.rate-strip span,
.rate-strip strong {
  display: block;
}

.rate-strip span {
  color: var(--muted);
  font-size: 12px;
}

.rate-strip strong {
  font-size: 15px;
}

.warning-strip {
  display: grid;
  grid-template-columns: auto 1fr auto;
  gap: 12px;
  align-items: start;
  margin-top: 20px;
  padding: 16px;
  background: #fff6dc;
  border: 1px solid #e0bf68;
  border-radius: 6px;
}

.warning-strip strong {
  color: var(--red);
}

.warning-cta {
  min-height: 42px;
  color: #161b17;
  background: #f0bd63;
  white-space: nowrap;
}

.review-card {
  display: grid;
  grid-template-columns: 1fr .86fr;
  gap: 24px;
  margin: 22px clamp(18px, 5vw, 72px) 0;
  padding: 22px;
  background: #fffaf1;
  border: 1px solid var(--line);
  border-radius: 6px;
  box-shadow: var(--shadow);
}

.review-card h2 {
  font-size: clamp(26px, 3vw, 38px);
}

.review-card p {
  color: var(--muted);
}

.review-meta {
  display: grid;
  gap: 10px;
  margin: 0;
}

.review-meta div {
  padding: 12px;
  background: #f4ead8;
  border-radius: 6px;
}

.review-meta dt {
  color: var(--muted);
  font-size: 12px;
}

.review-meta dd {
  margin: 0;
  font-weight: 850;
}

.section {
  padding: clamp(56px, 7vw, 88px) 0 0;
}

.section-heading {
  max-width: 820px;
  margin-bottom: 24px;
}

.section-heading p,
.calculator-copy p,
.authority p {
  color: var(--muted);
  font-size: 18px;
}

.offer-grid {
  display: grid;
  grid-template-columns: 1.1fr 1fr 1fr;
  gap: 12px;
}

.offer-card,
.guide-grid article,
.calculator,
.source-note,
.authority,
.faq details {
  background: #fffaf1;
  border: 1px solid var(--line);
  border-radius: 6px;
  box-shadow: var(--shadow);
}

.offer-card {
  padding: 20px;
}

.offer-card.featured {
  color: #fff;
  background: var(--green);
  border-color: #316b5c;
}

.offer-card.featured p,
.offer-card.featured dt {
  color: rgba(255, 255, 255, .72);
}

.offer-badge {
  display: inline-flex;
  margin-bottom: 14px;
  padding: 5px 9px;
  color: #2b2110;
  background: #f0bd63;
  border-radius: 999px;
  font-size: 12px;
  font-weight: 900;
}

.offer-card dl {
  display: grid;
  gap: 8px;
  margin: 20px 0;
}

.offer-card dl div {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  padding-bottom: 8px;
  border-bottom: 1px solid rgba(104, 115, 110, .22);
}

.offer-card dt {
  color: var(--muted);
}

.offer-card dd {
  margin: 0;
  font-weight: 900;
  text-align: right;
}

.calculator-section {
  display: grid;
  grid-template-columns: .85fr 1fr;
  gap: clamp(20px, 5vw, 56px);
  align-items: start;
}

.source-note {
  padding: 16px;
  border-left: 5px solid var(--gold);
}

.source-note strong,
.source-note span {
  display: block;
}

.source-note span {
  color: var(--muted);
}

.calculator {
  display: grid;
  gap: 14px;
  padding: 22px;
}

.calculator label span {
  display: block;
  margin-bottom: 7px;
  color: var(--muted);
  font-weight: 800;
}

.calculator input {
  width: 100%;
  min-height: 52px;
  padding: 0 13px;
  color: var(--ink);
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 6px;
  font: inherit;
  font-weight: 900;
}

.calculator input:focus {
  outline: 3px solid rgba(15, 106, 84, .18);
  border-color: var(--green-2);
}

.calc-result {
  padding: 22px;
  color: #fff;
  background: var(--green);
  border-radius: 6px;
}

.calc-result span,
.calc-result small,
.calc-result strong {
  display: block;
}

.calc-result span,
.calc-result small {
  color: rgba(255, 255, 255, .72);
}

.calc-result strong {
  color: #f6ca7b;
  font-size: clamp(34px, 5vw, 52px);
  line-height: 1;
}

.guide-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 12px;
}

.guide-grid article {
  padding: 20px;
}

.step {
  display: inline-grid;
  place-items: center;
  width: 42px;
  height: 42px;
  margin-bottom: 16px;
  color: #fff;
  background: var(--blue);
  border-radius: 50%;
  font-weight: 900;
}

.method-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 12px;
}

.method-grid article {
  padding: 18px;
  background: #fffaf1;
  border: 1px solid var(--line);
  border-radius: 6px;
  box-shadow: var(--shadow);
}

.method-grid strong,
.method-grid span {
  display: block;
}

.method-grid strong {
  color: var(--green);
  font-size: 28px;
}

.method-grid span {
  margin: 6px 0;
  font-weight: 900;
}

.method-grid p {
  margin: 0;
  color: var(--muted);
  font-size: 14px;
}

.deep-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 12px;
}

.deep-grid article {
  padding: 20px;
  background: #fffaf1;
  border: 1px solid var(--line);
  border-radius: 6px;
  box-shadow: var(--shadow);
}

.deep-grid p {
  color: #4d5852;
}

.cta-band,
.soft-cta {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  margin-top: 18px;
  padding: 18px;
  background: #fffaf1;
  border: 1px solid var(--line);
  border-radius: 6px;
  box-shadow: var(--shadow);
}

.cta-band strong,
.cta-band span {
  display: block;
}

.cta-band strong {
  font-size: 20px;
}

.cta-band span,
.soft-cta p {
  color: var(--muted);
}

.soft-cta p {
  max-width: 720px;
  margin: 0;
}

.table-wrap {
  overflow-x: auto;
  background: #fffaf1;
  border: 1px solid var(--line);
  border-radius: 6px;
  box-shadow: var(--shadow);
}

table {
  width: 100%;
  min-width: 760px;
  border-collapse: collapse;
}

th,
td {
  padding: 16px;
  text-align: left;
  border-bottom: 1px solid var(--line);
  vertical-align: top;
}

th {
  color: #fff;
  background: var(--green);
}

tr:last-child td {
  border-bottom: 0;
}

.city-cloud {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}

.city-cloud span {
  padding: 9px 12px;
  background: #fffaf1;
  border: 1px solid var(--line);
  border-radius: 999px;
  font-weight: 850;
}

.topic-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 10px;
}

.topic-grid a {
  min-height: 72px;
  padding: 14px;
  background: #fffaf1;
  border: 1px solid var(--line);
  border-radius: 6px;
  box-shadow: var(--shadow);
  font-weight: 900;
  text-decoration: none;
}

.topic-grid a:hover {
  border-color: var(--gold);
}

.content-page {
  max-width: 980px;
  margin: 0 auto;
  padding: clamp(42px, 7vw, 86px) clamp(18px, 5vw, 40px);
}

.content-page h1 {
  color: var(--green);
}

.content-page article {
  padding: clamp(20px, 4vw, 34px);
  background: #fffaf1;
  border: 1px solid var(--line);
  border-radius: 6px;
  box-shadow: var(--shadow);
}

.content-page section {
  margin-top: 30px;
}

.content-page h2 {
  margin-top: 34px;
  color: var(--green);
}

.content-page h3 {
  margin-bottom: 8px;
}

.content-page p,
.content-page li {
  color: #4d5852;
}

.mini-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin: 22px 0;
}

.mini-nav a,
.topic-pill {
  padding: 9px 12px;
  color: var(--green);
  background: #f4ead8;
  border: 1px solid var(--line);
  border-radius: 999px;
  font-size: 14px;
  font-weight: 850;
  text-decoration: none;
}

.quick-summary,
.source-box,
.note-box {
  padding: 18px;
  background: #f4ead8;
  border: 1px solid var(--line);
  border-radius: 6px;
}

.quick-summary {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  padding: 0;
  overflow: hidden;
  background: var(--line);
}

.quick-summary div {
  padding: 16px;
  background: #f4ead8;
}

.quick-summary strong {
  display: block;
  color: var(--green);
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: .04em;
}

.info-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 14px;
}

.info-grid article,
.checklist-card {
  padding: 18px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 6px;
}

.checklist-card ul,
.source-box ul {
  margin-bottom: 0;
}

.source-box a {
  font-weight: 850;
}

.content-table {
  overflow-x: auto;
  margin-top: 18px;
  border: 1px solid var(--line);
  border-radius: 6px;
}

.content-table table {
  min-width: 680px;
  background: #fffaf1;
}

.faq-mini details {
  margin-top: 10px;
  padding: 14px 16px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 6px;
}

.faq-mini summary {
  cursor: pointer;
  font-weight: 850;
}

.term-list {
  display: grid;
  gap: 12px;
}

.term-list div {
  padding: 16px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 6px;
}

.term-list dt {
  color: var(--green);
  font-weight: 900;
}

.term-list dd {
  margin: 6px 0 0;
  color: #4d5852;
}

.quote-box {
  padding: 20px;
  color: #fff;
  background: var(--green);
  border-radius: 6px;
}

.quote-box p {
  color: rgba(255, 255, 255, .78);
}

.page-footer-nav {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 10px;
  margin-top: 26px;
}

.page-footer-nav a {
  padding: 13px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 6px;
  font-weight: 850;
  text-decoration: none;
}

.content-page .page-cta {
  display: flex;
  gap: 12px;
  align-items: center;
  justify-content: space-between;
  margin-top: 24px;
  padding: 18px;
  background: #f4ead8;
  border-radius: 6px;
}

.authority {
  display: grid;
  grid-template-columns: .9fr 1fr;
  gap: 26px;
  padding: 26px;
  color: #fff;
  background: var(--green);
  border-color: #316b5c;
}

.authority p {
  color: rgba(255, 255, 255, .72);
}

.source-list {
  display: grid;
  gap: 10px;
}

.source-list a {
  padding: 13px;
  color: var(--ink);
  background: #fffaf1;
  border: 1px solid rgba(255, 255, 255, .25);
  border-radius: 6px;
  font-weight: 900;
  text-decoration: none;
}

.faq-list {
  display: grid;
  gap: 10px;
}

.faq details {
  padding: 17px 19px;
}

.faq summary {
  cursor: pointer;
  font-weight: 900;
  font-size: 18px;
}

.faq p {
  margin: 12px 0 0;
  color: var(--muted);
}

.footer {
  display: grid;
  grid-template-columns: 1.2fr .7fr 1fr;
  gap: 34px;
  margin-top: clamp(56px, 8vw, 98px);
  padding: 40px clamp(18px, 5vw, 72px) 96px;
  color: rgba(255, 255, 255, .76);
  background: var(--green);
  border-top: 1px solid rgba(217, 154, 43, .28);
}

.footer strong,
.footer h2 {
  color: #fff;
}

.footer h2 {
  margin-bottom: 12px;
  font-size: 18px;
}

.footer a {
  display: block;
  margin-bottom: 8px;
}

.mobile-cta {
  display: none;
}

@media (max-width: 1080px) {
  .hero,
  .calculator-section,
  .review-card,
  .authority,
  .footer {
    grid-template-columns: 1fr;
  }

  .offer-grid,
  .guide-grid,
  .method-grid,
  .topic-grid,
  .deep-grid,
  .rate-strip {
    grid-template-columns: repeat(2, 1fr);
  }

  .trust-row {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 860px) {
  .site-header {
    grid-template-columns: 1fr;
  }

  .nav,
  .header-cta {
    display: none;
  }
}

@media (max-width: 680px) {
  body {
    padding-bottom: 76px;
  }

  .site-header {
    min-height: 68px;
  }

  .brand-logo {
    width: 232px;
  }

  .hero {
    padding-top: 34px;
  }

  h1 {
    font-size: 40px;
  }

  .hero-actions,
  .button {
    width: 100%;
  }

  .trust-row,
  .quick-form,
  .offer-grid,
  .guide-grid,
  .method-grid,
  .topic-grid,
  .quick-summary,
  .info-grid,
  .page-footer-nav,
  .deep-grid,
  .rate-strip {
    grid-template-columns: 1fr;
  }

  .hero-panel {
    padding: 16px;
  }

  .warning-strip {
    grid-template-columns: 1fr;
  }

  .cta-band,
  .soft-cta,
  .content-page .page-cta {
    align-items: stretch;
    flex-direction: column;
  }

  .warning-cta {
    width: 100%;
  }

  .mobile-cta {
    position: fixed;
    right: 0;
    bottom: 0;
    left: 0;
    z-index: 30;
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 8px;
    padding: 10px;
    background: rgba(18, 63, 53, .96);
    border-top: 1px solid rgba(217, 154, 43, .28);
  }

  .mobile-cta a {
    display: grid;
    place-items: center;
    min-height: 52px;
    color: #161b17;
    background: #f0bd63;
    border-radius: 6px;
    font-weight: 900;
    text-decoration: none;
  }
}