/*
Theme Name: GCVibe Lite
Theme URI: https://gcvibe.com/
Author: GCVibe
Description: Purpose-built, dependency-free theme for GCVibe Nigeria.
Version: 1.1.7
Text Domain: gcvibe
*/

:root {
  --ink: #081426;
  --muted: #5d6b82;
  --blue: #315ff4;
  --blue-dark: #1738aa;
  --mint: #24d9aa;
  --coral: #ff7048;
  --paper: #ffffff;
  --mist: #f3f7ff;
  --line: #dce5f3;
  --radius: 22px;
  --shadow: 0 24px 70px rgba(20, 47, 106, .12);
  --wrap: min(1160px, calc(100% - 40px));
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font-family: "Avenir Next", "Segoe UI", Arial, sans-serif;
  font-size: 17px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
body.nav-open { overflow: hidden; }
a { color: var(--blue-dark); text-decoration-thickness: .08em; text-underline-offset: .18em; }
img { max-width: 100%; height: auto; }
button, input, select { font: inherit; }
:focus-visible { outline: 3px solid var(--coral); outline-offset: 3px; }
.wrap { width: var(--wrap); margin-inline: auto; }
.skip-link { position: fixed; left: 14px; top: -100px; z-index: 1000; background: var(--ink); color: white; padding: 10px 16px; border-radius: 8px; }
.skip-link:focus { top: 14px; }

.site-header { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.94); border-bottom: 1px solid rgba(220,229,243,.85); backdrop-filter: blur(14px); }
.header-inner { min-height: 78px; display: flex; align-items: center; gap: 34px; }
.brand { display: inline-flex; align-items: center; gap: 10px; color: var(--ink); text-decoration: none; font-weight: 900; letter-spacing: -.04em; font-size: 24px; }
.brand-mark { width: 34px; aspect-ratio: 1; display: grid; place-items: center; border-radius: 11px 11px 11px 3px; color: white; background: linear-gradient(145deg,var(--blue),#6a7dff); font-size: 15px; letter-spacing: -.08em; box-shadow: 0 9px 24px rgba(49,95,244,.28); }
.main-nav { margin-left: auto; display: flex; align-items: center; gap: 25px; }
.main-nav a { color: #2c3850; text-decoration: none; font-size: 15px; font-weight: 750; }
.main-nav a:hover { color: var(--blue); }
.menu-toggle { display: none; margin-left: auto; width: 44px; height: 44px; border: 1px solid var(--line); background: white; border-radius: 12px; color: var(--ink); }

.hero { position: relative; overflow: hidden; padding: 82px 0 62px; background: radial-gradient(circle at 92% 12%, rgba(36,217,170,.16), transparent 26%), radial-gradient(circle at 8% 88%, rgba(255,112,72,.10), transparent 24%), var(--mist); }
.hero-grid { display: grid; grid-template-columns: 1.02fr .98fr; gap: 50px; align-items: center; }
.eyebrow { display: inline-flex; align-items: center; gap: 9px; margin: 0 0 18px; color: var(--blue-dark); font-size: 13px; font-weight: 900; letter-spacing: .12em; text-transform: uppercase; }
.eyebrow::before { content: ""; width: 9px; height: 9px; border-radius: 50%; background: var(--mint); box-shadow: 0 0 0 5px rgba(36,217,170,.14); }
h1,h2,h3 { margin-top: 0; line-height: 1.08; letter-spacing: -.045em; }
h1 { max-width: 730px; margin-bottom: 24px; font-size: clamp(48px, 6.4vw, 84px); font-weight: 900; }
h2 { font-size: clamp(34px, 4vw, 55px); font-weight: 900; }
h3 { font-size: 23px; font-weight: 850; }
.accent { color: var(--blue); }
.hero-copy { max-width: 620px; color: var(--muted); font-size: 19px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin: 30px 0 0; }
.button { display: inline-flex; align-items: center; justify-content: center; gap: 9px; min-height: 52px; padding: 0 23px; border: 0; border-radius: 14px; text-decoration: none; font-weight: 850; cursor: pointer; transition: transform .18s ease, box-shadow .18s ease, background .18s ease; }
.button:hover { transform: translateY(-2px); }
.button-primary { color: white; background: var(--blue); box-shadow: 0 16px 34px rgba(49,95,244,.27); }
.button-primary:hover { background: var(--blue-dark); }
.button-secondary { color: var(--ink); background: white; border: 1px solid var(--line); }
.hero-note { margin: 17px 0 0; color: #6d7990; font-size: 13px; }
.hero-visual { position: relative; padding: 34px 0 12px; }
.hero-visual img { position: relative; z-index: 2; filter: drop-shadow(0 35px 50px rgba(33,72,145,.18)); }
.hero-visual::before { content: ""; position: absolute; inset: 8% 9% 5%; border-radius: 50%; background: rgba(255,255,255,.82); box-shadow: var(--shadow); }
.rate-stamp { position: absolute; right: 3%; bottom: 10%; z-index: 3; width: 156px; padding: 15px 17px; border: 1px solid rgba(220,229,243,.8); border-radius: 18px; background: rgba(255,255,255,.92); box-shadow: var(--shadow); transform: rotate(3deg); }
.rate-stamp small { display: block; color: var(--muted); font-weight: 700; font-size: 11px; text-transform: uppercase; letter-spacing: .08em; }
.rate-stamp strong { display: block; margin-top: 3px; color: var(--blue); font-size: 22px; letter-spacing: -.04em; }

.brand-strip { padding: 24px 0; border-block: 1px solid var(--line); background: white; }
.strip-inner { display: grid; grid-template-columns: 1.2fr repeat(4,1fr); align-items: center; gap: 22px; }
.strip-label { color: var(--muted); font-size: 13px; font-weight: 800; text-transform: uppercase; letter-spacing: .1em; }
.brand-chip { color: #344159; font-size: 16px; font-weight: 850; text-align: center; }

.section { padding: 96px 0; }
.section-tinted { background: var(--mist); }
.section-head { display: flex; justify-content: space-between; gap: 35px; align-items: end; margin-bottom: 38px; }
.section-head h2 { max-width: 720px; margin-bottom: 0; }
.section-head p { max-width: 410px; margin: 0; color: var(--muted); }
.rate-board { overflow: hidden; border: 1px solid var(--line); border-radius: 26px; background: white; box-shadow: var(--shadow); }
.rate-row { display: grid; grid-template-columns: 1.4fr 1fr .8fr; align-items: center; gap: 24px; padding: 20px 28px; border-bottom: 1px solid var(--line); }
.rate-row:last-child { border-bottom: 0; }
.rate-row-head { color: #7a869d; background: #f9fbff; font-size: 12px; font-weight: 900; letter-spacing: .1em; text-transform: uppercase; }
.rate-brand { display: flex; align-items: center; gap: 13px; font-weight: 900; }
.rate-icon { width: 39px; height: 39px; display: grid; place-items: center; border-radius: 12px; background: var(--mist); color: var(--blue); font-size: 13px; font-weight: 900; }
.rate-value { color: var(--blue-dark); font-size: 20px; font-weight: 950; }
.rate-type { color: var(--muted); font-size: 14px; }
.rate-disclaimer { margin: 16px 0 0; color: var(--muted); font-size: 13px; }

.steps { display: grid; grid-template-columns: repeat(3,1fr); gap: 20px; counter-reset: steps; }
.step { position: relative; padding: 30px; border: 1px solid var(--line); border-radius: var(--radius); background: white; counter-increment: steps; }
.step::before { content: counter(steps); width: 43px; height: 43px; display: grid; place-items: center; margin-bottom: 44px; border-radius: 50%; color: white; background: var(--ink); font-weight: 900; }
.step:not(:last-child)::after { content: ""; position: absolute; top: 51px; right: -21px; z-index: 2; width: 42px; border-top: 2px dashed #b8c6dc; }
.step p { margin-bottom: 0; color: var(--muted); }

.trust-grid { display: grid; grid-template-columns: .8fr 1.2fr; gap: 62px; align-items: center; }
.trust-portrait { position: relative; min-height: 440px; display: grid; place-items: center; border-radius: 34px; overflow: hidden; background: linear-gradient(145deg,#111b2c,#263b61); }
.trust-portrait img { max-height: 420px; width: auto; filter: drop-shadow(0 25px 30px rgba(0,0,0,.25)); }
.trust-badge { position: absolute; left: 24px; bottom: 24px; padding: 14px 17px; border-radius: 15px; background: white; font-size: 13px; font-weight: 850; }
.trust-list { display: grid; grid-template-columns: repeat(2,1fr); gap: 20px; margin-top: 32px; }
.trust-item { padding: 22px; border-top: 3px solid var(--mint); background: white; box-shadow: 0 14px 36px rgba(25,49,99,.08); }
.trust-item p { margin: 8px 0 0; color: var(--muted); font-size: 14px; }

.faq { max-width: 900px; margin-inline: auto; }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary { padding: 23px 38px 23px 0; list-style: none; cursor: pointer; font-weight: 850; position: relative; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 2px; top: 19px; width: 28px; height: 28px; display: grid; place-items: center; border-radius: 50%; color: var(--blue); background: var(--mist); }
.faq details[open] summary::after { content: "−"; }
.faq details p { max-width: 760px; margin: -4px 0 24px; color: var(--muted); }

.cta-panel { display: grid; grid-template-columns: 1fr auto; align-items: center; gap: 40px; padding: 52px; border-radius: 30px; color: white; background: radial-gradient(circle at 90% 0,rgba(36,217,170,.35),transparent 26%), var(--ink); }
.cta-panel h2 { margin-bottom: 10px; }
.cta-panel p { margin: 0; color: #bfcbe0; }

.page-hero { padding: 74px 0 46px; background: var(--mist); }
.page-hero h1 { max-width: 900px; font-size: clamp(42px,6vw,72px); }
.page-hero p { max-width: 720px; color: var(--muted); font-size: 19px; }
.content-grid { display: grid; grid-template-columns: minmax(0,1fr) 300px; gap: 55px; }
.prose { max-width: 780px; }
.prose h2 { margin-top: 1.6em; font-size: 38px; }
.prose h3 { margin-top: 1.5em; }
.prose p, .prose li { color: #3d4960; }
.prose img { border-radius: 18px; }

.calculator-shell { display: grid; grid-template-columns: 1.05fr .95fr; gap: 0; overflow: hidden; border: 1px solid var(--line); border-radius: 30px; background: white; box-shadow: var(--shadow); }
.calc-form { padding: 38px; }
.calc-result { padding: 38px; color: white; background: radial-gradient(circle at 100% 0,rgba(36,217,170,.32),transparent 30%),var(--ink); }
.field { margin-bottom: 20px; }
.field label { display: block; margin-bottom: 7px; font-size: 13px; font-weight: 850; }
.field select,.field input { width: 100%; min-height: 52px; padding: 0 15px; border: 1px solid var(--line); border-radius: 13px; color: var(--ink); background: white; }
.result-label { color: #aebbd0; font-size: 13px; font-weight: 800; text-transform: uppercase; letter-spacing: .1em; }
.result-amount { margin: 14px 0; font-size: clamp(42px,6vw,70px); font-weight: 950; letter-spacing: -.06em; line-height: 1; }
.result-rate { margin-bottom: 28px; color: #c9d4e5; }
.result-note { padding-top: 22px; border-top: 1px solid rgba(255,255,255,.15); color: #aebbd0; font-size: 13px; }
.calc-result .button { width: 100%; margin-top: 20px; }

.posts-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; }
.post-card { overflow: hidden; border: 1px solid var(--line); border-radius: 20px; background: white; }
.post-card img { width: 100%; aspect-ratio: 16/10; object-fit: contain; background: #f4f7fb; }
.post-card-body { padding: 23px; }
.post-meta { color: var(--muted); font-size: 13px; font-weight: 750; }
.post-card h2 { margin: 9px 0 12px; font-size: 25px; }
.post-card h2 a { color: var(--ink); text-decoration: none; }
.post-card p { color: var(--muted); font-size: 15px; }

/* Guide desk */
.screen-reader-text { position: absolute !important; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }
.guide-hub-hero,.archive-hero,.article-hero { position: relative; overflow: hidden; color: white; background: #081426; }
.guide-hub-hero::before,.archive-hero::before,.article-hero::before { content: ""; position: absolute; inset: 0; pointer-events: none; background: radial-gradient(circle at 86% 18%,rgba(36,217,170,.18),transparent 25%),linear-gradient(115deg,transparent 60%,rgba(49,95,244,.14)); }
.guide-hub-hero { padding: 88px 0 76px; }
.guide-hub-grid { position: relative; display: grid; grid-template-columns: 1.15fr .85fr; gap: 84px; align-items: end; }
.guide-hub-hero h1 { max-width: 720px; margin-bottom: 24px; font-size: clamp(48px,6vw,76px); text-wrap: balance; }
.guide-hub-intro { max-width: 670px; margin: 0; color: #c7d2e5; font-size: 19px; text-wrap: pretty; }
.eyebrow-on-dark { color: #dce6f7; }
.guide-search-panel { padding: 28px; border: 1px solid rgba(255,255,255,.13); border-radius: 22px; background: rgba(255,255,255,.07); backdrop-filter: blur(14px); }
.guide-search-label { margin: 0 0 11px; color: #aebbd0; font-size: 12px; font-weight: 900; letter-spacing: .1em; text-transform: uppercase; }
.guide-search { display: grid; grid-template-columns: 1fr auto; gap: 8px; }
.guide-search input { min-width: 0; min-height: 54px; padding: 0 16px; border: 1px solid rgba(255,255,255,.15); border-radius: 12px; color: var(--ink); background: white; }
.guide-search button { min-height: 54px; padding: 0 18px; border: 0; border-radius: 12px; color: white; background: var(--blue); font-weight: 850; cursor: pointer; }
.guide-search button:hover { background: #6c82ff; }
.guide-stats { display: flex; flex-wrap: wrap; gap: 20px; margin-top: 20px; color: #b9c6da; font-size: 13px; }
.guide-stats strong { margin-right: 4px; color: white; font-size: 18px; font-variant-numeric: tabular-nums; }

.topic-rail { border-bottom: 1px solid var(--line); background: white; }
.topic-rail-inner { display: flex; align-items: center; gap: 10px; padding-block: 17px; overflow-x: auto; scrollbar-width: thin; }
.topic-rail-label { flex: 0 0 auto; margin-right: 8px; color: var(--muted); font-size: 12px; font-weight: 900; letter-spacing: .09em; text-transform: uppercase; }
.topic-rail a { flex: 0 0 auto; display: inline-flex; align-items: center; gap: 8px; min-height: 38px; padding: 0 13px; border: 1px solid var(--line); border-radius: 999px; color: #354159; text-decoration: none; font-size: 13px; font-weight: 800; }
.topic-rail a:hover { border-color: var(--blue); color: var(--blue-dark); background: var(--mist); }
.topic-rail a span { display: grid; min-width: 20px; height: 20px; place-items: center; border-radius: 50%; color: #637189; background: var(--mist); font-size: 11px; font-variant-numeric: tabular-nums; }
.topic-rail a.is-current { border-color: var(--blue); color: white; background: var(--blue); }
.topic-rail a.is-current span { color: var(--blue-dark); background: white; }

.guide-library { padding-top: 72px; }
.featured-guide { display: grid; grid-template-columns: 1.12fr .88fr; min-height: 480px; overflow: hidden; border: 1px solid var(--line); border-radius: 28px; background: var(--mist); box-shadow: 0 24px 70px rgba(20,47,106,.10); }
.featured-guide-media { display: grid; min-height: 420px; place-items: center; overflow: hidden; padding: clamp(12px,2vw,22px); background: #f4f7fb; }
.featured-guide-image { display: block; width: 100%; height: 100%; max-height: 520px; object-fit: contain; transition: transform .5s ease; }
.featured-guide:hover .featured-guide-image { transform: scale(1.025); }
.featured-guide-copy { align-self: center; padding: clamp(34px,5vw,62px); }
.guide-kicker { margin: 0 0 12px; color: var(--blue-dark); font-size: 12px !important; font-weight: 900; letter-spacing: .1em; text-transform: uppercase; }
.featured-guide h2 { margin-bottom: 18px; font-size: clamp(34px,4vw,52px); text-wrap: balance; }
.featured-guide h2 a,.guide-card h2 a,.guide-card h3 a { color: var(--ink); text-decoration: none; }
.featured-guide-copy > p:not(.guide-kicker) { color: var(--muted); }
.guide-byline { display: flex; gap: 18px; margin: 22px 0; color: #6e7b91; font-size: 13px; font-weight: 750; }
.text-link { display: inline-flex; align-items: center; gap: 7px; color: var(--blue-dark); font-weight: 900; text-decoration: none; }
.text-link:hover { color: var(--blue); }
.guide-section-head { margin-top: 84px; }
.guide-section-head h2 { font-size: clamp(34px,4vw,50px); }
.guide-grid { display: grid; grid-template-columns: repeat(3,minmax(0,1fr)); gap: 24px; }
.guide-card { min-width: 0; overflow: hidden; border: 1px solid var(--line); border-radius: 20px; background: white; box-shadow: 0 14px 38px rgba(28,51,96,.06); transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease; }
.guide-card:hover { transform: translateY(-4px); border-color: #b9c9e5; box-shadow: 0 20px 48px rgba(28,51,96,.12); }
.guide-card-media { display: grid; aspect-ratio: 16/10; place-items: center; overflow: hidden; padding: 10px; background: #f4f7fb; }
.guide-card-image { display: block; width: 100%; height: 100%; object-fit: contain; transition: transform .45s ease; }
.guide-card:hover .guide-card-image { transform: scale(1.035); }
.guide-card-body { padding: 24px; }
.guide-card h2,.guide-card h3 { margin: 8px 0 13px; font-size: 24px; text-wrap: balance; }
.guide-card-body > p:not(.guide-kicker) { color: var(--muted); font-size: 15px; }
.guide-card-foot { display: flex; align-items: center; justify-content: space-between; gap: 12px; margin-top: 22px; padding-top: 16px; border-top: 1px solid var(--line); color: #728097; font-size: 12px; font-weight: 800; }
.guide-card-foot a { color: var(--blue-dark); text-decoration: none; }
.guide-empty { padding: 60px; border: 1px dashed #b7c6df; border-radius: 24px; text-align: center; background: var(--mist); }
.guide-empty h2 { margin-bottom: 12px; }

.decision-deck { display: grid; grid-template-columns: 1.25fr repeat(3,1fr); overflow: hidden; border: 1px solid var(--line); border-radius: 26px; background: white; box-shadow: var(--shadow); }
.decision-deck-intro { padding: 36px; background: #eef3ff; }
.decision-deck-intro h2 { margin-bottom: 12px; font-size: 36px; }
.decision-deck-intro p:last-child { margin: 0; color: var(--muted); font-size: 14px; }
.decision-step { display: flex; flex-direction: column; justify-content: space-between; min-height: 260px; padding: 30px; border-left: 1px solid var(--line); color: var(--ink); text-decoration: none; }
.decision-step:hover { background: var(--mist); }
.decision-step > span { color: var(--blue); font-size: 13px; font-weight: 900; font-variant-numeric: tabular-nums; }
.decision-step strong { max-width: 180px; font-size: 22px; line-height: 1.15; letter-spacing: -.03em; }
.decision-step small { color: var(--muted); font-size: 13px; }
.decision-step-dark { color: white; background: var(--ink); }
.decision-step-dark:hover { background: #14233b; }
.decision-step-dark small { color: #b9c6d9; }

.archive-hero { padding: 72px 0 64px; }
.archive-hero-grid { position: relative; display: grid; grid-template-columns: 1fr 340px; gap: 70px; align-items: end; }
.archive-hero h1 { margin-bottom: 16px; font-size: clamp(46px,6vw,72px); text-wrap: balance; }
.archive-description { max-width: 680px; color: #c4d0e3; }
.archive-index-card { position: relative; overflow: hidden; display: grid; grid-template-columns: 1fr auto; gap: 14px 22px; padding: 28px; border: 1px solid rgba(255,255,255,.16); border-radius: 22px 22px 22px 7px; color: white; background: rgba(255,255,255,.07); }
.archive-index-card::after { content: ""; position: absolute; top: -44px; right: -34px; width: 130px; height: 130px; border: 1px solid rgba(137,239,207,.24); border-radius: 50%; }
.archive-index-card > span { grid-column: 1/-1; color: var(--mint); font-size: 11px; font-weight: 900; letter-spacing: .11em; text-transform: uppercase; }
.archive-index-card strong { position: relative; z-index: 1; font-size: 68px; line-height: .86; letter-spacing: -.07em; font-variant-numeric: tabular-nums; }
.archive-index-card p { align-self: end; margin: 0; color: #c4d0e3; font-size: 13px; line-height: 1.35; }
.archive-index-card a { grid-column: 1/-1; margin-top: 7px; padding-top: 16px; border-top: 1px solid rgba(255,255,255,.14); color: white; text-decoration: none; font-size: 13px; font-weight: 850; }
.archive-index-card a:hover { color: var(--mint); }
.archive-library { padding-top: 72px; }
.archive-library-shell { max-width: 1040px; }
.archive-library-head { display: grid; grid-template-columns: 1fr minmax(260px,390px); gap: 50px; align-items: end; margin-bottom: 34px; }
.archive-library-head h2 { margin: 0; font-size: clamp(34px,4vw,50px); text-wrap: balance; }
.archive-library-head > p { margin: 0; color: var(--muted); line-height: 1.65; }
.archive-guide-list { border-top: 1px solid var(--line); }
.archive-guide-entry { display: grid; grid-template-columns: 54px 260px minmax(0,1fr); gap: 28px; align-items: center; padding: 28px 0; border-bottom: 1px solid var(--line); }
.archive-entry-number { align-self: start; padding-top: 5px; color: #93a1b5; font-size: 12px; font-weight: 900; font-variant-numeric: tabular-nums; }
.archive-entry-media { display: grid; width: 100%; aspect-ratio: 16/10; place-items: center; overflow: hidden; border: 1px solid var(--line); border-radius: 17px 17px 17px 5px; background: #f4f7fb; }
.archive-entry-image { display: block; width: 100%; height: 100%; object-fit: contain; transition: transform .35s ease; }
.archive-guide-entry:hover .archive-entry-image { transform: scale(1.02); }
.archive-entry-body { min-width: 0; }
.archive-entry-meta { display: flex; flex-wrap: wrap; gap: 7px 16px; color: #748199; font-size: 10px; font-weight: 850; letter-spacing: .055em; text-transform: uppercase; }
.archive-entry-meta span + span::before { content: ""; display: inline-block; width: 3px; height: 3px; margin: 0 12px 3px 0; border-radius: 50%; background: var(--mint); }
.archive-entry-body h2 { margin: 9px 0 10px; font-size: clamp(26px,3vw,34px); text-wrap: balance; }
.archive-entry-body h2 a { color: var(--ink); text-decoration: none; }
.archive-entry-body h2 a:hover { color: var(--blue-dark); }
.archive-entry-body > p { margin: 0; color: var(--muted); font-size: 15px; line-height: 1.65; }
.archive-entry-link { display: inline-flex; align-items: center; gap: 7px; margin-top: 16px; color: var(--blue-dark); text-decoration: none; font-size: 13px; font-weight: 900; }
.archive-entry-link:hover { color: var(--blue); }
.breadcrumb { display: flex; flex-wrap: wrap; align-items: center; gap: 8px; margin-bottom: 28px; color: var(--muted); font-size: 12px; font-weight: 800; }
.breadcrumb a { color: inherit; text-decoration: none; }
.breadcrumb-on-dark { color: #aebbd0; }
.breadcrumb-on-dark a:hover { color: white; }

/* Article reading experience */
.reading-progress { position: fixed; top: 78px; left: 0; right: 0; z-index: 55; height: 3px; pointer-events: none; }
.reading-progress span { display: block; width: 0; height: 100%; background: linear-gradient(90deg,var(--mint),var(--blue)); }
.article-hero { padding: 54px 0 68px; }
.article-hero-grid { position: relative; display: grid; grid-template-columns: 1.12fr .88fr; gap: 68px; align-items: center; }
.article-hero h1 { max-width: 760px; margin-bottom: 22px; font-size: clamp(48px,6vw,76px); text-wrap: balance; }
.article-deck { max-width: 680px; margin: 0; color: #c4d0e3; font-size: 19px; text-wrap: pretty; }
.article-meta { display: flex; flex-wrap: wrap; gap: 10px 22px; margin-top: 26px; color: #9eacc1; font-size: 13px; font-weight: 750; }
.article-meta span + span::before { content: ""; display: inline-block; width: 4px; height: 4px; margin: 0 12px 3px 0; border-radius: 50%; background: var(--mint); }
.article-cover { margin: 0; overflow: hidden; border: 1px solid rgba(255,255,255,.18); border-radius: 24px; background: #f4f7fb; box-shadow: 0 28px 70px rgba(0,0,0,.24); }
.article-cover-image { display: block; width: 100%; height: auto; aspect-ratio: auto; object-fit: contain; background: #f4f7fb; }
.article-cover figcaption { padding: 13px 16px; color: #aebbd0; background: #17243a; font-size: 11px; }
.article-collection-nav { border-bottom: 1px solid var(--line); background: #f8faff; }
.article-collection-inner { display: grid; grid-template-columns: minmax(260px,360px) minmax(0,1fr); gap: 28px; align-items: center; padding-block: 18px; }
.article-current-collection { display: grid; grid-template-columns: 42px minmax(0,1fr) auto; gap: 12px; align-items: center; min-width: 0; color: var(--ink); text-decoration: none; }
.article-collection-mark { width: 42px; height: 42px; display: grid; place-items: center; border-radius: 14px 14px 14px 4px; color: white; background: var(--blue); font-weight: 950; }
.article-current-collection small { display: block; color: var(--muted); font-size: 10px; font-weight: 900; letter-spacing: .09em; text-transform: uppercase; }
.article-current-collection strong { display: block; margin-top: 2px; overflow: hidden; font-size: 17px; text-overflow: ellipsis; white-space: nowrap; }
.article-current-collection em { color: #61708a; font-size: 12px; font-style: normal; font-weight: 800; white-space: nowrap; }
.article-current-collection:hover strong { color: var(--blue-dark); }
.article-collection-links { display: flex; justify-content: flex-end; gap: 7px; overflow-x: auto; scrollbar-width: thin; }
.article-collection-links a { flex: 0 0 auto; padding: 8px 11px; border-radius: 999px; color: #526079; text-decoration: none; font-size: 12px; font-weight: 800; }
.article-collection-links a:hover { color: var(--blue-dark); background: white; }
.article-section { padding-top: 76px; }
.article-layout { display: grid; grid-template-columns: 250px minmax(0,760px); gap: 70px; justify-content: center; align-items: start; }
.article-aside { position: sticky; top: 112px; display: grid; gap: 20px; }
.article-toc { position: relative; overflow: hidden; padding: 22px 18px 18px; border: 1px solid #d7e1f1; border-radius: 18px; background: white; box-shadow: 0 14px 36px rgba(28,51,96,.07); }
.article-toc::before { content: ""; position: absolute; inset: 0 0 auto; height: 4px; background: linear-gradient(90deg,var(--blue),var(--mint)); }
.article-toc-head { display: grid; grid-template-columns: 1fr auto 20px; align-items: center; gap: 9px; margin: 0 4px 14px; cursor: pointer; list-style: none; }
.article-toc-head::-webkit-details-marker { display: none; }
.article-toc-label { color: var(--ink); font-size: 12px; font-weight: 900; letter-spacing: .09em; text-transform: uppercase; }
.article-toc-count { color: #8795aa; font-size: 11px; font-weight: 750; white-space: nowrap; }
.article-toc-toggle { display: grid; place-items: center; color: var(--blue-dark); font-size: 17px; transition: transform .18s ease; }
.article-toc-disclosure:not([open]) .article-toc-head { margin-bottom: 0; }
.article-toc-disclosure[open] .article-toc-toggle { transform: rotate(180deg); }
.article-toc ol { display: grid; gap: 3px; max-height: calc(100vh - 220px); margin: 0; padding: 0 4px 0 0; overflow-y: auto; overscroll-behavior: contain; list-style: none; counter-reset: reading-map; scrollbar-width: thin; scrollbar-color: #c9d5e8 transparent; }
.article-toc li { min-width: 0; counter-increment: reading-map; }
.article-toc a { display: grid; grid-template-columns: 27px minmax(0,1fr); gap: 9px; align-items: start; padding: 9px 8px; border-radius: 10px; color: #53627a; text-decoration: none; font-size: 13px; line-height: 1.35; transition: color .18s ease, background-color .18s ease; }
.article-toc a::before { content: counter(reading-map,decimal-leading-zero); display: grid; place-items: center; width: 27px; height: 21px; border-radius: 7px; color: #6d7b91; background: #eef3fb; font-size: 10px; font-weight: 900; font-variant-numeric: tabular-nums; }
.article-toc a:hover { color: var(--blue-dark); background: #f5f8fd; }
.article-toc a.is-current { color: var(--ink); background: #edf4ff; font-weight: 800; }
.article-toc a.is-current::before { color: white; background: var(--blue); }
.article-toc a:focus-visible { outline: 3px solid rgba(49,95,244,.25); outline-offset: 1px; }
.article-main { min-width: 0; }
.quick-take { margin-bottom: 46px; padding: 28px 30px; border: 1px solid #cbd8ef; border-left: 5px solid var(--blue); border-radius: 4px 18px 18px 4px; background: #f6f9ff; }
.quick-take-label { margin: 0 0 9px; color: var(--blue-dark); font-size: 11px; font-weight: 900; letter-spacing: .1em; text-transform: uppercase; }
.quick-take h2 { margin-bottom: 10px; font-size: 26px; }
.quick-take p:last-child { margin: 0; color: #47556d; }
.article-body { max-width: none; }
.article-body > :first-child { margin-top: 0; }
.article-body h2,.article-body h3 { scroll-margin-top: 118px; text-wrap: balance; }
.article-body h2 { margin: 1.85em 0 .65em; padding-top: .35em; border-top: 1px solid var(--line); font-size: clamp(30px,4vw,40px); }
.article-body h3 { margin: 1.65em 0 .55em; font-size: 27px; }
.article-body p,.article-body li { color: #344159; line-height: 1.78; }
.article-body a { overflow-wrap: anywhere; }
.article-body img { display: block; width: auto; max-width: 100%; margin: 34px auto; border: 1px solid var(--line); border-radius: 18px; box-shadow: 0 18px 45px rgba(20,47,106,.10); }
.article-body blockquote { margin: 34px 0; padding: 8px 0 8px 24px; border-left: 4px solid var(--mint); color: #21304a; font-size: 20px; font-weight: 750; }
.article-body ul,.article-body ol { padding-left: 1.3em; }
.article-data-table-wrap { margin: 32px 0; overflow-x: auto; border: 1px solid var(--line); border-radius: 16px; background: white; box-shadow: 0 12px 34px rgba(28,51,96,.06); }
.article-data-table { width: 100%; min-width: 620px; border-collapse: collapse; font-size: 14px; line-height: 1.55; }
.article-data-table th { padding: 15px 17px; color: var(--ink); background: #f3f7ff; text-align: left; vertical-align: top; }
.article-data-table td { padding: 15px 17px; color: #465570; vertical-align: top; }
.article-data-table tbody tr + tr { border-top: 1px solid var(--line); }
.article-data-table tbody tr:hover { background: #fbfcff; }
.article-source-figure { margin: 34px 0; padding: 22px; border: 1px solid var(--line); border-radius: 18px; background: #f8faff; }
.article-source-figure img { max-height: 620px; margin: 0 auto; border: 0; border-radius: 12px; box-shadow: none; }
.article-source-figure figcaption { max-width: 620px; margin: 14px auto 0; color: var(--muted); font-size: 13px; line-height: 1.55; }
.article-faq-item { border-top: 1px solid var(--line); }
.article-faq-item:last-of-type { border-bottom: 1px solid var(--line); }
.article-faq-item summary { position: relative; padding: 18px 42px 18px 0; color: var(--ink); cursor: pointer; list-style: none; }
.article-faq-item summary::-webkit-details-marker { display: none; }
.article-faq-item summary::after { content: "+"; position: absolute; top: 14px; right: 0; width: 30px; height: 30px; display: grid; place-items: center; border-radius: 50%; color: var(--blue-dark); background: var(--mist); }
.article-faq-item[open] summary::after { content: "−"; }
.article-faq-item p { margin: 0 0 19px; color: var(--muted); }
.article-author { display: grid; grid-template-columns: 56px 1fr; gap: 18px; margin-top: 58px; padding: 28px 0; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.article-author-mark { width: 56px; height: 56px; display: grid; place-items: center; border-radius: 17px 17px 17px 5px; color: white; background: var(--ink); font-size: 15px; font-weight: 950; letter-spacing: -.05em; }
.article-author .eyebrow { margin-bottom: 6px; }
.article-author h2 { margin-bottom: 10px; font-size: 27px; }
.article-author p { margin: 0 0 9px; color: var(--muted); font-size: 15px; line-height: 1.65; }
.article-author a { color: var(--blue-dark); font-size: 14px; font-weight: 800; text-decoration: none; }
.article-author a:hover { text-decoration: underline; }
.article-cta { display: grid; grid-template-columns: 1fr auto; align-items: center; gap: 34px; margin-top: 32px; padding: 28px 30px; border: 1px solid var(--line); border-radius: 18px; color: var(--ink); background: #f8faff; }
.article-cta h2 { margin-bottom: 9px; font-size: 28px; }
.article-cta p:not(.eyebrow) { margin: 0; color: var(--muted); }
.article-cta .button-secondary { white-space: nowrap; background: white; }
.post-navigation { display: grid; grid-template-columns: repeat(2,minmax(0,1fr)); gap: 18px; margin-top: 34px; }
.post-navigation > div { min-width: 0; padding: 20px; border: 1px solid var(--line); border-radius: 16px; }
.post-navigation > div:empty { display: none; }
.post-navigation span { display: block; margin-bottom: 6px; color: var(--muted); font-size: 11px; font-weight: 850; text-transform: uppercase; letter-spacing: .08em; }
.post-navigation a { display: block; color: var(--ink); font-weight: 850; text-decoration: none; overflow-wrap: anywhere; }
.related-guides .guide-section-head { margin-top: 0; }
.nav-links { display: flex; justify-content: center; gap: 8px; margin-top: 38px; }
.nav-links .page-numbers { display: grid; min-width: 42px; height: 42px; place-items: center; border: 1px solid var(--line); border-radius: 10px; text-decoration: none; }
.nav-links .current { color: white; border-color: var(--blue); background: var(--blue); }

.site-footer { margin-top: 90px; padding: 62px 0 28px; color: #c2cde0; background: #071120; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr; gap: 55px; }
.footer-brand .brand { color: white; }
.footer-brand p { max-width: 430px; }
.footer-title { color: white; font-size: 14px; font-weight: 900; text-transform: uppercase; letter-spacing: .1em; }
.footer-links { display: grid; gap: 9px; }
.footer-links a { color: #c2cde0; text-decoration: none; }
.footer-links a:hover { color: white; }
.footer-bottom { display: flex; justify-content: space-between; gap: 25px; margin-top: 50px; padding-top: 24px; border-top: 1px solid #243047; font-size: 13px; }

@media (max-width: 900px) {
  .menu-toggle { display: grid; place-items: center; }
  .main-nav { position: fixed; inset: 79px 0 auto; display: none; padding: 22px 20px 30px; background: white; border-bottom: 1px solid var(--line); box-shadow: 0 18px 40px rgba(20,40,80,.12); }
  .main-nav.is-open { display: grid; gap: 18px; }
  .main-nav a { font-size: 18px; }
  .hero { padding-top: 58px; }
  .hero-grid,.trust-grid,.calculator-shell { grid-template-columns: 1fr; }
  .hero-visual { max-width: 650px; margin-inline: auto; }
  .section-head { display: block; }
  .section-head p { margin-top: 16px; }
  .steps,.posts-grid { grid-template-columns: 1fr; }
  .step:not(:last-child)::after { display: none; }
  .cta-panel { grid-template-columns: 1fr; padding: 38px; }
  .content-grid { grid-template-columns: 1fr; }
  .guide-hub-grid,.featured-guide,.archive-hero-grid,.article-hero-grid { grid-template-columns: 1fr; }
  .guide-hub-grid,.article-hero-grid { gap: 42px; }
  .guide-grid { grid-template-columns: repeat(2,minmax(0,1fr)); }
  .decision-deck { grid-template-columns: repeat(3,1fr); }
  .decision-deck-intro { grid-column: 1/-1; }
  .decision-step:first-of-type { border-left: 0; }
  .article-layout { grid-template-columns: 1fr; gap: 36px; }
  .article-aside { position: static; grid-template-columns: 1fr 1fr; }
  .article-cover { max-width: 680px; }
  .article-collection-inner { grid-template-columns: 1fr; gap: 13px; }
  .article-collection-links { justify-content: flex-start; }
  .archive-library-head { grid-template-columns: 1fr; gap: 16px; }
  .archive-guide-entry { grid-template-columns: 40px 210px minmax(0,1fr); gap: 20px; }
}

@media (max-width: 620px) {
  :root { --wrap: min(100% - 28px,1160px); }
  body { font-size: 16px; }
  .header-inner { min-height: 70px; }
  .main-nav { top: 71px; }
  .hero { padding: 45px 0 42px; }
  h1 { font-size: 48px; }
  .hero-copy { font-size: 17px; }
  .hero-actions .button { width: 100%; }
  .rate-stamp { right: 0; bottom: 0; transform: none; }
  .strip-inner { grid-template-columns: repeat(2,1fr); }
  .strip-label { grid-column: 1/-1; text-align: center; }
  .section { padding: 70px 0; }
  .rate-row { grid-template-columns: 1.2fr .8fr; padding: 17px; gap: 12px; }
  .rate-row .rate-type { display: none; }
  .rate-row-head span:nth-child(2) { display: none; }
  .trust-list { grid-template-columns: 1fr; }
  .trust-portrait { min-height: 360px; }
  .calc-form,.calc-result { padding: 25px; }
  .cta-panel { padding: 30px 24px; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .footer-bottom { display: block; }
  .guide-hub-hero { padding: 58px 0 50px; }
  .guide-hub-hero h1,.article-hero h1 { font-size: 43px; }
  .guide-search { grid-template-columns: 1fr; }
  .guide-search button { width: 100%; }
  .topic-rail-inner { width: calc(100% - 14px); margin-left: 14px; padding-right: 14px; }
  .featured-guide { min-height: 0; }
  .featured-guide-media { min-height: 250px; }
  .featured-guide-copy { padding: 28px 24px 32px; }
  .guide-section-head { margin-top: 62px; }
  .guide-grid { grid-template-columns: 1fr; }
  .decision-deck { grid-template-columns: 1fr; }
  .decision-step { min-height: 190px; border-top: 1px solid var(--line); border-left: 0; }
  .archive-hero { padding: 48px 0; }
  .archive-hero h1 { font-size: 43px; }
  .archive-index-card { padding: 24px; }
  .archive-library { padding-top: 54px; }
  .archive-library-head { margin-bottom: 26px; }
  .archive-guide-entry { grid-template-columns: 32px minmax(0,1fr); gap: 14px; padding: 24px 0; }
  .archive-entry-number { grid-row: 1 / span 2; }
  .archive-entry-media,.archive-entry-body { grid-column: 2; }
  .archive-entry-body h2 { font-size: 27px; }
  .article-collection-inner { padding-block: 15px; }
  .article-current-collection { grid-template-columns: 42px minmax(0,1fr); }
  .article-current-collection em { grid-column: 2; margin-top: -9px; }
  .article-collection-links { width: calc(100% + 14px); padding-right: 14px; }
  .article-hero { padding: 38px 0 48px; }
  .article-meta { display: grid; gap: 6px; }
  .article-meta span + span::before { display: none; }
  .article-section { padding-top: 54px; }
  .article-aside { grid-template-columns: 1fr; }
  .article-toc { order: 2; }
  .article-toc-head { margin-bottom: 0; }
  .article-toc-disclosure[open] .article-toc-head { margin-bottom: 14px; }
  .article-toc ol { max-height: min(56vh,430px); }
  .quick-take { padding: 24px 22px; }
  .article-body h2 { font-size: 31px; }
  .article-body h3 { font-size: 25px; }
  .article-author { grid-template-columns: 46px 1fr; }
  .article-author-mark { width: 46px; height: 46px; border-radius: 14px 14px 14px 4px; }
  .article-cta { grid-template-columns: 1fr; padding: 28px 24px; }
  .article-cta .button { width: 100%; }
  .post-navigation { grid-template-columns: 1fr; }
  .reading-progress { top: 70px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *,*::before,*::after { transition-duration: .01ms !important; animation-duration: .01ms !important; animation-iteration-count: 1 !important; }
}