:root {
  --ink: #102033;
  --muted: #607081;
  --line: #dbe7ec;
  --paper: #ffffff;
  --soft: #f2f8fa;
  --forest: #0f766e;
  --forest-2: #2563eb;
  --gold: #0ea5a4;
  --clay: #2563eb;
  --blue: #1e3a5f;
  --shadow: 0 22px 70px rgba(17, 48, 76, 0.12);
}

* { box-sizing: border-box; min-width: 0; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: #eef6f8;
  color: var(--ink);
  font-family: Inter, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.65;
}
a { color: inherit; text-decoration: none; }
img, svg { display: block; max-width: 100%; }
.skip-link { position: fixed; left: 16px; top: -80px; z-index: 100; background: var(--forest); color: white; padding: 10px 14px; border-radius: 4px; }
.skip-link:focus { top: 16px; }
.site-header, .site-footer, main { width: min(1480px, calc(100% - 32px)); margin-inline: auto; }
.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  min-height: 74px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 0 34px;
  border: 1px solid rgba(207, 225, 232, 0.9);
  border-bottom: 0;
  background: rgba(255, 255, 255, 0.94);
  backdrop-filter: blur(16px);
}
.brand { display: inline-flex; align-items: center; gap: 10px; font-family: "Libre Baskerville", Georgia, serif; font-size: 15px; text-transform: uppercase; white-space: nowrap; }
.brand-mark { display: grid; place-items: center; width: 34px; height: 34px; border-radius: 9px; background: white; border: 1px solid rgba(15, 118, 110, .22); overflow: hidden; }
.brand-mark img { width: 100%; height: 100%; object-fit: contain; padding: 3px; }
.main-nav { display: flex; gap: clamp(18px, 3vw, 48px); font-size: 14px; font-weight: 700; color: #30352f; }
.main-nav a:hover, .text-link:hover, .site-footer a:hover { color: var(--gold); }
.nav-toggle { display: none; border: 1px solid var(--line); background: white; min-height: 40px; padding: 0 14px; border-radius: 4px; font-weight: 800; }
.button {
  display: inline-flex;
  min-height: 52px;
  align-items: center;
  justify-content: center;
  border: 0;
  border-radius: 5px;
  padding: 0 24px;
  background: linear-gradient(180deg, #15948b, #0f766e);
  box-shadow: inset 0 1px rgba(255, 255, 255, 0.35), 0 12px 28px rgba(15, 118, 110, 0.22);
  color: white;
  cursor: pointer;
  font: 800 14px/1 Inter, sans-serif;
}
.button:hover { background: linear-gradient(180deg, #1aa79d, #0b655f); }
.button-small { min-height: 42px; padding-inline: 18px; }
.button-quiet { background: #e9eee7; color: var(--ink); }
.full-width { width: 100%; }
.text-link { display: inline-flex; align-items: center; min-height: 44px; color: var(--forest); font-weight: 800; }
.home-hero {
  position: relative;
  min-height: clamp(580px, 72vh, 760px);
  overflow: hidden;
  border: 1px solid rgba(223, 228, 221, 0.85);
  background: linear-gradient(135deg, #ffffff 0%, #f5fbfc 100%);
  box-shadow: var(--shadow);
}
.home-hero::after {
  position: absolute;
  inset: 0;
  content: "";
  background: linear-gradient(90deg, rgba(255,255,255,.99) 0%, rgba(255,255,255,.9) 38%, rgba(239,247,250,.18) 74%);
}
.home-hero img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; object-position: 72% center; }
.home-hero-copy { position: relative; z-index: 1; width: min(590px, 90%); padding: clamp(70px, 8vw, 122px) 0 clamp(70px, 8vw, 110px) clamp(32px, 8vw, 120px); }
.eyebrow { margin: 0 0 12px; color: var(--clay); font-size: 12px; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
h1, h2, h3, p { margin-top: 0; }
h1, h2 { font-family: "Libre Baskerville", Georgia, serif; line-height: 1.12; letter-spacing: 0; }
h1 { max-width: 760px; margin-bottom: 22px; font-size: clamp(38px, 5vw, 68px); }
h2 { margin-bottom: 14px; font-size: clamp(28px, 3.1vw, 44px); }
h3 { margin-bottom: 8px; font-size: 18px; }
.home-hero-copy > p:not(.eyebrow), .page-hero p { max-width: 580px; color: #4f564e; font-size: 17px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 18px; align-items: center; margin-top: 30px; }
.content-shell { width: min(1120px, calc(100% - 44px)); margin-inline: auto; }
.section { padding: clamp(64px, 8vw, 108px) 0; }
.section-heading { max-width: 760px; margin: 0 auto 44px; text-align: center; }
.home-intro {
  display: grid;
  grid-template-columns: minmax(260px, .7fr) minmax(0, 1fr);
  gap: clamp(24px, 6vw, 76px);
  align-items: end;
  margin-bottom: 42px;
}
.home-intro p:last-child { margin-bottom: 0; color: var(--muted); font-size: 17px; }
.card-grid, .article-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 18px;
}
.article-grid {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}
.card, .article-card {
  min-height: 220px;
  padding: 24px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--paper);
}
.card:hover, .article-card:hover { border-color: rgba(36, 72, 58, .4); box-shadow: 0 16px 40px rgba(31, 46, 39, .08); transform: translateY(-2px); }
.card span { color: var(--gold); font-weight: 800; }
.card p, .article-card p, .form-note { color: var(--muted); }
.article-card h2 {
  font-family: Inter, system-ui, sans-serif;
  font-size: clamp(20px, 1.4vw, 25px);
  line-height: 1.22;
  overflow-wrap: anywhere;
  hyphens: auto;
}
.article-card p,
.article-list a,
.card h3,
.card p,
.steps h3,
.steps p,
.timeline span {
  overflow-wrap: anywhere;
  hyphens: auto;
}
.article-list { display: grid; gap: 12px; }
.article-list a { display: grid; gap: 4px; padding: 18px 20px; border: 1px solid var(--line); border-radius: 8px; background: var(--paper); }
.article-list span { color: var(--muted); font-size: 14px; }
.page-hero {
  padding: clamp(70px, 10vw, 124px) 0;
  border: 1px solid var(--line);
  background: linear-gradient(135deg, #ffffff 0%, #e8f7f6 52%, #edf4ff 100%);
}
.planner-section { padding: clamp(64px, 8vw, 108px) 0; background: linear-gradient(180deg, #eff8fa, #ffffff); }
.planner { display: grid; grid-template-columns: minmax(0, 1fr) minmax(310px, .78fr); gap: clamp(32px, 7vw, 96px); align-items: center; width: min(1120px, calc(100% - 44px)); margin-inline: auto; }
.calculator, .lead-form { padding: clamp(24px, 4vw, 40px); border: 1px solid var(--line); border-radius: 8px; background: rgba(255,255,255,.74); box-shadow: 0 16px 46px rgba(31, 46, 39, .08); }
.calculator-intro { color: var(--muted); }
.field-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 16px; }
label { display: grid; gap: 8px; margin-top: 18px; font-weight: 800; color: #2f352f; }
input, select {
  width: 100%;
  min-height: 50px;
  border: 1px solid var(--line);
  border-radius: 5px;
  background: var(--paper);
  padding: 11px 13px;
  color: var(--ink);
  font: inherit;
}
input:focus, select:focus { outline: 3px solid rgba(56, 102, 87, .18); border-color: var(--forest-2); }
.money-field { display: grid; grid-template-columns: minmax(0, 1fr) auto; align-items: center; border: 1px solid var(--line); border-radius: 5px; background: var(--paper); overflow: hidden; }
.money-field input { border: 0; border-radius: 0; }
.money-field span { padding: 0 13px; color: var(--muted); font-weight: 800; }
.consent { grid-template-columns: auto minmax(0, 1fr); align-items: start; gap: 10px; color: var(--muted); font-size: 13px; font-weight: 500; }
.consent input { width: 18px; min-height: 18px; margin-top: 3px; accent-color: var(--forest); }
.result { padding: 24px 0; }
.result h2 { font-family: Inter, sans-serif; font-size: clamp(36px, 5vw, 58px); font-weight: 700; }
.result p, .result dt { color: var(--muted); }
.result dl { display: grid; gap: 12px; margin: 32px 0 0; padding-top: 24px; border-top: 1px solid var(--line); }
.result dl div { display: flex; justify-content: space-between; gap: 16px; border-bottom: 1px solid rgba(223, 228, 221, .72); padding-bottom: 12px; }
.result dd { margin: 0; font-weight: 800; }
.split { display: grid; grid-template-columns: minmax(0, .85fr) minmax(320px, 1fr); gap: clamp(32px, 7vw, 90px); align-items: start; }
.lead-section { padding: clamp(64px, 8vw, 108px) 0; background: var(--soft); border-top: 1px solid var(--line); }
.article-body { max-width: 820px; padding: clamp(54px, 7vw, 92px) 0; }
.article-body .lead { color: #3c453d; font-size: 20px; }
.article-body h2 { margin-top: 38px; font-size: clamp(24px, 2.4vw, 34px); }
.article-body a { color: var(--forest); font-weight: 800; }
.callout { margin-top: 44px; padding: 28px; border: 1px solid rgba(15, 118, 110, .22); border-radius: 8px; background: #effaf9; }
.timeline, .steps { display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); gap: 12px; margin-top: 34px; }
.steps { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.timeline div, .steps div { padding: 18px; border: 1px solid var(--line); border-radius: 8px; background: var(--paper); }
.timeline strong, .steps strong { color: var(--forest); }
.video-placeholder {
  display: grid;
  place-items: center;
  min-height: clamp(260px, 42vw, 520px);
  padding: 40px;
  border-radius: 8px;
  background: #102033;
  color: white;
  text-align: center;
}
.video-placeholder span { font: 800 clamp(40px, 8vw, 84px)/1 Inter, sans-serif; }
.video-placeholder p { max-width: 520px; color: rgba(255,255,255,.72); }
.legal { color: #30362f; }
.site-footer {
  display: grid;
  grid-template-columns: minmax(260px, 1.1fr) minmax(260px, .8fr) minmax(180px, .5fr);
  gap: 30px;
  padding: 42px;
  border: 1px solid var(--line);
  border-top: 0;
  background: var(--paper);
  color: var(--muted);
  font-size: 14px;
}
.footer-brand { margin-bottom: 14px; color: var(--ink); }
.site-footer nav, .footer-contact { display: grid; gap: 10px; align-content: start; }
.cookie-banner {
  position: fixed;
  right: 20px;
  bottom: 20px;
  z-index: 30;
  width: min(520px, calc(100% - 40px));
  padding: 18px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--paper);
  box-shadow: var(--shadow);
}
.cookie-banner div { display: flex; gap: 10px; justify-content: flex-end; flex-wrap: wrap; }
.cookie-banner p { margin-bottom: 14px; color: var(--muted); font-size: 14px; }
@media (max-width: 1000px) {
  .card-grid, .article-grid, .home-intro, .planner, .split, .site-footer { grid-template-columns: 1fr; }
  .timeline { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .site-header { padding-inline: 20px; }
  .main-nav { position: absolute; left: 0; right: 0; top: 73px; display: none; grid-template-columns: 1fr; gap: 0; padding: 12px 20px 20px; border: 1px solid var(--line); background: var(--paper); }
  .main-nav.is-open { display: grid; }
  .main-nav a { padding: 12px 0; border-bottom: 1px solid var(--line); }
  .nav-toggle { display: inline-flex; align-items: center; }
}
@media (min-width: 1280px) {
  .article-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }
}
@media (max-width: 620px) {
  .site-header, .site-footer, main { width: 100%; }
  .button-small { display: none; }
  .home-hero { min-height: 650px; border-inline: 0; }
  .home-hero::after { background: linear-gradient(180deg, rgba(255,255,255,.98) 0%, rgba(255,255,255,.82) 49%, rgba(239,247,250,.24) 100%); }
  .home-hero-copy { width: 100%; padding: 46px 22px 290px; }
  .field-grid, .steps, .timeline { grid-template-columns: 1fr; }
  .content-shell, .planner { width: min(100% - 34px, 1120px); }
  .site-footer { padding: 30px 22px; }
}