:root{
 --navy:#0d2440;--ink:#182230;--muted:#647282;--cream:#f7f2e8;--paper:#fffdf9;
 --orange:#f26a3d;--teal:#2f8d85;--yellow:#f4c95d;--line:#dde3e7;--white:#fff;--max:1180px;
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font:16px/1.6 Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}
img{display:block;max-width:100%}a{text-decoration:none;color:inherit}.topbar{height:78px;max-width:var(--max);margin:auto;padding:0 24px;display:flex;align-items:center;justify-content:space-between;gap:28px}
.logo{display:flex;align-items:center;gap:10px;font-size:23px;font-weight:900;color:var(--navy);letter-spacing:-.6px}.logo-mark{width:34px;height:34px;border-radius:10px;background:var(--orange);color:white;display:grid;place-items:center;font-size:19px}
.topbar nav,footer nav{display:flex;gap:26px}.topbar nav a,footer nav a{font-weight:700;font-size:14px}.nav-cta{background:var(--navy);color:white;padding:11px 16px;border-radius:12px;font-weight:800;font-size:14px}
.hero{max-width:var(--max);margin:auto;padding:72px 24px 84px;display:grid;grid-template-columns:1fr 1fr;gap:68px;align-items:center}
.pill,.kicker{display:inline-flex;color:var(--teal);font-weight:900;font-size:12px;letter-spacing:.14em}.pill{background:#e8f3f1;padding:8px 11px;border-radius:999px}
.hero h1{font-size:clamp(56px,7vw,88px);line-height:.96;letter-spacing:-4.5px;color:var(--navy);margin:22px 0}.hero h1 em{color:var(--orange);font-style:normal}
.hero-copy>p{font-size:20px;color:var(--muted);max-width:590px}.hero-actions{display:flex;gap:12px;margin:30px 0}
.btn{border:0;border-radius:13px;padding:14px 19px;font-weight:850;font:inherit;cursor:pointer;display:inline-flex;align-items:center;justify-content:center}.btn.primary{background:var(--orange);color:white}.btn.ghost{border:1px solid var(--line);background:white;color:var(--navy)}.btn.dark{background:var(--navy);color:white}.wide{width:100%}
.hero-visual{position:relative}.hero-visual img{height:560px;width:100%;object-fit:cover;border-radius:30px 30px 80px 30px;box-shadow:0 24px 70px rgba(13,36,64,.16)}
.floating-card{position:absolute;left:-34px;bottom:38px;background:white;border-radius:18px;padding:18px 22px;box-shadow:0 18px 50px rgba(13,36,64,.2);display:grid}.floating-card span,.floating-card small{color:var(--muted)}.floating-card strong{font-size:25px;color:var(--navy)}
.trust-row{display:flex;gap:30px;margin-top:28px}.trust-row div{display:grid}.trust-row b{font-size:15px;color:var(--navy)}.trust-row span{font-size:12px;color:var(--muted)}
.ad-band{max-width:970px;margin:0 auto;min-height:180px;border:1px dashed #c7cfd6;background:#f4f6f7;display:grid;place-items:center;align-content:center;color:#89939d;text-align:center}.ad-band span{font-size:10px;letter-spacing:.14em;margin-bottom:7px}.ad-band.compact{min-height:110px}
.section{max-width:var(--max);margin:auto;padding:100px 24px}.section-heading{display:flex;justify-content:space-between;align-items:end;gap:40px;margin-bottom:38px}.section-heading h2,.method h2,.newsletter h2{font-size:clamp(38px,5vw,58px);letter-spacing:-2.2px;line-height:1.02;margin:8px 0;color:var(--navy)}.section-heading>p{max-width:430px;color:var(--muted);font-size:18px}
.calc-section{background:linear-gradient(180deg,transparent 0,transparent 25%,var(--cream) 25%,var(--cream) 100%);max-width:none}.calc-section>*{max-width:var(--max);margin-left:auto;margin-right:auto}.calculator-shell{display:grid;grid-template-columns:1.05fr .95fr;background:white;border-radius:26px;overflow:hidden;box-shadow:0 20px 70px rgba(13,36,64,.08)}
.calculator-form{padding:34px;display:grid;grid-template-columns:1fr 1fr;gap:17px}.calculator-form label{font-weight:800;font-size:14px}.calculator-form input,.calculator-form select,.newsletter input{width:100%;margin-top:7px;border:1px solid var(--line);border-radius:12px;padding:13px 14px;background:white;font:inherit}.calculator-form .wide,.calculator-form .micro{grid-column:1/-1}.micro{font-size:12px;color:var(--muted);margin:0}
.result-panel{background:var(--navy);color:white;padding:44px;display:flex;flex-direction:column;justify-content:center}.result-label{font-size:11px;font-weight:900;letter-spacing:.13em;color:#8bd0c9}.result-panel strong{font-size:clamp(40px,6vw,68px);line-height:1;margin:14px 0}.result-panel p{color:#d5e0ea}.result-note{border-top:1px solid rgba(255,255,255,.15);margin-top:20px;padding-top:20px;font-size:13px;color:#b9c6d2}
.story-grid{display:grid;grid-template-columns:1.4fr .8fr;grid-template-rows:1fr 1fr;gap:18px}.story-card{position:relative;min-height:260px;border-radius:22px;overflow:hidden}.story-card.large{grid-row:1/3;min-height:560px}.story-card img{width:100%;height:100%;object-fit:cover;position:absolute;inset:0}.story-card:after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 35%,rgba(10,24,42,.86) 100%)}.story-overlay{position:absolute;z-index:2;left:24px;right:24px;bottom:24px;color:white}.story-overlay span{font-size:11px;font-weight:900;letter-spacing:.13em;color:#ffd66f;text-transform:uppercase}.story-overlay h3{font-size:26px;line-height:1.08;margin:7px 0 12px}.story-overlay a{font-weight:800}
.method{display:grid;grid-template-columns:1fr .85fr;gap:70px;align-items:center}.method-copy>p{font-size:18px;color:var(--muted)}.method-image img{height:560px;width:100%;object-fit:cover;border-radius:80px 24px 24px 24px}
.method-points{margin-top:28px;display:grid;gap:20px}.method-points div{display:grid;grid-template-columns:48px 1fr;gap:16px}.method-points b{width:42px;height:42px;border-radius:12px;background:#e8f3f1;color:var(--teal);display:grid;place-items:center}.method-points span{display:grid;color:var(--muted)}.method-points strong{color:var(--navy)}
.newsletter{max-width:var(--max);margin:30px auto 90px;background:var(--yellow);padding:48px;border-radius:28px;display:flex;justify-content:space-between;gap:38px;align-items:center}.newsletter p{margin-bottom:0}.newsletter form{display:flex;gap:10px;min-width:380px}.newsletter input{margin:0}
footer{border-top:1px solid var(--line);max-width:var(--max);margin:auto;padding:44px 24px 60px;display:flex;justify-content:space-between;align-items:flex-start}footer p{color:var(--muted);max-width:420px}
.article-wrap{max-width:1060px;margin:auto;padding:30px 24px 90px}.article-hero{display:grid;grid-template-columns:1fr 1fr;gap:45px;align-items:center}.article-hero img{height:500px;width:100%;object-fit:cover;border-radius:28px}.article-hero h1{font-size:clamp(42px,6vw,68px);line-height:1;letter-spacing:-3px;color:var(--navy)}.article-hero p{font-size:20px;color:var(--muted)}.article-body{max-width:780px;margin:70px auto}.article-body .lead,.article-body p{font-size:18px}.article-body h2{font-size:36px;color:var(--navy);margin-top:48px}.budget-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin:28px 0}.budget-grid div{background:var(--cream);border-radius:16px;padding:22px;display:grid}.budget-grid strong{font-size:28px;color:var(--orange)}.budget-grid span{color:var(--muted)}
@media(max-width:820px){
 .topbar nav,.nav-cta{display:none}.hero,.method,.article-hero{grid-template-columns:1fr}.hero{padding-top:40px;gap:36px}.hero h1{font-size:58px;letter-spacing:-3px}.hero-visual img{height:430px}.floating-card{left:14px}.trust-row{gap:16px;flex-wrap:wrap}
 .section{padding:70px 20px}.section-heading{display:block}.calculator-shell,.story-grid{grid-template-columns:1fr}.calculator-form{grid-template-columns:1fr}.calculator-form .wide,.calculator-form .micro{grid-column:auto}.story-grid{grid-template-rows:auto}.story-card.large{grid-row:auto;min-height:420px}.story-card{min-height:300px}.method-image img{height:420px}.newsletter{margin:20px;display:block;padding:30px}.newsletter form{min-width:0;margin-top:20px;display:grid}.budget-grid{grid-template-columns:1fr}footer{flex-direction:column;gap:30px}
}