:root {
  --bg: #ffffff;
  --surface: #ffffff;
  --surface-soft: rgba(247, 250, 253, 0.88);
  --text: #0f172a;
  --muted: #5b667a;
  --line: rgba(15, 23, 42, 0.08);
  --blue: #1e3ecd;
  --blue-deep: #0d2faa;
  --blue-soft: rgba(30, 62, 205, 0.08);
  --shadow: 0 14px 30px rgba(15, 23, 42, 0.05), 0 2px 8px rgba(15, 23, 42, 0.025);
  --radius-xl: 14px;
  --radius-lg: 11px;
  --radius-md: 8px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: "Inter", "Segoe UI", Arial, sans-serif;
  color: var(--text);
  background: #ffffff;
  overflow-x: clip;
}

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

img {
  max-width: 100%;
  display: block;
}

a {
  color: inherit;
}

nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 100;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 48px;
  height: 62px;
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid rgba(14, 0, 72, 0.06);
}

.nav-logo img {
  height: 24px;
  width: auto;
  object-fit: contain;
}

.nav-links {
  display: flex;
  gap: 32px;
  list-style: none;
  margin: 0;
  padding: 0;
}

.nav-links a {
  font-size: 13px;
  font-weight: 300;
  color: rgba(14, 0, 72, 0.5);
  text-decoration: none;
  transition: color 0.18s;
}

.nav-links a:hover {
  color: #0e0048;
}

.nav-right {
  display: flex;
  align-items: center;
  gap: 2px;
}

.nav-sep {
  color: #ddd;
  margin: 0 8px;
}

.nav-link-btn,
.nav-cta,
.mobile-menu .m-cta {
  border: none;
  font-family: "Inter", "Segoe UI", Arial, sans-serif;
  cursor: pointer;
}

.nav-link-btn {
  background: none;
  font-size: 13px;
  font-weight: 300;
  color: rgba(14, 0, 72, 0.5);
  padding: 7px 10px;
  border-radius: 7px;
}

.nav-link-btn:hover {
  background: rgba(14, 0, 72, 0.04);
  color: #0e0048;
}

.nav-cta {
  background: none;
  font-size: 13px;
  font-weight: 500;
  color: #0d2faa;
  padding: 7px 10px;
  border-radius: 7px;
}

.nav-cta:hover {
  background: rgba(13, 47, 170, 0.06);
}

.nav-hamburger {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
  flex-direction: column;
  gap: 5px;
  z-index: 101;
}

.nav-hamburger span {
  display: block;
  width: 24px;
  height: 1.5px;
  background: #0e0048;
  border-radius: 2px;
  transition: transform 0.3s, opacity 0.3s;
  transform-origin: center;
}

.nav-hamburger.is-open span:nth-child(1) {
  transform: translateY(6.5px) rotate(45deg);
}

.nav-hamburger.is-open span:nth-child(2) {
  opacity: 0;
}

.nav-hamburger.is-open span:nth-child(3) {
  transform: translateY(-6.5px) rotate(-45deg);
}

.mobile-menu {
  display: none;
  position: fixed;
  top: 62px;
  left: 0;
  right: 0;
  z-index: 99;
  flex-direction: column;
  padding: 8px 24px 20px;
  background: #fff;
  border-bottom: 1px solid rgba(14, 0, 72, 0.08);
  box-shadow: 0 8px 28px rgba(14, 0, 72, 0.1);
  transform: translateY(-12px);
  opacity: 0;
  transition: transform 0.3s cubic-bezier(0.4, 0, 0.2, 1), opacity 0.25s ease;
  pointer-events: none;
}

.mobile-menu.is-open {
  transform: translateY(0);
  opacity: 1;
  pointer-events: all;
}

.mobile-menu a {
  font-size: 15px;
  font-weight: 300;
  color: #0e0048;
  text-decoration: none;
  padding: 13px 4px;
  border-bottom: 1px solid rgba(14, 0, 72, 0.05);
}

.mobile-menu .m-cta {
  margin-top: 12px;
  background: linear-gradient(135deg, #0e0048, #09227c);
  color: #fff;
  border-radius: 10px;
  padding: 14px 20px;
  font-size: 14px;
  font-weight: 500;
  width: 100%;
}

.page-shell {
  padding: 90px 0 88px;
  background: #ffffff;
}

.article-header {
  max-width: 1080px;
  margin: 0 auto;
  padding: 18px 48px 40px;
}

.article-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  width: fit-content;
  margin: 0 auto 18px;
  padding: 7px 16px;
  border: 1px solid rgba(30, 62, 205, 0.18);
  border-radius: 999px;
  background: rgba(30, 62, 205, 0.06);
  font-size: 12px;
  font-weight: 500;
  letter-spacing: -0.01em;
  color: #1e3ecd;
}

.badge-dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: #1e3ecd;
  opacity: 0.65;
  flex-shrink: 0;
}

.article-category {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 20px;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--blue);
}

.article-category::before {
  content: "";
  display: block;
  width: 20px;
  height: 1px;
  background: var(--blue);
}

.article-header h1 {
  max-width: 720px;
  margin: 0 auto 20px;
  font-size: clamp(28px, 3.5vw, 42px);
  line-height: 1.15;
  letter-spacing: -0.03em;
  font-weight: 600;
  color: #111827;
  text-align: center;
  text-wrap: balance;
}

.article-lead {
  max-width: 720px;
  margin: 0 auto 22px;
  font-size: 17px;
  line-height: 1.75;
  color: #6b7280;
  text-align: center;
}

.article-meta {
  display: flex;
  align-items: center;
  justify-content: center;
  width: fit-content;
  max-width: 100%;
  gap: 16px;
  margin: 0 auto 22px;
  padding-bottom: 0;
  border-bottom: none;
  font-size: 13px;
  color: #9ca3af;
}

.author {
  display: flex;
  align-items: center;
  gap: 8px;
}

.author-avatar,
.author-card-avatar {
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 999px;
  background: linear-gradient(135deg, #0a1628, #1e3ecd);
  color: #ffffff;
  font-weight: 600;
  flex-shrink: 0;
}

.author-avatar {
  width: 32px;
  height: 32px;
  font-size: 12px;
}

.author-name {
  color: #111827;
  font-weight: 500;
}

.dot {
  width: 3px;
  height: 3px;
  border-radius: 999px;
  background: #9ca3af;
}

.article-layout {
  max-width: 1080px;
  margin: 0 auto;
  padding: 0 48px 96px;
  display: grid;
  grid-template-columns: minmax(0, 720px) 240px;
  gap: 56px;
  justify-content: center;
  align-items: start;
}

.article-body {
  min-width: 0;
  max-width: 720px;
}

.article-body h2 {
  margin: 48px 0 16px;
  font-size: 22px;
  line-height: 1.3;
  letter-spacing: -0.025em;
  font-weight: 600;
  color: #111827;
}

.article-body h3 {
  margin: 32px 0 12px;
  font-size: 17px;
  line-height: 1.45;
  letter-spacing: -0.015em;
  font-weight: 600;
  color: #111827;
}

.article-body p {
  margin: 0 0 20px;
  font-size: 16px;
  line-height: 1.78;
  color: #6b7280;
}

.article-body a {
  color: var(--blue);
  text-decoration: underline;
  text-decoration-thickness: 1px;
  text-underline-offset: 2px;
}

.article-body ul,
.article-body ol {
  margin: 0 0 20px;
  padding-left: 0;
  list-style: none;
}

.article-body ul li,
.article-body ol li {
  position: relative;
  padding: 6px 0 6px 22px;
  font-size: 15px;
  line-height: 1.68;
  color: #6b7280;
}

.article-body ul li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 15px;
  width: 6px;
  height: 6px;
  border-radius: 999px;
  background: var(--blue);
  opacity: 0.65;
}

.article-body ol {
  counter-reset: article-list;
}

.article-body ol li {
  counter-increment: article-list;
}

.article-body ol li::before {
  content: counter(article-list) ".";
  position: absolute;
  left: 0;
  top: 6px;
  font-size: 13px;
  font-weight: 600;
  color: var(--blue);
}

.tip-box {
  margin: 28px 0 8px;
  padding: 18px 22px;
  border-left: 3px solid var(--blue);
  border-radius: 0 10px 10px 0;
  background: #f0f6ff;
}

.tip-box p {
  margin: 0;
  font-size: 15px;
  color: #0f2040;
}

.article-sidebar {
  position: sticky;
  top: 88px;
}

.toc-card,
.author-card {
  border: 1px solid rgba(15, 23, 42, 0.08);
  border-radius: 14px;
  padding: 24px;
  background: #ffffff;
}

.toc-card {
  margin-bottom: 24px;
}

.toc-title,
.author-card-title {
  margin-bottom: 16px;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: #9ca3af;
}

.toc-list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 2px;
}

.toc-list a {
  display: block;
  padding: 6px 10px;
  border-radius: 6px;
  text-decoration: none;
  font-size: 13px;
  line-height: 1.4;
  color: #6b7280;
  transition: background 0.15s ease, color 0.15s ease;
}

.toc-list a:hover {
  background: #f3f4f6;
  color: #111827;
}

.toc-list a.active {
  background: #eff6ff;
  color: var(--blue);
  font-weight: 500;
}

.author-card-inner {
  display: flex;
  align-items: flex-start;
  gap: 14px;
}

.author-card-avatar {
  width: 44px;
  height: 44px;
  font-size: 15px;
}

.author-card-name {
  margin-bottom: 4px;
  font-size: 14px;
  font-weight: 600;
  color: #111827;
}

.author-card-role {
  font-size: 12px;
  color: #9ca3af;
}

.calculator-section--article {
  padding: 0;
}

.calculator-section--article .calculator-shell {
  max-width: none;
}

.calculator-section--article .calculator-card {
  margin: 0 auto;
}

.calculator-intro {
  max-width: 860px;
  margin-bottom: 24px;
}

.calculator-intro h2 {
  margin: 0 0 12px;
}

.calculator-intro p {
  margin: 0;
}

.calculator-section--article .calculator-kicker {
  margin-bottom: 16px;
}

.calculator-section--article .calculator-note {
  margin: 14px auto 0;
  max-width: 860px;
  text-align: center;
}

.article-body .article-cta {
  max-width: 860px;
  margin: 24px 0 0;
}

.faq-list {
  display: grid;
  gap: 14px;
  margin-top: 24px;
}

.faq-item {
  padding: 20px 22px;
  border: 1px solid rgba(15, 23, 42, 0.08);
  border-radius: 14px;
  background: #fbfdff;
}

.faq-item h3 {
  margin: 0 0 8px;
}

.faq-item p {
  margin: 0;
}

@media (max-width: 1024px) {
  .article-layout {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .article-sidebar {
    position: static;
  }
}

@media (max-width: 640px) {
  .article-header {
    padding: 32px 20px 40px;
  }

  .article-layout {
    padding: 0 20px 72px;
  }

  .article-meta {
    flex-wrap: wrap;
  }

  .calculator-intro,
  .calculator-section--article .calculator-note,
  .article-body .article-cta {
    max-width: none;
  }
}

@media (max-width: 460px) {
  .article-header {
    padding-left: 16px;
    padding-right: 16px;
  }

  .article-layout {
    padding-left: 16px;
    padding-right: 16px;
  }
}

.hero-section {
  max-width: 1180px;
  margin: 0 auto;
}

.calculator-shell {
  max-width: 940px;
  margin: 0 auto;
}

.hero-section {
  margin-bottom: 54px;
}

.hero-top {
  max-width: 660px;
  margin: 0 auto 34px;
  text-align: center;
}

.hero-kicker,
.calculator-kicker {
  width: fit-content;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 20px;
  padding: 7px 14px;
  border: 1px solid rgba(30, 62, 205, 0.18);
  border-radius: 999px;
  background: rgba(30, 62, 205, 0.06);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--blue);
}

.hero-kicker::before,
.calculator-kicker::before {
  content: "";
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--blue);
}

.hero-top h1,
.calculator-head h2 {
  margin: 0;
  font-size: clamp(26px, 3.5vw, 42px);
  line-height: 1.15;
  letter-spacing: -0.03em;
  font-weight: 600;
}

.hero-subline {
  max-width: 700px;
  margin: 18px auto 0;
  font-size: 18px;
  line-height: 1.65;
  color: #4a5568;
}

.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(320px, 0.95fr);
  gap: 32px;
  align-items: stretch;
}

.hero-copy,
.hero-media {
  min-width: 0;
  height: 100%;
}

.hero-copy {
  padding: 10px 12px 10px 0;
  display: flex;
  flex-direction: column;
  justify-content: center;
  min-height: 100%;
}

.hero-copy-expand-cb {
  display: none;
}

.hero-copy-lead {
  margin: 0;
  flex: 1 1 auto;
  display: flex;
  align-items: center;
  font-size: 17px;
  line-height: 1.72;
  font-weight: 300;
  color: rgba(14, 0, 72, 0.42);
}

.hero-copy-dots {
  color: #999;
  cursor: pointer;
  font-family: "Inter", sans-serif;
  font-weight: 300;
  user-select: none;
}

.hero-copy-expand-text {
  max-height: 0;
  opacity: 0;
  overflow: hidden;
  transition: max-height 0.65s ease, opacity 0.5s ease;
  font-family: "Inter", sans-serif;
  font-size: 14.5px;
  line-height: 1.84;
  font-weight: 300;
  color: rgba(14, 0, 72, 0.6);
}

.hero-copy-expand-text p {
  margin: 0 0 12px 0;
}

.hero-copy-expand-text p:last-child {
  margin-bottom: 0;
}

.hero-copy-expand-cb:checked ~ .hero-copy-expand-text {
  max-height: 520px;
  opacity: 1;
  margin-top: 16px;
}

.hero-copy-expand-cb:checked ~ .hero-copy-lead {
  flex: 0 0 auto;
  display: block;
}

.hero-copy-expand-cb:checked ~ .hero-copy-lead .hero-copy-dots {
  display: none;
}

.hero-copy-less {
  display: inline-block;
  margin-top: 14px;
  color: #999;
  cursor: pointer;
  font-family: "Inter", sans-serif;
  font-size: 13px;
  font-weight: 300;
  user-select: none;
}

.hero-media {
  display: flex;
  padding: 10px;
  border: 1px solid var(--line);
  border-radius: var(--radius-xl);
  background: rgba(255, 255, 255, 0.92);
  box-shadow: var(--shadow);
}

.hero-media img {
  width: 100%;
  height: 100%;
  border-radius: 10px;
  object-fit: cover;
}

.calculator-head {
  max-width: 780px;
  margin: 0 auto 26px;
  text-align: center;
}

.calculator-head h2 {
  font-size: clamp(30px, 4vw, 48px);
}

.calculator-card {
  max-width: 860px;
  margin: 0 auto;
  padding: 24px 22px;
  border: 1px solid var(--line);
  border-radius: 14px;
  background: rgba(255, 255, 255, 0.94);
  box-shadow: var(--shadow);
}

.controls-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
  margin-bottom: 18px;
}

.range-group {
  padding: 14px 14px 13px;
  border: 1px solid rgba(15, 23, 42, 0.08);
  border-radius: 10px;
  background: rgba(255, 255, 255, 0.82);
}

.range-header {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 12px;
  margin-bottom: 12px;
}

.range-header label {
  font-size: 12.5px;
  line-height: 1.4;
  font-weight: 400;
  color: #1e2b40;
}

.range-header output {
  flex-shrink: 0;
  font-size: 16px;
  line-height: 1;
  letter-spacing: -0.02em;
  font-weight: 500;
  color: #24324f;
}

.calculator-range {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 4px;
  margin: 0;
  border-radius: 999px;
  background: linear-gradient(90deg, rgba(15, 109, 241, 0.92) 0%, rgba(15, 109, 241, 0.92) var(--range-progress, 50%), rgba(15, 23, 42, 0.08) var(--range-progress, 50%), rgba(15, 23, 42, 0.08) 100%);
  outline: none;
  cursor: pointer;
}

.calculator-range::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 16px;
  height: 16px;
  border: 2px solid #fff;
  border-radius: 50%;
  background: var(--blue);
  box-shadow: 0 3px 10px rgba(30, 62, 205, 0.2);
}

.calculator-range::-moz-range-thumb {
  width: 16px;
  height: 16px;
  border: 2px solid #fff;
  border-radius: 50%;
  background: var(--blue);
  box-shadow: 0 3px 10px rgba(30, 62, 205, 0.2);
}

.view-switch {
  width: fit-content;
  margin: 0 auto 18px;
  padding: 3px;
  display: flex;
  gap: 3px;
  background: rgba(245, 247, 251, 0.98);
  border: 1px solid rgba(15, 23, 42, 0.08);
  border-radius: 10px;
  flex-wrap: wrap;
  justify-content: center;
}

.view-button {
  border: 1px solid transparent;
  background: transparent;
  color: #57657d;
  font-family: inherit;
  font-size: 11.5px;
  font-weight: 500;
  line-height: 1;
  padding: 9px 14px;
  border-radius: 8px;
  white-space: nowrap;
  text-align: center;
  cursor: pointer;
  transition: background 0.18s ease, color 0.18s ease, border-color 0.18s ease;
}

.view-button:hover {
  background: rgba(255, 255, 255, 0.92);
}

.view-button.active {
  background: #ffffff;
  border-color: rgba(13, 47, 170, 0.12);
  color: #15233b;
  box-shadow: 0 4px 10px rgba(15, 23, 42, 0.04);
}

.metrics-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px;
  margin-bottom: 14px;
}

.metric-card {
  padding: 14px 15px;
  border: 1px solid rgba(15, 23, 42, 0.08);
  border-radius: 10px;
  background: #ffffff;
}

.metric-label {
  display: block;
  font-size: 11.5px;
  line-height: 1.5;
  font-weight: 500;
  color: #5d6a80;
  margin-bottom: 7px;
}

.metric-value {
  display: block;
  font-size: clamp(22px, 2.4vw, 29px);
  line-height: 1;
  letter-spacing: -0.04em;
  font-weight: 500;
  color: #101c30;
}

.metric-subline {
  display: block;
  margin-top: 7px;
  font-size: 11.5px;
  line-height: 1.5;
  color: #728096;
}

.result-card {
  padding: 18px 20px;
  border: 1px solid rgba(30, 62, 205, 0.14);
  border-radius: 12px;
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.98) 0%, rgba(248, 251, 255, 0.98) 100%);
  color: #101c30;
  box-shadow: 0 10px 24px rgba(15, 23, 42, 0.04);
  text-align: center;
}

.result-card.is-negative {
  border-color: rgba(15, 23, 42, 0.1);
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.98) 0%, rgba(248, 250, 252, 0.98) 100%);
  box-shadow: 0 10px 24px rgba(15, 23, 42, 0.035);
}

.result-label {
  display: block;
  font-size: 11.5px;
  line-height: 1.5;
  font-weight: 500;
  letter-spacing: 0.02em;
  color: #667389;
}

.result-value {
  display: block;
  margin-top: 7px;
  font-size: clamp(30px, 4vw, 48px);
  line-height: 1;
  letter-spacing: -0.05em;
  font-weight: 500;
  color: var(--blue-deep);
}

.result-card.is-negative .result-value {
  color: #334155;
}

.result-subline {
  display: block;
  margin-top: 10px;
  font-size: 12.5px;
  line-height: 1.7;
  color: #64748b;
  max-width: 56ch;
  margin-left: auto;
  margin-right: auto;
}

.calculator-actions {
  margin-top: 14px;
  display: flex;
  justify-content: flex-end;
}

.calculator-cta {
  min-height: 41px;
  padding: 0 17px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border: 1px solid rgba(13, 47, 170, 0.15);
  border-radius: 9px;
  background: #ffffff;
  color: var(--blue-deep);
  text-decoration: none;
  font-size: 12.5px;
  font-weight: 500;
  box-shadow: 0 6px 16px rgba(15, 23, 42, 0.04);
}

.calculator-cta:hover {
  background: rgba(255, 255, 255, 0.9);
}

.calculator-note {
  margin: 14px auto 0;
  max-width: 860px;
  font-size: 12px;
  line-height: 1.7;
  color: rgba(91, 102, 122, 0.9);
  text-align: center;
}

.article-cta {
  max-width: 860px;
  margin: 24px auto 0;
  background: #0a1628;
  border-radius: 16px;
  padding: 40px;
  position: relative;
  overflow: hidden;
}

.article-cta::before {
  content: "";
  position: absolute;
  top: -60px;
  right: -60px;
  width: 240px;
  height: 240px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(37, 99, 235, 0.3) 0%, transparent 70%);
  pointer-events: none;
}

.article-cta h3 {
  position: relative;
  z-index: 1;
  margin: 0 0 10px;
  font-size: 20px;
  font-weight: 600;
  letter-spacing: -0.02em;
  color: #ffffff;
}

.article-cta p {
  position: relative;
  z-index: 1;
  margin: 0 0 24px;
  font-size: 14px;
  line-height: 1.6;
  color: rgba(255, 255, 255, 0.55);
}

.cta-btn {
  position: relative;
  z-index: 1;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  border: none;
  border-radius: 10px;
  padding: 12px 24px;
  background: #ffffff;
  color: #0a1628;
  font-family: "Inter", sans-serif;
  font-size: 14px;
  font-weight: 600;
  cursor: pointer;
  transition: opacity 0.2s, transform 0.2s;
}

.cta-btn:hover {
  opacity: 0.9;
  transform: translateY(-1px);
}

.cta-btn svg {
  width: 14px;
  height: 14px;
}

.tf-site-footer * {
  box-sizing: border-box;
}



.insight-section {
  padding: 0 20px 92px;
}

.insight-section--compact {
  padding-top: 0;
}

.insight-shell {
  max-width: 1120px;
  margin: 0 auto;
}

.insight-intro {
  max-width: 760px;
  margin: 0 auto 30px;
  text-align: center;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.insight-intro--compact {
  margin-bottom: 24px;
}

.insight-kicker,
.insight-link-kicker {
  width: fit-content;
  align-self: center;
  display: inline-flex;
  justify-content: center;
  align-items: center;
  padding: 7px 12px;
  border-radius: 999px;
  background: rgba(15, 109, 241, 0.08);
  border: 1px solid rgba(15, 109, 241, 0.18);
  color: #0f6df1;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.insight-intro h2 {
  margin: 0;
  font-size: clamp(30px, 3.8vw, 46px);
  line-height: 1.04;
  letter-spacing: -0.05em;
  color: #111a2d;
}

.insight-intro p,
.insight-card p,
.insight-link-card p {
  margin: 0;
  font-size: 15px;
  line-height: 1.8;
  color: #5d6d86;
}

.insight-grid,
.insight-link-grid,
.insight-faq-grid {
  display: grid;
  gap: 18px;
}

.insight-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.insight-grid--two,
.insight-faq-grid,
.insight-link-grid {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.insight-card,
.insight-link-card {
  border: 1px solid rgba(15, 23, 42, 0.08);
  border-radius: 22px;
  background: rgba(255, 255, 255, 0.92);
  box-shadow: 0 20px 40px rgba(15, 23, 42, 0.05);
}

.insight-card {
  padding: 26px 24px;
}

.insight-card h3,
.insight-link-card h3 {
  margin: 0 0 12px;
  font-size: 21px;
  line-height: 1.3;
  letter-spacing: -0.035em;
  color: #111c30;
}

.insight-card a,
.insight-link-card a {
  color: #0f6df1;
  text-decoration: none;
}

.insight-card a:hover,
.insight-link-card a:hover {
  text-decoration: underline;
}

.insight-link-grid {
  margin-bottom: 18px;
}

.insight-link-card {
  padding: 24px;
  text-decoration: none;
  color: inherit;
  transition: transform 0.18s ease, border-color 0.18s ease, box-shadow 0.18s ease;
}

.insight-link-card:hover {
  transform: translateY(-2px);
  border-color: rgba(15, 109, 241, 0.22);
  box-shadow: 0 22px 42px rgba(15, 109, 241, 0.08);
}

.insight-link-card .insight-link-kicker {
  margin-bottom: 12px;
  align-self: flex-start;
}

@media (max-width: 980px) {
  .insight-grid,
  .insight-grid--two,
  .insight-link-grid,
  .insight-faq-grid {
    grid-template-columns: 1fr;
  }
}

.tf-site-footer {
  background: #0a0f1e;
  width: 100%;
  padding: 64px 80px calc(24px + env(safe-area-inset-bottom, 0px));
  position: relative;
  overflow: hidden;
}

.tf-footer-inner {
  max-width: 1400px;
  margin: 0 auto;
}

.tf-footer-top {
  display: grid;
  grid-template-columns: 320px 1fr 1fr 1fr;
  gap: 64px;
  padding-bottom: 40px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.07);
}

.tf-footer-logo-wrap {
  margin-bottom: 16px;
}

.tf-footer-logo-img {
  height: 38px;
  width: auto;
  display: block;
  filter: brightness(0) invert(1);
  opacity: 0.9;
}

.tf-footer-brand-desc {
  font-size: 14px;
  line-height: 1.7;
  color: rgba(255, 255, 255, 0.75);
  margin-bottom: 28px;
  font-weight: 300;
}

.tf-footer-contact-info {
  display: flex;
  flex-direction: column;
  gap: 6px;
  margin-bottom: 28px;
}

.tf-footer-contact-info a,
.tf-footer-nav-col ul li a {
  font-size: 13.5px;
  color: rgba(255, 255, 255, 0.78);
  text-decoration: none;
}

.tf-footer-nav-col h5 {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.11em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.65);
  margin-bottom: 20px;
}

.tf-footer-nav-col ul {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 11px;
  margin: 0;
  padding: 0;
}

.tf-footer-trust-bar {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 24px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.07);
}

.tf-footer-avatar-stack {
  display: flex;
  align-items: center;
  flex-wrap: nowrap;
}

.tf-footer-avatar {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  border: 2.5px solid #0a0f1e;
  margin-left: -10px;
  overflow: hidden;
  flex-shrink: 0;
}

.tf-footer-avatar:first-child {
  margin-left: 0;
}

.tf-footer-avatar img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 15%;
  transform: scale(1.4);
  transform-origin: center 25%;
}

.tf-footer-trust-text {
  display: flex;
  flex-direction: column;
  gap: 3px;
}

.tf-footer-trust-count {
  font-size: 14px;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.9);
}

.tf-footer-trust-stars {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 12.5px;
  color: rgba(255, 255, 255, 0.7);
}

.tf-footer-stars {
  color: #fbbf24;
  letter-spacing: 1px;
}

.tf-footer-trust-links a {
  color: #60a5fa;
  text-decoration: none;
}

.tf-footer-bottom {
  padding-top: 18px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 16px;
}

.tf-footer-copyright,
.tf-footer-bottom-links a {
  font-size: 12.5px;
  color: rgba(255, 255, 255, 0.55);
  text-decoration: none;
}

.tf-footer-bottom-links {
  display: flex;
  gap: 20px;
}

.tf-footer-compliance-badges {
  display: flex;
  gap: 10px;
}

.tf-footer-compliance-badge {
  font-size: 11px;
  color: rgba(255, 255, 255, 0.6);
  border: 1px solid rgba(255, 255, 255, 0.2);
  padding: 4px 10px;
  border-radius: 100px;
}

@media (max-width: 980px) {
  nav {
    padding: 0 20px;
    height: 46px;
  }

  .nav-logo img {
    height: 18px;
  }

  .nav-links,
  .nav-right {
    display: none;
  }

  .nav-hamburger {
    display: flex;
  }

  .mobile-menu {
    display: flex;
    top: 46px;
  }

  .page-shell {
    padding: 84px 14px 72px;
  }

  .hero-grid,
  .controls-grid,
  .metrics-grid {
    grid-template-columns: 1fr;
  }

  .hero-copy,
  .hero-media {
    height: auto;
  }

  .hero-top h1,
  .calculator-head h2 {
    font-size: 34px;
  }

  .hero-copy {
    padding: 0;
  }

  .hero-copy-lead {
    display: block;
    flex: 0 0 auto;
    font-size: 16px;
  }

  .calculator-card {
    padding: 18px 16px;
    border-radius: 12px;
  }

  .calculator-actions {
    justify-content: stretch;
  }

  .calculator-cta {
    width: 100%;
  }

  .article-cta {
    padding: 26px 22px;
  }

  .article-cta h3 {
    font-size: 18px;
  }

  .tf-site-footer {
    padding: 40px 20px calc(24px + env(safe-area-inset-bottom, 0px));
  }

  .tf-footer-top {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .tf-footer-trust-bar,
  .tf-footer-bottom {
    flex-wrap: wrap;
  }
}