:root{--navy:#102f40;--green:#20a86b;--green-dark:#168456;--soft:#f3f8f4;--cream:#fbfaf6;--text:#27363f;--muted:#68777e;--line:#dce5e0}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--text);background:#fff}a{color:inherit}.header{height:72px;max-width:1080px;margin:auto;padding:0 22px;display:flex;align-items:center;justify-content:space-between;background:#fff}.logo,.footer-logo{font-size:27px;font-weight:850;letter-spacing:-1.2px;text-decoration:none;color:var(--navy)}.logo span,.footer-logo span{color:var(--green)}.header-link{text-decoration:none;font-weight:750;color:var(--navy)}.hero{background:linear-gradient(135deg,var(--cream),#eff7f1);padding:64px max(22px,calc((100vw - 1080px)/2));display:grid;grid-template-columns:1fr 460px;gap:64px;align-items:center}.eyebrow{margin:0 0 14px;color:#648170;font-size:12px;font-weight:850;letter-spacing:1.5px}.intro h1{margin:0 0 22px;color:var(--navy);font-size:58px;line-height:1.02;letter-spacing:-2.8px}.lead{margin:0;max-width:590px;font-size:20px;line-height:1.55}.calculator{background:#fff;border:1px solid var(--line);border-radius:20px;padding:30px;box-shadow:0 18px 50px rgba(16,47,64,.09)}.calculator h2{margin:0 0 6px;color:var(--navy);font-size:29px;letter-spacing:-.8px}.calc-intro{margin:0 0 22px;color:var(--muted);font-size:14px;line-height:1.5}.calculator label{display:block;margin:15px 0 7px;font-size:14px;font-weight:750}.field{display:grid;grid-template-columns:1fr auto;align-items:center;border:1px solid #cbd8d1;border-radius:11px;background:#fff;overflow:hidden}.field:focus-within{border-color:var(--green);box-shadow:0 0 0 3px rgba(32,168,107,.10)}.field input{min-width:0;width:100%;border:0;outline:0;padding:15px 8px 15px 15px;background:transparent;color:var(--navy);font-size:19px;font-weight:650}.field span{padding:0 15px 0 8px;color:#748078;font-weight:750}.result{margin:22px 0 14px;padding:20px;border-radius:14px;background:var(--soft);text-align:center}.result small,.result span{display:block;color:#5f7167}.result strong{display:block;margin:4px 0;color:var(--green-dark);font-size:37px;line-height:1.05;letter-spacing:-1.2px}.cta{display:block;padding:16px 18px;border-radius:11px;background:var(--green);color:#fff;text-decoration:none;text-align:center;font-weight:850}.cta:hover{background:var(--green-dark)}.disclaimer{margin:11px 3px 0;color:#78847e;font-size:11px;line-height:1.45;text-align:center}.trust{max-width:1080px;margin:auto;padding:28px 22px;display:grid;grid-template-columns:repeat(3,1fr);gap:26px;border-bottom:1px solid #edf0ee}.trust b,.trust span{display:block}.trust b{color:var(--navy);font-size:14px;margin-bottom:4px}.trust span{font-size:12px;color:var(--muted)}.why,.guides{max-width:1080px;margin:auto;padding:68px 22px}.why{max-width:820px;text-align:center}.why h2,.guides h2{margin:7px 0 15px;color:var(--navy);font-size:36px;letter-spacing:-1.2px}.why>p:not(.eyebrow){font-size:18px;line-height:1.65}.text-link{display:inline-block;margin-top:7px;color:var(--green-dark);font-weight:800;text-decoration:none}.guides{padding-top:20px}.guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.guide-grid a{display:block;border:1px solid var(--line);border-radius:14px;padding:22px;text-decoration:none}.guide-grid b,.guide-grid span{display:block}.guide-grid b{color:var(--navy);font-size:17px;line-height:1.3;margin-bottom:8px}.guide-grid span{color:var(--muted);font-size:14px;line-height:1.5}footer{margin-top:40px;background:#f4f6f4;padding:40px max(22px,calc((100vw - 1080px)/2));color:#68747a;font-size:13px}footer p{max-width:650px;line-height:1.5}footer nav{display:flex;flex-wrap:wrap;gap:18px;margin:18px 0}footer nav a,footer>a{color:#506068}footer small{display:block;margin-top:18px}
@media(max-width:760px){.header{height:66px;padding:0 20px}.logo{font-size:25px}.header-link{font-size:15px}.hero{display:block;padding:48px 20px 42px}.intro h1{font-size:43px;line-height:1.04;letter-spacing:-2px}.lead{font-size:17px;line-height:1.55}.calculator{margin-top:34px;padding:23px 20px;border-radius:17px}.calculator h2{font-size:27px}.field input{font-size:18px;padding:14px 6px 14px 14px}.field span{padding-right:14px}.result strong{font-size:35px}.trust{grid-template-columns:1fr;gap:0;padding:18px 20px}.trust div{padding:12px 0;border-bottom:1px solid #e9eeeb}.trust div:last-child{border:0}.why,.guides{padding:52px 20px}.why{text-align:left}.why h2,.guides h2{font-size:30px}.why>p:not(.eyebrow){font-size:16px}.guide-grid{grid-template-columns:1fr;gap:12px}footer{padding:36px 20px}}

/* v4 content expansion */
.article{max-width:780px;margin:0 auto;padding:64px 24px 80px}.article.wide{max-width:1120px}.article h1{font-size:clamp(2.1rem,6vw,3.5rem);line-height:1.05;margin:10px 0 18px}.article>p:not(.eyebrow):not(.lead):not(.disclaimer){font-size:1.08rem;line-height:1.75;color:#26394a}.article .lead{margin-bottom:34px}.article-cta{margin:42px 0 24px;padding:28px;border-radius:20px;background:#f1f8f3}.article-cta h2{margin-top:0}.all-guides{margin-top:36px}.all-guides a{min-height:145px}.more-guides{display:inline-block;margin-top:24px;font-weight:800;color:#176b45;text-decoration:none}@media(max-width:640px){.article{padding:40px 20px 60px}.article-cta{padding:22px}.all-guides{grid-template-columns:1fr}}

.topnav{display:flex;gap:22px;align-items:center}.topnav a{text-decoration:none;font-weight:750;color:var(--navy);font-size:14px}.guides-more{text-align:center;margin-top:25px}.complete{max-width:1036px;margin:15px auto 75px;padding:30px;border-radius:18px;background:var(--navy);color:#fff}.complete h2{margin:5px 0 10px;font-size:30px}.complete .eyebrow{color:#a8d4bd}.cta.inline{display:inline-block;width:auto;margin-top:10px}.article-extra{max-width:780px;margin:0 auto;padding:0 24px 55px}.article-extra h2{color:var(--navy);font-size:24px;margin:25px 0 8px}.article-extra p{line-height:1.75}.article-note{font-size:13px;color:var(--muted);border-top:1px solid var(--line);padding-top:16px;margin-top:28px}@media(max-width:760px){.topnav a:not(:first-child){display:none}.complete{margin:0 20px 55px;padding:24px}.complete h2{font-size:26px}.article-extra{padding:0 20px 45px}}

.cornerstones,.feature-guides{max-width:1036px;margin:45px auto;padding:0 24px}.cornerstones>h2,.feature-guides>h2{font-size:32px;color:var(--navy);margin:6px 0 8px}.cornerstones>p,.feature-guides>p{color:var(--muted);line-height:1.6}.corner-card{border:2px solid #dfece5!important}.cornerstone .toc{background:var(--soft);border:1px solid var(--line);border-radius:16px;padding:22px 25px;margin:28px 0}.toc ol{margin:12px 0 0;padding-left:22px}.toc li{margin:7px 0}.toc a{color:var(--green-dark);text-decoration:none}.cornerstone section{scroll-margin-top:30px}.faq details{border-top:1px solid var(--line);padding:15px 0}.faq summary{font-weight:800;color:var(--navy);cursor:pointer}.faq details p{margin:10px 0 0}.feature-guides{background:var(--soft);border-radius:20px;padding:30px;margin-bottom:75px}.feature-links{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:22px 0}.feature-links a{background:#fff;border:1px solid var(--line);padding:18px;border-radius:14px;text-decoration:none;color:var(--navy);font-weight:800}@media(max-width:760px){.cornerstones,.feature-guides{margin:30px 20px;padding:0}.cornerstones>h2,.feature-guides>h2{font-size:27px}.feature-guides{padding:24px;margin-bottom:55px}.feature-links{grid-template-columns:1fr}.cornerstone .toc{padding:18px}}

.money-categories{max-width:1036px;margin:20px auto 80px;padding:0 24px}.money-categories h2{font-size:32px;color:var(--navy)}.category-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.category-grid a{padding:25px;border:1px solid var(--line);border-radius:18px;text-decoration:none;background:#fff}.category-grid b,.category-grid span{display:block}.category-grid b{font-size:21px;color:var(--navy);margin-bottom:8px}.category-grid span{color:var(--muted);line-height:1.5}.article.wide>h2{margin-top:45px;color:var(--navy)}@media(max-width:760px){.topnav a:nth-child(2),.topnav a:nth-child(3),.topnav a:nth-child(4),.topnav a:nth-child(5){display:none}.category-grid{grid-template-columns:1fr}.money-categories{margin:20px 20px 55px;padding:0}}

/* V8 homepage / information architecture */
.menu-btn{display:none;border:0;background:transparent;font-size:25px;color:var(--navy)}
.new-hero{max-width:1100px;margin:55px auto 65px;padding:0 24px;display:grid;grid-template-columns:1.45fr .7fr;gap:50px;align-items:center}
.new-hero h1{font-size:52px;line-height:1.04;letter-spacing:-1.7px;color:var(--navy);margin:10px 0 20px;max-width:720px}
.hero-lead{font-size:20px;line-height:1.6;color:var(--muted);max-width:700px}
.hero-actions{display:flex;gap:12px;align-items:center;margin-top:28px}.hero-actions .cta{width:auto}
.secondary-cta{padding:15px 20px;border:1px solid var(--line);border-radius:12px;text-decoration:none;color:var(--navy);font-weight:800;background:#fff}
.trust-row{display:flex;gap:22px;margin-top:22px;font-size:13px;font-weight:750;color:var(--green-dark)}
.hero-panel{background:var(--navy);color:#fff;padding:30px;border-radius:22px;box-shadow:0 18px 45px rgba(16,47,64,.12)}
.mini-stat small,.mini-stat strong,.mini-stat span{display:block}.mini-stat small{opacity:.7;text-transform:uppercase;font-weight:800;letter-spacing:.7px}.mini-stat strong{font-size:28px;margin:12px 0 8px}.mini-stat span{line-height:1.5}.hero-panel>p{font-size:11px;opacity:.65;margin:18px 0 0}
.choose-section,.content-hub,.why-section{max-width:1100px;margin:0 auto 80px;padding:0 24px}.section-heading{max-width:760px;margin-bottom:28px}.section-heading h2{font-size:36px;color:var(--navy);margin:6px 0 10px}.section-heading>p:last-child{color:var(--muted);font-size:17px;line-height:1.55}
.big-categories{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.big-category{display:flex;gap:16px;padding:26px;border:1px solid var(--line);border-radius:20px;text-decoration:none;background:#fff;transition:.15s}.big-category:hover{transform:translateY(-3px);box-shadow:0 14px 35px rgba(16,47,64,.08)}
.cat-icon{width:48px;height:48px;min-width:48px;border-radius:14px;background:var(--soft);display:grid;place-items:center;color:var(--green-dark);font-weight:900;font-size:20px}.big-category small{font-size:10px;font-weight:850;color:var(--green-dark);letter-spacing:.6px}.big-category h3{font-size:24px;color:var(--navy);margin:5px 0 8px}.big-category p{color:var(--muted);line-height:1.5;margin:0 0 14px}.big-category span{font-weight:800;color:var(--green-dark)}
.calc-section{background:var(--soft);padding:60px max(24px,calc((100% - 1052px)/2));display:grid;grid-template-columns:.8fr 1.2fr;gap:55px;align-items:start;margin-bottom:80px}.calc-intro h2{font-size:36px;color:var(--navy);line-height:1.15}.calc-intro p:last-child{color:var(--muted);line-height:1.6}.calculator{background:#fff;border:1px solid var(--line);border-radius:20px;padding:28px}.calculator label{display:block;font-weight:800;color:var(--navy);font-size:13px}.input-wrap{display:flex;align-items:center;border:1px solid var(--line);border-radius:11px;margin-top:7px;overflow:hidden}.input-wrap input{border:0;padding:14px;width:100%;font-size:17px;outline:0}.input-wrap span{padding-right:14px;color:var(--muted)}.rate-grid{display:grid;grid-template-columns:1fr 1fr;gap:15px;margin-top:17px}.calc-button{border:0;margin-top:20px;width:100%;cursor:pointer}.result{margin-top:18px;background:var(--navy);color:#fff;border-radius:14px;padding:20px;text-align:center}.result small,.result strong,.result span{display:block}.result strong{font-size:31px;margin:5px 0}.calc-note{font-size:11px;color:var(--muted);line-height:1.45}
.featured-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.featured-grid a{padding:24px;border:1px solid var(--line);border-radius:18px;text-decoration:none;background:#fff}.featured-grid small{font-weight:850;color:var(--green-dark);font-size:10px;letter-spacing:.7px}.featured-grid h3{color:var(--navy);font-size:20px;margin:8px 0}.featured-grid p{color:var(--muted);line-height:1.5}.featured-grid span{font-weight:800;color:var(--green-dark)}.all-guides-link{text-align:center;margin-top:28px}
.why-section{background:var(--navy);color:#fff;border-radius:22px;padding:35px}.why-section h2{font-size:32px;margin:5px 0 25px}.why-section .eyebrow{color:#a8d4bd}.why-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:25px}.why-grid b{font-size:19px}.why-grid p{opacity:.78;line-height:1.5}
@media(max-width:800px){
.header{position:relative}.menu-btn{display:block}.topnav{display:none;position:absolute;z-index:20;left:14px;right:14px;top:65px;background:#fff;border:1px solid var(--line);border-radius:14px;padding:8px;box-shadow:0 15px 35px rgba(16,47,64,.12)}.topnav.open{display:block}.topnav a{display:block!important;padding:12px 14px}
.new-hero{display:block;margin:35px auto 45px}.new-hero h1{font-size:39px}.hero-lead{font-size:17px}.hero-actions{display:block}.hero-actions a{display:block;text-align:center;margin-bottom:10px}.trust-row{gap:10px;flex-wrap:wrap}.hero-panel{margin-top:30px}
.choose-section,.content-hub{margin-bottom:55px}.section-heading h2{font-size:29px}.big-categories{grid-template-columns:1fr}.big-category{padding:21px}
.calc-section{display:block;padding:45px 20px;margin-bottom:55px}.calc-intro h2{font-size:29px}.calculator{margin-top:25px;padding:20px}.rate-grid{grid-template-columns:1fr}.featured-grid{grid-template-columns:1fr}.why-section{margin:0 20px 55px;padding:26px}.why-grid{grid-template-columns:1fr;gap:12px}
}

/* V9 depth, SEO and polish */
.article section{margin:38px 0}.article section h2{color:var(--navy);font-size:27px;letter-spacing:-.45px;margin:0 0 12px}.article section p,.article li{font-size:1.03rem;line-height:1.78}.article ul{padding-left:22px}.article li{margin:8px 0}.related-guides{margin:44px 0 20px;padding:25px;background:var(--soft);border-radius:18px}.related-guides h2{margin-top:0!important}.related-guides a{display:block;padding:10px 0;color:var(--green-dark);font-weight:800;text-decoration:none;border-bottom:1px solid var(--line)}.related-guides a:last-child{border:0}.checklist li::marker{color:var(--green)}.v9-library,.seo-home{max-width:1100px;margin:60px auto;padding:0 24px}.v9-library>h2,.seo-home>h2{font-size:36px;color:var(--navy);letter-spacing:-1px;margin-bottom:10px}.v9-library>p,.seo-home>p{max-width:780px;color:var(--muted);font-size:17px;line-height:1.65}.knowledge-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:15px;margin-top:28px}.knowledge-grid a{border:1px solid var(--line);border-radius:16px;padding:22px;text-decoration:none;transition:.15s}.knowledge-grid a:hover{transform:translateY(-2px);box-shadow:0 10px 30px rgba(16,47,64,.07)}.knowledge-grid small,.knowledge-grid b,.knowledge-grid span{display:block}.knowledge-grid small{color:var(--green-dark);font-size:10px;font-weight:850;letter-spacing:.7px}.knowledge-grid b{color:var(--navy);font-size:19px;margin:7px 0}.knowledge-grid span{color:var(--muted);line-height:1.5;font-size:14px}.seo-home{border-top:1px solid var(--line);padding-top:65px}.seo-columns{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;margin-top:32px}.seo-columns h3{color:var(--navy);font-size:21px}.seo-columns p{color:var(--muted);line-height:1.65}.seo-columns a{color:var(--green-dark);font-weight:800;text-decoration:none}@media(max-width:760px){.article section{margin:32px 0}.article section h2{font-size:24px}.knowledge-grid,.seo-columns{grid-template-columns:1fr}.v9-library,.seo-home{margin:45px auto;padding-left:20px;padding-right:20px}.v9-library>h2,.seo-home>h2{font-size:29px}.seo-home{padding-top:45px}}

/* V10 balanced homepage */
.topic-panel{padding:20px}.topic-panel>.eyebrow{margin:6px 8px 10px;color:#a8d4bd}.topic-panel a{display:block;padding:17px 14px;border-top:1px solid rgba(255,255,255,.14);text-decoration:none}.topic-panel a b,.topic-panel a span{display:block}.topic-panel a b{font-size:20px;margin-bottom:4px}.topic-panel a span{font-size:13px;line-height:1.45;opacity:.75}.quick-knowledge,.deep-home{max-width:1100px;margin:0 auto 80px;padding:0 24px}.quick-grid,.deep-columns{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.quick-grid article{border:1px solid var(--line);border-radius:20px;padding:26px}.quick-grid small{color:var(--green-dark);font-weight:850;letter-spacing:.7px;font-size:10px}.quick-grid h3,.deep-columns h3{color:var(--navy);font-size:22px;line-height:1.25;margin:8px 0 10px}.quick-grid p,.deep-columns p{color:var(--muted);line-height:1.65}.quick-grid a,.deep-columns a{color:var(--green-dark);font-weight:800;text-decoration:none}.compact-calc{margin-top:20px}.deep-home{padding-top:10px}.deep-columns>div{background:var(--soft);border-radius:18px;padding:25px}.balanced-hero .hero-panel{min-width:0}
@media(max-width:800px){.quick-knowledge,.deep-home{margin-bottom:55px;padding:0 20px}.quick-grid,.deep-columns{grid-template-columns:1fr}.quick-grid article,.deep-columns>div{padding:21px}.balanced-hero .topic-panel{margin-top:28px}.compact-calc{margin-top:0}}

/* V11 */.breadcrumbs{display:flex;gap:8px;flex-wrap:wrap;font-size:12px;color:var(--muted);margin-bottom:24px}.breadcrumbs a{color:var(--green-dark)}.trust-box{background:#f5faf7;border-left:4px solid var(--green-dark);padding:18px 20px;border-radius:10px;margin:24px 0}.related-box{margin-top:40px;padding:24px;background:var(--soft);border-radius:16px}.related-links{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}.related-links a{background:#fff;border:1px solid var(--line);border-radius:10px;padding:13px;text-decoration:none;color:var(--navy);font-weight:750}.tool-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin:30px 0}.tool-card{border:1px solid var(--line);border-radius:18px;padding:22px}.tool-card label{display:block;margin:12px 0;font-weight:700}.tool-card input{display:block;width:100%;box-sizing:border-box;padding:12px;margin-top:5px;border:1px solid var(--line);border-radius:9px}.tool-card button{width:100%;padding:13px;border:0;border-radius:10px;background:var(--green-dark);color:#fff;font-weight:800}.tool-result{margin-top:14px;padding:14px;background:var(--soft);border-radius:10px}@media(max-width:800px){.related-links,.tool-grid{grid-template-columns:1fr}}
/* V12 editorial */
.editorial-example{margin:38px 0;padding:24px 26px;background:#f7faf8;border:1px solid var(--line);border-radius:16px}
.editorial-example h2{margin-top:5px}.editorial-example p:last-child{margin-bottom:0}
.article p{line-height:1.72}.article h2{line-height:1.22}
@media(max-width:800px){.editorial-example{padding:20px}}

/* V13 link architecture */
.category-hero{max-width:1040px;margin:45px auto 28px;padding:0 24px}.category-hero h1{font-size:42px;line-height:1.08;color:var(--navy);margin:8px 0 14px}.category-hero .lead{max-width:780px}.category-meta{display:flex;gap:16px;align-items:center;color:var(--muted);margin-top:18px}.category-meta b{color:var(--green-dark)}
.category-list,.guide-category-overview{max-width:1040px;margin:0 auto 62px;padding:0 24px}.guide-list-v13{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}.guide-list-v13.compact{grid-template-columns:repeat(3,1fr)}
.guide-card-v13{display:block;padding:22px;border:1px solid var(--line);border-radius:16px;background:#fff;text-decoration:none}.guide-card-v13 h3{font-size:19px;color:var(--navy);margin:0 0 8px}.guide-card-v13 p{color:var(--muted);line-height:1.5;margin:0 0 14px}.guide-card-v13 span{color:var(--green-dark);font-weight:800}
.guide-category-head{display:flex;justify-content:space-between;gap:28px;align-items:end;margin-bottom:20px}.guide-category-head h2{font-size:31px;color:var(--navy);margin:5px 0}.guide-category-head>div>p:last-child{color:var(--muted)}.guide-category-head>a{white-space:nowrap;color:var(--green-dark);font-weight:800;text-decoration:none}
.topic-jumps{display:flex;gap:10px;flex-wrap:wrap;margin-top:22px}.topic-jumps a{padding:10px 14px;border:1px solid var(--line);border-radius:999px;color:var(--navy);text-decoration:none;font-weight:750;background:#fff}
.category-bottom,.hub-all-guides{max-width:992px;margin:20px auto 70px;padding:28px;background:var(--soft);border-radius:18px}.category-bottom h2,.hub-all-guides h2{color:var(--navy);margin:5px 0 8px}.back-to-topic{margin-top:34px;padding-top:20px;border-top:1px solid var(--line)}.back-to-topic a{color:var(--green-dark);font-weight:800;text-decoration:none}
@media(max-width:800px){.category-hero{margin-top:30px}.category-hero h1{font-size:34px}.guide-list-v13,.guide-list-v13.compact{grid-template-columns:1fr}.guide-category-head{display:block}.guide-category-head>a{display:inline-block;margin-top:8px}.category-bottom,.hub-all-guides{margin:20px 20px 55px}.category-meta{display:block}.category-meta span{display:block;margin-top:5px}}

/* V14 complete guide lists */
.all-guides-v14{max-width:1040px;margin:0 auto 80px;padding:0 24px}
.guide-row-v14{display:flex;justify-content:space-between;gap:24px;align-items:center;padding:22px 0;border-bottom:1px solid var(--line);text-decoration:none}
.guide-row-v14 h2{font-size:21px;color:var(--navy);margin:0 0 6px}.guide-row-v14 p{margin:0;color:var(--muted);line-height:1.5}.guide-row-v14>span{color:var(--green-dark);font-weight:800;white-space:nowrap}.count-v14{margin-top:18px;color:var(--muted)}.count-v14 strong{color:var(--navy)}
@media(max-width:800px){.guide-row-v14{align-items:flex-start}.guide-row-v14 h2{font-size:19px}}

/* SEO V16 related */
.seo-related{max-width:1100px;margin:48px auto;padding:0 24px}
.seo-related h2{margin-bottom:16px}
.seo-related ul{margin:0;padding-left:1.2rem}
.seo-related li{margin:.65rem 0}
.seo-related a{font-weight:700}

/* V17 search intent */
.search-intent-box{margin:24px 0;padding:18px 20px;border:1px solid currentColor;border-radius:14px;line-height:1.65}
.search-intent-box strong{font-weight:800}

/* V18 deep content */
.editorial-expansion,.hub-editorial{max-width:980px;margin:56px auto;padding:0 4px}
.editorial-expansion h2,.hub-editorial h2{margin-bottom:18px}
.editorial-expansion h3{margin-top:30px;margin-bottom:10px}
.editorial-expansion p,.hub-editorial p{line-height:1.75}
.editorial-expansion ul{padding-left:22px;line-height:1.7}
.editorial-expansion li{margin:8px 0}

/* V21 Adtraction editorial review */
.editorial-review-v21{max-width:920px;margin:52px auto;padding:0 4px}
.editorial-review-v21 h2{margin-bottom:16px}
.editorial-review-v21 p{line-height:1.78;margin:0 0 18px}

/* V22 structural layout QA */
.content-extension{max-width:780px;margin:0 auto;padding:0 24px 55px}.content-extension section{margin:34px 0}.content-extension h2{color:var(--navy);font-size:24px;line-height:1.22;margin:25px 0 8px}.content-extension p{line-height:1.75}.editorial-review-v21{padding-left:24px;padding-right:24px}.guides>.editorial-review-v21{max-width:780px}.guides>section:not([class]){max-width:780px;margin:34px auto}.guides>section:not([class]) p{line-height:1.75}@media(max-width:760px){.content-extension{padding:0 20px 45px}.editorial-review-v21{padding-left:20px;padding-right:20px}.guides>section:not([class]){margin:30px auto}}

/* Main category landing pages */
.category-hero .hero-actions{margin-top:24px}.category-hero+.article{padding-top:22px}.category-hero+.guides{padding-top:10px}@media(max-width:800px){.category-hero .hero-actions{margin-top:20px}}


/* V22 main category layout alignment fix */
body.main-category-page .category-hero,
body.main-category-page main.guides{
  width:100%;
  max-width:1040px;
  margin-left:auto;
  margin-right:auto;
  padding-left:24px;
  padding-right:24px;
}
body.main-category-page .category-hero{
  margin-top:42px;
  margin-bottom:30px;
}
body.main-category-page main.guides{
  padding-top:12px;
  padding-bottom:64px;
}
body.main-category-page main.guides > h2,
body.main-category-page main.guides > p,
body.main-category-page main.guides > section{
  width:100%;
  max-width:none;
  margin-left:0;
  margin-right:0;
}
body.main-category-page main.guides > section:not([class]),
body.main-category-page main.guides > .hub-editorial,
body.main-category-page main.guides > .editorial-review-v21{
  padding-left:0;
  padding-right:0;
  margin-top:42px;
  margin-bottom:42px;
}
body.main-category-page main.guides > .hub-all-guides{
  max-width:none;
  margin:48px 0 0;
  padding:28px;
}
body.main-category-page main.guides > .seo-related{
  max-width:none;
  margin:34px 0 0;
  padding:0;
}
body.main-category-page main.guides p{
  line-height:1.7;
}
body.main-category-page main.guides h2{
  line-height:1.18;
}
@media(max-width:800px){
  body.main-category-page .category-hero,
  body.main-category-page main.guides{
    padding-left:20px;
    padding-right:20px;
  }
  body.main-category-page .category-hero{
    margin-top:28px;
    margin-bottom:24px;
  }
  body.main-category-page main.guides{
    padding-top:8px;
    padding-bottom:48px;
  }
  body.main-category-page main.guides > section:not([class]),
  body.main-category-page main.guides > .hub-editorial,
  body.main-category-page main.guides > .editorial-review-v21{
    margin-top:34px;
    margin-bottom:34px;
    padding-left:0;
    padding-right:0;
  }
  body.main-category-page main.guides > .hub-all-guides{
    margin:40px 0 0;
    padding:22px;
  }
  body.main-category-page main.guides > .seo-related{
    margin:30px 0 0;
    padding:0;
  }
  body.main-category-page .hero-actions{
    margin-top:20px;
  }
}

/* V23 mortgage landing hero */
body.main-category-page .mortgage-hero{max-width:1100px;display:grid;grid-template-columns:minmax(0,1.15fr) minmax(300px,.85fr);gap:34px;align-items:stretch;padding:28px;border:1px solid var(--line);border-radius:18px;background:linear-gradient(135deg,#f4fbf7 0%,#fff 72%)}
.mortgage-hero-copy{padding:8px 4px}.mortgage-hero h1{max-width:700px;margin-bottom:14px}.mortgage-hero .lead{max-width:680px}.hero-trust{display:flex;flex-wrap:wrap;gap:14px 24px;margin-top:24px;font-size:14px;font-weight:700;color:var(--navy)}.hero-trust span::first-letter{color:var(--green-dark)}
.mortgage-example{background:#fff;border:1px solid var(--line);border-radius:15px;padding:24px;box-shadow:0 8px 28px rgba(14,43,54,.06)}.mortgage-example h2{font-size:22px;margin:4px 0 18px}.example-kicker{font-size:12px;font-weight:800;letter-spacing:.08em;color:var(--green-dark);margin:0}.example-row{display:flex;justify-content:space-between;gap:18px;padding:10px 0;border-bottom:1px solid var(--line);font-size:15px}.example-result{margin-top:18px;padding:17px;border-radius:12px;background:#eef9f3}.example-result span{display:block;font-size:13px}.example-result strong{display:block;margin-top:5px;font-size:28px;color:var(--green-dark)}.mortgage-example small{display:block;margin-top:12px;line-height:1.45;color:var(--muted)}
.mortgage-benefits{max-width:1100px;margin:0 auto 34px;padding:0 24px;display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:16px;overflow:hidden}.mortgage-benefits>div{background:#fff;padding:22px}.mortgage-benefits strong,.mortgage-benefits span{display:block}.mortgage-benefits strong{color:var(--navy);margin-bottom:8px}.mortgage-benefits span{font-size:14px;line-height:1.5;color:var(--muted)}
@media(max-width:800px){body.main-category-page .mortgage-hero{display:block;margin-top:22px;padding:20px;border-radius:14px}.mortgage-hero-copy{padding:0}.mortgage-hero h1{font-size:32px;line-height:1.08}.mortgage-example{margin-top:26px;padding:19px}.hero-trust{gap:10px 16px;font-size:13px}.mortgage-benefits{grid-template-columns:1fr 1fr;padding:0;margin:0 20px 30px}.mortgage-benefits>div{padding:17px}.example-result strong{font-size:25px}}
@media(max-width:480px){.mortgage-benefits{grid-template-columns:1fr}.mortgage-hero .hero-actions{display:flex;flex-direction:column;align-items:stretch}.mortgage-hero .hero-actions a{text-align:center}}


/* V24 premium category landing heroes */
body.main-category-page .premium-hero{
  width:calc(100% - 40px);max-width:1120px;margin:34px auto 22px;padding:34px;
  display:grid;grid-template-columns:minmax(0,1.05fr) minmax(360px,.95fr);gap:36px;align-items:center;
  border:1px solid #d7e6de;border-radius:22px;
  background:linear-gradient(135deg,#eff9f3 0%,#f8fcfa 46%,#ffffff 100%);
  box-shadow:0 8px 30px rgba(16,47,64,.035)
}
.premium-copy{padding:8px 2px}.premium-copy .eyebrow{color:var(--green-dark);margin-bottom:12px}
.premium-copy h1{margin:0 0 16px;color:var(--navy);font-size:clamp(38px,4.5vw,56px);line-height:1.02;letter-spacing:-1.8px;max-width:680px}
.premium-lead{margin:0;max-width:680px;font-size:18px;line-height:1.65;color:#40545e}
.premium-copy .hero-actions{margin-top:26px}.premium-copy .cta,.premium-copy .secondary-cta{min-height:50px;display:inline-flex;align-items:center;justify-content:center;padding:0 20px}
.premium-trust{display:flex;flex-wrap:wrap;gap:10px 22px;margin-top:22px;color:#245540;font-size:13px;font-weight:750}
.premium-visual{background:#fff;border:1px solid #d8e4de;border-radius:18px;padding:24px;box-shadow:0 14px 38px rgba(16,47,64,.08)}
.visual-head{display:flex;justify-content:space-between;gap:18px;align-items:flex-start;margin-bottom:18px}.visual-head h2{margin:5px 0 0;color:var(--navy);font-size:23px;line-height:1.2}.visual-kicker{color:var(--green-dark);font-size:11px;font-weight:850;letter-spacing:1.1px}.visual-icon{flex:0 0 44px;height:44px;border-radius:14px;display:grid;place-items:center;background:#e8f7ef;color:var(--green-dark);font-weight:900;font-size:18px}
.visual-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}.metric{min-height:92px;padding:15px;border:1px solid #e1e9e5;border-radius:12px;background:#fff}.metric span,.metric strong{display:block}.metric span{font-size:12px;color:#6a7a72;margin-bottom:8px}.metric strong{color:var(--navy);font-size:16px;line-height:1.25}.metric.accent{background:#eaf8f0;border-color:#d7eddf}.metric.accent strong{color:var(--green-dark);font-size:22px}.metric.good{background:#f4fbf7}.metric.warn{background:#fffaf3}
.visual-note{margin:14px 2px 0;font-size:11px;line-height:1.5;color:#75827c}
.premium-benefits{width:calc(100% - 40px);max-width:1120px;margin:0 auto 42px;display:grid;grid-template-columns:repeat(4,1fr);border:1px solid #dce6e1;border-radius:18px;overflow:hidden;background:#fff;box-shadow:0 4px 18px rgba(16,47,64,.025)}
.premium-benefits>div{position:relative;padding:22px 20px 20px;border-right:1px solid #e6ece9}.premium-benefits>div:last-child{border-right:0}.benefit-icon{width:38px;height:38px;border-radius:50%;display:grid;place-items:center;margin-bottom:14px;background:var(--green);color:#fff;font-weight:900;font-size:15px}.premium-benefits strong{display:block;color:var(--navy);font-size:15px;margin-bottom:7px}.premium-benefits p{margin:0;color:var(--muted);font-size:13px;line-height:1.48}
body.main-category-page .premium-benefits + main.guides{padding-top:2px}
body.main-category-page main>.premium-hero{margin-top:34px}
body.main-category-page main>.premium-benefits{margin-bottom:42px}
@media(max-width:850px){
  body.main-category-page .premium-hero,body.main-category-page main>.premium-hero{width:calc(100% - 24px);display:block;margin-top:20px;padding:22px 18px;border-radius:18px}
  .premium-copy h1{font-size:34px;letter-spacing:-1.1px}.premium-lead{font-size:16px}.premium-visual{margin-top:26px;padding:18px;border-radius:15px}.visual-head h2{font-size:20px}
  .premium-benefits,body.main-category-page main>.premium-benefits{width:calc(100% - 24px);grid-template-columns:1fr 1fr;margin-bottom:32px}.premium-benefits>div:nth-child(2){border-right:0}.premium-benefits>div:nth-child(-n+2){border-bottom:1px solid #e6ece9}.premium-benefits>div{padding:18px}
}
@media(max-width:520px){
  .premium-copy h1{font-size:31px;line-height:1.06}.premium-copy .hero-actions{display:grid;grid-template-columns:1fr;gap:10px}.premium-copy .hero-actions a{width:100%;text-align:center}.premium-trust{display:grid;grid-template-columns:1fr;gap:7px}.visual-grid{grid-template-columns:1fr}.metric{min-height:auto}.premium-benefits,body.main-category-page main>.premium-benefits{grid-template-columns:1fr}.premium-benefits>div{border-right:0;border-bottom:1px solid #e6ece9}.premium-benefits>div:last-child{border-bottom:0}
}

/* V25 alignment normalization: keep added editorial blocks on the same grid as their parent page */
.article .editorial-review-v21{max-width:none;margin:42px 0 0;padding-left:0;padding-right:0}
.article + .seo-related{max-width:780px}
.all-guides-v14 + .content-extension{max-width:1040px}
@media(max-width:760px){
  .article .editorial-review-v21{margin-top:34px;padding-left:0;padding-right:0}
  .article + .seo-related{padding-left:20px;padding-right:20px}
  .all-guides-v14 + .content-extension{padding-left:20px;padding-right:20px}
}


/* V26 campaign landing pages + Adtraction visual proposal */
.campaign-page{background:#f7faf8}.campaign-shell{max-width:1040px;margin:0 auto;padding:38px 24px 70px}.campaign-hero{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(320px,.85fr);gap:30px;align-items:stretch;background:linear-gradient(135deg,#eff9f3 0%,#fff 72%);border:1px solid #d7e6de;border-radius:22px;padding:32px}.campaign-hero h1{font-size:clamp(36px,5vw,54px);line-height:1.03;letter-spacing:-1.4px;color:var(--navy);margin:8px 0 16px}.campaign-lead{font-size:18px;line-height:1.65;color:#40545e}.campaign-trust{display:flex;gap:16px;flex-wrap:wrap;margin-top:22px;font-size:13px;font-weight:800;color:#245540}.campaign-panel{background:#fff;border:1px solid #dbe7e1;border-radius:18px;padding:24px;box-shadow:0 12px 34px rgba(16,47,64,.07)}.campaign-panel h2{margin:0 0 12px;font-size:23px;color:var(--navy)}.campaign-panel p{color:var(--muted);line-height:1.55}.campaign-points{display:grid;gap:10px;margin-top:18px}.campaign-points div{padding:12px 14px;border-radius:12px;background:#f4fbf7;color:var(--navy);font-weight:700}.campaign-content{max-width:820px;margin:42px auto 0}.campaign-content h2{font-size:30px;color:var(--navy);margin:34px 0 12px}.campaign-content p{line-height:1.75;color:#3f4f56}.partner-preview{margin:42px 0 12px;border:1px solid #d7e2dd;border-radius:18px;background:#fff;overflow:hidden}.partner-disclosure{padding:12px 18px;background:#edf8f2;color:#245540;font-weight:850;font-size:13px;border-bottom:1px solid #d7e2dd}.partner-card{display:grid;grid-template-columns:1fr auto;gap:22px;padding:24px;align-items:center}.partner-card h3{font-size:22px;color:var(--navy);margin:0 0 8px}.partner-card p{margin:5px 0;color:var(--muted);line-height:1.55}.partner-badges{display:flex;gap:8px;flex-wrap:wrap;margin-top:12px}.partner-badges span{font-size:12px;font-weight:750;padding:7px 9px;border:1px solid #dce7e1;border-radius:999px}.partner-example{margin-top:14px;padding:14px;border-radius:12px;background:#f8faf9;font-size:13px;line-height:1.55;color:#53625b}.partner-example b{color:var(--navy)}.partner-cta{display:inline-flex;min-width:180px;justify-content:center;align-items:center;background:var(--green-dark);color:#fff!important;text-decoration:none;font-weight:850;border-radius:11px;padding:14px 18px}.partner-note{font-size:12px;color:#6d7b74;line-height:1.55;margin:10px 18px 18px}.compliance-box{margin-top:24px;padding:20px;border-left:4px solid var(--green-dark);background:#f5faf7;border-radius:12px}.compliance-box strong{display:block;color:var(--navy);margin-bottom:6px}.compliance-box p{margin:0;color:var(--muted);line-height:1.6}.campaign-alt{margin-top:34px;padding:22px;border-radius:16px;background:#eef8f3}.campaign-alt h3{margin:0 0 8px;color:var(--navy)}
@media(max-width:760px){.campaign-shell{padding:24px 14px 55px}.campaign-hero{display:block;padding:21px 18px;border-radius:18px}.campaign-hero h1{font-size:34px}.campaign-panel{margin-top:24px;padding:18px}.partner-card{grid-template-columns:1fr}.partner-cta{width:100%;box-sizing:border-box}.campaign-content{margin-top:30px}.campaign-content h2{font-size:25px}}


/* V32 category consistency + guide category cards */
.topic-jumps.topic-cards-v32{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px;margin-top:24px}
.topic-jumps.topic-cards-v32 a{min-width:0;min-height:178px;padding:22px;border:1px solid var(--line);border-radius:18px;background:#fff;display:flex;flex-direction:column;align-items:flex-start;justify-content:flex-start;font-weight:400;transition:transform .15s,box-shadow .15s,border-color .15s}
.topic-jumps.topic-cards-v32 a:hover{transform:translateY(-2px);border-color:#c8ddd2;box-shadow:0 12px 28px rgba(16,47,64,.07)}
.topic-jumps.topic-cards-v32 small{display:block;color:var(--green-dark);font-size:10px;font-weight:850;letter-spacing:1px;margin-bottom:8px}
.topic-jumps.topic-cards-v32 strong{display:block;color:var(--navy);font-size:18px;line-height:1.25;margin-bottom:9px}
.topic-jumps.topic-cards-v32 span{display:block;color:var(--muted);font-size:13px;line-height:1.5;margin-bottom:16px}
.topic-jumps.topic-cards-v32 b{display:block;margin-top:auto;color:var(--green-dark);font-size:13px;font-weight:850}
body.main-category-page main>.article.cornerstone{max-width:1040px;padding-left:24px;padding-right:24px}
body.main-category-page main>.hub-all-guides{max-width:992px}
@media(max-width:900px){.topic-jumps.topic-cards-v32{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.topic-jumps.topic-cards-v32{grid-template-columns:1fr}.topic-jumps.topic-cards-v32 a{min-height:0}}

/* V34 final design polish: visual rhythm only, SEO-neutral */
body.main-category-page main>.article.cornerstone{background:#fff;border-radius:22px;padding-top:34px;padding-bottom:54px}
body.main-category-page .article.cornerstone>section{padding-bottom:30px;margin:0 0 34px;border-bottom:1px solid #edf1ef}
body.main-category-page .article.cornerstone>section:last-of-type{border-bottom:0;padding-bottom:0}
body.main-category-page .article.cornerstone h2{font-size:clamp(24px,3vw,31px);letter-spacing:-.6px}
body.main-category-page .article.cornerstone h3{color:var(--navy);font-size:19px;margin:24px 0 8px}
body.main-category-page .article.cornerstone a,.campaign-content a,.guides a{color:var(--green-dark);text-underline-offset:3px}
body.main-category-page .hub-editorial{padding:26px!important;border:1px solid var(--line);border-radius:18px;background:linear-gradient(135deg,#f7fbf9,#fff)}
body.main-category-page .hub-editorial .decision-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin-top:22px}
body.main-category-page .hub-editorial .decision-grid article{padding:20px;border:1px solid var(--line);border-radius:14px;background:#fff}
body.main-category-page .hub-editorial .decision-grid h3{margin:0 0 8px;color:var(--navy);font-size:18px}
body.main-category-page .hub-editorial .decision-grid p{margin:0 0 12px;font-size:14px;color:var(--muted)}
body.main-category-page .hub-editorial .decision-grid a{font-weight:800;text-decoration:none}
body.main-category-page .hub-all-guides{border:1px solid #dbe8e1;box-shadow:0 8px 28px rgba(16,47,64,.04)}
.seo-related{border-top:1px solid var(--line);padding-top:28px!important}
.seo-related a{color:var(--green-dark);text-decoration-thickness:1px;text-underline-offset:3px}
.campaign-page .campaign-hero{box-shadow:0 10px 36px rgba(16,47,64,.05)}
.campaign-page .campaign-content>section{margin:38px 0;padding:26px;border:1px solid var(--line);border-radius:16px;background:#fff}
.campaign-page .comparison-table{overflow-x:auto;border:1px solid var(--line);border-radius:14px;background:#fff}
.campaign-page .comparison-table table{width:100%;border-collapse:collapse;min-width:620px}
.campaign-page .comparison-table th,.campaign-page .comparison-table td{padding:14px 16px;text-align:left;vertical-align:top;border-bottom:1px solid #e8eeeb}
.campaign-page .comparison-table th{background:#f3f8f5;color:var(--navy);font-size:13px}
.campaign-page .comparison-table tr:last-child td{border-bottom:0}
.campaign-page .partner-preview{box-shadow:0 10px 30px rgba(16,47,64,.05)}
.all-guides-v14 .guide-row-v14{padding:20px 18px;border:1px solid transparent;border-bottom-color:var(--line);border-radius:12px;transition:.15s}
.all-guides-v14 .guide-row-v14:hover{background:#f8fbf9;border-color:#e1ebe6;transform:translateX(2px)}
@media(max-width:800px){
body.main-category-page main>.article.cornerstone{padding:26px 20px 44px;border-radius:0}
body.main-category-page .article.cornerstone>section{padding-bottom:24px;margin-bottom:28px}
body.main-category-page .hub-editorial{padding:20px!important}
body.main-category-page .hub-editorial .decision-grid{grid-template-columns:1fr}
.campaign-page .campaign-content>section{padding:20px;margin:28px 0}
.campaign-page .comparison-table{margin-left:-2px;margin-right:-2px}
.all-guides-v14 .guide-row-v14{padding:18px 12px}
}
@media(max-width:520px){
.header{padding-left:16px;padding-right:16px}
.campaign-shell{padding-left:12px;padding-right:12px}
.campaign-page .campaign-hero{padding:19px 16px}
.campaign-page .campaign-content{padding:0 2px}
}