:root{
    --navy:#0B5FAE;
    --navy-dark:#0A4A85;
    --sky:#EBF4FC;
    --paper:#FBFAF7;
    --ink:#1E2430;
    --slate:#5B6472;
    --gold:#4CA934;
    --gold-tint:#EAF6E2;
    --line:#E4E8EE;
    --green:#2F7A4D;
  }
  *{box-sizing:border-box;}
  body{margin:0;background:var(--paper);color:var(--ink);font-family:'Inter',sans-serif;-webkit-font-smoothing:antialiased;}
  h1,h2,h3,h4{font-family:'Fraunces',serif;margin:0;letter-spacing:-0.01em;}
  a{color:inherit;text-decoration:none;}
  .mono{font-family:'IBM Plex Mono',monospace;}
  img.ph,div.ph{display:flex;align-items:center;justify-content:center;width:100%;max-width:100%;object-fit:cover;object-position:center;background:linear-gradient(135deg,#DCE7F4,#EFF5FB);position:relative;overflow:hidden;}
  .ph::after{content:"";position:absolute;inset:0;background-image:radial-gradient(circle at 20% 20%, rgba(255,255,255,.14) 0, transparent 45%);}
  .ph::before{content:attr(data-icon);font-size:40px;position:relative;z-index:1;filter:drop-shadow(0 2px 6px rgba(0,0,0,.15));}
  .side-post .ph::before{font-size:20px;}
  .hero-img.ph::before{font-size:72px;}
  .ph.img-life{background:linear-gradient(135deg,#1B4F8A,#2E6BB0);}
  .ph.img-health{background:linear-gradient(135deg,#2F7A4D,#4C9B6D);}
  .ph.img-car{background:linear-gradient(135deg,#0B5FAE,#3C86D6);}
  .ph.img-home{background:linear-gradient(135deg,#6B4FA0,#8A6FC0);}
  .ph.img-basics{background:linear-gradient(135deg,#1E2430,#3B4657);}
  .ph.img-industry{background:linear-gradient(135deg,#3D8A29,#4CA934);}
  .news-ticker{background:#fff;border-bottom:1px solid var(--line);}
  .news-ticker .container{display:flex;align-items:center;gap:14px;padding:9px 24px;}
  .news-ticker .tag{background:var(--navy);color:#fff;font-size:10.5px;font-weight:700;padding:4px 10px;border-radius:4px;text-transform:uppercase;letter-spacing:.04em;flex-shrink:0;}
  .news-ticker .items{display:flex;gap:26px;font-size:12.5px;color:#33404F;overflow:hidden;white-space:nowrap;}
  .news-ticker .items span{color:var(--slate);margin-right:6px;}

  /* ---- Preview switcher chrome (not part of real site) ---- */
  /* (mockup-only .switcher/.view preview rules removed for production theme) */

  /* ---- Top utility bar ---- */
  .topbar{background:var(--navy-dark);color:#C9D9EC;font-size:12.5px;padding:6px 0;}
  .topbar-in{max-width:1180px;margin:0 auto;padding:0 24px;display:flex;justify-content:space-between;align-items:center;}
  .topbar a{opacity:.9;margin-left:16px;}
  .region-pill{background:#1F5A96;padding:2px 10px;border-radius:12px;font-size:11.5px;}

  /* ---- Main nav ---- */
  .nav{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10;}
  .nav-in{max-width:1180px;margin:0 auto;padding:14px 24px;display:flex;align-items:center;gap:28px;}
  .logo{display:flex;align-items:center;}
  .logo img,.logo .custom-logo{max-height:40px;width:auto;height:auto;display:block;}
  .logo a{display:flex;align-items:center;}
  .footer .brand img,.footer .brand .custom-logo{max-height:26px;width:auto;height:auto;display:block;margin-right:8px;filter:brightness(0) invert(1);}
  .navlinks{display:flex;gap:22px;font-size:14.5px;font-weight:600;color:#33404F;flex:1;}
  .navlinks a:hover{color:var(--navy);}
  .search-pill{display:flex;align-items:center;gap:8px;background:var(--sky);border:1px solid var(--line);border-radius:20px;padding:8px 14px;font-size:13.5px;color:var(--slate);min-width:190px;}

  /* ---- Mega menu ---- */
  .navitem{position:relative;padding-bottom:16px;margin-bottom:-16px;}
  .navitem>a{display:flex;align-items:center;gap:4px;cursor:pointer;}
  .navitem .caret{font-size:9px;opacity:.6;transition:.15s;}
  .navitem:hover .caret{transform:rotate(180deg);}
  .dropdown{display:none;position:absolute;top:100%;left:0;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:0 20px 40px rgba(20,45,80,.14);z-index:50;padding:18px;margin-top:0;}
  .navitem:hover .dropdown{display:block;}
  .dropdown.mega{width:560px;display:none;grid-template-columns:repeat(3,1fr);gap:4px 22px;}
  .navitem:hover .dropdown.mega{display:grid;}
  .dropdown-col h6{font-size:10.5px;text-transform:uppercase;letter-spacing:.05em;color:var(--gold);margin:0 0 8px;font-weight:700;}
  .dropdown-col a{display:block;font-size:13px;font-weight:500;color:#33404F;padding:6px 0;}
  .dropdown-col a:hover{color:var(--navy);}
  .dropdown.simple{width:220px;}
  .dropdown.simple a{display:block;font-size:13px;font-weight:500;color:#33404F;padding:8px 4px;border-radius:6px;}
  .dropdown.simple a:hover{background:var(--sky);color:var(--navy);}

  .container{max-width:1180px;margin:0 auto;padding:0 24px;}

  /* ---- Ad placeholder ---- */
  .ad-slot{background:#F2F4F7;border:1.5px dashed #C7D0DB;border-radius:10px;display:flex;align-items:center;justify-content:center;color:#93A0AF;font-size:11px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;font-family:'IBM Plex Mono';}
  .ad-slot .sub{display:block;font-size:9.5px;font-weight:400;letter-spacing:0;text-transform:none;margin-top:3px;color:#AEB8C4;}
  .ad-leaderboard{height:90px;margin:0 auto;max-width:728px;}
  .ad-incontent{height:100px;margin:26px 0;}
  .ad-sidebar{height:250px;margin-bottom:18px;}

  /* ---- Trust strip ---- */
  .trust-strip{background:var(--navy-dark);color:#fff;}
  .trust-strip .container{display:flex;gap:38px;padding:11px 24px;font-size:12.5px;color:#BFD3E9;flex-wrap:wrap;}
  .trust-strip b{color:#fff;font-weight:700;}

  /* ---- Hero ---- */
  .hero{background:linear-gradient(180deg,var(--sky) 0%, var(--paper) 78%);padding:52px 0 40px;}
  .hero-single{max-width:640px;}
  .eyebrow{display:inline-flex;align-items:center;gap:7px;background:var(--gold-tint);color:#2D6B1E;font-family:'IBM Plex Mono';font-size:11.5px;font-weight:600;padding:5px 12px;border-radius:14px;letter-spacing:.04em;margin-bottom:16px;}
  .hero h1{font-size:44px;line-height:1.08;color:var(--navy-dark);}
  .hero h1 em{font-style:normal;color:var(--gold);}
  .hero p.lede{font-size:16.5px;color:var(--slate);margin-top:16px;max-width:480px;line-height:1.55;}
  .hero-search{margin-top:26px;display:flex;background:#fff;border:1.5px solid var(--line);border-radius:12px;padding:6px;max-width:480px;box-shadow:0 8px 24px rgba(27,79,138,0.08);}
  .hero-search input{border:none;outline:none;flex:1;padding:10px 12px;font-size:14.5px;font-family:'Inter';}
  .hero-search button{background:var(--navy);color:#fff;border:none;padding:10px 20px;border-radius:8px;font-weight:600;font-size:14px;cursor:pointer;}
  .chip-row{display:flex;gap:8px;margin-top:14px;flex-wrap:wrap;}
  .chip{background:#fff;border:1px solid var(--line);padding:6px 12px;border-radius:16px;font-size:12.5px;color:var(--navy-dark);font-weight:600;}
  .hero-visual{background:#fff;border:1px solid var(--line);border-radius:16px;padding:20px;box-shadow:0 14px 34px rgba(20,45,80,.08);}
  .hero-visual .row{display:flex;justify-content:space-between;font-size:12.5px;color:var(--slate);padding:9px 0;border-bottom:1px dashed var(--line);}
  .hero-visual .row:last-child{border:none;}
  .hero-visual b{color:var(--ink);font-family:'IBM Plex Mono';}

  /* ---- Trending ---- */
  .section{padding:44px 0;}
  .section-head{display:flex;justify-content:space-between;align-items:flex-end;margin-bottom:22px;}
  .section-head h2{font-size:26px;color:var(--navy-dark);}
  .section-head .sub{color:var(--slate);font-size:13.5px;margin-top:4px;}
  .see-all{font-size:13px;font-weight:700;color:var(--navy);}
  .trending-list{display:flex;flex-direction:column;border:1px solid var(--line);border-radius:14px;overflow:hidden;background:#fff;}
  .trending-item{display:flex;align-items:center;gap:16px;padding:15px 20px;border-bottom:1px solid var(--line);}
  .trending-item:last-child{border:none;}
  .trending-item .num{font-family:'Fraunces';font-size:22px;color:#C8D6E6;width:30px;}
  .trending-item .txt{flex:1;}
  .trending-item .txt .cat{font-size:11px;color:var(--gold);font-weight:700;text-transform:uppercase;letter-spacing:.05em;}
  .trending-item .txt a{font-weight:600;font-size:15px;}
  .trending-item .meta{font-size:12px;color:var(--slate);}

  /* ---- Category tiles ---- */
  .cat-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:14px;}
  .cat-tile{background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px 16px;text-align:left;transition:.15s;}
  .cat-tile .ic{width:38px;height:38px;border-radius:10px;background:var(--sky);color:var(--navy);display:flex;align-items:center;justify-content:center;font-size:18px;margin-bottom:12px;}
  .cat-tile:nth-child(1) .ic{background:linear-gradient(135deg,#1B4F8A,#2E6BB0);}
  .cat-tile:nth-child(2) .ic{background:linear-gradient(135deg,#2F7A4D,#4C9B6D);}
  .cat-tile:nth-child(3) .ic{background:linear-gradient(135deg,#0B5FAE,#3C86D6);}
  .cat-tile:nth-child(4) .ic{background:linear-gradient(135deg,#6B4FA0,#8A6FC0);}
  .cat-tile:nth-child(5) .ic{background:linear-gradient(135deg,#1E2430,#3B4657);}
  .cat-tile:nth-child(n) .ic{filter:none;}
  .cat-tile .ic{color:#fff;}
  .cat-tile h4{font-size:15.5px;color:var(--navy-dark);}
  .cat-tile p{font-size:12.5px;color:var(--slate);margin:6px 0 10px;line-height:1.4;}
  .cat-tile .count{font-size:11.5px;color:var(--gold);font-weight:700;font-family:'IBM Plex Mono';}

  /* ---- Article cards ---- */
  .grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;}
  .card{background:#fff;border:1px solid var(--line);border-radius:14px;overflow:hidden;}
  .card img.ph{height:150px;}
  .card .body{padding:16px 16px 18px;}
  .card .cat{font-size:10.5px;font-weight:700;color:var(--gold);text-transform:uppercase;letter-spacing:.05em;}
  .card h4{font-size:16px;margin-top:7px;line-height:1.3;color:var(--ink);}
  .card .meta{display:flex;align-items:center;gap:8px;margin-top:12px;font-size:12px;color:var(--slate);}
  .badge{display:inline-flex;align-items:center;gap:4px;background:var(--sky);color:var(--navy);font-size:10.5px;font-weight:700;padding:3px 8px;border-radius:10px;}
  .avatar{width:20px;height:20px;border-radius:50%;background:var(--navy);color:#fff;font-size:10px;display:flex;align-items:center;justify-content:center;font-family:'IBM Plex Mono';}

  /* ---- Editorial trust ---- */
  .trust-section{background:var(--navy-dark);color:#fff;padding:48px 0;}
  .trust-section h2{color:#fff;font-size:24px;}
  .trust-section .sub{color:#AEC4DD;font-size:13.5px;margin-top:6px;max-width:560px;}
  .author-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:26px;}
  .author-card{background:#1E5A96;border-radius:14px;padding:18px;display:flex;gap:12px;align-items:flex-start;}
  .author-card .av{width:44px;height:44px;border-radius:50%;background:var(--gold);color:#fff;font-family:'IBM Plex Mono';font-weight:700;display:flex;align-items:center;justify-content:center;flex-shrink:0;}
  .author-card b{font-size:14px;}
  .author-card .role{font-size:11.5px;color:#BFD3E9;display:block;margin:2px 0 6px;}
  .author-card p{font-size:12px;color:#D5E2F0;line-height:1.5;margin:0;}

  /* ---- Newsletter ---- */
  .cta-strip{background:var(--gold-tint);border-top:1px solid #CFE8C2;border-bottom:1px solid #CFE8C2;padding:30px 0;}
  .cta-in{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:16px;}
  .cta-in h3{font-size:19px;color:#255417;}
  .cta-in p{font-size:13px;color:#3D7A2C;margin-top:4px;}
  .cta-btn{background:var(--navy);color:#fff;padding:11px 22px;border-radius:8px;font-weight:700;font-size:13.5px;white-space:nowrap;}

  /* ---- Footer ---- */
  .footer{background:#0F2A48;color:#B7C8DC;padding:48px 0 20px;}
  .footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:24px;padding-bottom:30px;border-bottom:1px solid #1E4269;}
  .footer h5{color:#fff;font-size:12.5px;text-transform:uppercase;letter-spacing:.06em;margin-bottom:14px;}
  .footer a{display:block;font-size:13px;padding:5px 0;color:#B7C8DC;}
  .footer .brand{display:flex;align-items:center;gap:9px;color:#fff;font-family:'Fraunces';font-weight:700;font-size:18px;margin-bottom:10px;}
  .footer .brand .mark{width:26px;height:26px;border-radius:7px;background:transparent;color:#fff;display:flex;align-items:center;justify-content:center;font-size:13px;font-family:'IBM Plex Mono';}
  .footer p.desc{font-size:12.5px;line-height:1.6;color:#94ABC4;max-width:260px;}
  .footer-bottom{display:flex;justify-content:space-between;padding-top:18px;font-size:11.5px;color:#7891AC;flex-wrap:wrap;gap:8px;}
  .disclaimer-box{background:#123761;border:1px solid #1E4269;border-radius:10px;padding:14px 16px;font-size:11.5px;color:#9FB6D3;line-height:1.6;margin:24px 0;}

  /* ================= CATEGORY PAGE ================= */
  .cat-hero{background:linear-gradient(120deg,var(--navy-dark),var(--navy));color:#fff;padding:40px 0;}
  .cat-hero-in{display:flex;gap:20px;align-items:flex-start;}
  .cat-hero .ic{width:56px;height:56px;border-radius:14px;background:rgba(255,255,255,.12);display:flex;align-items:center;justify-content:center;font-size:26px;flex-shrink:0;}
  .cat-hero h1{color:#fff;font-size:30px;}
  .cat-hero .breadcrumb{font-size:12px;color:#9FB6D3;margin-bottom:10px;}
  .cat-hero p{color:#CFE0F0;font-size:14px;line-height:1.65;max-width:680px;margin-top:12px;}
  .cat-stats{display:flex;gap:22px;margin-top:16px;}
  .cat-stats div{font-size:12px;color:#AEC4DD;}
  .cat-stats b{color:#fff;font-family:'IBM Plex Mono';display:block;font-size:16px;}

  .layout2{display:grid;grid-template-columns:2.1fr 1fr;gap:32px;align-items:flex-start;}
  .filter-bar{display:flex;justify-content:space-between;align-items:center;margin-bottom:18px;padding-bottom:14px;border-bottom:1px solid var(--line);}
  .filter-bar .count{font-size:13px;color:var(--slate);}
  .sort-pill{border:1px solid var(--line);border-radius:8px;padding:7px 12px;font-size:12.5px;color:var(--navy-dark);font-weight:600;background:#fff;}
  .grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;}
  .pagination{display:flex;justify-content:center;gap:6px;margin-top:28px;}
  .pagination span{width:32px;height:32px;border:1px solid var(--line);border-radius:8px;display:flex;align-items:center;justify-content:center;font-size:12.5px;color:var(--slate);}
  .pagination span.active{background:var(--navy);border-color:var(--navy);color:#fff;font-weight:700;}

  /* ---- Sidebar (shared) ---- */
  .side-box{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px;margin-bottom:18px;}

  /* ---- Calculator landing pages ---- */
  .tool-hero{background:linear-gradient(135deg,var(--navy-dark),var(--navy));padding:38px 0 34px;color:#fff;}
  .tool-hero .breadcrumb{color:#9FC4E8;font-size:12px;margin-bottom:12px;}
  .tool-hero h1{color:#fff;font-size:30px;margin-bottom:10px;}
  .tool-hero p.lede{color:#D3E4F4;font-size:14.5px;max-width:600px;line-height:1.6;}
  .badge-row{display:flex;gap:10px;margin-top:18px;flex-wrap:wrap;}
  .badge-row .bpill{display:flex;align-items:center;gap:6px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);padding:6px 12px;border-radius:16px;font-size:11.5px;font-weight:600;}
  .calc-grid{display:flex;gap:20px;align-items:flex-start;margin-top:-18px;}
  .calc-panel,.result-panel{background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px;flex:1;box-shadow:0 10px 30px rgba(20,45,80,.06);}
  .calc-panel h3,.result-panel h3{font-size:15px;color:var(--navy-dark);margin-bottom:14px;}
  .result-panel{background:var(--sky);border-color:#D3E4F4;display:flex;flex-direction:column;justify-content:center;}
  .result-panel .amount{font-family:'IBM Plex Mono';font-size:30px;font-weight:600;color:var(--navy-dark);margin:8px 0;}
  .result-panel .amount.empty{color:#9AAABE;font-size:16px;font-weight:500;font-family:'Inter';}
  .result-panel .rlabel{font-size:11.5px;text-transform:uppercase;letter-spacing:.04em;color:var(--slate);font-weight:700;}
  .result-panel .rnote{font-size:12px;color:var(--slate);margin-top:10px;line-height:1.5;}
  .result-btns{display:flex;gap:8px;margin-top:16px;}
  .result-btns button{flex:1;border:1px solid var(--line);background:#fff;border-radius:8px;padding:9px;font-size:12px;font-weight:700;color:var(--navy-dark);cursor:pointer;}
  .term-grid{display:flex;gap:14px;flex-wrap:wrap;margin-top:16px;}
  .term-card{flex:1 1 150px;background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px;}
  .term-card .ti{width:30px;height:30px;border-radius:8px;background:var(--sky);color:var(--navy);display:flex;align-items:center;justify-content:center;font-size:14px;margin-bottom:8px;}
  .term-card b{font-size:12.5px;color:var(--navy-dark);display:block;margin-bottom:4px;}
  .term-card p{font-size:11.5px;color:var(--slate);line-height:1.5;margin:0;}
  .affects-row{display:flex;gap:14px;flex-wrap:wrap;margin-top:16px;}
  .affects-item{flex:1 1 130px;text-align:center;background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 8px;}
  .affects-item .ai{width:34px;height:34px;border-radius:50%;background:var(--sky);color:var(--navy);display:flex;align-items:center;justify-content:center;font-size:15px;margin:0 auto 8px;}
  .affects-item span{font-size:11.5px;font-weight:700;color:#33404F;}
  .example-grid{display:flex;gap:14px;flex-wrap:wrap;margin-top:16px;}
  .example-card{flex:1 1 200px;background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px;}
  .example-card .ei{width:32px;height:32px;border-radius:50%;background:var(--sky);color:var(--navy);display:flex;align-items:center;justify-content:center;font-size:14px;margin-bottom:10px;}
  .example-card b{font-size:12.5px;color:var(--navy-dark);display:block;margin-bottom:4px;}
  .example-card .amt{font-family:'IBM Plex Mono';font-size:14px;color:var(--green,#4CA934);font-weight:600;margin-top:6px;display:block;}
  .related-mini{display:flex;gap:12px;flex-wrap:wrap;margin-top:16px;}
  .related-mini a{flex:1 1 160px;background:#fff;border:1px solid var(--line);border-radius:10px;padding:12px 14px;font-size:12.5px;font-weight:600;color:var(--navy-dark);display:flex;align-items:center;gap:8px;}
  .faq-item{border-bottom:1px solid var(--line);padding:14px 0;}
  .faq-item b{font-size:13.5px;color:var(--navy-dark);display:block;margin-bottom:6px;}
  .faq-item p{font-size:12.5px;color:#33404F;line-height:1.6;margin:0;}
  .side-tip-list{list-style:none;margin:0;padding:0;}
  .side-tip-list li{font-size:12px;color:#33404F;padding:6px 0;display:flex;gap:8px;line-height:1.5;}
  .side-tip-list li::before{content:"✓";color:var(--green,#4CA934);font-weight:700;flex-shrink:0;}
  .compare-mini{display:flex;gap:10px;margin-top:10px;}
  .compare-mini .cm{flex:1;background:var(--sky);border-radius:10px;padding:10px;text-align:center;}
  .compare-mini .cm b{font-size:11px;color:var(--navy-dark);display:block;}
  .compare-mini .cm span{font-size:14px;font-weight:700;color:var(--navy-dark);font-family:'IBM Plex Mono';}
  .flag-select{display:flex;gap:6px;margin-top:10px;flex-wrap:wrap;}
  .flag-select span{background:var(--sky);border-radius:8px;padding:6px 8px;font-size:14px;cursor:pointer;}
  .trust-mini{display:flex;flex-direction:column;gap:6px;font-size:11px;color:var(--slate);margin-top:8px;}
  .side-box h5{font-size:12.5px;text-transform:uppercase;letter-spacing:.05em;color:var(--navy-dark);margin-bottom:14px;}
  .side-search{display:flex;border:1px solid var(--line);border-radius:9px;overflow:hidden;}
  .side-search input{border:none;outline:none;padding:10px 12px;font-size:13px;flex:1;}
  .side-search button{background:var(--navy);color:#fff;border:none;width:40px;font-size:14px;cursor:pointer;}
  .side-cat{display:flex;justify-content:space-between;padding:8px 0;font-size:13px;border-bottom:1px solid #F0F3F7;color:#33404F;font-weight:600;}
  .side-cat span{color:var(--slate);font-weight:400;font-size:12px;}
  .side-post{display:flex;gap:10px;padding:9px 0;border-bottom:1px solid #F0F3F7;}
  .side-post img.ph{width:56px;height:56px;border-radius:8px;flex-shrink:0;}
  .side-post .t{font-size:12.5px;font-weight:600;line-height:1.35;}
  .side-post .d{font-size:10.5px;color:var(--slate);margin-top:3px;}
  .tool-btn{display:flex;align-items:center;gap:10px;background:var(--sky);border-radius:10px;padding:11px 12px;margin-bottom:8px;font-size:12.5px;font-weight:600;color:var(--navy-dark);width:100%;border:none;cursor:pointer;font-family:'Inter';text-align:left;transition:.12s;}
  .tool-btn:hover{background:#DCE9F7;}
  .tool-btn .ic2{width:26px;height:26px;border-radius:7px;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-size:12px;flex-shrink:0;}

  /* ---- Tool modal ---- */
  .modal-overlay{display:none;position:fixed;inset:0;background:rgba(15,25,40,.55);z-index:1000;align-items:flex-start;justify-content:center;padding:40px 20px;overflow-y:auto;}
  .modal-overlay.open{display:flex;}
  .modal-box{background:#fff;border-radius:16px;max-width:480px;width:100%;padding:26px;position:relative;box-shadow:0 24px 60px rgba(0,0,0,.25);}
  .modal-close{position:absolute;top:16px;right:16px;width:28px;height:28px;border-radius:50%;background:var(--sky);border:none;color:var(--navy-dark);font-size:15px;cursor:pointer;display:flex;align-items:center;justify-content:center;}
  .modal-box h3{font-size:19px;color:var(--navy-dark);margin-bottom:4px;}
  .modal-box .modal-sub{font-size:12.5px;color:var(--slate);margin-bottom:18px;}
  .field{margin-bottom:13px;}
  .field label{display:block;font-size:12px;font-weight:700;color:#33404F;margin-bottom:5px;}
  .field input,.field select{width:100%;border:1px solid var(--line);border-radius:8px;padding:9px 10px;font-size:13.5px;font-family:'Inter';color:var(--ink);background:#fff;}
  .field-row{display:flex;gap:10px;}
  .field-row .field{flex:1;}
  .modal-btn{width:100%;background:var(--navy);color:#fff;border:none;padding:11px;border-radius:9px;font-weight:700;font-size:13.5px;cursor:pointer;margin-top:6px;}
  .modal-btn:hover{background:var(--navy-dark);}
  .result-box{margin-top:16px;background:var(--sky);border-radius:10px;padding:14px 16px;font-size:13px;color:#1E3A5F;line-height:1.6;display:none;}
  .result-box.show{display:block;}
  .result-box .big{font-family:'IBM Plex Mono';font-size:22px;font-weight:600;color:var(--navy-dark);display:block;margin:4px 0 6px;}
  .modal-disclaimer{font-size:10.5px;color:var(--slate);margin-top:12px;line-height:1.5;border-top:1px solid var(--line);padding-top:10px;}
  .toggle-row{display:flex;gap:8px;margin-bottom:16px;}
  .toggle-row button{flex:1;padding:9px;border-radius:8px;border:1px solid var(--line);background:#fff;font-size:12.5px;font-weight:700;cursor:pointer;color:var(--slate);}
  .toggle-row button.on{background:var(--navy);color:#fff;border-color:var(--navy);}
  .compare-table{width:100%;border-collapse:collapse;font-size:12.5px;}
  .compare-table th{background:var(--sky);color:var(--navy-dark);text-align:left;padding:8px 10px;font-size:11px;}
  .compare-table td{padding:8px 10px;border-bottom:1px solid var(--line);color:#33404F;}
  .tool-info{background:var(--sky);border-radius:10px;padding:12px 14px;margin-bottom:16px;font-size:12px;line-height:1.6;color:#33404F;}
  .tool-info div{padding:2px 0;}
  .tool-info b{color:var(--navy-dark);}

  /* ================= ARTICLE PAGE ================= */
  .art-head{padding:36px 0 24px;border-bottom:1px solid var(--line);}
  .art-head .breadcrumb{font-size:12px;color:var(--slate);margin-bottom:14px;}
  .art-head h1{font-size:32px;line-height:1.2;color:var(--navy-dark);max-width:760px;}
  .byline{display:flex;align-items:center;gap:12px;margin-top:20px;}
  .byline .av{width:42px;height:42px;border-radius:50%;background:var(--navy);color:#fff;font-family:'IBM Plex Mono';font-weight:700;display:flex;align-items:center;justify-content:center;}
  .byline .name{font-size:13.5px;font-weight:700;display:flex;align-items:center;gap:6px;}
  .byline .role{font-size:12px;color:var(--slate);}
  .byline .verified{color:var(--green);font-size:11px;background:#E7F5EC;padding:2px 8px;border-radius:10px;font-weight:700;}
  .byline .stats{margin-left:auto;display:flex;gap:16px;font-size:12px;color:var(--slate);}

  .art-body{padding-top:30px;}
  .art-body img.ph.hero-img{height:340px;border-radius:14px;margin-bottom:26px;}
  .prose h2{font-size:22px;color:var(--navy-dark);margin:30px 0 12px;}
  .prose p{font-size:15px;line-height:1.75;color:#2B3644;margin:0 0 16px;}
  .quick-answer{background:var(--sky);border-left:4px solid var(--navy);border-radius:10px;padding:16px 18px;font-size:14px;color:#1E3A5F;margin-bottom:24px;}
  .quick-answer b{display:block;font-size:11.5px;text-transform:uppercase;letter-spacing:.05em;color:var(--navy);margin-bottom:6px;}
  table.datatable{width:100%;border-collapse:collapse;margin:18px 0 26px;font-size:13.5px;}
  table.datatable th{background:var(--navy);color:#fff;text-align:left;padding:10px 12px;font-size:12px;}
  table.datatable td{padding:10px 12px;border-bottom:1px solid var(--line);}
  table.datatable tr:nth-child(even) td{background:var(--sky);}
  .chart-box{background:#fff;border:1px solid var(--line);border-radius:12px;padding:20px;margin:20px 0 28px;}
  .chart-box .bars{display:flex;align-items:flex-end;gap:14px;height:110px;margin-top:14px;}
  .chart-box .bar{flex:1;background:linear-gradient(180deg,var(--navy),var(--navy-dark));border-radius:6px 6px 0 0;position:relative;}
  .chart-box .bar span{position:absolute;top:-20px;left:0;right:0;text-align:center;font-size:11px;font-family:'IBM Plex Mono';color:var(--navy-dark);}
  .chart-box .labels{display:flex;gap:14px;margin-top:8px;}
  .chart-box .labels div{flex:1;text-align:center;font-size:11px;color:var(--slate);}
  .pros-cons{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:20px 0 28px;}
  .pc-box{border-radius:12px;padding:16px 18px;}
  .pc-box.pro{background:#EAF6EE;border:1px solid #CDE9D6;}
  .pc-box.con{background:#FCEEEE;border:1px solid #F3D2D2;}
  .pc-box b{font-size:12.5px;text-transform:uppercase;letter-spacing:.04em;}
  .pc-box ul{margin:10px 0 0;padding-left:18px;font-size:13.5px;line-height:1.7;color:#33404F;}

  .author-box{background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px;display:flex;gap:16px;margin:34px 0;}
  .author-box .av{width:56px;height:56px;border-radius:50%;background:var(--navy);color:#fff;font-family:'IBM Plex Mono';font-weight:700;font-size:18px;display:flex;align-items:center;justify-content:center;flex-shrink:0;}
  .author-box h5{font-size:15px;}
  .author-box .role{font-size:12px;color:var(--gold);font-weight:700;margin:2px 0 8px;}
  .author-box p{font-size:12.5px;color:var(--slate);line-height:1.6;margin:0;}

  .next-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:12px 0 36px;}

  .comments{margin-top:10px;}
  .comment{display:flex;gap:12px;padding:16px 0;border-bottom:1px solid var(--line);}
  .comment .av{width:34px;height:34px;border-radius:50%;background:var(--sky);color:var(--navy);font-weight:700;font-size:12px;display:flex;align-items:center;justify-content:center;flex-shrink:0;font-family:'IBM Plex Mono';}
  .comment .name{font-size:13px;font-weight:700;}
  .comment .date{font-size:11px;color:var(--slate);font-weight:400;margin-left:8px;}
  .comment p{font-size:13px;color:#33404F;line-height:1.6;margin:6px 0 0;}
  .comment-form textarea{width:100%;border:1px solid var(--line);border-radius:10px;padding:12px;font-family:'Inter';font-size:13.5px;resize:none;height:70px;}
  .comment-form button{margin-top:10px;background:var(--navy);color:#fff;border:none;padding:10px 20px;border-radius:8px;font-weight:700;font-size:13px;cursor:pointer;}

  @media(max-width:900px){
    .hero-in,.layout2,.cat-grid,.grid3,.grid2,.author-grid,.next-grid,.footer-grid,.pros-cons{grid-template-columns:1fr !important;}
  }