@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700;800;900&display=swap');
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',system-ui,-apple-system,sans-serif;color:#1a1a1a;background:#f0f4f8;line-height:1.75;font-size:16px}
a{color:#1d4ed8;text-decoration:none}a:hover{text-decoration:underline}
img{max-width:100%}

/* ===================== HEADER ===================== */
.site-header{background:linear-gradient(90deg,#0f2460 0%,#1a3a7a 100%);padding:0 28px;display:flex;align-items:center;justify-content:space-between;position:sticky;top:0;z-index:200;min-height:62px;box-shadow:0 2px 12px rgba(0,0,0,0.25)}
.logo{font-size:22px;font-weight:800;color:#fff;letter-spacing:-0.5px;text-decoration:none;padding:10px 0;display:flex;align-items:center;gap:8px}
.logo span{color:#fbbf24}
.logo-icon{background:#fbbf24;color:#0f2460;font-size:13px;font-weight:900;padding:3px 7px;border-radius:6px;letter-spacing:0}
.nav{display:flex;gap:0;flex-wrap:wrap;align-items:center}
.nav a{font-size:13px;color:#bfdbfe;font-weight:500;padding:20px 13px;display:block;border-bottom:3px solid transparent;transition:all 0.15s;white-space:nowrap}
.nav a:hover{color:#fff;border-bottom-color:#fbbf24;text-decoration:none}
.nav a.active{color:#fff;border-bottom-color:#fbbf24}
/* Mobile hamburger */
.nav-toggle{display:none;background:none;border:none;cursor:pointer;padding:8px;flex-direction:column;gap:5px}
.nav-toggle span{display:block;width:24px;height:2px;background:#fff;border-radius:2px;transition:all 0.25s}
@media(max-width:860px){
  .nav-toggle{display:flex}
  .nav{display:none;position:absolute;top:62px;left:0;right:0;background:#0f2460;flex-direction:column;padding:8px 0;box-shadow:0 6px 24px rgba(0,0,0,0.3)}
  .nav.open{display:flex}
  .nav a{padding:12px 24px;border-bottom:1px solid rgba(255,255,255,0.08);border-left:3px solid transparent}
  .nav a:hover{border-left-color:#fbbf24;border-bottom-color:rgba(255,255,255,0.08)}
}

/* ===================== HERO ===================== */
.hero{background:linear-gradient(135deg,#0f2460 0%,#1e3fa5 55%,#1a5fb0 100%);color:#fff;padding:64px 24px 72px;text-align:center;position:relative;overflow:visible}
.hero::before{content:'';position:absolute;top:-80px;right:-80px;width:400px;height:400px;border-radius:50%;background:rgba(255,255,255,0.04);pointer-events:none;z-index:0}
.hero::after{content:'';position:absolute;bottom:-60px;left:-60px;width:300px;height:300px;border-radius:50%;background:rgba(251,191,36,0.07);pointer-events:none;z-index:0}
.hero-eyebrow{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,0.12);border:1px solid rgba(255,255,255,0.2);border-radius:100px;padding:6px 16px;font-size:12px;font-weight:600;color:#bfdbfe;margin-bottom:20px;letter-spacing:0.04em;text-transform:uppercase}
.hero h1{color:#fff;font-size:40px;font-weight:900;margin-bottom:16px;line-height:1.18;max-width:700px;margin-left:auto;margin-right:auto}
.hero h1 em{color:#fbbf24;font-style:normal}
.hero p{color:#93c5fd;font-size:18px;margin-bottom:32px;max-width:580px;margin-left:auto;margin-right:auto;line-height:1.7}
.hero-trust{display:flex;justify-content:center;align-items:center;gap:24px;flex-wrap:wrap;margin-top:32px;font-size:13px;color:#bfdbfe}
.hero-trust span{display:flex;align-items:center;gap:6px}
.hero-trust strong{color:#fbbf24}
.search-wrap-placeholder{}

/* ===================== CONTAINERS ===================== */
.container{max-width:1160px;margin:0 auto;padding:0 20px}
.page-wrap{max-width:1160px;margin:32px auto;padding:0 20px;display:grid;grid-template-columns:1fr 310px;gap:28px;align-items:start}
@media(max-width:900px){.page-wrap{grid-template-columns:1fr}.sidebar{display:none}}

/* ===================== CONTENT CARD ===================== */
.content-card{background:#fff;border-radius:16px;padding:36px;border:1px solid #e5e7eb;margin-bottom:24px;box-shadow:0 1px 4px rgba(0,0,0,0.06)}
@media(max-width:640px){.content-card{padding:22px;border-radius:12px}}

/* ===================== BREADCRUMB ===================== */
.breadcrumb{font-size:13px;color:#6b7280;padding:14px 0 0;margin-bottom:18px}
.breadcrumb a{color:#6b7280}.breadcrumb a:hover{color:#1d4ed8}

/* ===================== BADGE ===================== */
.cat-badge{display:inline-block;background:#dbeafe;color:#1e40af;font-size:12px;padding:5px 14px;border-radius:20px;margin-bottom:16px;font-weight:700;letter-spacing:0.03em}

/* ===================== HEADINGS ===================== */
h1{font-size:30px;font-weight:800;color:#0f172a;line-height:1.25;margin-bottom:16px}
h2{font-size:22px;font-weight:700;color:#0f172a;margin:40px 0 12px;padding-top:36px;border-top:2px solid #f1f5f9}
h3{font-size:17px;font-weight:700;color:#1d4ed8;margin:24px 0 10px}
h4{font-size:15px;font-weight:700;color:#374151;margin:16px 0 8px}
p{margin-bottom:16px;color:#374151;line-height:1.8}
ul,ol{margin:0 0 18px 22px;color:#374151}
li{margin-bottom:8px;line-height:1.7}
strong{font-weight:700;color:#0f172a}

/* ===================== INTRO BOX ===================== */
.page-intro{font-size:16px;color:#1e3a5f;margin:0 0 24px;line-height:1.85;padding:20px 24px;background:linear-gradient(135deg,#eff6ff,#e0f2fe);border-left:4px solid #1d4ed8;border-radius:0 12px 12px 0}

/* ===================== CALLOUT BOXES ===================== */
.box-info{background:#eff6ff;border-left:4px solid #3b82f6;border-radius:0 10px 10px 0;padding:18px 22px;margin:22px 0;font-size:15px;color:#1e40af}
.box-warn{background:#fffbeb;border-left:4px solid #f59e0b;border-radius:0 10px 10px 0;padding:18px 22px;margin:22px 0;font-size:15px;color:#92400e}
.box-tip{background:#f0fdf4;border-left:4px solid #22c55e;border-radius:0 10px 10px 0;padding:18px 22px;margin:22px 0;font-size:15px;color:#14532d}
.box-danger{background:#fff1f2;border-left:4px solid #ef4444;border-radius:0 10px 10px 0;padding:18px 22px;margin:22px 0;font-size:15px;color:#7f1d1d}
.box-info a,.box-warn a,.box-tip a,.box-danger a{font-weight:700}

/* ===================== CALCULATOR BOX ===================== */
.calc-box{background:linear-gradient(135deg,#f8fafc,#f0f6ff);border:2px solid #e2e8f0;border-radius:16px;padding:30px;margin:24px 0;position:relative}
.calc-box::before{content:'';position:absolute;top:0;left:0;right:0;height:4px;background:linear-gradient(90deg,#1d4ed8,#0ea5e9,#7c3aed);border-radius:16px 16px 0 0}
.calc-box .calc-title{font-size:20px;font-weight:800;color:#0f172a;margin-bottom:6px}
.calc-box .calc-sub{font-size:13px;color:#6b7280;margin-bottom:22px;line-height:1.5}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:16px}
@media(max-width:560px){.form-grid{grid-template-columns:1fr}}
.form-grid.one{grid-template-columns:1fr}
.form-grid.three{grid-template-columns:1fr 1fr 1fr}
@media(max-width:700px){.form-grid.three{grid-template-columns:1fr 1fr}}
@media(max-width:480px){.form-grid.three{grid-template-columns:1fr}}
.fg{display:flex;flex-direction:column;gap:6px}
.fg label{font-size:13px;font-weight:600;color:#374151;display:flex;align-items:center;gap:5px}
.fg .hint{font-size:11px;color:#9ca3af;font-weight:400}
.fg select,.fg input[type=number],.fg input[type=text]{width:100%;padding:12px 15px;border:2px solid #e2e8f0;border-radius:10px;font-size:15px;background:#fff;color:#1a1a1a;transition:all 0.15s;font-family:inherit}
.fg select:focus,.fg input:focus{outline:none;border-color:#1d4ed8;box-shadow:0 0 0 3px rgba(29,78,216,0.1)}
.calc-btn{width:100%;padding:16px;background:linear-gradient(135deg,#1d4ed8,#1a5fb0);color:#fff;border:none;border-radius:10px;font-size:17px;font-weight:700;cursor:pointer;margin-top:12px;transition:all 0.2s;font-family:inherit;letter-spacing:0.02em;box-shadow:0 4px 14px rgba(29,78,216,0.3)}
.calc-btn:hover{background:linear-gradient(135deg,#1e40af,#0c4a85);transform:translateY(-1px);box-shadow:0 6px 20px rgba(29,78,216,0.4)}
.calc-btn:active{transform:translateY(0)}
/* Calculator tabs (basic/advanced) */
.calc-tabs{display:flex;gap:0;margin-bottom:22px;background:#e2e8f0;border-radius:10px;padding:3px}
.calc-tab{flex:1;padding:9px 14px;text-align:center;font-size:13px;font-weight:600;color:#6b7280;cursor:pointer;border-radius:8px;transition:all 0.15s;user-select:none;border:none;background:none;font-family:inherit}
.calc-tab.active{background:#fff;color:#1d4ed8;box-shadow:0 2px 6px rgba(0,0,0,0.1)}
.calc-tab-content{display:none}
.calc-tab-content.active{display:block}
/* Section divider inside calculator */
.calc-section{border-top:1px solid #e2e8f0;margin-top:18px;padding-top:18px}
.calc-section-title{font-size:13px;font-weight:700;color:#6b7280;text-transform:uppercase;letter-spacing:0.06em;margin-bottom:14px}
/* Result box */
.result-box{background:#fff;border:2px solid #bbf7d0;border-left:5px solid #16a34a;border-radius:14px;padding:24px;margin-top:22px;display:none;animation:slideIn 0.3s ease}
@keyframes slideIn{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:translateY(0)}}
.result-amount{font-size:36px;font-weight:900;color:#1d4ed8;margin-bottom:18px;line-height:1}
.result-label{font-size:11px;color:#6b7280;margin-bottom:5px;text-transform:uppercase;letter-spacing:0.08em;font-weight:700}
.result-row{display:flex;justify-content:space-between;align-items:center;font-size:14px;padding:10px 0;border-bottom:1px solid #f1f5f9}
.result-row:last-of-type{border:none;font-weight:700;font-size:15px;color:#0f172a}
.result-row .rr-label{color:#6b7280}
.calc-note{font-size:12px;color:#6b7280;margin-top:16px;padding-top:14px;border-top:1px solid #f1f5f9;line-height:1.65}
/* Result action buttons */
.result-actions{display:flex;gap:10px;margin-top:16px;flex-wrap:wrap}
.btn-print,.btn-copy{padding:9px 18px;border-radius:8px;font-size:13px;font-weight:600;cursor:pointer;border:none;font-family:inherit;transition:all 0.15s}
.btn-print{background:#f1f5f9;color:#374151}.btn-print:hover{background:#e2e8f0}
.btn-copy{background:#dbeafe;color:#1e40af}.btn-copy:hover{background:#bfdbfe}
/* Visual breakdown bar */
.breakdown-bar{height:12px;border-radius:100px;background:#e2e8f0;margin:10px 0 4px;overflow:hidden;display:flex}
.breakdown-bar .seg{height:100%;transition:width 0.5s ease}
.seg-principal{background:#1d4ed8}
.seg-interest{background:#f59e0b}
.seg-tax{background:#ef4444}
.seg-other{background:#8b5cf6}
.bar-legend{display:flex;gap:14px;flex-wrap:wrap;font-size:12px;color:#6b7280;margin-bottom:8px}
.bar-legend span{display:flex;align-items:center;gap:5px}
.bar-legend i{width:10px;height:10px;border-radius:3px;flex-shrink:0}

/* ===================== AMORTIZATION TABLE ===================== */
.amort-wrap{margin-top:24px;display:none}
.amort-toggle{background:#f8fafc;border:2px solid #e2e8f0;border-radius:10px;padding:14px 20px;cursor:pointer;font-size:14px;font-weight:700;color:#374151;width:100%;text-align:left;display:flex;justify-content:space-between;align-items:center;transition:all 0.15s;font-family:inherit}
.amort-toggle:hover{background:#eff6ff;border-color:#1d4ed8}
.amort-toggle .tog-icon{font-size:20px;color:#9ca3af;transition:transform 0.2s}
.amort-toggle.open .tog-icon{transform:rotate(45deg)}
.amort-table-wrap{overflow-x:auto;margin-top:14px;border-radius:12px;border:1px solid #e5e7eb}
.amort-table{width:100%;border-collapse:collapse;font-size:13px;min-width:520px}
.amort-table thead th{background:#0f2460;color:#fff;padding:11px 14px;text-align:right;font-weight:700;font-size:12px;letter-spacing:0.04em}
.amort-table thead th:first-child{text-align:left}
.amort-table tbody td{padding:9px 14px;text-align:right;border-bottom:1px solid #f1f5f9;color:#374151}
.amort-table tbody td:first-child{text-align:left;font-weight:600;color:#0f172a}
.amort-table tbody tr:hover td{background:#eff6ff}
.amort-table tbody tr:last-child td{font-weight:700;background:#f8fafc;border-top:2px solid #e2e8f0}
.amort-summary{display:grid;grid-template-columns:repeat(auto-fill,minmax(140px,1fr));gap:12px;margin-top:18px}
.amort-stat{background:#f8fafc;border:1px solid #e2e8f0;border-radius:10px;padding:14px;text-align:center}
.amort-stat .as-num{font-size:20px;font-weight:800;color:#1d4ed8}
.amort-stat .as-lbl{font-size:11px;color:#6b7280;margin-top:3px}
/* Yearly summary toggle */
.amort-years-only{margin-bottom:8px;display:flex;align-items:center;gap:8px;font-size:13px;color:#6b7280;cursor:pointer}
.amort-years-only input{cursor:pointer;width:16px;height:16px}

/* ===================== FAQ ===================== */
.faq-list{margin:0}
.faq-item{border:2px solid #e5e7eb;border-radius:12px;margin-bottom:10px;overflow:hidden;background:#fff;transition:border-color 0.15s}
.faq-item:hover{border-color:#cbd5e1}
.faq-q{padding:18px 22px;font-weight:700;font-size:15px;cursor:pointer;display:flex;justify-content:space-between;align-items:center;color:#0f172a;background:#fff;user-select:none}
.faq-q:hover{background:#f8fafc}
.faq-a{padding:18px 22px;font-size:15px;color:#374151;border-top:2px solid #e5e7eb;display:none;line-height:1.8}
.faq-a.open{display:block;animation:fadeIn 0.2s ease}
@keyframes fadeIn{from{opacity:0}to{opacity:1}}
.faq-icon{font-size:22px;color:#9ca3af;flex-shrink:0;margin-left:10px;transition:transform 0.2s}

/* ===================== ADSENSE SLOTS ===================== */
.ad-slot{background:#fff;border:2px dashed #e2e8f0;border-radius:12px;padding:20px;text-align:center;margin:26px 0;color:#9ca3af;min-height:110px;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:6px}
.ad-slot .ad-label{font-size:10px;text-transform:uppercase;letter-spacing:0.12em;color:#d1d5db;font-weight:700}
.ad-slot .ad-size{font-size:13px;color:#cbd5e1}

/* ===================== RELATED CARDS ===================== */
.related-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(170px,1fr));gap:12px;margin-top:16px}
.related-card{background:#fff;border:2px solid #e5e7eb;border-radius:12px;padding:16px;display:block;transition:all 0.18s}
.related-card:hover{border-color:#1d4ed8;background:#eff6ff;text-decoration:none;transform:translateY(-2px);box-shadow:0 4px 16px rgba(29,78,216,0.1)}
.rc-cat{font-size:11px;color:#1d4ed8;font-weight:700;margin-bottom:5px;text-transform:uppercase;letter-spacing:0.04em}
.related-card h4{font-size:13px;font-weight:700;color:#0f172a;margin:0 0 4px}
.related-card p{font-size:12px;color:#6b7280;margin:0;line-height:1.4}

/* ===================== SIDEBAR ===================== */
.sidebar{position:sticky;top:78px}
.sidebar-widget{background:#fff;border:2px solid #e5e7eb;border-radius:14px;padding:20px;margin-bottom:18px;box-shadow:0 1px 4px rgba(0,0,0,0.04)}
.sidebar-widget h3{font-size:14px;font-weight:700;color:#0f172a;margin-bottom:14px;padding:0;border:none;display:flex;align-items:center;gap:8px}
.sidebar-links a{display:flex;align-items:center;gap:8px;padding:9px 0;border-bottom:1px solid #f1f5f9;font-size:13px;color:#374151;transition:color 0.15s}
.sidebar-links a::before{content:"→";color:#1d4ed8;font-weight:700;font-size:12px;flex-shrink:0}
.sidebar-links a:last-child{border:none}
.sidebar-links a:hover{color:#1d4ed8;text-decoration:none}

/* ===================== CATEGORY GRID ===================== */
.cat-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(155px,1fr));gap:12px;margin:24px 0}
.cat-card{background:#fff;border:2px solid #e5e7eb;border-radius:14px;padding:20px 14px;text-align:center;transition:all 0.18s;display:block;text-decoration:none;position:relative;overflow:hidden}
.cat-card::after{content:'';position:absolute;bottom:0;left:0;right:0;height:3px;background:linear-gradient(90deg,#1d4ed8,#0ea5e9);transform:scaleX(0);transition:transform 0.2s;transform-origin:left}
.cat-card:hover{border-color:#1d4ed8;box-shadow:0 6px 22px rgba(29,78,216,0.12);transform:translateY(-3px);text-decoration:none}
.cat-card:hover::after{transform:scaleX(1)}
.cat-icon{font-size:32px;margin-bottom:12px;display:block}
.cat-card h3{font-size:13px;font-weight:700;color:#0f172a;margin:0 0 5px;padding:0;border:none}
.cat-card p{font-size:11px;color:#6b7280;margin:0;line-height:1.4}
.cat-new{position:absolute;top:8px;right:8px;background:#ef4444;color:#fff;font-size:9px;font-weight:800;padding:2px 6px;border-radius:100px;letter-spacing:0.05em;text-transform:uppercase}

/* ===================== TOOL CARDS ===================== */
.tools-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:18px;margin:20px 0}
.tool-card{background:#fff;border:2px solid #e5e7eb;border-radius:14px;padding:22px;transition:all 0.18s;display:flex;flex-direction:column}
.tool-card:hover{border-color:#1d4ed8;box-shadow:0 6px 22px rgba(29,78,216,0.1);transform:translateY(-2px)}
.tool-badge{font-size:11px;padding:4px 13px;border-radius:20px;margin-bottom:14px;display:inline-block;font-weight:700;letter-spacing:0.02em}
.b-blue{background:#dbeafe;color:#1e40af}.b-green{background:#dcfce7;color:#14532d}
.b-amber{background:#fef3c7;color:#92400e}.b-red{background:#fee2e2;color:#7f1d1d}
.b-purple{background:#ede9fe;color:#4c1d95}.b-teal{background:#ccfbf1;color:#134e4a}
.b-pink{background:#fce7f3;color:#831843}.b-orange{background:#ffedd5;color:#7c2d12}
.b-indigo{background:#e0e7ff;color:#3730a3}.b-cyan{background:#cffafe;color:#155e75}
.b-slate{background:#f1f5f9;color:#334155}.b-lime{background:#ecfccb;color:#365314}
.tool-card h3{font-size:16px;font-weight:700;color:#0f172a;margin:0 0 8px;padding:0;border:none}
.tool-card p{font-size:13px;color:#6b7280;margin:0 0 16px;line-height:1.6;flex:1}
.tool-link{display:inline-flex;align-items:center;gap:6px;font-size:13px;color:#fff;font-weight:700;padding:9px 18px;background:linear-gradient(135deg,#1d4ed8,#1a5fb0);border-radius:8px;transition:all 0.18s;align-self:flex-start}
.tool-link:hover{background:linear-gradient(135deg,#1e40af,#0c4a85);text-decoration:none;transform:translateY(-1px)}
.tool-link::after{content:'→';font-size:14px}

/* ===================== TRUST SECTION ===================== */
.trust-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(210px,1fr));gap:18px;margin:20px 0}
.trust-card{text-align:center;padding:28px 20px;background:#fff;border-radius:14px;border:2px solid #e5e7eb;transition:all 0.18s}
.trust-card:hover{border-color:#1d4ed8;box-shadow:0 4px 16px rgba(29,78,216,0.08)}
.trust-icon{font-size:36px;margin-bottom:14px;display:block}
.trust-card h3{font-size:15px;font-weight:700;color:#0f172a;margin:0 0 8px;padding:0;border:none}
.trust-card p{font-size:13px;color:#6b7280;margin:0;line-height:1.55}

/* ===================== SECTION HEADINGS ===================== */
.section-hd{font-size:26px;font-weight:900;color:#0f172a;margin:48px 0 6px;padding:0;border:none;letter-spacing:-0.02em}
.section-hd span{color:#1d4ed8}
.section-sub{font-size:15px;color:#6b7280;margin-bottom:24px;line-height:1.6}
.section-lede{background:linear-gradient(135deg,#eff6ff,#f0fdf4);border-radius:14px;padding:22px 26px;margin:0 0 28px;font-size:15px;color:#1e3a5f;line-height:1.75;border:1px solid #dbeafe}

/* ===================== GUIDE CARDS ===================== */
.guide-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:16px;margin:16px 0}
.guide-card{background:#fff;border:2px solid #e5e7eb;border-radius:12px;padding:20px;transition:all 0.18s;display:block;text-decoration:none}
.guide-card:hover{border-color:#1d4ed8;box-shadow:0 4px 16px rgba(29,78,216,0.08);text-decoration:none;transform:translateY(-1px)}
.guide-tag{font-size:11px;color:#1d4ed8;font-weight:700;margin-bottom:8px;text-transform:uppercase;letter-spacing:0.05em;display:flex;align-items:center;gap:4px}
.guide-card h3{font-size:14px;font-weight:700;color:#0f172a;margin:0 0 6px;padding:0;border:none;line-height:1.4}
.guide-card p{font-size:12px;color:#6b7280;margin:0;line-height:1.5}

/* ===================== STATS ROW ===================== */
.stats-row{display:grid;grid-template-columns:repeat(auto-fill,minmax(170px,1fr));gap:16px;margin:20px 0}
.stat-card{background:linear-gradient(135deg,#0f2460,#1a3a7a);color:#fff;border-radius:14px;padding:22px;text-align:center;box-shadow:0 4px 16px rgba(15,36,96,0.2)}
.stat-num{font-size:34px;font-weight:900;color:#fbbf24;margin-bottom:5px;line-height:1}
.stat-lbl{font-size:13px;color:#bfdbfe;font-weight:500}

/* ===================== TABLE ===================== */
.data-table{width:100%;border-collapse:collapse;margin:18px 0;font-size:14px;border-radius:12px;overflow:hidden;box-shadow:0 1px 3px rgba(0,0,0,0.06)}
.data-table th{background:#0f2460;color:#fff;padding:12px 16px;text-align:left;font-weight:700;font-size:13px;letter-spacing:0.03em}
.data-table td{padding:11px 16px;border-bottom:1px solid #f1f5f9;color:#374151}
.data-table tr:hover td{background:#f8fafc}
.data-table tr:last-child td{border:none}
.data-table tr:nth-child(even) td{background:#f8fafc}
.data-table tr:nth-child(even):hover td{background:#eff6ff}

/* ===================== FOOTER ===================== */
.site-footer{background:#0a1628;color:#94a3b8;padding:56px 24px 28px;margin-top:72px;border-top:4px solid #1d4ed8}
.footer-top{max-width:1160px;margin:0 auto 40px;background:linear-gradient(135deg,#0f2460,#1a3a7a);border-radius:16px;padding:32px 36px;display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap}
.footer-top p{color:#93c5fd;font-size:14px;max-width:480px;line-height:1.65;margin:0}
.footer-top h3{color:#fff;font-size:18px;font-weight:700;margin-bottom:6px;padding:0;border:none}
.footer-cta{display:inline-flex;padding:11px 24px;background:#fbbf24;color:#0f2460;border-radius:10px;font-weight:800;font-size:14px;white-space:nowrap}
.footer-cta:hover{background:#f59e0b;text-decoration:none}
.footer-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(160px,1fr));gap:32px;max-width:1160px;margin:0 auto 40px}
.footer-col h4{color:#e2e8f0;font-size:13px;font-weight:700;margin-bottom:16px;text-transform:uppercase;letter-spacing:0.08em}
.footer-col .footer-brand{font-size:20px;font-weight:800;color:#fff;margin-bottom:10px}
.footer-col .footer-brand span{color:#fbbf24}
.footer-col a{display:block;color:#64748b;font-size:13px;margin-bottom:8px;transition:color 0.15s}
.footer-col a:hover{color:#e2e8f0;text-decoration:none;padding-left:4px}
.footer-bottom{border-top:1px solid #1e293b;padding-top:24px;text-align:center;font-size:12px;max-width:1160px;margin:0 auto;line-height:2.2;color:#475569}
@media(max-width:640px){.footer-top{flex-direction:column;text-align:center}}

/* ===================== STEP LIST ===================== */
.step-list{counter-reset:step;list-style:none;margin:0 0 18px;padding:0}
.step-list li{counter-increment:step;display:flex;gap:16px;margin-bottom:18px;align-items:flex-start}
.step-list li::before{content:counter(step);background:linear-gradient(135deg,#1d4ed8,#1a5fb0);color:#fff;font-weight:800;font-size:13px;min-width:30px;height:30px;border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:2px;box-shadow:0 2px 8px rgba(29,78,216,0.3)}

/* ===================== HIGHLIGHT BOX ===================== */
.highlight-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));gap:16px;margin:20px 0}
.highlight-card{padding:20px;border-radius:14px;border:2px solid #e2e8f0;background:#fff}
.highlight-card .hc-num{font-size:28px;font-weight:900;color:#1d4ed8;margin-bottom:4px}
.highlight-card .hc-lbl{font-size:13px;font-weight:600;color:#0f172a;margin-bottom:6px}
.highlight-card p{font-size:12px;color:#6b7280;margin:0;line-height:1.5}

/* ===================== CTA SECTION ===================== */
.cta-banner{background:linear-gradient(135deg,#0f2460,#1e3fa5);border-radius:16px;padding:36px 40px;text-align:center;margin:40px 0;color:#fff}
.cta-banner h2{color:#fff;font-size:24px;font-weight:800;margin:0 0 10px;padding:0;border:none}
.cta-banner p{color:#93c5fd;margin:0 0 22px}
.cta-grid{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}
.btn-primary{display:inline-flex;padding:13px 28px;background:#fbbf24;color:#0f2460;border-radius:10px;font-weight:800;font-size:14px;transition:all 0.2s}
.btn-primary:hover{background:#f59e0b;transform:translateY(-1px);text-decoration:none}
.btn-secondary{display:inline-flex;padding:13px 28px;background:rgba(255,255,255,0.12);color:#fff;border-radius:10px;font-weight:700;font-size:14px;border:2px solid rgba(255,255,255,0.2);transition:all 0.2s}
.btn-secondary:hover{background:rgba(255,255,255,0.2);text-decoration:none}

/* ===================== PAGE INTRO STRIP ===================== */
.page-hero{background:linear-gradient(135deg,#0f2460,#1a3a7a);padding:36px 28px;color:#fff}
.page-hero .container{display:flex;align-items:center;gap:20px;flex-wrap:wrap}
.page-hero-icon{font-size:48px;line-height:1}
.page-hero h1{color:#fff;font-size:28px;margin:0 0 8px}
.page-hero p{color:#93c5fd;margin:0;font-size:15px;line-height:1.6}

/* ===================== NOTICE BAR ===================== */
.notice-bar{background:#fef3c7;border:2px solid #f59e0b;border-radius:12px;padding:14px 20px;font-size:14px;color:#92400e;margin:24px 0;display:flex;gap:12px;align-items:flex-start}
.notice-bar strong{color:#78350f}

/* ===================== RESPONSIVE UTILITIES ===================== */
@media(max-width:768px){
  .section-hd{font-size:22px}
  h1{font-size:24px}
  h2{font-size:20px}
  .stat-num{font-size:28px}
  .result-amount{font-size:28px}
  .cta-banner{padding:24px 20px}
  .cta-banner h2{font-size:20px}
}

/* ===================== PRINT STYLES ===================== */
@media print{
  .site-header,.site-footer,.sidebar,.ad-slot,.search-wrap,.nav,.calc-btn,.result-actions,.amort-toggle{display:none!important}
  .page-wrap{grid-template-columns:1fr}
  .content-card{border:none;box-shadow:none;padding:0}
  body{background:#fff;font-size:12px}
  a{color:#000;text-decoration:none}
  .data-table th{background:#333!important;-webkit-print-color-adjust:exact;print-color-adjust:exact}
  .amort-wrap,.amort-table-wrap{display:block!important}
}

/* ===================== POPOUT BADGE ===================== */
.new-badge{background:#ef4444;color:#fff;font-size:10px;font-weight:800;padding:2px 7px;border-radius:100px;vertical-align:middle;margin-left:6px;letter-spacing:0.05em;text-transform:uppercase}
.updated-badge{background:#16a34a;color:#fff;font-size:10px;font-weight:800;padding:2px 7px;border-radius:100px;vertical-align:middle;margin-left:6px;letter-spacing:0.05em;text-transform:uppercase}

/* ===================== SEARCH ===================== */
.search-container{position:relative;max-width:560px;margin:0 auto;z-index:200}
.search-wrap{display:flex;gap:10px;width:100%;position:relative}
.search-wrap input{flex:1;padding:15px 20px;border:none;border-radius:10px;font-size:15px;color:#1a1a1a;box-shadow:0 4px 16px rgba(0,0,0,0.12);font-family:inherit}
.search-wrap input:focus{outline:2px solid #fbbf24}
.search-wrap button{padding:15px 28px;background:#fbbf24;color:#0f2460;border:none;border-radius:10px;font-weight:800;cursor:pointer;font-size:15px;white-space:nowrap;transition:all 0.2s;box-shadow:0 4px 12px rgba(251,191,36,0.3);font-family:inherit}
.search-wrap button:hover{background:#f59e0b;transform:translateY(-1px)}
#search-results{display:none;position:absolute;top:calc(100% + 6px);left:0;right:0;background:#fff;border-radius:12px;box-shadow:0 12px 40px rgba(0,0,0,0.22);z-index:9999;max-height:440px;overflow-y:auto}
.sr-item{display:flex;align-items:flex-start;gap:12px;padding:14px 18px;border-bottom:1px solid #f1f5f9;cursor:pointer;transition:background 0.1s;text-decoration:none;color:inherit}
.sr-item:hover{background:#f0f6ff}
.sr-item:last-child{border:none}
.sr-item .sr-cat{font-size:10px;font-weight:700;color:#1d4ed8;text-transform:uppercase;letter-spacing:0.05em;margin-bottom:3px}
.sr-item .sr-title{font-size:14px;font-weight:600;color:#0f172a;margin-bottom:2px}
.sr-item .sr-desc{font-size:12px;color:#6b7280}
@media(max-width:600px){.hero h1{font-size:28px}.hero p{font-size:16px}.search-wrap{flex-direction:column}}

/* ===================== SCROLL TO TOP ===================== */
.scroll-top{position:fixed;bottom:24px;right:24px;background:#1d4ed8;color:#fff;border:none;border-radius:50%;width:44px;height:44px;cursor:pointer;font-size:20px;display:none;align-items:center;justify-content:center;box-shadow:0 4px 14px rgba(29,78,216,0.35);transition:all 0.2s;z-index:100}
.scroll-top.visible{display:flex}
.scroll-top:hover{background:#1e40af;transform:translateY(-2px)}