:root {
    --ink: #152723;
    --muted: #61706d;
    --deep: #102c2b;
    --deep-2: #17403d;
    --paper: #f6f3eb;
    --white: #fffdf8;
    --lime: #d9f16f;
    --mint: #bfe3d7;
    --coral: #f2a28d;
    --blue: #9dbbd7;
    --line: #d9ddd4;
    --shadow: 0 24px 70px rgba(16, 44, 43, .12);
    --radius: 1.25rem;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
    color: var(--ink);
    background: var(--white);
    font-family: "Avenir Next", "Segoe UI", Helvetica, Arial, sans-serif;
    font-size: 1rem;
    line-height: 1.65;
    -webkit-font-smoothing: antialiased;
}

a { color: inherit; }
h1, h2, h3, .navbar-brand { font-family: Georgia, "Times New Roman", serif; letter-spacing: -.035em; }
h1 { font-size: clamp(3rem, 6vw, 5.75rem); line-height: .98; font-weight: 500; }
h2 { font-size: clamp(2.25rem, 4vw, 3.65rem); line-height: 1.05; font-weight: 500; }
h3 { line-height: 1.2; }
p { color: var(--muted); }

.skip-link { position: fixed; top: -100px; left: 1rem; z-index: 1100; padding: .7rem 1rem; color: #fff; background: var(--deep); border-radius: .5rem; }
.skip-link:focus { top: 1rem; }
.container { max-width: 1240px; }
.section-space { padding: 7rem 0; }

.btn { border-radius: 999px; padding: .78rem 1.35rem; font-weight: 700; letter-spacing: -.01em; }
.btn-lg { padding: 1rem 1.65rem; font-size: 1rem; }
.btn-primary { color: #fff; background: var(--deep); border-color: var(--deep); }
.btn-primary:hover, .btn-primary:focus { color: var(--deep); background: var(--lime); border-color: var(--lime); transform: translateY(-1px); }
.btn-outline-dark { color: var(--ink); border-color: #96a09d; }
.btn-outline-dark:hover { background: var(--ink); border-color: var(--ink); }
.btn-light { color: var(--deep); background: var(--white); border-color: var(--white); }
.btn-light:hover { color: var(--deep); background: var(--lime); border-color: var(--lime); }

.site-header { background: rgba(255, 253, 248, .92); border-bottom: 1px solid rgba(21, 39, 35, .1); backdrop-filter: blur(16px); }
.navbar { min-height: 78px; }
.navbar-brand { display: inline-flex; gap: .65rem; align-items: center; color: var(--deep); font-size: 1.55rem; font-weight: 700; }
.navbar-brand > span:last-child > span { color: #558879; }
.brand-mark { position: relative; display: inline-flex; width: 2rem; height: 2rem; align-items: center; justify-content: center; overflow: hidden; background: var(--deep); border-radius: 50% 50% 7px 50%; }
.brand-mark::before, .brand-mark span { content: ""; width: 2px; height: 1.3rem; background: var(--lime); transform: rotate(45deg); }
.brand-mark span { position: absolute; height: .6rem; transform: rotate(-45deg) translate(3px, 4px); opacity: .75; }
.nav-link { color: #314743; padding: .55rem .8rem !important; border-radius: 999px; font-weight: 650; font-size: .94rem; }
.nav-link:hover, .nav-link.active { color: var(--deep); background: #edf1e7; }
.header-cta { padding: .68rem 1.05rem; font-family: "Avenir Next", "Segoe UI", sans-serif; }
.currency-form { display: flex; gap: .35rem; align-items: center; }
.currency-picker { display: flex; height: 2.45rem; padding: 0 .7rem; align-items: center; gap: .4rem; color: #314743; background: #edf1e7; border: 1px solid transparent; border-radius: 999px; cursor: pointer; }
.currency-picker:focus-within { border-color: #528479; box-shadow: 0 0 0 .2rem rgba(82,132,121,.15); }
.currency-picker i { color: #4e746b; font-size: .85rem; }
.currency-picker select { width: 4.2rem; padding: 0 1rem 0 0; color: var(--deep); background: transparent; border: 0; outline: 0; cursor: pointer; font-size: .76rem; font-weight: 800; text-overflow: ellipsis; }
.currency-picker select option { color: var(--ink); background: var(--white); }
.currency-apply { padding: .35rem .6rem; }
.dropdown-menu { padding: .6rem; border: 1px solid var(--line); border-radius: 1rem; box-shadow: var(--shadow); }
.dropdown-item { padding: .65rem .8rem; border-radius: .65rem; font-weight: 600; }
.dropdown-item:hover { background: #eff4ea; }

.eyebrow { display: inline-flex; gap: .65rem; align-items: center; margin-bottom: 1.5rem; color: var(--deep); font-size: .78rem; font-weight: 800; letter-spacing: .14em; text-transform: uppercase; }
.eyebrow span { width: 2rem; height: 2px; background: var(--deep); }
.eyebrow-text { display: block; margin-bottom: 1rem; color: #3a6b61; font-size: .76rem; font-weight: 800; letter-spacing: .15em; text-transform: uppercase; }
.eyebrow-text.light { color: var(--lime); }

.hero-section { position: relative; overflow: hidden; padding: 7.5rem 0 7rem; background: var(--paper); }
.hero-section::before { content: ""; position: absolute; inset: auto 0 0; height: 1px; background: var(--line); }
.hero-section h1 em { color: #42766a; font-style: italic; font-weight: 400; }
.hero-copy { max-width: 650px; margin: 1.7rem 0 2rem; font-size: 1.24rem; }
.hero-actions { margin-bottom: 2.2rem; }
.hero-trust { display: flex; flex-wrap: wrap; gap: .7rem 1.4rem; color: #4d5e5a; font-size: .84rem; font-weight: 650; }
.hero-trust i { margin-right: .35rem; color: #4d8175; }
.hero-orb { position: absolute; border-radius: 50%; filter: blur(1px); }
.hero-orb-one { top: -8rem; right: 15%; width: 23rem; height: 23rem; border: 1px solid rgba(54, 107, 97, .14); }
.hero-orb-two { right: -5rem; bottom: -10rem; width: 30rem; height: 30rem; background: rgba(217, 241, 111, .18); }

.mirror-card { position: relative; padding: 1.7rem; color: #fff; background: var(--deep); border: 1px solid rgba(255,255,255,.12); border-radius: 1.7rem; box-shadow: 22px 28px 0 rgba(131, 177, 164, .22), var(--shadow); transform: rotate(1.2deg); }
.mirror-card::before { content: ""; position: absolute; inset: 0; pointer-events: none; background: linear-gradient(125deg, transparent 30%, rgba(255,255,255,.08) 50%, transparent 70%); border-radius: inherit; }
.mirror-card-header { display: flex; align-items: flex-start; justify-content: space-between; padding-bottom: 1.3rem; border-bottom: 1px solid rgba(255,255,255,.14); }
.mirror-card-header strong { display: block; margin-top: .2rem; font-family: Georgia, serif; font-size: 1.25rem; }
.card-kicker { color: #a9c3bd; font-size: .7rem; letter-spacing: .12em; text-transform: uppercase; }
.live-dot { padding: .35rem .55rem; color: #dbe7e2; background: rgba(255,255,255,.09); border-radius: 999px; font-size: .7rem; }
.live-dot i { display: inline-block; width: .42rem; height: .42rem; margin-right: .3rem; background: var(--lime); border-radius: 50%; }
.repayment-figure { padding: 1.5rem 0; }
.repayment-figure > span { display: block; color: #b8c9c5; font-size: .84rem; }
.repayment-figure > strong { display: block; margin: .1rem 0; font-family: Georgia, serif; font-size: 3.5rem; font-weight: 500; letter-spacing: -.04em; }
.repayment-figure strong small { color: #b8c9c5; font-family: "Segoe UI", sans-serif; font-size: .9rem; letter-spacing: 0; }
.figure-change { display: inline-block; padding: .3rem .55rem; color: var(--deep); background: var(--lime); border-radius: .45rem; font-size: .72rem; font-weight: 700; }
.cost-row { margin-bottom: 1rem; color: #ccdad6; font-size: .76rem; }
.cost-row strong { color: #fff; font-size: .8rem; }
.bar { height: .45rem; margin-top: .45rem; overflow: hidden; background: rgba(255,255,255,.1); border-radius: 1rem; }
.bar span { display: block; height: 100%; background: #9ad0c1; border-radius: inherit; }
.interest-row .bar span { background: var(--coral); }
.mirror-insight { display: flex; gap: .7rem; padding: .8rem; color: #dbe8e5; background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.08); border-radius: .75rem; font-size: .75rem; line-height: 1.45; }
.mirror-insight i { color: var(--lime); }
.card-disclaimer { margin: .7rem 0 0; color: #8faaa4; font-size: .65rem; }

.section-heading > p { max-width: 430px; margin: 0 0 .4rem; }
.section-heading h2 { margin-bottom: 0; }
.loan-path { position: relative; display: block; min-height: 360px; padding: 2rem; overflow: hidden; color: var(--ink); text-decoration: none; border-radius: var(--radius); transition: transform .25s ease, box-shadow .25s ease; }
.loan-path:hover { color: var(--ink); transform: translateY(-6px); box-shadow: var(--shadow); }
.path-coral { background: #f5c2b4; }
.path-blue { background: #bfd3e5; }
.path-green { background: #c7e4d4; }
.path-number { position: absolute; top: 1.5rem; right: 1.5rem; color: rgba(21,39,35,.45); font-family: Georgia, serif; font-size: .9rem; }
.path-icon { display: flex; width: 4rem; height: 4rem; margin-bottom: 4.5rem; align-items: center; justify-content: center; color: #fff; background: var(--deep); border-radius: 50%; font-size: 1.35rem; }
.loan-path h3 { font-size: 2rem; }
.loan-path p { color: #3c4c49; }
.path-link { position: absolute; bottom: 1.8rem; left: 2rem; font-size: .86rem; font-weight: 800; }
.path-link i { margin-left: .3rem; transition: margin .2s ease; }
.loan-path:hover .path-link i { margin-left: .65rem; }

.clarity-section, .decision-section, .guides-principles { color: #fff; background: var(--deep); }
.clarity-section h2, .decision-section h2, .guides-principles h2 { color: #fff; }
.clarity-section p, .decision-section p { color: #b8cbc6; font-size: 1.05rem; }
.clarity-visual { position: relative; min-height: 500px; }
.reflection-grid { position: absolute; inset: 0; opacity: .14; background-image: linear-gradient(rgba(255,255,255,.25) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.25) 1px, transparent 1px); background-size: 45px 45px; border-radius: var(--radius); mask-image: linear-gradient(to bottom, #000 65%, transparent); }
.comparison-paper { position: absolute; padding: 1.2rem; color: var(--ink); background: var(--white); border-radius: .9rem; box-shadow: 0 20px 50px rgba(0,0,0,.25); }
.comparison-paper > span { display: block; color: var(--muted); font-size: .75rem; }
.comparison-paper > strong { display: block; font-family: Georgia, serif; font-size: 2rem; font-weight: 500; }
.comparison-paper small { color: var(--muted); }
.paper-one { top: 50px; left: 5%; width: 42%; transform: rotate(-7deg); }
.paper-two { z-index: 2; top: 125px; left: 24%; width: 58%; padding: 2rem; border: 2px solid var(--lime); transform: rotate(2deg); }
.paper-two > strong { margin: .4rem 0 1rem; font-size: 2.6rem; }
.paper-three { right: 0; bottom: 40px; width: 40%; transform: rotate(7deg); }
.paper-badge { display: inline-block; margin-bottom: 2rem; padding: .3rem .55rem; background: var(--lime); border-radius: 1rem; font-size: .65rem; font-weight: 800; text-transform: uppercase; }
.mini-divider { height: 1px; margin: 1rem 0; background: var(--line); }
.check-list { margin: 1.5rem 0; padding: 0; list-style: none; }
.check-list li { display: flex; gap: .8rem; margin-bottom: 1rem; align-items: flex-start; }
.check-list i { display: flex; flex: 0 0 1.6rem; width: 1.6rem; height: 1.6rem; align-items: center; justify-content: center; color: var(--deep); background: var(--lime); border-radius: 50%; }
.light-list { color: #d7e2df; }
.light-list strong { color: #fff; }

.calculator-teaser { background: #eef2e8; }
.calculator-teaser h2 { margin-bottom: 1.2rem; }
.text-link { display: inline-flex; gap: .5rem; align-items: center; color: var(--deep); font-size: .86rem; font-weight: 800; text-decoration: none; }
.text-link:hover { color: #397267; }
.text-link.large { font-size: 1rem; }
.quick-calculator { padding: 2rem; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); }
.form-label { color: #40524e; font-size: .8rem; font-weight: 750; }
.form-control, .form-select, .input-group-text { border-color: #ced5d0; }
.form-control:focus, .form-select:focus { border-color: #528479; box-shadow: 0 0 0 .2rem rgba(82,132,121,.15); }
.input-group-text { color: #556963; background: #f0f2ec; }
.quick-result { padding: 1.25rem; color: #fff; background: var(--deep); border-radius: .85rem; }
.quick-result > span { display: block; color: #b8cbc6; font-size: .76rem; }
.quick-result > strong { display: block; font-family: Georgia, serif; font-size: 2.7rem; line-height: 1.1; }
.quick-result > small { color: #8ea9a2; font-size: .7rem; }

.guides-preview, .guides-index { background: var(--paper); }
.guide-card { display: flex; flex-direction: column; padding: 1.7rem; background: var(--white); border: 1px solid var(--line); border-radius: 1rem; transition: transform .2s ease, box-shadow .2s ease; }
.guide-card:hover { transform: translateY(-4px); box-shadow: 0 16px 45px rgba(16,44,43,.08); }
.guide-card-top { display: flex; justify-content: space-between; margin-bottom: 2.5rem; }
.eyebrow-small { color: #3a6b61; font-size: .69rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; }
.read-time { color: #8a9693; font-size: .7rem; }
.guide-card h3 { font-size: 1.7rem; }
.guide-card h3 a { color: var(--ink); text-decoration: none; }
.guide-card p { flex-grow: 1; font-size: .9rem; }

.faq-section { background: var(--white); }
.faq-section h2 { margin-bottom: 1.4rem; }
.accordion-item { background: transparent; border-color: var(--line); }
.accordion-button { padding: 1.4rem 0; color: var(--ink); background: transparent; box-shadow: none !important; font-size: 1.05rem; font-weight: 750; }
.accordion-button:not(.collapsed) { color: #346b60; background: transparent; }
.accordion-button::after { padding: .9rem; background-color: #edf1e7; background-position: center; border-radius: 50%; }
.accordion-body { padding: 0 2.5rem 1.5rem 0; color: var(--muted); }

.closing-cta { padding: 0 0 7rem; background: var(--white); }
.closing-card { display: flex; padding: 3.5rem; align-items: center; justify-content: space-between; color: #fff; background: #356e64; border-radius: 1.5rem; }
.closing-card h2 { margin: 0; color: #fff; }

.site-footer { padding-top: 5rem; color: #d7e3df; background: #0b2221; }
.footer-brand { color: #fff; }
.footer-intro { max-width: 410px; margin: 1.3rem 0; color: #c0d0cc; font-size: 1.05rem; }
.footer-heading { margin-bottom: 1.2rem; color: #789991; font-family: "Segoe UI", sans-serif; font-size: .72rem; font-weight: 800; letter-spacing: .14em; text-transform: uppercase; }
.footer-links { margin: 0; padding: 0; list-style: none; }
.footer-links li { margin-bottom: .65rem; }
.footer-links a { color: #d5e0dd; text-decoration: none; font-size: .9rem; }
.footer-links a:hover { color: var(--lime); }
.footer-bottom { margin-top: 4rem; padding: 1.4rem 0; color: #729089; border-top: 1px solid rgba(255,255,255,.1); font-size: .75rem; }

.inner-hero, .standard-hero { position: relative; overflow: hidden; padding: 3rem 0 6rem; background: var(--paper); }
.inner-hero h1, .standard-hero h1 { max-width: 950px; margin: 2rem 0 1.4rem; font-size: clamp(3.1rem, 6vw, 5.4rem); }
.inner-hero p, .standard-hero p { max-width: 730px; font-size: 1.15rem; }
.breadcrumb { margin-bottom: 3.5rem; font-size: .78rem; }
.breadcrumb a { color: #58706a; }
.breadcrumb-item.active { color: #82908c; }
.category-hero::after { content: ""; position: absolute; right: -6rem; bottom: -10rem; width: 30rem; height: 30rem; border: 5rem solid rgba(255,255,255,.28); border-radius: 50%; }
.category-coral { background: #f6d4ca; }
.category-blue { background: #d7e4ef; }
.category-green { background: #d8ebdf; }
.category-stamp { position: relative; z-index: 1; display: flex; width: 13rem; height: 13rem; margin-left: auto; align-items: center; justify-content: center; color: #fff; background: var(--deep); border-radius: 50%; transform: rotate(4deg); }
.category-stamp i { position: absolute; top: 1.3rem; right: 2.4rem; color: var(--lime); font-size: 1.3rem; }
.category-stamp span { font-family: Georgia, serif; font-size: 1.25rem; line-height: 1.2; }
.info-tile { padding: 2rem; border: 1px solid var(--line); border-radius: var(--radius); }
.info-tile > i { display: flex; width: 3.1rem; height: 3.1rem; margin-bottom: 2.5rem; align-items: center; justify-content: center; color: #fff; background: var(--deep); border-radius: 50%; }
.info-tile h2 { font-size: 1.65rem; }
.info-tile p { margin: 0; font-size: .9rem; }
.sticky-copy { position: sticky; top: 110px; }
.sticky-copy h2 { margin-bottom: 1.2rem; }
.type-list { border-top: 1px solid var(--line); }
.type-item { display: grid; grid-template-columns: 70px 1fr; gap: 1rem; padding: 2rem 0; border-bottom: 1px solid var(--line); }
.type-item > span { color: #729088; font-family: Georgia, serif; font-size: 1.15rem; }
.type-item h3 { margin-bottom: .6rem; font-size: 1.55rem; }
.type-item p { margin: 0; }
.decision-panel { padding: 2.4rem; color: var(--ink); background: var(--white); border-radius: var(--radius); box-shadow: 20px 20px 0 rgba(217,241,111,.22); }
.decision-panel h2 { color: var(--ink); font-size: 2.3rem; }
.decision-panel p { color: var(--muted); }
.panel-label { display: inline-block; margin-bottom: 1.2rem; padding: .3rem .6rem; background: var(--lime); border-radius: 1rem; font-size: .68rem; font-weight: 800; text-transform: uppercase; }
.budget-line { display: flex; gap: 1rem; margin-top: 1.2rem; color: #65746f; font-size: .76rem; }
.budget-line > span:last-child { flex: 1; border-bottom: 1px dashed #b7c0bd; }
.budget-line.accent { color: #2e665a; font-weight: 800; }
.numbered-list { margin-top: 2rem; }
.numbered-list li { align-items: center; padding-bottom: 1rem; border-bottom: 1px solid rgba(255,255,255,.1); }
.check-number { display: flex; flex: 0 0 1.8rem; width: 1.8rem; height: 1.8rem; align-items: center; justify-content: center; color: var(--deep); background: var(--lime); border-radius: 50%; font-size: .72rem; font-weight: 800; }
.compact-cta { padding: 3.2rem 0; background: #e4eadf; }
.compact-cta span { color: #557169; font-size: .72rem; font-weight: 800; letter-spacing: .13em; text-transform: uppercase; }
.compact-cta h2 { margin: .4rem 0 0; font-size: 2rem; }

.calculator-hero { padding-bottom: 11rem; color: #fff; background: var(--deep); }
.calculator-hero .breadcrumb a, .calculator-hero .breadcrumb-item.active { color: #aac1bb; }
.calculator-hero h1 { color: #fff; }
.calculator-hero p { color: #b9cbc7; }
.calculator-workspace { position: relative; margin-top: -7rem; }
.calculator-shell { overflow: hidden; background: var(--white); border: 1px solid #cfd8d3; border-radius: 1.5rem; box-shadow: var(--shadow); }
.calculator-inputs, .calculator-results { padding: 3rem; }
.calculator-inputs { background: var(--white); }
.calculator-results { color: #fff; background: #346d62; }
.calculator-intro h2 { font-size: 2rem; }
.step-label, .result-kicker { color: #6d817c; font-size: .7rem; font-weight: 800; letter-spacing: .13em; text-transform: uppercase; }
.result-kicker { color: #c4d8d2; }
.btn-reset { padding: .35rem .6rem; color: #5a6e68; background: transparent; border: 0; font-size: .76rem; }
.form-field-large { margin-top: 2rem; }
.form-field-large .form-control, .form-field-large .form-select, .form-field-large .input-group-text { min-height: 58px; font-weight: 700; }
.form-range::-webkit-slider-thumb { background: var(--deep); }
.main-result { margin: 1.5rem 0; }
.main-result strong { display: block; font-family: Georgia, serif; font-size: clamp(4rem, 8vw, 6.2rem); font-weight: 500; line-height: .95; letter-spacing: -.05em; }
.main-result span { color: #d1e0dc; }
.result-rule { height: 1px; margin: 2rem 0; background: rgba(255,255,255,.18); }
.result-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.5rem; }
.result-grid div { padding-bottom: 1rem; border-bottom: 1px solid rgba(255,255,255,.13); }
.result-grid span { display: block; color: #bfd0cc; font-size: .75rem; }
.result-grid strong { font-family: Georgia, serif; font-size: 1.35rem; font-weight: 500; }
.repayment-chart { margin-top: 2rem; }
.chart-labels { display: flex; gap: 1.2rem; margin-bottom: .6rem; color: #d6e1de; font-size: .72rem; }
.chart-labels i { display: inline-block; width: .5rem; height: .5rem; margin-right: .3rem; border-radius: 50%; }
.principal-dot { background: var(--lime); }
.interest-dot { background: var(--coral); }
.chart-bar { display: flex; height: .65rem; overflow: hidden; background: rgba(255,255,255,.1); border-radius: 1rem; }
.principal-bar { background: var(--lime); }
.interest-bar { background: var(--coral); }
.result-note { display: flex; gap: .6rem; margin: 1.5rem 0 0; color: #c1d4cf; font-size: .72rem; line-height: 1.5; }
.explainer-step { display: grid; grid-template-columns: 60px 1fr; gap: 1rem; padding: 1.4rem 0; border-bottom: 1px solid var(--line); }
.explainer-step > span { color: #5f857c; font-family: Georgia, serif; }
.explainer-step h3 { font-size: 1.5rem; }
.explainer-step p { margin: 0; }

.guides-hero { background: #dce8e3; }
.guide-filter { margin-bottom: 2rem; }
.guide-search { display: flex; min-width: 290px; padding: .8rem 1rem; align-items: center; gap: .6rem; background: var(--white); border: 1px solid var(--line); border-radius: 999px; }
.guide-search input { width: 100%; background: transparent; border: 0; outline: 0; }
.guides-principles { padding: 6rem 0; }
.principle i { color: var(--lime); font-size: 1.5rem; }
.principle h3 { margin-top: 1.2rem; color: #fff; font-size: 1.35rem; }
.principle p { color: #aac0bb; font-size: .88rem; }

.article-header { padding: 3rem 0 6rem; background: var(--paper); }
.article-header h1 { margin: 2rem 0; font-size: clamp(3rem, 6vw, 5.25rem); }
.article-summary { max-width: 770px; margin: 0 auto 1.5rem; font-size: 1.15rem; }
.article-meta { display: flex; flex-wrap: wrap; gap: 1rem 1.5rem; justify-content: center; color: #6c7a76; font-size: .76rem; }
.article-meta i { margin-right: .35rem; }
.article-container { padding: 5rem 0 7rem; }
.article-body { color: #3b4c48; font-family: Georgia, serif; font-size: 1.12rem; line-height: 1.85; }
.article-body .article-lead { color: var(--ink); font-size: 1.35rem; line-height: 1.65; }
.article-body h2 { margin: 3rem 0 1rem; color: var(--ink); font-size: 2.1rem; }
.article-body p, .article-body li { color: #42534f; }
.article-body li { margin-bottom: .6rem; }
.article-callout { margin: 2.5rem 0; padding: 1.5rem; background: #edf2e7; border-left: 4px solid #5c897f; border-radius: 0 .75rem .75rem 0; font-family: "Segoe UI", sans-serif; font-size: .95rem; }
.article-next { margin-top: 5rem; padding: 2rem; background: #e7eee4; border-radius: 1rem; }
.article-next > div > span { color: #5d786f; font-size: .7rem; font-weight: 800; text-transform: uppercase; }
.article-next h2 { margin: .25rem 0 0; font-size: 1.8rem; }

.standard-hero { padding-bottom: 5rem; background: #dce8e3; }
.standard-body h2 { margin: 2.5rem 0 .8rem; font-size: 2rem; }
.standard-body h2:first-child { margin-top: 0; }
.standard-body p { font-size: 1.05rem; }
.standard-body a { color: #2d6b5f; font-weight: 700; }
.legal-date { margin-top: 3rem; font-size: .85rem !important; font-style: italic; }
.contact-hero { background: #d8ebdf; }
.contact-hero h1 { margin-bottom: 0; }
.contact-hero .col-lg-4 p { margin-bottom: .7rem; }
.contact-section { background: var(--paper); }
.contact-form-card { padding: 2.5rem; background: var(--white); border: 1px solid var(--line); border-radius: 1.4rem; box-shadow: var(--shadow); }
.contact-form-heading { padding-bottom: 1.5rem; border-bottom: 1px solid var(--line); }
.contact-form-heading h2 { margin-bottom: .7rem; font-size: 2.35rem; }
.contact-form-heading p { margin: 0; }
.contact-form { position: relative; padding-top: 2rem; }
.contact-form .form-control, .contact-form .form-select { min-height: 55px; color: var(--ink); background-color: #fffefa; border-color: #cbd4cf; border-radius: .7rem; font-size: .96rem; }
.contact-form textarea.form-control { min-height: 175px; resize: vertical; }
.contact-form .form-label { margin-bottom: .55rem; color: #314743; font-size: .82rem; }
.field-hint { color: #7d8b87; font-size: .72rem; }
.form-text { color: #768581; font-size: .72rem; }
.contact-success { display: flex; gap: .8rem; margin: 1.5rem 0 0; align-items: flex-start; color: #1d5349; background: #e1f1e6; border: 1px solid #badbc7; border-radius: .8rem; }
.contact-success i { margin-top: .1rem; color: #3d7b69; }
.contact-success strong, .contact-success span { display: block; }
.contact-success span { margin-top: .15rem; font-size: .82rem; }
.bot-field { position: absolute !important; left: -10000px !important; width: 1px !important; height: 1px !important; overflow: hidden !important; }
.captcha-row { display: flex; padding: 1rem; align-items: center; justify-content: space-between; gap: 1rem; background: #edf2e7; border: 1px solid #d3ddd0; border-radius: .8rem; }
.captcha-row.has-error { border-color: #dc3545; }
.captcha-copy { display: flex; gap: .75rem; align-items: center; }
.captcha-copy > i { display: flex; flex: 0 0 2.4rem; width: 2.4rem; height: 2.4rem; align-items: center; justify-content: center; color: var(--deep); background: var(--lime); border-radius: 50%; }
.captcha-copy strong, .captcha-copy span { display: block; }
.captcha-copy strong { color: var(--ink); font-size: .82rem; }
.captcha-copy span { color: #536762; font-size: .84rem; }
.captcha-row .form-control { width: 5.5rem; min-height: 45px; text-align: center; font-weight: 800; }
.captcha-error { margin-top: .4rem; color: #dc3545; font-size: .78rem; }
.contact-submit { margin-top: 2rem; padding-top: 1.5rem; border-top: 1px solid var(--line); }
.contact-submit p { max-width: 390px; margin: 0; font-size: .75rem; }
.contact-submit p a { color: #2d6b5f; font-weight: 750; }
.contact-aside { position: sticky; top: 110px; }
.contact-aside h2 { margin-bottom: 1.25rem; font-size: 2.25rem; }
.contact-detail { display: grid; grid-template-columns: 2.5rem 1fr; gap: .75rem; padding: 1.2rem 0; border-bottom: 1px solid var(--line); }
.contact-detail > i { display: flex; width: 2.5rem; height: 2.5rem; align-items: center; justify-content: center; color: #fff; background: var(--deep); border-radius: 50%; }
.contact-detail span { display: block; margin-bottom: .2rem; color: #516660; font-size: .7rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.contact-detail a { color: #2e6a5e; font-weight: 800; text-decoration: none; }
.contact-detail p { margin: 0; font-size: .82rem; line-height: 1.5; }
.error-page { display: flex; min-height: 70vh; padding: 7rem 0; align-items: center; background: var(--paper); }
.error-page .container { max-width: 760px; }
.error-number { display: block; color: #cfdbd5; font-family: Georgia, serif; font-size: 8rem; line-height: .8; }
.error-page h1 { margin: 1.5rem 0; font-size: 3.5rem; }

@media (max-width: 991.98px) {
    .navbar-collapse { padding: 1rem 0 1.5rem; }
    .navbar-nav { align-items: stretch !important; }
    .currency-nav { margin-top: .55rem; }
    .currency-form { align-items: stretch; }
    .currency-picker { width: 100%; justify-content: flex-start; }
    .currency-picker select { width: 100%; }
    .header-cta { display: inline-block; margin-top: .5rem; }
    .hero-section { padding-top: 5rem; }
    .mirror-card { max-width: 560px; margin: 1rem auto 1.5rem; }
    .section-space { padding: 5.5rem 0; }
    .section-heading > p { margin-top: 1.5rem; }
    .clarity-visual { max-width: 620px; margin: 0 auto; }
    .sticky-copy { position: static; }
    .category-stamp { display: none; }
    .calculator-inputs, .calculator-results { padding: 2.2rem; }
    .closing-card { align-items: flex-start; flex-direction: column; gap: 2rem; }
}

@media (max-width: 767.98px) {
    h1 { font-size: 3.25rem; }
    h2 { font-size: 2.4rem; }
    .section-space { padding: 4.5rem 0; }
    .hero-section { padding: 4rem 0 5rem; }
    .hero-copy { font-size: 1.05rem; }
    .mirror-card { box-shadow: 10px 14px 0 rgba(131,177,164,.22); transform: none; }
    .loan-path { min-height: 325px; }
    .path-icon { margin-bottom: 3rem; }
    .clarity-visual { min-height: 430px; }
    .paper-two { left: 11%; width: 72%; }
    .paper-one { left: 0; width: 45%; }
    .paper-three { width: 48%; }
    .quick-calculator { padding: 1.3rem; }
    .closing-card { padding: 2.2rem; }
    .inner-hero, .standard-hero { padding: 2rem 0 4.5rem; }
    .inner-hero h1, .standard-hero h1 { font-size: 3.15rem; }
    .breadcrumb { margin-bottom: 2.5rem; }
    .calculator-hero { padding-bottom: 9rem; }
    .calculator-workspace { margin-top: -6rem; }
    .calculator-inputs, .calculator-results { padding: 1.5rem; }
    .main-result strong { font-size: 4rem; }
    .guide-search { min-width: 100%; margin-top: 1.5rem; }
    .contact-form-card { padding: 1.4rem; }
    .contact-form-heading h2 { font-size: 2rem; }
    .captcha-row { align-items: flex-start; flex-direction: column; }
    .captcha-row .form-control { width: 100%; }
    .contact-submit p { margin-bottom: 1rem; }
    .contact-submit .btn { width: 100%; }
    .contact-aside { position: static; }
    .article-header { padding-bottom: 4rem; }
    .article-header h1 { font-size: 3rem; }
    .article-container { padding: 3.5rem 1rem 5rem; }
    .article-next { gap: 1.5rem; }
    .error-number { font-size: 6rem; }
    .error-page h1 { font-size: 2.7rem; }
}

@media (prefers-reduced-motion: reduce) {
    *, *::before, *::after { scroll-behavior: auto !important; transition: none !important; }
}