:root {
    --ink: #14213d;
    --muted: #63708a;
    --blue: #2364d2;
    --blue-dark: #123b8f;
    --sky: #eef5ff;
    --line: #dfe7f2;
    --paper: #ffffff;
    --bg: #f5f7fb;
    --warm: #f6b73c;
    --shadow: 0 18px 50px rgba(24, 54, 101, .10);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
    margin: 0;
    color: var(--ink);
    background: var(--bg);
    font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
    font-size: 17px;
    line-height: 1.7;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--blue-dark); text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: var(--blue); }

.site-header { background: var(--paper); border-bottom: 1px solid var(--line); position: sticky; top: 0; z-index: 10; }
.nav-wrap { max-width: 1180px; margin: 0 auto; padding: 14px 24px; display: flex; align-items: center; gap: 26px; }
.brand { color: var(--ink); text-decoration: none; display: inline-flex; align-items: center; gap: 11px; line-height: 1.1; font-weight: 800; letter-spacing: -.02em; }
.brand-mark { width: 37px; height: 37px; display: grid; place-items: center; color: white; background: linear-gradient(145deg, var(--blue), #50a4ff); border-radius: 11px; font-size: 19px; box-shadow: 0 7px 16px rgba(35,100,210,.25); }
.brand small { display: block; color: var(--muted); font-size: 11px; font-weight: 600; letter-spacing: .03em; margin-top: 4px; }
.nav-links { display: flex; flex-wrap: wrap; gap: 6px; margin-left: auto; }
.nav-links a { color: var(--muted); text-decoration: none; font-size: 14px; font-weight: 700; padding: 8px 11px; border-radius: 9px; }
.nav-links a:hover, .nav-links a[aria-current="page"] { color: var(--blue-dark); background: var(--sky); }

.hero { background: radial-gradient(circle at 88% 15%, rgba(80,164,255,.35), transparent 30%), linear-gradient(118deg, #0d2b65, #2465d5 65%, #4aa2fa); color: white; }
.hero-inner { max-width: 1180px; margin: 0 auto; padding: 78px 24px 82px; display: grid; grid-template-columns: minmax(0, 1.2fr) minmax(280px, .8fr); align-items: center; gap: 54px; }
.eyebrow { font-size: 13px; font-weight: 800; letter-spacing: .14em; text-transform: uppercase; color: #cfe4ff; margin: 0 0 15px; }
.hero h1 { max-width: 720px; font-size: clamp(38px, 5vw, 68px); line-height: 1.07; letter-spacing: -.05em; margin: 0 0 21px; }
.hero p { max-width: 660px; color: #e2efff; font-size: 19px; margin: 0 0 28px; }
.hero-media { overflow: hidden; border: 6px solid rgba(255,255,255,.18); border-radius: 25px; box-shadow: 0 25px 55px rgba(0,0,0,.25); transform: rotate(1deg); }
.hero-media img { width: 100%; height: 300px; object-fit: cover; }

.button { display: inline-flex; align-items: center; justify-content: center; gap: 8px; min-height: 48px; padding: 10px 18px; border: 1px solid transparent; border-radius: 10px; background: var(--warm); color: #2b250f; font-weight: 800; text-decoration: none; box-shadow: 0 9px 20px rgba(0,0,0,.13); }
.button:hover { color: #2b250f; transform: translateY(-1px); }
.button.secondary { background: white; color: var(--blue-dark); box-shadow: none; }

.main { max-width: 1180px; margin: 0 auto; padding: 56px 24px 72px; }
.section-heading { max-width: 760px; margin-bottom: 28px; }
.section-heading h2 { color: var(--ink); font-size: clamp(28px, 4vw, 42px); letter-spacing: -.04em; line-height: 1.15; margin: 0 0 10px; }
.section-heading p { color: var(--muted); margin: 0; }
.cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 18px; }
.card { background: var(--paper); border: 1px solid var(--line); border-radius: 17px; padding: 24px; box-shadow: 0 8px 25px rgba(24,54,101,.04); }
.card h3 { margin: 0 0 9px; font-size: 20px; line-height: 1.25; }
.card p { color: var(--muted); margin: 0 0 15px; }
.card a { font-weight: 800; }
.icon { width: 42px; height: 42px; border-radius: 12px; background: var(--sky); color: var(--blue); display: grid; place-items: center; font-size: 21px; margin-bottom: 17px; }
.notice { background: #fff8e7; border: 1px solid #f7dda1; border-left: 5px solid var(--warm); padding: 18px 21px; border-radius: 12px; margin: 28px 0; }
.notice p { margin: 0; }
.loan-calculator { margin: 34px 0; padding: clamp(22px, 4vw, 34px); background: linear-gradient(145deg, #f4f8ff, #ffffff); border: 1px solid #cfe0fa; border-radius: 18px; box-shadow: 0 12px 30px rgba(24,54,101,.07); }
.calculator-heading h2 { margin-top: 0; }
.calculator-heading p { color: var(--muted); margin-bottom: 22px; }
.calculator-form { display: grid; gap: 22px; }
.calculator-fields { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 17px; }
.calculator-field label { display: block; font-weight: 800; font-size: 15px; margin-bottom: 7px; }
.calculator-field small { display: block; color: var(--muted); font-size: 13px; line-height: 1.45; margin-top: 6px; }
.input-with-unit { display: flex; align-items: center; background: var(--paper); border: 1px solid #c8d5e8; border-radius: 10px; overflow: hidden; }
.input-with-unit:focus-within { border-color: var(--blue); box-shadow: 0 0 0 3px rgba(35,100,210,.12); }
.input-with-unit input { width: 100%; min-width: 0; border: 0; outline: 0; padding: 12px 13px; color: var(--ink); background: transparent; font: inherit; font-size: 16px; }
.input-with-unit span { padding: 0 13px 0 0; color: var(--muted); font-weight: 700; }
.calculator-form .button { justify-self: start; cursor: pointer; font: inherit; }
.calculator-result { margin-top: 24px; padding: 18px 20px; border: 1px solid; border-radius: 13px; }
.calculator-result.is-good { color: #155b3a; background: #edf9f2; border-color: #a9dfbf; }
.calculator-result.is-caution { color: #76500b; background: #fff8e7; border-color: #f1d58d; }
.calculator-result.is-warning { color: #7b3f00; background: #fff1df; border-color: #f1bc7d; }
.calculator-result.is-danger { color: #862d35; background: #fff0f1; border-color: #e8aab0; }
.calculator-summary { display: flex; justify-content: space-between; gap: 18px; padding-top: 12px; margin-top: 12px; border-top: 1px solid rgba(20,33,61,.12); font-size: 15px; }
.calculator-summary b { white-space: nowrap; font-size: 18px; }
.calculator-note { color: var(--muted); font-size: 13px; line-height: 1.55; margin: 18px 0 0; }
.article { max-width: 850px; margin: 0 auto; background: var(--paper); border: 1px solid var(--line); border-radius: 20px; padding: clamp(24px, 5vw, 54px); box-shadow: var(--shadow); }
.article + .article { margin-top: 28px; }
.article-header { margin-bottom: 28px; }
.article h1 { color: var(--ink); font-size: clamp(32px, 4vw, 51px); line-height: 1.1; letter-spacing: -.045em; margin: 0 0 13px; }
.article h2 { color: var(--blue-dark); font-size: clamp(23px, 3vw, 31px); line-height: 1.2; margin: 36px 0 12px; }
.article h3 { color: var(--blue-dark); font-size: 21px; margin: 28px 0 8px; }
.article p { margin: 0 0 18px; }
.article ul, .article ol { padding-left: 24px; }
.article li { margin: 5px 0; }
.article figure { margin: 26px 0 30px; }
.article figure img { border-radius: 15px; width: 100%; }
.article figure figcaption { color: var(--muted); font-size: 14px; margin-top: 7px; }
.lead { color: var(--muted); font-size: 19px; }
.breadcrumbs { max-width: 1180px; margin: 0 auto; padding: 25px 24px 0; color: var(--muted); font-size: 14px; }
.breadcrumbs a { color: var(--muted); }
.tag { display: inline-block; color: var(--blue-dark); background: var(--sky); border-radius: 999px; padding: 5px 10px; font-size: 12px; font-weight: 800; margin-bottom: 16px; }
.split { display: grid; grid-template-columns: minmax(0, 1.4fr) minmax(250px, .6fr); gap: 24px; align-items: start; }
.side-card { position: sticky; top: 94px; background: var(--sky); border: 1px solid #d5e6ff; border-radius: 16px; padding: 22px; }
.side-card h3 { margin-top: 0; }
.side-card ul { margin: 0; padding-left: 19px; }
.footer { border-top: 1px solid var(--line); background: var(--paper); color: var(--muted); font-size: 14px; }
.footer-inner { max-width: 1180px; margin: 0 auto; padding: 28px 24px; display: flex; justify-content: space-between; gap: 20px; flex-wrap: wrap; }
.footer p { margin: 0; }
.footer a { color: var(--muted); }
.cta { margin-top: 26px; background: var(--ink); color: white; border-radius: 18px; padding: 28px; display: flex; align-items: center; justify-content: space-between; gap: 20px; }
.cta h2 { color: white; margin: 0 0 4px; font-size: 26px; }
.cta p { color: #cfdaed; margin: 0; }
.text-banner { margin: 28px 0; padding: 25px 30px; border-radius: 18px; background: linear-gradient(120deg, #173d87, #246bd8); color: white; box-shadow: 0 14px 30px rgba(24, 67, 140, .18); }
.text-banner h2 { margin: 0 0 4px; color: white; font-size: 26px; line-height: 1.2; }
.text-banner p { margin: 0; color: #e2efff; }
.text-banner a { color: white; font-weight: 800; text-underline-offset: 4px; }
.table-wrap { overflow-x: auto; }
table { width: 100%; border-collapse: collapse; background: var(--paper); }
th, td { padding: 13px 15px; border-bottom: 1px solid var(--line); text-align: left; vertical-align: top; }
th { color: var(--blue-dark); background: var(--sky); font-size: 14px; }
.faq-section + .faq-section { margin-top: 42px; }
.faq-section h2 { margin-top: 0; }
.faq-list { display: grid; gap: 10px; }
.faq-item { overflow: hidden; border: 1px solid var(--line); border-radius: 12px; background: #fbfdff; }
.faq-item summary { position: relative; cursor: pointer; list-style: none; padding: 16px 48px 16px 18px; color: var(--blue-dark); font-weight: 800; line-height: 1.35; }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after { content: '+'; position: absolute; top: 12px; right: 18px; color: var(--blue); font-size: 25px; font-weight: 400; }
.faq-item[open] summary { background: var(--sky); }
.faq-item[open] summary::after { content: '−'; }
.faq-answer { border-top: 1px solid var(--line); padding: 16px 18px 4px; }
.faq-answer p:last-child { margin-bottom: 14px; }
.source-note { margin-top: 30px; padding-top: 22px; border-top: 1px solid var(--line); color: var(--muted); font-size: 14px; }

@media (max-width: 820px) {
    .nav-wrap { align-items: flex-start; flex-direction: column; gap: 12px; }
    .nav-links { margin-left: 0; gap: 2px; }
    .nav-links a { padding: 6px 8px; }
    .hero-inner, .split { grid-template-columns: 1fr; gap: 30px; }
    .hero-inner { padding-top: 56px; padding-bottom: 60px; }
    .hero-media { max-width: 570px; transform: none; }
    .cards { grid-template-columns: 1fr; }
    .side-card { position: static; }
    .cta { align-items: flex-start; flex-direction: column; }
}
@media (max-width: 520px) {
    body { font-size: 16px; }
    .nav-wrap, .main, .hero-inner, .breadcrumbs, .footer-inner { padding-left: 16px; padding-right: 16px; }
    .nav-links { width: 100%; }
    .nav-links a { font-size: 13px; }
    .hero h1 { font-size: 39px; }
    .article { border-radius: 14px; padding: 22px 18px; }
    .article h1 { font-size: 34px; }
    .button { width: 100%; }
    .calculator-fields { grid-template-columns: 1fr; }
    .calculator-summary { align-items: flex-start; flex-direction: column; gap: 2px; }
}