:root{
  --navy:#14213d;
  --navy-2:#0f1a32;
  --gold:#c9a227;
  --cream:#f8f2e7;
  --cream-2:#fffaf1;
  --teal:#2f7f7b;
  --gray:#667085;
  --dark:#182230;
  --border:#e7dcc8;
  --white:#ffffff;
  --shadow:0 18px 45px rgba(20,33,61,.10);
}
*{box-sizing:border-box}
body{margin:0;font-family:"Source Sans 3",system-ui,sans-serif;color:var(--dark);background:var(--cream-2);line-height:1.65}
a{color:var(--teal);text-decoration:none}
a:hover{text-decoration:underline}
nav{position:sticky;top:0;z-index:20;background:rgba(255,250,241,.95);backdrop-filter:blur(12px);border-bottom:1px solid var(--border);display:flex;align-items:center;justify-content:space-between;padding:16px clamp(18px,4vw,56px)}
.nav-logo{font-family:"Playfair Display",serif;font-weight:700;color:var(--navy);font-size:1.25rem;text-decoration:none}
.nav-logo span{color:var(--gold)}
.nav-links{list-style:none;display:flex;gap:22px;margin:0;padding:0;align-items:center}
.nav-links a{color:var(--navy);font-weight:700;text-decoration:none}
.nav-links a.active,.nav-links a:hover{color:var(--teal)}
.nav-toggle{display:none;border:0;background:var(--navy);color:white;border-radius:8px;padding:8px 10px;font-size:1.1rem}
.section-inner{width:min(1120px,calc(100% - 36px));margin:0 auto}
.narrow{width:min(780px,calc(100% - 36px))}
.hero,.page-hero{background:linear-gradient(135deg,var(--navy),#23395d);color:white;padding:84px 0}
.hero-inner{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(280px,.8fr);gap:42px;align-items:center}
h1,h2,h3{font-family:"Playfair Display",serif;line-height:1.12;color:inherit}
h1{font-size:clamp(2.3rem,5vw,4.6rem);margin:12px 0 18px}
h2{font-size:clamp(1.8rem,3vw,2.8rem);margin:0 0 14px}
h3{font-size:1.35rem;margin:0 0 10px}
p{margin:0 0 16px}
.hero p,.page-hero p{font-size:1.18rem;color:rgba(255,255,255,.88)}
.kicker,.section-tag{display:inline-block;letter-spacing:.08em;text-transform:uppercase;font-size:.78rem;font-weight:800;color:var(--gold)}
.button-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:22px}
.button-row.center{justify-content:center}
.button-row.stacked{flex-direction:column}
.btn{display:inline-flex;align-items:center;justify-content:center;padding:12px 18px;border-radius:999px;font-weight:800;text-decoration:none;border:1px solid transparent;cursor:pointer;font-family:inherit;font-size:1rem}
.btn:hover{text-decoration:none;transform:translateY(-1px)}
.btn-primary{background:var(--gold);color:var(--navy)}
.btn-secondary{background:white;color:var(--navy)}
.btn-outline{border-color:var(--border);background:white;color:var(--navy)}
.hero-card,.card,.article-card,.sidebar-card,.callout,.notice{background:white;border:1px solid var(--border);box-shadow:var(--shadow);border-radius:22px;padding:28px}
.hero-card{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.22);color:white}
.hero-card ul{padding-left:20px}
section{padding:70px 0}
.alt{background:var(--cream)}
.stats{padding:0;background:var(--cream)}
.stats-grid{width:min(1120px,calc(100% - 36px));margin:-38px auto 0;position:relative;z-index:5;display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.stat{background:white;border:1px solid var(--border);border-radius:18px;padding:20px;text-align:center;box-shadow:var(--shadow)}
.stat strong{display:block;color:var(--navy);font-size:1.45rem}
.stat span{color:var(--gray);font-weight:700}
.section-head{text-align:center;max-width:780px;margin:0 auto 34px}
.section-title{color:var(--navy)}
.section-subtitle{color:var(--gray);font-size:1.12rem}
.grid-2,.grid-3{display:grid;gap:22px}
.grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}
.grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}
.top-border{border-top:5px solid var(--gold)}
.card h3{color:var(--navy)}
.card p,.muted,.small-note{color:var(--gray)}
.term-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.term-card{background:white;border:1px solid var(--border);border-radius:22px;padding:24px;box-shadow:var(--shadow)}
.term-label{display:inline-flex;background:var(--cream);color:var(--teal);font-weight:900;border-radius:999px;padding:5px 11px;margin-bottom:12px}
.callout{text-align:center;background:linear-gradient(135deg,#fff,var(--cream))}
.check-list{padding-left:22px}
.check-list li{margin-bottom:8px}
.notice{box-shadow:none;background:#fff8e8;color:var(--dark);border-left:5px solid var(--gold)}
.tool-card,.term-link-card{display:flex;flex-direction:column;justify-content:space-between}
.calc-card label,.contact-form label{display:block;font-weight:800;color:var(--navy);margin:12px 0}
input,textarea,select{width:100%;padding:12px 14px;margin-top:6px;border:1px solid var(--border);border-radius:12px;font:inherit;background:white;color:var(--dark)}
.result{font-weight:900;color:var(--teal);margin-top:16px}
.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:28px;align-items:start}
.article-card h2{color:var(--navy);margin-top:28px}
.article-card h2:first-child{margin-top:0}
.lead{font-size:1.2rem;color:var(--navy);font-weight:700}
.sidebar-card{position:sticky;top:96px}
.sidebar-card h3{color:var(--navy);margin-top:20px}
.sidebar-card h3:first-child{margin-top:0}
footer{background:var(--navy);color:white;padding:34px clamp(18px,4vw,56px)}
.footer-inner{display:flex;justify-content:space-between;gap:28px;align-items:flex-start;width:min(1120px,100%);margin:0 auto}
.footer-brand{font-family:"Playfair Display",serif;font-weight:700;font-size:1.25rem}
.footer-nav{display:flex;gap:14px;flex-wrap:wrap;justify-content:flex-end}
.footer-nav a{color:white;text-decoration:none;opacity:.86}
.footer-nav a:hover{opacity:1;text-decoration:underline}
code{background:var(--cream);padding:2px 5px;border-radius:5px}
@media(max-width:850px){
  .nav-toggle{display:block}
  .nav-links{display:none;position:absolute;left:0;right:0;top:64px;background:var(--cream-2);border-bottom:1px solid var(--border);padding:18px;flex-direction:column;align-items:flex-start}
  .nav-open .nav-links{display:flex}
  .hero-inner,.grid-2,.grid-3,.term-grid,.article-layout{grid-template-columns:1fr}
  .stats-grid{grid-template-columns:repeat(2,1fr)}
  .footer-inner{flex-direction:column}
  .footer-nav{justify-content:flex-start}
  .sidebar-card{position:static}
}
@media(max-width:520px){
  .stats-grid{grid-template-columns:1fr}
  section{padding:52px 0}
  .hero,.page-hero{padding:62px 0}
}

/* Calculator update styles */
.calc-card h4{
  color:var(--teal);
  margin:24px 0 6px;
  font-family:"Source Sans 3",system-ui,sans-serif;
  font-size:1rem;
  letter-spacing:.03em;
  text-transform:uppercase;
}
.wide-card{grid-column:span 2;}
.mini-grid{margin:0;}
.result-box{
  margin-top:18px;
  padding:18px;
  background:var(--cream);
  border:1px solid var(--border);
  border-radius:16px;
  color:var(--dark);
}
.result-box:empty{display:none;}
.result-box strong{color:var(--navy);}
.result-grid{
  display:grid;
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:12px;
  margin-top:12px;
}
.result-metric{
  background:white;
  border:1px solid var(--border);
  border-radius:14px;
  padding:14px;
}
.result-metric span{
  display:block;
  color:var(--gray);
  font-size:.9rem;
  font-weight:700;
}
.result-metric strong{
  display:block;
  font-size:1.2rem;
}
.small-notice{margin-top:18px;font-size:.95rem;}
@media(max-width:850px){
  .wide-card{grid-column:span 1;}
  .result-grid{grid-template-columns:1fr;}
}



/* Sitewide navigation order: Home, Tools, Money Guides, Money Terms, Services, About, Contact */
.site-nav .nav-links{display:flex;direction:ltr;}
.site-nav .nav-item-home{order:1;}
.site-nav .nav-item-tools{order:2;}
.site-nav .nav-item-guides{order:3;}
.site-nav .nav-item-terms{order:4;}
.site-nav .nav-item-services{order:5;}
.site-nav .nav-item-about{order:6;}
.site-nav .nav-item-contact{order:7;}
@media(max-width:850px){
  .site-nav .nav-links{display:none;flex-direction:column;}
  .nav-open .site-nav .nav-links{display:flex;}
}


/* Content expansion helpers */
.faq-list {
  display: grid;
  gap: 1rem;
  margin-top: 1rem;
}

.calculator-form {
  margin: 1.5rem 0;
}