.hub-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.hub-card{display:flex;flex-direction:column;background:#fff;border:1px solid #e5d8c8;border-radius:18px;padding:28px;box-shadow:0 10px 30px rgba(31,58,95,.1)}.hub-card h3{margin-bottom:10px}.hub-card p{flex:1}.hub-card .meta,.article-meta{color:#657083;font-size:.88rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em}.tag{display:inline-block;background:var(--beige);color:var(--burgundy);padding:5px 10px;border-radius:999px;font-size:.78rem;font-weight:800;margin:0 5px 7px 0}.calculator-shell{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(320px,.9fr);gap:32px;align-items:start}.calc-panel{background:#fff;border-radius:22px;padding:32px;box-shadow:var(--shadow)}.calc-fields{display:grid;grid-template-columns:repeat(2,1fr);gap:17px}.calc-field label{display:block;font-weight:800;margin-bottom:6px}.calc-field input,.calc-field select,.search-box{width:100%;padding:13px 14px;border:2px solid #cbd4df;border-radius:9px;font:inherit;background:#fff}.calc-results{position:sticky;top:100px;background:var(--blue);color:#fff;border-radius:22px;padding:32px}.calc-results h2{font-size:1.65rem}.metric{padding:17px 0;border-bottom:1px solid rgba(255,255,255,.2)}.metric:last-child{border:0}.metric span{display:block;color:#dbe6f3;font-size:.9rem}.metric strong{display:block;color:var(--gold);font:900 clamp(1.7rem,4vw,2.5rem) Montserrat,Arial,sans-serif}.faq details{background:#fff;border:1px solid #dfd6ca;border-radius:12px;padding:17px 20px;margin:12px 0}.faq summary{font-weight:800;cursor:pointer}.breadcrumb{font-size:.9rem;margin-bottom:24px}.breadcrumb a{color:var(--gold)}.article{max-width:820px;margin:auto}.article h2{font-size:clamp(1.55rem,3vw,2.25rem);margin:42px 0 14px}.article h3{margin-top:30px}.article p,.article li{font-size:1.05rem}.related{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.price-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}.price-card{background:#fff;color:var(--ink);border-radius:22px;padding:34px;box-shadow:var(--shadow);border-top:7px solid var(--gold)}.price{font:900 2.6rem Montserrat,Arial,sans-serif;color:var(--burgundy);margin:12px 0}.search-row{display:flex;gap:12px;max-width:700px;margin:25px 0}.hidden-card{display:none}.disclaimer{background:#eef2f6;border-left:5px solid var(--blue);padding:18px;border-radius:8px;font-size:.9rem}.section.compact{padding:65px 0}.projection-table{background:#fff;border-radius:16px;overflow:hidden;box-shadow:var(--shadow)}.projection-row{display:grid;grid-template-columns:1fr repeat(3,1.3fr);gap:16px;padding:17px 22px;border-bottom:1px solid #eadfce}.projection-row:last-child{border:0}.projection-row strong{color:var(--burgundy)}.projection-head{background:var(--blue);color:#fff}.shortfall+strong{color:#ffdd76}@media(max-width:900px){.hub-grid,.related{grid-template-columns:1fr 1fr}.calculator-shell,.price-grid{grid-template-columns:1fr}.calc-results{position:static}}@media(max-width:600px){.hub-grid,.related,.calc-fields{grid-template-columns:1fr}.calc-panel,.calc-results{padding:24px}.projection-row{grid-template-columns:1fr 1fr;gap:8px}.projection-head{display:none}}
.legal-links{margin:22px 0 8px}.legal-links a{color:var(--gold);font-weight:700}