/* =========================================================
   1PropertyHub Design System — v2
   Quiet, typographic, generous. Everything Property. One Hub.
   ========================================================= */

/* ---------- Tokens ---------- */
:root{
  /* neutrals — warm-cool grey, near-black text */
  --n-0:#ffffff;  --n-25:#fbfbfd; --n-50:#f5f5f7; --n-100:#eeeef0;
  --n-200:#e3e3e6; --n-300:#d2d2d7; --n-400:#a1a1a6; --n-500:#86868b;
  --n-600:#6e6e73; --n-700:#4b4b50; --n-800:#2c2c2e; --n-900:#1d1d1f;

  --blue:#0066cc; --blue-hover:#0055aa; --blue-light:#2997ff; --blue-soft:#e8f1fc;
  --green:#00875a; --amber:#9a6700; --red:#c9372c; --teal:#0a7c74;

  /* semantic (light) */
  --bg:var(--n-0);
  --bg-subtle:var(--n-50);
  --bg-sunken:var(--n-100);
  --surface:var(--n-50);
  --surface-raised:var(--n-0);
  --border:var(--n-200);
  --border-strong:var(--n-300);
  --text:var(--n-900);
  --text-body:var(--n-700);
  --text-muted:var(--n-600);
  --accent:var(--blue);
  --accent-hover:var(--blue-hover);
  --accent-soft:var(--blue-soft);
  --accent-border:rgba(0,102,204,.22);
  --ring:rgba(0,102,204,.5);

  --shadow-xs:none;
  --shadow-sm:0 1px 2px rgba(0,0,0,.04);
  --shadow-md:0 4px 20px rgba(0,0,0,.06);
  --shadow-lg:0 12px 44px rgba(0,0,0,.09);
  --shadow-xl:0 24px 70px rgba(0,0,0,.12);

  --r-sm:8px; --r-md:12px; --r-lg:18px; --r-xl:24px; --r-2xl:32px; --r-full:980px;

  --sp-1:.25rem; --sp-2:.5rem; --sp-3:.75rem; --sp-4:1rem; --sp-5:1.25rem;
  --sp-6:1.5rem; --sp-8:2rem; --sp-10:2.5rem; --sp-12:3rem; --sp-16:4rem;
  --sp-20:5rem; --sp-24:6rem; --sp-32:8rem;

  --font-sans:-apple-system,BlinkMacSystemFont,"SF Pro Display","SF Pro Text","Inter","Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  --font-serif:"Source Serif 4",Georgia,"Times New Roman",serif;
  --font-mono:ui-monospace,SFMono-Regular,"SF Mono",Menlo,Consolas,monospace;

  --container:1060px;
  --container-wide:1240px;
  --container-narrow:700px;
  --header-h:52px;
  --ease:cubic-bezier(.28,.11,.32,1);
}

[data-theme="dark"]{
  --bg:#000000;
  --bg-subtle:#0a0a0a;
  --bg-sunken:#161617;
  --surface:#161617;
  --surface-raised:#1d1d1f;
  --border:#2a2a2c;
  --border-strong:#3a3a3c;
  --text:#f5f5f7;
  --text-body:#c9c9cd;
  --text-muted:#98989d;
  --accent:#2997ff;
  --accent-hover:#6ab6ff;
  --accent-soft:rgba(41,151,255,.14);
  --accent-border:rgba(41,151,255,.3);
  --ring:rgba(41,151,255,.6);
  --green:#3ddc97; --amber:#f5b74a; --red:#ff6b5e; --teal:#4ad4c8;
  --shadow-sm:0 1px 2px rgba(0,0,0,.6);
  --shadow-md:0 4px 20px rgba(0,0,0,.6);
  --shadow-lg:0 12px 44px rgba(0,0,0,.7);
  --shadow-xl:0 24px 70px rgba(0,0,0,.8);
}

/* ---------- Reset ---------- */
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:calc(var(--header-h) + 28px)}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important}
}
body{
  margin:0;font-family:var(--font-sans);background:var(--bg);color:var(--text-body);
  font-size:17px;line-height:1.55;letter-spacing:-.011em;
  -webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;
  transition:background-color .3s var(--ease),color .3s var(--ease);
  overflow-x:hidden;
}
img,svg,video{max-width:100%;height:auto;display:block}

h1,h2,h3,h4,h5,h6{color:var(--text);font-weight:600;line-height:1.08;margin:0 0 var(--sp-4)}
h1{font-size:clamp(2.6rem,1.7rem + 3.6vw,4.4rem);letter-spacing:-.028em;font-weight:600}
h2{font-size:clamp(2rem,1.4rem + 2.4vw,3.2rem);letter-spacing:-.024em}
h3{font-size:clamp(1.25rem,1.12rem + .5vw,1.5rem);letter-spacing:-.018em;line-height:1.22}
h4{font-size:1.1rem;letter-spacing:-.014em;line-height:1.3}
p{margin:0 0 var(--sp-5)}
a{color:var(--accent);text-decoration:none;transition:color .2s var(--ease)}
a:hover{color:var(--accent-hover);text-decoration:underline}
ul,ol{margin:0 0 var(--sp-5);padding-left:1.3rem}
li{margin-bottom:.45rem}
strong{color:var(--text);font-weight:600}
small{font-size:.82rem}
hr{border:0;border-top:1px solid var(--border);margin:var(--sp-12) 0}
code{font-family:var(--font-mono);font-size:.88em;background:var(--bg-sunken);padding:.15em .4em;border-radius:6px}
:focus-visible{outline:2px solid var(--ring);outline-offset:3px;border-radius:6px}
::selection{background:var(--accent-soft);color:var(--text)}
table{border-collapse:collapse;width:100%}
kbd{font-family:var(--font-mono);font-size:.82em;background:var(--bg-sunken);border:1px solid var(--border);border-bottom-width:2px;border-radius:5px;padding:.1em .4em}

/* ---------- Layout ---------- */
.container{width:100%;max-width:var(--container);margin-inline:auto;padding-inline:var(--sp-6)}
.container-narrow{width:100%;max-width:var(--container-narrow);margin-inline:auto;padding-inline:var(--sp-6)}
.section{padding-block:clamp(4rem,3rem + 4vw,7rem)}
.section-sm{padding-block:clamp(2.5rem,2rem + 2vw,4rem)}
.section-tint{background:var(--bg-subtle)}
.skip-link{position:absolute;left:-9999px;top:0;background:var(--accent);color:#fff;padding:.75rem 1.25rem;z-index:200;border-radius:0 0 var(--r-md) 0}
.skip-link:focus{left:0;color:#fff}
.stack>*+*{margin-top:var(--sp-4)}
.grid{display:grid;gap:var(--sp-5)}
.g2{grid-template-columns:repeat(2,minmax(0,1fr))}
.g3{grid-template-columns:repeat(3,minmax(0,1fr))}
.g4{grid-template-columns:repeat(4,minmax(0,1fr))}
@media(max-width:1000px){.g4{grid-template-columns:repeat(2,minmax(0,1fr))}.g3{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:700px){.g2,.g3,.g4{grid-template-columns:1fr}}

/* ---------- Header ---------- */
.site-header{
  position:sticky;top:0;z-index:100;
  background:color-mix(in srgb,var(--bg) 82%,transparent);
  backdrop-filter:saturate(180%) blur(20px);-webkit-backdrop-filter:saturate(180%) blur(20px);
  border-bottom:1px solid transparent;transition:border-color .3s var(--ease);
}
.site-header.is-stuck{border-bottom-color:var(--border)}
.header-inner{display:flex;align-items:center;gap:var(--sp-6);height:var(--header-h);max-width:var(--container-wide);margin-inline:auto;padding-inline:var(--sp-6)}
.brand{display:flex;align-items:center;gap:.5rem;font-weight:600;font-size:.95rem;color:var(--text);letter-spacing:-.02em;flex-shrink:0}
.brand:hover{color:var(--text);text-decoration:none}
.brand-mark{width:24px;height:24px;flex:none}
.brand-name b{font-weight:600}
.brand-tag{display:none}

.nav{display:flex;align-items:center;gap:0;margin-left:auto}
.nav-item{position:relative}
.nav-link{
  display:inline-flex;align-items:center;gap:.25rem;padding:.5rem .72rem;border-radius:var(--r-sm);
  font-size:.8rem;font-weight:400;letter-spacing:-.005em;color:var(--text-body);
  background:none;border:0;cursor:pointer;font-family:inherit;white-space:nowrap;
  transition:color .2s var(--ease);text-decoration:none;
}
.nav-link:hover,.nav-item.open .nav-link{color:var(--text);text-decoration:none}
.nav-link[aria-current="page"]{color:var(--text);font-weight:500}
.nav-link .chev{width:9px;height:9px;transition:transform .25s var(--ease);opacity:.45}
.nav-item.open .nav-link .chev{transform:rotate(180deg)}

/* full-width dropdown, Apple-style */
.mega{
  position:fixed;top:var(--header-h);left:0;right:0;
  background:color-mix(in srgb,var(--bg) 96%,transparent);
  backdrop-filter:saturate(180%) blur(20px);-webkit-backdrop-filter:saturate(180%) blur(20px);
  border-bottom:1px solid var(--border);
  padding:var(--sp-10) var(--sp-6) var(--sp-12);
  opacity:0;visibility:hidden;transform:translateY(-8px);
  transition:opacity .25s var(--ease),transform .25s var(--ease),visibility .25s;z-index:110;
}
.nav-item.open .mega{opacity:1;visibility:visible;transform:none}
.mega-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:var(--sp-4) var(--sp-12);max-width:var(--container);margin-inline:auto}
.mega-col h5{font-size:.72rem;color:var(--text-muted);margin:0 0 .8rem;font-weight:400;letter-spacing:0;text-transform:none}
.mega a{display:block;padding:.22rem 0;color:var(--text);font-size:1.35rem;font-weight:600;letter-spacing:-.02em;line-height:1.3}
.mega a:hover{color:var(--accent);text-decoration:none}
.mega-foot{max-width:var(--container);margin:var(--sp-8) auto 0;padding-top:var(--sp-5);border-top:1px solid var(--border);display:flex;justify-content:space-between;align-items:center;gap:1rem;font-size:.82rem}
@media(max-width:900px){.mega-grid{grid-template-columns:1fr 1fr}.mega a{font-size:1.05rem}}

.header-actions{display:flex;align-items:center;gap:.1rem;flex-shrink:0}
.icon-btn{
  width:44px;height:44px;display:inline-grid;place-items:center;border-radius:var(--r-sm);
  border:0;background:none;color:var(--text-body);cursor:pointer;transition:color .2s var(--ease);
}
.icon-btn:hover{color:var(--text);text-decoration:none}
.icon-btn svg{width:17px;height:17px}
[data-theme="dark"] .sun{display:block}
[data-theme="dark"] .moon{display:none}
.sun{display:none}.moon{display:block}
.menu-btn{display:none}

@media(max-width:1080px){
  .nav{display:none}
  .menu-btn{display:inline-grid}
}

/* mobile drawer */
.drawer{
  position:fixed;inset:var(--header-h) 0 0;background:var(--bg);z-index:99;overflow-y:auto;
  padding:var(--sp-6) 0 var(--sp-24);transform:translateX(100%);transition:transform .35s var(--ease);visibility:hidden;
}
.drawer.open{transform:none;visibility:visible}
.drawer details{border-bottom:1px solid var(--border)}
.drawer summary{padding:1.05rem .25rem;font-weight:600;font-size:1.25rem;letter-spacing:-.02em;color:var(--text);cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;min-height:56px}
.drawer summary::-webkit-details-marker{display:none}
.drawer summary::after{content:"";width:9px;height:9px;border-right:2px solid var(--text-muted);border-bottom:2px solid var(--text-muted);transform:rotate(45deg);transition:transform .25s var(--ease);margin-right:.4rem}
.drawer details[open] summary::after{transform:rotate(-135deg)}
.drawer details a{display:block;padding:.7rem .25rem .7rem 1rem;font-size:1rem;color:var(--text-body);min-height:48px}
.drawer details a:hover{text-decoration:none;color:var(--accent)}
.drawer .drawer-top{display:flex;align-items:center;padding:1.05rem .25rem;border-bottom:1px solid var(--border);font-weight:600;font-size:1.25rem;letter-spacing:-.02em;color:var(--text);min-height:56px}
.drawer .drawer-top:hover{text-decoration:none;color:var(--accent)}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.35rem;
  padding:.72rem 1.4rem;border-radius:var(--r-full);font-weight:400;font-size:1rem;
  letter-spacing:-.01em;border:1px solid transparent;cursor:pointer;font-family:inherit;line-height:1.3;
  transition:background-color .2s var(--ease),color .2s var(--ease),border-color .2s var(--ease),opacity .2s var(--ease);
  white-space:nowrap;text-align:center;min-height:44px;
}
.btn:hover{text-decoration:none}
.btn-primary{background:var(--accent);color:#fff}
.btn-primary:hover{background:var(--accent-hover);color:#fff}
[data-theme="dark"] .btn-primary{color:#00101f}
.btn-secondary{background:transparent;color:var(--accent);border-color:var(--accent)}
.btn-secondary:hover{background:var(--accent);color:#fff}
[data-theme="dark"] .btn-secondary:hover{color:#00101f}
.btn-ghost{background:transparent;color:var(--accent);padding:.4rem 0;min-height:auto;font-size:1rem}
.btn-ghost:hover{color:var(--accent-hover);text-decoration:underline}
.btn-lg{padding:.85rem 1.7rem;font-size:1.06rem;min-height:48px}
.btn-sm{padding:.5rem 1.05rem;font-size:.88rem;min-height:38px}
.btn-block{width:100%}
.arrow{display:inline-block;transition:transform .2s var(--ease)}
.btn:hover .arrow,a:hover .arrow{transform:translateX(2px)}

/* text link with chevron — the workhorse link style */
.btn-ghost::after{content:none}

/* ---------- Eyebrow / pill / badge ---------- */
.eyebrow{
  display:block;font-size:1.05rem;font-weight:600;letter-spacing:-.015em;
  color:var(--accent);margin-bottom:var(--sp-2);text-transform:none;
}
.pill{
  display:inline-flex;align-items:center;gap:.4rem;padding:.28rem .8rem;border-radius:var(--r-full);
  background:var(--bg-sunken);border:0;color:var(--text-muted);
  font-size:.78rem;font-weight:500;letter-spacing:0;
}
.pill svg{width:13px;height:13px}
.badge{display:inline-block;padding:.16rem .55rem;border-radius:var(--r-full);font-size:.7rem;font-weight:600;letter-spacing:.02em;text-transform:uppercase;background:var(--bg-sunken);color:var(--text-muted)}
.badge-blue{background:var(--accent-soft);color:var(--accent)}
.badge-green{color:var(--green);background:color-mix(in srgb,var(--green) 12%,transparent)}
.badge-amber{color:var(--amber);background:color-mix(in srgb,var(--amber) 14%,transparent)}

.lead{font-size:clamp(1.12rem,1.03rem + .42vw,1.35rem);color:var(--text-muted);line-height:1.45;letter-spacing:-.014em;max-width:44ch}
.section-head{max-width:660px;margin-bottom:var(--sp-10)}
.section-head.center{margin-inline:auto;text-align:center}
.section-head.center .lead{margin-inline:auto}
.section-head p{margin-bottom:0;color:var(--text-muted);font-size:1.1rem;line-height:1.45;letter-spacing:-.012em;max-width:52ch}
.section-head.center p{margin-inline:auto}
.head-row{display:flex;align-items:flex-end;justify-content:space-between;gap:var(--sp-6);margin-bottom:var(--sp-8);flex-wrap:wrap}
.head-row .section-head{margin-bottom:0}

/* ---------- Hero ---------- */
.hero{position:relative;padding-block:clamp(3.5rem,2rem + 6vw,7rem) clamp(2.5rem,2rem + 3vw,4.5rem);overflow:hidden;text-align:center}
.hero-grid{display:block;max-width:920px;margin-inline:auto}
.hero h1{margin-bottom:var(--sp-5);max-width:16ch;margin-inline:auto}
.hero .lead{margin:0 auto var(--sp-8);font-size:clamp(1.15rem,1.02rem + .55vw,1.45rem);color:var(--text-muted);max-width:46ch}
.hero-cta{display:flex;gap:var(--sp-3);flex-wrap:wrap;margin-bottom:var(--sp-8);justify-content:center}
.hero .searchbox{margin-inline:auto}
.hero .search-chips{justify-content:center}
.hero-trust{display:flex;gap:clamp(1.5rem,4vw,4rem);flex-wrap:wrap;justify-content:center;margin-top:var(--sp-12);padding-top:var(--sp-8);border-top:1px solid var(--border)}
.hero-trust div strong{display:block;font-size:clamp(1.6rem,1.3rem + 1.1vw,2.2rem);color:var(--text);letter-spacing:-.03em;line-height:1.1;font-weight:600}
.hero-trust div span{font-size:.85rem;color:var(--text-muted)}
.hero-art{margin:var(--sp-12) auto 0;max-width:760px}

/* ---------- Search ---------- */
.searchbox{position:relative;max-width:540px}
.searchbox input{
  width:100%;padding:.85rem 1.1rem .85rem 2.9rem;border-radius:var(--r-full);
  border:1px solid transparent;background:var(--bg-sunken);color:var(--text);
  font-family:inherit;font-size:1rem;letter-spacing:-.01em;min-height:48px;
  transition:background-color .2s var(--ease),box-shadow .2s var(--ease);
}
.searchbox input::placeholder{color:var(--text-muted)}
.searchbox input:focus{outline:none;background:var(--surface-raised);box-shadow:0 0 0 3px var(--ring)}
.searchbox .s-icon{position:absolute;left:1.05rem;top:50%;transform:translateY(-50%);width:17px;height:17px;color:var(--text-muted);pointer-events:none}
.search-results{
  position:absolute;top:calc(100% + 8px);left:0;right:0;background:var(--surface-raised);border:1px solid var(--border);
  border-radius:var(--r-lg);box-shadow:var(--shadow-xl);max-height:62vh;overflow-y:auto;z-index:60;display:none;padding:.4rem;text-align:left;
}
.search-results.show{display:block}
.search-results a{display:block;padding:.6rem .8rem;border-radius:var(--r-sm);color:var(--text-body)}
.search-results a:hover,.search-results a.active{background:var(--bg-sunken);text-decoration:none}
.search-results .r-title{display:block;font-weight:500;color:var(--text);font-size:.95rem}
.search-results .r-meta{display:block;font-size:.78rem;color:var(--text-muted)}
.search-results .r-empty{padding:1rem .8rem;color:var(--text-muted);font-size:.9rem}
.search-chips{display:flex;gap:.45rem;flex-wrap:wrap;margin-top:var(--sp-4)}
.chip{padding:.4rem .9rem;border-radius:var(--r-full);background:var(--bg-sunken);border:0;font-size:.85rem;color:var(--text-body);cursor:pointer;font-family:inherit;min-height:36px;transition:background-color .2s var(--ease),color .2s var(--ease)}
.chip:hover{background:var(--accent);color:#fff}

/* ---------- Cards ---------- */
.card{
  background:var(--surface);border:0;border-radius:var(--r-xl);
  padding:var(--sp-8) var(--sp-6);
  transition:background-color .25s var(--ease),transform .3s var(--ease);
  display:flex;flex-direction:column;height:100%;
}
a.card{color:inherit}
a.card:hover{text-decoration:none}
.card-hover:hover{background:var(--bg-sunken)}
.card h3{margin-bottom:var(--sp-2)}
.card p{color:var(--text-muted);font-size:.95rem;line-height:1.5;margin-bottom:var(--sp-4)}
.card-foot{margin-top:auto;padding-top:var(--sp-3)}
.card-links{list-style:none;padding:0;margin:0 0 var(--sp-4)}
.card-links li{margin-bottom:.3rem}
.card-links a{font-size:.92rem;color:var(--text-body);line-height:1.4}
.card-links a:hover{color:var(--accent)}

/* icons: small, monochrome, no chrome */
.ico{
  display:inline-flex;align-items:center;justify-content:flex-start;
  width:auto;height:auto;margin-bottom:var(--sp-4);
  background:none;border:0;border-radius:0;color:var(--text-muted);
}
.ico svg{width:22px;height:22px}
.ico-green{color:var(--green)}
.ico-amber{color:var(--amber)}
.ico-violet{color:var(--accent)}
.ico-teal{color:var(--teal)}

/* calculator card */
.calc-card{display:block;padding:var(--sp-6)}
.calc-card .ico{margin-bottom:var(--sp-3)}
.calc-card h3{font-size:1.16rem;margin-bottom:.3rem}
.calc-card p{font-size:.92rem;margin:0;line-height:1.5}

/* article card */
.post-card{padding:0;overflow:hidden;background:var(--surface)}
.post-thumb{aspect-ratio:16/10;background:var(--bg-sunken);overflow:hidden}
.post-thumb svg{width:100%;height:100%;display:block}
.post-body{padding:var(--sp-6);display:flex;flex-direction:column;flex:1}
.post-body h3{font-size:1.18rem;line-height:1.28;margin-bottom:.5rem;letter-spacing:-.02em}
.post-body .badge{align-self:flex-start}
.post-meta{display:flex;align-items:center;gap:.45rem;font-size:.8rem;color:var(--text-muted);margin-top:auto;padding-top:var(--sp-4);flex-wrap:wrap}
.post-meta .dot{width:2px;height:2px;border-radius:50%;background:var(--border-strong)}

/* path card */
.path-card{position:relative}
.path-card .path-num{position:absolute;top:var(--sp-6);right:var(--sp-6);font-size:1rem;font-weight:600;color:var(--text-muted);opacity:.5;letter-spacing:0}
.progress{height:4px;border-radius:var(--r-full);background:var(--border);overflow:hidden;margin-bottom:.5rem}
.progress i{display:block;height:100%;border-radius:inherit;background:var(--accent);transition:width .4s var(--ease)}
.path-meta{display:flex;gap:var(--sp-4);font-size:.84rem;color:var(--text-muted);margin-bottom:var(--sp-4);flex-wrap:wrap;align-items:center}
.path-meta svg{width:14px;height:14px;vertical-align:-2px;margin-right:.2rem}

/* stat */
.stat{background:var(--surface);border:0;border-radius:var(--r-lg);padding:var(--sp-6)}
.stat .k{font-size:.82rem;color:var(--text-muted)}
.stat .v{font-size:2.2rem;font-weight:600;color:var(--text);letter-spacing:-.03em;line-height:1.1;margin:.3rem 0 .1rem}
.stat .d{font-size:.85rem;color:var(--text-muted)}
.trend-up{color:var(--green);font-weight:500}
.trend-down{color:var(--red);font-weight:500}

/* ---------- Breadcrumbs ---------- */
.crumbs{padding-block:var(--sp-5) 0}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:.35rem;padding:0;margin:0;font-size:.82rem;color:var(--text-muted)}
.crumbs li{display:flex;align-items:center;gap:.35rem;margin:0}
.crumbs li+li::before{content:"›";color:var(--border-strong)}
.crumbs a{color:var(--text-muted)}
.crumbs a:hover{color:var(--accent)}
.crumbs [aria-current]{color:var(--text-body)}

/* ---------- Page header ---------- */
.page-head{padding-block:var(--sp-10) var(--sp-12);background:var(--bg-subtle)}
.page-head h1{margin-bottom:var(--sp-4)}
.page-head .lead{margin-bottom:0}

/* ---------- Article ---------- */
.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 260px;gap:var(--sp-16);align-items:start;padding-block:var(--sp-10) var(--sp-20)}
@media(max-width:1000px){.article-layout{grid-template-columns:1fr;gap:var(--sp-12)}}
.prose{font-size:1.12rem;line-height:1.65;letter-spacing:-.012em;color:var(--text-body);max-width:66ch}
.prose h2{margin-top:var(--sp-16);margin-bottom:var(--sp-4);scroll-margin-top:92px;font-size:clamp(1.6rem,1.3rem + 1.1vw,2.1rem)}
.prose h3{margin-top:var(--sp-10);margin-bottom:var(--sp-3);scroll-margin-top:92px}
.prose>p:first-of-type{font-size:1.28rem;color:var(--text);line-height:1.5;letter-spacing:-.018em}
.prose ul,.prose ol{margin-bottom:var(--sp-6)}
.prose li{margin-bottom:.6rem}
.prose li::marker{color:var(--text-muted)}
.prose a{text-decoration:underline;text-underline-offset:3px;text-decoration-thickness:1px;text-decoration-color:var(--accent-border)}
.prose a:hover{text-decoration-color:var(--accent)}
.prose blockquote{margin:var(--sp-10) 0;padding:0;border:0;font-size:1.6rem;line-height:1.3;letter-spacing:-.022em;color:var(--text);font-weight:600;font-style:normal}
.prose img{border-radius:var(--r-lg);margin-block:var(--sp-8)}
.prose figure{margin:var(--sp-10) 0}
.prose figcaption{font-size:.85rem;color:var(--text-muted);text-align:center;margin-top:.6rem}

.article-meta{display:flex;align-items:center;gap:var(--sp-4);flex-wrap:wrap;margin-bottom:var(--sp-8);padding-bottom:var(--sp-6);border-bottom:1px solid var(--border)}
.byline{display:flex;align-items:center;gap:.65rem}
.avatar{width:40px;height:40px;border-radius:50%;background:var(--bg-sunken);color:var(--text-muted);display:grid;place-items:center;font-weight:600;font-size:.82rem;border:0;flex:none}
.byline .n{display:block;font-weight:500;color:var(--text);font-size:.92rem;line-height:1.3}
.byline .r{display:block;font-size:.8rem;color:var(--text-muted)}
.meta-sep{width:1px;height:24px;background:var(--border)}
.meta-item{font-size:.84rem;color:var(--text-muted)}

.callout{border-radius:var(--r-lg);padding:var(--sp-6);margin:var(--sp-10) 0;border:0;background:var(--bg-subtle)}
.callout .ct{display:flex;align-items:center;gap:.45rem;font-weight:600;color:var(--text);margin-bottom:.5rem;font-size:.98rem}
.callout .ct svg{width:17px;height:17px}
.callout p:last-child{margin-bottom:0}
.callout-tip .ct{color:var(--green)}
.callout-warn .ct{color:var(--amber)}
.callout-key .ct{color:var(--accent)}

.takeaways{background:var(--bg-subtle);border:0;border-radius:var(--r-lg);padding:var(--sp-6) var(--sp-8);margin-bottom:var(--sp-10)}
.takeaways h2{font-size:.95rem!important;margin:0 0 var(--sp-3)!important;color:var(--text-muted);font-weight:500;letter-spacing:0;text-transform:none}
.takeaways ul{margin:0;padding-left:1.15rem}
.takeaways li{font-size:1rem;line-height:1.5}

.data-table{margin:var(--sp-10) 0;overflow-x:auto;border-radius:var(--r-lg);background:var(--bg-subtle)}
.data-table table{font-size:.95rem;min-width:460px}
.data-table th{text-align:left;padding:.9rem 1.1rem;font-weight:500;color:var(--text-muted);font-size:.82rem;letter-spacing:0;text-transform:none;border-bottom:1px solid var(--border)}
.data-table td{padding:.9rem 1.1rem;border-bottom:1px solid var(--border);color:var(--text-body)}
.data-table tr:last-child td{border-bottom:0}

.faq-item{border-bottom:1px solid var(--border)}
.faq-item summary{padding:1.15rem 2.2rem 1.15rem 0;font-weight:500;color:var(--text);cursor:pointer;list-style:none;position:relative;font-size:1.08rem;letter-spacing:-.015em;min-height:56px;display:flex;align-items:center}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"";position:absolute;right:.5rem;top:50%;width:12px;height:2px;background:var(--text-muted);transition:transform .25s var(--ease)}
.faq-item summary::before{content:"";position:absolute;right:.5rem;top:50%;width:12px;height:2px;background:var(--text-muted);transform:rotate(90deg);transition:transform .25s var(--ease),opacity .25s var(--ease)}
.faq-item[open] summary::before{transform:rotate(0deg);opacity:0}
.faq-item .faq-a{padding:0 0 1.3rem;color:var(--text-body)}
.faq-item .faq-a p:last-child{margin-bottom:0}

.share{display:flex;gap:.5rem;align-items:center;flex-wrap:wrap;margin:var(--sp-12) 0;padding:var(--sp-5) 0;border-block:1px solid var(--border)}
.share span{font-size:.85rem;color:var(--text-muted);margin-right:.3rem}
.share a,.share button{width:44px;height:44px;border-radius:50%;border:0;background:var(--bg-sunken);display:grid;place-items:center;color:var(--text-body);cursor:pointer;transition:background-color .2s var(--ease),color .2s var(--ease)}
.share a:hover,.share button:hover{background:var(--accent);color:#fff;text-decoration:none}
.share svg{width:16px;height:16px}

.sources{background:var(--bg-subtle);border-radius:var(--r-lg);padding:var(--sp-6) var(--sp-8);margin-top:var(--sp-12);border:0}
.sources h3{font-size:.95rem;color:var(--text-muted);font-weight:500;letter-spacing:0;text-transform:none;margin-bottom:var(--sp-3)}
.sources ol{font-size:.88rem;color:var(--text-muted);margin:0;padding-left:1.2rem}

.author-box{display:flex;gap:var(--sp-5);align-items:flex-start;background:var(--bg-subtle);border:0;border-radius:var(--r-lg);padding:var(--sp-8);margin-top:var(--sp-12)}
.author-box .avatar{width:56px;height:56px;font-size:1.05rem}
.author-box h4{margin-bottom:.25rem}
.author-box p{font-size:.92rem;color:var(--text-muted);margin-bottom:.6rem}

/* ---------- Sidebar / TOC ---------- */
.sidebar{position:sticky;top:calc(var(--header-h) + 24px);display:flex;flex-direction:column;gap:var(--sp-6)}
@media(max-width:1000px){.sidebar{position:static}}
.toc{background:none;border:0;border-radius:0;padding:0}
.toc h4{font-size:.78rem;color:var(--text-muted);margin-bottom:var(--sp-3);font-weight:500;letter-spacing:0;text-transform:none}
.toc ul{list-style:none;padding:0;margin:0;border-left:1px solid var(--border)}
.toc li{margin:0}
.toc a{display:block;padding:.35rem 0 .35rem .9rem;margin-left:-1px;border-left:1px solid transparent;font-size:.88rem;color:var(--text-muted);line-height:1.4}
.toc a:hover{color:var(--text);text-decoration:none}
.toc a.active{color:var(--accent);border-left-color:var(--accent)}
.toc .sub a{padding-left:1.6rem;font-size:.84rem}
.side-card{background:var(--bg-subtle);border:0;border-radius:var(--r-lg);padding:var(--sp-6)}
.side-card h4{font-size:1rem;margin-bottom:.5rem}
.side-card p{font-size:.9rem;color:var(--text-muted);margin-bottom:var(--sp-4);line-height:1.45}
.side-list{list-style:none;padding:0;margin:0}
.side-list li{border-bottom:1px solid var(--border);padding:.6rem 0;margin:0}
.side-list li:last-child{border-bottom:0;padding-bottom:0}
.side-list a{font-size:.92rem;color:var(--text-body);line-height:1.4;display:block}
.side-list a:hover{color:var(--accent)}

/* ---------- Calculator UI ---------- */
.calc-shell{display:grid;grid-template-columns:1fr 1fr;gap:var(--sp-8);align-items:start}
@media(max-width:900px){.calc-shell{grid-template-columns:1fr}}
.calc-panel{background:var(--bg-subtle);border:0;border-radius:var(--r-xl);padding:var(--sp-8)}
.calc-panel h2{font-size:1.05rem!important;color:var(--text-muted);font-weight:500;letter-spacing:0;margin-bottom:var(--sp-6)}
.field{margin-bottom:var(--sp-5)}
.field label{display:block;font-size:.88rem;font-weight:400;color:var(--text-muted);margin-bottom:.4rem}
.field .hint{font-size:.78rem;color:var(--text-muted);display:block;margin-top:.25rem}
.input-wrap{position:relative;display:flex;align-items:center}
.input-wrap .pre,.input-wrap .post{position:absolute;color:var(--text-muted);font-size:1rem;pointer-events:none}
.input-wrap .pre{left:.95rem}
.input-wrap .post{right:.95rem}
.input-wrap.has-pre input{padding-left:1.95rem}
.input-wrap.has-post input{padding-right:2.3rem}
input[type=number],input[type=text],input[type=email],select,textarea{
  width:100%;padding:.7rem .95rem;border-radius:var(--r-md);border:1px solid var(--border-strong);
  background:var(--surface-raised);color:var(--text);font-family:inherit;font-size:1.02rem;min-height:46px;
  letter-spacing:-.01em;transition:border-color .2s var(--ease),box-shadow .2s var(--ease);
}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--accent);box-shadow:0 0 0 3px var(--ring)}
input[type=range]{width:100%;accent-color:var(--accent);padding:0;min-height:auto}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:var(--sp-4)}
@media(max-width:540px){.field-row{grid-template-columns:1fr}}
.result-panel{background:var(--text);color:var(--bg);border-radius:var(--r-xl);padding:var(--sp-8);position:sticky;top:calc(var(--header-h) + 24px)}
[data-theme="dark"] .result-panel{background:var(--surface-raised);color:var(--text)}
@media(max-width:900px){.result-panel{position:static}}
.result-panel h3{color:inherit;opacity:.6;font-size:.85rem;text-transform:none;letter-spacing:0;font-weight:400;margin-bottom:.4rem}
.result-hero{font-size:clamp(2.4rem,1.8rem + 2.4vw,3.4rem);font-weight:600;letter-spacing:-.035em;line-height:1.05;margin-bottom:.35rem;color:inherit;font-variant-numeric:tabular-nums}
.result-sub{opacity:.6;font-size:.95rem;margin-bottom:var(--sp-8);line-height:1.4}
.result-rows{border-top:1px solid rgba(128,128,128,.28)}
.result-rows .row{display:flex;justify-content:space-between;gap:1rem;padding:.72rem 0;border-bottom:1px solid rgba(128,128,128,.18);font-size:.95rem}
.result-rows .row span:first-child{opacity:.65}
.result-rows .row span:last-child{font-variant-numeric:tabular-nums}
.result-rows .row.total span{font-weight:600;font-size:1.05rem;opacity:1}
.donut{display:flex;gap:var(--sp-6);align-items:center;margin-top:var(--sp-8);flex-wrap:wrap}
.legend{list-style:none;padding:0;margin:0;font-size:.88rem}
.legend li{display:flex;align-items:center;gap:.5rem;margin-bottom:.4rem;opacity:.8}
.legend i{width:9px;height:9px;border-radius:3px;display:block;flex:none}
.amort-wrap{max-height:440px;overflow-y:auto;border-radius:var(--r-lg);background:var(--bg-subtle);margin-top:var(--sp-6)}
.amort-wrap table{font-size:.9rem}
.amort-wrap th{position:sticky;top:0;background:var(--bg-subtle);z-index:1;padding:.7rem .9rem;text-align:right;font-size:.78rem;font-weight:500;color:var(--text-muted);text-transform:none;letter-spacing:0;border-bottom:1px solid var(--border)}
.amort-wrap th:first-child,.amort-wrap td:first-child{text-align:left}
.amort-wrap td{padding:.6rem .9rem;text-align:right;border-bottom:1px solid var(--border);font-variant-numeric:tabular-nums;color:var(--text-body)}

/* ---------- Glossary ---------- */
.alpha-nav{display:flex;flex-wrap:wrap;gap:.3rem;margin-bottom:var(--sp-10)}
.alpha-nav a{width:40px;height:40px;display:grid;place-items:center;border-radius:var(--r-full);border:0;background:var(--bg-subtle);font-weight:500;font-size:.9rem;color:var(--text-body)}
.alpha-nav a:hover{background:var(--accent);color:#fff;text-decoration:none}
.alpha-nav a.disabled{opacity:.3;pointer-events:none}
.term-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:.3rem var(--sp-6)}
.term-grid a{padding:.45rem 0;font-size:.98rem;color:var(--text-body)}
.term-grid a:hover{color:var(--accent)}
.alpha-group{margin-bottom:var(--sp-12);scroll-margin-top:100px}
.alpha-group h2{font-size:1.8rem;color:var(--text);border:0;padding-bottom:.6rem;margin-bottom:var(--sp-4)}

/* ---------- Directory lists ---------- */
.dir-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(210px,1fr));gap:.4rem}
.dir-grid a{display:flex;justify-content:space-between;align-items:center;gap:.5rem;padding:.85rem 1rem;border:0;border-radius:var(--r-md);background:var(--bg-subtle);color:var(--text-body);font-size:.95rem;min-height:48px;transition:background-color .2s var(--ease),color .2s var(--ease)}
.dir-grid a:hover{background:var(--accent);color:#fff;text-decoration:none}
.dir-grid a:hover small{color:rgba(255,255,255,.75)}
.dir-grid a small{color:var(--text-muted);font-size:.8rem}

/* ---------- Footer ---------- */
.site-footer{background:var(--bg-subtle);border-top:0;padding-block:var(--sp-12) var(--sp-8);margin-top:var(--sp-16);font-size:.82rem}
.footer-grid{display:grid;grid-template-columns:1.5fr repeat(4,1fr);gap:var(--sp-8);margin-bottom:var(--sp-10)}
@media(max-width:980px){.footer-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.footer-grid{grid-template-columns:1fr}}
.footer-brand p{font-size:.82rem;color:var(--text-muted);max-width:34ch;margin-top:var(--sp-4);line-height:1.5}
.footer-col h5{font-size:.82rem;color:var(--text);margin-bottom:var(--sp-3);font-weight:600;letter-spacing:0;text-transform:none}
.footer-col ul{list-style:none;padding:0;margin:0}
.footer-col li{margin-bottom:.5rem}
.footer-col a{font-size:.82rem;color:var(--text-muted)}
.footer-col a:hover{color:var(--text);text-decoration:underline}
.footer-bottom{border-top:1px solid var(--border);padding-top:var(--sp-5);display:flex;justify-content:space-between;gap:var(--sp-4);flex-wrap:wrap;font-size:.8rem;color:var(--text-muted)}
.footer-bottom nav{display:flex;gap:var(--sp-5);flex-wrap:wrap}
.footer-bottom a{color:var(--text-muted)}
.footer-bottom a:hover{color:var(--text)}
.social{display:flex;gap:.4rem;margin-top:var(--sp-5)}
.social a{width:40px;height:40px;border-radius:50%;border:0;display:grid;place-items:center;color:var(--text-muted);background:var(--bg-sunken)}
.social a:hover{color:var(--text);background:var(--border);text-decoration:none}
.social svg{width:16px;height:16px}
.disclosure{font-size:.78rem;color:var(--text-muted);background:none;border-radius:0;padding:0 0 var(--sp-8);margin-bottom:var(--sp-8);border-bottom:1px solid var(--border);line-height:1.55;max-width:none}

/* ---------- Back to top ---------- */
.to-top{
  position:fixed;right:1.25rem;bottom:1.25rem;width:44px;height:44px;border-radius:50%;
  background:var(--surface-raised);color:var(--text-body);border:1px solid var(--border);
  display:grid;place-items:center;cursor:pointer;z-index:90;box-shadow:var(--shadow-md);
  opacity:0;visibility:hidden;transform:translateY(8px);
  transition:opacity .3s var(--ease),transform .3s var(--ease),visibility .3s;
}
.to-top.show{opacity:1;visibility:visible;transform:none}
.to-top:hover{color:var(--accent)}
.to-top svg{width:17px;height:17px}

/* ---------- Utilities ---------- */
.center{text-align:center}
.mt0{margin-top:0}.mb0{margin-bottom:0}
.mb2{margin-bottom:var(--sp-2)}.mb4{margin-bottom:var(--sp-4)}.mb6{margin-bottom:var(--sp-6)}.mb8{margin-bottom:var(--sp-8)}
.mt6{margin-top:var(--sp-6)}.mt8{margin-top:var(--sp-8)}.mt10{margin-top:var(--sp-10)}
.muted{color:var(--text-muted)}
.small{font-size:.87rem}
.flex{display:flex}.wrap{flex-wrap:wrap}.gap2{gap:var(--sp-2)}.gap4{gap:var(--sp-4)}
.items-center{align-items:center}.justify-between{justify-content:space-between}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.reveal{opacity:0;transform:translateY(14px);transition:opacity .7s var(--ease),transform .7s var(--ease)}
.reveal.in{opacity:1;transform:none}
@media print{.site-header,.site-footer,.sidebar,.share,.newsletter,.to-top{display:none!important}.article-layout{grid-template-columns:1fr}}