:root{--navy:#1B2B4B;--navy-light:#243860;--amber:#F59E0B;--amber-dark:#D97706;--white:#fff;--page-bg:#F8FAFC;--gray-100:#F1F5F9;--gray-200:#E2E8F0;--gray-300:#CBD5E1;--gray-400:#94A3B8;--gray-600:#475569;--text:#1E293B;--green:#10B981;--red:#EF4444;--radius:14px;--radius-lg:22px;--container:1200px;--shadow:0 14px 40px rgba(27,43,75,.10);--shadow-sm:0 6px 20px rgba(27,43,75,.07)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--page-bg);color:var(--text);font-family:Inter,system-ui,-apple-system,"Segoe UI",sans-serif;line-height:1.65;-webkit-font-smoothing:antialiased}h1,h2,h3,h4{font-family:Manrope,Inter,sans-serif;color:var(--navy);line-height:1.15;letter-spacing:-.025em}h1{font-size:clamp(2.2rem,5vw,4rem);margin:.2em 0}h2{font-size:clamp(1.55rem,3vw,2.2rem)}h3{font-size:1.23rem}a{color:#225DA8}button,input,select,textarea{font:inherit}.container{width:min(calc(100% - 34px),var(--container));margin-inline:auto}.skip-link{position:fixed;top:10px;left:10px;z-index:9999;padding:10px 14px;background:var(--navy);color:#fff;border-radius:8px;transform:translateY(-170%)}.skip-link:focus{transform:none}.utility-bar{background:#EEF2F7;border-bottom:1px solid var(--gray-200);font-size:.78rem;color:var(--gray-600)}.utility-inner{min-height:34px;display:flex;align-items:center;justify-content:space-between;gap:18px}.utility-links{display:flex;gap:18px}.utility-links a{color:var(--gray-600);text-decoration:none}.site-header{position:sticky;top:0;z-index:1000;background:rgba(255,255,255,.97);backdrop-filter:blur(16px);border-bottom:1px solid var(--gray-200);box-shadow:0 2px 12px rgba(27,43,75,.03)}.header-inner{min-height:76px;display:flex;align-items:center;gap:24px}.brand{display:inline-flex;align-items:center;gap:11px;color:var(--navy);text-decoration:none;white-space:nowrap}.brand-mark{width:44px;height:44px;display:grid;place-items:center;border-radius:13px;background:linear-gradient(145deg,var(--navy),var(--navy-light));color:#fff;font-family:Manrope,sans-serif;font-weight:800;box-shadow:0 7px 18px rgba(27,43,75,.16)}.brand-copy{display:flex;flex-direction:column;line-height:1.05}.brand-copy strong{font-family:Manrope,sans-serif;font-size:1.12rem}.brand-copy small{margin-top:4px;color:var(--gray-600);font-size:.67rem;font-weight:600}.desktop-nav{display:flex;align-items:center;gap:2px;flex:1}.desktop-nav>a,.nav-dropdown summary{display:flex;align-items:center;gap:5px;min-height:42px;padding:0 10px;border-radius:9px;color:var(--text);text-decoration:none;font-size:.89rem;font-weight:700;cursor:pointer;list-style:none}.desktop-nav>a:hover,.nav-dropdown summary:hover,.nav-dropdown[open] summary{background:#F1F5F9;color:var(--navy)}.nav-dropdown{position:relative}.nav-dropdown summary::-webkit-details-marker{display:none}.dropdown-panel{position:absolute;top:calc(100% + 11px);left:0;min-width:240px;padding:9px;background:#fff;border:1px solid var(--gray-200);border-radius:13px;box-shadow:var(--shadow)}.dropdown-panel a{display:block;padding:10px 11px;border-radius:8px;color:var(--text);text-decoration:none;white-space:nowrap;font-size:.9rem}.dropdown-panel a:hover{background:var(--gray-100)}.header-actions{display:flex;align-items:center;gap:9px}.search-form input{width:205px;height:42px;padding:0 13px;border:1px solid var(--gray-300);border-radius:10px;background:#fff;outline:none}.search-form input:focus{border-color:var(--amber);box-shadow:0 0 0 3px rgba(245,158,11,.13)}.header-cta,.btn-primary{display:inline-flex;align-items:center;justify-content:center;min-height:42px;padding:0 17px;border:0;border-radius:10px;background:var(--amber);color:var(--navy);font-weight:800;text-decoration:none;cursor:pointer;box-shadow:0 6px 14px rgba(245,158,11,.18)}.header-cta:hover,.btn-primary:hover{background:var(--amber-dark);color:#fff}.btn-navy{display:inline-flex;align-items:center;justify-content:center;min-height:42px;padding:0 17px;border:0;border-radius:10px;background:var(--navy);color:#fff;font-weight:800;text-decoration:none;cursor:pointer}.btn-outline{display:inline-flex;align-items:center;justify-content:center;min-height:42px;padding:0 17px;border:1px solid var(--gray-300);border-radius:10px;background:#fff;color:var(--navy);font-weight:800;text-decoration:none}.menu-button{display:none;width:42px;height:42px;border:1px solid var(--gray-300);border-radius:10px;background:#fff;color:var(--navy);font-size:1.15rem}.mobile-nav{display:none;padding:10px 16px 18px;background:#fff;border-top:1px solid var(--gray-200)}.mobile-nav.open{display:block}.mobile-nav a{display:block;padding:11px 7px;border-bottom:1px solid var(--gray-200);color:var(--text);font-weight:700;text-decoration:none}.hero{position:relative;overflow:hidden;padding:68px 0;background:linear-gradient(125deg,var(--navy) 0%,var(--navy-light) 67%,#314b78 100%);color:#fff}.hero:after{content:"";position:absolute;width:440px;height:440px;border-radius:50%;right:-150px;top:-160px;background:radial-gradient(circle,rgba(245,158,11,.23),rgba(245,158,11,0) 68%)}.hero-grid{position:relative;z-index:1;display:grid;grid-template-columns:1.2fr .8fr;gap:50px;align-items:center}.hero h1,.hero h2,.hero h3{color:#fff}.hero h1{max-width:780px}.hero .accent{color:var(--amber)}.hero p{max-width:720px;color:#D8E2F1;font-size:1.08rem}.eyebrow{display:inline-flex;align-items:center;gap:7px;padding:6px 11px;border-radius:999px;background:rgba(245,158,11,.14);border:1px solid rgba(245,158,11,.28);color:#FFD889;font-size:.76rem;font-weight:800;text-transform:uppercase;letter-spacing:.06em}.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:22px}.hero .btn-outline{border-color:rgba(255,255,255,.25);background:rgba(255,255,255,.08);color:#fff}.trust-row{display:flex;flex-wrap:wrap;gap:10px;margin-top:23px}.trust-pill{padding:7px 10px;border-radius:999px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.12);color:#D8E2F1;font-size:.79rem}.hero-card{padding:24px;border:1px solid rgba(255,255,255,.15);border-radius:var(--radius-lg);background:rgba(255,255,255,.98);color:var(--text);box-shadow:0 25px 70px rgba(8,18,37,.28)}.hero-card h2{margin:0 0 9px;color:var(--navy);font-size:1.35rem}.hero-card p{color:var(--gray-600);font-size:.9rem}.hero-stat-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:18px}.hero-stat{padding:14px;background:var(--gray-100);border-radius:12px}.hero-stat strong{display:block;color:var(--navy);font-family:Manrope,sans-serif;font-size:1.25rem}.hero-stat span{color:var(--gray-600);font-size:.75rem}.section{padding:58px 0}.section.compact{padding:34px 0}.section-white{background:#fff}.section-head{display:flex;align-items:end;justify-content:space-between;gap:20px;margin-bottom:24px}.section-head h2{margin:0}.section-head p{margin:7px 0 0;max-width:720px;color:var(--gray-600)}.section-kicker{display:block;margin-bottom:7px;color:var(--amber-dark);font-size:.75rem;font-weight:800;text-transform:uppercase;letter-spacing:.08em}.tool-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px}.card-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}.tool-card,.content-card,.panel{background:#fff;border:1px solid var(--gray-200);border-radius:var(--radius);box-shadow:var(--shadow-sm)}.tool-card{position:relative;overflow:hidden;display:flex;flex-direction:column;min-height:190px;padding:21px;color:inherit;text-decoration:none;transition:.2s ease}.tool-card:before{content:"";position:absolute;left:0;top:0;right:0;height:4px;background:var(--amber);transform:scaleX(0);transform-origin:left;transition:.2s ease}.tool-card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}.tool-card:hover:before{transform:scaleX(1)}.tool-icon{width:46px;height:46px;display:grid;place-items:center;margin-bottom:14px;border-radius:13px;background:#FFF7E6;font-size:1.45rem}.tool-card h3{margin:0 0 7px}.tool-card p{margin:0;color:var(--gray-600);font-size:.9rem}.tool-card .card-arrow{margin-top:auto;padding-top:15px;color:var(--amber-dark);font-weight:800;font-size:.85rem}.content-card{padding:22px}.content-card h3{margin:5px 0 9px}.content-card p{color:var(--gray-600)}.split-banner{display:grid;grid-template-columns:1.1fr .9fr;gap:36px;align-items:center;padding:32px;background:linear-gradient(120deg,#FFF7E6,#fff);border:1px solid #FDE1A9;border-radius:var(--radius-lg)}.split-banner h2{margin:0}.split-banner p{color:var(--gray-600)}.trust-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.trust-card{padding:22px;border-radius:var(--radius);background:#fff;border:1px solid var(--gray-200)}.trust-card strong{display:block;margin-bottom:5px;color:var(--navy);font-family:Manrope}.breadcrumb-bar{border-bottom:1px solid var(--gray-200);background:#fff}.breadcrumb{display:flex;flex-wrap:wrap;gap:8px;padding:13px 0;color:var(--gray-600);font-size:.84rem}.breadcrumb a{color:var(--gray-600);text-decoration:none}.page-hero{padding:42px 0 30px;background:#fff;border-bottom:1px solid var(--gray-200)}.page-hero p{max-width:760px;color:var(--gray-600);font-size:1.03rem}.calc-layout{display:grid;grid-template-columns:minmax(0,1fr) 360px;gap:34px;align-items:start}.calc-tool{overflow:hidden;border-radius:var(--radius-lg);background:#fff;border:1px solid var(--gray-200);box-shadow:var(--shadow)}.calc-tool-header{padding:23px 25px;background:linear-gradient(120deg,var(--navy),var(--navy-light));color:#fff}.calc-tool-header h2{margin:0;color:#fff;font-size:1.35rem}.calc-tool-header p{margin:6px 0 0;color:#C9D7E9;font-size:.9rem}.calc-tool-body{padding:25px}.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:17px}.form-control{display:flex;flex-direction:column;gap:6px}.form-control.full{grid-column:1/-1}.form-control label{color:var(--navy);font-size:.84rem;font-weight:800}.form-control input,.form-control select,.form-control textarea{width:100%;min-height:46px;padding:10px 12px;border:1px solid var(--gray-300);border-radius:10px;background:#fff;color:var(--text);outline:none}.form-control input:focus,.form-control select:focus,.form-control textarea:focus{border-color:var(--amber);box-shadow:0 0 0 3px rgba(245,158,11,.13)}.checkbox-row{display:flex;align-items:center;gap:9px;min-height:46px;padding:10px 12px;border:1px solid var(--gray-200);border-radius:10px;background:#F8FAFC}.checkbox-row input{width:auto;min-height:0}.calc-actions{display:flex;gap:10px;margin-top:22px}.calc-result{display:none;margin-top:24px;padding:23px;border-radius:16px;background:linear-gradient(125deg,var(--navy),#263E67);color:#fff}.calc-result.show{display:block}.calc-result h3{margin:0;color:#fff}.result-range{margin:8px 0;color:var(--amber);font-family:Manrope,sans-serif;font-size:clamp(2rem,5vw,3rem);font-weight:800}.result-sub{color:#C7D4E6;font-size:.87rem}.result-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-top:18px}.result-item{padding:13px;border-radius:11px;background:rgba(255,255,255,.08)}.result-item small{display:block;color:#C7D4E6}.result-item strong{display:block;margin-top:2px;font-size:1.05rem}.cost-note{margin-top:18px;padding:14px;border-radius:11px;background:#FFF8E7;border:1px solid #F8DEA1;color:#704B00;font-size:.85rem}.lead-form{margin-top:28px;padding:24px;border-radius:var(--radius-lg);background:#FFF8E7;border:1px solid #F6DB9A}.lead-form h3{margin-top:0}.lead-form p{color:var(--gray-600)}.lead-form .consent{font-size:.77rem;color:var(--gray-600)}.sidebar-stack{display:grid;gap:18px}.sidebar-card{padding:20px;background:#fff;border:1px solid var(--gray-200);border-radius:var(--radius);box-shadow:var(--shadow-sm)}.sidebar-card h3{margin:0 0 10px}.sidebar-list{margin:0;padding:0;list-style:none}.sidebar-list li+li{border-top:1px solid var(--gray-200)}.sidebar-list a{display:flex;justify-content:space-between;padding:10px 0;color:var(--text);text-decoration:none;font-weight:650;font-size:.88rem}.method-card{padding:22px;background:#fff;border:1px solid var(--gray-200);border-radius:var(--radius)}.method-card p{color:var(--gray-600)}.faq-item{margin:10px 0;overflow:hidden;border:1px solid var(--gray-200);border-radius:11px;background:#fff}.faq-item summary{padding:15px 18px;color:var(--navy);font-weight:800;cursor:pointer}.faq-body{padding:0 18px 16px;color:var(--gray-600)}.ad-wrap{margin:34px 0;text-align:center}.ad-label{display:block;margin-bottom:7px;color:var(--gray-400);font-size:.68rem;text-transform:uppercase;letter-spacing:.08em}.adsense-slot{display:flex;align-items:center;justify-content:center;width:100%;overflow:hidden;background:#FAFBFC}.table-wrap{overflow:auto;border:1px solid var(--gray-200);border-radius:var(--radius);background:#fff}.comparison-table{width:100%;min-width:680px;border-collapse:collapse}.comparison-table th,.comparison-table td{padding:13px 15px;border-bottom:1px solid var(--gray-200);text-align:left}.comparison-table th{background:#F1F5F9;color:var(--navy);font-size:.82rem}.notice{padding:14px 16px;border:1px solid #F1D08B;border-radius:10px;background:#FFF8E7;color:#694800}.notice.success{border-color:#A7E0C2;background:#ECFDF3;color:#10613E}.notice.danger{border-color:#FECACA;background:#FEF2F2;color:#991B1B}.article-layout{display:grid;grid-template-columns:minmax(0,780px) 300px;gap:48px}.article-dek{color:var(--gray-600);font-size:1.08rem}.article-meta{display:flex;flex-wrap:wrap;gap:12px;padding:17px 0 22px;border-bottom:1px solid var(--gray-200);color:var(--gray-600);font-size:.86rem}.takeaways,.toc,.info-box{margin:26px 0;padding:20px;border-radius:var(--radius)}.takeaways{background:#FFF8E7;border:1px solid #F5DB9C;border-left:4px solid var(--amber)}.toc{background:#fff;border:1px solid var(--gray-200)}.toc h2,.takeaways h2{margin:0 0 10px;font-size:1.16rem}.site-footer{background:#111F3A;color:#D8E2F1}.footer-grid{display:grid;grid-template-columns:1.35fr repeat(4,1fr);gap:30px;padding:52px 0 38px}.brand-footer{color:#fff}.brand-footer .brand-copy small{color:#AFC0D6}.footer-brand p{max-width:330px;color:#AFC0D6;font-size:.88rem}.footer-badges{display:flex;flex-wrap:wrap;gap:7px}.footer-badges span{padding:5px 8px;border-radius:999px;border:1px solid rgba(255,255,255,.12);color:#BFCDE0;font-size:.69rem}.footer-col h2{margin:0 0 11px;color:#fff;font-size:.9rem}.footer-col a{display:block;margin:7px 0;color:#C3D0E1;text-decoration:none;font-size:.84rem}.footer-col a:hover{color:#fff}.footer-bottom{padding:20px 0 25px;border-top:1px solid rgba(255,255,255,.11);color:#9FB1C8;font-size:.76rem}.footer-bottom p{margin:0 0 8px}.legal-doc{max-width:840px}.legal-doc p,.legal-doc li{color:var(--gray-600)}@media(max-width:1080px){.desktop-nav,.search-form,.header-cta{display:none}.menu-button{display:block}.header-inner{justify-content:space-between}.tool-grid{grid-template-columns:repeat(2,1fr)}.calc-layout,.article-layout{grid-template-columns:1fr}.calc-layout aside,.article-layout aside{display:none}.footer-grid{grid-template-columns:repeat(2,1fr)}.footer-brand{grid-column:1/-1}}@media(max-width:760px){.utility-bar{display:none}.container{width:min(calc(100% - 24px),var(--container))}.header-inner{min-height:66px}.brand-mark{width:40px;height:40px}.hero{padding:46px 0}.hero-grid{grid-template-columns:1fr;gap:28px}.hero-card{padding:20px}.section{padding:42px 0}.tool-grid,.card-grid,.trust-grid{grid-template-columns:1fr}.split-banner{grid-template-columns:1fr;padding:24px}.form-grid{grid-template-columns:1fr}.form-control.full{grid-column:auto}.result-grid{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr}.footer-brand{grid-column:auto}.section-head{align-items:flex-start;flex-direction:column}.calc-tool-body,.calc-tool-header{padding:20px}}
/* Backward-compatible component aliases used by the v1.0 finance pages. */
.grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}.card{padding:22px;background:#fff;border:1px solid var(--gray-200);border-radius:var(--radius);box-shadow:var(--shadow-sm)}.card-link{display:block;color:inherit;text-decoration:none}.card-link:hover .card{transform:translateY(-2px);box-shadow:var(--shadow)}.quick-card{padding:22px;background:#fff;border:1px solid var(--gray-200);border-radius:var(--radius);box-shadow:var(--shadow-sm)}.primary-button{display:inline-flex;align-items:center;justify-content:center;min-height:42px;padding:0 17px;border:0;border-radius:10px;background:var(--amber);color:var(--navy);font-weight:800;text-decoration:none}.secondary-button{display:inline-flex;align-items:center;justify-content:center;min-height:42px;padding:0 17px;border:1px solid var(--gray-300);border-radius:10px;background:#fff;color:var(--navy);font-weight:800;text-decoration:none}.field{margin-bottom:14px}.field label{display:block;margin-bottom:5px;color:var(--navy);font-size:.84rem;font-weight:800}.field input,.field select,.field textarea{width:100%;padding:10px 12px;border:1px solid var(--gray-300);border-radius:10px;background:#fff}.calculator-shell{display:grid;grid-template-columns:1fr 1fr;gap:24px}.calculator-panel{padding:24px}.range-row{display:grid;grid-template-columns:1fr 135px;gap:12px;align-items:center}.range-row input[type=range]{width:100%}.result-card{padding:15px;border-radius:11px;background:var(--gray-100)}.result-card small{display:block;color:var(--gray-600)}.result-card strong{font-size:1.18rem}.donut-wrap{display:flex;align-items:center;gap:24px;margin-top:22px}.donut{width:180px;height:180px}.legend{display:grid;gap:9px}.legend span{display:flex;align-items:center;gap:7px}.dot{width:12px;height:12px;border-radius:50%;background:#225DA8}.dot.interest{background:#10B981}.help{color:var(--gray-600);font-size:.82rem}.sidebar-inner{position:sticky;top:102px}@media(max-width:1080px){.grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:760px){.grid,.calculator-shell{grid-template-columns:1fr}.range-row{grid-template-columns:1fr}.donut-wrap{flex-direction:column;align-items:flex-start}}

/* v1.2 localization */
.sr-only{position:absolute!important;width:1px!important;height:1px!important;padding:0!important;margin:-1px!important;overflow:hidden!important;clip:rect(0,0,0,0)!important;white-space:nowrap!important;border:0!important}
.currency-control{display:flex;align-items:center}.currency-control select{height:40px;min-width:104px;padding:0 28px 0 10px;border:1px solid var(--gray-200);border-radius:9px;background:#fff;color:var(--navy);font-size:.78rem;font-weight:800;outline:none;cursor:pointer}.currency-control select:focus{border-color:var(--amber);box-shadow:0 0 0 3px rgba(245,158,11,.13)}
.currency-note{display:flex;gap:10px;align-items:flex-start;margin:0 0 18px;padding:12px 14px;border-radius:11px;background:#F8FAFC;border:1px solid var(--gray-200);color:var(--gray-600);font-size:.82rem}.currency-note strong{color:var(--navy)}
@media(max-width:1080px){.currency-control{margin-left:auto}.header-actions{gap:8px}}
@media(max-width:520px){.currency-control select{min-width:88px;max-width:96px;padding-left:7px;font-size:.72rem}.brand-copy small{display:none}}

/* ePortalHub v1.2.1 — location-aware currency feedback */
.geo-toast{position:fixed;left:50%;bottom:22px;z-index:5000;max-width:min(560px,calc(100vw - 28px));padding:12px 16px;border:1px solid rgba(255,255,255,.16);border-radius:12px;background:#1B2B4B;color:#fff;box-shadow:0 12px 36px rgba(27,43,75,.22);font:600 14px/1.45 Inter,system-ui,sans-serif;opacity:0;transform:translate(-50%,14px);pointer-events:none;transition:opacity .18s ease,transform .18s ease}.geo-toast.show{opacity:1;transform:translate(-50%,0)}.geo-toast.error{background:#7F1D1D}.location-privacy-note{margin-top:10px;color:#64748B;font-size:.82rem}.location-privacy-note strong{color:#334155}