:root{
  --bg:#fffaf7;--bg-soft:#fff1ea;--card:#ffffff;--ink:#2b1f1c;--muted:#776763;--line:#eadbd5;
  --primary:#d96b5f;--primary-dark:#b64e43;--secondary:#8762d4;--accent:#f7b267;--green:#6aa77a;
  --shadow:0 18px 50px rgba(95,55,45,.13);--radius:24px;--radius-sm:16px;--max:1120px
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:radial-gradient(circle at top left,#fff1dc 0,#fffaf7 34%,#fff 100%);line-height:1.65}a{color:inherit;text-decoration:none}img{max-width:100%;height:auto}.container{width:min(var(--max),calc(100% - 32px));margin:auto}.site-header{position:sticky;top:0;z-index:20;background:rgba(255,250,247,.86);backdrop-filter:blur(18px);border-bottom:1px solid rgba(234,219,213,.7)}.nav{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:14px 0}.brand{display:flex;align-items:center;gap:10px;font-weight:900;letter-spacing:-.03em}.brand-mark{width:38px;height:38px;border-radius:14px;background:linear-gradient(135deg,var(--primary),var(--accent));display:grid;place-items:center;color:#fff;box-shadow:0 12px 30px rgba(217,107,95,.25)}.nav-links{display:flex;gap:22px;align-items:center;color:var(--muted);font-weight:700;font-size:.94rem}.btn,.btn-secondary,.btn-ghost{display:inline-flex;align-items:center;justify-content:center;gap:9px;border-radius:999px;padding:13px 19px;font-weight:850;border:1px solid transparent;cursor:pointer;transition:.2s transform,.2s box-shadow,.2s background}.btn{background:linear-gradient(135deg,var(--primary),#e98a69);color:white;box-shadow:0 12px 26px rgba(217,107,95,.25)}.btn:hover,.btn-secondary:hover,.btn-ghost:hover{transform:translateY(-1px)}.btn-secondary{background:#fff;color:var(--primary-dark);border-color:var(--line);box-shadow:0 10px 26px rgba(100,60,40,.08)}.btn-ghost{background:transparent;color:var(--muted);border-color:var(--line)}.hero{padding:74px 0 46px}.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center}.eyebrow{display:inline-flex;align-items:center;gap:8px;background:#fff;border:1px solid var(--line);border-radius:999px;padding:8px 12px;font-weight:800;color:var(--primary-dark);font-size:.9rem;box-shadow:0 8px 24px rgba(80,50,40,.06)}h1,h2,h3{line-height:1.08;letter-spacing:-.055em;margin:0 0 18px}h1{font-size:clamp(2.55rem,7vw,5.35rem)}h2{font-size:clamp(2rem,4vw,3.25rem)}h3{font-size:1.35rem}.lead{font-size:1.2rem;color:var(--muted);max-width:720px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin:30px 0}.trust-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:22px}.pill{display:inline-flex;align-items:center;gap:7px;border:1px solid var(--line);background:rgba(255,255,255,.68);border-radius:999px;padding:8px 12px;color:var(--muted);font-weight:750;font-size:.9rem}.hero-card{background:rgba(255,255,255,.78);border:1px solid var(--line);border-radius:34px;box-shadow:var(--shadow);padding:22px;position:relative;overflow:hidden}.hero-card:before{content:"";position:absolute;inset:-80px -80px auto auto;width:210px;height:210px;background:radial-gradient(circle,#ffd1b4,transparent 70%);opacity:.75}.budget-preview{position:relative;display:grid;gap:14px}.metric{background:#fff;border:1px solid var(--line);border-radius:22px;padding:18px}.metric span{display:block;color:var(--muted);font-weight:800;font-size:.82rem;text-transform:uppercase;letter-spacing:.06em}.metric strong{display:block;font-size:1.65rem;letter-spacing:-.04em;margin-top:4px}.bar{height:10px;background:#f4e5de;border-radius:999px;overflow:hidden;margin-top:10px}.bar i{display:block;height:100%;background:linear-gradient(90deg,var(--primary),var(--accent));border-radius:inherit}.section{padding:64px 0}.section-soft{background:linear-gradient(180deg,rgba(255,241,234,.5),rgba(255,255,255,.35));border-top:1px solid rgba(234,219,213,.55);border-bottom:1px solid rgba(234,219,213,.55)}.section-head{display:flex;justify-content:space-between;gap:24px;align-items:end;margin-bottom:28px}.section-head p{max-width:620px;color:var(--muted);margin:0}.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}.card{background:rgba(255,255,255,.86);border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:0 12px 34px rgba(90,55,40,.08)}.card-icon{width:46px;height:46px;border-radius:16px;background:var(--bg-soft);display:grid;place-items:center;font-size:1.3rem;margin-bottom:16px}.muted{color:var(--muted)}.article-list{display:grid;gap:14px}.article-link{display:flex;justify-content:space-between;gap:14px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:18px;padding:16px 18px;font-weight:850}.article-link span{color:var(--muted);font-weight:700;font-size:.92rem}.cta-band{background:linear-gradient(135deg,#2b1f1c,#5b3932);color:#fff;border-radius:34px;padding:38px;display:grid;grid-template-columns:1.1fr .9fr;gap:20px;align-items:center;box-shadow:var(--shadow)}.cta-band p{color:rgba(255,255,255,.75)}.site-footer{padding:36px 0;color:var(--muted);border-top:1px solid var(--line);background:#fff}.footer-grid{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}.breadcrumb{font-size:.92rem;color:var(--muted);padding-top:28px}.page-hero{padding:48px 0 24px}.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 310px;gap:36px;align-items:start}.article-content{background:#fff;border:1px solid var(--line);border-radius:30px;padding:34px;box-shadow:0 12px 34px rgba(80,50,40,.06)}.article-content h2{font-size:2rem;margin-top:38px}.article-content h3{margin-top:28px}.article-content p,.article-content li{color:#574945}.article-content table{width:100%;border-collapse:collapse;margin:22px 0;border-radius:16px;overflow:hidden}.article-content th,.article-content td{padding:13px;border-bottom:1px solid var(--line);text-align:left}.article-content th{background:var(--bg-soft)}.note{border-left:4px solid var(--primary);background:#fff6f2;padding:16px;border-radius:14px;color:#5c4944}.sidebar{position:sticky;top:88px;display:grid;gap:16px}.simulator-shell{display:grid;grid-template-columns:340px minmax(0,1fr);gap:22px;align-items:start}.progress-card{background:#fff;border:1px solid var(--line);border-radius:26px;padding:22px;box-shadow:0 12px 34px rgba(90,55,40,.08);position:sticky;top:88px}.progress-line{height:8px;background:#f2e3dd;border-radius:999px;overflow:hidden;margin:16px 0}.progress-line span{display:block;height:100%;width:20%;background:linear-gradient(90deg,var(--primary),var(--accent));border-radius:inherit;transition:.25s}.steps-list{display:grid;gap:10px;margin-top:18px}.step-pill{padding:10px 12px;border-radius:14px;background:#fff7f3;color:var(--muted);font-weight:800}.step-pill.active{background:linear-gradient(135deg,var(--primary),#e98a69);color:#fff}.sim-card{background:#fff;border:1px solid var(--line);border-radius:30px;padding:28px;box-shadow:var(--shadow)}.step{display:none}.step.active{display:block}.options{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin:24px 0}.option{border:1px solid var(--line);border-radius:18px;padding:16px;background:#fff;cursor:pointer;font-weight:850;color:#3b2a26;transition:.18s}.option small{display:block;color:var(--muted);font-weight:650;margin-top:4px}.option:hover,.option.selected{border-color:rgba(217,107,95,.8);background:#fff5ef;box-shadow:0 10px 26px rgba(217,107,95,.12)}.checkbox-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;margin:22px 0}.check{display:flex;gap:10px;align-items:center;padding:13px;border:1px solid var(--line);border-radius:16px;background:#fff}.check input{accent-color:var(--primary)}.sim-actions{display:flex;justify-content:space-between;gap:12px;margin-top:26px}.result{display:none}.result.show{display:block}.result-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:22px 0}.result-metric{background:#fff7f3;border:1px solid var(--line);border-radius:20px;padding:18px}.result-metric span{display:block;color:var(--muted);font-size:.8rem;text-transform:uppercase;letter-spacing:.06em;font-weight:850}.result-metric strong{font-size:1.45rem;letter-spacing:-.04em}.checklist{display:grid;gap:10px;margin:20px 0}.checklist-item{display:flex;justify-content:space-between;gap:12px;border:1px solid var(--line);border-radius:16px;padding:13px;background:#fff}.badge{display:inline-flex;align-items:center;border-radius:999px;background:#efe8ff;color:#5a3fb0;font-weight:850;padding:5px 9px;font-size:.78rem;white-space:nowrap}.source-list a{text-decoration:underline;text-underline-offset:3px}.faq details{background:#fff;border:1px solid var(--line);border-radius:18px;padding:16px 18px;margin:12px 0}.faq summary{font-weight:900;cursor:pointer}.tiny{font-size:.88rem;color:var(--muted)}
@media (max-width:900px){.nav-links{display:none}.hero-grid,.grid-3,.grid-2,.cta-band,.article-layout,.simulator-shell{grid-template-columns:1fr}.section-head{display:block}.hero{padding-top:42px}.sidebar,.progress-card{position:static}.article-content{padding:24px}.options,.checkbox-grid,.result-grid{grid-template-columns:1fr}.cta-band{padding:28px}.footer-grid{display:grid}.sim-actions{position:sticky;bottom:0;background:rgba(255,250,247,.92);backdrop-filter:blur(16px);padding:12px;margin:18px -12px -12px;border-top:1px solid var(--line)}}
.update-meta{color:var(--muted);font-size:.94rem;font-weight:800;margin:14px 0}.article-content th,.article-content td{vertical-align:top}.option{min-height:76px;text-align:left}.checklist,.advice-list{display:grid;gap:10px;margin:20px 0}.advice-item{display:block;border:1px solid var(--line);border-radius:16px;padding:13px;background:#fff;color:#574945}
@media (max-width:900px){.article-content{overflow:hidden}.article-content table{display:block;overflow-x:auto;white-space:nowrap}.article-link,.checklist-item{align-items:flex-start}.btn,.btn-secondary,.btn-ghost{min-height:48px;padding:13px 17px}}
@media (max-width:520px){.container{width:min(var(--max),calc(100% - 24px))}h1{font-size:2.45rem}h2{font-size:1.85rem}.lead{font-size:1.06rem}.hero-actions{display:grid}.hero-actions .btn,.hero-actions .btn-secondary{width:100%}.article-content{padding:20px}.sim-card{padding:22px}.badge{white-space:normal;text-align:right}.result-metric strong{font-size:1.3rem}.cta-band{border-radius:24px}}
.guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.guide-card{display:grid;gap:6px;background:#fff;border:1px solid var(--line);border-radius:18px;padding:18px;box-shadow:0 10px 26px rgba(90,55,40,.06)}.guide-card strong{font-size:1.05rem;line-height:1.2}.guide-card span{color:var(--muted);font-size:.94rem}.article-cta{background:#fff7f3;border:1px solid var(--line);border-radius:22px;padding:22px;margin:28px 0;display:grid;gap:10px}.article-cta p{margin:0}.article-cta .btn-secondary{width:max-content}.internal-links{background:#fffaf7;border:1px solid var(--line);border-radius:16px;padding:14px;margin-top:28px}.internal-links a{text-decoration:underline;text-underline-offset:3px}
.breadcrumb a{text-decoration:underline;text-underline-offset:3px}.related-guides{background:#fffaf7;border:1px solid var(--line);border-radius:22px;padding:22px;margin:30px 0}.related-guides h2{font-size:1.65rem;margin-top:0}.related-links{display:flex;flex-wrap:wrap;gap:10px;margin-top:14px}.related-links a{display:inline-flex;align-items:center;border:1px solid var(--line);border-radius:999px;background:#fff;padding:9px 13px;font-weight:850;color:var(--primary-dark)}.hub-sections{display:grid;gap:34px}.hub-category{padding-top:6px}.hub-category h2{font-size:1.65rem;margin-bottom:14px}.hub-category .guide-grid{margin-bottom:4px}
@media (max-width:900px){.guide-grid{grid-template-columns:repeat(2,1fr)}.article-cta .btn,.article-cta .btn-secondary{width:100%}}
@media (max-width:620px){.guide-grid{grid-template-columns:1fr}}
a:focus-visible,button:focus-visible,input:focus-visible{outline:3px solid rgba(135,98,212,.75);outline-offset:3px}.btn:focus-visible,.btn-secondary:focus-visible,.btn-ghost:focus-visible,.option:focus-visible{box-shadow:0 0 0 4px rgba(135,98,212,.18),0 12px 26px rgba(217,107,95,.18)}button,input{font:inherit}.check input{min-width:18px;min-height:18px}.article-content a:not(.btn):not(.btn-secondary),.sidebar a:not(.btn):not(.btn-secondary){text-decoration:underline;text-underline-offset:3px}.brand,.article-link,.guide-card,.btn,.btn-secondary,.btn-ghost,.option{-webkit-tap-highlight-color:transparent}
@media (prefers-reduced-motion:reduce){*,*::before,*::after{scroll-behavior:auto!important;transition:none!important;animation:none!important}.btn:hover,.btn-secondary:hover,.btn-ghost:hover{transform:none}}
.result-status{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin:18px 0}.result-status>div{background:#fff;border:1px solid var(--line);border-radius:18px;padding:16px}.result-status span{display:block;color:var(--muted);font-size:.8rem;text-transform:uppercase;letter-spacing:.06em;font-weight:850}.result-status strong{display:block;font-size:1.2rem}.savings-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;margin:20px 0}.saving-item{display:grid;gap:4px;text-align:left;background:#fff;border:1px solid var(--line);border-radius:16px;padding:14px;color:var(--ink);cursor:pointer}.saving-item span{color:#574945}.lead-magnet,.soft-monetization{background:#fffaf7;border:1px solid var(--line);border-radius:22px;padding:20px;margin:24px 0}.lead-magnet .btn-secondary[aria-disabled="true"]{opacity:.72;cursor:not-allowed}.copy-fallback textarea{width:100%;min-height:190px;border:1px solid var(--line);border-radius:16px;padding:14px;font:inherit;color:var(--ink);background:#fff}.result-actions{align-items:stretch}.print-check-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}.print-check-grid section{border:1px solid var(--line);border-radius:18px;padding:16px;background:#fff}.print-check-grid h2{font-size:1.4rem;margin-top:0}.print-check-grid label{display:flex;gap:10px;align-items:flex-start;padding:7px 0;color:#574945}.print-check-grid input{margin-top:5px}.printable-checklist .article-cta{break-inside:avoid}
.intent-grid{display:flex;flex-wrap:wrap;gap:8px;margin:12px 0}.intent-grid button{border:1px solid var(--line);border-radius:999px;background:#fff;color:var(--primary-dark);padding:9px 12px;font-weight:800;cursor:pointer}.intent-grid button:hover,.saving-item:hover{border-color:rgba(217,107,95,.8);background:#fff5ef}
.newsletter-card{background:#fff;border:1px solid var(--line);border-radius:24px;padding:24px;margin:28px 0;box-shadow:0 12px 34px rgba(90,55,40,.08)}.newsletter-card h2,.newsletter-card h3{margin-bottom:10px}.newsletter-form{display:grid;gap:14px;margin-top:18px}.form-field{display:grid;gap:7px}.form-field label,.consent-row{font-weight:850;color:#3b2a26}.form-field input[type=email]{width:100%;min-height:50px;border:1px solid var(--line);border-radius:16px;padding:12px 14px;background:#fff;color:var(--ink);font:inherit}.form-field input[type=email]::placeholder{color:#aa9891}.consent-row{display:flex;gap:10px;align-items:flex-start;line-height:1.45}.consent-row input{min-width:19px;min-height:19px;margin-top:3px;accent-color:var(--primary)}.newsletter-message{min-height:24px;margin:2px 0 0;font-weight:850}.newsletter-message.is-success{color:#326f43}.newsletter-message.is-error{color:#a33b33}.form-privacy-note{font-size:.9rem;color:var(--muted);margin:0}.form-privacy-note a{text-decoration:underline;text-underline-offset:3px}.hp-field{position:absolute;left:-9999px;width:1px;height:1px;opacity:0;pointer-events:none}.newsletter-form button[type=submit]{justify-self:start}.newsletter-form button[disabled],.newsletter-form button[data-loading="true"]{opacity:.72;cursor:wait;transform:none}.newsletter-card.compact{box-shadow:none;background:#fffaf7}
@media (max-width:620px){.newsletter-card{padding:20px}.newsletter-form button[type=submit]{width:100%;min-height:50px}.consent-row{font-size:.95rem}}
@media (max-width:700px){.result-status,.savings-grid,.print-check-grid{grid-template-columns:1fr}.result-actions{display:grid}.result-actions .btn,.result-actions .btn-secondary{width:100%}}
.quick-answer{border-left:4px solid var(--green);background:#f0f7f3;padding:16px 20px;border-radius:14px;color:#2d4a35;margin:18px 0 26px}.caution-box{border-left:4px solid #e0993a;background:#fff8ef;padding:16px 20px;border-radius:14px;color:#5c4430;margin:0 0 22px}
.spending-grid,.profile-recommendations{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:18px 0}.spending-card{display:grid;gap:6px;background:#fff;border:1px solid var(--line);border-radius:18px;padding:16px;color:var(--ink);box-shadow:0 10px 26px rgba(90,55,40,.05)}.spending-card strong{line-height:1.2}.spending-card span{color:var(--muted);font-size:.94rem}.spending-card:hover{border-color:rgba(217,107,95,.8);background:#fff7f3}.intent-links,.resource-hub,.premium-teaser{margin:26px 0}.soft-product-card{min-height:126px}.premium-teaser .spending-card{background:#fffaf7}
.container.resource-hub{width:min(var(--max),calc(100% - 32px));margin:26px auto}.resource-hub .section-head h2,.hub-category h2{font-size:1.8rem;letter-spacing:-.035em}.hub-category{max-width:100%}
.pricing-card{background:#fff;border:1px solid var(--line);border-radius:28px;padding:26px;box-shadow:var(--shadow);display:grid;gap:12px}.pricing-card strong{font-size:2.6rem;line-height:1;color:var(--primary-dark)}.premium-badge{background:#fff7f3;border-color:rgba(217,107,95,.28);color:var(--primary-dark)}.pack-feature-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin:20px 0}.pack-feature-card,.download-card{display:grid;gap:6px;background:#fff;border:1px solid var(--line);border-radius:18px;padding:16px}.pack-feature-card span,.download-card span{color:var(--muted)}.secure-payment-note,.guarantee-note,.legal-note{background:#fff7f3;border:1px solid var(--line);border-left:4px solid var(--primary);border-radius:18px;padding:16px;margin:20px 0;color:#574945}.download-list{display:grid;gap:12px;margin:20px 0}.download-card:hover{border-color:rgba(217,107,95,.8);background:#fff7f3}
@media (max-width:900px){.spending-grid,.profile-recommendations{grid-template-columns:repeat(2,1fr)}}
@media (max-width:620px){.spending-grid,.profile-recommendations,.pack-feature-grid{grid-template-columns:1fr}.soft-product-card{min-height:0}.pricing-card strong{font-size:2.2rem}}
@media (max-width:620px){.container.resource-hub{width:min(var(--max),calc(100% - 24px))}.resource-hub .section-head h2,.hub-category h2{font-size:1.45rem}}
@media print{body{background:#fff;color:#111}.site-header,.site-footer,.progress-card,.sim-actions,.result-actions,.hero-actions,.sidebar,.breadcrumb,.lead-magnet,.newsletter-card{display:none!important}.container{width:100%;max-width:none}.section,.page-hero{padding:0}.simulator-shell,.article-layout{display:block}.sim-card,.article-content{box-shadow:none;border:0;border-radius:0;padding:0}.result{display:block!important}.printable-result,.printable-checklist{display:block!important}.result-grid,.result-status,.savings-grid,.print-check-grid{break-inside:avoid}.result-grid{grid-template-columns:repeat(3,1fr)}.savings-grid,.print-check-grid{grid-template-columns:repeat(2,1fr)}.note,.advice-item,.checklist-item,.saving-item,.print-check-grid section{break-inside:avoid;background:#fff;border-color:#bbb}a{text-decoration:none;color:#111}h1{font-size:2rem}h2{font-size:1.6rem}h3{font-size:1.1rem}.badge{border:1px solid #bbb;color:#111;background:#fff}}