:root {
  --ink: #16332c;
  --ink-soft: #48635c;
  --green: #175f4b;
  --green-dark: #104737;
  --mint: #e7f2ed;
  --mint-light: #f4f8f6;
  --gold: #d9ad59;
  --cream: #faf9f5;
  --white: #ffffff;
  --line: #d8e3de;
  --shadow: 0 16px 44px rgba(22, 51, 44, 0.09);
  --radius: 18px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  color: var(--ink);
  background: var(--cream);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 17px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

a { color: inherit; }
button, input { font: inherit; }

.container { width: min(1140px, calc(100% - 40px)); margin-inline: auto; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  background: rgba(250, 249, 245, 0.94);
  border-bottom: 1px solid rgba(216, 227, 222, 0.8);
  backdrop-filter: blur(12px);
}

.header-inner { min-height: 76px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand { display: inline-flex; align-items: center; gap: 11px; text-decoration: none; font-size: 23px; font-weight: 750; letter-spacing: -0.03em; }
.brand-mark { display: grid; place-items: center; width: 38px; height: 38px; border-radius: 50% 50% 50% 8px; color: var(--white); background: var(--green); font-family: Georgia, serif; }
.header-link { color: var(--green); font-weight: 700; text-underline-offset: 5px; }

.hero { padding: 92px 0 84px; background: radial-gradient(circle at 86% 25%, #dcece5 0, transparent 30%), linear-gradient(135deg, var(--cream), #f0f6f2); }
.hero-intro-block { max-width: 800px; margin-bottom: 48px; }
.hero-options-grid { display: grid; grid-template-columns: minmax(0, 1.65fr) minmax(280px, .75fr); gap: clamp(28px, 4vw, 52px); align-items: start; }
.hero-options .section-heading { display: block; margin-bottom: 38px; }
.hero-options .section-summary { max-width: 680px; }
.hero-options .section-summary > p:first-child { margin-top: 14px; }
.eyebrow { margin: 0 0 15px; color: var(--green); font-size: 14px; font-weight: 800; letter-spacing: 0.08em; text-transform: uppercase; }
h1, h2, h3 { margin-top: 0; line-height: 1.16; letter-spacing: -0.035em; }
h1 { max-width: 760px; margin-bottom: 24px; font-family: Georgia, "Times New Roman", serif; font-size: clamp(44px, 6vw, 72px); font-weight: 500; }
h2 { margin-bottom: 18px; font-family: Georgia, "Times New Roman", serif; font-size: clamp(32px, 4vw, 46px); font-weight: 500; }
h3 { font-size: 25px; }
.hero-intro, .section-lead { max-width: 680px; color: var(--ink-soft); font-size: clamp(19px, 2vw, 22px); }
.hero-intro { margin: 0 0 34px; }
.button { display: inline-flex; min-height: 52px; align-items: center; justify-content: center; padding: 12px 22px; border: 0; border-radius: 9px; font-weight: 750; text-align: center; text-decoration: none; cursor: pointer; transition: transform 160ms ease, background 160ms ease; }
.button:hover:not(:disabled) { transform: translateY(-2px); }
.button-primary { color: var(--white); background: var(--green); box-shadow: 0 8px 24px rgba(23, 95, 75, 0.18); }
.button-primary:hover { background: var(--green-dark); }
.button-secondary { width: 100%; color: var(--green); background: var(--mint); }
.button:disabled { cursor: not-allowed; opacity: 0.72; }
.trust-panel { padding: 32px; border: 1px solid rgba(23, 95, 75, 0.13); border-radius: var(--radius); background: rgba(255,255,255,0.76); box-shadow: var(--shadow); }
.trust-title { margin: 0 0 18px; font-size: 21px; font-weight: 800; }
.check-list { display: grid; gap: 18px; margin: 0; padding: 0; list-style: none; }
.check-list li { position: relative; padding-left: 34px; }
.check-list li::before { content: "✓"; position: absolute; left: 0; top: 1px; display: grid; place-items: center; width: 23px; height: 23px; border-radius: 50%; color: var(--green); background: var(--mint); font-size: 13px; font-weight: 900; }

.section { padding: 92px 0; }
.section-heading { display: flex; justify-content: space-between; gap: 45px; align-items: end; margin-bottom: 38px; }
.section-heading h2 { margin-bottom: 0; }
.section-heading > p { max-width: 410px; margin: 0 0 5px; color: var(--ink-soft); }
.affiliate-disclosure {
  margin: -12px 0 28px;
  padding: 17px 20px;
  border: 1px solid var(--line);
  border-radius: 12px;
  background: var(--mint-light);
}
.affiliate-disclosure strong { color: var(--green); }
.affiliate-disclosure p { margin: 4px 0 0; color: var(--ink-soft); font-size: 15px; }
.section-summary { max-width: 520px; }
.section-summary > p:first-child { margin-top: 0; }
.freshness-note { display: flex; align-items: center; gap: 8px; margin: 10px 0 0; color: var(--green); font-size: 14px; font-weight: 750; }

.sponsored-option {
  margin-top: 28px;
  padding: 30px;
  border: 1px solid #cbd8ce;
  border-radius: 18px;
  background: #f7faf7;
}
.savings-options { display: grid; gap: 28px; }
.featured-option { border-top: 4px solid var(--gold); padding-top: 27px; }
.term-note { padding: 14px 16px; border-left: 3px solid var(--gold); background: #fff; color: var(--ink-soft); }
.risk-note { padding: 14px 16px; border-left: 3px solid #9a6840; background: #fff8ef; color: var(--ink-soft); }

.sponsored-heading {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 24px;
  margin-bottom: 16px;
}

.sponsored-heading h2 { margin: 4px 0 0; }
.ad-label { margin: 0; color: var(--green); font-size: 13px; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.sponsored-rate { margin: 0; text-align: right; white-space: nowrap; }
.sponsored-rate strong { display: block; color: var(--green); font-size: 30px; }
.sponsored-rate span { display: block; color: var(--ink-soft); font-size: 13px; }
.sponsored-facts { display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; margin: 22px 0; }
.sponsored-facts div { padding: 14px; border-radius: 12px; background: #fff; }
.sponsored-facts dt { margin-bottom: 5px; color: var(--ink-soft); font-size: 13px; }
.sponsored-facts dd { margin: 0; font-weight: 700; }
.ad-explanation { padding: 14px 16px; border-left: 3px solid var(--green); background: #fff; color: var(--ink-soft); }
.source-note { margin: 12px 0 0; color: var(--ink-soft); font-size: 13px; }
.option-actions { display: flex; flex-wrap: wrap; align-items: center; gap: 12px; }
.affiliate-cta {
  flex: 1 1 360px;
  min-height: 58px;
  padding-inline: 26px;
  background: #08704f;
  box-shadow: 0 10px 26px rgba(8, 112, 79, 0.24);
  font-size: 18px;
}
.affiliate-cta:hover { background: #05583e; }
.affiliate-cta span { margin-left: 8px; font-size: 22px; line-height: 1; }
.rate-shortcut {
  min-height: 52px;
  padding: 11px 18px;
  border: 1px solid var(--green);
  border-radius: 9px;
  color: var(--green);
  background: transparent;
  font-weight: 750;
  cursor: pointer;
}
.rate-shortcut:hover { background: var(--mint); }
.rate-shortcut:focus-visible { outline: 3px solid rgba(217, 173, 89, .65); outline-offset: 3px; }

@media (max-width: 760px) {
  .sponsored-heading { display: block; }
  .sponsored-rate { margin-top: 14px; text-align: left; }
  .sponsored-facts { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 480px) {
  .sponsored-option { padding: 22px; }
  .sponsored-facts { grid-template-columns: 1fr; }
  .option-actions { align-items: stretch; }
  .option-actions .button, .rate-shortcut { width: 100%; }
}
.account-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.account-card { padding: 28px; border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); box-shadow: 0 8px 28px rgba(22, 51, 44, 0.05); }
.account-card.featured { border-top: 4px solid var(--gold); padding-top: 25px; }
.card-label { display: inline-block; margin: 0 0 18px; padding: 4px 10px; border-radius: 999px; color: var(--green); background: var(--mint); font-size: 13px; font-weight: 800; }
.account-card h3 { margin-bottom: 5px; }
.account-type { min-height: 54px; margin: 0; color: var(--ink-soft); font-size: 15px; }
.rate-list { display: grid; grid-template-columns: repeat(3, 1fr); gap: 6px; margin-top: 20px; }
.rate-list div { padding: 10px 7px; border-radius: 8px; background: var(--mint-light); text-align: center; }
.rate-list span, .rate-list strong { display: block; }
.rate-list span { color: var(--ink-soft); font-size: 12px; }
.rate-list strong { color: var(--green); font-size: 17px; }
.rate-highlight { display: flex; align-items: end; justify-content: space-between; gap: 12px; margin-top: 20px; padding: 13px 15px; border-radius: 8px; background: var(--mint-light); }
.rate-highlight span { color: var(--ink-soft); font-size: 13px; }
.rate-highlight strong { color: var(--green); font-size: 24px; line-height: 1; }
.account-facts { margin: 25px 0; border-top: 1px solid var(--line); }
.account-facts div { display: grid; grid-template-columns: 0.8fr 1.2fr; gap: 12px; padding: 13px 0; border-bottom: 1px solid var(--line); }
.account-facts dt { color: var(--ink-soft); font-size: 14px; }
.account-facts dd { margin: 0; font-size: 14px; font-weight: 700; }
.comparison-note { margin-top: 28px; padding: 24px 28px; border: 1px solid var(--line); border-radius: 12px; background: var(--mint-light); }
.comparison-note > p { margin: 7px 0 0; color: var(--ink-soft); font-size: 14px; }
.source-links { display: flex; flex-wrap: wrap; gap: 18px; }
.source-links a { color: var(--green); font-weight: 750; text-underline-offset: 4px; }

.calculator-section { background: var(--green-dark); color: var(--white); }
.calculator-section .eyebrow { color: #a8d7c8; }
.calculator-section .section-lead { color: #d2e3dd; }
.calculator-grid { display: grid; grid-template-columns: 1.15fr 0.85fr; gap: clamp(45px, 8vw, 100px); align-items: center; }
.calculator { display: grid; grid-template-columns: 1.35fr 0.85fr; gap: 18px; margin-top: 34px; }
.field { min-width: 0; }
.field label { display: block; margin-bottom: 7px; font-weight: 750; }
.field small { display: block; margin-top: 6px; color: #bcd1ca; font-size: 13px; }
.input-with-suffix { display: flex; align-items: center; overflow: hidden; border: 2px solid transparent; border-radius: 9px; background: var(--white); }
.input-with-suffix:focus-within { border-color: var(--gold); }
.input-with-suffix input { width: 100%; min-width: 0; padding: 13px 4px 13px 15px; border: 0; outline: 0; color: var(--ink); background: transparent; font-size: 18px; font-weight: 700; }
.input-with-suffix span { padding: 0 15px 0 8px; color: var(--ink-soft); font-weight: 700; }
.calculator .button { grid-column: 1 / -1; justify-self: start; color: var(--ink); background: var(--gold); box-shadow: none; }
.form-error { display: none; grid-column: 1 / -1; margin: 0; color: #ffd6d0; font-weight: 700; }
.form-error:not(:empty) { display: block; }
.result-card { padding: clamp(30px, 5vw, 48px); border: 1px solid rgba(255,255,255,0.14); border-radius: var(--radius); background: rgba(255,255,255,0.08); }
.result-label { margin: 0; color: #bcd1ca; font-weight: 700; }
.result-value { margin: 10px 0; color: #f3ca79; font-family: Georgia, serif; font-size: clamp(42px, 6vw, 64px); line-height: 1.1; letter-spacing: -0.04em; }
.result-card > p:nth-child(3) { margin: 0 0 25px; }
.result-note { padding-top: 20px; border-top: 1px solid rgba(255,255,255,0.16); color: #bcd1ca; font-size: 14px; }
.example-wrap { margin-top: 70px; }
.example-wrap h3 { margin-bottom: 7px; }
.example-wrap > p { margin-top: 0; color: #bcd1ca; }
.example-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 10px; margin-top: 22px; }
.example-grid div { padding: 16px; border: 1px solid rgba(255,255,255,0.12); border-radius: 10px; background: rgba(255,255,255,0.06); }
.example-grid span, .example-grid strong { display: block; }
.example-grid span { color: #bcd1ca; font-size: 14px; }
.example-grid strong { margin-top: 3px; color: var(--white); }

.info-section { background: var(--white); }
.info-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.info-grid article { padding: 30px 28px; border-left: 1px solid var(--line); }
.info-number { display: block; margin-bottom: 22px; color: var(--gold); font-weight: 850; letter-spacing: 0.1em; }
.info-grid h2 { min-height: 82px; font-size: 31px; }
.info-grid p { color: var(--ink-soft); }
.fine-print { padding-top: 15px; border-top: 1px solid var(--line); font-size: 14px; }

.site-footer { padding: 54px 0; color: #d5e4df; background: #0d3027; }
.footer-grid { display: grid; grid-template-columns: 0.65fr 1.35fr; gap: 70px; }
.brand-footer { color: var(--white); }
.brand-footer + p { margin: 12px 0 0; }
.disclaimer { padding-left: 30px; border-left: 1px solid rgba(255,255,255,0.18); }
.disclaimer strong { color: var(--white); }
.disclaimer p { margin: 7px 0 0; font-size: 14px; }

.consent-banner {
  position: fixed;
  z-index: 30;
  right: 22px;
  bottom: 22px;
  left: 22px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
  width: min(920px, calc(100% - 44px));
  margin-inline: auto;
  padding: 20px 22px;
  border: 1px solid var(--line);
  border-radius: 14px;
  background: var(--white);
  box-shadow: 0 18px 55px rgba(13, 48, 39, 0.22);
}
.consent-banner[hidden] { display: none; }
.consent-banner strong { color: var(--ink); font-size: 17px; }
.consent-banner p { margin: 4px 0 0; color: var(--ink-soft); font-size: 14px; line-height: 1.45; }
.consent-actions { display: flex; flex: 0 0 auto; gap: 9px; }
.consent-decline { color: var(--green); background: var(--mint-light); }

@media (max-width: 900px) {
  .hero-options-grid, .calculator-grid { grid-template-columns: 1fr; }
  .account-grid { grid-template-columns: 1fr; }
  .account-type { min-height: 0; }
  .info-grid { grid-template-columns: 1fr; }
  .info-grid article { border-left: 0; border-top: 1px solid var(--line); }
  .info-grid h2 { min-height: 0; }
  .example-grid { grid-template-columns: repeat(3, 1fr); }
}

@media (max-width: 620px) {
  body { font-size: 16px; }
  .container { width: min(100% - 28px, 1140px); }
  .site-header { position: static; }
  .header-inner { min-height: 68px; }
  .header-link { font-size: 14px; }
  .hero { padding: 56px 0 62px; }
  .hero-intro-block { margin-bottom: 42px; }
  h1 { font-size: 43px; }
  .section { padding: 66px 0; }
  .section-heading { display: block; }
  .section-heading > p { margin-top: 14px; }
  .account-card, .trust-panel { padding: 23px; }
  .calculator { grid-template-columns: 1fr; }
  .calculator .button { width: 100%; }
  .example-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .disclaimer { padding: 25px 0 0; border-top: 1px solid rgba(255,255,255,0.18); border-left: 0; }
  .consent-banner { right: 14px; bottom: 14px; left: 14px; display: block; width: auto; padding: 18px; }
  .consent-actions { margin-top: 15px; }
  .consent-actions .button { min-height: 46px; flex: 1; padding-inline: 14px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .button { transition: none; }
}