.article-hero { padding: 70px 0 0; overflow: hidden; color: #fff; background: var(--navy); }
.breadcrumbs { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 46px; color: #9fb0bd; font-size: 10px; font-weight: 750; }
.breadcrumbs a { color: var(--cyan); text-decoration: none; }
.article-hero-grid { display: grid; grid-template-columns: minmax(0, 1.25fr) minmax(280px, .75fr); gap: 60px; align-items: end; padding-bottom: 54px; }
.article-hero h1 { max-width: 840px; margin: 0; font-size: clamp(43px, 6.4vw, 80px); line-height: .96; letter-spacing: -.06em; }
.article-hero-copy { padding-bottom: 7px; }
.article-hero-copy > p { max-width: 480px; margin: 0; color: #c2d0da; font-size: 16px; line-height: 1.62; }
.article-meta { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 24px; color: #8fa4b4; font-size: 9px; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.summary-strip { display: grid; grid-template-columns: repeat(4, 1fr); overflow: hidden; border: 1px solid rgba(255,255,255,.13); border-bottom: 0; border-radius: 22px 22px 0 0; background: rgba(255,255,255,.06); }
.summary-strip div { min-height: 120px; padding: 24px; }
.summary-strip div + div { border-left: 1px solid rgba(255,255,255,.13); }
.summary-strip strong { display: block; color: var(--cyan); font-size: 26px; letter-spacing: -.04em; }
.summary-strip span { display: block; max-width: 205px; margin-top: 8px; color: #b7c5cf; font-size: 10px; line-height: 1.45; }

.article-shell { display: grid; grid-template-columns: 230px minmax(0, 820px); gap: 74px; justify-content: center; align-items: start; padding-top: 78px; padding-bottom: 110px; }
.article-aside { position: sticky; top: 102px; min-width: 0; }
.toc { display: grid; gap: 5px; padding: 19px; border: 1px solid var(--line); border-radius: 17px; background: var(--panel); box-shadow: var(--card-shadow); }
.toc b { margin-bottom: 7px; font-size: 10px; letter-spacing: .1em; text-transform: uppercase; }
.toc a { padding: 7px 9px; border-radius: 8px; color: var(--muted); font-size: 10px; line-height: 1.35; text-decoration: none; }
.toc a:hover { background: var(--soft); color: var(--blue); }
.article-body { min-width: 0; }
.article-lead { margin: 0 0 31px; font-size: 21px; line-height: 1.58; letter-spacing: -.017em; }
.article-body p { color: var(--muted); font-size: 14px; line-height: 1.75; }
.article-body strong { color: var(--ink); }
.article-section { padding: 70px 0 0; scroll-margin-top: 92px; }
.article-section h2 { max-width: 740px; margin: 0 0 21px; font-size: clamp(31px, 4.1vw, 48px); line-height: 1.02; letter-spacing: -.05em; }
.article-section > p { margin: 15px 0 0; }

.notice { margin: 31px 0 0; padding: 22px 24px; border: 1px solid color-mix(in srgb, var(--blue) 30%, var(--line)); border-radius: 17px; background: color-mix(in srgb, var(--blue) 6%, var(--panel)); }
.notice--important { border-left: 5px solid var(--blue); }
.notice b { display: block; font-size: 14px; }
.notice p { margin: 7px 0 0; font-size: 12px; line-height: 1.62; }
.decision-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 10px; margin: 28px 0; }
.decision-grid > div { min-height: 170px; padding: 22px; border: 1px solid var(--line); border-radius: 17px; background: var(--panel); }
.decision-grid span { color: var(--blue); font-size: 10px; font-weight: 900; }
.decision-grid b { display: block; margin-top: 27px; font-size: 16px; }
.decision-grid p { margin: 7px 0 0; font-size: 11px; line-height: 1.55; }

.table-wrap { max-width: 100%; margin-top: 27px; overflow-x: auto; border: 1px solid var(--line); border-radius: 17px; background: var(--panel); box-shadow: var(--card-shadow); }
.data-table { width: 100%; min-width: 760px; border-collapse: collapse; font-size: 11px; }
.data-table--compact { min-width: 610px; }
.data-table th { padding: 14px 16px; color: var(--muted); background: var(--soft); font-size: 9px; font-weight: 900; letter-spacing: .06em; text-align: left; text-transform: uppercase; }
.data-table td { padding: 16px; border-top: 1px solid var(--line); vertical-align: top; line-height: 1.42; }
.data-table td b, .data-table td span { display: block; }
.data-table td span { max-width: 230px; margin-top: 4px; color: var(--muted); font-size: 9px; }
.data-table td strong { color: var(--blue); }
.formula { display: grid; grid-template-columns: 90px minmax(0, 1fr); gap: 6px 20px; align-items: center; margin-top: 17px; padding: 20px 22px; border-radius: 16px; color: #fff; background: var(--navy); }
.formula span { grid-row: span 2; color: var(--cyan); font-size: 11px; font-weight: 900; text-transform: uppercase; }
.formula strong { color: #fff; font-size: 17px; }
.formula small { color: #9fb0bd; font-size: 9px; }
.fine-print { color: var(--muted) !important; font-size: 9px !important; line-height: 1.6 !important; }

.fee-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 8px; margin-top: 26px; }
.fee-grid div { min-width: 0; padding: 16px; border: 1px solid var(--line); border-radius: 14px; background: var(--panel); }
.fee-grid span { display: block; min-height: 25px; color: var(--muted); font-size: 8px; line-height: 1.4; }
.fee-grid b { display: block; margin-top: 8px; font-size: 15px; }

.calc-section { margin-top: 72px; padding: 48px; border-radius: 28px; color: #fff; background: var(--navy); }
.calc-section .section-kicker { color: var(--cyan); }
.calc-section h2 { color: #fff; }
.calc-section > p { color: #b8c7d1; }
.import-calculator { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-top: 29px; }
.import-fields, .import-results { padding: 25px; border: 1px solid rgba(255,255,255,.13); border-radius: 20px; background: rgba(255,255,255,.06); }
.import-fields { display: grid; gap: 14px; }
.import-fields label span { display: block; margin-bottom: 6px; color: #b8c7d1; font-size: 9px; font-weight: 850; }
.import-fields input, .import-fields select { width: 100%; min-height: 44px; padding: 10px 12px; border: 1px solid rgba(255,255,255,.17); border-radius: 11px; background: #10263b; color: #fff; font-size: 11px; }
.calculator-hint { margin: 2px 0 0 !important; color: #8fa4b4 !important; font-size: 9px !important; line-height: 1.5 !important; }
.result-main { padding-bottom: 20px; border-bottom: 1px solid rgba(255,255,255,.13); }
.result-main span { display: block; color: #b8c7d1; font-size: 9px; font-weight: 900; letter-spacing: .09em; text-transform: uppercase; }
.result-main strong { display: block; margin-top: 9px; color: var(--cyan); font-size: clamp(29px, 4vw, 42px); letter-spacing: -.05em; }
.result-main small { display: block; margin-top: 5px; color: #8fa4b4; font-size: 8px; }
.import-results dl { margin: 15px 0 0; }
.import-results dl div { display: flex; align-items: center; justify-content: space-between; gap: 15px; padding: 10px 0; color: #b8c7d1; font-size: 9px; }
.import-results dt span { color: var(--cyan); }
.import-results dd { margin: 0; color: #fff; font-size: 11px; font-weight: 850; white-space: nowrap; }
.import-results .result-total { margin-top: 4px; padding-top: 15px; border-top: 1px solid rgba(255,255,255,.13); }
.import-results .result-total dd { color: var(--cyan); font-size: 14px; }

.insight { display: grid; grid-template-columns: 90px minmax(0, 1fr); gap: 20px; margin-top: 18px; padding: 23px; border-radius: 17px; background: var(--soft); }
.insight span { color: var(--blue); font-size: 10px; font-weight: 900; letter-spacing: .09em; text-transform: uppercase; }
.insight p { margin: 0; font-size: 12px; line-height: 1.62; }
.cost-list { display: grid; grid-template-columns: repeat(2, 1fr); gap: 10px; margin-top: 26px; }
.cost-list div { padding: 22px; border: 1px solid var(--line); border-radius: 16px; background: var(--panel); }
.cost-list b { font-size: 14px; }
.cost-list p { margin: 8px 0 0; font-size: 11px; line-height: 1.55; }
.checklist { display: grid; gap: 10px; margin: 26px 0 0; padding: 0; counter-reset: check; list-style: none; }
.checklist li { position: relative; display: grid; grid-template-columns: 210px minmax(0, 1fr); gap: 22px; padding: 17px 20px 17px 54px; border: 1px solid var(--line); border-radius: 15px; background: var(--panel); counter-increment: check; }
.checklist li::before { content: counter(check); position: absolute; left: 18px; top: 17px; display: grid; place-items: center; width: 21px; height: 21px; border-radius: 7px; color: #fff; background: var(--blue); font-size: 9px; font-weight: 900; }
.checklist b { font-size: 12px; }
.checklist span { color: var(--muted); font-size: 10px; line-height: 1.5; }
.faq-article details { border-bottom: 1px solid var(--line); }
.faq-article details:first-of-type { border-top: 1px solid var(--line); }
.faq-article summary { padding: 19px 35px 19px 0; font-size: 13px; font-weight: 850; cursor: pointer; }
.faq-article details p { margin: -4px 0 18px; font-size: 11px; }
.sources ul { margin: 22px 0 0; padding: 0; list-style: none; }
.sources li { border-top: 1px solid var(--line); }
.sources li:last-child { border-bottom: 1px solid var(--line); }
.sources a { display: block; padding: 13px 0; color: var(--blue); font-size: 10px; font-weight: 800; text-decoration: none; }
.sources a:hover { text-decoration: underline; }
.article-cta { display: flex; align-items: center; justify-content: space-between; gap: 35px; margin-top: 72px; padding: 36px; border-radius: 24px; color: #fff; background: linear-gradient(135deg, #0b2743, #143e63); }
.article-cta > div { max-width: 570px; }
.article-cta h2 { margin: 0; font-size: clamp(27px, 4vw, 42px); line-height: 1; letter-spacing: -.045em; }
.article-cta p:not(.eyebrow) { margin: 13px 0 0; color: #b8c7d1; font-size: 11px; line-height: 1.55; }
.article-cta .button { flex: 0 0 auto; }

@media (max-width: 1020px) {
  .article-hero-grid { grid-template-columns: 1fr; gap: 25px; }
  .article-shell { grid-template-columns: 1fr; gap: 28px; }
  .article-aside { position: static; }
  .toc { display: flex; width: 100%; max-width: 100%; overflow-x: auto; }
  .toc b { display: none; }
  .toc a { flex: 0 0 auto; white-space: nowrap; }
}

@media (max-width: 760px) {
  .article-hero { padding-top: 42px; }
  .breadcrumbs { margin-bottom: 31px; }
  .article-hero-grid { padding-bottom: 38px; }
  .summary-strip { grid-template-columns: repeat(2, 1fr); }
  .summary-strip div:nth-child(3), .summary-strip div:nth-child(4) { border-top: 1px solid rgba(255,255,255,.13); }
  .summary-strip div:nth-child(3) { border-left: 0; }
  .article-shell { padding-top: 47px; padding-bottom: 75px; }
  .article-lead { font-size: 18px; }
  .article-section { padding-top: 56px; }
  .decision-grid, .cost-list { grid-template-columns: 1fr; }
  .fee-grid { grid-template-columns: repeat(2, 1fr); }
  .calc-section { margin-right: -10px; margin-left: -10px; padding: 30px 20px; border-radius: 22px; }
  .import-calculator { grid-template-columns: 1fr; }
  .checklist li { grid-template-columns: 1fr; gap: 6px; }
  .article-cta { align-items: flex-start; flex-direction: column; padding: 28px; }
}

@media (max-width: 460px) {
  .article-hero h1 { font-size: 40px; }
  .summary-strip strong { font-size: 21px; }
  .summary-strip div { min-height: 112px; padding: 18px; }
  .formula, .insight { grid-template-columns: 1fr; gap: 8px; }
  .formula span { grid-row: auto; }
  .fee-grid { grid-template-columns: 1fr 1fr; }
}

@media (prefers-reduced-motion: reduce) {
  .toc a, .article-cta .button { transition: none; }
}