@font-face {
  font-family: 'BK Sans';
  src: url('/assets/sans-regular.woff2') format('woff2');
  font-weight: 400;
  font-style: normal;
  font-display: swap;
}
@font-face {
  font-family: 'BK Sans';
  src: url('/assets/sans-bold.woff2') format('woff2');
  font-weight: 600 900;
  font-style: normal;
  font-display: swap;
}
:root {
  --ink: #172521;
  --muted: #53635d;
  --paper: #f5f6f0;
  --white: #fff;
  --dark: #142620;
  --lime: #d9ff78;
  --line: #d9dfd5;
  --green: #285a42;
  --soft: #e9eedf;
  --radius: 24px;
}
* { box-sizing: border-box; }
html { scroll-padding-top: 110px; }
body { margin: 0; background: var(--paper); color: var(--ink); font: 16px/1.65 'BK Sans', Arial, sans-serif; -webkit-font-smoothing: antialiased; }
a { color: inherit; text-underline-offset: 4px; }
button, input, select { font: inherit; }
button, summary, select { cursor: pointer; }
button { color: inherit; }
button, a, input, select, summary { -webkit-tap-highlight-color: transparent; }
:focus-visible { outline: 3px solid #387552; outline-offset: 4px; }
button:disabled { opacity: .5; cursor: not-allowed; }
::selection { background: var(--lime); color: var(--dark); }
svg { width: 24px; height: 24px; flex: 0 0 auto; }
img { max-width: 100%; }
h1, h2, h3, p { margin-top: 0; }
h1, h2, h3 { line-height: 1.16; letter-spacing: -.05em; font-weight: 700; }
h1 { font-size: clamp(38px, 4.9vw, 76px); }
h2 { font-size: clamp(30px, 3.4vw, 48px); }
h3 { font-size: 23px; letter-spacing: -.035em; }
p { margin-bottom: 1.25em; }
.wrap { width: min(1280px, calc(100% - 80px)); margin-inline: auto; }
.wide { width: min(1440px, calc(100% - 40px)); margin-inline: auto; }
.skip-link { position: fixed; top: -100px; left: 16px; z-index: 100; padding: 14px 20px; background: var(--lime); }
.skip-link:focus { top: 14px; }
.site-header { background: var(--paper); position: relative; z-index: 30; }
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 28px; min-height: 96px; }
.logo { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; font-size: 18px; font-weight: 700; letter-spacing: -.8px; white-space: nowrap; }
.logo-mark { display: inline-grid; width: 38px; height: 38px; place-items: center; border-radius: 50%; background: var(--ink); color: var(--lime); }
.logo-mark svg { width: 25px; height: 25px; }
.main-nav { display: flex; align-items: center; gap: 28px; font-size: 13px; font-weight: 700; }
.main-nav > a { text-decoration: none; }
.main-nav > a:hover { color: var(--green); }
.nav-menu > summary { list-style: none; display: flex; align-items: center; gap: 6px; min-height: 44px; }
.nav-menu > summary::-webkit-details-marker { display: none; }
.nav-menu summary svg { width: 14px; height: 14px; }
.nav-dropdown { position: absolute; top: 80px; padding: 28px; left: 50%; width: min(1040px, calc(100vw - 60px)); transform: translateX(-50%); background: white; box-shadow: 0 24px 70px #12251c26; border: 1px solid var(--line); border-radius: 20px; display: grid; grid-template-columns: repeat(3, 1fr); gap: 8px; }
.nav-dropdown a { padding: 12px; text-decoration: none; border-radius: 8px; }
.nav-dropdown a:hover { background: var(--soft); }
.menu-toggle { display: none; background: none; border: 1px solid var(--line); border-radius: 50%; width: 46px; height: 46px; place-items: center; }
.button { display: inline-flex; align-items: center; justify-content: center; gap: 18px; min-height: 52px; padding: 14px 23px; border-radius: 999px; background: var(--lime); border: 1px solid var(--lime); color: var(--dark); font-size: 13px; font-weight: 700; text-decoration: none; line-height: 1.4; transition: transform .15s, background .15s; }
.button:hover { transform: translateY(-2px); background: #e3ff9c; }
.button svg { width: 18px; height: 18px; }
.button-dark { background: var(--dark); color: white; border-color: var(--dark); }
.button-dark:hover { background: #294839; }
.button-outline { border-color: #b8c2b3; background: transparent; color: var(--ink); }
.button-outline:hover { background: var(--soft); }
.button-small { min-height: 44px; padding: 11px 17px; font-size: 12px; }
.button-white { border-color: #a2b0a6; color: white; background: none; }
.button-white:hover { background: #ffffff12; }
.eyebrow { display: flex; align-items: center; gap: 10px; margin-bottom: 24px; font-size: 11px; line-height: 1.5; font-weight: 700; letter-spacing: .13em; text-transform: uppercase; }
.eyebrow .dot { width: 7px; height: 7px; background: currentColor; border-radius: 50%; }
.hero { border-radius: 32px; background: var(--dark); color: white; padding: 56px 62px 0; overflow: hidden; position: relative; }
.hero::before { content: ''; position: absolute; inset: 0; pointer-events: none; background-image: linear-gradient(#ffffff04 1px, transparent 1px), linear-gradient(90deg, #ffffff04 1px, transparent 1px); background-size: 68px 68px; mask-image: linear-gradient(to right, transparent, black); }
.hero-grid { display: grid; grid-template-columns: minmax(0, 1.15fr) minmax(0, 1fr); gap: 50px; position: relative; }
.hero-grid > div { min-width: 0; }
.hero .eyebrow { color: var(--lime); }
.hero h1 { font-size: clamp(48px, 5.5vw, 82px); margin-bottom: 28px; line-height: 1.055; letter-spacing: -.065em; }
.hero h1 em { font-style: normal; color: var(--lime); }
.hero-lead { font-size: 15px; line-height: 1.8; color: #c0cec4; max-width: 420px; margin-bottom: 30px; }
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; }
.hero-note { font-size: 11px; color: #bdc9bf; margin-top: 27px; }
.hero-right { align-self: center; position: relative; padding: 4px 12px 28px; }
.orbit-label { position: absolute; right: -22px; top: -22px; background: var(--lime); color: var(--dark); border-radius: 16px; transform: rotate(8deg); font-size: 10px; line-height: 1.5; font-weight: 700; padding: 14px 18px; z-index: 2; box-shadow: 0 8px 12px #00000013; }
.quick-calc { background: var(--paper); color: var(--ink); border-radius: 25px; padding: 26px 28px 22px; box-shadow: 0 20px 60px #00000030; }
.calc-top { display: flex; justify-content: space-between; align-items: center; font-weight: 700; font-size: 12px; }
.calc-top .tiny { font-size: 10px; letter-spacing: .08em; color: var(--muted); font-weight: 400; }
.calc-visual { display: flex; align-items: center; justify-content: space-between; gap: 20px; padding: 24px 0 20px; }
.calc-visual small { display: block; font-size: 11px; color: var(--muted); }
.big-number { font-size: clamp(32px, 3.2vw, 44px); font-weight: 700; line-height: 1.3; letter-spacing: -.06em; white-space: nowrap; }
.big-number .currency { font-size: 15px; letter-spacing: -.03em; }
.donut { border-radius: 50%; width: 96px; height: 96px; flex: 0 0 96px; position: relative; background: conic-gradient(var(--ink) 0deg 296deg, #cfe7a5 296deg 360deg); display: grid; place-items: center; }
.donut::after { content: ''; position: absolute; width: 72px; height: 72px; border-radius: 50%; background: var(--paper); }
.donut svg { z-index: 1; width: 28px; height: 28px; }
.field { display: flex; flex-direction: column; gap: 6px; margin-bottom: 18px; min-width: 0; }
.field label { font-size: 12px; font-weight: 700; }
.field input, .field select { width: 100%; border: 1px solid #c3cdc0; background: white; border-radius: 10px; padding: 11px 14px; min-height: 46px; color: var(--ink); }
.field input[type=range] { padding: 0; height: 22px; min-height: 22px; accent-color: #355f32; border: none; background: none; }
.field-inline { display: flex; justify-content: space-between; gap: 20px; font-size: 12px; font-weight: 700; }
.field-inline output { font-size: 14px; }
.field-grid { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); align-items: end; gap: 12px; }
.quick-calc .field { margin-bottom: 12px; }
.quick-calc .field input[type=number], .quick-calc .field select { font-size: 12px; padding: 9px 11px; min-height: 42px; }
.quick-calc .button { width: 100%; min-height: 47px; }
.calc-disclaimer { font-size: 9px; color: var(--muted); margin: 11px 0 0; line-height: 1.6; }
.hero-bottom { border-top: 1px solid #ffffff24; margin-top: 44px; padding: 23px 0; display: grid; grid-template-columns: 1fr 1fr 1fr; position: relative; }
.hero-bottom span { font-size: 11px; color: #b5c3b9; }
.hero-bottom strong { color: var(--lime); font-size: 11px; margin-right: 11px; }
.section { padding-block: 83px; }
.section-heading { display: flex; align-items: end; justify-content: space-between; gap: 32px; margin-bottom: 34px; }
.section-heading h2 { margin-bottom: 0; max-width: 680px; }
.section-heading p { max-width: 330px; color: var(--muted); font-size: 14px; margin-bottom: 3px; }
.text-link { display: inline-flex; gap: 15px; align-items: center; font-size: 13px; font-weight: 700; text-decoration: none; padding-block: 8px; }
.text-link:hover { text-decoration: underline; }
.text-link svg { width: 17px; height: 17px; }
.goals { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.goal-card { border: 1px solid var(--line); border-radius: 20px; padding: 28px; min-height: 244px; background: white; text-decoration: none; display: flex; flex-direction: column; transition: border-color .15s, transform .15s; }
.goal-card:hover { border-color: #708568; transform: translateY(-3px); }
.goal-card.featured { background: var(--soft); border-color: var(--soft); }
.goal-top { display: flex; justify-content: space-between; margin-bottom: 35px; align-items: center; }
.goal-top > svg { width: 32px; height: 32px; }
.round-arrow { width: 34px; height: 34px; display: grid; place-items: center; border: 1px solid #bac6b0; border-radius: 50%; }
.round-arrow svg { width: 16px; height: 16px; }
.goal-card h3 { margin-bottom: 8px; }
.goal-card p { font-size: 12px; color: var(--muted); max-width: 280px; margin-bottom: 0; }
.all-finance { display: flex; flex-wrap: wrap; gap: 9px; margin-top: 23px; }
.pill { display: inline-flex; align-items: center; border-radius: 50px; border: 1px solid var(--line); padding: 9px 16px; font-size: 11px; text-decoration: none; min-height: 39px; }
.pill:hover, .pill[aria-current=true] { background: var(--dark); color: white; border-color: var(--dark); }
.manifesto { background: #e8eddd; border-radius: 28px; display: grid; grid-template-columns: 1.1fr 1fr; gap: 70px; padding: 56px; }
.manifesto h2 { font-size: clamp(32px, 3.2vw, 48px); }
.manifesto p { color: #465744; font-size: 14px; }
.comparison-note { border-radius: 18px; background: #f8faef; padding: 25px 30px; }
.comparison-note h3 { font-size: 18px; }
.compare-row { padding: 15px 0; border-bottom: 1px solid var(--line); display: flex; align-items: center; justify-content: space-between; gap: 15px; font-size: 12px; }
.compare-row:last-of-type { border-bottom: none; }
.compare-row strong { font-size: 18px; }
.tiny { font-size: 11px; color: var(--muted); }
.numbered-steps { display: grid; grid-template-columns: repeat(3, 1fr); margin-top: 35px; gap: 35px; }
.step { border-top: 1px solid #b7c4b0; padding-top: 20px; }
.step .index { font-size: 12px; color: #52654c; margin-bottom: 25px; }
.step h3 { font-size: 20px; }
.step p { font-size: 13px; color: var(--muted); }
.article-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.article-card { padding: 26px; border-radius: 20px; border: 1px solid var(--line); background: white; display: flex; flex-direction: column; }
.article-card a { text-decoration: none; }
.article-card:hover { border-color: #829c75; }
.article-card .tag { color: var(--green); font-size: 10px; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; margin-bottom: 22px; }
.article-card h3 { font-size: 21px; line-height: 1.35; margin-bottom: 13px; }
.article-card p { font-size: 12px; color: var(--muted); }
.card-meta { display: flex; justify-content: space-between; gap: 15px; align-items: center; font-size: 10px; color: var(--muted); margin-top: auto; padding-top: 16px; }
.card-meta svg { width: 18px; height: 18px; color: var(--ink); }
.tool-banner { display: grid; grid-template-columns: 1fr auto; gap: 40px; align-items: center; padding: 38px 44px; background: var(--dark); color: white; border-radius: 24px; margin-bottom: 72px; }
.tool-banner h2 { font-size: 30px; margin-bottom: 10px; }
.tool-banner p { color: #c0cdbf; margin: 0; font-size: 13px; }
.site-footer { padding: 50px 0 26px; border-top: 1px solid var(--line); }
.footer-top { display: grid; grid-template-columns: 1.7fr 1fr 1fr 1fr; gap: 36px; }
.footer-brand p { font-size: 12px; max-width: 300px; color: var(--muted); margin-top: 17px; }
.footer-links strong { display: block; font-size: 12px; margin-bottom: 16px; }
.footer-links a { display: block; font-size: 11px; color: var(--muted); text-decoration: none; padding: 5px 0; }
.footer-links a:hover { text-decoration: underline; }
.footer-bottom { display: flex; justify-content: space-between; gap: 20px; padding-top: 28px; margin-top: 36px; border-top: 1px solid var(--line); font-size: 10px; color: var(--muted); }
.back-top { display: inline-flex; align-items: center; gap: 8px; background: transparent; border: none; font-size: 11px; padding: 5px; }
.back-top svg { width: 15px; height: 15px; transform: rotate(-45deg); }
.breadcrumbs { padding: 23px 0; font-size: 10px; color: var(--muted); display: flex; gap: 10px; flex-wrap: wrap; }
.breadcrumbs a { text-decoration: none; }
.breadcrumbs a:hover { text-decoration: underline; }
.page-intro { padding: 40px 0 45px; }
.page-intro h1 { max-width: 1050px; font-size: clamp(36px, 4.5vw, 64px); margin-bottom: 24px; }
.page-intro .intro { max-width: 780px; color: var(--muted); font-size: 17px; }
.page-intro .eyebrow { color: var(--green); }
.category-layout { display: grid; grid-template-columns: minmax(0, 1fr) 340px; gap: 60px; padding: 30px 0 70px; }
.prose { line-height: 1.9; font-size: 15px; }
.prose h2 { font-size: 30px; margin: 2.1em 0 .8em; letter-spacing: -.045em; scroll-margin-top: 24px; }
.prose h3 { font-size: 23px; margin: 1.6em 0 .7em; }
.prose a { color: #24543c; text-decoration-thickness: 1px; }
.prose li { margin-bottom: .6em; }
.prose ul, .prose ol { padding-left: 24px; }
.prose strong { font-weight: 700; }
.prose table { border-collapse: collapse; width: 100%; margin-block: 26px; font-size: 12px; line-height: 1.65; }
.prose th { background: var(--dark); color: white; text-align: left; font-weight: 700; }
.prose th, .prose td { padding: 13px 15px; border-bottom: 1px solid var(--line); vertical-align: top; }
.prose tr:nth-child(even) td { background: #edf1e8; }
.table-scroll { overflow-x: auto; max-width: 100%; margin-block: 20px; }
.sidebox { padding: 28px; border: 1px solid var(--line); border-radius: 20px; background: white; margin-bottom: 20px; }
.sidebox h2, .sidebox h3 { font-size: 22px; margin: 0 0 15px; }
.sidebox p, .sidebox li { color: var(--muted); font-size: 12px; }
.sidebox ul { padding-left: 17px; }
.sidebox .button { width: 100%; }
.sticky { position: sticky; top: 24px; }
.commercial-label { color: var(--muted); font-size: 9px; text-transform: uppercase; letter-spacing: .06em; display: block; margin-bottom: 12px; }
.comperia-name { font-size: 22px; letter-spacing: -.055em; font-weight: 700; margin-bottom: 10px; }
.category-aside { min-width: 0; }
.choice-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 15px; margin-block: 25px; }
.choice { background: white; border-radius: 15px; border: 1px solid var(--line); padding: 22px; }
.choice h3 { font-size: 19px; }
.choice p { font-size: 12px; color: var(--muted); margin: 0; }
.takeaways { background: var(--soft); border-radius: 18px; padding: 25px 30px; margin: 28px 0; }
.takeaways strong { display: block; font-size: 13px; margin-bottom: 12px; }
.takeaways ul { padding-left: 18px; margin-bottom: 0; font-size: 13px; }
.takeaways li { padding-left: 4px; margin-bottom: 9px; }
.faq { margin-block: 35px; }
.faq > h2 { margin-bottom: 25px; }
.faq details { border-bottom: 1px solid var(--line); padding: 18px 0; }
.faq summary { font-weight: 700; font-size: 14px; padding-right: 12px; }
.faq details p { font-size: 13px; color: var(--muted); margin: 15px 0 4px; }
.group-links { background: var(--soft); border-radius: 18px; padding: 26px; margin-top: 35px; }
.group-links h2 { font-size: 22px; margin-top: 0; }
.group-links p { font-size: 12px; color: var(--muted); }
.group-links ul { display: flex; flex-wrap: wrap; gap: 12px 24px; padding: 0; list-style: none; }
.group-links a { font-size: 13px; }
.blog-search { padding: 26px 30px; background: var(--soft); border-radius: 20px; margin: 0 0 24px; }
.search-line { position: relative; }
.search-line svg { position: absolute; left: 18px; top: 15px; width: 22px; height: 22px; color: var(--muted); }
.search-line input { border-radius: 12px; border: 1px solid #becab5; padding: 15px 18px 15px 53px; width: 100%; background: white; }
.blog-filters { display: flex; gap: 8px; flex-wrap: wrap; margin: 18px 0 0; }
.blog-filters button { border-radius: 30px; padding: 8px 13px; border: 1px solid #becab5; background: transparent; font-size: 10px; min-height: 36px; }
.blog-filters button[aria-pressed=true] { background: var(--dark); border-color: var(--dark); color: white; }
.result-count { color: var(--muted); font-size: 12px; padding-bottom: 18px; }
[hidden] { display: none !important; }
.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; }
.article-card { content-visibility: auto; contain-intrinsic-height: auto 300px; min-width: 0; }
.article-card h3 { overflow-wrap: anywhere; }
.article-head { padding: 26px 0 45px; border-bottom: 1px solid var(--line); }
.article-head h1 { max-width: 1050px; font-size: clamp(36px, 4.25vw, 62px); }
.article-head .lead { max-width: 850px; font-size: 17px; color: var(--muted); line-height: 1.85; }
.article-meta { display: flex; gap: 18px; flex-wrap: wrap; font-size: 10px; color: var(--muted); padding-top: 9px; }
.article-meta a { text-underline-offset: 3px; }
.article-layout { display: grid; grid-template-columns: 235px minmax(0, 770px); gap: 60px; justify-content: center; padding-block: 36px 80px; }
.article-toc { align-self: start; position: sticky; top: 25px; border-left: 1px solid var(--line); padding: 10px 0 0 22px; }
.article-toc strong { font-size: 11px; display: block; margin-bottom: 16px; }
.article-toc a { display: block; font-size: 10px; line-height: 1.7; text-decoration: none; color: var(--muted); padding: 7px 0; }
.article-toc a:hover, .article-toc a.is-active { color: var(--green); text-decoration: underline; }
.article-toc .toc-tools { margin-top: 28px; padding-top: 18px; border-top: 1px solid var(--line); }
.article-body { min-width: 0; }
.article-body .prose > h2:first-child { margin-top: 18px; }
.sources { font-size: 12px; padding: 25px 0; border-top: 1px solid var(--line); margin-top: 35px; }
.sources h2 { font-size: 21px; margin-top: 0; }
.sources li { padding-bottom: 10px; overflow-wrap: anywhere; }
.editorial-note { font-size: 10px; color: var(--muted); line-height: 1.8; }
.inline-cta { padding: 24px 28px; background: var(--dark); color: white; border-radius: 18px; margin: 36px 0; }
.inline-cta h2 { font-size: 24px; margin: 0 0 10px; }
.inline-cta p { color: #ccdacb; font-size: 12px; }
.inline-cta .button { min-height: 46px; }
.calc-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 30px; margin-block: 0 55px; align-items: start; }
.calc-form { background: white; padding: 32px; border: 1px solid var(--line); border-radius: 24px; }
.calc-form h2 { font-size: 24px; margin-bottom: 28px; }
.calc-results { padding: 35px; background: var(--dark); color: white; border-radius: 24px; }
.calc-results h2 { font-size: 20px; margin-bottom: 10px; }
.calc-results .big-number { font-size: 48px; margin-bottom: 25px; }
.calc-results small { color: #bfcfbe; font-size: 11px; }
.calc-results dl { margin: 20px 0 0; }
.calc-results dl > div { border-top: 1px solid #ffffff25; display: flex; justify-content: space-between; gap: 20px; padding: 14px 0; font-size: 12px; }
.calc-results dt { color: #c4d4c2; }
.calc-results dd { margin: 0; text-align: right; font-weight: 700; }
.calc-error { font-size: 13px; color: #ffd6b3; }
.calc-explanation { font-size: 11px; color: #c3d3bf; margin-bottom: 0; line-height: 1.8; }
.schedule { font-size: 12px; }
.tools-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin-bottom: 60px; }
.tool-card { display: block; padding: 27px; background: white; border-radius: 20px; border: 1px solid var(--line); text-decoration: none; }
.tool-card svg { margin-bottom: 25px; }
.tool-card h2 { font-size: 22px; }
.tool-card p { color: var(--muted); font-size: 12px; margin-bottom: 12px; }
.tool-card .text-link { color: var(--green); }
.reading-progress { position: fixed; left: 0; top: 0; height: 3px; width: 0; background: #598e35; z-index: 100; }
.directory-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; padding-bottom: 50px; }
.directory-section { background: white; border: 1px solid var(--line); border-radius: 20px; padding: 25px; }
.directory-section h2 { font-size: 24px; }
.directory-section p { font-size: 12px; color: var(--muted); }
.directory-section ul { padding-left: 17px; font-size: 12px; }
.directory-section li { padding-bottom: 9px; }
.terms { max-width: 850px; padding-bottom: 70px; }
.terms dt { font-size: 22px; font-weight: 700; margin-top: 28px; letter-spacing: -.04em; }
.terms dd { margin: 10px 0 28px; font-size: 14px; color: var(--muted); }
.notice { border-left: 3px solid #638d42; background: var(--soft); padding: 18px 23px; font-size: 12px; margin-block: 24px; }
.mobile-only { display: none; }
@media (max-width: 1100px) {
  .wrap { width: calc(100% - 56px); }
  .main-nav { gap: 18px; }
  .header-cta { display: none; }
  .hero { padding: 42px 42px 0; }
  .hero-grid { gap: 28px; }
  .hero h1 { font-size: 63px; }
  .hero-right { padding-inline: 0; }
  .quick-calc { padding: 23px; }
  .orbit-label { right: -12px; }
  .article-layout { grid-template-columns: 185px minmax(0, 750px); gap: 35px; }
  .category-layout { grid-template-columns: minmax(0, 1fr) 300px; gap: 35px; }
  .manifesto { padding: 40px; gap: 40px; }
}
@media (max-width: 800px) {
  .wrap { width: calc(100% - 40px); }
  .wide { width: calc(100% - 24px); }
  .header-inner { min-height: 80px; }
  .logo { font-size: 16px; }
  .menu-toggle { display: grid; }
  .main-nav { display: none; position: absolute; top: 75px; left: 12px; right: 12px; padding: 22px; background: white; border: 1px solid var(--line); border-radius: 18px; box-shadow: 0 20px 40px #1a281a25; }
  .main-nav.is-open { display: flex; align-items: stretch; flex-direction: column; gap: 10px; }
  .main-nav > a { padding: 10px; }
  .nav-menu > summary { padding: 10px; }
  .nav-dropdown { position: static; transform: none; width: 100%; box-shadow: none; border: none; padding: 5px; grid-template-columns: 1fr 1fr; font-size: 11px; }
  .hero { padding: 36px 32px 0; border-radius: 24px; }
  .hero-grid { grid-template-columns: minmax(0, 1fr); gap: 38px; }
  .hero h1 { font-size: clamp(48px, 9vw, 72px); }
  .hero-lead { max-width: 490px; }
  .hero-right { width: min(450px, 100%); justify-self: center; padding-bottom: 0; }
  .hero-bottom { margin-top: 34px; }
  .hero-bottom span { font-size: 9px; }
  .hero-bottom strong { display: block; margin-bottom: 3px; }
  .section { padding-block: 55px; }
  .section-heading { align-items: start; flex-direction: column; gap: 18px; }
  .goals { grid-template-columns: 1fr 1fr; }
  .goal-card { padding: 24px; min-height: 225px; }
  .manifesto { grid-template-columns: 1fr; gap: 25px; padding: 32px; }
  .numbered-steps { gap: 22px; }
  .article-grid { grid-template-columns: 1fr 1fr; }
  .article-card { padding: 23px; }
  .article-grid > .article-card:last-child:nth-child(3) { display: none; }
  .tool-banner { padding: 30px; grid-template-columns: 1fr; gap: 22px; margin-bottom: 50px; }
  .tool-banner .button { justify-self: start; }
  .footer-top { grid-template-columns: 1fr 1fr; }
  .footer-bottom { flex-direction: column; gap: 12px; }
  .article-layout { grid-template-columns: 1fr; gap: 15px; padding-top: 20px; }
  .article-toc { position: static; border: 1px solid var(--line); border-radius: 15px; padding: 20px; }
  .article-toc a { font-size: 12px; }
  .article-toc .toc-tools { display: none; }
  .category-layout { grid-template-columns: 1fr; gap: 25px; }
  .category-aside .sticky { position: static; display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
  .category-aside .sidebox { margin: 0; }
  .tools-grid, .directory-grid { grid-template-columns: 1fr 1fr; }
  .calc-layout { grid-template-columns: 1fr; }
  .page-intro { padding: 25px 0 30px; }
  .article-head .lead, .page-intro .intro { font-size: 15px; }
  .mobile-only { display: block; }
}
@media (max-width: 480px) {
  .wrap { width: calc(100% - 32px); }
  .hero { padding: 30px 23px 0; }
  .hero h1 { font-size: clamp(29px, 10.4vw, 48px); }
  .hero .eyebrow { font-size: 9px; }
  .hero-lead { font-size: 13px; }
  .hero-actions { flex-direction: column; align-items: start; }
  .hero-actions .button { font-size: 11px; padding-inline: 18px; }
  .orbit-label { top: -20px; right: -9px; font-size: 9px; padding: 11px; }
  .quick-calc { padding: 22px 20px; }
  .donut { width: 64px; height: 64px; flex-basis: 64px; }
  .donut::after { width: 48px; height: 48px; }
  .calc-visual { gap: 8px; }
  .big-number { font-size: 30px; }
  .goals { gap: 12px; }
  .goal-card { padding: 19px; min-height: 228px; }
  .goal-card h3 { font-size: 20px; }
  .goal-card p { font-size: 11px; }
  .goal-top { margin-bottom: 26px; }
  .goal-top > svg { width: 27px; height: 27px; }
  .round-arrow { width: 28px; height: 28px; }
  .manifesto { padding: 28px 23px; }
  .comparison-note { padding: 20px; }
  .compare-row { flex-direction: column; align-items: flex-start; gap: 4px; }
  .numbered-steps { grid-template-columns: 1fr; gap: 12px; }
  .step .index { margin-bottom: 10px; }
  .article-grid, .tools-grid, .directory-grid { grid-template-columns: 1fr; }
  .article-grid > .article-card:last-child:nth-child(3) { display: flex; }
  .article-card h3 { font-size: 22px; }
  .footer-top { gap: 28px; }
  .footer-brand { grid-column: 1 / -1; }
  .footer-links { min-width: 0; }
  .article-head h1, .page-intro h1 { font-size: 36px; }
  .prose { font-size: 14px; line-height: 1.85; }
  .prose h2 { font-size: 27px; }
  .takeaways { padding: 23px; }
  .category-aside .sticky, .choice-grid { grid-template-columns: 1fr; }
  .blog-search { padding: 21px; }
  .blog-filters { gap: 6px; }
  .blog-filters button { font-size: 9px; padding-inline: 10px; }
  .calc-form, .calc-results { padding: 25px; }
  .calc-results .big-number { font-size: clamp(28px, 8vw, 42px); white-space: normal; overflow-wrap: anywhere; }
  .field-grid { gap: 10px; }
}
@media (max-width: 360px) {
  .header-inner { gap: 10px; }
  .logo { font-size: 14px; gap: 8px; }
  .logo-mark { width: 32px; height: 32px; }
  .hero { padding-inline: 18px; }
  .hero .eyebrow { font-size: 8px; }
  .quick-calc { padding: 20px 16px; }
  .quick-calc .big-number { font-size: 26px; }
  .donut { width: 48px; height: 48px; flex-basis: 48px; }
  .donut::after { width: 36px; height: 36px; }
  .donut svg { width: 21px; height: 21px; }
  .calc-form .field-grid { grid-template-columns: 1fr; }
  .goals { grid-template-columns: minmax(0, 1fr); }
  .goal-card { min-height: 210px; }
  .page-intro h1, .article-head h1 { font-size: 32px; overflow-wrap: anywhere; }
}
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { transition: none !important; animation: none !important; }
}
@media print {
  body { background: white; color: black; }
  .site-header, .site-footer, .article-toc, .inline-cta, .tool-banner, .reading-progress { display: none; }
  .wrap { width: 100%; }
  .article-layout { display: block; padding: 0; }
  .article-head { padding-top: 0; }
  .article-head h1 { font-size: 29px; }
  .prose { font-size: 11px; }
  .prose h2 { font-size: 19px; }
  .faq details p { display: block; }
  a { color: black; }
}


/* Color theme v2: pastel panels, clear accents, calm reading surfaces. */
@media screen {
  :root {
    --blue-panel: #e9f2ff;
    --blue-border: #b7cde9;
    --blue-ink: #2c5282;
    --peach-panel: #fff0e3;
    --peach-border: #e8c1a6;
    --peach-ink: #854d2e;
    --mint-panel: #e7f4ec;
    --mint-border: #afd2bf;
    --mint-ink: #285c46;
    --lavender-panel: #f1ebfb;
    --lavender-border: #cec0e6;
    --lavender-ink: #65458b;
    --rose-panel: #fbecef;
    --rose-border: #e5bdc7;
    --rose-ink: #853f56;
    --sand-panel: #fff5d9;
    --sand-border: #e2cd8d;
    --sand-ink: #775717;
  }

  .site-header { border-bottom: 1px solid #e1e7de; }
  .nav-dropdown { border-color: var(--blue-border); }
  .nav-dropdown a:nth-child(3n + 1):hover { background: var(--blue-panel); }
  .nav-dropdown a:nth-child(3n + 2):hover { background: var(--peach-panel); }
  .nav-dropdown a:nth-child(3n):hover { background: var(--lavender-panel); }
  .header-cta { background: #fff; border-color: #a7bfaf; }
  .menu-toggle { background: #fff; border-color: var(--blue-border); }

  .hero { border: 1px solid #284c3b; }
  .orbit-label { background: #ffd5b5; color: #482f24; }
  .quick-calc { border: 1px solid #bdd4bd; box-shadow: 0 20px 60px #00000030, inset 0 5px 0 #d9ff78; }
  .quick-calc .field input:not([type=range]),
  .quick-calc .field select { background: #fff; border-color: #adc4b4; }
  .hero-bottom strong:nth-child(1) { color: #d9ff78; }
  .hero-bottom span:nth-child(2) strong { color: #b8d9ff; }
  .hero-bottom span:nth-child(3) strong { color: #ffd5b5; }

  .goal-card {
    --panel: var(--blue-panel);
    --panel-border: var(--blue-border);
    --panel-ink: var(--blue-ink);
    background: var(--panel);
    border-color: var(--panel-border);
    box-shadow: inset 0 4px 0 var(--panel-ink), 0 6px 15px #22342905;
  }
  .goal-card:nth-child(6n + 2) { --panel: var(--peach-panel); --panel-border: var(--peach-border); --panel-ink: var(--peach-ink); }
  .goal-card:nth-child(6n + 3) { --panel: var(--mint-panel); --panel-border: var(--mint-border); --panel-ink: var(--mint-ink); }
  .goal-card:nth-child(6n + 4) { --panel: var(--lavender-panel); --panel-border: var(--lavender-border); --panel-ink: var(--lavender-ink); }
  .goal-card:nth-child(6n + 5) { --panel: var(--rose-panel); --panel-border: var(--rose-border); --panel-ink: var(--rose-ink); }
  .goal-card:nth-child(6n) { --panel: var(--sand-panel); --panel-border: var(--sand-border); --panel-ink: var(--sand-ink); }
  .goal-card.featured { background: var(--panel); border-color: var(--panel-border); }
  .goal-card:hover { border-color: var(--panel-ink); }
  .goal-top { margin-bottom: 26px; }
  .goal-top > svg { width: 48px; height: 48px; padding: 10px; border-radius: 14px; background: #ffffffc9; color: var(--panel-ink); }
  .goal-card .round-arrow { color: var(--panel-ink); border-color: var(--panel-border); background: #ffffff80; }
  .goal-card h3 { color: var(--ink); }
  .goal-card p { color: #495b54; }
  .all-finance .pill { background: #fff; border-color: #c6d3ca; }
  .all-finance .pill:nth-child(3n + 1) { background: var(--blue-panel); border-color: var(--blue-border); }
  .all-finance .pill:nth-child(3n + 2) { background: var(--peach-panel); border-color: var(--peach-border); }
  .all-finance .pill:nth-child(3n) { background: var(--lavender-panel); border-color: var(--lavender-border); }
  .all-finance .pill:hover { background: var(--dark); color: #fff; border-color: var(--dark); }

  .manifesto { background: var(--peach-panel); border: 1px solid var(--peach-border); }
  .manifesto .eyebrow { color: var(--peach-ink); }
  .manifesto p { color: #665040; }
  .comparison-note { background: #fffdf9; border: 1px solid #e5ccb9; box-shadow: 0 10px 24px #7d51380a; }
  .comparison-note .compare-row { border-color: #ecddcf; }
  .comparison-note .compare-row:last-of-type { color: #234f3b; background: #eaf4e8; border-radius: 10px; padding-inline: 12px; }
  .comparison-note .tiny { color: #665b50; }

  .step { min-width: 0; padding: 24px; border: 1px solid var(--blue-border); border-top: 4px solid var(--blue-ink); background: var(--blue-panel); border-radius: 18px; }
  .step:nth-child(2) { background: var(--mint-panel); border-color: var(--mint-border); border-top-color: var(--mint-ink); }
  .step:nth-child(3) { background: var(--lavender-panel); border-color: var(--lavender-border); border-top-color: var(--lavender-ink); }
  .step .index { display: inline-block; color: var(--ink); padding: 5px 10px; background: #ffffffb5; border-radius: 8px; font-weight: 700; }

  .article-card {
    --card-tone: var(--blue-panel);
    --card-edge: var(--blue-border);
    --card-accent: var(--blue-ink);
    background: #fff;
    border-color: var(--card-edge);
    box-shadow: inset 0 5px 0 var(--card-accent), 0 7px 18px #14262005;
  }
  .article-card[data-category="gotowkowe"],
  .article-card[data-category="samochodowe"],
  .article-card[data-category="karty"] { --card-tone: var(--peach-panel); --card-edge: var(--peach-border); --card-accent: var(--peach-ink); }
  .article-card[data-category="firmowe"],
  .article-card[data-category="faktoring"],
  .article-card[data-category="zdolnosc"] { --card-tone: var(--mint-panel); --card-edge: var(--mint-border); --card-accent: var(--mint-ink); }
  .article-card[data-category="leasing"],
  .article-card[data-category="refinansowe"],
  .article-card[data-category="splata"] { --card-tone: var(--lavender-panel); --card-edge: var(--lavender-border); --card-accent: var(--lavender-ink); }
  .article-card[data-category="pozyczki"],
  .article-card[data-category="raty"] { --card-tone: var(--rose-panel); --card-edge: var(--rose-border); --card-accent: var(--rose-ink); }
  .article-card[data-category="koszty"] { --card-tone: var(--sand-panel); --card-edge: var(--sand-border); --card-accent: var(--sand-ink); }
  .article-card:hover { border-color: var(--card-accent); }
  .article-card .tag { align-self: flex-start; color: var(--card-accent); background: var(--card-tone); border-radius: 7px; padding: 5px 9px; margin-top: 5px; }
  .article-card .card-meta { border-top: 1px solid var(--card-edge); }
  .article-card .card-meta svg { color: var(--card-accent); }

  .tool-banner { background: #173d48; border: 1px solid #45616b; box-shadow: inset 5px 0 0 #b8d9ff; }
  .tool-banner .eyebrow { color: #b8d9ff; }
  .tool-banner p { color: #d0e1df; }
  .tool-card { --tool-tone: var(--blue-panel); --tool-border: var(--blue-border); --tool-accent: var(--blue-ink); background: var(--tool-tone); border-color: var(--tool-border); box-shadow: inset 0 4px 0 var(--tool-accent); }
  .tool-card:nth-child(4n + 2) { --tool-tone: var(--peach-panel); --tool-border: var(--peach-border); --tool-accent: var(--peach-ink); }
  .tool-card:nth-child(4n + 3) { --tool-tone: var(--mint-panel); --tool-border: var(--mint-border); --tool-accent: var(--mint-ink); }
  .tool-card:nth-child(4n) { --tool-tone: var(--lavender-panel); --tool-border: var(--lavender-border); --tool-accent: var(--lavender-ink); }
  .tool-card > svg { width: 50px; height: 50px; padding: 12px; border-radius: 14px; color: var(--tool-accent); background: #ffffffb8; }
  .tool-card .text-link { color: var(--tool-accent); }
  .tool-card:hover { border-color: var(--tool-accent); }
  .calc-form { border-color: var(--blue-border); box-shadow: inset 0 5px 0 var(--blue-ink); }
  .calc-form h2 { color: #244b73; }
  .calc-form .field:nth-child(odd) input { background: #f5f9ff; border-color: #b5c9df; }
  .calc-results { background: #173d48; border: 1px solid #426671; box-shadow: inset 0 5px 0 #b8d9ff; }
  .calc-results .big-number { color: #d9ff78; }

  .sidebox { background: var(--blue-panel); border-color: var(--blue-border); box-shadow: inset 0 4px 0 var(--blue-ink); }
  .sidebox:nth-child(2n) { background: var(--sand-panel); border-color: var(--sand-border); box-shadow: inset 0 4px 0 var(--sand-ink); }
  .sidebox .text-link { color: var(--blue-ink); }
  .choice { background: #fff; border-color: #c6d7cc; box-shadow: inset 0 3px 0 #6f9e83; }
  .choice:nth-child(3n + 2) { background: #fff8f1; border-color: var(--peach-border); box-shadow: inset 0 3px 0 #bb8a66; }
  .choice:nth-child(3n) { background: #f6f2fc; border-color: var(--lavender-border); box-shadow: inset 0 3px 0 #9d84bb; }
  .takeaways { background: var(--mint-panel); border: 1px solid var(--mint-border); box-shadow: inset 4px 0 0 var(--mint-ink); }
  .takeaways strong { color: #234e3b; }
  .takeaways li::marker { color: #2d7052; }
  .prose > h2 { border-left: 4px solid #719fb8; padding-left: 14px; }
  .prose > h2:nth-of-type(3n + 2) { border-color: #b58ad1; }
  .prose > h2:nth-of-type(3n) { border-color: #d79865; }
  .prose th { background: #264d59; }
  .prose tr:nth-child(even) td { background: #edf5fa; }
  .prose tr:nth-child(odd) td { background: #fff; }
  .prose td { border-color: #c9dce5; }
  .article-toc { border-left: 3px solid #b8cbe7; }
  .article-toc a.is-active { color: var(--blue-ink); }
  .sources { background: #edf3fa; border: 1px solid #bdcfe4; border-radius: 18px; padding: 25px; }
  .sources h2 { color: #294d76; }
  .sources a { color: #2c5282; }
  .sources li::marker { color: #2c5282; }
  .faq details { border: 1px solid #d7c9e7; border-left: 4px solid #a88ac4; border-radius: 14px; background: #fbf9ff; padding: 18px 20px; margin-bottom: 12px; }
  .faq details:nth-of-type(2n) { border-color: #b8d7cb; border-left-color: #6fa88d; background: #f5fbf7; }
  .faq details[open] { background: #f1ebfb; }
  .faq details:nth-of-type(2n)[open] { background: #e7f4ec; }
  .faq summary::marker { color: #65458b; }
  .faq details:nth-of-type(2n) summary::marker { color: #285c46; }
  .inline-cta { background: #234e49; border: 1px solid #426c61; box-shadow: inset 4px 0 0 #d9ff78; }
  .group-links { background: var(--lavender-panel); border: 1px solid var(--lavender-border); }
  .group-links a { color: var(--lavender-ink); }
  .blog-search { background: #e9f2ff; border: 1px solid var(--blue-border); }
  .search-line input { border-color: #a9c0dc; }
  .blog-filters button { background: #ffffffb3; border-color: #afc4de; }
  .blog-filters button[aria-pressed=true] { background: #244b73; border-color: #244b73; color: #fff; }
  .directory-section { border-color: #bacfdf; box-shadow: inset 0 4px 0 #48769a; }
  .directory-section:nth-child(4n + 2) { background: #fff8f1; border-color: var(--peach-border); box-shadow: inset 0 4px 0 #a16a43; }
  .directory-section:nth-child(4n + 3) { background: #f1f8f3; border-color: var(--mint-border); box-shadow: inset 0 4px 0 #44745a; }
  .directory-section:nth-child(4n) { background: #f6f2fc; border-color: var(--lavender-border); box-shadow: inset 0 4px 0 #8661aa; }
  .notice { background: var(--peach-panel); border-color: #a8754b; color: #58412e; }
  .information-note { background: #edf3fa; border: 1px solid #b8cce2; border-left: 4px solid #426b91; border-radius: 14px; padding: 20px 24px; margin: 28px 0; color: #334c62; font-size: 13px; line-height: 1.85; }
  .information-note strong { display: block; color: #294d76; margin-bottom: 8px; }
  .information-note p { margin-bottom: 0; }

  .site-footer { background: #edf0f9; border-top: 1px solid #bac9df; }
  .footer-links strong { color: #274c73; }
  .footer-links a:hover { color: #2c5282; }
  .footer-bottom { border-color: #c2cde0; }
  .back-top { color: #244b73; }
}

@media screen and (max-width: 480px) {
  .goal-top { margin-bottom: 22px; }
  .goal-top > svg { width: 38px; height: 38px; padding: 8px; border-radius: 11px; }
  .step { padding: 21px; }
  .sources { padding: 22px; }
  .faq details { padding: 17px 16px; }
  .information-note { padding: 18px 20px; }
}

/* Privacy settings dialog. Optional permissions are off until saved. */
body.privacy-panel-open { overflow: hidden; }
.privacy-panel {
  width: min(650px, calc(100% - 32px));
  max-height: calc(100vh - 32px);
  max-height: calc(100dvh - 32px);
  margin: auto;
  padding: 0;
  border: 1px solid #bdcfcd;
  border-radius: 20px;
  background: #fffefa;
  color: #152d34;
  box-shadow: 0 24px 80px #0d26364d;
  overflow-y: auto;
}
.privacy-panel::backdrop { background: #0c2439b8; }
.privacy-panel-inner { padding: 20px 32px 28px; }
.privacy-panel-navigation { display: flex; justify-content: space-between; align-items: center; margin-bottom: 23px; }
.privacy-text-button { appearance: none; padding: 0; border: 0; background: transparent; color: #087b7c; font-size: 12px; font-weight: 700; text-align: left; }
.privacy-panel-navigation .privacy-text-button { min-height: 40px; font-size: 14px; }
.privacy-text-button:hover { text-decoration: underline; text-underline-offset: 4px; }
.privacy-close { width: 40px; height: 40px; border: 0; border-radius: 50%; font-size: 29px; line-height: 1; background: #eaf5f0; color: #087b7c; }
.privacy-close:hover { background: #d5eae4; }
.privacy-eyebrow { color: #087b7c; text-transform: uppercase; font-size: 10px; font-weight: 700; letter-spacing: .13em; margin: 0 0 14px; }
.privacy-panel h2 { font-size: clamp(28px, 4vw, 39px); letter-spacing: -.05em; margin: 0 0 16px; }
.privacy-description { font-size: 12px; color: #52656b; line-height: 1.8; margin-bottom: 16px; }
.privacy-setting { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 20px; align-items: center; padding: 20px 0; border-bottom: 1px solid #d2dddd; }
label.privacy-setting { cursor: pointer; }
.privacy-setting strong { display: block; font-size: 13px; font-weight: 700; }
.privacy-setting p, .privacy-setting-description { display: block; margin: 6px 0 0; font-size: 11px; color: #52656b; line-height: 1.7; }
.privacy-required-status { color: #087b7c; font-size: 10px; font-weight: 700; }
.privacy-switch { appearance: none; position: relative; margin: 0; width: 46px; height: 27px; border: 1px solid #9cadaa; border-radius: 30px; background: #c9d4d2; cursor: pointer; }
.privacy-switch::before { content: ''; position: absolute; width: 19px; height: 19px; top: 3px; left: 3px; border-radius: 50%; background: #fff; box-shadow: 0 1px 4px #183a3833; transition: transform .15s ease; }
.privacy-switch:checked { background: #087f7b; border-color: #087f7b; }
.privacy-switch:checked::before { transform: translateX(19px); }
.privacy-switch:focus-visible { outline: 3px solid #1764a1; outline-offset: 4px; }
.privacy-status { margin: 17px 0; min-height: 20px; color: #52656b; font-size: 11px; line-height: 1.7; }
.privacy-actions { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.privacy-actions button { min-height: 48px; padding: 12px 14px; border-radius: 7px; border: 1px solid #173d48; font-size: 11px; line-height: 1.6; font-weight: 700; }
.privacy-reject { background: transparent; color: #173d48; }
.privacy-reject:hover { background: #edf3fa; }
.privacy-actions .privacy-save { background: #087f7b; color: #fff; border-color: #087f7b; }
.privacy-actions .privacy-save:hover { background: #086861; }
.privacy-panel-bottom { display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; margin-top: 18px; }
.privacy-panel-bottom a, .privacy-panel-bottom button { font-size: 10px; }
.privacy-panel-bottom a { color: #315d72; }
.privacy-toast { position: fixed; z-index: 100; left: 50%; bottom: 24px; transform: translateX(-50%); width: max-content; max-width: calc(100% - 32px); padding: 15px 20px; border: 1px solid #608d89; border-radius: 12px; background: #173d48; color: #fff; font-size: 12px; box-shadow: 0 10px 35px #14262026; }
@media (max-width: 480px) {
  .privacy-panel-inner { padding: 14px 20px 24px; }
  .privacy-panel-navigation { margin-bottom: 15px; }
  .privacy-setting { gap: 12px; padding: 17px 0; }
  .privacy-setting-required { grid-template-columns: 1fr; gap: 7px; }
  .privacy-actions { grid-template-columns: 1fr; }
}
@media print {
  .privacy-panel, .privacy-toast { display: none !important; }
}