*{box-sizing:border-box}
:root{
  --bg:#ffffff;--surface:#f8fafc;--muted:#5b6570;--text:#0b0f13;--primary:#003366;--primary-700:#00264d;--green:#00843D;--red:#ff4d4f;--border:#e5e9ef;
}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,Montserrat,system-ui,-apple-system,Segoe UI,Roboto,Ubuntu,Arial,sans-serif;line-height:1.7;color:var(--text);background:var(--bg)}
img{max-width:100%;height:auto;display:block}
a{color:var(--primary);text-decoration:none}
a:hover{color:var(--primary-700);text-decoration:underline}
.container{max-width:1180px;margin:0 auto;padding:16px}
.hero{padding:72px 0;background:
  radial-gradient(1200px 400px at 50% -10%, rgba(0,102,204,.06), rgba(0,0,0,0)),
  linear-gradient(180deg, rgba(0,51,102,.06), transparent)}
.hero h1{font-size:2.2rem;margin:0 0 18px;font-weight:700;color:var(--primary)}
.hero p{color:var(--muted);margin:0 0 24px;max-width:650px}
.hero .trust-badges{display:flex;flex-wrap:wrap;gap:8px;margin:10px 0 0}
.hero .trust-badges .badge{background:#eef6ff;border:1px solid #cfe3ff;color:#0a2d52}
.search{display:flex;gap:8px;max-width:720px}
.search input{flex:1;padding:12px 14px;border:1px solid var(--border);border-radius:10px;background:#fff;color:var(--text)}
.search button{padding:12px 18px;border-radius:10px;background:var(--primary);color:#fff;border:none}
.btn{display:inline-flex;align-items:center;gap:8px;padding:10px 16px;border-radius:10px;background:var(--primary);color:#fff;border:none;cursor:pointer}
.btn.secondary{background:transparent;color:var(--primary);border:1px solid var(--primary);box-shadow:none}
.btn.secondary:hover{background:rgba(0,51,102,.06);transform:none;box-shadow:none}
.btn:hover{filter:brightness(1.05)}
a.btn:not(.secondary), a.btn:not(.secondary):visited{color:#fff}
a.btn:not(.secondary):hover, a.btn:not(.secondary):focus{color:#fff;text-decoration:none}
.btn:not(.secondary):hover, .btn:not(.secondary):focus{color:#fff;text-decoration:none}
a.btn.secondary:visited{color:var(--primary)}
.btn.secondary:hover, a.btn.secondary:hover{color:var(--primary);text-decoration:none}
.card{background:#fff;border:1px solid var(--border);border-radius:14px;padding:16px;box-shadow:0 3px 12px rgba(0,0,0,.05)}
.grid{display:grid;gap:16px}
.grid.cols-2{grid-template-columns:1fr}
.grid.cols-3{grid-template-columns:1fr}
@media(min-width:768px){.grid.cols-2{grid-template-columns:1fr 1fr}}
@media(min-width:900px){.grid.cols-3{grid-template-columns:repeat(3,1fr)}}
.field{margin:10px 0}
.field label{display:block;margin:0 0 6px;color:var(--muted)}
input,select{width:100%;padding:10px;border:1px solid var(--border);border-radius:10px;background:#fff;color:var(--text)}
button{background:var(--primary);color:#fff;border:none;border-radius:10px;padding:10px 16px;cursor:pointer}
header.site{border-bottom:1px solid var(--border);background:#fff}
header.site .inner{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:12px 16px}
.brand{font-weight:800;letter-spacing:.2px;color:var(--primary)}
.nav{display:flex;gap:16px;flex-wrap:wrap}
.nav a{padding:8px 12px;border-radius:8px;color:var(--text)}
.nav a:hover{background:rgba(0,0,0,.04)}
.menu-toggle{display:none;padding:8px 12px;border:1px solid var(--border);border-radius:10px;background:#fff;color:var(--text)}
@media(max-width:900px){
  header.site .menu-toggle{display:inline-flex}
  header.site .nav{display:none;flex-direction:column;gap:8px;padding:8px 0}
  header.site.open .nav{display:flex}
  header.site .nav a{padding:10px 12px}
}
@media(min-width:901px){
  header.site .menu-toggle{display:none !important}
}
footer.site{border-top:1px solid var(--border);color:var(--muted);padding:24px;text-align:center;background:#fff}
.badge{display:inline-block;padding:4px 8px;background:#eef3f8;border:1px solid var(--border);border-radius:8px;color:var(--muted);font-size:.85rem}
.feature-icon{width:32px;height:32px;color:var(--primary)}
.list{list-style:none;padding:0;margin:0}
.list li{display:flex;align-items:center;justify-content:space-between;padding:12px;border-bottom:1px solid var(--border)}
.list li a{font-weight:600}
.li-grid{display:flex;align-items:center;justify-content:space-between;gap:16px}
.li-grid .li-main{flex:1;min-width:0}
.li-grid .li-meta{flex:0 0 auto}
.meta-list li{justify-content:flex-start}
.meta-list li .li-grid{flex:1 1 100%}
.li-grid .li-main a{display:block}
.admin-shell{display:grid;grid-template-columns:240px 1fr;min-height:calc(100vh - 60px)}
@media(max-width:900px){.admin-shell{grid-template-columns:1fr}}
.admin-sidebar{border-right:1px solid var(--border);background:#fff;padding:16px}
.admin-menu{display:flex;flex-direction:column;gap:8px}
.admin-menu a{padding:10px 12px;border-radius:10px;color:var(--text);display:block}
.admin-menu a:hover{background:rgba(0,0,0,.04)}
.admin-menu .linklike{width:100%;text-align:left;padding:10px 12px;border-radius:10px;color:var(--text);display:block;background:transparent;border:none;cursor:pointer;font:inherit}
.admin-menu .linklike:hover{background:rgba(0,0,0,.04)}
.admin-content{padding:16px;min-width:0}
.stat-cards{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}
@media(min-width:900px){.stat-cards{grid-template-columns:repeat(4,1fr)}}
.stat{padding:16px;border:1px solid var(--border);border-radius:14px;background:#fff}
.stat .k{color:var(--muted);font-size:.9rem}
.stat .v{font-size:1.3rem;font-weight:700}
.ads-slot{display:block;margin:16px 0;border:1px dashed var(--border);border-radius:12px;min-height:90px;padding:8px;background:#fff}
.ads-slot .ads-label{font-size:.75rem;color:var(--muted);letter-spacing:.2px;text-transform:uppercase;margin-bottom:6px;display:block}
.ads-slot.top{min-height:120px}
.ads-slot.middle{min-height:250px}
.ads-slot.bottom{min-height:120px}
.data-table{width:100%;border-collapse:collapse;table-layout:fixed}
.data-table th,.data-table td{padding:10px 12px;border-bottom:1px solid var(--border);vertical-align:middle}
.data-table th{background:var(--surface);font-weight:600}
.data-table tbody tr:nth-child(odd){background:#fff}
.data-table tbody tr:nth-child(even){background:#f9fbfd}
.data-table td.num{text-align:right;width:120px}
.data-table td.range{width:auto}
.cta-block{padding:20px;border:1px solid var(--border);border-radius:16px;background:#f9fbfd}
.cta-block p{color:var(--muted);margin:0 0 12px}
.cta-actions{display:flex;justify-content:center}
.btn.large{padding:14px 20px;border-radius:12px;font-weight:700}
.quick-links{display:flex;gap:12px;flex-wrap:wrap;justify-content:center;margin-top:12px}
.quick-links a{display:inline-flex;align-items:center;gap:8px;padding:6px 10px;border-radius:10px;color:var(--text);border:1px solid var(--border);background:#fff}
.quick-links a:hover{background:#f8fafc;text-decoration:none}
.quick-links .icon{width:18px;height:18px;color:#0a2d52}
.links-inline{display:flex;gap:12px;flex-wrap:wrap;justify-content:center}
.links-inline a{display:inline-flex;align-items:center;gap:6px;padding:6px 8px;border-radius:10px}
.links-inline a:hover{background:rgba(0,0,0,.04);text-decoration:none}
.inline-benefits{display:flex;gap:8px;flex-wrap:wrap;justify-content:center;margin-top:6px}
.inline-benefits .item{display:inline-flex;align-items:center;gap:6px;color:#4b5563;font-size:.95rem}
.disclaimer{font-size:.9rem;color:#6b7280;margin:8px 0 12px;padding:8px 10px;border:1px solid #e5e7eb;border-radius:8px;background:transparent}
.card .disclaimer{display:block;width:100%;max-width:none;box-sizing:border-box}
.disclaimer small{display:block;margin-top:4px;color:#94a3b8;font-size:.82rem}
.fine-check-links{display:flex;gap:12px;flex-wrap:wrap;justify-content:center;margin-top:10px}
.fine-check-links a{display:inline-flex;align-items:center;gap:6px;padding:6px 10px;border:1px solid var(--border);border-radius:8px;background:#fff;color:var(--primary);font-weight:600}
.fine-check-links a:hover{background:var(--surface);text-decoration:none}
.fine-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px;margin-top:20px}
.fine-item{background:#fff;padding:20px;border-radius:12px;box-shadow:0 4px 14px rgba(0,0,0,.06);border:1px solid var(--border);display:flex;flex-direction:column;min-height:170px;transition:transform .12s ease,box-shadow .2s ease}
.fine-item h3{margin-top:0;margin-bottom:8px}
.fine-item p{flex:1;margin:0 0 10px;color:#4b5563}
.fine-item:hover{transform:translateY(-2px);box-shadow:0 10px 24px rgba(0,0,0,.08)}
.fine-item a{display:inline-block;margin-top:10px;font-weight:600}
.calc-header .badge{background:#fff;border:1px solid var(--border);color:#0a2d52;border-radius:8px;padding:4px 8px;font-weight:600;box-shadow:none}
.faq-toggle-btn{display:inline-block;background:#0a2d52;color:#fff;padding:8px 12px;border-radius:12px;margin:6px 8px 6px 0;cursor:pointer;font-weight:600;font-family:Montserrat,Inter;border:0}
.faq-answer-card{padding:12px;border:1px solid var(--border);border-radius:8px;margin:8px 0 16px 0;background:#f9fafb}
.table-scroll{overflow-x:auto;max-width:100%;-webkit-overflow-scrolling:touch}
.table-scroll table{width:100%;min-width:640px;border-collapse:collapse}
.table-scroll table th,.table-scroll table td{padding:10px 12px;border-bottom:1px solid var(--border);vertical-align:middle}
.table-scroll table th{background:var(--surface);font-weight:600}
.table-scroll table tbody tr:nth-child(odd){background:#fff}
.table-scroll table tbody tr:nth-child(even){background:#f9fbfd}
.table-responsive{width:100%;overflow-x:auto;-webkit-overflow-scrolling:touch}
.table-responsive table{min-width:600px;width:100%;border-collapse:collapse}
.table-responsive table th,.table-responsive table td{white-space:nowrap}
.sitemap-block{width:100%}
.sitemap-block iframe{
  display:block;
  width:100% !important;
  max-width:100%;
  height:auto;
  aspect-ratio:4/3;
  min-height:320px;
  border:0;
  border-radius:12px;
}
@media(max-width:640px){
  .sitemap-block iframe{min-height:260px}
  .table-responsive{margin-bottom:8px}
  .table-responsive table.table-stack{min-width:0;width:100%;display:block}
  .table-responsive table.table-stack thead{display:none}
  .table-responsive table.table-stack tbody{display:block}
  .table-responsive table.table-stack tr{display:block;margin:8px 0;padding:12px;border:1px solid var(--border);border-radius:12px;background:#fff}
  .table-responsive table.table-stack td{display:grid;grid-template-columns:130px 1fr;align-items:start;gap:8px;padding:6px 0;border:none;white-space:normal}
  .table-responsive table.table-stack td::before{content:attr(data-label);color:#6b7280;font-weight:600;white-space:nowrap}
}
.authority-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}
.authority-card{display:flex;flex-direction:column;justify-content:flex-start;gap:8px;padding:16px;border:1px solid var(--border);border-radius:14px;background:#fff;box-shadow:0 1px 2px rgba(0,0,0,.05);transition:transform .15s ease,box-shadow .15s ease}
.authority-card .icon{width:28px;height:28px;color:#0a2d52}
.authority-card .title{font-weight:700}
.authority-card .desc{color:#4b5563}
.authority-card:hover{transform:translateY(-2px);box-shadow:0 8px 20px rgba(0,0,0,.08)}
.authority-card.primary{background:#0a2d52;color:#fff;border-color:#0a2d52;box-shadow:0 6px 18px rgba(10,45,82,.25)}
.authority-card.primary .icon{color:#fff}
.authority-card.primary .desc{color:#e5e7eb}
.authority-card.external .title::after{content:'↗';margin-left:6px;font-weight:600;color:#64748b}
.authority-card.trust{background:#f9fbfd}
.authority-card .btn.primary{align-self:flex-start}
.trust-head{display:flex;align-items:center;gap:10px}
.avatar{width:36px;height:36px;border-radius:50%;background:#dbeafe;border:1px solid #bfdbfe}
.trust-meta .trust-name{font-weight:700}
.trust-meta .trust-role{color:#6b7280}
.trust-badges{display:flex;gap:8px;flex-wrap:wrap}
.badge{display:inline-block;padding:6px 10px;border-radius:999px;background:#eef2ff;color:#4338ca;font-weight:600;font-size:.85rem}
.badge.neutral{background:#f1f5f9;color:#0f172a}
.latest-guides .badge{background:#fff;border:1px solid var(--border);color:#0a2d52;border-radius:999px;padding:4px 10px;font-weight:600;box-shadow:none}
.latest-guides .list li{padding:14px;border-radius:12px;background:linear-gradient(0deg,#fff, #fff);box-shadow:0 1px 3px rgba(0,0,0,.05);transition:transform .12s ease,box-shadow .2s ease}
.latest-guides .list li:hover{transform:translateY(-2px);box-shadow:0 10px 22px rgba(0,0,0,.08)}
@media(max-width:900px){
  .authority-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media(max-width:640px){
  .authority-grid{grid-template-columns:1fr}
}

/* === UX/UI Modernization (Homepage) === */
/* Typography & readability */
body{line-height:1.75}
.container p,.container li,.card p,.card li{line-height:1.75;max-width:800px}
/* Allow guide list items to span full card width so titles + dates can use the row */
.card .meta-list li{max-width:none}
.container ul{padding-left:20px}

/* Sticky translucent header with blur */
header.site{position:sticky;top:0;z-index:1000;background:rgba(255,255,255,.75);backdrop-filter:saturate(180%) blur(8px);-webkit-backdrop-filter:saturate(180%) blur(8px)}

/* Hero prominence and primary button */
.hero{padding:64px 0;background:linear-gradient(180deg,rgba(0,51,102,.06),transparent)}
.btn{padding:12px 18px;border-radius:12px;box-shadow:0 8px 16px rgba(0,0,0,.06);transition:transform .12s ease,box-shadow .2s ease,filter .2s ease}
.btn:hover{transform:translateY(-1px);box-shadow:0 12px 24px rgba(0,0,0,.08)}
.btn.large{padding:16px 22px;border-radius:14px}

/* Search input focus */
.search input{transition:border-color .2s ease,box-shadow .2s ease}
.search input:focus{outline:none;border-color:#7aa2c8;box-shadow:0 0 0 4px rgba(0,51,102,.12)}

/* Card design refinements */
.card{box-shadow:0 6px 18px rgba(0,0,0,.06)}
.cta-block{box-shadow:0 6px 18px rgba(0,0,0,.06)}
.quick-links a{padding:8px 12px;border-radius:12px;box-shadow:0 4px 12px rgba(0,0,0,.04);transition:transform .12s ease,box-shadow .2s ease}
.quick-links a:hover{transform:translateY(-1px);box-shadow:0 10px 20px rgba(0,0,0,.08)}

/* Quick Answer emphasis */
.quick-answer,.quick-answer-box,#quick-answer.quick-answer{border-left:4px solid #0a66c2;background:#f7fbff;padding:16px;border-radius:12px}
.breadcrumb{margin-bottom:8px}
.popular-calc-links{display:flex;gap:8px;flex-wrap:wrap}

/* FAQ animations & buttons */
.faq-toggle-btn{padding:10px 14px;transition:background-color .2s ease,transform .12s ease,box-shadow .2s ease}
.faq-toggle-btn:hover{transform:translateY(-1px);box-shadow:0 6px 16px rgba(10,45,82,.2)}
.faq-toggle-btn[aria-expanded="true"]{background:#0c3a6b}
.faq-answer-card{max-height:0;opacity:0;overflow:hidden;transition:max-height .24s ease,opacity .24s ease,padding .24s ease}
.faq-toggle-btn[aria-expanded="true"]+.faq-answer-card{max-height:800px;opacity:1;padding:12px}

/* Mobile hero actions stacking & width fixes */
@media(max-width:768px){
  .hero .container>div{display:flex !important;flex-direction:column !important;gap:12px !important}
  .hero .container>div>.btn{width:100%;justify-content:center}
  .hero .container form.search{width:100% !important;max-width:100% !important;display:flex !important;flex-direction:column !important;gap:12px}
  .hero .container form.search input,
  .hero .container form.search button{width:100%}
  .hero{padding:56px 0}
}

/* Premium meta chip for updated dates on category lists */
.meta-chip{display:inline-flex;align-items:center;gap:8px;padding:6px 12px;border-radius:12px;background:linear-gradient(180deg,#f9fbfd,#eef2f7);border:1px solid #d8e0ea;box-shadow:0 2px 10px rgba(13,42,72,.06);font-weight:700}
.meta-chip .k{font-size:.72rem;letter-spacing:.3px;text-transform:uppercase;color:#64748b}
.meta-chip .v{font-size:.85rem;color:#0a2d52}
.meta-chip .ic{width:16px;height:16px;color:#0a2d52;opacity:.9}
.list li .meta-chip{flex-shrink:0}
.meta-chip:hover{background:linear-gradient(180deg,#ffffff,#eff4f9);border-color:#cbd6e3}
/* Stacked meta chip variant for tight headers */
.meta-chip.stack{display:inline-flex;flex-direction:column;align-items:center;padding:8px 12px}
.meta-chip.stack .row{display:inline-flex;align-items:center;gap:6px;line-height:1}
.meta-chip.stack .k{font-size:.72rem;letter-spacing:.3px;text-transform:uppercase}
.meta-chip.stack .v{display:block;margin-top:2px;font-size:.95rem;font-weight:700}
@media(max-width:640px){
  .meta-list li{flex-direction:column;align-items:flex-start;gap:6px}
  .meta-list li .meta-chip{margin-top:2px}
}
@media(min-width:901px){
  .meta-list li{display:block !important}
  .li-grid{display:grid;grid-template-columns:minmax(0,1fr) max-content;align-items:center;column-gap:56px}
  .li-grid .li-meta{justify-self:end}
  .meta-list li a{min-width:0}
  .meta-list li .meta-chip{min-width:160px;white-space:nowrap;text-align:center}
}

/* Wide screens: keep date chip on the far right, but let titles breathe */
@media(min-width:1100px){
  .meta-list li{display:block !important}
  .li-grid{
    display:grid;
    grid-template-columns:minmax(0,1fr) max-content;
    align-items:center;
    column-gap:72px;
  }
  .li-grid .li-meta{
    position:static;
    transform:none;
    justify-self:end;
  }
  .li-grid .meta-chip{min-width:180px}
}