:root{--navy:#0A2647;--green:#15774F;--green-dark:#0F5C3C;--line:#DCE2E8;--ink:#16202E;--soft:#56616F;--surface:#F5F7F9}
html{scroll-behavior:smooth}
body{margin:0;font-family:"IBM Plex Sans",-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;color:var(--ink)}
.wp-site-blocks{padding:0!important}
.wp-site-blocks>*{margin-block-start:0!important}
.skip{position:absolute;left:-9999px;top:8px;background:var(--navy);color:#fff;padding:8px 14px;border-radius:6px;z-index:200}
.skip:focus{left:8px}
.site-header{position:sticky;top:0;z-index:100;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 1px 0 rgba(10,38,71,.03)}
.hd-inner{max-width:1240px;margin:0 auto;padding:10px clamp(16px,3vw,32px);display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:flex;align-items:center;text-decoration:none;flex:none}
.brand img{height:46px;width:auto;display:block}
.brand-text{font:600 18px Georgia,serif;color:var(--navy)}
.site-nav{display:flex;align-items:center;gap:28px}
.nav-list{list-style:none;margin:0;padding:0;display:flex;align-items:center;gap:6px}
.nav-list a,.sub-toggle{display:inline-flex;align-items:center;gap:6px;padding:10px 14px;border-radius:6px;font-family:inherit;font-size:15px;font-weight:500;line-height:1.2;color:var(--ink);text-decoration:none;background:none;border:0;cursor:pointer}
.nav-list a:hover,.sub-toggle:hover,.nav-list a[aria-current],.sub-toggle[aria-current]{color:var(--green);background:#EAF4EE}
.has-sub{position:relative}
.sub{list-style:none;margin:0;padding:8px;position:absolute;top:100%;left:0;min-width:320px;background:#fff;border:1px solid var(--line);border-radius:10px;box-shadow:0 12px 32px rgba(10,38,71,.12);display:none}
.has-sub:hover>.sub,.has-sub.open>.sub,.has-sub:focus-within>.sub{display:block}
.sub a{display:block;width:100%;box-sizing:border-box;white-space:nowrap}
.hd-cta{padding:11px 20px;border-radius:6px;background:var(--green);color:#fff;font-family:inherit;font-size:15px;font-weight:600;line-height:1.2;text-decoration:none;white-space:nowrap}
.hd-cta:hover{background:var(--green-dark)}
.menu-btn{display:none;width:44px;height:44px;border:1px solid var(--line);border-radius:8px;background:#fff;cursor:pointer;padding:0;flex-direction:column;align-items:center;justify-content:center;gap:5px}
.menu-btn span{display:block;width:20px;height:2px;background:var(--navy);border-radius:2px}
a:focus-visible,button:focus-visible,input:focus-visible,textarea:focus-visible{outline:2px solid var(--green);outline-offset:2px}
.site-footer{background:var(--navy);color:#D5DEE9;margin-top:64px}
.ft-inner{max-width:1240px;margin:0 auto;padding:56px clamp(16px,3vw,32px) 40px;display:grid;grid-template-columns:1.6fr 1.3fr 1fr 1fr;gap:40px}
.ft-logo{display:inline-block;background:#fff;border-radius:8px;padding:8px 12px}
.ft-logo img{height:40px;width:auto;display:block}
.ft-brand p{margin:16px 0 0;font-size:14.5px;line-height:1.6;max-width:36ch}
.site-footer h3{margin:0 0 14px;font:600 16px Georgia,serif;color:#fff}
.site-footer ul{list-style:none;margin:0;padding:0;display:grid;gap:10px}
.site-footer a{color:#D5DEE9;text-decoration:none;font-size:14.5px}
.site-footer a:hover{color:#fff;text-decoration:underline}
.ft-bar{border-top:1px solid rgba(255,255,255,.14);max-width:1240px;margin:0 auto;padding:20px clamp(16px,3vw,32px) 28px;display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap}
.ft-bar p{margin:0;font-size:13px;color:#A9B7C8;max-width:70ch}
.page-main{max-width:820px;margin:0 auto;padding:48px clamp(16px,4vw,32px) 0}
.page-inner h1{font:600 clamp(28px,4vw,40px) Georgia,serif;color:var(--navy);margin:0 0 20px}
.page-inner h2{font:600 22px Georgia,serif;color:var(--navy);margin:32px 0 8px}
.page-inner p{line-height:1.7;color:var(--ink);font-size:16.5px}
.cf{display:grid;gap:16px;margin:24px 0 12px}
.cf label{display:grid;gap:6px;font-weight:600;font-size:14px;color:var(--soft)}
.cf input,.cf textarea{font:inherit;padding:13px 14px;border:1.5px solid var(--line);border-radius:6px;color:var(--ink)}
.cf-btn{justify-self:start;padding:13px 24px;border:0;border-radius:6px;background:var(--green);color:#fff;font-family:inherit;font-size:15px;font-weight:600;cursor:pointer}
.cf-btn:hover{background:var(--green-dark)}
.cf-note{font-size:14px!important;color:var(--soft)!important}
@media (max-width:980px){
 .menu-btn{display:flex}
 .site-nav{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);padding:12px clamp(16px,3vw,32px) 20px;flex-direction:column;align-items:stretch;gap:12px;max-height:calc(100vh - 70px);overflow:auto}
 .site-nav.open{display:flex}
 .nav-list{flex-direction:column;align-items:stretch}
 .sub{position:static;display:none;box-shadow:none;border:0;min-width:0;padding:0 0 0 14px}
 .has-sub:hover>.sub{display:none}
 .has-sub.open>.sub{display:block}
 .sub-toggle{width:100%;justify-content:space-between}
 .hd-cta{text-align:center}
 .ft-inner{grid-template-columns:1fr 1fr}
}
@media (max-width:560px){.ft-inner{grid-template-columns:1fr}}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
.ft-mail{margin-top:14px!important}
.ft-mail a{color:#fff;font-weight:600;text-decoration:underline}
.page-inner p a{color:var(--green);font-weight:600}
.page-inner ul{margin:8px 0 20px;padding-left:1.2em;display:grid;gap:6px}
.page-inner li{line-height:1.65;font-size:16.5px}
.page-inner h3{font:600 18px Georgia,serif;color:var(--navy);margin:22px 0 6px}
.page-inner blockquote{margin:16px 0;padding:14px 18px;border-left:4px solid var(--green);background:#EAF4EE;color:var(--navy);font:600 18px/1.5 Georgia,serif;border-radius:0 8px 8px 0}
.page-inner .meta{color:var(--soft);font-size:14.5px;margin:0 0 20px}

/* ===== Calculator pages: other calculators section ===== */
#more-calculators a{text-decoration:none}
#more-calculators .calc-card h4 a{color:inherit;display:block}
#more-calculators .calc-card h4 a:hover{color:var(--green)}
#more-calculators .calc-card .btn{color:var(--navy);justify-content:center}
#more-calculators .calc-card:hover .btn-sm{color:var(--green)}
html{scroll-padding-top:80px}
.page-inner a{overflow-wrap:anywhere}
@media (hover:none){
 #more-calculators .calc-card:hover{transform:none;box-shadow:none}
 #more-calculators .calc-card:hover .icon{transform:none}
}

/* ===== Mobile optimisation (phones) ===== */
@media (max-width:640px){
 .wp-block-post-title{text-align:center;font-size:clamp(27px,8vw,34px)!important;line-height:1.15!important;margin-bottom:6px!important}
 #calculator .lede{padding-top:4px!important}
 /* other calculators */
 #more-calculators.full-bleed-fix{padding-top:44px;padding-bottom:44px}
 #more-calculators .section-head{margin-bottom:8px}
 #more-calculators .calc-cards{margin-top:22px;gap:12px}
 #more-calculators .calc-card{gap:10px}
 #more-calculators .calc-card h4{font-size:15px;line-height:1.3}
 #more-calculators .calc-card h4 a{padding:4px 0}
 #more-calculators .calc-card .btn,#more-calculators a.calc-toggle{min-height:46px}
 #more-calculators .calc-card .btn{width:100%;box-sizing:border-box}
 /* how this estimate works */
 #methodology .trust-card{padding:20px}
 /* faq */
 #faq{padding-top:48px;padding-bottom:48px}
 #faq .wrap{padding-left:0;padding-right:0}
 #faq .section-head{margin-bottom:24px}
 .faq-item{padding:0!important;margin-bottom:10px}
 .faq-item summary{display:flex;justify-content:space-between;align-items:flex-start;gap:12px;padding:16px 18px;min-height:48px;box-sizing:border-box;line-height:1.4}
 .faq-item summary::after{float:none;flex:none;line-height:1.2}
 .faq-item p{padding:0 18px 18px;margin:0!important}
 /* calculator result cards line up */
 #calculator .result-stats > div{display:flex;flex-direction:column;justify-content:space-between;gap:6px;padding:14px 14px}
 #calculator .result-stats .value{font-size:18px}
 #calculator .addon-row small,#calculator .addon-row .desc{font-size:13px}
 /* comfortable tap areas in footer */
 .site-footer ul{gap:0}
 .site-footer li a{display:inline-block;padding:11px 0}
 .ft-mail a{display:inline-block;padding:8px 0}
 .ft-inner{padding:44px 20px 24px;gap:28px}
 .ft-bar{padding:18px 20px 28px}
 .hd-inner{padding:8px 16px}
 .brand img{height:40px}
 .page-main{padding-top:32px}
 .page-inner h1{font-size:28px}
 .page-inner li,.page-inner p{font-size:16px}
}

/* ===== Blogs ===== */
.blog-main{max-width:1180px;margin:0 auto;padding:56px clamp(16px,3vw,32px) 0}
.blog-head{text-align:center;max-width:720px;margin:0 auto 40px}
.blog-eyebrow{font-weight:600;font-size:13px;color:var(--green);margin:0 0 12px}
.blog-head h1{font:600 clamp(28px,4vw,42px)/1.15 Georgia,serif;color:var(--navy);margin:0 0 14px}
.blog-lede{font-size:17px;line-height:1.6;color:var(--soft);margin:0}
.blog-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px}
.blog-card{border:1px solid var(--line);border-radius:10px;background:#fff;overflow:hidden;display:flex;flex-direction:column}
.blog-card-img img{display:block;width:100%;height:auto;aspect-ratio:16/9;object-fit:cover}
.blog-card-body{padding:22px;display:flex;flex-direction:column;gap:10px;flex:1}
.blog-card h2{font:600 20px/1.3 Georgia,serif;margin:0}
.blog-card h2 a{color:var(--navy);text-decoration:none}
.blog-card h2 a:hover{color:var(--green)}
.blog-card p{margin:0;color:var(--soft);line-height:1.6;font-size:15px}
.blog-meta{font-size:13.5px;color:var(--soft)!important}
.blog-meta a{color:var(--green);text-decoration:none;font-weight:600}
.blog-more{margin-top:auto;font-weight:600;color:var(--green);text-decoration:none;padding:8px 0;font-size:15px}
.blog-empty{grid-column:1/-1;text-align:center;padding:64px 20px;border:1px dashed var(--line);border-radius:12px;background:var(--surface);color:var(--soft);font-size:17px}
.blog-empty p{margin:0}
.post-main{max-width:760px;margin:0 auto;padding:48px clamp(16px,4vw,32px) 0}
.post-inner h1{font:600 clamp(28px,4vw,40px)/1.2 Georgia,serif;color:var(--navy);margin:8px 0 16px}
.post-inner h2{font:600 24px Georgia,serif;color:var(--navy);margin:32px 0 10px}
.post-inner p,.post-inner li{font-size:17px;line-height:1.75}
.post-lede{font-size:19px!important;color:var(--soft)}
.post-back a{color:var(--green);font-weight:600;text-decoration:none}
@media (max-width:980px){.blog-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:640px){.blog-main{padding-top:36px}.blog-grid{grid-template-columns:1fr;gap:18px}.blog-head{margin-bottom:28px}.blog-empty{padding:44px 16px}.post-main{padding-top:32px}.post-inner p,.post-inner li{font-size:16.5px}}

/* spacing above footer on home and new pages */
body[data-page="index"] .wp-site-blocks>.site-footer{margin-block-start:64px!important}
.blog-main,.post-main{padding-bottom:72px}
@media (max-width:640px){body[data-page="index"] .wp-site-blocks>.site-footer{margin-block-start:44px!important}.blog-main,.post-main{padding-bottom:48px}}

/* Page guide section (calculator pages) */
.page-guide{padding:8px 0 40px}
.page-guide .pg-inner{max-width:820px;margin:0 auto;padding:0 clamp(14px,4vw,24px)}
.page-guide h2{margin:0 0 12px;font-size:clamp(22px,3vw,28px);line-height:1.25}
.page-guide p{margin:0 0 14px;line-height:1.65;color:#16202E}
.page-guide a{color:#15774F;text-decoration:underline;text-underline-offset:2px}
.page-guide a:hover{color:#0F5C3C}