/* Shared additions: accessibility, consent, nav, footer, funnel, articles */
.skip{position:absolute;left:-9999px;top:8px;z-index:3000;background:var(--navy);color:#fff;padding:10px 16px;border-radius:8px;font-weight:700;}
.skip:focus{left:12px;}
header .nav{gap:18px;}
.navlinks{gap:6px !important;}
.navlinks a{padding:12px 9px;display:inline-flex;align-items:center;min-height:44px;font-size:14px;}
.nav-cta{padding:11px 20px;font-size:14px;white-space:nowrap;}
@media (max-width:1080px){.navlinks{display:none !important;}}
.foot-cols{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr 1fr 1.7fr !important;gap:26px !important;}
.foot-cols>div{min-width:0;}
.foot-cols a{display:block;padding:6px 0;min-height:32px;overflow-wrap:anywhere;}
.foot-cols a.logo{display:flex;padding:0;}
.foot-cols h5{margin:0 0 8px;}
.social{display:flex;flex-wrap:wrap;gap:6px 14px;margin-top:10px;}
.social[hidden],.social a[hidden]{display:none !important;}
@media (max-width:1000px){.foot-cols{grid-template-columns:repeat(3,1fr) !important;}}
@media (max-width:560px){.foot-cols{grid-template-columns:repeat(2,1fr) !important;}.foot-cols>div:first-child{grid-column:1/-1;}}
.faq-item summary{min-height:48px;}
.qtag,.chip-sub,.rel a{min-height:36px;display:inline-flex;align-items:center;}
.hero-chips span{min-height:34px;display:inline-flex;align-items:center;}
.hp-field{position:absolute !important;left:-9999px !important;width:1px;height:1px;overflow:hidden;}
#cookieBar{position:fixed;left:16px;bottom:16px;right:16px;max-width:560px;z-index:1200;background:#fff;border:1px solid var(--line);border-radius:14px;padding:14px 16px;display:flex;gap:14px;align-items:center;flex-wrap:wrap;box-shadow:0 20px 50px -20px rgba(10,55,64,.55);font-size:13px;color:var(--text);}
#cookieBar p{margin:0;flex:1 1 260px;line-height:1.5;}
#cookieBar a{color:var(--navy);font-weight:700;}
#cookieBar div{display:flex;gap:8px;}
#cookieBar button{border-radius:999px;padding:10px 18px;font-weight:700;font-size:13px;cursor:pointer;border:1.5px solid var(--line);background:#fff;color:var(--navy);min-height:40px;}
#cookieBar .cb-yes{background:var(--accent);border-color:var(--accent);color:#fff;}
@media (max-width:640px){#cookieBar{bottom:78px;}}
.review-links{text-align:center;margin-top:22px;}
.review-links a[hidden]{display:none !important;}
.updated{font-size:12.5px;color:var(--sub);text-align:center;margin:10px 0 0;}
/* Sub page helpers */
.sub-sec{padding:64px 0;}
.prose{max-width:760px;margin:0 auto;font-size:16px;line-height:1.8;color:var(--text);}
.prose h2{font-size:24px;color:var(--navy);margin:34px 0 10px;}
.prose h3{font-size:18px;color:var(--navy);margin:24px 0 8px;}
.prose ul{padding-left:22px;}.prose li{margin-bottom:8px;}
.prose .callout{background:var(--panel);border-left:4px solid var(--accent);padding:14px 18px;border-radius:10px;font-size:14.5px;margin:22px 0;}
.art-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:18px;margin-top:28px;}
.art-card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:22px;text-decoration:none;color:inherit;display:flex;flex-direction:column;gap:8px;transition:transform .25s,box-shadow .25s;}
.art-card:hover{transform:translateY(-4px);box-shadow:0 20px 36px -24px rgba(10,55,64,.45);}
.art-card .cat{font-size:11.5px;font-weight:800;letter-spacing:.06em;text-transform:uppercase;color:var(--accent-text);}
.art-card h3{margin:0;font-size:18px;color:var(--navy);line-height:1.3;}
.art-card p{margin:0;font-size:14px;color:var(--sub);line-height:1.6;}
.art-card .more{margin-top:auto;font-weight:700;color:var(--navy);font-size:14px;}
/* Funnel */
.gs-wrap{max-width:720px;margin:0 auto;padding:36px 16px 70px;}
.gs-top{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-bottom:10px;font-size:13px;color:var(--sub);font-weight:600;}
.gs-bar{height:8px;border-radius:99px;background:var(--line);overflow:hidden;margin-bottom:26px;}
.gs-bar i{display:block;height:100%;width:0;background:linear-gradient(90deg,var(--navy-2),var(--accent));transition:width .35s ease;}
.gs-card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:30px 26px;box-shadow:0 24px 50px -34px rgba(10,55,64,.5);}
.gs-card h1,.gs-card h2{font-size:clamp(22px,3.4vw,30px);color:var(--navy);margin:0 0 6px;line-height:1.2;}
.gs-card .hint{color:var(--sub);font-size:14.5px;margin:0 0 20px;}
.gs-opts{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:12px;}
.gs-opt{border:1.5px solid var(--line);border-radius:14px;padding:16px;background:#fff;text-align:left;font:inherit;font-weight:700;color:var(--navy);cursor:pointer;min-height:56px;transition:border-color .2s,background .2s,transform .2s;}
.gs-opt small{display:block;font-weight:500;color:var(--sub);margin-top:3px;font-size:12.5px;}
.gs-opt:hover{border-color:var(--accent);transform:translateY(-2px);}
.gs-opt.sel{border-color:var(--accent);background:rgba(35,134,47,.07);}
.gs-nav{display:flex;justify-content:space-between;gap:12px;margin-top:22px;}
.gs-back{background:none;border:none;color:var(--sub);font-weight:700;cursor:pointer;padding:12px 4px;min-height:44px;font:inherit;}
.gs-fields{display:grid;grid-template-columns:1fr 1fr;gap:12px;}
.gs-fields .f{display:flex;flex-direction:column;gap:5px;}
.gs-fields .f.full{grid-column:1/-1;}
.gs-fields label{font-size:13px;font-weight:700;color:var(--navy);}
.gs-fields input,.gs-fields select{border:1.5px solid var(--line);border-radius:10px;padding:12px;font:inherit;min-height:46px;}
@media (max-width:560px){.gs-fields{grid-template-columns:1fr;}}
.gs-check{display:flex;gap:10px;align-items:flex-start;font-size:13px;color:var(--sub);line-height:1.5;margin-top:12px;}
.gs-check input{margin-top:3px;width:18px;height:18px;flex:none;}
.gs-err{color:#c0392b;font-size:13.5px;margin-top:10px;min-height:18px;}
.gs-done{text-align:center;}
.gs-done .tick{width:64px;height:64px;border-radius:50%;background:rgba(35,134,47,.12);color:var(--accent);font-size:32px;display:flex;align-items:center;justify-content:center;margin:0 auto 14px;}
/* Calculators hub */
.tool-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(320px,1fr));gap:22px;margin-top:28px;}
.tool{background:#fff;border:1px solid var(--line);border-radius:18px;padding:24px;}
.tool h3{margin:0 0 4px;color:var(--navy);}
.tool .f{display:flex;flex-direction:column;gap:5px;margin:12px 0;}
.tool label{font-size:13px;font-weight:700;color:var(--navy);}
.tool input,.tool select{border:1.5px solid var(--line);border-radius:10px;padding:11px;font:inherit;min-height:44px;}
.tool .out{background:var(--panel);border-radius:12px;padding:16px;margin-top:14px;font-size:14px;color:var(--text);line-height:1.6;}
.tool .out b{font-size:24px;color:var(--navy);display:block;}
.tool .small{font-size:12px;color:var(--sub);margin-top:10px;line-height:1.55;}
/* Housekeeping: consistent 44px tap targets */
.btn,a.btn,button.btn{min-height:44px;display:inline-flex;align-items:center;justify-content:center;}
a.logo{min-height:44px;display:inline-flex;align-items:center;}
.tm-card a{display:inline-flex;align-items:center;justify-content:center;min-height:44px;padding:0 6px;max-width:100%;overflow-wrap:anywhere;}
.broker-wrap .btn,.hs-card .btn{min-height:44px;}

@media (min-width:901px){.foot-cols a[href^="mailto"]{overflow-wrap:normal;font-size:13px;}}
.team-flex{display:flex;flex-wrap:wrap;justify-content:center;gap:18px;margin-top:28px;}
.team-flex .tm-card{flex:0 1 250px;}

@media (min-width:901px){.grid4.grid-3{grid-template-columns:repeat(3,1fr);max-width:1000px;margin-left:auto;margin-right:auto;}}

/* Footer tidy */
.foot-cols{align-items:start;}
.foot-cols a{padding:5px 0 !important;min-height:34px !important;line-height:1.35;}
.foot-cols a.logo{padding:0 !important;min-height:44px !important;margin:-4px 0 14px !important;}
.foot-cols p{font-size:14px;color:var(--sub);hyphens:none;-webkit-hyphens:none;}
.foot-cols h5{margin:0 0 10px !important;}
.foot-cols>div:last-child p{margin:8px 0 0 !important;}
@media (min-width:1001px){
 .foot-cols{grid-template-columns:1.5fr 1fr 1.25fr 1fr 1fr 1.6fr !important;}
 .foot-cols>div:nth-child(3){display:grid;grid-template-columns:1fr 1fr;column-gap:18px;align-content:start;}
 .foot-cols>div:nth-child(3) h5{grid-column:1/-1;}
}
@media (max-width:1000px) and (min-width:561px){.foot-cols>div:nth-child(3){display:grid;grid-template-columns:1fr 1fr;column-gap:14px;align-content:start;}.foot-cols>div:nth-child(3) h5{grid-column:1/-1;}}
.foot-bottom{display:flex;flex-direction:column;gap:8px;padding-top:16px;}
.foot-cols a{margin-bottom:0 !important;}
.foot-cols a.logo .logo-text{font-size:15px;white-space:nowrap;}
@media (min-width:1001px){.foot-cols{grid-template-columns:1.8fr 1fr 1.25fr 1fr 1fr 1.5fr !important;gap:24px !important;}}
@media (max-width:560px){.foot-cols>div:last-child{grid-column:1/-1;}.foot-bottom span{line-height:1.6;}}
@media (min-width:1001px) and (max-width:1200px){.foot-cols{grid-template-columns:1.5fr 1fr 1.2fr 1fr 1fr 1.7fr !important;gap:16px !important;}.foot-cols a[href^="mailto"]{font-size:12px;}}
/* Calculators layout */
.tool-grid{grid-template-columns:repeat(2,minmax(0,1fr)) !important;max-width:980px;margin-left:auto;margin-right:auto;align-items:stretch;}
@media (max-width:800px){.tool-grid{grid-template-columns:1fr !important;}}
.tool{display:flex;flex-direction:column;}
.tool>p:not(.small){font-size:14.5px;line-height:1.6;color:var(--sub);margin:6px 0 16px;}
.tool .rel{display:grid;grid-template-columns:repeat(4,1fr);gap:8px;justify-content:stretch;}
.tool .rel a{text-align:center;justify-content:center;min-height:44px;display:inline-flex;align-items:center;}
.tool>.btn{margin-top:auto;align-self:flex-start;}
.tool>.btn.btn-accent[type=button]{align-self:flex-start;}
.tool .out{min-height:84px;}
.tool .small{margin-top:12px;}
.sub-hero+.sub-sec{padding-top:8px;}
@media (max-width:800px){.tool-grid{grid-template-columns:minmax(0,1fr) !important;}}
.tool{min-width:0;}
@media (max-width:420px){.tool .rel{gap:6px;}.tool .rel a{padding:0 2px;font-size:13px;}}