/* ============================================================
   Skolupasaulis.lt — fintech UI v4
   ============================================================ */
:root{
  --brand:#0e7a56;--brand-600:#0b6446;--brand-700:#083d2c;
  --brand-tint:#e9f6f0;--brand-tint-2:#f3faf7;
  --accent:#ff7a2f;--accent-600:#ef6a1c;
  --ink:#0f1c17;--ink-2:#33443d;--muted:#647a71;
  --line:#e4ece8;--line-2:#eef4f1;
  --bg:#ffffff;--bg-soft:#f5faf8;--bg-card:#ffffff;
  --ok:#127a48;--ok-bg:#e7f6ee;--bad:#c23b28;--bad-bg:#fbecea;--star:#f5a623;
  --r:16px;--r-sm:10px;--r-lg:22px;
  --sh-sm:0 1px 2px rgba(8,61,44,.05),0 2px 10px rgba(8,61,44,.05);
  --sh:0 10px 30px rgba(8,61,44,.10);
  --sh-lg:0 22px 54px rgba(8,61,44,.16);
  --wrap:1200px;--measure:70ch;--hh:72px;
  --font:"IBM Plex Sans",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;
}
@media (prefers-color-scheme: dark){
  :root{--brand:#3ac491;--brand-600:#55d0a0;--brand-700:#27a377;
    --brand-tint:#12241d;--brand-tint-2:#0f1d18;--accent:#ff9052;--accent-600:#ff7a2f;
    --ink:#e9f3ee;--ink-2:#c6d6ce;--muted:#93a79d;--line:#20302a;--line-2:#1a2620;
    --bg:#0c1411;--bg-soft:#101a15;--bg-card:#131e19;--ok:#43c489;--ok-bg:#122a1f;--bad:#f0796a;--bad-bg:#2a1614;
    --sh-sm:0 1px 3px rgba(0,0,0,.4);--sh:0 12px 32px rgba(0,0,0,.5);--sh-lg:0 26px 60px rgba(0,0,0,.6);}
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font-family:var(--font);color:var(--ink);background:var(--bg);font-size:17px;line-height:1.72;-webkit-font-smoothing:antialiased;overflow-x:hidden}
.wrap{max-width:var(--wrap);margin-inline:auto;padding-inline:24px}
img{max-width:100%;height:auto}
a{color:var(--brand-600);text-underline-offset:3px}
h1,h2,h3,h4{color:var(--ink);line-height:1.24;letter-spacing:-.018em;font-weight:600}
h1{font-size:clamp(1.95rem,4.2vw,2.7rem);margin:.1em 0 .3em}
h2{font-size:clamp(1.4rem,2.6vw,1.85rem);margin:1.85em 0 .5em;scroll-margin-top:calc(var(--hh) + 16px)}
h3{font-size:1.18rem;font-weight:600;margin:1.4em 0 .35em;scroll-margin-top:calc(var(--hh) + 16px)}
p{margin:.5em 0 1.05em}
.visually-hidden,.skip-link{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip-link:focus{position:fixed;top:8px;left:8px;width:auto;height:auto;clip:auto;background:var(--brand);color:#fff;padding:10px 16px;border-radius:10px;z-index:3000}
.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:.74rem;font-weight:600;color:var(--brand-600);margin:0 0 .2em}

/* ---------------- Brand / logo ---------------- */
.brand{display:inline-flex;align-items:center;gap:10px;text-decoration:none;flex:none}
.brand-logo{height:38px;width:auto;display:block}
.site-footer .brand-logo{height:34px}
.card-logo{height:30px;width:auto;max-width:150px;object-fit:contain;display:block;margin-bottom:12px}
.side-lender .sl-logo{height:22px;width:auto;max-width:100px;object-fit:contain;display:block;margin-bottom:3px}
.faq-item summary .faq-q{display:inline;margin:0;font-size:1rem;font-weight:600;line-height:1.4}
.aff-disclosure{font-size:.82rem;line-height:1.5;color:var(--muted);background:var(--bg-soft);border:1px solid var(--line);border-radius:8px;padding:10px 12px;margin:10px 0 0}
.aff-disclosure a{color:var(--brand);font-weight:600}
.sl-aff-note{font-size:.74rem;line-height:1.45;color:var(--muted);margin:.5em 0 0}
.sl-aff-note a{color:var(--brand);font-weight:600}
.brand-mark{display:inline-flex}.brand-mark svg{display:block}
.brand-word{font-weight:700;font-size:1.22rem;letter-spacing:-.03em;line-height:1;white-space:nowrap}
.site-header .brand-word b{color:var(--ink);font-weight:700}
.site-header .brand-word .bw-accent{color:var(--brand)}
.site-header .brand-word .bw-dim{color:var(--muted);font-weight:600}
.site-footer .brand-word b{color:#fff}
.site-footer .brand-word .bw-accent{color:#7fe0bd}
.site-footer .brand-word .bw-dim{color:#9ec4b5;font-weight:600}

/* ---------------- Header ---------------- */
.site-header{position:sticky;top:0;z-index:1000;background:color-mix(in srgb,var(--bg) 90%,transparent);backdrop-filter:saturate(1.5) blur(12px);border-bottom:1px solid var(--line)}
.header-inner{display:flex;align-items:center;gap:10px;min-height:var(--hh)}
.primary-nav{margin-left:14px}
.primary-nav>ul{list-style:none;display:flex;gap:2px;margin:0;padding:0}
.primary-nav>ul>li{position:relative}
.primary-nav>ul>li>a{display:inline-flex;align-items:center;gap:5px;color:var(--ink-2);text-decoration:none;padding:10px 13px;border-radius:10px;font-size:.95rem;font-weight:500;white-space:nowrap}
.primary-nav>ul>li.has-children>a::after{content:"";width:7px;height:7px;border-right:2px solid var(--muted);border-bottom:2px solid var(--muted);transform:rotate(45deg);margin-left:2px;margin-top:-3px}
.primary-nav>ul>li>a:hover{background:var(--brand-tint);color:var(--brand-700)}
.submenu{list-style:none;margin:0;padding:8px;display:none;position:absolute;top:calc(100% + 10px);left:0;min-width:290px;background:var(--bg-card);border:1px solid var(--line);border-radius:16px;box-shadow:var(--sh-lg)}
.submenu::before{content:"";position:absolute;top:-10px;left:0;right:0;height:10px}
.has-children:hover .submenu,.has-children:focus-within .submenu{display:block}
.submenu a{display:block;padding:10px 12px;border-radius:9px;color:var(--ink-2);text-decoration:none;font-size:.92rem;font-weight:500;white-space:nowrap}
.submenu a:hover{background:var(--brand-tint);color:var(--brand-700)}
.header-cta{margin-left:auto;flex:none;background:var(--accent);color:#3a1c07;font-weight:600;padding:11px 22px;border-radius:999px;text-decoration:none;white-space:nowrap;box-shadow:var(--sh-sm);transition:.15s}
.header-cta:hover{background:var(--accent-600);transform:translateY(-1px);box-shadow:var(--sh)}
.nav-toggle{display:none;margin-left:auto;background:transparent;border:0;flex-direction:column;gap:5px;padding:10px;cursor:pointer}
.nav-toggle span{width:26px;height:3px;background:var(--ink);border-radius:2px;transition:.25s}
.nav-toggle[aria-expanded="true"] span:nth-child(1){transform:translateY(8px) rotate(45deg)}
.nav-toggle[aria-expanded="true"] span:nth-child(2){opacity:0}
.nav-toggle[aria-expanded="true"] span:nth-child(3){transform:translateY(-8px) rotate(-45deg)}
@media(max-width:1080px){
  .header-cta{display:none}
  .nav-toggle{display:flex}
  .primary-nav{position:fixed;inset:var(--hh) 0 auto 0;background:var(--bg);border-bottom:1px solid var(--line);max-height:0;overflow:hidden;transition:max-height .3s ease;margin:0}
  .primary-nav.open{max-height:calc(100vh - var(--hh));overflow:auto;box-shadow:var(--sh-lg)}
  .primary-nav>ul{flex-direction:column;padding:10px}
  .primary-nav>ul>li>a{padding:14px}
  .submenu{display:block;position:static;border:0;box-shadow:none;padding:0 0 6px 16px;min-width:0}
  .submenu a{padding:9px 12px}
}

/* ---------------- Page layout ---------------- */
.pagewrap{max-width:var(--wrap);margin-inline:auto;padding:22px 24px 60px}
.breadcrumbs{font-size:.85rem;color:var(--muted);margin-bottom:14px}
.breadcrumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:7px;margin:0;padding:0}
.breadcrumbs a{color:var(--muted);text-decoration:none}
.breadcrumbs a:hover{color:var(--brand-600)}
.breadcrumbs li+li::before{content:"›";margin-right:7px;color:var(--line)}
.breadcrumbs [aria-current]{color:var(--ink-2);font-weight:600}
.page-head{margin-bottom:24px;max-width:var(--measure)}
.page-head h1{margin-top:0}
.lead{font-size:1.16rem;color:var(--ink-2);margin:.5em 0}

.layout{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:46px;align-items:start}
.doc-main{min-width:0}

/* ---------------- Content typography ---------------- */
.content-body{font-size:1.06rem}
.content-body,.content-body p,.content-body ul,.content-body ol{max-width:var(--measure)}
.content-body>p:first-of-type{font-size:1.12rem;color:var(--ink-2)}
.content-body h2{position:relative;padding-top:.15em}
.content-body h2::after{content:"";display:block;width:56px;height:4px;border-radius:3px;background:var(--accent);margin-top:.45rem}
.content-body ul,.content-body ol{margin:.3em 0 1.25em;padding-left:1.35em}
.content-body li{margin:.35em 0}.content-body li::marker{color:var(--brand);font-weight:700}
.content-body a{font-weight:600}.content-body strong{font-weight:600;color:var(--ink)}

/* ---------------- Tables ---------------- */
.table-scroll,.comparison-wrap{overflow-x:auto;margin:1.1em 0 1.5em;border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--sh-sm);-webkit-overflow-scrolling:touch}
table{border-collapse:collapse;width:100%;background:var(--bg-card);font-size:.97rem}
th,td{padding:13px 15px;text-align:left;border-bottom:1px solid var(--line-2);vertical-align:middle}
thead th{background:var(--brand-tint);color:var(--brand-700);font-size:.78rem;letter-spacing:.04em;text-transform:uppercase;font-weight:600;border-bottom:1px solid var(--line)}
tbody tr:last-child td,tbody tr:last-child th{border-bottom:0}
.content-body table{margin:1em 0 1.4em;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;box-shadow:var(--sh-sm)}
/* markdown-таблицы обёрнуты в .md-table → скролл внутри бокса, страница не едет */
.table-scroll.md-table{margin:1.1em 0 1.5em}
.table-scroll.md-table > table{margin:0;border:0;border-radius:0;box-shadow:none;min-width:max-content}
.comparison-table tbody tr{transition:background .12s}
.comparison-table tbody tr:hover{background:var(--brand-tint-2)}
.comparison-table th,.comparison-table td{padding-top:15px;padding-bottom:15px}
.comparison-table td{color:var(--ink)}
.comparison-table tbody th.lender-cell a{font-weight:700;color:var(--ink);text-decoration:none}
.comparison-table tbody th.lender-cell a:hover{color:var(--brand);text-decoration:underline}
.comparison-table .lender-name{font-weight:700;color:var(--ink)}
.lender-cell{display:flex;align-items:center;gap:10px;font-weight:600}
.lender-logo-ph{width:84px;height:28px;border-radius:7px;background:var(--bg-soft);object-fit:contain}
.lender-logo-ph.missing{background:linear-gradient(120deg,var(--brand-tint),var(--line))}
.stars{color:var(--star);font-weight:700;white-space:nowrap}
/* base64-CTA (span) ведёт себя как ссылка-кнопка */
.aff-cta{cursor:pointer;user-select:none}
/* CTA-стовпец: кнопка + «Pavyzdys» в столбик, компактно (не растягивает таблицу) */
.cta-cell{text-align:center;white-space:normal;width:150px}
.comparison-table .cta-cell .aff-cta{display:block;width:fit-content;max-width:100%;margin:0 auto;white-space:nowrap;padding:9px 15px;font-size:.9rem}
.comparison-table .cta-cell .btn-example{margin:8px 0 0}
.btn-example{display:inline-flex;align-items:center;background:none;border:1px solid var(--line);color:var(--muted);border-radius:999px;padding:7px 13px;font-size:.82rem;font-weight:600;cursor:pointer;white-space:nowrap;transition:border-color .15s,color .15s,background .15s}
.btn-example:hover,.btn-example[aria-expanded="true"]{border-color:var(--brand);color:var(--brand);background:var(--brand-tint)}
.btn-example-chev{display:inline-block;margin-left:6px;font-size:.78em;transition:transform .2s ease}
.btn-example[aria-expanded="true"] .btn-example-chev{transform:rotate(180deg)}
.lc-example-row[hidden]{display:none}
.lc-example-cell{background:transparent;padding:2px 15px 14px}
/* панель репрезентативного примера */
.lc-ex-inner{border-left:3px solid var(--brand);background:var(--brand-tint);border-radius:0 12px 12px 0;padding:12px 15px;animation:lcExIn .25s ease}
.lc-ex-label{display:inline-flex;align-items:center;gap:6px;font-weight:700;font-size:.74rem;text-transform:uppercase;letter-spacing:.04em;color:var(--brand);margin-bottom:5px}
.lc-ex-ico{font-size:.95rem}
.lc-ex-text{margin:0;font-size:.85rem;color:var(--ink);line-height:1.6}
.lender-example{margin:14px 0 0}
@keyframes lcExIn{from{opacity:0;transform:translateY(-5px)}to{opacity:1;transform:none}}
@media (prefers-reduced-motion:reduce){.lc-ex-inner{animation:none}.btn-example-chev{transition:none}}
.table-note{font-size:.8rem;color:var(--muted);padding:8px 2px 0;margin:0;background:transparent}

/* ---- Kreditorių kortelės (palyginimas) ---- */
.lc-cards{display:grid;gap:14px;margin:1.2em 0 1.4em}
.lc-card{position:relative;border:1px solid var(--line);border-radius:16px;background:var(--bg-card);padding:16px 18px;box-shadow:var(--sh-sm);transition:box-shadow .15s,border-color .15s,transform .15s}
.lc-card:hover{box-shadow:0 10px 30px rgba(2,20,14,.10);border-color:var(--brand-tint);transform:translateY(-1px)}
.lc-featured{border-color:var(--brand);box-shadow:0 0 0 1px var(--brand) inset,var(--sh-sm)}
.lc-badge{position:absolute;top:-9px;right:16px;background:var(--brand);color:#fff;font-size:.68rem;font-weight:700;text-transform:uppercase;letter-spacing:.04em;padding:4px 11px;border-radius:999px;box-shadow:0 3px 10px rgba(14,122,86,.3)}
.lc-card-head{display:flex;align-items:center;gap:14px}
.lc-logo{width:110px;height:36px;object-fit:contain;object-position:left center;flex:none}
.lc-head-txt{flex:1;min-width:0}
.lc-name{font-weight:700;font-size:1.06rem;letter-spacing:-.01em}
.lc-name a{color:var(--ink);text-decoration:none}
.lc-name a:hover{color:var(--brand);text-decoration:underline}
.lc-product{font-size:.85rem;color:var(--muted);margin-top:2px}
.lc-stats{display:grid;grid-template-columns:repeat(5,1fr);gap:12px;margin:15px 0}
.lc-stat{display:flex;flex-direction:column;gap:3px;min-width:0}
.lc-k{font-size:.68rem;text-transform:uppercase;letter-spacing:.03em;color:var(--muted);font-weight:600}
.lc-v{font-weight:700;font-size:.94rem;color:var(--ink)}
.lc-v.lc-green{color:var(--brand)}
.lc-stars{letter-spacing:1px}
.lc-stars span{color:var(--line)}
.lc-stars span.on{color:var(--star)}
.lc-cta{display:flex;align-items:center;gap:14px;flex-wrap:wrap}
.lc-cta .aff-cta{padding:11px 20px;font-size:.95rem}
.lc-review-link{font-weight:600;font-size:.88rem;color:var(--brand);text-decoration:none}
.lc-review-link:hover{text-decoration:underline}
.lc-feats{display:flex;flex-wrap:wrap;gap:8px;margin-top:15px;padding-top:14px;border-top:1px dashed var(--line-2)}
.lc-feat{font-size:.78rem;color:var(--ink);background:var(--bg-soft);border:1px solid var(--line);border-radius:999px;padding:5px 12px}
.lc-feat::before{content:"✓";color:var(--brand);font-weight:800;margin-right:6px}
.lc-example{margin-top:14px}
.lc-example[hidden]{display:none}
@media(max-width:640px){
  .lc-card{padding:15px 14px}
  .lc-badge{right:12px}
  .lc-stats{grid-template-columns:repeat(2,1fr);gap:12px 14px}
  .lc-cta{flex-direction:column;align-items:stretch}
  .lc-cta .aff-cta,.lc-cta .btn-example{width:100%;justify-content:center}
  .lc-cta .lc-review-link{text-align:center}
}
/* keep comparison columns from squishing on medium screens (scrolls inside wrap) */
.comparison-table{min-width:600px}
/* phones: turn comparison table into stacked cards (no overlap, no scroll) */
@media(max-width:640px){
  .comparison-wrap{overflow:visible;border:0;box-shadow:none;background:transparent;margin:1em 0 1.3em}
  .comparison-table{min-width:0;width:100%;font-size:.95rem;background:transparent}
  .comparison-table thead{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap} /* hide labels visually, keep for a11y */
  .comparison-table tbody,.comparison-table tr,.comparison-table td,.comparison-table th{display:block;width:auto}
  .comparison-table tr{border:1px solid var(--line);border-radius:14px;margin:0 0 14px;background:var(--bg-card);box-shadow:var(--sh-sm);overflow:hidden}
  .comparison-table th.lender-cell{display:flex;align-items:center;gap:10px;padding:12px 14px;background:var(--brand-tint);border-bottom:1px solid var(--line)}
  .comparison-table td{display:flex;justify-content:space-between;align-items:center;gap:14px;padding:10px 14px;border-bottom:1px solid var(--line-2);text-align:right}
  .comparison-table td::before{content:attr(data-label);font-weight:600;color:var(--muted);font-size:.72rem;text-transform:uppercase;letter-spacing:.04em;text-align:left;flex:none}
  .comparison-table td[data-label=""]{padding:12px 14px;border-bottom:0;flex-wrap:wrap;gap:8px}
  .comparison-table td[data-label=""]::before{display:none}
  .comparison-table td[data-label=""] .aff-cta{display:block;flex:1 1 100%;text-align:center}
  .comparison-table td.cta-cell .btn-example{flex:1 1 100%;margin-left:0}
  .comparison-table tr[hidden]{display:none}
  .comparison-table td.lc-example-cell{display:block;text-align:left;border-bottom:0}
  .comparison-table td.lc-example-cell::before{display:none}
}

/* ---------------- CTA / buttons ---------------- */
.aff-cta,.btn-primary{display:inline-block;background:var(--accent);color:#3a1c07;font-weight:600;padding:10px 17px;border-radius:999px;text-decoration:none;white-space:nowrap;box-shadow:var(--sh-sm);transition:.15s}
.aff-cta:hover,.btn-primary:hover{background:var(--accent-600);transform:translateY(-1px);box-shadow:var(--sh)}
.aff-hero{padding:13px 24px;font-size:1.05rem}
.btn-ghost{display:inline-block;border:1.6px solid rgba(255,255,255,.55);color:#fff;padding:12px 22px;border-radius:999px;text-decoration:none;font-weight:600}
.btn-ghost:hover{background:rgba(255,255,255,.15)}
.btn-primary.big{padding:14px 28px;font-size:1.05rem}

/* ---------------- Pros/Cons ---------------- */
.doc-proscons{margin:1.6em 0}
.pros-cons-table{table-layout:fixed}
.pros-cons-table .pros-h{color:var(--ok);background:var(--ok-bg)!important}
.pros-cons-table .cons-h{color:var(--bad);background:var(--bad-bg)!important}
.pros-cons-table thead th{font-size:.95rem;text-transform:none;letter-spacing:0;font-weight:600}
.pros-list,.cons-list{list-style:none;margin:0;padding:0}
.pros-list li,.cons-list li{padding-left:27px;position:relative;margin:.5em 0}
.pros-list li::before{content:"✓";position:absolute;left:0;color:var(--ok);font-weight:700}
.cons-list li::before{content:"✕";position:absolute;left:0;color:var(--bad);font-weight:700}

/* ---------------- FAQ ---------------- */
.faq{margin:2.2em 0;max-width:var(--measure)}
.faq-list{display:flex;flex-direction:column;gap:10px}
.faq-item{border:1px solid var(--line);border-radius:var(--r-sm);background:var(--bg-card);box-shadow:var(--sh-sm);overflow:hidden}
.faq-item[open]{border-color:var(--brand)}
.faq-item summary{cursor:pointer;padding:15px 17px;font-weight:600;list-style:none;display:flex;justify-content:space-between;gap:14px}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";color:var(--brand);font-weight:700;font-size:1.25rem}
.faq-item[open] summary::after{content:"–"}
.faq-answer{padding:0 17px 15px;color:var(--ink-2)}

/* ---------------- Author ---------------- */
.author-byline{display:flex;align-items:center;gap:11px;margin:.8em 0 0;font-size:.9rem;color:var(--muted)}
.author-byline .author-avatar{width:40px;height:40px;border-radius:50%;object-fit:cover;background:var(--brand-tint)}
.byline-text{display:flex;flex-direction:column;line-height:1.3}
.byline-text a{font-weight:600;color:var(--ink)}.byline-meta{font-size:.82rem}
.author-bio{display:flex;gap:16px;background:linear-gradient(180deg,var(--brand-tint-2),var(--bg-card));border:1px solid var(--line);border-radius:var(--r);padding:20px;margin:2.4em 0 1.2em;box-shadow:var(--sh-sm);max-width:var(--measure)}
.author-avatar-lg{width:76px;height:76px;border-radius:50%;object-fit:cover;background:var(--brand-tint);flex:none}
.author-bio-name{font-weight:600;margin:0}.author-bio-name a{color:var(--ink)}
.author-bio-role{color:var(--brand-700);font-size:.9rem;font-weight:600;margin:.1em 0 .5em}
.author-hero{display:flex;gap:20px;align-items:center}
.author-avatar-xl{width:116px;height:116px;border-radius:50%;object-fit:cover;background:var(--brand-tint)}

/* ---------------- Editorial images ---------------- */
.article-visual{margin:1.7em 0;max-width:var(--measure)}
.article-visual img{display:block;width:100%;aspect-ratio:var(--ratio,16/9);object-fit:cover;border-radius:var(--r);box-shadow:var(--sh-sm);background:var(--bg-soft)}
.article-visual figcaption{font-size:.82rem;line-height:1.45;color:var(--muted);margin-top:8px;text-align:center}
.author-profile-photo{max-width:280px;margin:1.2em 0 1.8em}
.author-profile-photo img{display:block;width:100%;aspect-ratio:1;border-radius:var(--r-lg);object-fit:cover;box-shadow:var(--sh)}

/* ---------------- Sidebar (only TOC sticky) ---------------- */
.sidebar{display:flex;flex-direction:column;gap:18px}
.side-card{background:var(--bg-card);border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--sh-sm);overflow:hidden}
.side-card h3{margin:0;padding:14px 16px;font-size:.95rem;border-bottom:1px solid var(--line-2);background:var(--brand-tint-2)}
.side-card .side-body{padding:14px 16px}
/* Table of contents box (in-article, top) */
.toc-box{max-width:var(--measure);margin:0 0 26px;border:1px solid var(--line);border-radius:var(--r);background:var(--bg-soft);box-shadow:var(--sh-sm)}
.toc-box summary{cursor:pointer;list-style:none;padding:13px 18px;font-weight:600;font-size:.95rem;color:var(--ink);display:flex;align-items:center;justify-content:space-between}
.toc-box summary::-webkit-details-marker{display:none}
.toc-box summary::before{content:"≡";margin-right:10px;color:var(--brand)}
.toc-box summary::after{content:"▾";color:var(--muted);transition:transform .2s}
.toc-box details[open] summary::after{transform:rotate(180deg)}
.toc-box ol{list-style:none;margin:0;padding:2px 12px 14px;column-count:2;column-gap:24px}
.toc-box li{break-inside:avoid}
.toc-box li.lvl3{padding-left:16px}
.toc-box a{display:block;padding:5px 8px;border-radius:7px;color:var(--ink-2);text-decoration:none;font-size:.9rem;line-height:1.35}
.toc-box a:hover{background:var(--brand-tint);color:var(--brand-700)}
.toc-box li.lvl3 a{font-size:.85rem;color:var(--muted)}
@media(max-width:640px){.toc-box ol{column-count:1}}
.side-lender{display:flex;align-items:center;gap:10px;padding:10px 0;border-bottom:1px solid var(--line-2)}
.side-lender:last-child{border-bottom:0}
.side-lender .sl-info{flex:1;min-width:0}
.side-lender .sl-name{font-weight:600;font-size:.92rem}
.side-lender .sl-meta{font-size:.78rem;color:var(--muted)}
.side-lender .aff-cta{padding:7px 12px;font-size:.82rem}
.side-author{display:flex;gap:12px;align-items:center}
.side-author img{width:52px;height:52px;border-radius:50%;object-fit:cover;background:var(--brand-tint);flex:none}
.side-author .sa-name{font-weight:600;font-size:.92rem}.side-author .sa-name a{color:var(--ink)}
.side-author .sa-role{font-size:.78rem;color:var(--muted)}
.side-calc{background:linear-gradient(155deg,var(--brand),var(--brand-700));color:#fff}
.side-calc h3{background:transparent;color:#fff;border-bottom:1px solid rgba(255,255,255,.18)}
.side-calc .side-body{color:#dcefe6;font-size:.9rem}.side-calc .btn-primary{margin-top:10px}
.side-links{list-style:none;margin:0;padding:0}
.side-links li{border-bottom:1px solid var(--line-2)}.side-links li:last-child{border:0}
.side-links a{display:block;padding:10px 0;color:var(--ink-2);text-decoration:none;font-size:.9rem;font-weight:600}
.side-links a::before{content:"→ ";color:var(--brand)}.side-links a:hover{color:var(--brand-600)}

/* ---------------- Related / callout / disclaimer ---------------- */
.related{margin:2em 0;max-width:var(--measure)}
.related-list{display:grid;grid-template-columns:1fr 1fr;gap:10px;list-style:none;padding:0}
.related-list a{display:block;padding:13px 15px;background:var(--bg-card);border:1px solid var(--line);border-radius:12px;text-decoration:none;color:var(--ink);font-weight:600;box-shadow:var(--sh-sm);transition:.15s}
.related-list a:hover{border-color:var(--brand);transform:translateY(-2px)}
.related-list a::before{content:"→ ";color:var(--brand)}
.callout{border:1px solid var(--line);border-left:4px solid var(--brand);background:var(--brand-tint-2);border-radius:12px;padding:15px 18px;margin:1.4em 0;max-width:var(--measure)}
.callout.warn{border-left-color:var(--bad);background:var(--bad-bg)}.callout p:last-child{margin-bottom:0}
.page-disclaimer{font-size:.8rem;color:var(--muted);border-top:1px solid var(--line);padding-top:15px;margin-top:2.2em;max-width:var(--measure)}

/* ---------------- Home ---------------- */
.hero{position:relative;background:linear-gradient(155deg,var(--brand-700),var(--brand) 60%,var(--brand-600));color:#fff;padding:64px 0 72px;overflow:hidden}
.hero::before{content:"";position:absolute;inset:0;background:radial-gradient(760px 320px at 88% -12%,rgba(255,255,255,.16),transparent 60%)}
.hero-inner{position:relative;display:grid;grid-template-columns:1.12fr .88fr;gap:44px;align-items:center}
.hero h1{color:#fff;max-width:15ch;font-size:clamp(2.1rem,4.8vw,3.1rem)}
.hero .lead{color:#dcefe6;max-width:46ch}
.hero-cta{display:flex;gap:13px;flex-wrap:wrap;margin-top:24px}
.hero-trust{display:flex;gap:28px;flex-wrap:wrap;margin-top:28px;color:#cfe8dd;font-size:.9rem}
.hero-trust b{display:block;color:#fff;font-size:1.45rem;font-weight:600}
.hero-card{background:var(--bg-card);color:var(--ink);border-radius:var(--r-lg);box-shadow:var(--sh-lg);padding:22px}
.hero-card h3{margin:.1em 0 .7em;font-size:1.05rem}
.hero-media{display:grid;gap:14px;min-width:0}
.hero-image{display:block;width:100%;height:260px;object-fit:cover;object-position:65% center;border-radius:var(--r-lg);box-shadow:var(--sh-lg);border:1px solid rgba(255,255,255,.22)}
.hero-links{grid-template-columns:1fr 1fr;gap:8px}
.hero-links a{padding:10px 12px;font-size:.86rem;box-shadow:none}
.section{padding-block:14px}.section-pad{padding-block:52px}
.section-soft{background:var(--bg-soft);border-block:1px solid var(--line-2)}
.section-tint{background:var(--brand-tint-2)}
.trust-bar{display:flex;flex-wrap:wrap;gap:12px 30px;justify-content:center;padding:18px 0;color:var(--muted);font-weight:600;font-size:.9rem}
.trust-bar span{display:inline-flex;gap:8px;align-items:center}.trust-bar .t-ico{color:var(--brand)}
.card-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:18px;margin:1.4em 0}
.card{background:var(--bg-card);border:1px solid var(--line);border-radius:var(--r);padding:22px;box-shadow:var(--sh-sm);text-decoration:none;color:inherit;transition:.18s;display:block}
.card:hover{border-color:color-mix(in srgb,var(--brand) 45%,var(--line));transform:translateY(-3px);box-shadow:var(--sh)}
.card-ico{width:46px;height:46px;border-radius:13px;background:var(--brand-tint);display:flex;align-items:center;justify-content:center;font-size:1.45rem;margin-bottom:12px}
.card h3{margin:.1em 0 .35em;font-size:1.12rem}.card p{color:var(--muted);font-size:.93rem;margin:0}
.card .card-link{color:var(--brand-600);font-weight:600;font-size:.9rem;margin-top:10px;display:inline-block}
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:18px;margin:1.4em 0}
.step{background:var(--bg-card);border:1px solid var(--line);border-radius:var(--r);padding:22px;box-shadow:var(--sh-sm)}
.step .n{width:38px;height:38px;border-radius:50%;background:var(--brand);color:#fff;font-weight:700;display:flex;align-items:center;justify-content:center;margin-bottom:12px}
.step h3{margin:.1em 0 .3em;font-size:1.05rem}.step p{margin:0;color:var(--muted);font-size:.93rem}
.stat-row{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:16px;margin:1.4em 0}
.stat{background:var(--bg-card);border:1px solid var(--line);border-radius:var(--r);padding:20px;text-align:center;box-shadow:var(--sh-sm)}
.stat b{display:block;font-size:1.9rem;color:var(--brand);font-weight:600}.stat span{color:var(--muted);font-size:.9rem}
.testi-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:18px;margin:1.4em 0}
.testi{background:var(--bg-card);border:1px solid var(--line);border-radius:var(--r);padding:22px;box-shadow:var(--sh-sm)}
.testi .stars{margin-bottom:8px}.testi p{font-style:italic;color:var(--ink-2);margin:.2em 0 .8em}.testi .who{font-weight:600;font-size:.92rem}
.glossary{display:grid;gap:10px;margin:1.1em 0;max-width:var(--measure)}
.glossary dt{font-weight:700}.glossary dd{margin:0 0 .5em;color:var(--ink-2)}

/* ---------------- Calculator ---------------- */
.calc{background:var(--bg-card);border:1px solid var(--line);border-radius:var(--r);padding:22px;box-shadow:var(--sh);margin:1.4em 0}
.calc label{display:block;font-weight:600;margin:.8em 0 .2em;font-size:.9rem}
.calc input,.calc select{width:100%;padding:11px 13px;border:1px solid var(--line);border-radius:10px;background:var(--bg);color:var(--ink);font-size:1rem}
.calc input:focus,.calc select:focus{outline:2px solid var(--brand);border-color:var(--brand)}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.calc-out{margin-top:18px;display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.calc-out .metric{background:var(--brand-tint);border-radius:12px;padding:14px;text-align:center}
.calc-out .metric b{display:block;font-size:1.4rem;color:var(--brand-700)}.calc-out .metric span{font-size:.8rem;color:var(--muted)}

/* ---------------- Footer ---------------- */
.site-footer{background:var(--brand-700);color:#cfe6db;margin-top:54px}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.2fr;gap:28px;padding:46px 24px 24px;max-width:var(--wrap);margin-inline:auto}
.footer-col h3{color:#fff;font-size:1rem;margin:0 0 .6em}
.footer-col ul{list-style:none;margin:0;padding:0;display:grid;gap:7px}
.footer-col a{color:#c3dfd3;text-decoration:none}.footer-col a:hover{color:#fff;text-decoration:underline}
.footer-legal{border-top:1px solid rgba(255,255,255,.14);padding:18px 24px 30px;font-size:.82rem;color:#9ec4b5;max-width:var(--wrap);margin-inline:auto}
.footer-legal .disclaimer{margin-bottom:8px}

/* ---------------- Sticky sitewide CTA (floating card) ---------------- */
.sticky-cta{
  position:fixed;left:50%;bottom:18px;z-index:900;
  width:min(720px,calc(100% - 32px));
  transform:translateX(-50%) translateY(160%);
  display:flex;align-items:center;gap:15px;
  padding:13px 50px 13px 15px;
  background:var(--bg-card);
  border:1px solid var(--line);
  border-radius:18px;
  box-shadow:0 16px 44px rgba(2,20,14,.20), 0 2px 8px rgba(2,20,14,.08);
  opacity:0;
  transition:transform .5s cubic-bezier(.22,1,.36,1), opacity .4s ease;
}
.sticky-cta.is-visible{transform:translateX(-50%) translateY(0);opacity:1}
.sticky-cta[hidden]{display:none}
.sticky-cta::before{content:"";position:absolute;left:0;top:14px;bottom:14px;width:4px;border-radius:4px;background:linear-gradient(180deg,var(--brand),var(--accent,#ff7a2f))}
.sticky-cta-ico{flex:none;width:46px;height:46px;border-radius:13px;background:var(--brand-tint);color:var(--brand);display:flex;align-items:center;justify-content:center;font-size:1.5rem;line-height:1}
.sticky-cta-copy{flex:1;min-width:0;display:flex;flex-direction:column;line-height:1.25}
.sticky-cta-title{font-weight:700;font-size:1.02rem;color:var(--ink);letter-spacing:-.01em}
.sticky-cta-sub{font-size:.8rem;color:var(--muted);margin-top:2px;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}
.sticky-cta-actions{flex:none;display:flex;align-items:center;gap:10px}
.sticky-cta-actions .btn-primary{padding:11px 20px;white-space:nowrap;box-shadow:0 4px 14px rgba(14,122,86,.28)}
.sticky-cta-actions .btn-ghost{padding:11px 16px;white-space:nowrap}
.sticky-cta-close{position:absolute;right:10px;top:10px;width:26px;height:26px;border:0;border-radius:50%;background:var(--bg-soft);color:var(--muted);font-size:1.15rem;line-height:1;cursor:pointer;display:flex;align-items:center;justify-content:center;transition:background .15s,color .15s}
.sticky-cta-close:hover{background:var(--line);color:var(--ink)}
body.has-sticky-cta{padding-bottom:96px}
@media(max-width:640px){
  .sticky-cta{left:8px;right:8px;bottom:8px;width:auto;max-width:none;transform:translateY(160%);flex-wrap:wrap;gap:10px;padding:12px 42px 12px 12px;border-radius:16px;box-sizing:border-box}
  .sticky-cta.is-visible{transform:translateY(0)}
  .sticky-cta-ico{width:38px;height:38px;font-size:1.2rem;border-radius:11px}
  .sticky-cta-sub{display:none}
  .sticky-cta-copy{flex:1 1 0;min-width:0}
  .sticky-cta-title{white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
  .sticky-cta-actions{flex:1 1 100%;min-width:0;gap:8px}
  .sticky-cta-actions .btn-primary,.sticky-cta-actions .btn-ghost{flex:1 1 0;min-width:0;text-align:center;padding:12px 6px;font-size:.9rem}
  body.has-sticky-cta{padding-bottom:132px}
}
@media (prefers-reduced-motion:reduce){
  .sticky-cta{transition:opacity .2s ease}
  .sticky-cta,.sticky-cta.is-visible{transform:translateX(-50%)}
  @media(max-width:640px){.sticky-cta,.sticky-cta.is-visible{transform:none}}
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media(max-width:1080px){
  .hero-inner{grid-template-columns:1fr;gap:26px}
}
@media(max-width:980px){
  /* single column: sidebar flows BELOW content, full width, no empty gap */
  .layout{grid-template-columns:1fr;gap:24px}
  .sidebar{flex-direction:column;gap:14px}
  .side-card{max-width:none}
  .sidebar .side-calc{order:-1} /* calculator CTA first, right after article */
}
@media(max-width:860px){.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:640px){
  .wrap,.pagewrap{padding-inline:18px}
  .related-list{grid-template-columns:1fr}
  .hero-image{height:220px}
  .calc-grid,.calc-out{grid-template-columns:1fr}
  .brand-word{font-size:1.12rem}
}
@media(max-width:520px){.footer-grid{grid-template-columns:1fr}}