:root{
  --navy:#0b2545; --navy2:#13315c; --gold:#c8992a; --gold-l:#f0d896;
  --bg:#f7f8fa; --card:#ffffff; --text:#1c2530; --muted:#5b6b7c; --green:#1f7a4d; --red:#b23a48;
  --radius:10px;
}
*{box-sizing:border-box}
body{margin:0;font-family:'Segoe UI',Arial,sans-serif;background:var(--bg);color:var(--text);line-height:1.6}
a{color:var(--navy2);text-decoration:none}
a:hover{text-decoration:underline}
.for-sale-banner{background:var(--gold);color:#2a2000;text-align:center;padding:8px 12px;font-size:14px}
.for-sale-banner a{color:#2a2000;text-decoration:underline;font-weight:600}
.site-header{background:var(--navy);padding:14px 0;border-bottom:4px solid var(--gold)}
.header-inner{max-width:1100px;margin:0 auto;display:flex;justify-content:space-between;align-items:center;padding:0 20px;flex-wrap:wrap}
.logo{font-size:24px;font-weight:800;color:#fff}
.logo span{color:var(--gold-l)}
.main-nav a{color:#dfe7f2;margin-left:20px;font-weight:600;font-size:15px}
.main-nav a.active,.main-nav a:hover{color:var(--gold-l);text-decoration:none}
.hero{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:50px 20px 40px;text-align:center}
.hero h1{font-size:34px;margin:0 0 12px}
.hero p.sub{font-size:18px;color:#cfd9e6;max-width:700px;margin:0 auto 20px}
.stat-line{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.2);border-radius:8px;padding:14px 18px;max-width:800px;margin:0 auto;font-size:15px;color:#e8edf3}
.container{max-width:1100px;margin:0 auto;padding:30px 20px}
.bookmark-strip{background:#fff8e6;border-top:1px solid #eadfba;border-bottom:1px solid #eadfba;text-align:center;padding:10px;font-size:14px}
.bookmark-strip a{font-weight:700;color:var(--navy)}
.bookmark-sep{margin:0 10px;color:#b8a878}
.social-bar{display:flex;align-items:center;justify-content:center;gap:14px;padding:12px;background:#fff;border-bottom:1px solid #e5e9ee}
.social-label{font-size:14px;color:var(--muted);margin-right:6px}
.social-bar a{color:var(--navy2)}
.social-bar a:hover{color:var(--gold)}
.tool-card{background:var(--card);border-radius:var(--radius);box-shadow:0 2px 14px rgba(0,0,0,.08);padding:28px;margin:0 auto 30px;max-width:820px}
.q-group{margin-bottom:18px}
.q-group label{display:block;font-weight:600;margin-bottom:6px}
.q-group select,.q-group input[type=number]{width:100%;padding:10px;border:1px solid #cfd6de;border-radius:6px;font-size:15px}
.checkbox-row{display:flex;align-items:center;gap:8px;margin-bottom:8px}
.checkbox-row input{width:auto}
#calcBtn{background:var(--gold);color:#2a2000;border:none;padding:14px 26px;font-size:17px;font-weight:700;border-radius:8px;cursor:pointer;width:100%;margin-top:10px}
#calcBtn:hover{background:#b5851f}
#resultsBox{margin-top:24px;display:none}
.score-badge{font-size:46px;font-weight:800;color:var(--navy);text-align:center}
.score-badge span{font-size:16px;font-weight:600;color:var(--muted);display:block}
.value-est{text-align:center;font-size:22px;color:var(--green);font-weight:700;margin:8px 0 20px}
.program-card{border:1px solid #e2e6eb;border-left:4px solid var(--gold);border-radius:8px;padding:14px 16px;margin-bottom:12px;background:#fcfcfd}
.program-card h4{margin:0 0 4px}
.program-card .amt{color:var(--green);font-weight:700}
.article-grid,.news-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:20px;margin-top:20px}
.card{background:var(--card);border-radius:var(--radius);box-shadow:0 1px 8px rgba(0,0,0,.06);padding:18px}
.card h3{margin-top:0;font-size:18px}
.card .meta{color:var(--muted);font-size:13px;margin-bottom:8px}
.ad-slot{max-width:800px;margin:24px auto;text-align:center;min-height:90px}
.newsletter-box{background:var(--navy);color:#fff;border-radius:var(--radius);padding:26px;max-width:700px;margin:30px auto;text-align:center}
.newsletter-box h3{margin-top:0}
.ml-form{display:flex;gap:10px;flex-wrap:wrap;justify-content:center;margin:16px 0 6px}
.ml-form input{padding:12px;border-radius:6px;border:none;width:260px}
.ml-form button{padding:12px 18px;border-radius:6px;border:none;background:var(--gold);font-weight:700;cursor:pointer}
.fine-print{font-size:12px;color:#b7c2d0}
.facts-section{background:#fff;border-radius:var(--radius);padding:24px;max-width:900px;margin:30px auto}
.facts-list{columns:2;column-gap:30px}
@media(max-width:700px){.facts-list{columns:1}}
.facts-list li{margin-bottom:10px;break-inside:avoid}
.facts-refresh-note{color:var(--muted);font-size:13px;text-align:center;margin-bottom:10px}
.translate-widget{margin-top:6px}
.footer-col a{display:block;color:#cfd9e6;margin-bottom:6px}
.site-footer{background:var(--navy);color:#cfd9e6;margin-top:40px}
.footer-inner{max-width:1100px;margin:0 auto;padding:36px 20px;display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:24px}
.footer-col h4{color:#fff;margin-bottom:10px}
.footer-bottom{border-top:1px solid rgba(255,255,255,.15);text-align:center;padding:14px;font-size:13px;color:#9db0c4}
.legal-body{max-width:800px;margin:0 auto;background:#fff;padding:30px;border-radius:var(--radius)}
.legal-body h2{margin-top:28px}
.faq-item{margin-bottom:16px}
.faq-item h3{margin-bottom:4px}
.breadcrumb{max-width:1100px;margin:14px auto 0;padding:0 20px;font-size:13px;color:var(--muted)}
article.post{max-width:760px;margin:0 auto;background:#fff;padding:34px;border-radius:var(--radius)}
article.post h1{font-size:28px}
article.post h2{font-size:21px;color:var(--navy)}
.source-link{font-size:13px;color:var(--muted)}
@media(max-width:800px){.footer-inner{grid-template-columns:1fr 1fr}}