@charset "UTF-8";
:root{--navy:#0c2039;--dark:#122b46;--ink:#16293f;--muted:#617186;--soft:#edf5f5;--mint:#0bb99d;--mint2:#dff9f2;--line:#e2e9ef;--bg:#f7f9fb;--white:#fff;--shadow:0 16px 45px rgba(21,48,76,.075);--r:17px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:#fff;color:var(--ink);font:16px/1.65 system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;-webkit-font-smoothing:antialiased}a{color:inherit;text-decoration:none}a:hover{color:#078b7f}button,input,select,textarea{font:inherit}button{cursor:pointer}button:disabled{cursor:not-allowed}img{max-width:100%;display:block}h1,h2,h3,h4{font-weight:760;line-height:1.17;letter-spacing:-.035em;color:var(--navy)}h1{font-size:clamp(2.6rem,5.4vw,4.8rem)}h2{font-size:clamp(2rem,3vw,2.9rem)}h3{font-size:1.24rem}p{margin:0 0 1.1rem}ul{padding-left:1.25rem}.wrap{width:min(1150px,calc(100% - 44px));margin-inline:auto}.smallcaps{font-size:12px;letter-spacing:.12em;text-transform:uppercase;font-weight:800;color:#098e82}.muted{color:var(--muted)}.skip{position:absolute;left:-9999px;top:8px;z-index:30;background:white;padding:10px}.skip:focus{left:10px}.announcement{background:#0c2039;color:#b5d6e4;text-align:center;padding:7px 12px;font-size:12px;letter-spacing:.01em}.announcement b{color:#7be1ce}.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.97);border-bottom:1px solid #e7edf1;backdrop-filter:blur(14px)}.head-inner{min-height:78px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{display:flex;align-items:center;gap:12px;flex-shrink:0}.brand img{height:45px;width:45px}.brand-word{display:block;font-weight:850;font-size:19px;letter-spacing:-.045em;line-height:1.04}.brand-word em{font-style:normal;color:#0e9d91}.brand-word small{display:block}.brand-word small{font-size:9px;letter-spacing:.15em;color:#8192a4;font-weight:700;margin-top:5px}.nav{display:flex;align-items:center;gap:27px}.nav a{font-size:14px;font-weight:700;color:#354960}.nav a:hover,.nav a[aria-current=page]{color:#0a9786}.header-actions{display:flex;align-items:center;gap:13px}.iconbtn{display:grid;place-items:center;width:42px;height:42px;border:1px solid var(--line);border-radius:12px;background:white;color:var(--navy)}.nav-toggle{display:none}.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;border:0;border-radius:11px;background:var(--mint);color:#072e36;padding:13px 21px;font-size:14px;font-weight:800;white-space:nowrap;transition:transform .18s,background .18s,box-shadow .18s}.btn:hover{background:#19d0b0;color:#092b32;transform:translateY(-2px);box-shadow:0 9px 20px rgba(9,180,154,.2)}.btn.dark{background:var(--navy);color:white}.btn.dark:hover{background:#183b5d;color:#fff}.btn.outline{background:#fff;border:1px solid var(--line);color:var(--dark)}.btn.outline:hover{background:var(--soft);box-shadow:none}.btn.ghost{background:transparent;color:#e6f9ff;border:1px solid rgba(255,255,255,.22)}.btn.ghost:hover{background:rgba(255,255,255,.11);color:#fff}.btn.small{padding:10px 15px}.btn:focus-visible,a:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid #4cb9f4;outline-offset:3px}
.hero{position:relative;overflow:hidden;background:radial-gradient(ellipse at 87% 20%,#205c73 0%,transparent 44%),linear-gradient(135deg,#0c2039,#122f4a 68%,#13364e);color:#fff}.hero::after{content:'';width:500px;height:500px;border:1px solid rgba(116,225,207,.15);position:absolute;border-radius:50%;right:-210px;top:-230px}.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;align-items:center;gap:50px;min-height:555px;padding-top:72px;padding-bottom:78px}.eyebrow{display:inline-flex;gap:8px;align-items:center;color:#a7ece0;font-weight:750;letter-spacing:.12em;text-transform:uppercase;font-size:12px}.eyebrow .pulse{width:8px;height:8px;background:#43dbbd;border-radius:50%;box-shadow:0 0 0 4px rgba(67,219,189,.11)}.hero h1{color:white;margin:21px 0 19px;max-width:690px;font-size:clamp(2.9rem,5.25vw,4.6rem)}.hero h1 span{color:#65e0c9}.hero p{max-width:540px;color:#c3d2dd;font-size:17px;line-height:1.76}.hero-cta{display:flex;gap:12px;flex-wrap:wrap;margin:28px 0}.hero-trust{display:flex;align-items:center;gap:20px;flex-wrap:wrap;color:#c6d7e3;font-size:12px}.hero-trust span{display:flex;gap:7px;align-items:center}.hero-visual{position:relative;min-height:390px;padding:18px}.dashboard{background:#fff;color:#142940;border-radius:20px;padding:25px;max-width:445px;margin:10px auto;box-shadow:0 30px 90px rgba(0,0,0,.26);transform:rotate(-2deg)}.dash-top{display:flex;align-items:center;justify-content:space-between;font-size:12px;color:#8292a0;font-weight:800;letter-spacing:.04em}.mini-brand{display:flex;align-items:center;gap:7px;color:#3a5166}.mini-brand b{background:#e4f8f3;color:#058d7a;width:27px;height:27px;border-radius:8px;display:grid;place-items:center}.dash-label{color:#788b9e;font-size:12px;margin-top:26px}.dash-number{font-size:37px;font-weight:800;line-height:1.3;letter-spacing:-.06em;color:#132c47}.dash-number small{font-size:13px;color:#159982;font-weight:750;letter-spacing:0}.bars{display:flex;align-items:flex-end;height:119px;gap:12px;margin-top:14px;border-bottom:1px solid #ecf0f3}.bars i{flex:1;background:linear-gradient(#81d7ca,#ccf4ec);border-radius:7px 7px 0 0;min-width:0}.dash-bottom{display:flex;justify-content:space-between;font-size:12px;color:#66798d;margin-top:15px}.dash-bottom strong{color:#102d46}.float-card{position:absolute;right:-1px;bottom:24px;max-width:205px;padding:16px 17px;border-radius:14px;background:#f4fafb;box-shadow:0 13px 45px rgba(0,0,0,.24);color:var(--dark);transform:rotate(4deg)}.float-card .circle{display:inline-grid;place-items:center;background:#d4f9eb;border-radius:10px;width:36px;height:36px;color:#0e9f89}.float-card strong{display:block;font-size:18px;line-height:1.2;margin:8px 0 2px}.float-card small{font-size:12px;color:#6d8392}.float-dot{position:absolute;top:17px;left:0;border-radius:13px;padding:11px 15px;background:#11566b;border:1px solid rgba(255,255,255,.2);font-size:12px;color:#c8fff4;transform:rotate(4deg)}
.section{padding:80px 0}.section.tinted{background:var(--bg)}.section-top{display:flex;align-items:end;justify-content:space-between;gap:24px;margin-bottom:28px}.section-top h2{margin:7px 0 0}.section-top p{max-width:570px;color:var(--muted);margin:9px 0 0}.text-link{display:inline-flex;align-items:center;gap:7px;font-size:14px;font-weight:800;color:#058f7d;white-space:nowrap}.text-link:hover{gap:11px}.grid3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:21px}.grid4{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:20px}.tool-card,.guide-card,.topic-card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;transition:transform .18s,box-shadow .18s,border-color .18s}.tool-card:hover,.guide-card:hover,.topic-card:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:#bbddd7}.tool-card{padding:26px;min-height:248px}.tool-icon{width:47px;height:47px;display:grid;place-items:center;border-radius:13px;background:#e6f8f4;color:#008c7c;margin-bottom:19px}.tool-card h3{font-size:19px;margin:0 0 10px}.tool-card p{font-size:14px;color:var(--muted);line-height:1.6;flex:1}.tool-card .text-link{margin-top:13px}.guide-card img{aspect-ratio:1.91;width:100%;object-fit:cover}.guide-details{padding:23px;display:flex;flex-direction:column;flex:1}.guide-label{font-size:11px;color:#008f83;font-weight:850;letter-spacing:.06em;text-transform:uppercase;margin-bottom:11px}.guide-details h3{font-size:19px;line-height:1.35;margin:0 0 11px}.guide-details p{color:var(--muted);font-size:13.5px;flex:1;margin-bottom:15px}.guide-footer{display:flex;align-items:center;justify-content:space-between;color:#74899d;font-size:12px;border-top:1px solid var(--line);padding-top:14px}.guide-footer b{color:#058f7f}.topic-card{padding:25px}.topic-card h3{margin:12px 0 6px}.topic-card p{font-size:14px;color:var(--muted);margin:0}.topic-card .tool-icon{margin:0}.feature-band{background:#dff5ed;border:1px solid #c6eade;border-radius:24px;display:grid;grid-template-columns:1.1fr .9fr;align-items:center;gap:28px;padding:49px}.feature-band h2{margin:10px 0 13px}.feature-band p{color:#456174}.feature-list{list-style:none;padding:0;margin:0;display:grid;gap:14px}.feature-list li{display:flex;gap:12px;align-items:flex-start;background:rgba(255,255,255,.62);padding:14px;border-radius:12px;font-weight:680;font-size:14px;color:#24495a}.feature-list svg{color:#099b83;flex-shrink:0;margin-top:2px}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}.step{padding:22px 16px}.step-number{width:44px;height:44px;border-radius:50%;display:grid;place-items:center;background:#e4f7f0;color:#0b9c87;font-weight:900}.step h3{margin:14px 0 9px}.step p{color:var(--muted);font-size:14px}.cta-band{background:var(--navy);border-radius:24px;padding:52px;color:white;display:flex;justify-content:space-between;gap:26px;align-items:center}.cta-band h2{color:white;margin:0 0 10px}.cta-band p{color:#b8cbd8;margin:0;max-width:680px}
.breadcrumb{display:flex;align-items:center;gap:8px;flex-wrap:wrap;font-size:12px;color:#71869b;padding:24px 0}.breadcrumb a{color:#55708a}.breadcrumb svg{width:13px;height:13px}.page-hero{background:#f5f9fa;border-bottom:1px solid var(--line);padding:25px 0 55px}.page-hero h1{font-size:clamp(2.45rem,4.6vw,4rem);max-width:850px;margin:14px 0 14px}.page-hero p{font-size:17px;color:var(--muted);max-width:780px}.page-main{padding:55px 0 90px}.page-intro{font-size:18px;color:#50657c;max-width:750px}.sidebar-layout{display:grid;grid-template-columns:minmax(0,1fr) 280px;gap:58px;align-items:start}.article h2,.article h3{scroll-margin-top:110px}.article h2{font-size:26px;margin:38px 0 14px}.article h3{font-size:19px;margin:25px 0 11px}.article p{color:#43576d;font-size:16px;line-height:1.86;margin:0 0 19px}.article ul li{color:#43576d;padding:5px 0}.article a{color:#078d80;text-decoration:underline;text-underline-offset:3px}.article a:hover{text-decoration:none}.article-hero-img{width:100%;border-radius:16px;margin:4px 0 30px;aspect-ratio:1.91;object-fit:cover}.article-meta{display:flex;flex-wrap:wrap;gap:13px;color:#718498;font-size:13px;margin:15px 0 22px}.article-meta span{display:inline-flex;align-items:center;gap:5px}.takeaways{border:1px solid #c8eae0;background:#effaf5;padding:24px 28px;border-radius:16px;margin:27px 0 32px}.takeaways h2{font-size:19px;margin:0 0 12px}.takeaways ul{margin:0}.takeaways li{margin:7px 0;color:#295467}.toc-card,.side-cta{border:1px solid var(--line);border-radius:15px;padding:23px;background:#fff;position:sticky;top:115px}.toc-card h3{margin:0 0 12px;font-size:16px}.toc-card ul{padding:0;list-style:none}.toc-card li{margin:9px 0}.toc-card a{color:#516780;font-size:13px;line-height:1.45;display:block}.toc-card a:hover{color:#079c87}.side-cta{position:static;margin-top:20px;background:#eff7f6}.side-cta p{font-size:13px;color:#5c7582}.source-box{padding:22px 25px;background:#f6f9fb;border-left:3px solid #0db69d;border-radius:4px 13px 13px 4px;margin:35px 0}.source-box h3{margin:0 0 8px;font-size:17px}.source-box p{font-size:14px;margin-bottom:7px}.source-box a{display:block;margin:7px 0;font-size:14px}.related-links{margin-top:35px;padding-top:20px;border-top:1px solid var(--line)}.related-links .pills{display:flex;flex-wrap:wrap;gap:10px}.pill{border:1px solid #cce5dd;background:#f3faf8;border-radius:99px;color:#19746b;padding:8px 13px;font-weight:700;font-size:13px}.faq{border-top:1px solid var(--line);margin-top:14px}.faq details{border-bottom:1px solid var(--line);padding:16px 0}.faq summary{cursor:pointer;font-weight:760;color:var(--dark);padding-right:18px}.faq details p{font-size:14px;color:#64778b;margin-top:10px;margin-bottom:0}.filterbar{display:flex;align-items:center;gap:10px;flex-wrap:wrap;margin:10px 0 29px}.filterbar a,.filterbar button{border:1px solid var(--line);border-radius:99px;background:#fff;padding:9px 17px;color:#456078;font-size:13px;font-weight:750}.filterbar a:hover,.filterbar a.active{border-color:#068b7c;background:#e8f8f2;color:#078c7a}.empty-state{padding:35px;border:1px dashed #b4cfd0;border-radius:15px;background:#f8fbfb;text-align:center;color:#6d8395}
.calc-shell{display:grid;grid-template-columns:minmax(0,1fr) minmax(300px,.75fr);gap:27px;align-items:stretch;margin:35px 0}.calc-form,.calc-result{border:1px solid var(--line);border-radius:20px;background:#fff;box-shadow:0 10px 29px rgba(24,54,76,.04);padding:28px}.calc-form h2,.calc-result h2{margin:0 0 20px;font-size:22px}.field{display:flex;flex-direction:column;gap:7px;margin-bottom:18px}.field label{font-size:13px;color:#52677d;font-weight:780}.field input,.field select,.field textarea{width:100%;border:1px solid #d7e3ea;background:#fbfdfe;border-radius:10px;padding:12px 14px;color:#18324d;font-size:15px;min-width:0}.field input:focus,.field select:focus,.field textarea:focus{border-color:#0db69d;outline:3px solid #d9f7ee}.field small{font-size:12px;color:#7c8c99}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:0 17px}.calc-result{background:#0e2943;color:#f1f9fc;border-color:#0e2943}.calc-result h2{color:#f8ffff}.result-kicker{font-size:13px;color:#b4ccda}.big-result{font-size:clamp(30px,4vw,48px);font-weight:850;letter-spacing:-.05em;color:#74e1c8;line-height:1.2;margin:6px 0 20px;overflow-wrap:anywhere}.result-line{display:flex;align-items:baseline;justify-content:space-between;gap:15px;padding:11px 0;border-bottom:1px solid rgba(255,255,255,.12);font-size:13px;color:#b5cfdf}.result-line strong{color:#f8fcff;font-size:15px;text-align:right}.result-note{margin:23px 0 0;padding:14px;background:rgba(255,255,255,.07);border-radius:11px;font-size:12px;color:#cfdee5}.error{color:#fca8a8;font-size:13px;min-height:19px}.currency-line{display:flex;align-items:center;gap:10px;flex-wrap:wrap;margin:0 0 22px}.currency-line label{font-size:13px;font-weight:800;color:#536d80}.currency-line select{border-radius:8px;border:1px solid var(--line);padding:7px 11px;background:white}.progress-track{height:10px;background:#d7e5e4;border-radius:10px;overflow:hidden;margin:12px 0 17px}.progress-fill{height:100%;width:15%;background:#15b69c;transition:width .25s}.sub-row{display:grid;grid-template-columns:1.3fr .8fr .8fr auto;gap:8px;align-items:center;margin-bottom:10px}.sub-row input,.sub-row select{width:100%;min-width:0;border:1px solid #d7e3ea;border-radius:9px;padding:10px 9px;font-size:13px;background:#fbfdfe}.remove-row{width:37px;height:38px;border:1px solid #ebd5d5;border-radius:9px;background:#fff8f8;color:#af3e3e}.calc-list{margin:15px 0 6px}.range-row{display:flex;justify-content:space-between;gap:8px}.range-row .field{flex:1}.field input[type=range]{padding:0;accent-color:#0aae99}.action-row{display:flex;gap:10px;flex-wrap:wrap}.action-row .btn{flex:1}
.footer{background:#0a1c32;color:#c7d7e5;padding:64px 0 22px}.footer .brand-word{color:#fff}.footer-grid{display:grid;grid-template-columns:1.7fr 1fr 1fr 1fr;gap:35px}.footer p{font-size:13px;color:#a9bfd0;margin:18px 0}.footer h3{font-size:14px;color:#fff;letter-spacing:0;margin:0 0 16px}.footer a{display:block;color:#b6cada;font-size:13px;margin:10px 0}.footer a:hover{color:#7be1c9}.footer-bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:42px;padding-top:19px;display:flex;gap:20px;justify-content:space-between;font-size:12px;color:#88a1b5}.info-prose{max-width:805px}.info-prose h2{font-size:25px;margin:35px 0 10px}.info-prose p,.info-prose li{color:#506477;line-height:1.85}.info-prose a{color:#078d80;text-decoration:underline}.contact-panel{display:grid;grid-template-columns:1fr 1fr;gap:25px;max-width:990px}.contact-panel .calc-form{box-shadow:none}.contact-note{background:#eff9f5;border-radius:18px;padding:27px;color:#3c6971}.contact-note h2{font-size:25px}.contact-note a{color:#087b73;font-weight:800;word-break:break-all}.search-box{display:flex;max-width:690px;align-items:center;gap:10px;background:white;border:1px solid #dae4eb;border-radius:12px;padding:6px 7px 6px 17px;box-shadow:0 12px 28px rgba(16,45,69,.06)}.search-box input{flex:1;min-width:0;border:0;outline:0;padding:10px 3px;background:transparent}.search-box:focus-within{outline:3px solid #d4f6ed;border-color:#62bbaa}.search-box .btn{padding:12px 20px}.search-meta{color:var(--muted);font-size:14px;margin-bottom:20px}.search-results{display:grid;gap:14px;max-width:850px}.search-hit{padding:22px;border:1px solid var(--line);border-radius:12px}.search-hit .smallcaps{font-size:10px}.search-hit h3{margin:4px 0 5px}.search-hit p{font-size:14px;color:var(--muted);margin:0}.section .guide-card,.section .tool-card{height:100%}.article-bottom-callout{margin-top:30px;border-radius:16px;padding:27px;background:#eaf7f2}.article-bottom-callout h3{margin:0 0 7px}.article-bottom-callout p{font-size:14px;margin:0 0 15px}.notice{padding:15px 19px;background:#eef6f9;border-left:3px solid #64b5d0;border-radius:9px;color:#3e6073;font-size:13px}.tool-results{min-height:190px}.article .key-numbers{border:1px solid var(--line);border-radius:15px;padding:23px;margin:25px 0}.key-numbers strong{font-size:26px;color:#078d82}
@media(max-width:1050px){.nav{gap:14px}.nav a{font-size:13px}.header-actions .btn{display:none}.hero-grid{gap:17px}.float-card{right:0}.footer-grid{grid-template-columns:1.5fr 1fr 1fr}}
@media(max-width:800px){.nav-toggle{display:grid}.nav{display:none;position:absolute;left:0;right:0;top:100%;background:white;flex-direction:column;align-items:stretch;gap:0;padding:10px 22px 20px;border-bottom:1px solid var(--line);box-shadow:0 15px 30px rgba(13,34,55,.1)}.nav.open{display:flex}.nav a{padding:13px 4px;border-bottom:1px solid var(--line);font-size:15px}.hero-grid{grid-template-columns:1fr;min-height:0;padding:60px 0 50px}.hero-visual{max-width:520px;width:100%;margin:auto}.grid3,.grid4{grid-template-columns:repeat(2,minmax(0,1fr))}.sidebar-layout{grid-template-columns:1fr}.article-side{display:none}.feature-band{grid-template-columns:1fr}.calc-shell{grid-template-columns:1fr}.footer-grid{grid-template-columns:1.3fr 1fr;gap:28px}.contact-panel{grid-template-columns:1fr}.steps{gap:10px}}
@media(max-width:560px){.wrap{width:min(100% - 30px,1150px)}.announcement{font-size:11px}.head-inner{min-height:67px}.brand img{width:39px;height:39px}.brand-word{font-size:16px}.brand-word small{font-size:8px}.header-actions{gap:6px}.hero-grid{padding-top:43px}.hero h1{font-size:2.65rem}.hero p{font-size:15px}.hero-visual{min-height:315px;padding:0}.dashboard{padding:18px;transform:none}.float-card{right:-5px;bottom:0}.float-dot{top:3px}.section{padding:54px 0}.section-top{align-items:start;flex-direction:column;gap:12px}.grid3,.grid4{grid-template-columns:1fr}.tool-card{min-height:0;padding:23px}.feature-band{padding:30px 22px}.steps{grid-template-columns:1fr}.step{padding:6px 2px}.cta-band{flex-direction:column;align-items:start;padding:34px 27px}.footer-grid{grid-template-columns:1fr 1fr}.footer-grid>div:first-child{grid-column:1 / -1}.footer-bottom{flex-direction:column;gap:6px}.page-hero{padding-bottom:35px}.page-hero h1{font-size:2.35rem}.page-main{padding:35px 0 60px}.form-grid{grid-template-columns:1fr}.calc-form,.calc-result{padding:21px}.sub-row{grid-template-columns:1fr 80px 92px 34px;gap:4px}.sub-row input,.sub-row select{font-size:11px;padding:9px 4px}.remove-row{width:34px}.search-box .btn{padding:11px}.search-box{padding-left:8px}.search-box input{font-size:13px}.article h2{font-size:23px}.hero-trust{gap:9px 14px}}
@media(prefers-reduced-motion:reduce){*,*::before,*::after{scroll-behavior:auto!important;transition:none!important}}

/* TechFinanceHubs -- Design 2: bright, accessible blue-and-white editorial layout */
:root{--navy:#0a173e;--dark:#0d2050;--ink:#141b34;--muted:#576584;--mint:#0a56f5;--mint2:#e4efff;--line:#dce4f1;--bg:#f7faff;--shadow:0 12px 32px rgba(19,49,103,.09)}
body{font-family:Inter,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;color:#111a37;background:#fff;font-size:15px;line-height:1.55}
.wrap{width:min(1510px,calc(100% - 56px))}h1,h2,h3,h4{color:#10172f;letter-spacing:-.035em}
a:hover{color:#064bf0}.smallcaps,.text-link{color:#084cf7}
.site-header{top:0;background:#fff;border-bottom:1px solid #e5ebf4}.head-inner{min-height:70px;gap:22px}.brand{gap:8px}.brand img{width:51px;height:51px}.brand-word{font-weight:860;font-size:23px;letter-spacing:-.05em;color:#091533}.brand-word>span{color:#0651f6}.brand-word small{font-size:10px;color:#303b63;letter-spacing:0;margin-top:2px;font-weight:560}
.nav{gap:25px}.nav a{color:#0d1732;font-size:14px;font-weight:720;position:relative;white-space:nowrap}.nav a:hover,.nav a[aria-current=page],.nav a.nav-home{color:#064df5}.nav a.nav-home:after{content:'';position:absolute;height:3px;bottom:-10px;background:#0a4fff;left:0;right:0;border-radius:5px}
.header-actions{min-width:240px;flex:1;justify-content:flex-end}.header-search{width:min(340px,100%);height:42px;border:1.5px solid #98b9ff;border-radius:17px;display:flex;align-items:center;padding:0 9px 0 13px;box-shadow:0 1px 5px rgba(52,110,255,.06)}.header-search input{border:0;outline:0;min-width:0;width:100%;font-size:12px;background:transparent}.header-search button{border:0;background:none;font-size:30px;color:#064bfa;height:35px;cursor:pointer;line-height:1}
.btn{background:#0b51ef;color:white}.btn:hover{background:#0942d4;color:white}.btn.dark{background:#0b51ef}.btn.dark:hover{background:#083fbc}.tool-icon{background:#ecf3ff;color:#1354f6}.tool-card:hover,.guide-card:hover,.topic-card:hover{border-color:#a1bfff}
.tfh-hero{height:390px;background:#edf5ff;position:relative;overflow:hidden}.tfh-hero-art{position:absolute;right:0;top:0;height:100%;width:58%;background-image:url('hero-woman.webp');background-repeat:no-repeat;background-size:cover;background-position:center 39%;mask-image:linear-gradient(to right,transparent 0%,black 19%);-webkit-mask-image:linear-gradient(to right,transparent 0%,black 19%)}.tfh-hero:after{content:'';position:absolute;inset:0;background:linear-gradient(90deg,#fff 0%,#f7fbff 31%,rgba(247,251,255,.82) 43%,transparent 61%);pointer-events:none}.tfh-hero-inner{position:relative;z-index:2;height:100%;display:flex;align-items:center}.tfh-hero-copy{width:51%;padding:10px 0}.hero-chip{display:inline-block;padding:7px 13px;border-radius:999px;background:#dce6ff;color:#0d43d9;font-size:13px;font-weight:800}.tfh-hero h1{font-weight:850;letter-spacing:-.045em;font-size:clamp(2.5rem,3.95vw,4.3rem);line-height:1.08;margin:14px 0 17px}.tfh-hero h1 span{color:#0849f7}.tfh-hero p{font-size:16px;max-width:680px;line-height:1.53;color:#273452;margin:0 0 23px}.tfh-actions{display:flex;gap:14px;flex-wrap:wrap}.primary-button,.outline-button{display:inline-flex;align-items:center;gap:10px;justify-content:center;border-radius:10px;padding:13px 23px;font-size:14px;font-weight:780;text-decoration:none}.primary-button{color:#fff;background:#0a4df6;box-shadow:0 5px 11px rgba(32,96,235,.15)}.primary-button:hover{color:#fff;background:#093ccc}.outline-button{border:2px solid #0b4ff2;background:#fff;color:#0849ee}.outline-button:hover{background:#eaf1ff;color:#0b45c9}.tfh-qualities{display:flex;gap:20px;flex-wrap:wrap;margin-top:27px;font-size:12px;color:#14244d}.tfh-qualities span{display:flex;align-items:center;gap:8px}.tfh-qualities svg{color:#0c6bf4}
.category-band{display:grid;grid-template-columns:repeat(6,minmax(0,1fr));gap:11px;margin-top:20px;margin-bottom:26px}.category-tile{border-radius:13px;min-height:98px;padding:16px 12px;display:flex;align-items:center;gap:10px;color:#12213b;transition:transform .2s}.category-tile:hover{transform:translateY(-3px);color:#10203e}.category-icon{flex:0 0 47px;display:grid;place-items:center;color:#0a59f4}.category-tile strong{font-size:15px;line-height:1.2;display:block}.category-tile small{display:block;font-size:11px;line-height:1.5;margin-top:5px;color:#41526a}.category-tile b{font-size:25px;margin-left:auto}.cat-blue{background:#edf5ff}.cat-purple{background:#f4edff}.cat-purple .category-icon{color:#674bf0}.cat-green{background:#edf9f1}.cat-green .category-icon{color:#149653}.cat-orange{background:#fff4e8}.cat-orange .category-icon{color:#b76b07}.cat-pink{background:#fff0f4}.cat-pink .category-icon{color:#cc1551}
.tfh-main-panels{display:grid;grid-template-columns:1fr 1fr;gap:23px;margin-bottom:30px}.home-panel{border:1px solid #dce4f0;border-radius:17px;padding:22px;box-shadow:0 3px 12px rgba(27,49,90,.04);min-width:0}.home-panel-top{display:flex;align-items:flex-start;justify-content:space-between;gap:16px;margin-bottom:23px}.home-panel-top h2{font-size:23px;margin:0 0 5px;display:flex;align-items:center;gap:10px;line-height:1.19}.home-panel-top h2 svg{color:#0851f9}.home-panel-top p{font-size:13px;color:#3e4b67;margin:0}.home-panel-top>a{font-size:12px;color:#084cf9;font-weight:800;white-space:nowrap;margin-top:9px}.home-calcs{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:11px}.calc-tile{border:1px solid #e1e8f4;border-radius:14px;padding:13px 10px 12px;display:flex;flex-direction:column;text-align:center;align-items:center;min-height:218px;box-shadow:0 5px 10px rgba(27,53,98,.07);background:#fff}.calc-tile:hover{border-color:#8aabf2;background:#f8faff}.calc-tile>span{color:#0b50ed;margin-bottom:10px}.calc-tile h3{font-size:13px;margin:0 0 7px;line-height:1.32;min-height:34px}.calc-tile p{font-size:11px;line-height:1.4;color:#253451;margin:0 0 12px;flex:1}.calc-tile b{border:1.5px solid #0c53ee;border-radius:9px;color:#0b50e7;padding:7px 7px;font-size:10px;width:100%;white-space:nowrap}.latest-list{display:flex;flex-direction:column}.latest-item{display:flex;gap:13px;align-items:center;border-bottom:1px solid #dde4f0;padding:8px 0}.latest-item:last-child{border-bottom:0}.latest-item>img{width:130px;height:75px;border-radius:8px;object-fit:cover;flex-shrink:0}.latest-item>div{flex:1;min-width:0}.latest-item h3{font-size:14px;line-height:1.29;margin:2px 0 3px}.latest-item small{font-size:11px;color:#66728a}.guide-tag{display:inline-block;font-size:10px;border-radius:999px;background:#d7e7ff;color:#1647be;padding:2px 8px;font-weight:800}.latest-arrow{color:#0c4bf4;font-size:24px}
.tfh-featured,.tfh-more,.tfh-faq{padding-top:22px;padding-bottom:58px}.blue-bar{height:24px;width:5px;background:#1557f5;border-radius:5px;display:inline-block}.featured-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}.feature-article{display:flex;flex-direction:column;border:1px solid #e3eaf5;border-radius:14px;overflow:hidden;box-shadow:0 4px 16px rgba(23,50,99,.06)}.feature-article:hover{border-color:#86aeff;transform:translateY(-2px)}.feature-article>img{width:100%;aspect-ratio:1.9;object-fit:cover}.feature-article-inner{padding:15px 18px 19px;display:flex;flex-direction:column;flex:1}.feature-article h3{font-size:17px;line-height:1.34;margin:9px 0}.feature-article p{font-size:12px;color:#51617d;line-height:1.6;flex:1}.feature-read{color:#0b50e9;display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:800}
.tfh-explainer{background:linear-gradient(115deg,#f3f7ff,#e7efff);padding:67px 0}.explainer-layout{display:grid;grid-template-columns:1.3fr 1fr;gap:75px;align-items:center}.section-kicker{font-size:12px;letter-spacing:.1em;color:#1354ee;font-weight:800}.explainer-layout h2{font-size:clamp(28px,3vw,41px);margin:10px 0 17px}.explainer-layout p{color:#415170;line-height:1.7}.explainer-list{display:flex;flex-direction:column;gap:13px}.explainer-list>div{display:flex;gap:17px;padding:21px;background:#fff;border:1px solid #dce5f4;border-radius:13px;box-shadow:0 5px 13px rgba(18,51,114,.05)}.explainer-list b{font-size:22px;color:#1056f6}.explainer-list strong{display:block}.explainer-list small{color:#536481}.more-guides{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px 25px}.more-guides a{display:flex;align-items:flex-start;gap:12px;padding:14px 15px;border:1px solid #e0e8f4;border-radius:10px;font-weight:650}.more-guides a:hover{background:#eef5ff}.more-guides svg{color:#0d55e9;flex-shrink:0;margin-top:3px}.tfh-faq{display:grid;grid-template-columns:1fr 1.7fr;gap:50px}.tfh-faq h2{font-size:35px;margin:9px 0}.tfh-faq p{color:#52617a}.tfh-faq details{border:1px solid #e0e7f2;border-radius:10px;margin:0 0 10px;background:#fff;padding:15px 18px}.tfh-faq summary{font-weight:750;cursor:pointer}.tfh-faq details p{margin-top:13px}
.page-hero{background:linear-gradient(110deg,#eaf2ff,#f9fbff)}.page-hero .smallcaps{color:#0b50f4}.article a,.info-prose a{color:#0a50e9}.article h2{padding-top:5px}.guide-details h3{color:#10172f}.guide-label{color:#0d4be8}.guide-card img{object-fit:cover}.footer{background:#081733}.footer .brand-word,.footer h3{color:white}.footer .brand-word small{color:#a1b7d7}.footer .brand-word>span{color:#5d97ff}.notice{border-color:#c8defc}.source-box{background:#f4f8ff}.search-hit:hover{border-color:#7ea9ff}
@media(max-width:1350px){.nav{gap:15px}.nav a{font-size:12px}.header-actions{min-width:190px}.header-search{max-width:250px}.category-tile{padding:14px 9px;gap:7px}.category-icon{flex-basis:40px}.category-icon svg{width:34px}.category-tile small{font-size:10px}}
@media(max-width:1120px){.wrap{width:min(100% - 38px,1050px)}.header-search{display:none}.header-actions{min-width:auto;flex:0}.nav{gap:12px}.brand-word{font-size:20px}.tfh-hero-copy{width:58%}.tfh-hero-art{width:56%}.category-band{grid-template-columns:repeat(3,1fr)}.tfh-main-panels{grid-template-columns:1fr}.home-calcs{gap:16px}.calc-tile{min-height:200px}.latest-item>img{width:160px;height:88px}}
@media(max-width:850px){.nav-toggle{display:grid}.nav{display:none;position:absolute;top:69px;left:0;right:0;background:#fff;padding:20px 30px;box-shadow:0 18px 28px #1b335325;flex-direction:column;align-items:stretch;gap:12px}.nav.open{display:flex}.nav a.nav-home:after{display:none}.tfh-hero{height:auto;min-height:480px}.tfh-hero-inner{padding:38px 0 190px;align-items:flex-start}.tfh-hero-copy{width:100%;max-width:630px}.tfh-hero h1{font-size:clamp(39px,6vw,53px)}.tfh-hero-art{height:46%;width:100%;top:auto;bottom:0;background-position:65% 42%;mask-image:linear-gradient(to bottom,transparent 0%,black 38%);-webkit-mask-image:linear-gradient(to bottom,transparent 0%,black 38%)}.tfh-hero:after{background:linear-gradient(to bottom,white 0%,#f9fbff 50%,transparent 75%)}.tfh-hero p{font-size:15px;max-width:620px}.tfh-qualities{margin-top:20px}.featured-grid{grid-template-columns:repeat(2,1fr)}.explainer-layout{grid-template-columns:1fr;gap:23px}.tfh-faq{grid-template-columns:1fr;gap:17px}}
@media(max-width:600px){.wrap{width:calc(100% - 26px)}.head-inner{min-height:66px}.brand-word{font-size:18px}.brand-word small{font-size:8px}.brand img{width:43px;height:43px}.tfh-hero-inner{padding:30px 0 165px}.tfh-hero{min-height:540px}.tfh-hero h1{font-size:clamp(34px,9vw,43px)}.tfh-hero p{font-size:14px}.tfh-actions{gap:8px}.primary-button,.outline-button{padding:10px 13px;font-size:12px}.tfh-qualities{font-size:10px;gap:10px}.tfh-hero-art{height:37%}.category-band{grid-template-columns:repeat(2,1fr);gap:9px;margin-top:15px}.category-tile{min-height:93px}.tfh-main-panels{gap:15px}.home-panel{padding:15px}.home-panel-top{gap:6px}.home-panel-top h2{font-size:20px}.home-panel-top>a{font-size:10px}.home-calcs{grid-template-columns:repeat(2,1fr);gap:10px}.calc-tile{min-height:194px}.latest-item>img{width:98px;height:69px}.latest-item h3{font-size:12px}.featured-grid{grid-template-columns:1fr}.tfh-featured,.tfh-more,.tfh-faq{padding-bottom:40px}.tfh-explainer{padding:45px 0}.more-guides{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr 1fr}}

/* Display original 16:9 featured illustrations in full, without cutting edges. */
.article-hero-img,.guide-card img,.feature-article>img{aspect-ratio:16/9;object-fit:contain;background:#f5f8ff}

/* 2026-11-01 featured image and layout fix. Explicit heights override the HTML image dimensions. */
.feature-article>img,.guide-card>img,.article-hero-img{display:block;width:100%;height:auto;aspect-ratio:16 / 9;object-fit:cover;background:#f5f8ff;flex:none}
.feature-article{min-width:0;min-height:0;align-self:stretch}
.feature-article-inner{min-height:0;padding:17px 19px 20px}
.feature-article h3{font-size:17px;line-height:1.32;margin:9px 0}
.feature-article p{margin-bottom:12px}
/* Wider contemporary homepage as in the chosen blue-white reference design. */
body:has(.tfh-hero) .wrap{width:min(1440px,calc(100% - 60px))}
body:has(.tfh-hero) .featured-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:19px}
body:has(.tfh-hero) .feature-article>img{height:auto;aspect-ratio:16/9}
@media(max-width:850px){body:has(.tfh-hero) .wrap{width:calc(100% - 38px)}body:has(.tfh-hero) .featured-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:600px){body:has(.tfh-hero) .wrap{width:calc(100% - 26px)}body:has(.tfh-hero) .featured-grid{grid-template-columns:1fr}}
.worked-example{border:1px solid #b8d0fc;border-left:5px solid #1658ee;background:#f4f8ff;border-radius:12px;padding:23px 26px;margin:32px 0}
.worked-example h2{margin-top:0}.worked-example ul{margin:13px 0 0;padding-left:22px}.worked-example li{margin:7px 0}
@media(max-width:600px){.worked-example{padding:16px}}