/* DigiForge HQ — single stylesheet. Navy #1E3A5F, Gold #E0A526 */
:root{--navy:#1E3A5F;--navy-2:#284d7a;--navy-ink:#13283f;--gold:#E0A526;--gold-soft:#fdf3dc;--bg:#fff;--bg-2:#F5F7FA;--line:#dde3ea;--text:#1d2733;--muted:#56616f;--ok:#1d7a4e;--ok-bg:#e8f6ee;--warn:#9a5b00;--warn-bg:#fff4e0;--radius:14px;--shadow:0 1px 2px rgba(19,40,63,.06),0 6px 24px rgba(19,40,63,.07);--font:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font-family:var(--font);font-size:18px;line-height:1.65;color:var(--text);background:var(--bg)}
img,svg{max-width:100%}
a{color:var(--navy-2);text-underline-offset:3px}
a:hover{color:var(--navy)}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px;border-radius:4px}
h1,h2,h3{color:var(--navy-ink);line-height:1.25;letter-spacing:-.01em}
h1{font-size:clamp(1.9rem,4.2vw,2.7rem);margin:.2em 0 .35em}
h2{font-size:clamp(1.35rem,2.6vw,1.7rem);margin:1.8em 0 .6em}
h3{font-size:1.2rem;margin:1.4em 0 .4em}
p{margin:0 0 1em}
.wrap{max-width:1180px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:8px;background:var(--navy);color:#fff;padding:8px 14px;border-radius:8px;z-index:10}
.skip:focus{left:12px}
.ic{width:1.15em;height:1.15em;flex:none;vertical-align:-.2em}

/* Header */
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.header-row{display:flex;align-items:center;justify-content:space-between;min-height:68px;gap:16px}
.brand{display:flex;align-items:center;gap:8px;text-decoration:none;color:var(--navy)}
.brand-mark{width:38px;height:38px}
.brand-name{font-weight:800;font-size:1.4rem;letter-spacing:-.02em;color:var(--navy)}
.brand-hq{background:var(--gold);color:var(--navy);font-weight:800;font-size:.85rem;padding:2px 10px;border-radius:999px;margin-left:2px}
.main-nav ul{list-style:none;margin:0;padding:0;display:flex;gap:4px}
.main-nav a{display:block;padding:10px 12px;border-radius:10px;text-decoration:none;color:var(--navy-ink);font-weight:600;font-size:1rem}
.main-nav a:hover,.main-nav a[aria-current]{background:var(--bg-2);color:var(--navy)}
.nav-toggle summary{display:none;list-style:none;cursor:pointer;padding:10px;border-radius:10px}
.nav-toggle summary::-webkit-details-marker{display:none}
.nav-toggle summary span{display:block;width:24px;height:3px;background:var(--navy);border-radius:2px;margin:4px 0}
.nav-toggle{display:none}
@media (max-width:900px){.main-nav .nav-desk{display:none}.nav-toggle{display:block}}
@media (max-width:900px){
  .nav-toggle summary{display:block}
  .nav-toggle:not([open])>ul{display:none}
  .nav-toggle[open]>ul{position:absolute;left:0;right:0;top:68px;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;padding:8px 16px 16px;box-shadow:var(--shadow)}
  .main-nav a{padding:14px 12px;font-size:1.1rem}
}
.crumbs{font-size:.95rem;color:var(--muted);padding-top:16px}
.crumbs a{color:var(--muted)}

/* Buttons */
.btn{display:inline-flex;align-items:center;gap:8px;background:var(--navy);color:#fff;border:2px solid var(--navy);padding:12px 22px;border-radius:12px;font-weight:700;font-size:1.05rem;text-decoration:none;cursor:pointer;font-family:inherit;line-height:1.2}
.btn:hover{background:var(--navy-ink);color:#fff}
.btn-gold{background:var(--gold);border-color:var(--gold);color:var(--navy-ink)}
.btn-gold:hover{background:#c99118;color:var(--navy-ink)}
.btn-outline{background:transparent;color:var(--navy)}
.btn-outline:hover{background:var(--navy);color:#fff}

/* Hero */
.hero{background:linear-gradient(160deg,var(--navy) 0%,#22466f 60%,#2a5585 100%);color:#fff;padding:56px 0 64px}
.hero h1{color:#fff;max-width:820px}
.hero p.lead{font-size:1.2rem;max-width:720px;color:#e6edf5}
.hero .eyebrow{color:var(--gold)}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:22px}
.hero-search{margin-top:26px;max-width:620px;position:relative}
.hero-search input{width:100%;padding:16px 18px;font-size:1.1rem;border-radius:12px;border:0;font-family:inherit}
.hero-search ul{list-style:none;margin:6px 0 0;padding:6px;background:#fff;border-radius:12px;box-shadow:var(--shadow);position:absolute;left:0;right:0;z-index:5}
.hero-search ul:empty{display:none}
.hero-search li a{display:block;padding:10px 12px;border-radius:8px;color:var(--navy-ink);text-decoration:none}
.hero-search li a:hover,.hero-search li a:focus{background:var(--bg-2)}
.eyebrow{display:inline-flex;align-items:center;gap:6px;font-weight:700;font-size:.85rem;letter-spacing:.06em;text-transform:uppercase;color:var(--navy-2)}

/* Key numbers strip */
.keynums{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:14px;margin-top:-34px;position:relative}
.keynum{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:16px 18px;box-shadow:var(--shadow)}
.keynum b{display:block;font-size:1.6rem;color:var(--navy);line-height:1.2}
.keynum span{font-size:.95rem;color:var(--muted)}

/* Sections & cards */
.section{padding:52px 0}
.section-alt{background:var(--bg-2)}
.section-head{display:flex;justify-content:space-between;align-items:end;gap:16px;flex-wrap:wrap;margin-bottom:22px}
.section-head h2{margin:0}
.grid{display:grid;gap:18px;grid-template-columns:repeat(auto-fill,minmax(260px,1fr))}
.card{display:flex;flex-direction:column;gap:8px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;text-decoration:none;color:var(--text);transition:border-color .15s,box-shadow .15s,transform .15s}
a.card:hover{border-color:var(--navy-2);box-shadow:var(--shadow);transform:translateY(-2px);color:var(--text)}
.card .ic{width:34px;height:34px;color:var(--navy);background:var(--gold-soft);padding:6px;border-radius:10px}
.card h3{margin:.3em 0 0;font-size:1.15rem}
.card p{margin:0;color:var(--muted);font-size:1rem}
.card .more{margin-top:auto;font-weight:700;color:var(--navy-2);display:flex;align-items:center;gap:6px;font-size:1rem}
.cluster-title{margin-top:1.6em}
.trust{display:grid;gap:18px;grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.trust div{background:#fff;border-radius:var(--radius);padding:20px;border:1px solid var(--line)}
.trust .ic{color:var(--ok);width:28px;height:28px}

/* Page head */
.page-head{padding-top:12px;padding-bottom:8px}
.page-head .intro{font-size:1.15rem;color:var(--muted);max-width:760px}
.meta{font-size:.95rem;color:var(--muted)}
.meta a{color:var(--muted)}

/* Layout with sidebar */
.calc-layout{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:36px;padding-bottom:56px;align-items:start}
@media (max-width:980px){.calc-layout{grid-template-columns:1fr}}
.sidebar{position:sticky;top:88px;display:flex;flex-direction:column;gap:18px}
@media (max-width:980px){.sidebar{position:static}}
.side-box{border:1px solid var(--line);border-radius:var(--radius);padding:18px 20px;background:#fff}
.side-box h2{font-size:1.05rem;margin:0 0 10px}
.side-cta{background:var(--gold-soft);border-color:#f0dcaa}
.side-cta .ic{width:30px;height:30px;color:var(--navy)}
.side-cta p{font-size:1rem}
.link-list{list-style:none;margin:0;padding:0}
.link-list li a{display:flex;gap:10px;align-items:center;padding:9px 6px;border-radius:8px;text-decoration:none;color:var(--navy-ink);font-size:1rem}
.link-list li a:hover{background:var(--bg-2)}
.link-list .ic{color:var(--navy-2)}
.link-list.plain li a{display:block}

/* Calculator card */
.calc-card{background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow);padding:26px;margin:10px 0 30px}
.calc-form{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:16px 20px}
.field{display:flex;flex-direction:column;gap:6px}
.field.full{grid-column:1/-1}
.field label,.field .label{font-weight:700;color:var(--navy-ink);font-size:1rem}
.field small{color:var(--muted);font-size:.9rem;line-height:1.4}
.field input,.field select{font:inherit;font-size:1.1rem;padding:12px 14px;border:2px solid var(--line);border-radius:10px;background:#fff;color:var(--text);min-height:52px;width:100%}
.field input:focus,.field select:focus{border-color:var(--navy-2);outline:none;box-shadow:0 0 0 3px rgba(40,77,122,.15)}
.money{position:relative}
.money::before{content:"$";position:absolute;left:14px;top:50%;transform:translateY(-50%);color:var(--muted);font-size:1.1rem}
.money input{padding-left:30px}
.radio-row{display:flex;flex-wrap:wrap;gap:10px}
.radio-row label{display:flex;align-items:center;gap:8px;border:2px solid var(--line);border-radius:10px;padding:10px 14px;font-weight:600;cursor:pointer;font-size:1rem}
.radio-row input{width:20px;height:20px;min-height:0;accent-color:var(--navy)}
.form-actions{grid-column:1/-1;display:flex;gap:12px;flex-wrap:wrap;margin-top:4px}
.result{margin-top:24px;border-radius:14px;background:var(--bg-2);padding:20px 22px;border:1px solid var(--line)}
.result[hidden]{display:none}
.result h2{font-size:1.2rem;margin:0 0 12px}
.big-num{font-size:clamp(2rem,5vw,2.6rem);font-weight:800;color:var(--navy);line-height:1.15}
.res-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:12px;margin:12px 0}
.res-grid div{background:#fff;border-radius:10px;padding:12px 14px;border:1px solid var(--line)}
.res-grid b{display:block;font-size:1.3rem;color:var(--navy)}
.res-grid span{font-size:.92rem;color:var(--muted)}
.note{font-size:.95rem;color:var(--muted)}
.badge{display:inline-block;padding:3px 10px;border-radius:999px;font-size:.85rem;font-weight:700}
.badge-ok{background:var(--ok-bg);color:var(--ok)}
.badge-warn{background:var(--warn-bg);color:var(--warn)}
.alert{padding:12px 16px;border-radius:10px;margin:10px 0;font-size:1rem}
.alert-warn{background:var(--warn-bg);color:#6b3f00}
.alert-ok{background:var(--ok-bg);color:#145a39}
.data-note{display:flex;gap:8px;align-items:flex-start;font-size:.92rem;color:var(--muted);margin:18px 0 0}
.data-note .ic{color:var(--ok);margin-top:3px}

/* Prose (articles & content) */
.prose{max-width:780px}
.prose .lead{font-size:1.2rem;color:var(--navy-ink)}
.prose ul,.prose ol{padding-left:1.3em}
.prose li{margin:.3em 0}
.table{width:100%;border-collapse:collapse;margin:1em 0 1.5em;font-size:1rem;display:block;overflow-x:auto}
.table th,.table td{border-bottom:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}
.table thead th{background:var(--navy);color:#fff;font-weight:700;white-space:nowrap}
.table thead th:first-child{border-top-left-radius:10px}
.table thead th:last-child{border-top-right-radius:10px}
.table tbody tr:nth-child(even){background:var(--bg-2)}
.keybox{background:var(--gold-soft);border-left:5px solid var(--gold);border-radius:10px;padding:16px 22px;margin:1.2em 0 1.6em}
.keybox h2{margin:.2em 0 .4em;font-size:1.2rem}
.keybox ul{margin:0}
.cta-box{background:var(--bg-2);border:1px solid var(--line);border-radius:var(--radius);padding:20px 22px;margin:1.6em 0;display:flex;flex-wrap:wrap;gap:12px 20px;align-items:center;justify-content:space-between}
.cta-box p{margin:0;flex:1 1 300px}
.faq details{border:1px solid var(--line);border-radius:12px;margin:10px 0;background:#fff}
.faq summary{cursor:pointer;padding:14px 18px;font-weight:700;color:var(--navy-ink);list-style:none;position:relative;padding-right:44px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:18px;top:50%;transform:translateY(-50%);font-size:1.4rem;color:var(--navy-2)}
.faq details[open] summary::after{content:"–"}
.faq details>div{padding:0 18px 6px}
.sources ul{font-size:.98rem}
.toc{border:1px solid var(--line);border-radius:12px;padding:6px 18px;margin:0 0 1.4em;background:var(--bg-2)}
.toc summary{font-weight:700;cursor:pointer;padding:8px 0;color:var(--navy-ink)}
.toc ol{margin:0 0 10px;font-size:1rem}
.author-box{display:flex;gap:16px;align-items:flex-start;border:1px solid var(--line);border-radius:var(--radius);padding:18px;margin:2em 0 1em;background:#fff}
.author-box p{margin:0;font-size:1rem;color:var(--muted)}
.author-box .author-name{font-weight:700;color:var(--navy-ink)}
.avatar{width:52px;height:52px;border-radius:50%;background:var(--navy);color:var(--gold);display:grid;place-items:center;font-weight:800;font-size:1.4rem;flex:none}
.disclaimer-inline{font-size:.92rem;color:var(--muted);border-top:1px solid var(--line);padding-top:14px;margin-top:2em}
.legal{max-width:800px;padding-bottom:56px}
.legal h2{font-size:1.3rem}

/* Schedule table output */
.sched{width:100%;border-collapse:collapse;margin-top:8px;font-size:1rem}
.sched th,.sched td{padding:10px 12px;border-bottom:1px solid var(--line);text-align:left}
.sched th{background:var(--navy);color:#fff}
.sched tr.next td{background:var(--gold-soft);font-weight:700}

/* Contact */
.contact-grid{display:grid;grid-template-columns:minmax(0,1.4fr) minmax(0,1fr);gap:32px;padding-bottom:56px}
@media (max-width:860px){.contact-grid{grid-template-columns:1fr}}
.contact-form textarea{font:inherit;font-size:1.05rem;padding:12px 14px;border:2px solid var(--line);border-radius:10px;min-height:170px;width:100%;resize:vertical}
.hp{position:absolute!important;left:-9999px!important;width:1px;height:1px;overflow:hidden}

/* Footer */
.site-footer{background:var(--navy-ink);color:#c9d4e2;padding:48px 0 24px;font-size:1rem}
.site-footer a{color:#fff}
.site-footer h2{color:#fff;font-size:1.05rem;margin:0 0 10px}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin:6px 0}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:28px}
@media (max-width:860px){.footer-grid{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.footer-grid{grid-template-columns:1fr}}
.brand-footer .brand-name{color:#fff}
.footer-legal{border-top:1px solid rgba(255,255,255,.15);margin-top:30px;padding-top:20px;font-size:.9rem;color:#a9b6c6}
.notfound{text-align:center;padding:40px 20px 64px}
@media print{.site-header,.site-footer,.sidebar,.ads,.cta-box{display:none}}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
fieldset.field{min-width:0}.calc-form>*{min-width:0}
.prose,.side-box{overflow-wrap:anywhere}.calc-layout>*{min-width:0}