/* ============ Finance Calculators — modern fintech design system ============ */
:root {
  --bg: #F7F9FC;
  --surface: #FFFFFF;
  --surface-2: #EEF2F7;
  --ink: #0F172A;
  --muted: #475569;
  --faint: #94A3B8;
  --accent: #10B981;
  --accent-dark: #059669;
  --accent-soft: #D1FAE5;
  --indigo: #4F46E5;
  --indigo-soft: #E0E7FF;
  --amber: #F59E0B;
  --amber-soft: #FEF3C7;
  --danger: #EF4444;
  --danger-soft: #FEE2E2;
  --line: #E2E8F0;
  --navy: #0B1220;
  --navy-2: #131C33;
  --radius: 18px;
  --shadow-sm: 0 1px 2px rgba(15, 23, 42, .05);
  --shadow: 0 1px 3px rgba(15, 23, 42, .07), 0 14px 34px -14px rgba(15, 23, 42, .18);
  --shadow-lg: 0 2px 8px rgba(15, 23, 42, .08), 0 28px 56px -18px rgba(15, 23, 42, .24);
  --font-body: "Plus Jakarta Sans", system-ui, -apple-system, "Segoe UI", sans-serif;
  --font-display: "Sora", "Plus Jakarta Sans", system-ui, sans-serif;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--bg);
  color: var(--ink);
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
h1, h2, h3 { font-family: var(--font-display); letter-spacing: -0.025em; line-height: 1.15; }
img, svg { display: block; }
a { color: var(--indigo); }
::selection { background: var(--accent-soft); }

.wrap { max-width: 1140px; margin: 0 auto; padding: 0 22px; }
.wrap-narrow { max-width: 800px; margin: 0 auto; padding: 0 22px; }
main { display: block; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  font-family: var(--font-body); font-weight: 700; font-size: .95rem;
  border-radius: 12px; padding: 12px 24px; text-decoration: none;
  border: 1px solid transparent; cursor: pointer; white-space: nowrap;
  transition: transform .2s ease, box-shadow .2s ease, background-color .2s ease, border-color .2s ease;
}
.btn-primary { background: var(--accent); color: #052e21; box-shadow: 0 8px 20px -10px rgba(16, 185, 129, .7); }
.btn-primary:hover { background: #0da271; transform: translateY(-1px); box-shadow: 0 12px 24px -10px rgba(16, 185, 129, .75); }
.btn-sm { padding: 9px 18px; font-size: .86rem; border-radius: 10px; }
.btn-lg { padding: 15px 30px; font-size: 1.02rem; border-radius: 14px; }
.btn-ghostlight { border-color: rgba(255, 255, 255, .28); color: #fff; background: rgba(255, 255, 255, .07); }
.btn-ghostlight:hover { background: rgba(255, 255, 255, .14); transform: translateY(-1px); }
.btn:focus-visible, a:focus-visible, button:focus-visible, summary:focus-visible, input:focus-visible, select:focus-visible {
  outline: 3px solid rgba(16, 185, 129, .45); outline-offset: 2px;
}

/* ---------- Navbar ---------- */
.nav {
  position: sticky; top: 0; z-index: 60;
  background: rgba(255, 255, 255, .86);
  backdrop-filter: blur(14px); -webkit-backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--line);
}
.nav-inner {
  max-width: 1180px; margin: 0 auto; padding: 0 22px; height: 70px;
  display: flex; align-items: center; gap: 18px; position: relative;
}
.brand { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; }
.brand-mark { width: 32px; height: 32px; flex: none; }
.brand-word { font-family: var(--font-display); font-weight: 800; font-size: 1.04rem; color: var(--ink); letter-spacing: -0.02em; }
.brand-word em { font-style: normal; color: var(--accent-dark); }
.nav-links { margin-left: auto; display: flex; align-items: center; gap: 2px; }
.nav-link {
  padding: 9px 14px; border-radius: 10px; color: var(--muted);
  font-weight: 600; font-size: .9rem; text-decoration: none; transition: background-color .15s, color .15s;
}
.nav-link:hover { color: var(--ink); background: var(--surface-2); }
.nav-link[aria-current="page"] { color: var(--accent-dark); background: var(--accent-soft); }
.nav-links .btn { margin-left: 10px; }
.nav-toggle {
  display: none; margin-left: auto; width: 42px; height: 42px; border-radius: 10px;
  border: 1px solid var(--line); background: var(--surface); cursor: pointer;
  flex-direction: column; align-items: center; justify-content: center; gap: 5px;
}
.nav-toggle span { display: block; width: 18px; height: 2px; border-radius: 2px; background: var(--ink); transition: transform .2s, opacity .2s; }
@media (max-width: 940px) {
  .nav-toggle { display: flex; }
  .nav-links {
    display: none; position: absolute; top: 70px; left: 0; right: 0;
    background: var(--surface); flex-direction: column; align-items: stretch;
    padding: 12px 22px 22px; border-bottom: 1px solid var(--line); box-shadow: var(--shadow);
    margin-left: 0; gap: 2px;
  }
  .nav-links.open { display: flex; }
  .nav-link { padding: 12px 14px; font-size: .95rem; }
  .nav-links .btn { margin: 10px 0 0; }
}

/* ---------- Hero (homepage, dark navy) ---------- */
.hero {
  background:
    radial-gradient(55% 90% at 85% 0%, rgba(16, 185, 129, .16), transparent 60%),
    radial-gradient(45% 80% at 8% 100%, rgba(79, 70, 229, .18), transparent 60%),
    var(--navy);
  color: #fff;
  overflow: hidden;
}
.hero-inner { max-width: 1140px; margin: 0 auto; padding: 84px 22px 72px; }
.eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: .78rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase;
  color: #A7F3D0; background: rgba(16, 185, 129, .12); border: 1px solid rgba(16, 185, 129, .32);
  padding: 8px 16px; border-radius: 999px; margin-bottom: 26px;
}
.eyebrow .dot { width: 7px; height: 7px; border-radius: 50%; background: var(--accent); box-shadow: 0 0 10px var(--accent); }
.hero h1 {
  font-size: clamp(2.4rem, 6vw, 4rem); font-weight: 800; letter-spacing: -0.035em;
  line-height: 1.05; margin: 0 0 20px; max-width: 16ch; color: #fff;
}
.grad {
  background: linear-gradient(92deg, #34D399 10%, #A7F3D0 90%);
  -webkit-background-clip: text; background-clip: text; color: transparent;
}
.hero p { color: #B6C2D8; font-size: 1.1rem; max-width: 620px; margin: 0 0 34px; }
.hero p strong { color: #fff; font-weight: 700; }
.hero-cta { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 52px; }
.hero-stats { display: flex; gap: 44px; flex-wrap: wrap; }
.hero-stats > div { display: flex; flex-direction: column; gap: 2px; }
.hero-stats strong { font-family: var(--font-display); font-size: 1.7rem; font-weight: 800; color: #fff; letter-spacing: -0.02em; font-variant-numeric: tabular-nums; }
.hero-stats span { font-size: .82rem; color: #8FA0BC; font-weight: 600; letter-spacing: .04em; text-transform: uppercase; }

/* ---------- Sections ---------- */
.section { padding: 72px 0; }
.section-alt { background: var(--surface); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.section-head { max-width: 640px; margin-bottom: 34px; }
.section-head h2 { font-size: clamp(1.6rem, 3.4vw, 2.2rem); font-weight: 800; margin: 0 0 10px; }
.section-head p { color: var(--muted); margin: 0; font-size: 1.02rem; }
.kicker { display: inline-block; font-size: .76rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; color: var(--accent-dark); margin-bottom: 12px; }

/* ---------- Calculator cards (homepage) ---------- */
.cards-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); gap: 18px; }
.calc-card {
  background: var(--surface); border: 1px solid var(--line); border-radius: 20px;
  padding: 28px 24px; text-decoration: none; display: flex; flex-direction: column; gap: 12px;
  box-shadow: var(--shadow-sm);
  transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease;
}
.calc-card:hover { transform: translateY(-5px); box-shadow: var(--shadow); border-color: #A7F3D0; }
.card-icon {
  width: 50px; height: 50px; border-radius: 15px; display: flex; align-items: center; justify-content: center;
  background: var(--accent-soft); color: var(--accent-dark);
}
.calc-card:nth-child(2) .card-icon { background: var(--indigo-soft); color: var(--indigo); }
.calc-card:nth-child(3) .card-icon { background: #FEF3C7; color: #B45309; }
.calc-card:nth-child(4) .card-icon { background: #E0E7FF; color: #4338CA; }
.calc-card:nth-child(5) .card-icon { background: #FEE2E2; color: #B91C1C; }
.card-icon svg { width: 24px; height: 24px; }
.calc-card .t { font-family: var(--font-display); font-weight: 700; font-size: 1.1rem; color: var(--ink); letter-spacing: -0.01em; }
.calc-card .d { color: var(--muted); font-size: .92rem; flex: 1; }
.calc-card .go { color: var(--accent-dark); font-weight: 700; font-size: .9rem; }
.calc-card:hover .go { text-decoration: underline; }

/* ---------- Ad slots ---------- */
.ad-slot {
  max-width: 1140px; margin: 26px auto; min-height: 100px; border: 1.5px dashed #CBD5E1;
  border-radius: 14px; background: rgba(255, 255, 255, .6);
  display: flex; align-items: center; justify-content: center;
  color: var(--faint); font-size: .72rem; font-weight: 700;
  letter-spacing: .12em; text-transform: uppercase; text-align: center; padding: 14px 22px;
}

/* ---------- Calculator page head ---------- */
.crumbs { font-size: .82rem; color: var(--faint); margin: 26px 0 0; font-weight: 600; }
.crumbs a { color: var(--muted); text-decoration: none; }
.crumbs a:hover { color: var(--accent-dark); }
.page-head { padding: 18px 0 4px; max-width: 780px; }
.page-head h1 { font-size: clamp(1.9rem, 4.6vw, 2.7rem); font-weight: 800; margin: 0 0 12px; }
.page-head p { color: var(--muted); font-size: 1.05rem; margin: 0; }
.page-head p strong { color: var(--ink); }

/* ---------- Calculator layout ---------- */
.calc-grid { display: grid; grid-template-columns: 400px minmax(0, 1fr); gap: 20px; margin-top: 28px; align-items: start; }
@media (max-width: 920px) { .calc-grid { grid-template-columns: 1fr; } }
.card {
  background: var(--surface); border: 1px solid var(--line);
  border-radius: var(--radius); box-shadow: var(--shadow-sm);
}
.panel { padding: 28px; }
.panel h2 { font-size: 1.25rem; font-weight: 800; margin: 0 0 4px; }
.panel .sub { color: var(--muted); font-size: .9rem; margin: 0 0 22px; }
.result-card { position: sticky; top: 92px; overflow: hidden; }
@media (max-width: 920px) { .result-card { position: static; } }

/* ---------- Fields ---------- */
.field { margin-bottom: 20px; }
.field:last-child { margin-bottom: 0; }
.field > label, .field-label { display: block; font-size: .84rem; font-weight: 700; margin-bottom: 8px; color: var(--ink); }
.field .hint { font-size: .78rem; color: var(--faint); margin-top: 6px; line-height: 1.5; }
.input-row { display: flex; align-items: center; gap: 12px; }
.num-wrap {
  flex: 0 0 150px; display: flex; align-items: center;
  border: 1.5px solid var(--line); border-radius: 12px; background: var(--surface);
  overflow: hidden; transition: border-color .15s ease, box-shadow .15s ease;
}
.num-wrap .affix { padding: 0 2px 0 13px; color: var(--faint); font-size: .92rem; font-weight: 700; }
.num-wrap .affix.right { padding: 0 13px 0 2px; }
.num-wrap input {
  width: 100%; min-width: 0; border: 0; outline: 0; background: transparent;
  font-family: var(--font-body); font-weight: 700; font-size: 1.02rem; color: var(--ink);
  padding: 12px 8px; font-variant-numeric: tabular-nums;
}
.num-wrap:focus-within { border-color: var(--accent); box-shadow: 0 0 0 4px rgba(16, 185, 129, .14); }
input[type="range"] {
  flex: 1; min-width: 0; cursor: pointer; height: 36px; background: transparent;
  -webkit-appearance: none; appearance: none;
}
input[type="range"]::-webkit-slider-runnable-track { height: 6px; border-radius: 3px; background: var(--line); }
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none; width: 22px; height: 22px; border-radius: 50%;
  background: var(--surface); border: 3px solid var(--accent); margin-top: -8px;
  box-shadow: 0 2px 6px rgba(15, 23, 42, .18); cursor: grab;
}
input[type="range"]::-moz-range-track { height: 6px; border-radius: 3px; background: var(--line); }
input[type="range"]::-moz-range-thumb {
  width: 16px; height: 16px; border-radius: 50%;
  background: var(--surface); border: 3px solid var(--accent);
  box-shadow: 0 2px 6px rgba(15, 23, 42, .18); cursor: grab;
}
select {
  width: 100%; font-family: var(--font-body); font-weight: 600; font-size: .95rem; color: var(--ink);
  background: var(--surface); border: 1.5px solid var(--line); border-radius: 12px;
  padding: 12px 14px; outline: 0; transition: border-color .15s, box-shadow .15s;
}
select:focus { border-color: var(--accent); box-shadow: 0 0 0 4px rgba(16, 185, 129, .14); }
.seg { display: flex; border: 1.5px solid var(--line); border-radius: 12px; overflow: hidden; background: var(--surface-2); padding: 3px; gap: 3px; }
.seg button {
  flex: 1; appearance: none; border: 0; background: transparent; color: var(--muted);
  font-family: var(--font-body); font-size: .86rem; font-weight: 700; padding: 10px 4px; cursor: pointer; border-radius: 9px;
  transition: background-color .15s, color .15s, box-shadow .15s;
}
.seg button[aria-pressed="true"] { background: var(--surface); color: var(--accent-dark); box-shadow: var(--shadow-sm); }

/* ---------- Results ---------- */
.result-head { padding: 28px 28px 4px; }
.result-label { font-size: .76rem; font-weight: 800; letter-spacing: .09em; text-transform: uppercase; color: var(--faint); }
.big-number {
  font-family: var(--font-display); font-size: clamp(2.2rem, 5.6vw, 3.1rem); font-weight: 800;
  letter-spacing: -0.03em; line-height: 1.08; margin: 6px 0 4px; color: var(--ink);
  font-variant-numeric: tabular-nums;
}
.big-number .per { font-size: .95rem; color: var(--muted); font-family: var(--font-body); font-weight: 600; letter-spacing: 0; }
.result-note { color: var(--muted); font-size: .9rem; margin: 0; }
.stats {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(140px, 1fr));
  gap: 1px; background: var(--line); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line);
  margin-top: 22px;
}
.stat { background: var(--surface); padding: 16px 20px; }
.stat .k { font-size: .72rem; font-weight: 700; color: var(--faint); text-transform: uppercase; letter-spacing: .06em; }
.stat .v { font-size: 1.1rem; font-weight: 700; margin-top: 3px; font-variant-numeric: tabular-nums; color: var(--ink); }
.stat .v.good { color: var(--accent-dark); }
.stat .v.bad { color: var(--danger); }
.viz { padding: 22px 28px 26px; }
.viz h3 { font-size: .78rem; font-weight: 800; margin: 0 0 14px; color: var(--muted); text-transform: uppercase; letter-spacing: .07em; font-family: var(--font-body); }
.viz svg { display: block; width: 100%; height: auto; }
.legend { display: flex; flex-wrap: wrap; gap: 8px 18px; margin-top: 12px; font-size: .85rem; color: var(--muted); }
.legend span { display: inline-flex; align-items: center; gap: 8px; }
.swatch { width: 11px; height: 11px; border-radius: 4px; display: inline-block; flex: none; }
.callout { margin: 0 28px 28px; padding: 15px 18px; border-radius: 14px; font-size: .92rem; line-height: 1.55; }
.callout.good { background: var(--accent-soft); color: #065F46; border: 1px solid #A7F3D0; }
.callout.warn { background: var(--amber-soft); color: #92400E; border: 1px solid #FDE68A; }
.callout.bad { background: var(--danger-soft); color: #991B1B; border: 1px solid #FECACA; }
.callout strong { font-weight: 800; }

/* ---------- Schedule table ---------- */
.schedule { margin-top: 22px; }
.table-card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow-sm); overflow: hidden; }
.table-card h3 { padding: 22px 28px 2px; margin: 0; font-size: 1.25rem; font-weight: 800; }
.table-card .sub { padding: 0 28px 14px; color: var(--muted); font-size: .9rem; margin: 0; }
.table-scroll { overflow-x: auto; }
table { width: 100%; border-collapse: collapse; font-size: .9rem; font-variant-numeric: tabular-nums; min-width: 560px; }
th, td { padding: 11px 16px; text-align: right; }
th:first-child, td:first-child { text-align: left; padding-left: 28px; }
th:last-child, td:last-child { padding-right: 28px; }
thead th {
  font-size: .72rem; text-transform: uppercase; letter-spacing: .06em; color: var(--faint);
  font-weight: 800; background: #F8FAFC; position: sticky; top: 0;
}
tbody tr { border-top: 1px solid var(--line); }
tbody tr:nth-child(even) { background: #F8FAFC; }
tbody tr:hover { background: var(--accent-soft); }
tbody td { font-size: .87rem; font-weight: 600; color: var(--ink); }
tbody td:first-child { font-weight: 700; color: var(--muted); }

/* ---------- Explainer / SEO copy ---------- */
.explainer { margin-top: 34px; display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
@media (max-width: 860px) { .explainer { grid-template-columns: 1fr; } }
.explainer .card { padding: 28px; }
.explainer h3 { font-size: 1.22rem; font-weight: 800; margin: 0 0 12px; }
.explainer p { color: var(--muted); margin: 0 0 12px; font-size: .95rem; }
.explainer p:last-child { margin-bottom: 0; }
.formula {
  background: var(--navy); color: #A7F3D0; border-radius: 12px; padding: 16px 18px;
  font-family: ui-monospace, "SF Mono", Menlo, monospace; font-size: .92rem; margin: 14px 0;
  overflow-x: auto; white-space: nowrap;
}
.explainer ul { color: var(--muted); margin: 0; padding-left: 20px; font-size: .95rem; }
.explainer li { margin-bottom: 8px; }
.explainer li::marker { color: var(--accent-dark); }
.explainer strong { color: var(--ink); }

/* ---------- Related calculators ---------- */
.related { margin-top: 60px; }
.related h2 { font-size: clamp(1.5rem, 3vw, 1.9rem); font-weight: 800; margin: 0 0 20px; }
.related-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 14px; }
.related-grid a {
  text-decoration: none; background: var(--surface); border: 1px solid var(--line);
  border-radius: 16px; padding: 22px 20px; display: block;
  transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease;
}
.related-grid a:hover { transform: translateY(-3px); box-shadow: var(--shadow); border-color: #A7F3D0; }
.related-grid .t { font-weight: 700; display: block; margin-bottom: 6px; color: var(--ink); font-size: .98rem; }
.related-grid .d { color: var(--muted); font-size: .87rem; line-height: 1.55; }

/* ---------- FAQ ---------- */
.faq { margin-top: 60px; }
.faq-narrow { max-width: 800px; }
.faq h2 { font-size: clamp(1.5rem, 3vw, 1.9rem); font-weight: 800; margin: 0 0 20px; }
.faq details {
  border: 1px solid var(--line); border-radius: 14px; background: var(--surface);
  margin-bottom: 10px; overflow: hidden; transition: border-color .2s ease, box-shadow .2s ease;
}
.faq details[open] { border-color: #A7F3D0; box-shadow: var(--shadow-sm); }
.faq summary {
  padding: 18px 22px; font-weight: 700; cursor: pointer; list-style: none;
  display: flex; justify-content: space-between; gap: 14px; align-items: center; font-size: .97rem;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary:hover { color: var(--accent-dark); }
.chev { width: 20px; height: 20px; flex: none; color: var(--faint); transition: transform .25s ease, color .2s ease; }
.faq details[open] .chev { transform: rotate(180deg); color: var(--accent-dark); }
.faq details .a { padding: 0 22px 20px; color: var(--muted); font-size: .95rem; line-height: 1.65; }

/* ---------- Footer ---------- */
.footer { background: var(--navy); color: #94A3B8; margin-top: 80px; }
.footer-grid {
  max-width: 1180px; margin: 0 auto; padding: 60px 22px 36px;
  display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr; gap: 36px;
}
@media (max-width: 760px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
.f-brand p { font-size: .9rem; line-height: 1.65; margin: 14px 0 0; max-width: 300px; }
.brand-light .brand-word { color: #fff; }
.footer h4 { color: #fff; font-size: .76rem; font-weight: 800; text-transform: uppercase; letter-spacing: .09em; margin: 0 0 14px; font-family: var(--font-body); }
.footer nav a { display: block; color: #94A3B8; text-decoration: none; font-size: .9rem; padding: 5px 0; transition: color .15s; }
.footer nav a:hover { color: #fff; }
.footer-bottom { border-top: 1px solid rgba(255, 255, 255, .08); }
.footer-bottom-inner { max-width: 1180px; margin: 0 auto; padding: 26px 22px 34px; font-size: .82rem; color: #64748B; line-height: 1.65; }
.footer-bottom-inner p { margin: 0 0 8px; }
.footer-bottom-inner strong { color: #94A3B8; }
.copy { margin-top: 14px !important; color: #475569; }

/* ---------- Prose (text pages) ---------- */
.prose-card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow-sm); padding: 36px; margin-top: 26px; }
@media (max-width: 640px) { .prose-card { padding: 24px 20px; } }
.prose { max-width: 720px; color: var(--muted); }
.prose h2 { color: var(--ink); font-size: 1.3rem; font-weight: 800; margin: 32px 0 10px; }
.prose h2:first-child { margin-top: 0; }
.prose p { margin: 0 0 14px; font-size: .97rem; line-height: 1.7; }
.prose ul { margin: 0 0 14px; padding-left: 20px; font-size: .97rem; line-height: 1.7; }
.prose li { margin-bottom: 8px; }
.prose li::marker { color: var(--accent-dark); }
.prose strong { color: var(--ink); }
.prose a { color: var(--accent-dark); font-weight: 600; }

/* ---------- Contact highlight ---------- */
.contact-mail {
  display: inline-flex; align-items: center; gap: 10px; background: var(--accent-soft);
  border: 1px solid #A7F3D0; color: #065F46; font-weight: 700; font-size: 1.05rem;
  padding: 14px 22px; border-radius: 14px; text-decoration: none; margin: 6px 0 4px;
  transition: transform .2s ease, box-shadow .2s ease;
}
.contact-mail:hover { transform: translateY(-2px); box-shadow: var(--shadow); }

/* ---------- Responsive tweaks ---------- */
@media (max-width: 640px) {
  .hero-inner { padding: 60px 22px 52px; }
  .section { padding: 52px 0; }
  .panel { padding: 22px 20px; }
  .result-head { padding: 24px 20px 4px; }
  .viz { padding: 18px 20px 22px; }
  .callout { margin: 0 20px 22px; }
  .num-wrap { flex-basis: 132px; }
  .hero-stats { gap: 28px; }
  th:first-child, td:first-child { padding-left: 18px; }
  th:last-child, td:last-child { padding-right: 18px; }
  .table-card h3 { padding: 18px 20px 2px; }
  .table-card .sub { padding: 0 20px 12px; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition: none !important; animation: none !important; }
}