:root{
  --navy:#102A32;
  --navy-2:#173942;
  --text:#182025;
  --muted:#667378;
  --cream:#F6F5F0;
  --green:#72c776;
  --green-dark:#55ad5b;
  --green-text:#3f8344;
  --green-soft:#edf8ed;
  --line:#e3e8e4;
  --white:#fff;
  --shadow:0 18px 48px rgba(16,42,50,.10);
  --radius:18px;
  --max:1240px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;hyphens:none;overflow-wrap:normal;font-family:Inter,Manrope,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--text);background:#f7f8f7;line-height:1.5}
a{color:inherit;text-decoration:none}
button,input{font:inherit}
img{display:block;max-width:100%}
.container{width:min(var(--max),calc(100% - 40px));margin:auto}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:0;border-radius:9px;padding:14px 22px;font-weight:800;cursor:pointer;transition:.18s ease;background:var(--green);color:#fff;box-shadow:0 6px 18px rgba(85,173,91,.18)}
.btn:hover{transform:translateY(-1px);background:var(--green-dark)}
.btn.secondary{background:#fff;color:var(--navy);box-shadow:none;border:1px solid var(--line)}
.eyebrow{font-size:13px;font-weight:900;letter-spacing:.1em;text-transform:uppercase;color:var(--green-dark)}
.icon{width:26px;height:26px;stroke:currentColor;fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.section-title{font-size:34px;line-height:1.12;text-align:center;margin:0 0 28px;color:var(--navy);letter-spacing:-.03em}
.small{font-size:13px;color:var(--muted)}

/* Header */
.site-header{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.94);backdrop-filter:blur(14px);border-bottom:1px solid rgba(227,232,228,.9)}
.nav{height:74px;display:flex;align-items:center;justify-content:space-between;gap:26px}
.logo{display:flex;align-items:baseline;font-weight:900;font-size:20px;letter-spacing:-.012em;color:var(--navy);white-space:nowrap;text-shadow:0 1px 1px rgba(16,42,50,.26)}


.menu{display:flex;gap:30px;align-items:center;font-weight:750;font-size:14px;color:#2e3c41}
.menu a:hover{color:var(--green-dark)}
.mobile-toggle{display:none;border:0;background:none;color:var(--navy);font-size:28px}

/* Hero */
.hero{background:#fff;overflow:hidden}
.hero-inner{min-height:540px;display:grid;grid-template-columns:1.04fr .96fr;grid-template-areas:"head visual" "body visual";align-items:stretch;position:relative}
.hero-head{grid-area:head}.hero-body{grid-area:body}.hero-visual{grid-area:visual}
.hero-head{padding:74px 36px 0 0;position:relative;z-index:3}
.hero-body{padding:22px 36px 68px 0;position:relative;z-index:3}
.hero h1{font-size:56px;line-height:1.02;letter-spacing:-.055em;margin:12px 0 20px;color:var(--navy);max-width:620px}
.hero p.lead{font-size:17px;max-width:600px;color:#4d5b60;margin:0 0 22px}
.checks{display:grid;gap:10px;margin:20px 0 28px}
.check{display:flex;gap:10px;align-items:center;font-weight:750;font-size:14px}
.check i{width:21px;height:21px;border-radius:50%;background:var(--green);color:#fff;display:grid;place-items:center;font-style:normal;font-size:13px}
.hero-actions{display:flex;gap:14px;align-items:center;flex-wrap:wrap}
.text-link{font-weight:800;font-size:14px;color:var(--navy)}
.hero-visual{position:relative;min-height:540px;background:#dfeeed;overflow:hidden}
.hero-visual:before{content:"";position:absolute;inset:0;background-image:linear-gradient(90deg,rgba(255,255,255,.82) 0%,rgba(255,255,255,.05) 28%,rgba(16,42,50,.02) 100%),url('hero-house.webp?v=3');background-size:cover;background-position:center 48%;transform:scale(1.02)}
.hero-visual:after{content:"";position:absolute;inset:auto 0 0;height:100px;background:linear-gradient(transparent,rgba(10,32,37,.22))}
.finance-card{position:absolute;right:22px;top:34px;z-index:4;width:min(378px,calc(100% - 40px));padding:24px 24px 26px;background:rgba(255,255,255,.97);border-radius:17px;box-shadow:0 25px 60px rgba(10,34,40,.22)}
.finance-card h3{margin:0 0 18px;font-size:19px;color:var(--navy)}
.finance-card .range-block{margin-bottom:15px}
.finance-card .term-label{margin-bottom:7px}
.finance-card .term-buttons{margin-bottom:16px}
.finance-card .term-buttons button{padding:10px 4px;font-size:12px}
.finance-card .finance-row{padding:4px 0}
.calc-note{font-size:11px;line-height:1.5;color:var(--muted);margin:0 0 15px}
.finance-card .disclose{margin:12px 0 0}
.finance-card .disclose a{color:var(--green-dark);font-weight:800}
.hero-note{font-size:12px;line-height:1.55;color:var(--muted);margin:16px 0 0;max-width:520px}
.hero-note a{color:var(--green-dark);font-weight:800}
.finance-card>.btn{width:100%}
.finance-row{display:flex;justify-content:space-between;gap:18px;padding:7px 0;font-size:14px}
.finance-row strong{font-weight:850}
.finance-card hr{border:0;border-top:1px solid var(--line);margin:18px 0}
.rate-label{font-size:14px;font-weight:800;color:#34474d}
.rate{font-size:34px;color:var(--green-dark);font-weight:900;letter-spacing:-.04em;margin:3px 0 16px}
.finance-card .btn{width:100%}

/* Trust */
.trust{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.trust-grid{display:grid;grid-template-columns:repeat(4,1fr);padding:20px 0}
.trust-item{display:flex;align-items:center;gap:12px;padding:0 26px;border-right:1px solid var(--line)}
.trust-item:first-child{padding-left:0}.trust-item:last-child{border-right:0;padding-right:0}
.trust-item .icon{color:var(--green-dark);width:30px;height:30px;flex:0 0 auto}
.trust-item strong{display:block;font-size:14px;color:var(--navy)}
.trust-item span{display:block;font-size:12px;color:var(--muted);margin-top:1px}

main{background:#fff}
.section{padding:70px 0}
.section.soft{background:#fbfcfa}

/* Needs */
.needs-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.need-card{border:1px solid var(--line);border-radius:14px;padding:20px;display:flex;gap:16px;align-items:center;min-height:112px;background:#fff;transition:.2s ease}
.need-card:hover{transform:translateY(-2px);box-shadow:0 14px 32px rgba(16,42,50,.08);border-color:#cfe2cf}
.need-icon{width:52px;height:52px;border-radius:50%;background:var(--green-soft);display:grid;place-items:center;color:var(--green-dark);flex:0 0 auto}
.need-card h3{font-size:16px;margin:0 0 4px;color:var(--navy)}
.need-card p{font-size:13px;color:var(--muted);margin:0}

/* Calculator */
.calc-wrap{background:linear-gradient(135deg,#f7faf6,#f0f6ef);border:1px solid #dfe9de;border-radius:20px;padding:38px;box-shadow:inset 0 1px 0 rgba(255,255,255,.8)}
.calc-top{display:grid;grid-template-columns:1fr 40px 1fr 40px 1fr;gap:15px;align-items:center}
.amount-box{background:#fff;border:1px solid var(--line);border-radius:12px;padding:20px;text-align:center}
.amount-box .value{font-size:31px;line-height:1;font-weight:900;letter-spacing:-.045em;color:var(--navy)}
.amount-box .value.green{color:var(--green-dark)}
.amount-box span{font-size:12px;font-weight:800;color:#627075}
.operator{text-align:center;font-size:27px;color:#526267}
.controls{display:grid;grid-template-columns:1fr 1fr;gap:26px;margin-top:28px}
.range-block label{font-size:13px;font-weight:850;color:#425359}
.rb-head{display:flex;justify-content:space-between;align-items:center;gap:10px;margin-bottom:8px}
.numfield{width:126px;text-align:right;font:inherit;font-size:14px;font-weight:850;color:var(--navy);border:1px solid var(--line);border-radius:8px;padding:7px 9px;background:#fff}
.numfield:focus{outline:2px solid var(--green);outline-offset:1px;border-color:var(--green)}
.range-block input[type=range]{width:100%;height:26px;accent-color:var(--green-dark);cursor:pointer}
.term-label{font-size:13px;font-weight:850;color:#425359;margin-bottom:8px}
.term-buttons{display:grid;grid-template-columns:repeat(4,1fr);border:1px solid var(--line);border-radius:9px;overflow:hidden;background:#fff}
.term-buttons button{border:0;border-right:1px solid var(--line);padding:12px 5px;background:#fff;cursor:pointer;font-weight:800;font-size:13px;color:#4b5b60}
.term-buttons button:last-child{border-right:0}.term-buttons button.active{background:var(--green);color:#fff}
.calc-result{display:flex;justify-content:space-between;align-items:center;gap:30px;margin-top:28px;padding-top:24px;border-top:1px solid #dce7dc}
.calc-result .monthly{font-size:30px;font-weight:900;color:var(--green-dark);letter-spacing:-.035em}
.calc-result small{display:block;color:var(--muted);margin-top:3px}

/* Steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.step{border:1px solid var(--line);border-radius:14px;padding:22px 18px;text-align:center;background:#fff;position:relative}
.step-number{position:absolute;top:13px;left:13px;background:var(--green);color:#fff;width:23px;height:23px;border-radius:50%;display:grid;place-items:center;font-weight:900;font-size:12px}
.step .icon{width:38px;height:38px;color:var(--navy);margin:8px auto 12px}
.step h3{font-size:15px;margin:0 0 5px;color:var(--navy)}
.step p{font-size:12px;color:var(--muted);margin:0}

/* Advisor */
.advisor{display:grid;grid-template-columns:.9fr 1.1fr;border:1px solid var(--line);border-radius:18px;overflow:hidden;background:#fff}
.advisor-photo{min-height:320px;background-image:url('advisor.webp?v=2');background-size:cover;background-position:center}
.advisor-copy{padding:44px 46px;display:flex;flex-direction:column;justify-content:center}
.advisor-copy h2{font-size:34px;line-height:1.12;letter-spacing:-.035em;color:var(--navy);margin:0 0 16px}
.advisor-copy p{color:#526166;margin:0 0 20px;max-width:640px}
.badges{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:22px}
.badge{display:flex;align-items:center;gap:8px;border:1px solid var(--line);border-radius:10px;padding:9px 11px;font-size:12px;font-weight:800;background:#fff}
.badge .icon{width:20px;height:20px;color:var(--navy)}
.advisor-copy .btn{align-self:flex-start}

/* Articles */
.article-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.article{border:1px solid var(--line);border-radius:14px;overflow:hidden;background:#fff;transition:.2s ease}
.article:hover{transform:translateY(-2px);box-shadow:0 15px 34px rgba(16,42,50,.08)}
.thumb{height:138px;display:flex;align-items:center;justify-content:center;position:relative;overflow:hidden;background:linear-gradient(135deg,#e8efe6,#f7efe3)}
.thumb:before,.thumb:after{content:"";position:absolute;border-radius:50%;background:rgba(114,199,118,.18)}
.thumb:before{width:120px;height:120px;left:-26px;top:-38px}.thumb:after{width:150px;height:150px;right:-50px;bottom:-80px}
.thumb svg{width:70px;height:70px;color:var(--navy);opacity:.75;z-index:1}
.article-body{padding:17px}
.article h3{font-size:16px;line-height:1.3;margin:0 0 11px;color:var(--navy)}
.article a{font-size:13px;font-weight:850;color:var(--green-dark)}

/* Testimonials */
.testimonials{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:28px}
.quote{border:1px solid var(--line);border-radius:14px;padding:22px;background:#fff;min-height:185px}
.stars{color:#e2ad3a;letter-spacing:2px;font-size:17px}.quote p{font-size:13px;color:#506065;line-height:1.6}.quote strong{font-size:13px;color:var(--navy)}.quote span{font-size:12px;color:var(--muted)}

/* FAQ */
.faq{display:grid;grid-template-columns:1fr 1fr;gap:10px 16px}
.faq-item{border:1px solid var(--line);border-radius:10px;background:#fff;overflow:hidden}
.faq-q{width:100%;border:0;background:#fff;padding:15px 17px;display:flex;justify-content:space-between;gap:14px;align-items:center;text-align:left;font-weight:800;color:var(--navy);cursor:pointer}
.faq-a{display:none;padding:0 17px 16px;color:#58686d;font-size:13px}
.faq-item.open .faq-a{display:block}.faq-item.open .faq-q span{transform:rotate(180deg)}
.faq-q span{transition:.2s ease}

/* CTA + footer */
.final-cta{position:relative;overflow:hidden;background:var(--navy);color:#fff;padding:54px 20px;text-align:center}
.final-cta:before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(16,42,50,.92),rgba(16,42,50,.72)),url('alps.webp?v=2') center/cover no-repeat;opacity:.95}
.final-cta>*{position:relative;z-index:1}.final-cta h2{font-size:34px;margin:0 0 5px;letter-spacing:-.035em}.final-cta p{margin:0 0 20px;color:#d8e5e6}
.footer{background:#0d2931;color:#d8e5e6;padding:45px 0 25px}
.footer-grid{display:grid;grid-template-columns:1.45fr .7fr .85fr 1fr;gap:45px}
.footer .logo{color:#fff}.footer p,.footer a{font-size:13px;color:#b9cbcf}.footer h4{color:#fff;margin:0 0 12px;font-size:13px}.footer-links{display:grid;gap:7px}.foot-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:35px;padding-top:20px;display:flex;justify-content:space-between;gap:20px;font-size:12px;color:#9fb4b8}.legal{display:flex;gap:18px;flex-wrap:wrap}

@media (max-width:1020px){
  .menu{display:none}.mobile-toggle{display:block}.nav>.btn{display:none}
  .hero-inner{grid-template-columns:1fr}.hero-inner{grid-template-areas:"head" "visual" "body"}.hero-head{padding:46px 0 20px}.hero-body{padding:26px 0 34px}.hero-visual{min-height:auto;padding:2px 16px 202px}.hero-visual:before{inset:auto 0 0 0;height:186px;background-image:url('hero-house.webp?v=3');background-position:center 42%}.finance-card{position:static;width:auto}.finance-card .term-buttons button{padding:13px 4px}.range-block input[type=range]{height:30px}.hero h1{font-size:48px}
  .trust-grid{grid-template-columns:1fr 1fr}.trust-item{border-right:0;border-bottom:1px solid var(--line);padding:18px}.trust-item:nth-child(3),.trust-item:nth-child(4){border-bottom:0}
  .needs-grid{grid-template-columns:1fr 1fr}.steps{grid-template-columns:1fr 1fr}.article-grid{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:720px){
  .container{width:min(100% - 24px,var(--max))}.nav{height:66px}.logo{font-size:24px}
  .hero-head{padding:38px 0 18px}.hero-body{padding:24px 0 30px}.hero h1{font-size:40px}.hero p.lead{font-size:15px}.hero-visual{padding:2px 12px 178px}.hero-visual:before{height:164px}
  .trust-grid{grid-template-columns:1fr 1fr}.trust-item{border-bottom:1px solid var(--line)!important;padding:14px 8px;gap:9px}.trust-item:nth-last-child(-n+2){border-bottom:0!important}.trust-item strong{font-size:14px}.trust-item span{font-size:11px}
  .section{padding:52px 0}.section-title{font-size:28px}.needs-grid,.steps,.article-grid,.testimonials,.faq{grid-template-columns:1fr}
  .calc-wrap{padding:22px 16px}.calc-top{grid-template-columns:1fr}.operator{display:none}.amount-box .value{font-size:27px}.controls{grid-template-columns:1fr}.term-buttons{grid-template-columns:1fr 1fr}.term-buttons button:nth-child(2){border-right:0}.term-buttons button:nth-child(-n+2){border-bottom:1px solid var(--line)}.calc-result{align-items:flex-start;flex-direction:column}.calc-result .btn{width:100%}
  .advisor{grid-template-columns:1fr}.advisor-photo{min-height:290px}.advisor-copy{padding:30px 22px}.advisor-copy h2{font-size:29px}.footer-grid{grid-template-columns:1fr}.foot-bottom{flex-direction:column}.final-cta h2{font-size:29px}
}


/* Subpages */
.page-hero{background:linear-gradient(135deg,#f6f9f5 0%,#eef5ed 100%);border-bottom:1px solid var(--line);padding:72px 0 58px;overflow:hidden}
.page-hero .hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:52px;align-items:center}
.page-hero h1{font-size:52px;line-height:1.03;letter-spacing:-.052em;color:var(--navy);margin:10px 0 18px;max-width:800px}
.page-hero .lead{font-size:18px;color:#526166;max-width:760px;margin:0 0 26px}
.hero-panel{background:#fff;border:1px solid var(--line);border-radius:20px;padding:28px;box-shadow:var(--shadow)}
.hero-panel h3{margin:0 0 16px;color:var(--navy);font-size:20px}.hero-panel p{color:var(--muted);font-size:14px}
.hero-panel .metric{display:flex;justify-content:space-between;gap:20px;border-top:1px solid var(--line);padding:14px 0;font-size:14px}.hero-panel .metric strong{color:var(--navy)}
.breadcrumbs{font-size:13px;color:#6b787d;margin-bottom:16px}.breadcrumbs a{color:var(--green-dark);font-weight:700}
.content-grid{display:grid;grid-template-columns:minmax(0,1fr) 330px;gap:48px;align-items:start}
.prose{font-size:16px;color:#3f5055}.prose h2{font-size:32px;line-height:1.15;letter-spacing:-.035em;color:var(--navy);margin:46px 0 15px}.prose h2:first-child{margin-top:0}.prose h3{font-size:22px;color:var(--navy);margin:30px 0 10px}.prose p{margin:0 0 17px}.prose ul,.prose ol{padding-left:22px}.prose li{margin:7px 0}.prose strong{color:#23353a}
.info-box{border:1px solid #dce8db;background:#f3f8f2;border-radius:14px;padding:20px 22px;margin:25px 0}.info-box strong{display:block;color:var(--navy);margin-bottom:5px}.info-box p{margin:0;color:#56666b}
.warning-box{border-left:4px solid #d8a53f;background:#fff8e9;border-radius:10px;padding:17px 19px;margin:24px 0;color:#5e543d}
.sidebar{position:sticky;top:96px}.side-card{border:1px solid var(--line);border-radius:16px;background:#fff;padding:22px;margin-bottom:16px}.side-card h3{font-size:18px;color:var(--navy);margin:0 0 8px}.side-card p{font-size:13px;color:var(--muted);margin:0 0 16px}.side-links{display:grid;gap:9px}.side-links a{font-size:14px;padding:10px 12px;border-radius:8px;background:#f7f9f7;font-weight:750;color:#34484e}.side-links a:hover{background:var(--green-soft);color:var(--green-dark)}
.feature-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.feature-card{border:1px solid var(--line);border-radius:14px;padding:22px;background:#fff}.feature-card .icon{color:var(--green-dark);width:34px;height:34px;margin-bottom:12px}.feature-card h3{font-size:17px;color:var(--navy);margin:0 0 7px}.feature-card p{font-size:13px;color:var(--muted);margin:0}
.compare-table{width:100%;border-collapse:separate;border-spacing:0;border:1px solid var(--line);border-radius:14px;overflow:hidden;margin:22px 0;background:#fff}.compare-table th,.compare-table td{padding:14px 15px;border-bottom:1px solid var(--line);text-align:left;font-size:14px}.compare-table th{background:#f5f8f4;color:var(--navy)}.compare-table tr:last-child td{border-bottom:0}
.checklist{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:20px 0}.checklist-item{border:1px solid var(--line);border-radius:12px;padding:14px 15px;background:#fff;display:flex;gap:10px;align-items:flex-start}.checklist-item b{display:grid;place-items:center;width:22px;height:22px;border-radius:50%;background:var(--green);color:#fff;flex:0 0 auto;font-size:12px}
.article-hero{padding-bottom:44px}.article-meta{display:flex;gap:16px;flex-wrap:wrap;font-size:13px;color:#6d7b80;margin-top:16px}.toc{border:1px solid var(--line);background:#fbfcfb;border-radius:14px;padding:20px 22px;margin:0 0 30px}.toc strong{color:var(--navy)}.toc ol{margin:10px 0 0;padding-left:21px}.toc a{color:var(--green-dark);font-weight:700}
.lead-form{display:grid;grid-template-columns:1fr 1fr;gap:14px}.lead-form .full{grid-column:1/-1}.lead-form label{font-size:13px;font-weight:800;color:#425359;display:block;margin-bottom:6px}.lead-form input,.lead-form select,.lead-form textarea{width:100%;border:1px solid #d6dfd8;border-radius:10px;padding:13px 14px;background:#fff;color:var(--text)}.lead-form textarea{min-height:120px;resize:vertical}.lead-form .form-note{font-size:12px;color:var(--muted)}
.rate-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:24px 0}.rate-card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px}.rate-card span{font-size:12px;color:var(--muted);font-weight:800}.rate-card strong{display:block;color:var(--navy);font-size:25px;margin:4px 0}.rate-card p{font-size:13px;color:var(--muted);margin:0}
.legal-placeholder{border:2px dashed #d8a53f;background:#fffaf0;border-radius:14px;padding:20px;margin:20px 0}.legal-placeholder strong{color:#7b5b17}
.mobile-menu{display:none;position:absolute;top:66px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:14px 20px;box-shadow:0 15px 35px rgba(16,42,50,.1)}.mobile-menu.open{display:grid;gap:4px}.mobile-menu a{padding:11px 8px;font-weight:750;color:var(--navy)}
@media(max-width:1020px){.page-hero .hero-grid{grid-template-columns:1fr}.content-grid{grid-template-columns:minmax(0,1fr)}.sidebar{position:static}.feature-grid,.rate-cards{grid-template-columns:1fr 1fr}}
@media(max-width:720px){.page-hero{padding:48px 0 40px}.page-hero h1{font-size:39px}.page-hero .lead{font-size:16px}.feature-grid,.rate-cards,.checklist{grid-template-columns:1fr}.prose h2{font-size:28px}.lead-form{grid-template-columns:1fr}.lead-form .full{grid-column:auto}}

/* Pillarpage additions */
.pillar-calc{margin:26px 0 34px}.controls.four{grid-template-columns:repeat(2,1fr)}.source-list{display:grid;gap:10px;margin:20px 0}.source-list a{display:block;border:1px solid var(--line);border-radius:11px;background:#fff;padding:13px 15px;color:#40545a;font-size:14px}.source-list a:hover{border-color:#b9daba;background:var(--green-soft)}.source-list strong{color:var(--navy)}.prose a strong{color:var(--green-dark)}.pillar-calc .small{margin:14px 0 0}.article-meta span{background:rgba(255,255,255,.65);border:1px solid #dfe9df;border-radius:999px;padding:7px 10px;color:#4a5d62}.prose .faq{margin:18px 0 30px}.prose .faq-a{line-height:1.65}.prose .faq-q{font-size:15px}
@media(max-width:720px){.controls.four{grid-template-columns:1fr}.article-meta{gap:8px}.article-meta span{font-size:12px}}

.cost-break{margin-top:14px;font-size:13px;color:var(--muted)}


/* Cluster 3: authority, hubs, state pages */
.editorial-box{margin:38px 0 12px;border:1px solid #cfe0d0;background:linear-gradient(135deg,#f4f9f3,#fff);border-radius:16px;padding:20px 22px;display:grid;grid-template-columns:1.5fr 1fr;gap:22px;align-items:center}.editorial-box strong{display:block;color:var(--navy);font-size:16px;margin:3px 0 5px}.editorial-box p{margin:0;font-size:13px;color:#5b6b70}.quality-kicker{display:block;text-transform:uppercase;letter-spacing:.09em;font-size:10px;font-weight:900;color:var(--green-dark)}.quality-actions{display:grid;gap:8px;text-align:right}.quality-actions a{font-weight:800;color:var(--green-dark);font-size:13px}.quality-actions span{font-size:11px;color:var(--muted)}
.state-grid{grid-template-columns:repeat(3,1fr)!important}.state-card{display:block}.state-code{display:grid;place-items:center;width:42px;height:42px;border-radius:12px;background:var(--green-soft);color:var(--green-dark);font-weight:900;margin-bottom:12px}.guide-group{margin:0 0 48px}.guide-group h2{font-size:30px;color:var(--navy);letter-spacing:-.035em;margin:0 0 18px}.guide-link-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}.guide-link-grid a{border:1px solid var(--line);border-radius:13px;padding:17px;background:#fff;display:grid;gap:7px;transition:.2s}.guide-link-grid a:hover{transform:translateY(-2px);box-shadow:var(--shadow)}.guide-link-grid strong{color:var(--navy);font-size:14px}.guide-link-grid span{color:var(--green-dark);font-size:12px;font-weight:800}
@media(max-width:1020px){.state-grid,.guide-link-grid{grid-template-columns:1fr 1fr!important}.editorial-box{grid-template-columns:1fr}.quality-actions{text-align:left}}
@media(max-width:720px){.state-grid,.guide-link-grid{grid-template-columns:1fr!important}}

.logo-a{color:var(--navy);font-weight:600}
.logo-b{color:var(--navy);font-weight:900}
.logo-c{color:var(--green);font-weight:700;letter-spacing:0}
.footer .logo{text-shadow:0 1px 1px rgba(0,0,0,.5)}.footer .logo-a,.footer .logo-b{color:#fff}
.footer .logo-c{color:var(--green)}

.prose .steps{grid-template-columns:1fr 1fr;margin:20px 0 28px}
.prose .step h3{margin-top:8px}
@media (max-width:640px){.prose .steps{grid-template-columns:1fr}}
.disclosure{font-size:13px;color:var(--muted);margin:10px 0 0}

.prose,.article,.content-grid>*{min-width:0}
.table-scroll{overflow-x:auto;margin:22px 0;-webkit-overflow-scrolling:touch}
.table-scroll .compare-table{margin:0}

/* Mobil kompakt (05.09.2026): Artikel, Kacheln, Schritte, Footer, Menue-Button */
@media (max-width:720px){
  .section{padding:44px 0}
  .needs-grid{grid-template-columns:1fr 1fr;gap:10px}
  .need-card{padding:12px;gap:10px;min-height:0;border-radius:12px}
  .need-icon{width:38px;height:38px}.need-icon .icon{width:20px;height:20px}
  .need-card h3{font-size:14px;margin:0;line-height:1.25}.need-card p{display:none}
  .steps{gap:10px}
  .step{display:grid;grid-template-columns:32px 1fr;column-gap:12px;align-items:start;text-align:left;padding:14px}
  .step-number{position:static;width:30px;height:30px;font-size:13px;grid-row:1/3}
  .step .icon{display:none}.step h3{margin:5px 0 4px;font-size:15px}.step p{font-size:13px;line-height:1.45}
  .article-grid{gap:10px}
  .article{display:flex;align-items:center;gap:12px;padding:12px 14px}
  .thumb{width:50px;height:50px;flex:0 0 50px;border-radius:12px}
  .thumb:before,.thumb:after{display:none}.thumb svg{width:24px;height:24px}
  .article-body{padding:0;flex:1;min-width:0}
  .article h3{font-size:15px;margin:0 0 3px}.article a{font-size:12px}
  .footer-grid{grid-template-columns:1fr 1fr;gap:24px 18px}
  .footer-grid>div:first-child,.footer-grid>div:last-child{grid-column:1/-1}
  .footer-links{gap:6px}
  .mobile-menu a.mm-cta{margin-top:8px;background:var(--green);color:#fff;border-radius:9px;text-align:center;padding:13px 8px}
}

/* Feste Leiste unten, nur mobil (05.09.2026) */
.mobile-bar{display:none}
@media (max-width:720px){
  .mobile-bar{display:flex;gap:10px;position:fixed;left:0;right:0;bottom:0;z-index:40;padding:10px 12px calc(10px + env(safe-area-inset-bottom));background:rgba(255,255,255,.96);border-top:1px solid var(--line);box-shadow:0 -10px 30px rgba(16,42,50,.12);transform:translateY(110%);transition:transform .25s ease}
  .mobile-bar.show{transform:none}
  .mobile-bar .btn{flex:1;padding:12px 8px;font-size:14px;white-space:nowrap;min-height:46px}
  .mobile-bar .btn.ghost{background:#fff;color:var(--green-dark);border:1.5px solid var(--green);box-shadow:none}
  body.has-bar{padding-bottom:74px}
}

/* Rechnerkarte: Ergebnisfeld, mobiler Hero ohne Kasten und Bild (05.09.2026) */
.calc-result-box{display:grid;grid-template-columns:1fr 1.15fr;gap:10px;background:var(--green-soft);border-radius:12px;padding:12px 14px;margin:14px 0 10px}
.calc-result-box span{display:block;font-size:11px;font-weight:800;color:#4f6166;margin-bottom:3px}
.calc-result-box strong{display:block;font-size:17px;font-weight:900;color:var(--navy);letter-spacing:-.02em}
.calc-result-box strong.big{font-size:26px;color:var(--green-dark);letter-spacing:-.04em}
@media (max-width:1020px){
  .hero-visual{background:none;padding:0}
  .hero-visual:before{display:none}
  .finance-card{position:static;width:auto;padding:18px 16px;border:1px solid var(--line);box-shadow:0 12px 30px rgba(10,34,40,.10);border-radius:16px}
  .finance-card h3{font-size:17px;margin:0 0 12px}
  .finance-card .range-block{margin-bottom:10px}
  .finance-card .term-buttons{margin-bottom:6px;grid-template-columns:repeat(4,1fr)}
  .finance-card .term-buttons button{padding:12px 2px;font-size:12px;border-bottom:0;border-right:1px solid var(--line)}
  .finance-card .term-buttons button:last-child{border-right:0}
  .calc-note{margin-bottom:10px}
  .hero-head{padding:40px 0 14px}
  .hero-body{padding:22px 0 30px}
}
@media (max-width:720px){
  .finance-card .term-buttons button:nth-child(2){border-right:1px solid var(--line)}
  .finance-card .term-buttons button:nth-child(-n+2){border-bottom:0}
  .hero-head{padding:32px 0 12px}
}

/* Mobil: Rechner samt Button im ersten Bildschirm (05.09.2026) */
@media (max-width:720px){
  .hero .eyebrow{display:none}
  .hero-head{padding:16px 0 10px}
  .hero h1{font-size:31px;line-height:1.08;letter-spacing:-.03em}
  .finance-card{padding:14px 14px 15px;border-radius:14px}
  .finance-card h3{font-size:16px;margin:0 0 10px}
  .finance-card .range-block{margin-bottom:6px}
  .rb-head{margin-bottom:4px}
  .numfield{padding:5px 8px;font-size:13px;width:116px}
  .range-block input[type=range]{height:24px}
  .finance-card .term-label{margin-bottom:5px;font-size:12px}
  .finance-card .term-buttons button{padding:10px 2px}
  .calc-result-box{padding:9px 12px;margin:10px 0 8px}
  .calc-result-box strong{font-size:16px}.calc-result-box strong.big{font-size:24px}
  .finance-card>.btn{padding:12px 10px}
  .calc-note{margin:10px 0 0}.finance-card .disclose{margin-top:8px}
}

.h1-line2{display:block;margin-top:5px}

/* Header mobil in Gruen (05.09.2026) */
@media (max-width:720px){
  .site-header{background:var(--green);border-bottom:0;backdrop-filter:none}
  .site-header .logo{text-shadow:0 1px 1px rgba(0,0,0,.34)}.site-header .logo-a,.site-header .logo-b{color:#fff}.site-header .logo-c{color:rgba(255,255,255,.72)}
  .mobile-toggle{color:#fff}
  .mobile-menu{top:66px}
}