:root{
  --bg:#f7f9fc; --card:#ffffff; --tx:#101828; --mut:#667085; --soft:#344054;
  --line:#e4e7ec; --p:#008254; --pd:#006642; --grad:linear-gradient(135deg,#008254 0%,#006642 100%);
  --gradsoft:linear-gradient(135deg,#effcf8 0%,#e3faf2 100%);
  --hov:#f2f4f7; --inp:#ffffff; --inpline:#d0d5dd;
  --res:linear-gradient(180deg,#effcf8 0%,#ffffff 100%); --resline:#b7ecda;
  --even:#f9fafb; --hovline:#b7ecda; --hd:#ffffff;
  --cardhov:#8fd9bb; --badge:#d8f3e8;
  --sh-sm:0 1px 3px rgba(16,24,40,.05);
  --sh-md:0 4px 24px rgba(16,24,40,.07);
  --sh-lg:0 16px 40px rgba(0,102,66,.12);
  --ring:rgba(0,130,84,.15);
  --ftbg:#00482f; --fttx:#c9e6d9; --ftln:rgba(255,255,255,.12);
}
@media(prefers-color-scheme:dark){
  :root{
    --bg:#0a0f1c; --card:#111a2e; --tx:#e8edf6; --mut:#94a3b8; --soft:#c3cbdb;
    --line:#1e2a41; --p:#3ecf9a; --pd:#6fe3b4;
    --hov:#16213a; --inp:#0e1729; --inpline:#2a3952;
    --res:linear-gradient(180deg,#0e2b1f 0%,#0e1627 100%); --resline:#1f5c42;
    --even:#0e1627; --hovline:#2a6b50; --hd:#0a0f1c;
    --cardhov:#2a6b50; --badge:#14382a;
    --gradsoft:linear-gradient(135deg,#0e2b1f 0%,#123a2a 100%);
    --sh-sm:0 1px 3px rgba(0,0,0,.35);
    --sh-md:0 4px 24px rgba(0,0,0,.4);
    --sh-lg:0 16px 40px rgba(0,0,0,.5);
    --ring:rgba(62,207,154,.22);
  }
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%;text-size-adjust:100%}
body{overflow-x:clip;font-family:'Inter',-apple-system,'Segoe UI',Roboto,Arial,sans-serif;background:var(--bg);color:var(--tx);line-height:1.65;font-size:16px;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
h1,h2,h3,.logo,.big{font-family:'Plus Jakarta Sans','Inter',sans-serif;letter-spacing:-.025em}
a{color:var(--p);text-decoration:none}
::selection{background:rgba(0,130,84,.20)}
.container{max-width:1080px;margin:0 auto;padding:0 20px}


/* ---------- NerdWallet-style hero (index) ---------- */
.hero.hero.hero-green{background:linear-gradient(135deg,#003d27 0%,#00553a 55%,#006642 120%);border:0;color:#fff;padding:84px 24px 72px;overflow:hidden}
.hero-green::after{opacity:.14;background-image:linear-gradient(rgba(255,255,255,.9) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.9) 1px,transparent 1px);mask-image:radial-gradient(700px 340px at 50% 0%,#000 0%,transparent 75%);-webkit-mask-image:radial-gradient(700px 340px at 50% 0%,#000 0%,transparent 75%)}
.hero.hero-green .badge{background:rgba(255,255,255,.12);color:#d8f3e8;border-color:rgba(255,255,255,.22);margin-bottom:20px}
.hero.hero-green h1{color:#fff}
.hero.hero-green h1 em{background:none;-webkit-background-clip:initial;background-clip:initial;color:#a8ea4c}
.hero.hero-green p{color:rgba(255,255,255,.82)}
.hero-search{max-width:560px;margin:26px auto 0;position:relative;z-index:1}
.hero-search input{width:100%;padding:16px 22px;border-radius:999px;border:0;font-size:1rem;font-family:'Inter',sans-serif;background:#fff;color:#101828;box-shadow:0 8px 24px rgba(0,20,12,.35);outline:3px solid transparent;transition:outline-color .15s}
.hero-search input::placeholder{color:#8b8c8f}
.hero-search input:focus{outline-color:rgba(168,234,76,.55)}
.hero-search .srch-note{margin-top:12px;color:rgba(255,255,255,.6);font-size:.82rem}
/* arrow on cards (NerdWallet pattern) */
.card::after{content:'\2197';position:absolute;top:14px;right:16px;color:var(--mut);opacity:0;transition:opacity .15s,color .15s;font-size:1.05rem;line-height:1}
.card:hover::after{opacity:1;color:var(--p)}
/* hide the arrow where it would clash on tall blog cards */
.cards .card p{padding-right:18px}


/* ---------- NerdWallet-style quick category grid (overlaps hero) ---------- */
:root{
  --t-blue-bg:#e8f0fe; --t-blue-ic:#3462d6;
  --t-purple-bg:#f1ecfe; --t-purple-ic:#7c3aed;
  --t-teal-bg:#e3faf2; --t-teal-ic:#0f9d78;
  --t-amber-bg:#fef4e3; --t-amber-ic:#c07a05;
  --t-rose-bg:#fdeaf0; --t-rose-ic:#d43d72;
  --t-indigo-bg:#eaebfd; --t-indigo-ic:#4c4fd6;
  --t-cyan-bg:#e3f6fb; --t-cyan-ic:#0b87a6;
  --t-green-bg:#e3faf2; --t-green-ic:#006642;
}
@media(prefers-color-scheme:dark){
  :root{
    --t-blue-bg:#132140; --t-blue-ic:#7fa0ff;
    --t-purple-bg:#211a3a; --t-purple-ic:#b79bfa;
    --t-teal-bg:#0e2b22; --t-teal-ic:#4fd8ab;
    --t-amber-bg:#332108; --t-amber-ic:#f0b84d;
    --t-rose-bg:#33121e; --t-rose-ic:#f27aa4;
    --t-indigo-bg:#1c1c3a; --t-indigo-ic:#9ea3f5;
    --t-cyan-bg:#0e2830; --t-cyan-ic:#5fd0ec;
    --t-green-bg:#0e2b1f; --t-green-ic:#3ecf9a;
  }
}
.quickcats{position:relative;z-index:2;margin:-58px 0 34px}
.qc-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:14px}
.qc-item{display:block;text-align:left;padding:20px 18px;border-radius:16px;background:var(--card);border:1px solid var(--line);box-shadow:var(--sh-sm);transition:transform .15s,box-shadow .15s,border-color .15s;position:relative}
.qc-item:hover{border-color:var(--cardhov);box-shadow:var(--sh-lg);transform:translateY(-3px)}
.qc-item:focus-visible{outline:3px solid var(--ring);outline-offset:2px}
.qc-item .qc-badge{width:48px;height:48px;border-radius:12px;display:flex;align-items:center;justify-content:center;margin:0 0 14px}
.qc-item .qc-badge svg{width:23px;height:23px;fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.qc-item h3{font-size:.96rem;margin:0 0 5px;color:var(--tx)}
.qc-item p{font-size:.8rem;color:var(--mut);margin:0;line-height:1.45}
.qc-item .qc-arrow{position:absolute;top:16px;right:16px;color:var(--mut);font-size:1rem;opacity:.55;transition:opacity .15s,color .15s}
.qc-item:hover .qc-arrow{opacity:1;color:var(--p)}
@media(max-width:900px){.qc-grid{grid-template-columns:repeat(3,1fr)}}
@media(max-width:600px){.qc-grid{grid-template-columns:repeat(2,1fr);gap:12px}.quickcats{margin:-40px 0 28px}.qc-item{padding:16px 14px}}

/* ---------- header ---------- */
header{background:var(--hd);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.hd{display:flex;align-items:center;justify-content:space-between;height:64px;flex-wrap:wrap;padding:8px 0}
.logo{font-size:1.4rem;font-weight:800;color:var(--tx);display:flex;align-items:center;gap:2px}
.logo span{background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent}
nav ul{display:flex;gap:4px;list-style:none;flex-wrap:wrap}
nav a{color:var(--soft);font-weight:600;font-size:.92rem;padding:8px 12px;border-radius:9px;transition:.15s}
nav a:hover{background:var(--hov);color:var(--pd)}
.btn.nav-cta{display:none}

/* ---------- page head ---------- */
.crumbs{font-size:.85rem;color:var(--mut);padding:18px 0 0}
h1{font-size:clamp(1.55rem,3.2vw,2.15rem);margin:10px 0;line-height:1.18;font-weight:800}
h2{font-size:clamp(1.2rem,2.2vw,1.45rem);margin:34px 0 14px;font-weight:800}
h3{font-size:1.05rem;margin:18px 0 8px}
h2,h3{scroll-margin-top:80px}
p.lead{color:var(--mut);max-width:760px;margin-bottom:8px;font-size:1.05rem}

/* ---------- tool card ---------- */
.tool{background:var(--card);border:1px solid var(--line);border-radius:18px;padding:28px;margin:22px 0;box-shadow:var(--sh-md);position:relative;overflow:hidden}
.tool::before{content:'';position:absolute;inset:0 0 auto 0;height:4px;background:var(--grad)}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:16px}
label{display:block;font-weight:600;font-size:.88rem;margin:12px 0 6px;color:var(--soft)}
input,select{width:100%;padding:12px 14px;border:1px solid var(--inpline);border-radius:11px;font-size:1rem;background:var(--inp);color:var(--tx);transition:border-color .15s,box-shadow .15s;box-shadow:var(--sh-sm);appearance:none;-webkit-appearance:none}
input[type=number]::-webkit-outer-spin-button,input[type=number]::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}
input[type=number]{-moz-appearance:textfield}
select{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath fill='none' stroke='%23667085' stroke-width='1.5' stroke-linecap='round' d='M1 1.5l5 5 5-5'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center;padding-right:38px}
input:hover,select:hover{border-color:var(--hovline)}
input:focus,select:focus{outline:none;border-color:var(--p);box-shadow:0 0 0 4px var(--ring)}
.btn{display:inline-block;background:var(--grad);color:#fff;border:0;border-radius:12px;padding:13px 30px;font-size:1.02rem;font-weight:700;cursor:pointer;margin-top:18px;font-family:'Plus Jakarta Sans',sans-serif;box-shadow:0 6px 18px rgba(0,102,66,.30);transition:.18s}
.btn:hover{transform:translateY(-2px);box-shadow:0 12px 26px rgba(0,102,66,.42);filter:saturate(1.05)}
.btn:active{transform:translateY(0) scale(.99)}
.btn:focus-visible{outline:3px solid var(--ring);outline-offset:2px}

/* ---------- results ---------- */
.res{margin-top:20px;background:var(--res);border:1px solid var(--resline);border-radius:14px;padding:20px;animation:pop .3s cubic-bezier(.2,.8,.3,1);font-variant-numeric:tabular-nums}
@keyframes pop{from{opacity:0;transform:translateY(6px) scale(.995)}to{opacity:1;transform:none}}
.big{font-size:1.75rem;font-weight:800;background:linear-gradient(90deg,var(--pd),#9d7bff);-webkit-background-clip:text;background-clip:text;color:transparent}
.table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch}
table{width:100%;border-collapse:collapse;margin-top:12px;font-variant-numeric:tabular-nums}
td,th{padding:10px 8px;border-bottom:1px solid var(--line);font-size:.95rem;text-align:left}
th{color:var(--mut);font-size:.8rem;text-transform:uppercase;letter-spacing:.04em}
td:last-child,th:last-child{text-align:right;font-weight:700}
tr:nth-child(even) td{background:var(--even)}

/* ---------- content blocks ---------- */
details{background:var(--card);border:1px solid var(--line);border-radius:13px;padding:16px 20px;margin:10px 0;box-shadow:var(--sh-sm);transition:border-color .15s,box-shadow .15s}
details:hover{border-color:var(--hovline);box-shadow:var(--sh-md)}
summary{font-weight:700;cursor:pointer;display:flex;justify-content:space-between;align-items:center;list-style:none;color:var(--tx)}
summary::-webkit-details-marker{display:none}
summary::after{content:'+';font-size:1.3rem;color:var(--p);font-weight:400;line-height:1;transition:transform .18s}
details[open] summary::after{content:'\2212';transform:rotate(180deg)}
details p{margin-top:10px;color:var(--mut)}
article{background:var(--card);border:1px solid var(--line);border-radius:18px;padding:28px 30px;margin:20px 0;box-shadow:var(--sh-sm)}
article p{margin-bottom:12px;color:var(--soft)}
article ul{margin:0 0 12px 22px}
article li{margin-bottom:8px;color:var(--soft)}
article li::marker{color:var(--p)}
.note{font-size:.85rem;color:var(--mut);margin:12px 0 30px}

/* ---------- home ---------- */
.hero{position:relative;background:radial-gradient(900px 380px at 15% -20%,rgba(37,99,235,.14) 0%,transparent 60%),radial-gradient(700px 340px at 90% -30%,rgba(124,58,237,.12) 0%,transparent 55%),var(--card);border:1px solid var(--line);border-radius:24px;text-align:center;padding:72px 24px 64px;margin:22px 0 10px;overflow:hidden;box-shadow:var(--sh-md);animation:fadein .5s ease}
.hero::after{content:'';position:absolute;inset:0;background-image:linear-gradient(var(--line) 1px,transparent 1px),linear-gradient(90deg,var(--line) 1px,transparent 1px);background-size:44px 44px;mask-image:radial-gradient(600px 300px at 50% 0%,#000 0%,transparent 75%);-webkit-mask-image:radial-gradient(600px 300px at 50% 0%,#000 0%,transparent 75%);opacity:.5;pointer-events:none}
@keyframes fadein{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.badge{display:inline-flex;align-items:center;gap:6px;background:var(--gradsoft);color:var(--pd);border:1px solid var(--badge);border-radius:999px;padding:6px 16px;font-size:.82rem;font-weight:700;margin-bottom:18px}
.hero h1{font-size:clamp(1.9rem,4.5vw,2.75rem);margin:0 0 14px;position:relative}
.hero h1 em{font-style:normal;background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent}
.hero p{color:var(--mut);max-width:620px;margin:0 auto;font-size:1.08rem;position:relative}
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:18px;margin:18px 0 26px}
.card{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:22px;transition:transform .18s,border-color .18s,box-shadow .18s;display:block;color:var(--tx);box-shadow:var(--sh-sm);position:relative}
.card:hover{border-color:var(--cardhov);box-shadow:var(--sh-lg);transform:translateY(-4px)}
.card:focus-visible{outline:3px solid var(--ring);outline-offset:2px}
.ico{width:44px;height:44px;border-radius:12px;background:var(--gradsoft);color:var(--pd);display:flex;align-items:center;justify-content:center;margin-bottom:14px;transition:transform .18s}
.ico svg{width:22px;height:22px;stroke:var(--pd);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.card:hover .ico{transform:scale(1.08) rotate(-4deg)}
.card h3{margin:0 0 6px;font-size:1.02rem;color:var(--tx);transition:color .15s}
.card:hover h3{color:var(--pd)}
.card p{color:var(--mut);font-size:.9rem;margin:0}

/* ---------- footer ---------- */
footer{background:var(--ftbg);color:var(--fttx);margin-top:48px;padding:44px 0 26px;font-size:.9rem}
.fgrid{display:grid;grid-template-columns:1.4fr repeat(2,1fr);gap:28px}
footer .logo{color:#fff}
footer .logo span{background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent}
footer p{margin-top:10px;line-height:1.6}
footer strong{color:#fff;display:block;margin-bottom:10px;font-size:.95rem}
footer ul{list-style:none}
footer li{margin:8px 0}
footer a{color:var(--fttx);transition:color .15s}
footer a:hover{color:#fff}
.fbottom{border-top:1px solid var(--ftln);margin-top:30px;padding-top:22px;font-size:.85rem;color:#667085}

/* ---------- hamburger (mobile) ---------- */
.hamb{display:none;flex-direction:column;justify-content:center;gap:5px;width:40px;height:40px;border:0;background:transparent;cursor:pointer;padding:0;border-radius:8px}
.hamb span{display:block;width:22px;height:2px;background:var(--tx);border-radius:2px;transition:transform .2s,opacity .2s;margin:0 auto}
.hamb:hover{background:var(--hov)}
.hamb.active span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.hamb.active span:nth-child(2){opacity:0}
.hamb.active span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

@media(max-width:840px){
  .btn.nav-cta{display:block;margin:16px 4px 6px;text-align:center}

  h1{font-size:1.55rem}
  .hero h1{font-size:1.9rem}
  .hero{padding:44px 18px}
  .fgrid{grid-template-columns:1fr}

  .hamb{display:flex}
  .hd{position:relative}
  body.nav-open{overflow:hidden}

  header nav{position:fixed;top:64px;left:0;right:0;bottom:0;background:var(--bg);border-top:1px solid var(--line);padding:8px 20px 24px;overflow-y:auto;transform:translateX(100%);transition:transform .25s ease;z-index:49}
  header nav.open{transform:translateX(0)}
  nav ul{display:flex;flex-direction:column;gap:0;width:100%}
  nav>ul>li{width:100%;border-bottom:1px solid var(--line);padding:2px 0}
  nav a{display:block;font-size:1.05rem;font-weight:700;padding:16px 6px;border-radius:10px;width:100%;transition:background .12s}
  nav a:hover,nav a:active{background:var(--hov);color:var(--pd)}
  .has-dd>a::after{float:right;margin-top:3px}

  nav .dd{display:none;position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;border:0;border-radius:0;padding:0 0 8px 14px;min-width:0;background:transparent}
  nav .has-dd.dd-open .dd{display:flex}
  nav .has-dd.dd-open>a::after{transform:rotate(180deg)}
  nav .dd a{padding:12px 10px;color:var(--mut)}
  .ddh{padding:10px 10px 2px}
}

@media print{header,footer,.btn,.crumbs{display:none}body{background:#fff}.tool,.res,article{box-shadow:none;border-color:#ccc}.grid{grid-template-columns:repeat(4,1fr)}}
@media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important;scroll-behavior:auto!important}}

/* nav dropdowns */
nav>ul>li{position:relative}
.has-dd>a::after{content:'\25BE';font-size:.72em;margin-left:5px;opacity:.55;transition:transform .15s}
nav li:hover .has-dd>a::after,nav li:focus-within .has-dd>a::after{transform:rotate(180deg)}
@media(min-width:841px){
nav .dd{position:absolute;top:calc(100% + 3px);left:0;background:var(--card);border:1px solid var(--line);border-radius:14px;box-shadow:var(--sh-lg);padding:8px;min-width:215px;opacity:0;visibility:hidden;transform:translateY(6px);transition:.15s;display:flex;flex-direction:column;z-index:60}
nav li:hover .dd,nav li:focus-within .dd{opacity:1;visibility:visible;transform:translateY(0)}
nav .dd a{padding:9px 12px;white-space:nowrap;border-radius:8px}
nav .dd a:hover{background:var(--hov);color:var(--pd)}
}
.ddh{font-size:.72rem;text-transform:uppercase;letter-spacing:.06em;color:var(--mut);padding:8px 12px 4px;font-weight:700}
.pmeta{color:var(--mut);font-size:.82rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em;margin-bottom:6px}

figure{margin:22px 0}
figure img{width:100%;height:auto;border:1px solid var(--line);border-radius:14px;display:block}
figcaption{font-size:.82rem;color:var(--mut);margin-top:8px;text-align:center}


/* ---------- mobile polish ---------- */
@media(max-width:480px){
  .container{padding:0 16px}
  .tool{padding:18px;border-radius:14px}
  article{padding:20px 18px}
  .res{padding:16px}
  .btn{display:block;width:100%}
  .big{font-size:1.5rem}
  td,th{padding:8px 6px}
  details{padding:14px 16px}
  .hero{margin:14px 0 6px}
}

/* ---------- Chat assistant widget ---------- */
.chat-fab{position:fixed;right:18px;bottom:18px;z-index:90;width:56px;height:56px;border-radius:50%;border:0;cursor:pointer;background:var(--grad);color:#fff;font-size:1.35rem;display:flex;align-items:center;justify-content:center;box-shadow:0 8px 24px rgba(0,60,40,.35);transition:transform .15s,box-shadow .15s}
.chat-fab:hover{transform:translateY(-2px) scale(1.04)}
.chat-fab svg{width:26px;height:26px;fill:none;stroke:#fff;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.chat-panel{position:fixed;right:18px;bottom:84px;z-index:95;width:360px;max-width:calc(100vw - 24px);height:480px;max-height:calc(100vh - 120px);background:var(--card);border:1px solid var(--line);border-radius:18px;box-shadow:0 24px 60px rgba(0,30,20,.30);display:flex;flex-direction:column;overflow:hidden;opacity:0;transform:translateY(12px) scale(.97);pointer-events:none;transition:opacity .18s,transform .18s}
.chat-panel.open{opacity:1;transform:none;pointer-events:auto}
.chat-head{background:linear-gradient(135deg,#00553a 0%,#008254 100%);color:#fff;padding:14px 16px;display:flex;align-items:center;gap:10px;flex:0 0 auto}
.chat-head .chat-ava{width:34px;height:34px;border-radius:50%;background:rgba(255,255,255,.16);display:flex;align-items:center;justify-content:center;font-size:1.05rem}
.chat-head .chat-title{font-weight:800;font-family:'Plus Jakarta Sans',sans-serif;font-size:1rem;line-height:1.2}
.chat-head .chat-sub{font-size:.74rem;color:rgba(255,255,255,.75)}
.chat-close{margin-left:auto;background:rgba(255,255,255,.14);border:0;color:#fff;width:28px;height:28px;border-radius:8px;cursor:pointer;font-size:1rem;line-height:1}
.chat-body{flex:1;overflow-y:auto;padding:14px;display:flex;flex-direction:column;gap:10px;background:var(--bg)}
.chat-msg{max-width:86%;padding:10px 13px;border-radius:14px;font-size:.9rem;line-height:1.55}
.chat-msg.bot{background:var(--card);border:1px solid var(--line);border-bottom-left-radius:4px;align-self:flex-start;box-shadow:var(--sh-sm)}
.chat-msg.user{background:var(--grad);color:#fff;border-bottom-right-radius:4px;align-self:flex-end}
.chat-msg a{color:var(--p);font-weight:600;text-decoration:underline}
.chat-msg a:hover{color:var(--pd)}
.chat-msg ul{margin:6px 0 0;padding-left:18px}
.chat-chips{display:flex;flex-wrap:wrap;gap:6px}
.chip{background:var(--gradsoft);border:1px solid var(--badge);color:var(--pd);border-radius:999px;padding:6px 12px;font-size:.8rem;font-weight:600;cursor:pointer;transition:.15s}
.chip:hover{border-color:var(--p);transform:translateY(-1px)}
.chat-input{flex:0 0 auto;display:flex;gap:8px;padding:12px;border-top:1px solid var(--line);background:var(--card)}
.chat-input input{flex:1;border:1px solid var(--inpline);background:var(--inp);color:var(--tx);border-radius:12px;padding:11px 14px;font-size:.92rem;font-family:'Inter',sans-serif;outline:none}
.chat-input input:focus{border-color:var(--p)}
.chat-input button{background:var(--grad);color:#fff;border:0;border-radius:12px;width:44px;cursor:pointer;font-size:1.05rem;transition:.15s}
.chat-input button:hover{filter:saturate(1.1)}
.chat-typing{display:inline-flex;gap:4px;align-items:center;padding:12px 14px}
.chat-typing span{width:7px;height:7px;border-radius:50%;background:var(--mut);animation:chatblink 1.2s infinite}
.chat-typing span:nth-child(2){animation-delay:.2s}
.chat-typing span:nth-child(3){animation-delay:.4s}
@keyframes chatblink{0%,80%,100%{opacity:.25;transform:scale(.85)}40%{opacity:1;transform:scale(1)}}
@media(max-width:600px){.chat-panel{right:8px;left:8px;width:auto;bottom:78px;height:min(70vh,520px)}.chat-fab{right:12px;bottom:12px}}

.quicknav{margin:22px 0 4px}
.qn-wrap{display:flex;flex-wrap:wrap;gap:10px;justify-content:center}
.quicknav a{background:var(--card);border:1px solid var(--line);color:var(--tx);border-radius:999px;padding:9px 18px;font-size:.88rem;font-weight:600;box-shadow:var(--sh-sm);text-decoration:none;transition:transform .15s,border-color .15s,color .15s}
.quicknav a:hover{border-color:var(--p);color:var(--p);transform:translateY(-1px)}
@media(max-width:640px){.quicknav a{padding:8px 13px;font-size:.8rem}}

/* ---------- Embed mode (?embed=1) ---------- */
html.embed body{background:#fff}
html.embed header,html.embed footer,html.embed .crumbs{display:none!important}
html.embed main.container{max-width:100%;padding:0}
html.embed .tool{margin:12px 0;border-radius:12px;box-shadow:none}
html.embed .embed-brand{display:flex;justify-content:center;align-items:center;gap:6px;padding:8px 0 12px;font-size:13px}
html.embed .embed-brand a{color:#008254;text-decoration:none;font-weight:700}
html.embed .embed-brand a:hover{text-decoration:underline}