/* Shared navigation and accessibility improvements. */
html{scroll-padding-top:20px}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,[tabindex="0"]:focus-visible{outline:3px solid #1b4965;outline-offset:4px}
.skip-link{position:absolute;top:8px;left:12px;z-index:100;background:#fff;color:#173042;padding:12px 18px;border:2px solid #1b4965;border-radius:8px;transform:translateY(-180%)}
.skip-link:focus{transform:translateY(0)}
.brand .brand-link{font:inherit;color:#173042;text-decoration:none;letter-spacing:inherit}
.ad-creative,.ad-strip>*{min-width:0}
.ad-creative a{max-width:100%}
.ad-creative img[width="300"],.ad-creative img[width="468"]{max-width:100%;height:auto}
.hero .note{font-size:13px;line-height:1.7}
.hero-actions{display:flex;align-items:center;flex-wrap:wrap;gap:12px}
.button-secondary{background:#fff;border:1px solid #1b4965;color:#1b4965}
.tool-section{padding:28px;background:#e8f1f5;border:1px solid #d8e1e5;border-radius:20px}
.tool-section .card{border:0}
.topic-card ul{list-style:none;padding:0;margin:14px 0 0}
.topic-card li{border-top:1px solid #e8f1f5}
.topic-card li a{display:block;padding:9px 0;color:#1b4965;text-underline-offset:3px;font-size:14px;line-height:1.65}
.topic-card h3{margin-top:0}
.reading-note{font-size:13px;color:#5c6f7b}
.cost-next-step{background:#e8f1f5;border:1px solid #d8e1e5;border-radius:14px;padding:22px;margin:24px 0}
.cost-next-step h2{font-size:22px;margin:0 0 12px}
.cost-next-step p{margin:10px 0}
.cost-next-step a{display:inline-block;padding:5px 0;text-underline-offset:3px;font-weight:700}
.calculator-entry{display:inline-block;padding:12px 18px;border-radius:8px;background:#1b4965;color:#fff;text-decoration:none;font-weight:700}
body:has(.article-search) h1{font-size:clamp(30px,5vw,42px)}
@media(max-width:760px){.tool-section{padding:20px}.hero-actions{align-items:stretch}.hero-actions .button{margin-top:8px}.topic-card{padding:20px}.cost-next-step{padding:18px}}

/* Article navigation: no script needed. */
.article-header .nav{display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap}
.article-header .brand{flex:0 0 auto}
.article-header .brand-link{font-size:16px;color:#173042;text-decoration:none}
.article-site-menu{display:flex;flex-wrap:wrap;gap:4px 14px;align-items:center}
.article-site-menu a{display:inline-block;padding:9px 0;color:#1b4965;text-decoration:none;line-height:1.6}
.article-site-menu a:hover{text-decoration:underline;text-underline-offset:3px}
.article-site-menu a[aria-current="page"]{font-weight:800;text-decoration:underline;text-underline-offset:4px}
@media(max-width:680px){.article-header .nav{align-items:flex-start;flex-direction:column;gap:8px}.article-site-menu{gap:2px 16px}}