*{box-sizing:border-box}
html{scroll-behavior:smooth}
body.public-seo-page{margin:0;background:var(--t-bg);color:var(--t-text);font-family:Inter,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.65;min-width:320px}
body.public-seo-page a{color:inherit}
.public-shell{width:min(1120px,calc(100% - 32px));margin-inline:auto}
.public-skip{position:fixed;inset:12px auto auto 12px;translate:0 -160%;z-index:100;padding:10px 14px;border-radius:12px;background:var(--t-accent);color:var(--t-cta-fg);font-weight:800}
.public-skip:focus{translate:0 0}
.public-header{position:sticky;top:0;z-index:40;border-bottom:1px solid var(--t-border);background:color-mix(in srgb,var(--t-bg) 88%,transparent);backdrop-filter:blur(18px)}
.public-header__inner{min-height:72px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.public-brand{display:flex;align-items:center;flex:0 0 auto}
.public-brand img{display:block;width:156px;height:auto}
.public-nav{display:flex;align-items:center;justify-content:flex-end;gap:8px;flex-wrap:wrap;font-size:13px;font-weight:700}
.public-nav a{padding:8px 10px;border-radius:999px;text-decoration:none;color:var(--t-text-muted)}
.public-nav a:hover,.public-nav a[aria-current="page"]{background:var(--t-primary-tint);color:var(--t-text)}
.public-hero{padding:72px 0 56px;background:radial-gradient(circle at 82% 14%,color-mix(in srgb,var(--t-primary) 22%,transparent),transparent 34%)}
.public-hero__grid{display:grid;grid-template-columns:minmax(0,1.45fr) minmax(280px,.55fr);gap:48px;align-items:end}
.public-hero__grid>*{min-width:0}
.public-breadcrumbs{display:flex;align-items:center;gap:8px;margin-bottom:34px;color:var(--t-text-muted);font-size:13px}
.public-breadcrumbs a{text-underline-offset:3px}
.public-eyebrow{margin:0 0 14px;color:var(--t-accent);font-size:12px;font-weight:800;letter-spacing:.12em;text-transform:uppercase}
.public-hero h1{margin:0;max-width:850px;font-family:"Unbounded",sans-serif;font-size:clamp(38px,6vw,76px);font-weight:700;letter-spacing:-.045em;line-height:1.04}
.public-lead{max-width:780px;margin:26px 0 0;color:var(--t-text-muted);font-size:clamp(18px,2vw,22px)}
.public-byline{display:flex;gap:10px 24px;flex-wrap:wrap;margin-top:28px;color:var(--t-text-muted);font-size:13px}
.public-byline strong{color:var(--t-text)}
.public-summary{padding:28px;border:1px solid var(--t-border);border-radius:26px;background:var(--t-card);box-shadow:var(--t-shadow,none)}
.public-summary>p{margin:0 0 14px;font-family:"Unbounded",sans-serif;font-size:15px;font-weight:600}
.public-summary ul{list-style:none;padding:0;margin:0;display:grid;gap:13px}
.public-summary li{position:relative;padding-left:24px;color:var(--t-text-muted)}
.public-summary li:before,.public-check-list li:before{content:"";position:absolute;left:0;top:.62em;width:10px;height:10px;border-radius:50%;background:var(--t-accent);box-shadow:0 0 0 5px var(--t-accent-tint)}
.public-article{padding-block:76px;display:grid;gap:0}
.public-content-section{display:grid;grid-template-columns:90px minmax(0,760px);gap:28px;padding:42px 0;border-top:1px solid var(--t-border)}
.public-content-section:last-child{border-bottom:1px solid var(--t-border)}
.public-section-number{margin:3px 0 0;color:var(--t-primary);font-family:"Unbounded",sans-serif;font-size:15px;font-weight:700}
.public-content-section h2,.public-related h2,.public-author h2,.public-cta h2,.kbju-calculator h2{margin:0 0 18px;font-family:"Unbounded",sans-serif;font-size:clamp(27px,3.2vw,44px);line-height:1.16;letter-spacing:-.03em}
.public-content-section p{margin:0 0 16px;color:var(--t-text-muted);font-size:18px}
.public-check-list{list-style:none;padding:0;margin:22px 0;display:grid;gap:12px}
.public-check-list li{position:relative;padding-left:28px;font-size:17px}
.public-text-link,.public-sources a{color:var(--t-primary-light);font-weight:700;text-underline-offset:4px}
.public-sources{margin:22px 0 0;padding-left:20px;display:grid;gap:8px}
.public-related{padding:72px 0;background:var(--t-surface)}
.public-related__grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin-top:28px}
.public-related__grid a{display:grid;gap:5px;min-height:120px;padding:22px;border:1px solid var(--t-border);border-radius:20px;background:var(--t-card);text-decoration:none;transition:transform .2s,border-color .2s}
.public-related__grid a:hover{transform:translateY(-3px);border-color:var(--t-primary)}
.public-related__grid strong{font-family:"Unbounded",sans-serif;font-size:15px}
.public-related__grid span{color:var(--t-text-muted);font-size:14px}
.public-author{padding:78px 0}
.public-author__card{display:grid;grid-template-columns:220px minmax(0,1fr);gap:34px;align-items:center;padding:34px;border:1px solid var(--t-border);border-radius:30px;background:var(--t-card);box-shadow:var(--t-shadow,none)}
.public-author__card img{width:100%;height:275px;object-fit:cover;object-position:50% 12%;border-radius:22px}
.public-author__card p{max-width:680px;color:var(--t-text-muted);font-size:17px}
.public-review-date{font-weight:700;color:var(--t-text)!important}
.public-cta{padding:0 0 84px}
.public-cta__card{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:32px;align-items:center;padding:38px;border:1px solid var(--t-primary);border-radius:30px;background:linear-gradient(135deg,var(--t-card),var(--t-primary-tint))}
.public-cta__card p:not(.public-eyebrow){margin:0;color:var(--t-text-muted);font-size:17px}
.public-button{display:inline-flex;align-items:center;justify-content:center;min-height:52px;padding:14px 22px;border:0;border-radius:999px;background:var(--t-accent);color:var(--t-cta-fg);font:800 15px/1.2 Inter,system-ui,sans-serif;text-decoration:none;cursor:pointer;box-shadow:var(--t-cta-glow);transition:transform .2s,box-shadow .2s}
.public-button:hover{transform:translateY(-2px);box-shadow:var(--t-cta-glow-hover)}
body.public-seo-page a:focus-visible,body.public-seo-page button:focus-visible,body.public-seo-page input:focus-visible,body.public-seo-page select:focus-visible{outline:3px solid var(--t-primary);outline-offset:3px}
#calculator-response:focus{outline:3px solid var(--t-primary);outline-offset:3px}
.public-footer{padding:42px 0;border-top:1px solid var(--t-border);background:var(--t-card)}
.public-footer__grid{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:34px}
.public-footer strong{font-family:"Unbounded",sans-serif}
.public-footer p{color:var(--t-text-muted)}
.public-footer nav{display:grid;align-content:start;gap:8px}
.public-footer a{color:var(--t-text-muted);text-underline-offset:3px}
.kbju-calculator{padding:62px 0;background:var(--t-surface)}
.kbju-calculator__head{max-width:780px;margin-bottom:30px}
.kbju-calculator__head>p:not(.public-eyebrow){color:var(--t-text-muted);font-size:17px}
.kbju-form{padding:30px;border:1px solid var(--t-border);border-radius:28px;background:var(--t-card);box-shadow:var(--t-shadow,none)}
.kbju-form fieldset{padding:0;margin:0 26px;border:0}
.kbju-form legend{margin-bottom:18px;font-family:"Unbounded",sans-serif;font-size:18px;font-weight:600}
.kbju-form__grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
.kbju-form label{display:grid;align-content:start;gap:8px;font-size:14px;font-weight:700}
.kbju-form input,.kbju-form select{width:100%;min-height:50px;padding:12px 14px;border:1px solid var(--t-border-strong);border-radius:14px;background:var(--t-bg);color:var(--t-text);font:inherit}
.kbju-form [aria-invalid="true"]{border-color:var(--t-danger)}
.kbju-form small{color:var(--t-danger);font-weight:600}
.kbju-form__privacy{display:inline-block;max-width:600px;margin:14px 0 0 14px;color:var(--t-text-muted);font-size:13px;vertical-align:middle}
.kbju-errors{margin-bottom:20px;padding:18px 20px;border:1px solid var(--t-danger);border-radius:18px;background:color-mix(in srgb,var(--t-danger) 10%,var(--t-card))}
.kbju-errors p{margin:4px 0 0;color:var(--t-text-muted)}
.kbju-unavailable{margin-bottom:20px;padding:18px 20px;border:1px solid var(--t-primary);border-radius:18px;background:var(--t-primary-tint)}
.kbju-unavailable p{margin:4px 0 0;color:var(--t-text-muted)}
.kbju-result{margin-top:24px;padding:30px;border:1px solid var(--t-primary);border-radius:28px;background:var(--t-card)}
.kbju-result__head h3{margin:0;font-family:"Unbounded",sans-serif;font-size:clamp(30px,5vw,56px);line-height:1.1}
.kbju-result__head>p:not(.public-eyebrow){color:var(--t-text-muted)}
.kbju-result__grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px;margin:26px 0}
.kbju-result__grid div{padding:18px;border-radius:18px;background:var(--t-surface)}
.kbju-result dt{color:var(--t-text-muted);font-size:13px;font-weight:700}
.kbju-result dd{margin:8px 0 0;font-family:"Unbounded",sans-serif;font-size:20px;font-weight:650}
.kbju-result__notice{padding:18px;border-left:4px solid var(--t-accent);border-radius:12px;background:var(--t-accent-tint);color:var(--t-text-muted)}
.kbju-result__date{margin:20px 0 0;color:var(--t-text-muted);font-size:13px}
@media(max-width:900px){.public-header{position:relative}.public-header__inner{align-items:flex-start;padding-block:16px}.public-nav{max-width:640px}.public-hero__grid{grid-template-columns:1fr}.public-summary{max-width:640px}.public-related__grid{grid-template-columns:repeat(2,minmax(0,1fr))}.kbju-form__grid{grid-template-columns:repeat(2,minmax(0,1fr))}.kbju-result__grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:640px){.public-shell{width:min(1120px,calc(100% - 24px))}.public-header__inner{display:grid;min-width:0}.public-brand img{width:140px}.public-nav{width:100%;max-width:100%;min-width:0;justify-content:flex-start;flex-wrap:nowrap;overflow-x:auto;padding-bottom:4px;scrollbar-width:none}.public-nav a{white-space:nowrap}.public-hero{padding:44px 0}.public-hero h1{font-size:clamp(34px,10vw,42px)}.public-breadcrumbs{margin-bottom:24px}.public-content-section{grid-template-columns:1fr;gap:8px;padding:32px 0}.public-related__grid,.public-footer__grid,.kbju-form__grid,.kbju-result__grid{grid-template-columns:1fr}.public-author__card{grid-template-columns:96px minmax(0,1fr);align-items:start;padding:20px;gap:18px}.public-author__card img{height:120px}.public-author__card h2{font-size:26px}.public-author__card p{grid-column:1/-1}.public-cta__card{grid-template-columns:1fr;padding:26px}.public-button{width:100%}.kbju-form,.kbju-result{padding:20px}.kbju-form__privacy{margin-left:0}.public-article{padding-block:52px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.public-button,.public-related__grid a{transition:none}}