:root {
    --ink: #17372f;
    --muted: #5d716a;
    --paper: #fbfcf8;
    --surface: #ffffff;
    --line: #dce5df;
    --brand: #087f5b;
    --brand-dark: #056246;
    --brand-bright: #0b946c;
    --brand-soft: #dff4e9;
    --accent: #dff3aa;
    --accent-strong: #b9dc62;
    --gold: #d6a437;
    --gold-dark: #805a12;
    --gold-soft: #fff3d4;
    --teal-soft: #dff3f1;
    --soft: #edf5f0;
    --warning: #fff7d8;
    --shadow: 0 16px 45px rgba(23, 55, 47, 0.08);
    --shadow-hover: 0 22px 55px rgba(23, 55, 47, 0.13);
}

* {
    box-sizing: border-box;
}

html {
    min-height: 100%;
    scroll-behavior: smooth;
}

body {
    background:
        radial-gradient(circle at 8% 12%, rgba(185, 220, 98, 0.13), transparent 24rem),
        linear-gradient(180deg, var(--paper) 0%, #f5faf7 48%, var(--paper) 100%);
    color: var(--ink);
    display: flex;
    flex-direction: column;
    font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
    font-size: 1rem;
    line-height: 1.65;
    margin: 0;
    min-height: 100vh;
}

button,
input,
select,
textarea {
    font: inherit;
}

.container {
    margin-inline: auto;
    max-width: 72rem;
    padding-inline: 1rem;
    width: 100%;
}

#conteudo {
    flex: 1 0 auto;
}

a {
    color: var(--brand-dark);
    text-decoration: none;
    text-underline-offset: 0.2em;
}

a:hover,
a:focus-visible {
    color: #034c37;
    text-decoration: underline;
}

a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible,
[tabindex]:focus-visible {
    outline: 3px solid var(--accent-strong);
    outline-offset: 3px;
}

.skip-link {
    background: var(--ink);
    color: #fff;
    left: 1rem;
    padding: 0.7rem 1rem;
    position: fixed;
    top: -5rem;
    z-index: 1000;
}

.skip-link:focus {
    color: #fff;
    top: 1rem;
}

.site-header {
    background: linear-gradient(100deg, rgba(251, 252, 248, 0.98), rgba(239, 248, 242, 0.98));
    border-bottom: 1px solid var(--line);
    border-top: 3px solid var(--gold);
    box-shadow: 0 8px 28px rgba(23, 55, 47, 0.05);
    position: relative;
    z-index: 10;
}

.header-inner {
    align-items: center;
    display: flex;
    gap: 1.5rem;
    justify-content: space-between;
    min-height: 4.75rem;
}

.site-brand {
    align-items: center;
    display: inline-flex;
    text-decoration: none;
}

.brand-logo {
    display: block;
    height: auto;
}

.brand-logo-horizontal {
    width: 15rem;
}

.brand-logo-mark {
    display: none;
    width: 3.25rem;
}

.site-nav {
    display: flex;
    flex-wrap: wrap;
    gap: 0.35rem 1.25rem;
    list-style: none;
    margin: 0;
    padding: 0;
}

.site-nav a {
    color: var(--ink);
    display: inline-flex;
    font-size: 0.94rem;
    font-weight: 650;
    min-height: 2rem;
    padding: 0.2rem 0;
    align-items: center;
    text-decoration: none;
    transition: color 160ms ease;
}

.site-nav a:hover {
    color: var(--brand);
    text-decoration: underline;
}

.site-nav a[aria-current="page"] {
    color: var(--brand-dark);
    text-decoration: underline;
    text-decoration-color: var(--gold);
    text-decoration-thickness: 0.18rem;
    text-underline-offset: 0.45rem;
}

.mobile-navigation {
    display: none;
}

main > .container {
    padding-bottom: 4rem;
    padding-top: 1rem;
}

.breadcrumb {
    color: var(--muted);
    display: flex;
    flex-wrap: wrap;
    font-size: 0.88rem;
    list-style: none;
    margin: 0.3rem 0 1.5rem;
    padding: 0;
}

.breadcrumb-item + .breadcrumb-item::before {
    color: var(--muted);
    content: "/";
    padding: 0 0.55rem;
}

.hero {
    background:
        radial-gradient(circle at 84% 85%, rgba(214, 164, 55, 0.2), transparent 18rem),
        linear-gradient(135deg, #173f35 0%, #075f46 65%, #064d3b 100%);
    border-radius: 1.75rem;
    color: #fff;
    margin-top: 1.1rem;
    overflow: hidden;
    padding: clamp(2.5rem, 7vw, 6rem) clamp(1.5rem, 6vw, 5rem);
    position: relative;
}

.hero::before {
    background: rgba(255, 255, 255, 0.06);
    border: 1px solid rgba(255, 255, 255, 0.09);
    border-radius: 50%;
    bottom: -11rem;
    content: "";
    height: 23rem;
    position: absolute;
    right: 8%;
    width: 23rem;
}

.hero::after {
    background: radial-gradient(circle, rgba(185, 220, 98, 0.5) 0 4%, transparent 5% 100%);
    background-size: 28px 28px;
    content: "";
    height: 14rem;
    opacity: 0.45;
    position: absolute;
    right: -2rem;
    top: -2rem;
    transform: rotate(12deg);
    width: 18rem;
}

.hero > * {
    position: relative;
    z-index: 1;
}

.hero h1 {
    font-family: Georgia, "Times New Roman", serif;
    font-size: clamp(2.3rem, 6vw, 4.7rem);
    line-height: 1.04;
    margin: 0 0 1.4rem;
    max-width: 15ch;
    position: relative;
    z-index: 1;
}

.hero-copy {
    color: #d9e5e0;
    font-size: clamp(1.05rem, 2vw, 1.25rem);
    max-width: 43rem;
}

.eyebrow {
    color: var(--brand);
    font-size: 0.76rem;
    font-weight: 800;
    letter-spacing: 0.13em;
    margin-bottom: 0.75rem;
    text-transform: uppercase;
}

.hero .eyebrow {
    color: var(--accent);
}

.hero-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 0.75rem;
    margin-top: 2rem;
    position: relative;
    z-index: 1;
}

.button {
    border: 2px solid transparent;
    border-radius: 999px;
    display: inline-block;
    font-weight: 750;
    padding: 0.75rem 1.2rem;
    text-decoration: none;
}

.button:hover,
.button:focus-visible,
.site-brand:hover,
.site-brand:focus-visible {
    text-decoration: none;
}

.button-primary {
    background: var(--accent);
    color: var(--ink);
}

.button-secondary {
    border-color: rgba(255, 255, 255, 0.45);
    color: #fff;
}

.button-secondary:hover,
.button-secondary:focus-visible {
    background: rgba(255, 255, 255, 0.12);
    border-color: #fff;
    color: #fff;
}

.section {
    padding: clamp(3rem, 7vw, 5.5rem) 0;
}

.section-heading,
.page-intro {
    margin-bottom: 2rem;
    max-width: 48rem;
}

.content-page > .page-intro {
    background: linear-gradient(120deg, rgba(223, 244, 233, 0.92), rgba(255, 243, 212, 0.72));
    border: 1px solid rgba(8, 127, 91, 0.14);
    border-radius: 1.25rem;
    max-width: none;
    padding: clamp(1.4rem, 4vw, 2.6rem);
    position: relative;
}

.content-page > .page-intro::after {
    background: var(--gold);
    border-radius: 999px;
    bottom: 1.25rem;
    content: "";
    height: 0.28rem;
    position: absolute;
    right: 1.4rem;
    width: 3rem;
}

.content-page > .page-intro > p {
    max-width: 48rem;
}

.section-heading h2,
.page-intro h1,
.prose h1 {
    font-family: Georgia, "Times New Roman", serif;
    font-size: clamp(2rem, 4vw, 3.35rem);
    line-height: 1.12;
}

.tool-grid {
    display: grid;
    gap: 1rem;
    grid-template-columns: repeat(4, minmax(0, 1fr));
}

.tool-card {
    --card-color: var(--brand);
    --card-soft: var(--brand-soft);
    background: linear-gradient(155deg, var(--surface) 45%, var(--card-soft) 145%);
    border: 1px solid var(--line);
    border-radius: 1.2rem;
    box-shadow: var(--shadow);
    display: flex;
    flex-direction: column;
    min-height: 15rem;
    overflow: hidden;
    padding: 1.4rem;
    position: relative;
    transition: border-color 180ms ease, box-shadow 180ms ease, transform 180ms ease;
}

.tool-card::before {
    background: linear-gradient(90deg, var(--card-color), transparent);
    content: "";
    height: 0.28rem;
    left: 0;
    position: absolute;
    right: 0;
    top: 0;
}

.tool-card:nth-child(2) {
    --card-color: var(--gold-dark);
    --card-soft: var(--gold-soft);
}

.tool-card:nth-child(3) {
    --card-color: #0b6f65;
    --card-soft: var(--teal-soft);
}

.tool-card:nth-child(4) {
    --card-color: #607b23;
    --card-soft: #eef5d8;
}

.tool-card:hover {
    border-color: color-mix(in srgb, var(--card-color) 35%, var(--line));
    box-shadow: var(--shadow-hover);
    transform: translateY(-3px);
}

.tool-card h2,
.tool-card h3 {
    font-size: 1.3rem;
    margin: 1rem 0 0.4rem;
}

.tool-card p {
    color: var(--muted);
    flex: 1;
}

.tool-card a {
    color: var(--card-color);
    font-weight: 750;
}

.tool-card a::after {
    content: " \2192";
}

.tool-symbol {
    align-items: center;
    background: var(--card-soft);
    border-radius: 50%;
    display: inline-flex;
    font-size: 0.78rem;
    font-weight: 850;
    height: 3rem;
    justify-content: center;
    color: var(--card-color);
    box-shadow: inset 0 0 0 1px color-mix(in srgb, var(--card-color) 18%, transparent);
    width: 3rem;
}

.trust-strip,
.notice-card {
    align-items: center;
    background: linear-gradient(120deg, var(--accent), var(--gold-soft));
    border: 1px solid rgba(128, 90, 18, 0.12);
    border-radius: 1.4rem;
    display: grid;
    gap: 2rem;
    grid-template-columns: 1fr 1fr;
    padding: clamp(1.5rem, 4vw, 3rem);
}

.trust-strip h2,
.notice-card h2 {
    font-family: Georgia, "Times New Roman", serif;
    margin: 0;
}

.trust-strip .eyebrow,
.notice-card .eyebrow {
    color: var(--ink);
}

.investment-hub .notice-card {
    margin-top: 2rem;
}

.investment-hub .tool-card p {
    flex: 0 0 auto;
    margin-bottom: 0;
}

.investment-hub .tool-card .topic-description {
    flex: 1 1 auto;
    margin-bottom: 1rem;
}

.educational-section {
    padding-bottom: 1rem;
}

.savings-hub .educational-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
}

.content-page {
    margin: 0 auto;
    max-width: 72rem;
    padding: clamp(1.2rem, 4vw, 3.5rem) 0;
}

.rate-status {
    background: linear-gradient(100deg, var(--brand-soft), var(--surface));
    border: 1px solid var(--line);
    border-left: 4px solid var(--brand);
    border-radius: 0.75rem;
    display: grid;
    gap: 0.15rem;
    margin-bottom: 1.5rem;
    padding: 1rem 1.2rem;
}

.rate-status span {
    color: var(--muted);
    font-size: 0.92rem;
}

.rate-status-warning {
    background: linear-gradient(100deg, var(--warning), var(--surface));
    border-left-color: #9a6b00;
}

.calculator-intro {
    margin-bottom: 1.25rem;
}

.calculator-layout {
    align-items: start;
    display: grid;
    gap: 1.5rem;
    grid-template-columns: minmax(0, 1fr) minmax(20rem, 0.9fr);
}

.calculator-layout > *,
.calculator-content > *,
.rate-status,
.table-scroll {
    min-width: 0;
}

.rate-status,
.result-assumptions,
.future-warning {
    overflow-wrap: anywhere;
}

.calculator-panel,
.result-panel {
    background: linear-gradient(160deg, var(--surface) 72%, rgba(223, 244, 233, 0.45));
    border: 1px solid var(--line);
    border-radius: 1.2rem;
    box-shadow: var(--shadow);
    padding: clamp(1.25rem, 3vw, 2rem);
}

.calculator-panel {
    border-top: 5px solid var(--gold);
}

.calculator-panel h2,
.result-panel h2,
.scenario-section h2,
.calculator-content h2 {
    font-family: Georgia, "Times New Roman", serif;
}

.form-grid,
.rate-fields {
    display: grid;
    gap: 0 1rem;
    grid-template-columns: repeat(2, minmax(0, 1fr));
}

.rate-fields > [data-cdi-assumption] {
    grid-column: 1 / -1;
}

.choice-row {
    display: flex;
    flex-wrap: wrap;
    gap: 0.7rem 1.5rem;
}

.choice-row > div {
    margin: 0;
}

.form-label,
.form-check-label {
    display: inline-block;
    font-weight: 700;
    margin-bottom: 0.35rem;
}

.form-control {
    appearance: none;
    background: #fcfefc;
    border: 1px solid #9aacA5;
    border-radius: 0.55rem;
    color: var(--ink);
    display: block;
    min-height: 2.8rem;
    padding: 0.55rem 0.75rem;
    width: 100%;
}

.form-control:focus {
    border-color: var(--brand);
    box-shadow: 0 0 0 3px rgba(8, 127, 91, 0.12);
}

.form-check {
    align-items: flex-start;
    display: flex;
    gap: 0.5rem;
}

.form-check-input {
    flex: 0 0 auto;
    height: 1.5rem;
    margin-top: 0.05rem;
    width: 1.5rem;
}

.choice-row .form-check {
    align-items: center;
}

.mb-3 {
    margin-bottom: 1rem;
}

.invalid-feedback {
    color: #8f1d1d;
    display: block;
}

.hint-block,
.form-text,
.term-convention {
    color: var(--muted);
    font-size: 0.86rem;
}

.preset-row {
    display: flex;
    flex-wrap: wrap;
    gap: 0.45rem;
    margin: -0.35rem 0 1.1rem;
}

.preset-button {
    background: var(--brand-soft);
    border: 1px solid var(--line);
    border-radius: 999px;
    color: var(--ink);
    font-weight: 700;
    min-height: 2.75rem;
    padding: 0.4rem 0.75rem;
}

.preset-button:hover {
    background: var(--accent);
    border-color: var(--accent-strong);
}

.calculator-submit {
    background: linear-gradient(135deg, var(--brand-bright), var(--brand-dark));
    color: #fff;
    min-height: 3rem;
}

.calculator-submit:hover {
    background: var(--brand-dark);
    color: #fff;
}

.result-panel {
    border-top: 5px solid var(--brand);
}

.result-panel-complete {
    background:
        radial-gradient(circle at 100% 0, rgba(185, 220, 98, 0.2), transparent 13rem),
        linear-gradient(160deg, var(--surface) 70%, rgba(223, 244, 233, 0.65));
}

.result-panel:not(.result-panel-complete) {
    position: sticky;
    top: 1rem;
}

.result-panel:focus {
    scroll-margin-top: 1rem;
}

.primary-result {
    color: var(--brand-dark);
    font-family: Georgia, "Times New Roman", serif;
    font-size: clamp(2.1rem, 5vw, 3.4rem);
    font-weight: 700;
    line-height: 1.05;
    margin: 0.5rem 0 1rem;
}

.result-lead {
    color: var(--muted);
}

.result-breakdown {
    border-top: 1px solid var(--line);
    margin: 1.4rem 0;
}

.result-breakdown div {
    align-items: baseline;
    border-bottom: 1px solid var(--line);
    display: flex;
    gap: 1rem;
    justify-content: space-between;
    padding: 0.6rem 0;
}

.result-breakdown dt {
    color: var(--muted);
    font-weight: 500;
}

.result-breakdown dd {
    font-weight: 750;
    margin: 0;
    text-align: right;
}

.equivalence-card,
.future-warning,
.term-convention {
    background: linear-gradient(110deg, var(--soft), var(--brand-soft));
    border-radius: 0.75rem;
    padding: 1rem;
}

.equivalence-card {
    display: grid;
    gap: 0.25rem;
    margin: 1rem 0;
}

.equivalence-card span,
.result-assumptions,
.future-warning {
    color: var(--muted);
    font-size: 0.9rem;
}

.result-assumptions h3 {
    color: var(--ink);
    font-size: 1rem;
}

.scenario-section,
.calculator-content,
.calculator-page > .disclaimer {
    margin-top: 3rem;
}

.embedded-calculator {
    margin: 2rem 0 3rem;
}

.article-body {
    max-width: 48rem;
}

.milestone-section {
    margin: 3rem 0;
    max-width: 60rem;
}

.milestone-section h2 {
    font-family: Georgia, "Times New Roman", serif;
}

.comparison-table {
    margin: 2rem 0 3rem;
}

.comparison-table table {
    min-width: 68rem;
}

.comparison-table tbody th {
    color: var(--brand-dark);
}

.cta-links {
    display: flex;
    flex-wrap: wrap;
    gap: 0.5rem;
}

.table-scroll {
    max-width: 100%;
    overflow-x: auto;
}

.table-scroll table {
    background: var(--surface);
    border-collapse: collapse;
    min-width: 42rem;
    width: 100%;
    border: 1px solid var(--line);
    border-radius: 0.8rem;
}

.table-scroll.comparison-table table {
    min-width: 68rem;
}

.table-scroll th,
.table-scroll td {
    border-bottom: 1px solid var(--line);
    padding: 0.8rem 1rem;
    text-align: left;
}

.table-scroll th {
    background: var(--brand-soft);
    color: var(--brand-dark);
}

.table-scroll tbody tr:nth-child(even) {
    background: rgba(237, 245, 240, 0.55);
}

.calculator-content {
    display: grid;
    gap: 1rem;
    grid-template-columns: repeat(2, minmax(0, 1fr));
}

.calculator-content section {
    background: linear-gradient(155deg, var(--surface) 68%, rgba(223, 244, 233, 0.5));
    border: 1px solid var(--line);
    border-radius: 1rem;
    padding: 1.3rem;
    position: relative;
}

.calculator-content section:nth-child(even) {
    background: linear-gradient(155deg, var(--surface) 68%, rgba(255, 243, 212, 0.55));
}

.calculator-content h2 {
    font-size: 1.35rem;
}

.page-intro > p:last-child,
.lead {
    color: var(--muted);
    font-size: 1.15rem;
}

.info-grid {
    display: grid;
    gap: 2rem;
    grid-template-columns: 1.3fr 0.7fr;
    margin: 3rem 0;
}

.method-card,
.article-cta,
.disclaimer {
    background: linear-gradient(120deg, var(--soft), var(--brand-soft));
    border-radius: 1rem;
    padding: 1.5rem;
}

.disclaimer {
    background: linear-gradient(120deg, var(--gold-soft), var(--surface));
    border-left: 4px solid var(--gold);
}

.check-list li {
    margin-bottom: 0.6rem;
}

.related-link {
    border-top: 1px solid var(--line);
    font-weight: 700;
    padding-top: 1.5rem;
}

.related-links {
    align-items: center;
    border-top: 1px solid var(--line);
    display: flex;
    flex-wrap: wrap;
    gap: 0.6rem 1.2rem;
    margin-top: 2rem;
    padding-top: 1.5rem;
}

.related-links a {
    background: var(--brand-soft);
    border-radius: 999px;
    padding: 0.35rem 0.75rem;
    text-decoration: none;
}

.related-links a:hover,
.related-links a:focus-visible {
    text-decoration: underline;
}

.prose {
    max-width: 48rem;
}

.prose h2 {
    border-left: 4px solid var(--gold);
    font-family: Georgia, "Times New Roman", serif;
    font-size: 1.7rem;
    margin-top: 2.5rem;
    padding-left: 0.8rem;
}

.prose li {
    margin-bottom: 0.55rem;
}

.prose h3 {
    font-size: 1.25rem;
    margin-top: 1.8rem;
}

.article-index {
    background: linear-gradient(120deg, var(--brand-soft), var(--gold-soft));
    border: 1px solid rgba(8, 127, 91, 0.12);
    border-radius: 0.85rem;
    display: flex;
    flex-wrap: wrap;
    gap: 0.35rem 1rem;
    margin: 2rem 0;
    padding: 1rem 1.2rem;
}

.source-list a {
    overflow-wrap: anywhere;
}

.article-cta {
    align-items: center;
    display: flex;
    gap: 1rem;
    justify-content: space-between;
    margin: 2rem 0;
}

.article-cta p {
    margin: 0.2rem 0 0;
}

.article-cta .button-primary {
    background: var(--brand);
    color: #fff;
    flex: 0 0 auto;
}

.review-date {
    color: var(--muted);
    font-size: 0.9rem;
}

#footer {
    background:
        radial-gradient(circle at 82% 0, rgba(214, 164, 55, 0.13), transparent 18rem),
        #123d33;
    border-top: 4px solid var(--gold);
    color: #fff;
    flex: 0 0 auto;
    padding: 1rem 0;
}

.footer-grid {
    display: grid;
    gap: 2rem;
    grid-template-columns: minmax(14rem, 0.8fr) minmax(0, 2.2fr);
    padding: 2rem 0 1rem;
}

.footer-grid p,
.footer-note {
    color: #d5e4de;
    font-size: 0.9rem;
}

.footer-links {
    display: grid;
    gap: 1.5rem clamp(1.5rem, 4vw, 3rem);
    grid-template-columns: repeat(3, minmax(0, 1fr));
}

.footer-link-group {
    align-items: flex-start;
    display: flex;
    flex-direction: column;
    gap: 0.5rem;
}

.footer-link-group strong {
    color: var(--accent);
    font-size: 0.76rem;
    letter-spacing: 0.1em;
    text-transform: uppercase;
}

#footer a {
    color: #fff;
}

#footer a:hover {
    color: var(--accent);
    text-decoration: underline;
}

.footer-note {
    align-items: center;
    border-top: 1px solid rgba(255, 255, 255, 0.2);
    display: flex;
    flex-wrap: wrap;
    gap: 0.4rem 1.5rem;
    justify-content: space-between;
    margin: 0;
    padding-top: 1rem;
}

.error-summary {
    background: #fdeaea;
    border-left: 3px solid #a92525;
    padding: 1rem;
}

@media (max-width: 900px) {
    .tool-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .calculator-layout {
        grid-template-columns: 1fr;
    }

    .savings-hub .educational-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .result-panel {
        position: static;
    }
}

@media (max-width: 700px) {
    .header-inner {
        align-items: center;
        display: flex;
        gap: 1rem;
        justify-content: space-between;
        min-height: 0;
        padding-bottom: 0.75rem;
        padding-top: 0.75rem;
        position: relative;
    }

    .desktop-navigation {
        display: none;
    }

    .mobile-navigation {
        display: block;
    }

    .menu-toggle {
        align-items: center;
        border: 1px solid var(--brand);
        border-radius: 0.55rem;
        color: var(--brand-dark);
        cursor: pointer;
        display: inline-flex;
        font-weight: 700;
        gap: 0.65rem;
        min-height: 2.75rem;
        padding: 0.55rem 0.75rem;
        user-select: none;
    }

    .menu-toggle::-webkit-details-marker {
        display: none;
    }

    .menu-toggle::marker {
        content: "";
    }

    .menu-toggle-icon,
    .menu-toggle-icon::before,
    .menu-toggle-icon::after {
        background: currentColor;
        border-radius: 1px;
        display: block;
        height: 2px;
        width: 1.25rem;
    }

    .menu-toggle-icon {
        position: relative;
    }

    .menu-toggle-icon::before,
    .menu-toggle-icon::after {
        content: "";
        left: 0;
        position: absolute;
    }

    .menu-toggle-icon::before {
        top: -0.38rem;
    }

    .menu-toggle-icon::after {
        top: 0.38rem;
    }

    .mobile-navigation[open] .menu-toggle {
        background: var(--brand);
        color: #fff;
    }

    .mobile-navigation nav {
        background: #f7fbf8;
        border-bottom: 1px solid var(--line);
        border-top: 1px solid var(--line);
        box-shadow: 0 14px 24px rgba(23, 55, 47, 0.14);
        left: 0;
        padding: 0.55rem 1rem 0.8rem;
        position: absolute;
        right: 0;
        top: 100%;
    }

    .mobile-navigation .site-nav {
        align-items: stretch;
        display: flex;
        flex-direction: column;
        gap: 0;
    }

    .mobile-navigation .site-nav a {
        display: flex;
        font-size: 0.94rem;
        min-height: 2.75rem;
        padding: 0.65rem 0.35rem;
    }

    .brand-logo-horizontal {
        display: none;
    }

    .brand-logo-mark {
        display: block;
    }

    .savings-hub .educational-grid {
        grid-template-columns: 1fr;
    }

    .article-cta {
        align-items: flex-start;
        flex-direction: column;
    }

    .footer-note {
        align-items: flex-start;
        flex-direction: column;
    }

    .hero {
        border-radius: 1.15rem;
    }

    .tool-grid,
    .trust-strip,
    .notice-card,
    .info-grid,
    .footer-grid,
    .form-grid,
    .rate-fields,
    .calculator-content {
        grid-template-columns: 1fr;
    }

    .rate-fields > [data-cdi-assumption] {
        grid-column: auto;
    }

    .calculator-panel,
    .result-panel {
        padding: 1.1rem;
    }

    .result-breakdown div {
        align-items: flex-start;
        flex-direction: column;
        gap: 0.15rem;
    }

    .result-breakdown dd {
        text-align: left;
    }

    .tool-card {
        min-height: 0;
    }

    .article-cta {
        align-items: flex-start;
        flex-direction: column;
    }

    .footer-links {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }
}

@media (max-width: 420px) {
    .footer-links {
        grid-template-columns: 1fr;
    }
}

@media (prefers-reduced-motion: reduce) {
    html {
        scroll-behavior: auto;
    }

    .site-nav a,
    .tool-card {
        transition: none;
    }

    .tool-card:hover {
        transform: none;
    }
}