/* HomeCostBrief launch and SEO enhancements */
:root{--content:min(1200px,calc(100vw - 32px))}
.preview-banner{display:none!important}
.badge{background:var(--surface-green);border-color:#b8e1ce;color:var(--green)}
.article-card{transition:transform .18s ease,box-shadow .18s ease}
.article-card:hover{transform:translateY(-2px);box-shadow:0 16px 34px #08243f1f}
.article-card h3 a{display:inline-block}
.source-note{color:var(--muted);font-size:.92rem}
.updated-note{width:fit-content;background:var(--surface-green);border:1px solid #b8e1ce;border-radius:999px;padding:.3rem .7rem;color:var(--green);font-size:.88rem;font-weight:800;margin-top:.9rem}
.ad-reserve{display:none;min-height:250px;margin:2rem 0}
.ad-reserve[data-active="true"]{display:block}
.article-body .answer-box{background:var(--surface-green);border:1px solid #b8e1ce;border-radius:var(--radius);padding:1rem 1.1rem;margin:1rem 0 1.5rem}
.article-body .answer-box h2,.article-body .answer-box h3{margin-top:0}
.article-body .checklist{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:1rem 1.2rem}
.article-body .checklist li{margin:.45rem 0}
.article-body blockquote{border-left:4px solid var(--green);background:var(--surface-green);margin:1.5rem 0;padding:1rem 1.1rem}
.article-layout{display:grid;gap:1.5rem}
.article-main{max-width:76ch}
.article-aside{align-self:start}
.article-aside .surface{padding:1rem}
.article-aside h2{margin-top:0;font-size:1.08rem}
.article-aside ul{margin:.5rem 0;padding-left:1.2rem}
.article-aside li{margin:.4rem 0}
.key-facts{display:grid;gap:.75rem;margin:1rem 0 1.5rem}
.key-facts>div{background:#fff;border:1px solid var(--border);border-radius:12px;padding:.9rem}
.key-facts dt{color:var(--muted);text-transform:uppercase;font-size:.78rem;font-weight:900}
.key-facts dd{margin:.2rem 0 0;color:var(--navy);font-size:1.25rem;font-weight:900}
.faq details{background:#fff;border:1px solid var(--border);border-radius:12px;margin:.7rem 0;padding:.85rem 1rem}
.faq summary{cursor:pointer;color:var(--navy);font-weight:900}
.faq details p{margin:.7rem 0 0}
.content-card{padding:1.1rem}
.content-card h2,.content-card h3{margin-top:0}
.calculator-shell{display:grid;gap:1.25rem;margin-top:1.25rem}
.calculator-form,.calculator-results{padding:1.2rem}
.calculator-form{display:grid;gap:.9rem}
.field{display:grid;gap:.35rem}
.field label{color:var(--navy);font-weight:800}
.field input,.field select{border:1px solid var(--border);border-radius:10px;min-height:48px;padding:.65rem .75rem;background:#fff}
.result-grid{display:grid;gap:.75rem}
.result-grid>div{border:1px solid var(--border);border-radius:12px;background:#fff;padding:.9rem}
.result-grid span{display:block;color:var(--muted);font-size:.86rem;font-weight:800;text-transform:uppercase}
.result-grid strong{display:block;color:var(--navy);font-size:1.45rem;margin-top:.2rem}
.calculator-note{font-size:.92rem;color:var(--muted)}
@media (width>=860px){.article-layout{grid-template-columns:minmax(0,1fr) 280px}.article-aside{position:sticky;top:1rem}.key-facts{grid-template-columns:repeat(3,minmax(0,1fr))}.calculator-shell{grid-template-columns:minmax(0,1.05fr) minmax(320px,.95fr)}}
@media (width>=700px){.result-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
/* HomeCostBrief v3 content and calculator enhancements */
.formula{background:#eef4f9;border-left:4px solid var(--navy);border-radius:10px;margin:1.2rem 0;padding:1rem 1.1rem}
.on-this-page{margin-bottom:1rem;padding:1rem}.on-this-page h2{font-size:1.08rem;margin:0 0 .55rem}.on-this-page ol{font-size:.92rem;margin:0;padding-left:1.2rem}.on-this-page li{margin:.35rem 0}.on-this-page a{text-decoration:none}
.input-suffix{display:grid;grid-template-columns:minmax(0,1fr) auto;align-items:center}.input-suffix input{border-radius:10px 0 0 10px}.input-suffix span{min-height:48px;display:grid;place-items:center;background:#eef4f9;border:1px solid var(--border);border-left:0;border-radius:0 10px 10px 0;padding:0 .8rem;font-weight:900;color:var(--navy)}
.result-grid .result-primary{background:var(--surface-green);border-color:#b8e1ce}.result-grid strong.negative{color:var(--error)}
.search-summary{grid-column:1/-1;color:var(--muted);margin:0}.search-empty{grid-column:1/-1;padding:1rem}.search-highlight{background:#fff1a8;color:inherit;border-radius:3px;padding:0 .08em}
.article-main a[href^="http"]::after,.sources a::after{content:" ↗";font-size:.8em}.sources a::after{content:""}
@media print{.on-this-page,.ad-reserve{display:none!important}.article-layout{display:block}.article-main{max-width:none}}
.article-card{align-content:start;gap:.55rem;padding:1.15rem;display:grid}
.article-card h3{margin:0;font-size:1.16rem}
.article-card h3 a{display:inline-block;text-decoration:none}
.article-card>p{margin:0}
.article-card footer{color:var(--muted);display:flex;flex-wrap:wrap;gap:.35rem .7rem;font-size:.9rem;margin-top:.25rem}


/* HomeCostBrief v4: mobile-first navigation and layout */
html{scroll-padding-top:88px}
body{overflow-x:hidden}
.hcb-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.97);border-bottom:1px solid var(--border);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px)}
.hcb-header .header-inner{min-height:72px;display:grid;grid-template-columns:auto minmax(0,1fr) auto;align-items:center;gap:1rem}
.hcb-header .site-logo{display:inline-flex;align-items:center;max-width:230px;min-width:0}
.hcb-header .site-logo picture,.hcb-header .site-logo img{display:block;width:100%;height:auto}
.desktop-nav{display:flex;justify-content:center;align-items:center;gap:.15rem;min-width:0}
.desktop-nav a,.header-search,.menu-button{min-height:46px;border-radius:11px;display:inline-flex;align-items:center;justify-content:center;gap:.4rem;padding:.55rem .7rem;color:var(--navy);font-size:.93rem;font-weight:850;text-decoration:none;white-space:nowrap}
.desktop-nav a:hover,.desktop-nav a[aria-current="page"],.header-search:hover{background:var(--surface-green);color:var(--green)}
.desktop-nav a[aria-current="page"]{box-shadow:inset 0 -3px 0 var(--green)}
.header-actions{display:flex;align-items:center;gap:.25rem}
.header-search svg,.menu-button svg,.drawer-close svg,.drawer-search button svg{width:22px;height:22px;fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.menu-button{display:none;background:#fff;border:1px solid var(--border);padding-inline:.75rem}
.nav-backdrop{position:fixed;inset:0;z-index:109;background:rgba(8,36,63,.52);backdrop-filter:blur(2px);-webkit-backdrop-filter:blur(2px)}
.mobile-drawer{position:fixed;z-index:110;top:0;right:0;bottom:0;width:min(92vw,430px);overflow-y:auto;overscroll-behavior:contain;background:#fff;box-shadow:-18px 0 48px rgba(8,36,63,.24);padding:1rem 1rem 2rem;transform:translateX(0)}
.mobile-drawer[hidden],.nav-backdrop[hidden]{display:none}
.mobile-drawer-head{display:flex;align-items:center;justify-content:space-between;gap:1rem;padding:.25rem 0 1rem;border-bottom:1px solid var(--border)}
.mobile-drawer-head>div{display:grid;gap:.1rem}.mobile-drawer-head strong{color:var(--navy);font-size:1.2rem}
.drawer-close{width:48px;height:48px;padding:0;background:#fff;color:var(--navy);border:1px solid var(--border);border-radius:12px;flex:0 0 auto}
.drawer-search{display:grid;gap:.45rem;margin:1rem 0 1.15rem}.drawer-search label{color:var(--navy);font-weight:850;font-size:.92rem}.drawer-search>div{display:grid;grid-template-columns:minmax(0,1fr) 50px}.drawer-search input{min-width:0;min-height:50px;border:1px solid var(--border);border-radius:12px 0 0 12px;padding:.7rem .8rem;background:#fff}.drawer-search button{min-height:50px;padding:0;border-radius:0 12px 12px 0}
.mobile-primary-nav{display:grid;gap:.55rem}.mobile-nav-card{display:grid;grid-template-columns:42px minmax(0,1fr) auto;align-items:center;gap:.75rem;min-height:72px;padding:.75rem;border:1px solid var(--border);border-radius:13px;text-decoration:none;background:#fff}.mobile-nav-card:hover,.mobile-nav-card[aria-current="page"]{background:var(--surface-green);border-color:#b8e1ce}.mobile-nav-card>svg{width:26px;height:26px;fill:none;stroke:var(--green);stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}.mobile-nav-card span:nth-child(2){display:grid;gap:.05rem}.mobile-nav-card strong{color:var(--navy);font-size:1rem}.mobile-nav-card small{color:var(--muted);font-size:.82rem;line-height:1.35}.nav-arrow{font-size:1.8rem;color:var(--green);line-height:1}
.mobile-secondary-nav{display:grid;grid-template-columns:1fr 1fr;gap:.25rem;margin-top:1rem;padding-top:1rem;border-top:1px solid var(--border)}.mobile-secondary-nav a{min-height:46px;display:flex;align-items:center;padding:.55rem .65rem;border-radius:10px;font-weight:750;text-decoration:none}.mobile-secondary-nav a:hover{background:var(--surface-soft)}
body[data-menu-open]{overflow:hidden}
.article-body{overflow-wrap:anywhere}.article-body pre,.article-body code{max-width:100%;overflow-x:auto}.table-wrap{position:relative;-webkit-overflow-scrolling:touch}.table-wrap table{min-width:600px}
.on-this-page-mobile{display:none}.on-this-page-desktop{display:block}
.site-footer nav a{min-height:38px;display:flex;align-items:center}
@media (max-width:999px){
 html{scroll-padding-top:76px}
 :root{--content:min(100% - 24px,1200px)}
 body{font-size:16px;line-height:1.62}
 .hcb-header .header-inner{min-height:64px;grid-template-columns:minmax(0,1fr) auto;gap:.45rem}
 .hcb-header .site-logo{max-width:min(188px,54vw)}
 .desktop-nav{display:none}.header-actions{gap:.2rem}
 .header-search,.menu-button{display:inline-flex;min-width:48px;min-height:48px;padding:.5rem;border:1px solid var(--border);background:#fff}
 .header-search span,.menu-button span{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
 h1{font-size:clamp(2rem,9vw,2.75rem)}h2{font-size:clamp(1.4rem,6.4vw,1.9rem);margin-top:2rem}h3{font-size:1.18rem}
 .hero{padding-top:2rem!important}.hero-grid{gap:1.1rem!important}.hero-panel{grid-template-columns:1fr 1fr!important}.hero-panel div{min-height:92px!important;padding:.6rem;text-align:center;font-size:.92rem}
 .article-layout{display:block}.article-main{max-width:none}.article-aside{margin-top:1.25rem}.article-aside .on-this-page-desktop{display:none}.on-this-page-mobile{display:block;margin:1rem 0 1.4rem}
 .on-this-page-mobile details{background:#fff;border:1px solid var(--border);border-radius:13px;padding:.85rem 1rem}.on-this-page-mobile summary{cursor:pointer;color:var(--navy);font-weight:900}.on-this-page-mobile ol{margin:.75rem 0 .1rem;padding-left:1.3rem}.on-this-page-mobile li{margin:.5rem 0}
 .calculator-form,.calculator-results,.content-card{padding:1rem}.field input,.field select{min-height:52px;font-size:16px}.result-grid strong{font-size:1.3rem}
 .footer-grid{gap:1.35rem!important}.site-footer{margin-top:3rem!important;padding-top:2.25rem!important}.site-footer nav{grid-template-columns:1fr 1fr;column-gap:.5rem}.site-footer nav h2{grid-column:1/-1}
}
@media (min-width:760px) and (max-width:899px){.footer-grid{grid-template-columns:1fr 1fr!important}}
@media (max-width:520px){
 :root{--content:calc(100% - 20px)}
 .hero-actions{display:grid!important;grid-template-columns:1fr}.hero-actions .button{width:100%}
 .hero-panel{grid-template-columns:1fr 1fr!important;gap:.55rem!important}.hero-panel div{min-height:86px!important}
 .section-head{align-items:flex-start!important;flex-direction:column}.section-head>a{min-height:44px;display:flex;align-items:center}
 .grid.cols-2,.grid.cols-3,.grid.cols-4{grid-template-columns:1fr}
 .key-facts{grid-template-columns:1fr}.result-grid{grid-template-columns:1fr}
 .mobile-drawer{width:100%;padding-inline:.8rem}.mobile-secondary-nav{grid-template-columns:1fr 1fr}
 .site-footer nav{grid-template-columns:1fr}.site-footer nav h2{grid-column:auto}
 .breadcrumbs{overflow-x:auto;white-space:nowrap;padding-bottom:.25rem;-webkit-overflow-scrolling:touch}
}
@media (prefers-reduced-motion:no-preference){.mobile-drawer{animation:drawer-in .18s ease-out}.nav-backdrop{animation:fade-in .18s ease-out}@keyframes drawer-in{from{transform:translateX(100%)}to{transform:translateX(0)}}@keyframes fade-in{from{opacity:0}to{opacity:1}}}


/* V5 blog and article monetization layout */
.blog-post{padding-top:1.35rem}
.blog-post .article-hero{max-width:900px}
.article-feature{margin:.5rem 0 1rem;border-radius:18px;overflow:hidden;background:var(--navy);box-shadow:var(--shadow);aspect-ratio:16/9}
.article-feature img{display:block;width:100%;height:100%;object-fit:cover}
.ad-supported-note{max-width:900px;margin:.75rem 0 1.25rem;padding:.7rem .85rem;border-left:4px solid var(--green);background:var(--surface-green);color:var(--muted);font-size:.88rem}
.article-layout{grid-template-columns:minmax(0,760px) minmax(260px,320px);justify-content:space-between;gap:2.25rem}
.article-main{font-size:1.04rem;line-height:1.76}
.article-main>p,.article-main>ul,.article-main>ol{max-width:72ch}
.article-main h2{font-size:clamp(1.45rem,2.2vw,2rem);padding-top:.2rem}
.article-main h3{font-size:1.22rem}
.article-main .answer-box{border-left:5px solid var(--green);background:#f0faf6}
.article-aside{align-self:start}
.article-aside .on-this-page{position:sticky;top:88px}
.article-aside .editorial-disclosure{margin-top:1rem;padding:1rem;font-size:.9rem}
.article-aside .editorial-disclosure h2{font-size:1rem;margin:0 0 .45rem}
.article-card{overflow:hidden;padding:0!important;display:flex;flex-direction:column}
.article-card__image{display:block;aspect-ratio:16/9;overflow:hidden;background:var(--navy)}
.article-card__image img{display:block;width:100%;height:100%;object-fit:cover;transition:transform .2s ease}
.article-card:hover .article-card__image img{transform:scale(1.025)}
.article-card>.eyebrow,.article-card>.badge,.article-card>h3,.article-card>p,.article-card>footer{margin-left:1.05rem;margin-right:1.05rem}
.article-card>.eyebrow{margin-top:1rem;margin-bottom:.35rem}
.article-card>.badge{margin-bottom:.25rem}
.article-card>h3{margin-top:.65rem}
.article-card>p{flex:1}
.article-card>footer{margin-bottom:1rem}
.blog-archive-hero{padding:1.4rem 0 1.5rem;max-width:900px}
.blog-archive-hero p{max-width:70ch}
.blog-filter-links{display:flex;flex-wrap:wrap;gap:.55rem;margin-top:1rem}
.blog-filter-links a{display:inline-flex;align-items:center;min-height:42px;padding:.45rem .75rem;border:1px solid var(--border);border-radius:999px;background:#fff;font-weight:800;text-decoration:none}
.blog-list-section{margin-top:1.3rem}
.blog-card-grid{align-items:stretch}
@media(max-width:999px){.article-layout{display:block}.article-main{font-size:1rem}.article-feature{border-radius:13px;margin-inline:0}.ad-supported-note{font-size:.84rem}.article-card>.eyebrow,.article-card>.badge,.article-card>h3,.article-card>p,.article-card>footer{margin-left:.9rem;margin-right:.9rem}}
@media(max-width:520px){.blog-filter-links{display:grid;grid-template-columns:1fr 1fr}.blog-filter-links a{justify-content:center;text-align:center}.article-main h2{font-size:1.45rem}.article-main{line-height:1.7}}

.content-grid>.toc .ad-sidebar-toc{margin-top:1rem}
@media(max-width:999px){.content-grid>.toc .ad-sidebar-toc{display:none!important}}


/* HomeCostBrief v9 visual and consent improvements */
.article-card{border:1px solid #d7e1eb;box-shadow:0 10px 28px rgba(8,36,63,.06);border-radius:18px;background:#fff}
.article-card__image{position:relative;background:linear-gradient(180deg,#0d3158,#0f2744);border-bottom:1px solid #dbe5ee}
.article-card__image::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(255,255,255,0),rgba(255,255,255,.02));pointer-events:none}
.article-card__image img{display:block;width:100%;height:100%;object-fit:cover;object-position:center}
.article-card .eyebrow{letter-spacing:.08em;font-size:.84rem;font-weight:900;color:var(--green)}
.article-card .badge{display:inline-flex;align-items:center;width:max-content}
.article-card h3{line-height:1.25}
.article-card p{color:#294863;line-height:1.66}
.article-card footer{padding-top:.15rem;border-top:1px solid #edf2f6}
.article-card:hover{transform:translateY(-4px);box-shadow:0 18px 42px rgba(8,36,63,.12)}
.article-layout{align-items:start}
.article-aside{position:static!important;display:grid;gap:1rem;align-content:start}
.article-aside>*{margin-top:0!important}
.article-aside .surface,.article-aside .editorial-disclosure{padding:1rem 1.05rem;border-radius:16px;box-shadow:0 8px 22px rgba(8,36,63,.05)}
.article-aside .surface ul{margin:.1rem 0 0;padding-left:1.2rem}
.article-aside .surface li{margin:.45rem 0}
.article-aside .surface p:last-child,.article-aside .editorial-disclosure p:last-child{margin-bottom:0}
.article-aside .on-this-page{background:#fff;border:1px solid #d7e1eb;border-radius:16px;box-shadow:0 12px 30px rgba(8,36,63,.08)}
@media (min-width:1000px){.article-aside .on-this-page{position:sticky;top:96px;max-height:calc(100dvh - 116px);overflow:auto;overscroll-behavior:contain}}
@media (max-width:999px){.article-aside{margin-top:1.2rem;gap:1rem}.article-aside .on-this-page-desktop{display:none!important}.article-aside [data-hcb-ad="articleSidebar"]{display:none!important}.on-this-page-mobile details{box-shadow:0 10px 22px rgba(8,36,63,.05)}}


/* HomeCostBrief v10 legacy article TOC fix */
@media (min-width:1000px){.content-grid>.toc{position:sticky;top:96px;max-height:calc(100dvh - 116px);overflow:auto;overscroll-behavior:contain}}
@media (max-width:999px){.content-grid>.toc{position:static!important;max-height:none!important;overflow:visible!important}.content-grid{display:flex!important;flex-direction:column}.content-grid>.toc{order:-1}}