:root{--primary:#073d3a;--primary-dark:#052d2b;--secondary:#115e59;--accent:#d97706;--accent-soft:#fff4df;--bg:#fff;--bg-soft:#f5f8f7;--bg-tint:#edf5f3;--text:#172321;--text-muted:#52625f;--border:#d9e3e0;--white:#fff;--radius-sm:.5rem;--radius:.875rem;--radius-lg:1.25rem;--shadow-sm:0 2px 12px rgba(7,61,58,.07);--shadow:0 18px 45px rgba(7,45,43,.11);--container:82rem;--space-1:.25rem;--space-2:.5rem;--space-3:.75rem;--space-4:1rem;--space-5:1.5rem;--space-6:2rem;--space-7:3rem;--space-8:4.5rem;--font:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}
*,*::before,*::after{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:6rem}body{margin:0;background:var(--bg);color:var(--text);font-family:var(--font);font-size:1rem;line-height:1.65;-webkit-font-smoothing:antialiased}a{color:var(--secondary);text-underline-offset:.2em}a:hover{color:var(--primary-dark)}button,input{font:inherit}button:disabled,input:disabled{cursor:not-allowed}h1,h2,h3,p{margin-top:0}h1,h2,h3{color:var(--primary-dark);line-height:1.15;letter-spacing:-.025em}h1{max-width:15ch;margin-bottom:var(--space-5);font-size:clamp(2.45rem,6.5vw,4.25rem)}h2{margin-bottom:var(--space-4);font-size:clamp(1.9rem,4vw,2.8rem)}h3{font-size:1.15rem}.container{width:min(100% - 2rem,var(--container));margin-inline:auto}.section{padding-block:var(--space-8)}.section-tint{background:var(--bg-soft)}.section-head{display:flex;justify-content:space-between;align-items:end;margin-bottom:var(--space-7)}.section-head p{max-width:43rem;margin-bottom:0;color:var(--text-muted);font-size:1.075rem}.eyebrow,.kicker{margin-bottom:var(--space-3);color:var(--accent);font-size:.78rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase}.sr-only{position:absolute!important;width:1px!important;height:1px!important;padding:0!important;margin:-1px!important;overflow:hidden!important;clip:rect(0,0,0,0)!important;white-space:nowrap!important;border:0!important}.skip-link{position:fixed;z-index:1000;top:var(--space-3);left:var(--space-3);padding:.75rem 1rem;transform:translateY(-160%);background:var(--primary);color:#fff;border-radius:var(--radius-sm);font-weight:700}.skip-link:focus{transform:translateY(0)}:focus-visible{outline:3px solid #f59e0b;outline-offset:3px;border-radius:4px}
.site-header{position:sticky;z-index:100;top:0;background:rgba(255,255,255,.97);border-bottom:1px solid var(--border);backdrop-filter:blur(12px)}.header-inner{min-height:4.75rem;display:flex;align-items:center;justify-content:space-between;gap:var(--space-5)}.brand{color:var(--primary-dark);font-size:1.45rem;font-weight:850;letter-spacing:-.045em;text-decoration:none}.brand span{color:var(--accent)}.site-nav{display:flex;align-items:center;gap:clamp(.6rem,1.4vw,1.25rem)}.site-nav>a:not(.btn){color:#2e3e3b;font-size:.91rem;font-weight:650;text-decoration:none}.site-nav>a[aria-current=page],.site-nav>a:not(.btn):hover{color:var(--primary);text-decoration:underline;text-decoration-color:var(--accent);text-decoration-thickness:2px;text-underline-offset:.4rem}.menu-toggle{display:none;width:2.75rem;height:2.75rem;padding:.55rem;background:transparent;border:1px solid var(--border);border-radius:var(--radius-sm)}.menu-toggle span:not(.sr-only){display:block;width:100%;height:2px;margin:5px 0;background:var(--primary)}
.btn{display:inline-flex;min-height:2.9rem;align-items:center;justify-content:center;padding:.75rem 1.2rem;border:1px solid transparent;border-radius:var(--radius-sm);font-weight:750;line-height:1.2;text-align:center;text-decoration:none;transition:background-color .15s,color .15s,border-color .15s,transform .15s}.btn:hover{transform:translateY(-1px)}.btn-primary{background:var(--primary);color:#fff}.btn-primary:hover{background:var(--primary-dark);color:#fff}.btn-secondary{background:#fff;color:var(--primary);border-color:#a8bfba}.btn-secondary:hover{border-color:var(--primary);color:var(--primary-dark)}.btn:disabled{opacity:.58;transform:none}.button-row{display:flex;flex-wrap:wrap;gap:var(--space-3)}
.hero{overflow:hidden;padding:clamp(3.5rem,7vw,6.5rem) 0;background:linear-gradient(90deg,#f6faf8 0%,#fff 62%)}.hero-grid{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(22rem,.85fr);gap:clamp(2.5rem,6vw,6rem);align-items:center}.hero-lede{max-width:43rem;margin-bottom:var(--space-6);color:var(--text-muted);font-size:clamp(1.08rem,2vw,1.25rem)}.hero-note{display:flex;gap:.5rem;align-items:center;margin:var(--space-5) 0 0;color:var(--text-muted);font-size:.92rem}.hero-note span{color:var(--secondary);font-weight:800}.estimate-wrap{position:relative}.estimate-wrap::before{content:"";position:absolute;width:18rem;height:18rem;right:-5rem;top:-4rem;background:var(--accent-soft);border-radius:50%}.estimate-card{position:relative;padding:clamp(1.25rem,4vw,2rem);background:#fff;border:1px solid var(--border);border-top:4px solid var(--accent);border-radius:var(--radius-lg);box-shadow:var(--shadow)}.estimate-head{display:flex;justify-content:space-between;gap:1rem}.estimate-head h2{font-size:1.55rem}.status,.label,.coming,.article-tag{display:inline-flex;width:max-content;align-items:center;padding:.3rem .65rem;background:var(--accent-soft);color:#8a4a02;border-radius:999px;font-size:.72rem;font-weight:800;letter-spacing:.04em}.amount-block{display:flex;flex-direction:column;margin:1rem 0;padding:1.2rem;background:var(--bg-soft);border-radius:var(--radius)}.amount-block span,.received span{color:var(--text-muted);font-size:.85rem}.amount-block strong{color:var(--primary-dark);font-size:1.9rem}.estimate-list{margin:0}.estimate-list div{display:flex;justify-content:space-between;padding:.8rem 0;border-bottom:1px solid var(--border)}.estimate-list dd{margin:0;font-weight:750}.received{display:flex;flex-direction:column;margin-top:1rem;padding:1rem;border-left:4px solid var(--secondary);background:var(--bg-tint)}.received strong{font-size:1.05rem}.estimate-card>p{margin:1rem 0 0;color:var(--text-muted);font-size:.78rem;line-height:1.5}
.ad-slot{display:flex;min-height:4.5rem;align-items:center;justify-content:center;margin-block:var(--space-5);color:#7a8885;border:1px dashed #bccbc7;background:#fafcfb;border-radius:var(--radius-sm);font-size:.7rem;letter-spacing:.09em;text-transform:uppercase}.quick-section{padding-top:var(--space-6)}.quick-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:var(--space-4)}.quick-card{display:grid;grid-template-columns:auto 1fr auto;gap:var(--space-4);align-items:start;padding:var(--space-5);color:var(--text);border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow-sm);text-decoration:none}.quick-card:hover{border-color:#90afa9;box-shadow:var(--shadow)}.quick-card strong,.quick-card small{display:block}.quick-card strong{color:var(--primary-dark)}.quick-card small{margin-top:.3rem;color:var(--text-muted);line-height:1.45}.icon{display:inline-flex;width:2.65rem;height:2.65rem;flex:0 0 auto;align-items:center;justify-content:center;background:var(--bg-tint);color:var(--primary);border-radius:.75rem;font-size:1.25rem;font-weight:800}.arrow{color:var(--accent);font-size:1.25rem}
.card{padding:var(--space-5);background:#fff;border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow-sm)}.card p{color:var(--text-muted)}.card a{font-weight:750}.country-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:var(--space-4)}.country-card{display:grid;grid-template-columns:auto 1fr;column-gap:var(--space-3)}.country-badge{grid-row:1/3;display:inline-flex;width:2.8rem;height:2.8rem;align-items:center;justify-content:center;background:var(--primary);color:#fff;border-radius:50%;font-size:.75rem;font-weight:850;letter-spacing:.05em}.country-card h3{margin:.15rem 0 .75rem}.country-card p,.country-card a{grid-column:1/-1}.country-card p{min-height:3.25rem;margin:.3rem 0 1rem}.feature-grid,.provider-grid,.article-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--space-4)}.feature-card,.provider-card,.article-card{display:flex;min-height:17rem;flex-direction:column}.feature-card h3{margin:1.1rem 0 .65rem}.feature-card p,.provider-card p,.article-card p{margin-bottom:var(--space-5)}.feature-card .coming,.article-card .coming{margin-top:auto}.provider-card h3{margin:1.1rem 0 .65rem;font-size:1.35rem}.provider-card small{display:block;margin:auto 0 1.25rem;color:var(--text-muted);line-height:1.5}.article-tag{background:var(--bg-tint);color:var(--secondary)}.article-card h3{margin:1.15rem 0 .65rem;font-size:1.25rem}.trust-section{background:var(--primary);color:#fff}.trust-grid{display:grid;grid-template-columns:1fr 1fr;gap:var(--space-7)}.trust-section h2{color:#fff}.trust-copy{max-width:35rem;color:#d8e7e4;font-size:1.08rem}.trust-list{display:grid;grid-template-columns:1fr 1fr;gap:var(--space-4);margin:0;padding:0;list-style:none}.trust-list li{display:flex;gap:.65rem;align-items:center;padding:1rem;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);border-radius:var(--radius-sm)}.trust-list span{color:#fbbf24;font-weight:900}.disclaimer{grid-column:1/-1;margin:0;padding-top:var(--space-5);color:#d8e7e4;border-top:1px solid rgba(255,255,255,.2);font-size:.9rem}.newsletter{padding:var(--space-8) 0}.newsletter-inner{display:grid;grid-template-columns:1.1fr .9fr;gap:var(--space-7);align-items:center;padding:clamp(1.5rem,5vw,3.5rem);background:var(--accent-soft);border-radius:var(--radius-lg)}.newsletter-inner h2{margin-top:var(--space-4)}.newsletter-inner p{margin:0;color:var(--text-muted)}.newsletter-form label{display:block;margin-bottom:.5rem;font-weight:750}.input-row{display:flex;gap:.6rem}.input-row input{min-width:0;flex:1;padding:.8rem 1rem;background:#fff;border:1px solid #c8b99e;border-radius:var(--radius-sm)}.newsletter-form small{display:block;margin-top:.5rem;color:var(--text-muted)}.ad-bottom{margin-bottom:var(--space-7)}
.site-footer{padding-top:var(--space-8);background:var(--primary-dark);color:#c7d7d4}.footer-grid{display:grid;grid-template-columns:1.5fr repeat(3,1fr);gap:var(--space-7);padding-bottom:var(--space-7)}.brand-light{color:#fff}.footer-brand p{max-width:23rem;margin-top:1rem}.site-footer h2{color:#fff;font-size:.92rem;letter-spacing:.05em}.site-footer ul{margin:0;padding:0;list-style:none}.site-footer li{margin:.65rem 0}.site-footer a{color:#e3eeec}.site-footer span{color:#9db2ae;font-size:.91rem}.footer-bottom{display:flex;justify-content:space-between;gap:var(--space-5);padding:var(--space-5) 0;border-top:1px solid rgba(255,255,255,.14);font-size:.82rem}.footer-bottom p{margin:0}
@media(max-width:64rem){.menu-toggle{display:block}.site-nav{position:absolute;top:100%;left:0;width:100%;display:none;align-items:stretch;padding:1rem;background:#fff;border-bottom:1px solid var(--border);box-shadow:var(--shadow)}.site-nav.is-open{display:grid}.site-nav>a{padding:.65rem}.nav-cta{margin-top:.3rem}.hero-grid{grid-template-columns:1fr 23rem}.quick-grid,.country-grid{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:1.5fr 1fr 1fr}.footer-grid>div:last-child{grid-column:2}}
@media(max-width:48rem){.section{padding-block:var(--space-7)}.hero{padding-block:var(--space-7)}.hero-grid,.newsletter-inner,.trust-grid{grid-template-columns:1fr}.estimate-wrap{max-width:34rem}.feature-grid,.provider-grid,.article-grid{grid-template-columns:repeat(2,1fr)}.trust-list{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr 1fr}.footer-grid>div:last-child{grid-column:auto}.footer-brand{grid-column:1/-1}.footer-bottom{display:block}.footer-bottom p+p{margin-top:.5rem}}
@media(max-width:35rem){.container{width:min(100% - 1.25rem,var(--container))}.quick-grid,.country-grid,.feature-grid,.provider-grid,.article-grid,.footer-grid{grid-template-columns:1fr}.footer-brand{grid-column:auto}.feature-card,.provider-card,.article-card{min-height:0}.country-card p{min-height:0}.button-row .btn{width:100%}.input-row{display:grid}.newsletter-inner{padding:1.25rem}.section-head{margin-bottom:var(--space-6)}h1{font-size:2.35rem}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{transition-duration:.01ms!important}}

/* Calculator center and shared calculator template */
.page-hero{padding:3.5rem 0 2.5rem;background:var(--bg-soft);border-bottom:1px solid var(--border)}.page-hero h1{max-width:22ch;font-size:clamp(2.3rem,5vw,3.6rem)}.page-hero .hero-lede{margin-bottom:0}.breadcrumbs{margin-bottom:1.25rem;color:var(--text-muted);font-size:.9rem}.breadcrumbs ol{display:flex;flex-wrap:wrap;gap:.5rem;margin:0;padding:0;list-style:none}.breadcrumbs li+li::before{content:"/";margin-right:.5rem;color:#8b9996}.breadcrumbs a{font-weight:650}.directory-tools{display:grid;grid-template-columns:2fr 1fr;gap:1rem;margin-bottom:2rem;padding:1.25rem;background:#fff;border:1px solid var(--border);border-radius:var(--radius)}.field label,.newsletter-form label{display:block;margin-bottom:.4rem;color:var(--primary-dark);font-weight:750}.field input,.field select,.directory-tools input,.directory-tools select{width:100%;min-height:3rem;padding:.7rem .85rem;background:#fff;color:var(--text);border:1px solid #aebfbb;border-radius:var(--radius-sm)}.field small{display:block;margin-top:.35rem;color:var(--text-muted);font-size:.78rem}.calc-directory-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem}.calc-directory-card{display:flex;min-height:18rem;flex-direction:column}.calc-directory-card h2{margin:1rem 0 .7rem;font-size:1.3rem}.calc-directory-card p{margin-bottom:1.25rem}.calc-directory-card .btn{align-self:flex-start;margin-top:auto}.filter-empty{padding:2rem;text-align:center;background:var(--bg-soft);border-radius:var(--radius)}
.calc-layout{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(19rem,.95fr);gap:1.25rem;align-items:start}.calc-panel{padding:clamp(1rem,3vw,2rem);border:1px solid var(--border);border-radius:var(--radius-lg);box-shadow:var(--shadow-sm)}.calc-form{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1rem}.calc-form .full,.form-actions,.privacy-note,.form-error,.quick-percentages{grid-column:1/-1}.input-affix{position:relative}.input-affix span{position:absolute;top:50%;transform:translateY(-50%);color:var(--text-muted);pointer-events:none}.input-affix .prefix{left:.8rem}.input-affix .suffix{right:.8rem}.input-affix:has(.prefix) input{padding-left:2rem}.input-affix:has(.suffix) input{padding-right:2.5rem}.form-actions{display:flex;flex-wrap:wrap;gap:.7rem;margin-top:.5rem}.btn-quiet{background:transparent;color:var(--primary);border-color:var(--border)}.privacy-note{margin:0;padding:.75rem;background:var(--bg-soft);color:var(--text-muted);border-radius:var(--radius-sm);font-size:.82rem}.form-error{min-height:1.5rem;margin:0;color:#9f241f;font-weight:700}.results-panel{position:sticky;top:6rem;padding:clamp(1rem,3vw,2rem);background:var(--primary);color:#fff;border-radius:var(--radius-lg);box-shadow:var(--shadow)}.results-panel h2{color:#fff;font-size:1.5rem}.results-panel .result-actions{display:flex;flex-wrap:wrap;gap:.6rem;margin-top:1.25rem}.results-panel .btn{background:#fff;color:var(--primary-dark);font-size:.85rem}.result-item{display:flex;justify-content:space-between;gap:1rem;padding:.7rem 0;border-bottom:1px solid rgba(255,255,255,.18)}.result-item span{color:#d8e7e4}.result-item strong{text-align:right}.result-primary{display:block;margin-bottom:.5rem;padding:1rem;background:rgba(255,255,255,.11);border:1px solid rgba(255,255,255,.18);border-radius:var(--radius)}.result-primary span,.result-primary strong{display:block}.result-primary strong{margin-top:.25rem;text-align:left;font-size:1.6rem}.result-status,.result-warning{padding:.8rem;background:rgba(255,255,255,.12);border-radius:var(--radius-sm);font-weight:750}.result-warning{background:#fff1cf;color:#6f3f00}.result-empty{color:#d8e7e4}.bar-chart{height:.7rem;margin:1rem 0;background:rgba(255,255,255,.18);border-radius:999px;overflow:hidden}.bar-chart span{display:block;height:100%;background:#fbbf24;border-radius:inherit}.table-wrap{max-height:20rem;margin-top:1rem;overflow:auto;border:1px solid rgba(255,255,255,.2);border-radius:var(--radius-sm)}.table-wrap table{width:100%;border-collapse:collapse;font-size:.8rem}.table-wrap th,.table-wrap td{padding:.55rem;white-space:nowrap;text-align:right;border-bottom:1px solid rgba(255,255,255,.15)}.table-wrap th:first-child{text-align:left}.quick-percentages{display:flex;flex-wrap:wrap;gap:.5rem}.quick-percentages button{padding:.45rem .75rem;background:var(--bg-tint);color:var(--primary);border:1px solid var(--border);border-radius:999px;font-weight:750}.education{max-width:58rem}.education section+section{margin-top:2.5rem}.education h2{font-size:1.8rem}.education h3{margin-top:1.5rem}.education details{padding:1rem 0;border-bottom:1px solid var(--border)}.education summary{color:var(--primary-dark);font-weight:750;cursor:pointer}.related-links{display:grid;grid-template-columns:repeat(3,1fr);gap:.75rem}.related-links a{padding:1rem;background:var(--bg-soft);border:1px solid var(--border);border-radius:var(--radius-sm);font-weight:700;text-decoration:none}.financial-note{padding:1.25rem;background:var(--accent-soft);border-left:4px solid var(--accent);border-radius:var(--radius-sm)}
@media(max-width:64rem){.calc-directory-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:48rem){.calc-layout{grid-template-columns:1fr}.results-panel{position:static}.directory-tools{grid-template-columns:1fr}.related-links{grid-template-columns:1fr 1fr}}
@media(max-width:35rem){.calc-directory-grid,.calc-form,.related-links{grid-template-columns:1fr}.form-actions .btn,.result-actions .btn{width:100%}}
@media print{.site-header,.site-footer,.breadcrumbs,.ad-slot,.calc-form,.education,.page-hero .eyebrow,.result-actions{display:none!important}.page-hero{padding:1rem 0}.calc-layout{display:block}.results-panel{background:#fff;color:#000;box-shadow:none;border:1px solid #bbb}.results-panel h2,.result-item span{color:#000}.table-wrap{max-height:none;border-color:#bbb}.table-wrap th,.table-wrap td{border-color:#ddd}}

/* Country directory and reusable country guide template */
.country-directory-tools{display:flex;gap:1rem;align-items:end;justify-content:space-between;margin-bottom:2rem;padding:1.25rem;background:#fff;border:1px solid var(--border);border-radius:var(--radius)}.country-search{width:min(100%,34rem)}.country-count{margin:0;color:var(--text-muted);font-weight:700}.country-directory-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1rem}.country-directory-card{display:flex;min-height:17rem;flex-direction:column}.country-directory-card .country-badge{margin-bottom:1rem}.country-directory-card h2{margin-bottom:.65rem;font-size:1.3rem}.country-directory-card p{margin-bottom:1.25rem}.country-directory-card .btn{align-self:flex-start;margin-top:auto}
.country-hero{padding:3.5rem 0;background:var(--bg-soft);border-bottom:1px solid var(--border)}.country-hero-grid{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(16rem,.8fr);gap:clamp(2rem,6vw,5rem);align-items:center}.country-hero h1{max-width:18ch;font-size:clamp(2.5rem,6vw,4rem)}.country-visual{position:relative;display:grid;min-height:17rem;place-items:center;overflow:hidden;background:var(--primary);border-radius:var(--radius-lg);box-shadow:var(--shadow)}.country-visual::before,.country-visual::after{content:"";position:absolute;border-radius:50%}.country-visual::before{width:15rem;height:15rem;right:-4rem;top:-5rem;background:rgba(255,255,255,.08)}.country-visual::after{width:9rem;height:9rem;left:-2rem;bottom:-3rem;background:var(--accent);opacity:.22}.country-visual-code{position:relative;z-index:1;display:grid;width:7.5rem;height:7.5rem;place-items:center;background:#fff;color:var(--primary);border:6px solid rgba(255,255,255,.35);border-radius:50%;font-size:2rem;font-weight:900;letter-spacing:.08em}.country-visual small{position:absolute;z-index:1;bottom:1.5rem;color:#d8e7e4;font-weight:700;letter-spacing:.08em;text-transform:uppercase}
.facts-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem}.fact-card{padding:1.15rem;background:#fff;border:1px solid var(--border);border-radius:var(--radius)}.fact-card dt{color:var(--text-muted);font-size:.8rem;font-weight:750;text-transform:uppercase;letter-spacing:.05em}.fact-card dd{margin:.3rem 0 0;color:var(--primary-dark);font-size:1.08rem;font-weight:800}.source-note{margin-top:1rem;color:var(--text-muted);font-size:.82rem}
.method-grid,.tips-grid,.guide-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem}.method-card,.tip-card,.guide-card{padding:1.25rem;background:#fff;border:1px solid var(--border);border-radius:var(--radius)}.method-card h3,.tip-card h3,.guide-card h3{margin-bottom:.55rem}.method-card p,.tip-card p,.guide-card p{margin:0;color:var(--text-muted)}.provider-info-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem}.provider-info-card{display:flex;min-height:12rem;flex-direction:column}.provider-info-card h3{margin:1rem 0 .5rem}.provider-info-card .coming{margin-top:auto}.country-faq{max-width:58rem}.country-faq details{padding:1rem 0;border-bottom:1px solid var(--border)}.country-faq summary{color:var(--primary-dark);font-weight:750;cursor:pointer}.country-nav{display:grid;grid-template-columns:1fr auto 1fr;gap:1rem;align-items:center;padding:1.25rem 0}.country-nav a{font-weight:750}.country-nav .next{text-align:right}.country-nav .directory-link{text-align:center}.availability-note{padding:1rem;background:var(--accent-soft);border-left:4px solid var(--accent);border-radius:var(--radius-sm);color:#694000}.guide-card .coming{margin-top:1rem}
@media(max-width:64rem){.country-directory-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.method-grid,.provider-info-grid,.tips-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:48rem){.country-hero-grid{grid-template-columns:1fr}.country-visual{min-height:13rem}.facts-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.guide-grid{grid-template-columns:1fr}.country-nav{grid-template-columns:1fr 1fr}.country-nav .directory-link{grid-column:1/-1;grid-row:1}.country-directory-tools{display:block}.country-count{margin-top:1rem}}
@media(max-width:35rem){.country-directory-grid,.facts-grid,.method-grid,.provider-info-grid,.tips-grid{grid-template-columns:1fr}.country-directory-card{min-height:0}.country-nav{display:block}.country-nav a{display:block;margin:.75rem 0;text-align:left!important}}

/* Provider directory and reusable provider review template */
.provider-directory-tools{display:grid;grid-template-columns:2fr 1fr auto;gap:1rem;align-items:end;margin-bottom:2rem;padding:1.25rem;background:#fff;border:1px solid var(--border);border-radius:var(--radius)}.provider-directory-count{margin:0 0 .75rem;color:var(--text-muted);font-weight:750;white-space:nowrap}.provider-directory-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem}.provider-directory-card{display:flex;min-height:22rem;flex-direction:column}.provider-wordmark{display:inline-flex;width:max-content;min-height:3rem;align-items:center;margin:1rem 0;padding:.5rem .9rem;background:var(--primary);color:#fff;border-radius:var(--radius-sm);font-size:1.15rem;font-weight:850;letter-spacing:-.02em}.provider-directory-card p{margin-bottom:1rem}.provider-directory-card dl{margin:0 0 1.25rem}.provider-directory-card dt{color:var(--text-muted);font-size:.75rem;font-weight:800;text-transform:uppercase}.provider-directory-card dd{margin:.2rem 0 .8rem}.provider-directory-card .btn{align-self:flex-start;margin-top:auto}.review-date{display:block;margin-top:.75rem;color:var(--text-muted);font-size:.78rem}.review-method-grid,.comparison-factor-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem}
.provider-hero{padding:3.5rem 0;background:var(--bg-soft);border-bottom:1px solid var(--border)}.provider-hero-grid{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(18rem,.8fr);gap:clamp(2rem,6vw,5rem);align-items:center}.provider-hero h1{max-width:19ch;font-size:clamp(2.4rem,5vw,3.8rem)}.provider-summary-card{padding:1.5rem;background:var(--primary);color:#fff;border-radius:var(--radius-lg);box-shadow:var(--shadow)}.provider-summary-card .provider-wordmark{margin:0 0 1rem;background:#fff;color:var(--primary)}.provider-summary-card p{color:#d8e7e4}.provider-summary-card small{color:#f5cf8e}
.key-info-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0 1.5rem;margin:0}.key-info-grid div{display:grid;grid-template-columns:minmax(8rem,.8fr) 1.2fr;gap:1rem;padding:.85rem 0;border-bottom:1px solid var(--border)}.key-info-grid dt{color:var(--text-muted);font-weight:700}.key-info-grid dd{margin:0;color:var(--primary-dark);font-weight:750}.review-content{max-width:61rem}.review-content>section+section{margin-top:3rem}.review-content h2{font-size:clamp(1.65rem,3vw,2.15rem)}.review-content h3{margin-top:1.5rem}.review-columns{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1rem}.review-card{padding:1.25rem;background:#fff;border:1px solid var(--border);border-radius:var(--radius)}.review-card p:last-child{margin-bottom:0}.balanced-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1rem}.balanced-card{padding:1.4rem;border:1px solid var(--border);border-radius:var(--radius)}.balanced-card.advantages{background:var(--bg-tint)}.balanced-card.considerations{background:var(--accent-soft)}.balanced-card ul{margin-bottom:0}.process-list{counter-reset:steps;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.75rem;margin:0;padding:0;list-style:none}.process-list li{position:relative;min-height:5rem;padding:1rem 1rem 1rem 3.5rem;background:var(--bg-soft);border:1px solid var(--border);border-radius:var(--radius-sm)}.process-list li::before{counter-increment:steps;content:counter(steps);position:absolute;left:1rem;top:1rem;display:grid;width:1.8rem;height:1.8rem;place-items:center;background:var(--primary);color:#fff;border-radius:50%;font-weight:850}.comparison-checklist{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.65rem;margin:0;padding:1.25rem;background:#fff;border:1px solid var(--border);border-radius:var(--radius);list-style:none}.comparison-checklist li{position:relative;padding-left:1.75rem}.comparison-checklist li::before{content:"□";position:absolute;left:0;color:var(--primary);font-size:1.2rem;font-weight:900}.provider-country-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:.75rem}.provider-country-grid a{padding:1rem;background:var(--bg-soft);border:1px solid var(--border);border-radius:var(--radius-sm);font-weight:750;text-decoration:none}.provider-faq details{padding:1rem 0;border-bottom:1px solid var(--border)}.provider-faq summary{color:var(--primary-dark);font-weight:750;cursor:pointer}.source-list{padding-left:1.25rem}.source-list li{margin:.6rem 0}.source-list a{overflow-wrap:anywhere}.provider-nav{display:grid;grid-template-columns:1fr auto 1fr;gap:1rem;align-items:center;padding:1.25rem 0}.provider-nav a{font-weight:750}.provider-nav .directory-link{text-align:center}.provider-nav .next{text-align:right}.comparison-upcoming{padding:1.25rem;background:var(--bg-soft);border:1px dashed var(--border);border-radius:var(--radius);text-align:center}.editorial-principles{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem}
@media(max-width:64rem){.provider-directory-grid,.review-method-grid,.comparison-factor-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.provider-country-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:48rem){.provider-directory-tools,.provider-hero-grid{grid-template-columns:1fr}.provider-directory-count{margin:0}.key-info-grid,.review-columns,.balanced-grid{grid-template-columns:1fr}.key-info-grid div{grid-template-columns:1fr}.process-list{grid-template-columns:1fr}.editorial-principles{grid-template-columns:1fr}.provider-nav{grid-template-columns:1fr 1fr}.provider-nav .directory-link{grid-column:1/-1;grid-row:1}}
@media(max-width:35rem){.provider-directory-grid,.review-method-grid,.comparison-factor-grid,.provider-country-grid,.comparison-checklist{grid-template-columns:1fr}.provider-directory-card{min-height:0}.provider-nav{display:block}.provider-nav a{display:block;margin:.75rem 0;text-align:left!important}}
@media print{.provider-checklist-section{break-inside:avoid}.comparison-checklist{grid-template-columns:1fr 1fr}.comparison-checklist li{color:#000}.provider-nav,.comparison-upcoming{display:none!important}}

/* Provider comparison center and reusable comparison template */
.comparison-directory-tools{display:grid;grid-template-columns:minmax(16rem,1fr) minmax(0,2fr) auto;gap:1.25rem;align-items:end;margin-bottom:2rem;padding:1.25rem;background:#fff;border:1px solid var(--border);border-radius:var(--radius)}.comparison-directory-tools fieldset{min-width:0;margin:0;padding:0;border:0}.comparison-directory-tools legend{margin-bottom:.4rem;color:var(--primary-dark);font-weight:750}.comparison-directory-tools>p{margin:0 0 .7rem;color:var(--text-muted);font-weight:750;white-space:nowrap}.comparison-filter-buttons{display:flex;flex-wrap:wrap;gap:.5rem}.comparison-filter-buttons button{min-height:2.5rem;padding:.5rem .8rem;background:#fff;color:var(--primary);border:1px solid var(--border);border-radius:999px;font-weight:750}.comparison-filter-buttons button[aria-pressed=true]{background:var(--primary);color:#fff;border-color:var(--primary)}.comparison-directory-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem}.comparison-directory-card{display:flex;min-height:25rem;flex-direction:column}.comparison-directory-card h2{margin:1rem 0 .7rem;font-size:1.35rem}.comparison-directory-card ul{margin:0 0 1.25rem;padding-left:1.2rem}.comparison-directory-card .btn{align-self:flex-start;margin-top:auto}.provider-compare-link{align-self:center;font-weight:800;white-space:nowrap}
.comparison-hero{padding:3.5rem 0;background:var(--bg-soft);border-bottom:1px solid var(--border)}.comparison-hero h1{max-width:22ch;font-size:clamp(2.4rem,5vw,3.8rem)}.comparison-disclaimer{max-width:61rem;margin-top:1.5rem;padding:1.1rem 1.25rem;background:var(--accent-soft);border-left:4px solid var(--accent);border-radius:var(--radius-sm)}.comparison-disclaimer p{margin:.3rem 0 0}.comparison-table-wrap{max-width:100%;overflow-x:auto;border:1px solid var(--border);border-radius:var(--radius)}.comparison-table-wrap:focus-visible{outline:3px solid #f59e0b;outline-offset:3px}.comparison-table-wrap table{width:100%;min-width:46rem;border-collapse:collapse;background:#fff}.comparison-table-wrap caption{padding:1rem;text-align:left;color:var(--text-muted);font-size:.85rem}.comparison-table-wrap th,.comparison-table-wrap td{padding:.8rem 1rem;vertical-align:top;text-align:left;border-top:1px solid var(--border)}.comparison-table-wrap thead th{background:var(--primary);color:#fff;border-top:0}.comparison-table-wrap tbody th{width:28%;color:var(--primary-dark);background:var(--bg-soft)}.provider-review-link{font-weight:800;text-decoration:none}.print-checklist{margin-top:1.25rem}
@media(max-width:64rem){.comparison-directory-tools{grid-template-columns:1fr 1fr}.comparison-directory-tools>p{grid-column:1/-1}.comparison-directory-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:48rem){.comparison-directory-tools{grid-template-columns:1fr}.comparison-directory-tools>p{grid-column:auto}.comparison-directory-card{min-height:0}.provider-compare-link{margin-top:1rem}.section-head{align-items:start;flex-direction:column}}
@media(max-width:35rem){.comparison-directory-grid{grid-template-columns:1fr}.comparison-filter-buttons button{width:100%}.comparison-table-wrap table{min-width:40rem}}
@media print{.comparison-hero,.comparison-table-wrap,.review-content>section:not(.comparison-checklist-section),.provider-nav,.site-header,.site-footer,.ad-slot{display:none!important}.comparison-checklist-section{display:block!important}.comparison-checklist{grid-template-columns:1fr 1fr}.print-checklist{display:none!important}}

/* Financial learning center and reusable article template */
.learning-directory-tools{display:grid;grid-template-columns:minmax(16rem,1fr) minmax(0,2fr) auto;gap:1.25rem;align-items:end;margin-bottom:2rem;padding:1.25rem;background:#fff;border:1px solid var(--border);border-radius:var(--radius)}.learning-directory-tools fieldset{min-width:0;margin:0;padding:0;border:0}.learning-directory-tools legend{margin-bottom:.4rem;color:var(--primary-dark);font-weight:750}.learning-directory-tools>p{margin:0 0 .7rem;color:var(--text-muted);font-weight:750;white-space:nowrap}.learning-filter-buttons{display:flex;flex-wrap:wrap;gap:.5rem}.learning-filter-buttons button{min-height:2.5rem;padding:.5rem .8rem;background:#fff;color:var(--primary);border:1px solid var(--border);border-radius:999px;font-weight:750}.learning-filter-buttons button[aria-pressed=true]{background:var(--primary);color:#fff;border-color:var(--primary)}.featured-guide-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem}.featured-guide{display:flex;min-height:18rem;flex-direction:column;background:var(--primary);color:#fff}.featured-guide h2{margin:1rem 0 .7rem;color:#fff;font-size:1.45rem}.featured-guide p{color:#d8e7e4}.featured-guide .btn{align-self:flex-start;margin-top:auto;background:#fff;color:var(--primary)}.learning-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1rem}.learning-card{display:flex;min-height:20rem;flex-direction:column}.learning-card h2{margin:1rem 0 .7rem;font-size:1.25rem}.learning-card p{margin-bottom:1rem}.learning-card-meta{display:flex;flex-wrap:wrap;gap:.5rem;margin-top:auto;color:var(--text-muted);font-size:.78rem}.learning-card .btn{align-self:flex-start;margin-top:1rem}.learning-path-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem}.learning-path-card{padding:1.3rem;background:#fff;border:1px solid var(--border);border-radius:var(--radius)}.learning-path-card ol{margin-bottom:0;padding-left:1.25rem}
.article-hero{padding:3.5rem 0 2.75rem;background:var(--bg-soft);border-bottom:1px solid var(--border)}.article-hero h1{max-width:24ch;font-size:clamp(2.35rem,5vw,3.75rem)}.article-layout{display:grid;grid-template-columns:minmax(0,1fr) minmax(14rem,18rem);gap:clamp(2rem,5vw,4rem);align-items:start}.article-content{max-width:48rem}.article-content>section+section{margin-top:3rem}.article-content h2{font-size:clamp(1.65rem,3vw,2.15rem)}.article-content h3{margin-top:1.5rem}.article-sidebar{position:sticky;top:6rem}.article-sidebar nav{padding:1.1rem;background:var(--bg-soft);border:1px solid var(--border);border-radius:var(--radius)}.article-sidebar h2{font-size:1rem}.article-sidebar ul{margin:0;padding-left:1.2rem}.article-sidebar li{margin:.55rem 0}.key-takeaways{padding:1.4rem;background:var(--bg-tint);border-left:4px solid var(--secondary);border-radius:var(--radius)}.key-takeaways h2{font-size:1.35rem}.key-takeaways ul{margin-bottom:0}.practical-example{padding:1.4rem;background:var(--accent-soft);border:1px solid #efd3a4;border-radius:var(--radius)}.practical-example h2{font-size:1.5rem}.article-checklist{margin:0;padding:1.25rem;background:#fff;border:1px solid var(--border);border-radius:var(--radius);list-style:none}.article-checklist li{position:relative;padding:.45rem 0 .45rem 1.8rem}.article-checklist li::before{content:"□";position:absolute;left:0;color:var(--primary);font-size:1.2rem;font-weight:900}.common-mistakes{padding:1.25rem;background:#fff8eb;border-left:4px solid var(--accent);border-radius:var(--radius-sm)}.article-faq details{padding:1rem 0;border-bottom:1px solid var(--border)}.article-faq summary{color:var(--primary-dark);font-weight:750;cursor:pointer}.article-nav{display:grid;grid-template-columns:1fr auto 1fr;gap:1rem;align-items:center;padding:1.25rem 0}.article-nav a{font-weight:750}.article-nav .directory-link{text-align:center}.article-nav .next{text-align:right}.learning-links{padding:1.25rem;background:var(--bg-soft);border:1px solid var(--border);border-radius:var(--radius)}.learning-links h2{font-size:1.45rem}.learning-links .related-links{margin-top:1rem}
@media(max-width:64rem){.learning-directory-tools{grid-template-columns:1fr 1fr}.learning-directory-tools>p{grid-column:1/-1}.learning-grid{grid-template-columns:repeat(3,minmax(0,1fr))}.article-layout{grid-template-columns:minmax(0,1fr) 14rem}}
@media(max-width:48rem){.learning-directory-tools,.article-layout{grid-template-columns:1fr}.learning-directory-tools>p{grid-column:auto}.featured-guide-grid,.learning-path-grid{grid-template-columns:1fr}.learning-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.article-sidebar{position:static}.article-sidebar nav{display:none}.article-nav{grid-template-columns:1fr 1fr}.article-nav .directory-link{grid-column:1/-1;grid-row:1}}
@media(max-width:35rem){.learning-grid{grid-template-columns:1fr}.learning-card{min-height:0}.learning-filter-buttons button{width:100%}.article-nav{display:block}.article-nav a{display:block;margin:.75rem 0;text-align:left!important}}
@media print{.article-hero,.article-sidebar,.article-content>section:not(.article-checklist-section),.article-nav,.site-header,.site-footer,.ad-slot{display:none!important}.article-layout{display:block}.article-checklist-section{display:block!important}.article-checklist{border:0}.article-checklist li{color:#000}.print-checklist{display:none!important}}

/* Trust, legal, and error pages */
.legal-layout{display:grid;grid-template-columns:minmax(0,1fr) minmax(14rem,18rem);gap:clamp(2rem,5vw,4rem);align-items:start}.legal-content{max-width:50rem}.legal-content section+section{margin-top:2.75rem}.legal-content h2{font-size:clamp(1.55rem,3vw,2rem)}.legal-sidebar{position:sticky;top:6rem;padding:1.25rem;background:var(--bg-soft);border:1px solid var(--border);border-radius:var(--radius)}.legal-sidebar h2{font-size:1.2rem}.legal-sidebar ul{margin-bottom:0;padding-left:1.2rem}.legal-sidebar li{margin:.55rem 0}.error-page{display:grid;min-height:65vh;align-items:center;padding-block:var(--space-8);background:var(--bg-soft)}.error-card{max-width:50rem;text-align:center}.error-card h1{max-width:none}.error-card p{max-width:38rem;margin-inline:auto;color:var(--text-muted);font-size:1.1rem}.error-card .button-row{justify-content:center}.site-footer .footer-grid{grid-template-columns:1.45fr repeat(3,minmax(0,1fr))}.site-footer .footer-grid>div:last-child{grid-column:auto}
@media(max-width:48rem){.legal-layout{grid-template-columns:1fr}.legal-sidebar{position:static}.site-footer .footer-grid{grid-template-columns:1fr 1fr}.site-footer .footer-brand{grid-column:1/-1}}
@media(max-width:35rem){.site-footer .footer-grid{grid-template-columns:1fr}.site-footer .footer-brand{grid-column:auto}.error-card .button-row .btn{width:100%}}