*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
  :root {
    --bg: #F7F6F2; --surface: #FFFFFF; --surface2: #F0EFE9;
    --text: #1A1916; --muted: #6B6860; --accent: #1B4FD8;
    --accent2: #1440B3; --accent-light: #EFF4FF;
    --green: #047857; --green-light: #ECFDF5;
    --gold: #92400E; --gold-light: #FEF3C7;
    --red: #DC2626; --red-light: #FEF2F2;
    --border: #E5E3DC;
  }
  body { font-family: 'Inter', sans-serif; background: var(--bg); color: var(--text); min-height: 100vh; display: flex; flex-direction: column; line-height: 1.6; }
  header { background: var(--surface); border-bottom: 1px solid var(--border); padding: 0 2rem; height: 60px; display: flex; align-items: center; justify-content: space-between; position: sticky; top: 0; z-index: 100; box-shadow: 0 1px 3px rgba(0,0,0,0.04); }
  .logo { font-family: 'Playfair Display', serif; font-size: 22px; color: var(--accent); text-decoration: none; letter-spacing: -0.5px; }
  .logo em { font-style: italic; }
  .nav-links { display: flex; gap: 1.25rem; align-items: center; }
  .nav-links a { font-size: 13px; text-decoration: none; color: var(--muted); font-weight: 500; }
  .nav-links a:hover { color: var(--accent); }
  @media (max-width: 520px) { .nav-links a:not(.nav-home) { display: none; } }
  .ad-banner { background: #f5f5f5; border-bottom: 1px solid var(--border); text-align: center; padding: 10px; }
  .ad-label { font-size: 9px; color: var(--muted); text-transform: uppercase; letter-spacing: 1px; margin-bottom: 3px; }
  .ad-placeholder { height: 90px; display: flex; align-items: center; justify-content: center; color: #ccc; font-size: 12px; border: 1px dashed #ddd; border-radius: 4px; margin: 0 auto; max-width: 728px; }
  .hero-banner { background: linear-gradient(135deg, rgba(27,64,179,0.95), rgba(20,64,179,0.88)), url('https://images.unsplash.com/photo-1556742502-ec7c0e9f34b1?w=1000&q=72&fit=crop&auto=format') center/cover no-repeat; padding: 3rem 2rem; text-align: center; color: white; }
  .hero-eyebrow { font-size: 11px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.15em; color: rgba(255,255,255,0.7); margin-bottom: 0.75rem; }
  .hero-banner h1 { font-family: 'Playfair Display', serif; font-size: clamp(1.8rem, 5vw, 3rem); font-weight: 700; line-height: 1.15; margin-bottom: 0.75rem; }
  .hero-banner h1 em { font-style: italic; }
  .hero-banner p { font-size: 15px; color: rgba(255,255,255,0.82); font-weight: 300; max-width: 500px; margin: 0 auto; }
  main { flex: 1; max-width: 720px; margin: 0 auto; width: 100%; padding: 2.5rem 1.5rem; }
  .prose h2 { font-family: 'Playfair Display', serif; font-size: 1.6rem; font-weight: 400; margin: 2rem 0 0.75rem; }
  .prose h3 { font-size: 1rem; font-weight: 600; margin: 1.5rem 0 0.5rem; }
  .prose p { font-size: 15px; color: #2C2B28; margin-bottom: 1rem; line-height: 1.75; }
  .prose ul { margin: 0.5rem 0 1rem 1.25rem; }
  .prose ul li { font-size: 15px; color: #2C2B28; margin-bottom: 0.4rem; line-height: 1.6; }
  .prose strong { font-weight: 600; color: var(--text); }
  .prose a { color: var(--accent); text-decoration: underline; text-underline-offset: 2px; }
  .prose a:hover { color: var(--accent2); }
  .answer-box { background: var(--accent-light); border-left: 4px solid var(--accent); border-radius: 0 12px 12px 0; padding: 1.25rem 1.5rem; margin-bottom: 2rem; }
  .answer-box .answer-label { font-size: 10px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.1em; color: var(--accent); margin-bottom: 0.4rem; }
  .answer-box p { font-size: 15px; color: var(--text); margin: 0; line-height: 1.6; font-weight: 500; }
  .vs-table-wrap { background: var(--surface); border: 1px solid var(--border); border-radius: 16px; overflow: hidden; margin: 1.5rem 0; }
  .vs-table-wrap h3 { font-size: 12px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.08em; color: var(--muted); padding: 1rem 1.25rem 0.75rem; border-bottom: 1px solid var(--border); }
  .vs-table { width: 100%; border-collapse: collapse; font-size: 13px; }
  .vs-table th { text-align: left; padding: 0.6rem 1rem; background: var(--surface2); font-size: 11px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.06em; color: var(--muted); }
  .vs-table td { padding: 0.7rem 1rem; border-bottom: 1px solid var(--border); }
  .vs-table tr:last-child td { border-bottom: none; }
  .vs-table td.hi { font-family: 'Playfair Display', serif; font-size: 14px; font-weight: 700; color: var(--green); }
  @media (max-width: 520px) { .vs-table { font-size: 12px; } .vs-table td, .vs-table th { padding: 0.5rem 0.6rem; } }
  .scenario-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin: 1.5rem 0; }
  @media (max-width: 520px) { .scenario-grid { grid-template-columns: 1fr; } }
  .scenario-card { border-radius: 14px; padding: 1.25rem; }
  .scenario-card.loan { background: var(--accent-light); border: 1px solid rgba(27,79,216,0.2); }
  .scenario-card.card { background: var(--gold-light); border: 1px solid rgba(217,119,6,0.2); }
  .scenario-title { font-size: 13px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.06em; margin-bottom: 0.75rem; }
  .scenario-card.loan .scenario-title { color: var(--accent); }
  .scenario-card.card .scenario-title { color: var(--gold); }
  .scenario-list { list-style: none; padding: 0; margin: 0; }
  .scenario-list li { font-size: 13px; color: var(--text); padding: 0.3rem 0; padding-left: 1.25rem; position: relative; line-height: 1.5; }
  .scenario-list li::before { content: '✓'; position: absolute; left: 0; font-weight: 700; }
  .scenario-card.loan .scenario-list li::before { color: var(--accent); }
  .scenario-card.card .scenario-list li::before { color: var(--gold); }
  .cta-box { background: linear-gradient(135deg, #1440B3, #1B4FD8); border-radius: 20px; padding: 2rem; text-align: center; color: white; margin: 2rem 0; }
  .cta-box h3 { font-family: 'Playfair Display', serif; font-size: 1.4rem; margin-bottom: 0.5rem; }
  .cta-box p { font-size: 13px; opacity: 0.82; margin-bottom: 1.25rem; line-height: 1.5; max-width: 420px; margin-left: auto; margin-right: auto; }
  .cta-btn-primary { display: inline-block; background: white; color: var(--accent2); padding: 0.75rem 1.5rem; border-radius: 10px; font-weight: 600; font-size: 14px; text-decoration: none; margin: 0.25rem; }
  .affiliate-box { background: var(--green-light); border: 1px solid rgba(5,150,105,0.25); border-radius: 16px; padding: 1.5rem; margin: 2rem 0; text-align: center; }
  .affiliate-box h3 { font-size: 15px; font-weight: 600; color: var(--green); margin-bottom: 0.4rem; }
  .affiliate-box p { font-size: 13px; color: var(--muted); margin-bottom: 1rem; line-height: 1.5; }
  .affiliate-btn { display: inline-block; background: var(--green); color: white; padding: 0.75rem 1.75rem; border-radius: 10px; font-weight: 600; font-size: 14px; text-decoration: none; }
  .related-calcs { background: var(--surface); border: 1px solid var(--border); border-radius: 16px; padding: 1.25rem 1.5rem; margin: 2rem 0; }
  .related-calcs h3 { font-size: 12px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.08em; color: var(--muted); margin-bottom: 1rem; }
  .related-calcs-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(160px, 1fr)); gap: 0.75rem; }
  .related-calc-link { display: flex; align-items: center; gap: 0.5rem; background: var(--accent-light); border: 1px solid rgba(27,79,216,0.15); border-radius: 10px; padding: 0.65rem 0.9rem; text-decoration: none; color: var(--accent); font-size: 13px; font-weight: 500; }
  .related-calc-link:hover { background: rgba(27,79,216,0.12); }
  .related-calc-link .icon { font-size: 15px; }
  .ad-block { background: #f9f9f9; border: 1px dashed #ddd; border-radius: 12px; padding: 1rem; text-align: center; font-size: 11px; color: var(--muted); margin: 1.5rem 0; min-height: 260px; display: flex; flex-direction: column; align-items: center; justify-content: center; }
  .faq { margin: 2rem 0; }
  .faq h2 { font-family: 'Playfair Display', serif; font-size: 1.75rem; font-weight: 400; margin-bottom: 1rem; }
  .faq-item { border-bottom: 1px solid var(--border); padding: 1rem 0; }
  .faq-item h3 { font-size: 14px; font-weight: 600; margin-bottom: 0.4rem; }
  .faq-item p { font-size: 13px; color: var(--muted); line-height: 1.6; margin: 0; }
  .faq-item p a { color: var(--accent); text-decoration: underline; text-underline-offset: 2px; }
  footer { background: var(--surface); border-top: 1px solid var(--border); padding: 1.5rem 2rem; text-align: center; font-size: 12px; color: var(--muted); }
  footer a { color: var(--accent); text-decoration: underline; }