.editorial-hero{background:#fff;padding:38px 0 18px}.editorial-container{max-width:1040px}.breadcrumbs{display:flex;flex-wrap:wrap;gap:8px;color:#7b8494;font-size:.78rem;margin-bottom:20px}.breadcrumbs a{color:var(--accent);text-decoration:none}.editorial-hero h1{font-family:var(--font-heading);font-size:clamp(2.1rem,5vw,4.15rem);line-height:1.07;letter-spacing:-.045em;max-width:920px;color:#111827;margin:0 0 18px}.article-meta{display:flex;flex-wrap:wrap;gap:16px;color:#7b8494;font-size:.82rem;margin-bottom:24px}.article-meta span{display:inline-flex;align-items:center;gap:6px}.editorial-cover{margin:0}.editorial-cover img{width:100%;display:block;border-radius:16px;aspect-ratio:16/5;object-fit:cover;box-shadow:0 12px 35px rgba(15,23,42,.12)}.editorial-cover figcaption{font-size:.78rem;color:#7b8494;margin:10px auto 0;max-width:930px}.article-shell{max-width:860px;margin:0 auto}.editorial-article{font-size:1.05rem;line-height:1.86;color:#273142}.editorial-article .article-intro{font-size:1.16rem;line-height:1.75;color:#1f2937;margin-bottom:34px}.editorial-article p{margin-bottom:22px}.editorial-article h2{font-family:var(--font-heading);font-size:clamp(1.55rem,3vw,2.2rem);line-height:1.2;color:#111827;margin:46px 0 16px;letter-spacing:-.02em}.quote-card{margin:34px 0;padding:30px 32px;background:#f3f8ff;border:1px solid #b9d4ff;border-left:5px solid var(--accent);color:#16233a;border-radius:14px;font-family:var(--font-heading);font-size:1.23rem;line-height:1.55}.quote-card span{display:block;color:#4976c7;font-family:var(--font-body);font-size:.85rem;margin-top:14px}.bill-breakdown{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:30px 0}.bill-item{padding:22px;background:#f8fafc;border:1px solid #dbe4ef;border-radius:14px}.bill-item strong{display:block;font-family:var(--font-heading);font-size:1.45rem;color:var(--accent);margin:6px 0}.bill-item span{font-size:.82rem;color:#64748b}.check-list{display:grid;gap:12px;margin:26px 0 32px;list-style:none;padding:0}.check-list li{display:flex;gap:13px;align-items:flex-start;padding:16px 17px;background:#f5f9ff;border:1px solid #cfe0f7;border-radius:12px}.check-list .material-symbols-outlined{color:var(--accent)}.fact-box{display:flex;gap:16px;align-items:flex-start;padding:22px 24px;background:#fff8e6;border:1px solid #f3d38b;border-radius:14px;margin:30px 0}.fact-box .material-symbols-outlined{color:#d97706}.fact-box p{margin:5px 0 0}.bridge-card{margin-top:36px;padding:30px;border:1px solid rgba(37,99,235,.35);background:linear-gradient(135deg,rgba(37,99,235,.08),rgba(6,182,212,.06));border-radius:18px}.bridge-card h3{font-family:var(--font-heading);font-size:1.45rem;margin:0 0 10px}.bridge-card p{margin:0}.offer-strip{display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center;background:#0f1d32;border:1px solid #203553;padding:28px;border-radius:18px;color:#fff;margin-top:36px}.offer-strip p{color:#aebbd0;margin:6px 0 0}.show-form-note{display:flex;gap:10px;align-items:center;margin-top:14px;color:var(--text-muted);font-size:.82rem}.show-form-note .material-symbols-outlined{color:var(--success)}
@media(max-width:900px){.editorial-container{max-width:760px}.bill-breakdown{grid-template-columns:1fr}.offer-strip{grid-template-columns:1fr}.editorial-cover img{aspect-ratio:16/7}}
@media(max-width:640px){.editorial-hero{padding-top:26px}.editorial-hero h1{font-size:2.25rem}.article-meta{gap:10px}.editorial-cover img{aspect-ratio:4/3}.quote-card{padding:22px}.editorial-article{font-size:1rem}.editorial-article .article-intro{font-size:1.08rem}.offer-strip .btn{width:100%}}

/* v2: sticky article navigation and interactive hover feedback */
.article-layout-container{max-width:1240px}
.article-layout{display:grid;grid-template-columns:minmax(250px,310px) minmax(0,860px);gap:54px;align-items:start;justify-content:center}
.article-sidebar{position:sticky;top:112px;align-self:start;display:grid;gap:28px;max-height:calc(100vh - 132px);overflow:auto;padding:2px 8px 8px 2px;scrollbar-width:thin}
.article-toc,.article-facts{background:#fff;border:1px solid #d5e0ee;border-radius:20px;padding:28px 30px;box-shadow:0 8px 28px rgba(15,29,50,.04)}
.article-toc h2,.article-facts h2{font-family:var(--font-heading);font-size:1.35rem;line-height:1.2;margin:0 0 20px;color:#111827}
.article-toc a{display:block;color:#1764eb;text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:3px;padding:10px 0;border-bottom:1px solid #e2e8f0;line-height:1.35;transition:color .2s ease,transform .2s ease}
.article-toc a:last-child{border-bottom:0}
.article-toc a:hover{color:#0c4bc7;transform:translateX(4px)}
.article-fact{padding:18px 0;border-bottom:1px solid #e2e8f0}
.article-fact:last-child{border-bottom:0;padding-bottom:0}
.article-fact:first-of-type{padding-top:4px}
.article-fact strong{display:block;font-family:var(--font-heading);font-size:1.45rem;color:#0f172a;margin-bottom:4px}
.article-fact span{display:block;color:#64748b;line-height:1.45}
.editorial-article h2[id]{scroll-margin-top:120px}

/* Lift / floating effect for blue interactive elements */
.btn-primary,.section-tag,.back-to-top{transition:transform .24s ease,box-shadow .24s ease,filter .24s ease}
.btn-primary:hover,.section-tag:hover,.back-to-top:hover{transform:translateY(-5px);box-shadow:0 16px 30px rgba(37,99,235,.28);filter:brightness(1.04)}
.quiz-option{transition:transform .22s ease,box-shadow .22s ease,border-color .22s ease,background-color .22s ease}
.quiz-option:hover{transform:translateY(-4px);box-shadow:0 12px 24px rgba(37,99,235,.16)}
.offer-strip .btn-primary:hover,.section-cta .btn-primary:hover{box-shadow:0 18px 36px rgba(6,182,212,.3)}

@media(max-width:1050px){
  .article-layout{grid-template-columns:240px minmax(0,1fr);gap:30px}
  .article-toc,.article-facts{padding:22px}
}
@media(max-width:820px){
  .article-layout{grid-template-columns:1fr}
  .article-sidebar{position:relative;top:auto;max-height:none;overflow:visible;grid-template-columns:1fr 1fr;order:0}
  .article-shell{order:1}
}
@media(max-width:580px){
  .article-sidebar{grid-template-columns:1fr}
  .article-toc,.article-facts{padding:22px 20px}
}

/* v3: balanced desktop typography and navigation proportions */
@media (min-width: 821px) {
  .header { padding: 13px 0; }
  .header .container { max-width: 1180px; }
  .header-inner { min-height: 56px; }
  .logo a { gap: 11px; }
  .logo img { width: 46px; height: 46px; }
  .logo span { font-size: 1.42rem; letter-spacing: -.035em; }
  .main-nav { gap: 7px; }
  .main-nav a { font-size: .88rem; padding: 10px 13px; border-radius: 9px; }

  .article-layout-container { max-width: 1160px; }
  .article-layout { grid-template-columns: 270px minmax(0, 790px); gap: 44px; }
  .article-sidebar { top: 98px; max-height: calc(100vh - 118px); gap: 18px; padding-right: 4px; }
  .article-toc, .article-facts { border-radius: 16px; padding: 23px 24px; }
  .article-toc h2, .article-facts h2 { font-size: 1.18rem; margin-bottom: 14px; }
  .article-toc a { font-size: .9rem; padding: 8px 0; line-height: 1.28; }
  .article-fact { padding: 14px 0; }
  .article-fact strong { font-size: 1.16rem; }
  .article-fact span { font-size: .82rem; }

  .article-shell { max-width: 790px; }
  .editorial-article { font-size: 1.02rem; line-height: 1.76; }
  .editorial-article .article-intro { font-size: 1.12rem; line-height: 1.68; }
  .editorial-article h2 { font-size: clamp(1.55rem, 2.25vw, 1.92rem); margin-top: 39px; }
}

@media (min-width: 1180px) {
  .main-nav a { font-size: .91rem; padding-inline: 14px; }
  .editorial-article { font-size: 1.04rem; }
}

/* v4: exact editorial proportions from the approved reference */
@media (min-width: 821px) {
  .article-layout-container {
    max-width: 1040px;
    padding-left: 24px;
    padding-right: 24px;
  }

  .article-layout {
    grid-template-columns: minmax(0, 650px) 250px;
    gap: 38px;
    justify-content: center;
    align-items: start;
  }

  .article-shell {
    grid-column: 1;
    grid-row: 1;
    max-width: 650px;
    min-width: 0;
  }

  .article-sidebar {
    grid-column: 2;
    grid-row: 1;
    width: 250px;
    top: 104px;
    gap: 16px;
    padding: 0;
    max-height: calc(100vh - 124px);
  }

  .article-toc,
  .article-facts {
    padding: 20px 19px;
    border-radius: 13px;
    box-shadow: none;
  }

  .article-toc h2,
  .article-facts h2 {
    font-size: 1rem;
    margin-bottom: 12px;
  }

  .article-toc a {
    font-size: .79rem;
    line-height: 1.22;
    padding: 6px 0;
    text-underline-offset: 2px;
  }

  .article-fact {
    padding: 11px 0;
  }

  .article-fact strong {
    font-size: 1rem;
    line-height: 1.2;
  }

  .article-fact span {
    font-size: .72rem;
    line-height: 1.35;
  }

  .editorial-article {
    font-size: .98rem;
    line-height: 1.72;
  }

  .editorial-article .article-intro {
    font-size: 1.04rem;
    line-height: 1.65;
    margin-bottom: 30px;
  }

  .editorial-article h2 {
    font-size: 1.72rem;
    line-height: 1.2;
    margin: 35px 0 13px;
  }
}

/* Consistent lift effect for all highlighted editorial cards */
.quote-card,
.bill-item,
.check-list li,
.fact-box,
.bridge-card {
  transition: transform .24s ease, box-shadow .24s ease, border-color .24s ease, background-color .24s ease;
  will-change: transform;
}

.quote-card:hover,
.bill-item:hover,
.check-list li:hover,
.fact-box:hover,
.bridge-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 18px 38px rgba(37, 99, 235, .14);
  border-color: rgba(37, 99, 235, .48);
}

.quote-card:hover,
.bridge-card:hover {
  background-color: #f0f6ff;
}

.fact-box:hover {
  box-shadow: 0 18px 38px rgba(217, 119, 6, .14);
  border-color: rgba(217, 119, 6, .48);
}

@media (prefers-reduced-motion: reduce) {
  .quote-card,
  .bill-item,
  .check-list li,
  .fact-box,
  .bridge-card {
    transition: none;
  }
  .quote-card:hover,
  .bill-item:hover,
  .check-list li:hover,
  .fact-box:hover,
  .bridge-card:hover {
    transform: none;
  }
}


/* v5: clear advertising disclosure for the sponsored editorial block */
.ad-disclosure-outer{
  width:max-content;
  max-width:100%;
  margin:0 auto 22px;
  padding:9px 16px;
  border-radius:8px;
  background:linear-gradient(135deg,var(--accent),var(--accent-cyan));
  color:#fff;
  font-family:var(--font-heading);
  font-size:.76rem;
  font-weight:700;
  line-height:1;
  letter-spacing:.08em;
  text-transform:uppercase;
  box-shadow:0 8px 22px rgba(37,99,235,.2);
}
.editorial-cover{
  position:relative;
}
.ad-disclosure-inner{
  position:absolute;
  z-index:2;
  top:18px;
  left:18px;
  padding:10px 15px;
  border-radius:8px;
  background:linear-gradient(135deg,var(--accent),var(--accent-cyan));
  color:#fff;
  font-family:var(--font-heading);
  font-size:.78rem;
  font-weight:700;
  line-height:1;
  letter-spacing:.08em;
  text-transform:uppercase;
  box-shadow:0 8px 22px rgba(15,23,42,.22);
  pointer-events:none;
}
@media(max-width:640px){
  .ad-disclosure-outer{margin-bottom:18px;font-size:.68rem;padding:8px 12px}
  .ad-disclosure-inner{top:12px;left:12px;font-size:.68rem;padding:8px 11px}
}