/* ==========================================================================
   Interest Calculator Hub — design system & layout
   1. Tokens (light / dark)   2. Base   3. Layout   4. Header & nav
   5. Buttons & forms         6. Home   7. Cards    8. Calculator
   9. Content & articles     10. Ads   11. Footer   12. Utilities
   ========================================================================== */

/* 1. Tokens ------------------------------------------------------------- */
:root {
	--navy-900: #0d1b33;
	--navy-800: #14284b;
	--navy-700: #1d3766;
	--blue-600: #2f5aa8;
	--blue-100: #e7eef9;
	--green-700: #0f6b42;
	--green-600: #13804f;
	--green-100: #e3f4eb;

	--bg: #ffffff;
	--bg-soft: #f4f7fb;
	--surface: #ffffff;
	--surface-2: #f8fafc;
	--border: #dde3ec;
	--border-strong: #c3ccd9;
	--text: #1c2433;
	--text-2: #4a5568;
	--text-3: #66768c;
	--primary: var(--navy-800);
	--primary-hover: var(--navy-700);
	--on-primary: #ffffff;
	--accent: var(--green-600);
	--accent-text: var(--green-700);
	--accent-soft: var(--green-100);
	--link: var(--blue-600);
	--focus: #2f5aa8;
	--danger: #b42318;
	--danger-soft: #fdecea;

	/* Chart series (validated: CVD-safe, ≥3:1 vs surface) */
	--series-base: #2f5aa8;
	--series-interest: #1f9d63;
	--chart-grid: #e6eaf0;
	--chart-axis: #66768c;

	--radius-sm: 8px;
	--radius: 12px;
	--radius-lg: 18px;
	--shadow-sm: 0 1px 2px rgba(16, 24, 40, .06);
	--shadow: 0 1px 3px rgba(16, 24, 40, .06), 0 6px 16px -4px rgba(16, 24, 40, .08);
	--shadow-lg: 0 2px 6px rgba(16, 24, 40, .05), 0 18px 40px -12px rgba(16, 24, 40, .16);

	--font: ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, "Noto Sans", sans-serif;
	--font-mono: ui-monospace, SFMono-Regular, Menlo, Consolas, "Liberation Mono", monospace;
	--fs-xs: .8125rem;
	--fs-sm: .9375rem;
	--fs-base: 1.0625rem;
	--fs-lg: 1.25rem;
	--fs-xl: clamp(1.4rem, 1.1rem + 1vw, 1.75rem);
	--fs-2xl: clamp(1.75rem, 1.3rem + 1.8vw, 2.5rem);
	--fs-3xl: clamp(2.1rem, 1.4rem + 3vw, 3.4rem);

	--space-1: 4px; --space-2: 8px; --space-3: 12px; --space-4: 16px;
	--space-5: 24px; --space-6: 32px; --space-7: 48px; --space-8: 72px;
	--container: 1180px;
	--header-h: 68px;
	color-scheme: light;
}

@media (prefers-color-scheme: dark) {
	:root:not([data-theme="light"]) {
		--bg: #0b1220; --bg-soft: #0f172a; --surface: #111a2e; --surface-2: #16213a;
		--border: #24314d; --border-strong: #34446a;
		--text: #e6ebf3; --text-2: #b4bfd1; --text-3: #8d9ab0;
		--primary: #7ea6ef; --primary-hover: #a3c0f5; --on-primary: #0b1220;
		--accent: #3fbf86; --accent-text: #5fd39d; --accent-soft: #10291f;
		--link: #8fb3f2; --focus: #8fb3f2; --danger: #ff8a80; --danger-soft: #3a1714;
		--blue-100: #16264a; --green-100: #10291f;
		--series-base: #5b87d6; --series-interest: #2fa874; --chart-grid: #22304b; --chart-axis: #8d9ab0;
		--shadow-sm: none; --shadow: 0 0 0 1px var(--border); --shadow-lg: 0 0 0 1px var(--border), 0 18px 40px -12px rgba(0,0,0,.5);
		color-scheme: dark;
	}
}
:root[data-theme="dark"] {
	--bg: #0b1220; --bg-soft: #0f172a; --surface: #111a2e; --surface-2: #16213a;
	--border: #24314d; --border-strong: #34446a;
	--text: #e6ebf3; --text-2: #b4bfd1; --text-3: #8d9ab0;
	--primary: #7ea6ef; --primary-hover: #a3c0f5; --on-primary: #0b1220;
	--accent: #3fbf86; --accent-text: #5fd39d; --accent-soft: #10291f;
	--link: #8fb3f2; --focus: #8fb3f2; --danger: #ff8a80; --danger-soft: #3a1714;
	--blue-100: #16264a; --green-100: #10291f;
	--series-base: #5b87d6; --series-interest: #2fa874; --chart-grid: #22304b; --chart-axis: #8d9ab0;
	--shadow-sm: none; --shadow: 0 0 0 1px var(--border); --shadow-lg: 0 0 0 1px var(--border), 0 18px 40px -12px rgba(0,0,0,.5);
	color-scheme: dark;
}

/* 2. Base --------------------------------------------------------------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-padding-top: calc(var(--header-h) + 16px); }
body {
	margin: 0;
	background: var(--bg);
	color: var(--text);
	font-family: var(--font);
	font-size: var(--fs-base);
	line-height: 1.65;
	-webkit-font-smoothing: antialiased;
	text-rendering: optimizeLegibility;
}
img, svg, video { max-width: 100%; height: auto; }
h1, h2, h3, h4 { line-height: 1.2; letter-spacing: -.015em; color: var(--text); margin: 0 0 .5em; font-weight: 700; }
h1 { font-size: var(--fs-2xl); }
h2 { font-size: var(--fs-xl); }
h3 { font-size: var(--fs-lg); }
p { margin: 0 0 1em; }
a { color: var(--link); text-underline-offset: .18em; text-decoration-thickness: 1px; }
a:hover { text-decoration-thickness: 2px; }
:focus-visible { outline: 3px solid var(--focus); outline-offset: 2px; border-radius: 4px; }
code, kbd { font-family: var(--font-mono); font-size: .9em; }
hr { border: 0; border-top: 1px solid var(--border); margin: var(--space-6) 0; }
::selection { background: var(--blue-100); }

.screen-reader-text {
	border: 0; clip: rect(1px, 1px, 1px, 1px); clip-path: inset(50%);
	height: 1px; width: 1px; margin: -1px; overflow: hidden; padding: 0; position: absolute !important; word-wrap: normal !important;
}
.skip-link:focus {
	clip: auto; clip-path: none; height: auto; width: auto; margin: 0; z-index: 1000;
	top: 8px; left: 8px; padding: 10px 16px; background: var(--surface); color: var(--text); border-radius: var(--radius-sm); box-shadow: var(--shadow-lg);
}

/* 3. Layout ------------------------------------------------------------- */
.container { width: 100%; max-width: var(--container); margin-inline: auto; padding-inline: 20px; }
.container--narrow { max-width: 780px; }
.container--calc { max-width: 960px; }
.site-main { min-height: 60vh; padding-bottom: var(--space-8); }
.section { padding-block: var(--space-8); }
.section--tint { background: var(--bg-soft); }
.section__head { display: flex; align-items: baseline; justify-content: space-between; gap: var(--space-4); margin-bottom: var(--space-5); flex-wrap: wrap; }
.section__head h2 { margin: 0; font-size: var(--fs-2xl); }
.section-subtitle { font-size: var(--fs-lg); margin: var(--space-6) 0 var(--space-4); }
.page-header { padding: var(--space-6) 0 var(--space-5); }
.page-title { font-size: var(--fs-2xl); margin-bottom: .3em; }
.page-meta { color: var(--text-3); font-size: var(--fs-sm); margin: 0; }
.page-lead { color: var(--text-2); font-size: var(--fs-lg); max-width: 720px; }
.page-search { max-width: 640px; margin-top: var(--space-4); }

/* 4. Header & navigation ------------------------------------------------ */
.site-header {
	position: sticky; top: 0; z-index: 50;
	background: color-mix(in srgb, var(--bg) 92%, transparent);
	-webkit-backdrop-filter: saturate(1.4) blur(10px); backdrop-filter: saturate(1.4) blur(10px);
	border-bottom: 1px solid var(--border);
}
.admin-bar .site-header { top: 32px; }
@media (max-width: 782px) { .admin-bar .site-header { top: 0; } }
.site-header__inner { display: flex; align-items: center; gap: var(--space-5); min-height: var(--header-h); }
.site-brand { flex-shrink: 0; }
.ich-logo { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; color: var(--text); font-weight: 750; font-size: 1.12rem; letter-spacing: -.02em; }
.ich-logo__mark { display: inline-flex; }
.ich-logo .lm-bg { fill: var(--navy-800); }
.ich-logo .lm-bars { fill: #ffffff; opacity: .9; }
.ich-logo .lm-line { fill: none; stroke: #3fbf86; stroke-width: 2.2; stroke-linecap: round; stroke-linejoin: round; }
:root[data-theme="dark"] .ich-logo .lm-bg { fill: #1d3766; }
@media (prefers-color-scheme: dark) { :root:not([data-theme="light"]) .ich-logo .lm-bg { fill: #1d3766; } }
.custom-logo { max-height: 44px; width: auto; }

.site-nav { margin-left: auto; }
.site-nav .menu { list-style: none; margin: 0; padding: 0; display: flex; gap: 2px; }
.site-nav .menu > li { position: relative; }
.site-nav a {
	display: block; padding: 8px 12px; border-radius: var(--radius-sm);
	color: var(--text-2); text-decoration: none; font-size: var(--fs-sm); font-weight: 550; white-space: nowrap;
}
.site-nav a:hover { color: var(--text); background: var(--bg-soft); }
.site-nav .current-menu-item > a, .site-nav .current_page_item > a, .site-nav .current-menu-ancestor > a { color: var(--primary); background: var(--blue-100); }
.site-nav .sub-menu {
	list-style: none; margin: 0; padding: 6px; position: absolute; left: 0; top: 100%; min-width: 260px;
	background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius); box-shadow: var(--shadow-lg);
	opacity: 0; visibility: hidden; transform: translateY(4px); transition: opacity .15s, transform .15s, visibility .15s;
}
.site-nav li:hover > .sub-menu, .site-nav li:focus-within > .sub-menu { opacity: 1; visibility: visible; transform: none; }
.site-tools { display: flex; gap: 4px; }
.icon-btn {
	display: inline-grid; place-items: center; width: 42px; height: 42px; border-radius: var(--radius-sm);
	background: transparent; border: 1px solid transparent; color: var(--text-2); cursor: pointer; padding: 0;
}
.icon-btn:hover { background: var(--bg-soft); color: var(--text); }
.icon-btn .ich-icon { width: 22px; height: 22px; }
.when-dark, .when-open { display: none; }
:root[data-theme="dark"] .when-dark { display: inline; }
:root[data-theme="dark"] .when-light { display: none; }
@media (prefers-color-scheme: dark) {
	:root:not([data-theme="light"]) .when-dark { display: inline; }
	:root:not([data-theme="light"]) .when-light { display: none; }
}
.nav-toggle { display: none; }
.site-search { border-top: 1px solid var(--border); padding: var(--space-4) 0; background: var(--surface); }
.site-search .search-form { max-width: 720px; margin-inline: auto; }

@media (max-width: 960px) {
	.nav-toggle { display: inline-grid; }
	.site-nav {
		position: fixed; inset: var(--header-h) 0 0 0; margin: 0; background: var(--bg);
		padding: var(--space-4) 20px var(--space-7); overflow-y: auto; display: none; border-top: 1px solid var(--border);
	}
	.admin-bar .site-nav { top: calc(var(--header-h) + 46px); }
	.nav-open .site-nav { display: block; }
	.nav-open { overflow: hidden; }
	.nav-open .when-open { display: inline; }
	.nav-open .when-closed { display: none; }
	.site-nav .menu { flex-direction: column; gap: 2px; }
	.site-nav a { font-size: var(--fs-base); padding: 14px 12px; border-bottom: 1px solid var(--border); border-radius: 0; }
	.site-nav .sub-menu { position: static; opacity: 1; visibility: visible; transform: none; box-shadow: none; border: 0; padding: 0 0 0 16px; min-width: 0; }
	.site-tools { margin-left: auto; }
}

/* Breadcrumbs */
.ich-breadcrumbs ol { list-style: none; margin: 0 0 var(--space-3); padding: 0; display: flex; flex-wrap: wrap; gap: 4px; font-size: var(--fs-xs); color: var(--text-3); }
.ich-breadcrumbs li:not(:last-child)::after { content: "/"; margin-left: 6px; color: var(--border-strong); }
.ich-breadcrumbs a { color: var(--text-2); text-decoration: none; }
.ich-breadcrumbs a:hover { text-decoration: underline; }

/* 5. Buttons & forms ---------------------------------------------------- */
.ich-btn {
	display: inline-flex; align-items: center; justify-content: center; gap: 8px;
	min-height: 46px; padding: 10px 20px; border-radius: 10px; border: 1px solid transparent;
	font: inherit; font-size: var(--fs-sm); font-weight: 650; line-height: 1.2; text-decoration: none; cursor: pointer;
	transition: background-color .15s, border-color .15s, color .15s;
}
.ich-btn--primary { background: var(--primary); color: var(--on-primary); }
.ich-btn--primary:hover { background: var(--primary-hover); color: var(--on-primary); }
.ich-btn--outline { background: var(--surface); color: var(--text); border-color: var(--border-strong); }
.ich-btn--outline:hover { border-color: var(--text-3); }
.ich-btn--ghost { background: transparent; color: var(--text-2); border-color: var(--border); }
.ich-btn--ghost:hover { background: var(--bg-soft); color: var(--text); }
.ich-btn--lg { min-height: 52px; padding-inline: 24px; font-size: var(--fs-base); }
.ich-link { display: inline-flex; align-items: center; gap: 6px; font-weight: 600; text-decoration: none; font-size: var(--fs-sm); }
.ich-link .ich-icon { width: 18px; height: 18px; transition: transform .15s; }
.ich-link:hover .ich-icon { transform: translateX(3px); }
.ich-eyebrow { display: inline-block; font-size: var(--fs-xs); font-weight: 650; letter-spacing: .04em; text-transform: uppercase; color: var(--accent-text); margin-bottom: var(--space-2); }

input[type="text"], input[type="email"], input[type="number"], input[type="search"], input[type="url"], textarea, select {
	width: 100%; min-height: 48px; padding: 10px 14px;
	font: inherit; font-size: 1rem; color: var(--text);
	background: var(--surface); border: 1px solid var(--border-strong); border-radius: 10px;
	transition: border-color .15s, box-shadow .15s;
}
textarea { min-height: 160px; resize: vertical; }
select {
	appearance: none; -webkit-appearance: none; padding-right: 38px;
	background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' fill='none' stroke='%2366768c' stroke-width='2'%3E%3Cpath d='m1 1.5 5 5 5-5'/%3E%3C/svg%3E");
	background-repeat: no-repeat; background-position: right 14px center;
}
input:focus, textarea:focus, select:focus { outline: none; border-color: var(--focus); box-shadow: 0 0 0 3px color-mix(in srgb, var(--focus) 25%, transparent); }
input[type=number] { -moz-appearance: textfield; }
input::-webkit-outer-spin-button, input::-webkit-inner-spin-button { -webkit-appearance: none; margin: 0; }

.search-form { position: relative; display: flex; gap: 8px; }
.search-form__icon { position: absolute; left: 14px; top: 50%; transform: translateY(-50%); color: var(--text-3); pointer-events: none; display: flex; }
.search-form__icon .ich-icon { width: 20px; height: 20px; }
.search-form .search-form__input { padding-left: 44px; }
.search-form__btn { flex-shrink: 0; }

/* 6. Home --------------------------------------------------------------- */
.hero { padding: var(--space-8) 0 var(--space-7); background:
	radial-gradient(900px 400px at 85% 0%, color-mix(in srgb, var(--blue-100) 70%, transparent), transparent 70%), var(--bg); }
.hero__inner { display: grid; grid-template-columns: 1.15fr .85fr; gap: var(--space-7); align-items: center; }
.hero__title { font-size: var(--fs-3xl); line-height: 1.08; letter-spacing: -.03em; margin-bottom: var(--space-4); }
.hero__lead { font-size: var(--fs-lg); color: var(--text-2); max-width: 580px; margin-bottom: var(--space-5); }
.hero__search { max-width: 580px; margin-bottom: var(--space-4); }
.hero__ctas { display: flex; flex-wrap: wrap; gap: var(--space-3); }
.hero-card {
	background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius-lg);
	box-shadow: var(--shadow-lg); padding: var(--space-5); max-width: 400px; margin-left: auto;
}
.hero-card__row { display: flex; justify-content: space-between; padding: 8px 0; border-bottom: 1px dashed var(--border); font-size: var(--fs-sm); color: var(--text-2); }
.hero-card__row b { color: var(--text); font-variant-numeric: tabular-nums; }
.hero-card__chart { display: block; width: 100%; height: auto; margin: var(--space-4) 0 var(--space-3); }
.hb-base { fill: var(--series-base); }
.hb-int { fill: var(--series-interest); }
.hero-card__total { display: flex; justify-content: space-between; align-items: baseline; }
.hero-card__total span { color: var(--text-2); font-size: var(--fs-sm); }
.hero-card__total b { font-size: 1.6rem; letter-spacing: -.02em; font-variant-numeric: tabular-nums; }
.hero-card__sub { font-size: var(--fs-sm); color: var(--text-2); text-align: right; }
.hero-card__sub b { color: var(--accent-text); }
@media (max-width: 900px) {
	.hero { padding-top: var(--space-6); }
	.hero__inner { grid-template-columns: 1fr; gap: var(--space-6); }
	.hero-card { margin: 0; max-width: none; }
}
@media (max-width: 480px) {
	.hero__ctas .ich-btn { width: 100%; }
	.search-form__btn { padding-inline: 14px; }
}

.ich-steps { list-style: none; counter-reset: step; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(5, 1fr); gap: var(--space-4); }
.ich-steps li { counter-increment: step; position: relative; padding: var(--space-5) var(--space-4) var(--space-4); border: 1px solid var(--border); border-radius: var(--radius); background: var(--surface); }
.ich-steps li::before {
	content: counter(step); display: grid; place-items: center; width: 32px; height: 32px; border-radius: 50%;
	background: var(--accent-soft); color: var(--accent-text); font-weight: 700; font-size: var(--fs-sm); margin-bottom: var(--space-3);
}
.ich-steps h3 { font-size: 1.05rem; margin-bottom: 6px; }
.ich-steps p { color: var(--text-2); font-size: var(--fs-sm); margin: 0; }
@media (max-width: 1000px) { .ich-steps { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .ich-steps { grid-template-columns: 1fr; } }

.ich-benefits { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-5) var(--space-6); }
.ich-benefits li { display: flex; gap: var(--space-4); align-items: flex-start; }
.ich-benefits .ich-icon { flex-shrink: 0; width: 40px; height: 40px; padding: 9px; border-radius: 10px; background: var(--blue-100); color: var(--primary); }
.ich-benefits h3 { font-size: 1.05rem; margin-bottom: 4px; }
.ich-benefits p { color: var(--text-2); font-size: var(--fs-sm); margin: 0; }
@media (max-width: 900px) { .ich-benefits { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .ich-benefits { grid-template-columns: 1fr; } }

/* FAQ */
.ich-faq details, .entry-content details.ich-faq-item {
	border: 1px solid var(--border); border-radius: var(--radius); background: var(--surface); margin-bottom: var(--space-3); padding: 0 var(--space-5);
}
.ich-faq summary, .entry-content details.ich-faq-item summary {
	cursor: pointer; list-style: none; padding: var(--space-4) 0; font-weight: 650; position: relative; padding-right: 32px;
}
.ich-faq summary::-webkit-details-marker, .entry-content details.ich-faq-item summary::-webkit-details-marker { display: none; }
.ich-faq summary::after, .entry-content details.ich-faq-item summary::after {
	content: ""; position: absolute; right: 4px; top: 50%; width: 10px; height: 10px; margin-top: -7px;
	border-right: 2px solid var(--text-3); border-bottom: 2px solid var(--text-3); transform: rotate(45deg); transition: transform .15s;
}
.ich-faq details[open] summary::after, .entry-content details.ich-faq-item[open] summary::after { transform: rotate(-135deg); margin-top: -2px; }
.ich-faq details p, .entry-content details.ich-faq-item > *:not(summary) { color: var(--text-2); }
.ich-faq details > p:last-child { padding-bottom: var(--space-4); margin: 0; }

/* 7. Cards -------------------------------------------------------------- */
.ich-calc-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--space-4); }
.ich-calc-grid--compact { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 1100px) { .ich-calc-grid { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 820px) { .ich-calc-grid, .ich-calc-grid--compact { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 520px) { .ich-calc-grid, .ich-calc-grid--compact { grid-template-columns: 1fr; } }
.container--calc .ich-calc-grid--compact { grid-template-columns: repeat(2, 1fr); }
@media (max-width: 520px) { .container--calc .ich-calc-grid--compact { grid-template-columns: 1fr; } }

.ich-calc-card {
	display: flex; flex-direction: column; gap: 6px; padding: var(--space-5);
	background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius);
	box-shadow: var(--shadow-sm); text-decoration: none; color: var(--text);
	transition: border-color .15s, box-shadow .15s, transform .15s;
}
.ich-calc-card:hover { border-color: var(--border-strong); box-shadow: var(--shadow); transform: translateY(-2px); }
.ich-calc-card__icon { display: inline-grid; place-items: center; width: 44px; height: 44px; border-radius: 11px; background: var(--blue-100); color: var(--primary); margin-bottom: 6px; }
.ich-calc-card__icon .ich-icon { width: 22px; height: 22px; }
.ich-calc-card__title { font-weight: 700; font-size: 1.05rem; line-height: 1.3; }
.ich-calc-card__desc { color: var(--text-2); font-size: var(--fs-sm); line-height: 1.5; flex: 1; }
.ich-calc-card__go { display: inline-flex; align-items: center; gap: 6px; font-size: var(--fs-sm); font-weight: 650; color: var(--link); margin-top: 6px; }
.ich-calc-card__go .ich-icon { width: 16px; height: 16px; transition: transform .15s; }
.ich-calc-card:hover .ich-calc-card__go .ich-icon { transform: translateX(3px); }

.ich-cat-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: var(--space-4); }
@media (max-width: 1000px) { .ich-cat-grid { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 680px) { .ich-cat-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 420px) { .ich-cat-grid { grid-template-columns: 1fr; } }
.ich-cat { display: flex; flex-direction: column; gap: 6px; padding: var(--space-5); border-radius: var(--radius); background: var(--surface); border: 1px solid var(--border); text-decoration: none; color: var(--text); }
.ich-cat:hover { border-color: var(--accent); }
.ich-cat__icon { color: var(--accent-text); }
.ich-cat__title { font-weight: 700; line-height: 1.3; }
.ich-cat__desc { color: var(--text-2); font-size: var(--fs-sm); line-height: 1.5; }

.ich-post-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-5); }
.ich-post-grid--compact { gap: var(--space-4); }
@media (max-width: 900px) { .ich-post-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 600px) { .ich-post-grid { grid-template-columns: 1fr; } }
.ich-post-card { display: flex; flex-direction: column; background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius); overflow: hidden; }
.ich-post-card__media { display: block; aspect-ratio: 16 / 9; background: var(--bg-soft); overflow: hidden; }
.ich-post-card__media img, .ich-post-card__media svg { width: 100%; height: 100%; object-fit: cover; display: block; }
.ich-post-card__body { padding: var(--space-5); display: flex; flex-direction: column; flex: 1; }
.ich-post-card__title { font-size: 1.12rem; line-height: 1.35; margin-bottom: 8px; }
.ich-post-card__title a { color: var(--text); text-decoration: none; }
.ich-post-card__title a:hover { color: var(--link); }
.ich-post-card__excerpt { color: var(--text-2); font-size: var(--fs-sm); flex: 1; }
.ich-post-grid--compact .ich-post-card__media { display: none; }
.ich-placeholder .ph-bg { fill: var(--blue-100); }
.ich-placeholder .ph-grid path { stroke: color-mix(in srgb, var(--series-base) 15%, transparent); stroke-width: 1; }
.ich-placeholder .ph-line { fill: none; stroke: var(--series-base); stroke-width: 4; stroke-linejoin: round; stroke-linecap: round; }
.ich-placeholder .ph-area { fill: color-mix(in srgb, var(--series-interest) 14%, transparent); stroke: none; }

/* 8. Calculator --------------------------------------------------------- */
.ich-calculator {
	background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius-lg);
	box-shadow: var(--shadow); padding: clamp(18px, 3vw, 32px); margin: var(--space-5) 0 var(--space-7);
}
.entry-content .ich-calculator h2.ich-calculator__title { margin: 0 0 4px; font-size: 1.3rem; }
.ich-calculator__head { display: flex; gap: var(--space-4); align-items: flex-start; margin-bottom: var(--space-5); padding-bottom: var(--space-4); border-bottom: 1px solid var(--border); }
.ich-calculator__icon { display: inline-grid; place-items: center; flex-shrink: 0; width: 48px; height: 48px; border-radius: 12px; background: var(--navy-800); color: #fff; }
:root[data-theme="dark"] .ich-calculator__icon { background: var(--blue-100); color: var(--primary); }
@media (prefers-color-scheme: dark) { :root:not([data-theme="light"]) .ich-calculator__icon { background: var(--blue-100); color: var(--primary); } }
.entry-content .ich-calculator__desc { color: var(--text-2); margin: 0; font-size: var(--fs-sm); }
.ich-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: var(--space-4) var(--space-5); }
@media (max-width: 600px) { .ich-grid { grid-template-columns: 1fr; } }
.ich-field label { display: block; font-weight: 600; font-size: var(--fs-sm); margin-bottom: 6px; color: var(--text); }
.ich-input-wrap { position: relative; }
.ich-input-wrap.has-suffix input { padding-right: 44px; }
.ich-input-wrap.has-suffix--word input { padding-right: 78px; }
.ich-affix { position: absolute; right: 14px; top: 50%; transform: translateY(-50%); color: var(--text-3); font-size: var(--fs-sm); pointer-events: none; }
.ich-input-group { display: grid; grid-template-columns: 1fr 130px; gap: 8px; }
.entry-content .ich-help { font-size: var(--fs-xs); color: var(--text-3); margin: 6px 0 0; line-height: 1.45; }
.entry-content .ich-error { font-size: var(--fs-xs); color: var(--danger); margin: 6px 0 0; min-height: 0; font-weight: 600; }
.ich-error:empty { display: none; }
.has-error input, .has-error select { border-color: var(--danger); background: var(--danger-soft); }
.entry-content .ich-fixed-note { display: flex; align-items: center; gap: 8px; font-size: var(--fs-sm); color: var(--text-2); margin: var(--space-4) 0 0; }
.ich-fixed-note .ich-icon { width: 18px; height: 18px; color: var(--accent-text); }
.ich-form-actions { display: flex; gap: var(--space-3); margin-top: var(--space-5); flex-wrap: wrap; }
.ich-form-actions .ich-btn--primary { min-width: 180px; }
@media (max-width: 480px) { .ich-form-actions .ich-btn { flex: 1; } }

.ich-results { margin-top: var(--space-6); padding-top: var(--space-5); border-top: 1px solid var(--border); }
.ich-results:focus { outline: none; }
.ich-cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); gap: var(--space-3); }
.ich-card { padding: var(--space-4); border-radius: var(--radius); background: var(--surface-2); border: 1px solid var(--border); display: flex; flex-direction: column; gap: 4px; min-width: 0; }
.ich-card__label { font-size: var(--fs-xs); color: var(--text-2); font-weight: 600; line-height: 1.35; }
.ich-card__value { font-size: 1.15rem; font-weight: 700; font-variant-numeric: tabular-nums; letter-spacing: -.01em; overflow-wrap: anywhere; line-height: 1.3; }
.ich-card.is-primary { background: var(--navy-800); border-color: var(--navy-800); grid-column: span 2; }
.ich-card.is-primary .ich-card__label { color: #c7d5ee; }
.ich-card.is-primary .ich-card__value { color: #fff; font-size: 1.7rem; }
:root[data-theme="dark"] .ich-card.is-primary { background: #1a2d55; border-color: #2c4377; }
@media (prefers-color-scheme: dark) { :root:not([data-theme="light"]) .ich-card.is-primary { background: #1a2d55; border-color: #2c4377; } }
.ich-card.is-accent { background: var(--accent-soft); border-color: color-mix(in srgb, var(--accent) 35%, transparent); }
.ich-card.is-accent .ich-card__value { color: var(--accent-text); }
@media (max-width: 420px) { .ich-card.is-primary { grid-column: auto; } }

.ich-actions { display: flex; gap: var(--space-3); align-items: center; flex-wrap: wrap; margin: var(--space-4) 0 var(--space-5); }
.ich-actions .ich-btn { min-height: 40px; padding: 8px 14px; }
.ich-status { font-size: var(--fs-sm); color: var(--accent-text); font-weight: 600; }

.ich-chart { margin: 0 0 var(--space-5); padding: var(--space-4); border: 1px solid var(--border); border-radius: var(--radius); background: var(--surface); }
.ich-chart__title { font-weight: 700; font-size: var(--fs-sm); margin-bottom: 6px; }
.ich-chart__legend { display: flex; flex-wrap: wrap; gap: 6px 16px; font-size: var(--fs-xs); color: var(--text-2); margin-bottom: var(--space-3); }
.ich-chart__legend span { display: inline-flex; align-items: center; gap: 6px; }
.ich-chart__legend .muted { color: var(--text-3); }
.sw { display: inline-block; width: 12px; height: 12px; border-radius: 3px; }
.sw--base { background: var(--series-base); }
.sw--interest { background: var(--series-interest); }
.ich-chart__plot { position: relative; min-height: 220px; }
.ich-chart__plot svg { width: 100%; height: auto; }
.ich-chart__plot svg { display: block; overflow: visible; }
.ich-grid-line, .ich-chart .ich-grid { stroke: var(--chart-grid); stroke-width: 1; }
.ich-chart .ich-baseline { stroke: var(--border-strong); stroke-width: 1; }
.ich-chart .ich-axis { fill: var(--chart-axis); font-size: 11px; font-family: var(--font); font-variant-numeric: tabular-nums; }
.ich-seg--base { fill: var(--series-base); }
.ich-seg--interest { fill: var(--series-interest); }
.ich-hit { fill: transparent; }
.ich-bar { cursor: pointer; outline: none; }
.ich-bar:focus-visible .ich-hit, .ich-bar.is-active .ich-hit { fill: color-mix(in srgb, var(--text) 6%, transparent); }
.ich-tip {
	position: absolute; transform: translate(-50%, -100%); pointer-events: none; z-index: 5;
	background: var(--surface); color: var(--text); border: 1px solid var(--border); border-radius: 10px; box-shadow: var(--shadow-lg);
	padding: 8px 12px; font-size: var(--fs-xs); line-height: 1.5; display: flex; flex-direction: column; gap: 2px; white-space: nowrap; font-variant-numeric: tabular-nums;
}
.ich-tip[hidden] { display: none; }
.ich-tip span { display: inline-flex; align-items: center; gap: 6px; }
.ich-tip .sw { width: 9px; height: 9px; }

.ich-breakdown, .ich-table-wrap { border: 1px solid var(--border); border-radius: var(--radius); margin-bottom: var(--space-4); background: var(--surface); }
.ich-breakdown summary, .ich-table-wrap summary { cursor: pointer; padding: 12px var(--space-4); font-weight: 650; font-size: var(--fs-sm); }
.ich-breakdown ol { margin: 0; padding: 0 var(--space-4) var(--space-4) 40px; }
.ich-breakdown li { margin-bottom: 6px; font-size: var(--fs-sm); }
.ich-breakdown code { white-space: normal; overflow-wrap: anywhere; background: none; padding: 0; font-size: .875rem; color: var(--text); }
.ich-table-scroll { overflow-x: auto; -webkit-overflow-scrolling: touch; border-top: 1px solid var(--border); max-height: 520px; overflow-y: auto; }
.ich-table { width: 100%; border-collapse: collapse; font-size: var(--fs-sm); font-variant-numeric: tabular-nums; }
.ich-table th, .ich-table td { padding: 10px 14px; text-align: right; border-bottom: 1px solid var(--border); white-space: nowrap; }
.ich-table thead th { position: sticky; top: 0; background: var(--surface-2); font-size: var(--fs-xs); color: var(--text-2); font-weight: 650; z-index: 1; }
.ich-table th:first-child { text-align: left; }
.ich-table tbody th { font-weight: 600; }
.ich-table tbody tr:hover { background: var(--surface-2); }
.entry-content .ich-calc-disclaimer { font-size: var(--fs-xs); color: var(--text-3); margin: var(--space-4) 0 0; }
.ich-notice { padding: var(--space-3) var(--space-4); background: var(--danger-soft); border-radius: var(--radius-sm); color: var(--danger); }

.ich-related { margin-top: var(--space-7); }
.ich-related > h2 { font-size: var(--fs-xl); }

/* 9. Content ------------------------------------------------------------ */
.entry-content { font-size: var(--fs-base); }
.entry-content > * + * { margin-top: 0; }
.entry-content h2 { font-size: var(--fs-xl); margin: var(--space-7) 0 var(--space-3); }
.entry-content h3 { font-size: var(--fs-lg); margin: var(--space-6) 0 var(--space-2); }
.entry-content ul, .entry-content ol { padding-left: 1.4em; margin: 0 0 1.1em; }
.entry-content li { margin-bottom: .4em; }
.entry-content li::marker { color: var(--text-3); }
.entry-content blockquote { margin: var(--space-5) 0; padding: var(--space-3) var(--space-5); border-left: 4px solid var(--accent); background: var(--bg-soft); border-radius: 0 var(--radius-sm) var(--radius-sm) 0; }
.entry-content table { width: 100%; border-collapse: collapse; margin: var(--space-4) 0 var(--space-5); font-size: var(--fs-sm); font-variant-numeric: tabular-nums; }
.entry-content table th, .entry-content table td { border: 1px solid var(--border); padding: 9px 12px; text-align: left; }
.entry-content table thead th { background: var(--bg-soft); font-weight: 650; }
.entry-content .wp-block-table { overflow-x: auto; margin: var(--space-4) 0 var(--space-5); }
.entry-content .wp-block-table table { margin: 0; }
.entry-content .wp-block-table td, .entry-content .wp-block-table th { white-space: nowrap; }
.entry-content img { border-radius: var(--radius); }
.entry-content .lead { font-size: var(--fs-lg); color: var(--text-2); }

.formula {
	display: block; margin: var(--space-4) 0 var(--space-5); padding: var(--space-4) var(--space-5);
	background: var(--bg-soft); border: 1px solid var(--border); border-left: 4px solid var(--primary); border-radius: var(--radius-sm);
	font-family: var(--font-mono); font-size: 1.05rem; overflow-x: auto; white-space: nowrap; color: var(--text);
}
.callout { padding: var(--space-4) var(--space-5); border-radius: var(--radius); background: var(--blue-100); border: 1px solid color-mix(in srgb, var(--primary) 20%, transparent); margin: var(--space-5) 0; }
.callout > :last-child { margin-bottom: 0; }
.callout--green { background: var(--accent-soft); border-color: color-mix(in srgb, var(--accent) 30%, transparent); }
.entry-content dl.variables { display: grid; grid-template-columns: auto 1fr; gap: 6px 16px; margin: 0 0 var(--space-5); }
.entry-content dl.variables dt { font-family: var(--font-mono); font-weight: 700; color: var(--primary); }
.entry-content dl.variables dd { margin: 0; color: var(--text-2); }
.internal-links { columns: 2; column-gap: var(--space-6); }
@media (max-width: 600px) { .internal-links { columns: 1; } }

.article-layout { display: grid; grid-template-columns: minmax(0, 1fr) 300px; gap: var(--space-7); padding-top: var(--space-6); align-items: start; }
.article { max-width: 760px; }
.article__header { margin-bottom: var(--space-5); }
.article__image { margin: var(--space-5) 0 0; }
.article__footer { margin-top: var(--space-7); }
.article__cta { padding: var(--space-5); border-radius: var(--radius-lg); background: var(--bg-soft); border: 1px solid var(--border); }
.article__cta h2 { font-size: var(--fs-lg); margin-bottom: 6px; }
.article__cta p { color: var(--text-2); }
.article__cta .ich-btn { margin: 4px 8px 4px 0; }
.article-sidebar { position: relative; height: 100%; }
.sidebar-sticky { position: sticky; top: calc(var(--header-h) + 24px); }
.widget { margin-bottom: var(--space-5); }
.widget-title { font-size: var(--fs-sm); text-transform: uppercase; letter-spacing: .05em; color: var(--text-3); margin-bottom: var(--space-3); }
.widget--calcs ul { list-style: none; margin: 0; padding: 0; border: 1px solid var(--border); border-radius: var(--radius); overflow: hidden; }
.widget--calcs li + li { border-top: 1px solid var(--border); }
.widget--calcs a { display: flex; align-items: center; gap: 10px; padding: 12px 14px; color: var(--text); text-decoration: none; font-size: var(--fs-sm); font-weight: 550; }
.widget--calcs a:hover { background: var(--bg-soft); }
.widget--calcs .ich-icon { width: 18px; height: 18px; color: var(--primary); flex-shrink: 0; }
@media (max-width: 1023px) { .article-layout { grid-template-columns: 1fr; } .article-sidebar { display: none; } .article { max-width: none; } }

.search-results { list-style: none; padding: 0; margin: 0; }
.search-results li { padding: var(--space-4) 0; border-bottom: 1px solid var(--border); }
.search-results a { font-weight: 650; font-size: 1.1rem; }
.search-results p { color: var(--text-2); margin: 4px 0 0; font-size: var(--fs-sm); }
.navigation.pagination { margin-top: var(--space-6); }
.nav-links { display: flex; gap: 6px; flex-wrap: wrap; }
.page-numbers { display: inline-grid; place-items: center; min-width: 42px; height: 42px; padding: 0 12px; border: 1px solid var(--border); border-radius: var(--radius-sm); text-decoration: none; color: var(--text); }
.page-numbers.current { background: var(--primary); color: var(--on-primary); border-color: var(--primary); }

/* Contact form */
.ich-contact { display: grid; gap: var(--space-4); max-width: 640px; }
.ich-contact .row { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-4); }
@media (max-width: 600px) { .ich-contact .row { grid-template-columns: 1fr; } }
.ich-contact label { display: block; font-weight: 600; font-size: var(--fs-sm); margin-bottom: 6px; }
.ich-contact .hp { position: absolute; left: -10000px; width: 1px; height: 1px; overflow: hidden; }
.ich-alert { padding: var(--space-4) var(--space-5); border-radius: var(--radius); margin-bottom: var(--space-4); font-weight: 550; }
.ich-alert--ok { background: var(--accent-soft); color: var(--accent-text); }
.ich-alert--err { background: var(--danger-soft); color: var(--danger); }

/* 10. Ads --------------------------------------------------------------- */
.ich-ad { margin: var(--space-6) auto; text-align: center; max-width: 100%; overflow: hidden; clear: both; }
.ich-ad__label { display: block; font-size: 11px; letter-spacing: .06em; text-transform: uppercase; color: var(--text-3); margin-bottom: 6px; }
.ich-ad--header { margin: var(--space-3) auto 0; padding-inline: 20px; max-width: var(--container); min-height: 110px; }
.ich-ad--footer { max-width: var(--container); padding-inline: 20px; min-height: 120px; }
.ich-ad--in_content, .ich-ad--below_intro, .ich-ad--before_faq { min-height: 280px; }
.ich-ad--sidebar { min-height: 600px; }
.ich-ad--placeholder { display: grid; place-items: center; border: 2px dashed var(--border-strong); border-radius: var(--radius); color: var(--text-3); font-size: var(--fs-sm); background: var(--bg-soft); }
@media (max-width: 600px) {
	.ich-ad--header { min-height: 70px; }
	.ich-ad--in_content, .ich-ad--below_intro, .ich-ad--before_faq { min-height: 250px; }
}

/* 11. Footer ------------------------------------------------------------ */
.site-footer { background: var(--navy-900); color: #b9c4d6; padding: var(--space-8) 0 var(--space-5); }
.home .site-main { padding-bottom: 0; }
:root[data-theme="dark"] .site-footer { background: #070d18; border-top: 1px solid var(--border); }
@media (prefers-color-scheme: dark) { :root:not([data-theme="light"]) .site-footer { background: #070d18; border-top: 1px solid var(--border); } }
.site-footer__grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: var(--space-6); }
@media (max-width: 900px) { .site-footer__grid { grid-template-columns: 1fr 1fr; } .footer-brand { grid-column: 1 / -1; } }
@media (max-width: 480px) { .site-footer__grid { grid-template-columns: 1fr; } }
.site-footer .ich-logo { color: #fff; }
.site-footer .ich-logo .lm-bg { fill: #1d3766; }
.footer-brand p { margin-top: var(--space-4); font-size: var(--fs-sm); max-width: 340px; }
.footer-col__title { color: #fff; font-size: var(--fs-sm); text-transform: uppercase; letter-spacing: .06em; margin-bottom: var(--space-4); }
.footer-links { list-style: none; margin: 0; padding: 0; }
.footer-links li { margin-bottom: 10px; }
.footer-links a { color: #b9c4d6; text-decoration: none; font-size: var(--fs-sm); }
.footer-links a:hover { color: #fff; text-decoration: underline; }
.site-footer__bottom { display: flex; justify-content: space-between; gap: var(--space-4); flex-wrap: wrap; margin-top: var(--space-7); padding-top: var(--space-5); border-top: 1px solid rgba(255,255,255,.1); font-size: var(--fs-xs); }
.site-footer__bottom p { margin: 0; }

/* 12. Utilities & WP core classes ---------------------------------------- */
.alignwide { max-width: 1100px; }
.alignfull { width: 100vw; margin-left: calc(50% - 50vw); }
.aligncenter { display: block; margin-inline: auto; }
.wp-caption-text, figcaption { font-size: var(--fs-xs); color: var(--text-3); }

@media (prefers-reduced-motion: reduce) {
	*, *::before, *::after { transition: none !important; animation: none !important; scroll-behavior: auto !important; }
}
@media print {
	.site-header, .site-footer, .ich-ad, .ich-form-actions, .ich-actions, .article-sidebar, .ich-related { display: none !important; }
	.ich-calculator { box-shadow: none; }
	.ich-table-scroll { max-height: none; overflow: visible; }
}
@media (forced-colors: active) {
	.ich-seg--base { fill: CanvasText; }
	.ich-seg--interest { fill: Highlight; }
}
.ich-cat-section { margin-bottom: var(--space-7); scroll-margin-top: calc(var(--header-h) + 16px); }
.ich-cat-section > p { color: var(--text-2); }
.entry-content .ich-cat-section .ich-calc-grid { grid-template-columns: repeat(3, 1fr); }
@media (max-width: 820px) { .entry-content .ich-cat-section .ich-calc-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 520px) { .entry-content .ich-cat-section .ich-calc-grid { grid-template-columns: 1fr; } }

/* Header fit on small phones */
.site-brand { min-width: 0; flex-shrink: 1; }
.site-tools { flex-shrink: 0; }
.ich-logo { min-width: 0; }
.ich-logo__mark { flex-shrink: 0; }
.ich-logo__text { white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
@media (max-width: 480px) {
	.site-header__inner { gap: 6px; }
	.ich-logo { font-size: 1rem; gap: 8px; }
	.ich-logo__mark svg { width: 28px; height: 28px; }
	.icon-btn { width: 40px; height: 40px; }
	.site-tools { gap: 0; }
	.entry-content .lead, .page-lead, .hero__lead { font-size: 1.0625rem; }
	.container { padding-inline: 16px; }
}
@media (max-width: 360px) { .ich-logo__text { font-size: .9rem; } }

@media (min-width: 961px) {
	.site-brand { flex-shrink: 0; }
	.site-header__inner { gap: var(--space-4); }
}
@media (min-width: 961px) and (max-width: 1240px) {
	.site-nav a { padding: 8px 8px; }
	.ich-logo { font-size: 1.02rem; }
}
/* backdrop-filter creates a containing block for fixed children; drop it while the mobile menu is open */
.nav-open .site-header { -webkit-backdrop-filter: none; backdrop-filter: none; background: var(--bg); }
/* Widgets added by the site owner */
.article-sidebar .widget h2, .article-sidebar .wp-block-heading { font-size: var(--fs-sm); text-transform: uppercase; letter-spacing: .05em; color: var(--text-3); margin-bottom: var(--space-3); }
.article-sidebar .widget ul { list-style: none; padding: 0; margin: 0; }
.article-sidebar .widget li { padding: 8px 0; border-bottom: 1px solid var(--border); font-size: var(--fs-sm); }
.article-sidebar .widget li a { color: var(--text); text-decoration: none; }
.article-sidebar .widget li a:hover { color: var(--link); }
.wp-block-search__inside-wrapper { display: flex; gap: 8px; }
.wp-block-search__button { min-height: 48px; padding: 0 16px; border: 0; border-radius: 10px; background: var(--primary); color: var(--on-primary); font: inherit; font-weight: 650; cursor: pointer; }