:root {
  --hed-navy: #0b2b52;
  --hed-blue: #0b77bd;
  --hed-green: #56b637;
  --hed-text: #172033;
  --hed-muted: #5d6878;
  --hed-bg: #f6f9fc;
  --hed-border: #dce5ee;
  --hed-white: #ffffff;
  --hed-radius: 16px;
  --hed-shadow: 0 12px 35px rgba(11, 43, 82, 0.08);
}

.hed-wrap {
  color: var(--hed-text);
  font-size: 17px;
  line-height: 1.7;
}

.hed-wrap *,
.hed-calculator * {
  box-sizing: border-box;
}

.hed-hero {
  background: linear-gradient(135deg, #eef7ff 0%, #f7fbf3 100%);
  border: 1px solid var(--hed-border);
  border-radius: 24px;
  padding: clamp(34px, 6vw, 78px);
  margin: 0 0 42px;
  position: relative;
  overflow: hidden;
}

.hed-hero:after {
  content: "";
  width: 260px;
  height: 260px;
  border-radius: 50%;
  background: rgba(86, 182, 55, 0.08);
  position: absolute;
  right: -90px;
  top: -110px;
}

.hed-eyebrow {
  color: var(--hed-blue);
  font-size: 13px;
  font-weight: 800;
  letter-spacing: .11em;
  text-transform: uppercase;
  margin-bottom: 12px;
}

.hed-hero h1,
.hed-section h2,
.hed-hub-hero h1,
.hed-calculator h1,
.hed-calculator h2 {
  color: var(--hed-navy);
  line-height: 1.16;
}

.hed-hero h1 {
  font-size: clamp(34px, 5vw, 62px);
  max-width: 930px;
  margin: 0 0 18px;
}

.hed-hero p {
  color: var(--hed-muted);
  max-width: 780px;
  font-size: clamp(17px, 2vw, 21px);
  margin: 0 0 26px;
}

.hed-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-bottom: 22px;
}

.hed-button,
a.hed-button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  padding: 11px 19px;
  border-radius: 9px;
  text-decoration: none;
  font-weight: 750;
  border: 1px solid var(--hed-navy);
  background: var(--hed-navy);
  color: var(--hed-white);
  transition: transform .15s ease, box-shadow .15s ease, background .15s ease;
}

.hed-button:hover {
  transform: translateY(-1px);
  box-shadow: 0 8px 20px rgba(11, 43, 82, .16);
  color: #fff;
}

.hed-button--secondary,
a.hed-button--secondary {
  background: var(--hed-white);
  color: var(--hed-navy);
}

.hed-search {
  display: flex;
  max-width: 760px;
  background: #fff;
  border: 1px solid var(--hed-border);
  border-radius: 12px;
  overflow: hidden;
  box-shadow: 0 10px 24px rgba(11, 43, 82, .07);
  position: relative;
  z-index: 1;
}

.hed-search input[type="search"] {
  flex: 1;
  min-width: 0;
  border: 0;
  padding: 15px 16px;
  font-size: 16px;
  background: #fff;
}

.hed-search button {
  border: 0;
  padding: 0 20px;
  background: var(--hed-green);
  color: #fff;
  font-weight: 800;
  cursor: pointer;
}

.hed-section {
  margin: 46px 0;
}

.hed-section__head {
  display: flex;
  justify-content: space-between;
  gap: 18px;
  align-items: end;
  margin-bottom: 20px;
}

.hed-section h2 {
  font-size: clamp(27px, 3vw, 38px);
  margin: 0;
}

.hed-section__intro {
  color: var(--hed-muted);
  max-width: 760px;
  margin: 8px 0 0;
}

.hed-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.hed-grid--4 {
  grid-template-columns: repeat(4, minmax(0, 1fr));
}

.hed-card {
  display: block;
  border: 1px solid var(--hed-border);
  background: #fff;
  border-radius: var(--hed-radius);
  padding: 23px;
  text-decoration: none;
  color: var(--hed-text);
  box-shadow: 0 7px 22px rgba(11, 43, 82, .045);
  transition: transform .16s ease, border-color .16s ease, box-shadow .16s ease;
}

.hed-card:hover {
  transform: translateY(-3px);
  border-color: #b6cce0;
  box-shadow: var(--hed-shadow);
  color: var(--hed-text);
}

.hed-card__icon {
  width: 45px;
  height: 45px;
  display: inline-grid;
  place-items: center;
  border-radius: 12px;
  background: #eef6fd;
  color: var(--hed-blue);
  font-weight: 900;
  margin-bottom: 15px;
  font-size: 15px;
  letter-spacing: .02em;
}

.hed-card h3 {
  margin: 0 0 7px;
  color: var(--hed-navy);
  font-size: 20px;
  line-height: 1.3;
}

.hed-card p {
  margin: 0;
  color: var(--hed-muted);
  font-size: 15px;
  line-height: 1.6;
}

.hed-panel {
  border: 1px solid var(--hed-border);
  border-radius: var(--hed-radius);
  padding: clamp(24px, 4vw, 42px);
  background: var(--hed-bg);
}

.hed-trust {
  display: grid;
  grid-template-columns: 1.2fr .8fr;
  gap: 30px;
  align-items: center;
}

.hed-checklist {
  margin: 0;
  padding: 0;
  list-style: none;
}

.hed-checklist li {
  position: relative;
  padding-left: 28px;
  margin: 9px 0;
}

.hed-checklist li:before {
  content: "✓";
  color: var(--hed-green);
  font-weight: 900;
  position: absolute;
  left: 0;
}

.hed-pill-list {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.hed-pill {
  display: inline-block;
  border: 1px solid var(--hed-border);
  border-radius: 999px;
  padding: 8px 13px;
  background: #fff;
  color: var(--hed-navy);
  font-size: 14px;
  font-weight: 700;
  text-decoration: none;
}

.hed-hub-hero {
  padding: 31px;
  background: linear-gradient(135deg, #f0f7fd, #f8fbf5);
  border: 1px solid var(--hed-border);
  border-radius: 18px;
  margin-bottom: 30px;
}

.hed-hub-hero h1 {
  margin: 0 0 11px;
  font-size: clamp(32px, 4vw, 48px);
}

.hed-hub-hero p {
  color: var(--hed-muted);
  max-width: 850px;
  margin: 0;
}

.hed-topic-list {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 13px;
  margin-top: 22px;
}

.hed-topic-list a {
  border: 1px solid var(--hed-border);
  border-radius: 11px;
  padding: 14px 15px;
  background: #fff;
  text-decoration: none;
  color: var(--hed-navy);
  font-weight: 700;
}

.hed-topic-list a:hover {
  border-color: var(--hed-blue);
}

.hed-calculator {
  border: 1px solid var(--hed-border);
  border-radius: 18px;
  background: #fff;
  box-shadow: var(--hed-shadow);
  padding: clamp(22px, 4vw, 40px);
  margin: 20px 0 34px;
}

.hed-calculator__intro {
  color: var(--hed-muted);
  margin-bottom: 23px;
}

.hed-form-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
}

.hed-field label {
  display: block;
  font-weight: 750;
  color: var(--hed-navy);
  margin-bottom: 6px;
}

.hed-field input,
.hed-field select {
  width: 100%;
  min-height: 46px;
  border: 1px solid #c9d7e4;
  border-radius: 8px;
  padding: 10px 12px;
  background: #fff;
  color: var(--hed-text);
  font-size: 16px;
}

.hed-field small {
  display: block;
  margin-top: 5px;
  color: var(--hed-muted);
}

.hed-calculator__actions {
  margin-top: 20px;
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}

.hed-calc-result {
  margin-top: 23px;
  border-left: 5px solid var(--hed-green);
  background: #f5fbf1;
  border-radius: 9px;
  padding: 18px 20px;
  min-height: 65px;
}

.hed-calc-result h3 {
  margin: 0 0 8px;
  color: var(--hed-navy);
}

.hed-result-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px;
  margin-top: 12px;
}

.hed-result-item {
  background: #fff;
  border: 1px solid #dce9d6;
  border-radius: 9px;
  padding: 12px;
}

.hed-result-item strong {
  display: block;
  color: var(--hed-navy);
  font-size: 18px;
}

.hed-note {
  border: 1px solid #ecdca5;
  background: #fffbeb;
  padding: 13px 15px;
  border-radius: 9px;
  color: #5f4b0b;
  font-size: 14px;
  margin-top: 20px;
}

.hed-recent-list {
  margin: 0;
  padding: 0;
  list-style: none;
  border-top: 1px solid var(--hed-border);
}

.hed-recent-list li {
  border-bottom: 1px solid var(--hed-border);
  padding: 14px 0;
}

.hed-recent-list a {
  color: var(--hed-navy);
  font-weight: 750;
  text-decoration: none;
}

.hed-status {
  display: inline-block;
  margin-left: 8px;
  font-size: 11px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .04em;
  border-radius: 999px;
  padding: 3px 8px;
  background: #edf7e9;
  color: #34731f;
}

/* GeneratePress-friendly refinements */
.site-logo img,
.navigation-branding img {
  width: auto;
  max-height: 66px;
}

.main-navigation .main-nav ul li a {
  font-weight: 650;
}

@media (max-width: 980px) {
  .hed-grid,
  .hed-grid--4 {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
  .hed-trust {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 640px) {
  .hed-grid,
  .hed-grid--4,
  .hed-form-grid,
  .hed-topic-list,
  .hed-result-grid {
    grid-template-columns: 1fr;
  }
  .hed-search {
    flex-direction: column;
  }
  .hed-search button {
    min-height: 46px;
  }
  .hed-hero {
    padding: 30px 22px;
  }
  .hed-section__head {
    display: block;
  }
}

.hed-designed-page .entry-header {
  display: none;
}

.hed-designed-page .site-content,
.hed-designed-page .content-area,
.hed-designed-page .site-main {
  overflow: visible;
}


/* Calculator suite v2 */
.hed-calculator-directory .hed-group-card h2,
.hed-calculator-article .hed-card h3 {
  margin-bottom: 8px;
}

.hed-calculator-article {
  max-width: 1080px;
}

.hed-calculator-article .hed-calculator {
  margin: 28px 0;
}

.hed-on-page {
  display: flex;
  flex-wrap: wrap;
  gap: 10px 18px;
  align-items: center;
  margin: 22px 0 36px;
  padding: 16px 20px;
  border: 1px solid var(--hed-border);
  border-radius: 12px;
  background: #f7fafc;
}

.hed-on-page strong {
  color: var(--hed-navy);
  margin-right: 6px;
}

.hed-on-page a {
  color: var(--hed-blue);
  font-weight: 650;
  text-decoration: none;
}

.hed-article-section {
  margin: 42px 0;
}

.hed-article-section > h2 {
  color: var(--hed-navy);
  margin-bottom: 16px;
}

.hed-article-section p,
.hed-article-section li {
  line-height: 1.75;
}

.hed-formula {
  margin: 18px 0;
  padding: 18px 20px;
  border-left: 5px solid var(--hed-green);
  border-radius: 8px;
  background: #f1f8ed;
  color: var(--hed-navy);
  font-size: 1.05rem;
  font-weight: 750;
}

.hed-table-wrap {
  overflow-x: auto;
  border: 1px solid var(--hed-border);
  border-radius: 12px;
}

.hed-input-table {
  width: 100%;
  border-collapse: collapse;
  margin: 0;
}

.hed-input-table th,
.hed-input-table td {
  padding: 14px 16px;
  border-bottom: 1px solid var(--hed-border);
  text-align: left;
  vertical-align: top;
}

.hed-input-table th {
  background: #f5f8fb;
  color: var(--hed-navy);
  font-size: .92rem;
}

.hed-input-table tr:last-child td {
  border-bottom: 0;
}

.hed-faq details {
  border: 1px solid var(--hed-border);
  border-radius: 10px;
  margin: 12px 0;
  background: #fff;
}

.hed-faq summary {
  cursor: pointer;
  padding: 16px 18px;
  color: var(--hed-navy);
  font-weight: 750;
}

.hed-faq details p {
  margin: 0;
  padding: 0 18px 18px;
}

.hed-result-note {
  margin-top: 14px;
  padding-top: 12px;
  border-top: 1px solid var(--hed-border);
  color: #4c5967;
  font-size: .92rem;
}

.hed-calc-result dl {
  display: grid;
  gap: 8px;
}

.hed-calc-result dl > div {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  border-bottom: 1px solid rgba(0,0,0,.07);
  padding: 8px 0;
}

.hed-calc-result dl > div:last-child {
  border-bottom: 0;
}

.hed-calc-result dt {
  color: #536170;
}

.hed-calc-result dd {
  margin: 0;
  color: var(--hed-navy);
  font-weight: 800;
  text-align: right;
}

@media (max-width: 640px) {
  .hed-on-page {
    display: block;
  }
  .hed-on-page strong,
  .hed-on-page a {
    display: block;
    margin: 7px 0;
  }
  .hed-calc-result dl > div {
    display: block;
  }
  .hed-calc-result dd {
    text-align: left;
    margin-top: 2px;
  }
}