.skip-hero-card {
  background:
    radial-gradient(circle at 14% 15%, rgba(62, 150, 255, 0.17), transparent 30%),
    radial-gradient(circle at 90% 75%, rgba(31, 197, 164, 0.13), transparent 32%),
    #ffffff;
}

.skip-brand-stage {
  display: grid;
  gap: 18px;
  padding: 30px;
  background: linear-gradient(145deg, #edf7ff, #ffffff 58%, #effbf8);
  border-bottom: 1px solid var(--color-line);
}

.skip-brand-line {
  display: flex;
  gap: 18px;
  align-items: center;
  justify-content: space-between;
}

.skip-brand-line img {
  width: 210px;
  max-width: 58%;
  height: auto;
  aspect-ratio: 270 / 140;
  padding: 14px;
  object-fit: contain;
  background: #ffffff;
  border: 1px solid #d9e8f8;
  border-radius: 16px;
  box-shadow: 0 14px 34px rgba(18, 62, 112, 0.09);
}

.skip-brand-badge,
.verified-pill {
  display: inline-flex;
  gap: 7px;
  align-items: center;
  min-height: 36px;
  padding: 8px 12px;
  color: #0a664e;
  background: #e8f8f2;
  border-radius: 999px;
  font-size: 12px;
  font-weight: 900;
  line-height: 1.25;
}

.skip-brand-badge::before,
.verified-pill::before {
  content: "✓";
}

.skip-hero-numbers {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 10px;
}

.skip-hero-numbers div {
  padding: 14px;
  background: rgba(255, 255, 255, 0.88);
  border: 1px solid #d9e8f8;
  border-radius: 12px;
}

.skip-hero-numbers span,
.rating-list span,
.snapshot-grid span,
.product-label,
.fee-label,
.calc-result span,
.decision-result span,
.evidence-label {
  display: block;
  color: #61748c;
  font-size: 11px;
  font-weight: 900;
  letter-spacing: 0;
  text-transform: uppercase;
}

.skip-hero-numbers strong {
  display: block;
  margin-top: 6px;
  color: #071d3a;
  font-size: 21px;
  line-height: 1.08;
}

.skip-hero-numbers .skip-money-nowrap {
  display: inline-block;
  color: inherit;
  font-size: inherit;
  font-weight: inherit;
  line-height: inherit;
  text-transform: none;
  white-space: nowrap;
}

.skip-hero-card .review-score {
  margin-top: -14px;
  position: relative;
  z-index: 2;
}

.rating-list {
  display: grid;
  margin: 0 22px 22px;
  padding: 0;
  list-style: none;
  border-top: 1px solid #dce8f7;
}

.rating-list li {
  display: flex;
  gap: 16px;
  align-items: center;
  justify-content: space-between;
  padding: 12px 0;
  border-bottom: 1px solid #dce8f7;
}

.rating-list strong {
  color: #071d3a;
  text-align: right;
}

.article-hero-copy h1 {
  font-size: clamp(40px, 5.1vw, 66px);
}

.affiliate-note,
.editorial-note,
.warning-note,
.source-note {
  margin: 18px 0;
  padding: 16px 18px;
  color: #31445f;
  background: #f4f9ff;
  border: 1px solid #d8e7f7;
  border-left: 4px solid #1478e8;
  border-radius: 8px;
  font-size: 14px;
  line-height: 1.65;
}

.warning-note {
  border-left-color: #d97706;
  background: #fff9e9;
}

.affiliate-note strong,
.editorial-note strong,
.warning-note strong,
.source-note strong {
  color: #071d3a;
}

.snapshot-grid,
.product-grid,
.scenario-grid,
.experience-grid,
.action-grid,
.evidence-grid,
.decision-question-grid {
  display: grid;
  gap: 14px;
}

.snapshot-grid {
  grid-template-columns: repeat(4, minmax(0, 1fr));
  margin: 22px 0;
}

.snapshot-grid > div,
.product-card,
.scenario-card,
.experience-card,
.action-card,
.evidence-card,
.decision-question {
  padding: 18px;
  background: #f7fbff;
  border: 1px solid #dce8f7;
  border-radius: 10px;
}

.snapshot-grid strong {
  display: block;
  margin-top: 7px;
  color: #071d3a;
  font-size: clamp(21px, 3vw, 29px);
  line-height: 1.08;
}

.snapshot-grid p {
  margin: 7px 0 0;
  font-size: 14px;
  line-height: 1.55;
}

.inline-cta {
  display: flex;
  gap: 18px;
  align-items: center;
  justify-content: space-between;
  margin: 25px 0;
  padding: 22px;
  color: #ffffff;
  background: linear-gradient(135deg, #0f62bb, #1478e8);
  border-radius: 10px;
  box-shadow: 0 15px 34px rgba(15, 98, 187, 0.2);
}

.inline-cta h3,
.inline-cta p {
  color: inherit;
}

.inline-cta h3 {
  margin: 0 0 6px;
}

.inline-cta p {
  margin: 0;
  opacity: 0.91;
}

.score-panel,
.calculator-card,
.decision-tool,
.author-review-box {
  margin: 22px 0;
  padding: clamp(20px, 4vw, 30px);
  background: #ffffff;
  border: 1px solid #dce8f7;
  border-radius: 10px;
  box-shadow: 0 14px 34px rgba(13, 41, 75, 0.07);
}

.score-panel__header {
  display: grid;
  grid-template-columns: 112px minmax(0, 1fr);
  gap: 22px;
  align-items: center;
}

.score-panel__total {
  display: grid;
  place-items: center;
  width: 108px;
  height: 108px;
  color: #0f6bcf;
  background:
    radial-gradient(circle at center, #fff 0 56%, transparent 57%),
    conic-gradient(#1478e8 0 82%, #dce8f7 82% 100%);
  border-radius: 50%;
  box-shadow: inset 0 0 0 1px rgba(15, 34, 64, 0.08);
}

.score-panel__total strong {
  color: #071d3a;
  font-size: 31px;
  line-height: 1;
}

.score-panel__total span {
  display: block;
  margin-top: 4px;
  color: #61748c;
  font-size: 11px;
  font-weight: 900;
  text-align: center;
  text-transform: uppercase;
}

.score-breakdown {
  display: grid;
  gap: 13px;
  margin-top: 22px;
  padding-top: 20px;
  border-top: 1px solid #dce8f7;
}

.score-row {
  display: grid;
  grid-template-columns: minmax(205px, 1fr) minmax(150px, 1.2fr) 62px;
  gap: 14px;
  align-items: center;
}

.score-row > span:first-child {
  color: #31445f;
  font-size: 14px;
  font-weight: 800;
}

.score-row small {
  color: #6b7d95;
  font-weight: 700;
}

.score-row__bar {
  overflow: hidden;
  height: 9px;
  background: #e7eef8;
  border-radius: 999px;
}

.score-row__bar i {
  display: block;
  width: var(--score-width);
  height: 100%;
  background: linear-gradient(90deg, #1478e8, #43a2ff);
  border-radius: inherit;
}

.score-row strong {
  color: #071d3a;
  text-align: right;
}

.product-grid,
.scenario-grid,
.experience-grid,
.action-grid,
.evidence-grid,
.decision-question-grid {
  grid-template-columns: repeat(2, minmax(0, 1fr));
  margin-top: 20px;
}

.product-card,
.scenario-card,
.experience-card,
.action-card,
.evidence-card {
  background: #ffffff;
  box-shadow: 0 10px 25px rgba(13, 41, 75, 0.05);
}

.product-card h3,
.scenario-card h3,
.experience-card h3,
.action-card h3,
.evidence-card h3 {
  margin: 7px 0 8px;
  font-size: 21px;
}

.product-card p,
.scenario-card p,
.experience-card p,
.action-card p,
.evidence-card p {
  margin: 0;
  font-size: 15px;
  line-height: 1.65;
}

.product-card.featured {
  border-color: rgba(20, 120, 232, 0.38);
  background: linear-gradient(180deg, #edf6ff, #ffffff);
}

.fee-table-wrap,
.timeline-table-wrap {
  overflow-x: auto;
  margin-top: 20px;
  border: 1px solid #dce8f7;
  border-radius: 10px;
}

.fee-table,
.timeline-table {
  width: 100%;
  min-width: 720px;
  border-collapse: collapse;
  background: #ffffff;
}

.fee-table th,
.fee-table td,
.timeline-table th,
.timeline-table td {
  padding: 15px 16px;
  text-align: left;
  vertical-align: top;
  border-bottom: 1px solid #dce8f7;
}

.fee-table th,
.timeline-table th {
  color: #071d3a;
  background: #edf6ff;
  font-size: 12px;
  font-weight: 900;
  text-transform: uppercase;
}

.fee-table tr:last-child td,
.timeline-table tr:last-child td {
  border-bottom: 0;
}

.calculator-card {
  border-color: rgba(20, 120, 232, 0.28);
  background: linear-gradient(180deg, #f3f8ff, #ffffff);
}

.calculator-tabs {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin: 20px 0;
  padding: 5px;
  background: #e8f2ff;
  border-radius: 10px;
}

.calculator-tab {
  flex: 1 1 210px;
  min-height: 44px;
  padding: 10px 14px;
  color: #27405f;
  background: transparent;
  border: 0;
  border-radius: 7px;
  cursor: pointer;
  font: inherit;
  font-weight: 900;
}

.calculator-tab[aria-selected="true"] {
  color: #ffffff;
  background: #1478e8;
  box-shadow: 0 7px 18px rgba(20, 120, 232, 0.2);
}

.calculator-panel[hidden] {
  display: none;
}

.calc-input-grid,
.calc-results {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
}

.calc-input-grid label {
  display: grid;
  gap: 7px;
  color: #243b58;
  font-size: 14px;
  font-weight: 900;
}

.calc-input-grid input,
.calc-input-grid select {
  width: 100%;
  min-height: 48px;
  padding: 11px 13px;
  color: #071d3a;
  background: #ffffff;
  border: 1px solid #b9cce3;
  border-radius: 7px;
  font: inherit;
  font-variant-numeric: tabular-nums;
}

.calc-input-grid input:focus-visible,
.calc-input-grid select:focus-visible {
  border-color: #1478e8;
  outline: 3px solid rgba(20, 120, 232, 0.22);
}

.calc-results {
  margin-top: 17px;
}

.calc-result {
  min-height: 104px;
  padding: 17px;
  background: #ffffff;
  border: 1px solid #dce8f7;
  border-radius: 8px;
}

.calc-result.is-warning {
  background: #fff9e9;
  border-color: #f0c96d;
}

.calc-result strong,
.decision-result strong {
  display: block;
  margin-top: 7px;
  color: #071d3a;
  font-size: 24px;
  line-height: 1.1;
}

.calc-message,
.decision-result {
  margin: 15px 0 0;
  padding: 14px 16px;
  color: #31445f;
  background: #eaf3ff;
  border-radius: 7px;
  font-size: 14px;
  line-height: 1.6;
}

.calc-message[data-state="warning"],
.decision-result[data-state="warning"] {
  color: #744800;
  background: #fff0c7;
}

.decision-result[data-state="stop"] {
  color: #7f1d1d;
  background: #feecec;
}

.calculator-disclaimer,
.decision-disclaimer {
  margin: 14px 0 0;
  color: #6b7d95;
  font-size: 13px;
  line-height: 1.6;
}

.decision-question {
  display: grid;
  gap: 12px;
  background: #ffffff;
}

.decision-question > span {
  color: #071d3a;
  font-weight: 900;
  line-height: 1.45;
}

.decision-options {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}

.decision-options label {
  display: inline-flex;
  gap: 7px;
  align-items: center;
  min-height: 38px;
  padding: 7px 11px;
  color: #31445f;
  background: #f4f9ff;
  border: 1px solid #dce8f7;
  border-radius: 999px;
  cursor: pointer;
  font-weight: 800;
}

.decision-options input {
  width: 18px;
  height: 18px;
  accent-color: #1478e8;
}

.decision-actions {
  display: flex;
  gap: 12px;
  align-items: center;
  flex-wrap: wrap;
  margin-top: 18px;
}

.author-review-box {
  display: grid;
  grid-template-columns: 64px minmax(0, 1fr);
  gap: 18px;
  align-items: start;
  background: #f8fbff;
}

.author-mark {
  display: grid;
  place-items: center;
  width: 58px;
  height: 58px;
  color: #ffffff;
  background: linear-gradient(135deg, #0f62bb, #1f9bed);
  border-radius: 17px;
  font-size: 21px;
  font-weight: 900;
}

.author-review-box h3 {
  margin: 0 0 7px;
}

.author-review-box p {
  margin: 0 0 8px;
}

.author-links {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
  font-size: 14px;
}

.source-list {
  display: grid;
  gap: 11px;
  margin: 18px 0 0;
  padding: 0;
  list-style: none;
}

.source-list li {
  padding: 14px 16px;
  background: #f8fbff;
  border: 1px solid #dce8f7;
  border-radius: 8px;
}

.source-list a {
  display: inline;
}

.mobile-skip-cta {
  display: none;
}

@media (max-width: 980px) {
  .snapshot-grid,
  .skip-hero-numbers {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 640px) {
  .article-hero-copy h1 {
    font-size: clamp(33px, 10.2vw, 42px);
  }

  .skip-brand-stage {
    padding: 20px;
  }

  .skip-brand-line {
    align-items: flex-start;
    flex-direction: column;
  }

  .skip-brand-line img {
    max-width: 100%;
  }

  .skip-hero-numbers,
  .snapshot-grid,
  .product-grid,
  .scenario-grid,
  .experience-grid,
  .action-grid,
  .evidence-grid,
  .decision-question-grid,
  .score-panel__header,
  .score-row,
  .calc-input-grid,
  .calc-results,
  .author-review-box {
    grid-template-columns: 1fr;
  }

  .score-row {
    gap: 7px;
  }

  .score-row strong {
    text-align: left;
  }

  .inline-cta {
    align-items: stretch;
    flex-direction: column;
  }

  .inline-cta .button {
    width: 100%;
  }

  .mobile-skip-cta {
    position: fixed;
    right: 10px;
    bottom: 10px;
    left: 10px;
    z-index: 30;
    display: grid;
    grid-template-columns: minmax(0, 1fr) auto;
    gap: 10px;
    align-items: center;
    padding: 10px 10px 10px 14px;
    color: #ffffff;
    background: rgba(6, 27, 55, 0.96);
    border: 1px solid rgba(255, 255, 255, 0.15);
    border-radius: 12px;
    box-shadow: 0 16px 38px rgba(6, 27, 55, 0.28);
    backdrop-filter: blur(10px);
  }

  .mobile-skip-cta span {
    font-size: 12px;
    font-weight: 800;
    line-height: 1.35;
  }

  .mobile-skip-cta .button {
    min-height: 42px;
    padding: 9px 13px;
    font-size: 13px;
  }

  .site-footer {
    padding-bottom: 86px;
  }
}

@media (prefers-reduced-motion: reduce) {
  .calculator-tab,
  .mobile-skip-cta {
    scroll-behavior: auto;
  }
}