:root{--navy:#102b38;--teal:#087e78;--mint:#50cfad;--ink:#152b34;--muted:#61747a;--line:#dce7e7;--bg:#f6f9f8}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font:16px/1.55 system-ui,-apple-system,Segoe UI,sans-serif;color:var(--ink);background:white}button,input,select{font:inherit}button{cursor:pointer}a{text-decoration:none;color:inherit}.header{height:84px;display:flex;align-items:center;justify-content:space-between;padding:0 max(4%,calc((100% - 1280px)/2));gap:24px;background:white;position:sticky;top:0;z-index:10;border-bottom:1px solid var(--line)}.brand{display:flex;gap:12px;align-items:center;font-weight:650;line-height:1.1;white-space:nowrap}.brand b{color:var(--teal)}.brand small{display:block;color:var(--muted);font-size:10px;letter-spacing:1.4px;margin-top:6px}.mark{display:grid;place-items:center;background:var(--navy);color:var(--mint);width:44px;height:44px;border-radius:12px;font-size:28px}.header nav{display:flex;gap:27px;font-size:14px}.header nav a:hover{color:var(--teal)}.switches{display:flex;gap:8px}.switches select,.smallbtn{border:1px solid var(--line);background:white;border-radius:9px;padding:9px 12px;color:var(--ink)}.hero{background:linear-gradient(115deg,#102b38 55%,#155f61);color:white;min-height:500px;display:grid;grid-template-columns:1.2fr 1fr;gap:70px;align-items:center;padding:70px max(5%,calc((100% - 1200px)/2))}.eyebrow{color:var(--teal);font-size:12px;text-transform:uppercase;letter-spacing:2px;font-weight:750}.hero .eyebrow{color:var(--mint)}h1{font-size:clamp(36px,4vw,60px);line-height:1.13;letter-spacing:-1.7px;margin:18px 0}h2{font-size:clamp(26px,2.5vw,38px);line-height:1.22;letter-spacing:-.8px;margin:10px 0 16px}.hero p{color:#d1e0e0;max-width:570px;font-size:18px}.heroActions{display:flex;gap:12px;flex-wrap:wrap;margin:30px 0}.primary,.secondary{display:inline-block;padding:13px 22px;border-radius:10px;font-weight:700;border:0}.primary{background:var(--mint);color:#102b38}.primary:hover{background:#8ee5ce}.secondary{border:1px solid #7faaa8;color:white}.heroStats{display:flex;gap:32px;margin-top:40px}.heroStats span{display:flex;flex-direction:column}.heroStats b{font-size:25px}.heroStats small{color:#c4d8d8}.glass{background:#ffffff15;border:1px solid #ffffff35;border-radius:22px;padding:30px;box-shadow:0 25px 80px #0003}.glass>span{font-size:14px;color:#d0e4e4}.glass strong{display:block;font-size:42px;margin:14px 0;color:var(--mint)}.glass svg{width:100%}.glass small{color:#bdd2d2}.section{max-width:1240px;margin:auto;padding:75px 24px}.sectionIntro{display:flex;justify-content:space-between;align-items:end;gap:24px}.sectionIntro p,.calcPanel p{color:var(--muted)}#search{width:280px;max-width:100%;padding:13px;border:1px solid var(--line);border-radius:10px}.filters{display:flex;gap:9px;flex-wrap:wrap;margin:26px 0}.filter{border:1px solid var(--line);border-radius:25px;padding:9px 17px;background:white;color:var(--muted)}.filter.active{background:var(--navy);color:white}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:17px}.toolCard{border:1px solid var(--line);border-radius:15px;background:white;padding:24px;text-align:left;min-height:185px;transition:.15s}.toolCard:hover{border-color:var(--teal);box-shadow:0 12px 28px #102b3814;transform:translateY(-2px)}.toolIcon{font-size:25px;background:#e7f5f1;display:grid;place-items:center;width:47px;height:47px;border-radius:12px;margin-bottom:12px}.toolCard strong{display:block;font-size:18px}.toolCard p{font-size:13px;color:var(--muted);margin:7px 0}.toolCard small{color:var(--teal)}.workspace{padding-top:20px}.workspaceHead{display:flex;justify-content:space-between;margin-bottom:22px}.textBtn{border:0;background:transparent;color:var(--teal);font-weight:700;padding:10px 0}.pill{background:#e8f7f2;color:#087e78;border-radius:20px;padding:7px 13px;font-size:12px;height:fit-content}.calcLayout{display:grid;grid-template-columns:1.15fr .85fr;gap:22px}.calcPanel,.resultPanel{border:1px solid var(--line);border-radius:18px;padding:32px}.resultPanel{background:var(--navy);color:white;align-self:start;position:sticky;top:100px}.resultPanel .eyebrow{color:var(--mint)}.field{display:block;margin:17px 0}.field span{display:block;font-weight:650;font-size:14px;margin-bottom:6px}.field input,.field select{width:100%;padding:12px;border:1px solid #cddcdb;border-radius:9px;background:white}.resultLine{padding:16px 0;border-bottom:1px solid #ffffff24}.resultLine small{display:block;color:#c6dbd9}.resultLine strong{display:block;font-size:30px;overflow-wrap:anywhere}.resultPanel p{color:#c6d7d7}.disclaimer{font-size:12px;margin-top:30px}.learn{background:var(--bg);max-width:none;padding-left:max(24px,calc((100% - 1192px)/2));padding-right:max(24px,calc((100% - 1192px)/2))}.articleGrid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:25px}.article{padding:25px;background:white;border:1px solid var(--line);border-radius:14px}.article h3{margin:10px 0}.article p{color:var(--muted);font-size:14px}.academy{background:#e5f5f0;padding:75px max(5%,calc((100% - 1192px)/2));display:grid;grid-template-columns:2fr 1fr;gap:50px;align-items:center}.academy p{max-width:600px}.academy .primary{background:var(--navy);color:white}.academyIcon{border-radius:100%;background:var(--navy);color:var(--mint);width:210px;height:210px;display:flex;align-items:center;justify-content:center;gap:10px;font-size:42px}.academyIcon span{color:white;font-size:21px;font-weight:800;line-height:1.15}.small{font-size:12px;color:var(--muted)}footer{padding:40px max(5%,calc((100% - 1192px)/2));display:flex;align-items:center;justify-content:space-between;gap:20px;background:var(--navy);color:white}footer p,footer small{color:#bad0d0;font-size:13px}.footerLinks{display:flex;gap:14px;flex-wrap:wrap}.footerLinks button{border:0;background:transparent;color:#d1e3e3;font-size:13px}dialog{border:0;border-radius:16px;max-width:620px;width:90%;padding:35px;box-shadow:0 25px 80px #0004}dialog::backdrop{background:#102b38a6}.dialogClose{float:right;background:transparent;border:0;font-size:20px}.cookieBanner{position:fixed;bottom:18px;left:18px;right:18px;z-index:20;background:white;border:1px solid var(--line);border-radius:14px;padding:16px 22px;box-shadow:0 15px 50px #0002;display:flex;justify-content:space-between;align-items:center;gap:20px}.cookieBanner[hidden],.workspace[hidden]{display:none!important}.cookieBanner p{margin:0;font-size:13px}@media(max-width:950px){.header nav{display:none}.hero{grid-template-columns:1fr;gap:24px}.heroArt{max-width:500px}.cards,.articleGrid{grid-template-columns:repeat(2,1fr)}.calcLayout{grid-template-columns:1fr}.resultPanel{position:static}}@media(max-width:620px){.header{padding:0 14px;height:72px}.brand{font-size:13px}.brand small{font-size:8px}.mark{width:35px;height:35px}.switches select{width:75px;padding:8px 4px}.hero{padding:50px 22px}.heroStats{gap:18px}.heroStats b{font-size:20px}.section{padding:48px 17px}.sectionIntro{display:block}#search{width:100%;margin-top:10px}.cards,.articleGrid{grid-template-columns:1fr}.calcPanel,.resultPanel{padding:22px}.academy{grid-template-columns:1fr;padding:45px 22px}.academyIcon{width:160px;height:160px}footer{display:block;padding:30px 22px}.footerLinks{margin:20px 0}.cookieBanner{flex-direction:column;align-items:start}}
/* Accessibility contrast improvements — KERA Finance Tools */
:root{--teal:#075e58;--muted:#42565b;--mint:#7ce3c1}
.hero,.resultPanel,footer{color:#fff}
.hero .eyebrow,.resultPanel .eyebrow{color:#a1f1d4}
.hero p,.heroStats small,.glass>span,.glass small,.resultLine small,.resultPanel p,footer p,footer small{color:#e7f4f1}
.glass strong{color:#b4ffe2}
.academy{background:#e4f4ee;color:#122f36}
.academy .eyebrow,.toolCard small,.textBtn{color:#075e58}
.filter.active,.academy .primary{background:#102b38;color:#fff}
.primary{background:#9bf0d2;color:#102b38}
.primary:hover{background:#b9f8e3}
.secondary{color:#fff;border-color:#c5e5df}
.pill{color:#075e58}
button:focus-visible,a:focus-visible,input:focus-visible,select:focus-visible{outline:3px solid #e0a82f;outline-offset:3px}

/* Three reserved ad placements; no tracking, no ads served until explicit setup. */
.ad-slot{max-width:1192px;margin:22px auto;padding:18px 20px;min-height:100px;border:1px dashed #93b2a8;background:#f2f8f5;border-radius:13px;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:5px;text-align:center;color:#24483f}.ad-slot-banner{min-height:110px}.ad-slot-middle{min-height:105px}.ad-slot-bottom{min-height:110px}.ad-label{font-size:13px;font-weight:750}.ad-caption{font-size:12px;color:#49655d}.academyBrand{justify-self:end;display:flex;align-items:center;flex-direction:column;gap:10px}.academyBrand small{font-size:11px;color:#30534b;text-align:center}.academy #academy-email{font-size:13px;font-weight:600;color:#123b35;scroll-margin-top:110px}@media(max-width:620px){.ad-slot{margin:16px 17px;min-height:85px}.academyBrand{justify-self:center}}