:root {
  --calvora-color-primary:#063845; --calvora-color-primary-2:#0b4a59; --calvora-color-accent:#c8871d;
  --calvora-color-accent-hover:#a96f12; --calvora-color-text:#102431; --calvora-color-muted:#52646e;
  --calvora-color-surface:#fff; --calvora-color-surface-alt:#f2f6f7; --calvora-color-border:#dfe7e9;
  --calvora-color-dark:#042b35; --calvora-gutter:clamp(18px,3vw,42px); --calvora-container:1240px;
}
.calvora-power-widget, .calvora-widget-section { font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif; color:var(--calvora-color-text); }
.calvora-container{width:min(100% - (var(--calvora-gutter)*2),var(--calvora-container));margin-inline:auto}
.calvora-widget-section *{box-sizing:border-box}
.calvora-widget-section img{display:block;max-width:100%}
.calvora-widget-section h1,.calvora-widget-section h2,.calvora-widget-section h3,.calvora-widget-section p{margin-top:0}
.calvora-widget-section a{color:inherit}
.calvora-eyebrow{margin:0 0 10px;color:var(--calvora-color-primary);font-size:.7rem;font-weight:800;letter-spacing:.24em;text-transform:uppercase}
.calvora-eyebrow--gold{color:#f2c96c}
.calvora-button{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:42px;padding:10px 17px;border:1px solid transparent;border-radius:6px;text-decoration:none;font-weight:750;font-size:.84rem;line-height:1.1;transition:transform .18s ease,background-color .18s ease}
.calvora-button--gold{background:var(--calvora-color-accent);color:#fff}.calvora-button--gold:hover{background:var(--calvora-color-accent-hover);transform:translateY(-1px)}
.calvora-button--light{background:#fff;color:var(--calvora-color-primary)}.calvora-button--light:hover{background:#f6f8f8;transform:translateY(-1px)}
.calvora-actions{display:flex;flex-wrap:wrap;gap:10px}.calvora-rule{display:block;width:38px;height:3px;background:var(--calvora-color-accent);margin:16px 0}
.calvora-icon-circle{flex:0 0 38px;width:38px;height:38px;display:grid;place-items:center;border:1px solid var(--calvora-color-border);border-radius:50%;background:#fff;color:var(--calvora-color-accent)}
.calvora-icon-circle svg,.calvora-icon-circle i{font-size:18px}.calvora-section{padding:58px 0}.calvora-section-header{text-align:center;max-width:760px;margin:0 auto 30px}.calvora-section-header h2{margin-bottom:8px;font-size:clamp(1.8rem,3vw,2.7rem);line-height:1.08;letter-spacing:-.035em}.calvora-section-header>p:last-child{margin:0;color:var(--calvora-color-muted);font-size:.88rem}
.calvora-hero{position:relative;min-height:365px;overflow:hidden;isolation:isolate;color:#fff}.calvora-hero__media,.calvora-hero__overlay{position:absolute;inset:0}.calvora-hero__media img{width:100%;height:100%;object-fit:cover;object-position:center 55%}.calvora-hero__overlay{z-index:-1}.calvora-hero__inner{min-height:365px;position:relative;display:flex;align-items:center;justify-content:space-between;gap:40px;padding-block:46px}.calvora-hero__content{max-width:620px;color:#071d26}.calvora-hero h1{margin-bottom:14px;font-size:clamp(2.45rem,5vw,4.6rem);font-weight:850;line-height:1.02;letter-spacing:-.045em}.calvora-hero__description{max-width:610px;font-size:1rem;line-height:1.5;margin-bottom:20px}.calvora-hero-card{width:min(100%,250px);padding:20px;margin-top:24px;border-radius:10px;background:rgba(2,39,49,.94);box-shadow:0 18px 45px rgba(0,0,0,.24)}.calvora-hero-card h2{font-size:1.22rem;line-height:1.14;color:#fff}.calvora-hero-card p{margin:0;font-size:.76rem;line-height:1.45;color:rgba(255,255,255,.86)}
.calvora-trust-strip{background:rgba(255,255,255,.96);border-bottom:1px solid var(--calvora-color-border);box-shadow:0 5px 18px rgba(0,0,0,.05);position:relative;z-index:3}.calvora-trust-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;padding:13px 0}.calvora-trust-item{display:flex;align-items:center;gap:10px}.calvora-trust-item h2{margin:0 0 2px;font-size:.82rem}.calvora-trust-item p{margin:0;font-size:.68rem;line-height:1.35;color:var(--calvora-color-muted)}
.calvora-card-grid{display:grid;gap:12px}.calvora-category-card,.calvora-guide-card{overflow:hidden;display:flex;flex-direction:column;min-width:0;border:1px solid var(--calvora-color-border);border-radius:7px;background:#fff;box-shadow:0 3px 10px rgba(5,42,52,.035);transition:transform .18s ease,box-shadow .18s ease}.calvora-category-card:hover,.calvora-guide-card:hover{transform:translateY(-3px);box-shadow:0 14px 34px rgba(5,42,52,.14)}.calvora-card-image{width:100%;aspect-ratio:2.2/1;object-fit:cover}.calvora-card-body,.calvora-guide-card__body{display:flex;flex-direction:column;flex:1;padding:12px 14px 14px}.calvora-card-icon{width:34px;height:34px;display:grid;place-items:center;margin-top:-28px;margin-bottom:7px;border-radius:50%;background:#fff;color:var(--calvora-color-accent);box-shadow:0 2px 8px rgba(0,0,0,.12)}.calvora-card-icon svg,.calvora-card-icon i{font-size:18px}.calvora-category-card h3,.calvora-guide-card h3{margin:0 0 5px;font-size:.98rem;line-height:1.15}.calvora-category-card p,.calvora-guide-card p{color:var(--calvora-color-muted);font-size:.76rem;line-height:1.4;margin:0 0 10px}.calvora-text-link{margin-top:auto;display:inline-flex;align-items:center;gap:5px;color:var(--calvora-color-accent-hover);font-size:.76rem;font-weight:800;text-decoration:none}.calvora-tools-section{background:var(--calvora-color-primary);color:#fff;padding:14px 0}.calvora-tools-layout{display:grid;grid-template-columns:31% 1fr;gap:18px;align-items:stretch}.calvora-tool-feature{position:relative;min-height:160px;border-radius:7px;overflow:hidden}.calvora-tool-feature>img{width:100%;height:100%;object-fit:cover}.calvora-tool-feature:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(0,20,26,.82),rgba(0,20,26,.12))}.calvora-tool-feature__overlay{position:absolute;inset:auto 24px 20px;z-index:1}.calvora-tool-feature__overlay h2{margin:0;font-size:1.4rem;line-height:1.1;color:#fff}.calvora-tool-feature__overlay p{margin:0;font-size:.72rem}.calvora-tools-content{padding:6px 0 4px}.calvora-tools-content h2{font-size:1.5rem;margin:0 0 4px;color:#fff}.calvora-tools-content>p:not(.calvora-eyebrow){color:rgba(255,255,255,.78);font-size:.76rem;margin-bottom:12px}.calvora-tool-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:9px}.calvora-tool-card{min-height:94px;display:flex;flex-direction:column;padding:12px;background:#fff;color:var(--calvora-color-text);border-radius:6px}.calvora-tool-card__icon{color:var(--calvora-color-accent);width:20px;height:20px;margin-bottom:7px}.calvora-tool-card__icon svg,.calvora-tool-card__icon i{font-size:18px}.calvora-tool-card h3{font-size:.76rem;margin:0 0 4px;line-height:1.15}.calvora-tool-card p{font-size:.65rem;line-height:1.35;color:var(--calvora-color-muted);margin:0 0 6px}.calvora-tool-card a{margin-top:auto;text-decoration:none;color:var(--calvora-color-accent-hover);font-size:.68rem;font-weight:800}.calvora-guide-card__category{font-size:.58rem;font-weight:850;letter-spacing:.08em;text-transform:uppercase;margin-bottom:7px}.calvora-resilience-section{background:#eef4f6;padding:24px 0}.calvora-resilience-layout{display:grid;grid-template-columns:38% 62%;align-items:center}.calvora-resilience-copy{padding-right:36px}.calvora-resilience-copy h2{font-size:1.35rem;margin-bottom:7px}.calvora-resilience-copy p{max-width:590px;font-size:.76rem;color:var(--calvora-color-muted);margin-bottom:10px}.calvora-stats-grid{display:grid;grid-template-columns:repeat(4,1fr)}.calvora-stat{padding:8px 20px;border-left:1px solid #d7e2e5}.calvora-stat__icon{color:var(--calvora-color-accent);width:21px;height:21px;margin-bottom:6px}.calvora-stat strong{display:block;font-size:1.18rem;line-height:1.1;margin-bottom:4px}.calvora-stat>span{display:block;font-size:.62rem;line-height:1.35;color:var(--calvora-color-muted)}.calvora-stat__source{display:block;margin-top:6px;font-size:.58rem}.calvora-newsletter{position:relative;overflow:hidden;color:#fff;min-height:108px}.calvora-newsletter__media,.calvora-newsletter__overlay{position:absolute;inset:0}.calvora-newsletter__media img{width:100%;height:100%;object-fit:cover}.calvora-newsletter__inner{position:relative;min-height:108px;display:grid;grid-template-columns:55% 45%;align-items:center}.calvora-newsletter__headline{padding-right:30px}.calvora-newsletter__headline h2{font-size:1.55rem;margin:0;color:#fff}.calvora-newsletter__form{padding:16px 0 16px 26px;background:rgba(1,32,40,.65);align-self:stretch;display:flex;flex-direction:column;justify-content:center}.calvora-newsletter__form h2{font-size:.98rem;margin:0 0 4px;color:#fff}.calvora-newsletter__form p{font-size:.67rem;color:rgba(255,255,255,.8);margin-bottom:7px}.calvora-newsletter__row{display:flex;gap:7px}.calvora-newsletter__row input{min-width:0;flex:1;border:0;border-radius:5px;padding:9px 10px;font-size:.72rem}.calvora-newsletter__note{font-size:.58rem!important;margin-top:4px!important}.calvora-authority-section{background:#f7f9fa;padding:24px 0}.calvora-authority-layout{display:grid;grid-template-columns:43% 57%;align-items:center}.calvora-authority-layout>div:first-child{padding-right:30px}.calvora-authority-layout h2{font-size:1.2rem;margin-bottom:5px}.calvora-authority-layout p{margin:0;font-size:.68rem;line-height:1.45;color:var(--calvora-color-muted)}.calvora-authority-grid{display:grid;grid-template-columns:repeat(4,1fr)}.calvora-authority-item{display:flex;flex-direction:column;align-items:center;text-align:center;gap:5px;padding:0 9px;border-left:1px solid var(--calvora-color-border)}.calvora-authority-item .calvora-icon-circle{width:30px;height:30px;flex-basis:30px}.calvora-authority-item strong{font-size:.62rem;line-height:1.15}.calvora-authority-item small{font-size:.55rem;color:var(--calvora-color-muted)}
@media(max-width:1100px){.calvora-card-grid{grid-template-columns:repeat(3,minmax(0,1fr))}.calvora-tools-layout{grid-template-columns:1fr}.calvora-tool-feature{min-height:220px}.calvora-tool-grid{grid-template-columns:repeat(4,1fr)}}
@media(max-width:900px){.calvora-hero__inner{align-items:flex-end}.calvora-trust-grid{grid-template-columns:repeat(2,1fr)}.calvora-resilience-layout{grid-template-columns:1fr;gap:20px}.calvora-resilience-copy{padding-right:0}.calvora-newsletter__inner{grid-template-columns:1fr}.calvora-newsletter__headline{padding:24px 0 14px}.calvora-newsletter__form{padding:16px 0 22px;background:transparent}.calvora-authority-layout{grid-template-columns:1fr;gap:20px}.calvora-authority-layout>div:first-child{padding-right:0}}
@media(max-width:680px){.calvora-hero{min-height:610px}.calvora-hero__inner{min-height:610px;display:block;padding-top:52px}.calvora-hero h1{font-size:clamp(2.15rem,11vw,3.2rem)}.calvora-hero-card{width:100%;max-width:360px;margin-top:24px;padding:16px}.calvora-trust-grid{grid-template-columns:1fr}.calvora-section{padding:44px 0}.calvora-card-grid{grid-template-columns:1fr}.calvora-category-card,.calvora-guide-card{max-width:520px;margin-inline:auto;width:100%}.calvora-tool-grid{grid-template-columns:repeat(2,1fr)}.calvora-stats-grid{grid-template-columns:repeat(2,1fr);gap:12px 0}.calvora-stat{border-left:0;padding:8px 14px;border-top:1px solid #d7e2e5}.calvora-stat:nth-child(odd){border-right:1px solid #d7e2e5}.calvora-newsletter__headline h2{font-size:1.35rem}.calvora-newsletter__row{flex-direction:column}.calvora-authority-grid{grid-template-columns:repeat(2,1fr);gap:16px 0}.calvora-authority-item:nth-child(3){border-left:0}}
@media(max-width:420px){.calvora-actions{flex-direction:column;align-items:stretch}.calvora-actions .calvora-button{width:100%}.calvora-tool-grid{grid-template-columns:1fr}}
@media(prefers-reduced-motion:reduce){.calvora-widget-section *{scroll-behavior:auto!important;transition-duration:.01ms!important;animation-duration:.01ms!important}}

/* Calvora Power 3.0 website-wide components */
.calvora-utility-bar{background:#003f4a;color:#fff;font-size:11px;line-height:1}.calvora-utility-bar .calvora-container{min-height:28px;display:flex;align-items:center;justify-content:space-between;gap:20px}.calvora-utility-bar nav{display:flex;gap:18px}.calvora-utility-bar a{color:#fff;text-decoration:none;opacity:.92}.calvora-utility-bar a:hover{opacity:1;text-decoration:underline}
.calvora-site-header{background:#fff;border-bottom:1px solid #e7edef;position:relative;z-index:10}.calvora-header-row{min-height:72px;display:flex;align-items:center;gap:24px}.calvora-brand{display:inline-flex;align-items:center;min-width:165px;text-decoration:none;color:#09232c}.calvora-brand img{display:block;max-width:170px;max-height:50px;width:auto;height:auto}.calvora-brand-text{font-size:20px;line-height:.9;letter-spacing:.08em;font-weight:800}.calvora-brand-text strong{display:block;font-weight:900}.calvora-main-nav{display:flex;align-items:center;justify-content:center;gap:19px;flex:1}.calvora-main-nav a{font-size:12px;font-weight:700;color:#0b2d37;text-decoration:none;white-space:nowrap}.calvora-main-nav a:hover{color:#b77711}.calvora-header-actions{display:flex;align-items:center;gap:10px}.calvora-header-search{display:flex;align-items:center;border:1px solid #dce5e8;border-radius:5px;overflow:hidden;background:#fff}.calvora-header-search input{width:0;opacity:0;padding:0;border:0;transition:.2s;width:0}.calvora-header-search:focus-within input{width:120px;opacity:1;padding:7px 8px}.calvora-header-search button{border:0;background:#fff;color:#0b2d37;padding:7px 9px;cursor:pointer;font-size:17px}.calvora-mobile-menu{display:none;position:relative}.calvora-mobile-menu summary{list-style:none;cursor:pointer;font-size:24px}.calvora-mobile-menu summary::-webkit-details-marker{display:none}.calvora-mobile-panel{position:absolute;right:0;top:45px;width:min(88vw,320px);padding:14px;background:#fff;border:1px solid #dce5e8;border-radius:8px;box-shadow:0 18px 40px rgba(0,0,0,.16);display:flex;flex-direction:column;gap:3px}.calvora-mobile-panel a{padding:10px 8px;color:#09232c;text-decoration:none;font-weight:700}.calvora-mobile-panel .calvora-button{color:#fff;text-align:center;margin-top:7px}
.calvora-breadcrumbs{max-width:1240px;margin:0 auto;padding:13px 20px;display:flex;align-items:center;gap:8px;color:#6a7b82;font-size:12px}.calvora-breadcrumbs a{color:#176276;text-decoration:none}.calvora-breadcrumbs span:last-child{color:#20343b;font-weight:700}
.calvora-content-split{padding:62px 0}.calvora-content-split__grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}.calvora-content-split--left .calvora-content-split__copy{order:2}.calvora-content-split--left .calvora-content-split__media{order:1}.calvora-content-split__copy h2{font-size:clamp(2rem,3.4vw,3rem);line-height:1.05;letter-spacing:-.035em;margin:0 0 14px}.calvora-content-split__media{overflow:hidden;border-radius:9px;min-height:320px}.calvora-content-split__media img{display:block;width:100%;height:100%;min-height:320px;object-fit:cover}.calvora-richtext{color:#51666d;line-height:1.7;margin-bottom:20px}.calvora-richtext p:last-child{margin-bottom:0}
.calvora-cta-banner{background:#032a34 center/cover no-repeat;color:#fff;padding:42px 0}.calvora-cta-banner .calvora-container{display:flex;align-items:center;justify-content:space-between;gap:30px}.calvora-cta-banner h2{color:#fff;font-size:clamp(1.8rem,3.2vw,2.8rem);line-height:1.05;margin:0 0 8px;max-width:760px}.calvora-cta-banner p{margin:0;color:rgba(255,255,255,.8);max-width:700px}
.calvora-faq-list{max-width:920px;margin:0 auto}.calvora-faq-list details{border-top:1px solid var(--calvora-color-border);padding:0}.calvora-faq-list details:last-child{border-bottom:1px solid var(--calvora-color-border)}.calvora-faq-list summary{list-style:none;cursor:pointer;padding:19px 0;font-weight:800;display:flex;justify-content:space-between;gap:20px}.calvora-faq-list summary::-webkit-details-marker{display:none}.calvora-faq-list summary span{color:var(--calvora-color-accent);font-size:20px}.calvora-faq-list details[open] summary span{transform:rotate(45deg)}.calvora-faq-list details>div{padding:0 30px 20px 0;color:var(--calvora-color-muted);line-height:1.65;font-size:.9rem}
.calvora-comparison-wrap{overflow-x:auto;border:1px solid var(--calvora-color-border);border-radius:8px}.calvora-comparison{width:100%;min-width:720px;border-collapse:collapse;background:#fff}.calvora-comparison th,.calvora-comparison td{padding:13px 15px;border-bottom:1px solid var(--calvora-color-border);text-align:left;font-size:.78rem}.calvora-comparison thead th{background:#052e38;color:#fff;font-weight:800}.calvora-comparison tbody th{font-weight:800;background:#f6f9fa}.calvora-comparison tr:last-child th,.calvora-comparison tr:last-child td{border-bottom:0}
.calvora-product-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}.calvora-product-card{overflow:hidden;border:1px solid var(--calvora-color-border);border-radius:9px;background:#fff;box-shadow:0 4px 16px rgba(5,42,52,.05)}.calvora-product-card>img{width:100%;aspect-ratio:1.6/1;object-fit:cover}.calvora-product-card>div{padding:17px}.calvora-product-card small{color:var(--calvora-color-accent-hover);font-weight:800;text-transform:uppercase;letter-spacing:.08em;font-size:.62rem}.calvora-product-card h3{margin:6px 0;font-size:1.05rem}.calvora-product-card p{font-size:.8rem;line-height:1.5;color:var(--calvora-color-muted)}
.calvora-related-heading{font-size:1.8rem;margin:0 0 20px}.calvora-related-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px}.calvora-related-card{display:flex;flex-direction:column;gap:8px;padding:18px;border:1px solid var(--calvora-color-border);border-radius:8px;background:#fff;text-decoration:none;color:var(--calvora-color-text);transition:.18s}.calvora-related-card:hover{transform:translateY(-2px);box-shadow:0 12px 28px rgba(5,42,52,.1)}.calvora-related-card strong{font-size:.95rem}.calvora-related-card span{font-size:.75rem;color:var(--calvora-color-muted);line-height:1.45}.calvora-related-card b{margin-top:auto;color:var(--calvora-color-accent-hover)}
.calvora-site-footer{background:#022731;color:#fff;padding-top:42px}.calvora-footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:36px;padding-bottom:34px}.calvora-footer-brand{font-size:20px;letter-spacing:.08em;font-weight:800;line-height:.95}.calvora-footer-brand strong{display:block}.calvora-site-footer p{color:rgba(255,255,255,.72);font-size:.75rem;max-width:220px;line-height:1.5}.calvora-site-footer h3{font-size:.85rem;margin:0 0 12px;color:#fff}.calvora-site-footer ul{list-style:none;margin:0;padding:0;display:grid;gap:7px}.calvora-site-footer a{color:rgba(255,255,255,.72);text-decoration:none;font-size:.72rem}.calvora-site-footer a:hover{color:#fff}.calvora-footer-bottom{border-top:1px solid rgba(255,255,255,.12);min-height:48px;display:flex;align-items:center;justify-content:space-between;gap:20px;color:rgba(255,255,255,.6);font-size:.62rem}
@media(max-width:1100px){.calvora-main-nav{gap:11px}.calvora-main-nav a{font-size:11px}.calvora-product-grid{grid-template-columns:repeat(2,1fr)}.calvora-related-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:900px){.calvora-main-nav,.calvora-header-actions{display:none}.calvora-mobile-menu{display:block;margin-left:auto}.calvora-header-row{min-height:64px}.calvora-utility-bar .calvora-container{padding-block:7px}.calvora-utility-bar nav{display:none}.calvora-content-split__grid{grid-template-columns:1fr;gap:28px}.calvora-content-split--left .calvora-content-split__copy,.calvora-content-split--left .calvora-content-split__media{order:initial}.calvora-cta-banner .calvora-container{flex-direction:column;align-items:flex-start}.calvora-footer-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:680px){.calvora-utility-bar{font-size:9px}.calvora-header-row{padding-inline:16px}.calvora-content-split{padding:44px 0}.calvora-content-split__media,.calvora-content-split__media img{min-height:250px}.calvora-product-grid,.calvora-related-grid{grid-template-columns:1fr}.calvora-footer-grid{grid-template-columns:1fr 1fr;gap:25px}.calvora-footer-bottom{flex-direction:column;align-items:flex-start;justify-content:center;padding:12px 20px}.calvora-breadcrumbs{padding-inline:16px}.calvora-cta-banner{padding:34px 0}}
@media(max-width:430px){.calvora-footer-grid{grid-template-columns:1fr}.calvora-utility-bar .calvora-container{padding-inline:12px}.calvora-brand-text{font-size:18px}}