.resource-hero{padding:148px 0 72px;background:#fff;border-bottom:1px solid var(--line)}
.resource-grid{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(320px,.85fr);gap:clamp(36px,6vw,88px);align-items:start}
.resource-lead{max-width:780px}
.resource-media{border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;background:#fff;box-shadow:var(--shadow)}
.resource-media img{width:100%;height:100%;display:block;object-fit:cover;aspect-ratio:16/10}
.resource-chip-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}
.resource-chip{display:inline-flex;align-items:center;padding:10px 14px;border:1px solid rgba(185,146,73,.28);background:rgba(185,146,73,.08);color:var(--gold);font-size:.72rem;letter-spacing:.12em;text-transform:uppercase;font-weight:800}
.quick-stats{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);border:1px solid var(--line);margin-top:42px}
.quick-stats article{background:#fff;padding:24px}
.quick-stats small{display:block;font-size:.66rem;text-transform:uppercase;letter-spacing:.16em;color:var(--gold);font-weight:850;margin-bottom:10px}
.quick-stats strong{display:block;font-size:1.12rem;line-height:1.2;color:var(--ink);margin-bottom:8px}
.quick-stats p{margin:0;font-size:.92rem;line-height:1.55;color:var(--muted)}
.resource-layout{display:grid;grid-template-columns:300px minmax(0,1fr);gap:clamp(32px,5vw,74px);align-items:start}
.resource-aside{position:sticky;top:112px;display:grid;gap:18px}
.resource-nav{border:1px solid var(--line);border-radius:var(--radius);background:#fff;box-shadow:var(--shadow);padding:22px}
.resource-nav a{display:block;padding:12px 0;border-top:1px solid var(--line-2);font-size:.75rem;letter-spacing:.12em;text-transform:uppercase;font-weight:850;color:var(--muted)}
.resource-nav a:first-of-type{border-top:0;padding-top:0}
.resource-nav a:hover{color:var(--gold)}
.resource-note{border:1px solid var(--line);border-radius:var(--radius);background:#fff;padding:22px;box-shadow:var(--shadow)}
.resource-note .small{margin:0}
.resource-content{display:grid;gap:34px}
.resource-section{border:1px solid var(--line);border-radius:var(--radius);background:#fff;padding:clamp(26px,4vw,40px);box-shadow:var(--shadow);scroll-margin-top:106px}
.resource-section h2{font-size:clamp(2rem,3vw,3rem);line-height:1.05;letter-spacing:-.045em;margin:0 0 18px;color:var(--ink)}
.resource-section h3{font-size:1.2rem;letter-spacing:-.02em;margin:0 0 10px;color:var(--ink)}
.resource-section p,.resource-section li{font-size:1rem;line-height:1.7;color:var(--muted)}
.resource-section p{margin:0 0 16px}
.resource-section ul{padding-left:18px;margin:0}
.resource-section .grid-2,.resource-section .grid-3{margin-top:26px}
.example-card{border:1px solid rgba(185,146,73,.22);background:linear-gradient(180deg,rgba(185,146,73,.08),rgba(255,255,255,0));padding:22px;border-radius:24px}
.example-card strong{display:block;font-size:.7rem;text-transform:uppercase;letter-spacing:.18em;color:var(--gold);margin-bottom:10px}
.example-card p{margin:0;font-size:.98rem}
.info-list{display:grid;gap:14px;margin-top:20px}
.info-item{padding:18px;border:1px solid var(--line);border-radius:18px;background:#fff}
.info-item strong{display:block;color:var(--ink);margin-bottom:8px}
.notice-band{border:1px solid rgba(16,37,63,.08);background:#fbfaf7;border-radius:22px;padding:20px 22px}
.notice-band p{margin:0}
.calculator-shell{display:grid;grid-template-columns:1.1fr .9fr;gap:1px;background:var(--line);border:1px solid var(--line);margin-top:24px}
.calculator-panel,.calculator-result{background:#fff;padding:28px}
.calc-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}
.calc-field{display:grid;gap:7px}
.calc-field label{font-size:.68rem;text-transform:uppercase;letter-spacing:.18em;font-weight:850;color:var(--muted)}
.calc-field input,.calc-field select{width:100%;border:1px solid var(--line);padding:14px;border-radius:0}
.calc-disclaimer{font-size:.84rem;line-height:1.55;color:var(--muted);margin-top:16px}
.result-kpi{display:grid;gap:18px}
.result-box{border:1px solid var(--line);padding:18px;border-radius:18px;background:#fff}
.result-box small{display:block;font-size:.66rem;text-transform:uppercase;letter-spacing:.16em;color:var(--gold);font-weight:850;margin-bottom:10px}
.result-box strong{display:block;font-size:1.9rem;line-height:1;color:var(--ink);margin-bottom:8px}
.result-box p{margin:0;font-size:.92rem;line-height:1.55;color:var(--muted)}
.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line)}
.related-grid a{background:#fff;padding:24px;display:block;min-height:180px}
.related-grid h3{margin:0 0 10px;font-size:1.18rem;letter-spacing:-.03em;color:var(--ink)}
.related-grid p{margin:0;font-size:.94rem;line-height:1.55;color:var(--muted)}
.breadcrumb--resources{margin-bottom:18px}
@media(max-width:1080px){.resource-grid,.resource-layout,.calculator-shell{grid-template-columns:1fr}.quick-stats,.related-grid{grid-template-columns:repeat(2,1fr)}.resource-aside{position:static}.calc-grid{grid-template-columns:1fr}}
@media(max-width:680px){.quick-stats,.related-grid{grid-template-columns:1fr}.resource-hero{padding:128px 0 60px}.resource-section{padding:24px 20px}}


/* Finance education cluster */
.comparison-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1px;background:var(--line);border:1px solid var(--line);margin-top:24px}
.comparison-card{background:#fff;padding:26px;min-height:250px}
.comparison-card h3{font-size:1.3rem;letter-spacing:-.03em;margin:0 0 14px;color:var(--ink)}
.comparison-card p,.comparison-card li{color:var(--muted);line-height:1.65}
.comparison-card ul{padding-left:18px;margin:14px 0 0}
.comparison-card--gold{background:linear-gradient(180deg,rgba(185,146,73,.10),#fff)}
.balance-banner{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:var(--line);border:1px solid var(--line);margin-top:24px}
.balance-banner article{background:#fff;padding:24px}
.balance-banner strong{display:block;font-size:1.05rem;color:var(--ink);margin-bottom:10px}
.balance-banner p{margin:0;color:var(--muted);line-height:1.6}
.tool-callout{display:grid;grid-template-columns:1fr auto;gap:22px;align-items:center;border:1px solid rgba(185,146,73,.28);background:rgba(185,146,73,.08);padding:22px;margin-top:24px}
.tool-callout p{margin:0}
.decision-output{border:1px solid var(--line);padding:22px;background:#fff;min-height:220px}
.decision-output h3{margin:0 0 12px;font-size:1.35rem;color:var(--ink)}
.decision-output p{margin:0 0 12px;color:var(--muted);line-height:1.62}
.decision-output ul{padding-left:18px;color:var(--muted);line-height:1.62}
.metric-pair{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}
.metric-pair .result-box{min-height:150px}
.source-links{display:grid;gap:12px;margin-top:20px}
.source-links a{display:block;border:1px solid var(--line);padding:16px 18px;color:var(--ink);font-weight:700}
.source-links a span{display:block;color:var(--muted);font-weight:400;font-size:.9rem;line-height:1.55;margin-top:6px}
@media(max-width:820px){.comparison-grid,.balance-banner,.metric-pair,.tool-callout{grid-template-columns:1fr}.tool-callout .btn{width:100%}}