:root{color-scheme:light;--bg: #f8fafc;--bg-strong: #f1f5f9;--paper: #ffffff;--paper-soft: #fafbfc;--ink: #0f172a;--muted: #64748b;--line: #e2e8f0;--line-strong: #cbd5e1;--brand: #2563eb;--brand-dark: #1e40af;--brand-soft: #eff6ff;--accent: #dc2626;--accent-ink: #991b1b;--accent-soft: #fef2f2;--success-soft: #f0fdf4;--warning-soft: #fffbeb;--shadow: 0 1px 3px rgba(15, 23, 42, .08), 0 1px 2px rgba(15, 23, 42, .05);--shadow-soft: 0 4px 16px rgba(15, 23, 42, .07);font-family:Inter,system-ui,-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif}*{box-sizing:border-box}body{margin:0;background:var(--bg);color:var(--ink);font-size:17px;line-height:1.65}a{color:var(--brand-dark);text-decoration-thickness:1px;text-underline-offset:.22em}a:focus-visible,button:focus-visible,input:focus-visible,textarea:focus-visible{outline:2px solid var(--brand);outline-offset:3px}.skip-link{position:fixed;left:16px;top:16px;z-index:100;transform:translateY(-140%);padding:10px 14px;border-radius:6px;background:var(--paper);color:var(--ink);font-weight:700}.skip-link:focus{transform:translateY(0)}img{max-width:100%;height:auto}.site-shell{min-height:100vh}.container{width:min(1160px,calc(100% - 32px));margin:0 auto}.topbar{background:var(--paper);border-bottom:1px solid var(--line);font-size:12px;color:var(--muted)}.topbar .container{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:6px 0}.topbar-note{flex-shrink:0;color:var(--muted);font-size:11px}.rates{display:flex;align-items:center;gap:20px;flex-wrap:wrap}.rate-item{display:inline-flex;align-items:center;gap:5px;font-variant-numeric:tabular-nums;font-weight:500;color:var(--ink)}.rate-item.skeleton{width:72px;height:14px;border-radius:4px;background:var(--bg-strong);animation:pulse 1.4s ease-in-out infinite}.rate-diff{font-size:11px;font-weight:400}.rate-diff.up{color:#16a34a}.rate-diff.dn{color:var(--accent)}@keyframes pulse{0%,to{opacity:1}50%{opacity:.45}}.header{position:sticky;top:0;z-index:20;background:#fffffff7;border-bottom:1px solid var(--line);backdrop-filter:blur(8px)}.header-inner{display:flex;align-items:center;justify-content:space-between;gap:24px;padding:14px 0}.brand{display:inline-flex;align-items:center;gap:10px;min-width:200px;color:var(--ink);font-weight:700;text-decoration:none}.brand-mark{display:grid;place-items:center;width:36px;height:36px;border-radius:6px;background:var(--brand-soft);border:1px solid var(--line)}.brand-mark img{width:32px;height:32px;object-fit:contain}.brand small{display:block;max-width:260px;color:var(--muted);font-size:12px;font-weight:400;line-height:1.3;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}.nav{display:flex;flex:1 1 auto;align-items:center;gap:2px;flex-wrap:nowrap;justify-content:flex-end;min-width:0;font-size:14px;font-weight:500}.nav a{display:inline-flex;align-items:center;min-height:36px;padding:6px 10px;border-radius:6px;color:var(--muted);text-decoration:none;white-space:nowrap;transition:background-color .15s,color .15s}.nav a:hover{background:var(--bg-strong);color:var(--ink)}.nav a[aria-current=page]{background:var(--brand-soft);color:var(--brand-dark);font-weight:600}.hero{padding:52px 0 40px;border-bottom:1px solid var(--line);background:var(--paper)}.hero-grid{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(320px,.9fr);gap:48px;align-items:start}.eyebrow{display:inline-flex;align-items:center;gap:8px;margin:0 0 12px;color:var(--brand);font-size:12px;font-weight:600;letter-spacing:.06em;text-transform:uppercase}h1,h2,h3{margin:0;color:var(--ink);line-height:1.15;font-weight:700}h1{max-width:820px;font-size:42px;letter-spacing:-.02em}h2{font-size:30px;letter-spacing:-.01em}h3{font-size:20px}.lead{max-width:680px;margin:16px 0 0;color:var(--muted);font-size:18px;line-height:1.6}.hero-actions,.inline-actions{display:flex;flex-wrap:wrap;gap:10px;margin-top:28px}.button{display:inline-flex;align-items:center;justify-content:center;min-height:42px;padding:9px 18px;border:1px solid var(--brand);border-radius:6px;background:var(--brand);color:#fff;font-size:14px;font-weight:600;text-decoration:none;cursor:pointer;touch-action:manipulation;transition:background-color .15s,border-color .15s}.button:disabled{opacity:.5;cursor:not-allowed}.button.secondary{background:transparent;color:var(--brand-dark)}.button:hover{background:var(--brand-dark);border-color:var(--brand-dark)}.button.secondary:hover{background:var(--brand-soft);color:var(--brand-dark)}.text-link{display:inline-flex;align-items:center;gap:4px;min-height:36px;margin-top:auto;color:var(--brand-dark);font-size:14px;font-weight:600;text-decoration:none}.text-link:after{content:"→";font-size:13px}.panel{border:1px solid var(--line);border-radius:8px;background:var(--paper);box-shadow:var(--shadow)}.audit-panel{padding:24px;background:var(--paper)}.metric-list{display:grid;gap:12px;margin:18px 0 0}.metric{display:grid;grid-template-columns:minmax(0,1fr) auto;align-items:center;gap:12px;padding-bottom:12px;border-bottom:1px solid var(--line)}.metric:last-child{padding-bottom:0;border-bottom:0}.metric strong{display:block;font-size:19px;line-height:1.2}.metric span{color:var(--muted);font-size:14px}.section{padding:48px 0}.section-muted{background:var(--bg-strong);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.section-head{display:flex;align-items:end;justify-content:space-between;gap:24px;margin-bottom:24px}.section-head p{max-width:580px;margin:8px 0 0;color:var(--muted)}.grid{display:grid;gap:16px}.grid.three{grid-template-columns:repeat(3,minmax(0,1fr))}.grid.two{grid-template-columns:repeat(2,minmax(0,1fr))}.card{display:flex;flex-direction:column;min-height:100%;padding:20px;border:1px solid var(--line);border-radius:8px;background:var(--paper);transition:border-color .15s}.card:hover{border-color:var(--line-strong);box-shadow:var(--shadow-soft)}.card p{color:var(--muted)}.tag{display:inline-flex;margin-bottom:10px;padding:2px 8px;border-radius:3px;border:1px solid var(--line);background:transparent;color:var(--muted);font-size:11px;font-weight:600;letter-spacing:.05em;text-transform:uppercase}.offer-card{border-color:var(--line);background:var(--paper)}.offer-card .button{width:fit-content;margin-top:auto}.offer-card .tag{background:var(--brand-soft);color:var(--brand-dark)}.article-list{display:grid;gap:12px}.article-row{padding:20px;border:1px solid var(--line);border-radius:8px;background:var(--paper);transition:border-color .15s,box-shadow .15s}.article-row:hover{border-color:var(--line-strong);box-shadow:var(--shadow-soft)}.article-row h3{margin:8px 0 6px;font-size:18px;line-height:1.3}.article-row h3 a{color:var(--ink);text-decoration:none}.article-row h3 a:hover{color:var(--brand-dark);text-decoration:underline}.article-row-top{display:flex;align-items:center;gap:8px}.article-intent-label{font-size:11px;color:var(--muted)}.article-desc{margin:0 0 10px;color:var(--muted);font-size:15px;line-height:1.5}.article-meta{display:flex;flex-wrap:wrap;gap:10px;color:var(--muted);font-size:13px}.article-page{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:32px;align-items:start}.article-body{padding:28px 32px;border:1px solid var(--line);border-radius:8px;background:var(--paper)}.article-header{padding-bottom:20px;margin-bottom:4px;border-bottom:1px solid var(--line)}.article-header .article-meta{margin-top:12px}.article-body p{max-width:72ch;margin:16px 0}.legacy-article h1{max-width:820px}.legacy-article .article-meta{margin-top:12px}.legacy-hero-image{margin:24px 0 10px}.legacy-hero-image img,.legacy-content img{display:block;max-width:min(100%,780px);margin:18px 0;border-radius:6px}.legacy-content{margin-top:20px}.legacy-content p,.legacy-content li,.legacy-content blockquote{max-width:72ch}.legacy-content ul,.legacy-content ol{max-width:72ch;padding-left:24px}.legacy-content blockquote{position:relative;margin:24px 0;padding:16px 20px 16px 48px;border:0;border-left:3px solid var(--line-strong);border-radius:0 6px 6px 0;background:var(--bg-strong);color:var(--muted)}.legacy-content blockquote:before{content:"“";position:absolute;top:10px;left:14px;color:var(--line-strong);font-size:30px;font-weight:700;line-height:1}.legacy-content table{width:100%;border-collapse:collapse;margin:24px 0;font-size:15px}.legacy-content th,.legacy-content td{padding:10px 12px;border:1px solid var(--line);text-align:left;vertical-align:top}.sidebar{position:sticky;top:86px;display:grid;gap:14px}.disclosure{color:var(--muted);font-size:13px;line-height:1.5}.comments{margin-top:28px;padding:24px;border:1px solid var(--line);border-radius:8px;background:var(--paper)}.comments form{display:grid;gap:12px;margin-top:16px}.comments label{display:grid;gap:6px;color:var(--ink);font-size:14px;font-weight:600}.comments input,.comments textarea{width:100%;border:1px solid var(--line);border-radius:6px;padding:10px 12px;font:inherit;font-size:15px;background:var(--paper);color:var(--ink)}.comments input:focus,.comments textarea:focus{border-color:var(--brand);outline:none}.comments textarea{min-height:100px;resize:vertical}.comment-list{display:grid;gap:10px;margin-top:16px}.comment{padding:12px 14px;border-radius:6px;background:var(--bg-strong)}.comment strong{display:block;font-size:14px}.comment time{color:var(--muted);font-size:12px}.metric-link{display:inline-flex;align-items:center;font-size:14px;font-weight:600;color:var(--brand);text-decoration:none;white-space:nowrap}.metric-link:hover{color:var(--brand-dark);text-decoration:underline}.risk-link{display:flex;align-items:center;justify-content:center;min-height:40px;padding:8px;border:1px solid var(--line);border-radius:6px;background:var(--paper);color:var(--ink);font-size:13px;font-weight:500;text-align:center;text-decoration:none;transition:border-color .15s,background .15s}.risk-link:hover{background:var(--brand-soft);border-color:var(--brand);color:var(--brand-dark)}.faq-section{margin-top:28px;padding:24px;border:1px solid var(--line);border-radius:8px;background:var(--paper)}.faq-section h2{margin:0 0 16px;font-size:20px}.faq-list{display:grid;gap:8px}.faq-item{padding:14px 16px;border:1px solid var(--line);border-radius:6px;background:var(--paper-soft)}.faq-item[open]{border-color:var(--brand);background:var(--brand-soft)}.faq-q{font-size:15px;font-weight:600;color:var(--ink);cursor:pointer;list-style:none;padding-right:24px;position:relative}.faq-q:after{content:"+";position:absolute;right:0;top:0;color:var(--brand);font-size:16px;line-height:1;font-weight:400}.faq-item[open] .faq-q:after{content:"−"}.faq-q::-webkit-details-marker{display:none}.faq-a{margin:10px 0 0;color:var(--muted);font-size:15px;line-height:1.6}.breadcrumbs{display:flex;flex-wrap:wrap;align-items:center;gap:6px;padding:12px 0 0;color:var(--muted);font-size:13px}.breadcrumbs a{color:var(--brand-dark);font-weight:500;text-decoration:none}.breadcrumbs a:hover{text-decoration:underline}.breadcrumbs span[aria-hidden]{color:var(--line-strong)}.breadcrumbs span[aria-current]{color:var(--ink);overflow:hidden;text-overflow:ellipsis;white-space:nowrap;max-width:320px}.related-articles{margin-top:28px;padding:20px;border:1px solid var(--line);border-radius:8px;background:var(--paper)}.related-list{display:grid;gap:8px;margin-top:12px}.related-item{display:flex;justify-content:space-between;align-items:center;gap:12px;padding:12px 14px;border:1px solid var(--line);border-radius:6px;background:var(--paper-soft);text-decoration:none;transition:border-color .15s}.related-item:hover{border-color:var(--brand)}.related-title{color:var(--ink);font-size:14px;font-weight:500;line-height:1.35}.related-meta{flex-shrink:0;color:var(--muted);font-size:12px}.article-body h2{margin:32px 0 12px;font-size:22px;font-weight:700}.article-body h3{margin:24px 0 10px;font-size:18px}.article-body ul,.article-body ol{max-width:72ch;padding-left:22px;color:var(--muted);line-height:1.65}.article-body li{margin-bottom:6px}.article-body li strong{color:var(--ink)}.footer{margin-top:40px;padding:32px 0;background:var(--ink);color:#fff9}.footer a{color:#ffffffd9;text-decoration:none}.footer a:hover{color:#fff}.footer-grid{display:grid;grid-template-columns:1fr auto;gap:24px}.footer p{max-width:480px;margin:8px 0 0;font-size:14px;line-height:1.55}.footer-grid>div:last-child{display:flex;flex-wrap:wrap;gap:14px;align-content:start;font-size:14px}.trust-note{max-width:720px;margin:18px 0 0;padding:12px 16px;border-left:3px solid var(--line-strong);background:var(--bg-strong);color:var(--muted);font-size:15px;border-radius:0 6px 6px 0}.scenario-strip{display:flex;flex-wrap:wrap;gap:8px;margin-top:20px}.scenario-strip a{display:inline-flex;align-items:center;min-height:38px;padding:7px 12px;border:1px solid var(--line);border-radius:6px;background:var(--paper);color:var(--ink);font-size:14px;font-weight:500;text-decoration:none;transition:border-color .15s,background .15s}.scenario-strip a:hover{border-color:var(--brand);background:var(--brand-soft);color:var(--brand-dark)}.scenario-strip span{margin-right:7px;color:var(--brand);font-size:12px;font-weight:600;font-variant-numeric:tabular-nums}.risk-scale{display:grid;grid-template-columns:repeat(3,1fr);gap:6px;margin-top:20px}.risk-scale span{min-height:40px;padding:8px;border:1px solid var(--line);border-radius:6px;background:var(--paper-soft);color:var(--muted);font-size:13px;font-weight:500;text-align:center}.calc-input{width:100%;border:1px solid var(--line);border-radius:6px;padding:10px 12px;font:inherit;font-size:16px;background:var(--paper);color:var(--ink);transition:border-color .15s}.calc-input:focus{border-color:var(--brand);outline:none}@media(prefers-reduced-motion:reduce){*,*:before,*:after{scroll-behavior:auto!important;transition-duration:.01ms!important;animation-duration:.01ms!important;animation-iteration-count:1!important}}@media(max-width:1180px)and (min-width:901px){.header-inner{gap:16px}.brand{min-width:170px}.brand small{display:none}.nav{gap:2px;font-size:13px}.nav a{padding:6px 8px}}@media(max-width:900px){.section-head{align-items:start;flex-direction:column}.header-inner{align-items:stretch;flex-direction:column;gap:12px}.nav{flex-wrap:nowrap;gap:6px;justify-content:flex-start;overflow-x:auto;padding-bottom:4px;scrollbar-width:none}.nav::-webkit-scrollbar{display:none}.nav a{flex:0 0 auto;border:1px solid var(--line);white-space:nowrap}.footer-grid,.hero-grid,.article-page,.grid.three,.grid.two{grid-template-columns:1fr}h1{max-width:100%;font-size:34px}h2{font-size:26px}.offer-card .button{width:100%}.sidebar{position:static}}@media(max-width:560px){.container{width:min(100% - 24px,1160px)}body{font-size:16px}h1{font-size:28px}h2{font-size:23px}.lead{font-size:17px}.topbar-note{display:none}.hero{padding:32px 0 28px}.brand{align-items:flex-start;min-width:0}.brand-mark{width:32px;height:32px}.brand-mark img{width:28px;height:28px}.card,.article-body,.comments,.audit-panel{padding:16px}.hero-actions,.inline-actions,.scenario-strip{display:grid;grid-template-columns:1fr}.button,.scenario-strip a{width:100%}.metric{grid-template-columns:1fr;gap:4px}.risk-scale{grid-template-columns:1fr}}
