:root {
  --ink:#102b35; --ink-2:#37545c; --muted:#596f76; --paper:#fffdf8; --surface:#f4f8f5;
  --line:#dbe6e1; --navy:#0b2b36; --teal:#008b83; --teal-dark:#006d68; --mint:#dff5ec;
  --coral:#ff7359; --coral-text:#aa3f2d; --sun:#f7c85e; --white:#fff; --radius:16px; --radius-sm:9px;
  --font:Inter,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif; --display:-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
}
*,*::before,*::after{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);background:var(--paper);font-family:var(--font);line-height:1.65;-webkit-font-smoothing:antialiased}body.menu-open{overflow:hidden}img{display:block;max-width:100%}a{color:inherit;text-decoration:none}button,input,select{font:inherit}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid var(--sun);outline-offset:3px}h1,h2,h3{font-family:var(--display);line-height:1.13;letter-spacing:-.035em;margin:0;color:var(--ink)}p{margin:0 0 1rem;color:var(--ink-2)}ul{padding-left:1.2rem}.container{width:min(1180px,calc(100% - 40px));margin-inline:auto}.narrow{max-width:850px}.article-width{max-width:780px}.skip-link{position:fixed;left:1rem;top:-5rem;z-index:1000;padding:.65rem 1rem;background:#fff;border:2px solid var(--teal);border-radius:8px}.skip-link:focus{top:1rem}.button{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:.75rem 1.1rem;border:1px solid transparent;border-radius:8px;font-weight:700;cursor:pointer;transition:background .16s,color .16s,border-color .16s}.button-primary{background:var(--coral);color:#271711}.button-primary:hover{background:#ff866f}.button-secondary{background:rgba(255,255,255,.1);border-color:rgba(255,255,255,.38);color:#fff}.button-secondary:hover{background:rgba(255,255,255,.18)}.button-dark{background:var(--navy);color:#fff}.button-dark:hover{background:#174450}.text-link,.card-action{display:inline-flex;align-items:center;gap:.45rem;color:var(--teal-dark);font-weight:700}.link-arrow{width:28px;height:14px;transition:transform .18s}.text-link:hover .link-arrow,.market-card:hover .link-arrow,.tool-card:hover .link-arrow,.article-list article:hover .link-arrow{transform:translateX(4px)}

/* Header and professional mobile menu */
.site-header{height:74px;position:sticky;top:0;z-index:300;background:rgba(255,253,248,.96);backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}.nav-row{height:100%;display:flex;align-items:center;gap:1.4rem}.brand{display:flex;align-items:center;gap:.52rem;font:800 1.28rem var(--display);letter-spacing:-.055em;white-space:nowrap}.brand>span>span{color:var(--teal)}.brand img{border-radius:10px}.desktop-nav{display:flex;align-items:center;gap:.2rem;margin-left:auto}.desktop-nav a{padding:.48rem .62rem;border-radius:7px;color:var(--ink-2);font-size:.88rem;font-weight:600}.desktop-nav a:hover,.desktop-nav a[aria-current=page]{background:var(--mint);color:var(--teal-dark)}.nav-cta{padding:.55rem .78rem;border:1px solid var(--teal);border-radius:8px;color:var(--teal-dark);font-size:.82rem;font-weight:700}.nav-cta:hover{background:var(--teal);color:#fff}.menu-button{display:none;align-items:center;gap:.65rem;min-height:42px;padding:.4rem .2rem .4rem .75rem;border:0;border-left:1px solid var(--line);background:transparent;color:var(--ink);cursor:pointer}.menu-label{font-size:.72rem;font-weight:800;letter-spacing:.06em;text-transform:uppercase}.menu-icon{position:relative;width:23px;height:20px}.menu-icon i{position:absolute;right:0;height:2px;border-radius:2px;background:currentColor;transition:.2s}.menu-icon i:first-child{top:6px;width:23px}.menu-icon i:last-child{top:13px;width:16px}.menu-button.open{color:var(--teal)}.menu-button.open i{top:10px;width:20px}.menu-button.open i:first-child{transform:rotate(45deg)}.menu-button.open i:last-child{transform:rotate(-45deg)}.mobile-menu{display:none;position:fixed;inset:74px 0 0;z-index:290;background:var(--navy);color:#fff;overflow-y:auto}.mobile-menu.open{display:block}.mobile-menu-inner{padding-block:1.4rem 4rem}.mobile-menu-head{display:flex;justify-content:space-between;align-items:end;gap:1rem;padding-bottom:1rem;border-bottom:1px solid rgba(255,255,255,.14)}.mobile-menu-head strong{font:700 1.18rem var(--display)}.mobile-menu-head p{margin:.2rem 0 0;color:#b9d1d3;font-size:.77rem}.mobile-menu-head>span{color:#8eb1b4;font-size:.66rem}.mobile-featured{display:grid;grid-template-columns:repeat(3,1fr);border-bottom:1px solid rgba(255,255,255,.14)}.mobile-featured>div{position:relative;display:grid;grid-template-columns:34px 1fr;column-gap:.65rem;align-items:center;padding:1rem .2rem}.mobile-featured>div+div{border-left:1px solid rgba(255,255,255,.14);padding-left:1rem}.mini-icon{grid-row:1/3;display:grid;place-items:center;width:32px;height:32px;border-left:2px solid var(--coral);color:#88ded3}.mobile-featured strong,.mobile-featured small{display:block}.mobile-featured strong{font-size:.78rem}.mobile-featured small{color:#9eb8bb;font-size:.64rem}.mobile-nav-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem 2rem;margin-top:1.5rem}.mobile-nav-grid section h2{padding-bottom:.55rem;border-bottom:1px solid rgba(255,255,255,.14);color:#fff;font:800 .66rem var(--font);letter-spacing:.1em;text-transform:uppercase}.mobile-nav-grid section h2::before{content:"";display:inline-block;width:14px;height:3px;margin-right:.55rem;background:var(--coral);vertical-align:middle}.mobile-nav-grid section>a{display:flex;justify-content:space-between;padding:.62rem .1rem;border-bottom:1px solid rgba(255,255,255,.09);color:#c9d9da;font-size:.76rem;font-weight:600}.mobile-nav-grid section>a:hover{color:#7de0d4}

/* Home */
.hero{position:relative;min-height:610px;overflow:hidden;background:var(--navy)}.hero::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(5,32,41,.98) 0%,rgba(5,32,41,.92) 40%,rgba(5,32,41,.2) 72%,rgba(5,32,41,.1) 100%)}.hero-art{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}.hero-grid{position:relative;z-index:2;display:grid;align-items:center;min-height:610px}.hero-copy{max-width:650px;padding:4rem 0}.hero h1{max-width:620px;color:#fff;font-size:clamp(3rem,6vw,5.4rem);line-height:.98}.hero-copy>p{max-width:590px;margin-top:1.4rem;color:#d6e4e5;font-size:1.15rem}.hero-actions{display:flex;flex-wrap:wrap;gap:.7rem;margin-top:1.8rem}.hero p.hero-note{font-size:.75rem;color:#9fb9bb}.rate-strip{border-bottom:1px solid var(--line);background:#fff}.rate-status{display:flex;align-items:center;gap:.65rem;min-height:58px;font-size:.78rem}.rate-status>span:nth-of-type(2){color:var(--muted)}.rate-status>a{margin-left:auto;color:var(--teal-dark);font-weight:700}.status-dot{width:9px;height:9px;border-radius:50%;background:var(--sun)}.status-live{background:#25a66a}.status-unavailable{background:var(--coral)}.section{padding-block:5.5rem}.section-tint{background:var(--surface)}.section-heading{display:flex;justify-content:space-between;align-items:end;gap:2rem;margin-bottom:2rem}.section-heading h2{font-size:clamp(2rem,4vw,3rem)}.section-heading p{margin:.6rem 0 0}.market-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem}.market-card{position:relative;overflow:hidden;border:1px solid var(--line);border-radius:var(--radius);background:#fff}.market-card img{width:100%;aspect-ratio:1.42/1;object-fit:cover}.market-card-body{padding:1.2rem}.market-card h3{font-size:1.15rem}.market-card p{margin:.6rem 0 1rem;font-size:.84rem}.market-card-body>span{display:inline-flex;align-items:center;gap:.4rem;color:var(--teal-dark);font-size:.75rem;font-weight:700}.stretched-link::after{content:"";position:absolute;inset:0}.split-feature{display:grid;grid-template-columns:1.15fr .85fr;gap:5rem;align-items:start}.split-feature h2{font-size:clamp(2rem,4vw,3.4rem)}.split-feature>div>p{font-size:1.04rem;margin-top:1rem}.check-list{display:grid;gap:.5rem;margin:1.5rem 0 2rem;list-style:none;padding:0}.check-list li{position:relative;padding-left:1.7rem}.check-list li::before{content:"✓";position:absolute;left:0;color:var(--teal);font-weight:800}.comparison-note{padding:1.7rem;background:var(--navy);border-radius:var(--radius);color:#fff}.comparison-note h3{color:#fff;font-size:1.35rem}.comparison-note dl{margin:1rem 0 0}.comparison-note dl div{padding:.9rem 0;border-top:1px solid rgba(255,255,255,.14)}.comparison-note dt{font-weight:800}.comparison-note dd{margin:.2rem 0 0;color:#bed2d3;font-size:.84rem}.tool-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem}.tool-grid-all{grid-template-columns:repeat(3,1fr)}.tool-card{position:relative;min-height:250px;padding:1.4rem;border:1px solid var(--line);border-top:4px solid var(--teal);border-radius:var(--radius);background:#fff}.tool-symbol{display:grid;place-items:center;width:48px;height:48px;margin-bottom:1.2rem;border-radius:50%;background:var(--mint);color:var(--teal-dark);font:700 1.3rem var(--display)}.tool-card h2,.tool-card h3{font-size:1.18rem}.tool-card p{margin:.65rem 0 1.3rem;font-size:.88rem}.tool-category{display:block;margin-bottom:.5rem;color:var(--teal-dark);font-size:.7rem;font-weight:800}.card-action{position:absolute;left:1.4rem;bottom:1.25rem;font-size:.76rem}.magazine-section{background:var(--navy);color:#fff}.magazine-section h2,.magazine-section h3{color:#fff}.magazine-section .section-heading p{color:#bad0d1}.magazine-section .text-link{color:#7de0d4}.magazine-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:1px;background:rgba(255,255,255,.15)}.story-card{position:relative;min-height:220px;padding:1.5rem;background:var(--navy)}.story-card.story-lead{grid-row:span 2;min-height:440px;display:flex;flex-direction:column;justify-content:end;background:#123b47}.story-card h3,.story-card h2{font-size:1.2rem}.story-card.story-lead h3{font-size:2rem}.story-card p{margin:.7rem 0 0;color:#b9cdcf;font-size:.86rem}.story-meta{margin-bottom:.8rem;color:#83d9d0;font-size:.68rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em}

/* Interior pages */
.page-hero{padding:5rem 0 4rem;background:var(--surface);border-bottom:1px solid var(--line)}.page-hero h1{font-size:clamp(2.6rem,5vw,4.5rem)}.page-hero p{max-width:760px;margin-top:1rem;font-size:1.1rem}.data-banner{display:flex;align-items:center;gap:1rem;margin-top:1.5rem;padding:1rem;border:1px solid var(--line);border-left:4px solid var(--sun);border-radius:8px;background:#fff;font-size:.82rem}.data-live{border-left-color:#25a66a}.data-unavailable{border-left-color:var(--coral)}.page-grid{display:grid;grid-template-columns:minmax(0,1fr) 310px;gap:3rem;padding-block:4rem}.rate-section{scroll-margin-top:100px;margin-bottom:3.5rem}.rate-title{display:flex;justify-content:space-between;align-items:start;gap:1rem;margin-bottom:1.1rem}.rate-title h2{font-size:1.8rem}.rate-title p{margin:.35rem 0 0;font-size:.88rem}.rate-title>a{white-space:nowrap;color:var(--teal-dark);font-size:.76rem;font-weight:700}.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:12px;background:#fff}table{width:100%;border-collapse:collapse;font-size:.83rem}thead{background:var(--navy);color:#fff}th,td{padding:.82rem .9rem;text-align:left;border-bottom:1px solid var(--line)}tbody tr:last-child th,tbody tr:last-child td{border-bottom:0}tbody th{font-weight:700}tbody tr:nth-child(even){background:#f8faf8}/* No table hover shadow by design. */
.pending{display:inline-block;padding:.15rem .45rem;border-radius:20px;background:#fff0eb;color:#8d3a2d;font-size:.7rem;font-weight:700}.table-source{margin-top:.7rem;font-size:.72rem}.table-source a{color:var(--teal-dark);text-decoration:underline}.sidebar{display:flex;flex-direction:column;gap:1rem}.side-card{padding:1.3rem;border:1px solid var(--line);border-radius:12px;background:#fff}.side-card h2{font-size:1.05rem}.side-card p,.side-card li{font-size:.8rem}.side-card ul{margin:.8rem 0 1rem}.side-card form{display:grid;gap:.75rem}.side-card label{display:grid;gap:.25rem;color:var(--ink);font-size:.72rem;font-weight:700}.side-card input,.side-card select{width:100%;padding:.65rem;border:1px solid #c8d6d1;border-radius:7px;background:#fff;color:var(--ink)}.side-card input:focus,.side-card select:focus{outline:3px solid rgba(0,139,131,.15);border-color:var(--teal)}.honeypot{position:absolute;left:-10000px}.form-success,.form-error{margin:.8rem 0;padding:.6rem;border-radius:6px;font-size:.75rem}.form-success{background:#e5f7ed;color:#176b45}.form-error{background:#ffebe7;color:#8d3a2d}.guide-hubs{display:grid;grid-template-columns:1fr 1fr;gap:1.2rem}.hub-card{position:relative;display:grid;grid-template-columns:190px 1fr;overflow:hidden;border:1px solid var(--line);border-radius:var(--radius);background:#fff}.hub-card img{width:100%;height:100%;object-fit:cover}.hub-card>div{padding:1.3rem}.hub-card h2{font-size:1.25rem}.hub-card p{margin:.6rem 0;font-size:.82rem}.hub-card span{display:inline-flex;align-items:center;gap:.4rem;color:var(--teal-dark);font-size:.72rem;font-weight:700}.hub-hero{padding:4.5rem 0;background:var(--navy);color:#fff}.hub-hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:4rem;align-items:center}.hub-hero h1{color:#fff;font-size:clamp(2.8rem,5vw,4.5rem)}.hub-hero p{margin-top:1rem;color:#c3d5d6;font-size:1.05rem}.hub-hero img{border-radius:var(--radius);aspect-ratio:1.6/1;object-fit:cover}.breadcrumbs{display:flex;flex-wrap:wrap;gap:.45rem;margin-bottom:1.1rem;color:var(--teal-dark);font-size:.72rem;font-weight:700}.hub-hero .breadcrumbs{color:#8ce1d6}.article-list{border-top:1px solid var(--line)}.article-list article{position:relative;display:grid;grid-template-columns:1fr auto;align-items:center;gap:1rem;padding:1.6rem .2rem;border-bottom:1px solid var(--line)}.article-list article>div>span{color:var(--teal-dark);font-size:.68rem;font-weight:700}.article-list h2{margin:.35rem 0;font-size:1.35rem}.article-list p{margin:0;font-size:.86rem}.round-arrow{display:grid;place-items:center;width:46px;height:46px;border:1px solid var(--line);border-radius:50%;color:var(--teal)}.article-header{padding:4rem 0 3rem;background:var(--surface);border-bottom:1px solid var(--line)}.article-header h1{font-size:clamp(2.5rem,5vw,4.25rem)}.dek{margin-top:1.1rem;font-size:1.15rem}.byline{display:flex;flex-wrap:wrap;gap:.55rem 1.2rem;margin-top:1.4rem;color:var(--muted);font-size:.72rem;font-weight:600}.post-cover{width:100%;margin-top:2rem;border-radius:var(--radius);aspect-ratio:16/9;object-fit:cover}.article-layout{display:grid;grid-template-columns:minmax(0,740px) 280px;gap:4rem;justify-content:center;padding-block:4rem}.article-body{font-size:1.03rem}.article-body>section{margin-top:2.8rem}.article-body h2{font-size:1.75rem;margin-bottom:.8rem}.article-body h3{font-size:1.3rem;margin-top:2rem}.article-body p{color:#2f4a52}.article-body a{color:var(--teal-dark);text-decoration:underline;text-underline-offset:2px}.takeaways{padding:1.35rem;border-left:4px solid var(--coral);background:#fff5ef}.takeaways h2{font-size:1.1rem}.takeaways ul{margin:.7rem 0 0}.takeaways li{margin:.45rem 0;color:var(--ink-2)}.reader-note{margin-top:3rem;padding:1.5rem;border-radius:12px;background:var(--mint)}.reader-note h2{font-size:1.3rem}.sources ul{padding-left:1.1rem}.article-sidebar{display:flex;flex-direction:column;gap:1rem}.article-sidebar .side-card>a{display:block;padding:.65rem 0;border-bottom:1px solid var(--line);color:var(--teal-dark);font-size:.78rem;font-weight:700}.policy-page{padding-block:4rem}.policy-page section+section{margin-top:2.6rem}.policy-page h2{font-size:1.7rem;margin-bottom:.8rem}.policy-page p,.policy-page li{font-size:1.02rem}.calculator-layout{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem;align-items:start}.calculator-card,.result-card{padding:1.6rem;border:1px solid var(--line);border-radius:var(--radius);background:#fff}.fields{display:grid;grid-template-columns:1fr 1fr;gap:1rem;margin-bottom:1.2rem}.fields label{display:grid;gap:.3rem;font-size:.75rem;font-weight:700}.fields input,.fields select{padding:.72rem;border:1px solid #c7d5d1;border-radius:7px}.input-note{margin:.75rem 0 0;font-size:.7rem}.result-card{position:sticky;top:94px;min-height:250px;background:var(--navy);color:#fff}.result-card h2{color:#fff}.result-card p{color:#bed2d3}.result-grid{display:grid;grid-template-columns:1fr 1fr;gap:1px;margin-top:1rem;background:rgba(255,255,255,.18)}.result-item{padding:1rem;background:var(--navy)}.result-item strong{display:block;color:#7de0d4;font-size:1.55rem}.result-item span{color:#bed2d3;font-size:.7rem}.calculator-copy h2{margin-top:2rem}.empty-state{max-width:650px;padding:2rem;border:1px solid var(--line);border-radius:var(--radius)}.empty-state h2{font-size:1.7rem}.empty-state .button{margin-top:.5rem}.error-page{min-height:60vh;padding-block:8rem}.error-page h1{font-size:3rem}.error-page p{margin:1rem 0 1.5rem}

/* Rich answer, comparison and FAQ modules */
.mobile-nav-heading{margin:0;padding-bottom:.55rem;border-bottom:1px solid rgba(255,255,255,.14);color:#fff;font:800 .66rem var(--font);letter-spacing:.1em;text-transform:uppercase}.mobile-nav-heading::before{content:"";display:inline-block;width:14px;height:3px;margin-right:.55rem;background:var(--coral);vertical-align:middle}.article-list h3{margin:.35rem 0;font-size:1.35rem}.direct-answer{margin-top:1rem;padding:1rem 1.1rem;border-left:4px solid var(--teal);background:#fff;font-weight:650;color:var(--ink)}.direct-answer-dark{border-left-color:var(--coral);background:rgba(255,255,255,.08);color:#fff}.hub-content-grid{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:3.5rem;align-items:start}.comparison-checklist{position:sticky;top:96px;padding:1.4rem;border:1px solid var(--line);border-radius:12px;background:#fff}.comparison-checklist h2{font-size:1.2rem}.comparison-checklist ul{margin:1rem 0 1.25rem}.comparison-checklist li{margin:.55rem 0;color:var(--ink-2);font-size:.84rem}.faq-section{margin-top:2rem}.faq-section>h2{margin-bottom:1.2rem}.faq-item{padding:1.25rem 0;border-top:1px solid var(--line)}.faq-item h3{margin:0 0 .45rem;font-size:1.12rem}.faq-item p{margin:0}.context-links{padding:1rem 1.15rem;border-left:3px solid var(--teal);background:var(--surface)}

/* Footer */
.site-footer{padding-top:4rem;background:#071e26;color:#fff}.footer-grid{display:grid;grid-template-columns:2fr repeat(3,1fr);gap:3rem}.footer-brand p{margin-top:.8rem;color:#9fb7b9;font-size:.85rem}.site-footer .brand{color:#fff}.site-footer .brand>span>span{color:#7de0d4}.footer-grid>div:not(.footer-brand){display:flex;flex-direction:column;gap:.45rem}.footer-grid h2{margin-bottom:.3rem;color:#fff;font:800 .7rem var(--font);letter-spacing:.08em;text-transform:uppercase}.footer-grid a{color:#b7cbcd;font-size:.8rem}.footer-grid a:hover{color:#7de0d4}.fine-print{display:flex;justify-content:space-between;gap:2rem;margin-top:3rem;padding-block:1.2rem;border-top:1px solid rgba(255,255,255,.12)}.fine-print p{max-width:760px;margin:0;color:#89a3a6;font-size:.67rem}

@media(max-width:1000px){.desktop-nav,.nav-cta{display:none}.menu-button{display:flex;margin-left:auto}.market-grid{grid-template-columns:1fr 1fr}.tool-grid{grid-template-columns:1fr 1fr}.page-grid{grid-template-columns:1fr}.sidebar{display:grid;grid-template-columns:1fr 1fr}.article-layout{grid-template-columns:minmax(0,740px)}.article-sidebar{display:grid;grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1.5fr 1fr 1fr}.footer-grid>div:last-child{grid-column:2}.hub-hero-grid{gap:2rem}.hub-content-grid{grid-template-columns:1fr}.comparison-checklist{position:static}}
@media(max-width:720px){.container{width:min(100% - 28px,1180px)}.site-header{height:66px}.mobile-menu{inset:66px 0 0}.brand img{width:36px;height:36px}.hero,.hero-grid{min-height:650px}.hero-art{object-position:67% center}.hero::after{background:linear-gradient(180deg,rgba(5,32,41,.62),rgba(5,32,41,.96) 54%,rgba(5,32,41,1))}.hero-grid{align-items:end}.hero-copy{padding:12rem 0 3rem}.hero h1{font-size:3.25rem}.hero-copy>p{font-size:1rem}.rate-status{align-items:flex-start;flex-wrap:wrap;padding-block:.8rem}.rate-status>a{width:100%;margin-left:1.55rem}.section{padding-block:3.8rem}.section-heading{display:block}.section-heading .text-link{margin-top:1rem}.market-grid,.tool-grid,.guide-hubs,.split-feature,.calculator-layout,.hub-hero-grid{grid-template-columns:1fr}.market-card{display:grid;grid-template-columns:115px 1fr}.market-card img{height:100%;aspect-ratio:auto}.split-feature{gap:2rem}.magazine-grid{grid-template-columns:1fr}.story-card.story-lead{grid-row:auto;min-height:300px}.story-card{min-height:190px}.sidebar{grid-template-columns:1fr}.hub-card{grid-template-columns:125px 1fr}.hub-hero img{order:-1}.article-sidebar{grid-template-columns:1fr}.fields{grid-template-columns:1fr}.result-card{position:static}.footer-grid{grid-template-columns:1fr 1fr;gap:2rem}.footer-brand{grid-column:1/-1}.footer-grid>div:last-child{grid-column:auto}.fine-print{display:block}.fine-print p+p{margin-top:1rem}.mobile-menu-head>span{display:none}.mobile-featured{grid-template-columns:1fr}.mobile-featured>div+div{border-left:0;border-top:1px solid rgba(255,255,255,.12);padding-left:.2rem}.page-hero{padding:3.5rem 0 3rem}.data-banner{align-items:flex-start;flex-direction:column}.article-header{padding:3rem 0 2.5rem}.article-layout{padding-block:2.5rem}.table-wrap{margin-inline:-14px;border-radius:0;border-inline:0}.tool-grid-all{grid-template-columns:1fr}.tool-card{min-height:230px}}
@media(max-width:420px){.mobile-nav-grid{grid-template-columns:1fr}.hero h1{font-size:2.85rem}.market-card{grid-template-columns:95px 1fr}.market-card-body{padding:1rem}.hub-card{grid-template-columns:1fr}.hub-card img{height:170px}.article-list article{grid-template-columns:1fr}.round-arrow{display:none}.footer-grid{grid-template-columns:1fr}.footer-grid>div:last-child{grid-column:auto}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.link-arrow,.menu-icon i{transition:none}}

/* Discoverable library, mega navigation and visual decision guides */
.sr-only{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.nav-search{display:grid!important;place-items:center;width:34px;height:34px;padding:0!important;border:1px solid var(--line);border-radius:50%!important;font-size:1.1rem!important}
.desktop-nav-panel.mega-panel{display:grid;grid-template-columns:1fr 1fr;width:540px;padding:0;overflow:hidden;box-shadow:0 20px 55px rgba(10,43,54,.18)}
.mega-panel>div{padding:1rem}.mega-panel>div+div{border-left:1px solid var(--line)}
.desktop-nav-panel.mega-panel p{margin:0 0 .4rem;padding:.15rem .7rem;color:var(--teal-dark);font-size:.62rem;font-weight:850;letter-spacing:.1em;text-transform:uppercase}
.desktop-nav-panel.mega-panel a{border:0;font-size:.76rem}.desktop-nav-panel.mega-panel a+a{border:0}
.mega-panel .panel-footer{grid-column:1/-1;padding:.8rem 1.05rem!important;border-top:1px solid var(--line)!important;border-radius:0!important;background:var(--surface)}
.mega-panel .panel-footer small{color:var(--muted)}

.library-hero{background:linear-gradient(135deg,#eef8f3 0%,#fff8ed 100%)}.library-hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:5rem;align-items:center}.library-hero h1{max-width:720px}.library-hero .hero-actions{margin-top:1.5rem}.library-stats{display:grid;grid-template-columns:1fr 1fr;gap:1px;overflow:hidden;border:1px solid var(--line);border-radius:18px;background:var(--line);box-shadow:0 18px 50px rgba(16,43,53,.08)}.library-stats>div{min-height:125px;padding:1.4rem;background:#fff}.library-stats strong{display:block;color:var(--teal-dark);font-size:2.2rem;line-height:1}.library-stats span{display:block;margin-top:.6rem;color:var(--muted);font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em}
.topic-jump{position:sticky;top:74px;z-index:100;border-bottom:1px solid var(--line);background:rgba(255,253,248,.96);backdrop-filter:blur(12px)}.topic-jump>div{display:flex;justify-content:center;gap:.4rem;padding:.65rem 0;overflow-x:auto}.topic-jump a{display:flex;align-items:center;gap:.45rem;padding:.45rem .7rem;border-radius:8px;color:var(--ink-2);font-size:.76rem;font-weight:750;white-space:nowrap}.topic-jump a:hover{background:var(--mint);color:var(--teal-dark)}.topic-jump a>span{color:var(--teal)}.topic-jump small{display:grid;place-items:center;min-width:22px;height:22px;border-radius:12px;background:var(--surface);font-size:.62rem}
.hub-count{position:relative;z-index:1;margin-bottom:.35rem;color:var(--coral-text)!important;font-size:.65rem!important;letter-spacing:.06em;text-transform:uppercase}
.library-cluster{scroll-margin-top:160px;margin-top:4rem}.library-cluster:first-of-type{margin-top:1rem}.library-cluster>header{display:flex;align-items:end;justify-content:space-between;gap:1rem;padding-bottom:1rem;border-bottom:2px solid var(--ink)}.library-cluster>header>div{display:flex;align-items:center;gap:.8rem}.library-cluster>header p{margin:0;color:var(--teal-dark);font-size:.62rem;font-weight:800;text-transform:uppercase;letter-spacing:.08em}.library-cluster>header h3{font-size:1.8rem}.library-cluster>header>a{color:var(--teal-dark);font-size:.75rem;font-weight:750}.cluster-icon{display:grid;place-items:center;width:46px;height:46px;border-radius:12px;background:var(--navy);color:#fff;font-weight:800}
.library-guide-grid{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:var(--line)}.library-guide-grid article{position:relative;display:grid;grid-template-columns:42px 1fr;gap:.9rem;min-height:185px;padding:1.3rem;background:#fff}.library-guide-grid article>span{color:var(--coral-text);font-size:.7rem;font-weight:850;letter-spacing:.06em}.library-guide-grid h4{font-size:1rem;letter-spacing:-.02em}.library-guide-grid p{margin:.55rem 0 .8rem;font-size:.76rem;line-height:1.5}.library-guide-grid small{color:var(--teal-dark);font-size:.65rem;font-weight:700}.library-guide-grid article:hover{background:#fbfdfb}.workflow-cards{margin-top:1.5rem}.workflow-cards article{padding:1.25rem;border:1px solid var(--line);border-top:4px solid var(--teal);border-radius:12px;background:#fff}.workflow-cards article>span{color:var(--coral-text);font-size:.7rem;font-weight:850}

.hub-proof{display:flex;flex-wrap:wrap;gap:1.2rem;margin-top:1.6rem;padding-top:1.2rem;border-top:1px solid rgba(255,255,255,.16)}.hub-proof span{display:flex;align-items:baseline;gap:.35rem;color:#bcd0d2;font-size:.7rem;text-transform:uppercase;letter-spacing:.05em}.hub-proof strong{color:#fff;font-size:1.25rem}.visual-article-list article{grid-template-columns:44px 1fr auto}.article-index{align-self:start;color:var(--coral-text);font-size:.7rem;font-weight:850;letter-spacing:.05em}.comparison-checklist>.module-icon{margin-bottom:1rem}

.article-header .article-width{max-width:900px}.article-header .eyebrow{margin-top:1.5rem}.article-facts{display:grid;grid-template-columns:repeat(3,1fr);margin-top:1.6rem;border:1px solid var(--line);border-radius:12px;background:#fff}.article-facts>div{padding:.85rem 1rem}.article-facts>div+div{border-left:1px solid var(--line)}.article-facts strong{display:block;color:var(--teal-dark);font-size:1.25rem}.article-facts span{display:block;color:var(--muted);font-size:.64rem;font-weight:750;text-transform:uppercase;letter-spacing:.06em}
.article-layout{grid-template-columns:minmax(0,780px) 280px;gap:3.5rem;align-items:start}.sidebar-sticky{position:sticky;top:96px;display:flex;flex-direction:column;gap:1rem}.article-toc-mobile{display:none}.article-toc ol{margin:.8rem 0 0;padding:0;list-style:none;counter-reset:toc}.article-toc li{counter-increment:toc;display:grid;grid-template-columns:22px 1fr;gap:.3rem;padding:.32rem 0}.article-toc li::before{content:counter(toc,decimal-leading-zero);color:var(--coral-text);font-size:.62rem;font-weight:850}.article-toc a{padding:0!important;border:0!important;color:var(--ink-2)!important;font-size:.7rem!important;font-weight:650!important;line-height:1.35}.article-toc a:hover{color:var(--teal-dark)!important}.standards-card{background:var(--surface)}.view-all-link{color:var(--coral-text)!important}
.article-body>section,.article-body>aside{scroll-margin-top:110px}.module-heading{display:flex;align-items:center;gap:.85rem;margin-bottom:1rem}.module-heading>div>p{margin:0 0 .18rem;color:var(--teal-dark);font-size:.62rem;font-weight:850;letter-spacing:.11em;text-transform:uppercase}.module-heading h2{margin:0}.module-icon{display:grid;place-items:center;flex:0 0 auto;width:40px;height:40px;border-radius:12px;background:var(--mint);color:var(--teal-dark);font-size:.85rem;font-weight:900}
.key-points{margin-top:0!important;padding:1.5rem;border:1px solid #f4c8ba;border-top:4px solid var(--coral);border-radius:14px;background:#fffaf7}.key-point-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;border:1px solid #eddcd4;background:#eddcd4}.key-point-grid article{padding:1rem;background:#fff}.key-point-grid article>span{display:block;margin-bottom:.5rem;color:var(--coral-text);font-size:.65rem;font-weight:900}.key-point-grid p{margin:0;font-size:.79rem;line-height:1.5}
.guide-section{display:grid;grid-template-columns:48px 1fr;gap:1rem;padding-top:2.8rem;border-top:1px solid var(--line)}.section-number{display:grid;place-items:center;width:42px;height:42px;border:1px solid var(--line);border-radius:50%;color:var(--teal-dark);font-size:.68rem;font-weight:850}.guide-section>div>h2{margin:.4rem 0 .9rem}.practical-check{display:flex;gap:.9rem;margin-top:1.5rem;padding:1.2rem;border:1px solid #f2d999;border-radius:12px;background:#fffae8}.practical-check .module-icon{width:34px;height:34px;background:var(--sun);color:#5f4605}.practical-check h3{margin:0 0 .35rem;font-size:1rem}.practical-check p{margin:0;font-size:.82rem}.context-links{margin-top:1.5rem;padding:1rem 1.15rem;border:1px solid var(--line);border-left:4px solid var(--teal);border-radius:0 10px 10px 0;background:var(--surface)}.context-links>strong,.context-links>h3{display:block;margin:0 0 .3rem;font-size:.82rem;text-transform:uppercase;letter-spacing:.04em}.context-links p{margin:0;font-size:.85rem}.context-links ul{display:grid;gap:.65rem;margin:.7rem 0 0;padding:0;list-style:none}.context-links li{display:grid;gap:.15rem}.context-links li span{color:var(--ink-2);font-size:.78rem;line-height:1.45}
.decision-aid{padding:1.5rem!important}.decision-aid>.module-heading{margin-bottom:.4rem}.decision-table .table-marker{display:inline-grid;place-items:center;width:22px;height:22px;margin-right:.5rem;border-radius:50%;background:var(--mint);color:var(--teal-dark);font-size:.64rem}.decision-table tbody th{min-width:220px}
.action-plan{padding:1.5rem;border:1px solid var(--line);border-radius:14px;background:#fff}.action-plan>p{font-size:.82rem}.action-plan form{display:grid;grid-template-columns:1fr 1fr;gap:.65rem;margin-top:1.1rem}.action-plan label{display:flex;align-items:center;gap:.75rem;min-height:74px;padding:.85rem;border:1px solid var(--line);border-radius:10px;background:var(--surface);cursor:pointer}.action-plan input{flex:0 0 auto;width:20px;height:20px;accent-color:var(--teal)}.action-plan label>span{font-size:.8rem}.action-plan label strong{display:block;color:var(--teal-dark);font-size:.6rem;text-transform:uppercase;letter-spacing:.06em}.action-plan label:has(input:checked){border-color:var(--teal);background:var(--mint)}.checklist-reset{justify-self:start;padding:.5rem 0;border:0;background:transparent;color:var(--teal-dark);font-weight:750;text-decoration:underline;cursor:pointer}
.article-summary{padding:1.5rem;border-radius:14px;background:var(--navy);color:#fff}.article-summary .module-icon{background:rgba(255,255,255,.12);color:#7de0d4}.article-summary .module-heading p{color:#7de0d4}.article-summary h2{color:#fff}.summary-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:rgba(255,255,255,.16)}.summary-grid>div{padding:1rem;background:var(--navy)}.summary-grid span{color:#7de0d4;font-size:.62rem;font-weight:850;text-transform:uppercase;letter-spacing:.07em}.summary-grid p{margin:.5rem 0 0;color:#d0e0e1;font-size:.77rem;line-height:1.5}
.reader-note>div{display:flex;align-items:center;gap:.8rem;margin-bottom:.8rem}.reader-note>div h2{margin:0}.article-body .reader-note a.button-dark{color:#fff;text-decoration:none}.sources ol{padding:0;list-style:none;border-top:1px solid var(--line)}.sources li{display:flex;align-items:center;justify-content:space-between;gap:1rem;padding:.85rem 0;border-bottom:1px solid var(--line)}.sources li>span{color:var(--muted);font-size:.62rem;white-space:nowrap}.faq-section details.faq-item{padding:0;border-top:1px solid var(--line)}.faq-section details:last-child{border-bottom:1px solid var(--line)}.faq-section summary{display:flex;justify-content:space-between;gap:1rem;padding:1rem 0;color:var(--ink);font-weight:750;cursor:pointer;list-style:none}.faq-section summary::-webkit-details-marker{display:none}.faq-section summary span{color:var(--teal);font-size:1.2rem}.faq-section details[open] summary span{transform:rotate(45deg)}.faq-section details p{padding:0 2.5rem 1.2rem 0}

.search-hero{text-align:center}.search-hero p{margin-inline:auto}.library-search{display:grid;grid-template-columns:1fr auto;gap:.6rem;max-width:720px;margin:1.5rem auto 0;padding:.5rem;border:1px solid var(--line);border-radius:12px;background:#fff;box-shadow:0 12px 35px rgba(16,43,53,.07)}.library-search:focus-within{border-color:var(--teal);outline:3px solid rgba(0,139,131,.18);outline-offset:2px}.library-search input{min-width:0;padding:.65rem .8rem;border:0;background:transparent;color:var(--ink);outline:0}.search-summary{display:flex;align-items:end;justify-content:space-between;gap:1rem;margin-bottom:1.5rem}.search-summary a{color:var(--teal-dark);font-size:.75rem;font-weight:750}.search-results{display:grid;gap:.8rem}.search-results article{padding:1.3rem;border:1px solid var(--line);border-radius:12px;background:#fff}.result-type{color:var(--teal-dark);font-size:.62rem;font-weight:850;text-transform:uppercase;letter-spacing:.08em}.search-results h3{margin:.3rem 0 .5rem}.search-results p{margin-bottom:.7rem;font-size:.84rem}.search-results .text-link{font-size:.72rem}.search-topic-grid{display:grid;grid-template-columns:1fr 1fr;gap:.8rem}.search-topic-grid a{display:grid;grid-template-columns:44px 1fr;gap:.1rem .8rem;padding:1rem;border:1px solid var(--line);border-radius:12px;background:#fff}.search-topic-grid a>span{grid-row:1/3;display:grid;place-items:center;width:40px;height:40px;border-radius:10px;background:var(--mint);color:var(--teal-dark)}.search-topic-grid small{color:var(--muted)}

@media(max-width:1100px){.desktop-nav a{padding:.45rem .45rem;font-size:.8rem}.nav-cta{display:none}}
@media(max-width:1000px){.library-hero-grid{grid-template-columns:1fr;gap:2.5rem}.article-layout{grid-template-columns:minmax(0,780px)}.sidebar-sticky{position:static}.article-sidebar{display:none}.article-toc-mobile{display:block;margin-bottom:1.2rem;padding:1.1rem;border:1px solid var(--line);border-radius:12px;background:#fff}.article-toc-mobile ol{columns:2}}
@media(max-width:720px){.topic-jump{top:66px}.library-stats{grid-template-columns:1fr 1fr}.library-stats>div{min-height:100px;padding:1.1rem}.library-stats strong{font-size:1.8rem}.library-guide-grid{grid-template-columns:1fr}.library-guide-grid article{min-height:0}.library-cluster>header{align-items:start;flex-direction:column}.library-cluster>header>a{margin-left:3.4rem}.key-point-grid,.summary-grid{grid-template-columns:1fr}.guide-section{grid-template-columns:38px 1fr;gap:.7rem}.section-number{width:34px;height:34px}.action-plan form{grid-template-columns:1fr}.article-facts>div{padding:.75rem}.article-facts strong{font-size:1.05rem}.article-toc-mobile ol{columns:1}.visual-article-list article{grid-template-columns:36px 1fr}.visual-article-list .round-arrow{display:none}.library-search{grid-template-columns:1fr;padding:.6rem}.library-search button{width:100%}.search-topic-grid{grid-template-columns:1fr}.search-summary{display:block}.search-summary a{display:inline-block;margin-top:.5rem}.sources li{align-items:start;flex-direction:column;gap:.2rem}.faq-section details p{padding-right:0}}

/* Focused home hero and decision-led content depth */
.hero{min-height:0;padding:4.5rem 0;background:linear-gradient(135deg,#071f29 0%,#0b3340 100%)}
.hero::after{display:none}
.hero-grid{grid-template-columns:minmax(0,1fr) minmax(360px,520px);gap:4.5rem;min-height:0}
.hero-copy{max-width:650px;padding:0}
.hero h1{font-size:clamp(3rem,5.2vw,4.9rem)}
.hero-visual{justify-self:end;width:100%;padding:.7rem;border:1px solid rgba(255,255,255,.16);border-radius:22px;background:#fff}
.hero-visual .hero-art{position:static;display:block;width:100%;height:auto;aspect-ratio:16/9;object-fit:cover;border-radius:14px}
.hero-visual p{margin:.8rem .5rem .25rem;color:var(--ink-2);font-size:.78rem;line-height:1.45}
.hero-visual strong{color:var(--ink)}
.decision-path{display:grid;grid-template-columns:minmax(220px,.65fr) minmax(0,1.35fr);gap:3rem;align-items:start;padding-block:2.4rem;border-bottom:1px solid var(--line)}
.decision-path h2{font-size:1.55rem}
.decision-path>div>p{margin:.45rem 0 0;font-size:.84rem}
.path-grid,.workflow-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem}
.path-grid article,.workflow-grid article{padding-left:1rem;border-left:2px solid var(--teal)}
.path-grid article>span,.workflow-arrow{display:block;height:16px;margin-bottom:.65rem;color:var(--coral-text)}
.path-grid h3,.workflow-grid h3{font-size:1rem}
.path-grid p,.workflow-grid p{margin:.45rem 0 0;font-size:.8rem}
.workflow-section{border-block:1px solid var(--line);background:#fff}
.section-intro{max-width:780px;margin:.65rem 0 1.7rem;font-size:1rem}
.decision-aid{padding:1.5rem;border:1px solid var(--line);border-radius:14px;background:var(--surface)}
.decision-aid .table-wrap{margin-top:1.2rem}
.decision-aid h3{margin-top:1.5rem}
.decision-table th:first-child{width:40%}
.compact-checks{grid-template-columns:1fr 1fr;margin-bottom:0}
.section-tint a:not(.button){color:var(--teal-dark);text-decoration:underline;text-underline-offset:2px}
.home-snapshot{padding-block:4.6rem;background:var(--surface);border-bottom:1px solid var(--line)}
.rate-snapshot-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1rem}
.rate-snapshot-card{display:flex;flex-direction:column;min-height:315px;padding:1.3rem;border:1px solid var(--line);border-top:4px solid var(--teal);border-radius:var(--radius);background:#fff}
.snapshot-market{margin:0 0 .25rem;color:var(--teal-dark);font-size:.68rem;font-weight:850;letter-spacing:.06em;text-transform:uppercase}
.rate-snapshot-card h3{font-size:1.18rem}
.snapshot-value{display:flex;align-items:baseline;gap:.4rem;min-height:48px;margin:1rem 0 .45rem}
.snapshot-value strong{color:var(--ink);font:800 2rem var(--display);letter-spacing:-.04em}
.snapshot-value>span:not(.pending){color:var(--muted);font-size:.72rem;font-weight:750;text-transform:uppercase}
.rate-snapshot-card>p:not(.snapshot-market,.snapshot-value,.snapshot-note,.snapshot-secondary){font-size:.8rem}
.snapshot-secondary{margin:-.4rem 0 .65rem;color:var(--teal-dark);font-size:.72rem;font-weight:750}
.snapshot-note{margin:.2rem 0 1rem;padding-top:.75rem;border-top:1px solid var(--line);font-size:.74rem}
.snapshot-links{display:flex;flex-wrap:wrap;gap:.45rem .85rem;margin-top:auto}
.snapshot-links a,.publisher-links a{color:var(--teal-dark);font-size:.72rem;font-weight:750;text-decoration:underline;text-underline-offset:2px}
.publisher-links{max-width:650px;font-size:.82rem!important}
.home-faq{max-width:900px}

@media(max-width:1000px){
  .hero-grid{grid-template-columns:minmax(0,1fr) minmax(320px,440px);gap:2.5rem}
  .decision-path{grid-template-columns:1fr;gap:1.4rem}
  .rate-snapshot-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:720px){
  .hero{min-height:0;padding:2rem 0 2.6rem}
  .hero-grid{grid-template-columns:1fr;gap:1.8rem;min-height:0;align-items:start}
  .hero-copy{padding:0}
  .hero h1{font-size:2.75rem}
  .hero-copy>p{font-size:1rem}
  .hero-visual{order:-1;justify-self:start;max-width:430px}
  .hero-visual .hero-art{object-position:center}
  .decision-path{padding-block:2rem}
  .path-grid,.workflow-grid{grid-template-columns:1fr}
  .compact-checks{grid-template-columns:1fr}
  .home-snapshot{padding-block:3.6rem}
  .rate-snapshot-grid{grid-template-columns:1fr}
  .rate-snapshot-card{min-height:0}
}

/* Desktop topic navigation */
.desktop-nav-group{position:relative}
.desktop-nav-group .nav-parent{display:flex;align-items:center;gap:.4rem;padding-right:.42rem}
.nav-chevron{display:inline-grid;place-items:center;width:18px;height:18px;border:1px solid rgba(0,139,131,.18);border-radius:50%;background:rgba(0,139,131,.07);color:var(--teal);transition:background-color .18s,border-color .18s,color .18s,transform .22s ease}
.nav-chevron svg{display:block;width:10px;height:10px;fill:none;stroke:currentColor;stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round;transition:transform .22s ease}
.nav-parent:hover .nav-chevron,.nav-parent:focus-visible .nav-chevron,.nav-parent[aria-current=page] .nav-chevron{border-color:var(--teal);background:var(--teal);color:#fff}
.desktop-nav-group:hover .nav-chevron svg,.desktop-nav-group:focus-within .nav-chevron svg{transform:rotate(180deg)}
.desktop-nav-panel{position:absolute;top:calc(100% + 11px);left:0;width:250px;padding:.6rem;border:1px solid rgba(0,92,86,.16);border-top:3px solid var(--teal);border-radius:15px;background:#fff;opacity:0;visibility:hidden;transform:translateY(-7px) scale(.985);transform-origin:top;box-shadow:0 22px 60px rgba(7,39,50,.2);transition:opacity .18s ease,transform .18s ease,visibility .18s}
.desktop-nav-panel::before{content:"";position:absolute;left:0;right:0;top:-14px;height:14px}
.desktop-nav-panel.panel-right{left:auto;right:0}
.desktop-nav-panel a{display:block;padding:.62rem .7rem;border-radius:8px;font-size:.78rem;transition:background-color .16s,color .16s,transform .16s}
.desktop-nav-panel>div>a:hover,.desktop-nav-panel>div>a:focus-visible{transform:translateX(3px)}
.desktop-nav-panel a+a{border-top:1px solid var(--line)}
.desktop-nav-panel strong,.desktop-nav-panel small{display:block}
.desktop-nav-panel small{margin-top:.15rem;color:var(--muted);font-size:.65rem;font-weight:500}
.desktop-nav-group:hover .desktop-nav-panel,.desktop-nav-group:focus-within .desktop-nav-panel{opacity:1;visibility:visible;transform:translateY(0) scale(1)}

/* SHAREITONL-style global breadcrumb bar, adapted to the TODAY.you nav. */
.has-breadcrumbs .site-header{border-bottom:0}
.breadcrumb-bar{background:rgba(255,253,248,.96);border:0;box-shadow:none}
.breadcrumb{display:flex;align-items:center;flex-wrap:wrap;gap:.4rem;margin:0;padding:.7rem 0;color:var(--muted);font-size:.85rem;line-height:1.45}
.breadcrumb a{color:var(--teal-dark);font-weight:700}
.breadcrumb a:hover{text-decoration:underline;text-underline-offset:2px}
.breadcrumb .sep{color:#8a9da2}
.breadcrumb [aria-current=page]{color:var(--ink-2)}
#main-content>.breadcrumb-bar+.hub-hero,
#main-content>.breadcrumb-bar+.page-hero,
#main-content>.breadcrumb-bar+.article-page>.article-header{padding-top:clamp(1.5rem,2.5vw,2.5rem)}
@media(max-width:720px){.breadcrumb{font-size:.78rem}.breadcrumb-bar{border:0}.has-breadcrumbs .site-header{border-bottom:0}}

/* Stable six-hour homepage discovery window. */
.rotation-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;border:1px solid rgba(255,255,255,.15);background:rgba(255,255,255,.15)}
.rotation-card{position:relative;min-height:170px;padding:1.35rem;background:var(--navy);transition:background .16s}
.rotation-card:hover{background:#123b47}
.rotation-card>span{display:block;margin-bottom:1rem;color:#83d9d0;font-size:.65rem;font-weight:800;letter-spacing:.09em;text-transform:uppercase}
.rotation-card h3{font-size:1.08rem}
.rotation-card small{display:block;margin-top:.8rem;color:#a9c2c5;font-size:.68rem}
.rotation-index-links{margin:1.2rem 0 0;color:#bad0d1;font-size:.78rem}
.rotation-index-links a{color:#7de0d4;text-decoration:underline;text-underline-offset:2px}
@media(max-width:1000px){.rotation-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:720px){.rotation-grid{grid-template-columns:1fr}.rotation-card{min-height:135px}}

/* Decision-first mobile navigation. */
.mobile-menu{display:block;visibility:hidden;opacity:0;transform:translateY(-10px);pointer-events:none;background:radial-gradient(circle at 88% 0,rgba(0,139,131,.2),transparent 34%),linear-gradient(160deg,#0b3340 0%,#061f29 68%);transition:opacity .2s ease,transform .2s ease,visibility .2s;overscroll-behavior:contain}
.mobile-menu.open{visibility:visible;opacity:1;transform:translateY(0);pointer-events:auto}
.mobile-menu-inner{padding-block:1.5rem max(3rem,env(safe-area-inset-bottom))}
.mobile-menu-head{align-items:center;padding:0 0 1.25rem;border-bottom:0}
.mobile-menu-kicker{display:block;margin-bottom:.25rem;color:#7de0d4;font-size:.62rem;font-weight:850;letter-spacing:.14em;text-transform:uppercase}
.mobile-menu-head strong{display:block;color:#fff;font-size:clamp(1.25rem,3vw,1.65rem);letter-spacing:-.025em}
.mobile-menu-head p{max-width:570px;margin:.35rem 0 0;color:#b9d1d3;font-size:.78rem}
.mobile-menu-all{display:inline-flex;align-items:center;gap:.55rem;flex:0 0 auto;padding:.65rem .85rem;border:1px solid rgba(125,224,212,.38);border-radius:999px;color:#d8efec;font-size:.68rem;font-weight:800}
.mobile-menu-all:hover,.mobile-menu-all:focus-visible{border-color:#7de0d4;background:rgba(125,224,212,.1);color:#fff}
.mobile-featured{display:grid;grid-template-columns:1.15fr 1fr;grid-template-rows:1fr 1fr;gap:.65rem;margin-top:.2rem;padding:0 0 1.35rem;border-bottom:1px solid rgba(255,255,255,.13)}
.mobile-featured-card{position:relative;display:grid;grid-template-columns:38px minmax(0,1fr) 18px;gap:.7rem;align-items:center;min-height:76px;padding:.9rem;border:1px solid rgba(255,255,255,.13);border-radius:14px;background:rgba(255,255,255,.055);color:#fff;transition:border-color .16s,background .16s,transform .16s}
.mobile-featured-card:hover,.mobile-featured-card:focus-visible{border-color:rgba(125,224,212,.6);background:rgba(125,224,212,.1);transform:translateY(-1px)}
.mobile-featured-card.mobile-featured-primary{grid-row:1/3;align-content:center;min-height:160px;padding:1.1rem;background:linear-gradient(145deg,rgba(0,139,131,.31),rgba(255,255,255,.055));border-color:rgba(125,224,212,.33)}
.mobile-featured-card .mini-icon{grid-row:auto;display:grid;place-items:center;width:36px;height:36px;border:1px solid rgba(125,224,212,.34);border-left:3px solid var(--coral);border-radius:10px;background:rgba(255,255,255,.055);color:#8ce1d6;font-size:.9rem}
.mobile-featured-card small,.mobile-featured-card strong,.mobile-featured-card em{display:block}
.mobile-featured-card small{margin-bottom:.12rem;color:#8eb5b8;font-size:.58rem;font-style:normal;font-weight:800;letter-spacing:.08em;text-transform:uppercase}
.mobile-featured-card strong{color:#fff;font-size:.8rem;line-height:1.25}
.mobile-featured-card em{margin-top:.4rem;color:#abc5c7;font-size:.66rem;font-style:normal;line-height:1.4}
.mobile-card-arrow{color:#7de0d4;font-size:.9rem;transition:transform .16s}
.mobile-featured-card:hover .mobile-card-arrow{transform:translateX(3px)}
.mobile-nav-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.75rem;margin-top:1rem}
.mobile-nav-section{overflow:hidden;padding:.9rem 1rem .4rem;border:1px solid rgba(255,255,255,.1);border-radius:14px;background:rgba(255,255,255,.035)}
.mobile-nav-heading{display:flex;align-items:center;gap:.55rem;margin:0;padding:0 0 .7rem;border-bottom:1px solid rgba(255,255,255,.12);color:#fff;font:800 .68rem var(--font);letter-spacing:.09em;text-transform:uppercase}
.mobile-nav-heading::before{display:none}
.mobile-nav-heading>span{display:grid;place-items:center;width:25px;height:25px;border-radius:8px;background:rgba(125,224,212,.12);color:#7de0d4;font-size:.72rem;letter-spacing:0}
.mobile-nav-section>a,.mobile-trust-links>a{display:flex;align-items:center;min-height:39px;padding:.55rem 0;border-bottom:1px solid rgba(255,255,255,.075);color:#c9d9da;font-size:.72rem;font-weight:620;line-height:1.3}
.mobile-nav-section>a::after,.mobile-trust-links>a::after{content:"›";margin-left:auto;padding-left:.5rem;color:#668f93;font-size:1rem}
.mobile-nav-section>a:last-child,.mobile-trust-links>a:nth-last-child(-n+2){border-bottom:0}
.mobile-nav-section>a:hover,.mobile-nav-section>a:focus-visible,.mobile-trust-links>a:hover,.mobile-trust-links>a:focus-visible{color:#7de0d4}
.mobile-nav-section-wide{grid-column:1/-1}
.mobile-trust-links{display:grid;grid-template-columns:1fr 1fr;column-gap:1.25rem}
@media(max-width:1000px){.menu-button{gap:.55rem;min-height:40px;padding:.42rem .5rem .42rem .75rem;border:1px solid var(--line);border-radius:999px;background:#fff}.menu-button.open{border-color:var(--navy);background:var(--navy);color:#fff}.menu-icon{width:21px}.menu-icon i:first-child{width:21px}}
@media(max-width:720px){.mobile-menu{inset:66px 0 0}.mobile-menu-inner{padding-top:1.15rem}.mobile-menu-head{align-items:flex-start}.mobile-menu-head p{max-width:270px}.mobile-menu-all{margin-top:.1rem;padding:.52rem .65rem}.mobile-featured{grid-template-columns:1.08fr .92fr}.mobile-featured-card{grid-template-columns:32px minmax(0,1fr) 14px;gap:.5rem;padding:.72rem}.mobile-featured-card.mobile-featured-primary{padding:.85rem}.mobile-featured-card .mini-icon{width:31px;height:31px}.mobile-nav-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:.65rem}.mobile-nav-section{padding:.8rem .8rem .3rem}.mobile-nav-section>a,.mobile-trust-links>a{font-size:.69rem}}
@media(max-width:360px){.mobile-menu-all{display:none}.mobile-menu-head p{max-width:none}.mobile-featured{grid-template-columns:1fr;grid-template-rows:auto}.mobile-featured-card.mobile-featured-primary{grid-row:auto;min-height:92px}.mobile-nav-grid{grid-template-columns:1fr}.mobile-nav-section-wide{grid-column:auto}.mobile-trust-links{grid-template-columns:1fr}.mobile-trust-links>a:nth-last-child(2){border-bottom:1px solid rgba(255,255,255,.075)}}
@media(prefers-reduced-motion:reduce){.mobile-menu,.mobile-featured-card,.mobile-card-arrow{transition:none}}

/* Intent-led article formats. Shared brand chrome stays consistent while the
   reading order and visual treatment follow the decision being answered. */
.article-flow{display:grid;gap:2.7rem}.article-flow>section,.article-flow>aside,.article-flow>div{margin-top:0}.article-flow .reader-note{margin-top:0}
.article-format-comparison .article-header{background:linear-gradient(135deg,#eef8f3,#f8fbf8)}
.article-format-calculation .article-header{background:linear-gradient(135deg,#fff8ed,#fffdf8)}
.article-format-walkthrough .article-header{background:linear-gradient(135deg,#eef7fa,#f8fbfb)}
.article-format-risk .article-header{background:linear-gradient(135deg,#fff3ef,#fffaf7)}
.article-format-timeline .article-header{background:linear-gradient(135deg,#f3f2fb,#faf9ff)}
.article-format-explainer .article-header{background:linear-gradient(135deg,#f4f8f5,#fffdf8)}

.format-comparison .comparison-decision{border-top:4px solid var(--teal);background:#fff}.comparison-section-grid{display:grid;grid-template-columns:1fr 1fr;gap:1rem}.comparison-panel{padding:1.35rem;border:1px solid var(--line);border-radius:14px;background:#fff}.comparison-panel:nth-child(2){background:var(--surface)}.comparison-panel .section-kicker{display:block;margin-bottom:.55rem;color:var(--coral-text);font-size:.62rem;font-weight:850;letter-spacing:.1em;text-transform:uppercase}.comparison-panel h2{font-size:1.35rem}.comparison-panel p{margin:.75rem 0 0;font-size:.9rem}.comparison-check{margin-top:0}.comparison-followup{margin-top:0!important}

.calculation-opening{display:grid;grid-template-columns:minmax(0,1.45fr) minmax(220px,.55fr);gap:1rem;align-items:start}.calculation-opening .decision-aid{height:100%;background:#fff}.calculation-tool{padding:1.3rem;border:1px solid #f1d5a1;background:#fff8e8}.calculation-tool>div{align-items:flex-start}.calculation-tool h2{font-size:1.25rem}.calculation-step{display:grid;grid-template-columns:92px 1fr;gap:1.25rem;padding:1.5rem 0;border-top:1px solid var(--line)}.calculation-step>div:first-child{padding-top:.2rem}.calculation-step>div:first-child span{display:block;color:var(--coral-text);font-size:1.45rem;font-weight:850}.calculation-step>div:first-child p{margin:.15rem 0 0;color:var(--muted);font-size:.6rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase}.calculation-step h2{font-size:1.55rem}.calculation-step>div:last-child>p{margin:.7rem 0 0}.calculation-takeaways{border-top-color:var(--sun)}

.format-walkthrough>.action-plan{border-top:4px solid var(--teal);background:#fff}.walkthrough-track{position:relative;display:grid;gap:0;padding-left:.35rem}.walkthrough-track::before{content:"";position:absolute;left:28px;top:28px;bottom:28px;width:2px;background:var(--line)}.walkthrough-step{position:relative;display:grid;grid-template-columns:58px 1fr;gap:1.2rem;padding:1.45rem 0}.walkthrough-marker{position:relative;z-index:1;display:grid;place-items:center;width:56px;height:56px;border:2px solid var(--teal);border-radius:50%;background:var(--paper)}.walkthrough-marker span{font-size:.5rem;font-weight:850;letter-spacing:.06em;text-transform:uppercase}.walkthrough-marker strong{font-size:.92rem}.walkthrough-step h2{font-size:1.55rem}.walkthrough-step p{margin:.65rem 0 0}.walkthrough-check{margin-top:0;background:#eef8f3;border-color:#b8ddd5}

.risk-alert{margin-top:0;padding:1.4rem;border:1px solid #f2b7a9;border-left:6px solid var(--coral);background:#fff4ef}.risk-alert .module-icon{background:var(--coral);color:#fff}.risk-lead{padding:1.6rem;border-radius:14px;background:var(--navy);color:#fff}.risk-lead .risk-label{margin:0 0 .45rem;color:#7de0d4;font-size:.62rem;font-weight:850;letter-spacing:.1em;text-transform:uppercase}.risk-lead h2{color:#fff}.risk-lead>p:last-child{margin:.8rem 0 0;color:#c8d9da}.risk-decision{border-color:#f2c3b7;background:#fffaf7}.risk-section-grid{display:grid;gap:.8rem}.risk-section-grid>section{display:grid;grid-template-columns:36px 1fr;gap:.9rem;padding:1.2rem;border:1px solid var(--line);border-radius:12px;background:#fff}.risk-section-grid>section>span{display:grid;place-items:center;width:32px;height:32px;border-radius:50%;background:#fff0eb;color:var(--coral-text);font-weight:900}.risk-section-grid h2{font-size:1.3rem}.risk-section-grid p{margin:.6rem 0 0}.risk-takeaways{border-top-color:var(--coral)}

.timeline-takeaways{border-top-color:#7466ba}.timeline-track{position:relative;display:grid;gap:0}.timeline-track::before{content:"";position:absolute;left:20px;top:28px;bottom:28px;width:2px;background:#c9c3e8}.timeline-step{position:relative;display:grid;grid-template-columns:42px 1fr;gap:1rem;padding:1.4rem 0}.timeline-marker{position:relative;z-index:1;display:grid;place-items:center;width:42px;height:42px;border-radius:50%;background:#6658ad;color:#fff;font-weight:850}.timeline-label{margin:0 0 .25rem;color:#6658ad;font-size:.6rem;font-weight:850;letter-spacing:.1em;text-transform:uppercase}.timeline-step h2{font-size:1.5rem}.timeline-step>div:last-child>p:last-child{margin:.65rem 0 0}.timeline-check{margin-top:0;border-color:#d5d0ed;background:#f7f5ff}.timeline-check .module-icon{background:#6658ad;color:#fff}.timeline-decision{background:#f8f7ff}

.explainer-lead{padding:1.6rem;border-left:5px solid var(--teal);background:#fff}.explainer-label,.explainer-question{display:block;margin:0 0 .45rem;color:var(--teal-dark);font-size:.61rem;font-weight:850;letter-spacing:.1em;text-transform:uppercase}.explainer-lead h2{font-size:1.8rem}.explainer-lead>p:last-child{margin:.8rem 0 0;font-size:1.02rem}.explainer-grid{display:grid;grid-template-columns:1fr 1fr;gap:1rem}.explainer-grid>section{padding:1.25rem;border:1px solid var(--line);border-radius:14px;background:#fff}.explainer-grid>section:last-child:nth-child(odd){grid-column:1/-1}.explainer-grid h2{font-size:1.3rem}.explainer-grid>section>p:last-child{margin:.65rem 0 0}.explainer-check{margin-top:0}.explainer-decision{background:#eef8f3}

@media(max-width:720px){.article-flow{gap:2rem}.comparison-section-grid,.calculation-opening,.explainer-grid{grid-template-columns:1fr}.calculation-step{grid-template-columns:58px 1fr;gap:.8rem}.calculation-step>div:first-child span{font-size:1.15rem}.walkthrough-step{grid-template-columns:48px 1fr;gap:.8rem}.walkthrough-track::before{left:24px}.walkthrough-marker{width:48px;height:48px}.explainer-grid>section:last-child:nth-child(odd){grid-column:auto}.article-flow .decision-aid{padding:1.15rem!important}}

/* Purpose-built calculator experiences */
.tool-page{--tool-accent:var(--teal);--tool-soft:var(--mint)}
.tool-page--mortgage-payment-calculator{--tool-accent:#087f78;--tool-soft:#e5f6f0}
.tool-page--mortgage-points-calculator{--tool-accent:#c55540;--tool-soft:#fff0e9}
.tool-page--savings-growth-calculator{--tool-accent:#327744;--tool-soft:#eaf6e8}
.tool-page--cd-ladder-planner{--tool-accent:#6456a5;--tool-soft:#f0eefc}
.tool-page--loan-cost-calculator{--tool-accent:#1f6680;--tool-soft:#eaf4f7}
.tool-hero{padding:4.4rem 0 3.7rem;background:linear-gradient(135deg,var(--tool-soft),var(--paper));border-bottom:1px solid var(--line)}
.tool-hero-inner{display:grid;grid-template-columns:minmax(0,1fr) 275px;gap:4rem;align-items:end}.tool-hero h1{max-width:820px;font-size:clamp(2.65rem,5vw,4.6rem)}.tool-hero .direct-answer{max-width:800px;margin:1.25rem 0 .8rem;padding:1rem 1.15rem;border-left:4px solid var(--tool-accent);background:rgba(255,255,255,.72)}.tool-hero-dek{max-width:720px;margin:0;font-size:1.02rem}.tool-hero-note{display:grid;grid-template-columns:38px 1fr;gap:.8rem;padding:1.1rem;border:1px solid rgba(16,43,53,.12);border-radius:14px;background:#fff}.tool-hero-note>span{display:grid;place-items:center;width:36px;height:36px;border-radius:50%;background:var(--tool-soft);color:var(--tool-accent);font-weight:900}.tool-hero-note p{margin:0;font-size:.75rem;line-height:1.45}.tool-hero-note strong{display:block;color:var(--ink);font-size:.78rem}
.workspace-heading{display:flex;justify-content:space-between;align-items:end;gap:2rem;margin-bottom:1.5rem}.workspace-heading h2,.points-intro h2,.cd-workspace-heading h2,.loan-heading h2{font-size:clamp(1.8rem,3vw,2.65rem)}.workspace-heading>p,.points-intro>p{max-width:430px;margin:0;font-size:.88rem}.tool-form fieldset{min-width:0;margin:0;padding:0;border:0}.tool-form legend{width:100%;margin-bottom:1rem;color:var(--ink);font-size:.72rem;font-weight:850;letter-spacing:.08em;text-transform:uppercase}.tool-form label{display:grid;gap:.4rem;color:var(--ink);font-size:.72rem;font-weight:750}.input-affix{display:flex;align-items:center;overflow:hidden;border:1px solid #bdcec9;border-radius:9px;background:#fff}.input-affix:focus-within{border-color:var(--tool-accent);outline:3px solid color-mix(in srgb,var(--tool-accent) 16%,transparent)}.input-affix>b{padding-left:.75rem;color:var(--muted);font-size:.74rem}.input-affix input{min-width:0;width:100%;padding:.78rem .75rem;border:0;background:transparent;color:var(--ink);outline:0}.input-suffix>b{padding:0 .75rem 0 0}.input-note{margin:.7rem 0 0;color:var(--muted);font-size:.69rem;line-height:1.45}.result-kicker{margin:0 0 .35rem;color:var(--tool-accent);font-size:.65rem;font-weight:850;letter-spacing:.09em;text-transform:uppercase}.result-placeholder{display:block;margin:.2rem 0 .6rem;font-size:1.6rem}.result-caption,.result-footnote{font-size:.7rem;line-height:1.45}.result-footnote{margin:1rem 0 0;color:var(--muted)}.calculator-error{padding:1.1rem;border:1px solid #f0b9aa;border-radius:10px;background:#fff1ec}.calculator-error strong{color:#8e3828}.calculator-error p{margin:.3rem 0 0;font-size:.8rem}.tool-story,.loan-reading{background:var(--navy);color:#fff}.tool-story h2,.tool-story h3,.loan-reading h2,.loan-reading h3{color:#fff}.tool-story p,.loan-reading p{color:#c7d8da}.worked-note{padding:1.5rem;border:1px solid rgba(255,255,255,.15);border-radius:14px;background:rgba(255,255,255,.06)}.worked-note>span{color:#7de0d4;font-size:.62rem;font-weight:850;letter-spacing:.1em;text-transform:uppercase}.worked-note h3{margin:.5rem 0 .75rem}.worked-note p{margin:0;font-size:.85rem}.boundary-card{padding:1.4rem;border:1px solid #e9cf96;border-radius:14px;background:#fff9e9}.boundary-card h3{font-size:1.2rem}.boundary-card p{margin:.7rem 0 0;font-size:.82rem}.numbered-checks{display:grid;grid-template-columns:1fr 1fr;gap:1px;margin:1.2rem 0 0;padding:0;border:1px solid var(--line);background:var(--line);list-style:none}.numbered-checks li{display:grid;grid-template-columns:34px 1fr;gap:.75rem;padding:1rem;background:#fff}.numbered-checks li>span{color:var(--tool-accent);font-size:.65rem;font-weight:900}.numbered-checks p{margin:0;font-size:.8rem}.tool-reference{border-top:1px solid var(--line);background:#fff}.tool-reference-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:5rem}.tool-reference h2{font-size:1.7rem}.tool-reference ul{margin:1.2rem 0 0;padding:0;list-style:none;border-top:1px solid var(--line)}.tool-reference li{display:flex;justify-content:space-between;gap:1rem;padding:.8rem 0;border-bottom:1px solid var(--line)}.tool-reference li a{color:var(--teal-dark);font-size:.78rem;font-weight:750;text-decoration:underline;text-underline-offset:2px}.tool-reference li span{color:var(--muted);font-size:.62rem;white-space:nowrap}.tool-faq details{border-top:1px solid var(--line)}.tool-faq details:last-of-type{border-bottom:1px solid var(--line)}.tool-faq summary{display:flex;justify-content:space-between;gap:1rem;padding:1rem 0;color:var(--ink);font-size:.85rem;font-weight:750;cursor:pointer;list-style:none}.tool-faq summary::-webkit-details-marker{display:none}.tool-faq summary span{color:var(--tool-accent);font-size:1.2rem}.tool-faq details[open] summary span{transform:rotate(45deg)}.tool-faq details p{padding:0 2rem 1rem 0;font-size:.8rem}.tool-disclaimer{margin-top:1.2rem;padding:1rem;border-left:4px solid var(--tool-accent);background:var(--tool-soft);font-size:.75rem}

/* Mortgage payment worksheet */
.mortgage-calculator-shell{display:grid;grid-template-columns:minmax(0,1.08fr) minmax(340px,.92fr);overflow:hidden;border:1px solid var(--line);border-radius:18px;box-shadow:0 18px 55px rgba(16,43,53,.08)}.mortgage-form{display:grid;gap:1.5rem;padding:1.7rem;background:#fff}.mortgage-form fieldset+fieldset{padding-top:1.3rem;border-top:1px solid var(--line)}.field-grid{display:grid;grid-template-columns:1fr 1fr;gap:1rem}.mortgage-form .button{justify-self:start}.mortgage-result-panel{min-height:540px;padding:1.8rem;background:var(--navy);color:#fff}.mortgage-result-panel p{color:#bcd0d2}.payment-total{display:block;color:#fff;font-size:clamp(2.7rem,5vw,4rem);line-height:1}.payment-breakdown{display:grid;gap:.75rem;margin-top:1.6rem}.payment-breakdown span,.growth-composition span{display:flex;justify-content:space-between;gap:1rem}.payment-breakdown b,.payment-breakdown em,.growth-composition b,.growth-composition em{font-size:.7rem;font-style:normal}.payment-breakdown b{color:#d5e2e3}.payment-breakdown em{color:#7de0d4}.payment-breakdown progress,.growth-composition progress{display:block;width:100%;height:7px;margin-top:.3rem;accent-color:var(--tool-accent)}.payment-breakdown progress{accent-color:#62d4c8}.mortgage-stress{display:grid;grid-template-columns:1fr 1fr;gap:1px;margin-top:1.6rem;background:rgba(255,255,255,.15)}.mortgage-stress>div{padding:1rem;background:var(--navy)}.mortgage-stress span{display:block;color:#9ebabc;font-size:.62rem}.mortgage-stress strong{display:block;margin-top:.35rem;color:#fff;font-size:1.1rem}.mortgage-result-panel .result-footnote{color:#9ebabc}.tool-copy-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:4rem;align-items:start}.formula-strip{display:flex;flex-wrap:wrap;gap:.55rem;align-items:center;margin:1.4rem 0 2rem}.formula-strip span{padding:.45rem .65rem;border:1px solid rgba(255,255,255,.2);border-radius:7px;color:#fff;font-size:.7rem}.formula-strip b{color:#7de0d4}.tool-guidance{display:grid;grid-template-columns:1.2fr .8fr;gap:3rem;align-items:start}

/* Mortgage points decision timeline */
.points-workspace{background:#fffaf7}.points-intro{display:flex;justify-content:space-between;align-items:end;gap:2rem;margin-bottom:1.5rem}.points-board{display:grid;grid-template-columns:1.05fr .95fr;overflow:hidden;border:1px solid #efd8cf;border-radius:18px;background:#fff;box-shadow:0 18px 55px rgba(103,53,41,.08)}.points-form{display:grid;gap:1.3rem;padding:1.6rem}.points-input-row{display:grid;grid-template-columns:1fr .8fr 1.2fr;gap:.8rem}.quote-comparison{display:grid;grid-template-columns:1fr 42px 1fr;gap:.7rem;align-items:center;padding-top:1.3rem;border-top:1px solid var(--line)}.quote-comparison fieldset{padding:1rem;border:1px solid var(--line);border-radius:12px;background:var(--surface)}.quote-comparison legend{margin:0;padding:0 .35rem;width:auto}.versus{display:grid;place-items:center;width:40px;height:40px;border-radius:50%;background:var(--tool-soft);color:var(--tool-accent);font-size:.7rem;font-weight:850}.points-form .button{justify-self:start}.points-result{padding:1.6rem;background:#3a2521;color:#fff}.points-result p{color:#dfc9c3}.points-verdict{padding:1rem;border-left:4px solid #e6b05b;background:rgba(255,255,255,.06)}.points-verdict-positive{border-color:#7bd1a0}.points-verdict>span{color:#f3bd68;font-size:.62rem;font-weight:850;letter-spacing:.08em;text-transform:uppercase}.points-verdict-positive>span{color:#8bd9ac}.points-verdict h2{margin:.4rem 0;color:#fff;font-size:1.45rem}.points-verdict p{margin:0;font-size:.78rem}.points-metrics{display:grid;grid-template-columns:1fr 1fr;gap:1px;margin-top:1.2rem;background:rgba(255,255,255,.15)}.points-metrics>div{padding:1rem;background:#3a2521}.points-metrics span{display:block;color:#cdaea6;font-size:.62rem}.points-metrics strong{display:block;margin-top:.25rem;color:#fff;font-size:1.2rem}.points-metrics .positive-number{color:#8bd9ac}.points-metrics .negative-number{color:#ff9f8b}.points-timeline{display:grid;grid-template-columns:repeat(3,1fr);margin-top:1.3rem;border-top:2px solid #775b54}.points-timeline>div{position:relative;padding:1rem .4rem 0}.points-timeline>div::before{content:"";position:absolute;top:-7px;left:.4rem;width:12px;height:12px;border-radius:50%;background:#efb760}.points-timeline span,.points-timeline strong{display:block}.points-timeline span{color:#cdaea6;font-size:.6rem}.points-timeline strong{color:#fff;font-size:.75rem}.points-result .result-footnote{color:#cdaea6}.points-explainer{display:grid;grid-template-columns:.9fr 1.1fr;gap:4rem;align-items:start}.equation-card{padding:1.5rem;border:1px solid #efd8cf;border-top:5px solid var(--tool-accent);border-radius:14px;background:#fff}.equation-card h2{font-size:1.55rem}.equation-card p:last-child{margin:1rem 0 0}.points-reading h2{font-size:1.8rem}.points-reading h3{margin-top:1.5rem}.points-checklist{display:grid;grid-template-columns:1.1fr .9fr;gap:3rem;align-items:start}.points-checklist ol{padding-left:1.3rem}.points-checklist li{margin:.7rem 0;padding-left:.4rem}

/* Savings growth path */
.savings-workspace{background:linear-gradient(150deg,#eaf6e8,#f9fbf1)}.savings-shell{display:grid;grid-template-columns:360px minmax(0,1fr);overflow:hidden;border:1px solid #cadfc8;border-radius:22px;background:#fff;box-shadow:0 20px 60px rgba(48,94,53,.1)}.savings-plan{padding:1.7rem;background:#173f29;color:#fff}.savings-plan h2{color:#fff}.savings-plan>p{color:#c5daca;font-size:.82rem}.savings-form{display:grid;gap:.85rem;margin-top:1.5rem}.savings-form label{color:#e3eee5}.savings-rate-row{display:grid;grid-template-columns:1fr 1fr;gap:.8rem}.savings-form .button{margin-top:.4rem;background:#f2c35c;color:#213624}.savings-result{padding:1.8rem}.savings-total{display:block;color:#235d35;font-size:clamp(2.7rem,5vw,4rem);line-height:1}.goal-status{display:grid;grid-template-columns:1fr auto;gap:.1rem 1rem;margin:1.2rem 0;padding:1rem;border-radius:12px;background:var(--tool-soft)}.goal-status span{font-size:.68rem;font-weight:800;text-transform:uppercase;letter-spacing:.05em}.goal-status strong{grid-row:1/3;grid-column:2;font-size:1.5rem}.goal-status p{margin:0;font-size:.7rem}.goal-on-track strong{color:#23703c}.goal-gap{background:#fff2e8}.goal-gap strong{color:#a74732}.growth-composition{display:grid;gap:.7rem;margin-top:1.2rem}.growth-composition b{color:var(--ink)}.growth-composition em{color:#235d35}.savings-checkpoints{margin-top:1.5rem}.savings-checkpoints h3{margin-bottom:.7rem;font-size:1.05rem}.savings-checkpoints .table-wrap{max-height:300px;overflow:auto}.savings-checkpoints table{font-size:.72rem}.savings-method{display:grid;grid-template-columns:1.2fr .8fr;gap:4rem;align-items:start}.savings-method h2{font-size:2rem}.savings-reality-check{padding:1.4rem;border-radius:14px;background:#173f29}.savings-reality-check h3{color:#fff}.savings-reality-check p{margin:.7rem 0 0;color:#c5daca;font-size:.82rem}.savings-actions{display:grid;grid-template-columns:1fr 1fr;gap:4rem}.action-list{display:grid;gap:.65rem;padding:0;list-style:none}.action-list li{display:grid;grid-template-columns:28px 1fr;gap:.6rem;padding:.75rem;border:1px solid var(--line);border-radius:9px;background:#fff;font-size:.8rem}.action-list span{display:grid;place-items:center;width:26px;height:26px;border-radius:50%;background:var(--tool-soft);color:var(--tool-accent);font-weight:900}

/* CD ladder maturity map */
.cd-workspace{background:#f7f6fc}.cd-workspace-heading{display:grid;grid-template-columns:1fr 420px;gap:3rem;align-items:end;margin-bottom:1.6rem}.cd-workspace-heading p{max-width:680px}.cd-rung-key{display:flex;align-items:center}.cd-rung-key span{display:grid;place-items:center;flex:0 0 34px;height:34px;border-radius:50%;background:#6456a5;color:#fff;font-size:.7rem;font-weight:850}.cd-rung-key i{height:2px;flex:1;background:#c9c3e6}.cd-form{display:grid;grid-template-columns:1.35fr 1fr 1fr 1fr auto;gap:.8rem;align-items:end;padding:1.3rem;border:1px solid #d9d5ec;border-radius:16px;background:#fff}.cd-form .button{white-space:nowrap}.cd-result{margin-top:1rem;padding:1.5rem;border:1px solid #d9d5ec;border-radius:16px;background:#fff}.cd-summary{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:#d9d5ec}.cd-summary>div{padding:1rem;background:#f8f7fe}.cd-summary span{display:block;color:#675d86;font-size:.62rem}.cd-summary strong{display:block;margin-top:.25rem;color:#3e356d;font-size:1.25rem}.cd-schedule{margin-top:1.3rem}.cd-schedule caption{padding:.7rem;text-align:left;color:var(--ink);font-weight:800}.cd-schedule th span{display:inline-grid;place-items:center;width:24px;height:24px;margin-right:.4rem;border-radius:50%;background:var(--tool-soft);color:var(--tool-accent);font-size:.65rem}.cd-guide-lead{max-width:760px}.cd-guide-lead h2{font-size:2.2rem}.cd-choice-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem;margin-top:2rem}.cd-choice-grid article{padding:1.3rem;border:1px solid var(--line);border-top:4px solid var(--tool-accent);border-radius:12px;background:#fff}.cd-choice-grid article>span{color:var(--tool-accent);font-size:.62rem;font-weight:850;letter-spacing:.08em;text-transform:uppercase}.cd-choice-grid h3{margin:.45rem 0}.cd-choice-grid p{margin:0;font-size:.8rem}.cd-guardrails{display:grid;grid-template-columns:1.1fr .9fr;gap:3rem;align-items:start}.cd-guardrails ol{display:grid;gap:.7rem;margin:1.1rem 0 0;padding:0;list-style:none}.cd-guardrails li{display:grid;grid-template-columns:38px 1fr;gap:.75rem;align-items:center}.cd-guardrails li strong{display:grid;place-items:center;width:36px;height:36px;border-radius:10px;background:var(--tool-soft);color:var(--tool-accent)}.cd-guardrails li span{font-size:.82rem}

/* Loan comparison board */
.loan-heading{max-width:780px;margin-bottom:1.5rem}.loan-form{padding:1.5rem;border:1px solid #cedfe5;border-radius:18px 18px 0 0;background:#fff}.loan-amount{max-width:380px;margin-bottom:1.2rem}.offer-grid{display:grid;grid-template-columns:1fr 62px 1fr;align-items:stretch}.offer-grid fieldset{display:grid;grid-template-columns:repeat(3,1fr);gap:.8rem;padding:1.2rem;border:1px solid #cfe0e5}.offer-grid .offer-a{border-radius:14px 0 0 14px}.offer-grid .offer-b{border-radius:0 14px 14px 0}.offer-grid legend{width:auto;margin:0;padding:0 .45rem;font-size:.75rem}.offer-grid legend span{display:inline-grid;place-items:center;width:25px;height:25px;margin-right:.35rem;border-radius:50%;background:var(--tool-accent);color:#fff}.offer-divider{display:grid;place-items:center;background:#d9e8ec}.offer-divider span{writing-mode:vertical-rl;color:#466a76;font-size:.62rem;font-weight:850;letter-spacing:.1em;text-transform:uppercase}.loan-form>.button{margin-top:1.2rem}.loan-result{padding:1.5rem;border-radius:0 0 18px 18px;background:#0d3341;color:#fff}.loan-verdict{max-width:780px}.loan-verdict>span{color:#82d6de;font-size:.62rem;font-weight:850;letter-spacing:.08em;text-transform:uppercase}.loan-verdict h2{margin:.35rem 0;color:#fff}.loan-verdict p{margin:0;color:#c3d7da;font-size:.8rem}.loan-result-grid{display:grid;grid-template-columns:1fr 1fr;gap:1px;margin-top:1.3rem;background:rgba(255,255,255,.15)}.loan-offer-result{padding:1.3rem;background:#0d3341}.loan-offer-result header{display:flex;justify-content:space-between;gap:1rem}.loan-offer-result header span{color:#a9c7cb;font-size:.7rem;font-weight:800}.loan-offer-result header b{padding:.2rem .45rem;border-radius:10px;background:#dff5ec;color:#176349;font-size:.6rem}.loan-offer-result>strong{display:block;margin:.6rem 0 1rem;color:#fff;font-size:2rem}.loan-offer-result>strong small{font-size:.75rem}.loan-offer-result dl{margin:0}.loan-offer-result dl div{display:flex;justify-content:space-between;gap:1rem;padding:.45rem 0;border-top:1px solid rgba(255,255,255,.12)}.loan-offer-result dt{color:#a9c7cb;font-size:.67rem}.loan-offer-result dd{margin:0;color:#fff;font-size:.72rem;font-weight:750}.payment-winner{margin:.8rem 0 0!important;color:#82d6de!important;font-size:.65rem!important;font-weight:800}.loan-tradeoff{display:grid;grid-template-columns:130px 1fr;gap:1rem;margin-top:1rem;padding:1rem;border:1px solid rgba(255,255,255,.15)}.loan-tradeoff strong{color:#82d6de}.loan-tradeoff p{margin:0;color:#c3d7da;font-size:.78rem}.loan-result .result-footnote{color:#a9c7cb}.loan-reading-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:4rem}.lens-grid{display:grid;grid-template-columns:1fr 1fr;gap:1px;margin-top:1.5rem;background:rgba(255,255,255,.15)}.lens-grid article{padding:1rem;background:var(--navy)}.lens-grid span{color:#7de0d4;font-size:.62rem;font-weight:850;text-transform:uppercase;letter-spacing:.08em}.lens-grid h3{margin:.4rem 0}.lens-grid p{margin:0;font-size:.76rem}.loan-next{display:grid;grid-template-columns:1.2fr .8fr;gap:3rem;align-items:start}

@media(max-width:1000px){.tool-hero-inner{grid-template-columns:1fr;gap:1.5rem}.tool-hero-note{max-width:420px}.mortgage-calculator-shell,.points-board{grid-template-columns:1fr}.mortgage-result-panel{min-height:0}.savings-shell{grid-template-columns:310px minmax(0,1fr)}.cd-workspace-heading{grid-template-columns:1fr}.cd-rung-key{max-width:420px}.cd-form{grid-template-columns:1fr 1fr}.cd-form .button{grid-column:1/-1}.offer-grid fieldset{grid-template-columns:1fr}.tool-reference-grid{gap:3rem}}
@media(max-width:720px){.tool-hero{padding:3rem 0 2.6rem}.tool-hero h1{font-size:2.65rem}.workspace-heading,.points-intro{display:block}.workspace-heading>p,.points-intro>p{margin-top:.7rem}.field-grid,.tool-copy-grid,.tool-guidance,.points-explainer,.points-checklist,.savings-shell,.savings-method,.savings-actions,.cd-guardrails,.loan-reading-grid,.loan-next,.tool-reference-grid{grid-template-columns:1fr}.mortgage-form,.mortgage-result-panel,.points-form,.points-result,.savings-plan,.savings-result{padding:1.25rem}.mortgage-stress,.numbered-checks{grid-template-columns:1fr}.points-input-row{grid-template-columns:1fr}.quote-comparison{grid-template-columns:1fr}.versus{justify-self:center}.points-timeline{grid-template-columns:1fr;border-top:0;border-left:2px solid #775b54;margin-left:.4rem}.points-timeline>div{padding:.45rem 0 .45rem 1rem}.points-timeline>div::before{top:.85rem;left:-7px}.points-explainer,.points-checklist,.savings-method,.savings-actions,.cd-guardrails,.loan-reading-grid,.loan-next,.tool-guidance,.tool-copy-grid{gap:2rem}.cd-form{grid-template-columns:1fr}.cd-form .button{grid-column:auto}.cd-summary,.cd-choice-grid{grid-template-columns:1fr}.offer-grid{grid-template-columns:1fr}.offer-grid .offer-a,.offer-grid .offer-b{border-radius:12px}.offer-divider{min-height:42px}.offer-divider span{writing-mode:horizontal-tb}.loan-result-grid,.lens-grid{grid-template-columns:1fr}.loan-tradeoff{grid-template-columns:1fr}.tool-reference li{align-items:start;flex-direction:column;gap:.2rem}.tool-reference li span{white-space:normal}}

/* TODAY.you decision-dossier desktop navigation */
.nav-topic{--nav-accent:#008b83;--nav-deep:#006d68;--nav-soft:#e6f6f1}.nav-topic-mortgage{--nav-accent:#008b83;--nav-deep:#006760;--nav-soft:#e6f6f1}.nav-topic-savings{--nav-accent:#3b824c;--nav-deep:#285f36;--nav-soft:#edf7e9}.nav-topic-cd{--nav-accent:#695bb0;--nav-deep:#4f438b;--nav-soft:#f0eefb}.nav-topic-borrowing{--nav-accent:#28738c;--nav-deep:#19576e;--nav-soft:#e9f4f7}
.desktop-nav{gap:.05rem}.desktop-nav>.desktop-nav-group>.nav-parent{gap:.38rem;padding:.4rem .45rem;border:1px solid transparent;border-radius:10px;transition:background-color .16s,border-color .16s,color .16s,box-shadow .16s}.desktop-nav>.desktop-nav-group>.nav-parent:hover,.desktop-nav>.desktop-nav-group>.nav-parent:focus-visible,.desktop-nav>.desktop-nav-group>.nav-parent[aria-expanded=true]{border-color:color-mix(in srgb,var(--nav-accent) 24%,transparent);background:var(--nav-soft);color:var(--nav-deep);box-shadow:0 5px 14px color-mix(in srgb,var(--nav-accent) 8%,transparent)}
.nav-topic-icon{display:grid;place-items:center;width:22px;height:22px;border:1px solid color-mix(in srgb,var(--nav-accent) 22%,transparent);border-radius:7px;background:#fff;color:var(--nav-accent)}.nav-topic-icon svg{width:15px;height:15px;fill:none;stroke:currentColor;stroke-width:1.65;stroke-linecap:round;stroke-linejoin:round}.nav-chevron{display:grid;place-items:center;width:19px;height:16px;border:0;border-radius:0;background:transparent;color:var(--nav-accent);transform:none}.nav-chevron svg{width:16px;height:11px;overflow:visible;fill:var(--nav-accent);stroke:currentColor;stroke-width:1.55;stroke-linecap:round;stroke-linejoin:round;transition:transform .22s cubic-bezier(.2,.75,.25,1)}.nav-parent:hover .nav-chevron,.nav-parent:focus-visible .nav-chevron,.nav-parent[aria-current=page] .nav-chevron{border-color:transparent;background:transparent;color:var(--nav-deep)}.desktop-nav-group:hover .nav-chevron svg,.desktop-nav-group:focus-within .nav-chevron svg,.desktop-nav-group.is-open .nav-chevron svg{transform:translateY(1px) rotate(180deg)}
.desktop-nav-panel.mega-panel{top:calc(100% + 20px);grid-template-columns:1fr 1fr;width:680px;padding:0;overflow:visible;border:1px solid color-mix(in srgb,var(--nav-accent) 24%,#dce7e2);border-top:0;border-radius:20px;background:#fff;box-shadow:0 26px 80px rgba(8,38,49,.22),0 4px 14px rgba(8,38,49,.08);transform:translateY(-9px) scale(.985);transform-origin:top center;transition:opacity .18s ease,transform .22s cubic-bezier(.2,.75,.25,1),visibility .18s}.desktop-nav-panel.mega-panel::before{top:-22px;height:22px}.desktop-nav-panel.mega-panel::after{content:"";position:absolute;z-index:2;top:0;left:22px;width:92px;height:4px;border-radius:0 0 5px 5px;background:linear-gradient(90deg,var(--nav-accent),var(--coral))}.desktop-nav-group:hover .desktop-nav-panel,.desktop-nav-group:focus-within .desktop-nav-panel,.desktop-nav-group.is-open .desktop-nav-panel{opacity:1;visibility:visible;transform:translateY(0) scale(1)}
.desktop-nav-panel.mega-panel>div{padding:0;border-left:0}.desktop-nav-panel.mega-panel>div+div{border-left:0}.desktop-nav-panel .panel-intro{position:relative;grid-column:1/-1;display:grid;grid-template-columns:52px 1fr auto;gap:1rem;align-items:center;padding:1.2rem 1.3rem 1.1rem;border-radius:20px 20px 0 0;background:linear-gradient(115deg,var(--nav-soft),#fff 72%)}.panel-sigil{display:grid;place-items:center;width:50px;height:50px;border:1px solid color-mix(in srgb,var(--nav-accent) 30%,transparent);border-radius:14px;background:#fff;color:var(--nav-accent);box-shadow:0 8px 20px color-mix(in srgb,var(--nav-accent) 10%,transparent)}.panel-sigil svg{width:29px;height:29px;fill:none;stroke:currentColor;stroke-width:1.55;stroke-linecap:round;stroke-linejoin:round}.desktop-nav-panel.mega-panel .panel-kicker{margin:0 0 .24rem;padding:0;color:var(--nav-deep);font-size:.58rem;font-weight:900;letter-spacing:.13em;text-transform:uppercase}.panel-intro strong{display:block;color:var(--ink);font:760 1rem/1.25 var(--display);letter-spacing:-.015em}.panel-intro small{display:block;margin:.28rem 0 0;color:var(--muted);font-size:.66rem}.panel-code{align-self:start;padding:.25rem .42rem;border:1px solid color-mix(in srgb,var(--nav-accent) 24%,transparent);border-radius:6px;color:var(--nav-deep);font-size:.54rem;font-weight:900;letter-spacing:.12em}
.desktop-nav-panel .panel-lane{padding:1rem 1.05rem 1.1rem!important}.desktop-nav-panel .panel-lane+.panel-lane{border-left:1px solid var(--line)}.panel-lane-heading{display:flex;align-items:center;gap:.55rem;margin:0 .45rem .45rem}.panel-lane-heading>span{display:grid;place-items:center;width:24px;height:24px;border-radius:7px;background:var(--nav-soft);color:var(--nav-deep);font-size:.56rem;font-weight:900}.desktop-nav-panel.mega-panel .panel-lane-heading>p{margin:0;padding:0;color:var(--nav-deep);font-size:.58rem;font-weight:900;letter-spacing:.11em;text-transform:uppercase}.desktop-nav-panel.mega-panel .panel-lane>a{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:38px;padding:.55rem .55rem;border:0;border-radius:9px;color:var(--ink-2);font-size:.75rem;font-weight:680;transition:background-color .15s,color .15s,transform .15s}.desktop-nav-panel.mega-panel .panel-lane>a+a{border-top:1px solid #edf2ef;border-radius:0}.desktop-nav-panel.mega-panel .panel-lane>a i{color:var(--nav-accent);font-size:.66rem;font-style:normal;opacity:0;transform:translate(-5px,3px);transition:opacity .15s,transform .15s}.desktop-nav-panel.mega-panel .panel-lane>a:hover,.desktop-nav-panel.mega-panel .panel-lane>a:focus-visible{border-radius:9px;background:var(--nav-soft);color:var(--nav-deep);transform:translateX(2px)}.desktop-nav-panel.mega-panel .panel-lane>a:hover i,.desktop-nav-panel.mega-panel .panel-lane>a:focus-visible i{opacity:1;transform:translate(0,0)}
.desktop-nav-panel.mega-panel .panel-footer{grid-column:1/-1;display:flex;align-items:center;justify-content:space-between;gap:1rem;padding:.85rem 1.15rem!important;border:0!important;border-radius:0 0 19px 19px!important;background:var(--nav-deep);color:#fff}.desktop-nav-panel.mega-panel .panel-footer:hover,.desktop-nav-panel.mega-panel .panel-footer:focus-visible{background:color-mix(in srgb,var(--nav-deep) 88%,#000);color:#fff}.panel-footer>span:first-child{display:block}.desktop-nav-panel.mega-panel .panel-footer strong{color:#fff;font-size:.76rem}.desktop-nav-panel.mega-panel .panel-footer small{margin-top:.14rem;color:color-mix(in srgb,var(--nav-soft) 78%,#fff);font-size:.61rem}.panel-count{display:flex!important;align-items:baseline;gap:.3rem;padding:.35rem .55rem;border:1px solid rgba(255,255,255,.2);border-radius:9px;color:#d7e8e8;font-size:.56rem;font-weight:750;text-transform:uppercase;letter-spacing:.06em;white-space:nowrap}.panel-count b{color:#fff;font-size:1rem;letter-spacing:0}
@media(max-width:1160px){.nav-topic-icon{display:none}.desktop-nav-panel.mega-panel{width:620px}.desktop-nav a{font-size:.8rem}}
@media(prefers-reduced-motion:reduce){.desktop-nav-panel.mega-panel,.desktop-nav>.desktop-nav-group>.nav-parent,.nav-chevron svg,.desktop-nav-panel.mega-panel .panel-lane>a,.desktop-nav-panel.mega-panel .panel-lane>a i{transition:none}}

/* Flat editorial system */
*,*::before,*::after{border-radius:0!important}
.market-card,.tool-card,.hub-card,.side-card,.comparison-note,.desktop-nav-panel,.panel-sigil,.key-points,.comparison-panel,.practical-check,.article-summary,.reader-note,.boundary-card,.worked-note,.equation-card,.mortgage-calculator-shell,.points-board,.savings-shell,.cd-form,.cd-result,.loan-form,.loan-result{box-shadow:none!important}
.desktop-nav-panel .panel-intro{grid-template-columns:52px 1fr}
.panel-lane-heading{margin:.1rem .55rem .55rem;padding-bottom:.45rem;border-bottom:2px solid var(--nav-accent)}
.desktop-nav-panel.mega-panel .panel-lane-heading>p{font-size:.66rem;letter-spacing:.06em}
.library-guide-grid article{grid-template-columns:1fr}
.visual-article-list article{grid-template-columns:1fr auto}
.guide-section,.calculation-step,.walkthrough-step,.timeline-step{display:block;padding:1.6rem 0;border-top:1px solid var(--line)}
.guide-section>div>h2,.calculation-step h2,.walkthrough-step h2,.timeline-step h2{margin:0 0 .7rem}
.walkthrough-track,.timeline-track{padding-left:0}
.walkthrough-track::before,.timeline-track::before{display:none}
.numbered-checks li{display:block;padding:1rem 1.1rem;border-left:3px solid var(--tool-accent)}
.editorial-checks{display:grid;gap:0;margin:1.1rem 0 0;padding:0;list-style:none;border-top:1px solid var(--line)}
.editorial-checks li{padding:.8rem 0;border-bottom:1px solid var(--line);font-size:.84rem}
.cd-workspace-heading{grid-template-columns:1fr}
.workflow-cards article{border-top:4px solid var(--teal)}
.site-header .nav-search,.desktop-nav-panel.mega-panel .panel-footer{border-radius:0!important}
.article-toc li{grid-template-columns:1fr}
.article-toc li::before{display:none;content:none}
.risk-lead>p{color:#c8d9da}

/* Full-width hero system */
.page-hero>.container.narrow,.article-header>.container.article-width{max-width:none}
.page-hero>.container.narrow>h1,.article-header h1{max-width:1100px}
.page-hero>.container.narrow>p,.page-hero>.container.narrow>.data-banner,.page-hero>.container.narrow>.library-search,.article-header .direct-answer,.article-header .dek{max-width:1000px}
.article-header .byline{max-width:1100px}
.article-header .article-facts{max-width:1000px}

@media(min-width:1001px){
  .hero-grid{grid-template-columns:minmax(0,1fr) minmax(320px,420px);gap:3rem}
  .hero h1{font-size:clamp(3rem,4.7vw,4.4rem)}
  .library-hero-grid{grid-template-columns:minmax(0,1.5fr) minmax(300px,.65fr);gap:3rem}
  .hub-hero-grid{grid-template-columns:minmax(0,1.35fr) minmax(340px,.65fr);gap:3rem}
  .tool-hero-inner{grid-template-columns:minmax(0,1fr) 250px;gap:2.5rem}
  .tool-hero h1{font-size:clamp(2.65rem,4.5vw,4.15rem)}
}

@media(min-width:721px) and (max-width:1000px){
  .page-hero,.article-header,.hub-hero,.tool-hero{padding-block:3.4rem 3rem}
  .page-hero h1,.article-header h1,.hub-hero h1,.tool-hero h1{font-size:clamp(3rem,6vw,3.75rem)}
  .hero-grid,.hub-hero-grid{grid-template-columns:1fr}
  .hero-visual,.hub-hero img{justify-self:start;max-width:620px}
  .tool-hero-note{max-width:none}
}

@media(max-width:720px){
  .page-hero,.article-header,.hub-hero,.tool-hero{padding-block:2.5rem 2.25rem}
  .page-hero h1,.article-header h1,.hub-hero h1,.tool-hero h1{font-size:clamp(2.2rem,10vw,2.8rem);line-height:1.02;overflow-wrap:anywhere}
  .page-hero>.container.narrow>p,.article-header .direct-answer,.article-header .dek{max-width:none}
  .article-header .article-facts{max-width:none}
}