@layer properties{@supports (((-webkit-hyphens:none)) and (not (margin-trim:block))) or ((-moz-orient:inline) and (not (color:rgb(from red r g b)))){*,:before,:after,::backdrop{--tw-rotate-x:initial;--tw-rotate-y:initial;--tw-rotate-z:initial;--tw-skew-x:initial;--tw-skew-y:initial;--tw-border-style:solid;--tw-shadow:0 0 #0000;--tw-shadow-color:initial;--tw-shadow-alpha:100%;--tw-inset-shadow:0 0 #0000;--tw-inset-shadow-color:initial;--tw-inset-shadow-alpha:100%;--tw-ring-color:initial;--tw-ring-shadow:0 0 #0000;--tw-inset-ring-color:initial;--tw-inset-ring-shadow:0 0 #0000;--tw-ring-inset:initial;--tw-ring-offset-width:0px;--tw-ring-offset-color:#fff;--tw-ring-offset-shadow:0 0 #0000;--tw-blur:initial;--tw-brightness:initial;--tw-contrast:initial;--tw-grayscale:initial;--tw-hue-rotate:initial;--tw-invert:initial;--tw-opacity:initial;--tw-saturate:initial;--tw-sepia:initial;--tw-drop-shadow:initial;--tw-drop-shadow-color:initial;--tw-drop-shadow-alpha:100%;--tw-drop-shadow-size:initial}}}@layer theme{:root,:host{--font-sans:var(--font-inter-tight), ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;--font-serif:var(--font-newsreader), Georgia, "Times New Roman", serif;--font-mono:var(--font-geist-mono), ui-monospace, SFMono-Regular, Menlo, monospace;--color-white:#fff;--radius-md:16px;--radius-lg:20px;--radius-xl:22px;--shadow-sm:0 8px 22px #0d2a4f0f;--shadow-lg:0 28px 70px #0d2a4f30;--default-transition-duration:.15s;--default-transition-timing-function:cubic-bezier(.4, 0, .2, 1);--default-font-family:var(--font-inter-tight), ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;--default-mono-font-family:var(--font-geist-mono), ui-monospace, SFMono-Regular, Menlo, monospace;--color-navy:#0d2a4f;--color-navy-2:#153d6c;--color-navy-3:#08213d;--color-blue:#2f6fb7;--color-red:#c8102e;--color-purple:#5559b3;--color-amber:#8f5c22;--color-green:#2f725e;--color-teal:#1c7076;--color-ink:#172b44;--color-muted:#5b6f85;--color-line:#dbe6f0;--radius-card:18px;--shadow-card:0 18px 48px #0d2a4f1c;--container-site:73.75rem}}@layer base{*,:after,:before,::backdrop{box-sizing:border-box;border:0 solid;margin:0;padding:0}::file-selector-button{box-sizing:border-box;border:0 solid;margin:0;padding:0}html,:host{-webkit-text-size-adjust:100%;tab-size:4;line-height:1.5;font-family:var(--default-font-family,-apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", "Noto Sans", Arial, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji");font-feature-settings:var(--default-font-feature-settings,normal);font-variation-settings:var(--default-font-variation-settings,normal);-webkit-tap-highlight-color:transparent}hr{height:0;color:inherit;border-top-width:1px}abbr:where([title]){-webkit-text-decoration:underline dotted;text-decoration:underline dotted}h1,h2,h3,h4,h5,h6{font-size:inherit;font-weight:inherit}a{color:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;text-decoration:inherit}b,strong{font-weight:bolder}code,kbd,samp,pre{font-family:var(--default-mono-font-family,ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace);font-feature-settings:var(--default-mono-font-feature-settings,normal);font-variation-settings:var(--default-mono-font-variation-settings,normal);font-size:1em}small{font-size:80%}sub,sup{vertical-align:baseline;font-size:75%;line-height:0;position:relative}sub{bottom:-.25em}sup{top:-.5em}table{text-indent:0;border-color:inherit;border-collapse:collapse}:-moz-focusring:where(:not(iframe)){outline:auto}progress{vertical-align:baseline}summary{display:list-item}ol,ul,menu{list-style:none}img,svg,video,canvas,audio,iframe,embed,object{vertical-align:middle;display:block}img,video{max-width:100%;height:auto}button,input,select,optgroup,textarea{font:inherit;font-feature-settings:inherit;font-variation-settings:inherit;letter-spacing:inherit;color:inherit;opacity:1;background-color:#0000;border-radius:0}::file-selector-button{font:inherit;font-feature-settings:inherit;font-variation-settings:inherit;letter-spacing:inherit;color:inherit;opacity:1;background-color:#0000;border-radius:0}:where(select:is([multiple],[size])) optgroup{font-weight:bolder}:where(select:is([multiple],[size])) optgroup option{padding-inline-start:20px}::file-selector-button{margin-inline-end:4px}::placeholder{opacity:1}@supports (not ((-webkit-appearance:-apple-pay-button))) or (contain-intrinsic-size:1px){::placeholder{color:currentColor}@supports (color:color-mix(in lab, red, red)){::placeholder{color:color-mix(in oklab, currentcolor 50%, transparent)}}}textarea{resize:vertical}::-webkit-search-decoration{-webkit-appearance:none}::-webkit-date-and-time-value{min-height:1lh;text-align:inherit}::-webkit-datetime-edit{display:inline-flex}::-webkit-datetime-edit-fields-wrapper{padding:0}::-webkit-datetime-edit{padding-block:0}::-webkit-datetime-edit-year-field{padding-block:0}::-webkit-datetime-edit-month-field{padding-block:0}::-webkit-datetime-edit-day-field{padding-block:0}::-webkit-datetime-edit-hour-field{padding-block:0}::-webkit-datetime-edit-minute-field{padding-block:0}::-webkit-datetime-edit-second-field{padding-block:0}::-webkit-datetime-edit-millisecond-field{padding-block:0}::-webkit-datetime-edit-meridiem-field{padding-block:0}::-webkit-calendar-picker-indicator{line-height:1}:-moz-ui-invalid{box-shadow:none}button,input:where([type=button],[type=reset],[type=submit]){appearance:button}::file-selector-button{appearance:button}::-webkit-inner-spin-button{height:auto}::-webkit-outer-spin-button{height:auto}[hidden]:where(:not([hidden=until-found])){display:none!important}html{scroll-padding-top:calc(var(--header-h) + 18px);scroll-behavior:smooth;-webkit-font-smoothing:antialiased}body{background-color:var(--color-white);font-family:var(--font-inter-tight), ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;color:var(--color-ink);min-width:0;line-height:1.5}body.nav-open{overflow:hidden}:where(h1,h2,h3,h4,h5,h6){font-weight:600}::selection{background:var(--color-navy);color:#fff}:is(a,button,input,select,textarea,summary):focus-visible{outline-offset:2px;outline:3px solid #2f6fb742}@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:40rem){input:not([type=checkbox]):not([type=radio]),select,textarea{min-height:44px;font-size:16px}button,[role=button]{touch-action:manipulation}}}@layer components{.sr-only{clip:rect(0, 0, 0, 0);white-space:nowrap;border:0;width:1px;height:1px;margin:-1px;padding:0;position:absolute;overflow:hidden}.skip-link{z-index:1000;color:var(--color-navy);box-shadow:var(--shadow-card);background:#fff;border-radius:9px;padding:10px 14px;font-weight:650;position:fixed;top:-80px;left:12px}.skip-link:focus{top:12px}.usc-main{min-width:0;overflow:clip}.site-header{z-index:100;-webkit-backdrop-filter:blur(14px);backdrop-filter:blur(14px);background:#fffffffa;border-bottom:1px solid #dbe6f0f2;position:sticky;top:0}.site-header__bar{height:var(--header-h);justify-content:space-between;align-items:center;gap:20px;display:flex}.brand{flex:none;align-items:center;min-width:0;display:flex}.brand__logo{object-fit:contain;width:210px;height:auto;max-height:54px;display:block}.primary-nav{color:#314a66;white-space:nowrap;justify-content:center;align-items:center;gap:18px;margin-left:auto;font-size:.86rem;display:flex}.primary-nav__link{color:#314a66;align-items:center;min-height:42px;padding:0 1px;font-weight:600;display:flex;position:relative}.primary-nav__link:after{content:"";background:var(--color-navy);transform-origin:0;height:2px;transition:transform var(--dur-fast) var(--ease-out-expo), background-color var(--dur-fast) var(--ease-out-expo);border-radius:999px;position:absolute;bottom:4px;left:0;right:0;transform:scaleX(0)}.primary-nav__link:hover:after,.primary-nav__link:focus-visible:after{transform:scaleX(1)}.primary-nav__link:hover,.primary-nav__link[aria-current=page]{color:var(--color-navy)}.primary-nav__link[aria-current=page]:after{background:var(--color-red);transform:scaleX(1)}.header-actions{flex:none;align-items:center;gap:8px;display:flex}.header-icon-button{border:1px solid var(--color-line);width:42px;height:42px;color:var(--color-navy);cursor:pointer;background:#fff;border-radius:11px;place-items:center;transition:all .16s;display:grid}.header-icon-button:hover{background:#f6f9fc;border-color:#aec7df}.menu-button,.mobile-menu[hidden]{display:none}.mobile-menu{left:0;right:0;top:var(--header-h);z-index:60;border-top:1px solid var(--color-line);border-bottom:1px solid var(--color-line);padding:12px var(--gutter) calc(18px + env(safe-area-inset-bottom));max-height:calc(100dvh - var(--header-h));background:#fff;position:fixed;overflow:auto;box-shadow:0 18px 44px #0d2a4f24}.mobile-nav{grid-template-columns:1fr 1fr;gap:5px 10px;display:grid}.mobile-nav__link{color:#29435f;background:#fff;border:1px solid #e4ecf3;border-radius:11px;justify-content:space-between;align-items:center;min-height:48px;padding:11px 13px;font-size:.8rem;font-weight:650;display:flex}.mobile-nav__link[aria-current=page]{color:var(--color-navy);background:#edf5fb;border-color:#cbddec}.nav-backdrop{inset:var(--header-h) 0 0;z-index:56;cursor:pointer;background:#05132561;border:0;padding:0;position:fixed}.brief{background:var(--color-navy);color:#fff;border-bottom:1px solid #ffffff14;overflow:hidden}.brief__inner{align-items:center;gap:14px;min-height:43px;font-size:.66rem;display:flex}.brief__label{white-space:nowrap;text-transform:uppercase;letter-spacing:.06em;color:#d5e4f2;align-items:center;gap:7px;font-weight:700;display:flex}.brief__dot{background:#53cca0;border-radius:50%;flex:none;width:7px;height:7px;box-shadow:0 0 0 3px #53cca01f}.brief__divider{background:#ffffff2e;flex:none;width:1px;height:18px}.brief__text{color:#afc2d5;white-space:nowrap;text-overflow:ellipsis;flex:1;min-width:0;margin:0;overflow:hidden}.brief__text strong{color:#fff}.brief__link{color:#fff;white-space:nowrap;align-items:center;gap:6px;font-weight:650;display:flex}.section-soft{border-block:1px solid var(--color-line);background:radial-gradient(circle,#0d2a4f0f 1px,#0000 1.3px) 0 0/22px 22px,linear-gradient(#f5f9fc 0%,#eef6fb 100%)}.section-heading{justify-content:space-between;align-items:flex-end;gap:24px;margin-bottom:26px;display:flex}.section-heading--center{text-align:center;justify-content:center}.section-heading--center .section-label{justify-content:center}.section-label{color:var(--color-blue);letter-spacing:.11em;text-transform:uppercase;align-items:center;gap:8px;margin-bottom:8px;font-size:.73rem;font-weight:700;display:inline-flex}.section-label__icon{width:28px;height:28px;color:var(--color-blue);background:#eaf3fb;border-radius:9px;place-items:center;display:grid}.section-heading__title{color:var(--color-navy);font-family:var(--font-serif);letter-spacing:-.015em;margin:0;font-size:clamp(2rem,3vw,2.8rem);font-weight:450;line-height:1.05}.section-heading__copy{max-width:650px;color:var(--color-muted);margin:7px 0 0;font-size:.91rem}.section-link{color:var(--color-blue);white-space:nowrap;align-items:center;gap:7px;font-size:.78rem;font-weight:700;display:inline-flex}.section-link:hover{color:var(--color-navy)}.button-primary,.button-secondary{cursor:pointer;border-radius:10px;justify-content:center;align-items:center;gap:8px;min-height:44px;padding:11px 18px;font-size:.82rem;font-weight:700;text-decoration:none;display:inline-flex}.button-primary,a.button-primary:not(.button-primary--light),button.button-primary:not(.button-primary--light){background:var(--color-navy);color:#fff;box-shadow:0 6px 14px #0d2a4f29}.button-primary:hover{background:var(--color-navy-2)}.button-secondary{color:var(--color-navy);background:#f1f6fa;border:1px solid #dce8f1}.button-secondary:hover{border-color:#b9cfe3}.info-hero{border-bottom:1px solid var(--color-line);background:radial-gradient(circle at 90% 18%,#2f6fb71f,#0000 28%),linear-gradient(#fbfdff 0%,#f3f8fc 100%);padding:44px 0 50px}.info-eyebrow{color:var(--color-blue);letter-spacing:.11em;text-transform:uppercase;margin:0 0 12px;font-size:.74rem;font-weight:700}.info-title{color:var(--color-navy);font-family:var(--font-serif);letter-spacing:-.025em;max-width:760px;margin:0;font-size:clamp(2.6rem,5vw,4.2rem);font-weight:450;line-height:1}.info-lede{color:#4c637b;max-width:640px;margin:18px 0 0;font-size:1.04rem;line-height:1.65}.info-actions{flex-wrap:wrap;gap:10px;margin-top:24px;display:flex}.site-footer{background:var(--color-navy-3);color:#dce6f0;padding-bottom:env(safe-area-inset-bottom);margin-top:42px}.site-footer__top{grid-template-columns:1.15fr .85fr;align-items:start;gap:42px;padding:36px 0 28px;display:grid}.site-footer__intro{max-width:510px}.site-footer__brand-row{align-items:center;gap:14px;margin-bottom:12px;display:flex}.site-footer__emblem{background:#fff;border-radius:50%;flex:none;place-items:center;width:42px;height:42px;display:grid;overflow:hidden}.site-footer__brand{font-family:var(--font-serif);color:#fff;margin:0;font-size:1.42rem;font-weight:700}.site-footer__tagline{color:#aebed1;max-width:480px;margin:0;font-size:.78rem;line-height:1.65}.site-footer__actions{grid-template-columns:1fr 1fr;gap:11px;display:grid}.footer-action{color:#fff;background:#ffffff0b;border:1px solid #ffffff1f;border-radius:12px;grid-template-columns:38px 1fr;align-items:center;gap:10px;min-height:72px;padding:13px 14px;display:grid}.footer-action:hover{background:#ffffff13}.footer-action__icon{color:#c8dbed;background:#ffffff12;border-radius:9px;place-items:center;width:34px;height:34px;display:grid}.footer-action strong{color:#fff;margin:0 0 2px;font-size:.76rem;display:block}.footer-action span>span{color:#97abc1;font-size:.64rem;line-height:1.4;display:block}.site-footer__mid{border-top:1px solid #ffffff17;border-bottom:1px solid #ffffff17;padding:22px 0}.site-footer__nav{grid-template-columns:repeat(4,1fr);gap:28px;display:grid}.site-footer__nav h2{color:#fff;text-transform:uppercase;letter-spacing:.075em;margin:0 0 9px;font-size:.7rem;font-weight:700}.site-footer__nav a{color:#b8c7d9;min-height:24px;margin:2px 0;font-size:.73rem;line-height:24px;display:block}.site-footer__nav a:hover{color:#fff}.site-footer__disclosure{color:#a8b9cc;padding:20px 0 0;font-size:.7rem;line-height:1.6}.site-footer__bottom{color:#8fa2b8;justify-content:space-between;align-items:center;gap:20px;padding:17px 0 21px;font-size:.67rem;display:flex}.site-footer__legal{flex-wrap:wrap;justify-content:flex-end;gap:15px;display:flex}.site-footer__legal a{color:#a8b9cc}.site-footer__legal a:hover{color:#fff}@media (max-width:67.5rem){.site-header__bar{gap:10px}.brand__logo{width:188px;max-height:46px}.primary-nav{display:none}.menu-button{display:grid}.site-footer__top{grid-template-columns:1fr;gap:24px}.site-footer__nav{grid-template-columns:1fr 1fr;gap:22px 28px}}@media (max-width:40rem){.brand__logo{width:174px;max-height:43px}.header-actions{gap:6px}.header-icon-button{border-radius:10px;width:40px;height:40px}.mobile-menu{padding:10px 11px calc(17px + env(safe-area-inset-bottom))}.mobile-nav{grid-template-columns:1fr;gap:6px}.brief__inner{gap:8px;min-height:42px;font-size:.59rem}.brief__divider{display:none}.brief__label{font-size:.56rem}.brief__link{background:#ffffff14;border-radius:8px;place-items:center;width:30px;height:30px;display:grid}.brief__link-text{clip:rect(0, 0, 0, 0);width:1px;height:1px;position:absolute;overflow:hidden}.section-heading{align-items:flex-start;margin-bottom:20px}.section-link{display:none}.section-heading__title{font-size:2rem}.section-heading__copy{font-size:.82rem}.button-primary,.button-secondary{min-height:46px}.info-hero{padding:26px 0 32px}.site-footer{margin-top:32px}.site-footer__top{padding:30px 0 24px}.site-footer__actions{grid-template-columns:1fr}.site-footer__nav{grid-template-columns:1fr 1fr;gap:20px 18px}.site-footer__bottom{flex-direction:column;align-items:flex-start;gap:10px}.site-footer__legal{justify-content:flex-start;gap:12px}}@media (max-width:22.5rem){.brand__logo{width:160px}.header-search{display:none}}.info-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;display:grid}.info-card{border:1px solid var(--color-line);border-radius:var(--radius-card);background:#fff;padding:22px;box-shadow:0 6px 22px #0d2a4f0b}.info-card h2{color:var(--color-navy);font-family:var(--font-serif);margin:0 0 8px;font-size:1.25rem;font-weight:500}.info-card p{color:var(--color-muted);margin:0;font-size:.88rem;line-height:1.55}.info-card a{color:var(--color-blue);margin-top:12px;font-size:.78rem;font-weight:700;display:inline-block}.info-prose{max-width:760px;color:var(--color-ink);font-size:1rem;line-height:1.7}.info-prose h2{color:var(--color-navy);font-family:var(--font-serif);scroll-margin-top:calc(var(--header-h) + 18px);margin:30px 0 10px;font-size:1.55rem;font-weight:500;line-height:1.15}.info-prose h2:first-child{margin-top:0}.info-prose p{margin:0 0 14px}.info-prose ol,.info-prose ul{margin:0 0 14px;padding-left:22px}.info-prose a{color:var(--color-blue);text-underline-offset:3px;font-weight:700;text-decoration:underline}.info-updated{color:var(--color-muted);font-size:.8rem;font-weight:700}.info-callout{border-radius:var(--radius-md);background:#fbf3e9;border:1px solid #ead9c4;margin:22px 0;padding:18px 20px}.info-callout h2{color:#7a4f1b;margin:0 0 6px;font-size:1.15rem}.info-callout p{color:#5f4a33;margin:0}@media (max-width:48rem){.info-grid{grid-template-columns:1fr}}.error-page{max-width:640px}.error-page h1{color:var(--color-navy);font-family:var(--font-serif);margin:0 0 12px;font-size:clamp(1.9rem,4vw,2.6rem);font-weight:450}.error-page>p{color:var(--color-muted);margin:0 0 20px}.error-page__ref{margin-top:20px!important;font-size:.74rem!important}.site-header{transition:box-shadow var(--dur-base) var(--ease-out-expo), background-color var(--dur-base) var(--ease-out-expo)}html[data-scrolled] .site-header{background:#ffffffeb;box-shadow:0 10px 30px #0d2a4f14}.brand__logo{transform-origin:0;transition:transform var(--dur-base) var(--ease-out-expo)}html[data-scrolled] .brand__logo{transform:scale(.94)}.section-index{font-family:var(--font-mono);letter-spacing:.1em;color:var(--color-red);border-right:1px solid var(--color-line);margin-right:2px;padding-right:10px;font-size:.68rem;font-weight:500;line-height:1}.section-heading--rule{border-top:1px solid var(--color-line);padding-top:22px}.breadcrumbs{color:var(--color-muted);flex-wrap:wrap;gap:2px;margin-bottom:18px;font-size:.72rem;font-weight:700;display:flex}.breadcrumbs a:hover,.breadcrumbs [aria-current=page]{color:var(--color-navy)}.eyebrow{color:var(--color-blue);letter-spacing:.11em;text-transform:uppercase;align-items:center;gap:9px;margin:0 0 12px;font-size:.74rem;font-weight:700;display:inline-flex}.eyebrow__dot{background:var(--color-red);border-radius:50%;width:8px;height:8px;box-shadow:0 0 0 4px #c8102e1f}.article-hero{border-bottom:1px solid var(--color-line);background:radial-gradient(circle at 90% 18%,#2f6fb71f,#0000 28%),linear-gradient(#fbfdff 0%,#f3f8fc 100%);padding:34px 0 44px}.article-hero__grid{grid-template-columns:1.35fr .85fr;align-items:start;gap:40px;display:grid}.article-hero h1{color:var(--color-navy);font-family:var(--font-serif);letter-spacing:-.035em;max-width:720px;margin:0;font-size:clamp(2.4rem,4.6vw,3.9rem);font-weight:450;line-height:1.02}.article-deck{color:#4c637b;max-width:640px;margin:16px 0 0;font-size:1.04rem;line-height:1.65}.article-meta{color:var(--color-muted);flex-wrap:wrap;gap:6px 14px;margin:16px 0 0;font-size:.74rem;font-weight:700;display:flex}.article-meta span+span:before{content:"•";color:#b5c4d3;margin-right:14px}.article-note{color:#5a7088;background:#ffffffb8;border:1px solid #dce8f2;border-radius:10px;max-width:640px;margin:14px 0 0;padding:10px 13px;font-size:.72rem;line-height:1.5}.article-side{border:1px solid var(--color-line);border-radius:var(--radius-lg);box-shadow:var(--shadow-sm);background:#fff;padding:22px}.article-side h2{color:var(--color-navy);font-family:var(--font-serif);margin:0 0 12px;font-size:1.25rem;font-weight:500}.takeaway-list{gap:10px;margin:0;padding:0;list-style:none;display:grid}.takeaway-list li{color:#3f5670;grid-template-columns:28px 1fr;align-items:start;gap:10px;font-size:.86rem;line-height:1.5;display:grid}.takeaway-num{width:28px;height:28px;color:var(--color-blue);background:#eaf3fb;border-radius:9px;place-items:center;font-size:.78rem;font-weight:700;display:grid}.article-layout{grid-template-columns:235px minmax(0,1fr);align-items:start;gap:44px;display:grid}.article-toc{top:calc(var(--header-h) + 20px);border:1px solid var(--color-line);border-radius:var(--radius-md);background:#fff;gap:4px;padding:16px;display:grid;position:sticky}.article-toc__title{color:var(--color-navy);letter-spacing:.08em;text-transform:uppercase;margin:0 0 6px;font-size:.72rem;font-weight:700}.article-toc a{color:#4a6179;border-radius:8px;padding:6px 8px;font-size:.8rem;font-weight:700;display:block}.article-toc a:hover{color:var(--color-navy);background:#f1f6fa}.article-toc__sub{padding-left:18px!important;font-weight:600!important}.article-body{max-width:720px;color:var(--color-ink);font-size:1.02rem;line-height:1.7}.article-body h2{color:var(--color-navy);font-family:var(--font-serif);letter-spacing:-.02em;scroll-margin-top:calc(var(--header-h) + 18px);margin:36px 0 12px;font-size:1.7rem;font-weight:500;line-height:1.15}.article-body h3{color:var(--color-navy);margin:26px 0 8px;font-size:1.12rem}.article-body p{margin:0 0 16px}.article-body ul,.article-body ol{margin:0 0 16px;padding-left:22px}.article-body li{margin:6px 0}.article-body a{color:var(--color-blue);text-underline-offset:3px;font-weight:700;text-decoration:underline}.answer-box{border-radius:var(--radius-md);scroll-margin-top:calc(var(--header-h) + 18px);background:linear-gradient(135deg,#edf6fc 0%,#f8fbfd 100%);border:1px solid #d8e6f2;margin:0 0 28px;padding:20px 22px}.answer-box strong{color:var(--color-blue);letter-spacing:.1em;text-transform:uppercase;margin-bottom:6px;font-size:.72rem;font-weight:700;display:block}.answer-box p{color:var(--color-navy);margin:0;font-size:1.08rem;line-height:1.6}.example-card{border-radius:var(--radius-md);border:1px solid var(--color-line);box-shadow:var(--shadow-sm);background:#fff;margin:22px 0;padding:20px 22px}.example-card h3{margin:0 0 6px}.example-card>p{color:var(--color-muted);margin-bottom:14px;font-size:.9rem}.example-grid{grid-template-columns:repeat(2,1fr);gap:10px;margin:0;display:grid}.example-stat{background:#f4f8fc;border-radius:12px;padding:12px 14px}.example-stat dt{color:var(--color-muted);letter-spacing:.05em;text-transform:uppercase;font-size:.7rem;font-weight:650}.example-stat dd{color:var(--color-navy);margin:4px 0 0;font-size:1.25rem;font-weight:700}.inline-tool{border-radius:var(--radius-md);background:#fbfdff;border:1px dashed #b9cfe3;margin:22px 0;padding:18px 20px}.inline-tool h3{margin:0 0 4px}.inline-tool p{color:var(--color-muted);margin:0 0 10px;font-size:.9rem}.inline-tool a{align-items:center;gap:6px;text-decoration:none;display:inline-flex}.product-next{border-radius:var(--radius-lg);color:#fff;background:linear-gradient(135deg, var(--color-navy-2) 0%, var(--color-navy) 63%, var(--color-navy-3) 100%);margin:36px 0 24px;padding:24px}.product-next__label{color:#a8c8e7;letter-spacing:.1em;text-transform:uppercase;margin:0 0 6px;font-size:.7rem;font-weight:700}.product-next h2{color:#fff;font-family:var(--font-serif);margin:0 0 8px;font-size:1.5rem;font-weight:500}.product-next p{color:#c9d8e7;margin:0 0 16px;font-size:.92rem}.source-box{border-radius:var(--radius-md);border:1px solid var(--color-line);scroll-margin-top:calc(var(--header-h) + 18px);background:#f7fafc;margin-top:28px;padding:20px 22px}.source-box h2{margin:0 0 8px;font-size:1.2rem}.source-box p{color:var(--color-muted);font-size:.88rem}.source-box ul{margin:0;padding-left:20px;font-size:.9rem}.source-box__date{color:var(--color-muted);font-size:.8rem}.related-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;display:grid}.article-faq{max-width:820px}.article-faq .section-heading__title{margin-bottom:18px}.faq-list{gap:9px;display:grid}.faq-item{border:1px solid var(--color-line);background:#fff;border-radius:13px;overflow:hidden}.faq-question{min-height:52px;color:var(--color-navy);cursor:pointer;justify-content:space-between;align-items:center;gap:14px;padding:15px 17px;font-size:.92rem;font-weight:650;list-style:none;display:flex}.faq-question::-webkit-details-marker{display:none}.faq-icon{color:var(--color-blue);flex:none;transition:transform .18s}.faq-item[open] .faq-icon{transform:rotate(45deg)}.faq-answer{color:#3f5670;padding:0 17px 16px;font-size:.92rem;line-height:1.65}.guide-card{border:1px solid var(--color-line);border-radius:var(--radius-card);background:#fff;flex-direction:column;padding:20px;transition:transform .2s,box-shadow .2s;display:flex;box-shadow:0 6px 22px #0d2a4f0b}.guide-card:hover{box-shadow:var(--shadow-card);transform:translateY(-3px)}.guide-card__kicker{color:var(--accent,var(--color-blue));letter-spacing:.08em;text-transform:uppercase;margin:0 0 8px;font-size:.66rem;font-weight:700}.guide-card__title{color:var(--color-navy);font-family:var(--font-serif);margin:0 0 8px;font-size:1.18rem;font-weight:500;line-height:1.2}.guide-card__copy{color:var(--color-muted);margin:0;font-size:.82rem;line-height:1.5}.guide-card__foot{justify-content:space-between;align-items:center;gap:10px;margin-top:auto;padding-top:14px;display:flex}.guide-card__meta{color:var(--color-muted);font-size:.68rem}.guide-card__link{color:var(--accent,var(--color-blue));align-items:center;gap:6px;font-size:.74rem;font-weight:700;display:inline-flex}@media (max-width:64rem){.article-hero__grid,.article-layout{grid-template-columns:1fr;gap:24px}.article-toc{scrollbar-width:none;flex-wrap:nowrap;gap:6px;padding:10px;display:flex;position:static;overflow-x:auto}.article-toc__title{display:none}.article-toc a{white-space:nowrap;border:1px solid var(--color-line);border-radius:999px;padding:7px 12px;font-size:.74rem}.related-grid{grid-template-columns:1fr 1fr}}@media (max-width:40rem){.article-hero{padding:24px 0 30px}.article-body{font-size:1rem}.example-grid,.related-grid{grid-template-columns:1fr}}.legal-brief{background:var(--color-navy);color:#fff;border-bottom:1px solid #ffffff14}.legal-brief__inner{align-items:center;gap:14px;min-height:43px;font-size:.68rem;display:flex}.legal-brief__label{white-space:nowrap;text-transform:uppercase;letter-spacing:.06em;color:#d5e4f2;align-items:center;gap:7px;font-weight:700;display:flex}.legal-brief__copy{color:#afc2d5;white-space:nowrap;text-overflow:ellipsis;flex:1;min-width:0;margin:0;overflow:hidden}.legal-brief__copy strong{color:#fff}.legal-brief__link{color:#fff;white-space:nowrap;align-items:center;gap:6px;font-weight:650;display:flex}.legal-eyebrow{color:var(--color-blue);letter-spacing:.1em;text-transform:uppercase;align-items:center;gap:8px;margin:0 0 12px;font-size:.72rem;font-weight:700;display:inline-flex}.legal-hero{border-bottom:1px solid var(--color-line);background:radial-gradient(circle at 90% 18%,#2f6fb71f,#0000 28%),linear-gradient(#fbfdff 0%,#f3f8fc 100%);padding:44px 0 50px}.legal-hero__grid{grid-template-columns:1.15fr .85fr;align-items:center;gap:40px;display:grid}.legal-hero h1{color:var(--color-navy);font-family:var(--font-serif);letter-spacing:-.035em;margin:0;font-size:clamp(2.6rem,5vw,4.4rem);font-weight:450;line-height:1}.legal-hero__copy{color:#4c637b;max-width:600px;margin:16px 0 0;font-size:1.02rem;line-height:1.65}.legal-hero__updated{color:var(--color-muted);margin:12px 0 0;font-size:.78rem;font-weight:700}.legal-hero__actions{flex-wrap:wrap;gap:10px;margin-top:22px;display:flex}.legal-system-card{border:1px solid var(--color-line);border-radius:var(--radius-xl);box-shadow:var(--shadow-sm);background:#fff;padding:24px}.legal-system-card h2{color:var(--color-navy);font-family:var(--font-serif);margin:0 0 8px;font-size:1.3rem;font-weight:500}.legal-system-card>p{color:var(--color-muted);margin:0 0 16px;font-size:.86rem;line-height:1.55}.system-steps{gap:10px;display:grid}.system-step{background:#f5f9fc;border-radius:12px;grid-template-columns:34px 1fr;align-items:start;gap:12px;padding:12px;display:grid}.system-step__icon{width:34px;height:34px;color:var(--color-blue);background:#fff;border:1px solid #d8e6f1;border-radius:10px;place-items:center;display:grid}.system-step strong{color:var(--color-navy);font-size:.82rem;display:block}.system-step span:last-child{color:var(--color-muted);margin-top:2px;font-size:.74rem;line-height:1.45;display:block}.legal-heading{max-width:720px;margin-bottom:24px}.section-kicker{color:var(--color-blue);letter-spacing:.1em;text-transform:uppercase;margin:0 0 8px;font-size:.72rem;font-weight:700}.legal-heading h2{color:var(--color-navy);font-family:var(--font-serif);letter-spacing:-.02em;margin:0;font-size:clamp(1.8rem,3vw,2.5rem);font-weight:450;line-height:1.08}.legal-heading p:last-child{color:var(--color-muted);margin:10px 0 0;font-size:.92rem;line-height:1.6}.doc-grid{grid-template-columns:repeat(4,minmax(0,1fr));gap:14px;display:grid}.doc-card{--accent:var(--color-blue);--tint:#edf5fc;border:1px solid var(--color-line);border-radius:var(--radius-card);background:#fff;flex-direction:column;gap:8px;padding:20px;transition:transform .2s,box-shadow .2s;display:flex;box-shadow:0 5px 18px #0d2a4f0a}.doc-card[style*="--i: 1"]{--accent:var(--color-purple);--tint:#f0effb}.doc-card[style*="--i: 2"]{--accent:var(--color-green);--tint:#edf7f4}.doc-card[style*="--i: 3"]{--accent:var(--color-amber);--tint:#fbf3e9}.doc-card:hover{box-shadow:var(--shadow-card);transform:translateY(-3px)}.doc-card__icon{background:var(--tint);width:42px;height:42px;color:var(--accent);border-radius:13px;place-items:center;display:grid}.doc-card>strong{color:var(--color-navy);font-family:var(--font-serif);font-size:1.12rem;font-weight:500;line-height:1.2}.doc-card__blurb{color:var(--color-muted);flex:1;font-size:.78rem;line-height:1.5}.doc-card__meta{justify-content:space-between;align-items:center;gap:8px;margin-top:8px;display:flex}.doc-pill{background:var(--tint);color:var(--accent);letter-spacing:.06em;text-transform:uppercase;border-radius:999px;padding:4px 8px;font-size:.62rem;font-weight:700}.doc-card__link{color:var(--accent);align-items:center;gap:5px;font-size:.72rem;font-weight:700;display:inline-flex}.product-grid{grid-template-columns:1fr 1fr;gap:16px;display:grid}.product-card{border:1px solid var(--color-line);border-radius:var(--radius-lg);background:#fff;padding:24px;box-shadow:0 6px 22px #0d2a4f0b}.product-card__head{grid-template-columns:44px 1fr;align-items:start;gap:14px;display:grid}.product-card__icon{width:44px;height:44px;color:var(--color-blue);background:#eaf3fb;border-radius:13px;place-items:center;display:grid}.product-card--cards .product-card__icon{color:var(--color-red);background:#faedf0}.product-card h3{color:var(--color-navy);font-family:var(--font-serif);margin:0 0 6px;font-size:1.3rem;font-weight:500}.product-card__head p{color:var(--color-muted);margin:0;font-size:.86rem;line-height:1.55}.product-status{color:#4a6179;letter-spacing:.05em;text-transform:uppercase;background:#f1f6fa;border-radius:999px;grid-column:2;justify-self:start;margin-top:10px;padding:5px 10px;font-size:.66rem;font-weight:700}.product-status--active{color:#2f765f;background:#edf7f4}.product-list{gap:6px;margin:16px 0 0;padding:0;list-style:none;display:grid}.product-list li{color:#3f5670;align-items:center;gap:8px;font-size:.86rem;display:flex}.product-list svg{color:var(--color-green)}.product-actions{flex-wrap:wrap;gap:10px;margin-top:18px;display:flex}.arch-grid{grid-template-columns:repeat(3,1fr);gap:14px;display:grid}.arch-card{border:1px solid var(--color-line);border-radius:var(--radius-card);background:#fff;padding:22px;position:relative}.arch-number{background:var(--color-navy);color:#fff;border-radius:10px;place-items:center;width:34px;height:34px;margin-bottom:12px;font-weight:700;display:inline-grid}.arch-card h3{color:var(--color-navy);margin:0 0 6px;font-size:1.05rem}.arch-card p{color:var(--color-muted);margin:0;font-size:.84rem;line-height:1.55}.document-hero{border-bottom:1px solid var(--color-line);background:linear-gradient(#fbfdff 0%,#f3f8fc 100%);padding:30px 0 28px}.document-title-row{justify-content:space-between;align-items:flex-start;gap:24px;display:flex}.document-hero h1{color:var(--color-navy);font-family:var(--font-serif);letter-spacing:-.03em;margin:0;font-size:clamp(2.2rem,4.2vw,3.4rem);font-weight:450;line-height:1.04}.document-lede{color:#4c637b;max-width:680px;margin:14px 0 0;font-size:1rem;line-height:1.65}.document-status{color:#4a6179;white-space:nowrap;background:#fff;border:1px solid #d8e6f1;border-radius:999px;flex:none;align-items:center;gap:7px;padding:8px 12px;font-size:.74rem;font-weight:650;display:inline-flex}.document-status--active{color:#2f765f;background:#edf7f4;border-color:#cfe5dc}.document-meta{flex-wrap:wrap;gap:8px;margin-top:18px;display:flex}.document-meta span{border:1px solid var(--color-line);color:#4a6179;background:#fff;border-radius:999px;padding:6px 11px;font-size:.72rem;font-weight:600}.document-layout{padding-block:var(--section-y);grid-template-columns:235px minmax(0,1fr);align-items:start;gap:44px;display:grid}.document-toc{top:calc(var(--header-h) + 20px);border:1px solid var(--color-line);border-radius:var(--radius-md);background:#fff;gap:2px;padding:14px;display:grid;position:sticky}.document-toc strong{color:var(--color-navy);letter-spacing:.08em;text-transform:uppercase;margin:0 0 6px;font-size:.7rem;font-weight:700}.document-toc a{color:#4a6179;border-radius:8px;padding:6px 8px;font-size:.78rem;font-weight:700;display:block}.document-toc a:hover{color:var(--color-navy);background:#f1f6fa}.document-content{max-width:760px;color:var(--color-ink);font-size:.98rem;line-height:1.7}.policy-summary{grid-template-columns:repeat(3,1fr);gap:12px;margin-bottom:28px;display:grid}.summary-card{background:#f5f9fc;border:1px solid #dfe9f2;border-radius:14px;gap:6px;padding:16px;display:grid}.summary-card__icon{width:32px;height:32px;color:var(--color-blue);background:#fff;border:1px solid #d8e6f1;border-radius:10px;place-items:center;display:grid}.summary-card strong{color:var(--color-navy);font-size:.82rem}.summary-card span:last-child{color:var(--color-muted);font-size:.74rem;line-height:1.45}.document-content h2{color:var(--color-navy);font-family:var(--font-serif);letter-spacing:-.02em;scroll-margin-top:calc(var(--header-h) + 18px);margin:34px 0 10px;font-size:1.55rem;font-weight:500;line-height:1.15}.document-content h2:first-of-type{margin-top:0}.document-content h3{color:var(--color-navy);margin:22px 0 6px;font-size:1.05rem}.document-content p{margin:0 0 14px}.document-content ul,.document-content ol{margin:0 0 14px;padding-left:22px}.document-content li{margin:5px 0}.document-content a{color:var(--color-blue);text-underline-offset:3px;font-weight:700;text-decoration:underline}.policy-section{scroll-margin-top:calc(var(--header-h) + 18px)}.policy-callout{background:#f1f6fa;border:1px solid #d8e6f1;border-radius:14px;margin:18px 0;padding:16px 18px;font-size:.92rem;line-height:1.55}.policy-callout strong{color:var(--color-navy);margin-bottom:4px;display:block}.policy-callout--warn{color:#5f4a33;background:#fbf3e9;border-color:#ead9c4}.policy-callout--warn strong{color:#7a4f1b}.policy-links{flex-wrap:wrap;gap:10px;margin:14px 0 18px;display:flex}.policy-links a{background:var(--color-navy);color:#fff;border-radius:10px;align-items:center;gap:6px;min-height:42px;padding:9px 14px;font-size:.78rem;font-weight:700;text-decoration:none;display:inline-flex}.policy-links a.policy-links__secondary{color:var(--color-navy);background:#f1f6fa;border:1px solid #dce8f1}.choice-grid{grid-template-columns:1fr 1fr;gap:12px;margin:16px 0 20px;display:grid}.choice-card{border:1px solid var(--color-line);box-shadow:var(--shadow-sm);background:#fff;border-radius:14px;padding:16px 18px}.choice-card h3{margin:0 0 6px;font-size:1rem}.choice-card p{color:var(--color-muted);margin:0 0 10px;font-size:.84rem;line-height:1.5}.choice-card a{align-items:center;gap:6px;font-size:.78rem;font-weight:700;text-decoration:none;display:inline-flex}.loan-doc-groups{grid-template-columns:1fr 1fr;gap:14px;margin:16px 0 22px;display:grid}.loan-doc-group{border:1px solid var(--color-line);background:#f7fafc;border-radius:14px;padding:18px}.loan-doc-group h3{margin:0 0 4px}.loan-doc-group>p{color:var(--color-muted);margin:0 0 10px;font-size:.82rem}.loan-doc-list{gap:8px;margin:0;padding:0;list-style:none;display:grid}.loan-doc-item{grid-template-columns:30px 1fr;align-items:start;gap:10px;margin:0;display:grid}.loan-doc-item__icon{width:30px;height:30px;color:var(--color-blue);background:#fff;border:1px solid #d8e6f1;border-radius:9px;place-items:center;display:grid}.loan-doc-item a{font-size:.86rem;display:block}.loan-doc-item span>span{color:var(--color-muted);font-size:.76rem;line-height:1.45;display:block}@media (max-width:64rem){.legal-hero__grid{grid-template-columns:1fr;gap:24px}.doc-grid{grid-template-columns:1fr 1fr}.arch-grid{grid-template-columns:1fr}.document-layout{grid-template-columns:1fr;gap:22px}.document-toc{scrollbar-width:none;flex-wrap:nowrap;gap:6px;padding:10px;display:flex;position:static;overflow-x:auto}.document-toc strong{display:none}.document-toc a{white-space:nowrap;border:1px solid var(--color-line);border-radius:999px;padding:7px 12px;font-size:.72rem}}@media (max-width:40rem){.legal-brief__copy{display:none}.legal-hero{padding:26px 0 32px}.doc-grid,.product-grid,.choice-grid,.loan-doc-groups,.policy-summary{grid-template-columns:1fr}.document-title-row{flex-direction:column;gap:12px}}.rate-card{gap:6px;display:grid;position:relative}.rate-card--row{color:#fff;background:#ffffff0e;border:1px solid #ffffff18;border-radius:14px;grid-template-columns:1fr auto;align-items:center;gap:11px;padding:11px 12px}.rate-card--row .rate-card__name{color:#d4dfeb;font-size:.75rem;font-weight:600}.rate-card--row .rate-card__name small{color:#b4c4d6;margin-top:1px;font-size:.61rem;font-weight:500;display:block}.rate-card--row .rate-card__value{text-align:right;letter-spacing:-.01em;font-size:1.05rem;font-weight:700}.rate-card--row .rate-card__value small{color:#8fa8bf;margin-top:1px;font-size:.59rem;font-weight:700;display:block}.rate-card--card{border:1px solid var(--color-line);border-radius:var(--radius-md);box-shadow:var(--shadow-sm);background:#fff;padding:18px}.rate-card--card .rate-card__name{color:var(--color-muted);letter-spacing:.04em;text-transform:uppercase;font-size:.74rem;font-weight:650}.rate-card--card .rate-card__name small{text-transform:none;letter-spacing:0;color:var(--color-muted);margin-top:3px;font-size:.7rem;font-weight:600;display:block}.rate-card--card .rate-card__value{color:var(--color-navy);letter-spacing:-.02em;font-size:1.9rem;font-weight:700;line-height:1.05}.rate-card--card .rate-card__value small{color:var(--color-muted);letter-spacing:0;margin-top:4px;font-size:.68rem;font-weight:700;display:block}.rate-card__value--muted{color:var(--color-muted)!important;font-size:1.1rem!important}.rate-card--unavailable .rate-card__meta{color:var(--color-muted);font-size:.7rem}.rate-card--row.rate-card--unavailable .rate-card__meta{color:#8fa8bf;grid-column:1/-1}.rate-card__chip{color:#7a4f1b;letter-spacing:.06em;text-transform:uppercase;background:#fbf3e9;border-radius:999px;padding:3px 7px;font-size:.58rem;font-weight:700;position:absolute;top:10px;right:10px}.rate-card--row .rate-card__chip{grid-column:1/-1;justify-self:start;position:static}.sparkline{width:100%;height:34px;color:var(--color-blue);margin-top:6px}.rate-card--row .sparkline{display:none}.calculator{border:1px solid var(--color-line);border-radius:var(--radius-lg);box-shadow:var(--shadow-sm);background:#fff;gap:18px;padding:22px;display:grid}.calc-fields{grid-template-columns:repeat(2,minmax(0,1fr));gap:12px 14px;display:grid}.calc-field label{color:var(--color-navy);margin-bottom:6px;font-size:.74rem;font-weight:650;display:block}.calc-field small{color:var(--color-muted);margin-top:4px;font-size:.7rem;display:block}.calc-input{min-height:44px;color:var(--color-muted);background:#fbfdff;border:1px solid #cfdce8;border-radius:11px;align-items:center;gap:6px;padding:0 12px;font-weight:700;display:flex}.calc-input:focus-within{border-color:var(--color-blue);box-shadow:0 0 0 3px #2f6fb724}.calc-input input{min-width:0;color:var(--color-navy);background:0 0;border:0;outline:0;flex:1;padding:10px 0;font-size:1rem;font-weight:650}.calc-field select{width:100%;min-height:44px;color:var(--color-navy);background:#fbfdff;border:1px solid #cfdce8;border-radius:11px;padding:0 12px;font-size:1rem;font-weight:650}.calc-result{background:linear-gradient(145deg, var(--color-navy-2) 0%, var(--color-navy) 60%, var(--color-navy-3) 100%);color:#fff;border-radius:14px;padding:18px 20px}.calc-result__label{color:#a8c8e7;letter-spacing:.08em;text-transform:uppercase;font-size:.7rem;font-weight:700}.calc-result__primary{letter-spacing:-.02em;margin-top:4px;font-size:clamp(1.9rem,4vw,2.5rem);font-weight:700;line-height:1.1}.calc-breakdown{border-top:1px solid #ffffff1f;grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:10px;margin:14px 0 0;padding-top:14px;display:grid}.calc-breakdown dt{color:#9fb5ca;font-size:.66rem;font-weight:600}.calc-breakdown dd{margin:2px 0 0;font-size:1.05rem;font-weight:700}.calc-note{color:#c9d8e7;margin:12px 0 0;font-size:.72rem;line-height:1.5}.calc-note--warning{color:#ffd9a8}.calculator--compact{gap:12px;padding:16px}.calculator--compact .calc-fields{gap:10px}.calc-hero{border-bottom:1px solid var(--color-line);background:radial-gradient(circle at 90% 18%,#2f6fb71f,#0000 28%),linear-gradient(#fbfdff 0%,#f3f8fc 100%);padding:30px 0 36px}.calc-hero h1{color:var(--color-navy);font-family:var(--font-serif);letter-spacing:-.03em;max-width:760px;margin:0;font-size:clamp(2.2rem,4.4vw,3.6rem);font-weight:450;line-height:1.03}.calc-hero__copy{color:#4c637b;max-width:640px;margin:14px 0 0;font-size:1.02rem;line-height:1.65}.calc-layout{grid-template-columns:minmax(0,1.4fr) minmax(260px,.6fr);align-items:start;gap:28px;display:grid}.calc-aside{gap:12px;display:grid}.calc-aside__card{border-radius:var(--radius-md);border:1px solid var(--color-line);background:#f7fafc;padding:18px 20px}.calc-aside__card h2{color:var(--color-navy);margin:0 0 8px;font-size:1rem}.calc-aside__card ul{color:#3f5670;margin:0 0 10px;padding-left:18px;font-size:.84rem;line-height:1.55}.calc-aside__card p{color:var(--color-muted);margin:0;font-size:.76rem;line-height:1.5}.calc-aside__card a{color:var(--color-blue);text-underline-offset:3px;font-weight:700;text-decoration:underline}.calc-aside__link{color:var(--color-blue);align-items:center;gap:6px;font-size:.8rem;font-weight:700;display:inline-flex}.calc-related{grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;display:grid}.calc-related__card,.calc-card{border:1px solid var(--color-line);border-radius:var(--radius-card);background:#fff;flex-direction:column;gap:8px;padding:18px;transition:transform .2s,box-shadow .2s;display:flex;box-shadow:0 5px 18px #0d2a4f0a}.calc-related__card:hover,.calc-card:hover{box-shadow:var(--shadow-card);transform:translateY(-3px)}.calc-related__card strong,.calc-card h3{color:var(--color-navy);margin:0;font-size:1rem;line-height:1.25}.calc-related__card>span:last-child,.calc-card p{color:var(--color-muted);margin:0;font-size:.78rem;line-height:1.5}.calc-badge{background:var(--tint,#edf5fc);color:var(--accent,var(--color-blue));letter-spacing:.06em;text-transform:uppercase;border-radius:999px;align-self:flex-start;padding:4px 8px;font-size:.62rem;font-weight:700}.calc-card__link{color:var(--accent,var(--color-blue));align-items:center;gap:6px;margin-top:auto;padding-top:8px;font-size:.74rem;font-weight:700;display:inline-flex}@media (max-width:64rem){.calc-layout{grid-template-columns:1fr}.calc-related{grid-template-columns:1fr 1fr}}@media (max-width:40rem){.calc-fields,.calc-related{grid-template-columns:1fr}.calculator{padding:16px}}.hero{border-bottom:1px solid var(--color-line);background:radial-gradient(circle at 90% 18%,#2f6fb71f,#0000 28%),linear-gradient(#fbfdff 0%,#f3f8fc 100%);position:relative;overflow:hidden}.hero:before{content:"";pointer-events:none;border:58px solid #c8102e09;border-radius:50%;width:360px;height:360px;position:absolute;top:45px;right:-130px}.hero__inner{z-index:1;grid-template-columns:1.13fr .87fr;align-items:center;gap:58px;padding:44px 0 50px;display:grid;position:relative}.hero h1{color:var(--color-navy);font-family:var(--font-serif);letter-spacing:-.025em;max-width:700px;margin:0;font-size:clamp(2.9rem,5.4vw,4.6rem);font-weight:450;line-height:.98}.hero__copy{color:#4c637b;max-width:620px;margin:18px 0 24px;font-size:1.04rem;line-height:1.65}.hero__actions{flex-wrap:wrap;gap:10px;display:flex}.hero__note{color:#5a7088;align-items:center;gap:8px;margin-top:16px;font-size:.78rem;font-weight:700;display:inline-flex}.hero__note-icon{width:26px;height:26px;color:var(--color-green);background:#edf7f4;border-radius:8px;place-items:center;display:grid}.reassurance{border-bottom:1px solid var(--color-line);background:#fff}.reassurance__grid{grid-template-columns:repeat(4,minmax(0,1fr));gap:14px;padding:18px 0;display:grid}.reassurance__item{grid-template-columns:40px 1fr;align-items:center;gap:11px;display:grid}.reassurance__icon{width:40px;height:40px;color:var(--color-blue);background:#eef5fb;border-radius:12px;place-items:center;display:grid}.reassurance__item strong{color:var(--color-navy);font-size:.8rem;display:block}.reassurance__item span:last-child{color:var(--color-muted);margin-top:1px;font-size:.7rem;display:block}.quick-card{border:1px solid var(--color-line);border-radius:var(--radius-xl);box-shadow:var(--shadow-card);background:#fff;padding:20px}.quick-card__head{flex-wrap:wrap;justify-content:space-between;align-items:center;gap:12px;margin-bottom:14px;display:flex}.quick-card__head h2{color:var(--color-navy);font-family:var(--font-serif);margin:0;font-size:1.25rem;font-weight:500}.quick-tabs{background:#f1f6fa;border-radius:11px;gap:4px;padding:4px;display:flex}.quick-tab{color:#4a6179;cursor:pointer;background:0 0;border:0;border-radius:8px;min-height:36px;padding:0 12px;font-size:.76rem;font-weight:700}.quick-tab.is-active{color:var(--color-navy);box-shadow:var(--shadow-sm);background:#fff}.quick-panel .calculator{box-shadow:none;border:0;padding:0}.category-rail{grid-template-columns:repeat(4,minmax(0,1fr));gap:14px;display:grid}.category-card{--accent:var(--color-blue);--tint:#edf5fc;border:1px solid var(--color-line);border-radius:var(--radius-card);background:#fff;flex-direction:column;gap:8px;padding:20px;display:flex;box-shadow:0 5px 18px #0d2a4f0a}.category-card__icon{background:var(--tint);width:46px;height:46px;color:var(--accent);border-radius:14px;place-items:center;display:grid}.category-card h3{color:var(--color-navy);font-family:var(--font-serif);margin:4px 0 0;font-size:1.15rem;font-weight:500}.category-card p{color:var(--color-muted);margin:0;font-size:.8rem;line-height:1.5}.category-card__links{flex-wrap:wrap;gap:6px;margin-top:6px;display:flex}.category-card__links a{background:var(--tint);color:var(--accent);border-radius:999px;padding:5px 9px;font-size:.66rem;font-weight:650}.library__controls{gap:12px;margin-bottom:18px;display:grid}.library__search{border:1px solid var(--color-line);max-width:560px;min-height:48px;color:var(--color-muted);box-shadow:var(--shadow-sm);background:#fff;border-radius:13px;align-items:center;gap:8px;padding:0 14px;display:flex}.library__search input{min-width:0;color:var(--color-ink);background:0 0;border:0;outline:0;flex:1;padding:10px 0;font-size:.95rem}.filter-chips{flex-wrap:wrap;gap:6px;display:flex}.filter-chip{color:#45617e;cursor:pointer;background:#fff;border:1px solid #dce8f1;border-radius:999px;min-height:36px;padding:0 13px;font-size:.74rem;font-weight:650}.filter-chip.is-active{background:var(--color-navy);border-color:var(--color-navy);color:#fff}.library__grid{grid-template-columns:repeat(4,minmax(0,1fr));gap:14px;display:grid}.library__empty{color:var(--color-muted);margin:18px 0 0;font-size:.9rem}.library__more{justify-content:center;margin-top:20px;display:flex}.calc-card__meta{color:var(--color-muted);font-size:.68rem}.method-panel{border:1px solid var(--color-line);border-radius:var(--radius-xl);box-shadow:var(--shadow-sm);background:#fff;grid-template-columns:1fr 1.2fr;align-items:center;gap:32px;padding:28px;display:grid}.method-panel h2{color:var(--color-navy);font-family:var(--font-serif);margin:0 0 10px;font-size:1.7rem;font-weight:500;line-height:1.12}.method-panel p{color:var(--color-muted);margin:0;font-size:.9rem;line-height:1.6}.method-points{grid-template-columns:1fr 1fr;gap:10px;display:grid}.method-point{background:#f5f9fc;border:1px solid #dfe9f2;border-radius:13px;padding:14px}.method-point strong{color:var(--color-navy);margin-bottom:3px;font-size:.8rem;display:block}.method-point span{color:var(--color-muted);font-size:.74rem;line-height:1.45}.next-grid{grid-template-columns:repeat(4,minmax(0,1fr));gap:14px;display:grid}.next-card{border:1px solid var(--color-line);border-radius:var(--radius-card);background:#fff;flex-direction:column;gap:6px;padding:18px;display:flex}.next-card h3{color:var(--color-navy);margin:0;font-size:1rem}.next-card p{color:var(--color-muted);margin:0;font-size:.78rem;line-height:1.5}.next-card a{color:var(--color-blue);align-items:center;gap:6px;margin-top:auto;padding-top:10px;font-size:.74rem;font-weight:700;display:inline-flex}.newsletter{padding-block:var(--section-y)}.newsletter__inner{border:1px solid var(--color-line);border-radius:var(--radius-xl);background:linear-gradient(135deg,#edf6fc 0%,#f8fbfd 100%);grid-template-columns:1.1fr .9fr;align-items:center;gap:28px;padding:28px;display:grid}.newsletter__copy{grid-template-columns:52px 1fr;align-items:start;gap:14px;display:grid}.newsletter__icon{width:52px;height:52px;color:var(--color-blue);box-shadow:var(--shadow-sm);background:#fff;border:1px solid #d8e6f1;border-radius:15px;place-items:center;display:grid}.newsletter__copy h2{color:var(--color-navy);font-family:var(--font-serif);margin:0 0 6px;font-size:1.4rem;font-weight:500}.newsletter__copy p{color:var(--color-muted);margin:0;font-size:.86rem;line-height:1.55}.newsletter__row{gap:8px;display:flex}.newsletter__row input{background:#fff;border:1px solid #cfdce8;border-radius:11px;flex:1;min-width:0;min-height:46px;padding:0 14px;font-size:.95rem}.newsletter__row input:disabled,.newsletter__row button:disabled{opacity:.6;cursor:not-allowed}.newsletter__consent{color:var(--color-muted);margin:10px 0 0;font-size:.7rem;line-height:1.5}.newsletter__consent a{color:var(--color-blue);font-weight:700}@media (max-width:67.5rem){.hero__inner{grid-template-columns:1fr;gap:28px;padding:30px 0 36px}.reassurance__grid,.category-rail,.library__grid,.next-grid{grid-template-columns:1fr 1fr}.method-panel,.newsletter__inner{grid-template-columns:1fr}}@media (max-width:40rem){.hero__inner{padding:26px 0 32px}.hero h1{font-size:clamp(2.6rem,13vw,3.3rem)}.reassurance__grid{grid-template-columns:1fr;gap:10px}.category-rail{scroll-snap-type:x mandatory;margin-inline:calc(var(--gutter) / -2);padding:0 calc(var(--gutter) / 2) 10px;scrollbar-width:none;gap:12px;display:flex;overflow-x:auto}.category-rail>*{scroll-snap-align:start;flex:0 0 84%}.library__grid,.next-grid,.method-points{grid-template-columns:1fr}.quick-card{padding:16px}.newsletter__row{flex-direction:column}}.newsletter__status{margin:8px 0 0;font-size:.8rem;font-weight:700}.newsletter__status.is-ok{color:var(--color-green)}.newsletter__status.is-error{color:#a61b26}.plan-card{color:#fff;background:linear-gradient(145deg, var(--color-navy-2) 0%, var(--color-navy) 58%, var(--color-navy-3) 100%);border:1px solid #ffffff14;border-radius:24px;padding:22px;box-shadow:0 24px 56px #0d2a4f38}.plan-card__kicker{color:#a8c8e7;letter-spacing:.1em;text-transform:uppercase;margin:0 0 4px;font-size:.66rem;font-weight:700}.plan-card__head h2{font-family:var(--font-serif);margin:0 0 14px;font-size:1.4rem;font-weight:500;line-height:1.1}.plan-card__controls{gap:14px;display:grid}.plan-control__label{color:#c5d6e7;justify-content:space-between;align-items:baseline;gap:10px;margin-bottom:6px;font-size:.72rem;display:flex}.plan-control__label strong{color:#fff;font-size:1rem}.range{appearance:none;background:linear-gradient(90deg, #79aee0 0 var(--fill,50%), #ffffff2e var(--fill,50%));outline-offset:6px;border-radius:999px;width:100%;height:6px;min-height:0}.range::-webkit-slider-thumb{appearance:none;border:3px solid var(--color-blue);cursor:pointer;background:#fff;border-radius:50%;width:22px;height:22px;box-shadow:0 4px 12px #00000040}.range::-moz-range-thumb{border:3px solid var(--color-blue);cursor:pointer;background:#fff;border-radius:50%;width:22px;height:22px}.range-scale{color:#8fa8bf;justify-content:space-between;margin-top:4px;font-size:.6rem;font-weight:700;display:flex}.plan-card__summary{grid-template-columns:1fr 1.2fr;gap:12px;margin-top:16px;display:grid}.plan-term__label{color:#a8c8e7;letter-spacing:.08em;text-transform:uppercase;margin-bottom:6px;font-size:.64rem;font-weight:700;display:block}.term-buttons{gap:5px;display:grid}.term-button{color:#d6e3ef;cursor:pointer;background:#ffffff0f;border:1px solid #ffffff24;border-radius:10px;min-height:40px;font-size:.76rem;font-weight:650}.term-button.is-active{color:var(--color-navy);background:#fff;border-color:#fff}.plan-result{background:#ffffff12;border:1px solid #ffffff1a;border-radius:14px;padding:12px 14px}.plan-result__label{color:#a8c8e7;letter-spacing:.08em;text-transform:uppercase;font-size:.64rem;font-weight:700}.plan-result__main{align-items:baseline;gap:4px;display:flex}.plan-result__main strong{letter-spacing:-.02em;font-size:1.9rem;font-weight:700}.plan-result__main span{color:#9fb5ca;font-size:.8rem}.plan-result__details{gap:16px;margin:8px 0 0;display:flex}.plan-result__details dt{color:#9fb5ca;font-size:.62rem}.plan-result__details dd{margin:0;font-size:.95rem;font-weight:700}.plan-card__foot{color:#88a2ba;border-top:1px solid #ffffff1a;justify-content:space-between;align-items:center;gap:12px;margin-top:14px;padding-top:12px;font-size:.64rem;display:flex}.plan-card__use{color:#fff;background:#ffffff1a;border-radius:9px;flex:none;align-items:center;min-height:36px;padding:0 12px;font-size:.72rem;font-weight:700;display:inline-flex}.purpose-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;display:grid}.purpose-card{--accent:var(--color-blue);--tint:#edf5fc;border:1px solid var(--color-line);border-radius:var(--radius-card);background:#fff;grid-template-columns:48px 1fr;gap:14px;padding:18px;transition:transform .2s,box-shadow .2s;display:grid;box-shadow:0 5px 18px #0d2a4f0a}.purpose-card:hover{box-shadow:var(--shadow-card);transform:translateY(-3px)}.purpose-card--emergency{--accent:var(--color-red);--tint:#faedf0}.purpose-card--home{--accent:var(--color-green);--tint:#edf7f4}.purpose-card--purchase{--accent:var(--color-purple);--tint:#f0effb}.purpose-card--medical{--accent:var(--color-amber);--tint:#fbf3e9}.purpose-card--vehicle{--accent:var(--color-teal);--tint:#e8f4f5}.purpose-card__icon{background:var(--tint);width:48px;height:48px;color:var(--accent);border-radius:14px;place-items:center;display:grid}.purpose-card strong{color:var(--color-navy);font-family:var(--font-serif);margin-bottom:4px;font-size:1.1rem;font-weight:500;display:block}.purpose-card>span>span:nth-child(2){color:var(--color-muted);font-size:.78rem;line-height:1.5;display:block}.purpose-card__link{color:var(--accent);align-items:center;gap:5px;margin-top:10px;font-size:.72rem;font-weight:700;display:inline-flex}.options-shell{grid-template-columns:.9fr 1.1fr;align-items:start;gap:32px;display:grid}.options-copy h2{color:var(--color-navy);font-family:var(--font-serif);margin:0 0 10px;font-size:clamp(1.9rem,3vw,2.5rem);font-weight:450;line-height:1.08}.options-copy>p{color:var(--color-muted);margin:0 0 18px;font-size:.92rem;line-height:1.6}.options-steps{gap:10px;margin:0;padding:0;list-style:none;display:grid}.options-step{border:1px solid var(--color-line);background:#fff;border-radius:13px;grid-template-columns:34px 1fr;align-items:center;gap:12px;padding:12px 14px;display:grid}.options-step__num{background:var(--color-navy);color:#fff;border-radius:10px;place-items:center;width:34px;height:34px;font-weight:700;display:grid}.options-step strong{color:var(--color-navy);font-size:.82rem;display:block}.options-step span>span{color:var(--color-muted);font-size:.72rem;display:block}.options-form{border:1px solid var(--color-line);border-radius:var(--radius-xl);box-shadow:var(--shadow-card);background:#fff;padding:24px}.options-form h3{color:var(--color-navy);font-family:var(--font-serif);margin:0 0 4px;font-size:1.35rem;font-weight:500}.options-form>p{color:var(--color-muted);margin:0 0 16px;font-size:.82rem}.field-grid{grid-template-columns:1fr 1fr;gap:12px 14px;display:grid}.field--full{grid-column:1/-1}.field label{color:var(--color-navy);margin-bottom:6px;font-size:.76rem;font-weight:650;display:block}.field select,.amount-input{width:100%;min-height:46px;color:var(--color-navy);background:#fbfdff;border:1px solid #cfdce8;border-radius:11px;font-size:1rem;font-weight:650}.field select{padding:0 12px}.amount-input{color:var(--color-muted);align-items:center;gap:6px;padding:0 12px;display:flex}.amount-input input{min-width:0;color:var(--color-navy);background:0 0;border:0;outline:0;flex:1;padding:10px 0;font-size:1.05rem;font-weight:700}.amount-input:focus-within{border-color:var(--color-blue);box-shadow:0 0 0 3px #2f6fb724}.quick-amounts{flex-wrap:wrap;gap:6px;margin-top:8px;display:flex}.quick-amounts button{color:#45617e;cursor:pointer;background:#fff;border:1px solid #dce8f1;border-radius:999px;min-height:34px;padding:0 11px;font-size:.72rem;font-weight:650}.quick-amounts button.is-active{background:var(--color-navy);border-color:var(--color-navy);color:#fff}.form-note{color:#4a6179;background:#f5f9fc;border-radius:12px;grid-template-columns:18px 1fr;align-items:start;gap:10px;margin:14px 0 0;padding:12px 14px;font-size:.72rem;line-height:1.5;display:grid}.form-note svg{color:var(--color-blue);margin-top:2px}.form-actions{justify-content:space-between;align-items:center;gap:14px;margin-top:16px;display:flex}.form-actions small{color:var(--color-muted);font-size:.68rem;line-height:1.45}.product-legal-links{color:#71849a;border-top:1px solid #e1e9f0;margin:12px 0 0;padding-top:12px;font-size:.66rem;line-height:1.55}.product-legal-links a{color:var(--color-blue);font-weight:650}.type-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;display:grid}.type-card{border:1px solid var(--color-line);border-radius:var(--radius-card);background:#fff;grid-template-columns:44px 1fr;gap:12px;padding:18px;display:grid}.type-card__icon{width:44px;height:44px;color:var(--color-blue);background:#eaf3fb;border-radius:13px;place-items:center;display:grid}.type-card h3{color:var(--color-navy);margin:0 0 4px;font-size:1rem}.type-card p{color:var(--color-muted);margin:0;font-size:.78rem;line-height:1.5}.type-card a{color:var(--color-blue);align-items:center;gap:5px;margin-top:8px;font-size:.72rem;font-weight:700;display:inline-flex}.cost-shell{grid-template-columns:1fr 1fr;align-items:center;gap:32px;display:grid}.cost-copy h2{color:var(--color-navy);font-family:var(--font-serif);margin:0 0 10px;font-size:clamp(1.9rem,3vw,2.5rem);font-weight:450;line-height:1.08}.cost-copy>p{color:var(--color-muted);margin:0 0 18px;font-size:.92rem;line-height:1.6}.cost-factors{grid-template-columns:1fr 1fr;gap:10px;display:grid}.factor{grid-template-columns:34px 1fr;align-items:start;gap:10px;display:grid}.factor__icon{width:34px;height:34px;color:var(--color-blue);background:#fff;border:1px solid #d8e6f1;border-radius:10px;place-items:center;display:grid}.factor strong{color:var(--color-navy);font-size:.8rem;display:block}.factor span>span{color:var(--color-muted);font-size:.72rem;line-height:1.45;display:block}.example-card--cost{margin:0}.example-head{justify-content:space-between;align-items:baseline;gap:10px;margin-bottom:12px;display:flex}.example-head h3{color:var(--color-navy);margin:0;font-size:1.05rem}.example-head span{color:var(--color-muted);text-transform:uppercase;letter-spacing:.06em;font-size:.7rem;font-weight:650}.example-line{background:#eef3f8;border-radius:999px;height:14px;display:flex;overflow:hidden}.example-line__principal{background:var(--color-navy)}.example-line__interest{background:var(--color-blue)}.example-line__fee{background:var(--color-amber)}.example-legend{gap:8px;margin:14px 0 0;display:grid}.example-legend div{color:#3f5670;justify-content:space-between;gap:10px;font-size:.82rem;display:flex}.example-legend dd{color:var(--color-navy);margin:0;font-weight:700}.example-disclosure{color:var(--color-muted);margin:12px 0 0;font-size:.7rem;line-height:1.5}.tool-layout{grid-template-columns:1.3fr 1fr;align-items:start;gap:16px;display:grid}.tool-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:15px;display:grid}.tool-grid--stack{grid-template-columns:1fr;gap:10px}.tool-card{--accent:var(--color-blue);--tint:#edf5fc;border:1px solid var(--color-line);border-radius:var(--radius-card);background:#fff;grid-template-columns:78px 1fr;transition:transform .2s,box-shadow .2s;display:grid;overflow:hidden;box-shadow:0 7px 22px #0d2a4f0b}.tool-card:hover{box-shadow:var(--shadow-card);transform:translateY(-2px)}.tool-card__visual{background:linear-gradient(180deg, var(--tint), #fff);border-right:1px solid var(--color-line);color:var(--accent);place-items:center;display:grid}.tool-card__icon{border:1px solid var(--accent);background:#fff;border-radius:14px;width:48px;height:48px}@supports (color:color-mix(in lab, red, red)){.tool-card__icon{border:1px solid color-mix(in srgb, var(--accent) 18%, #fff)}}.tool-card__icon{box-shadow:0 9px 22px var(--accent);place-items:center;display:grid}@supports (color:color-mix(in lab, red, red)){.tool-card__icon{box-shadow:0 9px 22px color-mix(in srgb, var(--accent) 12%, transparent)}}.tool-card__copy{padding:16px}.tool-card__copy h3{color:var(--color-navy);margin:0 0 4px;font-size:.95rem}.tool-card__copy p{color:var(--color-muted);margin:0;font-size:.76rem;line-height:1.48}.tool-card__link{color:var(--accent);align-items:center;gap:6px;margin-top:10px;font-size:.71rem;font-weight:700;display:inline-flex}.snapshot-shell{grid-template-columns:.9fr 1.1fr;align-items:center;gap:28px;display:grid}.snapshot-intro h2{color:var(--color-navy);font-family:var(--font-serif);margin:0 0 10px;font-size:clamp(1.8rem,3vw,2.4rem);font-weight:450;line-height:1.08}.snapshot-intro p{color:var(--color-muted);margin:0 0 14px;font-size:.9rem;line-height:1.6}.snapshot-cards{grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;display:grid}.guide-shell{color:#fff;background:linear-gradient(135deg, var(--color-navy-2) 0%, var(--color-navy) 63%, var(--color-navy-3) 100%);border-radius:24px;grid-template-columns:.82fr 1.18fr;align-items:center;gap:34px;padding:30px;display:grid;position:relative;overflow:hidden;box-shadow:0 22px 54px #0d2a4f29}.guide-shell:before{content:"";border:48px solid #ffffff06;border-radius:50%;width:290px;height:290px;position:absolute;top:-120px;left:-110px}.guide-shell__intro,.guide-shell__list{z-index:1;position:relative}.guide-shell__label{color:#a8c8e7}.guide-shell__label .section-label__icon{color:#d4e4f2;background:#ffffff14}.guide-shell__intro h2{font-family:var(--font-serif);letter-spacing:-.02em;margin:0;font-size:1.9rem;font-weight:500;line-height:1.08}.guide-shell__intro p{color:#becfe0;max-width:380px;margin:10px 0 0;font-size:.86rem}.guide-shell__list{grid-template-columns:1fr 1fr;gap:10px;display:grid}.guide-link{color:#fff;background:#fff1;border:1px solid #ffffff1b;border-radius:14px;grid-template-columns:40px 1fr 18px;align-items:center;gap:11px;padding:12px;transition:background .18s,transform .18s;display:grid}.guide-link:hover{background:#ffffff18;transform:translateY(-1px)}.guide-link__icon{color:#92b8dd;background:#ffffff14;border-radius:11px;place-items:center;width:38px;height:38px;display:grid}.guide-link strong{font-size:.8rem;display:block}.guide-link span>span{color:#94abc2;margin-top:2px;font-size:.66rem;line-height:1.35;display:block}.guide-link>svg:last-child{color:#8ea7bf}.update-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;display:grid}.update-card{border:1px solid var(--color-line);border-radius:var(--radius-card);background:#fff;flex-direction:column;padding:18px;display:flex;box-shadow:0 6px 22px #0d2a4f0b}.article-tag{color:var(--color-blue);letter-spacing:.07em;text-transform:uppercase;align-items:center;gap:6px;margin:0;font-size:.65rem;font-weight:700;display:inline-flex}.article-tag:before{content:"";opacity:.75;background:currentColor;border-radius:50%;width:7px;height:7px}.update-card h3{color:var(--color-navy);font-family:var(--font-serif);margin:8px 0 7px;font-size:1.18rem;font-weight:500;line-height:1.18}.update-card>p:not(.article-tag):not(.article-meta){color:var(--color-muted);margin:0;font-size:.8rem;line-height:1.5}.update-card .article-meta{color:var(--color-muted);border-top:1px solid #edf2f7;align-items:center;gap:6px;margin:13px 0 0;padding-top:12px;font-size:.68rem;display:flex}.update-card .article-meta span+span:before{content:none}.before-grid{grid-template-columns:.9fr 1.1fr;align-items:start;gap:32px;display:grid}.before-copy h2{color:var(--color-navy);font-family:var(--font-serif);margin:0 0 10px;font-size:clamp(1.8rem,3vw,2.4rem);font-weight:450;line-height:1.08}.before-copy p{color:var(--color-muted);margin:0;font-size:.9rem;line-height:1.6}.before-list{gap:10px;margin:0;padding:0;list-style:none;display:grid}.before-item{border:1px solid var(--color-line);background:#fff;border-radius:13px;grid-template-columns:36px 1fr;align-items:start;gap:12px;padding:14px;display:grid}.before-item__icon{width:36px;height:36px;color:var(--color-blue);background:#eaf3fb;border-radius:10px;place-items:center;display:grid}.before-item strong{color:var(--color-navy);font-size:.84rem;display:block}.before-item span>span{color:var(--color-muted);margin-top:2px;font-size:.74rem;line-height:1.5;display:block}.handoff{width:min(860px,100% - 24px);max-height:calc(100dvh - 24px);box-shadow:var(--shadow-lg);border:0;border-radius:22px;padding:0;overflow:hidden}.handoff::backdrop{-webkit-backdrop-filter:blur(3px);backdrop-filter:blur(3px);background:#0513258c}.handoff__grid{grid-template-columns:.9fr 1.1fr;display:grid}.handoff__side{background:linear-gradient(145deg, var(--color-navy-2) 0%, var(--color-navy) 60%, var(--color-navy-3) 100%);color:#fff;padding:26px}.handoff__brand{font-family:var(--font-serif);margin:0 0 12px;font-size:1.1rem;font-weight:700}.handoff__side h2{font-family:var(--font-serif);margin:0 0 8px;font-size:1.5rem;font-weight:500;line-height:1.12}.handoff__side p{color:#c9d8e7;margin:0;font-size:.84rem;line-height:1.55}.handoff__security{background:#ffffff14;border-radius:12px;grid-template-columns:16px 1fr;gap:8px;padding:12px;display:grid;margin-top:16px!important;font-size:.74rem!important}.handoff__main{background:#fff;padding:24px 26px 26px}.handoff__top{justify-content:space-between;align-items:center;gap:10px;margin-bottom:12px;display:flex}.secure-pill{color:#2f765f;letter-spacing:.06em;text-transform:uppercase;background:#edf7f4;border-radius:999px;padding:5px 10px;font-size:.66rem;font-weight:700}.handoff__close{border:1px solid var(--color-line);width:36px;height:36px;color:var(--color-navy);cursor:pointer;background:#fff;border-radius:10px;place-items:center;display:grid}.handoff__main h3{color:var(--color-navy);font-family:var(--font-serif);margin:0 0 6px;font-size:1.4rem;font-weight:500}.handoff__main>p{color:var(--color-muted);margin:0 0 14px;font-size:.86rem}.handoff__summary{grid-template-columns:1fr 1fr;gap:10px;margin:0 0 14px;display:grid}.handoff__summary div{background:#f5f9fc;border:1px solid #dfe9f2;border-radius:12px;padding:12px 14px}.handoff__summary dt{color:var(--color-muted);text-transform:uppercase;letter-spacing:.05em;font-size:.68rem;font-weight:650}.handoff__summary dd{color:var(--color-navy);margin:2px 0 0;font-size:1.1rem;font-weight:700}.handoff__note{color:#4a6179;grid-template-columns:16px 1fr;gap:8px;margin:0 0 16px;font-size:.74rem;line-height:1.5;display:grid}.handoff__note svg{color:var(--color-blue);margin-top:2px}.handoff__actions{flex-wrap:wrap;justify-content:flex-end;gap:10px;display:flex}@media (max-width:67.5rem){.purpose-grid,.type-grid{grid-template-columns:1fr 1fr}.options-shell,.cost-shell,.snapshot-shell,.before-grid,.tool-layout,.guide-shell{grid-template-columns:1fr}.update-grid{grid-template-columns:1fr 1fr}.handoff__grid{grid-template-columns:1fr}.handoff__side{display:none}}@media (max-width:40rem){.purpose-grid{scroll-snap-type:x mandatory;margin-inline:calc(var(--gutter) / -2);padding:0 calc(var(--gutter) / 2) 10px;scrollbar-width:none;gap:12px;display:flex;overflow-x:auto}.purpose-grid>*{scroll-snap-align:start;flex:0 0 84%}.type-grid,.cost-factors,.snapshot-cards,.guide-shell__list,.update-grid,.field-grid,.handoff__summary{grid-template-columns:1fr}.plan-card{border-radius:19px;padding:18px}.plan-card__summary{grid-template-columns:1fr}.term-buttons{grid-template-columns:repeat(3,1fr)}.form-actions{flex-direction:column;align-items:stretch}.options-form{padding:18px}.guide-shell{border-radius:19px;padding:20px}}.plan-card__visual{border-top:1px solid #ffffff1a;gap:10px;margin-top:14px;padding-top:12px;display:grid}.plan-card__visual-caption{color:#a8c8e7;margin:0;font-size:.58rem}.live-brief{color:#fff;background:linear-gradient(90deg, var(--color-navy-3) 0%, var(--color-navy) 52%, #123a67 100%);border-bottom:1px solid #ffffff14}.live-brief__inner{grid-template-columns:auto minmax(0,1fr) auto;align-items:center;gap:18px;min-height:54px;display:grid}.live-brief__brand{white-space:nowrap;border-right:1px solid #ffffff21;align-items:center;gap:8px;padding-right:18px;display:flex}.live-brief__dot{background:var(--color-red);border-radius:50%;width:8px;height:8px;box-shadow:0 0 0 4px #c8102e29}.live-brief__brand strong{letter-spacing:.1em;text-transform:uppercase;font-size:.7rem}.live-brief__brand span:last-child{color:#8fa8bf;font-size:.62rem;font-weight:700}.live-brief__viewport{min-width:0;padding:5px 0 9px;position:relative;overflow:hidden}.live-brief__item{align-items:center;min-width:0;display:flex}.live-brief__slide{align-items:center;gap:10px;min-width:0;display:flex}html.has-motion .live-brief__slide{animation:ticker-in var(--dur-base) var(--ease-out-expo);transition:opacity .18s,transform .18s}html.has-motion .live-brief__slide[data-phase=out]{opacity:0;transform:translateY(-4px)}.live-brief__category{color:#cfe0f1;letter-spacing:.06em;text-transform:uppercase;background:#ffffff14;border:1px solid #ffffff1a;border-radius:999px;flex:none;padding:4px 8px;font-size:.6rem;font-weight:700}.live-brief__time{color:#829ab3;flex:none;font-size:.62rem;font-weight:700}.live-brief__headline{text-overflow:ellipsis;white-space:nowrap;color:#fff;min-width:0;font-size:.76rem;font-weight:700;overflow:hidden}.live-brief__headline:hover{text-underline-offset:3px;text-decoration:underline}.live-brief__progress{background:#ffffff12;border-radius:999px;height:2px;position:absolute;bottom:1px;left:0;right:0;overflow:hidden}.live-brief__progress span{background:linear-gradient(90deg, var(--color-red), #e45d73);transform-origin:0;width:100%;height:100%;display:block;transform:scaleX(0)}.live-brief__progress span.is-running{animation:7s linear forwards liveProgress}@keyframes liveProgress{0%{transform:scaleX(0)}to{transform:scaleX(1)}}.live-brief__controls{align-items:center;gap:6px;display:flex}.live-brief__button{color:#d6e3ef;cursor:pointer;background:#ffffff0f;border:1px solid #ffffff1f;border-radius:9px;place-items:center;width:30px;height:30px;display:grid}.live-brief__button:hover{background:#ffffff1c}.live-brief__all{color:#bfd0e1;white-space:nowrap;margin-left:5px;font-size:.64rem;font-weight:650}.hero--home h1{letter-spacing:-.03em;font-size:clamp(3.35rem,6.7vw,6rem);line-height:.95}.hero--home .hero__inner{padding:34px 0 48px}.eyebrow--spark{gap:9px}.eyebrow__spark{background:#e9f3fb;border-radius:9px;place-items:center;width:28px;height:28px;display:grid}.smart-search{max-width:620px;position:relative}.search-shell{border:1px solid var(--color-line);box-shadow:var(--shadow-sm);background:#fff;border-radius:15px;align-items:center;gap:8px;padding:7px;display:flex}.search-shell.is-active{border-color:#b8cee2;box-shadow:0 10px 28px #0d2a4f1a}.search-shell__icon{width:38px;height:38px;color:var(--color-blue);background:#eef5fb;border-radius:10px;flex:none;place-items:center;display:grid}.search-shell input{min-width:0;color:var(--color-ink);background:0 0;border:0;outline:0;flex:1;padding:11px 4px;font-size:.95rem}.search-shell button{background:var(--color-navy);color:#fff;cursor:pointer;border:0;border-radius:10px;padding:12px 20px;font-size:.82rem;font-weight:700;box-shadow:0 6px 14px #0d2a4f2e}.search-shell button:hover{background:var(--color-navy-2)}.quick-links{color:#7b8da0;flex-wrap:wrap;align-items:center;gap:8px;margin-top:13px;font-size:.71rem;display:flex}.quick-links__query{color:#45617e;cursor:pointer;background:#ffffffb8;border:1px solid #dce8f2;border-radius:999px;align-items:center;padding:5px 9px;font-size:.71rem;font-weight:600;display:inline-flex}.quick-links__query:hover{color:var(--color-blue);border-color:#b9cfe3}.smart-search-panel{border:1px solid var(--color-line);background:#fff;border-radius:18px;margin-top:12px;overflow:hidden;box-shadow:0 22px 56px #0d2a4f24}.smart-search-panel[hidden]{display:none}.smart-search-panel.is-open{animation:.18s ease-out searchReveal}@keyframes searchReveal{0%{opacity:0;transform:translateY(-5px)scale(.99)}to{opacity:1;transform:none}}.smart-loading{align-items:center;gap:14px;padding:20px;display:flex}.smart-loading__icon{width:44px;height:44px;color:var(--color-blue);background:#eef5fb;border-radius:13px;flex:none;place-items:center;display:grid}.smart-loading strong{color:var(--color-navy);font-size:.82rem;display:block}.smart-loading span{color:var(--color-muted);margin-top:2px;font-size:.72rem;display:block}.smart-error,.smart-warning{margin:14px}.smart-result__top{background:#fbfdff;border-bottom:1px solid #edf2f7;justify-content:space-between;align-items:center;gap:14px;padding:14px 17px;display:flex}.smart-match-label{color:var(--color-blue);letter-spacing:.07em;text-transform:uppercase;align-items:center;gap:7px;font-size:.67rem;font-weight:700;display:inline-flex}.smart-match-label .dot{background:var(--color-blue);border-radius:50%;width:7px;height:7px;box-shadow:0 0 0 4px #2f6fb71a}.smart-query{color:#71849a;white-space:nowrap;text-overflow:ellipsis;min-width:0;max-width:55%;font-size:.66rem;overflow:hidden}.smart-close{color:#71849a;cursor:pointer;background:0 0;border:0;place-items:center;padding:4px;display:grid}.smart-best{padding:18px}.smart-best__main{grid-template-columns:48px 1fr;align-items:start;gap:13px;display:grid}.smart-best__icon{width:46px;height:46px;color:var(--color-navy);box-shadow:var(--shadow-sm);background:linear-gradient(145deg,#e9f3fb,#fff);border:1px solid #d8e6f2;border-radius:14px;place-items:center;display:grid}.smart-best h3{color:var(--color-navy);font-family:var(--font-serif);margin:0;font-size:1.24rem;font-weight:500;line-height:1.13}.smart-best p{color:var(--color-muted);margin:7px 0 0;font-size:.78rem;line-height:1.5}.smart-understood{flex-wrap:wrap;gap:6px;margin-top:11px;display:flex}.smart-tag{color:#526a82;background:#f1f6fa;border:1px solid #e0eaf2;border-radius:999px;align-items:center;gap:5px;padding:5px 8px;font-size:.64rem;font-weight:600;display:inline-flex}.smart-tag svg{color:var(--color-blue)}.smart-actions{flex-wrap:wrap;gap:8px;margin-top:15px;display:flex}.smart-related{grid-template-columns:1fr 1fr;gap:8px;padding:0 18px 17px;display:grid}.smart-related a{color:#47617b;background:#fbfdff;border:1px solid #e4edf4;border-radius:11px;grid-template-columns:30px 1fr;align-items:center;gap:9px;padding:10px;display:grid}.smart-related__icon{width:29px;height:29px;color:var(--color-blue);background:#eef5fb;border-radius:9px;place-items:center;display:grid}.smart-related strong{color:var(--color-navy);font-size:.7rem;display:block}.smart-related span>span{color:#7b8da0;margin-top:1px;font-size:.6rem;display:block}.smart-search__footer{background:#f7fafc;border-top:1px solid #e7eef4;justify-content:space-between;align-items:center;gap:12px;padding:11px 17px;display:flex}.smart-search__footer span{color:#8192a4;font-size:.62rem}.smart-all-results{color:var(--color-blue);white-space:nowrap;align-items:center;gap:5px;font-size:.68rem;font-weight:700;display:inline-flex}.market-card{color:#fff;background:linear-gradient(145deg, var(--color-navy-2) 0%, var(--color-navy) 58%, var(--color-navy-3) 100%);border:1px solid #ffffff14;border-radius:24px;padding:25px;position:relative;overflow:hidden;box-shadow:0 24px 56px #0d2a4f38}.market-card:before{content:"";background:radial-gradient(circle,#ffffff21,#fff0 68%);border-radius:50%;width:190px;height:190px;position:absolute;top:-68px;right:-55px}.market-card__head,.market-card__rates,.market-card__footer{z-index:1;position:relative}.market-card__head{justify-content:space-between;align-items:flex-start;gap:16px;margin-bottom:16px;display:flex}.market-card__title{align-items:center;gap:12px;display:flex}.market-card__mark{color:#cfe2f4;background:#ffffff17;border:1px solid #ffffff1a;border-radius:13px;place-items:center;width:44px;height:44px;display:grid}.market-card h2{font-family:var(--font-serif);margin:0;font-size:1.48rem;font-weight:500;line-height:1.05}.market-card__title p{color:#9fb5ca;margin:5px 0 0;font-size:.68rem}.live-pill{color:#c5d6e7;white-space:nowrap;background:#ffffff12;border:1px solid #ffffff17;border-radius:999px;align-items:center;gap:7px;padding:6px 9px;font-size:.63rem;font-weight:650;display:inline-flex}.live-pill__dot{background:#64d4a8;border-radius:50%;width:7px;height:7px;box-shadow:0 0 0 4px #64d4a81c}.market-card__rates{gap:9px;display:grid}.market-card__footer{border-top:1px solid #ffffff1a;justify-content:space-between;align-items:center;gap:14px;margin-top:13px;padding-top:13px;display:flex}.market-card__footer span{color:#88a2ba;font-size:.63rem}.market-card__footer a{color:#fff;white-space:nowrap;align-items:center;gap:5px;font-size:.72rem;font-weight:700;display:inline-flex}.goal-grid{grid-template-columns:repeat(5,minmax(0,1fr));gap:14px;display:grid}.goal-card{--accent:var(--color-blue);--tint:#edf5fc;border:1px solid var(--color-line);border-radius:var(--radius-card);background:#fff;flex-direction:column;min-height:278px;transition:transform .2s,box-shadow .2s;display:flex;position:relative;overflow:hidden;box-shadow:0 5px 18px #0d2a4f0a}.goal-card:hover{box-shadow:var(--shadow-card);transform:translateY(-3px)}.goal-card[data-accent=loans]{--accent:#285f94;--tint:#eaf3fb}.goal-card[data-accent=cards]{--accent:var(--color-red);--tint:#faedf0}.goal-card[data-accent=credit]{--accent:var(--color-purple);--tint:#f0effb}.goal-card[data-accent=debt]{--accent:var(--color-amber);--tint:#fbf3e9}.goal-card[data-accent=savings]{--accent:var(--color-green);--tint:#edf7f4}.goal-card__visual{background:linear-gradient(135deg, var(--tint), #fff);border-bottom:1px solid #dbe6f0cc;align-items:center;height:86px;padding:0 19px;display:flex;position:relative}.goal-card__visual:after{content:"";border:22px solid var(--accent);width:115px;height:115px;position:absolute}@supports (color:color-mix(in lab, red, red)){.goal-card__visual:after{border:22px solid color-mix(in srgb, var(--accent) 10%, transparent)}}.goal-card__visual:after{border-radius:50%;top:-45px;right:-35px}.goal-card__icon{z-index:1;width:50px;height:50px;color:var(--accent);border:1px solid var(--accent);background:#fff;border-radius:15px;place-items:center;display:grid;position:relative}@supports (color:color-mix(in lab, red, red)){.goal-card__icon{border:1px solid color-mix(in srgb, var(--accent) 20%, #fff)}}.goal-card__icon{box-shadow:0 8px 20px var(--accent)}@supports (color:color-mix(in lab, red, red)){.goal-card__icon{box-shadow:0 8px 20px color-mix(in srgb, var(--accent) 12%, transparent)}}.goal-card__watermark{color:var(--accent);opacity:.07;position:absolute;bottom:-15px;right:13px}.goal-card__body{flex-direction:column;flex:1;padding:18px;display:flex}.goal-card__body h3{color:var(--color-navy);font-family:var(--font-serif);margin:0 0 6px;font-size:1.08rem;font-weight:500}.goal-card__body>p{color:var(--color-muted);margin:0;font-size:.78rem;line-height:1.45}.guide-chip{background:var(--tint);color:#4e657d;border-radius:11px;align-items:center;gap:8px;margin-top:15px;padding:9px 10px;font-size:.7rem;font-weight:600;line-height:1.25;display:flex}.guide-chip__icon{width:25px;height:25px;color:var(--accent);border:1px solid var(--accent);background:#fff;border-radius:8px;flex:none;place-items:center;display:grid}@supports (color:color-mix(in lab, red, red)){.guide-chip__icon{border:1px solid color-mix(in srgb, var(--accent) 13%, #fff)}}.goal-card__link{color:var(--accent);align-items:center;gap:6px;margin-top:auto;padding-top:14px;font-size:.74rem;font-weight:700;display:inline-flex}.featured-guides{background:#fff;padding:42px 0 54px}.trust-wrap{padding:28px 0 4px}.trust-panel{border:1px solid var(--color-line);background:linear-gradient(135deg,#edf6fc 0%,#f8fbfd 100%);border-radius:22px;grid-template-columns:1.08fr 1.92fr;align-items:center;gap:32px;padding:28px;display:grid;position:relative;overflow:hidden}.trust-panel__intro{grid-template-columns:58px 1fr;gap:14px;display:grid}.trust-panel__icon{width:56px;height:56px;box-shadow:var(--shadow-sm);color:var(--color-blue);background:#fff;border:1px solid #d8e6f1;border-radius:16px;place-items:center;display:grid}.trust-panel__intro h3{color:var(--color-navy);font-family:var(--font-serif);margin:0;font-size:1.42rem;font-weight:500;line-height:1.12}.trust-panel__intro p{color:var(--color-muted);margin:7px 0 0;font-size:.8rem}.trust-panel__points{grid-template-columns:repeat(3,1fr);gap:12px;display:grid}.trust-point{background:#fff;border:1px solid #dde8f1;border-radius:14px;padding:15px}.trust-point__head{align-items:center;gap:9px;margin-bottom:7px;display:flex}.trust-point__icon{width:31px;height:31px;color:var(--color-blue);background:#eef5fb;border-radius:9px;place-items:center;display:grid}.trust-point strong{color:var(--color-navy);font-size:.78rem}.trust-point p{color:var(--color-muted);margin:0;font-size:.72rem;line-height:1.45}.search-hero{border-bottom:1px solid var(--color-line);background:linear-gradient(#fbfdff 0%,#f3f8fc 100%);padding:34px 0 36px}.search-hero h1{color:var(--color-navy);font-family:var(--font-serif);letter-spacing:-.02em;margin:0 0 18px;font-size:clamp(2.2rem,4.4vw,3.4rem);font-weight:450;line-height:1.03}.search-form .search-shell{max-width:720px}.search-layout{grid-template-columns:minmax(0,1.5fr) minmax(260px,.6fr);align-items:start;gap:28px;display:grid}.search-best{border:1px solid var(--color-line);border-radius:var(--radius-lg);box-shadow:var(--shadow-sm);background:#fff;padding:22px}.search-best h2{color:var(--color-navy);font-family:var(--font-serif);margin:10px 0 6px;font-size:1.6rem;font-weight:500;line-height:1.12}.search-best>p{color:var(--color-muted);margin:0;font-size:.9rem;line-height:1.55}.search-notice{color:var(--color-muted)!important;margin:14px 0 0!important;font-size:.7rem!important}.search-empty{color:var(--color-muted);font-size:.95rem}.search-side{gap:12px;display:grid}.search-side__card{border-radius:var(--radius-md);border:1px solid var(--color-line);background:#f7fafc;padding:16px 18px}.search-side__card h2{color:var(--color-navy);margin:0 0 8px;font-size:.95rem}.search-side__card ul{gap:8px;margin:0;padding:0;list-style:none;display:grid}.search-side__card a{color:var(--color-blue);font-size:.84rem;font-weight:650}.search-side__card li span{color:var(--color-muted);font-size:.72rem;display:block}@media (max-width:67.5rem){.live-brief__inner{gap:12px}.live-brief__brand{padding-right:12px}.live-brief__brand span:last-child,.live-brief__all{display:none}.goal-grid{grid-template-columns:repeat(3,1fr)}.trust-panel,.search-layout{grid-template-columns:1fr}}@media (max-width:48rem){.goal-grid{grid-template-columns:repeat(2,1fr)}}@media (max-width:40rem){.live-brief__inner{gap:9px;min-height:50px}.live-brief__category,.live-brief__prev{display:none}.live-brief__headline{font-size:.67rem}.hero--home h1{font-size:3.05rem}.hero--home .hero__inner{padding:19px 0 29px}.search-shell{padding:5px}.search-shell button{padding:11px 14px;font-size:.75rem}.market-card{border-radius:19px;padding:18px}.goal-grid{scroll-snap-type:x mandatory;margin-inline:calc(var(--gutter) / -2);padding:0 calc(var(--gutter) / 2) 10px;scrollbar-width:none;gap:12px;display:flex;overflow-x:auto}.goal-card{scroll-snap-align:start;flex:0 0 82%;min-height:264px}.smart-actions{grid-template-columns:1fr;display:grid}.smart-related{grid-template-columns:1fr}.smart-query{display:none}.trust-panel{padding:19px}.trust-panel__points{grid-template-columns:1fr}.featured-guides{padding:34px 0 45px}}.factor-card{border:1px solid var(--color-line);border-radius:var(--radius-xl);box-shadow:var(--shadow-card);background:#fff;padding:22px}.factor-card h2{color:var(--color-navy);font-family:var(--font-serif);margin:0 0 12px;font-size:1.3rem;font-weight:500}.factor-tabs{grid-template-columns:1fr 1fr;gap:6px;margin-bottom:12px;display:grid}.factor-tab{color:#45617e;text-align:left;cursor:pointer;background:#fff;border:1px solid #dce8f1;border-radius:10px;align-items:center;gap:8px;min-height:40px;padding:0 10px;font-size:.74rem;font-weight:650;display:flex}.factor-tab__dot{background:#cbdbe9;border-radius:50%;flex:none;width:8px;height:8px}.factor-tab.is-active{color:var(--color-navy);background:#f0effb;border-color:#cfcff2}.factor-tab.is-active .factor-tab__dot{background:var(--color-purple)}.factor-detail{background:#f7f7fd;border:1px solid #e3e3f5;border-radius:13px;min-height:110px;padding:14px 16px}.factor-detail strong{color:var(--color-navy);margin-bottom:4px;font-size:.9rem;display:block}.factor-detail p{color:#3f5670;margin:0;font-size:.82rem;line-height:1.55}.factor-card__note{color:var(--color-muted);margin:10px 0 0;font-size:.68rem}.goal-grid--six{grid-template-columns:repeat(3,minmax(0,1fr))}.goal-grid--six .goal-card{min-height:240px}.plan-shell{grid-template-columns:.8fr 1.2fr;align-items:start;gap:28px;display:grid}.plan-copy h3{color:var(--color-navy);font-family:var(--font-serif);margin:0 0 8px;font-size:1.5rem;font-weight:500;line-height:1.12}.plan-copy p{color:var(--color-muted);margin:0;font-size:.9rem;line-height:1.6}.planner{gap:14px;display:grid}.planner__options{flex-wrap:wrap;gap:6px;display:flex}.planner__option{color:#45617e;cursor:pointer;background:#fff;border:1px solid #dce8f1;border-radius:999px;min-height:38px;padding:0 13px;font-size:.74rem;font-weight:650}.planner__option.is-active{background:var(--color-navy);border-color:var(--color-navy);color:#fff}.planner__result{border:1px solid var(--color-line);border-radius:var(--radius-lg);box-shadow:var(--shadow-sm);background:#fff;padding:22px}.planner__kicker{color:var(--color-blue);letter-spacing:.08em;text-transform:uppercase;margin:0 0 4px;font-size:.68rem;font-weight:700}.planner__result h3{color:var(--color-navy);font-family:var(--font-serif);margin:0 0 6px;font-size:1.35rem;font-weight:500}.planner__result>p{color:var(--color-muted);margin:0 0 14px;font-size:.88rem;line-height:1.55}.planner__steps,.report-steps{gap:8px;margin:0 0 16px;padding:0;list-style:none;display:grid}.planner__steps li,.report-steps li{grid-template-columns:28px 1fr;align-items:start;gap:10px;display:grid}.planner__num{width:28px;height:28px;color:var(--color-blue);background:#eaf3fb;border-radius:9px;place-items:center;font-size:.76rem;font-weight:700;display:grid}.planner__steps strong,.report-steps strong{color:var(--color-navy);font-size:.82rem;display:block}.planner__steps span>span,.report-steps span>span{color:var(--color-muted);font-size:.74rem;line-height:1.45;display:block}.planner__actions{flex-wrap:wrap;gap:8px;display:flex}.util-shell,.report-shell{grid-template-columns:.8fr 1.2fr;align-items:start;gap:28px;display:grid}.util-copy p{color:var(--color-muted);margin:0 0 12px;font-size:.9rem;line-height:1.6}.report-card,.official-box{border:1px solid var(--color-line);border-radius:var(--radius-lg);background:#fff;padding:22px}.report-card h3,.official-box h3{color:var(--color-navy);font-family:var(--font-serif);margin:0 0 8px;font-size:1.3rem;font-weight:500}.report-card>p,.official-box p{color:var(--color-muted);margin:0 0 14px;font-size:.88rem;line-height:1.55}.official-box{background:linear-gradient(135deg,#edf6fc 0%,#f8fbfd 100%)}.option-grid{grid-template-columns:repeat(4,minmax(0,1fr));gap:14px;display:grid}.option-card{--accent:var(--color-blue);--tint:#edf5fc;border:1px solid var(--color-line);border-radius:var(--radius-card);background:#fff;flex-direction:column;gap:8px;padding:18px;display:flex}.option-card__icon{background:var(--tint);width:44px;height:44px;color:var(--accent);border-radius:13px;place-items:center;display:grid}.option-card h3{color:var(--color-navy);margin:4px 0 0;font-size:1rem}.option-card p{color:var(--color-muted);flex:1;margin:0;font-size:.78rem;line-height:1.5}.option-card a{color:var(--accent);align-items:center;gap:5px;font-size:.72rem;font-weight:700;display:inline-flex}.future-band{border-radius:var(--radius-md);border:1px solid var(--color-line);background:#f5f9fc;margin-top:16px;padding:18px 22px}.future-band h3{color:var(--color-navy);margin:0 0 4px;font-size:1rem}.future-band p{color:var(--color-muted);margin:0;font-size:.84rem;line-height:1.55}.tool-grid--four{grid-template-columns:repeat(2,minmax(0,1fr))}.protect-grid{grid-template-columns:1fr 1fr;gap:14px;display:grid}.protect-card{border:1px solid var(--color-line);border-radius:var(--radius-lg);border-top:4px solid var(--color-green);background:#fff;padding:22px}.protect-card--paid{border-top-color:var(--color-amber)}.protect-card h3{color:var(--color-navy);font-family:var(--font-serif);margin:0 0 6px;font-size:1.25rem;font-weight:500}.protect-card p{color:var(--color-muted);margin:0 0 12px;font-size:.86rem;line-height:1.55}.protect-card a{color:var(--color-blue);align-items:center;gap:5px;font-size:.78rem;font-weight:700;display:inline-flex}@media (max-width:67.5rem){.goal-grid--six,.option-grid{grid-template-columns:1fr 1fr}.plan-shell,.util-shell,.report-shell{grid-template-columns:1fr}}@media (max-width:40rem){.goal-grid--six{display:flex}.option-grid,.protect-grid,.tool-grid--four,.factor-tabs{grid-template-columns:1fr}}.factor-detail{grid-template-columns:96px 1fr;align-items:center;gap:14px;display:grid}.factor-ring{width:96px;height:96px;display:block}.factor-ring__seg{fill:none;stroke:#d9d9f0;stroke-width:9px;stroke-linecap:round;transition:stroke var(--dur-base) var(--ease-out-expo), stroke-width var(--dur-base) var(--ease-out-expo)}.factor-ring__seg.is-active{stroke:var(--color-purple);stroke-width:12px}.factor-ring__index{fill:var(--color-navy);font-family:var(--font-serif);font-size:22px;font-weight:500}.factor-ring__total{fill:var(--color-muted);font-family:var(--font-mono);letter-spacing:.08em;text-transform:uppercase;font-size:8px}@media (max-width:22.5rem){.factor-detail{grid-template-columns:1fr}}.card-stage{gap:16px;display:grid}.card-stack{height:190px;position:relative}.card-stack__item{border-radius:18px;height:150px;position:absolute;left:0;right:0;box-shadow:0 18px 40px #0d2a4f2e}.card-stack__item--back{opacity:.55;background:linear-gradient(135deg,#5e91ca,#2f6fb7);margin:0 36px;top:0}.card-stack__item--mid{opacity:.8;background:linear-gradient(135deg,#173f70,#0d2a4f);margin:0 18px;top:18px}.card-stack__item--front{background:linear-gradient(135deg,#102d52 0%,#0d2a4f 60%,#c8102e 160%);flex-direction:column;justify-content:space-between;padding:22px;display:flex;top:38px}.card-chip{background:linear-gradient(135deg,#e5c87a,#c9a24a);border-radius:6px;width:42px;height:30px;display:block}.card-stack__brand{color:#fff;font-family:var(--font-serif);letter-spacing:.02em;font-size:1rem;font-weight:500}.match-summary{border:1px solid var(--color-line);border-radius:var(--radius-lg);box-shadow:var(--shadow-sm);background:#fff;padding:18px 20px}.match-summary h2{color:var(--color-navy);font-family:var(--font-serif);margin:0 0 10px;font-size:1.15rem;font-weight:500}.match-steps{gap:8px;margin:0;padding:0;list-style:none;display:grid}.match-steps li{grid-template-columns:28px 1fr;gap:10px;display:grid}.match-steps strong{color:var(--color-navy);font-size:.8rem;display:block}.match-steps span>span{color:var(--color-muted);font-size:.72rem;line-height:1.45;display:block}.cards-legal-note{border:1px solid var(--color-line);color:#4a6179;background:#f5f9fc;border-radius:12px;align-items:flex-start;gap:10px;margin-top:16px;padding:12px 16px;font-size:.76rem;line-height:1.5;display:flex}.cards-legal-note svg{color:var(--color-blue);flex:none;margin-top:2px}.cards-legal-note a{color:var(--color-blue);font-weight:650}.match-band{padding-block:var(--section-y);background:linear-gradient(135deg, var(--color-navy-2) 0%, var(--color-navy) 63%, var(--color-navy-3) 100%);color:#fff}.match-module{grid-template-columns:1.1fr .9fr;align-items:center;gap:32px;display:grid}.match-copy h2{font-family:var(--font-serif);margin:0 0 10px;font-size:clamp(1.9rem,3vw,2.5rem);font-weight:450;line-height:1.08}.match-copy>p{color:#becfe0;margin:0 0 16px;font-size:.92rem;line-height:1.6}.button-primary--light,a.button-primary.button-primary--light{color:var(--color-navy);box-shadow:none;background:#fff}.button-primary--light:hover{background:#eaf3fb}.match-disclosure{color:#94abc2!important;margin:14px 0 0!important;font-size:.72rem!important}.match-preview{gap:8px;display:grid}.preview-option{color:#fff;background:#ffffff12;border:1px solid #ffffff1f;border-radius:12px;padding:13px 16px;font-size:.86rem;font-weight:650;display:block}.preview-option.is-selected{color:var(--color-navy);background:#fff}.anatomy-grid{grid-template-columns:1fr 1fr;align-items:start;gap:24px;display:grid}.card-anatomy{grid-template-columns:1fr 1fr;gap:10px;display:grid}.sample-card{color:#fff;background:linear-gradient(135deg,#2f6fb7,#153d6c);border-radius:18px;flex-direction:column;grid-column:1/-1;justify-content:space-between;height:150px;padding:20px;display:flex;box-shadow:0 14px 34px #0d2a4f33}.sample-card__name{letter-spacing:.04em;font-size:.8rem;font-weight:700}.callout{--accent:var(--color-blue);border:1px solid var(--color-line);border-left:4px solid var(--accent);background:#fff;border-radius:12px;padding:12px 14px}.callout--fee{--accent:var(--color-amber)}.callout--rewards{--accent:var(--color-green)}.callout--grace{--accent:var(--color-purple)}.callout strong{color:var(--color-navy);font-size:.8rem;display:block}.callout span{color:var(--color-muted);font-size:.72rem;line-height:1.45}.guide-stack{gap:10px;display:grid}.guide-stack__card,.mini-tool{border:1px solid var(--color-line);color:var(--color-navy);background:#fff;border-radius:14px;grid-template-columns:40px 1fr 16px;align-items:center;gap:12px;padding:14px 16px;transition:transform .18s,box-shadow .18s;display:grid}.guide-stack__card:hover,.mini-tool:hover{box-shadow:var(--shadow-card);transform:translateY(-2px)}.guide-stack__icon,.mini-tool__icon{width:40px;height:40px;color:var(--color-blue);background:#eaf3fb;border-radius:12px;place-items:center;display:grid}.guide-stack__card strong,.mini-tool strong{font-size:.86rem;display:block}.guide-stack__card span>span,.mini-tool span>span{color:var(--color-muted);font-size:.72rem;line-height:1.45;display:block}.mini-tools{gap:10px;display:grid}.data-panel{grid-template-columns:1fr 1fr;align-items:start;gap:20px;display:grid}.data-highlight,.chart-card{border:1px solid var(--color-line);border-radius:var(--radius-lg);background:#fff;padding:22px}.data-highlight h3{color:var(--color-navy);font-family:var(--font-serif);margin:16px 0 6px;font-size:1.25rem;font-weight:500}.data-highlight p{color:var(--color-muted);margin:0 0 10px;font-size:.86rem;line-height:1.55}.data-meta{font-size:.72rem!important}.apr-anatomy{flex-wrap:wrap;align-items:center;gap:10px;margin-bottom:16px;display:flex}.apr-anatomy>span:not(.apr-anatomy__op){color:var(--color-navy);background:#f1f6fa;border-radius:11px;padding:10px 14px;font-size:.82rem;font-weight:650}.apr-anatomy__op{color:var(--color-muted);font-weight:700}.apr-anatomy__result{background:var(--color-navy)!important;color:#fff!important}.apr-checks{gap:8px;margin:0;padding:0;list-style:none;display:grid}.apr-checks li{color:#3f5670;align-items:flex-start;gap:8px;font-size:.84rem;line-height:1.5;display:flex}.apr-checks svg{color:var(--color-green);flex:none;margin-top:4px}.transparency-panel{border:1px solid var(--color-line);background:linear-gradient(135deg,#edf6fc 0%,#f8fbfd 100%);border-radius:22px;grid-template-columns:.9fr 1.1fr;align-items:center;gap:24px;padding:26px;display:grid}.transparency-panel h3{color:var(--color-navy);font-family:var(--font-serif);margin:0 0 6px;font-size:1.4rem;font-weight:500}.transparency-panel p{color:var(--color-muted);margin:0;font-size:.86rem;line-height:1.55}.transparency-grid{grid-template-columns:1fr 1fr;gap:10px;display:grid}.transparency-item{background:#fff;border:1px solid #dde8f1;border-radius:12px;padding:12px 14px}.transparency-item strong{color:var(--color-navy);font-size:.8rem;display:block}.transparency-item span{color:var(--color-muted);font-size:.72rem;line-height:1.45}.transparency-links{grid-column:1/-1;font-size:.78rem!important}.transparency-links a{color:var(--color-blue);font-weight:650}@media (max-width:67.5rem){.match-module,.anatomy-grid,.data-panel,.transparency-panel{grid-template-columns:1fr}}@media (max-width:40rem){.card-anatomy,.transparency-grid{grid-template-columns:1fr}.card-stack{height:170px}}.tilt{perspective:900px}.sample-card__tilt{grid-column:1/-1}.sample-card__tilt .sample-card{grid-column:auto}.tilt .card-stack__item--front,.tilt .sample-card{transform:rotateX(var(--tilt-x,0deg)) rotateY(var(--tilt-y,0deg));transition:transform .42s var(--ease-out-expo);will-change:transform;position:relative;overflow:hidden}.tilt .card-stack__item--front:after,.tilt .sample-card:after{content:"";background:radial-gradient(circle at var(--sheen-x,50%) var(--sheen-y,50%), #ffffff38, #ffffff0d 28%, transparent 55%);opacity:0;transition:opacity var(--dur-base) ease;pointer-events:none;position:absolute;inset:-40%}.tilt.is-tilting .card-stack__item--front:after,.tilt.is-tilting .sample-card:after{opacity:1}.card-stack__item--front{background:linear-gradient(135deg,#ffffff14,#0000 45%),linear-gradient(135deg,#102d52 0%,#0d2a4f 60%,#c8102e 160%)}.card-stack__stripe{background:linear-gradient(90deg,#0000,#ffffff59,#0000);height:1px;position:absolute;top:62%;left:0;right:0}.card-stack__brand{font-weight:500}.debt-snapshot{border:1px solid var(--color-line);border-radius:var(--radius-xl);box-shadow:var(--shadow-card);background:#fff;gap:12px;padding:20px;display:grid}.debt-snapshot .plan-card__kicker{color:var(--color-amber);margin:0}.debt-snapshot h2{color:var(--color-navy);font-family:var(--font-serif);margin:0;font-size:1.3rem;font-weight:500}.debt-snapshot .calculator{box-shadow:none;border:0;padding:0}.debt-snapshot .calc-result{background:linear-gradient(145deg, #7a4f1b 0%, var(--color-amber) 100%)}.strategy-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;display:grid}.strategy-card{--accent:var(--color-blue);border:1px solid var(--color-line);border-radius:var(--radius-card);background:#fff;flex-direction:column;gap:8px;padding:20px;display:flex}.strategy-card--featured{--accent:var(--color-navy);box-shadow:var(--shadow-sm);border-color:#c9dae9}.strategy-card--counseling{--accent:var(--color-green)}.strategy-card--settlement{--accent:var(--color-amber)}.strategy-tag{background:var(--accent);border-radius:999px;align-self:flex-start;padding:4px 9px}@supports (color:color-mix(in lab, red, red)){.strategy-tag{background:color-mix(in srgb, var(--accent) 10%, #fff)}}.strategy-tag{color:var(--accent);letter-spacing:.06em;text-transform:uppercase;font-size:.62rem;font-weight:700}.strategy-card h3{color:var(--color-navy);font-family:var(--font-serif);margin:2px 0 0;font-size:1.15rem;font-weight:500}.strategy-card>p{color:var(--color-muted);margin:0;font-size:.8rem;line-height:1.5}.strategy-lines{flex:1;gap:5px;margin:4px 0 0;padding:0;list-style:none;display:grid}.strategy-lines li{color:#3f5670;align-items:flex-start;gap:6px;font-size:.74rem;line-height:1.45;display:flex}.strategy-lines svg{color:var(--accent);flex:none;margin-top:3px}.strategy-card>a{color:var(--accent);align-items:center;gap:5px;margin-top:8px;font-size:.74rem;font-weight:700;display:inline-flex}.consolidation-shell,.rights-shell{grid-template-columns:1.2fr .8fr;align-items:start;gap:28px;display:grid}.consolidation-copy h2{color:var(--color-navy);font-family:var(--font-serif);margin:0 0 10px;font-size:clamp(1.9rem,3vw,2.4rem);font-weight:450;line-height:1.08}.consolidation-copy>p{color:var(--color-muted);margin:0 0 16px;font-size:.92rem;line-height:1.6}.consolidation-copy h3{color:var(--color-navy);margin:0 0 10px;font-size:1.05rem}.consolidation-questions{gap:10px;margin:0 0 16px;padding:0;list-style:none;display:grid}.consolidation-questions li{grid-template-columns:28px 1fr;gap:10px;display:grid}.consolidation-questions strong{color:var(--color-navy);font-size:.86rem;display:block}.consolidation-questions span>span{color:var(--color-muted);font-size:.76rem;line-height:1.45;display:block}.consolidation-action{border:1px solid var(--color-line);border-radius:var(--radius-lg);box-shadow:var(--shadow-sm);background:#fff;padding:22px}.consolidation-action h3{color:var(--color-navy);font-family:var(--font-serif);margin:10px 0 6px;font-size:1.3rem;font-weight:500}.consolidation-action p{color:var(--color-muted);margin:0 0 14px;font-size:.86rem;line-height:1.55}.consolidation-action__note{margin:12px 0 0!important;font-size:.7rem!important}.rights-card,.official-card{border:1px solid var(--color-line);border-radius:var(--radius-lg);background:#fff;padding:22px}.rights-card h3,.official-card h3{color:var(--color-navy);font-family:var(--font-serif);margin:0 0 6px;font-size:1.25rem;font-weight:500}.rights-card>p,.official-card>p{color:var(--color-muted);margin:0 0 14px;font-size:.86rem;line-height:1.55}.official-card{background:linear-gradient(135deg,#edf6fc 0%,#f8fbfd 100%)}.official-links{gap:8px;margin:0;padding:0;list-style:none;display:grid}.official-links a{color:var(--color-blue);align-items:center;gap:6px;font-size:.84rem;font-weight:650;display:inline-flex}@media (max-width:67.5rem){.strategy-grid{grid-template-columns:1fr 1fr}.consolidation-shell,.rights-shell{grid-template-columns:1fr}}@media (max-width:40rem){.strategy-grid{grid-template-columns:1fr}}.growth-card{color:#fff;background:linear-gradient(145deg, #1f6f64 0%, var(--color-green) 55%, #2a5f52 100%);border:1px solid #ffffff14;border-radius:24px;gap:14px;padding:22px;display:grid;box-shadow:0 24px 56px #0d2a4f33}.growth-card .plan-card__kicker{color:#cfeee4;margin:0}.growth-card h2{font-family:var(--font-serif);margin:0;font-size:1.4rem;font-weight:500;line-height:1.1}.growth-card .range{background:linear-gradient(90deg, #d7f3ea 0 var(--fill,50%), #fff3 var(--fill,50%))}.growth-card .range::-webkit-slider-thumb{border-color:var(--color-green)}.growth-card__rows{gap:8px;margin:0;display:grid}.growth-card__rows div{background:#ffffff14;border:1px solid #ffffff1a;border-radius:12px;justify-content:space-between;align-items:baseline;gap:10px;padding:10px 12px;display:flex}.growth-card__rows dt{color:#d7f3ea;font-size:.72rem}.growth-card__rows dd{margin:0;font-size:1.05rem;font-weight:700}.growth-card__diff{background:#fff!important}.growth-card__diff dt{color:var(--color-green)!important}.growth-card__diff dd{color:var(--color-navy)}.growth-card__note{color:#cfeee4;margin:0;font-size:.66rem;line-height:1.5}.goal-grid--four{grid-template-columns:repeat(4,minmax(0,1fr))}.rate-board{grid-template-columns:repeat(4,minmax(0,1fr));gap:12px;display:grid}.rate-note{border-radius:var(--radius-md);border:1px solid var(--color-line);color:#3f5670;scroll-margin-top:calc(var(--header-h) + 18px);background:#fff;margin-top:16px;padding:16px 18px;font-size:.82rem;line-height:1.55}.rate-note p{margin:0 0 10px}.rate-sources{flex-wrap:wrap;gap:6px 14px;margin:0 0 8px;padding:0;font-size:.74rem;list-style:none;display:flex}.rate-sources a{color:var(--color-blue);font-weight:700}.rate-details summary{cursor:pointer;color:var(--color-navy);font-size:.78rem;font-weight:650}.rate-details dl{gap:6px;margin:10px 0 0;display:grid}.rate-details dt{color:var(--color-navy);font-size:.76rem;font-weight:650}.rate-details dd{color:var(--color-muted);margin:0;font-size:.72rem}.rate-details a{color:var(--color-blue);font-weight:700}.account-shell{grid-template-columns:260px minmax(0,1fr);align-items:start;gap:20px;display:grid}.account-tabs{gap:6px;display:grid}.account-tab{color:#45617e;text-align:left;cursor:pointer;background:#fff;border:1px solid #dce8f1;border-radius:11px;min-height:46px;padding:0 14px;font-size:.82rem;font-weight:650}.account-tab.is-active{background:var(--color-navy);border-color:var(--color-navy);color:#fff}.account-panel{border:1px solid var(--color-line);border-radius:var(--radius-lg);box-shadow:var(--shadow-sm);background:#fff;padding:22px}.account-panel__head{flex-wrap:wrap;justify-content:space-between;align-items:center;gap:10px;margin-bottom:8px;display:flex}.account-panel h3{color:var(--color-navy);font-family:var(--font-serif);margin:0;font-size:1.4rem;font-weight:500}.account-badge{color:#2f765f;letter-spacing:.05em;text-transform:uppercase;background:#edf7f4;border-radius:999px;padding:5px 10px;font-size:.66rem;font-weight:700}.account-panel>p{color:var(--color-muted);margin:0 0 14px;font-size:.9rem;line-height:1.6}.account-facts{grid-template-columns:repeat(4,1fr);gap:10px;margin:0 0 14px;display:grid}.account-facts div{background:#f5f9fc;border-radius:11px;padding:10px 12px}.account-facts dt{color:var(--color-muted);letter-spacing:.05em;text-transform:uppercase;font-size:.64rem;font-weight:650}.account-facts dd{color:var(--color-navy);margin:2px 0 0;font-size:.8rem;font-weight:600}.account-watch{background:#fbf3e9;border:1px solid #ead9c4;border-radius:11px;padding:12px 14px;color:#5f4a33!important;margin:0!important;font-size:.8rem!important}.account-watch strong{color:#7a4f1b}.planner-shell{grid-template-columns:.8fr 1.2fr;align-items:start;gap:28px;display:grid}.planner-copy h2{color:var(--color-navy);font-family:var(--font-serif);margin:0 0 10px;font-size:clamp(1.9rem,3vw,2.4rem);font-weight:450;line-height:1.08}.planner-copy p{color:var(--color-muted);margin:0;font-size:.9rem;line-height:1.6}.goal-planner{gap:12px;display:grid}.quick-goals{flex-wrap:wrap;gap:6px;display:flex}.quick-goal{color:#45617e;cursor:pointer;background:#fff;border:1px solid #dce8f1;border-radius:999px;min-height:36px;padding:0 12px;font-size:.72rem;font-weight:650}.quick-goal.is-active{background:var(--color-navy);border-color:var(--color-navy);color:#fff}.compare-grid,.insurance-grid{grid-template-columns:repeat(4,minmax(0,1fr));gap:14px;display:grid}.insurance-grid{grid-template-columns:repeat(3,minmax(0,1fr))}.compare-card,.insurance-card{border:1px solid var(--color-line);border-radius:var(--radius-card);background:#fff;flex-direction:column;gap:8px;padding:18px;display:flex}.compare-card__icon{width:42px;height:42px;color:var(--color-green);background:#edf7f4;border-radius:13px;place-items:center;display:grid}.compare-card h3,.insurance-card h3{color:var(--color-navy);margin:4px 0 0;font-size:1rem}.compare-card p,.insurance-card p{color:var(--color-muted);flex:1;margin:0;font-size:.78rem;line-height:1.5}.insurance-card a{color:var(--color-blue);align-items:center;gap:5px;font-size:.74rem;font-weight:700;display:inline-flex}.insurance-shell{grid-template-columns:.7fr 1.3fr;align-items:start;gap:28px;display:grid}.insurance-copy h2{color:var(--color-navy);font-family:var(--font-serif);margin:0 0 10px;font-size:clamp(1.8rem,3vw,2.3rem);font-weight:450;line-height:1.08}.insurance-copy p{color:var(--color-muted);margin:0;font-size:.9rem;line-height:1.6}@media (max-width:67.5rem){.goal-grid--four,.rate-board,.compare-grid{grid-template-columns:1fr 1fr}.account-shell,.planner-shell,.insurance-shell{grid-template-columns:1fr}.account-tabs{grid-template-columns:1fr 1fr}.insurance-grid{grid-template-columns:1fr}}@media (max-width:40rem){.goal-grid--four{display:flex}.rate-board,.compare-grid,.account-tabs,.account-facts{grid-template-columns:1fr}.growth-card{border-radius:19px;padding:18px}}.growth-card__visual{gap:8px;display:grid}.growth-card__visual .plan-card__visual-caption{color:#cfeee4}.growth-card__legend{color:#ffffffc7;flex-wrap:wrap;gap:6px 14px;margin:0;font-size:.56rem;display:flex}.growth-card__legend>span{align-items:center;gap:6px;display:inline-flex}.finder-card{border:1px solid var(--color-line);border-radius:var(--radius-xl);box-shadow:var(--shadow-card);background:#fff;gap:12px;padding:22px;display:grid}.finder-card h2{color:var(--color-navy);font-family:var(--font-serif);margin:0;font-size:1.3rem;font-weight:500}.finder-card>p{color:var(--color-muted);margin:0;font-size:.84rem}.finder-form{gap:8px;display:flex}.finder-form input{background:#fbfdff;border:1px solid #cfdce8;border-radius:11px;flex:1;min-width:0;min-height:46px;padding:0 14px;font-size:.95rem}.finder-prompts{flex-wrap:wrap;gap:6px;display:flex}.prompt{color:#45617e;cursor:pointer;background:#fff;border:1px solid #dce8f1;border-radius:999px;min-height:32px;padding:0 11px;font-size:.7rem;font-weight:650}.prompt:hover{color:var(--color-blue);border-color:#b9cfe3}.finder-loading{color:var(--color-muted);align-items:center;gap:10px;font-size:.8rem;display:flex}.spinner{border:3px solid #dce8f1;border-top-color:var(--color-blue);border-radius:50%;width:18px;height:18px;animation:.8s linear infinite spin}@keyframes spin{to{transform:rotate(360deg)}}.finder-error{color:var(--color-muted);margin:0;font-size:.8rem}.finder-result{background:linear-gradient(135deg,#edf6fc 0%,#f8fbfd 100%);border:1px solid #d8e6f2;border-radius:14px;gap:6px;padding:14px 16px;display:grid}.finder-category{color:var(--color-blue);letter-spacing:.08em;text-transform:uppercase;font-size:.64rem;font-weight:700}.finder-result h3{color:var(--color-navy);font-family:var(--font-serif);margin:0;font-size:1.15rem;font-weight:500}.finder-result p{color:var(--color-muted);margin:0;font-size:.8rem;line-height:1.5}.finder-link{color:var(--color-blue);align-items:center;gap:6px;font-size:.8rem;font-weight:700;display:inline-flex}.finder-tool{color:#45617e;text-underline-offset:3px;font-size:.72rem;font-weight:700;text-decoration:underline}.topic-rail{grid-template-columns:repeat(5,minmax(0,1fr));gap:12px;display:grid}.featured-main{border:1px solid var(--color-line);border-radius:var(--radius-xl);box-shadow:var(--shadow-sm);background:#fff;grid-template-columns:1.2fr .8fr;align-items:center;gap:28px;padding:28px;display:grid}.featured-main h3{color:var(--color-navy);font-family:var(--font-serif);margin:8px 0;font-size:clamp(1.6rem,3vw,2.2rem);font-weight:450;line-height:1.1}.featured-main>div>p:not(.article-tag):not(.article-meta){color:var(--color-muted);margin:0 0 10px;font-size:.92rem;line-height:1.6}.featured-main .article-meta{margin-bottom:16px}.path-tabs{flex-wrap:wrap;gap:6px;margin-bottom:14px;display:flex}.path-tab{color:#45617e;cursor:pointer;background:#fff;border:1px solid #dce8f1;border-radius:999px;min-height:38px;padding:0 14px;font-size:.76rem;font-weight:650}.path-tab.is-active{background:var(--color-navy);border-color:var(--color-navy);color:#fff}.path-panel{border:1px solid var(--color-line);border-radius:var(--radius-lg);background:#fff;padding:22px}.path-panel h3{color:var(--color-navy);font-family:var(--font-serif);margin:0 0 6px;font-size:1.35rem;font-weight:500}.path-panel>p{color:var(--color-muted);margin:0 0 14px;font-size:.88rem}.path-steps{grid-template-columns:repeat(3,1fr);gap:12px;margin:0;padding:0;list-style:none;display:grid}.path-steps li{background:#f5f9fc;border-radius:13px;grid-template-columns:28px 1fr;gap:10px;padding:14px;display:grid}.path-steps strong{color:var(--color-navy);font-size:.84rem;display:block}.path-steps span>span{color:var(--color-muted);margin:2px 0 6px;font-size:.74rem;line-height:1.45;display:block}.path-steps a{color:var(--color-blue);align-items:center;gap:4px;font-size:.72rem;font-weight:700;display:inline-flex}.library__note{color:var(--color-muted);margin:16px 0 0;font-size:.82rem}.library__note a{color:var(--color-blue);font-weight:650}.tools-panel{border:1px solid var(--color-line);border-radius:var(--radius-xl);background:#fff;grid-template-columns:1fr 1fr;align-items:center;gap:24px;padding:26px;display:grid}.tools-panel h2{color:var(--color-navy);font-family:var(--font-serif);margin:0 0 8px;font-size:1.6rem;font-weight:500;line-height:1.12}.tools-panel p{color:var(--color-muted);margin:0;font-size:.88rem}.tools-panel__links{gap:8px;display:grid}.tools-panel__links a{color:var(--color-navy);background:#f5f9fc;border-radius:11px;justify-content:space-between;align-items:center;padding:11px 14px;font-size:.82rem;font-weight:650;display:flex}@media (max-width:67.5rem){.topic-rail{grid-template-columns:repeat(3,1fr)}.featured-main,.tools-panel,.path-steps{grid-template-columns:1fr}}@media (max-width:40rem){.topic-rail{scroll-snap-type:x mandatory;margin-inline:calc(var(--gutter) / -2);padding:0 calc(var(--gutter) / 2) 10px;scrollbar-width:none;gap:12px;display:flex;overflow-x:auto}.topic-rail>*{scroll-snap-align:start;flex:0 0 84%}.finder-form{flex-direction:column}}.loans-legal .legal-copy{min-width:0}.loans-legal .effective{color:var(--color-navy);background:#eaf4fa;border-radius:999px;margin-bottom:24px;padding:7px 11px;font-size:.75rem;font-weight:650;display:inline-block}.loans-legal .print-note{display:none}.loans-legal section{scroll-margin-top:calc(var(--header-h) + 18px)}.loans-legal h2{color:var(--color-navy);font-family:var(--font-serif);letter-spacing:-.015em;margin:34px 0 10px;font-size:1.55rem;font-weight:500}.loans-legal h3{color:var(--color-navy);margin:25px 0 8px;font-size:1.1rem}.loans-legal p{color:#445669;margin:0 0 1em;line-height:1.65}.loans-legal ul{margin:1em 0;padding-left:22px}.loans-legal li{color:#445669;margin:7px 0;line-height:1.6}.loans-legal a{color:var(--color-blue);text-underline-offset:3px;text-decoration:underline}.loans-legal .callout{border-left:4px solid var(--color-green);color:#445669;background:#eef7f4;border-radius:0 12px 12px 0;margin:20px 0;padding:16px 18px;line-height:1.6}.loans-legal .warning{color:#445669;background:#fff8e8;border:1px solid #e7c86a;border-radius:12px;margin:20px 0;padding:16px 18px;line-height:1.6}.loans-legal .callout strong,.loans-legal .warning strong{color:var(--color-navy)}.loans-legal .table-wrap{margin:20px 0;overflow-x:auto}.loans-legal table{border-collapse:collapse;width:100%;font-size:.92rem}.loans-legal th,.loans-legal td{text-align:left;vertical-align:top;border:1px solid var(--color-line);padding:12px 13px}.loans-legal th{color:var(--color-navy);background:#f4f8fb}.loans-legal td{color:#445669}.loans-legal .contact-block{border:1px solid var(--color-line);color:#445669;background:#f4f8fb;border-radius:12px;margin-top:26px;padding:18px;line-height:1.7}.loans-legal .contact-block strong{color:var(--color-navy)}.gpc-status{border:1px solid var(--color-line);color:#445669;background:#f4f8fb;border-radius:10px;margin-bottom:1em;padding:12px 14px;font-size:.92rem}.privacy-choices{grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin:20px 0;display:grid}.privacy-choice{border:1px solid var(--color-line);background:#fff;border-radius:12px;padding:17px}.privacy-choice h3{margin:0 0 6px;font-size:1.05rem}.privacy-choice p{font-size:.88rem}.choice-button{color:var(--color-navy);font:inherit;cursor:pointer;background:#fff;border:1px solid #cfdbe4;border-radius:9px;padding:10px 15px;font-weight:650;text-decoration:none;display:inline-block}.choice-button:hover{border-color:var(--color-blue);color:var(--color-blue)}a.choice-button--primary,button.choice-button--primary,.choice-button.choice-button--primary{background:var(--color-navy);border-color:var(--color-navy);color:#fff}a.choice-button--primary:hover,button.choice-button--primary:hover,.choice-button.choice-button--primary:hover{background:var(--color-navy-2);border-color:var(--color-navy-2);color:#fff}.choice-button:disabled{opacity:.6;cursor:default}.status-line{color:#445669;min-height:1.5em;margin:12px 0 1em}.status-line--applied{color:var(--color-green);font-weight:700}.status-line--error{color:#a61b26;font-weight:700}.privacy-request-form{gap:14px;margin:18px 0;display:grid}.form-label,.form-check-row{color:var(--color-navy);font-size:.88rem;font-weight:700;display:block}.form-check-row{align-items:flex-start;gap:9px;display:flex}.form-control{box-sizing:border-box;width:100%;font:inherit;color:var(--color-ink);background:#fff;border:1px solid #c8d4da;border-radius:8px;margin-top:5px;padding:11px 12px;font-weight:400;display:block}.form-textarea{resize:vertical;min-height:110px}.form-small{color:var(--color-muted);font-size:.82rem;line-height:1.5;display:block}.form-trap{width:1px;height:1px;position:absolute;left:-9999px;overflow:hidden}.form-result{border:1px solid var(--color-line);color:#445669;background:#f4f8fb;border-radius:10px;margin:18px 0;padding:14px 16px;line-height:1.6}.loans-legal-center{padding:42px 0 70px}.review-banner{color:#36546c;background:#eaf4fa;border:1px solid #cfe2ee;border-radius:14px;margin:0 0 22px;padding:16px 18px;font-size:.88rem;line-height:1.6}.review-banner strong{color:var(--color-navy)}.legal-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;display:grid}.legal-card{color:inherit;border:1px solid var(--color-line);background:#fff;border-radius:15px;padding:21px;text-decoration:none;transition:transform .15s,box-shadow .15s;display:block}.legal-card:hover{box-shadow:var(--shadow-card);transform:translateY(-2px)}.legal-card small{color:var(--color-red);text-transform:uppercase;letter-spacing:.07em;font-size:.66rem;font-weight:800}.legal-card h2{color:var(--color-navy);font-size:1.25rem;font-family:var(--font-serif);margin:7px 0;font-weight:500}.legal-card p{color:var(--color-muted);margin:0;font-size:.86rem;line-height:1.5}@media (max-width:48rem){.privacy-choices,.legal-grid{grid-template-columns:1fr}}@media print{.loans-legal .effective,.choice-button,.privacy-request-form,.document-toc,.breadcrumbs{display:none!important}.loans-legal .print-note{color:#444;margin-bottom:18px;font-size:13px;display:block}}.lr-hero{border-bottom:1px solid var(--color-line);background:radial-gradient(circle at 15% 5%,#2f6fb71f,#0000 32%),linear-gradient(#fbfdff,#f1f7fb)}.lr-grid{grid-template-columns:minmax(0,.9fr) minmax(420px,1.1fr);align-items:start;gap:48px;padding:54px 0 64px;display:grid}.lr-eyebrow{color:var(--color-blue);letter-spacing:.09em;text-transform:uppercase;align-items:center;gap:8px;margin:0 0 12px;font-size:.74rem;font-weight:800;display:inline-flex}.lr-eyebrow__bar{background:var(--color-red);border-radius:9px;width:24px;height:3px}.lr-copy h1{color:var(--color-navy);font-family:var(--font-serif);letter-spacing:-.03em;margin:0 0 17px;font-size:clamp(2.4rem,5vw,4rem);font-weight:450;line-height:1}.lr-lede{max-width:520px;color:var(--color-muted);margin:0 0 20px;font-size:1.15rem;line-height:1.55}.benefits{gap:10px;margin:0;padding:0;list-style:none;display:grid}.benefits li{color:#334b61;align-items:center;gap:10px;font-size:.98rem;font-weight:700;display:flex}.benefits .check{width:21px;height:21px;color:var(--color-green);background:#e8f5f1;border-radius:50%;flex:none;place-items:center;font-size:.8rem;display:grid}.form-shell{background:#fff;border:1px solid #d6e1e9;border-radius:20px;overflow:clip;box-shadow:0 18px 48px #0d2a4f24}.brand-rule{background:linear-gradient(90deg, var(--color-blue) 0 58%, #fff 58% 65%, var(--color-red) 65%);height:5px}.form-head{background:var(--color-navy);color:#fff;padding:20px 18px 16px}.form-head h2{font-family:var(--font-serif);margin:0 0 5px;font-size:1.5rem;font-weight:500;line-height:1.12}.form-head p{color:#ffffffbf;margin:0;font-size:.82rem}.bk-form-container{min-height:470px;padding:10px 12px 14px}.bk-form-container.is-live{min-height:0}.mock-form{padding:24px}.steps-mini{gap:6px;margin-bottom:20px;display:flex}.steps-mini span{background:#dfe7ed;border-radius:9px;flex:1;height:5px}.steps-mini span.is-active{background:var(--color-blue)}.field-label{color:var(--color-navy);margin-bottom:8px;font-size:.88rem;font-weight:700}.amount-box{border:1px solid var(--color-line);color:var(--color-navy);border-radius:13px;margin-bottom:16px;padding:14px 16px;font-size:1.5rem;font-weight:800}.fake-range{background:linear-gradient(90deg, var(--color-blue) 0 34%, #dbe6ed 34%);border-radius:9px;height:7px;margin:8px 3px 9px;position:relative}.fake-range__thumb{box-sizing:content-box;border:5px solid var(--color-blue);background:#fff;border-radius:50%;width:20px;height:20px;position:absolute;top:50%;left:34%;transform:translate(-50%,-50%)}.range-labels{color:var(--color-muted);justify-content:space-between;margin-bottom:20px;font-size:.7rem;display:flex}.fake-select{border:1px solid var(--color-line);color:#516577;border-radius:13px;justify-content:space-between;margin-bottom:15px;padding:14px 16px;display:flex}.primary-btn{background:var(--color-red);color:#fff;border-radius:12px;justify-content:center;align-items:center;width:100%;min-height:54px;font-size:1.05rem;font-weight:800;display:flex}.consent-preview{color:var(--color-muted);text-align:center;margin:13px 2px 20px;font-size:.88rem;line-height:1.5}.form-shell__note{border-top:1px solid var(--color-line);color:var(--color-muted);text-align:center;background:#f4f8fb;padding:13px 18px;font-size:.7rem}.trust{border-bottom:1px solid var(--color-line);grid-template-columns:repeat(4,1fr);display:grid}.trust>div{text-align:center;border-right:1px solid var(--color-line);border-top:1px solid var(--color-line);padding:18px 10px}.trust>div:last-child{border-right:0}.trust strong{color:var(--color-navy);font-size:.84rem;display:block}.trust span{color:var(--color-muted);font-size:.72rem}.lr-section{padding:54px 0}.lr-section--soft{background:#f4f8fb}.lr-title{text-align:center;max-width:740px;margin:0 auto 28px}.lr-title .lr-eyebrow{justify-content:center}.lr-title h2{color:var(--color-navy);font-family:var(--font-serif);letter-spacing:-.02em;margin:0 0 12px;font-size:clamp(1.9rem,4vw,2.75rem);font-weight:450;line-height:1.08}.lr-title p{color:var(--color-muted);margin:0}.lr-cards{grid-template-columns:repeat(3,1fr);gap:14px;display:grid}.lr-card{border:1px solid var(--color-line);background:#fff;border-radius:15px;padding:22px}.lr-card__number{background:var(--color-navy);color:#fff;border-radius:11px;place-items:center;width:40px;height:40px;margin-bottom:25px;font-weight:800;display:grid}.lr-card h3{color:var(--color-navy);margin:0 0 7px;font-size:1.2rem}.lr-card p{color:var(--color-muted);margin:0;line-height:1.55}.notice{background:#fff8e6;border:1px solid #ecd89d;border-radius:15px;padding:20px}.notice h3{color:#604915;margin:0 0 8px;font-size:1.1rem}.notice p{color:#705d27;margin:0;font-size:.9rem;line-height:1.6}.lr-faq{border-top:1px solid var(--color-line);max-width:850px;margin:auto}.lr-faq details{border-bottom:1px solid var(--color-line)}.lr-faq summary{cursor:pointer;color:var(--color-navy);padding:20px 36px 20px 0;font-weight:700;list-style:none;position:relative}.lr-faq summary::-webkit-details-marker{display:none}.lr-faq__mark{color:var(--color-red);transition:transform .2s;position:absolute;top:50%;right:2px;transform:translateY(-50%)}.lr-faq details[open] .lr-faq__mark{transform:translateY(-50%)rotate(45deg)}.lr-faq details p{color:var(--color-muted);margin:0;padding:0 28px 20px 0;line-height:1.6}.legal-center-cta{border-top:1px solid var(--color-line);border-bottom:1px solid var(--color-line);background:#f7fafc;padding:28px 0}.legal-center-cta__inner{justify-content:space-between;align-items:center;gap:14px;display:flex}.legal-center-cta h2{color:var(--color-navy);font-family:var(--font-serif);margin:0;font-size:1.6rem;font-weight:500}.legal-center-cta p{max-width:700px;color:var(--color-muted);margin:4px 0 0;font-size:.9rem}.legal-center-button{min-height:46px;color:var(--color-navy);white-space:nowrap;background:#fff;border:1px solid #cfdbe4;border-radius:11px;justify-content:center;align-items:center;padding:0 18px;font-weight:700;display:inline-flex}.legal-center-button:hover{border-color:var(--color-blue);color:var(--color-blue)}.loans-disclosure{border-top:1px solid var(--color-line);background:#f7fafc;padding:34px 0 26px}.loans-disclosure__grid{grid-template-columns:1.4fr 1fr 1fr;gap:28px;display:grid}.loans-disclosure__operator{color:#4f6378;margin:0;font-size:.84rem;line-height:1.6}.loans-disclosure h2{color:var(--color-navy);letter-spacing:.06em;text-transform:uppercase;margin:0 0 8px;font-size:.78rem;font-weight:700}.loans-disclosure nav{gap:6px;display:grid}.loans-disclosure nav a{color:#3f5670;font-size:.82rem;font-weight:600}.loans-disclosure nav a:hover{color:var(--color-blue)}.loans-disclosure__bottom{color:#4f6378;margin:22px auto 0;font-size:.72rem;line-height:1.6}@media (max-width:48rem){.lr-grid{grid-template-columns:1fr;gap:20px;padding:24px 0 34px}.lr-copy{text-align:center}.benefits{text-align:left;width:max-content;max-width:100%;margin:0 auto}.benefits .desktop-benefit{display:none}.lr-copy h1 span{display:block}.mock-form{padding:18px}.bk-form-container{padding:6px 8px 10px}.trust{grid-template-columns:repeat(2,1fr)}.lr-cards,.loans-disclosure__grid{grid-template-columns:1fr}.legal-center-cta__inner{flex-direction:column;align-items:flex-start}}.ad-slot{max-width:var(--container-site);padding:0 var(--gutter);min-height:var(--ad-min-h,250px);margin:28px auto}.ad-slot__label{color:var(--color-muted);letter-spacing:.08em;text-transform:uppercase;margin-bottom:6px;font-size:.64rem;font-weight:650;display:block}.home-stage{isolation:isolate;color:#fff;background:linear-gradient(#08213d 0%,#0d2a4f 55%,#0b2446 100%);position:relative;overflow:hidden}.hero-field{z-index:0;opacity:0;pointer-events:none;width:100%;height:100%;transition:opacity .9s;position:absolute;inset:0}.hero-field.is-ready{opacity:1}.home-stage__content{z-index:1;position:relative}.home-stage .live-brief{background:#ffffff09;border-bottom:1px solid #ffffff17}.hero--dark{background:0 0;border-bottom:0}.hero--dark:before{display:none}.hero--dark .hero__inner{grid-template-columns:1.08fr .92fr;gap:56px;padding:58px 0 66px}.hero--dark h1{color:#fff;letter-spacing:-.03em;text-wrap:balance;max-width:10ch;font-size:clamp(3.4rem,7vw,6.4rem);line-height:.92}.hero__eyebrow{color:#a9bdd2;align-items:center;gap:10px;margin:0 0 20px;font-size:.66rem;font-weight:500;display:inline-flex}.hero__eyebrow-dot{background:var(--color-red);border-radius:50%;width:7px;height:7px;box-shadow:0 0 0 4px #c8102e38}.hero--dark .hero__copy{color:#c3d3e4;max-width:540px;margin:24px 0 28px;font-size:1.06rem}html.has-motion .hero--dark .hero__eyebrow{animation:fade-up var(--dur-slow) var(--ease-out-expo) 80ms both}html.has-motion .hero--dark .hero__copy{animation:fade-up var(--dur-slow) var(--ease-out-expo) .16s both}html.has-motion .hero--dark .hero__search{animation:fade-up var(--dur-slow) var(--ease-out-expo) .24s both}html.has-motion .hero--dark .market-card{animation:fade-up .72s var(--ease-out-expo) .32s both}.hero--dark .search-shell{-webkit-backdrop-filter:blur(16px)saturate(1.3);background:#ffffff14;border-color:#ffffff29;box-shadow:inset 0 1px #ffffff1f,0 18px 44px #03102259}.hero--dark .search-shell.is-active{border-color:#ffffff52}.hero--dark .search-shell__icon{color:#dbe6f0;background:#ffffff1a}.hero--dark .search-shell input{color:#fff}.hero--dark .search-shell input::placeholder{color:#a9bdd2}.hero--dark .search-shell button{color:var(--color-navy);background:#fff;box-shadow:0 8px 20px #0310224d}.hero--dark .search-shell button:hover{background:#eef5fb}.hero--dark .quick-links{color:#a9bdd2}.hero--dark .quick-links__query{color:#dbe6f0;background:#ffffff12;border-color:#ffffff29}.hero--dark .quick-links__query:hover{color:#fff;border-color:#ffffff6b}.market-card--glass{background:#ffffff0e;border-color:#ffffff21;box-shadow:inset 0 1px #ffffff1a,0 30px 70px #03102273}.market-card--glass:before{display:none}@media (min-width:64rem){.market-card--glass{-webkit-backdrop-filter:blur(20px)}}.market-card--glass .market-card__title p,.market-card--glass .market-card__footer span{color:#a9bdd2}.market-card--glass .live-pill{letter-spacing:.08em;font-size:.58rem}.market-card--glass .rate-card--row{background:#ffffff0b;border-color:#ffffff1a;grid-template-columns:minmax(0,1fr) 64px auto}.market-card--glass .rate-card--row .rate-card__name{grid-area:1/1}.market-card--glass .rate-card--row .sparkline{color:#8fb8e6;grid-area:1/2;justify-self:center;width:64px;height:22px;margin:0;display:block}.market-card--glass .rate-card--row .rate-card__value{grid-area:1/3}.market-card--glass .rate-card--row .rate-card__name small,.market-card--glass .rate-card--row .rate-card__value small{color:#a9bdd2}.market-card--glass .rate-card--row .rate-card__chip,.market-card--glass .rate-card--row.rate-card--unavailable .rate-card__meta{grid-column:1/-1}html.has-motion .market-card--glass .sparkline path{--draw-length:140;stroke-dasharray:140;animation:draw-line 1.2s var(--ease-out-expo) .52s both}html.has-motion .market-card--glass .rate-card:nth-child(2) .sparkline path{animation-delay:.66s}html.has-motion .market-card--glass .rate-card:nth-child(3) .sparkline path{animation-delay:.8s}@media (min-width:64rem){.home-section{--section-y:72px}}.goal-card--motif .goal-card__visual{background:linear-gradient(180deg, var(--tint), #fff);align-items:flex-end;height:118px;padding:16px 20px 0}.goal-card--motif .goal-card__visual:after{display:none}.goal-motif{width:100%;max-width:156px;height:auto;color:var(--accent);display:block;overflow:visible}.goal-card__index{color:var(--accent);opacity:.85;font-size:.62rem;position:absolute;top:12px;right:14px}.goal-card--motif .goal-card__body h3{letter-spacing:-.01em;font-size:1.2rem}.motif-bar{transform-box:fill-box;transform-origin:bottom;transition:transform var(--dur-slow) var(--ease-out-expo)}.motif-bar:nth-child(2){transition-delay:40ms}.motif-bar:nth-child(3){transition-delay:80ms}.motif-bar:nth-child(4){transition-delay:.12s}.motif-bar:nth-child(5){transition-delay:.16s}.motif-bar:nth-child(6){transition-delay:.2s}.motif-needle{transform-box:view-box;transform-origin:60px 60px;transition:transform .76s var(--ease-out-expo)}.motif-card{transition:transform var(--dur-base) var(--ease-out-expo)}@media (hover:hover) and (prefers-reduced-motion:no-preference){.goal-card:hover .goal-motif--borrow .motif-bar{transform:scaleY(1.22)}.goal-card:hover .goal-motif--debt .motif-bar{transform:scaleY(.58)}.goal-card:hover .motif-needle{transform:rotate(58deg)}.goal-card:hover .goal-motif--cards .motif-card{transform:translate(3px,-5px)}.goal-card:hover .motif-line{--draw-length:180;stroke-dasharray:180;animation:draw-line 1s var(--ease-out-expo)}}.tool-rail{border:1px solid var(--color-line);border-radius:var(--radius-xl);background:#fff;grid-template-columns:repeat(3,minmax(0,1fr));display:grid;overflow:hidden;box-shadow:0 10px 34px #0d2a4f0f}.tool-rail__item{--accent:var(--color-blue);border-right:1px solid var(--color-line);flex-direction:column;padding:28px 26px 24px;display:flex;position:relative}.tool-rail__item:last-child{border-right:0}.tool-rail__item[data-accent=loans]{--accent:#285f94}.tool-rail__item[data-accent=debt]{--accent:var(--color-amber)}.tool-rail__item[data-accent=credit]{--accent:var(--color-purple)}.tool-rail__item:before{content:"";background:var(--accent);opacity:.85;border-radius:0 0 3px 3px;height:3px;position:absolute;top:0;left:26px;right:26px}.tool-rail__kicker{color:var(--color-muted);margin:0 0 12px;font-size:.62rem}.tool-rail__value{color:var(--color-navy);font-family:var(--font-serif);letter-spacing:-.02em;font-variant-numeric:tabular-nums;align-items:baseline;gap:5px;margin:0;font-size:clamp(2.4rem,3.2vw,3rem);font-weight:450;line-height:1;display:flex}.tool-rail__value small{color:var(--color-muted);font-family:var(--font-sans);font-size:.9rem;font-weight:500}.tool-rail__inputs{color:var(--accent);margin:10px 0 0;font-size:.6rem}.tool-rail__item h3{border-top:1px solid var(--color-line);color:var(--color-navy);margin:22px 0 4px;padding-top:18px;font-size:.98rem}.tool-rail__copy{color:var(--color-muted);margin:0;font-size:.8rem;line-height:1.5}.tool-rail__link{color:var(--accent);align-items:center;gap:6px;margin-top:auto;padding-top:16px;font-size:.76rem;font-weight:700;display:inline-flex}@media (hover:hover){.tool-rail__link>svg:last-child{transition:translate var(--dur-fast) var(--ease-out-expo)}.tool-rail__link:hover>svg:last-child{translate:3px}}.guide-shell--editorial{grid-template-columns:.9fr 1.1fr;align-items:start;gap:44px;padding:36px}.guide-shell--editorial:before{display:none}.guide-shell--editorial:after{content:"";opacity:.08;mix-blend-mode:overlay;pointer-events:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='2' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");position:absolute;inset:0}.guide-shell--editorial .guide-shell__label{color:#a9bdd2}.guide-shell--editorial .section-index{color:#f08a9b;border-right-color:#fff3}.guide-shell--editorial .guide-shell__intro h2{letter-spacing:-.02em;max-width:14ch;font-size:clamp(1.8rem,2.6vw,2.4rem);font-weight:450}.guide-shell--editorial .guide-shell__intro>p:last-child{color:#c3d3e4;max-width:420px;font-size:.9rem}.guide-shell__reading{z-index:1;border-top:1px solid #ffffff24;margin:0;padding:0;list-style:none;position:relative}.guide-row{color:#fff;border-bottom:1px solid #ffffff24;grid-template-columns:36px 1fr 20px;align-items:center;gap:14px;padding:16px 4px;display:grid}.guide-row__index{color:#8fb8e6;font-size:.66rem}.guide-row__text{transition:transform var(--dur-base) var(--ease-out-expo)}.guide-row__text strong{font-family:var(--font-serif);font-size:1.12rem;font-weight:500;line-height:1.2;display:block}.guide-row__text>span{color:#a9bdd2;margin-top:3px;font-size:.76rem;display:block}.guide-row__meta{color:#8fb8e6;font-style:normal}.guide-row>svg:last-child{color:#8fb8e6;transition:translate var(--dur-fast) var(--ease-out-expo), color var(--dur-fast)}@media (hover:hover){.guide-row:hover .guide-row__text{transform:translate(6px)}.guide-row:hover>svg:last-child{color:#fff;translate:4px}}.update-list{border-top:1px solid var(--color-line);margin:0;padding:0;list-style:none}.update-row{border-bottom:1px solid var(--color-line);grid-template-columns:150px 1fr 24px;align-items:start;gap:22px;padding:22px 0;display:grid}.update-row__date{color:var(--color-muted);padding-top:6px;font-size:.64rem}.update-row__body h3{font-family:var(--font-serif);letter-spacing:-.01em;margin:6px 0;font-size:1.35rem;font-weight:500;line-height:1.15}.update-row__body h3 a{color:var(--color-navy)}.update-row__body h3 a:hover{text-underline-offset:4px;text-decoration:underline}.update-row__body>p:last-child{max-width:620px;color:var(--color-muted);margin:0;font-size:.86rem}.update-row__arrow{color:var(--color-blue);margin-top:10px}.trust-ledger{border-top:1px solid var(--color-line);grid-template-columns:.9fr 1.1fr;align-items:start;gap:40px;padding:36px 0 8px;display:grid}.trust-ledger__intro h3{max-width:16ch;color:var(--color-navy);font-family:var(--font-serif);letter-spacing:-.02em;margin:0;font-size:clamp(1.7rem,2.4vw,2.2rem);font-weight:450;line-height:1.1}.trust-ledger__intro>p{max-width:420px;color:var(--color-muted);margin:12px 0 0;font-size:.92rem}.trust-ledger__points{gap:8px;margin:20px 0 0;padding:0;list-style:none;display:grid}.trust-ledger__points li{color:var(--color-muted);align-items:flex-start;gap:9px;font-size:.8rem;line-height:1.5;display:flex}.trust-ledger__points svg{color:var(--color-green);flex:none;margin-top:4px}.trust-ledger__points strong{color:var(--color-navy);font-weight:650}.trust-ledger__facts{grid-template-columns:repeat(3,minmax(0,1fr));margin:0;display:grid}.trust-fact{border-left:1px solid var(--color-line);padding:6px 22px 0}.trust-fact:first-child{border-left:0;padding-left:0}.trust-fact__label{color:var(--color-muted);margin-bottom:10px;font-size:.62rem;display:block}.trust-fact dd{margin:0}.trust-fact__value{color:var(--color-navy);font-family:var(--font-serif);letter-spacing:-.02em;font-variant-numeric:tabular-nums;font-size:clamp(2.4rem,3.6vw,3.6rem);font-weight:450;line-height:1;display:block}.trust-fact__detail{color:var(--color-muted);margin-top:12px;font-size:.78rem;line-height:1.5;display:block}@media (max-width:67.5rem){.hero--dark .hero__inner{grid-template-columns:1fr;gap:32px;padding:40px 0 48px}.guide-shell--editorial{grid-template-columns:1fr;gap:24px;padding:28px}.tool-rail{grid-template-columns:1fr}.tool-rail__item{border-right:0;border-bottom:1px solid var(--color-line)}.tool-rail__item:last-child{border-bottom:0}.trust-ledger{grid-template-columns:1fr;gap:28px}}@media (max-width:40rem){.hero--dark .hero__inner{padding:26px 0 34px}.hero--dark h1{font-size:3.2rem}.hero--dark .hero__copy{margin:18px 0 22px;font-size:.98rem}.market-card--glass .rate-card--row{grid-template-columns:minmax(0,1fr) 56px auto}.market-card--glass .rate-card--row .sparkline{width:56px}.goal-card--motif .goal-card__visual{height:108px}.tool-rail__item{padding:22px 18px 20px}.tool-rail__item:before{left:18px;right:18px}.update-row{grid-template-columns:1fr;gap:4px;padding:18px 0}.update-row__arrow{display:none}.trust-ledger{padding-top:28px}.trust-ledger__facts{grid-template-columns:1fr;gap:18px}.trust-fact{border-left:0;border-top:1px solid var(--color-line);padding:16px 0 0}.trust-fact:first-child{border-top:0;padding-top:0}}@media (max-width:22.5rem){.market-card--glass .market-card__head{flex-direction:column;align-items:flex-start;gap:10px}.market-card--glass h2{font-size:1.3rem}.market-card--glass .rate-card--row{grid-template-columns:minmax(0,1fr) auto}.market-card--glass .rate-card--row .sparkline{display:none}.market-card--glass .rate-card--row .rate-card__value{grid-column:2}}:root{--viz-1:var(--color-blue);--viz-2:var(--color-amber);--viz-3:var(--color-green);--viz-4:var(--color-red);--viz-ink:var(--color-muted);--viz-base:var(--color-line)}.plan-card,.growth-card,.calc-result,.market-card{--viz-1:#9cc3ec;--viz-2:#ffd38a;--viz-3:#8fe0c0;--viz-4:#ff9aa8;--viz-ink:#ffffffb8;--viz-base:#ffffff2e}.viz-tone-1{--viz-tone:var(--viz-1)}.viz-tone-2{--viz-tone:var(--viz-2)}.viz-tone-3{--viz-tone:var(--viz-3)}.viz-tone-4{--viz-tone:var(--viz-4)}.viz-curve{gap:4px;display:grid;position:relative}.viz-curve svg{width:100%;height:var(--viz-h,110px);display:block;overflow:visible}.viz-curve__base{stroke:var(--viz-base);stroke-width:1px;vector-effect:non-scaling-stroke}.viz-curve__line{fill:none;stroke:var(--viz-tone);stroke-width:1.75px;stroke-linecap:round;stroke-linejoin:round;vector-effect:non-scaling-stroke}.viz-curve__line--dash{stroke-dasharray:3 4}.viz-curve__fill{fill:var(--viz-tone);opacity:.16}.viz-curve__marker{stroke:var(--viz-ink);stroke-width:1px;stroke-dasharray:2 3;vector-effect:non-scaling-stroke}.viz-curve__marker-label{top:0;left:var(--viz-x,0%);color:var(--viz-ink);white-space:nowrap;background:#ffffff1a;border-radius:6px;padding:2px 6px;font-size:.56rem;position:absolute;translate:-100%}.viz-curve__x,.viz-curve__y{color:var(--viz-ink);justify-content:space-between;font-size:.56rem;display:flex}.viz-split{gap:8px;display:grid}.viz-split__bar{background:var(--viz-base);border-radius:999px;height:8px;display:flex;overflow:hidden}.viz-split__seg{width:var(--viz-w,0%);background:var(--viz-tone);transition:width var(--dur-base) var(--ease-out-expo);display:block}.viz-split__seg+.viz-split__seg{box-shadow:-1px 0 #00000040}.viz-split__legend{color:var(--viz-ink);flex-wrap:wrap;gap:6px 16px;margin:0;padding:0;font-size:.66rem;list-style:none;display:flex}.viz-split__legend li{align-items:center;gap:6px;display:inline-flex}.viz-split__legend strong{color:inherit;font-variant-numeric:tabular-nums;font-weight:650}.viz-swatch{background:var(--viz-tone);border-radius:2px;width:8px;height:8px}.viz-gauge svg{width:100%;max-width:240px;height:auto;margin:0 auto;display:block;overflow:visible}.viz-gauge__band{fill:none;stroke:var(--viz-tone);stroke-width:10px;stroke-linecap:butt;opacity:.55}.viz-gauge__needle{transform-box:view-box;transform-origin:100px 100px;transform:rotate(var(--viz-rot,-90deg));transition:transform var(--dur-slow) var(--ease-out-expo)}.viz-gauge__needle line{stroke:currentColor;stroke-width:2.5px;stroke-linecap:round}.viz-gauge__needle circle{fill:currentColor}.viz-compare{gap:7px;display:grid}.viz-compare__row{color:var(--viz-ink);grid-template-columns:minmax(80px,.9fr) 1.6fr auto;align-items:center;gap:10px;font-size:.66rem;display:grid}.viz-compare__track{background:var(--viz-base);border-radius:999px;height:8px;display:block;overflow:hidden}.viz-compare__bar{width:var(--viz-w,0%);background:var(--viz-tone);height:100%;transition:width var(--dur-base) var(--ease-out-expo);border-radius:999px;display:block}.viz-compare__value{color:inherit;font-variant-numeric:tabular-nums;white-space:nowrap;font-weight:650}.calc-visual{color:#fff;border-top:1px solid #ffffff1f;margin-top:14px;padding-top:12px}.calc-visual__caption{color:var(--viz-ink);margin:0 0 8px;font-size:.58rem}.calculator--compact .calc-visual{margin-top:10px;padding-top:10px}:root{--pattern-contours:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='900' height='520' viewBox='0 0 900 520' fill='none' stroke='%230d2a4f' stroke-opacity='0.075' stroke-width='1'%3E%3Cpath d='M689.6 200.0L693.0 205.4L693.6 211.0L691.4 216.4L687.4 221.5L682.1 226.1L675.8 230.4L668.5 234.0L660.4 237.0L651.5 239.1L642.3 240.4L633.3 241.3L624.8 242.1L616.7 243.3L608.5 244.8L600.0 246.1L591.1 246.7L582.2 246.1L573.9 244.3L566.3 241.8L559.0 239.1L551.5 236.9L542.8 235.0L533.0 233.3L522.9 230.9L514.0 227.4L507.9 222.6L505.6 216.9L507.0 210.9L510.8 205.2L515.6 200.0L520.0 195.4L523.4 191.0L526.0 186.7L528.4 182.4L531.4 178.1L535.0 173.9L539.2 169.8L543.9 165.6L549.2 161.4L555.3 157.3L562.5 153.6L571.0 150.8L580.5 149.4L590.3 149.3L600.0 150.1L609.3 151.2L618.4 152.2L627.7 153.0L637.0 154.1L646.0 156.0L653.7 159.2L659.3 163.7L662.4 169.0L663.7 174.5L664.7 179.4L666.9 183.6L671.1 187.3L677.2 190.9L683.9 195.1L689.6 200.0Z'/%3E%3Cpath d='M753.5 200.0L755.1 209.0L754.3 218.1L751.4 227.1L746.2 235.9L738.1 244.0L726.5 250.7L711.8 255.5L695.0 258.2L678.1 259.3L662.8 260.0L649.7 261.6L638.3 265.0L627.0 270.1L614.5 275.9L600.0 280.8L584.1 283.4L568.0 282.9L552.9 279.9L539.1 275.4L526.1 270.6L513.1 266.0L499.5 261.6L486.0 256.6L473.8 250.6L464.5 243.2L459.1 234.6L457.4 225.6L458.3 216.6L460.6 208.1L463.5 200.0L466.7 192.3L470.7 184.8L475.6 177.7L481.3 170.8L486.9 164.0L491.9 156.7L496.3 148.5L501.0 139.3L507.7 129.9L517.8 121.4L531.7 115.4L548.6 112.8L566.7 113.6L584.2 116.8L600.0 120.8L614.4 124.3L628.3 126.4L642.5 127.8L657.1 129.3L671.1 132.0L683.5 136.6L693.6 142.7L701.5 149.6L708.4 156.5L715.7 163.2L724.0 169.5L733.2 176.1L742.0 183.3L749.1 191.4L753.5 200.0Z'/%3E%3Cpath d='M808.8 200.0L805.6 211.9L803.1 223.8L800.5 235.9L795.3 248.0L785.2 259.0L769.1 267.8L748.3 273.7L725.6 276.9L704.0 279.0L685.6 281.8L670.1 286.9L655.7 294.6L640.1 304.0L621.5 312.9L600.0 319.4L576.7 322.2L553.2 321.4L530.8 317.5L509.9 311.7L490.6 304.5L473.2 296.3L458.4 286.8L446.8 276.1L438.5 264.7L432.8 253.3L427.9 242.3L422.3 231.9L415.3 221.7L408.1 211.1L402.8 200.0L401.8 188.5L406.0 177.2L414.3 166.7L424.4 156.9L433.6 147.0L440.7 136.1L446.6 123.8L453.9 110.5L465.4 97.8L482.6 87.8L505.0 82.3L530.3 81.6L555.6 84.9L579.1 90.1L600.0 95.4L619.2 99.5L637.7 102.3L656.2 104.5L675.0 107.1L693.6 110.6L711.9 115.0L730.1 120.3L748.5 126.2L767.0 133.1L784.4 141.3L798.8 151.2L808.4 162.6L812.4 175.1L811.8 187.7L808.8 200.0Z'/%3E%3Cpath d='M850.6 200.0L843.7 214.1L840.4 228.2L838.2 242.7L833.0 257.2L822.2 270.8L805.4 282.3L784.5 291.7L762.4 299.5L741.2 307.2L721.2 315.8L701.3 325.5L679.8 335.5L655.6 344.4L628.8 351.0L600.0 354.7L570.3 355.7L540.5 354.4L511.2 350.8L483.3 344.6L458.6 335.2L439.0 322.3L425.8 306.8L418.4 290.2L414.0 274.5L408.5 261.0L398.1 249.6L381.7 239.1L361.4 228.0L342.0 215.0L328.6 200.0L324.5 184.0L329.8 168.3L341.7 153.7L356.1 140.1L370.1 126.8L383.1 113.0L396.6 98.9L413.1 85.5L434.3 74.2L460.2 66.4L489.0 62.4L518.5 61.6L547.1 62.7L574.2 64.6L600.0 66.7L624.9 69.3L649.1 72.6L672.5 76.9L695.6 81.5L719.6 85.7L745.8 89.3L775.1 92.7L806.3 97.5L836.4 105.3L860.6 117.0L875.0 132.4L878.2 150.1L872.0 168.1L861.1 184.9L850.6 200.0Z'/%3E%3Cpath d='M889.3 200.0L882.4 216.4L878.3 232.6L874.4 249.2L868.0 265.8L858.5 282.3L846.2 298.7L831.6 315.1L814.8 331.6L794.7 347.8L769.8 362.3L739.9 373.4L706.0 380.0L670.2 382.2L634.6 381.4L600.0 379.7L566.0 378.4L531.6 377.5L496.8 375.2L463.4 369.3L434.4 358.3L412.5 342.3L398.5 323.5L389.6 304.5L380.8 287.9L367.0 274.2L345.8 262.4L318.4 250.5L289.7 236.4L265.8 219.4L251.3 200.0L247.9 179.6L254.3 159.5L267.6 140.4L285.2 122.7L306.0 106.3L330.0 91.8L357.5 79.5L387.9 70.1L419.7 63.0L450.8 57.4L480.4 51.8L508.8 45.2L537.5 37.9L567.9 31.4L600.0 27.7L632.7 28.4L664.3 33.2L694.0 40.4L722.9 47.7L753.4 53.4L787.6 57.6L825.4 61.9L863.7 69.0L896.9 81.0L919.6 98.2L928.6 119.3L925.2 141.7L913.8 163.2L900.3 182.6L889.3 200.0Z'/%3E%3Cpath d='M944.4 200.0L939.4 219.7L932.2 239.0L923.3 258.0L914.5 277.2L907.1 297.8L900.8 320.6L892.6 345.4L878.1 370.4L853.6 392.6L818.0 408.3L774.0 415.6L726.4 414.7L680.3 408.5L638.3 401.0L600.0 395.7L563.1 393.6L525.5 393.4L486.9 392.0L449.3 386.8L415.4 376.4L387.1 361.7L363.5 344.9L341.7 328.3L318.5 312.8L292.1 298.1L263.5 282.7L236.0 265.2L213.4 245.3L198.0 223.3L190.4 200.0L189.5 176.2L194.6 152.5L206.2 129.4L225.7 108.0L254.1 89.8L290.8 76.1L332.3 67.0L373.6 61.3L410.4 56.0L441.0 48.1L467.3 35.5L493.4 19.1L523.6 1.6L559.5 -12.7L600.0 -20.3L641.9 -20.1L682.3 -13.5L719.9 -3.6L756.0 6.7L792.4 16.1L830.3 25.1L868.0 35.8L902.1 49.9L928.5 68.3L945.1 90.1L952.3 113.5L953.1 136.7L950.9 158.8L947.9 179.8L944.4 200.0Z'/%3E%3Cpath d='M1026.9 200.0L1021.9 224.5L1008.9 247.9L993.2 270.5L980.1 293.4L971.6 318.4L964.9 346.3L953.8 375.8L932.0 403.4L896.2 425.0L848.2 437.2L793.3 439.5L738.0 434.3L687.0 425.8L641.6 418.1L600.0 413.5L559.7 411.8L518.7 411.1L476.8 409.1L434.8 404.7L393.1 397.7L351.6 388.6L309.7 377.9L267.8 365.0L228.4 349.0L195.2 329.0L171.6 305.2L159.0 279.1L155.2 252.2L156.0 225.7L156.9 200.0L156.7 174.3L157.9 148.1L165.7 122.2L185.3 98.1L218.2 78.4L261.0 64.1L307.3 54.6L349.8 46.7L384.9 36.6L413.2 21.5L439.4 1.0L469.1 -22.2L506.1 -43.7L550.6 -59.2L600.0 -66.5L650.6 -65.6L699.6 -58.4L745.7 -47.4L788.7 -33.8L828.1 -18.0L863.0 0.3L891.8 21.2L914.4 43.8L932.3 66.8L948.6 89.0L966.4 110.0L986.4 130.7L1006.2 152.4L1021.2 175.6L1026.9 200.0Z'/%3E%3Cpath d='M1126.4 200.0L1118.9 230.1L1100.3 258.7L1078.2 285.7L1057.9 312.5L1039.9 340.1L1020.1 368.4L993.3 395.4L956.2 418.3L909.0 434.6L855.3 444.0L799.9 447.7L746.2 448.2L695.5 447.8L647.1 447.3L600.0 446.2L553.5 443.9L507.5 440.2L461.1 435.8L412.8 432.0L360.3 429.1L302.6 425.8L242.2 419.2L185.1 406.1L139.2 384.7L111.2 355.7L102.9 322.1L110.1 287.8L124.2 255.8L136.0 226.9L140.4 200.0L138.3 173.2L135.8 145.6L140.5 117.6L157.2 91.2L186.0 68.1L222.4 48.6L260.6 31.4L296.4 14.0L329.4 -5.5L362.3 -27.1L398.8 -49.3L441.5 -69.1L490.5 -84.3L544.0 -93.8L600.0 -97.8L656.6 -97.1L712.5 -92.0L765.8 -81.6L813.8 -65.0L853.3 -42.0L882.2 -14.3L902.0 14.9L917.8 42.1L936.9 65.0L965.1 83.7L1003.7 100.8L1047.9 119.7L1088.6 142.7L1116.6 170.0L1126.4 200.0Z'/%3E%3Cpath d='M1215.4 200.0L1206.7 235.2L1186.8 268.8L1160.3 300.4L1129.1 330.0L1092.7 356.9L1050.1 380.4L1002.2 399.8L951.7 415.5L901.6 429.0L854.0 442.7L808.0 457.7L761.1 473.5L710.7 487.4L656.4 496.1L600.0 497.7L544.2 492.7L490.5 484.1L437.4 476.1L381.3 471.0L319.2 468.3L251.7 464.5L184.4 454.6L126.6 435.2L87.0 405.6L69.8 368.9L72.3 329.6L86.4 292.1L101.9 258.4L111.5 228.3L113.4 200.0L110.7 171.6L108.8 142.4L112.2 112.6L122.4 82.7L138.3 52.9L158.6 23.1L183.3 -7.0L214.3 -36.4L253.9 -62.8L303.0 -83.9L359.7 -97.7L420.5 -104.8L481.6 -107.3L541.2 -108.5L600.0 -110.3L659.4 -112.0L719.7 -110.6L778.0 -102.2L829.5 -84.5L870.2 -58.2L899.4 -27.4L921.8 2.8L945.5 28.3L978.5 48.3L1024.1 64.9L1079.1 82.3L1134.5 104.2L1179.8 132.0L1207.5 164.8L1215.4 200.0Z'/%3E%3C/svg%3E")}.hero:not(.hero--dark),.article-hero,.calc-hero,.info-hero,.search-hero{background:var(--pattern-contours) right -120px top -60px / 900px auto no-repeat, linear-gradient(180deg, #fbfdff 0%, #f3f8fc 100%)}.hero:not(.hero--dark):before{display:none}.hero:not(.hero--dark) h1{text-wrap:balance}.hero__note-icon{background:0 0;width:auto;height:auto}.eyebrow{font-family:var(--font-mono);letter-spacing:.1em;font-size:.66rem;font-weight:500}.brief__label{font-family:var(--font-mono);letter-spacing:.1em;font-weight:500}.reassurance__grid{gap:0;padding:0}.reassurance__item{border-right:1px solid var(--color-line);grid-template-columns:1fr;align-items:start;gap:4px;padding:18px 22px 18px 0}.reassurance__item+.reassurance__item{padding-left:22px}.reassurance__item:last-child{border-right:0;padding-right:0}.reassurance__icon{width:auto;height:auto;color:var(--color-blue);background:0 0}.reassurance__item strong{font-size:.84rem}.goal-card:not(.goal-card--motif) .goal-card__icon,.tool-card__icon,.category-card__icon,.option-card__icon,.trust-point__icon,.guide-link__icon,.guide-stack__icon,.compare-card__icon,.insurance-card__icon,.type-card__icon,.smart-related__icon,.newsletter__icon,.trust-panel__icon,.featured-main__icon,.path-step__icon,.finder-card__icon,.purpose-card__icon,.product-card__icon,.mini-tool__icon,.factor__icon,.before-item__icon{box-shadow:none;background:0 0;border:0}.goal-card:not(.goal-card--motif) .goal-card__icon{width:auto;height:auto}.goal-card:not(.goal-card--motif) .goal-card__icon svg{width:34px;height:34px}.goal-card:not(.goal-card--motif) .goal-card__visual:after{display:none}.goal-card:not(.goal-card--motif) .goal-card__watermark{opacity:.06;bottom:-22px;right:8px}.goal-card:not(.goal-card--motif) .goal-card__watermark svg{width:110px;height:110px}.tool-card__visual{background:var(--tint)}.tool-card__icon svg{width:30px;height:30px}.after-grid{grid-template-columns:1fr 1fr;gap:0 48px;display:grid}.step-list{counter-reset:step;border-top:1px solid var(--color-line);margin:0;padding:0;list-style:none}.step-list__item{counter-increment:step;border-bottom:1px solid var(--color-line);grid-template-columns:40px 1fr;gap:12px;padding:18px 0;display:grid}.step-list__item:before{content:counter(step, decimal-leading-zero);font-family:var(--font-mono);letter-spacing:.08em;color:var(--color-red);padding-top:6px;font-size:.66rem}.step-list__item h3{color:var(--color-navy);font-family:var(--font-serif);margin:0 0 4px;font-size:1.15rem;font-weight:500;line-height:1.2}.step-list__item p{color:var(--color-muted);margin:0;font-size:.82rem;line-height:1.5}.step-list__item a{color:var(--color-blue);align-items:center;gap:6px;margin-top:8px;font-size:.76rem;font-weight:700;display:inline-flex}.info-grid{counter-reset:info;border-top:1px solid var(--color-line);border-bottom:1px solid var(--color-line);gap:0}.info-card{counter-increment:info;border:0;border-right:1px solid var(--color-line);box-shadow:none;border-radius:0;padding:26px 28px 26px 0}.info-card+.info-card{padding-left:28px}.info-card:last-child{border-right:0;padding-right:0}.info-card:before{content:counter(info, decimal-leading-zero);font-family:var(--font-mono);letter-spacing:.1em;color:var(--color-red);margin-bottom:14px;font-size:.66rem;display:block}.info-card h2{letter-spacing:-.015em;font-size:1.45rem;font-weight:450}.rate-flow-section__title{color:var(--color-navy);font-family:var(--font-serif);letter-spacing:-.02em;margin:0 0 28px;font-size:clamp(1.8rem,2.8vw,2.4rem);font-weight:450;line-height:1.08}.rate-flow{grid-template-columns:repeat(4,minmax(0,1fr));gap:28px;margin:0;padding:0;list-style:none;display:grid;position:relative}.rate-flow__line{width:auto;height:4px;position:absolute;top:21px;left:22px;right:22px;overflow:visible}.rate-flow__line path{stroke:var(--color-line);stroke-width:2px;stroke-dasharray:100;stroke-dashoffset:0}html.has-motion .rate-flow[data-reveal-state=in] .rate-flow__line path{--draw-length:100;animation:draw-line 1.4s var(--ease-out-expo) both}.rate-flow__step{gap:6px;display:grid;position:relative}.rate-flow__node{border:1px solid var(--color-line);width:44px;height:44px;box-shadow:var(--shadow-sm);color:var(--color-blue);background:#fff;border-radius:50%;place-items:center;display:grid}.rate-flow__index{color:var(--color-red);margin-top:8px;font-size:.62rem}.rate-flow__step strong{color:var(--color-navy);font-family:var(--font-serif);font-size:1.1rem;font-weight:500}.rate-flow__step p{color:var(--color-muted);margin:0;font-size:.82rem;line-height:1.5}@media (max-width:67.5rem){.reassurance__grid{padding:0}.reassurance__item{padding:14px 18px 14px 0}.reassurance__item:nth-child(2n){border-right:0;padding-right:0}.reassurance__item:nth-child(n+3){border-top:1px solid var(--color-line)}.reassurance__item:nth-child(3){padding-left:0}.after-grid{grid-template-columns:1fr;gap:0}.after-grid .step-list+.step-list{border-top:0}.rate-flow{grid-template-columns:1fr 1fr;gap:24px}.rate-flow__line{display:none}}@media (max-width:48rem){.info-card,.info-card+.info-card{border-right:0;border-top:1px solid var(--color-line);padding:20px 0}.info-card:first-child{border-top:0}}@media (max-width:40rem){.reassurance__item,.reassurance__item+.reassurance__item,.reassurance__item:nth-child(3){border-right:0;border-top:1px solid var(--color-line);padding:12px 0}.reassurance__item:first-child{border-top:0}.rate-flow{grid-template-columns:1fr}.hero:not(.hero--dark),.article-hero,.calc-hero,.info-hero,.search-hero{background-position:right -260px top -120px,0 0}}html.has-motion [data-reveal]:not([data-reveal-state]),html.has-motion [data-reveal-group]:not([data-reveal-state])>*{opacity:0;animation:0s 2.4s forwards reveal-safety}html.has-motion [data-reveal][data-reveal-state=in],html.has-motion [data-reveal-group][data-reveal-state=in]>*{animation:reveal-rise var(--dur-slow) var(--ease-out-expo) both}html.has-motion [data-reveal=fade][data-reveal-state=in]{animation-name:reveal-fade}html.has-motion [data-reveal=scale][data-reveal-state=in]{animation-name:reveal-scale}html.has-motion [data-reveal-group][data-reveal-state=in]>:nth-child(2){animation-delay:calc(var(--reveal-step) * 1)}html.has-motion [data-reveal-group][data-reveal-state=in]>:nth-child(3){animation-delay:calc(var(--reveal-step) * 2)}html.has-motion [data-reveal-group][data-reveal-state=in]>:nth-child(4){animation-delay:calc(var(--reveal-step) * 3)}html.has-motion [data-reveal-group][data-reveal-state=in]>:nth-child(5){animation-delay:calc(var(--reveal-step) * 4)}html.has-motion [data-reveal-group][data-reveal-state=in]>:nth-child(6){animation-delay:calc(var(--reveal-step) * 5)}html.has-motion [data-reveal-group][data-reveal-state=in]>:nth-child(7){animation-delay:calc(var(--reveal-step) * 6)}html.has-motion [data-reveal-group][data-reveal-state=in]>:nth-child(n+8){animation-delay:calc(var(--reveal-step) * 7)}html.has-motion [data-reveal-delay="1"][data-reveal-state=in]{animation-delay:calc(var(--reveal-step) * 1)}html.has-motion [data-reveal-delay="2"][data-reveal-state=in]{animation-delay:calc(var(--reveal-step) * 2)}html.has-motion [data-reveal-delay="3"][data-reveal-state=in]{animation-delay:calc(var(--reveal-step) * 3)}html.has-motion [data-reveal-delay="4"][data-reveal-state=in]{animation-delay:calc(var(--reveal-step) * 4)}html.has-motion [data-reveal-instant][data-reveal-state=in],html.has-motion [data-reveal-instant][data-reveal-state=in]>*{animation:none}@keyframes reveal-safety{to{opacity:1}}@keyframes reveal-rise{0%{opacity:0;transform:translateY(14px)}}@keyframes reveal-fade{0%{opacity:0}}@keyframes reveal-scale{0%{opacity:0;transform:scale(.97)}}@keyframes fade-up{0%{opacity:0;transform:translateY(10px)}}@keyframes draw-line{0%{stroke-dashoffset:var(--draw-length,400)}to{stroke-dashoffset:0}}@keyframes ticker-in{0%{opacity:0;transform:translateY(5px)}}.mono{font-family:var(--font-mono);font-variant-numeric:tabular-nums;letter-spacing:.06em;text-transform:uppercase}.serif-display{font-variation-settings:"opsz" 72}.rate-card__value,.plan-result__main,.plan-result__details dd,.calc-result__primary,.calc-breakdown dd,.growth-card__rows dd,.live-brief__time,.article-meta time{font-variant-numeric:tabular-nums}:is(.goal-card,.tool-card,.guide-card,.calc-card,.category-card,.purpose-card,.doc-card,.legal-card,.mini-tool,.update-card){transition:transform var(--dur-base) var(--ease-out-expo), box-shadow var(--dur-base) var(--ease-out-expo), border-color var(--dur-base) var(--ease-out-expo)}@media (hover:hover){:is(.goal-card,.tool-card,.guide-card,.calc-card,.category-card,.purpose-card,.doc-card,.legal-card,.mini-tool):hover{box-shadow:var(--shadow-card);border-color:var(--accent,#2f6fb7);transform:translateY(-3px)}@supports (color:color-mix(in lab, red, red)){:is(.goal-card,.tool-card,.guide-card,.calc-card,.category-card,.purpose-card,.doc-card,.legal-card,.mini-tool):hover{border-color:color-mix(in srgb, var(--accent,var(--color-blue)) 32%, var(--color-line))}}:is(.button-primary,.button-secondary,.section-link,.goal-card__link,.tool-card__link,.guide-link,.smart-all-results,.market-card__footer a,.plan-card__use,.next-card a,.info-card a)>svg:last-child{transition:translate var(--dur-fast) var(--ease-out-expo)}:is(.button-primary,.button-secondary,.section-link,.goal-card__link,.tool-card__link,.guide-link,.smart-all-results,.market-card__footer a,.plan-card__use,.next-card a,.info-card a):hover>svg:last-child{translate:3px}.button-primary:before{content:"";z-index:-1;transition:transform var(--dur-slow) var(--ease-out-expo);pointer-events:none;background:linear-gradient(115deg,#0000 32%,#ffffff29 50%,#0000 68%);position:absolute;inset:0;transform:translate(-130%)}.button-primary:hover:before{transform:translate(130%)}}.button-primary{isolation:isolate;position:relative;overflow:hidden}.mobile-menu{transition:opacity var(--dur-base) var(--ease-out-expo), translate var(--dur-base) var(--ease-out-expo)}.nav-backdrop{transition:opacity var(--dur-base) var(--ease-out-expo)}@starting-style{.mobile-menu:not([hidden]){opacity:0;translate:0 -10px}.nav-backdrop{opacity:0}}.faq-item{interpolate-size:allow-keywords}.faq-item::details-content{block-size:0;transition:block-size var(--dur-base) var(--ease-out-expo), content-visibility var(--dur-base) allow-discrete;overflow:clip}.faq-item[open]::details-content{block-size:auto}}@layer utilities{.collapse{visibility:collapse}.visible{visibility:visible}.sr-only{clip-path:inset(50%);white-space:nowrap;border-width:0;width:1px;height:1px;margin:-1px;padding:0;position:absolute;overflow:hidden}.absolute{position:absolute}.fixed{position:fixed}.relative{position:relative}.static{position:static}.sticky{position:sticky}.container{width:100%}@media (min-width:22.5rem){.container{max-width:22.5rem}}@media (min-width:40rem){.container{max-width:40rem}}@media (min-width:48rem){.container{max-width:48rem}}@media (min-width:64rem){.container{max-width:64rem}}@media (min-width:67.5rem){.container{max-width:67.5rem}}@media (min-width:73.75rem){.container{max-width:73.75rem}}@media (min-width:96rem){.container{max-width:96rem}}.container-site{width:min(var(--container-site), calc(100% - var(--gutter)));margin-inline:auto}.block{display:block}.contents{display:contents}.flex{display:flex}.grid{display:grid}.hidden{display:none}.inline{display:inline}.table{display:table}.grow{flex-grow:1}.transform{transform:var(--tw-rotate-x, ) var(--tw-rotate-y, ) var(--tw-rotate-z, ) var(--tw-skew-x, ) var(--tw-skew-y, )}.resize{resize:both}.rounded{border-radius:.25rem}.border{border-style:var(--tw-border-style);border-width:1px}.section-y{padding-block:var(--section-y)}.ring{--tw-ring-shadow:var(--tw-ring-inset, ) 0 0 0 calc(1px + var(--tw-ring-offset-width)) var(--tw-ring-color,currentcolor);box-shadow:var(--tw-inset-shadow), var(--tw-inset-ring-shadow), var(--tw-ring-offset-shadow), var(--tw-ring-shadow), var(--tw-shadow)}.filter{filter:var(--tw-blur, ) var(--tw-brightness, ) var(--tw-contrast, ) var(--tw-grayscale, ) var(--tw-hue-rotate, ) var(--tw-invert, ) var(--tw-saturate, ) var(--tw-sepia, ) var(--tw-drop-shadow, )}.transition{transition-property:color,background-color,border-color,outline-color,text-decoration-color,fill,stroke,--tw-gradient-from,--tw-gradient-via,--tw-gradient-to,opacity,box-shadow,transform,translate,scale,rotate,filter,-webkit-backdrop-filter,backdrop-filter,display,content-visibility,overlay,pointer-events;transition-timing-function:var(--tw-ease,var(--default-transition-timing-function));transition-duration:var(--tw-duration,var(--default-transition-duration))}}:root{--header-h:76px;--gutter:30px;--section-y:56px;--dur-fast:.16s;--dur-base:.26s;--dur-slow:.52s;--reveal-step:70ms;--ease-out-expo:cubic-bezier(.16, 1, .3, 1);--ease-soft:cubic-bezier(.65, 0, .35, 1)}@media (max-width:67.5rem){:root{--header-h:68px;--gutter:22px}}@media (max-width:40rem){:root{--header-h:64px;--section-y:44px}}@media (max-width:22.5rem){:root{--gutter:18px}}@property --tw-rotate-x{syntax:"*";inherits:false}@property --tw-rotate-y{syntax:"*";inherits:false}@property --tw-rotate-z{syntax:"*";inherits:false}@property --tw-skew-x{syntax:"*";inherits:false}@property --tw-skew-y{syntax:"*";inherits:false}@property --tw-border-style{syntax:"*";inherits:false;initial-value:solid}@property --tw-shadow{syntax:"*";inherits:false;initial-value:0 0 #0000}@property --tw-shadow-color{syntax:"*";inherits:false}@property --tw-shadow-alpha{syntax:"<percentage>";inherits:false;initial-value:100%}@property --tw-inset-shadow{syntax:"*";inherits:false;initial-value:0 0 #0000}@property --tw-inset-shadow-color{syntax:"*";inherits:false}@property --tw-inset-shadow-alpha{syntax:"<percentage>";inherits:false;initial-value:100%}@property --tw-ring-color{syntax:"*";inherits:false}@property --tw-ring-shadow{syntax:"*";inherits:false;initial-value:0 0 #0000}@property --tw-inset-ring-color{syntax:"*";inherits:false}@property --tw-inset-ring-shadow{syntax:"*";inherits:false;initial-value:0 0 #0000}@property --tw-ring-inset{syntax:"*";inherits:false}@property --tw-ring-offset-width{syntax:"<length>";inherits:false;initial-value:0}@property --tw-ring-offset-color{syntax:"*";inherits:false;initial-value:#fff}@property --tw-ring-offset-shadow{syntax:"*";inherits:false;initial-value:0 0 #0000}@property --tw-blur{syntax:"*";inherits:false}@property --tw-brightness{syntax:"*";inherits:false}@property --tw-contrast{syntax:"*";inherits:false}@property --tw-grayscale{syntax:"*";inherits:false}@property --tw-hue-rotate{syntax:"*";inherits:false}@property --tw-invert{syntax:"*";inherits:false}@property --tw-opacity{syntax:"*";inherits:false}@property --tw-saturate{syntax:"*";inherits:false}@property --tw-sepia{syntax:"*";inherits:false}@property --tw-drop-shadow{syntax:"*";inherits:false}@property --tw-drop-shadow-color{syntax:"*";inherits:false}@property --tw-drop-shadow-alpha{syntax:"<percentage>";inherits:false;initial-value:100%}@property --tw-drop-shadow-size{syntax:"*";inherits:false}@keyframes spin{to{transform:rotate(360deg)}}
