@font-face{font-family:"Public Sans";src:url(/fonts/public-sans-latin-400-normal.woff2) format("woff2");font-weight:400;font-display:swap}
@font-face{font-family:"Public Sans";src:url(/fonts/public-sans-latin-400-italic.woff2) format("woff2");font-weight:400;font-style:italic;font-display:swap}
@font-face{font-family:"Public Sans";src:url(/fonts/public-sans-latin-600-normal.woff2) format("woff2");font-weight:600;font-display:swap}
@font-face{font-family:"Public Sans";src:url(/fonts/public-sans-latin-700-normal.woff2) format("woff2");font-weight:700;font-display:swap}
@font-face{font-family:"Source Serif 4";src:url(/fonts/source-serif-4-latin-600-normal.woff2) format("woff2");font-weight:600;font-display:swap}
@font-face{font-family:"Source Serif 4";src:url(/fonts/source-serif-4-latin-700-normal.woff2) format("woff2");font-weight:700;font-display:swap}

:root{
  --navy:#0E2A47; --navy-2:#173B61; --ink:#14202D; --muted:#566373; --paper:#F5F7FA; --card:#FFFFFF;
  --line:#DAE1E9; --line-2:#C6D0DB; --tint:#EAF0F6;
  --green:#17724F; --green-soft:#E3F2EB; --red:#A93B33; --red-soft:#F8E7E5; --gold:#B8862B;
  --serif:"Source Serif 4",Georgia,"Times New Roman",serif;
  --sans:"Public Sans",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
  --maxw:76rem; --read:44rem; --r:.5rem;
}
@media (prefers-color-scheme: dark){
  :root:not([data-theme="light"]){--navy:#9EC3EA;--navy-2:#B8D3EF;--ink:#E6EBF1;--muted:#A5B1BF;--paper:#0E141B;--card:#151D27;--line:#26313E;--line-2:#34414F;--tint:#18222E;--green:#5CC49A;--green-soft:#15291F;--red:#E58A80;--red-soft:#2E1917;--gold:#E0B25A}
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--paper);color:var(--ink);font:1.0625rem/1.68 var(--sans);font-variant-numeric:tabular-nums}
h1,h2,h3{font-family:var(--serif);color:var(--ink);letter-spacing:-.01em}
h1{font-size:clamp(2rem,4.4vw,3.05rem);line-height:1.1;margin:.2em 0 .4em;font-weight:700}
h2{font-size:1.6rem;line-height:1.22;margin:2.1em 0 .6em;font-weight:700}
h3{font-size:1.2rem;line-height:1.3;margin:1.5em 0 .4em;font-weight:600}
a{color:var(--navy-2);text-underline-offset:.18em}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
img{max-width:100%;height:auto;display:block}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 1.25rem}
.read{max-width:var(--read)}
.skip{position:absolute;left:-999px}.skip:focus{left:1rem;top:1rem;background:var(--card);padding:.5rem;z-index:9}
.muted{color:var(--muted)}

/* Header */
.topbar{background:var(--navy);color:#DCE7F3;font-size:.8rem}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) .topbar{background:#0A2037}}
.topbar .wrap{display:flex;gap:1.25rem;flex-wrap:wrap;padding-top:.4rem;padding-bottom:.4rem}
.topbar span{display:inline-flex;align-items:center;gap:.4rem}
.topbar svg{width:14px;height:14px;flex:none}
header.site{background:var(--card);border-bottom:1px solid var(--line)}
header.site .wrap{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:.75rem;padding-top:.85rem;padding-bottom:.85rem}
.logo{display:flex;align-items:center;gap:.6rem;color:var(--ink);text-decoration:none;font-weight:700;font-size:1.12rem;letter-spacing:-.01em}
.logo .mark{width:2.1rem;height:2.1rem;border-radius:.45rem;background:var(--navy);display:grid;place-items:center;flex:none}
.logo .mark svg{width:1.25rem;height:1.25rem}
.logo .tld{color:var(--muted);font-weight:600}
nav ul{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:1.3rem;font-size:.95rem;font-weight:600}
nav a{color:var(--ink);text-decoration:none}nav a:hover{color:var(--navy-2);text-decoration:underline}
main{padding-top:1.75rem}
.crumbs{font-size:.85rem;color:var(--muted);margin:0 0 .4rem}
.crumbs a{color:var(--muted)}

/* Home hero */
.hero{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.05fr);gap:3rem;align-items:center;padding:1.5rem 0 3rem}
.hero .lede{font-size:1.18rem;color:var(--muted);max-width:32rem}
.assure{list-style:none;padding:0;margin:1.4rem 0 0;display:grid;gap:.55rem;font-size:.95rem}
.assure li{display:flex;gap:.6rem;align-items:flex-start}
.assure svg{width:20px;height:20px;flex:none;margin-top:.15rem;color:var(--green)}
@media (max-width:56rem){.hero{grid-template-columns:1fr;gap:1.5rem;padding-top:.5rem}}

/* Calculator tool */
.tool{background:var(--card);border:1px solid var(--line);border-radius:.75rem;box-shadow:0 1px 2px rgba(14,42,71,.06),0 8px 24px rgba(14,42,71,.06);overflow:hidden}
.tool-head{background:var(--navy);color:#fff;padding:.8rem 1.25rem;display:flex;justify-content:space-between;align-items:center;gap:1rem}
.tool-head h2{color:#fff;font-size:1.1rem;margin:0;font-family:var(--sans);font-weight:700;letter-spacing:0}
.tool-head .priv{font-size:.78rem;color:#C9D8E8;display:inline-flex;gap:.35rem;align-items:center}
.tool-head .priv svg{width:13px;height:13px}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) .tool-head{background:#10304F}}
.tool-body{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:0}
.tool-body.stack{grid-template-columns:1fr}
.inputs{padding:1.25rem;display:grid;gap:.95rem;align-content:start}
.field label{display:block;font-size:.88rem;font-weight:600;margin-bottom:.3rem}
.field .hint{font-size:.78rem;color:var(--muted);margin-top:.25rem}
.box{display:flex;align-items:center;border:1px solid var(--line-2);border-radius:var(--r);background:var(--card);padding:0 .75rem;transition:border-color .15s}
.box:focus-within{border-color:var(--navy-2);box-shadow:0 0 0 3px rgba(23,59,97,.15)}
.box .u{color:var(--muted);font-weight:600}
.box input,.box select{border:0;background:transparent;font:inherit;font-size:1.05rem;padding:.6rem .35rem;width:100%;color:var(--ink);font-variant-numeric:tabular-nums}
.box input:focus,.box select:focus{outline:none}
.seg{display:flex;border:1px solid var(--line-2);border-radius:var(--r);overflow:hidden}
.seg button{flex:1;border:0;background:var(--card);color:var(--ink);font:inherit;font-size:.9rem;font-weight:600;padding:.55rem .5rem;cursor:pointer}
.seg button[aria-pressed="true"]{background:var(--navy);color:#fff}
.err{color:var(--red);font-size:.85rem;min-height:1.1em;margin:0}

/* Statement-style results (signature element) */
.statement{background:var(--tint);border-left:1px solid var(--line);padding:1.25rem 1.35rem;display:flex;flex-direction:column;gap:.9rem}
.tool-body.stack .statement{border-left:0;border-top:1px solid var(--line)}
.statement .lbl{font-size:.8rem;font-weight:700;color:var(--muted);letter-spacing:.02em}
.headline-num{font-family:var(--serif);font-size:clamp(2.2rem,5vw,3rem);font-weight:700;line-height:1;color:var(--navy)}
.headline-sub{font-size:.95rem;color:var(--muted);margin-top:.3rem}
.lines{margin:0;border-top:1px dashed var(--line-2)}
.lines div{display:flex;justify-content:space-between;gap:1rem;padding:.5rem 0;border-bottom:1px dashed var(--line-2);font-size:.95rem}
.lines dt{color:var(--muted)}
.lines dd{margin:0;font-weight:700}
.lines .cost{color:var(--red)}
.lines .save{color:var(--green)}
.callout{font-size:.92rem;border-radius:var(--r);padding:.7rem .85rem;background:var(--card);border:1px solid var(--line)}
.callout.good{border-color:transparent;background:var(--green-soft)}
.callout.bad{border-color:transparent;background:var(--red-soft)}
.spark{width:100%;height:auto}
.spark .area{fill:var(--line)}.spark .ln{fill:none;stroke:var(--navy-2);stroke-width:2.5}
.spark text{font-family:var(--sans);font-size:13px;fill:var(--muted)}
@media (max-width:48rem){.tool-body{grid-template-columns:1fr}.statement{border-left:0;border-top:1px solid var(--line)}}

/* Utilization table rows */
.rows{display:grid;gap:.6rem}
.row{display:grid;grid-template-columns:1fr 1fr auto;gap:.5rem;align-items:end}
.row .x{border:1px solid var(--line-2);background:var(--card);border-radius:var(--r);width:2.6rem;height:2.6rem;cursor:pointer;color:var(--muted);font-size:1.1rem}
.add{justify-self:start;border:1px dashed var(--line-2);background:transparent;border-radius:var(--r);padding:.5rem .8rem;font:inherit;font-weight:600;color:var(--navy-2);cursor:pointer}
.meter{height:.7rem;border-radius:1rem;background:var(--line);overflow:hidden}
.meter i{display:block;height:100%;background:var(--green);border-radius:1rem;transition:width .2s}

/* Sections */
.band{padding:2.5rem 0;border-top:1px solid var(--line)}
.band h2{margin-top:0}
.calc-grid{display:grid;gap:1rem;grid-template-columns:repeat(auto-fill,minmax(min(19rem,100%),1fr))}
.calc-card{display:flex;gap:.9rem;align-items:flex-start;background:var(--card);border:1px solid var(--line);border-radius:.65rem;padding:1.1rem;text-decoration:none;color:var(--ink);transition:border-color .15s}
.calc-card:hover{border-color:var(--navy-2)}
.calc-card .ic{width:2.6rem;height:2.6rem;border-radius:.5rem;background:var(--tint);display:grid;place-items:center;flex:none;color:var(--navy-2)}
.calc-card .ic svg{width:1.35rem;height:1.35rem}
.calc-card h3{font-family:var(--sans);font-size:1.02rem;margin:0 0 .2rem;font-weight:700;letter-spacing:0}
.calc-card p{margin:0;font-size:.9rem;color:var(--muted);line-height:1.5}
.calc-card:hover h3{text-decoration:underline}

.lead{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:2.5rem;align-items:center}
.lead .big{font-family:var(--serif);font-weight:700;color:var(--navy);font-size:clamp(2.8rem,8vw,4.8rem);line-height:1;margin:.2rem 0}
.kind{font-size:.8rem;color:var(--green);font-weight:700;letter-spacing:.02em}
.chart{width:100%;height:auto;font-family:var(--sans)}
.chart .bar{fill:var(--line-2)}.chart .bar.now{fill:var(--navy)}
.chart text{fill:var(--muted);font-size:11px}.chart text.v{fill:var(--ink);font-weight:700}
.chart-cap{font-size:.8rem;color:var(--muted);margin-top:.3rem}
@media (max-width:52rem){.lead{grid-template-columns:1fr;gap:1.25rem}}

.grid{display:grid;gap:1.4rem;grid-template-columns:repeat(auto-fill,minmax(min(19rem,100%),1fr))}
.tile{display:flex;flex-direction:column;background:var(--card);border:1px solid var(--line);border-radius:.65rem;overflow:hidden;text-decoration:none;color:var(--ink)}
.tile img{aspect-ratio:3/2;object-fit:cover;width:100%;background:var(--tint)}
.tile .body{padding:1rem 1.1rem 1.2rem}
.tile h3{margin:.25rem 0 .4rem;font-size:1.12rem}
.tile p{margin:0;color:var(--muted);font-size:.93rem;line-height:1.55}
.tile:hover h3{text-decoration:underline}

.trust{display:grid;gap:1.25rem;grid-template-columns:repeat(auto-fit,minmax(min(14rem,100%),1fr))}
.trust div{border-top:3px solid var(--navy);padding-top:.8rem}
.trust h3{font-family:var(--sans);font-size:1rem;margin:0 0 .3rem;font-weight:700;letter-spacing:0}
.trust p{margin:0;font-size:.93rem;color:var(--muted)}

/* Content pages */
.with-side{display:grid;grid-template-columns:minmax(0,var(--read)) 300px;gap:3rem;justify-content:space-between}
.with-side.wide{grid-template-columns:minmax(0,1fr) 300px}
.side-sticky{position:sticky;top:1.5rem}
@media (max-width:70rem){.with-side,.with-side.wide{display:block}.side{display:none}}
.intro{font-size:1.1rem;color:var(--muted);max-width:var(--read)}
.byline{font-size:.88rem;color:var(--muted);border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:.65rem 0;margin:1rem 0 1.5rem;display:flex;flex-wrap:wrap;gap:.3rem 1.2rem}
.byline b{color:var(--ink);font-weight:600}
.disclosure{font-size:.9rem;background:var(--tint);padding:.9rem 1rem;border-left:4px solid var(--navy);margin:1.5rem 0}
.keypoints{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:1rem 1.25rem;margin:1.5rem 0}
.keypoints h2{margin:0 0 .4rem;font-size:1.15rem}
.formula{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:.9rem 1.1rem;font-size:.98rem;overflow-x:auto;margin:1rem 0}
.formula code{font-family:ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;font-size:.95rem;white-space:nowrap}
.hero-photo{margin:1rem 0 0}
.hero-photo img,.inline-photo img{width:100%;aspect-ratio:2/1;object-fit:cover;border-radius:.5rem;background:var(--tint)}
.hero-photo figcaption,.inline-photo figcaption{font-size:.8rem;color:var(--muted);margin-top:.35rem}
.inline-photo{margin:2rem 0}.inline-photo img{aspect-ratio:16/9}
.tablewrap{overflow-x:auto;margin:1.5rem 0}
table{border-collapse:collapse;width:100%;font-size:.93rem;min-width:30rem}
th,td{text-align:left;padding:.55rem .65rem;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--tint);font-weight:700}
details{border-bottom:1px solid var(--line);padding:.7rem 0}summary{cursor:pointer;font-weight:700}
details p{margin:.5rem 0 0}
.sources{font-size:.92rem;color:var(--muted)}
.related{margin-top:3rem;border-top:1px solid var(--line);padding-top:.5rem}
.verdict{border:2px solid var(--navy);border-radius:.6rem;padding:1.1rem 1.25rem;margin:1.5rem 0;background:var(--card)}
.verdict-label{font-family:var(--serif);font-weight:700;color:var(--navy);margin:0 0 .3rem;font-size:1.1rem}
.verdict p:last-child{margin:0}
.plate{margin:2rem 0;display:grid;grid-template-columns:minmax(0,15rem) 1fr;gap:1.25rem;align-items:start}
@media (max-width:40rem){.plate{grid-template-columns:1fr}.plate .face{max-width:18rem}}
.facts{margin:0;font-size:.95rem}.facts div{display:flex;justify-content:space-between;gap:1rem;border-bottom:1px solid var(--line);padding:.35rem 0}.facts dt{color:var(--muted)}.facts dd{margin:0;text-align:right;font-weight:600}
.face{aspect-ratio:1.586;border-radius:.7rem;color:#F2F5F8;padding:.9rem 1rem;display:flex;flex-direction:column;justify-content:space-between;position:relative;overflow:hidden}
.face::before{content:"";position:absolute;width:2.1rem;height:1.55rem;border-radius:.3rem;right:1rem;top:.9rem;background:linear-gradient(135deg,#E8C774,#B98B2E)}
.face .nm{font-weight:700;font-size:.92rem;line-height:1.2;padding-right:2.8rem}
.face .rate{font-family:var(--serif);font-weight:700;font-size:2rem;line-height:1}
.face .fee{font-size:.8rem;opacity:.85}
.face.c1{background:linear-gradient(150deg,#1D4F7A,#0E2A47)}.face.c2{background:linear-gradient(150deg,#7A2E3B,#461820)}
.face.c3{background:linear-gradient(150deg,#2B6A58,#123A30)}.face.c4{background:linear-gradient(150deg,#6D5320,#3A2B0E)}
.calc{background:var(--tint);border-radius:.6rem;padding:1.25rem 1.4rem;margin:2rem 0}
.calc-note{color:var(--muted);font-size:.92rem;margin:.2rem 0 1rem}
.calc .calc-grid2{display:grid;gap:.8rem;grid-template-columns:repeat(auto-fit,minmax(min(11rem,100%),1fr))}
.calc label{font-size:.88rem;font-weight:600;display:flex;flex-direction:column;gap:.3rem}
.calc label span{display:flex;align-items:center;gap:.3rem;background:var(--card);border:1px solid var(--line-2);border-radius:.4rem;padding:0 .6rem}
.calc input{border:0;background:transparent;font:inherit;font-size:1.05rem;padding:.55rem 0;width:100%;color:var(--ink)}
.calc input:focus{outline:none}.calc label span:focus-within{outline:3px solid var(--gold);outline-offset:1px}
.calc-out{display:grid;grid-template-columns:1fr 1fr;gap:.8rem;margin-top:1rem}
.calc-out div{background:var(--card);border-radius:.5rem;padding:.8rem 1rem}
.calc-out span{display:block;font-size:.85rem;color:var(--muted)}
.calc-out b{font-family:var(--serif);font-size:1.9rem;font-weight:700}
.calc-out small{color:var(--muted);margin-left:.3rem}
.calc-verdict{margin:.9rem 0 0;font-weight:600}

/* Ads: labeled, reserved height, spaced from controls */
.ad{margin:2.5rem auto;clear:both}
.ad-label{display:block;font-size:.7rem;color:var(--muted);letter-spacing:.04em;margin-bottom:.35rem}
.ad-box{display:block;width:100%;background:var(--card);border:1px solid var(--line);border-radius:.4rem;overflow:hidden}
.ad-banner .ad-box{min-height:100px}
.ad-rect .ad-box{min-height:280px}
.ad-side .ad-box{width:300px;min-height:600px}
.side .ad{margin-top:0}
.ad-demo{display:flex;align-items:center;justify-content:center;color:var(--muted);font-size:.85rem;background:repeating-linear-gradient(135deg,var(--card) 0 12px,var(--tint) 12px 24px)}
@media (max-width:40rem){.ad-banner .ad-box{min-height:250px}}

footer.site{margin-top:4rem;background:var(--navy);color:#C9D8E8;padding:2.5rem 0 3rem;font-size:.9rem}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) footer.site{background:#0A1B2D}}
footer.site .cols{display:grid;gap:2rem;grid-template-columns:repeat(auto-fit,minmax(min(13rem,100%),1fr))}
footer.site h3{font-family:var(--sans);color:#fff;font-size:.95rem;margin:0 0 .6rem;letter-spacing:0}
footer.site ul{list-style:none;padding:0;margin:0;display:grid;gap:.4rem}
footer.site a{color:#C9D8E8}
footer.site .legal{border-top:1px solid rgba(255,255,255,.15);margin-top:2rem;padding-top:1.25rem;font-size:.82rem;color:#A9BDD2}

@media (max-width:40rem){
  .topbar .wrap{gap:.8rem}
  header.site .wrap{padding-top:.7rem;padding-bottom:.7rem;gap:.5rem}
  nav ul{gap:1rem;font-size:.9rem}
  main{padding-top:1rem}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;animation:none!important}}
@media (max-width:48rem){
  .inputs{grid-template-columns:1fr 1fr;gap:.8rem .7rem}
  .inputs>.seg,.inputs>.err,.inputs>.rows,.inputs>.add,.inputs>.field:has(select){grid-column:1/-1}
  .field .hint{display:none}
  .topbar span:nth-child(3){display:none}
  .tool-head .priv{display:none}
}

/* Offers table */
.offers{background:var(--card);border:1px solid var(--line);border-radius:.75rem;padding:1.25rem 1.35rem;margin:2rem 0}
.offers-head{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:baseline;gap:.4rem 1rem}
.offers-head h2{margin:0;font-size:1.35rem}
.verified{margin:0;font-size:.85rem;color:var(--green);font-weight:600;display:inline-flex;gap:.35rem;align-items:center}
.verified svg{width:16px;height:16px}
.stale{background:var(--red-soft);color:var(--red);border-radius:var(--r);padding:.6rem .8rem;font-size:.9rem;margin:.8rem 0 0}
.offer-table{min-width:36rem}
.offer-table th[scope=row]{background:transparent;font-weight:400}
.offer-table .card-name{display:block;font-weight:700}
.offer-table .issuer,.offer-table .sub{display:block;font-size:.82rem;color:var(--muted)}
.offer-table td b{color:var(--green)}
.offer-table .acts{white-space:nowrap;text-align:right}
.try{display:inline-block;background:var(--navy);color:#fff;border:0;border-radius:var(--r);padding:.5rem .8rem;font:inherit;font-size:.88rem;font-weight:700;cursor:pointer;text-decoration:none}
.try:hover{background:var(--navy-2)}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) .try{background:#1D4F7A}}
.official{display:block;font-size:.8rem;margin-top:.35rem;color:var(--muted)}
.offers-note{font-size:.82rem;color:var(--muted);margin:.8rem 0 0}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
.applied{font-size:.9rem;font-weight:600;color:var(--green);margin:0}
.tablewrap{position:relative}
.sr{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
@media (max-width:40rem){
  .offers{padding:1rem}
  .offer-table{min-width:0}
  .offer-table thead{display:none}
  .offer-table,.offer-table tbody,.offer-table tr,.offer-table th,.offer-table td{display:block;width:100%}
  .offer-table tr{border:1px solid var(--line);border-radius:var(--r);padding:.75rem .85rem;margin-bottom:.7rem}
  .offer-table th,.offer-table td{border:0;padding:.15rem 0}
  .offer-table .acts{text-align:left;display:flex;align-items:center;gap:1rem;margin-top:.5rem}
  .official{margin-top:0}
}
.ad-reserved{background:var(--tint);border-style:dashed}