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@media(max-width:760px){.home-direction>.section-heading{display:block}.home-direction>.section-heading p{margin-top:.65rem}.direction-grid{grid-template-columns:1fr}.hub-direction article{min-height:auto}.evidence-grid,.source-layout{grid-template-columns:1fr;gap:3rem}.term-grid{grid-template-columns:1fr}.key-takeaways ul,.calculator-fields{grid-template-columns:1fr}.cluster-nav>div{gap:1.1rem}.guide-answer{margin-top:1.2rem!important}}
.matcher-prep{display:grid;grid-template-columns:1fr 1fr;gap:5rem}.matcher-prep h2{margin:0;font:800 1.8rem/1.2 var(--display);letter-spacing:-.035em;color:var(--navy)}.matcher-prep>div>p{color:var(--muted)}
.guide-group-head>div{max-width:760px}.guide-group-head>div>p{margin:.4rem 0 0;font-size:.78rem;line-height:1.55;color:var(--muted)}
@media(max-width:760px){.matcher-prep{grid-template-columns:1fr;gap:3rem}.guide-group-head{display:block}.guide-group-head>a{display:inline-block;margin-top:.7rem}}
.calculator-library-grid{display:grid;grid-template-columns:repeat(2,1fr);border-top:1px solid var(--line-dark);border-left:1px solid var(--line)}
.calculator-library-grid article{position:relative;padding:1.6rem;border-right:1px solid var(--line);border-bottom:1px solid var(--line);background:#fff}
.calculator-library-grid article>span{font-size:.64rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--teal-dark)}
.calculator-library-grid h3{margin:.45rem 0 .65rem;font:750 1.18rem/1.3 var(--display);color:var(--navy)}
.calculator-library-grid p{margin:.35rem 0 1rem;font-size:.8rem;color:var(--muted)}
.calculator-library-grid strong{font-size:.7rem;color:var(--navy)}
@media(max-width:760px){.calculator-library-grid{grid-template-columns:1fr}}
.home-library-grid{display:grid;grid-template-columns:1fr 1fr;gap:1rem}.home-library-group{overflow:hidden;border:1px solid var(--line-dark);border-radius:10px;background:#fff}.home-library-group summary{display:flex;align-items:center;justify-content:space-between;gap:1rem;padding:1.15rem 1.25rem;cursor:pointer;list-style:none;color:var(--navy)}.home-library-group summary::-webkit-details-marker{display:none}.home-library-group summary>span:first-child{display:flex;flex-direction:column}.home-library-group summary strong{font:750 1rem/1.3 var(--display)}.home-library-group summary small{margin-top:.18rem;font-size:.67rem;color:var(--muted)}.library-chevron{display:grid;place-items:center;flex:0 0 auto;width:28px;height:28px;border:1px solid var(--line);border-radius:50%;background:#f5f8f9;color:var(--teal-dark)}.library-chevron svg{width:11px;height:8px;stroke-width:2.2;transition:transform .2s ease}.home-library-group[open] .library-chevron svg{transform:rotate(180deg)}.home-library-links{display:grid;grid-template-columns:1fr 1fr;padding:0 1.25rem 1.2rem}.home-library-links a{padding:.5rem .15rem;border-top:1px solid var(--line);font-size:.7rem;line-height:1.4;color:#43576a}.home-library-links a:hover,.home-library-links a:focus{color:var(--teal-dark);text-decoration:underline;text-underline-offset:3px}.home-library-links .library-primary{font-weight:800;color:var(--navy)}.home-library-tools{display:flex;flex-wrap:wrap;gap:.55rem;margin-top:1.2rem}.home-library-tools a{padding:.5rem .75rem;border:1px solid var(--line-dark);border-radius:999px;background:#fff;font-size:.68rem;font-weight:750;color:var(--navy)}.home-library-tools a:hover,.home-library-tools a:focus{border-color:#9bd7d2;color:var(--teal-dark)}
@media(max-width:760px){.home-library-grid,.home-library-links{grid-template-columns:1fr}.home-library-group summary{padding:1rem}.home-library-links{padding:0 1rem 1rem}}
.related-rail>div{max-height:calc(100vh - 125px);overflow:auto;padding-right:.35rem}
@media(max-width:760px){.related-rail>div{max-height:none;overflow:visible;padding-right:0}}

/* Deep desktop navigation: makes the full editorial library visible at entry. */
/* RIGHT.you decision navigation: product-specific icons, split chevrons and evidence paths. */
.desktop-nav{position:relative}
.desktop-nav>.nav-direct,.desktop-nav>.nav-item>.nav-trigger{display:flex;align-items:center;height:100%;padding:0 .56rem;border-bottom:3px solid transparent;font-size:.71rem;font-weight:780;color:#394b5c;white-space:nowrap}
.nav-item{--menu-accent:#087b75;--menu-soft:#e8f7f5;--menu-ink:#075e59;position:static;height:100%;display:flex;align-items:stretch}.nav-cards{--menu-accent:#d65b43;--menu-soft:#fff0ec;--menu-ink:#943b2a}.nav-insurance{--menu-accent:#3575c5;--menu-soft:#edf4fd;--menu-ink:#245b9d}.nav-banking{--menu-accent:#174d69;--menu-soft:#eaf1f5;--menu-ink:#123e57}.nav-tools{--menu-accent:#087b75;--menu-soft:#edf8f6;--menu-ink:#075e59}
.nav-topic-mark{display:grid;place-items:center;width:18px;height:18px;margin-right:.34rem;color:var(--menu-accent)}.nav-topic-mark svg{width:15px;height:15px;stroke-width:1.65}
.desktop-nav>.nav-item>.nav-trigger .nav-chevron{position:relative;display:grid;place-items:center;width:23px;height:23px;margin-left:.42rem;overflow:hidden;border:1px solid color-mix(in srgb,var(--menu-accent) 22%,#dce4e8);border-radius:8px 8px 11px 11px;background:linear-gradient(145deg,#fff,var(--menu-soft));color:var(--menu-accent);box-shadow:inset 0 1px 0 #fff,0 2px 6px rgba(11,35,66,.05);transition:background-color .18s ease,border-color .18s ease,box-shadow .18s ease,transform .18s ease}
.desktop-nav>.nav-item>.nav-trigger .nav-chevron:before{content:"";position:absolute;top:0;left:50%;width:1px;height:7px;background:color-mix(in srgb,var(--menu-accent) 28%,transparent)}
.desktop-nav>.nav-item>.nav-trigger .nav-chevron svg{position:relative;width:13px;height:10px;stroke-width:1.8;transition:transform .22s ease}.nav-chevron .chevron-left{stroke:var(--menu-accent)}.nav-chevron .chevron-right{stroke:var(--coral)}.nav-chevron circle{fill:var(--navy);stroke:none;transition:transform .22s ease,opacity .22s ease}
.desktop-nav>.nav-item:hover>.nav-trigger .nav-chevron,.desktop-nav>.nav-item:focus-within>.nav-trigger .nav-chevron{border-color:var(--menu-accent);background:var(--menu-soft);box-shadow:0 4px 12px color-mix(in srgb,var(--menu-accent) 18%,transparent);transform:translateY(1px)}
.desktop-nav>.nav-item:hover>.nav-trigger .nav-chevron svg,.desktop-nav>.nav-item:focus-within>.nav-trigger .nav-chevron svg{transform:rotate(180deg)}.desktop-nav>.nav-item:hover>.nav-trigger .nav-chevron circle,.desktop-nav>.nav-item:focus-within>.nav-trigger .nav-chevron circle{opacity:.55;transform:translateY(2px)}
.desktop-nav>.nav-direct:hover,.desktop-nav>.nav-direct[aria-current=page],.desktop-nav>.nav-item:hover>.nav-trigger,.desktop-nav>.nav-item:focus-within>.nav-trigger,.desktop-nav>.nav-item>.nav-trigger[aria-current=page]{color:var(--navy);border-bottom-color:var(--menu-accent)}
.mega-menu{position:absolute;top:calc(100% - 1px);right:0;width:810px;display:none;grid-template-columns:1.08fr .96fr .96fr;overflow:hidden;border:1px solid #cbd8dd;border-top:0;border-radius:0 0 16px 16px;background:#fff;box-shadow:0 26px 65px rgba(5,28,52,.2),0 7px 18px rgba(5,28,52,.08);z-index:250;isolation:isolate}
.mega-menu:before{content:"";position:absolute;inset:0 0 auto;height:4px;background:linear-gradient(90deg,var(--menu-accent) 0 30%,var(--coral) 30% 35%,var(--navy) 35% 100%);z-index:3}.mega-menu:after{content:"";position:absolute;right:-70px;bottom:-95px;width:250px;height:250px;border:1px solid color-mix(in srgb,var(--menu-accent) 12%,transparent);border-radius:50%;box-shadow:0 0 0 34px color-mix(in srgb,var(--menu-accent) 4%,transparent),0 0 0 68px color-mix(in srgb,var(--menu-accent) 3%,transparent);pointer-events:none;z-index:-1}
.nav-item:hover>.mega-menu,.nav-item:focus-within>.mega-menu{display:grid;animation:menu-reveal .18s ease-out both}@keyframes menu-reveal{from{opacity:0;transform:translateY(-7px)}to{opacity:1;transform:none}}
.mega-menu-right{right:0}.compact-menu{width:780px}
.mega-intro{position:relative;display:flex;flex-direction:column;min-height:305px;padding:1.6rem 1.55rem 1.35rem;overflow:hidden;border-right:1px solid rgba(255,255,255,.11);background:linear-gradient(150deg,var(--navy) 0%,#123655 72%,color-mix(in srgb,var(--menu-accent) 50%,#123655));color:#fff}
.mega-intro:after{content:"";position:absolute;right:-46px;top:-46px;width:150px;height:150px;border:1px solid rgba(255,255,255,.12);border-radius:50%;box-shadow:0 0 0 24px rgba(255,255,255,.035),0 0 0 48px rgba(255,255,255,.025)}
.mega-symbol{position:relative;z-index:1;display:grid;place-items:center;width:54px;height:54px;border:1px solid color-mix(in srgb,var(--menu-accent) 55%,#fff);border-radius:15px 15px 21px 15px;background:color-mix(in srgb,var(--menu-accent) 25%,#fff);color:#fff;box-shadow:0 9px 24px rgba(0,0,0,.14)}.mega-symbol svg{width:30px;height:30px;stroke-width:1.55}
.mega-intro .eyebrow,.mega-column>p{margin:.9rem 0 .35rem;font-size:.58rem;font-weight:850;letter-spacing:.13em;text-transform:uppercase}.mega-intro .eyebrow{color:#86e2da}.nav-cards .mega-intro .eyebrow{color:#ffc0b3}.nav-insurance .mega-intro .eyebrow{color:#b9d7ff}.nav-banking .mega-intro .eyebrow{color:#b9d7df}
.mega-intro>strong{position:relative;z-index:1;display:block;max-width:260px;font:760 1.05rem/1.38 var(--display);letter-spacing:-.018em;color:#fff}
.mega-decision-path{position:relative;z-index:1;display:grid;grid-template-columns:auto 1fr auto 1fr auto;align-items:center;gap:.38rem;margin:1rem 0 .9rem}.mega-decision-path span{font-size:.55rem;font-weight:800;letter-spacing:.04em;color:#e8f2f6}.mega-decision-path i{height:2px;background:linear-gradient(90deg,var(--menu-accent),var(--coral));opacity:.9}
.mega-intro>a{position:relative;z-index:1;display:flex;align-items:center;justify-content:space-between;gap:.7rem;margin-top:auto;padding:.65rem .75rem;border:1px solid rgba(255,255,255,.18);border-radius:8px;background:rgba(255,255,255,.07);font-size:.66rem;font-weight:800;color:#fff;text-decoration:none}.mega-intro>a b{font-size:1rem;color:#82ddd5;transition:transform .18s ease}.mega-intro>a:hover,.mega-intro>a:focus{border-color:color-mix(in srgb,var(--menu-accent) 60%,#fff);background:rgba(255,255,255,.12)}.mega-intro>a:hover b,.mega-intro>a:focus b{transform:translateX(3px)}
.mega-column{position:relative;padding:1.45rem 1.15rem;background:linear-gradient(180deg,#fff,#fbfcfc)}.mega-column+.mega-column{border-left:1px solid var(--line)}.mega-column>p{display:flex;align-items:center;gap:.55rem;margin:.05rem .35rem .7rem;color:var(--menu-ink)}.mega-column>p:after{content:"";height:1px;flex:1;background:color-mix(in srgb,var(--menu-accent) 28%,var(--line))}
.mega-column>a{display:grid!important;grid-template-columns:1fr;grid-template-rows:auto auto;align-content:center;min-height:67px;padding:.65rem .35rem!important;border:0!important;border-top:1px solid var(--line)!important;border-radius:0!important;white-space:normal!important;transition:background-color .16s ease,padding-left .16s ease}
.mega-column>a:hover,.mega-column>a:focus{padding-left:.55rem!important;background:var(--menu-soft);color:var(--navy);outline-offset:-2px}.mega-column strong,.mega-column small{display:block;grid-column:2}.mega-column strong{font-size:.73rem;line-height:1.35;color:var(--navy)}.mega-column small{margin-top:.12rem;font-size:.62rem;font-weight:500;line-height:1.4;color:var(--muted)}
@media(max-width:1180px){.desktop-nav>.nav-direct,.desktop-nav>.nav-item>.nav-trigger{padding-inline:.4rem;font-size:.68rem}.nav-topic-mark{display:none}.mega-menu{right:0;width:760px}.compact-menu{width:740px}}
@media(max-width:1080px){.mega-menu{display:none}}
/* Editorial visualization system shared by every authored guide. */
.article-kicker{display:inline-block;margin-bottom:.75rem;font-size:.66rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--teal-dark)}
.visual-summary{margin-bottom:2.6rem;padding:1.4rem;border:1px solid #b8ddd9;border-radius:12px;background:linear-gradient(145deg,#f4fbfa,#fff)}
.visual-summary-head,.tool-heading{display:flex;align-items:center;gap:.85rem}
.visual-summary-head>div>p,.tool-heading>div>p{margin:0 0 .12rem;font-size:.62rem;font-weight:850;letter-spacing:.1em;text-transform:uppercase;color:var(--teal-dark)}.bottom-line>div>p{margin:0 0 .12rem;font-size:.62rem;font-weight:850;letter-spacing:.1em;text-transform:uppercase;color:#75e2da}
.article-body .visual-summary-head h2,.article-body .tool-heading h2,.article-body .bottom-line h2{margin:0;padding:0;font-size:1.2rem}
.section-icon{flex:0 0 auto;display:grid;place-items:center;width:42px;height:42px;border-radius:10px;background:var(--navy);color:#fff}
.section-icon svg{width:22px;height:22px}
.takeaway-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:.7rem;margin:1.2rem 0 0!important;padding:0!important;list-style:none}
.article-body .takeaway-cards li{min-width:0;margin:0;padding:1rem;border:1px solid var(--line);border-top:3px solid var(--teal);border-radius:7px;background:#fff}
.takeaway-cards li:nth-child(2){border-top-color:var(--coral)}.takeaway-cards li:nth-child(3){border-top-color:var(--blue)}
.takeaway-cards li>span{display:grid;place-items:center;width:31px;height:31px;margin-bottom:.65rem;border-radius:50%;background:var(--teal-pale);font-size:.9rem;font-weight:800;color:var(--teal-dark)}
.takeaway-cards li:nth-child(2)>span{background:var(--coral-pale);color:#a6422f}.takeaway-cards li:nth-child(3)>span{background:var(--blue-pale);color:var(--blue)}
.takeaway-cards small,.takeaway-cards strong{display:block}.takeaway-cards small{font-size:.58rem;font-weight:800;letter-spacing:.06em;text-transform:uppercase;color:var(--muted)}.takeaway-cards strong{margin-top:.28rem;font-size:.77rem;line-height:1.4;color:var(--navy)}
.summary-table-wrap{margin-top:1.1rem;overflow-x:auto}.article-body .article-summary-table{margin:0;background:#fff}.article-summary-table caption{padding:.7rem;text-align:left;font-size:.65rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--navy)}
.guide-summary{margin-bottom:2.8rem;padding:1.45rem;border:1px solid var(--line-dark);border-radius:12px;background:#fff}.guide-summary-head>p{margin:0 0 .2rem;font-size:.61rem;font-weight:850;letter-spacing:.1em;text-transform:uppercase;color:var(--teal-dark)}.article-body .guide-summary-head h2{margin:0;padding:0;font-size:1.35rem}.guide-summary-comparison{border-top:4px solid var(--teal);background:linear-gradient(145deg,#f3fbfa,#fff)}.summary-comparison{display:grid;grid-template-columns:repeat(3,1fr);gap:0;margin-top:1.2rem;border:1px solid var(--line)}.summary-comparison article{padding:1rem}.summary-comparison article+article{border-left:1px solid var(--line)}.summary-comparison small,.summary-comparison h3{display:block}.summary-comparison small{font-size:.58rem;font-weight:850;letter-spacing:.07em;text-transform:uppercase;color:var(--teal-dark)}.article-body .summary-comparison h3{margin:.35rem 0 0;font-size:.82rem;line-height:1.42}.guide-summary-calculation{border-color:#b8ddd9;background:var(--teal-pale)}.summary-calculation{display:grid;gap:.55rem;margin:1.1rem 0 0!important;padding:0!important;list-style:none;counter-reset:calculation-step}.article-body .summary-calculation li{display:grid;grid-template-columns:34px 120px 1fr;align-items:center;gap:.75rem;margin:0;padding:.65rem .8rem;border-radius:7px;background:#fff;counter-increment:calculation-step}.summary-calculation li:before{content:counter(calculation-step);display:grid;place-items:center;width:28px;height:28px;border-radius:50%;background:var(--navy);font-size:.65rem;font-weight:850;color:#fff}.summary-calculation span{font-size:.58rem;font-weight:850;letter-spacing:.06em;text-transform:uppercase;color:var(--teal-dark)}.article-body .summary-calculation h3{margin:0;font-size:.78rem;line-height:1.4;color:var(--navy)}.guide-summary-explainer{border-left:5px solid var(--blue);background:var(--blue-pale)}.summary-explainer{display:grid;grid-template-columns:repeat(3,1fr);gap:.7rem;margin:1.1rem 0 0}.summary-explainer>div{padding:.9rem;border-radius:7px;background:#fff}.summary-explainer dt{font-size:.6rem;font-weight:850;letter-spacing:.07em;text-transform:uppercase;color:var(--blue)}.summary-explainer dd{margin:.3rem 0 0;line-height:1.45}.article-body .summary-explainer h3{margin:0;font-size:.77rem;color:var(--navy)}.guide-summary-timeline{overflow:hidden;border:0;background:var(--navy);color:#fff}.guide-summary-timeline .guide-summary-head>p{color:#75e2da}.article-body .guide-summary-timeline .guide-summary-head h2{color:#fff}.summary-timeline{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;margin:1.2rem 0 0!important;padding:0!important;background:rgba(255,255,255,.2);list-style:none;counter-reset:timeline-step}.article-body .summary-timeline li{position:relative;margin:0;padding:1rem;background:var(--navy-2);counter-increment:timeline-step}.summary-timeline li:before{content:counter(timeline-step);display:block;margin-bottom:.45rem;font:800 1.4rem var(--display);color:#75e2da}.summary-timeline small{display:block;font-size:.58rem;font-weight:850;letter-spacing:.07em;text-transform:uppercase;color:#a9bac8}.article-body .summary-timeline h3{margin:.25rem 0 0;font-size:.77rem;line-height:1.42;color:#fff}.guide-summary-response{border-color:#f1b2a5;background:var(--coral-pale)}.guide-summary-risk{border-color:#bdcbe0;background:#f2f6fb}.guide-summary-checklist{background:#f7f9fa}.guide-summary-process{border-color:#b8ddd9}.summary-action-list{display:grid;grid-template-columns:repeat(3,1fr);gap:.65rem;margin:1.1rem 0 0!important;padding:0!important;list-style:none}.article-body .summary-action-list li{display:flex;gap:.65rem;margin:0;padding:.9rem;border:1px solid var(--line);border-radius:7px;background:#fff}.summary-action-list li>span{display:grid;place-items:center;flex:0 0 auto;width:28px;height:28px;border-radius:50%;background:var(--teal-pale);font-weight:850;color:var(--teal-dark)}.guide-summary-response .summary-action-list li>span{background:var(--coral-pale);color:#a84330}.guide-summary-risk .summary-action-list li>span{background:var(--blue-pale);color:var(--blue)}.summary-action-list small{display:block;font-size:.57rem;font-weight:850;letter-spacing:.06em;text-transform:uppercase;color:var(--muted)}.article-body .summary-action-list h3{margin:.2rem 0 0;font-size:.75rem;line-height:1.4;color:var(--navy)}
.guide-section-grid{display:grid;gap:1rem;margin:2.7rem 0}.guide-section-grid>section{padding:1.25rem;border:1px solid var(--line);border-radius:9px}.article-body .guide-section-grid h2{margin:.3rem 0 .6rem;padding:0;font-size:1.28rem}.guide-section-grid section>p:last-child{margin-bottom:0}.guide-module-label{display:block;font-size:.58rem;font-weight:850;letter-spacing:.08em;text-transform:uppercase;color:var(--teal-dark)}.guide-section-grid.comparison{grid-template-columns:1fr 1fr}.guide-section-grid.comparison>section:first-child{grid-column:1/-1;background:var(--teal-pale);border-color:#b8ddd9}.guide-section-grid.calculation>section{border-left:4px solid var(--teal)}.guide-section-grid.calculation>section:nth-child(2){border-left-color:var(--coral)}.guide-section-grid.calculation>section:nth-child(3){border-left-color:var(--blue)}.guide-section-grid.checklist{grid-template-columns:repeat(3,1fr)}.guide-section-grid.checklist>section{border-top:4px solid var(--navy)}.guide-section-grid.explainer>section{border:0;border-left:4px solid var(--blue);border-radius:0;background:var(--blue-pale)}.guide-section-grid.risk{grid-template-columns:1fr 1fr}.guide-section-grid.risk>section:first-child{grid-column:1/-1;background:#f2f6fb}.guide-section-grid.risk>section:nth-child(2){border-color:#f1b2a5;background:var(--coral-pale)}.guide-section-flow{margin:2.8rem 0!important;padding:0!important;list-style:none;counter-reset:guide-flow}.article-body .guide-section-flow>li{position:relative;margin:0;padding:0 0 2rem 4rem;counter-increment:guide-flow}.article-body .guide-section-flow>li:last-child{padding-bottom:0}.guide-section-flow>li:before{content:counter(guide-flow);position:absolute;left:0;top:.05rem;display:grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--navy);font-size:.75rem;font-weight:850;color:#fff}.guide-section-flow>li:not(:last-child):after{content:"";position:absolute;left:18px;top:42px;bottom:4px;width:2px;background:var(--line-dark)}.article-body .guide-section-flow h2{margin:.25rem 0 .55rem;padding:0;font-size:1.35rem}.guide-section-flow.timeline>li:before{background:var(--teal-dark)}.guide-section-flow.response>li:before{background:var(--coral);color:var(--navy)}.guide-support{margin:2.7rem 0;padding:1.35rem;border-radius:10px;background:#f7f9fa}.article-body .guide-support>h2{margin:0 0 .9rem;padding:0;font-size:1.35rem}.guide-checks{display:grid;grid-template-columns:1fr 1fr;gap:.55rem 1.2rem;margin:.8rem 0!important;padding-left:1.3rem!important}.article-body .guide-checks li{margin:0}.guide-record{margin-top:1.2rem;padding-top:1rem;border-top:1px solid var(--line-dark)}.article-body .guide-record h3{margin:0}.guide-record p{margin:.45rem 0 0}.guide-support.comparison{background:var(--teal-pale)}.guide-support.calculation{border:1px solid #b8ddd9;background:#fff}.guide-support.response{background:var(--coral-pale)}.guide-support.explainer{background:var(--blue-pale)}.guide-support.risk{border-left:5px solid var(--blue);background:#f2f6fb}.worksheet-comparison{background:#f3fbfa}.worksheet-calculation{border-color:#b8ddd9}.worksheet-response{border-color:#f1b2a5;background:var(--coral-pale)}.worksheet-timeline{border-color:var(--navy);background:#f2f6fb}.worksheet-explainer{border-color:#bfd3ef;background:var(--blue-pale)}.worksheet-risk{border-color:#bdcbe0;background:#f2f6fb}
.article-rail .print-guide{display:block;margin-top:.75rem;padding:.55rem .65rem;border:1px solid var(--line);border-radius:5px;font-weight:750;color:var(--teal-dark)}
.decision-worksheet{margin:3rem 0;padding:1.5rem;border:1px solid var(--line-dark);border-radius:12px;background:#f7f9fa}
.decision-worksheet>p{color:var(--muted);font-size:.82rem}.decision-form{margin-top:1.2rem}.worksheet-fields{display:grid;grid-template-columns:1fr 1fr;gap:.75rem}
.decision-form>label,.worksheet-fields label{display:flex;flex-direction:column;gap:.32rem;margin-top:.8rem;font-size:.7rem;font-weight:800;color:var(--navy)}
.decision-form input[type=text],.decision-form textarea{width:100%;padding:.72rem;border:1px solid var(--line-dark);border-radius:5px;background:#fff;color:var(--ink);resize:vertical}
.decision-form input:focus,.decision-form textarea:focus{outline:3px solid rgba(10,168,158,.2);border-color:var(--teal-dark)}
.decision-form fieldset{margin:1rem 0 0;padding:1rem;border:1px solid var(--line);border-radius:7px;background:#fff}.decision-form legend{padding:0 .35rem;font-size:.68rem;font-weight:850;color:var(--navy)}
.worksheet-check{display:flex;align-items:flex-start;gap:.55rem;padding:.4rem 0;font-size:.75rem;font-weight:600;color:#35495b}.worksheet-check input{margin-top:.28rem;accent-color:var(--teal-dark)}
.worksheet-actions{display:flex;gap:.65rem;flex-wrap:wrap;margin-top:1rem}
.bottom-line{display:grid;grid-template-columns:42px 1fr;gap:1rem;margin:3rem 0 0;padding:1.35rem;border-radius:10px;background:var(--navy);color:#d8e4ec}.bottom-line .section-icon{background:var(--teal-dark)}.article-body .bottom-line h2{color:#fff}.bottom-line>div>p:not(:first-child){margin:.55rem 0;color:#c2d1dc}.bottom-line a{font-size:.75rem;font-weight:800;color:#75e2da;text-decoration:underline}
.contextual-bridge{margin:2.4rem 0;padding:1.15rem 1.25rem;border-left:4px solid var(--teal);background:#f3f8f8;font-size:.84rem;line-height:1.65;color:#3a4d5d}.contextual-bridge strong{color:var(--navy)}
.plain-tip{margin:1.4rem 0;padding:1.1rem 1.2rem;border:1px solid #b8ddd9;border-radius:8px;background:var(--teal-pale)}.plain-tip>strong{display:block;font:700 .78rem var(--display);color:var(--teal-dark)}.plain-tip p{margin:.45rem 0 0}.plain-tip ul{margin:.65rem 0;padding-left:1.1rem}.plain-tip li{margin:.28rem 0}.plain-tip em{color:#415868}

@media(max-width:760px){.visual-summary{padding:1rem}.takeaway-cards,.worksheet-fields{grid-template-columns:1fr}.article-body .takeaway-cards li{display:grid;grid-template-columns:34px 1fr;column-gap:.7rem}.takeaway-cards li>span{grid-row:1/3;margin:0}.summary-table-wrap{margin-inline:-1rem}.decision-worksheet{padding:1rem}.bottom-line{grid-template-columns:1fr}.bottom-line .section-icon{margin-bottom:.2rem}}
@media(max-width:760px){.guide-summary{padding:1rem}.summary-comparison,.summary-explainer,.summary-timeline,.summary-action-list,.guide-section-grid.comparison,.guide-section-grid.checklist,.guide-section-grid.risk,.guide-checks{grid-template-columns:1fr}.summary-comparison article+article{border-left:0;border-top:1px solid var(--line)}.article-body .summary-calculation li{grid-template-columns:30px 1fr}.summary-calculation h3{grid-column:2}.summary-timeline{gap:1px}.guide-section-grid.comparison>section:first-child,.guide-section-grid.risk>section:first-child{grid-column:auto}.guide-section-flow{margin-block:2.2rem!important}.article-body .guide-section-flow>li{padding-left:3.2rem}.guide-section-grid{margin-block:2.2rem}.guide-support{padding:1rem}}

@media print{.site-header,.mobile-menu,.breadcrumbs,.article-rail,.related-rail,.site-footer,.article-header,.visual-summary,.guide-summary,.article-body>h2,.article-body>h3,.article-body>p,.article-body>ul,.article-body>ol,.article-body>table,.article-body>.insight,.article-body>.formula,.calculator,.bottom-line,.review-note{display:none!important}.article-shell,.article-layout,.article-body{display:block!important;width:100%!important;margin:0!important}.decision-worksheet{display:block!important;margin:0!important;border:0!important;background:#fff!important}.decision-worksheet .worksheet-actions{display:none!important}.decision-form input,.decision-form textarea{border:1px solid #777!important}.decision-form fieldset{break-inside:avoid}}

/* Keyboard focus and reduced-motion behavior are part of the accessibility baseline. */
:where(a,button,input,textarea,select):focus-visible{outline:3px solid #0a7f79;outline-offset:3px}
.mobile-search input:focus-visible{outline:2px solid #75e2da;outline-offset:1px}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{scroll-behavior:auto!important;transition-duration:.01ms!important;animation-duration:.01ms!important;animation-iteration-count:1!important}}

/* Matcher progress uses classes so the CSP does not need inline styles. */
.progress i.step-2{width:66.7%}.progress i.step-3{width:100%}

/* Purpose-built matcher workbenches. Each product uses its own decision model. */
.matcher-shell{width:min(1180px,calc(100% - 40px));margin:2.5rem auto 6rem}
.matcher-intro{display:grid;grid-template-columns:minmax(0,1.08fr) minmax(320px,.92fr);gap:clamp(2rem,5vw,5rem);align-items:center;margin-bottom:3.5rem}
.matcher-intro>header{text-align:left;max-width:690px;margin:0}
.matcher-intro h1{margin:.55rem 0 .9rem;font:800 clamp(2.35rem,5vw,4.5rem)/1.02 var(--display);letter-spacing:-.055em;color:var(--navy)}
.matcher-kicker,.matcher-workbench-head>span,.result-label{display:block;font-size:.62rem;font-weight:850;letter-spacing:.12em;text-transform:uppercase;color:var(--teal-dark)}
.matcher-intro .answer-summary{font-size:1rem;line-height:1.65;color:#405568}
.matcher-intro .privacy-note{margin-top:.65rem;border:1px solid #c6e4e1;background:#f3fbfa}
.matcher-model{min-height:330px;border-radius:18px;overflow:hidden;box-shadow:0 22px 55px rgba(6,32,57,.12)}
.matcher-model>div{min-height:330px;padding:2rem}
.mortgage-model{position:relative;display:flex;flex-direction:column;justify-content:flex-end;background:#f2eadc;color:var(--navy)}
.mortgage-model:before,.mortgage-model:after{content:"";position:absolute;left:50%;transform:translateX(-50%)}
.mortgage-model:before{top:42px;width:210px;height:125px;border:8px solid #0c3c50;border-top:0;background:#fff8eb}
.mortgage-model:after{top:14px;width:150px;height:150px;border:8px solid #0c3c50;border-right:0;border-bottom:0;transform:translateX(-50%) rotate(45deg)}
.mortgage-model .model-roof{position:absolute;z-index:1;top:91px;left:50%;width:40px;height:76px;transform:translateX(-50%);border:7px solid #0c3c50;border-bottom:0;background:#e16750}
.mortgage-model>strong,.insurance-model>strong,.account-model>strong{position:relative;z-index:2;font:750 1.2rem/1.3 var(--display)}
.mortgage-model>div{position:relative;z-index:2;display:grid;grid-template-columns:repeat(3,1fr);gap:.5rem;margin-top:.75rem}.mortgage-model>div span{padding:.55rem;text-align:center;border-radius:5px;background:var(--navy);font-size:.65rem;font-weight:800;color:#fff}.mortgage-model p,.card-model p,.account-model p{position:relative;z-index:2;margin:.8rem 0 0;font-size:.72rem;line-height:1.5}
.card-model{position:relative;background:linear-gradient(145deg,#0b2342,#173e61);color:#fff}.model-chip{display:block;width:58px;height:44px;margin:1rem 0 2.2rem;border:2px solid #e9b96e;border-radius:8px;background:linear-gradient(90deg,transparent 30%,#e9b96e 31%,#e9b96e 35%,transparent 36%,transparent 64%,#e9b96e 65%,#e9b96e 69%,transparent 70%)}.card-model ol{display:flex;gap:.55rem;margin:.7rem 0;padding:0;list-style:none}.card-model li{flex:1;padding:.7rem .5rem;border-top:3px solid var(--coral);background:rgba(255,255,255,.08);font-size:.7rem;font-weight:750}
.insurance-model{position:relative;display:grid;grid-template-columns:1fr 1.25fr;align-items:center;background:#eaf2fb;color:var(--navy)}.risk-rings{position:relative;width:160px;height:160px}.risk-rings span{position:absolute;border:2px solid #1d65ad;border-radius:50%;inset:0}.risk-rings span:nth-child(2){inset:27px;border-width:7px;border-color:#5f92ca}.risk-rings span:nth-child(3){inset:61px;border:0;background:var(--coral)}.insurance-model>strong{grid-column:2}.insurance-model ul{grid-column:2;margin:.8rem 0 0;padding:0;list-style:none}.insurance-model li{padding:.5rem 0;border-top:1px solid #bacce0;font-size:.7rem;font-weight:750}
.account-model{display:flex;flex-direction:column;justify-content:center;background:linear-gradient(145deg,#ddf5f1,#f7fcfb);color:var(--navy)}.money-flow{display:grid;grid-template-columns:1fr auto 1fr auto 1.3fr;align-items:center;gap:.45rem;margin:1.6rem 0 .5rem}.money-flow span{padding:.8rem .45rem;border:1px solid #acd9d4;border-radius:8px;background:#fff;text-align:center;font-size:.65rem;font-weight:800}.money-flow span:nth-of-type(2){border-color:var(--teal-dark);background:var(--teal-dark);color:#fff}.money-flow i{font-style:normal;color:var(--teal-dark)}
.matcher-workbench{width:min(900px,100%);margin:0 auto}.matcher-workbench-head{text-align:center;max-width:690px;margin:0 auto 1.3rem}.matcher-workbench-head h2{margin:.35rem 0 .45rem;font:800 clamp(1.65rem,3vw,2.35rem)/1.15 var(--display);color:var(--navy)}.matcher-workbench-head p{margin:0;color:var(--muted)}
.matcher-card{overflow:hidden;border:1px solid var(--line-dark);border-radius:14px;box-shadow:0 16px 45px rgba(6,32,57,.08)}
.matcher-card .progress{padding:0;border-bottom:1px solid var(--line);background:#f8fafb}.stage-track{display:grid;grid-template-columns:repeat(3,1fr)}.stage-track span{padding:.72rem 1rem;border-bottom:3px solid transparent;text-align:center;font-size:.61rem;font-weight:800;color:#84909a}.stage-track span.active{border-bottom-color:var(--teal-dark);background:#fff;color:var(--navy)}.stage-track span.complete{border-bottom-color:#95d7d1;color:var(--teal-dark)}.progress-status{display:flex;align-items:center;gap:1rem;padding:.75rem 1.5rem}.progress-status>span{white-space:nowrap}.progress-status>div{width:100%;height:4px;margin:0;background:#e5ecee}.progress-status i{display:block;width:33.3%;height:100%;background:var(--teal);transition:width .2s}
.matcher-card form{padding:clamp(1.4rem,4vw,2.6rem)}.match-step legend{margin:0 0 .4rem;font:750 clamp(1.25rem,3vw,1.6rem)/1.3 var(--display);color:var(--navy)}.question-help{margin:0 0 1.35rem;font-size:.76rem;color:var(--muted)}.option-grid span{position:relative;min-height:64px;padding:1rem 1rem 1rem 2.8rem;border-radius:8px;background:#fff;line-height:1.4}.option-grid span i{position:absolute;left:1rem;top:50%;width:17px;height:17px;transform:translateY(-50%);border:2px solid #9aabb6;border-radius:50%}.option-grid input:checked+span i{border:5px solid var(--teal-dark);background:#fff}.matcher-card .match-result{padding:clamp(1.4rem,4vw,2.6rem)}.matcher-card .match-result>h2{margin:.35rem 0 1.2rem}.result-profile{border-left:0;border-radius:8px;background:var(--teal-pale)}.result-profile h3{font-size:1.35rem}.result-checklist{padding:1rem;border:1px solid var(--line);border-radius:8px}.result-checklist h3{margin:0 0 .7rem;font:750 1rem var(--display);color:var(--navy)}.result-checklist ul{margin:0;padding-left:1.15rem}.result-actions{flex-wrap:wrap}
.loan-evidence-strip{display:grid;grid-template-columns:1fr 1fr;gap:1px;margin:1rem 0;background:var(--line)}.loan-evidence-strip section{padding:1rem;background:#fff8eb}.loan-evidence-strip span,.card-countercase span,.coverage-fallback span,.account-fallback span{font-size:.58rem;font-weight:850;letter-spacing:.08em;text-transform:uppercase;color:var(--teal-dark)}.loan-evidence-strip p,.card-countercase p,.coverage-fallback p,.account-fallback p{margin:.35rem 0 0;font-size:.76rem}
.card-priority-order{display:grid;grid-template-columns:repeat(3,1fr);gap:.55rem;margin:1rem 0;padding:0;list-style:none;counter-reset:priority}.card-priority-order li{padding:1rem;border-radius:8px;background:var(--navy);font-size:.72rem;font-weight:750;color:#fff;counter-increment:priority}.card-priority-order li:before{content:counter(priority);display:block;margin-bottom:.45rem;font:800 1.25rem var(--display);color:#71d7ce}.card-countercase{padding:1rem;border-left:4px solid var(--coral);background:var(--coral-pale)}
.coverage-layer-list{display:grid;grid-template-columns:repeat(3,1fr);gap:0;margin:1rem 0;padding:0;list-style:none;counter-reset:coverage}.coverage-layer-list li{position:relative;padding:1rem 1rem 1rem 2.5rem;border:1px solid #bfd0e3;background:#f1f6fb;font-size:.72rem;font-weight:750;counter-increment:coverage}.coverage-layer-list li+li{border-left:0}.coverage-layer-list li:before{content:counter(coverage);position:absolute;left:.8rem;top:.8rem;display:grid;place-items:center;width:22px;height:22px;border-radius:50%;background:#1d65ad;color:#fff}.coverage-fallback{padding:1rem;border-radius:8px;background:#eaf2fb}
.money-route-list{display:flex;align-items:stretch;gap:1.6rem;margin:1rem 0;padding:0;list-style:none;counter-reset:route}.money-route-list li{position:relative;display:grid;place-items:center;flex:1;min-height:70px;padding:.8rem;border:1px solid #a7d8d3;border-radius:8px;background:#f2fbfa;text-align:center;font-size:.72rem;font-weight:750;counter-increment:route}.money-route-list li:not(:last-child):after{content:"→";position:absolute;right:-1.2rem;color:var(--teal-dark)}.account-fallback{padding:1rem;border-top:3px solid var(--teal-dark);background:#f3f8f8}
.matcher-card{--matcher-accent:#087a73}.matcher-kind-card .matcher-card{--matcher-accent:#9b402f}.matcher-kind-insurance .matcher-card{--matcher-accent:#1d65ad}.matcher-kind-account .matcher-card{--matcher-accent:#0b4762}.matcher-card input:checked+span{border-color:var(--matcher-accent);background:color-mix(in srgb,var(--matcher-accent) 8%,white);color:var(--navy)}
.matcher-card input:checked+span i{border-color:var(--matcher-accent);background:#fff}.matcher-card input:focus-visible+span{outline-color:color-mix(in srgb,var(--matcher-accent) 26%,transparent)}
.matcher-card .progress-status i{background:var(--matcher-accent)}.matcher-card .stage-track span.active,.matcher-card .stage-track span.complete{border-bottom-color:var(--matcher-accent)}.matcher-card .stage-track span.complete{background:color-mix(in srgb,var(--matcher-accent) 6%,white);color:var(--matcher-accent)}
.matcher-card .result-label{color:var(--matcher-accent)}.matcher-card .result-profile{border-top:4px solid var(--matcher-accent);background:color-mix(in srgb,var(--matcher-accent) 8%,white)}
.matcher-card .button.primary{border-color:var(--matcher-accent);background:var(--matcher-accent);color:#fff}.matcher-card .button.primary:hover{filter:brightness(.92);color:#fff}.matcher-card .button.primary:focus-visible{outline-color:var(--matcher-accent)}
.matcher-card .button.primary[disabled]{border-color:#aab6bc;background:#aab6bc;color:#fff;cursor:not-allowed;filter:none;opacity:.7}
.matcher-card .button.outline{border-color:var(--matcher-accent);color:var(--matcher-accent)}.matcher-card .button.outline:hover{background:color-mix(in srgb,var(--matcher-accent) 8%,white);color:var(--matcher-accent)}
.matcher-card .option-grid span{transition:border-color .18s ease,background-color .18s ease,transform .18s ease}.matcher-card .option-grid label:hover span{transform:translateY(-1px);border-color:#9cb2bd}
.matcher-card .stage-track span{transition:color .18s ease,border-color .18s ease,background-color .18s ease}.matcher-card .progress-status>div{overflow:hidden;border-radius:99px}.matcher-card .progress-status i{border-radius:99px}
.matcher-card .match-step{min-height:255px}.matcher-card .match-controls{min-height:42px}.matcher-card .option-grid label,.matcher-card .option-grid span{height:100%}.matcher-card .option-grid span{display:flex;align-items:center}
.matcher-card .result-profile h3{color:var(--navy)}.matcher-card .result-profile p{line-height:1.58;color:#365064}.matcher-card .result-checklist li{line-height:1.5}.matcher-card .result-checklist li::marker{color:var(--matcher-accent)}
.matcher-card .result-actions{align-items:center;flex-wrap:wrap}.matcher-card .result-actions #match-restart{margin-right:auto}.matcher-card .result-actions a{display:inline-flex;align-items:center;justify-content:center;max-width:370px;line-height:1.35;white-space:normal}
.matcher-card .result-actions .button.primary,.matcher-card .result-actions .button.primary:visited{color:#fff}.matcher-card .result-actions .button.outline,.matcher-card .result-actions .button.outline:visited{background:#fff;color:var(--matcher-accent)}
.matcher-card .calculator-error{color:#8a3828}.matcher-card .match-controls{margin-top:1.5rem}.matcher-caveat{max-width:720px;margin:1rem auto 0;font-size:.7rem;line-height:1.55;color:var(--muted);text-align:center}
.resource-link-grid{display:grid;grid-template-columns:1fr 1fr;margin:1.55rem 0 2.4rem;border-top:1px solid var(--line-dark);border-bottom:1px solid var(--line-dark)}
.resource-link-grid a{display:grid;grid-template-columns:1fr auto;align-items:center;gap:1rem;min-width:0;padding:1rem 0;color:var(--teal-dark);font:750 .88rem/1.4 var(--display);text-decoration:none}
.resource-link-grid a:first-child{padding-right:1.25rem;border-right:1px solid var(--line-dark)}
.resource-link-grid a:last-child{padding-left:1.25rem}
.resource-link-grid a:hover span,.resource-link-grid a:focus-visible span{text-decoration:underline;text-decoration-thickness:2px;text-underline-offset:4px}
.resource-link-grid i{display:grid;place-items:center;width:1.8rem;height:1.8rem;border:1px solid currentColor;font:800 1rem/1 var(--display);font-style:normal;transition:background-color .16s ease,color .16s ease}
.resource-link-grid a:hover i,.resource-link-grid a:focus-visible i{background:var(--teal-dark);color:#fff}
.source-band .source-next-links{margin-bottom:0;border-color:rgba(255,255,255,.24)}
.source-band .source-next-links a{color:#6ce0d8}
.source-band .source-next-links a:first-child{border-color:rgba(255,255,255,.24)}
.source-band .source-next-links a:hover i,.source-band .source-next-links a:focus-visible i{background:#6ce0d8;color:var(--navy)}
.error-actions{display:flex;justify-content:center;flex-wrap:wrap;gap:.75rem;margin-top:1.5rem}
.matcher-prep{display:grid;grid-template-columns:1fr 1fr;gap:2rem}.matcher-prep>div{padding:1.4rem;border-top:4px solid var(--navy);background:#f7f9fa}.matcher-prep h2{margin:0;font:750 1.3rem var(--display);color:var(--navy)}
/* Calculator pages show the financial relationship, not a generic form card. */
.calculator{overflow:hidden;margin:3rem 0;padding:0;border:1px solid var(--line-dark);border-radius:13px;background:#fff}.calculator>.tool-heading,.calculator>p,.calculator>.calculator-library-link{margin-left:1.5rem;margin-right:1.5rem}.calculator>.tool-heading{padding-top:1.5rem}.calculator-layout{display:grid;grid-template-columns:minmax(230px,.82fr) minmax(0,1.18fr);gap:0;margin-top:1.3rem;border-top:1px solid var(--line)}.calculator-fields{display:flex;flex-direction:column;gap:.85rem;margin:0;padding:1.4rem;background:#f5f8f9}.calculator label{gap:.28rem}.calculator label small{font-weight:500;line-height:1.35;color:var(--muted)}.calculator input{font-size:1rem}.calculator-run{align-self:flex-start;margin-top:.25rem}.calculator-output{display:grid;align-items:center;min-height:325px;margin:0;padding:1.4rem;border-left:1px solid var(--line);background:#fff;color:#2d4557}.calc-empty{text-align:center}.calc-empty:before{content:"";display:block;width:54px;height:54px;margin:0 auto 1rem;border:2px dashed #a8bbc5;border-radius:50%}.calc-empty strong,.calc-empty span{display:block}.calc-empty strong{font:750 1.05rem var(--display);color:var(--navy)}.calc-empty span{max-width:360px;margin:.4rem auto 0;font-size:.74rem;line-height:1.5;color:var(--muted)}.calculator-result-heading>span{font-size:.59rem;font-weight:850;letter-spacing:.08em;text-transform:uppercase;color:var(--teal-dark)}.article-body .calculator-result-heading h3{margin:.35rem 0 1rem;font-size:1.3rem;color:var(--navy)}.calculator-stat-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:.55rem}.calculator-stat-grid>div{padding:.8rem;border-radius:7px;background:#f3f8f8}.calculator-stat-grid span,.calculator-stat-grid strong{display:block}.calculator-stat-grid span{font-size:.58rem;font-weight:750;text-transform:uppercase;color:var(--muted)}.calculator-stat-grid strong{margin-top:.35rem;font:750 .95rem var(--display);color:var(--navy)}.calculator-reading{margin:1rem 0 0;font-size:.76rem;line-height:1.55}.calculator-error{display:flex;flex-direction:column;gap:.4rem;padding:1rem;border-left:4px solid #b94b36;background:var(--coral-pale);color:#6f3024}.calculator-error span{font-size:.76rem}.calculator-library-link{margin-top:1.1rem!important;padding-bottom:1.4rem;font-size:.72rem;font-weight:750}
.calculator-points{border-top:5px solid var(--teal-dark)}.points-layout .calculator-fields{background:#f0f8f6}.points-result{position:relative}.points-result:before{content:"";display:block;height:4px;margin:1.3rem 0 1rem;background:linear-gradient(90deg,var(--teal-dark) 0 62%,#d8e2e5 62%)}.points-result:after{content:"break-even";position:absolute;top:-7px;left:58%;padding:.2rem .35rem;border-radius:3px;background:var(--navy);font-size:.52rem;font-weight:800;color:#fff}.points-result.caution:before{background:linear-gradient(90deg,var(--coral) 0 78%,#d8e2e5 78%)}
.calculator-annual-fee{border-top:5px solid var(--coral)}.fee-layout .calculator-fields{background:#fff5f2}.fee-ledger-inputs label{display:grid;grid-template-columns:1fr 125px;align-items:center;gap:1rem;padding-bottom:.7rem;border-bottom:1px solid #edd9d4}.value-ledger{margin:0}.value-ledger>div{display:flex;justify-content:space-between;gap:1rem;padding:.65rem .15rem;border-bottom:1px solid var(--line)}.value-ledger dt,.value-ledger dd{margin:0}.value-ledger dt{font-size:.72rem}.value-ledger dd{font-weight:800;color:var(--navy)}.value-ledger .ledger-total{margin-top:.35rem;padding:.85rem;background:var(--navy);color:#fff}.value-ledger .ledger-total dd{color:#76ddd5}
.calculator-deductible{border-top:5px solid #1d65ad}.deductible-layout .calculator-fields{background:#f1f6fb}.risk-balance{display:grid;grid-template-columns:1fr 1fr;gap:.75rem}.risk-balance>div{padding:1rem;border-radius:8px;text-align:center}.risk-balance span,.risk-balance strong{display:block}.risk-balance span{font-size:.59rem;font-weight:800;text-transform:uppercase}.risk-balance strong{margin-top:.4rem;font:800 1.2rem var(--display)}.risk-side{background:#fff1ed;color:#963f2d}.reserve-side{background:#e8f6f4;color:#07635d}.risk-gap{display:flex;justify-content:space-between;gap:1rem;margin-top:.75rem;padding:.75rem;border-top:1px solid var(--line);font-size:.7rem}.risk-gap strong{color:var(--navy)}
.calculator-apy{border-top:5px solid var(--navy)}.apy-layout .calculator-fields{background:#eef3f7}.yield-flow{display:grid;grid-template-columns:1fr auto 1fr auto 1fr;align-items:center;gap:.45rem}.yield-flow>div{padding:.8rem .5rem;border:1px solid var(--line);border-radius:7px;text-align:center}.yield-flow span,.yield-flow strong{display:block}.yield-flow span{font-size:.55rem;font-weight:800;text-transform:uppercase;color:var(--muted)}.yield-flow strong{margin-top:.3rem;font:750 .92rem var(--display);color:var(--navy)}.yield-flow i{font-size:.6rem;font-style:normal;color:var(--muted)}.yield-flow .yield-net{border-color:var(--teal-dark);background:var(--teal-pale)}.effective-yield{display:flex;justify-content:space-between;gap:1rem;margin-top:1rem;padding:.8rem;background:var(--navy);font-size:.68rem;color:#dbe6ec}.effective-yield strong{font-size:.9rem;color:#75e2da}

/* Calculator library uses four distinct visual explanations. */
.calculator-library-grid{gap:1rem;border:0}.calculator-library-grid article{overflow:hidden;padding:1.5rem;border:1px solid var(--line);border-radius:12px}.calculator-library-grid .library-tool-points{border-top:5px solid var(--teal-dark)}.calculator-library-grid .library-tool-fee{border-top:5px solid var(--coral)}.calculator-library-grid .library-tool-risk{border-top:5px solid #1d65ad}.calculator-library-grid .library-tool-apy{border-top:5px solid var(--navy)}.library-tool-visual{min-height:74px;margin:1.1rem 0;padding:1rem;border-radius:8px;background:#f5f8f9}.points-mini{display:flex;align-items:center;gap:.5rem;font-size:.6rem}.points-mini i{flex:1;height:3px;background:var(--teal-dark)}.points-mini em{padding:.35rem;border-radius:4px;background:var(--navy);font-style:normal;color:#fff}.ledger-mini,.apy-mini{display:grid;grid-template-columns:1fr auto 1fr auto 1fr;align-items:center;gap:.4rem;text-align:center;font-size:.61rem}.ledger-mini span{padding:.45rem;border-radius:4px;background:#fff}.ledger-mini b{color:var(--coral)}.apy-mini{background:#eaf0f5}.apy-mini i{font-style:normal;color:var(--muted)}.apy-mini strong{padding:.5rem;border-radius:4px;background:var(--navy);color:#fff}.risk-mini{display:grid;grid-template-columns:1fr 45px 1fr;align-items:end;background:#edf3fa;text-align:center}.risk-mini>span{padding:.55rem;border-radius:6px;background:#fff}.risk-mini small,.risk-mini b{display:block}.risk-mini small{font-size:.52rem}.risk-mini i{height:4px;background:#1d65ad}.library-formula{display:flex;flex-wrap:wrap;gap:.35rem;align-items:center;padding:.75rem;border-left:3px solid var(--teal-dark);background:#eff8f7;font-size:.66rem}.library-formula i{font-style:normal;color:var(--muted)}.library-decision,.library-warning{padding:.75rem;border-left:3px solid var(--coral);background:#fff4f1}.library-warning{border-left-color:#1d65ad;background:#edf3fa}.library-decision strong,.library-warning strong{font-size:.65rem}.calculator-library-grid .library-decision p,.calculator-library-grid .library-warning p{margin:.25rem 0 0;font-size:.69rem}.calculator-library-grid details{margin-top:1rem;padding-top:.75rem;border-top:1px solid var(--line)}.calculator-library-grid summary{cursor:pointer;font-size:.67rem;font-weight:800;color:var(--navy)}.calculator-library-grid details p{margin:.6rem 0 0}

@media(max-width:760px){
  .matcher-intro{grid-template-columns:1fr;gap:1.5rem}.matcher-model,.matcher-model>div{min-height:280px}.matcher-intro h1{font-size:2.45rem}.mortgage-model:before{width:185px;height:112px}.mortgage-model:after{width:132px;height:132px}.insurance-model{grid-template-columns:130px 1fr}.risk-rings{width:120px;height:120px}.risk-rings span:nth-child(3){inset:46px}.money-flow{grid-template-columns:1fr}.money-flow i{transform:rotate(90deg);text-align:center}.option-grid{grid-template-columns:1fr}.stage-track span{padding:.65rem .25rem;font-size:.53rem}.progress-status{padding:.65rem 1rem}.loan-evidence-strip,.matcher-prep,.card-priority-order,.coverage-layer-list{grid-template-columns:1fr}.coverage-layer-list li+li{border-left:1px solid #bfd0e3;border-top:0}.money-route-list{flex-direction:column;gap:1.3rem}.money-route-list li:not(:last-child):after{right:auto;bottom:-1rem}.result-actions{flex-direction:column}.result-actions .button{text-align:center}
  .resource-link-grid{grid-template-columns:1fr}.resource-link-grid a:first-child{padding-right:0;border-right:0;border-bottom:1px solid var(--line-dark)}.resource-link-grid a:last-child{padding-left:0}.source-band .source-next-links a:first-child{border-bottom-color:rgba(255,255,255,.24)}
  .calculator>.tool-heading,.calculator>p,.calculator>.calculator-library-link{margin-left:1rem;margin-right:1rem}.calculator>.tool-heading{padding-top:1rem}.calculator-layout{grid-template-columns:1fr}.calculator-fields{padding:1rem}.calculator-output{min-height:260px;padding:1rem;border-left:0;border-top:1px solid var(--line)}.calculator-stat-grid,.risk-balance{grid-template-columns:1fr}.fee-ledger-inputs label{grid-template-columns:1fr}.yield-flow{grid-template-columns:1fr}.yield-flow i{display:none}.calculator-library-grid{gap:.8rem}
}

/* Square editorial system: flat surfaces, direct headings and no decorative numbering. */
*,*::before,*::after{border-radius:0!important}
.menu-button,.mobile-menu-inner,.mobile-search,.mobile-featured>a,.desktop-nav>.nav-item>.nav-trigger .nav-chevron,.mega-menu,.mega-symbol,.matcher-model,.matcher-card{box-shadow:none!important}
.mega-menu::after,.mega-intro::after{content:none!important}
.mega-intro>strong{margin-top:1.25rem}
.mega-column{counter-reset:none}
.mega-column>a{grid-template-columns:1fr!important;counter-increment:none!important}
.mega-column>a::before{content:none!important}
.mega-column strong,.mega-column small{grid-column:1}
.card-model::before,.card-model li::before,.card-priority-order li::before,.coverage-layer-list li::before,.summary-calculation li::before,.summary-timeline li::before,.guide-section-flow>li::before,.guide-section-flow>li::after{content:none!important}
.card-model ol,.card-priority-order,.coverage-layer-list,.summary-calculation,.summary-timeline,.guide-section-flow{counter-reset:none!important}
.card-model li,.card-priority-order li,.coverage-layer-list li,.summary-calculation li,.summary-timeline li,.guide-section-flow>li{counter-increment:none!important}
.coverage-layer-list li{padding:1rem}
.article-body .summary-calculation li{display:block;padding:.85rem 1rem}
.article-body .summary-calculation h3,.article-body .summary-timeline h3,.article-body .summary-action-list h3,.article-body .summary-comparison h3{margin:0}
.article-body .guide-section-flow>li{padding:0 0 1.75rem;border-bottom:1px solid var(--line)}
.article-body .guide-section-flow>li+li{padding-top:1.75rem}
.article-body .guide-section-flow>li:last-child{padding-bottom:0;border-bottom:0}
.bottom-line>div>p{margin:.65rem 0 0;font-size:.82rem;font-weight:400;letter-spacing:normal;text-transform:none;color:#dbe6ec}
.loan-evidence-strip h3,.card-countercase h3,.coverage-fallback h3,.account-fallback h3{margin:0;font:750 .78rem/1.35 var(--display);color:var(--navy)}
.loan-evidence-strip p,.card-countercase p,.coverage-fallback p,.account-fallback p{margin:.35rem 0 0}

/* Site-wide hero system: use the canvas for headlines while keeping copy readable. */
.hero-inner{grid-template-columns:minmax(0,1.14fr) minmax(380px,.86fr);gap:clamp(2.5rem,4vw,4rem)}
.hero-content h1{max-width:none;text-wrap:balance}
.hero-content>p{max-width:680px}
.page-hero.compact{padding:clamp(4.5rem,7vw,6.25rem) 0}
.page-hero-inner{min-width:0}
.page-hero h1{max-width:1080px;font-size:clamp(3rem,5vw,4.7rem);line-height:1.01;text-wrap:balance}
.page-hero p{max-width:820px;font-size:1.05rem;line-height:1.65}
.page-hero .answer-summary{max-width:820px}
.page-hero .search-form{max-width:820px}
.topic-hero{grid-template-columns:minmax(0,1.12fr) minmax(380px,.88fr);gap:clamp(3rem,5vw,5rem)}
.topic-hero h1{text-wrap:balance}
.matcher-shell{width:var(--shell)}
.matcher-intro{grid-template-columns:minmax(0,1.15fr) minmax(360px,.85fr)}
.matcher-intro>*{min-width:0}
.matcher-intro>header{max-width:none}
.matcher-intro h1{text-wrap:balance}
.matcher-intro .privacy-note{display:block;width:max-content;max-width:100%;white-space:normal;overflow-wrap:anywhere}
.matcher-model,.matcher-model>div{width:100%;max-width:100%;min-width:0}
.matcher-model>div{overflow:hidden}
.mortgage-model>strong,.mortgage-model p,.mortgage-model>div span{min-width:0;overflow-wrap:anywhere}
.article-header{max-width:1080px;text-align:left}
.article-header h1{text-wrap:balance}
.article-header .dek,.article-header .guide-answer{max-width:820px;margin-left:0!important;margin-right:0!important}
.article-meta{justify-content:flex-start}
.static-article{width:var(--shell)}
.static-article>header{max-width:1080px;margin-left:auto;margin-right:auto}
.static-article>header h1{text-wrap:balance}
.static-article>header>p{max-width:820px}
.static-article>.article-body{width:min(780px,100%);margin-inline:auto}

@media(max-width:980px){
  .hero-inner,.topic-hero,.matcher-intro{grid-template-columns:1fr}
  .hero-inner{gap:2.5rem}.hero-content h1{max-width:840px}.hero-content>p{max-width:720px}.hero-visual{width:100%}
  .topic-hero{gap:2.5rem}.topic-hero>div:first-child{max-width:860px}.decision-panel{width:100%}
  .matcher-intro{gap:2rem}.matcher-intro>header{max-width:860px}.matcher-model{width:100%}
  .page-hero h1,.article-header h1,.static-article>header h1{max-width:900px}
}

@media(max-width:760px){
  .page-hero.compact{padding:2.8rem 0 3rem}
  .page-hero h1,.topic-hero h1,.article-header h1,.static-article>header h1{font-size:clamp(2.25rem,10vw,3rem);line-height:1.04;letter-spacing:-.05em;text-wrap:wrap}
  .page-hero p,.topic-hero>div>p,.static-article>header>p{font-size:.96rem;line-height:1.58}
  .hero{padding:2.8rem 0}.hero-inner{gap:2rem}.hero-content h1{max-width:none;font-size:clamp(2.35rem,11vw,3rem);text-wrap:wrap}.hero-content>p{font-size:.96rem}
  .topic-hero{padding-top:2.8rem;padding-bottom:3.2rem}
  .matcher-shell,.article-shell,.static-article{width:var(--shell);max-width:100%}
  .matcher-intro h1{font-size:clamp(2.25rem,10vw,3rem);text-wrap:wrap}
  .matcher-model,.matcher-model>div{min-height:240px}
  .matcher-model>div{padding:clamp(1rem,5vw,1.5rem)}
  .mortgage-model>div{grid-template-columns:repeat(3,minmax(0,1fr));gap:.3rem}.mortgage-model>div span{padding:.5rem .25rem;font-size:.59rem}
  .matcher-workbench,.matcher-workbench-head{max-width:100%;min-width:0}.matcher-workbench-head h2{overflow-wrap:anywhere}
  .article-header{margin-bottom:2.25rem}.article-header .dek,.article-header .guide-answer{font-size:.96rem!important}
  .static-article>header{padding-bottom:1.5rem}
}

@media(max-width:440px){
  .page-hero h1,.topic-hero h1,.article-header h1,.static-article>header h1,.matcher-intro h1{font-size:2.08rem}
  .hero-content h1{font-size:2.3rem}
}

/* Matcher workbench repair: keep the tool compact and prevent progress-row collapse. */
.matcher-kind-mortgage{--matcher-accent:#087a73}
.matcher-kind-card{--matcher-accent:#9b402f}
.matcher-kind-insurance{--matcher-accent:#1d65ad}
.matcher-kind-account{--matcher-accent:#0b4762}
.matcher-intro{margin-bottom:clamp(2.5rem,4vw,3.5rem)}
.matcher-workbench{display:grid;grid-template-columns:minmax(220px,.34fr) minmax(0,.9fr);gap:clamp(1.5rem,3vw,3rem);align-items:start;width:100%;margin:0}
.matcher-workbench-head{max-width:none;margin:0;padding:1rem 0 0;border-top:4px solid var(--matcher-accent);text-align:left}
.matcher-workbench-head h2{max-width:320px;margin:0;font-size:clamp(1.5rem,2.15vw,2rem);line-height:1.12}
.matcher-workbench-head p{max-width:320px;margin:.75rem 0 0;font-size:.82rem;line-height:1.6}
.matcher-card{min-width:0}
.matcher-card .progress>.stage-track{height:auto;margin:0;background:#f8fafb}
.matcher-card .progress>.progress-status{height:auto;margin:0;background:#fff}
.matcher-card .progress-status>div{height:4px;margin:0;background:#e5ecee}
.matcher-card .match-step{min-height:0}
.matcher-card form{min-width:0}

/* Keep the custom split chevron without a row of boxed controls in the header. */
.desktop-nav>.nav-item>.nav-trigger .nav-chevron{width:15px;height:14px;margin-left:.2rem;overflow:visible;border:0;background:transparent}
.desktop-nav>.nav-item>.nav-trigger .nav-chevron:before{content:none}
.desktop-nav>.nav-item>.nav-trigger .nav-chevron svg{width:11px;height:8px}
.desktop-nav>.nav-item:hover>.nav-trigger .nav-chevron,.desktop-nav>.nav-item:focus-within>.nav-trigger .nav-chevron{border:0;background:transparent;transform:translateY(1px)}

@media(max-width:980px){
  .matcher-workbench{grid-template-columns:1fr;gap:1rem}
  .matcher-workbench-head{max-width:820px;padding-top:.85rem}
  .matcher-workbench-head h2,.matcher-workbench-head p{max-width:700px}
}

@media(max-width:760px){
  .matcher-intro{margin-bottom:2.25rem}
  .matcher-workbench{gap:.85rem}
  .matcher-workbench-head h2{font-size:1.55rem;overflow-wrap:normal}
  .matcher-workbench-head p{font-size:.78rem}
  .matcher-card .stage-track span{padding:.7rem .3rem;font-size:.55rem;line-height:1.25}
  .matcher-card .progress-status{align-items:flex-start;flex-direction:column;gap:.55rem;padding:.7rem 1rem}
  .matcher-card .progress-status>span{white-space:normal}
  .matcher-card .progress-status>div{width:100%}
}