@font-face{font-family:"Inter";font-style:normal;font-weight:400;font-display:swap;src:url(fonts/inter-400.woff2) format("woff2")}
@font-face{font-family:"Inter";font-style:normal;font-weight:500;font-display:swap;src:url(fonts/inter-500.woff2) format("woff2")}
@font-face{font-family:"Inter";font-style:normal;font-weight:600;font-display:swap;src:url(fonts/inter-600.woff2) format("woff2")}
@font-face{font-family:"Inter";font-style:normal;font-weight:700;font-display:swap;src:url(fonts/inter-700.woff2) format("woff2")}
@font-face{font-family:"Inter Tight";font-style:normal;font-weight:700;font-display:swap;src:url(fonts/inter-tight-700.woff2) format("woff2")}
@font-face{font-family:"Inter Tight";font-style:normal;font-weight:800;font-display:swap;src:url(fonts/inter-tight-800.woff2) format("woff2")}
:root{
--g-950:#0d0e10;--g-900:#141518;--g-800:#1d1f23;--g-700:#2a2d33;--g-500:#5c626d;--g-300:#c9ccd2;--g-200:#e4e6ea;--g-100:#f1f2f4;--g-50:#f8f8f7;
--amber:#f5a524;--amber-600:#e08e0b;--amber-700:#b45309;--amber-100:#fff3dc;--amber-50:#fffaf0;
--ink:#16171a;--muted:#5c626d;--line:#e4e6ea;--bg:#fafaf9;--white:#fff;
--ok:#0f9d6a;--warn-bg:#fff8ea;--warn-line:#f3c56b;
--r:24px;--r-md:16px;--r-sm:12px;--maxw:1160px;--read:720px;
--shadow:0 1px 2px rgba(16,17,20,.04),0 8px 24px rgba(16,17,20,.06);
--shadow-lg:0 2px 4px rgba(16,17,20,.06),0 24px 48px rgba(16,17,20,.12);
--head:"Inter Tight","Inter",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
--sans:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--sans);font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased}
img,svg{max-width:100%}
a{color:var(--amber-700);text-decoration-thickness:1px;text-underline-offset:3px}a:hover{color:var(--g-900)}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 16px}
.skip{position:absolute;left:-999px}.skip:focus{left:16px;top:8px;background:#fff;padding:8px;z-index:99}
h1,h2,h3{font-family:var(--head);color:var(--g-950);line-height:1.12;letter-spacing:-.025em;font-weight:800}
h1{font-size:clamp(2.1rem,4.6vw,3.2rem);margin:.2em 0 .4em}h2{font-size:clamp(1.5rem,2.6vw,2rem);margin:2.2em 0 .6em;font-weight:700}h3{font-size:1.18rem;margin:1.6em 0 .4em;font-weight:700;letter-spacing:-.015em}
p{margin:0 0 1em}ul,ol{padding-left:1.25em}li{margin:.35em 0}
/* topbar + header */
.topbar{background:var(--g-950);color:var(--g-300);font-size:13px}.topbar .wrap{padding-top:7px;padding-bottom:7px}
.topbar a{color:var(--amber)}
header.site{background:rgba(255,255,255,.82);-webkit-backdrop-filter:saturate(180%) blur(14px);backdrop-filter:saturate(180%) blur(14px);border-bottom:1px solid rgba(20,21,24,.07);position:sticky;top:0;z-index:30}
header.site .wrap{display:flex;align-items:center;gap:20px;min-height:68px;position:relative}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--g-950);font-family:var(--head);font-weight:800;font-size:18px;letter-spacing:-.02em}
.logo .mark{width:36px;height:36px;border-radius:11px;background:linear-gradient(135deg,var(--g-800),var(--g-950));display:grid;place-items:center;color:var(--amber);font-size:13px;font-weight:800;letter-spacing:.02em;box-shadow:inset 0 0 0 1px rgba(255,255,255,.08)}
.logo small{display:block;font-family:var(--sans);font-weight:500;color:var(--muted);font-size:11.5px;letter-spacing:0}
nav.main{margin-left:auto;display:flex;gap:2px;align-items:center}
nav.main a{text-decoration:none;color:var(--g-700);font-weight:600;font-size:14.5px;padding:8px 12px;border-radius:999px;transition:background .15s,color .15s}
nav.main a:hover,nav.main a[aria-current]{background:var(--g-100);color:var(--g-950)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--amber);color:var(--g-950)!important;font-weight:700;text-decoration:none;padding:13px 22px;border-radius:999px;border:0;box-shadow:0 1px 0 rgba(255,255,255,.4) inset,0 6px 18px rgba(245,165,36,.35);transition:transform .15s,box-shadow .15s,background .15s;font-family:var(--sans)}
.btn:hover{background:#ffb43c;transform:translateY(-1px);box-shadow:0 1px 0 rgba(255,255,255,.4) inset,0 10px 26px rgba(245,165,36,.45)}
.btn .arr{transition:transform .15s}.btn:hover .arr{transform:translateX(3px)}
.btn.lg{padding:16px 28px;font-size:1.06rem}
.btn.ghost{background:transparent;box-shadow:inset 0 0 0 1.5px currentColor;color:var(--g-950)!important}
.btn.ghost:hover{background:rgba(20,21,24,.05)}
nav.main .btn{margin-left:10px;padding:9px 16px;font-size:14px;box-shadow:none}
details.mnav{display:none;margin-left:auto}
details.mnav summary{list-style:none;cursor:pointer;font-weight:700;border:1px solid var(--line);border-radius:999px;padding:8px 16px;background:#fff}
details.mnav summary::-webkit-details-marker{display:none}
details.mnav[open] .panel{position:absolute;left:0;right:0;top:68px;background:#fff;border-bottom:1px solid var(--line);padding:8px 16px 18px;box-shadow:var(--shadow-lg)}
details.mnav .panel a{display:block;padding:12px 4px;border-bottom:1px solid var(--line);text-decoration:none;color:var(--ink);font-weight:600}
details.mnav .panel .btn{margin-top:14px;display:flex;border:0}
@media(max-width:920px){nav.main{display:none}details.mnav{display:block}}
/* home hero: centered spotlight */
.hero{position:relative;overflow:hidden;background:var(--g-950);color:var(--g-300);text-align:center}
.hero::before{content:"";position:absolute;inset:-40% -10% auto;height:120%;background:radial-gradient(closest-side,rgba(245,165,36,.30),rgba(245,165,36,.08) 55%,transparent 75%);pointer-events:none}
.hero::after{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.035) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.035) 1px,transparent 1px);background-size:44px 44px;-webkit-mask-image:radial-gradient(ellipse at 50% 30%,#000 30%,transparent 75%);mask-image:radial-gradient(ellipse at 50% 30%,#000 30%,transparent 75%);pointer-events:none}
.hero .wrap{position:relative;z-index:1;padding-top:72px;padding-bottom:64px}
.hero h1{color:#fff;font-size:clamp(2.3rem,5.6vw,4.1rem);max-width:15ch;margin:.35em auto .35em;letter-spacing:-.035em}
.hero h1 em{font-style:normal;background:linear-gradient(90deg,#ffd27a,var(--amber));-webkit-background-clip:text;background-clip:text;color:transparent}
.hero p.lede{font-size:clamp(1.05rem,1.8vw,1.22rem);color:#c3c7cf;max-width:58ch;margin:0 auto}
.pill{display:inline-flex;align-items:center;gap:8px;font-size:13px;font-weight:600;color:#e9eaee;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);padding:6px 14px;border-radius:999px}
.pill .dot{width:8px;height:8px;border-radius:50%;background:#34d399;box-shadow:0 0 0 4px rgba(52,211,153,.18)}
.hero .ctas{display:flex;gap:12px;flex-wrap:wrap;justify-content:center;margin-top:30px}
.hero .btn.ghost{color:#fff!important}.hero .btn.ghost:hover{background:rgba(255,255,255,.08)}
.micro{display:flex;gap:6px 18px;flex-wrap:wrap;justify-content:center;font-size:13.5px;color:#a9aeb8;margin-top:18px}
.micro span::before{content:"✓";color:var(--amber);font-weight:800;margin-right:6px}
.stats{margin:46px auto 0;display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.09);border-radius:var(--r);overflow:hidden;max-width:960px;-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px)}
.stats div{background:rgba(20,21,24,.72);padding:20px 16px;text-align:left}
.stats b{display:block;font-family:var(--head);font-size:clamp(1.3rem,2.4vw,1.7rem);color:#fff;letter-spacing:-.02em}
.stats span{font-size:13px;color:#a9aeb8}
.stats-note{font-size:12.5px;color:#868c97;margin-top:12px}.stats-note a{color:#c3c7cf}
@media(max-width:760px){.stats{grid-template-columns:1fr 1fr}.hero .wrap{padding-top:48px;padding-bottom:48px}}
/* home sections */
section.band{padding:72px 0}section.band.alt{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
section.band h2{margin-top:0}
.kicker{font-size:12.5px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--amber-700);margin-bottom:8px}
.sec-head{max-width:640px;margin-bottom:28px}.sec-head p{color:var(--muted);margin:0}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;counter-reset:s}@media(max-width:800px){.steps{grid-template-columns:1fr}}
.steps div{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px;box-shadow:var(--shadow);position:relative}
.steps div::before{counter-increment:s;content:counter(s);display:grid;place-items:center;width:36px;height:36px;border-radius:12px;background:var(--amber-100);color:var(--amber-700);font-weight:800;font-family:var(--head);margin-bottom:14px}
.steps h3{margin:0 0 6px}.steps p{margin:0;color:var(--muted);font-size:15.5px}
.split{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center}.split>*{min-width:0}@media(max-width:860px){.split{grid-template-columns:1fr}}
/* article */
.crumbs{font-size:13.5px;color:var(--muted);padding-top:24px}.crumbs a{color:var(--muted);text-decoration:none}.crumbs a:hover{color:var(--g-950);text-decoration:underline}
.layout{display:grid;grid-template-columns:minmax(0,var(--read)) 300px;gap:56px;justify-content:space-between;padding-bottom:48px}
@media(max-width:1000px){.layout{grid-template-columns:minmax(0,1fr)}aside.side{display:none}}
.byline{display:flex;flex-wrap:wrap;align-items:center;gap:8px 16px;font-size:14px;color:var(--muted);border-bottom:1px solid var(--line);padding-bottom:16px;margin-bottom:24px}
.byline strong a{color:var(--ink)}
.verified{display:inline-flex;align-items:center;gap:6px;background:#e8f7f0;color:#0b6b48;border-radius:999px;padding:3px 12px;font-weight:600;font-size:13px}
.answer{background:linear-gradient(180deg,var(--amber-50),#fff);border:1px solid #f6dfb3;border-radius:var(--r-md);padding:20px 22px;margin:0 0 28px;box-shadow:var(--shadow)}
.answer .lbl{font-size:12px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--amber-700);margin-bottom:6px}
.answer p:last-child{margin:0}
.note{background:var(--warn-bg);border:1px solid var(--warn-line);border-radius:var(--r-sm);padding:14px 16px;font-size:15.5px;margin:1.2em 0}
.toc{background:#fff;border:1px solid var(--line);border-radius:var(--r-md);padding:16px 20px;margin:0 0 26px;font-size:15px}
.toc strong{display:block;margin-bottom:4px;font-family:var(--head)}.toc ol{margin:0}.toc a{color:var(--g-700)}
.tbl{width:100%;overflow-x:auto;margin:1.3em 0;border:1px solid var(--line);border-radius:var(--r-md);box-shadow:var(--shadow);background:#fff}
table{border-collapse:collapse;width:100%;font-size:15px;background:#fff;min-width:520px}
th,td{text-align:left;padding:12px 16px;border-bottom:1px solid var(--line);vertical-align:top}
thead th{background:var(--g-900);color:#fff;font-weight:600;font-size:13.5px;letter-spacing:.01em}
tbody tr:last-child td,tbody tr:last-child th{border-bottom:0}tbody th{font-weight:600;background:var(--g-50)}
tbody tr:hover td{background:#fffdf7}
.faq details{border:1px solid var(--line);border-radius:var(--r-sm);background:#fff;margin:10px 0;padding:0 18px;transition:box-shadow .15s}
.faq details[open]{box-shadow:var(--shadow)}
.faq summary{cursor:pointer;font-weight:600;padding:15px 0;color:var(--g-950)}
.faq details p{margin:0 0 15px;color:var(--g-700)}
.sources{font-size:14px;color:var(--muted);border-top:1px solid var(--line);margin-top:2.5em;padding-top:1em}
.sources ol{padding-left:1.2em}.sources a{word-break:break-word;color:var(--g-700)}
aside.side .box{position:sticky;top:96px;border:1px solid var(--line);border-radius:var(--r);background:#fff;padding:20px;margin-top:40px;box-shadow:var(--shadow)}
aside.side h2{font-size:1rem;margin:0 0 8px}aside.side ul{list-style:none;padding:0;margin:0;font-size:14.5px}aside.side li{border-bottom:1px solid var(--line);padding:8px 0}
aside.side li a{color:var(--g-700);text-decoration:none}aside.side li a:hover{color:var(--amber-700)}
aside.side .cta{background:var(--g-950);background-image:radial-gradient(120% 80% at 100% 0,rgba(245,165,36,.25),transparent 60%);color:#fff;border-radius:var(--r-md);padding:20px;margin-top:16px}
aside.side .cta .btn{font-size:15px;padding:11px 18px}aside.side .cta p{font-size:14px;color:#b9bec7;margin:.3em 0 1em}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:16px;margin:1.2em 0}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px;text-decoration:none;color:var(--ink);display:block;box-shadow:var(--shadow);transition:transform .18s,box-shadow .18s,border-color .18s}
a.card:hover{transform:translateY(-3px);box-shadow:var(--shadow-lg);border-color:#f3d39b}
.card h3{margin:0 0 6px;font-size:1.08rem}.card p{margin:0;font-size:15px;color:var(--muted)}
a.card h3::after{content:" →";color:var(--amber-700);opacity:0;transition:opacity .15s}a.card:hover h3::after{opacity:1}
.ctaband{position:relative;overflow:hidden;background:var(--g-950);color:#e9eaee;border-radius:var(--r);padding:32px;margin:2.5em 0;display:flex;gap:20px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.ctaband::before{content:"";position:absolute;right:-120px;top:-160px;width:420px;height:420px;background:radial-gradient(closest-side,rgba(245,165,36,.35),transparent);pointer-events:none}
.ctaband>*{position:relative}
.ctaband h2{color:#fff;margin:0 0 6px;font-size:1.5rem}.ctaband p{margin:0;max-width:52ch;color:#b9bec7}
.pros{display:grid;grid-template-columns:1fr 1fr;gap:16px}@media(max-width:640px){.pros{grid-template-columns:1fr}}
.pros>div{border:1px solid var(--line);border-radius:var(--r-md);padding:18px 20px;background:#fff;box-shadow:var(--shadow)}
.pros h3{margin-top:0}.pros ul.pm{list-style:none;padding-left:0}.pros ul.pm li{padding-left:1.1em;text-indent:-1.1em}
/* calculator */
.calc{background:#fff;border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--shadow-lg);padding:26px;margin:1.4em 0}
.calc .row{display:grid;grid-template-columns:1fr 1fr;gap:14px}@media(max-width:600px){.calc .row{grid-template-columns:1fr}}
.calc label{display:block;font-weight:600;font-size:14px;margin:10px 0 6px;color:var(--g-700)}
.calc input,.calc select{width:100%;font:inherit;padding:11px 14px;border:1px solid var(--g-300);border-radius:12px;background:#fff;transition:border-color .15s,box-shadow .15s}
.calc input:focus,.calc select:focus{outline:0;border-color:var(--amber);box-shadow:0 0 0 4px rgba(245,165,36,.2)}
.calc .out{margin-top:20px;display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:12px}
.calc .out div{background:var(--g-50);border:1px solid var(--line);border-radius:14px;padding:14px}
.calc .out span{display:block;font-size:12.5px;color:var(--muted)}.calc .out b{font-size:1.4rem;font-family:var(--head);color:var(--g-950);letter-spacing:-.02em}
.formwrap{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:18px;min-height:200px;box-shadow:var(--shadow)}
/* mobile sticky CTA (home) */
.mcta{display:none}
@media(max-width:760px){.mcta{display:flex;position:fixed;left:12px;right:12px;bottom:12px;z-index:40;align-items:center;justify-content:space-between;gap:10px;background:rgba(13,14,16,.92);-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);color:#fff;border-radius:18px;padding:10px 10px 10px 16px;box-shadow:var(--shadow-lg);font-size:14px}
.mcta .btn{padding:10px 16px;font-size:14px;box-shadow:none}body.has-mcta{padding-bottom:84px}
.mcta{transform:translateY(160%);transition:transform .25s ease}.mcta.show{transform:none}}
/* content figures */
figure.fig{margin:1.4em 0 1.8em}
figure.fig img{display:block;width:100%;height:auto;border-radius:var(--r-md);border:1px solid var(--line);box-shadow:var(--shadow);background:#fff}
figure.fig figcaption{font-size:13.5px;color:var(--muted);margin-top:8px}
.card .num{display:block;font-family:var(--head);font-weight:800;font-size:1.15rem;color:var(--amber-700);margin:2px 0 8px;letter-spacing:-.01em}
.card .more{display:inline-block;margin-top:12px;font-weight:600;font-size:14.5px;text-decoration:none}.card .more:hover{text-decoration:underline}
.cards.hub{grid-template-columns:repeat(auto-fit,minmax(260px,1fr))}
.hub-group{margin-top:8px}.hub-group>p{color:var(--muted);margin-top:-4px}
.formsec-img{display:block;width:100%;height:auto;border-radius:var(--r-md);margin-top:22px;border:1px solid rgba(255,255,255,.08)}
@media(max-width:900px){.formsec-img{display:none}}

/* sidebar table of contents */
.stoc{list-style:none;padding:0;margin:0 0 4px;font-size:14px;max-height:calc(100vh - 380px);overflow:auto}
.stoc li{border:0;padding:0;margin:0}
.stoc a{display:block;padding:6px 10px;border-left:2px solid var(--line);color:var(--g-700);text-decoration:none;line-height:1.35}
.stoc a:hover{color:var(--g-950);border-left-color:var(--g-300)}
.stoc a.active{color:var(--g-950);font-weight:600;border-left-color:var(--amber);background:var(--amber-50)}
.gloss dt{font-family:var(--head);font-weight:700;font-size:1.08rem;color:var(--g-950);margin-top:20px;scroll-margin-top:90px}.gloss dd{margin:4px 0 0;padding-bottom:14px;border-bottom:1px solid var(--line)}.gloss dd a{font-size:14.5px;white-space:nowrap}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.tbl:focus-visible{outline:3px solid var(--amber);outline-offset:2px}
.helpful{display:flex;flex-wrap:wrap;align-items:center;gap:10px;border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:16px 0;margin:2.2em 0 0;font-weight:600}
.helpful button{font:inherit;font-weight:600;background:#fff;border:1px solid var(--g-300);border-radius:999px;padding:8px 18px;min-height:44px;cursor:pointer}
.helpful button:hover{border-color:var(--g-700)}.helpful .helpful-thanks{font-weight:500;color:var(--muted)}
.jump{display:flex;flex-wrap:wrap;gap:6px;margin:0 0 20px}.jump a{display:inline-flex;align-items:center;justify-content:center;min-width:36px;min-height:36px;border:1px solid var(--line);border-radius:10px;background:#fff;text-decoration:none;font-weight:700;color:var(--g-700)}
.jump a:hover{border-color:var(--amber);color:var(--g-950)}@media(pointer:coarse){.jump a{min-width:44px;min-height:44px}}
.gloss h2{font-size:1.1rem;color:var(--amber-700);margin:1.6em 0 0;scroll-margin-top:90px}
.nf{padding-top:56px;padding-bottom:24px}.nf h1{margin:.2em 0 .3em}.nf .lede{font-size:1.1rem;color:var(--muted);max-width:56ch}
.process{counter-reset:p;list-style:none;padding:0;display:grid;gap:12px;margin:1em 0}
.process li{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--r-md);padding:16px 18px 16px 62px;box-shadow:var(--shadow);margin:0}
.process li::before{counter-increment:p;content:counter(p);position:absolute;left:18px;top:16px;width:30px;height:30px;border-radius:10px;background:var(--amber-100);color:var(--amber-700);display:grid;place-items:center;font-weight:800;font-family:var(--head)}
.process strong{display:block;font-family:var(--head);margin-bottom:2px}
/* what changed */
.changes{border:1px solid var(--line);border-radius:var(--r-md);background:#fff;padding:14px 18px;margin:0 0 26px;font-size:15px}
.changes strong{display:block;font-family:var(--head);margin-bottom:4px}
.changes ul{list-style:none;padding:0;margin:0}.changes li{margin:6px 0;padding-left:0}
.changes time{display:inline-block;min-width:92px;font-weight:600;color:var(--amber-700);font-size:13.5px}
/* tables: highlight Dave, sticky first column on small screens */
th.hl,td.hl{background:#fffaf0}thead th.hl{background:#3a2a08;color:#ffd27a}
tr.hl-row>th,tr.hl-row>td{background:#fffaf0}
@media(max-width:700px){.tbl th:first-child,.tbl td:first-child{position:sticky;left:0;z-index:1;box-shadow:1px 0 0 var(--line)}
.tbl tbody th:first-child{background:var(--g-50)}.tbl tbody tr.hl-row>th:first-child{background:#fff3dc}.tbl thead th:first-child{background:var(--g-900)}}
/* mini calculator + calculator messages */
.minicalc{background:#fff;border:1px solid var(--line);border-radius:var(--r-md);padding:18px 20px;margin:1.4em 0;box-shadow:var(--shadow)}
.minicalc label{display:block;font-weight:700;font-family:var(--head);margin-bottom:8px}
.mc-in{display:flex;align-items:center;gap:6px;max-width:220px;border:1px solid var(--g-300);border-radius:12px;padding:0 12px;background:#fff}
.mc-in:focus-within{border-color:var(--amber);box-shadow:0 0 0 4px rgba(245,165,36,.2)}
.mc-in input:focus-visible{outline:none}.mc-in input{border:0;outline:0;font:inherit;padding:10px 0;width:100%;background:transparent}
.mc-out{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-top:14px}
.mc-out div{background:var(--g-50);border:1px solid var(--line);border-radius:12px;padding:10px 12px}
.mc-out span{display:block;font-size:12.5px;color:var(--muted)}.mc-out b{font-family:var(--head);font-size:1.2rem}
.mc-msg,.calc-msg p{margin:14px 0 0;font-size:15px}
.mc-msg .btn,.calc-msg .btn{padding:9px 16px;font-size:14px;margin-left:4px}
@media(max-width:480px){.mc-out{grid-template-columns:1fr 1fr}}
/* decision helper */
.decide{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px;box-shadow:var(--shadow-lg);margin:1.4em 0}
.decide h3{margin:0 0 4px;font-size:1.2rem}.decide>p{margin:0 0 10px;color:var(--muted);font-size:15px}
.decide fieldset{border:0;padding:0;margin:14px 0 0}
.decide legend{font-weight:600;font-size:15px;margin-bottom:8px;padding:0}
.decide .opts{display:flex;flex-wrap:wrap;gap:8px}
.decide label{position:relative}
.decide input{position:absolute;opacity:0;width:1px;height:1px}
.decide label span{display:inline-block;padding:9px 14px;border:1px solid var(--g-300);border-radius:999px;font-size:14.5px;cursor:pointer;background:#fff;transition:all .12s}
.decide label span:hover{border-color:var(--g-500)}
.decide input:checked+span{background:var(--g-950);border-color:var(--g-950);color:#fff}
.decide input:focus-visible+span{outline:3px solid var(--amber);outline-offset:2px}
.decide-out{margin-top:18px}.decide-out>div{background:var(--amber-50);border:1px solid #f6dfb3;border-radius:var(--r-md);padding:16px 18px}
.decide-out h4{margin:0 0 6px;font-family:var(--head);font-size:1.05rem}.decide-out p{margin:0 0 10px;font-size:15px}
.decide-hint{color:var(--muted);font-size:14px}
.decide .fine{font-size:12.5px;color:var(--muted);margin:14px 0 0}
/* accessibility: visible keyboard focus */
a:focus-visible,.btn:focus-visible,summary:focus-visible,input:focus-visible,select:focus-visible{outline:3px solid var(--amber);outline-offset:2px}
/* inline CTA in articles */
.inline-cta{display:flex;gap:16px;align-items:center;justify-content:space-between;flex-wrap:wrap;background:#fff;border:1px solid #f3d39b;border-radius:var(--r-md);padding:16px 18px;margin:0 0 26px;box-shadow:var(--shadow)}
.inline-cta p{margin:0;font-size:15.5px;max-width:46ch}.inline-cta strong{color:var(--g-950)}
.inline-cta .btn{padding:11px 18px;font-size:15px}
/* on-page form section */
.formsec{background:var(--g-950);background-image:radial-gradient(70% 60% at 50% 0,rgba(245,165,36,.22),transparent 70%);color:#c3c7cf;padding:72px 0}
.formsec h2{color:#fff;margin:0 0 8px}.formsec .kicker{color:var(--amber)}
.formsec .grid{display:grid;grid-template-columns:1fr 1.15fr;gap:40px;align-items:start}@media(max-width:900px){.formsec .grid{grid-template-columns:1fr}}
.formsec .grid>*{min-width:0}
.formsec ul{list-style:none;padding:0;margin:18px 0 0}.formsec li{padding-left:28px;position:relative;margin:10px 0}
.formsec li::before{content:"✓";position:absolute;left:0;top:0;color:var(--amber);font-weight:800}
.formsec .fine{font-size:13px;color:#868c97;margin-top:18px}
.formsec .formwrap{color:var(--ink)}
.apply-grid{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(0,.8fr);gap:40px;padding-bottom:48px;align-items:start}@media(max-width:900px){.apply-grid{grid-template-columns:1fr}}
.trust{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px;box-shadow:var(--shadow);position:sticky;top:96px}
.trust h2{font-size:1.1rem;margin:22px 0 10px}.trust h2:first-child{margin-top:0}@media(max-width:900px){.trust{position:static}}.trust ol{margin:0 0 14px;padding-left:1.2em;font-size:15px}.trust ul{font-size:15px;margin:0 0 6px}
/* footer */
footer.site{background:var(--g-950);color:#a9aeb8;margin-top:48px;font-size:14.5px}
footer.site .wrap{padding-top:52px;padding-bottom:30px}
footer .cols{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:28px}@media(max-width:800px){footer .cols{grid-template-columns:1fr 1fr}}@media(max-width:480px){footer .cols{grid-template-columns:1fr}}
footer h2{color:#fff;font-size:.95rem;margin:0 0 12px;font-family:var(--head);letter-spacing:-.01em}footer h2 a{color:#fff}footer h2 a span{color:var(--amber)}footer ul{list-style:none;padding:0;margin:0}footer li{margin:7px 0}
footer a{color:#d3d6dc;text-decoration:none}footer a:hover{color:var(--amber);text-decoration:underline}
footer .logo{color:#fff}footer .logo small{color:#868c97}
footer .legal{border-top:1px solid #26282d;margin-top:30px;padding-top:20px;font-size:13px;color:#868c97}

/* ===== device refinements (UI/UX audit) ===== */
.apply-flag{display:inline-block;background:var(--warn-bg);border:1px solid var(--warn-line);border-radius:999px;padding:6px 14px;font-size:14.5px;margin:0 0 14px}
/* readable small text */
.logo small{font-size:12.5px}.answer .lbl{font-size:12.5px}
.stats-note{font-size:13px}.decide .fine{font-size:13px}.formsec .fine{font-size:13.5px;line-height:1.55}
/* tables: scroll shadows show there is more to swipe */
table{background:transparent}
.tbl{background:
 linear-gradient(90deg,#fff 30%,rgba(255,255,255,0)) left/40px 100% no-repeat local,
 linear-gradient(270deg,#fff 30%,rgba(255,255,255,0)) right/40px 100% no-repeat local,
 radial-gradient(farthest-side at 0 50%,rgba(16,17,20,.16),transparent) left/14px 100% no-repeat scroll,
 radial-gradient(farthest-side at 100% 50%,rgba(16,17,20,.16),transparent) right/14px 100% no-repeat scroll,#fff;-webkit-overflow-scrolling:touch}
/* how-it-works steps: 3 across down to small tablets */
@media(max-width:800px) and (min-width:641px){.steps{grid-template-columns:repeat(3,1fr)}.steps div{padding:18px}}
/* footer: balanced columns on tablet, two-column link lists on phones */
@media(max-width:800px){footer .cols{grid-template-columns:repeat(3,1fr)}footer .cols>div:first-child{grid-column:1/-1}}
@media(max-width:560px){footer .cols{grid-template-columns:1fr}footer .cols ul{columns:2;column-gap:20px}footer li{break-inside:avoid}}
/* swipe hint for wide tables on small screens (only shown when a table actually overflows) */
.tbl-hint{display:none;font-size:13px;color:var(--muted);margin:-.6em 0 1.2em;text-align:right}
@media(max-width:760px){.tbl.scrolls+.tbl-hint{display:block}}
/* phones: compact chrome so content starts higher */
@media(max-width:480px){.topbar .tb-l{display:none}.topbar{font-size:12.5px}}
@media(max-width:420px){.logo small{display:none}article h1{font-size:1.9rem}header.site .wrap{min-height:60px}details.mnav[open] .panel{top:60px}}
@media(max-width:560px){.cards{gap:12px}.card{padding:16px 18px}.cards.hub .card{padding:18px}}
/* sticky CTA also on tablets (no sidebar below 1000px) */
@media(min-width:761px) and (max-width:999px){
 .mcta{display:flex;position:fixed;bottom:16px;left:50%;right:auto;width:min(560px,calc(100% - 32px));z-index:40;align-items:center;justify-content:space-between;gap:10px;background:rgba(13,14,16,.92);-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);color:#fff;border-radius:18px;padding:10px 10px 10px 18px;box-shadow:var(--shadow-lg);font-size:15px;transform:translate(-50%,160%);transition:transform .25s ease}
 .mcta.show{transform:translate(-50%,0)}.mcta .btn{padding:11px 18px;box-shadow:none}body.has-mcta{padding-bottom:92px}}
/* touch screens: 44px minimum tap targets without changing desktop density */
@media(pointer:coarse){
 nav.main a,nav.main .btn,.mcta .btn{min-height:44px}nav.main a{display:inline-flex;align-items:center}
 .topbar a,.byline a,.crumbs a,footer h2 a{display:inline-block;padding:14px 0;margin:-14px 0}
 .card .more{padding:10px 0;margin-top:2px}
 footer li{margin:0}footer li a{display:inline-block;padding:10px 0}
 .stoc a{padding:12.5px 10px;min-height:44px}
 .btn{min-height:44px}
 .logo{min-height:44px}
 .faq summary{padding:16px 0}
}