:root{
  --paper:#F5F7FA; --panel:#FFFFFF; --ink:#0B1F3A; --muted:#5A6B82; --green:#17734F; --green-soft:#E3F2EA;
  --mint:#7DD3A8; --amber:#B7791F; --amber-soft:#FDF1DC; --rule:#E2E8F0; --rule-strong:#CBD5E1; --bar-base:#0B1F3A;
  --band-1:#0B1F3A; --band-2:#123A63; --band-ink:#FFFFFF; --band-muted:#B9C7DA;
  --shadow:0 1px 2px rgba(11,31,58,.05),0 6px 20px -8px rgba(11,31,58,.14);
  --shadow-lg:0 2px 4px rgba(11,31,58,.06),0 24px 48px -16px rgba(11,31,58,.30);
  --measure:68ch; --r:14px; --r-sm:8px;
  --serif:"Fraunces",Georgia,"Times New Roman",serif;
  color-scheme: light;
}
@media (prefers-color-scheme: dark){
  :root{
    --paper:#0A1626; --panel:#112238; --ink:#E7EEF6; --muted:#9FB1C6; --green:#6FCF9F; --green-soft:#153A2C;
    --mint:#7DD3A8; --amber:#F0B962; --amber-soft:#3A2C14; --rule:#1F3550; --rule-strong:#2C4766; --bar-base:#A9BEDA;
    --band-1:#07111F; --band-2:#0F2C4C; --band-muted:#A6B8CE;
    --shadow:0 1px 2px rgba(0,0,0,.3),0 8px 24px -10px rgba(0,0,0,.5);
    --shadow-lg:0 2px 4px rgba(0,0,0,.3),0 24px 48px -16px rgba(0,0,0,.7);
    color-scheme: dark;
  }
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-padding-top:80px}
body{margin:0;background:var(--paper);color:var(--ink);font:17px/1.65 "Inter",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;-webkit-font-smoothing:antialiased}
a{color:var(--green);text-underline-offset:.2em;text-decoration-thickness:1px;text-decoration-color:color-mix(in srgb,currentColor 45%,transparent)}
a:hover{text-decoration-color:currentColor;text-decoration-thickness:2px}
:focus-visible{outline:3px solid var(--amber);outline-offset:2px;border-radius:4px}
.wrap{max-width:1160px;margin:0 auto;padding:0 24px}
.num{font-variant-numeric:tabular-nums lining-nums}
h1,h2,h3{line-height:1.15;margin:0 0 .5em;text-wrap:balance}
h1{font-family:var(--serif);font-size:clamp(2.1rem,4.6vw,3.4rem);font-weight:700;letter-spacing:-.02em}
h2{font-family:var(--serif);font-size:clamp(1.5rem,2.6vw,2rem);font-weight:600;letter-spacing:-.01em;margin-top:2.4em}
h2::before{content:"";display:block;width:36px;height:3px;border-radius:3px;background:var(--green);margin-bottom:14px}
h3{font-size:1.1rem;font-weight:700;margin-top:1.8em}
p,li{max-width:var(--measure)}
.lede{font-size:1.18rem;color:var(--muted)}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:var(--panel);padding:8px 12px;z-index:20}

/* header */
.site-head{position:sticky;top:0;z-index:10;background:color-mix(in srgb,var(--panel) 88%,transparent);backdrop-filter:saturate(1.4) blur(12px);-webkit-backdrop-filter:saturate(1.4) blur(12px);border-bottom:1px solid var(--rule)}
.site-head .wrap{display:flex;align-items:center;gap:20px;min-height:68px;flex-wrap:wrap}
.brand{display:inline-flex;align-items:center;gap:10px;font-weight:800;font-size:1.18rem;color:var(--ink);text-decoration:none;letter-spacing:-.02em}
.brand b{color:var(--green);font-weight:inherit}
.mark{width:30px;height:30px;flex:none}
.mark rect{fill:var(--band-1)}
.mark path{fill:var(--mint)}
.nav{display:flex;gap:4px;flex-wrap:wrap;font-size:.93rem;font-weight:500}
.nav a{color:var(--ink);text-decoration:none;padding:7px 11px;border-radius:999px;transition:background .15s}
.nav a:hover{background:var(--paper)}
.nav a[aria-current]{background:var(--green-soft);color:var(--green)}
.prime-chip{margin-left:auto;display:inline-flex;align-items:center;gap:8px;font-size:.86rem;color:var(--muted);background:var(--paper);border:1px solid var(--rule);border-radius:999px;padding:6px 14px}
.prime-chip strong{color:var(--ink)}
.dot{width:8px;height:8px;border-radius:50%;background:#22C55E;box-shadow:0 0 0 3px color-mix(in srgb,#22C55E 25%,transparent)}

/* header band (page titles and home hero) */
.band{position:relative;color:var(--band-ink);background:
  radial-gradient(900px 400px at 85% -10%,rgba(125,211,168,.22),transparent 60%),
  radial-gradient(700px 380px at -10% 120%,rgba(70,130,220,.25),transparent 60%),
  linear-gradient(135deg,var(--band-1),var(--band-2));overflow:hidden}
.band::after{content:"";position:absolute;inset:0;pointer-events:none;opacity:.5;
  background-image:linear-gradient(rgba(255,255,255,.05) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.05) 1px,transparent 1px);
  background-size:44px 44px;mask-image:linear-gradient(180deg,#000,transparent 85%);-webkit-mask-image:linear-gradient(180deg,#000,transparent 85%)}
.band .wrap{position:relative;z-index:1;padding-top:30px;padding-bottom:48px}
.band h1{color:#fff;max-width:22ch;margin-top:.15em}
.band .lede{color:var(--band-muted);max-width:60ch}
.band .updated{color:var(--mint)}
.band .crumbs,.band .crumbs a{color:var(--band-muted)}
.band a{color:var(--mint)}
.body{padding-top:8px}
.body > h2:first-child,.body > .cols > div > h2:first-child{margin-top:1.6em}

/* home hero */
.hero{padding:22px 0 8px}
.hero-grid{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,6fr);gap:56px;align-items:center}
.hero p{color:var(--band-muted)}
.hero .lede{color:#DCE6F2}
.updated{display:inline-flex;align-items:center;gap:8px;font-size:.88rem;font-weight:600;color:var(--green);margin:0 0 12px;letter-spacing:.02em}
.hero .updated{background:rgba(125,211,168,.12);border:1px solid rgba(125,211,168,.3);padding:4px 12px;border-radius:999px;color:var(--mint)}
.hero h1{font-size:clamp(2.4rem,5.4vw,4rem)}
.hero a{color:#fff;font-weight:600}

/* rate ladder card */
.ladder{background:var(--panel);color:var(--ink);border:1px solid var(--rule);border-radius:var(--r);padding:26px;box-shadow:var(--shadow-lg)}
.body .ladder{margin:24px 0}
.ladder p{color:inherit}
.ladder-top{display:flex;justify-content:space-between;align-items:center;gap:12px;flex-wrap:wrap;font-weight:600;font-size:.95rem;color:var(--muted)}
.cap-figure{font-family:var(--serif);font-size:clamp(3.4rem,8vw,5.4rem);font-weight:700;line-height:1;letter-spacing:-.03em;margin:10px 0 4px;color:var(--ink)!important}
.cap-caption{color:var(--muted)!important;margin:0 0 18px;font-size:.95rem}
.toggle{display:inline-flex;background:var(--paper);border:1px solid var(--rule);border-radius:999px;padding:3px}
.toggle button{font:inherit;font-size:.88rem;font-weight:600;border:0;background:none;color:var(--muted);padding:6px 16px;border-radius:999px;cursor:pointer}
.toggle button[aria-pressed="true"]{background:var(--ink);color:var(--panel);box-shadow:var(--shadow)}
.amount-row{display:grid;grid-template-columns:auto 1fr;gap:14px;align-items:center;margin:6px 0 18px;padding:14px 16px;background:var(--paper);border-radius:var(--r-sm)}
.amount-row label{font-weight:600;font-size:.92rem}
.amount-row output{grid-column:1/-1;font-weight:800;font-size:1.25rem}
input[type=range]{width:100%;accent-color:var(--green)}
.rungs{list-style:none;margin:0;padding:0;display:grid;gap:6px}
.rung{display:grid;grid-template-columns:11.5rem 1fr 4.4rem;gap:12px;align-items:center;font-size:.9rem;padding:8px 10px;border-radius:var(--r-sm);max-width:none;border:1px solid transparent}
.rung.on{background:var(--amber-soft);border-color:color-mix(in srgb,var(--amber) 35%,transparent)}
.bar{height:12px;display:flex;border-radius:999px;overflow:hidden;background:var(--paper)}
.bar i{display:block;height:100%}
.bar .base{background:var(--bar-base)}
.bar .spread{background:var(--green)}
.rung b{text-align:right}
.legend{display:flex;gap:16px;font-size:.82rem;color:var(--muted);margin-top:14px;flex-wrap:wrap}
.legend span::before{content:"";display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:6px;vertical-align:-1px;background:var(--bar-base)}
.legend span.s::before{background:var(--green)}

/* tables */
.tbl-wrap{overflow-x:auto;margin:18px 0 8px;border:1px solid var(--rule);border-radius:var(--r);background:var(--panel);box-shadow:var(--shadow)}
table{border-collapse:collapse;width:100%;min-width:480px;font-size:.95rem}
th,td{padding:13px 18px;text-align:left;border-bottom:1px solid var(--rule)}
tr:last-child td{border-bottom:0}
th{font-size:.76rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--muted);background:var(--paper)}
tbody tr{transition:background .12s}
tbody tr:hover{background:color-mix(in srgb,var(--green-soft) 50%,transparent)}
td strong{color:var(--green);font-size:1.02rem}
td.r,th.r{text-align:right}
.src{font-size:.85rem;color:var(--muted)}

/* layout bits */
main{padding-bottom:72px}
.cols{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:56px}
.aside{position:sticky;top:92px;align-self:start;margin-top:32px;background:var(--panel);border:1px solid var(--rule);border-radius:var(--r);padding:22px;font-size:.94rem;box-shadow:var(--shadow)}
.aside h2{font-family:inherit;font-size:1rem;font-weight:700;margin:0 0 8px}
.aside h2::before{display:none}
.aside h2:not(:first-child){margin-top:18px;padding-top:18px;border-top:1px solid var(--rule)}
.aside ul{padding-left:18px;margin:0}
.facts{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:12px;margin:22px 0}
.facts div{background:var(--panel);padding:16px 18px;border:1px solid var(--rule);border-radius:var(--r);box-shadow:var(--shadow)}
.facts dt{font-size:.8rem;font-weight:600;text-transform:uppercase;letter-spacing:.05em;color:var(--muted)}
.facts dd{margin:4px 0 0;font-weight:800;font-size:1.35rem;letter-spacing:-.01em}
.crumbs{font-size:.85rem;color:var(--muted);margin:0 0 10px}
.crumbs a{color:var(--muted);text-decoration:none}
.crumbs a:hover{text-decoration:underline}
.note{border:1px solid color-mix(in srgb,var(--amber) 30%,transparent);border-left:4px solid var(--amber);background:var(--amber-soft);padding:16px 20px;border-radius:var(--r-sm);max-width:var(--measure);margin:26px 0}
.steps{counter-reset:s;list-style:none;padding:0}
.steps li{counter-increment:s;padding-left:2.8em;position:relative;margin:0 0 16px}
.steps li::before{content:counter(s);position:absolute;left:0;top:.05em;width:1.9em;height:1.9em;border-radius:50%;background:var(--green-soft);color:var(--green);border:1px solid color-mix(in srgb,var(--green) 30%,transparent);display:grid;place-items:center;font-weight:800;font-size:.85rem}
.link-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:10px;padding:0;list-style:none;margin:18px 0}
.link-grid li{max-width:none;margin:0}
.link-grid li[hidden]{display:none}
.link-grid a{display:flex;align-items:center;justify-content:space-between;gap:10px;height:100%;padding:12px 16px;background:var(--panel);border:1px solid var(--rule);border-radius:var(--r-sm);color:var(--ink);font-weight:600;font-size:.94rem;line-height:1.35;text-decoration:none;transition:border-color .15s,box-shadow .15s,transform .15s}
.link-grid a::after{content:"→";color:var(--green);flex:none;transition:transform .15s}
.link-grid a:hover{border-color:color-mix(in srgb,var(--green) 50%,transparent);box-shadow:var(--shadow);transform:translateY(-1px)}
.link-grid a:hover::after{transform:translateX(3px)}
.link-grid li:has(> small){position:relative;display:flex;align-items:center;gap:10px;background:var(--panel);border:1px solid var(--rule);border-radius:var(--r-sm);padding-right:14px;transition:border-color .15s,box-shadow .15s,transform .15s}
.link-grid li:has(> small):hover{border-color:color-mix(in srgb,var(--green) 50%,transparent);box-shadow:var(--shadow);transform:translateY(-1px)}
.link-grid li:has(> small) a{flex:1;border:0;background:none;box-shadow:none;transform:none;position:static}
.link-grid li:has(> small) a::before{content:"";position:absolute;inset:0}
.link-grid li:has(> small) a::after{display:none}
.link-grid small{flex:none;font-size:.72rem;font-weight:700;color:var(--muted);background:var(--paper);border:1px solid var(--rule);border-radius:6px;padding:2px 6px;white-space:nowrap;pointer-events:none}
.search{width:100%;max-width:440px;font:inherit;padding:12px 16px;border:1px solid var(--rule-strong);border-radius:999px;background:var(--panel);color:var(--ink);box-shadow:var(--shadow)}
.search:focus{outline:none;border-color:var(--green);box-shadow:0 0 0 4px color-mix(in srgb,var(--green) 18%,transparent)}
details{background:var(--panel);border:1px solid var(--rule);border-radius:var(--r-sm);padding:0;margin:0 0 10px;max-width:var(--measure);transition:box-shadow .15s}
details[open]{box-shadow:var(--shadow)}
summary{cursor:pointer;font-weight:600;padding:16px 52px 16px 20px;list-style:none;position:relative}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";position:absolute;right:18px;top:50%;transform:translateY(-50%);width:26px;height:26px;border-radius:50%;background:var(--green-soft);color:var(--green);display:grid;place-items:center;font-weight:700;transition:transform .2s}
details[open] summary::after{transform:translateY(-50%) rotate(45deg)}
details > p{margin:0;padding:0 20px 18px;color:var(--muted)}
.calc{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:18px;background:var(--panel);border:1px solid var(--rule);border-radius:var(--r);padding:26px;margin:24px 0;box-shadow:var(--shadow-lg)}
.calc label{display:block;font-weight:600;font-size:.88rem;margin-bottom:6px;color:var(--muted)}
.calc input,.calc select{width:100%;font:inherit;font-weight:600;padding:11px 12px;border:1px solid var(--rule-strong);border-radius:var(--r-sm);background:var(--paper);color:var(--ink)}
.calc input:focus,.calc select:focus{outline:none;border-color:var(--green);box-shadow:0 0 0 4px color-mix(in srgb,var(--green) 18%,transparent)}
.calc .out{grid-column:1/-1;display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:12px;border-top:1px solid var(--rule);padding-top:18px}
.calc .out > div{background:var(--paper);border-radius:var(--r-sm);padding:14px 16px}
.calc .out strong{display:block;font-family:var(--serif);font-size:1.9rem;font-weight:700;letter-spacing:-.02em}
.calc .out span{color:var(--muted);font-size:.88rem}
.spark{display:flex;align-items:flex-end;gap:12px;height:140px;margin:30px 0 6px;max-width:460px}
.spark div{flex:1;background:linear-gradient(180deg,var(--green),color-mix(in srgb,var(--green) 55%,transparent));border-radius:6px 6px 2px 2px;position:relative}
.spark div:last-child{background:linear-gradient(180deg,var(--amber),color-mix(in srgb,var(--amber) 55%,transparent))}
.spark div span{position:absolute;top:-1.5em;left:0;right:0;text-align:center;font-size:.78rem;font-weight:600}
.spark-l{display:flex;gap:12px;max-width:460px;font-size:.8rem;color:var(--muted)}
.spark-l span{flex:1;text-align:center}
.site-foot{padding:48px 0 52px;font-size:.9rem;color:var(--band-muted);background:var(--band-1)}
.site-foot strong{color:#fff}
.site-foot a{color:var(--band-muted);text-decoration:none;line-height:2}
.site-foot a:hover{color:#fff;text-decoration:underline}
.foot-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:36px}
@media (max-width:1180px){ .prime-chip .upd{display:none} }
@media (max-width:860px){
  .hero-grid,.cols,.foot-grid{grid-template-columns:minmax(0,1fr)}
  .hero-grid{gap:28px}
  .aside{position:static;margin-top:8px}
  .site-head{position:relative}
  .site-head .wrap{gap:6px 16px;padding-top:12px;padding-bottom:10px;min-height:0}
  .nav{order:3;width:calc(100% + 48px);margin:0 -24px;padding:0 20px;flex-wrap:nowrap;overflow-x:auto;white-space:nowrap;scrollbar-width:none}
  .nav::-webkit-scrollbar{display:none}
  .nav a{padding:6px 12px}
  .prime-chip{font-size:.78rem;padding:4px 10px}
  .band .wrap{padding-top:22px;padding-bottom:36px}
  .rung{grid-template-columns:7.2rem 1fr 3.8rem;font-size:.85rem}
  .ladder{padding:20px}
}
@media (max-width:480px){
  .wrap{padding:0 16px}
  table{min-width:0;font-size:.88rem}
  th,td{padding:11px 10px}
  th{font-size:.68rem;letter-spacing:.03em}
  .nav{width:calc(100% + 32px);margin:0 -16px;padding:0 12px}
  .prime-chip .upd{display:none}
}
@media (prefers-reduced-motion:no-preference){ .bar i{transition:width .35s ease} }