/*! tailwindcss v4.3.0 | MIT License | https://tailwindcss.com */@layer properties{@supports (((-webkit-hyphens:none)) and (not (margin-trim:inline))) or ((-moz-orient:inline) and (not (color:rgb(from red r g b)))){*,::backdrop,:after,:before{--tw-border-style:solid;--tw-blur:initial;--tw-brightness:initial;--tw-contrast:initial;--tw-grayscale:initial;--tw-hue-rotate:initial;--tw-invert:initial;--tw-opacity:initial;--tw-saturate:initial;--tw-sepia:initial;--tw-drop-shadow:initial;--tw-drop-shadow-color:initial;--tw-drop-shadow-alpha:100%;--tw-drop-shadow-size:initial}}}@layer theme{:host,:root{--font-sans:ui-sans-serif,system-ui,sans-serif,"Apple Color Emoji","Segoe UI Emoji","Segoe UI Symbol","Noto Color Emoji";--font-mono:ui-monospace,SFMono-Regular,Menlo,Monaco,Consolas,"Liberation Mono","Courier New",monospace;--radius-sm:8px;--radius-md:14px;--radius-lg:20px;--radius-xl:28px;--default-font-family:var(--font-sans);--default-font-feature-settings:var(--font-sans--font-feature-settings);--default-font-variation-settings:var(--font-sans--font-variation-settings);--default-mono-font-family:var(--font-mono);--default-mono-font-feature-settings:var(--font-mono--font-feature-settings);--default-mono-font-variation-settings:var(--font-mono--font-variation-settings)}}@layer base{*,::backdrop,:after,:before{box-sizing:border-box;border:0 solid;margin:0;padding:0}::file-selector-button{box-sizing:border-box;border:0 solid;margin:0;padding:0}:host,html{-webkit-text-size-adjust:100%;tab-size:4;line-height:1.5;font-family:var(--default-font-family,ui-sans-serif,system-ui,sans-serif,"Apple Color Emoji","Segoe UI Emoji","Segoe UI Symbol","Noto Color Emoji");font-feature-settings:var(--default-font-feature-settings,normal);font-variation-settings:var(--default-font-variation-settings,normal);-webkit-tap-highlight-color:transparent}body{line-height:inherit}hr{height:0;color:inherit;border-top-width:1px}abbr:where([title]){-webkit-text-decoration:underline dotted;text-decoration:underline dotted}h1,h2,h3,h4,h5,h6{font-size:inherit;font-weight:inherit}a{color:inherit;-webkit-text-decoration:inherit;text-decoration:inherit}b,strong{font-weight:bolder}code,kbd,pre,samp{font-family:var(--default-mono-font-family,ui-monospace,SFMono-Regular,Menlo,Monaco,Consolas,"Liberation Mono","Courier New",monospace);font-feature-settings:var(--default-mono-font-feature-settings,normal);font-variation-settings:var(--default-mono-font-variation-settings,normal);font-size:1em}small{font-size:80%}sub,sup{vertical-align:baseline;font-size:75%;line-height:0;position:relative}sub{bottom:-.25em}sup{top:-.5em}table{text-indent:0;border-color:inherit;border-collapse:collapse}:-moz-focusring{outline:auto}progress{vertical-align:baseline}summary{display:list-item}menu,ol,ul{list-style:none}audio,canvas,embed,iframe,img,object,svg,video{vertical-align:middle;display:block}img,video{max-width:100%;height:auto}button,input,optgroup,select,textarea{font:inherit;font-feature-settings:inherit;font-variation-settings:inherit;letter-spacing:inherit;color:inherit;opacity:1;background-color:#0000;border-radius:0}::file-selector-button{font:inherit;font-feature-settings:inherit;font-variation-settings:inherit;letter-spacing:inherit;color:inherit;opacity:1;background-color:#0000;border-radius:0}:where(select:is([multiple],[size])) optgroup{font-weight:bolder}:where(select:is([multiple],[size])) optgroup option{padding-inline-start:20px}::file-selector-button{margin-inline-end:4px}::placeholder{opacity:1;color:currentColor}@supports (color:color-mix(in lab,red,red)){::placeholder{color:color-mix(in oklab,currentColor 50%,transparent)}}textarea{resize:vertical}::-webkit-search-decoration{-webkit-appearance:none}::-webkit-date-and-time-value{min-height:1lh;text-align:inherit}::-webkit-datetime-edit{display:inline-flex}::-webkit-datetime-edit-fields-wrapper{padding:0}::-webkit-datetime-edit,::-webkit-datetime-edit-year-field{padding-block:0}::-webkit-datetime-edit-day-field,::-webkit-datetime-edit-month-field{padding-block:0}::-webkit-datetime-edit-hour-field,::-webkit-datetime-edit-minute-field{padding-block:0}::-webkit-datetime-edit-millisecond-field,::-webkit-datetime-edit-second-field{padding-block:0}::-webkit-datetime-edit-meridiem-field{padding-block:0}:-moz-ui-invalid{box-shadow:none}button,input:where([type=button],[type=reset],[type=submit]){appearance:button}::file-selector-button{appearance:button}::-webkit-inner-spin-button,::-webkit-outer-spin-button{height:auto}[hidden]:where(:not([hidden=until-found])){display:none!important}}@layer components;@layer utilities{.visible{visibility:visible}.absolute{position:absolute}.container{width:100%}@media (min-width:40rem){.container{max-width:40rem}}@media (min-width:48rem){.container{max-width:48rem}}@media (min-width:64rem){.container{max-width:64rem}}@media (min-width:80rem){.container{max-width:80rem}}@media (min-width:96rem){.container{max-width:96rem}}.block{display:block}.flex{display:flex}.grid{display:grid}.inline-grid{display:inline-grid}.border{border-style:var(--tw-border-style);border-width:1px}.filter{filter:var(--tw-blur,) var(--tw-brightness,) var(--tw-contrast,) var(--tw-grayscale,) var(--tw-hue-rotate,) var(--tw-invert,) var(--tw-saturate,) var(--tw-sepia,) var(--tw-drop-shadow,)}}.nav{z-index:50;-webkit-backdrop-filter:saturate(180%)blur(20px);border-bottom:1px solid var(--border);background:#fafaf7d9;position:sticky;top:0}.nav__inner{gap:32px;max-width:1280px;margin:0 auto;padding:14px 24px}.logo,.nav__inner{align-items:center;display:flex}.logo{font-family:var(--font-display);color:var(--fg);gap:10px;font-size:20px;font-weight:600}.logo__mark{background:linear-gradient(135deg,var(--accent),var(--accent-2));color:#fff;width:32px;height:32px;font-family:var(--font-body);border-radius:10px;place-items:center;font-size:14px;font-weight:700;display:grid}.nav__menu{flex:1;align-items:center;gap:4px;min-width:0;display:flex}.nav__menu a{transition:color .15s,background .15s}.nav__menu a:hover{color:var(--fg);background:#00000008}.nav__search{background:var(--surface);border:1px solid var(--border);width:200px;max-width:200px;color:var(--muted);border-radius:999px;flex-shrink:0;align-items:center;gap:8px;padding:8px 14px;font-size:14px;transition:border-color .15s;display:flex}.nav__search:hover{border-color:var(--border-strong)}.nav__search input{font-family:inherit}.nav__search kbd{font-family:var(--font-mono);background:var(--surface-2);color:var(--subtle);border-radius:4px;padding:2px 6px;font-size:11px}.nav__burger{color:var(--fg);background:0 0;border:0;padding:8px;display:none}@media (max-width:900px){.nav__inner{gap:16px;padding:12px 16px}.nav__menu,.nav__search{display:none}.nav__burger{margin-left:auto;display:block}}.hero__eyebrow{background:var(--surface);border:1px solid var(--border);color:var(--muted);border-radius:999px;align-items:center;gap:8px;margin-bottom:24px;padding:6px 12px;font-size:13px;display:inline-flex}.hero__eyebrow .dot{background:var(--success);border-radius:50%;width:6px;height:6px;animation:pulse 2s ease-in-out infinite}@keyframes pulse{50%{opacity:.5}}.hero__title{color:var(--fg);font-size:clamp(36px,5vw,56px)}.hero__bullets{flex-wrap:wrap;gap:16px 24px;margin-bottom:32px;display:flex}.hero__bullet{color:var(--fg);align-items:center;gap:10px;font-size:14px;display:flex}.hero__bullet svg{width:18px;height:18px;color:var(--success);flex-shrink:0}.calc{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-xl);padding:28px;box-shadow:0 12px 32px -8px #00000014}.calc__header{justify-content:space-between;align-items:center;margin-bottom:20px;display:flex}.calc__title{font-family:var(--font-display);font-size:20px;font-weight:600}.calc__tabs{background:var(--surface-2);border-radius:999px;gap:4px;padding:4px;display:flex}.calc__tab{color:var(--muted);background:0 0;border:0;border-radius:999px;padding:6px 14px;font-size:13px;font-weight:500;transition:all .2s}.calc__tab.is-active{background:var(--surface);color:var(--fg);box-shadow:0 1px 2px #0000000f}.calc__field{margin-bottom:18px}.calc__row{justify-content:space-between;align-items:baseline;margin-bottom:8px;display:flex}.calc__label{color:var(--muted);font-size:13px;font-weight:500}.calc__value{font-family:var(--font-display);font-variant-numeric:tabular-nums;font-size:20px;font-weight:600}.calc__slider{appearance:none;background:var(--surface-2);cursor:pointer;border-radius:999px;outline:0;width:100%;height:6px}.calc__slider::-webkit-slider-thumb{appearance:none;background:var(--accent);cursor:pointer;border:3px solid var(--surface);border-radius:50%;width:22px;height:22px;box-shadow:0 2px 6px #00000026}.calc__slider::-moz-range-thumb{background:var(--accent);cursor:pointer;border:3px solid var(--surface);border-radius:50%;width:22px;height:22px;box-shadow:0 2px 6px #00000026}.calc__result{border-top:1px dashed var(--border);grid-template-columns:1fr 1fr;gap:16px;margin-top:24px;padding-top:24px;display:grid}.calc__result-block .calc__label{margin-bottom:4px}.calc__result-value{font-family:var(--font-display);letter-spacing:-.01em;font-variant-numeric:tabular-nums;font-size:28px;font-weight:700;line-height:1}.calc__result-value.is-primary{color:var(--accent);font-size:34px}.calc__result-sub{color:var(--subtle);margin-top:4px;font-size:12px}.calc__cta{background:var(--fg);width:100%;color:var(--bg);border:0;border-radius:12px;justify-content:center;align-items:center;gap:8px;margin-top:20px;padding:14px 20px;font-size:15px;font-weight:600;transition:transform .15s,background .15s;display:flex}.calc__cta:hover{background:var(--accent);transform:translateY(-1px)}@media (max-width:920px){.hero__inner{grid-template-columns:1fr;gap:36px}.hero{padding:36px 16px 56px}.calc{padding:20px}.calc__result{grid-template-columns:1fr;gap:12px}.calc__result-value{font-size:24px}.calc__result-value.is-primary{font-size:28px}}.section__head{align-items:end;gap:20px}.section__title{font-size:clamp(28px,3vw,36px)}.section__sub{margin-top:6px;font-size:15px}.section__more{color:var(--accent);flex-shrink:0;align-items:center;gap:4px;font-size:14px;font-weight:500;display:inline-flex}.section__more:hover{text-decoration:underline}.topics{grid-template-columns:repeat(4,1fr);gap:16px;display:grid}.topic{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);flex-direction:column;gap:16px;min-height:200px;padding:24px;transition:transform .2s,border-color .2s,box-shadow .2s;display:flex}.topic:hover{border-color:var(--border-strong);transform:translateY(-3px);box-shadow:0 8px 24px -8px #00000014}.topic__icon{border-radius:12px;place-items:center;width:44px;height:44px;font-size:22px;display:grid}.topic__icon--blue{color:oklch(45% .15 220);background:oklch(95% .03 220)}.topic__icon--green{color:oklch(45% .15 150);background:oklch(95% .04 150)}.topic__icon--orange{color:oklch(50% .16 50);background:oklch(96% .04 70)}.topic__icon--purple{color:oklch(50% .15 290);background:oklch(95% .03 290)}.topic__title{font-family:var(--font-display);font-size:18px;font-weight:600;line-height:1.25}.topic__count{color:var(--muted);margin-top:auto;font-size:13px}@media (max-width:900px){.topics{grid-template-columns:repeat(2,1fr)}}@media (max-width:480px){.topics{grid-template-columns:1fr}}.articles{grid-template-columns:2fr 1fr;gap:24px;display:grid}.article--featured{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);grid-template-rows:280px auto;transition:transform .2s;display:grid;overflow:hidden}.article--featured:hover{transform:translateY(-2px)}.article__cover{background:linear-gradient(135deg,oklch(85% .08 210),oklch(75% .12 195));position:relative;overflow:hidden}.article__cover-illustration{place-items:center;display:grid;position:absolute;inset:0}.article__cover-illustration svg{opacity:.9;width:70%;height:70%}.article__cover-tag{-webkit-backdrop-filter:blur(8px);backdrop-filter:blur(8px);color:var(--accent);letter-spacing:.02em;background:#fffffff2;border-radius:999px;padding:6px 12px;font-size:12px;font-weight:600;position:absolute;top:16px;left:16px}.article__body{padding:24px 28px 28px}.article__meta{color:var(--muted);align-items:center;gap:12px;margin-bottom:12px;font-size:13px;display:flex}.article__meta .dot{background:var(--subtle);border-radius:50%;width:3px;height:3px}.article__title{font-family:var(--font-display);letter-spacing:-.01em;margin-bottom:10px;font-size:24px;font-weight:600;line-height:1.25}.article__excerpt{color:var(--muted);font-size:15px;line-height:1.55}.article-list{flex-direction:column;gap:12px;display:flex}.article-list__item{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-md);padding:18px 20px;transition:border-color .2s,transform .2s}.article-list__item:hover{border-color:var(--border-strong);transform:translate(2px)}.article-list__tag{color:var(--accent);text-transform:uppercase;letter-spacing:.05em;margin-bottom:8px;font-size:11px;font-weight:600}.article-list__title{font-family:var(--font-display);margin-bottom:8px;font-size:16px;font-weight:600;line-height:1.3}.article-list__meta{color:var(--muted);font-size:12px}@media (max-width:900px){.articles{grid-template-columns:1fr}.article--featured{grid-template-rows:200px auto}}.compare{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);overflow:hidden}.compare__head{background:var(--surface-2);border-bottom:1px solid var(--border);flex-wrap:wrap;align-items:center;gap:12px;padding:20px 24px;display:flex}.compare__filter{background:var(--surface);border:1px solid var(--border);color:var(--muted);cursor:pointer;border-radius:999px;padding:6px 14px;font-size:13px;font-weight:500;transition:all .15s}.compare__filter.is-active{background:var(--fg);color:var(--bg);border-color:var(--fg)}.compare__filter:hover:not(.is-active){border-color:var(--border-strong);color:var(--fg)}.compare__table{border-collapse:collapse;width:100%}.compare__table th{text-align:left;color:var(--muted);text-transform:uppercase;letter-spacing:.05em;border-bottom:1px solid var(--border);padding:14px 24px;font-size:12px;font-weight:600}.compare__table td{border-bottom:1px solid var(--border);vertical-align:middle;padding:18px 24px;font-size:15px}.compare__table tr:last-child td{border-bottom:0}.compare__table tr:hover td{background:oklch(99% 0 0)}.bank-cell{align-items:center;gap:14px;display:flex}.bank-cell__logo{color:#fff;border-radius:10px;flex-shrink:0;place-items:center;width:40px;height:40px;font-size:14px;font-weight:700;display:grid}.bank-cell__name{font-size:15px;font-weight:600}.bank-cell__sub{color:var(--muted);margin-top:2px;font-size:12px}.rate{font-family:var(--font-display);color:var(--fg);font-variant-numeric:tabular-nums;font-size:20px;font-weight:700}.rate__sub{color:var(--muted);font-size:12px;font-weight:400;font-family:var(--font-body)}.pill{border-radius:999px;padding:4px 10px;font-size:12px;font-weight:500;display:inline-block}.pill--soft{background:var(--accent-soft);color:var(--accent)}.pill--green{color:var(--success);background:oklch(96% .04 150)}.compare__cta{color:var(--accent);border:1px solid var(--border);background:var(--surface);border-radius:999px;padding:6px 12px;font-size:13px;font-weight:500}.compare__cta:hover{background:var(--accent-soft);border-color:var(--accent)}@media (max-width:720px){.compare__table thead{display:none}.compare__table,.compare__table tbody,.compare__table td,.compare__table tr{width:100%;display:block}.compare__table tr{border-bottom:1px solid var(--border);padding:16px 20px}.compare__table td{border:0;padding:6px 0}.compare__table td:first-child{margin-bottom:10px}}.news{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);padding:28px}.news__title{font-family:var(--font-display);margin-bottom:4px;font-size:20px;font-weight:600}.news__sub{color:var(--muted);margin-bottom:24px;font-size:14px}.news__rate{background:var(--surface-2);border-radius:var(--radius-md);justify-content:space-between;align-items:end;margin-bottom:20px;padding:20px;display:flex}.news__rate-label{color:var(--muted);margin-bottom:6px;font-size:13px}.news__rate-value{font-family:var(--font-display);color:var(--fg);font-variant-numeric:tabular-nums;font-size:40px;font-weight:700;line-height:1}.news__rate-delta{color:var(--success);align-items:center;gap:4px;font-size:13px;display:flex}.news__rate-delta.is-up{color:var(--danger)}.news__list{flex-direction:column;gap:14px;display:flex}.news__item{border-bottom:1px solid var(--border);gap:14px;padding-bottom:14px;display:flex}.news__item:last-child{border-bottom:0;padding-bottom:0}.news__item-date{font-family:var(--font-mono);color:var(--subtle);flex-shrink:0;min-width:60px;padding-top:2px;font-size:12px}.news__item-text{color:var(--fg);font-size:14px;line-height:1.45}.cta-strip{background:linear-gradient(135deg,var(--fg) 0,oklch(28% .04 220) 100%);border-radius:var(--radius-xl);color:var(--bg);grid-template-columns:1.4fr 1fr;align-items:center;gap:32px;margin-top:24px;padding:48px;display:grid}.cta-strip h2{font-family:var(--font-display);letter-spacing:-.01em;margin-bottom:12px;font-size:clamp(24px,3vw,32px);font-weight:600;line-height:1.2}.cta-strip p{color:oklch(80% .01 220);font-size:15px;line-height:1.55}.cta-strip__form{background:var(--bg);border-radius:999px;gap:6px;padding:6px;display:flex}.cta-strip__form input{color:var(--fg);background:0 0;border:0;outline:0;flex:1;padding:10px 16px;font-family:inherit;font-size:14px}.cta-strip__form button{background:var(--accent);color:#fff;border:0;border-radius:999px;padding:10px 20px;font-size:14px;font-weight:600;transition:background .15s}.cta-strip__form button:hover{background:oklch(42% .13 210)}@media (max-width:720px){.cta-strip{grid-template-columns:1fr;padding:28px}}.footer__inner{max-width:1280px;margin:0 auto;padding:56px 24px 32px}.footer__grid{grid-template-columns:2fr 1fr 1fr 1fr;gap:48px;margin-bottom:48px;display:grid}.footer__brand-text{color:var(--muted);max-width:320px;margin-top:16px;font-size:14px;line-height:1.6}.footer__col-title{color:var(--fg)}.footer__list{flex-direction:column;gap:10px;list-style:none;display:flex}.footer__list a{transition:color .15s}.footer__list a:hover{color:var(--accent)}.footer__bottom{border-top:1px solid var(--border);color:var(--subtle);flex-wrap:wrap;justify-content:space-between;gap:16px;padding-top:24px;font-size:13px;display:flex}@media (max-width:720px){.footer__grid{grid-template-columns:1fr 1fr;gap:32px}}@media (max-width:480px){.footer__grid{grid-template-columns:1fr}}.two-col{grid-template-columns:2fr 1fr;gap:24px;display:grid}@media (max-width:900px){.two-col{grid-template-columns:1fr}}.progress{z-index:100;pointer-events:none;height:3px;position:fixed;top:0;left:0;right:0}.progress__bar{background:linear-gradient(90deg,var(--accent),var(--accent-2));width:0;height:100%;transition:width 80ms linear}.article-head{background:radial-gradient(ellipse 70% 50% at 50% 0,var(--accent-soft) 0,transparent 70%),var(--bg);padding:48px 24px 56px}.article-head__inner{max-width:760px;margin:0 auto}.breadcrumbs a{color:var(--muted)}.breadcrumbs a:hover{color:var(--accent)}.breadcrumbs .sep{color:var(--subtle)}.article-tag{background:var(--accent-soft);color:var(--accent);text-transform:uppercase;letter-spacing:.04em;border-radius:999px;padding:4px 12px;font-size:12px;display:inline-block}.article-tag,.article-title{margin-bottom:20px;font-weight:600}.article-title{letter-spacing:-.02em;font-size:clamp(32px,5vw,48px);line-height:1.1}.article-lead,.article-title{font-family:var(--font-display)}.article-lead{color:var(--muted);margin-bottom:32px;font-size:clamp(18px,2vw,22px);font-weight:400;line-height:1.5}.article-meta{border-top:1px solid var(--border);flex-wrap:wrap;gap:16px;padding-top:24px;font-size:14px}.article-meta,.author{align-items:center;display:flex}.author{gap:10px}.author__avatar{color:#fff;background:linear-gradient(135deg,oklch(75% .1 30),oklch(65% .13 50));border-radius:50%;place-items:center;width:36px;height:36px;font-size:14px;font-weight:600;display:grid}.author__info{flex-direction:column;gap:2px;display:flex}.author__name{font-size:14px;font-weight:600}.author__role{color:var(--muted);font-size:12px}.article-meta .dot{background:var(--subtle);border-radius:50%;width:3px;height:3px}.article-meta .meta-item{color:var(--muted)}.article-layout{grid-template-columns:1fr 760px 1fr;gap:32px;max-width:1200px;margin:0 auto;padding:0 24px 80px;display:grid}.article-aside--left,.article-aside--right{padding-top:48px}.toc{padding-right:16px;position:sticky;top:90px}.toc__title{color:var(--muted);text-transform:uppercase;letter-spacing:.05em;margin-bottom:16px;font-size:12px;font-weight:600}.toc__list{flex-direction:column;gap:4px;list-style:none;display:flex}.toc__link{color:var(--muted);border-left:2px solid #0000;border-radius:8px;padding:8px 12px;font-size:13px;line-height:1.4;transition:all .15s;display:block}.toc__link:hover{color:var(--fg);background:#00000008}.toc__link.is-active{color:var(--accent);border-left-color:var(--accent);background:var(--accent-soft);font-weight:500}.share{flex-direction:column;gap:8px;padding-left:16px;display:flex;position:sticky;top:90px}.share__title{color:var(--muted);text-transform:uppercase;letter-spacing:.05em;margin-bottom:4px;font-size:12px;font-weight:600}.share__btn{background:var(--surface);border:1px solid var(--border);width:40px;height:40px;color:var(--muted);border-radius:50%;place-items:center;transition:all .15s;display:grid}.share__btn:hover{color:var(--accent);border-color:var(--accent);background:var(--accent-soft)}.article-body{font-family:var(--font-display);color:var(--fg);padding-top:48px;font-size:19px;line-height:1.7}.article-body p{text-wrap:pretty;margin-bottom:22px}.article-body p:has(+h2),.article-body p:has(+h3){margin-bottom:28px}.article-body h2{margin:56px 0 20px;font-size:32px;line-height:1.15}.article-body h2,.article-body h3{font-family:var(--font-display);letter-spacing:-.01em;scroll-margin-top:90px;font-weight:600}.article-body h3{margin:36px 0 16px;font-size:22px;line-height:1.25}.article-body strong{color:var(--fg);font-weight:600}.article-body a{color:var(--accent);border-bottom:1px solid var(--accent-soft);transition:border-color .15s}.article-body a:hover{border-bottom-color:var(--accent)}.article-body ol,.article-body ul{margin:0 0 22px 24px;padding-left:8px}.article-body li{margin-bottom:8px;padding-left:6px}.article-body ul li::marker{color:var(--accent)}.article-body blockquote{background:var(--accent-soft);border-radius:var(--radius-md);border-left:4px solid var(--accent);margin:32px 0;padding:20px 28px;font-size:18px;font-style:normal;line-height:1.55}.article-body blockquote p:last-child{margin-bottom:0}.article-body blockquote cite{font-family:var(--font-body);color:var(--muted);margin-top:12px;font-size:13px;font-style:normal;display:block}.callout{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-md);font-family:var(--font-body);gap:16px;margin:28px 0;padding:20px 24px;font-size:15px;line-height:1.55;display:flex}.callout__icon{border-radius:10px;flex-shrink:0;place-items:center;width:36px;height:36px;font-size:18px;display:grid}.callout__icon--tip{background:oklch(95% .04 150)}.callout__icon--warn{background:oklch(96% .05 80)}.callout__icon--example{background:var(--accent-soft)}.callout__title{color:var(--fg);margin-bottom:4px;font-weight:600}.callout__body{color:var(--muted)}.callout__body strong{color:var(--fg)}.mini-calc{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);font-family:var(--font-body);margin:32px 0;padding:28px;font-size:15px}.mini-calc__title{font-family:var(--font-display);margin-bottom:16px;font-size:18px;font-weight:600}.mini-calc__grid{grid-template-columns:repeat(3,1fr);gap:16px;margin-bottom:16px;display:grid}.mini-calc__cell{background:var(--surface-2);border-radius:var(--radius-sm);padding:14px 16px}.mini-calc__cell-label{color:var(--muted);margin-bottom:4px;font-size:12px}.mini-calc__cell-value{font-family:var(--font-display);font-variant-numeric:tabular-nums;font-size:18px;font-weight:600}.mini-calc__result{border-top:1px dashed var(--border);justify-content:space-between;align-items:center;padding-top:16px;display:flex}.mini-calc__result-label{color:var(--muted);font-size:13px}.mini-calc__result-value{font-family:var(--font-display);color:var(--accent);font-variant-numeric:tabular-nums;font-size:26px;font-weight:700}.mini-calc__cta{color:var(--accent);align-items:center;gap:6px;margin-top:16px;font-size:14px;font-weight:500;display:inline-flex}.mini-calc__cta:hover{text-decoration:underline}.compare-inline{border:1px solid var(--border);border-radius:var(--radius-md);font-family:var(--font-body);margin:28px 0;font-size:14px;overflow:hidden}.compare-inline table{border-collapse:collapse;width:100%}.compare-inline td,.compare-inline th{text-align:left;border-bottom:1px solid var(--border);padding:14px 18px}.compare-inline th{background:var(--surface-2);color:var(--muted);text-transform:uppercase;letter-spacing:.04em;font-size:13px;font-weight:600}.compare-inline tr:last-child td{border-bottom:0}.compare-inline td strong{font-weight:600}.article-end{border-top:1px solid var(--border);max-width:760px;margin:56px auto 0;padding:32px 24px 0}.author-bio{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);align-items:start;gap:20px;margin-top:32px;padding:24px;display:flex}.author-bio__avatar{color:#fff;background:linear-gradient(135deg,oklch(75% .1 30),oklch(65% .13 50));border-radius:50%;flex-shrink:0;place-items:center;width:56px;height:56px;font-weight:600;display:grid}.author-bio__name{font-family:var(--font-display);margin-bottom:4px;font-size:17px;font-weight:600}.author-bio__role{color:var(--muted);margin-bottom:8px;font-size:13px}.author-bio__bio{color:var(--muted);font-size:14px;line-height:1.55}.related{max-width:1200px;margin:0 auto;padding:64px 24px}.related__title{font-family:var(--font-display);margin-bottom:24px;font-size:28px;font-weight:600}.related__grid{grid-template-columns:repeat(3,1fr);gap:20px;display:grid}.related__card:hover{border-color:var(--border-strong);transform:translateY(-2px)}.related__tag{color:var(--accent);text-transform:uppercase;letter-spacing:.05em;font-size:11px;font-weight:600}.related__heading{font-family:var(--font-display);font-size:17px;font-weight:600;line-height:1.3}.related__meta{color:var(--muted);margin-top:auto;font-size:12px}.footer{margin-top:0}.footer__col-title{margin-bottom:14px;font-size:13px;font-weight:600}.footer__list a{color:var(--muted);font-size:14px}@media (max-width:1100px){.article-layout{grid-template-columns:1fr min(720px,100%) 1fr;gap:16px}.share,.toc{font-size:12px}}@media (max-width:920px){.article-layout{grid-template-columns:1fr;padding:0 20px 60px}.article-aside--left,.article-aside--right{display:none}.article-body{padding-top:32px;font-size:17px}.article-body h2{margin:40px 0 16px;font-size:26px}.article-body h3{margin:28px 0 12px;font-size:20px}.related__grid{grid-template-columns:1fr}.footer__grid,.mini-calc__grid{grid-template-columns:1fr 1fr}.footer__grid{gap:32px}}@media (max-width:600px){.article-head{padding:32px 20px 40px}.article-title{font-size:clamp(26px,7vw,36px)}.article-lead{font-size:17px}.author-bio{flex-direction:column;gap:14px}.footer__grid{grid-template-columns:1fr}}.nav__menu a{border-radius:999px;font-weight:500}.nav__menu a,.nav__search-mini{color:var(--muted);padding:8px 14px;font-size:14px}.nav__search-mini{background:var(--surface);border:1px solid var(--border);width:220px;border-radius:999px;align-items:center;gap:8px;display:flex}.nav__search-mini input{color:var(--fg);background:0 0;border:0;outline:0;flex:1;min-width:0;font-size:14px}@media (max-width:900px){.nav__inner{gap:16px;padding:12px 16px}.nav__menu,.nav__search-mini{display:none}.nav__burger{margin-left:auto;display:block}}.breadcrumbs{align-items:center;gap:8px;margin-bottom:20px}.breadcrumbs,.page-head__meta{color:var(--muted);flex-wrap:wrap;font-size:13px;display:flex}.page-head__meta{gap:24px;margin-top:28px}.page-head__meta strong{color:var(--fg);font-weight:600}.search-bar{max-width:1280px;margin:0 auto;padding:0 24px}.search-bar__inner{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);align-items:center;gap:8px;padding:12px;display:flex;box-shadow:0 1px 2px #00000008}.search-bar__input{align-items:center;gap:12px;padding:8px 14px;display:flex}.search-bar__input svg{color:var(--muted);flex-shrink:0}.search-bar__input input{color:var(--fg);background:0 0;border:0;outline:0;flex:1;font-size:16px}.search-bar__input input::placeholder{color:var(--subtle)}.search-bar__sort{background:var(--bg);border:1px solid var(--border);color:var(--fg);border-radius:10px;align-items:center;gap:8px;padding:0 14px;font-size:14px;display:flex;position:relative}.search-bar__sort select{font:inherit;color:inherit;appearance:none;cursor:pointer;background:0 0;border:0;outline:0;padding:10px 24px 10px 0}.search-bar__sort:after{content:"▾";color:var(--muted);pointer-events:none;font-size:10px;position:absolute;top:50%;right:12px;transform:translateY(-50%)}.topic-filters{flex-wrap:wrap;gap:8px;max-width:1280px;margin:0 auto;padding:28px 24px 32px;display:flex}.topic-chip{background:var(--surface);border:1px solid var(--border);color:var(--muted);border-radius:999px;align-items:center;gap:6px;padding:8px 14px;font-size:13px;font-weight:500;transition:all .15s;display:inline-flex}.topic-chip:hover:not(.is-active){border-color:var(--border-strong);color:var(--fg)}.topic-chip.is-active{background:var(--fg);color:var(--bg);border-color:var(--fg)}.topic-chip__count{font-variant-numeric:tabular-nums;background:#ffffff26;border-radius:999px;padding:1px 7px;font-size:11px;font-weight:600}.topic-chip:not(.is-active) .topic-chip__count{background:var(--surface-2);color:var(--subtle)}.featured{max-width:1280px;margin:0 auto;padding:32px 24px 0}.featured__title{color:var(--muted);text-transform:uppercase;letter-spacing:.05em;margin-bottom:16px;font-size:12px;font-weight:600}.featured__card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);grid-template-columns:1.4fr 1fr;gap:0;transition:transform .2s,box-shadow .2s;display:grid;overflow:hidden}.featured__card:hover{transform:translateY(-2px);box-shadow:0 12px 32px -16px #0000001a}.featured__cover{background:linear-gradient(135deg,oklch(85% .08 210),oklch(75% .12 195));min-height:360px;position:relative;overflow:hidden}.featured__cover-tag{-webkit-backdrop-filter:blur(8px);backdrop-filter:blur(8px);color:var(--accent);letter-spacing:.02em;background:#fffffff2;border-radius:999px;align-items:center;gap:6px;padding:8px 14px;font-size:12px;font-weight:600;display:flex;position:absolute;top:20px;left:20px}.featured__cover-tag:before{content:"★";color:var(--warn)}.featured__illustration{place-items:center;display:grid;position:absolute;inset:0}.featured__illustration svg{opacity:.95;width:70%;height:70%}.featured__body{flex-direction:column;justify-content:center;padding:40px 36px;display:flex}.featured__meta{color:var(--muted);flex-wrap:wrap;align-items:center;gap:12px;margin-bottom:16px;font-size:13px;display:flex}.featured__meta .dot{background:var(--subtle);border-radius:50%;width:3px;height:3px}.featured__heading{font-family:var(--font-display);letter-spacing:-.01em;margin-bottom:14px;font-size:clamp(24px,2.8vw,32px);font-weight:600;line-height:1.2}.featured__excerpt{color:var(--muted);margin-bottom:24px;font-size:16px;line-height:1.55}.featured__read{color:var(--accent);align-items:center;gap:8px;font-size:14px;font-weight:600;display:inline-flex}.featured__read:hover{gap:12px}@media (max-width:900px){.featured__card{grid-template-columns:1fr}.featured__cover{min-height:240px}.featured__body{padding:28px 24px}}.trending{grid-template-columns:1fr 320px;align-items:start;gap:32px;max-width:1280px;margin:0 auto;padding:32px 24px 0;display:grid}@media (max-width:980px){.trending{grid-template-columns:1fr}}.section__head{flex-wrap:wrap;justify-content:space-between;align-items:baseline;gap:16px;margin-bottom:20px;padding-bottom:12px;display:flex}.section__title{font-size:24px}.section__sub{font-size:13px}.articles{max-width:1280px;margin:0 auto;padding:40px 24px 24px}.articles__head{border-bottom:1px solid var(--border);flex-wrap:wrap;justify-content:space-between;align-items:baseline;gap:16px;margin-bottom:24px;padding-bottom:16px;display:flex}.articles__title{font-family:var(--font-display);letter-spacing:-.01em;font-size:28px;font-weight:600}.articles__count{color:var(--muted);font-size:14px}.articles__count strong{color:var(--fg);font-weight:600}.articles__grid{grid-template-columns:repeat(3,1fr);gap:20px;display:grid}@media (max-width:980px){.articles__grid{grid-template-columns:repeat(2,1fr)}}@media (max-width:640px){.articles__grid{grid-template-columns:1fr}}.article-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);flex-direction:column;transition:transform .2s,border-color .2s,box-shadow .2s;display:flex;overflow:hidden}.article-card:hover{border-color:var(--border-strong);transform:translateY(-3px);box-shadow:0 8px 24px -12px #00000014}.article-card__cover{aspect-ratio:16/10;position:relative;overflow:hidden}.article-card__cover-bg{place-items:center;display:grid;position:absolute;inset:0}.article-card__cover-bg svg{opacity:.9;width:50%;height:50%}.article-card__tag{text-transform:uppercase;letter-spacing:.04em;-webkit-backdrop-filter:blur(4px);backdrop-filter:blur(4px);background:#fffffff2;border-radius:999px;padding:4px 10px;font-size:11px;font-weight:600;position:absolute;top:14px;left:14px}.tag--basics{color:var(--basics)}.tag--family{color:var(--family)}.tag--it{color:var(--it)}.tag--gov{color:var(--gov)}.tag--docs{color:var(--docs)}.tag--refi{color:var(--refi)}.cover--basics{background:linear-gradient(135deg,oklch(80% .06 210),oklch(70% .1 200))}.cover--family{background:linear-gradient(135deg,oklch(82% .08 70),oklch(72% .12 50))}.cover--it{background:linear-gradient(135deg,oklch(80% .08 290),oklch(70% .12 275))}.cover--gov{background:linear-gradient(135deg,oklch(80% .06 150),oklch(70% .1 140))}.cover--docs{background:linear-gradient(135deg,oklch(82% .06 30),oklch(72% .1 20))}.cover--refi{background:linear-gradient(135deg,oklch(80% .08 175),oklch(72% .1 185))}.article-card__body{flex-direction:column;flex:1;gap:12px;padding:22px 24px 24px;display:flex}.article-card__heading{font-family:var(--font-display);letter-spacing:-.005em;font-size:19px;font-weight:600;line-height:1.25}.article-card__excerpt{color:var(--muted);flex:1;font-size:14px;line-height:1.5}.article-card__meta{color:var(--muted);border-top:1px dashed var(--border);flex-wrap:wrap;align-items:center;gap:10px;margin-top:auto;padding-top:12px;font-size:12px;display:flex}.article-card__meta .dot{background:var(--subtle);border-radius:50%;width:3px;height:3px}.sidebar{flex-direction:column;gap:24px;display:flex;position:sticky;top:88px}@media (max-width:980px){.sidebar{position:static}}.sidebar-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);padding:24px}.sidebar-card__title{font-family:var(--font-display);align-items:center;gap:8px;margin-bottom:16px;font-size:16px;font-weight:600;display:flex}.popular-list{counter-reset:pop;flex-direction:column;gap:16px;list-style:none;display:flex}.popular-list li{counter-increment:pop;align-items:start;gap:14px;display:flex}.popular-list li:before{content:counter(pop);font-family:var(--font-display);color:var(--border-strong);font-variant-numeric:tabular-nums;flex-shrink:0;min-width:24px;font-size:22px;font-weight:700;line-height:1}.popular-list a{font-family:var(--font-display);padding-top:2px;font-size:14px;font-weight:600;line-height:1.35;transition:color .15s;display:block}.popular-list a:hover{color:var(--accent)}.popular-list small{font-family:var(--font-body);color:var(--muted);margin-top:4px;font-size:12px;font-weight:400;display:block}.digest{background:linear-gradient(135deg,var(--fg) 0,oklch(28% .04 220) 100%);color:var(--bg);border:0}.digest__title{font-family:var(--font-display);color:var(--bg);margin-bottom:8px;font-size:17px;font-weight:600}.digest__sub{color:oklch(78% .01 220);margin-bottom:16px;font-size:13px;line-height:1.5}.digest__form{background:var(--bg);border-radius:999px;gap:6px;padding:6px;display:flex}.digest__form input{color:var(--fg);background:0 0;border:0;outline:0;flex:1;min-width:0;padding:8px 12px;font-size:13px}.digest__form button{background:var(--accent);color:#fff;cursor:pointer;white-space:nowrap;border:0;border-radius:999px;padding:8px 14px;font-size:13px;font-weight:600}.digest__form button:hover{background:oklch(42% .13 210)}.digest__note{color:oklch(70% .01 220);text-align:center;margin-top:12px;font-size:11px}.pagination{flex-wrap:wrap;gap:8px;max-width:1280px;margin:0 auto;padding:32px 24px 60px;display:flex}.pagination,.pagination__btn{justify-content:center;align-items:center}.pagination__btn{border:1px solid var(--border);background:var(--surface);min-width:40px;height:40px;color:var(--fg);border-radius:10px;gap:6px;padding:0 14px;font-size:14px;font-weight:500;transition:all .15s;display:inline-flex}.pagination__btn:hover:not(:disabled){border-color:var(--border-strong);background:var(--accent-soft)}.pagination__btn.is-active{background:var(--fg);color:var(--bg);border-color:var(--fg)}.pagination__btn:disabled{opacity:.4;cursor:not-allowed}.pagination__dots{color:var(--subtle);padding:0 6px}.empty{text-align:center;background:var(--surface);border:1px dashed var(--border-strong);border-radius:var(--radius-lg);max-width:600px;margin:40px auto;padding:48px 24px}.empty__icon{background:var(--surface-2);border-radius:50%;place-items:center;width:64px;height:64px;margin:0 auto 16px;font-size:28px;display:grid}.empty__title{font-family:var(--font-display);margin-bottom:8px;font-size:20px;font-weight:600}.empty__sub{color:var(--muted);margin-bottom:20px;font-size:14px}.empty__btn{background:var(--fg);color:var(--bg);cursor:pointer;border:0;border-radius:999px;padding:10px 22px;font-size:14px;font-weight:600}.footer{border-top:1px solid var(--border);background:var(--surface)}@media (max-width:600px){.footer__grid{grid-template-columns:1fr 1fr;gap:32px}}@media (max-width:420px){.footer__grid{grid-template-columns:1fr}}@media (max-width:600px){.page-head{padding:32px 16px 24px}.articles,.featured,.pagination,.search-bar,.topic-filters,.trending{padding-left:16px;padding-right:16px}.search-bar__inner{flex-direction:column;align-items:stretch;padding:8px}.search-bar__sort{width:100%}}input{font:inherit}.nav__search input{color:var(--fg);background:0 0;border:0;outline:0;flex:1;min-width:0;font-size:14px}.page-title{font-family:var(--font-display);letter-spacing:-.02em;margin-bottom:14px;font-size:clamp(32px,4.5vw,44px);font-weight:600;line-height:1.1}.programs{flex-wrap:wrap;gap:8px;max-width:1280px;margin:0 auto;padding:24px 24px 0;display:flex}.program-tab{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-md);align-items:center;gap:12px;min-width:0;padding:14px 18px;transition:all .2s;display:flex}.program-tab:hover{border-color:var(--border-strong)}.program-tab.is-active{border-color:var(--accent);background:var(--accent-soft)}.program-tab__icon{border-radius:10px;flex-shrink:0;place-items:center;width:36px;height:36px;font-size:18px;display:grid}.program-tab__icon--default{color:var(--muted);background:oklch(95% .02 220)}.program-tab__icon--family{color:oklch(50% .16 50);background:oklch(96% .04 70)}.program-tab__icon--it{color:oklch(50% .15 290);background:oklch(95% .03 290)}.program-tab__icon--gov{color:var(--success);background:oklch(95% .04 150)}.program-tab__name{text-align:left;font-size:14px;font-weight:600;line-height:1.2}.program-tab__rate{color:var(--muted);margin-top:2px;font-size:12px}.calc-layout{grid-template-columns:1fr 1.3fr;align-items:start;gap:32px;max-width:1280px;margin:0 auto;padding:32px 24px 80px;display:grid}.panel{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-xl);padding:32px;position:sticky;top:88px;box-shadow:0 1px 2px #0000000a,0 12px 32px -16px #00000014}.panel__title{font-family:var(--font-display);font-size:20px;font-weight:600}.field,.panel__title{margin-bottom:24px}.field__head{justify-content:space-between;align-items:baseline;gap:12px;margin-bottom:10px;display:flex}.field__label{color:var(--muted);font-size:13px;font-weight:500}.field__hint{color:var(--subtle);font-size:12px}.field__value-row{background:var(--surface-2);border-radius:var(--radius-sm);border:1px solid #0000;align-items:center;gap:10px;margin-bottom:10px;padding:4px 6px 4px 14px;transition:border-color .15s;display:flex}.field__value-row:focus-within{border-color:var(--accent);background:var(--surface)}.field__input{font-family:var(--font-display);font-variant-numeric:tabular-nums;width:100%;color:var(--fg);background:0 0;border:0;outline:0;flex:1;min-width:0;padding:8px 0;font-size:22px;font-weight:600}.field__unit{color:var(--muted);white-space:nowrap;padding-right:10px;font-size:13px;font-weight:500}.field__slider{appearance:none;background:var(--surface-2);cursor:pointer;border-radius:999px;outline:0;width:100%;height:6px}.field__slider::-webkit-slider-thumb{appearance:none;background:var(--accent);cursor:pointer;border:3px solid var(--surface);border-radius:50%;width:22px;height:22px;box-shadow:0 2px 6px #0000002e}.field__slider::-moz-range-thumb{background:var(--accent);cursor:pointer;border:3px solid var(--surface);border-radius:50%;width:22px;height:22px;box-shadow:0 2px 6px #0000002e}.field__ticks{color:var(--subtle);font-variant-numeric:tabular-nums;justify-content:space-between;margin-top:6px;font-size:11px;display:flex}.toggle-group{background:var(--surface-2);border-radius:999px;gap:4px;padding:4px;display:flex}.toggle-group__btn{color:var(--muted);background:0 0;border:0;border-radius:999px;flex:1;padding:8px 12px;font-size:13px;font-weight:500;transition:all .2s}.toggle-group__btn.is-active{background:var(--surface);color:var(--fg);box-shadow:0 1px 2px #00000014}.extra-options{border-top:1px dashed var(--border);margin-top:24px;padding-top:24px}.extra-options summary{color:var(--accent);cursor:pointer;-webkit-user-select:none;user-select:none;align-items:center;gap:8px;font-size:14px;font-weight:500;list-style:none;display:flex}.extra-options summary::-webkit-details-marker{display:none}.extra-options summary:before{content:"+";font-size:18px;line-height:1;transition:transform .2s}.extra-options[open] summary:before{transform:rotate(45deg)}.extra-options__body{padding-top:20px}.results{flex-direction:column;gap:20px;display:flex}.result-headline{background:linear-gradient(135deg,var(--fg) 0,oklch(28% .04 220) 100%);border-radius:var(--radius-xl);color:var(--bg);padding:32px}.result-headline__label{color:oklch(80% .01 220);margin-bottom:8px;font-size:13px;font-weight:500}.result-headline__value{font-family:var(--font-display);letter-spacing:-.02em;font-variant-numeric:tabular-nums;font-size:clamp(40px,6vw,56px);font-weight:700;line-height:1}.result-headline__sub{color:oklch(75% .01 220);margin-top:8px;font-size:13px}.result-stats{grid-template-columns:repeat(3,1fr);gap:12px;display:grid}.stat{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-md);padding:20px}.stat__label{color:var(--muted);margin-bottom:6px;font-size:12px}.stat__value{font-family:var(--font-display);font-variant-numeric:tabular-nums;font-size:22px;font-weight:600;line-height:1.1}.stat__sub{color:var(--subtle);margin-top:4px;font-size:11px}.chart-card__title{margin-bottom:4px;font-size:18px}.chart-card__sub{color:var(--muted);font-size:13px}.chart-legend{flex-wrap:wrap;gap:16px;display:flex}.legend-item{color:var(--muted);align-items:center;gap:6px;font-size:12px;display:flex}.legend-swatch{border-radius:3px;width:12px;height:12px}.chart{width:100%;height:220px;margin-bottom:12px}.chart__x-axis{color:var(--subtle);font-variant-numeric:tabular-nums;justify-content:space-between;padding:0 4px;font-size:11px;display:flex}.tips{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);padding:24px}.tips__title{font-family:var(--font-display);align-items:center;gap:8px;margin-bottom:16px;font-size:16px;font-weight:600;display:flex}.tips__list{flex-direction:column;gap:14px;display:flex}.tip{color:var(--fg);align-items:start;gap:12px;font-size:14px;line-height:1.55;display:flex}.tip__bullet{background:var(--accent);border-radius:50%;flex-shrink:0;width:6px;height:6px;margin-top:8px}.tip strong{font-weight:600}.tip a{color:var(--accent);border-bottom:1px solid var(--accent-soft)}.schedule{max-width:1280px;margin:0 auto;padding:0 24px 80px}.schedule__head{border-bottom:1px solid var(--border);flex-wrap:wrap;justify-content:space-between;align-items:end;gap:16px;margin-bottom:24px;padding-bottom:16px;display:flex}.schedule__title{font-family:var(--font-display);letter-spacing:-.01em;font-size:28px;font-weight:600}.schedule__sub{color:var(--muted);margin-top:4px;font-size:14px}.schedule__view{background:var(--surface-2);border-radius:999px;gap:4px;padding:4px;display:flex}.schedule__view-btn{color:var(--muted);background:0 0;border:0;border-radius:999px;padding:8px 16px;font-size:13px;font-weight:500}.schedule__view-btn.is-active{background:var(--surface);color:var(--fg);box-shadow:0 1px 2px #0000000f}.schedule__table-wrap{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);overflow:hidden}.schedule__table{border-collapse:collapse;width:100%;font-size:14px}.schedule__table td,.schedule__table th{text-align:left;border-bottom:1px solid var(--border);padding:14px 20px}.schedule__table th{background:var(--surface-2);color:var(--muted);text-transform:uppercase;letter-spacing:.04em;font-size:12px;font-weight:600}.schedule__table tr:last-child td{border-bottom:0}.schedule__table tr:hover td{background:oklch(99% 0 0)}.schedule__table td{font-variant-numeric:tabular-nums}.schedule__table td.year{font-weight:600;font-family:var(--font-display)}.progress-bar{background:var(--surface-2);border-radius:999px;min-width:100px;height:6px;display:flex;overflow:hidden}.progress-bar__fill{background:var(--chart-principal);height:100%}.progress-bar__rest{background:var(--chart-interest);height:100%}.faq{max-width:880px;margin:0 auto;padding:40px 24px 80px}.faq__title{font-family:var(--font-display);letter-spacing:-.01em;margin-bottom:24px;font-size:28px;font-weight:600}.faq__item{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-md)}.faq__item summary{cursor:pointer;font-family:var(--font-display);-webkit-user-select:none;user-select:none;justify-content:space-between;align-items:center;padding:20px 24px;font-size:17px;font-weight:600;list-style:none;display:flex}.faq__item summary::-webkit-details-marker{display:none}.faq__item summary:after{color:var(--accent)}.faq__item[open] summary:after{transform:rotate(45deg)}.faq__body p{margin-bottom:12px}.faq__body p:last-child{margin-bottom:0}@media (max-width:980px){.calc-layout{grid-template-columns:1fr;gap:24px}.panel{padding:24px;position:static}.result-stats{grid-template-columns:1fr}}@media (max-width:600px){.page-head{padding:28px 16px 16px}.programs{padding:16px 16px 0}.program-tab{flex:calc(50% - 8px);padding:12px}.calc-layout{padding:24px 16px 60px}.schedule{padding:0 16px 60px}.faq{padding:24px 16px 60px}.schedule__table td,.schedule__table th{padding:12px 14px;font-size:13px}.progress-bar{display:none}.footer__grid{grid-template-columns:1fr 1fr;gap:32px}}@media (max-width:440px){.footer__grid{grid-template-columns:1fr}}.updated{color:var(--muted);align-items:center;gap:8px;margin-top:20px;font-size:13px;display:inline-flex}.updated .dot{background:var(--success);border-radius:50%;width:6px;height:6px;animation:pulse 2s ease-in-out infinite}.cb-strip{max-width:1280px;margin:0 auto;padding:0 24px}.cb-strip__inner{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);flex-wrap:wrap;align-items:center;gap:24px;padding:20px 28px;display:flex}.cb-strip__icon{background:var(--accent-soft);width:44px;height:44px;color:var(--accent);border-radius:12px;flex-shrink:0;place-items:center;font-size:22px;display:grid}.cb-strip__main{flex:1;min-width:220px}.cb-strip__label{color:var(--muted);margin-bottom:4px;font-size:13px}.cb-strip__row{flex-wrap:wrap;align-items:baseline;gap:16px;display:flex}.cb-strip__value{font-family:var(--font-display);font-variant-numeric:tabular-nums;font-size:32px;font-weight:700;line-height:1}.cb-strip__delta{align-items:center;gap:4px;display:flex}.cb-strip__delta,.cb-strip__note{color:var(--muted);font-size:13px}.cb-strip__note{max-width:360px;line-height:1.5}.cb-strip__note strong{color:var(--fg)}.filters{max-width:1280px;margin:0 auto;padding:28px 24px 0}.filters__panel{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);padding:20px 24px}.filters__row{flex-wrap:wrap;align-items:center;gap:12px;display:flex}.filters__row+.filters__row{border-top:1px dashed var(--border);margin-top:16px;padding-top:16px}.filters__label{color:var(--muted);text-transform:uppercase;letter-spacing:.04em;width:100%;margin-bottom:8px;font-size:12px;font-weight:600}.filter-chip{background:var(--bg);border:1px solid var(--border);color:var(--muted);white-space:nowrap;border-radius:999px;align-items:center;gap:6px;padding:8px 14px;font-size:13px;font-weight:500;transition:all .15s;display:inline-flex}.filter-chip:hover:not(.is-active){border-color:var(--border-strong);color:var(--fg)}.filter-chip.is-active{background:var(--fg);color:var(--bg);border-color:var(--fg)}.filter-chip__count{font-variant-numeric:tabular-nums;background:#ffffff26;border-radius:999px;padding:1px 7px;font-size:11px;font-weight:600}.filter-chip:not(.is-active) .filter-chip__count{background:var(--surface-2);color:var(--subtle)}.filters__bar{border-top:1px dashed var(--border);flex-wrap:wrap;gap:12px;margin-top:16px;padding-top:16px}.filters__bar,.search-input{align-items:center;display:flex}.search-input{background:var(--bg);border:1px solid var(--border);border-radius:10px;flex:1;gap:10px;min-width:240px;padding:10px 14px;transition:border-color .15s}.search-input:focus-within{border-color:var(--accent)}.search-input svg{color:var(--muted);flex-shrink:0}.search-input input{color:var(--fg);background:0 0;border:0;outline:0;flex:1;font-size:14px}.search-input input::placeholder{color:var(--subtle)}.sort-select{background:var(--bg);border:1px solid var(--border);color:var(--fg);cursor:pointer;border-radius:10px;align-items:center;gap:8px;padding:0 14px;font-size:14px;display:flex}.sort-select select{font:inherit;color:inherit;appearance:none;cursor:pointer;background:0 0;border:0;outline:0;padding:10px 24px 10px 0}.sort-select{position:relative}.sort-select:after{content:"▾";color:var(--muted);pointer-events:none;font-size:10px;position:absolute;top:50%;right:12px;transform:translateY(-50%)}.results-summary strong{color:var(--fg);font-weight:600}.clear-filters{color:var(--accent);cursor:pointer;background:0 0;border:0;font-size:13px;font-weight:500}.clear-filters:hover{text-decoration:underline}.bank-list{flex-direction:column;gap:16px;max-width:1280px;margin:0 auto;padding:8px 24px 40px;display:flex}.bank-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);transition:border-color .2s,box-shadow .2s}.bank-card:hover{border-color:var(--border-strong);box-shadow:0 8px 24px -16px #0000001a}.bank-card__head{grid-template-columns:auto 1fr auto auto auto;align-items:center;gap:24px;padding:24px 28px;display:grid}.bank-card__logo{color:#fff;border-radius:14px;flex-shrink:0;place-items:center;width:56px;height:56px;font-size:20px;font-weight:700;display:grid}.bank-card__title{font-family:var(--font-display);margin-bottom:4px;font-size:20px;font-weight:600}.bank-card__sub{color:var(--muted);flex-wrap:wrap;gap:14px;font-size:13px;display:flex}.bank-card__sub .sep{color:var(--subtle)}.bank-card__rate{text-align:right;min-width:120px}.bank-card__rate-label{color:var(--muted);text-transform:uppercase;letter-spacing:.04em;margin-bottom:4px;font-size:11px;font-weight:600}.bank-card__rate-value{font-family:var(--font-display);font-variant-numeric:tabular-nums;color:var(--fg);font-size:28px;font-weight:700;line-height:1}.bank-card__rate-sub{color:var(--muted);margin-top:4px;font-size:11px}.bank-card__programs{flex-wrap:wrap;justify-content:flex-end;gap:6px;display:flex}.program-pill{white-space:nowrap;border-radius:999px;padding:4px 10px;font-size:11px;font-weight:600}.program-pill--family{background:var(--family-soft);color:var(--family)}.program-pill--it{background:var(--it-soft);color:var(--it)}.program-pill--gov{background:var(--gov-soft);color:var(--gov)}.program-pill--base{background:var(--surface-2);color:var(--muted)}.program-pill--refi{color:var(--accent);background:oklch(95% .02 220)}.bank-card__expand{background:var(--surface-2);width:40px;height:40px;color:var(--muted);border:0;border-radius:50%;flex-shrink:0;place-items:center;transition:all .2s;display:grid}.bank-card__expand:hover{background:var(--accent-soft);color:var(--accent)}.bank-card.is-open .bank-card__expand{background:var(--fg);color:var(--bg);transform:rotate(180deg)}.bank-card__body{border-top:1px solid var(--border);padding:28px;display:none}.bank-card.is-open .bank-card__body{display:block}.bank-card__grid{background:var(--surface-2);border-radius:var(--radius-md);grid-template-columns:repeat(4,1fr);gap:0;margin-bottom:24px;display:grid;overflow:hidden}.bank-stat{background:var(--surface);margin:1px;padding:16px 18px}.bank-stat__label{color:var(--muted);text-transform:uppercase;letter-spacing:.04em;margin-bottom:4px;font-size:11px;font-weight:600}.bank-stat__value{font-family:var(--font-display);font-variant-numeric:tabular-nums;font-size:17px;font-weight:600;line-height:1.2}.bank-card__programs-list{flex-direction:column;gap:12px;margin-bottom:24px;display:flex}.bank-card__programs-title{font-family:var(--font-display);margin-bottom:6px;font-size:16px;font-weight:600}.program-row{background:var(--bg);border:1px solid var(--border);border-radius:var(--radius-sm);grid-template-columns:auto 1fr auto auto auto;align-items:center;gap:16px;padding:14px 16px;display:grid}.program-row__pill{white-space:nowrap;border-radius:999px;padding:4px 10px;font-size:11px;font-weight:600}.program-row__name{font-size:14px;font-weight:500}.program-row__rate{font-family:var(--font-display);font-variant-numeric:tabular-nums;text-align:right;min-width:80px;font-size:18px;font-weight:700}.program-row__sum{color:var(--muted);text-align:right;min-width:100px;font-size:13px}.program-row__cta{color:var(--accent);white-space:nowrap;font-size:13px;font-weight:500}.program-row__cta:hover{text-decoration:underline}.bank-card__features{flex-direction:column;gap:8px;display:flex}.bank-card__features-title{font-family:var(--font-display);margin-bottom:6px;font-size:16px;font-weight:600}.bank-card__features li{color:var(--fg);align-items:start;gap:10px;font-size:14px;line-height:1.5;display:flex}.bank-card__features li:before{content:"";background:var(--accent);border-radius:50%;flex-shrink:0;width:5px;height:5px;margin-top:9px}.bank-card__features li span{color:var(--muted)}.bank-card__cta-row{border-top:1px dashed var(--border);flex-wrap:wrap;gap:12px;margin-top:24px;padding-top:20px;display:flex}.btn{border:1px solid var(--border);background:var(--surface);color:var(--fg);border-radius:999px;align-items:center;gap:6px;padding:12px 22px;font-size:14px;font-weight:600;transition:all .15s;display:inline-flex}.btn:hover{border-color:var(--border-strong)}.btn--primary{background:var(--fg);color:var(--bg);border-color:var(--fg)}.btn--primary:hover{background:var(--accent);border-color:var(--accent)}@media (max-width:920px){.bank-card__head{grid-template-rows:auto auto;grid-template-columns:auto 1fr auto;gap:16px}.bank-card__programs{grid-column:1/-1;justify-content:flex-start}.bank-card__rate{text-align:right}.bank-card__grid{grid-template-columns:repeat(2,1fr)}.program-row{text-align:left;grid-template-columns:1fr;gap:8px}.program-row__rate,.program-row__sum{text-align:left;min-width:0}}@media (max-width:560px){.bank-card__head{grid-template-columns:1fr;gap:16px;padding:20px}.bank-card__logo-row{align-items:center;gap:16px;display:flex}.bank-card__rate{text-align:left}.bank-card__body{padding:20px}.bank-card__grid{grid-template-columns:1fr}}.disclaimer{max-width:1280px;margin:0 auto;padding:0 24px 40px}.disclaimer__inner{background:var(--surface-2);border-radius:var(--radius-md);color:var(--muted);align-items:start;gap:14px;padding:20px 24px;font-size:13px;line-height:1.6;display:flex}.disclaimer__icon{color:var(--muted);flex-shrink:0;margin-top:1px}.disclaimer strong{color:var(--fg);font-weight:500}.disclaimer a{color:var(--accent);border-bottom:1px solid var(--accent-soft)}.search-section{max-width:1280px;margin:0 auto;padding:0 24px}.search-bar{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-xl);align-items:center;gap:14px;padding:16px 20px;transition:border-color .2s;display:flex;box-shadow:0 1px 2px #00000008,0 8px 24px -12px #00000014}.search-bar:focus-within{border-color:var(--accent)}.search-bar__icon{color:var(--muted);flex-shrink:0}.search-bar__input{color:var(--fg);font-size:18px;font-family:var(--font-display);background:0 0;border:0;outline:0;flex:1}.search-bar__input::placeholder{color:var(--subtle);font-style:italic}.search-bar__kbd{font-family:var(--font-mono);color:var(--subtle);gap:4px;font-size:11px;display:flex}.search-bar__kbd kbd{background:var(--surface-2);border:1px solid var(--border);border-radius:6px;padding:4px 8px}.filters-block{flex-direction:column;gap:16px;max-width:1280px;margin:0 auto;padding:24px 24px 28px;display:flex}.filters-label{color:var(--muted);text-transform:uppercase;letter-spacing:.05em;font-size:12px;font-weight:600}.categories{flex-wrap:wrap;gap:8px;display:flex}.cat-chip{background:var(--surface);border:1px solid var(--border);color:var(--muted);border-radius:999px;align-items:center;gap:8px;padding:8px 14px;font-size:13px;font-weight:500;transition:all .15s;display:inline-flex}.cat-chip:hover:not(.is-active){border-color:var(--border-strong);color:var(--fg)}.cat-chip.is-active{background:var(--fg);color:var(--bg);border-color:var(--fg)}.cat-chip__dot{border-radius:50%;width:8px;height:8px}.cat-chip[data-cat=basics] .cat-chip__dot{background:var(--cat-basics)}.cat-chip[data-cat=money] .cat-chip__dot{background:var(--cat-money)}.cat-chip[data-cat=docs] .cat-chip__dot{background:var(--cat-docs)}.cat-chip[data-cat=programs] .cat-chip__dot{background:var(--cat-programs)}.cat-chip[data-cat=legal] .cat-chip__dot{background:var(--cat-legal)}.cat-chip__count{background:var(--surface-2);color:var(--subtle);font-variant-numeric:tabular-nums;border-radius:999px;padding:1px 7px;font-size:11px;font-weight:600}.cat-chip.is-active .cat-chip__count{color:var(--bg);background:#ffffff26}.alphabet{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-md);flex-wrap:wrap;gap:4px;max-width:1280px;margin:0 auto;padding:12px 24px;display:flex}.alpha-btn{min-width:36px;height:36px;font-family:var(--font-display);color:var(--fg);cursor:pointer;background:0 0;border:0;border-radius:8px;font-size:15px;font-weight:600;transition:all .15s}.alpha-btn:hover:not(:disabled):not(.is-active){background:var(--surface-2)}.alpha-btn.is-active{background:var(--fg);color:var(--bg)}.alpha-btn:disabled{color:var(--subtle);cursor:not-allowed;opacity:.4}.results-summary{max-width:1280px;color:var(--muted);flex-wrap:wrap;justify-content:space-between;align-items:baseline;gap:16px;margin:0 auto;padding:28px 24px 0;font-size:14px;display:flex}.clear-btn{color:var(--accent);cursor:pointer;background:0 0;border:0;font-size:13px;font-weight:500}.clear-btn:hover{text-decoration:underline}.glossary{max-width:1280px;margin:0 auto;padding:16px 24px 40px}.letter-group{margin-bottom:32px}.letter-group__head{border-bottom:1px solid var(--border);align-items:baseline;gap:16px;margin-bottom:16px;padding-bottom:12px;display:flex}.letter-group__letter{font-family:var(--font-display);color:var(--accent);flex-shrink:0;width:44px;font-size:36px;font-weight:700;line-height:1}.letter-group__count{color:var(--muted);font-size:13px}.terms-grid{grid-template-columns:repeat(2,1fr);gap:16px;display:grid}@media (max-width:720px){.terms-grid{grid-template-columns:1fr}.letter-group__letter{width:36px;font-size:28px}}.term{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-md);flex-direction:column;gap:12px;padding:24px 26px;scroll-margin-top:90px;transition:border-color .2s,transform .2s,box-shadow .2s;display:flex}.term:hover{border-color:var(--border-strong);transform:translateY(-2px);box-shadow:0 8px 24px -16px #0000001a}.term__head{justify-content:space-between;align-items:start;gap:12px;display:flex}.term__title{font-family:var(--font-display);letter-spacing:-.01em;font-size:22px;font-weight:600;line-height:1.2}.term__title em{color:var(--muted);margin-top:4px;font-size:16px;font-style:italic;font-weight:400;display:block}.term__cat{text-transform:uppercase;letter-spacing:.04em;border-radius:999px;flex-shrink:0;padding:4px 10px;font-size:11px;font-weight:600}.term__cat--basics{background:var(--cat-basics-soft);color:var(--cat-basics)}.term__cat--money{background:var(--cat-money-soft);color:var(--cat-money)}.term__cat--docs{background:var(--cat-docs-soft);color:var(--cat-docs)}.term__cat--programs{background:var(--cat-programs-soft);color:var(--cat-programs)}.term__cat--legal{background:var(--cat-legal-soft);color:var(--cat-legal)}.term__body{color:var(--fg);font-size:15px;line-height:1.6}.term__body strong{color:var(--fg);font-weight:600}.term__example{background:var(--surface-2);color:var(--muted);border-radius:10px;gap:10px;padding:12px 16px;font-size:13px;line-height:1.5;display:flex}.term__example:before{content:"↳";color:var(--accent);flex-shrink:0;font-weight:700}.term__example strong{color:var(--fg);font-weight:500}.term__link{color:var(--accent);align-items:center;gap:4px;margin-top:4px;font-size:13px;font-weight:500;display:inline-flex}.term__link:hover{gap:8px}.suggest{max-width:1280px;margin:0 auto;padding:40px 24px 80px}.suggest__inner{background:linear-gradient(135deg,var(--fg) 0,oklch(28% .04 220) 100%);border-radius:var(--radius-xl);color:var(--bg);grid-template-columns:1.3fr 1fr;align-items:center;gap:32px;padding:48px;display:grid}.suggest__title{font-family:var(--font-display);margin-bottom:14px;font-size:clamp(24px,3vw,32px);font-weight:600;line-height:1.2}.suggest__sub{color:oklch(80% .01 220);font-size:15px;line-height:1.6}.suggest__form{background:var(--bg);border-radius:999px;gap:8px;padding:6px;display:flex}.suggest__form input{color:var(--fg);background:0 0;border:0;outline:0;flex:1;min-width:0;padding:10px 16px;font-size:14px}.suggest__form button{background:var(--accent);color:#fff;cursor:pointer;white-space:nowrap;border:0;border-radius:999px;padding:10px 20px;font-size:14px;font-weight:600}.suggest__form button:hover{background:oklch(42% .13 210)}@media (max-width:720px){.suggest__inner{grid-template-columns:1fr;padding:28px}}@media (max-width:600px){.page-head{padding:32px 16px 24px}.alphabet,.filters-block,.glossary,.results-summary,.search-section,.suggest{padding-left:16px;padding-right:16px}.search-bar{padding:12px 14px}.search-bar__input{font-size:16px}.search-bar__kbd{display:none}.term{padding:20px}.term__title{font-size:19px}}.page-head{background:radial-gradient(ellipse 60% 50% at 50% 0,var(--accent-soft) 0,transparent 70%),var(--bg);padding:56px 24px 32px}.page-head__inner{max-width:1080px;margin:0 auto}.page-lead{color:var(--muted);max-width:600px;font-size:18px;line-height:1.55}.contact-layout{grid-template-columns:1.3fr 1fr;align-items:start;gap:40px;max-width:1080px;margin:0 auto;padding:40px 24px 60px;display:grid}@media (max-width:880px){.contact-layout{grid-template-columns:1fr;gap:28px}}.form-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-xl);padding:40px;box-shadow:0 1px 2px #00000008,0 12px 32px -16px #0000000f}@media (max-width:600px){.form-card{padding:28px 24px}}.form-card__title{font-family:var(--font-display);margin-bottom:6px;font-size:26px;font-weight:600;line-height:1.2}.form-card__sub{color:var(--muted);margin-bottom:28px;font-size:14px}.field-group{margin-bottom:20px}.field-group__label{color:var(--muted);margin-bottom:8px;font-size:13px;font-weight:500;display:block}.field-group__label--req:after{content:" *";color:var(--danger)}.input,.select,.textarea{background:var(--surface-2);width:100%;color:var(--fg);border:1px solid #0000;border-radius:10px;padding:12px 16px;font-family:inherit;font-size:15px;transition:all .15s}.input:focus,.select:focus,.textarea:focus{background:var(--surface);border-color:var(--accent);outline:none}.textarea{resize:vertical;min-height:140px;line-height:1.55}.select{appearance:none;cursor:pointer;background-image:url("data:image/svg+xml,%3Csvg width='12' height='12' xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23999' stroke-width='2'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");background-position:right 16px center;background-repeat:no-repeat;padding-right:40px}.field-row{grid-template-columns:1fr 1fr;gap:16px;display:grid}@media (max-width:480px){.field-row{grid-template-columns:1fr}}.checkbox{color:var(--muted);cursor:pointer;align-items:start;gap:10px;font-size:13px;line-height:1.55;display:flex}.checkbox input{accent-color:var(--accent);cursor:pointer;margin-top:3px}.checkbox a{color:var(--accent);border-bottom:1px solid var(--accent-soft)}.submit-btn{background:var(--fg);width:100%;color:var(--bg);border:0;border-radius:12px;justify-content:center;align-items:center;gap:8px;margin-top:24px;padding:14px 20px;font-size:15px;font-weight:600;transition:all .15s;display:inline-flex}.submit-btn:hover{background:var(--accent);transform:translateY(-1px)}.success-state{text-align:center;padding:40px 20px;display:none}.success-state.is-shown{display:block}.success-state__icon{background:var(--success-soft);width:64px;height:64px;color:var(--success);border-radius:50%;place-items:center;margin:0 auto 20px;display:grid}.success-state__title{font-family:var(--font-display);margin-bottom:8px;font-size:22px;font-weight:600}.success-state__text{color:var(--muted);max-width:360px;margin:0 auto;font-size:14px;line-height:1.6}.contacts{flex-direction:column;gap:16px;display:flex}.contact-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);padding:24px}.contact-card__title{font-family:var(--font-display);align-items:center;gap:10px;margin-bottom:14px;font-size:17px;font-weight:600;display:flex}.contact-card__title svg{color:var(--accent)}.contact-list{flex-direction:column;gap:12px;display:flex}.contact-item{gap:12px;font-size:14px;display:flex}.contact-item__label{color:var(--muted);flex-shrink:0;min-width:80px}.contact-item__value{color:var(--fg);word-break:break-word;font-weight:500}.contact-item__value a{color:var(--accent)}.partners{max-width:1080px;margin:0 auto;padding:0 24px 80px}.partners__grid{grid-template-columns:repeat(3,1fr);gap:20px;display:grid}@media (max-width:720px){.partners__grid{grid-template-columns:1fr}}.partner-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);padding:28px;transition:all .2s}.partner-card:hover{border-color:var(--border-strong);transform:translateY(-2px)}.partner-card__icon{margin-bottom:14px;font-size:28px}.partner-card__title{font-family:var(--font-display);margin-bottom:8px;font-size:18px;font-weight:600}.partner-card__text{color:var(--muted);margin-bottom:14px;font-size:14px;line-height:1.55}.partner-card__link{color:var(--accent);align-items:center;gap:6px;font-size:13px;font-weight:500;display:inline-flex}.partner-card__link:hover{gap:10px}.hero{background:radial-gradient(ellipse 70% 60% at 80% 0,var(--family-soft) 0,transparent 60%),radial-gradient(ellipse 50% 40% at 0 100%,oklch(95% .03 100) 0,transparent 60%),var(--bg);padding:48px 24px 56px}.hero__inner{grid-template-columns:1.2fr 1fr;align-items:start;gap:56px;max-width:1280px;margin:0 auto;display:grid}.hero__badge{background:var(--family-soft);color:var(--family);border-radius:999px;align-items:center;gap:8px;margin-bottom:20px;padding:6px 14px;font-size:13px;font-weight:600;display:inline-flex}.hero__badge svg{width:14px;height:14px}.hero__title{font-family:var(--font-display);letter-spacing:-.02em;margin-bottom:20px;font-size:clamp(36px,5vw,52px);font-weight:600;line-height:1.05}.hero__title em{color:var(--family);font-style:normal}.hero__lead{color:var(--muted);max-width:560px;margin-bottom:28px;font-size:18px;line-height:1.55}.hero__lead strong{color:var(--fg);font-weight:500}.hero__chips{flex-wrap:wrap;gap:10px;margin-bottom:32px;display:flex}.chip{background:var(--surface);border:1px solid var(--border);color:var(--fg);border-radius:999px;align-items:center;gap:8px;padding:8px 14px;font-size:13px;display:inline-flex}.chip svg{width:14px;height:14px;color:var(--success)}.hero__updated{color:var(--muted);align-items:center;gap:8px;font-size:13px;display:flex}.hero__updated .dot{background:var(--success);border-radius:50%;width:6px;height:6px;animation:pulse 2s ease-in-out infinite}.glance{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-xl);padding:32px;box-shadow:0 1px 2px #0000000a,0 16px 40px -16px #00000014}.glance__title{font-family:var(--font-display);margin-bottom:4px;font-size:18px;font-weight:600}.glance__sub{color:var(--muted);margin-bottom:24px;font-size:13px}.glance__rate{background:var(--family-soft);border-radius:var(--radius-md);align-items:baseline;gap:8px;margin-bottom:20px;padding:20px 24px;display:flex}.glance__rate-value{font-family:var(--font-display);color:var(--family);font-variant-numeric:tabular-nums;font-size:56px;font-weight:700;line-height:1}.glance__rate-unit{color:var(--muted);font-size:14px;font-weight:500}.glance__rate-note{color:var(--muted);text-align:right;margin-left:auto;font-size:12px;line-height:1.4}.glance__list{flex-direction:column;gap:14px;margin-bottom:24px;list-style:none;display:flex}.glance__row{border-bottom:1px dashed var(--border);justify-content:space-between;align-items:baseline;gap:12px;padding-bottom:12px;display:flex}.glance__row:last-child{border-bottom:0;padding-bottom:0}.glance__label{color:var(--muted);font-size:13px}.glance__value{font-family:var(--font-display);text-align:right;max-width:60%}.glance__cta,.glance__value{font-size:15px;font-weight:600}.glance__cta{background:var(--fg);width:100%;color:var(--bg);border:0;border-radius:12px;justify-content:center;align-items:center;gap:8px;padding:14px 20px;transition:background .15s,transform .15s;display:flex}.glance__cta:hover{background:var(--family);transform:translateY(-1px)}.section{max-width:1280px;margin:0 auto;padding:72px 24px}.section__head{border-bottom:1px solid var(--border);margin-bottom:36px;padding-bottom:16px}.section__eyebrow{color:var(--family);text-transform:uppercase;letter-spacing:.05em;margin-bottom:12px;font-size:12px;font-weight:600}.section__title{font-family:var(--font-display);letter-spacing:-.01em;margin-bottom:8px;font-size:clamp(28px,3.5vw,36px);font-weight:600;line-height:1.15}.section__sub{color:var(--muted);max-width:640px;font-size:16px}.eligibility{grid-template-columns:repeat(3,1fr);gap:20px;display:grid}.elig-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);flex-direction:column;gap:14px;padding:28px;transition:transform .2s,border-color .2s;display:flex}.elig-card:hover{border-color:var(--border-strong);transform:translateY(-2px)}.elig-card__icon{background:var(--family-soft);width:48px;height:48px;color:var(--family);border-radius:14px;place-items:center;font-size:24px;display:grid}.elig-card__title{font-family:var(--font-display);font-size:18px;font-weight:600;line-height:1.3}.elig-card__body{color:var(--muted);font-size:14px;line-height:1.55}.elig-card__body strong{color:var(--fg);font-weight:500}@media (max-width:900px){.eligibility{grid-template-columns:1fr}}.conditions{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);overflow:hidden}.conditions__grid{grid-template-columns:repeat(4,1fr);display:grid}.cond{border-right:1px solid var(--border);border-bottom:1px solid var(--border);padding:24px 28px}.cond:nth-child(4n){border-right:0}.cond:nth-last-child(-n+4){border-bottom:0}.cond__label{color:var(--muted);text-transform:uppercase;letter-spacing:.04em;margin-bottom:8px;font-size:12px;font-weight:600}.cond__value{font-family:var(--font-display);letter-spacing:-.01em;font-variant-numeric:tabular-nums;margin-bottom:6px;font-size:22px;font-weight:600;line-height:1.15}.cond__note{color:var(--muted);font-size:12px;line-height:1.45}@media (max-width:900px){.conditions__grid{grid-template-columns:repeat(2,1fr)}.cond{border-right:0!important;border-bottom:1px solid var(--border)!important}.cond:nth-child(odd){border-right:1px solid var(--border)!important}}@media (max-width:500px){.conditions__grid{grid-template-columns:1fr}.cond{border-right:0!important}}.steps{grid-template-columns:repeat(2,1fr);gap:20px;display:grid}.step{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);gap:20px;padding:28px;display:flex}.step__num{background:var(--family-soft);width:44px;height:44px;color:var(--family);border-radius:50%;flex-shrink:0;place-items:center;font-weight:700;display:grid}.step__num,.step__title{font-family:var(--font-display);font-size:18px}.step__title{margin-bottom:8px;font-weight:600;line-height:1.3}.step__body{color:var(--muted);font-size:14px;line-height:1.6}.step__body strong{color:var(--fg);font-weight:500}.step__time{font-family:var(--font-mono);color:var(--subtle);margin-top:10px;font-size:12px;display:inline-block}@media (max-width:720px){.steps{grid-template-columns:1fr}}.banks-table-wrap{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);overflow:hidden}.banks-table{border-collapse:collapse;width:100%;font-size:14px}.banks-table td,.banks-table th{text-align:left;border-bottom:1px solid var(--border);padding:18px 24px}.banks-table th{background:var(--surface-2);color:var(--muted);text-transform:uppercase;letter-spacing:.04em;font-size:12px;font-weight:600}.banks-table tr:last-child td{border-bottom:0}.banks-table tr:hover td{background:oklch(99% 0 0)}.bank-row{align-items:center;gap:14px;display:flex}.bank-row__logo{color:#fff;border-radius:10px;flex-shrink:0;place-items:center;width:40px;height:40px;font-size:14px;font-weight:700;display:grid}.bank-row__name{font-size:15px;font-weight:600}.bank-row__sub{color:var(--muted);margin-top:2px;font-size:12px}.rate-cell{font-family:var(--font-display);color:var(--family);font-variant-numeric:tabular-nums;font-size:20px;font-weight:700}.banks-table .cta-link{color:var(--accent);align-items:center;gap:4px;font-size:13px;font-weight:500;display:inline-flex}.banks-table .cta-link:hover{text-decoration:underline}@media (max-width:800px){.banks-table thead{display:none}.banks-table,.banks-table tbody,.banks-table td,.banks-table tr{width:100%;display:block}.banks-table tr{border-bottom:1px solid var(--border);padding:16px 20px}.banks-table tr:last-child{border-bottom:0}.banks-table td{border:0;padding:6px 0}.banks-table td[data-label]:before{content:attr(data-label);color:var(--muted);text-transform:uppercase;letter-spacing:.04em;min-width:100px;font-size:11px;font-weight:600;display:inline-block}.banks-table td:first-child{margin-bottom:10px}.banks-table td:first-child:before{display:none}}.comparison{background:linear-gradient(135deg,var(--fg) 0,oklch(28% .04 220) 100%);border-radius:var(--radius-xl);color:var(--bg);grid-template-columns:1fr 1fr;align-items:center;gap:32px;padding:48px;display:grid}.comparison__title{font-family:var(--font-display);margin-bottom:16px;font-size:clamp(24px,3vw,32px);font-weight:600;line-height:1.2}.comparison__lead{color:oklch(80% .01 220);margin-bottom:24px;font-size:15px;line-height:1.6}.comparison__cta{background:var(--bg);color:var(--fg);border:0;border-radius:999px;align-items:center;gap:8px;padding:12px 22px;font-size:14px;font-weight:600;display:inline-flex}.comparison__cta:hover{background:var(--family);color:#fff}.comparison__visual{flex-direction:column;gap:12px;display:flex}.compare-row{border-radius:var(--radius-md);background:#ffffff14;grid-template-columns:1fr auto auto;align-items:center;gap:16px;padding:18px 22px;display:grid}.compare-row.is-winner{background:var(--family-soft);color:var(--fg)}.compare-row__label{color:oklch(75% .01 220);font-size:13px}.compare-row.is-winner .compare-row__label{color:var(--muted)}.compare-row__rate{font-family:var(--font-display);font-variant-numeric:tabular-nums;font-size:22px;font-weight:700}.compare-row__overpay{color:oklch(75% .01 220);font-size:12px}.compare-row.is-winner .compare-row__overpay{color:var(--family);font-weight:600}@media (max-width:800px){.comparison{grid-template-columns:1fr;gap:24px;padding:28px}}.docs{grid-template-columns:1fr 1fr;gap:24px;display:grid}.doc-block{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);padding:28px}.doc-block__title{font-family:var(--font-display);align-items:center;gap:10px;margin-bottom:6px;font-size:18px;font-weight:600;display:flex}.doc-block__title svg{color:var(--family)}.doc-block__sub{color:var(--muted);margin-bottom:20px;font-size:13px}.doc-block ul{flex-direction:column;gap:12px;list-style:none;display:flex}.doc-block li{color:var(--fg);align-items:start;gap:10px;font-size:14px;line-height:1.5;display:flex}.doc-block li:before{content:"";background:var(--family);border-radius:50%;flex-shrink:0;width:5px;height:5px;margin-top:8px}.doc-block li span{color:var(--muted);margin-top:2px;font-size:13px;display:block}@media (max-width:720px){.docs{grid-template-columns:1fr}}.faq__list{flex-direction:column;gap:12px;max-width:880px;display:flex}.faq__item summary:after{content:"+";color:var(--family);flex-shrink:0;margin-left:16px;font-size:22px;transition:transform .2s}.faq__body{color:var(--muted);padding:0 24px 24px;font-size:15px;line-height:1.65}.faq__body a{color:var(--accent);border-bottom:1px solid var(--accent-soft)}.faq__body strong{color:var(--fg);font-weight:600}.related{grid-template-columns:repeat(3,1fr);gap:20px;display:grid}.related__card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-md);flex-direction:column;gap:12px;padding:24px;transition:transform .2s;display:flex}@media (max-width:800px){.related{grid-template-columns:1fr}}@media (max-width:980px){.hero__inner{grid-template-columns:1fr;gap:32px}.hero{padding:32px 16px 40px}.section{padding:56px 16px}}.guide-cta{border-radius:var(--radius-md);border:1px solid var(--border);background:var(--surface);font-family:var(--font-body);margin:28px 0;padding:20px 24px}.guide-cta--primary{background:var(--accent-soft);border-color:oklch(88% .04 200)}.guide-cta--outline{border-style:dashed}.guide-cta--sidebar{margin-top:20px;padding:16px}.guide-cta__text{color:var(--muted);margin:0 0 12px;font-size:14px;line-height:1.5}.review-card{background:var(--surface-2);border-radius:var(--radius-md);border:1px solid var(--border);margin:16px 0;padding:18px 20px}.review-card__head{align-items:center;gap:12px;margin-bottom:10px;display:flex}.review-card__avatar{background:var(--accent-soft);width:40px;height:40px;color:var(--accent);border-radius:50%;place-items:center;font-weight:700;display:grid}.review-card__name{font-size:15px;font-weight:600}.review-card__meta{color:var(--muted);font-size:13px}.review-card__stars{color:oklch(72% .14 80)}.review-card__body{color:var(--fg);margin:0;font-size:14px;line-height:1.55}.review-card__source{color:var(--subtle);margin-top:8px;font-size:12px}.guide-reviews__title{margin:24px 0 8px;font-size:18px;font-weight:600}.law-cite{border-left:4px solid var(--accent);background:var(--surface-2);border-radius:0 var(--radius-md) var(--radius-md) 0;gap:14px;margin:28px 0;padding:20px 24px;display:flex}.law-cite__icon{color:var(--accent);font-size:22px;font-weight:700;line-height:1}.law-cite__ref{margin-bottom:8px;font-size:14px;font-weight:600}.law-cite__body{color:var(--muted);margin:0;font-size:14px;line-height:1.55}.law-links{border:1px solid var(--border);border-radius:var(--radius-md);background:var(--surface);margin:32px 0;padding:20px 24px}.law-links__title{margin-bottom:12px;font-weight:600}.law-links ul{margin:0;padding-left:20px}.law-links li{margin:6px 0;font-size:14px}.law-links a{color:var(--accent)}.article-main{min-width:0}.guide-hub-hero{background:radial-gradient(ellipse 80% 60% at 50% -10%,var(--accent-soft) 0,transparent 65%),linear-gradient(180deg,var(--surface) 0,var(--bg) 100%);border-bottom:1px solid var(--border);padding:48px 24px 32px}.guide-hub-hero__inner{max-width:1280px;margin:0 auto}.guide-hub-hero__eyebrow{letter-spacing:.06em;text-transform:uppercase;color:var(--accent);margin-bottom:12px;font-size:12px;font-weight:600;display:inline-block}.guide-hub-hero__title{font-family:var(--font-display);letter-spacing:-.02em;margin-bottom:14px;font-size:clamp(32px,5vw,48px);font-weight:700;line-height:1.1}.guide-hub-hero__lead{color:var(--muted);max-width:720px;margin-bottom:28px;font-size:18px;line-height:1.55}.guide-hub-hero__stats{flex-wrap:wrap;gap:20px;margin-bottom:28px;display:flex}.guide-hub-hero__stat{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-md);min-width:140px;padding:16px 20px}.guide-hub-hero__stat strong{font-family:var(--font-display);margin-bottom:4px;font-size:28px;line-height:1;display:block}.guide-hub-hero__stat span{color:var(--muted);font-size:13px}.guide-hub-hero__actions{flex-wrap:wrap;align-items:center;gap:12px;display:flex}.guide-landing{border-bottom:1px solid var(--border);padding:40px 24px 32px}.guide-landing--gos{background:radial-gradient(ellipse 70% 55% at 0 0,oklch(96% .04 150/.9) 0,transparent 55%),var(--bg)}.guide-landing--market{background:radial-gradient(ellipse 70% 55% at 100% 0,var(--accent-soft) 0,transparent 55%),var(--bg)}.guide-landing__inner{max-width:1280px;margin:0 auto}.guide-landing__badges{flex-wrap:wrap;align-items:center;gap:8px;margin-bottom:14px;display:flex}.guide-landing__section{text-transform:uppercase;letter-spacing:.05em;color:var(--muted);font-size:12px;font-weight:600}.guide-landing__title{font-family:var(--font-display);letter-spacing:-.02em;margin-bottom:12px;font-size:clamp(28px,4vw,42px);font-weight:700;line-height:1.15}.guide-landing__lead{color:var(--muted);max-width:760px;margin-bottom:24px;font-size:18px;line-height:1.55}.guide-landing__stats{grid-template-columns:repeat(auto-fill,minmax(160px,1fr));gap:12px;max-width:900px;margin-bottom:24px;display:grid}.guide-landing__stat{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-md);padding:14px 16px}.guide-landing__stat-label{color:var(--muted);margin-bottom:4px;font-size:12px;display:block}.guide-landing__stat-value{font-family:var(--font-display);font-variant-numeric:tabular-nums;font-size:20px;font-weight:600}.guide-landing__actions{flex-wrap:wrap;align-items:center;gap:12px;display:flex}.guide-landing__secondary{color:var(--accent);font-size:14px;font-weight:500}.guide-landing__secondary:hover{text-decoration:underline}.article-head--compact{padding-bottom:12px}.guide-hub{border-top:1px solid var(--border);background:var(--bg);box-sizing:border-box;width:100%;max-width:1280px;margin:0 auto;padding:48px 24px 72px;display:block}.guide-hub--top{background:var(--surface);border-top:0;border-bottom:1px solid var(--border);max-width:none;padding-top:24px;padding-bottom:48px}.guide-hub--top .guide-hub__group{max-width:1280px;margin-left:auto;margin-right:auto}.guide-hub__intro{max-width:1280px;margin:0 auto 24px}.guide-hub__intro-title{font-family:var(--font-display);margin-bottom:8px;font-size:28px;font-weight:600}.guide-hub__intro-text{color:var(--muted);max-width:640px;font-size:15px}.guide-about-label{border-bottom:1px solid var(--border);margin-bottom:28px;padding-bottom:20px}.guide-about-label__title{font-family:var(--font-display);margin-bottom:8px;font-size:24px;font-weight:600}.guide-about-label__text{color:var(--muted);font-size:15px}.article-layout--after-hub{padding-top:40px}.guide-hub .articles__head{border-bottom:1px solid var(--border);flex-wrap:wrap;justify-content:space-between;align-items:baseline;gap:16px;margin-bottom:24px;padding-bottom:16px;display:flex}.guide-hub .articles__grid{grid-template-columns:repeat(3,1fr);gap:20px;display:grid}@media (max-width:980px){.guide-hub .articles__grid{grid-template-columns:repeat(2,1fr)}}@media (max-width:640px){.guide-hub .articles__grid{grid-template-columns:1fr}}.guide-hub__card{color:inherit;height:100%;text-decoration:none}.guide-hub__card .article-card__heading{color:var(--fg);transition:color .15s}.guide-hub__card:hover .article-card__heading,.guide-hub__more{color:var(--accent)}.guide-hub__more{white-space:nowrap;margin-left:auto;font-size:13px;font-weight:500}.guide-hub__nav{flex-wrap:wrap;gap:8px;margin-bottom:32px;display:flex}.guide-hub__nav-link{background:var(--surface);border:1px solid var(--border);color:var(--muted);border-radius:999px;padding:8px 14px;font-size:13px;font-weight:500;transition:all .15s}.guide-hub__nav-link:hover{border-color:var(--border-strong);color:var(--fg)}.guide-hub__group{margin-bottom:40px;scroll-margin-top:88px}.guide-hub__group:last-child{margin-bottom:0}.guide-hub__group-head{border-bottom:1px solid var(--border);margin-bottom:20px;padding-bottom:12px}.guide-hub__group-title{font-family:var(--font-display);letter-spacing:-.01em;margin-bottom:6px;font-size:22px;font-weight:600}.guide-hub__group-desc{color:var(--muted);max-width:720px;font-size:14px;line-height:1.5}.guide-hub__group-count{color:var(--subtle);margin-top:8px;font-size:12px}.articles__grid--premium{grid-template-columns:repeat(3,1fr);gap:16px}.guide-hub__card--premium{transition:transform .18s,box-shadow .18s,border-color .18s;overflow:hidden}.guide-hub__card--premium:hover{border-color:var(--border-strong);transform:translateY(-3px);box-shadow:0 12px 32px #00000014}.guide-hub__card-top{border-bottom:1px solid var(--border);align-items:center;gap:10px;padding:14px 16px 10px;display:flex}.guide-hub__card-top--gos{background:linear-gradient(135deg,oklch(97% .03 150) 0,var(--surface) 100%)}.guide-hub__card-top--market{background:linear-gradient(135deg,var(--accent-soft) 0,var(--surface) 100%)}.guide-hub__card-icon{font-size:20px;line-height:1}.guide-hub__card-rate{color:var(--muted);white-space:nowrap;margin-left:auto;font-size:12px;font-weight:600}@media (max-width:980px){.articles__grid--premium{grid-template-columns:repeat(2,1fr)}.guide-hub-hero__actions .calc__cta{justify-content:center;width:100%}}@media (max-width:640px){.articles__grid--premium{grid-template-columns:1fr}.guide-landing__stats{grid-template-columns:1fr 1fr}}.journal-page{max-width:1280px;margin:0 auto;padding:16px 24px 72px}.journal-page__featured{margin-bottom:40px}.journal-featured{min-height:280px;color:inherit;grid-template-rows:none;grid-template-columns:1.2fr 1fr;text-decoration:none;display:grid}.journal-featured .article__cover{min-height:280px}@media (max-width:900px){.journal-featured{grid-template-rows:220px auto;grid-template-columns:1fr}}.journal-page__grid.articles{grid-template-columns:none;max-width:none;padding:0;display:block}.journal-page__pagination{justify-content:center;align-items:center;gap:12px;margin-top:40px;display:flex}.journal-card{color:inherit;height:100%;text-decoration:none}.journal-card:hover .article-card__heading{color:var(--accent)}.journal-card__more{color:var(--accent);white-space:nowrap;margin-left:auto;font-size:13px;font-weight:500}.analytics-page{flex-direction:column;gap:32px;display:flex}.analytics-grid{gap:20px;display:grid}.analytics-grid--tiles{grid-template-columns:repeat(auto-fill,minmax(200px,1fr))}.analytics-grid--charts{grid-template-columns:repeat(2,1fr)}.analytics-grid--wide{grid-template-columns:1fr}@media (max-width:900px){.analytics-grid--charts{grid-template-columns:1fr}}.stat-tile{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);flex-direction:column;gap:8px;min-height:120px;padding:18px 20px;display:flex}.stat-tile-link{color:inherit;text-decoration:none;transition:transform .15s,border-color .15s;display:block}.stat-tile-link:hover{border-color:var(--border-strong);transform:translateY(-2px)}.stat-tile-link:hover .stat-tile{border-color:var(--border-strong);box-shadow:0 8px 24px -12px #00000014}.stat-tile__head{justify-content:space-between;align-items:center;gap:8px;display:flex}.stat-tile__label{color:var(--muted);text-transform:uppercase;letter-spacing:.04em;font-size:12px;font-weight:600}.stat-tile__value{font-family:var(--font-display);font-variant-numeric:tabular-nums;font-size:28px;font-weight:700;line-height:1.1}.stat-tile__delta{color:var(--success);white-space:nowrap;font-size:12px;font-weight:600}.stat-tile__delta.is-up{color:var(--danger)}.stat-tile__delta.is-down{color:var(--success)}.sparkline{width:100%;min-height:36px}.chart-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);padding:20px 24px 16px}.chart-card__head{flex-wrap:wrap;justify-content:space-between;align-items:flex-start;gap:16px;margin-bottom:16px;display:flex}.chart-card__title{font-family:var(--font-display);margin:0 0 4px;font-size:20px;font-weight:600}.chart-card__subtitle{color:var(--muted);margin:0;font-size:14px}.chart-card__subtitle .is-up{color:var(--danger)}.chart-card__subtitle .is-down{color:var(--success)}.chart-card__body{width:100%}.chart-card__source{color:var(--subtle);margin:12px 0 0;font-size:12px}.seg-control{background:var(--surface-2);border:1px solid var(--border);border-radius:999px;gap:2px;padding:3px;display:inline-flex}.seg-control__btn{color:var(--muted);cursor:pointer;background:0 0;border:none;border-radius:999px;padding:6px 12px;font-size:12px;font-weight:600}.seg-control__btn.is-active{background:var(--surface);color:var(--fg);box-shadow:0 1px 3px #0000000f}.market-summary__head{justify-content:space-between;align-items:center;gap:12px;margin-bottom:12px;display:flex}.market-summary__tiles{flex-direction:column;gap:10px;display:flex}.guide-metric-chart{margin:28px 0}.guide-metric-chart__link{color:var(--accent);margin-top:8px;font-size:13px;font-weight:500;display:inline-block}:root{--bg:#fafaf7;--surface:#fff;--surface-2:#f2f1ec;--fg:oklch(22% .012 220);--muted:oklch(48% .012 220);--subtle:oklch(70% .008 220);--border:oklch(90% .008 220);--border-strong:oklch(82% .012 220);--accent:oklch(48% .12 210);--accent-2:oklch(62% .14 195);--accent-soft:oklch(95% .025 200);--success:oklch(55% .13 155);--success-soft:oklch(96% .04 150);--warn:oklch(70% .15 70);--danger:oklch(58% .18 25);--family:oklch(58% .16 50);--family-soft:oklch(96% .04 70);--it:oklch(50% .15 290);--it-soft:oklch(96% .03 290);--gov:oklch(55% .13 155);--gov-soft:oklch(96% .04 150);--docs:oklch(50% .12 30);--docs-soft:oklch(96% .03 30);--refi:oklch(52% .14 175);--refi-soft:oklch(96% .03 175);--radius-sm:8px;--radius-md:14px;--radius-lg:20px;--radius-xl:28px;--font-display:var(--font-display-var),Georgia,serif;--font-body:var(--font-body-var),system-ui,sans-serif;--font-mono:var(--font-mono-var),ui-monospace,monospace}*{box-sizing:border-box}html{scroll-behavior:smooth}body{font-family:var(--font-body);background:var(--bg);color:var(--fg);-webkit-font-smoothing:antialiased;margin:0;padding:0;line-height:1.5}a{color:inherit;text-decoration:none}button,input,select,textarea{font:inherit}img{max-width:100%;display:block}.container{width:min(1280px,100% - 48px);margin:0 auto}html[data-theme=dark]{--bg:oklch(16% .012 220);--surface:oklch(22% .012 220);--surface-2:oklch(26% .012 220);--fg:oklch(95% .01 220);--muted:oklch(72% .01 220);--subtle:oklch(58% .01 220);--border:oklch(32% .012 220);--border-strong:oklch(40% .012 220);--accent:oklch(62% .12 210);--accent-2:oklch(68% .14 195);--accent-soft:oklch(28% .04 210);--success-soft:oklch(28% .04 150);--family-soft:oklch(28% .04 70);--it-soft:oklch(28% .03 290);--gov-soft:oklch(28% .04 150)}html[data-theme=dark] .nav{background:#161c24e6}html.a11y-mode{font-size:112%}html.a11y-mode .logo,html.a11y-mode h1,html.a11y-mode h2{letter-spacing:.02em}.nav__actions{align-items:center;gap:8px;margin-left:auto;display:flex}.nav__icon-btn{border:1px solid var(--border);background:var(--surface);cursor:pointer;font:inherit;color:var(--fg);border-radius:8px;padding:6px 10px}.nav__menu.is-open{display:flex}.nav__dropdown{position:relative}.nav__dropdown-trigger{color:var(--muted);cursor:pointer;background:0 0;border:0;border-radius:999px;align-items:center;gap:4px;padding:8px 14px;font-family:inherit;font-size:14px;font-weight:500;transition:color .15s,background .15s;display:inline-flex}.nav__dropdown-trigger.is-active,.nav__dropdown-trigger:hover,.nav__menu a.is-active{color:var(--fg);background:#0000000a}.nav__dropdown-panel{background:var(--surface);border:1px solid var(--border);z-index:70;border-radius:14px;flex-direction:column;gap:2px;min-width:240px;margin-top:6px;padding:8px;display:flex;position:absolute;top:100%;left:0;box-shadow:0 12px 32px #00000014}.nav__dropdown-panel:before{content:"";height:12px;position:absolute;top:-12px;left:0;right:0}.nav__dropdown-link{color:var(--fg);border-radius:10px;padding:10px 12px;font-size:14px;transition:background .15s;display:block}.nav__dropdown-link.is-active,.nav__dropdown-link:hover{color:var(--fg);background:#0000000a}@media (max-width:900px){.nav__menu.is-open{background:var(--surface);border-bottom:1px solid var(--border);z-index:60;flex-direction:column;padding:12px 16px;position:absolute;top:100%;left:0;right:0}.nav__inner{flex-wrap:wrap;position:relative}.nav__dropdown--mobile{width:100%}.nav__dropdown-trigger{justify-content:space-between;width:100%}.nav__dropdown-panel--mobile{box-shadow:none;border:0;min-width:0;padding:4px 0 8px 12px;position:static}.nav__dropdown-panel--mobile a{color:var(--muted);border-radius:10px;padding:10px 12px;font-size:14px;display:block}.nav__dropdown-panel--mobile a.is-active,.nav__dropdown-panel--mobile a:hover{color:var(--fg);background:#0000000a}}.admin-body{background:var(--surface-2)}.admin-body main{min-height:100vh}.admin-shell{width:min(1120px,100% - 32px);margin:0 auto;padding:32px 0 64px}.admin-header h1{margin:0 0 8px}.admin-header p{color:var(--muted);margin:0}.admin-login{justify-content:center;align-items:center;min-height:70vh;display:flex}.admin-login-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);width:min(420px,100%);padding:28px;box-shadow:0 12px 32px -8px #00000014}.admin-login-card h1{margin:0 0 8px}.admin-login-card p{color:var(--muted);margin:0 0 16px}.admin-login-card input{border:1px solid var(--border);background:var(--surface);width:100%;color:var(--fg);border-radius:8px;margin-bottom:12px;padding:12px 14px}.admin-login-card button{background:var(--accent);color:#fff;cursor:pointer;border:none;border-radius:8px;width:100%;padding:12px 14px;font-weight:600}.admin-error{color:var(--danger);margin-top:12px}.admin-tabs{border-bottom:1px solid var(--border);flex-wrap:wrap;gap:8px;margin:20px 0;padding-bottom:8px;display:flex}.admin-tab{border:1px solid var(--border);background:var(--surface);cursor:pointer;border-radius:8px;padding:8px 16px;font-size:.92rem}.admin-tab.is-active{background:var(--accent-soft);border-color:var(--accent);font-weight:600}.admin-tab-panel{margin-top:8px}.admin-btn{border:1px solid var(--border);background:var(--surface);cursor:pointer;border-radius:8px;padding:8px 14px;font-size:.9rem}.admin-btn--primary{background:var(--accent);color:#fff;border-color:var(--accent)}.admin-btn:disabled{opacity:.6;cursor:not-allowed}.admin-input{border:1px solid var(--border);border-radius:6px;padding:4px 8px}.admin-meta{color:var(--muted);margin:8px 0 16px;font-size:.9rem}.admin-rate-fresh td{background:var(--accent)}@supports (color:color-mix(in lab,red,red)){.admin-rate-fresh td{background:color-mix(in oklch,var(--accent) 8%,transparent)}}.admin-rate-ok td{background:oklch(79.2689% .171026 70.6699/.06)}.admin-rate-stale td{background:oklch(62.7955% .257683 29.2339/.06)}.admin-rate-manual td{background:oklch(45.2014% .313214 264.052/.06)}.admin-toolbar{flex-wrap:wrap;align-items:center;gap:12px;margin:24px 0 12px;display:flex}.admin-status{background:var(--accent-soft);border-radius:8px;margin-bottom:20px;padding:12px 16px}.admin-stats{grid-template-columns:repeat(auto-fill,minmax(160px,1fr));gap:12px;margin-bottom:28px;display:grid}.admin-stat{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-md);padding:16px}.admin-stat-value{font-size:1.6rem;font-weight:700}.admin-stat-label{color:var(--muted);margin-top:4px;font-size:.88rem}.admin-section{margin-bottom:32px}.admin-table-wrap{overflow-x:auto}.admin-table{border-collapse:collapse;background:var(--surface);border-radius:var(--radius-md);width:100%;overflow:hidden}.admin-table td,.admin-table th{border-bottom:1px solid var(--border);text-align:left;vertical-align:top;padding:12px 14px;font-size:.92rem}.admin-table th{background:var(--accent-soft)}.admin-editor-overlay{z-index:1000;background:#00000073;justify-content:center;align-items:center;padding:24px;display:flex;position:fixed;inset:0}.admin-editor{background:var(--surface);border-radius:var(--radius-lg);width:min(920px,100%);max-height:90vh;padding:24px;overflow:auto}.chat-fab{background:var(--accent);color:#fff;cursor:pointer;z-index:900;border:none;border-radius:50%;width:56px;height:56px;font-size:1.4rem;bottom:20px;box-shadow:0 12px 32px -8px #0003}.chat-fab,.chat-panel{position:fixed;right:20px}.chat-panel{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);z-index:901;flex-direction:column;width:min(420px,100vw - 24px);max-height:min(640px,100vh - 120px);display:flex;bottom:88px;overflow:hidden;box-shadow:0 12px 32px -8px #00000026}.chat-panel-header{border-bottom:1px solid var(--border);background:var(--accent-soft);justify-content:space-between;gap:12px;padding:14px 16px;display:flex}.chat-messages{flex-direction:column;flex:1;gap:12px;padding:12px 16px;display:flex;overflow-y:auto}.chat-input-row{border-top:1px solid var(--border);gap:8px;padding:12px 16px;display:flex}.chat-input-row input{border:1px solid var(--border);background:var(--surface);color:var(--fg);border-radius:8px;flex:1;padding:10px 12px}.chat-msg-user .chat-msg-bubble{background:var(--accent);color:#fff;border-radius:12px;padding:10px 14px}.chat-msg-assistant .chat-msg-bubble{background:var(--surface-2);border:1px solid var(--border);border-radius:12px;padding:10px 14px}.programmy-hub-page{max-width:1280px;margin:0 auto;padding:0 16px 48px}.programmy-hub-hero{background:linear-gradient(135deg,var(--accent),var(--surface));border-radius:16px;margin:24px 0 32px;padding:28px 32px}@supports (color:color-mix(in lab,red,red)){.programmy-hub-hero{background:linear-gradient(135deg,color-mix(in oklch,var(--accent) 12%,var(--surface)),var(--surface))}}.programmy-hub-hero{border:1px solid var(--border)}.programmy-hub-hero__eyebrow{color:var(--accent);margin-bottom:8px;font-size:.85rem;font-weight:600;display:inline-block}.programmy-hub-hero__title{margin:0 0 12px;font-size:clamp(1.6rem,3vw,2.2rem)}.programmy-hub-hero__lead{color:var(--muted);max-width:720px;margin:0 0 20px}.programmy-hub-hero__stats{flex-wrap:wrap;gap:24px;margin-bottom:20px;display:flex}.programmy-hub-hero__stats div{flex-direction:column;gap:2px;display:flex}.programmy-hub-hero__stats strong{font-size:1.4rem}.programmy-hub-hero__stats span{color:var(--muted);font-size:.85rem}.programmy-hub-hero__actions{flex-wrap:wrap;gap:12px;display:flex}.programmy-hub-editorial{margin-top:48px}.constructor{margin:32px 0}.constructor__intro{margin-bottom:24px}.constructor__eyebrow{color:var(--accent);font-size:.85rem;font-weight:600}.constructor__title{margin:8px 0;font-size:1.5rem}.constructor__lead{color:var(--muted);max-width:720px}.constructor-box{background:var(--surface);border:1px solid var(--border);box-shadow:none;border-radius:12px;padding:20px 24px;position:static}.constructor .panel{position:static;top:auto}.constructor__filters{margin-bottom:20px}.constructor__filter-row{grid-template-columns:repeat(4,minmax(0,1fr));gap:16px;display:grid}@media (max-width:768px){.constructor__filter-row{grid-template-columns:1fr 1fr}}@media (max-width:480px){.constructor__filter-row{grid-template-columns:1fr}}.constructor__chips{flex-wrap:wrap;gap:8px;margin-top:16px;display:flex}.constructor__loading{color:var(--muted);margin-top:12px;font-size:.9rem}.constructor__grid{grid-template-columns:minmax(0,1fr) 400px;align-items:start;gap:24px;display:grid}.constructor__main{min-width:0}.constructor-matrix-wrap{background:var(--surface);border:1px solid var(--border);border-radius:12px;overflow:visible}.constructor-toolbar{z-index:20;background:var(--surface);border-bottom:1px solid var(--border);border-radius:12px 12px 0 0;padding:8px 12px;position:sticky;top:72px;box-shadow:0 2px 8px #00000008}.constructor-toolbar--compact{align-items:center;gap:8px;min-height:44px;display:flex}.constructor-toolbar__filters{flex-wrap:wrap;flex:1;align-items:center;gap:6px;min-width:0;display:flex}.constructor-toolbar__loading{color:var(--muted);flex-shrink:0;font-size:.85rem}.constructor-dd{position:relative}.constructor-dd__trigger{border:1px solid var(--border);background:var(--surface-2);font:inherit;cursor:pointer;white-space:nowrap;border-radius:8px;align-items:center;gap:6px;max-width:100%;padding:6px 10px;font-size:.85rem;transition:border-color .15s,background .15s;display:inline-flex}.constructor-dd.is-open .constructor-dd__trigger,.constructor-dd__trigger:hover{border-color:var(--accent)}@supports (color:color-mix(in lab,red,red)){.constructor-dd.is-open .constructor-dd__trigger,.constructor-dd__trigger:hover{border-color:color-mix(in oklch,var(--accent) 40%,var(--border))}}.constructor-dd.is-open .constructor-dd__trigger,.constructor-dd__trigger:hover{background:var(--surface)}.constructor-dd__label{color:var(--muted);font-size:.75rem}.constructor-dd__value{text-overflow:ellipsis;max-width:140px;font-weight:600;overflow:hidden}.constructor-dd__caret{color:var(--muted);margin-left:2px;font-size:.65rem}.constructor-dd__menu{z-index:30;border:1px solid var(--border);background:var(--surface);border-radius:10px;min-width:180px;max-width:min(280px,90vw);max-height:280px;padding:4px;position:absolute;top:calc(100% + 4px);left:0;overflow-y:auto;box-shadow:0 8px 24px #0000001f}.constructor-dd__item{width:100%;font:inherit;text-align:left;cursor:pointer;background:0 0;border:none;border-radius:6px;padding:8px 10px;font-size:.85rem;display:block}.constructor-dd__item:hover{background:var(--surface-2)}.constructor-dd__item.is-active{background:var(--accent)}@supports (color:color-mix(in lab,red,red)){.constructor-dd__item.is-active{background:color-mix(in oklch,var(--accent) 12%,var(--surface))}}.constructor-dd__item.is-active{font-weight:600}.constructor-program-tabs{border-bottom:1px solid var(--border);scrollbar-width:thin;flex-wrap:nowrap;gap:6px;padding:8px 12px;display:flex;overflow-x:auto}.constructor-program-tabs__tab{border:1px solid var(--border);background:var(--surface);cursor:pointer;border-radius:999px;flex-shrink:0;align-items:center;gap:5px;padding:6px 11px;font-size:.82rem;transition:border-color .15s,background .15s;display:inline-flex}.constructor-program-tabs__tab.is-active{border-color:var(--accent);background:var(--accent)}@supports (color:color-mix(in lab,red,red)){.constructor-program-tabs__tab.is-active{background:color-mix(in oklch,var(--accent) 10%,var(--surface))}}.constructor-program-tabs__tab--all,.constructor-program-tabs__tab.is-active{font-weight:600}.constructor-program-tabs__icon{font-size:.95rem;line-height:1}.constructor-matrix__program{color:var(--muted);white-space:nowrap;font-size:.82rem}.constructor-toolbar__controls,.constructor-toolbar__field,.constructor-toolbar__sort,.constructor-toolbar__sort-dir,.constructor-toolbar__summary{display:none}.constructor-sidebar{flex-direction:column;align-self:start;gap:12px;max-height:calc(100vh - 88px);display:flex;position:sticky;top:72px;overflow-y:auto}.constructor-sidebar__tabs{display:none}.constructor-sidebar__tab{border:1px solid var(--border);background:var(--surface);cursor:pointer;border-radius:999px;align-items:center;gap:6px;padding:8px 12px;font-size:.85rem;transition:border-color .15s,background .15s;display:inline-flex}.constructor-sidebar__tab.is-active{border-color:var(--accent);background:var(--accent)}@supports (color:color-mix(in lab,red,red)){.constructor-sidebar__tab.is-active{background:color-mix(in oklch,var(--accent) 10%,var(--surface))}}.constructor-sidebar__tab.is-active{font-weight:600}.constructor-sidebar__tab-icon{font-size:1rem;line-height:1}.constructor-sidebar__title{margin:0 0 8px;font-size:1.15rem}.constructor-sidebar__desc{color:var(--muted);margin:0 0 12px;font-size:.9rem;line-height:1.45}.constructor-sidebar__picked{background:var(--surface-2);border-radius:8px;margin:12px 0 0;padding:10px;font-size:.9rem}.constructor-sidebar__calc h3{margin:0 0 8px;font-size:1.05rem}@media (max-width:1100px){.constructor__grid{grid-template-columns:1fr}.constructor-sidebar{max-height:none;position:static;overflow:visible}.constructor-toolbar{box-shadow:none;position:static}}.constructor-matrix-scroll{overflow-x:auto}.constructor-matrix{border-collapse:collapse;width:100%;min-width:640px;font-size:.9rem}.constructor-matrix td,.constructor-matrix th{border-bottom:1px solid var(--border);text-align:left;vertical-align:middle;padding:10px 12px}.constructor-matrix th{color:var(--muted);white-space:nowrap;font-size:.8rem;font-weight:600}.constructor-matrix__action{white-space:nowrap;width:1%}.constructor-matrix__row.is-selected{background:var(--accent)}@supports (color:color-mix(in lab,red,red)){.constructor-matrix__row.is-selected{background:color-mix(in oklch,var(--accent) 8%,transparent)}}.constructor-badge,.constructor-matrix__row--fresh td:first-child,.constructor-matrix__row--ok td:first-child,.constructor-matrix__row--stale td:first-child,.constructor-matrix__row--unknown td:first-child{display:none}.constructor-bank{align-items:center;gap:10px;min-width:140px;display:flex}.constructor-bank__name{font-weight:500;line-height:1.2}.constructor-bank__logo{color:#fff;border-radius:8px;flex-shrink:0;justify-content:center;align-items:center;width:32px;height:32px;font-size:.8rem;font-weight:700;display:inline-flex}.constructor-bank__logo-img{object-fit:contain;border:1px solid var(--border);background:#fff;border-radius:8px;flex-shrink:0;width:32px;height:32px}.constructor-rate{white-space:nowrap;font-size:1.05rem}.constructor-badge{color:var(--muted);margin-top:2px;font-size:.7rem;display:block}.constructor-badge--regional{color:var(--accent)}.constructor-badge--source{font-weight:500}.constructor-badge--llm_verified{color:#1d4ed8;font-weight:600}.constructor-badge--verified{color:#15803d}.constructor-badge--seed{color:#b45309}.constructor-badge--suspicious{color:#b91c1c}.constructor-sidebar__rate-note{color:var(--muted);margin-top:2px;font-size:.75rem;font-weight:400;display:block}.constructor-select-btn{white-space:nowrap;padding:6px 12px;font-size:.85rem}.constructor-empty{text-align:center;color:var(--muted);border:1px solid var(--border);border-radius:12px;padding:32px}.constructor-example{margin-bottom:0}.constructor-example__head{align-items:flex-start;gap:12px;margin-bottom:16px;display:flex}.constructor-example__icon{font-size:1.8rem}.constructor-example__stats{grid-template-columns:1fr 1fr;gap:12px;margin:0;display:grid}.constructor-example__stats dt{color:var(--muted);font-size:.8rem}.constructor-example__stats dd{margin:0;font-weight:600}.constructor-example__selected{background:var(--surface-2);border-radius:8px;margin-top:12px;padding:10px}.constructor-example__disclaimer{color:var(--muted);margin-top:12px;margin-bottom:0;font-size:.8rem}.constructor-calc h3{margin:0 0 8px;font-size:1.1rem}.constructor-calc__meta{color:var(--muted);margin-bottom:16px;font-size:.85rem}.constructor-calc__result{border-top:1px solid var(--border);margin-top:16px;padding-top:16px}.constructor-calc__result>strong{margin-top:4px;font-size:1.5rem;display:block}.constructor-calc__stats{grid-template-columns:1fr 1fr;gap:12px;margin-top:12px;display:grid}.constructor-calc__stats span{color:var(--muted);font-size:.8rem;display:block}.constructor-lead h3{margin:0 0 8px;font-size:1.1rem}.constructor-lead__hint{color:var(--muted);margin-bottom:12px;font-size:.9rem}.constructor-lead__error{color:var(--danger);margin-top:8px}.constructor-lead--ok{background:var(--accent)}@supports (color:color-mix(in lab,red,red)){.constructor-lead--ok{background:color-mix(in oklch,var(--accent) 8%,var(--surface))}}@property --tw-border-style{syntax:"*";inherits:false;initial-value:solid}@property --tw-blur{syntax:"*";inherits:false}@property --tw-brightness{syntax:"*";inherits:false}@property --tw-contrast{syntax:"*";inherits:false}@property --tw-grayscale{syntax:"*";inherits:false}@property --tw-hue-rotate{syntax:"*";inherits:false}@property --tw-invert{syntax:"*";inherits:false}@property --tw-opacity{syntax:"*";inherits:false}@property --tw-saturate{syntax:"*";inherits:false}@property --tw-sepia{syntax:"*";inherits:false}@property --tw-drop-shadow{syntax:"*";inherits:false}@property --tw-drop-shadow-color{syntax:"*";inherits:false}@property --tw-drop-shadow-alpha{syntax:"<percentage>";inherits:false;initial-value:100%}@property --tw-drop-shadow-size{syntax:"*";inherits:false}