:root{color-scheme:light;--color-bg: #fafcfb;--paper: #fafcfb;--color-bg-soft: #f1f8f4;--color-surface: #f3faf7;--color-surface-strong: #ecfbf4;--color-card: #ffffff;--surface: #ffffff;--surface-grid: #eef4f1;--color-navy: #0a1628;--ink-900: #0a1628;--ink-800: #0f1f38;--ink-700: #1c3050;--glass-stroke: rgba(255, 255, 255, .12);--color-text: #0f2236;--color-muted: #46596e;--text-on-dark: #e6eef6;--text-on-dark-muted: #9db0c7;--color-border: #dce7e2;--line: #dce7e2;--color-primary: #047857;--color-primary-dark: #065f46;--color-primary-soft: #ecfbf4;--mint-tint: #ecfbf4;--color-accent: #0e9f6e;--emerald-500: #0e9f6e;--emerald-300: #6ee7b7;--teal-500: #0ea5a4;--violet-500: #7c6ff0;--amber-500: #f59e0b;--color-gold: #f59e0b;--rose-500: #e5484d;--gold-shimmer: #e0a106;--shadow-soft: 0 10px 30px rgba(10, 22, 40, .06);--shadow-card: 0 18px 45px rgba(10, 22, 40, .1);--shadow-lift: 0 18px 45px rgba(4, 120, 87, .16);--radius-sm: 10px;--radius-md: 16px;--radius-lg: 24px;--font-num: "Space Grotesk", Inter, ui-sans-serif, system-ui, sans-serif;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif}*{box-sizing:border-box}html{background:var(--color-bg);color:var(--color-text);scroll-behavior:smooth;overflow-x:clip}body{margin:0;min-width:320px;background:radial-gradient(circle at 12% -5%,rgba(14,159,110,.08),transparent 32rem),radial-gradient(circle at 92% 0%,rgba(124,111,240,.06),transparent 30rem),var(--color-bg);font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;text-rendering:optimizeLegibility}.result-value,.metric-grid strong,.rate-value,.hero-panel dd,.stat-num,.num,.donut-center-value{font-family:var(--font-num);font-variant-numeric:tabular-nums;font-feature-settings:"tnum" 1}a{color:var(--color-primary);text-decoration-thickness:.08em;text-underline-offset:.18em}a:hover{color:var(--color-primary-dark)}img,svg{max-width:100%}.site-shell{min-height:100vh;display:flex;flex-direction:column}.container{width:min(100% - 2rem,1120px);margin-inline:auto}.site-header{position:sticky;z-index:20;top:0;border-bottom:1px solid rgba(220,231,226,.7);background:#fafcfbb8;backdrop-filter:blur(18px) saturate(140%);transition:background .22s ease,box-shadow .22s ease,border-color .22s ease}.site-header.scrolled{background:#fafcfbf2;border-bottom-color:var(--line);box-shadow:0 8px 28px #0a162812}.header-inner{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:.75rem 1rem;padding:.9rem 0}.skip-link{position:absolute;left:.75rem;top:-3rem;z-index:60;padding:.55rem .95rem;border-radius:10px;background:var(--color-primary);color:#fff;font-weight:700;text-decoration:none;transition:top .16s ease}.skip-link:focus{top:.75rem}.brand{display:inline-flex;align-items:center;gap:.7rem;width:fit-content;color:var(--color-navy);font-weight:800;font-size:1.14rem;letter-spacing:-.02em;text-decoration:none}.brand-mark{display:grid;width:2.35rem;height:2.35rem;place-items:center;border-radius:12px;background:linear-gradient(135deg,var(--color-primary),var(--color-accent));color:#fff;font-family:var(--font-num);font-weight:700;box-shadow:0 12px 28px #04785747}.site-nav{display:none;flex-basis:100%;flex-direction:column;gap:.1rem;margin-top:.3rem;padding-top:.55rem;border-top:1px solid var(--line)}.site-nav.open{display:flex}.site-nav a{border-radius:999px;padding:.6rem .75rem;color:var(--color-muted);font-size:.96rem;font-weight:750;text-decoration:none}.site-nav a:hover{background:var(--color-primary-soft);color:var(--color-primary-dark)}.nav-toggle{display:inline-flex;align-items:center;justify-content:center;width:44px;height:44px;padding:0;border:1px solid var(--line);border-radius:12px;background:#ffffffb3;cursor:pointer}.nav-toggle:hover{background:var(--color-primary-soft);border-color:var(--color-primary-soft)}.nav-toggle-bars,.nav-toggle-bars:before,.nav-toggle-bars:after{content:"";display:block;width:20px;height:2px;border-radius:2px;background:var(--color-navy);transition:transform .2s ease,opacity .15s ease}.nav-toggle-bars{position:relative}.nav-toggle-bars:before{position:absolute;left:0;top:-6px}.nav-toggle-bars:after{position:absolute;left:0;top:6px}.nav-toggle[aria-expanded=true] .nav-toggle-bars{background:transparent}.nav-toggle[aria-expanded=true] .nav-toggle-bars:before{transform:translateY(6px) rotate(45deg)}.nav-toggle[aria-expanded=true] .nav-toggle-bars:after{transform:translateY(-6px) rotate(-45deg)}main{flex:1}.hero{position:relative;overflow:hidden;padding:3.75rem 0 2.75rem;border-bottom:1px solid rgba(213,229,223,.75);background:linear-gradient(135deg,#04785721,#fff0 45%),linear-gradient(180deg,#fff,#f8fafc)}.hero:before,.hero:after{position:absolute;content:"";pointer-events:none}.hero:before{width:22rem;height:22rem;right:-8rem;top:-9rem;border-radius:999px;background:#10b98129;filter:blur(4px)}.hero:after{width:18rem;height:18rem;left:-9rem;bottom:-10rem;border-radius:999px;background:#0f172a0f}.hero-grid{position:relative;z-index:1;display:grid;gap:2rem}.hero-copy{max-width:46rem}.eyebrow{margin:0 0 .75rem;color:var(--color-primary);font-size:.78rem;font-weight:900;letter-spacing:.11em;text-transform:uppercase}h1,h2,h3{margin:0;color:var(--color-navy);line-height:1.12;letter-spacing:-.02em;font-weight:800}h1{max-width:17ch;font-size:clamp(2.3rem,6vw,3.9rem)}.hero h1{max-width:18ch}h2{font-size:clamp(1.75rem,5vw,2.6rem)}h3{font-size:1.15rem}.lede{max-width:44rem;margin:1rem 0 0;color:var(--color-muted);font-size:clamp(1.08rem,3vw,1.28rem)}.button-row{display:flex;flex-wrap:wrap;gap:.8rem;margin-top:1.6rem}.button{display:inline-flex;min-height:2.85rem;align-items:center;justify-content:center;border:1px solid var(--color-primary);border-radius:999px;padding:.75rem 1.1rem;background:linear-gradient(135deg,var(--color-primary),var(--color-primary-dark));color:#fff;font-weight:900;text-decoration:none;box-shadow:0 14px 28px #04785738}.button:hover{background:linear-gradient(135deg,var(--color-primary-dark),#022c22);color:#fff;transform:translateY(-1px)}.button.secondary{border-color:var(--color-border);background:#fff;color:var(--color-primary-dark);box-shadow:none}.button.secondary:hover{background:var(--color-surface-strong);color:var(--color-primary-dark)}.trust-strip{display:flex;flex-wrap:wrap;gap:.6rem;margin-top:1.4rem}.trust-strip span{display:inline-flex;align-items:center;border:1px solid rgba(4,120,87,.16);border-radius:999px;padding:.4rem .7rem;background:#ffffffc2;color:var(--color-primary-dark);font-size:.88rem;font-weight:850}.trust-strip span:before{width:.45rem;height:.45rem;margin-right:.45rem;border-radius:999px;background:var(--color-accent);content:""}.hero-panel,.content-card,.tool-card,.finance-card{border:1px solid var(--color-border);border-radius:var(--radius-md);background:var(--color-card)}.hero-panel{padding:1.25rem;box-shadow:var(--shadow-soft)}.hero-panel dl{display:grid;gap:1rem;margin:0}.hero-panel div{padding-bottom:1rem;border-bottom:1px solid var(--color-border)}.hero-panel div:last-child{padding-bottom:0;border-bottom:0}.hero-panel dt{color:var(--color-muted);font-size:.85rem;font-weight:700}.hero-panel dd{margin:.2rem 0 0;color:var(--color-navy);font-size:1.35rem;font-weight:850}.finance-visual{display:grid;align-items:center}.finance-card{position:relative;overflow:hidden;padding:1.25rem;box-shadow:var(--shadow-card)}.finance-card:before{position:absolute;inset:0;background:radial-gradient(circle at 20% 0%,rgba(16,185,129,.16),transparent 16rem),linear-gradient(180deg,#fffffff0,#fff);content:""}.finance-card>*{position:relative}.finance-card-header{display:flex;align-items:center;justify-content:space-between;gap:1rem}.mini-label,.metric-label{color:var(--color-muted);font-size:.8rem;font-weight:850}.metric-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.8rem;margin-top:1rem}.metric-grid div{border:1px solid rgba(213,229,223,.9);border-radius:var(--radius-sm);padding:.85rem;background:#f8fafcd9}.metric-grid strong{display:block;margin-top:.2rem;color:var(--color-navy);font-size:1.9rem;line-height:1}.mini-chart{display:flex;align-items:end;gap:.55rem;height:8rem;margin-top:1.25rem;border-radius:var(--radius-md);padding:1rem;background:linear-gradient(180deg,#04785714,#04785708)}.mini-chart span{flex:1;min-width:.8rem;border-radius:999px 999px 4px 4px;background:linear-gradient(180deg,var(--color-accent),var(--color-primary-dark));box-shadow:0 10px 20px #0478572e}.insight-list{display:grid;gap:.65rem;margin:1rem 0 0;padding-left:1.1rem;color:var(--color-muted);font-size:.94rem}.section{padding:3.25rem 0}.section.alt{background:linear-gradient(180deg,var(--color-surface),#ffffff)}.section-heading{max-width:45rem}.section-heading p{margin:.8rem 0 0;color:var(--color-muted)}.cat-heading{display:flex;align-items:center;gap:.85rem;max-width:none}.cat-heading p{margin:.25rem 0 0}.source-list{margin:.8rem 0 0;padding-left:1.2rem;display:grid;gap:.5rem}.source-list a{font-weight:700;color:var(--color-primary-dark)}.source-publisher{color:var(--color-muted);font-size:.92rem}.inflation-year-grid{display:flex;flex-wrap:wrap;gap:.4rem;margin-top:.7rem}.inflation-year-grid a{padding:.3rem .6rem;border-radius:8px;background:var(--color-primary-soft);color:var(--color-primary-dark);font-weight:700;font-size:.9rem;text-decoration:none}.inflation-year-grid a:hover{background:var(--color-primary);color:#fff}.grid{display:grid;gap:1rem;margin-top:1.5rem}.content-card,.tool-card{padding:1.25rem;box-shadow:0 1px #0f172a08;transition:border-color .18s ease,box-shadow .18s ease,transform .18s ease}.content-card:hover,.tool-card:hover{border-color:#04785747;box-shadow:var(--shadow-soft);transform:translateY(-2px)}.content-card p,.tool-card p{margin:.55rem 0 0;color:var(--color-muted)}.tool-card{display:flex;min-height:11.5rem;flex-direction:column;justify-content:space-between;gap:1rem}.tool-card h3,.content-card h3{margin-top:.7rem}.card-link{display:inline-flex;width:fit-content;align-items:center;gap:.35rem;color:var(--color-primary-dark);font-weight:900;text-decoration:none}.card-link:after{content:"→"}.card-link:hover{text-decoration:underline}.status-pill{display:inline-flex;width:fit-content;border-radius:999px;padding:.22rem .6rem;background:var(--color-primary-soft);color:var(--color-primary-dark);font-size:.76rem;font-weight:900}.article{width:min(100% - 2rem,850px);margin-inline:auto;padding:3.25rem 0}.article h1{max-width:13ch}.article h2{margin-top:2rem;font-size:1.5rem;letter-spacing:-.025em}.article p,.article li{color:var(--color-muted)}.article ul{padding-left:1.2rem}.article .content-section{margin-top:1.25rem}.article .small{color:var(--color-muted)}.calculator-hero{padding:3.25rem 0 2.35rem;border-bottom:1px solid var(--color-border);background:radial-gradient(circle at 85% 10%,rgba(16,185,129,.15),transparent 18rem),linear-gradient(135deg,#ffffff,var(--color-surface))}.calculator-hero h1{max-width:13ch}.calculator-hero-grid{display:grid;gap:1.25rem}.calculator-layout{display:grid;gap:1.5rem;padding:2rem 0 3.5rem}.calculator-main,.calculator-sidebar{display:grid;gap:1.5rem;align-content:start}.sidebar-toc ul{margin:.6rem 0 0;padding:0;list-style:none;display:grid;gap:.1rem}.sidebar-toc a{display:block;padding:.4rem .55rem;border-radius:8px;color:var(--color-muted);font-weight:700;font-size:.92rem;text-decoration:none}.sidebar-toc a:hover{background:var(--color-primary-soft);color:var(--color-primary-dark)}.sidebar-rate-list{margin:.6rem 0 .9rem;padding:0;list-style:none;display:grid;gap:.35rem}.sidebar-rate-list li{display:flex;align-items:baseline;justify-content:space-between;gap:.75rem;padding-bottom:.35rem;border-bottom:1px solid var(--line);font-size:.92rem;color:var(--color-muted)}.sidebar-rate-list strong{color:var(--color-text)}.calculator-widget{display:grid;gap:1rem}.calculator-form,.calculator-results,.content-section{border:1px solid var(--color-border);border-radius:var(--radius-md);background:#fff;padding:1.25rem;box-shadow:0 1px #0f172a08}.calculator-form h2,.calculator-results h2,.content-section h2{font-size:1.35rem}.input-grid{display:grid;gap:1rem;margin-top:1rem}.field{display:grid;gap:.4rem;color:var(--color-navy);font-weight:850}.input-wrap{display:grid;grid-template-columns:auto minmax(0,1fr) auto;align-items:center;min-height:3rem;border:1px solid var(--color-border);border-radius:var(--radius-sm);background:#fff;color:var(--color-muted);overflow:hidden}.input-wrap span{padding:0 .8rem;font-weight:850}.input-wrap input{width:100%;min-width:0;min-height:3rem;border:0;padding:.75rem;color:var(--color-navy);font:inherit;font-weight:750}.input-wrap input:focus{outline:3px solid rgba(16,185,129,.22);outline-offset:-3px}.calculator-results{background:radial-gradient(circle at top right,rgba(16,185,129,.22),transparent 14rem),linear-gradient(135deg,var(--color-navy),#020617);color:#e5eef8;box-shadow:var(--shadow-card)}.calculator-results h2{color:#fff}.calculator-results dl{display:grid;gap:.8rem;margin:1rem 0 0}.calculator-results dl div{display:grid;gap:.2rem;padding-bottom:.8rem;border-bottom:1px solid rgba(255,255,255,.16)}.calculator-results dl div:last-child{padding-bottom:0;border-bottom:0}.calculator-results dt{color:#bbf7d0;font-size:.9rem;font-weight:850}.calculator-results dd{margin:0;color:#fff;font-size:clamp(1.35rem,8vw,2rem);font-weight:950}.calculator-chart{margin-top:1.25rem;border-top:1px solid rgba(255,255,255,.16);padding-top:1rem}.calculator-chart h3{color:#fff;font-size:1rem;letter-spacing:-.01em}.calculator-chart p{margin:.35rem 0 0;color:#cbd5e1;font-size:.9rem}.chart-list{display:grid;gap:.8rem;margin-top:1rem}.chart-row{display:grid;gap:.35rem}.chart-row-heading{display:flex;align-items:baseline;justify-content:space-between;gap:.75rem;color:#dbeafe;font-size:.86rem;font-weight:800}.chart-row-heading strong{color:#fff;font-size:.9rem;white-space:nowrap}.chart-track{overflow:hidden;height:.75rem;border-radius:999px;background:#ffffff24}.chart-track span{display:block;height:100%;border-radius:inherit;background:linear-gradient(90deg,var(--color-accent),#bbf7d0);min-width:0}.chart-track span.negative{background:linear-gradient(90deg,#f97316,#fed7aa)}.calculator-warning{margin:1rem 0 0;border-radius:var(--radius-sm);padding:.85rem;background:#fef3c7;color:#78350f;font-weight:800}.content-section p,.content-section li{color:var(--color-muted)}.formula-list{display:grid;gap:.65rem;margin:1rem 0 0;padding-left:1.2rem}.faq-list{display:grid;gap:.7rem;margin-top:1rem}.faq-list details{border:1px solid var(--color-border);border-radius:var(--radius-sm);padding:.95rem 1rem;background:var(--color-surface)}.faq-list summary{cursor:pointer;color:var(--color-navy);font-weight:900}.faq-list p{margin:.7rem 0 0}.related-list{display:grid;gap:.65rem;margin-top:1rem}.related-link{display:block;border:1px solid var(--color-border);border-radius:var(--radius-sm);padding:.85rem 1rem;background:var(--color-surface);color:var(--color-primary-dark);font-weight:900;text-decoration:none}.related-link:hover{background:var(--color-surface-strong)}.disclaimer-box{border-color:#fde68a;background:#fffbeb}.category-grid{display:grid;gap:1rem;margin-top:1.5rem}.category-card ul{display:grid;gap:.45rem;margin:1rem 0 0;padding-left:1.1rem}.category-card a{font-weight:850;text-decoration:none}.category-card a:hover{text-decoration:underline}.breadcrumbs{display:flex;flex-wrap:wrap;gap:.35rem;margin-bottom:1.5rem;color:var(--color-muted);font-size:.9rem;font-weight:800}.breadcrumbs a{color:var(--color-primary-dark);text-decoration:none}.breadcrumbs a:hover{text-decoration:underline}.site-footer{border-top:1px solid rgba(255,255,255,.08);padding:2.3rem 0;background:radial-gradient(circle at 15% 0%,rgba(16,185,129,.18),transparent 22rem),var(--color-navy);color:#dbeafe}.footer-grid{display:grid;gap:1.5rem}.site-footer a{color:#bbf7d0}.footer-links{display:flex;flex-wrap:wrap;gap:.55rem 1rem}.footer-links a{text-decoration:none}.footer-links a:hover{text-decoration:underline}.footer-bottom{display:flex;flex-direction:column;gap:.35rem;margin-top:1.5rem;border-top:1px solid rgba(255,255,255,.1);padding-top:1rem}.footer-bottom .small{margin:0}.small{margin:.5rem 0 0;color:#cbd5e1;font-size:.9rem}@media(min-width:720px){.header-inner,.footer-grid{grid-template-columns:1fr auto}.header-inner{display:grid;align-items:center}.nav-toggle{display:none}.site-nav{display:flex;flex-basis:auto;flex-direction:row;flex-wrap:wrap;gap:.45rem;margin-top:0;padding-top:0;border-top:none;justify-content:flex-end}.site-nav a{padding:.35rem .7rem;font-size:.94rem}.hero{padding:5.5rem 0 3.75rem}.hero-grid{grid-template-columns:minmax(0,1fr) minmax(20rem,25rem);align-items:center}.grid.three{grid-template-columns:repeat(3,minmax(0,1fr))}.grid.two{grid-template-columns:repeat(2,minmax(0,1fr))}.category-grid{grid-template-columns:repeat(3,minmax(0,1fr))}.calculator-hero{padding:4.4rem 0 2.8rem}.calculator-hero-grid{grid-template-columns:minmax(0,1fr) 20rem;align-items:center}.calculator-layout{grid-template-columns:minmax(0,1fr) 18rem;gap:2rem}.calculator-widget{grid-template-columns:minmax(0,1.1fr) minmax(18rem,.9fr);align-items:start}}.calculator-actions{display:flex;flex-wrap:wrap;gap:.6rem;margin-top:1.25rem}.calc-button{display:inline-flex;min-height:2.6rem;align-items:center;justify-content:center;border:1px solid var(--color-border);border-radius:999px;padding:.55rem 1rem;background:var(--color-surface);color:var(--color-primary-dark);font:inherit;font-weight:850;cursor:pointer;transition:background .16s ease,border-color .16s ease,transform .12s ease}.calc-button:hover{background:var(--color-surface-strong);border-color:#0478574d}.calc-button:active{transform:translateY(1px)}.calculator-schedule{margin-top:1.25rem;border-top:1px solid rgba(255,255,255,.16);padding-top:1rem}.calculator-schedule summary{cursor:pointer;color:#fff;font-weight:850}.schedule-note{margin:.5rem 0 0;color:#cbd5e1;font-size:.9rem}.schedule-scroll{margin-top:.85rem;overflow-x:auto}.calculator-schedule table{width:100%;border-collapse:collapse;font-size:.85rem}.calculator-schedule th,.calculator-schedule td{padding:.5rem .65rem;text-align:right;white-space:nowrap;border-bottom:1px solid rgba(255,255,255,.12)}.calculator-schedule th:first-child,.calculator-schedule td:first-child{text-align:left}.calculator-schedule th{color:#bbf7d0;font-weight:850}.calculator-schedule td{color:#e5eef8}a:focus-visible,.button:focus-visible,.calc-button:focus-visible,summary:focus-visible{outline:3px solid rgba(16,185,129,.55);outline-offset:2px;border-radius:6px}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.button,.content-card,.tool-card,.calc-button{transition:none}.button:hover,.content-card:hover,.tool-card:hover{transform:none}}.rates-grid{display:grid;gap:1rem;margin-top:1.5rem}.rate-card{border:1px solid var(--color-border);border-radius:var(--radius-md);background:var(--color-card);padding:1.25rem;box-shadow:0 1px #0f172a08}.rate-value{display:block;font-size:2.4rem;font-weight:950;line-height:1;letter-spacing:-.03em;color:var(--color-primary-dark)}.rate-card h2{margin-top:.5rem;font-size:1.05rem}.rate-card p{margin:.4rem 0 0;color:var(--color-muted);font-size:.95rem}.cv-builder-layout{display:grid;gap:1.5rem;margin-top:1.5rem;align-items:start}.cv-form{display:grid;gap:1.25rem}.cv-fieldset{border:1px solid var(--color-border);border-radius:var(--radius-md);background:#fff;padding:1.1rem 1.15rem;box-shadow:0 1px #0f172a08}.cv-fieldset>h2{margin-bottom:.4rem;font-size:1.1rem}.cv-fieldset-head{display:flex;align-items:center;justify-content:space-between;gap:1rem;margin-bottom:.5rem}.cv-field{display:grid;gap:.3rem;margin-top:.7rem;color:var(--color-navy);font-size:.92rem}.cv-field span{font-weight:800}.cv-field input,.cv-field textarea{width:100%;border:1px solid var(--color-border);border-radius:var(--radius-sm);padding:.6rem .7rem;background:#fff;color:var(--color-navy);font:inherit;font-weight:600}.cv-field textarea{resize:vertical}.cv-field input:focus,.cv-field textarea:focus{outline:3px solid rgba(16,185,129,.22);outline-offset:-2px}.cv-field-row{display:grid;gap:.7rem}.cv-entry{margin-top:.8rem;border:1px dashed var(--color-border);border-radius:var(--radius-sm);padding:.8rem;background:var(--color-surface)}.cv-remove{margin-top:.7rem;border:0;padding:0;background:none;color:#b91c1c;font:inherit;font-weight:800;cursor:pointer}.cv-remove:hover{text-decoration:underline}.cv-preview{display:grid;gap:.8rem;align-content:start}.cv-builder-actions{display:flex;flex-wrap:wrap;gap:.6rem;align-items:center}.cv-template-select{display:inline-flex;align-items:center;gap:.4rem;color:var(--color-navy);font-size:.9rem;font-weight:800}.cv-template-select select{border:1px solid var(--color-border);border-radius:999px;padding:.5rem .7rem;background:#fff;font:inherit;font-weight:750}.cv-hint{margin:0;color:var(--color-muted);font-size:.85rem}.cv-sheet{border:1px solid var(--color-border);border-radius:var(--radius-sm);background:#fff;padding:2rem;color:#1f2937;font-size:.9rem;line-height:1.5;box-shadow:var(--shadow-soft)}.cv-sheet-name{margin:0;font-size:1.8rem;letter-spacing:-.02em;color:#0f172a}.cv-role{margin:.15rem 0 0;color:var(--color-primary-dark);font-weight:800}.cv-contact{margin:.35rem 0 0;color:#475569;font-size:.82rem}.cv-section{margin-top:1.25rem}.cv-section>h3{margin-bottom:.5rem;border-bottom:2px solid var(--color-primary-soft);padding-bottom:.25rem;color:var(--color-primary-dark);font-size:.95rem;letter-spacing:.08em;text-transform:uppercase}.cv-section p{margin:0;color:#374151}.cv-item{margin-top:.7rem}.cv-item-head{display:flex;align-items:baseline;justify-content:space-between;gap:1rem}.cv-item-head strong{color:#0f172a}.cv-item-head span{color:#475569;font-size:.82rem;white-space:nowrap}.cv-item-sub{margin:.1rem 0 0;color:#475569;font-size:.85rem}.cv-item ul{margin:.35rem 0 0;padding-left:1.1rem}.cv-item li{margin:.15rem 0;color:#374151}.cv-skills{display:flex;flex-wrap:wrap;gap:.4rem;margin:.25rem 0 0;padding:0;list-style:none}.cv-skills li{border-radius:999px;padding:.25rem .6rem;background:var(--color-surface-strong);color:var(--color-primary-dark);font-size:.8rem;font-weight:700}.cv-sheet.classic{font-family:Georgia,Times New Roman,serif}.cv-sheet.classic .cv-sheet-head{border-bottom:2px solid #0f172a;padding-bottom:.6rem;text-align:center}.cv-sheet.classic .cv-role{color:#0f172a}.cv-sheet.classic .cv-section>h3{border-bottom-color:#cbd5e1;color:#0f172a;font-size:1.05rem;font-variant:small-caps;letter-spacing:0;text-transform:none}.cv-sheet.classic .cv-skills li{border:1px solid #cbd5e1;background:none;color:#0f172a}@media(min-width:520px){.cv-field-row{grid-template-columns:1fr 1fr}}@media(min-width:720px){.rates-grid{grid-template-columns:repeat(3,minmax(0,1fr))}}@media(min-width:980px){.cv-builder-layout{grid-template-columns:minmax(0,1fr) minmax(0,1fr)}}.glossary-az{display:flex;flex-wrap:wrap;gap:.4rem;margin-top:1.25rem}.glossary-az a{display:inline-flex;min-width:2rem;justify-content:center;border:1px solid var(--color-border);border-radius:8px;padding:.3rem .5rem;background:#fff;color:var(--color-primary-dark);font-size:.9rem;font-weight:850;text-decoration:none}.glossary-az a:hover{background:var(--color-surface-strong)}.glossary-group{margin-top:2rem}.glossary-letter{border-bottom:2px solid var(--color-primary-soft);padding-bottom:.25rem;color:var(--color-primary-dark);font-size:1.6rem;scroll-margin-top:5rem}.glossary-term{border-bottom:1px solid var(--color-border);padding:1rem 0;scroll-margin-top:5rem}.glossary-term dt{color:var(--color-navy);font-size:1.05rem;font-weight:900}.glossary-term dd{margin:.35rem 0 0;color:var(--color-muted)}.glossary-links{display:flex;flex-wrap:wrap;gap:.4rem 1rem;margin-top:.5rem}.glossary-links a{font-size:.85rem;font-weight:800;text-decoration:none}.glossary-links a:before{content:"→ "}.debt-comparator{display:grid;gap:1.25rem}.debt-summary .small{margin:0}.debt-metrics{display:grid;grid-template-columns:1fr 1fr;gap:1rem;margin:.5rem 0 1rem}.debt-metrics dt{color:var(--color-muted);font-size:.85rem;font-weight:800}.debt-metrics dd{margin:.2rem 0 0;color:var(--color-navy);font-size:1.5rem;font-weight:900}.debt-verdict{border-color:#0478574d;background:var(--color-surface)}.cv-ai-row{display:flex;flex-wrap:wrap;align-items:center;gap:.6rem 1rem;margin-top:.7rem}.cv-ai-badge{display:inline-flex;align-items:center;gap:.4rem;margin:1rem 0 0;border:1px solid rgba(4,120,87,.25);border-radius:999px;padding:.45rem .95rem;background:var(--color-primary-soft);color:var(--color-primary-dark);font-size:.9rem;font-weight:800}.cv-ai-error{color:#b91c1c;font-size:.85rem;font-weight:700}.loan-best{color:var(--color-primary-dark);font-size:.82rem;font-weight:800}.afford-verdict h3{font-size:1.2rem}.afford-good{border-color:#04785759;background:var(--color-surface)}.afford-warn{border-color:#fde68a;background:#fffbeb}.afford-bad{border-color:#fecaca;background:#fef2f2}.icon-chip{display:inline-grid;place-items:center;width:2.5rem;height:2.5rem;flex:none;border-radius:12px;background:var(--mint-tint);color:var(--color-primary);border:1px solid rgba(4,120,87,.14)}.icon-chip svg{width:1.4rem;height:1.4rem}.card-head{display:flex;align-items:center;gap:.7rem}.card-head h3{margin:0}.reveal{opacity:0;transform:translateY(14px);transition:opacity .48s ease,transform .48s cubic-bezier(.22,1,.36,1);transition-delay:calc(var(--i, 0) * 55ms);will-change:opacity,transform}.reveal.in-view{opacity:1;transform:none}.content-card,.tool-card,.category-card{transition:border-color .18s ease,box-shadow .2s ease,transform .2s ease}.content-card:hover,.tool-card:hover{border-color:var(--emerald-300);box-shadow:var(--shadow-lift);transform:translateY(-3px)}.button:active,.calc-button:active,.card-link:active{transform:scale(.985)}@media(prefers-reduced-motion:reduce){.reveal{opacity:1!important;transform:none!important;transition:none!important}}.ai-cta{display:inline-flex;align-items:center;gap:.4rem}.ai-cta svg{color:var(--gold-shimmer)}.hero-donut-row{display:flex;align-items:center;gap:1rem;margin-top:1rem}.hero-donut{width:5rem;height:5rem;flex:none}.hero-figure{display:block;margin:.15rem 0;color:var(--color-navy);font-size:2rem;line-height:1}.donut-legend{display:flex;gap:1rem;margin-top:.8rem;color:var(--color-muted);font-size:.8rem;font-weight:750}.donut-legend span{display:inline-flex;align-items:center;gap:.4rem}.donut-legend i{display:inline-block;width:.7rem;height:.7rem;border-radius:3px}.rate-ticker{overflow:hidden;border-block:1px solid var(--line);background:var(--surface)}.rate-ticker-track{display:inline-flex;gap:2.5rem;padding:.6rem 0;white-space:nowrap;animation:ticker 40s linear infinite}.rate-ticker:hover .rate-ticker-track,.rate-ticker:focus-within .rate-ticker-track{animation-play-state:paused}.rate-ticker-item{display:inline-flex;align-items:center;gap:.45rem;color:var(--color-muted);font-size:.86rem;font-weight:700}.rate-ticker-item strong{color:var(--color-primary-dark)}.rate-ticker-item:before{content:"";width:.4rem;height:.4rem;border-radius:999px;background:var(--emerald-500)}@keyframes ticker{0%{transform:translate(0)}to{transform:translate(-50%)}}.stat-band{padding:1.6rem 0;background:radial-gradient(circle at 0% 0%,rgba(14,159,110,.18),transparent 22rem),linear-gradient(135deg,var(--ink-900),var(--ink-800));color:var(--text-on-dark)}.stat-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1rem}.stat{display:grid;gap:.2rem}.stat-num{color:#fff;font-size:clamp(1.8rem,6vw,2.6rem);font-weight:700;line-height:1}.stat-label{color:var(--text-on-dark-muted);font-size:.78rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase}.ai-spotlight{padding:clamp(2.5rem,6vw,3.75rem) 0;border-block:1px solid var(--ink-700);background:radial-gradient(circle at 85% 10%,rgba(124,111,240,.2),transparent 20rem),radial-gradient(circle at 5% 90%,rgba(14,159,110,.16),transparent 22rem),linear-gradient(135deg,var(--ink-900),var(--ink-800));color:var(--text-on-dark)}.ai-spotlight-grid{display:grid;gap:1.5rem}.ai-spotlight-main h2{max-width:18ch;color:#fff}.ai-spotlight-main p{margin:.8rem 0 0;max-width:46ch;color:var(--text-on-dark-muted)}.ai-badge{display:inline-flex;align-items:center;gap:.4rem;border:1px solid rgba(224,161,6,.4);border-radius:999px;padding:.4rem .85rem;background:#e0a10624;background-image:linear-gradient(100deg,transparent 30%,rgba(224,161,6,.35) 50%,transparent 70%);background-size:220% 100%;color:#fcd34d;font-size:.82rem;font-weight:800;animation:shimmer 2.6s ease-in-out 3}@keyframes shimmer{0%{background-position:120% 0}to{background-position:-120% 0}}.ai-spotlight-main .button{margin-top:1.4rem}.ai-before-after{display:flex;flex-wrap:wrap;align-items:center;gap:.7rem;margin-top:1.25rem;font-size:.92rem}.ai-before{color:var(--text-on-dark-muted);text-decoration:line-through;text-decoration-color:var(--rose-500)}.ai-after{border-left:3px solid var(--emerald-500);padding-left:.6rem;color:#fff;font-weight:700}.ai-arrow{flex:none;color:var(--emerald-300)}.ai-mini-tools{display:grid;gap:.8rem}.ai-mini-tool{display:flex;align-items:center;gap:.85rem;border:1px solid var(--ink-700);border-radius:var(--radius-md);padding:.9rem 1rem;background:#ffffff08;text-decoration:none;transition:background .16s ease,border-color .16s ease,transform .16s ease}.ai-mini-tool:hover{border-color:var(--emerald-500);background:#ffffff0f;transform:translateY(-2px)}.ai-mini-tool .icon-chip{border-color:#0e9f6e4d;background:#0e9f6e29;color:var(--emerald-300)}.ai-mini-tool strong{display:block;color:#fff;font-size:.98rem}.ai-mini-tool span{color:var(--text-on-dark-muted);font-size:.85rem}.category-card .card-head{width:100%}.category-card .count-badge{margin-left:auto;display:inline-grid;place-items:center;min-width:1.6rem;height:1.6rem;padding:0 .4rem;border-radius:999px;background:var(--mint-tint);color:var(--color-primary-dark);font-family:var(--font-num);font-size:.85rem;font-weight:700}.honest-card{max-width:60rem;margin-inline:auto}.honest-card p{margin-top:.6rem}@media(min-width:720px){.stat-grid{grid-template-columns:repeat(4,1fr)}.ai-spotlight-grid{grid-template-columns:1.4fr 1fr;align-items:center}}@media(prefers-reduced-motion:reduce){.rate-ticker-track{animation:none}.ai-badge{animation:none;background-image:none}}.calculator-form .form-title{font-size:1.15rem}.field-label{color:var(--color-navy);font-size:.92rem;font-weight:800}.slider{-webkit-appearance:none;appearance:none;width:100%;height:8px;margin-top:.55rem;border-radius:999px;background:linear-gradient(90deg,var(--emerald-500) var(--val, 0%),var(--surface-grid) var(--val, 0%));cursor:pointer}.slider::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:22px;height:22px;border:3px solid var(--emerald-500);border-radius:999px;background:#fff;box-shadow:0 2px 6px #0a16282e;transition:transform .12s ease,box-shadow .12s ease}.slider::-moz-range-thumb{width:22px;height:22px;border:3px solid var(--emerald-500);border-radius:999px;background:#fff;box-shadow:0 2px 6px #0a16282e}.slider:active::-webkit-slider-thumb{transform:scale(1.15);box-shadow:0 0 0 6px #0e9f6e2e}.slider:focus-visible{outline:3px solid rgba(14,159,110,.55);outline-offset:4px}.slider:focus-visible::-webkit-slider-thumb{box-shadow:0 0 0 6px #0e9f6e4d}.slider:focus-visible::-moz-range-thumb{box-shadow:0 0 0 6px #0e9f6e4d}.calculator-results{position:relative}.calculator-results:before{content:"";position:absolute;inset:0 0 auto;height:1px;border-radius:var(--radius-md) var(--radius-md) 0 0;background:var(--glass-stroke)}.result-top{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:1.25rem}.result-primary{min-width:0}.result-primary .metric-label{display:block;color:#bbf7d0;font-size:.86rem;font-weight:800}.result-value{display:block;margin-top:.2rem;border-radius:8px;color:#fff;font-size:clamp(1.9rem,7vw,2.7rem);font-weight:700;line-height:1.05}.result-note{margin:.55rem 0 0;color:var(--text-on-dark-muted);font-size:.9rem}.flash-up{animation:flashUp .38s ease}.flash-down{animation:flashDown .38s ease}@keyframes flashUp{0%{color:var(--emerald-300)}to{color:#fff}}@keyframes flashDown{0%{color:#fda4af}to{color:#fff}}.result-donut{display:flex;flex:none;align-items:center;gap:1rem}.donut-svg{width:6.5rem;height:6.5rem;flex:none}.donut-seg{transition:stroke-dasharray .72s cubic-bezier(.22,1,.36,1)}.donut-legend-list{display:grid;gap:.5rem;margin:0;padding:0;list-style:none}.donut-legend-list li{display:flex;align-items:center;gap:.5rem;color:var(--text-on-dark-muted);font-size:.82rem;font-weight:700}.donut-legend-list i{flex:none;width:.7rem;height:.7rem;border-radius:3px}.donut-legend-list strong{margin-left:auto;padding-left:.6rem;color:#fff}.metric-tiles{display:grid;grid-template-columns:repeat(auto-fit,minmax(8rem,1fr));gap:.7rem;margin-top:1.25rem}.metric-tile{border:1px solid var(--ink-700);border-radius:var(--radius-sm);background:#ffffff08;padding:.8rem .9rem}.metric-tile .metric-label{color:var(--text-on-dark-muted);font-size:.74rem;font-weight:800;letter-spacing:.06em;text-transform:uppercase}.metric-tile-value{display:block;margin-top:.3rem;color:#fff;font-size:1.3rem;font-weight:700;line-height:1.1}.calc-button{display:inline-flex;align-items:center;gap:.45rem}.calc-button svg{opacity:.85}.calc-toast{margin-top:1rem;border:1px solid rgba(110,231,183,.4);border-radius:var(--radius-sm);padding:.6rem .85rem;background:#0e9f6e29;color:var(--emerald-300);font-size:.88rem;font-weight:700}@media(prefers-reduced-motion:reduce){.donut-seg{transition:none}.flash-up,.flash-down{animation:none}}.footer-cols{display:grid;grid-template-columns:1fr;gap:2rem 1.5rem}.site-footer .footer-brand-link{margin-bottom:.6rem;color:#fff}.footer-brand .small{max-width:26rem;color:var(--text-on-dark-muted)}.footer-col{display:grid;align-content:start;gap:.55rem}.footer-col h3{margin-bottom:.2rem;color:#fff;font-size:.78rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase}.site-footer .footer-col a{color:var(--text-on-dark-muted);font-size:.92rem;text-decoration:none}.site-footer .footer-col a:hover{color:var(--emerald-300)}@media(min-width:560px){.footer-cols{grid-template-columns:repeat(2,1fr)}.footer-brand{grid-column:1 / -1}}@media(min-width:920px){.footer-cols{grid-template-columns:1.8fr repeat(4,1fr)}.footer-brand{grid-column:auto}}.calculator-sidebar .content-card h2{font-size:1.1rem}@media(min-width:720px){.calculator-sidebar{position:sticky;top:5.5rem;align-self:start}}.area-chart{margin-top:1.25rem;border-top:1px solid rgba(255,255,255,.12);padding-top:1rem}.chart-caption{display:block;margin-bottom:.5rem;color:var(--text-on-dark-muted);font-size:.8rem;font-weight:800;letter-spacing:.04em;text-transform:uppercase}.area-svg{display:block;width:100%;height:auto}.area-line{stroke-dasharray:1;stroke-dashoffset:1;transition:stroke-dashoffset .95s ease}.area-line.in{stroke-dashoffset:0}.area-fill{opacity:0;transition:opacity .7s ease .25s}.area-fill.in{opacity:1}@media(prefers-reduced-motion:reduce){.area-line{stroke-dasharray:none;stroke-dashoffset:0;transition:none}.area-fill{opacity:1;transition:none}}@media(max-width:719px){.hero,.calculator-hero{padding:2.25rem 0 1.75rem}.calculator-form,.calculator-results,.content-section{padding:1.05rem}.result-top{gap:.9rem}.result-donut{width:100%}.result-value{font-size:clamp(1.7rem,9vw,2.3rem)}.stat-num{font-size:clamp(1.55rem,9vw,2.2rem)}.stat-label{font-size:.7rem}.ai-before-after{font-size:.85rem}.site-nav{gap:.3rem}.site-nav a{padding:.3rem .6rem;font-size:.9rem}.metric-tiles{grid-template-columns:1fr 1fr}}@media(max-width:400px){.metric-tiles{grid-template-columns:1fr}}.rate-table{width:100%;margin-top:1rem;border-collapse:collapse;font-size:.92rem}.rate-table th,.rate-table td{padding:.6rem .7rem;border-bottom:1px solid var(--line);text-align:right;white-space:nowrap}.rate-table thead th{border-bottom:2px solid var(--color-border);color:var(--color-muted);font-size:.76rem;font-weight:800;letter-spacing:.04em;text-transform:uppercase}.rate-table th:first-child,.rate-table td:first-child,.rate-table tbody th{text-align:left}.rate-table tbody th{color:var(--color-navy);font-weight:800}.rate-table tbody tr:hover{background:var(--color-surface)}.rate-table td.num,.rate-table th.num{font-family:var(--font-num);font-variant-numeric:tabular-nums;color:var(--color-navy)}.ratio-pill{display:inline-block;border-radius:999px;padding:.2rem .6rem;font-size:.78rem;font-weight:800;white-space:nowrap}.ratio-pill.afford-good{background:var(--mint-tint);color:var(--color-primary-dark)}.ratio-pill.afford-warn{background:#fffbeb;color:#92400e}.ratio-pill.afford-bad{background:#fef2f2;color:#b91c1c}.afford-top{display:flex;flex-wrap:wrap;align-items:center;gap:1.25rem;margin:.6rem 0}.afford-donut{position:relative;display:grid;flex:none;place-items:center}.afford-donut .donut-svg{width:7rem;height:7rem}.afford-donut-cap{position:absolute;color:var(--color-muted);font-size:.68rem;font-weight:800;letter-spacing:.05em;text-transform:uppercase}.afford-figures{flex:1;min-width:12rem}.afford-legend{display:grid;gap:.35rem;margin:.75rem 0 0;padding:0;list-style:none}.afford-legend li{display:flex;align-items:center;gap:.5rem;color:var(--color-muted);font-size:.85rem;font-weight:700}.afford-legend i{flex:none;width:.7rem;height:.7rem;border-radius:3px}.afford-legend strong{margin-left:auto;color:var(--color-navy)}.compare-bars h3{margin-bottom:.2rem}.compare-bar-list{display:grid;gap:.9rem;margin-top:1rem}.compare-row{display:grid;gap:.4rem}.compare-row-head{display:flex;align-items:baseline;justify-content:space-between;gap:.75rem;color:var(--color-navy);font-size:.92rem;font-weight:800}.compare-track{overflow:hidden;height:.85rem;border-radius:999px;background:var(--surface-grid)}.compare-track span{display:block;height:100%;border-radius:inherit;background:var(--amber-500);transition:width .6s cubic-bezier(.22,1,.36,1)}.compare-track span.best{background:linear-gradient(90deg,var(--color-primary),var(--emerald-500))}@media(prefers-reduced-motion:reduce){.compare-track span{transition:none}}@media(min-width:620px){.debt-three{grid-template-columns:1fr 1fr 1fr}}@media print{body.cv-printing *{visibility:hidden!important}body.cv-printing .cv-print-area,body.cv-printing .cv-print-area *{visibility:visible!important}body.cv-printing .cv-print-area{position:absolute;left:0;top:0;width:100%}body.cv-printing .cv-sheet{border:none!important;box-shadow:none!important;padding:0!important}}@media print{.site-header,.site-footer,.calculator-sidebar,.breadcrumbs,.no-print,ins.adsbygoogle{display:none!important}body{background:#fff!important}main,.calculator-layout{display:block!important}.calculator-results{background:#fff!important;color:#0f172a!important;border:1px solid #cbd5e1!important;box-shadow:none!important}.calculator-results h2,.calculator-results dd,.calculator-chart h3,.chart-row-heading,.chart-row-heading strong,.calculator-schedule summary,.calculator-schedule td{color:#0f172a!important}.calculator-results dt,.calculator-schedule th{color:#334155!important}.calculator-chart p,.schedule-note{color:#475569!important}.chart-track{background:#e2e8f0!important}.calculator-schedule{border-top-color:#cbd5e1!important}.calculator-schedule th,.calculator-schedule td{border-bottom-color:#e2e8f0!important}}
