:root{--ink:#15181d;--ink-2:#2a2f37;--gold:#d9a520;--gold-deep:#8a6408;--crimson:#b0203a;--crimson-deep:#8c1a2e;--bay:#23495a;--bay-soft:#e3ecef;--marble:#f7f4ee;--paper:#fffdf9;--line:#ddd5c6;--muted:#5a5f66;--radius:6px;--serif:"Palatino Linotype",Palatino,"Book Antiqua","URW Palladio L",P052,Georgia,serif;--sans:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;--narrow:"Arial Narrow","Roboto Condensed","Helvetica Neue Condensed","Segoe UI",Arial,sans-serif}*,:after,:before{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{margin:0;font-family:var(--sans);font-size:1.0625rem;line-height:1.6;color:var(--ink);background:var(--paper)}img,svg{max-width:100%}a{color:var(--bay);text-underline-offset:2px}a:hover{color:var(--crimson)}h1,h2,h3{font-family:var(--serif);line-height:1.2;color:var(--ink);margin:0 0 .6em}h1{font-size:clamp(1.75rem,4.2vw,2.85rem);letter-spacing:-.01em}h2{font-size:clamp(1.35rem,2.6vw,1.85rem);margin-top:.2em}h3{font-size:1.15rem}p{margin:0 0 1em}.wrap{width:100%;max-width:1160px;margin:0 auto;padding:0 20px}.narrow{max-width:820px}.skip{position:absolute;left:-9999px}.skip:focus{left:12px;top:12px;z-index:100;background:var(--gold);color:var(--ink);padding:8px 12px}.checker{height:8px;background:repeating-conic-gradient(var(--ink) 0 25%,var(--gold) 0 50%) 0 0 /16px 16px}.site-header{background:var(--marble);position:relative;z-index:10}.header-row{display:flex;align-items:center;gap:20px;min-height:64px}.brand-link{text-decoration:none;color:var(--ink);flex-shrink:0}.wordmark{display:inline-flex;align-items:center;gap:10px}.wordmark-text{display:flex;flex-direction:column;line-height:1.05}.wordmark-name{font-family:var(--serif);font-weight:700;font-size:1.22rem;color:var(--ink)}.wordmark-state{color:var(--crimson)}.wordmark-sub{font-family:var(--narrow);font-size:.7rem;letter-spacing:.16em;text-transform:uppercase;color:var(--bay);margin-top:3px}.nav-desktop{display:flex;gap:18px;margin-left:auto}.nav-desktop a{font-family:var(--narrow);text-transform:uppercase;letter-spacing:.08em;font-size:.86rem;color:var(--ink);text-decoration:none;padding:6px 0;border-bottom:2px solid transparent}.nav-desktop a:hover{border-bottom-color:var(--crimson)}.header-actions{display:flex;align-items:center;gap:10px}.nav-mobile{display:none;position:relative}.nav-mobile summary{list-style:none;cursor:pointer;font-family:var(--narrow);text-transform:uppercase;letter-spacing:.08em;font-size:.85rem;border:1px solid var(--ink);padding:6px 10px;border-radius:var(--radius)}.nav-mobile summary::-webkit-details-marker{display:none}.nav-mobile nav{position:absolute;right:0;top:calc(100% + 8px);background:var(--paper);border:1px solid var(--line);box-shadow:0 10px 30px rgba(0,0,0,.12);display:flex;flex-direction:column;min-width:200px;border-radius:var(--radius)}.nav-mobile nav a{padding:12px 16px;text-decoration:none;color:var(--ink);border-bottom:1px solid var(--line)}.btn{display:inline-block;font-family:var(--narrow);font-weight:700;text-transform:uppercase;letter-spacing:.08em;font-size:.95rem;text-decoration:none;padding:13px 22px;border-radius:var(--radius);border:2px solid var(--ink);cursor:pointer;text-align:center}.btn-gold{background:var(--gold);color:var(--ink)}.btn-gold:hover{background:var(--ink);color:var(--gold)}.btn-gold:disabled{background:#cfc8b8;color:#575a5f;border-color:#a8a294;cursor:not-allowed}.btn-sm{padding:7px 14px;font-size:.82rem}.btn-block{display:block;width:100%}.hero{background:linear-gradient(180deg,var(--marble) 0,#efe9dc 100%);position:relative;overflow:hidden}.hero-grid{display:grid;grid-template-columns:1.1fr 1fr;gap:40px;padding-top:36px;padding-bottom:24px;align-items:start}.eyebrow{font-family:var(--narrow);text-transform:uppercase;letter-spacing:.16em;font-size:.8rem;color:var(--crimson-deep);font-weight:700;margin-bottom:.6em}.hero-tldr{font-size:1.05rem;color:var(--ink-2)}.trust-row{font-family:var(--narrow);letter-spacing:.06em;font-size:.85rem;color:var(--bay);border-top:1px solid var(--line);padding-top:12px}.rowhouse-band{display:block;width:100%;height:90px}.form-done,.lead-form{background:var(--paper);border:2px solid var(--ink);border-radius:var(--radius);padding:20px;box-shadow:6px 6px 0 var(--gold)}.form-title{font-family:var(--serif);font-weight:700;font-size:1.3rem;margin:0 0 4px}.form-note{font-size:.88rem;color:var(--muted);margin-bottom:12px}.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:10px 12px}.span-2{grid-column:1/-1}.calc-inputs label,.lead-form label{display:flex;flex-direction:column;gap:4px;font-size:.85rem;font-weight:600;color:var(--ink-2)}.calc-inputs input,.calc-inputs select,.lead-form input,.lead-form select,.lead-form textarea{font:inherit;font-size:1rem;font-weight:400;padding:9px 10px;border:1px solid #9c9688;border-radius:4px;background:#fff;color:var(--ink);width:100%}.calc-inputs input:focus,.calc-inputs select:focus,.lead-form input:focus,.lead-form select:focus,.lead-form textarea:focus{outline:3px solid rgba(217,165,32,.55);outline-offset:0;border-color:var(--ink)}.lead-form>label{margin-top:10px}.family-q{border:1px solid var(--line);border-radius:4px;margin:12px 0 0;padding:8px 12px 10px;display:flex;flex-wrap:wrap;gap:6px 18px;align-items:center}.family-q legend{font-size:.85rem;font-weight:600;padding:0 4px}.lead-form label.inline{flex-direction:row;align-items:center;gap:6px;font-weight:400;font-size:.95rem}.lead-form label.inline input{width:auto}.calc-inputs label.check,.lead-form label.check{flex-direction:row;align-items:flex-start;gap:8px;font-weight:400;font-size:.8rem;line-height:1.4;margin-top:10px}.calc-inputs label.check input,.lead-form label.check input{width:18px;height:18px;flex-shrink:0;margin-top:1px}.lead-form .btn{margin-top:14px}.decline{background:#fbeaec;border-left:4px solid var(--crimson);padding:10px 12px;font-size:.9rem;margin:12px 0 0}.form-error{color:var(--crimson-deep);font-size:.9rem;margin-top:8px}.form-fine{font-size:.75rem;color:var(--muted);margin:10px 0 0}.hp{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}.section{padding:56px 0}.section.alt{background:var(--marble);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.lede{font-size:1.1rem;color:var(--ink-2)}.fine{font-size:.85rem;color:var(--muted)}.cards-2,.cards-3,.cards-4{display:grid;gap:18px}.cards-4{grid-template-columns:repeat(4,1fr)}.cards-3{grid-template-columns:repeat(3,1fr)}.cards-2{grid-template-columns:repeat(2,1fr)}.card{background:var(--paper);border:1px solid var(--line);border-top:4px solid var(--crimson);border-radius:var(--radius);padding:18px}.card p{margin:0;font-size:.97rem;color:var(--ink-2)}.card-link{text-decoration:none;color:inherit;display:block;transition:transform .15s ease,box-shadow .15s ease}.card-link:hover{transform:translateY(-2px);box-shadow:4px 4px 0 var(--gold);color:inherit}.card-eyebrow{font-family:var(--narrow);font-size:.75rem;letter-spacing:.14em;text-transform:uppercase;color:var(--bay)}.steps{list-style:none;padding:0;margin:0 0 28px;display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.steps li{border-left:3px solid var(--gold);padding-left:14px}.step-n{font-family:var(--serif);font-size:2rem;font-weight:700;color:var(--crimson);line-height:1}.steps h3{margin-top:6px}.ledger{background:var(--ink);color:var(--marble);border-radius:var(--radius);padding:20px 24px;max-width:560px;font-variant-numeric:tabular-nums}.ledger-title{font-family:var(--narrow);text-transform:uppercase;letter-spacing:.12em;font-size:.78rem;color:var(--gold)}.calc-lines,.ledger dl{margin:0}.calc-lines div,.ledger dl div{display:flex;justify-content:space-between;gap:16px;padding:7px 0;border-bottom:1px dashed rgba(247,244,238,.25)}.calc-lines dd,.ledger dd{margin:0;font-family:ui-monospace,Cascadia Mono,Consolas,monospace}.ledger-total dd{color:var(--gold);font-size:1.4rem;font-weight:700}.market-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:12px}.market-tile{display:flex;flex-direction:column;gap:4px;padding:14px 16px;border:1px solid var(--line);border-left:5px solid var(--bay);border-radius:var(--radius);text-decoration:none;background:var(--paper);color:var(--ink)}.market-tile:hover{border-left-color:var(--crimson);color:var(--ink)}.market-name{font-family:var(--serif);font-weight:700;font-size:1.08rem}.market-short{font-size:.9rem;color:var(--muted)}.rule-list li{margin-bottom:10px}.faq-teaser details{border-bottom:1px solid var(--line);padding:12px 0}.faq-teaser summary{cursor:pointer;font-family:var(--serif);font-weight:700;font-size:1.06rem}.faq-teaser details p{margin:10px 0 0}.table-wrap{overflow-x:auto;margin:0 0 1.2em}table{border-collapse:collapse;width:100%;font-size:.95rem;background:var(--paper)}td,th{text-align:left;vertical-align:top;padding:10px 12px;border:1px solid var(--line)}thead th{background:var(--ink);color:var(--marble);font-family:var(--narrow);letter-spacing:.05em;text-transform:uppercase;font-size:.82rem}tbody th{background:var(--marble);font-weight:600}.cta-band{background:var(--bay);color:#fff;padding:40px 0}.cta-inner{display:flex;align-items:center;justify-content:space-between;gap:24px}.cta-band h2{color:#fff}.cta-band p{margin:0;max-width:680px;color:#e6eef1}.page-head{background:var(--marble);border-bottom:1px solid var(--line);padding:22px 0 30px}.crumbs ol{list-style:none;padding:0;margin:0 0 14px;display:flex;flex-wrap:wrap;gap:4px;font-size:.85rem;color:var(--muted)}.crumbs li+li:before{content:"/";margin-right:4px;color:var(--gold-deep)}.tldr{background:var(--paper);border:1px solid var(--line);border-left:5px solid var(--gold);border-radius:var(--radius);padding:14px 18px;max-width:880px}.tldr p{margin:0}.tldr-label{display:inline-block;font-family:var(--narrow);text-transform:uppercase;letter-spacing:.14em;font-size:.75rem;font-weight:700;color:var(--crimson-deep);margin-bottom:4px}.article-grid{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:44px;padding-top:36px;padding-bottom:48px}.article-body{max-width:760px}.prose-section{margin-bottom:30px}.prose-section ul{padding-left:1.2em}.prose-section li{margin-bottom:8px}.sub{margin-top:14px}.faq-item{border-top:1px solid var(--line);padding-top:12px}.related{background:var(--marble);border:1px solid var(--line);border-top:4px solid var(--bay);border-radius:var(--radius);padding:16px 18px;margin-bottom:18px}.related h2{font-size:1.1rem}.related ul{list-style:none;padding:0;margin:0}.related li{padding:6px 0;border-bottom:1px solid var(--line)}.related li span{display:block;font-size:.85rem;color:var(--muted)}.article-side{align-self:start;position:sticky;top:16px}.side-cta{background:var(--ink);color:var(--marble);border-radius:var(--radius);padding:16px 18px}.side-cta p{font-size:.95rem}.benchmark{margin:0 0 28px;border:1px dashed var(--bay);border-radius:var(--radius);padding:14px 18px;background:var(--bay-soft)}.benchmark figcaption{font-size:.82rem;color:var(--ink-2);margin-bottom:8px}.benchmark dl{display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));gap:10px;margin:0}.benchmark dt{font-size:.8rem;color:var(--muted)}.benchmark dd{margin:0;font-family:var(--serif);font-weight:700;font-size:1.2rem}.guide-list{display:grid;gap:14px}.apply-grid{display:grid;grid-template-columns:1fr 1.05fr;gap:40px;align-items:start}.apply-grid h2{margin-top:22px}.calc{gap:28px;margin-top:30px}.calc,.calc-inputs{display:grid;grid-template-columns:1fr 1fr}.calc-inputs{gap:12px;background:var(--marble);border:1px solid var(--line);padding:20px;align-content:start}.calc-inputs,.calc-out{border-radius:var(--radius)}.calc-out{background:var(--ink);color:var(--marble);padding:22px;font-variant-numeric:tabular-nums}.calc-label{font-family:var(--narrow);text-transform:uppercase;letter-spacing:.12em;font-size:.78rem;color:var(--gold);margin:0 0 6px}.calc-lines{margin-bottom:18px}.calc-lines .total dd,.calc-lines .total dt,.calc-ratio{font-weight:700}.calc-ratio{font-family:var(--serif);font-size:3.4rem;line-height:1;margin:0 0 10px;color:var(--marble)}.calc-ratio.low{color:#ff8a9a}.calc-ratio.mid{color:#f3d27a}.calc-ratio.good,.calc-ratio.strong{color:#9fe0b4}.calc-read{font-size:.97rem}.calc-fine{font-size:.8rem;color:#c9c3b6;margin:0}.nf-links{display:flex;flex-wrap:wrap;gap:10px 20px;padding:0;list-style:none}.site-footer{background:var(--ink);color:#d9d4c9;font-size:.92rem}.site-footer a{color:#f1e3b8}.site-footer a:hover{color:var(--gold)}.footer-cta{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:30px 0;border-bottom:1px solid #343a43}.footer-cta p{margin:0;font-family:var(--serif);font-size:1.15rem;color:var(--marble)}.footer-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:28px;padding:30px 0}.footer-h{font-family:var(--narrow);text-transform:uppercase;letter-spacing:.14em;font-size:.82rem;color:var(--gold)}.footer-grid ul{list-style:none;padding:0;margin:0}.footer-grid li{padding:3px 0}.footer-contact{margin-top:14px;line-height:1.5}.footer-legal{display:flex;gap:16px;border-top:1px solid #343a43;padding:24px 0 36px;font-size:.84rem;line-height:1.55}.footer-legal svg{flex-shrink:0}.brand-line{font-weight:700}.site-footer .brand-line{color:var(--marble)}.chip{display:inline-block;border:1px solid;border-radius:999px;padding:2px 10px;font-family:var(--narrow);letter-spacing:.06em;font-size:.8rem;margin:0 6px 6px 0}.follow-up{color:var(--marble)}.license-lines p{margin-bottom:.6em}@media (max-width:980px){.nav-desktop{display:none}.nav-mobile{display:block}.header-actions{margin-left:auto}.apply-grid,.article-grid,.calc,.hero-grid{grid-template-columns:1fr}.article-side{position:static}.cards-3,.cards-4,.footer-grid,.steps{grid-template-columns:repeat(2,1fr)}}@media (max-width:640px){body{font-size:1rem}.wrap{padding:0 16px}.header-row{min-height:56px;gap:10px}.wordmark-name{font-size:.95rem}.wordmark{gap:8px}.header-actions{gap:6px}.header-actions .btn-sm,.nav-mobile summary{padding:6px 9px;font-size:.78rem}.wordmark-sub{display:none}.wordmark svg{width:32px;height:32px}.hero-grid{padding-top:18px;gap:16px}.hero h1{font-size:1.5rem;margin-bottom:.4em}.hero .eyebrow{margin-bottom:.3em}.hero-tldr{font-size:.92rem;line-height:1.5;margin-bottom:0}.hero .trust-row{display:none}.calc-inputs,.cards-2,.cards-3,.cards-4,.footer-grid,.grid-2,.steps{grid-template-columns:1fr}.lead-short .grid-2{grid-template-columns:1fr 1fr}.lead-short label{min-width:0}.lead-form{padding:16px;box-shadow:4px 4px 0 var(--gold)}.section{padding:40px 0}.cta-inner,.footer-cta{flex-direction:column;align-items:flex-start}.rowhouse-band{height:60px}}@media (prefers-reduced-motion:reduce){*{transition:none!important}}