:root{--paper:#f6f8fc;--surface:#fff;--ink:#101827;--muted:#596779;--line:#dce3ee;--accent:#165dff;--accent-hover:#1048cf;--accent-soft:#eaf0ff;--accent-ink:#fff;--console:#111e35;--console-muted:#afbdd3;--console-line:#32425b;--console-blue:#83acff;--note:#edf2f9;--footer:#edf1f7;--warning:#89551d;--warning-soft:#fff5e6;--font-sans:"Arial",Helvetica,sans-serif;--font-mono:"Consolas","Courier New",monospace;color-scheme:light}:root[data-theme=dark]{--paper:#0c1423;--surface:#131e30;--ink:#f1f5fc;--muted:#a7b5ca;--line:#2b3a50;--accent:#8ab1ff;--accent-hover:#b0cbff;--accent-soft:#1b3157;--accent-ink:#0b1c39;--console:#101f38;--console-muted:#b3c2d8;--console-line:#34445f;--console-blue:#9bf;--note:#1b2a40;--footer:#0a111e;--warning:#e4b777;--warning-soft:#30271c;color-scheme:dark}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:105px}body{background:var(--paper);color:var(--ink);font:17px/1.7 var(--font-sans);-webkit-font-smoothing:antialiased;margin:0}h1,h2,h3,h4,p{margin:0}h1,h2,h3{font-family:var(--font-sans);letter-spacing:-.045em;font-weight:700;line-height:1.1}h2{font-size:clamp(30px,3.2vw,42px)}h3{letter-spacing:-.025em;font-size:19px;line-height:1.4}p+p{margin-top:16px}a{color:inherit;text-underline-offset:4px}a:hover{color:var(--accent)}button,input{font:inherit;color:inherit}button{cursor:pointer}button,a,summary{touch-action:manipulation}button,a,input,summary{-webkit-tap-highlight-color:transparent}button:focus-visible,a:focus-visible,input:focus-visible,summary:focus-visible,[tabindex]:focus-visible{outline:3px solid var(--accent);outline-offset:5px}a,button{transition:background .16s,color .16s,border-color .16s,transform .16s}em{font-style:normal}svg{vertical-align:middle;flex-shrink:0}img,svg{max-width:100%}.container{width:min(1200px,100% - 96px);margin-inline:auto}.eyebrow{font:600 10px/1.6 var(--font-mono);letter-spacing:.1em;color:var(--muted);display:block}.mono{font:12px/1.5 var(--font-mono)}.section-index,.accent-text{color:var(--accent)}.nowrap{white-space:nowrap}.text-link{align-items:center;gap:15px;font-size:13px;font-weight:600;line-height:1.6;text-decoration:none;display:inline-flex}.text-link:hover svg{transform:translate(3px)}.text-link svg{transition:transform .16s}.button{border:1px solid #0000;border-radius:7px;justify-content:center;align-items:center;gap:18px;min-height:48px;padding:13px 20px;font-size:13px;font-weight:600;line-height:1.5;text-decoration:none;display:inline-flex}.button-primary{background:var(--accent);color:var(--accent-ink)}.button-primary:hover{background:var(--accent-hover);color:var(--accent-ink)}.button-outline{background:var(--surface);border-color:var(--line)}.button-outline:hover{border-color:var(--accent)}.section-space{padding-block:76px}.section-heading{justify-content:space-between;align-items:flex-end;gap:30px;margin-bottom:34px;display:flex}.section-heading .eyebrow{margin-bottom:14px}.section-heading .text-link{flex-shrink:0;margin-bottom:4px}.section-description{color:var(--muted);font-size:14px;line-height:1.7}.sr-only{clip:rect(0,0,0,0);white-space:nowrap;border:0;width:1px;height:1px;margin:-1px;padding:0;position:absolute;overflow:hidden}.skip-link{z-index:25;background:var(--ink);color:var(--surface);padding:8px 16px;position:fixed;top:-100px;left:15px}.skip-link:focus{top:8px}.draft-strip{background:var(--note);color:var(--muted);font:9px/1.5 var(--font-mono);text-align:center;letter-spacing:.06em;padding:5px 14px}.draft-strip span{padding-inline:8px}.site-header{z-index:10;background:var(--surface);border-bottom:1px solid var(--line);position:sticky;top:0}.header-inner{justify-content:space-between;align-items:center;gap:26px;height:78px;display:flex}.brand{letter-spacing:-1.2px;white-space:nowrap;align-items:center;gap:10px;font-size:24px;font-weight:700;line-height:1.1;text-decoration:none;display:inline-flex}.brand-light{font-weight:400}.brand-dot{color:var(--accent);margin-left:3px;font-weight:400;display:inline-block}.brand-mark{color:#fff;letter-spacing:-1px;background:#165dff;border-radius:8px;justify-content:center;align-items:center;width:32px;height:32px;padding-bottom:9px;padding-left:1px;font-size:30px;font-weight:700;line-height:1;display:inline-flex;position:relative}.brand-mark>span{background:#aec9ff;border-radius:1px;width:6px;height:6px;position:absolute;top:4px;right:4px}.desktop-nav{align-items:center;gap:26px;display:flex}.desktop-nav a{color:var(--muted);white-space:nowrap;font-size:12px;text-decoration:none}.desktop-nav a:hover,.desktop-nav a[aria-current=page]{color:var(--accent)}.nav-dot{display:none}.header-actions{align-items:center;gap:15px;display:flex}.icon-button{background:0 0;border:0;border-radius:6px;justify-content:center;align-items:center;min-width:38px;min-height:38px;padding:8px;display:inline-flex}.icon-button:hover{background:var(--note)}.header-code{background:var(--ink);color:var(--surface);white-space:nowrap;border-radius:6px;align-items:center;gap:16px;padding:10px 15px;font-size:12px;font-weight:600;text-decoration:none;display:flex}.header-code:hover{background:var(--accent);color:var(--accent-ink)}.menu-toggle{display:none}.mobile-nav{border-top:1px solid var(--line);padding:12px 22px 20px}.mobile-nav a{padding:11px 10px;font-size:15px;text-decoration:none;display:block}.mobile-nav[hidden],.moon-icon,[data-theme=dark] .sun-icon{display:none}[data-theme=dark] .moon-icon{display:inline-flex}.hero{background:radial-gradient(ellipse at 100% 0,color-mix(in srgb,var(--accent) 5%,transparent),transparent 58%);padding-block:40px 0}.hero-eyebrow{align-items:center;gap:9px;margin-bottom:30px;display:flex}.signal-mark{background:var(--accent);border-radius:50%;width:7px;height:7px}.hero-eyebrow .eyebrow{font-size:9px}.hero-edition{color:var(--muted);margin-left:auto;font-size:9px}.hero-intro{grid-template-columns:minmax(0,1.7fr) minmax(0,1fr);align-items:end;gap:45px;margin-bottom:38px;display:grid}.hero h1{letter-spacing:-.06em;font-size:clamp(40px,4.4vw,59px);line-height:1.02}.hero h1>span{color:var(--accent);margin-top:7px;font-size:clamp(67px,7.5vw,101px);display:inline-block}.title-square{background:var(--ink);vertical-align:baseline;width:12px;height:12px;margin-left:7px;display:inline-block}.hero-summary{padding-bottom:5px}.claim{color:var(--muted);max-width:740px;font-size:17px;line-height:1.8}.hero .claim{font-size:15px;line-height:1.8}.hero-summary .text-link{color:var(--accent);margin-top:17px;font-size:12px}.code-console{border:1px solid var(--console-line);background:var(--console);color:#f3f6ff;border-radius:15px;overflow:hidden;box-shadow:0 12px 40px -30px #0b1d3b77}.console-top{border-bottom:1px solid var(--console-line);justify-content:space-between;align-items:center;gap:25px;padding:25px 30px;display:flex}.console-title{align-items:center;gap:15px;display:flex}.console-symbol{border:1px solid var(--console-line);width:45px;height:45px;color:var(--console-blue);border-radius:11px;justify-content:center;align-items:center;display:flex}.console-title .eyebrow{color:var(--console-muted);letter-spacing:.1em;font-size:8px}.console-title h2{letter-spacing:-.035em;margin-top:6px;font-size:24px}.console-code{min-width:290px}.console-code>.eyebrow{color:var(--console-muted);margin-bottom:7px;font-size:8px}.copy-code{background:var(--accent-soft);width:100%;color:var(--accent);border:1px solid var(--line);text-align:left;border-radius:7px;justify-content:space-between;align-items:center;gap:17px;padding:15px 17px;display:flex}.copy-code:hover{border-color:var(--accent)}.code-value{font:600 24px/1.3 var(--font-mono);letter-spacing:-1.2px;user-select:all}.copy-label{white-space:nowrap;align-items:center;gap:8px;font-size:10px;display:flex}.is-copied{outline:2px solid var(--accent);outline-offset:2px}.console-code .copy-code{color:#fff;background:#1d3254;border-color:#3c5680;padding:11px 14px}.console-code .code-value{font-size:20px}.console-code .copy-label{color:#c4d8ff;font-size:9px}.console-code .copy-code:hover{background:#28436d;border-color:#83acff}.comparison-board{grid-template-columns:minmax(0,1fr) 65px minmax(0,1fr) minmax(0,.8fr);align-items:center;gap:27px;padding:33px 30px 35px;display:grid}.rate-label{color:var(--console-muted);align-items:center;gap:7px;font-size:12px;display:flex}.rate-dot{background:#8d9ab0;border-radius:50%;width:5px;height:5px}.rate-block>strong{font:600 clamp(46px,5.3vw,71px)/1.1 var(--font-sans);font-variant-numeric:tabular-nums;letter-spacing:-.07em;margin-block:15px 21px;display:block}.rate-standard>strong{color:#a5b1c7}.rate-referred>strong,.rate-referred .rate-label{color:var(--console-blue)}.rate-referred .rate-dot{background:var(--console-blue)}.comparison-track{background:#283b59;border-radius:2px;height:5px}.comparison-track>span{background:#7a8aa5;border-radius:2px;width:100%;height:100%;display:block}.rate-referred .comparison-track>span{background:var(--console-blue)}.rate-detail{color:var(--console-muted);margin-top:13px;font-size:10px;display:block}.rate-connector{text-align:center}.rate-connector>span{border:1px solid var(--console-line);color:#9cb2d3;border-radius:50%;justify-content:center;align-items:center;width:43px;height:43px;margin:0 auto 12px;display:flex}.rate-connector>small{color:var(--console-muted);font-size:9px;line-height:1.6;display:block}.comparison-receipt{border-left:1px solid var(--console-line);flex-direction:column;justify-content:center;align-self:stretch;padding-left:28px;display:flex}.comparison-receipt .eyebrow{color:var(--console-muted);letter-spacing:.08em;font-size:7px}.comparison-receipt>strong{font:600 35px/1.2 var(--font-sans);letter-spacing:-.06em;margin-block:11px 3px}.comparison-receipt>p{color:#f0f4fc;font-size:10px;line-height:1.7}.comparison-receipt>span:not(.eyebrow){color:var(--console-muted);margin-top:11px;font-size:9px;line-height:1.7}.comparison-receipt>a{color:var(--console-blue);align-items:center;gap:7px;margin-top:15px;font-size:9px;text-decoration:none;display:inline-flex}.console-bottom{border-top:1px solid var(--console-line);background:#0e192c;grid-template-columns:1fr 360px;align-items:center;gap:30px;padding:21px 30px;display:grid}.console-notes p{color:var(--console-muted);font-size:10px;line-height:1.7}.console-notes p:first-child{color:#e0e8f6;align-items:flex-start;gap:8px;display:flex}.console-notes p:first-child svg{margin-top:2px}.console-notes p+p{margin-top:8px;font-size:9px}.console-notes a{color:#dbe7ff}.referral-link-wrap .button{width:100%;font-size:12px}.link-note{color:var(--muted);text-align:center;margin-top:9px;font-size:10px;line-height:1.7}.console-bottom .button-primary{color:#fff;background:#2368ff}.console-bottom .button-primary:hover{background:#4782ff}.console-bottom .link-note{display:none}.hero-provenance{border-bottom:1px solid var(--line);justify-content:space-between;align-items:center;gap:25px;padding-block:22px;display:flex}.hero-provenance>span{color:var(--muted);align-items:center;gap:7px;font-size:10px;display:flex}.verified-box{background:var(--note);border:1px solid var(--line);border-radius:8px;align-items:center;gap:11px;max-width:740px;margin-top:23px;padding:16px 18px;display:flex}.verified-box>div{flex:1}.verified-box strong{font-size:12px;font-weight:600;line-height:1.7;display:block}.verified-box span:not(.verification-icon){color:var(--muted);margin-top:2px;font-size:11px;line-height:1.8;display:block}.verification-icon{color:var(--accent);display:inline-flex}.verified-box>a{color:var(--accent);align-items:center;padding:7px;display:flex}.verified-box.small{background:0 0;border:0;margin:0;padding:0}.verified-box.small strong{font-size:10px}.verified-box.small span:not(.verification-icon){font-size:9px}.verified-box.small>a{margin-left:5px}.how-section{background:var(--paper)}.steps-grid{grid-template-columns:repeat(4,minmax(0,1fr));gap:30px;margin:0;padding:0;list-style:none;display:grid}.step{border-top:2px solid var(--line);padding-top:21px;position:relative}.step:first-child{border-color:var(--accent)}.step-number{color:var(--accent);margin-bottom:21px;font-size:11px;display:block}.step h3{margin-bottom:9px;font-size:17px}.step p{color:var(--muted);font-size:14px;line-height:1.8}.guide-section{border-block:1px solid var(--line);background:var(--surface)}.guide-grid{grid-template-columns:repeat(2,minmax(0,1fr));column-gap:48px;display:grid}.guide-card{border-top:1px solid var(--line);grid-template-columns:40px minmax(0,1fr) 22px;align-content:center;column-gap:17px;min-height:144px;padding:27px 5px;text-decoration:none;display:grid;position:relative}.guide-card:hover{color:var(--accent);background:color-mix(in srgb,var(--accent-soft) 55%,transparent)}.guide-card-top{flex-direction:column;grid-area:1/1/4;justify-content:center;align-items:center;gap:10px;display:flex}.guide-icon{color:var(--accent);display:flex}.guide-card-top>.mono{color:var(--muted);font-size:9px}.guide-card>.eyebrow{letter-spacing:.08em;grid-column:2;margin-bottom:6px;font-size:8px}.guide-card>h3{letter-spacing:-.035em;grid-column:2;margin-bottom:6px;font-size:19px}.guide-card>p{color:var(--muted);grid-column:2;font-size:12px;line-height:1.8}.guide-card-arrow{color:var(--muted);grid-area:1/3/4;align-self:center}.guide-card:hover .guide-card-arrow{color:var(--accent);transform:translate(3px)}.calculator-section-grid{grid-template-columns:minmax(0,1fr) minmax(0,1fr);align-items:center;gap:100px;display:grid}.calculator-copy>.eyebrow{margin-bottom:20px}.calculator-copy h2{margin-bottom:25px;font-size:clamp(38px,4.1vw,55px);line-height:1.08}.calculator-copy>p{color:var(--muted);max-width:420px;font-size:16px;line-height:1.85}.calculator-copy .text-link{margin-top:23px;font-size:12px}.calculator-callout{color:var(--muted);align-items:center;gap:12px;margin-top:32px;font-size:11px;line-height:1.7;display:flex}.calculator-callout svg{color:var(--accent)}.fee-calculator{border:1px solid var(--line);background:var(--surface);border-radius:13px;max-width:640px;padding:28px 30px}.calculator-heading{color:var(--accent);justify-content:space-between;align-items:center;gap:20px;margin-bottom:23px;display:flex}.calculator-heading .eyebrow{color:var(--accent);font-size:9px}.fee-calculator h3{letter-spacing:-.04em;margin-bottom:25px;font-size:26px;line-height:1.17}.fee-calculator h3 em{color:var(--accent);margin-top:3px;display:block}.fee-calculator label{justify-content:space-between;gap:15px;margin-bottom:8px;font-size:12px;display:flex}.fee-calculator label span{font:10px var(--font-mono);color:var(--muted)}.amount-input{background:var(--paper);border:1px solid var(--line);border-radius:7px;align-items:center;padding-inline:17px;display:flex}.amount-input>span{color:var(--muted);font-size:24px}.amount-input input{width:100%;min-width:0;font:500 30px/1.5 var(--font-sans);letter-spacing:-.04em;appearance:textfield;background:0 0;border:0;padding:10px}.amount-input input::-webkit-inner-spin-button,.amount-input input::-webkit-outer-spin-button{-webkit-appearance:none;margin:0}.amount-input input:focus{outline:0}.amount-input:focus-within{outline:2px solid var(--accent);outline-offset:2px}.amount-input:has([aria-invalid=true]){border-color:var(--warning)}.amount-presets{gap:7px;margin:11px 0 24px;display:flex}.amount-presets button{border:1px solid var(--line);min-height:34px;font:11px/1.5 var(--font-mono);background:0 0;border-radius:5px;padding:5px 14px}.amount-presets button[aria-pressed=true]{color:var(--accent);background:var(--accent-soft);border-color:var(--accent)}.calc-results>div{justify-content:space-between;align-items:center;gap:15px;margin-bottom:13px;display:flex}.calc-results>div>span{font-size:12px}.calc-results small{font:9px var(--font-mono);color:var(--muted);margin-left:9px}.calc-results strong{font:600 21px/1.3 var(--font-sans);letter-spacing:-.04em;font-variant-numeric:tabular-nums}.calc-results .calc-saving{background:var(--accent-soft);color:var(--accent);border-radius:7px;margin:20px -12px 0;padding:16px 12px}.calc-saving strong{font-size:29px}.calculator-note{color:var(--muted);margin-top:18px;font-size:10px;line-height:1.8}.home-faq{border-top:1px solid var(--line);background:var(--surface)}.home-faq-grid{grid-template-columns:1fr 1.5fr;gap:70px;display:grid}.home-faq-grid>div>.eyebrow{margin-bottom:18px}.home-faq-grid>div>p{color:var(--muted);margin-top:23px;font-size:14px}.home-faq .faq-section{margin:0}.home-faq .faq-section>h2,.home-faq .section-kicker{display:none}.faq-section{margin-block:48px}.faq-section>.section-kicker{margin-bottom:12px}.faq-section>h2{margin-bottom:26px;font-size:32px}.faq-list{border-top:1px solid var(--line)}.faq-list details{border-bottom:1px solid var(--line)}.faq-list summary{cursor:pointer;align-items:center;gap:14px;padding:23px 0;font-size:14px;font-weight:500;line-height:1.7;list-style:none;display:flex}.faq-list summary::-webkit-details-marker{display:none}.faq-number{font:10px var(--font-mono);color:var(--accent)}.faq-plus{color:var(--accent);margin-left:auto;font-size:23px;font-weight:400;transition:transform .15s}.faq-list details[open] .faq-plus{transform:rotate(45deg)}.faq-answer{padding:0 29px 25px}.faq-answer p{color:var(--muted);font-size:15px;line-height:1.85}.about-band{border-block:1px solid var(--line);background:var(--accent-soft);padding-block:33px}.about-band-inner{align-items:center;gap:20px;display:flex}.author-monogram{background:var(--accent);width:58px;height:58px;color:var(--accent-ink);border-radius:12px;flex-shrink:0;justify-content:center;align-items:center;font-size:27px;font-weight:700;display:flex}.about-band .eyebrow{color:var(--accent);font-size:8px}.about-band h2{letter-spacing:-.04em;margin-block:5px 7px;font-size:25px;line-height:1.3}.about-band p{color:var(--muted);font-size:12px}.about-band .button{flex-shrink:0;margin-left:auto;font-size:12px}.home-disclosure{padding-block:30px}.home-source-links{border-bottom:1px solid var(--line);flex-wrap:wrap;align-items:center;gap:20px;margin-bottom:20px;padding-bottom:20px;display:flex}.home-source-links a{font-size:11px}.home-source-links .eyebrow{font-size:9px}.disclosure{color:var(--muted);font-size:12px;line-height:1.85}.home-disclosure>p{color:var(--muted);margin-top:9px;font-size:11px}.site-footer{background:var(--footer);border-top:1px solid var(--line);padding-block:40px 24px}.footer-top{justify-content:space-between;gap:35px;padding-bottom:30px;display:flex}.footer-top>div>p{color:var(--muted);margin-top:17px;font-size:12px;line-height:1.9}.footer-links{grid-template-columns:repeat(2,auto);align-content:start;gap:10px 40px;display:grid}.footer-links a{font-size:12px;text-decoration:none}.footer-bottom{border-top:1px solid var(--line);color:var(--muted);justify-content:space-between;align-items:center;gap:20px;padding-top:18px;font-size:10px;display:flex}.footer-bottom strong{font-weight:400}.eligibility{color:var(--muted);margin-top:14px;font-size:10px;line-height:1.9}.eligibility p+p{margin-top:8px}.mobile-copy-bar{display:none}.breadcrumbs{color:var(--muted);align-items:center;gap:12px;padding-block:27px;font-size:11px;display:flex}.breadcrumbs a{text-decoration:none}.breadcrumbs>span[aria-hidden]{color:var(--line)}.article-header{border-bottom:1px solid var(--line);max-width:930px;padding:20px 0 37px}.article-category{justify-content:space-between;align-items:center;gap:20px;margin-bottom:20px;display:flex}.article-category>.eyebrow{color:var(--accent)}.read-time{color:var(--muted);align-items:center;gap:6px;font-size:10px;display:flex}.article-header h1{letter-spacing:-.06em;max-width:880px;margin-bottom:25px;font-size:clamp(42px,4.7vw,64px);line-height:1.04}.article-byline{color:var(--muted);align-items:center;gap:10px;margin-top:24px;font-size:11px;display:flex}.byline-monogram{background:var(--accent-soft);width:28px;height:28px;color:var(--accent);border-radius:7px;justify-content:center;align-items:center;font-size:13px;font-weight:700;display:inline-flex}.byline-separator{margin-inline:10px;display:inline-block}.article-byline a{color:var(--ink);font-weight:600;text-decoration:none}.article-layout{grid-template-columns:230px minmax(0,1fr);gap:65px;max-width:1100px;padding-block:46px 65px;display:grid}.article-sidebar{align-self:start;position:sticky;top:110px}.toc{border-left:2px solid var(--line);flex-direction:column;gap:0;padding-left:18px;display:flex}.toc .eyebrow{color:var(--accent);margin-bottom:13px;font-size:9px}.toc a{color:var(--muted);padding-block:7px;font-size:12px;line-height:1.7;text-decoration:none}.toc a:hover{color:var(--accent)}.sidebar-code{background:var(--surface);border:1px solid var(--line);border-radius:9px;margin-top:30px;padding:17px}.sidebar-code>.eyebrow{margin-bottom:11px;font-size:8px}.sidebar-code .copy-code{padding:11px;display:block}.sidebar-code .code-value{font-size:18px}.sidebar-code .copy-label{gap:6px;margin-top:8px;font-size:9px}.sidebar-code .copy-label svg{width:13px;height:13px}.sidebar-code>p{color:var(--muted);margin-top:13px;font-size:11px;line-height:1.85}.sidebar-code>a{color:var(--accent);align-items:center;gap:7px;margin-top:15px;font-size:10px;text-decoration:none;display:flex}.article-body{min-width:0}.article-section{margin-bottom:43px;scroll-margin-top:115px}.article-section h2{letter-spacing:-.045em;margin-bottom:20px;font-size:30px;line-height:1.2}.article-section>p{color:var(--muted);font-size:17px;line-height:1.9}.article-steps{margin:20px 0 0;padding:0;list-style:none}.article-steps li{border-top:1px solid var(--line);align-items:flex-start;gap:19px;padding-block:23px;display:flex}.article-steps li>span{background:var(--accent-soft);width:32px;height:32px;color:var(--accent);border-radius:7px;flex-shrink:0;justify-content:center;align-items:center;font-size:11px;display:flex}.article-steps h3{margin-bottom:10px;font-size:17px}.article-steps p{color:var(--muted);font-size:16px;line-height:1.9}.table-scroll{border:1px solid var(--line);background:var(--surface);border-radius:9px;max-width:100%;margin-block:24px;overflow-x:auto}.table-scroll table{border-collapse:collapse;text-align:left;width:100%;min-width:510px;font-size:12px;line-height:1.8}.table-scroll thead{background:var(--note);font-size:11px}.table-scroll th,.table-scroll td{border-bottom:1px solid var(--line);vertical-align:top;padding:16px 18px}.table-scroll tbody th{min-width:130px;font-weight:600}.table-scroll tbody td{color:var(--muted)}.table-scroll tbody tr:last-child>*{border-bottom:0}.table-scroll .accent-text{color:var(--accent);font-weight:600}.article-code-cta{background:var(--surface);border:1px solid var(--line);border-radius:12px;margin-block:39px 49px;padding:27px}.article-code-cta>.eyebrow{color:var(--accent)}.article-code-cta h2{margin-block:13px 23px;font-size:30px}.article-code-cta .copy-code{margin-bottom:17px}.article-section>.fee-calculator{max-width:none;margin-top:25px}.sources-section{border-top:1px solid var(--line);margin-top:40px;padding-top:30px}.sources-section h2{margin-block:13px 19px;font-size:29px}.sources-section>p{color:var(--muted);font-size:14px;line-height:1.85}.sources-section ul{flex-direction:column;gap:11px;margin:21px 0 26px;padding:0;list-style:none;display:flex}.sources-section li a{align-items:center;gap:9px;font-size:12px;display:inline-flex}.sources-section .disclosure{border-top:1px solid var(--line);padding-top:20px}.sources-section .independence{margin-top:12px;font-size:11px}.sources-section .text-link{margin-top:24px;font-size:12px}.related-section{background:var(--surface);border-top:1px solid var(--line)}.related-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:30px;display:grid}.related-grid .guide-card{grid-template-columns:30px minmax(0,1fr) 20px;align-content:start;gap:8px;min-height:170px;padding-top:24px}.related-grid .guide-card h3{font-size:19px}.related-grid .guide-card p{font-size:12px}.related-grid .guide-card-top{justify-content:flex-start;padding-top:5px}.review-note{background:var(--warning-soft);border-left:3px solid var(--warning);margin-bottom:28px;padding:15px 19px;font-size:12px;line-height:1.8}.debunk-quote{background:var(--warning-soft);border-left:3px solid var(--warning);margin:25px 0;padding:22px 25px}.debunk-quote p{letter-spacing:-.04em;font-size:27px;font-weight:600;line-height:1.4}.debunk-quote footer{color:var(--muted);margin-top:12px;font-size:13px;line-height:1.8}.verification-timeline>article{border-top:1px solid var(--line);padding-block:25px}.log-date{justify-content:space-between;align-items:baseline;gap:12px;margin-bottom:18px;display:flex}.log-date .mono{font-size:11px}.status-label{background:var(--accent-soft);color:var(--accent);border-radius:4px;padding:5px 9px;font-size:9px}.verification-timeline h3{margin-bottom:12px;font-size:19px}.verification-timeline p{color:var(--muted);font-size:15px;line-height:1.9}.verification-timeline .evidence-note{background:var(--note);border-radius:5px;margin-top:16px;padding:12px 15px;font-size:12px}.source-inline{flex-wrap:wrap;gap:17px;margin-top:15px;display:flex}.source-inline a{font-size:11px}.profile-links{padding-left:20px;font-size:15px;line-height:2.6}.gated-page{max-width:900px;min-height:60vh;padding-block:90px 130px}.gated-page h1{max-width:750px;margin-block:21px 28px;font-size:clamp(42px,6vw,73px);line-height:1.02}.gated-page p{max-width:600px;color:var(--muted);margin-bottom:26px;font-size:16px}.article-section>.eligibility{background:var(--note);border-radius:8px;padding:20px;font-size:14px}@media (width>=1450px){.hero{padding-top:48px}.hero-intro{gap:70px;margin-bottom:42px}.hero h1{font-size:60px}.hero h1>span{font-size:106px}.hero .claim{font-size:16px}}@media (width<=1100px){.container{width:calc(100% - 64px)}.desktop-nav{gap:18px}.desktop-nav a{font-size:11px}.header-inner{gap:20px}.header-code{gap:10px}.brand{font-size:22px}.hero-intro{gap:32px}.hero h1{font-size:43px}.hero h1>span{font-size:76px}.hero .claim{font-size:14px}.comparison-board{grid-template-columns:1fr 46px 1fr .8fr;gap:22px}.comparison-receipt{padding-left:20px}.rate-block>strong{font-size:60px}.console-bottom{grid-template-columns:1fr 320px}.guide-grid{column-gap:30px}.calculator-section-grid{gap:65px}.article-layout{grid-template-columns:210px minmax(0,1fr);gap:40px}.article-header{width:calc(100% - 130px)}.related-grid{gap:20px}}@media (width<=880px){.header-code{display:none}.desktop-nav{gap:22px}.desktop-nav a{font-size:11px}.hero-intro{grid-template-columns:1.5fr 1fr;gap:24px}.hero h1{font-size:35px}.hero h1>span{font-size:65px}.hero .claim{font-size:13px}.hero-edition{display:none}.console-top{padding:23px}.console-title h2{font-size:21px}.console-title{gap:12px}.console-symbol{width:37px;height:37px}.console-code{min-width:250px}.console-code .code-value{font-size:18px}.comparison-board{grid-template-columns:1fr 40px 1fr;gap:25px;padding:27px 23px}.rate-block>strong{font-size:68px}.comparison-receipt{border-left:0;border-top:1px solid var(--console-line);grid-column:1/-1;grid-template-columns:1fr auto;align-items:center;gap:0 20px;padding:20px 0 0;display:grid}.comparison-receipt>.eyebrow{grid-area:1/1;font-size:8px}.comparison-receipt>strong{grid-area:2/1;margin-block:7px 2px;font-size:27px}.comparison-receipt>p{grid-area:3/1;font-size:10px}.comparison-receipt>span:not(.eyebrow){text-align:right;grid-area:1/2/3;margin:0;font-size:10px}.comparison-receipt>a{grid-area:3/2;justify-content:flex-end;margin:0;font-size:10px}.console-bottom{grid-template-columns:1fr 275px;gap:24px;padding:20px 23px}.console-bottom .button{padding-inline:12px;font-size:10px}.console-notes p,.hero-provenance>span{font-size:9px}.section-space{padding-block:60px}.section-heading h2{font-size:32px}.step h3{font-size:15px}.step p{font-size:13px}.steps-grid{gap:22px}.guide-card{grid-template-columns:30px 1fr 18px;column-gap:12px}.guide-card h3{font-size:17px}.guide-card p{font-size:12px}.guide-card>.eyebrow{font-size:7px}.calculator-section-grid{gap:40px}.calculator-copy h2{font-size:40px}.calculator-copy>p{font-size:15px}.fee-calculator{padding:25px}.calc-results small{margin:3px 0 0;display:block}.home-faq-grid{gap:40px}.home-faq h2{font-size:33px}.article-layout{grid-template-columns:minmax(0,1fr);max-width:740px}.article-sidebar{display:none}.article-header{width:calc(100% - 64px);max-width:740px}.article-header h1{font-size:51px}.related-grid .guide-card{grid-template-columns:1fr 20px}.related-grid .guide-card-top{display:none}.related-grid .guide-card>h3,.related-grid .guide-card>p,.related-grid .guide-card>.eyebrow{grid-column:1}.related-grid .guide-card-arrow{grid-column:2}.about-band h2{font-size:22px}}@media (width<=640px){body{font-size:16px}.container{width:calc(100% - 40px)}.draft-strip{letter-spacing:.02em;padding-block:5px;font-size:7px}.draft-strip span{padding-inline:4px}.header-inner{gap:12px;height:68px}.brand{gap:9px;font-size:23px}.brand-mark{border-radius:7px;width:29px;height:29px;font-size:27px}.brand-mark>span{width:5px;height:5px}.header-actions{gap:5px}.icon-button{min-width:39px;min-height:39px}.desktop-nav{display:none}.menu-toggle{display:flex}.hero{padding-top:27px}.hero-eyebrow{gap:7px;margin-bottom:23px}.hero-eyebrow .eyebrow{letter-spacing:.08em;font-size:7px}.signal-mark{width:5px;height:5px}.hero-intro{grid-template-columns:minmax(0,1fr);gap:22px;margin-bottom:26px}.hero h1{letter-spacing:-.055em;font-size:clamp(25px,6.8vw,42px);line-height:1.1}.hero h1>span{letter-spacing:-.065em;margin-top:9px;font-size:clamp(52px,13.8vw,81px)}.title-square{width:8px;height:8px;margin-left:5px}.hero .claim{font-size:15px;line-height:1.85}.hero-summary .text-link{margin-top:14px;font-size:12px}.code-console{border-radius:12px}.console-top{padding:20px;display:block}.console-symbol{display:none}.console-title h2{margin-top:5px;font-size:22px}.console-title .eyebrow{font-size:7px}.console-code{min-width:0;margin-top:21px}.console-code>.eyebrow{font-size:7px}.console-code .copy-code{padding:13px 12px}.console-code .code-value{font-size:23px}.console-code .copy-label{font-size:9px}.comparison-board{grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:21px;padding:23px 20px}.rate-connector{display:none}.rate-label{align-items:flex-start;gap:5px;min-height:34px;font-size:10px;line-height:1.7}.rate-dot{flex-shrink:0;margin-top:6px}.rate-block>strong{margin:10px 0 18px;font-size:clamp(38px,11vw,65px)}.rate-detail{margin-top:9px;font-size:8px;line-height:1.8}.comparison-track{height:4px}.comparison-receipt{column-gap:10px;padding-top:19px}.comparison-receipt .eyebrow{font-size:6px}.comparison-receipt>strong{margin-block:5px 3px;font-size:28px}.comparison-receipt>p{font-size:8px}.comparison-receipt>span:not(.eyebrow){font-size:8px;line-height:1.9}.comparison-receipt>a{gap:5px;font-size:8px}.console-bottom{flex-direction:column-reverse;align-items:stretch;gap:16px;padding:20px;display:flex}.console-bottom .button{gap:9px;min-height:46px;font-size:11px}.console-notes p{font-size:9px;line-height:1.85}.console-notes p+p{margin-top:9px;font-size:8px}.hero-provenance{padding-block:19px;display:block}.hero-provenance>span{margin-top:14px;padding-left:29px;font-size:9px}.verified-box.small{gap:9px}.verified-box.small strong{font-size:10px}.verified-box.small span:not(.verification-icon){font-size:8px}.verified-box.small>a{padding:4px}.section-space{padding-block:45px}.section-heading{margin-bottom:27px;display:block}.section-heading h2{letter-spacing:-.05em;font-size:30px}.section-heading .eyebrow{margin-bottom:13px;font-size:8px}.section-heading>.text-link{margin-top:18px;font-size:12px}.section-description{margin-top:16px;font-size:13px}.steps-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:26px 22px}.step{padding-top:15px}.step-number{margin-bottom:15px;font-size:10px}.step h3{font-size:15px;line-height:1.5}.step p{font-size:13px;line-height:1.85}.guide-grid{grid-template-columns:minmax(0,1fr);gap:0}.guide-card{grid-template-columns:32px minmax(0,1fr) 20px;gap:0 16px;min-height:125px;padding:22px 0}.guide-card>.eyebrow{margin-bottom:5px;font-size:7px}.guide-card>h3{margin-bottom:6px;font-size:19px}.guide-card>p{font-size:12px;line-height:1.8}.guide-card-top{gap:11px}.guide-icon svg{width:21px;height:21px}.guide-card-top>.mono{font-size:8px}.calculator-section-grid{grid-template-columns:minmax(0,1fr);gap:30px}.calculator-copy h2{font-size:42px}.calculator-copy>.eyebrow{margin-bottom:18px;font-size:8px}.calculator-copy>p{font-size:16px}.calculator-copy .text-link{margin-top:20px;font-size:12px}.calculator-callout{margin-top:25px;font-size:11px}.fee-calculator{border-radius:12px;padding:25px 21px}.calculator-heading{margin-bottom:19px}.fee-calculator h3{font-size:27px}.amount-input{padding-inline:14px}.amount-input input{font-size:29px}.amount-presets button{min-height:36px;padding-inline:14px;font-size:10px}.calc-results small{margin-left:7px;display:inline}.calc-results>div>span{font-size:11px}.calc-results strong{font-size:22px}.calc-saving strong{font-size:29px}.calculator-note{font-size:10px}.home-faq-grid{grid-template-columns:minmax(0,1fr);gap:28px}.home-faq h2{font-size:36px}.home-faq-grid>div>p{margin-top:18px;font-size:14px}.home-faq-grid>div>.eyebrow{font-size:8px}.faq-list summary{gap:12px;padding-block:21px;font-size:14px}.faq-answer{padding-left:24px;padding-right:12px}.faq-answer p{font-size:15px}.faq-number{font-size:9px}.about-band{padding-block:27px}.about-band-inner{flex-wrap:wrap;gap:15px}.author-monogram{border-radius:10px;width:45px;height:45px;font-size:23px}.about-band-inner>div{flex:1}.about-band .eyebrow{font-size:7px;line-height:1.8}.about-band h2{margin-block:7px;font-size:20px}.about-band p{font-size:11px}.about-band .button{min-height:43px;margin-left:60px;font-size:11px}.home-disclosure{padding-block:25px}.home-source-links{margin-bottom:18px;padding-bottom:18px;display:block}.home-source-links .eyebrow{font-size:8px}.home-source-links a{margin-top:12px;margin-right:13px;font-size:10px;display:inline-block}.home-disclosure .disclosure{font-size:12px}.home-disclosure>p{font-size:10px}.site-footer{padding-block:32px 85px}.footer-top{padding-bottom:25px;display:block}.footer-top>div>p{font-size:12px}.footer-links{grid-template-columns:repeat(2,minmax(0,1fr));gap:12px 20px;margin-top:24px}.footer-links a{font-size:11px}.footer-bottom{font-size:9px;display:block}.footer-bottom strong{margin-top:9px;display:block}.eligibility{font-size:10px}.mobile-copy-bar{z-index:9;padding:10px 20px max(10px,env(safe-area-inset-bottom));border-top:1px solid var(--line);background:var(--surface);justify-content:space-between;align-items:center;gap:15px;display:flex;position:fixed;bottom:0;left:0;right:0;box-shadow:0 -4px 25px #00000008}.mobile-copy-bar>span{color:var(--muted);font-size:10px}.copy-code.compact{gap:10px;width:auto;padding:10px 12px;font-size:11px}.breadcrumbs{align-items:baseline;gap:10px;padding-block:20px;font-size:10px}.article-header{width:calc(100% - 40px);padding-block:12px 27px}.article-header h1{letter-spacing:-.055em;margin-bottom:23px;font-size:38px;line-height:1.09}.article-category{gap:12px;margin-bottom:17px}.article-category>.eyebrow{font-size:7px}.read-time{font-size:8px}.article-header>.claim{font-size:15px;line-height:1.85}.article-header>.verified-box{gap:9px;margin-top:20px;padding:13px 11px}.verified-box strong{font-size:10px}.verified-box span:not(.verification-icon){font-size:9px}.verified-box>a{padding:3px}.article-byline{gap:8px;margin-top:20px;font-size:9px;line-height:1.8}.byline-separator{margin-inline:5px}.article-layout{gap:0;padding-block:32px 40px}.article-section{margin-bottom:35px}.article-section h2{margin-bottom:17px;font-size:27px;line-height:1.25}.article-section>p{font-size:16px;line-height:1.9}.article-steps li{gap:13px;padding-block:21px}.article-steps li>span{border-radius:6px;width:27px;height:27px;font-size:9px}.article-steps h3{font-size:16px;line-height:1.5}.article-steps p{font-size:16px;line-height:1.85}.table-scroll table{min-width:500px;font-size:11px}.table-scroll th,.table-scroll td{padding:14px}.article-code-cta{padding:20px}.article-code-cta h2{font-size:27px}.article-code-cta .copy-code{display:block}.article-code-cta .copy-label{margin-top:9px}.article-code-cta .referral-link-wrap .button{font-size:11px}.faq-section{margin-block:35px}.faq-section>h2{font-size:29px}.sources-section h2{font-size:27px}.sources-section .text-link{font-size:11px}.sources-section li a{font-size:12px}.related-grid{grid-template-columns:minmax(0,1fr);gap:0}.related-grid .guide-card{grid-template-columns:32px 1fr 20px;gap:0 16px;min-height:135px;padding-block:23px}.related-grid .guide-card-top{justify-content:center;display:flex}.related-grid .guide-card>h3,.related-grid .guide-card>p,.related-grid .guide-card>.eyebrow{grid-column:2}.related-grid .guide-card-arrow{grid-column:3}.related-grid .guide-card h3{font-size:19px}.log-date{display:block}.log-date .status-label{margin-top:10px;display:inline-block}.source-inline{gap:12px}.verification-timeline h3{font-size:18px}.verification-timeline p{font-size:15px}.review-note{font-size:11px}.debunk-quote{padding:20px}.debunk-quote p{font-size:25px}.gated-page{padding-block:60px 85px}.gated-page h1{font-size:44px}.gated-page p{font-size:15px}}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,:before,:after{transition:none!important;animation:none!important}}