/* source: styles.css */
:root{--ink:#101010;--ink-soft:#3e3c38;--paper:#f5f2ec;--white:#fffdf9;--line:#d9d2c6;--gold:#b89355;--gold-soft:#eadab6;--serif:Georgia,'Times New Roman',serif;--sans:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--sans);font-size:16px;line-height:1.55}body:before{content:"";position:fixed;inset:0;pointer-events:none;opacity:.08;background-image:url("data:image/svg+xml,%3Csvg viewBox='0 0 180 180' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.85' numOctaves='3' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='.2'/%3E%3C/svg%3E");z-index:10}.skip-link{position:absolute;left:16px;top:-60px;background:var(--gold-soft);padding:12px 18px;z-index:20}.skip-link:focus{top:16px}.site-header{height:82px;padding:0 clamp(24px,5vw,80px);display:flex;align-items:center;justify-content:space-between;gap:26px;border-bottom:1px solid rgba(16,16,16,.1);position:sticky;top:0;z-index:9;background:rgba(245,242,236,.93);backdrop-filter:blur(14px)}.brand{display:flex;align-items:center;gap:11px;color:var(--ink);text-decoration:none;letter-spacing:-.04em;font-size:18px}.brand strong{font-weight:750}.brand-mark{display:grid;grid-template-columns:1fr 1fr;gap:3px;width:22px;height:22px;transform:rotate(45deg)}.brand-mark span{display:block;background:var(--ink);border-radius:2px}.brand-mark span:first-child{background:var(--gold)}.desktop-nav{display:flex;align-items:center;gap:34px;margin-left:auto}.desktop-nav a,.footer-links a{color:inherit;text-decoration:none;font-size:13px}.desktop-nav a:hover,.footer-links a:hover,.text-link:hover,.card-link:hover{text-decoration:underline;text-underline-offset:4px}.button{display:inline-flex;align-items:center;justify-content:center;gap:12px;padding:15px 21px;border:1px solid transparent;border-radius:999px;text-decoration:none;font-weight:700;font-size:13px;letter-spacing:.01em;transition:transform .2s ease,background .2s ease,color .2s ease,box-shadow .2s ease;cursor:pointer}.button:hover{transform:translateY(-2px)}.button-small{padding:10px 15px}.button-primary{background:var(--ink);color:var(--white);box-shadow:0 8px 20px rgba(0,0,0,.12)}.button-primary:hover{background:#2b2926;box-shadow:0 12px 24px rgba(0,0,0,.18)}.button-outline{border-color:var(--ink);color:var(--ink)}.button-light{background:var(--white);color:var(--ink)}.hero{min-height:calc(100vh - 82px);padding:clamp(54px,8vw,112px) clamp(24px,7.5vw,120px) 74px;display:grid;grid-template-columns:minmax(0,1.02fr) minmax(390px,.98fr);gap:clamp(34px,7vw,120px);align-items:center;overflow:hidden}.hero-copy{max-width:650px}.eyebrow{text-transform:uppercase;letter-spacing:.19em;font-size:10px;font-weight:800;color:#6b655b;margin:0 0 22px}.eyebrow-dot{display:inline-block;width:7px;height:7px;background:var(--gold);border-radius:50%;margin-right:8px;vertical-align:1px}.hero h1,.section h2,.final-cta h2{font-family:var(--serif);font-size:clamp(56px,7vw,104px);line-height:.96;letter-spacing:-.07em;font-weight:400;margin:0}.hero h1 em,.section h2 em,.final-cta h2 em{font-style:italic;color:#77716a}.hero-lede{font-size:18px;color:var(--ink-soft);max-width:485px;margin:29px 0 32px}.hero-actions{display:flex;align-items:center;gap:26px;flex-wrap:wrap}.text-link{color:var(--ink);font-size:13px;font-weight:700;text-decoration:none}.trust-row{display:flex;gap:18px;flex-wrap:wrap;margin-top:54px;color:#6c675f;font-size:11px}.mini-icon{display:inline-flex;align-items:center;justify-content:center;width:17px;height:17px;border:1px solid #b9b0a2;border-radius:50%;font-size:10px;margin-right:5px;color:#7f6942}.hero-art{min-height:570px;position:relative;display:flex;align-items:flex-end;justify-content:center}.art-glow{position:absolute;width:440px;height:440px;border-radius:50%;background:radial-gradient(circle,#e9dbc0 0,#eadfcf 40%,rgba(234,223,207,0) 70%);right:0;top:55px}.butler{position:relative;width:min(100%,520px);z-index:2;filter:drop-shadow(0 20px 20px rgba(0,0,0,.12))}.art-card{position:absolute;z-index:3;background:var(--white);border:1px solid #d7cfc1;box-shadow:0 18px 38px rgba(41,32,20,.14);padding:17px 20px;font-size:10px;letter-spacing:.18em;line-height:1.3}.art-card strong{display:block;font-size:17px;letter-spacing:.04em}.art-card-top{top:78px;right:3%;transform:rotate(8deg)}.art-note{position:absolute;bottom:50px;left:1%;z-index:4;background:var(--ink);color:var(--white);padding:17px 22px;display:flex;gap:12px;align-items:flex-start;font-size:11px;line-height:1.35;box-shadow:0 14px 28px rgba(0,0,0,.18)}.art-note strong{color:var(--gold-soft);font-size:12px}.note-star{color:var(--gold);font-size:20px;line-height:1}.ticker{background:var(--ink);color:var(--white);padding:21px clamp(24px,7.5vw,120px);display:flex;align-items:center;justify-content:space-between;gap:18px;overflow:hidden;white-space:nowrap;font-size:10px;letter-spacing:.16em;font-weight:700}.ticker span{color:var(--gold);font-size:15px}.section{padding:clamp(72px,9vw,140px) clamp(24px,7.5vw,120px)}.section-heading{display:flex;justify-content:space-between;gap:50px;align-items:flex-end;margin-bottom:58px}.section h2{font-size:clamp(47px,6vw,78px)}.section-intro{max-width:350px;color:#6b665d;font-size:15px;margin:0 0 6px}.offer-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:13px}.offer-card{background:var(--white);border:1px solid #ded7cc;min-height:440px;padding:22px 22px 24px;display:flex;flex-direction:column;position:relative;overflow:hidden}.offer-card:after{content:"";position:absolute;width:150px;height:150px;border-radius:50%;background:#f1eadf;right:-65px;bottom:-65px}.dark-card{background:#1c1c1b;color:var(--white);border-color:#1c1c1b}.dark-card:after{background:#332f29}.card-topline{display:flex;justify-content:space-between;align-items:center;position:relative;z-index:2}.category-pill{font-size:10px;text-transform:uppercase;letter-spacing:.12em;border:1px solid #d7cec0;border-radius:999px;padding:6px 9px;color:#706757}.light-pill{color:#d6c39d;border-color:#5e5547}.card-index{font-family:var(--serif);font-style:italic;color:#a99f90;font-size:15px}.offer-symbol{width:74px;height:74px;margin:45px 0 27px;display:flex;align-items:center;justify-content:center;position:relative;color:var(--ink);font-family:var(--serif);font-size:36px}.symbol-arch{border:1px solid var(--gold);border-radius:48px 48px 0 0;height:58px;margin-top:61px}.symbol-arch:after{content:"";position:absolute;bottom:-17px;width:57px;height:1px;background:var(--gold)}.symbol-hand{color:var(--gold-soft);border:1px solid #625641;border-radius:50%;font-size:29px}.symbol-grid{border:1px solid var(--gold);background:linear-gradient(135deg,transparent 46%,#e4cf9e 47%,#e4cf9e 52%,transparent 53%),linear-gradient(45deg,transparent 46%,#e4cf9e 47%,#e4cf9e 52%,transparent 53%);background-size:18px 18px;border-radius:50%}.symbol-ring{border:1px solid var(--gold);border-radius:50%;font-size:46px}.offer-card h3{font-family:var(--serif);font-size:28px;line-height:1.03;letter-spacing:-.05em;font-weight:400;margin:0 0 14px;position:relative;z-index:2}.offer-card p{color:#6b655c;font-size:13px;line-height:1.5;margin:0 0 20px;position:relative;z-index:2}.dark-card p{color:#beb8ac}.card-link{color:var(--ink);font-size:12px;font-weight:800;text-decoration:none;margin-top:auto;position:relative;z-index:2}.light-link{color:var(--gold-soft)}.offer-card small{color:#8b8376;font-size:10px;line-height:1.4;display:block;margin-top:16px;position:relative;z-index:2}.dark-card small{color:#918b80}.affiliate-note{font-size:11px;color:#827a6e;margin:22px 0 0}.affiliate-note span{color:var(--gold);font-size:15px;margin-right:4px}.affiliate-note a{color:inherit}.matcher-section{background:#e8e1d6;display:grid;grid-template-columns:.8fr 1.2fr;gap:clamp(35px,8vw,130px);align-items:center}.matcher-copy{max-width:390px}.matcher-copy p:not(.eyebrow):not(.tiny-note){color:#6b655c}.tiny-note{font-size:11px;color:#8e8579;margin-top:28px}.quiz-shell{background:var(--ink);color:var(--white);min-height:370px;padding:31px 34px;position:relative;box-shadow:16px 16px 0 #d0c5b5}.quiz-progress{height:3px;background:#3b3833;margin-bottom:32px}.quiz-progress span{display:block;width:50%;height:100%;background:var(--gold);transition:width .3s ease}.quiz-count{font-size:10px;text-transform:uppercase;letter-spacing:.18em;color:var(--gold-soft)}.quiz-shell h3{font-family:var(--serif);font-size:34px;font-weight:400;line-height:1.05;letter-spacing:-.04em;max-width:390px;margin:18px 0 28px}.quiz-options{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}.quiz-options button{border:1px solid #4a4640;background:transparent;color:var(--white);padding:15px 12px;text-align:left;min-height:83px;font:inherit;font-size:12px;cursor:pointer;transition:background .2s,border .2s,transform .2s}.quiz-options button:hover,.quiz-options button:focus-visible{background:#2d2b28;border-color:var(--gold);transform:translateY(-2px)}.hidden{display:none!important}.quiz-result p{color:#beb8ad;max-width:440px}.reset-link{display:block;border:0;background:none;color:#a99f90;text-decoration:underline;text-underline-offset:4px;font-size:12px;padding:14px 0;cursor:pointer}.process-section{background:var(--white)}.compact-heading{margin-bottom:64px}.process-grid{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid var(--line)}.process-item{padding:27px 28px 10px 0;border-right:1px solid var(--line);margin-right:28px}.process-item:last-child{border:0;margin-right:0}.process-number{font-family:var(--serif);font-style:italic;color:var(--gold);font-size:20px}.process-item h3{font-family:var(--serif);font-size:28px;font-weight:400;letter-spacing:-.04em;margin:28px 0 10px}.process-item p{color:#746d62;font-size:14px;max-width:270px}.editorial-section{background:#161615;color:var(--white);display:grid;grid-template-columns:.55fr 1fr .65fr;gap:48px;align-items:center}.editorial-section .eyebrow{color:#b6aa98}.editorial-mark{font-family:var(--serif);font-size:clamp(70px,9vw,150px);letter-spacing:-.14em;color:#342f28}.editorial-mark span{color:var(--gold)}.editorial-copy h2{font-size:clamp(47px,5.5vw,76px)}.editorial-copy p:not(.eyebrow){color:#b4aea4;max-width:430px;margin-top:27px}.editorial-aside{border-left:1px solid #4d4941;padding-left:28px}.quote-mark{font-family:var(--serif);font-size:52px;color:var(--gold);line-height:.5}.editorial-aside p{font-family:var(--serif);font-size:27px;line-height:1.05;margin:17px 0}.editorial-aside span{font-size:11px;color:#989187}.faq-section{display:grid;grid-template-columns:.7fr 1.3fr;gap:clamp(35px,8vw,130px)}.faq-list details{border-top:1px solid var(--line);padding:21px 0}.faq-list details:last-child{border-bottom:1px solid var(--line)}summary{font-family:var(--serif);font-size:23px;letter-spacing:-.03em;cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:20px}summary::-webkit-details-marker{display:none}summary:after{content:"+";font-family:var(--sans);font-size:18px;color:var(--gold)}details[open] summary:after{content:"–"}.faq-list p{max-width:600px;color:#746d62;font-size:14px;margin:14px 34px 2px 0}.final-cta{padding:78px clamp(24px,7.5vw,120px);background:var(--gold);display:flex;align-items:center;justify-content:space-between;gap:30px}.final-cta .eyebrow{color:#715a35}.final-cta h2{font-size:clamp(45px,5.7vw,76px)}.site-footer{background:var(--ink);color:#bcb4a7;padding:42px clamp(24px,7.5vw,120px) 30px}.footer-top{display:flex;align-items:center;justify-content:space-between;gap:30px;padding-bottom:48px}.light-brand{color:var(--white)}.light-brand .brand-mark span:first-child{background:var(--gold)}.footer-top p{font-size:12px}.footer-bottom{border-top:1px solid #393733;padding-top:22px;display:flex;justify-content:space-between;gap:20px;font-size:10px;color:#898277}.footer-links{display:flex;gap:18px}.toast{position:fixed;left:50%;bottom:24px;transform:translate(-50%,20px);background:var(--ink);color:var(--white);padding:12px 18px;border-radius:999px;font-size:12px;opacity:0;pointer-events:none;transition:.25s;z-index:20}.toast.show{opacity:1;transform:translate(-50%,0)}:focus-visible{outline:3px solid var(--gold);outline-offset:3px}@media (max-width:1050px){.hero{grid-template-columns:1fr 1fr;gap:34px}.hero-art{min-height:500px}.offer-grid{grid-template-columns:repeat(2,1fr);gap:14px}.offer-card{min-height:410px}.editorial-section{grid-template-columns:.4fr 1fr}.editorial-aside{grid-column:2}.matcher-section{grid-template-columns:.7fr 1.3fr}}@media (max-width:720px){.site-header{height:70px;padding:0 18px}.desktop-nav{display:none}.site-header>.button{padding:9px 12px;font-size:11px}.brand{font-size:16px}.hero{display:block;min-height:auto;padding:65px 22px 30px}.hero h1{font-size:62px}.hero-lede{font-size:16px}.trust-row{margin-top:38px;gap:9px;display:grid}.hero-art{min-height:480px;margin-top:12px}.art-card-top{top:30px;right:0}.art-note{bottom:20px;left:0}.ticker{padding:17px 22px;gap:14px;font-size:8px}.ticker div:nth-of-type(n+4),.ticker span:nth-of-type(n+4){display:none}.section{padding:76px 22px}.section-heading,.faq-section{display:block}.section-intro{margin-top:25px}.offer-grid{grid-template-columns:1fr}.offer-card{min-height:385px}.matcher-section{display:block}.matcher-copy{margin-bottom:38px}.quiz-shell{padding:25px 22px;box-shadow:9px 9px 0 #d0c5b5}.quiz-options{grid-template-columns:1fr}.quiz-options button{min-height:58px}.process-grid{display:block}.process-item{border-right:0;border-bottom:1px solid var(--line);padding:24px 0;margin:0}.process-item:last-child{border-bottom:0}.editorial-section{display:block}.editorial-mark{margin-bottom:34px}.editorial-aside{margin-top:36px;margin-left:0}.faq-list{margin-top:38px}summary{font-size:20px}.final-cta{display:block;padding:70px 22px}.final-cta .button{margin-top:30px}.footer-top,.footer-bottom{display:block}.footer-top p{margin-top:25px}.footer-links{margin-top:18px;flex-wrap:wrap;gap:12px}}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}.button,.quiz-options button{transition:none}}
@media (prefers-reduced-motion:reduce){*,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important;scroll-behavior:auto!important}}
.analytics-preferences-link{border:0;padding:0;background:transparent;color:inherit;font:inherit;cursor:pointer;text-decoration:none}
.error-page{display:grid;grid-template-columns:minmax(0,1fr) minmax(320px,.9fr);gap:clamp(40px,8vw,120px);align-items:center;min-height:calc(100vh - 82px)}.error-copy{max-width:620px}.error-copy h1{font-family:var(--serif);font-size:clamp(58px,7vw,98px);font-weight:400;line-height:.94;letter-spacing:-.07em;margin:0 0 30px}.error-copy h1 em{font-style:italic;color:#77716a}.error-copy>p:not(.eyebrow){max-width:470px;color:#615b51;font-size:17px;margin:0 0 30px}.error-art{position:relative;margin:0;overflow:hidden;background:#1b1917;box-shadow:18px 18px 0 #d0c5b5}.error-art img{display:block;width:100%;height:auto;aspect-ratio:3 / 2;object-fit:cover;filter:saturate(.84)}.error-art figcaption{position:absolute;left:18px;bottom:18px;padding:9px 12px;background:rgba(17,17,17,.84);color:#f5efe3;font-size:10px;font-weight:750;letter-spacing:.14em;text-transform:uppercase}@media (max-width:720px){.error-page{display:block;min-height:auto}.error-copy h1{font-size:62px}.error-art{margin-top:46px;box-shadow:9px 9px 0 #d0c5b5}}
.hero-art{aspect-ratio:3 / 2;min-height:0;background:#e9e1d6;overflow:hidden;border-radius:2px;box-shadow:0 24px 50px rgba(0,0,0,.16)}.hero-photo{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;display:block}.hero-art .art-glow,.hero-art .art-card,.hero-art .art-note,.hero-art .butler{display:none}.editorial-image{margin:0 0 24px;overflow:hidden;border-radius:2px}.editorial-image img{width:100%;height:auto;display:block;filter:saturate(.82);opacity:.94}
@media (max-width:720px){.hero-art{aspect-ratio:4 / 3;min-height:0;margin-top:35px}.editorial-image{margin-left:0}}
html,body{overflow-x:clip}
.link-inventory{margin-top:18px;border-top:1px solid var(--line);padding-top:15px;color:#726b60;font-size:12px}.link-inventory summary{font-family:var(--sans);font-size:12px;font-weight:750;letter-spacing:.01em}.link-inventory summary:after{font-size:16px}.inventory-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin-top:14px}.inventory-grid a{color:#5f584d;border:1px solid var(--line);padding:10px 11px;text-decoration:none;font-size:11px}.inventory-grid a:hover{border-color:var(--gold);color:var(--ink)}.inventory-grid a span{color:var(--gold);float:right}.legal-page{max-width:960px;min-height:70vh}.legal-page h1{font-family:var(--serif);font-size:clamp(52px,7vw,90px);font-weight:400;line-height:.95;letter-spacing:-.07em;margin:0 0 35px}.legal-page h2{font-family:var(--serif);font-size:30px;font-weight:400;letter-spacing:-.04em;margin:45px 0 10px}.legal-page p{max-width:700px;color:#615b51;font-size:16px}.legal-page .tiny-note{font-size:11px}.legal-hero{display:grid;grid-template-columns:minmax(0,1fr) minmax(300px,.82fr);gap:46px;align-items:stretch;margin-bottom:54px}.legal-copy{display:flex;flex-direction:column;justify-content:center}.legal-copy .legal-intro{max-width:640px}.legal-art{position:relative;min-height:320px;overflow:hidden;background:#1b1917}.legal-art img{display:block;width:100%;height:100%;min-height:320px;object-fit:cover;filter:saturate(.82)}.legal-art span{position:absolute;left:18px;bottom:18px;padding:9px 12px;background:rgba(17,17,17,.84);color:#f5efe3;font-family:var(--sans);font-size:10px;font-weight:750;letter-spacing:.14em;text-transform:uppercase}.legal-page .legal-hero h1{margin-bottom:28px}@media (max-width:720px){.inventory-grid{grid-template-columns:1fr}.legal-hero{grid-template-columns:1fr;gap:28px;margin-bottom:42px}.legal-art{min-height:250px}.legal-art img{min-height:250px}}
.menu-toggle{display:none;border:1px solid var(--line);background:transparent;color:var(--ink);border-radius:999px;padding:10px 13px;font:700 11px var(--sans);cursor:pointer;align-items:center;gap:8px}.menu-toggle-icon{font-size:18px;font-weight:400;line-height:.7;transition:transform .2s}.menu-toggle[aria-expanded=true] .menu-toggle-icon{transform:rotate(45deg)}.mobile-nav{display:none}.offer-controls{display:flex;flex-wrap:wrap;gap:8px;margin:-20px 0 12px}.offer-filter{border:1px solid var(--line);background:transparent;color:#6e665b;border-radius:999px;padding:10px 13px;font:700 11px var(--sans);cursor:pointer;transition:background .2s,border-color .2s,color .2s,transform .2s}.offer-filter span{font-family:var(--serif);font-style:italic;color:var(--gold);margin-left:4px}.offer-filter:hover,.offer-filter:focus-visible{border-color:var(--gold);transform:translateY(-1px)}.offer-filter.is-active{background:var(--ink);border-color:var(--ink);color:var(--white)}.offer-filter.is-active span{color:var(--gold-soft)}.offer-filter-status{color:#8b8376;font-size:11px;margin:0 0 20px}.offer-card.is-hidden{display:none}.offer-card-art{height:136px;margin:-22px -22px 21px;overflow:hidden;background:#201c18;position:relative}.offer-card-art:after{content:"";position:absolute;inset:45% 0 0;background:linear-gradient(transparent,rgba(12,11,10,.48))}.offer-card-art img{display:block;width:100%;height:100%;object-fit:cover;filter:saturate(.82);transition:transform .45s ease}.offer-card:hover .offer-card-art img{transform:scale(1.045)}.offer-card .offer-symbol{margin-top:24px}.dark-card .offer-card-art{margin-bottom:21px}.mobile-nav a{color:inherit;text-decoration:none;font-size:14px;font-weight:700;padding:13px 0;border-bottom:1px solid rgba(16,16,16,.12)}
@media (max-width:720px){.menu-toggle{display:inline-flex;margin-left:auto}.site-header>.button{display:none}.site-header{flex-wrap:wrap;position:sticky}.mobile-nav{order:5;flex-basis:100%;background:var(--paper);border-top:1px solid var(--line);padding:7px 0 11px}.mobile-nav.is-open{display:grid}.offer-controls{margin-top:-18px;overflow:auto;flex-wrap:nowrap;padding-bottom:4px;scrollbar-width:none}.offer-controls::-webkit-scrollbar{display:none}.offer-filter{white-space:nowrap}.offer-card-art{height:152px}.offer-card .offer-symbol{margin-top:24px}}

/* source: featured.css */
.featured-badge{font-size:9px;text-transform:uppercase;letter-spacing:.11em;color:#715a35;background:var(--gold-soft);border:1px solid #d8bd86;border-radius:999px;padding:5px 8px;white-space:nowrap}
@media (max-width:520px){.featured-badge{font-size:8px;padding:5px 6px;letter-spacing:.08em}}
.calculator-directory{color:#756d61;font-size:12px;margin:-16px 0 30px}.calculator-directory .text-link{margin-left:5px}
.tool-search-note{color:#8b8376;font-size:11px;margin:10px 0 0}.tool-filters{display:flex;flex-wrap:wrap;gap:8px;margin:-28px 0 12px}.tool-filter{border:1px solid var(--line);background:transparent;color:#6e665b;border-radius:999px;padding:10px 13px;font:700 11px var(--sans);cursor:pointer;transition:background .2s,border-color .2s,color .2s,transform .2s}.tool-filter span{font-family:var(--serif);font-style:italic;color:var(--gold);margin-left:4px}.tool-filter:hover,.tool-filter:focus-visible{border-color:var(--gold);transform:translateY(-1px)}.tool-filter.is-active{background:var(--ink);border-color:var(--ink);color:var(--white)}.tool-filter.is-active span{color:var(--gold-soft)}.tool-saved-bar{display:flex;justify-content:space-between;align-items:center;gap:20px;border:1px solid #d8bd86;background:linear-gradient(100deg,#fbf3df,#fffaf0);padding:14px 16px;margin:0 0 16px}.tool-saved-bar[hidden]{display:none}.tool-saved-bar .eyebrow{margin:0 0 4px;color:#8d6d35;font-size:9px}.tool-saved-bar strong{display:block;font:600 19px var(--serif);color:var(--ink)}.tool-saved-bar small{display:block;margin-top:3px;color:#8b8376;font-size:10px}.tool-saved-actions{display:flex;align-items:center;gap:8px;flex-wrap:wrap}.tool-saved-action,.tool-saved-clear,.tool-save{border:1px solid var(--line);background:var(--white);color:var(--ink);font:700 10px var(--sans);letter-spacing:.02em;cursor:pointer;transition:background .2s,border-color .2s,color .2s,transform .2s}.tool-saved-action,.tool-saved-clear{padding:9px 11px}.tool-saved-action:hover,.tool-saved-action:focus-visible,.tool-saved-clear:hover,.tool-saved-clear:focus-visible,.tool-save:hover,.tool-save:focus-visible{border-color:var(--gold);transform:translateY(-1px)}.tool-saved-action[aria-pressed="true"]{background:var(--ink);border-color:var(--ink);color:var(--white)}.tool-saved-clear{background:transparent;color:#756d61}.tool-card-shell{min-width:0;display:flex;flex-direction:column}.tool-card-shell .guide-card{height:100%}.tool-card-shell.tool-card-hidden{display:none!important}.tool-save{width:100%;padding:10px 12px;border-top:0;color:#756d61;text-align:left}.tool-save span:first-child{font-size:15px;line-height:0;margin-right:7px;color:var(--gold)}.tool-save.is-saved{color:var(--ink);background:#fffaf0}.tool-save.is-saved span:first-child{color:#9d772f}.tool-filter-status{color:#8b8376;font-size:11px;margin:0 0 20px}.tool-card-hidden{display:none!important}@media (max-width:720px){.tool-filters{margin:-18px 0 12px;overflow:auto;flex-wrap:nowrap;padding-bottom:4px;scrollbar-width:none}.tool-filters::-webkit-scrollbar{display:none}.tool-filter{white-space:nowrap}.tool-saved-bar{align-items:flex-start;flex-direction:column;gap:12px}.tool-saved-actions{width:100%}}

/* source: desk-20260914-20.css */
.desk-section{background:#eee9e1;padding-bottom:95px}.desk-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:13px}.desk-lane{display:flex;flex-direction:column;min-height:300px;padding:22px;background:var(--white);border:1px solid #ddd5c9;color:var(--ink);text-decoration:none;transition:transform .2s,box-shadow .2s}.desk-lane:hover{transform:translateY(-5px);box-shadow:0 16px 26px rgba(38,31,20,.1)}.desk-lane-dark{background:var(--ink);color:var(--white);border-color:var(--ink)}.desk-number{font-size:10px;letter-spacing:.16em;color:#8d8476}.desk-icon{display:flex;align-items:center;justify-content:center;width:58px;height:58px;border:1px solid var(--gold);border-radius:50%;font-family:var(--serif);font-size:30px;color:var(--gold);margin:28px 0}.desk-lane h3{font-family:var(--serif);font-size:26px;font-weight:400;letter-spacing:-.04em;line-height:1.05;margin:0 0 11px}.desk-lane p{color:#736c61;font-size:13px;line-height:1.45;margin:0}.desk-lane-dark p{color:#bcb4a8}.desk-cta{font-size:11px;font-weight:800;margin-top:auto;padding-top:20px}.desk-lane-dark .desk-cta{color:var(--gold-soft)}.symbol-card{border:1px solid var(--gold);border-radius:7px;font-size:42px;height:58px;margin-top:61px}.roadmap-section{background:var(--white);padding-top:95px}.roadmap-grid{display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid var(--line)}.roadmap-grid>div{padding:25px 24px 10px 0;border-right:1px solid var(--line);margin-right:24px}.roadmap-grid>div:last-child{border-right:0;margin-right:0}.roadmap-grid span{font-family:var(--serif);font-style:italic;color:var(--gold);font-size:18px}.roadmap-grid h3{font-family:var(--serif);font-size:25px;font-weight:400;letter-spacing:-.04em;margin:22px 0 9px}.roadmap-grid p{font-size:13px;color:#746d62;line-height:1.45;margin:0}.roadmap-note{margin-top:34px}@media (max-width:1050px){.desk-grid{grid-template-columns:repeat(2,1fr)}.roadmap-grid{grid-template-columns:repeat(2,1fr);row-gap:25px}.roadmap-grid>div:nth-child(2){border-right:0;margin-right:0}}@media (max-width:720px){.desk-grid{grid-template-columns:1fr}.roadmap-section{padding-top:76px}.roadmap-grid{display:block}.roadmap-grid>div{border-right:0;border-bottom:1px solid var(--line);padding:24px 0;margin:0}.roadmap-grid>div:last-child{border-bottom:0}}
.calculator-section{background:#e9e1d5}.calculator-layout{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(300px,.75fr);gap:16px;align-items:stretch}.calculator-panel{background:var(--ink);color:var(--white);padding:32px;box-shadow:14px 14px 0 #d0c5b5}.calculator-panel-heading{display:flex;align-items:center;justify-content:space-between;gap:20px;margin-bottom:25px}.calculator-panel .eyebrow{color:var(--gold-soft);margin:0}.calculator-badge{border:1px solid #5e5547;color:var(--gold-soft);border-radius:999px;padding:7px 10px;font-size:10px;letter-spacing:.12em;text-transform:uppercase}.calculator-controls{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px 24px}.range-field{display:block;color:#cfc8bc;font-size:12px}.range-field>span{display:flex;align-items:baseline;justify-content:space-between;gap:14px}.range-field strong{font-size:12px;font-weight:600}.range-field output{color:var(--gold-soft);font-family:var(--serif);font-size:18px;white-space:nowrap}.range-field input{appearance:none;width:100%;height:4px;margin:14px 0 0;background:#4a4640;border-radius:999px;accent-color:var(--gold);cursor:pointer}.range-field input::-webkit-slider-thumb{appearance:none;width:18px;height:18px;border:3px solid var(--ink);border-radius:50%;background:var(--gold-soft);box-shadow:0 0 0 1px var(--gold);cursor:grab}.range-field input::-moz-range-thumb{width:14px;height:14px;border:3px solid var(--ink);border-radius:50%;background:var(--gold-soft);box-shadow:0 0 0 1px var(--gold);cursor:grab}.calculator-results{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:8px;margin-top:30px}.result-card{min-height:128px;background:#282622;border:1px solid #403c35;padding:15px;display:flex;flex-direction:column}.result-card span{color:#a9a196;font-size:10px;line-height:1.3}.result-card strong{font-family:var(--serif);font-size:24px;font-weight:400;letter-spacing:-.05em;margin:auto 0 5px;color:var(--white)}.result-card small{color:#90897e;font-size:10px;line-height:1.3}.result-card-accent{background:#392f20;border-color:#80643a}.result-card-accent strong{color:var(--gold-soft)}.calculator-callout{border-left:2px solid var(--gold);color:#e3d8c9;font-family:var(--serif);font-size:18px;line-height:1.25;margin-top:22px;padding:4px 0 4px 17px}.calculator-panel>.tiny-note{color:#918b80;line-height:1.45;margin-bottom:0}.calculator-art{min-height:560px;position:relative;overflow:hidden;background:#201c18}.calculator-art img{width:100%;height:100%;display:block;object-fit:cover}.calculator-art:after{content:"";position:absolute;inset:45% 0 0;background:linear-gradient(transparent,rgba(12,11,10,.76))}.calculator-art-note{position:absolute;z-index:2;left:24px;right:24px;bottom:24px;color:var(--white)}.calculator-art-note span{font-family:var(--serif);font-style:italic;color:var(--gold-soft);font-size:20px}.calculator-art-note strong{display:block;font-family:var(--serif);font-size:28px;font-weight:400;margin-top:10px}.calculator-art-note p{color:#d1c7b9;font-size:12px;max-width:220px;margin:8px 0 0}.symbol-car{border:1px solid var(--gold);border-radius:50%;font-size:24px}.business-feature{background:#161615;color:var(--white);display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);gap:clamp(34px,7vw,100px);align-items:center}.business-image{overflow:hidden;min-height:480px;background:#201c18}.business-image img{width:100%;height:100%;display:block;object-fit:cover}.business-copy .eyebrow{color:#b6aa98}.business-copy h2{font-size:clamp(45px,5vw,70px)}.business-copy>p:not(.eyebrow){color:#b4aea4;max-width:500px;margin:28px 0}.business-list{list-style:none;padding:0;margin:0 0 30px;border-top:1px solid #4d4941;max-width:500px}.business-list li{border-bottom:1px solid #4d4941;padding:13px 0;color:#d7d0c4;font-size:13px}.business-list span{color:var(--gold);font-family:var(--serif);font-style:italic;font-size:17px;display:inline-block;width:42px}.business-copy .button-primary{background:var(--white);color:var(--ink)}.business-copy .button-primary:hover{background:var(--gold-soft)}
@media (max-width:1050px){.calculator-layout{grid-template-columns:1fr}.calculator-art{min-height:340px}.calculator-results{grid-template-columns:repeat(2,1fr)}.business-feature{grid-template-columns:1fr}.business-image{min-height:360px}}
@media (max-width:720px){.calculator-panel{padding:24px 20px;box-shadow:9px 9px 0 #d0c5b5}.calculator-panel-heading{align-items:flex-start;flex-direction:column;gap:11px}.calculator-controls{grid-template-columns:1fr;gap:17px}.calculator-results{grid-template-columns:repeat(2,1fr);gap:7px}.result-card{min-height:118px;padding:12px}.result-card strong{font-size:21px}.calculator-callout{font-size:16px}.calculator-art{min-height:300px}.business-image{min-height:260px}.business-feature{gap:35px}}
.calculator-totals{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:8px;margin-top:10px}.calculator-totals>div{border:1px solid #403c35;background:#211f1c;padding:11px 13px;display:flex;align-items:baseline;justify-content:space-between;gap:12px}.calculator-totals span{color:#928a7d;font-size:10px}.calculator-totals strong{font-family:var(--serif);font-size:19px;font-weight:400;color:var(--gold-soft);white-space:nowrap}
@media (max-width:720px){.calculator-totals{grid-template-columns:1fr}.calculator-totals>div{align-items:flex-start;flex-direction:column;gap:5px}}
.range-field input{background:linear-gradient(90deg,var(--gold) 0 var(--range-progress,0%),#4a4640 var(--range-progress,0%) 100%)}
.comparison-bars{border-top:1px solid #403c35;margin-top:19px;padding-top:15px}.comparison-bar{margin-top:10px}.comparison-bar:first-child{margin-top:0}.comparison-bar-head{display:flex;align-items:baseline;justify-content:space-between;gap:12px;color:#a9a196;font-size:10px}.comparison-bar-head output{color:var(--gold-soft);font-family:var(--serif);font-size:17px}.comparison-bar-track{height:7px;background:#403c35;border-radius:999px;overflow:hidden;margin-top:7px}.comparison-bar-fill{height:100%;width:0;background:var(--gold);border-radius:inherit;transition:width .3s ease,background .3s ease}.comparison-bar-fill.is-alert{background:#b96f5a}.comparison-bar-note{color:#90897e;font-size:10px;line-height:1.4;margin:12px 0 0}
.calculator-actions{display:flex;align-items:center;gap:8px;flex-wrap:wrap;justify-content:flex-end}.calculator-reset,.calculator-share{border:1px solid #5e5547;background:transparent;color:#c9b998;border-radius:999px;padding:7px 10px;font:700 10px var(--sans);letter-spacing:.08em;text-transform:uppercase;cursor:pointer;transition:border-color .2s,color .2s,background .2s}.calculator-reset:hover,.calculator-reset:focus-visible,.calculator-share:hover,.calculator-share:focus-visible{border-color:var(--gold);color:var(--white);background:#2d2923}
.calculator-presets{display:grid;grid-template-columns:minmax(150px,.72fr) minmax(0,1.28fr);gap:18px;align-items:center;margin:-4px 0 25px;padding:14px 0;border-top:1px solid #403c35;border-bottom:1px solid #403c35}.calculator-presets .eyebrow{color:var(--gold-soft);margin:0 0 5px;font-size:9px}.calculator-presets p{color:#928a7d;font-size:10px;line-height:1.35;margin:0;max-width:220px}.calculator-preset-actions{display:flex;gap:7px;flex-wrap:wrap;justify-content:flex-end}.calculator-preset-actions button{border:1px solid #5e5547;background:#211f1c;color:#d8c8ad;border-radius:999px;padding:9px 11px;font:700 10px var(--sans);cursor:pointer;transition:border-color .2s,background .2s,color .2s,transform .2s}.calculator-preset-actions button:hover,.calculator-preset-actions button:focus-visible{border-color:var(--gold);color:var(--white);transform:translateY(-1px)}.calculator-preset-actions button[aria-pressed="true"]{background:var(--gold-soft);border-color:var(--gold-soft);color:var(--ink)}
@media (max-width:720px){.calculator-presets{display:block;margin:-2px 0 22px;padding:14px 0}.calculator-preset-actions{justify-content:flex-start;margin-top:12px}.calculator-preset-actions button{padding:8px 9px;font-size:9px}}
.hero-art picture{display:block;position:absolute;inset:0}.calculator-art picture,.business-image picture{display:block;width:100%;height:100%}
/* Process feature art */
.process-feature{display:grid;grid-template-columns:1.2fr .8fr;gap:14px;align-items:stretch;margin:0 0 54px}.process-feature-art{min-height:310px;overflow:hidden;background:#171615}.process-feature-art img{display:block;width:100%;height:100%;object-fit:cover;filter:saturate(.82)}.process-feature-copy{background:var(--ink);color:var(--white);padding:38px;display:flex;flex-direction:column;justify-content:flex-end}.process-feature-copy .eyebrow{color:var(--gold-soft)}.process-feature-copy h3{font-family:var(--serif);font-size:clamp(31px,3vw,47px);font-weight:400;line-height:1.02;letter-spacing:-.05em;margin:0 0 18px}.process-feature-copy p:not(.eyebrow){color:#beb8ad;max-width:390px;font-size:14px;margin:0}
@media (max-width:720px){.process-feature{display:block;margin-bottom:36px}.process-feature-art{min-height:240px}.process-feature-copy{padding:28px 24px 30px}.process-feature-copy h3{font-size:34px}}
.compound-insight{border-top:1px solid #403c35;margin-top:18px;padding-top:16px}.compound-insight-heading{display:flex;align-items:baseline;justify-content:space-between;gap:18px}.compound-insight-heading .eyebrow{color:var(--gold-soft);margin:0;font-size:9px}.compound-insight-heading strong{color:#e5ddd1;font-family:var(--serif);font-size:18px;font-weight:400}.compound-insight-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:7px;margin-top:14px}.compound-insight-grid>div{background:#211f1c;border:1px solid #403c35;padding:11px 12px;min-height:76px;display:flex;flex-direction:column}.compound-insight-grid span{color:#928a7d;font-size:9px;line-height:1.25}.compound-insight-grid strong{color:var(--gold-soft);font-family:var(--serif);font-size:19px;font-weight:400;margin:auto 0 3px}.compound-insight-grid small{color:#90897e;font-size:9px;line-height:1.25}.compound-insight-copy{color:#aaa298;font-size:10px;line-height:1.45;margin:12px 0 0;max-width:650px}
@media (max-width:720px){.compound-insight-heading{display:block}.compound-insight-heading strong{display:block;margin-top:6px;font-size:17px}.compound-insight-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
.utilization-section{background:#e9e1d5}.utilization-layout{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(300px,.85fr);gap:16px;align-items:stretch}.utilization-panel{min-height:540px}.utilization-panel .calculator-panel-heading{margin-bottom:32px}.utilization-panel .calculator-controls{grid-template-columns:repeat(2,minmax(0,1fr));margin-top:12px}.utilization-results{margin-top:30px;border-top:1px solid #403c35;padding-top:18px}.utilization-meter{height:11px;background:#403c35;border-radius:999px;overflow:hidden;margin:14px 0 8px}.utilization-meter-fill{display:block;height:100%;width:2%;background:var(--gold);border-radius:inherit;transition:width .3s ease,background .3s ease}.utilization-meter-fill.is-alert{background:#b96f5a}.utilization-meter-scale{display:flex;justify-content:space-between;color:#90897e;font-size:9px}.utilization-summary{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:8px;margin-top:20px}.utilization-summary>div{background:#211f1c;border:1px solid #403c35;padding:13px;min-height:92px;display:flex;flex-direction:column}.utilization-summary span{color:#928a7d;font-size:9px;line-height:1.3}.utilization-summary strong{color:var(--gold-soft);font-family:var(--serif);font-size:23px;font-weight:400;margin:auto 0 0}.utilization-status{color:#e5ddd1;font-family:var(--serif);font-size:20px;margin:20px 0 6px}.utilization-copy{color:#aaa298;font-size:11px;line-height:1.5;max-width:660px;margin:0}.utilization-reset{margin-top:18px}.utilization-art{min-height:540px}
@media (max-width:1050px){.utilization-layout{grid-template-columns:1fr}.utilization-art{min-height:340px}}
@media (max-width:720px){.utilization-panel{min-height:0}.utilization-panel .calculator-controls{grid-template-columns:1fr}.utilization-summary{grid-template-columns:1fr 1fr}.utilization-summary>div:last-child{grid-column:1/-1}.utilization-art{min-height:300px}.utilization-status{font-size:18px}}

/* Roadmap editorial feature */
.roadmap-layout{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(320px,.85fr);gap:16px;align-items:stretch}.roadmap-grid{height:100%;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.roadmap-grid>div:nth-child(2){border-right:0;margin-right:0}.roadmap-grid>div:nth-child(n+3){border-top:1px solid var(--line)}.roadmap-art{min-height:410px;position:relative;overflow:hidden;background:#201c18}.roadmap-art picture{display:block;width:100%;height:100%}.roadmap-art img{display:block;width:100%;height:100%;object-fit:cover}.roadmap-art:after{content:"";position:absolute;inset:42% 0 0;background:linear-gradient(transparent,rgba(10,9,8,.78))}.roadmap-art-note{position:absolute;z-index:2;left:24px;right:24px;bottom:22px;color:var(--white)}.roadmap-art-note span{font-family:var(--serif);font-style:italic;color:var(--gold-soft);font-size:20px}.roadmap-art-note strong{display:block;font-family:var(--serif);font-size:26px;font-weight:400;line-height:1.05;margin-top:8px}.roadmap-art-note p{color:#d1c7b9;font-size:11px;line-height:1.4;max-width:245px;margin:8px 0 0}.roadmap-note{max-width:760px}
@media (max-width:1050px){.roadmap-layout{grid-template-columns:1fr}.roadmap-art{min-height:330px}.roadmap-grid{min-height:410px}}
@media (max-width:720px){.roadmap-layout{display:flex;flex-direction:column}.roadmap-grid{display:block;min-height:0}.roadmap-grid>div,.roadmap-grid>div:nth-child(n+3){border-top:0;border-bottom:1px solid var(--line)}.roadmap-grid>div:last-child{border-bottom:0}.roadmap-art{min-height:300px;order:-1}.roadmap-note{margin-top:28px}}

/* Twelve-payment lens for the borrowing comparison */
.compound-year-lens{border-top:1px solid #403c35;margin-top:18px;padding-top:16px}.compound-year-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:7px;margin-top:14px}.compound-year-grid>div{background:#211f1c;border:1px solid #403c35;padding:11px 12px;min-height:76px;display:flex;flex-direction:column}.compound-year-grid span{color:#928a7d;font-size:9px;line-height:1.25}.compound-year-grid strong{color:var(--gold-soft);font-family:var(--serif);font-size:19px;font-weight:400;margin:auto 0 3px}.compound-year-grid small{color:#90897e;font-size:9px;line-height:1.25}
.compound-static-note{color:#aaa298;font-size:11px;line-height:1.5;max-width:660px;margin:14px 0 0}
.range-field-budget{grid-column:1/-1;border-top:1px solid #403c35;padding-top:18px}
.budget-checkpoint{position:relative}
.budget-checkpoint strong{color:var(--gold-soft)}
.budget-checkpoint small{display:block;color:#928a7d;font-size:10px;line-height:1.3;margin-top:5px}
.calculator-explore{color:#756d61;font-size:12px;margin:-36px 0 28px}
.calculator-explore .text-link{margin-left:5px}
.calculator-explore[aria-label="Continue the review"]{display:grid;grid-template-columns:minmax(190px,.55fr) minmax(0,1.45fr);gap:18px;align-items:center;margin:-10px 0 28px;padding:18px 20px;border:1px solid #d8cdbd;background:rgba(255,255,255,.48)}
.calculator-explore-intro .eyebrow{margin:0 0 6px;color:#8d6d35;font-size:9px}
.calculator-explore-intro p:last-child{margin:0;max-width:185px;color:#756d61;font:italic 16px/1.18 var(--serif)}
.calculator-link-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:7px}
.calculator-link-card{display:flex;align-items:center;gap:9px;min-height:56px;padding:10px 11px;border:1px solid #ded5c8;background:rgba(255,255,255,.68);color:var(--ink);text-decoration:none;transition:transform .2s ease,border-color .2s ease,background .2s ease}
.calculator-link-card:hover,.calculator-link-card:focus-visible{border-color:var(--gold);background:#fffaf0;transform:translateY(-2px)}
.calculator-link-index{color:#a78346;font:italic 16px var(--serif);line-height:1}
.calculator-link-card strong{display:block;font-size:10px;line-height:1.2;letter-spacing:.01em}
.calculator-link-card small{display:block;margin-top:4px;color:#8b8376;font-size:9px;line-height:1.2}
.calculator-link-arrow{margin-left:auto;color:#8d6d35;font-size:14px}
@media (max-width:1050px){.calculator-explore[aria-label="Continue the review"]{grid-template-columns:1fr}.calculator-explore-intro p:last-child{max-width:360px}.calculator-link-grid{grid-template-columns:repeat(4,minmax(0,1fr))}}
@media (max-width:720px){.calculator-explore[aria-label="Continue the review"]{display:block;margin:-8px 0 24px;padding:16px}.calculator-explore-intro{margin-bottom:14px}.calculator-link-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.calculator-link-card{min-height:62px;padding:9px}.calculator-link-card strong{font-size:9px}.calculator-link-card small{font-size:8px}}
.tool-search{display:flex;align-items:center;gap:14px;max-width:760px;margin:0 0 15px;padding:12px 14px;border:1px solid var(--line);background:rgba(255,255,255,.66)}.tool-search label{color:#6f685d;font-size:10px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;white-space:nowrap}.tool-search input{min-width:0;flex:1;border:0;border-bottom:1px solid #bcb3a5;background:transparent;color:var(--ink);font:16px var(--serif);padding:5px 0;outline:0}.tool-search input::placeholder{color:#9a9184}.tool-search input:focus{border-bottom-color:var(--ink)}
.fee-guardrail{display:grid;grid-template-columns:auto minmax(0,1fr) minmax(0,1.5fr);align-items:baseline;gap:12px;margin-top:10px;padding:12px 14px;border:1px solid #80643a;background:#30291f;color:#d8c8ad}.fee-guardrail .eyebrow{color:var(--gold-soft);margin:0;font-size:9px;white-space:nowrap}.fee-guardrail strong{color:var(--gold-soft);font-family:var(--serif);font-size:20px;font-weight:400;white-space:nowrap}.fee-guardrail small{color:#aaa298;font-size:10px;line-height:1.35}@media (max-width:720px){.fee-guardrail{grid-template-columns:1fr 1fr;gap:6px 12px}.fee-guardrail .eyebrow{grid-column:1/-1}.fee-guardrail small{grid-column:1/-1}}

/* Image-led goal lanes: make the first decision point as visual as the offer grid. */
.desk-lane-art{display:block;height:92px;margin:-22px -22px 20px;overflow:hidden;background:#201c18}
.desk-lane-art img{display:block;width:100%;height:100%;object-fit:cover;filter:saturate(.78);transition:transform .45s ease}
.filter-empty-state{margin:18px 0 24px;padding:18px 20px;border:1px solid var(--line);background:rgba(255,255,255,.56);color:#6f685d;font-size:13px}.filter-empty-state[hidden]{display:none}.filter-empty-state button{border:0;border-bottom:1px solid var(--gold);background:transparent;color:var(--ink);font:700 13px var(--sans);padding:0;cursor:pointer}.filter-empty-state button:hover,.filter-empty-state button:focus-visible{color:var(--gold);border-bottom-color:var(--ink)}
.desk-lane:hover .desk-lane-art img{transform:scale(1.045)}
@media (max-width:720px){.desk-lane-art{height:128px}}
@media (min-width:1051px) and (max-width:1180px){.desk-grid{grid-template-columns:repeat(3,minmax(0,1fr))}}@media (min-width:1181px){.desk-grid{grid-template-columns:repeat(5,minmax(0,1fr))}}
.fee-guardrail{grid-template-columns:repeat(2,minmax(0,1fr))}.fee-guardrail-item{display:grid;grid-template-columns:auto minmax(0,1fr);align-items:baseline;gap:8px 12px;min-width:0}.fee-guardrail-item .eyebrow{grid-column:1/-1}.fee-guardrail-item small{grid-column:1/-1}@media (max-width:720px){.fee-guardrail{grid-template-columns:1fr}.fee-guardrail-item{grid-template-columns:1fr 1fr;gap:6px 12px}}
.calculator-layout>*{min-width:0}
.calculator-art picture{min-width:0;max-width:100%}.calculator-art img{max-width:100%}

/* source: guides.css */
.guide-page{max-width:1400px;margin:0 auto}.guide-breadcrumb{display:flex;gap:12px;padding:24px clamp(22px,7.5vw,120px) 0;color:#847b6d;font-size:11px}.guide-breadcrumb a{color:inherit}.guide-hero{padding:clamp(56px,8vw,110px) clamp(22px,7.5vw,120px) 100px;display:grid;grid-template-columns:minmax(0,1fr) minmax(360px,.9fr);gap:clamp(34px,8vw,130px);align-items:center}.guide-hero h1{font-family:var(--serif);font-weight:400;font-size:clamp(52px,6.4vw,92px);line-height:.96;letter-spacing:-.07em;margin:0}.guide-hero h1 em,.guide-page h2 em{font-style:italic;color:#77716a}.guide-dek{max-width:590px;color:var(--ink-soft);font-size:18px;line-height:1.55;margin:30px 0 30px}.guide-hero-image{overflow:hidden;height:460px;min-height:0;background:#201c18;box-shadow:16px 16px 0 #d0c5b5}.guide-hero-image img{width:100%;height:100%;display:block;object-fit:cover}.guide-answer{background:#eee9e1;padding:clamp(62px,8vw,110px) clamp(22px,12vw,190px)}.guide-answer h2{font-family:var(--serif);font-size:clamp(39px,4.6vw,68px);font-weight:400;line-height:1;letter-spacing:-.06em;max-width:850px;margin:0 0 26px}.guide-answer>p:not(.eyebrow){max-width:760px;color:#625c53;font-size:16px}.guide-facts{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;border-top:1px solid #cec5b8;margin-top:48px;padding-top:21px}.guide-facts div{padding-right:24px;border-right:1px solid #cec5b8}.guide-facts div:last-child{border-right:0}.guide-facts span{font-family:var(--serif);font-style:italic;color:var(--gold);font-size:18px}.guide-facts strong{display:block;font-family:var(--serif);font-size:27px;font-weight:400;margin:18px 0 6px}.guide-facts p{margin:0;color:#746d62;font-size:13px}.guide-columns{padding:clamp(62px,8vw,110px) clamp(22px,12vw,190px);display:grid;grid-template-columns:1fr 1fr;gap:16px}.guide-columns article{padding:34px;background:#fffdf9;border:1px solid #ded7cc}.guide-columns article h2{font-family:var(--serif);font-size:clamp(34px,3vw,48px);line-height:1;letter-spacing:-.05em;font-weight:400;margin:0 0 20px}.guide-columns article p:not(.eyebrow){color:#686158;font-size:15px}.guide-columns ul{padding-left:20px;color:#686158;font-size:14px}.guide-columns li{margin:11px 0}.guide-dark-card{background:var(--ink)!important;border-color:var(--ink)!important;color:var(--white)}.guide-dark-card .eyebrow{color:#b6aa98}.guide-dark-card h2{color:var(--white)}.guide-dark-card p:not(.eyebrow){color:#b4aea4!important}.guide-dark-card .light-link{color:var(--gold-soft);display:inline-block;margin-top:15px}.guide-cta{margin:0 clamp(22px,7.5vw,120px);padding:45px 50px;background:var(--gold);display:flex;align-items:center;justify-content:space-between;gap:28px}.guide-cta h2{font-family:var(--serif);font-size:clamp(37px,4.4vw,62px);font-weight:400;line-height:.98;letter-spacing:-.06em;margin:0}.guide-cta .eyebrow{color:#715a35;margin-bottom:14px}.guide-offers{padding:clamp(70px,8vw,120px) clamp(22px,7.5vw,120px)}.guide-offer-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:13px}.guide-offer-grid article{background:#fffdf9;border:1px solid #ded7cc;padding:26px;min-height:240px;display:flex;flex-direction:column}.guide-offer-grid h3{font-family:var(--serif);font-size:31px;font-weight:400;letter-spacing:-.05em;margin:28px 0 10px}.guide-offer-grid p{color:#6c665d;font-size:14px}.guide-offer-grid .card-link{margin-top:auto}.guide-faq{padding:0 clamp(22px,12vw,190px) 110px}.guide-faq details{border-top:1px solid var(--line);padding:21px 0}.guide-faq details:last-child{border-bottom:1px solid var(--line)}.guide-faq p{max-width:720px;color:#70695f;font-size:14px;margin:14px 35px 2px 0}@media (max-width:800px){.guide-hero{grid-template-columns:1fr;padding-bottom:75px}.guide-hero-image{height:320px;min-height:0;order:-1}.guide-facts,.guide-columns,.guide-offer-grid{grid-template-columns:1fr}.guide-facts{gap:0}.guide-facts div{border-right:0;border-bottom:1px solid #cec5b8;padding:18px 0}.guide-facts div:last-child{border-bottom:0}.guide-columns{padding-left:22px;padding-right:22px}.guide-cta{margin:0 22px;display:block;padding:34px 27px}.guide-cta .button{margin-top:28px}.guide-offers{padding-left:22px;padding-right:22px}.guide-breadcrumb{padding-left:22px;padding-right:22px}}
.guides-section{background:#f5f2ec}.guides-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:13px}.guide-card{min-height:420px;background:#fffdf9;border:1px solid #ded7cc;color:var(--ink);text-decoration:none;display:flex;flex-direction:column;overflow:hidden;transition:transform .2s,box-shadow .2s}.guide-card:hover{transform:translateY(-5px);box-shadow:0 16px 30px rgba(38,31,20,.12)}.guide-card>img{width:100%;height:180px;display:block;object-fit:cover}.guide-card-body{padding:22px;display:flex;flex-direction:column;flex:1}.guide-card-body strong{font-family:var(--serif);font-size:29px;font-weight:400;line-height:1.02;letter-spacing:-.05em;margin:25px 0 10px}.guide-card-body small{color:#71695f;font-size:12px;line-height:1.45}.guide-card-link{font-size:11px;font-weight:800;margin-top:auto;padding-top:24px}.guide-card-dark{background:var(--ink);color:var(--white);border-color:var(--ink)}.guide-card-dark .guide-card-body small{color:#b4aea4}.guide-card-dark .guide-card-link{color:var(--gold-soft)}
@media (max-width:1050px){.guides-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.guide-card:last-child{grid-column:span 2}}
@media (max-width:800px){.guides-grid{grid-template-columns:1fr}.guide-card:last-child{grid-column:auto}}
.guides-section .guides-grid>.guide-card:last-child{grid-column:1/-1;display:grid;grid-template-columns:minmax(0,1.08fr) minmax(0,.92fr);min-height:300px}.guides-section .guides-grid>.guide-card:last-child>img{height:100%;min-height:300px}.guides-section .guides-grid>.guide-card:last-child .guide-card-body{justify-content:center;padding:38px}.guides-section .guides-grid>.guide-card:last-child .guide-card-body strong{font-size:clamp(31px,3.4vw,48px);max-width:540px}
@media (max-width:800px){.guides-section .guides-grid>.guide-card:last-child{display:flex;grid-column:auto}.guides-section .guides-grid>.guide-card:last-child>img{height:180px;min-height:0}.guides-section .guides-grid>.guide-card:last-child .guide-card-body{padding:22px}.guides-section .guides-grid>.guide-card:last-child .guide-card-body strong{font-size:29px}}
.related-guides{background:#eee9e1}.related-guides .section-heading{margin-bottom:34px}.related-guides .section-intro{max-width:330px}.related-guides .guide-card{min-height:315px}.related-guides .guide-card>img{height:145px}.related-guides .guide-card-body{padding:18px 20px}.related-guides .guide-card-body strong{font-size:25px;margin:16px 0 8px}.related-guides .guide-card-link{padding-top:18px}
.tool-strip{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(320px,.95fr);gap:clamp(28px,6vw,90px);align-items:stretch;background:#eee9e1}.tool-strip-copy{padding:clamp(28px,4vw,62px);display:flex;flex-direction:column;justify-content:center}.tool-strip-copy h2{font-family:var(--serif);font-size:clamp(38px,4.4vw,64px);font-weight:400;line-height:.98;letter-spacing:-.06em;margin:0 0 20px}.tool-strip-copy h2 em{font-style:italic;color:#77716a}.tool-strip-copy p:not(.eyebrow){max-width:550px;color:#686158;font-size:15px;line-height:1.55}.tool-strip-copy .button{align-self:flex-start;margin-top:14px}.tool-strip-art{display:block;min-height:330px;overflow:hidden;background:#201c18}.tool-strip-art img{display:block;width:100%;height:100%;object-fit:cover;transition:transform .35s ease}.tool-strip-art:hover img,.tool-strip-art:focus-visible img{transform:scale(1.03)}
@media (max-width:800px){.tool-strip{grid-template-columns:1fr;gap:0}.tool-strip-copy{padding:34px 22px}.tool-strip-art{min-height:260px}.tool-strip-copy .button{align-self:stretch;text-align:center}}
.terms-layout{display:grid;grid-template-columns:220px minmax(0,1fr);gap:clamp(34px,7vw,110px);align-items:start;background:#f5f2ec}.terms-index{position:sticky;top:108px;display:flex;flex-direction:column;gap:11px;padding-top:8px}.terms-index a{color:#655e54;text-decoration:none;font-size:13px;border-bottom:1px solid transparent;width:max-content}.terms-index a:hover,.terms-index a:focus-visible{color:var(--ink);border-color:var(--gold)}.terms-list .compact-heading{margin-bottom:34px}.term-card{display:grid;grid-template-columns:45px minmax(0,1fr);gap:17px;border-top:1px solid var(--line);padding:27px 0 29px}.term-card:last-child{border-bottom:1px solid var(--line)}.term-card>span{font-family:var(--serif);font-style:italic;color:var(--gold);font-size:18px}.term-card h3{font-family:var(--serif);font-size:32px;font-weight:400;line-height:1;letter-spacing:-.05em;margin:0 0 10px}.term-card p{color:#686158;font-size:14px;line-height:1.55;margin:0;max-width:700px}
@media (max-width:800px){.terms-layout{display:block}.terms-index{position:static;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px 18px;border-bottom:1px solid var(--line);padding:0 0 24px;margin-bottom:60px}.terms-index .eyebrow{grid-column:1/-1;margin-bottom:3px}.term-card{grid-template-columns:33px minmax(0,1fr);gap:10px}.term-card h3{font-size:29px}}
.source-note{max-width:760px;margin:24px 0 0;padding:16px 18px;border-left:2px solid var(--gold);background:rgba(255,253,249,.58);color:#6d665d;font-size:12px;line-height:1.55}.source-note strong{color:var(--ink);font-weight:750}.source-note a{color:var(--ink);font-weight:750;text-underline-offset:3px}

/* source: calculator-art-20260914-1.css */
/* Keep the still-life focal objects visible when a wide editorial image fills the tall calculator column. */
.calculator-art > picture > img{object-position:86% center}

/* source: accessibility-20260915-2.css */
/* Targeted contrast corrections for the shared editorial system. */
.desk-number,
.offer-filter-status,
.affiliate-note,
.calculator-link-card small,
.offer-card small { color: #675f53; }
.desk-lane-dark .desk-number,
.dark-card small { color: #d0c3aa; }
.section-intro,
.calculator-explore,
.calculator-explore-intro p:last-child,
.calculator-directory { color: #625b50; }
.calculator-section .eyebrow,
.matcher-section .eyebrow { color: #625a4e; }
.calculator-panel .eyebrow { color: #eadab6; }
.calculator-explore-intro .eyebrow,
.calculator-link-arrow,
.calculator-link-index,
.roadmap-grid span,
.process-number { color: #765a2a; }
.result-card small,
.comparison-bar-note,
.compound-insight-grid small,
.utilization-meter-scale,
.compound-year-grid small { color: #c8bba7; }
.tiny-note,
.matcher-copy p:not(.eyebrow):not(.tiny-note) { color: #645c50; }
.editorial-mark { color: #806f56; }
.final-cta .eyebrow { color: #3d2b18; }
.final-cta h2 em { color: #2f251d; }
.concierge-promo{background:#e8e1d6;display:grid;grid-template-columns:minmax(0,1.15fr) minmax(260px,.85fr);gap:16px;align-items:stretch}.concierge-promo-copy{padding:16px 0}.concierge-promo-copy h2{font-family:var(--serif);font-size:clamp(42px,5vw,72px);line-height:.98;letter-spacing:-.06em;font-weight:400;margin:0 0 22px}.concierge-promo-copy h2 em{font-style:italic;color:#77716a}.concierge-promo-copy p:not(.eyebrow){max-width:570px;color:#5f594f;font-size:16px}.concierge-promo-copy small{display:block;margin-top:14px;color:#766e62;font-size:11px}.concierge-promo-card{background:var(--ink);color:var(--white);padding:clamp(28px,4vw,48px);display:flex;flex-direction:column;justify-content:center;min-height:290px}.concierge-promo-card span{font-family:var(--serif);font-size:82px;line-height:.9;color:var(--gold-soft)}.concierge-promo-card strong{font-family:var(--serif);font-size:28px;font-weight:400;margin:18px 0 8px}.concierge-promo-card p{color:#c2b9aa;font-size:13px;line-height:1.5;max-width:340px}.concierge-promo-card .text-link{margin-top:16px}@media (max-width:800px){.concierge-promo{grid-template-columns:1fr}.concierge-promo-copy{padding:0}}
.concierge-page .guide-hero{padding-bottom:78px}.concierge-hero .guide-dek{max-width:650px}.concierge-answer{background:#e8e1d6}.concierge-request-section{padding-top:clamp(68px,8vw,118px)}.concierge-layout{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(260px,.8fr);gap:16px;align-items:start}.concierge-form{background:#fffdf9;border:1px solid #ded7cc;padding:clamp(22px,4vw,44px);display:flex;flex-direction:column;gap:20px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}.concierge-form label{display:flex;flex-direction:column;gap:8px;color:#4f4941;font-size:12px;font-weight:700}.concierge-form label>span{font-size:11px;letter-spacing:.03em}.concierge-form input,.concierge-form select,.concierge-form textarea{width:100%;border:1px solid #cfc5b7;border-radius:2px;background:#fbf8f2;color:var(--ink);font:15px var(--sans);padding:12px 13px;outline:0}.concierge-form textarea{resize:vertical;min-height:130px;line-height:1.5}.concierge-form input:focus,.concierge-form select:focus,.concierge-form textarea:focus{border-color:var(--ink);box-shadow:0 0 0 3px rgba(184,147,85,.2)}.form-full{grid-column:1/-1}.form-check{flex-direction:row!important;align-items:flex-start;gap:11px!important;font-weight:400!important;color:#665f55!important;line-height:1.5}.form-check input{width:18px;margin-top:2px;accent-color:var(--ink)}.form-trap{position:absolute!important;left:-10000px;width:1px!important;height:1px;overflow:hidden}.concierge-form button[disabled]{opacity:.55;cursor:wait;transform:none}.form-status{margin:0;color:#6d655b;font-size:12px;line-height:1.5}.form-status[data-state="success"]{color:#285942}.form-status[data-state="error"]{color:#8a392d}.form-status[data-state="pending"]{color:#765a2a}.concierge-aside{display:grid;gap:16px}.concierge-fee-card{background:var(--ink);color:var(--white);padding:30px;min-height:260px;display:flex;flex-direction:column;justify-content:center}.concierge-fee-card .eyebrow{color:#d6c39d;margin-bottom:18px}.concierge-fee-card strong{font-family:var(--serif);font-size:76px;line-height:1;font-weight:400;color:var(--gold-soft)}.concierge-fee-card>span{font-family:var(--serif);font-size:22px;line-height:1.05;margin-top:13px}.concierge-fee-card small{color:#c2b9aa;font-size:11px;line-height:1.5;margin-top:25px}.concierge-boundary{padding:30px!important;min-height:260px}.concierge-boundary h3{font-family:var(--serif);font-size:31px;line-height:1;margin:0 0 16px}.concierge-boundary p:not(.eyebrow){font-size:14px;line-height:1.55}.concierge-boundary .text-link{display:inline-block;margin-top:12px}@media (max-width:800px){.concierge-layout{grid-template-columns:1fr}.form-grid{grid-template-columns:1fr}.form-full{grid-column:auto}.concierge-fee-card,.concierge-boundary{min-height:0}}