:root {
  --font-display: 'Fraunces', Georgia, serif;
  --font-body: 'Source Serif 4', Georgia, serif;
  --font-mono: 'JetBrains Mono', 'Courier New', monospace;
  --cream: #fffefb;
  --cream-2: #f5f0e8;
  --ink: #0d2b2b;
  --ink-soft: rgba(13, 43, 43, .72);
  --ink-faint: rgba(13, 43, 43, .52);
  --teal: #0d3d3d;
  --gold: #c4a96a;
  --gold-dark: #8e6f3a;
  --line: rgba(13, 43, 43, .16);
  --line-light: rgba(255, 254, 251, .14);
}
* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; max-width: 100%; overflow-x: hidden; }
body { background: var(--cream); color: var(--ink); font-family: var(--font-body); -webkit-font-smoothing: antialiased; max-width: 100%; overflow-x: hidden; }
a { color: inherit; }
.site-nav { background: var(--ink); border-bottom: 1px solid var(--line-light); position: sticky; top: 0; z-index: 10; }
.site-nav-inner { max-width: 1440px; margin: 0 auto; padding: 16px 32px; display: flex; align-items: center; gap: 24px; }
.site-nav-logo { display: flex; align-items: center; gap: 10px; text-decoration: none; color: var(--cream); font-family: var(--font-display); font-size: 18px; white-space: nowrap; }
.site-nav-mark { width: 28px; height: 28px; display: block; flex-shrink: 0; }
.site-nav-links { display: flex; gap: 28px; margin-left: auto; }
.site-nav-links a, .site-nav-actions a { font-family: var(--font-mono); font-size: 11px; letter-spacing: .1em; color: rgba(255,254,251,.72); text-decoration: none; text-transform: lowercase; white-space: nowrap; }
.site-nav-actions { display: flex; align-items: center; gap: 16px; margin-left: 8px; }
.site-nav-cta { background: var(--gold); color: var(--ink) !important; padding: 10px 20px; text-transform: uppercase !important; letter-spacing: .12em !important; }
.container { width: 100%; max-width: 1180px; margin: 0 auto; padding: 0 32px; }
.hero { padding: 92px 0 72px; border-bottom: 1px solid var(--line); }
.kicker, .eyebrow, .article-meta, .breadcrumb, .table-label { font-family: var(--font-mono); font-size: 11px; letter-spacing: .16em; text-transform: uppercase; }
.kicker, .eyebrow { color: var(--gold-dark); }
.breadcrumb { color: var(--ink-faint); margin-bottom: 52px; }
.breadcrumb a { text-decoration: none; }
h1 { margin-top: 22px; max-width: 900px; font-family: var(--font-display); font-size: clamp(48px, 7vw, 92px); font-weight: 400; line-height: .96; letter-spacing: 0; overflow-wrap: anywhere; }
.lede { margin-top: 28px; max-width: 720px; color: var(--ink-soft); font-size: clamp(19px, 1.6vw, 24px); line-height: 1.55; }
.article-meta { margin-top: 24px; color: var(--ink-faint); }
.article-shell { max-width: 760px; margin: 0 auto; padding: 64px 32px 104px; }
.article-body { font-size: 19px; line-height: 1.78; color: var(--ink-soft); }
.article-body h2 { margin-top: 56px; margin-bottom: 14px; color: var(--ink); font-family: var(--font-display); font-size: clamp(32px, 4vw, 46px); font-weight: 400; line-height: 1.08; letter-spacing: 0; overflow-wrap: anywhere; }
.article-body h3 { margin-top: 34px; margin-bottom: 10px; color: var(--ink); font-size: 22px; line-height: 1.25; }
.article-body p, .article-body ul, .article-body ol { margin-bottom: 22px; }
.article-body ul, .article-body ol { padding-left: 24px; }
.article-body li { margin-bottom: 10px; }
.article-body strong { color: var(--ink); }
.article-body a { color: var(--ink); text-decoration: underline; text-decoration-color: var(--gold); text-underline-offset: 4px; }
.note, .source-box, .author-box, .related-posts, .cta-box { border-top: 1px solid var(--line); margin-top: 36px; padding-top: 24px; }
.note { color: var(--ink-soft); font-size: 16px; }
.source-box ul, .related-posts ul { list-style: none; padding-left: 0; }
.source-box li, .related-posts li { margin-bottom: 8px; }
.cta-box { background: var(--ink); color: var(--cream-2); margin-top: 56px; padding: 34px; border-top: 0; }
.cta-box p { color: rgba(255,254,251,.76); }
.cta-box a, .button { display: inline-block; margin-top: 14px; background: var(--gold); color: var(--ink); padding: 13px 24px; font-family: var(--font-mono); font-size: 11px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; text-decoration: none; }
.grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 1px; background: var(--line); margin-top: 56px; }
.card { background: var(--cream); min-height: 320px; padding: 32px; display: flex; flex-direction: column; }
.card h2, .card h3 { font-family: var(--font-display); font-weight: 400; line-height: 1.08; letter-spacing: 0; overflow-wrap: anywhere; }
.card h2 { margin-top: 24px; font-size: clamp(28px, 3vw, 40px); }
.card h3 { margin-top: 16px; font-size: 28px; }
.card p { margin-top: 18px; color: var(--ink-soft); line-height: 1.65; flex: 1; }
.card a { margin-top: 24px; font-family: var(--font-mono); font-size: 11px; letter-spacing: .14em; text-transform: uppercase; color: var(--ink); text-decoration: underline; text-decoration-color: var(--gold); text-underline-offset: 5px; }
.comparison-table, .calc-panel, .bank-guide { margin-top: 34px; border: 1px solid var(--line); }
.comparison-row { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1.2fr) minmax(0, 1.2fr); border-top: 1px solid var(--line); }
.comparison-row:first-child { border-top: 0; background: var(--ink); color: var(--cream); }
.comparison-row > div { padding: 18px; border-left: 1px solid var(--line); }
.comparison-row > div:first-child { border-left: 0; }
.calc-panel { padding: 28px; background: var(--cream-2); }
.calc-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px; }
label { display: block; font-family: var(--font-mono); font-size: 11px; letter-spacing: .14em; text-transform: uppercase; color: var(--ink-faint); margin-bottom: 8px; }
input, select { width: 100%; border: 1px solid var(--line); background: var(--cream); color: var(--ink); padding: 14px 16px; font: 18px var(--font-body); }
.calc-result { margin-top: 22px; display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 1px; background: var(--line); }
.calc-result div { background: var(--cream); padding: 18px; }
.calc-result span { display: block; color: var(--ink-faint); font-family: var(--font-mono); font-size: 10px; letter-spacing: .14em; text-transform: uppercase; }
.calc-result strong { display: block; margin-top: 8px; color: var(--ink); font-size: 28px; }
.bank-guide { padding: 28px; }
.bank-guide h2 { margin-top: 0; }
.footer { background: var(--ink); color: var(--cream); padding: 64px 40px 32px; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr; gap: 48px; }
.brand { font-family: var(--font-display); font-size: 22px; }
.footer-brand { display: flex; align-items: center; gap: 12px; margin-bottom: 14px; }
.footer-brand img { display: block; flex-shrink: 0; }
.footer-tagline { color: rgba(255,254,251,.62); font-size: 14px; max-width: 260px; line-height: 1.6; margin-top: 18px; }
.footer-col h4 { font-family: var(--font-mono); font-size: 10px; letter-spacing: .18em; text-transform: uppercase; color: rgba(255,254,251,.55); margin-bottom: 18px; }
.footer-col ul { list-style: none; }
.footer-col li { margin-bottom: 12px; }
.footer-col a { color: rgba(255,254,251,.82); text-decoration: none; font-size: 14px; }
.footer-edition { display: flex; flex-wrap: wrap; gap: 12px; justify-content: center; font-family: var(--font-mono); font-size: 10px; letter-spacing: .16em; text-transform: uppercase; color: rgba(255,254,251,.5); padding-top: 32px; border-top: 1px solid rgba(255,254,251,.1); margin-top: 48px; }
@media (max-width: 900px) {
  .site-nav-links, .site-nav-actions { display: none; }
  .grid, .footer-grid, .calc-grid, .calc-result, .comparison-row { grid-template-columns: 1fr; }
  .comparison-row > div { border-left: 0; border-top: 1px solid var(--line); }
  .comparison-row:first-child > div:first-child { border-top: 0; }
  .hero { padding-top: 64px; }
  .article-shell { padding-inline: 24px; }
}
@media (max-width: 560px) {
  .site-nav-inner { padding-inline: 24px; }
  .container { padding-inline: 24px; }
  .hero { padding: 56px 0 60px; }
  .breadcrumb { margin-bottom: 42px; }
  h1 { font-size: clamp(38px, 11vw, 48px); line-height: 1.03; }
  .lede { font-size: 18px; line-height: 1.55; }
  .article-shell { padding: 56px 24px 88px; }
  .article-body { font-size: 18px; }
  .card, .calc-panel, .bank-guide, .cta-box { padding: 24px; }
  .calc-result strong { font-size: 24px; }
  .footer { padding: 56px 24px 28px; }
}