:root {
  --ink: #0b1b33;
  --ink-soft: #153253;
  --paper: #f5f1e9;
  --paper-2: #ece6db;
  --white: #fffdf8;
  --mint: #27d3a8;
  --mint-dark: #06705f;
  --orange: #ff6d4a;
  --line: rgba(11, 27, 51, .16);
  --muted: #4f5c70;
  --shadow: 0 26px 70px rgba(7, 22, 42, .16);
  --radius: 4px;
  --shell: min(1180px, calc(100vw - 48px));
}

* { box-sizing: border-box; }

html {
  max-width: 100%;
  overflow-x: clip;
  scroll-behavior: smooth;
  scroll-padding-top: 92px;
}

body {
  margin: 0;
  min-width: 320px;
  overflow-x: clip;
  color: var(--ink);
  background: var(--paper);
  font-family: "Avenir Next", Avenir, "Trebuchet MS", sans-serif;
  font-size: 16px;
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
}

a { color: inherit; }
button, input { font: inherit; }

.shell { width: var(--shell); margin-inline: auto; }

.skip-link {
  position: fixed;
  z-index: 100;
  top: 10px;
  left: 10px;
  transform: translateY(-140%);
  padding: 12px 16px;
  color: var(--ink);
  background: var(--mint);
  font-weight: 800;
}

.skip-link:focus { transform: translateY(0); }

.visually-hidden {
  position: absolute !important;
  width: 1px !important;
  height: 1px !important;
  padding: 0 !important;
  margin: -1px !important;
  overflow: hidden !important;
  clip: rect(0, 0, 0, 0) !important;
  white-space: nowrap !important;
  border: 0 !important;
}

.site-header {
  position: sticky;
  z-index: 50;
  top: 0;
  border-bottom: 1px solid rgba(11, 27, 51, .1);
  background: color-mix(in srgb, var(--paper) 88%, transparent);
  backdrop-filter: blur(18px);
}

.header-inner {
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  min-height: 78px;
  gap: 34px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
}

.brand-mark {
  display: grid;
  width: 42px;
  height: 42px;
  place-items: center;
  color: var(--ink);
  background: var(--mint);
  border-radius: 50% 50% 50% 16%;
  box-shadow: inset 0 0 0 1px rgba(11, 27, 51, .12);
  font-size: 13px;
  font-weight: 900;
  letter-spacing: .06em;
}

.brand-word {
  font-size: 20px;
  font-weight: 900;
  letter-spacing: .08em;
}

.brand-word span { color: var(--mint-dark); }

.desktop-nav {
  display: flex;
  justify-content: center;
  gap: clamp(18px, 3vw, 38px);
}

.desktop-nav a {
  position: relative;
  color: #35465e;
  font-size: 14px;
  font-weight: 700;
  text-decoration: none;
}

.desktop-nav a::after {
  position: absolute;
  right: 0;
  bottom: -8px;
  left: 0;
  height: 2px;
  background: var(--mint-dark);
  content: "";
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .25s ease;
}

.desktop-nav a:hover::after,
.desktop-nav a:focus-visible::after { transform: scaleX(1); }

.header-action {
  padding: 11px 16px;
  border: 1px solid var(--ink);
  text-decoration: none;
  font-size: 13px;
  font-weight: 800;
  transition: color .2s ease, background .2s ease;
}

.header-action:hover,
.header-action:focus-visible { color: var(--white); background: var(--ink); }

.mobile-menu { display: none; position: relative; }

.hero {
  position: relative;
  display: grid;
  grid-template-columns: minmax(0, 1.18fr) minmax(380px, .82fr);
  min-height: 720px;
  gap: clamp(48px, 7vw, 100px);
  align-items: center;
  padding-block: 82px 96px;
}

.hero::before {
  position: absolute;
  z-index: -1;
  top: 36px;
  right: -12vw;
  width: 52vw;
  height: 70%;
  border: 1px solid rgba(11, 27, 51, .08);
  background-image: linear-gradient(rgba(11, 27, 51, .045) 1px, transparent 1px), linear-gradient(90deg, rgba(11, 27, 51, .045) 1px, transparent 1px);
  background-size: 32px 32px;
  content: "";
  transform: rotate(-4deg);
}

.eyebrow,
.kicker {
  margin: 0 0 20px;
  color: var(--mint-dark);
  font-size: 12px;
  font-weight: 900;
  letter-spacing: .16em;
  text-transform: uppercase;
}

.eyebrow span {
  display: inline-block;
  width: 9px;
  height: 9px;
  margin-right: 7px;
  background: var(--mint);
  border-radius: 50%;
  box-shadow: 0 0 0 7px rgba(39, 211, 168, .14);
}

.hero h1 {
  max-width: 780px;
  margin: 0;
  font-family: Georgia, "Times New Roman", serif;
  font-size: clamp(58px, 7vw, 106px);
  font-weight: 500;
  letter-spacing: -.065em;
  line-height: .9;
}

.hero-keyword {
  display: block;
  margin-bottom: 18px;
  color: var(--navy);
  font-family: Inter, Arial, sans-serif;
  font-size: 13px;
  font-style: normal;
  font-weight: 900;
  letter-spacing: .14em;
  line-height: 1.2;
  text-transform: uppercase;
}

.hero h1 em { color: var(--orange); font-weight: 500; }

.hero-lede {
  max-width: 650px;
  margin: 34px 0 0;
  color: #44536a;
  font-size: clamp(18px, 2vw, 22px);
  line-height: 1.55;
}

.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 36px; }

.button {
  display: inline-flex;
  min-height: 52px;
  align-items: center;
  justify-content: center;
  gap: 24px;
  padding: 13px 20px;
  border: 1px solid var(--ink);
  text-decoration: none;
  font-size: 14px;
  font-weight: 900;
  transition: transform .2s ease, box-shadow .2s ease, background .2s ease;
}

.button:hover,
.button:focus-visible { transform: translateY(-2px); box-shadow: 7px 7px 0 rgba(11, 27, 51, .12); }
.button-primary { color: var(--white); background: var(--ink); }
.button-primary span { color: var(--mint); font-size: 20px; }
.button-secondary { background: transparent; }

.hero-principles {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  max-width: 680px;
  margin: 64px 0 0;
  border-top: 1px solid var(--line);
}

.hero-principles div { padding: 18px 14px 0 0; }
.hero-principles div + div { padding-left: 18px; border-left: 1px solid var(--line); }
.hero-principles dt { color: var(--orange); font-family: Georgia, serif; font-size: 14px; }
.hero-principles dd { margin: 5px 0 0; font-size: 13px; font-weight: 700; line-height: 1.35; }

.market-board {
  position: relative;
  isolation: isolate;
  padding: 28px;
  color: var(--white);
  background: var(--ink);
  box-shadow: var(--shadow);
}

.market-board::after {
  position: absolute;
  z-index: -1;
  top: 18px;
  left: 18px;
  width: 100%;
  height: 100%;
  border-right: 2px solid var(--mint);
  border-bottom: 2px solid var(--mint);
  content: "";
}

.market-board-head {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 20px;
  padding-bottom: 24px;
  border-bottom: 1px solid rgba(255, 255, 255, .15);
}

.market-board-head p { margin: 0 0 4px; color: #94a5b9; font-size: 11px; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; }
.market-board-head h2 { margin: 0; font-family: Georgia, serif; font-size: 24px; font-weight: 500; }

.live-dot { color: #b9c8d8; font-size: 11px; font-weight: 800; letter-spacing: .08em; }
.live-dot i { display: inline-block; width: 7px; height: 7px; margin-right: 5px; background: var(--mint); border-radius: 50%; box-shadow: 0 0 0 5px rgba(39, 211, 168, .1); }

.base-rate { padding: 32px 0 30px; }
.base-rate span, .base-rate small { display: block; color: #9eacbe; }
.base-rate span { font-size: 13px; font-weight: 700; }
.base-rate strong { display: block; margin: 4px 0 2px; color: var(--mint); font-family: Georgia, serif; font-size: clamp(58px, 6vw, 78px); font-weight: 500; letter-spacing: -.05em; line-height: 1; }
.base-rate small { font-size: 11px; }

.rates-grid { display: grid; grid-template-columns: 1fr 1fr; border-top: 1px solid rgba(255, 255, 255, .15); border-left: 1px solid rgba(255, 255, 255, .15); }
.rate-card { padding: 18px; border-right: 1px solid rgba(255, 255, 255, .15); border-bottom: 1px solid rgba(255, 255, 255, .15); }
.rate-card span { display: block; color: #9eacbe; font-size: 10px; font-weight: 800; letter-spacing: .1em; }
.rate-card strong { display: block; margin-top: 7px; font-family: Georgia, serif; font-size: 23px; font-weight: 500; }

.market-source { display: flex; justify-content: space-between; gap: 16px; margin-top: 18px; color: #92a3b8; font-size: 10px; }
.market-source a { color: var(--mint); text-decoration: none; }

.direction-section { padding: 108px 0 120px; background: var(--white); }

.section-heading { display: grid; grid-template-columns: 1.2fr .8fr; align-items: end; gap: 60px; margin-bottom: 48px; }
.section-heading h2, .calculator-intro h2, .method-grid h2, .faq-grid h2 { margin: 0; font-family: Georgia, serif; font-size: clamp(44px, 5vw, 72px); font-weight: 500; letter-spacing: -.05em; line-height: .98; }
.section-heading > p { max-width: 480px; margin: 0; color: var(--muted); font-size: 17px; }

.smart-search {
  display: grid;
  grid-template-columns: 24px 1fr auto;
  align-items: center;
  gap: 14px;
  margin-bottom: 24px;
  padding: 14px 18px;
  border: 1px solid var(--line);
  background: var(--paper);
}

.smart-search:focus-within { border-color: var(--mint-dark); box-shadow: 0 0 0 3px rgba(39, 211, 168, .16); }
.smart-search svg { width: 22px; fill: none; stroke: var(--ink); stroke-width: 1.8; }
.smart-search input { min-width: 0; border: 0; outline: 0; color: var(--ink); background: transparent; font-size: 16px; }
.smart-search input::placeholder { color: #8290a1; }
.smart-search kbd { padding: 3px 7px; border: 1px solid var(--line); color: var(--muted); background: var(--white); font-size: 11px; }

.direction-grid { display: grid; grid-template-columns: repeat(3, 1fr); border-top: 1px solid var(--line); border-left: 1px solid var(--line); }
.direction-card { position: relative; display: flex; min-height: 330px; flex-direction: column; padding: 26px; border-right: 1px solid var(--line); border-bottom: 1px solid var(--line); text-decoration: none; transition: color .28s ease, background .28s ease, transform .28s ease; }
.direction-card:hover, .direction-card:focus-visible { z-index: 2; color: var(--white); background: var(--ink); outline: 0; transform: translateY(-5px); }
.direction-card[hidden] { display: none; }
.direction-card--feature { color: var(--ink); background: var(--mint); }
.card-number { color: var(--muted); font-family: Georgia, serif; font-size: 13px; }
.direction-card--feature .card-number { color: var(--ink); }
.card-icon { display: grid; width: 48px; height: 48px; place-items: center; margin: 38px 0 26px; border: 1px solid currentColor; border-radius: 50%; font-family: Georgia, serif; font-size: 21px; }
.direction-card h3 { margin: 0 0 12px; font-family: Georgia, serif; font-size: 29px; font-weight: 500; letter-spacing: -.03em; }
.direction-card p { margin: 0; color: var(--muted); font-size: 14px; }
.direction-card:hover p, .direction-card:focus-visible p { color: #aebdcd; }
.direction-card--feature p { color: #193b4a; }
.card-link { display: flex; justify-content: space-between; gap: 12px; margin-top: auto; padding-top: 28px; font-size: 12px; font-weight: 900; letter-spacing: .04em; text-transform: uppercase; }
.card-link b { color: var(--orange); font-size: 20px; }
.search-empty { margin: 24px 0 0; color: var(--muted); }

.calculator-section { position: relative; overflow: hidden; padding: 120px 0; color: var(--white); background: var(--ink); }
.calculator-section::before { position: absolute; top: -60%; left: 42%; width: 760px; height: 760px; border: 1px solid rgba(39, 211, 168, .18); border-radius: 50%; content: ""; box-shadow: 0 0 0 120px rgba(39, 211, 168, .03), 0 0 0 240px rgba(39, 211, 168, .025); }
.calculator-layout { position: relative; display: grid; grid-template-columns: .8fr 1.2fr; gap: clamp(60px, 9vw, 130px); align-items: center; }
.calculator-intro .kicker { color: var(--mint); }
.calculator-intro h2 { font-size: clamp(50px, 6vw, 82px); }
.calculator-intro > p:not(.kicker) { max-width: 460px; margin: 28px 0; color: #a8b6c6; }
.calculator-intro ul { padding: 0; margin: 30px 0 0; list-style: none; }
.calculator-intro li { position: relative; padding: 12px 0 12px 28px; border-bottom: 1px solid rgba(255,255,255,.12); font-size: 14px; }
.calculator-intro li::before { position: absolute; left: 0; color: var(--mint); content: "✓"; }

.calculator-card { padding: clamp(26px, 4vw, 48px); color: var(--ink); background: var(--white); box-shadow: 18px 18px 0 rgba(39, 211, 168, .24); }
.field-row { display: flex; align-items: baseline; justify-content: space-between; gap: 20px; }
.field-row label { font-size: 14px; font-weight: 800; }
.field-row output { font-family: Georgia, serif; font-size: clamp(26px, 3vw, 38px); }

input[type="range"] { width: 100%; height: 3px; margin: 34px 0 0; appearance: none; border-radius: 0; background: linear-gradient(90deg, var(--mint-dark) 0 10%, #d7dce0 10% 100%); }
input[type="range"]::-webkit-slider-thumb { width: 22px; height: 22px; appearance: none; border: 5px solid var(--white); border-radius: 50%; background: var(--orange); box-shadow: 0 0 0 1px var(--orange); cursor: grab; }
input[type="range"]::-moz-range-thumb { width: 14px; height: 14px; border: 4px solid var(--white); border-radius: 50%; background: var(--orange); box-shadow: 0 0 0 1px var(--orange); cursor: grab; }
.range-bounds { display: flex; justify-content: space-between; margin-top: 10px; color: var(--muted); font-size: 10px; }

.calculator-fields { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-top: 34px; }
.calculator-fields label span { display: block; margin-bottom: 8px; color: var(--muted); font-size: 11px; font-weight: 800; letter-spacing: .03em; text-transform: uppercase; }
.calculator-fields input { width: 100%; padding: 13px 14px; border: 1px solid var(--line); border-radius: 0; outline: 0; background: var(--paper); }
.calculator-fields input:focus { border-color: var(--mint-dark); box-shadow: 0 0 0 3px rgba(39,211,168,.16); }

.calculator-result { display: grid; grid-template-columns: 1fr 1fr; margin-top: 28px; border-top: 1px solid var(--line); border-left: 1px solid var(--line); }
.calculator-result > div { padding: 16px; border-right: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.calculator-result .result-main { grid-column: 1 / -1; padding: 22px 16px; color: var(--white); background: var(--ink); }
.calculator-result span { display: block; margin-bottom: 6px; color: var(--muted); font-size: 10px; font-weight: 900; letter-spacing: .08em; text-transform: uppercase; }
.calculator-result .result-main span { color: #9eb0c4; }
.calculator-result strong { font-family: Georgia, serif; font-size: 20px; font-weight: 500; }
.calculator-result .result-main strong { color: var(--mint); font-size: clamp(34px, 5vw, 54px); }
.calculator-note { margin: 14px 0 0; color: var(--muted); font-size: 10px; }

.guides-section { padding: 118px 0; background: var(--paper-2); }
.source-list { border-top: 1px solid var(--line); }
.source-list a { display: grid; grid-template-columns: 54px 1fr auto; align-items: center; gap: 24px; min-height: 108px; padding: 18px 20px; border-bottom: 1px solid var(--line); text-decoration: none; transition: color .22s ease, background .22s ease, padding .22s ease; }
.source-list a:hover, .source-list a:focus-visible { color: var(--white); background: var(--ink); outline: 0; padding-inline: 30px; }
.source-index { display: grid; width: 42px; height: 42px; place-items: center; border: 1px solid currentColor; border-radius: 50%; font-family: Georgia, serif; }
.source-list strong, .source-list small { display: block; }
.source-list strong { font-family: Georgia, serif; font-size: clamp(20px, 3vw, 30px); font-weight: 500; }
.source-list small { margin-top: 4px; color: var(--muted); }
.source-list a:hover small, .source-list a:focus-visible small { color: #aebdcd; }
.source-list b { color: var(--orange); font-size: 24px; }

.method-section { padding: 110px 0; color: var(--white); background: var(--mint-dark); }
.method-grid { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(60px, 10vw, 150px); }
.method-grid .kicker { color: var(--white); }
.method-copy { font-size: 18px; }
.method-copy p { margin: 0 0 24px; }
.updated-line { display: flex; align-items: center; gap: 12px; padding-top: 22px; border-top: 1px solid rgba(255,255,255,.24); font-size: 12px; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.updated-line span { width: 8px; height: 8px; background: var(--mint); border-radius: 50%; box-shadow: 0 0 0 6px rgba(39,211,168,.16); }

.faq-section { padding: 112px 0; background: var(--white); }
.faq-grid { display: grid; grid-template-columns: .7fr 1.3fr; gap: clamp(60px, 10vw, 150px); }
.faq-list { border-top: 1px solid var(--line); }
.faq-list details { border-bottom: 1px solid var(--line); }
.faq-list summary { display: flex; min-height: 82px; align-items: center; justify-content: space-between; gap: 20px; cursor: pointer; font-weight: 800; list-style: none; }
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary span { color: var(--orange); font-family: Georgia, serif; font-size: 27px; transition: transform .2s ease; }
.faq-list details[open] summary span { transform: rotate(45deg); }
.faq-list p { max-width: 720px; margin: -4px 48px 24px 0; color: var(--muted); }

.site-footer { padding: 44px 0 24px; color: var(--white); background: #061326; }
.footer-top { display: grid; grid-template-columns: auto 1fr auto; align-items: center; gap: 44px; padding-bottom: 34px; }
.brand--footer .brand-word span { color: var(--mint); }
.footer-top p { margin: 0; color: #9eacbe; }
.footer-top > a:last-child { color: var(--mint); text-decoration: none; }
.footer-bottom { display: flex; justify-content: space-between; gap: 24px; padding-top: 20px; border-top: 1px solid rgba(255,255,255,.12); color: #8292a6; font-size: 11px; }
.footer-bottom a { color: inherit; text-underline-offset: 3px; }
.footer-bottom a:hover, .footer-bottom a:focus-visible { color: var(--mint); }

:focus-visible { outline: 3px solid var(--orange); outline-offset: 3px; }

@keyframes rise-in {
  from { opacity: 0; transform: translateY(24px); }
  to { opacity: 1; transform: translateY(0); }
}

.hero-copy > *, .market-board { animation: rise-in .7s both; }
.hero-copy > *:nth-child(2) { animation-delay: .08s; }
.hero-copy > *:nth-child(3) { animation-delay: .16s; }
.hero-copy > *:nth-child(4) { animation-delay: .24s; }
.hero-copy > *:nth-child(5) { animation-delay: .32s; }
.market-board { animation-delay: .18s; }

@media (max-width: 980px) {
  :root { --shell: min(100% - 32px, 760px); }
  .desktop-nav, .header-action { display: none; }
  .header-inner { grid-template-columns: 1fr auto; }
  .mobile-menu { display: block; }
  .mobile-menu summary { display: grid; width: 46px; height: 46px; place-items: center; border: 1px solid var(--line); cursor: pointer; list-style: none; }
  .mobile-menu summary::-webkit-details-marker { display: none; }
  .mobile-menu summary span { position: absolute; width: 18px; height: 2px; background: var(--ink); transition: transform .2s ease; }
  .mobile-menu summary span:first-child { transform: translateY(-4px); }
  .mobile-menu summary span:last-child { transform: translateY(4px); }
  .mobile-menu[open] summary span:first-child { transform: rotate(45deg); }
  .mobile-menu[open] summary span:last-child { transform: rotate(-45deg); }
  .mobile-menu nav { position: absolute; top: 54px; right: 0; display: grid; min-width: 230px; padding: 12px; border: 1px solid var(--line); background: var(--white); box-shadow: var(--shadow); }
  .mobile-menu nav a { padding: 12px; text-decoration: none; font-weight: 800; }

  .hero { grid-template-columns: 1fr; min-height: auto; padding-block: 72px 90px; }
  .hero::before { right: -20vw; width: 90vw; }
  .hero-copy { max-width: 760px; }
  .market-board { max-width: 620px; }
  .direction-grid { grid-template-columns: 1fr 1fr; }
  .calculator-layout { grid-template-columns: 1fr; }
  .calculator-intro { max-width: 680px; }
}

@media (max-width: 680px) {
  :root { --shell: calc(100% - 28px); }
  .header-inner { min-height: 68px; }
  .brand-mark { width: 38px; height: 38px; }
  .brand-word { font-size: 17px; }
  .hero { gap: 54px; padding-block: 54px 72px; }
  .eyebrow { max-width: 290px; font-size: 10px; }
  .hero h1 { font-size: clamp(50px, 15vw, 72px); }
  .hero-lede { margin-top: 26px; font-size: 17px; }
  .hero-actions { display: grid; }
  .button { width: 100%; }
  .hero-principles { grid-template-columns: 1fr; margin-top: 44px; }
  .hero-principles div { display: grid; grid-template-columns: 36px 1fr; align-items: baseline; padding: 12px 0; border-bottom: 1px solid var(--line); }
  .hero-principles div + div { padding-left: 0; border-left: 0; }
  .hero-principles dd { margin: 0; }
  .market-board { padding: 22px; }
  .market-board::after { right: -9px; bottom: -9px; }
  .base-rate strong { font-size: 58px; }
  .market-source { flex-direction: column; }
  .direction-section, .calculator-section, .guides-section, .method-section, .faq-section { padding-block: 82px; }
  .section-heading, .method-grid, .faq-grid { grid-template-columns: 1fr; gap: 28px; }
  .section-heading h2, .calculator-intro h2, .method-grid h2, .faq-grid h2 { font-size: 48px; }
  .smart-search kbd { display: none; }
  .smart-search { grid-template-columns: 22px 1fr; }
  .direction-grid { grid-template-columns: 1fr; }
  .direction-card { min-height: 290px; }
  .field-row { align-items: flex-start; flex-direction: column; gap: 6px; }
  .calculator-card { box-shadow: 9px 9px 0 rgba(39, 211, 168, .24); }
  .calculator-fields { grid-template-columns: 1fr; }
  .calculator-result { grid-template-columns: 1fr; }
  .calculator-result .result-main { grid-column: 1; }
  .source-list a { grid-template-columns: 44px 1fr auto; gap: 14px; padding-inline: 8px; }
  .source-list a:hover, .source-list a:focus-visible { padding-inline: 12px; }
  .source-list small { font-size: 11px; }
  .footer-top { grid-template-columns: 1fr; gap: 18px; }
  .footer-bottom { flex-direction: column; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; }
}