*,:before,:after{box-sizing:border-box;margin:0;padding:0}:root{--navy:#0f2137;--navy-light:#1a3350;--amber:#f5a623;--amber-dark:#d48b10;--amber-text:#96620a;--ink:#1a1a2e;--mist:#f5f7fa;--card-bg:#fff;--border:#e2e8f0;--text-muted:#64748b;--green:#22c55e;--red:#ef4444;--blue:#3b82f6;--purple:#8b5cf6;--body-text:#374151;--radius-sm:6px;--radius-md:12px;--radius-lg:18px;--radius-flat:2px;--shadow-sm:0 1px 3px #00000014, 0 1px 2px #0000000d;--shadow-md:0 4px 16px #0000001a, 0 2px 6px #0000000f;--shadow-lg:0 8px 32px #0000001f, 0 4px 12px #00000012;--font:"Inter", system-ui, -apple-system, sans-serif;--font-voice:Georgia, "Iowan Old Style", "Times New Roman", serif;--transition:.2s ease}@media (prefers-color-scheme:dark){:root{--navy:#0d1b2a;--navy-light:#12263a;--amber-text:#f5a623;--ink:#e8eaf0;--mist:#111827;--card-bg:#1e2535;--border:#2d3748;--text-muted:#94a3b8;--body-text:#cbd5e1;--shadow-sm:0 1px 3px #0000004d, 0 1px 2px #0003;--shadow-md:0 4px 16px #0006, 0 2px 6px #00000040}}html.dark{--navy:#0d1b2a;--navy-light:#12263a;--amber-text:#f5a623;--ink:#e8eaf0;--mist:#111827;--card-bg:#1e2535;--border:#2d3748;--text-muted:#94a3b8;--body-text:#cbd5e1;--shadow-sm:0 1px 3px #0000004d, 0 1px 2px #0003;--shadow-md:0 4px 16px #0006, 0 2px 6px #00000040}html.light{--navy:#0f2137;--navy-light:#1a3350;--amber-text:#96620a;--ink:#1a1a2e;--mist:#f5f7fa;--card-bg:#fff;--border:#e2e8f0;--text-muted:#64748b;--body-text:#374151;--shadow-sm:0 1px 3px #00000014, 0 1px 2px #0000000d;--shadow-md:0 4px 16px #0000001a, 0 2px 6px #0000000f}html{scroll-behavior:smooth;color-scheme:light dark}body{font-family:var(--font);background:var(--mist);color:var(--ink);-webkit-font-smoothing:antialiased;transition:background var(--transition), color var(--transition);flex-direction:column;min-height:100vh;line-height:1.6;display:flex}body>*{min-width:0}.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}:focus-visible{outline:2px solid var(--amber);outline-offset:2px;border-radius:var(--radius-sm)}@media (prefers-reduced-motion:reduce){*,:before,:after{transition-duration:.01ms!important;animation-duration:.01ms!important}}.site-header{background:var(--navy);z-index:100;padding:1rem 1.25rem;position:sticky;top:0;box-shadow:0 2px 12px #00000040}.header-inner{justify-content:space-between;align-items:center;gap:1rem;max-width:960px;margin:0 auto;display:flex;position:relative}.logo{color:#fff;align-items:center;gap:.5rem;text-decoration:none;display:flex}.logo-icon{background:var(--amber);color:var(--navy);border-radius:var(--radius-sm);flex-shrink:0;justify-content:center;align-items:center;width:2rem;height:2rem;font-size:1.1rem;font-weight:700;display:flex}.logo-text{letter-spacing:-.01em;font-size:1.1rem;font-weight:500}.logo-text strong{font-weight:700}.header-tagline{color:#fffc;font-size:.78rem;display:none}@media (width>=480px){.header-tagline{display:block}}.theme-toggle{color:#ffffffd9;cursor:pointer;font-family:var(--font);transition:background var(--transition), border-color var(--transition);background:#ffffff1a;border:1px solid #fff3;border-radius:50px;flex-shrink:0;align-items:center;gap:.4rem;padding:.35rem .75rem .35rem .6rem;font-size:.78rem;font-weight:500;display:flex}.theme-toggle:hover{background:#fff3;border-color:#ffffff59}.theme-toggle svg{flex-shrink:0}.search-wrap{background:var(--card-bg);border:1px solid var(--border);border-radius:var(--radius-flat);transition:border-color var(--transition), box-shadow var(--transition);align-items:center;display:flex;position:relative;overflow:hidden}.search-wrap:focus-within{border-color:var(--amber);box-shadow:0 0 0 2px var(--amber)}.search-icon{color:var(--text-muted);pointer-events:none;display:flex;position:absolute;left:1.1rem}.search-input{width:100%;font-family:var(--font);color:var(--ink);-webkit-appearance:none;background:0 0;border:none;outline:none;padding:.65rem 3rem .65rem 3.2rem;font-size:.95rem}.search-input::placeholder{color:var(--text-muted)}.search-input::-webkit-search-cancel-button{display:none}.search-clear{cursor:pointer;color:var(--text-muted);transition:color var(--transition), background var(--transition);background:0 0;border:none;border-radius:50%;align-items:center;padding:.25rem;display:flex;position:absolute;right:.9rem}.search-clear:hover{color:var(--ink);background:var(--mist)}.home-search{border-bottom:1px solid var(--border);padding:1.25rem 1.25rem 1.1rem}.home-search-inner{max-width:960px;margin:0 auto}.home-search-title{font-family:var(--font-voice);color:var(--ink);letter-spacing:-.01em;margin-bottom:.7rem;font-size:1.45rem;font-weight:600;line-height:1.25}.results-bar{max-width:960px;color:var(--text-muted);margin:1.5rem auto 0;padding:0 1.25rem;font-size:.85rem}.terms-grid{grid-template-columns:1fr;gap:1rem;max-width:960px;margin:1rem auto 3rem;padding:0 1.25rem;display:grid}@media (width>=580px){.terms-grid{grid-template-columns:repeat(2,1fr)}}@media (width>=860px){.terms-grid{grid-template-columns:repeat(3,1fr)}}.no-results{text-align:center;max-width:960px;color:var(--text-muted);margin:2rem auto;padding:0 1.25rem;font-size:1rem}.term-card{background:var(--card-bg);border-radius:var(--radius-lg);box-shadow:var(--shadow-sm);border:1px solid var(--border);transition:box-shadow var(--transition), transform var(--transition), background var(--transition), border-color var(--transition);flex-direction:column;display:flex;overflow:hidden}.term-card:hover{box-shadow:var(--shadow-md);transform:translateY(-2px)}.card-header{cursor:pointer;user-select:none;-webkit-tap-highlight-color:transparent;justify-content:space-between;align-items:flex-start;gap:.75rem;padding:1.1rem 1.2rem;display:flex}.card-header:focus-visible{outline:2px solid var(--amber);outline-offset:-2px;border-radius:var(--radius-md)}.card-title-wrap{flex:1;min-width:0}.card-category{text-transform:uppercase;letter-spacing:.06em;border-radius:50px;margin-bottom:.35rem;padding:.18rem .55rem;font-size:.68rem;font-weight:600;display:inline-block}.cat-borrowing{color:#92400e;background:#fef3c7}.cat-saving{color:#166534;background:#dcfce7}.cat-credit{color:#5b21b6;background:#ede9fe}.cat-mortgages{color:#1e40af;background:#dbeafe}.cat-budgeting{color:#9d174d;background:#fce7f3}.cat-economics{color:#15803d;background:#f0fdf4}.cat-vehicles{color:#854d0e;background:#fef9c3}html.dark .cat-borrowing,:root:has(html.dark) .cat-borrowing{color:#fcd34d;background:#451a03}html.dark .cat-saving,:root:has(html.dark) .cat-saving{color:#86efac;background:#052e16}html.dark .cat-credit,:root:has(html.dark) .cat-credit{color:#c4b5fd;background:#2e1065}html.dark .cat-mortgages,:root:has(html.dark) .cat-mortgages{color:#93c5fd;background:#172554}html.dark .cat-budgeting,:root:has(html.dark) .cat-budgeting{color:#f9a8d4;background:#500724}html.dark .cat-economics,:root:has(html.dark) .cat-economics{color:#86efac;background:#052e16}html.dark .cat-vehicles,:root:has(html.dark) .cat-vehicles{color:#fde68a;background:#422006}@media (prefers-color-scheme:dark){html:not(.light) .cat-borrowing{color:#fcd34d;background:#451a03}html:not(.light) .cat-saving{color:#86efac;background:#052e16}html:not(.light) .cat-credit{color:#c4b5fd;background:#2e1065}html:not(.light) .cat-mortgages{color:#93c5fd;background:#172554}html:not(.light) .cat-budgeting{color:#f9a8d4;background:#500724}html:not(.light) .cat-economics{color:#86efac;background:#052e16}html:not(.light) .cat-vehicles{color:#fde68a;background:#422006}}.card-term{color:var(--ink);letter-spacing:-.01em;font-size:1.05rem;font-weight:700;line-height:1.2}.card-short{color:var(--text-muted);margin-top:.2rem;font-size:.82rem;line-height:1.4}.card-chevron{color:var(--text-muted);flex-shrink:0;margin-top:.15rem;transition:transform .28s}.term-card.open .card-chevron{transform:rotate(180deg)}.card-body{grid-template-rows:0fr;transition:grid-template-rows .3s;display:grid}.term-card.open .card-body{grid-template-rows:1fr}.card-body-inner{overflow:hidden}.card-body-content{border-top:1px solid var(--border);flex-direction:column;gap:.85rem;padding:1rem 1.2rem 1.25rem;display:flex}.card-section-label{text-transform:uppercase;letter-spacing:.07em;margin-bottom:.3rem;font-size:.7rem;font-weight:700}.label-explanation{color:var(--blue)}.label-example{color:var(--green)}.label-mistake{color:var(--red)}.label-related{color:var(--purple)}.card-section p{color:var(--body-text);font-size:.88rem;line-height:1.6}.card-section.mistake-section p:before{content:"⚠️ "}.related-chips{flex-wrap:wrap;gap:.4rem;margin-top:.15rem;display:flex}.related-chip{background:var(--mist);border:1px solid var(--border);color:var(--ink);cursor:pointer;transition:background var(--transition), border-color var(--transition), color var(--transition);border-radius:50px;padding:.2rem .65rem;font-size:.75rem;font-weight:500}.related-chip:hover{background:var(--navy);color:#fff;border-color:var(--navy)}.site-footer{background:var(--navy);color:#ffffffa6;text-align:center;margin-top:auto;padding:2rem 1.25rem}.footer-inner{flex-direction:column;align-items:center;gap:.75rem;max-width:640px;margin:0 auto;display:flex}.footer-brand{color:#fff;align-items:center;gap:.4rem;font-size:1rem;font-weight:500;display:flex}.footer-brand strong{font-weight:700}.logo-icon-sm{background:var(--amber);color:var(--navy);border-radius:4px;justify-content:center;align-items:center;width:1.5rem;height:1.5rem;font-size:.75rem;font-weight:700;display:inline-flex}.footer-disclaimer{color:#ffffff8c;max-width:480px;font-size:.82rem;line-height:1.6}.footer-disclaimer strong{color:var(--amber);font-weight:600}.footer-copy{color:#ffffff4d;font-size:.75rem}mark{color:#1a1a2e;background:#fef08a;border-radius:2px;padding:0 1px}@media (prefers-color-scheme:dark){html:not(.light) mark{color:#fef3c7;background:#854d0e}}html.dark mark{color:#fef3c7;background:#854d0e}[hidden]{display:none!important}.term-card--linked{cursor:pointer}.card-link{color:inherit;height:100%;text-decoration:none;display:block}.term-card--linked .card-header{cursor:pointer}.term-card--linked:hover{box-shadow:var(--shadow-md);transform:translateY(-2px)}.term-card--linked:hover .card-arrow{transform:translate(3px)}.card-arrow{color:var(--text-muted);flex-shrink:0;margin-top:.15rem;transition:transform .22s,color .22s}.term-card--linked:hover .card-arrow{color:var(--amber)}.card-teaser{color:var(--text-muted);margin-top:.45rem;font-size:.82rem;font-style:italic;line-height:1.5}.concept-back{max-width:760px;margin:1.5rem auto 0;padding:0 1.25rem}.concept-back a{color:var(--text-muted);transition:color var(--transition);align-items:center;gap:.4rem;font-size:.85rem;font-weight:500;text-decoration:none;display:inline-flex}.concept-back a:hover{color:var(--ink)}.concept-back svg{flex-shrink:0}.concept-hero{max-width:760px;margin:2rem auto 0;padding:0 1.25rem}.concept-category{text-transform:uppercase;letter-spacing:.07em;border-radius:50px;margin-bottom:.75rem;padding:.22rem .65rem;font-size:.7rem;font-weight:600;display:inline-block}.concept-title{color:var(--ink);letter-spacing:-.03em;margin-bottom:.75rem;font-size:clamp(2rem,6vw,3rem);font-weight:700;line-height:1.1}.concept-short{color:var(--text-muted);max-width:560px;font-size:1.1rem;line-height:1.5}.concept-body{flex-direction:column;gap:1.5rem;max-width:760px;margin:2.5rem auto 4rem;padding:0 1.25rem;display:flex}.concept-section{background:var(--card-bg);border:1px solid var(--border);border-radius:var(--radius-lg);box-shadow:var(--shadow-sm);transition:background var(--transition), border-color var(--transition);padding:1.5rem}.concept-section-label{text-transform:uppercase;letter-spacing:.07em;margin-bottom:.6rem;font-size:.7rem;font-weight:700}.concept-section p{color:var(--body-text);font-size:.97rem;line-height:1.7}.concept-section.mistake-block p:before{content:"⚠️ "}.concept-related-chips{flex-wrap:wrap;gap:.5rem;margin-top:.25rem;display:flex}.concept-chip{background:var(--mist);border:1px solid var(--border);color:var(--ink);transition:background var(--transition), border-color var(--transition), color var(--transition);border-radius:50px;padding:.3rem .8rem;font-size:.82rem;font-weight:500;text-decoration:none;display:inline-block}.concept-chip:hover{background:var(--navy);color:#fff;border-color:var(--navy)}.example-note{color:var(--text-muted);border-top:1px solid var(--border);margin-top:.75rem;padding-top:.65rem;font-size:.75rem;line-height:1.5}.disclaimer{color:var(--text-muted);border-top:1px solid var(--border);margin-top:1rem;padding-top:.75rem;font-size:.78rem;line-height:1.5}.calc-section{background:var(--card-bg);border:1px solid var(--border);border-radius:var(--radius-lg);box-shadow:var(--shadow-sm);transition:background var(--transition), border-color var(--transition);padding:1.5rem}.calc-section-label{text-transform:uppercase;letter-spacing:.07em;color:var(--amber-dark);margin-bottom:1rem;font-size:.7rem;font-weight:700}.calc-fields{grid-template-columns:1fr 1fr;gap:1rem;margin-bottom:1.25rem;display:grid}@media (width<=480px){.calc-fields{grid-template-columns:1fr}}.calc-field label{color:var(--ink);margin-bottom:.35rem;font-size:.78rem;font-weight:600;display:block}.calc-field input{border:1px solid var(--border);border-radius:var(--radius-sm);width:100%;font-family:var(--font);color:var(--ink);background:var(--mist);transition:border-color var(--transition), background var(--transition), color var(--transition);-webkit-appearance:none;padding:.55rem .75rem;font-size:.95rem}.calc-field input:focus{border-color:var(--amber);background:var(--card-bg);outline:none}.calc-result{background:var(--navy);border-radius:var(--radius-md);flex-wrap:wrap;justify-content:space-between;align-items:center;gap:1rem;padding:1.1rem 1.25rem;display:flex}.calc-result-item{flex-direction:column;gap:.2rem;display:flex}.calc-result-label{text-transform:uppercase;letter-spacing:.06em;color:#ffffff80;font-size:.7rem;font-weight:600}.calc-result-value{color:#fff;letter-spacing:-.02em;font-size:1.3rem;font-weight:700}.calc-result-value.highlight{color:var(--amber)}.calc-note{color:var(--text-muted);margin-top:.85rem;font-size:.75rem;line-height:1.5}.calc-warning{color:var(--red);border-left:3px solid var(--red);border-radius:var(--radius-sm);background:#ef444414;margin-top:.85rem;padding:.65rem .85rem;font-size:.8rem;line-height:1.5}.calc-savings{color:var(--green);border-left:3px solid var(--green);border-radius:var(--radius-sm);background:#22c55e14;margin-top:.85rem;padding:.65rem .85rem;font-size:.8rem;line-height:1.5}.calc-compare{margin-top:1.25rem}.calc-radio-row{flex-wrap:wrap;gap:.75rem 1.25rem;margin-bottom:1.25rem;display:flex}.header-about{color:#ffffffbf;transition:color var(--transition);flex-shrink:0;font-size:.82rem;font-weight:500;text-decoration:none}.header-about:hover{color:#fff}.nav-right{flex-shrink:0;align-items:center;gap:1.25rem;display:flex}.nav-right>.header-about,.nav-right>.theme-toggle{display:none}.hamburger{border-radius:var(--radius-sm);color:#ffffffd9;cursor:pointer;width:2.2rem;height:2.2rem;transition:background var(--transition), border-color var(--transition);background:#ffffff1a;border:1px solid #fff3;flex-shrink:0;justify-content:center;align-items:center;padding:0;display:flex}.hamburger:hover{background:#fff3;border-color:#ffffff59}.hamburger svg{display:block}.nav-dropdown{background:var(--navy);border-radius:var(--radius-md);z-index:200;border:1px solid #ffffff26;flex-direction:column;min-width:180px;padding:.5rem 0;display:none;position:absolute;top:calc(100% + .5rem);right:1.25rem;box-shadow:0 8px 24px #0006}.nav-dropdown.open{display:flex}.nav-dropdown .header-about{color:#fffc;border-radius:0;padding:.65rem 1.1rem;font-size:.88rem;display:block}.nav-dropdown .header-about:hover{color:#fff;background:#ffffff12}.nav-dropdown .theme-toggle{justify-content:flex-start;width:auto;margin:.35rem .6rem .25rem;font-size:.82rem;display:flex}@media (width>=640px){.nav-right>.header-about,.nav-right>.theme-toggle{display:flex}.nav-right>.header-about{display:inline}.hamburger{display:none}.nav-dropdown{display:none!important}}.about-hero{max-width:760px;margin:2rem auto 0;padding:0 1.25rem}.about-body{flex-direction:column;gap:1.5rem;max-width:760px;margin:2rem auto 4rem;padding:0 1.25rem;display:flex}.about-list{flex-direction:column;gap:.5rem;margin:.85rem 0;padding:0;list-style:none;display:flex}.about-list li{color:var(--body-text);padding-left:1rem;font-size:.97rem;line-height:1.5;position:relative}.about-list li:before{content:"—";color:var(--text-muted);position:absolute;left:0}.about-email{color:var(--amber);transition:color var(--transition);margin-top:.85rem;font-size:.95rem;font-weight:500;text-decoration:none;display:inline-block}.about-email:hover{color:var(--amber-dark)}.about-body .concept-section p+p{margin-top:.75rem}.home-columns{grid-template-columns:1fr;gap:2rem;max-width:960px;margin:1.25rem auto 2.5rem;padding:0 1.25rem;display:grid}@media (width>=1000px){.home-columns{grid-template-columns:minmax(0,1fr) 250px;align-items:start;column-gap:2.75rem}}.home-main{min-width:0}.home-main #main-content{margin-top:2rem}#main-content{min-width:0;margin:0;padding:0;display:block}.terms-grid-flat{margin-top:1.5rem}.cat-section{border-radius:var(--radius-lg);border:1px solid var(--border);transition:border-color var(--transition);margin-bottom:.75rem;overflow:hidden}.cat-header{background:var(--card-bg);cursor:pointer;width:100%;font-family:var(--font);transition:background var(--transition);-webkit-tap-highlight-color:transparent;border:none;justify-content:space-between;align-items:center;padding:1.1rem 1.25rem;display:flex}.cat-header:hover{background:var(--mist)}.cat-header--open{border-bottom:1px solid var(--border)}.cat-header-left{align-items:center;gap:.75rem;display:flex}.cat-pill{text-transform:uppercase;letter-spacing:.06em;border-radius:50px;padding:.22rem .65rem;font-size:.72rem;font-weight:700}.cat-count{color:var(--text-muted);font-size:.82rem;font-weight:400}.cat-chevron{color:var(--text-muted);flex-shrink:0;transition:transform .28s}.cat-header--open .cat-chevron{transform:rotate(180deg)}.cat-body{background:var(--card-bg);grid-template-rows:0fr;transition:grid-template-rows .3s;display:grid}.cat-body--open{grid-template-rows:1fr}.cat-body-inner{overflow:hidden}.cat-terms-grid{grid-template-columns:1fr;gap:0;display:grid}@media (width>=580px){.cat-terms-grid{grid-template-columns:repeat(2,1fr)}}@media (width>=860px){.cat-terms-grid{grid-template-columns:repeat(3,1fr)}}.cat-terms-grid .term-card{box-shadow:none;border:none;border-top:1px solid var(--border);border-radius:0;transform:none!important}.cat-terms-grid .term-card:hover{box-shadow:none;background:var(--mist)}@media (width>=580px){.cat-terms-grid .term-card:nth-child(odd){border-right:1px solid var(--border)}}@media (width>=860px){.cat-terms-grid .term-card:nth-child(odd){border-right:none}.cat-terms-grid .term-card:not(:nth-child(3n)){border-right:1px solid var(--border)}}.cat-terms-grid .card-category{display:none}.terms-grid-flat{grid-template-columns:1fr;gap:1rem;display:grid}@media (width>=580px){.terms-grid-flat{grid-template-columns:repeat(2,1fr)}}@media (width>=860px){.terms-grid-flat{grid-template-columns:repeat(3,1fr)}}.terms-grid-flat .term-card{border-radius:var(--radius-lg);box-shadow:var(--shadow-sm);border:1px solid var(--border)}.terms-grid-flat .term-card:hover{box-shadow:var(--shadow-md);transform:translateY(-2px)}.calc-hub-layout{max-width:960px;margin:1.5rem auto 4rem;padding:0 1.25rem}.calc-hub-shell{border:1px solid var(--border);border-radius:var(--radius-lg);background:var(--card-bg);box-shadow:var(--shadow-sm);flex-direction:column;display:flex;overflow:hidden}@media (width>=640px){.calc-hub-shell{flex-direction:row;align-items:flex-start}}.calc-hub-list{border-bottom:1px solid var(--border);flex-direction:column;display:flex}@media (width>=640px){.calc-hub-list{border-bottom:none;border-right:1px solid var(--border);flex-shrink:0;width:260px;max-height:32rem;overflow-y:auto}}.calc-hub-list{scrollbar-width:thin;scrollbar-color:var(--border) transparent}.calc-hub-list::-webkit-scrollbar{width:7px}.calc-hub-list::-webkit-scrollbar-track{background:0 0}.calc-hub-list::-webkit-scrollbar-thumb{background-color:var(--border);border-radius:var(--radius-sm)}.calc-hub-list::-webkit-scrollbar-thumb:hover{background-color:var(--text-muted)}.calc-hub-list::-webkit-scrollbar-button{width:0;height:0;display:none}.calc-hub-list-item{text-align:left;border:none;border-bottom:1px solid var(--border);cursor:pointer;width:100%;font-family:var(--font);transition:background var(--transition), border-color var(--transition);background:0 0;border-left:3px solid #0000;flex-direction:column;gap:.2rem;padding:.85rem 1rem;display:flex}.calc-hub-list-item:last-child{border-bottom:none}.calc-hub-list-item:hover{background:var(--mist)}.calc-hub-list-item:focus-visible{outline:2px solid var(--amber);outline-offset:-2px}.calc-hub-list-item.is-active{background:var(--mist);border-left-color:var(--amber)}.calc-hub-list-title{color:var(--ink);font-size:.9rem;font-weight:700}.calc-hub-list-desc{color:var(--text-muted);font-size:.75rem;line-height:1.4}.calc-hub-detail{flex:1;min-width:0;padding:1.5rem;scroll-margin-top:5rem}.calc-hub-detail .calc-hub-section{box-shadow:none;background:0 0;border:none;border-radius:0;padding:0;display:none}.calc-hub-detail .calc-hub-section.is-active{display:block}.calc-hub-section{background:var(--card-bg);border:1px solid var(--border);border-radius:var(--radius-lg);box-shadow:var(--shadow-sm);transition:background var(--transition), border-color var(--transition);padding:1.5rem;scroll-margin-top:5rem}.calc-hub-section-header{justify-content:space-between;align-items:flex-start;gap:1rem;margin-bottom:1.25rem;display:flex}.calc-hub-section-title{color:var(--ink);letter-spacing:-.02em;font-size:1.2rem;font-weight:700}.calc-hub-section-sub{color:var(--text-muted);margin-top:.2rem;font-size:.78rem}.calc-hub-link{color:var(--amber);white-space:nowrap;transition:color var(--transition);flex-shrink:0;font-size:.8rem;font-weight:500;text-decoration:none}.calc-hub-link:hover{color:var(--amber-dark)}.calc-hub-section .calc-section{box-shadow:none;border:none;border-top:1px solid var(--border);border-radius:0;padding:1.25rem 0 0}.sd-buyer-type{flex-wrap:wrap;gap:.75rem 1.25rem;margin-bottom:1.25rem;display:flex}.sd-radio-label{color:var(--ink);cursor:pointer;align-items:center;gap:.4rem;font-size:.85rem;font-weight:500;display:flex}.sd-radio-label input[type=radio]{accent-color:var(--amber);cursor:pointer;width:1rem;height:1rem}.sd-breakdown{border:1px solid var(--border);border-radius:var(--radius-sm);margin-top:1rem;font-size:.82rem;overflow:hidden}.sd-breakdown-header{background:var(--mist);color:var(--text-muted);text-transform:uppercase;letter-spacing:.05em;grid-template-columns:1fr auto auto;gap:.5rem;padding:.5rem .75rem;font-size:.72rem;font-weight:600;display:grid}.sd-breakdown-row{border-top:1px solid var(--border);color:var(--body-text);grid-template-columns:1fr auto auto;gap:.5rem;padding:.5rem .75rem;display:grid}.sd-breakdown-total{color:var(--ink);background:var(--mist);font-weight:700}.sd-breakdown-rate{color:var(--text-muted);text-align:right;min-width:2.5rem}.sd-breakdown-tax{text-align:right;min-width:4rem;font-weight:600}.sd-breakdown-band{color:var(--body-text)}.calc-hub-callout{color:var(--text-muted);border-top:1px solid var(--border);margin-top:.85rem;padding-top:.75rem;font-size:.82rem}.calc-hub-callout-link{color:var(--amber);transition:color var(--transition);font-weight:500;text-decoration:none}.calc-hub-callout-link:hover{color:var(--amber-dark)}.calc-select{border:1px solid var(--border);border-radius:var(--radius-sm);width:100%;font-family:var(--font);color:var(--ink);background:var(--mist);transition:border-color var(--transition), background var(--transition), color var(--transition);-webkit-appearance:none;cursor:pointer;padding:.55rem .75rem;font-size:.95rem}.calc-select:focus{border-color:var(--amber);background:var(--card-bg);outline:none}.hub-disclaimer{background:var(--mist);border:1px solid var(--border);border-radius:var(--radius-md);max-width:760px;color:var(--text-muted);margin:1rem auto 0;padding:.75rem 1.25rem;font-size:.78rem;line-height:1.5}.featured{min-width:0}.featured[hidden]{display:none}.featured-heading{text-transform:uppercase;letter-spacing:.5px;color:var(--text-muted);margin-bottom:.7rem;font-size:.66rem;font-weight:700}.featured-grid{grid-template-columns:1fr;gap:1.1rem;display:grid}@media (width>=760px){.featured-grid{grid-template-columns:1.55fr 1fr;gap:0}.featured-lead{border-right:1px solid var(--border);padding-right:1.6rem}.featured-secondary{padding-left:1.6rem}}.featured-lead{border-bottom:1px solid var(--border);color:inherit;flex-direction:column;align-items:flex-start;gap:.4rem;padding-bottom:1.1rem;text-decoration:none;display:flex}@media (width>=760px){.featured-lead{border-bottom:none;padding-bottom:0}}.featured-lead:focus-visible{outline:2px solid var(--amber);outline-offset:3px}.featured-lead-title{font-family:var(--font-voice);letter-spacing:-.01em;color:var(--ink);transition:color var(--transition);font-size:1.5rem;font-weight:600;line-height:1.2}.featured-lead:hover .featured-lead-title{color:var(--amber-text)}.featured-lead-standfirst{color:var(--body-text);font-size:.88rem;line-height:1.5}.featured-tag{text-transform:uppercase;letter-spacing:.3px;color:var(--amber-text);font-size:.625rem;font-weight:700}.featured-cat{margin-top:.1rem}.featured-secondary{flex-direction:column;display:flex}.featured-item{border-left:3px solid var(--amber);color:inherit;flex-direction:column;gap:.25rem;padding:.8rem 0 .8rem .8rem;text-decoration:none;display:flex}.featured-item:first-child{padding-top:0}.featured-item:last-child{padding-bottom:0}.featured-item+.featured-item{border-top:1px solid var(--border);padding-top:.8rem}.featured-item:focus-visible{outline:2px solid var(--amber);outline-offset:2px}.featured-item-title{letter-spacing:-.01em;color:var(--ink);transition:color var(--transition);font-size:.95rem;font-weight:700;line-height:1.3}.featured-item:hover .featured-item-title{color:var(--amber-text)}.category-card-pill,.category-list-name{letter-spacing:.3px;text-transform:uppercase;background:0 0;border-radius:0;padding:0;font-size:.625rem;font-weight:700;display:inline-block}html.dark .category-card-pill,html.dark .category-list-name{background:0 0}@media (prefers-color-scheme:dark){html:not(.light) .category-card-pill,html:not(.light) .category-list-name{background:0 0}}.section-heading{text-transform:uppercase;letter-spacing:.5px;color:var(--text-muted);font-size:.66rem;font-weight:700}.category-list{margin-top:.7rem}.category-list-row{border-bottom:1px solid var(--border);color:inherit;align-items:baseline;gap:.85rem;padding:.7rem 0;text-decoration:none;display:flex}.category-list-row:first-child{border-top:1px solid var(--border)}.category-list-name{flex:0 0 7.5rem}.category-list-desc{color:var(--body-text);transition:color var(--transition);flex:1;font-size:.85rem;line-height:1.45}.category-list-row:hover .category-list-desc{color:var(--ink)}.category-list-count{color:var(--text-muted);font-variant-numeric:tabular-nums;flex:none;font-size:.75rem}.category-list-row:focus-visible{outline:2px solid var(--amber);outline-offset:-2px}@media (width<=560px){.category-list-row{flex-wrap:wrap;gap:.3rem .85rem}.category-list-name{flex:0 0 100%}.category-list-count{margin-left:auto}}.recent-guides{border-top:1px solid var(--border);min-width:0;padding-top:1.25rem}.recent-guides[hidden]{display:none}@media (width>=1000px){.recent-guides{border-top:none;padding-top:0}}.guide-index{margin-top:.7rem}.guide-index-item{border-bottom:1px solid var(--border);color:inherit;flex-direction:column;gap:.25rem;padding:.7rem 0;text-decoration:none;display:flex}.guide-index-item:first-child{border-top:1px solid var(--border)}.guide-index-title{letter-spacing:-.01em;color:var(--ink);transition:color var(--transition);font-size:.9rem;font-weight:700;line-height:1.3}.guide-index-item:hover .guide-index-title{color:var(--amber-text)}.guide-index-excerpt{color:var(--body-text);-webkit-line-clamp:3;line-clamp:3;-webkit-box-orient:vertical;font-size:.8rem;line-height:1.45;display:-webkit-box;overflow:hidden}.guide-index-date{color:var(--text-muted);font-size:.7rem}.guide-index-item:focus-visible{outline:2px solid var(--amber);outline-offset:-2px}.category-terms-list{max-width:960px;margin:0 auto;padding:1rem 1.25rem 3rem}.cat-terms-grid--page{grid-template-columns:1fr;gap:.75rem;display:grid}@media (width>=600px){.cat-terms-grid--page{grid-template-columns:repeat(2,1fr)}}@media (width>=900px){.cat-terms-grid--page{grid-template-columns:repeat(3,1fr)}}.seo-nav{clip:rect(0, 0, 0, 0);white-space:nowrap;width:1px;height:1px;position:absolute;overflow:hidden}.cookie-banner{z-index:1000;background:var(--card-bg);border-top:1px solid var(--border);box-shadow:var(--shadow-lg);padding:1rem 1.25rem;position:fixed;bottom:0;left:0;right:0}.cookie-banner[hidden]{display:none}.cookie-banner-inner{flex-wrap:wrap;align-items:center;gap:1rem;max-width:960px;margin:0 auto;display:flex}.cookie-banner-text{color:var(--body-text);flex:320px;font-size:.85rem;line-height:1.5}.cookie-banner-title{color:var(--ink);margin-bottom:.25rem;font-weight:700}.cookie-banner-text a{color:var(--amber-dark);text-decoration:underline}html.dark .cookie-banner-text a{color:var(--amber)}.cookie-banner-actions{flex-shrink:0;gap:.6rem;display:flex}.cookie-btn{font-family:var(--font);border-radius:var(--radius-sm);cursor:pointer;transition:background var(--transition), border-color var(--transition), color var(--transition);padding:.55rem 1.25rem;font-size:.85rem;font-weight:600}.cookie-btn-accept{background:var(--amber);border:1px solid var(--amber);color:var(--navy)}.cookie-btn-accept:hover{background:var(--amber-dark);border-color:var(--amber-dark)}.cookie-btn-reject{border:1px solid var(--border);color:var(--ink);background:0 0}.cookie-btn-reject:hover{background:var(--mist)}.cookie-btn:focus-visible{outline:2px solid var(--amber);outline-offset:2px}@media (width<=600px){.cookie-banner{padding:.85rem 1rem}.cookie-banner-inner{flex-direction:column;align-items:stretch;gap:.75rem}.cookie-banner-text{flex:auto;font-size:.8rem}.cookie-banner-actions{justify-content:stretch;gap:.5rem}.cookie-btn{text-align:center;flex:1;padding:.55rem .75rem;font-size:.8rem}}.footer-legal-links{flex-wrap:wrap;justify-content:center;align-items:center;gap:.75rem;margin-top:.5rem;display:flex}.footer-legal-link,.footer-cookie-settings{color:var(--text-muted);font-family:var(--font);cursor:pointer;background:0 0;border:none;margin:0;padding:0;font-size:.78rem;text-decoration:underline}.footer-legal-link:hover,.footer-cookie-settings:hover{color:var(--ink)}html.dark .footer-legal-link:hover,html.dark .footer-cookie-settings:hover{color:#fff}.cookie-table{border-collapse:collapse;width:100%;margin:.75rem 0;font-size:.85rem}.cookie-table th,.cookie-table td{text-align:left;border-bottom:1px solid var(--border);vertical-align:top;padding:.6rem .75rem}.cookie-table th{color:var(--text-muted);text-transform:uppercase;letter-spacing:.03em;font-size:.75rem;font-weight:600}.cookie-table code{background:var(--mist);border-radius:var(--radius-sm);padding:.1rem .4rem;font-size:.82rem}.guide-date{color:var(--text-muted);margin-top:.6rem;font-size:.82rem}.guide-content{color:var(--body-text);font-size:.97rem;line-height:1.7}.guide-content h2{color:var(--ink);letter-spacing:-.01em;margin:2rem 0 .85rem;font-size:1.3rem;font-weight:700}.guide-content h2:first-child{margin-top:0}.guide-content h3{color:var(--ink);margin:1.5rem 0 .6rem;font-size:1.05rem;font-weight:700}.guide-content p{margin:0 0 1rem}.guide-content ul,.guide-content ol{flex-direction:column;gap:.4rem;margin:0 0 1rem;padding-left:1.3rem;display:flex}.guide-content li{line-height:1.6}.guide-content strong{color:var(--ink);font-weight:700}.guide-content a{color:var(--amber);text-underline-offset:2px;transition:color var(--transition);text-decoration:underline}.guide-content a:hover{color:var(--amber-dark)}.guide-content blockquote{border-left:3px solid var(--amber);color:var(--text-muted);margin:1.25rem 0;padding:.1rem 0 .1rem 1rem;font-style:italic}.guide-content code{background:var(--mist);border-radius:var(--radius-sm);padding:.1rem .4rem;font-size:.88em}.guide-content pre{background:var(--mist);border:1px solid var(--border);border-radius:var(--radius-sm);margin:0 0 1rem;padding:1rem;overflow-x:auto}.guide-content pre code{background:0 0;padding:0}.guide-content hr{border:none;border-top:1px solid var(--border);margin:2rem 0}.guide-content .disclaimer{margin-top:1.5rem}.guide-calc-link{font-size:.9rem}.guides-list{max-width:760px;margin:2rem auto 4rem;padding:0 1.25rem}.guide-list-item{border-top:1px solid var(--border);color:inherit;padding:2rem 0;text-decoration:none;display:block}.guide-list-item:first-child{border-top:none;padding-top:.5rem}.guide-list-title{color:var(--ink);letter-spacing:-.02em;transition:color var(--transition);margin-bottom:.5rem;font-size:1.5rem;font-weight:700;line-height:1.25;display:block}.guide-list-item:hover .guide-list-title{color:var(--amber-dark)}.guide-list-excerpt{color:var(--body-text);max-width:620px;font-size:1rem;line-height:1.6;display:block}.guide-list-date{color:var(--text-muted);margin-top:.85rem;font-size:.78rem;display:block}.guide-list-empty{color:var(--text-muted);padding:2rem 0;font-size:.95rem}