/* Credit Score Ladder v3. Financial reference: white and navy, serif headlines, square edges,
   tier colours only in data (dial, staircase charts, swatches, table rules). */
@font-face{font-family:"Manrope";src:url(/fonts/manrope.woff2) format("woff2");font-weight:500 800;font-display:swap}
@font-face{font-family:"Inter";src:url(/fonts/inter.woff2) format("woff2");font-weight:400 700;font-display:swap}

:root{
  --bg:#FFFFFF; --surface:#FFFFFF; --soft:#F4F6F9; --soft-2:#EBEFF4; --ink:#121821; --muted:#5B6676; --line:#E1E5EA; --rule:#121821;
  --navy:#0E2238; --navy-2:#173352; --link:#1C5DA6; --gain:#2B7A4B; --gold:#E8A93A;
  --c-poor:#B54034; --c-fair:#C7772A; --c-good:#B8962E; --c-vgood:#3C8257; --c-top:#2F6E99;
  --tint-poor:#F8E9E6; --tint-fair:#F9EFE4; --tint-good:#F7F1DF; --tint-vgood:#E5F0E9; --tint-top:#E3EDF5;
  --shadow:0 1px 2px rgba(14,34,56,.05),0 10px 30px rgba(14,34,56,.07);
  --f-serif:"Manrope",system-ui,-apple-system,"Segoe UI",sans-serif;
  --f-sans:"Inter",system-ui,-apple-system,"Segoe UI",sans-serif;
  --wrap:1160px;
  color-scheme:light;
}
@media (prefers-color-scheme:dark){
  :root{
    --bg:#0F1318; --surface:#161B22; --soft:#141A21; --soft-2:#1B222B; --ink:#E7EAEE; --muted:#9AA5B3; --line:#262E38; --rule:#E7EAEE;
    --navy:#0B1A2B; --navy-2:#13283F; --link:#8DBBF0; --gain:#6CC093;
    --tint-poor:#33201E; --tint-fair:#33261B; --tint-good:#302A1A; --tint-vgood:#1A2C21; --tint-top:#182736;
    --shadow:0 1px 2px rgba(0,0,0,.3),0 10px 30px rgba(0,0,0,.25);
    color-scheme:dark;
  }
}

*,*::before,*::after{box-sizing:border-box;border-radius:0}
html{-webkit-text-size-adjust:100%;scroll-padding-top:20px}
body{margin:0;background:var(--bg);color:var(--ink);font:400 16.5px/1.65 var(--f-sans);-webkit-font-smoothing:antialiased}
img,svg{max-width:100%}
a{color:var(--link);text-underline-offset:2px;text-decoration-thickness:1px}
a:hover{text-decoration-thickness:2px}
h1,h2,h3{font-family:var(--f-serif);font-weight:700;line-height:1.15;letter-spacing:-.022em;margin:0 0 .5em}
h1{font-size:clamp(1.95rem,4.2vw,2.75rem);font-weight:800;letter-spacing:-.03em}
h2{font-size:clamp(1.45rem,2.8vw,1.85rem)}
h3{font-size:1.12rem}
p{margin:0 0 1em}
table{border-collapse:collapse;width:100%}
.wrap{max-width:var(--wrap);margin:0 auto;padding-inline:24px}
@media (max-width:560px){.wrap{padding-inline:18px}}
.skip{position:absolute;left:-9999px}.skip:focus{left:12px;top:12px;background:var(--surface);padding:8px 12px;z-index:99}
.r{text-align:right}

.t-poor{--t:var(--c-poor);--tint:var(--tint-poor)} .t-fair{--t:var(--c-fair);--tint:var(--tint-fair)}
.t-good{--t:var(--c-good);--tint:var(--tint-good)} .t-vgood{--t:var(--c-vgood);--tint:var(--tint-vgood)}
.t-top{--t:var(--c-top);--tint:var(--tint-top)}
.sw{display:inline-block;width:9px;height:9px;background:var(--t);margin-right:8px;vertical-align:1px}
.kicker{font:600 .74rem/1 var(--f-sans);letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin:0 0 12px;display:flex;align-items:center;gap:12px}

/* ------------------------------------------------ header */
.top{background:var(--surface);border-bottom:1px solid var(--line)}
.top-in{display:flex;align-items:center;gap:28px;min-height:66px}
.logo{font:800 1.22rem/1 var(--f-serif);color:var(--navy);text-decoration:none;white-space:nowrap;letter-spacing:-.03em}
.logo span{font-weight:600}
.nav{margin-left:auto;display:flex;gap:28px;white-space:nowrap}
.nav a,.nav span{color:var(--ink);text-decoration:none;font-size:.93rem;font-weight:500;padding:22px 0 20px;border-bottom:3px solid transparent}
.nav a:hover,.nav a[aria-current]{border-bottom-color:var(--navy)}
.nav span{color:var(--muted)}
.subbar{background:var(--soft);border-bottom:1px solid var(--line)}
.subbar-in{display:flex;gap:4px;align-items:center;overflow-x:auto;white-space:nowrap;font-size:.86rem;min-height:38px;scrollbar-width:none}
.subbar-l{font-size:.7rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin-right:10px}
.subbar a,.subbar span:not(.subbar-l){padding:4px 10px;color:var(--ink);text-decoration:none;font-variant-numeric:tabular-nums;font-weight:500}
.subbar a:hover{background:var(--soft-2)}
.subbar .is-here{background:var(--navy);color:#fff!important}
.subbar .is-off{color:var(--muted)}
@media (prefers-color-scheme:dark){.logo{color:var(--ink)}.subbar .is-here{background:var(--link);color:var(--bg)!important}}
@media (max-width:640px){.nav{gap:18px}.logo{font-size:1.12rem}.top-in{min-height:58px}.nav a,.nav span{padding:18px 0 16px}}

/* ------------------------------------------------ score hero band */
.band-hero{background:var(--soft);border-bottom:1px solid var(--line)}
.hero-grid{display:grid;grid-template-columns:minmax(0,1fr) 370px;gap:56px;align-items:center;padding-block:30px 44px}
.crumbs{font-size:.84rem;color:var(--muted);margin:0 0 22px;display:flex;gap:8px;flex-wrap:wrap}
.crumbs a{color:var(--muted);text-decoration:none}
.crumbs a:hover{color:var(--ink);text-decoration:underline}
.hero-text h1{margin-bottom:.4em}
.answer{font-size:1.2rem;line-height:1.55;max-width:34em;color:var(--ink)}
.answer strong{font-weight:650}
.meta{font-size:.85rem;color:var(--muted);margin:22px 0 0;padding-top:16px;border-top:1px solid var(--line)}
.meta{display:flex;flex-wrap:wrap;gap:4px 22px}
.scorecard{background:var(--surface);border:1px solid var(--line);box-shadow:var(--shadow);padding:22px 24px 8px}
.gauge{display:block;width:100%;height:auto;margin:0 auto 6px;max-width:300px}
.g-arc{fill:none;stroke:var(--t);opacity:.22}
.g-arc.is-on{opacity:1}
.g-needle{stroke:var(--ink);stroke-width:3.5}
.g-num{font:800 52px var(--f-serif);fill:var(--ink);letter-spacing:-2px}
.g-lab{font:600 11px var(--f-sans);fill:var(--muted);letter-spacing:.14em}
.g-end{font:500 11px var(--f-sans);fill:var(--muted)}
.scorecard dl{margin:0;border-top:1px solid var(--line)}
.scorecard dl div{display:flex;justify-content:space-between;gap:16px;padding:10px 0;border-bottom:1px solid var(--line);font-size:.9rem}
.scorecard dl div:last-child{border-bottom:0}
.scorecard dt{color:var(--muted)}
.scorecard dd{margin:0;font-weight:600;text-align:right;font-variant-numeric:tabular-nums}
@media (max-width:900px){.hero-grid{grid-template-columns:1fr;gap:28px;padding-block:22px 30px}.scorecard{max-width:440px}}

/* ------------------------------------------------ what the next rung is worth */
.worth{padding-block:40px 8px}
.worth-head h2{margin:0 0 18px}
.worth-grid{display:grid;grid-template-columns:200px repeat(2,minmax(0,1fr));border:1px solid var(--line);box-shadow:var(--shadow);background:var(--surface)}
.wf{display:flex;flex-direction:column;gap:4px;padding:20px 22px;border-right:1px solid var(--line);border-top:3px solid var(--gain)}
.wf-pts{border-top-color:var(--navy);background:var(--soft)}
.wf:nth-child(3){border-right:0}
.wf-l{font-size:.78rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--muted)}
.wf-n{font:800 2.5rem/1.05 var(--f-serif);color:var(--gain);font-variant-numeric:tabular-nums;letter-spacing:-.03em}
.wf-pts .wf-n{color:var(--navy)}
.wf-n small{font:500 1rem var(--f-sans);color:var(--muted);letter-spacing:0}
.wf-s{font-size:.88rem;color:var(--muted);font-variant-numeric:tabular-nums}
.wf-why{grid-column:1/-1;border-right:0;border-top:1px solid var(--line);padding:16px 22px 4px}
.wf-why p{max-width:52em}
@media (prefers-color-scheme:dark){.wf-pts .wf-n{color:var(--ink)}}
@media (max-width:760px){.worth-grid{grid-template-columns:1fr}.wf{border-right:0}.wf+.wf:not(.wf-why){border-top-width:3px}}

/* ------------------------------------------------ article layout */
.layout{display:grid;grid-template-columns:210px minmax(0,1fr);gap:64px;padding-top:44px}
.body{max-width:740px}
.body section{padding-bottom:12px;margin-bottom:40px}
.body section > h2{margin-top:0}
.body .kicker{color:var(--navy);font-size:.8rem}
@media (prefers-color-scheme:dark){.body .kicker{color:var(--link)}}
.rail{position:sticky;top:24px;align-self:start;font-size:.9rem}
.rail-h{font:600 .72rem var(--f-sans);letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin:0 0 10px;text-align:left}
.toc ol{list-style:none;margin:0 0 30px;padding:0;border-left:1px solid var(--line);counter-reset:toc}
.toc li{counter-increment:toc}
.toc a{display:block;padding:5px 0 5px 14px;color:var(--ink);text-decoration:none;margin-left:-1px;border-left:2px solid transparent}
.toc a::before{content:counter(toc,decimal-leading-zero);color:var(--muted);font-size:.78rem;margin-right:10px;font-variant-numeric:tabular-nums}
.toc a:hover{background:var(--soft)}
.near{margin-bottom:18px}
.near td{padding:7px 0;border-bottom:1px solid var(--line)}
.near td.n{font-weight:650;width:54px;font-variant-numeric:tabular-nums}
.near tr:first-child td{border-top:1px solid var(--line)}
.near tr.is-here td{background:var(--soft);font-weight:650}
.near tr.is-here td.n{padding-left:8px}
.near .is-off{color:var(--muted)}
.rail-cta{display:block;padding:12px 14px;background:var(--navy);color:#fff;text-decoration:none;font-weight:600;font-size:.88rem}
.rail-cta:hover{background:var(--navy-2)}
@media (max-width:960px){
  .layout{grid-template-columns:1fr;gap:0;padding-top:32px}
  .rail{position:static;order:2;max-width:440px;margin-top:10px}
  .toc{display:none}
}

/* what you get */
.gets{display:grid;grid-template-columns:1fr 1fr;border:1px solid var(--line)}
.get{padding:18px 20px 6px;border-top:3px solid var(--line);border-right:1px solid var(--line);border-bottom:1px solid var(--line);margin-bottom:-1px}
.get:nth-child(2n){border-right:0}
.get h3{margin:0 0 2px;font-size:1.1rem}
.get .st{font-size:.7rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;margin:0 0 8px}
.get p:last-child{font-size:.95rem;color:var(--ink)}
.get.is-yes{border-top-color:var(--c-vgood)} .get.is-yes .st{color:var(--c-vgood)}
.get.is-maybe{border-top-color:var(--c-good)} .get.is-maybe .st{color:var(--c-good)}
.get.is-hard{border-top-color:var(--c-fair)} .get.is-hard .st{color:var(--c-fair)}
.get.is-no{border-top-color:var(--c-poor)} .get.is-no .st{color:var(--c-poor)}
@media (max-width:640px){.gets{grid-template-columns:1fr}.get{border-right:0}}

/* staircase chart */
.chart-h{margin:34px 0 4px}
.chart-sub{font-size:.95rem;color:var(--muted);margin-bottom:14px}
.chart-sub b{color:var(--ink)}
.stair{margin:0 0 14px;padding:18px 18px 12px;border:1px solid var(--line);background:var(--surface)}
.stair-cols{display:flex;align-items:stretch;gap:3px;height:200px;border-bottom:1px solid var(--rule);margin-bottom:26px}
.sc{position:relative;display:flex;flex-direction:column;justify-content:flex-end;align-items:stretch;min-width:0}
.sc-bar{display:block;background:var(--t);opacity:.38}
.sc.is-you .sc-bar{opacity:1}
.sc.is-next .sc-bar{opacity:.38;outline:2px dashed var(--ink);outline-offset:-2px}
.sc-rate{font-size:.74rem;font-weight:600;text-align:center;color:var(--muted);font-variant-numeric:tabular-nums;padding-bottom:3px;white-space:nowrap}
.sc.is-you .sc-rate,.sc.is-next .sc-rate{color:var(--ink)}
.sc-tag{font-size:.64rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;text-align:center;color:var(--ink);min-height:1em}
.sc-band{position:absolute;top:100%;left:0;padding-top:6px;font-size:.72rem;color:var(--muted);font-variant-numeric:tabular-nums}
.stair figcaption{font-size:.78rem;color:var(--muted)}
@media (max-width:560px){.stair{padding:14px 10px 10px}.stair-cols{height:170px;gap:2px}.sc-rate{font-size:.6rem;letter-spacing:-.02em}.sc-band{font-size:.6rem}.sc-tag{font-size:.54rem}}

/* cost tables */
.tscroll{overflow-x:auto}
.ctable{font-size:.9rem;margin-bottom:10px;font-variant-numeric:tabular-nums}
.ctable th{font-size:.7rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);text-align:left;padding:8px 10px;border-bottom:1px solid var(--rule)}
.ctable th.r{text-align:right}
.ctable td{padding:8px 10px;border-bottom:1px solid var(--line);white-space:nowrap}
.ctable em{font-style:normal;font-size:.66rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;margin-left:8px;padding:2px 6px;background:var(--ink);color:var(--bg)}
.ctable tr.is-next em{background:transparent;color:var(--ink);outline:1px solid var(--ink)}
.ctable tr.is-you td{background:var(--tint);font-weight:650}
@media (max-width:560px){.ctable{font-size:.8rem}.ctable td,.ctable th{padding:7px 6px}.ctable em{display:none}}
.fine{font-size:.82rem;color:var(--muted)}

.body ul,.body ol{padding-left:1.25em}
.body li{margin-bottom:.55em}
.body ol li::marker{font-weight:650;color:var(--navy)}
.qa{border-top:1px solid var(--line);padding-top:14px;margin-top:14px}
.qa h3{margin-bottom:6px}

.sources{border-top:1px solid var(--rule);padding-top:20px}
.sources h2{font-size:1.15rem}
.sources ol{font-size:.86rem;color:var(--muted);padding-left:1.4em}
.byline{font-size:.86rem;color:var(--muted)}

/* ------------------------------------------------ home */
.band-navy{background:var(--navy);color:#fff}
.home-grid{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);gap:56px;align-items:center;padding-block:52px 58px}
.band-navy .kicker{color:rgba(255,255,255,.65)}
.band-navy h1{color:#fff;font-size:clamp(2.1rem,4.6vw,3.2rem)}
.band-navy .sub{color:rgba(255,255,255,.78);font-size:1.12rem;max-width:34em}
.check{margin-top:26px;max-width:480px}
.check label{display:block;font-size:.78rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:rgba(255,255,255,.7);margin-bottom:8px}
.check-row{display:flex;box-shadow:0 10px 30px rgba(0,0,0,.25)}
.check input{flex:1;min-width:0;font:600 1.35rem/1 var(--f-sans);padding:16px 16px;border:0;background:#fff;color:#121821}
.check input::placeholder{color:#9AA5B3;font-weight:500}
.check input:focus{outline:3px solid var(--gold);outline-offset:0}
.check button{font:650 1rem var(--f-sans);padding:0 26px;border:0;background:var(--gold);color:#121821;cursor:pointer}
.check button:hover{background:#F2BA55}
.result{max-width:560px;margin-top:18px}
.result[hidden]{display:none}
.res-card{background:#fff;color:#121821;padding:18px 20px;border-top:4px solid var(--t,var(--gold))}
.res-card a{color:#1C5DA6}
.res-top{display:flex;align-items:baseline;gap:14px;flex-wrap:wrap}
.res-n{font:700 2.3rem/1 var(--f-serif)}
.res-tier{font-weight:600}
.res-card p{margin:.5em 0 0}
.home-chart{background:var(--surface);color:var(--ink);padding:22px 22px 10px;box-shadow:0 20px 50px rgba(0,0,0,.25)}
.home-chart .stair{border:0;padding:6px 0 0;margin:0}
.hc-h{font:700 1.05rem var(--f-serif);margin:0 0 4px}
@media (max-width:900px){.home-grid{grid-template-columns:1fr;gap:34px;padding-block:34px 40px}}

.ladder-sec{padding-top:56px}
.ladder-sec h2{margin:0 0 8px}
.note{font-size:.86rem;color:var(--muted);max-width:56em}
.ltable{border-top:2px solid var(--rule);font-size:.93rem;min-width:720px;margin-top:18px}
.ltable thead th{text-align:left;font-size:.7rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);padding:12px 14px 10px;border-bottom:1px solid var(--line)}
.ltable td{padding:11px 14px;border-bottom:1px solid var(--line);vertical-align:top}
.ltable tbody td:first-child{border-left:4px solid var(--t)}
.ltable .tier-row th{text-align:left;background:var(--soft);padding:16px 14px 12px;font:700 1.15rem var(--f-serif);border-top:1px solid var(--line)}
.ltable .tier-row .sw{display:none}
.ltable .range{font:500 .86rem var(--f-sans);color:var(--muted);margin-left:10px}
.ltable .tier-short{display:block;font:400 .88rem var(--f-sans);color:var(--muted);margin-top:4px}
.ltable .thr{font:700 1.15rem var(--f-serif);width:100px}
.ltable .num{width:104px;font-variant-numeric:tabular-nums;font-weight:500}
.ltable .na{color:var(--muted)}
.ltable .pages{width:220px;font-variant-numeric:tabular-nums}
.ltable .pages a,.ltable .pages span{margin-right:10px}
.ltable .pages .is-off{color:var(--muted)}
.ltable tbody tr:not(.tier-row):hover td{background:var(--soft)}
@media (max-width:760px){
  .ltable{min-width:0}
  .ltable thead{display:none}
  .ltable tr:not(.tier-row){display:grid;grid-template-columns:70px 1fr 1fr;gap:2px 12px;border-bottom:1px solid var(--line);padding:10px 12px}
  .ltable tbody td:first-child{border-left:0}
  .ltable tr:not(.tier-row) td{border:0;padding:0;width:auto}
  .ltable .thr{grid-row:1 / span 2}
  .ltable .num::before{content:attr(data-l) " ";color:var(--muted);font-size:.78rem;font-weight:400}
  .ltable .what,.ltable .pages{grid-column:2 / -1;font-size:.88rem}
  .ltable .tier-row,.ltable .tier-row th{display:block}
}

.home-sec{padding-top:60px}
.guides{list-style:none;padding:0;margin:18px 0 0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));border-top:2px solid var(--rule)}
.guides li{padding:18px 24px 18px 0;border-bottom:1px solid var(--line);display:flex;flex-direction:column;gap:4px}
.guides li:nth-child(2n){padding-left:24px;border-left:1px solid var(--line)}
.guides li > a,.guides li > span:first-child{font:700 1.12rem/1.3 var(--f-serif);color:var(--ink);text-decoration:none}
.guides li > a:hover{color:var(--link)}
.guides li > span:first-child{color:var(--muted)}
.guides li span:last-child{color:var(--muted);font-size:.92rem}
@media (max-width:700px){.guides{grid-template-columns:1fr}.guides li:nth-child(2n){padding-left:0;border-left:0}}

.prose{max-width:44em;padding:34px 0 10px}

/* ------------------------------------------------ footer */
.foot{margin-top:90px;background:var(--navy);color:rgba(255,255,255,.75);padding:48px 0 28px;font-size:.9rem}
.foot-in{display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:36px}
.foot .logo{color:#fff}
.foot h2{font:600 .7rem var(--f-sans);text-transform:uppercase;letter-spacing:.12em;color:rgba(255,255,255,.55);margin:4px 0 12px}
.foot ul{list-style:none;padding:0;margin:0}
.foot li{margin-bottom:7px}
.foot a{color:#fff;text-decoration:none}
.foot a:hover{text-decoration:underline}
.foot span:not(.logo span){color:rgba(255,255,255,.5)}
.foot-brand p{margin-top:14px;max-width:26em}
.foot-scores{display:flex;flex-wrap:wrap;gap:6px 16px;font-variant-numeric:tabular-nums}
.foot-legal{margin-top:36px;padding-top:18px;border-top:1px solid rgba(255,255,255,.15);font-size:.8rem;color:rgba(255,255,255,.55)}
@media (max-width:820px){.foot-in{grid-template-columns:1fr 1fr}.foot-brand{grid-column:1/-1}}

/* ------------------------------------------------ home v3 sections */
.asof-line{font-size:.88rem;color:rgba(255,255,255,.65);margin:0 0 14px}
.hc-top{display:flex;justify-content:space-between;align-items:center;gap:12px;flex-wrap:wrap;margin-bottom:10px}
.hc-top .hc-h{margin:0}
.tabs{display:flex;border:1px solid var(--line)}
.tabs button{font:600 .82rem var(--f-sans);padding:7px 14px;border:0;background:var(--surface);color:var(--muted);cursor:pointer}
.tabs button+button{border-left:1px solid var(--line)}
.tabs button[aria-selected="true"]{background:var(--navy);color:#fff}
@media (prefers-color-scheme:dark){.tabs button[aria-selected="true"]{background:var(--link);color:var(--bg)}}

.figs{border-bottom:1px solid var(--line);background:var(--surface)}
.figs-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr))}
.fig{display:flex;flex-direction:column;gap:2px;padding:26px 24px 24px;border-left:1px solid var(--line)}
.fig:first-child{border-left:0;padding-left:0}
.fig-n{font:800 2.2rem/1.05 var(--f-serif);color:var(--navy);letter-spacing:-.03em;font-variant-numeric:tabular-nums}
.fig-n small{font:500 .95rem var(--f-sans);color:var(--muted);letter-spacing:0}
.fig-l{font-weight:600;font-size:.95rem;margin-top:4px}
.fig-s{font-size:.8rem;color:var(--muted)}
@media (prefers-color-scheme:dark){.fig-n{color:var(--ink)}}
@media (max-width:900px){.figs-grid{grid-template-columns:1fr 1fr}.fig{padding:20px 18px}.fig:nth-child(3){border-left:0;padding-left:0}.fig:nth-child(n+3){border-top:1px solid var(--line)}}

.sec-head{max-width:760px;margin-bottom:20px}
.sec-head h2{margin:0 0 8px}

.how{padding-top:64px}
.how > h2{margin:0 0 22px}
.how-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:0;border-top:2px solid var(--rule)}
.how-grid > div{padding:20px 28px 4px 0}
.how-grid > div + div{padding-left:28px;border-left:1px solid var(--line)}
.how-grid h3{margin:0 0 8px;font-size:1.18rem}
.how-grid p{color:var(--muted);font-size:.95rem}
@media (max-width:820px){.how-grid{grid-template-columns:1fr}.how-grid > div + div{padding-left:0;border-left:0;border-top:1px solid var(--line)}}

.dist{padding-top:64px}
.dist-bar{display:flex;height:64px;gap:2px;margin:6px 0 10px}
.dseg{background:var(--t);color:#fff;text-decoration:none;display:flex;flex-direction:column;justify-content:center;padding:0 12px;min-width:0;overflow:hidden}
.dseg b{font:700 1.2rem/1.1 var(--f-serif)}
.dseg span{font-size:.78rem;opacity:.9;white-space:nowrap}
.dseg:hover{filter:brightness(1.08)}
.dist-legend{display:flex;flex-wrap:wrap;gap:6px 22px;font-size:.88rem;margin-bottom:6px}
.dist-legend a{color:var(--ink);text-decoration:none}
.dist-legend a:hover{text-decoration:underline}
.dist-legend em{font-style:normal;color:var(--muted);margin-left:4px;font-variant-numeric:tabular-nums}
@media (max-width:640px){.dseg{padding:0 6px}.dseg span{display:none}.dseg b{font-size:.9rem}}

.board{padding-top:64px}
.tb{display:grid;grid-template-columns:280px minmax(0,1fr);border-top:1px solid var(--line);scroll-margin-top:16px}
.tb:last-child{border-bottom:1px solid var(--line)}
.tb-head{padding:24px 28px 20px 18px;background:var(--tint)}
.tb-head h3{font-size:1.45rem;margin:0 0 4px}
.tb-range{font-size:.88rem;font-weight:600;margin:0 0 10px;font-variant-numeric:tabular-nums}
.tb-range span{color:var(--muted);margin:0 4px}
.tb-short{font-size:.9rem;color:var(--muted);margin:0}
.tb-main{padding:18px 0 22px 28px}
.tb-rungs{font-size:.9rem;margin-bottom:14px;font-variant-numeric:tabular-nums}
.tb-rungs th{font-size:.68rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);text-align:left;padding:0 10px 6px 0;border-bottom:1px solid var(--rule)}
.tb-rungs th.r{text-align:right}
.tb-rungs td{padding:8px 10px 8px 0;border-bottom:1px solid var(--line)}
.tb-rungs .thr{font:700 1.05rem var(--f-serif);width:90px}
.tb-rungs td.r{width:90px}
.tb-none{font-size:.92rem;color:var(--muted);margin:0 0 14px}
.tiles{display:flex;flex-wrap:wrap;gap:6px}
.tile{display:inline-block;min-width:58px;text-align:center;padding:7px 10px;border:1px solid var(--line);font:650 .95rem var(--f-sans);color:var(--ink);text-decoration:none;font-variant-numeric:tabular-nums}
a.tile{border-color:var(--t);color:var(--ink)}
a.tile:hover{background:var(--t);color:#fff}
.tile.is-off{color:var(--muted);background:var(--soft);border-color:var(--line)}
@media (max-width:820px){.tb{grid-template-columns:1fr}.tb-main{padding:16px 0 20px}.tb-rungs td:last-child{white-space:normal}}

.home-guides{padding-top:64px}
.home-guides .guides{list-style:none}

.method{margin-top:72px;padding:34px 36px;background:var(--soft);border:1px solid var(--line);display:grid;grid-template-columns:minmax(0,1.2fr) minmax(0,1fr);gap:40px}
.method h2{margin:0 0 12px}
.method p{color:var(--muted);font-size:.95rem}
.method-src{list-style:none;margin:0;padding:0;border-top:2px solid var(--rule)}
.method-src li{padding:10px 0;border-bottom:1px solid var(--line);font-size:.88rem;color:var(--muted)}
.method-src b{display:block;color:var(--ink);font-weight:600}
@media (max-width:820px){.method{grid-template-columns:1fr;padding:24px 20px;gap:20px}}
.tb-rungs th.r,.tb-rungs td.r{padding-right:28px}
.tb-rungs td:last-child,.tb-rungs th:last-child{padding-right:0}
@media (max-width:640px){
  .tb-rungs thead{display:none}
  .tb-rungs tr{display:grid;grid-template-columns:64px 1fr 1fr;gap:0 10px;padding:9px 0;border-bottom:1px solid var(--line)}
  .tb-rungs td{border:0;padding:0!important;width:auto!important;text-align:left}
  .tb-rungs td.r::before{content:attr(data-l) " ";color:var(--muted);font-size:.78rem}
  .tb-rungs td:last-child{grid-column:2 / -1;font-size:.86rem;color:var(--muted);margin-top:2px}
  .tb-rungs .thr{grid-row:1 / span 2}
}
.tb-rungs th{white-space:nowrap}
.worth-grid.is-empty{grid-template-columns:200px minmax(0,1fr)}
.worth-grid.is-empty .wf-why{grid-column:auto;border-top:3px solid var(--line);border-left:0;display:flex;align-items:center;padding:20px 22px}
.worth-grid.is-empty .wf-why p{margin:0}
@media (max-width:760px){.worth-grid.is-empty{grid-template-columns:1fr}.worth-grid.is-empty .wf-why{border-top:1px solid var(--line)}}

/* guides */
.factcard{padding:22px 24px 10px}
.factcard dl{border-top:2px solid var(--rule)}
.factcard dd{max-width:60%}
.guide-body h2{margin-top:1.8em}
.guide-body > h2:first-child{margin-top:0}
.guide-body table{font-size:.92rem;margin:14px 0 20px;font-variant-numeric:tabular-nums}
.guide-body th{text-align:left;font-size:.72rem;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);padding:8px 10px;border-bottom:1px solid var(--rule)}
.guide-body td{padding:8px 10px;border-bottom:1px solid var(--line);vertical-align:top}
.rail-check{display:flex;margin-bottom:26px}
.rail-check input{flex:1;min-width:0;font:600 1rem var(--f-sans);padding:9px 10px;border:1px solid var(--rule);border-right:0;background:var(--surface);color:var(--ink)}
.rail-check button{font:600 .9rem var(--f-sans);padding:0 14px;border:0;background:var(--navy);color:#fff;cursor:pointer}
.info-hero .wrap{padding-block:30px 40px}
.info-hero h1{max-width:20em}
.info-body{padding-top:36px}
.info-body h2{margin-top:1.7em}
.info-body table{font-size:.92rem;margin:12px 0 20px}
.info-body th{text-align:left;font-size:.72rem;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);padding:8px 10px;border-bottom:1px solid var(--rule)}
.info-body td{padding:8px 10px;border-bottom:1px solid var(--line);vertical-align:top}
.form{display:grid;gap:16px;max-width:560px;margin-top:10px}
.form label{display:block;font-size:.85rem;font-weight:600;margin-bottom:6px}
.form input[type=text],.form input[type=email],.form select,.form textarea{width:100%;font:400 1rem var(--f-sans);padding:11px 12px;border:1px solid var(--rule);background:var(--surface);color:var(--ink)}
.form textarea{min-height:170px;resize:vertical}
.form button{justify-self:start;font:600 1rem var(--f-sans);padding:12px 22px;border:0;background:var(--navy);color:#fff;cursor:pointer}
.form .err{color:var(--c-poor);font-size:.85rem;margin:6px 0 0}
.hp{position:absolute;left:-9999px}
.notice{border:1px solid var(--line);border-top:3px solid var(--gain);padding:18px 20px;background:var(--surface)}
.get-h{display:flex;gap:14px;align-items:center;margin-bottom:10px}
.get-h .ico{flex:none;color:var(--navy);padding:8px;width:44px;height:44px;background:var(--soft);border:1px solid var(--line)}
.get-h h3{margin:0}
.get-h .st{margin:2px 0 0}
@media (prefers-color-scheme:dark){.get-h .ico{color:var(--ink)}}
.guide-body > section{margin-top:2.6em}
.guide-body > section.sources{margin-top:3em}
.guide-photo{margin:0 0 30px}
.guide-photo img{display:block;width:100%;height:auto;aspect-ratio:16/9;object-fit:cover;background:var(--soft)}
.src-box{border-top:1px solid var(--line);border-bottom:1px solid var(--line);margin:0 0 14px}
.src-box summary{cursor:pointer;list-style:none;padding:12px 0;font:700 1rem var(--f-serif);display:flex;align-items:center;gap:8px}
.src-box summary::-webkit-details-marker{display:none}
.src-box summary::before{content:"";width:8px;height:8px;border-right:2px solid var(--ink);border-bottom:2px solid var(--ink);transform:rotate(-45deg);margin-right:4px;transition:transform .15s}
.src-box[open] summary::before{transform:rotate(45deg)}
.src-box summary span{font:500 .88rem var(--f-sans);color:var(--muted)}
.src-box ol{margin:0 0 14px}
.sources{border-top:0;padding-top:0}

/* footer v2: logo + nav, the ladder bar, legal line */
.foot{padding:40px 0 26px}
.foot-top{display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap;margin-bottom:22px}
.foot-nav{display:flex;gap:26px;flex-wrap:wrap;font-size:.92rem}
.foot-nav a,.foot-nav span{color:rgba(255,255,255,.85)}
.foot-bar{display:flex;gap:3px}
.foot-bar a{display:block;min-width:150px;background:var(--t);color:#fff;padding:14px 14px 12px;text-decoration:none!important}
.foot-bar a:hover{filter:brightness(1.1)}
.foot-bar b{display:block;font:800 1.05rem var(--f-serif);white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.foot-bar span{font-size:.78rem;opacity:.85;color:#fff!important}
.foot-scale{display:flex;justify-content:space-between;gap:12px;font-size:.75rem;color:rgba(255,255,255,.55);margin-top:6px}
.foot-bottom{display:flex;justify-content:space-between;gap:30px;margin-top:30px;padding-top:18px;border-top:1px solid rgba(255,255,255,.14);font-size:.8rem}
.foot-bottom p{color:rgba(255,255,255,.6);max-width:62em;margin:0}
.foot-bottom nav{display:flex;gap:18px;white-space:nowrap}
.foot-bottom nav a{color:rgba(255,255,255,.85)}
.foot-bottom nav span{color:rgba(255,255,255,.5)}
@media (max-width:760px){
  .foot-bar{flex-direction:column-reverse}
  .foot-bar a{flex:none!important;min-width:0;display:flex;justify-content:space-between;align-items:baseline;padding:11px 14px}
  .foot-bar b{font-size:.98rem}
  .foot-scale{display:none}
  .foot-bottom{flex-direction:column;gap:12px}
  .foot-nav{gap:10px 18px}
}

/* /guides hub */
.gh-hero{padding-block:30px 40px}
.gh-hero .answer{max-width:40em}
.gh-body{padding-top:36px}
.gh-feat{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:26px;padding-bottom:40px;border-bottom:2px solid var(--rule)}
.gh-card{display:flex;flex-direction:column;gap:7px;color:var(--ink);text-decoration:none}
.gh-card img{width:100%;height:auto;aspect-ratio:16/9;object-fit:cover;background:var(--soft);margin-bottom:6px}
.gh-card .gh-t{font:800 1.3rem/1.25 var(--f-serif);letter-spacing:-.02em}
.gh-card:hover .gh-t{color:var(--link)}
.gh-t{font:700 1.08rem/1.3 var(--f-serif)}
.gh-d{color:var(--muted);font-size:.93rem}
.gh-m{font-size:.8rem;color:var(--muted);font-variant-numeric:tabular-nums}
.gh-group{display:grid;grid-template-columns:280px minmax(0,1fr);gap:48px;padding:38px 0;border-bottom:1px solid var(--line)}
.gh-side h2{margin:0 0 8px;font-size:1.4rem}
.gh-side p{color:var(--muted);font-size:.93rem;margin:0 0 10px}
.gh-count{font-size:.8rem;font-weight:600;color:var(--navy)}
.gh-rows{list-style:none;margin:0;padding:0;border-top:1px solid var(--line)}
.gh-rows li{display:flex;justify-content:space-between;gap:24px;align-items:baseline;border-bottom:1px solid var(--line)}
.gh-rows a{display:flex;flex-direction:column;gap:3px;padding:14px 0;color:var(--ink);text-decoration:none;flex:1}
.gh-rows a:hover .gh-t{color:var(--link)}
.gh-rows .gh-m{white-space:nowrap}
.gh-cta{margin-top:48px;padding:26px 28px;background:var(--navy);color:#fff;display:flex;justify-content:space-between;align-items:center;gap:28px;flex-wrap:wrap}
.gh-cta p{margin:0;color:rgba(255,255,255,.8);max-width:36em}
.gh-cta .gh-cta-h{font:800 1.3rem var(--f-serif);color:#fff;margin-bottom:4px}
.gh-cta form{display:flex}
.gh-cta input{width:150px;font:600 1.1rem var(--f-sans);padding:12px 14px;border:0;background:#fff;color:#121821}
.gh-cta button{font:650 1rem var(--f-sans);padding:0 20px;border:0;background:var(--gold);color:#121821;cursor:pointer}
@media (max-width:900px){.gh-feat{grid-template-columns:1fr 1fr}.gh-group{grid-template-columns:1fr;gap:12px}}
@media (max-width:560px){.gh-feat{grid-template-columns:1fr}.gh-rows li{flex-direction:column;gap:0}.gh-rows .gh-m{padding-bottom:12px;margin-top:-8px}}
.home-guides .more{margin-top:14px;font-weight:600}
@media (max-width:900px){.gh-list{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.gh-list{grid-template-columns:1fr}}
.subbar a{transition:background .12s,color .12s}
.subbar a:hover{background:var(--t);color:#fff}
.subbar .is-here{background:var(--t)!important;color:#fff!important}

/* comments */
.comments{margin-top:2.8em;padding-top:4px}
.comments h2{margin-bottom:6px}
.cm-intro{color:var(--muted)}
.cm-thread{border-top:1px solid var(--line);padding:16px 0 4px}
.cm{margin-bottom:12px}
.cm.is-staff{margin-left:22px;padding:12px 16px;background:var(--soft);border:1px solid var(--line)}
.cm-who{margin:0 0 4px;font-size:.9rem}.cm-who span{color:var(--muted);margin-left:6px}
.cm-body{margin:0}
.cm-form{margin-top:18px;padding:20px;border:1px solid var(--line);background:var(--surface);display:grid;gap:10px}
.cm-form label{font-size:.85rem;font-weight:600}.cm-form label span{font-weight:400;color:var(--muted)}
.cm-form textarea,.cm-form input[type=text]{width:100%;font:400 1rem var(--f-sans);padding:10px 12px;border:1px solid var(--rule);background:var(--bg);color:var(--ink)}
.cm-row{display:flex;gap:14px;align-items:flex-end;flex-wrap:wrap}.cm-row>div{flex:1;min-width:200px;display:grid;gap:6px}
.cm-form button{font:600 1rem var(--f-sans);padding:11px 22px;border:0;background:var(--navy);color:#fff;cursor:pointer}
.cm-form button:disabled{opacity:.6;cursor:default}
.cm-note{margin:0;font-size:.82rem;color:var(--muted)}
.cm-msg{margin:0;font-weight:600}.cm-msg.ok{color:var(--gain)}.cm-msg.err{color:var(--c-poor)}
.cm-send{justify-content:space-between;align-items:center}
.cm-send .cm-note{flex:1;min-width:220px}
.cm-form input[type=email]{width:100%;font:400 1rem var(--f-sans);padding:10px 12px;border:1px solid var(--rule);background:var(--bg);color:var(--ink)}
.subbar a,.subbar span:not(.subbar-l){padding-inline:9px}
@media (max-width:1199px){.subbar .sb-x:not(.is-here){display:none}}
/* Product-specific targets and loan comparison. */
.product-thresholds{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin:20px 0}.product-thresholds>div{border-top:3px solid var(--link);padding:16px 0}.product-thresholds h3{margin:0 0 10px}.product-thresholds p{margin:8px 0}.comparison{padding:30px 0;border-top:1px solid var(--line);margin:24px 0}.comparison-form{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin:20px 0}.comparison-form label{display:flex;flex-direction:column;gap:6px;font-weight:600}.comparison-form input,.comparison-form select{width:100%;min-width:0;padding:10px;border:1px solid var(--line);background:var(--surface);color:var(--ink);font:inherit}.comparison-form button,.quick-score button{padding:10px 16px;background:var(--link);color:var(--bg);border:0;font:inherit;cursor:pointer}.comparison-form button{align-self:end;min-height:44px}.comparison-result{font-size:1.15rem;margin:20px 0}.scenario-note{padding:12px}.quick-score{display:flex;flex-wrap:wrap;gap:12px;align-items:center}.quick-score input{max-width:130px;padding:10px}.comparison caption{text-align:left;padding:12px 0}.comparison :focus-visible,.quick-score :focus-visible{outline:3px solid var(--gold);outline-offset:3px}
@media(max-width:700px){.product-thresholds,.comparison-form{grid-template-columns:1fr}.nav{gap:12px;flex-wrap:wrap}.nav a{font-size:.8rem}.top-in{flex-wrap:wrap}.product-thresholds{gap:8px}}
.home-grid>*{min-width:0}.check-row input{min-width:0}
@media(max-width:380px){.check-row{flex-wrap:wrap}.check-row input,.check-row button{width:100%}.hc-top{flex-wrap:wrap}.home-chart{padding:16px}.nav{margin-left:0}.top-in{gap:0}.quick-score label{width:100%}}
.layout>*{min-width:0}.comparison .ctable{min-width:420px}
/* Loan tools: same financial-reference typography and geometry as the score cards. */
.worth-note{margin:12px 0 20px;font-size:.78rem;color:var(--muted)}
.worth-actions{display:grid;grid-template-columns:1.15fr 1fr;border:1px solid var(--line);background:var(--soft);margin-top:20px}
.quick-score{display:flex;justify-content:space-between;align-items:center;gap:24px;padding:22px 24px;margin:0}
.quick-score label{font:700 .95rem/1.4 var(--f-serif);color:var(--ink)}
.quick-score label span{display:block;font:400 .78rem/1.5 var(--f-sans);color:var(--muted);margin-top:4px}
.quick-score-control{display:flex;flex:0 0 auto;align-items:stretch}
.quick-score .quick-score-control input{max-width:none;width:104px;min-width:0;min-height:46px;margin:0;padding:10px 12px;background:var(--surface);color:var(--ink);border:1px solid var(--line);border-right:0;font:700 1.1rem var(--f-serif);box-shadow:none}
.quick-score .quick-score-control button{min-height:46px;border:1px solid var(--navy);background:var(--navy);color:#fff;font:600 .8rem var(--f-sans);padding:10px 14px;white-space:nowrap;cursor:pointer}
.quick-score-control button span{margin-left:8px}
.worth-personalize{border-left:1px solid var(--line);display:flex;flex-direction:column;justify-content:center;gap:5px;padding:22px 26px;text-decoration:none}
.worth-action-label{font:600 .68rem var(--f-sans);letter-spacing:.09em;text-transform:uppercase;color:var(--muted)}
.worth-personalize>span:last-child{font:700 .94rem/1.5 var(--f-serif)}
.worth-personalize b{margin-left:10px;font-weight:500}.worth-personalize:hover{background:var(--soft-2)}
.comparison{margin:36px 0;padding:0;border:1px solid var(--line);box-shadow:var(--shadow);background:var(--surface)}
.comparison-heading{display:flex;align-items:center;justify-content:space-between;gap:24px;background:var(--navy);color:#fff;padding:28px 30px;border-top:3px solid var(--gold)}
.comparison .comparison-eyebrow{display:block;font:600 .65rem/1.5 var(--f-sans);letter-spacing:.1em;text-transform:uppercase}
.comparison-heading .comparison-eyebrow{color:#D4B77E;margin-bottom:9px}
.comparison .comparison-heading h2{font-size:clamp(1.35rem,2.1vw,1.8rem);margin:0 0 8px;line-height:1.18;color:#fff;max-width:22em}
.comparison-heading p{font-size:.85rem;line-height:1.5;margin:0;color:#C2CEDB}
.comparison-data{flex-shrink:0;font-size:.68rem;line-height:1.6;color:#C2CEDB;border-left:1px solid #435469;padding-left:22px}
.comparison-data span{display:block;font-size:.78rem;color:#fff;font-weight:600}
.comparison-workspace{display:grid;grid-template-columns:minmax(270px,.9fr) minmax(0,1.2fr)}
.comparison .comparison-form{display:flex;flex-direction:column;gap:22px;margin:0;padding:28px;background:var(--soft);border-right:1px solid var(--line)}
.comparison-form label{font:600 .73rem/1.4 var(--f-sans);gap:8px;color:var(--muted);min-width:0}
.comparison-form input[type=number]{font:700 1.15rem/1.2 var(--f-serif);height:50px;padding:12px;border:1px solid var(--line);color:var(--ink);background:var(--surface);box-shadow:none;appearance:textfield}
.comparison-form input::-webkit-inner-spin-button{appearance:none}
.comparison-products{border:0;padding:0;margin:0;min-width:0}
.comparison-products legend{padding:0;margin-bottom:9px;font:600 .73rem/1.4 var(--f-sans);color:var(--muted)}
.comparison-products>div{display:grid;grid-template-columns:1fr 1fr;gap:0}
.comparison-products label{display:block;position:relative;cursor:pointer}
.comparison-products input{position:absolute;opacity:0;width:1px;height:1px}
.comparison-products label span{display:block;text-align:center;padding:12px 8px;border:1px solid var(--line);font:600 .85rem var(--f-sans);color:var(--muted);background:var(--surface)}
.comparison-products label+label span{border-left:0}
.comparison-products input:checked+span{background:var(--navy);color:#fff;border-color:var(--navy)}
.comparison-products input:focus-visible+span{outline:3px solid var(--gold);outline-offset:2px;position:relative;z-index:1}
.comparison-score-pair{display:grid;grid-template-columns:minmax(0,1fr) 22px minmax(0,1fr);align-items:end;gap:8px}
.comparison-score-pair input[type=number]{font-size:1.65rem;height:60px}
.comparison-arrow{height:60px;display:flex;align-items:center;justify-content:center;color:var(--muted)}
.comparison-loan-pair{display:grid;grid-template-columns:minmax(0,1.4fr) minmax(0,1fr);gap:14px}
.comparison .comparison-form button{align-self:stretch;display:flex;align-items:center;justify-content:space-between;background:var(--gold);color:var(--navy);border:1px solid var(--gold);font:700 .9rem var(--f-sans);padding:14px 16px;min-height:50px;cursor:pointer}
.comparison-form button:hover{filter:brightness(.96)}
.comparison .comparison-form-note{font-size:.7rem;line-height:1.5;color:var(--muted);margin:-12px 0 0}
.comparison-output{min-width:0;padding:28px}
.comparison-highlight{border-top:3px solid var(--gain);padding-top:17px;margin-bottom:20px}
.comparison-highlight .comparison-eyebrow{color:var(--muted)}
.comparison-money{font:800 clamp(2.8rem,4.8vw,4rem)/1.15 var(--f-serif);letter-spacing:-.055em;color:var(--gain);margin:10px 0 4px;font-variant-numeric:tabular-nums}
.comparison-money>span{font:500 1rem var(--f-sans);letter-spacing:0;color:var(--muted);margin-left:8px}
.comparison-highlight>p{font-size:.8rem;color:var(--muted);margin:0 0 20px}
.comparison-total{display:flex;justify-content:space-between;gap:12px;padding:14px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line);font-size:.75rem;color:var(--muted)}
.comparison-total strong{font:700 1rem var(--f-serif);color:var(--ink)}
.comparison-highlight.is-higher{border-top-color:var(--c-poor)}.is-higher .comparison-money{color:var(--c-poor)}
.comparison-highlight.is-unavailable{border-top-color:var(--muted)}
.comparison .is-unavailable h3{font-size:1.6rem;line-height:1.2;margin:16px 0 12px}
.comparison .ctable{min-width:360px;font-size:.72rem;margin:0}
.comparison .ctable caption{font-size:.7rem;color:var(--muted);padding:0 0 10px;line-height:1.5;text-align:left}
.comparison .ctable th,.comparison .ctable td{padding:10px 8px}
.comparison .ctable thead th{font-size:.59rem;letter-spacing:.025em}
.comparison .ctable tbody th{font:700 1.1rem var(--f-serif)}
.comparison .comparison-result{font-size:.8rem;line-height:1.65;margin:16px 0 0;color:var(--muted)}
.comparison-footnotes{border-top:1px solid var(--line);padding:18px 28px}
.comparison-footnotes .note{font-size:.7rem;line-height:1.65;margin:0 0 8px}
.comparison-assumptions summary{font-size:.72rem;font-weight:600;cursor:pointer;color:var(--link)}
.comparison-assumptions .fine{font-size:.7rem;margin:10px 0 0}
.comparison .scenario-note{font-size:.73rem;line-height:1.5;background:var(--soft);padding:10px 12px;margin:0 0 16px}
.comparison-reading{display:grid;grid-template-columns:1fr 1fr;border-top:1px solid var(--line);background:var(--soft)}
.comparison-reading a{display:block;text-decoration:none;padding:18px 28px;font:600 .78rem/1.6 var(--f-sans)}
.comparison-reading a+a{border-left:1px solid var(--line)}
.comparison-reading a>span{display:block;font-size:.6rem;font-weight:500;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin-bottom:4px}
.comparison-reading b{font-weight:400;margin-left:5px}.comparison-reading a:hover{background:var(--soft-2)}
@media(max-width:1100px){.worth-actions{grid-template-columns:1fr 1fr}.quick-score{flex-wrap:wrap;gap:12px}.comparison-data{display:none}.page-score .comparison-workspace{grid-template-columns:1fr}.page-score .comparison-form{border-right:0;border-bottom:1px solid var(--line)}}
@media(max-width:700px){.worth-actions{grid-template-columns:1fr}.quick-score{padding:20px}.worth-personalize{border-left:0;border-top:1px solid var(--line);padding:18px 20px}.comparison-workspace{grid-template-columns:1fr}.comparison .comparison-form{border-right:0;border-bottom:1px solid var(--line);padding:22px}.comparison-heading{padding:24px 22px}.comparison-output{padding:22px}.comparison-footnotes{padding:18px 22px}.comparison-reading{grid-template-columns:1fr}.comparison-reading a{padding:16px 22px}.comparison-reading a+a{border-left:0;border-top:1px solid var(--line)}.comparison-money{font-size:3.25rem}.quick-score-control{flex:1 1 auto}.quick-score .quick-score-control input{flex:1;width:80px}.quick-score label{width:100%}.comparison .ctable{min-width:0;font-size:.65rem}.comparison .ctable th,.comparison .ctable td{padding:10px 5px}.comparison .ctable thead th{font-size:.53rem;overflow-wrap:anywhere}.comparison .comparison-heading h2{font-size:1.45rem}}
@media(prefers-color-scheme:dark){.quick-score .quick-score-control button,.comparison-products input:checked+span{background:#243D58;border-color:#243D58}.comparison .comparison-form button{color:#0E2238}}
.quick-score .quick-score-control input{width:120px;appearance:textfield}.quick-score-control input::-webkit-inner-spin-button{appearance:none}
/* Low-score decisions: cash requirements and quarterly auto scenarios. */
.comparison-products>div{grid-template-columns:repeat(3,minmax(0,1fr))}
.comparison-products label span{font-size:.75rem;padding:12px 5px}
.comparison-form select{font:500 .75rem/1.4 var(--f-sans);height:auto;min-height:46px;padding:10px;background:var(--surface);color:var(--ink);width:100%;min-width:0}
.comparison .comparison-model-note{font-size:.72rem;line-height:1.6;color:var(--muted);margin:-10px 0 0}
.comparison .output-model-note{margin:0 0 20px;padding:12px;background:var(--soft)}
.comparison-custom-rates[hidden]{display:none}
.comparison-custom-rates{padding-top:18px;border-top:1px solid var(--line)}
.comparison-custom-rates input[type=number]{font-size:.9rem}
.score-decision{margin:0 0 32px;padding:24px 26px;background:var(--soft)}
.score-decision>.comparison-eyebrow,.fha-cash .comparison-eyebrow,.low-auto .comparison-eyebrow{font:600 .65rem/1.5 var(--f-sans);letter-spacing:.08em;text-transform:uppercase;color:var(--muted);display:block;margin-bottom:10px}
.body .score-decision h2{margin:0 0 16px;font-size:1.65rem}.score-decision p{font-size:.9rem;line-height:1.75}
.score-decision-split{display:grid;grid-template-columns:1fr 1fr;gap:24px;border-top:1px solid var(--line);padding-top:20px;margin-top:20px}
.body .score-decision-split h3{margin:0 0 8px;font-size:1rem}.score-decision-split p{margin:0;font-size:.83rem}
.body .fha-cash{padding:0;border:1px solid var(--line);margin:30px 0;box-shadow:var(--shadow)}
.fha-heading{padding:24px 26px;background:var(--navy);border-top:3px solid var(--gold);color:white}
.fha-cash .fha-heading .comparison-eyebrow{color:#D4B77E}.body .fha-heading h2{color:white;font-size:1.5rem;margin:0 0 10px}.fha-heading p{font-size:.85rem;color:#C2CEDB;margin:0}
.fha-price-form{padding:20px 26px;background:var(--soft);border-bottom:1px solid var(--line);display:flex;align-items:center;justify-content:space-between;gap:20px}
.fha-price-form>label{font-size:.8rem;font-weight:600}.fha-price-form>div{display:flex;min-width:0}
.fha-price-form input{width:145px;min-width:0;padding:12px;background:var(--surface);color:var(--ink);font:700 1.1rem var(--f-serif);border:1px solid var(--line);border-right:0}
.fha-price-form button{font:600 .75rem var(--f-sans);padding:12px 16px;background:var(--navy);color:white;border:0;cursor:pointer}.fha-price-form button span{margin-left:8px}
.fha-cash-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr))}
.fha-cash-grid>div{padding:24px 20px;border-right:1px solid var(--line)}.fha-cash-grid>div:last-child{border-right:0}
.fha-cash-grid strong{display:block;font:800 clamp(1.6rem,2.8vw,2.2rem)/1.15 var(--f-serif);letter-spacing:-.04em;color:var(--ink);overflow-wrap:anywhere}
.fha-cash-grid p{font-size:.73rem;line-height:1.6;color:var(--muted);margin:12px 0 0}
.fha-cash-difference{background:var(--soft)}.fha-cash-difference strong{color:var(--gain)}
.fha-cash-context{padding:18px 26px;border-top:1px solid var(--line)}.fha-cash-context p,.fha-cash-context a{font-size:.73rem;line-height:1.7}.fha-cash-context p{margin:0 0 10px;color:var(--muted)}
.body .low-auto{padding:0;margin:24px 0;border:1px solid var(--line)}
.low-auto-heading{padding:22px 24px;background:var(--soft)}.body .low-auto-heading h3{margin:0 0 10px;font-size:1.3rem}.low-auto-heading p{margin:0;font-size:.78rem;color:var(--muted)}
.low-auto-grid{display:grid;grid-template-columns:1fr 1fr}.low-auto-grid>div{padding:24px;border-top:3px solid var(--gain)}.low-auto-grid>div+div{border-left:1px solid var(--line)}
.low-auto-grid strong{font:800 2.3rem/1.2 var(--f-serif);color:var(--gain);letter-spacing:-.035em}.low-auto-grid p{font-size:.75rem;margin:10px 0 0;color:var(--muted)}
.low-auto>.fine{padding:16px 24px;border-top:1px solid var(--line);margin:0;font-size:.72rem}
@media(max-width:700px){.score-decision{padding:22px 20px}.score-decision-split{grid-template-columns:1fr;gap:20px}.fha-heading{padding:24px 22px}.fha-price-form{padding:20px 22px;flex-direction:column;align-items:stretch;gap:10px}.fha-price-form input{flex:1;width:100px}.fha-cash-grid{grid-template-columns:1fr}.fha-cash-grid>div{border-right:0;border-bottom:1px solid var(--line);padding:20px 22px}.fha-cash-grid>div:last-child{border-bottom:0}.fha-cash-context{padding:18px 22px}.low-auto-grid{grid-template-columns:1fr}.low-auto-grid>div+div{border-left:0;border-top:1px solid var(--line)}.low-auto-grid>div{padding:20px 22px}.low-auto-heading{padding:22px}.body .score-decision h2{font-size:1.4rem}}
@media(prefers-color-scheme:dark){.fha-price-form button{background:#243D58}}
/* Editorial decision panel: contrast and type, with no lateral accent borders. */
.body .score-decision{padding:0;margin:0 0 36px;background:var(--surface);box-shadow:var(--shadow)}
.decision-heading{background:var(--navy);padding:30px 32px;color:white}
.score-decision .decision-heading>.comparison-eyebrow{display:block;color:#D4B77E;font:600 .65rem/1.5 var(--f-sans);letter-spacing:.1em;text-transform:uppercase;margin:0 0 16px}
.body .score-decision .decision-heading h2{font-size:clamp(1.75rem,2.8vw,2.2rem);line-height:1.16;letter-spacing:-.035em;max-width:20em;margin:0 0 18px;color:#fff}
.score-decision .decision-heading p{font-size:.85rem;line-height:1.6;color:#C2CEDB;margin:0;max-width:39em}
.decision-body{padding:26px 30px 30px;border:1px solid var(--line);border-top:0}
.decision-body>p{font-size:.9rem;line-height:1.8;margin:0 0 24px}
.score-decision .score-decision-split{border:0;margin:0;padding:0;gap:16px;align-items:stretch}
.decision-path{display:flex;flex-direction:column;padding:24px;background:var(--soft)}
.decision-path-label{font:600 .65rem/1.4 var(--f-sans);letter-spacing:.09em;text-transform:uppercase;color:var(--muted);margin-bottom:12px}
.body .score-decision .decision-path h3{font-size:1.35rem;line-height:1.2;letter-spacing:-.025em;margin:0 0 14px;max-width:13em}
.score-decision .decision-path p{font-size:.8rem;line-height:1.75;margin:0 0 24px;color:var(--muted)}
.decision-link{display:flex;align-items:center;justify-content:space-between;gap:16px;margin-top:auto;text-decoration:none;font:700 .75rem/1.5 var(--f-sans);color:var(--link)}
.decision-link>span{display:flex;align-items:center;justify-content:center;width:30px;height:30px;flex-shrink:0;background:var(--gold);color:#0E2238;font-size:1rem}
.decision-link:hover{text-decoration:underline}.decision-link:hover>span{background:#D99A2C}
@media(max-width:700px){.decision-heading{padding:26px 22px}.body .score-decision .decision-heading h2{font-size:1.8rem}.decision-body{padding:22px}.decision-path{padding:22px}.score-decision .score-decision-split{gap:14px}.body .score-decision .decision-path h3{font-size:1.3rem}}