:root{--navy:#002868;--green:#00843D;--red:#BF0A30;--light-bg:#F8F9FF;--card-bg:#FFFFFF;--border:#D0D5E8;--text:#1A1F36;--muted:#6B7280;--gold:#C8860A;--gold-light:#FFFBEB;--bond:#1a5276;--muni:#1e8449;--treas:#7b241c;--tips:#6c3483}*{box-sizing:border-box;margin:0;padding:0}body{font-family:'Inter',sans-serif;background:var(--light-bg);color:var(--text);font-size:15px;line-height:1.6}h1,h2,h3,h4{font-family:'Montserrat',sans-serif}.calc-header{background:linear-gradient(135deg,#0a1628 0%,var(--navy) 50%,#1a4a1a 100%);color:#fff;padding:24px 24px 18px;text-align:center;position:relative;overflow:hidden}.calc-header::before{content:'📉';position:absolute;right:20px;top:50%;transform:translateY(-50%);font-size:85px;opacity:.07}.calc-header h1{font-size:clamp(17px,3.5vw,25px);font-weight:800;margin-bottom:5px}.calc-header p{font-size:12.5px;opacity:.85;max-width:700px;margin:0 auto}.header-badges{display:flex;flex-wrap:wrap;gap:6px;justify-content:center;margin-bottom:9px}.hbadge{background:rgba(255,255,255,.15);border:1px solid rgba(255,255,255,.3);border-radius:14px;padding:3px 11px;font-size:11px;font-weight:700}.tab-nav{display:flex;gap:3px;padding:12px 12px 0;background:#fff;border-bottom:2px solid var(--border);overflow-x:auto;scrollbar-width:none}.tab-nav::-webkit-scrollbar{display:none}.tab-btn{flex-shrink:0;padding:8px 13px;border:none;background:none;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;color:var(--muted);cursor:pointer;border-radius:8px 8px 0 0;transition:.2s;white-space:nowrap;border-bottom:3px solid transparent;margin-bottom:-2px}.tab-btn.active{color:var(--navy);border-bottom-color:var(--navy);background:var(--light-bg)}.tab-btn:hover:not(.active){color:var(--navy);background:var(--light-bg)}.tab-pane{display:none;padding:16px 14px}.tab-pane.active{display:block}.two-col{display:grid;grid-template-columns:1fr 1fr;gap:16px;align-items:start}@media(max-width:768px){.two-col{grid-template-columns:1fr}}.card{background:var(--card-bg);border:1px solid var(--border);border-radius:12px;padding:16px;margin-bottom:12px}.card-title{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:700;color:var(--navy);margin-bottom:11px;display:flex;align-items:center;gap:7px;flex-wrap:wrap}.badge{background:var(--navy);color:#fff;font-size:9.5px;padding:2px 7px;border-radius:9px;font-weight:700}.badge-gold{background:var(--gold);color:#fff;font-size:9.5px;padding:2px 7px;border-radius:9px}.badge-green{background:var(--green);color:#fff;font-size:9.5px;padding:2px 7px;border-radius:9px}.badge-red{background:var(--red);color:#fff;font-size:9.5px;padding:2px 7px;border-radius:9px}.form-group{margin-bottom:11px}label{display:block;font-size:11px;font-weight:600;color:var(--muted);margin-bottom:4px;text-transform:uppercase;letter-spacing:.4px}input[type=number],input[type=text],input[type=date],select{width:100%;padding:8px 11px;border:1.5px solid var(--border);border-radius:8px;font-size:13.5px;font-family:'Inter',sans-serif;color:var(--text);background:#fff;transition:.2s;-moz-appearance:textfield}input[type=number]::-webkit-outer-spin-button,input[type=number]::-webkit-inner-spin-button{-webkit-appearance:none}input:focus,select:focus{outline:none;border-color:var(--navy);box-shadow:0 0 0 3px rgba(0,40,104,.1)}.ip{position:relative}.ip .pre{position:absolute;left:10px;top:50%;transform:translateY(-50%);font-size:13px;color:var(--muted);font-weight:600;pointer-events:none}.ip .suf{position:absolute;right:10px;top:50%;transform:translateY(-50%);font-size:12px;color:var(--muted);font-weight:600;pointer-events:none}.ip input{padding-left:24px}.ip input.suf-pad{padding-right:28px;padding-left:11px}.row-2{display:grid;grid-template-columns:1fr 1fr;gap:9px}.row-3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:7px}@media(max-width:480px){.row-2,.row-3{grid-template-columns:1fr}}.result-hero{background:linear-gradient(135deg,var(--navy),#1a3a6b);color:#fff;border-radius:12px;padding:17px;text-align:center;margin-bottom:12px}.result-hero .label{font-size:10.5px;opacity:.8;text-transform:uppercase;letter-spacing:.5px;margin-bottom:3px}.result-hero .value{font-size:36px;font-family:'Montserrat',sans-serif;font-weight:800}.result-hero .subtitle{font-size:11.5px;opacity:.7;margin-top:3px}.result-grid{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-bottom:12px}.ri{background:var(--light-bg);border-radius:9px;padding:10px 12px;border:1px solid var(--border)}.ri .rl{font-size:10.5px;color:var(--muted);font-weight:600;text-transform:uppercase;letter-spacing:.4px;margin-bottom:2px}.ri .rv{font-size:17px;font-family:'Montserrat',sans-serif;font-weight:700;color:var(--navy)}.ri .rs{font-size:10.5px;color:var(--muted);margin-top:2px}.ri.hi{background:var(--green);border-color:var(--green)}.ri.hi .rl,.ri.hi .rv,.ri.hi .rs{color:#fff}.ri.wa{background:#FFF3CD;border-color:#FFCA28}.ri.wa .rv,.ri.wa .rl{color:#7B5800}.ri.go{background:var(--gold-light);border-color:#FDE68A}.ri.go .rv,.ri.go .rl{color:#78350F}.ri.da{background:#FEF2F2;border-color:#FECACA}.ri.da .rv,.ri.da .rl{color:#991B1B}.ri.pu{background:#F5F3FF;border-color:#C4B5FD}.ri.pu .rv,.ri.pu .rl{color:#5B21B6}.yield-cards{display:grid;grid-template-columns:repeat(4,1fr);gap:8px;margin-bottom:12px}@media(max-width:560px){.yield-cards{grid-template-columns:1fr 1fr}}.yc{border-radius:10px;padding:12px;border:2px solid var(--border);text-align:center}.yc.ytw{border-color:var(--red);background:#FEF2F2}.yc.ytm{border-color:var(--navy);background:#EFF6FF}.yc.ytc{border-color:var(--gold);background:var(--gold-light)}.yc.cy{border-color:var(--green);background:#ECFDF5}.yc .yc-lbl{font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.3px;margin-bottom:4px}.yc.ytw .yc-lbl{color:var(--red)}.yc.ytm .yc-lbl{color:var(--navy)}.yc.ytc .yc-lbl{color:var(--gold)}.yc.cy .yc-lbl{color:var(--green)}.yc .yc-val{font-size:20px;font-family:'Montserrat',sans-serif;font-weight:800}.yc .yc-sub{font-size:10px;color:var(--muted);margin-top:2px}.tax-table{width:100%;border-collapse:collapse;font-size:12.5px}.tax-table th{background:var(--navy);color:#fff;padding:7px 10px;text-align:left;font-size:11px;text-transform:uppercase;letter-spacing:.3px}.tax-table td{padding:7px 10px;border-bottom:1px solid var(--border)}.tax-table tr:hover td{background:var(--light-bg)}.tax-table .winner td{background:#ECFDF5;font-weight:700;color:var(--green)}.tax-table .best-val{color:var(--green);font-weight:700}.sens-table{width:100%;border-collapse:collapse;font-size:12px}.sens-table th{background:var(--navy);color:#fff;padding:6px 9px;text-align:right;font-size:10.5px;text-transform:uppercase;letter-spacing:.3px}.sens-table th:first-child{text-align:center}.sens-table td{padding:6px 9px;border-bottom:1px solid var(--border);text-align:right}.sens-table td:first-child{text-align:center;font-weight:700}.sens-table .rate-up td{background:#FEF2F2}.sens-table .rate-dn td{background:#ECFDF5}.sens-table .base td{background:var(--light-bg);font-weight:700}.ladder-row{background:var(--light-bg);border:1px solid var(--border);border-radius:8px;padding:11px;margin-bottom:8px}.ladder-row .lr-head{font-size:11px;font-weight:700;color:var(--navy);margin-bottom:8px;display:flex;align-items:center;gap:8px}.dt{width:100%;border-collapse:collapse;font-size:12px}.dt th{background:var(--navy);color:#fff;padding:6px 9px;text-align:right;font-size:10.5px;text-transform:uppercase;letter-spacing:.3px}.dt th:first-child{text-align:left}.dt td{padding:6px 9px;border-bottom:1px solid var(--border);text-align:right}.dt td:first-child{text-align:left;color:var(--muted)}.dt tr:last-child td{border-bottom:none;font-weight:700;background:var(--light-bg)}.dt tr:hover td{background:var(--light-bg)}.info-box{background:#EFF6FF;border:1px solid #BFDBFE;border-left:4px solid var(--navy);border-radius:8px;padding:10px 12px;font-size:12.5px;color:#1e40af;margin-bottom:11px}.warn-box{background:#FFF3CD;border:1px solid #FFCA28;border-left:4px solid #F59E0B;border-radius:8px;padding:10px 12px;font-size:12.5px;color:#92400E;margin-bottom:11px}.success-box{background:#ECFDF5;border:1px solid #A7F3D0;border-left:4px solid var(--green);border-radius:8px;padding:10px 12px;font-size:12.5px;color:#065F46;margin-bottom:11px}.gold-box{background:var(--gold-light);border:1px solid #FDE68A;border-left:4px solid var(--gold);border-radius:8px;padding:10px 12px;font-size:12.5px;color:#78350F;margin-bottom:11px}.btn-row{display:flex;flex-wrap:wrap;gap:7px;margin-top:12px}.btn{padding:9px 16px;border-radius:8px;font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;cursor:pointer;transition:.2s;border:2px solid transparent;text-transform:uppercase;letter-spacing:.4px;display:inline-flex;align-items:center;gap:5px}.btn-calc{background:var(--green);color:#fff;border-color:var(--green)}.btn-calc:hover{background:#006B31}.btn-clear{background:#fff;color:var(--red);border-color:var(--red)}.btn-clear:hover{background:var(--red);color:#fff}.btn-pdf{background:var(--navy);color:#fff;border-color:var(--navy)}.btn-pdf:hover{background:#001a55}.btn-wa{background:#25D366;color:#fff;border-color:#25D366}.btn-wa:hover{background:#128C7E}.btn-sm{padding:6px 11px;font-size:10.5px}.chart-wrap{position:relative;height:230px;margin-top:8px}.chart-wrap-sm{position:relative;height:175px;margin-top:6px}.chart-wrap-lg{position:relative;height:270px;margin-top:8px}.sect-hd{background:linear-gradient(90deg,var(--navy),#1a3a6b);color:#fff;border-radius:8px;padding:10px 13px;margin-bottom:12px;display:flex;align-items:center;gap:9px}.sect-hd h3{font-size:13px;font-weight:700;margin:0}.spread-badge{display:inline-block;padding:4px 12px;border-radius:20px;font-size:12px;font-weight:700}.sp-ig{background:#ECFDF5;color:#065F46;border:1px solid #A7F3D0}.sp-hy{background:#FFF3CD;color:#92400E;border:1px solid #FFCA28}.sp-di{background:#FEF2F2;color:#991B1B;border:1px solid #FECACA}.hidden{display:none!important}.ad-slot{background:#F1F5F9;border:1px dashed #CBD5E1;border-radius:8px;padding:10px;text-align:center;color:#94A3B8;font-size:12px;margin:11px 0}.bond-type-strip{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:12px}.bt-badge{padding:5px 14px;border-radius:20px;font-size:12px;font-weight:700;cursor:default}.bt-corp{background:#EFF6FF;color:var(--bond);border:1px solid #BFDBFE}.bt-muni{background:#ECFDF5;color:var(--muni);border:1px solid #A7F3D0}.bt-treas{background:#FEF2F2;color:var(--treas);border:1px solid #FECACA}.bt-tips{background:#F5F3FF;color:var(--tips);border:1px solid #C4B5FD}.calc-header{background:linear-gradient(135deg,#0a1628 0%,var(--navy) 50%,#1a4a1a 100%);color:#fff;padding:24px 24px 18px;text-align:center;position:relative;overflow:hidden}.calc-header::before{content:'📉';position:absolute;right:20px;top:50%;transform:translateY(-50%);font-size:85px;opacity:.07}.calc-header h1{font-size:clamp(17px,3.5vw,25px);font-weight:800;margin-bottom:5px}.calc-header p{font-size:12.5px;opacity:.85;max-width:700px;margin:0 auto}.header-badges{display:flex;flex-wrap:wrap;gap:6px;justify-content:center;margin-bottom:9px}.hbadge{background:rgba(255,255,255,.15);border:1px solid rgba(255,255,255,.3);border-radius:14px;padding:3px 11px;font-size:11px;font-weight:700}.tab-nav{display:flex;gap:3px;padding:12px 12px 0;background:#fff;border-bottom:2px solid var(--border);overflow-x:auto;scrollbar-width:none}.tab-nav::-webkit-scrollbar{display:none}.tab-btn{flex-shrink:0;padding:8px 13px;border:none;background:none;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;color:var(--muted);cursor:pointer;border-radius:8px 8px 0 0;transition:.2s;white-space:nowrap;border-bottom:3px solid transparent;margin-bottom:-2px}.tab-btn.active{color:var(--navy);border-bottom-color:var(--navy);background:var(--light-bg)}.tab-btn:hover:not(.active){color:var(--navy);background:var(--light-bg)}.tab-pane{display:none;padding:16px 14px}.tab-pane.active{display:block}.two-col{display:grid;grid-template-columns:1fr 1fr;gap:16px;align-items:start}@media(max-width:768px){.two-col{grid-template-columns:1fr}}.card{background:var(--card-bg);border:1px solid var(--border);border-radius:12px;padding:16px;margin-bottom:12px}.card-title{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:700;color:var(--navy);margin-bottom:11px;display:flex;align-items:center;gap:7px;flex-wrap:wrap}.badge{background:var(--navy);color:#fff;font-size:9.5px;padding:2px 7px;border-radius:9px;font-weight:700}.badge-gold{background:var(--gold);color:#fff;font-size:9.5px;padding:2px 7px;border-radius:9px}.badge-green{background:var(--green);color:#fff;font-size:9.5px;padding:2px 7px;border-radius:9px}.badge-red{background:var(--red);color:#fff;font-size:9.5px;padding:2px 7px;border-radius:9px}.form-group{margin-bottom:11px}label{display:block;font-size:11px;font-weight:600;color:var(--muted);margin-bottom:4px;text-transform:uppercase;letter-spacing:.4px}input[type=number],input[type=text],input[type=date],select{width:100%;padding:8px 11px;border:1.5px solid var(--border);border-radius:8px;font-size:13.5px;font-family:'Inter',sans-serif;color:var(--text);background:#fff;transition:.2s;-moz-appearance:textfield}input[type=number]::-webkit-outer-spin-button,input[type=number]::-webkit-inner-spin-button{-webkit-appearance:none}input:focus,select:focus{outline:none;border-color:var(--navy);box-shadow:0 0 0 3px rgba(0,40,104,.1)}.ip{position:relative}.ip .pre{position:absolute;left:10px;top:50%;transform:translateY(-50%);font-size:13px;color:var(--muted);font-weight:600;pointer-events:none}.ip .suf{position:absolute;right:10px;top:50%;transform:translateY(-50%);font-size:12px;color:var(--muted);font-weight:600;pointer-events:none}.ip input{padding-left:24px}.ip input.suf-pad{padding-right:28px;padding-left:11px}.row-2{display:grid;grid-template-columns:1fr 1fr;gap:9px}.row-3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:7px}@media(max-width:480px){.row-2,.row-3{grid-template-columns:1fr}}.result-hero{background:linear-gradient(135deg,var(--navy),#1a3a6b);color:#fff;border-radius:12px;padding:17px;text-align:center;margin-bottom:12px}.result-hero .label{font-size:10.5px;opacity:.8;text-transform:uppercase;letter-spacing:.5px;margin-bottom:3px}.result-hero .value{font-size:36px;font-family:'Montserrat',sans-serif;font-weight:800}.result-hero .subtitle{font-size:11.5px;opacity:.7;margin-top:3px}.result-grid{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-bottom:12px}.ri{background:var(--light-bg);border-radius:9px;padding:10px 12px;border:1px solid var(--border)}.ri .rl{font-size:10.5px;color:var(--muted);font-weight:600;text-transform:uppercase;letter-spacing:.4px;margin-bottom:2px}.ri .rv{font-size:17px;font-family:'Montserrat',sans-serif;font-weight:700;color:var(--navy)}.ri .rs{font-size:10.5px;color:var(--muted);margin-top:2px}.ri.hi{background:var(--green);border-color:var(--green)}.ri.hi .rl,.ri.hi .rv,.ri.hi .rs{color:#fff}.ri.wa{background:#FFF3CD;border-color:#FFCA28}.ri.wa .rv,.ri.wa .rl{color:#7B5800}.ri.go{background:var(--gold-light);border-color:#FDE68A}.ri.go .rv,.ri.go .rl{color:#78350F}.ri.da{background:#FEF2F2;border-color:#FECACA}.ri.da .rv,.ri.da .rl{color:#991B1B}.ri.pu{background:#F5F3FF;border-color:#C4B5FD}.ri.pu .rv,.ri.pu .rl{color:#5B21B6}.yield-cards{display:grid;grid-template-columns:repeat(4,1fr);gap:8px;margin-bottom:12px}@media(max-width:560px){.yield-cards{grid-template-columns:1fr 1fr}}.yc{border-radius:10px;padding:12px;border:2px solid var(--border);text-align:center}.yc.ytw{border-color:var(--red);background:#FEF2F2}.yc.ytm{border-color:var(--navy);background:#EFF6FF}.yc.ytc{border-color:var(--gold);background:var(--gold-light)}.yc.cy{border-color:var(--green);background:#ECFDF5}.yc .yc-lbl{font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.3px;margin-bottom:4px}.yc.ytw .yc-lbl{color:var(--red)}.yc.ytm .yc-lbl{color:var(--navy)}.yc.ytc .yc-lbl{color:var(--gold)}.yc.cy .yc-lbl{color:var(--green)}.yc .yc-val{font-size:20px;font-family:'Montserrat',sans-serif;font-weight:800}.yc .yc-sub{font-size:10px;color:var(--muted);margin-top:2px}.tax-table{width:100%;border-collapse:collapse;font-size:12.5px}.tax-table th{background:var(--navy);color:#fff;padding:7px 10px;text-align:left;font-size:11px;text-transform:uppercase;letter-spacing:.3px}.tax-table td{padding:7px 10px;border-bottom:1px solid var(--border)}.tax-table tr:hover td{background:var(--light-bg)}.tax-table .winner td{background:#ECFDF5;font-weight:700;color:var(--green)}.tax-table .best-val{color:var(--green);font-weight:700}.sens-table{width:100%;border-collapse:collapse;font-size:12px}.sens-table th{background:var(--navy);color:#fff;padding:6px 9px;text-align:right;font-size:10.5px;text-transform:uppercase;letter-spacing:.3px}.sens-table th:first-child{text-align:center}.sens-table td{padding:6px 9px;border-bottom:1px solid var(--border);text-align:right}.sens-table td:first-child{text-align:center;font-weight:700}.sens-table .rate-up td{background:#FEF2F2}.sens-table .rate-dn td{background:#ECFDF5}.sens-table .base td{background:var(--light-bg);font-weight:700}.ladder-row{background:var(--light-bg);border:1px solid var(--border);border-radius:8px;padding:11px;margin-bottom:8px}.ladder-row .lr-head{font-size:11px;font-weight:700;color:var(--navy);margin-bottom:8px;display:flex;align-items:center;gap:8px}.dt{width:100%;border-collapse:collapse;font-size:12px}.dt th{background:var(--navy);color:#fff;padding:6px 9px;text-align:right;font-size:10.5px;text-transform:uppercase;letter-spacing:.3px}.dt th:first-child{text-align:left}.dt td{padding:6px 9px;border-bottom:1px solid var(--border);text-align:right}.dt td:first-child{text-align:left;color:var(--muted)}.dt tr:last-child td{border-bottom:none;font-weight:700;background:var(--light-bg)}.dt tr:hover td{background:var(--light-bg)}.info-box{background:#EFF6FF;border:1px solid #BFDBFE;border-left:4px solid var(--navy);border-radius:8px;padding:10px 12px;font-size:12.5px;color:#1e40af;margin-bottom:11px}.warn-box{background:#FFF3CD;border:1px solid #FFCA28;border-left:4px solid #F59E0B;border-radius:8px;padding:10px 12px;font-size:12.5px;color:#92400E;margin-bottom:11px}.success-box{background:#ECFDF5;border:1px solid #A7F3D0;border-left:4px solid var(--green);border-radius:8px;padding:10px 12px;font-size:12.5px;color:#065F46;margin-bottom:11px}.gold-box{background:var(--gold-light);border:1px solid #FDE68A;border-left:4px solid var(--gold);border-radius:8px;padding:10px 12px;font-size:12.5px;color:#78350F;margin-bottom:11px}.btn-row{display:flex;flex-wrap:wrap;gap:7px;margin-top:12px}.btn{padding:9px 16px;border-radius:8px;font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;cursor:pointer;transition:.2s;border:2px solid transparent;text-transform:uppercase;letter-spacing:.4px;display:inline-flex;align-items:center;gap:5px}.btn-calc{background:var(--green);color:#fff;border-color:var(--green)}.btn-calc:hover{background:#006B31}.btn-clear{background:#fff;color:var(--red);border-color:var(--red)}.btn-clear:hover{background:var(--red);color:#fff}.btn-pdf{background:var(--navy);color:#fff;border-color:var(--navy)}.btn-pdf:hover{background:#001a55}.btn-wa{background:#25D366;color:#fff;border-color:#25D366}.btn-wa:hover{background:#128C7E}.btn-sm{padding:6px 11px;font-size:10.5px}.chart-wrap{position:relative;height:230px;margin-top:8px}.chart-wrap-sm{position:relative;height:175px;margin-top:6px}.chart-wrap-lg{position:relative;height:270px;margin-top:8px}.sect-hd{background:linear-gradient(90deg,var(--navy),#1a3a6b);color:#fff;border-radius:8px;padding:10px 13px;margin-bottom:12px;display:flex;align-items:center;gap:9px}.sect-hd h3{font-size:13px;font-weight:700;margin:0}.spread-badge{display:inline-block;padding:4px 12px;border-radius:20px;font-size:12px;font-weight:700}.sp-ig{background:#ECFDF5;color:#065F46;border:1px solid #A7F3D0}.sp-hy{background:#FFF3CD;color:#92400E;border:1px solid #FFCA28}.sp-di{background:#FEF2F2;color:#991B1B;border:1px solid #FECACA}.hidden{display:none!important}.bond-type-strip{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:12px}.bt-badge{padding:5px 14px;border-radius:20px;font-size:12px;font-weight:700;cursor:default}.bt-corp{background:#EFF6FF;color:var(--bond);border:1px solid #BFDBFE}.bt-muni{background:#ECFDF5;color:var(--muni);border:1px solid #A7F3D0}.bt-treas{background:#FEF2F2;color:var(--treas);border:1px solid #FECACA}.bt-tips{background:#F5F3FF;color:var(--tips);border:1px solid #C4B5FD}.hiw-section{background:var(--light-bg);border-top:3px solid var(--navy);padding:0 0 28px;font-family:'Inter',sans-serif}.hiw-header{background:linear-gradient(135deg,#0a1628 0%,var(--navy) 55%,#0f3d1a 100%);color:#fff;padding:22px 20px 16px;text-align:center}.hiw-header-inner{display:flex;align-items:center;justify-content:center;gap:14px;margin-bottom:11px;flex-wrap:wrap}.hiw-header-icon{font-size:36px;line-height:1}.hiw-title{font-family:'Montserrat',sans-serif;font-size:clamp(16px,3.5vw,24px);font-weight:800;margin-bottom:3px;text-align:left}.hiw-subtitle{font-size:12.5px;opacity:.82;text-align:left}.hiw-badge-row{display:flex;flex-wrap:wrap;gap:6px;justify-content:center}.hiw-badge{border-radius:14px;padding:3px 11px;font-size:11px;font-weight:700;border:1px solid rgba(255,255,255,.3)}.hiw-badge-blue{background:rgba(0,40,104,.5)}.hiw-badge-green{background:rgba(0,132,61,.5)}.hiw-badge-gold{background:rgba(200,134,10,.5)}.hiw-badge-red{background:rgba(191,10,48,.5)}.hiw-overview-strip{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border-bottom:2px solid var(--border);background:#fff}@media(max-width:680px){.hiw-overview-strip{grid-template-columns:1fr}}.hiw-overview-item{display:flex;align-items:flex-start;gap:11px;padding:14px 16px;border-right:1px solid var(--border)}.hiw-overview-item:last-child{border-right:none}.hiw-ov-icon{font-size:24px;flex-shrink:0;margin-top:2px}.hiw-ov-text{display:flex;flex-direction:column;gap:3px}.hiw-ov-text strong{font-size:12px;font-weight:700;color:var(--navy);font-family:'Montserrat',sans-serif}.hiw-ov-text span{font-size:11.5px;color:var(--muted);line-height:1.5}.hiw-mod-nav{display:flex;gap:3px;padding:10px 14px 0;background:#fff;border-bottom:2px solid var(--border);overflow-x:auto;scrollbar-width:none}.hiw-mod-nav::-webkit-scrollbar{display:none}.hiw-mod-btn{flex-shrink:0;padding:7px 13px;border:none;background:none;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;color:var(--muted);cursor:pointer;border-radius:8px 8px 0 0;transition:.2s;white-space:nowrap;border-bottom:3px solid transparent;margin-bottom:-2px}.hiw-mod-btn.hiw-mod-active{color:var(--navy);border-bottom-color:var(--navy);background:var(--light-bg)}.hiw-mod-btn:hover:not(.hiw-mod-active){color:var(--navy);background:var(--light-bg)}.hiw-mod-pane{display:none;padding:16px 14px}.hiw-mod-pane.hiw-mod-pane-active{display:block}.hiw-two-col{display:grid;grid-template-columns:1fr 1fr;gap:16px;align-items:start}@media(max-width:768px){.hiw-two-col{grid-template-columns:1fr}}.hiw-card{background:var(--card-bg);border:1px solid var(--border);border-radius:12px;padding:16px;margin-bottom:12px}.hiw-card-title{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:700;color:var(--navy);margin-bottom:11px;display:flex;align-items:center;gap:7px;flex-wrap:wrap}.hiw-step-num{background:var(--navy);color:#fff;font-size:9.5px;padding:2px 7px;border-radius:9px;font-weight:700;white-space:nowrap}.hiw-tag{font-size:9.5px;padding:2px 7px;border-radius:9px;font-weight:700}.hiw-tag-navy{background:var(--navy);color:#fff}.hiw-tag-green{background:var(--green);color:#fff}.hiw-tag-gold{background:var(--gold);color:#fff}.hiw-tag-purple{background:#6c3483;color:#fff}.hiw-intro-text{font-size:12.5px;color:var(--muted);line-height:1.6;margin-bottom:14px;padding-bottom:12px;border-bottom:1px solid var(--border)}.hiw-steps{display:flex;flex-direction:column;gap:12px}.hiw-step{display:flex;gap:12px;align-items:flex-start}.hiw-step-icon{width:30px;height:30px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:'Montserrat',sans-serif;font-size:13px;font-weight:800;flex-shrink:0;margin-top:2px}.hiw-si-blue{background:var(--navy);color:#fff}.hiw-si-green{background:var(--green);color:#fff}.hiw-si-gold{background:var(--gold);color:#fff}.hiw-si-red{background:var(--red);color:#fff}.hiw-step-body strong{display:block;font-size:12.5px;font-weight:700;color:var(--text);margin-bottom:3px}.hiw-step-body p{font-size:12px;color:var(--muted);line-height:1.6;margin:0}.hiw-formula-card{background:#fff;border:1px solid var(--border);border-radius:12px;padding:14px;margin-bottom:12px;border-top:3px solid var(--navy)}.hiw-formula-title{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;color:var(--navy);margin-bottom:10px}.hiw-formula-display{background:#0a1628;border-radius:8px;padding:12px 14px;margin-bottom:10px}.hiw-formula-line{font-family:'Courier New',monospace;font-size:12.5px;color:#7dd3fc;line-height:1.7;letter-spacing:.3px}.hiw-formula-line sub{font-size:9px}.hiw-formula-line sup{font-size:9px}.hiw-formula-legend{display:flex;flex-wrap:wrap;gap:8px 16px;margin-bottom:10px}.hiw-formula-legend span{font-size:11.5px;color:var(--text)}.hiw-formula-legend strong{color:var(--navy)}.hiw-result-item{border-radius:8px;padding:10px 12px;border-left:4px solid;margin-bottom:8px}.hiw-ri-label{font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.4px;margin-bottom:4px}.hiw-ri-desc{font-size:12px;color:var(--muted);line-height:1.6}.hiw-result-item strong{color:inherit}.hiw-ri-navy{background:#EFF6FF;border-color:var(--navy)}.hiw-ri-navy .hiw-ri-label{color:var(--navy)}.hiw-ri-blue{background:#EFF6FF;border-color:#2563EB}.hiw-ri-blue .hiw-ri-label{color:#1D4ED8}.hiw-ri-green{background:#ECFDF5;border-color:var(--green)}.hiw-ri-green .hiw-ri-label{color:var(--green)}.hiw-ri-gold{background:var(--gold-light);border-color:var(--gold)}.hiw-ri-gold .hiw-ri-label{color:var(--gold)}.hiw-ri-red{background:#FEF2F2;border-color:var(--red)}.hiw-ri-red .hiw-ri-label{color:var(--red)}.hiw-ri-purple{background:#F5F3FF;border-color:#7C3AED}.hiw-ri-purple .hiw-ri-label{color:#5B21B6}.hiw-info-box{background:#EFF6FF;border:1px solid #BFDBFE;border-left:4px solid var(--navy);border-radius:8px;padding:10px 12px;font-size:12.5px;color:#1e40af}.hiw-warn-box{background:#FFF3CD;border:1px solid #FFCA28;border-left:4px solid #F59E0B;border-radius:8px;padding:10px 12px;font-size:12.5px;color:#92400E;margin-bottom:12px}.hiw-success-box{background:#ECFDF5;border:1px solid #A7F3D0;border-left:4px solid var(--green);border-radius:8px;padding:10px 12px;font-size:12.5px;color:#065F46;margin-bottom:12px}.hiw-gold-box{background:var(--gold-light);border:1px solid #FDE68A;border-left:4px solid var(--gold);border-radius:8px;padding:10px 12px;font-size:12.5px;color:#78350F;margin-bottom:12px}.hiw-info-box strong,.hiw-warn-box strong,.hiw-success-box strong,.hiw-gold-box strong{font-weight:700}.hiw-methodology{background:#fff;border-top:2px solid var(--border);padding:16px 20px;margin:0 14px;border-radius:0 0 12px 12px;border:1px solid var(--border);border-top:3px solid var(--navy);margin-top:4px}.hiw-meth-inner{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}@media(max-width:768px){.hiw-meth-inner{grid-template-columns:1fr;gap:12px}}.hiw-meth-block{display:flex;gap:11px;align-items:flex-start}.hiw-meth-icon{font-size:22px;flex-shrink:0;margin-top:2px}.hiw-meth-block strong{display:block;font-size:12px;font-weight:700;color:var(--navy);font-family:'Montserrat',sans-serif;margin-bottom:4px}.hiw-meth-block p{font-size:11.5px;color:var(--muted);line-height:1.6;margin:0}.hiw-meth-block a{color:var(--navy);font-weight:600}.hiw-meth-block a:hover{color:var(--green)}@media(max-width:480px){.hiw-header-inner{flex-direction:column;text-align:center}.hiw-title,.hiw-subtitle{text-align:center}.hiw-step{flex-direction:column;gap:6px}.hiw-step-icon{width:26px;height:26px;font-size:11px}.hiw-formula-line{font-size:11px}}.rex-section{background:var(--light-bg);border-top:3px solid var(--green);padding:0 0 10px;font-family:'Inter',sans-serif}.rex-header{background:linear-gradient(135deg,#0a1628 0%,#003060 45%,#0f3d1a 100%);color:#fff;padding:22px 20px 16px;text-align:center}.rex-header-inner{display:flex;align-items:center;justify-content:center;gap:14px;margin-bottom:11px;flex-wrap:wrap}.rex-header-icon{font-size:36px;line-height:1}.rex-title{font-family:'Montserrat',sans-serif;font-size:clamp(16px,3.5vw,23px);font-weight:800;margin-bottom:3px;text-align:left}.rex-subtitle{font-size:12.5px;opacity:.82;text-align:left}.rex-badge-row{display:flex;flex-wrap:wrap;gap:6px;justify-content:center}.rex-badge{border-radius:14px;padding:3px 11px;font-size:11px;font-weight:700;border:1px solid rgba(255,255,255,.3)}.rex-badge-blue{background:rgba(0,40,104,.5)}.rex-badge-dark{background:rgba(30,30,30,.5)}.rex-badge-green{background:rgba(0,132,61,.5)}.rex-badge-muni{background:rgba(0,100,60,.6)}.rex-badge-purple{background:rgba(108,52,131,.6)}.rex-info-box{background:#EFF6FF;border:1px solid #BFDBFE;border-left:4px solid var(--navy);border-radius:8px;padding:10px 13px;font-size:12.5px;color:#1e40af;margin-bottom:4px}.rex-grid{display:flex;flex-direction:column;gap:16px;padding:14px 14px 4px}.rex-card{background:var(--card-bg);border:1px solid var(--border);border-radius:14px;overflow:hidden;box-shadow:0 2px 8px rgba(0,0,0,.06)}.rex-card-header{display:flex;align-items:center;gap:12px;padding:13px 16px;color:#fff;flex-wrap:wrap}.rex-hdr-treasury{background:linear-gradient(90deg,#7b241c,#a93226)}.rex-hdr-corp{background:linear-gradient(90deg,#1a237e,#283593)}.rex-hdr-jpm{background:linear-gradient(90deg,#0d47a1,#1565c0)}.rex-hdr-muni{background:linear-gradient(90deg,#1b5e20,#2e7d32)}.rex-hdr-tips{background:linear-gradient(90deg,#4a148c,#6a1b9a)}.rex-card-num{font-family:'Montserrat',sans-serif;font-size:28px;font-weight:800;opacity:.35;flex-shrink:0;line-height:1}.rex-card-meta{flex:1;min-width:0}.rex-card-name{font-family:'Montserrat',sans-serif;font-size:14px;font-weight:700;margin-bottom:2px}.rex-card-ticker{font-size:11px;opacity:.8}.rex-type-badge{font-size:11px;font-weight:700;border-radius:14px;padding:4px 12px;white-space:nowrap}.rex-tb-treasury{background:rgba(255,255,255,.2);border:1px solid rgba(255,255,255,.4)}.rex-tb-corp{background:rgba(255,255,255,.2);border:1px solid rgba(255,255,255,.4)}.rex-tb-muni{background:rgba(255,255,255,.2);border:1px solid rgba(255,255,255,.4)}.rex-tb-tips{background:rgba(255,255,255,.2);border:1px solid rgba(255,255,255,.4)}.rex-body{padding:14px 16px 16px}.rex-inputs{margin-bottom:13px}.rex-input-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:6px}@media(max-width:560px){.rex-input-grid{grid-template-columns:1fr 1fr}}.rex-inp{background:var(--light-bg);border:1px solid var(--border);border-radius:8px;padding:7px 10px;display:flex;flex-direction:column;gap:2px}.rex-inp-lbl{font-size:9.5px;font-weight:700;text-transform:uppercase;letter-spacing:.4px;color:var(--muted)}.rex-inp-val{font-size:13px;font-weight:700;color:var(--navy);font-family:'Montserrat',sans-serif}.rex-val-discount{color:var(--green)!important}.rex-val-premium{color:var(--red)!important}.rex-steps-title{font-family:'Montserrat',sans-serif;font-size:11.5px;font-weight:700;color:var(--navy);margin-bottom:8px;text-transform:uppercase;letter-spacing:.4px}.rex-steps{display:flex;flex-direction:column;gap:8px;margin-bottom:14px}.rex-step-line{display:flex;gap:10px;align-items:flex-start;background:var(--light-bg);border-radius:8px;padding:9px 11px;border:1px solid var(--border)}.rex-sl-num{width:22px;height:22px;border-radius:50%;background:var(--navy);color:#fff;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:1px}.rex-sl-text{font-size:12px;color:var(--text);line-height:1.6}.rex-sl-text strong{color:var(--navy)}.rex-sl-text em{color:var(--muted);font-style:italic}.rex-results{margin-bottom:12px}.rex-result-hero{border-radius:10px;padding:13px 14px;text-align:center;margin-bottom:8px;background:linear-gradient(135deg,var(--navy),#1a3a6b);color:#fff}.rex-hero-tips{background:linear-gradient(135deg,#4a148c,#6a1b9a)!important}.rex-rh-label{font-size:10px;opacity:.8;text-transform:uppercase;letter-spacing:.5px;margin-bottom:2px}.rex-rh-value{font-family:'Montserrat',sans-serif;font-size:32px;font-weight:800}.rex-rv-treasury{color:#FF8A80}.rex-rv-corp{color:#82B1FF}.rex-rv-jpm{color:#80D8FF}.rex-rv-muni{color:#B9F6CA}.rex-rv-tips{color:#CE93D8}.rex-rh-sub{font-size:11px;opacity:.7;margin-top:2px}.rex-result-grid{display:grid;grid-template-columns:1fr 1fr;gap:7px}.rex-ri{background:var(--light-bg);border:1px solid var(--border);border-radius:8px;padding:8px 11px;display:flex;flex-direction:column;gap:2px}.rex-ri-pu{background:#F5F3FF;border-color:#C4B5FD}.rex-ri-pu .rex-ri-val{color:#5B21B6!important}.rex-ri-hi{background:var(--green);border-color:var(--green)}.rex-ri-hi .rex-ri-lbl,.rex-ri-hi .rex-ri-val{color:#fff!important}.rex-ri-lbl{font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.4px;color:var(--muted)}.rex-ri-val{font-size:15px;font-weight:700;font-family:'Montserrat',sans-serif;color:var(--navy)}.rex-premium{color:var(--red)!important}.rex-discount{color:var(--green)!important}.rex-green-val{color:var(--green)!important}.rex-winner-val{color:var(--green)!important;font-weight:800}.rex-insight{border-radius:8px;padding:10px 12px;font-size:12px;line-height:1.6;border-left:4px solid;margin-bottom:12px}.rex-insight strong{font-weight:700}.rex-insight-blue{background:#EFF6FF;border-color:var(--navy);color:#1e40af}.rex-insight-gold{background:var(--gold-light);border-color:var(--gold);color:#78350F}.rex-insight-muni{background:#ECFDF5;border-color:var(--green);color:#065F46}.rex-insight-purple{background:#F5F3FF;border-color:#7C3AED;color:#5B21B6}.rex-try-btn{width:100%;padding:10px 16px;border-radius:8px;font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;cursor:pointer;border:2px solid;text-transform:uppercase;letter-spacing:.4px;transition:.2s}.rex-try-treasury{background:var(--treas);color:#fff;border-color:var(--treas)}.rex-try-treasury:hover{background:#5d1a15}.rex-try-corp{background:var(--navy);color:#fff;border-color:var(--navy)}.rex-try-corp:hover{background:#001a55}.rex-try-jpm{background:#1565c0;color:#fff;border-color:#1565c0}.rex-try-jpm:hover{background:#0d47a1}.rex-try-muni{background:var(--green);color:#fff;border-color:var(--green)}.rex-try-muni:hover{background:#006B31}.rex-try-tips{background:#6a1b9a;color:#fff;border-color:#6a1b9a}.rex-try-tips:hover{background:#4a148c}.rex-compare-card{background:var(--card-bg);border:1px solid var(--border);border-radius:12px;padding:16px;border-top:3px solid var(--navy)}.rex-compare-title{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:700;color:var(--navy);margin-bottom:12px}.rex-compare-table{width:100%;border-collapse:collapse;font-size:12px}.rex-compare-table th{background:var(--navy);color:#fff;padding:7px 10px;text-align:left;font-size:10.5px;text-transform:uppercase;letter-spacing:.3px}.rex-compare-table td{padding:8px 10px;border-bottom:1px solid var(--border);font-size:12px;vertical-align:middle}.rex-compare-table tr:hover td{background:var(--light-bg)}.rex-winner-row td{background:#ECFDF5;font-weight:700}.rex-winner-cell{color:var(--green);font-weight:800}.rex-dot{display:inline-block;width:10px;height:10px;border-radius:50%;margin-right:5px;vertical-align:middle}.rex-dot-treasury{background:var(--treas)}.rex-dot-aapl{background:var(--navy)}.rex-dot-jpm{background:#1565c0}.rex-dot-muni{background:var(--green)}.rex-dot-tips{background:#6a1b9a}.rex-premium-tag{display:inline-block;background:#FEF2F2;color:var(--red);font-size:10px;font-weight:700;padding:1px 5px;border-radius:4px;margin-right:3px}.rex-discount-tag{display:inline-block;background:#ECFDF5;color:var(--green);font-size:10px;font-weight:700;padding:1px 5px;border-radius:4px;margin-right:3px}.rex-table-note{font-size:11px;color:var(--muted);margin-top:10px;line-height:1.6}.rex-table-note a{color:var(--navy);font-weight:600}@media(max-width:480px){.rex-card-header{flex-direction:column;align-items:flex-start}.rex-card-num{font-size:20px}.rex-rh-value{font-size:26px}.rex-step-line{flex-direction:column;gap:5px}.rex-input-grid{grid-template-columns:1fr 1fr}.rex-compare-table{font-size:11px}.rex-compare-table th,.rex-compare-table td{padding:5px 7px}}.pt-section{background:var(--light-bg);border-top:3px solid var(--gold);padding:0 0 4px;font-family:'Inter',sans-serif}.pt-header{background:linear-gradient(135deg,#0a1628 0%,#1a2a00 40%,#3d2800 100%);color:#fff;padding:22px 20px 16px;text-align:center}.pt-header-inner{display:flex;align-items:center;justify-content:center;gap:14px;margin-bottom:11px;flex-wrap:wrap}.pt-header-icon{font-size:36px;line-height:1}.pt-title{font-family:'Montserrat',sans-serif;font-size:clamp(16px,3.5vw,23px);font-weight:800;margin-bottom:3px;text-align:left}.pt-subtitle{font-size:12.5px;opacity:.82;text-align:left}.pt-badge-row{display:flex;flex-wrap:wrap;gap:6px;justify-content:center}.pt-badge{border-radius:14px;padding:3px 11px;font-size:11px;font-weight:700;border:1px solid rgba(255,255,255,.3)}.pt-badge-gold{background:rgba(200,134,10,.5)}.pt-badge-navy{background:rgba(0,40,104,.5)}.pt-badge-green{background:rgba(0,132,61,.5)}.pt-tips-wrap{display:flex;flex-direction:column;gap:0;padding:14px 14px 4px}.pt-tip{background:var(--card-bg);border:1px solid var(--border);border-radius:12px;overflow:hidden;margin-bottom:10px;box-shadow:0 2px 6px rgba(0,0,0,.05)}.pt-tip-header{display:flex;align-items:center;justify-content:space-between;padding:14px 16px;cursor:pointer;gap:10px;transition:background .15s;flex-wrap:wrap}.pt-tip-header:hover{background:var(--light-bg)}.pt-tip-left{display:flex;align-items:center;gap:13px;flex:1;min-width:0}.pt-tip-num{font-family:'Montserrat',sans-serif;font-size:22px;font-weight:800;flex-shrink:0;line-height:1;width:42px;height:42px;border-radius:10px;display:flex;align-items:center;justify-content:center}.pt-num-gold{background:var(--gold-light);color:var(--gold);border:2px solid #FDE68A}.pt-num-navy{background:#EFF6FF;color:var(--navy);border:2px solid #BFDBFE}.pt-num-green{background:#ECFDF5;color:var(--green);border:2px solid #A7F3D0}.pt-num-red{background:#FEF2F2;color:var(--red);border:2px solid #FECACA}.pt-num-purple{background:#F5F3FF;color:#6D28D9;border:2px solid #C4B5FD}.pt-tip-meta{flex:1;min-width:0}.pt-tip-title{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:700;color:var(--text);margin-bottom:2px;line-height:1.4}.pt-tip-sub{font-size:11.5px;color:var(--muted)}.pt-tip-right{display:flex;align-items:center;gap:8px;flex-shrink:0}.pt-level-badge{font-size:10.5px;font-weight:700;padding:3px 9px;border-radius:12px;white-space:nowrap}.pt-lb-gold{background:var(--gold-light);color:var(--gold);border:1px solid #FDE68A}.pt-lb-navy{background:#EFF6FF;color:var(--navy);border:1px solid #BFDBFE}.pt-lb-green{background:#ECFDF5;color:var(--green);border:1px solid #A7F3D0}.pt-lb-red{background:#FEF2F2;color:var(--red);border:1px solid #FECACA}.pt-lb-purple{background:#F5F3FF;color:#6D28D9;border:1px solid #C4B5FD}.pt-chevron{font-size:11px;color:var(--muted);transition:transform .2s;display:inline-block}.pt-tip-body{padding:0 16px 16px;border-top:1px solid var(--border)}.pt-body-hidden{display:none}.pt-two-col{display:grid;grid-template-columns:1fr 1fr;gap:16px;align-items:start;padding-top:14px}@media(max-width:768px){.pt-two-col{grid-template-columns:1fr}}.pt-body-intro{font-size:12.5px;color:var(--text);line-height:1.7;margin-bottom:13px;padding-bottom:12px;border-bottom:1px solid var(--border)}.pt-body-intro strong{color:var(--navy)}.pt-body-intro em{color:var(--muted)}.pt-example-box{background:var(--light-bg);border:1px solid var(--border);border-radius:10px;padding:12px;margin-bottom:12px}.pt-ex-title{font-family:'Montserrat',sans-serif;font-size:11.5px;font-weight:700;color:var(--navy);margin-bottom:9px}.pt-ex-explain{font-size:12px;color:var(--muted);line-height:1.6;margin:0}.pt-ex-explain strong{color:var(--text)}.pt-compare-strip{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-bottom:10px}@media(max-width:480px){.pt-compare-strip{grid-template-columns:1fr}}.pt-compare-item{border-radius:8px;padding:10px 11px;text-align:center}.pt-ci-wrong{background:#FEF2F2;border:1px solid #FECACA}.pt-ci-right{background:#ECFDF5;border:1px solid #A7F3D0}.pt-ci-label{font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.4px;margin-bottom:4px}.pt-ci-wrong .pt-ci-label{color:var(--red)}.pt-ci-right .pt-ci-label{color:var(--green)}.pt-ci-metric{font-size:11px;color:var(--muted);margin-bottom:3px}.pt-ci-value{font-family:'Montserrat',sans-serif;font-size:22px;font-weight:800;margin-bottom:3px}.pt-ci-wrong .pt-ci-value{color:var(--red)}.pt-ci-right .pt-ci-value{color:var(--green)}.pt-ci-note{font-size:10.5px;color:var(--muted)}.pt-rule-box{background:linear-gradient(135deg,#EFF6FF,#DBEAFE);border:1px solid #BFDBFE;border-left:4px solid var(--navy);border-radius:8px;padding:11px 13px;margin-bottom:12px}.pt-rule-title{font-family:'Montserrat',sans-serif;font-size:11.5px;font-weight:700;color:var(--navy);margin-bottom:6px}.pt-rule-box p{font-size:12px;color:#1e40af;line-height:1.6;margin:0}.pt-rule-box strong{color:var(--navy)}.pt-rule-box em{font-style:italic}.pt-action-card{background:var(--navy);border-radius:10px;padding:13px 14px;margin-bottom:0}.pt-ac-title{font-family:'Montserrat',sans-serif;font-size:11.5px;font-weight:700;color:#7dd3fc;margin-bottom:10px;text-transform:uppercase;letter-spacing:.4px}.pt-action-steps{display:flex;flex-direction:column;gap:8px}.pt-as{display:flex;gap:9px;align-items:flex-start;background:rgba(255,255,255,.07);border-radius:7px;padding:8px 10px}.pt-as-icon{width:20px;height:20px;border-radius:50%;background:var(--gold);color:#fff;font-family:'Montserrat',sans-serif;font-size:10px;font-weight:800;display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:1px}.pt-as span:last-child{font-size:12px;color:rgba(255,255,255,.88);line-height:1.6}.pt-as strong{color:#fff}.pt-quick-rule{background:var(--card-bg);border:1px solid var(--border);border-radius:10px;padding:12px;margin-top:0}.pt-qr-head{font-family:'Montserrat',sans-serif;font-size:11.5px;font-weight:700;color:var(--navy);margin-bottom:9px}.pt-qr-item{display:flex;gap:9px;align-items:flex-start;border-radius:7px;padding:8px 10px;margin-bottom:6px;font-size:12px;line-height:1.6}.pt-qr-item:last-child{margin-bottom:0}.pt-qri-green{background:#ECFDF5;color:#065F46}.pt-qri-navy{background:#EFF6FF;color:#1e40af}.pt-qri-red{background:#FEF2F2;color:#991B1B}.pt-qr-item strong{font-weight:700}.pt-qri-icon{font-size:14px;flex-shrink:0;margin-top:1px}.pt-formula-display{border-radius:10px;overflow:hidden;margin-bottom:12px;border:1px solid var(--border)}.pt-fd-title{background:var(--navy);color:#7dd3fc;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;padding:7px 12px;text-transform:uppercase;letter-spacing:.4px}.pt-fd-body{background:#0a1628;padding:11px 13px}.pt-fd-line{font-family:'Courier New',monospace;font-size:12px;color:#7dd3fc;line-height:1.8}.pt-fd-example{color:#86efac;font-style:italic}.pt-metrics-strip{display:grid;grid-template-columns:repeat(4,1fr);gap:6px;margin-bottom:10px}@media(max-width:480px){.pt-metrics-strip{grid-template-columns:1fr 1fr}}.pt-metric-item{background:#fff;border:1px solid var(--border);border-radius:8px;padding:8px 10px;text-align:center}.pt-mi-label{font-size:9.5px;font-weight:700;text-transform:uppercase;letter-spacing:.3px;color:var(--muted);margin-bottom:3px}.pt-mi-val{font-family:'Montserrat',sans-serif;font-size:16px;font-weight:800}.pt-mi-navy{color:var(--navy)}.pt-mi-red{color:var(--red)}.pt-mi-green{color:var(--green)}.pt-tax-grid{border:1px solid var(--border);border-radius:10px;overflow:hidden;margin-bottom:0}.pt-tax-row{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.2fr;padding:8px 11px;border-bottom:1px solid var(--border);font-size:12px;align-items:center;gap:6px}.pt-tax-row:last-child{border-bottom:none}.pt-tax-header{background:var(--navy);color:#fff;font-family:'Montserrat',sans-serif;font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.3px}.pt-tax-row:nth-child(even):not(.pt-tax-header){background:var(--light-bg)}.pt-tax-good{color:var(--green);font-weight:700}.pt-tax-bad{color:var(--red);font-weight:700}.pt-tax-mid{color:var(--gold);font-weight:700}.pt-at-compare{display:grid;grid-template-columns:repeat(3,1fr);gap:7px;margin-bottom:10px}@media(max-width:480px){.pt-at-compare{grid-template-columns:1fr}}.pt-at-item{background:#fff;border:1px solid var(--border);border-radius:8px;padding:10px 11px;text-align:center}.pt-at-winner{background:#ECFDF5;border-color:var(--green)!important}.pt-at-name{font-size:11px;font-weight:700;color:var(--text);margin-bottom:3px}.pt-at-calc{font-size:10px;color:var(--muted);margin-bottom:5px}.pt-at-result{font-family:'Montserrat',sans-serif;font-size:15px;font-weight:800}.pt-at-loser{color:var(--red)}.pt-at-mid{color:var(--gold)}.pt-at-best{color:var(--green)}.pt-info-box{background:#EFF6FF;border:1px solid #BFDBFE;border-left:4px solid var(--navy);border-radius:8px;padding:10px 12px;font-size:12.5px;color:#1e40af;line-height:1.7}.pt-warn-box{background:#FFF3CD;border:1px solid #FFCA28;border-left:4px solid #F59E0B;border-radius:8px;padding:10px 12px;font-size:12.5px;color:#92400E;margin-bottom:0;line-height:1.6}.pt-success-box{background:#ECFDF5;border:1px solid #A7F3D0;border-left:4px solid var(--green);border-radius:8px;padding:10px 12px;font-size:12.5px;color:#065F46;line-height:1.6}.pt-gold-box{background:var(--gold-light);border:1px solid #FDE68A;border-left:4px solid var(--gold);border-radius:8px;padding:10px 12px;font-size:12.5px;color:#78350F;line-height:1.6}.pt-info-box strong,.pt-warn-box strong,.pt-success-box strong,.pt-gold-box strong{font-weight:700}.pt-cta-strip{background:linear-gradient(135deg,var(--navy),#1a3a6b);margin:4px 14px 14px;border-radius:12px;padding:16px 18px}.pt-cta-inner{display:flex;align-items:center;justify-content:space-between;gap:14px;flex-wrap:wrap}.pt-cta-text{display:flex;flex-direction:column;gap:4px;flex:1;min-width:0}.pt-cta-text strong{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:700;color:#fff}.pt-cta-text span{font-size:12px;color:rgba(255,255,255,.75)}.pt-cta-btn{padding:10px 20px;background:var(--gold);color:#fff;border:none;border-radius:8px;font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;cursor:pointer;white-space:nowrap;text-transform:uppercase;letter-spacing:.4px;transition:.2s;flex-shrink:0}.pt-cta-btn:hover{background:#a06808}@media(max-width:480px){.pt-tip-header{padding:12px 13px}.pt-tip-num{width:36px;height:36px;font-size:16px}.pt-tip-title{font-size:12px}.pt-tip-body{padding:0 13px 13px}.pt-tax-row{grid-template-columns:1fr 1fr;font-size:11px}.pt-tax-row span:nth-child(3){display:none}.pt-level-badge{display:none}}.faq-section{background:var(--light-bg);border-top:3px solid var(--red);padding:0 0 4px;font-family:'Inter',sans-serif}.faq-header{background:linear-gradient(135deg,#0a1628 0%,#002868 50%,#3d0a15 100%);color:#fff;padding:22px 20px 16px;text-align:center}.faq-header-inner{display:flex;align-items:center;justify-content:center;gap:14px;margin-bottom:11px;flex-wrap:wrap}.faq-header-icon{font-size:36px;line-height:1}.faq-title{font-family:'Montserrat',sans-serif;font-size:clamp(16px,3.5vw,23px);font-weight:800;margin-bottom:3px;text-align:left}.faq-subtitle{font-size:12.5px;opacity:.82;text-align:left}.faq-badge-row{display:flex;flex-wrap:wrap;gap:6px;justify-content:center}.faq-badge{border-radius:14px;padding:3px 11px;font-size:11px;font-weight:700;border:1px solid rgba(255,255,255,.3)}.faq-badge-navy{background:rgba(0,40,104,.5)}.faq-badge-green{background:rgba(0,132,61,.5)}.faq-badge-gold{background:rgba(200,134,10,.5)}.faq-cat-nav{display:flex;gap:3px;padding:10px 14px 0;background:#fff;border-bottom:2px solid var(--border);overflow-x:auto;scrollbar-width:none}.faq-cat-nav::-webkit-scrollbar{display:none}.faq-cat-btn{flex-shrink:0;padding:7px 13px;border:none;background:none;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;color:var(--muted);cursor:pointer;border-radius:8px 8px 0 0;transition:.2s;white-space:nowrap;border-bottom:3px solid transparent;margin-bottom:-2px}.faq-cat-active{color:var(--navy);border-bottom-color:var(--navy);background:var(--light-bg)}.faq-cat-btn:hover:not(.faq-cat-active){color:var(--navy);background:var(--light-bg)}.faq-list{padding:14px 14px 4px;display:flex;flex-direction:column;gap:6px}.faq-item{background:var(--card-bg);border:1px solid var(--border);border-radius:10px;overflow:hidden}.faq-item.faq-hidden{display:none}.faq-q{width:100%;display:flex;align-items:center;gap:11px;padding:13px 15px;background:none;border:none;cursor:pointer;text-align:left;transition:background .15s}.faq-q:hover{background:var(--light-bg)}.faq-num{font-family:'Montserrat',sans-serif;font-size:10px;font-weight:800;background:var(--navy);color:#fff;padding:2px 7px;border-radius:8px;flex-shrink:0;white-space:nowrap}.faq-q-text{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:700;color:var(--text);flex:1;line-height:1.4;text-align:left}.faq-icon{font-size:18px;font-weight:300;color:var(--navy);flex-shrink:0;width:22px;text-align:center;transition:transform .2s}.faq-icon.open{transform:rotate(45deg)}.faq-a{padding:0 15px 14px 15px;border-top:1px solid var(--border)}.faq-a p{font-size:13px;color:var(--text);line-height:1.75;margin:12px 0 0}.faq-a p:first-child{margin-top:12px}.faq-a strong{color:var(--navy)}.faq-a em{color:var(--muted)}.faq-formula{background:#0a1628;border-radius:8px;padding:10px 14px;margin:10px 0;font-family:'Courier New',monospace;font-size:12.5px;color:#7dd3fc;overflow-x:auto}.faq-rule-strip{display:grid;grid-template-columns:repeat(3,1fr);gap:7px;margin:10px 0}@media(max-width:560px){.faq-rule-strip{grid-template-columns:1fr}}.faq-rule-item{border-radius:8px;padding:9px 11px;text-align:center;font-size:11.5px}.faq-rule-item strong{display:block;font-size:12px;margin-bottom:3px}.faq-rule-item span{display:block;font-weight:600;margin-bottom:2px}.faq-rule-item small{font-size:10.5px;opacity:.8}.faq-rule-green{background:#ECFDF5;color:#065F46}.faq-rule-navy{background:#EFF6FF;color:var(--navy)}.faq-rule-red{background:#FEF2F2;color:var(--red)}.faq-example-mini{background:var(--light-bg);border:1px solid var(--border);border-radius:8px;padding:10px 12px;margin:10px 0}.faq-em-row{display:flex;justify-content:space-between;align-items:center;padding:4px 0;border-bottom:1px solid var(--border);font-size:12px}.faq-em-row:last-child{border-bottom:none}.faq-em-lbl{color:var(--muted);font-weight:600}.faq-em-val{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:700}.faq-em-navy{color:var(--navy)}.faq-em-green{color:var(--green)}.faq-em-red{color:var(--red)}.faq-em-gold{color:var(--gold)}.faq-em-purple{color:#6D28D9}.faq-em-muted{color:var(--muted)}.faq-ul{font-size:13px;color:var(--text);line-height:1.75;padding-left:18px;margin:8px 0}.faq-ul li{margin-bottom:4px}.faq-ol{font-size:13px;color:var(--text);line-height:1.75;padding-left:18px;margin:8px 0}.faq-ol li{margin-bottom:5px}.faq-ol strong,.faq-ul strong{color:var(--navy)}.faq-data-table{border:1px solid var(--border);border-radius:8px;overflow:hidden;margin:10px 0;font-size:12px}.faq-dt-row{display:grid;grid-template-columns:2fr 1fr 1fr;padding:7px 11px;border-bottom:1px solid var(--border);align-items:center;gap:6px}.faq-dt-row:last-child{border-bottom:none}.faq-dt-head{background:var(--navy);color:#fff;font-family:'Montserrat',sans-serif;font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.3px}.faq-dt-row:nth-child(even):not(.faq-dt-head){background:var(--light-bg)}.faq-val-navy{color:var(--navy);font-weight:700;font-family:'Montserrat',sans-serif}.faq-val-green{color:var(--green);font-weight:700;font-family:'Montserrat',sans-serif}.faq-val-gold{color:var(--gold);font-weight:700;font-family:'Montserrat',sans-serif}.faq-val-purple{color:#6D28D9;font-weight:700;font-family:'Montserrat',sans-serif}.faq-val-red{color:var(--red);font-weight:700;font-family:'Montserrat',sans-serif}.faq-tax-mini{border:1px solid var(--border);border-radius:8px;overflow:hidden;margin:10px 0;font-size:12px}.faq-tm-row{display:grid;grid-template-columns:2fr 1fr 1fr;padding:6px 11px;border-bottom:1px solid var(--border);align-items:center;gap:6px}.faq-tm-row:last-child{border-bottom:none}.faq-tm-head{background:var(--navy);color:#fff;font-family:'Montserrat',sans-serif;font-size:10px;font-weight:700;text-transform:uppercase}.faq-tm-row:nth-child(even):not(.faq-tm-head){background:var(--light-bg)}.faq-good{color:var(--green);font-weight:700}.faq-bad{color:var(--red);font-weight:700}.faq-source{font-size:11px;color:var(--muted);margin-top:10px;padding-top:8px;border-top:1px dashed var(--border)}.faq-source a{color:var(--navy);font-weight:600}.faq-source a:hover{color:var(--green)}.faq-controls{display:flex;align-items:center;gap:8px;flex-wrap:wrap;padding:8px 14px 14px}.faq-ctrl-btn{padding:7px 14px;border-radius:7px;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;cursor:pointer;border:1.5px solid var(--navy);background:#fff;color:var(--navy);transition:.2s}.faq-ctrl-btn:hover{background:var(--navy);color:#fff}.faq-ctrl-note{font-size:11px;color:var(--muted)}@media(max-width:480px){.faq-q-text{font-size:12px}.faq-a p{font-size:12px}.faq-formula{font-size:11px}.faq-dt-row{grid-template-columns:1.5fr 1fr}.faq-dt-row span:last-child{display:none}.faq-tm-row{grid-template-columns:1.5fr 1fr}.faq-tm-row span:last-child{display:none}}.rc-section{background:var(--light-bg);border-top:3px solid var(--gold);padding:0;font-family:'Inter',sans-serif}.rc-header{background:linear-gradient(135deg,#0a1628 0%,var(--navy) 50%,#3d2800 100%);color:#fff;padding:22px 20px 16px;text-align:center}.rc-header-inner{display:flex;align-items:center;justify-content:center;gap:14px;margin-bottom:11px;flex-wrap:wrap}.rc-header-icon{font-size:36px;line-height:1}.rc-title{font-family:'Montserrat',sans-serif;font-size:clamp(16px,3.5vw,23px);font-weight:800;margin-bottom:3px;text-align:left}.rc-subtitle{font-size:12.5px;opacity:.82;text-align:left}.rc-site-link{color:#FCD34D;text-decoration:none;font-weight:700}.rc-site-link:hover{text-decoration:underline}.rc-badge-row{display:flex;flex-wrap:wrap;gap:6px;justify-content:center}.rc-badge{border-radius:14px;padding:3px 11px;font-size:11px;font-weight:700;border:1px solid rgba(255,255,255,.3)}.rc-badge-navy{background:rgba(0,40,104,.5)}.rc-badge-red{background:rgba(191,10,48,.5)}.rc-badge-green{background:rgba(0,132,61,.5)}.rc-badge-gold{background:rgba(200,134,10,.5)}.rc-cat-nav{display:flex;gap:3px;padding:10px 14px 0;background:#fff;border-bottom:2px solid var(--border);overflow-x:auto;scrollbar-width:none}.rc-cat-nav::-webkit-scrollbar{display:none}.rc-cat-btn{flex-shrink:0;padding:7px 13px;border:none;background:none;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;color:var(--muted);cursor:pointer;border-radius:8px 8px 0 0;transition:.2s;white-space:nowrap;border-bottom:3px solid transparent;margin-bottom:-2px}.rc-cat-active{color:var(--navy);border-bottom-color:var(--navy);background:var(--light-bg)}.rc-cat-btn:hover:not(.rc-cat-active){color:var(--navy);background:var(--light-bg)}.rc-group{padding:16px 14px 4px}.rc-group-header{display:flex;align-items:center;gap:11px;margin-bottom:12px}.rc-gh-icon{width:36px;height:36px;border-radius:9px;display:flex;align-items:center;justify-content:center;font-size:18px;flex-shrink:0}.rc-gh-title{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:700;color:var(--navy);margin-bottom:2px}.rc-gh-sub{font-size:11.5px;color:var(--muted)}.rc-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:10px}@media(max-width:900px){.rc-grid{grid-template-columns:repeat(3,1fr)}}@media(max-width:640px){.rc-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:380px){.rc-grid{grid-template-columns:1fr}}.rc-card{background:var(--card-bg);border:1px solid var(--border);border-radius:11px;padding:12px 13px 11px;display:flex;flex-direction:column;gap:7px;text-decoration:none;transition:transform .15s,box-shadow .15s,border-color .15s;position:relative;overflow:hidden}.rc-card::before{content:'';position:absolute;top:0;left:0;right:0;height:3px}.rc-card:hover{transform:translateY(-2px);box-shadow:0 6px 20px rgba(0,0,0,.10)}.rc-card-navy::before{background:var(--navy)}.rc-card-gold::before{background:var(--gold)}.rc-card-green::before{background:var(--green)}.rc-card-red::before{background:var(--red)}.rc-card-blue::before{background:#1565c0}.rc-card-treas::before{background:var(--treas)}.rc-card-navy:hover{border-color:var(--navy)}.rc-card-gold:hover{border-color:var(--gold)}.rc-card-green:hover{border-color:var(--green)}.rc-card-red:hover{border-color:var(--red)}.rc-card-blue:hover{border-color:#1565c0}.rc-card-treas:hover{border-color:var(--treas)}.rc-card-icon{font-size:22px;line-height:1;margin-top:3px}.rc-card-body{flex:1}.rc-card-name{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;color:var(--text);margin-bottom:4px;line-height:1.3}.rc-card-desc{font-size:11px;color:var(--muted);line-height:1.55;margin:0}.rc-card-tag{display:inline-block;margin-top:5px;font-size:9.5px;font-weight:700;padding:2px 7px;border-radius:8px;background:var(--navy);color:#fff}.rc-card-arrow{font-size:14px;color:var(--muted);align-self:flex-end;transition:transform .15s,color .15s}.rc-card:hover .rc-card-arrow{transform:translateX(3px);color:var(--navy)}.rc-group.rc-group-hidden{display:none}.rc-footer{background:linear-gradient(135deg,#0a1628,var(--navy));padding:16px 20px 14px;margin-top:6px}.rc-footer-inner{display:flex;align-items:center;justify-content:space-between;gap:14px;flex-wrap:wrap;margin-bottom:10px}.rc-footer-text{display:flex;flex-direction:column;gap:3px}.rc-footer-text strong{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:700;color:#fff}.rc-footer-text span{font-size:11.5px;color:rgba(255,255,255,.7)}.rc-footer-btn{background:var(--gold);color:#fff;padding:9px 18px;border-radius:8px;font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;text-decoration:none;white-space:nowrap;transition:.2s}.rc-footer-btn:hover{background:#a06808}.rc-footer-links{display:flex;flex-wrap:wrap;gap:6px 16px;border-top:1px solid rgba(255,255,255,.15);padding-top:10px}.rc-footer-links a{font-size:11px;color:rgba(255,255,255,.6);text-decoration:none;transition:.15s}.rc-footer-links a:hover{color:#fff}@media(max-width:480px){.rc-header-inner{flex-direction:column;text-align:center}.rc-title,.rc-subtitle{text-align:center}.rc-footer-inner{flex-direction:column;align-items:flex-start}.rc-footer-btn{width:100%;text-align:center}}.ld-section{background:var(--light-bg);border-top:3px solid var(--red);font-family:'Inter',sans-serif}.ld-header{background:linear-gradient(135deg,#1a0a0a 0%,#3d0a15 40%,#0a1628 100%);color:#fff;padding:20px 20px 14px}.ld-header-inner{display:flex;align-items:center;gap:14px;flex-wrap:wrap}.ld-header-icon{font-size:30px;line-height:1;flex-shrink:0}.ld-title{font-family:'Montserrat',sans-serif;font-size:clamp(15px,3vw,21px);font-weight:800;margin-bottom:3px}.ld-subtitle{font-size:12px;opacity:.80}.ld-body{padding:16px 14px 0}.ld-primary-row{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-bottom:16px}@media(max-width:900px){.ld-primary-row{grid-template-columns:1fr}}.ld-primary-card{border-radius:12px;padding:15px;border:1px solid}.ld-pc-red{background:#FEF2F2;border-color:#FECACA;border-top:3px solid var(--red)}.ld-pc-gold{background:var(--gold-light);border-color:#FDE68A;border-top:3px solid var(--gold)}.ld-pc-navy{background:#EFF6FF;border-color:#BFDBFE;border-top:3px solid var(--navy)}.ld-pc-icon{font-size:24px;margin-bottom:8px;line-height:1}.ld-pc-title{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:700;margin-bottom:9px}.ld-pc-red .ld-pc-title{color:var(--red)}.ld-pc-gold .ld-pc-title{color:#78350F}.ld-pc-navy .ld-pc-title{color:var(--navy)}.ld-pc-text{font-size:12px;line-height:1.7;margin:0 0 8px;color:var(--text)}.ld-pc-text strong{color:var(--navy)}.ld-pc-rule{font-size:11.5px;line-height:1.6;padding:8px 10px;border-radius:7px;margin-top:8px}.ld-pc-red .ld-pc-rule{background:rgba(191,10,48,.06);color:#7f172a;border:1px solid #FECACA}.ld-pc-gold .ld-pc-rule{background:rgba(200,134,10,.08);color:#78350F;border:1px solid #FDE68A}.ld-pc-navy .ld-pc-rule{background:rgba(0,40,104,.06);color:#1e3a8a;border:1px solid #BFDBFE}.ld-authority-block{background:var(--card-bg);border:1px solid var(--border);border-radius:12px;padding:15px;margin-bottom:16px;border-top:3px solid var(--navy)}.ld-ab-header{margin-bottom:13px}.ld-ab-title{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:700;color:var(--navy);margin-bottom:3px}.ld-ab-sub{font-size:12px;color:var(--muted)}.ld-auth-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:8px}@media(max-width:900px){.ld-auth-grid{grid-template-columns:repeat(3,1fr)}}@media(max-width:640px){.ld-auth-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:380px){.ld-auth-grid{grid-template-columns:1fr}}.ld-auth-card{background:var(--light-bg);border:1px solid var(--border);border-radius:9px;padding:10px 11px;text-decoration:none;display:flex;align-items:flex-start;gap:9px;transition:border-color .15s,box-shadow .15s,transform .15s}.ld-auth-card:hover{border-color:var(--navy);box-shadow:0 3px 10px rgba(0,40,104,.10);transform:translateY(-1px)}.ld-auth-flag{font-size:20px;flex-shrink:0;margin-top:1px}.ld-auth-body{flex:1;min-width:0}.ld-auth-name{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;color:var(--navy);margin-bottom:3px;line-height:1.3}.ld-auth-desc{font-size:10.5px;color:var(--muted);line-height:1.5;margin-bottom:4px}.ld-auth-url{font-size:10px;font-weight:700;color:var(--green);font-family:'Courier New',monospace}.ld-auth-arrow{font-size:13px;color:var(--muted);flex-shrink:0;margin-top:1px;transition:color .15s,transform .15s}.ld-auth-card:hover .ld-auth-arrow{color:var(--navy);transform:translate(1px,-1px)}.ld-editorial-block{background:var(--card-bg);border:1px solid var(--border);border-radius:12px;padding:15px;margin-bottom:16px}.ld-two-col{display:grid;grid-template-columns:1fr 1fr;gap:16px}@media(max-width:768px){.ld-two-col{grid-template-columns:1fr}}.ld-block-title{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:700;color:var(--navy);margin-bottom:12px;padding-bottom:8px;border-bottom:1px solid var(--border)}.ld-policy-item{margin-bottom:11px}.ld-pi-head{font-family:'Montserrat',sans-serif;font-size:11.5px;font-weight:700;color:var(--navy);margin-bottom:4px}.ld-pi-text{font-size:12px;color:var(--text);line-height:1.7;margin:0}.ld-pi-text strong{color:var(--navy)}.ld-method-table{border:1px solid var(--border);border-radius:9px;overflow:hidden;font-size:11.5px}.ld-mt-row{display:grid;grid-template-columns:1.6fr 2fr 1fr;padding:6px 10px;border-bottom:1px solid var(--border);align-items:center;gap:6px}.ld-mt-row:last-child{border-bottom:none}.ld-mt-head{background:var(--navy);color:#fff;font-family:'Montserrat',sans-serif;font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.3px}.ld-mt-row:nth-child(even):not(.ld-mt-head){background:var(--light-bg)}.ld-mt-row strong{color:var(--navy)}.ld-mt-tag{font-size:9.5px;font-weight:700;padding:2px 6px;border-radius:6px;display:inline-block;white-space:nowrap}.ld-mt-navy{background:var(--navy);color:#fff}.ld-mt-green{background:var(--green);color:#fff}.ld-mt-red{background:var(--red);color:#fff}.ld-mt-gold{background:var(--gold);color:#fff}.ld-risk-block{background:var(--card-bg);border:1px solid var(--border);border-radius:12px;padding:15px;margin-bottom:0;border-top:3px solid var(--red)}.ld-risk-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-top:2px}@media(max-width:900px){.ld-risk-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:480px){.ld-risk-grid{grid-template-columns:1fr}}.ld-risk-item{background:var(--light-bg);border:1px solid var(--border);border-radius:9px;padding:11px 12px}.ld-ri-head{font-family:'Montserrat',sans-serif;font-size:11.5px;font-weight:700;margin-bottom:6px}.ld-ri-red{color:var(--red)}.ld-ri-gold{color:#78350F}.ld-ri-navy{color:var(--navy)}.ld-ri-text{font-size:11.5px;color:var(--text);line-height:1.65;margin:0}.ld-link{color:var(--navy);font-weight:600;text-decoration:none}.ld-link:hover{color:var(--green);text-decoration:underline}.ld-link-navy{color:var(--navy);font-weight:600;text-decoration:none}.ld-link-navy:hover{color:var(--green)}.ld-info-box{background:#EFF6FF;border:1px solid #BFDBFE;border-left:4px solid var(--navy);border-radius:8px;padding:10px 12px;font-size:12px;color:#1e40af;line-height:1.6}.ld-info-box strong{color:var(--navy)}.ld-legal-footer{background:#0a1628;padding:18px 20px 16px;margin:16px -14px 0}@media(max-width:480px){.ld-legal-footer{margin:16px -14px 0}}.ld-lf-inner{display:flex;flex-direction:column;gap:12px}.ld-lf-logo{display:flex;align-items:center;gap:10px}.ld-lf-logo-icon{font-size:28px;width:44px;height:44px;background:rgba(255,255,255,.1);border-radius:10px;display:flex;align-items:center;justify-content:center;flex-shrink:0}.ld-lf-site{font-family:'Montserrat',sans-serif;font-size:14px;font-weight:700;color:#fff;margin-bottom:2px}.ld-lf-tagline{font-size:11.5px;color:rgba(255,255,255,.6)}.ld-lf-text{border-top:1px solid rgba(255,255,255,.1);padding-top:10px}.ld-lf-text p{font-size:11px;color:rgba(255,255,255,.55);line-height:1.65;margin:0 0 5px}.ld-lf-text p:last-child{margin:0}.ld-lf-links{display:flex;flex-wrap:wrap;gap:6px 16px;border-top:1px solid rgba(255,255,255,.1);padding-top:10px}.ld-lf-links a{font-size:11.5px;color:rgba(255,255,255,.65);text-decoration:none;font-weight:600;transition:.15s}.ld-lf-links a:hover{color:#FCD34D}@media(max-width:480px){.ld-mt-row{grid-template-columns:1.4fr 1.6fr}.ld-mt-row span:last-child{display:none}.ld-lf-logo{flex-direction:column;align-items:flex-start}}