.guide{display:grid;grid-gap:32px;gap:32px;margin-top:32px}.guide>*{min-width:0}.guide h2{font-size:1.5rem}.guide .hero-icon{width:46px;height:46px;border-radius:12px}.band .with-icon{gap:16px}.formula{display:flex;flex-wrap:wrap;gap:10px;list-style:none;margin:24px 0 0;padding:0}.formula li{flex:1 1 200px;display:grid;grid-gap:2px;gap:2px;padding:14px 18px;border-radius:14px;background:var(--white);border:1px solid var(--line)}.formula li:last-child{background:var(--ink);border-color:var(--ink);color:#d6d6de}.formula b{font:800 1.35rem/1.2 var(--font-display),sans-serif;color:var(--ink)}.formula li:last-child b{color:var(--gold)}.formula span{font-size:.88rem;color:var(--muted)}.formula li:last-child span{color:#d6d6de}.promo{display:flex;align-items:center;gap:16px;padding:18px 22px;color:var(--ink);text-decoration:none;transition:border-color .15s,transform .15s}.promo:hover{border-color:var(--ink);transform:translateY(-1px)}.promo>span:nth-child(2){flex:1 1}.promo b{display:block;font:700 1.1rem/1.3 var(--font-display),sans-serif}.promo-icon{display:grid;place-items:center;width:52px;height:52px;border-radius:14px;background:var(--gold);flex:none}.rate-head{display:flex;flex-wrap:wrap;align-items:end;justify-content:space-between;gap:12px 24px;margin-bottom:18px}.rate-head h2{margin:0 0 4px}.rate-head p{margin:0;color:var(--muted)}.rate-head label{min-width:240px;font-weight:600}.rate-head select{font-size:1.05rem;font-weight:600;padding:12px 14px;border-radius:12px;border-color:var(--ink)}.rate-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));grid-gap:14px;gap:14px;list-style:none;margin:0;padding:0}.rate-card{display:flex;flex-direction:column;gap:10px;padding:18px;background:var(--white);border:1px solid var(--line);border-radius:var(--radius)}.rate-card h3{display:flex;align-items:center;gap:8px;margin:0;font-size:1rem}.rate{margin:0;color:var(--muted);font-size:.9rem}.rate b{display:block;font:800 1.75rem/1.1 var(--font-display),sans-serif;color:var(--ink);letter-spacing:-.02em}.rate small{display:block;margin-top:2px}.rate.none{color:var(--ink);font-weight:600;flex:1 1}.rate.none small{font-weight:400;color:var(--muted)}.rate-links{display:grid;justify-items:start;grid-gap:6px;gap:6px;margin-top:auto;padding-top:10px;border-top:1px solid var(--line);font-size:.88rem}.rate-links a{display:inline-flex;align-items:center;gap:4px;font-weight:600;color:var(--ink)}.rate-links a:last-child{color:var(--muted);font-weight:500}.sources{max-width:860px;font-size:.88rem;color:var(--muted)}.sources p{margin:0 0 8px}.board-list summary,.sources summary{cursor:pointer;font-weight:600;color:var(--ink)}.board-list ul,.sources ul{margin:10px 0 0;padding-left:18px}.board-list li,.sources li{margin-bottom:4px}.rate-table{padding:0;overflow:hidden}.rate-table h2{margin:0;padding:18px 22px;font-size:1.2rem;border-bottom:1px solid var(--line)}.example table,.rate-table table{width:100%;border-collapse:collapse;font-size:.95rem}.rate-table table{table-layout:fixed}.rate-table thead th:first-child{width:40%}.rate-table td,.rate-table th{padding:12px 22px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}.rate-table thead th{font-size:.75rem;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);font-weight:600;background:#fdfbf4}.rate-table tbody tr:last-child>*{border-bottom:0}.rate-table tbody th{background:none;font-weight:600;white-space:normal}.rate-table tbody th small{display:block;font-weight:400;color:var(--muted)}.rate-table td b{font-size:1.05rem}.num{font-feature-settings:"tnum";font-variant-numeric:tabular-nums;white-space:nowrap}.calc{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(0,1fr);grid-gap:24px;gap:24px;align-items:start}.calc-inputs{display:grid;grid-gap:22px;gap:22px}.calc-inputs>label,.segmented legend{font-weight:600;font-size:.95rem}.unit{position:relative;display:block}.unit input{font-size:1.2rem;font-weight:600;padding-right:64px!important}.unit>span{position:absolute;right:14px;top:50%;transform:translateY(-50%);color:var(--muted);font-weight:500}.segmented{display:flex;gap:8px;margin:0;padding:0;border:0;min-width:0}.segmented legend{padding:0;margin-bottom:8px}.segmented label{flex:1 1;display:block}.segmented input{position:absolute;opacity:0;width:1px;height:1px}.segmented label>span{display:grid;place-items:center;align-content:center;min-height:48px;height:100%;padding:8px 10px;border:1px solid #d6d3c8;border-radius:12px;background:var(--white);font-weight:600;text-align:center;cursor:pointer;transition:border-color .15s,background .15s}.segmented label>span small{display:block;font-weight:400;font-size:.78rem;color:var(--muted)}.segmented input:checked+span{background:var(--green-soft);border-color:var(--ink);box-shadow:inset 0 0 0 1px var(--ink)}.segmented input:focus-visible+span{outline:2px solid var(--green);outline-offset:2px}.assumptions{border-top:1px solid var(--line);padding-top:14px}.assumptions summary{cursor:pointer;font-weight:600}.assumptions p{margin:10px 0 14px;font-size:.88rem;color:var(--muted)}.assumption-grid{grid-template-columns:1fr 1fr}.assumption-grid,.calc-result{display:grid;grid-gap:14px;gap:14px}.calc-result{position:-webkit-sticky;position:sticky;top:92px;padding:28px;border-radius:var(--radius);background:var(--gold);color:var(--ink);box-shadow:var(--shadow)}.calc-result>span{font-size:.8rem;font-weight:700;text-transform:uppercase;letter-spacing:.1em}.calc-result strong{font:800 clamp(2.2rem,5vw,3.2rem)/1 var(--font-display),sans-serif;letter-spacing:-.03em}.calc-result dl{display:grid;grid-template-columns:repeat(3,1fr);grid-gap:8px;gap:8px;margin:0}.calc-result dl div{padding:10px 12px;border-radius:12px;background:rgba(255,255,255,.55)}.calc-result dt{font-size:.78rem;color:#3a3a48}.calc-result dd{margin:2px 0 0;font-weight:700;font-size:1.05rem}.calc-result small{color:#2a2a36}.checklist h2{margin-bottom:14px}.pills{display:flex;flex-wrap:wrap;gap:8px;list-style:none;margin:0 0 16px;padding:0}.pills a{display:inline-block;padding:7px 14px;border-radius:999px;border:1px solid var(--line);color:var(--ink);text-decoration:none;font-weight:500;font-size:.92rem}.pills a:hover{border-color:var(--ink)}.more-link{display:inline-flex;align-items:center;gap:6px;font-weight:600;color:var(--ink)}.promise{display:flex;align-items:center;gap:14px;margin:0;padding:18px 22px;border-radius:var(--radius);background:var(--ink);color:var(--white);font:600 1.1rem/1.4 var(--font-sans),sans-serif}.promise svg{color:var(--gold)}.parts{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));grid-gap:16px;gap:16px;list-style:none;margin:0;padding:0}.part{display:grid;align-content:start;grid-gap:10px;gap:10px;padding:22px}.part h3,.part p{margin:0}.part p{font-size:.93rem;color:#3a3a48}.part .weight{color:var(--muted)}.part .weight b{font:800 2.2rem/1 var(--font-display),sans-serif;color:var(--ink);margin-right:4px}.part-icon{display:grid;place-items:center;width:40px;height:40px;border-radius:12px;background:var(--green-soft);color:var(--ink)}.bar{display:block;height:8px;border-radius:99px;background:linear-gradient(90deg,var(--gold) var(--w),#efeadb 0)}.unscored-note{gap:12px;margin:16px 0 0;color:#3a3a48;font-size:.93rem}.example-head,.unscored-note{display:flex;align-items:center}.example-head{justify-content:space-between;gap:20px;margin-bottom:16px}.example-head p{margin:0;color:#3a3a48}.example td,.example th{padding:12px 8px;text-align:left;border-bottom:1px solid var(--line)}.example th{background:none}.example thead th{font-size:.75rem;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);font-weight:600}.example tfoot>tr>*{border-bottom:0;font-size:1.05rem}.example td:last-child,.example th:last-child{text-align:right}.meter-row{display:flex;align-items:center;gap:10px}.meter-row .bar{flex:1 1;max-width:220px}.guide .faq details{background:var(--white);border:1px solid var(--line);border-radius:14px}.fact-sources{display:grid;grid-gap:0;gap:0;margin:0 0 16px}.fact-sources div{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.4fr);grid-gap:16px;gap:16px;padding:12px 0;border-top:1px solid var(--line)}.fact-sources dt{font-weight:600}.fact-sources dd{margin:0;color:#3a3a48}.board-list{font-size:.93rem}.top-trades{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));grid-gap:16px;gap:16px;list-style:none;margin:0;padding:0}.top-trades a{display:grid;grid-gap:6px;gap:6px;height:100%;color:var(--ink);text-decoration:none;transition:border-color .15s,transform .15s}.top-trades a:hover{border-color:var(--ink);transform:translateY(-2px)}.top-trades .hero-icon{background:var(--gold);color:var(--ink);margin-bottom:8px}.top-trades b{font:700 1.15rem/1.2 var(--font-display),sans-serif}.top-trades .big{font:800 2.4rem/1 var(--font-display),sans-serif;letter-spacing:-.03em}.top-trades small{color:var(--muted)}.trade-groups{columns:380px 2;column-gap:20px}.trade-group{page-break-inside:avoid;break-inside:avoid;margin-bottom:20px;padding:20px 22px 10px}.trade-group h2{font-size:1.2rem;margin-bottom:8px}.trade-group ul{list-style:none;margin:0;padding:0}.trade-group li+li{border-top:1px solid var(--line)}.trade-group a{display:flex;align-items:center;gap:12px;padding:12px 0;color:var(--ink);text-decoration:none;font-weight:600}.trade-group a:hover>span{text-decoration:underline}.trade-group a>span{flex:1 1}.trade-group small{display:block;font-weight:400;color:var(--muted);font-size:.82rem}.trade-group b{font-feature-settings:"tnum";font-variant-numeric:tabular-nums}.state-row{display:grid;grid-template-columns:220px minmax(0,1fr);grid-gap:24px;gap:24px}.state-row h2{margin:0 0 6px}.state-row h2 a{color:var(--ink);text-decoration:none}.state-row h2 a:hover{text-decoration:underline}.state-row header p{margin:0;color:var(--muted)}.city-tiles{display:grid;grid-template-columns:repeat(auto-fill,minmax(180px,1fr));grid-gap:10px;gap:10px;list-style:none;margin:0;padding:0}.city-tiles a{display:grid;grid-gap:2px;gap:2px;height:100%;padding:12px 14px;border:1px solid var(--line);border-radius:12px;color:var(--ink);text-decoration:none;transition:border-color .15s,background .15s}.city-tiles a:hover{border-color:var(--ink);background:#fffdf3}.city-tiles b{font-size:1.02rem}.city-tiles span{font-weight:600;font-size:.9rem}.city-tiles small{color:var(--muted);font-size:.8rem}@media (max-width:960px){.parts,.top-trades{grid-template-columns:repeat(2,minmax(0,1fr))}.calc{grid-template-columns:1fr}.calc-result{position:static;order:-1}.state-row{grid-template-columns:1fr;gap:14px}}@media (max-width:600px){.guide{gap:24px;margin-top:24px}.parts{grid-template-columns:1fr}.top-trades{grid-template-columns:1fr 1fr;gap:10px}.top-trades a{padding:16px}.top-trades .big{font-size:1.9rem}.assumption-grid{grid-template-columns:1fr}.calc-result{padding:22px}.calc-result dl{grid-template-columns:1fr 1fr 1fr}.rate-head label{min-width:0;width:100%}.rate-grid{gap:8px}.rate-card{display:grid;grid-template-columns:1fr auto;grid-gap:6px 12px;gap:6px 12px;padding:14px 16px}.rate{text-align:right}.rate b{font-size:1.3rem}.rate.none{grid-column:1/-1;text-align:left}.rate-links{grid-column:1/-1;display:flex;flex-wrap:wrap;justify-content:space-between;padding-top:8px}.rate-table thead th:first-child{width:46%}.rate-table td,.rate-table th{padding:10px 12px}.rate-table td:nth-child(3),.rate-table thead th:nth-child(3){display:none}.fact-sources div{grid-template-columns:1fr;gap:4px}.promise{font-size:1rem}.example-head{align-items:flex-start}.example td,.example th{padding:10px 4px;font-size:.88rem}.meter-row .bar{display:none}.part{grid-template-columns:auto 1fr;align-items:center;gap:8px 12px;padding:18px}.part>:not(.part-icon,h3){grid-column:1/-1}.city-tiles{grid-template-columns:1fr 1fr}}