:root{
    --paper:#F2EFE6;
    --paper-deep:#EAE5D6;
    --grid-line:#D9D2BE;
    --ink:#1E2A38;
    --ink-soft:#4A5A68;
    --blueprint:#1F4E79;
    --blueprint-deep:#16324D;
    --blueprint-light:#4C7FA3;
    --blueprint-tint:#E4ECF1;
    --brass:#A9761E;
    --brass-tint:#F4E9D3;
    --brick:#8C3B2E;
    --brick-tint:#F1E1DD;
    --white:#FBFAF6;
    --radius:2px;
    --shadow: 0 1px 0 rgba(30,42,56,0.06);
  }
  *{box-sizing:border-box;}
  :root{color-scheme:light;}
  html{scroll-behavior:smooth;}
  body{
    margin:0;
    background:var(--paper);
    color:var(--ink);
    font-family:'Inter',sans-serif;
    font-size:16px;
    line-height:1.5;
  }
  ::selection{background:var(--blueprint); color:var(--white);}
  h1,h2,h3{font-family:'Fraunces',serif; margin:0; color:var(--blueprint-deep);}
  .mono{font-family:'IBM Plex Mono',monospace;}
  a{color:var(--blueprint);}
  .wrap{max-width:1180px; margin:0 auto; padding:0 24px;}

  /* ---------- Header ---------- */
  header.site{
    background:var(--white);
    border-bottom:2px solid var(--ink);
    position:sticky; top:0; z-index:50;
  }
  .site-bar{display:flex; align-items:center; justify-content:space-between; padding:16px 24px; max-width:1180px; margin:0 auto; position:relative;}
  .brand{display:flex; align-items:baseline; gap:10px; text-decoration:none; cursor:pointer;}
  .brand-mark{
    width:34px; height:34px; border:2px solid var(--blueprint); border-radius:50%;
    display:flex; align-items:center; justify-content:center; flex-shrink:0;
  }
  .brand-mark svg{width:18px; height:18px;}
  .brand-name{font-family:'Fraunces',serif; font-weight:600; font-size:22px; letter-spacing:-0.01em;}
  .brand-tag{font-size:12px; color:var(--ink-soft); font-family:'IBM Plex Mono',monospace; display:none;}
  @media(min-width:720px){ .brand-tag{display:block;} }
  nav.sheet-index{display:none; gap:2px;}
  @media(min-width:960px){ nav.sheet-index{display:flex;} }
  .mobile-menu-btn{
    display:flex; align-items:center; justify-content:center; background:none; border:1px solid var(--ink);
    border-radius:4px; width:38px; height:38px; cursor:pointer; flex-shrink:0;
  }
  @media(min-width:960px){ .mobile-menu-btn{display:none;} }
  nav.sheet-index.mobile-open{
    display:flex; flex-direction:column; position:absolute; top:100%; left:0; right:0; background:var(--white);
    border-bottom:2px solid var(--ink); box-shadow:0 8px 16px rgba(30,42,56,0.12); padding:6px 0; z-index:60; gap:0;
  }
  nav.sheet-index.mobile-open a{padding:13px 24px; border-right:none; border-bottom:1px solid var(--grid-line); font-size:14px;}
  nav.sheet-index a{
    font-family:'IBM Plex Mono',monospace; font-size:12px; color:var(--ink-soft);
    text-decoration:none; padding:8px 10px; border-left:1px solid var(--grid-line);
  }
  nav.sheet-index a:hover{color:var(--blueprint); background:var(--blueprint-tint);}

  .nav-dropdown{position:relative;}
  .nav-dropdown > .dd-trigger{
    display:inline-flex; align-items:center; gap:4px; cursor:pointer;
    font-family:'IBM Plex Mono',monospace; font-size:13px; color:var(--ink-soft);
    padding:8px 12px; text-decoration:none; white-space:nowrap;
  }
  .nav-dropdown > .dd-trigger:hover{color:var(--blueprint); background:var(--blueprint-tint);}
  .nav-dropdown .dd-caret{font-size:9px; transition:transform 0.15s ease;}
  .nav-dropdown .dd-panel{
    display:none; position:absolute; top:100%; left:0; background:var(--white);
    border:1px solid var(--ink); border-radius:var(--radius); box-shadow:0 10px 24px rgba(30,42,56,0.14);
    padding:8px; z-index:70; min-width:340px; grid-template-columns:1fr 1fr; gap:2px;
  }
  .nav-dropdown .dd-panel a{
    display:block; padding:9px 12px; font-family:'IBM Plex Mono',monospace; font-size:13px;
    color:var(--ink-soft); text-decoration:none; border-radius:4px; white-space:nowrap;
  }
  .nav-dropdown .dd-panel a:hover{color:var(--blueprint); background:var(--blueprint-tint);}
  .nav-dropdown .dd-panel a.dd-all{grid-column:1 / -1; color:var(--blueprint); font-weight:600; border-bottom:1px solid var(--grid-line); border-radius:0; margin-bottom:4px;}
  @media(min-width:960px){
    .nav-dropdown:hover .dd-panel, .nav-dropdown.dd-open .dd-panel{display:grid;}
    .nav-dropdown:hover .dd-caret, .nav-dropdown.dd-open .dd-caret{transform:rotate(180deg);}
  }
  nav.sheet-index.mobile-open .nav-dropdown{position:static;}
  /* Mobile: Calculators is a collapsed accordion row so Blog/FAQ/etc. stay on the first screen */
  nav.sheet-index.mobile-open .nav-dropdown .dd-trigger{
    display:flex; justify-content:space-between; align-items:center; width:100%; box-sizing:border-box;
    padding:13px 24px; border-bottom:1px solid var(--grid-line); font-size:14px; color:var(--ink-soft); background:none;
  }
  nav.sheet-index.mobile-open .nav-dropdown .dd-trigger .dd-caret{font-size:11px;}
  nav.sheet-index.mobile-open .nav-dropdown.dd-open .dd-trigger{color:var(--blueprint); background:var(--blueprint-tint);}
  nav.sheet-index.mobile-open .nav-dropdown .dd-panel{
    display:none; position:static; grid-template-columns:1fr; border:none; box-shadow:none;
    padding:0; border-radius:0; min-width:0; background:var(--paper);
  }
  nav.sheet-index.mobile-open .nav-dropdown.dd-open .dd-panel{display:grid;}
  nav.sheet-index.mobile-open .nav-dropdown .dd-panel a{padding:11px 24px 11px 40px; border-bottom:1px solid var(--grid-line); font-size:13.5px; border-radius:0;}

  /* ---------- Ad slot placeholder ---------- */
  .ad-slot{
    border:1px dashed var(--blueprint-light);
    background:repeating-linear-gradient(135deg, var(--blueprint-tint), var(--blueprint-tint) 10px, var(--white) 10px, var(--white) 20px);
    color:var(--blueprint-light);
    font-family:'IBM Plex Mono',monospace; font-size:11px; letter-spacing:0.06em; text-transform:uppercase;
    display:flex; align-items:center; justify-content:center; text-align:center;
    margin:0 auto; border-radius:var(--radius);
  }
  .ad-slot span{background:var(--white); padding:2px 8px;}
  .ad-banner{max-width:1180px; margin:20px auto; height:90px;}
  .ad-in-content{height:100px; margin:48px 0;}
  .ad-sidebar{height:600px; width:100%;}

  /* ---------- Hero ---------- */
  .hero{padding:56px 0 32px;}
  .hero-grid{display:grid; grid-template-columns:1fr; gap:40px;}
  .hero-grid .blue-card{order:-1;}
  @media(min-width:960px){ .hero-grid{grid-template-columns:1.1fr 0.9fr;} .hero-grid .blue-card{order:0;} }
  .eyebrow{
    font-family:'IBM Plex Mono',monospace; font-size:12px; letter-spacing:0.08em; text-transform:uppercase;
    color:var(--blueprint); display:flex; align-items:center; gap:8px; margin-bottom:14px;
  }
  .eyebrow::before{content:''; width:22px; height:1px; background:var(--blueprint);}
  .hero h1{font-size:clamp(34px,5vw,54px); line-height:1.05; font-weight:600; max-width:14ch;}
  .hero p.lede{font-size:17px; color:var(--ink-soft); max-width:46ch; margin-top:18px;}
  .hero-note{margin-top:22px; font-size:13px; color:var(--ink-soft);}

  /* Mini calculator card, blueprint-style */
  .blue-card{
    background:var(--blueprint-deep); color:var(--white);
    border-radius:var(--radius); padding:28px; position:relative;
  }
  .blue-card .sheet-tag{
    font-family:'IBM Plex Mono',monospace; font-size:11px; letter-spacing:0.08em; text-transform:uppercase;
    color:var(--blueprint-light); border:1px solid rgba(255,255,255,0.25); display:inline-block;
    padding:3px 8px; margin-bottom:16px;
  }
  .field-row{display:grid; grid-template-columns:1fr 1fr; gap:12px; margin-bottom:12px;}
  .field{display:flex; flex-direction:column; gap:4px;}
  .field label{font-size:11px; text-transform:uppercase; letter-spacing:0.05em; color:rgba(255,255,255,0.65); font-family:'IBM Plex Mono',monospace;}
  .field input, select.input-select{
    background:rgba(255,255,255,0.08); border:1px solid rgba(255,255,255,0.25); color:var(--white);
    padding:9px 10px; font-family:'IBM Plex Mono',monospace; font-size:14px; border-radius:var(--radius);
    width:100%;
  }
  .field input:focus, select.input-select:focus{outline:2px solid var(--brass); outline-offset:1px; border-color:var(--brass);}
  select.input-select option{color:var(--ink); background-color:var(--white);}
  .dim-result{
    margin-top:22px; padding-top:20px; border-top:1px dashed rgba(255,255,255,0.3);
    display:flex; align-items:flex-end; justify-content:space-between; flex-wrap:wrap; gap:10px;
  }
  .dim-result .big{font-family:'Fraunces',serif; font-size:44px; font-weight:600; line-height:1;}
  .dim-result .big .cents{font-size:20px; opacity:0.7;}
  .dim-result .caption{font-family:'IBM Plex Mono',monospace; font-size:11px; text-transform:uppercase; letter-spacing:0.05em; color:rgba(255,255,255,0.6);}
  .breakdown-mini{display:flex; gap:14px; margin-top:14px; flex-wrap:wrap;}
  .breakdown-mini .chip{font-family:'IBM Plex Mono',monospace; font-size:12px; color:rgba(255,255,255,0.85);}
  .breakdown-mini .chip b{color:var(--white); font-weight:600;}

  /* ---------- Section index / sheet nav ---------- */
  .sheet-strip{
    display:flex; gap:0; overflow-x:auto; border-top:1px solid var(--ink); border-bottom:1px solid var(--ink);
    background:var(--white); position:sticky; top:67px; z-index:40;
  }
  .sheet-strip a{
    font-family:'IBM Plex Mono',monospace; font-size:12px; white-space:nowrap; text-decoration:none; color:var(--ink-soft);
    padding:12px 18px; border-right:1px solid var(--grid-line); flex-shrink:0;
  }
  .sheet-strip a:hover{color:var(--blueprint); background:var(--blueprint-tint);}

  /* ---------- Tool sections ---------- */
  .tool-section{padding:64px 0; border-bottom:1px solid var(--grid-line);}
  .tool-head{display:flex; align-items:baseline; gap:14px; margin-bottom:8px; flex-wrap:wrap;}
  .sheet-num{
    font-family:'IBM Plex Mono',monospace; font-size:13px; color:var(--white); background:var(--blueprint);
    padding:2px 8px; border-radius:var(--radius);
  }
  .tool-section h1, .tool-section h2{font-size:clamp(24px,3vw,32px);}
  .tool-sub{color:var(--ink-soft); max-width:60ch; margin:10px 0 32px; font-size:15px;}

  .tool-layout{display:grid; grid-template-columns:1fr; gap:28px;}
  @media(min-width:900px){ .tool-layout{grid-template-columns:0.85fr 1.15fr;} }

  .panel{
    background:var(--white); border:1px solid var(--ink); border-radius:var(--radius);
    padding:24px; box-shadow:var(--shadow);
  }
  .panel .field{margin-bottom:14px;}
  .panel .field label{color:var(--ink-soft); font-size:11px; text-transform:uppercase; letter-spacing:0.05em; font-family:'IBM Plex Mono',monospace;}
  .panel .field input, .panel select.input-select{
    background:var(--paper); border:1px solid var(--grid-line); color:var(--ink);
    padding:10px 10px; font-family:'IBM Plex Mono',monospace; font-size:14px; border-radius:var(--radius); width:100%;
  }
  .panel .field input:focus, .panel select.input-select:focus{outline:2px solid var(--blueprint); outline-offset:1px; border-color:var(--blueprint);}
  .field-inline{display:grid; grid-template-columns:1fr 1fr; gap:12px;}
  .btn{
    font-family:'IBM Plex Mono',monospace; font-size:13px; text-transform:uppercase; letter-spacing:0.05em;
    background:var(--blueprint); color:var(--white); border:none; padding:11px 18px; border-radius:var(--radius);
    cursor:pointer; margin-top:6px;
  }
  .btn:hover{background:var(--blueprint-deep);}
  .btn.is-stale{background:var(--brass); animation:staleGlow 1.6s ease-out infinite;}
  .btn.is-stale:hover{background:#8f6519;}
  .btn.is-stale::after{content:" \00b7 update needed"; font-size:11px; text-transform:none; letter-spacing:0; opacity:0.85;}
  @keyframes staleGlow{
    0%, 100%{box-shadow:0 0 0 0 rgba(169,118,30,0.35);}
    50%{box-shadow:0 0 0 7px rgba(169,118,30,0);}
  }
  .flash-update{animation:flashRing 700ms ease-out;}
  @keyframes flashRing{
    0%{box-shadow:0 0 0 3px rgba(169,118,30,0.55);}
    100%{box-shadow:0 0 0 3px rgba(169,118,30,0);}
  }
  @media(prefers-reduced-motion: reduce){
    .btn.is-stale{animation:none; box-shadow:0 0 0 2px rgba(169,118,30,0.5);}
    .flash-update{animation:none;}
  }
  .btn:focus-visible{outline:2px solid var(--brass); outline-offset:2px;}
  .btn-secondary{background:transparent; color:var(--blueprint); border:1px solid var(--blueprint);}
  .btn-secondary:hover{background:var(--blueprint-tint);}

  .output{
    background:var(--white); border:1px solid var(--ink); border-radius:var(--radius); padding:24px;
  }
  .stat-row{display:grid; grid-template-columns:repeat(auto-fit,minmax(140px,1fr)); gap:16px; margin-bottom:22px;}
  .stat{border-left:2px solid var(--blueprint); padding-left:12px;}
  .stat.brass{border-color:var(--brass);}
  .stat.brick{border-color:var(--brick);}
  .stat .label{font-family:'IBM Plex Mono',monospace; font-size:11px; text-transform:uppercase; letter-spacing:0.05em; color:var(--ink-soft);}
  .stat .value{font-family:'Fraunces',serif; font-size:26px; font-weight:600; color:var(--ink); margin-top:2px;}

  .bar-compare{display:flex; flex-direction:column; gap:10px; margin:20px 0;}
  .bar-row{display:grid; grid-template-columns:110px 1fr 90px; align-items:center; gap:10px;}
  .bar-row .bar-label{font-family:'IBM Plex Mono',monospace; font-size:12px; color:var(--ink-soft);}
  .bar-track{background:var(--paper-deep); border-radius:var(--radius); height:18px; overflow:hidden;}
  .bar-fill{height:100%; border-radius:var(--radius);}
  .bar-row .bar-value{font-family:'IBM Plex Mono',monospace; font-size:12px; text-align:right;}

  table.amort{width:100%; border-collapse:collapse; font-family:'IBM Plex Mono',monospace; font-size:12px;}
  table.amort th{text-align:right; padding:8px 6px; border-bottom:1px solid var(--ink); color:var(--ink-soft); font-weight:500; text-transform:uppercase; font-size:10px; letter-spacing:0.04em;}
  table.amort th:first-child, table.amort td:first-child{text-align:left;}
  table.amort td{text-align:right; padding:7px 6px; border-bottom:1px solid var(--grid-line);}
  .table-scroll{max-height:320px; overflow-y:auto; margin-top:18px; border:1px solid var(--grid-line);}
  .table-scroll thead th{position:sticky; top:0; background:var(--white);}

  .note-box{
    background:var(--brass-tint); border-left:2px solid var(--brass); padding:14px 16px; margin-top:18px;
    font-size:13.5px; color:var(--ink);
  }
  .note-box b{color:var(--brass);}

  footer.site{padding:48px 0 40px; border-top:2px solid var(--ink); margin-top:20px;}
  footer.site .wrap{display:flex; flex-direction:column; gap:18px;}
  .foot-links{display:flex; gap:0 14px; flex-wrap:wrap; align-items:center; font-family:'IBM Plex Mono',monospace; font-size:14px; row-gap:10px;}
  .foot-links a{color:var(--ink-soft); text-decoration:none; padding:4px 0; display:inline-flex; align-items:center;}
  .foot-links a:hover{color:var(--blueprint);}
  /* Auto-inserted separator after every link except the last — no markup changes needed */
  .foot-links a:not(:last-child)::after{
    content:"\00b7"; color:var(--brass); font-weight:700; margin-left:14px;
    display:inline-block; opacity:0.85;
  }
  .disclaimer{font-size:12px; color:var(--ink-soft); max-width:70ch; line-height:1.6;}

  @media(prefers-reduced-motion: reduce){ html{scroll-behavior:auto;} }

  input:invalid{border-color:var(--brick) !important;}

.section-pad{padding-top:56px; padding-bottom:56px;}
.back-link{display:inline-flex; align-items:center; gap:6px; font-family:'IBM Plex Mono',monospace; font-size:12px; color:var(--ink-soft); text-decoration:none; margin-bottom:18px;}
.back-link:hover{color:var(--blueprint);}

.calc-grid, .blog-grid{display:grid; grid-template-columns:1fr; gap:20px; margin-top:36px;}
@media(min-width:640px){ .calc-grid, .blog-grid{grid-template-columns:1fr 1fr;} }
@media(min-width:960px){ .calc-grid{grid-template-columns:1fr 1fr 1fr;} }

.calc-card, .blog-card{
  display:block; background:var(--white); border:1px solid var(--ink); border-radius:var(--radius);
  padding:22px; text-decoration:none; color:var(--ink); transition:transform 0.1s ease;
}
.calc-card:hover, .blog-card:hover{border-color:var(--blueprint); transform:translateY(-2px);}
.calc-card .sheet-num, .blog-card .sheet-num{margin-bottom:12px; display:inline-block;}
.calc-card h3, .blog-card h3{font-size:19px; margin:0 0 8px;}
.calc-card p, .blog-card p{font-size:14px; color:var(--ink-soft); margin:0; line-height:1.55;}
.calc-card .go{font-family:'IBM Plex Mono',monospace; font-size:12px; color:var(--blueprint); margin-top:14px; display:block;}

.article-body{max-width:68ch; margin:0 auto;}
.article-body h2{font-size:24px; margin:40px 0 14px;}
.article-body h3{font-size:18px; margin:28px 0 10px; color:var(--ink);}
.article-body p{margin:0 0 16px; line-height:1.7; color:var(--ink);}
.article-body ul, .article-body ol{margin:0 0 16px; padding-left:22px; line-height:1.7;}
.article-body li{margin-bottom:6px;}
.article-meta{font-family:'IBM Plex Mono',monospace; font-size:12px; color:var(--ink-soft); margin-bottom:8px;}
.article-title{font-size:clamp(28px,4vw,40px); line-height:1.15; margin-bottom:24px;}
.related-box{
  background:var(--blueprint-tint); border-left:2px solid var(--blueprint); padding:18px 20px; margin:32px 0;
  border-radius:var(--radius);
}
.related-box p{margin:0; font-size:14.5px;}
.related-box a{color:var(--blueprint); font-weight:600;}
.blog-index-item{border-bottom:1px solid var(--grid-line); padding:20px 0;}
.blog-index-item:last-child{border-bottom:none;}
.blog-index-item h3{font-size:19px; margin:0 0 6px;}
.blog-index-item h3 a{color:var(--blueprint-deep); text-decoration:none;}
.blog-index-item h3 a:hover{color:var(--blueprint);}
.blog-index-item p{font-size:14.5px; color:var(--ink-soft); margin:0;}

.faq-list{max-width:70ch;}
.faq-item{border-bottom:1px solid var(--grid-line); padding:16px 0;}
.faq-item summary{cursor:pointer; font-weight:600; font-size:15px; color:var(--ink); list-style:none; position:relative; padding-right:24px;}
.faq-item summary::-webkit-details-marker{display:none;}
.faq-item summary::after{content:"+"; position:absolute; right:0; top:0; font-family:'IBM Plex Mono',monospace; color:var(--blueprint); font-weight:400;}
.faq-item[open] summary::after{content:"\2212";}
.faq-item p{margin:10px 0 0; font-size:14.5px; color:var(--ink-soft); line-height:1.6;}

.share-link-btn{
  display:inline-block; margin-top:16px; background:none; border:1px dashed var(--blueprint-light);
  color:var(--blueprint); font-family:'IBM Plex Mono',monospace; font-size:12px; padding:7px 12px;
  border-radius:var(--radius); cursor:pointer;
}
.share-link-btn:hover{background:var(--blueprint-tint);}
.share-link-btn.copied{border-color:var(--brass); border-style:solid; color:var(--brass);}

/* Visual components for long-form article content */
.quick-take{background:var(--blueprint-tint); border-left:3px solid var(--blueprint); padding:22px 24px; margin:28px 0; border-radius:var(--radius);}
.quick-take .qt-label{font-family:'IBM Plex Mono',monospace; font-size:11px; text-transform:uppercase; letter-spacing:0.05em; color:var(--blueprint); margin-bottom:12px; display:block;}
.quick-take ul{margin:0; padding-left:20px;}
.quick-take li{margin-bottom:8px; font-size:14.5px; line-height:1.5; color:var(--ink);}

.formula-card{background:var(--blueprint-deep); color:var(--white); padding:32px 24px; border-radius:var(--radius); text-align:center; margin:32px 0;}
.formula-card .formula-text{font-family:'Fraunces',serif; font-size:clamp(17px,3vw,24px); font-weight:600; line-height:1.4;}
.formula-card .formula-parts{display:flex; justify-content:center; gap:18px; flex-wrap:wrap; margin-top:14px; font-family:'IBM Plex Mono',monospace; font-size:11px; color:rgba(255,255,255,0.65); text-transform:uppercase; letter-spacing:0.04em;}

.fact-grid{display:grid; grid-template-columns:1fr; gap:14px; margin:26px 0;}
@media(min-width:640px){ .fact-grid{grid-template-columns:1fr 1fr;} }
.fact-card{background:var(--white); border:1px solid var(--grid-line); border-radius:var(--radius); padding:16px 18px;}
.fact-card .fc-tag{font-family:'IBM Plex Mono',monospace; font-size:10px; text-transform:uppercase; letter-spacing:0.05em; color:var(--brass); display:block; margin-bottom:6px;}
.fact-card h4{font-size:14.5px; margin:0 0 6px; color:var(--blueprint-deep);}
.fact-card p{font-size:13px; color:var(--ink-soft); margin:0; line-height:1.5;}

/* Rate-difference interactive widget (blog embed) */
.rd-widget{max-width:600px; margin:32px auto;}
.rd-widget .field{margin-bottom:18px;}
.rd-widget .field label{color:var(--ink-soft) !important;}
.rd-widget .field input{
  background:var(--paper) !important; border:1px solid var(--grid-line) !important; color:var(--ink) !important;
}
.rd-widget .field input:focus{outline:2px solid var(--blueprint); outline-offset:1px; border-color:var(--blueprint);}

.rate-widget-teaser .field label{color:var(--ink-soft) !important;}
.rate-widget-teaser .field input, .rate-widget-teaser .field select.input-select{
  background:var(--paper) !important; border:1px solid var(--grid-line) !important; color:var(--ink) !important;
}
.rate-widget-teaser .field input:focus, .rate-widget-teaser .field select.input-select:focus{outline:2px solid var(--blueprint); outline-offset:1px; border-color:var(--blueprint);}
.rate-widget-teaser select.input-select option{color:var(--ink); background-color:var(--white);}
.rd-widget input[type="range"]{
  width:100%; height:6px; border-radius:3px; background:var(--paper-deep);
  appearance:none; -webkit-appearance:none; margin-top:8px; cursor:pointer;
}
.rd-widget input[type="range"]::-webkit-slider-thumb{
  appearance:none; -webkit-appearance:none; width:20px; height:20px; border-radius:50%;
  background:var(--blueprint); border:2px solid var(--white); box-shadow:0 0 0 1px var(--blueprint); cursor:pointer;
}
.rd-widget input[type="range"]::-moz-range-thumb{
  width:20px; height:20px; border-radius:50%; background:var(--blueprint); border:2px solid var(--white);
  box-shadow:0 0 0 1px var(--blueprint); cursor:pointer;
}
.rd-widget .rd-slider-label{display:flex; justify-content:space-between; align-items:baseline; margin-bottom:2px;}
.rd-widget .rd-slider-value{font-family:'IBM Plex Mono',monospace; font-size:16px; font-weight:600; color:var(--blueprint);}
.rd-widget .rd-note{font-size:12.5px; color:var(--ink-soft); margin-top:14px; line-height:1.5;}

.calc-preview-section{padding:24px 0 64px;}
.calc-preview-grid{display:grid; grid-template-columns:1fr; gap:18px; margin-top:28px;}
@media(min-width:640px){ .calc-preview-grid{grid-template-columns:1fr 1fr;} }
@media(min-width:960px){ .calc-preview-grid{grid-template-columns:1fr 1fr 1fr 1fr;} }
.cp-card{display:block; background:var(--white); border:1px solid var(--grid-line); border-radius:var(--radius); padding:22px; text-decoration:none; color:var(--ink); transition:transform 0.15s ease, box-shadow 0.15s ease;}
.cp-card:hover{transform:translateY(-3px); box-shadow:0 8px 20px rgba(30,42,56,0.08); border-color:var(--blueprint);}
.cp-icon{width:34px; height:34px; border:1.5px solid var(--blueprint); border-radius:8px; display:flex; align-items:center; justify-content:center; margin-bottom:14px; color:var(--blueprint); font-family:'IBM Plex Mono',monospace; font-size:13px; font-weight:600;}
.cp-card h4{font-size:15.5px; margin-bottom:6px;}
.cp-card p{font-size:12.5px; color:var(--ink-soft); line-height:1.5; margin:0;}

.editorial-note{
  border-left:3px solid var(--blueprint-light); background:var(--blueprint-tint);
  padding:14px 18px; margin:28px 0; border-radius:0 var(--radius) var(--radius) 0;
}
.editorial-note p{font-size:13px; color:var(--ink-soft); margin:0; line-height:1.6;}
.article-meta a{color:var(--blueprint); text-decoration:none;}
.article-meta a:hover{text-decoration:underline;}

.pr-verdict{
  font-family:'Fraunces',serif; font-size:20px; font-weight:600; padding:12px 16px;
  border-radius:var(--radius); border-left:4px solid var(--blueprint-light); background:var(--blueprint-tint);
  color:var(--blueprint-deep);
}
.pr-verdict.good{border-left-color:#2e7d54; background:rgba(76,200,140,0.14);}
.pr-verdict.watch{border-left-color:var(--brass); background:rgba(184,134,46,0.14);}
.pr-verdict.poor{border-left-color:var(--brick); background:rgba(200,90,76,0.12);}

  /* ===================== Newsletter signup ===================== */
  .signup-card{
    background:var(--blueprint-tint); border:1px solid var(--grid-line); border-left:3px solid var(--brass);
    padding:24px; margin:36px 0; border-radius:var(--radius);
  }
  .signup-card .su-label{
    font-family:'IBM Plex Mono',monospace; font-size:11px; text-transform:uppercase; letter-spacing:0.05em;
    color:var(--brass); margin-bottom:10px; display:block;
  }
  .signup-card h3{
    font-family:'Fraunces',serif; font-size:21px; font-weight:600; margin:0 0 8px; line-height:1.25; color:var(--ink);
  }
  .signup-card p.su-sub{ font-size:14.5px; color:var(--ink-soft); margin:0 0 16px; line-height:1.5; }
  .signup-form{ display:flex; gap:10px; flex-wrap:wrap; align-items:stretch; }
  .signup-form input[type="email"]{
    flex:1 1 240px; min-width:0;
    background:var(--white); border:1px solid var(--grid-line); color:var(--ink);
    padding:11px 12px; font-family:'IBM Plex Mono',monospace; font-size:14px; border-radius:var(--radius);
  }
  .signup-form input[type="email"]:focus{ outline:2px solid var(--blueprint); outline-offset:1px; border-color:var(--blueprint); }
  .signup-form .btn{ margin-top:0; flex:0 0 auto; }
  .signup-card .su-fine{
    font-size:12px; color:var(--ink-soft); margin:12px 0 0; line-height:1.5;
  }
  .signup-card .su-fine a{ color:var(--ink-soft); }
  .su-hp{ position:absolute; left:-9999px; width:1px; height:1px; overflow:hidden; }
  @media (max-width:560px){
    .signup-form input[type="email"]{ flex:1 1 100%; }
    .signup-form .btn{ width:100%; }
  }

  /* ===================== Glossary ===================== */
  .glossary-list{ display:grid; gap:2px; }
  .gl-item{
    padding:16px 0; border-bottom:1px solid var(--grid-line); scroll-margin-top:80px;
  }
  .gl-item:last-child{ border-bottom:none; }
  .gl-item h3{
    font-family:'IBM Plex Mono',monospace; font-size:13.5px; font-weight:600;
    text-transform:uppercase; letter-spacing:0.03em; color:var(--blueprint); margin:0 0 6px;
  }
  .gl-item p{ margin:0; font-size:15px; line-height:1.6; color:var(--ink); }

  /* --- rate-widget teaser label (light background pages) --- */
  .rwt-label{
    font-family:'IBM Plex Mono',monospace; font-size:11px; text-transform:uppercase;
    letter-spacing:0.05em; color:#9E6600; margin-bottom:10px;
  }

  /* ===================== Mini comparison table ===================== */
  .mini-table{ width:100%; border-collapse:collapse; margin-top:16px; font-size:13.5px; }
  .mini-table th{
    text-align:left; font-family:'IBM Plex Mono',monospace; font-size:11px; text-transform:uppercase;
    letter-spacing:0.05em; color:var(--ink-soft); border-bottom:1px solid var(--grid-line);
    padding:6px 8px 6px 0; font-weight:600;
  }
  .mini-table td{ padding:9px 8px 9px 0; border-bottom:1px solid var(--grid-line); }
  .mini-table td:not(:first-child){ font-family:'IBM Plex Mono',monospace; }
  .mini-table tr.row-best td{ font-weight:600; color:var(--blueprint); }
  .mini-table tr.row-best td:first-child::after{ content:' \2713'; color:var(--brass); }

.tbl-note{font-size:12px; color:var(--ink-soft); font-family:'IBM Plex Mono',monospace; margin:8px 0 22px; line-height:1.5;}

/* --- causal chain diagram (Fed -> prices -> bonds -> mortgage) --- */
.chain{list-style:none; padding:0; margin:24px 0 8px;}
.chain-group{font-family:'IBM Plex Mono',monospace; font-size:11px; text-transform:uppercase; letter-spacing:0.06em; color:var(--ink-soft); margin:24px 0 10px;}
.chain-group:first-child{margin-top:0;}
.chain-step{background:var(--white); border:1px solid var(--grid-line); border-left:3px solid var(--blueprint); border-radius:var(--radius); padding:13px 16px;}
.chain-step b{display:block; font-size:16px; font-weight:600; color:var(--ink); margin-bottom:2px;}
.chain-step span{font-size:13.5px; color:var(--ink-soft); line-height:1.45;}
.chain-step.prices{border-left-color:var(--brick);}
.chain-step.bonds{border-left-color:var(--brass);}
.chain-arrow{text-align:center; color:#9E6600; font-size:18px; line-height:1; margin:5px 0;}
.chain-loop{background:var(--blueprint-tint); border-left:3px solid var(--blueprint); padding:13px 16px; font-size:13.5px; color:var(--ink); margin-top:16px; border-radius:var(--radius);}
.chain-loop b{color:var(--blueprint);}

/* --- rate context card (live FRED data) --- */
.rate-context{background:var(--white); border:1px solid var(--grid-line); border-radius:var(--radius); padding:16px 18px; margin:24px 0;}
.rate-context .rc-head{display:flex; justify-content:space-between; align-items:baseline; margin-bottom:12px;}
.rate-context .rc-label, .rate-context .rc-k, .rate-context .rc-asof, .rate-context .rc-d{font-family:'IBM Plex Mono',monospace; font-size:11px; letter-spacing:0.04em; color:var(--ink-soft);}
.rate-context .rc-label{text-transform:uppercase; color:var(--blueprint);}
.rate-context .rc-grid{display:grid; grid-template-columns:repeat(2,minmax(0,1fr)); gap:10px;}
@media (min-width:700px){.rate-context .rc-grid{grid-template-columns:repeat(4,minmax(0,1fr));}}
.rate-context .rc-stat{background:var(--paper); border-radius:var(--radius); padding:10px 12px;}
.rate-context .rc-v{font-family:'Fraunces',serif; font-size:24px; font-weight:600; color:var(--ink); margin:2px 0;}
.rate-context .rc-d.up{color:var(--brick);} .rate-context .rc-d.down{color:#1D6B3A;}
.rate-context .rc-spark{margin-top:12px;} .rate-context .rc-spark svg{display:block; margin-top:4px;}
.rate-context .rc-axis, .st-axis{font-family:'IBM Plex Mono',monospace; font-size:10px; fill:var(--ink-soft);}
.rate-context .rc-foot{display:flex; justify-content:space-between; align-items:center; margin-top:10px; padding-top:8px; border-top:1px solid var(--grid-line); font-family:'IBM Plex Mono',monospace; font-size:11px; color:var(--ink-soft);}
.rate-context .rc-foot a{color:var(--blueprint); text-decoration:none;}
.rate-context .rc-loading, .rc-fallback{font-family:'IBM Plex Mono',monospace; font-size:12px; color:var(--ink-soft); padding:6px 0;}
/* spread tracker page */
.st-ranges{display:flex; gap:6px; margin-bottom:12px;}
.st-ranges button{font-family:'IBM Plex Mono',monospace; font-size:12px; padding:5px 12px; border:1px solid var(--grid-line); background:var(--white); color:var(--ink-soft); border-radius:var(--radius); cursor:pointer;}
.st-ranges button.is-on{background:var(--blueprint); color:var(--white); border-color:var(--blueprint);}
.st-grid{stroke:var(--grid-line); stroke-width:0.5;} .st-avg{stroke:var(--brass); stroke-width:1; stroke-dasharray:4 3;}
.st-legend{display:flex; gap:18px; font-family:'IBM Plex Mono',monospace; font-size:11px; color:var(--ink-soft); margin:8px 0 16px;}
.st-legend i{display:inline-block; width:14px; height:3px; vertical-align:middle; margin-right:6px;}

/* --- newsletter signup (v2) --- */
.signup-card.su-v2{background:var(--blueprint-deep); border:none; border-left:3px solid var(--brass); color:var(--white); padding:26px 28px;}
.su-v2 .su-label{color:#E0B25C;}
.su-v2 h3{color:var(--white); font-size:22px; margin:0 0 8px;}
.su-v2 p.su-sub{color:#8FBEDD; font-size:15px; margin:0 0 6px;}
.su-v2 ul.su-list{margin:0 0 16px; padding-left:18px; color:#D6E4EE; font-size:14px; line-height:1.7;}
.su-v2 ul.su-list li::marker{color:#E0B25C;}
.su-v2 .signup-form{display:flex; gap:8px; flex-wrap:wrap;}
.su-v2 .signup-form input[type=email]{flex:1 1 220px; background:rgba(255,255,255,0.08); border:1px solid rgba(255,255,255,0.28); color:var(--white);
  padding:11px 12px; font-family:'IBM Plex Mono',monospace; font-size:14px; border-radius:var(--radius); min-width:0;}
.su-v2 .signup-form input[type=email]::placeholder{color:rgba(255,255,255,0.45);}
.su-v2 .signup-form input[type=email]:focus{outline:2px solid var(--brass); outline-offset:1px; border-color:var(--brass);}
.su-v2 .signup-form .btn{flex:0 0 auto; width:auto; background:var(--brass); color:#16324D; font-weight:600;}
.su-v2 .signup-form .btn:hover{background:#c99038;}
.su-v2 .su-fine{color:rgba(255,255,255,0.55); font-size:12px; margin-top:12px;}
.su-v2 .su-fine a{color:rgba(255,255,255,0.75);}
.su-v2 .su-done{display:none; font-size:15px; line-height:1.6; color:var(--white);}
.su-v2 .su-done b{color:#E0B25C;}
.su-v2.is-done .signup-form, .su-v2.is-done .su-list, .su-v2.is-done .su-sub, .su-v2.is-done .su-fine{display:none;}
.su-v2.is-done .su-done{display:block;}
.su-sink{display:none;}

.mini-table td.wrong{color:var(--brick); text-decoration:line-through; text-decoration-color:rgba(140,59,46,0.5);}