:root{--bg:#f6f5f1;--bg-elevated:#fff;--bg-subtle:#f0efe9;--border:#e2e0d8;--border-strong:#c6c3b8;--text:#1a1a18;--text-muted:#55554e;--text-faint:#6e6d64;--accent:#f7931a;--accent-ink:#a35a05;--accent-soft:#f7931a1f;--accent-border:#a35a0566;--positive:#1c7a4f;--negative:#b0342b;--shadow:0 1px 1px #1a1a180a;--radius:6px;--radius-sm:4px;--content:1080px;--narrow:780px;font-synthesis:none;text-rendering:optimizelegibility;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;-webkit-text-size-adjust:100%;--lightningcss-light:initial;--lightningcss-dark: ;color-scheme:light;font-family:-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Oxygen,Ubuntu,Cantarell,Fira Sans,Droid Sans,Helvetica Neue,sans-serif;font-weight:400;line-height:1.6}*{box-sizing:border-box}body{background-color:var(--bg);min-width:320px;min-height:100vh;color:var(--text);margin:0}h1,h2,h3,h4{letter-spacing:-.01em;color:var(--text);font-weight:650;line-height:1.3}p,ul{margin:0}a{color:inherit}:focus-visible{outline:2px solid var(--accent-ink);outline-offset:2px;border-radius:3px}.page{max-width:var(--content);margin:0 auto;padding:3rem 1.5rem 4.5rem}.page--narrow{max-width:var(--narrow)}.page-head{max-width:720px;margin-bottom:2.5rem}.section{border-top:1px solid var(--border);margin-top:3rem;padding-top:2.25rem}.section-head{max-width:720px;margin-bottom:1.35rem}.section-title{margin:.7rem 0 .5rem;font-size:1.15rem}.section-sub{color:var(--text-muted);font-size:.95rem;line-height:1.7}.eyebrow{letter-spacing:.14em;text-transform:uppercase;color:var(--text-faint);align-items:center;gap:.6rem;margin:0;font-size:.72rem;font-weight:650;display:flex}.eyebrow:before{content:"";background:var(--accent);flex:none;width:16px;height:1px}.page-title{margin:.85rem 0 1rem;font-size:clamp(1.7rem,3.6vw,2.3rem)}.page-lede{color:var(--text-muted);max-width:68ch;font-size:1.03rem;line-height:1.75}.fineprint{color:var(--text-faint);max-width:74ch;font-size:.83rem;line-height:1.65}.card .card-kicker{letter-spacing:.1em;text-transform:uppercase;color:var(--text-faint);margin-bottom:.45rem;font-family:ui-monospace,SFMono-Regular,SF Mono,Menlo,Consolas,Liberation Mono,monospace;font-size:.72rem;line-height:1.5}.muted{color:var(--text-muted)}.link-tag{border:1px solid var(--border-strong);background:var(--bg-subtle);color:var(--text-faint);letter-spacing:.06em;text-transform:uppercase;white-space:nowrap;border-radius:3px;margin-left:.5rem;padding:.05rem .4rem;font-family:ui-monospace,SFMono-Regular,SF Mono,Menlo,Consolas,Liberation Mono,monospace;font-size:.68rem;display:inline-block}.mono{font-variant-numeric:tabular-nums;font-family:ui-monospace,SFMono-Regular,SF Mono,Menlo,Consolas,Liberation Mono,monospace}.link{color:var(--accent-ink);text-decoration:none}.link:hover{text-underline-offset:3px;text-decoration:underline}.card{background:var(--bg-elevated);border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow);padding:1.5rem}.card h3{margin:0 0 .6rem;font-size:1rem}.card p{color:var(--text-muted);font-size:.93rem;line-height:1.7}.grid-2,.grid-3,.grid-4{gap:1rem;display:grid}@media (width>=760px){.grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}.grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}.grid-4{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (width>=1024px){.grid-4{grid-template-columns:repeat(4,minmax(0,1fr))}}.badge{border:1px solid var(--border-strong);background:var(--bg-subtle);color:var(--text-muted);letter-spacing:.08em;text-transform:uppercase;white-space:nowrap;border-radius:3px;align-items:center;gap:.35rem;padding:.2rem .5rem;font-size:.7rem;font-weight:650;display:inline-flex}.badge--accent{color:var(--accent-ink);border-color:var(--accent-border);background:var(--accent-soft)}.btn{border-radius:var(--radius-sm);cursor:pointer;border:1px solid #0000;justify-content:center;align-items:center;gap:.5rem;padding:.68rem 1.15rem;font-family:inherit;font-size:.94rem;font-weight:600;text-decoration:none;transition:background-color .15s,border-color .15s,color .15s;display:inline-flex}.btn--primary{background:var(--text);color:var(--bg)}.btn--primary:hover{background:#3a3a35}.btn--secondary{background:var(--bg-elevated);border-color:var(--border-strong);color:var(--text)}.btn--secondary:hover{background:var(--bg-subtle);border-color:var(--text-faint)}.btn-row{flex-wrap:wrap;gap:.75rem;display:flex}.checklist{gap:.6rem;padding:0;list-style:none;display:grid}.checklist li{color:var(--text-muted);padding-left:1.35rem;font-size:.93rem;line-height:1.6;position:relative}.checklist li:before{content:"–";color:var(--text-faint);position:absolute;left:0}.checklist--accent li:before{content:"·";color:var(--accent-ink);font-weight:700}.checklist--no li:before{content:"×";color:var(--negative)}.note{background:var(--bg-elevated);border:1px solid var(--border);border-left:2px solid var(--border-strong);border-radius:var(--radius);box-shadow:var(--shadow);padding:1.35rem 1.5rem}.note h3{margin:0 0 .65rem;font-size:.95rem}.note p{color:var(--text-muted);font-size:.92rem;line-height:1.7}.note p+p{margin-top:.75rem}.note--accent{border-left-color:var(--accent)}.note a,.offers-fineprint a{color:var(--accent-ink);text-decoration:none}.note a:hover,.offers-fineprint a:hover{text-underline-offset:3px;text-decoration:underline}.faq-list{gap:.85rem;max-width:760px;display:grid}.faq-item{background:var(--bg-elevated);border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow);padding:1.1rem 1.35rem}.faq-q{margin:0 0 .5rem;font-size:1rem}.faq-a{color:var(--text-muted);font-size:.93rem;line-height:1.7}.form-grid{grid-template-columns:1fr;gap:1.15rem 1.25rem;display:grid}@media (width>=640px){.form-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}.field label{color:var(--text);margin-bottom:.4rem;font-size:.85rem;font-weight:600;display:block}.field input{background:var(--bg-elevated);border:1px solid var(--border-strong);border-radius:var(--radius-sm);width:100%;color:var(--text);font-variant-numeric:tabular-nums;padding:.62rem .72rem;font-family:inherit;font-size:.95rem}.field input:focus{border-color:var(--accent-ink);box-shadow:0 0 0 3px var(--accent-soft);outline:none}.field small{color:var(--text-faint);margin-top:.4rem;font-size:.8rem;line-height:1.5;display:block}.result-grid{grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:1rem;display:grid}.result{background:var(--bg-elevated);border:1px solid var(--border);border-radius:var(--radius-sm);box-shadow:var(--shadow);padding:1.1rem 1.2rem}.result-label{letter-spacing:.08em;text-transform:uppercase;color:var(--text-faint);font-size:.72rem;font-weight:650;display:block}.result-value{font-variant-numeric:tabular-nums;color:var(--text);word-break:break-word;margin-top:.45rem;font-family:ui-monospace,SFMono-Regular,SF Mono,Menlo,Consolas,Liberation Mono,monospace;font-size:1.45rem;font-weight:600;display:block}.result-value--pos{color:var(--positive)}.result-value--neg{color:var(--negative)}.result-warning{border:1px solid var(--accent-border);background:var(--accent-soft);border-radius:var(--radius-sm);color:var(--accent-ink);margin-top:1rem;padding:.75rem 1rem;font-size:.9rem;line-height:1.6}.table-wrap{border:1px solid var(--border);border-radius:var(--radius);background:var(--bg-elevated);overflow-x:auto}.data-table{border-collapse:collapse;background:var(--bg-elevated);width:100%;font-size:.92rem}.data-table th{text-align:left;background:var(--bg-subtle);border-bottom:1px solid var(--border-strong);color:var(--text-faint);letter-spacing:.1em;text-transform:uppercase;white-space:nowrap;padding:.75rem 1rem;font-size:.7rem;font-weight:650}.data-table td{border-bottom:1px solid var(--border);color:var(--text);vertical-align:top;padding:.8rem 1rem}.data-table tbody tr:nth-child(2n) td{background:#faf9f5}.data-table tbody tr:last-child td{border-bottom:none}.data-table tbody tr:hover td{background:var(--bg-subtle)}.data-table a{color:var(--accent-ink);text-underline-offset:3px;text-decoration:underline;-webkit-text-decoration-color:var(--accent-border);text-decoration-color:var(--accent-border)}.data-table a:hover{-webkit-text-decoration-color:var(--accent-ink);text-decoration-color:var(--accent-ink)}.data-table input[type=checkbox]{width:16px;height:16px;accent-color:var(--accent-ink)}.trust-strip{border-top:1px solid var(--border);letter-spacing:.01em;color:var(--text-muted);flex-wrap:wrap;align-items:center;gap:.4rem .65rem;max-width:74ch;margin-top:2rem;padding-top:1rem;font-family:ui-monospace,SFMono-Regular,SF Mono,Menlo,Consolas,Liberation Mono,monospace;font-size:.79rem;display:flex}.trust-strip span:not(:last-child):after{content:"·";color:var(--border-strong);margin-left:.65rem}@media (width<=640px){.page{padding:2.25rem 1.1rem 3.5rem}}.navbar{z-index:20;-webkit-backdrop-filter:blur(8px);border-bottom:1px solid var(--border);background:#f6f5f1eb;position:sticky;top:0}.navbar-inner{max-width:var(--content);flex-wrap:wrap;justify-content:space-between;align-items:center;gap:.65rem 1.5rem;margin:0 auto;padding:.8rem 1.5rem;display:flex}.navbar-brand{color:var(--text);letter-spacing:.01em;align-items:center;gap:.55rem;font-size:.98rem;font-weight:700;text-decoration:none;display:inline-flex}.navbar-mark{background:var(--accent);flex:none;width:12px;height:2px}.navbar-links{flex-wrap:wrap;align-items:center;gap:.35rem 1.15rem;display:flex}.navbar-links a{color:var(--text-muted);border-bottom:1px solid #0000;padding:.15rem 0;font-size:.87rem;font-weight:500;text-decoration:none;transition:color .15s}.navbar-links a:hover{color:var(--text)}.navbar-links a.active{color:var(--text);border-bottom-color:var(--accent)}@media (width<=640px){.navbar-inner{padding:.7rem 1.1rem}.navbar-links{gap:.35rem .9rem;width:100%}.navbar-links a{font-size:.83rem}}.hero{max-width:780px;padding-bottom:.25rem}.hero-title{letter-spacing:-.02em;margin:1rem 0 1.1rem;font-size:clamp(1.9rem,4.2vw,2.7rem);line-height:1.18}.hero-actions{margin-top:1.75rem}.ledger-table .ledger-index{color:var(--text-faint);white-space:nowrap;width:1%;font-size:.85rem}.ledger-table .ledger-item{white-space:nowrap;font-weight:650}.ledger-table td{line-height:1.6}@media (width<=720px){.ledger-table .ledger-item{white-space:normal}}.checklist--columns{grid-template-columns:1fr}@media (width>=760px){.checklist--columns{grid-template-columns:repeat(2,minmax(0,1fr));gap:.7rem 2rem}}.tool-card{background:var(--bg-elevated);border:1px solid var(--border);border-radius:var(--radius);color:inherit;box-shadow:var(--shadow);flex-direction:column;gap:.5rem;padding:1.3rem 1.35rem;text-decoration:none;transition:border-color .15s,background-color .15s;display:flex}.tool-card:hover{border-color:var(--border-strong);background:var(--bg-subtle)}.tool-card h3{margin:0;font-size:.97rem}.tool-card p{color:var(--text-muted);flex:1;margin:0;font-size:.89rem;line-height:1.65}.tool-card-cta{color:var(--accent-ink);margin-top:.35rem;font-size:.84rem;font-weight:600}.home .offer-card{flex-direction:column;gap:.75rem;display:flex}.home .offer-card p{margin:0}.home .offer-card .btn{align-self:flex-start;margin-top:.35rem}.home .offer-head{flex-wrap:wrap;justify-content:space-between;align-items:center;gap:.75rem;display:flex}.home .offer-head h3{margin:0;font-size:1.02rem}.home .offer-price{font-size:1.3rem;font-weight:600}.home .offer-price .muted{font-size:.85rem;font-weight:500}.cta-row{flex-wrap:wrap;gap:.75rem;margin-top:1.5rem;display:flex}.offers-fineprint{margin-top:1.15rem}.disclaimer-strip{margin-top:3.5rem}.converter .tool-results .fineprint{margin-top:1rem}.dca-fees .checklist{margin-top:.85rem}.wallet-total{flex-direction:column;gap:.35rem;max-width:320px;display:flex}.tool-page .tool-panel{padding:1.5rem}.tool-results .fineprint{margin-top:1rem}.tool-notes{gap:1rem;display:grid}.reports .steps{grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:1rem;margin:0;padding:0;list-style:none;display:grid}.reports .steps li{background:var(--bg-elevated);border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow);padding:1.2rem 1.25rem}.reports .step-num{letter-spacing:.08em;color:var(--accent-ink);margin-bottom:.6rem;font-size:.76rem;font-weight:600;display:block}.reports .steps h3{margin:0 0 .45rem;font-size:.96rem}.reports .steps p{color:var(--text-muted);font-size:.88rem;line-height:1.65}.report-offers{grid-template-columns:1fr;gap:1.25rem;display:grid}@media (width>=900px){.report-offers{grid-template-columns:repeat(2,minmax(0,1fr))}}.report-offer{flex-direction:column;gap:1rem;padding:1.6rem;display:flex}.report-offer h3{margin:0;font-size:1.05rem}.reports .offer-head{flex-wrap:wrap;justify-content:space-between;align-items:center;gap:.75rem;display:flex}.reports .offer-price{font-size:1.55rem;font-weight:650}.reports .offer-price .muted{font-size:.85rem;font-weight:500}.offer-for{color:var(--text-muted);font-size:.93rem;line-height:1.7}.offer-block h4{letter-spacing:.1em;text-transform:uppercase;color:var(--text-faint);margin:0 0 .65rem;font-size:.73rem;font-weight:650}.report-offer .btn{align-self:flex-start;margin-top:auto}.report-notes{gap:1rem;display:grid}.disclosure-list{counter-reset:disclosure;gap:.85rem;display:grid}.disclosure{counter-increment:disclosure}.disclosure h2{margin:0 0 .6rem;font-size:1rem}.disclosure h2:before{content:counter(disclosure, decimal-leading-zero) " · ";letter-spacing:.06em;color:var(--accent-ink);font-family:ui-monospace,SFMono-Regular,SF Mono,Menlo,Consolas,Liberation Mono,monospace;font-size:.82em;font-weight:650}.disclosure p{color:var(--text-muted);font-size:.94rem;line-height:1.75}.disclosure a{color:var(--accent-ink);text-decoration:none}.disclosure a:hover{text-underline-offset:3px;text-decoration:underline}#root{width:100%;min-height:100vh}.app{background-color:var(--bg);min-height:100vh;color:var(--text);flex-direction:column;display:flex}.main-content{flex:1}.site-footer{border-top:1px solid var(--border-strong);background:var(--bg-subtle);padding:2.25rem 1.5rem 1.75rem}.footer-inner{max-width:var(--content);gap:2rem;margin:0 auto;display:grid}@media (width>=760px){.footer-inner{grid-template-columns:minmax(0,1.6fr) minmax(0,1fr);gap:3rem}}.footer-brand{letter-spacing:.02em;color:var(--text);margin-bottom:.65rem;font-size:.98rem;font-weight:700;display:inline-block}.footer-brand span{color:var(--accent-ink)}.footer-links{flex-direction:column;gap:.6rem;font-size:.9rem;display:flex}.footer-links a{color:var(--text-muted);text-decoration:none}.footer-links a:hover{color:var(--accent-ink)}.footer-meta{max-width:var(--content);border-top:1px solid var(--border);flex-wrap:wrap;justify-content:space-between;gap:.5rem 1.5rem;margin:1.75rem auto 0;padding-top:1.1rem;display:flex}