:root{color-scheme:dark;--bg:#07090c;--surface:#0d1117;--surface-2:#111821;--text:#f2f5fa;--muted:#a9b5c3;--faint:#7c8c9e;--line:#27313e;--accent:#21aeff;--accent-strong:#008be0;--accent-soft:#102c40;--banner:#101d29;--focus:#8ed7ff;--shadow:0 28px 80px #0005}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:30px}body{margin:0;background:var(--bg);color:var(--text);font-family:Arial,Helvetica,sans-serif;font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased}button,input{font:inherit}button,a{-webkit-tap-highlight-color:transparent}button{cursor:pointer}a{color:inherit;text-decoration:none}button:focus-visible,a:focus-visible,input:focus-visible,summary:focus-visible{outline:3px solid var(--focus);outline-offset:5px}button{color:var(--text)}img{display:block;max-width:100%;height:auto}p,h1,h2,h3{margin:0}button{border:0}.wrap{width:min(1184px,calc(100% - 80px));margin-inline:auto}.section-pad{padding-block:100px}.eyebrow{font-size:12px;letter-spacing:.17em;font-weight:700;text-transform:uppercase;display:flex;align-items:center;gap:14px;color:var(--muted)}.blue-line{height:2px;width:32px;background:var(--accent)}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.skip-link{position:absolute;z-index:10;top:8px;left:8px;padding:12px 18px;background:var(--accent);color:#001322;transform:translateY(-150%)}.skip-link:focus{transform:none}
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.matrix-section{background:var(--surface);border-block:1px solid var(--line)}.section-heading{display:flex;justify-content:space-between;align-items:flex-end;gap:65px;margin-bottom:36px}.section-number{color:var(--accent);font-family:monospace;letter-spacing:0;font-size:12px;border-right:1px solid var(--line);padding-right:14px}.section-heading h2{font-size:36px;font-weight:500;line-height:1.2;letter-spacing:-.035em;margin-top:16px}.section-heading>p{font-size:14px;line-height:1.8;color:var(--muted);max-width:370px}.matrix-shell{border:1px solid var(--line);background:var(--bg)}table{width:100%;border-collapse:collapse;font-variant-numeric:tabular-nums}.matrix{table-layout:fixed}.matrix th,.matrix td{padding:20px 30px;text-align:right;border-bottom:1px solid var(--line);line-height:1.35}.matrix tr>*:first-child{text-align:left;width:48%}.matrix thead th{font-size:12px;font-weight:500;background:var(--surface-2);color:var(--text);padding-top:23px;padding-bottom:23px}.matrix thead span{display:block;font-size:10px;color:var(--muted);margin-top:7px}.matrix tbody th{font-size:15px;font-weight:400;color:var(--muted)}.matrix tbody td{font-size:19px}.matrix tbody td:nth-child(2){color:var(--accent)}.matrix tbody tr:hover{background:var(--surface-2)}.matrix tbody tr:last-child th{color:var(--text)}.matrix-footnote{padding:24px 30px;display:flex;align-items:flex-start;gap:34px}.matrix-footnote strong{font-size:12px;font-weight:600;flex-shrink:0;line-height:1.7}.matrix-footnote p{font-size:12px;line-height:1.7;color:var(--muted)}.approval-note{font-size:11px;color:var(--faint);margin-top:15px}
.calculator-layout{display:grid;grid-template-columns:.9fr 1.1fr;gap:80px}.calculator-input-panel{padding-top:8px}.calculator-input-panel label{font-size:14px;display:block;font-weight:600;margin-bottom:12px}.feet-input-wrap{display:flex;align-items:center;background:var(--surface-2);border:1px solid var(--line);border-radius:4px;padding-right:20px}.feet-input-wrap:focus-within{border-color:var(--accent)}.feet-input-wrap input{min-width:0;width:100%;border:0;color:var(--text);background:transparent;padding:16px 18px;font-size:33px;font-weight:500;font-variant-numeric:tabular-nums;line-height:1.3;letter-spacing:-.03em}.feet-input-wrap input:focus-visible{outline-offset:2px}.feet-input-wrap>span{font-size:16px;color:var(--muted)}.input-help{font-size:11px;color:var(--muted);margin-top:12px;line-height:1.7}.input-error{font-size:12px;color:#ffacac;margin-top:12px;line-height:1.6}.presets{display:flex;gap:10px;flex-wrap:wrap;margin-top:23px}.presets button{border:1px solid var(--line);border-radius:3px;background:transparent;font-size:12px;padding:11px 14px;min-height:44px;font-variant-numeric:tabular-nums}.presets button:hover{border-color:var(--accent)}.presets button[aria-pressed=true]{background:var(--accent-soft);border-color:var(--accent);color:var(--accent)}.local-note{display:flex;align-items:flex-start;gap:8px;max-width:350px;font-size:11px;color:var(--faint);margin-top:30px;line-height:1.7}.local-note span{color:var(--accent);font-size:17px;line-height:1.3}.calculator-results{border:1px solid var(--line);background:var(--surface);padding:7px 26px 24px;border-radius:4px;min-width:0}.result-row{display:flex;justify-content:space-between;align-items:center;gap:18px;padding:21px 0;border-bottom:1px solid var(--line)}.result-label{font-size:13px;font-weight:500;display:block}.result-row small,.average-result small{display:block;font-size:11px;color:var(--muted);margin-top:5px;line-height:1.6}.result-row strong{font-size:24px;letter-spacing:-.035em;white-space:nowrap;font-weight:500;font-variant-numeric:tabular-nums}.credit-row strong{color:var(--accent)}.average-result{padding-top:25px;display:flex;justify-content:space-between;align-items:center;gap:20px}.average-result>strong{white-space:nowrap;font-size:45px;letter-spacing:-.05em;font-weight:500;line-height:1.2;font-variant-numeric:tabular-nums}.average-unit{font-size:16px;font-weight:400;color:var(--muted);letter-spacing:0;margin-left:4px}.result-caveat{font-size:11px;line-height:1.7;color:var(--muted);margin-top:20px}.breakdown{margin-top:35px;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.breakdown summary{padding:22px 2px;cursor:pointer;font-size:13px;font-weight:600}.breakdown summary::marker{color:var(--accent)}.breakdown summary>span:first-child{padding-left:12px}.detail-hint{float:right;color:var(--faint);font-size:11px;font-weight:400;padding-right:3px}.breakdown-content{padding-bottom:24px}.breakdown th,.breakdown td{text-align:right;padding:13px 12px;font-size:13px;line-height:1.5;border-bottom:1px solid var(--line)}.breakdown th:first-child{text-align:left;padding-left:0}.breakdown thead th{font-size:11px;font-weight:500;color:var(--muted)}.breakdown tbody th{font-weight:400}.breakdown tbody td:last-child,.breakdown tfoot td{color:var(--accent)}.breakdown tfoot th,.breakdown tfoot td{padding-top:18px;border-bottom:0}.unused-band{color:var(--faint)}.breakdown .unused-band td:last-child{color:var(--faint)}.rounding-note{font-size:11px;color:var(--faint);margin-top:15px}.noscript-note{font-size:13px;margin-top:15px;border:1px solid var(--line);padding:12px}
.terms-section{background:var(--surface);border-top:1px solid var(--line)}.terms-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:46px 52px;padding-top:10px}.term-index{font-size:10px;letter-spacing:.12em;color:var(--accent)}.terms-grid h3{font-size:18px;letter-spacing:-.02em;line-height:1.4;font-weight:500;margin-top:12px}.terms-grid p{font-size:13px;line-height:1.85;color:var(--muted);margin-top:12px}.review-close{display:flex;justify-content:space-between;align-items:center;gap:70px;margin-top:65px;border-top:1px solid var(--line);padding-top:37px}.review-close .review-mark{display:inline-block}.review-close h3{font-size:22px;font-weight:500;letter-spacing:-.02em;margin-top:14px}.review-close p{font-size:12px;color:var(--muted);max-width:700px;margin-top:9px}.review-close>a{font-size:12px;white-space:nowrap;color:var(--accent);padding-block:12px}.review-close>a span{margin-left:15px}.site-footer{display:flex;align-items:center;justify-content:space-between;gap:24px;padding-block:35px}.site-footer>span{font-weight:700;font-size:12px;letter-spacing:.1em}.footer-blue{color:var(--accent);font-size:10px}.site-footer p{color:var(--faint);font-size:10px}.site-footer>a{font-size:11px;color:var(--muted)}
html[data-theme=light]{color-scheme:light;--bg:#f7f9fc;--surface:#fff;--surface-2:#eef3f8;--text:#132437;--muted:#4d6175;--faint:#60738a;--line:#d7e0e9;--accent:#006eae;--accent-strong:#006eae;--accent-soft:#e3f1fb;--banner:#e6f2fc;--focus:#0077bd;--shadow:0 22px 60px #1438580d}html[data-theme=light] .hero h1 span{color:#526c82}html[data-theme=light] .primary-button{color:#fff}html[data-theme=light] .primary-button:hover{background:#005a91}html[data-theme=light] .review-banner{border-bottom-color:#bfd7e9}html[data-theme=light] .input-error{color:#a51e2e}html[data-theme=light] .brand{border:1px solid #000}
@media(min-width:1450px){.wrap{width:min(1240px,calc(100% - 100px))}.hero{gap:110px}.hero h1{font-size:82px}}
@media(max-width:1100px){.wrap{width:calc(100% - 56px)}.site-header{gap:25px}.site-header nav{gap:18px}.brand,.brand img{width:175px}.header-actions button{font-size:11px;padding-inline:9px}.hero{gap:42px}.rate-card{padding:25px}.calculator-layout{gap:40px}.section-heading{gap:40px}.section-heading h2{font-size:32px}.section-heading>p{max-width:320px}.terms-grid{gap:35px}.average-result{display:block}.average-result>strong{display:block;margin-top:15px}.site-footer{flex-wrap:wrap}.site-footer p{margin-left:auto}.site-footer>a{display:none}}
@media(max-width:820px){.site-header{min-height:125px;flex-wrap:wrap;justify-content:space-between;gap:4px 20px;padding-block:14px}.site-header nav{order:3;width:100%;margin:0;justify-content:space-between;border-top:1px solid var(--line);padding-top:8px}.site-header nav a{font-size:12px;padding-block:7px}.brand,.brand img{width:164px}.hero{gap:30px;padding-block:62px;grid-template-columns:1fr 1fr}.hero h1{font-size:52px}.hero-description{font-size:15px}.rate-card{padding:23px}.big-rate{font-size:68px}.big-rate .currency{font-size:28px}.rate-card-top .eyebrow{font-size:9px;letter-spacing:.08em}.mini-label{display:none}.rate-card-bottom{align-items:flex-start;flex-direction:column;gap:6px}.profile-notice{padding:13px 10px;gap:8px}.profile-notice strong{font-size:12px}.profile-notice p{font-size:11px}.section-pad{padding-block:68px}.section-heading{align-items:flex-start;flex-direction:column;gap:17px;margin-bottom:30px}.section-heading>p{max-width:620px}.matrix th,.matrix td{padding:18px 22px}.matrix-footnote{display:block;padding:22px}.matrix-footnote p{margin-top:8px}.calculator-layout{grid-template-columns:1fr 1.15fr;gap:24px}.result-row{flex-direction:column;align-items:flex-start;gap:8px}.result-row strong{font-size:26px}.calculator-results{padding-inline:22px}.feet-input-wrap input{font-size:30px;padding:17px 15px}.presets{gap:8px}.presets button{font-size:11px;padding-inline:10px}.terms-grid{grid-template-columns:repeat(2,1fr);gap:35px 40px}.review-close{gap:30px}.site-footer{gap:10px}.site-footer p{margin-left:0;width:100%}}
@media(max-width:600px){.wrap{width:calc(100% - 40px)}.banner-inner{display:grid;grid-template-columns:auto 1fr;gap:4px 9px;padding-block:12px;font-size:10px}.review-banner .banner-inner>span:last-child{grid-column:2;margin-left:0;font-size:10px}.review-mark{font-size:8px;padding:3px 5px}.site-header{padding-block:12px}.brand,.brand img{width:150px}.header-actions{gap:6px}.header-actions button{font-size:10px;min-height:40px;padding:8px}.header-actions #print-button{display:none}.site-header nav{padding-top:10px}.hero{grid-template-columns:1fr;gap:38px;padding-block:47px 52px}.hero h1{font-size:60px;line-height:1.04;margin-top:19px;letter-spacing:-.055em}.eyebrow{font-size:10px;letter-spacing:.13em;gap:11px}.hero-description{font-size:15px;line-height:1.75;margin-top:22px;max-width:450px}.primary-button{padding:14px 18px;font-size:13px;margin-top:24px}.hero-small{font-size:10px}.rate-card{padding:25px}.rate-card-top .eyebrow{font-size:10px;letter-spacing:.13em}.mini-label{display:block}.big-rate{font-size:76px;margin-top:20px}.big-rate .currency{font-size:32px}.rate-description{font-size:13px}.profile-notice{margin-top:20px;padding:14px;gap:11px}.profile-notice strong{font-size:13px}.profile-notice p{font-size:12px}.rate-card-bottom{flex-direction:row;align-items:center;margin-top:22px;padding-top:18px}.section-pad{padding-block:52px}.section-heading h2{font-size:30px;line-height:1.2;margin-top:14px}.section-heading>p{font-size:13px;line-height:1.75}.matrix th,.matrix td{padding:18px 12px}.matrix tr>*:first-child{width:43%}.matrix thead th{font-size:11px;line-height:1.5;padding-block:17px}.matrix thead span{font-size:9px;line-height:1.5}.matrix tbody th{font-size:12px;line-height:1.7}.matrix tbody td{font-size:17px}.matrix-footnote{padding:18px 16px}.matrix-footnote strong,.matrix-footnote p{font-size:11px}.approval-note{font-size:10px;line-height:1.7}.calculator-layout{grid-template-columns:1fr;gap:28px}.calculator-input-panel label{font-size:13px}.feet-input-wrap input{font-size:35px;padding:17px}.input-help{font-size:11px}.presets{gap:8px;margin-top:19px}.presets button{font-size:12px;padding-inline:13px}.local-note{margin-top:19px;max-width:100%}.calculator-results{padding:5px 20px 22px}.result-row{flex-direction:row;align-items:center;gap:14px;padding-block:20px}.result-row strong{font-size:23px}.result-label{font-size:12px}.result-row small{font-size:10px}.average-result{display:flex;gap:15px;align-items:center;padding-top:24px}.average-result>strong{font-size:42px;margin:0}.average-result small{font-size:10px}.result-caveat{font-size:10px}.detail-hint{display:none}.breakdown{margin-top:24px}.breakdown summary{font-size:12px;padding-block:19px}.breakdown th,.breakdown td{padding:13px 5px;font-size:11px}.breakdown tbody th{max-width:112px}.breakdown thead th{font-size:10px}.breakdown thead th:first-child{width:39%}.breakdown td{white-space:nowrap}.rounding-note{font-size:10px}.terms-grid{grid-template-columns:1fr;gap:28px;padding-top:0}.terms-grid article{border-bottom:1px solid var(--line);padding-bottom:26px}.terms-grid article:last-child{border-bottom:0;padding-bottom:0}.term-index{font-size:9px}.terms-grid h3{font-size:18px;margin-top:8px}.terms-grid p{font-size:13px;margin-top:9px}.review-close{display:block;margin-top:36px;padding-top:28px}.review-close .review-mark{font-size:9px}.review-close h3{font-size:21px}.review-close p{font-size:12px}.review-close>a{display:inline-block;margin-top:10px}.site-footer{padding-block:28px}.site-footer p{font-size:9px}}
@media(max-width:359px){.wrap{width:calc(100% - 32px)}.hero h1{font-size:53px}.rate-card{padding:20px}.rate-card-bottom>span{font-size:11px}.rate-card-bottom strong{font-size:16px}.matrix th,.matrix td{padding-inline:9px}.matrix tbody td{font-size:16px}.matrix thead th{font-size:10px}.matrix thead span{font-size:9px}.result-row strong{font-size:20px}.average-result{display:block}.average-result>strong{display:block;margin-top:12px}.presets{gap:6px}.presets button{padding-inline:10px;font-size:11px}.calculator-results{padding-inline:16px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
/* Shared Diamond appearance control: one keyboard-native, 44px switch. */
.header-actions .theme-toggle{display:grid;grid-template-columns:1fr 1fr;align-items:stretch;gap:4px;flex-shrink:0;width:148px;min-height:44px;padding:4px;border:1px solid #bdcbd8;border-radius:999px;background:#fff;color:#2e4e68;font-size:11px;font-weight:600;line-height:1.2}
.header-actions .theme-toggle .theme-option{display:flex;align-items:center;justify-content:center;gap:6px;margin:0;padding:4px 6px;border-radius:999px;min-width:0;min-height:34px}
.header-actions .theme-toggle svg{flex-shrink:0}
html[data-theme=dark] .header-actions .theme-toggle{background:#192b3d;color:#edf3f8;border-color:#536a81}
html[data-theme=light] .header-actions .theme-toggle .theme-light,html[data-theme=dark] .header-actions .theme-toggle .theme-dark{background:#005b96;color:#fff;font-weight:800;text-decoration:underline;text-underline-offset:3px;box-shadow:0 1px 3px #0002}
html[data-theme=dark] .header-actions .theme-toggle .theme-dark{box-shadow:inset 0 0 0 1px #82c7fa}
.header-actions .theme-toggle:hover{border-color:var(--accent)}
.header-actions .theme-toggle:focus-visible{outline:3px solid var(--focus);outline-offset:4px}
@media(max-width:980px){.site-header{flex-wrap:wrap;justify-content:space-between;gap:8px 20px;padding-block:14px}.site-header nav{order:3;width:100%;margin:0;justify-content:space-between;border-top:1px solid var(--line);padding-top:8px}}
@media(max-width:359px){.site-header{column-gap:16px}.brand,.brand img{width:124px}}
.eligibility-notice{background:var(--accent-soft);border-left:3px solid var(--accent);padding:20px 24px;margin-bottom:25px}.eligibility-notice strong{font-size:15px}.eligibility-notice p{font-size:13px;line-height:1.8;color:var(--muted);margin-top:6px;max-width:950px}@media(max-width:600px){.eligibility-notice{padding:17px;margin-bottom:20px}.eligibility-notice strong{font-size:13px}.eligibility-notice p{font-size:12px}}
@media print{
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