/* LYNAS WEEKLY · shared design system. All tools use the same tokens. */
:root{color-scheme:light;--navy:#081633;--ink:#0F1F35;--text:#2E2E2E;--muted:#6E6B63;--gold:#B08432;--gold-text:#806021;--gold-soft:#D9B96A;--paper:#FBF9F3;--cream:#F5F0E4;--cream-deep:#EDE5D2;--rule:#D7D0C0;--white:#fff;--serif:Georgia,'Times New Roman',serif;--sans:Arial,Helvetica,sans-serif;--wrap:1160px;--radius:4px}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:100px}body{margin:0;background:var(--paper);color:var(--ink);font:16px/1.6 var(--sans);-webkit-font-smoothing:antialiased}button,input,select,textarea{font:inherit}button,a,input,select,summary{-webkit-tap-highlight-color:transparent}button{cursor:pointer}a{color:inherit;text-decoration:none}p{margin:0 0 1.2em}h1,h2,h3,h4{font-family:var(--serif);font-weight:400;line-height:1.12;margin:0;text-wrap:balance}img{max-width:100%;display:block}button{color:inherit}button:disabled{cursor:not-allowed;opacity:.55}a:focus-visible,button:focus-visible,summary:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid var(--gold);outline-offset:4px}button,input,select,textarea{border-radius:var(--radius)}[hidden]{display:none!important}.sr-only{position:absolute;width:1px;height:1px;padding:0;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.skip-link{position:fixed;top:-100px;left:20px;z-index:1000;padding:12px 20px;background:var(--white)}.skip-link:focus{top:12px}.wrap{width:min(calc(100% - 80px),var(--wrap));margin:auto}.eyebrow{font:700 11px/1.5 var(--sans);letter-spacing:.19em;text-transform:uppercase;color:var(--gold-text);margin:0 0 16px}.muted{color:var(--muted)}.small{font-size:13px;line-height:1.65}.lead{font:400 clamp(18px,2vw,21px)/1.55 var(--serif);color:var(--text)}.text-link{display:inline-flex;align-items:center;gap:10px;font-size:13px;font-weight:700;min-height:44px;border-bottom:1px solid var(--gold);padding:4px 0}.text-link:hover{color:var(--gold-text)}.arrow{font-family:var(--sans);font-size:19px;font-weight:400;line-height:1}.btn{display:inline-flex;justify-content:center;align-items:center;gap:12px;min-height:48px;padding:12px 21px;border:1px solid var(--ink);border-radius:var(--radius);background:var(--ink);color:#fff;font:700 13px/1.5 var(--sans);text-align:center;transition:background .18s,transform .18s}.btn:hover{background:#203551;transform:translateY(-1px)}.btn.outline{background:transparent;color:var(--ink);border-color:var(--rule)}.btn.outline:hover{border-color:var(--gold);background:var(--cream)}.btn.light{color:var(--navy);background:var(--cream);border-color:var(--cream)}.btn.ghost-light{background:transparent;border-color:#718095;color:#fff}.btn.ghost-light:hover{background:#ffffff0f}.btn.small-btn{min-height:43px;padding:10px 15px;font-size:12px}.actions{display:flex;align-items:center;gap:12px;flex-wrap:wrap}.no-margin{margin:0}
/* A quiet, persistent masthead and navigation. */
.site-header{position:sticky;top:0;z-index:40;background:var(--paper);border-top:3px solid var(--gold);border-bottom:1px solid var(--rule)}.header-inner{min-height:75px;display:flex;align-items:center;justify-content:space-between;gap:24px}.wordmark{font:400 24px/1 var(--serif);letter-spacing:.04em;white-space:nowrap}.wordmark span{font-weight:700}.top-nav{display:flex;align-items:center;gap:29px}.top-nav a{font-size:12px;min-height:46px;display:flex;align-items:center;border-bottom:2px solid transparent;padding-top:2px}.top-nav a:hover,.top-nav a[aria-current]{border-bottom-color:var(--gold)}.top-nav .contact-nav{border:1px solid var(--rule);padding:9px 16px;min-height:42px;border-radius:var(--radius)}.menu-btn{display:none;border:1px solid var(--rule);background:transparent;padding:7px 12px;min-height:42px;font-size:12px}.mobile-dock{display:none}.view{animation:enter .22s ease-out}.view:focus{outline:none}.section{padding:76px 0}.section-heading{display:flex;align-items:end;justify-content:space-between;gap:32px;margin-bottom:28px}.section-heading h2{font-size:clamp(30px,4vw,43px)}.section-heading p{font-size:13px;max-width:320px;margin:0;color:var(--muted)}
/* Landing page: identity -> contents -> the person -> principles -> tools. */
.hero{position:relative;min-height:480px;background:var(--navy);overflow:hidden;color:#fff}.hero-image{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center}.hero:after{content:'';position:absolute;inset:0;background:linear-gradient(90deg,rgba(5,15,33,.94) 0%,rgba(5,15,33,.86) 25%,rgba(5,15,33,.44) 48%,rgba(5,15,33,0) 70%)}.hero-content{position:relative;z-index:1;padding-top:43px;padding-bottom:42px}.hero-meta{color:#F5F0E4;letter-spacing:.17em;font-size:10px;text-transform:uppercase;display:flex;gap:17px;align-items:center;margin-bottom:21px}.hero-meta span+span:before{content:'·';padding-right:17px;color:var(--gold-soft)}.hero h1{font-size:clamp(62px,7.7vw,96px);line-height:.93;letter-spacing:-.035em;margin-left:-4px;max-width:530px}.hero h1 span{display:block}.hero-subtitle{font-size:11px;letter-spacing:.19em;margin:22px 0 14px;color:#FFF0BC;text-transform:uppercase}.hero-deck{max-width:390px;font:18px/1.55 var(--serif);color:#f2efe6;margin-bottom:24px}.hero .actions .btn{min-height:44px;padding:11px 17px;font-size:12px}.editorial-band{border-bottom:1px solid var(--rule);background:var(--cream)}.editorial-band .wrap{display:flex;justify-content:space-between;gap:24px;padding-top:16px;padding-bottom:16px;font-size:11px;letter-spacing:.08em}.editorial-band strong{font-weight:400;letter-spacing:.04em}.contents-section{padding-top:59px;padding-bottom:60px}.contents-layout{display:grid;grid-template-columns:300px 1fr;gap:70px}.contents-intro{padding-top:8px}.contents-intro h2{font-size:45px;line-height:1.04;margin-bottom:20px}.contents-intro .why{font:18px/1.55 var(--serif);max-width:255px;margin-top:23px}.contents-intro .why strong{display:block;font-weight:400;color:var(--ink)}.contents-intro .why span{color:var(--muted);font-size:17px}.contents-list{border-top:1px solid var(--rule)}.contents-item{display:grid;grid-template-columns:34px 1fr 25px;align-items:center;gap:18px;min-height:87px;border-bottom:1px solid var(--rule);padding:17px 5px;transition:padding .18s,background .18s}.contents-item:hover{background:var(--cream);padding-left:12px;padding-right:12px}.item-number{font:14px var(--serif);color:var(--gold-text)}.item-title{font:22px/1.25 var(--serif);display:block;margin-bottom:5px}.item-meta{font-size:10px;text-transform:uppercase;letter-spacing:.11em;color:var(--muted);display:flex;gap:15px}.contents-item .arrow{justify-self:end;color:var(--gold-text)}.about-section{background:var(--cream);border-top:1px solid var(--rule);border-bottom:1px solid var(--rule);padding:66px 0}.about-grid{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}.portrait-frame{margin:0}.portrait-frame img{width:100%;height:auto;aspect-ratio:1700/925;object-fit:contain;object-position:center}.portrait-frame figcaption{border-top:3px solid var(--gold);padding-top:15px;display:flex;justify-content:space-between;gap:20px;align-items:center}.portrait-frame figcaption strong{display:block;font:25px var(--serif)}.portrait-frame figcaption span{display:block;font-size:11px;color:var(--muted);letter-spacing:.04em;margin-top:5px}.portrait-frame .fig-mark{font:20px/1 var(--serif);color:var(--gold-text);border:1px solid var(--rule);padding:10px;letter-spacing:.05em}.about-copy h2{font-size:40px;margin-bottom:21px}.about-copy .mission-lead{font:19px/1.5 var(--serif);margin-bottom:18px}.about-copy .mission-body{font:14px/1.8 var(--sans);color:var(--text)}.signature{width:195px;max-height:64px;object-fit:contain;object-position:left;margin:20px 0 9px;mix-blend-mode:multiply}.principles{padding:66px 0 57px}.principles .eyebrow{text-align:center}.principles-grid{display:grid;grid-template-columns:repeat(3,1fr);text-align:center;margin-top:25px}.principle{padding:12px 32px;position:relative}.principle+.principle{border-left:1px solid var(--rule)}.principle:before{content:'◇';display:block;font:20px var(--serif);color:var(--gold);margin-bottom:18px}.principle p{font:25px/1.3 var(--serif);margin:0}.principle em{color:var(--gold-text);font-style:italic}.work-motto{border-top:1px solid var(--rule);padding-top:25px;margin-top:37px;display:grid;grid-template-columns:repeat(4,1fr);gap:18px;text-align:center}.work-motto span{font-size:11px;line-height:1.6;color:var(--muted)}.tools-teaser{padding:0 0 72px}.tools-panel{display:grid;grid-template-columns:1.25fr 1fr;gap:55px;align-items:center;background:var(--navy);color:var(--paper);padding:49px 51px}.tools-panel .eyebrow{color:var(--gold-soft)}.tools-panel h2{font-size:43px;margin-bottom:17px}.tools-panel p{color:#d5d9e2;font-size:14px;max-width:425px;margin-bottom:21px}.tools-links{border-top:1px solid #536079}.tool-link{display:flex;justify-content:space-between;align-items:center;gap:18px;padding:18px 0;border-bottom:1px solid #536079;font-size:14px}.tool-link span:first-child{display:block}.tool-link small{display:block;font-size:11px;color:#bac3d1;margin-top:5px}.tool-link .arrow{color:var(--gold-soft)}.tool-link:hover{color:var(--gold-soft)}
/* Article reading surfaces. */
.page-head{padding:42px 0 35px;border-bottom:1px solid var(--rule)}.crumb{font-size:11px;color:var(--muted);margin-bottom:28px;display:flex;gap:14px;align-items:center}.crumb a{border-bottom:1px solid var(--rule)}.page-head h1{font-size:clamp(36px,5vw,58px);max-width:950px;margin-bottom:20px}.page-head .lead{max-width:820px;margin-bottom:14px}.page-meta{font-size:11px;color:var(--muted);display:flex;gap:20px}.reading-layout{display:grid;grid-template-columns:minmax(0,730px) 250px;gap:80px;padding-top:43px;padding-bottom:64px}.article-body{font:18px/1.8 var(--serif);color:var(--text)}.article-body h2{font-size:28px;color:var(--ink);margin:32px 0 15px}.article-body h3{font-size:22px;color:var(--ink);margin:28px 0 11px}.article-body p{margin-bottom:1.3em}.article-body .intro{font-size:21px;line-height:1.65;color:var(--ink)}.reading-aside{font:13px/1.65 var(--sans)}.aside-sticky{position:sticky;top:111px}.aside-title{font-size:10px;text-transform:uppercase;letter-spacing:.16em;color:var(--gold-text);margin-bottom:17px}.aside-links{border-top:1px solid var(--rule)}.aside-links a{display:flex;gap:10px;padding:13px 0;border-bottom:1px solid var(--rule);font-size:12px;line-height:1.55}.aside-links a[aria-current]{font-weight:700}.aside-links span{color:var(--gold-text);font:12px/1.7 var(--serif)}.aside-cta{margin-top:26px;background:var(--cream);padding:21px}.aside-cta h3{font-size:23px;margin-bottom:12px}.aside-cta p{font-size:12px;margin-bottom:12px}.aside-cta .btn{width:100%;font-size:11px;padding:10px}.callout{padding:24px 28px;border-left:3px solid var(--gold);background:var(--cream);margin:26px 0}.callout p:last-child{margin-bottom:0}.callout h3{margin-top:0}.callout .eyebrow{margin:0 0 11px}.step-list{list-style:none;padding:0;margin:20px 0;display:grid;gap:0;border-top:1px solid var(--rule)}.step-list li{display:flex;align-items:center;gap:20px;border-bottom:1px solid var(--rule);padding:17px 0;font:16px/1.5 var(--sans)}.step-number{width:34px;height:34px;flex-shrink:0;border:1px solid var(--rule);display:flex;align-items:center;justify-content:center;font:13px var(--serif);color:var(--gold-text)}.resource-box{padding:25px 28px;background:var(--cream);border:1px solid var(--rule);margin:28px 0;font-family:var(--sans)}.resource-box h3{margin:0 0 10px;font-size:25px}.resource-box p{font-size:13px;line-height:1.7}.resource-box .small{font-size:12px}.source-note{font:12px/1.7 var(--sans);color:var(--muted);border-top:1px solid var(--rule);margin-top:34px;padding-top:18px}.source-note a,.fine-print a{border-bottom:1px solid var(--rule)}.next-article{border-top:1px solid var(--rule);padding:25px 0 0;margin-top:38px;display:flex;align-items:center;justify-content:space-between;gap:25px;font-family:var(--sans)}.next-article a{font-size:13px}.next-article .next-label{font-size:10px;letter-spacing:.15em;color:var(--gold-text);display:block;text-transform:uppercase;margin-bottom:6px}.rate-card{border:1px solid var(--rule);background:var(--cream);padding:23px;margin:25px 0;font-family:var(--sans)}.rate-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin:21px 0}.rate-item{padding:0 16px;text-align:center;border-right:1px solid var(--rule)}.rate-item:first-child{padding-left:0}.rate-item:last-child{border:0;padding-right:0}.rate-item span{display:block;font-size:9px;letter-spacing:.12em;color:var(--muted)}.rate-item strong{display:block;font:28px/1.5 var(--serif);color:var(--ink)}.rate-card p{font-size:12px;margin:0}.archive-note{font:12px/1.7 var(--sans);border:1px solid var(--rule);padding:17px 20px;margin-bottom:26px;color:var(--muted)}.article-actions{display:flex;gap:12px;flex-wrap:wrap;margin:28px 0}.article-actions .btn{font-family:var(--sans)}
/* Calculator: explicit assumptions, compact progressive disclosure. */
.calc-intro{padding:38px 0 24px}.calc-intro h1{font-size:clamp(36px,5vw,56px);margin-bottom:13px}.calc-intro .lead{max-width:700px;font-size:19px;margin-bottom:12px}.privacy-line{display:flex;align-items:center;gap:10px;font-size:12px;color:var(--muted);margin:12px 0}.privacy-line svg{width:14px;height:14px;flex-shrink:0}.calculator-layout{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(0,.8fr);gap:32px;align-items:start;padding-bottom:38px}.calculator-form{min-width:0;background:#fff;border:1px solid var(--rule);padding:28px}.calc-caption{display:flex;justify-content:space-between;align-items:center;gap:15px;margin-bottom:21px}.calc-caption h2{font-size:26px}.reset-btn{background:none;border:0;color:var(--muted);font-size:11px;min-height:40px;padding:8px}.reset-btn:hover{color:var(--ink);text-decoration:underline}.program-picker{display:grid;grid-template-columns:repeat(4,1fr);border:1px solid var(--rule);border-radius:var(--radius);overflow:hidden;margin-bottom:25px}.program-picker label{cursor:pointer;position:relative;text-align:center}.program-picker input{position:absolute;opacity:0;width:100%;height:100%;left:0;top:0;margin:0;cursor:pointer}.program-picker span{display:flex;min-height:44px;align-items:center;justify-content:center;font-size:11px;position:relative;pointer-events:none;border-right:1px solid var(--rule)}.program-picker label:last-child span{border-right:0}.program-picker input:checked+span{background:var(--ink);color:#fff}.program-picker input:focus-visible+span{outline:3px solid var(--gold);outline-offset:-3px}.fields-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px 20px}.field{min-width:0}.field label,.field-label{display:flex;justify-content:space-between;align-items:center;min-height:23px;font-size:12px;font-weight:700;margin-bottom:8px;gap:10px}.input-shell{position:relative}.input-shell .prefix,.input-shell .suffix{position:absolute;top:50%;transform:translateY(-50%);color:var(--muted);font-size:14px;pointer-events:none}.input-shell .prefix{left:13px}.input-shell .suffix{right:13px}.field input,.field select{width:100%;min-width:0;height:46px;padding:11px 13px;border:1px solid var(--rule);background:var(--paper);font-size:16px;line-height:1.4;color:var(--ink);appearance:auto}.input-shell.prefix-field input{padding-left:29px}.input-shell.suffix-field input{padding-right:36px}.field input[aria-invalid=true]{border-color:#a9322b;background:#fff7f5}.field label .mini-select,.mini-select{height:24px;width:auto;max-width:135px;min-height:24px;font-size:11px;line-height:1;border:0;border-bottom:1px solid var(--rule);padding:0 3px;background:transparent;color:var(--muted);font-weight:400}.field small{display:block;color:var(--muted);font-size:10px;line-height:1.65;margin-top:6px}.loan-mini{display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap;font-size:11px;color:var(--muted);padding:17px 0 2px;margin-top:4px}.loan-mini strong{color:var(--ink);font-weight:400}.calc-details{border-top:1px solid var(--rule);margin-top:24px}.calc-details summary{font-size:13px;font-weight:700;padding:19px 2px;cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:15px}.calc-details summary::-webkit-details-marker{display:none}.calc-details summary:after{content:'+';font-size:20px;font-weight:400;color:var(--gold-text)}.calc-details[open]>summary:after{content:'−'}.calc-details>.details-body{padding:0 0 2px}.details-body>.small{font-size:11px;margin-bottom:18px;color:var(--muted)}.check-field{display:flex;align-items:flex-start;gap:10px;font-size:12px;line-height:1.55;margin:15px 0}.check-field input{margin-top:4px;accent-color:var(--ink);width:17px;height:17px}.program-info{font-size:11px;line-height:1.7;background:var(--cream);padding:15px;margin-top:17px;color:var(--muted)}.program-info:empty{display:none}.calc-error{padding:13px 16px;border-left:3px solid #a9322b;background:#fff3ef;color:#8f2720;font-size:12px;margin-top:15px}.result-card{background:var(--navy);color:var(--paper);padding:30px;position:sticky;top:105px;min-width:0}.result-card .eyebrow{color:var(--gold-soft);font-size:10px;letter-spacing:.15em;margin-bottom:7px}.result-total{font:clamp(41px,5vw,58px)/1.1 var(--serif);letter-spacing:-.035em}.result-total small{font:12px var(--sans);letter-spacing:0;color:#c0c9d6;margin-left:5px}.result-label{color:#b8c3d2;font-size:11px;margin:11px 0 21px}.payment-bar{height:5px;display:flex;width:100%;border-radius:4px;overflow:hidden;gap:2px;margin-bottom:22px;background:#4c5670}.payment-bar span{display:block;background:var(--gold-soft)}.payment-bar span:nth-child(2){background:#889cb8}.payment-bar span:nth-child(3){background:#e4ddd0}.payment-bar span:nth-child(4){background:#b78d49}.payment-bar span:nth-child(5){background:#607493}.payment-bar span:nth-child(6){background:#aeb8c7}.result-rows{margin:0}.result-row{display:flex;justify-content:space-between;gap:14px;font:12px/1.6 var(--sans);padding:7px 0}.result-row dt{color:#c9d1dd}.result-row dd{margin:0;font-variant-numeric:tabular-nums;white-space:nowrap}.result-rule{height:1px;background:#45506a;margin:18px 0}.cash-row{display:flex;align-items:center;justify-content:space-between;gap:14px;font-size:12px}.cash-row strong{font:27px var(--serif)}.result-note{font-size:10px;line-height:1.7;color:#bcc6d4;margin:10px 0 17px}.cash-breakdown{font-size:10px;margin:12px 0 16px;color:#c9d1dd}.cash-breakdown summary{cursor:pointer;min-height:30px;line-height:30px}.cash-breakdown .result-row{font-size:11px;padding:4px 0}.result-card .btn{width:100%;font-size:12px;min-height:45px;padding:11px 14px}.result-utilities{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:10px}.result-utilities button{font-size:10px;background:transparent;color:#fff;border:1px solid #718095;min-height:39px;padding:8px}.result-utilities button:hover{background:#ffffff0e}.compare-tools{display:flex;gap:9px;align-items:center;justify-content:space-between;margin:20px 0 0;color:#bcc6d4;font-size:10px}.compare-tools button{background:transparent;color:#fff;border:1px solid #718095;min-height:34px;font-size:11px;padding:6px 10px}.compare-message{font-size:11px;line-height:1.7;padding:13px;border:1px solid #718095;margin-top:14px;color:#e0e5ec}.calc-footnote{padding:0 0 51px}.calc-footnote .fine-print{border-top:1px solid var(--rule);padding-top:21px;font-size:11px;line-height:1.8;color:var(--muted);max-width:850px}.calc-footnote details{margin-top:17px;font-size:12px;max-width:850px}.calc-footnote summary{cursor:pointer;padding:8px 0;color:var(--ink);font-weight:700}.calc-footnote details p{font-size:11px;line-height:1.8;color:var(--muted);margin:8px 0}.calc-footnote details a{border-bottom:1px solid var(--rule)}.calc-source-links{display:flex;gap:15px;flex-wrap:wrap;margin:13px 0;font-size:11px}.calc-next{padding:25px 0;margin-top:22px;border-top:1px solid var(--rule);display:flex;align-items:center;justify-content:space-between;gap:26px}.calc-next h2{font-size:26px}.calc-next p{font-size:12px;color:var(--muted);margin:8px 0 0}
/* Resources and the personal contact card. */
.resource-layout{display:grid;grid-template-columns:1.2fr 1fr;gap:44px;align-items:start;padding:42px 0 62px}.finder{border:1px solid var(--rule);background:var(--cream);padding:31px}.finder h2{font-size:31px;margin-bottom:16px}.finder>p{font-size:13px;color:var(--muted)}.finder .field{margin:23px 0}.finder-result{padding-top:21px;border-top:1px solid var(--rule)}.finder-result h3{font-size:25px;margin-bottom:13px}.finder-result p{font-size:13px}.resource-cards{display:grid;gap:0;border-top:1px solid var(--rule)}.resource-card{padding:25px 0;border-bottom:1px solid var(--rule)}.resource-card h3{font-size:25px;margin-bottom:12px}.resource-card p{font-size:13px;color:var(--muted)}.contact-page{padding:45px 0 64px}.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:58px;align-items:start}.contact-copy h1{font-size:clamp(40px,5vw,57px);margin-bottom:23px}.contact-copy .lead{font-size:21px}.contact-copy p{font-size:15px}.contact-card{border:1px solid var(--rule);background:var(--cream);padding:34px}.contact-monogram{display:flex;align-items:center;gap:18px;margin-bottom:24px}.monogram{width:64px;height:64px;display:flex;justify-content:center;align-items:center;background:var(--navy);color:var(--gold-soft);font:25px var(--serif);border:1px solid var(--gold);flex-shrink:0}.contact-monogram h2{font-size:29px;margin-bottom:6px}.contact-monogram p{font-size:11px;color:var(--muted);margin:0}.contact-lines{border-top:1px solid var(--rule);padding-top:14px;margin-bottom:22px}.contact-lines a{display:flex;justify-content:space-between;align-items:center;gap:13px;font-size:14px;padding:10px 0;overflow-wrap:anywhere}.contact-lines .contact-email{font-size:12px}.contact-card .btn{width:100%;margin-top:10px}.contact-card .small{font-size:11px;margin-top:17px;color:var(--muted)}.contact-quote{font:25px/1.5 var(--serif);border-left:2px solid var(--gold);padding:6px 0 6px 25px;margin:33px 0}
/* Universal footer. */
.site-footer{border-top:1px solid var(--rule);padding:38px 0 29px;background:var(--cream)}.footer-top{display:flex;justify-content:space-between;align-items:start;gap:35px;padding-bottom:27px;border-bottom:1px solid var(--rule)}.footer-brand{font:25px var(--serif);letter-spacing:.03em;margin-bottom:8px}.footer-tagline{font-size:11px;color:var(--muted);margin:0}.footer-links{display:flex;gap:23px;font-size:11px;align-items:center;flex-wrap:wrap}.footer-links a{min-height:44px;display:flex;align-items:center}.footer-legal{padding-top:20px;display:grid;grid-template-columns:1fr auto;gap:20px}.footer-legal p{font-size:10px;line-height:1.8;color:var(--muted);margin:0}.equal-housing{display:flex;align-items:center;gap:9px;align-self:start;font-size:9px;text-transform:uppercase;letter-spacing:.05em;max-width:115px;line-height:1.5}.equal-housing svg{width:28px;flex-shrink:0}.legal-details{margin-top:18px;font-size:10px;color:var(--muted)}.legal-details summary{cursor:pointer;min-height:33px;display:flex;align-items:center}.legal-details p{font-size:10px;line-height:1.8;max-width:900px;margin:12px 0}.legal-details a{border-bottom:1px solid var(--rule)}.edition-note{font-size:9px;color:var(--muted);margin-top:15px;letter-spacing:.04em}.toast{position:fixed;left:50%;bottom:24px;transform:translateX(-50%);z-index:100;background:var(--navy);border:1px solid var(--gold);padding:13px 22px;color:white;font-size:12px;line-height:1.6;box-shadow:0 8px 35px #0002;max-width:calc(100% - 35px);width:max-content;opacity:0;pointer-events:none;transition:opacity .2s}.toast.show{opacity:1}.noscript-note{padding:20px;background:var(--cream);border:1px solid var(--gold);margin:20px;font-size:14px}.mobile-result-strip{display:none}svg.icon{width:18px;height:18px;vertical-align:middle;flex-shrink:0}.return-reading{display:inline-flex;align-items:center;gap:9px;font-size:12px;color:var(--muted);margin-bottom:16px;min-height:35px}
@keyframes enter{from{opacity:.6;transform:translateY(3px)}to{opacity:1;transform:none}}
@media(min-width:1500px){.hero{min-height:510px}.hero-content{padding-top:52px;padding-bottom:45px}}
@media(max-width:1050px){.wrap{width:calc(100% - 56px)}.top-nav{gap:18px}.contents-layout{grid-template-columns:250px 1fr;gap:42px}.item-title{font-size:21px}.about-grid{gap:36px}.about-copy h2{font-size:35px}.about-copy .mission-lead{font-size:18px}.about-copy .mission-body{font-size:13px}.principle{padding:12px 20px}.principle p{font-size:22px}.tools-panel{padding:37px;gap:35px}.reading-layout{grid-template-columns:minmax(0,1fr) 220px;gap:43px}.calculator-layout{gap:23px;grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr)}.calculator-form,.result-card{padding:23px}.result-total{font-size:46px}.fields-grid{gap:16px}.contact-grid{gap:35px}.contact-card{padding:27px}}
@media(max-width:760px){html{scroll-padding-top:86px}.wrap{width:calc(100% - 38px)}.header-inner{min-height:65px;gap:15px}.wordmark{font-size:22px}.menu-btn{display:block}.top-nav{display:none;position:absolute;top:68px;left:0;right:0;background:var(--paper);padding:16px 20px 24px;border-bottom:1px solid var(--rule);box-shadow:0 10px 20px #0001;gap:0}.top-nav.open{display:grid;grid-template-columns:1fr 1fr}.top-nav a{padding:10px 7px;min-height:45px}.top-nav .contact-nav{margin-top:10px;grid-column:1/-1;justify-content:center}.hero{min-height:500px}.hero-image{height:218px;object-position:center;position:absolute;top:0}.hero:after{background:linear-gradient(0deg,var(--navy) 0%,var(--navy) 55%,rgba(8,22,51,.85) 65%,rgba(8,22,51,0) 88%)}.hero-content{padding-top:169px;padding-bottom:32px}.hero-meta{font-size:9px;letter-spacing:.12em;gap:11px;margin-bottom:16px}.hero-meta span+span:before{padding-right:11px}.hero h1{font-size:65px;line-height:.94;max-width:340px}.hero h1 span{display:inline}.hero h1 span+span:before{content:' ';display:block}.hero-subtitle{font-size:10px;letter-spacing:.13em;margin-top:20px}.hero-deck{font-size:17px;line-height:1.55;max-width:340px;margin-bottom:22px}.hero .actions{gap:9px}.hero .actions .btn{font-size:11px;padding:11px 15px}.editorial-band .wrap{padding-top:13px;padding-bottom:13px;font-size:10px;line-height:1.6;gap:15px}.editorial-band .band-right{display:none}.contents-section{padding:38px 0 40px}.contents-layout{display:block}.contents-intro{padding-top:0;display:grid;grid-template-columns:1fr;gap:0}.contents-intro h2{font-size:37px;margin-bottom:17px}.contents-intro h2 br{display:none}.contents-intro .why{max-width:100%;margin:0 0 24px;font-size:17px}.contents-intro .why span{font-size:16px}.contents-intro .eyebrow{margin-bottom:10px}.contents-item{grid-template-columns:25px 1fr 19px;gap:10px;min-height:85px;padding:16px 2px}.item-title{font-size:20px;line-height:1.3}.item-meta{font-size:9px;gap:10px;letter-spacing:.06em}.item-number{font-size:13px}.about-section{padding:39px 0}.about-grid{display:flex;flex-direction:column;gap:32px}.portrait-frame{width:100%}.portrait-frame img{aspect-ratio:1700/925}.portrait-frame figcaption{padding-top:12px}.portrait-frame figcaption strong{font-size:26px}.portrait-frame figcaption span{font-size:10px}.about-copy h2{font-size:35px}.about-copy .mission-lead{font-size:20px}.about-copy .mission-body{font-size:14px;line-height:1.8}.about-copy .eyebrow{margin-bottom:12px}.signature{width:180px}.principles{padding:40px 0 36px}.principles .eyebrow{margin-bottom:18px}.principles-grid{grid-template-columns:1fr;margin-top:0}.principle{padding:24px 6px}.principle+.principle{border-left:0;border-top:1px solid var(--rule)}.principle:before{margin-bottom:11px;font-size:18px}.principle p{font-size:25px}.work-motto{grid-template-columns:1fr 1fr;gap:20px 16px;margin-top:20px;padding-top:23px}.work-motto span{font-size:11px}.tools-teaser{padding-bottom:40px}.tools-panel{grid-template-columns:1fr;gap:30px;padding:29px 24px}.tools-panel h2{font-size:36px}.tools-panel p{font-size:13px}.tools-panel .eyebrow{font-size:10px}.tool-link{font-size:13px;padding:17px 0}.tool-link small{font-size:11px}.page-head{padding:29px 0 25px}.crumb{margin-bottom:22px;font-size:10px;gap:10px}.page-head h1{font-size:38px;margin-bottom:17px}.page-head .lead{font-size:19px}.page-meta{font-size:10px;gap:13px}.reading-layout{display:block;padding-top:27px;padding-bottom:38px}.reading-aside{display:none}.article-body{font-size:18px;line-height:1.8}.article-body .intro{font-size:20px}.article-body h2{font-size:26px;margin-top:29px}.article-body h3{font-size:23px}.callout{padding:21px;margin:23px 0}.resource-box{padding:22px}.step-list li{font-size:14px;gap:15px}.step-number{width:32px;height:32px}.rate-card{padding:21px}.rate-grid{grid-template-columns:1fr 1fr;gap:17px 0}.rate-item{padding:0 14px!important}.rate-item:nth-child(2){border-right:0}.rate-item strong{font-size:29px}.next-article{gap:18px;align-items:start}.next-article a{font-size:12px}.next-article a:first-child{max-width:32%}.next-article a:last-child{text-align:right;max-width:65%}.calc-intro{padding:29px 0 20px}.calc-intro h1{font-size:39px}.calc-intro .lead{font-size:18px}.privacy-line{font-size:11px;align-items:start;line-height:1.65}.privacy-line svg{margin-top:3px}.calculator-layout{display:flex;flex-direction:column;gap:20px;padding-bottom:26px}.calculator-form{width:100%;padding:23px 19px}.calc-caption{margin-bottom:17px}.calc-caption h2{font-size:26px}.program-picker{margin-bottom:23px}.program-picker span{font-size:10px}.fields-grid{gap:17px 14px}.field label,.field-label{font-size:11px;gap:5px;align-items:center}.field label .mini-select{max-width:105px;font-size:10px}.field input,.field select{font-size:16px}.loan-mini{font-size:10px;gap:9px}.calc-details summary{font-size:12px}.result-card{position:static;width:100%;padding:27px 23px}.result-total{font-size:55px}.result-row{font-size:13px}.result-note{font-size:11px}.cash-row strong{font-size:29px}.result-card .btn{font-size:12px}.result-utilities button{font-size:11px;min-height:42px}.calc-footnote{padding-bottom:28px}.calc-next{display:block;padding-bottom:8px}.calc-next .actions{margin-top:20px}.calc-footnote .fine-print{font-size:11px}.resource-layout{grid-template-columns:1fr;gap:30px;padding:30px 0 42px}.finder{padding:25px}.finder h2{font-size:29px}.contact-page{padding:30px 0 40px}.contact-grid{grid-template-columns:1fr;gap:26px}.contact-copy h1{font-size:39px}.contact-copy .lead{font-size:19px}.contact-copy p{font-size:14px}.contact-card{padding:26px 22px}.contact-quote{font-size:23px;margin:24px 0 0}.contact-lines .contact-email{font-size:11px}.footer-top{display:block;padding-bottom:20px}.footer-links{gap:19px;margin-top:17px;justify-content:space-between}.footer-brand{font-size:24px}.footer-legal{grid-template-columns:1fr auto;gap:12px}.footer-legal p{font-size:9px}.equal-housing{font-size:8px;max-width:92px;gap:5px}.equal-housing svg{width:22px}.site-footer{padding:29px 0 102px}.mobile-dock{display:grid;grid-template-columns:repeat(4,1fr);position:fixed;z-index:50;bottom:0;left:0;right:0;background:var(--paper);border-top:1px solid var(--rule);padding:5px 9px max(7px,env(safe-area-inset-bottom));box-shadow:0 -4px 18px #08163308}.mobile-dock a{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:4px;min-height:49px;font-size:9px;color:var(--muted);line-height:1.3}.mobile-dock a svg{width:19px;height:19px}.mobile-dock a[aria-current]{color:var(--ink)}.mobile-dock a[aria-current]:after{content:'';width:15px;height:2px;background:var(--gold);position:absolute;top:3px}.toast{bottom:85px;font-size:11px;padding:12px 17px}.mobile-result-strip{display:flex;position:sticky;top:68px;z-index:25;justify-content:space-between;align-items:center;gap:15px;margin:0 -19px 19px;padding:12px 19px;background:var(--navy);color:var(--paper)}.mobile-result-strip span{display:block;font-size:9px;color:#cbd4df}.mobile-result-strip strong{font:25px var(--serif);margin-top:2px;display:block}.mobile-result-strip a{font-size:11px;border:1px solid #718095;padding:8px 12px;border-radius:var(--radius);min-height:37px}.calc-mobile-wrap{position:relative}.return-reading{font-size:11px;margin-bottom:10px}.section{padding:40px 0}}
@media(max-width:359px){.wrap{width:calc(100% - 30px)}.wordmark{font-size:20px}.hero h1{font-size:59px}.hero .actions .btn{font-size:10px;padding:10px 12px}.item-title{font-size:18px}.calculator-form{padding:19px 15px}.fields-grid{gap:16px 10px}.field label{font-size:10px}.field label .mini-select{max-width:82px}.program-picker span{font-size:9px}.result-total{font-size:50px}.contact-monogram h2{font-size:25px}.footer-links{gap:13px;font-size:10px}.mobile-result-strip{margin-left:-15px;margin-right:-15px;padding-left:15px;padding-right:15px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{animation:none!important;transition:none!important}.btn:hover{transform:none}}
@media print{@page{size:letter;margin:16mm}html,body{background:#fff!important;color:#111!important;font-size:11pt}.wrap{width:100%;max-width:none}.site-header,.site-footer,.mobile-dock,.reading-aside,.toast,.mobile-result-strip,.menu-btn,.btn,.article-actions,.actions,.next-article,.crumb,.reset-btn,.result-utilities,.compare-tools,.calc-next,.return-reading{display:none!important}.view{animation:none}.hero{min-height:370px;print-color-adjust:exact;-webkit-print-color-adjust:exact}.hero-content{padding:30px}.reading-layout,.calculator-layout,.contact-grid,.resource-layout{display:block}.article-body{font-size:11pt;line-height:1.65}.page-head{padding-top:0}.page-head h1{font-size:27pt}.article-body h2,.article-body h3{break-after:avoid}.callout,.resource-box,.rate-card,.principle,.result-card{break-inside:avoid}.calculator-form{padding:18px;break-inside:avoid;margin-bottom:20px}.calculator-form details:not([open]){display:none}.result-card{position:static;background:var(--navy)!important;color:#fff!important;print-color-adjust:exact;-webkit-print-color-adjust:exact}.result-total{font-size:38pt}.calc-intro h1{font-size:27pt}.calc-footnote .fine-print{font-size:8pt}.about-grid{grid-template-columns:1fr 1fr;gap:25px}.about-copy .mission-lead{font-size:12pt}.about-copy .mission-body{font-size:10pt}.section,.principles,.about-section{padding:28px 0}.tools-panel{print-color-adjust:exact;-webkit-print-color-adjust:exact}.fine-print a:after{content:' (' attr(href) ')';font-size:7pt;overflow-wrap:anywhere}body{padding-bottom:0}}

/* Programmatic heading focus stays silent; interactive keyboard focus stays visible. */
[tabindex="-1"]:focus{outline:none}.portrait-note{font:21px/1.5 var(--serif);color:var(--ink);margin:25px 0 0;max-width:490px}.field label{min-height:30px}.field label .mini-select{height:30px;min-height:30px}
@media(max-width:760px){.portrait-note{font-size:19px;margin-top:21px}}

/* 1.1.2 editorial and accessibility refinement.
   Preserve the restrained publication character while making supporting text,
   controls and legal information comfortably readable without pinch-to-zoom. */
p{overflow-wrap:break-word;text-wrap:pretty}.eyebrow{font-size:12px}.top-nav a{font-size:14px}.menu-btn{font-size:13px}.hero-meta,.hero-subtitle{font-size:12px}.editorial-band .wrap{font-size:12px}.item-meta{font-size:12px;flex-wrap:wrap;row-gap:2px}.portrait-frame figcaption span,.work-motto span,.tool-link small{font-size:12px}.crumb,.page-meta{font-size:12px}.aside-title{font-size:12px}.aside-links a{font-size:13px}.aside-links span{font-size:13px}.aside-cta p,.aside-cta .btn{font-size:12px}.rate-item span{font-size:12px}.rate-card p,.archive-note{font-size:13px}.reset-btn{font-size:12px}.program-picker span{font-size:13px}.field label,.field-label{font-size:14px}.field label .mini-select,.mini-select{font-size:12px}.field small,.loan-mini,.details-body>.small,.program-info{font-size:12px}.calc-details summary{font-size:14px;min-height:48px}.check-field{font-size:13px}.calc-error{font-size:13px}.result-card .eyebrow,.result-label,.result-note,.cash-breakdown,.compare-tools,.compare-message{font-size:12px}.result-row,.cash-row{font-size:13px}.cash-breakdown .result-row{font-size:12px}.result-utilities button,.compare-tools button,#save-comparison{font-size:12px!important;min-height:44px!important}.calc-footnote .fine-print,.calc-footnote details p,.calc-source-links{font-size:12px}.contact-monogram p,.contact-card .small{font-size:12px}.footer-tagline,.footer-links{font-size:12px}.footer-legal p,.legal-details,.legal-details p,.edition-note,.equal-housing{font-size:12px}.legal-details summary{min-height:44px}.mobile-dock a{font-size:11px}

@media(max-width:760px){html{scroll-padding-bottom:92px}.top-nav a{font-size:14px}.hero-meta,.hero-subtitle{font-size:12px}.hero .actions{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));width:100%;max-width:360px}.hero .actions .btn{width:100%;font-size:12px;padding:11px 10px}.editorial-band .wrap{font-size:12px}.contents-intro h2 br{display:block}.item-meta{font-size:11px}.portrait-frame figcaption span{font-size:12px}.work-motto span{font-size:12px}.tools-panel .eyebrow,.tool-link small{font-size:12px}.crumb,.page-meta{font-size:12px}.program-picker span{font-size:12px}.field label,.field-label{font-size:13px}.field label .mini-select{font-size:12px;max-width:118px}.field small,.loan-mini{font-size:12px}.privacy-line{font-size:12px}.result-note,.calc-footnote .fine-print,.contact-lines .contact-email,.contact-card .small{font-size:12px}.footer-links{font-size:13px}.footer-legal p,.edition-note,.equal-housing{font-size:11px}.mobile-result-strip span{font-size:11px}.mobile-result-strip a{font-size:12px;min-height:44px}.mobile-dock a{font-size:11px;min-height:54px}.site-footer{padding-bottom:112px}}

@media(max-width:359px){.hero .actions .btn{font-size:11px}.program-picker span{font-size:11px}.field label{font-size:12px}.field label .mini-select{font-size:11px;max-width:96px}.footer-links{font-size:12px}.footer-legal p,.edition-note,.equal-housing{font-size:10px}}

body{background:var(--paper)}.lx-global{background:var(--navy);color:#fff;border-bottom:1px solid #263a58}.lx-global .wrap{min-height:42px;display:flex;align-items:center;justify-content:space-between;gap:18px}.lx-global a{font-size:12px;letter-spacing:.06em}.lx-global strong{font-family:var(--serif);font-weight:700;letter-spacing:.04em}.lx-global .links{display:flex;gap:20px}.lx-global .links a{color:#d8dfea}.lx-article-header{position:sticky;top:0;z-index:45}.site-return-row{margin-top:34px;padding-top:22px;border-top:1px solid var(--rule);display:flex;gap:15px;flex-wrap:wrap}.site-return-row a{display:inline-flex;min-height:44px;align-items:center;font:700 12px var(--sans);border-bottom:1px solid var(--gold)}.site-footer{padding-bottom:40px}.site-footer .footer-legal,.site-footer .legal-details,.site-footer .edition-note{display:none}.site-footer .footer-top{border-bottom:0;padding-bottom:0}.site-footer .footer-tagline{max-width:650px}.site-footer .footer-links a[href="#calculator"],.site-footer .footer-links a[href="#resources"],.site-footer .footer-links a[href="#contact"]{display:none}@media(max-width:760px){.lx-global .wrap{width:calc(100% - 30px);min-height:44px}.lx-global .links{gap:12px}.lx-global a{font-size:11px}.site-footer{padding-bottom:38px}.reading-layout{padding-bottom:40px}}