/* Rung 4.0 — Editorial + Workbench. Load after rung-base.css.
   Opt-in components: no selectors affect a page without .rung-v4.
   All color, font, radius, and spacing values use the existing token source. */
.rung-v4{color:var(--rung-text-body);background:var(--rung-surface);font-family:var(--rung-font-sans);font-size:var(--rung-font-size-body);line-height:1.65;}
.rung-v4 *{box-sizing:border-box;}
.rung-v4 [hidden]{display:none!important;}
.rung-v4 h1,.rung-v4 h2,.rung-v4 h3{font-family:var(--rung-font-serif);font-weight:400;color:var(--rung-text);line-height:1.06;letter-spacing:-.04em;margin:0 0 var(--rung-space-5);}
.rung-v4 h1{font-size:clamp(40px,6vw,78px);line-height:1.02;}
.rung-v4 h2{font-size:clamp(28px,3.5vw,40px);}
.rung-v4 h3{font-size:clamp(23px,2.5vw,28px);}
.rung-v4 p{margin:0 0 var(--rung-space-4);}
.rung-v4 a{color:var(--rung-ember-deep);text-underline-offset:4px;}
.rung-v4 :is(a,button,input,select,summary,[tabindex]):focus-visible{outline:3px solid var(--rung-ember-deep);outline-offset:4px;}
.rung-v4 :is(button,input,select){font-family:var(--rung-font-sans);}
.rung-v4 .rv-shell{width:100%;max-width:1200px;margin-inline:auto;padding-inline:clamp(var(--rung-space-4),5vw,var(--rung-space-8));}
.rung-v4 .rv-header{border-bottom:1px solid var(--rung-line);padding-block:var(--rung-space-5);}
.rung-v4 .rv-header>.rv-shell{display:flex;align-items:center;justify-content:space-between;gap:var(--rung-space-5);}
.rung-v4 .rv-nav{display:flex;gap:var(--rung-space-5);align-items:center;flex-wrap:wrap;}
.rung-v4 .rv-nav a{font-size:15px;color:var(--rung-text);text-decoration:none;min-height:44px;display:inline-flex;align-items:center;}
.rung-v4 .rv-nav a:hover{text-decoration:underline;}
.rung-v4 .rv-menu{display:none;}
.rung-v4 .rv-menu summary{cursor:pointer;min-height:44px;padding:var(--rung-space-2);}
.rung-v4 .rv-category{font-size:13px;color:var(--rung-text-muted);margin-bottom:var(--rung-space-5);}
.rung-v4 .rv-hero{display:grid;grid-template-columns:1.4fr 1fr;gap:var(--rung-space-8);align-items:end;padding-block:var(--rung-space-8);}
.rung-v4 .rv-hero h1{margin-bottom:0;}
.rung-v4 .rv-lede{font-size:var(--rung-font-size-body);max-width:40ch;}
.rung-v4 .rv-section{border-top:1px solid var(--rung-line);padding-block:var(--rung-space-7);scroll-margin-top:var(--rung-space-5);}
.rung-v4 .rv-reading{max-width:65ch;}
.rung-v4 .rv-editorial{display:grid;grid-template-columns:1fr 3fr;gap:var(--rung-space-7);}
.rung-v4 .rv-note{font-size:13px;line-height:1.8;color:var(--rung-text-muted);}
.rung-v4 .rv-caption{font-size:13px;color:var(--rung-text-muted);display:block;}
.rung-v4 .rv-money{font-family:var(--rung-font-sans);font-variant-numeric:tabular-nums;letter-spacing:-.045em;line-height:1.15;color:var(--rung-text);font-size:clamp(32px,4.3vw,56px);margin-block:var(--rung-space-3) var(--rung-space-5);overflow-wrap:anywhere;}
.rung-v4 .rv-money-pair{display:grid;grid-template-columns:1fr 1fr;gap:var(--rung-space-5);}
.rung-v4 .rv-money-pair>*{min-width:0;}
.rung-v4 .rv-money-pair .rv-money{font-size:clamp(27px,3.8vw,48px);}
.rung-v4 .rv-equation{display:flex;justify-content:space-between;gap:var(--rung-space-5);border-block:1px solid var(--rung-line);padding-block:var(--rung-space-4);margin-bottom:var(--rung-space-5);font-size:15px;}
.rung-v4 .rv-equation strong{font-variant-numeric:tabular-nums;white-space:nowrap;}
.rung-v4 .rv-workbench{display:grid;grid-template-columns:.9fr 1.3fr;border-block:1px solid var(--rung-line);}
.rung-v4 .rv-inputs{padding:var(--rung-space-6) var(--rung-space-6) var(--rung-space-6) 0;border-right:1px solid var(--rung-line);min-width:0;}
.rung-v4 .rv-results{padding:var(--rung-space-6) 0 var(--rung-space-6) var(--rung-space-6);min-width:0;}
.rung-v4 .rv-field{display:flex;flex-direction:column;gap:var(--rung-space-2);margin-bottom:var(--rung-space-5);}
.rung-v4 .rv-field label{font-size:15px;color:var(--rung-text);}
.rung-v4 .rv-input,.rung-v4 .rv-select{background:var(--rung-surface);color:var(--rung-text);border:1px solid var(--rung-text-muted);border-radius:var(--rung-radius-sm);font-size:16px;min-height:48px;padding:var(--rung-space-3);width:100%;}
.rung-v4 [aria-invalid=true]{border-color:var(--rung-danger);}
.rung-v4 .rv-error{color:var(--rung-danger);font-size:15px;}
.rung-v4 .rv-choice{display:flex;flex-wrap:wrap;gap:var(--rung-space-2);border:0;padding:0;margin:0 0 var(--rung-space-5);}
.rung-v4 .rv-choice legend{font-size:15px;margin-bottom:var(--rung-space-2);}
.rung-v4 .rv-choice label{display:inline-flex;align-items:center;gap:var(--rung-space-2);min-height:44px;padding:var(--rung-space-2);font-size:15px;cursor:pointer;}
.rung-v4 .rv-choice input{accent-color:var(--rung-ember-deep);width:18px;height:18px;}
.rung-v4 .rv-cost-bar{display:flex;gap:var(--rung-space-1);height:24px;margin-block:var(--rung-space-5) var(--rung-space-3);}
.rung-v4 .rv-cash{background:var(--rung-dusk);min-width:0;}
.rung-v4 .rv-cost{background:var(--rung-ember-deep);flex:1;min-width:0;}
.rung-v4 .rv-key{display:flex;justify-content:space-between;gap:var(--rung-space-4);flex-wrap:wrap;font-size:13px;margin-bottom:var(--rung-space-6);}
.rung-v4 .rv-key>span::before{content:'';display:inline-block;width:8px;height:8px;background:var(--rung-dusk);margin-right:var(--rung-space-2);}
.rung-v4 .rv-key>span:last-child::before{background:var(--rung-ember-deep);}
.rung-v4 .rv-table-wrap{overflow-x:auto;}
.rung-v4 .rv-table{border-collapse:collapse;width:100%;font-size:15px;}
.rung-v4 .rv-table caption{text-align:left;font-size:17px;color:var(--rung-text);margin-bottom:var(--rung-space-4);}
.rung-v4 .rv-table th,.rung-v4 .rv-table td{padding:var(--rung-space-4) var(--rung-space-3);border-bottom:1px solid var(--rung-line);text-align:left;vertical-align:top;}
.rung-v4 .rv-table th{font-weight:600;color:var(--rung-text);}
.rung-v4 .rv-table .rv-numeric{text-align:right;font-variant-numeric:tabular-nums;}
.rung-v4 .rv-next{display:grid;grid-template-columns:1fr 1fr;gap:var(--rung-space-8);border-top:1px solid var(--rung-line);padding-block:var(--rung-space-7);}
.rung-v4 .rv-primary{display:inline-flex;align-items:center;justify-content:space-between;gap:var(--rung-space-5);min-height:48px;padding:var(--rung-space-3) var(--rung-space-5);background:var(--rung-ember-deep);color:var(--rung-white);font-size:15px;font-weight:600;text-decoration:none;border:1px solid transparent;border-radius:var(--rung-radius-sm);cursor:pointer;transition:transform 160ms var(--rung-ease-soft);}
.rung-v4 .rv-primary:hover{transform:translateY(-2px);text-decoration:underline;}
.rung-v4 .rv-primary:disabled{background:var(--rung-surface-alt);color:var(--rung-text-muted);border-color:var(--rung-text-muted);cursor:not-allowed;transform:none;}
.rung-v4 .rv-secondary{display:inline-flex;align-items:center;min-height:44px;font-size:15px;}
.rung-v4 .rv-details{border-top:1px solid var(--rung-line);padding-block:var(--rung-space-4);}
.rung-v4 .rv-details summary{cursor:pointer;min-height:44px;display:list-item;align-content:center;color:var(--rung-text);}
.rung-v4 .rv-details>div{max-width:65ch;margin-top:var(--rung-space-4);font-size:15px;}
.rung-v4 .rv-footer{border-top:1px solid var(--rung-line);padding-block:var(--rung-space-5);font-size:13px;color:var(--rung-text-muted);}
:root[data-theme=dark] .rung-v4 .rv-primary:not(:disabled){color:var(--rung-brand-ink);}
@media(prefers-color-scheme:dark){:root:not([data-theme=light]) .rung-v4 .rv-primary:not(:disabled){color:var(--rung-brand-ink);}}
@media(max-width:760px){
 .rung-v4 .rv-hero,.rung-v4 .rv-editorial,.rung-v4 .rv-workbench,.rung-v4 .rv-next{grid-template-columns:1fr;gap:var(--rung-space-5);}
 .rung-v4 .rv-hero{padding-block:var(--rung-space-7);}
 .rung-v4 .rv-section,.rung-v4 .rv-next{padding-block:var(--rung-space-6);}
 .rung-v4 .rv-inputs{border-right:0;border-bottom:1px solid var(--rung-line);padding:var(--rung-space-5) 0;}
 .rung-v4 .rv-results{padding:0 0 var(--rung-space-5);}
 .rung-v4 .rv-header>.rv-shell{flex-wrap:wrap;gap:var(--rung-space-3);}
 .rung-v4 .rv-nav{display:none;}.rung-v4 .rv-menu{display:block;}
 .rung-v4 .rv-menu[open]{flex-basis:100%;}.rung-v4 .rv-menu nav{display:flex;flex-wrap:wrap;gap:var(--rung-space-4);}
 .rung-v4 .rv-menu a{display:inline-flex;align-items:center;min-height:44px;}
}
@media(max-width:380px){.rung-v4 .rv-money-pair{gap:var(--rung-space-3);}.rung-v4 .rv-money-pair .rv-money{font-size:26px;}}
@media(prefers-reduced-motion:reduce){.rung-v4 .rv-primary{transition:none;}.rung-v4 .rv-primary:hover{transform:none;}}

/* Wave 1 page chrome and production components. Legacy pages remain untouched. */
.rung-v4 .rv-article{padding-bottom:var(--rung-space-6);}
.rung-v4 .rv-crumbs{display:flex;flex-wrap:wrap;align-items:center;gap:var(--rung-space-2);font-size:13px;line-height:1.5;padding-top:var(--rung-space-5);color:var(--rung-text-muted);}
.rung-v4 .rv-crumbs a{color:var(--rung-text-muted);}
.rung-v4 .rv-meta{font-size:13px;color:var(--rung-text-muted);padding-bottom:var(--rung-space-5);margin:0;}
.rung-v4 .rv-hero .rv-lede p+p{font-size:15px;}
.rung-v4 .rv-related-list{display:grid;gap:var(--rung-space-3);padding-left:var(--rung-space-5);max-width:65ch;}
.rung-v4 .rv-next-reading{grid-template-columns:1fr;max-width:65ch;}
.rung-v4 .rv-calculator{margin:0;padding:0;border:0;background:transparent;}
.rung-v4 .rv-money-total{font-size:clamp(36px,5vw,70px);}
.rung-v4 .rv-result-pair{border-top:1px solid var(--rung-line);padding-top:var(--rung-space-5);}
.rung-v4 .rv-facts{margin:0 0 var(--rung-space-5);font-size:15px;}
.rung-v4 .rv-facts>div{display:flex;justify-content:space-between;gap:var(--rung-space-5);padding-block:var(--rung-space-3);border-bottom:1px solid var(--rung-line);}
.rung-v4 .rv-facts dt{max-width:30ch;}.rung-v4 .rv-facts dd{margin:0;text-align:right;font-variant-numeric:tabular-nums;color:var(--rung-text);}
.rung-v4 .rv-results p:not(.rv-money){font-size:15px;}
.rung-v4 .rv-results .rv-caption,.rung-v4 .rv-result-warnings{font-size:13px;color:var(--rung-text-muted);}
.rung-v4 .rv-result-warnings{padding-left:var(--rung-space-5);}
.rung-v4 .rv-key b,.rung-v4 .rv-key [data-output]{font-weight:500;}
.rung-v4 .rv-table td{font-variant-numeric:tabular-nums;}
.rung-v4 .rv-calculator-actions{padding-top:var(--rung-space-5);}
.rung-v4 .rv-reset{font:inherit;font-size:15px;min-height:44px;border:0;border-bottom:1px solid var(--rung-line);background:transparent;color:var(--rung-ember-deep);cursor:pointer;padding:var(--rung-space-2) 0;margin-bottom:var(--rung-space-3);}
.rung-v4 .rv-reset:hover{text-decoration:underline;}
.rung-v4 .rv-offer .rv-primary{margin-top:var(--rung-space-2);}
.rung-v4 .rv-offer .rv-caption{font-size:13px;}
.rung-v4 .rv-calculator rung-offer-options[placement="result"]{display:none;}
.rung-v4 .rv-calculator[data-result-state="valid"][data-user-interacted="true"] rung-offer-options[placement="result"]:defined:not([hidden]){display:block;}
.rung-v4 header.site{position:relative;background:var(--rung-surface);backdrop-filter:none;}
.rung-v4 header.site .site-inner{max-width:1200px;padding:var(--rung-space-5) clamp(var(--rung-space-4),5vw,var(--rung-space-8));min-height:0;}
.rung-v4 nav.primary a,.rung-v4 nav.primary summary{border-radius:var(--rung-radius-sm);font-size:15px;}
.rung-v4 nav.primary a.offer{background:transparent;color:var(--rung-ember-deep);}
.rung-v4 nav.primary a.offer:hover{text-decoration:underline;}
.rung-v4 .nav-panel{box-shadow:var(--rung-shadow-sm);border-radius:var(--rung-radius-sm);}
.rung-v4 .menu-btn{color:var(--rung-text);background:transparent;border:1px solid var(--rung-text-muted);border-radius:var(--rung-radius-sm);min-height:44px;}
.rung-v4 .rv-mobile-options{display:none;}
.rung-v4 .mobile-nav .mobile-primary-action{background:var(--rung-ember-deep);border-color:var(--rung-ember-deep);color:var(--rung-white);}
.rung-v4 footer.site{background:var(--rung-surface);color:var(--rung-text-body);margin-top:var(--rung-space-6);border-top:1px solid var(--rung-line);padding-top:var(--rung-space-7);}
.rung-v4 footer.site>.shell{max-width:1200px;padding-inline:clamp(var(--rung-space-4),5vw,var(--rung-space-8));}
.rung-v4 footer.site a,.rung-v4 footer.site .brandcol p,.rung-v4 footer.site .legal .disc{color:var(--rung-text-muted);}
.rung-v4 footer.site a:hover{color:var(--rung-text);text-decoration:underline;}
.rung-v4 footer.site h4{color:var(--rung-text);text-transform:none;letter-spacing:0;font-weight:600;font-size:15px;}
.rung-v4 footer.site .legal{border-color:var(--rung-line);}
.rung-v4 footer.site .legal .disc{font-size:13px;}
:root[data-theme=dark] .rung-v4{color-scheme:dark;}
:root[data-theme=light] .rung-v4{color-scheme:light;}
:root[data-theme=dark] .rung-v4 .mobile-nav .mobile-primary-action{color:var(--rung-brand-ink);}
@media(max-width:980px){.rung-v4 .rv-mobile-options{display:inline-flex;align-items:center;min-height:44px;margin-left:auto;font-size:13px;white-space:nowrap;text-decoration:none;}.rung-v4 .menu-btn{margin-left:0;font-size:13px;padding-inline:var(--rung-space-2);}.rung-v4 header.site .site-inner{gap:var(--rung-space-3);}.rung-v4 .rung-logo-adaptive,.rung-v4 .rung-logo{width:114px;height:31px;}}
@media(max-width:480px){.rung-v4 .rung-logo-adaptive,.rung-v4 .rung-logo{width:94px;height:26px;}.rung-v4 header.site .site-inner{gap:var(--rung-space-2);padding-block:var(--rung-space-3);}.rung-v4 .rv-table th,.rung-v4 .rv-table td{padding-inline:var(--rung-space-2);}.rung-v4 .rv-money-total{font-size:42px;}}
@media(prefers-reduced-motion:reduce){html:has(body.rung-v4){scroll-behavior:auto;}}

/* Route choices are separate tasks, with a clear reading order. */
.rung-v4 .rv-route-list{list-style:none;padding:0;margin:0;}
.rung-v4 .rv-route-list li{border-bottom:1px solid var(--rung-line);padding:var(--rung-space-5) 0;}
.rung-v4 .rv-route-list a{display:flex;align-items:center;justify-content:space-between;gap:var(--rung-space-4);font-size:clamp(20px,2.3vw,28px);text-decoration:none;line-height:1.3;}
.rung-v4 .rv-route-list p{margin:var(--rung-space-3) 0 0;font-size:16px;}
.rung-v4 .rv-route-list a:hover{text-decoration:underline;}

.rung-v4 .rv-compare-form{border-top:1px solid var(--rung-line);margin-block:var(--rung-space-6);}
.rung-v4 .rv-compare-inputs,.rung-v4 .rv-compare-out{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:var(--rung-space-5);padding-block:var(--rung-space-5);}
.rung-v4 .rv-compare-inputs>.rv-field,.rung-v4 .rv-compare-inputs>.calc-optional,.rung-v4 .rv-compare-inputs>.callout,.rung-v4 .rv-compare-inputs>.calculator-actions{grid-column:1/-1;}
.rung-v4 .rv-compare-inputs>.rv-field{max-width:360px;}
.rung-v4 .rv-offer-column{min-width:0;border-top:1px solid var(--rung-line);padding-top:var(--rung-space-5);}
.rung-v4 .rv-offer-column small{display:block;font-size:13px;line-height:1.5;color:var(--rung-text-muted);}
.rung-v4 .rv-compare-out>[data-example-status],.rung-v4 .rv-compare-out>[data-result-summary],.rung-v4 .rv-compare-out>ul{grid-column:1/-1;}
.rung-v4 .rv-result-row{display:flex;justify-content:space-between;align-items:baseline;gap:var(--rung-space-3);padding-block:var(--rung-space-3);border-bottom:1px solid var(--rung-line);font-size:15px;}
.rung-v4 .rv-result-row .v{font-weight:600;font-variant-numeric:tabular-nums;overflow-wrap:anywhere;}
.rung-v4 .rv-result-row .k{color:var(--rung-text-muted);}
.rung-v4 .rv-compare-out>.rv-result-row{display:block;}
.rung-v4 .rv-compare-out>.rv-result-row .v{display:block;font-size:32px;}
.rung-v4 .rv-compare-form rung-offer-options{display:none;}
.rung-v4 .rv-compare-form[data-result-state="valid"][data-user-interacted="true"] rung-offer-options:defined:not([hidden]){display:block;}
.rung-v4 [hidden]{display:none!important;}
@media(max-width:760px){.rung-v4 .rv-compare-inputs,.rung-v4 .rv-compare-out{grid-template-columns:1fr;}}

/* Single-question tools give the result its own ruled reading area. */
.rung-v4 .rv-workbench-form .rv-compare-out { grid-template-columns:1fr; }
.rung-v4 .rv-workbench-form .rv-compare-out > .rv-result-row { display:flex; font-size:inherit; }
.rung-v4 .rv-workbench-form .rv-compare-inputs { grid-template-columns:repeat(2,minmax(0,1fr)); }
.rung-v4 .rv-workbench-form .rv-compare-inputs > h3 { grid-column:1/-1; }
.rung-v4 .rv-workbench-form .rv-compare-inputs > .debt-rows { grid-column:1/-1; }
.rung-v4 .rv-answer { margin-block:2rem; }
.rung-v4 .rv-answer h3 { font:600 1.125rem/1.45 var(--rung-font-sans); }
@media(max-width:760px){.rung-v4 .rv-workbench-form .rv-compare-inputs{grid-template-columns:1fr;}}

/* Research uses the same ledger; dense evidence stays in labeled, scrollable tables. */
.rung-v4 .rv-research .rv-section > p,
.rung-v4 .rv-research .rv-section > ul,
.rung-v4 .rv-research .rv-section > ol { max-width:72ch; }
.rung-v4 .rv-note { border-inline-start:3px solid var(--rung-ember-deep); padding:1rem 1.5rem; margin:2rem 0; }
.rung-v4 .rv-note h3 { font:600 1.125rem/1.4 var(--rung-font-sans); }
.rung-v4 .rv-research .rv-table { min-width:640px; }
.rung-v4 .rv-toc { margin-block:2rem; }
.rung-v4 .rv-research .guide-checklist { padding-inline-start:1.4rem; }
.rung-v4 .money-input:has(.money-prefix) .rv-input { padding-inline-start:var(--rung-space-7); }
.rung-v4 .money-input:has(.money-suffix) .rv-input { padding-inline-end:var(--rung-space-7); }
.rung-v4 .rv-trust-body { max-width:72ch; }
.rung-v4 .rv-trust-body > div > section { margin-block:0; }
.rung-v4 .rv-note { font-size:1rem; color:var(--rung-text-body); border-color:var(--rung-ember-deep); }
.rung-v4 .rv-table-wrap { max-width:100%; }
.rung-v4 .rv-research :is(p,a,code) { overflow-wrap:anywhere; }
.rung-v4 .rv-research-links { display:grid; grid-template-columns:repeat(2,minmax(0,1fr)); gap:1.5rem; margin-block:2rem; }
.rung-v4 .rv-research-links a { display:flex; flex-direction:column; gap:.5rem; padding-block:1rem; border-top:1px solid var(--rung-line); }
.rung-v4 .rv-research-links .label { font-size:.8rem; color:var(--rung-text-muted); }
.rung-v4 .rv-research-links .t { font:400 1.4rem/1.25 var(--rung-font-serif); }
@media(max-width:760px){.rung-v4 .rv-research-links{grid-template-columns:1fr;}}
.rung-v4 .rv-principles { display:grid; grid-template-columns:repeat(3,minmax(0,1fr)); gap:2rem; margin-block:2rem; }
.rung-v4 .rv-principle { border-top:1px solid var(--rung-line); padding-block:1rem; }
@media(max-width:760px){.rung-v4 .rv-principles{grid-template-columns:1fr;}}

/* Home and Start are decision surfaces, with compact choices before deeper reading. */
.rung-v4 .rv-home-hero { display:grid; grid-template-columns:1.15fr 1fr; gap:3rem; align-items:center; padding-block:3rem 2rem; }
.rung-v4 .rv-home-copy h1 { font-size:clamp(42px,4.8vw,64px); max-width:15ch; margin-bottom:1.5rem; }
.rung-v4 .rv-home-copy > p { max-width:48ch; font-size:18px; line-height:1.6; margin-bottom:1.25rem; }
.rung-v4 .rv-home-copy > a { font-size:14px; }
.rung-v4 .rv-router-heading { display:flex; align-items:baseline; justify-content:space-between; gap:1rem; margin-bottom:1.25rem; }
.rung-v4 .rv-router-heading h2 { font-size:30px; margin:0; }
.rung-v4 .rv-router-heading p { margin:0; font-size:14px; color:var(--rung-text-muted); }
.rung-v4 .rv-need-router { padding-block:1.5rem 2.5rem; }
.rung-v4 .rv-need-choices { display:grid; grid-template-columns:repeat(3,minmax(0,1fr)); border:1px solid var(--rung-line-strong); }
.rung-v4 a.rv-need-choice { display:flex; flex-direction:column; align-items:flex-start; min-width:0; padding:1.5rem; text-decoration:none; color:var(--rung-text); transition:background 160ms ease; }
.rung-v4 .rv-need-choice + .rv-need-choice { border-left:1px solid var(--rung-line-strong); }
.rung-v4 .rv-need-choice:hover { background:var(--rung-surface-alt); }
.rung-v4 .rv-need-choice:focus-visible { outline-offset:-4px; }
.rung-v4 .rv-need-choice > svg { width:30px; height:30px; margin-bottom:1rem; color:var(--rung-ember-deep); }
.rung-v4 .rv-choice-copy strong { display:block; font:400 26px/1.2 var(--rung-font-serif); letter-spacing:-.025em; margin-bottom:.5rem; }
.rung-v4 .rv-choice-copy > span { display:block; font-size:14px; line-height:1.5; }
.rung-v4 .rv-choice-action { display:flex; justify-content:space-between; width:100%; gap:.5rem; margin-top:auto; padding-top:1.25rem; font-size:13px; font-weight:600; color:var(--rung-ember-deep); }
.rung-v4 .rv-start-opening { padding-block:3.5rem 1.5rem; }
.rung-v4 .rv-start-hero { max-width:740px; }
.rung-v4 .rv-start-hero h1 { font-size:clamp(40px,5vw,64px); margin-bottom:1.25rem; }
.rung-v4 .rv-start-hero p { max-width:54ch; font-size:18px; }
.rung-v4 .rv-start-shortcut { display:flex; align-items:baseline; justify-content:space-between; gap:1rem; padding-block:1rem; font-size:15px; }
.rung-v4 .rv-start-shortcut p { margin:0; }
@media(max-width:760px){
 .rung-v4 .rv-home-opening { display:flex; flex-direction:column; }
 .rung-v4 .rv-home-hero { display:contents; }
 .rung-v4 .rv-home-copy { order:1; padding-top:2rem; }
 .rung-v4 .rv-home-copy h1 { font-size:42px; max-width:17ch; margin-bottom:1rem; }
 .rung-v4 .rv-home-copy > p { font-size:16px; }
 .rung-v4 .rv-home-opening > .rv-need-router { order:2; }
 .rung-v4 .rv-router-heading { display:block; margin-bottom:1rem; }
 .rung-v4 .rv-router-heading h2 { font-size:26px; }
 .rung-v4 .rv-router-heading p { display:none; }
 .rung-v4 .rv-need-choices { grid-template-columns:1fr; }
 .rung-v4 a.rv-need-choice { display:grid; grid-template-columns:26px 1fr 18px; align-items:center; gap:14px; padding:1.1rem 1rem; }
 .rung-v4 .rv-need-choice + .rv-need-choice { border-left:0; border-top:1px solid var(--rung-line-strong); }
 .rung-v4 .rv-need-choice > svg { width:26px; height:26px; margin:0; }
 .rung-v4 .rv-choice-copy strong { font-size:23px; margin-bottom:4px; }
 .rung-v4 .rv-choice-copy > span { font-size:13px; }
 .rung-v4 .rv-choice-action { font-size:0; padding:0; margin:0; }
 .rung-v4 .rv-choice-action span { font-size:20px; }
 .rung-v4 .rv-start-opening { padding-top:2rem; }
 .rung-v4 .rv-start-hero p { font-size:16px; }
 .rung-v4 .rv-start-shortcut { display:block; padding-top:0; }
 .rung-v4 .rv-start-shortcut p { margin-bottom:.5rem; }
}
@media(prefers-reduced-motion:reduce){.rung-v4 .rv-need-choice{transition:none;}}
@media(min-width:761px){
 .rung-v4 .rv-home-hero { padding-block:1.5rem 1rem; }
 .rung-v4 a.rv-need-choice { padding:1rem 1.25rem; }
 .rung-v4 .rv-need-choice > svg { width:24px; height:24px; margin-bottom:.5rem; }
 .rung-v4 .rv-choice-action { padding-top:1rem; }
}

.rung-v4 .rv-gateway { grid-template-columns:minmax(0,1fr) auto; align-items:center; }
.rung-v4 .rv-gateway > div { max-width:65ch; }
.rung-v4 .rv-gateway > .rv-primary { justify-self:start; align-self:center; width:auto; min-height:46px; padding:12px 20px; gap:20px; }
@media(max-width:760px){
 .rung-v4 .rv-gateway { grid-template-columns:1fr; gap:1rem; }
}

/* Restore the production homepage's three-path climbing panel. */
.rung-v4 .rv-production-climb { position:relative; padding:32px; border:1px solid var(--rung-line); border-radius:16px; background:var(--rung-surface-alt); }
.rung-v4 .rv-production-climb .climb-intro > .label { display:block; color:var(--rung-text-muted); font-size:11px; font-weight:700; letter-spacing:.08em; text-transform:uppercase; margin-bottom:16px; }
.rung-v4 .rv-production-climb h2 { max-width:18ch; font-size:36px; line-height:1.04; margin-bottom:12px; }
.rung-v4 .rv-production-climb .climb-intro p { font-size:17px; line-height:1.65; color:var(--rung-text-muted); max-width:45ch; }
.rung-v4 .rv-production-climb .stability-path { position:relative; height:270px; margin-top:24px; }
.rung-v4 .rv-production-climb .climb-route { position:absolute; inset:8px; width:calc(100% - 16px); height:calc(100% - 16px); fill:none; stroke:var(--rung-line-strong); stroke-width:.4; }
.rung-v4 .rv-production-climb ol { position:relative; height:100%; list-style:none; padding:0; margin:0; display:grid; grid-template-columns:repeat(5,1fr); grid-template-rows:repeat(3,1fr); align-items:center; }
.rung-v4 .rv-production-climb .path-step { display:grid; grid-template-columns:auto 1fr; align-items:center; gap:12px; padding:12px 16px; border:1px solid var(--rung-line-strong); border-radius:10px; background:var(--rung-surface); }
.rung-v4 .rv-production-climb .path-step-1 { grid-column:1/4; grid-row:3; }
.rung-v4 .rv-production-climb .path-step-2 { grid-column:2/5; grid-row:2; }
.rung-v4 .rv-production-climb .path-step-3 { grid-column:3/6; grid-row:1; border-left:4px solid var(--rung-ember-deep); }
.rung-v4 .rv-production-climb .path-number { font:700 12px var(--rung-font-sans); color:var(--rung-text-muted); }
.rung-v4 .rv-production-climb small { display:block; font:700 11px/1.1 var(--rung-font-sans); letter-spacing:.06em; text-transform:uppercase; color:var(--rung-text-muted); }
.rung-v4 .rv-production-climb strong { display:block; font:700 14px/1.2 var(--rung-font-sans); color:var(--rung-text); margin-top:2px; }
.rung-v4 .rv-production-climb .goal :is(small,.path-number) { color:var(--rung-ember-deep); }
@media(max-width:760px){
 .rung-v4 .rv-production-climb { order:3; width:100%; margin-bottom:2rem; padding:24px 18px; }
 .rung-v4 .rv-production-climb h2 { font-size:30px; }
 .rung-v4 .rv-production-climb .path-step { padding:12px 10px; gap:8px; }
 .rung-v4 .rv-production-climb strong { font-size:12px; }
 .rung-v4 .rv-production-climb small { font-size:9px; }
}

/* Purchase comparison: shared inputs, paired payment paths, and paired results. */
.rung-v4 [data-calculator="loan-vs-credit-card"] .rv-compare-inputs > .rv-field { grid-column:auto; max-width:none; }
.rung-v4 [data-calculator="loan-vs-credit-card"] .rv-compare-inputs > .rv-caption { grid-column:1/-1; }
.rung-v4 [data-calculator="loan-vs-credit-card"] .rv-compare-out { grid-template-columns:repeat(2,minmax(0,1fr)); }
.rung-v4 [data-calculator="loan-vs-credit-card"] .rv-compare-out > h3 { grid-column:1/-1; margin:0; }
.rung-v4 [data-calculator="loan-vs-credit-card"] .rv-compare-out > .rv-result-row { display:block; }
@media(max-width:760px){.rung-v4 [data-calculator="loan-vs-credit-card"] .rv-compare-out { grid-template-columns:1fr; }}

/* Add/remove debt entries keep the full list compact and keyboard accessible. */
.rung-v4 .debt-rows { display:grid; gap:var(--rung-space-4); }
.rung-v4 .rv-debt-row { min-width:0; margin:0; padding:var(--rung-space-4); border:1px solid var(--rung-line); }
.rung-v4 .rv-debt-row legend { padding-inline:8px; font-weight:600; }
.rung-v4 .rv-debt-fields { display:grid; grid-template-columns:repeat(4,minmax(0,1fr)); gap:var(--rung-space-4); }
.rung-v4 .rv-debt-fields .rv-field { margin:0; }
.rung-v4 .rv-debt-row [data-remove-debt] { margin-top:var(--rung-space-3); }
.rung-v4 .rv-debt-row [data-remove-debt]:disabled { opacity:.5; cursor:default; }
.rung-v4 .rv-debt-actions { grid-column:1/-1; display:flex; align-items:center; gap:var(--rung-space-4); }
.rung-v4 .rv-debt-actions p { margin:0; color:var(--rung-text-muted); }
@media(max-width:900px){.rung-v4 .rv-debt-fields { grid-template-columns:repeat(2,minmax(0,1fr)); }}
@media(max-width:480px){.rung-v4 .rv-debt-fields { grid-template-columns:1fr; }}

.rung-v4 .rung-logo-adaptive,.rung-v4 .rung-logo { width:180px; height:54px; }
@media(max-width:600px){
 .rung-v4 .rung-logo-adaptive,.rung-v4 .rung-logo { width:150px; height:45px; }
}
@media(max-width:360px){
 .rung-v4 header.site .rung-logo-adaptive,.rung-v4 header.site .rung-logo { width:40px; height:40px; }
 .rung-v4 header.site .rung-logo-art { display:none; }
 .rung-v4 header.site .rung-logo-symbol { display:block; width:40px; height:40px; }
}

/* Answer-first need hubs. Task rows pair a situation with one next action. */
.rung-v4 .rv-hub-hero{max-width:900px;padding-block:var(--rung-space-7);}
.rung-v4 .rv-hub-hero h1{max-width:18ch;margin-bottom:var(--rung-space-6);}
.rung-v4 .rv-hub-answer{background:var(--rung-surface-alt);border:1px solid var(--rung-line);border-inline-start:3px solid var(--rung-ember-deep);padding:var(--rung-space-5) var(--rung-space-6);max-width:76ch;}
.rung-v4 .rv-hub-answer h2{font:600 15px/1.5 var(--rung-font-sans);letter-spacing:0;margin-bottom:var(--rung-space-2);}
.rung-v4 .rv-hub-answer p{margin:0;max-width:65ch;}
.rung-v4 .rv-hub-tasks ul{list-style:none;padding:0;margin:0;}
.rung-v4 .rv-hub-tasks li{display:grid;grid-template-columns:1.35fr 1fr;gap:var(--rung-space-7);align-items:center;padding-block:var(--rung-space-5);border-bottom:1px solid var(--rung-line);}
.rung-v4 .rv-hub-tasks h3{font:600 18px/1.4 var(--rung-font-sans);letter-spacing:0;margin-bottom:var(--rung-space-2);}
.rung-v4 .rv-hub-tasks p{margin:0;max-width:58ch;}
.rung-v4 .rv-hub-task-link{font-size:16px;}
.rung-v4 .rv-hub-task-link a{display:inline-block;padding-block:var(--rung-space-3);}
@media(max-width:760px){.rung-v4 .rv-hub-tasks li{grid-template-columns:1fr;gap:var(--rung-space-2);}.rung-v4 .rv-hub-answer{padding:var(--rung-space-4);}.rung-v4 .rv-hub-hero h1{margin-bottom:var(--rung-space-5);}}

/* Long guides keep the answer above a short set of in-page links. */
.rung-v4 .rv-hero[data-answer-first]{grid-template-columns:1fr;gap:var(--rung-space-6);max-width:900px;}
.rung-v4 .rv-hero[data-answer-first] h1{max-width:18ch;}
.rung-v4 .rv-guide-jumps{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:var(--rung-space-2) var(--rung-space-5);list-style:none;padding:0;margin:0;}
.rung-v4 .rv-guide-jumps a{display:inline-flex;align-items:center;min-height:44px;}
@media(max-width:480px){.rung-v4 .rv-guide-jumps{grid-template-columns:1fr;}}

/* Research utilities put the citation, file list, or contact task close to the title. */
.rung-v4 .rv-hero.rv-utility-hero{display:block;padding-block:var(--rung-space-5);}
.rung-v4 .rv-utility-hero h1{font-size:clamp(32px,4vw,48px);margin-bottom:var(--rung-space-4);max-width:28ch;}
.rung-v4 .rv-utility-hero .rv-lede{max-width:65ch;}

.rung-v4 .rv-table-hint{display:none;}
@media(max-width:760px){.rung-v4 .rv-research .rv-table-hint{display:block;font-size:14px;margin-bottom:var(--rung-space-2);color:var(--rung-text-muted);}}