/* Self-hosted fonts, SIL Open Font License 1.1; see ../fonts/. */
@font-face { font-family:Fraunces; src:url('../fonts/Fraunces.woff2') format('woff2'); font-style:normal; font-weight:100 900; font-display:swap; }
@font-face { font-family:Geist; src:url('../fonts/Geist.woff2') format('woff2'); font-style:normal; font-weight:100 900; font-display:swap; }
/* ============================================================
   Rung Design Language 3.0 — Tokens  ·  SINGLE SOURCE OF TRUTH
   Identity, publication typography, and adaptive-logo tokens.

   Layer 1  DL 3.0 canonical tokens (from tokens.css / tokens.json)
   Layer 2  Derived values DL 3.0 does not specify — marked DERIVED
   Layer 3  Compatibility aliases so the existing 228 pages, which
            reference the v1 --rung-* names inline, inherit 3.0
            without per-page edits.
   ============================================================ */

/* ---------- Layer 1 · DL 3.0 canonical ---------- */
:root{
  --rung-ink:#0F1720;
  --rung-dusk:#475D6B;
  --rung-fog:#B7C6CF;
  --rung-ember:#E35D22;
  --rung-bone:#F3EFE6;
  --rung-white:#FFFFFF;

  --rung-text:#17212B;
  --rung-text-muted:#5F6872;
  --rung-line:#D8D0C4;
  --rung-surface:#FFFDF9;      /* page */
  --rung-surface-alt:#F7F4EE;  /* panel / card */

  --rung-success:#2D6A4F;
  --rung-warning:#9A6700;
  --rung-danger:#B42318;
  --rung-info:#175CD3;

  --rung-radius-sm:6px; --rung-radius-md:10px; --rung-radius-lg:16px; --rung-radius-xl:22px;
  --rung-pill:999px;

  --rung-space-1:4px;  --rung-space-2:8px;  --rung-space-3:12px;
  --rung-space-4:16px; --rung-space-5:24px; --rung-space-6:32px;
  --rung-space-7:48px; --rung-space-8:64px; --rung-space-9:96px;

  --rung-shadow-sm:0 1px 2px rgba(15,23,32,.05);
  --rung-shadow-md:0 10px 30px rgba(15,23,32,.08);
  --rung-shadow-lg:0 24px 60px rgba(15,23,32,.12);

  --rung-font-serif:Fraunces, serif;
  --rung-font-sans:Geist, system-ui, sans-serif;
  --rung-font-size-body:17px;
  --rung-font-size-body-sm:15px;

  /* Immutable brand constants. The UI tokens above are re-themed for dark-mode
     contrast; the logo must NOT follow them. Spec: mid is always Dusk #475D6B
     and bottom is always Ember #E35D22, in both themes. Only top + word adapt. */
  --rung-brand-ink:#0F1720;
  --rung-brand-dusk:#475D6B;
  --rung-brand-ember:#E35D22;

  /* adaptive logo — never inherits currentColor, never re-themed except top/word */
  --rung-logo-top:var(--rung-brand-ink);
  --rung-logo-mid:var(--rung-brand-dusk);
  --rung-logo-bottom:var(--rung-brand-ember);
  --rung-logo-word:var(--rung-brand-ink);
}

/* ---------- Layer 2 · DERIVED (not specified by DL 3.0) ---------- */
:root{
  /* Ember at full saturation is 3.57:1 on white — short of the 4.5:1 the
     manual requires. Filled controls use -deep (4.84:1); plain --rung-ember
     stays for graphics, rules, and large display figures. */
  --rung-ember-deep:#C44A16;   /* DERIVED · pressed + accessible fill */
  --rung-ember-tint:#FBEAE1;   /* DERIVED · faint ember wash */
  --rung-dusk-deep:#33454F;    /* DERIVED */
  --rung-dusk-tint:#E8EDF0;    /* DERIVED */
  --rung-clay:#6E5A7B;         /* DERIVED · Essentials taxonomy — DL 3.0 has no 5th category hue */
  --rung-line-strong:#C6BCAC;  /* DERIVED · heavier hairline */
  --rung-ink-2:#1B2733;        /* DERIVED */
  --rung-text-body:#2B3742;    /* DERIVED · between text and text-muted */
  --rung-text-faint:#8A929B;   /* DERIVED */

  /* Motion — DL 3.0 states intent ("motion reveals, never distracts")
     but sets no values. Carried forward from v1. */
  --rung-ease-enter:cubic-bezier(.18,.85,.25,1);
  --rung-ease-exit:cubic-bezier(.5,0,.75,0);
  --rung-ease-soft:cubic-bezier(.4,0,.2,1);
  --rung-dur-enter:550ms; --rung-dur-exit:500ms; --rung-stagger:90ms;
}

/* ---------- Layer 3 · v1 compatibility aliases ---------- */
:root{
  --rung-porcelain:var(--rung-surface);      /* v1 page bg */
  --rung-card:var(--rung-surface-alt);       /* v1 card bg */
  --rung-hair:var(--rung-line);
  --rung-hair-strong:var(--rung-line-strong);
  --rung-text-strong:var(--rung-text);
  --rung-sage:var(--rung-success);
  --rung-caution:var(--rung-warning);
  --rung-brick:var(--rung-danger);

  --rung-radius:var(--rung-radius-md);       /* 3px micro-radius → 10px */
  --rung-chamfer:0px; --rung-chamfer-sm:0px; /* retired in 3.0 — see .rung-chamfer below */
  --rung-label-tracking:0.12em;              /* 3.0 label tracking, was 0.18em */

  --rung-sp-1:var(--rung-space-1); --rung-sp-2:var(--rung-space-2); --rung-sp-3:var(--rung-space-3);
  --rung-sp-4:var(--rung-space-4); --rung-sp-5:var(--rung-space-5); --rung-sp-6:var(--rung-space-6);
  --rung-sp-7:var(--rung-space-7); --rung-sp-8:var(--rung-space-8); --rung-sp-9:var(--rung-space-9);

  --rung-font-display:var(--rung-font-serif);
  --rung-font-body:var(--rung-font-sans);
  /* DL 3.0 retires the mono face. Figures render in the sans with
     proportional numerals; tabular is opt-in via .fig-table / td.tableNum. */
  --rung-font-mono:var(--rung-font-sans);
}

/* ---------- dark ---------- */
:root[data-theme="dark"]{
  --rung-text:#F4F1EC;
  --rung-text-muted:#B4B8C1;
  --rung-line:#353A44;
  --rung-surface:#151A22;
  --rung-surface-alt:#1D222B;
  --rung-bone:#1A1F27;

  --rung-logo-top:var(--rung-white);
  --rung-logo-word:var(--rung-white);

  --rung-ember-deep:#F0743B;      /* DERIVED · lifted for contrast on dark */
  --rung-ember-tint:rgba(227,93,34,.16);
  --rung-dusk:#7C9AAE;            /* DERIVED · #475D6B is unreadable on #151A22 */
  --rung-dusk-tint:rgba(124,154,174,.16);
  --rung-fog:#8FA3AF;
  --rung-line-strong:#464C58;
  --rung-ink-2:#222B36;
  --rung-text-body:#D6D3CE;
  --rung-text-faint:#7E858F;

  --rung-success:#5FA37F;         /* DERIVED · AA on dark surface */
  --rung-warning:#D2A24E;
  --rung-danger:#E0726E;
  --rung-info:#7FADEE;
  --rung-clay:#A98FB5;

  --rung-shadow-sm:0 1px 2px rgba(0,0,0,.35);
  --rung-shadow-md:0 10px 30px rgba(0,0,0,.45);
  --rung-shadow-lg:0 24px 60px rgba(0,0,0,.55);
}
@media (prefers-color-scheme: dark){ :root:not([data-theme="light"]){
  --rung-text:#F4F1EC;
  --rung-text-muted:#B4B8C1;
  --rung-line:#353A44;
  --rung-surface:#151A22;
  --rung-surface-alt:#1D222B;
  --rung-bone:#1A1F27;

  --rung-logo-top:var(--rung-white);
  --rung-logo-word:var(--rung-white);

  --rung-ember-deep:#F0743B;
  --rung-ember-tint:rgba(227,93,34,.16);
  --rung-dusk:#7C9AAE;
  --rung-dusk-tint:rgba(124,154,174,.16);
  --rung-fog:#8FA3AF;
  --rung-line-strong:#464C58;
  --rung-ink-2:#222B36;
  --rung-text-body:#D6D3CE;
  --rung-text-faint:#7E858F;

  --rung-success:#5FA37F;
  --rung-warning:#D2A24E;
  --rung-danger:#E0726E;
  --rung-info:#7FADEE;
  --rung-clay:#A98FB5;

  --rung-shadow-sm:0 1px 2px rgba(0,0,0,.35);
  --rung-shadow-md:0 10px 30px rgba(0,0,0,.45);
  --rung-shadow-lg:0 24px 60px rgba(0,0,0,.55);
}}

@media (prefers-reduced-motion: reduce){ :root{ --rung-dur-enter:1ms; --rung-dur-exit:1ms; --rung-stagger:0ms; } }

/* The v1 chamfer is retired in 3.0 (the geometry is rounded, not cut).
   The classes stay as no-ops so legacy markup degrades to the 3.0 radius
   instead of rendering a clipped corner that no longer belongs. */
.rung-chamfer{ border-radius:var(--rung-radius-lg); }
.rung-chamfer-sm{ border-radius:var(--rung-radius-md); }

/* ============================================================
   Rung Design Language 3.0 — Base + Component Library
   Tokens live in tokens.css (imported below).

   3.0 restyles every v1 component class in the publication
   language — editorial serif display, sans UI, rounded/pill
   geometry, panel-on-page surfaces — so the existing pages
   adopt the identity without markup changes. New narrative
   components (Cost Story, Mechanism, Reality Check, Next Rung,
   Confidence, Tradeoff) are at the end of this file.
   ============================================================ */
/* Tokens load directly from the private page head. */

/* ---------- base ---------- */
*{ box-sizing:border-box; }
html{ -webkit-text-size-adjust:100%; scroll-behavior:smooth; }
body{ margin:0; background:var(--rung-surface); color:var(--rung-text-body);
  font-family:var(--rung-font-sans); font-size:var(--rung-font-size-body); line-height:1.65;
  -webkit-font-smoothing:antialiased; text-rendering:optimizeLegibility;
  font-variant-numeric:proportional-nums lining-nums; }
h1,h2,h3{ font-family:var(--rung-font-serif); color:var(--rung-text); line-height:1.04;
  margin:0; letter-spacing:-.04em; font-weight:400; }
h1{ letter-spacing:-.055em; }
h4{ font-family:var(--rung-font-sans); font-weight:700; color:var(--rung-text);
  line-height:1.2; margin:0; letter-spacing:-.01em; }
p{ margin:0 0 var(--rung-space-4); }
a{ color:var(--rung-ember-deep); text-underline-offset:2px; }
strong{ color:var(--rung-text); font-weight:700; }
code{ font-family:ui-monospace, SFMono-Regular, Menlo, Consolas, monospace; font-size:.9em; }
/* 3.0: figures are sans + proportional. Tabular is opt-in. */
.fig{ font-family:var(--rung-font-sans); font-variant-numeric:proportional-nums lining-nums;
  font-feature-settings:normal; letter-spacing:-.02em; }
.fig-table, td.tableNum, .compare .cost, .minitable .fig{
  font-variant-numeric:tabular-nums lining-nums; font-feature-settings:"tnum" 1; }
.label{ font-family:var(--rung-font-sans); text-transform:uppercase; font-weight:700;
  letter-spacing:var(--rung-label-tracking); font-size:11px; color:var(--rung-text-muted); }
.kicker,.eyebrow{ font-family:var(--rung-font-sans); text-transform:uppercase; font-weight:700;
  letter-spacing:.16em; font-size:11px; color:var(--rung-ember-deep); }
.capsule{ font-size:12px; text-transform:uppercase; letter-spacing:.12em; color:var(--rung-text-muted); }
.shell{ max-width:1240px; margin:0 auto; padding:0 var(--rung-space-5); }
.measure{ max-width:720px; }
section{ scroll-margin-top:80px; }
.illus{ font-size:13px; color:var(--rung-text-muted); }

/* ---------- global header / nav ---------- */
rung-header, rung-footer{ display:contents; }
.skip-link{ position:fixed; top:var(--rung-space-3); left:var(--rung-space-3); z-index:100;
  width:1px; height:1px; padding:0; overflow:hidden; clip:rect(0 0 0 0); white-space:nowrap;
  background:var(--rung-surface); color:var(--rung-text); border:1px solid var(--rung-line);
  border-radius:var(--rung-radius-sm); box-shadow:var(--rung-shadow-md); font-family:var(--rung-font-sans);
  font-size:14px; font-weight:700; text-decoration:none; }
.skip-link:focus{ width:auto; height:auto; padding:var(--rung-space-2) var(--rung-space-3);
  overflow:visible; clip:auto; white-space:normal; }
header.site{ position:sticky; top:0; z-index:60;
  background:color-mix(in srgb, var(--rung-surface) 88%, transparent);
  backdrop-filter:saturate(1.1) blur(10px); border-bottom:1px solid var(--rung-line); }
.site-inner{ max-width:1240px; margin:0 auto; padding:var(--rung-space-3) var(--rung-space-5);
  display:flex; align-items:center; gap:var(--rung-space-5); }
.lockup{ display:flex; align-items:center; text-decoration:none; flex:none; }
.rung-logo-adaptive{ position:relative; display:block; width:149px; height:40px; }
.rung-logo{ display:block; width:149px; height:40px; object-fit:contain; object-position:left center; }
.rung-logo-adaptive .rung-logo{ position:absolute; inset:0; }
.rung-logo-dark{ opacity:0; }
[data-theme="dark"] .rung-logo-light{ opacity:0; }
[data-theme="dark"] .rung-logo-dark{ opacity:1; }
.rung-logo-fixed-dark{ width:131px; height:35px; }
footer.site .rung-logo-fixed-dark{ width:131px; height:35px; }
@media (prefers-color-scheme:dark){
  html:not([data-theme="light"]) .rung-logo-light{ opacity:0; }
  html:not([data-theme="light"]) .rung-logo-dark{ opacity:1; }
}
nav.primary{ display:flex; gap:2px; margin-left:auto; }
nav.primary a{ text-decoration:none; color:var(--rung-text-muted); font-family:var(--rung-font-sans);
  font-weight:600; font-size:14px; padding:8px 14px; border-radius:var(--rung-pill); }
nav.primary a:hover{ background:var(--rung-surface-alt); color:var(--rung-text); }
nav.primary a[aria-current="page"]{ background:var(--rung-surface-alt); color:var(--rung-text); }
nav.primary a.ask,nav.primary a.offer{ background:var(--rung-ember-deep); color:var(--rung-white); }
nav.primary a.ask:hover,nav.primary a.ask[aria-current="page"],nav.primary a.offer:hover{ background:var(--rung-ember); color:var(--rung-white); }
.nav-offer-wrap{ position:relative; display:flex; }
.nav-offer-note{ position:absolute; top:calc(100% + var(--rung-space-2)); right:0; z-index:2; width:250px;
  padding:var(--rung-space-3); border:1px solid var(--rung-line); border-radius:var(--rung-radius-md);
  background:var(--rung-surface); color:var(--rung-text-muted); box-shadow:var(--rung-shadow-md);
  font-family:var(--rung-font-sans); font-size:12px; line-height:1.4; opacity:0; pointer-events:none;
  transform:translateY(-4px); transition:opacity var(--rung-dur-enter) var(--rung-ease-enter),transform var(--rung-dur-enter) var(--rung-ease-enter); }
.nav-offer-wrap:hover .nav-offer-note,.nav-offer-wrap:focus-within .nav-offer-note{ opacity:1; transform:translateY(0); }
nav.primary details{ position:relative; }
nav.primary details summary{ list-style:none; text-decoration:none; color:var(--rung-text-muted);
  font-family:var(--rung-font-sans); font-weight:600; font-size:14px; padding:8px 14px;
  border-radius:var(--rung-pill); cursor:pointer; display:flex; align-items:center; gap:var(--rung-space-2); }
nav.primary details summary::-webkit-details-marker{ display:none; }
nav.primary details summary::after{ content:"▾"; color:var(--rung-text-faint); font-size:11px; line-height:1;
  transition:transform var(--rung-dur-enter) var(--rung-ease-enter); }
nav.primary details[open] summary::after{ transform:rotate(180deg); }
nav.primary details[open] summary, nav.primary details.active summary,
nav.primary details:hover summary{ background:var(--rung-surface-alt); color:var(--rung-text); }
nav.primary .nav-panel{ position:absolute; top:calc(100% + var(--rung-space-2)); right:0; min-width:320px;
  overflow:hidden; border:1px solid var(--rung-line); border-top:var(--rung-space-1) solid var(--rung-dusk);
  border-radius:var(--rung-radius-lg); background:var(--rung-surface); box-shadow:var(--rung-shadow-lg); }
nav.primary .nav-help .nav-panel{ width:min(620px,calc(100vw - var(--rung-space-7))); }
nav.primary .nav-tools .nav-panel{ width:min(780px,calc(100vw - var(--rung-space-7))); }
nav.primary .nav-about .nav-panel{ width:340px; }
.nav-panel-top{ display:flex; align-items:center; justify-content:space-between; gap:var(--rung-space-4);
  padding:var(--rung-space-4) var(--rung-space-5); border-bottom:1px solid var(--rung-line);
  background:var(--rung-surface-alt); }
.nav-panel-top .label{ color:var(--rung-text-muted); }
nav.primary .nav-panel .nav-panel-all{ padding:0; color:var(--rung-ember-deep); font-size:12px; font-weight:700; }
nav.primary .nav-panel .nav-panel-all:hover{ background:transparent; text-decoration:underline; }
.nav-panel-links{ display:grid; padding:var(--rung-space-3); }
.nav-panel-links-described{ grid-template-columns:repeat(2,minmax(0,1fr)); gap:var(--rung-space-1); }
nav.primary .nav-panel .nav-panel-link{ display:flex; flex-direction:column; gap:var(--rung-space-1);
  min-width:0; padding:var(--rung-space-3); border-radius:var(--rung-radius-md); color:var(--rung-text); }
nav.primary .nav-panel .nav-panel-link:hover{ background:var(--rung-surface-alt); }
.nav-panel-link strong{ color:inherit; font-size:14px; line-height:1.25; }
.nav-panel-link small{ color:var(--rung-text-muted); font-size:12px; font-weight:400; line-height:1.35; }
.nav-panel-sections{ display:grid; grid-template-columns:repeat(2,minmax(0,1fr)); gap:var(--rung-space-2);
  padding:var(--rung-space-4); }
.nav-panel-section{ min-width:0; padding-left:var(--rung-space-3); border-left:1px solid var(--rung-line); }
.nav-panel-section:first-child{ padding-left:0; border-left:0; }
.nav-panel-section-title{ display:block; padding:var(--rung-space-2) var(--rung-space-3); color:var(--rung-text-muted);
  font-family:var(--rung-font-sans); font-size:10px; font-weight:700; letter-spacing:.12em; text-transform:uppercase; }
nav.primary .nav-panel a[aria-current="page"]{ background:var(--rung-surface-alt); }
.toggle{ font-family:var(--rung-font-sans); font-weight:700; font-size:12px; letter-spacing:.02em;
  background:var(--rung-surface); color:var(--rung-text); border:1px solid var(--rung-line);
  border-radius:var(--rung-pill); padding:8px 14px; cursor:pointer; flex:none; }
.toggle:hover{ border-color:var(--rung-text-muted); }
.toggle:focus-visible, nav.primary a:focus-visible, nav.primary summary:focus-visible,
.mobile-group summary:focus-visible, .hub-details > summary:focus-visible, .mobile-nav a:focus-visible, button:focus-visible,
a:focus-visible{ outline:3px solid color-mix(in srgb, var(--rung-ember) 30%, transparent); outline-offset:2px; }
.menu-btn{ display:none; }
.mobile-drawer{ display:none; }
.mobile-drawer[hidden]{ display:none !important; }
@media(max-width:980px){
  nav.primary{ display:none; }
  .menu-btn{ margin-left:auto; }
  .menu-btn{ display:inline-flex; }
  body.menu-open{ overflow:hidden; }
  .mobile-drawer{ display:block; border-top:1px solid var(--rung-line); background:var(--rung-surface);
    max-height:calc(100vh - 65px); overflow-y:auto; overscroll-behavior:contain;
    padding:var(--rung-space-4) var(--rung-space-5); }
  .mobile-nav{ display:grid; gap:6px; }
  .mobile-nav a, .mobile-group summary{ display:block; text-decoration:none; color:var(--rung-text-muted);
    font-family:var(--rung-font-sans); font-weight:600; font-size:15px; padding:11px 14px;
    border:1px solid var(--rung-line); border-radius:var(--rung-radius-md); background:var(--rung-surface); }
  .mobile-nav a[aria-current="page"]{ background:var(--rung-surface-alt); color:var(--rung-text); }
  .mobile-nav a.mobile-primary-action{ background:var(--rung-ember-deep); border-color:var(--rung-ember-deep); color:var(--rung-white); text-align:center; }
  .mobile-nav a.mobile-primary-action:hover,.mobile-nav a.mobile-primary-action[aria-current="page"]{ background:var(--rung-ember); color:var(--rung-white); }
  .mobile-nav a.mobile-personalized-action{ margin-bottom:var(--rung-space-2); box-shadow:var(--rung-shadow-sm); }
  .mobile-offer{ display:grid; margin-bottom:var(--rung-space-2); }
  .mobile-offer-label{ margin:0 0 var(--rung-space-1) var(--rung-space-2); color:var(--rung-ember-deep);
    font-family:var(--rung-font-sans); font-size:10px; font-weight:700; letter-spacing:.12em; text-transform:uppercase; }
  .mobile-offer small{ margin:-2px var(--rung-space-2) 0; color:var(--rung-text-muted); font-family:var(--rung-font-sans); font-size:11px; }
  .mobile-group summary{ list-style:none; cursor:pointer; }
  .mobile-group summary::-webkit-details-marker{ display:none; }
  .mobile-group summary::after{ content:"▾"; float:right; color:var(--rung-text-faint); }
  .mobile-group[open] summary{ background:var(--rung-surface-alt); color:var(--rung-text); }
  .mobile-group-links{ display:grid; gap:6px; margin:6px 0 2px; padding:0 0 0 12px; }
  .mobile-group-links a strong{ color:inherit; font-size:inherit; }
  .mobile-section-title{ padding:var(--rung-space-3) var(--rung-space-3) var(--rung-space-1);
    color:var(--rung-text-muted); font-family:var(--rung-font-sans); font-size:10px; font-weight:700;
    letter-spacing:.12em; text-transform:uppercase; }
  .mobile-group-links .mobile-all{ color:var(--rung-ember-deep); }
}

/* ---------- buttons ---------- */
.btn{ font-family:var(--rung-font-sans); font-weight:700; font-size:15px; cursor:pointer;
  display:inline-flex; align-items:center; justify-content:center; gap:8px; padding:12px 20px;
  border:1px solid transparent; border-radius:var(--rung-pill); text-decoration:none;
  transition:transform .2s var(--rung-ease-enter), background .2s, border-color .2s; }
.btn-feature, .btn-fill{ background:var(--rung-ember-deep); color:var(--rung-white); }
.btn-feature:hover, .btn-fill:hover{ transform:translateY(-2px); background:var(--rung-ember); }
.btn-secondary{ background:var(--rung-surface); color:var(--rung-text); border-color:var(--rung-line); }
.btn-secondary:hover{ border-color:var(--rung-text-muted); }
.btn-quiet{ background:var(--rung-surface-alt); color:var(--rung-text); }
.btn-ink{ background:var(--rung-ink); color:var(--rung-white); }
.btn-ink:hover{ transform:translateY(-2px); background:var(--rung-ink-2); }
:root[data-theme="dark"] .btn-ink{ background:var(--rung-surface-alt); border-color:var(--rung-line-strong); }
.btn-sm{ padding:9px 15px; font-size:13.5px; }
.link-step{ font-family:var(--rung-font-sans); font-weight:700; color:var(--rung-ember-deep);
  text-decoration:none; font-size:15px; display:inline-flex; align-items:center; gap:5px; }
.link-step:hover{ text-decoration:underline; }

/* ---------- badges + tags ---------- */
.badge{ display:inline-flex; align-items:center; padding:5px 11px; border-radius:var(--rung-pill);
  background:var(--rung-surface); border:1px solid var(--rung-line); font-size:12px; font-weight:700;
  font-family:var(--rung-font-sans); }
.badge.good{ background:color-mix(in srgb, var(--rung-success) 12%, var(--rung-surface));
  color:var(--rung-success); border-color:color-mix(in srgb, var(--rung-success) 30%, var(--rung-line)); }
.badge.warn{ background:color-mix(in srgb, var(--rung-warning) 12%, var(--rung-surface));
  color:var(--rung-warning); border-color:color-mix(in srgb, var(--rung-warning) 30%, var(--rung-line)); }
.badge.bad{ background:color-mix(in srgb, var(--rung-danger) 12%, var(--rung-surface));
  color:var(--rung-danger); border-color:color-mix(in srgb, var(--rung-danger) 30%, var(--rung-line)); }
/* Taxonomy tag keeps the leading rule — it reads as a publication category mark. */
.tag{ display:inline-flex; align-items:center; gap:9px; font-family:var(--rung-font-sans);
  font-weight:700; text-transform:uppercase; letter-spacing:.12em; font-size:11px; color:var(--rung-text); }
.tag::before{ content:""; width:14px; height:4px; border-radius:2px; background:var(--tag,var(--rung-dusk));
  display:inline-block; transform:skewX(-24deg); }
.tag.cash{ --tag:var(--rung-ember); } .tag.credit{ --tag:var(--rung-dusk); }
.tag.debt{ --tag:var(--rung-warning); } .tag.equity{ --tag:var(--rung-success); }
.tag.essentials{ --tag:var(--rung-clay); }

/* ---------- stars ---------- */
.stars{ display:inline-flex; gap:2px; color:var(--rung-ember); font-size:14px; line-height:1; }
.stars .off{ color:var(--rung-line-strong); }

/* ---------- breadcrumb ---------- */
.crumbs{ display:flex; flex-wrap:wrap; gap:7px; align-items:center; font-size:13px;
  color:var(--rung-text-muted); padding:var(--rung-space-5) 0 0; }
.crumbs a{ color:var(--rung-text-muted); text-decoration:none; }
.crumbs a:hover{ color:var(--rung-text); }
.crumbs .sep{ color:var(--rung-text-faint); }
.crumbs .here{ color:var(--rung-text-body); }

/* ---------- disclosure bar ---------- */
.disclosure-bar{ display:flex; align-items:flex-start; gap:10px; background:var(--rung-surface-alt);
  border:1px solid var(--rung-line); border-radius:var(--rung-radius-md); padding:12px 16px;
  font-size:13px; color:var(--rung-text-muted); }
.disclosure-bar svg{ flex:none; margin-top:2px; color:var(--rung-text-faint); }
.disclosure-bar a{ color:var(--rung-text-body); font-weight:700; }

/* ---------- byline ---------- */
.byline{ display:flex; align-items:center; gap:14px; flex-wrap:wrap; }
.byline .avatar{ width:44px; height:44px; border-radius:var(--rung-pill); background:var(--rung-dusk-tint);
  display:flex; align-items:center; justify-content:center; font-family:var(--rung-font-sans);
  font-weight:700; color:var(--rung-dusk-deep); font-size:15px; flex:none; }
:root[data-theme="dark"] .byline .avatar{ color:var(--rung-dusk); }
.byline .who{ font-size:14px; line-height:1.4; }
.byline .who .name{ font-weight:700; color:var(--rung-text); }
.byline .who .role{ color:var(--rung-text-muted); }
.byline .stamp{ margin-left:auto; text-align:right; font-size:12.5px; color:var(--rung-text-muted); }
.byline .stamp .verified{ color:var(--rung-success); font-weight:700; display:inline-flex; align-items:center; gap:4px; }
@media(max-width:520px){ .byline .stamp{ margin-left:0; text-align:left; width:100%; } }

/* ---------- answer box ---------- */
.answer-box{ border:1px solid var(--rung-line); border-radius:var(--rung-radius-lg);
  background:var(--rung-surface-alt); padding:var(--rung-space-6); box-shadow:var(--rung-shadow-sm); }
.answer-box .label{ margin-bottom:10px; display:block; color:var(--rung-ember-deep); }
.answer-box h4{ font-family:var(--rung-font-serif); font-weight:400; font-size:27px;
  line-height:1.1; letter-spacing:-.035em; margin-bottom:16px; }
.answer-box ul{ margin:0; padding:0; list-style:none; }
.answer-box li{ position:relative; padding-left:24px; margin-bottom:11px; font-size:16px; }
.answer-box li::before{ content:""; position:absolute; left:0; top:9px; width:9px; height:9px;
  border-radius:var(--rung-pill); background:var(--rung-dusk); }
.answer-box li.catch::before{ background:var(--rung-warning); }
.answer-box li:last-child{ margin-bottom:0; }

/* ---------- the catch / reality check ---------- */
.the-catch, .reality-check{ background:color-mix(in srgb, var(--rung-warning) 9%, var(--rung-surface));
  border:1px solid color-mix(in srgb, var(--rung-warning) 32%, var(--rung-line));
  border-left:4px solid var(--rung-warning); border-radius:var(--rung-radius-md); padding:var(--rung-space-5); }
.reality-check{ background:color-mix(in srgb, var(--rung-danger) 8%, var(--rung-surface));
  border-color:color-mix(in srgb, var(--rung-danger) 30%, var(--rung-line)); border-left-color:var(--rung-danger); }
.the-catch .label{ color:var(--rung-warning); margin-bottom:6px; display:flex; align-items:center; gap:7px; }
.reality-check .label{ color:var(--rung-danger); margin-bottom:6px; display:block; }
.the-catch p, .reality-check p{ margin:0; font-size:15px; color:var(--rung-text-body); }
.the-catch p+p, .reality-check p+p{ margin-top:10px; }

/* ---------- right/wrong fit ---------- */
.fit{ display:grid; grid-template-columns:1fr 1fr; gap:var(--rung-space-4); }
.fit-col{ border:1px solid var(--rung-line); border-radius:var(--rung-radius-lg);
  padding:var(--rung-space-5); background:var(--rung-surface); }
.fit-col.right{ border-left:4px solid var(--rung-success); }
.fit-col.wrong{ border-left:4px solid var(--rung-danger); }
.fit-col h4{ font-size:17px; margin-bottom:12px; display:flex; align-items:center; gap:8px; }
.fit-col.right h4{ color:var(--rung-success); } .fit-col.wrong h4{ color:var(--rung-danger); }
.fit-col ul{ margin:0; padding:0; list-style:none; }
.fit-col li{ padding-left:24px; position:relative; margin-bottom:10px; font-size:15px; }
.fit-col li:last-child{ margin-bottom:0; }
.fit-col.right li::before{ content:"✓"; position:absolute; left:0; color:var(--rung-success); font-weight:700; }
.fit-col.wrong li::before{ content:"✕"; position:absolute; left:0; color:var(--rung-danger); font-weight:700; }
@media(max-width:620px){ .fit{ grid-template-columns:1fr; } }

/* ---------- figure block / metrics ---------- */
.figblock{ display:flex; gap:var(--rung-space-4); flex-wrap:wrap; }
.figstat, .metric{ flex:1; min-width:170px; border:1px solid var(--rung-line);
  border-radius:var(--rung-radius-lg); padding:var(--rung-space-5); background:var(--rung-surface); }
.figstat .big, .metric .value{ font-family:var(--rung-font-sans); font-weight:700; font-size:40px;
  color:var(--rung-text); line-height:1; letter-spacing:-.045em;
  font-variant-numeric:proportional-nums lining-nums; }
.figstat .big.ember, .metric .value.ember{ color:var(--rung-ember-deep); }
.figstat .cap, .metric .eyebrow{ font-size:13px; color:var(--rung-text-muted); margin-top:8px; }
.metric .eyebrow{ margin:0 0 8px; font-size:11px; letter-spacing:.12em; text-transform:uppercase; }
.figstat .sub{ font-size:12.5px; color:var(--rung-text-faint); margin-top:4px; }

/* ---------- panel + callout ---------- */
.panel{ background:var(--rung-surface-alt); border:1px solid var(--rung-line);
  border-radius:var(--rung-radius-lg); box-shadow:var(--rung-shadow-sm); padding:var(--rung-space-5); }
.callout{ padding:var(--rung-space-5); border-radius:var(--rung-radius-md); border:1px solid var(--rung-line);
  background:var(--rung-surface); }
.callout.good{ border-left:4px solid var(--rung-success); }
.callout.bad{ border-left:4px solid var(--rung-danger); }
.callout.warn{ border-left:4px solid var(--rung-warning); }
.callout.info{ border-left:4px solid var(--rung-info); }
.callout h4{ margin-bottom:6px; }
.callout p{ margin:0; color:var(--rung-text-body); font-size:15px; }

/* ---------- provider card ---------- */
.provider{ border:1px solid var(--rung-line); border-radius:var(--rung-radius-lg);
  background:var(--rung-surface); display:grid; grid-template-columns:1fr 250px; overflow:hidden; }
.provider .body{ padding:var(--rung-space-5); }
.provider .logo{ width:50px; height:50px; border-radius:var(--rung-radius-md); background:var(--rung-ink);
  color:var(--rung-white); display:flex; align-items:center; justify-content:center; font-family:var(--rung-font-serif);
  font-weight:400; font-size:24px; margin-bottom:14px; }
.provider h4{ font-family:var(--rung-font-serif); font-weight:400; font-size:23px;
  letter-spacing:-.035em; margin-bottom:4px; }
.provider .rating{ display:flex; align-items:center; gap:8px; margin-bottom:12px; font-size:13px;
  color:var(--rung-text-muted); }
.provider .rating .num{ font-weight:700; color:var(--rung-text); }
.provider .bestfor{ font-size:14px; margin-bottom:12px; }
.provider .bestfor .label{ display:block; margin-bottom:3px; }
.proscons{ display:grid; grid-template-columns:1fr 1fr; gap:var(--rung-space-4); font-size:14px; }
.proscons ul{ margin:0; padding:0; list-style:none; }
.proscons li{ padding-left:19px; position:relative; margin-bottom:7px; }
.proscons .pro li::before{ content:"+"; position:absolute; left:0; color:var(--rung-success); font-weight:700; }
.proscons .con li::before{ content:"–"; position:absolute; left:2px; color:var(--rung-danger); font-weight:700; }
.provider .rail{ background:var(--rung-surface-alt); padding:var(--rung-space-5); display:flex;
  flex-direction:column; gap:12px; border-left:1px solid var(--rung-line); }
.provider .rail .cost .label{ display:block; margin-bottom:4px; }
.provider .rail .cost .amt{ font-weight:700; font-size:29px; color:var(--rung-text); letter-spacing:-.04em; }
.provider .rail .cost .amt small{ font-size:13px; color:var(--rung-text-muted); font-weight:400; }
.provider .rail .alt{ margin-top:auto; font-size:12.5px; color:var(--rung-text-muted);
  border-top:1px solid var(--rung-line); padding-top:10px; }
.provider .rail .alt a{ font-weight:700; }
.provider.top{ border-color:var(--rung-ember); box-shadow:var(--rung-shadow-md); }
.provider .pickflag{ font-family:var(--rung-font-sans); font-weight:700; text-transform:uppercase;
  letter-spacing:.12em; font-size:10.5px; color:var(--rung-ember-deep); margin-bottom:8px;
  display:flex; align-items:center; gap:7px; }
.provider .pickflag::before{ content:""; width:14px; height:4px; border-radius:2px;
  background:var(--rung-ember); transform:skewX(-24deg); }
@media(max-width:680px){ .provider{ grid-template-columns:1fr; }
  .provider .rail{ border-left:0; border-top:1px solid var(--rung-line); } .proscons{ grid-template-columns:1fr; } }

/* ---------- tables ---------- */
.compare-wrap{ overflow-x:auto; border:1px solid var(--rung-line); border-radius:var(--rung-radius-lg); }
table.compare{ width:100%; border-collapse:collapse; min-width:560px; font-size:15px; }
table.compare caption{ text-align:left; padding:var(--rung-space-4) var(--rung-space-5) 0;
  color:var(--rung-text-muted); font-size:13px; }
table.compare th, table.compare td{ text-align:left; padding:14px var(--rung-space-5);
  border-bottom:1px solid var(--rung-line); }
table.compare thead th{ font-family:var(--rung-font-sans); text-transform:uppercase; letter-spacing:.1em;
  font-size:11px; color:var(--rung-text-muted); background:var(--rung-surface-alt);
  border-bottom:1px solid var(--rung-line-strong); font-weight:700; }
table.compare tbody tr:last-child td{ border-bottom:0; }
table.compare .name{ font-weight:700; color:var(--rung-text); }
table.compare .cost{ color:var(--rung-text); font-weight:600; }
table.compare .rank{ color:var(--rung-text-faint); }
table.compare tr.cheapest td{ background:color-mix(in srgb,var(--rung-success) 8%, transparent); }
table.compare .flag{ font-size:11px; font-weight:700; color:var(--rung-success); letter-spacing:.04em; }
table.compare .cost-tier{ display:inline-grid; grid-template-columns:36px auto; align-items:center;
  gap:8px; white-space:nowrap; color:var(--rung-text-muted); font-size:12px; font-weight:700; }
table.compare .cost-tier::before{ content:""; display:block; height:6px; width:var(--cost-bar);
  background:var(--rung-text-faint); border-radius:var(--rung-radius); }
table.compare .tier-1{ --cost-bar:8px; }
table.compare .tier-2{ --cost-bar:14px; }
table.compare .tier-3{ --cost-bar:21px; }
table.compare .tier-4{ --cost-bar:28px; }
table.compare .tier-5{ --cost-bar:36px; color:var(--rung-text); }
table.compare .tier-5::before{ background:var(--rung-text); }

.minitable{ width:100%; border-collapse:collapse; font-size:15px; border:1px solid var(--rung-line);
  border-radius:var(--rung-radius-lg); overflow:hidden; }
.minitable th, .minitable td{ text-align:left; padding:12px var(--rung-space-4);
  border-bottom:1px solid var(--rung-line); }
.minitable thead th{ font-family:var(--rung-font-sans); text-transform:uppercase; letter-spacing:.1em;
  font-size:11px; color:var(--rung-text-muted); background:var(--rung-surface-alt); font-weight:700; }
.minitable tbody tr:last-child td{ border-bottom:0; }
.minitable .name{ font-weight:700; color:var(--rung-text); }
.minitable .fig{ color:var(--rung-text); font-weight:600; }
.minitable tr.this td{ background:var(--rung-ember-tint); }

/* ---------- phase ladder ---------- */
.phase-ladder{ border:1px solid var(--rung-line); border-radius:var(--rung-radius-lg);
  background:var(--rung-surface); box-shadow:var(--rung-shadow-sm); overflow:hidden; }
.phase-ladder ol{ list-style:none; margin:0; padding:0; }
.phase-ladder li{ border-top:1px solid var(--rung-line); }
.phase-ladder li:first-child{ border-top:0; }
.phase-ladder a, .phase-ladder .row{ text-decoration:none; display:grid;
  grid-template-columns:38px 1fr auto; gap:12px; align-items:center; padding:13px 16px; }
.phase-ladder a:hover{ background:var(--rung-surface-alt); }
.phase-ladder .num{ font-size:12px; color:var(--rung-text-faint); font-weight:700; }
.phase-ladder .txt .t{ display:block; font-family:var(--rung-font-serif); font-weight:400; font-size:18px;
  color:var(--rung-text); line-height:1.15; letter-spacing:-.03em; }
.phase-ladder .txt .m{ display:block; font-size:13px; color:var(--rung-text-muted); margin-top:3px; }
.phase-ladder .go{ font-family:var(--rung-font-sans); font-weight:700; color:var(--rung-ember-deep); font-size:13px; }
.phase-ladder li.goal{ background:var(--rung-ember-tint); }
.phase-ladder li.goal .txt .t{ color:var(--rung-ember-deep); }
@media(max-width:620px){ .phase-ladder .txt .m{ display:none; } }

/* ---------- graduation ladder ---------- */
.gradmod{ border:1px solid var(--rung-line); border-radius:var(--rung-radius-lg);
  background:var(--rung-surface-alt); padding:var(--rung-space-5); }
.gradmod .label{ color:var(--rung-ember-deep); display:block; margin-bottom:14px; }
.ladder{ list-style:none; margin:0; padding:0; }
.ladder li{ display:flex; align-items:center; gap:14px; padding:12px 0; border-bottom:1px solid var(--rung-line); }
.ladder li:last-child{ border-bottom:0; }
.ladder .bar{ width:52px; height:8px; background:var(--rung-line-strong); border-radius:var(--rung-pill); flex:none; }
.ladder li[data-state="done"] .bar{ background:var(--rung-success); }
.ladder li[data-state="now"] .bar{ background:var(--rung-ember); width:62px; height:10px; }
.ladder li[data-state="next"] .bar{ background:var(--rung-dusk); }
.ladder .lab{ font-size:15px; }
.ladder .lab .step{ font-weight:700; color:var(--rung-text); }
.ladder li[data-state="now"] .lab .step{ color:var(--rung-ember-deep); }
.ladder .lab .meta{ display:block; font-size:13px; color:var(--rung-text-muted); }
.ladder .go{ margin-left:auto; }
.gradmod .grad-foot{ margin-top:14px; font-size:14px; color:var(--rung-text-body); }

/* ---------- on-page nav ---------- */
.onpage{ border:1px solid var(--rung-line); border-radius:var(--rung-radius-lg);
  background:var(--rung-surface-alt); padding:var(--rung-space-4) var(--rung-space-5); }
.onpage .label{ display:block; margin-bottom:10px; }
.onpage ol{ margin:0; padding:0; list-style:none; counter-reset:toc; }
.onpage li{ counter-increment:toc; }
.onpage a{ display:flex; gap:12px; padding:8px 0; text-decoration:none; color:var(--rung-text-body); font-size:15px; }
.onpage a:hover{ color:var(--rung-text); }
.onpage a::before{ content:counter(toc,decimal-leading-zero); font-size:12px;
  color:var(--rung-text-faint); font-weight:700; }

/* ---------- FAQ ---------- */
.faq{ border:1px solid var(--rung-line); border-radius:var(--rung-radius-lg);
  background:var(--rung-surface); overflow:hidden; }
.faq details{ border-bottom:1px solid var(--rung-line); }
.faq details:last-child{ border-bottom:0; }
.faq summary{ list-style:none; cursor:pointer; padding:17px var(--rung-space-5); display:flex;
  align-items:center; justify-content:space-between; gap:14px; font-family:var(--rung-font-serif);
  font-weight:400; font-size:19px; letter-spacing:-.03em; color:var(--rung-text); }
.faq summary::-webkit-details-marker{ display:none; }
.faq summary .ico{ flex:none; width:20px; height:20px; position:relative; }
.faq summary .ico::before, .faq summary .ico::after{ content:""; position:absolute;
  background:var(--rung-ember); left:50%; top:50%; transform:translate(-50%,-50%); border-radius:2px; }
.faq summary .ico::before{ width:13px; height:2px; }
.faq summary .ico::after{ width:2px; height:13px; transition:opacity .3s; }
.faq details[open] summary .ico::after{ opacity:0; }
.faq .a{ padding:0 var(--rung-space-5) 18px; font-size:15px; color:var(--rung-text-body); }
.faq .a p{ margin:0; }

/* ---------- related cluster ---------- */
.related{ display:grid; grid-template-columns:repeat(auto-fit,minmax(200px,1fr)); gap:var(--rung-space-3); }
.related a{ display:block; border:1px solid var(--rung-line); border-radius:var(--rung-radius-lg);
  padding:var(--rung-space-5); text-decoration:none; background:var(--rung-surface);
  transition:transform .2s var(--rung-ease-enter), border-color .2s, box-shadow .2s; }
.related a:hover{ transform:translateY(-3px); border-color:var(--rung-line-strong); box-shadow:var(--rung-shadow-md); }
.related a .label{ display:block; margin-bottom:8px; }
.related a .t{ font-family:var(--rung-font-serif); font-weight:400; color:var(--rung-text);
  font-size:18px; line-height:1.15; letter-spacing:-.03em; }

/* ---------- trust strip ---------- */
.trust-strip{ display:flex; flex-wrap:wrap; gap:var(--rung-space-5); align-items:center;
  background:var(--rung-ink); border-radius:var(--rung-radius-xl); padding:var(--rung-space-5) var(--rung-space-6); }
.trust-strip .ts{ color:var(--rung-fog); font-size:14px; display:flex; align-items:center; gap:10px; }
.trust-strip .ts .n{ font-weight:700; font-size:26px; color:var(--rung-white); letter-spacing:-.04em; }
.trust-strip .ts.div{ width:1px; height:32px; background:color-mix(in srgb, var(--rung-white) 16%, transparent); padding:0; }
.trust-strip a{ color:var(--rung-white); font-weight:700; }

/* ---------- spoke index ---------- */
.spokes{ display:grid; grid-template-columns:repeat(auto-fill,minmax(240px,1fr)); gap:var(--rung-space-2); }
.spokes a{ display:flex; align-items:center; gap:10px; padding:13px var(--rung-space-4);
  border:1px solid var(--rung-line); border-radius:var(--rung-pill); text-decoration:none;
  background:var(--rung-surface); color:var(--rung-text-body); font-size:14.5px;
  transition:border-color .2s, transform .2s var(--rung-ease-enter); }
.spokes a:hover{ border-color:var(--rung-ember); transform:translateY(-2px); color:var(--rung-text); }
.spokes a .q{ font-size:11px; color:var(--rung-text-faint); font-weight:700; }

/* ---------- situation choice router ---------- */
.choice-router{ position:relative; overflow:hidden; display:grid; grid-template-columns:minmax(220px,.72fr) minmax(0,1.45fr);
  gap:var(--rung-space-7); align-items:center; padding:var(--rung-space-7); border-radius:var(--rung-radius-xl);
  background:var(--rung-ink); box-shadow:var(--rung-shadow-lg); }
.choice-router::before{ content:""; position:absolute; top:0; right:var(--rung-space-7); width:var(--rung-space-9);
  height:var(--rung-space-1); background:var(--rung-ember); }
.choice-router .kicker{ color:var(--rung-ember); }
.choice-router h2{ color:var(--rung-white); font-size:clamp(32px,4vw,46px); margin:var(--rung-space-3) 0; }
.sec .choice-router .sub{ color:var(--rung-fog); margin:0; }
.situation-choices{ display:grid; grid-template-columns:repeat(2,minmax(0,1fr)); gap:var(--rung-space-3); }
.choice-router.situation-router-three{ grid-template-columns:1fr; gap:var(--rung-space-5); align-items:start; }
.situation-router-three .choice-router-head{ max-width:720px; }
.situation-router-three .situation-choices{ grid-template-columns:repeat(3,minmax(0,1fr)); }
.situation-choice{ display:flex; align-items:center; justify-content:space-between; gap:var(--rung-space-4);
  min-height:calc(var(--rung-space-9) + var(--rung-space-4)); padding:var(--rung-space-4) var(--rung-space-5); border:1px solid transparent;
  border-radius:var(--rung-radius-md); background:var(--rung-surface); color:var(--rung-text);
  font-family:var(--rung-font-serif); font-size:clamp(18px,1.8vw,22px); font-weight:600; line-height:1.18;
  text-decoration:none; box-shadow:var(--rung-shadow-md);
  transition:transform var(--rung-dur-enter) var(--rung-ease-enter),border-color var(--rung-dur-enter) var(--rung-ease-enter),box-shadow var(--rung-dur-enter) var(--rung-ease-enter); }
.situation-choice:hover,.situation-choice:focus-visible{ transform:translateY(-3px); border-color:var(--rung-ember); box-shadow:var(--rung-shadow-lg); }
.choice-arrow{ flex:none; color:var(--rung-dusk); font-family:var(--rung-font-sans); font-size:23px; font-weight:700;
  transition:transform var(--rung-dur-enter) var(--rung-ease-enter); }
.situation-choice:hover .choice-arrow,.situation-choice:focus-visible .choice-arrow{ transform:translateX(var(--rung-space-1)); }
@media(max-width:900px){
  .choice-router{ grid-template-columns:1fr; gap:var(--rung-space-5); }
  .choice-router-head{ max-width:620px; }
  .situation-router-three .situation-choices{ grid-template-columns:1fr; }
}
@media(max-width:680px){
  .choice-router{ padding:var(--rung-space-5); border-radius:var(--rung-radius-lg); }
  .choice-router::before{ right:var(--rung-space-5); }
  .choice-router h2{ font-size:32px; }
  .situation-choices{ grid-template-columns:1fr; gap:var(--rung-space-2); }
  .situation-choice{ min-height:calc(var(--rung-space-8) + var(--rung-space-1)); padding:var(--rung-space-3) var(--rung-space-4); font-size:18px; box-shadow:var(--rung-shadow-sm); }
}

/* ---------- editorial process story ---------- */
.process-story{ position:relative; padding:var(--rung-space-7); border-top:var(--rung-space-1) solid var(--rung-dusk);
  border-radius:var(--rung-radius-xl); background:var(--rung-surface-alt); box-shadow:var(--rung-shadow-sm); }
.process-story-head{ display:grid; grid-template-columns:1.1fr .9fr; gap:var(--rung-space-7); align-items:end;
  padding-bottom:var(--rung-space-5); border-bottom:1px solid var(--rung-line); }
.process-story h2{ margin:var(--rung-space-3) 0 0; }
.sec .process-story .sub{ margin:0; }
.process-steps{ display:grid; grid-template-columns:repeat(3,minmax(0,1fr)); gap:var(--rung-space-6);
  align-items:start; margin-top:var(--rung-space-6); }
.process-step{ padding-top:var(--rung-space-4); border-top:2px solid var(--rung-line-strong); }
.process-step:nth-child(1){ margin-top:var(--rung-space-6); }
.process-step:nth-child(2){ margin-top:var(--rung-space-3); border-color:var(--rung-dusk); }
.process-step-goal{ border-color:var(--rung-ember); }
.process-number{ display:block; margin-bottom:var(--rung-space-5); color:var(--rung-text-faint);
  font-size:clamp(38px,4vw,54px); font-weight:600; line-height:.9; letter-spacing:-.05em; }
.process-step-goal .process-number{ color:var(--rung-ember-deep); }
.process-step h3{ margin:0 0 var(--rung-space-2); font-size:22px; }
.process-step p{ margin:0; color:var(--rung-text-muted); font-size:15px; }
.process-section,.tool-section{ padding-top:var(--rung-space-7); padding-bottom:var(--rung-space-7); }
@media(max-width:760px){
  .process-section,.tool-section{ padding-top:var(--rung-space-6); padding-bottom:var(--rung-space-6); }
  .process-story{ padding:var(--rung-space-5); border-radius:var(--rung-radius-lg); }
  .process-story-head{ grid-template-columns:1fr; gap:var(--rung-space-2); padding-bottom:var(--rung-space-4); }
  .process-story h2{ font-size:32px; }
  .sec .process-story .sub{ font-size:16px; line-height:1.45; }
  .process-steps{ grid-template-columns:1fr; gap:var(--rung-space-2); margin-top:var(--rung-space-5); }
  .process-step,.process-step:nth-child(1),.process-step:nth-child(2){ display:grid; grid-template-columns:52px 1fr;
    column-gap:var(--rung-space-3); margin-top:0; padding-top:var(--rung-space-3); }
  .process-number{ grid-row:1 / 3; margin:0; font-size:32px; }
  .process-step h3{ font-size:19px; }
  .process-step p{ font-size:14px; }
  .process-step h3,.process-step p{ grid-column:2; }
}

/* ---------- intent lane cards ---------- */
.lanes{ display:grid; grid-template-columns:repeat(2,1fr); gap:var(--rung-space-4); }
.lane{ border:1px solid var(--rung-line); border-radius:var(--rung-radius-lg); background:var(--rung-surface);
  padding:var(--rung-space-5); text-decoration:none; display:block;
  transition:transform .2s var(--rung-ease-enter), border-color .2s, box-shadow .2s; }
.lane:hover{ transform:translateY(-3px); border-color:var(--rung-line-strong); box-shadow:var(--rung-shadow-md); }
.lane .tag{ margin-bottom:14px; }
.lane h3{ font-size:24px; margin-bottom:8px; }
.lane p{ font-size:15px; color:var(--rung-text-muted); margin:0 0 12px; }
.lane .inside{ font-size:13px; color:var(--rung-text-faint); }
.lane .go{ color:var(--rung-ember-deep); font-family:var(--rung-font-sans); font-weight:700;
  font-size:14px; margin-top:12px; display:inline-block; }
@media(max-width:680px){ .lanes{ grid-template-columns:1fr; } }

/* ---------- tool cards ---------- */
.tools-row{ display:grid; grid-template-columns:repeat(3,1fr); gap:var(--rung-space-4); }
.toolcard{ border:1px solid var(--rung-line); border-radius:var(--rung-radius-lg);
  background:var(--rung-surface); padding:var(--rung-space-5); text-decoration:none;
  transition:transform .2s var(--rung-ease-enter), border-color .2s, box-shadow .2s; display:block; }
.toolcard:hover{ transform:translateY(-3px); border-color:var(--rung-line-strong); box-shadow:var(--rung-shadow-md); }
.toolcard .ic{ width:42px; height:42px; border-radius:var(--rung-pill); background:var(--rung-dusk-tint);
  color:var(--rung-dusk-deep); display:flex; align-items:center; justify-content:center; margin-bottom:14px; }
:root[data-theme="dark"] .toolcard .ic{ color:var(--rung-dusk); }
.toolcard h3{ font-size:20px; margin-bottom:6px; }
.toolcard p{ font-size:14px; color:var(--rung-text-muted); margin:0; }
.tool-group{ margin-top:var(--rung-space-7); }
.tool-group:first-of-type{ margin-top:var(--rung-space-6); }
.tool-group-head{ max-width:680px; margin-bottom:var(--rung-space-4); }
.tool-group-head h2{ margin:var(--rung-space-2) 0; font-size:28px; }
.tool-group-head p{ margin:0; color:var(--rung-text-muted); }
.tools-row-single{ grid-template-columns:minmax(0,380px); }
@media(max-width:760px){ .tools-row{ grid-template-columns:1fr; } }

/* ---------- asymmetric tool showcase ---------- */
.tool-showcase{ display:grid; grid-template-columns:1.12fr .88fr; grid-template-rows:repeat(2,minmax(0,1fr));
  gap:var(--rung-space-4); }
.tool-showcase .toolcard{ display:flex; flex-direction:column; align-items:flex-start; min-height:0; }
.toolcard-featured{ grid-row:1 / 3; min-height:356px; padding:var(--rung-space-7);
  background:linear-gradient(145deg,var(--rung-ember-tint),var(--rung-surface-alt));
  border-color:color-mix(in srgb,var(--rung-ember) 30%,var(--rung-line)); box-shadow:var(--rung-shadow-md); }
.toolcard-featured .ic{ width:64px; height:64px; border-radius:var(--rung-radius-lg);
  background:var(--rung-ember); color:var(--rung-white); }
.toolcard-featured .ic svg{ width:28px; height:28px; }
.toolcard-featured h3{ max-width:12ch; font-size:clamp(30px,3.5vw,42px); margin-top:var(--rung-space-3); }
.toolcard-featured p{ max-width:38ch; font-size:17px; }
.tool-showcase .toolcard:not(.toolcard-featured){ min-height:calc(var(--rung-space-9) + var(--rung-space-8));
  padding:var(--rung-space-4); background:var(--rung-surface-alt); }
.tool-showcase .toolcard:not(.toolcard-featured) .ic{ width:var(--rung-space-6); height:var(--rung-space-6); margin-bottom:var(--rung-space-2); }
.tool-go{ display:inline-block; margin-top:auto; padding-top:var(--rung-space-4); color:var(--rung-ember-deep);
  font-family:var(--rung-font-sans); font-size:14px; font-weight:700; }
@media(max-width:760px){
  .tool-showcase{ grid-template-columns:repeat(2,minmax(0,1fr)); grid-template-rows:auto; }
  .toolcard-featured{ grid-column:1 / -1; grid-row:auto; min-height:calc(var(--rung-space-9) * 3); padding:var(--rung-space-5); }
  .toolcard-featured h3{ font-size:34px; }
  .tool-showcase .toolcard:not(.toolcard-featured){ min-height:calc(var(--rung-space-9) + var(--rung-space-8)); }
  .tool-showcase .toolcard:not(.toolcard-featured) p{ display:none; }
  .tool-showcase .toolcard:not(.toolcard-featured) h3{ font-size:19px; }
  .tool-showcase .toolcard:not(.toolcard-featured) .tool-go{ font-size:12px; }
}

/* ---------- "different" section ---------- */
.diff{ display:grid; grid-template-columns:repeat(3,1fr); gap:var(--rung-space-5); }
.diff .d .num{ font-size:13px; color:var(--rung-text-faint); font-weight:700;
  border-top:3px solid var(--rung-ember); padding-top:12px; display:inline-block; width:100%; }
.diff .d h3{ font-size:21px; margin:12px 0 8px; }
.diff .d p{ font-size:15px; color:var(--rung-text-muted); margin:0; }
@media(max-width:760px){ .diff{ grid-template-columns:1fr; } }

/* ---------- financial stability destination ---------- */
.destination-panel{ position:relative; overflow:hidden; padding:var(--rung-space-7);
  border-top:var(--rung-space-1) solid var(--rung-dusk); border-radius:var(--rung-radius-xl);
  background:linear-gradient(135deg,var(--rung-dusk-tint),var(--rung-surface-alt) 68%);
  box-shadow:var(--rung-shadow-sm); }
.destination-panel::after{ content:""; position:absolute; top:0; right:var(--rung-space-7);
  width:var(--rung-space-9); height:var(--rung-space-1); background:var(--rung-ember); }
.destination-head{ display:grid; grid-template-columns:1.12fr .88fr; gap:var(--rung-space-7); align-items:end;
  padding-bottom:var(--rung-space-6); border-bottom:1px solid var(--rung-line); }
.destination-panel h2{ max-width:15ch; margin:var(--rung-space-3) 0 0; }
.sec .destination-panel .sub{ margin:0 0 var(--rung-space-4); font-size:17px; }
.destination-intro .link-step{ display:inline-block; }
.destination-panel .stability-grid{ display:grid; grid-template-columns:repeat(4,minmax(0,1fr)); gap:0;
  margin-top:var(--rung-space-6); }
.destination-panel .stability-point{ min-width:0; padding:0 var(--rung-space-5); border-left:1px solid var(--rung-line); }
.destination-panel .stability-point:first-child{ padding-left:0; border-left:0; }
.destination-panel .stability-point:last-child{ padding-right:0; }
.destination-panel .stability-point .fig{ display:block; margin-bottom:var(--rung-space-5);
  color:var(--rung-text-faint); font-size:clamp(28px,3vw,40px); font-weight:600; line-height:.9; letter-spacing:-.05em; }
.destination-panel .stability-point-goal .fig{ color:var(--rung-ember-deep); }
.destination-panel .stability-point h3{ margin:0 0 var(--rung-space-2); font-size:21px; }
.destination-panel .stability-point p{ margin:0; color:var(--rung-text-muted); font-size:15px; }

/* ---------- editorial standard ---------- */
.editorial-standard{ position:relative; overflow:hidden; border-radius:var(--rung-radius-xl);
  background:var(--rung-ink); box-shadow:var(--rung-shadow-lg); }
.editorial-head{ display:grid; grid-template-columns:1.12fr .88fr; gap:var(--rung-space-7); align-items:end;
  padding:var(--rung-space-7); border-bottom:1px solid color-mix(in srgb,var(--rung-white) 16%,transparent); }
.editorial-standard .kicker{ color:var(--rung-ember); }
.editorial-standard h2{ max-width:17ch; margin:var(--rung-space-3) 0 0; color:var(--rung-white); }
.sec .editorial-standard .sub{ margin:0; color:var(--rung-fog); font-size:17px; }
.editorial-rules{ display:grid; grid-template-columns:repeat(3,minmax(0,1fr)); padding:0 var(--rung-space-7); }
.editorial-rule{ min-width:0; padding:var(--rung-space-6) var(--rung-space-5); border-left:1px solid color-mix(in srgb,var(--rung-white) 14%,transparent); }
.editorial-rule:first-child{ padding-left:0; border-left:0; }
.editorial-rule:last-child{ padding-right:0; }
.editorial-rule .num{ display:block; margin-bottom:var(--rung-space-5); color:var(--rung-fog);
  font-size:13px; font-weight:700; }
.editorial-rule h3{ margin:0 0 var(--rung-space-2); color:var(--rung-white); font-size:22px; }
.editorial-rule p{ margin:0; color:var(--rung-fog); font-size:15px; }
.editorial-links{ display:grid; grid-template-columns:repeat(3,minmax(0,1fr));
  border-top:1px solid color-mix(in srgb,var(--rung-white) 16%,transparent); }
.editorial-links a{ display:flex; justify-content:space-between; gap:var(--rung-space-3); padding:var(--rung-space-4) var(--rung-space-7);
  border-left:1px solid color-mix(in srgb,var(--rung-white) 14%,transparent); color:var(--rung-white);
  font-size:13px; font-weight:700; text-decoration:none;
  transition:background var(--rung-dur-enter) var(--rung-ease-enter),color var(--rung-dur-enter) var(--rung-ease-enter); }
.editorial-links a:first-child{ border-left:0; }
.editorial-links a:hover,.editorial-links a:focus-visible{ background:var(--rung-ember); color:var(--rung-white); }
.editorial-links span{ flex:none; }

@media(max-width:900px){
  .destination-head,.editorial-head{ grid-template-columns:1fr; gap:var(--rung-space-3); }
  .destination-panel h2,.editorial-standard h2{ max-width:20ch; }
  .destination-panel .stability-grid{ grid-template-columns:repeat(2,minmax(0,1fr)); row-gap:var(--rung-space-6); }
  .destination-panel .stability-point:nth-child(3){ padding-left:0; border-left:0; }
  .editorial-links a{ padding-right:var(--rung-space-5); padding-left:var(--rung-space-5); }
}
@media(max-width:680px){
  .destination-section,.trust-section{ padding-top:var(--rung-space-6); padding-bottom:var(--rung-space-6); }
  .destination-panel,.editorial-head{ padding:var(--rung-space-5); }
  .destination-panel{ border-radius:var(--rung-radius-lg); }
  .destination-panel::after{ right:var(--rung-space-5); }
  .destination-panel h2,.editorial-standard h2{ max-width:none; font-size:32px; }
  .sec .destination-panel .sub,.sec .editorial-standard .sub{ font-size:16px; line-height:1.45; }
  .destination-panel .stability-grid{ grid-template-columns:1fr; row-gap:0; margin-top:var(--rung-space-5); }
  .destination-panel .stability-point,.destination-panel .stability-point:first-child,
  .destination-panel .stability-point:nth-child(3){ display:grid; grid-template-columns:44px 1fr; column-gap:var(--rung-space-3);
    padding:var(--rung-space-4) 0; border-left:0; border-top:1px solid var(--rung-line); }
  .destination-panel .stability-point:first-child{ border-top:0; }
  .destination-panel .stability-point .fig{ grid-row:1 / 3; margin:0; font-size:28px; }
  .destination-panel .stability-point h3,.destination-panel .stability-point p{ grid-column:2; }
  .destination-panel .stability-point h3{ font-size:19px; }
  .editorial-standard{ border-radius:var(--rung-radius-lg); }
  .editorial-rules{ grid-template-columns:1fr; padding:0 var(--rung-space-5); }
  .editorial-rule,.editorial-rule:first-child{ display:grid; grid-template-columns:36px 1fr; column-gap:var(--rung-space-3);
    padding:var(--rung-space-4) 0; border-left:0; border-top:1px solid color-mix(in srgb,var(--rung-white) 14%,transparent); }
  .editorial-rule:first-child{ border-top:0; }
  .editorial-rule .num{ grid-row:1 / 3; margin:0; }
  .editorial-rule h3,.editorial-rule p{ grid-column:2; }
  .editorial-rule h3{ font-size:19px; }
  .editorial-links{ grid-template-columns:1fr; }
  .editorial-links a,.editorial-links a:first-child{ padding:var(--rung-space-3) var(--rung-space-5);
    border-left:0; border-top:1px solid color-mix(in srgb,var(--rung-white) 14%,transparent); }
  .editorial-links a:first-child{ border-top:0; }
}

/* ---------- homepage structure ---------- */
@media(max-width:900px){ .home-hero-grid{ grid-template-columns:1fr !important; } }
@media(max-width:520px){ .home-coverage-grid{ grid-template-columns:1fr !important; } }

/* ---------- calculator ---------- */
.calc{ border:1px solid var(--rung-line); border-radius:var(--rung-radius-lg);
  background:var(--rung-surface); overflow:hidden; box-shadow:var(--rung-shadow-sm); }
.calc-head{ padding:var(--rung-space-5); border-bottom:1px solid var(--rung-line); display:flex;
  justify-content:space-between; align-items:center; gap:12px; flex-wrap:wrap;
  background:var(--rung-surface-alt); }
.calc-head h4{ font-family:var(--rung-font-serif); font-weight:400; font-size:21px; letter-spacing:-.03em; }
.calc-grid{ display:grid; grid-template-columns:1fr 1fr; gap:0; }
.calc-inputs{ padding:var(--rung-space-5); border-right:1px solid var(--rung-line); }
.calc-field{ margin-bottom:var(--rung-space-5); }
.calc-field:last-child{ margin-bottom:0; }
.calc-field label{ display:flex; justify-content:space-between; font-size:13px; font-weight:700;
  color:var(--rung-text-muted); margin-bottom:8px; }
.calc-field label .val{ font-weight:700; color:var(--rung-text); font-variant-numeric:tabular-nums; }
.calc-field input[type=range]{ width:100%; accent-color:var(--rung-ember); }
.calc-out{ padding:var(--rung-space-5); background:var(--rung-surface-alt); }
.calc-out .row{ display:flex; justify-content:space-between; align-items:baseline; padding:9px 0;
  border-bottom:1px solid var(--rung-line); }
.calc-out .row:last-of-type{ border-bottom:0; }
.calc-out .row .k{ font-size:13.5px; color:var(--rung-text-muted); }
.calc-out .row .v{ font-weight:700; font-size:21px; color:var(--rung-text); letter-spacing:-.03em;
  font-variant-numeric:tabular-nums lining-nums; }
.calc-out .row .v.ember{ color:var(--rung-ember-deep); }
.calc-meaning{ margin-top:var(--rung-space-4); font-size:14px; color:var(--rung-text-body);
  border-left:3px solid var(--rung-info); padding-left:12px; }
.cash-router .select{ width:100%; }
.cash-router .calc-out h3{ color:var(--rung-text); }
@media(max-width:640px){ .calc-grid{ grid-template-columns:1fr; }
  .calc-inputs{ border-right:0; border-bottom:1px solid var(--rung-line); } }

/* ---------- calculator page shell ---------- */
.calculator-page{ position:relative; max-width:1040px; margin:0 auto; }
.calculator-hero{ display:grid; grid-template-columns:1.08fr .92fr; gap:var(--rung-space-7); align-items:end;
  margin:var(--rung-space-4) 0 var(--rung-space-6); padding:var(--rung-space-7);
  border-top:var(--rung-space-1) solid var(--rung-dusk); border-radius:var(--rung-radius-xl);
  background:linear-gradient(135deg,var(--rung-dusk-tint),var(--rung-surface-alt) 70%);
  box-shadow:var(--rung-shadow-sm); }
.calculator-hero h1{ max-width:15ch; margin:var(--rung-space-3) 0 0; font-size:clamp(34px,4.7vw,50px); }
.calculator-lede{ max-width:38ch; margin:0; color:var(--rung-text-muted); font-size:18px; line-height:1.5; }
.calculator-page > .answer-box,.calculator-page > .the-catch,.calculator-page > .fit,
.calculator-page > .disclosure-bar,.calculator-page > section:not(:has(> .calc)){ max-width:760px; margin-right:auto; margin-left:auto; }
.calculator-page > .answer-box{ margin-bottom:var(--rung-space-6); padding:var(--rung-space-5); }
.calculator-page > .answer-box h4{ max-width:31ch; margin-bottom:var(--rung-space-3); font-size:23px; }
.calculator-page > section:has(> .calc){ max-width:none; }
.calculator-page .calc{ overflow:hidden; border:0; border-top:var(--rung-space-1) solid var(--rung-ember);
  border-radius:var(--rung-radius-xl); box-shadow:var(--rung-shadow-lg); }
.calculator-page .calc-head{ padding:var(--rung-space-5) var(--rung-space-6); border-bottom:1px solid color-mix(in srgb,var(--rung-white) 16%,transparent);
  background:var(--rung-ink); }
.calculator-page .calc-head h4{ color:var(--rung-white); font-size:18px; }
.calculator-page .calc-head .illus{ color:var(--rung-fog); }
.calculator-page .calc-inputs{ padding:var(--rung-space-6); background:var(--rung-surface); }
.calculator-page .calc-field{ margin-bottom:var(--rung-space-6); }
.calculator-page .calc-field:last-child{ margin-bottom:0; }
.calculator-page .calc-field label{ margin-bottom:var(--rung-space-3); font-size:14px; }
.calculator-page .calc-field .val{ color:var(--rung-ember-deep); }
.calculator-page .calc-out{ padding:var(--rung-space-6); background:var(--rung-ink); color:var(--rung-fog); }
.calculator-page .calc-out .row{ padding:var(--rung-space-3) 0; border-color:color-mix(in srgb,var(--rung-white) 16%,transparent); }
.calculator-page .calc-out .row .k{ color:var(--rung-fog); }
.calculator-page .calc-out .row .v{ color:var(--rung-white); }
.calculator-page .calc-out .row .v.ember,.calculator-page .calc-out .fig{ color:var(--rung-ember); }
.calculator-page .calc-out .label{ color:var(--rung-fog); }
.calculator-page .calc-out p{ color:var(--rung-fog) !important; }
.calculator-page .calc-out strong{ color:var(--rung-white); }
.calculator-page .calc-meaning{ margin-top:var(--rung-space-5); padding:var(--rung-space-4);
  border-left:var(--rung-space-1) solid var(--rung-ember); border-radius:var(--rung-radius-md);
  background:var(--rung-ink-2); color:var(--rung-fog); }
.calculator-page .calc input[type="range"]{ accent-color:var(--rung-ember); }
.calculator-page .cb-seg,.calculator-page .rr-seg,.calculator-page .tp-seg{
  border-radius:var(--rung-radius-md); transition:border-color var(--rung-dur-enter) var(--rung-ease-enter),
  background var(--rung-dur-enter) var(--rung-ease-enter),transform var(--rung-dur-enter) var(--rung-ease-enter); }
.calculator-page .cb-seg:hover,.calculator-page .rr-seg:hover,.calculator-page .tp-seg:hover{
  border-color:var(--rung-ember); transform:translateY(-1px); }
.calculator-page .tp-wrap > div:first-child{
  padding:var(--rung-space-6)!important; border:0!important; border-top:var(--rung-space-1) solid var(--rung-dusk)!important;
  border-radius:var(--rung-radius-xl)!important; background:var(--rung-surface-alt)!important; box-shadow:var(--rung-shadow-md); }
.calculator-page .tp-wrap > div:last-child > div:first-child{
  padding:var(--rung-space-6)!important; border:0!important; border-radius:var(--rung-radius-xl)!important;
  background:var(--rung-ink)!important; box-shadow:var(--rung-shadow-md); }
.calculator-page .tp-wrap > div:last-child > div:first-child .label,
.calculator-page .tp-wrap > div:last-child > div:first-child p{ color:var(--rung-fog)!important; }
.calculator-method{ max-width:760px; margin:var(--rung-space-7) auto; }
.calculator-method h2{ margin-bottom:var(--rung-space-3); font-size:24px; }
.calculator-formula{ padding:var(--rung-space-3) var(--rung-space-4); border-radius:var(--rung-radius-md);
  background:var(--rung-surface-alt); color:var(--rung-text-body); font-family:var(--rung-font-sans); font-size:13px; }
.calculator-section{ margin-top:var(--rung-space-7); margin-bottom:var(--rung-space-7); }
.calculator-section > h2{ margin-bottom:var(--rung-space-3); font-size:24px; }
.calculator-section > .sub{ margin-bottom:var(--rung-space-4); }
.calculator-page .byline{ max-width:760px; margin:0 auto var(--rung-space-6); padding:0 var(--rung-space-2); }
.calculator-page .onpage{ max-width:760px; margin:0 auto var(--rung-space-5); padding:var(--rung-space-3) var(--rung-space-4); }
.calculator-page .onpage .label{ margin-bottom:var(--rung-space-2); }
.calculator-page .onpage ol{ display:flex; gap:var(--rung-space-4); overflow-x:auto; scrollbar-width:thin; }
.calculator-page .onpage li{ flex:none; }
.calculator-page .onpage a{ padding:var(--rung-space-1) 0; white-space:nowrap; font-size:var(--rung-font-size-body-sm); }
.calculator-page .onpage a::before{ display:none; }
.calculator-page .onpage a[aria-current="location"]{ color:var(--rung-text); font-weight:700; }
.calculator-page .input,.calculator-page .select{ width:100%; }
.calculator-page .calc-field small{ display:block; margin-top:var(--rung-space-2); color:var(--rung-text-faint); font-size:12px; }
.money-input{ position:relative; }
.money-input .money-prefix{ position:absolute; top:50%; left:var(--rung-space-4); transform:translateY(-50%);
  color:var(--rung-text-muted); font-weight:700; pointer-events:none; }
.money-input .money-suffix{ position:absolute; top:50%; right:var(--rung-space-4); transform:translateY(-50%);
  color:var(--rung-text-muted); font-weight:700; pointer-events:none; }
.calculator-page .money-input .input{ padding-left:var(--rung-space-7); }
.calculator-page .money-input:has(.money-suffix) .input{ padding-right:var(--rung-space-7); }
.calculator-page .calc-head{ padding:var(--rung-space-4) var(--rung-space-5); }
.calculator-page .calc-inputs,.calculator-page .calc-out{ padding:var(--rung-space-5); }
.calculator-page .calc-field{ margin-bottom:var(--rung-space-5); }
.calculator-page .calc-field label{ margin-bottom:var(--rung-space-2); }
.calculator-page .calc-out .row{ gap:var(--rung-space-4); }
.calculator-page .calc-out > [data-result-warnings]{ margin:var(--rung-space-4) 0 0; padding-left:var(--rung-space-5); }
#personal-loan-offer-comparison .calc-inputs,
#debt-consolidation-calculator .calc-inputs{ display:grid; grid-template-columns:repeat(3,minmax(0,1fr)); gap:var(--rung-space-5); }
#personal-loan-offer-comparison .calc-inputs > .calc-field,
#personal-loan-offer-comparison .calc-inputs > [data-calculator-errors],
#personal-loan-offer-comparison .calc-inputs > .calculator-actions,
#debt-consolidation-calculator .calc-inputs > h3,
#debt-consolidation-calculator .calc-inputs > [data-calculator-errors],
#debt-consolidation-calculator .calc-inputs > .calculator-actions{ grid-column:1 / -1; }
#personal-loan-offer-comparison .calc-inputs > .panel,
#debt-consolidation-calculator .calc-inputs > .panel{ margin:0; }
#personal-loan-offer-comparison .calc-out{ display:grid; grid-template-columns:repeat(3,minmax(0,1fr)); gap:var(--rung-space-4); }
#personal-loan-offer-comparison .calc-out > .calc-meaning,
#personal-loan-offer-comparison .calc-out > [data-result-warnings]{ grid-column:1 / -1; }
#debt-consolidation-calculator .calc-out{ display:grid; grid-template-columns:repeat(2,minmax(0,1fr)); gap:var(--rung-space-4); }
#debt-consolidation-calculator .calc-out > h4,
#debt-consolidation-calculator .calc-out > .row,
#debt-consolidation-calculator .calc-out > .calc-meaning,
#debt-consolidation-calculator .calc-out > [data-result-warnings]{ grid-column:1 / -1; }
#personal-loan-offer-comparison .calc-out > .panel,
#debt-consolidation-calculator .calc-out > .panel{ margin:0; border-color:color-mix(in srgb,var(--rung-white) 16%,transparent); background:var(--rung-ink-2); }
#personal-loan-offer-comparison .calc-out > .panel h4,
#debt-consolidation-calculator .calc-out > .panel h4{ color:var(--rung-white); }
.calculator-actions{ display:flex; align-items:center; justify-content:space-between; gap:var(--rung-space-3);
  margin-top:var(--rung-space-5); flex-wrap:wrap; }
.calculator-actions p{ margin:0; color:var(--rung-text-muted); font-size:13px; }
.calculator-page .calculator-actions{ justify-content:flex-start; }
.calculator-page .calculator-actions [data-copy-status]{ flex-basis:100%; }
.calc-choice-list{ margin:0; padding:0; border:0; }
.calc-choice-list legend{ margin-bottom:var(--rung-space-3); color:var(--rung-text-muted); font-size:var(--rung-font-size-body-sm); font-weight:700; }
.calculator-page .calc-choice-list label{ display:grid; grid-template-columns:auto minmax(0,1fr); justify-content:normal;
  align-items:start; gap:var(--rung-space-3); margin:0; padding:var(--rung-space-3); border:1px solid var(--rung-line);
  border-radius:var(--rung-radius-md); background:var(--rung-surface-alt); color:var(--rung-text-body); font-weight:600; cursor:pointer; }
.calculator-page .calc-choice-list label+label{ margin-top:var(--rung-space-2); }
.calculator-page .calc-choice-list label:has(input:checked){ border-color:var(--rung-ember); background:var(--rung-ember-tint); color:var(--rung-text); }
.calculator-page .calc-choice-list label:focus-within{ outline:var(--rung-space-1) solid var(--rung-ember); outline-offset:var(--rung-space-1); }
.calc-choice-list input{ margin:var(--rung-space-1) 0 0; accent-color:var(--rung-ember); }
.planner-output .planner-first{ margin:var(--rung-space-2) 0 var(--rung-space-5); color:var(--rung-ember);
  font-size:var(--rung-font-size-body); font-weight:700; }
.planner-output .planner-checkpoint{ margin:0; padding:var(--rung-space-4); border:1px solid color-mix(in srgb,var(--rung-white) 16%,transparent);
  border-radius:var(--rung-radius-md); background:var(--rung-ink-2); }
.planner-output .planner-checkpoint .label{ display:block; margin-bottom:var(--rung-space-2); }
.planner-output .planner-checkpoint [data-output]{ color:var(--rung-white); font-weight:700; }
.planner-output .calc-meaning ol{ margin:var(--rung-space-3) 0 0; padding-left:var(--rung-space-5); }
.planner-output .planner-summary{ margin:var(--rung-space-4) 0 0; font-size:var(--rung-font-size-body-sm); }
.planner-output > [data-result-warnings]{ font-size:var(--rung-font-size-body-sm); }
.calculator-page .planner-inputs{ background:var(--rung-surface-alt); }
.calculator-page .planner-inputs .select{ background:var(--rung-surface); }
.calculator-page .source-list{ margin:var(--rung-space-3) 0 0; padding-left:var(--rung-space-5); }
.calculator-page .source-list li{ margin-bottom:var(--rung-space-2); }
.calculator-page .source-list li:last-child{ margin-bottom:0; }
.calculator-page .faq{ margin-top:var(--rung-space-4); }
.calculator-page .next-rung{ margin-top:var(--rung-space-7); margin-bottom:var(--rung-space-7); }

@media(min-width:1440px){
  .calculator-page .onpage{ position:absolute;
    left:calc(50% + var(--rung-space-9) + var(--rung-space-9) + var(--rung-space-9) + var(--rung-space-9) + var(--rung-space-9) + var(--rung-space-6) + var(--rung-space-4));
    width:calc(var(--rung-space-9) + var(--rung-space-7)); margin:0; padding:var(--rung-space-4);
    border-color:var(--rung-line-strong); background:color-mix(in srgb,var(--rung-surface-alt) 94%,transparent);
    box-shadow:var(--rung-shadow-sm); }
  .calculator-page .onpage.is-stuck{ position:fixed; top:calc(var(--rung-space-8) + var(--rung-space-5)); }
  .calculator-page .onpage ol{ display:block; overflow:visible; }
  .calculator-page .onpage li{ width:100%; }
  .calculator-page .onpage a{ white-space:normal; padding:var(--rung-space-2) var(--rung-space-3); border-radius:var(--rung-radius-md); }
  .calculator-page .onpage a[aria-current="location"]{ background:var(--rung-ember-tint); color:var(--rung-ember-deep);
    box-shadow:inset var(--rung-space-1) 0 var(--rung-ember); }
}

@media(max-width:640px){
  .calculator-page .onpage{ margin-bottom:var(--rung-space-4); padding:var(--rung-space-2) var(--rung-space-3); border-radius:var(--rung-radius-md); }
  .calculator-page .onpage .label{ margin-bottom:var(--rung-space-1); }
  .calculator-page .onpage ol{ gap:var(--rung-space-3); }
  .calculator-page .onpage a{ padding:0; }
  .calculator-page .calc-head,.calculator-page .calc-inputs,.calculator-page .calc-out{ padding:var(--rung-space-4); }
  .calculator-page .calc-field{ margin-bottom:var(--rung-space-4); }
  .calculator-page .calculator-actions{ gap:var(--rung-space-2); margin-top:var(--rung-space-4); }
  .calculator-page .calculator-actions .btn{ width:100%; }
  #personal-loan-offer-comparison .calc-inputs,
  #debt-consolidation-calculator .calc-inputs,
  #personal-loan-offer-comparison .calc-out,
  #debt-consolidation-calculator .calc-out{ grid-template-columns:1fr; }
  #personal-loan-offer-comparison .calc-out > .calc-meaning,
  #personal-loan-offer-comparison .calc-out > [data-result-warnings],
  #debt-consolidation-calculator .calc-out > h4,
  #debt-consolidation-calculator .calc-out > .row,
  #debt-consolidation-calculator .calc-out > .calc-meaning,
  #debt-consolidation-calculator .calc-out > [data-result-warnings]{ grid-column:auto; }
  .calculator-page .calc-choice-list label{ padding:var(--rung-space-3); }
  .planner-output .planner-first{ margin-bottom:var(--rung-space-4); }
}

/* ---------- evidence-led guide pages ---------- */
.guide-page{ position:relative; }
.guide-page > .answer-box,.guide-page > .guide-meta,.guide-page > .onpage,
.guide-page > .guide-section,.guide-page > .next-rung{ max-width:820px; margin-right:auto; margin-left:auto; }
.guide-page > .answer-box{ margin-bottom:var(--rung-space-6); padding:var(--rung-space-5); }
.guide-page > .guide-meta{ margin-bottom:var(--rung-space-5); }
.guide-page > .guide-section{ margin-top:var(--rung-space-7); margin-bottom:var(--rung-space-7); }
.guide-page > .guide-wide{ max-width:1040px; }
.guide-page > .next-rung{ margin-top:var(--rung-space-7); margin-bottom:var(--rung-space-7); }
.guide-page .onpage{ margin-bottom:var(--rung-space-5); padding:var(--rung-space-3) var(--rung-space-4); }
.guide-page .onpage .label{ margin-bottom:var(--rung-space-2); }
.guide-page .onpage ol{ display:flex; gap:var(--rung-space-4); overflow-x:auto; scrollbar-width:thin; }
.guide-page .onpage li{ flex:none; }
.guide-page .onpage a{ padding:var(--rung-space-1) 0; white-space:nowrap; font-size:var(--rung-font-size-body-sm); }
.guide-page .onpage a::before{ display:none; }
.guide-page .onpage a[aria-current="location"]{ color:var(--rung-text); font-weight:700; }
.guide-page .source-list{ margin:0; padding-left:var(--rung-space-5); }
.guide-page .source-list li{ margin-bottom:var(--rung-space-3); }
.guide-page .source-list li:last-child{ margin-bottom:0; }
.guide-page .source-list + .illus{ margin-top:var(--rung-space-4); }
.guide-page .guide-formula{ padding:var(--rung-space-3) var(--rung-space-4); border-radius:var(--rung-radius-md);
  background:var(--rung-surface); color:var(--rung-text-body); }
.guide-page .guide-formula:last-of-type{ margin-bottom:var(--rung-space-4); }
.guide-page .guide-action{ margin-top:var(--rung-space-4); }
.guide-page .guide-checklist{ margin:0; padding-left:var(--rung-space-5); }
.guide-page .guide-checklist li{ margin-bottom:var(--rung-space-3); padding-left:var(--rung-space-2); }
.guide-page .guide-checklist li:last-child{ margin-bottom:0; }
.guide-page .cost-story{ display:block; }
.guide-page .compare-wrap .minitable{ min-width:calc(var(--rung-space-9) + var(--rung-space-9) + var(--rung-space-9) + var(--rung-space-9) + var(--rung-space-9) + var(--rung-space-9)); }
.guide-page.compact-guide > .guide-section{ margin-top:var(--rung-space-6); margin-bottom:var(--rung-space-6); }
.guide-page .compact-disclosures .hub-details{ width:100%; margin:0 auto; box-shadow:none; }
.guide-page .compact-disclosures .hub-details > summary{ padding:var(--rung-space-4) var(--rung-space-5); font-size:19px; }

@media(min-width:1440px){
  .guide-page .onpage{ position:absolute;
    left:calc(50% + var(--rung-space-9) + var(--rung-space-9) + var(--rung-space-9) + var(--rung-space-9) + var(--rung-space-9) + var(--rung-space-6) + var(--rung-space-4));
    width:calc(var(--rung-space-9) + var(--rung-space-7)); margin:0; padding:var(--rung-space-4);
    border-color:var(--rung-line-strong); background:color-mix(in srgb,var(--rung-surface-alt) 94%,transparent);
    box-shadow:var(--rung-shadow-sm); }
  .guide-page .onpage.is-stuck{ position:fixed; top:calc(var(--rung-space-8) + var(--rung-space-5)); }
  .guide-page .onpage ol{ display:block; overflow:visible; }
  .guide-page .onpage li{ width:100%; }
  .guide-page .onpage a{ white-space:normal; padding:var(--rung-space-2) var(--rung-space-3); border-radius:var(--rung-radius-md); }
  .guide-page .onpage a[aria-current="location"]{ background:var(--rung-ember-tint); color:var(--rung-ember-deep);
    box-shadow:inset var(--rung-space-1) 0 var(--rung-ember); }
}

@media(max-width:640px){
  .guide-page .onpage{ margin-bottom:var(--rung-space-4); padding:var(--rung-space-2) var(--rung-space-3); border-radius:var(--rung-radius-md); }
  .guide-page .onpage .label{ margin-bottom:var(--rung-space-1); }
  .guide-page .onpage ol{ gap:var(--rung-space-3); }
  .guide-page .onpage a{ padding:0; }
  .guide-page > .guide-section{ margin-top:var(--rung-space-6); margin-bottom:var(--rung-space-6); }
}

/* ---------- need-based hub pages ---------- */
.hub-page{ max-width:1040px; margin:0 auto; }
.hub-hero{ display:grid; grid-template-columns:1.08fr .92fr; gap:var(--rung-space-7); align-items:end;
  margin:var(--rung-space-4) 0 var(--rung-space-6); padding:var(--rung-space-7);
  border-top:var(--rung-space-1) solid var(--rung-dusk); border-radius:var(--rung-radius-xl);
  background:linear-gradient(135deg,var(--rung-dusk-tint),var(--rung-surface-alt)); box-shadow:var(--rung-shadow-sm); }
.hub-hero h1{ max-width:16ch; margin:var(--rung-space-3) 0 0; font-size:clamp(34px,4.7vw,50px); }
.hub-lede{ max-width:38ch; margin:0; color:var(--rung-text-muted); font-size:18px; line-height:1.5; }
.hub-page > section,.hub-page > .disclosure-bar,.hub-page > .the-catch,.hub-page > .fit{
  max-width:820px; margin-right:auto!important; margin-left:auto!important; }
.hub-page > .hub-primary,.hub-page > .hub-wide{ max-width:none; }
.hub-page .hub-primary.calc{ overflow:hidden; border:0; border-top:var(--rung-space-1) solid var(--rung-ember);
  border-radius:var(--rung-radius-xl); box-shadow:var(--rung-shadow-lg); }
.hub-page .hub-primary .calc-head{ padding:var(--rung-space-5) var(--rung-space-6); border-color:color-mix(in srgb,var(--rung-white) 16%,transparent);
  background:var(--rung-ink); color:var(--rung-white); }
.hub-page .hub-primary .calc-head h2,.hub-page .hub-primary .calc-head h4{ color:var(--rung-white); }
.hub-page .hub-primary .calc-head .label,.hub-page .hub-primary .calc-head .illus{ color:var(--rung-fog); }
.hub-page .hub-primary .calc-inputs{ padding:var(--rung-space-6); background:var(--rung-surface); }
.hub-page .hub-primary .calc-out{ padding:var(--rung-space-6); background:var(--rung-ink); color:var(--rung-fog); }
.hub-page .hub-primary .calc-out h3,.hub-page .hub-primary .calc-out strong{ color:var(--rung-white); }
.hub-page .hub-primary .calc-out p,.hub-page .hub-primary .calc-out .label{ color:var(--rung-fog)!important; }
.hub-page .hub-primary .calc-meaning{ padding:var(--rung-space-4); border-color:var(--rung-ember);
  border-radius:var(--rung-radius-md); background:var(--rung-ink-soft); color:var(--rung-fog); }
.hub-page .lanes{ gap:var(--rung-space-3); }
.hub-page .lane{ position:relative; min-height:0; padding:var(--rung-space-5); border-radius:var(--rung-radius-xl); box-shadow:var(--rung-shadow-sm); }
.hub-page .lane::before{ content:""; position:absolute; top:0; left:var(--rung-space-5); width:var(--rung-space-7);
  height:var(--rung-space-1); background:var(--rung-dusk); }
.hub-page .lane h3{ margin-top:var(--rung-space-2); font-size:22px; }
.hub-page .lane p{ max-width:42ch; }
.hub-page .figblock{ padding:var(--rung-space-4); border-radius:var(--rung-radius-xl); background:var(--rung-surface-alt); }
.hub-details{ max-width:820px; margin:var(--rung-space-6) auto; border:1px solid var(--rung-line); border-radius:var(--rung-radius-lg);
  background:var(--rung-surface); box-shadow:var(--rung-shadow-sm); }
.hub-details > summary{ display:flex; align-items:center; justify-content:space-between; gap:var(--rung-space-4);
  padding:var(--rung-space-5); cursor:pointer; list-style:none; color:var(--rung-text);
  font-family:var(--rung-font-serif); font-size:21px; font-weight:600; }
.hub-details > summary::-webkit-details-marker{ display:none; }
.hub-details > summary::after{ content:"+"; color:var(--rung-ember-deep); font-family:var(--rung-font-sans); font-size:24px; }
.hub-details[open] > summary::after{ content:"−"; }
.hub-details-body{ padding:0 var(--rung-space-5) var(--rung-space-5); }
.hub-details-body > :first-child{ margin-top:0!important; }
.hub-page .lanes > .lane:last-child:nth-child(odd){ grid-column:1 / -1; }
.hub-route-grid{ grid-template-columns:repeat(3,minmax(0,1fr)); }
.hub-page .hub-route-grid > .lane:last-child:nth-child(odd){ grid-column:auto; }
@media(max-width:760px){
  .hub-hero{ grid-template-columns:1fr; gap:var(--rung-space-3); padding:var(--rung-space-5); border-radius:var(--rung-radius-lg); }
  .hub-hero h1{ max-width:none; font-size:37px; }
  .hub-lede{ font-size:16px; }
  .hub-page .hub-primary{ border-radius:var(--rung-radius-lg); }
  .hub-page .hub-primary .calc-head,.hub-page .hub-primary .calc-inputs,.hub-page .hub-primary .calc-out{ padding:var(--rung-space-5); }
  .hub-page .lane{ border-radius:var(--rung-radius-lg); }
  .hub-route-grid{ grid-template-columns:1fr; }
  .hub-page .lanes > .lane:last-child:nth-child(odd){ grid-column:auto; }
}
@media(max-width:760px){
  .calculator-hero{ grid-template-columns:1fr; gap:var(--rung-space-3); padding:var(--rung-space-5); border-radius:var(--rung-radius-lg); }
  .calculator-hero h1{ max-width:none; font-size:36px; }
  .calculator-lede{ font-size:16px; }
  .calculator-page .calc{ border-radius:var(--rung-radius-lg); }
  .calculator-page .calc-head{ align-items:flex-start; flex-direction:column; padding:var(--rung-space-4) var(--rung-space-5); }
  .calculator-page .calc-inputs,.calculator-page .calc-out{ padding:var(--rung-space-5); }
}

/* ---------- section rhythm ---------- */
.sec{ padding:var(--rung-space-8) 0; }
.sec-sm{ padding:var(--rung-space-7) 0; }
.sec h2{ font-size:clamp(30px,4.4vw,42px); margin-bottom:var(--rung-space-3); }
.sec .sub{ color:var(--rung-text-muted); margin-bottom:var(--rung-space-6); max-width:62ch; font-size:19px; }
.stack > * + *{ margin-top:var(--rung-space-6); }
.hr{ height:1px; background:var(--rung-line); border:0; margin:0; }
p.lede{ font-size:21px; line-height:1.55; color:var(--rung-text-muted); max-width:850px; }

/* ---------- footer ---------- */
footer.site{ background:var(--rung-ink); color:var(--rung-fog); margin-top:var(--rung-space-9);
  padding:var(--rung-space-8) 0 var(--rung-space-6); }
footer.site .cols{ display:grid; grid-template-columns:1.4fr 1fr 1fr 1fr; gap:var(--rung-space-6); }
footer.site h4{ font-family:var(--rung-font-sans); text-transform:uppercase; letter-spacing:.14em;
  font-size:11px; color:var(--rung-fog); margin-bottom:14px; }
footer.site a{ display:block; color:var(--rung-fog); text-decoration:none; font-size:14.5px; padding:5px 0; }
footer.site a:hover{ color:var(--rung-white); }
footer.site .brandcol p{ font-size:14px; color:var(--rung-fog); max-width:30ch; }
footer.site .legal{ border-top:1px solid rgba(255,255,255,.12); margin-top:var(--rung-space-7);
  padding-top:var(--rung-space-5); display:flex; flex-wrap:wrap; gap:var(--rung-space-4); align-items:center; }
footer.site .legal a{ display:inline; font-size:13px; color:var(--rung-fog); }
footer.site .legal .disc{ font-size:12.5px; color:var(--rung-fog); width:100%; margin-top:8px; }
@media(max-width:760px){ footer.site .cols{ grid-template-columns:1fr 1fr; } }
@media(max-width:460px){ footer.site .cols{ grid-template-columns:1fr; } }

/* ---------- reveal ---------- */
.rise{ opacity:0; transform:translateY(16px); }
.rise.in{ opacity:1; transform:none;
  transition:opacity var(--rung-dur-enter) var(--rung-ease-enter), transform var(--rung-dur-enter) var(--rung-ease-enter); }
@keyframes rise{ from{ opacity:0; transform:translateY(16px);} to{ opacity:1; transform:none;} }
@media(prefers-reduced-motion:reduce){
  .rise,.rise.in{ opacity:1; transform:none; transition:none; }
  .offer-options-cta .btn{ transition:none; }
  .offer-options-cta .btn:hover{ transform:none; }
}

/* ============================================================
   DL 3.0 narrative components
   ============================================================ */

/* Cost Story — total cost outranks the monthly payment */
.cost-story{ display:grid; grid-template-columns:1.2fr .8fr; gap:var(--rung-space-4); }
.cost-story .cs-figures{ display:grid; grid-template-columns:repeat(3,minmax(0,1fr)); gap:var(--rung-space-3); }
.cost-story .metric.total{ border-color:var(--rung-ember); background:var(--rung-ember-tint); }
.cost-story .metric.total .value{ color:var(--rung-ember-deep); font-size:44px; }
.costLine{ display:flex; align-items:flex-end; justify-content:space-between; gap:12px;
  padding:11px 0; border-bottom:1px solid var(--rung-line); }
.costLine:last-child{ border-bottom:0; }
@media(max-width:820px){ .cost-story{ grid-template-columns:1fr; }
  .cost-story .cs-figures{ grid-template-columns:1fr; } }

/* Mechanism Explainer — three calm steps */
.mechanism{ display:grid; grid-template-columns:repeat(3,1fr); gap:var(--rung-space-4); }
.mechanism .step{ padding:var(--rung-space-5); border:1px solid var(--rung-line);
  border-radius:var(--rung-radius-lg); background:var(--rung-surface); }
.mechanism .stepNo{ width:36px; height:36px; border-radius:var(--rung-pill); display:grid;
  place-items:center; background:var(--rung-surface-alt); font-weight:800; color:var(--rung-text);
  border:1px solid var(--rung-line); }
.mechanism .step h4{ margin:14px 0 6px; font-size:17px; }
.mechanism .step p{ margin:0; color:var(--rung-text-muted); font-size:14.5px; }
@media(max-width:820px){ .mechanism{ grid-template-columns:1fr; } }

/* Tradeoff Card */
.tradeoff{ display:grid; grid-template-columns:1fr 1fr; gap:var(--rung-space-4); }
@media(max-width:620px){ .tradeoff{ grid-template-columns:1fr; } }

/* Confidence Meter */
.confidence{ display:grid; gap:10px; }
.confidence .conf-head{ display:flex; justify-content:space-between; align-items:baseline; }
.confidence .conf-head strong{ font-size:15px; }
.confidence .conf-head span{ color:var(--rung-text-muted); font-size:14px; font-weight:700; }
.bar{ height:10px; background:var(--rung-line); border-radius:var(--rung-pill); overflow:hidden; }
.bar > span{ display:block; height:100%; background:linear-gradient(90deg,var(--rung-ember),var(--rung-dusk)); }
.confidence p{ margin:0; font-size:14px; color:var(--rung-text-muted); }

/* Next Rung — graduation, always before the CTA */
.next-rung{ display:flex; align-items:center; justify-content:space-between; gap:var(--rung-space-5);
  padding:var(--rung-space-6); border-radius:var(--rung-radius-xl); border:1px solid var(--rung-line);
  background:linear-gradient(135deg, color-mix(in srgb,var(--rung-ember) 10%, var(--rung-surface)),
    color-mix(in srgb,var(--rung-dusk) 12%, var(--rung-surface))); }
.next-rung h3{ font-size:26px; margin-top:8px; }
.next-rung p{ margin:8px 0 0; color:var(--rung-text-muted); font-size:15px; max-width:56ch; }
.next-rung .btn{ flex:none; }
@media(max-width:760px){ .next-rung{ flex-direction:column; align-items:flex-start; } }

/* ---------- offer handoff ---------- */
rung-offer-options{ display:block; }
rung-offer-options:not(:defined),rung-offer-options[hidden]{ display:none; }
.offer-options-cta{ margin:var(--rung-space-6) 0; }
.offer-options-cta > div{ min-width:0; }
.footer-offer small{ display:block; margin-top:2px; color:var(--rung-fog); font-size:10px; letter-spacing:.08em; text-transform:uppercase; }
.calculator-page .calc .offer-options-cta-result{ display:none; flex-direction:column; align-items:stretch;
  margin:var(--rung-space-6) 0 0; padding:var(--rung-space-5); border-color:var(--rung-line-strong);
  background:var(--rung-surface); box-shadow:var(--rung-shadow-md); }
.calculator-page .calc[data-result-state="valid"][data-user-interacted="true"] .offer-options-cta-result{ display:flex; }
.calculator-page .calc .offer-options-cta-result h3{ color:var(--rung-text); font-size:24px; }
.calculator-page .calc .offer-options-cta-result .label{ color:var(--rung-ember-deep); }
.calculator-page .calc .offer-options-cta-result p{ color:var(--rung-text-muted)!important; }
.calculator-page .calc .offer-options-cta-result .btn{ width:100%; }
.offer-page{ max-width:980px; margin:0 auto; padding-bottom:var(--rung-space-8); }
.offer-handoff{ display:grid; gap:var(--rung-space-4); margin-top:var(--rung-space-6); }
.offer-handoff-panel{ padding:var(--rung-space-6); }
.offer-handoff-panel h2{ margin:var(--rung-space-2) 0 var(--rung-space-4); font-size:32px; }
.offer-mechanism{ margin:var(--rung-space-5) 0; }
.offer-actions{ display:flex; flex-wrap:wrap; gap:var(--rung-space-3); margin-top:var(--rung-space-5); }
@media(max-width:680px){
  .offer-handoff-panel{ padding:var(--rung-space-5); }
  .offer-actions{ flex-direction:column; align-items:stretch; }
  .offer-actions .btn{ width:100%; }
}

/* Form controls */
.field{ display:grid; gap:8px; }
.field label{ font-size:13px; font-weight:700; color:var(--rung-text-muted); }
.input,.select,.textarea{ width:100%; border-radius:var(--rung-radius-md); border:1px solid var(--rung-line);
  background:var(--rung-surface); color:var(--rung-text); padding:0 14px; font-family:var(--rung-font-sans);
  font-size:15px; }
.input,.select{ height:48px; }
.textarea{ min-height:160px; padding:12px 14px; line-height:1.5; resize:vertical; }
.input:focus,.select:focus,.textarea:focus{ outline:3px solid color-mix(in srgb, var(--rung-ember) 30%, transparent);
  outline-offset:2px; border-color:var(--rung-ember); }

/* ---------- contact page ---------- */
.contact-page{ max-width:1040px; margin:0 auto; padding-bottom:var(--rung-space-8); }
.contact-intro{ max-width:720px; margin:var(--rung-space-4) 0 var(--rung-space-7); }
.contact-intro h1{ margin:var(--rung-space-3) 0 var(--rung-space-4); font-size:clamp(38px,6vw,64px); }
.contact-layout{ display:grid; grid-template-columns:minmax(0,1.55fr) minmax(260px,.75fr); gap:var(--rung-space-6); align-items:start; }
.contact-form-panel{ padding:var(--rung-space-6); }
.contact-form-panel h2{ margin:var(--rung-space-2) 0 var(--rung-space-3); font-size:clamp(28px,4vw,38px); }
.contact-form-panel > div > p{ color:var(--rung-text-muted); }
.contact-form{ display:grid; gap:var(--rung-space-5); margin-top:var(--rung-space-6); }
.contact-form-row{ display:grid; grid-template-columns:repeat(2,minmax(0,1fr)); gap:var(--rung-space-4); }
.field label .optional{ margin-left:var(--rung-space-1); color:var(--rung-text-faint); font-weight:400; }
.contact-form-actions{ display:flex; flex-wrap:wrap; align-items:center; gap:var(--rung-space-3); }
.contact-status{ margin:0; color:var(--rung-text-muted); font-size:13px; }
.contact-privacy{ margin:var(--rung-space-5) 0 0; padding-top:var(--rung-space-4); border-top:1px solid var(--rung-line);
  color:var(--rung-text-muted); font-size:13px; }
.contact-details{ display:grid; gap:var(--rung-space-4); }
.contact-method{ padding:var(--rung-space-5); border:1px solid var(--rung-line); border-radius:var(--rung-radius-lg);
  background:var(--rung-surface-alt); }
.contact-method .label{ display:block; margin-bottom:var(--rung-space-2); }
.contact-value{ display:block; color:var(--rung-text); font-family:var(--rung-font-sans); font-size:18px; font-weight:700;
  overflow-wrap:anywhere; }
.contact-method p{ margin:var(--rung-space-2) 0 0; color:var(--rung-text-muted); font-size:14px; }
@media(max-width:760px){
  .contact-layout{ grid-template-columns:1fr; }
  .contact-form-panel{ padding:var(--rung-space-5); }
}
@media(max-width:560px){
  .contact-form-row{ grid-template-columns:1fr; }
  .contact-form-actions{ align-items:stretch; }
  .contact-form-actions .btn{ width:100%; }
}

/* Editorial pilot: connected DL3 guide and calculator layouts. */
.editorial-pilot > .hub-hero,
.editorial-pilot > .calculator-hero{
  display:block; max-width:760px; margin:var(--rung-space-5) auto var(--rung-space-4);
  padding:0; border:0; border-radius:0; background:none; box-shadow:none;
}
.editorial-pilot > .hub-hero h1,
.editorial-pilot > .calculator-hero h1{ max-width:24ch; margin:var(--rung-space-3) 0; }
.editorial-pilot > .hub-hero p,
.editorial-pilot > .calculator-hero p{ max-width:68ch; margin-top:var(--rung-space-3); }
.editorial-pilot > .guide-meta{ max-width:760px; }
.editorial-pilot > .guide-section{ max-width:760px; gap:var(--rung-space-3); }
.editorial-pilot > .onpage{ display:none; }
.editorial-pilot .guide-section h2{ max-width:36ch; }
.editorial-pilot .guide-section p{ color:var(--rung-text-body); max-width:68ch; }
.editorial-pilot .related.source-list{ display:block; padding-left:var(--rung-space-5); border:0; background:none; }
.editorial-pilot .related.source-list a{ display:inline; padding:0; border:0; background:none; text-decoration:underline; }
.editorial-pilot .hub-details > .stack{ padding:var(--rung-space-4) var(--rung-space-5); }
.editorial-pilot .calc-field small{ color:var(--rung-text-body); font-size:var(--rung-font-size-body-sm); }
.editorial-pilot .calc-out .row .v.ember{ color:var(--rung-white); }
.editorial-pilot .calculator-section{ margin-top:var(--rung-space-5); }
.editorial-pilot .calculator-hero h1{ font-size:clamp(32px,4vw,48px); }
.editorial-pilot [data-example-status]{ color:var(--rung-fog); }
@media(max-width:640px){
  .editorial-pilot > .hub-hero h1{ font-size:36px; }
  .editorial-pilot > .guide-section{ margin-top:var(--rung-space-6); margin-bottom:var(--rung-space-6); }
}
.editorial-pilot .calc-optional,
.editorial-pilot [data-example-status]{ grid-column:1 / -1; }
.editorial-pilot [data-offer-status]{ color:var(--rung-fog); }
.editorial-pilot .calc-optional{ display:flex; align-items:center; gap:var(--rung-space-2); }
.editorial-pilot .calc-optional input{ width:20px; height:20px; }
.editorial-pilot .calc-inputs > [hidden],
.editorial-pilot .calc-out > [hidden]{ display:none; }
.editorial-pilot > .guide-meta{ margin-left:auto; margin-right:auto; }
.editorial-pilot > .calculator-section > h2,
.editorial-pilot > .calculator-section > p{ max-width:760px; margin-left:auto; margin-right:auto; }
.editorial-pilot .guide-section > p{ margin:0; }
.editorial-pilot.guide-page .compare{ min-width:0; width:100%; }
.editorial-pilot.guide-page .compare td:last-child{ white-space:nowrap; }

/* Personalized next steps: visible context, one clear action, readable disclosure. */
header.site .site-inner{ height:auto; min-height:88px; padding-top:var(--rung-space-3); padding-bottom:var(--rung-space-3); }
.nav-offer-wrap{ flex-direction:column; align-items:center; gap:var(--rung-space-1); }
.nav-offer-note{ position:static; width:auto; padding:0; border:0; background:none; box-shadow:none; color:var(--rung-text-body); font-size:12px; line-height:1.35; text-align:center; opacity:1; transform:none; pointer-events:auto; }
.footer-offer-note{ display:block; max-width:24ch; color:var(--rung-fog); font-size:12px; line-height:1.5; }
.editorial-pilot > rung-offer-options{ max-width:760px; margin:0 auto; }
.offer-options-cta{ align-items:flex-start; gap:var(--rung-space-5); }
.offer-options-cta .offer-copy{ flex:1; }
.offer-options-cta .offer-copy h3{ max-width:27ch; }
.offer-options-cta .offer-copy p{ margin-top:var(--rung-space-3); }
.offer-action{ flex:0 0 220px; display:flex; flex-direction:column; gap:var(--rung-space-3); }
.offer-action .btn{ min-height:48px; text-align:center; }
.offer-options-cta p.offer-disclosure{ margin:0; font-size:13px; line-height:1.5; color:var(--rung-text-body); }
.offer-options-cta p.offer-credit-note,.offer-options-cta p.offer-limits{ font-size:14px; line-height:1.55; color:var(--rung-text-body); }
.editorial-pilot > .editorial-next-step{ background:none; border:0; box-shadow:none; padding:0; max-width:760px; margin-top:var(--rung-space-4); }
.editorial-next-step h3{ font-size:24px; }
.calculator-page .calc .offer-options-cta-result .offer-action{ flex-basis:auto; }
.calculator-page .calc .offer-options-cta-result p{ color:var(--rung-text-body)!important; }
@media(max-width:760px){
  header.site .site-inner{ min-height:64px; }
  .offer-options-cta{ flex-direction:column; }
  .offer-action{ flex-basis:auto; width:100%; }
  .mobile-offer small{ font-size:13px; color:var(--rung-text-body); }
}
.offer-jump a{ display:inline-flex; align-items:center; min-height:44px; }
#loan-options{ scroll-margin-top:120px; }
nav.primary{ align-items:center; }
nav.primary a.offer{ display:flex; align-items:center; justify-content:center; min-height:44px; }
.offer-action .btn-feature:hover,nav.primary a.offer:hover{ background:var(--rung-ember-deep); }
[data-theme="dark"] .offer-action .btn-feature,
[data-theme="dark"] nav.primary a.offer,
[data-theme="dark"] .mobile-personalized-action{ color:var(--rung-ink); background:var(--rung-ember-deep); }
[data-theme="dark"] .offer-action .btn-feature:hover,
[data-theme="dark"] nav.primary a.offer:hover{ color:var(--rung-ink); background:var(--rung-ember); }
html[data-theme="dark"] .mobile-nav a.mobile-personalized-action{ color:var(--rung-ink); }

/* Final supplied vectors include their own clear space. */
.rung-logo-adaptive,.rung-logo,footer.site .rung-logo-fixed-dark { width:180px; height:54px; }
.rung-logo .rung-logo-art { display:block; width:100%; height:100%; object-fit:contain; }
.rung-logo-symbol { display:none; }
.rung-logo-fixed-dark .rung-logo-dark { opacity:1; }

/* Restrained Fraunces display settings; body keeps Geist defaults. */
h1,h2,h3 { font-optical-sizing:auto; font-variation-settings:"SOFT" 0, "WONK" 0; }

/* Private accessibility pass: preserve visual style with semantic headings. */
footer.site .private-footer-heading{font-family:var(--rung-font-sans);font-weight:700;line-height:1.2;text-transform:uppercase;letter-spacing:.14em;font-size:11px;color:var(--rung-fog);margin:0 0 14px;}
.rung-v4 footer.site .private-footer-heading{color:var(--rung-text);text-transform:none;letter-spacing:0;font-weight:600;font-size:15px;}
[data-theme="dark"] .rung-v4 .btn-feature{color:var(--rung-ink);}
.rung-v4 .btn-feature:hover{background:var(--rung-ember-deep);}
.rung-v4 :is(input,select,button,summary,[tabindex],section){scroll-margin-top:120px;}
.solution-field-error{color:var(--rung-danger);font-size:15px;margin-top:8px;}
.solution-result .private-result-heading{font-family:var(--rung-font-sans);font-size:17px;font-weight:700;line-height:1.2;letter-spacing:-.01em;margin:0 0 6px;}

[data-private-tool-fields]{display:contents;border:0;margin:0;padding:0;min-width:0} [data-private-tool-notice]{margin-block:1rem}