:root{--paper:#faf8f3;--paper2:#f1ede4;--ink:#0b0b0b;--muted:#5d5a54;--line:#d9d4c8;--acc:#E5391A;--accd:#FF5A36;--accdk:#B82A10;
--serif:'Fraunces',Georgia,'Times New Roman',serif;--sans:'Inter',system-ui,-apple-system,Segoe UI,Roboto,sans-serif;--mono:'IBM Plex Mono',ui-monospace,Menlo,monospace}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;overflow-x:hidden;font-family:var(--sans);color:var(--ink);background:var(--paper);line-height:1.6;-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration-color:var(--acc);text-underline-offset:3px;text-decoration-thickness:2px}
.wrap{max-width:1160px;margin:0 auto;padding:0 24px}
.accent{color:var(--acc)}.black .accent,.black em{color:var(--accd)}
.progress{position:fixed;top:0;left:0;right:0;height:4px;z-index:100;background:transparent}.progress i{display:block;height:100%;width:0;background:var(--acc)}
/* nav */
.nav{position:sticky;top:0;z-index:60;background:rgba(250,248,243,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--ink)}
.nav-inner{display:flex;align-items:center;gap:20px;height:60px}
.brand{display:flex;gap:10px;align-items:center;text-decoration:none;font-family:var(--serif);font-weight:800;font-size:1.2rem;margin-right:auto}
.brand svg{width:26px;height:26px}.brand b{color:var(--acc)}
.links a{text-decoration:none;font-size:.82rem;margin-left:18px;font-weight:600;color:var(--muted)}.links a:hover{color:var(--ink);text-decoration:underline}
.navcta{background:var(--ink);color:#fff;text-decoration:none;font-weight:700;font-size:.82rem;padding:8px 16px;border-radius:999px}.navcta:hover{background:var(--acc)}
.menu{display:none;background:var(--paper);border:1px solid var(--ink);color:var(--ink);border-radius:6px;font-size:1.1rem;padding:4px 10px}
/* type */
.eyebrow,.chapter{font-family:var(--mono);text-transform:uppercase;letter-spacing:.12em;font-size:.72rem;font-weight:600;color:var(--muted);margin:0 0 18px}
.chapter{color:var(--acc);border-top:2px solid currentColor;display:inline-block;padding-top:8px}.black .chapter{color:var(--accd)}
h1,h2,h3,h4{font-family:var(--serif);font-weight:900;letter-spacing:-.03em;line-height:1.02;margin:0}
h1{font-size:clamp(2.5rem,7.4vw,6rem);margin-bottom:28px;max-width:1040px}
h2.display{font-size:clamp(2.1rem,5.4vw,4.2rem);margin-bottom:20px;max-width:960px}h2.display em,h1 em{font-style:italic;font-weight:800}
h2{font-size:clamp(1.8rem,3.8vw,2.7rem);margin-bottom:14px}h3{font-size:1.5rem;margin-bottom:10px}h4{font-size:1.1rem;margin-bottom:8px;letter-spacing:-.01em}
.lede{font-size:clamp(1.05rem,1.7vw,1.3rem);max-width:760px;color:#222}
.sub{color:var(--muted);font-size:1.08rem;max-width:780px;margin:0 0 34px}.black .sub{color:#b9b5ab}
.fine{font-size:.78rem;color:var(--muted);margin-top:14px;max-width:900px}.black .fine{color:#98948a}
.note{font-size:.88rem;color:var(--muted);border-left:3px solid var(--acc);padding:6px 0 6px 16px;margin-top:28px}
cite{font-style:normal;font-family:var(--mono);font-size:.7rem;color:var(--muted);display:block;margin-top:10px}
.srcl{font-family:var(--mono);font-size:.68rem;color:var(--muted);margin-top:12px;border-top:1px dashed currentColor;padding-top:8px}.black .srcl{color:#8d897f}
.srcl a,cite a{color:inherit}
/* sections */
.section{padding:96px 0;border-top:1px solid var(--ink)}
.paper{background:var(--paper)}.paper2{background:var(--paper2)}.accentbg{background:var(--paper2)}
.black{background:var(--ink);color:#fff;border-top:0}
.big,.num{font-family:var(--serif);font-weight:900;letter-spacing:-.04em;line-height:.95;font-variant-numeric:tabular-nums;display:block}
/* hero */
.hero{padding:88px 0 64px;border-top:0}
.pullstats{display:grid;grid-template-columns:repeat(3,1fr);gap:0;margin:48px 0 36px;border-top:2px solid var(--ink)}
.pull{padding:20px 24px 4px 0;border-right:1px solid var(--line)}.pull+.pull{padding-left:24px}.pull:last-child{border-right:0}
.pull .num{font-size:clamp(2.6rem,6vw,5rem);color:var(--ink)}.pull:first-child .num{color:var(--acc)}
.lbl{display:block;color:var(--muted);font-size:.9rem;margin-top:10px;max-width:320px}
.cta,.btn{display:inline-block;background:var(--ink);color:#fff;text-decoration:none;font:700 .95rem var(--sans);padding:13px 24px;border-radius:999px;border:2px solid var(--ink);cursor:pointer;transition:background .2s,transform .2s}
.cta:hover,.btn:hover{background:var(--acc);border-color:var(--acc);transform:translateY(-2px)}
.btn{padding:9px 16px;font-size:.82rem}.btn.ghost{background:transparent;color:var(--ink)}.btn.ghost:hover{color:#fff}
/* marquee */
.marquee{background:var(--acc);color:#fff;overflow:hidden;white-space:nowrap;border-block:1px solid var(--ink)}
.mq-track{display:inline-block;padding:12px 0;animation:mq 60s linear infinite;font-family:var(--mono);font-size:.82rem;font-weight:600}
.mq-track span{margin:0 28px}.mq-track span::after{content:"•";margin-left:56px;opacity:.6}
.marquee:hover .mq-track{animation-play-state:paused}
@keyframes mq{to{transform:translateX(-50%)}}
/* seg */
.seg,.filters{display:inline-flex;border:1.5px solid currentColor;border-radius:999px;padding:3px;flex-wrap:wrap}
.seg button,.filters button{background:none;border:0;color:inherit;font:600 .84rem var(--sans);padding:8px 16px;border-radius:999px;cursor:pointer}
.seg button.on,.filters button.on{background:var(--ink);color:#fff}.black .seg button.on{background:#fff;color:var(--ink)}
.controls{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:26px}
/* hero visual (dark) */
.hv{margin:28px 0 0;border:1px solid #333;border-radius:18px;padding:26px;background:#141414;box-shadow:8px 8px 0 var(--acc)}
.hv-top{display:flex;flex-wrap:wrap;gap:12px 20px;margin-bottom:16px}
.hv-bench{font-size:.84rem;color:#b9b5ab;display:flex;gap:10px;align-items:flex-start;margin-bottom:14px;max-width:880px}.hv-bench b{color:#fff}.hv-bench .sw{flex:none;width:3px;height:30px;background:#fff}
.hv-rows{display:grid;gap:7px}
.hv-row{display:grid;grid-template-columns:150px 1fr 130px;gap:12px;align-items:center;font-size:.86rem}
.hv-row .nm b{margin-right:8px}.hv-row .nm span{color:#9a968c;font-size:.76rem}.warn{font-style:normal;font-size:.62rem;font-family:var(--mono);text-transform:uppercase;border:1px solid var(--accd);color:var(--accd);padding:0 5px;margin-left:6px;border-radius:3px}
.hv-row .tr{position:relative;height:20px;background:#222}
.hv-row .base{position:absolute;left:0;top:0;bottom:0;background:#555}
.hv-row .ex{position:absolute;top:0;bottom:0;background:var(--accd);width:0;transition:width .9s cubic-bezier(.2,.8,.2,1)}
.hv-row .mk{position:absolute;top:-4px;bottom:-4px;width:2px;background:#fff;z-index:2}
.hv-row .v{text-align:right;font-variant-numeric:tabular-nums;font-family:var(--mono);font-size:.82rem}.hv-row .v i{font-style:normal;font-weight:700;margin-left:6px;color:var(--accd)}
.hv-foot{display:grid;grid-template-columns:1fr 1fr;gap:32px;margin-top:26px;border-top:1px solid #333;padding-top:22px}
.hv-foot .big{font-size:clamp(2.6rem,5vw,4.2rem)}#hvAvg{color:var(--accd)}.hv-foot .lbl{color:#b9b5ab;max-width:420px}
.hv-fees{margin-top:26px}
.hero-method{margin-top:22px}.hero-method p{margin:0 0 8px}
/* tables */
.tablewrap{overflow-x:auto;margin-top:26px}
.tbl{width:100%;border-collapse:collapse;font-variant-numeric:tabular-nums;font-size:.92rem}
.tbl th{font-family:var(--mono);font-size:.68rem;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);text-align:left;padding:12px;border-bottom:2px solid var(--ink);cursor:pointer;white-space:nowrap;user-select:none;font-weight:600}
.tbl td,.tbl tbody th{padding:11px 12px;border-bottom:1px solid var(--line);white-space:nowrap;text-align:left;font-size:.92rem;text-transform:none;letter-spacing:0;font-family:var(--sans);color:var(--ink);cursor:default;font-weight:500}
.tbl td.num,.tbl th.num{text-align:right}.tbl tbody tr:hover td,.tbl tbody tr:hover th{background:#efe9db}
.tbl .fname{font-weight:600}.tbl .fname small{display:block;font-weight:400;color:var(--muted);font-size:.78rem}
.tbl th.sorted::after{content:" ↓";color:var(--acc)}.tbl th.sorted.asc::after{content:" ↑"}
.dark-tbl th{cursor:default}.dark-tbl tr.hl td{background:#efe9db}
.best{font-weight:800;color:var(--acc)}
.black .tbl th{color:#9a968c;border-color:#444}.black .tbl td,.black .tbl tbody th{color:#eee;border-color:#2a2a2a}.black .tbl tbody tr:hover td,.black .tbl tbody th:hover{background:#1c1c1c}
.hv-fees .tbl td,.hv-fees .tbl th{white-space:normal}
/* pills / cards (top5) */
.pill{display:inline-block;font-size:.64rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;padding:2px 8px;border-radius:999px;border:1px solid var(--ink)}
.pill.index{background:var(--ink);color:#fff}.pill.tdf{background:#e6e1d4;border-color:#9a968c}
.cards{display:grid;grid-template-columns:repeat(5,1fr);gap:14px}
.card{background:#fff;border:1.5px solid var(--ink);border-radius:14px;padding:20px 16px;position:relative;box-shadow:4px 4px 0 var(--ink);transition:transform .2s,box-shadow .2s}
.card:hover{transform:translate(-2px,-2px);box-shadow:7px 7px 0 var(--acc)}
.card .rank{position:absolute;top:14px;right:14px;font-family:var(--mono);font-weight:700;font-size:.8rem;color:var(--acc)}
.card .tk{font-weight:700;letter-spacing:.06em;font-size:.78rem;color:var(--muted)}
.card .nm{font-family:var(--serif);font-weight:800;font-size:1.02rem;line-height:1.15;min-height:3.4em;margin:6px 0 12px}
.card .big{font-size:2.5rem;color:var(--acc)}.card .big small{font-family:var(--sans);font-size:.76rem;color:var(--muted);font-weight:500;letter-spacing:0;display:block;margin-top:4px}
.card .meta{display:flex;justify-content:space-between;font-family:var(--mono);font-size:.7rem;color:var(--muted);border-top:1px dashed var(--ink);margin-top:14px;padding-top:10px}
/* split / two savers */
.split{display:grid;grid-template-columns:1fr 1fr;gap:0;border:2px solid var(--ink);border-radius:18px;overflow:hidden;background:#fff;box-shadow:8px 8px 0 var(--ink);position:relative}
.saver{padding:30px 28px 24px;min-height:210px}.sv-a{background:#ece8dd}.sv-b{background:#fff}
.who{display:block;font-family:var(--mono);font-size:.72rem;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);margin-bottom:16px}
.bal{display:block;font-family:var(--serif);font-weight:900;font-size:clamp(2.4rem,6vw,4.6rem);letter-spacing:-.04em;line-height:1;font-variant-numeric:tabular-nums}.sv-b .bal{color:var(--acc)}
.mini{display:block;font-size:.84rem;color:var(--muted);margin-top:12px}
.splitbar{grid-column:1/-1;display:grid;grid-template-columns:1fr 1fr;height:90px;align-items:end;border-top:2px solid var(--ink)}
.splitbar i{display:block;width:100%;min-height:3px;background:#8d897f;transition:height .5s;align-self:end}.splitbar i+i{background:var(--acc)}
.splitctl{grid-column:1/-1;display:flex;gap:16px;align-items:center;flex-wrap:wrap;padding:18px 24px;border-top:2px solid var(--ink);background:var(--paper)}
.splitctl label{font-weight:600;font-size:.9rem}.splitctl input[type=range]{flex:1;min-width:160px}
.gapline{grid-column:1/-1;margin:0;padding:16px 24px;font-size:1.15rem;border-top:1px solid var(--line);background:#fff}
.split>.fine{grid-column:1/-1;margin:0;padding:0 24px 18px;background:#fff}
input[type=range]{width:100%;accent-color:var(--acc);height:28px}
/* receipt */
.receipt-wrap{display:grid;grid-template-columns:340px 1fr;gap:48px;align-items:center;margin-top:72px}
.receipt{font-family:var(--mono);background:#fff;padding:24px 22px 34px;font-size:.82rem;box-shadow:0 18px 30px -18px rgba(0,0,0,.4);transform:rotate(-1.4deg);position:relative;border:1px solid var(--line);
 -webkit-mask:linear-gradient(#000 0 0) top/100% calc(100% - 10px) no-repeat,conic-gradient(from -45deg at bottom,#0000,#000 1deg 89deg,#0000 90deg) bottom/16px 10px repeat-x;mask:linear-gradient(#000 0 0) top/100% calc(100% - 10px) no-repeat,conic-gradient(from -45deg at bottom,#0000,#000 1deg 89deg,#0000 90deg) bottom/16px 10px repeat-x}
.rh{text-align:center;font-weight:700;font-size:1.1rem;letter-spacing:.1em;margin-bottom:12px}.rh small{font-weight:400;font-size:.66rem;letter-spacing:.08em;color:var(--muted)}
.rl{display:flex;justify-content:space-between;gap:12px;padding:3px 0;white-space:pre}.rl.big span:last-child{font-weight:700;color:var(--acc);font-size:1.1rem}.rl.tot{font-weight:700;font-size:.95rem;padding:6px 0}.rl.tot span:last-child{background:var(--ink);color:#fff;padding:0 6px}
.receipt hr{border:0;border-top:1px dashed var(--ink);margin:10px 0}.rf{font-size:.64rem;color:var(--muted);margin-top:12px;line-height:1.4}
.bar-code{height:34px;margin-top:14px;background:repeating-linear-gradient(90deg,#000 0 2px,#fff 2px 4px,#000 4px 5px,#fff 5px 9px,#000 9px 12px,#fff 12px 14px)}
.receipt-note p{color:var(--muted)}
.field{margin:14px 0}.field label{display:flex;justify-content:space-between;font-size:.84rem;font-weight:600;margin-bottom:4px}.field output{font-family:var(--mono);font-weight:600;color:var(--acc)}
/* trio / statcards / myths */
.trio{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:20px}
.statcard,.bignum{background:#fff;border:2px solid var(--ink);border-radius:16px;padding:26px 24px 18px;box-shadow:6px 6px 0 var(--ink)}
.statcard .num{font-size:clamp(3rem,6vw,4.6rem);color:var(--acc);margin-bottom:12px}.statcard p{margin:0;font-size:.98rem}
.mf-h{margin:64px 0 18px}
.myths{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.myth{background:#fff;border:2px solid var(--ink);border-radius:16px;padding:22px;box-shadow:6px 6px 0 var(--ink)}
.myth p{margin:8px 0 16px}.myth p:first-of-type{font-family:var(--serif);font-weight:700;font-size:1.2rem;line-height:1.2;text-decoration:line-through;text-decoration-color:var(--acc);text-decoration-thickness:2px}
.tag{display:inline-block;font-family:var(--mono);font-size:.68rem;font-weight:700;text-transform:uppercase;letter-spacing:.1em;background:var(--acc);color:#fff;padding:2px 9px;border-radius:3px}.tag.f{background:var(--ink)}
/* reality (dark) */
.bigrow{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-bottom:24px}
.black .bignum,.black .statcard{background:#141414;border-color:#3a3a3a;box-shadow:6px 6px 0 var(--acc);color:#eee}
.bignum .num{font-size:clamp(3.2rem,6.4vw,5.4rem);color:var(--accd);margin-bottom:12px}.bignum p{margin:0}
.black .statcard .num{color:#fff}
.chartgrid{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin:24px 0}
.chcard{border:1px solid #3a3a3a;border-radius:16px;padding:22px;background:#141414}.chcard h4{font-family:var(--sans);font-weight:700;font-size:.95rem;margin-bottom:16px;letter-spacing:0}
.hbr{display:grid;grid-template-columns:78px 1fr 74px;gap:10px;align-items:center;font-size:.82rem;margin:7px 0}
.hl{color:#b9b5ab;font-family:var(--mono);font-size:.74rem}.hv2{text-align:right;font-family:var(--mono);font-size:.78rem}
.ht{height:16px;background:#262626;display:block}.ht i{display:block;height:100%;width:0;background:#8d897f;transition:width 1.1s cubic-bezier(.2,.8,.2,1)}
.in .hbr .ht i,.hbr .ht i.go{width:var(--w)}.hbr.hi .ht i{background:var(--accd)}
.chcard .hbr:first-child .ht i{background:var(--accd)}
.calcnote{font-size:.78rem;color:#b9b5ab;margin:12px 0 0}
.trio.dark{margin-top:8px}
/* scenario cards / wait */
.scen{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.scard{background:#fff;border:2px solid var(--ink);border-radius:16px;padding:22px 20px 16px;box-shadow:5px 5px 0 var(--ink)}
.scard .tg{font-family:var(--mono);font-size:.66rem;text-transform:uppercase;letter-spacing:.08em;color:var(--acc);font-weight:600}
.scard h4{margin:8px 0 12px;font-size:1.05rem}.scard .num{font-size:2.6rem;color:var(--acc);margin-bottom:10px}.scard p{font-size:.88rem;margin:0;color:#333}
.wait{margin-top:64px;border-top:2px solid var(--ink);padding-top:30px}
.waitgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.waitout{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:22px;padding:24px;background:var(--ink);color:#fff;border-radius:16px}
.waitout .num{font-size:clamp(2rem,4.4vw,3.4rem)}.waitout .lbl{color:#b9b5ab;margin:0 0 8px}.waitout .accent{color:var(--accd)}
/* explorer */
.xctl{display:grid;grid-template-columns:repeat(3,1fr);gap:6px 20px}
.xctl label{color:#b9b5ab;font-family:var(--mono);font-size:.7rem;text-transform:uppercase;letter-spacing:.08em}
select,input[type=search]{width:100%;background:#141414;color:#fff;border:1.5px solid #555;border-radius:10px;padding:11px 12px;font:500 .92rem var(--sans);appearance:auto}
select:focus,input[type=search]:focus{outline:3px solid var(--accd);outline-offset:1px}
.xmsg{margin:8px 0 18px}
.xstats{display:grid;grid-template-columns:1fr .8fr 1fr;gap:16px;margin-bottom:20px}
.xs{border:1px solid #3a3a3a;border-radius:16px;padding:22px;background:#141414}
.xs h4{font-size:1.4rem}.xs h4 small{display:block;font-family:var(--sans);font-weight:400;color:#9a968c;font-size:.76rem;letter-spacing:0;margin-top:4px}
.xs .num{font-size:clamp(2.6rem,5vw,4rem);color:#fff;margin:14px 0 4px}.xs .sm{display:block;font-size:.8rem;color:#9a968c}
.xs dl{display:grid;grid-template-columns:1fr auto;gap:6px 12px;margin:16px 0 0;font-size:.84rem}.xs dt{color:#b9b5ab}.xs dd{margin:0;text-align:right;font-family:var(--mono)}
.xdiff{display:flex;flex-direction:column;justify-content:center;text-align:center;border-color:var(--accd)}.xdiff .num.accent{color:var(--accd)}.na{color:#b9b5ab}
.xcharts{display:grid;grid-template-columns:1fr 1fr;gap:16px}.xc{height:340px;border:1px solid #3a3a3a;border-radius:16px;padding:14px;background:#141414}
/* showdown (paper) */
.gapbox{display:grid;grid-template-columns:1.1fr 1fr;gap:48px;align-items:center;border-top:2px solid var(--ink);border-bottom:1px solid var(--line);padding:36px 0}
.gap-label{display:block;color:var(--muted);max-width:440px}
.gap-num{display:block;font-family:var(--serif);font-weight:900;font-size:clamp(3.4rem,9vw,7rem);line-height:1;letter-spacing:-.045em;margin:10px 0;color:var(--acc);font-variant-numeric:tabular-nums}
.gap-sub{display:block;font-size:1rem}
.duel-row{display:grid;grid-template-columns:62px 1fr 104px;align-items:center;gap:12px;margin:12px 0}
.duel-row .tk{font-weight:700;font-size:.85rem;font-family:var(--mono)}.duel-row .v{font-family:var(--mono);font-size:.9rem;text-align:right}
.bar{height:14px;background:#e6e1d4}.bar i{display:block;height:100%;width:0;background:var(--acc);transition:width 1.2s cubic-bezier(.2,.8,.2,1)}.duel-row.tdf .bar i{background:#6d6a62}
.chartcard{border-top:1px solid var(--line);padding:22px 0 0;margin-top:28px;height:420px}
.fair{margin-top:40px;border-top:2px solid var(--ink);padding-top:24px}
.fair-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;font-size:.95rem}
.filters{color:var(--ink)}
/* fees */
.statgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.sg{background:#fff;border:2px solid var(--ink);border-radius:16px;padding:20px;box-shadow:5px 5px 0 var(--ink);font-size:.9rem}.sg .big{font-size:clamp(2rem,3.6vw,3rem);color:var(--acc);margin-bottom:10px}
.calc{display:grid;grid-template-columns:1fr 1.15fr;gap:40px;margin-top:56px;border-top:2px solid var(--ink);padding-top:30px}
.calc label{display:block;font-size:.85rem;font-weight:600;margin:16px 0 4px}.calc output{float:right;font-family:var(--mono);color:var(--acc)}
.presets{font-size:.8rem;color:var(--muted);margin-top:16px;display:flex;flex-wrap:wrap;gap:6px;align-items:center}
.presets button{border:1.5px solid var(--ink);background:#fff;border-radius:999px;padding:4px 11px;font:600 .75rem var(--sans);cursor:pointer}.presets button:hover{background:var(--ink);color:#fff}
.calc-out{background:#fff;border:2px solid var(--ink);border-radius:16px;padding:24px;box-shadow:6px 6px 0 var(--ink)}
.res{display:flex;justify-content:space-between;align-items:baseline;border-bottom:1px dashed var(--ink);padding:10px 0}.res span{color:var(--muted);font-size:.9rem}.res b{font-family:var(--serif);font-size:1.5rem;font-variant-numeric:tabular-nums}
.big-res{flex-wrap:wrap}.big-res b{font-size:2.6rem;color:var(--acc)}.big-res small{width:100%;text-align:right;color:var(--muted)}
.calc-out canvas{margin-top:14px;max-height:240px}
.overdiv{margin-top:72px}.ov-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:16px}
.ov{background:#fff;border:1.5px solid var(--ink);border-radius:14px;padding:18px;font-size:.84rem}.ov .big{font-size:2.4rem;color:var(--acc);margin-bottom:6px}
.revenue,.spiva{margin-top:30px;border-top:2px solid var(--ink);padding-top:24px}
.spiva h4 cite{display:inline;margin-left:10px}
.spiva-bars{display:grid;grid-template-columns:repeat(6,1fr);gap:14px;align-items:end;height:240px;margin-top:20px}
.sb{display:flex;flex-direction:column;justify-content:flex-end;align-items:center;height:100%}
.sb .col{width:70%;max-width:70px;background:var(--acc);height:0;transition:height 1.4s cubic-bezier(.2,.8,.2,1)}
.sb b{font-family:var(--serif);font-size:1.3rem;margin-bottom:6px}.sb span{font-size:.8rem;color:var(--muted);margin-top:8px}
/* checklist / share */
.check{counter-reset:c;list-style:none;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin:30px 0 0}
.check li{counter-increment:c;background:#fff;border:2px solid var(--ink);border-radius:16px;padding:24px;box-shadow:6px 6px 0 var(--ink)}
.check li::before{content:counter(c);display:block;font-family:var(--serif);font-weight:900;font-size:4rem;color:var(--acc);line-height:1;margin-bottom:10px}
.shareblock{margin-top:72px}.cards2{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.sc canvas{width:100%;height:auto;aspect-ratio:16/9;border:2px solid var(--ink);border-radius:12px;box-shadow:5px 5px 0 var(--ink);background:var(--paper)}
.scb{display:flex;gap:10px;align-items:center;margin-top:14px;flex-wrap:wrap}.ok{font-size:.8rem;color:var(--muted)}
/* howto */
.generic{counter-reset:s;list-style:none;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin:0 0 10px}
.generic li{border-top:2px solid var(--ink);padding:14px 0 0;counter-increment:s;font-size:.92rem}
.generic li::before{content:counter(s);display:block;width:max-content;font-family:var(--serif);font-weight:900;font-size:2.2rem;color:var(--acc);line-height:1;margin-bottom:8px}
.providers{display:grid;grid-template-columns:repeat(auto-fill,minmax(330px,1fr));gap:24px;margin-top:26px}
.prov{background:#fff;border:1.5px solid var(--ink);border-radius:16px;padding:24px;box-shadow:5px 5px 0 var(--ink);display:flex;flex-direction:column}
.prov header{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:6px;gap:8px}.prov h4{font-size:1.4rem;margin:0}
.prov .rk{font-family:var(--mono);font-size:.66rem;letter-spacing:.06em;text-transform:uppercase;color:var(--acc);font-weight:600}
.prov .portal{font-size:.82rem;color:var(--muted);margin-bottom:10px}.prov ol{padding-left:20px;margin:6px 0 14px;font-size:.9rem}.prov ol li{margin:5px 0}
.prov .src{margin-top:auto;font-size:.8rem}.prov .src a{font-weight:600}
.prov .tip{font-size:.8rem;border-left:3px solid var(--acc);padding:2px 0 2px 12px;margin-bottom:12px;color:#333}
.intl-h{margin-top:60px}
/* footer */
.foot{padding-top:80px}.method{color:#cfcabd;max-width:900px;font-size:.95rem}
.srclist{columns:2;column-gap:40px;font-size:.78rem;color:#98948a;padding-left:18px;margin:30px 0}.srclist li{break-inside:avoid;margin-bottom:8px}.srclist a{color:#fff;word-break:break-all}
.disclaimer{border:1px solid #666;padding:18px 20px;color:#eee;font-size:.9rem}
.footbar{display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;margin-top:40px;padding-top:20px;border-top:1px solid #333;font-size:.8rem;color:#98948a}.footbar a{color:#fff}
.black h2{color:#fff}
/* reveal */
.reveal{opacity:0;transform:translateY(18px);transition:opacity .8s ease,transform .8s cubic-bezier(.2,.8,.2,1)}.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}html{scroll-behavior:auto}.mq-track{animation:none}.ht i{transition:none}}
:focus-visible{outline:3px solid var(--acc);outline-offset:2px}.black :focus-visible{outline-color:var(--accd)}
/* responsive */
@media (max-width:1060px){.cards{grid-template-columns:repeat(3,1fr)}.ov-grid{grid-template-columns:repeat(3,1fr)}.statgrid,.scen{grid-template-columns:repeat(2,1fr)}.generic{grid-template-columns:repeat(2,1fr)}.links a{margin-left:12px}}
@media (max-width:860px){.links{display:none}.links.open{display:flex;flex-direction:column;position:absolute;top:60px;left:0;right:0;background:var(--paper);border-bottom:1px solid var(--ink);padding:12px 24px}.links.open a{margin:10px 0}.menu{display:block}.navcta{display:none}.brand{margin-right:auto}
.hero{padding:56px 0 44px}.pullstats,.trio,.myths,.bigrow,.check,.waitgrid,.waitout,.chartgrid,.xcharts,.cards2,.xstats,.xctl{grid-template-columns:1fr}.pull{border-right:0;border-bottom:1px solid var(--line);padding:18px 0}.pull+.pull{padding-left:0}
.split{grid-template-columns:1fr}.receipt-wrap{grid-template-columns:1fr;gap:32px}.receipt{max-width:340px;margin:0 auto}.gapbox{grid-template-columns:1fr;gap:20px}.fair-grid{grid-template-columns:1fr}.calc{grid-template-columns:1fr}.chartcard{height:320px}.srclist{columns:1}.section{padding:64px 0}.hv-foot{grid-template-columns:1fr}.hv{padding:18px;box-shadow:5px 5px 0 var(--acc)}}
@media (max-width:560px){.cards{grid-template-columns:1fr 1fr;gap:10px}.card{padding:14px 12px}.card .big{font-size:1.9rem}.card .nm{font-size:.92rem}.card .meta{flex-direction:column;gap:2px}.card:last-child{grid-column:span 2}.gap-num{font-size:3.2rem}.duel-row{grid-template-columns:52px 1fr 86px}.ov-grid{grid-template-columns:repeat(2,1fr)}.statgrid,.scen,.generic{grid-template-columns:1fr}.spiva-bars{height:200px;gap:6px}.sb b{font-size:1rem}.providers{grid-template-columns:1fr}.wrap{padding:0 18px}.seg button,.filters button{padding:7px 11px;font-size:.8rem}
.hv-row{grid-template-columns:78px 1fr 92px;gap:8px;font-size:.78rem}.hv-row .nm span{display:block}.warn{display:inline-block;margin:2px 0 0}.hv-row .v i{display:block;margin:2px 0 0}.hbr{grid-template-columns:62px 1fr 64px}.saver{padding:22px 18px}.xc{height:300px}}
.calc>div{min-width:0}.presets button{white-space:nowrap}
/* v4: top-ten table + world */
.hv-head,.hv-row{grid-template-columns:200px 1fr 90px 110px 90px}
.hv-head{display:grid;gap:12px;font-family:var(--mono);font-size:.64rem;text-transform:uppercase;letter-spacing:.06em;color:#9a968c;padding-bottom:6px;border-bottom:1px solid #333;margin-bottom:8px}.hv-head .r{text-align:right}
.hv-row .nm small{display:block;color:#7d796f;font-size:.66rem;margin-top:1px}.hv-row .nm span{margin-right:4px}
.hv-row .v{font-size:.8rem}.hv-row .v.c{color:var(--accd);font-weight:600}
.hv-foot{grid-template-columns:repeat(3,1fr)}
.hv-row .tr{height:22px}
.hv.light{background:#fff;border-color:var(--ink);box-shadow:8px 8px 0 var(--ink);color:var(--ink)}
.wl-row{display:grid;grid-template-columns:230px 1fr 130px 100px;gap:12px;align-items:center;font-size:.86rem;padding:6px 0;border-bottom:1px solid var(--line)}
.wl-row .nm b{display:block;font-weight:700}.wl-row .nm span{font-family:var(--mono);font-size:.68rem;color:var(--muted)}
.wl-row .tr{position:relative;height:22px;background:#f1ede4;display:flex;align-items:center}.wl-row .tr i{display:block;height:100%;background:#111;transition:width .8s}.wl-row .tr i.acc{background:var(--acc)}.wl-row .tr i.neg{background:#999;background-image:repeating-linear-gradient(45deg,transparent 0 4px,rgba(255,255,255,.5) 4px 8px)}
.wl-row .np{font-family:var(--mono);font-size:.72rem;color:var(--muted);padding-left:10px;font-style:italic}
.wl-row .v{text-align:right;font-family:var(--mono);font-size:.8rem}.wl-row .v small{display:block;color:var(--muted);font-size:.66rem}
.wl-row.ctx{opacity:.8}
.hv.light .fine{color:var(--muted)}
@media (max-width:860px){.hv-foot{grid-template-columns:1fr}.hv-head{display:none}.hv-row{grid-template-columns:96px 1fr 76px;grid-template-areas:"nm tr c" "nm d e";row-gap:4px}.hv-row .nm{grid-area:nm}.hv-row .tr{grid-area:tr}.hv-row .c{grid-area:c}.hv-row .d{grid-area:d;text-align:left}.hv-row .e{grid-area:e}.hv-row .d::before{content:"→ ";color:#7d796f}.hv-row .e::before{content:"fees ";color:#7d796f;font-size:.62rem}
.wl-row{grid-template-columns:110px 1fr 84px}.wl-row .d{display:none}.wl-row .nm b{font-size:.78rem}}
/* v5 core message */
#heroH1{font-size:clamp(2.3rem,6.2vw,5.4rem);line-height:1.0}
.hero .lede{max-width:820px}
.formula{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:34px 0 20px}
.fm{background:#fff;border:2px solid var(--ink);box-shadow:6px 6px 0 var(--ink);padding:16px 16px 12px}
.fk{display:block;font-family:var(--mono);font-size:.68rem;text-transform:uppercase;letter-spacing:.07em;color:var(--muted);margin-bottom:10px}
.fx{display:flex;align-items:flex-end;gap:8px;flex-wrap:wrap}
.fx span{display:flex;flex-direction:column}.fx b{font-family:var(--serif,Fraunces,serif);font-size:clamp(1.5rem,3vw,2.4rem);line-height:1;font-weight:800}
.fx i{font-style:normal;font-family:var(--mono);font-size:.58rem;text-transform:uppercase;letter-spacing:.04em;color:var(--muted);margin-top:4px}
.fx em{font-style:normal;font-size:1.6rem;font-weight:700;padding-bottom:16px}
.fx .tr b{color:var(--acc)}
.fm small{display:block;margin-top:10px;font-size:.72rem;color:var(--muted);line-height:1.4}
.change{display:grid;grid-template-columns:1.1fr 1.4fr auto;gap:24px;align-items:center;background:var(--ink);color:#fff;padding:22px 26px;margin:0 0 8px}
.change .fk{color:#bdb8ad}.change p{font-size:.95rem;line-height:1.45;margin:0}
.cb{display:grid;grid-template-columns:150px 1fr 90px;gap:10px;align-items:center;font-size:.76rem;margin:5px 0}.cb .tr{height:20px;background:#2b2b2b}.cb .tr i{display:block;height:100%;background:#8a867c}.cb .tr i.acc{background:#FF5A36}.cb b{font-family:var(--mono);font-size:.8rem;text-align:right}
.ch-r{text-align:right}.ch-r b{display:block;font-family:var(--serif,Fraunces,serif);font-size:clamp(2.4rem,5vw,4rem);color:#FF5A36;line-height:1}.ch-r span{font-size:.78rem;color:#ddd}
.hero-fine{max-width:980px;margin:6px 0 24px}
@media (max-width:860px){.formula{grid-template-columns:1fr}.change{grid-template-columns:1fr;gap:14px}.cb{grid-template-columns:110px 1fr 78px}.ch-r{text-align:left}}
.fx{flex-wrap:nowrap;gap:6px}.fx b{font-size:clamp(1.15rem,2.1vw,1.9rem);white-space:nowrap}.fx em{font-size:1.2rem;padding-bottom:14px}.fm{min-width:0}
@media (max-width:860px){.fx b{font-size:1.7rem}}

#heroH1{font-size:clamp(1.9rem,4.5vw,3.9rem);line-height:1.04}
.change.pay{margin-bottom:12px;background:#111}.change.pay .ch-r b{font-size:clamp(2.8rem,6vw,4.6rem)}
.change.small{background:#2a2a2a;padding:14px 22px}.change.small .ch-r b{font-size:clamp(1.8rem,3.4vw,2.6rem)}

/* switch */
.sw-seg{margin:18px 0 22px}
.sw-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.sw-main{border:2px solid #fff;padding:22px 24px}.sw-main.alt{border-color:#555}
.sw-main .fk{color:#bdb8ad}.sw-num{display:block;font-family:var(--serif,Fraunces,serif);font-weight:800;font-size:clamp(2.2rem,5vw,4.4rem);line-height:1;color:#FF5A36;margin:6px 0 12px}
.sw-main.alt .sw-num{color:#fff;font-size:clamp(1.6rem,3.2vw,2.8rem)}
.sw-main p{margin:0 0 8px;font-size:.92rem;line-height:1.5;color:#e6e2d8}.sw-main .sw-per{font-family:var(--mono);font-size:.78rem;color:#bdb8ad}
.sw-table{margin:22px 0 10px;font-size:.82rem}
.sw-row{display:grid;grid-template-columns:1.3fr 2fr 1.1fr .9fr;gap:12px;padding:8px 0;border-bottom:1px solid #333;color:#ddd}
.sw-row.head{font-family:var(--mono);font-size:.64rem;text-transform:uppercase;letter-spacing:.06em;color:#9a968c}
.sw-row .f{font-family:var(--mono);font-size:.72rem;color:#aaa}.sw-row .v{font-weight:700;color:#fff}
.black .hero-method{color:#bdb8ad}
@media (max-width:860px){.sw-grid{grid-template-columns:1fr}.sw-row{grid-template-columns:1fr 1fr;gap:4px 12px}.sw-row.head{display:none}.sw-row .f{grid-column:1/-1;order:3}}
/* true-return update: sizing only */
#heroH1{font-size:clamp(1.55rem,3.7vw,3.3rem);line-height:1.08}
.pull .num.f{font-size:clamp(1.5rem,2.6vw,2.2rem);line-height:1.15}.pull .num.f{color:var(--ink)}.pull:first-child .num.f{color:var(--acc)}
.hv-row .v small{display:block;font-size:.62rem;color:#7d796f;font-weight:400;margin-top:1px}
.ch-bars .cb b{white-space:nowrap}
.fm .fx{gap:6px}.fm .fx b{font-size:clamp(1.25rem,2vw,1.85rem)}.fm .fx .tr b{font-size:clamp(1.35rem,2.2vw,2rem)}
@media (max-width:860px){.fm .fx b{font-size:1.45rem}.fm .fx .tr b{font-size:1.55rem}}
@media (min-width:861px){.fm .fx b,.fm .fx .tr b{font-size:clamp(1.1rem,1.75vw,1.65rem)}.fm .fx{gap:4px}}