@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;450;500;550;600;650;700&family=Manrope:wght@400;500;600;650;700;750;800&display=swap');
:root{--ink:#193d32;--muted:#626c64;--cream:#f6f6ee;--paper:#fff;--line:#dce2d8;--lime:#d6eb9b;--green:#163f32}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:100px}body{margin:0;color:var(--ink);background:#fafbf7;font:15px/1.65 'DM Sans',Arial,sans-serif}button,input,select{font:inherit}button,a,input,select,summary{-webkit-tap-highlight-color:transparent}a{color:inherit;text-decoration:none}a:hover{text-decoration:underline}button{cursor:pointer}button:disabled{cursor:not-allowed;opacity:.5}button:focus-visible,a:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid #7b9b44;outline-offset:4px}h1,h2,h3{font-family:'Manrope','DM Sans',Arial,sans-serif;line-height:1.18;letter-spacing:-.045em;font-weight:600}h1{font-size:clamp(40px,4.7vw,67px);margin:20px 0 25px}h2{font-size:clamp(29px,3vw,43px);margin:12px 0 20px}h3{font-size:23px;margin:10px 0 15px}p{margin:0 0 18px}.wrap{max-width:1240px;width:calc(100% - 112px);margin:0 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summary:after{content:'+';font-size:20px;line-height:1}.faq details[open] summary:after{content:'−'}.faq details p{font-size:12px;color:var(--muted);margin:15px 30px 4px 0}footer{padding:42px 0 38px;border-top:1px solid #dce2d8;background:#f0f2e9}.foot-top{display:flex;align-items:center;justify-content:space-between}.foot-top p{font-size:12px;margin:0}.footlinks{display:flex;gap:24px;flex-wrap:wrap;margin:30px 0 22px;font-size:11px}.foot-top .brand{font-size:20px}footer .fine{font-size:10px;max-width:960px;margin-bottom:10px}.comparebar{position:fixed;bottom:18px;left:50%;transform:translateX(-50%);background:var(--green);color:white;z-index:50;border-radius:10px;box-shadow:0 9px 45px #163f3250;padding:13px 20px;display:flex;align-items:center;gap:20px;font-size:12px;max-width:95vw}.comparebar[hidden]{display:none}.comparebar button{padding:8px 14px;border:0;border-radius:5px;background:var(--lime);color:var(--green);font-size:12px;white-space:nowrap}.comparebar 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a{text-decoration:underline}.detail-page{padding-top:50px;padding-bottom:80px}.back{display:block;font-size:12px;color:#748065;margin-bottom:30px}.detail-page>.eyebrow{margin-top:20px}.detail-page h1{max-width:850px}.detail-page>.lead{max-width:800px}.detail-grid{display:grid;grid-template-columns:1.4fr 1fr;gap:70px;margin:38px 0}.detail-grid h2{font-size:26px;letter-spacing:-.03em}.detail-grid p{color:#596751;font-size:14px}.caution{background:#f4f1e4;border:1px solid #e3dfcc;border-radius:9px;padding:25px;margin-bottom:32px}.caution p:last-child{margin-bottom:0}.facts{padding:28px;background:white;border:1px solid var(--line);border-radius:10px;align-self:start}.facts dl>div{padding:12px 0;border-top:1px solid var(--line)}.facts dt{font-size:10px;color:var(--muted)}.facts dd{font-size:14px;margin:5px 0 0;font-weight:550}.facts .btn{width:100%;margin:20px 0 10px}.facts .fine{font-size:11px}.article{max-width:800px;padding-top:60px;padding-bottom:80px}.article h1{font-size:48px}.article h2{font-size:26px;margin:35px 0 13px}.article p{font-size:15px;line-height:1.95;color:#53604c}.article a:not(.btn){text-decoration:underline}.article .btn{margin-top:25px}[hidden]{display:none!important}
@media(min-width:1500px){.hero h1{font-size:69px}.hero{padding:90px 0 100px}}@media(max-width:1050px){.wrap{width:calc(100% - 56px)}.nav-small{display:none}.hero-grid{gap:15px}.hero-visual{transform:scale(.88);transform-origin:right center}.hero h1{font-size:49px}.cards{gap:13px}.offer{padding:20px 17px}.filters{gap:9px;padding:15px}.calc-grid{gap:45px}.faq{gap:50px}}@media(max-width:760px){.wrap{width:calc(100% - 36px)}.nav{height:74px}.brand{font-size:21px}.brand-icon{width:30px;height:30px}nav{gap:15px;font-size:10px}nav a:last-child{display:none}.hero{padding:43px 0 48px}.hero-grid{grid-template-columns:1fr;gap:20px}.hero h1{font-size:48px;max-width:600px}.hero .lead{font-size:14px}.hero-visual{transform:scale(.9);transform-origin:center;min-height:395px;margin-top:8px}.floating-note{right:15px}.hero-notes{flex-wrap:wrap;gap:12px}.principles .wrap{font-size:9px;gap:10px;padding:17px 0}.principles b{display:block;margin-bottom:4px}.section{padding-top:50px;padding-bottom:45px}.section-heading{display:block}.section-heading>p{margin-top:20px;max-width:100%}.section-heading>.textlink{display:block;margin-top:16px}.filters{grid-template-columns:1fr 1fr;gap:12px}.reset{justify-self:start}.tabs{gap:7px}.tabs button{font-size:10px;padding:8px 12px}.results{flex-direction:column;gap:6px}.cards{grid-template-columns:1fr 1fr}.card-intro{min-height:100px}.offer dl>div{display:block}.offer dd{text-align:left;margin-top:5px}.calc-grid{grid-template-columns:1fr;gap:28px}.calculator-section{padding:50px 0}.calc-grid h2{font-size:34px}.guides{grid-template-columns:1fr;gap:28px}.guide h3{font-size:24px}.guide-arrow{align-self:flex-end;margin-top:-30px}.guide p{padding-right:30px}.faq{grid-template-columns:1fr;gap:12px}.foot-top{display:block}.foot-top p{margin-top:13px}.footlinks{gap:16px}.comparebar{gap:10px;padding:11px 13px;font-size:10px}.comparebar button{font-size:10px;padding:8px}.detail-grid{grid-template-columns:1fr;gap:30px}.facts{grid-row:1}.article h1{font-size:38px}.article{padding-top:42px}.detail-page h1{font-size:42px}.dialog-head h2{font-size:23px}dialog{padding:20px}.hero .eyebrow{font-size:9px}}@media(max-width:440px){.cards{grid-template-columns:1fr}.offer{padding:24px}.card-intro{min-height:0}.offer dl>div{display:flex}.offer dd{text-align:right;margin:0}.hero h1{font-size:42px}.hero-visual{transform:scale(.82);margin-left:-20px;margin-right:-20px;min-height:370px}.calc-panel{padding:20px}.calc-inputs{gap:12px}.calc-inputs label{font-size:9px}.tabs{gap:5px}.nav{gap:10px}.nav nav{gap:13px}.brand{font-size:19px}.us{margin-left:0}.brand-icon{display:none}.filter-note{font-size:9px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}

/* Research-led editorial views */
.quick-answer{padding:24px 28px;background:#eef3e4;border:1px solid #dbe3cc;border-radius:9px;margin:24px 0}.quick-answer p{font-size:16px;line-height:1.85;margin:8px 0 0;color:#344d32}.byline,.source-note{font-size:11px!important;color:#6f7a65!important;line-height:1.8}.byline a,.source-note a{text-decoration:underline}.detail-grid h3{font-size:19px;letter-spacing:-.02em}.detail-grid ul{padding-left:22px;color:#596751;font-size:14px;line-height:1.9}.detail-grid li{margin-bottom:9px}.detail-grid .facts{position:sticky;top:24px}.table-scroll{overflow-x:auto;width:100%;margin:20px 0}.table-scroll table{margin:0}.source-table td{font-size:11px;line-height:1.8}.source-table th,.source-table td{min-width:145px;padding:12px}.provider-faq details{border-bottom:1px solid var(--line);padding:15px 0}.provider-faq summary{font-size:14px;cursor:pointer;font-weight:600}.provider-faq p{margin:12px 0 0}.related{display:flex;flex-wrap:wrap;gap:20px;padding-top:15px;font-size:12px;text-decoration:underline}.next-step{max-width:850px;border-top:1px solid var(--line);padding-top:28px;margin-top:20px}.next-step h2{font-size:29px}.next-step .disclosure{max-width:740px}.article ul{color:#53604c;line-height:1.9}.article li{margin-bottom:9px}.article .quick-answer p{font-size:16px}.article .table-scroll{margin:25px 0}.article table th,.article table td{min-width:135px;padding:13px;font-size:12px}.footlinks{gap:16px 24px}
@media(max-width:760px){.detail-grid .facts{position:static;grid-row:auto}.quick-answer{padding:20px}.quick-answer p{font-size:14px}.detail-grid{gap:24px}.detail-page h1{font-size:36px}.article .quick-answer p{font-size:14px}.source-table th,.source-table td{min-width:130px}.detail-grid .facts{max-width:100%}}
/* Editorial photography and a clearer comparison path */
.editorial-photo{margin:28px 0}.editorial-photo img{display:block;width:100%;height:340px;object-fit:cover;border-radius:11px;background:#e7ebdf}.editorial-photo figcaption{font-size:9px;line-height:1.7;color:#76806a;margin-top:8px}.editorial-photo figcaption a{text-decoration:underline;text-underline-offset:2px}.photo-hero{min-height:420px;transform:none}.hero-photo{width:100%;margin:0;position:relative;transform:rotate(2deg)}.hero-photo img{height:390px;box-shadow:0 15px 45px #163f3217;border:7px solid #fff}.hero-photo figcaption{font-size:8px;text-align:right}.photo-note{position:absolute;bottom:4px;left:-18px;display:flex;align-items:center;gap:12px;background:var(--green);color:#f2f5e7;padding:20px 25px;border-radius:8px;box-shadow:0 14px 30px #163f321a;transform:rotate(-2deg)}.photo-note .tick{background:var(--lime);width:28px;height:28px}.photo-note strong{display:block;font-size:13px}.photo-note small{display:block;font-size:10px;color:#d5dfc9;margin-top:3px}.guide-photo{width:100%;height:180px;object-fit:cover;border-radius:8px;margin:0 0 20px;background:#ebeee4}.guide{padding-top:0;border-top:none}.guide .eyebrow{color:#70805b}.guide h3{margin-top:10px}.article-photo img{height:300px}.provider-photo{max-width:100%;margin:30px 0 15px}.provider-photo img{height:265px}.provider-photo figcaption{max-width:850px}.confirmed-filter{display:flex;align-items:center;gap:8px;color:#54644a;font-size:11px;margin:14px 0 0;font-weight:400}.confirmed-filter input{accent-color:var(--green)}
@media(max-width:1050px){.photo-hero{transform:none}.hero-photo img{height:350px}.photo-note{left:-8px;padding:17px 19px}.guide-photo{height:150px}}
@media(max-width:760px){.hero-grid{gap:28px}.photo-hero{min-height:330px;margin:0 0 5px;transform:none}.hero-photo{transform:rotate(1deg);margin:0;width:100%}.hero-photo img{height:295px}.photo-note{bottom:0;left:8px;padding:15px 19px}.guide-photo{height:230px}.article-photo img{height:240px}.provider-photo img{height:200px}.confirmed-filter{align-items:start;font-size:10px}.confirmed-filter input{margin-top:5px}}
@media(max-width:440px){.photo-hero{margin:0;min-height:300px}.hero-photo img{height:265px}.photo-note{left:0;bottom:-4px}.photo-note strong{font-size:12px}.guide-photo{height:190px}.article-photo img{height:210px}}

/* Editorial card photos: illustrations, not provider logos or endorsements. */
.offer{overflow:hidden}.offer-photo{height:156px;position:relative;margin:-27px -27px 22px;background:#e8eddf;overflow:hidden}.offer-photo img{display:block;width:100%;height:100%;object-fit:cover;transition:transform .3s ease}.offer:hover .offer-photo img{transform:scale(1.035)}.photo-label{position:absolute;bottom:10px;left:12px;padding:3px 8px;border-radius:20px;background:#163f32d9;color:#fff;font-size:9px;letter-spacing:.02em;line-height:1.6}.offer[data-id="9264"] .offer-photo img,.offer[data-id="8686"] .offer-photo img{object-position:center 44%}@media(max-width:1050px){.offer-photo{margin:-20px -17px 20px;height:145px}}@media(max-width:440px){.offer-photo{margin:-24px -24px 22px;height:180px}}@media(prefers-reduced-motion:reduce){.offer-photo img{transition:none}}

.cluster-links{display:flex;flex-wrap:wrap;gap:9px;margin:20px 0 30px;font-size:12px}.cluster-links a{padding:8px 12px;border:1px solid #ccd8bf;border-radius:24px;background:#eff4e7;text-decoration:none!important}.resource-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.resource-grid>a{display:block;padding:24px;border:1px solid var(--line);border-radius:12px;background:white}.resource-grid h3{font-size:22px}.resource-grid p{font-size:13px;color:var(--muted)}.cluster-article{max-width:1040px}.cluster-article>.quick-answer{font-size:17px}.cluster-article .table-scroll{overflow:auto}.cluster-article table{font-size:13px}.cluster-article td{min-width:165px}.cluster-article .dedicated-tool{padding:25px;border-radius:16px;margin:30px 0}.dedicated-tool .calc-grid{grid-template-columns:1fr;gap:12px}.dedicated-tool h2{margin-top:8px}.dedicated-tool .calc-panel{width:100%}.calculation-detail details{border:1px solid var(--line);border-radius:10px;padding:15px}.calculation-detail summary{cursor:pointer;font-weight:600}.calculation-detail #amortization{max-height:430px}.cluster-article li{margin-bottom:10px}.cluster-article .source-note{font-size:12px}@media(max-width:760px){.resource-grid{grid-template-columns:1fr}.cluster-article .dedicated-tool{padding:16px}.cluster-links{font-size:11px}.cluster-article h1{font-size:36px}}

.topic-group{padding:18px 0;border-top:1px solid var(--line)}.topic-group>summary{font-family:Manrope,Arial,sans-serif;font-size:23px;cursor:pointer;font-weight:600}.topic-group .cluster-links{margin-bottom:6px}.article-copy p{max-width:850px}.article-copy h2{max-width:900px}.article-copy table{margin:20px 0}.article-copy li{margin-bottom:9px}.topic-library h2{max-width:700px}

.cluster-article>.eyebrow{font-size:10px;line-height:1.7;margin-bottom:16px}