:root {
  --snow: #f7f9f5;
  --white: #ffffff;
  --ink: #162527;
  --muted: #5d6967;
  --forest: #1f5547;
  --forest-dark: #143b33;
  --cobalt: #214fa3;
  --cobalt-dark: #173b7b;
  --brass: #b08a43;
  --mist: #dce5df;
  --line: #c9d3cd;
  --pale-blue: #edf2fb;
  --danger: #9c3b34;
  --shadow: 0 20px 50px rgba(22, 37, 39, .10);
  --shell: min(1440px, calc(100vw - 64px));
  --content: 760px;
  color-scheme: light;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--snow);
  color: var(--ink);
  font-family: Aptos, "Segoe UI", Arial, sans-serif;
  font-size: 17px;
  line-height: 1.65;
  letter-spacing: 0;
  -webkit-font-smoothing: antialiased;
}
body.menu-open { overflow: hidden; }
img { display: block; max-width: 100%; height: auto; }
a { color: inherit; text-decoration-thickness: 1px; text-underline-offset: 4px; }
button, input, select, textarea { font: inherit; letter-spacing: 0; }
button, a { -webkit-tap-highlight-color: transparent; }
h1, h2, h3, h4, p { margin-top: 0; }
h1, h2, h3, h4 { line-height: 1.08; letter-spacing: 0; }
h1 { font-size: clamp(2.35rem, 4.6vw, 4.4rem); max-width: 16ch; }
h2 { font-size: clamp(2rem, 3.3vw, 3.25rem); max-width: 18ch; }
h3 { font-size: 1.25rem; }
::selection { background: var(--brass); color: var(--ink); }
:focus-visible { outline: 3px solid var(--brass); outline-offset: 3px; }

.screen-reader-text, .hp-field {
  position: absolute !important;
  width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0, 0, 0, 0); white-space: nowrap; border: 0;
}
.skip-link { position: fixed; left: 16px; top: 16px; z-index: 999; padding: 12px 18px; background: var(--ink); color: white; transform: translateY(-150%); }
.skip-link:focus { transform: translateY(0); }
.shell { width: var(--shell); margin-inline: auto; }
.icon { width: 1.2em; height: 1.2em; flex: 0 0 auto; }
.register-label { margin-bottom: 12px; color: var(--cobalt); font-size: .74rem; font-weight: 800; letter-spacing: .11em; text-transform: uppercase; }
.button {
  min-height: 46px; display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  padding: 11px 18px; border: 1px solid var(--ink); border-radius: 4px; background: transparent;
  color: var(--ink); font-size: .9rem; font-weight: 750; text-decoration: none; cursor: pointer;
}
.button:hover { background: var(--ink); color: white; }
.button--cobalt { border-color: var(--cobalt); background: var(--cobalt); color: white; }
.button--cobalt:hover { background: var(--cobalt-dark); }
.button--small { min-height: 40px; padding: 8px 14px; }
.text-link { display: inline-flex; align-items: center; gap: 8px; color: var(--cobalt); font-weight: 750; }

.site-header { position: sticky; top: 0; z-index: 80; border-bottom: 1px solid var(--line); background: rgba(247, 249, 245, .96); backdrop-filter: blur(16px); }
.site-header__inner { width: var(--shell); min-height: 72px; margin: auto; display: grid; grid-template-columns: 250px 1fr auto; align-items: center; gap: 28px; }
.wordmark { display: flex; align-items: baseline; gap: 5px; font-size: .98rem; text-decoration: none; white-space: nowrap; }
.wordmark span { color: var(--muted); }
.wordmark strong { color: var(--forest); font-size: 1.17rem; }
.wordmark small { color: var(--cobalt); font-weight: 800; }
.site-nav .menu { display: flex; justify-content: center; gap: 25px; margin: 0; padding: 0; list-style: none; }
.site-nav a { position: relative; color: var(--ink); font-size: .88rem; font-weight: 700; text-decoration: none; }
.site-nav a::after { position: absolute; left: 0; right: 100%; bottom: -9px; height: 2px; background: var(--cobalt); content: ""; transition: right .2s ease; }
.site-nav a:hover::after, .site-nav .current-menu-item a::after { right: 0; }
.header-actions { display: flex; align-items: center; gap: 9px; }
.header-search, .menu-toggle { width: 42px; height: 42px; display: inline-grid; place-items: center; border: 0; border-radius: 2px; background: transparent; color: var(--ink); }
.header-search:hover, .menu-toggle:hover { background: var(--mist); }
.menu-toggle { display: none; }
.menu-close-icon { display: none; }

.ledger-hero { position: relative; border-bottom: 1px solid var(--ink); background: var(--white); overflow: hidden; }
.ledger-hero::before { position: absolute; inset: 0; pointer-events: none; content: ""; background-image: linear-gradient(to bottom, transparent 35px, rgba(31, 85, 71, .08) 36px); background-size: 100% 36px; }
.ledger-shell { position: relative; width: var(--shell); margin: auto; display: grid; grid-template-columns: 84px minmax(0, 1fr); border-inline: 1px solid var(--line); }
.vertical-index { padding: 30px 0; border-right: 1px solid var(--ink); display: flex; flex-direction: column; align-items: center; gap: 24px; background: var(--forest); color: white; }
.vertical-index span { writing-mode: vertical-rl; transform: rotate(180deg); font-size: .72rem; font-weight: 800; letter-spacing: .16em; text-transform: uppercase; }
.vertical-index strong { margin-top: auto; color: var(--brass); font-size: 1.2rem; font-variant-numeric: tabular-nums; }
.hero-workspace { padding: 42px 40px 52px; }
.hero-status { display: flex; justify-content: space-between; gap: 24px; margin-bottom: 22px; padding-bottom: 12px; border-bottom: 1px solid var(--line); color: var(--muted); font-size: .76rem; font-weight: 700; text-transform: uppercase; }
.hero-title-row { display: grid; grid-template-columns: minmax(0, 1.15fr) minmax(280px, .85fr); gap: 44px; align-items: end; margin-bottom: 30px; }
.hero-title-row h1 { margin-bottom: 12px; font-family: Aptos, "Segoe UI", Arial, sans-serif; font-weight: 800; }
.hero-title-row h1 em { color: var(--forest); font-style: normal; }
.hero-title-row p { max-width: 54ch; margin-bottom: 0; color: var(--muted); }
.hero-signal { display: grid; grid-template-columns: repeat(3, 1fr); border: 1px solid var(--line); background: var(--snow); }
.hero-signal div { min-width: 0; padding: 15px; border-right: 1px solid var(--line); }
.hero-signal div:last-child { border-right: 0; }
.hero-signal span { display: block; margin-bottom: 5px; color: var(--muted); font-size: .68rem; text-transform: uppercase; }
.hero-signal strong { font-size: 1.05rem; font-variant-numeric: tabular-nums; }

.interest-calculator { position: relative; }
.calculator-register { display: grid; grid-template-columns: 44px minmax(0, 1.25fr) minmax(330px, .75fr); border: 1px solid var(--ink); background: var(--white); box-shadow: var(--shadow); }
.calculator-register__index { display: flex; flex-direction: column; align-items: center; gap: 24px; padding: 18px 0; border-right: 1px solid var(--ink); background: var(--cobalt); color: white; }
.calculator-register__index span { writing-mode: vertical-rl; transform: rotate(180deg); font-size: .68rem; font-weight: 800; letter-spacing: .12em; }
.calculator-inputs { padding: 24px 26px 27px; }
.calculator-heading { display: grid; grid-template-columns: minmax(0, 1fr) minmax(220px, .8fr); column-gap: 28px; margin-bottom: 20px; padding-bottom: 17px; border-bottom: 1px solid var(--line); }
.calculator-heading .register-label { grid-column: 1 / -1; }
.calculator-heading h2 { margin-bottom: 0; font-size: clamp(1.55rem, 2.1vw, 2.25rem); }
.calculator-heading > p:last-child { margin: 0; color: var(--muted); font-size: .88rem; line-height: 1.5; }
.field-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 17px; }
label { display: block; font-size: .82rem; font-weight: 750; }
label > span:first-child { display: block; margin-bottom: 7px; color: var(--muted); }
input, select, textarea { width: 100%; min-height: 48px; border: 1px solid #9eaaa5; border-radius: 3px; background: white; color: var(--ink); }
input, select { padding: 10px 12px; }
textarea { padding: 12px; resize: vertical; }
.field-unit { display: grid; grid-template-columns: 1fr auto; align-items: center; border: 1px solid #9eaaa5; border-radius: 3px; background: white; }
.field-unit input { min-width: 0; border: 0; font-size: 1.03rem; font-variant-numeric: tabular-nums; }
.field-unit b { padding: 0 11px; color: var(--forest); font-size: .72rem; }
.calculator-output { padding: 24px 27px; background: var(--forest-dark); color: white; }
.output-stamp { margin-bottom: 22px; color: #b8cbc4; font-size: .69rem; font-weight: 700; text-transform: uppercase; }
.primary-result { padding-bottom: 22px; border-bottom: 1px solid rgba(255,255,255,.25); }
.primary-result span { display: block; color: #c9d7d2; font-size: .8rem; }
.primary-result strong { display: block; overflow-wrap: anywhere; font-size: clamp(2.1rem, 3.6vw, 3.6rem); line-height: 1.05; font-variant-numeric: tabular-nums; }
.result-ledger { margin: 0; }
.result-ledger div { display: grid; grid-template-columns: 1fr auto; gap: 16px; padding: 12px 0; border-bottom: 1px solid rgba(255,255,255,.18); }
.result-ledger dt { color: #c9d7d2; font-size: .78rem; }
.result-ledger dd { margin: 0; font-size: .9rem; font-weight: 800; font-variant-numeric: tabular-nums; }
.result-scale { height: 5px; margin: 22px 0; background: rgba(255,255,255,.18); }
.result-scale span { display: block; width: 0; height: 100%; background: var(--brass); transition: width .25s ease; }
.result-note { color: #cfdbd7; font-size: .74rem; line-height: 1.5; }
.calculator-output .text-link { color: white; font-size: .78rem; }

.register-section { padding: 84px 0; border-bottom: 1px solid var(--line); }
.register-section--white { background: white; }
.section-ledger-head { display: grid; grid-template-columns: 160px minmax(0, 1fr) minmax(240px, .65fr); gap: 30px; align-items: start; margin-bottom: 42px; padding-top: 14px; border-top: 2px solid var(--ink); }
.section-number { color: var(--cobalt); font-size: 1.15rem; font-weight: 800; font-variant-numeric: tabular-nums; }
.section-ledger-head h2 { margin-bottom: 0; }
.section-ledger-head > p { color: var(--muted); }
.comparison-ledger { display: grid; grid-template-columns: 170px 1fr 1fr; border: 1px solid var(--ink); background: white; }
.comparison-ledger > div { padding: 22px; border-right: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.comparison-ledger > div:nth-child(3n) { border-right: 0; }
.comparison-ledger > div:nth-last-child(-n+3) { border-bottom: 0; }
.comparison-ledger .row-label { background: var(--snow); color: var(--muted); font-size: .74rem; font-weight: 800; text-transform: uppercase; }
.comparison-ledger .column-head { background: var(--cobalt); color: white; }
.comparison-ledger .column-head:nth-child(3) { background: var(--forest); }
.comparison-ledger strong { display: block; font-size: 1.12rem; }
.comparison-ledger small { color: var(--muted); }
.condition-strip { display: grid; grid-template-columns: repeat(4, 1fr); border-block: 1px solid var(--ink); }
.condition-item { position: relative; min-height: 220px; padding: 24px; border-right: 1px solid var(--ink); background: white; }
.condition-item:last-child { border-right: 0; }
.condition-item::before { display: block; width: 26px; height: 4px; margin-bottom: 40px; background: var(--brass); content: ""; }
.condition-item:nth-child(2)::before { background: var(--cobalt); }
.condition-item:nth-child(3)::before { background: var(--forest); }
.condition-item h3 { max-width: 12ch; }
.condition-item p { margin-bottom: 0; color: var(--muted); font-size: .9rem; }

.safety-layout { display: grid; grid-template-columns: minmax(0, .8fr) minmax(0, 1.2fr); gap: 60px; align-items: center; }
.safety-visual { position: relative; overflow: hidden; border: 1px solid var(--ink); }
.safety-visual img { aspect-ratio: 3/2; object-fit: cover; }
.safety-caption { position: absolute; right: 0; bottom: 0; left: 0; padding: 15px 18px; background: rgba(20, 59, 51, .92); color: white; font-size: .75rem; }
.safety-steps { margin: 0; padding: 0; list-style: none; counter-reset: safety; }
.safety-steps li { display: grid; grid-template-columns: 54px 1fr; gap: 20px; padding: 22px 0; border-top: 1px solid var(--line); counter-increment: safety; }
.safety-steps li::before { color: var(--cobalt); font-size: 1.2rem; font-weight: 800; content: "0" counter(safety); }
.safety-steps h3 { margin-bottom: 6px; }
.safety-steps p { margin-bottom: 0; color: var(--muted); }

.source-ribbon { display: grid; grid-template-columns: 180px 1fr auto; gap: 28px; align-items: center; padding: 22px 0; border-block: 1px solid var(--ink); }
.source-ribbon strong { color: var(--forest); }
.source-ribbon p { margin: 0; color: var(--muted); font-size: .87rem; }
.source-ribbon a { color: var(--cobalt); font-size: .8rem; font-weight: 750; }

.article-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px; background: var(--ink); border: 1px solid var(--ink); }
.article-card { min-width: 0; background: white; }
.article-card__media { display: block; overflow: hidden; border-bottom: 1px solid var(--ink); }
.article-card__media img { width: 100%; aspect-ratio: 3/2; object-fit: cover; transition: transform .35s ease; }
.article-card:hover img { transform: scale(1.02); }
.article-card__body { padding: 22px; }
.article-card__meta { display: flex; justify-content: space-between; gap: 12px; color: var(--cobalt); font-size: .68rem; font-weight: 800; text-transform: uppercase; }
.article-card h3 { margin: 14px 0 12px; font-size: 1.28rem; }
.article-card h3 a { text-decoration: none; }
.article-card p { color: var(--muted); font-size: .88rem; }

.faq-register { border-top: 1px solid var(--ink); }
.faq-register details { display: grid; border-bottom: 1px solid var(--ink); background: white; }
.faq-register summary { min-height: 64px; padding: 18px 60px 18px 18px; font-weight: 750; cursor: pointer; list-style: none; position: relative; }
.faq-register summary::-webkit-details-marker { display: none; }
.faq-register summary::after { position: absolute; right: 18px; top: 18px; width: 28px; height: 28px; display: grid; place-items: center; border: 1px solid var(--ink); content: "+"; }
.faq-register details[open] summary::after { content: "−"; }
.faq-register details p { max-width: 850px; padding: 0 70px 20px 18px; color: var(--muted); }

.page-header, .article-header { padding: 42px 0 48px; border-bottom: 1px solid var(--ink); background: white; }
.breadcrumbs { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 36px; color: var(--muted); font-size: .75rem; }
.breadcrumbs a { color: var(--cobalt); }
.page-header__grid { display: grid; grid-template-columns: 160px minmax(0, 1fr) minmax(240px, .7fr); gap: 28px; align-items: end; }
.page-header__grid .page-code { color: var(--cobalt); font-size: 1.2rem; font-weight: 800; }
.page-header h1 { margin-bottom: 0; font-size: clamp(2.2rem, 4vw, 4rem); }
.page-header__lede { margin-bottom: 0; color: var(--muted); }
.page-content { padding: 68px 0 90px; }
.prose { max-width: var(--content); margin-inline: auto; }
.prose > * + * { margin-top: 1.35em; }
.prose h2 { margin-top: 2em; font-size: clamp(1.65rem, 2.6vw, 2.4rem); }
.prose h3 { margin-top: 1.7em; }
.prose p, .prose li { color: #334240; }
.prose a { color: var(--cobalt); }
.prose ul, .prose ol { padding-left: 1.3em; }
.prose table { width: 100%; border-collapse: collapse; font-size: .88rem; }
.prose th, .prose td { padding: 13px; border: 1px solid var(--line); text-align: left; vertical-align: top; }
.prose th { background: var(--forest); color: white; }
.prose blockquote { margin-inline: 0; padding: 20px 24px; border-left: 5px solid var(--brass); background: white; }
.prose .notice, .source-box, .disclaimer-box { padding: 20px 22px; border: 1px solid var(--line); border-left: 5px solid var(--cobalt); background: white; }
.prose .notice--risk { border-left-color: var(--brass); }
.prose .profile-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.prose .profile { padding: 22px; border: 1px solid var(--line); background: white; }
.prose .source-list li { margin-bottom: 12px; }
.prose .table-scroll { overflow-x: auto; }
.page-content .interest-calculator { width: var(--shell); max-width: none; margin: 0 calc((var(--content) - var(--shell)) / 2) 55px; }

.article-header__grid { display: grid; grid-template-columns: minmax(0, 1fr) minmax(360px, .72fr); gap: 48px; align-items: end; }
.article-kicker { color: var(--cobalt); font-size: .73rem; font-weight: 800; text-transform: uppercase; }
.article-header h1 { max-width: 14ch; margin-bottom: 18px; font-size: clamp(2.3rem, 4.5vw, 4.5rem); }
.article-deck { max-width: 60ch; color: var(--muted); font-size: 1.08rem; }
.article-meta { display: flex; flex-wrap: wrap; gap: 10px 24px; padding-top: 15px; border-top: 1px solid var(--line); color: var(--muted); font-size: .73rem; }
.article-header__media { margin: 0; border: 1px solid var(--ink); }
.article-header__media img { width: 100%; aspect-ratio: 3/2; object-fit: cover; }
.article-content { padding: 65px 0 75px; }
.source-box { max-width: var(--content); margin: 48px auto 0; color: var(--muted); font-size: .85rem; }
.source-box strong { display: block; margin-bottom: 6px; color: var(--ink); }
.related-posts { padding: 70px 0; border-top: 1px solid var(--ink); background: white; }

.blog-header { padding: 45px 0; border-bottom: 1px solid var(--ink); background: var(--cobalt); color: white; }
.blog-header .breadcrumbs, .blog-header .breadcrumbs a { color: white; }
.blog-header__grid { display: grid; grid-template-columns: 170px 1fr .7fr; gap: 30px; align-items: end; }
.blog-header h1 { margin: 0; }
.blog-header p { margin: 0; color: #dfe7f6; }
.blog-list { padding: 70px 0 90px; }
.pagination { margin-top: 40px; }
.nav-links { display: flex; gap: 8px; }
.page-numbers { min-width: 44px; min-height: 44px; display: grid; place-items: center; border: 1px solid var(--ink); text-decoration: none; }
.page-numbers.current { background: var(--ink); color: white; }

.contact-form { margin-top: 30px; }
.contact-form > * + * { margin-top: 17px; }
.contact-form .field-grid { grid-template-columns: 1fr 1fr; }
.consent { display: grid; grid-template-columns: 24px 1fr; gap: 10px; align-items: start; }
.consent input { width: 20px; min-height: 20px; margin-top: 2px; }
.form-notice { padding: 14px 16px; border-left: 5px solid var(--forest); background: white; }
.form-notice--error { border-color: var(--danger); }
.search-form { display: flex; max-width: 620px; }
.search-form label { flex: 1; }
.search-field { border-radius: 3px 0 0 3px; }
.search-submit { min-height: 48px; border: 0; padding: 0 20px; background: var(--cobalt); color: white; font-weight: 750; }
.empty-state { padding: 70px 0 100px; }

.site-footer { border-top: 1px solid var(--ink); background: var(--ink); color: white; }
.footer-register { width: var(--shell); margin: auto; display: grid; grid-template-columns: 1.8fr repeat(3, 1fr); gap: 45px; padding: 66px 0; }
.footer-lead h2 { margin: 0; font-size: clamp(2rem, 3vw, 3rem); }
.footer-lead .register-label { color: #90b6ab; }
.footer-links { display: flex; flex-direction: column; gap: 9px; }
.footer-links h3 { margin-bottom: 10px; color: var(--brass); font-size: .72rem; text-transform: uppercase; }
.footer-links a { color: #d5dfdc; font-size: .84rem; text-decoration: none; }
.footer-links a:hover { color: white; text-decoration: underline; }
.footer-bottom { display: grid; grid-template-columns: 1fr 2fr 1fr; gap: 30px; padding: 17px max(32px, calc((100vw - min(1440px, calc(100vw - 64px))) / 2)); border-top: 1px solid #40504f; color: #aebcba; font-size: .7rem; }
.footer-bottom span:last-child { text-align: right; }

@media (max-width: 1120px) {
  .site-header__inner { grid-template-columns: 230px 1fr auto; }
  .site-nav .menu { gap: 15px; }
  .site-nav a { font-size: .79rem; }
  .calculator-register { grid-template-columns: 42px 1fr; }
  .calculator-output { grid-column: 2; }
  .field-grid { grid-template-columns: repeat(2, 1fr); }
  .condition-strip { grid-template-columns: 1fr 1fr; }
  .condition-item:nth-child(2) { border-right: 0; }
  .condition-item:nth-child(-n+2) { border-bottom: 1px solid var(--ink); }
  .article-grid { grid-template-columns: 1fr 1fr; }
  .footer-register { grid-template-columns: 1.5fr repeat(3, 1fr); gap: 25px; }
}

@media (max-width: 900px) {
  :root { --shell: calc(100% - 36px); }
  .site-header__inner { grid-template-columns: 1fr auto; min-height: 66px; }
  .site-nav { position: fixed; top: 66px; right: 0; bottom: 0; left: 0; visibility: hidden; opacity: 0; padding: 36px 18px; background: var(--snow); transition: opacity .2s ease, visibility .2s ease; }
  .site-nav .menu { width: 100%; max-width: 100%; margin: auto; display: block; }
  .site-nav li { border-bottom: 1px solid var(--line); }
  .site-nav a { min-height: 58px; display: flex; align-items: center; font-size: 1.15rem; }
  .menu-open .site-nav { visibility: visible; opacity: 1; }
  .menu-open .menu-open-icon { display: none; }
  .menu-open .menu-close-icon { display: block; }
  .menu-toggle { display: grid; }
  .header-actions .button { display: none; }
  .ledger-shell { grid-template-columns: 54px 1fr; }
  .hero-workspace { padding: 32px 24px 38px; }
  .hero-title-row, .article-header__grid, .safety-layout { grid-template-columns: 1fr; }
  .section-ledger-head, .page-header__grid, .blog-header__grid { grid-template-columns: 100px 1fr; }
  .section-ledger-head > p, .page-header__lede, .blog-header__grid > p { grid-column: 2; }
  .source-ribbon { grid-template-columns: 130px 1fr; }
  .source-ribbon a { grid-column: 2; }
  .page-content .interest-calculator { width: var(--shell); margin-inline: calc((var(--content) - var(--shell)) / 2); }
  .footer-register { grid-template-columns: 1.5fr 1fr 1fr; }
  .footer-lead { grid-column: 1 / -1; }
  .footer-bottom { grid-template-columns: 1fr; padding-inline: 18px; }
  .footer-bottom span:last-child { text-align: left; }
}

@media (max-width: 640px) {
  :root { --shell: calc(100% - 24px); }
  body { font-size: 16px; }
  h1 { font-size: 2.25rem; }
  h2 { font-size: 1.9rem; }
  .wordmark span { display: none; }
  .hero-status { display: grid; gap: 4px; }
  .ledger-shell { width: 100%; grid-template-columns: 34px minmax(0, 1fr); border-inline: 0; }
  .vertical-index { gap: 14px; padding: 20px 0; }
  .vertical-index span { font-size: .6rem; }
  .hero-workspace { min-width: 0; padding: 25px 12px 28px; }
  .hero-title-row { gap: 22px; }
  .hero-signal { grid-template-columns: 1fr; }
  .hero-signal div { border-right: 0; border-bottom: 1px solid var(--line); }
  .hero-signal div:last-child { border-bottom: 0; }
  .calculator-register { grid-template-columns: 28px minmax(0, 1fr); box-shadow: none; }
  .calculator-register__index { gap: 14px; }
  .calculator-inputs, .calculator-output { min-width: 0; padding: 20px 14px; }
  .calculator-heading { grid-template-columns: 1fr; gap: 8px; }
  .field-grid, .contact-form .field-grid { grid-template-columns: 1fr; }
  .primary-result strong { font-size: 2rem; }
  .register-section { padding: 60px 0; }
  .section-ledger-head, .page-header__grid, .blog-header__grid { grid-template-columns: 1fr; gap: 12px; }
  .section-ledger-head > p, .page-header__lede, .blog-header__grid > p { grid-column: 1; }
  .comparison-ledger { grid-template-columns: 95px 1fr 1fr; overflow-x: auto; font-size: .8rem; }
  .comparison-ledger > div { min-width: 0; padding: 13px 10px; overflow-wrap: anywhere; }
  .condition-strip { grid-template-columns: 1fr; }
  .condition-item { min-height: auto; border-right: 0; border-bottom: 1px solid var(--ink); }
  .condition-item:last-child { border-bottom: 0; }
  .condition-item::before { margin-bottom: 22px; }
  .source-ribbon { grid-template-columns: 1fr; gap: 10px; }
  .source-ribbon a { grid-column: 1; }
  .article-grid { grid-template-columns: 1fr; }
  .page-header, .article-header { padding: 28px 0 34px; }
  .breadcrumbs { margin-bottom: 24px; }
  .article-header h1 { font-size: 2.35rem; }
  .article-header__grid { gap: 28px; }
  .page-content { padding: 48px 0 70px; }
  .page-content .interest-calculator { width: calc(100vw - 8px); margin-left: calc((var(--content) - (100vw - 8px)) / 2); }
  .prose .profile-grid { grid-template-columns: 1fr; }
  .prose .table-scroll { width: calc(100vw - 24px); margin-left: calc((var(--content) - (100vw - 24px)) / 2); }
  .footer-register { grid-template-columns: 1fr 1fr; gap: 32px 20px; padding: 48px 0; }
  .footer-lead { grid-column: 1 / -1; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; transition-duration: .01ms !important; }
}