:root{--bg:#e3e9ef;--fg:#14212e;--mut:#475360;--acc:#1b3a57;--gold:#9a4a10;--card:#f6f7f4;--bd:#2c5878;--soft:#c4d1dd;--serif:Georgia,'Times New Roman',Times,serif}
*{box-sizing:border-box}body{margin:0;font:16px/1.55 system-ui,-apple-system,Segoe UI,Roboto,sans-serif;background:var(--bg) url(bg-engraving.svg);color:var(--fg)}
header{background:var(--card);border-bottom:1px solid var(--bd)}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
header .wrap{display:flex;flex-wrap:wrap;align-items:center;gap:8px 24px;padding-top:14px;padding-bottom:14px}
.brand{display:inline-flex;align-items:center;line-height:0}.brand img{height:35px;width:auto;display:block}
nav a{color:var(--fg);text-decoration:none;margin-right:14px;font-size:15px}nav a.on,nav a:hover{color:var(--acc);font-weight:600}
main{padding:28px 20px 60px}h1{font-size:32px;margin:.2em 0}h2{margin-top:1.6em}
.lead{color:var(--mut);font-size:18px;max-width:720px}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:16px;margin:24px 0}
.card{background:var(--card);border:1px solid var(--bd);border-radius:10px;padding:18px}.card h3{margin-top:0}
a{color:var(--acc)}.btn{display:inline-block;background:var(--acc);color:#f6f7f4;padding:9px 16px;border-radius:8px;text-decoration:none;border:0;font-size:16px;cursor:pointer}
.notice{background:var(--card)8e1;border:1px solid #c46a1f;border-radius:8px;padding:12px 14px;margin:16px 0;font-size:14px}
.tools{display:flex;flex-wrap:wrap;gap:10px;margin:14px 0}input,select{padding:8px 10px;border:1px solid var(--bd);border-radius:8px;font-size:15px}
.tw{overflow-x:auto;background:var(--card);border:1px solid var(--bd);border-radius:10px}
table{border-collapse:collapse;width:100%;font-size:14px}th,td{padding:10px 12px;border-bottom:1px solid var(--bd);text-align:left;vertical-align:top}
th{background:#e2e9f0;cursor:pointer;white-space:nowrap;user-select:none}th:hover{background:#cfdae5}
.muted{color:var(--mut);font-size:14px}.tag{background:#dce6ef;color:var(--acc);border-radius:4px;padding:1px 6px;font-size:12px}
footer{border-top:1px solid var(--bd);background:var(--card);padding:22px 0;color:var(--mut);font-size:13px}
canvas{max-width:100%;background:var(--card);border:1px solid var(--bd);border-radius:10px}
.big{font-size:44px;font-weight:800;color:var(--acc)}
html{-webkit-text-size-adjust:100%}img,svg,video{max-width:100%;height:auto}
.btn,.btn2{min-height:44px;line-height:26px}
nav a{display:inline-block;padding:9px 6px;margin-right:6px}
.notice,.muted{overflow-wrap:anywhere}
input,select,button{font-size:16px;min-height:44px}
th{min-height:44px}
@media(max-width:640px){
body{font-size:16px}
.wrap{padding:0 16px}main{padding:20px 16px 48px}
h1{font-size:26px}h2{font-size:22px}.lead{font-size:17px}.big{font-size:36px}
header .wrap{gap:0 12px;padding-top:8px;padding-bottom:8px}
nav{display:flex;flex-wrap:wrap;width:100%}
nav a{font-size:16px;line-height:24px;padding:10px 8px;margin:0}
.grid{grid-template-columns:1fr}
.btn,.btn2{display:block;text-align:center;width:100%;padding:10px 16px}
.callout{padding:18px 16px!important}.callout h2{font-size:22px!important}
.tools input,.tools select{flex:1 1 100%;width:100%}
.notice{font-size:15px}footer{font-size:14px}
.tw{border:0;background:none;overflow:visible}
.tw table,.tw tbody,.tw tr,.tw td{display:block;width:100%}
.tw thead{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:8px}.tw thead tr{display:flex;flex-wrap:wrap;gap:6px}
.tw th{display:inline-flex;align-items:center;min-height:44px;border:1px solid var(--bd);border-radius:8px;padding:0 12px;font-size:14px}
.tw tr{background:var(--card);border:1px solid var(--bd);border-radius:10px;margin-bottom:12px;padding:6px 0}
.tw td{border:0;padding:6px 14px;font-size:15px;overflow-wrap:anywhere}
.tw td[data-label]:before{content:attr(data-label);display:block;font-size:12px;color:var(--mut);text-transform:uppercase;letter-spacing:.03em}
.tw td a{display:inline-block;padding:10px 0}
.tw:not(:has(thead)){overflow-x:auto;background:var(--card);border:1px solid var(--bd)}
.tw:not(:has(thead)) table{display:table}.tw:not(:has(thead)) tr{display:table-row;border:0;margin:0;padding:0}.tw:not(:has(thead)) td,.tw:not(:has(thead)) th{display:table-cell;width:auto}
canvas{height:auto!important}
}
@media(max-width:640px){.tw thead tr{background:none;border:0;margin:0;padding:0}}
@media(max-width:640px){.tw:not(:has(thead)) td,.tw:not(:has(thead)) th{white-space:nowrap}.slot input{width:100%;margin-bottom:8px}.slot .btn{width:100%}}
td a.btn{color:#f6f7f4;padding:6px 14px;min-height:36px;line-height:24px;white-space:nowrap}
.calc{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:12px;margin:14px 0}.calc label{display:flex;flex-direction:column;font-size:14px;color:var(--mut);gap:4px}.calc input,.calc select{width:100%;font-size:16px}
.res{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:12px;margin:14px 0}.res .card .big{font-size:28px}
@media(max-width:640px){td a.btn{display:block;width:100%;white-space:normal;padding:10px 16px}}

/* auto loan rates */
.rf{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:14px 0}.rf label{display:flex;flex-direction:column;font-size:14px;color:var(--mut);gap:4px}.rf select{width:100%;font-size:16px;min-height:44px}
.sr{position:absolute;left:-9999px}
.rcards{display:none}.rtw{background:var(--card);border:1px solid var(--bd);border-radius:10px;overflow:hidden}
.rtab td,.rtab th{padding:10px 12px}.rtab th{cursor:pointer}.rtab td.num{font-size:18px;color:var(--acc);white-space:nowrap}.rtab td a.btn{display:inline-block}
.rtab summary,.rc summary{cursor:pointer;color:var(--acc);min-height:44px;display:flex;align-items:center;font-size:15px}
.rt2{margin:6px 0;width:auto;min-width:240px}
@media(max-width:640px){
.rtw{display:none}.rcards{display:block}
.rf{grid-template-columns:1fr}
.rc{background:var(--card);border:1px solid var(--bd);border-radius:10px;padding:14px;margin-bottom:12px}
.rh{display:flex;justify-content:space-between;gap:10px;align-items:flex-start}.rn{min-width:0;overflow-wrap:anywhere}
.ra{text-align:right;flex:none}.av{display:block;font-size:32px;font-weight:800;color:var(--acc);line-height:1.1}.al{display:block;font-size:12px;color:var(--mut)}.sl{font-size:18px;font-weight:700;color:var(--mut)}
.rk{color:var(--mut);font-size:14px}.rm{margin:8px 0 2px;display:flex;flex-wrap:wrap;gap:6px}.rm .tag{font-size:14px;padding:3px 8px}
.rnote{margin:4px 0}.rc .btn{margin-top:4px}.rc details p{margin:6px 0;font-size:15px;overflow-wrap:anywhere}.rc .src{display:inline-flex;align-items:center;min-height:44px}
.rc .rt2{width:100%}.rc .rt2 td,.rc .rt2 th{display:table-cell;width:auto;font-size:15px}
}
.rtab td{overflow-wrap:normal}.rtab td a{white-space:nowrap}

/* banknote theme */
h1,h2,h3,.big,.av,.v,.tab,summary{font-family:var(--serif)}
h1,h2{color:var(--acc);letter-spacing:.01em}h1{font-weight:700}
h2{border-bottom:1px solid var(--bd);padding-bottom:4px}
header{background:var(--card);border-bottom:3px double var(--bd);box-shadow:0 1px 0 var(--gold)}
nav a{color:var(--acc);font-family:var(--serif)}nav a.on,nav a:hover{color:var(--gold);text-decoration:underline;text-underline-offset:4px}
.btn{background:linear-gradient(#2c5878,#1b3a57);border:1px solid #12293f;font-family:var(--serif);letter-spacing:.02em;color:#f6f7f4}
.btn:hover{background:#12293f}
.card,.tw,.rtw,.rc,canvas,.tab{background:var(--card);border:1px solid var(--bd);box-shadow:0 0 0 3px var(--card),0 0 0 4px rgba(44,88,120,.55)}
.card,.tw,.rtw,.rc{border-radius:4px}.tab{border-radius:4px}
.tab.on{background:var(--acc);color:#f6f7f4}
.lead,.muted{color:var(--mut)}.lead{background:rgba(246,247,244,.8);padding:6px 10px;border-left:3px solid var(--gold)}
main>p,main>h2,main>h1{}
a{color:var(--acc);text-decoration-color:var(--gold)}.tag{background:#dce6ef;color:var(--acc);border:1px solid var(--soft)}
.notice{background:#fdf0e1;border:1px solid #9a4a10;color:#2e1a08}
th{background:#e2e9f0;color:var(--acc);font-family:var(--serif)}
input,select{background:#fbfcfd;color:var(--fg);border:1px solid var(--bd);border-radius:4px}
input:focus,select:focus,.btn:focus,a:focus,button:focus{outline:3px solid #c46a1f;outline-offset:2px}
footer{background:var(--card);border-top:3px double var(--bd);color:var(--mut)}
.callout{background:var(--acc)!important;color:#f6f7f4!important;border:1px solid #d9822f!important}.callout h2,.callout p,.callout a{color:#f6f7f4!important;border:0}
.callout .btn{background:#f6f7f4;color:#1b3a57;border-color:#d9822f}
.tw tr:nth-child(even) td{background:rgba(196,209,221,.25)}
@media(max-width:640px){.tw tr{background:var(--card);border:1px solid var(--bd);box-shadow:none}.tw tr:nth-child(even) td{background:none}.tw th{background:var(--card)}}
body{min-height:100vh;display:flex;flex-direction:column}main{flex:1 0 auto;width:100%}

/* ===== mobile-first overhaul ===== */
html{scroll-padding-top:70px;scroll-behavior:smooth}
body{padding-bottom:env(safe-area-inset-bottom);overflow-x:hidden}
header{position:sticky;top:0;z-index:50;padding-top:env(safe-area-inset-top)}
header .hb{flex-wrap:nowrap;justify-content:space-between;padding-top:8px;padding-bottom:8px;gap:12px}
.brand img{height:42px}
.menu{display:none;width:44px;height:44px;border:1px solid var(--bd);border-radius:6px;background:var(--card);padding:0;cursor:pointer;flex-direction:column;justify-content:center;align-items:center;gap:5px}
.menu span{display:block;width:22px;height:2px;background:var(--acc);transition:transform .2s,opacity .2s}
.navopen .menu span:nth-child(1){transform:translateY(7px) rotate(45deg)}.navopen .menu span:nth-child(2){opacity:0}.navopen .menu span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
.sr{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.upd{display:block;font-size:13px;color:var(--mut);margin:0 0 6px}
.hero{padding:18px 0 6px}.hero h1{font-size:34px;line-height:1.15;margin:0 0 8px}.hero .lead{margin:0 0 14px}
.btn.cta{display:inline-block;font-size:18px;padding:12px 22px;min-height:48px}
.sec{font-size:20px;margin:22px 0 10px}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.stat{display:flex;flex-direction:column;gap:2px;background:var(--card);border:1px solid var(--bd);border-radius:4px;padding:14px;text-decoration:none;color:var(--fg);box-shadow:0 0 0 3px var(--card),0 0 0 4px rgba(44,88,120,.55);min-height:44px}
.stat .l{font-size:13px;color:var(--mut);text-transform:uppercase;letter-spacing:.04em}.stat .v{font:800 34px/1.1 var(--serif);color:var(--acc)}.stat .s{font-size:13px;color:var(--mut);overflow-wrap:anywhere}
.nlcard{display:flex;flex-direction:column;gap:6px;background:var(--card);border:1px solid var(--bd);border-radius:4px;padding:14px;margin:18px 0}
.nlf{display:flex;gap:8px;margin-top:6px}.nlf input{flex:1 1 auto;min-width:0}.nlf .btn{white-space:nowrap}
.lk{text-decoration:none;color:var(--fg);display:block}.lk h3{color:var(--acc)}.lk p{margin:0}
.trust{color:var(--mut);font-size:14px;text-align:center;margin:26px 0 0}
.nlb{display:flex;flex-direction:column;gap:6px;margin-bottom:18px}
.fined{margin:14px 0;background:var(--card);border:1px solid var(--bd);border-radius:6px;padding:0 12px}.fined summary{font-size:15px;color:var(--acc)}.fined .notice{margin:0 0 12px;border:0;padding:0;background:none;color:inherit;font-size:14px}
.rng{width:100%;min-height:32px;padding:0;margin:6px 0 0;accent-color:var(--acc)}
.sbar{position:fixed;left:0;right:0;bottom:0;z-index:40;display:flex;align-items:center;justify-content:space-between;gap:10px;padding:10px 16px calc(10px + env(safe-area-inset-bottom));background:var(--acc);color:#f6f7f4;transform:translateY(110%);transition:transform .2s;font-size:15px}
.sbar.show{transform:none}.sbar strong{font:800 22px var(--serif)}.sbar .up{color:#f6f7f4;min-height:44px;display:inline-flex;align-items:center}
@media(max-width:860px){
 .menu{display:flex}
 header nav{display:none;position:fixed;left:0;right:0;top:calc(58px + env(safe-area-inset-top));bottom:0;background:var(--card);overflow-y:auto;padding:8px 16px calc(24px + env(safe-area-inset-bottom));flex-direction:column;width:auto;border-top:3px double var(--bd)}
 .navopen header nav{display:flex}.navopen{overflow:hidden}
 header nav a{font-size:20px;padding:0 4px;min-height:52px;display:flex;align-items:center;border-bottom:1px solid var(--soft);margin:0}
 .stats{display:flex;overflow-x:auto;scroll-snap-type:x mandatory;gap:10px;margin:0 -16px;padding:4px 16px 10px;-webkit-overflow-scrolling:touch}
 .stat{flex:0 0 74%;scroll-snap-align:start}
}
@media(max-width:640px){
 .hero h1{font-size:28px}.btn.cta{display:block;text-align:center}
 .nlf{flex-direction:column}.nlf .btn{width:100%}
 .tabs .tab{flex:1 1 45%;min-height:44px}
 .calc{grid-template-columns:1fr 1fr}.calc label{font-size:13px}
 .res{grid-template-columns:1fr 1fr}.res .card{padding:12px}
 .card{padding:14px}
 main{padding-bottom:calc(60px + env(safe-area-inset-bottom))}
 h1{font-size:26px}
 .lead{font-size:16px;padding:4px 8px}
 .fined summary{min-height:48px;display:flex;align-items:center}
 body.navopen .sbar{display:none}
 canvas{max-width:100%}
 pre,code{overflow-x:auto}
}
@media(max-width:380px){.calc,.res{grid-template-columns:1fr}}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}

/* ===== m2: award-grade mobile polish ===== */
.skip{position:absolute;left:8px;top:-60px;z-index:100;background:var(--acc);color:#f6f7f4;padding:12px 16px;border-radius:6px;text-decoration:none;min-height:44px}
.skip:focus{top:8px}
:focus:not(:focus-visible){outline:none}
:focus-visible{outline:3px solid #c46a1f;outline-offset:2px}
a,button,summary,.tab,.stat{-webkit-tap-highlight-color:rgba(27,58,87,.15);touch-action:manipulation}
header .hb{min-height:58px}
header{min-height:52px}
[data-updated],.upd{display:block;min-height:20px;font-size:13px;color:var(--mut);margin:0 0 6px}
.btn,.tab,.stat,.card.lk,.menu,.btm a,nav a{transition:transform .12s ease,box-shadow .15s ease,background-color .15s ease,color .15s ease}
.btn:active,.tab:active,.menu:active{transform:scale(.97)}
.stat:active,.card.lk:active{transform:scale(.985)}
@media(hover:hover){.stat:hover,.card.lk:hover{transform:translateY(-2px)}}
.stat .v{font-variant-numeric:tabular-nums;min-height:38px}
/* skeletons */
@keyframes shim{to{background-position:-200% 0}}
.sk{display:inline-block;color:transparent!important;border-radius:4px;background:linear-gradient(90deg,#cfdae5 25%,#e8edf2 50%,#cfdae5 75%);background-size:200% 100%;animation:shim 1.3s linear infinite;user-select:none}
.skl{min-width:3.5em}
.skc{height:210px;border-radius:4px;margin-bottom:12px;background:linear-gradient(90deg,var(--card) 25%,#e6ecf1 50%,var(--card) 75%);background-size:200% 100%;animation:shim 1.3s linear infinite;border:1px solid var(--soft)}
.skwrap{min-height:700px}
#m.skwrap{min-height:180px}@media(max-width:700px){#m.skwrap{min-height:320px}}
.res{min-height:150px}
@media(max-width:640px){.res{min-height:300px}}
/* cross-page transitions where supported */
@view-transition{navigation:auto}
::view-transition-old(root),::view-transition-new(root){animation-duration:.18s}
@keyframes rise{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.stat,.card.lk{animation:rise .35s ease both;animation-delay:var(--d,0ms)}
/* thumb-zone quick bar */
.btm{display:none}
@media(max-width:860px){
 .btm{display:grid;grid-template-columns:repeat(6,1fr);position:fixed;left:0;right:0;bottom:0;z-index:45;background:var(--card);border-top:3px double var(--bd);padding-bottom:env(safe-area-inset-bottom)}
 .btm a{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:2px;min-height:56px;color:var(--mut);text-decoration:none;font-size:11px;font-weight:600;padding:6px 0}
 .btm a.on{color:var(--acc)}.btm a.on svg{stroke-width:2.4}
 .btm a:active{background:var(--soft)}
 body{padding-bottom:calc(56px + env(safe-area-inset-bottom))}
 .sbar{bottom:calc(56px + env(safe-area-inset-bottom));padding-bottom:10px}
 body.navopen .btm{display:none}
 header nav{bottom:0}
 footer{padding-bottom:16px}
}
@media(prefers-reduced-motion:reduce){*,*::before,*::after{animation:none!important;transition:none!important;scroll-behavior:auto!important}.sk,.skc{background:#cfdae5}@view-transition{navigation:none}}
/* reserve space for JS-built bits so nothing jumps (CLS) */
.fine{box-sizing:border-box;height:50px;overflow:hidden;margin:14px 0;border:1px solid var(--bd);border-radius:6px;padding:0 12px;background:var(--card);position:relative}
.fine>*{visibility:hidden}
.fine::before{content:"Important disclosures";position:absolute;left:12px;top:0;line-height:48px;font:15px var(--serif);color:var(--acc)}
.fine[data-title]::before{content:attr(data-title)}
[data-nl]{min-height:50px}
.calc label:has(input[data-slider]){min-height:112px}
.sbar .up{min-width:56px;justify-content:center;padding:0 12px}
@media(max-width:640px){[data-nl]{min-height:102px}}
#m.skwrap .skc{height:150px}
.stat .s{min-height:2.4em}
.sk.skl2{display:inline;min-width:0}
[data-updated],.upd{margin:0 0 6px;line-height:20px;height:20px;min-height:20px}
.stat .s{min-height:3.1em}
.v .sk{vertical-align:top;line-height:1.1}
#c[hidden]{display:block!important;visibility:hidden;width:100%;aspect-ratio:1000/380}
#c{height:300px!important}@media(min-width:540px){#c{height:380px!important}}
#c[hidden]{aspect-ratio:auto}
#m{display:flow-root}#m.skwrap{padding-top:24px}
#m.skwrap .skc{height:155px}
#leg{min-height:222px}@media(min-width:700px){#leg{min-height:64px}}
@media(max-width:700px){.tw:has(#tbl){min-height:1100px}}
.sbar{visibility:hidden;transition:transform .2s,visibility 0s .2s}.sbar.show{visibility:visible;transition:transform .2s}
@media(max-width:860px){.sbar{transform:translateY(calc(100% + 60px))}.sbar.show{transform:none}}
@media(max-width:860px){.stats{scroll-padding-left:16px}}

/* credit cards */
.ccl{display:grid;gap:14px}.cc{padding:14px}.cch{display:flex;gap:12px;align-items:center}.cch h2{font-size:19px;margin:0;line-height:1.2}
.rk{flex:0 0 36px;height:36px;border-radius:50%;background:var(--acc);color:#f6f7f4;display:flex;align-items:center;justify-content:center;font-family:var(--serif);font-weight:700}
.ccb{margin:10px 0 4px;font-size:15px}.ccb strong{font-family:var(--serif);font-size:22px;color:var(--acc);line-height:1.25}
.ccm{margin:6px 0}.ccm .tag{display:inline-block;margin:0 4px 4px 0;padding:3px 8px;font-size:13px}.ccr{margin:6px 0;font-size:15px}
.cc dl{margin:0 0 12px;font-size:15px}.cc dt{font-weight:700;margin-top:8px;font-size:13px;color:var(--mut);text-transform:uppercase;letter-spacing:.03em}.cc dd{margin:2px 0 0;overflow-wrap:anywhere}
.cca{display:flex;gap:10px;align-items:center;flex-wrap:wrap}.cca .btn{flex:1 1 200px}.rf{min-height:44px;display:inline-flex;align-items:center;font-size:15px}
.ccf select{flex:1 1 160px}
@media(min-width:900px){.ccl{grid-template-columns:1fr 1fr}}
.fl{margin-top:8px}.fl a{display:inline-block;padding:10px 6px}.affnote{margin:8px 0 0}

.nlf{flex-wrap:wrap}.nlf .tpd,.nlf .tpf,.nlf .tpn{flex:1 1 100%}.tpn{margin:2px 0 0;font-size:.85rem;color:var(--muted,#555)}
.tpd summary{min-height:44px;display:flex;align-items:center;cursor:pointer;font-weight:600}.tpf{border:0;padding:0;margin:4px 0 0}.tpf legend{font-weight:600;padding:0;margin-bottom:2px}
.tps{display:flex;flex-wrap:wrap;gap:0 14px}.tp{display:flex;align-items:center;gap:10px;min-height:44px;cursor:pointer}.tp input{width:22px;height:22px;flex:none;margin:0}
@media(max-width:600px){.tps{flex-direction:column}}
.tpd summary{list-style:none}.tpd summary::after{content:"+";margin-left:8px;font-weight:700}.tpd[open] summary::after{content:"\2212"}.tpd summary::-webkit-details-marker{display:none}

/* header nav: one line desktop, More dropdown */
.mx{display:none}.nlbtn{display:none}
@media(min-width:861px){
 header .hb{padding-top:6px;padding-bottom:6px;gap:12px;flex-wrap:nowrap}
 header nav{display:flex;align-items:center;flex-wrap:nowrap;white-space:nowrap;margin-left:auto}
 header nav a,header nav .mb{font-size:14px;padding:9px 5px;margin-right:2px}
 header nav .nlbtn{display:inline-block;margin:0 0 0 6px;padding:7px 12px;border:1px solid var(--acc);border-radius:6px;background:var(--acc);color:#f6f7f4;font-size:13px;text-decoration:none}
 header nav .nlbtn:hover{color:#fff;text-decoration:none;background:#12293f}
 .more{position:relative}
 .more .mb{list-style:none;background:none;border:0;margin:0;font-size:inherit;cursor:pointer;color:var(--acc);font-family:var(--serif);display:inline-block;border-radius:4px}
  .more .mb::after{content:" \25BE"}
 .more .mb:hover,.more .mb.on,.more.open .mb{color:var(--gold)}
 .more .mb:focus-visible,header nav a:focus-visible{outline:2px solid var(--gold);outline-offset:2px}
 .mm{position:absolute;right:0;top:100%;z-index:60;min-width:180px;background:var(--card);border:1px solid var(--bd);border-radius:6px;box-shadow:0 6px 18px rgba(0,0,0,.15);padding:6px;display:flex;flex-direction:column}
 .mm a{display:block;margin:0;padding:9px 10px}
}
@media(min-width:861px) and (max-width:1180px){header nav a,header nav .mb{font-size:13px;padding:9px 3px}header nav .nlbtn{padding:6px 9px;font-size:12px}}
@media(max-width:860px){.more{display:none}.mx{display:flex}header nav .nlbtn{display:none}}

/* header v3: logo left and large, one row, More popover, one CTA, scroll shadow */
@media(min-width:861px){
 header .hb{max-width:1240px;padding-top:10px;padding-bottom:10px;gap:clamp(16px,2.4vw,40px);justify-content:space-between;min-height:0}
 header .brand img{height:clamp(42px,3.3vw,56px);width:auto}
 header nav{margin-left:auto;gap:clamp(0px,.6vw,10px);font-size:clamp(14px,1.05vw,16px)}
 header nav a,header nav .mb{font-size:clamp(13.5px,1.05vw,16px);padding:10px clamp(6px,.8vw,12px);margin:0;position:relative}
 header nav a.on:not(.nlbtn){color:var(--gold)}
 header nav>a:not(.nlbtn):not(.mx):hover{text-decoration:none;color:var(--gold)}
 header nav .nlbtn{display:inline-block;margin-left:clamp(8px,1vw,18px);padding:10px clamp(14px,1.3vw,22px);font-size:clamp(13.5px,1vw,15px);border-radius:999px;font-weight:700}
 .mm{right:auto;left:50%;transform:translateX(-50%);top:calc(100% + 6px);min-width:200px;border-radius:10px;padding:8px}
 .mm a{border-radius:6px;font-size:15px}.mm a:hover{background:var(--soft);text-decoration:none}
 .more .mm[hidden]{display:none}
 .mx{display:none!important}
}
@media(min-width:861px) and (max-width:1100px){header .brand img{height:38px}header nav a,header nav .mb{font-size:13px;padding:10px 5px}header nav .nlbtn{padding:8px 12px;font-size:13px;margin-left:6px}}
header.scrolled{box-shadow:0 2px 14px rgba(27,58,87,.16)}

.feat{display:block;margin:16px 0;padding:16px 18px;border:2px solid var(--acc);border-left-width:6px;border-radius:12px;background:linear-gradient(135deg,#e7eff6,#fff);color:inherit;text-decoration:none}.feat:hover{text-decoration:none;border-color:var(--gold)}.feat .ft{display:block;font-size:12px;letter-spacing:.06em;text-transform:uppercase;color:var(--gold);font-weight:700}.feat strong{display:block;font-family:var(--serif);font-size:20px;color:var(--acc);margin:2px 0 4px}.feat .fs{display:block;font-size:15px;color:var(--mut)}
.stbar{display:flex;align-items:center;gap:10px;margin:12px 0 6px;padding:8px 12px;border:1px solid var(--bd);border-radius:10px;background:var(--card)}
.stbar label{font-weight:700;font-size:14px;color:var(--acc);white-space:nowrap}
.stbar select{flex:1;min-height:44px;font-size:16px;min-width:0}
.sthid{margin:4px 0 10px;font-size:14px}.sthid .lnk{background:none;border:0;padding:10px 4px;min-height:44px;color:var(--acc);text-decoration:underline;font:inherit;cursor:pointer}
.tag.chk{background:#fdf0e1;border-color:#c46a1f;color:#7a3a08}
@media(min-width:861px){.stbar{max-width:420px}}
.tag.chk{display:inline-block;white-space:nowrap;margin-top:6px}
.wl .tp{display:flex;align-items:center;gap:10px;margin:2px 0;font-weight:400;min-height:44px}.wl .tp input{width:22px;height:22px;margin:0;flex:none}.wl .tps{display:block}
.spl{display:inline-block;font-size:12px;color:var(--mut);border:1px solid var(--bd);border-radius:999px;padding:2px 8px;margin-left:6px}
.lc.lr .r{flex-wrap:wrap;gap:4px}.lc.lr .r .rate{flex:1 1 100%;font-size:18px;line-height:1.35}
/* mortgage calc + what-if: clean 2-col grid (20261019c) */
#p1 .calc,#w .calc{grid-template-columns:repeat(2,minmax(0,1fr));gap:16px 20px;margin:16px 0;align-items:start}
#p1 .calc label,#w .calc label{display:grid;grid-template-rows:2.8em 46px auto;align-items:end;gap:6px;min-height:0;font-size:14px;line-height:1.4;color:var(--mut)}
#p1 .calc input:not(.rng),#w .calc input:not(.rng),#p1 .calc select,#w .calc select{box-sizing:border-box;width:100%;height:46px;min-height:46px;margin:0;font-size:16px;align-self:stretch}
#p1 .calc .rng,#w .calc .rng{margin:2px 0 0;align-self:start}
#p1 .res,#w .res{grid-template-columns:repeat(auto-fit,minmax(220px,1fr));align-items:stretch;gap:14px}
#p1 .res .card,#w .res .card{margin:0;height:100%;box-sizing:border-box}
@media(max-width:640px){#p1 .calc,#w .calc,#p1 .res,#w .res{grid-template-columns:1fr}#p1 .calc label,#w .calc label{grid-template-rows:auto 46px auto;font-size:14px}}
.wifcta{display:inline-block;margin:10px 0 18px}
#w .res .card:nth-child(5):last-child{grid-column:1/-1}@media(min-width:641px){#p1 .res{grid-template-columns:repeat(auto-fit,minmax(180px,1fr))}}

#smartcredit{margin:28px 0 24px!important;height:auto!important}
#smartcredit h2{margin-top:0}
/* car insurance pages (2026-10-24) */
.ci-chart{width:100%;height:auto;max-width:720px;display:block;margin:12px 0 4px;background:var(--card);border:1px solid var(--bd);border-radius:10px}
.ci-bc{font-size:14px;margin:6px 0 0}
.ci-stats .big{font-size:26px}
.ci-btns .btn{margin:6px 8px 6px 0;min-width:140px}
.ci-pn{font-size:14px}
.ci-src{margin-top:18px}
table.ci-sort th{cursor:pointer;user-select:none}
table.ci-sort th[aria-sort=ascending]:after{content:" \25B2";font-size:11px}
table.ci-sort th[aria-sort=descending]:after{content:" \25BC";font-size:11px}
#ciq{min-height:40px;padding:6px 10px;border:1px solid var(--bd);border-radius:8px;font-size:16px;max-width:320px;width:100%}
.callout.ci-cta a.btn{color:#1b3a57!important;font-weight:600}
.callout.ci-cta .ci-pn{color:#dde5ee}