:root{--paper:#e9edf0;--surface:#fff;--surface-2:#f4f6f8;--ink:#0e2135;--ink-2:#3a566e;--muted:#71879a;--line:#d2dbe2;--line-2:#e3e9ed;--alert:#c7411a;--alert-soft:#f7e7e0;--good:#0f6b4f;--good-soft:#e2efe9;--gold:#a8761a;--shadow:0 1px 2px #0e21350f, 0 8px 24px -12px #0e21352e;--band:#0e2135;--band-deep:#0a1929;--band-ink:#e9edf0;--band-ink-2:#e9edf0b8;--band-muted:#e9edf085;--band-line:#e9edf029;--band-line-2:#e9edf017;--band-surface:#fff;--gut:24px;--ease:cubic-bezier(.22, .61, .36, 1)}@media (prefers-color-scheme:dark){:root:not([data-theme=light]){--paper:#0a131c;--surface:#101e2b;--surface-2:#152534;--ink:#e7eef4;--ink-2:#a9bece;--muted:#7d95a7;--line:#25394b;--line-2:#1c2e3e;--alert:#f0703f;--alert-soft:#2a1710;--good:#4fbf97;--good-soft:#0f2a22;--gold:#d9a63f;--shadow:0 1px 2px #0006, 0 10px 30px -14px #000000b3;--band:#050c14;--band-deep:#030810;--band-ink:#e7eef4;--band-ink-2:#a9bece;--band-muted:#7d95a7;--band-line:#1b2c3c;--band-line-2:#132131;--band-surface:#101e2b}}:root[data-theme=dark]{--paper:#0a131c;--surface:#101e2b;--surface-2:#152534;--ink:#e7eef4;--ink-2:#a9bece;--muted:#7d95a7;--line:#25394b;--line-2:#1c2e3e;--alert:#f0703f;--alert-soft:#2a1710;--good:#4fbf97;--good-soft:#0f2a22;--gold:#d9a63f;--shadow:0 1px 2px #0006, 0 10px 30px -14px #000000b3;--band:#050c14;--band-deep:#030810;--band-ink:#e7eef4;--band-ink-2:#a9bece;--band-muted:#7d95a7;--band-line:#1b2c3c;--band-line-2:#132131;--band-surface:#101e2b}*{box-sizing:border-box}html{scroll-behavior:smooth}body{background:var(--paper);color:var(--ink);-webkit-font-smoothing:antialiased;margin:0;font-family:Newsreader,Georgia,Times New Roman,serif;font-size:18px;line-height:1.6}h1,h2,h3,.disp{text-wrap:balance;letter-spacing:-.03em;margin:0;font-family:Archivo,Helvetica Neue,Arial,sans-serif}.mono,.num{font-variant-numeric:tabular-nums;font-family:IBM Plex Mono,ui-monospace,Menlo,monospace}.wrap{max-width:1140px;padding:0 var(--gut);margin:0 auto}.narrow{max-width:700px}a{color:inherit}button{font:inherit}::selection{background:var(--alert);color:#fff}.eyebrow{letter-spacing:.18em;text-transform:uppercase;color:var(--muted);font-family:IBM Plex Mono,monospace;font-size:11px;display:block}.on-band .eyebrow{color:var(--band-muted)}.gauge,.panel,.result,.rbody,.rcta{color:var(--ink)}.gauge .eyebrow,.panel .eyebrow,.rbody .eyebrow{color:var(--muted)}.js-anim [data-reveal]{opacity:0;will-change:opacity, transform;transform:translateY(18px)}.js-anim [data-reveal].in{opacity:1;transition:opacity .72s var(--ease), transform .72s var(--ease);transition-delay:calc(var(--i,0) * 70ms);transform:none}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}.js-anim [data-reveal],.js-anim [data-reveal].in{opacity:1!important;transition:none!important;transform:none!important}.js-anim .fill,.js-anim .cmp-bar i{width:var(--w)!important;transition:none!important}.progress{display:none}*{transition-duration:.001ms!important;animation-duration:.001ms!important}}.progress{width:100%;height:2px;transform:scaleX(var(--p,0));transform-origin:0;background:var(--alert);z-index:60;pointer-events:none;position:fixed;inset:0 auto auto 0}.logo{flex-direction:column;gap:5px;line-height:1;text-decoration:none;display:inline-flex}.logo-word{letter-spacing:-.035em;color:var(--ink);white-space:nowrap;font-family:Archivo,sans-serif;font-size:21px;font-weight:800}.logo-word i{color:var(--alert);font-style:normal}.logo-meter{background:var(--line);border-radius:1px;width:100%;height:3px;display:block;overflow:hidden}.logo-meter i{background:var(--alert);width:44%;height:100%;display:block}.logo-desc{letter-spacing:.16em;text-transform:uppercase;color:var(--muted);font-family:IBM Plex Mono,monospace;font-size:9.5px}.on-band .logo-word{color:var(--band-ink)}.on-band .logo-meter{background:var(--band-line)}.on-band .logo-desc{color:var(--band-muted)}.topbar{z-index:50;background:color-mix(in srgb, var(--paper) 88%, transparent);-webkit-backdrop-filter:saturate(180%)blur(12px);transition:border-color .3s var(--ease), background .3s var(--ease);border-bottom:1px solid #0000;position:sticky;top:0}.topbar.scrolled{border-bottom-color:var(--line);background:color-mix(in srgb, var(--paper) 96%, transparent)}.topbar .wrap{justify-content:space-between;align-items:center;gap:16px;height:68px;display:flex}.cta-mini{border:1px solid var(--line);color:var(--ink-2);transition:border-color .2s var(--ease), color .2s var(--ease), background .2s var(--ease);border-radius:2px;padding:9px 16px;font-family:Archivo,sans-serif;font-size:13.5px;font-weight:600;text-decoration:none}.cta-mini:hover{border-color:var(--ink);color:var(--ink);background:var(--surface)}.btn{cursor:pointer;letter-spacing:-.01em;background:var(--good);color:#fff;border:1px solid var(--good);transition:transform .18s var(--ease), box-shadow .25s var(--ease), filter .2s var(--ease);border-radius:2px;align-items:center;gap:10px;padding:16px 26px;font-family:Archivo,sans-serif;font-size:16px;font-weight:700;text-decoration:none;display:inline-flex}.btn:hover{filter:brightness(1.1);transform:translateY(-1px);box-shadow:0 8px 22px -10px #0f6b4f99}.btn:active{transform:translateY(0)}.btn .arrow{transition:transform .25s var(--ease)}.btn:hover .arrow{transform:translate(4px)}.btn.ghost{color:var(--band-ink);border-color:var(--band-line);background:0 0}.btn.ghost:hover{background:var(--band-line-2);border-color:var(--band-ink);filter:none;box-shadow:none}.btn:focus-visible,.choices button:focus-visible,input:focus-visible,summary:focus-visible{outline:2px solid var(--alert);outline-offset:3px}.hero{background:var(--band);color:var(--band-ink);padding:96px 0 88px;overflow:hidden}.hero-grid{grid-template-columns:1.08fr .92fr;align-items:center;gap:64px;display:grid}.hero h1{letter-spacing:-.038em;color:var(--band-ink);margin:20px 0 22px;font-size:clamp(40px,5.6vw,66px);font-weight:800;line-height:1}.hero h1 em{color:var(--alert);font-style:normal}.hero .lede{color:var(--band-ink-2);max-width:47ch;margin:0 0 32px;font-size:20px}.hero .fineprint{letter-spacing:.1em;text-transform:uppercase;color:var(--band-muted);margin-top:18px;font-family:IBM Plex Mono,monospace;font-size:11px}.hero-actions{flex-wrap:wrap;align-items:center;gap:12px;display:flex}.gauge{background:var(--band-surface);border-radius:3px;padding:30px;box-shadow:0 24px 60px -30px #000000b3}.gauge .cap{justify-content:space-between;align-items:baseline;gap:12px;display:flex}.gauge .big{letter-spacing:-.05em;color:var(--alert);font-variant-numeric:tabular-nums;margin:14px 0 4px;font-family:Archivo,sans-serif;font-size:clamp(64px,8vw,88px);font-weight:800;line-height:.92}.gauge .sub{color:var(--ink-2);max-width:34ch;margin:0 0 26px;font-size:15px}.bars{flex-direction:column;gap:15px;display:flex}.bar-row{grid-template-columns:64px 1fr 42px;align-items:center;gap:14px;display:grid}.bar-row .lbl{color:var(--muted);letter-spacing:.04em;font-family:IBM Plex Mono,monospace;font-size:11px}.track{background:var(--surface-2);border-radius:1px;height:9px;overflow:hidden}.fill{background:var(--ink-2);height:100%;width:var(--w)}.fill.hot{background:var(--alert)}.js-anim .fill{width:0}.js-anim .in .fill{width:var(--w);transition:width 1.05s var(--ease);transition-delay:calc(var(--i,0) * 90ms + .18s)}.bar-row .val{text-align:right;font-family:IBM Plex Mono,monospace;font-size:12px;font-weight:600}.gauge footer{border-top:1px solid var(--line-2);color:var(--muted);margin-top:20px;padding-top:16px;font-size:12px;line-height:1.5}.facts{background:var(--surface);border-bottom:1px solid var(--line);padding:0}.facts-grid{background:var(--line-2);grid-template-columns:repeat(4,1fr);gap:1px;display:grid}.fact{background:var(--surface);transition:background .3s var(--ease);padding:32px 26px}.fact:hover{background:var(--surface-2)}.fact .n{letter-spacing:-.04em;font-variant-numeric:tabular-nums;font-family:Archivo,sans-serif;font-size:38px;font-weight:800;line-height:1;display:block}.fact .t{color:var(--ink-2);margin-top:12px;font-size:14.5px;line-height:1.45;display:block}.fact .src{color:var(--muted);letter-spacing:.14em;text-transform:uppercase;margin-top:16px;font-family:IBM Plex Mono,monospace;font-size:9.5px;display:block}.section{border-bottom:1px solid var(--line);padding:88px 0}.sec-mark{align-items:center;gap:14px;margin-bottom:22px;display:flex}.sec-mark .no{letter-spacing:.12em;color:var(--gold);font-family:IBM Plex Mono,monospace;font-size:12px;font-weight:600}.sec-mark .rule{background:var(--gold);opacity:.4;flex:1;max-width:56px;height:1px}.on-band .sec-mark .rule{opacity:.55}.section h2{letter-spacing:-.035em;margin-bottom:22px;font-size:clamp(28px,3.6vw,42px);font-weight:800;line-height:1.06}.section p{color:var(--ink-2);margin:0 0 20px}.section p strong{color:var(--ink);font-weight:500}.timeline{flex-direction:column;margin:40px 0 0;padding:0;list-style:none;display:flex}.timeline li{border-top:1px solid var(--line-2);grid-template-columns:92px 1fr;gap:24px;padding:20px 0;display:grid}.timeline li:last-child{border-bottom:1px solid var(--line-2)}.timeline .yr{color:var(--gold);letter-spacing:.06em;padding-top:4px;font-family:IBM Plex Mono,monospace;font-size:13px;font-weight:600}.timeline .tx{color:var(--ink-2);font-size:17px}.timeline .tx b{color:var(--ink);font-weight:500}#sim{background:var(--band);color:var(--band-ink);padding:88px 0}#sim h2{color:var(--band-ink);letter-spacing:-.035em;margin-bottom:16px;font-size:clamp(28px,3.6vw,42px);font-weight:800;line-height:1.06}.sim-head{max-width:660px;margin-bottom:44px}.sim-head p{color:var(--band-ink-2);margin:0}.sim-grid{grid-template-columns:1fr 1.06fr;align-items:stretch;gap:28px;display:grid}.panel{background:var(--band-surface);border-radius:3px;padding:30px;position:sticky;top:88px}.field{margin-bottom:28px}.field:last-child{margin-bottom:0}.field label{color:var(--ink);justify-content:space-between;align-items:baseline;gap:12px;margin-bottom:12px;font-family:Archivo,sans-serif;font-size:14px;font-weight:600;display:flex}.field .readout{color:var(--ink);font-variant-numeric:tabular-nums;font-family:IBM Plex Mono,monospace;font-size:15px;font-weight:600}input[type=range]{width:100%;accent-color:var(--ink-2);cursor:pointer;height:22px}.choices{grid-template-columns:repeat(3,1fr);gap:8px;display:grid}.choices button{cursor:pointer;background:var(--surface);border:1px solid var(--line);color:var(--ink-2);transition:background .2s var(--ease), color .2s var(--ease), border-color .2s var(--ease);border-radius:2px;padding:12px 8px;font-family:Archivo,sans-serif;font-size:12.5px;font-weight:600;line-height:1.25}.choices button:hover{border-color:var(--ink-2)}.choices button[aria-pressed=true]{background:var(--ink);border-color:var(--ink);color:var(--surface)}.hint{color:var(--muted);margin-top:10px;font-size:13px;line-height:1.45}.result{background:var(--band-surface);border-radius:3px;overflow:hidden;box-shadow:0 24px 60px -30px #000000b3}.result .rhead{background:var(--band-deep);color:var(--band-ink);padding:26px 28px}.result .rhead .eyebrow{color:var(--band-muted)}.result .rhead .amount{letter-spacing:-.04em;font-variant-numeric:tabular-nums;margin-top:10px;font-family:Archivo,sans-serif;font-size:clamp(40px,5vw,52px);font-weight:800;line-height:1.02}.result .rhead .note{color:var(--band-ink-2);margin-top:8px;font-size:14px}.rbody{padding:24px 28px}.line{border-bottom:1px solid var(--line-2);justify-content:space-between;align-items:baseline;gap:16px;padding:13px 0;font-size:15px;display:flex}.line:last-of-type{border-bottom:0}.line .k{color:var(--ink-2)}.line .v{font-variant-numeric:tabular-nums;text-align:right;color:var(--ink);font-family:IBM Plex Mono,monospace;font-weight:600}.line .v.alert{color:var(--alert)}.line .v.good{color:var(--good)}.flag{background:var(--alert-soft);border-left:3px solid var(--alert);color:var(--ink);align-items:flex-start;gap:12px;margin:18px 0 0;padding:16px 18px;font-size:14.5px;line-height:1.5;display:flex}.flag.ok{background:var(--good-soft);border-left-color:var(--good)}.scen{background:var(--line-2);border:1px solid var(--line-2);grid-template-columns:repeat(3,1fr);gap:1px;margin-top:20px;display:grid}.scen div{background:var(--surface);text-align:center;padding:16px 12px}.scen .sl{letter-spacing:.12em;text-transform:uppercase;color:var(--muted);font-family:IBM Plex Mono,monospace;font-size:9.5px;display:block}.scen .sv{letter-spacing:-.025em;font-variant-numeric:tabular-nums;margin-top:8px;font-family:Archivo,sans-serif;font-size:21px;font-weight:700;display:block}.rcta{border-top:1px solid var(--line);background:var(--surface-2);padding:24px 28px}.rcta .btn{justify-content:center;width:100%}.rcta .fine{color:var(--muted);text-align:center;margin-top:14px;font-size:12px;line-height:1.5}.consent{color:var(--ink-2);align-items:flex-start;gap:10px;margin-bottom:16px;font-size:13px;line-height:1.45;display:flex}.consent.error{color:var(--alert)}.consent a{color:var(--ink);-webkit-text-decoration-color:var(--alert);-webkit-text-decoration-color:var(--alert);text-decoration-color:var(--alert);text-underline-offset:2px}footer.site a{color:var(--band-ink-2);-webkit-text-decoration-color:var(--alert);-webkit-text-decoration-color:var(--alert);text-decoration-color:var(--alert);text-underline-offset:3px}footer.site a:hover{color:var(--band-ink)}.consent input{accent-color:var(--good);flex:none;margin-top:3px}.namefields{grid-template-columns:1fr 1fr;gap:10px;margin-bottom:16px;display:grid}.namefields input{border:1px solid var(--line);background:var(--surface);width:100%;color:var(--ink);transition:border-color .2s var(--ease);border-radius:2px;padding:12px 13px;font-family:Archivo,sans-serif;font-size:14px}.namefields input:hover{border-color:var(--ink-2)}.namefields input.error{border-color:var(--alert)}.field-error{color:var(--alert);margin:-6px 0 14px;font-size:12.5px;line-height:1.45}.namefields input::placeholder{color:var(--muted)}.compare{flex-direction:column;gap:26px;margin:40px 0 0;display:flex}.cmp-row .cmp-top{justify-content:space-between;align-items:baseline;gap:16px;margin-bottom:10px;display:flex}.cmp-row .cmp-lbl{letter-spacing:.14em;text-transform:uppercase;color:var(--muted);font-family:IBM Plex Mono,monospace;font-size:11px}.cmp-row .cmp-val{letter-spacing:-.035em;font-variant-numeric:tabular-nums;font-family:Archivo,sans-serif;font-size:30px;font-weight:800}.cmp-row .cmp-bar{background:var(--line-2);border-radius:1px;height:22px;overflow:hidden}.cmp-row .cmp-bar i{height:100%;width:var(--w);background:var(--ink);display:block}.js-anim .cmp-bar i{width:0}.cmp-row.is-alert .cmp-val{color:var(--alert)}.cmp-row.is-alert .cmp-bar i{background:var(--alert)}.js-anim .in .cmp-bar i{width:var(--w);transition:width 1.15s var(--ease);transition-delay:calc(var(--i,0) * .14s + .2s)}details{border-top:1px solid var(--line-2);padding:20px 0}details:last-of-type{border-bottom:1px solid var(--line-2)}summary{cursor:pointer;justify-content:space-between;align-items:center;gap:16px;font-family:Archivo,sans-serif;font-size:17px;font-weight:600;list-style:none;display:flex}summary::-webkit-details-marker{display:none}summary:after{content:"+";color:var(--muted);transition:transform .25s var(--ease), color .2s var(--ease);flex:none;font-family:IBM Plex Mono,monospace;font-size:18px;font-weight:400}summary:hover:after{color:var(--ink)}details[open] summary:after{content:"+";color:var(--alert);transform:rotate(45deg)}details p{color:var(--ink-2);max-width:64ch;margin:14px 0 0;font-size:16px}.close{background:var(--band);color:var(--band-ink);text-align:center;padding:104px 0}.close h2{letter-spacing:-.04em;max-width:24ch;color:var(--band-ink);margin:0 auto 20px;font-size:clamp(30px,4.4vw,50px);font-weight:800;line-height:1.05}.close p{color:var(--band-ink-2);max-width:54ch;margin:0 auto 32px}.close .eyebrow{margin-bottom:18px}footer.site{background:var(--band-deep);color:var(--band-muted);padding:44px 0;font-size:13px;line-height:1.65}footer.site .foot-top{border-bottom:1px solid var(--band-line-2);justify-content:space-between;align-items:flex-start;gap:24px;margin-bottom:26px;padding-bottom:26px;display:flex}footer.site .foot-site{letter-spacing:.14em;text-transform:uppercase;font-family:IBM Plex Mono,monospace;font-size:11px}footer.site strong{color:var(--band-ink-2);font-weight:500}footer.site p{margin:0 0 14px}footer.site p:last-child{margin-bottom:0}.legal{padding:64px 0 84px}.legal h1{letter-spacing:-.035em;margin:14px 0 18px;font-size:clamp(30px,4vw,44px);font-weight:800;line-height:1.06}.legal h2{letter-spacing:-.02em;border-top:1px solid var(--line-2);margin:40px 0 12px;padding-top:22px;font-size:20px;font-weight:700}.legal .lede{color:var(--ink-2);margin:0 0 12px;font-size:18px}.legal p{color:var(--ink-2);margin:0 0 16px}.legal strong{color:var(--ink);font-weight:500}.legal ul{color:var(--ink-2);margin:0 0 18px;padding-left:22px;list-style:outside}.legal li::marker{color:var(--muted)}.legal li{margin-bottom:10px}.legal a{color:var(--ink);-webkit-text-decoration-color:var(--alerta,var(--alert));-webkit-text-decoration-color:var(--alerta,var(--alert));text-decoration-color:var(--alerta,var(--alert));text-underline-offset:3px}@media (width<=940px){.panel{position:static}.hero-grid,.sim-grid{grid-template-columns:1fr;gap:44px}.facts-grid{grid-template-columns:repeat(2,1fr)}.hero{padding:64px 0 56px}.section,#sim{padding:64px 0}.close{padding:76px 0}}@media (width<=560px){:root{--gut:18px}body{font-size:17px}.facts-grid,.choices,.namefields{grid-template-columns:1fr}.timeline li{grid-template-columns:1fr;gap:6px}.gauge,.panel{padding:22px}.rbody,.rcta,.result .rhead{padding-left:20px;padding-right:20px}.topbar .wrap{height:60px}.cta-mini{padding:8px 12px;font-size:12.5px}.foot-top{flex-direction:column}}