:root{--navy: #1a365d;--navy-ink: #10203a;--slate: #2b6cb0;--slate-soft: #6b9fd4;--card: #f7fafc;--page: #fbfcfe;--line: #d7dde6;--ink: #1f2430;--ink-soft: #64748b;--alert-bg: #fdf1f1;--alert-line: #d97070;--alert-ink: #8a2c2c;--ok-bg: #f0f7f2;--ok-line: #2f855a;--font-display: Georgia, "Times New Roman", serif;--font-ui: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;--radius: 3px;--shadow: 0 1px 2px rgba(26, 54, 93, .06), 0 4px 14px rgba(26, 54, 93, .05)}*{box-sizing:border-box}html,body,#root{height:100%}body{margin:0;background:var(--page);color:var(--ink);font-family:var(--font-ui);-webkit-font-smoothing:antialiased}a{color:var(--slate)}:focus-visible{outline:2px solid var(--slate);outline-offset:2px}.app-shell{display:flex;min-height:100vh;flex-direction:column}.app-header{border-bottom:1px solid var(--line);background:#fff;padding:14px 20px;display:flex;align-items:baseline;gap:10px;position:sticky;top:0;z-index:20}.app-header .brand{font-family:var(--font-display);font-weight:700;font-size:19px;color:var(--navy);letter-spacing:.2px}.app-header .brand-suffix{color:var(--slate);font-style:italic;font-weight:400;font-size:14px}.app-header .tagline{margin-left:auto;font-size:12px;color:var(--ink-soft);font-style:italic;display:none}@media (min-width: 720px){.app-header .tagline{display:block}}.app-body{display:flex;flex:1;min-height:0}.sidebar{width:280px;flex-shrink:0;background:#fff;border-right:1px solid var(--line);overflow-y:auto}.sidebar-toggle{display:none}.sidebar-section-label{font-family:var(--font-ui);font-size:10.5px;letter-spacing:1.2px;text-transform:uppercase;color:var(--ink-soft);padding:16px 16px 6px}.sidebar-item{display:flex;align-items:center;gap:10px;width:100%;border:none;background:transparent;text-align:left;padding:10px 16px;cursor:pointer;font-family:var(--font-ui);font-size:13.5px;color:var(--ink);border-left:3px solid transparent}.sidebar-item:hover{background:var(--card)}.sidebar-item.active{background:var(--card);border-left-color:var(--slate);color:var(--navy);font-weight:600}.sidebar-item .chap{margin-left:auto;font-size:10.5px;color:var(--ink-soft);font-variant:small-caps}.sidebar-item .swatch{width:7px;height:7px;border-radius:50%;background:var(--slate-soft);flex-shrink:0}.sidebar-item.info .swatch{background:var(--ink-soft)}.sidebar-compare{margin:10px 16px 16px;padding:10px 12px;border-radius:var(--radius);border:1px solid var(--navy);background:var(--navy);color:#fff;font-size:13px;font-weight:600;text-align:center;cursor:pointer;width:calc(100% - 32px)}.sidebar-compare:hover{background:var(--navy-ink)}.main{flex:1;min-width:0;overflow-y:auto;padding:28px 32px 60px}@media (max-width: 640px){.main{padding:18px 16px 48px}.sidebar{position:fixed;top:0;right:20%;bottom:0;left:0;z-index:30;transform:translate(-100%);transition:transform .2s ease;box-shadow:var(--shadow)}.sidebar.open{transform:translate(0)}.sidebar-toggle{display:inline-flex}.sidebar-overlay{display:none;position:fixed;top:0;right:0;bottom:0;left:0;background:#10203a59;z-index:25}.sidebar-overlay.open{display:block}}.instrument-title{font-family:var(--font-display);font-size:26px;font-weight:700;color:var(--navy);margin:0 0 2px}.instrument-chapter{font-size:12px;color:var(--ink-soft);font-variant:small-caps;letter-spacing:.8px;margin-bottom:20px}.info-card{background:var(--card);border-left:3px solid var(--ink-soft);border-radius:var(--radius);padding:16px 18px;font-size:14.5px;line-height:1.55;max-width:640px}.info-card a{font-weight:600}.calc-grid{display:grid;grid-template-columns:1fr;gap:20px;max-width:900px}@media (min-width: 860px){.calc-grid{grid-template-columns:340px 1fr;align-items:start}}.form-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px}.field{margin-bottom:16px}.field label{display:block;font-size:12.5px;font-weight:600;color:var(--navy);margin-bottom:6px}.field .hint{font-size:11.5px;color:var(--ink-soft);margin-top:4px}.field input[type=number],.field select{width:100%;padding:9px 10px;border:1px solid var(--line);border-radius:var(--radius);font-size:14px;font-family:var(--font-ui);color:var(--ink);background:#fff}.field input[type=number]:focus,.field select:focus{border-color:var(--slate)}.segmented{display:flex;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}.segmented button{flex:1;padding:8px 6px;border:none;background:#fff;font-size:12.5px;cursor:pointer;color:var(--ink);border-right:1px solid var(--line)}.segmented button:last-child{border-right:none}.segmented button.active{background:var(--navy);color:#fff;font-weight:600}.checkbox-row{display:flex;align-items:center;gap:8px;font-size:13px}.field input[type=range]{width:100%;accent-color:var(--slate);height:20px;cursor:pointer}.field input[type=range]:focus-visible{outline:2px solid var(--slate);outline-offset:3px}.compare-outputs{display:grid;grid-template-columns:1fr;gap:14px;margin-bottom:4px}@media (min-width: 560px){.compare-outputs{grid-template-columns:1fr 1fr}}.compare-outputs .result-card{height:100%}.compare-outputs .result-headline{border-bottom-color:var(--navy)}.compare-outputs .result-headline.delayed{border-bottom-color:#c05621;background:linear-gradient(180deg,#fff,#fdf6f0)}.compare-outputs .result-headline.delayed .figure{color:#9c4221}.compare-outputs .figure{font-size:30px}.result-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}.result-headline{padding:22px 22px 18px;border-bottom:3px solid var(--navy);background:linear-gradient(180deg,#fff 0%,var(--card) 100%)}.result-headline .label{font-size:11.5px;text-transform:uppercase;letter-spacing:1px;color:var(--ink-soft);margin-bottom:4px}.result-headline .figure{font-family:var(--font-display);font-weight:700;font-style:italic;font-size:40px;color:var(--navy);line-height:1.1;word-break:break-word}.result-headline .sub{margin-top:8px;display:flex;gap:18px;flex-wrap:wrap;font-size:12.5px;color:var(--ink-soft)}.result-headline .sub b{color:var(--navy);font-style:italic}.ledger{width:100%;border-collapse:collapse;font-size:12.5px}.ledger thead th{background:var(--navy);color:#fff;text-align:left;padding:8px 10px;font-weight:600;font-size:11.5px}.ledger tbody td{padding:6px 10px;border-bottom:1px solid var(--line)}.ledger tbody tr:nth-child(2n) td{background:var(--card)}.ledger td.num{text-align:right;font-family:var(--font-display);font-style:italic;font-weight:700;color:var(--navy);white-space:nowrap}.ledger-wrap{max-height:320px;overflow-y:auto}.chart-wrap{padding:18px 22px 4px}.alert{margin:14px 0;padding:12px 14px;border-radius:var(--radius);background:var(--alert-bg);border-left:3px solid var(--alert-line);color:var(--alert-ink);font-size:13px;line-height:1.5}.alert-ok{background:var(--ok-bg);border-left-color:var(--ok-line);color:#245c3f}.compare-table-wrap{overflow-x:auto}table.compare{width:100%;border-collapse:collapse;font-size:12.5px;min-width:640px}table.compare th{background:var(--navy);color:#fff;padding:9px 10px;text-align:left;font-size:11.5px}table.compare td{padding:8px 10px;border-bottom:1px solid var(--line)}table.compare tr:nth-child(2n) td{background:var(--card)}table.compare td.num{text-align:right;font-family:var(--font-display);font-style:italic;font-weight:700;color:var(--navy);white-space:nowrap}.disclaimer-footer{border-top:1px solid var(--line);background:#fff;padding:14px 20px;font-size:11.5px;color:var(--ink-soft);line-height:1.5}.disclaimer-footer .rate-meta{margin-top:6px;font-size:10.5px;color:#94a3b8}.skip-link{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:8px 12px;z-index:100}.skip-link:focus{left:8px;top:8px}@media (prefers-reduced-motion: reduce){*{transition:none!important;animation:none!important}}.home-group-title{font-family:var(--font-display);font-size:15px;font-weight:700;margin-bottom:2px;padding-left:8px;border-left:3px solid var(--slate)}.home-group-online{border-left-color:var(--ok-line);color:#245c3f}.home-group-conditional{border-left-color:#b7791f;color:#92400e}.home-group-offline{border-left-color:var(--alert-line);color:var(--alert-ink)}.home-card-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:10px;max-width:900px}.home-card{text-align:left;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:12px 14px;cursor:pointer;font-family:var(--font-ui);transition:border-color .15s 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