:root{--accent:#0B6E4F;--accent-soft:#E4F2EC;--alert:#B4432B;--alert-soft:#F8E7E2;--bg:#FAFAF8;--surface:#FFFFFF;--text:#1C1F1E;--muted:#5C625F;--line:#D9DDDB;--line-strong:#B9BFBC;--focus:#1F6FEB;--radius:8px;--max:1080px;--font:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;--mono:ui-monospace,SFMono-Regular,Menlo,Consolas,monospace}
@media (prefers-color-scheme:dark){:root{--accent:#4FB58F;--accent-soft:#12302A;--alert:#E5785F;--alert-soft:#3A1E17;--bg:#131615;--surface:#1B1F1E;--text:#ECEEED;--muted:#A5ABA8;--line:#2E3432;--line-strong:#4A5250;--focus:#6CA6FF}}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font-family:var(--font);font-size:1.0625rem;line-height:1.55;color:var(--text);background:var(--bg)}
img,svg{max-width:100%;height:auto}
a{color:var(--accent);text-underline-offset:2px}
a:hover{text-decoration-thickness:2px}
h1,h2,h3,h4{line-height:1.2;margin:0 0 .5em;font-weight:700;letter-spacing:-.01em}
h1{font-size:clamp(1.75rem,1.2rem + 2vw,2.5rem);margin-bottom:.35em}
h2{font-size:clamp(1.3rem,1rem + 1vw,1.7rem);margin-top:1.6em}
h3{font-size:1.15rem;margin-top:1.4em}
p{margin:0 0 1em}
ul,ol{padding-left:1.4em;margin:0 0 1em}
li{margin:.25em 0}
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.muted{font-size:.9375rem}
code{font-family:var(--mono);font-size:.9em}
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.skip:focus{left:8px}
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@media (min-width:720px){.wrap{padding:0 24px}}
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.nav a:hover,.nav a[aria-current]{border-bottom-color:var(--accent);color:var(--accent)}
main{padding:1.5rem 0 3rem}
.breadcrumbs{font-size:.875rem;color:var(--muted);margin:0 0 1rem}
.breadcrumbs ol{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:.35em}
.breadcrumbs li+li::before{content:"›";margin-right:.35em;color:var(--line-strong)}
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.site-footer h2{font-size:.85rem;text-transform:uppercase;letter-spacing:.06em;margin:0 0 .5em;color:var(--muted)}
.footer-grid{display:grid;gap:1.5rem;grid-template-columns:1fr}
@media (min-width:720px){.footer-grid{grid-template-columns:2fr 1fr 1fr}}
.site-footer ul{list-style:none;padding:0;margin:0;columns:1}
@media (min-width:480px){.site-footer .cols{columns:2;column-gap:1.5rem}}
.site-footer li{margin:.2em 0;break-inside:avoid}
.site-footer a{color:var(--text)}
.legal{margin-top:1.5rem;padding-top:1rem;border-top:1px solid var(--line)}
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.intro p{margin-bottom:.8em}
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@media (min-width:640px){.grid-2{grid-template-columns:1fr 1fr}}
.grid-3{display:grid;gap:1rem;grid-template-columns:1fr}
@media (min-width:720px){.grid-3{grid-template-columns:repeat(3,1fr)}}
label{display:block;font-weight:600;font-size:.9rem;margin-bottom:.25em}
.field{margin:0 0 .9rem}
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input:invalid,input.is-invalid{border-color:var(--alert)}
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.prefix input{padding-left:1.6em}
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.suffix{position:relative}
.suffix input{padding-right:2em}
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.error{color:var(--alert);font-size:.85rem;margin:.25em 0 0;min-height:1em}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.4em;font:inherit;font-weight:600;color:#fff;background:var(--accent);border:1px solid var(--accent);border-radius:6px;padding:.6em 1.1em;min-height:44px;cursor:pointer;text-decoration:none}
.btn:hover{filter:brightness(1.08)}
.btn-secondary{background:var(--surface);color:var(--accent)}
.btn-ghost{background:transparent;border-color:var(--line-strong);color:var(--text);font-weight:500}
.btn-sm{min-height:36px;padding:.35em .8em;font-size:.9rem}
.btn-row{display:flex;flex-wrap:wrap;gap:.6rem;align-items:center;margin-top:.5rem}
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.debts-table th{text-align:left;font-size:.8rem;color:var(--muted);font-weight:600;padding:0 .35rem .25rem}
.debts-table td{padding:.25rem .35rem;vertical-align:top}
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.debts-table input,.debts-table select{min-width:6.5em}
.debts-table .name-col{min-width:9em}
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details.advanced{margin-top:.5rem}
details summary{cursor:pointer;font-weight:600;color:var(--accent);padding:.4em 0}
details.advanced .grid-2{margin-top:.75rem}
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.results{scroll-margin-top:1rem}
.headline{margin:1.25rem 0}
.headline p{margin:0 0 .35em}
.big{font-size:clamp(2rem,1.3rem + 3vw,3.5rem);font-weight:800;line-height:1.05;letter-spacing:-.02em;margin:0}
.good{color:var(--accent)}
.bad{color:var(--alert)}
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@media (min-width:720px){.stat-grid{grid-template-columns:repeat(4,1fr)}}
.stat{border:1px solid var(--line);border-radius:var(--radius);padding:.75rem;background:var(--surface)}
.stat .l{display:block;font-size:.78rem;color:var(--muted);font-weight:600;text-transform:uppercase;letter-spacing:.04em}
.stat .v{display:block;font-size:1.35rem;font-weight:700;line-height:1.2;margin-top:.2em;overflow-wrap:anywhere}
.table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch;margin:1rem 0;border:1px solid var(--line);border-radius:var(--radius);background:var(--surface)}
table.data{width:100%;border-collapse:collapse;font-size:.95rem;min-width:520px}
table.data th,table.data td{padding:.55em .75em;text-align:right;border-bottom:1px solid var(--line);white-space:nowrap}
table.data th:first-child,table.data td:first-child{text-align:left}
table.data thead th{font-size:.8rem;color:var(--muted);text-transform:uppercase;letter-spacing:.04em;background:var(--bg)}
table.data tbody tr:last-child td{border-bottom:0}
table.data tr.hl td{background:var(--accent-soft);font-weight:600}
table.data td.good{color:var(--accent);font-weight:600}
table.data td.bad{color:var(--alert)}
.decision{margin:1.5rem 0}
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.narration{border-left:4px solid var(--accent);padding:.25rem 0 .25rem 1rem;margin:1.25rem 0}
.narration p{margin:0 0 .6em}
.narration p:last-child{margin:0}
.chart{margin:1.25rem 0}
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.callout.ok{border-left-color:var(--accent)}
.callout p:last-child{margin:0}
.badge{display:inline-block;font-size:.8rem;font-weight:700;padding:.2em .6em;border-radius:999px;border:1px solid currentColor;vertical-align:middle}
.band-excellent,.band-good{color:var(--accent)}
.band-stretched{color:#8A6D00}
.band-high,.band-severe{color:var(--alert)}
.meter{position:relative;height:14px;border-radius:7px;background:linear-gradient(90deg,var(--accent) 0 36%,#C9A227 36% 43%,var(--alert) 43% 100%);margin:1rem 0 1.75rem}
.meter i{position:absolute;top:-6px;width:4px;height:26px;background:var(--text);border-radius:2px;transform:translateX(-50%)}
.meter b{position:absolute;top:18px;font-size:.75rem;color:var(--muted);font-weight:500;transform:translateX(-50%)}
details.schedule{margin:1.25rem 0}
details.schedule summary{font-weight:600}
details.schedule table.data{font-size:.875rem}
.offers{margin:1.5rem 0}
.disclosure{font-size:.85rem;color:var(--muted);margin:0 0 .6rem}
.offer{border:1px solid var(--line);border-radius:var(--radius);background:var(--surface);padding:1rem;margin:.6rem 0}
.offer h3{margin:0 0 .3em;font-size:1.05rem}
.offer p{margin:0 0 .6em;font-size:.95rem}
.offer .partners{display:flex;flex-wrap:wrap;gap:.5rem}
.offer.fallback{border-style:dashed}
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.email-form{display:flex;flex-wrap:wrap;gap:.5rem;align-items:flex-end}
.email-form .field{flex:1 1 220px;margin:0}
.status{font-size:.9rem;margin:.5rem 0 0;color:var(--accent)}
.faq details{border-bottom:1px solid var(--line);padding:.35rem 0}
.faq summary{font-weight:600;color:var(--text);font-size:1.05rem;padding:.5em 0;list-style-position:outside}
.faq details p{margin:.25em 0 .75em}
.related ul{list-style:none;padding:0;margin:0;display:grid;gap:.5rem;grid-template-columns:1fr}
@media (min-width:640px){.related ul{grid-template-columns:1fr 1fr}}
.related a{display:block;border:1px solid var(--line);border-radius:var(--radius);padding:.7rem .9rem;text-decoration:none;color:var(--text);background:var(--surface)}
.related a:hover{border-color:var(--accent)}
.related a b{display:block;color:var(--accent)}
.related a span{font-size:.875rem;color:var(--muted)}
.prose{max-width:720px}
.prose h2{margin-top:1.8em}
.prose li{margin:.35em 0}
.cta-card{border:1px solid var(--accent);background:var(--accent-soft);border-radius:var(--radius);padding:1.1rem 1.25rem;margin:1.75rem 0}
.cta-card p{margin:0 0 .75em}
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@media (min-width:640px){.toolgrid{grid-template-columns:1fr 1fr}}
@media (min-width:960px){.toolgrid{grid-template-columns:1fr 1fr 1fr}}
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.toolgrid span{font-size:.875rem;color:var(--muted)}
.ad-slot{margin:1.25rem 0;text-align:center}
.ad-slot:empty{display:none}
.note{font-size:.875rem;color:var(--muted)}
.mt0{margin-top:0}
[hidden]{display:none!important}
.js-only{display:none}
.js .js-only{display:revert}
.js .nojs-only{display:none}
@media print{.site-header,.site-footer,.offers,.share,.faq,.related,.nav,.ad-slot,.btn,.email-form,details.advanced,.breadcrumbs{display:none!important}body{background:#fff;color:#000;font-size:11pt}.card,.stat,.alt,.table-wrap{border-color:#999;break-inside:avoid}details.schedule{display:block}details.schedule[open] summary,details.schedule summary{display:none}details.schedule>*{display:block}table.data{min-width:0}a{color:#000;text-decoration:none}}