:root{--ink:#173d37;--dark:#102e2b;--green:#17684e;--lime:#d6e8a3;--paper:#f4f5ef;--line:#dce2d8;--muted:#65726c}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font:15px/1.55 -apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}a{color:inherit;text-decoration:none}a:hover{text-decoration:underline}button,input,select,textarea{font:inherit}button,.button{border:0;background:var(--green);color:white;padding:13px 18px;border-radius:7px;cursor:pointer;font-weight:650;display:inline-block;text-align:center}button:hover,.button:hover{background:#115740;text-decoration:none}button:focus-visible,a:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid #91af40;outline-offset:3px}h1,h2,h3,p{margin-top:0}h1{font-family:Georgia,"Times New Roman",serif;font-weight:400;line-height:1.06;letter-spacing:-2.2px;font-size:clamp(38px,4.3vw,64px);margin-bottom:22px}h1 em{font-style:normal;color:#50806b}h2{font-size:25px;letter-spacing:-.7px;line-height:1.2;margin-bottom:16px}h3{font-size:17px;line-height:1.35}small,.micro{font-size:12px;color:var(--muted);line-height:1.6}.subtle{color:var(--muted)}.topbar{background:var(--dark);color:#fff;min-height:83px;display:flex;align-items:center;gap:45px;padding:18px max(26px,calc((100vw - 1400px)/2))}.brand{display:flex;align-items:center;font-size:23px;font-weight:720;letter-spacing:-.8px;white-space:nowrap}.brand>span:last-child{font-weight:420}.logo{width:37px;height:37px;background:var(--lime);color:var(--dark);border-radius:9px;margin-right:10px;display:inline-flex;align-items:center;justify-content:center;font:italic bold 25px Georgia}.logo span{font-size:19px}.topbar nav{display:flex;gap:28px;font-size:14px}.topbar nav a{color:#d2dfd6;padding:9px 0}.topbar nav a[aria-current]{color:var(--lime);border-bottom:2px solid var(--lime)}.feedback-link{font-size:13px;margin-left:auto;color:#d4e0d6}main{max-width:1400px;margin:auto;padding:0 28px}.hero{display:flex;justify-content:space-between;gap:50px;padding:54px 0 38px;align-items:center}.hero>div:first-child{max-width:850px}.hero p:not(.eyebrow){max-width:690px;color:var(--muted);font-size:17px;margin:0}.eyebrow{font-size:10px;font-weight:750;letter-spacing:1.8px;margin-bottom:16px;color:var(--green)}.hero-note{border-left:1px solid #cdd8cb;padding-left:32px;min-width:245px}.hero-note strong{display:block;font-size:17px;line-height:1.5;margin:12px 0}.hero-note>span:last-child{color:var(--muted);font-size:12px}.mini-mark{background:#e5ebd5;border-radius:50%;width:42px;height:42px;display:grid;place-items:center;font-size:23px}.screener{background:white;border:1px solid var(--line);border-radius:13px;box-shadow:0 10px 30px #173d3705;overflow:hidden}.screener-top{display:flex;justify-content:space-between;align-items:center;padding:25px 26px 18px}.screener-top .eyebrow{margin-bottom:7px}.screener-top h2{font-size:21px;margin:0}.live-indicator{font-size:12px;color:var(--green)}.filters{display:grid;grid-template-columns:minmax(220px,2fr) minmax(180px,1.2fr) minmax(150px,1fr) auto;gap:14px;padding:0 26px 18px;align-items:end}label{font-size:12px;color:#50625a;font-weight:650;display:block}input,select,textarea{width:100%;border:1px solid #cdd7cd;border-radius:6px;background:#fff;color:var(--ink);padding:12px 10px;margin-top:6px;font-size:14px;min-width:0}input[type=search]{background:#f6f8f3}.more-filters{grid-column:1/-1;font-size:12px;color:var(--muted)}summary{cursor:pointer}.advanced{display:grid;grid-template-columns:repeat(3,1fr);gap:15px;padding-top:12px}.quick-links{display:flex;gap:9px;flex-wrap:wrap;align-items:center;padding:0 26px 20px;font-size:11px}.quick-links span{color:var(--muted);margin-right:5px}.quick-links a{border:1px solid var(--line);padding:5px 11px;border-radius:20px}.quick-links a:hover{background:#edf4e4;text-decoration:none}.results-bar{border-top:1px solid var(--line);padding:13px 26px;background:#f8faf5;display:flex;justify-content:space-between;font-size:12px}.results-bar span{color:var(--muted);font-size:11px}.market-table{width:100%;border-collapse:collapse;font-size:13px}.market-table th{font-size:10px;font-weight:650;letter-spacing:.5px;text-align:left;text-transform:uppercase;color:var(--muted);padding:14px 16px;background:#fff;border-bottom:1px solid var(--line)}.market-table th:first-child,.market-table td:first-child{padding-left:26px}.market-table th small{font-size:9px;text-transform:none}.market-table td{padding:19px 16px;border-bottom:1px solid #e9ede5;vertical-align:middle}.market-table tr:hover{background:#fafcf7}.contract-title{width:42%;max-width:490px}.contract-title>a{font-size:14px;font-weight:650;line-height:1.45;display:block}.contract-title>div{font-size:10px;color:var(--muted);margin-top:7px}.contract-title>div>span:not(.category-dot){margin-left:3px}.category-dot{display:inline-block;width:5px;height:5px;border-radius:50%;background:#90a46c;margin:0 5px 1px 0}.outcome-label{display:inline-block;padding:3px 9px;background:#edf3e6;border-radius:5px;font-size:11px;max-width:130px}.return-cell{font-weight:650;color:var(--green);white-space:nowrap}.return-cell small{display:block;font-weight:400;font-size:9px;white-space:normal}.row-arrow{display:grid;place-items:center;background:#f0f4e9;border-radius:50%;width:27px;height:27px;font-size:18px}meter{width:64px;height:5px;display:block;margin-top:6px;border:0;border-radius:10px;background:#e8ede2}meter::-webkit-meter-bar{background:#e8ede2;border:0;height:5px}meter::-webkit-meter-optimum-value{background:#6e9160}meter::-moz-meter-bar{background:#6e9160}.pagination{padding:18px 26px;display:flex;justify-content:space-between;font-size:12px}.pagination a{padding:7px 12px;border:1px solid var(--line);border-radius:5px;margin-left:8px}.table-note{padding:16px 26px;margin:0;background:#f7f9f3;color:var(--muted);font-size:11px;line-height:1.7}.table-note a{text-decoration:underline}.research-strip{display:grid;grid-template-columns:1.1fr repeat(3,1fr);gap:25px;padding:48px 0 55px}.research-strip>div{padding-right:15px}.research-strip>div h2{font-family:Georgia,serif;font-weight:400;font-size:25px}.research-strip>a{padding-left:22px;border-left:1px solid #ccd8c9}.research-strip>a>span{font-size:9px;letter-spacing:1px;color:var(--muted)}.research-strip h3{margin:14px 0 8px}.research-strip p{font-size:12px;color:var(--muted)}.research-strip b{font-size:11px}.site-footer{border-top:1px solid #d1dbce;max-width:1344px;margin:auto;padding:32px 0;display:grid;grid-template-columns:1fr 1fr;gap:24px}.site-footer .brand{font-size:21px}.site-footer>div:first-child p{font-size:12px;color:var(--muted);margin-top:9px}.site-footer>div:nth-child(2){display:flex;justify-content:flex-end;gap:22px;font-size:12px;flex-wrap:wrap;align-content:start}.site-footer>.micro{grid-column:1/-1}.breadcrumbs{display:flex;gap:10px;color:var(--muted);font-size:12px;padding:28px 0 18px}.contract-hero{max-width:1000px;padding:14px 0 26px}.contract-hero h1{font-size:clamp(32px,3.2vw,48px);letter-spacing:-1.3px;line-height:1.15}.contract-meta{display:flex;gap:40px;flex-wrap:wrap;font-size:11px;color:var(--muted)}.contract-meta strong{display:block;font-size:15px;color:var(--ink);margin-top:4px}.pill{font-size:10px;letter-spacing:0;background:#e6edda;color:var(--green);padding:5px 9px;border-radius:20px;margin-left:12px;font-weight:500}.detail-grid{display:grid;grid-template-columns:minmax(0,1fr) 355px;gap:25px;padding-bottom:45px}.panel{background:#fff;border:1px solid var(--line);border-radius:12px;padding:27px;margin-bottom:22px}.section-title{display:flex;align-items:start;justify-content:space-between;gap:10px}.section-title .eyebrow{margin-bottom:9px}.rule-summary{font-size:18px;line-height:1.6}.rule-block{border-top:1px solid var(--line);padding-top:18px;margin-top:18px}.rule-block h3{font-size:13px;margin-bottom:8px}.rule-block p{font-size:14px;color:#4f6059}.rule-caution{border-left:3px solid #c69a51;background:#faf7ed;padding:16px 20px;margin:20px 0}.rule-caution p{font-size:13px;margin:0}.rule-caution h3{font-size:13px;margin-bottom:8px}.original-rules{border-top:1px solid var(--line);padding-top:16px}.original-rules summary{font-weight:650;font-size:13px}.preline{white-space:pre-wrap;overflow-wrap:anywhere;font-size:13px;line-height:1.8;color:#536259;padding-top:16px}.outcome-grid{display:grid;grid-template-columns:1fr 1fr;gap:15px}.outcome{border:1px solid var(--line);border-radius:8px;padding:18px}.outcome>div{display:flex;justify-content:space-between;gap:10px}.outcome>div>span{font-size:22px;font-weight:600}.outcome meter{width:100%;height:8px;margin:12px 0}.outcome small{display:block}.quiet{background:#eff4e8;color:var(--ink);padding:8px 10px;font-size:12px;margin-top:15px}.quiet:hover{background:#dfe9d0}.calculator{position:sticky;top:20px}.calculator h2{margin-bottom:8px}.calculator .subtle{font-size:12px}.calculator label{margin-bottom:12px}.form-pair{display:grid;grid-template-columns:1fr 1fr;gap:13px}.calculator button,.source-button{width:100%}.calc-row{display:flex;justify-content:space-between;gap:15px;font-size:12px;border-bottom:1px solid var(--line);padding:10px 0}.calc-row strong{font-size:15px}.annual-result{background:#eef4e5;border:0;padding:20px 15px;margin:18px -6px 0;border-radius:8px;align-items:center}.annual-result strong{font-size:30px;color:var(--green)}.loss-result strong{color:#9d433c}.calculator .micro{margin-top:15px;font-size:11px}.source-button{font-size:13px}.alert,.topic-note{padding:16px 22px;border-radius:8px;background:#faf3df;color:#715626;font-size:13px;margin:0 0 22px}.topic-note{background:#e9efe0;color:var(--ink)}.screener .alert{margin:14px 24px}.stale{color:#8b571d}.empty{padding:50px 25px;text-align:center}.empty p{color:var(--muted)}.article{max-width:850px;line-height:1.8;margin-bottom:60px}.article h3{margin-top:26px}.article a{text-decoration:underline}.article .button{text-decoration:none}.editorial{max-width:900px}.skip{position:absolute;left:-10000px}.skip:focus{left:10px;top:10px;background:white;padding:12px;z-index:10}.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0,0,0,0)}.trap{position:absolute;left:-10000px}body>header:not(.topbar){background:var(--dark);color:white;display:flex;justify-content:space-between;padding:25px}body>main>h1{margin-top:40px}body>main>form{max-width:700px}body>main>p.message{max-width:800px}body>main>footer{margin:40px 0}
@media(min-width:1600px){main{padding:0}.topbar{padding-right:calc((100vw - 1400px)/2);padding-left:calc((100vw - 1400px)/2)}}
@media(max-width:1100px){.topbar{gap:28px}.feedback-link{display:none}.hero-note{display:none}.filters{grid-template-columns:2fr 1fr 1fr}.filters>button{grid-column:1/-1}.research-strip{grid-template-columns:1fr 1fr}.research-strip>div{grid-column:1/-1}.detail-grid{grid-template-columns:minmax(0,1fr) 320px}.market-table td,.market-table th{padding:14px 10px}.site-footer{margin:0 28px}}
@media(max-width:760px){.topbar{padding:16px 20px;display:block}.topbar nav{margin-top:14px;gap:22px;overflow:auto;font-size:12px;white-space:nowrap}.brand{font-size:22px}main{padding:0 18px}.hero{padding:35px 0 27px}.hero h1{font-size:39px;letter-spacing:-1.5px}.hero p:not(.eyebrow){font-size:14px}.eyebrow{font-size:9px;letter-spacing:1.2px}.screener-top{padding:20px;display:block}.live-indicator{display:block;margin-top:12px}.filters{padding:0 20px 15px;grid-template-columns:1fr 1fr}.search-field{grid-column:1/-1}.filters>button{padding:12px}.advanced{grid-template-columns:1fr 1fr}.quick-links{padding:0 20px 16px;gap:6px}.results-bar{padding:12px 20px;display:block}.results-bar span{display:block;margin-top:4px}.market-table,.market-table tbody{display:block}.market-table thead{display:none}.market-table tr{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));padding:18px 20px;border-bottom:1px solid var(--line);position:relative;gap:12px}.market-table td{display:block;padding:0;border:0;font-size:12px}.market-table td:first-child{padding:0}.contract-title{grid-column:1/-1;width:auto;max-width:none;padding-right:25px!important}.contract-title>a{font-size:15px}.market-table td[data-label]:before{content:attr(data-label);display:block;font-size:9px;color:var(--muted);font-weight:400;margin-bottom:5px}.market-table td:last-child{position:absolute;right:15px;bottom:18px}.market-table td:nth-child(6){padding-right:25px}.market-table meter{width:80px}.return-cell small{font-size:9px}.table-note{padding:16px 20px}.research-strip{display:block;padding:32px 0}.research-strip>a{display:block;margin-top:25px}.site-footer{margin:0 18px;grid-template-columns:1fr}.site-footer>div:nth-child(2){justify-content:flex-start;gap:18px}.detail-grid{display:flex;flex-direction:column}.calculator{position:static}.contract-hero h1{font-size:33px}.contract-meta{gap:20px}.panel{padding:20px}.section-title{display:block}.section-title .pill{margin:0 0 15px;display:inline-block}.outcome-grid{grid-template-columns:1fr}.breadcrumbs{flex-wrap:wrap}.annual-result strong{font-size:28px}.hero.editorial h1{font-size:36px}.contract-hero .pill{display:inline-block}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

/* Shared feedback and privacy pages retain the same visual language. */
body>header:not(.topbar){background:var(--dark);color:white;padding:22px max(28px,calc((100vw - 1344px)/2));display:flex;align-items:center;justify-content:space-between}body>header:not(.topbar)+main{max-width:850px;padding:45px 28px}body>header:not(.topbar)+main h1{font-size:42px}body>header:not(.topbar)+main form{background:white;border:1px solid var(--line);padding:25px;border-radius:10px;margin:25px 0}body>header:not(.topbar)+main footer{margin-top:35px}.trap{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}