:root{
  --ink:#171b1d;
  --muted:#687278;
  --bg:#eef0ed;
  --card:#fcfcfa;
  --panel:#f6f7f4;
  --line:#d8ddd9;
  --border:#d8ddd9;
  --yellow:#f4c63d;
  --yellow-soft:#fff7d6;
  --dark:#111517;
  --dark-2:#1b1f20;
  --success:#edf5df;
  --heading:#223036;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:var(--bg);-webkit-font-smoothing:antialiased}
h1,h2,h3{font-family:Georgia,"Times New Roman",serif;color:var(--heading)}
a{color:#24537a;text-underline-offset:3px;text-decoration-thickness:1px}
.nav a,.site-links a,.guide-nav a{font-family:Arial,Helvetica,sans-serif}
button,input,select{font-family:Arial,Helvetica,sans-serif}
.card,.tool-intro>div,.info-grid>div,.bank-card,.guide-grid a,.topic-card{box-shadow:none}

button,input,select{font:inherit}
header,.hero{background:var(--dark);color:#fff}
.nav{max-width:1120px;margin:auto;padding:17px 20px;display:flex;justify-content:space-between;align-items:center;border-bottom:1px solid rgba(255,255,255,.08)}
.logo{font-weight:900;letter-spacing:-.6px;font-size:15px;font-family:Arial,Helvetica,sans-serif}
.pill{font-size:12px;color:#bfc5ca}
.hero{padding:50px 20px 56px;border-bottom:4px solid var(--yellow)}
.hero-in{max-width:920px;margin:auto}
.eyebrow{color:var(--yellow);font-weight:900;text-transform:uppercase;letter-spacing:1.5px;font-size:11px}
.hero h1{font-size:clamp(42px,8vw,76px);line-height:.94;letter-spacing:-2.6px;margin:10px 0 16px;color:#fff}
.hero p{color:#c9ced2;font-size:18px;max-width:700px;line-height:1.5;margin:0}
main{max-width:1120px;margin:auto;padding:24px 20px 64px}
.tool-intro{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin:0 0 16px}.tool-intro>div{background:#fbfcfa;border:1px solid var(--line);border-radius:10px;padding:13px 15px}.tool-intro strong{display:block;font-size:13px}.tool-intro span{display:block;margin-top:3px;font-size:11px;color:var(--muted);line-height:1.4}.tabs{display:flex;gap:8px;overflow:auto;padding:3px 1px 20px;scrollbar-width:none}
.tabs::-webkit-scrollbar{display:none}
.tab{white-space:nowrap;border:1px solid var(--line);background:#fff;color:var(--ink);border-radius:8px;padding:11px 16px;font-weight:850;cursor:pointer;transition:.15s ease}
.tab:hover{border-color:#b9bfba;transform:translateY(-1px)}
.tab.active{background:var(--dark);color:#fff;border-color:var(--dark)}
.panel{display:none}
.panel.active{display:block}
.grid{display:grid;grid-template-columns:1fr 1fr;gap:18px;min-width:0}.grid>*{min-width:0}
.card{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:24px;box-shadow:0 4px 16px rgba(0,0,0,.028);min-width:0;max-width:100%}
.card>h2{margin:0 0 6px}
h2{margin:0 0 5px;font-size:24px;letter-spacing:-.5px}
h3{letter-spacing:-.2px}
.sub{color:var(--muted);font-size:14px;line-height:1.55;margin:0 0 18px}
label{display:block;font-weight:850;font-size:13px;margin:14px 0 6px}
input,select{width:100%;padding:13px 14px;border:1px solid #c9cfcb;border-radius:8px;font-size:16px;background:#fff;color:var(--ink);outline:none;transition:border-color .15s,box-shadow .15s}
input:focus,select:focus{border-color:#8f9792;box-shadow:0 0 0 3px rgba(245,200,66,.25)}
.big{background:var(--dark);color:#fff;border-radius:15px;padding:20px;margin-bottom:14px;border-top:4px solid var(--yellow)}
.big small{display:block;color:#bfc5ca;text-transform:uppercase;letter-spacing:1px;font-size:10px;font-weight:850}
.big strong{display:block;font-size:38px;line-height:1.1;margin-top:3px}
.stat{display:flex;justify-content:space-between;padding:12px 0;border-bottom:1px solid var(--line);gap:15px}
.stat:last-child{border-bottom:0}
.stat span:last-child{font-weight:900;text-align:right}
.warn,.good{padding:13px 14px;border-radius:12px;margin-top:15px;font-size:12px;line-height:1.5}
.warn{background:var(--yellow-soft);border:1px solid #f1df8b}
.good{background:var(--success);border:1px solid #dbe9c2}
.rate-head{display:flex;justify-content:space-between;gap:12px;align-items:end;margin-bottom:15px}
.rate-head h2{margin:0}
.updated{font-size:11px;color:var(--muted);text-align:right}
.filters{display:grid;grid-template-columns:1fr 1fr 1fr;gap:12px;margin-bottom:15px}
.table-wrap{overflow:auto}
.rates{width:100%;border-collapse:collapse;min-width:720px}
.rates th,.rates td{text-align:left;padding:13px 10px;border-bottom:1px solid var(--line);font-size:13px}
.rates th{font-size:11px;text-transform:uppercase;letter-spacing:.5px;color:var(--muted)}
.rates tr.best{background:#f3f8e9}
.rates td.rate{font-weight:950;font-size:18px}
.badge{display:inline-block;padding:4px 7px;border-radius:999px;background:#eee;font-size:10px;font-weight:850}
.source{font-size:11px;color:var(--muted);line-height:1.5;margin-top:13px}
.info-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.info-grid>div{padding:16px;border:1px solid var(--line);border-radius:10px;background:var(--panel)}
.info-grid h3{margin:0 0 6px;font-size:15px}
.info-grid p{margin:0;font-size:12px;line-height:1.55;color:var(--muted)}
#howItWorks{margin-top:18px!important}
#howItWorks h2{margin-bottom:14px}
.rate-summary{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:0 0 14px}
.rate-summary>div{padding:14px;border-radius:12px;background:var(--panel);border:1px solid var(--line)}
.rate-summary small{display:block;color:var(--muted);font-size:11px}
.rate-summary strong{display:block;font-size:20px;margin-top:4px}
.damage-save-card{margin-top:14px;padding:20px;border-radius:18px;background:var(--dark);color:#fff;border-top:4px solid var(--yellow)}
.damage-save-kicker{font-size:10px;font-weight:900;letter-spacing:1.2px;color:var(--yellow)}
.damage-save-card h3{font-size:23px;margin:5px 0 14px}
.damage-save-main{padding:16px;border-radius:14px;background:var(--dark-2)}
.damage-save-main small{display:block;opacity:.7;font-size:11px}
.damage-save-main strong{display:block;font-size:35px;margin-top:3px;line-height:1.1}
.damage-save-card p{font-size:11px;line-height:1.5;opacity:.72;margin:10px 0 14px}
.damage-save-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.damage-save-grid>div{padding:13px;border-radius:12px;background:#202020}
.damage-save-grid small{display:block;font-size:10px;opacity:.65}
.damage-save-grid strong{display:block;font-size:20px;margin-top:3px}
.damage-save-grid span{font-size:10px;opacity:.6}
.damage-save-original{margin-top:12px;padding-top:12px;border-top:1px solid #333;font-size:10px;opacity:.65}
.input-help{display:block;margin-top:5px;font-size:11px;line-height:1.45;color:var(--muted)}
.optional{font-weight:500;color:var(--muted);font-size:10px}
.calc-btn{width:100%;margin-top:17px;padding:14px 18px;border:1px solid var(--dark);border-radius:8px;background:var(--dark);color:#fff;font-weight:900;font-size:16px;cursor:pointer;transition:.15s ease}
.calc-btn:hover{background:#242424;transform:translateY(-1px)}
.calc-btn:active{transform:translateY(1px)}
.bank-card{border:1px solid var(--line);border-radius:10px;padding:15px;margin-top:10px;background:#fafbf9}
.bank-top{display:flex;justify-content:space-between;gap:12px;align-items:start}
.bank-name{font-weight:950}
.bank-rate{font-size:20px;font-weight:950}
.bank-meta{font-size:11px;color:var(--muted);margin-top:3px;line-height:1.45}
.bank-stats{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-top:11px}
.bank-stat{background:#fff;border:1px solid #edf0ed;border-radius:9px;padding:9px}
.bank-stat small{display:block;color:var(--muted);font-size:10px;text-transform:uppercase;letter-spacing:.2px}
.bank-stat strong{font-size:15px}
.best-card{border:2px solid var(--dark)}
.best-label{display:inline-block;background:var(--yellow);color:var(--dark);padding:4px 7px;border-radius:5px;font-size:10px;font-weight:950;margin-bottom:6px}
.footer{text-align:center;color:var(--muted);font-size:12px;line-height:1.55;margin-top:25px;padding-top:20px;border-top:1px solid var(--line)}
.guide-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;margin-top:14px}.guide-grid a{display:block;text-decoration:none;background:var(--panel);border:1px solid var(--line);border-radius:12px;padding:14px}.guide-grid strong{display:block;font-size:13px}.guide-grid span{display:block;color:var(--muted);font-size:11px;line-height:1.45;margin-top:3px}@media(max-width:760px){.guide-grid{grid-template-columns:1fr}}.panel-intro{display:flex;align-items:end;justify-content:space-between;gap:18px;margin-bottom:15px}
.panel-intro .sub{margin:0;max-width:720px}
.section-tag{display:inline-flex;align-items:center;gap:6px;background:var(--yellow-soft);border:1px solid #eadb91;border-radius:6px;padding:5px 8px;font-size:10px;font-weight:900;text-transform:uppercase;letter-spacing:.5px;white-space:nowrap}
@media(max-width:760px){
  .tool-intro{grid-template-columns:1fr}
  .tool-intro>div{padding:11px 13px}
  .grid,.info-grid{grid-template-columns:1fr}
  .filters{grid-template-columns:1fr}
  .hero{padding:42px 20px 48px}
  .hero h1{letter-spacing:-2.5px}
  .hero p{font-size:16px}
  .card{padding:20px}
  .guide-grid{grid-template-columns:1fr}
  .panel-intro{display:block}
  .section-tag{margin-bottom:9px}
  .big strong{font-size:34px}
}


/* Shared Check The Damage guide shell */
.top{background:var(--dark);color:#fff}
.top .nav{border-bottom:1px solid rgba(255,255,255,.08)}
.top .logo{color:#fff;text-decoration:none}
.wrap{max-width:1120px;margin:auto;padding:24px 20px 64px}.guide-nav{display:flex;gap:8px;flex-wrap:wrap;margin:0 0 18px}.guide-nav a{background:#fff;border:1px solid var(--line);border-radius:999px;padding:8px 11px;font-size:11px;font-weight:850;color:var(--ink);text-decoration:none}.guide-nav a:hover{border-color:#b9bfba}.cluster-note{margin:0 0 18px;padding:13px 15px;border-radius:13px;background:var(--panel);border:1px solid var(--line);font-size:12px;line-height:1.5;color:var(--muted)}.cluster-note strong{color:var(--ink)}
.guide-hero,.wrap>.hero{max-width:1120px;margin:0 auto 18px}
.wrap>.hero{padding:38px 24px 42px;border-radius:18px;border-bottom:4px solid var(--yellow)}
.wrap>.hero h1{max-width:900px;margin:8px 0 14px;font-size:clamp(40px,7vw,68px);line-height:.95;letter-spacing:-3px}
.tag{display:inline-flex;align-items:center;background:var(--yellow);color:var(--dark);border-radius:6px;padding:5px 9px;font-size:10px;font-weight:950;text-transform:uppercase;letter-spacing:.6px}
.lead{color:#c9ced2;font-size:18px;line-height:1.5;max-width:760px;margin:0}
.article-grid{display:grid;grid-template-columns:2fr 1fr;gap:18px}
.article-grid .card{margin:0}
.article-grid .card h2{font-size:25px;line-height:1.15;margin:0 0 10px}
.prose{font-size:15px;line-height:1.6}
.prose strong{font-weight:900}
.prose a{color:inherit}
.toc h2{font-size:18px;margin:0 0 8px}
.toc a{color:var(--ink)}
.data-table{background:#fff}
.faq h3{font-size:17px;line-height:1.3}
@media(max-width:760px){
  .wrap{padding:16px 14px 44px}
  .wrap>.hero{padding:30px 20px 34px;border-radius:15px}
  .wrap>.hero h1{font-size:clamp(38px,12vw,56px);letter-spacing:-2.5px}
  .lead{font-size:16px}
  .article-grid{grid-template-columns:1fr}
  .card{padding:20px}
}

/* V26 site-wide navigation */
.site-header{background:#111;color:#fff;border-bottom:1px solid rgba(255,255,255,.08);position:relative;z-index:20}.site-nav{max-width:1120px;margin:auto;padding:14px 20px;display:flex;align-items:center;gap:24px}.site-logo{color:#fff!important;text-decoration:none!important;font-weight:950;letter-spacing:-1px;font-size:15px;white-space:nowrap}.site-links{display:flex;align-items:center;gap:4px;margin-left:auto}.site-links>a,.nav-dd>summary{color:#dfe3e6;text-decoration:none;font-size:12px;font-weight:800;padding:9px 10px;border-radius:8px;cursor:pointer;list-style:none}.site-links>a:hover,.nav-dd>summary:hover{background:#202020;color:#fff}.nav-cta{background:#f5c842!important;color:#111!important}.nav-dd{position:relative}.nav-dd>summary::-webkit-details-marker{display:none}.nav-dd>summary:after{content:'⌄';margin-left:5px;font-size:11px}details.nav-dd:not([open])>.nav-menu,details.mobile-menu:not([open])>.mobile-links{display:none}.nav-menu{position:absolute;top:42px;left:0;min-width:210px;background:#171717;border:1px solid #333;border-radius:12px;padding:7px;box-shadow:0 14px 35px rgba(0,0,0,.25)}.nav-menu a{display:block;color:#e8ebed!important;text-decoration:none!important;font-size:12px;font-weight:700;padding:9px 10px;border-radius:7px}.nav-menu a:hover{background:#282828}.mobile-menu{display:none;margin-left:auto;position:relative}.mobile-menu summary{list-style:none;color:#111;background:#f5c842;border-radius:9px;padding:9px 12px;font-size:12px;font-weight:900;cursor:pointer}.mobile-menu summary::-webkit-details-marker{display:none}.mobile-links{position:absolute;right:0;top:42px;width:235px;background:#171717;border:1px solid #333;border-radius:12px;padding:7px;box-shadow:0 14px 35px rgba(0,0,0,.25)}.mobile-links a{display:block;color:#fff!important;text-decoration:none!important;font-size:12px;font-weight:750;padding:10px;border-radius:7px}.mobile-links a:hover{background:#282828}@media(max-width:760px){.site-nav{padding:12px 16px}.site-links{display:none}.mobile-menu{display:block}}
.at-a-glance{background:#fff7d2;border:1px solid #f1df8b;border-radius:14px;padding:16px 18px;margin:0 0 16px}.at-a-glance>strong{display:block;font-size:14px}.at-a-glance p{margin:6px 0 9px;color:#4f595f;font-size:13px;line-height:1.6}.at-a-glance a{display:inline-block;margin-right:14px;color:#15191d;font-size:12px;font-weight:850;text-decoration:none}.at-a-glance a:hover{text-decoration:underline}

/* V26.1 guide bottom sections: related links, sources and navigation */
.related-guides{
  margin-top:18px;
}
.related-guides h2{
  margin:0 0 14px;
}
.related-guides ul{
  list-style:none;
  margin:0;
  padding:0;
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:10px;
}
.related-guides li{margin:0}
.related-guides li a{
  display:block;
  min-height:58px;
  padding:12px 13px;
  background:var(--panel);
  border:1px solid var(--line);
  border-radius:12px;
  color:var(--ink)!important;
  text-decoration:none!important;
  font-size:13px;
  font-weight:850;
  line-height:1.35;
  transition:border-color .15s ease,transform .15s ease,background .15s ease;
}
.related-guides li a:after{
  content:' →';
  color:var(--muted);
  font-weight:900;
}
.related-guides li a:hover{
  border-color:#b9bfba;
  background:#fff;
  transform:translateY(-1px);
}
.tile{
  display:block;
  padding:14px 15px;
  background:var(--panel);
  border:1px solid var(--line);
  border-radius:12px;
  color:var(--ink)!important;
  text-decoration:none!important;
  transition:border-color .15s ease,transform .15s ease,background .15s ease;
}
.tile:hover{
  border-color:#b9bfba;
  background:#fff;
  transform:translateY(-1px);
}
.tile strong{display:block;font-size:14px;line-height:1.35}
.tile span{display:block;color:var(--muted);font-size:12px;line-height:1.45;margin-top:4px}
.sources{
  margin-top:18px;
}
.sources ul{
  list-style:none;
  padding:0;
  margin:10px 0 12px;
}
.sources li{
  margin:8px 0;
}
.sources li a{
  display:inline-block;
  color:var(--ink)!important;
  text-decoration:none!important;
  font-weight:800;
  border-bottom:2px solid var(--yellow);
  padding-bottom:1px;
}
.sources li a:hover{background:var(--yellow-soft)}
.sources p{margin-bottom:0}
.back{
  display:inline-flex;
  align-items:center;
  gap:5px;
  padding:9px 12px;
  border:1px solid var(--line);
  border-radius:10px;
  background:#fff;
  color:var(--ink)!important;
  text-decoration:none!important;
  font-size:12px;
  font-weight:850;
}
.back:hover{border-color:#b9bfba}
@media(max-width:700px){
  .related-guides ul{grid-template-columns:1fr}
  .related-guides li a{min-height:auto}
}


/* Guides hub: visual topic groups */
.topic-section{display:flex;flex-direction:column;gap:26px}
.topic-intro{padding-bottom:2px}
.topic-intro h2{font-size:30px;letter-spacing:-.8px;margin:0 0 8px}
.topic-intro p{margin:0;color:var(--muted);font-size:14px;line-height:1.6;max-width:760px}
.topic-group{border-top:1px solid var(--line);padding-top:22px}
.topic-group-head{display:grid;grid-template-columns:auto 1fr;column-gap:10px;align-items:center;margin-bottom:14px}
.topic-kicker{display:inline-flex;align-items:center;background:var(--yellow);color:var(--dark);border-radius:999px;padding:5px 9px;font-size:10px;font-weight:950;text-transform:uppercase;letter-spacing:.6px}
.topic-group-head h3{margin:0;font-size:22px;line-height:1.15;letter-spacing:-.4px}
.topic-group-head p{grid-column:1 / -1;margin:7px 0 0;color:var(--muted);font-size:13px;line-height:1.55;max-width:760px}
.topic-cards{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
.topic-card{display:block;background:var(--panel);border:1px solid var(--line);border-radius:15px;padding:16px 17px;text-decoration:none!important;color:var(--ink)!important;transition:transform .15s ease,border-color .15s ease,background .15s ease,box-shadow .15s ease}
.topic-card:hover{transform:translateY(-2px);border-color:#c7cdc8;background:#fff;box-shadow:0 8px 20px rgba(0,0,0,.05)}
.topic-card-top{display:flex;align-items:flex-start;justify-content:space-between;gap:12px}
.topic-card strong{display:block;font-size:14px;line-height:1.35}
.topic-arrow{flex:0 0 auto;color:#8a9297;font-size:16px;font-weight:900;line-height:1}
.topic-card p{margin:7px 0 0;color:var(--muted);font-size:12px;line-height:1.55}
.topic-group-featured{border-top:0;padding-top:0}
.topic-group-featured .topic-cards{grid-template-columns:repeat(4,minmax(0,1fr))}
.topic-group-featured .topic-card{background:var(--dark);border-color:var(--dark);color:#fff!important}
.topic-group-featured .topic-card p{color:#bfc5ca}
.topic-group-featured .topic-arrow{color:var(--yellow)}
.topic-group-featured .topic-kicker{background:var(--yellow-soft);border:1px solid #f1df8b}
@media(max-width:900px){.topic-group-featured .topic-cards{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:760px){
  .topic-section{gap:22px}
  .topic-intro h2{font-size:27px}
  .topic-group{padding-top:20px}
  .topic-group-head{display:block}
  .topic-group-head h3{margin-top:9px;font-size:21px}
  .topic-group-head p{margin-top:6px}
  .topic-cards,.topic-group-featured .topic-cards{grid-template-columns:1fr}
  .topic-card{padding:15px}
}

/* V33 guide polish: consistency, accessibility and mobile handling */
.wrap>.hero .reviewed{display:block;margin-top:10px;color:#aeb6bb;font-size:12px;line-height:1.45}
.reviewed{display:block;margin-top:10px;color:var(--muted);font-size:12px;line-height:1.45}
.related-guides{margin-top:18px}
.related-guides h2{margin:0 0 14px}
.related-guides .grid{margin-top:0}
.data-table-wrap{width:100%;overflow-x:auto;-webkit-overflow-scrolling:touch;border:1px solid var(--line);border-radius:13px;background:#fff}
.data-table-wrap .data-table{min-width:560px;margin:0}
.scheme-strip{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:10px;margin:0 0 18px}
.scheme-card{display:block;text-decoration:none;color:var(--ink);background:var(--panel);border:1px solid var(--line);border-radius:14px;padding:15px 16px;transition:transform .15s ease,border-color .15s ease,background .15s ease,box-shadow .15s ease}
a.scheme-card:hover{transform:translateY(-2px);border-color:#c7cdc8;background:#fff;box-shadow:0 8px 20px rgba(0,0,0,.05)}
.scheme-card strong{display:block;font-size:14px;line-height:1.3}
.scheme-card span{display:block;margin-top:5px;color:var(--muted);font-size:11px;line-height:1.5}
.scheme-card .scheme-type{display:inline-flex;margin-bottom:8px;padding:4px 7px;border-radius:999px;background:var(--yellow-soft);border:1px solid #f1df8b;font-size:10px;font-weight:900;text-transform:uppercase;letter-spacing:.5px}
.prose .data-table th,.data-table th{white-space:nowrap}
.prose p,.prose li{overflow-wrap:anywhere}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid rgba(245,200,66,.7);outline-offset:2px}
summary{cursor:pointer}
button,input,select{min-height:44px}
@media(max-width:760px){.scheme-strip{grid-template-columns:1fr}.data-table-wrap .data-table{min-width:520px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.tab,.topic-card,.tile,.scheme-card,.calc-btn,.related-guides li a{transition:none!important}}