/*! tailwindcss v4.2.1 | MIT License | https://tailwindcss.com */
@layer properties{@supports (((-webkit-hyphens:none)) and (not (margin-trim:inline))) or ((-moz-orient:inline) and (not (color:rgb(from red r g b)))){*,:before,:after{--tw-rotate-x:initial;--tw-rotate-y:initial;--tw-rotate-z:initial;--tw-skew-x:initial;--tw-skew-y:initial;--tw-border-style:solid;--tw-font-weight:initial;--tw-shadow:0 0 #0000;--tw-shadow-color:initial;--tw-shadow-alpha:100%;--tw-inset-shadow:0 0 #0000;--tw-inset-shadow-color:initial;--tw-inset-shadow-alpha:100%;--tw-ring-color:initial;--tw-ring-shadow:0 0 #0000;--tw-inset-ring-color:initial;--tw-inset-ring-shadow:0 0 #0000;--tw-ring-inset:initial;--tw-ring-offset-width:0px;--tw-ring-offset-color:#fff;--tw-ring-offset-shadow:0 0 #0000;--tw-blur:initial;--tw-brightness:initial;--tw-contrast:initial;--tw-grayscale:initial;--tw-hue-rotate:initial;--tw-invert:initial;--tw-opacity:initial;--tw-saturate:initial;--tw-sepia:initial;--tw-drop-shadow:initial;--tw-drop-shadow-color:initial;--tw-drop-shadow-alpha:100%;--tw-drop-shadow-size:initial;--tw-duration:initial}::backdrop{--tw-rotate-x:initial;--tw-rotate-y:initial;--tw-rotate-z:initial;--tw-skew-x:initial;--tw-skew-y:initial;--tw-border-style:solid;--tw-font-weight:initial;--tw-shadow:0 0 #0000;--tw-shadow-color:initial;--tw-shadow-alpha:100%;--tw-inset-shadow:0 0 #0000;--tw-inset-shadow-color:initial;--tw-inset-shadow-alpha:100%;--tw-ring-color:initial;--tw-ring-shadow:0 0 #0000;--tw-inset-ring-color:initial;--tw-inset-ring-shadow:0 0 #0000;--tw-ring-inset:initial;--tw-ring-offset-width:0px;--tw-ring-offset-color:#fff;--tw-ring-offset-shadow:0 0 #0000;--tw-blur:initial;--tw-brightness:initial;--tw-contrast:initial;--tw-grayscale:initial;--tw-hue-rotate:initial;--tw-invert:initial;--tw-opacity:initial;--tw-saturate:initial;--tw-sepia:initial;--tw-drop-shadow:initial;--tw-drop-shadow-color:initial;--tw-drop-shadow-alpha:100%;--tw-drop-shadow-size:initial;--tw-duration:initial}}}@layer theme{:root,:host{--font-sans:ui-sans-serif, system-ui, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";--font-mono:ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace;--color-white:#fff;--spacing:.25rem;--font-weight-bold:700;--shadow-sm:0 1px 3px 0 #0000001a, 0 1px 2px -1px #0000001a;--default-transition-duration:.15s;--default-transition-timing-function:cubic-bezier(.4, 0, .2, 1);--default-font-family:var(--font-sans);--default-mono-font-family:var(--font-mono)}}@layer base{*,:after,:before{box-sizing:border-box;border:0 solid;margin:0;padding:0}::backdrop{box-sizing:border-box;border:0 solid;margin:0;padding:0}::file-selector-button{box-sizing:border-box;border:0 solid;margin:0;padding:0}html,:host{-webkit-text-size-adjust:100%;tab-size:4;line-height:1.5;font-family:var(--default-font-family,ui-sans-serif, system-ui, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji");font-feature-settings:var(--default-font-feature-settings,normal);font-variation-settings:var(--default-font-variation-settings,normal);-webkit-tap-highlight-color:transparent}hr{height:0;color:inherit;border-top-width:1px}abbr:where([title]){-webkit-text-decoration:underline dotted;text-decoration:underline dotted}h1,h2,h3,h4,h5,h6{font-size:inherit;font-weight:inherit}a{color:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;text-decoration:inherit}b,strong{font-weight:bolder}code,kbd,samp,pre{font-family:var(--default-mono-font-family,ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace);font-feature-settings:var(--default-mono-font-feature-settings,normal);font-variation-settings:var(--default-mono-font-variation-settings,normal);font-size:1em}small{font-size:80%}sub,sup{vertical-align:baseline;font-size:75%;line-height:0;position:relative}sub{bottom:-.25em}sup{top:-.5em}table{text-indent:0;border-color:inherit;border-collapse:collapse}:-moz-focusring{outline:auto}progress{vertical-align:baseline}summary{display:list-item}ol,ul,menu{list-style:none}img,svg,video,canvas,audio,iframe,embed,object{vertical-align:middle;display:block}img,video{max-width:100%;height:auto}button,input,select,optgroup,textarea{font:inherit;font-feature-settings:inherit;font-variation-settings:inherit;letter-spacing:inherit;color:inherit;opacity:1;background-color:#0000;border-radius:0}::file-selector-button{font:inherit;font-feature-settings:inherit;font-variation-settings:inherit;letter-spacing:inherit;color:inherit;opacity:1;background-color:#0000;border-radius:0}:where(select:is([multiple],[size])) optgroup{font-weight:bolder}:where(select:is([multiple],[size])) optgroup option{padding-inline-start:20px}::file-selector-button{margin-inline-end:4px}::placeholder{opacity:1}@supports (not ((-webkit-appearance:-apple-pay-button))) or (contain-intrinsic-size:1px){::placeholder{color:currentColor}@supports (color:color-mix(in lab, red, red)){::placeholder{color:color-mix(in oklab, currentcolor 50%, transparent)}}}textarea{resize:vertical}::-webkit-search-decoration{-webkit-appearance:none}::-webkit-date-and-time-value{min-height:1lh;text-align:inherit}::-webkit-datetime-edit{display:inline-flex}::-webkit-datetime-edit-fields-wrapper{padding:0}::-webkit-datetime-edit{padding-block:0}::-webkit-datetime-edit-year-field{padding-block:0}::-webkit-datetime-edit-month-field{padding-block:0}::-webkit-datetime-edit-day-field{padding-block:0}::-webkit-datetime-edit-hour-field{padding-block:0}::-webkit-datetime-edit-minute-field{padding-block:0}::-webkit-datetime-edit-second-field{padding-block:0}::-webkit-datetime-edit-millisecond-field{padding-block:0}::-webkit-datetime-edit-meridiem-field{padding-block:0}::-webkit-calendar-picker-indicator{line-height:1}:-moz-ui-invalid{box-shadow:none}button,input:where([type=button],[type=reset],[type=submit]){-webkit-appearance:button;appearance:button}::file-selector-button{-webkit-appearance:button;appearance:button}::-webkit-inner-spin-button{height:auto}::-webkit-outer-spin-button{height:auto}[hidden]:where(:not([hidden=until-found])){display:none!important}}@layer components;@layer utilities{.collapse{visibility:collapse}.visible{visibility:visible}.absolute{position:absolute}.fixed{position:fixed}.relative{position:relative}.start{inset-inline-start:var(--spacing)}.end{inset-inline-end:var(--spacing)}.m-0{margin:calc(var(--spacing) * 0)}.mt-5{margin-top:calc(var(--spacing) * 5)}.mb-5{margin-bottom:calc(var(--spacing) * 5)}.mb-10{margin-bottom:calc(var(--spacing) * 10)}.block{display:block}.flex{display:flex}.grid{display:grid}.hidden{display:none}.inline-block{display:inline-block}.table{display:table}.shrink{flex-shrink:1}.grow{flex-grow:1}.transform{transform:var(--tw-rotate-x,) var(--tw-rotate-y,) var(--tw-rotate-z,) var(--tw-skew-x,) var(--tw-skew-y,)}.grid-cols-1{grid-template-columns:repeat(1,minmax(0,1fr))}.grid-rows-1{grid-template-rows:repeat(1,minmax(0,1fr))}.border{border-style:var(--tw-border-style);border-width:1px}.pb-10{padding-bottom:calc(var(--spacing) * 10)}.font-mono{font-family:var(--font-mono)}.font-bold{--tw-font-weight:var(--font-weight-bold);font-weight:var(--font-weight-bold)}.text-white{color:var(--color-white)}.lowercase{text-transform:lowercase}.uppercase{text-transform:uppercase}.no-underline{text-decoration-line:none}.ring{--tw-ring-shadow:var(--tw-ring-inset,) 0 0 0 calc(1px + var(--tw-ring-offset-width)) var(--tw-ring-color,currentcolor);box-shadow:var(--tw-inset-shadow), var(--tw-inset-ring-shadow), var(--tw-ring-offset-shadow), var(--tw-ring-shadow), var(--tw-shadow)}.filter{filter:var(--tw-blur,) var(--tw-brightness,) var(--tw-contrast,) var(--tw-grayscale,) var(--tw-hue-rotate,) var(--tw-invert,) var(--tw-saturate,) var(--tw-sepia,) var(--tw-drop-shadow,)}.transition{transition-property:color,background-color,border-color,outline-color,text-decoration-color,fill,stroke,--tw-gradient-from,--tw-gradient-via,--tw-gradient-to,opacity,box-shadow,transform,translate,scale,rotate,filter,-webkit-backdrop-filter,backdrop-filter,display,content-visibility,overlay,pointer-events;transition-timing-function:var(--tw-ease,var(--default-transition-timing-function));transition-duration:var(--tw-duration,var(--default-transition-duration))}.transition-all{transition-property:all;transition-timing-function:var(--tw-ease,var(--default-transition-timing-function));transition-duration:var(--tw-duration,var(--default-transition-duration))}.duration-200{--tw-duration:.2s;transition-duration:.2s}@media (hover:hover){.hover\:underline:hover{text-decoration-line:underline}}@media (min-width:40rem){.sm\:w-full{width:100%}}}:root{--surface-canvas:#fbfbf9;--surface-canvas-subtle:#f4f4f0;--surface-card:#fff;--surface-muted:#f8fafc;--surface-elevated:#fff;--paper:var(--surface-canvas);--paper-2:var(--surface-canvas-subtle);--white:var(--surface-card);--ink-primary:#0f172a;--ink-secondary:#334155;--ink-muted:#64748b;--ink-faint:#94a3b8;--ink:var(--ink-primary);--muted:var(--ink-muted);--navy:#0f172a;--navy-2:#1e293b;--accent-primary:#c2410c;--accent-hover:#9a3412;--accent-soft:#fff7ed;--accent-border:#fdba74;--orange:var(--accent-primary);--orange-dark:var(--accent-hover);--blue:#2563eb;--green:#15803d;--red:#dc2626;--chart-terracotta:#c2410c;--chart-ochre:#d97706;--chart-blue:#2563eb;--chart-teal:#0d9488;--chart-purple:#7c3aed;--chart-slate:#64748b;--chart-rose:#db2777;--chart-emerald:#15803d;--chart-graphite:#334155;--border-subtle:#e2e8f0;--border-faint:#f1f5f9;--line:var(--border-subtle);--shadow-sm:0 1px 2px 0 #0f172a0a;--shadow-card:0 1px 3px #0f172a0a, 0 10px 25px -5px #0f172a05;--shadow-card-hover:0 8px 24px -4px #0f172a12, 0 2px 6px -1px #0f172a0a;--shadow-elevated:0 20px 35px -8px #0f172a14;--radius-xs:4px;--radius-sm:6px;--radius-md:10px;--radius-lg:14px;--font-mono:ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace}*{box-sizing:border-box}html{scroll-behavior:smooth;overflow-x:hidden}body{background:var(--surface-canvas);color:var(--ink-secondary);font-family:var(--font-body), -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;margin:0;font-size:16.5px;line-height:1.65;overflow-x:hidden}h1,h2,h3,h4,h5,h6{font-family:var(--font-heading), -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;color:var(--ink-primary);letter-spacing:-.022em;text-transform:none;text-wrap:balance;font-weight:700}strong,b{color:var(--ink-primary);font-weight:700}a{color:inherit}img{max-width:100%}button,input{font:inherit}::selection{color:var(--ink-primary);background:#fed7aa}:focus-visible{outline:3px solid var(--accent-primary);outline-offset:3px}.section-label,.kicker{color:var(--accent-primary);letter-spacing:.1em;text-transform:uppercase;font-size:11px;font-weight:800}.site-header{background:var(--surface-card);border-bottom:1px solid var(--border-subtle);z-index:40;align-items:center;gap:32px;min-height:80px;padding:14px max(24px,50vw - 640px);display:flex;position:sticky;top:0;box-shadow:0 1px 2px #0f172a08}.brand{align-items:center;gap:12px;margin-right:auto;text-decoration:none;display:flex}.brand-mark{flex:none;width:44px;height:44px;display:block}.brand strong,.brand small{line-height:1.1;display:block}.brand strong{font:700 19px var(--font-heading);letter-spacing:-.01em;color:var(--ink-primary)}.brand small{letter-spacing:.12em;color:var(--ink-muted);text-transform:uppercase;margin-top:3px;font-size:9.5px;font-weight:800}.desktop-nav{align-items:center;gap:24px;display:flex}.desktop-nav a,.search-link{color:var(--ink-secondary);font-size:14px;font-weight:600;text-decoration:none}.desktop-nav a{padding-block:6px;transition:color .15s;position:relative}.desktop-nav a:after{content:"";background:var(--accent-primary);height:2px;transition:right .2s cubic-bezier(.22,1,.36,1);position:absolute;bottom:0;left:0;right:100%}.desktop-nav a:hover:after{right:0}.desktop-nav a:hover,.search-link:hover{color:var(--accent-primary)}.search-link{border-left:1px solid var(--border-subtle);color:var(--ink-muted);align-items:center;gap:6px;padding-left:20px;display:flex}.search-link span{font-size:18px;line-height:1}.mobile-menu{display:none}.editorial-hero{background:var(--surface-canvas);border-bottom:1px solid var(--border-subtle);padding:56px max(24px,50vw - 640px) 48px}.editorial-hero-container{max-width:1240px;margin:0 auto}.editorial-hero-kicker{flex-wrap:wrap;align-items:center;gap:10px;margin-bottom:18px;display:inline-flex}.kicker-pill{background:var(--accent-soft);color:var(--accent-primary);border:1px solid var(--accent-border);letter-spacing:.1em;text-transform:uppercase;border-radius:4px;padding:4px 10px;font-size:10.5px;font-weight:800}.kicker-text{letter-spacing:.08em;text-transform:uppercase;color:var(--ink-muted);font-size:11.5px;font-weight:700}.editorial-hero-title{max-width:980px;font:700 clamp(36px, 4.8vw, 60px)/1.08 var(--font-heading);letter-spacing:-.028em;color:var(--ink-primary);text-transform:none;margin:0 0 20px}.editorial-hero-title em,.hero-em{color:var(--accent-primary);font-style:normal;font-weight:700}.editorial-hero-lead{max-width:860px;color:var(--ink-secondary);margin:0 0 32px;font-size:19px;line-height:1.62}.editorial-hero-actions{flex-wrap:wrap;gap:12px;margin-bottom:36px;display:flex}.editorial-btn{cursor:pointer;border-radius:6px;align-items:center;gap:10px;padding:12px 22px;font-size:14.5px;font-weight:700;text-decoration:none;transition:all .2s cubic-bezier(.22,1,.36,1);display:inline-flex}.editorial-btn-primary{background:var(--accent-primary);color:#fff;border:1px solid var(--accent-primary);box-shadow:0 1px 2px #c2410c26}.editorial-btn-primary:hover{background:var(--accent-hover);border-color:var(--accent-hover);color:#fff;transform:translateY(-1px);box-shadow:0 4px 14px #c2410c40}.editorial-btn-secondary{background:var(--surface-card);color:var(--ink-primary);border:1px solid var(--border-subtle);box-shadow:0 1px 2px #00000008}.editorial-btn-secondary:hover{background:var(--surface-canvas-subtle);border-color:#cbd5e1;transform:translateY(-1px)}.editorial-hero-byline{color:var(--ink-muted);border-bottom:1px solid var(--border-subtle);flex-wrap:wrap;align-items:center;gap:8px;margin-bottom:36px;padding-bottom:22px;font-size:13px;display:flex}.byline-dot{color:var(--ink-faint)}.byline-link{color:var(--ink-secondary);font-weight:600;text-decoration:none}.byline-link:hover{color:var(--accent-primary);text-decoration:underline}.stat-callout-grid{gap:16px;width:100%;display:grid}.stat-callout-grid.cols-4{grid-template-columns:repeat(4,1fr)}.stat-callout-grid.cols-3{grid-template-columns:repeat(3,1fr)}.stat-callout-card{background:var(--surface-card);border:1px solid var(--border-subtle);box-shadow:var(--shadow-card);border-top:3px solid var(--accent-primary);border-radius:8px;flex-direction:column;justify-content:space-between;padding:22px 24px;transition:transform .2s,box-shadow .2s,border-color .2s;display:flex}.stat-callout-card:hover{box-shadow:var(--shadow-card-hover);border-color:#cbd5e1;border-top-color:var(--accent-primary);transform:translateY(-2px)}.stat-card-label{text-transform:uppercase;letter-spacing:.08em;color:var(--ink-muted);margin-bottom:6px;font-size:11px;font-weight:800;display:block}.stat-card-value{font:700 clamp(26px, 2.5vw, 36px)/1.05 var(--font-heading);color:var(--ink-primary);font-feature-settings:"tnum" 1, "cv02" 1;letter-spacing:-.02em;margin-bottom:10px;display:block}.stat-card-detail{color:var(--ink-secondary);margin:0;font-size:13px;line-height:1.45}.editorial-chart-card,.vc-data-visual-container{background:var(--surface-card);border:1px solid var(--border-subtle);box-shadow:var(--shadow-card);border-radius:10px;margin-bottom:40px;overflow:hidden}.chart-card-header,.vc-visual-header{border-bottom:1px solid var(--border-subtle);background:var(--surface-card);padding:24px 28px 20px}.chart-meta-row,.vc-visual-tag{flex-wrap:wrap;justify-content:space-between;align-items:center;gap:14px;margin-bottom:12px;display:flex}.chart-kicker-group{flex-wrap:wrap;align-items:center;gap:8px;display:flex}.chart-kicker-badge,.vc-badge{letter-spacing:.1em;text-transform:uppercase;color:var(--accent-primary);background:var(--accent-soft);border:1px solid var(--accent-border);border-radius:4px;padding:3px 8px;font-size:10.5px;font-weight:800}.chart-source-text,.vc-source{color:var(--ink-muted);font-size:12px;font-weight:600}.chart-meta-dot,.vc-dot{color:var(--ink-faint);font-weight:700}.chart-card-title,.vc-chart-heading{font:700 clamp(22px, 2.4vw, 30px)/1.2 var(--font-heading);color:var(--ink-primary);letter-spacing:-.02em;text-transform:none;margin:0}.chart-action-toolbar,.vc-action-buttons{flex-wrap:wrap;align-items:center;gap:8px;display:flex}.chart-tool-btn,.vc-share-link-btn,.vc-embed-toggle-btn{border:1px solid var(--border-subtle);background:var(--surface-canvas);color:var(--ink-secondary);cursor:pointer;border-radius:6px;align-items:center;gap:6px;padding:6px 12px;font-size:12px;font-weight:700;transition:all .15s;display:inline-flex}.chart-tool-btn:hover,.vc-share-link-btn:hover,.vc-embed-toggle-btn:hover{background:var(--surface-canvas-subtle);color:var(--ink-primary);border-color:#cbd5e1}.vc-toggle-group{border:1px solid var(--border-subtle);background:var(--surface-canvas);border-radius:6px;padding:2px;display:inline-flex}.vc-toggle-btn{color:var(--ink-muted);cursor:pointer;background:0 0;border:0;border-radius:4px;padding:6px 12px;font-size:12px;font-weight:700;transition:all .15s}.vc-toggle-btn.active{background:var(--ink-primary);color:#fff}.chart-embed-drawer,.vc-embed-drawer{background:var(--surface-canvas-subtle);border-bottom:1px solid var(--border-subtle);padding:16px 28px}.embed-instructions strong,.vc-embed-instructions strong{color:var(--ink-primary);font-size:13px;display:block}.embed-instructions p,.vc-embed-instructions p{color:var(--ink-muted);margin:2px 0 10px;font-size:12px}.embed-code-box,.vc-code-box{align-items:center;gap:12px;display:flex}.embed-code-box pre,.vc-code-box pre{color:#94a3b8;white-space:pre-wrap;word-break:break-all;background:#0f172a;border-radius:4px;flex:1;max-height:80px;margin:0;padding:8px 12px;font-size:11px;overflow-x:auto}.embed-copy-btn,.vc-copy-btn{background:var(--accent-primary);color:#fff;cursor:pointer;border:0;border-radius:4px;flex:none;padding:8px 16px;font-size:12px;font-weight:800}.embed-copy-btn:hover,.vc-copy-btn:hover{background:var(--accent-hover)}.chart-card-content,.vc-chart-canvas{padding:28px}.chart-card-footer,.vc-visual-footer{border-top:1px solid var(--border-subtle);background:var(--surface-canvas-subtle);justify-content:space-between;align-items:center;gap:16px;padding:14px 28px;font-size:12.5px;display:flex}.chart-footnote,.vc-legend-note{color:var(--ink-muted);line-height:1.45}.chart-inline-embed,.vc-embed-link-simple{color:var(--accent-primary);cursor:pointer;background:0 0;border:0;flex:none;font-size:11.5px;font-weight:700;text-decoration:underline}.vc-waterfall-summary{background:var(--surface-canvas-subtle);border:1px solid var(--border-subtle);color:var(--ink-primary);border-radius:8px;gap:16px;margin-bottom:28px;padding:22px 24px;display:grid}.vc-summary-total{flex-direction:column;gap:4px;display:flex}.vc-sum-label{letter-spacing:.1em;text-transform:uppercase;color:var(--ink-muted);font-size:11px;font-weight:800}.vc-sum-value{font:700 clamp(36px, 4.5vw, 48px)/1 var(--font-heading);color:var(--accent-primary);font-feature-settings:"tnum" 1}.vc-sum-value small{color:var(--ink-muted);margin-left:4px;font-size:20px}.vc-sum-sub{color:var(--ink-secondary);font-size:13px}.vc-stacked-bar-container{margin-top:6px}.vc-stacked-bar{background:#e2e8f0;border-radius:4px;height:18px;display:flex;overflow:hidden}.vc-bar-segment{height:100%;transition:width .3s}.vc-waterfall-grid{gap:8px;display:grid}.vc-waterfall-row{background:var(--surface-card);border:1px solid var(--border-subtle);border-radius:6px;grid-template-columns:4px 1.4fr 1.6fr 110px;align-items:center;gap:16px;padding:12px 16px;transition:background .15s,border-color .15s;display:grid}.vc-waterfall-row:hover{background:#fafaf8;border-color:#cbd5e1}.vc-row-indicator{border-radius:2px;height:100%;min-height:38px}.vc-row-info{flex-direction:column;gap:2px;display:flex}.vc-row-title-wrap{align-items:baseline;gap:8px;display:flex}.vc-row-label{color:var(--ink-primary);font-size:14.5px;font-weight:700}.vc-row-pct{color:var(--ink-muted);font-size:12px;font-weight:700}.vc-row-desc{color:var(--ink-muted);margin:0;font-size:12px;line-height:1.35}.vc-row-bar-wrap{width:100%}.vc-bar-track{background:#e2e8f0;border-radius:3px;width:100%;height:10px;overflow:hidden}.vc-bar-fill{border-radius:3px;height:100%;transition:width .3s}.vc-row-number{text-align:right;white-space:nowrap}.vc-row-number b{font:700 18px var(--font-heading);color:var(--ink-primary);font-feature-settings:"tnum" 1;display:block}.vc-row-number small{color:var(--ink-muted);font-size:11px}.vc-key-takeaways{background:var(--surface-card);color:var(--ink-primary);border:1px solid var(--border-subtle);border-top:3px solid var(--accent-primary);box-shadow:var(--shadow-card);border-radius:8px;margin:36px 0 0;padding:28px}.vc-takeaways-head{margin-bottom:20px}.vc-takeaways-label{letter-spacing:.1em;text-transform:uppercase;color:var(--accent-primary);font-size:11px;font-weight:800;display:block}.vc-takeaways-head h2,.vc-takeaways-head h3{font:700 clamp(22px, 2.2vw, 28px) var(--font-heading);color:var(--ink-primary);text-transform:none;margin:4px 0 0}.vc-takeaways-grid{grid-template-columns:repeat(4,1fr);gap:16px;display:grid}.vc-takeaway-item{background:var(--surface-canvas-subtle);border:1px solid var(--border-subtle);border-left:3px solid var(--accent-primary);border-radius:4px;padding:18px}.vc-takeaway-metric{font:700 clamp(26px, 2.8vw, 36px)/1 var(--font-heading);color:var(--accent-primary);font-feature-settings:"tnum" 1;margin-bottom:6px;display:block}.vc-takeaway-title{font:700 14px/1.25 var(--font-heading);color:var(--ink-primary);text-transform:none;margin:0 0 6px}.vc-takeaway-detail{color:var(--ink-secondary);margin:0;font-size:12.5px;line-height:1.45}.editorial-matrix-wrapper{margin-bottom:40px}.editorial-table-scroll{background:var(--surface-card);border:1px solid var(--border-subtle);max-width:100%;box-shadow:var(--shadow-card);border-radius:8px;overflow-x:auto}.editorial-matrix-table{border-collapse:collapse;text-align:left;width:100%;min-width:720px}.editorial-matrix-table caption{color:var(--ink-muted);text-align:left;border-bottom:1px solid var(--border-subtle);background:var(--surface-canvas-subtle);padding:14px 18px;font-size:12.5px;font-weight:600}.editorial-matrix-table th,.editorial-matrix-table td{border-bottom:1px solid var(--border-subtle);vertical-align:top;padding:14px 18px;font-size:14px;line-height:1.5}.editorial-matrix-table thead th{background:var(--surface-canvas-subtle);color:var(--ink-primary);letter-spacing:.06em;text-transform:uppercase;border-bottom:2px solid var(--border-subtle);z-index:10;font-size:11.5px;font-weight:800;position:sticky;top:0}.matrix-th-dimension{width:25%}.matrix-row-header{color:var(--ink-primary);border-right:1px solid var(--border-subtle);background:#fafaf8;font-weight:700}.editorial-matrix-table tbody tr:hover{background:#fafaf8}.editorial-matrix-note{color:var(--ink-muted);margin-top:12px;font-size:13px;line-height:1.5}.editorial-roadmap-grid{grid-template-columns:repeat(2,1fr);gap:18px;display:grid}.roadmap-milestone-card{background:var(--surface-card);border:1px solid var(--border-subtle);box-shadow:var(--shadow-card);border-top:3px solid #cbd5e1;border-radius:8px;flex-direction:column;justify-content:space-between;gap:16px;padding:24px;transition:transform .2s,box-shadow .2s,border-color .2s;display:flex}.roadmap-milestone-card:hover{box-shadow:var(--shadow-card-hover);border-top-color:var(--accent-primary);border-color:#cbd5e1;transform:translateY(-2px)}.milestone-header{justify-content:space-between;align-items:center;gap:12px;margin-bottom:12px;display:flex}.milestone-step-pill{background:var(--surface-canvas-subtle);border:1px solid var(--border-subtle);width:32px;height:32px;color:var(--ink-primary);font:700 13px var(--font-heading);font-feature-settings:"tnum" 1;border-radius:6px;place-items:center;display:inline-grid}.milestone-phase-tag{letter-spacing:.08em;text-transform:uppercase;color:var(--accent-primary);font-size:11px;font-weight:800}.milestone-title{font:700 18px/1.3 var(--font-heading);color:var(--ink-primary);text-transform:none;margin:0 0 8px}.milestone-detail{color:var(--ink-secondary);margin:0;font-size:14px;line-height:1.58}.milestone-action-link{color:var(--accent-primary);align-items:center;gap:6px;font-size:13px;font-weight:700;text-decoration:none;display:inline-flex}.milestone-action-link:hover{color:var(--accent-hover);text-decoration:underline}.editorial-tool-card{background:var(--surface-card);border:1px solid var(--border-subtle);box-shadow:var(--shadow-card);border-top:3px solid var(--accent-primary);border-radius:8px;flex-direction:column;justify-content:space-between;padding:24px;text-decoration:none;transition:transform .2s,box-shadow .2s,border-color .2s;display:flex}.editorial-tool-card:hover{box-shadow:var(--shadow-card-hover);border-color:#cbd5e1;border-top-color:var(--accent-primary);transform:translateY(-3px)}.tool-card-badge{background:var(--accent-soft);border:1px solid var(--accent-border);color:var(--accent-primary);letter-spacing:.08em;text-transform:uppercase;border-radius:4px;margin-bottom:12px;padding:3px 8px;font-size:10px;font-weight:800;display:inline-block}.tool-card-title{font:700 19px/1.25 var(--font-heading);color:var(--ink-primary);text-transform:none;margin:0 0 8px;transition:color .15s}.editorial-tool-card:hover .tool-card-title{color:var(--accent-primary)}.tool-card-copy{color:var(--ink-secondary);margin:0 0 18px;font-size:13.5px;line-height:1.55}.tool-card-footer{border-top:1px solid var(--border-subtle);color:var(--accent-primary);justify-content:space-between;align-items:center;padding-top:14px;font-size:13px;font-weight:700;display:flex}.tool-card-arrow{transition:transform .2s}.editorial-tool-card:hover .tool-card-arrow{transform:translate(4px)}.home-section-wrap{max-width:1240px;margin:0 auto;padding:72px 24px}.home-section-header{margin-bottom:32px}.home-section-kicker{color:var(--accent-primary);letter-spacing:.1em;text-transform:uppercase;margin-bottom:8px;font-size:11px;font-weight:800;display:block}.home-section-header h2{font:700 clamp(28px, 3.4vw, 42px)/1.15 var(--font-heading);letter-spacing:-.02em;color:var(--ink-primary);text-transform:none;margin:0 0 12px}.home-section-header p{max-width:800px;color:var(--ink-secondary);margin:0;font-size:17.5px;line-height:1.62}.vc-cards-grid{grid-template-columns:repeat(3,1fr);gap:18px;display:grid}.vc-model-card{background:var(--surface-card);border:1px solid var(--border-subtle);border-top:3px solid var(--accent-primary);box-shadow:var(--shadow-card);border-radius:8px;flex-direction:column;justify-content:space-between;padding:24px;display:flex}.vc-card-head{margin-bottom:16px}.vc-card-badge{letter-spacing:.08em;text-transform:uppercase;color:var(--accent-primary);margin-bottom:6px;font-size:10.5px;font-weight:800;display:inline-block}.vc-card-title{font:700 20px/1.2 var(--font-heading);color:var(--ink-primary);text-transform:none;margin:0}.vc-card-stat-block{border-top:1px solid var(--border-subtle);border-bottom:1px solid var(--border-subtle);margin-bottom:16px;padding:14px 0}.vc-stat-label{text-transform:uppercase;color:var(--ink-muted);font-size:10.5px;font-weight:800;display:block}.vc-stat-big{font:700 32px var(--font-heading);color:var(--ink-primary);font-feature-settings:"tnum" 1;margin:4px 0 2px;line-height:1.05;display:block}.vc-stat-sub{color:var(--ink-muted);font-size:12px;line-height:1.35;display:block}.vc-card-metrics{flex-direction:column;gap:8px;font-size:13px;display:flex}.vc-metric-row{border-bottom:1px dotted var(--border-subtle);justify-content:space-between;gap:10px;padding-bottom:6px;display:flex}.vc-metric-row span{color:var(--ink-muted)}.vc-metric-row b{color:var(--ink-primary)}.home-tools-grid{grid-template-columns:repeat(auto-fit,minmax(320px,1fr));gap:18px;display:grid}.home-hub-grid{grid-template-columns:repeat(3,1fr);gap:18px;display:grid}.home-hub-card{background:var(--surface-card);border:1px solid var(--border-subtle);box-shadow:var(--shadow-card);border-radius:8px;padding:24px;text-decoration:none;transition:transform .2s,border-color .2s,box-shadow .2s}.home-hub-card:hover{box-shadow:var(--shadow-card-hover);border-color:#cbd5e1;transform:translateY(-3px)}.home-hub-kicker{letter-spacing:.08em;text-transform:uppercase;color:var(--accent-primary);margin-bottom:8px;font-size:11px;font-weight:800;display:block}.home-hub-card h3{font:700 20px/1.25 var(--font-heading);color:var(--ink-primary);text-transform:none;margin:0 0 8px}.home-hub-card:hover h3{color:var(--accent-primary)}.home-hub-card p{color:var(--ink-secondary);margin:0 0 14px;font-size:13.5px;line-height:1.55}.home-hub-link{color:var(--accent-primary);align-items:center;gap:6px;font-size:13px;font-weight:700;display:flex}.calculator{background:var(--surface-card);border:1px solid var(--border-subtle);border-top:4px solid var(--accent-primary);box-shadow:var(--shadow-card);border-radius:10px;margin-bottom:48px;padding:32px}.calculator-head{border-bottom:1px solid var(--border-subtle);justify-content:space-between;align-items:center;gap:20px;margin-bottom:24px;padding-bottom:18px;display:flex}.calculator-head h2{font:700 24px var(--font-heading);color:var(--ink-primary);letter-spacing:-.02em;margin:0}.calculator-head button{background:var(--surface-canvas);border:1px solid var(--border-subtle);color:var(--ink-secondary);cursor:pointer;border-radius:6px;padding:6px 14px;font-size:12.5px;font-weight:700;transition:all .15s}.calculator-head button:hover{background:var(--surface-canvas-subtle);color:var(--ink-primary);border-color:#cbd5e1}.calculator-grid{grid-template-columns:1fr 1.05fr;align-items:start;gap:32px;display:grid}.calculator form{gap:16px;display:grid}.calculator label>span{color:var(--ink-primary);margin-bottom:6px;font-size:13.5px;font-weight:700;display:block}.calculator label>div{border:1px solid var(--border-subtle);background:#fff;border-radius:6px;grid-template-columns:1fr auto;align-items:center;transition:border-color .15s,box-shadow .15s;display:grid;overflow:hidden}.calculator label>div:focus-within{border-color:var(--accent-primary);box-shadow:0 0 0 3px var(--accent-soft)}.calculator input{width:100%;min-width:0;min-height:46px;color:var(--ink-primary);font-feature-settings:"tnum" 1;background:0 0;border:0;outline:none;padding:10px 14px;font-size:16px;font-weight:700}.calculator small{color:var(--ink-muted);border-left:1px solid var(--border-subtle);background:var(--surface-canvas-subtle);white-space:nowrap;place-items:center;height:100%;padding:0 14px;font-size:12.5px;font-weight:600;display:grid}.results{background:var(--surface-canvas-subtle);border:1px solid var(--border-subtle);min-height:100%;color:var(--ink-primary);border-radius:8px;flex-direction:column;justify-content:space-between;padding:24px;display:flex}.results>div{border-bottom:1px solid var(--border-subtle);justify-content:space-between;align-items:baseline;gap:16px;padding:11px 0;display:flex}.results>div span{color:var(--ink-secondary);font-size:13.5px;font-weight:600}.results>div strong{font:700 19px var(--font-heading);color:var(--ink-primary);font-feature-settings:"tnum" 1;white-space:nowrap}.results .result-primary{border-bottom:2px solid var(--border-subtle);padding:16px 0 20px;display:block}.results .result-primary span{text-transform:uppercase;letter-spacing:.08em;color:var(--ink-muted);margin-bottom:4px;font-size:11.5px;font-weight:800;display:block}.results .result-primary strong{color:var(--accent-primary);font:700 40px/1.1 var(--font-heading);font-feature-settings:"tnum" 1;letter-spacing:-.02em;display:block}.estimate-note{color:var(--ink-muted);margin:18px 0 0;font-size:12px;line-height:1.45}.error{color:#dc2626;font-size:13px;font-weight:700}.load-profit-breakdown{border-bottom:0!important;padding:16px 0 0!important;display:block!important}.load-profit-breakdown>span{color:var(--ink-muted);text-transform:uppercase;letter-spacing:.06em;margin-bottom:10px;font-size:12px;font-weight:800;display:block}.allocation-bar{background:#e2e8f0;border-radius:4px;height:16px;display:flex;overflow:hidden}.allocation-bar i{min-width:0;display:block}.load-profit-breakdown ul{gap:6px;margin:12px 0 0;padding:0;list-style:none;display:grid}.load-profit-breakdown li{color:var(--ink-secondary);grid-template-columns:10px 1fr auto;align-items:center;gap:8px;font-size:12.5px;display:grid}.load-profit-breakdown li>i{border-radius:2px;width:9px;height:9px}.load-profit-breakdown li>b{color:var(--ink-primary);font-feature-settings:"tnum" 1;font-size:12.5px}.page-shell{width:min(100% - 48px,1200px);margin-inline:auto}.page-hero{background:var(--surface-canvas);color:var(--ink-primary);border-bottom:1px solid var(--border-subtle);padding:44px 0 36px}.page-hero .breadcrumbs{margin-bottom:32px}.page-hero h1{max-width:960px;font:700 clamp(34px, 4.5vw, 52px)/1.12 var(--font-heading);letter-spacing:-.025em;text-transform:none;color:var(--ink-primary);margin:12px 0 16px}.page-hero .hero-intro{max-width:820px;color:var(--ink-secondary);margin:0;font-size:18.5px;line-height:1.6}.decision-hero{background:var(--surface-canvas);border-bottom:1px solid var(--border-subtle)}.decision-hero-grid{grid-template-columns:minmax(0,1.25fr) minmax(280px,.75fr);align-items:center;gap:48px;display:grid}.hero-answer{border:1px solid var(--border-subtle);border-left:4px solid var(--accent-primary);background:var(--surface-card);box-shadow:var(--shadow-card);color:var(--ink-primary);border-radius:8px;padding:24px}.hero-answer h2{font:700 20px var(--font-heading);color:var(--ink-primary);text-transform:none;margin:0 0 10px}.hero-answer p{color:var(--ink-secondary);margin:0;font-size:15px;line-height:1.55}.tool-hero{padding-top:24px;padding-bottom:24px}.tool-hero .breadcrumbs{margin-bottom:16px}.tool-hero h1{margin:6px 0 12px;font-size:clamp(28px,3.8vw,42px)}.tool-hero .hero-intro{color:var(--ink-secondary);font-size:16.5px;line-height:1.55}.breadcrumbs ol{color:var(--ink-muted);flex-wrap:wrap;gap:8px;margin:0;padding:0;font-size:13.5px;list-style:none;display:flex}.breadcrumbs li:not(:last-child):after{content:"/";color:var(--ink-faint);margin-left:8px}.breadcrumbs a{color:var(--ink-muted);text-decoration:none}.breadcrumbs a:hover{color:var(--accent-primary);text-decoration:underline}.byline{color:var(--ink-muted);flex-wrap:wrap;gap:8px 0;margin-top:24px;font-size:13.5px;display:flex}.byline>*{border-right:1px solid var(--border-subtle);padding:0 14px}.byline>:first-child{padding-left:0}.byline>:last-child{border-right:0}.byline a{color:var(--ink-secondary);font-weight:600;text-decoration:none}.byline a:hover{color:var(--accent-primary);text-decoration:underline}.content-layout{grid-template-columns:minmax(0,780px) 290px;align-items:start;gap:60px;padding-top:48px;padding-bottom:80px;display:grid}.tool-layout{padding-top:24px}.article-main{min-width:0}.article-sidebar{gap:18px;display:grid;position:sticky;top:96px}.side-box{border:1px solid var(--border-subtle);background:var(--surface-card);box-shadow:var(--shadow-sm);border-radius:8px;padding:22px;display:grid}.side-box>.section-label{margin-bottom:12px}.side-box>a{border-bottom:1px solid var(--border-faint);color:var(--ink-secondary);padding:9px 0;font-size:13.5px;font-weight:600;text-decoration:none}.side-box>a:last-child{border-bottom:0}.side-box>a:hover{color:var(--accent-primary)}.quick-answer{border:1px solid var(--border-subtle);border-left:4px solid var(--accent-primary);background:var(--surface-card);box-shadow:var(--shadow-card);border-radius:8px;margin:0 0 44px;padding:26px 28px}.quick-answer h2{font:700 22px var(--font-heading);color:var(--ink-primary);text-transform:none;margin:0 0 12px}.quick-answer p{max-width:68ch;color:var(--ink-secondary);margin:0;font-size:18px;line-height:1.65}.prose-section{border-top:1px solid var(--border-subtle);padding:32px 0}.prose-section h2{font:700 clamp(24px, 2.5vw, 32px)/1.2 var(--font-heading);margin:0 0 16px}.prose-section p,.prose-section li{max-width:68ch;color:var(--ink-secondary);font-size:17px;line-height:1.7}.prose-section p{margin:0 0 18px}.prose-section ul{margin-bottom:18px;padding-left:24px}.field-benchmark{background:var(--surface-card);border:1px solid var(--border-subtle);border-top:3px solid var(--accent-primary);box-shadow:var(--shadow-card);border-radius:8px;margin:0 0 44px;padding:28px}.benchmark-head{justify-content:space-between;align-items:flex-start;gap:16px;margin-bottom:20px;display:flex}.benchmark-head h2{font:700 22px var(--font-heading);color:var(--ink-primary);margin:0 0 6px}.benchmark-head p{color:var(--ink-secondary);margin:0;font-size:14.5px}.benchmark-head a{color:var(--accent-primary);white-space:nowrap;font-size:12.5px;font-weight:700;text-decoration:none}.benchmark-head a:hover{text-decoration:underline}.benchmark-values{border-top:1px solid var(--border-subtle);border-bottom:1px solid var(--border-subtle);grid-template-columns:repeat(3,1fr);gap:16px;padding:18px 0;display:grid}.benchmark-values article{background:var(--surface-canvas-subtle);border-radius:6px;padding:12px 14px}.benchmark-values strong{font:700 clamp(24px, 2.5vw, 32px)/1 var(--font-heading);color:var(--accent-primary);font-feature-settings:"tnum" 1;margin-bottom:4px;display:block}.benchmark-values h3{font:700 13.5px var(--font-heading);color:var(--ink-primary);margin:0 0 4px}.benchmark-values p{color:var(--ink-secondary);margin:0;font-size:12px;line-height:1.4}.benchmark-takeaway{color:var(--ink-secondary);background:var(--accent-soft);border-left:3px solid var(--accent-primary);border-radius:6px;margin:18px 0 0;padding:12px 16px;font-size:13.5px;line-height:1.55}.decision-table-section{margin:0 0 44px}.decision-table-section h2{font:700 clamp(22px, 2.2vw, 28px) var(--font-heading);color:var(--ink-primary);margin:0 0 16px}.table-scroll{background:var(--surface-card);border:1px solid var(--border-subtle);max-width:100%;box-shadow:var(--shadow-card);border-radius:8px;overflow-x:auto}.table-scroll table{border-collapse:collapse;text-align:left;width:100%;min-width:700px}.table-scroll caption{color:var(--ink-muted);text-align:left;background:var(--surface-canvas-subtle);border-bottom:1px solid var(--border-subtle);padding:12px 16px;font-size:12.5px;font-weight:600}.table-scroll th,.table-scroll td{border-bottom:1px solid var(--border-subtle);vertical-align:top;padding:12px 16px;font-size:13.5px;line-height:1.5}.table-scroll thead th{background:var(--surface-canvas-subtle);color:var(--ink-primary);letter-spacing:.06em;text-transform:uppercase;border-bottom:2px solid var(--border-subtle);font-size:11px;font-weight:800;position:sticky;top:0}.table-scroll tbody th{color:var(--ink-primary);border-right:1px solid var(--border-subtle);background:#fafaf8;font-weight:700}.table-scroll tbody tr:hover{background:#fafaf8}.table-note{color:var(--ink-muted);margin:12px 0 0;font-size:13px;line-height:1.5}.table-note a{color:var(--accent-primary);text-decoration:underline}.worked-example{background:var(--surface-card);border:1px solid var(--border-subtle);border-top:3px solid var(--accent-primary);box-shadow:var(--shadow-card);border-radius:8px;margin:0 0 44px;padding:28px}.worked-example h2{font:700 22px var(--font-heading);color:var(--ink-primary);margin:0 0 8px}.worked-example p{color:var(--ink-secondary);margin:0 0 16px;font-size:15px}.worked-example ol{gap:8px;margin:0 0 20px;padding:0;list-style:none;display:grid}.worked-example li{background:var(--surface-canvas-subtle);border-radius:6px;justify-content:space-between;gap:16px;padding:10px 14px;font-size:13.5px;display:flex}.worked-example li b{color:var(--accent-primary);font-size:13px}.worked-example>strong{background:var(--ink-primary);color:#fff;border-radius:6px;padding:14px 18px;font-size:14px;font-weight:600;display:block}.decision-system{margin:0 0 44px}.decision-system h2{font:700 22px var(--font-heading);color:var(--ink-primary);margin:0 0 16px}.decision-system>div{grid-template-columns:repeat(2,1fr);gap:16px;display:grid}.decision-system article{background:var(--surface-card);border:1px solid var(--border-subtle);border-top:3px solid var(--accent-primary);box-shadow:var(--shadow-card);border-radius:8px;padding:20px}.decision-system article>span{background:var(--accent-soft);width:26px;height:26px;color:var(--accent-primary);font:800 12px var(--font-heading);border-radius:50%;place-items:center;margin-bottom:10px;display:inline-grid}.decision-system h3{font:700 17px var(--font-heading);color:var(--ink-primary);margin:0 0 6px}.decision-system p{color:var(--ink-secondary);margin:0;font-size:13.5px;line-height:1.5}.editorial-image{border:1px solid var(--border-subtle);background:var(--surface-card);border-radius:8px;margin:24px 0 36px;overflow:hidden}.editorial-image img{width:100%;height:auto;display:block}.editorial-image figcaption{color:var(--ink-muted);background:var(--surface-canvas-subtle);justify-content:space-between;align-items:center;gap:16px;padding:12px 18px;font-size:13px;display:flex}.editorial-image figcaption span{letter-spacing:.08em;text-transform:uppercase;color:var(--accent-primary);font-size:10.5px;font-weight:800}.archive-banner{background:var(--surface-canvas-subtle);border:1px solid var(--border-subtle);border-left:4px solid var(--ink-muted);border-radius:8px;margin:0 0 32px;padding:18px 22px}.archive-banner b{text-transform:uppercase;letter-spacing:.08em;color:var(--ink-primary);margin-bottom:4px;font-size:13px;font-weight:800;display:block}.archive-banner p{color:var(--ink-secondary);margin:0;font-size:14px;line-height:1.5}.faq-section{border-top:1px solid var(--border-subtle);margin-top:32px;padding-top:16px}.faq-section article{border-bottom:1px solid var(--border-subtle);padding:20px 0}.faq-section h3{font:700 18px/1.3 var(--font-heading);color:var(--ink-primary);text-transform:none;margin:0 0 8px}.faq-section p{max-width:68ch;color:var(--ink-secondary);margin:0;font-size:15.5px;line-height:1.6}.source-section{margin-top:32px}.source-section h2{font:700 22px var(--font-heading);margin-bottom:16px}.source-section>a{border-top:1px solid var(--border-subtle);justify-content:space-between;align-items:center;gap:20px;padding:16px 0;text-decoration:none;transition:color .15s;display:flex}.source-section>a:last-child{border-bottom:1px solid var(--border-subtle)}.source-section a>span{display:grid}.source-section b{color:var(--ink-primary);font-size:14.5px}.source-section small{color:var(--ink-muted);margin-top:3px;font-size:13px}.source-section i{color:var(--accent-primary);font-size:18px;font-style:normal}.source-section a:hover b{color:var(--accent-primary)}.trust-band{background:var(--surface-canvas-subtle);border:1px solid var(--border-subtle);border-radius:8px;grid-template-columns:1fr 1.1fr auto;align-items:center;gap:36px;margin-top:48px;padding:44px max(24px,50vw - 640px);display:grid}.trust-band h2{text-transform:none;margin:0;font-size:26px}.trust-band p{color:var(--ink-secondary);margin:0;font-size:14.5px;line-height:1.55}.trust-band>div:last-child{gap:8px;font-size:14px;font-weight:700;display:grid}.trust-band a{color:var(--accent-primary);text-decoration:none}.trust-band a:hover{text-decoration:underline}.site-footer{color:#f8fafc;background:#0f172a;padding:56px max(24px,50vw - 640px) 28px}.footer-top{grid-template-columns:1.6fr repeat(3,1fr);gap:48px;padding-bottom:45px;display:grid}.footer-about .brand strong{color:#fff}.footer-about .brand small{color:#94a3b8}.footer-about p{color:#94a3b8;max-width:320px;margin-top:12px;font-size:14px;line-height:1.5}.footer-top>div:not(:first-child){flex-direction:column;gap:8px;display:flex}.footer-top b{font:700 13px var(--font-heading);letter-spacing:.08em;text-transform:uppercase;color:#fdba74;margin-bottom:6px}.footer-top a{color:#cbd5e1;font-size:13.5px;text-decoration:none;transition:color .15s}.footer-top a:hover{color:#fff;text-decoration:underline}.footer-bottom{color:#94a3b8;border-top:1px solid #ffffff1a;justify-content:space-between;align-items:center;gap:30px;padding-top:20px;font-size:12.5px;display:flex}.footer-bottom p{max-width:560px;margin:0}.footer-bottom a{color:#cbd5e1;text-decoration:none}.footer-bottom a:hover{color:#fff;text-decoration:underline}.footer-bottom>div{flex-wrap:wrap;justify-content:flex-end;gap:16px;display:flex}.vc-section-subhead{font:700 17px var(--font-heading);color:var(--ink-primary);letter-spacing:-.01em;margin:0 0 14px}.vc-curve-steps{grid-template-columns:repeat(3,1fr);gap:16px;margin-bottom:28px;display:grid}.vc-curve-card{background:var(--surface-card);border:1px solid var(--border-subtle);border-top:3px solid var(--accent-primary);box-shadow:var(--shadow-card);color:var(--ink-primary);border-radius:8px;padding:22px 20px;position:relative}.vc-step-pill{background:var(--accent-soft);width:24px;height:24px;color:var(--accent-primary);border:1px solid var(--accent-border);border-radius:50%;place-items:center;margin-bottom:12px;font-size:11px;font-weight:800;display:grid}.vc-step-head{margin-bottom:12px}.vc-step-period{letter-spacing:.08em;text-transform:uppercase;color:var(--ink-muted);font-size:11px;display:block}.vc-step-title{font:700 17px var(--font-heading);color:var(--ink-primary);display:block}.vc-step-cost strong{font:700 28px var(--font-heading);color:var(--accent-primary);font-feature-settings:"tnum" 1;display:block}.vc-step-cost small{color:var(--ink-muted);font-size:12px;display:block}.vc-step-note{color:var(--ink-secondary);margin:10px 0 0;font-size:12.5px;line-height:1.45}.vc-layers-list{gap:10px;display:grid}.vc-layer-row{background:var(--surface-canvas-subtle);border:1px solid var(--border-subtle);border-radius:6px;justify-content:space-between;align-items:center;gap:16px;padding:14px 18px;display:flex}.vc-layer-main strong{color:var(--ink-primary);font-size:14.5px;display:block}.vc-layer-main p{color:var(--ink-muted);margin:2px 0 0;font-size:12px}.vc-layer-share{text-align:right;flex:none}.vc-share-badge{font:700 19px var(--font-heading);color:var(--accent-primary);font-feature-settings:"tnum" 1;display:block}.vc-share-cost{color:var(--ink-muted);font-size:12px;font-weight:600;display:block}.vc-stack-grid{grid-template-columns:repeat(5,1fr);gap:12px;display:grid}.vc-stack-item{background:var(--surface-card);border:1px solid var(--border-subtle);box-shadow:var(--shadow-sm);border-radius:6px;flex-direction:column;justify-content:space-between;padding:18px 14px;display:flex}.vc-stack-item.highlight{background:var(--surface-canvas-subtle);border-color:var(--accent-primary);border-top:3px solid var(--accent-primary)}.vc-stack-top{flex-direction:column;gap:6px;margin-bottom:12px;display:flex}.vc-stack-badge{letter-spacing:.08em;text-transform:uppercase;background:var(--surface-canvas-subtle);border:1px solid var(--border-subtle);color:var(--ink-primary);border-radius:3px;align-self:flex-start;padding:2px 6px;font-size:9.5px;font-weight:800}.vc-stack-badge.save{color:#15803d;background:#dcfce7;border-color:#bbf7d0}.vc-stack-badge.fee{color:#b91c1c;background:#fee2e2;border-color:#fca5a5}.vc-stack-badge.net{background:var(--accent-soft);color:var(--accent-primary);border-color:var(--accent-border)}.vc-stack-val{font:700 24px var(--font-heading);color:var(--ink-primary);font-feature-settings:"tnum" 1}.vc-stack-item.highlight .vc-stack-val{color:var(--accent-primary)}.vc-stack-label{font:700 13px/1.2 var(--font-heading);color:var(--ink-primary);margin:0 0 6px}.vc-stack-note{color:var(--ink-muted);margin:0;font-size:11px;line-height:1.35}.vc-factor-grid{grid-template-columns:repeat(4,1fr);gap:14px;display:grid}.vc-factor-card{background:var(--surface-card);border:1px solid var(--border-subtle);box-shadow:var(--shadow-card);border-radius:8px;flex-direction:column;justify-content:space-between;padding:20px;display:flex}.vc-factor-header{flex-direction:column;margin-bottom:12px;display:flex}.vc-factor-fee{font:700 18px var(--font-heading);color:var(--ink-primary)}.vc-factor-days{color:var(--ink-muted);font-size:11px}.vc-factor-apr{border-top:1px solid var(--border-subtle);border-bottom:1px solid var(--border-subtle);margin-bottom:12px;padding:12px 0}.vc-factor-apr-label{text-transform:uppercase;color:var(--ink-muted);font-size:10px;font-weight:800;display:block}.vc-factor-apr-num{font:700 28px var(--font-heading);color:#dc2626;font-feature-settings:"tnum" 1;line-height:1.1;display:block}.vc-detail-row{color:var(--ink-secondary);justify-content:space-between;margin-bottom:6px;font-size:12px;display:flex}.vc-factor-verdict{color:var(--ink-muted);margin:0;font-size:11.5px;line-height:1.35}.vc-scorecard-container{flex-direction:column;gap:20px;display:flex}.vc-scorecard-tabs{border-bottom:1px solid var(--border-subtle);gap:10px;padding-bottom:12px;display:flex}.vc-tab-btn{border:1px solid var(--border-subtle);background:var(--surface-card);color:var(--ink-secondary);cursor:pointer;border-radius:6px;padding:8px 18px;font-size:13px;font-weight:700;transition:all .15s}.vc-tab-btn.active{background:var(--ink-primary);color:#fff;border-color:var(--ink-primary)}.vc-scorecard-grid{grid-template-columns:repeat(4,1fr);gap:16px;display:grid}.vc-scorecard-card{background:var(--surface-card);border:1px solid var(--border-subtle);box-shadow:var(--shadow-sm);border-radius:8px;flex-direction:column;justify-content:space-between;padding:20px;display:flex}.vc-card-top{border-bottom:1px solid var(--border-subtle);margin-bottom:16px;padding-bottom:12px}.vc-card-badge{text-transform:uppercase;letter-spacing:.06em;background:var(--accent-soft);color:var(--accent-primary);border:1px solid var(--accent-border);border-radius:4px;margin-bottom:6px;padding:2px 8px;font-size:10px;font-weight:800;display:inline-block}.vc-card-platform{font:700 19px var(--font-heading);color:var(--ink-primary);margin:0 0 4px}.vc-card-sub{color:var(--ink-muted);margin:0;font-size:11.5px}.vc-card-body{flex-direction:column;gap:12px;display:flex}.vc-stat-block{flex-direction:column;display:flex}.vc-stat-label{text-transform:uppercase;color:var(--ink-muted);font-size:10px;font-weight:800}.vc-stat-number{font:700 22px var(--font-heading);color:var(--ink-primary);font-feature-settings:"tnum" 1}.vc-stat-text{color:var(--ink-primary);font-size:13px;font-weight:700}.vc-score-bar-group{flex-direction:column;gap:4px;margin-top:4px;display:flex}.vc-score-bar-label{color:var(--ink-secondary);justify-content:space-between;font-size:11px;font-weight:700;display:flex}.vc-meter-track{background:#e2e8f0;border-radius:3px;width:100%;height:6px;overflow:hidden}.vc-meter-fill{background:var(--accent-primary);height:100%;transition:width .3s}.vc-fit-summary{color:var(--ink-muted);border-top:1px solid var(--border-subtle);margin:8px 0 0;padding-top:8px;font-size:11.5px;line-height:1.4}.vc-breakeven-wrapper{flex-direction:column;gap:18px;display:flex}.vc-tier-picker{flex-wrap:wrap;justify-content:space-between;align-items:center;gap:14px;display:flex}.vc-picker-caption{text-transform:uppercase;color:var(--ink-muted);font-size:11.5px;font-weight:800}.vc-picker-btns{gap:8px;display:flex}.vc-tier-btn{border:1px solid var(--border-subtle);background:var(--surface-card);color:var(--ink-secondary);cursor:pointer;border-radius:6px;padding:6px 14px;font-size:12px;font-weight:700}.vc-tier-btn.active{background:var(--ink-primary);color:#fff;border-color:var(--ink-primary)}.vc-tier-description{color:var(--ink-muted);margin:0;font-size:13px;font-style:italic}.vc-curve-chart{background:var(--surface-canvas-subtle);border:1px solid var(--border-subtle);border-radius:8px;padding:24px}.vc-curve-bars{grid-template-columns:repeat(4,1fr);align-items:flex-end;gap:16px;min-height:220px;display:grid}.vc-curve-bar-col{flex-direction:column;align-items:center;gap:8px;display:flex}.vc-curve-total-badge{font:700 18px var(--font-heading);color:var(--accent-primary);font-feature-settings:"tnum" 1}.vc-curve-bar-stack{border:1px solid var(--border-subtle);background:#e2e8f0;border-radius:4px;flex-direction:column-reverse;width:100%;height:180px;display:flex;overflow:hidden}.vc-bar-seg-fixed{background:var(--accent-primary);color:#fff;justify-content:center;align-items:center;font-size:11px;font-weight:700;transition:height .3s;display:flex}.vc-bar-seg-var{color:#fff;background:#2563eb;justify-content:center;align-items:center;font-size:11px;font-weight:700;display:flex}.vc-curve-label-row{text-align:center;color:var(--ink-primary);flex-direction:column;font-size:12px;display:flex}.vc-curve-label-row small{color:var(--ink-muted);font-size:10.5px}.vc-curve-callout{grid-template-columns:1fr 1fr;gap:16px;margin-top:14px;display:grid}.vc-callout-item{background:var(--surface-card);border:1px solid var(--border-subtle);border-left:3px solid var(--accent-primary);color:var(--ink-secondary);border-radius:6px;padding:14px;font-size:12.5px;line-height:1.45}.vc-highlight{color:var(--accent-primary);font-weight:800}.vc-compliance-timeline{flex-direction:column;gap:22px;display:flex}.vc-quarter-grid{grid-template-columns:repeat(4,1fr);gap:14px;display:grid}.vc-quarter-card{background:var(--surface-card);border:1px solid var(--border-subtle);border-top:3px solid var(--accent-primary);box-shadow:var(--shadow-sm);border-radius:8px;flex-direction:column;padding:18px;display:flex}.vc-quarter-head{border-bottom:1px solid var(--border-subtle);align-items:center;gap:10px;margin-bottom:14px;padding-bottom:10px;display:flex}.vc-q-badge{font:800 18px var(--font-heading);color:var(--accent-primary);background:var(--accent-soft);border:1px solid var(--accent-border);border-radius:4px;padding:2px 8px}.vc-q-title{font:700 14px var(--font-heading);color:var(--ink-primary);margin:0}.vc-q-sub{color:var(--ink-muted);text-transform:uppercase;font-size:10px;font-weight:700}.vc-q-item-list{flex-direction:column;gap:12px;display:flex}.vc-q-item{flex-direction:column;gap:3px;display:flex}.vc-q-item-top{justify-content:space-between;align-items:center;display:flex}.vc-q-date{color:var(--accent-primary);text-transform:uppercase;font-size:10px;font-weight:800}.vc-q-tag{background:var(--surface-canvas-subtle);color:var(--ink-secondary);border:1px solid var(--border-subtle);text-transform:uppercase;border-radius:3px;padding:1px 5px;font-size:9px;font-weight:800}.vc-q-task{color:var(--ink-primary);font-size:12px;font-weight:600;line-height:1.25}.vc-q-detail{color:var(--ink-muted);margin:0;font-size:11px;line-height:1.35}.vc-fmcsa-warning-box{background:#fef2f2;border:1px solid #fecaca;border-left:4px solid #ef4444;border-radius:6px;padding:16px 20px}.vc-warning-title{font:700 15px var(--font-heading);color:#991b1b;margin:0 0 6px}.vc-warning-text{color:#7f1d1d;margin:0 0 10px;font-size:12.5px;line-height:1.45}.vc-warning-pills{flex-wrap:wrap;gap:8px;display:flex}.vc-warn-pill{color:#991b1b;background:#fee2e2;border:1px solid #fca5a5;border-radius:4px;padding:3px 10px;font-size:11px;font-weight:700}.vc-tax-stack-wrapper{flex-direction:column;gap:20px;display:flex}.vc-tax-flow{flex-direction:column;gap:10px;display:flex}.vc-tax-step{background:var(--surface-card);border:1px solid var(--border-subtle);border-radius:6px;flex-direction:column;gap:6px;padding:14px 18px;display:flex}.vc-tax-step-top{align-items:center;gap:12px;display:flex}.vc-tax-idx{background:var(--accent-soft);width:22px;height:22px;color:var(--accent-primary);border:1px solid var(--accent-border);border-radius:50%;justify-content:center;align-items:center;font-size:11px;font-weight:800;display:flex}.vc-tax-label{font:700 14px var(--font-heading);color:var(--ink-primary);flex:1}.vc-tax-amount{font:700 18px var(--font-heading);color:var(--ink-primary);font-feature-settings:"tnum" 1}.vc-tax-note{color:var(--ink-muted);margin:0;font-size:11.5px;line-height:1.35}.vc-tax-bar-track{background:#e2e8f0;border-radius:3px;width:100%;height:6px;overflow:hidden}.vc-tax-bar-fill{border-radius:3px;height:100%;transition:width .3s}.vc-tax-verdict-card{background:var(--surface-canvas-subtle);border:1px solid var(--border-subtle);color:var(--ink-primary);border-radius:8px;grid-template-columns:1fr 1fr;gap:16px;padding:20px;display:grid}.vc-verdict-column{flex-direction:column;gap:6px;display:flex}.vc-verdict-label{text-transform:uppercase;color:var(--ink-muted);font-size:10.5px;font-weight:800}.vc-verdict-value{font:700 20px var(--font-heading);color:var(--accent-primary);font-feature-settings:"tnum" 1}.vc-verdict-column p{color:var(--ink-secondary);margin:0;font-size:12px;line-height:1.45}@media (max-width:1024px){.stat-callout-grid.cols-4{grid-template-columns:repeat(2,1fr)}.vc-cards-grid{grid-template-columns:1fr}.vc-takeaways-grid{grid-template-columns:repeat(2,1fr)}.editorial-roadmap-grid{grid-template-columns:1fr}.home-hub-grid{grid-template-columns:repeat(2,1fr)}.calculator-grid{grid-template-columns:1fr}.trust-band{grid-template-columns:1fr;gap:20px}}@media (max-width:900px){.desktop-nav{display:none}.mobile-menu{display:block}.mobile-menu summary{border:1px solid var(--border-subtle);cursor:pointer;min-height:40px;color:var(--ink-primary);border-radius:6px;place-items:center;padding:6px 12px;font-size:13px;font-weight:700;list-style:none;display:grid}.mobile-menu summary::-webkit-details-marker{display:none}.mobile-menu[open] nav{z-index:30;background:var(--surface-card);border-bottom:2px solid var(--accent-primary);grid-template-columns:repeat(2,1fr);display:grid;position:absolute;top:100%;left:0;right:0;box-shadow:0 16px 30px #0f172a1a}@media (max-width:480px){.mobile-menu[open] nav{grid-template-columns:1fr}}.mobile-menu nav a{border-bottom:1px solid var(--border-subtle);min-height:48px;color:var(--ink-primary);align-items:center;padding:10px 20px;font-size:14px;font-weight:700;text-decoration:none;display:flex}.content-layout{grid-template-columns:minmax(0,1fr);gap:36px}.decision-hero-grid{grid-template-columns:1fr;gap:24px}.article-sidebar{grid-template-columns:1fr 1fr;position:static}.vc-waterfall-row{grid-template-columns:4px 1fr 90px;gap:10px}.vc-row-bar-wrap{display:none}.footer-top{grid-template-columns:1fr 1fr}.footer-about{grid-column:1/3}}@media (max-width:640px){.site-header{gap:12px;min-height:68px;padding-inline:16px}.brand-mark{width:36px;height:36px}.brand strong{font-size:16px}.brand small{display:none}.stat-callout-grid.cols-4,.vc-takeaways-grid,.home-hub-grid{grid-template-columns:1fr}.editorial-hero-title{font-size:32px}.editorial-hero-lead{font-size:16.5px}.editorial-hero-actions{flex-direction:column}.editorial-btn{justify-content:center;width:100%}.chart-card-content,.vc-chart-canvas{padding:18px 14px}.calculator{margin-inline:-8px;padding:20px 16px}.article-sidebar,.footer-top{grid-template-columns:1fr}.footer-about{grid-column:auto}.footer-bottom{flex-direction:column;align-items:flex-start;gap:14px}.footer-bottom>div{justify-content:flex-start}}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}.vc-flagship-utility-bar{background:var(--surface-canvas-subtle);border-bottom:1px solid var(--border-subtle);justify-content:space-between;align-items:center;gap:12px;padding:12px 24px;display:flex}.vc-flagship-tag{align-items:center;gap:8px;font-size:11px;display:flex}.vc-canvas-flush{padding:0!important}.vc-canvas-flush>.vc-poster-card{box-shadow:none;border:0;border-radius:0;margin-bottom:0}.vc-poster-card{background:var(--surface-card);border:1px solid var(--border-subtle);border-radius:8px;margin-bottom:36px;overflow:hidden;box-shadow:0 4px 20px -2px #0f172a0d}.vc-poster-header{background:var(--surface-card);border-bottom:1px solid var(--border-subtle);padding:24px 28px 20px}.vc-poster-meta{letter-spacing:.08em;text-transform:uppercase;align-items:center;gap:8px;margin-bottom:8px;font-size:11px;font-weight:800;display:flex}.vc-flag-badge{color:var(--accent-primary);background:#fff7ed;border:1px solid #ffedd5;border-radius:3px;padding:2px 8px}.vc-flag-separator{color:var(--border-subtle)}.vc-flag-source{color:var(--ink-muted);letter-spacing:normal;text-transform:none;font-weight:600}.vc-poster-title-bar{justify-content:space-between;align-items:flex-start;gap:20px;display:flex}.vc-poster-title{color:#0f172a;letter-spacing:-.015em;text-transform:none;margin:0 0 6px;font-family:Newsreader,Charter,Georgia,serif;font-size:clamp(23px,2.4vw,29px);font-weight:700;line-height:1.2}.vc-poster-subtitle{color:var(--ink-secondary);max-width:680px;margin:0;font-size:13.5px;line-height:1.45}.vc-mode-switch{background:var(--surface-canvas-subtle);border:1px solid var(--border-subtle);border-radius:6px;flex:none;gap:2px;padding:3px;display:inline-flex}.vc-switch-btn{color:var(--ink-secondary);cursor:pointer;white-space:nowrap;background:0 0;border:0;border-radius:4px;padding:5px 12px;font-size:12px;font-weight:700;transition:all .15s}.vc-switch-btn.active{background:var(--ink-primary);color:#fff;box-shadow:0 1px 3px #0000001a}.vc-stack-bar-strip{background:var(--surface-canvas-subtle);border-bottom:1px solid var(--border-subtle);padding:16px 28px}.vc-stack-bar-track{background:#e2e8f0;border-radius:4px;height:14px;display:flex;overflow:hidden;box-shadow:inset 0 1px 2px #0000000f}.vc-stack-bar-seg{cursor:pointer;opacity:.88;height:100%;transition:opacity .15s,filter .15s}.vc-stack-bar-seg:hover,.vc-stack-bar-seg.active{opacity:1;filter:brightness(1.1)}.vc-stack-legend{flex-wrap:wrap;gap:6px;margin-top:12px;display:flex}.vc-legend-pill{background:var(--surface-card);border:1px solid var(--border-subtle);color:var(--ink-secondary);cursor:pointer;border-radius:4px;align-items:center;gap:6px;padding:4px 9px;font-size:11.5px;transition:all .15s;display:inline-flex}.vc-legend-pill:hover,.vc-legend-pill.active{color:var(--ink-primary);background:#fff;border-color:#cbd5e1;box-shadow:0 2px 5px #0000000a}.vc-pill-dot{border-radius:50%;flex:none;width:7px;height:7px}.vc-pill-text{font-weight:600}.vc-pill-pct{font-feature-settings:"tnum" 1}.vc-spread-container{border-bottom:1px solid var(--border-subtle);background:#faf9f5;grid-template-columns:270px 1fr 270px;align-items:center;gap:20px;padding:28px 24px;display:grid}.vc-spread-col{flex-direction:column;gap:12px;display:flex}.vc-callout-card{cursor:pointer;background:#fff;border:1px solid #e2e8f0;border-radius:6px;flex-direction:column;gap:6px;padding:14px 16px;transition:all .2s;display:flex;box-shadow:0 2px 6px #0f172a08}.vc-spread-col.left .vc-callout-card{border-left-width:4px}.vc-spread-col.right .vc-callout-card{border-right-width:4px}.vc-callout-card:hover,.vc-callout-card.active{border-color:#cbd5e1;transform:translateY(-2px);box-shadow:0 6px 16px #0f172a14}.vc-callout-top{align-items:center;gap:6px;display:flex}.vc-callout-num{font:800 10px var(--font-heading);color:#fff;border-radius:3px;padding:1px 5px;line-height:1.3}.vc-callout-category{letter-spacing:.06em;text-transform:uppercase;color:var(--ink-muted);font-size:10px;font-weight:800}.vc-callout-pct{font-feature-settings:"tnum" 1;margin-left:auto;font-size:11px;font-weight:800}.vc-callout-title{font:700 14px/1.25 var(--font-heading);color:var(--ink-primary);margin:0}.vc-callout-cost{align-items:baseline;gap:3px;display:flex}.vc-callout-cost strong{font:700 18px/1 var(--font-heading);color:var(--ink-primary);font-feature-settings:"tnum" 1}.vc-callout-cost small{color:var(--ink-muted);font-size:11px}.vc-callout-story{color:var(--ink-secondary);margin:0;font-size:11.5px;line-height:1.35}.vc-spread-center{flex-direction:column;align-items:center;display:flex}.vc-cutaway-frame{border-radius:8px;width:100%;max-width:640px;position:relative;overflow:visible}.vc-cutaway-img{filter:drop-shadow(0 12px 28px #0f172a1f);border-radius:8px;width:100%;height:auto;display:block}.vc-truck-pin{cursor:pointer;z-index:10;background:0 0;border:0;padding:0;position:absolute;transform:translate(-50%,-50%)}.vc-pin-aura{opacity:.28;border-radius:50%;width:30px;height:30px;animation:2s cubic-bezier(0,0,.2,1) infinite vc-ping-anim;position:absolute;top:-15px;left:-15px}.vc-truck-pin.active .vc-pin-aura{opacity:.5;animation-duration:1.2s}.vc-pin-core{border:2.5px solid #fff;border-radius:50%;width:14px;height:14px;transition:transform .15s;position:absolute;top:-7px;left:-7px;box-shadow:0 2px 8px #00000059}.vc-truck-pin:hover .vc-pin-core,.vc-truck-pin.active .vc-pin-core{transform:scale(1.25)}.vc-pin-tooltip{color:var(--ink-primary);border:1px solid var(--border-subtle);white-space:nowrap;z-index:20;text-align:center;pointer-events:none;background:#fff;border-top-width:3px;border-radius:4px;flex-direction:column;gap:1px;padding:5px 8px;font-size:11px;display:flex;position:absolute;bottom:14px;left:50%;transform:translate(-50%);box-shadow:0 4px 14px #0f172a29}.vc-pin-tooltip strong{font-size:10.5px}.vc-pin-tooltip span{font-feature-settings:"tnum" 1;font-weight:700}.vc-center-caption{font-size:10px;font-family:var(--font-mono,monospace);color:var(--ink-muted);letter-spacing:.08em;text-align:center;margin-top:14px}.vc-center-caption span{color:var(--ink-secondary);font-weight:800}.vc-zone-deepdive-card{background:var(--surface-card);border-top:4px solid var(--accent-primary);border-bottom:1px solid var(--border-subtle);padding:20px 28px}.vc-deepdive-head{justify-content:space-between;align-items:flex-start;gap:16px;margin-bottom:14px;display:flex}.vc-deepdive-badge{letter-spacing:.08em;text-transform:uppercase;margin-bottom:3px;font-size:11px;font-weight:800;display:block}.vc-deepdive-title{font:700 19px var(--font-heading);color:var(--ink-primary);margin:0}.vc-deepdive-metric{text-align:right;flex:none}.vc-deepdive-cost{font:700 24px/1.1 var(--font-heading);font-feature-settings:"tnum" 1;display:block}.vc-deepdive-cost small{color:var(--ink-muted);font-size:13px}.vc-deepdive-range{color:var(--ink-secondary);font-size:11px}.vc-deepdive-grid{grid-template-columns:1fr 1.3fr;gap:20px;margin-bottom:12px;display:grid}.vc-deepdive-col strong{text-transform:uppercase;letter-spacing:.05em;color:var(--ink-muted);margin-bottom:4px;font-size:11px;display:block}.vc-deepdive-col p{color:var(--ink-secondary);margin:0;font-size:13px;line-height:1.45}.vc-deepdive-footer{border-top:1px dashed var(--border-subtle);padding-top:10px}.vc-citation-pill{color:var(--ink-muted);font-size:10.5px;font-family:var(--font-mono,monospace)}.vc-table-section{border-top:1px solid var(--border-subtle);background:var(--surface-card);padding:20px 28px 24px}.vc-table-heading{font:700 15px var(--font-heading);color:var(--ink-primary);text-transform:none;margin:0 0 14px}.vc-table-scroll{overflow-x:auto}.vc-cost-table{border-collapse:collapse;width:100%;min-width:680px;font-size:13px}.vc-cost-table th,.vc-cost-table td{border-bottom:1px solid var(--border-subtle);text-align:left;padding:10px 14px}.vc-cost-table th{background:var(--surface-canvas-subtle);letter-spacing:.06em;text-transform:uppercase;color:var(--ink-muted);font-size:11px;font-weight:800}.vc-cost-table th.num,.vc-cost-table td.num{text-align:right}.vc-cost-table tr.active-row,.vc-cost-table tr:hover{background:#f8fafc}.vc-td-name{align-items:center;gap:8px;display:flex}.vc-td-bullet{border-radius:50%;flex:none;width:8px;height:8px}.vc-cat-pill{background:var(--surface-canvas-subtle);border:1px solid var(--border-subtle);color:var(--ink-secondary);border-radius:3px;padding:2px 7px;font-size:11px}.vc-td-vuln{color:var(--ink-secondary);font-size:12px}.vc-total-row{background:var(--surface-canvas-subtle)}.vc-total-row td{border-top:2px solid var(--border-subtle);border-bottom:2px solid var(--border-subtle)}.vc-sankey-kpi-bar{background:var(--surface-canvas-subtle);border-bottom:1px solid var(--border-subtle);justify-content:space-between;align-items:center;gap:12px;padding:16px 28px;display:flex}.vc-kpi-block{background:var(--surface-card);border:1px solid var(--border-subtle);border-radius:6px;flex-direction:column;flex:1;gap:2px;padding:12px 16px;display:flex}.vc-kpi-block.gross{border-left:4px solid #0f172a}.vc-kpi-block.deductions{border-left:4px solid #dc2626}.vc-kpi-block.net{border-left:4px solid #10b981}.vc-kpi-tag{letter-spacing:.08em;color:var(--ink-muted);font-size:10px;font-weight:800}.vc-kpi-number{font:700 22px/1.2 var(--font-heading);color:var(--ink-primary);font-feature-settings:"tnum" 1}.vc-kpi-sub{color:var(--ink-secondary);font-size:11px}.vc-kpi-arrow{color:var(--ink-muted);flex:none;font-size:18px;font-weight:700}.vc-sankey-canvas-wrapper{background:var(--surface-card);padding:24px 28px}.vc-sankey-svg{width:100%;height:auto;display:block}.vc-sankey-ribbon:hover path{opacity:.95;filter:drop-shadow(0 2px 6px #0000001a)}.vc-sankey-inspector{border:1px solid var(--border-subtle);background:#f8fafc;border-radius:6px;margin:0 28px 24px;padding:16px 20px}.vc-inspector-head{align-items:center;gap:12px;margin-bottom:6px;display:flex}.vc-inspector-badge{color:#fff;text-transform:uppercase;border-radius:3px;padding:2px 7px;font-size:10.5px;font-weight:800}.vc-inspector-title{font:700 16px var(--font-heading);color:var(--ink-primary);margin:0}.vc-inspector-amt{font:700 16px var(--font-heading);color:var(--ink-primary);font-feature-settings:"tnum" 1;margin-left:auto}.vc-inspector-amt small{color:var(--ink-muted);margin-left:6px;font-size:12px;font-weight:500}.vc-inspector-insight{color:var(--ink-secondary);margin:0;font-size:13px;line-height:1.45}.vc-comparison-section{border-top:1px solid var(--border-subtle);background:var(--surface-canvas-subtle);padding:20px 28px 28px}.vc-comparison-heading{font:700 16px var(--font-heading);color:var(--ink-primary);margin:0 0 16px}.vc-models-grid{grid-template-columns:repeat(3,1fr);gap:16px;display:grid}.vc-comp-card{background:var(--surface-card);border:1px solid var(--border-subtle);border-radius:6px;flex-direction:column;gap:12px;padding:20px;display:flex}.vc-comp-card.featured{border-color:#0f172a;box-shadow:0 4px 12px #0f172a14}.vc-comp-card-badge{letter-spacing:.06em;text-transform:uppercase;color:#475569;background:#f1f5f9;border-radius:3px;align-self:flex-start;padding:2px 7px;font-size:10.5px;font-weight:800}.vc-comp-card-badge.featured{color:#047857;background:#ecfdf5}.vc-comp-card-badge.danger{color:#b91c1c;background:#fef2f2}.vc-comp-title{font:700 16px var(--font-heading);color:var(--ink-primary);margin:0}.vc-comp-stat{background:var(--surface-canvas-subtle);border-radius:4px;flex-direction:column;gap:2px;padding:10px 12px;display:flex}.vc-comp-label{text-transform:uppercase;color:var(--ink-muted);font-size:10.5px;font-weight:700}.vc-comp-num{font:700 24px/1.1 var(--font-heading);font-feature-settings:"tnum" 1}.vc-comp-sub{color:var(--ink-secondary);font-size:11px}.vc-comp-list{color:var(--ink-secondary);flex-direction:column;gap:6px;margin:0;padding:0;font-size:12.5px;list-style:none;display:flex}.vc-verdict-banner{border:1px solid #fed7aa;border-left:4px solid var(--accent-primary);background:#fffbf6;border-radius:6px;margin:20px 28px 24px;padding:20px 24px}.vc-verdict-tag{letter-spacing:.08em;text-transform:uppercase;color:var(--accent-primary);margin-bottom:4px;font-size:10.5px;font-weight:800}.vc-verdict-title{font:700 17px var(--font-heading);color:var(--ink-primary);margin:0 0 6px}.vc-verdict-copy{color:var(--ink-secondary);margin:0;font-size:13px;line-height:1.5}.vc-escalator-display{border-bottom:1px solid var(--border-subtle);background:#f8fafc;padding:28px}.vc-escalator-stairs{grid-template-columns:repeat(4,1fr);align-items:flex-end;gap:16px;display:grid}.vc-stair-step{background:var(--surface-card);border:1px solid var(--border-subtle);border-top-width:4px;border-radius:6px;flex-direction:column;gap:12px;padding:16px;display:flex;box-shadow:0 2px 6px #00000008}.vc-stair-header{justify-content:space-between;align-items:center;font-size:11.5px;display:flex}.vc-stair-days{color:var(--ink-primary);font-weight:700}.vc-stair-fee{color:var(--ink-muted);font-size:10.5px}.vc-stair-bar{color:#fff;text-align:center;border-radius:4px;flex-direction:column;justify-content:center;align-items:center;padding:12px;transition:transform .2s;display:flex}.vc-stair-bar:hover{transform:translateY(-2px)}.vc-stair-apr{font:800 28px/1 var(--font-heading);font-feature-settings:"tnum" 1}.vc-stair-bar small{letter-spacing:.08em;opacity:.9;margin-top:4px;font-size:10px;font-weight:700}.vc-stair-meta{flex-direction:column;gap:4px;display:flex}.vc-stair-rating{text-transform:uppercase;letter-spacing:.04em;font-size:11px;font-weight:800}.vc-stair-desc{color:var(--ink-secondary);margin:0;font-size:11.5px;line-height:1.35}.vc-drain-calc-container{background:var(--surface-card);grid-template-columns:1fr 1fr;gap:28px;padding:28px;display:grid}.vc-calc-inputs-panel{flex-direction:column;gap:18px;display:flex}.vc-panel-heading{font:700 16px var(--font-heading);color:var(--ink-primary);margin:0 0 4px}.vc-slider-group{flex-direction:column;gap:6px;display:flex}.vc-slider-label-row{color:var(--ink-primary);justify-content:space-between;font-size:13px;display:flex}.vc-range-slider{width:100%;accent-color:var(--accent-primary);cursor:pointer}.vc-calc-results-panel{background:#fffbf6;border:1px solid #fed7aa;border-radius:8px;flex-direction:column;gap:14px;padding:22px;display:flex}.vc-result-pill{letter-spacing:.08em;color:#c2410c;background:#ffedd5;border-radius:3px;align-self:flex-start;padding:2px 6px;font-size:10px;font-weight:800}.vc-result-title{font:700 16px var(--font-heading);color:var(--ink-primary);margin:0}.vc-big-apr-box{text-align:center;background:#fff;border:1px solid #fed7aa;border-radius:6px;flex-direction:column;gap:2px;padding:14px;display:flex}.vc-apr-label{letter-spacing:.08em;color:var(--ink-muted);font-size:10.5px;font-weight:800}.vc-apr-stat{font:800 36px/1.1 var(--font-heading);font-feature-settings:"tnum" 1}.vc-apr-sub{color:var(--ink-muted);font-size:10.5px;font-family:var(--font-mono,monospace)}.vc-drain-metrics{flex-direction:column;gap:8px;display:flex}.vc-drain-metric-row{border-bottom:1px solid #ffedd5;justify-content:space-between;padding-bottom:6px;font-size:13px;display:flex}.vc-drain-metric-row.highlight{font-weight:700}.vc-drain-metric-row.total-drain{border-bottom:0;padding-top:4px;font-size:14px}.vc-drain-benchmark-note{color:var(--ink-secondary);background:#fff;border-left:3px solid #ea580c;border-radius:4px;padding:10px 12px;font-size:12px;line-height:1.45}.vc-traps-section{background:var(--surface-canvas-subtle);border-top:1px solid var(--border-subtle);padding:24px 28px 28px}.vc-traps-heading{font:700 16px var(--font-heading);color:var(--ink-primary);margin:0 0 16px}.vc-traps-grid{grid-template-columns:repeat(4,1fr);gap:16px;display:grid}.vc-trap-card{background:var(--surface-card);border:1px solid var(--border-subtle);border-radius:6px;padding:16px}.vc-trap-num{font:800 18px var(--font-heading);color:var(--accent-primary);margin-bottom:6px}.vc-trap-card h5{font:700 14px/1.25 var(--font-heading);color:var(--ink-primary);margin:0 0 6px}.vc-trap-card p{color:var(--ink-secondary);margin:0;font-size:12px;line-height:1.4}.vc-curve-container{background:var(--surface-card);padding:24px 28px}.vc-curve-svg{width:100%;height:auto;display:block}.vc-underwriting-detail-card{background:var(--surface-canvas-subtle);border:1px solid var(--border-subtle);border-radius:6px;flex-direction:column;gap:12px;margin:0 28px 24px;padding:20px 24px;display:flex}.vc-detail-header-row{justify-content:space-between;align-items:flex-start;gap:20px;display:flex}.vc-detail-tag{letter-spacing:.08em;text-transform:uppercase;margin-bottom:4px;font-size:11px;font-weight:800;display:block}.vc-detail-heading{font:700 18px var(--font-heading);color:var(--ink-primary);margin:0}.vc-detail-premium-box{text-align:right;flex:none}.vc-premium-amount{font:700 24px/1.1 var(--font-heading);font-feature-settings:"tnum" 1;display:block}.vc-premium-amount small{color:var(--ink-muted);font-size:13px}.vc-premium-monthly{color:var(--ink-secondary);font-size:11.5px}.vc-detail-verdict{color:var(--ink-secondary);margin:0;font-size:13px;line-height:1.45}.vc-detail-markets strong{text-transform:uppercase;letter-spacing:.05em;color:var(--ink-muted);margin-bottom:6px;font-size:11px;font-weight:800;display:block}.vc-market-pills{flex-wrap:wrap;gap:6px;display:flex}.vc-market-pill{background:var(--surface-card);border:1px solid var(--border-subtle);color:var(--ink-primary);border-radius:4px;padding:3px 8px;font-size:11.5px;font-weight:600}.vc-layers-section{border-top:1px solid var(--border-subtle);background:var(--surface-card);padding:24px 28px 28px}.vc-layers-heading{font:700 16px var(--font-heading);color:var(--ink-primary);margin:0 0 14px}.vc-layers-bar-visual{background:#e2e8f0;border-radius:4px;height:20px;margin-bottom:18px;display:flex;overflow:hidden}.vc-layer-segment{height:100%;transition:opacity .2s}.vc-layer-segment:hover{opacity:.85}.vc-layers-cards-grid{grid-template-columns:repeat(4,1fr);gap:16px;display:grid}.vc-layer-info-card{background:var(--surface-canvas-subtle);border:1px solid var(--border-subtle);border-radius:6px;flex-direction:column;gap:8px;padding:16px;display:flex}.vc-layer-info-top{align-items:center;gap:6px;display:flex}.vc-layer-dot{border-radius:50%;width:8px;height:8px}.vc-layer-pct{font-size:11px;font-weight:800}.vc-layer-cost{color:var(--ink-primary);font-feature-settings:"tnum" 1;margin-left:auto;font-size:12.5px}.vc-layer-name{font:700 13.5px/1.25 var(--font-heading);color:var(--ink-primary);margin:0}.vc-layer-mandate{color:var(--ink-secondary);margin:0;font-size:11px}.vc-layer-note{color:var(--ink-muted);margin:0;font-size:11.5px;line-height:1.35}@media (max-width:1024px){.vc-spread-container{grid-template-columns:1fr;gap:24px;padding:20px 16px}.vc-spread-center{order:-1;width:100%}.vc-spread-col{grid-template-columns:1fr 1fr;gap:12px;display:grid}.vc-spread-col.right .vc-callout-card{border-left-width:4px;border-right-width:1px}.vc-deepdive-grid{grid-template-columns:1fr;gap:12px}}@media (max-width:960px){.vc-metric-strip{grid-template-columns:1fr 1fr}.vc-hotspot-chips{grid-template-columns:repeat(3,1fr)}.vc-detail-body{grid-template-columns:1fr;gap:12px}.vc-models-grid{grid-template-columns:1fr}.vc-sankey-kpi-bar{flex-direction:column;align-items:stretch}.vc-kpi-arrow{align-self:center;transform:rotate(90deg)}.vc-escalator-stairs{grid-template-columns:1fr 1fr}.vc-drain-calc-container{grid-template-columns:1fr}.vc-traps-grid,.vc-layers-cards-grid{grid-template-columns:1fr 1fr}}@media (max-width:640px){.vc-spread-col{grid-template-columns:1fr}.vc-poster-header{padding:18px 16px}.vc-poster-title-bar{flex-direction:column;align-items:stretch}.vc-mode-switch{align-self:flex-start}.vc-metric-strip{grid-template-columns:1fr}.vc-schematic-wrapper{padding:16px}.vc-hotspot-chips{grid-template-columns:1fr 1fr}.vc-sankey-canvas-wrapper{padding:16px}.vc-sankey-inspector{margin:0 16px 16px}.vc-comparison-section,.vc-escalator-display{padding:16px}.vc-escalator-stairs{grid-template-columns:1fr}.vc-drain-calc-container,.vc-traps-section{padding:16px}.vc-traps-grid{grid-template-columns:1fr}.vc-curve-container{padding:16px}.vc-underwriting-detail-card{margin:0 16px 16px;padding:16px}.vc-detail-header-row{flex-direction:column;align-items:stretch}.vc-detail-premium-box{text-align:left}.vc-layers-section{padding:16px}.vc-layers-cards-grid{grid-template-columns:1fr}}@property --tw-rotate-x{syntax:"*";inherits:false}@property --tw-rotate-y{syntax:"*";inherits:false}@property --tw-rotate-z{syntax:"*";inherits:false}@property --tw-skew-x{syntax:"*";inherits:false}@property --tw-skew-y{syntax:"*";inherits:false}@property --tw-border-style{syntax:"*";inherits:false;initial-value:solid}@property --tw-font-weight{syntax:"*";inherits:false}@property --tw-shadow{syntax:"*";inherits:false;initial-value:0 0 #0000}@property --tw-shadow-color{syntax:"*";inherits:false}@property --tw-shadow-alpha{syntax:"<percentage>";inherits:false;initial-value:100%}@property --tw-inset-shadow{syntax:"*";inherits:false;initial-value:0 0 #0000}@property --tw-inset-shadow-color{syntax:"*";inherits:false}@property --tw-inset-shadow-alpha{syntax:"<percentage>";inherits:false;initial-value:100%}@property --tw-ring-color{syntax:"*";inherits:false}@property --tw-ring-shadow{syntax:"*";inherits:false;initial-value:0 0 #0000}@property --tw-inset-ring-color{syntax:"*";inherits:false}@property --tw-inset-ring-shadow{syntax:"*";inherits:false;initial-value:0 0 #0000}@property --tw-ring-inset{syntax:"*";inherits:false}@property --tw-ring-offset-width{syntax:"<length>";inherits:false;initial-value:0}@property --tw-ring-offset-color{syntax:"*";inherits:false;initial-value:#fff}@property --tw-ring-offset-shadow{syntax:"*";inherits:false;initial-value:0 0 #0000}@property --tw-blur{syntax:"*";inherits:false}@property --tw-brightness{syntax:"*";inherits:false}@property --tw-contrast{syntax:"*";inherits:false}@property --tw-grayscale{syntax:"*";inherits:false}@property --tw-hue-rotate{syntax:"*";inherits:false}@property --tw-invert{syntax:"*";inherits:false}@property --tw-opacity{syntax:"*";inherits:false}@property --tw-saturate{syntax:"*";inherits:false}@property --tw-sepia{syntax:"*";inherits:false}@property --tw-drop-shadow{syntax:"*";inherits:false}@property --tw-drop-shadow-color{syntax:"*";inherits:false}@property --tw-drop-shadow-alpha{syntax:"<percentage>";inherits:false;initial-value:100%}@property --tw-drop-shadow-size{syntax:"*";inherits:false}@property --tw-duration{syntax:"*";inherits:false}