:root{--navy:#13294B;--green:#2E7D5B;--green-soft:#E6F2EC;--paper:#FAFBFC;--rule:#D5DBE3;--ink:#1D2633;--muted:#566275;--red:#B3261E;--amber:#FFF4D6}
*{box-sizing:border-box;margin:0}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{background:var(--paper);color:var(--ink);font:400 1.03rem/1.65 "Public Sans",system-ui,sans-serif}
a{color:var(--green)}
a:focus-visible,input:focus-visible,select:focus-visible{outline:3px solid var(--green);outline-offset:2px}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
h1,h2,h3{font-family:"Source Serif 4",Georgia,serif;font-weight:700;color:var(--navy)}
h1{font-size:clamp(2.2rem,5vw,3.5rem);line-height:1.08;max-width:17ch}
h2{font-size:clamp(1.6rem,3vw,2.2rem);line-height:1.15;margin-bottom:.5em}
h3{font-size:1.25rem;font-weight:600;margin-bottom:.35em}
p{max-width:66ch}
p+p{margin-top:.9em}

header.top{display:flex;justify-content:space-between;align-items:center;padding:20px 0;border-bottom:1px solid var(--rule)}
.logo{font:700 1.2rem "Source Serif 4",serif;color:var(--navy);text-decoration:none}
.logo img{display:block;height:40px;width:auto}
header nav a{color:var(--ink);text-decoration:none;margin-left:22px;font-size:.95rem;font-weight:500}
header nav a:hover{color:var(--green)}
@media (max-width:700px){header nav{display:none}}

.hero{display:grid;grid-template-columns:1fr 420px;gap:56px;padding:56px 0 72px;align-items:start}
@media (max-width:900px){.hero{grid-template-columns:1fr;gap:36px}}
.hero p.lede{font-size:1.15rem;color:var(--muted);margin-top:20px}

/* signature: cash-out cost calculator */
.calc{background:#fff;border:1px solid var(--rule);border-top:5px solid var(--navy);padding:26px;border-radius:4px}
.calc h2{font-size:1.35rem;margin-bottom:4px}
.calc .sub{font-size:.9rem;color:var(--muted);margin-bottom:18px}
.calc label{display:block;font-size:.88rem;font-weight:600;margin:14px 0 6px}
.calc input[type=number],.calc select{width:100%;font:500 1rem "Public Sans",sans-serif;padding:10px 12px;border:1px solid var(--rule);border-radius:4px;background:#fff;color:var(--ink)}
.calc .check{display:flex;gap:10px;align-items:center;font-weight:500;margin-top:16px;font-size:.95rem}
.calc .check input{width:18px;height:18px}
.ledger{margin-top:22px;border-top:2px solid var(--navy)}
.ledger div{display:flex;justify-content:space-between;padding:9px 0;border-bottom:1px solid var(--rule);font-variant-numeric:tabular-nums}
.ledger .cost{color:var(--red)}
.ledger .keep{font-weight:700;font-size:1.15rem;color:var(--green);border-bottom:0}
.calc .fine{font-size:.78rem;color:var(--muted);margin-top:10px}

section{padding:72px 0;border-top:1px solid var(--rule)}
.intro{color:var(--muted);margin-bottom:32px}
.options{display:grid;grid-template-columns:1fr 1fr;border-top:2px solid var(--navy)}
@media (max-width:760px){.options{grid-template-columns:1fr}}
.opt{padding:24px 24px 24px 0;border-bottom:1px solid var(--rule)}
.opt:nth-child(odd){border-right:1px solid var(--rule)}
.opt:nth-child(even){padding-left:24px}
@media (max-width:760px){.opt:nth-child(odd){border-right:0}.opt:nth-child(even){padding-left:0}}
.opt .tag{display:inline-block;font-size:.8rem;font-weight:600;padding:2px 8px;border-radius:3px;margin-bottom:10px}
.tag.good{background:var(--green-soft);color:var(--green)}
.tag.ok{background:#EEF1F5;color:var(--muted)}
.tag.bad{background:#FBE9E7;color:var(--red)}
.opt p{font-size:.98rem}

table.limits{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--rule);font-variant-numeric:tabular-nums}
.limits th,.limits td{text-align:left;padding:14px 16px;border-bottom:1px solid var(--rule)}
.limits thead th{background:var(--navy);color:#fff;font-weight:600;font-size:.9rem}
.limits td:last-child{font-weight:700;color:var(--navy);text-align:right}
.limits thead th:last-child{text-align:right}

.providers{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
@media (max-width:860px){.providers{grid-template-columns:1fr}}
.prov{background:#fff;border:1px solid var(--rule);padding:24px;border-radius:4px;display:flex;flex-direction:column}
.prov .kind{font-size:.85rem;color:var(--muted);margin-bottom:10px}
.prov p{font-size:.97rem;flex:1}
.btn{display:inline-block;align-self:flex-start;margin-top:18px;background:var(--green);color:#fff;text-decoration:none;font-weight:600;font-size:.93rem;padding:10px 16px;border-radius:4px}
.btn:hover{background:#246548}

.warn{background:var(--amber);padding:22px 26px;border-radius:4px;margin-top:32px}

footer{background:var(--navy);color:#C5CFDD;padding:48px 0;font-size:.88rem}
footer p{max-width:85ch}
footer p+p{margin-top:12px}
footer strong{color:#fff}
.aff{font-size:.78rem;opacity:.7;margin-top:10px}

:root{--a-acc:var(--green);--a-muted:var(--muted);--a-rule:var(--rule);--a-soft:var(--green-soft);--a-card:#fff}
.post{max-width:740px;padding-block:36px 72px}
.crumbs{font-size:.85rem;color:var(--a-muted)}
.crumbs a{color:var(--a-muted)}
.post h1{font-size:clamp(2rem,4.4vw,2.8rem);line-height:1.1;margin:12px 0 12px;max-width:none;text-wrap:balance}
.post .meta{color:var(--a-muted);font-size:.9rem;margin-bottom:28px}
.post h2{font-size:clamp(1.35rem,2.4vw,1.6rem);margin:38px 0 10px;text-wrap:balance}
.post p,.post li{max-width:68ch}
.post p+p{margin-top:1em}
.post ul{padding-left:1.2em;margin:12px 0}
.post li{margin:6px 0}
.post .callout{background:var(--a-soft);border-left:3px solid var(--a-acc);padding:18px 20px;margin:28px 0;border-radius:4px;max-width:68ch}
.post .tablewrap{overflow-x:auto;margin:20px 0}
.post table{width:100%;border-collapse:collapse;background:var(--a-card);border:1px solid var(--a-rule);font-variant-numeric:tabular-nums}
.post th,.post td{padding:12px 14px;border-bottom:1px solid var(--a-rule);text-align:left;vertical-align:top}
.post thead th{font-size:.85rem;color:var(--a-muted)}
.post .small{font-size:.85rem;color:var(--a-muted);margin-top:28px}
.post .back{display:inline-block;margin-top:8px;font-weight:600}
.related{border-top:1px solid var(--a-rule);margin-top:52px;padding-top:24px}
.related h2{margin-top:0}
.guide-list{list-style:none;padding:0;margin:0;border-top:1px solid var(--a-rule)}
.guide-list li{border-bottom:1px solid var(--a-rule);padding:20px 0;margin:0}
.guide-list a.t{font-size:1.25rem;font-weight:700;text-decoration:none;color:inherit;line-height:1.25}
.guide-list a.t:hover{color:var(--a-acc)}
.guide-list p{color:var(--a-muted);margin-top:6px}
.guide-list .m{font-size:.82rem;color:var(--a-muted);margin-top:6px}
.guides-home .guide-list{margin-top:20px}
.guides-home .more{display:inline-block;margin-top:18px;font-weight:600}
.post table{min-width:0}