:root{--bg:#f7faf8;--card:#fff;--ink:#14201b;--muted:#4a5a52;--accent:#1a7a50;--accent-ink:#12603d;--cta-warm:#c9a227;--line:#e2eae6;--focus:#0b4d31;--radius:14px;--shadow:0 8px 30px rgba(18,96,61,.08)}:root[data-theme=dark]{--bg:#0e1512;--card:#16211c;--ink:#eaf2ee;--muted:#a7b7af;--accent:#3fae77;--accent-ink:#7fd3a6;--cta-warm:#d8b64a;--line:#26332c;--focus:#7fd3a6;--shadow:0 8px 30px rgba(0,0,0,.4)}*{box-sizing:border-box}body,html{padding:0;margin:0}body{background:var(--bg);color:var(--ink);font:16px/1.6 -apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Helvetica,Arial,sans-serif;-webkit-font-smoothing:antialiased}a{color:var(--accent-ink)}h1,h2,h3{font-family:Georgia,Times New Roman,serif;letter-spacing:-.01em}.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:var(--card);padding:8px 12px;border-radius:8px;z-index:20}:focus-visible{outline:3px solid var(--focus);outline-offset:2px}.wrap{max-width:860px;margin:0 auto;padding:0 18px}.brandbar{height:4px;background:linear-gradient(90deg,var(--accent) 0 70%,var(--cta-warm) 70% 100%)}.site-header{border-bottom:1px solid var(--line);background:var(--card)}.site-header .row{display:flex;align-items:center;justify-content:space-between;padding:14px 0}.brand{font-weight:800;font-size:1.15rem;color:var(--accent-ink);text-decoration:none}.nav{display:flex;gap:18px;align-items:center}.nav a{color:var(--muted);text-decoration:none;font-weight:600;font-size:.95rem}.nav a:hover{color:var(--accent-ink)}.theme-toggle{background:transparent;border:1px solid var(--line);border-radius:8px;padding:6px 10px;cursor:pointer;color:var(--muted)}.hero{padding:48px 0 8px}.hero h1{font-size:2.1rem;margin:0 0 10px}.hero p.lede{color:var(--muted);font-size:1.1rem;margin:0 0 22px;max-width:640px}.composer{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:12px}.composer textarea{width:100%;border:0;resize:vertical;min-height:64px;background:transparent;color:var(--ink);font:inherit;padding:8px;outline:none}.composer .actions{display:flex;justify-content:space-between;align-items:center;gap:10px;margin-top:6px}.chips{display:flex;flex-wrap:wrap;gap:8px;margin:16px 0 4px}.chip{background:var(--card);border:1px solid var(--line);color:var(--accent-ink);border-radius:999px;padding:7px 14px;font-size:.9rem;cursor:pointer}.chip:hover{border-color:var(--accent)}.btn{-webkit-appearance:none;-moz-appearance:none;appearance:none;border:0;cursor:pointer;border-radius:10px;font-weight:700;padding:10px 18px;font-size:1rem}.btn-primary{background:var(--accent);color:#fff}.btn-primary:disabled{background:#9dbbad;cursor:not-allowed}.btn-ghost{background:transparent;color:var(--accent-ink);border:1px solid var(--line)}.conversation{margin:20px 0;display:flex;flex-direction:column;gap:14px}.msg{padding:14px 16px;border-radius:12px;max-width:100%;white-space:pre-wrap}.msg.user{background:#e9f2ed;align-self:flex-end}:root[data-theme=dark] .msg.user{background:#1f2f27}.msg.assistant{background:var(--card);border:1px solid var(--line);align-self:flex-start}.msg .role{font-size:.72rem;text-transform:uppercase;letter-spacing:.04em;color:var(--muted);margin-bottom:4px}.thinking{display:inline-flex;align-items:center;gap:10px;color:var(--muted);font-size:.9rem}.sweep{position:relative;width:22px;height:22px}.sweep span{position:absolute;inset:0;border-radius:50%;border:2px solid var(--accent);opacity:0;animation:sweep 1.6s ease-out infinite}.sweep span:nth-child(2){animation-delay:.5s}.sweep span:nth-child(3){animation-delay:1s}@keyframes sweep{0%{transform:scale(.2);opacity:.9}to{transform:scale(1);opacity:0}}@media (prefers-reduced-motion:reduce){.sweep span{animation-duration:.001ms;opacity:.5}}.ai-notice{color:var(--muted);font-size:.8rem;margin-top:10px}.limit{margin:16px 0;background:#fbf1da;border:1px solid #eadfbf;color:#6b5310;border-radius:12px;padding:14px 16px}:root[data-theme=dark] .limit{background:#2a2413;border-color:#4a4020;color:#e0c877}.prose{padding:32px 0 64px}.prose h1{font-size:1.8rem}.prose h2{font-size:1.2rem;margin-top:1.6em}.prose li,.prose p{color:var(--ink)}.disclaimer-box{margin-top:24px;background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:16px 18px}.disclaimer-box,footer.site{color:var(--muted);font-size:.85rem}footer.site{border-top:1px solid var(--line);padding:22px 0}footer.site .row{display:flex;flex-wrap:wrap;gap:16px;justify-content:space-between}footer.site a{color:var(--muted);text-decoration:none;margin-right:14px}.a11y-skip-links{position:absolute;top:0;left:0;z-index:200}.a11y-skip-link{position:absolute;left:-9999px;top:0;display:inline-block;padding:.75rem 1.25rem;background:var(--card);color:var(--ink);border:2px solid var(--focus);border-radius:0 0 var(--radius) 0;font-weight:600;text-decoration:none;white-space:nowrap}.a11y-skip-link:focus,.a11y-skip-link:focus-visible{left:0;outline:3px solid var(--focus);outline-offset:2px}html[class*=a11y-text-] body{font-size:calc(1rem * var(--a11y-text-scale, 1))}html.a11y-text-110{--a11y-text-scale:1.10}html.a11y-text-125{--a11y-text-scale:1.25}html.a11y-text-150{--a11y-text-scale:1.50}html.a11y-text-175{--a11y-text-scale:1.75}html.a11y-text-200{--a11y-text-scale:2.00}html.a11y-line-120 a,html.a11y-line-120 body,html.a11y-line-120 li,html.a11y-line-120 p,html.a11y-line-120 span{line-height:1.75!important}html.a11y-line-140 a,html.a11y-line-140 body,html.a11y-line-140 li,html.a11y-line-140 p,html.a11y-line-140 span{line-height:2.05!important}html.a11y-contrast-high{--bg:#000;--card:#000;--ink:#fff;--muted:#fff;--line:#fff;--accent:#ff0;--accent-ink:#ff0;--cta-warm:#ff0;--cta-warm-ink:#ff0;--focus:#ff0;--shadow:none}html.a11y-contrast-high body{background:#000!important;color:#fff!important}html.a11y-contrast-high a{color:#ff0!important;text-decoration:underline!important}html.a11y-contrast-high [role=button],html.a11y-contrast-high button,html.a11y-contrast-high input,html.a11y-contrast-high select,html.a11y-contrast-high textarea{background:#000!important;color:#fff!important;border:2px solid #fff!important}html.a11y-contrast-high .a11y-reading-guide{border-color:#ff0}html.a11y-underline-links a{text-decoration:underline!important}html.a11y-highlight-links a{background:var(--cta-warm)!important;color:#14201b!important;box-shadow:0 0 0 2px var(--cta-warm);border-radius:3px}html.a11y-dyslexia :where(h1,h2,h3,h4,h5,h6,p,li,a,span,button,label,input,textarea),html.a11y-dyslexia body{font-family:Atkinson Hyperlegible,OpenDyslexic,system-ui,sans-serif!important;letter-spacing:.01em}.a11y-reading-guide{position:fixed;left:0;right:0;height:2.25rem;z-index:150;pointer-events:none;border-top:3px solid var(--focus);border-bottom:3px solid var(--focus);background:rgba(127,211,166,.12)}html[data-theme=light] .a11y-reading-guide{background:rgba(11,77,49,.1)}html.a11y-big-cursor,html.a11y-big-cursor *{cursor:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='48' height='48' viewBox='0 0 48 48'><path d='M6 2l30 18-13 3-4 15z' fill='white' stroke='black' stroke-width='2.5' stroke-linejoin='round'/></svg>") 4 2,auto!important}html.a11y-focus-strong :where(a,button,input,textarea,select,summary,[tabindex]):focus,html.a11y-focus-strong :where(a,button,input,textarea,select,summary,[tabindex]):focus-visible{outline:4px solid var(--focus)!important;outline-offset:3px!important;border-radius:4px}html.a11y-reduce-motion *,html.a11y-reduce-motion :after,html.a11y-reduce-motion :before{animation-duration:.001ms!important;animation-iteration-count:1!important;transition-duration:.001ms!important;scroll-behavior:auto!important}html.a11y-pause-media *,html.a11y-pause-media :after,html.a11y-pause-media :before{animation-play-state:paused!important}.a11y-launcher{position:fixed;right:1.25rem;bottom:1.25rem;z-index:160;width:3.25rem;height:3.25rem;display:inline-flex;align-items:center;justify-content:center;border-radius:999px;border:1px solid var(--line);background:var(--accent);color:var(--bg);box-shadow:var(--shadow);cursor:pointer}.a11y-launcher:focus-visible{outline:3px solid var(--focus);outline-offset:3px}@media (max-width:640px){.a11y-launcher{right:50%;transform:translateX(50%);bottom:1rem}}.a11y-overlay{position:fixed;inset:0;z-index:170;background:rgba(0,0,0,.45)}.a11y-panel{position:fixed;z-index:180;top:0;right:0;height:100dvh;width:min(24rem,100vw);overflow-y:auto;background:var(--card);color:var(--ink);border-left:1px solid var(--line);box-shadow:var(--shadow);padding:1.25rem}@media (max-width:640px){.a11y-panel{width:100vw}}.a11y-panel h2{font-size:1.15rem;margin:0}.a11y-panel h3{font-size:.72rem;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin:1.25rem 0 .5rem}.a11y-row{display:flex;align-items:center;justify-content:space-between;gap:.75rem;padding:.7rem 0;border-top:1px solid var(--line);min-height:2.75rem}.a11y-row-label{font-size:.95rem}.a11y-row-hint{display:block;font-size:.8rem;color:var(--muted);margin-top:.15rem}.a11y-seg{display:flex;gap:.4rem;flex-wrap:wrap}.a11y-btn{min-width:2.75rem;min-height:2.75rem;padding:.4rem .75rem;border-radius:10px;border:1px solid var(--line);background:transparent;color:var(--ink);font:inherit;cursor:pointer}.a11y-btn[aria-pressed=true]{border-color:var(--accent);color:var(--accent-ink);font-weight:600}.a11y-btn:focus-visible,.a11y-close:focus-visible,.a11y-switch:focus-visible{outline:3px solid var(--focus);outline-offset:2px}.a11y-switch{flex:0 0 auto;width:3rem;height:1.75rem;border-radius:999px;border:1px solid var(--line);background:var(--bg);position:relative;cursor:pointer}.a11y-switch:after{content:"";position:absolute;top:2px;left:2px;width:1.35rem;height:1.35rem;border-radius:999px;background:var(--muted);transition:transform .15s ease,background .15s ease}.a11y-switch[aria-checked=true]{background:var(--accent);border-color:var(--accent)}.a11y-switch[aria-checked=true]:after{transform:translateX(1.2rem);background:var(--bg)}.a11y-close{min-width:2.75rem;min-height:2.75rem;border-radius:999px;border:1px solid var(--line);background:transparent;color:var(--ink);font-size:1.1rem;cursor:pointer}.a11y-foot{display:flex;align-items:center;justify-content:space-between;gap:.75rem;margin-top:1.25rem;padding-top:1rem;border-top:1px solid var(--line)}.a11y-note{font-size:.8rem;color:var(--muted);margin-top:.75rem;line-height:1.5}.a11y-sr{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}html[data-theme=dark] .badge,html[data-theme=dark] .chip.primary,html[data-theme=dark] .pill-accent{color:#0e1512!important}html[data-theme=light]{--cta-warm-ink:#8a6d10}html[data-theme=dark],html[data-theme=light] .band-dark,html[data-theme=light] .inverted,html[data-theme=light] .lenders{--cta-warm-ink:#d8b64a}html[data-theme=light] .kicker{color:var(--cta-warm-ink)!important}html[data-theme=light]{--on-accent:#fff}html[data-theme=dark]{--on-accent:#0e1512}html.a11y-contrast-high{--on-accent:#000}