:root {
  --bg: #fbfbf8; --surface: #ffffff; --ink: #14201b; --muted: #5b6862; --line: #e2e6e1;
  --accent: #0f6b4f; --accent-ink: #ffffff; --accent-soft: #e5f2ec; --pos: #0f6b4f; --neg: #a23b2a;
  --warn-bg: #fff4dc; --warn-ink: #6b4a00; --promo: #7a3fb0; --promo-soft: #f1e8fa;
  --radius: 10px; --mono: ui-monospace, SFMono-Regular, Menlo, Consolas, monospace;
  --sans: system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  color-scheme: light;
}
@media (prefers-color-scheme: dark) {
  :root {
    --bg: #0f1412; --surface: #161d1a; --ink: #e8eee9; --muted: #9aa8a1; --line: #2a3430;
    --accent: #5cc79e; --accent-ink: #08130e; --accent-soft: #1b2e26; --pos: #5cc79e; --neg: #f08a76;
    --warn-bg: #3a2f12; --warn-ink: #f3d793; --promo: #c79bf0; --promo-soft: #2b2137;
    color-scheme: dark;
  }
}
* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body { margin: 0; background: var(--bg); color: var(--ink); font: 16px/1.6 var(--sans); }
a { color: var(--accent); text-underline-offset: 2px; }
.wrap { max-width: 1040px; margin: 0 auto; padding: 0 16px; }
.skip { position: absolute; left: -999px; }
.skip:focus { left: 16px; top: 8px; background: var(--surface); padding: 6px 10px; z-index: 10; }

header.site { border-bottom: 1px solid var(--line); background: var(--surface); }
.bar { display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: 60px; flex-wrap: wrap; }
.brand { display: inline-flex; align-items: center; gap: 8px; font-weight: 700; font-size: 1.1rem; color: var(--ink); text-decoration: none; letter-spacing: -0.01em; }
.mark { display: inline-grid; place-items: center; width: 28px; height: 28px; border-radius: 7px; background: var(--accent); color: var(--accent-ink); font-weight: 800; font-size: 0.95rem; }
header.site nav { display: flex; gap: 18px; flex-wrap: wrap; }
header.site nav a { color: var(--muted); text-decoration: none; font-size: 0.95rem; }
header.site nav a:hover, header.site nav a[aria-current] { color: var(--ink); }

main { padding: 24px 16px 48px; }
h1 { font-size: clamp(1.6rem, 4vw, 2.3rem); line-height: 1.2; letter-spacing: -0.02em; margin: 8px 0 12px; }
h1 .when { color: var(--muted); font-weight: 500; }
h2 { font-size: 1.3rem; margin: 36px 0 12px; letter-spacing: -0.01em; }
h3 { font-size: 1.05rem; margin: 20px 0 6px; }
.lede { font-size: 1.12rem; max-width: 760px; }
.meta, .fine { color: var(--muted); font-size: 0.88rem; }
.fine.block { display: block; }
.crumbs { font-size: 0.88rem; color: var(--muted); }
.crumbs a { color: var(--muted); }
.alert { background: var(--warn-bg); color: var(--warn-ink); padding: 10px 14px; border-radius: var(--radius); }
.note { background: var(--accent-soft); padding: 10px 14px; border-radius: var(--radius); }
.callout { background: var(--promo-soft); border-radius: var(--radius); padding: 4px 18px 14px; margin-top: 28px; }
.callout h2 { margin-top: 16px; }

.facts { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 12px; margin: 20px 0 8px; }
.facts > div { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 14px 16px; display: grid; gap: 2px; }
.facts .k { color: var(--muted); font-size: 0.85rem; }
.facts .v { font-size: 1.6rem; font-weight: 700; font-variant-numeric: tabular-nums; letter-spacing: -0.02em; }
.facts .s { color: var(--muted); font-size: 0.82rem; }

.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius); background: var(--surface); }
table { border-collapse: collapse; width: 100%; font-variant-numeric: tabular-nums; }
caption { text-align: left; padding: 10px 14px; color: var(--muted); font-size: 0.88rem; }
th, td { text-align: left; padding: 9px 14px; border-top: 1px solid var(--line); vertical-align: top; }
thead th { border-top: 0; font-size: 0.8rem; color: var(--muted); font-weight: 600; text-transform: uppercase; letter-spacing: 0.03em; white-space: nowrap; }
tbody th { font-weight: 600; }
.num { text-align: right; white-space: nowrap; }
.apy { font-weight: 700; }
.pos { color: var(--pos); }
.neg { color: var(--neg); }
tr.current { background: var(--accent-soft); }
@media (max-width: 560px) { .hide-sm { display: none; } th, td { padding: 8px 10px; } }
.tag { display: inline-block; font-size: 0.72rem; font-weight: 600; padding: 1px 7px; border-radius: 999px; vertical-align: 1px; background: var(--accent-soft); color: var(--accent); }
.tag-promotional { background: var(--promo-soft); color: var(--promo); }
table.mini { margin-top: 12px; border: 1px solid var(--line); border-radius: var(--radius); }

.filters, form.zip { display: flex; flex-wrap: wrap; gap: 10px 16px; align-items: end; margin: 20px 0 4px; }
.filters label, form.zip label { display: grid; gap: 4px; font-size: 0.88rem; color: var(--muted); }
select, input, button { font: inherit; color: var(--ink); }
select, input { background: var(--surface); border: 1px solid var(--line); border-radius: 8px; padding: 8px 10px; min-height: 40px; }
button, .button { display: inline-block; background: var(--accent); color: var(--accent-ink); border: 0; border-radius: 8px; padding: 9px 16px; font-weight: 600; cursor: pointer; text-decoration: none; min-height: 40px; }
form.zip select { max-width: 100%; }

.curve { list-style: none; padding: 0; margin: 0; display: grid; gap: 6px; max-width: 640px; }
.curve li { display: grid; grid-template-columns: 70px 1fr 60px; gap: 10px; align-items: center; font-variant-numeric: tabular-nums; }
.curve .bar { height: 12px; border-radius: 6px; background: linear-gradient(90deg, var(--accent) var(--w), var(--line) var(--w)); }
.curve .v { text-align: right; font-weight: 600; }
.curve .t { color: var(--muted); font-size: 0.9rem; }

ul.compare, ul.changes { padding-left: 20px; }
ul.changes time { color: var(--muted); margin-right: 6px; }
dl.about { display: grid; grid-template-columns: max-content 1fr; gap: 6px 18px; }
dl.about dt { color: var(--muted); }
dl.about dd { margin: 0; }
ul.links, ul.inst-list { columns: 2 260px; padding-left: 20px; }
ul.cards { list-style: none; padding: 0; display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 12px; }
ul.cards a { display: grid; gap: 4px; height: 100%; background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 14px 16px; text-decoration: none; color: var(--ink); }
ul.cards a:hover { border-color: var(--accent); }
ul.cards span { color: var(--muted); font-size: 0.88rem; }

.calc-grid { display: grid; grid-template-columns: minmax(0, 340px) minmax(0, 1fr); gap: 20px; align-items: start; margin-top: 16px; }
@media (max-width: 760px) { .calc-grid { grid-template-columns: 1fr; } }
.calc-form { display: grid; gap: 12px; background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 16px; }
.calc-form label { display: grid; gap: 4px; font-size: 0.9rem; color: var(--muted); }
.calc-form input, .calc-form select { width: 100%; }
.input { position: relative; display: block; }
.input.pre input { padding-left: 24px; }
.input.post input { padding-right: 30px; }
.input.pre::before, .input.post::after { content: attr(data-unit); position: absolute; top: 50%; transform: translateY(-50%); color: var(--muted); pointer-events: none; }
.input.pre::before { left: 10px; }
.input.post::after { right: 10px; }
.result { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 16px 20px; min-height: 160px; }
.result .big { font-size: 2.2rem; font-weight: 800; margin: 0 0 8px; letter-spacing: -0.02em; font-variant-numeric: tabular-nums; }
.result .big small { font-size: 1rem; color: var(--muted); font-weight: 500; }
.today ol { padding-left: 22px; }
.today .apy { margin-left: 6px; }
code { font-family: var(--mono); font-size: 0.92em; background: var(--accent-soft); padding: 1px 5px; border-radius: 5px; }
.prose { max-width: 760px; }
.disclaimer { margin-top: 32px; }

footer.site { border-top: 1px solid var(--line); background: var(--surface); padding: 24px 0 40px; font-size: 0.92rem; }
footer.site nav { display: flex; flex-wrap: wrap; gap: 8px 18px; margin-top: 12px; }
footer.site nav a { color: var(--muted); }