:root {
  --paper: #efe4d0;
  --paper-2: #e7d8bc;
  --ink: #1e2a22;
  --ink-soft: #3a4740;
  --muted: #6e6658;
  --faint: #9a907e;
  --rule: #cfc1a6;
  --accent: #2f5d45;
  --accent-ink: #e8f0ea;
  --shadow: 0 18px 40px -24px rgba(36, 28, 16, 0.35);
  --font-display: "Fraunces", "Iowan Old Style", Georgia, serif;
  --font-ui: "Outfit", "Avenir Next", sans-serif;
  --measure: 68ch;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  min-height: 100dvh;
  color: var(--ink);
  background:
    radial-gradient(1200px 700px at 0% -10%, #f6ecda 0%, transparent 55%),
    radial-gradient(900px 500px at 100% 0%, #e3d3b3 0%, transparent 50%),
    var(--paper);
  font-family: var(--font-ui);
  font-size: 1.05rem;
  line-height: 1.55;
}

body::before {
  content: "";
  position: fixed;
  inset: 0;
  pointer-events: none;
  z-index: 8;
  opacity: 0.045;
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 200 200' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
  background-size: 220px 220px;
  mix-blend-mode: multiply;
}

a {
  color: var(--accent);
  text-underline-offset: 0.18em;
}

a:hover { color: var(--ink); }

:focus-visible {
  outline: 2px solid var(--accent);
  outline-offset: 3px;
}

.site-bar {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 1rem;
  padding: 1.1rem 6vw 0.8rem;
  border-bottom: 1px solid var(--rule);
}

.mark {
  font-family: var(--font-display);
  font-size: 1.15rem;
  font-weight: 560;
  letter-spacing: -0.02em;
  color: var(--ink);
  text-decoration: none;
}

.mark span {
  color: var(--muted);
  font-family: var(--font-ui);
  font-size: 0.72rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  margin-left: 0.65rem;
}

.site-bar nav {
  display: flex;
  gap: 1.25rem;
  font-size: 0.88rem;
}

.site-bar nav a { color: var(--ink-soft); text-decoration: none; }
.site-bar nav a:hover,
.site-bar nav a[aria-current="page"] { color: var(--ink); }

.page {
  display: grid;
  grid-template-columns: minmax(11rem, 16rem) minmax(0, 46rem);
  gap: 3rem;
  width: min(1180px, 92vw);
  margin: 0 auto;
  padding: 2.5rem 0 6rem;
}

.toc {
  position: sticky;
  top: 1.25rem;
  align-self: start;
  padding-top: 0.4rem;
}

.toc p {
  margin: 0 0 0.7rem;
  font-size: 0.68rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--muted);
}

.toc ol {
  margin: 0;
  padding: 0;
  list-style: none;
  border-left: 1px solid var(--rule);
}

.toc a {
  display: block;
  padding: 0.28rem 0 0.28rem 0.9rem;
  color: var(--ink-soft);
  text-decoration: none;
  font-size: 0.92rem;
}

.toc a:hover { color: var(--ink); }

.kicker {
  margin: 0 0 0.55rem;
  font-size: 0.72rem;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--accent);
}

h1, h2, h3 {
  font-family: var(--font-display);
  font-weight: 560;
  letter-spacing: -0.03em;
  line-height: 1.08;
}

h1 {
  margin: 0 0 0.85rem;
  font-size: clamp(2.4rem, 6vw, 4.4rem);
  max-width: 14ch;
}

h2 {
  margin: 2.6rem 0 0.55rem;
  font-size: clamp(1.45rem, 2.8vw, 1.9rem);
}

h3 {
  margin: 1.6rem 0 0.4rem;
  font-size: 1.2rem;
}

.lede {
  max-width: 38ch;
  font-size: 1.22rem;
  color: var(--ink-soft);
}

.note {
  max-width: var(--measure);
  color: var(--ink-soft);
}

.note.tight { max-width: 52ch; }

.river {
  position: relative;
  margin: 1.8rem 0 0.4rem;
  display: grid;
  gap: 0;
}

.step {
  position: relative;
  display: grid;
  grid-template-columns: 3.1rem 1fr;
  gap: 0.85rem 1rem;
  padding: 0.85rem 0 0.85rem 0.2rem;
}

.step + .step { border-top: 1px dashed var(--rule); }

.num {
  font-family: var(--font-display);
  font-size: 1.7rem;
  line-height: 1;
  color: var(--accent);
}

.step h3 { margin: 0; }
.step p { margin: 0.25rem 0 0; color: var(--ink-soft); max-width: 46ch; }

.where {
  margin-top: 0.35rem;
  font-size: 0.78rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--muted);
}

.accounts {
  display: grid;
  gap: 0;
  margin: 1.1rem 0 0.3rem;
  border-top: 1px solid var(--ink);
}

.account {
  display: grid;
  grid-template-columns: 8.5rem 1fr;
  gap: 0.6rem 1.1rem;
  padding: 0.75rem 0;
  border-bottom: 1px solid var(--rule);
  align-items: baseline;
}

.account dt {
  font-family: var(--font-display);
  font-size: 1.2rem;
  margin: 0;
}

.account dd { margin: 0; color: var(--ink-soft); }

.compare {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
  margin: 1.2rem 0;
  border-top: 1px solid var(--ink);
  border-bottom: 1px solid var(--ink);
}

.compare > div { padding: 1.1rem 1.2rem 1.2rem 0; }
.compare > div + div { border-left: 1px solid var(--rule); padding-left: 1.2rem; }
.compare h3 { margin-top: 0; }
.compare p { margin: 0.35rem 0 0; color: var(--ink-soft); }

.viz {
  display: grid;
  grid-template-columns: 1.4fr 0.8fr;
  gap: 1.5rem;
  align-items: end;
  margin: 1.3rem 0 0.2rem;
}

.dots, .one {
  min-height: 8.5rem;
  border: 1px solid var(--rule);
  background: color-mix(in srgb, var(--paper-2) 70%, white);
}

.dots {
  display: grid;
  grid-template-columns: repeat(10, 1fr);
  gap: 0.35rem;
  padding: 0.85rem;
}

.dots i {
  display: block;
  aspect-ratio: 1;
  background: var(--accent);
  opacity: 0.78;
}

.dots i:nth-child(3n) { opacity: 0.45; }
.dots i:nth-child(5n) { opacity: 0.22; }

.one {
  display: grid;
  place-items: center;
}

.one span {
  width: 42%;
  aspect-ratio: 1;
  background: var(--ink);
}

.viz figcaption {
  grid-column: 1 / -1;
  display: grid;
  grid-template-columns: 1.4fr 0.8fr;
  gap: 1.5rem;
  font-size: 0.88rem;
  color: var(--muted);
}

.auto {
  display: grid;
  grid-template-columns: auto 1fr auto 1fr auto 1fr;
  gap: 0.55rem 0.7rem;
  align-items: center;
  margin: 1.2rem 0;
  font-size: 0.95rem;
}

.auto b {
  display: grid;
  place-items: center;
  width: 2rem;
  height: 2rem;
  border: 1px solid var(--ink);
  font-family: var(--font-display);
}

.auto span { color: var(--ink-soft); }
.auto i { color: var(--faint); font-style: normal; }

.fi {
  margin: 1.1rem 0 0.4rem;
  padding: 0.9rem 0;
  border-top: 1px solid var(--ink);
}

.fi strong {
  font-family: var(--font-display);
  font-size: clamp(1.45rem, 3vw, 2rem);
  font-weight: 560;
  letter-spacing: -0.03em;
  display: block;
}

.links {
  display: grid;
  gap: 0.45rem;
  margin: 0.8rem 0 0;
  padding: 0;
  list-style: none;
}

.links a { text-decoration: none; border-bottom: 1px solid var(--rule); }
.links a:hover { border-bottom-color: var(--accent); }

.appendix {
  margin-top: 4rem;
  padding-top: 1.6rem;
  border-top: 1px solid var(--ink);
}

.rates {
  display: grid;
  gap: 0;
  margin: 1.2rem 0 0.4rem;
  border-top: 1px solid var(--ink);
}

.rates > div {
  display: grid;
  grid-template-columns: minmax(8rem, 11rem) 1fr;
  gap: 0.8rem 1.2rem;
  padding: 0.85rem 0;
  border-bottom: 1px solid var(--rule);
}

.rates dt {
  font-family: var(--font-display);
  font-size: 1.15rem;
  margin: 0;
}

.rates dd {
  margin: 0;
  color: var(--ink-soft);
}

.rates .on {
  background: color-mix(in srgb, var(--accent) 8%, transparent);
  margin: 0 -0.7rem;
  padding-left: 0.7rem;
  padding-right: 0.7rem;
}

@media (max-width: 860px) {
  .rates > div { grid-template-columns: 1fr; gap: 0.2rem; }
}

.flow {
  margin: 1.6rem 0 0.3rem;
}

.flow-frame {
  max-height: min(78dvh, 940px);
  overflow: auto;
  border: 1px solid var(--ink);
  background: #f4efe4;
}

.flow-frame img {
  display: block;
  width: 100%;
  height: auto;
}

.flow figcaption {
  margin-top: 0.55rem;
  font-size: 0.86rem;
  color: var(--muted);
  max-width: 62ch;
}

.foot {
  margin-top: 3.5rem;
  padding-top: 1rem;
  border-top: 1px solid var(--rule);
  font-size: 0.86rem;
  color: var(--muted);
  max-width: 62ch;
}

.hub {
  width: min(1100px, 90vw);
  margin: 0 auto;
  padding: 4rem 0 6rem;
  display: grid;
  grid-template-columns: minmax(0, 1.1fr) minmax(16rem, 0.7fr);
  gap: 4rem;
  align-items: end;
}

.hub h1 { max-width: 10ch; }

.guide-link {
  display: block;
  text-decoration: none;
  color: inherit;
  padding: 1.4rem 0;
  border-top: 1px solid var(--ink);
  border-bottom: 1px solid var(--ink);
}

.guide-link:hover { color: var(--accent); }

.guide-link small {
  display: block;
  margin-bottom: 0.35rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  font-size: 0.7rem;
  color: var(--muted);
}

.guide-link strong {
  font-family: var(--font-display);
  font-size: 1.8rem;
  font-weight: 560;
}

@media (max-width: 860px) {
  .page,
  .hub,
  .account,
  .compare,
  .viz,
  .viz figcaption,
  .auto {
    grid-template-columns: 1fr;
  }

  .page { gap: 1.5rem; padding-top: 1.4rem; }
  .toc { position: static; }
  .toc ol { display: flex; flex-wrap: wrap; border: 0; gap: 0.2rem 0.9rem; }
  .toc a { padding-left: 0; }
  .account.wide { grid-column: auto; }
  .compare > div + div { border-left: 0; border-top: 1px solid var(--rule); padding-left: 0; }
  .auto i { display: none; }
  .hub { padding-top: 2.4rem; }
}

@media (prefers-reduced-motion: no-preference) {
  .rise {
    animation: rise 0.55s cubic-bezier(0.16, 1, 0.3, 1) both;
  }
  .step { animation: rise 0.5s cubic-bezier(0.16, 1, 0.3, 1) both; }
  .step:nth-child(1) { animation-delay: 40ms; }
  .step:nth-child(2) { animation-delay: 90ms; }
  .step:nth-child(3) { animation-delay: 140ms; }
  .step:nth-child(4) { animation-delay: 190ms; }
  .step:nth-child(5) { animation-delay: 240ms; }
}

@keyframes rise {
  from { opacity: 0; transform: translateY(10px); }
  to { opacity: 1; transform: translateY(0); }
}