:root{color-scheme:light;--bg:#fffefb;--reading:680px;--wide:900px;--fg:#20211f;--muted:#65675f;--rule:#e6e5df;--accent:#255185;--secondary:#6286ae;--wash:#edf1f5;--faint:#c9d6e2;--ochre:#9c6432;--green:#52725d;--gray:#757975;--negative:#ae4d43;--code-bg:#f4f4ef;--shadow:0 0 0 1px #0000000c,0 2px 5px #00000005;--mono:ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;--ui:-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;--ease:cubic-bezier(.2,0,0,1);--image-outline:rgba(0,0,0,.1)}
:root[data-theme=dark]{color-scheme:dark;--bg:#181918;--fg:#eeefe9;--muted:#a7aaa1;--rule:#343731;--accent:#83a9cc;--secondary:#a0bdd8;--wash:#252e35;--faint:#44576a;--ochre:#ddb283;--green:#9ab7a4;--gray:#a3a9a1;--negative:#eea098;--code-bg:#222520;--shadow:0 0 0 1px #ffffff19;--image-outline:rgba(255,255,255,.1)}

/* Choosing mistakes: Georgia headings, a quiet reading column and framed figures. */
*{box-sizing:border-box}
html{background:var(--bg);scroll-behavior:smooth;scroll-padding-top:95px;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}
body{margin:0;color:var(--fg);font:16px/1.65 ui-serif,"New York","Iowan Old Style","Palatino Linotype",Palatino,Georgia,serif}
h1,h2,h3,p,figure{margin:0}
h1,h2,h3{text-wrap:balance;font-weight:400;font-family:Georgia,"Times New Roman",serif}
h1{font-size:clamp(32px,4vw,44px);line-height:1.15;letter-spacing:-.8px;margin:0 0 22px;max-width:650px}
h2{font-size:28px;line-height:1.25;letter-spacing:-.5px;margin:0 0 22px}
h3{font-size:20px;line-height:1.35;margin:30px 0 16px}
p,li,figcaption{text-wrap:pretty}
p{margin-bottom:18px;max-width:var(--reading)}
.essay-section>p{font-size:17px;line-height:1.8}
strong,b{font-weight:600}
a{color:var(--accent);text-decoration:none;text-underline-offset:4px}
a:hover{text-decoration:underline}
main{max-width:1160px;margin:auto;padding:0 24px 72px}
.reading,.report-header,section>h2,section>h3,section>p,section>details,section>.formula{max-width:var(--reading);margin-inline:auto}
.report-header{padding:60px 0 0}
.report-header>p{font-size:17px;line-height:1.75}
main>section{margin-top:56px;padding-top:0;margin-bottom:0;scroll-margin-top:95px}
.article-outline{display:flex;flex-wrap:wrap;gap:4px 22px;margin-top:24px}
.article-outline a{display:flex;align-items:center;gap:7px;min-height:44px;font-size:17px;line-height:1.75}
.article-outline a span{font-size:inherit}
.masthead{position:sticky;top:0;z-index:20;border-bottom:1px solid var(--rule);background:var(--bg)}
.masthead-inner{max-width:712px;padding:19px 20px;margin:auto;display:flex;align-items:center;justify-content:space-between;gap:16px}
.masthead-name{font-size:16px;color:var(--fg);font-weight:550;letter-spacing:-.15px}
.masthead-right{display:flex;align-items:center;gap:4px}
.masthead-right>a{font:11px var(--mono);text-transform:uppercase;letter-spacing:1px;color:var(--muted);padding:12px 9px}
button,input,select{font:inherit}
button{cursor:pointer;min-height:42px;border:0;border-radius:6px;padding:9px 13px;background:transparent;color:var(--muted);font:12px/1.5 var(--ui);transition:background-color .16s,color .16s,scale .16s,box-shadow .16s}
button,a,select,input,summary{-webkit-tap-highlight-color:transparent}
button:focus-visible,a:focus-visible,select:focus-visible,input:focus-visible,summary:focus-visible,[tabindex="0"]:focus-visible{outline:2px solid var(--accent);outline-offset:4px}
button:disabled{cursor:default;opacity:.4}
button:disabled:hover{background:transparent}
button:active{scale:.96}
button[aria-pressed=true]{background:var(--wash);color:var(--accent);box-shadow:inset 0 0 0 1px var(--accent)}
button.primary{background:var(--wash);color:var(--accent);box-shadow:var(--shadow)}
button.icon{width:42px;padding:8px;font-size:18px}
.theme-button{display:none;position:relative;width:40px;height:40px;min-height:40px;padding:12px;color:var(--muted)}
.js .theme-button{display:block}
.theme-button svg{position:absolute;inset:12px;width:16px;height:16px;transition:opacity .18s,scale .18s,filter .18s;transition-timing-function:var(--ease)}
.theme-button .sun{opacity:0;scale:.25;filter:blur(4px)}
[data-theme=dark] .theme-button .moon{opacity:0;scale:.25;filter:blur(4px)}
[data-theme=dark] .theme-button .sun{opacity:1;scale:1;filter:blur(0)}
input,select{font:14px/1.4 var(--ui);color:var(--fg);background:var(--bg);border:1px solid var(--rule);border-radius:4px;min-height:42px;padding:10px;max-width:100%;font-variant-numeric:tabular-nums}
input:disabled,select:disabled{opacity:.42}
input[type=checkbox]{accent-color:var(--accent);min-height:20px;width:18px;height:18px;margin:0}
label{font:12px/1.6 var(--ui);color:var(--muted)}
.small,figcaption{font:13px/1.7 var(--ui);color:var(--muted)}
.cite{font-size:inherit}
.formula{font:12px/1.8 var(--mono);color:var(--accent);overflow-wrap:anywhere;margin-block:20px}
code{font:.85em var(--mono);color:var(--accent)}
details{border-top:1px solid var(--rule);font-size:14px;margin-block:26px;padding:8px 0}
summary{min-height:44px;padding:12px 0;cursor:pointer;font:18px/1.5 Georgia,"Times New Roman",serif;color:var(--fg)}
details[open] summary{color:var(--accent);margin-bottom:8px}
details p{line-height:1.75}
.table-wrap{overflow:auto;margin:22px 0;scrollbar-width:thin}
table{width:100%;border-collapse:collapse;font:12px/1.6 var(--ui);font-variant-numeric:tabular-nums}
th,td{padding:12px 8px;border-bottom:1px solid var(--rule);text-align:left;vertical-align:top;font-weight:400}
th{font-size:11px;color:var(--muted);border-top:1px solid var(--rule)}
.journey{display:grid;grid-template-columns:repeat(3,1fr);margin:26px 0;border-block:1px solid var(--rule);font:13px var(--ui)}
.journey>div{padding:24px 18px;display:flex;flex-direction:column;gap:10px}
.journey strong{font-size:19px}.journey b{font-size:11px;color:var(--muted);font-weight:500}
.downloads{display:flex;flex-wrap:wrap;gap:8px;max-width:var(--reading);margin:24px auto}
.downloads button{box-shadow:var(--shadow);background:var(--wash);color:var(--accent)}
.sources{display:grid;grid-template-columns:1fr 1fr;gap:15px 30px;list-style:none;padding:0;max-width:900px;margin:30px auto;font:14px/1.7 Georgia,"Times New Roman",serif}
.sources li{padding:14px 0 4px;border-top:1px solid var(--rule)}
.sources a{display:block;margin-bottom:5px;font-size:14px}
.sources .source-author,.sources small{display:block;color:var(--muted);font-size:13px}
.article-end{max-width:var(--reading);margin:42px auto 0;border-top:1px solid var(--rule);padding-top:22px;font:12px/1.7 var(--ui);color:var(--muted)}
.skip-link{position:absolute;left:-9999px}.skip-link:focus{position:fixed;left:12px;top:12px;z-index:50;background:var(--bg);padding:8px}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
[hidden]{display:none!important}
html:not(.js) .calculator,html:not(.js) .brf.controls,html:not(.js) .brf-result,html:not(.js) .downloads{display:none}
@media(hover:hover){button:hover{background:var(--wash);color:var(--accent)}button.primary:hover{box-shadow:0 0 0 1px var(--accent)}}
@media(max-width:650px){.article-outline{gap:2px 20px}.masthead-name{font-size:15px}.masthead-right>a{font-size:10px;padding-inline:7px}}
@media(max-width:370px){main{padding-inline:16px}.masthead-name{font-size:14px}}

/* Figures share a reading rhythm, but their geometry belongs to their data. */
.viz{max-width:var(--wide);margin:30px auto 24px}.chart-live:empty{display:none}.chart-static img{width:100%;height:auto;display:block;outline:1px solid var(--image-outline);outline-offset:-1px}.chart-static figcaption{margin:12px 0}.viz.enhanced{padding:16px 12px 12px;border:1px solid var(--rule);border-radius:7px;background:var(--bg)}.viz.enhanced>.chart-static{display:none}.viz.enhanced.show-static>.chart-static{display:block;padding-top:22px;border-top:1px solid var(--rule)}.viz-heading{display:flex;align-items:baseline;justify-content:space-between;gap:16px;margin-bottom:16px;padding-inline:8px;font:20px/1.3 Georgia,"Times New Roman",serif;letter-spacing:-.3px}.viz-heading strong{color:var(--fg);font-weight:400}.viz-stamp{font:9px/1.6 var(--mono);letter-spacing:0;color:var(--muted);white-space:nowrap}.viz-controls{display:flex;flex-wrap:wrap;align-items:center;gap:8px 22px;margin:14px 0 17px}.viz-controls label{min-height:44px;display:flex;align-items:center;gap:9px;flex-wrap:wrap}.viz-controls select{font-size:12px;max-width:250px}.button-group{display:flex;gap:4px;flex-wrap:wrap;width:fit-content;max-width:100%;padding:4px;border-radius:10px;background:var(--wash)}
.button-group button[aria-pressed=true]{background:var(--bg);color:var(--accent);box-shadow:inset 0 0 0 1px var(--accent)}.button-group button{font-size:12px;padding:9px 12px}.chart-caption{max-width:var(--reading);margin:16px auto 18px;font:15px/1.65 Georgia,"Times New Roman",serif;color:var(--muted)}.chart-caption strong{color:var(--fg);font-weight:500}.chart-hint{font:11px/1.65 var(--ui);color:var(--muted);margin:8px 0 12px}.viz-footer{display:flex;justify-content:space-between;gap:20px;align-items:center;border-top:1px solid var(--rule);padding:6px 0;font:10px/1.5 var(--mono);color:var(--muted)}.viz-footer button{font-size:10px;color:var(--muted)}.plot{width:100%;display:block;overflow:visible;touch-action:pan-y}.plot text{font:11px var(--ui);fill:var(--muted)}.plot .label-ink{fill:var(--fg)}.plot .label-blue{fill:var(--accent)}.plot .axis path{stroke:var(--rule)}.plot .axis line{stroke:var(--rule)}.plot .axis text{font:10px var(--mono);fill:var(--muted)}.plot .grid line{stroke:var(--rule);stroke-opacity:.75}.plot .grid path{display:none}.plot .grid text{display:none}.plot .chart-title{font:11px var(--ui);fill:var(--muted)}.plot .zero{stroke:var(--gray);stroke-width:1;stroke-opacity:.5}.plot .cursor-line{stroke:var(--muted);stroke-dasharray:3 4;stroke-width:1;stroke-opacity:.7}.plot .plot-dot{stroke:var(--bg);stroke-width:1}.plot .selected-dot{stroke:var(--bg);stroke-width:2.5}.chart-legend{display:flex;flex-wrap:wrap;gap:15px;font:11px/1.6 var(--ui);color:var(--muted);margin:0 0 6px}.chart-legend span{display:flex;align-items:center;gap:7px}.legend-line{display:inline-block;width:20px;height:2px;background:var(--key)}.legend-line.dashed{height:0;background:none;border-top:2px dashed var(--key)}.readout{display:flex;flex-wrap:wrap;gap:12px 28px;align-items:baseline;font:12px/1.7 var(--ui);color:var(--muted);padding:17px 0;min-height:62px;border-top:1px solid var(--rule);font-variant-numeric:tabular-nums}.readout .reading-date{font:11px var(--mono);color:var(--fg);min-width:85px}.readout strong{color:var(--fg);font-weight:500;font-size:15px}.readout>span{white-space:nowrap}.chart-summary{font:17px/1.75 ui-serif,Georgia,serif;max-width:760px;margin:12px 0 20px}.chart-summary b{font-weight:500;color:var(--accent);font-variant-numeric:tabular-nums}.chart-tooltip{position:fixed;z-index:50;pointer-events:none;max-width:min(310px,calc(100vw - 24px));padding:13px 15px;background:var(--bg);box-shadow:0 0 0 1px var(--rule),0 6px 22px #00000012;font:12px/1.65 var(--ui);color:var(--fg);font-variant-numeric:tabular-nums}.chart-tooltip strong{display:block;font:11px var(--mono);margin-bottom:7px}.chart-tooltip span{display:block}.chart-tooltip small{display:block;color:var(--muted);margin-top:7px;font:11px/1.6 var(--ui)}.pca-parts{display:flex;height:17px;margin:16px 0 10px;gap:3px;overflow:hidden}.pca-part{min-width:1px;min-height:17px;padding:0;border-radius:0;opacity:.35}.pca-part[aria-pressed=true]{opacity:1;box-shadow:none}.pca-part:hover{opacity:.8}.pca-share{font:12px/1.7 var(--ui);color:var(--muted);margin-bottom:12px}.pca-share strong{font-weight:500;font-size:18px;color:var(--accent)}.shock-range{display:flex;align-items:center;gap:18px;flex:1;min-width:240px}.shock-range input{flex:1}.shock-range output{font:16px var(--mono);color:var(--accent);min-width:78px;text-align:right}.coefficient-note{font:12px/1.7 var(--ui);color:var(--muted);margin:12px 0}.schematic .route{fill:none;stroke:var(--faint);stroke-width:1.4}.schematic .stage-label{font:10px var(--mono);letter-spacing:.6px;fill:var(--muted)}.schematic .stage-title{font:18px ui-serif,Georgia,serif;fill:var(--fg)}.schematic .stage-value{font:23px ui-serif,Georgia,serif;fill:var(--accent)}.schematic .stage-small{font:11px var(--ui);fill:var(--muted)}.schematic .node circle{fill:var(--bg);stroke:var(--accent);stroke-width:1.5}.schematic .mark{fill:var(--accent);stroke:none}.illustration-caption{font:14px/1.75 var(--ui);max-width:var(--reading);margin:8px auto 20px;color:var(--muted)}.illustration-caption strong{color:var(--fg);font-weight:500}
/* Borrower inputs retain the original arithmetic and add a second visual readout. */
.calculator{max-width:var(--reading);margin:30px auto;padding:20px 18px;border:1px solid var(--rule);border-radius:7px;background:var(--bg)}.controls{display:grid;grid-template-columns:1fr 1fr;gap:17px 24px}.controls label{display:flex;flex-direction:column;gap:7px;font:12px/1.6 var(--ui);font-weight:500}.controls input,.controls select{width:100%;font-weight:400}.calculation{margin-top:25px;padding-top:20px;border-top:1px solid var(--rule)}.calculation p{font:12px/1.7 var(--ui)}.result-line{display:flex;justify-content:space-between;align-items:baseline;gap:18px;padding:12px 0;border-bottom:1px solid var(--rule);font:13px/1.6 var(--ui)}.result-line strong{font:25px/1.3 ui-serif,Georgia,serif;font-variant-numeric:tabular-nums;white-space:nowrap}.calculation .small{margin-top:18px;color:var(--muted)}.brf{max-width:var(--reading);margin:24px auto}.brf-result{padding-block:15px;border-block:1px solid var(--rule);font-size:16px}.brf-result strong{color:var(--accent);font-variant-numeric:tabular-nums}.budget-illustration{max-width:var(--wide);margin:28px auto 35px;padding:16px 12px 12px;border:1px solid var(--rule);border-radius:7px}.budget-illustration .building-title{font:19px ui-serif,Georgia,serif;fill:var(--fg)}.budget-illustration .building-number{font:22px ui-serif,Georgia,serif;fill:var(--accent)}
@media(max-width:760px){.report-header{padding:42px 0 0}h1{letter-spacing:-.65px}h2{font-size:26px}.masthead-inner{padding:10px 16px}.masthead-right>span{display:none}main{padding-inline:20px}main>section{margin-top:40px;margin-bottom:0}.viz-heading{gap:8px;align-items:flex-start}.viz-stamp{font-size:9px;padding-top:2px}.viz-controls{gap:12px}.viz-controls select{max-width:220px}.button-group button{padding-inline:10px;font-size:11px}.readout{gap:8px 16px;min-height:84px}.readout strong{font-size:14px}.chart-caption{font-size:14px}.chart-summary{font-size:14px}.plot .axis text{font-size:9px}.plot text{font-size:10px}.viz-footer{font-size:9px;gap:10px}.table-wrap table{min-width:660px}.calculator{padding:16px 12px}.controls{grid-template-columns:1fr}.journey{grid-template-columns:1fr}.shock-range{min-width:100%;width:100%}.figure-caption{font-size:13px}.formula{font-size:11px;padding:17px}.result-line strong{font-size:23px}.sources{grid-template-columns:1fr;font-size:14px}.schematic .stage-title{font-size:16px}.schematic .stage-value{font-size:21px}.budget-illustration .building-number{font-size:19px}}
@media(prefers-reduced-motion:reduce),(update:slow){html{scroll-behavior:auto}*,*:before,*:after{animation:none!important;transition:none!important}}
@media print{.masthead,.report-nav,.chart-live,.downloads,.theme-button,.chart-tooltip,.budget-illustration{display:none!important}.viz>.chart-static,.viz.enhanced>.chart-static{display:block!important}.viz{border:0!important;padding:0!important}.report-header{padding-top:18px}body{font-size:11pt;background:white;color:#20211f}main,header{max-width:none}main>section{margin-top:26px}h1{font-size:34px}h2{font-size:24px}p{max-width:none}details{display:block}details>*{display:block}figure,table,.calculator{break-inside:avoid}.controls{grid-template-columns:1fr 1fr}}

.schematic .stage-value,.budget-illustration .building-number{font-variant-numeric:tabular-nums}

/* Equations are native MathML: selectable, accessible and available offline. */
.equation{max-width:var(--reading);margin:30px auto 34px;padding:18px 0 20px;border-block:1px solid var(--rule);container-type:inline-size}
.equation-title{font:10px/1.7 var(--mono);letter-spacing:.65px;text-transform:uppercase;color:var(--muted)}
.equation-display{overflow-x:auto;padding:26px 12px 22px;scrollbar-width:thin}
.equation math{font:25px "STIX Two Math","Cambria Math","STIXGeneral",math;color:var(--accent);margin:0 auto;math-style:normal}
.equation mtext{white-space:nowrap}
.equation figcaption{font:12px/1.75 var(--ui);margin:13px 0 0;max-width:var(--reading)}
.equation-key{margin:8px 0 10px;display:grid;grid-template-columns:1fr 1fr;gap:20px 30px;font:12px/1.75 var(--ui);color:var(--muted)}
.equation-key dt{font-weight:500;color:var(--fg);margin-bottom:5px}
.equation-key dd{margin:0}
.instrument-list{max-width:var(--reading);margin:26px auto 22px;font-size:16px;line-height:1.7}
.instrument-list>div{display:grid;grid-template-columns:170px 1fr;gap:24px;border-top:1px solid var(--rule);padding:19px 0}
.instrument-list dt{font-size:18px;color:var(--accent)}
.instrument-list dd{margin:0;color:var(--muted)}
.transmission-paths{max-width:var(--wide);display:grid;grid-template-columns:1fr 1fr;gap:24px;margin:32px auto 25px}
.transmission-paths>article{padding:18px 20px 4px;border:1px solid var(--rule);border-radius:7px}
.path-label{font:10px/1.6 var(--mono);letter-spacing:.5px;text-transform:uppercase;color:var(--muted)}
.transmission-paths h3{font-size:20px;margin:13px 0 14px}
.transmission-paths p{font-size:16px;line-height:1.75;color:var(--muted)}
.history-selection{fill:var(--accent);fill-opacity:.1;stroke:var(--accent);stroke-opacity:.35}
#viz-history .plot{cursor:crosshair;user-select:none}
@media(max-width:760px){.equation{margin-block:25px;padding:16px 0}.equation-display{padding:24px 3px 17px}.equation math{font-size:20px}.equation-key{grid-template-columns:1fr;gap:15px}.equation-title{font-size:9px}.equation figcaption{font-size:11px}.instrument-list>div{grid-template-columns:1fr;gap:7px}.instrument-list{font-size:15px}.transmission-paths{grid-template-columns:1fr;gap:9px;padding-top:20px}.transmission-paths article+article{border-top:1px solid var(--rule);padding-top:20px}}
@media print{:root,:root[data-theme=dark]{--bg:white;--fg:#20211f;--muted:#65675f;--accent:#255185;--rule:#e6e5df}.equation{break-inside:avoid}.equation math{font-size:19px}.equation-key{grid-template-columns:1fr 1fr}.transmission-paths{break-inside:avoid}.equation-display{overflow:visible}}


/* Sliding intervals replace date menus; the two endpoints retain exact month values. */
.date-window{margin:16px 0 8px;user-select:none}
.date-window-heading{display:flex;justify-content:space-between;gap:14px;font:11px/1.6 var(--ui);color:var(--muted)}
.date-window-heading output{font:11px/1.6 var(--mono);color:var(--accent);text-align:right;font-variant-numeric:tabular-nums}
.date-window-track{display:block;width:100%;overflow:visible;touch-action:none}
.window-track{fill:var(--code-bg);stroke:var(--rule)}.window-band{fill:var(--faint);fill-opacity:.65}
.window-grip{fill:var(--accent)}.window-grip-line{stroke:var(--bg);stroke-width:1}
.window-handle{cursor:ew-resize}.window-move{cursor:grab}.window-move:active{cursor:grabbing}
.window-years text{font:10px var(--mono);fill:var(--muted)}
.date-window .chart-hint{margin-top:0}.window-handle:focus-visible .window-grip{stroke:var(--fg);stroke-width:2}
.window-move:focus-visible .window-hit{stroke:var(--accent);stroke-width:2}
.field-buttons{font:12px/1.6 var(--ui);color:var(--muted)}.field-buttons>span{display:block;margin-bottom:7px}
.field-buttons .button-group{min-height:42px}
.offer-tool{margin:34px auto 40px;padding:22px 24px 24px;border:1px solid var(--rule);border-radius:7px;max-width:var(--wide);background:var(--bg)}
.offer-intro{font:15px/1.75 ui-serif,Georgia,serif;color:var(--muted);max-width:var(--reading)}
.offer-inputs{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:15px;margin:20px 0 10px}
.offer-tool label{display:flex;flex-direction:column;gap:7px}.offer-tool input{width:100%;font-variant-numeric:tabular-nums}
.offer-comparison{margin:28px 0 34px}
.offer-table-heading,.offer-row{display:grid;grid-template-columns:1.1fr 1fr 1.8fr;gap:24px;align-items:center;padding:17px 14px;border-bottom:1px solid var(--rule)}
.offer-table-heading{font:11px/1.6 var(--ui);color:var(--muted);padding-bottom:10px}
.offer-row.selected{background:var(--wash)}.offer-row>button{font:20px/1.5 ui-serif,Georgia,serif;text-align:left;padding:8px 0;max-width:150px;color:var(--fg)}
.offer-row>button[aria-pressed=true]{box-shadow:none;background:transparent;color:var(--accent)}
.offer-duration{display:block;height:3px;background:var(--rule);margin-top:7px;width:100%}.offer-duration i{display:block;height:3px;background:var(--accent)}
.offer-row label{font-size:10px}.offer-row input{max-width:125px;font-size:16px;background:var(--bg)}
.offer-row-output{font:12px/1.6 var(--ui);text-align:right;font-variant-numeric:tabular-nums}
.offer-row-output strong{font:22px/1.4 ui-serif,Georgia,serif;white-space:nowrap;color:var(--ochre)}.offer-row-output strong.saving{color:var(--green)}
.offer-row-output small{display:block;color:var(--muted);font:11px/1.6 var(--ui);margin-top:3px}.offer-row-output .exit-label{color:var(--ochre)}
.offer-chart-heading{display:flex;align-items:center;justify-content:space-between;gap:22px;font:17px/1.5 ui-serif,Georgia,serif;margin:12px 0}
.offer-chart-heading label{display:flex;flex-direction:row;align-items:center;gap:10px;white-space:nowrap}.offer-chart-heading input{width:80px}
.offer-plot{margin-top:18px;user-select:none}.offer-plot .offer-anchor{cursor:ns-resize;touch-action:none}.offer-anchor-dot{fill:var(--bg);stroke:var(--accent);stroke-width:2.5}
.offer-anchor-value{fill:var(--accent)!important;font:11px var(--mono)!important;paint-order:stroke;stroke:var(--bg);stroke-width:4px;stroke-linejoin:round}
.offer-end{cursor:ew-resize;touch-action:none}.offer-plot .offer-expiry-label{fill:var(--ochre)}
.offer-path-editor{max-width:none;margin:12px 0 20px}.offer-path-editor .offer-inputs{margin:0 0 20px}
.offer-period-note{font:15px/1.8 var(--ui);max-width:var(--reading);margin:22px 0 20px}
.offer-costs{display:grid;grid-template-columns:240px 1fr;gap:25px;align-items:center;max-width:760px;margin:20px 0}
.offer-costs .chart-hint{margin:0}.offer-results{display:grid;grid-template-columns:1fr 1fr;gap:0 34px;border-top:1px solid var(--rule)}
.offer-results>div{padding:23px 0 20px;border-bottom:1px solid var(--rule);display:flex;flex-direction:column;gap:8px}
.offer-results span{font:11px/1.6 var(--ui);color:var(--muted)}.offer-results strong{font:27px/1.3 ui-serif,Georgia,serif;color:var(--accent);font-variant-numeric:tabular-nums}
.offer-results small{font:12px/1.7 var(--ui);color:var(--muted)}
.offer-interpretation{font:16px/1.75 ui-serif,Georgia,serif;margin:25px auto 20px;max-width:var(--reading)}.offer-exit{font:13px/1.8 var(--ui);border-left:2px solid var(--ochre);padding:0 0 0 18px;color:var(--ochre);max-width:var(--reading)}
.offer-method{margin:18px 0 0;max-width:var(--reading)}.offer-method p{font:14px/1.75 var(--ui);color:var(--muted)}
.offer-save{margin-top:10px}.offer-error{color:var(--negative);font:13px/1.8 var(--ui)}.offer-invalid .offer-results,.offer-invalid .offer-row-output,.offer-invalid .offer-interpretation{opacity:.35}
.decision-tradeoffs{display:grid;grid-template-columns:1fr 1fr;gap:24px;max-width:var(--wide);margin:30px auto 22px}
.decision-tradeoffs>article{padding:18px 20px 4px;border:1px solid var(--rule);border-radius:7px}
.decision-tradeoffs h3{font-size:20px;margin:12px 0 16px}.decision-tradeoffs p{font-size:16px;line-height:1.8;color:var(--muted)}
@media(max-width:760px){.offer-inputs{grid-template-columns:1fr 1fr;gap:16px 14px}.offer-table-heading,.offer-row{gap:12px;padding-inline:8px;grid-template-columns:.75fr .85fr 1.4fr}.offer-row>button{font-size:18px}.offer-row-output strong{font-size:18px}.offer-row-output small{font-size:10px}.offer-table-heading{font-size:10px}.offer-chart-heading{align-items:flex-start;flex-direction:column;gap:12px}.offer-chart-heading label{font-size:11px}.offer-results{gap:0 20px}.offer-results strong{font-size:24px}.offer-results small{font-size:11px}.offer-costs{grid-template-columns:1fr;gap:10px}.offer-costs input{max-width:230px}.offer-row input{padding:8px}.offer-row label{font-size:9px}.offer-row-output strong{white-space:normal}.decision-tradeoffs{grid-template-columns:1fr;gap:10px}.date-window-heading{flex-direction:column;gap:4px}.date-window-heading output{text-align:left}.date-window .chart-hint{font-size:10px}}
@media print{.date-window{display:none}.offer-tool{font-size:11px}.offer-tool .button-group,.offer-save{display:none}.offer-inputs{grid-template-columns:repeat(4,1fr)}.offer-results{break-inside:avoid}.offer-plot{break-inside:avoid}}

#sensitivity-plot{cursor:crosshair;user-select:none;touch-action:pan-y}
.sensitivity-selection{display:flex;align-items:center;gap:16px 28px;flex-wrap:wrap;margin:15px 0 18px;font:12px/1.7 var(--ui)}
.sensitivity-selection label{display:flex;align-items:center;gap:12px}.sensitivity-selection input{width:90px;font-variant-numeric:tabular-nums}.sensitivity-selection .chart-hint{margin:0;max-width:450px}
.sensitivity-readout{display:grid;grid-template-columns:1fr 1fr;gap:30px;padding:20px 0;border-block:1px solid var(--rule);font-variant-numeric:tabular-nums}
.sensitivity-readout>div{display:flex;flex-direction:column;gap:8px}.sensitivity-readout span{font:12px/1.6 var(--ui);color:var(--muted)}.sensitivity-readout strong{font:27px/1.3 ui-serif,Georgia,serif}.sensitivity-readout small{font:11px/1.7 var(--ui);color:var(--muted)}
.sensitivity-method{max-width:var(--reading);margin-inline:auto}.sensitivity-method p{font:13px/1.8 var(--ui);color:var(--muted)}
.results-note{max-width:var(--reading)}.results-note>p{max-width:var(--reading)}.results-note .table-wrap{margin-top:12px}.results-note .viz{max-width:100%}
@media(max-width:760px){.sensitivity-readout{gap:18px}.sensitivity-readout strong{font-size:25px}.sensitivity-readout small{font-size:10px}.sensitivity-selection .chart-hint{font-size:10px}#sensitivity-plot .axis-label,#sensitivity-plot .sensitivity-x-label{font-size:10px}}

/* Compact expressions keep the mathematics together; definitions carry the prose. */
.equation{margin-block:26px;padding:16px 0 17px}
.equation-display{padding:19px 8px 20px}
.equation math{font-size:28px}
.equation mtext{font-family:"STIX Two Math","Cambria Math",math}
.equation-key{margin:8px 0 4px;gap:14px 28px}
.equation-components .equation-key{grid-template-columns:repeat(3,minmax(0,1fr));gap:24px;padding-top:13px;border-top:1px solid var(--rule)}
.equation-components .equation-key dt{font:14px/1.5 ui-serif,Georgia,serif;color:var(--accent);margin-bottom:7px}
.equation-components .equation-key dd{font:12px/1.7 var(--ui);color:var(--muted)}
.equation figcaption{margin-top:15px}
@media(max-width:760px){.equation math{font-size:20px}.equation-components math{font-size:24px}.equation-display{padding:18px 2px}.equation-components .equation-key{grid-template-columns:1fr;gap:12px}.equation-components .equation-key>div{display:grid;grid-template-columns:135px 1fr;gap:12px}.equation-components .equation-key dt{font-size:13px;margin:0}.equation-components .equation-key dd{font-size:11px}}
@media print{.equation math{font-size:21px}.equation-components .equation-key{grid-template-columns:repeat(3,1fr)}}
/* The joint stress picture separates monthly liquidity from money available on sale. */
.exit-risk-tool{max-width:760px;margin:32px auto;padding:22px 24px 24px;border:0;border-radius:10px;background:var(--wash)}
.exit-assumptions{font:16px/1.75 ui-serif,Georgia,serif;margin:13px 0 5px;max-width:var(--reading)}
.exit-risk-tool details{margin:10px 0 15px}.exit-inputs{display:grid;grid-template-columns:1fr 1fr;gap:18px 28px;margin:0 0 16px}
.exit-risk-tool label{display:flex;flex-direction:column;gap:7px}.exit-risk-tool input{width:100%;font-variant-numeric:tabular-nums}
.exit-protection{display:flex;flex-wrap:wrap;align-items:center;gap:10px 22px;font:12px/1.6 var(--ui);color:var(--muted);margin-top:18px}
.exit-stresses{display:grid;grid-template-columns:1fr 1fr;gap:24px;max-width:480px;margin:22px 0 20px}
.exit-plot{margin-top:17px}.exit-handle{cursor:move;touch-action:none}.exit-handle:focus-visible .exit-dot{stroke:var(--fg)}
.plot .exit-dot-label{fill:var(--accent);font:11px var(--mono);paint-order:stroke;stroke:var(--bg);stroke-width:4px;stroke-linejoin:round}
.exit-legend{display:grid;grid-template-columns:1fr 1fr;gap:20px;font:12px/1.5 var(--ui);color:var(--muted);margin:7px 0 22px}
.exit-legend>div{display:flex;gap:10px;align-items:flex-start}.exit-legend i{display:block;flex:0 0 14px;height:14px;background:color-mix(in srgb,var(--key) 16%,var(--bg));border-top:1px dashed var(--key);margin-top:3px}
.exit-legend strong,.exit-legend small{display:block;font-weight:400}.exit-legend strong{color:var(--fg);margin-bottom:4px}.exit-legend small{font-size:11px;line-height:1.65}
.exit-results{display:grid;grid-template-columns:1fr 1fr;gap:28px;border-block:1px solid var(--rule);padding:19px 0 20px}
.exit-results p{font:17px/1.7 ui-serif,Georgia,serif;margin:0}.exit-results strong{color:var(--accent);font-weight:500;font-variant-numeric:tabular-nums}
.exit-results small{display:block;font:11px/1.7 var(--ui);color:var(--muted);margin-top:8px}
.exit-interpretation{font:16px/1.75 ui-serif,Georgia,serif;margin-top:18px;max-width:var(--reading)}.exit-invalid .exit-chart,.exit-invalid .exit-results,.exit-invalid .exit-interpretation{opacity:.35;pointer-events:none}
@media(max-width:760px){.exit-risk-tool .viz-heading{align-items:flex-start;flex-direction:column;gap:6px}.exit-stresses{gap:15px}.exit-inputs{gap:14px}.exit-legend{gap:15px}.exit-results{grid-template-columns:1fr;gap:19px}.exit-results p+p{padding-top:17px;border-top:1px solid var(--rule)}.exit-protection{gap:8px}.exit-risk-tool .button-group button{padding-inline:10px}}
@media print{.exit-risk-tool details,.exit-stresses,.exit-protection{display:none}.exit-risk-tool{break-inside:avoid}.exit-plot{max-width:680px;margin-inline:auto}.exit-chart .chart-hint{display:none}}
@media(max-width:370px){main{padding-inline:16px}}

.offer-chart-heading>strong{font-size:20px;font-weight:400}

#viz-sensitivity.enhanced{max-width:760px;padding:22px 24px 24px;background:var(--wash);border:0;border-radius:10px}
#viz-sensitivity .viz-heading,.exit-risk-tool .viz-heading{padding-inline:0;font-size:23px}
#viz-sensitivity .viz-heading,.offer-tool .viz-heading,.exit-risk-tool .viz-heading{flex-direction:column;gap:7px}
#viz-sensitivity .button-group,.exit-risk-tool .button-group{background:color-mix(in srgb,var(--accent) 9%,var(--wash))}
.offer-tool .viz-heading{padding-inline:0;font-size:23px}
.offer-tool .viz-stamp,.exit-risk-tool .viz-stamp{text-transform:none}
.offer-chart-heading>strong,.offer-row>button{font-family:Georgia,"Times New Roman",serif}
.equation{border:1px solid var(--rule);border-radius:7px;padding:20px 18px}
.equation-title{font:16px/1.5 Georgia,"Times New Roman",serif;letter-spacing:0;text-transform:none;color:var(--fg)}
.equation figcaption{font:13px/1.7 var(--ui)}
@media(max-width:800px){main{padding-inline:20px}}
@media(max-width:650px){main{padding-inline:16px}.report-header{padding-top:40px}.viz-heading{font-size:18px;flex-direction:column;gap:6px}.viz-heading .viz-stamp{font-size:9px}.offer-tool{padding:18px 10px}.exit-risk-tool,#viz-sensitivity.enhanced{padding:22px 10px 24px}.exit-risk-tool .viz-heading,#viz-sensitivity .viz-heading,.offer-tool .viz-heading{font-size:21px}.equation{padding:16px 8px}.equation-title{font-size:15px}.equation-components math{font-size:22px}.sources{grid-template-columns:1fr}.transmission-paths>article,.decision-tradeoffs>article{padding:16px 16px 0}.button-group{width:100%}.button-group button{flex:1}.chart-caption,.chart-summary{font-size:15px}}
@media print{.exit-risk-tool,#viz-sensitivity.enhanced{background:transparent}.sources{grid-template-columns:1fr 1fr}}

/* Room to be wrong: one main comparison, quieter secondary choices, stable marks. */
:root{--chart-ease:cubic-bezier(.3333,1,.6667,1)}
.viz .chart-options{max-width:none;border:0;padding:0;margin:4px 0 14px}
.chart-options>summary{width:fit-content;font:12px/1.6 var(--ui);color:var(--muted);padding:10px 0}
.chart-options[open]>summary{margin-bottom:4px}
.chart-options>label{display:flex;flex-wrap:wrap;align-items:center;gap:12px;margin:8px 0}
.chart-options .button-group{margin-block:8px}
.chart-options .viz-controls{margin-block:8px}
.viz .plot .grid line{stroke-opacity:.5}
.episode-plot .episode-name{font:13px var(--ui);fill:var(--fg)}
.episode-plot .episode-section{font:11px var(--ui);fill:var(--muted)}
.episode-plot .stage-value{font:19px Georgia,"Times New Roman",serif;font-variant-numeric:tabular-nums}
.episode-plot .episode-dot{stroke:var(--bg);stroke-width:2}
.episode-plot .episode-axis .domain{display:none}
.pca-part{transition:opacity 420ms var(--chart-ease)}
.viz-controls>.button-group{margin-block:0}
@media(max-width:650px){.episode-plot .episode-name{font-size:11px}.episode-plot .stage-value{font-size:15px}.episode-plot .episode-section{font-size:10px}.chart-options>summary{font-size:11px}}
@media(prefers-reduced-motion:reduce),(update:slow){.pca-part{transition:none}}

/* Opening text uses one reading size; technical notes keep one smaller size. */
#foundations>h3{font:600 17px/1.8 ui-serif,"New York","Iowan Old Style",Georgia,serif;margin:26px auto 12px}
#foundations .equation-title{font-size:17px}
#foundations .equation-key dt,#foundations .equation-key dd,#foundations .equation figcaption{font-size:14px;line-height:1.7}
.budget-visual{display:grid;grid-template-columns:1.4fr 1fr;align-items:center;gap:24px;margin:22px 6px 24px}
.budget-art{display:block;width:100%;height:auto;outline:none}
.budget-debts{min-width:0}
.budget-illustration>figcaption{max-width:680px;margin:0 auto 12px}
@media(max-width:650px){.budget-visual{grid-template-columns:1fr;gap:12px;margin:12px 0 20px}.budget-art{max-width:480px;margin-inline:auto}.budget-debts{max-width:400px;width:100%;margin-inline:auto}}

/* The trade-off article's numbers in prose, with an optional exact-value editor. */
summary{display:flex;align-items:baseline;gap:16px;list-style:none}
summary::-webkit-details-marker{display:none}
summary::marker{content:''}
summary::after{content:'+';margin-left:auto;font:16px var(--ui);color:var(--muted)}
details[open]>summary::after{content:'−'}
main .number-sentence{font:17px/1.85 ui-serif,"New York","Iowan Old Style",Georgia,serif;color:var(--fg);margin:0;max-width:680px}
.inline-number{display:inline;white-space:nowrap}
main .scrub{position:relative;display:inline-block;min-width:3ch;min-height:0;margin:0 .06em;padding:0 .13em;border:0;border-bottom:1px dotted currentColor;border-radius:2px;background:color-mix(in srgb,var(--accent) 8%,transparent);color:var(--accent);font:inherit;font-variant-numeric:tabular-nums;line-height:1.35;vertical-align:baseline;text-align:center;white-space:nowrap;cursor:ew-resize;touch-action:pan-y;user-select:none;transition:background-color 140ms ease}
main .scrub::before{content:'';position:absolute;inset:-8px -2px}
main .scrub:active{transform:none;scale:1}
main .scrub.is-scrubbing{background:var(--accent);color:var(--bg)}
main .scrub:focus-visible{outline:2px solid var(--accent);outline-offset:4px}
main .scrub:disabled{opacity:.5;cursor:default;background:transparent;border-bottom-color:transparent}
main .number-editor{display:inline-block;width:auto;max-width:100%;min-height:0;padding:0 .13em;margin:0 .06em;border:0;border-bottom:1px solid var(--accent);border-radius:0;background:var(--bg);font:inherit;line-height:1.35;font-variant-numeric:tabular-nums;color:var(--accent);appearance:textfield}
.number-editor::-webkit-inner-spin-button,.number-editor::-webkit-outer-spin-button{-webkit-appearance:none;margin:0}
main .inline-number>[hidden]{display:none!important}
.offer-inputs{display:block;margin:20px 0 10px}
.offer-chart-heading label{display:block;white-space:normal}
.offer-chart-heading .number-sentence{font-size:15px}
.offer-row label{display:block}
.offer-row label .number-sentence{font-size:19px}
.offer-costs{display:block}.offer-costs .chart-hint{margin-top:8px}
.calculator .controls{display:flex;flex-direction:column;align-items:stretch;gap:20px}
.brf.controls{display:block}
.exit-stresses{display:block;max-width:680px;margin:22px 0 20px}
.exit-assumptions{margin:14px 0 12px}
.sensitivity-shock .number-sentence{font-size:16px}
@media(max-width:650px){.offer-row label .number-sentence{font-size:17px}.offer-table-heading,.offer-row{grid-template-columns:.8fr .8fr 1.5fr;gap:9px}}
@media(prefers-reduced-motion:reduce){main .scrub{transition:none}}

/* Supporting detail sits beside the passage on wide screens and below it on phones. */
.margin-annotation{position:relative;max-width:680px;margin:12px auto 22px;padding:0;border:0}
.margin-annotation>summary.note-ref{display:flex;width:fit-content;gap:7px;min-height:40px;padding:0 3px;font:12px/1.5 var(--ui);color:var(--muted)}
.margin-annotation>summary::after,.margin-annotation[open]>summary::after{content:none}
.note-letter{display:inline-grid;place-items:center;flex:none;width:22px;height:22px;border:1px solid var(--rule);border-radius:50%;color:var(--accent);font:10px var(--mono)}
.margin-annotation[open]>summary{color:var(--accent)}.margin-annotation[open] .note-letter{background:var(--wash);border-color:var(--accent)}
.margin-note{position:absolute;left:calc(100% + 20px);top:0;z-index:8;width:min(320px,calc((100vw - 680px)/2 - 40px));border-left:1px solid var(--rule);padding-left:16px;background:var(--bg);max-height:min(680px,75vh);overflow:auto;overscroll-behavior:contain;scrollbar-width:thin}
.note-head{display:flex;gap:10px;align-items:start;position:sticky;top:0;background:var(--bg);padding-bottom:10px;z-index:1}
.note-head h3{font:13px/1.5 var(--ui);margin:9px 0 0!important;letter-spacing:0}
.note-close{margin-left:auto;flex:none;width:40px;min-height:40px;padding:0;font:22px/1 var(--ui);color:var(--muted)}
.note-body p,.note-body .equation-key dd,.note-body .equation-key dt{font:13px/1.7 var(--ui);margin:0 0 14px}
.note-body a{font-size:inherit;overflow-wrap:anywhere}
.note-body .equation{padding:0;margin:0 0 20px;border:0;border-radius:0}.note-body .equation-title{font:13px/1.6 var(--ui)}
.note-body>.equation:only-child>.equation-title{display:none}
.note-body .equation math{font-size:18px}.note-body .equation-display{overflow-x:auto;padding:16px 0}
.note-body .equation-key{display:block}.note-body .equation-key dt{margin:0;font-weight:600}.note-body .equation figcaption{font:12px/1.7 var(--ui)}
.note-body .equation-key>div{display:block;margin-bottom:12px}
.technical-model .equation{margin:20px 0}.technical-model{max-width:680px;margin:20px auto}
.formula-sketch{max-width:680px;margin:24px auto 14px;padding:20px 0 6px;border-block:1px solid var(--rule)}
.sketch-title{font:19px/1.4 Georgia,serif;margin-bottom:10px}.sketch-caption{font:15px/1.7 ui-serif,Georgia,serif;margin:12px 0 15px}
.sketch-presets{display:flex;flex-wrap:wrap;gap:4px 8px}.sketch-presets button{padding:8px 10px;font-size:11px;background:var(--wash)}
.component-sketch{margin:14px 0 0}.plot .component-label{font:12px var(--ui);fill:var(--muted)}.plot .component-label.is-output{fill:var(--fg)}
.plot .component-value{font:16px Georgia,serif;fill:var(--accent);font-variant-numeric:tabular-nums}
.component-handle,.payment-handle{cursor:ew-resize;touch-action:none}.component-handle:focus-visible{outline:2px solid var(--accent);outline-offset:0}
.payment-sketch{margin-top:18px}.formula-sketch .number-sentence{font-size:16px}
#history-reset{margin-left:auto;color:var(--accent);border:1px solid var(--rule)}
.offer-expiry-note{font:14px/1.7 ui-serif,Georgia,serif;margin:8px 0 16px}.offer-view-button{color:var(--accent);padding-left:0}
.offer-cost-plot text.cost-caption{font:12px var(--ui)}
@media(max-width:1199px){.margin-note{position:static;width:100%;max-height:none;margin-top:12px;padding-left:16px}.note-head{position:static}.note-body{max-width:580px}.note-body .equation math{font-size:21px}}
@media(max-width:450px){.plot .component-label{font-size:11px}.plot .component-value{font-size:14px}}
@media print{.margin-note{position:static;width:100%;max-height:none}.note-close{display:none}.formula-sketch{break-inside:avoid}}
html:not(.js) .note-close{display:none}

/* Only this route loads these overrides. Header markup and behavior stay shared. */
body{position:relative;isolation:isolate}
:root{--fx:#255185}:root[data-theme=dark]{--fx:#416587}
main:focus{outline:none}
main .plot{height:auto}
main p+p{margin-top:0}
.reading{font-size:17px;line-height:1.8}
.essay-intro h1{font-size:44px;line-height:1.15;margin:18px 0 22px}
.essay-intro p{font-size:17px;line-height:1.75}
.essay-intro+.essay-section{margin-top:52px}
.page-dither{position:absolute;inset:0 0 auto;width:100%;height:100vh;pointer-events:none;z-index:-1;opacity:.45;mask-image:linear-gradient(to bottom,#000 0%,#000 12%,transparent 45%);-webkit-mask-image:linear-gradient(to bottom,#000 0%,#000 12%,transparent 45%)}
.site-header{z-index:20;background:transparent;backdrop-filter:blur(0px);-webkit-backdrop-filter:blur(0px);transition:background-color 320ms ease,backdrop-filter 320ms ease,-webkit-backdrop-filter 320ms ease}
[data-scrolled] .site-header{background:color-mix(in srgb,var(--bg) 85%,transparent);backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px)}
.site-header-inner{max-width:712px;padding:18.4px 20px}
.site-header .theme-toggle{min-height:40px}
.fx-toggle{font:16px/1 var(--mono)}.fx-toggle[data-off]{opacity:.35}
.controls{border:0;padding:0}
.downloads .download-link{display:inline-flex;align-items:center;min-height:42px;padding:9px 13px;font:12px/1.5 var(--ui);border:1px solid var(--rule);border-radius:6px}
.essay-footer .sources{display:block;padding-left:20px}
.essay-footer .sources li{margin-bottom:18px}
.essay-footer .small{font:13px/1.7 var(--ui);color:var(--muted);margin-top:20px}
@media(max-width:650px){.essay-intro h1{font-size:34px}.site-header-inner{padding-inline:16px;gap:6px}}
@media print{.site-header,.page-dither{display:none}}