/* CompareCDRate.com — design system */
:root{
  --navy:#0B2545;--navy-2:#13315C;--navy-3:#08192F;--ink:#18222F;--muted:#566275;--line:#DCE3EC;--line-2:#E9EEF4;
  --bg:#fff;--bg-alt:#F4F7FB;--green:#1E9E6A;--green-d:#137A50;--green-l:#2BB673;--green-bg:#E8F6EF;--gold:#B7791F;--warn:#9A3412;--err:#B42318;
  --r:12px;--r-sm:8px;--sh:0 1px 2px rgba(11,37,69,.06),0 4px 16px rgba(11,37,69,.06);--sh-lg:0 10px 40px rgba(11,37,69,.14);
  --font:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,"Noto Sans",sans-serif;
  --serif:"Iowan Old Style","Palatino Linotype",Palatino,Georgia,serif;
  --w:1180px;
}
*,*::before,*::after{box-sizing:border-box}
[hidden]{display:none!important}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:84px}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}
body{margin:0;font:16px/1.6 var(--font);color:var(--ink);background:var(--bg);-webkit-font-smoothing:antialiased}
img,svg{max-width:100%;vertical-align:middle}
a{color:var(--green-d);text-underline-offset:2px}
a:hover{color:var(--navy)}
h1,h2,h3{color:var(--navy);line-height:1.2;margin:0 0 .5em;letter-spacing:-.01em}
h1{font-size:clamp(1.9rem,3.6vw,2.85rem);font-weight:800}
h2{font-size:clamp(1.45rem,2.4vw,1.95rem);font-weight:750}
h3,.h3{font-size:1.15rem;font-weight:700}
p{margin:0 0 1em}
ul,ol{padding-left:1.25em}
small{font-size:.75em}
:focus-visible{outline:3px solid var(--green-l);outline-offset:2px;border-radius:4px}
.sr-only{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.skip{position:absolute;left:-999px;top:8px;z-index:100;background:var(--navy);color:#fff;padding:10px 16px;border-radius:8px}
.skip:focus{left:12px}
.wrap{max-width:var(--w);margin:0 auto;padding:0 20px}
.narrow{max-width:820px}
.center{text-align:center}
.muted{color:var(--muted)}
.small{font-size:.85rem}
.green{color:var(--green-d)}
.fine{font-size:.82rem;color:var(--muted);line-height:1.55}
.fine-light{font-size:.82rem;color:#C9D6E8}
.eyebrow{text-transform:uppercase;letter-spacing:.09em;font-size:.78rem;font-weight:700;color:var(--green-d);margin-bottom:.6em}
.lead{font-size:1.15rem;color:#33415A;max-width:62ch}
.meta{font-size:.85rem;color:var(--muted)}
.opt{font-weight:400;color:var(--muted);font-size:.85em}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font:inherit;font-weight:700;font-size:.97rem;line-height:1.2;padding:12px 20px;border-radius:999px;border:2px solid transparent;cursor:pointer;text-decoration:none;transition:background .15s,border-color .15s,color .15s,transform .05s;white-space:nowrap}
.btn:active{transform:translateY(1px)}
.btn-green{background:var(--green);color:#fff}.btn-green:hover{background:var(--green-d);color:#fff}
.btn-navy{background:var(--navy);color:#fff}.btn-navy:hover{background:var(--navy-2);color:#fff}
.btn-outline{border-color:var(--navy);color:var(--navy);background:#fff}.btn-outline:hover{background:var(--navy);color:#fff}
.btn-outline-light{border-color:rgba(255,255,255,.7);color:#fff;background:transparent}.btn-outline-light:hover{background:#fff;color:var(--navy)}
.btn-ghost{background:var(--bg-alt);color:var(--navy);border-color:var(--line)}.btn-ghost:hover{background:#E7EDF5;color:var(--navy)}
.btn-sm{padding:7px 14px;font-size:.85rem}
.btn-lg{padding:15px 26px;font-size:1.05rem}
.btn-block{width:100%;margin-top:8px}
.linkish{background:none;border:0;padding:4px;font:inherit;font-size:.85rem;color:var(--green-d);text-decoration:underline;cursor:pointer}
.icon-btn{background:var(--bg-alt);border:1px solid var(--line);width:38px;height:38px;border-radius:50%;cursor:pointer;font-size:1rem;color:var(--navy)}

/* Top bar & header */
.topbar{background:var(--navy-3);color:#C9D6E8;font-size:.8rem}
.topbar-in{display:flex;gap:10px;align-items:center;justify-content:center;padding:7px 20px;flex-wrap:wrap}
.topbar strong{color:#fff}.topbar a{color:#9FE3C1}
.topbar-sep{opacity:.5}
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);backdrop-filter:saturate(1.4) blur(8px);border-bottom:1px solid var(--line)}
.header-in{display:flex;align-items:center;justify-content:space-between;height:70px;gap:16px}
.logo{display:inline-flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy)}
.logo-word{font-weight:800;font-size:1.28rem;letter-spacing:-.02em;color:var(--navy)}
.logo-cd{color:var(--green)}
.logo-tld{font-weight:600;font-size:.78em;color:var(--muted);margin-left:1px}
.logo-light .logo-word{color:#fff}.logo-light .logo-tld{color:#9FB3CC}.logo-light .logo-cd{color:var(--green-l)}
.primary-nav{display:flex;align-items:center;gap:8px}
.primary-nav>ul{display:flex;list-style:none;margin:0;padding:0;gap:2px}
.nav-link{display:inline-flex;align-items:center;gap:4px;padding:10px 12px;border-radius:8px;color:var(--ink);text-decoration:none;font-weight:600;font-size:.95rem;background:none;border:0;font-family:inherit;cursor:pointer}
.nav-link:hover,.nav-link[aria-current],.nav-link[data-active]{color:var(--green-d);background:var(--bg-alt)}
.has-sub{position:relative}
.sub{display:none;position:absolute;top:calc(100% + 6px);left:0;min-width:250px;background:#fff;border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--sh-lg);padding:8px;list-style:none;margin:0;z-index:60;max-height:72vh;overflow:auto}
.has-sub.open .sub{display:block}
.sub a{display:block;padding:8px 12px;border-radius:6px;color:var(--ink);text-decoration:none;font-size:.93rem}
.sub a:hover,.sub a[aria-current]{background:var(--green-bg);color:var(--green-d)}
.nav-cta{margin-left:6px}
.menu-btn{display:none;width:44px;height:44px;border:1px solid var(--line);border-radius:10px;background:#fff;cursor:pointer;position:relative}
.bars,.bars::before,.bars::after{position:absolute;left:11px;width:20px;height:2px;background:var(--navy);border-radius:2px;content:"";transition:transform .2s,top .2s,opacity .2s}
.bars{top:21px}.bars::before{left:0;top:-6px}.bars::after{left:0;top:6px}
.menu-btn[aria-expanded="true"] .bars{background:transparent}
.menu-btn[aria-expanded="true"] .bars::before{top:0;transform:rotate(45deg)}
.menu-btn[aria-expanded="true"] .bars::after{top:0;transform:rotate(-45deg)}
@media (max-width:1060px){
  .menu-btn{display:block}
  .primary-nav{display:none;position:absolute;top:70px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);box-shadow:var(--sh-lg);flex-direction:column;align-items:stretch;padding:12px 20px 20px;max-height:calc(100vh - 70px);overflow:auto}
  .primary-nav.open{display:flex}
  .primary-nav>ul{flex-direction:column}
  .nav-link{width:100%;justify-content:space-between;padding:12px 8px;font-size:1rem}
  .sub{position:static;box-shadow:none;border:0;padding:0 0 8px 10px;min-width:0;max-height:none}
  .nav-cta{margin:12px 0 0}
  .hide-sm{display:none}
}

/* Breadcrumbs */
.crumbs ol{display:flex;flex-wrap:wrap;gap:6px;list-style:none;padding:14px 0 0;margin:0;font-size:.83rem;color:var(--muted)}
.crumbs li+li::before{content:"›";margin-right:6px;color:#9AA6B6}
.crumbs a{color:var(--muted)}

/* Sections */
.section{padding:72px 0}
.section.tight{padding:36px 0}
.section.alt{background:var(--bg-alt)}
.sec-head{max-width:760px;margin-bottom:32px}
.sec-head.center{margin-left:auto;margin-right:auto}
.sec-head p{color:#3D4A60}
@media (max-width:700px){.section{padding:52px 0}}

/* Hero */
.hero{background:radial-gradient(1200px 500px at 85% -10%,#1C4A80 0%,transparent 60%),linear-gradient(160deg,var(--navy) 0%,var(--navy-3) 100%);color:#fff;padding:64px 0 72px}
.hero h1{color:#fff;max-width:18ch}
.hero .lead{color:#D5E1F0}
.hero .eyebrow{color:#9FE3C1}
.hero-grid{display:grid;grid-template-columns:1.25fr .9fr;gap:48px;align-items:center}
.hero-cta{display:flex;gap:12px;flex-wrap:wrap;margin:26px 0 20px}
.trust{list-style:none;padding:0;margin:0 0 20px;display:flex;flex-wrap:wrap;gap:8px 20px;color:#D5E1F0;font-size:.95rem}
.trust li{display:flex;align-items:center;gap:6px}.trust svg{color:var(--green-l)}
.chips-row{display:flex;flex-wrap:wrap;gap:8px;align-items:center}
.muted-light{color:#9FB3CC;font-size:.9rem}
.pill{display:inline-block;padding:6px 14px;border-radius:999px;background:rgba(255,255,255,.1);color:#fff;text-decoration:none;font-size:.88rem;font-weight:600;border:1px solid rgba(255,255,255,.18)}
.pill:hover{background:#fff;color:var(--navy)}
.hero-card{color:var(--ink);padding:26px}
.hc-k{font-size:.8rem;text-transform:uppercase;letter-spacing:.07em;color:var(--muted);font-weight:700;margin:0 0 6px}
.hc-v{font-size:1.5rem;font-weight:800;color:var(--navy);margin:0}
.hc-v.green{color:var(--green-d)}
.hc-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:18px 0 14px}
@media (max-width:900px){.hero-grid{grid-template-columns:1fr}.hero{padding:44px 0 52px}}

.page-hero{background:linear-gradient(180deg,var(--bg-alt),#fff);padding:30px 0 34px;border-bottom:1px solid var(--line-2)}
.page-hero h1{max-width:24ch}
.ph-grid{display:grid;grid-template-columns:1.4fr 1fr;gap:32px}

/* Stats strip */
.stats-strip{background:#fff;border-bottom:1px solid var(--line)}
.stats-in{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;padding:26px 20px}
.stat-v{font-size:1.75rem;font-weight:800;color:var(--navy);margin:0}
.stat-k{font-size:.85rem;color:var(--muted);margin:0}
@media (max-width:800px){.stats-in{grid-template-columns:1fr 1fr}}

/* Cards / grids */
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--sh);padding:24px}
.cards-2,.cards-3,.cards-4{display:grid;gap:20px}
.cards-2{grid-template-columns:repeat(2,1fr)}
.cards-3{grid-template-columns:repeat(3,1fr)}
.cards-4{grid-template-columns:repeat(4,1fr)}
@media (max-width:980px){.cards-3,.cards-4{grid-template-columns:repeat(2,1fr)}}
@media (max-width:640px){.cards-2,.cards-3,.cards-4{grid-template-columns:1fr}}
.feat svg{color:var(--green-d);margin-bottom:10px}
.feat p{color:#3D4A60;margin-bottom:.6em}
.feat a{font-weight:600;font-size:.92rem}
.persona{display:flex;flex-direction:column}
.persona h3{font-family:var(--serif);font-size:1.25rem;font-weight:600}
.persona .btn{margin-top:auto;align-self:flex-start}
.split{display:grid;grid-template-columns:.9fr 1.1fr;gap:48px;align-items:start}
@media (max-width:900px){.split{grid-template-columns:1fr;gap:28px}}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
@media (max-width:640px){.grid-2,.grid-3{grid-template-columns:1fr;gap:0}}
.ticks{list-style:none;padding:0;margin:0 0 1em}
.ticks li{display:flex;gap:8px;align-items:flex-start;margin-bottom:8px}
.ticks svg{color:var(--green);flex:none;margin-top:3px}
.warn-list{padding-left:1.1em}.warn-list li{margin-bottom:8px}
.callout{display:flex;gap:24px;align-items:center;justify-content:space-between;margin-top:32px;padding:26px;border-radius:var(--r);background:var(--green-bg);border:1px solid #BFE6D2}
.callout p{margin:0;color:#24413A}
@media (max-width:760px){.callout{flex-direction:column;align-items:flex-start}}

/* Steps */
.steps{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(3,1fr);gap:20px;counter-reset:s}
.steps li{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px;position:relative}
.steps-lg{grid-template-columns:repeat(2,1fr)}
.step-n{display:inline-grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;margin-bottom:10px}
@media (max-width:900px){.steps,.steps-lg{grid-template-columns:1fr}}
.mini-steps li{margin-bottom:10px}
.flow-2{display:grid;grid-template-columns:1fr 1fr;gap:20px}
@media (max-width:760px){.flow-2{grid-template-columns:1fr}}
.flow{counter-reset:f;list-style:none;padding:0;margin:0}
.flow li{counter-increment:f;position:relative;padding:0 0 16px 44px;border-left:2px dashed var(--line);margin-left:15px}
.flow li:last-child{border-color:transparent;padding-bottom:0}
.flow li::before{content:counter(f);position:absolute;left:-16px;top:-2px;width:30px;height:30px;border-radius:50%;background:var(--green);color:#fff;font-weight:800;display:grid;place-items:center;font-size:.9rem}

/* Forms */
.field{margin-bottom:18px}
.label{display:block;font-weight:700;color:var(--navy);margin:0 0 8px;font-size:.95rem}
input[type=text],input[type=email],input[type=tel],input[type=date],input[type=month],input[type=search],input:not([type]),select,textarea{width:100%;font:inherit;font-size:1rem;padding:12px 14px;border:1.5px solid #C7D2DF;border-radius:var(--r-sm);background:#fff;color:var(--ink);min-height:48px}
textarea{min-height:140px;resize:vertical}
input:focus,select:focus,textarea:focus{border-color:var(--green);outline:3px solid rgba(43,182,115,.25);outline-offset:0}
[aria-invalid="true"]{border-color:var(--err)!important}
.err{color:var(--err);font-size:.85rem;margin:6px 0 0;min-height:0}
.err:empty{display:none}
.form-err{font-weight:600}
.chips{display:flex;flex-wrap:wrap;gap:8px}
.chip{position:relative}
.chip input{position:absolute;opacity:0;inset:0;cursor:pointer}
.chip span{display:inline-block;padding:9px 14px;border:1.5px solid #C7D2DF;border-radius:999px;font-size:.92rem;font-weight:600;color:var(--ink);background:#fff;cursor:pointer;user-select:none}
.chip input:checked+span{background:var(--navy);border-color:var(--navy);color:#fff}
.chip input:focus-visible+span{outline:3px solid var(--green-l);outline-offset:2px}
.check{display:flex;gap:10px;align-items:flex-start;font-size:.86rem;color:#3D4A60;line-height:1.5;cursor:pointer;margin-bottom:10px}
.check input{width:20px;height:20px;flex:none;margin-top:2px;accent-color:var(--green)}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.lead-form{padding:28px}
.lf-head h2{font-size:1.4rem;margin-bottom:4px}
.steps-ind{display:flex;list-style:none;padding:0;margin:16px 0 22px;gap:6px}
.steps-ind li{flex:1;font-size:.78rem;font-weight:700;color:var(--muted);padding-top:8px;border-top:4px solid var(--line)}
.steps-ind li.on{color:var(--navy);border-color:var(--green)}
.lf-step{border:0;padding:0;margin:0;min-width:0}
.lf-nav{display:flex;justify-content:space-between;gap:12px;margin-top:8px}
.consent{background:var(--bg-alt);border-radius:var(--r-sm);padding:14px;margin:4px 0 14px}
.consent .fine{margin:0}
.alert-form .btn{margin-top:6px}
form[aria-busy="true"] button[type=submit]{opacity:.6;pointer-events:none}

/* Rate table */
.rt{margin-bottom:12px}
.rt-title{margin-bottom:14px}
.filters{display:flex;flex-wrap:wrap;gap:12px;align-items:flex-end;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:16px;margin-bottom:12px}
.filters label{display:flex;flex-direction:column;gap:5px;font-size:.78rem;font-weight:700;color:var(--muted);text-transform:uppercase;letter-spacing:.04em;flex:1 1 160px}
.filters select{min-height:42px;padding:8px 10px;font-size:.93rem;text-transform:none;letter-spacing:0;font-weight:500}
.filters .btn{flex:0 0 auto;min-height:42px}
.rt-status{font-size:.88rem;color:var(--muted);margin:0 0 10px}
.table-scroll{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r);background:#fff}
.rate-table{width:100%;border-collapse:collapse;font-size:.93rem}
.rate-table th{background:var(--navy);color:#fff;text-align:left;font-weight:700;padding:12px 14px;font-size:.8rem;text-transform:uppercase;letter-spacing:.04em;white-space:nowrap}
.rate-table td{padding:14px;border-top:1px solid var(--line-2);vertical-align:middle}
.rate-table tbody tr[data-row]:hover{background:#FAFCFE}
.rate-table tr.is-selected{background:var(--green-bg)!important}
.inst{display:block;font-weight:700;color:var(--navy);margin-bottom:4px;min-width:170px;max-width:260px}
.tag{display:inline-block;font-size:.7rem;font-weight:700;padding:2px 8px;border-radius:999px;background:var(--bg-alt);color:var(--muted);margin:0 4px 2px 0;border:1px solid var(--line)}
.tag-credit_union{background:#EEF2FF;color:#3730A3;border-color:#D9DEFF}
.tag-brokerage{background:#FFF7E6;color:#8A5A00;border-color:#F6E2B8}
.tag-cat{background:var(--green-bg);color:var(--green-d);border-color:#BFE6D2}
.apy{font-size:1.25rem;font-weight:800;color:var(--green-d);white-space:nowrap}
.apy small{font-size:.65rem;font-weight:700;color:var(--muted);text-transform:uppercase}
.pen{min-width:140px;max-width:200px;font-size:.85rem}
.src{font-size:.82rem;min-width:130px}
.cmp-lbl{display:inline-flex;gap:6px;align-items:center;font-size:.85rem;cursor:pointer;white-space:nowrap}
.cmp-lbl input{width:18px;height:18px;accent-color:var(--green)}
.act{white-space:nowrap;text-align:left;width:1%}
.act-sub{display:flex;gap:12px;align-items:center;margin-top:8px}
.act .linkish{padding:0}
.details-row td{background:var(--bg-alt);padding:12px 16px}
.dl-inline{display:flex;flex-wrap:wrap;gap:10px 28px;margin:0;font-size:.88rem}
.dl-inline dt{font-weight:700;color:var(--navy);font-size:.75rem;text-transform:uppercase;letter-spacing:.04em}
.dl-inline dd{margin:0}
.rt-empty{padding:18px;background:#FFF8EC;border:1px solid #F3DDB3;border-radius:var(--r-sm);margin-top:10px}
.show-more{margin:14px auto 0;display:flex}
.compare-bar{position:sticky;bottom:12px;z-index:30;display:flex;align-items:center;gap:14px;justify-content:center;background:var(--navy);color:#fff;padding:10px 16px;border-radius:999px;box-shadow:var(--sh-lg);width:max-content;max-width:100%;margin:14px auto 0}
.compare-bar .linkish{color:#9FE3C1}
@media (max-width:900px){
  .rt .table-scroll{border:0;background:transparent;overflow:visible}
  .rate-table thead{display:none}
  .rate-table,.rate-table tbody,.rate-table tr,.rate-table td{display:block;width:100%}
  .rate-table tr[data-row]{background:#fff;border:1px solid var(--line);border-radius:var(--r);margin-bottom:12px;padding:6px 0;box-shadow:var(--sh);display:grid;grid-template-columns:1fr 1fr}
  .rate-table tr[data-row][hidden]{display:none}
  .rate-table td{border:0;padding:8px 16px}
  .rate-table td::before{content:attr(data-label);display:block;font-size:.7rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em;color:var(--muted);margin-bottom:2px}
  .rate-table td[data-label="Institution"]{grid-column:1/-1;border-bottom:1px solid var(--line-2);padding-bottom:10px}
  .rate-table td[data-label="Institution"]::before,.rate-table td.act::before{display:none}
  .rate-table td.pen{grid-column:1/-1;max-width:none;white-space:normal}
  .rate-table td.src{min-width:0}
  .rate-table td.act{grid-column:1/-1;text-align:left;display:flex;gap:14px;align-items:center;flex-wrap:wrap;width:auto;padding-top:10px;border-top:1px solid var(--line-2)}
  .rate-table td.act .act-sub{margin-top:0}
  .details-row{margin:-14px 0 12px}
  .details-row td{border-radius:0 0 var(--r) var(--r)}
  .inst{max-width:none}
}

/* Simple tables */
.simple-table{width:100%;border-collapse:collapse;background:#fff;font-size:.95rem}
.simple-table th,.simple-table td{padding:12px 14px;border-bottom:1px solid var(--line-2);text-align:left}
.simple-table thead th{background:var(--navy);color:#fff;font-size:.8rem;text-transform:uppercase;letter-spacing:.04em}
.simple-table tfoot th,.simple-table tfoot td{font-weight:800;color:var(--navy);background:var(--bg-alt)}
.simple-table .apy{font-size:1.05rem}

/* Term navigation & cards */
.term-nav{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:70px;z-index:20}
.term-nav ul{display:flex;gap:4px;list-style:none;margin:0 auto;padding:10px 20px;max-width:var(--w);overflow-x:auto;scrollbar-width:thin}
.term-nav a{display:block;padding:7px 14px;border-radius:999px;text-decoration:none;color:var(--ink);font-weight:600;font-size:.88rem;white-space:nowrap;border:1px solid var(--line)}
.term-nav a:hover{border-color:var(--green)}
.term-nav a[aria-current]{background:var(--navy);color:#fff;border-color:var(--navy)}
.term-cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(170px,1fr));gap:12px}
.term-card{display:flex;flex-direction:column;padding:16px;border:1px solid var(--line);border-radius:var(--r);text-decoration:none;color:var(--ink);background:#fff;box-shadow:var(--sh);transition:border-color .15s,transform .15s}
.term-card:hover{border-color:var(--green);transform:translateY(-2px)}
.tc-term{font-weight:700;color:var(--navy)}
.tc-apy{font-size:1.5rem;font-weight:800;color:var(--green-d)}
.tc-apy small{font-size:.6rem;color:var(--muted);text-transform:uppercase}
.tc-inst{font-size:.82rem;color:var(--muted)}
.rank-list{list-style:none;padding:0;margin:0;display:grid;gap:10px}
.rank-list li{display:flex;gap:16px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:14px 18px}
.rk{flex:none;width:34px;height:34px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:800}
.rank-list li>div{flex:1}
.rk-apy{font-size:1.35rem;font-weight:800;color:var(--green-d)}

/* Planner & tools */
.planner,.ladder{padding:24px}
.tabs{display:flex;gap:4px;background:var(--bg-alt);padding:4px;border-radius:999px;margin-bottom:20px;width:max-content;max-width:100%}
.tabs button{border:0;background:transparent;font:inherit;font-weight:700;font-size:.9rem;padding:9px 16px;border-radius:999px;cursor:pointer;color:var(--muted)}
.tabs button[aria-selected="true"]{background:#fff;color:var(--navy);box-shadow:var(--sh)}
.seg{display:flex;flex-wrap:wrap;gap:6px}
.seg-btn{border:1.5px solid #C7D2DF;background:#fff;border-radius:8px;padding:8px 12px;font:inherit;font-weight:700;font-size:.88rem;cursor:pointer;color:var(--ink)}
.seg-btn[aria-pressed="true"]{background:var(--navy);border-color:var(--navy);color:#fff}
.seg-sm .seg-btn{padding:6px 10px;font-size:.82rem}
.pl-out{background:var(--bg-alt);border-radius:var(--r-sm);padding:18px;margin-bottom:16px}
.pl-k{font-size:.78rem;text-transform:uppercase;letter-spacing:.06em;font-weight:700;color:var(--muted);margin:0 0 4px}
.pl-v{font-size:1.6rem;font-weight:800;color:var(--navy);margin:0}
.pl-earn{display:grid;grid-template-columns:1fr 1fr;gap:16px;background:var(--green-bg);border-radius:var(--r-sm);padding:18px;margin-bottom:16px}
.pl-earn .pl-v{color:var(--green-d)}
.tl-bar{height:10px;background:var(--line-2);border-radius:999px;overflow:hidden;margin:6px 0}
.tl-fill{display:block;height:100%;width:0;background:linear-gradient(90deg,var(--green-l),var(--green-d));border-radius:999px;transition:width .4s}
.tl-labels{display:flex;justify-content:space-between;font-size:.78rem;color:var(--muted);font-weight:600;margin-bottom:12px}
.timeline{margin-bottom:12px}

/* FAQ */
.faq-search{margin-bottom:20px}
.faq-search input{padding-left:16px}
.faq-group{margin:28px 0 10px;font-size:1rem;text-transform:uppercase;letter-spacing:.07em;color:var(--green-d)}
.faq-item{background:#fff;border:1px solid var(--line);border-radius:var(--r-sm);margin-bottom:8px}
.faq-item summary{cursor:pointer;padding:16px 48px 16px 18px;font-weight:700;color:var(--navy);list-style:none;position:relative}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";position:absolute;right:18px;top:12px;font-size:1.4rem;color:var(--green-d);font-weight:400}
.faq-item[open] summary::after{content:"–"}
.faq-a{padding:0 18px 16px;color:#33415A}
.faq-a p:last-child{margin:0}

/* CTA band, related */
.cta-band{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 100%);color:#fff;padding:56px 0}
.cta-in{display:flex;justify-content:space-between;align-items:center;gap:32px}
.cta-band h2{color:#fff;margin-bottom:6px}
.cta-band p{color:#D5E1F0;margin:0;max-width:56ch}
.cta-act{display:flex;flex-direction:column;align-items:flex-start;gap:8px}
@media (max-width:820px){.cta-in{flex-direction:column;align-items:flex-start}}
.related{max-width:var(--w);margin:0 auto;padding:48px 20px}
.related h2{font-size:1.3rem}
.related-grid{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:12px}
.related-grid a{display:flex;flex-direction:column;padding:16px;border:1px solid var(--line);border-radius:var(--r);text-decoration:none;color:var(--navy);background:#fff;height:100%}
.related-grid a:hover{border-color:var(--green)}
.related-grid span{font-size:.85rem;color:var(--muted)}
.guide-grid{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
@media (max-width:900px){.guide-grid{grid-template-columns:1fr 1fr}}@media (max-width:600px){.guide-grid{grid-template-columns:1fr}}
.guide{display:flex;flex-direction:column;height:100%;text-decoration:none;color:var(--ink)}
.guide:hover{border-color:var(--green)}
.guide p{color:var(--muted)}
.more{margin-top:auto;font-weight:700;color:var(--green-d);display:flex;align-items:center;gap:6px}

/* Articles & legal */
.art-grid{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:48px;padding-top:36px;padding-bottom:64px}
@media (max-width:960px){.art-grid{grid-template-columns:minmax(0,1fr)}.art-side{order:-1}.art-side>*{position:static}}
.prose{max-width:72ch;font-size:1.05rem}
.prose h2{margin-top:1.8em}
.prose h3{margin-top:1.4em}
.prose li{margin-bottom:.4em}
.prose .card ul{padding-left:1.1em}
.prose-wide{max-width:900px}
.prose-wide h2{margin-top:1.6em}
.prose-wide h2:first-child{margin-top:0}
.art-side{display:flex;flex-direction:column;gap:16px}
.art-side>*{position:sticky;top:96px}
.art-side>*+*{position:static}
.toc-h,.side-cta-h{font-weight:800;color:var(--navy);margin-bottom:8px}
.toc ol{margin:0;padding-left:1.2em;font-size:.93rem}
.toc li{margin-bottom:6px}
.legal{padding:36px 0 72px}
.legal h2{font-size:1.3rem}
.legal h3{font-size:1.05rem}

/* Thank you */
.ty-icon{width:72px;height:72px;border-radius:50%;background:var(--green-bg);color:var(--green-d);display:grid;place-items:center;margin:0 auto 18px}
.ty-icon svg{width:36px;height:36px}
.ty .lead{margin:0 auto 24px}
.ty-next{display:flex;gap:12px;justify-content:center;flex-wrap:wrap;margin-bottom:24px}

/* Compare dialog */
.cmp-dialog{border:0;border-radius:16px;padding:0;width:min(960px,94vw);max-height:90vh;box-shadow:var(--sh-lg)}
.cmp-dialog::backdrop{background:rgba(8,25,47,.55)}
.cmp-head{display:flex;justify-content:space-between;align-items:center;padding:18px 22px;border-bottom:1px solid var(--line);position:sticky;top:0;background:#fff}
.cmp-head h2{margin:0;font-size:1.3rem}
.cmp-body{padding:20px 22px;overflow:auto}
.cmp-dialog>.fine{padding:0 22px 18px;margin:0}
.cmp-amt{display:flex;gap:10px;align-items:center;margin-bottom:16px;flex-wrap:wrap}
.cmp-amt input{max-width:180px}
.cmp-grid{display:grid;gap:12px}
.cmp-grid table{width:100%;border-collapse:collapse}
.cmp-grid th,.cmp-grid td{padding:10px 12px;border-bottom:1px solid var(--line-2);text-align:left;vertical-align:top;font-size:.93rem}
.cmp-grid th{color:var(--muted);font-size:.78rem;text-transform:uppercase;letter-spacing:.04em;width:150px}
.cmp-grid .best{color:var(--green-d);font-weight:800}

/* Footer */
.site-footer{background:var(--navy-3);color:#B9C7DA;padding:56px 0 28px;font-size:.92rem}
.site-footer a{color:#DCE6F2;text-decoration:none}
.site-footer a:hover{color:#fff;text-decoration:underline}
.f-top{display:grid;grid-template-columns:1.6fr repeat(4,1fr);gap:32px}
.f-brand p{margin-top:14px;max-width:40ch}
.f-h{color:#fff;font-size:.82rem;text-transform:uppercase;letter-spacing:.08em;margin-bottom:12px}
.f-col ul{list-style:none;padding:0;margin:0}
.f-col li{margin-bottom:8px}
.f-disc{border-top:1px solid rgba(255,255,255,.12);margin-top:36px;padding-top:26px}
.f-disc ul{padding-left:1.1em;font-size:.84rem;line-height:1.6;margin:0}
.f-disc li{margin-bottom:6px}
.f-disc a{text-decoration:underline}
.f-bottom{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;border-top:1px solid rgba(255,255,255,.12);margin-top:26px;padding-top:20px;font-size:.84rem}
.f-bottom nav{display:flex;flex-wrap:wrap;gap:16px}
@media (max-width:980px){.f-top{grid-template-columns:1fr 1fr}.f-brand{grid-column:1/-1}}
@media (max-width:520px){.f-top{grid-template-columns:1fr}}

/* Cookie banner */
.cookie{position:fixed;left:16px;right:16px;bottom:16px;z-index:90;max-width:560px;margin-left:auto;background:#fff;border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--sh-lg);padding:16px 18px;display:flex;gap:14px;align-items:center}
.cookie[hidden]{display:none}
.cookie p{margin:0;font-size:.88rem}
.cookie-btns{display:flex;gap:8px;flex:none}
@media (max-width:560px){.cookie{flex-direction:column;align-items:stretch}.cookie-btns{justify-content:flex-end}}

@media print{.site-header,.topbar,.site-footer,.cta-band,.filters,.cookie,.compare-bar,.lead-form{display:none!important}}
.steps+p,.flow-2+p{margin-top:22px}
@media (max-width:600px){.simple-table th,.simple-table td{padding:10px 8px;font-size:.88rem}.split>*{min-width:0}}
.ref{display:block;font-size:.74rem;color:var(--muted);margin:-2px 0 6px;font-variant-numeric:tabular-nums}
.reveal-note{display:flex;gap:10px;align-items:flex-start;background:var(--green-bg);border:1px solid #BFE6D2;border-radius:var(--r-sm);padding:12px 14px;margin-bottom:18px;font-size:.92rem;color:#24413A}
.reveal-note svg{color:var(--green-d);flex:none;margin-top:2px}
.th-help{display:inline-grid;place-items:center;width:16px;height:16px;border-radius:50%;background:rgba(255,255,255,.2);color:#fff;font-size:.65rem;text-decoration:none;margin-left:4px;vertical-align:1px}
.th-help:hover{background:#fff;color:var(--navy)}