:root {
    --bg:      #f5f3ef;
    --surface: #ffffff;
    --ink:     #1a1714;
    --ink2:    #2e2b27;
    --muted:   #72706c;
    --border:  rgba(0,0,0,.09);
    --border-strong: rgba(0,0,0,.15);
    --amber:   #e8620a;
    --amber-lt:#f97316;
    --amber-bg:rgba(232,98,10,.07);
    --amber-border:rgba(232,98,10,.2);
    --indigo:  #4f46e5;
    --indigo-lt:#6366f1;
    --indigo-bg:rgba(79,70,229,.06);
    --indigo-border:rgba(79,70,229,.18);
    --green:   #16a34a;
    --green-bg:rgba(22,163,74,.07);
    --green-border:rgba(22,163,74,.2);
    --red:     #dc2626;
    --shadow:  0 1px 3px rgba(0,0,0,.06), 0 4px 16px rgba(0,0,0,.06);
    --shadow-md:0 2px 6px rgba(0,0,0,.07), 0 8px 28px rgba(0,0,0,.08);
  }
  * { box-sizing: border-box; margin: 0; padding: 0; }
  html { scroll-behavior: smooth; }
  body { background: var(--bg); color: var(--ink); font-family: 'Archivo', sans-serif; line-height: 1.7; }

  nav { background: var(--surface); border-bottom: 1px solid var(--border); padding: 0 32px; display: flex; align-items: center; gap: 32px; height: 56px; position: sticky; top: 0; z-index: 100; box-shadow: 0 1px 0 rgba(0,0,0,.06); }
  .nav-logo { font-family: 'Archivo', sans-serif; font-weight: 900; font-size: 18px; text-decoration: none; color: var(--ink); }
  .nav-logo span { color: var(--amber); }
  .nav-links { display: flex; gap: 24px; margin-left: auto; }
  .nav-links a { color: var(--muted); text-decoration: none; font-size: 13px; transition: color .15s; font-weight: 500; }
  .nav-links a:hover { color: var(--ink); }
  .nav-cta { background: var(--amber); color: #fff; padding: 8px 18px; font-size: 12px; font-weight: 700; text-decoration: none; font-family: 'Archivo', sans-serif; letter-spacing: .03em; transition: background .15s; }
  .nav-cta:hover { background: var(--amber-lt); }

  .hero { background: var(--surface); border-bottom: 1px solid var(--border); padding: 80px 32px 64px; }
  .hero-inner { max-width: 800px; margin: 0 auto; }
  .hero-tag { font-family: 'IBM Plex Mono', monospace; font-size: 10px; letter-spacing: .2em; text-transform: uppercase; color: var(--amber); margin-bottom: 20px; display: flex; align-items: center; gap: 10px; }
  .hero-tag::before { content: ''; display: block; width: 28px; height: 2px; background: var(--amber); }
  .hero h1 { font-family: 'DM Serif Display', serif; font-size: clamp(34px, 5.5vw, 58px); line-height: 1.1; color: var(--ink); margin-bottom: 24px; }
  .hero h1 em { font-style: italic; color: var(--amber); }
  .hero-desc { font-size: 18px; color: var(--muted); max-width: 640px; margin-bottom: 32px; line-height: 1.85; }
  .hero-meta { display: flex; gap: 0; flex-wrap: wrap; border: 1px solid var(--border); background: var(--bg); }
  .hero-meta-item { font-family: 'IBM Plex Mono', monospace; font-size: 10px; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); padding: 12px 24px; border-right: 1px solid var(--border); }
  .hero-meta-item:last-child { border-right: none; }
  .hero-meta-item strong { color: var(--ink); display: block; font-size: 11px; margin-top: 2px; }

  .content-wrap { max-width: 800px; margin: 0 auto; padding: 64px 32px; }

  .toc { background: var(--surface); border: 1px solid var(--border); border-left: 4px solid var(--amber); padding: 28px 32px; margin-bottom: 56px; box-shadow: var(--shadow); }
  .toc-title { font-family: 'IBM Plex Mono', monospace; font-size: 9px; letter-spacing: .22em; text-transform: uppercase; color: var(--amber); margin-bottom: 18px; }
  .toc ol { padding-left: 20px; }
  .toc li { margin-bottom: 10px; }
  .toc a { color: var(--muted); text-decoration: none; font-size: 14px; transition: color .15s; font-weight: 500; }
  .toc a:hover { color: var(--amber); }

  .section { margin-bottom: 72px; }
  .section h2 { font-family: 'DM Serif Display', serif; font-size: clamp(24px, 4vw, 34px); color: var(--ink); margin-bottom: 20px; line-height: 1.2; padding-bottom: 16px; border-bottom: 2px solid var(--bg); }
  .section h3 { font-family: 'DM Serif Display', serif; font-size: 21px; color: var(--ink); margin: 36px 0 14px; }
  .section p { color: #3d3a36; font-size: 16px; margin-bottom: 18px; line-height: 1.85; }
  .section ul, .section ol { padding-left: 24px; margin-bottom: 18px; }
  .section li { color: #3d3a36; font-size: 16px; margin-bottom: 12px; line-height: 1.75; }
  .section strong { color: var(--ink); }
  .section a { color: var(--amber); text-decoration: none; border-bottom: 1px solid var(--amber-border); }
  .section a:hover { border-bottom-color: var(--amber); }

  .callout { background: var(--amber-bg); border: 1px solid var(--amber-border); border-left: 4px solid var(--amber); padding: 22px 26px; margin: 28px 0; border-radius: 2px; }
  .callout-title { font-family: 'IBM Plex Mono', monospace; font-size: 9px; letter-spacing: .18em; text-transform: uppercase; color: var(--amber); margin-bottom: 10px; font-weight: 600; }
  .callout p { color: #3d3a36; font-size: 15px; margin: 0; line-height: 1.75; }
  .callout-green { background: var(--green-bg); border-color: var(--green-border); border-left-color: var(--green); }
  .callout-green .callout-title { color: var(--green); }
  .callout-orange { background: var(--amber-bg); border-color: var(--amber-border); border-left-color: var(--amber); }
  .callout-orange .callout-title { color: var(--amber); }
  .callout-indigo { background: var(--indigo-bg); border-color: var(--indigo-border); border-left-color: var(--indigo); }
  .callout-indigo .callout-title { color: var(--indigo); }

  .deal-box { background: var(--surface); border: 1px solid var(--border); padding: 28px 32px; margin: 32px 0; box-shadow: var(--shadow-md); }
  .deal-box-title { font-family: 'IBM Plex Mono', monospace; font-size: 9px; letter-spacing: .18em; text-transform: uppercase; color: var(--amber); margin-bottom: 24px; padding-bottom: 14px; border-bottom: 1px solid var(--border); }
  .deal-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
  .deal-item { background: var(--bg); padding: 14px 16px; border: 1px solid var(--border); }
  .deal-label { font-family: 'IBM Plex Mono', monospace; font-size: 9px; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); margin-bottom: 6px; }
  .deal-value { font-family: 'IBM Plex Mono', monospace; font-size: 20px; color: var(--ink); font-weight: 600; }
  .deal-value.highlight { color: var(--amber); }
  .deal-vs { background: var(--bg); border: 1px solid var(--border); padding: 20px 24px; margin-top: 20px; display: flex; gap: 32px; align-items: center; flex-wrap: wrap; }
  .deal-vs-label { font-family: 'IBM Plex Mono', monospace; font-size: 9px; text-transform: uppercase; letter-spacing: .1em; color: var(--muted); margin-bottom: 6px; }
  .deal-vs-val { font-size: 16px; font-weight: 700; color: var(--ink); }
  .vs-divider { color: var(--border-strong); font-size: 20px; }

  .compare-table { width: 100%; border-collapse: collapse; margin: 24px 0; background: var(--surface); box-shadow: var(--shadow-md); font-family: 'Archivo', sans-serif; }
  .compare-table th { font-family: 'IBM Plex Mono', monospace; font-size: 9px; letter-spacing: .14em; text-transform: uppercase; color: var(--muted); padding: 13px 18px; text-align: left; border-bottom: 2px solid var(--border); background: var(--bg); font-weight: 600; }
  .compare-table td { padding: 14px 18px; border-bottom: 1px solid var(--border); color: #3d3a36; font-size: 14px; line-height: 1.55; vertical-align: middle; }
  .compare-table tr:last-child td { border-bottom: none; }
  .compare-table tr:hover td { background: #faf9f6; }
  .compare-table .good { color: var(--green); font-weight: 700; font-family: 'IBM Plex Mono', monospace; font-size: 13px; }
  .compare-table .bad { color: var(--red); font-family: 'IBM Plex Mono', monospace; font-size: 13px; }
  .compare-table .col-head { color: var(--ink); font-weight: 600; }

  .cta-section { background: var(--ink); border: none; padding: 56px 48px; margin-top: 72px; text-align: center; }
  .cta-section h2 { font-family: 'DM Serif Display', serif; font-size: 34px; color: #fff; margin-bottom: 14px; }
  .cta-section p { color: rgba(255,255,255,.5); max-width: 480px; margin: 0 auto 28px; font-size: 15px; line-height: 1.75; }
  .cta-btn { display: inline-block; background: var(--amber); color: #fff; font-family: 'Archivo', sans-serif; font-weight: 700; font-size: 14px; padding: 15px 38px; text-decoration: none; letter-spacing: .03em; transition: background .15s; }
  .cta-btn:hover { background: var(--amber-lt); }
  .cta-secondary { display: inline-block; margin-left: 20px; color: rgba(255,255,255,.4); font-size: 13px; text-decoration: none; transition: color .15s; }
  .cta-secondary:hover { color: rgba(255,255,255,.8); }

  .related { margin-top: 80px; padding-top: 40px; border-top: 2px solid var(--border); }
  .related-title { font-family: 'IBM Plex Mono', monospace; font-size: 9px; letter-spacing: .22em; text-transform: uppercase; color: var(--muted); margin-bottom: 24px; }
  .related-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 16px; }
  .related-card { background: var(--surface); border: 1px solid var(--border); padding: 22px; text-decoration: none; display: block; transition: border-color .2s, box-shadow .2s; box-shadow: var(--shadow); }
  .related-card:hover { border-color: var(--amber); box-shadow: var(--shadow-md); }
  .related-tag { font-family: 'IBM Plex Mono', monospace; font-size: 8px; letter-spacing: .18em; text-transform: uppercase; color: var(--amber); margin-bottom: 10px; }
  .related-card h3 { font-family: 'DM Serif Display', serif; font-size: 17px; color: var(--ink); line-height: 1.3; }

  footer { background: var(--ink2); border-top: none; padding: 40px 32px; text-align: center; margin-top: 80px; }
  footer p { color: rgba(255,255,255,.3); font-size: 12px; font-family: 'IBM Plex Mono', monospace; }
  footer a { color: var(--amber); text-decoration: none; }

  @media(max-width: 640px) {
    .hero { padding: 48px 20px 40px; }
    .content-wrap { padding: 40px 20px; }
    .deal-grid { grid-template-columns: 1fr; }
    .deal-vs { flex-direction: column; gap: 16px; }
    nav { padding: 0 16px; gap: 16px; }
    .nav-links { display: none; }
    .hero-meta { flex-direction: column; }
    .hero-meta-item { border-right: none; border-bottom: 1px solid var(--border); }
    .hero-meta-item:last-child { border-bottom: none; }
    .cta-section { padding: 40px 24px; }
    .cta-secondary { display: block; margin: 14px auto 0; }
  }

  /* ── Blog additions ─────────────────────────────────────────── */
  .nav-links a.active { color: var(--ink); font-weight: 700; }
  .crumbs { font-family: 'IBM Plex Mono', monospace; font-size: 10px; letter-spacing: .08em; text-transform: uppercase; color: var(--muted); margin-bottom: 18px; }
  .crumbs a { color: var(--muted); text-decoration: none; }
  .crumbs a:hover { color: var(--amber); }
  .crumbs span { margin: 0 8px; opacity: .5; }

  /* Rate tiles */
  .rate-tiles { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; border: 1px solid var(--border); background: var(--surface); box-shadow: var(--shadow); margin: 28px 0 20px; }
  .rate-tile { padding: 20px 22px; border-right: 1px solid var(--border); }
  .rate-tile:last-child { border-right: none; }
  .rate-tile-label { font-size: 13px; color: var(--muted); line-height: 1.4; margin-bottom: 8px; }
  .rate-tile-value { font-family: 'Archivo', sans-serif; font-size: 34px; font-weight: 600; color: var(--ink); line-height: 1.1; }
  .rate-tile-sub { font-family: 'IBM Plex Mono', monospace; font-size: 11px; color: var(--muted); margin-top: 8px; }
  .rate-key { display: inline-block; width: 14px; height: 3px; border-radius: 2px; vertical-align: middle; margin-right: 6px; }

  /* Charts */
  .rchart { position: relative; background: var(--surface); border: 1px solid var(--border); box-shadow: var(--shadow); padding: 22px 22px 14px; margin: 28px 0; outline: none; }
  .rchart:focus-visible { box-shadow: 0 0 0 2px var(--amber); }
  .rchart-title { font-family: 'Archivo', sans-serif; font-weight: 700; font-size: 16px; color: var(--ink); line-height: 1.35; }
  .rchart-sub { font-size: 13px; color: var(--muted); margin: 4px 0 12px; line-height: 1.5; }
  .rchart-legend { display: flex; flex-wrap: wrap; gap: 6px 18px; font-size: 12px; color: var(--ink2); margin-bottom: 10px; }
  .rchart-legend .shade-key { display: inline-block; width: 14px; height: 12px; background: rgba(26,23,20,.07); vertical-align: middle; margin-right: 6px; }
  .rchart-plot { width: 100%; min-height: 120px; }
  .rchart-plot svg { display: block; overflow: visible; }
  .rchart-axis { font-family: 'IBM Plex Mono', monospace; font-size: 10px; fill: var(--muted); font-variant-numeric: tabular-nums; }
  .rchart-endlabel { font-family: 'IBM Plex Mono', monospace; font-size: 11px; font-weight: 600; fill: var(--ink); }
  .rchart-note { font-family: 'IBM Plex Mono', monospace; font-size: 10px; fill: var(--ink2); }
  .rchart-source { font-family: 'IBM Plex Mono', monospace; font-size: 10px; color: var(--muted); margin-top: 10px; line-height: 1.6; }
  .rchart-source a { color: var(--muted); }
  .rchart-tip { display: none; position: absolute; z-index: 5; pointer-events: none; background: var(--ink); color: #fff; padding: 9px 12px; font-size: 12px; line-height: 1.5; box-shadow: var(--shadow-md); max-width: 300px; }
  .rchart-tip-title { font-family: 'IBM Plex Mono', monospace; font-size: 10px; color: rgba(255,255,255,.65); margin-bottom: 4px; }
  .rchart-tip-row { display: flex; align-items: center; gap: 8px; white-space: nowrap; }
  .rchart-tip-row strong { font-weight: 700; color: #fff; min-width: 48px; }
  .rchart-tip-row span:last-child { color: rgba(255,255,255,.7); white-space: normal; }
  .rchart-tip-key { width: 12px; height: 2px; border-radius: 1px; flex-shrink: 0; }
  .rchart-table { margin-top: 8px; font-size: 12px; }
  .rchart-table summary { cursor: pointer; color: var(--muted); font-family: 'IBM Plex Mono', monospace; font-size: 10px; letter-spacing: .06em; text-transform: uppercase; }
  .rchart-table table { width: 100%; border-collapse: collapse; margin-top: 8px; font-variant-numeric: tabular-nums; }
  .rchart-table th, .rchart-table td { text-align: left; padding: 5px 8px; border-bottom: 1px solid var(--border); }
  .rchart-table .scroll { max-height: 260px; overflow-y: auto; }

  /* Five terms */
  .terms-grid { display: grid; grid-template-columns: 1fr; gap: 12px; margin: 24px 0; counter-reset: term; }
  .term { background: var(--surface); border: 1px solid var(--border); padding: 18px 22px 16px 64px; position: relative; box-shadow: var(--shadow); }
  .term::before { counter-increment: term; content: counter(term); position: absolute; left: 20px; top: 16px; width: 30px; height: 30px; border-radius: 50%; background: var(--amber-bg); border: 1px solid var(--amber-border); color: var(--amber); font-family: 'IBM Plex Mono', monospace; font-weight: 600; font-size: 13px; display: flex; align-items: center; justify-content: center; }
  .term h3 { font-family: 'Archivo', sans-serif !important; font-size: 16px !important; font-weight: 700; margin: 0 0 6px !important; color: var(--ink); }
  .term p { font-size: 15px !important; margin: 0 !important; }
  .term .term-typical { font-family: 'IBM Plex Mono', monospace; font-size: 11px; color: var(--amber); margin-top: 8px; display: block; }

  /* Hub */
  .area-group { margin-bottom: 44px; }
  .area-group h2 { font-family: 'DM Serif Display', serif; font-size: 28px; margin-bottom: 16px; }
  .area-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(230px, 1fr)); gap: 12px; }
  .area-card { background: var(--surface); border: 1px solid var(--border); padding: 16px 18px; text-decoration: none; color: var(--ink); box-shadow: var(--shadow); transition: border-color .15s, box-shadow .15s; display: block; }
  .area-card:hover { border-color: var(--amber); box-shadow: var(--shadow-md); }
  .area-card strong { display: block; font-size: 16px; margin-bottom: 4px; }
  .area-card span { font-family: 'IBM Plex Mono', monospace; font-size: 10px; color: var(--muted); letter-spacing: .04em; }
  .feature-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 16px; margin-bottom: 56px; }
  .feature-card { background: var(--ink); color: #fff; padding: 26px; text-decoration: none; display: block; box-shadow: var(--shadow-md); transition: transform .15s; }
  .feature-card:hover { transform: translateY(-2px); }
  .feature-card .related-tag { color: var(--amber-lt); }
  .feature-card h3 { font-family: 'DM Serif Display', serif; font-size: 22px; line-height: 1.25; margin: 6px 0 10px; color: #fff; }
  .feature-card p { color: rgba(255,255,255,.6); font-size: 14px; line-height: 1.6; }

  .disclaimer { font-size: 13px; color: var(--muted); border-top: 1px solid var(--border); padding-top: 18px; margin-top: 48px; line-height: 1.7; }
  .faq-item { border-bottom: 1px solid var(--border); padding: 18px 0; }
  .faq-item h3 { margin: 0 0 8px !important; font-size: 18px !important; }
  .faq-item p { margin: 0 !important; }

  @media(max-width: 640px) {
    .rate-tiles { grid-template-columns: 1fr; }
    .rate-tile { border-right: none; border-bottom: 1px solid var(--border); }
    .rate-tile:last-child { border-bottom: none; }
    .rchart { padding: 16px 12px 10px; }
    .term { padding: 16px 16px 14px 58px; }
    .compare-table { display: block; overflow-x: auto; }
  }