:root {
  color-scheme: light;
  --portal-ink: #10251f;
  --portal-muted: #5f706b;
  --portal-line: #dfe8e4;
  --portal-brand: #0d6b50;
  --portal-brand-dark: #084b39;
  --portal-accent: #dff5ea;
  --portal-tint: #f3f8f6;
  --portal-warn: #8a4b08;
  --portal-warn-bg: #fff5dd;
  --portal-white: #fff;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; color: var(--portal-ink); background: var(--portal-white); line-height: 1.55; }
a { color: var(--portal-brand-dark); text-underline-offset: .18em; }
a:hover { color: var(--portal-brand); }
a:focus-visible, button:focus-visible, select:focus-visible, input:focus-visible, textarea:focus-visible,
[tabindex="-1"]:focus-visible, [tabindex="0"]:focus-visible {
  outline: 3px solid #ffbf47;
  outline-offset: 3px;
}
code { overflow-wrap: anywhere; }
.skip-link {
  position: fixed;
  z-index: 1000;
  top: 8px;
  left: 8px;
  padding: 10px 14px;
  color: #fff;
  background: #10251f;
  border-radius: 8px;
  transform: translateY(-160%);
}
.skip-link:focus { color: #fff; transform: translateY(0); }
.portal-wrap { width: min(1180px, calc(100% - 32px)); margin-inline: auto; }
.portal-header { position: sticky; top: 0; z-index: 20; background: rgba(255,255,255,.96); border-bottom: 1px solid var(--portal-line); backdrop-filter: blur(14px); }
.portal-header__row { min-height: 72px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.portal-logo { font-size: 1.45rem; font-weight: 850; letter-spacing: -.045em; text-decoration: none; color: var(--portal-ink); }
.portal-logo span { color: var(--portal-brand); }
.portal-header nav, .portal-footer nav { display: flex; flex-wrap: wrap; gap: 18px; }
.portal-header nav a, .portal-footer nav a { font-weight: 650; text-decoration: none; }
.portal-hero { padding: clamp(72px, 10vw, 132px) 0; background: radial-gradient(circle at 82% 20%, #c7f0dc 0, transparent 38%), linear-gradient(145deg, #f7fbf9, #eaf7f1); border-bottom: 1px solid var(--portal-line); }
.portal-hero h1 { max-width: 830px; margin: 10px 0 20px; font-size: clamp(2.35rem, 6vw, 5.4rem); line-height: .98; letter-spacing: -.065em; }
.portal-hero p:not(.portal-kicker) { max-width: 720px; font-size: clamp(1.05rem, 2vw, 1.35rem); color: var(--portal-muted); }
.portal-kicker { margin: 0; color: var(--portal-brand); font-size: .8rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; }
.portal-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 30px; }
.portal-button { display: inline-flex; min-height: 44px; align-items: center; justify-content: center; padding: 10px 18px; border: 1px solid var(--portal-brand); border-radius: 10px; color: #fff; background: var(--portal-brand); font-weight: 750; text-decoration: none; cursor: pointer; }
.portal-button:hover { color: #fff; background: var(--portal-brand-dark); }
.portal-button--ghost { color: var(--portal-brand-dark); background: transparent; }
.portal-button--ghost:hover { color: #fff; }
.portal-section { padding: clamp(46px, 7vw, 86px) 0; }
.portal-section--tint { background: var(--portal-tint); border-block: 1px solid var(--portal-line); }
.portal-title { padding: clamp(52px, 8vw, 92px) 0 42px; background: var(--portal-tint); border-bottom: 1px solid var(--portal-line); }
.portal-title h1, .portal-section h2 { margin: 8px 0 16px; letter-spacing: -.035em; line-height: 1.1; }
.portal-title h1 { max-width: 900px; font-size: clamp(2rem, 5vw, 4.2rem); }
.portal-title p { max-width: 780px; color: var(--portal-muted); font-size: 1.08rem; }
.section-heading { display: flex; align-items: end; justify-content: space-between; gap: 20px; margin-bottom: 26px; }
.section-heading h2 { margin-bottom: 0; font-size: clamp(1.7rem, 3.5vw, 2.7rem); }
.task-grid, .rate-grid, .product-grid, .bank-grid, .license-grid { display: grid; gap: 18px; }
.task-grid { grid-template-columns: repeat(4, 1fr); }
.task-grid a { min-height: 170px; display: flex; flex-direction: column; justify-content: end; padding: 24px; border: 1px solid var(--portal-line); border-radius: 18px; background: var(--portal-white); text-decoration: none; transition: transform .18s ease, border-color .18s ease; }
.task-grid a:hover { transform: translateY(-3px); border-color: var(--portal-brand); }
.task-grid strong { font-size: 1.15rem; }
.task-grid span { margin-top: 8px; color: var(--portal-muted); }
.rate-grid { grid-template-columns: repeat(6, 1fr); }
.rate-card { display: grid; gap: 4px; padding: 18px; border: 1px solid var(--portal-line); border-radius: 14px; background: var(--portal-white); }
.rate-card strong { color: var(--portal-brand); font-size: 1.1rem; }
.rate-card small, .portal-meta, .portal-muted { color: var(--portal-muted); }
.product-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.sponsored-section { padding-block: 34px; border-block: 1px solid #ecd8a9; background: #fffbef; }
.sponsored-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 18px; }
.sponsored-card { padding: 22px; border: 1px solid #dfc98f; border-radius: 16px; background: #fff; }
.sponsored-card__label { display: inline-flex; margin: 0 0 12px; padding: 3px 8px; border-radius: 999px; color: #694000; background: #ffefbd; font-size: .75rem; font-weight: 850; letter-spacing: .06em; text-transform: uppercase; }
.sponsored-card__org { margin: 0; color: var(--portal-muted); font-size: .88rem; font-weight: 700; }
.sponsored-card h3 { margin: 5px 0 10px; font-size: 1.2rem; }
.product-card, .bank-card, .license-grid article, .evidence-card, .portal-empty { padding: 24px; border: 1px solid var(--portal-line); border-radius: 16px; background: var(--portal-white); box-shadow: 0 10px 35px rgba(16,37,31,.045); }
.product-card h2, .bank-card h2 { margin: 4px 0 18px; font-size: 1.35rem; }
.product-card h2 a, .bank-card h2 a { color: var(--portal-ink); text-decoration: none; }
.product-card__org { margin: 0; font-size: .88rem; font-weight: 700; }
.product-card dl, .term-list { margin: 0 0 18px; }
.product-card dl div { display: flex; justify-content: space-between; gap: 16px; padding: 9px 0; border-top: 1px solid var(--portal-line); }
.product-card dt { color: var(--portal-muted); }
.product-card dd { margin: 0; font-weight: 750; text-align: right; }
.portal-warning, .portal-alert { padding: 14px 16px; border: 1px solid #efd49c; border-radius: 12px; color: var(--portal-warn); background: var(--portal-warn-bg); }
.portal-trust ol, .prose { max-width: 800px; }
.portal-trust li, .prose li { margin-bottom: 10px; }
.breadcrumbs { display: flex; flex-wrap: wrap; gap: 8px; color: var(--portal-muted); font-size: .9rem; }
.catalog-filter { display: flex; flex-wrap: wrap; align-items: end; gap: 14px; padding: 18px; margin-bottom: 16px; border: 1px solid var(--portal-line); border-radius: 14px; background: var(--portal-tint); }
.catalog-filter label { display: grid; gap: 6px; color: var(--portal-muted); font-size: .85rem; font-weight: 700; }
.catalog-filter select { min-width: 180px; min-height: 44px; padding: 8px 12px; border: 1px solid #b9c9c3; border-radius: 9px; background: #fff; font: inherit; }
.product-detail { display: grid; grid-template-columns: minmax(0, 2fr) minmax(280px, 1fr); gap: 26px; align-items: start; }
.term-list > div { display: grid; grid-template-columns: minmax(160px, .8fr) minmax(160px, 1fr); gap: 4px 20px; padding: 15px 0; border-bottom: 1px solid var(--portal-line); }
.term-list dt { color: var(--portal-muted); }
.term-list dd { margin: 0; font-weight: 800; }
.term-list small { grid-column: 2; color: var(--portal-muted); }
.evidence-card { position: sticky; top: 94px; }
.bank-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.license-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); margin-bottom: 44px; }
.compare-scroll { overflow-x: auto; border: 1px solid var(--portal-line); border-radius: 14px; }
.compare-table { width: 100%; border-collapse: collapse; background: #fff; }
.compare-table caption { padding: 12px 15px; font-weight: 750; text-align: left; background: #fff; }
.compare-table th, .compare-table td { min-width: 190px; padding: 15px; border-bottom: 1px solid var(--portal-line); text-align: left; vertical-align: top; }
.compare-table th { background: var(--portal-tint); }
.compare-table small { display: block; margin-top: 6px; color: var(--portal-muted); font-weight: 500; }
.portal-empty { grid-column: 1 / -1; }
.portal-footer { padding: 34px 0; color: var(--portal-muted); background: #0c211b; }
.portal-footer .portal-wrap { display: grid; gap: 14px; }
.portal-footer p { max-width: 820px; margin: 0; color: #c8d9d3; }
.portal-footer a { color: #fff; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    scroll-behavior: auto !important;
    transition-duration: .001ms !important;
    animation-duration: .001ms !important;
    animation-iteration-count: 1 !important;
  }
}

@media (forced-colors: active) {
  .portal-button, .product-card, .bank-card, .evidence-card, .portal-empty {
    border: 1px solid ButtonText;
  }
  .portal-button { color: ButtonText; background: ButtonFace; }
}

@media (max-width: 980px) {
  .portal-header__row { align-items: flex-start; flex-direction: column; padding-block: 14px; }
  .portal-header { position: static; }
  .task-grid { grid-template-columns: repeat(2, 1fr); }
  .rate-grid { grid-template-columns: repeat(3, 1fr); }
  .bank-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 680px) {
  .portal-wrap { width: min(100% - 22px, 1180px); }
  .portal-header nav { gap: 10px 14px; font-size: .92rem; }
  .task-grid, .rate-grid, .product-grid, .sponsored-grid, .bank-grid, .license-grid, .product-detail { grid-template-columns: 1fr; }
  .portal-hero { padding-block: 58px; }
  .section-heading { align-items: flex-start; flex-direction: column; }
  .term-list > div { grid-template-columns: 1fr; }
  .term-list small { grid-column: 1; }
  .evidence-card { position: static; }
}


/* Detailed product evidence, scenario calculator and explicit comparison choices. */
.product-contents { display: flex; flex-wrap: wrap; gap: 8px 18px; padding-top: 12px; }
.product-contents a { font-weight: 650; }
.product-detail-content { min-width: 0; }
.product-detail-content, .product-detail .evidence-card, .product-comparison-choice { overflow-wrap: anywhere; }
.product-panel { margin-bottom: 38px; scroll-margin-top: 110px; }
.product-panel h2 { font-size: clamp(1.5rem, 2.8vw, 2rem); }
.product-panel h3 { margin: 25px 0 12px; }
.product-panel li { margin-block: 8px; }
.product-term-context { margin: 8px 0 0; font-size: .9rem; font-weight: 400; }
.product-source-quote { margin-top: 10px; color: var(--portal-muted); font-size: .88rem; font-weight: 400; }
.product-source-quote p { white-space: pre-line; overflow-wrap: anywhere; }
.product-source-quote summary, .product-question summary, .product-method summary { cursor: pointer; }
.product-evidence-list { padding-left: 22px; }
.product-disclosure { border-left: 3px solid var(--portal-brand); padding: 0 0 0 18px; margin: 24px 0; }
.product-disclosure h3 { margin-bottom: 8px; }
.product-question { border-bottom: 1px solid var(--portal-line); padding: 14px 0; }
.product-question summary { font-weight: 700; }
.product-calculator { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); align-items: end; gap: 14px; padding: 20px; border-radius: 14px; background: var(--portal-tint); border: 1px solid var(--portal-line); }
.product-calculator label { display: grid; gap: 6px; font-size: .9rem; font-weight: 650; }
.product-calculator input, .product-calculator select { width: 100%; min-width: 0; min-height: 44px; padding: 10px; border: 1px solid #b9c9c3; border-radius: 8px; background: #fff; font: inherit; color: var(--portal-ink); }
.product-calculator input[type=hidden] { display: none; }
.product-calculation-result { padding: 6px 20px; margin-top: 16px; border: 1px solid var(--portal-brand); border-radius: 14px; }
.product-method { margin-top: 16px; color: var(--portal-muted); }
.product-comparison-choice > label { display: flex; align-items: flex-start; gap: 10px; padding: 16px; font-weight: 650; }
.product-comparison-choice input { width: 20px; height: 20px; flex: 0 0 20px; margin-top: 3px; }
.product-comparison-choice .product-card { height: auto; }
#product-related { scroll-margin-top: 100px; }
.evidence-card dd { margin-left: 0; margin-bottom: 14px; font-weight: 650; }
.evidence-card dt { color: var(--portal-muted); font-size: .88rem; }
@media (max-width: 680px) {
  .product-calculator { grid-template-columns: 1fr; padding: 16px; }
  .product-panel, #product-related { scroll-margin-top: 16px; }
  .product-contents { gap: 10px 16px; }
}