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var(--rule)}.vx-k{color:var(--ink-2);font-weight:550}.vx-big{font-size:clamp(3rem,11vw,5.4rem);font-weight:800;letter-spacing:-.055em;line-height:1;width:fit-content;max-width:100%;background:linear-gradient(transparent 62%,var(--marigold) 62% 90%,transparent 90%)}.vx-big.sm{font-size:clamp(2rem,7vw,3rem)}.vx-cols{display:grid;gap:28px}@media(min-width:760px){.vx-cols{grid-template-columns:1fr 1fr;gap:40px}}.vx-blk{display:grid;grid-template-columns:minmax(0,1fr);gap:12px;align-content:start;min-width:0}.vx-blk h2{font-size:1.2rem;letter-spacing:-.025em;padding-top:12px;border-top:2px solid var(--ink)}.vx-bh{display:flex;align-items:center;justify-content:space-between;gap:12px}.vx-blk>.vx-bh{border-top:2px solid var(--ink)}.vx-blk>.vx-bh h2{flex:1;border-top:0}.vx-card{border:1px solid var(--rule);border-radius:4px;padding:20px;display:grid;gap:8px;background:var(--sheet)}.vx-card.good{background:var(--good-tint)}.vx-card.warn{background:var(--warn-tint)}.vx-card.bad{background:var(--bad-tint)}.vx-list,.vx-do,.vx-mail,.vx-gaps,.vx-docs,.vx-flags,.vx-sws{list-style:none;margin:0;padding:0;display:grid}.vx-row{appearance:none;font:inherit;color:inherit;text-align:left;width:100%;background:none;border:0;border-bottom:1px solid var(--rule);padding:14px 0;cursor:pointer;display:grid;gap:2px 14px;grid-template-columns:1fr auto;transition:padding .2s ease,background .2s ease}.vx-row:hover{padding-left:10px;background:linear-gradient(90deg,color-mix(in srgb,var(--marigold) 20%,transparent),transparent 70%)}.vx-r1{display:flex;align-items:center;gap:10px;flex-wrap:wrap;grid-column:1}.vx-r2{color:var(--ink-2);font-size:.92rem;grid-column:1}.vx-r3{grid-column:2;grid-row:1 / span 2;align-self:center;text-align:right;font-size:.88rem;color:var(--ink-2)}.vx-r3 b{display:block;font-size:1.1rem;color:var(--ink);letter-spacing:-.02em}.vx-do .vx-row{grid-template-columns:1fr}.vx-do .vx-row span{color:var(--ink-2);font-size:.94rem}.vx-pill{font-size:.76rem;font-weight:700;padding:2px 9px;border-radius:999px;background:var(--accent-tint);color:var(--ink)}.vx-pill.bad{background:var(--bad-tint);color:var(--bad)}.vx-pill.warn{background:var(--warn-tint);color:var(--warn)}.vx-pill.good{background:var(--good-tint);color:var(--good)}.vx-file{display:flex;align-items:center;gap:14px}.vx-ring{width:72px;height:72px;flex:none}.vx-ring circle{fill:none;stroke-width:7}.vx-ring .v{stroke:var(--ink);stroke-linecap:butt}.vx-ring text{font-size:15px;font-weight:800;fill:var(--ink);letter-spacing:-.04em}.vx-gaps li,.vx-docs li{display:flex;align-items:center;justify-content:space-between;gap:12px;border-bottom:1px solid var(--rule);padding:8px 0;font-size:.95rem}.vx-docs li{padding:12px 0}.vx-docs small{display:block;color:var(--ink-3)}.vx-ok{color:var(--good);font-weight:700;font-size:.9rem}.vx-mail li{display:grid;gap:1px;padding:10px 0;border-bottom:1px solid var(--rule)}.vx-mail span{color:var(--ink-2);font-size:.94rem}.vx-flags li{padding:12px 0;border-bottom:1px solid var(--rule);display:grid;gap:2px}.vx-flags span{color:var(--ink-2);font-size:.94rem}.vx-flags li.alert b:before,.vx-flags li.watch b:before,.vx-flags li.info b:before{content:"";display:inline-block;width:9px;height:9px;border-radius:50%;margin-right:8px;background:var(--ink-3)}.vx-flags li.watch b:before{background:var(--warn)}.vx-flags li.info b:before{background:var(--good)}.vx-drop{border:2px dashed var(--rule-strong);border-radius:4px;padding:clamp(20px,4vw,34px);display:grid;gap:10px;justify-items:start;background:color-mix(in srgb,var(--sheet) 60%,transparent);transition:border-color .2s ease,background .2s ease}.vx-drop.over,.vx-drop:hover{border-color:var(--ink);background:var(--sheet)}.vx-drop small{color:var(--ink-3)}.vx-sws{border-top:2px solid var(--ink)}.vx-sws li{border-bottom:1px solid var(--rule)}.vx-sw{display:grid;grid-template-columns:auto 1fr;gap:14px;align-items:center;padding:16px 0;cursor:pointer}.vx-sw small{display:block;color:var(--ink-2);font-size:.92rem}.vx-sw input{position:absolute;opacity:0;width:1px;height:1px}.vx-trk{width:46px;height:26px;border-radius:999px;background:var(--rule-strong);position:relative;transition:background .2s ease;flex:none}.vx-trk:after{content:"";position:absolute;left:3px;top:3px;width:20px;height:20px;border-radius:50%;background:var(--sheet);transition:transform .2s ease}.vx-sw input:checked+.vx-trk{background:var(--ink)}.vx-sw input:checked+.vx-trk:after{transform:translate(20px);background:var(--marigold)}.vx-sw input:focus-visible+.vx-trk{outline:3px solid var(--focus);outline-offset:2px}.vx-scroll{overflow-x:auto}.vx-plan td:first-child{font-weight:600}.vx-pay{display:grid;gap:6px;justify-items:start}.vx-pay small{color:var(--ink-3)}.vx-form{max-width:560px}.tl-err{color:var(--bad);font-weight:600}.vx-google{display:flex;justify-content:center;width:100%;text-decoration:none;box-sizing:border-box}:root{--paper: #ffffff;--sheet: #ffffff;--soft: #f4f7f9;--ink: #0b2b4a;--ink-2: #3b5573;--ink-3: #587390;--rule: #e2e8ee;--rule-strong: #b5c2cf;--accent: #0a7c72;--accent-ink: #ffffff;--accent-tint: #d4f2ee;--good: #0b7a4b;--good-tint: #ddf3e7;--warn: #a8420c;--warn-tint: #ffefe3;--bad: #b3261e;--bad-tint: #fde6e1;--focus: #0a7c72;--c1: #0a9a8e;--c2: #e0662f;--c3: #4a6fa5;--c-base: #587390;--marigold: #ffd93d;--marigold-ink: #0b2b4a;--deep: #0b2b4a;--deep-2: #12466a;--on-deep: #f1faf8;--on-deep-2: #b6cde0;--font-display: "Bricolage Grotesque", "Segoe UI", system-ui, sans-serif;--font-body: "Bricolage Grotesque", "Segoe UI", system-ui, -apple-system, sans-serif;--on-coral: #5a2a12;--yel: #ffd93d;--on-yel: #0b2b4a;--coral-tint: #ffe0d6;--blue-tint: #dce8f5;--radius-sheet: 20px;--radius-control: 12px}@media(prefers-color-scheme:dark){:root:not([data-theme=light]){--paper: #06182b;--sheet: #0e2640;--ink: #e9f2fa;--ink-2: #b4c8dc;--ink-3: #8ea6bf;--rule: #1d3a58;--rule-strong: #3f6185;--accent: #4fd8c8;--accent-ink: #03201c;--accent-tint: #0f3a46;--good: #5fe0a8;--good-tint: #0e3a2c;--warn: #ffb27d;--warn-tint: #40220f;--bad: #ff9a8e;--bad-tint: #43201c;--focus: #6fe6d8;--c1: #2bbfae;--c2: #f0813f;--c3: #7fa2d6;--c-base: #8ea6bf;--marigold: #ffd93d;--marigold-ink: #0b2b4a;--coral-tint: #43201c;--blue-tint: #14304f;--soft: #0b2037;--on-coral: #ffd9cc;--deep: #0a2038;--deep-2: #12466a;color-scheme:dark}}:root[data-theme=dark]{--paper: #06182b;--sheet: #0e2640;--ink: #e9f2fa;--ink-2: #b4c8dc;--ink-3: #8ea6bf;--rule: #1d3a58;--rule-strong: #3f6185;--accent: #4fd8c8;--accent-ink: #03201c;--accent-tint: #0f3a46;--good: #5fe0a8;--good-tint: #0e3a2c;--warn: #ffb27d;--warn-tint: #40220f;--bad: #ff9a8e;--bad-tint: #43201c;--focus: #6fe6d8;--c1: #2bbfae;--c2: #f0813f;--c3: #7fa2d6;--c-base: #8ea6bf;--marigold: #ffd93d;--marigold-ink: #0b2b4a;--coral-tint: #43201c;--blue-tint: #14304f;--soft: #0b2037;--on-coral: #ffd9cc;--deep: #0a2038;--deep-2: #12466a;color-scheme:dark}body{font-size:17px;letter-spacing:0}h1,h2,h3{font-weight:800;letter-spacing:-.035em}.top{border-bottom:0;padding:14px 0}.brand{font-weight:800;font-size:1.25rem;letter-spacing:-.04em;color:var(--ink)}.brand .mk{width:34px;height:34px}.navlink.acct{background:var(--ink);color:var(--paper);border-radius:999px;padding:0 22px;font-weight:700}.navlink.acct:hover{background:var(--accent);color:var(--accent-ink)}.btn{border-radius:999px;font-weight:700;transition:transform .15s ease,background .15s ease}.btn.lg{border-radius:999px;min-height:58px;padding:0 32px;font-size:1.08rem}.btn:not(.quiet):not([disabled]):hover{transform:scale(1.04);box-shadow:none}.btn:active{transform:scale(.99)}.btn.secondary{border:2px solid var(--ink);color:var(--ink)}.btn.secondary:hover{background:var(--ink);color:var(--paper);border-color:var(--ink)}.fx{gap:clamp(72px,10vw,140px)}.fx-hero{display:grid;gap:clamp(22px,3.4vw,40px);padding-top:clamp(8px,2vw,24px)}.fx-top{display:flex;align-items:center;gap:14px;flex-wrap:wrap;font-weight:600;color:var(--ink-2);margin:0}.fx-free{background:var(--yel);color:var(--on-yel);font-weight:800;padding:8px 16px;border-radius:999px;font-size:.95rem}.fx-hero h1{font-size:clamp(3.2rem,11.2vw,8.6rem);line-height:.86;letter-spacing:-.058em;font-weight:800;max-width:11ch}.fx-hero h1 mark{background:var(--yel);color:var(--on-yel);padding:0 .12em;border-radius:.2em;-webkit-box-decoration-break:clone;box-decoration-break:clone}.fx-row{display:grid;gap:20px}@media(min-width:960px){.fx-row{grid-template-columns:minmax(0,1.55fr) minmax(0,1fr)}}.fx-dark{background:linear-gradient(150deg,#0b2b4a,#123f63 60%,#0b6f69 130%);color:#fff;border-radius:40px;padding:clamp(22px,3.6vw,38px);display:grid;gap:20px;align-content:start;box-shadow:0 50px 80px -50px #0b2b4acc}.fx-dh{display:flex;justify-content:space-between;align-items:center;gap:12px;flex-wrap:wrap}.fx-dh b{color:#b6cde0;font-size:1.1rem;font-weight:700}.fx-verdict{font-weight:800;padding:7px 15px;border-radius:999px;background:#d4f2ee;color:#0a6f66;transition:background .2s,color .2s}.fx-verdict[data-high=true]{background:var(--coral-tint);color:#a8420c}.fx-stats{display:flex;gap:12px;flex-wrap:wrap}.fx-stats div{flex:1 1 130px;background:#ffffff17;border-radius:20px;padding:14px 18px;display:grid;gap:2px}.fx-stats small{color:#b6cde0;font-size:.88rem;font-weight:600}.fx-stats b{font-size:clamp(1.3rem,3.2vw,1.9rem);font-weight:800;letter-spacing:-.03em}.fx-pulse{display:block;width:100%;height:auto}.fx-pulse path{fill:none;stroke:#ff8a6b;stroke-width:3.5;stroke-linecap:round;stroke-linejoin:round}.fx-dark:has(.fx-verdict[data-high=false]) .fx-pulse path{stroke:#5fe0c0}.fx-slider label{font-weight:700;color:#d6e6f2;display:block}.fx-slider label b{color:var(--yel)}.fx-slider input[type=range]{width:100%;height:44px;background:transparent;cursor:pointer;-webkit-appearance:none;appearance:none}.fx-slider input[type=range]::-webkit-slider-runnable-track{height:8px;background:#ffffff4d;border-radius:999px}.fx-slider input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:34px;height:34px;margin-top:-13px;background:var(--yel);border:5px solid #fff;border-radius:50%;box-shadow:0 4px 16px #0006}.fx-slider input[type=range]::-moz-range-track{height:8px;background:#ffffff4d;border-radius:999px}.fx-slider input[type=range]::-moz-range-thumb{width:24px;height:24px;background:var(--yel);border:5px solid #fff;border-radius:50%}.fx-yel{background:var(--yel);color:var(--on-yel);border-radius:40px;padding:clamp(22px,3.6vw,38px);display:grid;gap:14px;align-content:space-between;justify-items:start}.fx-yl{font-size:1.25rem;font-weight:800}.fx-big{font-size:clamp(3.2rem,8.4vw,6.4rem);line-height:.9;letter-spacing:-.058em;font-weight:800;font-variant-numeric:tabular-nums}.fx-ys{font-weight:600;font-size:1.1rem;color:var(--on-yel)}.fx-yel .btn:not(.quiet):not([disabled]){background:#0b2b4a;border-color:#0b2b4a;color:#fff}.fx-yel .btn:not(.quiet):not([disabled]):hover{background:#12466a;border-color:#12466a;color:#fff}.fx-proof{display:grid;gap:20px}@media(min-width:900px){.fx-proof{grid-template-columns:repeat(3,minmax(0,1fr))}}.fx-card{background:var(--sheet);border:1px solid var(--rule);border-radius:32px;padding:28px;display:grid;gap:6px;align-content:center}.fx-card small{font-weight:700;color:var(--ink-3);font-size:1rem}.fx-num{font-size:clamp(2.6rem,6vw,4rem);font-weight:800;letter-spacing:-.055em;line-height:1}.fx-card p{color:var(--ink-2)}.fx-card.bad{background:var(--coral-tint);border-color:transparent}.fx-card.bad small,.fx-card.bad .fx-num{color:#a8420c}.fx-card.bad p{color:var(--on-coral)}.fx-card.good{background:var(--good-tint);border-color:transparent}.fx-card.good small,.fx-card.good .fx-num{color:var(--good)}.fx-ticks{gap:14px}.fx-ticks p{display:flex;gap:12px;align-items:center;font-weight:700;color:var(--accent)}.fx-ticks p{color:var(--ink)}.fx-ticks svg{flex:none;color:var(--accent)}.fx-h{font-size:clamp(2.6rem,8vw,6.4rem);line-height:.88;letter-spacing:-.058em;font-weight:800;max-width:11ch}.lp-calcs{gap:clamp(26px,4vw,44px)}.fx-tiles{list-style:none;margin:0;padding:0;display:grid;gap:18px;grid-template-columns:repeat(auto-fill,minmax(250px,1fr))}.fx-t a{display:grid;gap:28px;align-content:space-between;min-height:230px;border-radius:36px;padding:28px;text-decoration:none;background:var(--sheet);color:var(--ink);border:1px solid var(--rule);transition:transform .2s ease}.fx-t a:hover{transform:translateY(-5px) rotate(-.5deg)}.fx-t b{font-size:clamp(1.5rem,3vw,2.1rem);letter-spacing:-.04em;line-height:1;font-weight:800}.fx-t span{font-size:1.05rem;color:var(--ink-2)}.fx-t.t0 a{background:#0b2b4a;color:#fff;border-color:#0b2b4a}.fx-t.t0 span{color:#b6cde0}.fx-t.t1 a{background:var(--yel);color:var(--on-yel);border-color:var(--yel)}.fx-t.t1 span{color:var(--on-yel)}.fx-t.t2 a{background:var(--accent-tint);border-color:transparent}.fx-t.t3 a{background:var(--blue-tint);border-color:transparent}.fx-kfs{display:grid;gap:clamp(28px,5vw,56px);align-items:center}@media(min-width:900px){.fx-kfs{grid-template-columns:minmax(0,1.05fr) minmax(0,1fr)}}.fx-doc{background:var(--sheet);border-radius:28px;padding:clamp(20px,3vw,34px);box-shadow:0 40px 70px -46px #0b2b4a99;transform:rotate(-1.2deg);border:1px solid var(--rule)}.fx-doc-h{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;padding-bottom:14px;border-bottom:2px solid var(--ink)}.fx-doc-h span{color:var(--ink-3)}.fx-dr{display:flex;justify-content:space-between;gap:16px;padding:14px 0;border-bottom:1px solid var(--rule)}.fx-dr:last-child{border-bottom:0}.fx-dr.y,.fx-dr.c{padding:12px;margin:2px -12px;border-radius:14px;border-bottom:0;color:#0b2b4a}.fx-dr.y{background:var(--yel)}.fx-dr.c{background:var(--coral-tint)}.fx-kt{display:grid;gap:22px;justify-items:start}.fx-kt .fx-h{font-size:clamp(2.4rem,6vw,4.5rem);max-width:9ch}.fx-key{display:flex;gap:14px;align-items:flex-start;font-size:1.15rem;line-height:1.45}.fx-key i{flex:none;width:18px;height:18px;border-radius:6px;margin-top:6px}.fx-key i.y{background:var(--yel)}.fx-key i.c{background:#ffb8a3}.fx-navy{background:#0b2b4a;color:#fff;border-radius:44px;padding:clamp(26px,6vw,76px);display:grid;gap:clamp(28px,5vw,56px);align-items:center}@media(min-width:900px){.fx-navy{grid-template-columns:minmax(0,1fr) minmax(0,1.1fr)}}.fx-navy .fx-h{color:#fff;font-size:clamp(2.4rem,6vw,5rem)}.fx-nt{display:grid;gap:22px}.fx-nt p{color:#b6cde0;font-size:1.25rem;max-width:30ch}.fx-rep{background:#fff;color:#0b2b4a;border-radius:32px;padding:clamp(20px,3vw,32px);display:grid;gap:16px}.fx-rep .fx-doc-h{border-bottom:0;padding-bottom:0}.fx-rep .fx-doc-h span{color:#587390}.fx-dx{background:#ffe0d6;border-radius:20px;padding:20px}.fx-dx b{color:#a8420c}.fx-dx p{font-size:clamp(1.8rem,4.4vw,2.6rem);font-weight:800;letter-spacing:-.045em;line-height:1.05}.fx-rx{background:#d4f2ee;border-radius:20px;padding:20px;display:grid;gap:8px}.fx-rx b{color:#0a7c72}.fx-steps{list-style:none;margin:0;padding:0;display:grid;gap:18px;grid-template-columns:repeat(auto-fit,minmax(250px,1fr))}.fx-steps li{background:var(--sheet);border:1px solid var(--rule);border-radius:32px;padding:30px;display:grid;gap:8px;align-content:start}.fx-n{font-size:3.6rem;font-weight:800;letter-spacing:-.05em;color:#0e9f92;line-height:1}.fx-steps h3{font-size:1.5rem;letter-spacing:-.03em}.fx-steps p{color:var(--ink-2)}.fx-acct{display:grid;gap:clamp(28px,5vw,56px);align-items:center}@media(min-width:900px){.fx-acct{grid-template-columns:minmax(0,1.05fr) minmax(0,1fr)}}.fx-loans{background:var(--sheet);border:1px solid var(--rule);border-radius:36px;padding:clamp(20px,3vw,32px);box-shadow:0 30px 60px -40px #0b2b4a73;display:grid}.fx-loans>b{font-size:1.25rem;margin-bottom:12px}.fx-loans>div{display:flex;justify-content:space-between;gap:12px;padding:16px 0;border-top:1px solid var(--rule);align-items:center}.fx-loans span{display:grid}.fx-loans span small{color:var(--ink-2)}.fx-loans em{font-style:normal;font-weight:800;text-align:right}.fx-loans em.g{color:var(--good)}.fx-loans em.w{color:var(--warn)}.fx-sample{color:var(--ink-3);padding-top:8px}.fx-at{display:grid;gap:22px;justify-items:start}.fx-at .fx-h{font-size:clamp(2.4rem,6vw,5rem);max-width:10ch}.fx-at p{font-size:1.25rem;line-height:1.5;color:var(--ink-2);max-width:34ch}.fx-faq{display:grid;gap:12px;grid-template-columns:repeat(auto-fit,minmax(min(100%,340px),1fr));align-items:start}.fx-faq details{background:var(--sheet);border:1px solid var(--rule);border-radius:22px;padding:6px 22px}.fx-faq summary{font-weight:700;padding:14px 0;cursor:pointer}.fx-faq details p{color:var(--ink-2);padding-bottom:16px;line-height:1.5}.fx-cta{background:var(--yel);color:var(--on-yel);border-radius:44px;padding:clamp(28px,6vw,72px);display:flex;justify-content:space-between;align-items:center;gap:28px;flex-wrap:wrap}.fx-cta .fx-h{color:var(--on-yel);max-width:11ch;font-size:clamp(2.4rem,6vw,5rem)}.fx-cta .btn:not(.quiet){background:#0b2b4a;border-color:#0b2b4a;color:#fff;min-height:66px;padding:0 38px;font-size:1.2rem}.rx{border-radius:32px}.tl-big{background:none;color:var(--good);font-size:clamp(2.6rem,9vw,3.8rem);letter-spacing:-.055em}.tl-card{border-radius:22px}.hubcard{border-radius:24px}.hubcard:hover{border-color:var(--accent);box-shadow:0 20px 36px -24px #0b2b4a80;transform:translateY(-3px)}.tl-f input,.tl-f select,input[type=text],input[type=number],select{border-radius:12px}.guide-h h1,.tool h1{font-size:clamp(2.2rem,6.5vw,3.4rem);letter-spacing:-.05em}.foot{border-top:1px solid var(--rule)}.foot-brand{color:var(--ink)}.lp-cta{border-radius:32px}.lp-sec .lp-head h2{font-size:clamp(2.2rem,6vw,4rem);letter-spacing:-.05em;line-height:.98;max-width:16ch;font-weight:800}.vt .btn:not(.quiet):not(.secondary){background:#5fe0c0;border-color:#5fe0c0;color:#03302a}.vt .btn:not(.quiet):not(.secondary):hover{background:#8cf0d8;border-color:#8cf0d8;color:#03302a}.vt .btn.secondary{border-color:#ffffff80;color:#fff}.fx-hero h1{line-height:.94}.fx-hero>*,.fx-row>*,.fx-yel>*{min-width:0}.fx-big{font-size:clamp(2.6rem,5.4vw,4.8rem);max-width:100%;overflow-wrap:anywhere}.fx-ys{overflow-wrap:anywhere}.fx-hero h1 mark{display:inline-block;line-height:.98;padding:.02em .14em .06em}.fx-big{font-size:clamp(2.2rem,4.4vw,3.9rem);white-space:nowrap}.shell,.is-wide .shell{max-width:1120px}.top{background:color-mix(in srgb,var(--paper) 90%,transparent)}:root{--lift: 0 1px 0 rgba(11,43,74,.04), 0 22px 44px -30px rgba(11,43,74,.38)}main h1,.guide-h h1,.tool h1{font-size:clamp(2.6rem,7.4vw,5.4rem);line-height:.93;letter-spacing:-.058em;font-weight:800;max-width:14ch}.guide-h{display:grid;gap:16px}.guide-h .lede,main 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