/* LanternRates: one-column editorial layout, 1040px max, flat finance-site styling */
:root {
  --bg: #FFFFFF;
  --surface: #F6F7F9;
  --band: #F3F5F7;
  --ink: #1B2430;
  --body: #3D4652;
  --muted: #5B6573;
  --line: #E2E6EB;
  --line-strong: #D5DBE2;
  --link: #1D5FBF;
  --link-hover: #123F80;
  --accent: #0A7D4F;
  --accent-ink: #FFFFFF;
  --badge-bg: #EEF3FA;
  --badge-ink: #1D4F99;
  --note-bg: #FFFBEA;
  --note-line: #C9A227;
  --note-ink: #6B5300;
  --font: 'Libre Franklin', 'Helvetica Neue', Arial, sans-serif;
}
@media (prefers-color-scheme: dark) {
  :root:not([data-theme="light"]) {
    --bg: #11161D; --surface: #1A212B; --band: #161C24; --ink: #EEF1F5; --body: #C9D0D9; --muted: #9AA4B2;
    --line: #2A3340; --line-strong: #364152; --link: #7FB0F5; --link-hover: #A9CBFA; --accent: #2FB37E; --accent-ink: #08130E;
    --badge-bg: #1E2B3E; --badge-ink: #A9C6F2; --note-bg: #2A2410; --note-line: #8A7220; --note-ink: #E8D38A; color-scheme: dark;
  }
}
:root[data-theme="dark"] {
  --bg: #11161D; --surface: #1A212B; --band: #161C24; --ink: #EEF1F5; --body: #C9D0D9; --muted: #9AA4B2;
  --line: #2A3340; --line-strong: #364152; --link: #7FB0F5; --link-hover: #A9CBFA; --accent: #2FB37E; --accent-ink: #08130E;
  --badge-bg: #1E2B3E; --badge-ink: #A9C6F2; --note-bg: #2A2410; --note-line: #8A7220; --note-ink: #E8D38A; color-scheme: dark;
}

* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body { margin: 0; background: var(--bg); color: var(--ink); font-family: var(--font); font-size: 16px; line-height: 1.6; font-variant-numeric: tabular-nums; }
a { color: var(--link); }
a:hover { color: var(--link-hover); }
a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible, summary:focus-visible { outline: 2px solid var(--link); outline-offset: 2px; }
img { max-width: 100%; }
h1, h2, h3 { text-wrap: balance; color: var(--ink); }

.gutter { padding-left: max(20px, env(safe-area-inset-left, 0px)); padding-right: max(20px, env(safe-area-inset-right, 0px)); }
.wrap { max-width: 1040px; margin: 0 auto; }
.narrow { max-width: 720px; }

/* top disclosure + header */
.disc-bar { background: var(--band); border-bottom: 1px solid var(--line); padding-block: 7px; font-size: 12.5px; color: var(--muted); }
.site-header { border-bottom: 1px solid var(--line); background: var(--bg); }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 4px 24px; }
.logo { display: flex; align-items: center; gap: 8px; text-decoration: none; color: var(--ink); padding-block: 14px; }
.logo span { font-weight: 800; font-size: 19px; letter-spacing: -0.01em; }
.logo svg rect, .logo svg path.stroke { stroke: var(--ink); }
.logo svg path.flame { fill: var(--accent); }
.main-nav { display: flex; flex-wrap: wrap; gap: 22px; font-size: 15px; }
.main-nav a { color: var(--body); text-decoration: none; padding: 16px 0 13px; border-bottom: 3px solid transparent; }
.main-nav a:hover { color: var(--ink); }
.main-nav a[aria-current="page"] { color: var(--ink); font-weight: 700; border-bottom-color: var(--accent); }

main { display: block; }
.page { padding-block: 28px 48px; display: flex; flex-direction: column; gap: 20px; }

/* type */
.eyebrow { font-size: 13px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.06em; color: var(--muted); }
h1.page-title { margin: 0; font-size: clamp(27px, 4vw, 34px); line-height: 1.2; font-weight: 800; letter-spacing: -0.015em; }
.lede { margin: 0; font-size: 17px; color: var(--body); max-width: 46em; }
.byline { font-size: 13px; color: var(--muted); }
.crumbs { font-size: 13px; color: var(--muted); }
.crumbs a { color: var(--muted); }

/* buttons */
.btn { display: inline-block; text-align: center; background: var(--accent); color: var(--accent-ink); font-weight: 700; font-size: 15px; text-decoration: none; padding: 11px 18px; border-radius: 4px; border: 0; }
.btn:hover { color: var(--accent-ink); filter: brightness(1.08); }
.btn-outline { background: var(--bg); color: var(--ink); border: 1.5px solid var(--ink); font: inherit; font-weight: 700; font-size: 15px; padding: 10px 18px; border-radius: 4px; cursor: pointer; }

/* mockup note */
.note { border: 1px dashed var(--note-line); background: var(--note-bg); color: var(--note-ink); border-radius: 4px; padding: 8px 12px; font-size: 13px; }

/* filter form */
.filters { display: flex; flex-wrap: wrap; gap: 12px; align-items: flex-end; background: var(--surface); border: 1px solid var(--line); border-radius: 6px; padding: 14px 16px; }
.filters label { display: flex; flex-direction: column; gap: 4px; font-size: 12.5px; color: var(--body); flex: 1 1 130px; }
.filters input, .filters select { font: inherit; font-size: 15px; padding: 9px 10px; border: 1px solid var(--line-strong); border-radius: 4px; background: var(--bg); color: var(--ink); width: 100%; }
.pills { display: flex; flex-wrap: wrap; gap: 8px; }
.pill { font: inherit; font-size: 14px; font-weight: 600; padding: 8px 16px; border-radius: 999px; border: 1.5px solid var(--line-strong); background: var(--bg); color: var(--ink); cursor: pointer; }
.pill[aria-pressed="true"] { background: var(--ink); color: var(--bg); border-color: var(--ink); }

/* offers */
.offers-head { display: flex; justify-content: space-between; align-items: baseline; flex-wrap: wrap; gap: 8px; border-bottom: 2px solid var(--ink); padding-bottom: 6px; }
.offers-head .eyebrow { color: var(--ink); }
.offers-head a { font-size: 13px; }
.offers { display: flex; flex-direction: column; gap: 12px; }
.offer { border: 1px solid var(--line-strong); border-radius: 6px; background: var(--bg); overflow: hidden; }
.offer.top { border-color: var(--ink); }
.offer-flag { background: var(--ink); color: var(--bg); font-size: 12px; font-weight: 700; padding: 4px 14px; }
.offer-main { display: flex; flex-wrap: wrap; align-items: center; gap: 16px 28px; padding: 16px; }
.offer-id { display: flex; align-items: center; gap: 12px; flex: 1 1 220px; min-width: 0; }
.rank { font-size: 14px; font-weight: 700; color: var(--muted); width: 16px; }
.logo-box { width: 96px; height: 40px; border: 1px solid var(--line); border-radius: 4px; display: flex; align-items: center; justify-content: center; font-size: 11px; color: var(--muted); flex: none; }
.offer-name { font-weight: 700; }
.offer-sub { font-size: 12px; color: var(--muted); }
.badge { display: inline-block; margin-top: 4px; background: var(--badge-bg); color: var(--badge-ink); font-size: 12px; font-weight: 600; padding: 1px 7px; border-radius: 3px; }
.offer-stats { display: flex; gap: 24px; flex: 1 1 320px; min-width: 0; flex-wrap: wrap; }
.stat-label { font-size: 12px; color: var(--muted); }
.stat-big { font-size: 26px; font-weight: 800; line-height: 1.1; }
.stat { font-size: 16px; font-weight: 600; margin-top: 5px; }
.offer-cta { flex: 0 1 190px; display: flex; flex-direction: column; gap: 6px; min-width: 160px; }
.offer-cta small { font-size: 11.5px; color: var(--muted); text-align: center; }
.brand-tile { width: 132px; height: 56px; border: 1px solid var(--line); border-radius: 6px; background: #FFFFFF; display: flex; align-items: center; justify-content: center; padding: 6px 10px; flex: none; position: relative; overflow: hidden; }
.brand-tile img { max-width: 100%; max-height: 40px; object-fit: contain; }
.brand-tile .wordmark { text-align: center; font-weight: 800; font-size: 13px; line-height: 1.15; letter-spacing: -0.01em; color: #1B2430; }
.brand-tile img ~ .wordmark { display: none; }
.big { display: flex; flex-direction: column; gap: 8px; margin-top: 16px; }
.big-list { border: 1px solid var(--line-strong); border-radius: 6px; }
.big-row { display: grid; grid-template-columns: 112px minmax(0, 1.2fr) 150px minmax(0, 2fr); gap: 8px 20px; align-items: center; padding: 14px 16px; border-bottom: 1px solid var(--line); }
.big-row:last-child { border-bottom: 0; }
.big-note { margin: 0; font-size: 14px; color: var(--body); }
.big-apy .stat-big { font-size: 22px; }
@media (max-width: 860px) {
  .big-row { grid-template-columns: 112px minmax(0, 1fr); }
  .big-apy { grid-column: 2; }
  .big-note { grid-column: 1 / -1; }
}
.mono { width: 48px; height: 48px; border-radius: 8px; background: var(--surface); border: 1px solid var(--line); display: flex; align-items: center; justify-content: center; font-weight: 800; font-size: 16px; color: var(--ink); letter-spacing: 0.02em; flex: none; }
.asof { font-size: 11.5px; color: var(--muted); margin-top: 2px; }
.summary { display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); border: 1px solid var(--line); border-radius: 6px; }
.sum-cell { padding: 14px 18px; border-right: 1px solid var(--line); }
.sum-cell:last-child { border-right: 0; }
.sum-num { font-size: 28px; font-weight: 800; line-height: 1.1; color: var(--ink); }
.sum-lab { font-size: 13px; color: var(--muted); }
.offer-note { border-top: 1px solid var(--line); padding: 10px 16px 12px 44px; font-size: 14px; color: var(--body); }
.fine { margin: 0; font-size: 12.5px; color: var(--muted); }

/* panels */
.panel { background: var(--surface); border-radius: 6px; padding: 20px; display: flex; flex-direction: column; gap: 10px; }
.panel h2, .box h2 { margin: 0; font-size: 19px; font-weight: 700; }
.panel p { margin: 0; color: var(--body); }
.box { border: 1px solid var(--line); border-radius: 6px; padding: 20px; display: flex; flex-direction: column; gap: 12px; }
.box p { margin: 0; }
.bars { display: flex; flex-direction: column; gap: 8px; }
.bar-row { display: grid; grid-template-columns: 92px minmax(0, 1fr) 76px; gap: 12px; align-items: center; }
.bar-row > span:first-child { font-size: 14px; color: var(--muted); }
.bar-row > span:last-child { font-weight: 700; text-align: right; }
.track { height: 14px; background: var(--line); border-radius: 2px; }
.fill { height: 14px; background: var(--accent); border-radius: 2px; }
.fill.dim { background: var(--muted); opacity: 0.55; }
.calc-steps { display: flex; flex-wrap: wrap; gap: 10px; align-items: center; }
.calc-steps .cell { border: 1px solid var(--line); border-radius: 4px; padding: 10px 14px; }
.calc-steps .cell.result { border: 2px solid var(--accent); }
.calc-steps .cell div:first-child { font-size: 12px; color: var(--muted); }
.calc-steps .cell div:last-child { font-weight: 700; font-size: 18px; }
.calc-steps .op { color: var(--muted); }

/* tables */
.table-wrap { overflow-x: auto; }
table { width: 100%; border-collapse: collapse; font-size: 15px; }
th { text-align: left; padding: 9px 10px; border-bottom: 1px solid var(--line-strong); font-size: 12.5px; color: var(--muted); font-weight: 600; }
td { padding: 10px; border-bottom: 1px solid var(--line); vertical-align: top; }
.num { text-align: right; }

/* guides (Q&A) */
.guides h2 { margin: 0; font-size: 24px; font-weight: 700; }
.guides > p { margin: 0 0 6px; font-size: 14px; color: var(--muted); }
.guide { border-top: 1px solid var(--line); padding-block: 16px; }
.guide summary { cursor: pointer; display: flex; justify-content: space-between; gap: 16px; align-items: baseline; list-style: none; }
.guide summary::-webkit-details-marker { display: none; }
.guide summary h3 { margin: 0; font-size: 17px; font-weight: 700; line-height: 1.35; }
.guide summary h3::before { content: "+"; display: inline-block; width: 18px; color: var(--muted); font-weight: 600; }
.guide[open] summary h3::before { content: "–"; }
.guide summary span { font-size: 12px; color: var(--muted); white-space: nowrap; }
.guide-body { display: flex; flex-direction: column; gap: 10px; padding: 10px 0 0 18px; max-width: 740px; }
.guide-body p { margin: 0; color: var(--body); }
.guide-body p.answer { font-weight: 500; color: var(--ink); }

/* people */
.people { display: flex; flex-wrap: wrap; gap: 20px; padding-top: 18px; border-top: 1px solid var(--line); font-size: 14px; }
.person { display: flex; gap: 10px; align-items: center; flex: 1 1 260px; }
.avatar { width: 40px; height: 40px; border-radius: 50%; background: var(--line); flex: none; display: flex; align-items: center; justify-content: center; font-weight: 700; color: var(--muted); font-size: 14px; }

/* home */
.home-hero { padding-block: 40px 8px; display: flex; flex-direction: column; gap: 12px; }
.home-hero h1 { margin: 0; font-size: clamp(30px, 5vw, 44px); line-height: 1.12; font-weight: 800; letter-spacing: -0.02em; max-width: 18em; }
.verticals { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); border-top: 2px solid var(--ink); }
.vertical { padding: 18px 18px 20px 0; border-bottom: 1px solid var(--line); display: flex; flex-direction: column; gap: 6px; }
.vertical h2 { margin: 0; font-size: 19px; }
.vertical p { margin: 0; color: var(--body); font-size: 15px; }
.vertical a.go { font-weight: 700; font-size: 15px; text-decoration: none; }
.section-title { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; flex-wrap: wrap; border-bottom: 2px solid var(--ink); padding-bottom: 6px; }
.section-title h2 { margin: 0; font-size: 22px; }
.post-list { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); column-gap: 32px; }
.post-list li { border-bottom: 1px solid var(--line); padding-block: 16px; display: flex; flex-direction: column; gap: 4px; }
.post-list .cat { font-size: 12px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.06em; color: var(--accent); }
.post-list a.t { font-size: 18px; font-weight: 700; color: var(--ink); text-decoration: none; line-height: 1.35; }
.post-list a.t:hover { color: var(--link); text-decoration: underline; }
.post-list p { margin: 0; font-size: 15px; color: var(--body); }
.post-list .meta { font-size: 12.5px; color: var(--muted); }
.two-col { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 24px; }

/* article */
.article-head { display: flex; flex-direction: column; gap: 10px; padding-top: 8px; }
.article-layout { display: grid; grid-template-columns: minmax(0, 1fr) 280px; gap: 48px; align-items: start; }
.prose { font-size: 17.5px; line-height: 1.7; color: var(--body); min-width: 0; }
.prose > *:first-child { margin-top: 0; }
.prose p, .prose ul, .prose ol { margin: 0 0 18px; }
.prose li { margin-bottom: 6px; }
.prose strong { color: var(--ink); }
.prose h2 { font-size: 24px; line-height: 1.25; margin: 36px 0 12px; }
.prose h3 { font-size: 19px; margin: 26px 0 8px; }
.prose table { font-size: 15px; margin: 6px 0 22px; }
.prose .table-wrap { margin-bottom: 22px; }
.prose .table-wrap table { margin: 0; }
.aside { position: sticky; top: 16px; display: flex; flex-direction: column; gap: 16px; }
.cta-box { border: 1px solid var(--line-strong); border-radius: 6px; padding: 18px; display: flex; flex-direction: column; gap: 10px; }
.cta-box h2 { margin: 0; font-size: 17px; }
.cta-box p { margin: 0; font-size: 14px; color: var(--body); }
.related { display: flex; flex-direction: column; gap: 8px; font-size: 15px; }
.related h2 { margin: 0; font-size: 13px; text-transform: uppercase; letter-spacing: 0.06em; color: var(--muted); }

/* plain pages */
.doc { max-width: 720px; }
.doc h2 { font-size: 21px; margin: 30px 0 8px; }
.doc p, .doc ul { margin: 0 0 14px; color: var(--body); }

/* footer */
.site-footer { background: var(--band); border-top: 1px solid var(--line); padding-block: 32px; font-size: 13px; color: var(--muted); }
.site-footer .wrap { display: flex; flex-direction: column; gap: 14px; }
.site-footer p { margin: 0; }
.site-footer strong { color: var(--ink); }
.foot-links { display: flex; gap: 18px; flex-wrap: wrap; font-size: 14px; }
.foot-links span { font-weight: 700; color: var(--ink); }

@media (max-width: 860px) {
  .article-layout { grid-template-columns: minmax(0, 1fr); }
  .aside { position: static; }
}
@media (max-width: 520px) {
  .sum-cell { border-right: 0; border-bottom: 1px solid var(--line); padding: 10px 16px; }
  .sum-cell:last-child { border-bottom: 0; }
  .sum-num { font-size: 24px; }
  .site-header .wrap { gap: 0; }
  .logo { padding-block: 12px 4px; }
  .main-nav { width: 100%; flex-wrap: nowrap; gap: 18px; overflow-x: auto; scrollbar-width: none; }
  .main-nav a { padding: 8px 0 9px; white-space: nowrap; }
  .offer-note { padding-left: 16px; }
  .bar-row { grid-template-columns: 70px minmax(0, 1fr) 70px; }
  .offer-cta { flex: 1 1 100%; }
}
@media (prefers-reduced-motion: reduce) { * { scroll-behavior: auto !important; } }