/* Quiet, scan-first treatment for educational, review, and policy pages. */
.edu-page main{overflow:visible}
.edu-page .crumb{padding-top:18px}
.edu-page .edu-hero{padding:34px 0 42px}
.edu-page .edu-hero h1{font-size:clamp(44px,6.2vw,72px);max-width:12ch}
.edu-page .edu-hero .lede{max-width:34em;margin-bottom:0}
.edu-page .edu-meta{display:flex;gap:10px;flex-wrap:wrap;margin-top:22px}
.edu-page .edu-meta span{padding:7px 11px;border-radius:99px;background:var(--sage);font-size:12px;font-weight:700;color:var(--ink-soft)}
.edu-page .edu-section{padding:58px 0}
.edu-page .edu-section+.edu-section{border-top:1px solid var(--line)}
.edu-page .edu-section--soft{background:var(--sage);border:0}
.edu-page .section-title{max-width:620px;margin-bottom:26px}
.edu-page .section-title h2{font-size:clamp(32px,4vw,48px)}
.edu-page .section-title p{color:var(--ink-soft);margin:0}
.learn-sidebar{z-index:40;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);border:1px solid var(--line);border-radius:8px;padding:14px;box-shadow:0 14px 34px rgba(8,42,37,.1)}
.learn-sidebar strong{display:block;font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:#4d8067;margin:0 0 12px}
.learn-sidebar nav{display:grid;gap:13px}
.learn-sidebar section{display:grid;gap:3px}
.learn-sidebar h4{font-family:var(--body);font-size:11px;line-height:1.2;letter-spacing:.11em;text-transform:uppercase;color:#6a8279;margin:0 0 3px}
.learn-sidebar a{display:block;text-decoration:none;color:var(--ink-deep);border-radius:6px;padding:6px 8px;font-size:13px;font-weight:800;line-height:1.2}
.learn-sidebar a:hover{background:var(--sage)}
.learn-sidebar a[aria-current="page"]{background:var(--ink-deep);color:#fff}
.learn-sidebar__cta{margin-top:13px;background:var(--mint);color:var(--ink-deep)!important;font-weight:900;text-align:center;padding:10px 8px!important}
.lesson-stack{display:grid;gap:18px}
.lesson{display:grid;grid-template-columns:68px 1fr;gap:18px;align-items:start;background:#fff;border:1px solid var(--line);border-radius:12px;padding:22px}
.lesson__icon{width:68px;height:68px;border-radius:50%;display:grid;place-items:center;background:var(--sage);font-weight:900;font-size:22px;color:var(--ink)}
.lesson h3{font-size:27px;margin:0 0 7px}
.lesson p{font-size:15px;line-height:1.58;color:var(--ink-soft);margin:0}
.lesson--mint{background:var(--mint);border-color:var(--mint)}.lesson--mint p{color:#244c3f}
.story-diagram{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:8px;align-items:stretch}
.story-node{display:grid;align-content:center;min-height:118px;background:#fff;border:1px solid var(--line);border-radius:10px;padding:16px;text-align:center}
.story-node b{display:block;font-family:var(--display);font-size:24px;font-weight:500;line-height:1.05;margin-bottom:5px}
.story-node span{font-size:12px;font-weight:700;color:var(--ink-soft);line-height:1.35}
.story-arrow{display:grid;place-items:center;color:#4f7b67;font-weight:900}
.money-map{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.money-card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:24px}
.money-card h3{font-size:28px;margin:0 0 12px}
.money-card ul{margin:0;padding-left:19px;color:var(--ink-soft);font-size:15px}
.money-card li+li{margin-top:8px}
.kid-diagram{display:grid;grid-template-columns:1fr auto 1fr;gap:14px;align-items:center;margin:20px 0}
.kid-box{background:#fff;border:1px solid var(--line);border-radius:12px;padding:22px;text-align:center}
.kid-box strong{display:block;font-family:var(--display);font-size:29px;font-weight:500;line-height:1.05;margin-bottom:8px}
.kid-box span{font-size:14px;color:var(--ink-soft);line-height:1.45}
.kid-plus{width:48px;height:48px;border-radius:50%;display:grid;place-items:center;background:var(--mint);font-weight:900}
.answer-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}
.answer-card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:24px}
.answer-card h3{font-size:26px;margin:0 0 10px}
.answer-card p{font-size:15px;line-height:1.57;color:var(--ink-soft);margin:0}
.answer-card strong{color:var(--ink-deep)}
.path-list{counter-reset:path;display:grid;gap:12px}
.path-item{counter-increment:path;display:grid;grid-template-columns:42px 1fr;gap:14px;background:#fff;border:1px solid var(--line);border-radius:10px;padding:18px}
.path-item::before{content:counter(path);width:42px;height:42px;border-radius:50%;display:grid;place-items:center;background:var(--mint);font-weight:900}
.path-item h3{font-size:24px;margin:0 0 5px}
.path-item p{font-size:15px;color:var(--ink-soft);margin:0}
.visual-flow{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:10px}
.visual-step{position:relative;min-height:164px;background:#fff;border:1px solid var(--line);border-radius:12px;padding:20px;overflow:hidden}
.visual-step::after{content:'';position:absolute;left:20px;right:20px;bottom:17px;height:7px;border-radius:99px;background:var(--sage)}
.visual-step b{display:block;font-family:var(--display);font-size:27px;font-weight:500;line-height:1.05;margin-bottom:8px;max-width:8ch}
.visual-step span{display:block;font-size:13px;font-weight:700;color:var(--ink-soft);line-height:1.35;max-width:18ch}
.visual-step i{position:absolute;right:18px;top:18px;width:42px;height:42px;border-radius:50%;background:var(--mint);display:grid;place-items:center;font-style:normal;font-weight:900}
.visual-step--hold::after{background:linear-gradient(90deg,var(--mint) 66%,var(--sage) 66%)}
.visual-step--income::after{background:repeating-linear-gradient(90deg,var(--mint) 0 18px,var(--sage) 18px 26px)}
.visual-step--danger{border-top:4px solid #cb655b}
.mini-motion{height:154px;border:1px solid var(--line);border-radius:12px;background:#fff;position:relative;overflow:hidden;margin-top:18px}
.mini-motion__track{position:absolute;left:24px;right:24px;top:50%;height:8px;transform:translateY(-50%);border-radius:99px;background:var(--sage)}
.mini-motion__dot{position:absolute;top:50%;left:24px;width:34px;height:34px;margin-top:-17px;border-radius:50%;background:var(--mint);box-shadow:0 9px 22px rgba(8,42,37,.18);animation:learnDot 4.8s ease-in-out infinite}
.mini-motion__label{position:absolute;left:24px;right:24px;bottom:20px;display:flex;justify-content:space-between;gap:12px;font-size:12px;font-weight:800;color:var(--ink-soft)}
@keyframes learnDot{0%,100%{left:24px}45%,55%{left:calc(100% - 58px)}}
.value-visual{display:grid;grid-template-columns:1fr 1fr;gap:14px;align-items:stretch}
.value-panel{background:#fff;border:1px solid var(--line);border-radius:12px;padding:22px}
.value-panel h3{font-size:27px;margin:0 0 15px}
.value-row{display:grid;grid-template-columns:90px 1fr;gap:12px;align-items:center;margin:12px 0}
.value-row span{font-size:12px;font-weight:800;color:var(--ink-soft)}
.value-row i{display:block;height:12px;border-radius:99px;background:var(--sage);overflow:hidden}
.value-row i::after{content:'';display:block;width:var(--w);height:100%;border-radius:inherit;background:var(--mint-dark)}
.picture-lesson{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:26px;align-items:center}
.picture-lesson figure{margin:0;border-radius:12px;overflow:hidden;background:var(--sage);min-height:360px}
.picture-lesson img{width:100%;height:100%;object-fit:cover}
.picture-lesson .lesson-stack{gap:12px}
.picture-lesson .lesson{padding:18px}
.diagram-panel{background:#fff;border:1px solid var(--line);border-radius:12px;padding:24px;box-shadow:0 8px 26px rgba(8,42,37,.06)}
.diagram-panel svg{width:100%;height:auto;display:block}
.diagram-img{display:block;width:100%;height:auto}
.diagram-img--card{margin-bottom:12px}
.diagram-panel text{font-family:var(--body);fill:var(--ink-deep)}
.diagram-panel .dg-title{font-family:var(--display);font-size:24px;font-weight:500}
.diagram-panel .dg-label{font-size:13px;font-weight:800}
.diagram-panel .dg-small{font-size:11px;fill:var(--ink-soft);font-weight:700}
.diagram-panel .dg-box{fill:#fff;stroke:#cbdad1;stroke-width:2}
.diagram-panel .dg-soft{fill:#eef6ef;stroke:#cbdad1;stroke-width:2}
.diagram-panel .dg-ink{fill:#082a25}
.diagram-panel .dg-mint{fill:#bdf36f}
.diagram-panel .dg-line{stroke:#4f8068;stroke-width:3;fill:none;stroke-linecap:round;stroke-linejoin:round}
.diagram-panel .dg-dash{stroke:#78978b;stroke-width:2;fill:none;stroke-dasharray:7 7;stroke-linecap:round}
.diagram-caption{display:grid;grid-template-columns:1fr auto;gap:18px;align-items:center;margin-top:14px;font-size:14px;color:var(--ink-soft)}
.diagram-caption strong{color:var(--ink-deep)}
.diagram-caption .btn{min-height:42px;padding:11px 15px;font-size:13px;background:var(--mint);color:var(--ink-deep)}
.diagram-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.diagram-card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px}
.diagram-card h3{font-size:25px;margin:0 0 10px}
.diagram-card svg{width:100%;height:auto;display:block;margin-bottom:12px}
.diagram-card p{font-size:14px;line-height:1.45;color:var(--ink-soft);margin:0}
.learning-road{display:grid;grid-template-columns:repeat(5,1fr);gap:8px}
.learning-road a{position:relative;min-height:108px;background:#fff;border:1px solid var(--line);border-radius:10px;padding:16px;text-decoration:none;color:var(--ink-deep)}
.learning-road a::before{content:attr(data-step);display:grid;place-items:center;width:30px;height:30px;border-radius:50%;background:var(--mint);font-size:12px;font-weight:900;margin-bottom:14px}
.learning-road strong{display:block;font-size:15px;line-height:1.2}
.learning-road span{display:block;margin-top:5px;font-size:12px;line-height:1.3;color:var(--ink-soft)}
.edu-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}
.edu-grid--2{grid-template-columns:repeat(2,minmax(0,1fr))}
.edu-card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:24px;min-width:0}
.edu-card h2,.edu-card h3{font-size:26px;margin:0 0 10px}
.edu-card p{font-size:15px;line-height:1.55;color:var(--ink-soft);margin-bottom:0}
.edu-card ul{padding-left:18px;margin:10px 0 0;color:var(--ink-soft);font-size:15px}
.edu-card li+li{margin-top:7px}
.edu-card--ink{background:var(--ink-deep);border-color:var(--ink-deep);color:#fff}
.edu-card--ink h2,.edu-card--ink h3{color:#fff}.edu-card--ink p,.edu-card--ink li{color:rgba(255,255,255,.72)}
.edu-card--mint{background:var(--mint);border-color:var(--mint)}
.edu-number{width:36px;height:36px;display:grid;place-items:center;border-radius:50%;background:var(--sage);font-weight:800;font-size:13px;margin-bottom:24px;color:var(--ink)}
.edu-card--ink .edu-number{background:var(--mint);color:var(--ink-deep)}
.exchange{display:grid;grid-template-columns:1fr 56px 1fr;gap:16px;align-items:center}
.exchange__box{min-height:210px;padding:32px;border:1px solid var(--line);background:#fff;display:flex;flex-direction:column;justify-content:center}
.exchange__box span{display:block;font-size:12px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:#4e8065;margin-bottom:10px}
.exchange__box strong{font-family:var(--display);font-size:34px;font-weight:500;line-height:1.04}
.exchange__arrow{width:56px;height:56px;border-radius:50%;display:grid;place-items:center;background:var(--mint);font-size:25px}
.phase-flow{display:grid;grid-template-columns:1fr 70px 1fr;gap:16px;align-items:stretch}
.phase-card{padding:30px;background:#fff;border:1px solid var(--line);border-radius:12px}
.phase-card b{display:block;font-family:var(--display);font-size:31px;font-weight:500;margin-bottom:8px}
.phase-card p{color:var(--ink-soft);margin:0;font-size:15px}
.phase-arrow{display:grid;place-items:center;color:#4f7b67;font-weight:800}
.trade-strip{display:grid;grid-template-columns:1fr auto 1fr;align-items:center;gap:18px;background:var(--ink-deep);color:#fff;padding:30px;border-radius:12px}
.trade-strip strong{font-family:var(--display);font-size:30px;font-weight:500}.trade-strip span{color:var(--mint);font-weight:800;text-transform:uppercase;letter-spacing:.12em;font-size:11px}
.product-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1px;background:var(--line);border:1px solid var(--line)}
.product{background:#fff;padding:28px;position:relative}
.product .pill{display:inline-block;margin-bottom:22px}.product h2{font-size:31px}.product>p{color:var(--ink-soft);font-size:15px}
.product dl{margin:22px 0 0}.product dt{font-size:11px;text-transform:uppercase;letter-spacing:.1em;font-weight:800;color:#688377}.product dd{margin:2px 0 15px;font-weight:700}
.mini-diagram{display:grid;grid-template-columns:1fr auto 1fr;gap:8px;align-items:center;margin:22px 0;padding:14px;background:var(--sage);border-radius:8px;text-align:center;font-size:12px;font-weight:700}
.fit-pair{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:20px}
.fit-box{padding:16px;background:#f0f8f1;border-radius:8px;font-size:14px}.fit-box--no{background:#fff1ef}.fit-box strong{display:block;margin-bottom:4px}
.rate-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.rate-card{padding:24px;background:#fff;border:1px solid var(--line);border-radius:12px}.rate-card strong{display:block;font-family:var(--display);font-weight:500;font-size:38px;line-height:1;color:var(--ink)}.rate-card span{font-size:13px;color:var(--ink-soft)}
.rate-bar{height:9px;border-radius:99px;background:var(--sage);overflow:hidden;margin:18px 0 12px}.rate-bar i{display:block;height:100%;background:var(--mint-dark);border-radius:inherit}
.red-flag-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.red-flag{padding:22px;background:#fff;border:1px solid var(--line);border-top:4px solid #cb655b}.red-flag strong{display:block;font-size:17px;line-height:1.25;margin-bottom:7px}.red-flag span{font-size:14px;color:var(--ink-soft);line-height:1.45}
.one-line-test{background:var(--ink-deep);color:#fff;padding:38px;border-radius:12px;text-align:center}.one-line-test p{font-family:var(--display);font-size:clamp(28px,4vw,42px);line-height:1.12;margin:0 auto;max-width:23ch}.one-line-test em{color:var(--mint)}
.faq-groups{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}.faq-group{background:#fff;border:1px solid var(--line);padding:8px 18px 16px}.faq-group h2{font-size:27px;padding:18px 3px 12px;margin:0}.faq-group details{background:transparent}.faq-group summary{padding:17px 3px}.faq-group details .body{padding:0 3px 16px;font-size:15px}
.process-line{display:grid;grid-template-columns:repeat(4,1fr);gap:0;counter-reset:step}.process-step{position:relative;padding:26px 20px 22px;border-top:3px solid var(--mint-dark);counter-increment:step}.process-step::before{content:counter(step);position:absolute;top:-18px;left:20px;width:34px;height:34px;border-radius:50%;display:grid;place-items:center;background:var(--mint);font-weight:800;font-size:12px}.process-step h3{font-size:24px;margin:22px 0 7px}.process-step p{font-size:14px;color:var(--ink-soft);margin:0}
.legal-page article>h2,.review-page article>h2{font-size:30px;margin-top:46px}
.legal-page article>p,.legal-page article>ul{font-size:15px;line-height:1.65;color:var(--ink-soft)}
.legal-page .legal-toc{display:flex;flex-wrap:wrap;gap:8px;margin:24px 0 34px}.legal-page .legal-toc a{padding:8px 12px;background:var(--sage);border-radius:99px;font-size:12px;font-weight:700;text-decoration:none}
.legal-page .warn{font-size:14px}
.review-page .review-verdict{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:22px 0}.review-page .review-verdict>div{padding:22px;background:var(--sage);border-radius:10px}.review-page .review-verdict strong{display:block;font-size:12px;text-transform:uppercase;letter-spacing:.1em;margin-bottom:8px}.review-page .review-verdict p{margin:0;font-size:15px;color:var(--ink-soft)}
.review-page article>p,.review-page article>ul{font-size:15px;color:var(--ink-soft)}
.review-page .tbl-wrap{margin-top:18px}
.edu-cta{display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center;background:var(--ink-deep);color:#fff;padding:34px;margin-top:40px}.edu-cta h2{font-size:29px;color:#fff;margin:0 0 5px}.edu-cta p{font-size:15px;color:rgba(255,255,255,.7);margin:0}.edu-cta .btn{background:var(--mint);color:var(--ink-deep);white-space:nowrap}
.compact-disclosure{font-size:11px!important;line-height:1.55!important;color:var(--ink-soft)!important;background:var(--sage);padding:18px;margin-top:28px}
@media(min-width:1180px){.learn-sidebar{position:fixed;top:98px;left:max(18px,calc((100vw - 1180px)/2 - 238px));width:224px;max-height:calc(100vh - 122px);overflow:auto}}
@media(min-width:900px) and (max-width:1179px){.learn-sidebar{position:fixed;top:92px;left:16px;width:208px;max-height:calc(100vh - 112px);overflow:auto}.edu-page .read{margin-left:260px;margin-right:auto}.edu-page .wrap{width:min(calc(100% - 300px),900px);margin-left:260px;margin-right:40px}}
@media(max-width:899px){.learn-sidebar{position:sticky;top:76px;width:min(100% - 32px,360px);margin:12px 16px 0}.learn-sidebar nav{max-height:230px;overflow:auto}.learn-sidebar__cta{display:none!important}}
@media(max-width:900px){.edu-grid,.red-flag-grid,.rate-cards,.product-grid,.answer-grid,.money-map,.value-visual{grid-template-columns:1fr 1fr}.visual-flow{grid-template-columns:1fr 1fr}.diagram-grid{grid-template-columns:1fr}.learning-road{grid-template-columns:1fr 1fr}.process-line{grid-template-columns:1fr 1fr}.exchange,.phase-flow,.story-diagram,.picture-lesson{grid-template-columns:1fr}.exchange__arrow,.story-arrow{margin:auto;transform:rotate(90deg)}.phase-arrow{min-height:34px;transform:rotate(90deg)}.kid-diagram{grid-template-columns:1fr}.kid-plus{margin:auto}}
@media(max-width:680px){.edu-page .edu-hero{padding:24px 0 32px}.edu-page .edu-section{padding:44px 0}.learn-sidebar{padding:12px}.learn-sidebar a{padding:6px 7px}.diagram-panel{padding:14px}.diagram-caption{grid-template-columns:1fr}.edu-grid,.edu-grid--2,.red-flag-grid,.rate-cards,.product-grid,.faq-groups,.review-page .review-verdict,.answer-grid,.money-map,.visual-flow,.value-visual,.learning-road{grid-template-columns:1fr}.process-line{grid-template-columns:1fr}.trade-strip{grid-template-columns:1fr;text-align:center}.edu-cta{grid-template-columns:1fr;text-align:center}.edu-cta .btn{width:100%}.fit-pair{grid-template-columns:1fr}.legal-page article>h2,.review-page article>h2{margin-top:34px}.lesson{grid-template-columns:1fr}.lesson__icon{width:54px;height:54px;font-size:18px}.picture-lesson figure{min-height:260px}}
@media(prefers-reduced-motion:reduce){.mini-motion__dot{animation:none;left:calc(100% - 58px)}}

.edu-textbook [data-lesson]{display:none}
.edu-textbook [data-lesson].is-active{display:block}
.edu-textbook [data-goto]:hover{background:var(--sage)!important}
.edu-textbook [data-goto][aria-current="page"]{background:var(--ink-deep)!important;color:#fff!important}
.edu-textbook article[hidden]{display:none!important}
.edu-textbook article [style*="justify-content:space-between"]{flex-wrap:wrap}
.edu-textbook article [style*="white-space:nowrap"]{white-space:normal!important}
@media(max-width:960px){
  .edu-textbook main{display:block!important;width:min(100% - 32px,var(--wide))!important}
  .edu-textbook main>aside{position:sticky!important;top:76px!important;width:100%!important;max-height:none!important;margin:12px 0 24px!important;z-index:30}
  .edu-textbook main>aside nav{max-height:230px;overflow:auto}
  .edu-textbook main>div{max-width:none!important}
}
@media(max-width:760px){
  .edu-textbook article{padding:30px 0 58px!important}
  .edu-textbook article [style*="padding:32px"]{padding:22px!important}
  .edu-textbook article [style*="padding:36px"]{padding:24px!important}
  .edu-textbook article [style*="grid-template-columns:repeat(3"]{grid-template-columns:1fr!important}
  .edu-textbook article [style*="grid-template-columns:repeat(2"]{grid-template-columns:1fr!important}
  .edu-textbook article [style*="grid-template-columns:minmax"]{grid-template-columns:1fr!important}
  .edu-textbook article [style*="grid-template-columns:220px"]{grid-template-columns:1fr!important}
  .edu-textbook article [style*="grid-template-columns:90px"]{grid-template-columns:1fr!important}
  .edu-textbook article [style*="grid-template-columns:38px"]{grid-template-columns:38px minmax(0,1fr)!important}
  .edu-textbook article [style*="border-left:1px solid"]{border-left:0!important}
  .edu-textbook article [style*="padding:22px 0 4px 22px"]{padding:22px 0 4px!important}
  .edu-textbook article img{min-height:0!important}
}