:root{--color-primary: #1C3030;--color-primary-dark: #132424;--color-accent: #1A7A6E;--color-accent-soft: #DDEDEA;--color-bg: #F5F7F7;--color-surface: #FFFFFF;--color-surface-muted: #EEF2F2;--color-border: #DDE3E3;--color-text: #1C3030;--color-muted: #5F6F6F;--color-dividend: #C9A84C;--color-dividend-soft: #F7F0D4;--shadow-card: 0 18px 45px rgba(19, 36, 36, .08);--shadow-soft: 0 10px 28px rgba(19, 36, 36, .06);--radius-lg: 20px;--radius-md: 14px;--radius-sm: 10px;--container: 1160px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:radial-gradient(circle at 21% 14%,rgba(221,237,234,.72),transparent 25rem),radial-gradient(circle at 78% 0%,rgba(247,240,212,.36),transparent 24rem),linear-gradient(180deg,#fbfdfd 0%,var(--color-bg) 46%,#ffffff 100%);color:var(--color-text);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif;line-height:1.6;text-rendering:optimizeLegibility}a{color:var(--color-accent);text-decoration:none}a:hover{text-decoration:underline;text-underline-offset:3px}img,svg{max-width:100%;height:auto}button,input,textarea{font:inherit}.skip-link{position:absolute;left:-999px;top:10px;background:var(--color-surface);color:var(--color-primary);padding:10px 14px;border-radius:10px;z-index:1000}.skip-link:focus{left:10px}.container{width:min(var(--container),calc(100% - 40px));margin-inline:auto}.section{padding:56px 0}.section-tight{padding:24px 0}.site-header{background:linear-gradient(90deg,#102424 0%,var(--color-primary-dark) 48%,#0f3332 100%);color:#fff;position:sticky;top:0;z-index:50;box-shadow:0 1px #ffffff14,0 14px 34px #13242424}.header-inner{min-height:74px;display:flex;align-items:center;justify-content:space-between;gap:24px}.logo{color:#fff;font-family:Georgia,Times New Roman,serif;font-size:clamp(1.65rem,3vw,2.05rem);font-weight:700;letter-spacing:-.045em;text-decoration:none;white-space:nowrap}.logo span{color:var(--color-accent)}.nav{display:flex;align-items:center;gap:25px}.nav a{color:#ffffffe0;font-weight:650;font-size:.95rem}.nav a:hover{color:#fff}.header-actions{display:flex;gap:12px;align-items:center}.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;border-radius:11px;min-height:46px;padding:0 18px;border:1px solid transparent;font-weight:760;text-decoration:none;cursor:pointer;transition:transform .15s ease,box-shadow .15s ease,background .15s ease,border-color .15s ease}.btn:hover{transform:translateY(-1px);text-decoration:none}.btn-primary{background:var(--color-accent);color:#fff;box-shadow:0 12px 24px #1a7a6e38}.btn-primary:hover{background:#146a60}.btn-header{background:linear-gradient(180deg,#1d9284,var(--color-accent));color:#fff;box-shadow:0 12px 24px #1a7a6e3d}.btn-outline{background:#ffffff14;color:#fff;border-color:#ffffff42}.btn-outline-dark{background:#ffffffc2;color:var(--color-primary);border-color:#b9c7c7}.btn-outline-dark:hover{background:#fff;border-color:var(--color-accent)}.btn-gold{background:var(--color-dividend-soft);color:#7a5b10;border-color:#c9a84c61}.hero{padding:64px 0 22px;position:relative;overflow:hidden}.hero:before{content:"";position:absolute;inset:0;pointer-events:none;opacity:.45;background-image:radial-gradient(circle,rgba(26,122,110,.16) 1.1px,transparent 1.2px);background-size:13px 13px;mask-image:radial-gradient(ellipse at 31% 44%,#000 0%,#000 20%,transparent 50%)}.hero-grid{position:relative;display:grid;grid-template-columns:minmax(0,1.02fr) minmax(420px,.98fr);gap:54px;align-items:center}.hero-copy{max-width:640px}.eyebrow{display:inline-flex;align-items:center;gap:8px;background:var(--color-accent-soft);color:var(--color-accent);padding:7px 11px;border-radius:999px;font-weight:800;font-size:.83rem;letter-spacing:.02em}h1,h2,h3{color:var(--color-text);line-height:1.1}h1{font-family:Georgia,Times New Roman,serif;font-size:clamp(2.55rem,5.1vw,4.35rem);line-height:1.03;letter-spacing:-.06em;margin:0 0 22px}h2{font-family:Georgia,Times New Roman,serif;font-size:clamp(2rem,4vw,3.2rem);letter-spacing:-.055em;margin:0 0 14px}h3{font-size:1.2rem;margin:0 0 8px}p{margin:0 0 16px}.lead{font-size:clamp(1.05rem,1.75vw,1.23rem);color:var(--color-muted);max-width:560px;line-height:1.56}.hero-actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:32px}.card{background:#fffffff0;border:1px solid var(--color-border);border-radius:var(--radius-lg);box-shadow:var(--shadow-card)}.dashboard-card{padding:24px}.card-row{display:flex;align-items:start;justify-content:space-between;gap:18px}.info-dot{display:inline-grid;place-items:center;width:17px;height:17px;border-radius:50%;border:1px solid #b8c5c5;color:var(--color-muted);font-size:.72rem;font-family:Inter,sans-serif;vertical-align:middle}.pill{display:inline-flex;align-items:center;gap:8px;padding:7px 10px;border-radius:999px;background:var(--color-surface-muted);color:var(--color-muted);border:1px solid var(--color-border);font-size:.82rem;font-weight:750;white-space:nowrap}.pill-muted{background:var(--color-accent-soft);color:var(--color-primary);border-color:#1a7a6e1f}.pill-gold{background:var(--color-dividend-soft);color:#7a5b10;border-color:#c9a84c59}.chips{display:flex;gap:8px;margin:18px 0}.chip{border:1px solid var(--color-border);background:#fff;color:var(--color-primary);padding:7px 14px;border-radius:10px;font-weight:750;min-width:48px;text-align:center;cursor:pointer;transition:background .15s ease,border-color .15s ease,color .15s ease,transform .15s ease}.chip:hover{border-color:var(--color-accent);transform:translateY(-1px)}.chip:focus-visible{outline:3px solid rgba(26,122,110,.28);outline-offset:3px}.chip.active,.chip[aria-pressed=true]{background:var(--color-accent);color:#fff;border-color:var(--color-accent)}.snapshot-grid{display:grid;grid-template-columns:.66fr 1fr;gap:18px;align-items:center}.big-stat{font-size:clamp(2.1rem,4vw,3rem);font-weight:850;color:var(--color-accent);letter-spacing:-.06em;line-height:1;margin:9px 0 10px}.change-pill{display:inline-flex;align-items:center;gap:6px;color:var(--color-accent);background:var(--color-accent-soft);border-radius:999px;padding:4px 9px;font-size:.78rem;font-weight:800}.change-pill span{color:var(--color-muted);font-weight:650}.change-pill .change-arrow,.change-pill .change-value{color:var(--color-accent);font-weight:800}.stat-caption{color:var(--color-muted);font-weight:650;margin-bottom:2px}.stat-grid{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid var(--color-border);margin-top:22px;padding-top:18px;gap:18px}.stat-grid>div:not(:last-child){border-right:1px solid var(--color-border);padding-right:10px}.stat-grid strong{display:block;font-size:1.08rem;color:var(--color-text)}.stat-grid span{color:var(--color-muted);font-size:.86rem}.chart{min-height:176px;border-radius:16px;background:linear-gradient(180deg,#ddedeaa6,#ffffff94);border:1px solid var(--color-border);display:flex;align-items:center;justify-content:center;overflow:hidden}.interactive-chart{position:relative;cursor:crosshair;touch-action:pan-y}.interactive-chart:focus-visible{outline:3px solid rgba(26,122,110,.28);outline-offset:3px}.chart-svg-wrap{width:100%;height:100%;display:flex;align-items:center;justify-content:center}.chart-svg-wrap svg{width:100%;height:auto;display:block}.chart-point{fill:var(--color-accent);stroke:#fff;stroke-width:2;opacity:.34;transition:opacity .15s ease,r .15s ease}.chart-point.is-active{opacity:1}.chart-tooltip{position:absolute;z-index:2;transform:translate(-50%,-100%);border:1px solid rgba(26,122,110,.24);border-radius:10px;background:#fffffff5;box-shadow:var(--shadow-soft);color:var(--color-text);padding:7px 9px;min-width:128px;pointer-events:none;text-align:left}.chart-tooltip strong{display:block;font-size:.78rem;line-height:1.1}.chart-tooltip span{display:block;color:var(--color-muted);font-size:.74rem;line-height:1.25;margin-top:3px}.market-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:20px}.market-card{padding:22px}.market-card-head{display:flex;align-items:start;justify-content:space-between;gap:14px}.market-icon{width:62px;height:62px;border-radius:50%;display:grid;place-items:center;background:radial-gradient(circle at 30% 20%,#ffffff,var(--color-accent-soft));color:var(--color-primary);font-size:1.8rem;box-shadow:inset 0 0 0 1px #1a7a6e1f}.market-title{font-family:Georgia,Times New Roman,serif;font-size:1.55rem;font-weight:700;letter-spacing:-.04em}.benchmark{color:var(--color-accent);font-weight:850}.yield-badge{min-width:72px;text-align:center;background:var(--color-dividend-soft);border:1px solid rgba(201,168,76,.35);border-radius:11px;padding:7px 9px;color:#7a5b10}.yield-badge span{display:block;font-weight:850;font-size:1.02rem;line-height:1}.yield-badge small{display:block;color:var(--color-muted);margin-top:5px;font-size:.75rem}.mini-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;border-top:1px solid var(--color-border);margin-top:18px;padding-top:16px}.mini-stats span{color:var(--color-muted);font-size:.78rem;display:block}.mini-stats strong{color:var(--color-text);display:block}.panel{padding:24px}.panel-header{display:flex;align-items:end;justify-content:space-between;gap:18px;margin-bottom:16px}.panel h2{font-size:clamp(1.75rem,3vw,2.3rem);margin:0}.table-wrap{overflow-x:auto;border:1px solid var(--color-border);border-radius:15px;background:#fff}table{border-collapse:collapse;width:100%;min-width:760px;background:#fff}th,td{padding:14px 16px;text-align:left;border-bottom:1px solid var(--color-border)}th{background:var(--color-primary);color:#fff;font-size:.78rem;text-transform:uppercase;letter-spacing:.04em}tr:last-child td{border-bottom:none}tbody tr:hover td{background:#fbfdfd}.yield{color:#a77910;font-weight:850}.ticker{color:var(--color-accent);font-weight:850}.note{color:var(--color-muted);font-size:.88rem}.info-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.info-card{padding:24px;display:flex;gap:16px;align-items:start}.info-icon{width:54px;height:54px;border-radius:50%;display:grid;place-items:center;background:var(--color-accent-soft);color:var(--color-accent);font-size:1.5rem;flex:0 0 auto}.ui-icon{width:1.45rem;height:1.45rem;display:block}.info-icon .ui-icon,.tool-icon .ui-icon{width:1.55rem;height:1.55rem}.cta-band{display:grid;grid-template-columns:auto 1fr auto;gap:24px;align-items:center;padding:26px;border-radius:var(--radius-lg);background:linear-gradient(90deg,var(--color-accent-soft),#fff);border:1px solid var(--color-border)}.cta-band .icon{width:72px;height:72px;border-radius:50%;background:#fff;display:grid;place-items:center;color:var(--color-accent);font-size:2rem;box-shadow:var(--shadow-soft)}.page-hero{padding:60px 0 28px}.page-hero h1{font-size:clamp(2.5rem,4.5vw,4rem)}.content-grid{display:grid;grid-template-columns:.74fr .26fr;gap:28px;align-items:start}.prose{font-size:1.04rem;color:var(--color-muted)}.prose h2{margin-top:36px;color:var(--color-text)}.sidebar-card{padding:22px;position:sticky;top:96px}.list-links{display:grid;gap:10px;margin:0;padding:0;list-style:none}.list-links a{display:flex;justify-content:space-between;border:1px solid var(--color-border);border-radius:12px;padding:12px 14px;background:#fff}.site-footer{background:var(--color-primary-dark);color:#ffffffc7;padding:44px 0;margin-top:56px}.footer-grid{display:grid;grid-template-columns:1.45fr repeat(4,minmax(0,1fr));gap:28px}.site-footer a{color:#ffffffdb}.site-footer h3{color:#fff;font-size:1rem}.footer-links{list-style:none;padding:0;margin:0;display:grid;gap:8px}.footer-note{border-top:1px solid rgba(255,255,255,.1);margin-top:28px;padding-top:20px;font-size:.92rem}.disclaimer-box{background:#fff;border:1px solid var(--color-border);border-left:4px solid var(--color-dividend);border-radius:16px;padding:16px 18px;color:var(--color-muted);margin:20px 0}@media(max-width:980px){.hero-grid,.content-grid,.snapshot-grid,.market-grid,.info-grid,.cta-band{grid-template-columns:1fr}.nav{display:none}.footer-grid{grid-template-columns:1fr 1fr}}@media(max-width:620px){.container{width:min(var(--container),calc(100% - 28px))}.header-inner{min-height:68px}.hero{padding-top:42px}.hero-actions{flex-direction:column;align-items:stretch}.hero-actions .btn{width:100%}.stat-grid,.mini-stats{grid-template-columns:1fr}.stat-grid>div:not(:last-child){border-right:0;border-bottom:1px solid var(--color-border);padding-bottom:10px}.footer-grid{grid-template-columns:1fr}h1{font-size:2.7rem}}.footer-brand p{margin-top:12px;max-width:340px;font-size:.875rem;color:#ffffffb3;line-height:1.6}.footer-tagline{font-size:.8rem!important;color:var(--color-dividend)!important;font-weight:600;letter-spacing:.04em;text-transform:uppercase;margin-top:10px!important}.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:40px;padding-top:24px}.footer-copy{font-size:.8rem;color:#ffffff73;margin-top:8px}.faq-section{padding:48px 0 32px}.faq-grid{display:grid;gap:16px;margin-top:32px}.faq-item{background:var(--color-surface);border:1px solid var(--color-border);border-radius:var(--radius-md);overflow:hidden}.faq-item summary{padding:20px 24px;font-weight:700;font-size:1rem;cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;color:var(--color-primary)}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary:after{content:"+";font-size:1.4rem;color:var(--color-accent);flex-shrink:0;margin-left:16px;transition:transform .2s}.faq-item[open] summary:after{transform:rotate(45deg)}.faq-body{padding:0 24px 20px;color:var(--color-muted);line-height:1.7;font-size:.95rem}.faq-body p{margin:0}.faq-title{display:flex;align-items:center;gap:12px;margin-bottom:8px}.faq-eyebrow{font-size:.75rem;text-transform:uppercase;letter-spacing:.08em;color:var(--color-accent);font-weight:700}.hub-intro{font-size:1.05rem;line-height:1.8;color:var(--color-muted);margin:0}.hub-stats-row{display:flex;gap:24px;flex-wrap:wrap;margin:24px 0 0}.hub-stat{text-align:center;background:var(--color-surface-muted);border-radius:var(--radius-sm);padding:16px 20px;min-width:130px}.hub-stat strong{display:block;font-size:1.5rem;font-weight:800;color:var(--color-accent)}.hub-stat span{font-size:.8rem;color:var(--color-muted)}.seo-content{padding:40px 0}.seo-content h2{font-size:1.35rem;margin:0 0 12px;color:var(--color-primary)}.seo-content p{color:var(--color-muted);line-height:1.8;margin:0 0 16px}.seo-content p:last-child{margin-bottom:0}.two-col-text{display:grid;grid-template-columns:1fr 1fr;gap:32px}@media(max-width:700px){.two-col-text{grid-template-columns:1fr}}.key-facts{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:16px;margin:24px 0}.key-fact{background:var(--color-accent-soft);border-radius:var(--radius-md);padding:20px}.key-fact strong{display:block;font-size:1.6rem;font-weight:800;color:var(--color-accent);margin-bottom:4px}.key-fact span{font-size:.85rem;color:var(--color-primary);font-weight:500}.tool-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;align-items:stretch}.calculator-card h2{font-size:clamp(1.45rem,2.8vw,2.05rem);margin-top:10px}.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin-top:18px}.form-grid.wide{grid-template-columns:repeat(3,minmax(0,1fr))}.form-grid label{display:grid;gap:7px;color:var(--color-muted);font-size:.86rem;font-weight:750}.form-grid input,.form-grid select{min-height:46px;border:1px solid var(--color-border);border-radius:12px;padding:0 12px;background:#fff;color:var(--color-text)}.form-grid input:focus-visible,.form-grid select:focus-visible{outline:3px solid rgba(26,122,110,.22);border-color:var(--color-accent)}.result-box{margin-top:18px;background:linear-gradient(180deg,var(--color-accent-soft),#fff);border:1px solid rgba(26,122,110,.18);border-radius:var(--radius-md);padding:18px}.result-box span,.score-pill span{display:block;color:var(--color-muted);font-size:.8rem;font-weight:800;text-transform:uppercase;letter-spacing:.05em}.result-box strong{display:block;color:var(--color-accent);font-size:clamp(1.65rem,3vw,2.35rem);line-height:1.08;margin:4px 0;letter-spacing:-.04em}.result-box small{display:block;color:var(--color-muted);line-height:1.45}.result-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}.toggle-row{display:flex;flex-wrap:wrap;gap:8px;margin-top:18px}.compact-table table{min-width:680px}.quiz-shell h2,.game-shell h2{font-size:clamp(1.45rem,2.8vw,2.05rem);margin-top:8px}.score-pill{background:var(--color-dividend-soft);border:1px solid rgba(201,168,76,.35);border-radius:999px;padding:10px 14px;white-space:nowrap}.quiz-progress{height:10px;border-radius:999px;background:var(--color-surface-muted);overflow:hidden;margin:14px 0 20px}.quiz-progress span{display:block;height:100%;background:var(--color-accent);transition:width .18s ease}.quiz-card{border:1px solid var(--color-border);border-radius:var(--radius-md);padding:20px;background:#fff}.option-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin-top:16px}.quiz-option{border:1px solid var(--color-border);border-radius:14px;background:#fff;padding:15px 16px;color:var(--color-text);cursor:pointer;text-align:left;font-weight:760;transition:transform .15s ease,border-color .15s ease,background .15s ease}.quiz-option:hover{transform:translateY(-1px);border-color:var(--color-accent)}.quiz-option:focus-visible{outline:3px solid rgba(26,122,110,.24);outline-offset:2px}.quiz-option.active,.quiz-option.correct{border-color:var(--color-accent);background:var(--color-accent-soft)}.quiz-option.wrong{border-color:#a4583a80;background:#fff4ef}.quiz-option small{display:block;color:var(--color-muted);margin-top:5px;font-weight:600;line-height:1.4}.quiz-explanation{margin-top:16px;border-left:4px solid var(--color-dividend);padding:12px 14px;background:#fffaf0;border-radius:12px}.quiz-explanation strong{color:var(--color-primary);display:block;margin-bottom:4px}.quiz-explanation p{margin:0;color:var(--color-muted)}.quiz-actions{display:flex;flex-wrap:wrap;gap:10px;margin-top:18px}.quiz-actions .btn:disabled{opacity:.5;cursor:not-allowed;transform:none}.timeline-track{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px;margin:18px 0}.timeline-step{min-height:86px;border:1px dashed var(--color-border);border-radius:16px;display:grid;place-items:center;text-align:center;padding:12px;background:var(--color-surface-muted)}.timeline-step span{width:28px;height:28px;display:grid;place-items:center;border-radius:999px;background:#fff;color:var(--color-muted);font-weight:850}.timeline-step strong{display:block;margin-top:6px;color:var(--color-muted)}.timeline-step.filled{border-style:solid;border-color:#1a7a6e3d;background:var(--color-accent-soft)}.timeline-step.filled strong{color:var(--color-primary)}.story-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}.story-card{padding:24px;text-decoration:none;display:grid;gap:10px}.story-card:hover{text-decoration:none;transform:translateY(-1px)}.story-card h2{font-size:clamp(1.4rem,2.6vw,2rem);margin-top:8px}.story-link{color:var(--color-accent);font-weight:850}.story-section+.story-section{border-top:1px solid var(--color-border);margin-top:26px;padding-top:22px}.story-link-row{display:flex;flex-wrap:wrap;gap:8px;margin-top:14px}.story-link-row .pill{background:var(--color-surface-muted);color:var(--color-primary)}@media(max-width:980px){.tool-grid,.story-grid,.form-grid,.form-grid.wide,.result-grid,.option-grid,.timeline-track{grid-template-columns:1fr}}:root{--font-body: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;--font-display: Georgia, "Times New Roman", serif;--font-mono: ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, 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