.article-hero{padding:136px 24px 52px;background:var(--surface);overflow:hidden}.article-hero-inner{max-width:1080px;margin:auto}.breadcrumbs{display:flex;gap:9px;flex-wrap:wrap;font-size:12px;color:var(--mute);margin-bottom:28px}.breadcrumbs a{color:var(--slate)}.eyebrow{display:flex;align-items:center;gap:10px;color:var(--brand);font-size:12px;font-weight:800;letter-spacing:.16em;text-transform:uppercase}.eyebrow span{width:7px;height:7px;border-radius:50%;background:var(--brand)}.article-hero h1{max-width:900px;margin:22px 0 18px;font-size:clamp(2.4rem,6vw,5rem);line-height:1.02;letter-spacing:-.045em;color:var(--ink)}.article-hero h1 em{font-style:normal;color:var(--brand)}.hero-deck{max-width:760px;font-size:clamp(1.05rem,2vw,1.25rem);line-height:1.65;color:var(--slate)}.byline{display:flex;align-items:center;gap:12px;margin-top:26px;color:var(--ink)}.byline img{border-radius:50%;object-fit:cover}.byline span{display:block;color:var(--slate);font-size:14px}.byline small{color:var(--mute);margin-top:2px}.hero-media{max-width:1120px;margin:0 auto 54px;padding:0 24px}.hero-media img{display:block;width:100%;aspect-ratio:16/9;object-fit:cover;border-radius:16px;border:1px solid var(--hair);box-shadow:0 4px 10px #0a0f1c14,0 28px 70px -34px #0a0f1c61}.article-shell{max-width:780px;margin:auto;padding:0 24px 110px;color:var(--slate);font-size:1.03rem;line-height:1.78}.article-shell p{margin:0 0 20px}.article-shell a{color:var(--brand);text-decoration:underline;text-underline-offset:3px}.article-shell h2{font-family:var(--font-body);font-size:clamp(1.65rem,4vw,2.35rem);line-height:1.2;color:var(--ink);font-weight:850;letter-spacing:-.025em;margin:62px 0 18px;scroll-margin-top:7rem}.article-shell h3{font-family:var(--font-body);font-size:1.25rem;line-height:1.3;color:var(--ink);font-weight:800;margin:36px 0 12px}.intro{font-size:1.16rem;line-height:1.72;color:var(--ink)}.aside-label{font-size:11px!important;font-weight:900;letter-spacing:.18em;text-transform:uppercase;color:var(--brand)!important;margin-bottom:10px!important}.takeaways,.answer-block,.article-nav{padding:26px 28px;border:1px solid var(--hair);border-radius:14px;background:var(--surface-lowest);margin:0 0 26px}.takeaways ul{padding-left:20px;margin:0}.takeaways li{margin:8px 0}.answer-block{border-left:4px solid var(--brand)}.answer-block>p:last-child{font-size:1.08rem;color:var(--ink);margin:0}.article-nav ol{margin:0;padding-left:24px}.article-nav li{padding:4px 0}.article-nav a{color:var(--slate)}.tick-list{padding-left:0;list-style:none;margin:0 0 20px}.tick-list li{position:relative;padding-left:28px;margin:10px 0}.tick-list li:before{content:"";position:absolute;left:0;top:9px;width:12px;height:12px;border-radius:3px;background:var(--brand);opacity:.9}blockquote{margin:30px 0;padding:28px;border-left:4px solid var(--brand);background:var(--surface);font-family:var(--font-display);font-size:1.35rem;line-height:1.5;color:var(--ink)}.table-wrap{overflow-x:auto;margin:24px 0;border:1px solid var(--hair);border-radius:12px}.article-shell table{width:100%;border-collapse:collapse;font-size:.95rem;min-width:520px}.article-shell th,.article-shell td{text-align:left;padding:12px 14px;border-bottom:1px solid var(--hair);vertical-align:top}.article-shell thead th{background:var(--surface-low);color:var(--ink);font-weight:800}.article-shell tbody tr:last-child td{border-bottom:none}.fp-callout{background:var(--surface);border-left:4px solid var(--brand);padding:24px 26px;border-radius:0 12px 12px 0;margin:30px 0}.fp-callout p{margin:0;color:var(--ink);font-size:1.02rem;line-height:1.7}.faq-list details{border-bottom:1px solid var(--hair);padding:18px 0}.faq-list summary{cursor:pointer;color:var(--ink);font-weight:800}.faq-list details p{margin:12px 0 0}.author-card{display:flex;gap:20px;align-items:flex-start;padding:32px 0;margin:54px 0;border-top:1px solid var(--hair);border-bottom:1px solid var(--hair)}.author-card img{border-radius:50%;object-fit:cover}.author-card span{font-size:11px;font-weight:900;letter-spacing:.18em;text-transform:uppercase;color:var(--mute)}.author-card h3{margin:4px 0 8px}.article-cta{background:var(--inverse);color:#fff;padding:34px;border-radius:14px;margin:40px 0}.article-cta h2{color:#fff;margin:0 0 14px}.article-cta p{color:#ffffffbf}.article-cta>div{display:flex;gap:12px;flex-wrap:wrap}.article-cta>div a{display:inline-flex;padding:12px 18px;border-radius:999px;background:var(--brand);color:#fff;text-decoration:none;font-weight:800}.article-cta>div a+a{background:transparent;border:1px solid rgba(255,255,255,.25)}.chart-card{border:1px solid var(--hair);border-radius:14px;padding:24px 26px;margin:30px 0;background:var(--surface-lowest)}.chart-cap{font-weight:800;color:var(--ink);margin:0 0 18px;font-size:1rem;line-height:1.35}.databars{display:flex;flex-direction:column;gap:12px}.databar{display:grid;grid-template-columns:148px 1fr 46px;align-items:center;gap:12px}.db-label{font-size:.85rem;color:var(--slate);text-align:right;line-height:1.2}.db-track{background:var(--surface-mid);border-radius:999px;height:16px;overflow:hidden}.db-fill{display:block;height:100%;background:var(--inverse);border-radius:999px}.databar.is-lead .db-fill{background:var(--brand)}.db-val{font-size:.85rem;font-weight:800;color:var(--ink)}.chart-src{font-size:.8rem;color:var(--mute);margin:14px 0 0;line-height:1.5}.tbl-cap{caption-side:top;text-align:left;font-weight:800;color:var(--ink);padding:0 0 10px;font-size:.95rem}tr.row-hi td{background:#f5822017;font-weight:750}@media(max-width:640px){.databar{grid-template-columns:92px 1fr 40px;gap:8px}.db-label{font-size:.75rem}}.iex-calc{margin:26px 0 44px}.calc-card{background:var(--surface-lowest);border:1px solid var(--hair);border-radius:22px;padding:26px;box-shadow:0 2px 6px #0a0f1c0f,0 26px 60px -34px #0a0f1c57}.calc-title{font-family:var(--font-display);font-size:1.15rem;font-weight:800;color:var(--ink);text-align:center;margin:0 0 18px}.calc-modes{display:grid;grid-template-columns:1fr 1fr;gap:8px;background:var(--surface-low);padding:6px;border-radius:14px;margin-bottom:18px}.calc-mode{border:0;background:transparent;padding:11px 10px;border-radius:10px;font-weight:750;color:var(--slate);cursor:pointer;font-size:.95rem;transition:transform .15s,opacity .15s}.calc-mode.is-active{background:var(--surface-lowest);color:var(--ink);box-shadow:0 1px 2px #0a0f1c14,0 6px 16px -10px #0a0f1c66}.calc-result{background:var(--inverse);border-radius:16px;padding:22px 24px;margin-bottom:22px}.calc-result-main{display:flex;align-items:baseline;gap:12px;flex-wrap:wrap}.calc-result-num{font-family:var(--font-display);font-size:clamp(2.3rem,8vw,3rem);font-weight:800;color:#fff;line-height:1}.calc-result-sub{color:#ffffff9e;font-size:.9rem;font-weight:600}.calc-result-note{margin:10px 0 0;color:var(--brand);font-size:.95rem;font-weight:750}.calc-label{font-size:11px;font-weight:900;letter-spacing:.16em;text-transform:uppercase;color:var(--slate);margin:0 0 10px}.calc-seg{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin-bottom:10px}.calc-seg-btn{display:flex;flex-direction:column;align-items:center;gap:3px;padding:12px 6px;border:1px solid var(--hair);border-radius:12px;background:var(--surface-lowest);color:var(--ink);font-weight:750;cursor:pointer;font-size:.92rem;transition:transform .15s,opacity .15s}.calc-seg-btn span{font-size:.8rem;color:var(--mute);font-weight:700}.calc-seg-btn.is-active{border-color:var(--brand);color:var(--brand);box-shadow:0 0 0 1px var(--brand) inset}.calc-seg-btn.is-active span{color:var(--brand-dim)}.calc-hint{font-size:.82rem;color:var(--mute);margin:0 0 22px;line-height:1.5}.calc-slider-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:8px;font-weight:750;color:var(--ink);font-size:.95rem}.calc-slider-head output{color:var(--brand);font-weight:800}#calcCare{width:100%;accent-color:var(--brand);height:6px;cursor:pointer}.calc-slider-scale{display:flex;justify-content:space-between;color:var(--mute);font-size:.78rem;margin:6px 0 20px}.calc-breakdown{background:var(--surface-low);border-radius:14px;padding:8px 18px;margin:0 0 22px}.calc-breakdown div{display:flex;justify-content:space-between;align-items:center;padding:11px 0;border-bottom:1px solid var(--hair)}.calc-breakdown div:last-child{border-bottom:0}.calc-breakdown dt{margin:0;color:var(--slate);font-size:.94rem}.calc-breakdown dd{margin:0;color:var(--ink);font-weight:800;font-size:.98rem}.calc-cta{display:block;text-align:center;padding:15px 18px;border-radius:999px;background:var(--brand);color:#fff!important;text-decoration:none!important;font-weight:800;font-size:1rem;box-shadow:0 2px 6px #f5822047,0 14px 30px -14px #f5822080}.calc-disclaimer{font-size:.78rem;color:var(--mute);line-height:1.55;margin:14px 2px 0;text-align:center}@media(prefers-reduced-motion:reduce){.calc-mode,.calc-seg-btn{transition:none}}@media(max-width:640px){.article-hero{padding-top:116px}.takeaways,.answer-block,.article-nav,.article-cta{padding:22px}.author-card{flex-direction:column}.calc-card{padding:20px}.calc-seg{grid-template-columns:1fr}.calc-seg-btn{flex-direction:row;justify-content:space-between}}