:root{--bg: #f5f6fb;--surface: #ffffff;--surface-2: #eef0f8;--fg: #171a2b;--muted: #565d78;--border: #dcdfec;--border-strong: #c3c8dd;--accent: #3d3fb8;--accent-fg: #ffffff;--accent-soft: #ececfb;--gold: #b8791b;--gold-soft: #fbf1dd;--free: #157a4d;--free-soft: #e2f3ea;--warn: #9a5b00;--warn-soft: #fbeecf;--shadow-sm: 0 1px 2px rgba(23, 26, 43, .06), 0 1px 3px rgba(23, 26, 43, .05);--shadow-md: 0 4px 12px rgba(23, 26, 43, .08), 0 2px 6px rgba(23, 26, 43, .06);--radius: 12px;--radius-sm: 8px;--font-display: "Fraunces", "Iowan Old Style", Georgia, "Times New Roman", serif;--font-body: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;--font-mono: "JetBrains Mono", ui-monospace, "SF Mono", Menlo, Consolas, monospace;--container: 80rem;color-scheme:light dark}@media(prefers-color-scheme:dark){:root{--bg: #0c0e1a;--surface: #14172a;--surface-2: #1b1f37;--fg: #e9ebf6;--muted: #a4abc9;--border: #262b47;--border-strong: #333a5e;--accent: #8b8dff;--accent-fg: #0c0e1a;--accent-soft: #1e2145;--gold: #e8b053;--gold-soft: #2a2113;--free: #58d69a;--free-soft: #10261b;--warn: #e8b053;--warn-soft: #2a2113;--shadow-sm: 0 1px 2px rgba(0, 0, 0, .4);--shadow-md: 0 6px 20px rgba(0, 0, 0, .5)}}*{box-sizing:border-box}html{background:var(--bg);scroll-behavior:smooth}body{margin:0;min-height:100dvh;background:radial-gradient(120% 60% at 100% -5%,color-mix(in srgb,var(--gold) 10%,transparent),transparent 60%),radial-gradient(100% 55% at 0% 0%,color-mix(in srgb,var(--accent) 12%,transparent),transparent 55%),var(--bg);color:var(--fg);font-family:var(--font-body);line-height:1.55;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}h1,h2,h3,h4{font-family:var(--font-display);letter-spacing:-.02em;line-height:1.12;margin:0;font-weight:600}a{color:var(--accent)}::selection{background:color-mix(in srgb,var(--gold) 35%,transparent)}:focus-visible{outline:2px solid var(--accent);outline-offset:2px;border-radius:4px}.wrap{max-width:var(--container);margin-inline:auto;padding-inline:1.25rem}.site-header{position:sticky;top:0;z-index:50;backdrop-filter:saturate(1.2) blur(10px);background:color-mix(in srgb,var(--bg) 82%,transparent);border-bottom:1px solid var(--border)}.site-header .bar{display:flex;align-items:center;justify-content:space-between;gap:1rem;height:3.75rem}.brand{display:inline-flex;align-items:center;gap:.6rem;text-decoration:none;color:var(--fg);font-weight:700;letter-spacing:-.01em}.brand .logo{width:30px;height:30px;flex:none}.brand .wordmark{font-size:1.05rem}.brand .wordmark b{color:var(--accent)}.brand .wordmark .dim{color:var(--muted);font-weight:500}.site-header nav{display:flex;align-items:center;gap:1.1rem;font-size:.9rem}.site-header nav a{color:var(--muted);text-decoration:none;font-weight:500}.site-header nav a:hover{color:var(--fg)}.site-footer{border-top:1px solid var(--border);margin-top:3rem;padding:2rem 0 3rem;color:var(--muted);font-size:.875rem}.site-footer .cols{display:flex;flex-wrap:wrap;gap:.6rem 1.4rem;align-items:center}.site-footer a{color:var(--muted)}.site-footer a:hover{color:var(--fg)}@media(prefers-reduced-motion:reduce){*,*:before,*:after{animation-duration:.001ms!important;transition-duration:.001ms!important;scroll-behavior:auto!important}}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.bt{margin-top:1.5rem}.bt-controls{display:flex;flex-wrap:wrap;gap:.75rem;align-items:center;padding:.9rem;background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow-sm);position:sticky;top:3.75rem;z-index:20}.bt-search{flex:1 1 16rem;min-width:12rem}.bt-search input{width:100%;padding:.6rem .85rem;font:inherit;color:var(--fg);background:var(--surface-2);border:1px solid var(--border-strong);border-radius:var(--radius-sm)}.bt-search input::placeholder{color:var(--muted)}.bt-segbtns{display:inline-flex;border:1px solid var(--border-strong);border-radius:var(--radius-sm);overflow:hidden;background:var(--surface-2)}.bt-segbtns button{appearance:none;border:0;background:transparent;color:var(--muted);font:inherit;font-weight:600;font-size:.85rem;padding:.55rem .85rem;cursor:pointer}.bt-segbtns button+button{border-left:1px solid var(--border-strong)}.bt-segbtns button.is-active{background:var(--accent);color:var(--accent-fg)}.bt-toggles{display:flex;flex-wrap:wrap;gap:.5rem}.chip{display:inline-flex;align-items:center;gap:.4rem;padding:.5rem .75rem;border:1px solid var(--border-strong);border-radius:999px;background:var(--surface-2);color:var(--muted);font-size:.85rem;font-weight:600;cursor:pointer;user-select:none}.chip input{accent-color:var(--accent);margin:0}.chip.is-on{background:var(--free-soft);border-color:var(--free);color:var(--free)}.chip--sort{appearance:none;font:inherit;font-weight:600;font-size:.85rem}.chip--sort[aria-pressed=true]{background:var(--accent-soft);border-color:var(--accent);color:var(--accent)}.bt-count{margin:.9rem .2rem .5rem;color:var(--muted);font-size:.9rem}.bt-count b{color:var(--fg)}.linkbtn{appearance:none;border:0;background:none;color:var(--accent);font:inherit;font-weight:600;cursor:pointer;padding:0 .35rem;text-decoration:underline}.bt-tablewrap{overflow-x:auto;border:1px solid var(--border);border-radius:var(--radius);background:var(--surface);box-shadow:var(--shadow-sm);-webkit-overflow-scrolling:touch}.bt-table{width:100%;border-collapse:collapse;font-size:.875rem;min-width:62rem}.bt-table thead th{text-align:left;vertical-align:bottom;padding:.7rem .8rem;color:var(--muted);font-weight:700;font-size:.72rem;letter-spacing:.05em;text-transform:uppercase;border-bottom:2px solid var(--border-strong);background:var(--surface-2);position:sticky;top:0;white-space:nowrap}.bt-table thead th button{appearance:none;border:0;background:none;color:inherit;font:inherit;letter-spacing:inherit;text-transform:inherit;cursor:pointer;padding:0}.bt-table thead th button:hover{color:var(--fg)}.bt-table tbody th,.bt-table tbody td{padding:.65rem .8rem;border-bottom:1px solid var(--border);vertical-align:top;text-align:left}.row:hover td,.row:hover th{background:color-mix(in srgb,var(--accent) 4%,transparent)}.row.is-open td,.row.is-open th{background:var(--accent-soft)}.c-broker{min-width:11rem}.bname{display:block;font-weight:700;color:var(--fg);font-size:.95rem;margin-bottom:.2rem}.fee{color:var(--fg)}.fee--missing{color:var(--warn);font-style:italic;font-size:.82rem}td.zero .fee{color:var(--free);font-weight:700}td.zero{background:color-mix(in srgb,var(--free) 6%,transparent)}.mtf-pct{display:inline-block;font-family:var(--font-mono);font-weight:600;font-size:.82rem;color:var(--gold);background:var(--gold-soft);border-radius:5px;padding:.05rem .35rem;margin-right:.4rem}.tag{display:inline-block;font-size:.72rem;font-weight:700;letter-spacing:.02em;padding:.15rem .5rem;border-radius:999px;white-space:nowrap}.tag--disc{background:var(--accent-soft);color:var(--accent)}.tag--full{background:var(--gold-soft);color:var(--gold)}.badge{display:inline-block;font-size:.68rem;font-weight:700;padding:.1rem .4rem;border-radius:5px;white-space:nowrap}.badge--ok{background:var(--free-soft);color:var(--free)}.badge--warn{background:var(--warn-soft);color:var(--warn)}.c-toggle{text-align:right}.detailbtn{appearance:none;border:1px solid var(--border-strong);background:var(--surface-2);color:var(--fg);font:inherit;font-weight:600;font-size:.8rem;padding:.35rem .7rem;border-radius:var(--radius-sm);cursor:pointer;white-space:nowrap}.detailbtn:hover{border-color:var(--accent);color:var(--accent)}.bt-empty{text-align:center;color:var(--muted);padding:2rem!important}.detail-row td{background:var(--surface-2)!important;padding:0!important}.detail{padding:1.1rem 1.1rem 1.3rem;border-left:3px solid var(--accent)}.detail-head{display:flex;align-items:center;gap:.6rem;flex-wrap:wrap;margin-bottom:.9rem}.detail-head h3{font-size:1.1rem}.detail-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(15rem,1fr));gap:.75rem 1.4rem;margin:0}.field dt{font-size:.7rem;font-weight:700;letter-spacing:.05em;text-transform:uppercase;color:var(--muted);margin-bottom:.15rem}.field dd{margin:0;font-size:.86rem;color:var(--fg);line-height:1.5}.field dd.is-missing{color:var(--warn);font-style:italic}.detail-src{margin:1rem 0 0;font-size:.82rem;color:var(--muted)}@media(max-width:640px){.bt-controls{position:static}.bt-search{flex-basis:100%}}.hero{padding:2.5rem 0 1.5rem;max-width:46rem}.hero__eyebrow{display:inline-block;font-family:var(--font-mono);font-size:.78rem;color:var(--muted);letter-spacing:.01em;background:var(--surface);border:1px solid var(--border);border-radius:999px;padding:.3rem .8rem;margin-bottom:1.1rem}.hero h1{font-size:clamp(2.1rem,6vw,3.4rem);margin-bottom:.9rem}.hero h1 .accent{color:var(--accent)}.hero__sub{font-size:clamp(1.05rem,2.4vw,1.25rem);color:var(--muted);margin:0 0 1.4rem}.hero__stats{display:flex;flex-wrap:wrap;gap:1.5rem}.hero__stats div{display:flex;flex-direction:column}.hero__stats b{font-family:var(--font-display);font-size:1.9rem;color:var(--accent);line-height:1}.hero__stats span{font-size:.82rem;color:var(--muted);text-transform:uppercase;letter-spacing:.05em;margin-top:.25rem}.notes{display:grid;gap:.6rem;margin:.5rem 0}.note{margin:0;padding:.7rem .95rem;border-radius:var(--radius-sm);font-size:.9rem;border:1px solid var(--border);background:var(--surface)}.note b{color:var(--fg)}.note--statutory{border-left:3px solid var(--accent)}.note--time{border-left:3px solid var(--gold)}.note--advice{border-left:3px solid var(--muted);color:var(--muted);font-size:.85rem}.reading{margin-top:2.75rem}.reading h2,.how h2{font-size:1.5rem;margin-bottom:1rem}.reading-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(17rem,1fr));gap:1rem}.read-card{display:block;text-decoration:none;color:var(--fg);background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);padding:1.1rem 1.2rem;box-shadow:var(--shadow-sm);transition:border-color .15s ease,box-shadow .15s ease,transform .15s ease}.read-card:hover{border-color:var(--accent);box-shadow:var(--shadow-md);transform:translateY(-2px)}.read-kicker{display:inline-block;font-size:.7rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--gold);margin-bottom:.4rem}.read-card h3{font-size:1.1rem;margin-bottom:.4rem}.read-card p{color:var(--muted);font-size:.9rem;margin:0 0 .7rem}.read-more{color:var(--accent);font-weight:600;font-size:.88rem}.how{margin-top:2.75rem}.how-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(15rem,1fr));gap:1rem}.how-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);padding:1.1rem 1.2rem;box-shadow:var(--shadow-sm)}.how-card h3{font-size:1.02rem;margin-bottom:.4rem}.how-card p{color:var(--muted);font-size:.9rem;margin:0}.how-card b{color:var(--fg)}