:root{--navy:#0b2942;--blue:#1d5f8a;--ink:#18212a;--muted:#617080;--line:#dbe2e8;--soft:#f4f7f9;--white:#fff;--gold:#c9a96e;--green:#2f6e4f;--amber:#9b6718;--red:#9f3f3f}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:#fff}.wrap{max-width:1220px;margin:0 auto;padding:0 28px}.hero{background:var(--navy);color:#fff;padding:54px 0 40px;border-bottom:5px solid var(--gold)}.eyebrow,.kicker{text-transform:uppercase;letter-spacing:.12em;font-weight:700;font-size:.76rem}.eyebrow{color:#d9e6ef}.kicker{color:var(--blue)}.hero h1{font-family:Georgia,serif;font-size:clamp(2.25rem,5vw,4.35rem);line-height:1.02;margin:10px 0 14px;max-width:1000px}.dek{font-size:1.12rem;line-height:1.6;max-width:860px;color:#e5edf3;margin-bottom:18px}.freshness-row{display:flex;gap:12px;flex-wrap:wrap;font-size:.82rem;color:#d1dde6}.freshness-row span{border:1px solid rgba(255,255,255,.2);padding:6px 9px;border-radius:999px}.section-nav{position:sticky;top:0;z-index:5;background:#fff;border-bottom:1px solid var(--line)}.nav-inner{display:flex;gap:26px;overflow:auto}.section-nav a{display:block;padding:14px 0;text-decoration:none;color:var(--navy);font-weight:700;font-size:.9rem;white-space:nowrap}section{padding:52px 0;border-bottom:1px solid var(--line)}.section-head{display:flex;justify-content:space-between;gap:40px;align-items:end;margin-bottom:22px}.section-head h2{font-family:Georgia,serif;font-size:2rem;margin:5px 0 0;color:var(--navy)}.method-btn,.download-btn,.range-buttons button{border:1px solid var(--line);background:#fff;color:var(--navy);border-radius:6px;padding:8px 11px;font-weight:700;cursor:pointer}.method-btn:hover,.download-btn:hover,.range-buttons button:hover,.range-buttons button.active{background:var(--navy);color:#fff;border-color:var(--navy)}.status-strip{display:grid;grid-template-columns:180px auto 1fr;gap:18px;align-items:center;background:var(--soft);padding:16px 18px;border-radius:8px;margin-bottom:18px;border:1px solid var(--line)}.status-label{display:block;color:var(--muted);font-size:.72rem;text-transform:uppercase;letter-spacing:.08em;font-weight:800}.status-strip strong{font-size:1.05rem;color:var(--navy)}.status-strip p{margin:0;color:#42515e;line-height:1.45}.status-pill{padding:7px 12px;border-radius:999px;font-weight:800;font-size:.82rem}.status-pill.normal{background:#e5f2eb;color:var(--green)}.status-pill.watch{background:#f7eedb;color:var(--amber)}.status-pill.stress{background:#f5e2e2;color:var(--red)}.cards{display:grid;gap:14px;margin:18px 0 22px}.cards.five{grid-template-columns:repeat(5,1fr)}.cards.three{grid-template-columns:repeat(3,1fr)}.metric-card{border:1px solid var(--line);padding:19px;border-radius:8px;background:#fff;box-shadow:0 2px 10px rgba(11,41,66,.035)}.metric-card.clickable{cursor:pointer;transition:.15s ease}.metric-card.clickable:hover{transform:translateY(-2px);box-shadow:0 6px 18px rgba(11,41,66,.08);border-color:#b9cad7}.metric-card span{display:block;color:var(--muted);font-size:.82rem;font-weight:700;min-height:36px}.metric-card strong{display:block;font-family:Georgia,serif;color:var(--navy);font-size:2.1rem;margin:5px 0}.metric-card small{color:var(--muted)}.context{font-size:.72rem;color:#7c8995;margin-top:8px;line-height:1.35}.grid.two{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:20px}.panel,.sources-card{border:1px solid var(--line);border-radius:8px;background:#fff;padding:20px}.feature-panel{margin-bottom:20px}.panel-top{display:flex;justify-content:space-between;align-items:flex-start;gap:15px}.panel-title{font-size:1rem;font-weight:800;color:var(--navy)}.panel-sub{font-size:.78rem;color:var(--muted);margin-top:3px}.panel-actions{display:flex;gap:8px;align-items:center}.range-buttons{display:flex;gap:5px}.range-buttons button{padding:6px 8px;font-size:.75rem}.chart{height:360px}.chart.tall{height:440px}.caption{font-size:.82rem;color:var(--muted);margin:8px 0 0}.horizon-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:12px;margin:0 0 20px}.horizon-card{background:var(--soft);border:1px solid var(--line);border-radius:8px;padding:15px}.horizon-card span{display:block;color:var(--muted);font-size:.75rem;font-weight:700}.horizon-card strong{display:block;color:var(--navy);font-family:Georgia,serif;font-size:1.45rem;margin:3px 0}.horizon-card small{color:#6f7c87}.highlight-card{display:grid;grid-template-columns:90px 1fr;gap:18px;align-items:center;background:#f8fafb;border:1px solid var(--line);border-left:5px solid var(--blue);padding:16px 18px;border-radius:8px;margin:20px 0}.highlight-year{font-family:Georgia,serif;font-size:1.7rem;color:var(--navy);font-weight:700}.highlight-title{font-weight:800;color:var(--navy)}.highlight-card p{margin:4px 0 0;color:#42515e}.table-panel{margin-top:20px}.table-scroll{overflow:auto}table{width:100%;border-collapse:collapse;font-size:.9rem}th,td{text-align:right;padding:11px 10px;border-bottom:1px solid #e9eef2}th:first-child,td:first-child{text-align:left}th{color:var(--navy);background:var(--soft);position:sticky;top:0}tbody tr{cursor:pointer}tbody tr:hover{background:#f8fafb}tbody tr.selected{background:#eef5fa}.sources-card{line-height:1.65;color:#42515e}footer{background:#071c2c;color:#c7d3dd;padding:24px 0;font-size:.85rem}dialog{max-width:620px;border:none;border-radius:10px;padding:28px;box-shadow:0 20px 70px rgba(0,0,0,.24);color:var(--ink)}dialog::backdrop{background:rgba(6,20,32,.48)}dialog h3{font-family:Georgia,serif;color:var(--navy);font-size:1.6rem;margin-top:0}.close-dialog{position:absolute;right:16px;top:12px;border:none;background:none;font-size:1.7rem;cursor:pointer;color:var(--muted)}.empty{height:100%;display:flex;align-items:center;justify-content:center;text-align:center;color:var(--muted);background:var(--soft);border-radius:6px;padding:30px}@media(max-width:980px){.cards.five{grid-template-columns:repeat(2,1fr)}.horizon-grid{grid-template-columns:repeat(2,1fr)}.cards.three,.grid.two{grid-template-columns:1fr}.status-strip{grid-template-columns:1fr}.section-head{display:block}.method-btn{margin-top:12px}}@media(max-width:560px){.wrap{padding:0 16px}.cards.five,.horizon-grid{grid-template-columns:1fr}.hero{padding-top:38px}.metric-card strong{font-size:1.8rem}.panel-top{display:block}.panel-actions{margin-top:10px}}

.section-actions{display:flex;gap:10px;flex-wrap:wrap;justify-content:flex-end}
.formula-box{background:var(--soft);border-left:4px solid var(--blue);padding:14px 16px;margin:16px 0;font-weight:800;color:var(--navy)}
dialog h4{color:var(--navy);margin-bottom:6px;margin-top:20px}
.section-lead{font-family:Georgia,serif;font-size:1.3rem;line-height:1.45;color:var(--navy);max-width:940px;margin:-6px 0 20px}
.refi-summary{margin-top:0}
.toggle-group{display:flex;gap:5px;flex-wrap:wrap}
.toggle-group button{border:1px solid var(--line);background:#fff;color:var(--navy);border-radius:6px;padding:7px 9px;font-size:.75rem;font-weight:800;cursor:pointer}
.toggle-group button:hover,.toggle-group button.active{background:var(--navy);color:#fff;border-color:var(--navy)}
@media(max-width:700px){.toggle-group{margin-top:10px}.section-lead{font-size:1.12rem}}
/* =========================================================
   REFINANCING CONTROLS
   ========================================================= */

.refi-controls-bar {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  gap: 32px;

  margin: 18px 0 20px;
  padding: 16px 18px;

  background: var(--soft);
  border: 1px solid var(--line);
  border-radius: 8px;
}

.refi-control-group {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.refi-control-label {
  font-size: 0.75rem;
  font-weight: 800;
  color: var(--muted);
  text-transform: uppercase;
  letter-spacing: 0.07em;
}

.refi-range-buttons,
.rate-scenario-buttons {
  display: flex;
  flex-direction: row;
  flex-wrap: nowrap;
  align-items: center;
  gap: 7px;
}

.refi-range-buttons button,
.rate-scenario-buttons button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  white-space: nowrap;
  min-height: 38px;
  padding: 8px 12px;

  border: 1px solid var(--line);
  border-radius: 6px;

  background: #fff;
  color: var(--navy);

  font-family: inherit;
  font-size: 0.85rem;
  font-weight: 700;
  cursor: pointer;
}

.refi-range-buttons button:hover,
.rate-scenario-buttons button:hover,
.refi-range-buttons button.active,
.rate-scenario-buttons button.active {
  background: var(--navy);
  color: #fff;
  border-color: var(--navy);
}

.refi-chart-grid .panel-top {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 20px;
}

.refi-chart-grid .panel-top > div:first-child {
  min-width: 0;
}

.refi-chart-grid .panel-title {
  white-space: normal;
}

.refi-chart-grid .panel-sub {
  max-width: 520px;
}

.refi-chart-grid .chart {
  width: 100%;
  min-width: 0;
}

@media (max-width: 900px) {
  .refi-controls-bar {
    flex-direction: column;
    align-items: flex-start;
    gap: 16px;
  }

  .refi-range-buttons,
  .rate-scenario-buttons {
    flex-wrap: wrap;
  }
}
.tightening-key {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 10px;

  margin-top: 8px;
  padding-top: 12px;

  border-top: 1px solid var(--line);
}

.tightening-key > div {
  position: relative;
  padding-left: 15px;
}

.tightening-key strong {
  display: block;
  font-size: 0.76rem;
  color: var(--navy);
}

.tightening-key small {
  display: block;
  margin-top: 2px;

  font-size: 0.68rem;
  line-height: 1.35;
  color: var(--muted);
}

.signal-dot {
  position: absolute;
  left: 0;
  top: 4px;

  width: 8px;
  height: 8px;
  border-radius: 50%;
}

.normal-dot {
  background: var(--green);
}

.watch-dot {
  background: var(--amber);
}

.stress-dot {
  background: var(--red);
}
.status-detail {
  min-width: 0;
}

.status-detail p {
  margin: 0;
}

.status-moves {
  display: flex;
  gap: 22px;
  margin-top: 9px;
  flex-wrap: wrap;
}

.status-moves span {
  font-size: 0.75rem;
  color: var(--muted);
}

.status-moves strong {
  display: inline;
  margin-left: 5px;
  font-size: 0.82rem;
  color: var(--navy);
}