:root{--navy: #0f2a4a;--navy-soft: #1e3052;--red: #b3261e;--gold: #d4a65f;--cream: #f6f1ea;--paper: #ffffff;--ink: #1a1a1a;--muted: #7a8497;--green: #1a9850;--blue: #0a4d8c;--border: #e0dacf}*{box-sizing:border-box;margin:0;padding:0}body{font-family:Segoe UI,Calibri,system-ui,sans-serif;background:var(--cream);color:var(--ink);line-height:1.55}h1,h2,h3{font-family:Georgia,Times New Roman,serif;color:var(--navy)}.hero{background:var(--navy);color:#fff;padding:56px 24px 48px;border-left:10px solid var(--gold)}.hero .kicker{color:var(--gold);letter-spacing:.3em;font-size:12px;font-weight:700;text-transform:uppercase;margin-bottom:14px}.hero h1{color:#fff;font-size:clamp(28px,4.5vw,46px);line-height:1.12}.hero p{color:#c3d0e5;font-style:italic;margin-top:14px;font-size:17px;max-width:640px}.stepnav{position:sticky;top:0;z-index:10;display:flex;gap:4px;background:var(--navy);padding:0 24px;border-bottom:3px solid var(--gold);overflow-x:auto}.stepnav button{background:transparent;color:#c3d0e5;border:none;padding:13px 16px;font-size:13.5px;font-weight:600;cursor:pointer;white-space:nowrap;border-bottom:3px solid transparent;margin-bottom:-3px}.stepnav button.active{color:#fff;border-bottom-color:var(--gold)}.stepnav button:hover{color:#fff}.lesson{max-width:1080px;margin:0 auto;padding:44px 24px 24px}.lesson .step-chip{display:inline-block;color:var(--red);font-size:11.5px;font-weight:700;letter-spacing:.25em;text-transform:uppercase;margin-bottom:10px}.lesson h2{font-size:clamp(24px,3.4vw,34px);margin-bottom:6px}.lesson .sub{color:var(--muted);font-style:italic;margin-bottom:26px;font-size:15.5px}.cards3{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:16px;margin:18px 0}.fundcard{background:var(--paper);border:1px solid var(--border);border-radius:6px;overflow:hidden;box-shadow:0 2px 8px #0000000d}.fundcard .head{padding:12px 16px;color:#fff;display:flex;justify-content:space-between;align-items:baseline}.fundcard .head .code{font-family:Georgia,serif;font-size:22px;font-weight:700}.fundcard .head .type{font-size:11px;opacity:.9}.fundcard .body{padding:14px 16px 16px}.fundcard .body .name{font-weight:700;color:var(--navy);margin-bottom:6px;font-size:14.5px}.fundcard .body .desc{font-size:13px;color:var(--ink)}.panel{background:var(--paper);border:1px solid var(--border);border-radius:6px;padding:20px;margin:18px 0;box-shadow:0 2px 8px #0000000d}.panel h3{font-size:18px;margin-bottom:12px}.callout{background:var(--navy);color:#fff;border-radius:6px;padding:18px 20px;margin:18px 0}.callout .label{color:var(--gold);font-size:11px;font-weight:700;letter-spacing:.2em;text-transform:uppercase;margin-bottom:8px}.callout p{font-size:14.5px}.callout strong{color:var(--gold)}.metrics{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:12px;margin:14px 0}.metric{background:var(--paper);border:1px solid var(--border);border-radius:6px;padding:14px;text-align:center}.metric .v{font-family:Georgia,serif;font-size:26px;font-weight:700;color:var(--navy)}.metric .v.pos{color:var(--green)}.metric .v.neg{color:var(--red)}.metric .k{font-size:11px;color:var(--muted);text-transform:uppercase;letter-spacing:.08em;margin-top:4px}.fundpick{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:6px}.fundpick button{border:2px solid var(--border);background:var(--paper);border-radius:999px;padding:8px 18px;font-weight:700;font-size:13.5px;cursor:pointer;color:var(--muted)}.fundpick button.active{color:#fff}.sliderrow{display:flex;align-items:center;gap:16px;margin:14px 0;flex-wrap:wrap}.sliderrow label{font-weight:700;color:var(--navy);min-width:200px;font-size:14px}.sliderrow input[type=range]{flex:1;min-width:200px;accent-color:var(--red);height:6px}.sliderrow .val{font-family:Georgia,serif;font-size:22px;font-weight:700;color:var(--red);min-width:64px;text-align:right}.weightbar{display:flex;height:34px;border-radius:6px;overflow:hidden;margin:10px 0 4px;border:1px solid var(--border)}.weightbar div{display:flex;align-items:center;justify-content:center;color:#fff;font-size:12.5px;font-weight:700;min-width:0;overflow:hidden;white-space:nowrap}.verdict{border-radius:6px;padding:14px 18px;margin-top:14px;font-size:14.5px;font-weight:600}.verdict.good{background:#e7f3ea;border:1px solid var(--green);color:#14532d}.verdict.bad{background:#fdeceb;border:1px solid var(--red);color:#7f1d1d}.presets{display:flex;gap:10px;flex-wrap:wrap;margin:10px 0}.presets button{border:2px solid var(--navy);background:var(--paper);color:var(--navy);border-radius:6px;padding:9px 16px;font-weight:700;font-size:13px;cursor:pointer}.presets button:hover{background:var(--navy);color:#fff}table.simple{width:100%;border-collapse:collapse;font-size:14px;margin:10px 0}table.simple th{background:var(--navy);color:#fff;padding:9px 12px;text-align:left;font-weight:600}table.simple td{padding:8px 12px;border-bottom:1px solid var(--border)}table.simple tr:nth-child(2n) td{background:#faf7f2}.takeaways{background:var(--navy);border-left:10px solid var(--gold);color:#fff;padding:44px 24px;margin-top:44px}.takeaways .inner{max-width:1080px;margin:0 auto}.takeaways h2{color:var(--gold);font-size:14px;letter-spacing:.3em;text-transform:uppercase;font-family:inherit;margin-bottom:18px}.takeaways ol{list-style:none;counter-reset:tk}.takeaways li{counter-increment:tk;font-family:Georgia,serif;font-size:clamp(19px,2.6vw,27px);font-weight:700;padding:10px 0}.takeaways li:before{content:counter(tk) ".  ";color:var(--gold)}.takeaways .foot{color:#9dafc4;font-size:12.5px;margin-top:22px}.note{font-size:12.5px;color:var(--muted);font-style:italic;margin-top:8px}.chartwrap{width:100%;height:360px}.chartwrap.tall{height:420px}footer.page{text-align:center;color:var(--muted);font-size:12px;padding:26px}