:root{--brand: #8A4B00;--brand-rgb: 138 75 0;--brand-dark: #5C3200;--mark: #0A6B6E;--ink: #101418;--ink-soft: #4A5560;--paper: #FFFFFF;--tint: #F1F4F8;--on-brand: #FFFFFF;--on-brand-soft: rgba(255,255,255,.78);--figure: var(--brand);--gain: #086B35;--cost: #C0182B;--rule: #D5DCE4;--rule-firm: #9AA6B2;--face: "Plus Jakarta Sans", "Segoe UI", system-ui, sans-serif;--s1:4px;--s2:8px;--s3:12px;--s4:16px;--s5:24px;--s6:32px;--s7:48px;--s8:64px;--r-input:4px;--r-block:0;--c-047857: #047857;--c-059669: #059669;--c-065f46: #065F46;--c-10b981: #047857;--c-111827: #111827;--c-1c1208: #1C1208;--c-1f2937: #1F2937;--c-2563eb: #2563EB;--c-3d2009: #3D2009;--c-4a5560: #4A5560;--c-4b5563: #4B5563;--c-5c3200: #5C3200;--c-6b7280: #4B5563;--c-8a4b00: #8A4B00;--c-991b1b: #991B1B;--c-9ca3af: #4B5563;--c-d1fae5: #D1FAE5;--c-d5dce4: #D5DCE4;--c-dc2626: #DC2626;--c-e5e7eb: #E5E7EB;--c-ef4444: #991B1B;--c-f1f4f8: #F1F4F8;--c-f9fafb: #F9FAFB;--c-fafafa: #FAFAFA;--c-fcd34d: #FCD34D;--c-fee2e2: #FEE2E2;--c-fffbeb: #FFFBEB;--c-ffffff: #FFFFFF}*,:before,:after{box-sizing:border-box;border-width:0;border-style:solid;border-color:#e5e7eb}:before,:after{--tw-content: ""}html,:host{line-height:1.5;-webkit-text-size-adjust:100%;-moz-tab-size:4;-o-tab-size:4;tab-size:4;font-family:Plus Jakarta Sans,Segoe UI,system-ui,sans-serif;font-feature-settings:normal;font-variation-settings:normal;-webkit-tap-highlight-color:transparent}body{margin:0;line-height:inherit}hr{height:0;color:inherit;border-top-width:1px}abbr:where([title]){-webkit-text-decoration:underline dotted;text-decoration:underline dotted}h1,h2,h3,h4,h5,h6{font-size:inherit;font-weight:inherit}a{color:inherit;text-decoration:inherit}b,strong{font-weight:bolder}code,kbd,samp,pre{font-family:ui-monospace,SFMono-Regular,Menlo,Monaco,Consolas,Liberation Mono,Courier New,monospace;font-feature-settings:normal;font-variation-settings:normal;font-size:1em}small{font-size:80%}sub,sup{font-size:75%;line-height:0;position:relative;vertical-align:baseline}sub{bottom:-.25em}sup{top:-.5em}table{text-indent:0;border-color:inherit;border-collapse:collapse}button,input,optgroup,select,textarea{font-family:inherit;font-feature-settings:inherit;font-variation-settings:inherit;font-size:100%;font-weight:inherit;line-height:inherit;color:inherit;margin:0;padding:0}button,select{text-transform:none}button,[type=button],[type=reset],[type=submit]{-webkit-appearance:button;background-color:transparent;background-image:none}:-moz-focusring{outline:auto}:-moz-ui-invalid{box-shadow:none}progress{vertical-align:baseline}::-webkit-inner-spin-button,::-webkit-outer-spin-button{height:auto}[type=search]{-webkit-appearance:textfield;outline-offset:-2px}::-webkit-search-decoration{-webkit-appearance:none}::-webkit-file-upload-button{-webkit-appearance:button;font:inherit}summary{display:list-item}blockquote,dl,dd,h1,h2,h3,h4,h5,h6,hr,figure,p,pre{margin:0}fieldset{margin:0;padding:0}legend{padding:0}ol,ul,menu{list-style:none;margin:0;padding:0}dialog{padding:0}textarea{resize:vertical}input::-moz-placeholder,textarea::-moz-placeholder{opacity:1;color:#9ca3af}input::placeholder,textarea::placeholder{opacity:1;color:#9ca3af}button,[role=button]{cursor:pointer}:disabled{cursor:default}img,svg,video,canvas,audio,iframe,embed,object{display:block;vertical-align:middle}img,video{max-width:100%;height:auto}[hidden]{display:none}*,:before,:after{--tw-border-spacing-x: 0;--tw-border-spacing-y: 0;--tw-translate-x: 0;--tw-translate-y: 0;--tw-rotate: 0;--tw-skew-x: 0;--tw-skew-y: 0;--tw-scale-x: 1;--tw-scale-y: 1;--tw-pan-x: ;--tw-pan-y: ;--tw-pinch-zoom: ;--tw-scroll-snap-strictness: proximity;--tw-gradient-from-position: ;--tw-gradient-via-position: ;--tw-gradient-to-position: ;--tw-ordinal: ;--tw-slashed-zero: ;--tw-numeric-figure: ;--tw-numeric-spacing: ;--tw-numeric-fraction: ;--tw-ring-inset: ;--tw-ring-offset-width: 0px;--tw-ring-offset-color: #fff;--tw-ring-color: rgb(59 130 246 / .5);--tw-ring-offset-shadow: 0 0 #0000;--tw-ring-shadow: 0 0 #0000;--tw-shadow: 0 0 #0000;--tw-shadow-colored: 0 0 #0000;--tw-blur: ;--tw-brightness: ;--tw-contrast: ;--tw-grayscale: ;--tw-hue-rotate: ;--tw-invert: ;--tw-saturate: ;--tw-sepia: ;--tw-drop-shadow: ;--tw-backdrop-blur: ;--tw-backdrop-brightness: ;--tw-backdrop-contrast: ;--tw-backdrop-grayscale: ;--tw-backdrop-hue-rotate: ;--tw-backdrop-invert: ;--tw-backdrop-opacity: ;--tw-backdrop-saturate: ;--tw-backdrop-sepia: }::backdrop{--tw-border-spacing-x: 0;--tw-border-spacing-y: 0;--tw-translate-x: 0;--tw-translate-y: 0;--tw-rotate: 0;--tw-skew-x: 0;--tw-skew-y: 0;--tw-scale-x: 1;--tw-scale-y: 1;--tw-pan-x: ;--tw-pan-y: ;--tw-pinch-zoom: ;--tw-scroll-snap-strictness: proximity;--tw-gradient-from-position: ;--tw-gradient-via-position: ;--tw-gradient-to-position: ;--tw-ordinal: ;--tw-slashed-zero: ;--tw-numeric-figure: ;--tw-numeric-spacing: ;--tw-numeric-fraction: ;--tw-ring-inset: ;--tw-ring-offset-width: 0px;--tw-ring-offset-color: #fff;--tw-ring-color: rgb(59 130 246 / .5);--tw-ring-offset-shadow: 0 0 #0000;--tw-ring-shadow: 0 0 #0000;--tw-shadow: 0 0 #0000;--tw-shadow-colored: 0 0 #0000;--tw-blur: ;--tw-brightness: ;--tw-contrast: ;--tw-grayscale: ;--tw-hue-rotate: ;--tw-invert: ;--tw-saturate: ;--tw-sepia: ;--tw-drop-shadow: ;--tw-backdrop-blur: ;--tw-backdrop-brightness: ;--tw-backdrop-contrast: ;--tw-backdrop-grayscale: ;--tw-backdrop-hue-rotate: ;--tw-backdrop-invert: ;--tw-backdrop-opacity: ;--tw-backdrop-saturate: ;--tw-backdrop-sepia: }.visible{visibility:visible}.invisible{visibility:hidden}.collapse{visibility:collapse}.static{position:static}.fixed{position:fixed}.absolute{position:absolute}.relative{position:relative}.block{display:block}.inline-block{display:inline-block}.flex{display:flex}.table{display:table}.grid{display:grid}.contents{display:contents}.hidden{display:none}.grow{flex-grow:1}.border-collapse{border-collapse:collapse}.flex-wrap{flex-wrap:wrap}.border{border-width:1px}.uppercase{text-transform:uppercase}.outline{outline-style:solid}.filter{filter:var(--tw-blur) var(--tw-brightness) var(--tw-contrast) var(--tw-grayscale) var(--tw-hue-rotate) var(--tw-invert) var(--tw-saturate) var(--tw-sepia) var(--tw-drop-shadow)}.transition{transition-property:color,background-color,border-color,text-decoration-color,fill,stroke,opacity,box-shadow,transform,filter,backdrop-filter;transition-timing-function:cubic-bezier(.4,0,.2,1);transition-duration:.15s}@font-face{font-family:Plus Jakarta Sans;src:url(/fonts/plus-jakarta-sans.woff2) format("woff2");font-style:normal;font-weight:400 800;font-display:swap}.on-brand{color:var(--on-brand);--ink:var(--on-brand);--ink-soft:var(--on-brand-soft);--figure:var(--on-brand);--rule:rgba(255,255,255,.22);--rule-firm:rgba(255,255,255,.38)}.on-brand .v.cost,.on-brand .v.gain{color:var(--figure)}.on-brand .avatar,.on-brand .btn-primary{--figure:var(--brand)}*,*:before,*:after{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--face);line-height:1.65;font-variant-numeric:tabular-nums lining-nums;-webkit-font-smoothing:antialiased}a{color:inherit;text-underline-offset:3px}img{display:block;max-width:100%}.khu-wrap,.ku-wrap{width:min(1160px,calc(100% - 40px));margin-inline:auto}.site-nav{position:sticky;top:0;z-index:50;background:var(--paper);border-bottom:1px solid var(--rule)}.nav-i{min-height:68px;display:flex;align-items:center;justify-content:space-between;gap:var(--s5)}.logo,.footer-logo{font-size:1.2rem;font-weight:800;letter-spacing:-.04em;text-decoration:none}.logo{color:var(--brand)}.logo em,.footer-logo em{color:var(--mark);font-style:normal}.nav-links{display:flex;align-items:center;gap:var(--s5);list-style:none;padding:0;margin:0}.nav-links a{color:var(--ink-soft);font-size:.88rem;font-weight:600;text-decoration:none}.nav-links a:hover{color:var(--figure);text-decoration:underline}.nav-cta,.btn-primary{display:inline-block;padding:10px 16px;border-radius:var(--r-input);background:var(--brand);color:var(--on-brand);font-weight:700;text-decoration:none}.site-footer{padding:var(--s7) 0 var(--s6);background:var(--brand-dark);color:var(--on-brand)}.footer-grid{display:grid;grid-template-columns:2fr repeat(3,1fr);gap:var(--s6)}.footer-tagline,.footer-trust,.footer-bottom{color:var(--on-brand-soft);font-size:.8rem}.footer-col-title{font-weight:700;margin:0 0 var(--s3)}.footer-col ul{list-style:none;padding:0;margin:0;display:grid;gap:var(--s2)}.footer-col a{color:var(--on-brand);font-size:.82rem}.footer-bottom{border-top:1px solid var(--rule-firm);margin-top:var(--s6);padding-top:var(--s4);display:flex;justify-content:space-between;gap:var(--s3);flex-wrap:wrap}.subnav{border-bottom:1px solid var(--rule);background:var(--tint)}.subnav>div{display:flex;gap:var(--s5);overflow-x:auto;padding-block:8px}.subnav a{white-space:nowrap;font-size:.78rem;font-weight:700;text-decoration:none;color:var(--ink-soft)}.band{background:var(--brand);color:var(--on-brand)}.band .display,.band .breadcrumb a,.band .byline a{color:var(--on-brand)}.band .standfirst,.band .breadcrumb,.band .byline,.band .eyebrow{color:var(--on-brand-soft)}.band .byline{border-color:#ffffff59}.band .avatar{background:var(--on-brand);color:var(--figure)}.hero-panel{color:var(--on-brand)}.section,.sec{padding:var(--s8) 0}.section.tint,.sec.tint{background:var(--tint)}.sec h2,.section>div>h2{font-size:clamp(24px,3.4vw,32px);font-weight:800;line-height:1.15;letter-spacing:-.03em;margin:0 0 var(--s5)}.display{font-size:clamp(2.2rem,5vw,4.5rem);line-height:1.12;letter-spacing:-.055em;margin:0;padding-bottom:.08em}.standfirst{font-size:clamp(1.05rem,2vw,1.3rem);line-height:1.6;margin-top:var(--s4)}.plain-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--rule);border:1px solid var(--rule)}.plain-card{background:var(--paper);padding:var(--s5)}.plain-card h3{margin:0 0 var(--s3);font-size:21px;font-weight:800;padding-bottom:10px;border-bottom:3px solid var(--brand)}.plain-card p{color:var(--ink-soft)}.plain-card ul{padding-left:1.15rem}.plain-card a{color:var(--figure);font-weight:700}.hero-split{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);min-height:540px;overflow:hidden}.hero-copy{padding:var(--s7) max(var(--s5),calc((100vw - 1160px)/2)) var(--s8);padding-right:var(--s7);align-self:center;min-width:0}.hero-copy .btn-primary{margin-top:var(--s6)}.hero-copy>*{max-width:650px}.feature-copy h2{font-size:28px;font-weight:800}.feature-copy .standfirst{font-size:18px;color:var(--ink-soft);line-height:1.6}.btn-light{display:inline-block;margin-top:var(--s6);padding:10px 16px;border:1px solid var(--brand);border-radius:var(--r-input);color:var(--figure);font-weight:800;text-decoration:none;background:var(--paper)}.hero-image{width:100%;height:100%;min-width:0;-o-object-fit:cover;object-fit:cover}.calculator{background:var(--paper);border:1px solid var(--rule);padding:var(--s6)}.calculator h3{font-size:clamp(34px,6vw,46px);font-weight:800;letter-spacing:-.04em;line-height:1;margin:0 0 var(--s5);color:var(--figure)}.calculator label{display:grid;gap:var(--s2);font-weight:600}.calculator input{width:100%;padding:11px;border:1px solid var(--rule-firm);border-radius:var(--r-input);font:inherit}.calculator-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--s4)}.calculator-result{margin-top:var(--s5);padding-top:var(--s4);border-top:2px solid var(--brand);display:grid;grid-template-columns:repeat(4,1fr);gap:var(--s5)}.calculator-result>div{border-bottom:1px solid var(--rule);padding-bottom:var(--s3)}.calculator-result strong{display:block;font-size:clamp(1.3rem,3vw,2rem);line-height:1.15}.calculator-result>div:first-child strong{font-size:clamp(34px,6vw,46px);font-weight:800;letter-spacing:-.04em;line-height:1;color:var(--figure)}#interest{color:var(--cost)}.split{height:12px;background:var(--rule);display:flex;margin-top:var(--s4)}.split span:first-child{background:var(--brand)}.split span:last-child{background:var(--cost)}.rate-table{width:100%;border-collapse:collapse}.rate-table th,.rate-table td{padding:12px;border-bottom:1px solid var(--rule);text-align:left}.rate-table th{background:var(--brand);color:var(--on-brand)}.product-pick{border:2px solid var(--brand);padding:var(--s5);display:grid;grid-template-columns:1fr auto;gap:var(--s4);align-items:center}.eyebrow{font-size:.78rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--figure)}.article-shell{width:min(1180px,calc(100% - 40px));margin:0 auto;padding:var(--s6) 0 var(--s8)}.article-header{max-width:820px}.breadcrumb{color:var(--ink-soft);font-size:.82rem;margin-bottom:var(--s5)}.breadcrumb a{color:var(--figure)}.article-title{font-size:clamp(2rem,5vw,3.7rem);line-height:1.08;letter-spacing:-.045em;margin:0 0 var(--s4)}.article-standfirst{font-size:1.2rem;color:var(--ink-soft)}.byline{display:flex;gap:var(--s3);align-items:center;padding:var(--s4) 0;border-block:1px solid var(--rule);color:var(--ink-soft);font-size:.82rem}.avatar{width:44px;height:44px;display:grid;place-items:center;border-radius:50%;background:var(--brand);color:var(--on-brand);font-weight:800}.byline a{color:var(--ink);font-weight:700}.takeaways{border:1px solid var(--rule);border-left:5px solid var(--brand);padding:var(--s5);margin:var(--s6) 0}.takeaways h2{margin-top:0;font-size:1.1rem}.article-grid{display:grid;grid-template-columns:minmax(0,760px) 250px;gap:var(--s8);align-items:start}.khu-prose,.ku-prose{font-size:19px;line-height:1.75;max-width:68ch;min-width:0}.khu-prose h2,.ku-prose h2{margin:2.4em 0 .7em;padding-bottom:.35em;border-bottom:2px solid var(--brand);font-size:1.55em;line-height:1.2}.khu-prose h3,.ku-prose h3{margin:1.8em 0 .6em;font-size:1.2em}.khu-prose p,.khu-prose ul,.khu-prose ol,.ku-prose p,.ku-prose ul,.ku-prose ol{margin:0 0 1.25em}.khu-prose a,.ku-prose a{color:var(--figure);font-weight:600}.khu-prose table,.ku-prose table{width:100%;border-collapse:collapse;margin:var(--s6) 0;font-size:.86em;display:block;overflow-x:auto}.khu-prose th,.ku-prose th{background:var(--brand);color:var(--on-brand);font-weight:700}.khu-prose th,.khu-prose td,.ku-prose th,.ku-prose td{padding:10px 12px;border-bottom:1px solid var(--rule);text-align:right;white-space:nowrap}.khu-prose th:first-child,.khu-prose td:first-child,.ku-prose th:first-child,.ku-prose td:first-child{text-align:left}.khu-prose tr:nth-child(2n) td,.ku-prose tr:nth-child(2n) td{background:var(--tint)}.khu-insider-tip,.ku-insider-tip{border:1px solid var(--rule);border-left:5px solid var(--gain);padding:var(--s4) var(--s5);margin:var(--s6) 0}.khu-insider-tip.warn,.ku-insider-tip.warn{border-left-color:var(--cost)}.khu-insider-tip.rule,.ku-insider-tip.rule{border-left-color:var(--figure)}.contents{position:sticky;top:92px;border-top:2px solid var(--ink);padding-top:var(--s4)}.contents p{margin-top:0;font-weight:800}.contents ol{list-style:none;padding:0;display:grid;gap:var(--s3)}.contents a{color:var(--ink-soft);font-size:.82rem;text-decoration:none}.contents a.active{color:var(--figure);font-weight:800}.sources,.author-box,.related{border-top:2px solid var(--ink);margin-top:var(--s7);padding-top:var(--s5)}.author-box{display:grid;grid-template-columns:56px 1fr;gap:var(--s4)}.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--s5)}.related-grid h3{font-size:1rem}.related-grid ul{padding-left:1.2rem}.khu-cta-slot,.ku-cta-slot{border:1px solid var(--rule);padding:var(--s5);margin:var(--s6) 0}.khu-cta-btn,.ku-cta-btn{display:block;background:var(--brand);color:var(--on-brand);padding:var(--s4);border-radius:var(--r-input);text-decoration:none}.khu-cta-sub,.ku-cta-sub{display:block;font-size:.82rem;opacity:.85}@media (max-width:980px){.article-grid{grid-template-columns:1fr}.contents{position:static;order:-1}.hero-split{grid-template-columns:1fr}.hero-image{height:auto;max-height:420px}.hero-copy{padding:var(--s7) max(20px,calc((100vw - 720px)/2))}.calculator-result{grid-template-columns:repeat(2,1fr)}}@media (max-width:760px){.nav-links{display:none}.nav-cta{font-size:.78rem}.footer-grid,.plain-grid,.related-grid,.calculator-grid,.product-pick{grid-template-columns:1fr}.section,.sec{padding:var(--s7) 0}.khu-prose,.ku-prose{font-size:17px}.display{font-size:clamp(2.25rem,12vw,3.25rem)}.calculator{padding:var(--s5)}.calculator-result{grid-template-columns:1fr 1fr;gap:var(--s4)}}.table-scroll{overflow-x:auto}.rate-table{min-width:720px}.rate-table caption{text-align:left;color:var(--ink-soft);font-size:.8rem;line-height:1.5;margin-bottom:var(--s3)}.rate-table th,.rate-table td{text-align:right}.rate-table th:first-child,.rate-table td:first-child{text-align:left}.rate-table tbody tr:nth-child(2n){background:var(--tint)}.rate-table td.gain{color:var(--gain);font-weight:800}.article-stage-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:var(--s5)}.article-stage{border-top:3px solid var(--brand);padding-top:var(--s3)}.article-stage h3{font-size:21px;margin:0 0 var(--s3)}.article-stage ul,.calculator-links{list-style:none;padding:0;margin:0;display:grid;gap:var(--s3)}.article-stage a,.calculator-links a{color:var(--figure);font-weight:700}.calculator-links{grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}.calculator-links li{border-top:1px solid var(--rule);padding-top:var(--s3)}.product-specs{list-style:none;padding:0;margin:var(--s4) 0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:var(--s4)}.product-specs li{border-top:1px solid var(--rule);padding-top:var(--s3)}.product-specs span,.product-specs strong{display:block}.product-specs span{color:var(--ink-soft);font-size:.78rem}.product-specs strong{margin-top:4px}@media (max-width:760px){.article-stage-grid,.product-specs{grid-template-columns:1fr}}