:root {
  color-scheme: light;
  --navy: #081038;
  --navy-deep: #050b26;
  --navy-soft: #1d2a54;
  --gold: #f0b850;
  --gold-deep: #9b6b11;
  --gold-pale: #f7e9c9;
  --paper: #f7f6f2;
  --paper-deep: #eceef3;
  --white: #fff;
  --ink: #171b2a;
  --muted: #5d6474;
  --rule: #aeb3bf;
  --rule-light: #d9dce3;
  --serif: "Iowan Old Style", "Baskerville", "Palatino Linotype", "Book Antiqua", Georgia, serif;
  --sans: Inter, "Aptos", "Helvetica Neue", Arial, sans-serif;
  --mono: "SFMono-Regular", Consolas, "Liberation Mono", monospace;
  --content: 1320px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 84px; }
body { margin: 0; background: var(--paper); color: var(--ink); font-family: var(--sans); font-size: 16px; line-height: 1.7; -webkit-font-smoothing: antialiased; }
img { display: block; max-width: 100%; }
a { color: inherit; }
button, input { font: inherit; }
:focus-visible { outline: 3px solid var(--gold-deep); outline-offset: 3px; }
.skip-link { position: absolute; left: 12px; top: -50px; z-index: 30; padding: 10px 14px; background: var(--navy); color: var(--white); }
.skip-link:focus { top: 12px; }
.section-shell { width: min(100% - 48px, var(--content)); margin-inline: auto; }
.eyebrow { margin: 0; color: var(--muted); font-family: var(--mono); font-size: 10px; font-weight: 700; letter-spacing: .12em; line-height: 1.5; text-transform: uppercase; }
.eyebrow-gold { color: var(--gold-deep); }
.citation { color: var(--gold-deep); font-family: var(--mono); font-size: .84em; font-weight: 700; text-decoration: none; white-space: nowrap; }
.citation:hover { color: var(--navy); text-decoration: underline; text-underline-offset: 2px; }
.citations { white-space: normal; }

.site-header { position: relative; z-index: 10; width: min(100% - 48px, 1390px); margin: 0 auto; border-bottom: 1px solid var(--navy); }
.masthead-row { display: flex; align-items: center; justify-content: space-between; gap: 24px; min-height: 98px; padding: 15px 4px 13px; }
.brand-lockup { display: flex; align-items: center; gap: 18px; min-width: 0; text-decoration: none; }
.publication-lockup { display: flex; align-items: center; gap: 11px; min-width: 0; text-decoration: none; }
.publication-mark { flex: 0 0 auto; width: 52px; height: 52px; object-fit: contain; }
.publication-lockup-text { display: flex; flex-direction: column; gap: 3px; min-width: 0; }
.publication-lockup-text strong { color: var(--navy); font-family: var(--serif); font-size: 25px; font-weight: 650; letter-spacing: -.055em; line-height: 1; white-space: nowrap; }
.publication-lockup-text small { color: var(--gold-deep); font-family: var(--mono); font-size: 8px; font-weight: 700; letter-spacing: .12em; line-height: 1.45; text-transform: uppercase; white-space: nowrap; }
.footer-publication-lockup { width: fit-content; max-width: 100%; }
.footer-publication-lockup:hover .publication-lockup-text strong { color: var(--gold-deep); }
.header-actions { display: flex; align-items: center; gap: 18px; }
.edition-stamp { color: var(--muted); font-family: var(--mono); font-size: 10px; letter-spacing: .09em; white-space: nowrap; }
.edition-stamp strong { margin-left: 5px; color: var(--navy); }
.header-call { display: inline-flex; align-items: center; gap: 14px; padding: 10px 14px; border: 1px solid var(--navy); color: var(--navy); font-size: 11px; font-weight: 750; letter-spacing: .08em; text-decoration: none; text-transform: uppercase; white-space: nowrap; }
.header-call:hover { background: var(--navy); color: var(--white); }
.header-call span { color: var(--gold-deep); font-size: 14px; }
.nav-row { display: flex; align-items: center; justify-content: space-between; gap: 24px; min-height: 44px; border-top: 1px solid var(--rule-light); }
.publication-name { margin: 0; color: var(--navy); font-family: var(--mono); font-size: 10px; font-weight: 700; letter-spacing: .1em; }
.publication-name span { padding: 0 4px; color: var(--gold-deep); }
.primary-nav { display: flex; align-items: center; gap: clamp(17px, 2.6vw, 36px); }
.primary-nav a { color: #3b4253; font-size: 11px; font-weight: 650; text-decoration: none; transition: color .18s ease; }
.primary-nav a:hover { color: var(--gold-deep); }
.primary-nav a:last-child { color: var(--navy); font-weight: 750; }
.primary-nav a:last-child span { color: var(--gold-deep); padding-left: 4px; }
.menu-toggle { display: none; }

.hero { display: grid; grid-template-columns: minmax(0, 1.05fr) minmax(355px, .8fr); align-items: stretch; gap: clamp(34px, 5vw, 74px); padding-top: 61px; padding-bottom: 60px; border-bottom: 1px solid var(--navy); }
.hero-copy { display: flex; flex-direction: column; justify-content: center; }
.eyebrow-row { display: flex; align-items: center; justify-content: space-between; gap: 20px; padding-bottom: 13px; border-bottom: 1px solid var(--rule); }
.cutoff-label { margin: 22px 0 0; color: var(--gold-deep); font-family: var(--mono); font-size: 10px; font-weight: 700; letter-spacing: .09em; }
.cutoff-label span { color: var(--navy); padding: 0 4px; }
.hero h1 { max-width: 760px; margin: 20px 0 19px; color: var(--navy); font-family: var(--serif); font-size: clamp(47px, 6.2vw, 81px); font-weight: 600; letter-spacing: -.06em; line-height: .99; }
.hero h1 em, h2 em { color: var(--gold-deep); font-weight: 500; }
.hero-intro { max-width: 700px; margin: 0; padding-left: 17px; border-left: 3px solid var(--gold); color: #404657; font-size: 14px; line-height: 1.78; }
.hero-meta { display: flex; justify-content: space-between; gap: 16px; margin-top: 25px; padding-top: 12px; border-top: 1px solid var(--rule-light); color: var(--muted); font-family: var(--mono); font-size: 9px; font-weight: 700; letter-spacing: .09em; }
.hero-market-panel { align-self: center; min-height: 425px; padding: 27px 29px 24px; background: var(--navy); color: var(--white); box-shadow: 10px 10px 0 var(--gold-pale); }
.panel-topline { display: flex; align-items: center; justify-content: space-between; padding-bottom: 13px; border-bottom: 1px solid rgba(255,255,255,.25); }
.panel-topline .eyebrow { color: #d2d7e5; }
.panel-dot { width: 9px; height: 9px; border-radius: 50%; background: var(--gold); box-shadow: 0 0 0 4px rgba(240,184,80,.15); }
.market-current { display: flex; flex-direction: column; align-items: flex-start; padding: 23px 0 18px; }
.market-current strong { color: var(--gold); font-family: var(--serif); font-size: clamp(69px, 8vw, 105px); font-weight: 500; letter-spacing: -.08em; line-height: .9; font-variant-numeric: tabular-nums; }
.market-current strong span { font-size: .61em; }
.market-current small { margin-top: 14px; color: #d8ddeb; font-family: var(--mono); font-size: 9px; letter-spacing: .11em; }
.rate-compare { display: grid; gap: 8px; padding: 15px 0 16px; border-top: 1px solid rgba(255,255,255,.25); }
.rate-compare-label { display: flex; align-items: baseline; justify-content: space-between; gap: 10px; color: #d2d7e5; font-family: var(--mono); font-size: 9px; letter-spacing: .07em; }
.rate-compare-label strong { color: var(--white); font-size: 11px; font-weight: 700; }
.rate-track { height: 7px; overflow: hidden; background: rgba(255,255,255,.18); }
.rate-fill { display: block; height: 100%; background: var(--gold); }
.rate-fill.prewar { width: 78.9%; opacity: .7; }
.rate-fill.current { width: 100%; }
.panel-change { display: flex; align-items: center; justify-content: space-between; gap: 12px; padding-top: 15px; border-top: 1px solid rgba(255,255,255,.25); }
.panel-change span { max-width: 175px; color: #d2d7e5; font-family: var(--mono); font-size: 9px; letter-spacing: .07em; }
.panel-change strong { color: var(--gold); font-family: var(--serif); font-size: 33px; font-weight: 500; white-space: nowrap; }
.panel-change small { font-family: var(--mono); font-size: 10px; }
.panel-note { margin: 14px 0 0; color: #c5cbda; font-size: 10px; line-height: 1.6; }
.panel-note .citation { color: var(--gold); }

.signal-strip { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); width: min(100% - 48px, var(--content)); margin: 0 auto; border-bottom: 1px solid var(--navy); }
.signal-cell { min-height: 119px; padding: 18px 21px; border-right: 1px solid var(--rule); }
.signal-cell:first-child { padding-left: 0; }
.signal-cell:last-child { padding-right: 0; border-right: 0; }
.signal-cell strong { display: block; margin-top: 8px; color: var(--navy); font-family: var(--serif); font-size: 32px; font-weight: 600; letter-spacing: -.04em; line-height: 1; font-variant-numeric: tabular-nums; }
.signal-cell p { margin: 7px 0 0; color: var(--muted); font-size: 10px; line-height: 1.55; }

.section-shell { padding-top: 74px; padding-bottom: 72px; }
.section-kicker { display: flex; align-items: center; justify-content: space-between; gap: 18px; padding-bottom: 12px; border-bottom: 1px solid var(--rule); }
.section-number { color: var(--muted); font-family: var(--mono); font-size: 9px; letter-spacing: .11em; text-transform: uppercase; }
h2 { margin: 0; color: var(--navy); font-family: var(--serif); font-size: clamp(36px, 4.6vw, 58px); font-weight: 600; letter-spacing: -.052em; line-height: 1.02; }
.impact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 8%; padding-top: 34px; }
.impact-grid h2 { max-width: 680px; }
.section-copy { color: #3f475a; font-size: 14px; line-height: 1.75; }
.section-copy p { margin: 0 0 14px; }
.impact-visual { margin-top: 41px; padding: 25px 29px 17px; border-top: 1px solid var(--navy); border-bottom: 1px solid var(--navy); background: rgba(255,255,255,.46); }
.impact-row { display: grid; grid-template-columns: 185px minmax(0, 1fr) 82px; align-items: center; gap: 16px; min-height: 39px; }
.impact-date { color: var(--muted); font-family: var(--mono); font-size: 9px; font-weight: 700; letter-spacing: .07em; }
.impact-bar-track { height: 13px; background: #d9dce3; }
.impact-bar-track span { display: block; height: 100%; background: var(--navy-soft); }
.impact-bar-track .bar-current { background: var(--gold-deep); }
.impact-row strong { color: var(--navy); font-family: var(--mono); font-size: 13px; text-align: right; }
.impact-delta { display: flex; align-items: center; gap: 16px; height: 29px; padding-left: 185px; color: var(--gold-deep); font-family: var(--mono); font-size: 9px; font-weight: 700; letter-spacing: .07em; }
.impact-delta i { display: block; width: 1px; height: 100%; background: var(--gold); }
.chart-caption { margin: 14px 0 0; color: var(--muted); font-family: var(--mono); font-size: 9px; letter-spacing: .05em; }

.calculator-section { border-block: 1px solid var(--navy); background: var(--paper-deep); }
.calculator-section .section-shell { padding-top: 66px; padding-bottom: 60px; }
.calculator-heading { display: flex; align-items: flex-end; justify-content: space-between; gap: 26px; padding: 28px 0 25px; }
.calculator-heading h2 { max-width: 730px; }
.calculator-heading > div > p { margin: 12px 0 0; color: var(--muted); font-size: 13px; line-height: 1.65; }
.example-stamp { min-width: 164px; margin: 0 0 3px; padding: 10px 12px; border: 1px solid var(--gold-deep); color: var(--navy); }
.example-stamp span, .example-stamp strong { display: block; }
.example-stamp span { color: var(--gold-deep); font-family: var(--mono); font-size: 9px; font-weight: 700; letter-spacing: .07em; }
.example-stamp strong { margin-top: 4px; font-family: var(--serif); font-size: 16px; font-style: italic; font-weight: 500; }
.calculator-grid { display: grid; grid-template-columns: minmax(270px, .72fr) minmax(0, 1.28fr); border: 1px solid var(--navy); background: var(--paper); }
.calculator-inputs { padding: 23px 25px 24px; border-right: 1px solid var(--navy); }
.form-heading { display: flex; align-items: center; justify-content: space-between; margin-bottom: 17px; }
.editable-note { color: var(--gold-deep); font-family: var(--mono); font-size: 9px; font-weight: 700; letter-spacing: .09em; }
.field-label { display: block; margin: 0 0 7px; color: var(--ink); font-size: 10px; font-weight: 700; }
.amount-field { display: flex; align-items: center; min-height: 44px; border: 1px solid var(--rule); background: var(--white); }
.amount-field > span { padding: 0 11px; color: var(--muted); font-family: var(--mono); }
.amount-field input { width: 100%; min-width: 0; height: 42px; padding: 0 11px; border: 0; outline: none; background: transparent; color: var(--navy); font-family: var(--mono); font-size: 15px; }
.amount-field:focus-within { outline: 2px solid var(--gold-deep); outline-offset: 2px; }
.amount-field input:focus-visible { outline: none; }
.range-input { width: 100%; height: 18px; margin: 14px 0 0; accent-color: var(--gold-deep); cursor: pointer; }
.range-labels { display: flex; justify-content: space-between; color: var(--muted); font-family: var(--mono); font-size: 9px; }
.field-help { min-height: 27px; margin: 7px 0 14px; color: var(--muted); font-size: 10px; line-height: 1.5; }
.field-help.is-error { color: #a52a26; font-weight: 700; }
.preset-label { margin-top: 17px; font-family: var(--mono); font-size: 9px; letter-spacing: .07em; }
.preset-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 7px; margin-top: 8px; }
.preset-grid button { min-height: 38px; padding: 4px 6px; border: 1px solid var(--rule); background: transparent; color: var(--navy); cursor: pointer; font-family: var(--mono); font-size: 10px; font-weight: 700; }
.preset-grid button:hover, .preset-grid button[aria-pressed="true"] { border-color: var(--navy); background: var(--navy); color: var(--white); }
.assumption-note { margin: 14px 0 0; color: var(--muted); font-size: 10px; line-height: 1.55; }
.calculator-results { padding: 24px 25px 20px; }
.results-topline { display: flex; align-items: center; justify-content: space-between; gap: 12px; padding-bottom: 14px; border-bottom: 1px solid var(--rule); }
.result-based-on { color: var(--muted); font-size: 10px; text-align: right; }
.payment-pair { display: grid; grid-template-columns: 1fr 1fr; }
.payment-card { min-height: 132px; padding: 18px 15px 12px; border-right: 1px solid var(--rule); }
.payment-card:first-child { padding-left: 0; }
.payment-card:last-child { padding-left: 22px; border-right: 0; }
.payment-card-accent .eyebrow { color: var(--gold-deep); }
.payment-value { display: block; margin-top: 13px; color: var(--navy); font-family: var(--serif); font-size: clamp(32px, 4vw, 49px); font-weight: 600; letter-spacing: -.06em; line-height: 1; font-variant-numeric: tabular-nums; }
.payment-unit { display: block; margin-top: 7px; color: var(--muted); font-size: 10px; }
.difference-row { display: grid; grid-template-columns: 1fr 1fr; border-block: 1px solid var(--navy); }
.difference-row > div { padding: 13px 12px 12px; border-right: 1px solid var(--rule); }
.difference-row > div:first-child { padding-left: 0; }
.difference-row > div:last-child { padding-left: 19px; border-right: 0; }
.difference-row strong { display: block; margin-top: 4px; color: var(--gold-deep); font-family: var(--serif); font-size: 26px; font-weight: 600; font-variant-numeric: tabular-nums; line-height: 1.1; }
.difference-row small { display: block; margin-top: 3px; color: var(--muted); font-size: 10px; }
.difference-summary { margin: 12px 0 0; color: #50586b; font-size: 11px; }
.calculator-disclaimer { margin: 16px 0 0; color: #50586b; font-size: 10px; line-height: 1.7; }

.mbs-section .section-shell { padding-top: 71px; padding-bottom: 68px; }
.split-heading { display: grid; grid-template-columns: 1fr .92fr; align-items: end; gap: 8%; padding-top: 31px; }
.split-heading h2 { max-width: 720px; }
.data-card-grid { display: grid; margin-top: 35px; border-block: 1px solid var(--navy); }
.data-card-grid.three-up { grid-template-columns: repeat(3, 1fr); }
.data-card-grid.four-up { grid-template-columns: repeat(4, 1fr); }
.data-card { min-height: 151px; padding: 19px 19px 18px; border-right: 1px solid var(--rule); }
.data-card:first-child { padding-left: 0; }
.data-card:last-child { padding-right: 0; border-right: 0; }
.data-card strong { display: block; margin-top: 12px; color: var(--navy); font-family: var(--serif); font-size: clamp(29px, 3.6vw, 43px); font-weight: 600; letter-spacing: -.05em; line-height: 1; font-variant-numeric: tabular-nums; }
.data-card p { max-width: 290px; margin: 9px 0 0; color: var(--muted); font-size: 11px; line-height: 1.6; }
.mbs-section .section-copy { font-size: 15px; line-height: 1.8; }
.mbs-section .section-copy strong { color: var(--navy); }
.mbs-section .data-card p { max-width: 330px; }

.timeline-section { border-block: 1px solid var(--navy); background: var(--paper-deep); }
.timeline-section .section-shell { padding-top: 68px; padding-bottom: 61px; }
.timeline-list { display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); margin: 35px 0 0; padding: 0; border-top: 1px solid var(--navy); border-bottom: 1px solid var(--navy); list-style: none; }
.timeline-list li { min-height: 154px; padding: 14px 15px 16px; border-right: 1px solid var(--rule); border-bottom: 1px solid var(--rule-light); }
.timeline-list li:nth-child(5n) { border-right: 0; }
.timeline-list li:nth-last-child(-n+5) { border-bottom: 0; }
.timeline-list time { color: var(--gold-deep); font-family: var(--mono); font-size: 9px; font-weight: 700; letter-spacing: .09em; }
.timeline-list h3 { margin: 11px 0 6px; color: var(--navy); font-family: var(--serif); font-size: 17px; font-weight: 600; line-height: 1.15; }
.timeline-list p { margin: 0; color: var(--muted); font-size: 10px; line-height: 1.55; }
.timeline-conclusion { max-width: 860px; margin: 19px 0 0; padding-left: 15px; border-left: 3px solid var(--gold); color: var(--navy); font-family: var(--serif); font-size: 16px; font-style: italic; }

.oil-section .section-shell { padding-top: 72px; padding-bottom: 69px; }
.source-note { margin: 16px 0 0; color: var(--muted); font-size: 11px; line-height: 1.7; }
.inflation-section { border-block: 1px solid var(--navy); background: #f0f1f4; }
.inflation-section .section-shell { padding-top: 69px; padding-bottom: 62px; }
.table-wrap { margin-top: 31px; overflow-x: auto; border-top: 1px solid var(--navy); border-bottom: 1px solid var(--navy); }
.inflation-table { width: 100%; border-collapse: collapse; color: var(--ink); font-size: 11px; }
.inflation-table caption { padding: 14px 0 11px; color: var(--gold-deep); font-family: var(--mono); font-size: 9px; font-weight: 700; letter-spacing: .09em; text-align: left; }
.inflation-table th, .inflation-table td { padding: 10px 13px; border-top: 1px solid var(--rule-light); text-align: left; vertical-align: top; }
.inflation-table thead th { color: var(--muted); font-family: var(--mono); font-size: 9px; letter-spacing: .07em; text-transform: uppercase; }
.inflation-table tbody th { color: var(--navy); font-weight: 700; white-space: nowrap; }
.inflation-table tbody td:nth-child(2) { color: var(--navy); font-family: var(--mono); font-weight: 700; white-space: nowrap; }
.inflation-table tbody tr:nth-child(even) { background: rgba(255,255,255,.46); }

.factors-section .section-shell { padding-top: 72px; padding-bottom: 72px; }
.factor-deck { max-width: 420px; margin: 0; color: var(--muted); font-size: 13px; line-height: 1.65; }
.factor-grid { display: grid; grid-template-columns: 1fr 1fr; margin-top: 35px; border-top: 1px solid var(--navy); }
.factor-card { display: grid; grid-template-columns: 44px 1fr; gap: 14px; padding: 22px 22px 24px 0; border-bottom: 1px solid var(--rule); }
.factor-card:nth-child(odd) { padding-right: 25px; border-right: 1px solid var(--rule); }
.factor-card:nth-child(even) { padding-left: 24px; }
.factor-number { color: var(--gold-deep); font-family: var(--mono); font-size: 11px; font-weight: 700; }
.factor-card h3 { margin: 0 0 8px; color: var(--navy); font-family: var(--serif); font-size: 22px; font-weight: 600; line-height: 1.15; }
.factor-card p { margin: 0; color: #50586b; font-size: 12px; line-height: 1.65; }

.fed-section { border-block: 1px solid var(--navy); background: var(--paper-deep); }
.fed-section .section-shell { padding-top: 68px; padding-bottom: 60px; }
.fed-metrics { margin-top: 30px; }
.fed-metrics .data-card { min-height: 131px; }
.fed-metrics .data-card strong { font-size: clamp(24px, 3vw, 37px); }
.rate-transmission { margin: 21px 0 0; padding: 18px 20px; border-left: 3px solid var(--gold); background: rgba(255,255,255,.48); color: var(--navy); font-family: var(--serif); font-size: 17px; font-style: italic; }
.rate-transmission footer { margin-top: 9px; color: var(--muted); font-family: var(--sans); font-size: 10px; font-style: normal; }

.outlook-section { padding-top: 72px; padding-bottom: 74px; }
.outlook-list { display: grid; grid-template-columns: repeat(5, 1fr); margin: 35px 0 0; padding: 0; border-top: 1px solid var(--navy); border-bottom: 1px solid var(--navy); list-style: none; }
.outlook-list li { min-height: 205px; padding: 17px 17px 19px; border-right: 1px solid var(--rule); }
.outlook-list li:first-child { padding-left: 0; }
.outlook-list li:last-child { padding-right: 0; border-right: 0; }
.outlook-list li > span { color: var(--gold-deep); font-family: var(--mono); font-size: 10px; font-weight: 700; }
.outlook-list h3 { margin: 17px 0 8px; color: var(--navy); font-family: var(--serif); font-size: 18px; font-weight: 600; line-height: 1.15; }
.outlook-list p { margin: 0; color: var(--muted); font-size: 11px; line-height: 1.6; }

.bottom-line { padding: 48px 24px 50px; border-block: 1px solid var(--navy); background: var(--navy); color: var(--white); }
.bottom-line-inner { max-width: 1120px; margin: 0 auto; }
.bottom-line .eyebrow { color: var(--gold); }
.bottom-line h2 { margin-top: 20px; color: var(--white); font-size: clamp(31px, 4.3vw, 51px); line-height: 1.1; }
.bottom-line h2 .citation, .bottom-line p .citation { color: var(--gold); }
.bottom-line > div > p:last-child { max-width: 940px; margin: 18px 0 0; color: #d8deeb; font-size: 13px; line-height: 1.75; }

.sources-section .section-shell { padding-top: 66px; padding-bottom: 68px; }
.sources-section h2 { margin-top: 28px; }
.source-method { max-width: 1060px; margin: 19px 0 24px; color: #50586b; font-size: 12px; line-height: 1.75; }
.source-list { display: grid; grid-template-columns: 1fr 1fr; column-gap: 38px; margin: 0; padding: 20px 0 0 30px; border-top: 1px solid var(--navy); color: var(--muted); font-size: 11px; line-height: 1.55; }
.source-list li { padding: 6px 8px 7px 2px; border-bottom: 1px solid var(--rule-light); }
.source-list li::marker { color: var(--gold-deep); font-family: var(--mono); font-weight: 700; }
.source-list a { color: #333b50; text-decoration: none; text-underline-offset: 3px; }
.source-list a:hover { color: var(--gold-deep); text-decoration: underline; }
.source-list li:target { background: var(--gold-pale); }

.contact-section { border-block: 1px solid var(--navy); background: var(--navy); color: var(--white); }
.contact-inner { display: grid; grid-template-columns: 1fr .92fr; align-items: center; gap: 8%; width: min(100% - 48px, 1160px); margin: 0 auto; padding: 55px 0; }
.contact-copy .eyebrow { color: var(--gold); }
.contact-copy h2 { margin-top: 15px; color: var(--white); font-size: clamp(37px, 4.8vw, 59px); }
.contact-copy h2 em { color: var(--gold); }
.contact-copy > p:last-child { max-width: 520px; margin: 17px 0 0; color: #d8deeb; font-size: 13px; line-height: 1.65; }
.contact-card { padding: 24px 25px 20px; border: 1px solid rgba(255,255,255,.35); background: rgba(255,255,255,.035); }
.contact-card > .eyebrow { color: var(--gold); }
.contact-card > strong { display: block; margin-top: 9px; color: var(--white); font-family: var(--serif); font-size: 24px; font-weight: 600; }
.contact-card > p { margin: 2px 0 16px; color: #d8deeb; font-size: 12px; }
.contact-actions { border-top: 1px solid rgba(255,255,255,.23); }
.contact-actions a { display: grid; grid-template-columns: 1fr auto 18px; align-items: center; gap: 12px; min-height: 48px; border-bottom: 1px solid rgba(255,255,255,.23); color: var(--white); text-decoration: none; }
.contact-actions a span { color: #c9cfdd; font-family: var(--mono); font-size: 10px; font-weight: 700; letter-spacing: .08em; }
.contact-actions a strong { color: var(--gold); font-size: 11px; font-weight: 650; text-align: right; }
.contact-actions a b { color: var(--gold); font-size: 14px; text-align: right; }
.contact-actions a:hover strong, .contact-actions a:hover span { text-decoration: underline; text-underline-offset: 3px; }

.site-footer { width: min(100% - 48px, 1320px); margin: 0 auto; padding: 29px 0 16px; }
.footer-main { display: grid; grid-template-columns: 1fr auto; gap: 40px; padding-bottom: 23px; border-bottom: 1px solid var(--navy); }
.footer-identity .publication-mark { width: 52px; height: 52px; }
.footer-identity > .footer-publication-lockup { margin-bottom: 8px; }
.footer-identity > p { margin: 9px 0 0; color: var(--muted); font-size: 10px; }
.footer-identity > strong { display: block; margin-top: 10px; color: var(--navy); font-size: 11px; }
.footer-identity > p a { color: var(--navy); text-decoration: none; }
.footer-identity > p a:hover { text-decoration: underline; }
.footer-identity > p span { padding: 0 7px; color: var(--gold-deep); }
.footer-licensing { min-width: 245px; }
.footer-licensing > p:not(.eyebrow) { margin: 9px 0 0; color: #485063; font-size: 10px; line-height: 1.7; }
.footer-licensing a { color: var(--navy); text-decoration-color: var(--gold); text-underline-offset: 3px; }
.footer-disclosure { padding: 17px 0 13px; border-bottom: 1px solid var(--rule); }
.footer-disclosure > p:not(.eyebrow) { max-width: 1060px; margin: 7px 0 0; color: #50586b; font-size: 10px; line-height: 1.7; }
.footer-disclosure .snapshot-disclosure { color: var(--muted); }
.footer-bottom { display: flex; align-items: center; justify-content: space-between; gap: 16px; padding-top: 12px; color: var(--muted); font-family: var(--mono); font-size: 9px; letter-spacing: .06em; }
.footer-bottom a { color: var(--navy); font-family: var(--sans); font-size: 10px; font-weight: 700; letter-spacing: 0; text-decoration: none; }
.footer-bottom a:hover { text-decoration: underline; }

@media (max-width: 1100px) {
  .brand-lockup { gap: 12px; }
  .publication-mark { width: 48px; height: 48px; }
  .publication-lockup-text strong { font-size: 22px; }
  .header-actions { gap: 11px; }
  .edition-stamp { display: none; }
  .timeline-list li { padding-inline: 12px; }
  .timeline-list h3 { font-size: 15px; }
}

@media (max-width: 860px) {
  .site-header { width: min(100% - 32px, 1390px); }
  .masthead-row { min-height: 80px; }
  .publication-mark { width: 44px; height: 44px; }
  .publication-lockup-text strong { font-size: 20px; }
  .menu-toggle { display: flex; flex-direction: column; justify-content: center; gap: 5px; width: 42px; height: 40px; padding: 8px; border: 1px solid var(--navy); background: transparent; cursor: pointer; }
  .menu-toggle span { display: block; width: 100%; height: 1px; background: var(--navy); transition: transform .18s ease; }
  .menu-toggle[aria-expanded="true"] span:first-child { transform: translateY(3px) rotate(45deg); }
  .menu-toggle[aria-expanded="true"] span:last-child { transform: translateY(-3px) rotate(-45deg); }
  .primary-nav { position: absolute; top: 100%; right: 0; left: 0; display: none; align-items: stretch; gap: 0; padding: 8px 18px 12px; border: 1px solid var(--rule); border-top: 0; background: var(--paper); box-shadow: 0 10px 18px rgba(8,16,56,.1); }
  .primary-nav.is-open { display: flex; flex-direction: column; }
  .primary-nav a { padding: 11px 3px; border-bottom: 1px solid var(--rule-light); }
  .primary-nav a:last-child { border-bottom: 0; }
  .nav-row { min-height: 40px; }
  .hero { grid-template-columns: 1fr .83fr; gap: 30px; padding-top: 45px; padding-bottom: 45px; }
  .hero-market-panel { min-height: 397px; padding: 23px 21px 20px; }
  .hero h1 { font-size: clamp(43px, 6vw, 62px); }
  .eyebrow-row { align-items: flex-start; }
  .eyebrow-row .eyebrow:last-child { text-align: right; }
  .impact-grid, .split-heading { gap: 5%; }
  .timeline-list { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .timeline-list li:nth-child(5n) { border-right: 1px solid var(--rule); }
  .timeline-list li:nth-child(3n) { border-right: 0; }
  .timeline-list li:nth-last-child(-n+5) { border-bottom: 1px solid var(--rule-light); }
  .timeline-list li:nth-last-child(-n+1) { border-bottom: 0; }
  .outlook-list { grid-template-columns: repeat(3, 1fr); }
  .outlook-list li:nth-child(3) { border-right: 0; }
  .outlook-list li:nth-child(n+4) { border-top: 1px solid var(--rule); }
  .contact-inner { gap: 5%; }
}

@media (max-width: 680px) {
  body { font-size: 16px; }
  .section-shell, .signal-strip, .site-footer { width: min(100% - 32px, var(--content)); }
  .site-header { width: calc(100% - 32px); }
  .masthead-row { align-items: center; min-height: 74px; padding: 10px 0; }
  .brand-lockup { gap: 8px; }
  .publication-lockup { gap: 7px; }
  .publication-mark { width: 38px; height: 38px; }
  .publication-lockup-text strong { font-size: clamp(15px, 4vw, 18px); }
  .publication-lockup-text small { font-size: 8px; letter-spacing: .08em; }
  .header-actions { gap: 8px; }
  .header-call { min-height: 37px; padding: 7px 9px; gap: 5px; font-size: 9px; }
  .header-call span { font-size: 11px; }
  .menu-toggle { width: 37px; height: 37px; padding: 7px; }
  .nav-row { min-height: 37px; }
  .publication-name { font-size: 9px; }
  .hero { grid-template-columns: 1fr; gap: 29px; padding-top: 34px; padding-bottom: 35px; }
  .eyebrow-row { gap: 10px; }
  .eyebrow { font-size: 9px; }
  .cutoff-label { margin-top: 18px; font-size: 9px; line-height: 1.5; }
  .hero h1 { margin: 16px 0; font-size: clamp(43px, 12vw, 60px); }
  .hero-intro { font-size: 14px; }
  .hero-meta { font-size: 9px; }
  .hero-market-panel { min-height: unset; padding: 22px 20px 19px; box-shadow: 6px 6px 0 var(--gold-pale); }
  .market-current { padding: 18px 0 13px; }
  .market-current strong { font-size: 78px; }
  .signal-strip { grid-template-columns: 1fr 1fr; }
  .signal-cell { min-height: 102px; padding: 13px 12px; border-bottom: 1px solid var(--rule); }
  .signal-cell:first-child { padding-left: 12px; }
  .signal-cell:nth-child(2) { border-right: 0; }
  .signal-cell:nth-child(3) { padding-left: 12px; border-bottom: 0; }
  .signal-cell:last-child { padding-right: 12px; border-bottom: 0; }
  .signal-cell strong { font-size: 28px; }
  .signal-cell p { font-size: 10px; }
  .section-shell { padding-top: 54px; padding-bottom: 53px; }
  .section-kicker { align-items: flex-start; }
  .section-number { text-align: right; }
  h2 { font-size: clamp(34px, 9vw, 46px); }
  .impact-grid, .split-heading { grid-template-columns: 1fr; gap: 17px; padding-top: 24px; }
  .impact-grid h2 { font-size: 39px; }
  .section-copy { font-size: 14px; }
  .impact-visual { margin-top: 26px; padding: 18px 14px 14px; }
  .impact-row { grid-template-columns: 1fr 58px; gap: 9px; }
  .impact-date { grid-column: 1 / -1; }
  .impact-bar-track { grid-column: 1; grid-row: 2; }
  .impact-row strong { grid-column: 2; grid-row: 2; }
  .impact-delta { height: 25px; padding-left: 0; }
  .chart-caption { font-size: 9px; }
  .calculator-section .section-shell { padding-top: 50px; padding-bottom: 47px; }
  .calculator-heading { display: block; padding: 23px 0 21px; }
  .calculator-heading h2 { font-size: 36px; }
  .example-stamp { display: inline-block; margin-top: 14px; }
  .calculator-grid { grid-template-columns: 1fr; }
  .calculator-inputs { padding: 19px 18px 18px; border-right: 0; border-bottom: 1px solid var(--navy); }
  .calculator-results { padding: 19px 18px 18px; }
  .results-topline { align-items: flex-start; }
  .result-based-on { max-width: 120px; }
  .payment-card { min-height: 112px; padding: 14px 10px 10px; }
  .payment-value { margin-top: 10px; font-size: 37px; }
  .payment-card:last-child { padding-left: 13px; }
  .difference-row > div { padding: 12px 8px 11px; }
  .difference-row > div:last-child { padding-left: 12px; }
  .difference-row strong { font-size: 22px; }
  .calculator-disclaimer { font-size: 10px; }
  .data-card-grid.three-up, .data-card-grid.four-up { grid-template-columns: 1fr 1fr; }
  .data-card { min-height: 126px; padding: 15px 12px 14px; border-bottom: 1px solid var(--rule); }
  .data-card:first-child { padding-left: 12px; }
  .data-card:nth-child(2n) { border-right: 0; }
  .data-card:nth-last-child(-n+2) { border-bottom: 0; }
  .data-card strong { font-size: 31px; }
  .data-card p { font-size: 10px; }
  .timeline-section .section-shell { padding-top: 51px; padding-bottom: 46px; }
  .timeline-list { grid-template-columns: 1fr 1fr; margin-top: 25px; }
  .timeline-list li, .timeline-list li:nth-child(5n), .timeline-list li:nth-child(3n) { min-height: 139px; padding: 12px 10px; border-right: 1px solid var(--rule); border-bottom: 1px solid var(--rule-light); }
  .timeline-list li:nth-child(2n) { border-right: 0; }
  .timeline-list li:last-child { border-bottom: 0; }
  .timeline-list h3 { font-size: 17px; }
  .timeline-conclusion { font-size: 14px; }
  .inflation-table { min-width: 640px; }
  .factor-grid { grid-template-columns: 1fr; margin-top: 24px; }
  .factor-card, .factor-card:nth-child(odd), .factor-card:nth-child(even) { padding: 18px 0; border-right: 0; }
  .factor-card h3 { font-size: 20px; }
  .fed-section .section-shell { padding-top: 52px; padding-bottom: 49px; }
  .fed-metrics .data-card { min-height: 120px; }
  .fed-metrics .data-card strong { font-size: 27px; }
  .rate-transmission { padding: 15px; font-size: 15px; }
  .outlook-list { grid-template-columns: 1fr 1fr; margin-top: 26px; }
  .outlook-list li, .outlook-list li:first-child, .outlook-list li:last-child { min-height: 180px; padding: 14px 12px; border-right: 1px solid var(--rule); border-top: 1px solid var(--rule-light); }
  .outlook-list li:nth-child(2n) { border-right: 0; }
  .outlook-list li:nth-child(3) { border-right: 1px solid var(--rule); }
  .outlook-list li:last-child { border-right: 0; }
  .outlook-list h3 { margin-top: 12px; font-size: 16px; }
  .bottom-line { padding: 37px 17px 39px; }
  .bottom-line h2 { font-size: 33px; }
  .bottom-line > div > p:last-child { font-size: 12px; }
  .sources-section .section-shell { padding-top: 52px; padding-bottom: 51px; }
  .sources-section h2 { margin-top: 21px; font-size: 40px; }
  .source-list { grid-template-columns: 1fr; padding-left: 28px; }
  .source-list li { padding-block: 7px; }
  .contact-inner { grid-template-columns: 1fr; gap: 25px; width: calc(100% - 32px); padding: 42px 0; }
  .contact-copy h2 { font-size: 39px; }
  .contact-card { padding: 20px 17px 15px; }
  .contact-actions a { grid-template-columns: 1fr auto 15px; gap: 7px; }
  .contact-actions a strong { font-size: 10px; }
  .footer-main { grid-template-columns: 1fr; gap: 18px; }
  .footer-licensing { min-width: 0; }
  .footer-bottom { align-items: flex-start; flex-direction: column; gap: 7px; font-size: 9px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { scroll-behavior: auto !important; transition-duration: .01ms !important; animation-duration: .01ms !important; animation-iteration-count: 1 !important; }
}