:root{--paper: #f7f6ef;--paper-2: #efeee4;--paper-3: #e4e2d3;--ink: #12233a;--ink-soft: #46586e;--ink-faint: #7a889a;--navy: #0e2a47;--green: #0e7a4e;--red: #b22234;--red-deep: #8f1b28;--red-wash: #f7e8e8;--green-deep: #085c39;--green-wash: #e2efe6;--brass: #c9a227;--brass-soft: #e6d391;--rule: #cfcab6;--rule-soft: #dfdbc9;--alert: #a03428;--white: #fdfcf7;--font-display: "Archivo", "Arial", sans-serif;--font-mono: "Space Mono", ui-monospace, "Courier New", monospace;--font-body: -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;--max: 1100px;--max-article: 730px}*{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{animation:none!important;transition:none!important}}body{background:var(--paper);color:var(--ink);font-family:var(--font-body);font-size:1.05rem;line-height:1.7;-webkit-font-smoothing:antialiased}img{max-width:100%;height:auto}a{color:var(--green-deep);text-underline-offset:3px}a:hover{color:var(--navy)}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid var(--green);outline-offset:2px}.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}.strip{background:var(--navy);color:#e8e4d4;font-family:var(--font-mono);font-size:.66rem;letter-spacing:.1em;text-transform:uppercase;padding:7px 0}.strip .wrap{display:flex;justify-content:space-between;gap:16px}.strip strong{color:var(--brass-soft);font-weight:400}@media(max-width:700px){.strip span:last-child{display:none}}header.site{background:var(--paper);border-bottom:3px double var(--navy)}header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;padding-top:15px;padding-bottom:15px;flex-wrap:wrap}.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--ink)}.brand svg{display:block}.brand .word{font-family:var(--font-display);font-weight:800;font-size:1.32rem;letter-spacing:.01em;line-height:1}.brand .word em{color:var(--green-deep);font-style:normal}.brand .sub{display:block;font-family:var(--font-mono);font-size:.58rem;letter-spacing:.16em;color:var(--ink-faint);text-transform:uppercase;margin-top:5px}nav.main{display:flex;align-items:center;gap:20px;flex-wrap:wrap}nav.main a{font-family:var(--font-display);font-weight:600;font-size:.9rem;letter-spacing:.03em;text-transform:uppercase;text-decoration:none;color:var(--ink-soft)}nav.main a:hover{color:var(--green-deep)}.btn{display:inline-block;background:var(--red);color:var(--white)!important;font-family:var(--font-display);font-weight:700;font-size:.92rem;letter-spacing:.04em;text-transform:uppercase;text-decoration:none;padding:11px 22px;border:none;border-radius:3px;box-shadow:0 3px 0 var(--navy);cursor:pointer}.btn:hover{background:var(--red-deep)}.btn.ghost{background:transparent;color:var(--navy)!important;border:2px solid var(--navy);box-shadow:none;padding:9px 20px}.btn.ghost:hover{background:var(--paper-2)}.btn.gold{background:var(--brass);box-shadow:0 3px #7a5c17}.btn.gold:hover{background:#8f6d20}.crumbs{font-family:var(--font-mono);font-size:.7rem;letter-spacing:.06em;text-transform:uppercase;color:var(--ink-faint);padding:18px 0 0}.crumbs a{color:var(--ink-soft);text-decoration:none}.crumbs a:hover{color:var(--green-deep);text-decoration:underline}.crumbs .sep{margin:0 7px;color:var(--rule)}main.article{padding:8px 0 64px}.article-head{max-width:var(--max-article);margin:0 auto;padding:26px 20px 0}.eyebrow{font-family:var(--font-mono);font-size:.7rem;letter-spacing:.2em;text-transform:uppercase;color:var(--red);margin-bottom:12px}h1{font-family:var(--font-display);font-weight:800;font-size:clamp(1.9rem,4.4vw,2.9rem);line-height:1.08;letter-spacing:-.01em;margin-bottom:18px;color:var(--navy)}.lede{font-size:1.18rem;line-height:1.6;color:var(--ink-soft);margin-bottom:16px}.reviewed{font-family:var(--font-mono);font-size:.68rem;letter-spacing:.08em;text-transform:uppercase;color:var(--ink-faint);border-top:1px solid var(--rule);border-bottom:1px solid var(--rule);padding:8px 0;margin-bottom:26px}.reviewed strong{color:var(--green-deep);font-weight:400}.stmt{max-width:var(--max-article);margin:0 auto 34px;padding:0 20px}.stmt-card{background:var(--white);border:1.5px solid var(--navy);border-radius:4px;box-shadow:0 6px 0 -2px var(--paper-3);overflow:hidden}.stmt-head{display:flex;justify-content:space-between;align-items:center;gap:10px;background:var(--navy);color:#dfe6ee;font-family:var(--font-mono);font-size:.66rem;letter-spacing:.2em;text-transform:uppercase;padding:10px 18px}.stmt-stamp{font-family:var(--font-mono);font-size:.62rem;letter-spacing:.1em;color:var(--navy);background:var(--brass-soft);border-radius:2px;padding:3px 9px;white-space:nowrap}table.stmt-rows{width:100%;border-collapse:collapse}table.stmt-rows td{font-size:.92rem;padding:11px 18px;border-top:1px solid var(--rule-soft);vertical-align:top}table.stmt-rows tr:first-child td{border-top:none}table.stmt-rows td.k{width:37%;font-family:var(--font-mono);color:var(--ink-faint);text-transform:uppercase;letter-spacing:.06em;font-size:.66rem;padding-top:14px}table.stmt-rows td.v{color:var(--ink)}table.stmt-rows td.v strong{color:var(--green-deep)}.article-body{max-width:var(--max-article);margin:0 auto;padding:0 20px}.article-body h2{font-family:var(--font-display);font-weight:700;font-size:1.45rem;line-height:1.2;letter-spacing:-.01em;color:var(--navy);margin:40px 0 14px;padding-top:20px;border-top:1px solid var(--rule)}.article-body h2:before{content:"★ ";color:var(--brass)}.article-body p{margin-bottom:16px}.article-body p strong{color:var(--navy)}.article-body ul,.article-body ol{margin:0 0 16px 24px}.article-body li{margin-bottom:8px}.faqs{max-width:var(--max-article);margin:44px auto 0;padding:0 20px}.faqs>h2{font-family:var(--font-display);font-weight:800;font-size:1.55rem;color:var(--navy);margin-bottom:18px}.faq{background:var(--white);border:1px solid var(--rule);border-left:4px solid var(--red);border-radius:3px;padding:16px 18px;margin-bottom:12px}.faq h3{font-family:var(--font-display);font-weight:700;font-size:1.04rem;margin-bottom:8px;color:var(--navy)}.faq p{color:var(--ink-soft);font-size:.97rem}.related{max-width:var(--max-article);margin:44px auto 0;padding:0 20px}.related>h2{font-family:var(--font-mono);font-size:.72rem;letter-spacing:.22em;text-transform:uppercase;color:var(--ink-faint);margin-bottom:12px}.related ul{list-style:none;border-top:2px solid var(--navy)}.related li{border-bottom:1px solid var(--rule-soft)}.related a{display:flex;justify-content:space-between;align-items:baseline;gap:12px;padding:13px 4px;text-decoration:none;color:var(--ink);font-family:var(--font-display);font-weight:600;font-size:1rem}.related a:hover{color:var(--green-deep);background:var(--green-wash)}.related a .arrow{font-family:var(--font-mono);color:var(--brass);font-size:.8rem}.cta-band{background:var(--navy);color:var(--paper);margin-top:56px}.cta-band .inner{max-width:var(--max);margin:0 auto;padding:46px 20px;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:24px}.cta-band .mono-eyebrow{font-family:var(--font-mono);font-size:.68rem;letter-spacing:.22em;text-transform:uppercase;color:var(--brass-soft);margin-bottom:8px}.cta-band h2{font-family:var(--font-display);font-weight:800;font-size:clamp(1.4rem,3vw,2rem);line-height:1.15;max-width:580px}.cta-band p{color:#b9c5d2;max-width:540px;margin-top:10px;font-size:.98rem}.cta-band .actions{display:flex;gap:14px;flex-wrap:wrap}footer.site{background:#0b1e33;color:#a9b6c4;font-size:.92rem}footer.site .cols{max-width:var(--max);margin:0 auto;padding:44px 20px 24px;display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:28px}footer.site h3{font-family:var(--font-mono);font-size:.66rem;letter-spacing:.2em;text-transform:uppercase;color:var(--brass-soft);margin-bottom:12px}footer.site ul{list-style:none}footer.site li{margin-bottom:7px}footer.site a{color:#cdd7e0;text-decoration:none}footer.site a:hover{color:var(--white);text-decoration:underline}footer.site .legal{max-width:var(--max);margin:0 auto;padding:18px 20px 34px;border-top:1px solid #24405d;font-size:.78rem;color:#8494a5;line-height:1.6}footer.site .legal a{color:#aebdcb}form.stmt-form{max-width:var(--max-article);margin:0 auto}.field{margin-bottom:18px}.field label{display:block;font-family:var(--font-mono);font-size:.68rem;letter-spacing:.12em;text-transform:uppercase;color:var(--ink-soft);margin-bottom:6px}.field input,.field select,.field textarea{width:100%;font-family:var(--font-body);font-size:1rem;padding:11px 12px;background:var(--white);border:1.5px solid var(--navy);border-radius:3px;color:var(--ink)}.field textarea{min-height:140px;resize:vertical}.form-note{font-size:.88rem;color:var(--ink-faint);margin:14px 0 20px}.form-ok{display:none;background:var(--green-wash);border:2px solid var(--green);border-radius:3px;color:var(--green-deep);padding:16px 18px;font-family:var(--font-mono);font-size:.9rem;margin-bottom:18px}.form-err{display:none;background:#f5e6e3;border:2px solid var(--alert);border-radius:3px;color:var(--alert);padding:16px 18px;font-family:var(--font-mono);font-size:.9rem;margin-bottom:18px}.hp{position:absolute;left:-9999px;top:-9999px}.hero{border-bottom:3px double var(--navy);background:linear-gradient(180deg,var(--paper) 0%,var(--paper-2) 100%)}.hero .inner{max-width:var(--max);margin:0 auto;padding:58px 20px 52px;display:grid;grid-template-columns:1.22fr 1fr;gap:44px;align-items:center}@media(max-width:880px){.hero .inner{grid-template-columns:1fr}}.hero h1{font-size:clamp(2.1rem,5.2vw,3.5rem)}.hero h1 .accent{color:var(--green-deep)}.hero .lede{font-size:1.18rem}.hero .actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:24px}.hero .proof{font-family:var(--font-mono);font-size:.68rem;letter-spacing:.08em;text-transform:uppercase;color:var(--ink-faint);margin-top:22px}.balance-card{background:var(--white);border:1.5px solid var(--navy);border-radius:5px;box-shadow:0 8px 0 -3px var(--paper-3);overflow:hidden}.balance-card .head{font-family:var(--font-mono);font-size:.64rem;letter-spacing:.2em;text-transform:uppercase;padding:11px 18px;background:var(--navy);color:#dfe6ee;display:flex;justify-content:space-between}.balance-card .big{padding:28px 18px 10px;text-align:center}.balance-card .big .num{font-family:var(--font-display);font-weight:800;font-size:4.4rem;line-height:1;color:var(--green-deep);letter-spacing:-.02em}.balance-card .big .lbl{font-family:var(--font-mono);font-size:.64rem;letter-spacing:.22em;text-transform:uppercase;color:var(--ink-faint);margin-top:8px}.balance-card .rows{padding:18px}.balance-card .rows div{display:flex;justify-content:space-between;font-family:var(--font-mono);font-size:.75rem;padding:8px 0;border-top:1px dotted var(--rule)}.balance-card .rows div span:last-child{color:var(--green-deep)}.section{padding:54px 0}.section.alt{background:var(--paper-2);border-top:1px solid var(--rule);border-bottom:1px solid var(--rule)}.section h2.title{font-family:var(--font-display);font-weight:800;font-size:clamp(1.5rem,3.2vw,2.1rem);color:var(--navy);margin-bottom:8px}.section .kicker{font-family:var(--font-mono);font-size:.68rem;letter-spacing:.22em;text-transform:uppercase;color:var(--brass);margin-bottom:10px}.section .sub{color:var(--ink-soft);max-width:700px;margin-bottom:28px;font-size:1.05rem}.card-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(255px,1fr));gap:18px}.card{background:var(--white);border:1px solid var(--rule);border-top:3px solid var(--navy);border-radius:4px;padding:20px;display:flex;flex-direction:column;gap:8px;text-decoration:none;color:var(--ink)}.card:hover{border-top-color:var(--red);box-shadow:0 4px 12px #0e2a4714}.card .tag{font-family:var(--font-mono);font-size:.6rem;letter-spacing:.18em;text-transform:uppercase;color:var(--brass)}.card h3{font-family:var(--font-display);font-weight:700;font-size:1.08rem;line-height:1.28;color:var(--navy)}.card p{font-size:.92rem;color:var(--ink-soft);line-height:1.55}.calc{max-width:var(--max-article);margin:0 auto}.calc-panel{background:var(--white);border:1.5px solid var(--navy);border-radius:5px;padding:22px;margin-bottom:28px}.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}@media(max-width:640px){.calc-grid{grid-template-columns:1fr}}.calc-out{background:var(--navy);color:var(--paper);border-radius:4px;padding:24px;margin-top:20px}.calc-out h3{font-family:var(--font-mono);font-size:.66rem;letter-spacing:.22em;text-transform:uppercase;color:var(--brass-soft);margin-bottom:14px}.calc-out .rows div{display:flex;justify-content:space-between;gap:12px;font-family:var(--font-mono);font-size:.82rem;padding:9px 0;border-top:1px dotted #335070}.calc-out .rows div span:last-child{color:#9fd9bb;text-align:right}.calc-out .headline{font-family:var(--font-display);font-weight:800;font-size:2rem;line-height:1.1}.calc-note{font-size:.86rem;color:var(--ink-faint)}.note-box{background:var(--green-wash);border:1.5px solid var(--green);border-radius:3px;padding:16px 18px;margin:20px 0;font-size:.96rem}.warn-box{background:#f6ece9;border:1.5px solid var(--alert);border-radius:3px;padding:16px 18px;margin:20px 0;font-size:.96rem}.gov-box{background:#eef1f5;border:1.5px solid var(--navy);border-radius:3px;padding:16px 18px;margin:20px 0;font-size:.96rem}.skip{position:absolute;left:-9999px}.skip:focus{position:fixed;left:12px;top:12px;background:var(--white);padding:10px 14px;z-index:99}.flagbar{height:6px;background:linear-gradient(90deg,var(--red) 0 33.33%,var(--white) 33.33% 66.66%,var(--navy) 66.66% 100%)}.stmt-head:before{content:"★ ★ ★";color:var(--brass-soft);letter-spacing:.3em;margin-right:10px;font-size:.6rem}.stars-row{font-family:var(--font-mono);color:var(--brass);letter-spacing:.4em;font-size:.7rem;margin-bottom:10px}.hero{position:relative}.hero:after{content:"";position:absolute;left:0;right:0;bottom:-3px;height:6px;background:repeating-linear-gradient(90deg,var(--red) 0 60px,var(--paper) 60px 120px,var(--navy) 120px 180px);opacity:.9}.cta-band .inner{position:relative}.balance-card .head:after{content:"★";color:var(--brass-soft)}.section .kicker{color:var(--red)}@font-face{font-family:Archivo;font-style:normal;font-display:swap;font-weight:600;src:url(/_astro/archivo-vietnamese-600-normal.anCjMumA.woff2) format("woff2"),url(/_astro/archivo-vietnamese-600-normal.C8xBVdfP.woff) format("woff");unicode-range:U+0102-0103,U+0110-0111,U+0128-0129,U+0168-0169,U+01A0-01A1,U+01AF-01B0,U+0300-0301,U+0303-0304,U+0308-0309,U+0323,U+0329,U+1EA0-1EF9,U+20AB}@font-face{font-family:Archivo;font-style:normal;font-display:swap;font-weight:600;src:url(/_astro/archivo-latin-ext-600-normal.Dm61iqcg.woff2) format("woff2"),url(/_astro/archivo-latin-ext-600-normal.D7uErJuz.woff) format("woff");unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}@font-face{font-family:Archivo;font-style:normal;font-display:swap;font-weight:600;src:url(/_astro/archivo-latin-600-normal.3BBy0ZsW.woff2) format("woff2"),url(/_astro/archivo-latin-600-normal.DwYieO8P.woff) format("woff");unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}@font-face{font-family:Archivo;font-style:normal;font-display:swap;font-weight:700;src:url(/_astro/archivo-vietnamese-700-normal.nuAQAQa7.woff2) format("woff2"),url(/_astro/archivo-vietnamese-700-normal.Bz2vkKqq.woff) format("woff");unicode-range:U+0102-0103,U+0110-0111,U+0128-0129,U+0168-0169,U+01A0-01A1,U+01AF-01B0,U+0300-0301,U+0303-0304,U+0308-0309,U+0323,U+0329,U+1EA0-1EF9,U+20AB}@font-face{font-family:Archivo;font-style:normal;font-display:swap;font-weight:700;src:url(/_astro/archivo-latin-ext-700-normal.DD_nkw6b.woff2) format("woff2"),url(/_astro/archivo-latin-ext-700-normal.CgyfnKjw.woff) format("woff");unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}@font-face{font-family:Archivo;font-style:normal;font-display:swap;font-weight:700;src:url(/_astro/archivo-latin-700-normal.D9cHMWGj.woff2) format("woff2"),url(/_astro/archivo-latin-700-normal.lT5TFe7H.woff) format("woff");unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}@font-face{font-family:Archivo;font-style:normal;font-display:swap;font-weight:800;src:url(/_astro/archivo-vietnamese-800-normal.DHDgv4cm.woff2) format("woff2"),url(/_astro/archivo-vietnamese-800-normal.BKe5Z8rz.woff) format("woff");unicode-range:U+0102-0103,U+0110-0111,U+0128-0129,U+0168-0169,U+01A0-01A1,U+01AF-01B0,U+0300-0301,U+0303-0304,U+0308-0309,U+0323,U+0329,U+1EA0-1EF9,U+20AB}@font-face{font-family:Archivo;font-style:normal;font-display:swap;font-weight:800;src:url(/_astro/archivo-latin-ext-800-normal.BC6piDwP.woff2) format("woff2"),url(/_astro/archivo-latin-ext-800-normal.B9NTbsU1.woff) format("woff");unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}@font-face{font-family:Archivo;font-style:normal;font-display:swap;font-weight:800;src:url(/_astro/archivo-latin-800-normal.cB6v3kRN.woff2) format("woff2"),url(/_astro/archivo-latin-800-normal.DZa_k145.woff) format("woff");unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}@font-face{font-family:Space Mono;font-style:normal;font-display:swap;font-weight:400;src:url(/_astro/space-mono-vietnamese-400-normal.BNOj0Qhp.woff2) format("woff2"),url(/_astro/space-mono-vietnamese-400-normal.B0PMp_xB.woff) format("woff");unicode-range:U+0102-0103,U+0110-0111,U+0128-0129,U+0168-0169,U+01A0-01A1,U+01AF-01B0,U+0300-0301,U+0303-0304,U+0308-0309,U+0323,U+0329,U+1EA0-1EF9,U+20AB}@font-face{font-family:Space Mono;font-style:normal;font-display:swap;font-weight:400;src:url(/_astro/space-mono-latin-ext-400-normal.DTLbW2xa.woff2) format("woff2"),url(/_astro/space-mono-latin-ext-400-normal.D4cJI_B-.woff) format("woff");unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}@font-face{font-family:Space Mono;font-style:normal;font-display:swap;font-weight:400;src:url(/_astro/space-mono-latin-400-normal.Rg4St2Dn.woff2) format("woff2"),url(/_astro/space-mono-latin-400-normal._3DlpgIW.woff) format("woff");unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}