
:root{--ink:#101b2a;--muted:#5e6875;--lime:#b5f36e;--line:#dce1e6;--paper:#f5f7f9}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:95px}body{margin:0;color:var(--ink);background:white;font-family:Arial,Helvetica,sans-serif;font-size:16px;line-height:1.65}a{color:inherit;text-decoration:none}button{font:inherit}a:focus-visible,summary:focus-visible{outline:3px solid #398028;outline-offset:5px}.wrap{max-width:1200px;margin:auto;padding:0 36px}header{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:10}.nav{height:88px;display:flex;align-items:center;justify-content:space-between;gap:20px}.brand{font-size:23px;font-weight:800;letter-spacing:-1px;display:flex;align-items:center;gap:10px}.mark{background:var(--ink);color:var(--lime);padding:3px 9px;border-radius:7px;font-size:20px;letter-spacing:-2px}.brand span:last-child{color:#6f7d8c}.links{display:flex;align-items:center;gap:30px;font-size:14px;font-weight:600}.navcta{border:1px solid var(--ink);padding:10px 20px;border-radius:5px}.hero{background:var(--ink);color:#fff;overflow:hidden}.herogrid{display:grid;grid-template-columns:1.12fr 1fr;gap:65px;align-items:center;padding-top:83px;padding-bottom:72px}.eyebrow{font-size:12px;letter-spacing:2px;font-weight:700;text-transform:uppercase}.hero .eyebrow{color:var(--lime)}h1{font-size:clamp(42px,5.6vw,72px);line-height:1.06;letter-spacing:-3.5px;font-weight:500;margin:23px 0}h1 em{color:var(--lime);font-style:normal}p{margin:0 0 20px}.intro{max-width:460px;color:#b9c4d0;font-size:17px}.button{display:inline-flex;align-items:center;justify-content:center;gap:30px;padding:14px 22px;border-radius:5px;background:var(--lime);color:var(--ink);font-size:14px;font-weight:700;transition:transform .2s}.button:hover{transform:translateY(-2px)}.heroactions{display:flex;gap:25px;align-items:center;margin-top:30px}.textlink{font-size:14px;color:#d0d8e2;border-bottom:1px solid #728090;padding-bottom:4px}.chart{border:1px solid #344150;border-radius:10px;background:#162333;padding:26px;box-shadow:0 24px 70px #070f1855}.charthead{display:flex;justify-content:space-between;gap:15px}.charttitle{font-size:15px;font-weight:700}.chartsmall{color:#9cadbf;font-size:12px}.chip{border:1px solid #465466;border-radius:4px;color:#cbd5e1;font-size:12px;padding:3px 9px;align-self:start}.chart svg{display:block;width:100%;height:auto;margin:22px 0 10px}.chartfoot{display:flex;justify-content:space-between;border-top:1px solid #344150;padding-top:16px;font-size:12px;color:#9cadbf}.heroend{display:flex;gap:40px;border-top:1px solid #344150;padding-top:21px;padding-bottom:24px;font-size:12px;color:#a9b7c6}.heroend strong{color:white;font-weight:400}.section{padding:78px 0}.sectionhead{display:flex;justify-content:space-between;align-items:end;gap:30px;margin-bottom:35px}h2{font-size:38px;font-weight:500;line-height:1.18;letter-spacing:-1.5px;margin:12px 0 0}.sectionhead p{max-width:345px;color:var(--muted);font-size:15px;margin:0}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.card{border:1px solid var(--line);border-radius:8px;padding:28px;display:flex;flex-direction:column}.cardnum{font-size:12px;font-weight:700;letter-spacing:1px;color:#6c7784}.icon{margin:23px 0 6px;width:45px;height:45px;background:#edf4e7;color:#335d26;border-radius:10px;display:grid;place-items:center;font-size:25px}h3{font-size:22px;line-height:1.3;letter-spacing:-.5px;font-weight:500;margin:14px 0}.card p{font-size:15px;color:var(--muted)}.cardlink{font-size:14px;font-weight:700;margin-top:auto;padding-top:12px;display:flex;justify-content:space-between}.card:hover{border-color:#90ad79}.learning{background:var(--paper);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.learnlayout{display:grid;grid-template-columns:1fr 1.25fr;gap:90px}.learnintro p{color:var(--muted);margin-top:22px;max-width:360px}.note{font-size:13px;border-left:3px solid #8ec45d;padding-left:16px;margin-top:30px;color:#596573}.lessons details{border-bottom:1px solid #ccd4dc;scroll-margin-top:110px}.lessons details:first-child{border-top:1px solid #ccd4dc}.lessons summary{cursor:pointer;list-style:none;padding:23px 0;font-size:18px;display:flex;align-items:center;gap:20px;line-height:1.4}.lessons summary::-webkit-details-marker{display:none}.lessons summary span{color:#697889;font-size:12px}.lessons summary:after{content:'+';margin-left:auto;font-size:22px}.lessons details[open] summary:after{content:'−'}.lessons details p{color:#54616f;font-size:15px;margin:0 0 24px 36px}.about{display:flex;gap:70px;align-items:center}.aboutlabel{min-width:240px}.about p{color:var(--muted);margin:0;font-size:17px}.banner{background:#d5f5b6;border-radius:10px;padding:40px;display:flex;align-items:center;justify-content:space-between;gap:35px;margin-bottom:70px}.banner h2{font-size:30px;margin:0 0 10px}.banner p{color:#3d5430;margin:0;font-size:15px}.banner .button{background:var(--ink);color:white;white-space:nowrap}footer{background:var(--ink);color:#b8c4d1;padding:38px 0 25px}.footrow{display:flex;align-items:center;justify-content:space-between;gap:30px}.footrow .brand{color:white}.risk{border-top:1px solid #344150;margin-top:30px;padding-top:25px;max-width:1100px;font-size:12px;line-height:1.8}.copyright{font-size:12px;color:#8d9daf;margin-top:20px}.skip{position:absolute;top:-60px;background:white;padding:10px;z-index:20}.skip:focus{top:0}@media(max-width:850px){.herogrid{gap:32px}.links{gap:18px}.learnlayout{gap:35px}.wrap{padding:0 24px}.section{padding:55px 0}h1{letter-spacing:-2px}.card{padding:22px}.about{gap:30px}}@media(max-width:650px){.nav{height:72px}.brand{font-size:20px}.links a:not(.navcta){display:none}.navcta{padding:8px 12px}.herogrid{grid-template-columns:1fr;padding-top:45px;padding-bottom:35px;gap:40px}h1{font-size:52px}.heroend{gap:15px;flex-wrap:wrap}.chart{padding:22px}.sectionhead{display:block}.sectionhead p{margin-top:20px}.cards{grid-template-columns:1fr}.card{padding:25px}.icon{margin-top:16px}.learnlayout{grid-template-columns:1fr;gap:30px}h2{font-size:33px}.about{display:block}.about p{margin-top:25px}.banner{display:block;padding:28px;margin-bottom:45px}.banner .button{margin-top:24px}.footrow{align-items:start;flex-direction:column;gap:15px}.heroactions{gap:20px}.wrap{padding-left:22px;padding-right:22px}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.button{transition:none}}

.previewbar{background:#eaf4df;color:#3d582a;text-align:center;padding:8px 20px;font-size:12px}.herogrid{padding-top:60px;padding-bottom:58px;gap:60px}h1{font-size:clamp(44px,5.4vw,68px)}.rebatepanel{background:#1a2a3c;border:1px solid #3a4b5d;border-radius:12px;padding:30px}.rebatepanel h3{font-size:24px;margin:14px 0 24px}.flowrow{display:flex;justify-content:space-between;align-items:center;padding:17px 0;border-bottom:1px solid #3a4b5d;font-size:15px;gap:20px}.flowrow span{color:#aebdce;font-size:13px}.returnbox{background:var(--lime);color:var(--ink);padding:20px;border-radius:7px;margin-top:24px}.returnbox strong{display:block;font-size:30px;line-height:1.2;letter-spacing:-1px}.returnbox small{font-size:12px}.panelnote{font-size:12px;color:#aebdce;margin:16px 0 0}.brokerbar{display:flex;gap:30px;justify-content:space-between;align-items:center;margin-bottom:25px}.search{position:relative;min-width:270px}.search input{padding:12px 15px;border:1px solid #b8c3ce;border-radius:5px;width:100%;font:inherit;background:white}.count{color:var(--muted);font-size:14px}.brokers{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.broker{border:1px solid var(--line);border-radius:8px;padding:24px}.brokerhead{display:flex;align-items:center;gap:14px;margin-bottom:25px}.monogram{height:45px;width:45px;display:grid;place-items:center;border-radius:9px;background:var(--ink);color:white;font-size:16px;font-weight:bold}.broker h3{margin:0;font-size:22px}.broker .meta{font-size:12px;color:var(--muted)}.rate{border-top:1px solid var(--line);padding-top:17px}.rate span{font-size:12px;color:var(--muted)}.rate strong{display:block;font-size:19px;font-weight:500;margin:3px 0 17px}.broker summary{cursor:pointer;font-size:14px;font-weight:bold;padding:10px 0 0}.broker details p{font-size:13px;color:var(--muted);margin:12px 0 0}.pending{display:inline-block;color:#647250;background:#eff4e8;font-size:12px;padding:3px 8px;border-radius:4px}.empty{padding:30px;background:var(--paper);text-align:center}.process{display:grid;grid-template-columns:repeat(3,1fr);gap:35px;margin-top:38px}.step{border-top:1px solid #b5bfca;padding-top:23px}.step b{font-size:12px;color:#64768a}.step p{color:var(--muted);font-size:15px;margin:0}.calculator{display:grid;grid-template-columns:1.05fr 1fr;gap:70px;align-items:center}.calculator>div>p{color:var(--muted);margin-top:20px}.calcbox{border:1px solid var(--line);border-radius:10px;padding:28px;background:white}.fields{display:grid;grid-template-columns:1fr 1fr;gap:18px}.fields label{display:block;font-size:14px;font-weight:600}.fields input{width:100%;font:inherit;font-size:23px;padding:12px;border:1px solid #aebdca;border-radius:6px;margin-top:8px;color:var(--ink)}.calcresult{background:var(--ink);color:white;border-radius:7px;padding:23px;margin-top:24px}.calcresult span{font-size:14px;color:#c0ccda}.calcresult output{display:block;color:var(--lime);font-size:45px;letter-spacing:-2px;line-height:1.4}.calcresult small{font-size:12px;color:#c0ccda}.calcnote{font-size:12px;color:var(--muted);margin:15px 0 0}.faqgrid{display:grid;grid-template-columns:1fr 1.3fr;gap:70px}.faqgrid h2{max-width:310px}.faqgrid .lessons details p{margin-left:0}.faqgrid .lessons summary{font-size:17px}.disclosure{border:1px solid var(--line);padding:24px;border-radius:8px;margin-top:35px;color:var(--muted);font-size:14px}.disclosure p{margin:0}.disclosure strong{color:var(--ink)}[hidden]{display:none!important}input:focus-visible{outline:3px solid #88b655;outline-offset:2px}.legalgrid{display:grid;grid-template-columns:1fr 1fr;gap:40px}.legalgrid h3{font-size:18px}.legalgrid p{font-size:14px;color:var(--muted)}@media(max-width:850px){.links{gap:15px}.links a{font-size:13px}.herogrid{gap:30px}.calculator,.faqgrid{gap:30px}.brokers{grid-template-columns:repeat(2,1fr)}}@media(max-width:650px){.previewbar{font-size:12px}.herogrid{padding-top:40px}.rebatepanel{padding:24px}.brokers,.process,.calculator,.faqgrid,.legalgrid{grid-template-columns:1fr}.brokerbar{align-items:stretch;flex-direction:column;gap:12px}.search{min-width:0}.sectionhead{margin-bottom:26px}.calculator,.faqgrid{gap:30px}.fields{gap:12px}.calcbox{padding:20px}.fields label{font-size:13px}.heroend{gap:12px}.legalgrid{gap:12px}}
.brokers{grid-template-columns:repeat(2,minmax(0,1fr))}.broker-cta{width:100%;justify-content:space-between;margin:5px 0 12px}.rate .rebate-number{font-size:42px;font-weight:600;letter-spacing:-1px}.rebate-number small{font-size:14px;font-weight:400;letter-spacing:0;color:var(--muted)}.fields.single-field{grid-template-columns:1fr}.ib-share{display:flex;justify-content:space-between;gap:20px;padding-top:18px;color:var(--muted);font-size:14px}.ib-share output{font-weight:700;color:var(--ink)}@media(max-width:650px){.brokers{grid-template-columns:1fr}} 