@font-face{font-family:"Fraunces";src:url(/assets/fonts/fraunces-600.woff2) format("woff2");font-weight:600;font-style:normal;font-display:swap}
:root{--navy:#0d2240;--brand:#173a6a;--brand-d:#0d2240;--ink:#14213d;--mut:#55607a;--line:#dcd8cf;--line2:#ebe8e1;--bg:#fbfaf7;--paper:#fff;--acc:#e07a1f;--acc-d:#b45309;--acc-l:#fdf1e4;--good:#1d7a4f;--bad:#b42318;
--serif:"Fraunces",Georgia,"Times New Roman",serif;--sans:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;--r:4px}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font:16px/1.65 var(--sans);color:var(--ink);background:var(--bg)}
a{color:var(--brand);text-underline-offset:2px}a:hover{color:var(--acc-d)}
.wrap{max-width:1080px;margin:0 auto;padding:0 18px}
h1,h2,h3,.logo,.big{font-family:var(--serif);font-weight:600;letter-spacing:-.01em}
h1{font-size:2rem;line-height:1.15;margin:.35em 0 .3em;display:flex;align-items:center;gap:12px}
h1 .ico{flex:none;width:40px;height:40px;color:var(--brand);padding:7px;border:1.5px solid var(--brand);border-radius:var(--r)}
h2{font-size:1.45rem;line-height:1.25;margin:1.9em 0 .5em}h3{font-size:1.12rem;margin:1.4em 0 .4em}
.num,table,.big,.dl dd,input{font-variant-numeric:tabular-nums}
/* header */
header.site{background:var(--paper);border-bottom:3px solid var(--navy)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;height:62px}
.logo{display:flex;align-items:center;gap:9px;font-size:1.4rem;color:var(--navy);text-decoration:none}
.logo svg{width:30px;height:30px}
nav.top a{margin-left:20px;text-decoration:none;color:var(--ink);font-size:.93rem;font-weight:500}nav.top a:hover{color:var(--acc-d)}
@media(max-width:640px){nav.top a.hide-sm{display:none}}
.crumbs{font-size:.83rem;color:var(--mut);margin:16px 0 0}.crumbs a{color:var(--mut)}
.lead{color:var(--mut);margin:0 0 14px;max-width:760px}
.byline{font-size:.83rem;color:var(--mut);margin:0 0 18px;display:flex;flex-wrap:wrap;gap:4px 10px}.byline b{color:var(--ink);font-weight:600}.byline .ok{color:var(--good)}
/* calculator */
.calc{display:grid;gap:0;grid-template-columns:minmax(0,1fr);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
@media(min-width:860px){.calc{grid-template-columns:minmax(0,360px) minmax(0,1fr)}.calc>.out{padding-left:32px;border-left:1px solid var(--line)}}
.calc>form{background:#f3f1ec;padding:18px 18px 14px;border-top:3px solid var(--acc)}
.calc>.out{padding:20px 0 18px;min-width:0}@media(min-width:860px){.calc>.out{padding-left:32px}}
@media(max-width:859px){.calc>form{margin:0 -18px;padding:18px}}
form .f{margin-bottom:12px}label{display:block;font-size:.84rem;font-weight:600;margin-bottom:4px;color:var(--ink)}
.in{display:flex;align-items:center;border:1px solid #bfb9ad;border-radius:var(--r);background:#fff;overflow:hidden;width:100%;min-width:0}
.in:focus-within{border-color:var(--brand);box-shadow:0 0 0 3px rgba(23,58,106,.15)}
.in span{flex:none;padding:0 9px;color:var(--mut);font-size:.88rem;white-space:nowrap}
.in input,.in select{flex:1;width:100%;border:0;padding:9px 10px;font-size:1rem;min-width:0;background:transparent;outline:0;color:var(--ink);font-family:inherit}
.in select{cursor:pointer}
.row2{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,140px),1fr));gap:0 10px;align-items:start}.row2.date{grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}
.row2>.f,.f{min-width:0}
.hint{font-size:.76rem;color:var(--mut);margin-top:3px;overflow-wrap:break-word}
button.go{width:100%;background:var(--navy);color:#fff;border:0;border-radius:var(--r);padding:12px;font-size:1rem;font-weight:700;cursor:pointer;letter-spacing:.01em}
button.go:hover{background:var(--brand)}
.err{color:var(--bad);font-size:.86rem;margin:6px 0 0}
.biglbl{font-size:.78rem;color:var(--acc-d);text-transform:uppercase;letter-spacing:.09em;font-weight:700}
.big{font-size:3rem;color:var(--navy);line-height:1.05;margin:4px 0 2px}
#bigsub{margin-bottom:10px}
.dl{margin:12px 0 0;display:grid;grid-template-columns:minmax(0,1fr) auto;border-top:1px solid var(--navy)}
.dl dt,.dl dd{margin:0;padding:8px 0;border-bottom:1px solid var(--line2)}.dl dt{color:var(--mut);font-size:.92rem}.dl dd{text-align:right;font-weight:700;padding-left:12px}
.good{color:var(--good)}.bad{color:var(--bad)}
.verdict{margin-top:14px;padding:10px 14px;font-size:.94rem;border-left:4px solid var(--good);background:#eef6f1}.verdict.no{border-color:var(--bad);background:#fbefed}
.out h2{font-size:1.15rem;margin:22px 0 6px}
table{width:100%;border-collapse:collapse;font-size:.9rem}
th,td{padding:7px 8px;border-bottom:1px solid var(--line2);text-align:right;white-space:nowrap}th:first-child,td:first-child{text-align:left}
thead th{background:var(--bg);position:sticky;top:0;font-size:.78rem;text-transform:uppercase;letter-spacing:.05em;color:var(--mut);font-weight:700;border-bottom:1px solid var(--navy)}
#cmp{overflow-x:auto}.cmp td{white-space:nowrap}.cmp td:first-child{white-space:normal}.cmp tbody tr:last-child td{font-weight:700}
.tblwrap{max-height:480px;overflow:auto;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.bar{height:10px;background:var(--line2);overflow:hidden;display:flex;margin:12px 0 4px;border-radius:2px}.bar i{display:block;height:100%}
.legend{font-size:.8rem;color:var(--mut)}.legend i{display:inline-block;width:10px;height:10px;margin:0 5px 0 0;vertical-align:-1px}.legend span{margin-right:14px;white-space:nowrap}
.tabs button{background:none;border:1px solid var(--line);padding:5px 12px;border-radius:var(--r);cursor:pointer;margin-right:6px;font:inherit;font-size:.88rem}
.tabs button.on{background:var(--navy);color:#fff;border-color:var(--navy)}
.chart{width:100%;max-width:820px;height:auto;display:block;margin:6px 0 4px}.chartbox small{display:block;color:var(--mut);max-width:820px}
.refi-sched .tblwrap{margin-top:10px}
/* article */
article{max-width:740px}article p,article li{color:#25304a}
.formula{background:#f3f1ec;border-left:3px solid var(--acc);padding:12px 14px;font-family:ui-monospace,Menlo,Consolas,monospace;font-size:.92rem;overflow-x:auto}
figure{margin:24px 0;padding:16px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}figure svg{width:100%;height:auto;display:block}
figcaption{font-size:.84rem;color:var(--mut);margin-top:8px}
details{border-bottom:1px solid var(--line);padding:10px 0}details:first-of-type{border-top:1px solid var(--line)}summary{font-weight:600;cursor:pointer}
.sources{font-size:.88rem}.sources li{margin:4px 0}
.ad{margin:22px 0;min-height:0}
.related{display:grid;gap:0 28px;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));border-top:1px solid var(--line)}
.related a,.tools a{display:flex;gap:12px;align-items:flex-start;padding:14px 0;border-bottom:1px solid var(--line);text-decoration:none;color:var(--ink)}
.related a .ico,.tools a .ico{flex:none;width:34px;height:34px;color:var(--brand);margin-top:2px}
.related a b{color:var(--brand);font-family:var(--serif);font-weight:600}.related a:hover b,.tools a:hover h3{color:var(--acc-d)}
.related small{color:var(--mut)}
.disc{font-size:.8rem;color:var(--mut);border-top:1px solid var(--line);margin-top:30px;padding-top:12px}
/* home */
.hero{--hero-bg:#062449;background:var(--hero-bg);display:grid;grid-template-columns:minmax(0,1fr) 440px;gap:28px;align-items:center;color:#fff;padding:48px 0 42px;position:relative;box-shadow:0 0 0 100vmax var(--hero-bg);clip-path:inset(0 -100vmax)}
.hero h1{font-size:2.7rem;max-width:640px;display:block;margin:0 0 14px}.hero h1 em{font-style:normal;color:#f6a654}
.hero .lead{color:#c9d3e3;font-size:1.08rem;max-width:600px}
.hero .cta{display:inline-block;margin-top:10px;background:var(--acc);color:#1a1205;padding:11px 18px;border-radius:var(--r);font-weight:700;text-decoration:none}.hero .cta:hover{background:#f19235;color:#1a1205}
.hero-art{position:relative;line-height:0}.hero-art img{display:block;width:100%;height:auto;-webkit-mask-image:radial-gradient(ellipse 70% 72% at 50% 52%,#000 62%,transparent 100%);mask-image:radial-gradient(ellipse 70% 72% at 50% 52%,#000 62%,transparent 100%)}
@media(max-width:860px){.hero{grid-template-columns:minmax(0,1fr);gap:8px}.hero-art{max-width:min(92vw,420px);margin:0 auto}.hero h1{font-size:2.05rem}}
.stats{display:flex;flex-wrap:wrap;gap:6px 28px;margin:18px 0 0;font-size:.88rem;color:#c9d3e3}.stats b{color:#fff;font-family:var(--serif);font-size:1.2rem;display:block}
.tools{display:grid;gap:0 32px;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));margin:10px 0 20px;border-top:2px solid var(--navy)}
.tools h3{margin:0 0 4px;color:var(--navy);font-size:1.15rem}.tools p{margin:0;color:var(--mut);font-size:.92rem}
footer.site{margin-top:48px;background:var(--navy);color:#b7c3d8;padding:30px 0;font-size:.86rem;border-top:4px solid var(--acc)}footer.site a{color:#e6ecf5;margin-right:14px;display:inline-block}footer.site .logo{color:#fff;font-size:1.2rem}
@media(max-width:480px){.big{font-size:2.3rem}h1{font-size:1.6rem}h1 .ico{width:34px;height:34px;padding:5px}th,td{padding:6px 5px;font-size:.84rem}.cmp th{white-space:nowrap}}
figure{overflow-x:auto}@media(max-width:600px){figure svg{min-width:560px}}figcaption{position:sticky;left:0}
/* rent-lamuko additions */
.logo small{font-family:var(--sans);font-size:.72rem;font-weight:700;color:var(--acc-d);letter-spacing:.06em;text-transform:uppercase;margin-left:2px}
footer.site .logo small{color:#f6a654}
.sumtbl{border-top:2px solid var(--navy);margin:8px 0 6px}.sumtbl th{text-align:left;width:38%;font-weight:600;color:var(--ink);white-space:normal;background:none;position:static;text-transform:none;letter-spacing:0;font-size:.92rem;border-bottom:1px solid var(--line2)}.sumtbl td{text-align:left;white-space:normal}
.vchip{display:inline-block;font-size:.7rem;font-weight:700;letter-spacing:.03em;padding:1px 6px;border-radius:3px;vertical-align:1px;white-space:nowrap}.vchip.ok{background:#e4f2ea;color:var(--good)}.vchip.vw{background:var(--acc-l);color:var(--acc-d)}
.filters{display:flex;flex-wrap:wrap;gap:10px 14px;align-items:end;margin:10px 0 12px}.filters .f{margin:0;min-width:0;flex:1 1 180px;max-width:260px}
.filters label.ck{display:flex;gap:6px;align-items:center;font-weight:500;font-size:.88rem;margin:0 0 8px;flex:none}
.cmpwrap{overflow-x:auto;border-top:2px solid var(--navy);border-bottom:1px solid var(--line);max-height:640px}
#dt th{cursor:pointer;user-select:none;text-align:left}#dt th[aria-sort=ascending]::after{content:" ▲"}#dt th[aria-sort=descending]::after{content:" ▼"}
#dt td{text-align:left;white-space:normal;min-width:90px;vertical-align:top}#dt td:first-child{min-width:120px;font-weight:600}#dt td.pen{min-width:220px;font-size:.84rem}
#dt td.vw{color:var(--acc-d);font-size:.82rem;font-style:italic}#dt td small{color:var(--mut);display:block;font-size:.76rem}
.count{font-size:.85rem;color:var(--mut)}
.timeline{list-style:none;padding:0;margin:14px 0;border-left:3px solid var(--acc)}.timeline li{position:relative;padding:4px 0 12px 18px}.timeline li::before{content:"";position:absolute;left:-8px;top:10px;width:13px;height:13px;border-radius:50%;background:#fff;border:3px solid var(--navy)}.timeline b{display:block;font-family:var(--serif);color:var(--navy)}
.callout{border-left:4px solid var(--acc);background:var(--acc-l);padding:10px 14px;margin:16px 0;font-size:.93rem}
.statelist{display:grid;grid-template-columns:repeat(auto-fill,minmax(180px,1fr));gap:0 20px;border-top:1px solid var(--line);margin:8px 0 18px}.statelist a{padding:10px 0;border-bottom:1px solid var(--line);text-decoration:none;font-weight:600;font-family:var(--serif)}
.out .warn{color:var(--bad);font-weight:600}
@media(max-width:480px){.filters .f{max-width:none;flex-basis:100%}}
.logo span,nav.top a{white-space:nowrap}
@media(max-width:480px){nav.top a{margin-left:14px;font-size:.88rem}.hide-xs{display:none}header.site .logo{font-size:1.25rem}}

/* batch3: alphabetical column lists */
.statelist{display:block;columns:3 170px;column-gap:24px}
.statelist a{display:block;break-inside:avoid}
footer.site .fhead{margin:18px 0 6px;font-weight:600;color:#fff}
footer.site .fstates{columns:4 150px;column-gap:20px;margin-bottom:12px}
footer.site .fstates a{display:block;margin:0;padding:3px 0;break-inside:avoid;font-size:14px}
@media(max-width:480px){footer.site .fstates{columns:2}.statelist{columns:2;column-gap:16px}}