.tpm{--tpm-surface:#fff;--tpm-surface-2:#f1f5f7;--tpm-border:#dde5ea;--tpm-border-strong:#c3d0d8;--tpm-ink-2:#3d4d57;--tpm-ink-3:#66787f;--tpm-accent:#1d8fbd;--tpm-accent-ink:#14647f;--tpm-accent-wash:#e8f4fa;--tpm-actual:#1d8fbd;--tpm-myth:#c2611c;--tpm-myth-wash:#c2611c1a;--tpm-grid:#0e161917;--tpm-serif:var(--font-serif), "Playfair Display", Georgia, serif;--tpm-measure:768px;--tpm-shadow:0 1px 2px #0e16190a, 0 8px 24px -12px #0e16191a;color:var(--foreground);font-size:17px;line-height:1.65}.dark .tpm{--tpm-surface:#141a1e;--tpm-surface-2:#1b2328;--tpm-border:#253036;--tpm-border-strong:#35444c;--tpm-ink-2:#b0c0c8;--tpm-ink-3:#8496a0;--tpm-accent:#4aa9d6;--tpm-accent-ink:#7cc4e6;--tpm-accent-wash:#132a36;--tpm-actual:#3a9fce;--tpm-myth:#cf7f2c;--tpm-myth-wash:#cf7f2c17;--tpm-grid:#eef3f51a;--tpm-shadow:0 1px 2px #0000004d, 0 8px 24px -12px #0009}.tpm-wrap{max-width:var(--tpm-measure);margin:0 auto;padding:0 24px}.tpm-prose{max-width:100%}.tpm-stack{flex-direction:column;display:flex}.tpm-g16{gap:16px}.tpm h1{letter-spacing:-.03em;text-wrap:balance;margin:0;font-size:clamp(2rem,5vw,3rem);font-weight:650;line-height:1.15}.tpm p{margin:0}.tpm em{font-style:italic}.tpm a{color:var(--tpm-accent-ink);text-decoration:underline;-webkit-text-decoration-color:color-mix(in srgb, var(--tpm-accent) 45%, transparent);text-decoration-color:color-mix(in srgb, var(--tpm-accent) 45%, transparent);text-underline-offset:2px}.tpm a:hover{-webkit-text-decoration-color:var(--tpm-accent);text-decoration-color:var(--tpm-accent)}.tpm-eyebrow{letter-spacing:.12em;text-transform:uppercase;color:var(--tpm-ink-2);font-size:.8rem;font-weight:700}.tpm-lede{color:var(--tpm-ink-2);font-size:1.16rem}.tpm section{padding:clamp(40px,6vw,64px) 0;position:relative}.tpm section+section:before,.tpm section:first-of-type:before{content:"";width:min(100% - 48px, calc(var(--tpm-measure) - 48px));background:var(--tpm-border);height:1px;position:absolute;top:0;left:50%;transform:translate(-50%)}.tpm section>.tpm-wrap.tpm-stack{gap:22px}.tpm-hero{padding:clamp(32px,5vw,56px) 0 clamp(30px,4vw,44px)}.tpm-hero .tpm-stack{gap:24px}.tpm-faceoff{grid-template-columns:1fr auto 1fr;align-items:stretch;gap:clamp(14px,3vw,28px);margin-top:4px;display:grid}@media (max-width:720px){.tpm-faceoff{grid-template-columns:1fr}}.tpm-card{background:var(--tpm-surface);border:1px solid var(--tpm-border);box-shadow:var(--tpm-shadow);border-top:3px solid var(--tpm-edge);border-radius:10px;flex-direction:column;gap:6px;padding:20px 20px 18px;display:flex}.tpm-card-actual{--tpm-edge:var(--tpm-actual)}.tpm-card-myth{--tpm-edge:var(--tpm-myth)}.tpm-card-label{letter-spacing:.07em;text-transform:uppercase;color:var(--tpm-ink-3);font-size:.78rem;font-weight:660}.tpm-card-big{font-family:var(--tpm-serif);font-variant-numeric:tabular-nums;font-size:clamp(2.2rem,6vw,3.1rem);line-height:1}.tpm-card-actual .tpm-card-big{color:var(--tpm-actual)}.tpm-card-myth .tpm-card-big{color:var(--tpm-myth)}.tpm-card-sub{color:var(--tpm-ink-2);font-size:.93rem}.tpm-vs{color:var(--tpm-ink-3);letter-spacing:.1em;text-transform:uppercase;place-items:center;font-size:.78rem;font-weight:680;display:grid}.tpm-gapline{background:var(--tpm-accent-wash);border:1px solid color-mix(in srgb, var(--tpm-accent) 24%, transparent);border-radius:8px;padding:14px 18px;font-size:1.02rem}.tpm-gapline strong{font-family:var(--tpm-serif);font-size:1.2rem}.tpm blockquote{background:var(--tpm-surface);border:1px solid var(--tpm-border);border-left:3px solid var(--tpm-accent);border-radius:0 8px 8px 0;margin:0;padding:18px 22px}.tpm blockquote p{font-size:1.08rem}.tpm blockquote cite{color:var(--tpm-ink-3);margin-top:10px;font-size:.86rem;font-style:normal;display:block}.tpm-note{background:var(--tpm-surface-2);border:1px solid var(--tpm-border);color:var(--tpm-ink-2);border-radius:8px;flex-direction:column;gap:7px;padding:16px 20px;font-size:.97rem;display:flex}.tpm-keypoint{text-align:center;background:var(--tpm-surface);border:1px solid var(--tpm-border-strong);border-top:3px solid var(--tpm-myth);box-shadow:var(--tpm-shadow);text-wrap:balance;border-radius:10px;padding:22px 24px;font-size:clamp(1.1rem,2.4vw,1.32rem);font-weight:650;line-height:1.35}.tpm-tbl-wrap{-webkit-overflow-scrolling:touch;overflow-x:auto}.tpm table{border-collapse:collapse;width:100%;font-size:.95rem}.tpm th,.tpm td{text-align:right;border-bottom:1px solid var(--tpm-border);white-space:nowrap;padding:9px 14px}.tpm th:first-child,.tpm td:first-child{text-align:left}.tpm thead th{letter-spacing:.07em;text-transform:uppercase;color:var(--tpm-ink-3);border-bottom:1px solid var(--tpm-border-strong);font-size:.74rem;font-weight:680}.tpm td.tpm-n{font-variant-numeric:tabular-nums}.tpm tbody tr:last-child td{border-bottom:none}.tpm tr.tpm-total td{border-top:1px solid var(--tpm-border-strong);font-weight:680}.tpm .tpm-neg{color:var(--tpm-myth)}.tpm-panel{background:var(--tpm-surface);border:1px solid var(--tpm-border);box-shadow:var(--tpm-shadow);border-radius:12px;padding:clamp(16px,2.6vw,22px)}.tpm-legend{color:var(--tpm-ink-2);flex-wrap:wrap;gap:14px;margin-bottom:6px;font-size:.88rem;display:flex}.tpm-legend span{align-items:center;gap:7px;display:inline-flex}.tpm-swatch{border-radius:2px;flex:none;width:22px;height:3px}.tpm figure{margin:0}.tpm figcaption{color:var(--tpm-ink-3);margin-top:12px;font-size:.86rem}.tpm svg{width:100%;height:auto;display:block;overflow:visible}.tpm-axis text{fill:var(--tpm-ink-3);font-variant-numeric:tabular-nums;font-size:11.5px}.tpm-gridline{stroke:var(--tpm-grid);stroke-width:1px}.tpm-serie{fill:none;stroke-width:2px;stroke-linejoin:round;stroke-linecap:round}.tpm-endlabel{font-size:11px;font-weight:660}.tpm-annot{fill:var(--tpm-ink-3);font-size:11px}.tpm-annot-big{font-family:var(--tpm-serif);fill:var(--tpm-myth);font-variant-numeric:tabular-nums;font-size:19px}.tpm-crosshair{stroke:var(--tpm-border-strong);stroke-width:1px;stroke-dasharray:3 3}.tpm-hdot{stroke:var(--tpm-surface);stroke-width:2px}.tpm-chart-shell{position:relative}.tpm-tip{pointer-events:none;z-index:5;opacity:0;background:var(--tpm-surface);border:1px solid var(--tpm-border-strong);box-shadow:var(--tpm-shadow);white-space:nowrap;border-radius:8px;padding:9px 12px;font-size:.85rem;transition:opacity .12s;position:absolute;transform:translate(-50%,-100%)}.tpm-tip-y{margin-bottom:4px;font-weight:680}.tpm-tip-r{justify-content:space-between;align-items:center;gap:7px;display:flex}.tpm-tip-r b{font-variant-numeric:tabular-nums;font-weight:600}.tpm-tip-dim{color:var(--tpm-ink-3)}.tpm-tipdot{border-radius:50%;flex:none;width:8px;height:8px;display:inline-block}.tpm-controls{grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:16px;margin-bottom:20px;display:grid}.tpm-ctrl{flex-direction:column;gap:7px;display:flex}.tpm-ctrl label{letter-spacing:.06em;text-transform:uppercase;color:var(--tpm-ink-3);font-size:.78rem;font-weight:660}.tpm-ctrl input{font:inherit;font-variant-numeric:tabular-nums;border:1px solid var(--tpm-border-strong);background:var(--background);color:var(--foreground);border-radius:7px;width:100%;padding:9px 12px;font-size:1rem}.tpm-ctrl .tpm-hint{color:var(--tpm-ink-3);font-size:.78rem}.tpm-moneyin{border:1px solid var(--tpm-border-strong);background:var(--background);border-radius:7px;align-items:center;display:flex}.tpm-moneyin span{color:var(--tpm-ink-3);font-variant-numeric:tabular-nums;padding:9px 0 9px 12px}.tpm-moneyin input{background:0 0;border:none;padding:9px 12px 9px 5px}.tpm-moneyin:focus-within{outline:2px solid var(--tpm-accent);outline-offset:2px}.tpm-moneyin input:focus-visible{outline:none}.tpm-results{background:var(--tpm-border);border:1px solid var(--tpm-border);border-radius:10px;gap:1px;display:grid;overflow:hidden}.tpm-results-money{grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}.tpm-results-rates{grid-template-columns:repeat(auto-fit,minmax(150px,1fr));margin-top:14px}.tpm-res{background:var(--tpm-surface);flex-direction:column;gap:3px;min-width:0;padding:16px 18px;display:flex}.tpm-res-k{letter-spacing:.06em;text-transform:uppercase;color:var(--tpm-ink-3);min-height:1.1em;font-size:.74rem;font-weight:660}.tpm-res-v{font-family:var(--tpm-serif);font-variant-numeric:tabular-nums;font-size:clamp(1.5rem,3.4vw,1.95rem);line-height:1.1}.tpm-results-rates .tpm-res-v{font-size:clamp(1.3rem,2.6vw,1.6rem)}.tpm-res-n2{color:var(--tpm-ink-3);font-size:.82rem}.tpm-res-hi .tpm-res-v{color:var(--tpm-actual)}.tpm-res-lo .tpm-res-v{color:var(--tpm-myth)}.tpm-warn{color:var(--tpm-myth);margin-top:14px;font-size:.9rem}.tpm-faq{border-top:1px solid var(--tpm-border);flex-direction:column;display:flex}details.tpm-q{border-bottom:1px solid var(--tpm-border)}details.tpm-q summary{cursor:pointer;padding:17px 40px 17px 0;font-size:1.04rem;font-weight:620;list-style:none;position:relative}details.tpm-q summary::-webkit-details-marker{display:none}details.tpm-q summary:after{content:"";border-right:2px solid var(--tpm-ink-3);border-bottom:2px solid var(--tpm-ink-3);width:9px;height:9px;transition:transform .18s;position:absolute;top:50%;right:8px;transform:translateY(-70%)rotate(45deg)}details.tpm-q[open] summary:after{transform:translateY(-30%)rotate(225deg)}details.tpm-q .tpm-a{color:var(--tpm-ink-2);flex-direction:column;gap:12px;padding:0 8px 20px 0;display:flex}details.tpm-q .tpm-a strong{color:var(--foreground)}details.tpm-data summary{cursor:pointer;color:var(--tpm-accent-ink);padding:4px 0 12px;font-weight:620;list-style:none}details.tpm-data summary::-webkit-details-marker{display:none}.tpm-datatable{border:1px solid var(--tpm-border);border-radius:10px;max-height:460px;overflow:auto}.tpm-datatable table{font-size:.9rem}.tpm-datatable thead th{background:var(--tpm-surface);z-index:1;position:sticky;top:0}.tpm-cta{flex-wrap:wrap;gap:12px;display:flex}.tpm a.tpm-btn{border:1px solid #0000;border-radius:8px;align-items:center;padding:11px 20px;font-size:.96rem;font-weight:620;text-decoration:none;display:inline-flex}.tpm a.tpm-btn-primary,.tpm a.tpm-btn-primary:hover{background:var(--tpm-accent);color:#fff;text-decoration:none}.tpm a.tpm-btn-primary:hover{background:var(--tpm-accent-ink)}.dark .tpm a.tpm-btn-primary,.dark .tpm a.tpm-btn-primary:hover{color:#08131a}.tpm a.tpm-btn-ghost,.tpm a.tpm-btn-ghost:hover{border-color:var(--tpm-border-strong);color:var(--foreground);background:var(--tpm-surface);text-decoration:none}.tpm a.tpm-btn-ghost:hover{border-color:var(--tpm-accent)}@media (prefers-reduced-motion:reduce){.tpm *,.tpm :before,.tpm :after{transition:none!important;animation:none!important}}