:root {
  --navy:#102a43;--ink:#172b3a;--blue:#247ba0;--blue-dark:#155d7a;--mint:#72d6b2;
  --cream:#f7f2e8;--paper:#fffdf8;--coral:#ef7b62;--line:#d9e2e8;--muted:#536a78;
  --white:#fff;--max:1180px;--reading:760px;--radius:20px;
  --serif:Georgia,"Times New Roman",serif;--sans:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
}
*{box-sizing:border-box}html{scroll-behavior:smooth;overflow-x:clip}body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--sans);font-size:16px;line-height:1.65;-webkit-font-smoothing:antialiased;overflow-x:clip}body.menu-open{overflow:hidden}img{display:block;max-width:100%;height:auto}a{color:inherit;text-decoration-thickness:1px;text-underline-offset:3px}button,input{font:inherit}.shell{width:min(calc(100% - 40px),var(--max));margin-inline:auto}.content-width{width:min(calc(100% - 40px),940px);margin-inline:auto}.skip-link{position:fixed;left:16px;top:-80px;z-index:1000;background:var(--mint);padding:10px 16px;color:var(--navy);font-weight:800}.skip-link:focus{top:12px}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.site-header{height:78px;background:rgba(255,253,248,.96);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50;backdrop-filter:blur(12px)}.header-row{height:100%;display:flex;align-items:center;justify-content:space-between;gap:28px}.brand{display:inline-flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy)}.brand img{width:42px;height:42px}.brand span{font-size:1.32rem;letter-spacing:-.04em}.brand b{font-weight:900}.brand i{font-family:var(--serif);font-weight:400}.desktop-nav{display:flex;align-items:center;gap:32px}.desktop-nav a{text-decoration:none;font-size:.94rem;font-weight:700}.desktop-nav a:hover,.desktop-nav a:focus-visible{color:var(--blue)}.menu-button{display:none;align-items:center;gap:10px;background:var(--navy);color:white;border:0;border-radius:999px;padding:11px 15px 11px 18px;font-weight:800;cursor:pointer}.menu-icon{width:22px;height:18px;display:grid;align-content:center;gap:5px}.menu-icon span{display:block;height:2px;background:currentColor;border-radius:2px}.menu-icon span:last-child{width:14px;justify-self:end}.menu-backdrop{position:fixed;inset:0;background:rgba(11,31,48,.58);z-index:80}.mobile-menu{position:fixed;right:0;top:0;bottom:0;width:min(90vw,410px);background:var(--navy);color:white;z-index:90;padding:22px 24px 30px;transform:translateX(105%);transition:transform .28s ease;overflow:auto}.mobile-menu.open{transform:none}.mobile-menu-top{display:flex;align-items:center;justify-content:space-between;padding-bottom:22px;border-bottom:1px solid rgba(255,255,255,.16)}.mobile-menu-title{font-family:var(--serif);font-size:1.3rem}.menu-close{border:1px solid rgba(255,255,255,.35);color:white;background:transparent;border-radius:50%;width:44px;height:44px;font-size:2rem;line-height:1;cursor:pointer}.mobile-menu nav{display:grid;padding-top:16px}.mobile-menu nav a{display:flex;justify-content:space-between;align-items:center;text-decoration:none;padding:15px 2px;border-bottom:1px solid rgba(255,255,255,.13);font-size:1.08rem;font-weight:700}.mobile-menu nav a.sub{font-size:.93rem;color:#c7d9e3;padding-left:16px}.mobile-menu-note{color:#afc6d3;margin:26px 0 0;font-size:.88rem}
h1,h2,h3{font-family:var(--serif);color:var(--navy);line-height:1.08;letter-spacing:-.035em;margin-top:0}h1{font-size:clamp(2.75rem,6vw,5.6rem);max-width:900px;margin-bottom:26px}h2{font-size:clamp(2rem,3.8vw,3.4rem);margin-bottom:18px}h3{font-size:1.45rem;margin-bottom:12px}p{margin:0 0 1.2rem}.lead{font-size:clamp(1.12rem,2vw,1.38rem);line-height:1.55;color:#365568;max-width:680px}.lead-sm{font-size:1.18rem;color:#3b5665}.section-pad{padding:clamp(70px,9vw,118px) 0}.section-heading{max-width:720px;margin-bottom:44px}.section-heading>p{font-size:1.08rem;color:var(--muted)}.section-heading.split{max-width:none;display:flex;justify-content:space-between;align-items:end;gap:30px}.section-heading.split>div{max-width:720px}.section-arrow{width:120px;height:70px;flex:0 0 auto}.section-arrow path{fill:none;stroke:var(--coral);stroke-width:4;stroke-linecap:round;stroke-linejoin:round}.button{display:inline-flex;align-items:center;justify-content:center;gap:12px;min-height:50px;padding:12px 20px;border-radius:999px;text-decoration:none;font-weight:800;border:1px solid transparent;cursor:pointer}.button.primary{background:var(--navy);color:white}.button.primary:hover{background:var(--blue-dark)}.button.secondary{color:var(--navy);background:transparent;border-color:var(--navy)}.button.mint{background:var(--mint);color:var(--navy)}.button.quiet{background:transparent;border-color:var(--line);color:var(--navy)}.text-link,.precision-link{font-weight:800;color:var(--blue-dark)}
.hero{background:linear-gradient(135deg,#edf8f6 0%,var(--cream) 58%,#f8e7df 100%);overflow:hidden}.hero-grid{min-height:690px;display:grid;grid-template-columns:1.05fr .95fr;align-items:center;gap:30px}.hero-copy{padding:78px 0 86px;position:relative;z-index:2}.hero-actions{display:flex;align-items:center;gap:24px;flex-wrap:wrap;margin:34px 0}.trust-row{display:flex;flex-wrap:wrap;gap:9px 22px;color:var(--muted);font-size:.88rem;font-weight:700}.trust-row span:before{content:"✓";color:var(--blue);margin-right:7px}.hero-art{margin:0;align-self:stretch;position:relative;min-width:0}.hero-art img{position:absolute;width:150%;max-width:none;height:100%;object-fit:cover;object-position:40% 50%;border-radius:0 0 0 180px}
.quick-tool{background:var(--navy);color:white}.quick-tool h2,.quick-tool .section-heading p{color:white}.mini-calculator{display:grid;grid-template-columns:repeat(4,1fr) 1.25fr;border:1px solid rgba(255,255,255,.18);border-radius:var(--radius);overflow:hidden;background:rgba(255,255,255,.06)}label{font-weight:750;color:var(--navy)}.mini-calculator label{padding:19px 18px;border-right:1px solid rgba(255,255,255,.16);color:#cfe0e9;font-size:.83rem}.mini-calculator input{display:block;width:100%;margin-top:8px;background:transparent;border:0;border-bottom:1px solid rgba(255,255,255,.3);padding:6px 0;color:white;font-size:1.25rem;font-weight:800;outline:0}.mini-calculator input:focus{border-color:var(--mint)}.mini-result{background:var(--mint);color:var(--navy);padding:18px 22px;display:flex;flex-direction:column;justify-content:center}.mini-result span{font-size:.82rem;font-weight:800}.mini-result strong{font-size:2rem;line-height:1.2}.mini-result small{font-size:.72rem}.precision-link{display:inline-block;color:var(--mint);margin-top:20px}.paper-section{background:var(--cream)}.tool-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.tool-card{background:white;border:1px solid var(--line);border-radius:var(--radius);padding:28px;min-height:300px;display:flex;flex-direction:column}.tool-card.large{min-height:360px}.tool-card h2,.tool-card h3{font-family:var(--serif)}.tool-card h2 a,.tool-card h3 a{text-decoration-color:transparent}.tool-card h2 a:hover,.tool-card h3 a:hover{text-decoration-color:currentColor}.tool-icon{width:62px;height:62px;border-radius:18px;background:#dff6ed;color:var(--navy);display:grid;place-items:center;font-size:1.7rem;font-weight:900;margin-bottom:50px}.tool-card p{color:var(--muted)}.card-action{margin-top:auto;color:var(--blue-dark);font-weight:800}.feature-grid{display:grid;grid-template-columns:1fr 1fr;gap:clamp(40px,7vw,90px);align-items:center}.feature-grid figure{margin:0}.feature-grid figure img{border-radius:28px}.check-list{list-style:none;padding:0;margin:30px 0}.check-list li{padding:10px 0 10px 34px;position:relative;border-bottom:1px solid var(--line)}.check-list li:before{content:"→";position:absolute;left:0;color:var(--coral);font-weight:900}.latest-section{background:#eef5f6}.magazine-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:20px}.mag-card{border-top:2px solid var(--navy);padding:20px 0;min-height:205px}.mag-card.featured{grid-row:span 2;background:white;border:0;padding:0 0 28px;border-radius:var(--radius);overflow:hidden}.mag-card.featured img{width:100%;height:260px;object-fit:cover}.mag-card.featured>div{padding:26px}.mag-card h3 a{text-decoration-color:transparent}.mag-card h3 a:hover{text-decoration-color:currentColor}.mag-card p:not(.meta){color:var(--muted)}.meta{font-size:.78rem;color:var(--muted);font-weight:750}.dark-cta{background:var(--navy)}.cta-grid{display:flex;align-items:center;justify-content:space-between;gap:40px}.cta-grid div{max-width:720px}.cta-grid h2{color:white}.cta-grid p{color:#bfd2dc}
.page-hero,.article-hero,.tool-hero{background:var(--cream);padding:clamp(68px,9vw,110px) 0}.page-hero.compact{padding:70px 0}.narrow-left{max-width:900px;margin-left:max(20px,calc((100vw - var(--max))/2))}.page-hero .narrow-left{margin-left:auto;margin-right:auto;width:min(calc(100% - 40px),var(--max))}.page-hero p,.article-title>p,.tool-heading>p{font-size:1.2rem;max-width:720px;color:var(--muted)}.breadcrumbs{display:flex;gap:9px;align-items:center;flex-wrap:wrap;font-size:.82rem;font-weight:750;color:var(--muted);margin-bottom:28px}.breadcrumbs a{color:var(--blue-dark)}.hub-strip{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-bottom:70px}.hub-strip article{padding:26px;background:#eef5f6;border-radius:var(--radius)}.hub-strip h2{font-size:1.55rem}.hub-strip h2 a{text-decoration-color:transparent}.hub-strip h2 a:hover{text-decoration-color:currentColor}.article-list{border-top:1px solid var(--line)}.article-list article{display:grid;grid-template-columns:1fr auto;gap:30px;align-items:end;padding:30px 0;border-bottom:1px solid var(--line)}.article-list h2{font-size:1.75rem;margin-bottom:10px}.article-list h2 a{text-decoration-color:transparent}.article-list h2 a:hover{text-decoration-color:currentColor}.article-list p{color:var(--muted);max-width:720px}.exact-link{font-weight:800;color:var(--blue-dark);white-space:nowrap}.article-title,.tool-heading{width:min(calc(100% - 40px),940px);margin:auto}.article-title h1,.tool-heading h1{font-size:clamp(2.6rem,5.2vw,5rem)}.byline{display:flex;gap:10px 24px;flex-wrap:wrap;margin-top:30px;font-size:.85rem;font-weight:750;color:var(--muted)}.article-layout{display:grid;grid-template-columns:260px minmax(0,var(--reading));justify-content:center;gap:70px;padding-top:80px;padding-bottom:100px}.article-layout.single{grid-template-columns:260px minmax(0,var(--reading))}.takeaways{align-self:start;position:sticky;top:112px;border-top:3px solid var(--coral);padding-top:18px}.takeaways h2{font-size:1.25rem}.takeaways ul{padding-left:20px}.takeaways li{margin-bottom:12px}.takeaways p{font-size:.9rem;color:var(--muted)}.article-body{min-width:0}.article-image{margin:0 0 50px}.article-image img,.article-body>img.article-image{border-radius:24px;width:100%;max-height:520px;object-fit:cover}.article-body section{margin:0 0 52px}.article-body h2{font-size:2.2rem;margin-top:0}.article-body h3{font-size:1.55rem;margin-top:38px}.article-body p,.article-body li{font-size:1.075rem}.article-body a{color:var(--blue-dark)}.article-body table{width:100%;border-collapse:collapse;margin:25px 0}.article-body th,.article-body td{border:1px solid var(--line);padding:12px;text-align:left}.article-body tr:hover{box-shadow:none;background:#f5f9fa}.source-box{background:#eef5f6;border-radius:var(--radius);padding:28px}.source-box h2{font-size:1.55rem}.source-box li{margin:8px 0}.review-note{border-left:4px solid var(--mint);padding:8px 0 8px 20px}.related{background:var(--cream)}.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.related-grid article{background:white;border:1px solid var(--line);border-radius:16px;padding:22px}.related-grid h3 a{text-decoration-color:transparent}.related-grid h3 a:hover{text-decoration-color:currentColor}.related-grid p{color:var(--muted);font-size:.92rem}
.tool-zone{background:#eef5f6;padding:60px 0}.tool-layout{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:28px;align-items:start}.calculator{background:white;border:1px solid var(--line);border-radius:24px;padding:32px;min-width:0}.method-card{background:var(--navy);color:white;border-radius:24px;padding:28px}.method-card h2{color:white;font-size:1.65rem}.method-card>a{color:var(--mint);font-weight:800}.privacy-note{border-top:1px solid rgba(255,255,255,.2);padding-top:22px;margin-top:24px}.privacy-note p{color:#c2d5df;font-size:.9rem}.form-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.top-inputs{grid-template-columns:repeat(4,1fr);margin-bottom:30px}.calculator label{display:block;font-size:.9rem}.calculator input{width:100%;margin-top:7px;min-height:48px;border:1px solid #b8c7d0;border-radius:10px;padding:10px 12px;color:var(--ink);background:white}.calculator input:focus{outline:3px solid rgba(36,123,160,.18);border-color:var(--blue)}.help{display:inline-grid;place-items:center;width:18px;height:18px;border:1px solid var(--muted);border-radius:50%;font-size:.72rem}.table-scroll{overflow-x:auto;margin:10px 0 24px;border:1px solid var(--line);border-radius:14px}.quote-table{width:100%;min-width:920px;border-collapse:collapse}.quote-table th{padding:12px;background:var(--navy);color:white;text-align:left;font-size:.78rem}.quote-table td{padding:8px;border-top:1px solid var(--line)}.quote-table tr:hover{box-shadow:none;background:#f4f8f9}.quote-table input{min-height:40px;margin:0}.result-cell{font-weight:850;color:var(--navy);font-variant-numeric:tabular-nums}.form-actions{display:flex;gap:12px;flex-wrap:wrap}.result-summary{margin-top:24px;padding:18px;border-radius:14px;background:#e3f8ef;display:none}.result-summary.show{display:block}.stack-form{display:grid;gap:22px}.stack-form>.button{justify-self:start}.metric-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:30px}.metric-grid>div{background:var(--cream);border-radius:14px;padding:20px}.metric-grid span{font-size:.8rem;color:var(--muted);font-weight:750;display:block}.metric-grid strong{font-size:1.8rem;color:var(--navy)}.iban-result{display:none;margin-top:28px;padding:20px;border-radius:14px}.iban-result.show{display:block}.iban-result.valid{background:#ddf7ec}.iban-result.invalid{background:#fce5df}.explainer{background:var(--paper)}.two-col{columns:2;column-gap:50px;margin-bottom:18px}.prose-page{max-width:760px}.prose-page section{margin-bottom:52px}.prose-page h2{font-size:2rem}.prose-page p{font-size:1.08rem}.empty-state{padding:55px;border:1px solid var(--line);border-radius:var(--radius);background:var(--cream)}
.site-footer{background:#0a2134;color:#c4d4dd;padding-top:70px}.footer-grid{display:grid;grid-template-columns:2fr repeat(3,1fr);gap:55px;padding-bottom:55px}.brand-light{color:white}.footer-intro p{max-width:320px;margin-top:18px}.site-footer h2{font-family:var(--sans);font-size:.86rem;text-transform:none;letter-spacing:0;color:white}.site-footer>div>div:not(.footer-intro) a{display:block;color:#c4d4dd;text-decoration:none;padding:5px 0}.site-footer a:hover{color:var(--mint)}.footer-bottom{display:flex;justify-content:space-between;gap:20px;border-top:1px solid rgba(255,255,255,.14);padding:20px 0;font-size:.8rem}
.answer-box{background:#e3f8ef;border-left:5px solid var(--mint);border-radius:0 18px 18px 0;padding:25px 28px;margin-bottom:38px!important}.answer-box h2{font-family:var(--sans);font-size:1rem;letter-spacing:0;margin-bottom:8px}.answer-box p{font-size:1.14rem;margin:0}.decision-checklist{border:1px solid var(--line);border-radius:18px;padding:27px}.decision-checklist ul{list-style:none;padding:0;margin:0}.decision-checklist li{position:relative;padding:9px 0 9px 30px;border-bottom:1px solid var(--line)}.decision-checklist li:last-child{border:0}.decision-checklist li:before{content:"→";position:absolute;left:0;color:var(--coral);font-weight:900}.faq-section>div{border-top:1px solid var(--line);padding:22px 0}.faq-section h3{margin:0 0 9px}
.table-scroll{position:relative}
:focus-visible{outline:3px solid var(--coral);outline-offset:3px}@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}
@media(max-width:980px){.desktop-nav{display:none}.menu-button{display:flex}.hero-grid{grid-template-columns:1fr;min-height:0}.hero-copy{padding-bottom:35px}.hero-art{height:420px}.hero-art img{width:100%;left:0;border-radius:100px 100px 0 0}.mini-calculator{grid-template-columns:repeat(2,1fr)}.mini-result{grid-column:span 2}.tool-grid{grid-template-columns:1fr 1fr}.magazine-grid{grid-template-columns:1fr 1fr}.mag-card.featured{grid-column:span 2}.feature-grid{gap:40px}.article-layout,.article-layout.single{grid-template-columns:1fr;gap:35px}.takeaways{position:static;max-width:760px}.tool-layout{grid-template-columns:1fr}.method-card{display:grid;grid-template-columns:1fr 1fr;gap:24px}.privacy-note{border-top:0;border-left:1px solid rgba(255,255,255,.2);padding:0 0 0 24px;margin:0}.footer-grid{grid-template-columns:2fr 1fr 1fr}.footer-grid>div:last-child{grid-column:2}.hub-strip{grid-template-columns:1fr 1fr}}
@media(max-width:700px){.shell,.content-width{width:min(calc(100% - 28px),var(--max))}.site-header{height:68px}.brand img{width:36px;height:36px}.brand span{font-size:1.16rem}.menu-button{padding:9px 12px 9px 15px}.hero-copy{padding-top:58px}h1{font-size:2.8rem}.lead{font-size:1.08rem}.hero-actions{align-items:stretch;flex-direction:column}.hero-actions .button{width:100%}.hero-art{height:300px}.hero-art img{width:100%;left:0;object-position:55% 50%;border-radius:70px 70px 0 0}.section-pad{padding:68px 0}.section-heading.split{display:block}.section-heading.split>.text-link{display:inline-block;margin-top:12px}.section-arrow{display:none}.mini-calculator{display:block}.mini-calculator label{display:block;border-right:0;border-bottom:1px solid rgba(255,255,255,.16)}.mini-result{min-height:120px}.tool-grid,.feature-grid,.hub-strip,.related-grid{grid-template-columns:1fr}.tool-card{min-height:260px}.tool-icon{margin-bottom:35px}.feature-grid figure{order:2}.magazine-grid{display:block}.mag-card,.mag-card.featured{margin-bottom:20px}.mag-card.featured img{height:220px}.cta-grid{display:block}.cta-grid .button{margin-top:18px}.article-list article{display:block}.article-list .exact-link{display:inline-block;margin-top:10px}.article-hero,.tool-hero{padding:55px 0}.article-title h1,.tool-heading h1{font-size:2.65rem}.article-layout{padding-top:45px;padding-bottom:70px}.article-body h2{font-size:1.8rem}.source-box{padding:21px}.tool-zone{padding:28px 0}.calculator{padding:20px}.form-grid,.top-inputs,.metric-grid{grid-template-columns:1fr}.top-inputs{gap:12px}.method-card{display:block}.privacy-note{border-left:0;border-top:1px solid rgba(255,255,255,.2);padding:20px 0 0;margin-top:24px}.two-col{columns:1}.footer-grid{grid-template-columns:1fr 1fr;gap:35px}.footer-intro{grid-column:span 2}.footer-grid>div:last-child{grid-column:auto}.footer-bottom{display:block}.page-hero .button{margin-top:15px}}

/* SHAREITONL-inspired breadcrumb bar, adapted to the FROM.you navigation. */
body:has(.breadcrumb-bar) .site-header{border-bottom:0}
.breadcrumb-bar{background:rgba(255,253,248,.96);border:0;box-shadow:none}
.breadcrumb-bar .breadcrumbs{display:flex;align-items:center;flex-wrap:wrap;gap:.48rem;margin:0;padding:.72rem 0;color:var(--muted);font-size:.84rem;font-weight:750}
.breadcrumb-bar .breadcrumbs a{color:var(--blue-dark);text-decoration-thickness:1px;text-underline-offset:3px}
.breadcrumb-bar .breadcrumbs a:hover,.breadcrumb-bar .breadcrumbs a:focus-visible{color:var(--blue)}
.breadcrumb-separator{color:#8696a0;font-size:1.08em;line-height:1}
#main>.breadcrumb-bar+.page-hero,#main>.breadcrumb-bar+.tool-hero,#main>.breadcrumb-bar+article>.article-hero{padding-top:clamp(36px,5vw,62px)}
@media(max-width:700px){.breadcrumb-bar .breadcrumbs{gap:.38rem;padding:.62rem 0;font-size:.78rem}#main>.breadcrumb-bar+.page-hero,#main>.breadcrumb-bar+.tool-hero,#main>.breadcrumb-bar+article>.article-hero{padding-top:36px}}

/* FROM.you desktop money-route menus */
.nav-dropdown{position:relative}
.nav-dropdown-control{display:flex;align-items:center;gap:6px}
.nav-dropdown-control>a{padding:10px 0}
.nav-dropdown-toggle{position:relative;width:30px;height:30px;display:grid;place-items:center;padding:0;border:1px solid #b9d4cd;border-radius:0;background:#e5f4ef;color:var(--navy);cursor:pointer;transition:background-color .18s ease,color .18s ease,border-color .18s ease}
.nav-dropdown-toggle:before,.nav-dropdown-toggle:after{content:"";position:absolute;top:4px;bottom:4px;width:2px;background:currentColor;opacity:.15}.nav-dropdown-toggle:before{left:4px}.nav-dropdown-toggle:after{right:4px}
.nav-dropdown-toggle:hover,.nav-dropdown-toggle:focus-visible,.nav-dropdown.open .nav-dropdown-toggle{background:var(--navy);border-color:var(--navy);color:var(--mint)}
.nav-dropdown-toggle:focus-visible{outline:3px solid rgba(36,123,160,.28);outline-offset:2px}
.nav-dropdown-toggle .route-caret{width:18px;height:16px;fill:var(--coral);stroke:currentColor;stroke-width:2;stroke-linecap:square;stroke-linejoin:miter;transition:transform .2s ease}
.nav-dropdown.open .nav-dropdown-toggle .route-caret{transform:rotate(180deg)}
.nav-dropdown-panel{position:absolute;top:calc(100% + 17px);width:min(780px,calc(100vw - 40px));padding:0;background:var(--paper);border:1px solid #a9bcc4;border-top:6px solid var(--mint);box-shadow:none;opacity:0;visibility:hidden;transform:translateY(-8px);transition:opacity .18s ease,transform .18s ease,visibility .18s;pointer-events:none}
.nav-dropdown--guides .nav-dropdown-panel{right:-116px}.nav-dropdown--tools .nav-dropdown-panel{left:-155px}
.nav-dropdown-panel:before{content:"";position:absolute;top:-13px;width:18px;height:18px;background:var(--mint);clip-path:polygon(50% 0,100% 100%,0 100%)}.nav-dropdown--guides .nav-dropdown-panel:before{right:126px}.nav-dropdown--tools .nav-dropdown-panel:before{left:173px}
.nav-dropdown.open .nav-dropdown-panel{opacity:1;visibility:visible;transform:translateY(0);pointer-events:auto}
.nav-panel-heading{min-height:92px;display:grid;grid-template-columns:minmax(330px,1.2fr) minmax(240px,.8fr);gap:32px;align-items:center;padding:21px 25px;background:var(--navy);color:white;border-bottom:1px solid #345467}
.nav-panel-heading strong{display:block;font-family:var(--serif);font-size:1.22rem;line-height:1.15;color:white}.nav-panel-heading p{margin:6px 0 0;max-width:440px;color:#bed0d9;font-size:.78rem;line-height:1.45}
.nav-panel-route{width:100%;max-width:210px;justify-self:end;fill:var(--coral);stroke:var(--mint);stroke-width:2;stroke-linecap:square;stroke-linejoin:miter}
.nav-route-legend{display:grid;grid-template-columns:auto 1fr auto 1fr auto;gap:8px;align-items:center;color:white;font-size:.7rem;font-weight:850}.nav-route-legend i{height:2px;background:var(--mint);position:relative}.nav-route-legend i:after{content:"";position:absolute;right:-1px;top:-3px;width:8px;height:8px;background:var(--coral)}
.nav-dropdown-grid{display:grid;grid-template-columns:1fr 1fr;gap:0;padding:0;border-left:1px solid var(--line)}
.nav-dropdown-item{display:grid;grid-template-columns:45px 1fr 22px;gap:13px;align-items:center;min-height:100px;padding:16px 17px;border-right:1px solid var(--line);border-bottom:1px solid var(--line);background:var(--paper);transition:background-color .16s ease,color .16s ease}
.nav-dropdown-item:last-child{grid-column:1/-1;min-height:88px}.nav-dropdown-item:hover,.nav-dropdown-item:focus-within{background:#e5f4ef}.nav-dropdown-item--money-safety:hover,.nav-dropdown-item--money-safety:focus-within{background:#faebe4}
.nav-dropdown-icon{width:43px;height:43px;display:grid;place-items:center;background:var(--navy);color:var(--mint);border-left:4px solid var(--coral)}
.nav-dropdown-icon svg{width:27px;height:27px;fill:none;stroke:currentColor;stroke-width:1.65;stroke-linecap:square;stroke-linejoin:miter}
.nav-dropdown-item a,.nav-tool-item a{display:inline;color:var(--navy);font-size:.9rem;font-weight:850;text-decoration:none}.nav-dropdown-item a:hover,.nav-dropdown-item a:focus-visible,.nav-tool-item a:hover,.nav-tool-item a:focus-visible{color:var(--blue-dark);text-decoration:underline;text-underline-offset:3px}
.nav-dropdown-item p,.nav-tool-item p{margin:4px 0 0;color:var(--muted);font-size:.71rem;line-height:1.38}
.nav-item-arrow{width:20px;height:20px;fill:none;stroke:var(--blue-dark);stroke-width:1.8;stroke-linecap:square;stroke-linejoin:miter;transition:transform .16s ease}.nav-dropdown-item:hover .nav-item-arrow,.nav-dropdown-item:focus-within .nav-item-arrow,.nav-tool-item:hover .nav-item-arrow,.nav-tool-item:focus-within .nav-item-arrow{transform:translateX(3px)}
.tools-dropdown-panel{width:min(620px,calc(100vw - 40px));border-top-color:var(--coral)}.tools-dropdown-panel:before{background:var(--coral)}.tools-dropdown-panel .nav-panel-heading{grid-template-columns:1fr 190px}
.nav-tool-list{display:grid;grid-template-columns:1fr}.nav-tool-item{display:grid;grid-template-columns:48px 1fr 22px;gap:14px;align-items:center;min-height:92px;padding:14px 20px;border-bottom:1px solid var(--line);border-left:5px solid transparent;transition:background-color .16s ease,border-color .16s ease}.nav-tool-item:hover,.nav-tool-item:focus-within{background:#eef6f7;border-left-color:var(--mint)}.nav-tool-item--exchange-rate-markup:hover,.nav-tool-item--exchange-rate-markup:focus-within{border-left-color:var(--coral)}.nav-tool-item--iban-checker:hover,.nav-tool-item--iban-checker:focus-within{background:#f8efe6;border-left-color:var(--navy)}
.nav-tool-icon{width:46px;height:46px;display:grid;place-items:center;background:#dff4ec;color:var(--navy);border:1px solid #9cc8ba}.nav-tool-item--exchange-rate-markup .nav-tool-icon{background:var(--navy);color:var(--mint);border-color:var(--navy)}.nav-tool-item--iban-checker .nav-tool-icon{background:#f8e5db;color:var(--navy);border-color:#e4aa91}.nav-tool-icon svg{width:30px;height:30px;fill:none;stroke:currentColor;stroke-width:1.7;stroke-linecap:square;stroke-linejoin:miter}
.nav-tool-item--swift-wire-cost-planner .nav-tool-icon{background:var(--navy);color:var(--mint);border-color:var(--navy)}.nav-tool-item--transfer-arrival-date-estimator .nav-tool-icon{background:#e4f0f5;color:var(--blue-dark);border-color:#9bbdcb}.nav-tool-item--transfer-break-even-calculator .nav-tool-icon{background:#f8e5db;color:#8a3425;border-color:#e4aa91}.nav-tool-item--multi-currency-account-value .nav-tool-icon{background:#dff4ec;color:#176b50;border-color:#8fc3b1}
.nav-dropdown-footer{display:flex;justify-content:space-between;gap:20px;padding:15px 24px;background:#f4eee4;border-top:0}.nav-dropdown-footer a{color:var(--blue-dark);font-size:.78rem;font-weight:850;text-decoration:none}.nav-dropdown-footer a:hover,.nav-dropdown-footer a:focus-visible{text-decoration:underline;text-underline-offset:3px}
@media(prefers-reduced-motion:reduce){.nav-dropdown-toggle,.nav-dropdown-toggle svg,.nav-dropdown-panel,.nav-dropdown-item,.nav-tool-item,.nav-item-arrow{transition:none}}

/* FROM.you mobile navigation sheet */
.menu-button{border-radius:0;background:transparent;color:var(--navy);border:1px solid var(--navy);padding:9px 11px 9px 14px;letter-spacing:.01em;transition:background-color .18s ease,color .18s ease}
.menu-button:hover,.menu-button:focus-visible,.menu-button[aria-expanded="true"]{background:var(--navy);color:var(--white)}
.menu-button:focus-visible{outline:3px solid rgba(36,123,160,.28);outline-offset:2px}
.menu-icon{width:24px;height:20px;position:relative;display:block}
.menu-icon span{position:absolute;display:block;width:16px;height:2px;right:0;background:currentColor;border-radius:0;transition:transform .18s ease,width .18s ease}
.menu-icon span:first-child{top:3px;width:22px}.menu-icon span:nth-child(2){top:9px}.menu-icon span:last-child{top:15px;width:10px}
.menu-button[aria-expanded="true"] .menu-icon span:first-child{width:18px;transform:translateY(6px) rotate(45deg)}
.menu-button[aria-expanded="true"] .menu-icon span:nth-child(2){width:0}
.menu-button[aria-expanded="true"] .menu-icon span:last-child{width:18px;transform:translateY(-6px) rotate(-45deg)}
.menu-backdrop{background:rgba(16,42,67,.58);backdrop-filter:blur(3px)}
.mobile-menu{width:min(100vw,520px);padding:0;background:var(--paper);color:var(--ink);border-left:8px solid var(--mint);box-shadow:-24px 0 60px rgba(16,42,67,.2)}
.mobile-menu-top{position:sticky;top:0;z-index:2;min-height:76px;padding:14px 18px 14px 22px;background:rgba(255,253,248,.97);border-bottom:1px solid var(--line);backdrop-filter:blur(12px)}
.mobile-menu-brand{display:inline-flex;align-items:center;gap:9px;color:var(--navy);text-decoration:none}
.mobile-menu-brand img{width:40px;height:40px}.mobile-menu-brand span{font-size:1.2rem;letter-spacing:-.04em}.mobile-menu-brand b{font-weight:900}.mobile-menu-brand i{font-family:var(--serif);font-weight:400}
.menu-close{width:44px;height:44px;display:grid;place-items:center;padding:0;border:0;border-radius:0;background:var(--navy);color:var(--white)}
.menu-close:hover,.menu-close:focus-visible{background:var(--blue-dark)}.menu-close:focus-visible{outline:3px solid rgba(36,123,160,.3);outline-offset:2px}
.menu-close svg{width:22px;height:22px;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round}
.mobile-menu-body{padding:27px 22px 30px}
#mobile-menu nav{display:block;padding-top:0}
.mobile-menu-intro{padding:0 0 22px}.mobile-menu-intro strong{display:block;max-width:420px;color:var(--navy);font-family:var(--serif);font-size:clamp(1.42rem,5vw,1.85rem);line-height:1.15;letter-spacing:-.025em}.mobile-menu-intro p{margin:10px 0 0;color:var(--muted);font-size:.9rem;line-height:1.5}
.mobile-menu-cta{display:flex;align-items:center;justify-content:space-between;gap:18px;min-height:58px;padding:14px 17px;background:var(--mint);color:var(--navy);font-weight:900;text-decoration:none;border-left:5px solid var(--navy)}
.mobile-menu-cta:hover,.mobile-menu-cta:focus-visible{background:#8be1c3}.mobile-menu-cta:focus-visible{outline:3px solid rgba(36,123,160,.28);outline-offset:2px}
.mobile-menu-cta svg{width:25px;height:25px;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.mobile-primary-links{display:grid;grid-template-columns:1fr 1fr;margin:22px 0;border-top:1px solid var(--line);border-left:1px solid var(--line)}
.mobile-primary-links>a{display:grid;grid-template-columns:38px 1fr 20px;align-items:center;gap:10px;min-width:0;padding:16px 13px;color:var(--navy);text-decoration:none;border-right:1px solid var(--line);border-bottom:1px solid var(--line)}
#mobile-menu .mobile-primary-links>a{display:grid;justify-content:initial;padding:16px 13px;border-bottom:1px solid var(--line);font-size:inherit;font-weight:inherit}
.mobile-primary-links>a:hover,.mobile-primary-links>a:focus-visible{background:var(--cream)}
.mobile-primary-icon{width:36px;height:36px;display:grid;place-items:center;background:var(--navy);color:var(--mint)}.mobile-primary-icon.coral{background:var(--coral);color:var(--navy)}
.mobile-primary-icon svg,.mobile-link-arrow{width:20px;height:20px;fill:none;stroke:currentColor;stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round}.mobile-link-arrow{width:18px}
.mobile-primary-links strong{display:block;font-size:.88rem;line-height:1.2}.mobile-primary-links small{display:block;margin-top:4px;color:var(--muted);font-size:.68rem;line-height:1.35}
.mobile-topic-header{display:flex;align-items:baseline;justify-content:space-between;gap:16px;padding:4px 0 10px;border-bottom:3px solid var(--navy)}.mobile-topic-header strong{color:var(--navy);font-family:var(--serif);font-size:1.08rem}.mobile-topic-header span{color:var(--muted);font-size:.7rem;font-weight:750}
.mobile-topic-list{display:grid}.mobile-topic-item{display:grid;grid-template-columns:38px 1fr;gap:12px;padding:15px 2px;border-bottom:1px solid var(--line)}
.mobile-topic-icon{width:36px;height:36px;display:grid;place-items:center;background:#e4f4ef;color:var(--blue-dark)}.mobile-topic-icon svg{width:20px;height:20px;fill:none;stroke:currentColor;stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round}
.mobile-topic-item a{color:var(--navy);font-size:.9rem;font-weight:850;text-decoration-thickness:1px;text-underline-offset:3px}.mobile-topic-item p{margin:3px 0 0;color:var(--muted);font-size:.72rem;line-height:1.42}
#mobile-menu .mobile-topic-item a{display:inline;padding:0;border:0;font-size:.9rem;font-weight:850}
.mobile-utility-links{display:grid;grid-template-columns:1fr 1fr;margin-top:23px;border-top:1px solid var(--line);border-left:1px solid var(--line)}.mobile-utility-links a{padding:12px 13px;color:var(--blue-dark);font-size:.8rem;font-weight:800;text-decoration:none;border-right:1px solid var(--line);border-bottom:1px solid var(--line)}.mobile-utility-links a:hover,.mobile-utility-links a:focus-visible{background:#edf7f4;text-decoration:underline}
#mobile-menu .mobile-utility-links a{display:block;justify-content:initial;padding:12px 13px;border-right:1px solid var(--line);border-bottom:1px solid var(--line);font-size:.8rem;font-weight:800}
.mobile-menu-bottom{display:flex;justify-content:space-between;gap:16px;padding:16px 22px;background:var(--navy);color:#c8d9e3;font-size:.72rem}.mobile-menu-bottom a{color:var(--mint);font-weight:800}
@media(max-width:460px){.mobile-menu{border-left-width:5px}.mobile-menu-body{padding:23px 16px 26px}.mobile-menu-top{padding-inline:16px}.mobile-primary-links{grid-template-columns:1fr}.mobile-primary-links>a{grid-template-columns:38px 1fr 20px}.mobile-topic-item p{font-size:.7rem}.mobile-menu-bottom{padding-inline:16px}}
@media(prefers-reduced-motion:reduce){.menu-button,.menu-icon span{transition:none}}

/* Intent-specific guide presentations */
.guide-article .guide-answer{max-width:790px}
.guide-article .guide-lead-image img{border-radius:0}
.article-layout.guide-wide{grid-template-columns:minmax(0,940px);gap:0;padding-top:54px}
.guide-opening-panel{position:static;top:auto;display:grid;grid-template-columns:230px 1fr;gap:32px;margin-top:54px;margin-bottom:0;padding:27px 30px;border:0;border-left:6px solid var(--navy);background:#edf7f4}
.guide-opening-panel h2{margin:0;font-size:1.32rem;align-self:start}
.guide-opening-panel ul{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;margin:0;padding:0;list-style:none}
.guide-opening-panel li{margin:0;padding-left:17px;position:relative;font-size:.88rem;line-height:1.5}
.guide-opening-panel li:before{content:"→";position:absolute;left:0;color:var(--blue-dark);font-weight:900}
.guide-side-notes{border-radius:0}

.guide-layout-comparison-brief .article-hero{background:linear-gradient(120deg,var(--cream) 0%,#edf7f4 100%)}
.guide-layout-comparison-brief .guide-answer{font-family:var(--serif);font-size:1.28rem;border-left:5px solid var(--mint);padding-left:22px}
.guide-layout-comparison-brief .guide-opening-panel{background:var(--paper);border:1px solid var(--line);border-left:6px solid var(--mint)}
.guide-layout-comparison-brief .comparison-grid{border-top:4px solid var(--mint)}

.guide-layout-cost-workbench .article-hero{background:#eaf6f2}
.guide-layout-cost-workbench .guide-answer{padding:18px 22px;background:var(--paper);border-left:5px solid var(--mint)}
.guide-layout-cost-workbench .guide-side-notes{border-top-color:var(--mint);background:#eff8f5;padding:20px}
.guide-layout-cost-workbench .article-body table thead{background:var(--navy);color:var(--white)}
.guide-layout-cost-workbench .scenario-block{border-left-color:var(--mint)}

.guide-layout-route-map .article-hero{background:#eaf2f6}
.guide-layout-route-map .guide-answer{border-bottom:3px solid var(--blue);padding-bottom:22px}
.guide-layout-route-map .guide-side-notes{border-top:0;border-left:4px solid var(--blue);padding:2px 0 2px 20px}
.guide-layout-route-map .guide-steps ol{position:relative}
.guide-layout-route-map .guide-steps ol:before{content:"";position:absolute;left:19px;top:16px;bottom:16px;width:2px;background:#b8d5e2}
.guide-layout-route-map .guide-steps li{position:relative;background:var(--paper)}
.guide-layout-route-map .source-box{border-top:4px solid var(--blue)}

.guide-layout-response-file .article-hero{background:#f9ece7}
.guide-layout-response-file .guide-answer{padding:20px 24px;background:var(--paper);border-left:6px solid var(--coral);color:var(--navy)}
.guide-layout-response-file .guide-opening-panel{background:var(--navy);border-left-color:var(--coral);color:var(--white)}
.guide-layout-response-file .guide-opening-panel h2{color:var(--white)}
.guide-layout-response-file .guide-opening-panel li:before{color:var(--coral)}
.guide-layout-response-file .decision-checklist{border-top:5px solid var(--coral);padding-top:24px}
.guide-layout-response-file .source-box{background:#f9ece7;border-left:5px solid var(--coral)}

.guide-layout-reference-note .article-hero{background:var(--paper);border-left:10px solid var(--blue)}
.guide-layout-reference-note .guide-answer{font-family:var(--serif);font-size:1.3rem;padding:22px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.guide-layout-reference-note .guide-side-notes{border-top-color:var(--blue);background:var(--cream);padding:20px}
.guide-layout-reference-note .article-body h2{font-size:2rem}
.guide-layout-reference-note .source-box{background:#eaf2f6;border-left:5px solid var(--blue)}

.guide-layout-planning-guide .article-hero{background:linear-gradient(135deg,var(--cream),#f8eee8)}
.guide-layout-planning-guide .guide-answer{padding-left:22px;border-left:5px solid var(--coral)}
.guide-layout-planning-guide .guide-side-notes{border-top-color:var(--coral)}
.guide-layout-planning-guide .scenario-block{background:#fbf4ec;border-left:0;border-top:4px solid var(--coral);padding:26px}

.guide-layout-operations-manual .article-hero{background:var(--navy);color:var(--white)}
.guide-layout-operations-manual .article-hero h1,.guide-layout-operations-manual .article-hero .guide-answer,.guide-layout-operations-manual .article-hero .byline{color:var(--white)}
.guide-layout-operations-manual .article-hero .byline a{color:var(--mint)}
.guide-layout-operations-manual .guide-answer{padding-top:20px;border-top:1px solid rgba(255,255,255,.25)}
.guide-layout-operations-manual .guide-opening-panel{background:var(--mint);border-left-color:var(--coral)}
.guide-layout-operations-manual .guide-opening-panel li:before{color:var(--navy)}
.guide-layout-operations-manual .guide-steps{border-left:5px solid var(--navy);padding-left:25px}
.guide-layout-operations-manual .article-body table thead{background:var(--navy);color:var(--white)}

.guide-faq>div{border-radius:0}
.guide-sources{border-radius:0}
.guide-related .related-grid article{border-radius:0}
@media(max-width:980px){.guide-opening-panel{grid-template-columns:1fr}.guide-opening-panel ul{grid-template-columns:repeat(3,minmax(0,1fr))}}
@media(max-width:700px){.guide-opening-panel{width:min(calc(100% - 28px),var(--max));margin-top:32px;padding:22px 19px}.guide-opening-panel ul{grid-template-columns:1fr;gap:12px}.article-layout.guide-wide{padding-top:38px}.guide-layout-reference-note .article-hero{border-left-width:5px}.guide-layout-cost-workbench .guide-answer,.guide-layout-response-file .guide-answer{padding:16px 17px}}

/* Journal articles respond to their authored document structure. */
.blog-article .article-image{border-radius:0}
.blog-layout-data-brief .article-hero{background:#eaf6f2}.blog-layout-data-brief .journal-contents{border-top-color:var(--mint);background:#eff8f5;padding:20px}.blog-layout-data-brief .article-body table thead{background:var(--navy);color:var(--white)}
.blog-layout-procedure .article-hero{background:linear-gradient(135deg,var(--cream),#f8eee8)}.blog-layout-procedure .journal-contents{border-top-color:var(--coral)}.blog-layout-procedure .article-body ol{border-left:4px solid var(--coral);padding-left:32px}
.blog-layout-evidence-note .article-hero{background:var(--navy);color:var(--white)}.blog-layout-evidence-note .article-hero h1,.blog-layout-evidence-note .article-hero .direct-answer,.blog-layout-evidence-note .article-hero .byline{color:var(--white)}.blog-layout-evidence-note .article-hero .byline a{color:var(--mint)}.blog-layout-evidence-note .journal-contents{border-top:0;border-left:4px solid var(--coral);padding-left:20px}
.blog-layout-reference-file .article-hero{background:var(--paper);border-left:10px solid var(--blue)}.blog-layout-reference-file .journal-contents{border-top-color:var(--blue);background:var(--cream);padding:20px}
.blog-layout-field-note .article-hero{background:var(--cream)}.blog-layout-field-note .journal-contents{border-top-color:var(--navy)}
@media(max-width:700px){.blog-layout-reference-file .article-hero{border-left-width:5px}}
@media(max-width:430px){.menu-word{font-size:.82rem}.footer-grid{grid-template-columns:1fr}.footer-intro{grid-column:auto}.footer-grid>div:last-child{grid-column:auto}}

/* Each money tool has a product interface shaped around its actual task. */
.tool-card{border-radius:0}.tool-card-preview{height:112px;margin:-4px 0 30px;border:1px solid var(--line);background:var(--paper);overflow:hidden}.tool-card.large .tool-card-preview{height:132px}.quote-preview{padding:13px}.quote-preview>div{display:grid;grid-template-columns:1fr .75fr auto;gap:9px;align-items:center;padding:7px 0;border-bottom:1px solid var(--line);font-size:.68rem}.quote-preview i{height:7px;background:#c5dbe3}.quote-preview>div:nth-child(2) i{width:72%;background:var(--mint)}.quote-preview strong{font-size:.64rem;color:var(--blue-dark)}.quote-preview small,.iban-preview small{display:block;margin-top:8px;color:var(--muted);font-size:.62rem}.rate-preview{padding:16px;background:var(--navy);color:white}.rate-preview>div{display:grid;grid-template-columns:62px 1fr;gap:8px;align-items:center;margin-bottom:10px;font-size:.66rem}.rate-preview i{height:9px;background:#8eb6c8}.rate-preview>div:nth-child(2) i{width:84%;background:var(--mint)}.rate-preview strong{display:inline-block;padding-top:3px;border-top:2px solid var(--coral);font-size:.7rem;color:white}.iban-preview{padding:18px;background:#f8efe6}.iban-preview>div{display:grid;grid-template-columns:.55fr .55fr 1.7fr;border:1px solid #9fb0b8}.iban-preview span{padding:13px 8px;border-right:1px solid #9fb0b8;font-family:ui-monospace,SFMono-Regular,Menlo,monospace;font-weight:800;color:var(--navy)}.iban-preview span:last-child{border-right:0}.tool-card .tool-icon{display:none}
.target-preview{display:grid;grid-template-columns:1fr auto;align-content:center;gap:4px 12px;padding:18px;background:#e6f4ef}.target-preview span,.target-preview small{color:var(--muted);font-size:.68rem}.target-preview strong{color:var(--navy);font-family:var(--serif);font-size:1.3rem}.target-preview i{grid-row:1/3;grid-column:2;align-self:center;color:var(--coral);font-size:1.7rem}.swift-preview{display:grid;grid-template-columns:auto 1fr auto 1fr auto;align-items:center;gap:7px;padding:18px;background:var(--navy);color:white}.swift-preview span{font-size:.62rem}.swift-preview i{height:2px;background:var(--mint)}.swift-preview strong{grid-column:1/-1;margin-top:14px;color:var(--mint);font-size:.75rem}.arrival-preview{display:grid;grid-template-columns:auto auto 1fr auto;align-items:center;gap:9px;padding:19px;background:var(--cream);color:var(--navy)}.arrival-preview span{font-size:.64rem}.arrival-preview b{padding:8px;background:var(--coral)}.arrival-preview i{height:2px;background:var(--blue)}.arrival-preview strong{grid-column:1/-1;margin-top:11px;border-top:3px solid var(--blue);padding-top:7px}.crossover-preview{position:relative;display:grid;grid-template-columns:auto 1fr 12px 1fr auto;align-items:center;gap:6px;padding:20px;background:#f8ebe5}.crossover-preview span{font-size:.63rem}.crossover-preview i{height:2px;background:var(--navy);transform:rotate(12deg)}.crossover-preview i:nth-of-type(2){transform:rotate(-12deg)}.crossover-preview b{width:10px;height:10px;background:var(--coral)}.crossover-preview strong{grid-column:1/-1;margin-top:14px;color:var(--navy)}.account-preview{display:grid;grid-template-columns:1fr auto;gap:7px;padding:17px;background:#e6f4ef;font-size:.68rem}.account-preview strong{color:#176b50}.account-preview b{grid-column:1/-1;margin-top:5px;padding-top:7px;border-top:3px solid var(--navy);color:var(--navy);font-size:.82rem}
.tool-library{background:var(--paper)}.tool-library-group{display:grid;grid-template-columns:minmax(220px,.38fr) minmax(0,1.62fr);gap:32px;padding:38px 0;border-top:1px solid var(--line)}.tool-library-group>div:first-child{padding-right:20px}.tool-library-group>div:first-child h2{font-size:1.8rem}.tool-library-group>div:first-child p{color:var(--muted)}.tool-library-group .tool-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.tool-library-group:last-child .tool-grid{grid-template-columns:minmax(0,1fr)}
@media(max-width:800px){.tool-library-group{grid-template-columns:1fr}.tool-library-group>div:first-child{padding-right:0}.tool-library-group .tool-grid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.tool-library-group .tool-grid{grid-template-columns:1fr}}
.tool-page input{border-radius:0;font-variant-numeric:tabular-nums}.tool-page .button{border-radius:0}.tool-page .tool-heading{width:min(calc(100% - 40px),var(--max))}.tool-page .tool-heading h1{max-width:940px}.tool-page .direct-answer{max-width:810px}.tool-use-note{max-width:810px;margin:24px 0 0;padding-left:18px;border-left:4px solid var(--coral);font-size:.96rem;color:var(--navy)}.tool-error{min-height:1.5em;margin:10px 0 0;color:#9f2f22;font-weight:800;font-size:.88rem}.tool-page .help{border-radius:0}.tool-page .tool-answer{border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.tool-page .tool-faq>div,.tool-page .tool-sources,.tool-page .guide-tool-grid article{border-radius:0}.tool-editorial>div>section,.tool-editorial>div>aside{margin-bottom:58px}

/* Quote comparison desk */
.tool-page--quote-desk .tool-hero{background:linear-gradient(110deg,#fff9ed 0%,#edf7f4 72%);border-left:10px solid var(--mint)}
.quote-desk{background:#dfeaed;padding:58px 0 0}.quote-workbook{background:var(--paper);border:1px solid #aebfc7}.quote-brief{display:grid;grid-template-columns:minmax(210px,.7fr) minmax(520px,1.6fr) minmax(190px,.55fr);gap:26px;padding:28px;border-bottom:1px solid var(--line);align-items:end}.quote-brief h2,.quote-sheet-heading h2{font-size:1.55rem;margin-bottom:7px}.quote-brief p,.quote-sheet-heading p{margin:0;color:var(--muted);font-size:.9rem}.quote-brief-fields{display:grid;grid-template-columns:1.2fr .7fr .7fr 1fr;gap:12px}.quote-brief-fields label{font-size:.76rem}.quote-brief-fields input,.quote-table input{width:100%;min-height:43px;margin-top:6px;padding:8px 9px;border:1px solid #aebfc7;background:white;color:var(--ink)}.quote-brief-fields input:focus,.quote-table input:focus{outline:3px solid rgba(36,123,160,.18);border-color:var(--blue)}.benchmark-ticket{align-self:stretch;display:flex;flex-direction:column;justify-content:center;padding:17px;border-left:5px solid var(--mint);background:var(--navy);color:white}.benchmark-ticket span,.benchmark-ticket small{font-size:.72rem;color:#bed1dc}.benchmark-ticket strong{font-size:1.45rem;margin:5px 0;color:white}.quote-sheet-heading{display:flex;align-items:end;justify-content:space-between;gap:20px;padding:24px 28px 17px}.quote-sheet-heading>span{padding:7px 10px;background:#e2f6ee;color:var(--navy);font-size:.78rem;font-weight:850}.quote-desk .table-scroll{margin:0 28px;border-radius:0}.quote-desk .quote-table{min-width:1080px}.quote-desk .quote-table th{padding:12px 10px;background:#16364c;border-right:1px solid rgba(255,255,255,.18)}.quote-desk .quote-table td{padding:8px 7px}.quote-desk .quote-table tbody tr.is-best{background:#ddf5eb;border-left:5px solid var(--mint)}.quote-desk .quote-table tbody tr.is-best .quote-cost:after{content:" Lowest";display:block;color:#176b50;font-size:.66rem;text-transform:uppercase;letter-spacing:.08em}.quote-desk .result-cell{min-width:132px}.quote-actions{display:flex;justify-content:space-between;align-items:center;gap:20px;padding:19px 28px 26px}.quote-actions .tool-error{margin:0;text-align:right}.comparison-verdict{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:40px;margin-top:26px;padding:30px;background:var(--navy);color:white;border-left:8px solid var(--coral)}.comparison-verdict h2{color:white;font-size:1.8rem}.comparison-verdict>div>span{text-transform:uppercase;letter-spacing:.1em;font-size:.7rem;color:var(--mint);font-weight:900}.comparison-verdict p{color:#c5d7df}.comparison-verdict ol{margin:0;padding:0;list-style:none;border-top:1px solid rgba(255,255,255,.2)}.comparison-verdict li{display:flex;justify-content:space-between;gap:25px;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.2);font-size:.9rem}.comparison-verdict li span{color:#c5d7df;text-align:right}.comparison-verdict.has-result{border-left-color:var(--mint)}.quote-method-strip{display:grid;grid-template-columns:.7fr 1.4fr .85fr 1fr;gap:26px;margin-top:46px;padding:30px 0 55px;border-top:4px solid var(--navy)}.quote-method-strip h2{font-size:1.55rem}.quote-method-strip p{margin:0;font-size:.9rem}.quote-method-strip a{color:var(--blue-dark);font-weight:850}.worked-transfer{border-top:5px solid var(--navy);padding-top:28px}.result-audit-list{list-style:none;margin:28px 0 0;padding:0;border-top:1px solid var(--line)}.result-audit-list li{display:grid;grid-template-columns:minmax(180px,.7fr) 1.3fr;gap:28px;padding:21px 0;border-bottom:1px solid var(--line)}.result-audit-list h3,.result-audit-list p{margin:0}.decision-caution{padding:28px;border-left:6px solid var(--coral);background:#fbefe9}

/* Exchange-rate spread workbench */
.tool-page--rate-workbench .tool-hero{background:var(--navy);color:white}.tool-page--rate-workbench .tool-hero h1,.tool-page--rate-workbench .direct-answer,.tool-page--rate-workbench .tool-use-note{color:white}.tool-page--rate-workbench .tool-use-note{border-left-color:var(--mint)}.rate-lab{background:#e8f2f5;padding:64px 0}.rate-lab-grid{display:grid;grid-template-columns:minmax(0,.88fr) minmax(0,1.12fr);gap:0;border:1px solid #9db2bc}.rate-entry-panel{padding:34px;background:var(--paper);border-right:1px solid #9db2bc}.rate-entry-panel>h2{font-size:1.75rem}.rate-entry-panel>p{color:var(--muted)}.currency-pair-row{display:grid;grid-template-columns:1fr auto 1fr;gap:12px;align-items:end;margin:27px 0}.currency-pair-row>span{padding-bottom:13px;font-size:1.4rem;color:var(--coral)}.rate-entry-panel input{width:100%;min-height:49px;margin-top:7px;padding:10px 12px;border:1px solid #9db2bc;background:white}.rate-entry-panel input:focus{outline:3px solid rgba(36,123,160,.18);border-color:var(--blue)}.amount-line{display:block;margin-bottom:18px}.rate-input-pair{display:grid;grid-template-columns:1fr 1fr;border:1px solid #9db2bc;margin-bottom:22px}.rate-input-pair label{padding:16px}.rate-input-pair label+label{border-left:1px solid #9db2bc}.rate-input-pair small{display:block;color:var(--muted);font-size:.7rem;font-weight:500}.rate-input-pair input{border:0;border-bottom:3px solid var(--navy);padding-inline:0;font-size:1.35rem;font-weight:850}.rate-readout{display:flex;flex-direction:column;background:var(--navy);color:white}.rate-bars{padding:31px 34px 25px;background:#102c40}.rate-bars>div{display:grid;grid-template-columns:80px 1fr 68px;gap:12px;align-items:center;margin:13px 0;font-size:.78rem}.rate-bars strong{text-align:right}.rate-bar{display:block;height:13px}.reference-bar{width:100%;background:#8eb6c8}.customer-bar{width:98%;background:var(--mint);transition:width .25s ease}.spread-figure{padding:30px 34px;border-top:1px solid rgba(255,255,255,.18);border-bottom:1px solid rgba(255,255,255,.18)}.spread-figure>span{text-transform:uppercase;letter-spacing:.08em;font-size:.72rem;color:#b9d0da;font-weight:850}.spread-figure>strong{display:block;margin:5px 0;font-size:clamp(3.4rem,7vw,6.4rem);line-height:1;color:var(--mint)}.spread-figure p{max-width:540px;margin:12px 0 0;color:#d4e0e6}.rate-cash-results{display:grid;grid-template-columns:1fr 1fr;margin:0}.rate-cash-results>div{padding:22px 34px;border-bottom:1px solid rgba(255,255,255,.18)}.rate-cash-results>div+div{border-left:1px solid rgba(255,255,255,.18)}.rate-cash-results dt{font-size:.74rem;color:#b9d0da}.rate-cash-results dd{margin:6px 0 0;font-size:1.35rem;font-weight:850;color:white}.formula-trace{margin:auto 34px 28px;padding:13px 0;border-bottom:1px solid var(--mint);font-family:ui-monospace,SFMono-Regular,Menlo,monospace;color:#d4e0e6}.rate-method-note{grid-column:1/-1;display:grid;grid-template-columns:.6fr 1.25fr 1fr .7fr;gap:28px;padding:25px 34px;background:#dff5eb;border-top:1px solid #9db2bc}.rate-method-note h2{font-size:1.45rem}.rate-method-note p{margin:0;font-size:.9rem}.rate-method-note a{color:var(--blue-dark);font-weight:850}.worked-rate{padding:29px;border-top:5px solid var(--mint);background:#f0f8f5}.rate-interpretation{border-top:1px solid var(--line)}.rate-interpretation>div{display:grid;grid-template-columns:minmax(180px,.65fr) 1.35fr;gap:25px;padding:20px 0;border-bottom:1px solid var(--line)}.rate-interpretation h3,.rate-interpretation p{margin:0}.direction-note{padding:29px;background:var(--navy);color:white;border-left:7px solid var(--mint)}.direction-note h2{color:white}.direction-note p{color:#cbdbe3;margin-bottom:0}

/* IBAN inspection panel */
.tool-page--iban-inspector .tool-hero{background:#f7efe5;border-top:7px solid var(--coral)}.iban-bench{background:#edf3f4;padding:0 0 64px}.iban-scope-warning{display:grid;grid-template-columns:190px 1fr;gap:24px;padding:18px 24px;background:var(--coral);color:#28170f}.iban-scope-warning p{margin:0}.iban-console{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);border:1px solid #9fb0b8;border-top:0;background:white}.iban-entry{padding:35px;border-right:1px solid #9fb0b8}.iban-entry h2{font-size:1.75rem}.iban-entry>p{color:var(--muted)}.iban-entry form{margin-top:30px}.iban-entry input{width:100%;min-height:57px;margin:8px 0 18px;padding:12px 14px;border:1px solid #91a6b0;font-family:ui-monospace,SFMono-Regular,Menlo,monospace;font-size:1.05rem;text-transform:uppercase}.iban-entry input:focus{outline:3px solid rgba(36,123,160,.18);border-color:var(--blue)}.iban-anatomy{display:grid;grid-template-columns:1fr 1fr;background:var(--paper)}.iban-anatomy>div{display:flex;flex-direction:column;justify-content:center;padding:25px;border-right:1px solid var(--line);border-bottom:1px solid var(--line)}.iban-anatomy span{text-transform:uppercase;letter-spacing:.08em;font-size:.7rem;font-weight:850;color:var(--blue-dark)}.iban-anatomy strong{display:block;margin:8px 0;font-family:ui-monospace,SFMono-Regular,Menlo,monospace;font-size:1.6rem;color:var(--navy);word-break:break-word}.iban-anatomy small{color:var(--muted)}.iban-anatomy .iban-bban{grid-column:span 2}.iban-result{display:block;margin:0;padding:24px 30px;border-radius:0;border:1px solid #9fb0b8;border-top:0}.iban-result-idle{background:#e5edf0}.iban-result.valid{background:#dff5eb;border-left:8px solid #26966c}.iban-result.invalid{background:#f9e5dd;border-left:8px solid var(--coral)}.iban-result p{margin:6px 0 0}.iban-method-track{display:grid;grid-template-columns:repeat(4,1fr);margin-top:32px;border-top:1px solid #9fb0b8;border-left:1px solid #9fb0b8}.iban-method-track>div{padding:21px;border-right:1px solid #9fb0b8;border-bottom:1px solid #9fb0b8;background:var(--paper)}.iban-method-track strong{color:var(--navy)}.iban-method-track p{margin:6px 0 0;color:var(--muted);font-size:.84rem}.iban-method-foot{display:grid;grid-template-columns:.7fr 1.4fr .65fr;gap:27px;margin-top:34px;padding-top:25px;border-top:4px solid var(--navy)}.iban-method-foot h2{font-size:1.5rem}.iban-method-foot p{margin:0}.iban-method-foot a{color:var(--blue-dark);font-weight:850}.iban-explanation dl{display:grid;grid-template-columns:repeat(3,1fr);margin-top:26px;border-top:1px solid var(--line);border-left:1px solid var(--line)}.iban-explanation dl>div{padding:23px;border-right:1px solid var(--line);border-bottom:1px solid var(--line)}.iban-explanation dt{font-family:var(--serif);font-size:1.35rem;font-weight:800;color:var(--navy)}.iban-explanation dd{margin:8px 0 0}.iban-interpretation{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border-top:5px solid var(--blue);border-left:1px solid var(--line)}.iban-interpretation>div{padding:23px;border-right:1px solid var(--line);border-bottom:1px solid var(--line)}.iban-interpretation h3{font-size:1.25rem}.iban-boundary{padding:28px;border-left:7px solid var(--coral);background:#f9eee8}

/* Expanded calculation library */
.tool-page--recipient-target-desk .tool-hero{background:#e6f4ef;border-left:10px solid var(--mint)}
.tool-page--swift-range-ledger .tool-hero{background:#e7eef2;border-left:10px solid var(--navy)}
.tool-page--arrival-calendar .tool-hero{background:#f7f2e8;border-top:7px solid var(--blue)}
.tool-page--break-even-board .tool-hero{background:#f8ebe5;border-left:10px solid var(--coral)}
.tool-page--account-value-statement .tool-hero{background:#edf7f4;border-top:7px solid var(--mint)}
.target-planner-zone,.arrival-zone,.account-value-zone{background:#edf3f4;padding:58px 0 68px}
.swift-ledger-zone{background:#102a43;padding:58px 0 68px}
.break-even-zone{background:#f3e8df;padding:58px 0 68px}
.target-entry input,.swift-entry input,.swift-entry select,.arrival-controls input,.arrival-controls textarea,.break-even-board input,.account-value-inputs input{width:100%;min-height:48px;margin-top:7px;padding:10px 12px;border:1px solid #99acb5;background:white;color:var(--ink)}
.target-entry input:focus,.swift-entry input:focus,.swift-entry select:focus,.arrival-controls input:focus,.arrival-controls textarea:focus,.break-even-board input:focus,.account-value-inputs input:focus{outline:3px solid rgba(36,123,160,.2);border-color:var(--blue)}
.target-planner{display:grid;grid-template-columns:minmax(0,.95fr) minmax(0,1.05fr);border:1px solid #9fb4bc;background:var(--paper)}
.target-entry{padding:34px;border-right:1px solid #9fb4bc}.target-entry h2{font-size:1.8rem}.target-entry>p{color:var(--muted)}
.target-main-input{display:grid;grid-template-columns:1fr 120px;gap:12px;margin:26px 0 18px}.target-main-input input{font-size:1.4rem;font-weight:850;border-bottom:4px solid var(--mint)}
.target-assumptions{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin-bottom:24px}.target-assumptions label:last-child{grid-column:1/-1}
.target-result{display:flex;flex-direction:column;justify-content:center;padding:38px;background:var(--navy);color:white}.target-result>.result-label{color:#bcd0da;font-size:.78rem;font-weight:850;text-transform:uppercase;letter-spacing:.08em}.target-result>strong{display:block;margin:8px 0 28px;color:var(--mint);font-family:var(--serif);font-size:clamp(2.5rem,5vw,4.7rem);line-height:1}.target-result-grid{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid rgba(255,255,255,.2);border-left:1px solid rgba(255,255,255,.2)}.target-result-grid>div{padding:16px;border-right:1px solid rgba(255,255,255,.2);border-bottom:1px solid rgba(255,255,255,.2)}.target-result-grid span{display:block;color:#afc6d3;font-size:.7rem}.target-result-grid b{display:block;margin-top:5px;color:white;font-size:.9rem}.target-result>p{margin:24px 0 0;color:#c5d6de;font-family:ui-monospace,SFMono-Regular,Menlo,monospace;font-size:.85rem}
.target-boundary{display:grid;grid-template-columns:.6fr 1.4fr .7fr;gap:24px;align-items:center;padding:24px 0;border-bottom:4px solid var(--mint)}.target-boundary p{margin:0}.target-boundary a{color:var(--blue-dark);font-weight:850}
.swift-ledger{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);border:1px solid #587282}.swift-entry{padding:34px;background:var(--paper)}.swift-entry h2{font-size:1.8rem}.swift-primary-fields{display:grid;grid-template-columns:1fr 110px 110px;gap:12px;margin:25px 0 14px}.swift-rate-fields{display:grid;grid-template-columns:1fr 1fr 1fr;gap:12px}.swift-entry fieldset{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:22px 0;padding:18px;border:1px solid #9fb0b8}.swift-entry legend{padding:0 8px;color:var(--navy);font-weight:850}.swift-charge-label{display:block;margin-bottom:22px}.swift-entry select{display:block}
.swift-outcome{display:flex;flex-direction:column;justify-content:center;padding:38px;background:#16364c;color:white}.swift-range-heading span{display:block;color:#b9cfd9;font-size:.75rem;text-transform:uppercase;letter-spacing:.08em;font-weight:850}.swift-range-heading strong{display:block;margin-top:8px;color:var(--mint);font-family:var(--serif);font-size:clamp(2rem,4vw,3.6rem);line-height:1.08}.swift-route-line{display:flex;align-items:center;margin:34px 0}.swift-route-line i{width:13px;height:13px;background:var(--coral)}.swift-route-line b{height:2px;flex:1;background:#6c8795}.swift-route-line i:nth-of-type(2){background:var(--mint)}.swift-outcome dl{display:grid;grid-template-columns:1fr 1fr;margin:0;border-top:1px solid rgba(255,255,255,.18);border-left:1px solid rgba(255,255,255,.18)}.swift-outcome dl>div{padding:17px;border-right:1px solid rgba(255,255,255,.18);border-bottom:1px solid rgba(255,255,255,.18)}.swift-outcome dt{color:#b9cfd9;font-size:.72rem}.swift-outcome dd{margin:5px 0 0;color:white;font-weight:850}.swift-outcome>p{margin:22px 0 0;color:#c6d6de}
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