.promise{margin-top:28px;padding:18px 22px;border:1px solid var(--line);border-left:3px solid var(--accent, #A88631);border-radius:0 8px 8px 0;background:var(--bg-2)}.promise-kicker{font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.1em;color:var(--accent, #A88631);margin-bottom:12px}.promise-list{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:7px}.promise-list li{font-size:15px;color:var(--ink);padding-left:24px;position:relative;line-height:1.45}.promise-list li:before{content:"✓";position:absolute;left:0;color:var(--accent, #A88631);font-weight:800;font-size:13px}.stat-band{background:var(--accent, #A88631);color:#fff;padding:28px 32px;border-radius:6px;margin:32px 0;display:flex;align-items:baseline;gap:16px}.stat-band-num{font-family:Spectral,Georgia,serif;font-size:60px;font-weight:600;line-height:1;flex-shrink:0}.stat-band-text{font-size:16px;color:#ffffffd9;line-height:1.4}.steps{margin:0}.step{display:flex;gap:24px;margin-bottom:0}.step+.step{border-top:1px solid var(--line);padding-top:40px;margin-top:40px}.step-num{font-size:48px;font-weight:700;color:var(--accent, #A88631);line-height:1;flex-shrink:0;width:54px;opacity:.35;font-family:Archivo,sans-serif}.step-content{flex:1}.step-title{font-family:Spectral,Georgia,serif;font-size:21px;font-weight:600;color:var(--ink);margin:0 0 16px}.broker-table{width:100%;border-collapse:collapse;margin:16px 0 20px;font-size:13px}.broker-table thead tr{background:var(--accent, #A88631)}.broker-table th{text-align:left;font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:#fff;padding:8px 12px}.broker-table td{padding:10px 12px;border-bottom:1px solid var(--line);color:var(--ink);vertical-align:top;font-size:14px}.broker-table td:first-child{font-weight:700;color:var(--ink)}.broker-table tr:last-child td{border-bottom:none}.broker-table tr:nth-child(2n) td{background:var(--bg-2)}.bank-warning{background:#fceee9;border-left:3px solid #C0613B;border-radius:0 6px 6px 0;padding:18px 22px;margin:20px 0}.bank-warning-title{font-size:10px;font-weight:800;text-transform:uppercase;letter-spacing:.08em;color:#c0613b;margin-bottom:10px}.bank-fee-row{display:flex;justify-content:space-between;padding:8px 0;border-bottom:1px solid rgba(192,97,59,.15);font-size:14px;color:var(--ink)}.bank-fee-row:last-of-type{border-bottom:none}.bfr-bad{color:#c0613b;font-weight:700}.bfr-good{color:#2f7a52;font-weight:700}.duration-block{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin:22px 0}.dur-item{background:var(--bg-2);border-radius:6px;padding:14px 10px;text-align:center;border:1px solid var(--line)}.dur-num{display:block;font-family:Archivo,sans-serif;font-size:22px;font-weight:700;color:var(--accent, #A88631);margin-bottom:6px}.dur-label{font-size:12px;color:var(--ink);line-height:1.4}.etf-explainer{display:flex;gap:16px;align-items:flex-start;background:var(--bg-2);border-radius:6px;padding:18px 20px;margin:20px 0;border:1px solid var(--line)}.etf-icon{font-size:28px;flex-shrink:0}.etf-text strong{display:block;color:var(--ink);font-size:16px;margin-bottom:8px}.etf-text p{margin:0;font-size:14px;color:var(--ink)}.order-types{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:20px 0}.ot-card{border:1px solid var(--line);border-radius:6px;padding:16px;background:var(--bg)}.ot-name{font-weight:700;color:var(--ink);font-size:15px;margin-bottom:8px}.ot-desc{font-size:13px;color:var(--ink);margin-bottom:12px}.ot-verdict{font-size:12px;font-weight:700;padding:4px 10px;border-radius:20px;display:inline-block}.ot-ok{background:#a886311f;color:var(--accent, #A88631)}.ot-later{background:var(--bg-2);color:var(--ink-soft)}table.tax-table{width:100%;border-collapse:collapse;margin:20px 0}table.tax-table thead tr{background:var(--accent, #A88631)}table.tax-table th{font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.07em;color:#fff;padding:10px 14px;text-align:left}table.tax-table tr:nth-child(2n) td{background:var(--bg-2)}table.tax-table td{padding:12px 14px;border-bottom:1px solid var(--line);font-size:15px;color:var(--ink)}table.tax-table td:first-child{font-weight:700;color:var(--ink)}.next-steps{background:#a8863112;border-left:3px solid var(--accent, #A88631);border-radius:0 8px 8px 0;padding:16px 20px;margin:32px 0 0}.next-steps-label{font-size:10px;font-weight:800;text-transform:uppercase;letter-spacing:.08em;color:var(--accent, #A88631);display:block;margin-bottom:10px}.next-steps p{margin:0;font-size:14px;color:var(--ink);line-height:1.6}.faq-list{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:8px}.faq-list details{border:1px solid var(--line);border-radius:10px;overflow:hidden}.faq-list summary{padding:16px 20px;background:var(--bg-2);font-weight:600;font-size:16px;color:var(--ink);cursor:pointer;list-style:none;font-family:Archivo,sans-serif;display:block}.faq-list summary::-webkit-details-marker{display:none}.faq-list details[open] summary{background:var(--accent, #A88631);color:#fff}.faq-list .faq-body{padding:16px 20px;color:var(--ink);font-size:16px;line-height:1.7;background:#fff;font-family:Archivo,sans-serif}.further-reading{background:var(--bg-2);border-radius:8px;padding:22px 26px;margin:32px 0;border:1px solid var(--line)}.fr-label{font-size:10px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--accent, #A88631);display:block;margin-bottom:14px}.fr-list{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:10px}.fr-list li{display:flex;gap:12px;align-items:flex-start;font-size:15px}.fr-arrow{color:var(--accent, #A88631);font-weight:700;flex-shrink:0}.section-cream{background:var(--bg-2);padding:48px 28px;margin:0 -28px}.section-white{background:var(--bg);padding:48px 0}.body-wrap{max-width:700px;margin:0 auto;padding:0 28px}