.MdxTable-module__qBpqmG__tableWrap{overscroll-behavior-x:contain;-webkit-overflow-scrolling:touch;background:linear-gradient(to right, var(--white), var(--white)) left center / 20px 100% no-repeat, linear-gradient(to right, var(--white), var(--white)) right center / 20px 100% no-repeat, linear-gradient(to right, #00000014, transparent) left center / 12px 100% no-repeat, linear-gradient(to left, #00000014, transparent) right center / 12px 100% no-repeat;background-attachment:local,local,scroll,scroll;margin:1.5rem 0;overflow-x:auto}.MdxTable-module__qBpqmG__tableWrap table{border-collapse:collapse;width:100%;margin:0;font-size:14px}.MdxTable-module__qBpqmG__tableWrap thead th{background:var(--text);color:var(--white);letter-spacing:.04em;text-transform:uppercase;text-align:center;padding:11px 14px;font-size:12px;font-weight:700}.MdxTable-module__qBpqmG__tableWrap thead th:first-child{text-align:left;border-radius:8px 0 0}.MdxTable-module__qBpqmG__tableWrap thead th:last-child{border-radius:0 8px 0 0}.MdxTable-module__qBpqmG__tableWrap thead th strong{color:var(--accent)}.MdxTable-module__qBpqmG__tableWrap tbody td{border-bottom:1px solid var(--border);text-align:center;padding:10px 14px}.MdxTable-module__qBpqmG__tableWrap tbody tr:last-child td{border-bottom:none}.MdxTable-module__qBpqmG__tableWrap tbody tr:nth-child(2n){background:var(--light)}.MdxTable-module__qBpqmG__tableWrap tbody td:first-child{text-align:left;color:var(--muted)}.MdxTable-module__qBpqmG__tableWrap tbody td:first-child strong{color:var(--text)}.MdxTable-module__qBpqmG__tableWrap tbody td strong,.MdxTable-module__qBpqmG__tableWrap tbody td em{font-style:normal;font-weight:700}.MdxTable-module__qBpqmG__tableWrap tbody td strong{color:var(--accent-dim)}.MdxTable-module__qBpqmG__tableWrap tbody td em{color:var(--ruby)}.MdxTable-module__qBpqmG__tableWrap tbody td strong em,.MdxTable-module__qBpqmG__tableWrap tbody td em strong{color:var(--text);font-style:normal;font-weight:700}
.YoutubeThumbnail-module__CXQtkG__wrap{aspect-ratio:16/9;background:var(--dark);cursor:pointer;border-radius:12px;width:100%;position:relative;overflow:hidden}.YoutubeThumbnail-module__CXQtkG__img{object-fit:cover}.YoutubeThumbnail-module__CXQtkG__overlay{background:#1e1c1a26;justify-content:center;align-items:center;transition:background .2s;display:flex;position:absolute;inset:0}.YoutubeThumbnail-module__CXQtkG__wrap:hover .YoutubeThumbnail-module__CXQtkG__overlay{background:#1e1c1a59}.YoutubeThumbnail-module__CXQtkG__playBtn{width:64px;height:64px;color:var(--text);background:#ffffffeb;border-radius:50%;justify-content:center;align-items:center;padding-left:4px;display:flex;position:relative;box-shadow:0 4px 16px #00000040}.YoutubeThumbnail-module__CXQtkG__playBtn:before{content:"";border:2px dashed var(--accent);opacity:0;pointer-events:none;border-radius:50%;transition:opacity .25s;animation:8s linear infinite paused YoutubeThumbnail-module__CXQtkG__youtubeRingSpin;position:absolute;inset:-6px}.YoutubeThumbnail-module__CXQtkG__wrap:hover .YoutubeThumbnail-module__CXQtkG__playBtn:before{opacity:1;animation-play-state:running}@keyframes YoutubeThumbnail-module__CXQtkG__youtubeRingSpin{to{transform:rotate(360deg)}}
.MdxYoutube-module__4Delya__btn{cursor:pointer;background:0 0;border:none;width:100%;margin:24px 0;padding:0;display:block}.MdxYoutube-module__4Delya__iframeWrap{aspect-ratio:16/9;background:var(--dark);border-radius:12px;width:100%;margin:24px 0;position:relative;overflow:hidden}.MdxYoutube-module__4Delya__iframe{border:0;width:100%;height:100%;position:absolute;inset:0}
.Callout-module__lNYk6G__callout{color:var(--text);border-radius:0 8px 8px 0;padding:14px 18px;font-size:15px;font-style:normal;font-weight:700}.Callout-module__lNYk6G__example{border-left:4px solid var(--accent);background:var(--accent-wash-block)}.Callout-module__lNYk6G__warning{border-left:4px solid var(--ruby);background:var(--ruby-pale)}.Callout-module__lNYk6G__note{border-left:4px solid var(--border);background:var(--surface-soft);font-size:14px;font-weight:400}
.BookCard-module__WoBDXW__row{grid-template-columns:repeat(3,1fr);gap:16px;margin:32px 0;display:grid}@media (max-width:760px){.BookCard-module__WoBDXW__row{grid-template-columns:1fr;gap:12px}}.BookCard-module__WoBDXW__card{background:var(--surface-soft,#f5f5f3);border:1px solid var(--text,#1a1714);color:inherit;border-radius:12px;flex-direction:column;padding:22px 24px;text-decoration:none;transition:transform .2s,box-shadow .2s;display:flex;position:relative}.BookCard-module__WoBDXW__card:hover{transform:translateY(-3px);box-shadow:0 12px 32px -16px #1a17144d}.BookCard-module__WoBDXW__eyebrow{letter-spacing:.16em;text-transform:uppercase;color:var(--accent-dim,#c49b1a);margin:0 0 12px;font-size:11px;font-weight:700}.BookCard-module__WoBDXW__title{color:var(--text,#1a1714);margin:0 0 8px;font-size:18px;font-weight:800;line-height:1.25}.BookCard-module__WoBDXW__author{color:var(--text,#1a1714);margin:0 0 12px;font-size:13px;font-weight:600}.BookCard-module__WoBDXW__meta{color:var(--muted,#6b6560);flex-grow:1;margin:0 0 16px;font-size:12px;line-height:1.55}.BookCard-module__WoBDXW__cta{color:var(--text,#1a1714);align-items:center;gap:6px;margin-top:auto;font-size:13px;font-weight:700;transition:color .2s;display:inline-flex}.BookCard-module__WoBDXW__card:hover .BookCard-module__WoBDXW__cta{color:var(--accent-dim,#c49b1a)}.BookCard-module__WoBDXW__arrow{transition:transform .2s;display:inline-block}.BookCard-module__WoBDXW__card:hover .BookCard-module__WoBDXW__arrow{transform:translate(4px)}
.AmortizationTable-module__tCiHEG__wrap{background:var(--white,#fff);border:1px solid var(--border,#ebebea);border-radius:16px;margin:32px 0;overflow:hidden}.AmortizationTable-module__tCiHEG__title{letter-spacing:.1em;text-transform:uppercase;color:var(--muted,#6b6560);border-bottom:1px solid var(--border,#ebebea);margin:0;padding:18px 22px 14px;font-size:12px;font-weight:700}.AmortizationTable-module__tCiHEG__scroll{max-height:520px;overflow:auto}.AmortizationTable-module__tCiHEG__table{border-collapse:collapse;font-variant-numeric:tabular-nums;width:100%;font-size:13px}.AmortizationTable-module__tCiHEG__thead{background:var(--light,#fafafa);z-index:1;position:sticky;top:0}.AmortizationTable-module__tCiHEG__th{text-transform:uppercase;letter-spacing:.08em;color:var(--muted,#6b6560);border-bottom:1px solid var(--border,#ebebea);text-align:right;white-space:nowrap;padding:10px 14px;font-size:11px;font-weight:700}.AmortizationTable-module__tCiHEG__thMonth{text-align:left;width:64px}.AmortizationTable-module__tCiHEG__tr{border-bottom:1px solid var(--surface-soft,#f4f3f1)}.AmortizationTable-module__tCiHEG__tr:last-child{border-bottom:0}.AmortizationTable-module__tCiHEG__tr:hover{background:var(--light,#fafafa)}.AmortizationTable-module__tCiHEG__td{text-align:right;color:var(--text,#1a1714);white-space:nowrap;padding:8px 14px}.AmortizationTable-module__tCiHEG__tdMonth{text-align:left;color:var(--muted,#6b6560);font-weight:600}.AmortizationTable-module__tCiHEG__tdBalance{font-weight:600}.AmortizationTable-module__tCiHEG__tdInterest{color:var(--ruby,#e0115f)}.AmortizationTable-module__tCiHEG__trExtra{background:#c49b1a14}.AmortizationTable-module__tCiHEG__trExtra:hover{background:#c49b1a24}.AmortizationTable-module__tCiHEG__trExtra .AmortizationTable-module__tCiHEG__tdMonth{color:var(--accent,#c49b1a);font-weight:700}.AmortizationTable-module__tCiHEG__trExtra .AmortizationTable-module__tCiHEG__tdBalance{color:var(--accent,#c49b1a);font-weight:800}.AmortizationTable-module__tCiHEG__extraTag{color:var(--accent,#c49b1a);margin-left:6px;font-size:11px;font-weight:600;display:inline-block}.AmortizationTable-module__tCiHEG__trCrossover{box-shadow:inset 0 1px 0 var(--accent,#c49b1a), inset 0 -1px 0 var(--accent,#c49b1a);background:#c49b1a1a}.AmortizationTable-module__tCiHEG__trCrossover:hover{background:#c49b1a29}.AmortizationTable-module__tCiHEG__trCrossover .AmortizationTable-module__tCiHEG__tdMonth,.AmortizationTable-module__tCiHEG__trCrossover .AmortizationTable-module__tCiHEG__tdPortfolio{color:var(--accent,#c49b1a);font-weight:800}.AmortizationTable-module__tCiHEG__crossoverTag{color:var(--accent,#c49b1a);margin-left:6px;font-size:11px;font-weight:700;display:inline-block}.AmortizationTable-module__tCiHEG__tdInvest{color:var(--muted,#6b6560)}.AmortizationTable-module__tCiHEG__tdPortfolio{color:var(--accent,#c49b1a);font-weight:600}.AmortizationTable-module__tCiHEG__footer{border-top:1px solid var(--border,#ebebea);background:var(--light,#fafafa);flex-wrap:wrap;gap:16px 28px;padding:14px 22px;font-size:13px;display:flex}.AmortizationTable-module__tCiHEG__footerItem{flex-direction:column;display:flex}.AmortizationTable-module__tCiHEG__footerLabel{letter-spacing:.06em;text-transform:uppercase;color:var(--muted,#6b6560);font-size:11px;font-weight:600}.AmortizationTable-module__tCiHEG__footerValue{color:var(--text,#1a1714);font-size:15px;font-weight:700}.AmortizationTable-module__tCiHEG__footerValueInterest{color:var(--ruby,#e0115f)}.AmortizationTable-module__tCiHEG__footerValueAccent{color:var(--accent,#c49b1a)}.AmortizationTable-module__tCiHEG__footerValueMuted{color:var(--muted,#6b6560);font-size:14px;font-weight:600}@media (max-width:600px){.AmortizationTable-module__tCiHEG__title{padding:14px 16px 12px;font-size:11px}.AmortizationTable-module__tCiHEG__th,.AmortizationTable-module__tCiHEG__td{padding:8px 10px;font-size:12px}.AmortizationTable-module__tCiHEG__extraTag{display:none}}
.Divider-module__gYW4qG__wrap{justify-content:center;align-items:center;gap:16px;margin:56px 0;display:flex}.Divider-module__gYW4qG__dot{background:var(--accent,#c49b1a);border-radius:50%;width:6px;height:6px;display:inline-block}.Divider-module__gYW4qG__diamond{color:var(--accent,#c49b1a);letter-spacing:.4em;font-size:12px;line-height:1}.Divider-module__gYW4qG__line{background:linear-gradient(to right, transparent, var(--accent,#c49b1a), transparent);border:0;border-radius:2px;max-width:180px;height:2px;margin:56px auto}@media (max-width:600px){.Divider-module__gYW4qG__wrap,.Divider-module__gYW4qG__line{margin:40px auto}}
.ArticleAudioPlayer-module__yRPO7W__player{background:var(--surface-soft);border:1px solid var(--border);border-left:3px solid var(--accent);border-radius:var(--radius-md);align-items:flex-start;gap:14px;margin:22px 0 6px;padding:14px 16px;display:flex}.ArticleAudioPlayer-module__yRPO7W__playBtn{background:var(--text);width:42px;height:42px;color:var(--white);cursor:pointer;border:none;border-radius:50%;flex-shrink:0;justify-content:center;align-items:center;transition:background .15s,transform .13s,box-shadow .15s;display:inline-flex}.ArticleAudioPlayer-module__yRPO7W__playBtn:hover{background:var(--dark);box-shadow:0 0 0 4px var(--accent-pale);transform:scale(1.08)}.ArticleAudioPlayer-module__yRPO7W__playBtn:active{box-shadow:0 0 0 3px var(--accent-pale);transform:scale(.96)}.ArticleAudioPlayer-module__yRPO7W__playBtn:focus-visible{outline:2px solid var(--accent-dim);outline-offset:3px}.ArticleAudioPlayer-module__yRPO7W__playBtn svg{fill:currentColor}.ArticleAudioPlayer-module__yRPO7W__main{flex-direction:column;flex:1;gap:8px;min-width:0;display:flex}.ArticleAudioPlayer-module__yRPO7W__topRow{justify-content:space-between;align-items:center;gap:12px;display:flex}.ArticleAudioPlayer-module__yRPO7W__label{color:var(--text);white-space:nowrap;font-size:14px;font-weight:800}.ArticleAudioPlayer-module__yRPO7W__controls{align-items:center;gap:6px;display:flex}.ArticleAudioPlayer-module__yRPO7W__skipBtn,.ArticleAudioPlayer-module__yRPO7W__speedBtn{border:1px solid var(--border);background:var(--white);color:var(--muted);border-radius:var(--radius-sm);cursor:pointer;flex-shrink:0;padding:5px 8px;font-family:inherit;font-size:11.5px;font-weight:700;line-height:1;transition:color .15s,border-color .15s}.ArticleAudioPlayer-module__yRPO7W__skipBtn:hover,.ArticleAudioPlayer-module__yRPO7W__speedBtn:hover{color:var(--text);border-color:var(--accent-dim)}.ArticleAudioPlayer-module__yRPO7W__progressRow{align-items:center;gap:12px;display:flex}.ArticleAudioPlayer-module__yRPO7W__track{background:var(--border);cursor:pointer;border-radius:999px;flex:1;height:6px;overflow:hidden}.ArticleAudioPlayer-module__yRPO7W__track:focus-visible{outline:2px solid var(--accent-dim);outline-offset:3px}.ArticleAudioPlayer-module__yRPO7W__fill{background:var(--accent);border-radius:999px;height:100%;transition:width .1s linear}.ArticleAudioPlayer-module__yRPO7W__time{font-variant-numeric:tabular-nums;color:var(--muted);flex-shrink:0;font-size:12px}.ArticleAudioPlayer-module__yRPO7W__disclaimer{color:var(--muted);font-size:11.5px}@media (max-width:560px){.ArticleAudioPlayer-module__yRPO7W__player{gap:11px;padding:12px 13px}.ArticleAudioPlayer-module__yRPO7W__playBtn{width:38px;height:38px}.ArticleAudioPlayer-module__yRPO7W__label{font-size:13px}.ArticleAudioPlayer-module__yRPO7W__skipBtn{display:none}}
.post-module__1mi9GG__heroSection{background:var(--white);border-bottom:1px solid var(--border);padding:56px 0 48px}.post-module__1mi9GG__breadcrumb{align-items:center;gap:8px;margin-bottom:24px;font-size:14px;display:flex}.post-module__1mi9GG__breadcrumbSeparator{color:var(--border-dark)}.post-module__1mi9GG__categoryBadge{letter-spacing:.1em;text-transform:uppercase;border-radius:4px;padding:3px 10px;font-size:10px;font-weight:700}.post-module__1mi9GG__heroMeta{align-items:center;gap:16px;display:flex}.post-module__1mi9GG__heroDate{color:var(--muted);font-size:14px}.post-module__1mi9GG__draftWarning{background:var(--accent-pale);color:var(--accent-dim);border:1px solid #f1c33880;border-radius:8px;margin-top:16px;padding:10px 16px;font-size:13px;font-weight:600}.post-module__1mi9GG__relatedSection{background:var(--light);border-top:1px solid var(--border);padding:48px 0 64px}.post-module__1mi9GG__relatedHeading{letter-spacing:.14em;text-transform:uppercase;color:var(--accent-neutral);margin-bottom:20px;font-size:11px;font-weight:700}.post-module__1mi9GG__relatedGrid{grid-template-columns:repeat(auto-fill,minmax(200px,1fr));gap:16px;display:grid}.post-module__1mi9GG__relatedCardLink{height:100%;text-decoration:none;display:block}.post-module__1mi9GG__relatedCardCategory{letter-spacing:.1em;text-transform:uppercase;border-radius:4px;margin-bottom:10px;padding:2px 8px;font-size:10px;font-weight:700;display:inline-block}.post-module__1mi9GG__relatedCardYear{color:var(--accent-neutral);font-size:12px}.post-module__1mi9GG__coverImage{border-radius:12px;width:100%;height:auto;margin-bottom:24px;display:block}.post-module__1mi9GG__contentSection{background:var(--white);padding:48px 0 64px}.post-module__1mi9GG__contentWrap{max-width:760px;margin:0 auto;padding:0 2rem}.post-module__1mi9GG__backLink{border-top:1px solid var(--border);margin-top:56px;padding-top:28px}.post-module__1mi9GG__postH1{color:var(--text);margin-bottom:20px;font-size:36px;font-weight:800;line-height:1.15}.post-module__1mi9GG__articleContent{color:var(--text);font-size:16px;line-height:1.8}.post-module__1mi9GG__articleContent>:first-child{margin-top:0}.post-module__1mi9GG__articleContent h2{color:var(--text);margin:2.5rem 0 1rem;font-size:26px;font-weight:800;line-height:1.2}.post-module__1mi9GG__articleContent h3{color:var(--text);margin:2rem 0 .75rem;font-size:20px;font-weight:800;line-height:1.25}.post-module__1mi9GG__articleContent h4{color:var(--text);margin:1.5rem 0 .5rem;font-size:17px;font-weight:700}.post-module__1mi9GG__articleContent p{margin:0 0 1.25rem}.post-module__1mi9GG__articleContent strong{color:var(--text);font-weight:700}.post-module__1mi9GG__articleContent a{color:var(--accent-dim);text-underline-offset:3px;text-decoration:underline}.post-module__1mi9GG__articleContent a:hover{color:var(--ruby)}.post-module__1mi9GG__articleContent ul,.post-module__1mi9GG__articleContent ol{flex-direction:column;gap:.4rem;margin:0 0 1.25rem 1.5rem;display:flex}.post-module__1mi9GG__articleContent ul{list-style:outside}.post-module__1mi9GG__articleContent ol{list-style:decimal}.post-module__1mi9GG__articleContent li{padding-left:.25rem;line-height:1.7}.post-module__1mi9GG__articleContent blockquote{border-left:3px solid var(--accent);color:var(--text);margin:1.5rem 0;padding:12px 0 12px 1.25rem;font-size:15px;font-style:normal;font-weight:700}:is(.post-module__1mi9GG__articleContent p:has(>img),.post-module__1mi9GG__articleContent p:has(>a>img)){text-align:center;margin-bottom:.5rem}.post-module__1mi9GG__articleContent img{object-fit:contain;border-radius:12px;width:auto;max-width:100%;height:auto;max-height:760px;display:inline-block}:is(.post-module__1mi9GG__articleContent p:has(>img)+p:has(>em:only-child),.post-module__1mi9GG__articleContent p:has(>a>img)+p:has(>em:only-child)){text-align:center;color:var(--muted);margin-top:0;margin-bottom:1.75rem;font-size:13px}:is(.post-module__1mi9GG__articleContent p:has(>img)+p:has(>em:only-child) em,.post-module__1mi9GG__articleContent p:has(>a>img)+p:has(>em:only-child) em){font-style:italic}.post-module__1mi9GG__articleContent hr{border:none;border-top:1px solid var(--border);margin:2rem 0}.post-module__1mi9GG__articleContent iframe{border:none;width:100%;margin:1.5rem 0;display:block}.post-module__1mi9GG__articleContent .post-module__1mi9GG__tableWrap+p:has(>em:only-child){text-align:center;color:var(--muted);margin-top:.25rem;margin-bottom:1.5rem;font-size:12px}.post-module__1mi9GG__articleContent .post-module__1mi9GG__tableWrap+p:has(>em:only-child) em{font-style:italic}.post-module__1mi9GG__articleContent pre{background:var(--surface-soft);border:1px solid var(--border);border-radius:8px;margin:1.25rem 0;padding:1rem 1.25rem;font-size:14px;overflow-x:auto}.post-module__1mi9GG__articleContent code{background:var(--surface-soft);border-radius:4px;padding:2px 6px;font-size:14px}.post-module__1mi9GG__relatedCard{border:1.5px solid var(--border);background:var(--white);cursor:pointer;border-radius:10px;flex-direction:column;height:100%;padding:20px;transition:background .15s,transform .2s,box-shadow .2s;display:flex}.post-module__1mi9GG__relatedCard:hover{background:var(--light);transform:translateY(-2px);box-shadow:0 6px 24px #00000012}.post-module__1mi9GG__relatedCardTitle{color:var(--text);flex:1;margin-bottom:6px;font-size:15px;font-weight:700;line-height:1.35;transition:color .15s}.post-module__1mi9GG__relatedCard:hover .post-module__1mi9GG__relatedCardTitle{color:var(--accent-dim)}@media (max-width:768px){.post-module__1mi9GG__postH1{font-size:26px!important;line-height:1.2!important}.post-module__1mi9GG__coverImage{margin-bottom:16px!important}.post-module__1mi9GG__contentSection{padding-top:28px!important}.post-module__1mi9GG__backLink{margin-top:36px!important;padding-top:20px!important}}.post-module__1mi9GG__breadcrumbLink{color:var(--muted);font-weight:600;text-decoration:none;transition:color .15s}.post-module__1mi9GG__breadcrumbLink:hover{color:var(--accent-dim)}