*{margin:0;padding:0;box-sizing:border-box}
:root{--fxm-paper:#FFF1E5;--fxm-paper-tint:#F9E8D9;--fxm-card:#FFFFFF;--fxm-ink:#33302E;--fxm-ink-mute:#66605C;--fxm-rule:#E4D5C7;--fxm-brand:#990F3D;--fxm-brand-deep:#7A0C30;--fxm-brand-soft:#C0395F;--fxm-link:#0F5499;--fxm-raise:0 1px 3px rgba(51,48,46,0.10);--fxm-rail-w:308px}
body{font-family:'Source Sans 3',-apple-system,sans-serif;color:var(--fxm-ink);line-height:1.7;background:var(--fxm-paper)}
h1,h2,h3,h4,.fx-wordmark,.fx-lede h1{font-family:'Newsreader',Georgia,'Times New Roman',serif}
a{color:var(--fxm-brand);text-decoration:none}a:hover{color:var(--fxm-brand-deep);text-decoration:underline}
.fx-article p a,.fx-article li a{text-decoration:underline}
img{max-width:100%;height:auto}
.fx-topbar{position:sticky;top:0;z-index:100;background:rgba(255,241,229,.95);border-bottom:1px solid var(--fxm-rule);backdrop-filter:blur(8px)}
.fx-topbar-in{max-width:1208px;margin:0 auto;padding:.75rem 1.5rem;display:flex;align-items:center;justify-content:space-between}
.fx-wordmark{font-weight:800;font-size:1.1rem;color:var(--fxm-ink)}.fx-wordmark span{color:var(--fxm-brand)}.fx-wordmark:hover{text-decoration:none}
.primary-nav{display:flex;gap:1.5rem}.primary-nav a{color:var(--fxm-ink-mute);font-size:.88rem;font-weight:500;border-bottom:2px solid transparent}.primary-nav a:hover{color:var(--fxm-brand);border-bottom-color:var(--fxm-brand);text-decoration:none}
.nav-btn{display:none;background:linear-gradient(var(--fxm-brand),var(--fxm-brand)) 0 9px/100% 2px no-repeat;border:none;cursor:pointer;width:28px;height:20px;position:relative}.nav-btn span,.nav-btn::before,.nav-btn::after{display:block;width:100%;height:2px;background:var(--fxm-brand);position:absolute;left:0}.nav-btn span{top:9px}.nav-btn::before{content:'';top:0}.nav-btn::after{content:'';top:18px}
.mnav-drawer{display:none;flex-direction:column;background:var(--fxm-paper-tint);border-top:1px solid var(--fxm-rule);padding:.5rem 1.5rem}.mnav-drawer.open{display:flex}.mnav-drawer a{padding:.6rem 0;color:var(--fxm-ink);border-bottom:1px solid var(--fxm-rule)}
.lede-art{position:absolute;inset:0;background-size:cover;background-position:center;filter:brightness(.35)}.lede-copy{position:relative;z-index:2;text-align:center;max-width:720px;padding:3rem 1.5rem;color:#fff}
.lede-flag{display:inline-block;background:var(--fxm-brand);color:#fff;font-size:.75rem;font-weight:700;text-transform:uppercase;letter-spacing:.1em;padding:.35rem 1rem;border-radius:1.3rem;margin-bottom:1rem}

.lede-cta{display:inline-flex;align-items:center;gap:.5rem;background:var(--fxm-brand);color:#fff;padding:.75rem 1.75rem;border-radius:.42rem;font-weight:600;margin-top:1.25rem}.lede-cta:hover{background:var(--fxm-brand-deep);text-decoration:none;color:#fff}


.fx-article{min-width:0}.fx-article h2{font-size:1.5rem;font-weight:600;color:var(--fxm-ink);margin:2rem 0 .75rem;padding-bottom:.5rem;border-bottom:1px solid var(--fxm-rule)}.fx-article h2:first-child{margin-top:0}.fx-article p{margin-bottom:1rem;font-size:.96rem;color:var(--fxm-ink)}
.fx-figure{margin:1.75rem 0;border-radius:.62rem;overflow:hidden;box-shadow:var(--fxm-raise);border:1px solid var(--fxm-rule)}.fx-figure img{width:100%;display:block;aspect-ratio:16/9;object-fit:cover}.fx-figure figcaption{padding:.6rem 1rem;font-size:.82rem;color:var(--fxm-ink-mute);background:var(--fxm-paper-tint);font-style:italic}
.callout{background:var(--fxm-paper-tint);border-left:4px solid var(--fxm-brand);padding:1.25rem 1.5rem;border-radius:0 .42rem .42rem 0;margin:1.5rem 0}.callout p{margin-bottom:.5rem;font-size:.93rem;color:var(--fxm-ink)}.callout p:last-child{margin-bottom:0}
.perk-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:1rem;margin:1.5rem 0}.perk-card{background:var(--fxm-card);border-radius:.62rem;padding:1.25rem;border:1px solid var(--fxm-rule);box-shadow:var(--fxm-raise)}.perk-card h4{font-size:1rem;font-weight:600;margin-bottom:.4rem;color:var(--fxm-ink)}.perk-card p{font-size:.85rem;color:var(--fxm-ink-mute);margin:0}
.fx-article h3{font-size:1.15rem;font-weight:600;color:var(--fxm-ink);margin:1.5rem 0 .5rem}
.fx-article ul,.fx-article ol{margin:0 0 1rem 1.5rem;font-size:.96rem;color:var(--fxm-ink)}.fx-article li{margin-bottom:.4rem;line-height:1.6}
.fx-article table{width:100%;border-collapse:collapse;margin:1.5rem 0;font-size:.9rem;border-radius:.42rem;overflow:hidden;box-shadow:var(--fxm-raise)}
.fx-article thead{background:var(--fxm-brand);color:#fff}
.fx-article th{padding:.7rem .9rem;text-align:left;font-weight:600;font-size:.82rem;text-transform:uppercase;letter-spacing:.03em;border-bottom:2px solid var(--fxm-brand-deep)}
.fx-article td{padding:.65rem .9rem;border-bottom:1px solid var(--fxm-rule);color:var(--fxm-ink)}
.fx-article tbody tr:nth-child(even){background:var(--fxm-paper-tint)}
.fx-article tbody tr:hover{background:#F4E4D2}
/* --- left ledger (skeleton r1) ------------------------------------------------------------- */
/* The rail leads in DOM order so the page's own index is the first thing a screen reader or a
   text browser meets after the breadcrumb. On a phone that ordering is wrong -- nobody wants a
   nav column before the article they came for -- so the single-column breakpoint reverses it with
   `order` rather than by moving the markup back. */
.fx-ledger{max-width:1208px;margin:0 auto;padding:1.55rem;display:grid;grid-template-columns:var(--fxm-rail-w) 1fr;gap:2.45rem}
.fx-trail{max-width:1208px;margin:0 auto;padding:.75rem 1.5rem;font-size:.82rem;color:var(--fxm-ink-mute)}
.fx-trail a{color:var(--fxm-ink-mute)}
.fx-trail span{margin:0 .4rem;opacity:.5}
.fx-band{max-width:1208px;margin:0 auto;padding:0 1.5rem 2.5rem}
.fx-lede{position:relative;min-height:200px;display:flex;align-items:center;justify-content:center;overflow:hidden;border-radius:.62rem;margin-bottom:1.5rem;border:1px solid var(--fxm-rule)}
.fx-lede h1{font-size:2rem;font-weight:700;line-height:1.2;margin-bottom:.6rem}
.fx-lede .lede-copy h1{color:#fff}
.fx-lede p{font-size:1rem;opacity:.95;margin:0 auto;color:#fff}
@media(max-width:900px){.fx-article table{display:block;overflow-x:auto;white-space:nowrap}.fx-article th,.fx-article td{white-space:normal;min-width:120px}}
.rail{display:flex;flex-direction:column;gap:1.5rem}.ledger-box{background:var(--fxm-card);border-radius:.62rem;padding:1.25rem;border:1px solid var(--fxm-rule);box-shadow:var(--fxm-raise)}.ledger-label{font-size:.8rem;font-weight:700;margin-bottom:.75rem;text-transform:uppercase;letter-spacing:.04em;color:var(--fxm-brand);font-family:'Newsreader',Georgia,'Times New Roman',serif}.ledger-nav{display:flex;flex-direction:column;gap:.25rem}.ledger-nav a{display:block;padding:.4rem .6rem;font-size:.85rem;color:var(--fxm-ink-mute);border-radius:.34rem}.ledger-nav a:hover{background:var(--fxm-brand);color:#fff;text-decoration:none}
.colophon{background:#1A1714;color:#C9BCB0;margin-top:3rem}.colophon-in{max-width:1208px;margin:0 auto;padding:2.5rem 1.5rem;display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:2rem}.colophon-brand .fx-wordmark{color:#fff;margin-bottom:.5rem;display:inline-block}.colophon-brand p{font-size:.82rem;color:#A99C90;margin-top:.5rem}.colophon-col h3{font-size:.75rem;text-transform:uppercase;letter-spacing:.08em;color:#E0A93D;margin-bottom:.75rem;font-weight:700}.colophon-col a{display:block;font-size:.82rem;color:#C9BCB0;padding:.2rem 0}.colophon-col a:hover{color:#E0A93D;text-decoration:none}.colophon-base{max-width:1208px;margin:0 auto;padding:1rem 1.5rem;border-top:1px solid #3A332D;font-size:.75rem;color:#A99C90;display:flex;justify-content:space-between;flex-wrap:wrap;gap:.5rem}.colophon-base a{color:#C9BCB0;text-decoration:underline}.colophon-base a:hover{color:#E0A93D}.colophon-brand .fx-wordmark span{color:#E0A93D}
@media(max-width:900px){.fx-ledger{grid-template-columns:1fr}
.fx-ledger > .rail{order:2}
.fx-ledger > .fx-article{order:1}
.fx-lede h1{font-size:1.6rem}.colophon-in{grid-template-columns:1fr}.primary-nav{display:none}.nav-btn{display:block}}
.guide-index{background:var(--fxm-paper-tint);border:1px solid var(--fxm-rule);border-radius:.42rem;padding:1.25rem 1.5rem;margin:1.5rem 0}
.guide-index h2{font-size:.95rem;font-weight:700;color:var(--fxm-ink);margin:0 0 .6rem;padding:0;border:none;text-transform:uppercase;letter-spacing:.03em}
.guide-index h3{font-size:.95rem;font-weight:700;color:var(--fxm-ink);margin-bottom:.6rem;text-transform:uppercase;letter-spacing:.03em}
.guide-index ol{margin:0 0 0 1.2rem;font-size:.9rem;color:var(--fxm-ink-mute)}
.guide-index li{margin-bottom:.3rem;line-height:1.5}
.guide-index a{color:var(--fxm-brand);text-decoration:none}
.guide-index a:hover{text-decoration:underline}
.qa-block{margin:1rem 0 1.5rem}.qa-block details{border:1px solid var(--fxm-rule);border-radius:.42rem;margin-bottom:.6rem;background:var(--fxm-card);box-shadow:var(--fxm-raise)}.qa-block summary{cursor:pointer;padding:.85rem 1.1rem;font-weight:600;font-size:.95rem;color:var(--fxm-ink);list-style-position:inside}.qa-block summary:hover{color:var(--fxm-brand)}.qa-block details[open] summary{border-bottom:1px solid var(--fxm-rule)}.qa-block details p{padding:.85rem 1.1rem;margin:0;font-size:.92rem;color:var(--fxm-ink)}
.fx-desknote{font-size:.85rem;color:var(--fxm-ink-mute);background:var(--fxm-paper-tint);border-left:3px solid var(--fxm-brand);padding:.75rem 1rem;border-radius:.24rem;margin:1.25rem 0;line-height:1.55}
.review-stamp{font-size:.8rem;color:var(--fxm-ink-mute);margin-top:1.55rem;padding-top:1.05rem;border-top:1px solid var(--fxm-rule)}
.next-reads{margin-top:2.05rem;padding:1.3rem;background:var(--fxm-paper-tint);border-radius:.42rem}
.next-reads h3{font-size:1.02rem;margin-bottom:.78rem}
.next-reads a{display:block;padding:.42rem 0;border-bottom:1px solid var(--fxm-rule);text-decoration:none;color:inherit}
.risk-disclaimer{margin-top:2.05rem;padding:1.3rem;background:rgba(153,15,61,.07);border:1px solid rgba(153,15,61,.16);border-radius:.42rem;font-size:.9rem}
.fx-article h1{font-size:2.05rem;font-weight:800;color:var(--fxm-ink);margin-bottom:1.55rem}
.fx-nomatch{max-width:712px;margin:3.75rem auto;padding:0 1.3rem;text-align:center}
.fx-nomatch h2{font-size:1.42rem;font-weight:400;margin-bottom:1.55rem;opacity:.8}
.fx-nomatch-links{text-align:left;max-width:408px;margin:0 auto}
.source-list{margin:2.45rem 0 1.05rem;padding:1.3rem 1.55rem;background:var(--fxm-paper-tint);border-radius:.42rem;font-size:.92rem}.source-list h2{font-size:1.12rem;margin:0 0 .62rem;padding:0;border:none}
.source-list ul{margin:0;padding-left:1.3rem;line-height:1.88}.source-list a{color:var(--fxm-brand)}
.byline-card{display:flex;gap:1.25rem;align-items:flex-start;background:var(--fxm-paper-tint);border:1px solid var(--fxm-rule);border-radius:.62rem;padding:1.25rem 1.5rem;margin:2rem 0}
.byline-card .byline-meta h3{font-size:.95rem;font-weight:700;color:var(--fxm-ink);margin-bottom:.25rem}
.byline-card .byline-meta p{font-size:.85rem;color:var(--fxm-ink-mute);line-height:1.5;margin:0}
.byline-card .byline-meta a{color:var(--fxm-brand);font-size:.85rem}
@media(max-width:600px){.byline-card{flex-direction:column;align-items:center;text-align:center}}
.jump-link:focus{position:fixed!important;left:16px!important;top:16px!important;opacity:1!important;pointer-events:auto!important;background:var(--fxm-brand)!important;color:#fff!important;z-index:9999;border-radius:.24rem;outline:2px solid var(--fxm-brand)}
.byline-strip{color:var(--fxm-ink-mute)}.byline-strip a{color:var(--fxm-brand)}.byline-strip a:hover{color:var(--fxm-brand-deep)}

a:focus-visible{outline:2px solid var(--fxm-brand);outline-offset:2px;border-radius:.12rem}
button:focus-visible{outline:2px solid var(--fxm-brand);outline-offset:2px}
@media print { .fx-topbar,.mnav-drawer,.nav-btn,.rail,.colophon,.lede-cta,.lede-flag{display:none!important} .fx-lede{min-height:auto!important;padding:20px 0} .lede-art{display:none} .lede-copy{position:static;color:#000;text-shadow:none} .fx-lede .lede-copy h1{color:#000} .fx-ledger{display:block} body{font-size:12pt;line-height:1.5;color:#000;background:#fff} a{color:#000;text-decoration:underline} img{max-width:100%} }