/* Layout: one 1120px column on Alpha black. Hairlines divide sections; gold marks what is live or matters most.
   One dark look by design: the Alpha logo only sits on black, so there is no light theme. */
:root {
  --bg: #040707;        /* Alpha black, the logo's own ground */
  --ink: #ffffff;       /* headlines and key numbers */
  --text: #e4e0d9;      /* running text, warm white (15:1 on --bg) */
  --muted: #a8a29a;     /* captions and fine print (7.9:1) */
  --gold: #c09f63;      /* Alpha gold: trim, labels, the 10-year line (8.1:1) */
  --gold-hi: #d6b981;   /* gold on hover */
  --line: #5f5c5b;      /* Alpha gray hairlines and the 2021 bars */
  --grid: #2b2928;      /* chart gridlines */
  --on-gold: #040707;   /* text set on gold */
  --font: "Montserrat", "Helvetica Neue", Arial, sans-serif;
  --wrap: 1120px;
  color-scheme: dark;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; background: var(--bg); }
body {
  margin: 0;
  background: var(--bg);
  color: var(--text);
  font-family: var(--font);
  font-size: 17px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; }
a { color: var(--gold); text-underline-offset: 3px; }
a:hover { color: var(--gold-hi); }
:focus-visible { outline: 2px solid var(--gold); outline-offset: 3px; }
.sr { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

.wrap {
  width: 100%;
  max-width: var(--wrap);
  margin-inline: auto;
  padding-left: max(16px, env(safe-area-inset-left, 0px));
  padding-right: max(16px, env(safe-area-inset-right, 0px));
}
@media (min-width: 720px) {
  .wrap {
    padding-left: max(40px, env(safe-area-inset-left, 0px));
    padding-right: max(40px, env(safe-area-inset-right, 0px));
  }
}

/* Header */
.site-header { border-bottom: 1px solid var(--line); }
.site-header .wrap {
  display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between;
  gap: 4px 32px; padding-block: 12px;
}
.brand { display: inline-flex; align-items: center; gap: 12px; min-height: 48px; color: var(--ink); text-decoration: none; }
.brand:hover { color: var(--ink); }
.brand img { width: 44px; height: 44px; display: block; }
.brand-name { display: block; font-size: 14px; font-weight: 600; letter-spacing: .16em; text-transform: uppercase; line-height: 1.3; }
.brand-firm { display: block; font-size: 11px; font-weight: 600; letter-spacing: .16em; text-transform: uppercase; line-height: 1.4; color: var(--gold); }
.nav { display: flex; flex-wrap: wrap; column-gap: 24px; }
.nav a {
  display: inline-block; padding-block: 12px;
  font-size: 13px; font-weight: 600; letter-spacing: .12em; text-transform: uppercase;
  color: var(--text); text-decoration: none; border-bottom: 2px solid transparent;
}
.nav a:hover { color: var(--ink); }
.nav a[aria-current="page"] { color: var(--ink); border-bottom-color: var(--gold); }
@media (max-width: 480px) {
  .nav { column-gap: 16px; }
  .nav a { font-size: 12px; letter-spacing: .1em; }
}

/* Type */
h1, h2, h3 { margin: 0; color: var(--ink); text-wrap: balance; }
.eyebrow { margin: 0; font-size: 13px; font-weight: 600; letter-spacing: .16em; text-transform: uppercase; line-height: 1.4; color: var(--gold); }
.h-display { font-size: clamp(40px, 7.2vw, 80px); font-weight: 500; letter-spacing: .06em; text-transform: uppercase; line-height: 1.04; }
.h-page { font-size: clamp(34px, 5vw, 56px); font-weight: 600; letter-spacing: -.01em; line-height: 1.1; }
.h-section { font-size: clamp(26px, 3.2vw, 36px); font-weight: 600; line-height: 1.2; }
.h-card { font-size: clamp(20px, 2.2vw, 24px); font-weight: 600; line-height: 1.3; }
.lede { margin: 0; max-width: 60ch; font-size: clamp(18px, 1.6vw, 20px); line-height: 1.6; color: var(--text); }
.muted { color: var(--muted); }
.fine { margin: 0; max-width: 80ch; font-size: 13px; line-height: 1.6; color: var(--muted); }
.stack { display: grid; gap: 14px; justify-items: start; min-width: 0; }

/* Buttons */
.actions { display: flex; flex-wrap: wrap; gap: 12px; }
.btn {
  display: inline-flex; align-items: center; justify-content: center; min-height: 48px; padding-inline: 24px;
  border: 1px solid var(--gold); font: 600 13px/1 var(--font); letter-spacing: .14em; text-transform: uppercase; text-decoration: none;
  transition: background-color .15s, color .15s, border-color .15s;
}
.btn-gold { background: var(--gold); color: var(--on-gold); }
.btn-gold:hover { background: var(--gold-hi); border-color: var(--gold-hi); color: var(--on-gold); }
.btn-line { background: transparent; color: var(--ink); }
.btn-line:hover { background: var(--gold); color: var(--on-gold); }
.more { font-size: 13px; font-weight: 600; letter-spacing: .12em; text-transform: uppercase; text-decoration: none; white-space: nowrap; }

/* Sections */
.band { border-top: 1px solid var(--line); padding-block: clamp(56px, 8vw, 96px); }
.band-head { display: flex; flex-wrap: wrap; align-items: end; justify-content: space-between; gap: 16px 32px; margin-bottom: 32px; }
.page-head { padding-block: clamp(48px, 7vw, 88px) clamp(32px, 4vw, 48px); }
.page-head .stack { gap: 18px; }

/* Hero */
.hero .wrap {
  display: grid; grid-template-columns: minmax(0, 1fr) auto; align-items: center;
  gap: 32px 56px; padding-block: clamp(48px, 8vw, 104px);
}
.hero-copy { display: grid; gap: 22px; justify-items: start; min-width: 0; }
.hero-role { margin: 0; font-size: 14px; font-weight: 600; letter-spacing: .12em; text-transform: uppercase; color: var(--text); }
.hero-note { margin: -6px 0 0; font-size: 15px; color: var(--muted); }
.hero-logo { width: clamp(220px, 28vw, 340px); }
.hero-logo img { display: block; width: 100%; }
@media (max-width: 760px) {
  .hero .wrap { grid-template-columns: minmax(0, 1fr); }
  .hero-logo { order: -1; width: 168px; margin-left: -22px; }
}

/* Live stamp and notices */
.stamp { display: inline-flex; align-items: center; gap: 10px; font-size: 13px; color: var(--muted); }
.stamp::before { content: ""; width: 8px; height: 8px; border-radius: 50%; background: var(--gold); flex: none; }
.notice { margin: 0 0 24px; padding: 14px 18px; border: 1px solid var(--line); font-size: 14px; line-height: 1.6; color: var(--text); }

/* Rate tiles: gold hairlines between cells come from the 1px gap over a gold ground */
.rates { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 1px; background: var(--gold); border: 1px solid var(--gold); }
.rates-6 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.rate { background: var(--bg); padding: 22px 24px 24px; display: flex; flex-direction: column; gap: 6px; min-width: 0; }
.rate-name { font-size: 12px; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; color: var(--gold); line-height: 1.4; }
.rate-value { font-size: clamp(22px, 2.6vw, 32px); font-weight: 600; letter-spacing: -.01em; line-height: 1.15; color: var(--ink); font-variant-numeric: tabular-nums; white-space: nowrap; }
.rates-6 .rate-value { font-size: clamp(28px, 3vw, 40px); }
.rate-asof { font-size: 13px; line-height: 1.5; color: var(--muted); }
.rate-moves { display: flex; flex-wrap: wrap; gap: 2px 18px; font-size: 14px; color: var(--ink); font-variant-numeric: tabular-nums; }
.rate-moves .muted { font-size: 12px; letter-spacing: .08em; text-transform: uppercase; margin-right: 4px; }
.rate-drives { margin: 6px 0 0; font-size: 14px; line-height: 1.55; color: var(--text); }
.rate-source { margin-top: auto; padding-top: 10px; font-size: 12px; letter-spacing: .06em; }
.rate-pending .rate-value { color: var(--muted); }
@media (max-width: 900px) {
  .rates, .rates-6 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (max-width: 560px) {
  .rates-6 { grid-template-columns: minmax(0, 1fr); }
  .rates:not(.rates-6) { grid-template-columns: minmax(0, 1fr); }
  .rates:not(.rates-6) .rate { display: grid; grid-template-columns: minmax(0, 1fr) auto; align-items: center; column-gap: 16px; padding: 16px 18px; }
  .rates:not(.rates-6) .rate-value { grid-column: 2; grid-row: 1 / span 2; }
}
.rates-foot { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 8px 24px; margin-top: 16px; }

/* What I do */
.focus { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 40px 32px; }
.focus article { border-top: 2px solid var(--gold); padding-top: 20px; display: grid; gap: 10px; align-content: start; min-width: 0; }
.focus h3 { font-size: 18px; font-weight: 600; line-height: 1.35; }
.focus p { margin: 0; font-size: 15px; line-height: 1.6; }
@media (max-width: 960px) { .focus { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 560px) { .focus { grid-template-columns: minmax(0, 1fr); } }

/* Who I work with */
.split { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 40px 72px; align-items: start; }
@media (max-width: 860px) { .split { grid-template-columns: minmax(0, 1fr); } }
.facts { display: grid; }
.fact { display: grid; gap: 2px; padding-block: 20px; border-bottom: 1px solid var(--line); }
.fact:first-child { border-top: 1px solid var(--line); }
.fact-num { font-size: clamp(28px, 3.2vw, 38px); font-weight: 600; line-height: 1.15; color: var(--ink); font-variant-numeric: tabular-nums; }
.fact-label { font-size: 15px; color: var(--text); }

/* Monthly review */
.review-card {
  display: grid; gap: 14px; justify-items: start; padding: clamp(24px, 4vw, 44px);
  border: 1px solid var(--gold); color: var(--text); text-decoration: none;
}
.review-card:hover { color: var(--text); }
.review-card:hover .h-card { text-decoration: underline; text-decoration-color: var(--gold); text-decoration-thickness: 2px; }
.review-meta { font-size: 13px; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; color: var(--gold); }
.review-sum { margin: 0; max-width: 64ch; }
.read { font-size: 13px; font-weight: 600; letter-spacing: .12em; text-transform: uppercase; color: var(--gold); }
.review-list { display: grid; border-top: 1px solid var(--line); }
.review-row {
  display: grid; grid-template-columns: 200px minmax(0, 1fr); gap: 8px 40px; padding-block: 28px;
  border-bottom: 1px solid var(--line); color: var(--text); text-decoration: none;
}
.review-row:hover { color: var(--text); }
.review-row:hover .h-card { text-decoration: underline; text-decoration-color: var(--gold); text-decoration-thickness: 2px; }
.review-row .stack { gap: 10px; }
@media (max-width: 640px) { .review-row { grid-template-columns: minmax(0, 1fr); } }

/* Contact */
.contact { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1.6fr) minmax(0, 1fr); gap: 1px; background: var(--line); border: 1px solid var(--line); }
.contact-item { background: var(--bg); padding: 24px; display: grid; gap: 8px; align-content: start; min-width: 0; }
.contact-value { font-size: clamp(16px, 1.8vw, 21px); font-weight: 600; color: var(--ink); text-decoration: none; overflow-wrap: anywhere; }
a.contact-value:hover { color: var(--gold-hi); }
@media (max-width: 760px) { .contact { grid-template-columns: minmax(0, 1fr); } }

/* Recap */
.recap { display: grid; gap: 14px; margin: 0; padding: 0; list-style: none; max-width: 68ch; }
.recap li { position: relative; padding-left: 24px; }
.recap li::before { content: ""; position: absolute; left: 0; top: .78em; width: 12px; height: 2px; background: var(--gold); }

/* Chart */
.legend { display: flex; flex-wrap: wrap; gap: 8px 24px; font-size: 14px; color: var(--text); }
.legend span { display: inline-flex; align-items: center; gap: 10px; }
.legend i { display: inline-block; width: 22px; height: 3px; }
.key-t10 { background: var(--gold); }
.key-sofr { background: var(--ink); }
.chart { position: relative; margin-top: 20px; }
.chart svg { display: block; width: 100%; height: auto; overflow: visible; touch-action: pan-y; }
.chart svg:focus-visible { outline: 2px solid var(--gold); outline-offset: 6px; }
.chart text { font-family: var(--font); font-size: 12px; fill: var(--muted); font-variant-numeric: tabular-nums; }
.chart .grid { stroke: var(--grid); stroke-width: 1; fill: none; }
.chart .axis { stroke: var(--line); stroke-width: 1; fill: none; }
.chart .line { fill: none; stroke-width: 2; stroke-linejoin: round; stroke-linecap: round; }
.chart .line-t10 { stroke: var(--gold); }
.chart .line-sofr { stroke: var(--ink); }
.chart .end-t10 { fill: var(--gold); font-weight: 600; font-size: 13px; }
.chart .end-sofr { fill: var(--ink); font-weight: 600; font-size: 13px; }
.chart .cross { stroke: var(--muted); stroke-width: 1; stroke-dasharray: 3 3; fill: none; }
.chart .dot-t10 { fill: var(--gold); stroke: var(--bg); stroke-width: 2; }
.chart .dot-sofr { fill: var(--ink); stroke: var(--bg); stroke-width: 2; }
.chart .hit { fill: transparent; cursor: crosshair; }
.tip {
  position: absolute; top: 0; z-index: 2; pointer-events: none; min-width: 170px;
  padding: 10px 12px; background: var(--bg); border: 1px solid var(--gold);
  font-size: 13px; line-height: 1.55; color: var(--text); white-space: nowrap; font-variant-numeric: tabular-nums;
}
.tip b { color: var(--ink); font-weight: 600; }
.chart-empty { margin: 20px 0 0; padding: 32px 24px; border: 1px dashed var(--line); color: var(--muted); font-size: 15px; }
details { margin-top: 20px; }
summary { cursor: pointer; padding-block: 12px; font-size: 13px; font-weight: 600; letter-spacing: .12em; text-transform: uppercase; color: var(--gold); }
.table-wrap { overflow-x: auto; }
table { border-collapse: collapse; min-width: 420px; font-variant-numeric: tabular-nums; }
th, td { padding: 10px 20px; border-bottom: 1px solid var(--line); text-align: right; font-size: 14px; }
th:first-child, td:first-child { padding-left: 0; text-align: left; }
th { font-size: 12px; font-weight: 600; letter-spacing: .12em; text-transform: uppercase; color: var(--gold); }

/* Review article */
.article { max-width: 780px; display: grid; gap: 28px; }
.article p { margin: 0; font-size: 18px; line-height: 1.75; color: var(--text); }
.byline { display: flex; flex-wrap: wrap; gap: 4px 20px; font-size: 13px; font-weight: 600; letter-spacing: .12em; text-transform: uppercase; color: var(--muted); }
.figure { margin: 8px 0; display: grid; gap: 14px; }
.figure-title { font-size: 13px; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; color: var(--gold); }
.compare { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1px; background: var(--gold); border: 1px solid var(--gold); }
.compare > div { background: var(--bg); padding: 24px 28px; display: grid; gap: 4px; min-width: 0; }
.compare .big { font-size: clamp(32px, 6vw, 56px); font-weight: 600; letter-spacing: -.01em; line-height: 1.08; color: var(--ink); font-variant-numeric: tabular-nums; white-space: nowrap; }
.compare .now .big { color: var(--gold); }
.compare .cap { font-size: 14px; color: var(--text); }
.bars { display: grid; gap: 14px; }
.bar-row { display: grid; grid-template-columns: 64px minmax(0, 1fr) 72px; align-items: center; gap: 16px; }
.bar-label { font-size: 12px; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; color: var(--ink); }
.bar-track { display: flex; gap: 2px; height: 32px; }
.bar-base { background: var(--line); flex: none; }
.bar-extra { background: var(--gold); flex: 1 1 auto; }
.bar-value { font-weight: 600; color: var(--ink); text-align: right; font-variant-numeric: tabular-nums; }
.callout { display: flex; flex-wrap: wrap; align-items: center; gap: 8px 24px; }
.callout .big { font-size: clamp(44px, 7vw, 64px); font-weight: 600; letter-spacing: -.02em; line-height: 1; color: var(--gold); }
.callout p { flex: 1 1 260px; font-size: 17px; line-height: 1.6; }
.equation { border-top: 1px solid var(--line); }
.eq-row {
  display: grid; grid-template-columns: 32px minmax(0, 1fr) auto; align-items: center; gap: 12px;
  padding: 14px 18px; border-bottom: 1px solid var(--line); font-size: 17px; font-weight: 500; color: var(--ink);
}
.eq-op { font-size: 22px; line-height: 1; color: var(--gold); }
.eq-row.hl { background: var(--gold); color: var(--on-gold); border-bottom-color: var(--gold); font-weight: 600; }
.eq-row.hl .eq-op { color: var(--on-gold); }
.eq-note { font-size: 13px; font-weight: 600; }
.eq-row.no-line { border-bottom: 0; }
.eq-row.total { border-top: 2px solid var(--gold); border-bottom: 0; font-size: 19px; font-weight: 600; }
@media (max-width: 480px) {
  .eq-row { grid-template-columns: 24px minmax(0, 1fr); }
  .eq-note { grid-column: 2; }
}

/* Footer */
.site-footer { border-top: 1px solid var(--gold); }
.site-footer .wrap { display: grid; grid-template-columns: auto minmax(0, 1fr); gap: 24px 56px; align-items: start; padding-block: 48px 56px; }
.footer-logo { width: 150px; margin: -16px 0 0 -20px; display: block; }
.footer-body { display: grid; gap: 14px; min-width: 0; }
.footer-id { margin: 0; font-size: 15px; font-weight: 500; line-height: 1.6; color: var(--ink); }
.footer-nav { display: flex; flex-wrap: wrap; column-gap: 20px; }
.footer-nav a { display: inline-block; padding-block: 8px; font-size: 12px; font-weight: 600; letter-spacing: .12em; text-transform: uppercase; color: var(--text); text-decoration: none; }
.footer-nav a:hover { color: var(--ink); }
.license { color: var(--gold); }
@media (max-width: 640px) { .site-footer .wrap { grid-template-columns: minmax(0, 1fr); } }

@media (prefers-reduced-motion: reduce) { * { transition: none !important; } }