/* BorealMoney design system: preview A's fintech gloss, restrained to the
   register Wealthsimple uses. White ground, one brand colour (blue), one
   action colour (orange) that appears only on action buttons, Poppins for
   display and numbers, Inter for text. Cards with radius and soft shadow
   carry the products; the full tables remain below them as the record.
   No badges, no stickers, no superlatives: the figures are the claim. */
:root{
 --blue:#0066ff; --blue-dark:#0047b3;
 --ink:#0a1f44; --ink-2:#3d4f73; --ink-3:#71809f;
 --sky:#f4f9ff; --sky-2:#d8e9ff; --paper:#ffffff; --line:#e2eaf6;
 --action:#ff5a1f; --action-dark:#e04a12;
 --amber:#8a6100; --amber-bg:#fdf6e0;
 --display:'Poppins',system-ui,-apple-system,'Segoe UI',sans-serif;
 --sans:'Inter',system-ui,-apple-system,'Segoe UI',Helvetica,Arial,sans-serif;
 --radius:20px;
 --shadow:0 10px 30px rgba(10,31,68,.10), 0 2px 6px rgba(10,31,68,.06);
 --shadow-sm:0 2px 8px rgba(10,31,68,.05);
 --shadow-lg:0 24px 60px rgba(10,31,68,.16), 0 4px 12px rgba(10,31,68,.08);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--sans);color:var(--ink);background:var(--paper);font-size:16px;line-height:1.55;-webkit-font-smoothing:antialiased}
h1,h2,h3,.display{font-family:var(--display);line-height:1.15;letter-spacing:-.01em}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:1140px;margin:0 auto;padding:0 20px}
.btn{display:inline-flex;align-items:center;gap:8px;background:var(--action);color:#fff;font-weight:600;font-size:16px;padding:14px 26px;border-radius:999px;border:0;cursor:pointer;font-family:var(--sans)}
.btn:hover{background:var(--action-dark);text-decoration:none}
.go{font-weight:600;font-size:15px;color:var(--blue)}
.kicker{font-family:var(--display);font-weight:600;font-size:12.5px;letter-spacing:.14em;text-transform:uppercase;color:var(--blue);margin:0 0 10px}
/* header */
header.site{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.94);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.header-in{max-width:1140px;margin:0 auto;padding:13px 20px;display:flex;align-items:center;gap:26px}
.logo{font-family:var(--display);font-weight:800;font-size:23px;color:var(--ink);letter-spacing:-.02em;line-height:1.05}
.logo:hover{text-decoration:none}
.logo .dot{color:var(--blue)}
.logo small{display:block;font-family:var(--sans);font-weight:600;font-size:9px;letter-spacing:.22em;color:var(--ink-2);text-transform:uppercase;margin-top:2px}
nav.main{display:none;gap:20px;margin-left:auto}
nav.main a{color:var(--ink);font-weight:500;font-size:14.5px;white-space:nowrap}
nav.main a:hover{color:var(--blue);text-decoration:none}
.header-cta{margin-left:auto;padding:10px 18px;font-size:14px}
@media(min-width:1020px){nav.main{display:flex}.header-cta{margin-left:0}}
/* main frame */
main{max-width:1140px;margin:0 auto;padding:34px 20px 12px}
main > .kicker{margin-bottom:12px}
h1{font-size:clamp(30px,4.6vw,44px);font-weight:700;margin:0 0 12px}
main h1 + p{font-size:17.5px;line-height:1.55;color:var(--ink-2);max-width:46em}
h2{font-size:clamp(23px,3.4vw,31px);font-weight:700;margin:46px 0 10px}
h3{font-size:18.5px;font-weight:600;margin:24px 0 6px;line-height:1.3}
p{margin:10px 0;max-width:62em}
hr{border:0;border-top:1px solid var(--line);margin:30px 0}
blockquote{border-left:3px solid var(--blue);margin:18px 0;padding:2px 0 2px 16px;color:var(--ink-2)}
code{font-family:ui-monospace,SFMono-Regular,Menlo,monospace;font-size:.88em;background:var(--sky);padding:1px 5px;border-radius:5px}
ul,ol{margin:10px 0 10px 22px}
li{margin:5px 0}
ul.tight li{margin:4px 0}
/* hero */
.hero{position:relative;overflow:hidden;background:linear-gradient(180deg,#f4f9ff 0%,#ffffff 90%);margin:-34px -20px 0;padding:0 20px}
.hero-art{position:absolute;inset:0;pointer-events:none;width:100%;height:100%}
.hero-in{position:relative;display:grid;gap:34px;padding:46px 0 54px;max-width:1140px;margin:0 auto}
@media(min-width:920px){.hero-in{grid-template-columns:1.05fr .95fr;align-items:center;padding:62px 0 70px}}
.hero h1{font-size:clamp(38px,6vw,56px);font-weight:800;margin:12px 0 16px}
.hero h1 .hl{color:var(--blue)}
.hero p.lede{font-size:clamp(16.5px,2.3vw,19px);color:var(--ink-2);max-width:34em;margin:0 0 26px}
.hero-actions{display:flex;flex-wrap:wrap;gap:14px;align-items:center}
.hero-link{font-weight:600;font-size:16px;color:var(--blue);border-bottom:2px solid var(--sky-2);padding-bottom:2px}
.hero-link:hover{border-color:var(--blue);text-decoration:none}
.hero-note{margin-top:18px;font-size:13.5px;color:var(--ink-2)}
.hero-note strong{color:var(--ink)}
.hero-cards{position:relative;display:grid;gap:14px}
.hero-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:22px 24px}
.hero-card.main{box-shadow:var(--shadow-lg);padding:28px}
.hero-card .term{font-weight:600;font-size:15px;color:var(--ink-2)}
.hero-card .rate{font-family:var(--display);font-weight:800;font-size:clamp(50px,8.6vw,72px);line-height:1.02;color:var(--ink);letter-spacing:-.02em;margin:4px 0 2px}
.hero-card .rate sup{font-size:.38em;font-weight:700;color:var(--blue);top:-.9em;position:relative}
.hero-card .src{font-size:13px;color:var(--ink-2);margin-top:8px}
.hero-card .src strong{color:var(--ink);font-weight:600}
.hero-mini{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.hero-mini .hero-card{padding:18px 20px}
.hero-mini .rate{font-size:clamp(29px,4.8vw,38px)}
.hero-mini .term{font-size:13.5px}
/* bands and strips */
.outcomes{background:var(--blue);color:#fff;margin:0 -20px;padding:0 20px}
.outcomes-in{max-width:1140px;margin:0 auto;display:grid;gap:8px;padding:20px 0}
@media(min-width:760px){.outcomes-in{grid-template-columns:repeat(3,1fr);gap:22px}}
.outcomes .o{font-size:15px;color:#dbe9ff;margin:0}
.outcomes .o strong{display:block;font-family:var(--display);font-size:21px;color:#fff}
.sources{border-bottom:1px solid var(--line);margin:0 -20px;padding:0 20px}
.sources-in{max-width:1140px;margin:0 auto;display:flex;flex-wrap:wrap;gap:10px 26px;align-items:center;padding:16px 0;font-size:14px;color:var(--ink-2)}
.sources-in .lbl{font-family:var(--display);font-weight:600;font-size:11.5px;letter-spacing:.13em;text-transform:uppercase;color:var(--ink-2)}
.wordmark{font-family:var(--display);font-weight:700;font-size:15.5px;color:var(--ink)}
.wordmark.light{font-weight:500;color:var(--ink-2)}
/* sections */
section.block{padding:52px 0 8px}
section.block.tint{background:var(--sky);margin:0 -20px;padding-left:20px;padding-right:20px}
section.block.tint > .wrap{max-width:1140px;margin:0 auto}
.sec-head{max-width:46em;margin-bottom:26px}
.sec-head h2{margin:8px 0 10px}
.sec-head p{color:var(--ink-2);font-size:16.5px;margin:0}
/* doors */
.doors{display:grid;gap:14px}
@media(min-width:640px){.doors{grid-template-columns:1fr 1fr}}
@media(min-width:980px){.doors{grid-template-columns:repeat(3,1fr)}}
.door{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow-sm);display:flex;flex-direction:column;gap:8px}
.door .icon{width:46px;height:46px;border-radius:14px;background:var(--sky);display:flex;align-items:center;justify-content:center}
.door h3{font-size:18px;font-weight:600;margin:0}
.door p{color:var(--ink-2);font-size:15px;flex:1;margin:0}
.door .go{font-size:15px}
/* rate rows and lead cards */
.rate-list{display:grid;gap:12px}
.rate-row{background:#fff;border:1px solid var(--line);border-radius:16px;padding:18px 20px;display:grid;grid-template-columns:1fr auto;gap:4px 16px;align-items:center;box-shadow:var(--shadow-sm)}
.rate-row .what{font-weight:600;font-size:16.5px}
.rate-row .who{grid-column:1;font-size:13.5px;color:var(--ink-2)}
.rate-row .who strong{color:var(--ink);font-weight:600}
.rate-row .big{font-family:var(--display);font-weight:700;font-size:34px;grid-row:1 / span 2;align-self:center;letter-spacing:-.01em;font-variant-numeric:tabular-nums}
.rate-row .go{grid-column:1;font-size:14px}
.lead-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:24px 26px;margin:18px 0;display:grid;gap:4px}
.lead-card .term{font-weight:600;font-size:15px;color:var(--ink-2)}
.lead-card .rate{font-family:var(--display);font-weight:800;font-size:clamp(42px,7vw,58px);line-height:1.02;letter-spacing:-.02em;font-variant-numeric:tabular-nums}
.lead-card .rate sup{font-size:.38em;font-weight:700;color:var(--blue);top:-.9em;position:relative}
.lead-card .src{font-size:13.5px;color:var(--ink-2)}
.lead-card .src strong{color:var(--ink);font-weight:600}
.lead-card .cond{font-size:14px;color:var(--ink-2);max-width:44em}
.highs{display:grid;gap:14px;margin-top:14px}
@media(min-width:760px){.highs{grid-template-columns:1fr 1fr}}
.high-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow-sm);padding:24px}
.high-card .term{font-weight:600;font-size:14.5px;color:var(--ink-2)}
.high-card .rate{font-family:var(--display);font-weight:800;font-size:50px;line-height:1.05;letter-spacing:-.02em;font-variant-numeric:tabular-nums}
.high-card .rate sup{font-size:.38em;font-weight:700;color:var(--blue);top:-.9em;position:relative}
.high-card .src{font-size:13.5px;color:var(--ink-2);margin-top:6px}
.high-card .src strong{color:var(--ink);font-weight:600}
.high-card .go{display:inline-block;margin-top:12px}
.fineprint{margin-top:16px;font-size:13.5px;color:var(--ink-2);max-width:56em}
/* numbers band */
.numbers{background:var(--ink);color:#fff;margin:52px -20px 0;padding:52px 20px 46px}
.numbers > .wrap{max-width:1140px;margin:0 auto}
.numbers h2{color:#fff;margin-top:8px}
.numbers .kicker{color:#5ea0ff}
.numbers .grid{display:grid;grid-template-columns:repeat(2,1fr);gap:26px 18px;padding-top:10px}
@media(min-width:860px){.numbers .grid{grid-template-columns:repeat(3,1fr)}}
.numbers .n{font-family:var(--display);font-weight:800;font-size:clamp(33px,5.2vw,45px);letter-spacing:-.01em;font-variant-numeric:tabular-nums}
.numbers .n span{color:#5ea0ff}
.numbers .lbl{color:#b9c8e4;font-size:14px;margin-top:2px}
/* catalogue */
.catalogue{display:grid;gap:12px}
@media(min-width:640px){.catalogue{grid-template-columns:1fr 1fr}}
@media(min-width:980px){.catalogue{grid-template-columns:repeat(3,1fr)}}
.cat{background:#fff;border:1px solid var(--line);border-radius:16px;padding:20px;display:flex;flex-direction:column;gap:4px;box-shadow:var(--shadow-sm)}
.cat h3{font-size:16.5px;font-weight:600;margin:0}
.cat .size{font-family:var(--display);font-weight:700;font-size:21px;color:var(--blue)}
.cat p{font-size:14px;color:var(--ink-2);flex:1;margin:0}
.cat .when{font-size:12.5px;color:var(--ink-2)}
.cc-art{height:64px;border-radius:10px;background:linear-gradient(130deg,#0066ff,#00b4d8);position:relative;margin-bottom:10px}
.cc-art::after{content:"";position:absolute;left:14px;top:14px;width:30px;height:21px;border-radius:5px;background:linear-gradient(140deg,#ffe066,#e9a13b)}
.cc-art span{position:absolute;left:14px;bottom:10px;color:#fff;font-family:var(--display);font-weight:700;font-size:12px;letter-spacing:.14em}
/* honesty and byline */
.honesty{display:grid;gap:14px}
@media(min-width:860px){.honesty{grid-template-columns:repeat(3,1fr)}}
.honest{background:#fff;border:1px solid var(--line);border-radius:16px;padding:22px;box-shadow:var(--shadow-sm)}
.honest h3{font-size:17px;font-weight:600;margin:0 0 8px}
.honest p{font-size:15px;color:var(--ink-2);margin:0}
.byline{display:flex;gap:18px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:16px;padding:22px;margin-top:14px;box-shadow:var(--shadow-sm)}
.byline .avatar{flex:none;border-radius:50%}
.byline h3{font-size:16.5px;font-weight:600;margin:0 0 5px}
.byline p{font-size:14.5px;color:var(--ink-2);margin:0}
.money-note{margin-top:14px;background:#fff;border:1px solid var(--line);border-left:5px solid var(--blue);border-radius:12px;padding:18px 22px;font-size:15px;color:var(--ink-2)}
.money-note strong{color:var(--ink)}
/* tables: the full record, below the cards */
.twrap{overflow-x:auto;margin:16px 0 30px;background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow-sm)}
table{border-collapse:collapse;width:100%;font-family:var(--sans);font-size:15px;line-height:1.5}
thead th{font-size:11.5px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--ink-2);text-align:left;padding:12px 14px;border-bottom:2px solid var(--sky-2);vertical-align:bottom;background:var(--sky)}
tbody td{padding:9px 14px;border-bottom:1px solid var(--line);vertical-align:top}
tbody tr:last-child td{border-bottom:0}
tbody th{font-family:var(--sans);font-size:12px;font-weight:700;letter-spacing:.07em;text-transform:uppercase;color:var(--ink-2);text-align:left;padding:9px 14px;border-bottom:1px solid var(--line);vertical-align:top;width:230px}
td.num,th.num{text-align:right;font-variant-numeric:tabular-nums}
td.num strong{font-size:16.5px;font-weight:700}
.src{font-family:var(--sans);font-size:12.5px;line-height:1.5;color:var(--ink-2)}
.gap{color:var(--amber);font-style:italic}
.promo{font-family:var(--sans);font-size:10.5px;font-weight:700;letter-spacing:.07em;text-transform:uppercase;color:var(--amber);background:var(--amber-bg);border-radius:999px;padding:2px 8px;white-space:nowrap}
.chart{background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow-sm);padding:14px 16px 8px;margin:16px 0 8px}
.chart svg{width:100%;height:auto;display:block}
.chart text{font-family:var(--sans);font-size:11px;fill:var(--ink-2)}
.chart .axis{stroke:var(--line);stroke-width:1}
.chart .line{fill:none;stroke:var(--blue);stroke-width:1.8}
.card{background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow-sm);padding:20px 22px 16px;margin:16px 0}
.card h3{margin-top:0}
dl.fees{margin:6px 0}
dl.fees dt{font-family:var(--sans);font-size:11.5px;font-weight:700;letter-spacing:.09em;text-transform:uppercase;color:var(--ink-2);margin-top:16px}
dl.fees dd{margin:3px 0 0 0;font-size:16px}
.stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:14px;margin:18px 0}
.stat{background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow-sm);padding:16px 18px}
.stat .n{display:block;font-family:var(--display);font-size:31px;font-weight:800;line-height:1.05;color:var(--ink);font-variant-numeric:tabular-nums}
.stat .l{display:block;font-family:var(--sans);font-size:11.5px;letter-spacing:.09em;text-transform:uppercase;color:var(--ink-2);margin-top:5px}
/* calculators */
.calc{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:24px 26px 18px;margin:20px 0}
.calc .grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(215px,1fr));gap:16px 22px}
.calc label{font-family:var(--sans);font-size:12px;font-weight:700;letter-spacing:.07em;text-transform:uppercase;color:var(--ink-2);display:block}
.calc input,.calc select{font-family:var(--sans);font-size:16px;color:var(--ink);width:100%;padding:10px 12px;margin-top:5px;border:1px solid #cfddf2;border-radius:10px;background:#fff}
.calc input:focus,.calc select:focus{outline:2px solid var(--blue);outline-offset:0;border-color:var(--blue)}
.calc .hint{font-family:var(--sans);font-size:12.5px;font-weight:400;letter-spacing:0;text-transform:none;color:var(--ink-3);display:block;margin-top:4px}
.calc .out{border-top:1px solid var(--line);margin-top:20px;padding-top:14px;overflow-x:auto}
.calc .out table{font-size:14.5px}
.calc .big{font-family:var(--display);font-size:28px;font-weight:800;color:var(--ink);font-variant-numeric:tabular-nums}
.calc .row{display:flex;justify-content:space-between;gap:18px;padding:6px 0;border-bottom:1px solid var(--line);font-size:15.5px}
.calc .row span:last-child{font-variant-numeric:tabular-nums;text-align:right;white-space:nowrap}
.calc .verdict{font-size:18.5px;font-weight:600;font-family:var(--display)}
details{margin:12px 0}
summary{cursor:pointer;font-family:var(--display);font-size:13.5px;font-weight:600;letter-spacing:.04em;text-transform:uppercase;color:var(--blue)}
/* subscribe slot and referral slot */
.subscribe{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow-sm);padding:24px 26px;margin:28px 0}
.subscribe h3{font-size:19px;font-weight:600;margin:0 0 6px}
.subscribe p{color:var(--ink-2);font-size:15px;margin:0 0 14px;max-width:40em}
.subscribe form{display:flex;gap:10px;flex-wrap:wrap}
.subscribe input{flex:1 1 230px;font-family:var(--sans);font-size:16px;color:var(--ink);padding:12px 14px;border:1px solid #cfddf2;border-radius:10px;background:#fff}
.subscribe .btn{padding:12px 22px;font-size:15px}
footer.site .subscribe{background:#12294f;border-color:#2b4472;box-shadow:none;color:#fff;margin:26px 0 0}
footer.site .subscribe p{color:#c7d3ea}
footer.site .subscribe input{background:#0a1f44;border-color:#2b4472;color:#fff}
.affil{font-size:13.5px;color:var(--ink-2);border-top:1px solid var(--line);padding-top:10px;margin-top:12px}
.affil a{font-weight:600}
/* footer */
footer.site{background:var(--ink);color:#c7d3ea;margin-top:64px}
.foot-in{max-width:1140px;margin:0 auto;padding:48px 20px 40px}
footer.site .logo{color:#fff}
footer.site .logo .dot{color:#5ea0ff}
footer.site .foot-note{font-size:14px;max-width:58em;margin-top:14px;color:#c7d3ea}
footer.site a{color:#8db4ff;font-weight:500}
.foot-links{display:flex;flex-wrap:wrap;gap:8px 24px;margin-top:20px;font-size:14.5px}
.network{border-top:1px solid #2b4472;margin-top:30px;padding-top:24px}
.nethead{font-family:var(--display);font-size:11.5px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:#8db4ff;margin:0}
.netintro{font-size:15px;color:#c7d3ea;max-width:760px;margin:8px 0 4px}
.net-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(215px,1fr));gap:10px 26px;margin-top:12px}
.net-item{border-top:1px solid #2b4472;padding-top:12px}
.net-item .nm{font-family:var(--display);font-size:19px;font-weight:700;color:#fff;margin:0}
.net-item .nm a{color:#fff;text-decoration:none}
.net-item .nm a:hover{text-decoration:underline}
.net-item p{font-size:14px;line-height:1.5;color:#b9c8e4;margin:5px 0}
.net-item .soon{font-family:var(--sans);font-size:10.5px;font-weight:700;letter-spacing:.13em;text-transform:uppercase;color:#8db4ff}
.colophon{border-top:1px solid #2b4472;margin-top:28px;padding-top:16px;font-family:var(--sans);font-size:12.5px;line-height:1.55;color:#8fa5c9}
@media (max-width:680px){
 h1{font-size:28px}
 main h1 + p{font-size:16.5px}
 main{padding:24px 16px 8px}
 .hero{margin:-24px -16px 0;padding:0 16px}
 .outcomes,.sources,.numbers{margin-left:-16px;margin-right:-16px;padding-left:16px;padding-right:16px}
 section.block.tint{margin:0 -16px;padding-left:16px;padding-right:16px}
 tbody th{width:auto}
 .byline{flex-direction:column}
}
@media print{
 header.site,nav.main{display:none}
 body{background:#fff;font-size:12pt}
 main,footer.site .foot-in{max-width:none}
}