.mrm-ibond-lab{--navy:#12304a;--blue:#1769aa;--blue2:#eaf4fb;--gold:#d7a72c;--ink:#1f2937;--muted:#5f6b76;--line:#d9e2ea;--ok:#217a4b;--warn:#9a6700;--bad:#a61b1b;font-family:Arial,Helvetica,sans-serif;color:var(--ink);max-width:820px;margin:28px auto;border:1px solid var(--line);border-radius:18px;background:#fff;box-shadow:0 12px 34px rgba(18,48,74,.09);overflow:hidden;container-type:inline-size}
.mrm-ibond-lab *{box-sizing:border-box}.mrm-ibond-lab button,.mrm-ibond-lab input{font:inherit}.mrm-ibond-lab__hero{padding:24px;background:linear-gradient(135deg,#f7fbfe 0%,#edf5fa 100%);border-bottom:1px solid var(--line)}
.mrm-ibond-lab__eyebrow{font-size:.78rem;letter-spacing:.08em;text-transform:uppercase;color:var(--blue);font-weight:800;margin:0 0 7px}.mrm-ibond-lab h3{margin:0;color:var(--navy);font-size:1.55rem;line-height:1.2}.mrm-ibond-lab__sub{margin:8px 0 0;color:var(--muted);line-height:1.55}
.mrm-ibond-lab__rate{display:grid;grid-template-columns:auto 1fr;gap:16px;align-items:center;margin-top:18px}.mrm-ibond-lab__rate-num{font-size:2.35rem;font-weight:800;color:var(--navy);white-space:nowrap;font-variant-numeric:tabular-nums}.mrm-ibond-lab__rate-copy{font-size:.93rem;color:var(--muted);line-height:1.45}.mrm-ibond-lab__tabs{display:flex;gap:8px;padding:14px 18px;border-bottom:1px solid var(--line);overflow-x:auto;background:#fff}.mrm-ibond-lab__tab{border:1px solid var(--line);background:#fff;color:var(--navy);padding:9px 12px;border-radius:999px;cursor:pointer;white-space:nowrap;font-weight:700}.mrm-ibond-lab__tab[aria-selected="true"]{background:var(--navy);color:#fff;border-color:var(--navy)}
.mrm-ibond-lab__panel{display:none;padding:22px}.mrm-ibond-lab__panel.is-active{display:block}.mrm-ibond-lab__panel h4{margin:0 0 8px;color:var(--navy);font-size:1.2rem}.mrm-ibond-lab__panel p{line-height:1.55}.mrm-ibond-lab__grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:16px 0}.mrm-ibond-lab__card{border:1px solid var(--line);border-radius:14px;padding:15px;background:#fbfdff}.mrm-ibond-lab__label{font-size:.78rem;text-transform:uppercase;letter-spacing:.05em;color:var(--muted);font-weight:800}.mrm-ibond-lab__value{font-size:1.4rem;font-weight:800;color:var(--navy);margin-top:4px;white-space:nowrap;font-variant-numeric:tabular-nums}.mrm-ibond-lab__small{font-size:.85rem;color:var(--muted);line-height:1.45;margin-top:4px}.mrm-ibond-lab__bar{height:24px;border-radius:999px;overflow:hidden;display:flex;background:#edf2f6;margin:18px 0 8px}.mrm-ibond-lab__seg-fixed{background:#1d5b84}.mrm-ibond-lab__seg-infl{background:#5fa2d2}.mrm-ibond-lab__seg-cross{background:#d7a72c;min-width:3px}.mrm-ibond-lab__legend{display:flex;gap:16px;flex-wrap:wrap;font-size:.83rem;color:var(--muted)}.mrm-ibond-lab__dot{display:inline-block;width:9px;height:9px;border-radius:50%;margin-right:5px}.mrm-ibond-lab__field{margin:14px 0}.mrm-ibond-lab__field label{display:block;font-weight:700;color:var(--navy);margin-bottom:6px}.mrm-ibond-lab__field input{width:100%;padding:11px 12px;border:1px solid #bccbd7;border-radius:10px;background:#fff;color:var(--ink);font-size:16px}.mrm-ibond-lab__result{border-left:4px solid var(--blue);background:var(--blue2);padding:14px 16px;border-radius:10px;margin-top:16px;line-height:1.5}.mrm-ibond-lab__result strong{color:var(--navy)}.mrm-ibond-lab__timeline{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-top:16px}.mrm-ibond-lab__mile{border:1px solid var(--line);border-radius:12px;padding:13px}.mrm-ibond-lab__mile b{display:block;color:var(--navy);font-size:.92rem}.mrm-ibond-lab__date{font-weight:800;font-variant-numeric:tabular-nums;margin-top:4px}.mrm-ibond-lab__q{display:none}.mrm-ibond-lab__q.is-active{display:block}.mrm-ibond-lab__choices{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:14px}.mrm-ibond-lab__choice{padding:13px 14px;border:1px solid #b9c9d6;border-radius:12px;background:#fff;color:var(--navy);font-weight:800;cursor:pointer;text-align:left}.mrm-ibond-lab__choice:hover,.mrm-ibond-lab__choice:focus{border-color:var(--blue);box-shadow:0 0 0 3px rgba(23,105,170,.12);outline:none}.mrm-ibond-lab__progress{font-size:.8rem;color:var(--muted);margin-bottom:8px}.mrm-ibond-lab__answer{display:none;border:1px solid var(--line);border-radius:14px;padding:16px;background:#fbfdff}.mrm-ibond-lab__answer.is-active{display:block}.mrm-ibond-lab__reset{margin-top:12px;border:0;background:none;color:var(--blue);text-decoration:underline;cursor:pointer;padding:0}.mrm-ibond-lab__source{padding:0 22px 20px;color:var(--muted);font-size:.78rem;line-height:1.45}.mrm-ibond-lab__source a{color:var(--blue)}
@container (max-width:620px){.mrm-ibond-lab__grid,.mrm-ibond-lab__timeline{grid-template-columns:1fr}.mrm-ibond-lab__choices{grid-template-columns:1fr}.mrm-ibond-lab__rate{grid-template-columns:1fr}.mrm-ibond-lab__rate-num{font-size:2rem}.mrm-ibond-lab__panel{padding:18px}.mrm-ibond-lab__hero{padding:20px}}
@media (prefers-reduced-motion:reduce){.mrm-ibond-lab *{scroll-behavior:auto!important;transition:none!important}}


/* MRM I-Bond Keep vs Replace calculator v1 - article scoped */
.mrm-ibond-switch{--ibs-navy:#12304a;--ibs-blue:#1769aa;--ibs-line:#cbd9e4;--ibs-muted:#526473;font-family:Arial,Helvetica,sans-serif;color:#1e293b;max-width:820px;margin:22px auto 34px;border:1px solid var(--ibs-line);border-radius:18px;background:white;box-shadow:0 8px 25px rgba(18,48,74,.07);container-type:inline-size}
.mrm-ibond-switch *{box-sizing:border-box}.mrm-ibond-switch h3{font-size:1.52rem;line-height:1.22;color:var(--ibs-navy);margin:3px 0 9px}.mrm-ibond-switch p{line-height:1.53}.mrm-ibond-switch__head{padding:23px 24px 18px;background:#f2f8fc;border-radius:18px 18px 0 0}.mrm-ibond-switch__eyebrow{color:var(--ibs-blue);font-size:.78rem;letter-spacing:.075em;text-transform:uppercase;font-weight:800;margin:0}.mrm-ibond-switch__intro{margin:0;color:#455669}.mrm-ibond-switch__body{padding:20px 24px 23px}
.mrm-ibond-switch__fields{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:15px 17px}.mrm-ibond-switch__field{min-width:0}.mrm-ibond-switch__field label{display:block;font-size:.87rem;font-weight:700;color:#12304a;margin-bottom:6px;line-height:1.4}.mrm-ibond-switch__field input,.mrm-ibond-switch__field select{display:block;width:100%;max-width:100%;font:inherit;font-size:16px;min-height:43px;padding:9px 11px;background:#fff;color:#1f2937;border:1px solid #9fb4c6;border-radius:10px}.mrm-ibond-switch__field input:focus,.mrm-ibond-switch__field select:focus{outline:3px solid #bbddf3;outline-offset:1px;border-color:#1769aa}.mrm-ibond-switch__field small{display:block;margin-top:5px;color:var(--ibs-muted);font-size:.79rem;line-height:1.4}.mrm-ibond-switch__fieldset{border:0;padding:0;margin:0}.mrm-ibond-switch__details{border-top:1px solid #e0e9f0;margin-top:18px;padding-top:15px}.mrm-ibond-switch__details summary{cursor:pointer;font-weight:700;color:var(--ibs-blue);padding:3px 0}.mrm-ibond-switch__details .mrm-ibond-switch__fields{margin-top:15px}.mrm-ibond-switch__status{padding:11px 13px;margin:16px 0 0;border-radius:10px;background:#fff7e8;border:1px solid #f1d39b;color:#684000;font-size:.89rem}.mrm-ibond-switch__status[hidden],.mrm-ibond-switch__result[hidden]{display:none!important}
.mrm-ibond-switch__result{padding:19px 20px;background:#f7fafc;border:1px solid #d5e3eb;border-radius:14px;margin-top:20px}.mrm-ibond-switch__lead{color:var(--ibs-navy);font-size:1.18rem;line-height:1.3;font-weight:800;margin:0 0 8px}.mrm-ibond-switch__explainer{margin:0 0 15px;font-size:.91rem;color:#48596b}.mrm-ibond-switch__compare{display:grid;grid-template-columns:1fr 1fr;gap:12px}.mrm-ibond-switch__path{min-width:0;background:white;border:1px solid #d6e0e9;border-radius:12px;padding:14px}.mrm-ibond-switch__path-label{display:block;font-size:.82rem;color:var(--ibs-muted);font-weight:700}.mrm-ibond-switch__num{display:block;color:var(--ibs-navy);font-size:clamp(1.2rem,4cqi,1.7rem);line-height:1.3;font-weight:800;white-space:nowrap;font-variant-numeric:tabular-nums;word-break:normal;overflow-wrap:normal;margin:7px 0 10px}.mrm-ibond-switch__track{height:9px;border-radius:999px;background:#e8eef4;overflow:hidden}.mrm-ibond-switch__fill{display:block;background:#1974a9;height:100%;border-radius:999px;width:0}.mrm-ibond-switch__fill--keep{background:#2d816c}.mrm-ibond-switch__ledger{margin:17px 0 0;border-top:1px solid #dbe5eb;padding-top:12px}.mrm-ibond-switch__ledger div{display:flex;justify-content:space-between;gap:12px;margin:7px 0;font-size:.88rem}.mrm-ibond-switch__ledger dt{color:var(--ibs-muted)}.mrm-ibond-switch__ledger dd{margin:0;font-weight:700;color:var(--ibs-navy);white-space:nowrap;font-variant-numeric:tabular-nums}.mrm-ibond-switch__note{font-size:.8rem;color:#536577;margin:15px 0 0;line-height:1.5}.mrm-ibond-switch__note a{color:#1769aa}.mrm-ibond-switch__privacy{margin:13px 0 0;font-size:.77rem;color:#596b78}.mrm-ibond-switch__footer{margin:13px 0 0;font-size:.85rem;color:#3a5266}
@container (max-width:525px){.mrm-ibond-switch__fields,.mrm-ibond-switch__compare{grid-template-columns:1fr}.mrm-ibond-switch__body{padding:17px}.mrm-ibond-switch__head{padding:19px}.mrm-ibond-switch__num{font-size:1.5rem}}
@media (prefers-reduced-motion:reduce){.mrm-ibond-switch *{transition:none!important;scroll-behavior:auto!important}}


/* ibond-visual-lessons-2026-v1: page-scoped, static-first teaching objects */
.mrm-ibond-clocks{--ic-ink:#12304a;--ic-sea:#257e91;--ic-line:#cddce7;max-width:820px;container-type:inline-size;margin:20px 0 27px;padding:20px 22px;border:1px solid var(--ic-line);border-radius:15px;background:#f8fbfd;color:#213648;font-family:Arial,Helvetica,sans-serif}
.mrm-ibond-clocks *{box-sizing:border-box}.mrm-ibond-clocks__title{margin:0 0 5px;color:var(--ic-ink);font-weight:800;font-size:1.16rem;line-height:1.35}.mrm-ibond-clocks__intro{margin:0 0 15px;line-height:1.45;color:#485c6c;font-size:.91rem}
.mrm-ibond-clocks__field{display:flex;gap:10px;align-items:center;flex-wrap:wrap;margin:0 0 18px}.mrm-ibond-clocks__field label{font-size:.88rem;font-weight:700;color:var(--ic-ink)}.mrm-ibond-clocks__field select{min-width:145px;min-height:43px;font:inherit;font-size:16px;border:1px solid #9bb4c6;border-radius:9px;background:#fff;color:#213648;padding:7px 10px}
.mrm-ibond-clocks__field select:focus{outline:3px solid #b9dff5;outline-offset:2px}
.mrm-ibond-clocks__tracks{display:grid;grid-template-columns:minmax(0,1fr) 48px minmax(0,1fr);gap:8px;align-items:stretch}
.mrm-ibond-clocks__track{min-width:0;padding:15px 14px 17px;border:1px solid var(--ic-line);border-radius:12px;background:white}
.mrm-ibond-clocks__track--personal{background:#edf7f4;border-color:#b1d9c8}
.mrm-ibond-clocks__label{font-weight:800;color:var(--ic-ink);font-size:.87rem;margin:0 0 9px}
.mrm-ibond-clocks__dates{display:flex;align-items:center;gap:6px;justify-content:space-between;position:relative;isolation:isolate}
.mrm-ibond-clocks__dates::before{content:"";position:absolute;left:12%;right:12%;height:3px;top:50%;transform:translateY(-50%);background:#cfdee8;z-index:-1}
.mrm-ibond-clocks__track--personal .mrm-ibond-clocks__dates::before{background:#9accb8}
.mrm-ibond-clocks__date{display:block;white-space:nowrap;min-width:0;border:2px solid #88b4cc;background:#eaf5fb;color:#12304a;border-radius:999px;padding:8px 10px;font-size:.91rem;line-height:1.1;font-weight:800;text-align:center;box-shadow:0 0 0 3px white;font-variant-numeric:tabular-nums}
.mrm-ibond-clocks__track--personal .mrm-ibond-clocks__date{border-color:#3b9a7e;background:#d9f1e8}
.mrm-ibond-clocks__bridge{display:flex;align-items:center;justify-content:center;color:#657d8e;font-size:1.7rem;font-weight:800}
.mrm-ibond-clocks__takeaway{margin:14px 0 0;padding-top:12px;border-top:1px solid var(--ic-line);font-size:.88rem;line-height:1.5;color:#2c4a5c}.mrm-ibond-clocks__source{font-size:.77rem;color:#61717d;margin:10px 0 0}.mrm-ibond-clocks__source a{color:#1769aa}
.mrm-ibond-clocks__date.is-changing{animation:mrm-ibond-clocks-reveal .37s ease-out}
@keyframes mrm-ibond-clocks-reveal{0%{transform:translateY(8px);opacity:.45}100%{transform:translateY(0);opacity:1}}
@container (max-width:540px){.mrm-ibond-clocks__tracks{grid-template-columns:1fr;gap:4px}.mrm-ibond-clocks__bridge{transform:rotate(90deg);min-height:22px;font-size:1.3rem}.mrm-ibond-clocks{padding:17px 15px}.mrm-ibond-clocks__track{padding:13px}.mrm-ibond-clocks__date{padding:8px}}
.mrm-ibond-switch__flow{margin:12px 0 20px;display:grid;grid-template-columns:minmax(0,1fr) 22px minmax(0,1fr) 22px minmax(0,1fr);gap:5px;align-items:stretch}
.mrm-ibond-switch__flowstep{padding:12px 9px 13px;text-align:center;border-radius:10px;border:1px solid #c6d7e1;background:white;min-width:0}
.mrm-ibond-switch__flowstep--tax{border-color:#ead1a5;background:#fff8ec}.mrm-ibond-switch__flowstep--new{border-color:#add5c3;background:#eaf7f1}
.mrm-ibond-switch__flowlabel{font-size:.76rem;line-height:1.32;color:#465d6e;font-weight:700;display:block;min-height:2em}
.mrm-ibond-switch__flownum{display:block;white-space:nowrap;font-variant-numeric:tabular-nums;color:#12304a;font-weight:800;font-size:clamp(.97rem,2.9cqi,1.22rem);margin:6px 0 2px;overflow-wrap:normal;word-break:normal}
.mrm-ibond-switch__flowarrow{align-self:center;text-align:center;font-size:1.3rem;color:#6e8597;line-height:1}
.mrm-ibond-switch__flowextra{color:#485e70;font-size:.84rem;margin:7px 0 15px}
.mrm-ibond-switch__flowextra[hidden]{display:none!important}
.mrm-ibond-lab__timeline{position:relative;isolation:isolate;list-style:none!important;padding:0!important;margin:18px 0 5px!important;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:13px}
.mrm-ibond-lab__timeline[hidden]{display:none!important}
.mrm-ibond-lab__timeline::before{content:"";height:4px;background:linear-gradient(90deg,#b74a3d 0%,#d6a03a 51%,#2e8b67 100%);position:absolute;left:12%;right:12%;top:23px;z-index:-1}
.mrm-ibond-lab__timeline .mrm-ibond-lab__mile{position:relative;min-width:0;padding:19px 11px 13px;background:#fff;border-radius:12px;border:1px solid #cfdce5;margin:0}
.mrm-ibond-lab__timeline .mrm-ibond-lab__mile::before{content:"";display:block;width:12px;height:12px;border-radius:50%;margin:-2px 0 11px;background:#b74a3d;border:3px solid #fff;box-shadow:0 0 0 2px #b74a3d}
.mrm-ibond-lab__timeline .mrm-ibond-lab__mile:nth-child(2)::before{background:#b98a2b;box-shadow:0 0 0 2px #b98a2b}
.mrm-ibond-lab__timeline .mrm-ibond-lab__mile:nth-child(3)::before{background:#23855e;box-shadow:0 0 0 2px #23855e}
.mrm-ibond-lab__timeline .mrm-ibond-lab__mile b{font-size:.89rem;line-height:1.3}
.mrm-ibond-lab__timeline .mrm-ibond-lab__date{white-space:normal;font-size:.9rem;line-height:1.35;margin-top:10px}
.mrm-ibond-lab__timeline .mrm-ibond-lab__small{font-size:.78rem}
@container (max-width:540px){.mrm-ibond-switch__flow{grid-template-columns:1fr;gap:2px}.mrm-ibond-switch__flowarrow{transform:rotate(90deg);font-size:1.2rem}.mrm-ibond-switch__flownum{font-size:1.25rem}.mrm-ibond-switch__flowlabel{min-height:0}.mrm-ibond-lab__timeline{grid-template-columns:1fr;gap:9px}.mrm-ibond-lab__timeline::before{width:4px;height:auto;top:20px;bottom:20px;left:21px;right:auto;background:linear-gradient(#b74a3d,#d6a03a,#2e8b67)}.mrm-ibond-lab__timeline .mrm-ibond-lab__mile{padding:14px 14px 14px 43px}.mrm-ibond-lab__timeline .mrm-ibond-lab__mile::before{position:absolute;left:14px;top:18px;margin:0}}
@media (prefers-reduced-motion:reduce){.mrm-ibond-clocks__date.is-changing{animation:none}}