:root{--ink:#173744;--ink-2:#37525c;--muted:#667680;--teal:#23666c;--green:#3f766d;--mint:#eaf4ef;--peach:#f6e0d2;--paper:#fffefa;--off:#f6f7f3;--line:#dfe7e5;--tan:#e5aa75;--shadow:0 20px 52px rgba(26,53,55,.08);--soft-shadow:0 8px 22px rgba(29,55,56,.055);--radius:19px;--serif:Georgia,'Times New Roman',serif;--sans:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:#fffefa;color:var(--ink);font-family:var(--sans);font-size:16px;line-height:1.65;-webkit-font-smoothing:antialiased}img{max-width:100%;height:auto}a{color:inherit;text-decoration:none}p{margin:0 0 1.15em}button,input,textarea{font:inherit}button{cursor:pointer}svg{vertical-align:middle}h1,h2,h3,h4{line-height:1.15;letter-spacing:-.033em;margin:0 0 .65em}h1{font-size:clamp(2.7rem,5.3vw,5.25rem)}h2{font-size:clamp(2rem,3.3vw,3.35rem)}h3{font-size:1.3rem}a:focus-visible,button:focus-visible,input:focus-visible,textarea:focus-visible{outline:3px solid #eeac73;outline-offset:4px}::selection{background:#ffdfb4;color:#173744}.container{width:min(1180px,calc(100% - 48px));margin:0 auto}.narrow{width:min(820px,calc(100% - 48px))}.hidden,[hidden]{display:none!important}.skip-link{position:absolute;top:-70px;left:20px;padding:10px 18px;background:white;z-index:1000}.skip-link:focus{top:10px}.announcement{background:#173b45;color:#eaf3ed;font-size:12px}.announcement-inner{display:flex;justify-content:space-between;align-items:center;gap:24px;min-height:34px}.announcement-inner span,.announcement-inner a{display:inline-flex;align-items:center;gap:8px}.announcement-inner a{font-weight:750;color:#e9c3a0}.site-header{background:var(--paper);z-index:100;position:relative;border-bottom:1px solid #edf0ec}.header-row{display:flex;align-items:center;justify-content:space-between;gap:28px;min-height:91px}.brand{display:inline-flex;gap:10px;align-items:center;flex-shrink:0}.brand-symbol{width:43px;height:43px}.brand-symbol svg{display:block;width:100%;height:100%}.brand-type{display:flex;flex-direction:column;line-height:1.06}.brand-type strong{font-size:24px;letter-spacing:-1.5px;font-weight:830}.brand-type strong span{color:#51847a}.brand-type small{font-size:10px;letter-spacing:.045em;font-weight:700;color:var(--muted);margin-top:5px}.nav{display:flex;align-items:center;gap:32px}.nav>a{font-weight:710;font-size:13.5px;transition:color .2s}.nav>a:hover{color:#2c807f}.nav .nav-cta{display:inline-flex;align-items:center;gap:8px;padding:12px 18px;background:#eaf3ed;color:#1f665c;border-radius:10px}.nav .nav-cta:hover{background:#d7eae1}.menu-toggle{display:none;border:0;background:transparent;padding:8px}.menu-toggle span{display:block;width:23px;height:2px;margin:5px;background:var(--ink)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:14px;font-weight:770;font-size:14px;line-height:1.2;padding:17px 23px;border-radius:12px;border:1.5px solid transparent;transition:transform .16s,background .16s,box-shadow .16s}.btn:hover{transform:translateY(-2px)}.btn-primary,.btn.primary{background:#1d5e60;color:white;box-shadow:0 8px 20px rgba(27,96,92,.12)}.btn-primary:hover,.btn.primary:hover{background:#194a50}.btn-outline,.btn.secondary{color:#234f50;border-color:#ccd9d4;background:#fffefa}.btn-outline:hover,.btn.secondary:hover{background:#eef5f1}.btn-cream,.btn.light{background:#f6d6b8;color:#213a41}.btn-cream:hover,.btn.light:hover{background:#fff0e2}.eyebrow,.kicker,.section-eyebrow{font-weight:820;letter-spacing:.16em;font-size:11px;color:#338178;text-transform:uppercase}.section{padding:90px 0}.hero{background:linear-gradient(112deg,#f5f8f3 0%,#f8f7f0 58%,#ecf1eb 100%);padding:65px 0 79px;overflow:hidden}.hero-layout{display:grid;grid-template-columns:1fr .98fr;gap:7%;align-items:center}.hero-copy{max-width:615px}.eyebrow{display:inline-flex;gap:12px;align-items:center}.eyebrow-pip{display:inline-block;width:28px;height:2px;background:#d7a178}.hero h1{margin:21px 0 22px;max-width:590px;font-weight:790;line-height:1.06;letter-spacing:-.057em}.hero h1 em{font-family:var(--serif);font-weight:400;color:#347c70;letter-spacing:-.045em}.hero-lead{font-size:18px;line-height:1.76;color:#586c70;max-width:550px;margin-bottom:28px}.hero-actions{display:flex;flex-wrap:wrap;gap:12px;align-items:center}.hero-proof{display:flex;gap:23px;flex-wrap:wrap;margin-top:30px;font-size:12px;color:#5d6d6c;font-weight:650}.hero-proof span{display:flex;align-items:center;gap:5px}.hero-proof svg{color:#338579}.hero-visual{position:relative;padding:8px 12px 10px 2px}.hero-visual:before{content:'';position:absolute;width:280px;height:280px;background:#b9d5c9;filter:blur(90px);border-radius:50%;right:-80px;top:-50px;opacity:.65}.hero-image-wrap{position:relative;overflow:hidden;border-radius:26px 140px 26px 26px;box-shadow:0 30px 60px rgba(46,80,62,.13);height:485px;transform:rotate(1deg)}.hero-image-wrap img{width:100%;height:100%;object-fit:cover;object-position:50% 50%;display:block}.hero-floating{position:absolute;bottom:-24px;left:-39px;display:flex;align-items:center;gap:15px;padding:17px 24px;background:white;border:1px solid #f1f2ef;box-shadow:0 15px 45px rgba(22,55,45,.14);border-radius:15px;min-width:300px;transform:rotate(-1deg)}.float-icon{display:grid;place-items:center;width:47px;height:47px;flex-shrink:0;border-radius:13px;color:#2d8579;background:#eaf4ef}.hero-floating strong,.hero-floating span{display:block}.hero-floating strong{font-size:14px}.hero-floating span{font-size:11px;color:#7b8989;margin-top:3px}.alert-section{background:#fffefa;padding:26px 0 0}.alert-band{display:flex;align-items:center;gap:20px;background:#fdf0e6;border:1px solid #f7dfc9;border-radius:15px;padding:19px 24px}.alert-icon{width:48px;height:48px;border-radius:12px;background:#f9dbc2;color:#a9602f;flex-shrink:0;display:grid;place-items:center}.alert-band>div{flex:1}.alert-band strong{font-size:15px}.alert-band p{color:#745d4e;font-size:13px;margin:1px 0 0;line-height:1.5}.alert-band>a{font-size:13px;display:flex;gap:10px;align-items:center;font-weight:780;white-space:nowrap;color:#945222}.section-heading{display:flex;align-items:end;justify-content:space-between;gap:40px;margin-bottom:30px}.section-heading h2{margin:10px 0 0;max-width:750px}.section-heading>p{max-width:280px;font-size:14px;color:#70807e;margin:0 0 6px}.situation-section{padding-top:94px;background:var(--paper)}.situation-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.situation-card{position:relative;padding:27px 24px 24px;min-height:258px;border:1px solid #e5ebe8;border-radius:18px;background:white;box-shadow:var(--soft-shadow);transition:transform .2s,box-shadow .2s,border-color .2s}.situation-card:hover{transform:translateY(-6px);box-shadow:0 18px 34px rgba(31,65,65,.095);border-color:#bcd2ca}.situation-icon{height:58px;width:58px;display:grid;place-items:center;border-radius:16px;margin-bottom:21px}.sky{background:#e4f1fa;color:#477f9c}.peach{background:#fce9dd;color:#b5744a}.mint{background:#e4f3ea;color:#468775}.lavender{background:#eeeafa;color:#7775a8}.situation-card h3{font-size:18px;letter-spacing:-.02em;margin-bottom:9px}.situation-card p{font-size:13px;line-height:1.68;color:#697a7f;margin:0 0 20px;padding-right:13px}.situation-arrow{position:absolute;right:22px;bottom:20px;color:#397c73}.editorial-section{background:#f4f6f3}.editorial-layout{display:grid;grid-template-columns:1fr 1fr;gap:9%;align-items:center}.editorial-illustration{min-height:465px;display:grid;place-items:center;position:relative;border-radius:25px;background:radial-gradient(circle at 30% 24%,#e8dbb8 0,#e7e9d4 39%,#d0e5da 100%);overflow:hidden}.illustration-note{position:relative;z-index:2;background:#fffefa;border-radius:17px;width:min(350px,81%);padding:30px 27px;box-shadow:0 25px 45px #6c8d7942;transform:rotate(-4deg)}.note-mini{display:block;font-size:10px;letter-spacing:.15em;color:#4e8d7d;font-weight:800}.note-heading{font-family:var(--serif);font-size:28px;display:block;letter-spacing:-.04em;margin:7px 0 20px}.illustration-row{display:flex;gap:11px;align-items:flex-start;border-top:1px solid #e7eae3;padding:13px 0}.illustration-check{width:26px;height:26px;border-radius:50%;display:grid;place-items:center;background:#e5f2e8;color:#278066;font-weight:750;flex-shrink:0}.illustration-row b,.illustration-row small{display:block;line-height:1.35}.illustration-row b{font-size:13px}.illustration-row small{font-size:11px;color:#758280;margin-top:4px}.note-bottom{display:block;font-size:11px;color:#7d958f;padding-top:14px;border-top:1px solid #e7eae3}.illustration-decoration{position:absolute;border-radius:50%;background:#a8cfbc;opacity:.42;width:280px;height:280px}.deco-a{left:-100px;bottom:-100px}.deco-b{right:-150px;top:-110px}.editorial-copy{max-width:490px}.editorial-copy h2{margin:15px 0 21px}.editorial-copy>p{font-size:16px;color:#6b7b7b;line-height:1.8}.editorial-copy ul{padding:0;margin:29px 0 30px;list-style:none}.editorial-copy li{display:flex;gap:12px;align-items:center;margin-bottom:13px;font-size:14px;color:#41545b;font-weight:620}.editorial-copy li svg{color:#328171;flex-shrink:0}.inline-cta,.section-more{display:inline-flex;gap:12px;align-items:center;color:#26756b;font-weight:780;font-size:14px}.inline-cta:hover,.section-more:hover{text-decoration:underline}.featured-section{background:#fffefa}.guide-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}.guide-card{overflow:hidden;background:#fff;border:1px solid #e4eae7;border-radius:19px;display:flex;flex-direction:column;box-shadow:var(--soft-shadow);transition:transform .2s,box-shadow .2s}.guide-card:hover{transform:translateY(-5px);box-shadow:0 21px 42px rgba(18,46,48,.1)}.guide-art{height:176px;overflow:hidden;display:flex;align-items:center;justify-content:center;position:relative;background:#e1eef1;color:#4d8594}.guide-art>img{width:100%;height:100%;object-fit:cover}.guide-art-glow{width:190px;height:190px;background:#f9fefc5c;position:absolute;border-radius:50%;top:-100px;right:-35px}.guide-art-icon{width:91px;height:91px;background:#ffffff9c;border:1px solid #ffffffc7;display:grid;place-items:center;border-radius:26px;box-shadow:0 15px 32px #1b3f3821;transform:rotate(-8deg)}.guide-art-mark{position:absolute;right:18px;bottom:14px;width:34px;height:34px;background:white;border-radius:50%;display:grid;place-items:center;box-shadow:0 3px 12px #19384012}.guide-art.art-scale{background:linear-gradient(140deg,#f4e9de,#f0ceb4);color:#a8653c}.guide-art.art-chart{background:linear-gradient(135deg,#e7edfd,#d2dcf1);color:#6268aa}.guide-art.art-heart{background:linear-gradient(135deg,#f4e4de,#f6d9cd);color:#c47667}.guide-art.art-shield{background:linear-gradient(135deg,#e4ebd6,#c3dcbb);color:#62885c}.guide-art.art-wallet{background:linear-gradient(135deg,#e0eee2,#bad8ce);color:#2f8077}.guide-card-body{padding:23px 25px 27px;flex:1;display:flex;flex-direction:column}.guide-meta{display:flex;justify-content:space-between;gap:8px;color:#729087;font-weight:790;font-size:11px;margin-bottom:15px}.guide-meta span:first-child{text-transform:uppercase;letter-spacing:.07em}.guide-meta span:last-child{white-space:nowrap;color:#8d9a97;font-weight:550}.guide-card h3{font-size:21px;letter-spacing:-.035em;line-height:1.25;margin:0 0 12px}.guide-card h3 a:hover{color:#267f73}.guide-card p{font-size:13px;line-height:1.72;color:#6d7c7c;margin-bottom:21px;flex:1}.card-link{font-size:13px;color:#27786e;font-weight:800;display:inline-flex;gap:9px;align-items:center}.tools-feature{background:#174b52;color:white;position:relative;overflow:hidden}.tools-feature:before{content:'';height:580px;width:580px;position:absolute;right:-150px;top:-220px;background:radial-gradient(circle,#3b7973a6,transparent 65%)}.tools-feature-grid{display:grid;grid-template-columns:1fr 1fr;gap:12%;align-items:center;position:relative}.light-kicker{color:#b8d6c9}.tools-feature-copy h2{font-size:clamp(2.4rem,4vw,3.8rem);margin:14px 0 20px}.tools-feature-copy h2 em{font-weight:400;font-family:var(--serif);color:#f1c79e}.tools-feature-copy p{color:#d5e4df;font-size:16px;line-height:1.8;max-width:480px}.feature-checks{display:flex;gap:20px;flex-wrap:wrap;font-size:12px;color:#cbdcd3;margin:25px 0 29px}.feature-checks span{display:flex;align-items:center;gap:6px}.feature-checks svg{color:#afdab6}.calculator-preview{background:#fffefa;color:#233a40;border-radius:20px;box-shadow:0 30px 66px rgba(7,26,29,.25);padding:31px;transform:rotate(2deg);max-width:440px}.preview-top{display:flex;justify-content:space-between;align-items:center;font-size:10px;font-weight:820;letter-spacing:.14em;color:#7b918f}.preview-dots{font-size:17px;color:#b6c6c6;letter-spacing:.06em}.preview-figure{padding:27px 0 21px;border-bottom:1px solid #e6e8e5}.preview-figure span{display:block;font-size:54px;letter-spacing:-.055em;line-height:1;font-weight:820}.preview-figure small{color:#869590;font-size:12px}.preview-bars{padding-top:19px}.preview-bars>div{display:flex;justify-content:space-between;gap:10px;font-size:12px;margin:15px 0 9px}.preview-bars b{font-size:16px}.bar-track{height:10px;background:#eff3f0;display:block;border-radius:99px;overflow:hidden}.bar-fill{display:block;height:100%;width:64%;background:#e3b393;border-radius:99px}.bar-green{width:100%;background:#71a999}.preview-note{font-size:11px;line-height:1.6;color:#6d8481;background:#f1f7f3;border-radius:8px;padding:11px 13px;margin-top:21px}.sources-section{padding:72px 0}.sources-inner{display:grid;grid-template-columns:70px 1fr auto;gap:24px;align-items:center;background:#f2f6ef;border-radius:22px;padding:39px}.source-badge{width:67px;height:67px;border-radius:18px;background:#ddece3;color:#3b7b6a;display:grid;place-items:center}.sources-inner h2{font-size:24px;margin:0 0 9px}.sources-inner p{font-size:13px;line-height:1.7;color:#6b7978;max-width:670px;margin:0}.sources-inner>a{font-size:12px;font-weight:780;display:flex;gap:8px;align-items:center;color:#2c786d;white-space:nowrap}.site-footer{background:#142f39;color:#f3f7f4;padding:66px 0 28px}.footer-main{display:grid;grid-template-columns:2.2fr 1fr 1fr;gap:12%;padding-bottom:50px}.footer-logo{font-size:29px;font-weight:850;letter-spacing:-1.6px}.footer-logo>span:first-child{color:#98cdb9}.footer-dot{color:#efb482}.footer-brand>p{margin:11px 0 0;font-size:14px;color:#d2e2db}.footer-brand>.footer-sub{font-size:12px;color:#9bb3b3;max-width:380px;margin-top:15px}.footer-col h3{font-size:12px;letter-spacing:.15em;text-transform:uppercase;color:#cbd8d0;margin:7px 0 18px}.footer-col a{display:block;margin-bottom:10px;font-size:13px;color:#9fb5b4}.footer-col a:hover{color:white}.footer-bottom{border-top:1px solid #36515a;padding-top:24px;display:flex;justify-content:space-between;gap:20px;font-size:11px;color:#a7bdba}.footer-bottom a{color:#dae8e2}
/* Guides and pages */
.page-head{background:linear-gradient(130deg,#ecf5ed,#f7f7ef);padding:60px 0 65px}.page-head h1{font-size:clamp(2.65rem,5vw,4.7rem);margin:17px 0 13px;max-width:900px}.page-head h1 em{font-family:var(--serif);font-weight:400;color:#397f70}.page-intro{font-size:17px;color:#5c7375;line-height:1.75;max-width:680px;margin:0}.breadcrumb{display:flex;gap:9px;align-items:center;flex-wrap:wrap;font-size:12px;color:#79928e;margin-bottom:24px}.breadcrumb a{color:#3f756d;font-weight:720}.breadcrumb span:last-child{overflow:hidden;text-overflow:ellipsis;white-space:nowrap;max-width:380px}.search-label{font-weight:750;display:block;font-size:13px;margin:24px 0 9px}.search-wrap{position:relative;max-width:680px}.search-wrap>span:first-child{position:absolute;left:18px;top:50%;transform:translateY(-50%);font-size:29px;color:#6e8e88;line-height:1}.search-wrap input{display:block;width:100%;border:1px solid #cadad4;background:white;box-shadow:0 7px 18px #44685e16;border-radius:12px;font-size:15px;padding:18px 95px 18px 57px;outline-offset:1px}.search-wrap input:focus{border-color:#529687;outline:2px solid #90c4b4}#search-state{position:absolute;right:18px;top:50%;transform:translateY(-50%);color:#718881;font-size:12px}.guides-section{padding-top:48px}.filter-row{display:flex;flex-wrap:wrap;gap:9px;margin-bottom:30px}.filter{background:#f5f8f4;border:1px solid #e4eae6;color:#59726d;padding:9px 15px;border-radius:999px;font-size:12px;font-weight:760}.filter.active,.filter:hover{background:#236c66;color:white;border-color:#236c66}.muted{color:#859290}.small{font-size:12px}.page-content{padding:55px 0 100px}.entry-content{color:#354c52;font-size:16px;line-height:1.86}.entry-content h2{font-size:28px;letter-spacing:-.035em;margin:38px 0 15px;scroll-margin-top:20px;color:#173744}.entry-content h3{font-size:21px;margin:30px 0 13px;color:#173744}.entry-content p{margin-bottom:18px}.entry-content ul,.entry-content ol{padding-left:26px;margin-bottom:22px}.entry-content li{padding-left:3px;margin-bottom:9px}.entry-content a{color:#247668;text-decoration:underline;text-decoration-color:#8fbbb1;text-underline-offset:3px}.entry-content blockquote{border-left:4px solid #7bb09e;background:#f3f8f4;padding:20px 28px;margin:24px 0}.entry-content table{width:100%;border-collapse:collapse;font-size:14px;display:block;overflow-x:auto}.entry-content td,.entry-content th{border:1px solid #e0e9e4;padding:11px}.entry-content th{background:#f4f8f5;text-align:left}.entry-content figure{max-width:100%}.single-layout{padding-top:44px;padding-bottom:90px}.article-top{max-width:890px;margin-bottom:37px}.article-label{color:#317a70;text-transform:uppercase;letter-spacing:.14em;font-weight:790;font-size:11px;margin:20px 0 17px}.article-top h1{font-size:clamp(2.6rem,4.7vw,4.6rem);line-height:1.13;letter-spacing:-.05em;margin-bottom:24px}.article-standfirst{max-width:770px;color:#617b78;font-size:19px;line-height:1.7}.article-meta{display:flex;flex-wrap:wrap;gap:13px;font-size:12px;color:#7a8c89;padding-top:20px;border-top:1px solid #e0e8e4}.article-meta span:not(:last-child):after{content:'·';margin-left:13px}.article-columns{display:grid;grid-template-columns:minmax(0,770px) minmax(190px,270px);gap:9%;align-items:start}.article-disclosure{border-left:3px solid #79a89e;padding:16px 21px;background:#eef7f1;font-size:13px;line-height:1.7;color:#4e7069;border-radius:0 9px 9px 0;margin-bottom:27px}.endnote{margin-top:40px;border-top:1px solid #e4e9e5;padding-top:22px;font-size:12px;color:#82918d}.sidebar-stick{position:sticky;top:32px;border:1px solid #e3ece7;border-radius:15px;padding:25px;background:#fafbf8}.sidebar-eyebrow{font-size:11px;font-weight:850;letter-spacing:.14em;color:#3f8176;margin:0 0 17px}#article-toc a{display:block;padding:9px 0;color:#627a75;font-size:12px;line-height:1.5;border-bottom:1px solid #e8eee9}#article-toc a:hover{color:#206d63}.sidebar-tool{display:block;color:#217669;font-weight:760;font-size:12px;margin-top:22px}.print-button{background:none;border:none;padding:12px 0;color:#718780;font-size:12px}.pagination{margin-top:36px}.pagination a,.pagination span{margin:0 5px}.pagination .current{font-weight:bold}
/* Tool pages */
.tools-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:25px;align-items:start}.tool-panel{background:white;border:1px solid #dfe8e4;box-shadow:var(--soft-shadow);border-radius:20px;padding:32px}.tool-panel h2{font-size:28px;margin:12px 0 11px}.tool-panel>p:not(.section-eyebrow){font-size:13.5px;line-height:1.75;color:#617874}.calc-form{display:grid;gap:14px;margin:23px 0}.calc-form label{display:block;font-weight:760;font-size:12px;margin-bottom:7px;color:#42665e}.calc-form input,.calc-form textarea{width:100%;display:block;border:1px solid #cfdcd5;border-radius:9px;padding:12px 14px;background:#fffdfa;color:var(--ink);font-size:15px}.calc-form input:focus,.calc-form textarea:focus{outline:2px solid #83bba7;border-color:#639f90}.calc-form .btn{justify-self:start}.calc-results{background:#eff7f1;border:1px solid #dbece2;border-radius:12px;padding:17px;margin-top:17px;min-height:57px;font-size:13px}.calc-results p:last-child{margin-bottom:0}.result-alert{color:#9f4238;font-weight:800}.result-grid{display:grid;grid-template-columns:1fr 1fr;gap:11px;margin-bottom:13px}.result-grid>div{background:#fff;padding:15px;border-radius:8px}.result-grid span{display:block;font-size:11px;color:#758f84}.result-grid strong{display:block;font-size:19px;color:#174d48}.tool-note{margin-top:20px!important;font-size:11.5px!important;color:#84918d!important}.tool-note a{color:#206c62;text-decoration:underline}.letter-output{background:#f7f7f4;border:1px solid #dfe9e4;border-radius:10px;padding:20px;margin-top:20px}.letter-output h3{font-size:17px}.letter-output pre{white-space:pre-wrap;overflow-wrap:anywhere;font-family:Georgia,serif;font-size:13px;line-height:1.65;background:white;padding:18px;border-radius:8px}.letter-actions{display:flex;gap:12px;flex-wrap:wrap}.letter-actions button{padding:12px 17px}.tool-tips{display:flex;gap:12px;align-items:start;background:#ecf6f1;border-radius:13px;padding:18px 22px;margin-bottom:25px;color:#46776c;font-size:13px}.tool-tips svg{flex-shrink:0}
/* Smaller screens */
@media (max-width:1100px){.hero-layout{gap:4%}.hero-image-wrap{height:420px}.hero h1{font-size:clamp(3rem,5.3vw,4.4rem)}.situation-grid{grid-template-columns:repeat(2,1fr)}.situation-card{min-height:225px}.article-columns{gap:5%}.nav{gap:19px}.tools-feature-grid{gap:6%}.sources-inner{grid-template-columns:65px 1fr}.sources-inner>a{grid-column:2;justify-self:start}}
@media (max-width:780px){.container{width:min(100% - 36px,1180px)}.announcement-inner{font-size:11px;min-height:30px}.announcement-inner>a{display:none}.header-row{min-height:75px}.brand-symbol{width:38px;height:38px}.brand-type strong{font-size:22px}.menu-toggle{display:block}.nav{display:none;position:absolute;left:0;right:0;top:100%;background:#fffefa;border-bottom:1px solid #e1e6e3;padding:14px 22px 22px;box-shadow:0 22px 22px #172e3020;flex-direction:column;align-items:stretch;gap:0}.nav.open{display:flex}.nav>a{padding:13px 10px}.nav .nav-cta{justify-content:center;margin-top:7px}.hero{padding:54px 0 75px}.hero-layout{grid-template-columns:1fr;gap:46px}.hero-copy{max-width:650px}.hero h1{font-size:clamp(3rem,8vw,4.3rem)}.hero-lead{font-size:16px}.hero-visual{width:min(100% - 15px,620px);margin:auto}.hero-image-wrap{height:370px;border-radius:20px 100px 20px 20px}.hero-floating{left:-8px;bottom:-25px}.section{padding:70px 0}.section-heading{align-items:start}.section-heading>p{display:none}.editorial-layout{gap:36px;grid-template-columns:1fr}.editorial-illustration{min-height:400px}.editorial-copy{max-width:670px}.guide-grid{grid-template-columns:repeat(2,1fr)}.tools-feature-grid{grid-template-columns:1fr;gap:45px}.calculator-preview{width:min(440px,100%);margin:auto}.sources-inner{grid-template-columns:1fr;gap:13px}.sources-inner>a{grid-column:auto}.footer-main{gap:35px;grid-template-columns:2fr 1fr}.footer-col:last-child{grid-column:2}.footer-bottom{flex-wrap:wrap}.article-columns{grid-template-columns:1fr}.article-sidebar{display:none}.tools-grid{grid-template-columns:1fr}}
@media(max-width:540px){.announcement-inner{justify-content:center}.announcement-inner span{font-size:10px}.container{width:calc(100% - 30px)}.hero{padding:44px 0 62px}.hero h1{font-size:clamp(2.8rem,11vw,3.8rem)}.hero-actions{display:grid;grid-template-columns:1fr}.hero-actions .btn{width:100%}.hero-proof{gap:10px 18px;font-size:11px}.hero-image-wrap{height:265px;border-radius:16px 65px 16px 16px}.hero-floating{min-width:0;max-width:92%;padding:12px 15px}.hero-floating span{font-size:10px}.alert-band{align-items:flex-start;flex-wrap:wrap;padding:18px;gap:13px}.alert-icon{height:40px;width:40px}.alert-band>div{flex-basis:calc(100% - 54px)}.alert-band>a{margin-left:53px}.section{padding:55px 0}.section-heading{margin-bottom:23px}.section-heading h2{font-size:32px}.situation-grid{grid-template-columns:1fr;gap:12px}.situation-card{min-height:0;padding:22px 23px 25px}.situation-card h3{font-size:17px}.situation-card .situation-icon{margin-bottom:12px}.situation-card p{max-width:300px}.editorial-illustration{min-height:360px}.illustration-note{padding:23px;transform:rotate(-2deg)}.editorial-copy h2{font-size:32px}.guide-grid{grid-template-columns:1fr}.guide-art{height:170px}.sources-inner{padding:25px}.sources-inner h2{font-size:24px}.footer-main{grid-template-columns:1fr 1fr;gap:28px}.footer-brand{grid-column:span 2}.footer-col:last-child{grid-column:auto}.footer-bottom{display:flex;flex-direction:column;gap:9px}.page-head{padding:42px 0 47px}.page-head h1{font-size:clamp(2.3rem,9vw,3.7rem)}.page-intro{font-size:15px}.page-content{padding:32px 0 60px}.article-top h1{font-size:35px}.article-meta{gap:7px}.article-meta span:not(:last-child):after{margin-left:7px}.tool-panel{padding:22px}.result-grid{grid-template-columns:1fr}}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{transition:none!important;animation:none!important}}
@media print{.site-header,.announcement,.site-footer,.article-sidebar,.hero,.alert-section,.nav,.btn,.print-button,.page-head .breadcrumb{display:none!important}.container{width:100%}body{color:black;font-size:12pt}.entry-content{font-size:11pt}.article-columns{display:block}.single-layout{padding:0}.article-top h1{font-size:28pt}}
.tool-panel-guide{background:#f1f6f0}.tool-panel-guide .tool-guide-graphic{display:grid;gap:12px;margin:35px 0 32px}.tool-guide-graphic>div{display:flex;align-items:center;gap:17px;padding:18px 20px;background:white;border:1px solid #dbe9e0;border-radius:13px;box-shadow:0 5px 15px #23483f0c}.tool-guide-graphic span{display:grid;place-items:center;border-radius:50%;height:43px;width:43px;background:#deeee6;color:#2d7a69;font-weight:800;font-size:12px}.tool-guide-graphic strong{font-size:14px}
/* 3.0: a quiet, task-first editorial system. Local system fonts only. */
:root{--ink:#183d3c;--ink-2:#3c5653;--muted:#526b66;--teal:#195e51;--paper:#fbfaf6;--off:#f1f1e9;--line:#d9dfd5;--radius:8px;--serif:Georgia,'Times New Roman',serif}
body{background:var(--paper);color:var(--ink)}h1,h2{letter-spacing:-.045em}.container{width:min(1180px,calc(100% - 64px))}a:focus-visible,button:focus-visible,input:focus-visible,textarea:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid #a45617;outline-offset:4px}a:hover{text-decoration-thickness:2px}.announcement{background:#1b413c}.announcement-inner{min-height:35px;font-size:12px}.site-header{border-bottom:1px solid var(--line);background:var(--paper)}.header-row{min-height:90px}.brand-type strong{font-size:25px}.brand-type small{font-size:11px;color:#526b66}.nav>a{font-size:14px}.nav .nav-cta{background:#e4eadd;border-radius:5px;color:#244b40}.btn{border-radius:5px;min-height:49px;font-size:15px;font-weight:700;box-shadow:none;padding:16px 21px}.btn-primary{background:#245b4d;box-shadow:none}.btn-outline{background:transparent;border-color:#788f7e}.hero{padding:58px 0 62px;background:var(--paper)}.hero-layout{display:grid;grid-template-columns:1.04fr 1fr;gap:6%;align-items:center}.hero h1{font-size:clamp(3.4rem,5.5vw,5.3rem);line-height:1.03;margin:19px 0 24px;max-width:650px}.hero h1 em{font-family:var(--serif);font-weight:400;color:#36634d}.hero-lead{font-size:18px;line-height:1.7;color:#49615b;max-width:540px}.eyebrow,.kicker,.section-eyebrow{color:#52674a;letter-spacing:.15em;font-size:11px}.hero-actions{display:flex;gap:12px;margin:28px 0 22px;flex-wrap:wrap}.hero-proof{display:flex;gap:10px;flex-wrap:wrap;color:#4d625b;font-size:12px;margin:0}.hero-visual{position:relative;padding:0;width:100%;margin:0}.hero-visual>img{display:block;aspect-ratio:1.12;object-fit:cover;border-radius:4px 60px 4px 4px;width:100%;filter:saturate(.65)}.hero-caption{display:flex;align-items:center;gap:17px;background:#e9ecdf;padding:19px 23px;font-size:14px;line-height:1.6;border-radius:0 0 4px 4px}.caption-number{font:italic 37px var(--serif);color:#52724f;padding-right:17px;border-right:1px solid #b6c4ac}.hero-caption strong{font-weight:650}.section{padding:74px 0}.quick-start{padding:50px 0 58px;border-top:1px solid var(--line);background:#f0f1e8}.section-heading{display:flex;align-items:end;justify-content:space-between;gap:30px;margin-bottom:30px}.section-heading h2{font-size:clamp(2rem,3.3vw,3rem);margin:9px 0 0}.section-heading>p{font-size:16px;max-width:360px;line-height:1.7;color:#526b61;margin:0}.section-more{font-size:14px;font-weight:700;color:#32573e;white-space:normal}.situation-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:15px}.situation-card{position:relative;background:#fbfaf6;padding:25px 23px;min-height:250px;border:1px solid #d7dfd0;box-shadow:none;border-radius:5px;transition:background .16s,border-color .16s}.situation-card:hover{transform:none;background:#fff;border-color:#607d59;box-shadow:none}.situation-icon{color:#477447;background:transparent;width:auto;height:auto;display:block;margin:0 0 25px}.situation-card h3{font-size:20px;line-height:1.25;max-width:210px;margin-bottom:12px}.situation-card p{font-size:14px;color:#54665d;margin:0;line-height:1.6}.situation-arrow{position:absolute;right:19px;top:22px;bottom:auto;left:auto;color:#54714d;font-size:22px}.deadline-strip{display:flex;justify-content:space-between;gap:20px;border-top:1px solid #cbd4c3;padding-top:22px;margin-top:28px;font-size:14px;align-items:center}.deadline-strip svg{margin-right:8px}.deadline-strip a{font-weight:750;white-space:nowrap;text-decoration:underline;text-underline-offset:4px}.tools-feature{background:#1d443e;color:#f5f5e9}.tools-feature .section-heading>p{color:#d0ded3}.tools-feature h2 em{font-family:var(--serif);font-weight:400;color:#d9dfb7}.light-kicker{color:#d2dab4}.tool-link-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}.tool-link-grid>a{position:relative;border:1px solid #648078;padding:29px 28px 39px;border-radius:5px;background:#264f47}.tool-link-grid>a:hover{background:#315f51;border-color:#bfcca7}.tool-link-grid>a>span{font-size:11px;font-weight:700;letter-spacing:.13em;color:#d3deb8}.tool-link-grid h3{font-size:23px;line-height:1.25;margin:21px 0 12px;max-width:240px}.tool-link-grid p{font-size:14px;color:#cfddd3;line-height:1.65;max-width:260px;margin:0}.tool-link-grid b{position:absolute;bottom:16px;right:22px;font-size:24px;font-weight:400;color:#d6e0ba}.tool-extra{display:flex;gap:25px;flex-wrap:wrap;border-top:1px solid #5d7970;margin-top:28px;padding-top:22px;font-size:14px}.tool-extra a{text-decoration:underline;text-underline-offset:4px}.tool-extra>span{color:#c3d3c7;margin-left:auto;font-size:12px}.guide-card{border-radius:5px;border-color:#dbe0d5;box-shadow:none;background:#fff}.guide-card:hover{box-shadow:none;transform:translateY(-2px)}.guide-art{height:155px;background:#e9eddc!important;border-radius:0}.guide-art-icon{background:none!important;box-shadow:none!important;color:#547348;transform:none!important}.guide-art-glow{display:none}.guide-art-mark{background:none!important;color:#567449}.guide-meta{color:#506a50;font-size:11px}.guide-card-body h3{font-size:22px;line-height:1.3}.guide-card-body p{font-size:14px;color:#53645e}.card-link{color:#30583f}.sources-section{padding:0 0 72px}.sources-inner{background:#edf0e5;border-radius:5px;grid-template-columns:50px 1fr auto;padding:35px;gap:24px}.source-badge{background:none;color:#527848;width:44px;height:44px;border-radius:0}.sources-inner h2{font-size:25px;margin-top:10px}.sources-inner p{font-size:14px;color:#51685b}.sources-inner>a{color:#315a3e;font-size:13px}.site-footer{background:#173b35;padding:52px 0 25px}.footer-col a{font-size:14px;color:#c6d9cc}.footer-brand>.footer-sub{font-size:13px;color:#bfd1c5}.footer-bottom{font-size:12px;color:#c0d0c5}.page-head{background:#edf0e5;padding:44px 0 48px}.page-head h1{font-size:clamp(2.5rem,4.7vw,4.3rem)}.page-intro{color:#4e665c}.breadcrumb{color:#4d675d}.breadcrumb a{color:#315f49}.search-wrap input{box-shadow:none;border-radius:5px;border-color:#8b9b85}.search-label{font-size:14px}.filter{border-radius:5px;color:#3e5b47;font-size:13px;padding:11px 16px;min-height:44px}.filter.active,.filter:hover{background:#315f49}.muted,.small,.tool-note{color:#50665a!important}.article-meta{color:#53695e}.article-standfirst{color:#526a5d}.article-top h1{font-size:clamp(2.5rem,4.8vw,4.3rem)}.article-disclosure{color:#3d5d4c;background:#eef2e7}.entry-content{color:#334e42;font-size:17px;line-height:1.85}.entry-content a{color:#1d6046;text-decoration-color:#739c70}.entry-content h2{color:#254c3b}.endnote{color:#53675c;font-size:13px}.sidebar-stick{background:#f3f5ed;border-color:#d1dbca;border-radius:5px}#article-toc a{color:#46664f;font-size:13px}.print-button{color:#345c43;font-size:14px;min-height:44px}.sidebar-tool{color:#245b3d;font-size:14px}
/* Toolbox: readable forms, predictable actions and contained results. */
.tool-tabs{display:flex;gap:8px;flex-wrap:wrap;margin:0 0 24px;padding:0}.tool-tabs a,.tool-tabs button{border:1px solid #a8b8a1;background:#f4f6ed;border-radius:5px;padding:12px 16px;color:#33513d;min-height:46px;font-size:14px;text-decoration:none}.tool-tabs .active,.tool-tabs [aria-current="true"],.tool-tabs [aria-selected="true"]{background:#275e47;color:white;border-color:#275e47}.tool-panel{border:1px solid #d0dacb;border-radius:6px;box-shadow:none;padding:32px;max-width:100%;margin:0 0 25px}.tool-panel h2{font-size:30px;line-height:1.2}.tool-panel p,.tool-panel>p:not(.section-eyebrow){font-size:15px;color:#4f665a;line-height:1.7}.tool-panel h3{margin:24px 0 12px;font-size:22px}.tool-panel fieldset{border:1px solid #d1dccb;border-radius:5px;padding:20px;margin:20px 0;min-width:0}.tool-panel legend{font-weight:700;font-size:15px;padding:0 7px}.tool-panel label,.field label{font-size:14px;font-weight:650;display:block;margin-bottom:7px;color:#35543f}.field{margin-bottom:16px;min-width:0}.tool-panel input:not([type=checkbox]),.tool-panel select,.tool-panel textarea{width:100%;max-width:100%;border:1px solid #839b7d;border-radius:4px;padding:11px 12px;background:#fff;color:#1c4130;min-height:46px;font:inherit}.tool-panel input[type=checkbox]{width:20px;height:20px;vertical-align:middle;margin-right:8px}.tool-panel textarea{min-height:100px;resize:vertical}.tool-panel input:disabled,.tool-panel button:disabled,.tool-panel textarea:disabled,.tool-panel select:disabled{opacity:.6;cursor:not-allowed}.button,.tool-panel button{display:inline-flex;align-items:center;justify-content:center;border:1px solid #2c5e43;border-radius:4px;min-height:44px;padding:11px 18px;background:#2c5e43;color:#fff;font:600 14px/1.4 var(--sans);cursor:pointer;margin:4px 6px 4px 0}.button-secondary,.tool-panel .button-secondary{background:#f2f5eb;color:#31553a;border-color:#96ac8c}.tool-panel button:hover{filter:brightness(.92)}.tool-panel .button-danger{background:#fff3eb;color:#783f2d;border-color:#ad7d66}.tool-panel .actions,.tool-panel .form-actions{display:flex;gap:8px;flex-wrap:wrap;margin:18px 0}.tool-panel .form-grid,.tool-panel .fields-grid,.tool-panel .debt-fields{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}.result{margin:24px 0;padding:24px;background:#edf3e7;border:1px solid #bfceb3;border-radius:5px;overflow-wrap:anywhere}.result:empty{display:none}.result p{color:#36533f}.result h3{margin-top:0}.result table,.tool-panel table{width:100%;border-collapse:collapse;font-size:14px}.result th,.result td,.tool-panel th,.tool-panel td{text-align:left;padding:12px;border-bottom:1px solid #c7d5bd;vertical-align:top}.result th,.tool-panel th{background:#e3ebd9;font-weight:700}.table-wrap,.table-scroll{overflow-x:auto;max-width:100%;margin:15px 0}.tool-panel pre{white-space:pre-wrap;overflow-wrap:anywhere;background:white;padding:22px;font:15px/1.75 Georgia,serif;border:1px solid #d4dfca}.tool-panel details{margin:18px 0;background:#f5f6ef;padding:15px;border:1px solid #d7dece;border-radius:4px}.tool-panel summary{cursor:pointer;font-weight:650;min-height:30px}.tool-panel .error,.error-summary{background:#fff2e8;border-left:4px solid #9b4d28;color:#742f1c;padding:15px}.tool-panel small,.tool-panel .help,.tool-panel .hint{font-size:13px;line-height:1.6;color:#50664f}.privacy-strip,.tool-tips{background:#e8efdf;color:#365238;padding:18px 22px;border-radius:4px;font-size:14px}.tool-panel li{margin:7px 0}.tool-panel .debt-row{border-top:1px solid #ccd8c1;margin-top:20px;padding-top:20px}.tool-panel .metric-grid,.tool-panel .result-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}.tool-panel .metric-grid>div,.tool-panel .result-grid>div{padding:20px;background:white}.tool-panel .metric-grid strong,.tool-panel .result-grid strong{font-size:24px;color:#245139}.tool-panel :target{scroll-margin-top:25px}.tool-panel a:not(.button){text-decoration:underline;text-underline-offset:3px;color:#245d3d}.tool-panel .status{font-size:14px;color:#365d3c}
@media(max-width:1000px){.situation-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.situation-card{min-height:220px}.nav{gap:17px}.hero h1{font-size:4rem}.sources-inner{grid-template-columns:45px 1fr}.sources-inner>a{grid-column:2}.tool-extra>span{margin-left:0}}
@media(max-width:780px){.container{width:calc(100% - 36px)}.header-row{min-height:77px}.hero{padding:38px 0 42px}.hero-layout{grid-template-columns:1fr;gap:30px}.hero h1{font-size:clamp(3.5rem,10vw,4.7rem);margin:15px 0 20px}.hero-visual{max-width:650px}.hero-visual>img{aspect-ratio:1.8;border-radius:4px 40px 0 0}.hero-caption{padding:15px 20px}.hero-lead{font-size:17px}.hero-proof{font-size:12px}.section{padding:50px 0}.section-heading{align-items:start;gap:20px}.section-heading>p{display:block}.tools-feature .section-heading{display:block}.tools-feature .section-heading>p{margin-top:20px;max-width:540px}.tool-link-grid{grid-template-columns:1fr}.tool-link-grid>a{padding:22px 25px}.tool-link-grid h3{max-width:none;margin-top:12px}.tool-link-grid p{max-width:88%}.tool-extra{gap:17px}.deadline-strip{display:block}.deadline-strip>span{display:block;margin-bottom:12px}.sources-section{padding-bottom:45px}.sources-inner{padding:26px}.sources-inner h2{font-size:24px}.nav{position:static;display:flex;flex-wrap:wrap;box-shadow:none;background:var(--paper);padding:10px 0;border:0;flex-direction:row}.header-row{flex-wrap:wrap;gap:10px}.js .nav{display:none;position:absolute;top:100%;left:0;right:0;padding:16px 22px;background:var(--paper);border-bottom:1px solid #a4b49c;flex-direction:column}.js .nav.open{display:flex}.menu-toggle{display:none}.js .menu-toggle{display:block}.tool-panel{padding:23px}.tool-panel .form-grid,.tool-panel .fields-grid,.tool-panel .debt-fields{grid-template-columns:1fr}.guide-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.section-more{font-size:13px;max-width:130px}.article-sidebar{display:block;margin-top:30px}.sidebar-stick{position:static}}
@media(max-width:520px){.container{width:calc(100% - 32px)}.announcement-inner>span{font-size:10px}.hero h1{font-size:3.5rem}.hero-actions{display:grid;grid-template-columns:1fr}.hero-actions .btn{width:100%}.hero-proof{gap:8px;font-size:11px}.hero-visual>img{aspect-ratio:1.5}.hero-caption{font-size:12px}.situation-grid{grid-template-columns:1fr;gap:12px}.situation-card{min-height:0;padding:22px 24px}.situation-icon{margin-bottom:16px}.situation-card h3{max-width:100%;font-size:20px}.situation-card p{max-width:100%}.section-heading{display:block}.section-heading .section-more{display:block;max-width:none;margin-top:18px}.quick-start{padding:35px 0 40px}.guide-grid{grid-template-columns:1fr}.sources-inner{grid-template-columns:1fr;gap:16px}.sources-inner>a{grid-column:auto}.footer-col h3{font-size:11px}.tool-panel{padding:19px 16px}.tool-panel fieldset{padding:15px 12px}.tool-panel h2{font-size:27px}.tool-tabs{display:grid;grid-template-columns:1fr 1fr}.tool-tabs a{padding:12px;font-size:13px}.tool-panel .metric-grid,.tool-panel .result-grid{grid-template-columns:1fr}.result{padding:17px 13px}.page-head h1{font-size:2.5rem}.narrow{width:calc(100% - 32px)}.article-top h1{font-size:2.3rem}.entry-content{font-size:16px}}
@media print{.tool-tabs,.tool-panel form,.tool-panel button,.tool-tips,.tool-extra{display:none!important}.tool-panel{border:0;box-shadow:none}.result{background:white;border:1px solid #aaa}.tool-panel pre{border:0}.sources-section{display:none}.article-sidebar{display:none!important}}
@media(min-width:781px){.tool-panel .debt-row{display:grid;grid-template-columns:1.3fr 1fr .7fr 1fr auto;gap:14px;align-items:end}.tool-panel .debt-row .field{margin:0}.tool-panel .debt-row button{margin:0 0 1px;padding:11px 12px}.tool-panel .debt-row label{min-height:24px;font-size:13px}}
.tool-actions{display:flex;gap:8px;flex-wrap:wrap;margin:18px 0}.tool-panel .record-list{overflow-wrap:anywhere}.tool-tabs a[aria-current="page"]{background:#275e47;color:white;border-color:#275e47}
.tool-tips{display:block}.tool-tips strong{margin-right:5px}.tool-panel .chart-region{overflow:auto}.tool-panel svg{max-width:100%}.tool-panel .result svg{max-width:none}