:root{--navy:#102a2e;--navy-2:#17373b;--cream:#f6f1e7;--paper:#fffdf8;--green:#2d7055;--green-2:#dce9df;--sage:#a9c3b5;--coral:#e9856b;--ink:#142e31;--muted:#667573;--line:#d8ddd6;--white:#fff;--serif:"DM Serif Display",Georgia,serif;--sans:"DM Sans",Arial,sans-serif;--shadow:0 24px 70px rgba(16,42,46,.12)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--cream);color:var(--ink);font-family:var(--sans);font-size:16px;line-height:1.55;-webkit-font-smoothing:antialiased}button,input,select{font:inherit}button{color:inherit}a{color:inherit;text-decoration:none}.shell{width:min(1180px,calc(100% - 48px));margin-inline:auto}.skip-link{position:fixed;left:18px;top:-80px;background:var(--white);padding:12px 18px;z-index:100;border-radius:6px}.skip-link:focus{top:18px}.site-header{height:84px;display:flex;align-items:center;border-bottom:1px solid rgba(16,42,46,.1);background:rgba(246,241,231,.92);backdrop-filter:blur(14px);position:sticky;top:0;z-index:50}.nav-wrap{display:flex;align-items:center;justify-content:space-between}.brand{display:inline-flex;align-items:center;gap:11px;font-size:19px;font-weight:700;letter-spacing:-.4px}.brand-mark{display:grid;place-items:center;width:34px;height:34px;background:var(--green);color:var(--cream);border-radius:50%;font-family:var(--serif);font-size:22px;font-weight:400}.desktop-nav{display:flex;align-items:center;gap:34px;margin-left:auto;margin-right:48px}.desktop-nav a{font-size:14px;font-weight:500}.desktop-nav a:hover{color:var(--green)}.nav-actions{display:flex;align-items:center;gap:13px}.currency-label{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}.currency-select{border:0;background:transparent;font-size:13px;font-weight:600;color:var(--ink);padding:8px;cursor:pointer}.button{border:0;border-radius:4px;padding:14px 20px;display:inline-flex;align-items:center;justify-content:center;gap:18px;font-weight:600;font-size:14px;cursor:pointer;transition:transform .2s,background .2s,color .2s}.button:hover{transform:translateY(-2px)}.button-small{padding:10px 16px;font-size:13px}.button-dark{background:var(--navy);color:var(--white)}.button-primary{background:var(--green);color:var(--white)}.button-primary:hover{background:#235b45}.button-ghost{background:transparent;border:1px solid rgba(16,42,46,.23)}.button-coral{background:var(--coral);color:var(--navy);padding:16px 22px}.hero{padding:86px 0 96px;overflow:hidden}.hero-grid{display:grid;grid-template-columns:1.02fr .98fr;gap:74px;align-items:center}.eyebrow{font-size:12px;text-transform:uppercase;letter-spacing:2px;font-weight:700;color:var(--green);display:flex;align-items:center;gap:10px;margin:0 0 24px}.eyebrow span{display:inline-block;width:24px;height:2px;background:currentColor}.eyebrow.light{color:var(--sage)}h1,h2{font-family:var(--serif);font-weight:400;line-height:.98;letter-spacing:-2px;margin:0}.hero h1{font-size:clamp(62px,7.2vw,100px);color:var(--navy)}.hero h1 em{font-style:italic;color:var(--green)}.hero-lede{font-size:18px;line-height:1.65;color:#536562;max-width:590px;margin:30px 0 32px}.hero-actions{display:flex;align-items:center;gap:28px}.hero-actions .button{padding:16px 22px}.text-link{font-size:14px;font-weight:600;border-bottom:1px solid rgba(16,42,46,.35);padding-bottom:4px}.trust-row{display:flex;flex-wrap:wrap;gap:20px;margin-top:40px;color:#647470;font-size:12px}.trust-row span{display:flex;align-items:center;gap:7px}.trust-row b{width:17px;height:17px;display:grid;place-items:center;border:1px solid var(--sage);border-radius:50%;font-size:10px;color:var(--green)}.hero-visual{position:relative;min-height:525px;display:flex;align-items:center;justify-content:center}.hero-visual:before{content:"";position:absolute;width:520px;height:520px;border:1px solid rgba(45,112,85,.13);border-radius:50%}.hero-visual:after{content:"";position:absolute;width:390px;height:390px;border:1px solid rgba(45,112,85,.1);border-radius:50%}.example-card{width:min(100%,455px);background:var(--paper);border:1px solid rgba(16,42,46,.13);box-shadow:var(--shadow);padding:29px 30px 24px;position:relative;z-index:2;transform:rotate(1.2deg)}.example-card:before{content:"";position:absolute;left:14px;right:-14px;bottom:-14px;top:14px;border:1px solid rgba(16,42,46,.18);z-index:-1}.example-top{display:flex;justify-content:space-between;align-items:center;font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:1.1px}.live-pill{background:var(--green-2);color:var(--green);padding:4px 8px;border-radius:20px;font-size:9px}.example-label{font-size:13px;color:var(--muted);margin:27px 0 2px}.example-value{font-family:var(--serif);font-size:52px;line-height:1.1;letter-spacing:-2px}.example-note{font-size:11px;color:#82908d;margin:2px 0 16px}.mini-chart{height:150px;position:relative;border-bottom:1px solid #b9c8bf;overflow:hidden}.chart-grid{position:absolute;inset:0;background:linear-gradient(to right,transparent 24.5%,rgba(45,112,85,.1) 25%,transparent 25.5%,transparent 49.5%,rgba(45,112,85,.1) 50%,transparent 50.5%,transparent 74.5%,rgba(45,112,85,.1) 75%,transparent 75.5%),linear-gradient(to bottom,transparent 32.5%,rgba(45,112,85,.1) 33%,transparent 33.5%,transparent 65.5%,rgba(45,112,85,.1) 66%,transparent 66.5%)}.chart-area{position:absolute;inset:12px 8px 0;background:linear-gradient(165deg,transparent 0 34%,rgba(45,112,85,.1) 34.5% 100%);clip-path:polygon(0 92%,25% 84%,50% 68%,75% 41%,100% 0,100% 100%,0 100%)}.chart-line{position:absolute;inset:12px 8px 0;border-bottom:0;clip-path:polygon(0 90%,25% 82%,50% 65%,75% 38%,100% 0,100% 3%,75% 42%,50% 69%,25% 86%,0 94%);background:var(--green)}.mini-chart i{position:absolute;width:8px;height:8px;border:2px solid var(--green);background:var(--paper);border-radius:50%;transform:translate(-50%,50%)}.chart-labels{display:flex;justify-content:space-between;font-size:9px;color:#82908d;margin-top:5px}.example-breakdown{border-top:1px solid var(--line);display:grid;grid-template-columns:1fr 1fr;margin-top:20px;padding-top:18px}.example-breakdown div{display:flex;flex-direction:column}.example-breakdown div+div{padding-left:22px;border-left:1px solid var(--line)}.example-breakdown span{font-size:10px;color:#7b8986}.example-breakdown strong{font-size:14px}.green{color:var(--green)}.floating-note{position:absolute;z-index:3;right:-24px;bottom:36px;background:var(--navy);color:var(--white);padding:15px 20px;box-shadow:0 13px 30px rgba(16,42,46,.22);transform:rotate(-2deg);display:flex;flex-direction:column}.floating-note span{font-size:9px;text-transform:uppercase;letter-spacing:1.3px;color:var(--sage)}.floating-note strong{font-family:var(--serif);font-size:17px;font-weight:400}.quick-strip{background:var(--navy);color:var(--white);border-bottom:1px solid rgba(255,255,255,.1)}.quick-grid{display:grid;grid-template-columns:1.25fr repeat(4,1fr);min-height:100px;align-items:stretch}.quick-grid>p{margin:0;display:flex;align-items:center;font-family:var(--serif);font-size:20px;padding-right:28px}.quick-grid button{border:0;border-left:1px solid rgba(255,255,255,.12);background:transparent;color:#d8e5df;text-align:left;padding:0 22px;cursor:pointer;font-size:12px;transition:background .2s}.quick-grid button:hover{background:rgba(255,255,255,.05)}.quick-icon{display:block;font-size:20px;color:var(--sage);margin-bottom:5px}.tools-section{padding:120px 0;background:var(--paper)}.section-heading{display:grid;grid-template-columns:1.25fr .75fr;gap:90px;align-items:end}.section-heading h2,.calculator-header h2,.principles h2,.guides h2,.closing-cta h2{font-size:clamp(48px,5vw,70px);color:var(--navy)}.section-heading>p{font-size:16px;color:var(--muted);max-width:390px;margin:0 0 8px}.section-heading.compact h2{font-size:56px}.filter-row{display:flex;gap:8px;flex-wrap:wrap;margin:54px 0 30px}.filter{border:1px solid var(--line);border-radius:30px;background:transparent;padding:9px 16px;font-size:12px;cursor:pointer}.filter:hover,.filter.active{background:var(--navy);border-color:var(--navy);color:var(--white)}.tool-grid{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid var(--line);border-left:1px solid var(--line)}.tool-card{min-height:340px;padding:30px;display:flex;flex-direction:column;border-right:1px solid var(--line);border-bottom:1px solid var(--line);position:relative;transition:background .2s}.tool-card:hover{background:var(--cream)}.tool-card.featured{background:var(--navy);color:var(--white)}.tool-card.featured:hover{background:var(--navy-2)}.card-number{position:absolute;right:24px;top:22px;font-family:var(--serif);font-size:12px;color:#98a39f}.card-icon{width:54px;height:54px;border:1px solid var(--sage);border-radius:50%;display:grid;place-items:center;font-family:var(--serif);font-size:20px;color:var(--green);margin-bottom:auto}.featured .card-icon{background:var(--green);border-color:var(--green);color:white}.tool-card>p{text-transform:uppercase;letter-spacing:1.5px;color:var(--coral);font-size:9px;font-weight:700;margin:0 0 9px}.tool-card h3{font-family:var(--serif);font-size:27px;font-weight:400;line-height:1.1;margin:0 0 12px}.tool-card>span{font-size:13px;line-height:1.55;color:var(--muted);max-width:290px}.featured>span{color:#b8cbc4}.tool-card>button{border:0;background:transparent;padding:0;margin-top:28px;text-align:left;font-size:12px;font-weight:700;cursor:pointer;align-self:flex-start}.tool-card>button b{color:var(--green);margin-left:10px}.featured>button b{color:var(--sage)}.calculator-section{background:var(--navy);color:var(--white);padding:110px 0}.calculator-header{display:grid;grid-template-columns:1fr 270px;align-items:end;gap:50px;margin-bottom:42px}.calculator-header h2{color:var(--white);font-size:58px}.calculator-header>div>p:last-child{color:#afc2bb;margin:16px 0 0;max-width:660px}.tool-picker-label{font-size:11px;color:#9eb0aa;text-transform:uppercase;letter-spacing:1.2px}.tool-picker-label select{display:block;width:100%;margin-top:8px;background:var(--paper);border:0;border-radius:3px;padding:13px 14px;color:var(--ink)}.calculator-shell{display:grid;grid-template-columns:.85fr 1.15fr;background:var(--paper);color:var(--ink);box-shadow:0 30px 90px rgba(0,0,0,.18)}.input-panel{padding:36px;border-right:1px solid var(--line)}.input-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px 16px}.field{display:flex;flex-direction:column;gap:7px}.field.full{grid-column:1/-1}.field label{font-size:11px;font-weight:700;color:#53635f}.input-wrap{position:relative}.input-wrap input{width:100%;height:48px;border:1px solid #cfd7d2;background:white;padding:0 42px 0 13px;border-radius:3px;color:var(--ink);outline:none}.input-wrap input:focus{border-color:var(--green);box-shadow:0 0 0 3px rgba(45,112,85,.12)}.input-affix{position:absolute;right:13px;top:50%;transform:translateY(-50%);font-size:11px;font-weight:700;color:#899692;pointer-events:none}.field small{font-size:9px;color:#84908e}.form-actions{display:flex;gap:10px;margin-top:28px}.input-footnote{font-size:9px;color:#86938f;margin:18px 0 0}.result-panel{padding:38px 42px;background:#eef3ed;position:relative}.result-kicker{text-transform:uppercase;letter-spacing:1.5px;font-weight:700;color:var(--green);font-size:10px;margin:0}.result-panel h3{font-family:var(--serif);font-weight:400;font-size:62px;line-height:1;margin:9px 0 8px;letter-spacing:-2px}.result-summary{font-size:12px;color:#61706d;margin:0 0 26px}.result-stats{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid #cbd6cf;border-bottom:1px solid #cbd6cf;margin-bottom:22px}.stat{padding:14px 10px}.stat+.stat{border-left:1px solid #cbd6cf}.stat span{display:block;font-size:9px;color:#7a8985;margin-bottom:3px}.stat strong{font-size:14px}.canvas-wrap{height:230px;position:relative}.canvas-wrap canvas{width:100%;height:100%}.result-actions{display:flex;align-items:center;gap:12px;margin-top:8px}.result-actions button{border:0;background:transparent;color:var(--green);text-decoration:underline;cursor:pointer;padding:0;font-size:10px}.result-actions span{font-size:10px;color:var(--muted)}.table-details{background:var(--paper);color:var(--ink);border-top:1px solid var(--line)}.table-details summary{list-style:none;padding:18px 24px;display:flex;justify-content:space-between;cursor:pointer;font-weight:600;font-size:12px}.table-details summary::-webkit-details-marker{display:none}.table-scroll{max-height:380px;overflow:auto;border-top:1px solid var(--line)}table{width:100%;border-collapse:collapse;font-size:12px}th,td{padding:12px 24px;text-align:right;border-bottom:1px solid #e6e9e5}th:first-child,td:first-child{text-align:left}th{position:sticky;top:0;background:#f4f6f2;text-transform:uppercase;letter-spacing:1px;font-size:9px}.principles{padding:120px 0}.principles-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:110px}.principle-list article{display:grid;grid-template-columns:50px 1fr;gap:20px;padding:30px 0;border-top:1px solid rgba(16,42,46,.16)}.principle-list article:last-child{border-bottom:1px solid rgba(16,42,46,.16)}.principle-list>b,.principle-list article>b{font-family:var(--serif);color:var(--green);font-weight:400}.principle-list h3{font-family:var(--serif);font-size:26px;font-weight:400;margin:0 0 6px}.principle-list p{color:var(--muted);font-size:14px;margin:0;max-width:530px}.guides{padding:110px 0;background:var(--green-2)}.guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:rgba(16,42,46,.12);margin-top:52px}.guide-grid article{background:var(--green-2);padding:34px 32px}.guide-grid article:hover{background:#d4e4d8}.guide-grid span{font-size:9px;text-transform:uppercase;letter-spacing:1.4px;color:var(--green);font-weight:700}.guide-grid h3{font-family:var(--serif);font-size:27px;line-height:1.15;font-weight:400;margin:25px 0 13px}.guide-grid p{font-size:13px;color:var(--muted);min-height:42px}.guide-grid a{display:inline-block;margin-top:25px;font-size:11px;font-weight:700}.closing-cta{background:var(--navy);color:var(--white);padding:110px 0;text-align:center}.closing-cta .eyebrow{justify-content:center}.closing-cta h2{color:var(--white);font-size:76px;margin-bottom:36px}.closing-cta .button{margin:auto}footer{background:#091c1f;color:#b6c6c0;padding:65px 0 26px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:60px}.footer-brand{color:var(--white);margin-bottom:14px}.footer-grid>div>p{font-size:12px;color:#758a83}.footer-grid>div:not(:first-child){display:flex;flex-direction:column;align-items:flex-start;gap:8px}.footer-grid h3{color:var(--white);font-size:11px;text-transform:uppercase;letter-spacing:1.4px;margin:0 0 12px}.footer-grid a:not(.brand){font-size:12px}.footer-grid a:hover{color:var(--white)}.legal{border-top:1px solid rgba(255,255,255,.1);margin-top:55px;padding-top:22px;display:flex;justify-content:space-between;gap:30px;font-size:9px;color:#6f837d}.not-found{min-height:100vh;display:flex;flex-direction:column;justify-content:center;align-items:flex-start;width:min(760px,calc(100% - 48px));margin:auto}.not-found .brand{margin-bottom:80px}.not-found h1{font-size:90px}.not-found>p:not(.eyebrow){color:var(--muted);font-size:18px}.not-found .button{margin-top:20px}
@media(max-width:980px){.desktop-nav{display:none}.hero{padding-top:62px}.hero-grid{grid-template-columns:1fr;gap:40px}.hero-copy{max-width:700px}.hero-visual{min-height:480px}.floating-note{right:2%}.quick-grid{grid-template-columns:1fr 1fr}.quick-grid>p{grid-column:1/-1;padding:22px 0}.quick-grid button{min-height:78px;border-top:1px solid rgba(255,255,255,.12)}.tool-grid{grid-template-columns:1fr 1fr}.section-heading,.principles-grid{gap:50px}.calculator-shell{grid-template-columns:1fr}.input-panel{border-right:0;border-bottom:1px solid var(--line)}.footer-grid{grid-template-columns:1.5fr 1fr 1fr}}
@media(max-width:700px){.shell{width:min(100% - 32px,1180px)}.site-header{height:72px}.nav-actions .button{display:none}.currency-select{font-size:11px}.hero{padding:52px 0 70px}.hero h1{font-size:59px;letter-spacing:-1.4px}.hero-lede{font-size:16px}.hero-actions{align-items:flex-start;flex-direction:column;gap:18px}.trust-row{gap:12px}.hero-visual{min-height:390px}.hero-visual:before{width:390px;height:390px}.hero-visual:after{width:290px;height:290px}.example-card{padding:22px;width:92%}.example-value{font-size:43px}.mini-chart{height:120px}.floating-note{display:none}.quick-grid{grid-template-columns:1fr}.quick-grid>p{grid-column:auto}.quick-grid button{border-left:0}.tools-section,.principles,.guides,.calculator-section{padding:78px 0}.section-heading,.calculator-header,.principles-grid{grid-template-columns:1fr;gap:24px}.section-heading h2,.principles h2,.guides h2{font-size:48px}.section-heading>p{font-size:14px}.filter-row{margin-top:35px}.tool-grid{grid-template-columns:1fr}.tool-card{min-height:300px}.calculator-header h2{font-size:47px}.calculator-header{margin-bottom:28px}.input-panel,.result-panel{padding:25px 20px}.input-grid{grid-template-columns:1fr}.field.full{grid-column:auto}.result-panel h3{font-size:49px}.result-stats{grid-template-columns:1fr 1fr}.stat:nth-child(3){grid-column:1/-1;border-left:0;border-top:1px solid #cbd6cf}.guide-grid{grid-template-columns:1fr}.guide-grid article+article{border-top:1px solid rgba(16,42,46,.12)}.closing-cta{padding:78px 0}.closing-cta h2{font-size:55px}.footer-grid{grid-template-columns:1fr 1fr}.footer-grid>div:first-child{grid-column:1/-1}.legal{flex-direction:column}.not-found h1{font-size:60px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
.footer-grid{grid-template-columns:2fr 1fr}
@media(max-width:700px){.footer-grid{grid-template-columns:1fr 1fr}}
.tool-card>a{border:0;background:transparent;padding:0;margin-top:28px;text-align:left;font-size:12px;font-weight:700;cursor:pointer;align-self:flex-start}.tool-card>a b{color:var(--green);margin-left:10px}.featured>a b{color:var(--sage)}
.tool-directory-controls{margin:48px 0 30px}.tool-search{display:block;max-width:620px}.tool-search>label{display:block;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:1.2px;color:var(--green);margin-bottom:9px}.tool-search-field{display:block;width:100%}.tool-search input{display:block;width:100%;height:52px;border:1px solid var(--line);border-radius:3px;background:white;padding:0 16px;font:inherit;font-size:14px;color:var(--ink);outline:none}.tool-search input:focus{border-color:var(--green);box-shadow:0 0 0 3px rgba(45,112,85,.12)}.tool-directory-controls .filter-row{margin:20px 0 8px}.tool-search-status{font-size:11px;color:var(--muted);margin:0}.tool-card[hidden]{display:none}
.footer-grid{grid-template-columns:2fr 1fr 1fr}.ad-slot:empty{display:none}.ad-slot{width:min(100% - 48px,970px);margin:36px auto;padding:18px;text-align:center;border:1px solid var(--line);background:var(--paper);font-size:10px;color:var(--muted)}.method-link{display:inline-block;margin-top:24px;color:var(--green);font-size:12px;font-weight:700}.content-page{padding:76px 0 110px}.content-hero{max-width:850px;margin-bottom:58px}.content-hero h1{font-size:clamp(58px,7vw,92px);color:var(--navy)}.content-hero>p:last-child{font-size:18px;line-height:1.65;color:var(--muted);max-width:720px}.content-grid{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:90px;align-items:start}.prose h2{font-family:var(--serif);font-size:38px;font-weight:400;line-height:1.1;color:var(--navy);margin:52px 0 16px}.prose h2:first-child{margin-top:0}.prose h3{font-family:var(--serif);font-size:24px;font-weight:400;color:var(--navy);margin:32px 0 10px}.prose p,.prose li{font-size:15px;line-height:1.75;color:var(--muted)}.prose a{color:var(--green);text-decoration:underline}.prose ul{padding-left:20px}.trust-card{background:var(--green-2);padding:28px;position:sticky;top:112px}.trust-card h2{font-family:var(--serif);font-size:29px;font-weight:400;margin:0 0 14px}.trust-card p,.trust-card a{font-size:12px;line-height:1.6;color:var(--muted)}.trust-card a{display:block;color:var(--green);font-weight:700;margin-top:10px}.contact-box{background:var(--cream);border:1px solid var(--line);padding:28px;margin-top:30px}.contact-box strong{display:block;margin-bottom:7px}
@media(max-width:800px){.content-grid{grid-template-columns:1fr;gap:42px}.trust-card{position:static}.content-page{padding:55px 0 78px}}
@media(max-width:700px){.footer-grid{grid-template-columns:1fr 1fr}.footer-grid>div:first-child{grid-column:1/-1}}
.tool-card{cursor:pointer}.tool-card>a::after{content:"";position:absolute;inset:0;z-index:2}.tool-card:focus-within{outline:2px solid var(--green);outline-offset:3px}.tool-card>a:focus{outline:none}
.calculator-page-hero{padding:74px 0 82px;background:var(--cream)}.breadcrumbs{display:flex;align-items:center;gap:9px;color:#7a8985;font-size:11px;margin-bottom:55px}.breadcrumbs a:hover{color:var(--green)}.calculator-page-hero h1{font-size:clamp(58px,7vw,94px);max-width:940px;color:var(--navy)}.calculator-page-hero>div>p:not(.eyebrow){font-size:18px;color:var(--muted);max-width:720px;margin:26px 0 30px}.calculator-page-tool{padding-top:90px}.tool-purpose{padding:110px 0;background:var(--paper)}.purpose-grid{display:grid;grid-template-columns:1fr 1fr;gap:100px;align-items:start}.purpose-grid h2,.faq-heading h2,.related-tools h2{font-family:var(--serif);font-weight:400;font-size:48px;line-height:1.05;letter-spacing:-1px;margin:0;color:var(--navy)}.purpose-grid ul{list-style:none;padding:0;margin:35px 0 0}.purpose-grid li{position:relative;padding:18px 0 18px 34px;border-top:1px solid var(--line);font-size:14px}.purpose-grid li:last-child{border-bottom:1px solid var(--line)}.purpose-grid li:before{content:"✓";position:absolute;left:5px;color:var(--green);font-weight:700}.method-card{background:var(--cream);padding:38px}.method-card h2{font-size:35px}.method-card h3{font-size:11px;text-transform:uppercase;letter-spacing:1.4px;margin:30px 0 9px}.method-card p{font-size:14px;color:var(--muted);margin:14px 0 0}.faq-heading{margin-top:90px}.faq-heading h2{font-size:42px}.faq-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);margin-top:30px}.faq-grid details{background:var(--paper);padding:24px}.faq-grid summary{list-style:none;font-family:var(--serif);font-size:21px;line-height:1.2;cursor:pointer;display:flex;justify-content:space-between;gap:20px}.faq-grid summary::-webkit-details-marker{display:none}.faq-grid summary span{color:var(--green);font-family:var(--sans)}.faq-grid p{font-size:12px;color:var(--muted);margin:17px 0 0}.related-tools{padding:90px 0;background:var(--navy);color:var(--white)}.related-tools h2{color:var(--white)}.related-grid{display:grid;grid-template-columns:repeat(3,1fr);margin-top:38px;border-top:1px solid rgba(255,255,255,.15);border-left:1px solid rgba(255,255,255,.15)}.related-grid a{display:flex;justify-content:space-between;align-items:center;padding:24px;border-right:1px solid rgba(255,255,255,.15);border-bottom:1px solid rgba(255,255,255,.15);font-size:13px}.related-grid a:hover{background:rgba(255,255,255,.05)}.related-grid b{color:var(--sage)}.noscript{background:#fff3cd;color:#654d03;padding:14px;margin:0;font-size:12px}
@media(max-width:800px){.purpose-grid{grid-template-columns:1fr;gap:40px}.faq-grid,.related-grid{grid-template-columns:1fr}.calculator-page-hero{padding:52px 0 62px}.breadcrumbs{margin-bottom:38px}.calculator-page-hero h1{font-size:55px}.tool-purpose{padding:78px 0}.purpose-grid h2,.faq-heading h2,.related-tools h2{font-size:40px}.method-card{padding:28px}.faq-heading{margin-top:65px}}
.source-links{display:grid;gap:8px;margin:12px 0 4px}.source-links a{font-size:12px;color:var(--green);text-decoration:underline;text-underline-offset:3px}.source-links a:hover{color:var(--navy)}
.guide-hero{padding:72px 0 76px;background:var(--cream);border-bottom:1px solid var(--line)}.guide-hero-inner{max-width:940px}.guide-hero .breadcrumbs{margin-bottom:50px}.guide-hero h1,.guides-index-hero h1{font-family:var(--serif);font-weight:400;font-size:clamp(56px,7vw,90px);line-height:.98;letter-spacing:-2px;color:var(--navy);margin:0}.guide-lede{font-size:20px;line-height:1.65;color:var(--muted);max-width:760px;margin:28px 0 24px}.byline{display:flex;flex-wrap:wrap;gap:9px 24px;color:#71817d;font-size:11px}.byline a{color:var(--green);text-decoration:underline;text-underline-offset:2px}.guide-layout{display:grid;grid-template-columns:minmax(0,760px) 270px;justify-content:space-between;gap:76px;padding-top:82px;padding-bottom:100px}.guide-article{min-width:0}.guide-article>h2{font-family:var(--serif);font-weight:400;font-size:38px;line-height:1.12;letter-spacing:-.7px;color:var(--navy);margin:56px 0 16px}.guide-article>h2:first-child{margin-top:0}.guide-article p,.guide-article li{font-size:16px;line-height:1.78;color:#4f625e}.guide-article p{margin:0 0 19px}.guide-article ul,.guide-article ol{padding-left:23px;margin:20px 0 28px}.guide-article li{padding:4px 0}.guide-article strong{color:var(--ink)}.example-table{overflow-x:auto;margin:30px 0}.example-table table{min-width:560px;border-top:1px solid var(--line);border-left:1px solid var(--line)}.example-table th,.example-table td{padding:14px 16px;text-align:left;border-right:1px solid var(--line);font-size:12px}.example-table th{position:static;background:var(--green-2);color:var(--green)}.calculator-cta{background:var(--navy);color:var(--white);padding:38px;margin:58px 0}.calculator-cta h2{font-family:var(--serif);font-size:38px;font-weight:400;line-height:1.1;letter-spacing:-.5px;margin:0 0 14px;color:var(--white)}.calculator-cta p:not(.eyebrow){color:#b9cbc5;font-size:14px;line-height:1.65;margin:0 0 25px}.inline-tool-links{display:grid;grid-template-columns:1fr 1fr;border-top:1px solid var(--line);border-left:1px solid var(--line);margin:23px 0 55px}.inline-tool-links a{display:flex;align-items:center;justify-content:space-between;gap:18px;padding:20px;border-right:1px solid var(--line);border-bottom:1px solid var(--line);font-size:13px}.inline-tool-links a:hover{background:var(--cream)}.inline-tool-links b{color:var(--green)}.guide-sources{border-top:1px solid var(--line);padding-top:12px}.guide-sources h2{font-family:var(--serif);font-weight:400;font-size:31px;color:var(--navy);margin:26px 0 12px}.guide-sources p,.guide-sources li{font-size:12px;line-height:1.65}.guide-sources ul{list-style:none;padding:0;margin:15px 0}.guide-sources li{padding:4px 0}.guide-sources a{color:var(--green);text-decoration:underline;text-underline-offset:3px}.guide-sidebar{align-self:start;position:sticky;top:112px;border-top:3px solid var(--green);background:var(--cream);padding:24px;display:flex;flex-direction:column;gap:12px}.guide-sidebar>div span{font-size:9px;text-transform:uppercase;letter-spacing:1.3px;color:var(--green);font-weight:700}.guide-sidebar>div p{font-size:12px;line-height:1.55;color:var(--muted);margin:9px 0 13px}.guide-sidebar>a{border-top:1px solid var(--line);padding-top:12px;font-size:11px;font-weight:700}.related-guides{padding:88px 0;background:var(--navy);color:var(--white)}.related-guides h2{font-family:var(--serif);font-size:52px;font-weight:400;letter-spacing:-1px;margin:0 0 36px}.guide-card-grid{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid rgba(255,255,255,.15);border-left:1px solid rgba(255,255,255,.15)}.guide-card{min-height:250px;padding:28px;display:flex;flex-direction:column;border-right:1px solid rgba(255,255,255,.15);border-bottom:1px solid rgba(255,255,255,.15);transition:background .2s}.guide-card:hover{background:rgba(255,255,255,.05)}.guide-card>span{font-size:9px;text-transform:uppercase;letter-spacing:1.4px;color:var(--sage);font-weight:700}.guide-card h3,.guide-card h2{font-family:var(--serif);font-size:27px;font-weight:400;line-height:1.15;margin:22px 0 14px}.guide-card p{font-size:12px;line-height:1.6;color:#b8c9c3;margin:0 0 20px}.guide-card b{font-size:11px;color:var(--sage);margin-top:auto}.guides-index-hero{padding:90px 0 94px;background:var(--cream)}.guides-index-hero h1{max-width:900px}.guides-index-hero>div>p:last-child{max-width:680px;font-size:18px;line-height:1.65;color:var(--muted);margin:28px 0 0}.guides-index{background:var(--navy);padding:78px 0 100px}.guide-filter-row{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:32px}.guide-filter-row span{border:1px solid rgba(255,255,255,.2);border-radius:30px;padding:8px 13px;color:#b9cbc5;font-size:10px}.guide-index-grid{grid-template-columns:repeat(3,1fr)}.guide-index-grid .guide-card{min-height:300px}.guide-index-grid .guide-card h2{color:var(--white);font-size:28px}.guides-method{padding:80px 0;background:var(--green)}.guides-method>.shell{display:grid;grid-template-columns:1fr 1fr;gap:90px;align-items:end}.guides-method h2{font-family:var(--serif);font-weight:400;color:var(--white);font-size:54px;line-height:1;letter-spacing:-1px;margin:0}.guides-method>div>p{color:#dce9e4;font-size:15px;line-height:1.7;margin:0}.guides-method .eyebrow{color:var(--sage);margin-bottom:20px}
@media(max-width:900px){.guide-layout{grid-template-columns:1fr;gap:30px}.guide-sidebar{position:static;order:-1}.guide-card-grid,.guide-index-grid{grid-template-columns:1fr 1fr}.guides-method>.shell{grid-template-columns:1fr;gap:30px}}
@media(max-width:650px){.guide-hero{padding:50px 0 58px}.guide-hero .breadcrumbs{margin-bottom:35px}.guide-hero h1,.guides-index-hero h1{font-size:52px;letter-spacing:-1px}.guide-lede{font-size:17px}.guide-layout{padding-top:55px;padding-bottom:70px}.guide-article>h2{font-size:33px;margin-top:44px}.guide-article p,.guide-article li{font-size:15px}.calculator-cta{padding:27px;margin:45px 0}.calculator-cta h2{font-size:32px}.inline-tool-links,.guide-card-grid,.guide-index-grid{grid-template-columns:1fr}.related-guides{padding:68px 0}.related-guides h2{font-size:43px}.guides-index-hero{padding:62px 0 68px}.guides-index{padding:58px 0 75px}.guide-index-grid .guide-card{min-height:250px}.guides-method h2{font-size:44px}}
.home-guides{padding:100px 0;background:var(--navy);color:var(--white)}.home-guides-heading{display:flex;align-items:end;justify-content:space-between;gap:40px;margin-bottom:42px}.home-guides-heading h2{font-family:var(--serif);font-size:54px;font-weight:400;line-height:1;letter-spacing:-1px;max-width:650px;margin:0}.home-guides-heading .button{border-color:rgba(255,255,255,.25);color:var(--white);white-space:nowrap}.home-guides .guide-card-grid{margin-top:0}@media(max-width:700px){.home-guides{padding:72px 0}.home-guides-heading{align-items:flex-start;flex-direction:column}.home-guides-heading h2{font-size:44px}}

/* Content-led homepage */
.hero-photo{position:relative;margin:0;min-height:525px;background:var(--paper);border:1px solid rgba(16,42,46,.13);box-shadow:var(--shadow);overflow:hidden}.hero-photo img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}.hero-photo figcaption{position:absolute;left:20px;bottom:18px;max-width:240px;background:rgba(9,28,31,.9);color:#d8e5df;padding:10px 13px;font-size:10px;line-height:1.45}.hero-photo-note{position:absolute;left:24px;top:24px;width:min(260px,calc(100% - 48px));background:rgba(246,241,231,.96);border:1px solid rgba(16,42,46,.14);padding:20px;box-shadow:0 12px 30px rgba(16,42,46,.14);display:flex;flex-direction:column}.hero-photo-note span{font-size:9px;text-transform:uppercase;letter-spacing:1.3px;color:var(--green);font-weight:700}.hero-photo-note strong{font-family:var(--serif);font-size:23px;line-height:1.15;font-weight:400;margin:9px 0 15px}.hero-photo-note b{font-size:10px;color:var(--green)}
.home-intro{padding:110px 0;background:var(--green-2);border-top:1px solid rgba(16,42,46,.1);border-bottom:1px solid rgba(16,42,46,.1)}.home-intro-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:100px;align-items:start}.home-intro-heading{position:sticky;top:120px}.home-intro h2,.home-method h2{font-family:var(--serif);font-size:clamp(48px,5vw,67px);font-weight:400;line-height:1.02;letter-spacing:-1.5px;color:var(--navy);margin:0}.home-intro-copy>p{font-size:17px;line-height:1.8;color:#4d615c;margin:0 0 22px}.decision-paths{display:grid;grid-template-columns:1fr 1fr;border-top:1px solid rgba(16,42,46,.15);border-left:1px solid rgba(16,42,46,.15);margin-top:40px}.decision-paths a{min-height:150px;padding:22px;border-right:1px solid rgba(16,42,46,.15);border-bottom:1px solid rgba(16,42,46,.15);display:flex;flex-direction:column;gap:12px;transition:background .2s}.decision-paths a:hover{background:rgba(255,255,255,.35)}.decision-paths span{font-size:9px;text-transform:uppercase;letter-spacing:1.4px;color:var(--green);font-weight:700}.decision-paths strong{font-family:var(--serif);font-size:20px;line-height:1.25;font-weight:400}
.home-method{padding:110px 0;background:var(--paper)}.home-method-heading{display:grid;grid-template-columns:1.2fr .8fr;gap:90px;align-items:end;margin-bottom:56px}.home-method-heading>p{font-size:16px;line-height:1.75;color:var(--muted);margin:0 0 7px}.home-method-grid{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid var(--line);border-left:1px solid var(--line)}.home-method-grid article{min-height:330px;padding:30px;border-right:1px solid var(--line);border-bottom:1px solid var(--line)}.home-method-grid article>span{font-family:var(--serif);font-size:13px;color:var(--green)}.home-method-grid h3{font-family:var(--serif);font-size:28px;font-weight:400;line-height:1.12;margin:75px 0 14px;color:var(--navy)}.home-method-grid p{font-size:13px;line-height:1.72;color:var(--muted);margin:0}.editorial-note{display:grid;grid-template-columns:.9fr 1.1fr;gap:80px;background:var(--green);color:var(--white);padding:52px;margin-top:60px}.editorial-note .eyebrow{color:var(--sage)}.editorial-note h3{font-family:var(--serif);font-size:38px;line-height:1.08;font-weight:400;margin:0}.editorial-note>div:last-child p{font-size:14px;line-height:1.75;color:#dbe8e3;margin:0 0 15px}.editorial-note a{display:inline-block;color:var(--white);font-size:11px;font-weight:700;border-bottom:1px solid rgba(255,255,255,.45);padding-bottom:3px;margin:9px 22px 0 0}.home-guide-grid{grid-template-columns:repeat(3,1fr)}
@media(max-width:980px){.hero-photo{min-height:500px}.home-intro-grid{gap:55px}.home-method-heading{gap:50px}.editorial-note{gap:45px}}
@media(max-width:700px){.hero-photo{min-height:420px}.hero-photo-note{left:16px;top:16px}.hero-photo figcaption{left:16px;bottom:14px}.home-intro,.home-method{padding:74px 0}.home-intro-grid,.home-method-heading,.editorial-note{grid-template-columns:1fr;gap:30px}.home-intro-heading{position:static}.home-intro-copy>p{font-size:15px}.decision-paths,.home-method-grid,.home-guide-grid{grid-template-columns:1fr}.decision-paths a{min-height:115px}.home-method-grid article{min-height:auto}.home-method-grid h3{margin-top:38px}.editorial-note{padding:30px}.editorial-note h3{font-size:32px}}
.calculator-guide{padding:58px 0;background:var(--green-2)}.calculator-guide>.shell{display:flex;align-items:center;justify-content:space-between;gap:50px}.calculator-guide h2{font-family:var(--serif);font-size:38px;font-weight:400;line-height:1.1;letter-spacing:-.5px;color:var(--navy);margin:0}.calculator-guide p:not(.eyebrow){color:var(--muted);font-size:13px;margin:13px 0 0}.calculator-guide .button{flex:none}@media(max-width:700px){.calculator-guide>.shell{align-items:flex-start;flex-direction:column;gap:26px}.calculator-guide h2{font-size:33px}}