:root{--paper: #fbfaf7;--paper-raised: #fff;--ink: #1a1a1a;--ink-soft: #4a4843;--hairline: #e7e3da;--border: #ded9cf;--accent: #1f4d3a;--accent-soft: #2f6b52;--accent-tint: #eef3f0;--accent-tint-border: #d4e2da;--cite-link: #0b3d91;--serif: "Fraunces", Georgia, "Times New Roman", serif;--sans: ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;--w-article: 48rem;--w-tool: 72rem;--w-readable: 44rem;--page-max: var(--w-article)}*{box-sizing:border-box}html{font-family:var(--sans);background:var(--paper);color:var(--ink)}body{margin:0;line-height:1.6}body[data-layout=tool]{--page-max: var(--w-tool)}.num{font-variant-numeric:lining-nums tabular-nums;font-feature-settings:"lnum" 1,"tnum" 1}h1{font-family:var(--serif);font-size:1.875rem;font-weight:600;line-height:1.2;letter-spacing:-.015em;margin:0 0 .75rem}h2{font-family:var(--serif);font-size:1.25rem;font-weight:600;line-height:1.3;margin:1.5rem 0 .5rem}a{color:var(--accent)}a:hover{color:var(--accent-soft)}main{max-width:var(--w-article);margin:0 auto;padding:2rem 1.25rem}main[data-layout=tool]{max-width:var(--w-tool);padding:2.25rem 1.5rem}.tool-readable{max-width:var(--w-readable);margin-inline:auto}.site-header{border-bottom:1.5px solid var(--ink);padding:1.1rem 1.5rem .9rem;display:flex;flex-wrap:wrap;gap:1rem;align-items:baseline;justify-content:space-between;max-width:var(--page-max);margin:0 auto}.site-header__brand{font-family:var(--serif);font-weight:600;font-size:1.3rem;letter-spacing:-.01em;color:var(--ink);text-decoration:none}.site-header__mark{color:var(--accent)}.site-header nav{display:flex;gap:1.25rem;flex-wrap:wrap}.site-header nav a{font-size:.9rem;color:var(--ink-soft);text-decoration:none}.site-header nav a:hover{color:var(--accent)}.site-footer{border-top:1.5px solid var(--ink);padding:1.5rem;max-width:var(--page-max);margin:3rem auto 0;font-size:.85rem;color:var(--ink-soft)}.site-footer nav{display:flex;gap:1.25rem;flex-wrap:wrap}.site-footer nav a{color:var(--ink-soft)}.site-footer__note{margin-top:.75rem}.tool-hero__eyebrow{font-size:.72rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--accent-soft);margin:0 0 .4rem}main[data-layout=tool] h1{font-size:2.5rem}.tool-hero__lede{font-size:1.0625rem;line-height:1.55;color:var(--ink-soft);max-width:38rem;margin:.25rem 0 .5rem}.tool-hero__skip{font-size:.9rem}.last-verified{font-size:.875rem;color:#4a5568;margin:.75rem 0 .25rem}.last-verified__label{color:#2d3748;font-weight:600}.trust-strip{display:flex;flex-wrap:wrap;gap:.6rem 1rem;font-size:.8rem;color:var(--ink-soft);border-top:1px solid var(--hairline);border-bottom:1px solid var(--hairline);padding:.5rem 0;margin:.5rem 0 1.25rem}.calc-nav{display:flex;flex-wrap:wrap;gap:.4rem;margin:.75rem 0 .25rem}.calc-nav__pill{font-size:.8rem;font-weight:600;text-decoration:none;padding:.3rem .7rem;border-radius:999px;border:1px solid var(--border);color:var(--ink-soft);background:var(--paper-raised)}.calc-nav__pill:hover{border-color:var(--accent-soft);color:var(--accent)}.calc-nav__pill--current{background:var(--accent);border-color:var(--accent);color:#fff}.quick-facts{border-top:1px solid var(--hairline);border-bottom:1px solid var(--hairline);padding:.9rem 0;margin:1rem 0 1.5rem}.quick-facts dl{display:flex;flex-wrap:wrap;gap:1rem 2.5rem;margin:0}.quick-facts dt{font-size:.68rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--ink-soft)}.quick-facts dd{margin:.15rem 0 0;font-weight:600}.calc{display:grid;grid-template-columns:1fr;gap:1.5rem;border:1px solid var(--border);border-radius:12px;background:var(--paper-raised);padding:1.25rem;box-shadow:0 1px 2px #2821140a}@media (min-width: 56rem){.calc{grid-template-columns:1fr 1.2fr;gap:2rem}}.calc__h{margin:0 0 .75rem;font-size:1.05rem}.calc__field{display:block;margin:0 0 .8rem}.calc__field>span{display:block;font-size:.875rem;font-weight:600;margin-bottom:.25rem}.calc__field input,.calc__field select{width:100%;padding:.5rem .6rem;font-size:1rem;border:1px solid var(--border);border-radius:8px;background:#fff;font-family:var(--sans)}.calc__field input:focus-visible,.calc__field select:focus-visible{outline:2px solid var(--accent);outline-offset:1px}.calc__hero{margin:0 0 .9rem;padding:1.4rem 1.5rem;border:1px solid var(--accent-tint-border);border-left:4px solid var(--accent);border-radius:12px;background:var(--accent-tint)}.calc__hero-label{font-size:.72rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--ink-soft)}.calc__hero-fig{margin:.2rem 0 0;font-size:2rem;font-weight:700;font-family:var(--serif)}.calc__lines{margin:.75rem 0 0;padding:0;list-style:none;font-size:.9375rem}.calc__lines li{display:flex;justify-content:space-between;gap:1rem;padding:.35rem 0;border-bottom:1px solid var(--hairline)}.calc__lines li.calc__line--total{font-weight:700;border-bottom:none}.calc__note{font-size:.85rem;color:var(--ink-soft);margin:.6rem 0 0}.fee-table{width:100%;border-collapse:collapse;font-size:.9375rem;margin:.75rem 0}.fee-table caption{font-size:.8rem;color:var(--ink-soft);text-align:left;margin-bottom:.4rem}.fee-table th,.fee-table td{text-align:left;padding:.45rem .6rem;border-bottom:1px solid var(--hairline)}.fee-table th{font-size:.8rem;text-transform:uppercase;letter-spacing:.06em;color:var(--ink-soft)}.worked-example{border:1px solid var(--border);border-radius:12px;background:var(--paper-raised);padding:1.1rem 1.25rem;margin:1rem 0}.worked-example ol{margin:.5rem 0 0;padding-left:1.25rem}.affiliate-module{border:1px solid var(--accent-tint-border);border-radius:12px;background:var(--accent-tint);padding:1.1rem 1.25rem;margin:1.5rem 0}.affiliate-module__disclosure{font-size:.8rem;color:var(--ink-soft);margin:.75rem 0 0}.affiliate-module ul{list-style:none;margin:.5rem 0 0;padding:0}.affiliate-module li{padding:.5rem 0;border-bottom:1px solid var(--accent-tint-border)}.affiliate-module li:last-child{border-bottom:none}.email-capture{border:1px solid var(--border);border-left:4px solid var(--accent);border-radius:12px;background:var(--paper-raised);padding:1.1rem 1.25rem;margin:1.5rem 0}.email-capture form{display:flex;flex-wrap:wrap;gap:.6rem;margin-top:.6rem}.email-capture input[type=email]{flex:1 1 14rem;padding:.55rem .7rem;font-size:1rem;border:1px solid var(--border);border-radius:8px}.email-capture button{padding:.55rem 1.1rem;font-size:.95rem;font-weight:600;color:#fff;background:var(--accent);border:none;border-radius:8px;cursor:pointer}.email-capture button:hover{background:var(--accent-soft)}.email-capture__privacy{font-size:.8rem;color:var(--ink-soft);margin:.5rem 0 0}.email-capture__status{font-weight:600;color:var(--accent);margin:.6rem 0 0}.faq details{border-bottom:1px solid var(--hairline);padding:.6rem 0}.faq summary{font-weight:600;cursor:pointer}.faq p{margin:.5rem 0 .25rem}.changelog-excerpt ul{margin:.5rem 0 0;padding-left:1.25rem}.changelog-excerpt time{font-weight:600}.source-citation a{color:var(--cite-link)}.source-citation__meta{font-size:.8rem;color:var(--ink-soft)}.known-limitations ul{padding-left:1.25rem}.disclaimer{border:1px solid currentColor;border-left-width:4px;border-radius:.25rem;padding:.75rem 1rem;color:#6b4f00;background:#fffbeb;margin:1.5rem 0}.disclaimer p{margin:.25rem 0}.methodology-link{color:var(--cite-link);text-decoration:underline}.home-cards{display:grid;grid-template-columns:1fr;gap:1rem;padding:0;list-style:none}@media (min-width: 36rem){.home-cards{grid-template-columns:1fr 1fr}}@media (min-width: 56rem){.home-cards{grid-template-columns:repeat(3,1fr)}}.home-card{border:1px solid var(--border);border-radius:12px;padding:1.25rem;background:var(--paper-raised);box-shadow:0 1px 2px #2821140a}.home-card:hover{border-color:var(--accent-soft);box-shadow:0 1px 4px #1f4d3a1a}.home-card__title{font-family:var(--serif);font-weight:600;font-size:1.15rem;margin:0}.home-card__desc{font-size:.9375rem;line-height:1.5;color:var(--ink-soft);margin:.4rem 0 0}.home-card a{text-decoration:none;color:var(--ink)}