:root{--bg:#f7f8f7;--surface:#fff;--surface-muted:#f1f4f3;--border:#e2e6e4;--border-strong:#cfd6d3;--ink:#14201c;--ink-soft:#4a5a54;--ink-faint:#6f7e78;--accent:#0f766e;--accent-dark:#0b5a54;--accent-soft:#e4f1ef;--positive:#157347;--warn:#9a5b00;--grid-line:#eef1f0;--radius:12px;--radius-sm:8px;--shadow-sm:0 1px 2px rgba(20,32,28,.06);--shadow-md:0 6px 24px rgba(20,32,28,.08);--maxw:1080px;--font-mono:ui-monospace,SFMono-Regular,"SF Mono",Menlo,Consolas,monospace}*{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}body{margin:0;background-color:var(--bg);background-image:linear-gradient(var(--grid-line) 1px,transparent 1px),linear-gradient(90deg,var(--grid-line) 1px,transparent 1px);background-size:28px 28px;background-position:-1px -1px;color:var(--ink);font-family:-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Helvetica,Arial,sans-serif,Apple Color Emoji,Segoe UI Emoji;font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased}h1,h2,h3,h4{line-height:1.2;letter-spacing:-.01em;margin:0 0 .5em;color:var(--ink)}h1{font-size:clamp(1.9rem,1.2rem + 2.6vw,2.9rem);font-weight:800}h2{font-size:clamp(1.4rem,1.1rem + 1.2vw,1.85rem);margin-top:1.6em}h2,h3{font-weight:700}h3{font-size:1.2rem;margin-top:1.3em}p{margin:0 0 1rem}a{color:var(--accent-dark);text-decoration:none}a:hover{text-decoration:underline}ol,ul{margin:0 0 1rem;padding-left:1.25rem}li{margin-bottom:.4rem}code{font-family:var(--font-mono);font-size:.92em;background:var(--surface-muted);padding:.1em .35em;border-radius:4px}.container{width:100%;max-width:var(--maxw);margin:0 auto;padding:0 20px}.container-narrow{max-width:760px}main{min-height:60vh;padding:40px 0 64px}.section{margin-top:56px}.eyebrow{display:inline-block;font-size:.78rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--accent-dark);background:var(--accent-soft);padding:4px 10px;border-radius:999px;margin-bottom:14px}.lead{font-size:1.18rem;color:var(--ink-soft);max-width:60ch}.muted{color:var(--ink-faint)}.small{font-size:.9rem}.updated{font-size:.85rem;color:var(--ink-faint);font-feature-settings:"tnum";font-variant-numeric:tabular-nums}.site-header{position:-webkit-sticky;position:sticky;top:0;z-index:40;background:hsla(0,0%,100%,.92);-webkit-backdrop-filter:saturate(140%) blur(8px);backdrop-filter:saturate(140%) blur(8px);border-bottom:1px solid var(--border)}.site-header__inner{display:flex;align-items:center;justify-content:space-between;gap:16px;height:64px}.brand{display:inline-flex;align-items:center;gap:10px;font-weight:800;font-size:1.15rem;color:var(--ink);letter-spacing:-.02em}.brand:hover{text-decoration:none}.brand__mark{display:grid;place-items:center;width:30px;height:30px;border-radius:7px;background:var(--accent);color:#fff;font-family:var(--font-mono);font-weight:700;font-size:1rem}.brand__logo{height:30px;width:auto;display:block}.brand__logo--footer{height:34px}.nav{display:flex;align-items:center;gap:22px}.nav a{color:var(--ink-soft);font-weight:600;font-size:.97rem}.nav a:hover{color:var(--accent-dark);text-decoration:none}.nav__cta{background:var(--accent);color:#fff!important;padding:8px 14px;border-radius:var(--radius-sm)}.nav__cta:hover{background:var(--accent-dark);text-decoration:none}.nav-toggle{display:none;border:1px solid var(--border-strong);border-radius:var(--radius-sm);padding:8px 10px;font-size:.9rem;font-weight:600;cursor:pointer;color:var(--ink)}.nav-toggle,.site-footer{background:var(--surface)}.site-footer{border-top:1px solid var(--border);margin-top:64px;padding:48px 0 40px}.footer-grid{display:grid;grid-template-columns:1.4fr repeat(4,1fr);grid-gap:32px;gap:32px}.footer-col h4{font-size:.82rem;text-transform:uppercase;letter-spacing:.06em;color:var(--ink-faint);margin-bottom:12px}.footer-col ul{list-style:none;padding:0;margin:0}.footer-col li{margin-bottom:8px}.footer-col a{color:var(--ink-soft);font-size:.93rem}.footer-bottom{margin-top:36px;padding-top:20px;border-top:1px solid var(--border);display:flex;flex-wrap:wrap;gap:12px;justify-content:space-between;font-size:.85rem;color:var(--ink-faint)}.grid{display:grid;grid-gap:18px;gap:18px}.grid-2{grid-template-columns:repeat(2,1fr)}.grid-3{grid-template-columns:repeat(3,1fr)}.card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow-sm)}.link-card{display:flex;flex-direction:column;gap:6px;transition:border-color .15s ease,transform .15s ease,box-shadow .15s ease}.link-card:hover{text-decoration:none;border-color:var(--border-strong);transform:translateY(-2px);box-shadow:var(--shadow-md)}.link-card h3{margin:0;font-size:1.08rem;color:var(--ink)}.link-card p{margin:0;color:var(--ink-soft);font-size:.95rem}.link-card__tag{align-self:flex-start;margin-top:6px;font-size:.78rem;font-weight:600;color:var(--accent-dark)}.hero{display:grid;grid-template-columns:1fr 1fr;grid-gap:40px;gap:40px;align-items:start;padding-top:16px}.hero__copy{padding-top:8px}.hero ul.checklist{list-style:none;padding:0;margin:22px 0 0}.checklist li{position:relative;padding-left:28px;color:var(--ink-soft);font-size:.98rem}.checklist li:before{content:"";position:absolute;left:0;top:.55em;width:12px;height:12px;border-radius:3px;background:var(--accent-soft);border:1.5px solid var(--accent)}.btn-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}.btn{display:inline-flex;align-items:center;gap:8px;font-weight:600;font-size:1rem;padding:12px 20px;border-radius:var(--radius-sm);border:1px solid transparent;cursor:pointer}.btn-primary{background:var(--accent);color:#fff}.btn-primary:hover{background:var(--accent-dark);text-decoration:none}.btn-secondary{background:var(--surface);color:var(--ink);border-color:var(--border-strong)}.btn-secondary:hover{border-color:var(--accent);text-decoration:none}.calc{display:grid;grid-template-columns:1.1fr .9fr;grid-gap:22px;gap:22px;align-items:start}.calc-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow-sm)}.calc-card__header{display:flex;align-items:baseline;justify-content:space-between;gap:12px;border-bottom:1px solid var(--border);padding-bottom:14px;margin-bottom:18px}.calc-card__header h2{margin:0;font-size:1.25rem}.field{margin-bottom:16px}.field>label{display:block;font-weight:600;font-size:.92rem;margin-bottom:6px;color:var(--ink)}.field .hint{display:block;font-weight:400;font-size:.82rem;color:var(--ink-faint);margin-top:2px}.input-wrap{position:relative;display:flex;align-items:center}.input-wrap .affix{position:absolute;font-size:.95rem;color:var(--ink-faint);pointer-events:none}.input-wrap .affix-left{left:12px}.input-wrap .affix-right{right:12px}input[type=email],input[type=number],input[type=text],select,textarea{width:100%;font:inherit;font-size:.98rem;color:var(--ink);background:var(--surface);border:1px solid var(--border-strong);border-radius:var(--radius-sm);padding:11px 12px}.input-wrap input.has-left{padding-left:26px}.input-wrap input.has-right{padding-right:32px}input:focus,select:focus,textarea:focus{outline:2px solid var(--accent);outline-offset:1px;border-color:var(--accent)}.field-row{display:grid;grid-template-columns:1fr 1fr;grid-gap:14px;gap:14px}.results{position:-webkit-sticky;position:sticky;top:84px}.result-list{list-style:none;margin:0;padding:0}.result-list li{display:flex;align-items:baseline;justify-content:space-between;gap:12px;padding:10px 0;border-bottom:1px dashed var(--border);margin:0}.result-list li:last-child{border-bottom:none}.result-list .r-label{color:var(--ink-soft);font-size:.93rem}.result-list .r-value{font-family:var(--font-mono);font-feature-settings:"tnum";font-variant-numeric:tabular-nums;font-weight:600;font-size:1.02rem;white-space:nowrap}.result-headline{background:var(--accent-soft);border:1px solid var(--accent);border-radius:var(--radius-sm);padding:16px 18px;margin-bottom:16px}.result-headline .r-cap{font-size:.8rem;text-transform:uppercase;letter-spacing:.05em;color:var(--accent-dark);font-weight:700}.result-headline .r-big{font-family:var(--font-mono);font-feature-settings:"tnum";font-variant-numeric:tabular-nums;font-size:2rem;font-weight:800;color:var(--ink);line-height:1.1;margin-top:2px}.r-positive{color:var(--positive)}.r-negative{color:#b42318}.worth-summary{margin-top:16px;font-size:.95rem;color:var(--ink-soft);background:var(--surface-muted);border-radius:var(--radius-sm);padding:14px 16px;border:1px solid var(--border)}.box{border-radius:var(--radius);padding:18px 20px;border:1px solid var(--border)}.box h3{margin-top:0;font-size:1.02rem}.box--disclaimer{background:#fbf7ee;border-color:#ecdcb8}.box--disclaimer h3{color:var(--warn)}.box--assumptions{background:var(--surface-muted)}.box--assumptions ul{margin-bottom:0}.box--assumptions li{font-size:.92rem;color:var(--ink-soft)}.faq details{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-sm);padding:4px 18px;margin-bottom:10px}.faq summary{cursor:pointer;font-weight:650;font-size:1.02rem;padding:12px 0;list-style:none;display:flex;justify-content:space-between;gap:12px}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"+";font-family:var(--font-mono);color:var(--accent);font-weight:700}.faq details[open] summary:after{content:"\2212"}.faq details[open] summary{border-bottom:1px solid var(--border)}.faq .faq-body{padding:12px 0 6px;color:var(--ink-soft)}.faq .faq-body p:last-child{margin-bottom:0}.related ul{list-style:none;padding:0;margin:0;display:grid;grid-gap:10px;gap:10px}.related a{display:block;padding:12px 16px;border:1px solid var(--border);border-radius:var(--radius-sm);background:var(--surface);color:var(--ink);font-weight:600;font-size:.95rem}.related a:hover{border-color:var(--accent);text-decoration:none}.related a span{display:block;font-weight:400;margin-top:2px}.crumbs,.related a span{font-size:.86rem;color:var(--ink-faint)}.crumbs{margin-bottom:18px}.crumbs a{color:var(--ink-faint)}.crumbs a:hover{color:var(--accent-dark)}.crumbs span{margin:0 6px}.prose{max-width:70ch}.prose h2{scroll-margin-top:80px}.prose ol li,.prose ul li{color:var(--ink-soft)}.page-head{margin-bottom:28px}.page-head .lead{margin-bottom:10px}.tag-list{display:flex;flex-wrap:wrap;gap:8px;margin:14px 0 0;padding:0;list-style:none}.tag-list li{margin:0}.tag-list a{font-size:.83rem;font-weight:600;background:var(--surface-muted);border:1px solid var(--border);color:var(--ink-soft);padding:4px 10px;border-radius:999px}.tag-list a:hover{text-decoration:none;border-color:var(--accent);color:var(--accent-dark)}.divider{height:1px;background:var(--border);border:none;margin:40px 0}.callout{background:var(--surface);border:1px solid var(--border);border-left:3px solid var(--accent);border-radius:var(--radius-sm);padding:16px 18px;margin:20px 0}.callout p:last-child{margin-bottom:0}.stat-row{display:grid;grid-template-columns:repeat(3,1fr);grid-gap:14px;gap:14px;margin-top:22px}.stat{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-sm);padding:14px 16px}.stat .s-num{font-family:var(--font-mono);font-weight:800;font-size:1.3rem}.stat .s-cap{font-size:.85rem;color:var(--ink-faint)}@media (max-width:880px){.calc,.hero{grid-template-columns:1fr}.results{position:static}.footer-grid,.grid-3{grid-template-columns:1fr 1fr}}@media (max-width:640px){body{font-size:16px}.nav{display:none}.nav--open{display:flex;position:absolute;top:64px;left:0;right:0;flex-direction:column;align-items:stretch;gap:0;background:var(--surface);padding:8px 20px 16px}.nav--open,.nav--open a{border-bottom:1px solid var(--border)}.nav--open a{padding:12px 0}.nav--open .nav__cta{margin-top:10px;text-align:center}.nav-toggle{display:inline-block}.field-row,.footer-grid,.grid-2,.grid-3,.stat-row{grid-template-columns:1fr}}