@charset "UTF-8";
:root{--ink:#182c28;--muted:#697671;--green:#146956;--green-dark:#10503f;--line:#e4e8e1;--paper:#fcfcf8;--mint:#e6f0e6;--cream:#f3f5ed;--radius:18px;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI","Malgun Gothic",sans-serif;color:var(--ink);background:var(--paper);font-synthesis:none;line-height:1.65;scroll-behavior:smooth}
*{box-sizing:border-box}body{margin:0}a{color:inherit;text-decoration:none}button,input,select{font:inherit}button,a,input,select,summary{-webkit-tap-highlight-color:transparent}button{cursor:pointer}button:disabled{cursor:default;opacity:.45}input,select{min-width:0}button:focus-visible,a:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible,[tabindex]:focus-visible{outline:3px solid #1b806e;outline-offset:4px}a:hover{color:var(--green)}[hidden]{display:none!important}.container{width:min(1152px,calc(100% - 64px));margin-inline:auto}.icon{width:22px;height:22px;flex:none;vertical-align:middle}.button{display:inline-flex;align-items:center;justify-content:center;gap:20px;min-height:50px;padding:12px 23px;border-radius:9px;border:1px solid var(--green);background:var(--green);color:white;font-weight:650;font-size:14px;transition:background .15s,transform .15s}.button:hover{background:var(--green-dark);color:white;transform:translateY(-1px)}.button .icon{width:19px}.secondary{background:transparent;color:var(--green);border-color:#b9cbc0}.secondary:hover{background:#edf4eb;color:var(--green-dark)}.text-button{border:0;background:none;color:var(--muted);font-size:14px;padding:12px}.small{font-size:12px}.muted{color:var(--muted)}.eyebrow{font-size:11px;letter-spacing:1.8px;font-weight:700;color:var(--green);margin:0 0 12px}.sr-only{position:absolute;width:1px;height:1px;margin:-1px;padding:0;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap}.skip{position:fixed;top:-80px;left:16px;background:white;padding:12px;z-index:99}.skip:focus{top:10px}
.site-header{background:var(--paper);border-bottom:1px solid var(--line);height:87px}.nav-wrap{display:flex;align-items:center;height:100%;gap:64px}.logo{display:inline-flex;align-items:center;gap:10px;font-size:22px;font-weight:800;letter-spacing:-1.1px;white-space:nowrap}.logo-mark{width:34px;height:34px;background:var(--green);color:#dff2bc;display:inline-flex;align-items:center;justify-content:center;border-radius:9px}.logo-mark .icon{stroke-width:2.8;width:24px;height:24px}.nav-wrap nav{display:flex;gap:32px;font-size:14px;color:#626d67}.nav-wrap nav a{position:relative}.nav-wrap nav .active{color:var(--green);font-weight:700}.nav-cta{margin-left:auto;font-size:12px;padding:8px 16px;min-height:40px;gap:18px}.nav-cta .icon{width:16px}
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.section{padding-top:68px;padding-bottom:10px;scroll-margin-top:20px}.section-heading{display:flex;justify-content:space-between;align-items:flex-end;gap:20px;margin-bottom:27px}.section-heading .eyebrow{font-size:9px;letter-spacing:2px;margin-bottom:8px}.section-heading h2{font-size:27px;letter-spacing:-1.3px;margin:0;line-height:1.5}.section-heading p:not(.eyebrow){color:var(--muted);font-size:12px;margin:9px 0 0}.search-box{display:flex;align-items:center;border:1px solid var(--line);border-radius:8px;background:white;padding:9px 12px;gap:8px;width:230px;margin-bottom:3px}.search-box input{border:0;background:transparent;font-size:11px;width:100%;outline-offset:3px}.search-box .icon{width:16px;height:16px;color:#87958a}.search-box input::placeholder{color:#939c94}.filters{display:flex;gap:7px;margin-bottom:24px}.filter{display:flex;align-items:center;gap:9px;font-size:11px;border:1px solid var(--line);border-radius:30px;padding:8px 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.15s}.guide-card:hover{transform:translateY(-3px);color:var(--ink)}.guide-art{height:166px;position:relative;overflow:hidden;padding:19px 24px;isolation:isolate}.art-0{background:#e2e9db;color:#5d7658}.art-1{background:#ebe7dc;color:#918265}.art-2{background:#e7e6ef;color:#77718d}.guide-art>span{position:absolute;font-size:110px;font-weight:750;letter-spacing:-9px;line-height:1;right:35px;top:28px;transform:rotate(-10deg);z-index:-1;opacity:.65}.art-1>span{font-size:116px;right:55px;transform:rotate(10deg);opacity:.6}.art-2>span{font-size:65px;letter-spacing:0;right:27px;top:47px}.guide-art i{position:absolute;width:125px;height:125px;border:1px solid currentColor;opacity:.2;left:-14px;bottom:-42px;border-radius:50%}.art-1 i{width:175px;height:175px;left:auto;right:-60px;bottom:-80px;border:22px solid currentColor}.guide-art b{position:absolute;bottom:17px;font-size:8px;letter-spacing:1.6px;opacity:.75}.guide-copy{padding:22px;display:flex;flex-direction:column;flex:1}.guide-copy .eyebrow{font-size:9px;letter-spacing:.4px;margin-bottom:10px}.read-time{color:#979b90;font-weight:400}.guide-copy h3{font-size:16px;letter-spacing:-.6px;margin:0 0 9px;line-height:1.65}.guide-copy p{font-size:11px;line-height:1.8;color:#858c81;margin:0 0 22px}.guide-link{font-size:10px;color:#688270;display:flex;align-items:center;gap:12px;margin-top:auto}.guide-link .icon{width:14px;height:14px}.ad-container{margin-top:48px}.ad-slot{min-height:104px;border:1px dashed #d9ded4;border-radius:10px;display:flex;align-items:center;flex-direction:column;justify-content:center;background:#f7f8f2;text-align:center;padding:15px}.ad-slot>span{font-size:8px;letter-spacing:2.3px;color:#a2ac9b}.ad-slot p{font-size:11px;color:#9aa292;margin:4px 0}.ad-slot small{font-size:9px;color:#9ba392}.closing{display:flex;justify-content:space-between;align-items:center;padding-block:52px 63px}.closing p{font-size:23px;letter-spacing:-1px;line-height:1.7;margin:0;color:#65755f}.closing 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.site-footer{background:#f1f3ec;border-top:1px solid #e0e4d9;padding:36px 0 21px}.footer-top{display:flex;justify-content:space-between;gap:30px;padding-bottom:30px}.site-footer .logo{font-size:18px}.site-footer .logo-mark{width:28px;height:28px;border-radius:7px}.site-footer .logo-mark .icon{width:20px;height:20px}.footer-top p{font-size:10px;color:#8d9485;margin-top:12px;line-height:1.9}.footer-links{display:flex;flex-wrap:wrap;gap:23px;align-items:flex-start;padding-top:9px;font-size:10px;color:#6e7d68}.footer-bottom{display:flex;gap:28px;justify-content:space-between;border-top:1px solid #e0e4d9;padding-top:18px;font-size:9px;color:#919989}.page-head{padding-top:40px;padding-bottom:32px}.page-head .breadcrumbs{margin-bottom:32px}.breadcrumbs{display:flex;gap:12px;flex-wrap:wrap;color:#7d8a7e;font-size:11px;margin-bottom:32px}.page-head .tool-icon{margin-bottom:16px}.page-head .eyebrow{margin-bottom:7px}.page-head h1{font-size:36px;letter-spacing:-1.8px;margin:0 0 12px;line-height:1.45}.page-head>p:not(.eyebrow){font-size:14px;color:var(--muted);margin:0}.calculator-layout{display:grid;grid-template-columns:minmax(0,1.6fr) minmax(0,1fr);gap:28px;align-items:start}.calculator-panel{background:white;border:1px solid var(--line);border-radius:var(--radius);padding:30px}.panel-heading{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-bottom:24px}.panel-heading h2{font-size:18px;margin:0;letter-spacing:-.6px}.panel-heading>span{font-size:10px;color:#82917f}.local-note{font-size:10px;color:#81907e;display:flex;align-items:center;gap:6px;margin:20px 0 0}.local-note .icon{width:13px;height:13px}.info-panel{background:#f0f3e9;padding:30px;border-radius:var(--radius)}.info-panel h2{font-size:19px;margin:0 0 15px;letter-spacing:-.6px}.info-panel h3{font-size:14px;margin:0 0 12px}.info-panel p:not(.eyebrow){font-size:12px;color:#74806c;line-height:2;margin:0 0 17px}.info-divider{height:1px;background:#dce4d3;margin:23px 0}.narrow{max-width:850px}details{border-bottom:1px solid var(--line);padding:18px 0}summary{cursor:pointer;font-size:14px;font-weight:600}details>p{font-size:13px;color:var(--muted);line-height:1.9}details.schedule{padding-bottom:0;border-bottom:0}details.schedule summary{font-size:12px;color:var(--green)}.table-scroll{overflow:auto;max-height:420px;margin-top:16px;border:1px solid #d5e0d0;border-radius:6px}table{width:100%;border-collapse:collapse;white-space:nowrap;font-size:11px;font-variant-numeric:tabular-nums;text-align:right}th,td{padding:10px;border-bottom:1px solid #d5e0d0}th{background:#dfead7;position:sticky;top:0}th:first-child,td:first-child{text-align:left}caption{font-size:10px;color:#6b8067;padding:10px;caption-side:bottom}.article{max-width:790px;padding-top:45px;padding-bottom:70px}.article>.eyebrow{margin-top:15px}.article h1{font-size:38px;letter-spacing:-1.7px;line-height:1.5;margin:17px 0}.article-lead{font-size:17px;color:var(--muted);line-height:1.9}.article-meta{font-size:11px;color:#8a9586;padding:16px 0 25px;border-bottom:1px solid var(--line);margin-bottom:35px}.article h2{font-size:22px;letter-spacing:-.7px;margin:34px 0 13px}.article section>p,.policy>p{font-size:15px;line-height:2;color:#5f6e60;word-break:keep-all;overflow-wrap:anywhere}.article-cta{padding:28px;background:#edf3e6;border-radius:13px;margin:36px 0}.article-cta h2{margin:0 0 10px}.article-cta p{font-size:13px;color:var(--muted)}.article-cta .button{margin-top:10px}.policy a:not(.button){color:var(--green);text-decoration:underline;text-underline-offset:3px}.notice{padding:18px 21px;background:#fff4d9;border-radius:10px;font-size:13px;color:#7f6839;line-height:1.9;margin:25px 0}.subscription-list{display:flex;flex-direction:column;gap:15px;margin-bottom:17px}.subscription-row{position:relative;min-width:0;border:1px solid var(--line);border-radius:9px;padding:17px;display:grid;grid-template-columns:1.1fr 1fr;gap:12px}.subscription-row legend{font-size:10px;color:#85957f;padding:0 6px}.subscription-row label{font-size:11px;color:#5e705d;display:flex;flex-direction:column;gap:5px}.subscription-row input:not([type=checkbox]){border:1px solid #dde4d8;border-radius:7px;padding:9px;width:100%;font-size:12px;color:var(--ink)}.subscription-row select{height:40px;font-size:12px}.subscription-row label.pause-check{flex-direction:row;align-items:center;gap:7px;justify-content:flex-start}.pause-check input{width:17px;height:17px;accent-color:var(--green)}.remove{position:absolute;right:9px;top:-17px;border:1px solid var(--line);border-radius:50%;width:29px;height:29px;background:white;line-height:1;font-size:17px;color:#7b8c74}.subscription-row+*{margin-top:0}.subscription-list+.button{font-size:11px;min-height:40px}
@media(min-width:1400px){.hero{padding:76px 0}.hero-grid{gap:100px}.hero h1{font-size:59px}}
@media(max-width:1000px){.hero-grid{grid-template-columns:1fr 400px;gap:35px}.hero h1{font-size:44px}.hero-calculator{padding:24px}.nav-wrap{gap:40px}.hero-trust{gap:9px}.tool-card{padding:20px}.privacy-band{padding:24px}.footer-links{gap:15px}.calculator-layout{grid-template-columns:minmax(0,1.5fr) minmax(0,1fr)}.calculator-panel,.info-panel{padding:24px}}
@media(max-width:800px){.container{width:calc(100% - 40px)}.site-header{height:74px}.nav-wrap{gap:24px}.nav-wrap nav{gap:20px;font-size:12px}.logo{font-size:20px}.nav-cta{font-size:10px;padding:8px 10px;gap:8px}.nav-cta .icon{display:none}.hero{padding:44px 0}.hero-grid{grid-template-columns:1fr 355px;gap:24px}.hero h1{font-size:36px;letter-spacing:-2px}.hero-description{font-size:12px}.hero-button{font-size:11px;padding:10px 13px;gap:12px}.hero-trust{font-size:9px}.hero-calculator{padding:20px}.calc-title h2{font-size:18px}.badge{font-size:7px}.tool-grid{gap:13px}.tool-card{padding:18px;min-height:240px}.tool-card h3{font-size:15px}.tool-category{font-size:8px}.tool-card p{font-size:10px}.guide-grid{gap:14px}.guide-copy{padding:17px}.guide-copy h3{font-size:14px}.guide-copy p{font-size:10px}.guide-art{height:145px}.guide-art>span{right:20px}.guide-art b{font-size:6px}.art-2>span{font-size:50px}.privacy-band p{font-size:10px}.value-strip>.container>span:first-child{display:none}.footer-bottom{gap:15px}.calculator-layout{grid-template-columns:1fr}.info-panel{display:block}.calculator-panel{padding:28px}.section-heading h2{font-size:24px}.search-box{width:200px}}
@media(max-width:620px){:root{scroll-behavior:auto}.container{width:calc(100% - 36px)}.site-header{height:auto;min-height:71px}.nav-wrap{flex-wrap:wrap;gap:15px;padding:17px 0}.logo{font-size:20px;gap:8px}.logo-mark{width:29px;height:29px;border-radius:8px}.logo-mark .icon{width:21px;height:21px}.nav-wrap nav{margin-left:auto;font-size:11px;gap:18px}.nav-cta{display:none}.hero{padding:38px 0 32px}.hero-grid{display:flex;flex-direction:column;gap:30px;align-items:stretch}.hero-copy{padding-bottom:0}.hero-copy .eyebrow{font-size:10px;letter-spacing:.8px;margin-bottom:17px}.hero h1{font-size:43px;line-height:1.33;letter-spacing:-2.8px;margin-bottom:18px}.hero h1 span:after{height:9px}.hero-description{font-size:13px;line-height:1.9;margin-bottom:20px}.hero-button{font-size:12px;min-height:47px;padding-inline:18px;gap:25px}.hero-trust{font-size:9px;margin-top:18px;gap:14px}.hero-calculator{padding:24px;border-radius:17px;margin:0 1px}.hero-calculator:before{right:-9px;width:34px;height:34px;top:-12px}.calc-title{margin-bottom:18px}.calc-title h2{font-size:21px}.badge{font-size:7px}.mini-label{font-size:10px}.compact .field{font-size:11px}.compact .input-wrap input{font-size:14px;height:41px}.compact .button{font-size:12px;min-height:43px}.compact .result-primary>strong{font-size:27px}.compact .result-primary>span{font-size:11px}.compact .result{padding:16px}.calc-footnote{font-size:9px}.value-strip>.container{font-size:8px;min-height:61px;gap:8px}.value-strip span{gap:5px}.value-strip b{font-size:15px}.value-strip .icon{width:14px;height:14px}.section{padding-top:42px}.section-heading{flex-direction:column;align-items:stretch;gap:19px;margin-bottom:22px}.section-heading h2{font-size:24px;letter-spacing:-1.1px}.section-heading p:not(.eyebrow){font-size:11px}.section-heading .eyebrow{font-size:8px}.search-box{width:100%;padding:11px 13px}.search-box input{font-size:12px}.filters{gap:6px;margin-bottom:19px}.filter{padding:8px 14px;font-size:10px}.tool-grid{grid-template-columns:1fr 1fr;gap:12px}.tool-card{padding:17px 15px 15px;min-height:235px;border-radius:11px}.tool-icon{width:37px;height:37px;border-radius:10px}.tool-icon .icon{width:21px;height:21px}.tool-card-top{gap:5px}.tool-category{font-size:8px}.tool-card h3{font-size:14px;margin-top:16px;letter-spacing:-.5px}.tool-card p{font-size:10px;line-height:1.9}.tool-card-bottom{font-size:9px;padding-top:13px}.tool-card-bottom .icon{width:14px;height:14px}.privacy-band{padding:22px 19px;gap:13px;flex-wrap:wrap;margin-top:31px}.privacy-icon{width:35px;height:35px}.privacy-icon .icon{width:21px;height:21px}.privacy-band>div{flex:1}.privacy-band h2{font-size:14px}.privacy-band p{font-size:10px;line-height:1.8}.privacy-band>a{margin-left:48px;font-size:10px;gap:10px}.guide-grid{grid-template-columns:1fr;gap:18px}.guide-card{display:grid;grid-template-columns:112px 1fr;min-height:172px}.guide-art{height:100%;min-height:172px;padding:12px}.guide-art>span{font-size:83px;top:40px;right:17px;letter-spacing:-5px}.guide-art b{writing-mode:vertical-rl;font-size:6px;left:10px;bottom:12px;letter-spacing:1px}.art-2>span{font-size:31px;letter-spacing:0;right:8px;top:61px}.guide-copy{padding:17px}.guide-copy .eyebrow{font-size:8px;margin-bottom:6px}.guide-copy h3{font-size:14px;margin-bottom:6px}.guide-copy p{font-size:10px;margin-bottom:12px}.guide-link{font-size:9px}.section-heading .all-link{font-size:10px;align-self:flex-end;margin-top:-8px}.ad-container{margin-top:32px}.ad-slot{min-height:92px}.closing{padding-block:35px 41px;align-items:flex-start;flex-direction:column;gap:21px}.closing p{font-size:21px}.closing .button{font-size:10px;min-height:41px}.site-footer{padding-top:28px}.footer-top{flex-direction:column;gap:14px;padding-bottom:23px}.footer-top p{font-size:10px}.footer-links{font-size:10px;gap:15px;row-gap:13px;padding-top:0}.footer-bottom{flex-direction:column;gap:7px;font-size:9px}.footer-bottom>span:last-child{display:none}.page-head{padding-top:27px;padding-bottom:26px}.breadcrumbs{font-size:10px;gap:8px;margin-bottom:23px}.page-head .breadcrumbs{margin-bottom:23px}.page-head h1{font-size:29px;letter-spacing:-1.4px}.page-head>p:not(.eyebrow){font-size:12px;line-height:1.9}.calculator-layout{gap:20px}.calculator-panel{padding:21px 18px;border-radius:13px}.panel-heading{margin-bottom:23px}.panel-heading h2{font-size:16px}.panel-heading>span{font-size:9px}.form-fields{gap:17px 12px}.field{font-size:11px;gap:6px}.input-wrap input{height:46px;font-size:13px;padding-right:43px;padding-left:10px}.input-wrap .unit{font-size:9px;right:10px}.field select{font-size:11px;height:46px;width:100%}.result{padding:18px;margin-top:21px}.result-primary>strong{font-size:26px}.result-primary>span{font-size:11px}.result-primary p{font-size:10px}.result-metrics{gap:17px 12px}.metric>span{font-size:10px}.metric>strong{font-size:15px}.info-panel{padding:23px;border-radius:13px}.info-panel h2{font-size:17px}.info-panel p:not(.eyebrow){font-size:11px}.local-note{font-size:9px}.narrow>h2{font-size:21px}summary{font-size:12px}details>p{font-size:12px}.article{padding-top:28px;padding-bottom:45px}.article h1{font-size:29px;letter-spacing:-1.2px;line-height:1.55}.article-lead{font-size:14px}.article-meta{font-size:10px}.article h2{font-size:19px;margin-top:28px}.article section>p,.policy>p{font-size:13px;line-height:2.05}.article-cta{padding:23px}.article-cta h2{font-size:18px}.article-cta p{font-size:12px}.subscription-row{padding:14px;gap:10px}.subscription-row label{font-size:10px}.subscription-row input:not([type=checkbox]),.subscription-row select{font-size:11px}.notice{font-size:12px}.form-error{font-size:11px}}
@media(max-width:360px){.container{width:calc(100% - 28px)}.hero h1{font-size:38px}.nav-wrap nav{gap:13px}.logo{font-size:18px}.tool-card-top{align-items:flex-start;flex-direction:column;gap:7px}.tool-card{min-height:253px}.filters{gap:4px}.filter{padding-inline:11px}.hero-calculator{padding:20px}.compact .result-primary>strong{font-size:23px}.form-fields{grid-template-columns:1fr}.full{grid-column:auto}}
@media(prefers-reduced-motion:reduce){*,*:before,*:after{scroll-behavior:auto!important;transition:none!important;animation:none!important}}

.worked-examples>h2{font-size:24px;letter-spacing:-1px;margin:8px 0 12px}.example-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px;margin-top:25px}.example-card{min-width:0;border:1px solid var(--line);border-radius:14px;background:white;padding:25px}.example-card h3{font-size:18px;line-height:1.6;letter-spacing:-.5px;margin:8px 0 14px}.example-conditions{font-size:12px;line-height:1.9;color:var(--muted);padding-bottom:18px;border-bottom:1px solid var(--line)}.example-metrics{margin:20px 0}.example-metrics>div{display:flex;flex-wrap:wrap;align-items:baseline;justify-content:space-between;gap:7px;margin:13px 0}.example-metrics dt{font-size:12px;color:var(--muted)}.example-metrics dd{margin:0;font-size:18px;font-weight:700;color:var(--green);font-variant-numeric:tabular-nums}.example-steps{padding-left:20px;font-size:12px;line-height:2;overflow-wrap:anywhere}.example-takeaway{font-size:12px;line-height:2;color:#5f6e60;background:#f0f3e9;border-radius:8px;padding:15px;margin:20px 0 0;word-break:keep-all;overflow-wrap:anywhere}.example-takeaway strong{display:block;color:var(--ink);margin-bottom:6px}.related-guide{display:block;font-size:12px;line-height:1.9;margin-top:14px;color:var(--green);text-decoration:underline;text-underline-offset:4px}.related-guide .icon{width:13px;height:13px;vertical-align:middle}.article-contents{padding:22px 26px;border:1px solid var(--line);border-radius:12px;background:white}.article-contents h2{font-size:16px;margin:0 0 12px}.article-contents ol{padding-left:20px;margin:0;font-size:13px;line-height:2}.article-contents a,.article-references a{color:var(--green);text-decoration:underline;text-underline-offset:4px}.article section[id]{scroll-margin-top:24px}.article-references{margin:32px 0;padding-top:12px;border-top:1px solid var(--line)}.article-references h2{font-size:17px}.article-references ul{padding-left:20px;font-size:13px;line-height:2}
@media(max-width:620px){.example-grid{grid-template-columns:1fr;gap:16px}.example-card{padding:21px}.worked-examples>h2{font-size:22px}.example-card h3{font-size:17px}.article-contents{padding:20px}.article-contents ol{font-size:12px}}
.article-contents ol{list-style:none;padding-left:0}