:root{--ink:#152b2c;--muted:#526766;--paper:#fbfaf5;--white:#fff;--sage:#dce9df;--mint:#eef4ee;--green:#0d5b4c;--orange:#d96b36;--line:#d9dfd9;--navy:#102e32}*{box-sizing:border-box}html{scroll-behavior:smooth}body{background:var(--paper);color:var(--ink);margin:0;font-family:Arial,Helvetica,sans-serif;line-height:1.6}a{color:inherit;text-underline-offset:3px;text-decoration-thickness:1px}.wrap{width:min(1140px,100% - 40px);margin-inline:auto}.skip{position:absolute;top:8px;left:-9999px}.skip:focus{z-index:99;background:#fff;padding:10px;left:8px}.site-header{border-bottom:1px solid var(--line);z-index:20;background:#fbfaf5f5;position:sticky;top:0}.nav{justify-content:space-between;align-items:center;gap:24px;height:76px;display:flex}.brand{letter-spacing:-.02em;align-items:center;gap:10px;font-size:18px;font-weight:700;text-decoration:none;display:flex}.brand b{color:var(--orange)}.brand-mark{background:var(--green);color:#fff;border-radius:50% 50% 50% 14%;place-items:center;width:34px;height:34px;font-family:Georgia,serif;font-size:21px;display:grid}.nav nav{gap:26px;font-size:14px;font-weight:700;display:flex}.nav nav a{text-decoration:none}.nav nav a:hover{color:var(--green)}h1,h2,h3{letter-spacing:-.025em;margin-top:0;font-family:Georgia,Times New Roman,serif;line-height:1.08}h1{max-width:830px;font-size:clamp(42px,6vw,72px)}h2{font-size:clamp(30px,4vw,47px)}h3{font-size:23px}.hero{background:linear-gradient(125deg,var(--paper) 55%,var(--mint));padding:90px 0 80px}.hero-grid{grid-template-columns:1.25fr .75fr;align-items:center;gap:70px;display:grid}.eyebrow{text-transform:uppercase;letter-spacing:.14em;color:var(--green);font-size:12px;font-weight:800}.lede{color:#344c4c;max-width:680px;font-size:21px}.actions{align-items:center;gap:24px;margin:32px 0 18px;display:flex}.button{background:var(--green);color:#fff;border:2px solid var(--green);border-radius:4px;padding:14px 20px;font-weight:800;text-decoration:none;display:inline-block}.button:hover{background:#073f35}.text-link{color:var(--green);font-weight:800}.micro{color:var(--muted);font-size:13px}.hero-card{background:var(--white);border:1px solid var(--line);box-shadow:12px 12px 0 var(--sage);padding:32px;transform:rotate(1deg)}.hero-card h2{font-size:34px}.card-label,.tag{background:var(--sage);color:var(--green);text-transform:uppercase;letter-spacing:.08em;border-radius:99px;padding:4px 9px;font-size:11px;font-weight:800;display:inline-block}.cost-line{align-items:center;gap:12px;margin:15px 0;font-size:14px;display:flex}.cost-line i{border-bottom:2px dotted #9cacaa;flex:1}.total-line{border-top:2px solid var(--ink);justify-content:space-between;margin-top:20px;padding-top:14px;display:flex}.section{padding:80px 0}.section-head{justify-content:space-between;align-items:end;gap:30px;margin-bottom:35px;display:flex}.section-head h2{margin-bottom:0}.cards{gap:18px;display:grid}.three{grid-template-columns:repeat(3,1fr)}.card{border:1px solid var(--line);background:#fff;flex-direction:column;min-height:275px;padding:26px;text-decoration:none;transition:all .2s;display:flex}.card:hover{border-color:var(--green);transform:translateY(-4px)}.card h3{margin:16px 0 10px}.card p{color:var(--muted);font-size:14px}.number{color:var(--orange);float:right;align-self:flex-end;font-family:Georgia,serif;font-size:22px}.read{color:var(--green);margin-top:auto;font-size:13px;font-weight:800}.tint{background:var(--navy);color:#fff}.tint .eyebrow{color:#8cd0ae}.tint .section-head p{color:#cfdddd;max-width:600px}.tool-grid{grid-template-columns:repeat(4,1fr);gap:16px;display:grid}.tool{background:#173a3e;border:1px solid #416064;padding:24px;text-decoration:none}.tool>span{color:#f49a67;font-size:34px}.tool h3{margin:12px 0}.tool p{color:#c7d5d5;font-size:14px}.tool b{color:#9bd8b9;font-size:13px}.trust{grid-template-columns:.9fr 1.1fr;gap:70px;display:grid}.trust-points{border-left:1px solid var(--line);padding-left:40px}.trust-points p{border-bottom:1px solid var(--line);padding-bottom:18px}.cta{background:var(--green);color:#fff;text-align:center;padding:75px 0}.cta .eyebrow{color:#bce4c9}.cta p:not(.eyebrow){max-width:720px;margin:0 auto 25px}.button.light{color:var(--green);background:#fff;border-color:#fff}.notice{background:#fff4df;border-block:1px solid #e7c792;padding:15px 0;font-size:14px;font-weight:700}footer{color:#dce7e7;background:#0b2427;padding:60px 0 25px}.footer-grid{grid-template-columns:1.5fr 1fr 1fr;gap:60px;display:grid}.footer-grid h2{text-transform:uppercase;letter-spacing:.1em;color:#91b6b5;font-family:Arial,sans-serif;font-size:13px}.footer-grid a{color:#dce7e7;margin:8px 0;display:block}.inverse .brand-mark{color:#0d5b4c;background:#d8eadf}.copyright{color:#99aeae;border-top:1px solid #294346;margin-top:40px;padding-top:22px;font-size:12px}.page-hero{background:var(--mint);border-bottom:1px solid var(--line);padding:65px 0 45px}.page-hero h1{margin-bottom:16px;font-size:clamp(38px,5vw,60px)}.page-hero p{max-width:760px;color:var(--muted);font-size:19px}.listing{padding:60px 0}.guide-layout{grid-template-columns:minmax(0,760px) 260px;align-items:start;gap:70px;padding:55px 0;display:grid}.breadcrumbs{color:var(--muted);margin-bottom:25px;font-size:13px}.article h1{font-size:clamp(38px,5vw,59px)}.article-meta{color:var(--muted);border-block:1px solid var(--line);flex-wrap:wrap;gap:12px;padding:14px 0;font-size:13px;display:flex}.quick-answer{border-left:5px solid var(--green);background:#eaf3ec;margin:28px 0;padding:22px}.article h2{margin-top:45px;font-size:32px}.article h3{margin-top:30px;font-size:23px}.article p,.article li{font-size:17px}.article table{border-collapse:collapse;width:100%;margin:22px 0}.article th,.article td{text-align:left;border:1px solid var(--line);vertical-align:top;padding:12px}.article th{background:var(--mint)}.formula{color:#fff;background:#122f33;border-radius:4px;padding:20px;font-family:Consolas,monospace;overflow:auto}.risk{background:#fff4df;border:1px solid #e5c898;padding:22px}.sources{border:1px solid var(--line);background:#fff;padding:22px}.toc{border:1px solid var(--line);background:#fff;padding:20px;position:sticky;top:100px}.toc h2{text-transform:uppercase;letter-spacing:.1em;font:800 12px Arial}.toc a{margin:9px 0;font-size:13px;display:block}.related{grid-template-columns:repeat(3,1fr);gap:12px;display:grid}.related a{border:1px solid var(--line);background:#fff;padding:15px;font-weight:700}.policy{max-width:800px;padding:60px 0}.policy h2{margin-top:42px;font-size:32px}.glossary{grid-template-columns:repeat(2,1fr);gap:15px;display:grid}.term{border-top:3px solid var(--green);background:#fff;padding:22px}.term dt{font-family:Georgia,serif;font-size:23px;font-weight:700}.term dd{color:var(--muted);margin:8px 0}.calc-shell{grid-template-columns:1fr 1fr;gap:28px;display:grid}.calc-panel{border:1px solid var(--line);background:#fff;padding:26px}.field{margin:16px 0}.field label{font-weight:800;display:block}.field small{color:var(--muted);display:block}input{width:100%;font:inherit;border:1px solid #849796;border-radius:3px;margin-top:5px;padding:12px}button{font:inherit;cursor:pointer}.button.secondary{color:var(--green);background:0 0;margin-left:8px}.results{background:var(--navy);color:#fff;padding:26px}.result-big{margin:5px 0;font-family:Georgia,serif;font-size:40px}.result-grid{grid-template-columns:1fr 1fr;gap:12px;display:grid}.result-grid div{border-top:1px solid #456064;padding-top:12px}.amort{max-height:320px;overflow:auto}.error{color:#a32618;font-weight:700}.not-found{text-align:center;padding:100px 20px}@media (max-width:850px){.nav{align-items:flex-start;height:auto;padding:15px 0}.nav nav{flex-wrap:wrap;justify-content:flex-end;gap:8px 18px}.hero-grid,.trust,.guide-layout,.calc-shell{grid-template-columns:1fr}.hero-card{transform:none}.three,.tool-grid{grid-template-columns:repeat(2,1fr)}.toc{order:-1;position:static}.footer-grid{grid-template-columns:1fr 1fr}.footer-grid>div:first-child{grid-column:1/-1}}@media (max-width:560px){.wrap{width:min(100% - 28px,1140px)}.nav{display:block}.nav nav{justify-content:flex-start;margin-top:12px;font-size:13px}.hero{padding:55px 0}.actions{flex-direction:column;align-items:flex-start}.three,.tool-grid,.related,.glossary{grid-template-columns:1fr}.section{padding:55px 0}.section-head{flex-direction:column;align-items:start}.footer-grid{grid-template-columns:1fr}.footer-grid>div:first-child{grid-column:auto}.article-meta,.article-meta span{display:block}.result-grid{grid-template-columns:1fr}}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}.card{transition:none}}