:root{--bg: #ffffff;--bg-soft: #f5ebdd;--bg-cream: #f5ebdd;--ink: #253247;--ink-mid: #465365;--ink-soft: #727d8b;--line: #e5ded4;--line-strong: #d4c7b7;--accent: #e47755;--accent-ink: #a94f32;--accent-bright: #e47755;--accent-soft: #f8e6df;--warn-bg: #fdf4e3;--warn-line: #e8c98a;--radius-sm: 8px;--radius: 12px;--radius-lg: 18px;--wrap: 1440px;--measure: 100%;--wrap-wide: 1440px;--shadow-sm: 0 1px 2px rgba(16, 22, 19, .05);--shadow: 0 1px 3px rgba(16, 22, 19, .06), 0 8px 24px -12px rgba(16, 22, 19, .18)}*{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}body{margin:0;background:var(--bg);color:var(--ink);font:17px/1.65 -apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Helvetica,Arial,sans-serif;font-feature-settings:"kern" 1;-webkit-font-smoothing:antialiased;overflow-x:hidden}a{color:var(--accent);text-underline-offset:3px;text-decoration-thickness:1px}a:hover{text-decoration-thickness:2px}img,svg{max-width:100%}.wrap{width:100%;max-width:var(--wrap);margin:0 auto;padding:0 22px}@media(min-width:1024px){.wrap{padding:0 32px}}main>.wrap>*{max-width:100%;margin-left:0;margin-right:0}main>.wrap>section,main>.wrap>.card-grid,main>.wrap>.table-scroll,main>.wrap>.calc,main>.wrap>.article-list{max-width:100%}.bleed{width:100vw;margin-left:calc(50% - 50vw);margin-right:calc(50% - 50vw)}.site-header{position:sticky;top:0;z-index:50;border-bottom:1px solid var(--line);background:#ffffffdb;backdrop-filter:saturate(180%) blur(12px);-webkit-backdrop-filter:saturate(180%) blur(12px);padding-top:env(safe-area-inset-top,0px)}.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:64px}@media(max-width:767px){.site-header{padding-top:max(14px,env(safe-area-inset-top,14px));padding-bottom:10px}.site-header .wrap{flex-direction:column;align-items:flex-start;gap:12px;min-height:auto;padding:0 18px}.brand{padding-top:2px}.site-nav{width:100%;overflow-x:auto;scrollbar-width:none;-webkit-overflow-scrolling:touch;padding:2px 18px 4px;margin:0 -18px}.site-nav::-webkit-scrollbar{display:none}.site-nav a{white-space:nowrap;font-size:14.5px;padding:6px 12px}}.brand{font-weight:700;font-size:17px;letter-spacing:-.015em;color:var(--ink);text-decoration:none;display:inline-flex;align-items:center;gap:9px}.brand:hover{text-decoration:none}.brand-mark{display:grid;place-items:center;width:28px;height:28px;border-radius:8px;background:var(--accent);color:#fff;flex:none}.brand-mark svg{width:17px;height:17px}.site-nav{display:flex;gap:4px;font-size:15px}.site-nav a{color:var(--ink-soft);text-decoration:none;padding:7px 11px;border-radius:999px;transition:color .15s ease,background .15s ease}.site-nav a:hover{color:var(--accent);background:var(--accent-soft);text-decoration:none}.site-nav a[aria-current=page]{color:var(--accent-ink);background:var(--accent-soft);font-weight:600}main{padding:40px 0 72px}.page-head{margin-bottom:34px}.breadcrumb{font-size:13px;color:var(--ink-soft);margin-bottom:14px;display:flex;gap:7px;flex-wrap:wrap;align-items:center}.breadcrumb a{color:var(--ink-soft);text-decoration:none}.breadcrumb a:hover{color:var(--accent)}.breadcrumb span{color:var(--line-strong)}.eyebrow{display:inline-flex;align-items:center;gap:7px;font-size:12px;font-weight:700;letter-spacing:.09em;text-transform:uppercase;color:var(--accent);background:var(--accent-soft);border-radius:999px;padding:5px 12px;margin-bottom:18px}.eyebrow:before{content:"";width:6px;height:6px;border-radius:50%;background:var(--accent-bright)}h1{font-size:clamp(30px,3.4vw,48px);line-height:1.12;letter-spacing:-.028em;margin:0 0 14px;font-weight:800}h2{font-size:clamp(22px,3vw,26px);line-height:1.25;letter-spacing:-.02em;margin:52px 0 14px;font-weight:750}h2:first-of-type{margin-top:40px}h3{font-size:18px;line-height:1.35;margin:30px 0 8px;font-weight:700;letter-spacing:-.01em}p{margin:0 0 18px}.lede{font-size:18.5px;line-height:1.6;color:var(--ink-mid);margin-bottom:26px;max-width:65ch}.updated{display:inline-flex;align-items:center;gap:7px;font-size:12.5px;font-weight:600;color:var(--ink-soft);background:var(--bg-soft);border:1px solid var(--line);border-radius:999px;padding:4px 12px;margin-bottom:18px}.updated:before{content:"";width:6px;height:6px;border-radius:50%;background:var(--accent-bright)}ul,ol{padding-left:22px;margin:0 0 18px}li{margin-bottom:9px}li::marker{color:var(--accent)}strong{font-weight:650}hr{border:0;border-top:1px solid var(--line);margin:48px 0}small{font-size:13px}.hero{position:relative;background:linear-gradient(170deg,#f3f8f4,#fbfaf6 55%,#fff);border-bottom:1px solid var(--line);padding:64px 0 60px;margin-top:-40px;margin-bottom:8px;overflow:hidden}@media(min-width:900px){.hero{padding:88px 0 84px}}.hero:before{content:"";position:absolute;inset:0;background-image:radial-gradient(circle at 18% 12%,rgba(23,160,111,.16),transparent 42%),radial-gradient(circle at 88% 8%,rgba(15,92,71,.12),transparent 38%);pointer-events:none}.hero:after{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(16,22,19,.035) 1px,transparent 1px),linear-gradient(90deg,rgba(16,22,19,.035) 1px,transparent 1px);background-size:46px 46px;mask-image:radial-gradient(ellipse 70% 60% at 50% 30%,#000 30%,transparent 75%);-webkit-mask-image:radial-gradient(ellipse 70% 60% at 50% 30%,#000 30%,transparent 75%);pointer-events:none}.hero .wrap{position:relative;z-index:1}.hero-grid{display:grid;gap:36px;align-items:center}@media(min-width:900px){.hero-grid{grid-template-columns:1.08fr .92fr;gap:56px}.hero-preview{justify-self:end}}.hero-preview{background:#fff;border:1px solid var(--line-strong);border-radius:16px;box-shadow:0 24px 60px -28px #0a443380,0 2px 6px #1016130d;overflow:hidden;max-width:420px;width:100%}.preview-top{display:flex;align-items:center;gap:10px;padding:10px 14px;background:var(--bg-soft);border-bottom:1px solid var(--line);font-size:12px;font-weight:650;letter-spacing:.04em;text-transform:uppercase;color:var(--ink-soft)}.preview-dots{display:flex;gap:4px}.preview-dots i{width:7px;height:7px;border-radius:50%;background:#d3dcd7}.preview-body{padding:16px}.preview-fields{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-bottom:14px}.preview-field{border:1px solid var(--line);border-radius:8px;padding:7px 10px;font-size:11px;font-weight:700;letter-spacing:.05em;text-transform:uppercase;color:var(--ink-soft);background:#fff}.preview-field b{display:block;margin-top:1px;font-size:14.5px;font-weight:700;letter-spacing:-.01em;text-transform:none;color:var(--ink);font-variant-numeric:tabular-nums}.preview-result{display:flex;align-items:baseline;gap:7px;flex-wrap:wrap;background:linear-gradient(165deg,#0f5c47,#0a4433);border-radius:10px;padding:12px 16px;color:#fff}.preview-result span{font-size:11px;font-weight:700;letter-spacing:.09em;text-transform:uppercase;color:#9fd3bd;flex-basis:100%}.preview-result strong{font-size:38px;line-height:1;font-weight:800;letter-spacing:-.03em;font-variant-numeric:tabular-nums}.preview-result em{font-style:normal;font-size:13px;color:#9fd3bd;font-weight:600}.preview-rows{margin-top:10px;display:grid;gap:0}.preview-rows div{display:flex;justify-content:space-between;gap:10px;padding:7px 0;border-bottom:1px solid var(--line);font-size:12.5px;color:var(--ink-soft)}.preview-rows div:last-child{border-bottom:0}.preview-rows span:last-child{font-weight:700;color:var(--ink);font-variant-numeric:tabular-nums}.hero h1{font-size:clamp(32px,5.6vw,48px);max-width:18ch}.hero .lede{font-size:19px;max-width:54ch}.hero-actions{display:flex;flex-wrap:wrap;gap:10px;margin:26px 0 0}.btn{display:inline-flex;align-items:center;gap:8px;font-size:15.5px;font-weight:650;padding:11px 20px;border-radius:999px;text-decoration:none;border:1px solid transparent;transition:transform .12s ease,box-shadow .15s ease,background .15s ease}.btn:hover{text-decoration:none;transform:translateY(-1px)}.btn--primary{background:var(--accent);color:#fff;box-shadow:0 6px 18px -8px #0f5c47b3}.btn--ghost{background:#fff;color:var(--ink);border-color:var(--line-strong);box-shadow:var(--shadow-sm)}.btn--ghost:hover{border-color:var(--accent);color:var(--accent-ink)}.hero-meta{display:flex;flex-wrap:wrap;gap:8px;margin-top:30px}.chip{font-size:12.5px;font-weight:600;color:var(--ink-mid);background:#fff;border:1px solid var(--line);border-radius:999px;padding:5px 12px;display:inline-flex;align-items:center;gap:6px}.chip svg{width:13px;height:13px;color:var(--accent)}.table-scroll{overflow-x:auto;margin:22px 0 26px;border:1px solid var(--line);border-radius:var(--radius);background:#fff;box-shadow:var(--shadow-sm)}table{width:100%;border-collapse:collapse;font-size:15px;min-width:420px}th,td{text-align:left;padding:11px 15px;border-bottom:1px solid var(--line);vertical-align:top}th{background:var(--bg-soft);font-weight:700;font-size:11.5px;text-transform:uppercase;letter-spacing:.06em;color:var(--ink-soft)}td{color:var(--ink-mid)}tbody tr:nth-child(2n) td{background:#fcfdfc}tbody tr:last-child td{border-bottom:0}td:first-child{color:var(--ink);font-weight:550}.note{background:var(--accent-soft);border-left:3px solid var(--accent);border-radius:0 var(--radius) var(--radius) 0;padding:16px 20px;margin:26px 0;font-size:16px;color:var(--accent-ink)}.note p:last-child{margin-bottom:0}.card-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:14px;margin:26px 0;padding:0;list-style:none}.card{position:relative;border:1px solid var(--line);border-radius:var(--radius);padding:20px;background:#fff;transition:border-color .15s ease,box-shadow .15s ease,transform .15s ease}.card:hover{border-color:#b9d3c8;box-shadow:var(--shadow);transform:translateY(-2px)}.card h3{margin:12px 0 6px;font-size:17px}.card p{margin:0;font-size:14.5px;line-height:1.55;color:var(--ink-soft)}.card a{text-decoration:none;color:inherit}.card a:hover{text-decoration:none}.card a:after{content:"";position:absolute;inset:0;border-radius:var(--radius)}.card__icon{display:grid;place-items:center;width:38px;height:38px;border-radius:10px;background:var(--accent-soft);color:var(--accent)}.card__icon svg{width:20px;height:20px}.card--feature{border-color:#bfdccf;background:linear-gradient(180deg,#fbfdfc,#fff 60%)}@media(min-width:560px){.card--wide{display:grid;grid-template-columns:auto 1fr;grid-template-areas:"icon title" "icon text";column-gap:16px;align-items:start;padding:24px}.card--wide .card__icon{grid-area:icon;width:46px;height:46px;border-radius:12px}.card--wide .card__icon svg{width:24px;height:24px}.card--wide h3{grid-area:title;margin:0 0 4px;font-size:19px}.card--wide p{grid-area:text;font-size:15px}}.article-list{list-style:none;padding:0;margin:22px 0 30px;border-top:1px solid var(--line)}.article-list li{border-bottom:1px solid var(--line);padding:16px 0;margin:0}.article-list a{font-weight:650;text-decoration:none;font-size:16.5px;display:inline-flex;align-items:baseline;gap:8px}.article-list a:after{content:"→";font-weight:400;color:var(--accent);transition:transform .15s ease;display:inline-block}.article-list a:hover:after{transform:translate(3px)}.article-list .desc{display:block;font-size:14.5px;color:var(--ink-soft);font-weight:400;margin-top:3px;line-height:1.55;max-width:72ch}.steps{display:grid;gap:14px;margin:26px 0;padding:0;list-style:none;counter-reset:step}.steps li{counter-increment:step;position:relative;padding-left:46px;margin:0;font-size:15.5px;color:var(--ink-mid)}.steps li:before{content:counter(step);position:absolute;left:0;top:-1px;width:30px;height:30px;display:grid;place-items:center;border-radius:50%;background:var(--accent-soft);color:var(--accent-ink);font-size:13px;font-weight:700}.steps strong{color:var(--ink)}.calc{border:1px solid var(--line-strong);border-radius:var(--radius-lg);background:#fff;box-shadow:var(--shadow);overflow:hidden;margin:26px 0 10px}.calc__head{display:flex;align-items:center;justify-content:space-between;gap:12px;flex-wrap:wrap;padding:14px 22px;background:var(--bg-soft);border-bottom:1px solid var(--line)}.calc__title{font-size:13px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--ink-soft);margin:0}.calc__badge{font-size:11.5px;font-weight:700;letter-spacing:.05em;text-transform:uppercase;color:var(--accent-ink);background:var(--accent-soft);border-radius:999px;padding:3px 10px}.calc-body{display:grid;grid-template-columns:1fr}@media(min-width:720px){.calc-body{grid-template-columns:1.25fr 1fr}}.calc-inputs{padding:22px;display:grid;gap:16px;align-content:start}.calc-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(130px,1fr));gap:14px}.field{display:flex;flex-direction:column;gap:6px}.field label{font-size:12px;font-weight:700;letter-spacing:.04em;text-transform:uppercase;color:var(--ink-soft)}.field input,.field select{font:inherit;font-size:16px;font-weight:600;padding:10px 12px;border:1px solid var(--line-strong);border-radius:var(--radius-sm);background:#fff;color:var(--ink);width:100%;transition:border-color .15s ease,box-shadow .15s ease}.field input:hover,.field select:hover{border-color:#b3c2ba}.field input:focus,.field select:focus{outline:none;border-color:var(--accent);box-shadow:0 0 0 3px #0f5c4724}.field-hint{margin:0;font-size:12.5px;line-height:1.45;color:var(--ink-soft)}.check-row{display:flex;align-items:center;gap:9px;font-size:15px;color:var(--ink-mid)}.check-row input{width:18px;height:18px;accent-color:var(--accent);flex:none}.check-row label{cursor:pointer}.calc-output{background:linear-gradient(165deg,#0f5c47,#0a4433);color:#eaf5f0;padding:24px 22px;display:flex;flex-direction:column;gap:4px}.calc-output-label{margin:0;font-size:11.5px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:#9fd3bd}.calc-big{display:flex;align-items:baseline;gap:9px;margin:4px 0 2px}.calc-big strong{font-size:clamp(42px,8vw,54px);line-height:1;letter-spacing:-.035em;font-weight:800;color:#fff;font-variant-numeric:tabular-nums}.calc-big span{font-size:15px;color:#9fd3bd;font-weight:600}.calc-basis{margin:0 0 18px;font-size:13.5px;line-height:1.5;color:#b9dbcd}.calc-rows{margin:0;display:grid;gap:0;border-top:1px solid rgba(255,255,255,.16)}.calc-rows div{display:flex;justify-content:space-between;gap:12px;padding:9px 0;border-bottom:1px solid rgba(255,255,255,.1);font-size:14px;color:#b9dbcd}.calc-rows div:last-child{border-bottom:0}.calc-rows span:last-child{color:#fff;font-weight:700;font-variant-numeric:tabular-nums}.calc-fineprint{margin:16px 0 0;font-size:12px;line-height:1.5;color:#8fc0ab}.figure{margin:26px 0 30px}.figure__img{display:block;width:100%;height:auto;border-radius:var(--radius);border:1px solid var(--line);background:var(--bg-soft)}.figure__cap{margin:8px 0 0;font-size:12.5px;line-height:1.5;color:var(--ink-soft);display:flex;flex-wrap:wrap;gap:4px 12px}.figure__credit{color:#8b958f}.figure__credit a{color:#8b958f;text-decoration:underline;text-decoration-color:var(--line-strong)}.figure__credit a:hover{color:var(--accent)}.ad-slot{margin:32px 0;min-height:90px;display:flex;align-items:center;justify-content:center;border:1px dashed var(--line-strong);border-radius:var(--radius);background:var(--bg-soft);color:#9aa5a0;font-size:11px;letter-spacing:.1em;text-transform:uppercase}.ad-wrap{margin:32px 0}.faq{margin-top:8px}.faq h3{margin-top:26px;padding-top:20px;border-top:1px solid var(--line);font-size:17px}.faq p{color:var(--ink-mid);font-size:16px}.site-footer{border-top:1px solid var(--line);background:var(--bg-cream);padding:40px 0 46px;font-size:14px;color:var(--ink-soft)}.footer-grid{display:grid;grid-template-columns:1fr;gap:28px}@media(min-width:640px){.footer-grid{grid-template-columns:1.6fr 1fr 1fr;gap:32px}}.footer-brand{margin:0 0 10px;font-weight:700;font-size:16px;color:var(--ink)}.footer-brand span{color:var(--accent)}.site-footer p{margin:0;line-height:1.6}.footer-col h2{font-size:11.5px;letter-spacing:.09em;text-transform:uppercase;color:var(--ink-soft);margin:0 0 12px;font-weight:700}.footer-col ul{list-style:none;padding:0;margin:0;display:grid;gap:8px}.footer-col li{margin:0}.footer-col a{color:var(--ink-mid);text-decoration:none}.footer-col a:hover{color:var(--accent)}.footer-bottom{margin-top:30px;padding-top:20px;border-top:1px solid var(--line);display:flex;flex-wrap:wrap;gap:10px 20px;justify-content:space-between;font-size:12.5px;color:#8b958f}.disclosure{flex-basis:100%;max-width:640px;font-size:12.5px;line-height:1.6;color:#8b958f}.related{background:var(--bg-soft);border:1px solid var(--line);border-radius:var(--radius);padding:4px 22px 22px;margin:44px 0 0}.related h2{font-size:16px;margin:20px 0 6px;letter-spacing:0}.related .article-list{margin:0;border-top:0}@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}:root{--bg: #fffdf9;--bg-soft: #f5f1e9;--bg-cream: #f0e9dc;--ink: #20231f;--ink-mid: #51564e;--ink-soft: #777b72;--line: #e8e1d5;--line-strong: #d7cbbb;--accent: #b95636;--accent-ink: #873b25;--accent-bright: #d8794e;--accent-soft: #f8e9df;--warn-bg: #fff4df;--warn-line: #e7c78d;--radius-sm: 7px;--radius: 14px;--radius-lg: 22px;--wrap: 1120px;--measure: 780px;--wrap-wide: 1160px;--shadow-sm: 0 2px 8px rgba(45, 35, 24, .045);--shadow: 0 12px 32px -18px rgba(45, 35, 24, .24)}body{background:var(--bg);font-size:16.5px;line-height:1.7}a{text-decoration-thickness:1px}a:hover{color:var(--accent-ink)}.site-header{background:#fffdf9f0;border-bottom-color:#d7cbbbb8}.site-header .wrap{min-height:76px}.brand{gap:11px;font-size:19px;font-weight:800;letter-spacing:-.045em}.brand-mark{width:36px;height:36px;border-radius:11px;background:var(--ink);color:#fffdf9}.brand-mark svg{width:20px;height:20px}.brand-accent{color:var(--accent)}.site-nav{gap:5px}.site-nav a{color:var(--ink-mid);padding:8px 13px;font-size:14px;font-weight:600}.site-nav a:hover,.site-nav a[aria-current=page]{color:var(--accent-ink);background:var(--accent-soft)}main{padding-top:54px}h1,h2,h3{color:var(--ink)}h1{font-size:clamp(36px,5.2vw,58px);line-height:1.04;letter-spacing:-.055em;font-weight:800}h2{font-size:clamp(25px,3vw,32px);line-height:1.16;letter-spacing:-.04em;margin-top:64px}h3{letter-spacing:-.025em}.lede{color:var(--ink-mid);font-size:18px}.eyebrow{color:var(--accent-ink);background:var(--accent-soft);border-radius:5px;letter-spacing:.11em;padding:7px 11px}.eyebrow:before{background:var(--accent-bright)}.hero{background:#f2ece1;border:0;border-radius:0;padding:82px 0 76px;margin-top:-54px;margin-bottom:42px}.hero:before{background:radial-gradient(ellipse at 82% 22%,rgba(185,86,54,.13),transparent 38%),radial-gradient(ellipse at 12% 88%,rgba(116,123,92,.12),transparent 34%)}.hero:after{display:none}.hero-grid{gap:52px}.hero h1{max-width:13ch}.hero .lede{max-width:49ch;font-size:18px}.hero-preview{border:1px solid #ded2c1;border-radius:18px;box-shadow:0 24px 55px -34px #352a1d80;transform:rotate(1deg)}.preview-top{background:#f8f4ed}.preview-result{background:var(--ink);border-radius:12px}.preview-result span,.preview-result em{color:#e8b49c}.hero-actions{gap:12px}.btn{border-radius:7px;padding:13px 20px;font-size:14px;font-weight:700}.btn--primary{background:var(--accent);box-shadow:none}.btn--primary:hover{background:var(--accent-ink)}.btn--ghost{background:transparent;border-color:#cfc2b0}.btn--ghost:hover{background:#fffaf2;border-color:var(--accent)}.chip{border-color:#e2d8c9;background:#fffdf9bf;border-radius:5px;font-size:11.5px}.chip svg{color:var(--accent)}.figure{margin-top:30px;margin-bottom:42px}.figure__img{border-radius:16px}.card-grid{gap:16px;margin-top:30px}.card{border-color:var(--line);border-radius:14px;padding:23px;box-shadow:0 2px 8px #2d231806}.card:hover{border-color:#d7a48e;box-shadow:0 14px 30px -22px #50302257;transform:translateY(-3px)}.card__icon{width:42px;height:42px;border-radius:11px;background:var(--accent-soft);color:var(--accent-ink)}.card--feature{border-color:#d9b6a4;background:linear-gradient(145deg,#fbf0e8,#fffdf9 72%)}.card--feature .card__icon{background:var(--accent);color:#fff}.article-list{border-top-color:var(--line)}.article-list li{border-bottom-color:var(--line);padding:18px 0}.article-list a{color:var(--accent-ink)}.article-list a:hover{color:var(--accent)}.table-scroll,.calc{border-color:var(--line-strong);border-radius:16px;box-shadow:var(--shadow-sm)}th{background:var(--bg-soft);color:var(--ink-mid)}.note{background:#f8eee5;border-left-color:var(--accent);color:var(--accent-ink);border-radius:0 12px 12px 0}.calc__head{background:var(--bg-soft)}.calc-output{background:var(--ink);color:#fffaf2}.calc-output-label,.calc-big span{color:#e8b49c}.calc-basis,.calc-rows div{color:#e3d7c9}.calc-rows span:last-child{color:#fffaf2}.calc-fineprint{color:#c4ad9b}.field input:focus,.field select:focus{border-color:var(--accent);box-shadow:0 0 0 3px #b9563621}.check-row input{accent-color:var(--accent)}.site-footer{margin-top:48px;background:#242722;border-top:0;color:#c8c8bd;padding:58px 0 44px}.footer-brand{color:#fffdf9;font-size:19px}.footer-brand span{color:#e28b68}.footer-col h2{color:#e1b49f}.footer-col a{color:#d0d0c6}.footer-col a:hover{color:#f0a17d}.footer-bottom{border-top-color:#ffffff26;color:#a8aa9f}.disclosure{color:#a8aa9f}@media(max-width:767px){.site-header{padding-top:max(12px,env(safe-area-inset-top,12px))}.site-header .wrap{gap:10px}.brand{font-size:18px}.site-nav{padding:2px 18px 5px}main{padding-top:34px}.hero{padding:58px 0 48px;margin-top:-34px;margin-bottom:30px}.hero-grid{gap:32px}.hero h1{font-size:clamp(36px,10vw,48px)}.hero-preview{transform:none}h2{margin-top:48px}.card{padding:19px}.site-footer{margin-top:36px;padding:42px 0 34px}}@media(prefers-reduced-motion:reduce){.card,.btn,.site-nav a{transition:none}}:root{--bg:#fff;--bg-soft:#f5ebdd;--bg-cream:#f5ebdd;--ink:#253247;--ink-mid:#465365;--ink-soft:#657184;--line:#e7e1d8;--accent:#e47755;--accent-ink:#bd5638;--accent-bright:#f18b68;--accent-soft:#fae9e1}.site-header{background:#fff;border-bottom:1px solid #ece8e2}.site-header .wrap{min-height:88px}.brand{display:flex;align-items:center;gap:10px;color:#253247;text-decoration:none}.brand-mark{width:58px;height:58px;background:none;color:#e47755}.brand-mark svg{width:58px;height:58px;stroke:currentColor;stroke-width:2.7}.site-nav a{color:#253247}.site-nav a[aria-current=page]{background:#e47755;color:#fff}.hero{position:relative;isolation:isolate;min-height:760px;margin:0 0 55px;padding:0;display:flex;align-items:center;overflow:hidden;background:#253247}.hero-photo,.hero-shade{position:absolute;inset:0;z-index:-2}.hero-photo{background:url(https://images.unsplash.com/photo-1600585154340-be6161a56a0c?auto=format&fit=crop&w=2400&q=85) center 55%/cover no-repeat}.hero-shade{z-index:-1;background:linear-gradient(90deg,rgba(25,43,62,.97) 0%,rgba(25,43,62,.91) 32%,rgba(25,43,62,.64) 49%,rgba(25,43,62,.12) 72%,transparent)}.hero-inner{width:100%;padding:86px max(32px,calc((100vw - 1320px)/2)) 112px}.hero-copy{max-width:660px;color:#fff}.hero .eyebrow{display:inline-flex;align-items:center;gap:10px;color:#fff;background:#395e7ba6;border:1px solid rgba(185,213,220,.3);padding:9px 16px;margin-bottom:24px;font-size:14px;letter-spacing:.05em}.hero .eyebrow svg{width:20px;height:20px;fill:none;stroke:currentColor;stroke-width:2}.hero h1{color:#fff;font-size:clamp(42px,5.3vw,68px);line-height:1.04;letter-spacing:-.045em;max-width:11ch;margin:0 0 24px;font-weight:820}.hero h1 span{color:#e47755}.hero .lede{color:#fff;font-size:clamp(18px,1.7vw,22px);line-height:1.55;max-width:580px;margin-bottom:30px}.hero-actions{display:flex;gap:14px}.hero .btn{display:inline-flex;align-items:center;gap:10px;min-height:58px;padding:14px 24px;border-radius:999px;font-size:17px;font-weight:750}.hero .btn svg{width:23px;height:23px;fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}.hero .btn--primary{background:#e47755;color:#fff;border:1px solid #e47755}.hero .btn--primary:hover{background:#d36544;transform:translateY(-2px)}.hero .btn--ghost{background:#192b3e52;color:#fff;border:2px solid white}.hero .btn--ghost:hover{background:#ffffff24}.hero-meta{display:flex;flex-wrap:wrap;gap:22px;margin-top:30px}.trust-item{display:inline-flex;align-items:center;gap:9px;color:#fff;font-size:14px;font-weight:650;white-space:nowrap}.trust-item i{width:38px;height:38px;display:grid;place-items:center;border-radius:50%;background:#7797ae33;font-style:normal;font-size:20px}.hero-credit{position:absolute;right:18px;bottom:25px;color:#ffffffa6;font-size:10px}.hero:after{content:"";position:absolute;z-index:2;left:-4%;bottom:-65px;width:108%;height:112px;background:#fff;border-radius:48% 52% 0 0/42% 45% 0 0;transform:rotate(-1deg)}main{padding-top:0}@media(max-width:900px){.hero{min-height:690px}.hero-shade{background:linear-gradient(90deg,#192b3ef5,#192b3ecc 60%,#192b3e33)}}@media(max-width:767px){.hero{min-height:740px;align-items:flex-start}.hero-photo{background-position:62% center}.hero-shade{background:linear-gradient(180deg,#192b3ef0,#192b3ed1 58%,#192b3e40)}.hero-inner{padding:65px 22px 112px}.hero h1{font-size:clamp(39px,10vw,54px)}.hero-actions{flex-direction:column;align-items:flex-start}.hero .btn{width:min(100%,340px);justify-content:center;font-size:15px}.hero-meta{gap:10px 14px}.trust-item{font-size:12px}.trust-item i{width:32px;height:32px}.hero:after{height:80px;bottom:-48px}}main>.wrap>.bleed{width:100vw;max-width:none;margin-left:calc(50% - 50vw);margin-right:calc(50% - 50vw)}.hero>.hero-inner.wrap{width:100%;max-width:none;margin-left:0;margin-right:0;text-align:left}.hero .hero-copy{width:min(100%,660px);max-width:660px;margin-left:0;margin-right:auto;text-align:left}.hero .hero-actions,.hero .hero-meta{justify-content:flex-start}@media(min-width:900px){.hero>.hero-inner.wrap{padding-left:max(32px,calc((100vw - 1320px)/2));padding-right:max(32px,calc((100vw - 1320px)/2))}}.brand{gap:12px}.brand-lockup{display:flex;flex-direction:column;align-items:flex-start;gap:2px;line-height:1.15}.brand-lockup .brand-name{font-size:19px;font-weight:750;letter-spacing:-.035em;line-height:1.15}.brand-lockup small{display:block;margin:0;font-size:11px;line-height:1.3;font-weight:500;letter-spacing:.015em;color:#687487}.site-header .brand-mark{width:42px;height:42px;border-radius:11px}.site-header .brand-mark svg{width:30px;height:30px}@media(max-width:767px){.brand-lockup .brand-name{font-size:18px}.brand-lockup small{font-size:10.5px}}:root{--wrap: 1200px;--wrap-wide: 1320px;--measure: 900px}html{scroll-padding-top:96px}body{min-width:320px}.wrap,.wrap-wide{width:min(100% - 48px,var(--wrap));margin-inline:auto}.wrap-wide{max-width:var(--wrap-wide)}main>.wrap>*{min-width:0}main>.wrap>p,main>.wrap>ul,main>.wrap>ol,main>.wrap>.page-head,main>.wrap>.breadcrumb{max-width:var(--measure)}img,video,iframe{max-width:100%}.card-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));align-items:stretch}.card,.calc,.table-scroll,.note{overflow-wrap:anywhere}.table-scroll{width:100%;overflow-x:auto;-webkit-overflow-scrolling:touch}table{width:100%;border-collapse:collapse}th,td{padding:12px 14px;vertical-align:top}.field input,.field select,.field textarea{width:100%;max-width:100%;min-width:0}.calc{width:100%}.calc__body,.calc__grid,.calc-grid{min-width:0}.site-header .wrap{max-width:var(--wrap-wide)}.site-nav{flex-wrap:nowrap;align-items:center}.hero-inner{max-width:var(--wrap-wide);margin-inline:auto}.hero-copy{width:min(100%,640px)}.hero-actions{flex-wrap:wrap}.hero-meta{align-items:center}@media(min-width:1440px){.wrap{max-width:1240px}.hero-inner{max-width:1320px}.hero-copy{max-width:660px}main{padding-bottom:88px}}@media(max-width:1023px){:root{--wrap: 100%;--wrap-wide: 100%;--measure: 100%}.wrap,.wrap-wide{width:100%;padding-inline:24px}.site-header .wrap{gap:20px}.site-nav{gap:2px}.site-nav a{padding:8px 10px;font-size:14px}.card-grid{grid-template-columns:repeat(2,minmax(0,1fr))}main{padding-top:32px}.hero{min-height:640px}.hero-inner{padding-inline:24px}.hero h1{max-width:12ch}.calc{max-width:100%}}@media(max-width:767px){.wrap,.wrap-wide{padding-inline:18px}.site-header .wrap{align-items:flex-start;gap:12px;padding-inline:18px}.brand{max-width:100%}.brand-lockup .brand-name{font-size:18px}.brand-lockup small{font-size:10px}.site-nav{display:flex;width:calc(100% + 36px);margin-inline:-18px;padding:3px 18px 7px;overflow-x:auto;overscroll-behavior-x:contain}.site-nav a{flex:0 0 auto;padding:7px 11px;font-size:13px}main{padding:28px 0 52px}.page-head{margin-bottom:24px}h1{font-size:clamp(29px,8vw,38px);line-height:1.12}h2{font-size:23px;margin-top:38px}.lede{font-size:17px}.card-grid{grid-template-columns:minmax(0,1fr);gap:12px}.card{padding:18px}.table-scroll{border-radius:12px}th,td{padding:10px 12px;font-size:14px}.calc{border-radius:14px}.calc__body,.calc__content{padding:16px}.field{min-width:0}.hero{min-height:0;padding:0;margin-bottom:32px}.hero-inner{padding:54px 18px 100px}.hero-copy{max-width:100%}.hero h1{font-size:clamp(36px,10vw,48px);max-width:11ch}.hero .lede{font-size:17px}.hero-actions{width:100%;flex-direction:column;align-items:stretch}.hero .btn{width:100%;max-width:420px;justify-content:center}.hero-meta{gap:10px}.trust-item{white-space:normal}.hero:after{width:110%}.site-footer .wrap{padding-inline:18px}}@media(max-width:420px){.wrap,.wrap-wide,.site-header .wrap{padding-inline:14px}.site-nav{width:calc(100% + 28px);margin-inline:-14px;padding-inline:14px}.hero-inner{padding-inline:14px}.hero h1{font-size:35px}.hero .btn{padding:12px 16px;font-size:14px}.card{padding:16px}th,td{padding:9px 10px}}:root{--content-max: 1240px;--reading-max: 760px;--space-section: clamp(36px, 5vw, 72px)}:focus-visible{outline:3px solid #e47755;outline-offset:3px}button,.btn,.site-nav a,.card,.calc,input,select,textarea{transition:color .18s ease,background-color .18s ease,border-color .18s ease,box-shadow .18s ease,transform .18s ease}.btn:hover{transform:translateY(-1px)}.btn:active{transform:translateY(0)}main>.wrap{min-width:0}main>.wrap>:not(.bleed){min-width:0}.card-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:clamp(14px,2vw,24px)}.card-grid>*{min-width:0}input,select,textarea{max-width:100%;min-width:0}.table-scroll{max-width:100%;overflow-x:auto;-webkit-overflow-scrolling:touch}table{min-width:100%}.site-footer{background:#253247}@media(min-width:1280px){:root{--wrap: 1240px;--wrap-wide: 1320px;--measure: 760px}main{padding-top:48px}}@media(max-width:1023px){:root{--wrap: 100%;--wrap-wide: 100%;--measure: 100%}.wrap,.wrap-wide{padding-inline:24px}.card-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.site-header .wrap{gap:12px}.site-nav{gap:2px}.site-nav a{padding-inline:9px}}@media(max-width:767px){.wrap,.wrap-wide{padding-inline:18px}main{padding:28px 0 52px}.card-grid{grid-template-columns:minmax(0,1fr);gap:12px}.page-head{margin-bottom:26px}h1{font-size:clamp(29px,8vw,38px);line-height:1.12}h2{margin-top:38px}.lede{font-size:17px}.calc,.card{min-width:0}.calc{border-radius:14px}.hero-inner{padding-inline:18px}.hero-actions{flex-wrap:wrap}.hero-actions .btn{max-width:100%}.site-footer .footer-grid{grid-template-columns:minmax(0,1fr)}}@media(max-width:420px){.wrap,.wrap-wide{padding-inline:14px}.site-nav a{padding:6px 10px;font-size:13px}.hero h1{font-size:clamp(32px,9vw,38px)}th,td{padding:9px 10px}}@media(prefers-reduced-motion:reduce){*,*:before,*:after{scroll-behavior:auto!important;transition-duration:.01ms!important;animation-duration:.01ms!important;animation-iteration-count:1!important}}main>.wrap>.page-head,main>.wrap>.figure,main>.wrap>.ad-wrap,main>.wrap>.ad-slot,main>.wrap>h2,main>.wrap>h3,main>.wrap>.article-list,main>.wrap>.note,main>.wrap>.table-scroll,main>.wrap>.faq,main>.wrap>.related{max-width:100%;margin-left:0;margin-right:0}main>.wrap>.page-head{max-width:100%}main>.wrap>.page-head h1{max-width:22ch}main>.wrap>.page-head .lede{max-width:68ch}main>.wrap>.figure{width:min(100%,960px)}main>.wrap>.figure .figure__img{display:block;width:100%;height:auto;max-height:none;object-fit:contain;object-position:left center}@media(min-width:1024px){main>.wrap{max-width:1200px}main>.wrap>.figure{width:min(100%,1040px)}}@media(max-width:767px){main>.wrap>.figure{width:100%}}main>.wrap>.page-head h1{max-width:none;white-space:nowrap;font-size:clamp(30px,3.2vw,48px);letter-spacing:-.035em}main>.wrap>.page-head .lede{max-width:76ch}main>.wrap>figure,main>.wrap>.figure{width:100%;max-width:100%;margin-left:0;margin-right:0}main>.wrap>figure img,main>.wrap>.figure img,main>.wrap>.figure__img{display:block;width:100%;height:auto;max-height:none;object-fit:contain;object-position:center}@media(max-width:900px){main>.wrap>.page-head h1{white-space:normal}}.site-header{min-height:82px}.site-header .wrap,.site-nav{align-items:center}.site-nav a{transition:color .16s ease,background-color .16s ease,transform .16s ease}.hero{isolation:isolate;min-height:clamp(560px,42vw,690px);overflow:clip}.hero-photo{transform:scale(1.015);transition:transform .7s ease}.hero-shade{background:linear-gradient(90deg,#182738f0,#182738db 30%,#18273894 52%,#1827381f 78%,#1827380a),linear-gradient(0deg,rgba(24,39,56,.28),transparent 42%)}.hero-inner{padding-block:clamp(76px,7vw,108px) clamp(92px,8vw,120px)}.hero-copy{max-width:610px}.hero .eyebrow{margin-bottom:26px}.hero h1{max-width:13ch;font-size:clamp(48px,5.1vw,70px);line-height:1.04;letter-spacing:-.045em;text-wrap:balance}.hero h1 span{display:inline}.hero .lede{max-width:52ch;line-height:1.6;margin-top:24px}.hero-actions{gap:12px;margin-top:28px}.hero .btn{min-height:56px;padding-inline:22px}.hero-meta{gap:clamp(12px,2vw,24px);margin-top:26px;flex-wrap:wrap}.trust-item{font-size:13px;line-height:1.45}.home-tools{margin-block:0 44px}.home-tools__intro{max-width:760px;margin-bottom:28px}.home-tools__intro .section-kicker{display:inline-block;color:#c96546;font-size:12px;font-weight:800;letter-spacing:.12em;margin-bottom:10px}.home-tools__intro h2{margin:0 0 12px;max-width:24ch}.home-tools__intro p{max-width:66ch;margin:0;color:#586574;line-height:1.65}.home-tools .card-grid{margin-top:0}@media(min-width:768px){.hero-copy{padding-left:clamp(0px,1vw,14px)}.hero .btn--primary{box-shadow:0 8px 24px #e4775538}}@media(max-width:767px){.site-header{min-height:0}.site-header .wrap{align-items:flex-start}.hero{min-height:0}.hero-photo{background-position:62% center}.hero-shade{background:linear-gradient(90deg,#182738e8,#182738bd 68%,#18273873),linear-gradient(0deg,rgba(24,39,56,.42),transparent 60%)}.hero-inner{padding:52px 18px 76px}.hero-copy{max-width:100%}.hero h1{max-width:12ch;font-size:clamp(37px,9.5vw,52px);line-height:1.06}.hero .lede{max-width:38ch;margin-top:18px;font-size:16px}.hero-actions{margin-top:24px;gap:10px}.hero .btn{max-width:none;min-height:52px;padding:13px 16px}.hero-meta{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin-top:22px}.trust-item{white-space:normal;align-items:flex-start}.trust-item:last-child{grid-column:1 / -1}.home-tools{margin-bottom:34px}.home-tools__intro{margin-bottom:20px}.home-tools__intro h2{font-size:clamp(24px,6.5vw,32px);line-height:1.15}}@media(max-width:420px){.hero-inner{padding-inline:14px}.hero h1{font-size:clamp(34px,9vw,40px)}.hero-meta{grid-template-columns:1fr}.trust-item:last-child{grid-column:auto}}@media(prefers-reduced-motion:reduce){.hero-photo{transition:none}}.page-head{max-width:860px;margin-bottom:24px}.page-head .breadcrumb{margin-bottom:10px}.page-head .updated{margin-bottom:12px}.page-head h1{max-width:25ch;font-size:clamp(30px,3vw,44px);line-height:1.12;margin-bottom:12px}.page-head .lede{max-width:68ch;font-size:17px;line-height:1.55;margin-bottom:0}.page-head+figure,.page-head+.figure{margin-top:0}.page-head+figure img,.page-head+.figure img{display:block;width:100%;max-height:min(34vw,420px);object-fit:cover;object-position:center}.page-head+figure,.page-head+.figure{margin-bottom:28px}@media(max-width:767px){.page-head{margin-bottom:20px}.page-head h1{font-size:clamp(28px,7.5vw,36px)}.page-head .lede{font-size:16px;line-height:1.55}.page-head+figure img,.page-head+.figure img{max-height:230px}}.site-header .wrap{max-width:1120px;padding-left:28px;padding-right:28px}@media(max-width:767px){.site-header .wrap{max-width:100%;padding-left:18px;padding-right:18px}}@media(min-width:768px){.site-header .wrap{max-width:1320px;padding-left:max(32px,calc((100vw - 1320px)/2));padding-right:max(32px,calc((100vw - 1320px)/2))}}@media(max-width:767px){.site-header .wrap{align-items:flex-start;padding-left:22px;padding-right:22px}}@media(min-width:768px){.site-header .wrap{width:100%;max-width:none;padding-left:max(32px,calc((100vw - 1320px)/2));padding-right:max(32px,calc((100vw - 1320px)/2));justify-content:space-between}.site-header .brand{margin-left:0;flex:0 0 auto}.site-header .site-nav{margin-left:auto}}.astro-route-announcer{position:absolute;left:0;top:0;clip:rect(0 0 0 0);clip-path:inset(50%);overflow:hidden;white-space:nowrap;width:1px;height:1px}
