:root{--ink:#0f1612;--ink-soft:#2a3530;--ink-watermark:#16271d0f;--ink-watermark-dim:#16271d0a;--paper:#f5efe3;--paper-2:#ede5d2;--paper-3:#e3d9c1;--moss:#2d4a3a;--moss-deep:#16271d;--moss-darker:#0c1a13;--gold:#b8862a;--gold-soft:#d4a850;--gold-paper:#e8c878;--rule:#c9bea4;--rule-soft:#d8cfb7;--danger:#8a3b2e;--danger-deep:#6f2e23;--danger-paper:#e6a890;--success-soft:#8cc4a724;--chart-1:var(--moss-darker);--chart-2:var(--moss-deep);--chart-3:var(--moss);--chart-4:var(--gold);--chart-5:var(--gold-soft);--chart-6:var(--gold-paper);--chart-ramp-moss-mid:#22382a;--chart-ramp-olive:#5e6e44;--chart-ramp-olive-warm:#8a8a48;--chart-ramp-gold-mid:#c19a40;--chart-ramp-gold-warm:#dfb966;--chart-fica:#a87b3f;--chart-state:#7a8b6b;--asset-large:#2d4a3a;--asset-small:#4f6e57;--asset-intl:#626b3e;--asset-em:#9a5b3f;--asset-bonds:#90825c;--asset-cash:#bcb091;--asset-mix-band:#efe6cb;--chart-stripes-incomplete:repeating-linear-gradient(45deg, #f5efe32e 0 6px, #f5efe30a 6px 12px);--chart-stripes-incomplete-on-light:repeating-linear-gradient(45deg, transparent 0 4px, var(--rule-soft) 4px 5px);--gold-warn:#f4c690;--shadow-sm:0 1px 0 #0f16120a, 0 4px 8px -4px #0f16121f;--shadow-md:0 1px 0 #0f16120a, 0 12px 24px -12px #0f16122e;--shadow-lg:0 1px 0 #0f16120a, 0 30px 60px -30px #0f161247;--serif:"Fraunces", "Iowan Old Style", Georgia, serif;--sans:"Inter Tight", system-ui, -apple-system, "Segoe UI", sans-serif;--mono:"JetBrains Mono", ui-monospace, SFMono-Regular, Menlo, monospace;--wrap-max:1440px;--wrap-pad:32px;--header-h:88px}@media (width<=480px){:root{--wrap-pad:18px}}@font-face{font-family:Fraunces;font-style:normal;font-display:swap;font-weight:100 900;src:url(/_astro/fraunces-latin-full-normal.CFFu7zhK.woff2)format("woff2-variations");unicode-range:U+??,U+131,U+152-153,U+2BB-2BC,U+2C6,U+2DA,U+2DC,U+304,U+308,U+329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}@font-face{font-family:Fraunces;font-style:italic;font-display:swap;font-weight:100 900;src:url(/_astro/fraunces-latin-full-italic.D2JnYqd-.woff2)format("woff2-variations");unicode-range:U+??,U+131,U+152-153,U+2BB-2BC,U+2C6,U+2DA,U+2DC,U+304,U+308,U+329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}@font-face{font-family:Inter Tight;font-style:normal;font-display:swap;font-weight:100 900;src:url(/_astro/inter-tight-latin-wght-normal.DX-nOvPD.woff2)format("woff2-variations");unicode-range:U+??,U+131,U+152-153,U+2BB-2BC,U+2C6,U+2DA,U+2DC,U+2000-206F,U+2074,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}@font-face{font-family:JetBrains Mono;font-style:normal;font-display:swap;font-weight:100 800;src:url(/_astro/jetbrains-mono-latin-wght-normal.B9CIFXIH.woff2)format("woff2-variations");unicode-range:U+??,U+131,U+152-153,U+2BB-2BC,U+2C6,U+2DA,U+2DC,U+2000-206F,U+2074,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}*,:before,:after{box-sizing:border-box}html,body{margin:0;padding:0}html{scroll-behavior:smooth;scroll-padding-top:calc(var(--header-h) + 20px);overflow-x:clip}body{background:var(--paper);color:var(--ink);font-family:var(--sans);-webkit-font-smoothing:antialiased;text-rendering:optimizelegibility;background-image:radial-gradient(1400px 700px at 95% -15%,#b8862a1a,#0000 55%),radial-gradient(1000px 600px at -10% 30%,#2d4a3a12,#0000 60%);font-size:16px;line-height:1.55;overflow-x:clip}body:before{content:"";pointer-events:none;opacity:.45;mix-blend-mode:multiply;z-index:1;background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='200' height='200'><filter id='n'><feTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='2' stitchTiles='stitch'/><feColorMatrix values='0 0 0 0 0  0 0 0 0 0  0 0 0 0 0  0 0 0 0.07 0'/></filter><rect width='100%' height='100%' filter='url(%23n)'/></svg>");position:fixed;inset:0}::selection{background:var(--gold-paper);color:var(--moss-darker)}.wrap{max-width:var(--wrap-max);padding:0 var(--wrap-pad);z-index:2;margin:0 auto;position:relative}.eyebrow{font-family:var(--mono);letter-spacing:.22em;text-transform:uppercase;color:var(--moss);align-items:center;gap:12px;font-size:11.5px;display:inline-flex}.eyebrow:before{content:"";background:var(--moss);width:32px;height:1px}.btn{cursor:pointer;border-radius:999px;align-items:center;gap:10px;padding:15px 26px;font-family:inherit;font-size:15px;font-weight:500;text-decoration:none;transition:transform .15s,background .15s,box-shadow .15s,border-color .15s,color .15s;display:inline-flex}.btn-primary{background:var(--moss-deep);color:var(--paper);border:1px solid var(--moss-deep)}.btn-primary:hover{background:var(--moss-darker);box-shadow:var(--shadow-md);transform:translateY(-1px)}.btn-ghost{color:var(--ink);border:1px solid var(--moss);background:0 0}.btn-ghost:hover{border-color:var(--moss-darker);background:var(--paper-2);color:var(--moss-darker)}.btn .arrow{transition:transform .2s}.btn:hover .arrow{transform:translate(3px)}.confirm-dialog{width:100%;max-width:min(440px,100vw - 32px);color:var(--ink);font-family:var(--sans);background:0 0;border:none;padding:0}.confirm-dialog::backdrop{-webkit-backdrop-filter:blur(2px);background:#141c1873}.confirm-dialog-inner{background:var(--paper);border:1px solid var(--rule);box-shadow:var(--shadow-lg,0 24px 64px #141c1840);border-radius:18px;padding:28px 28px 22px}.confirm-dialog-title{font-family:var(--serif);font-variation-settings:"opsz" 28;letter-spacing:-.015em;color:var(--ink);margin:0 0 10px;font-size:24px;font-weight:400;line-height:1.2}.confirm-dialog-message{font-family:var(--serif);color:var(--ink-soft);margin:0 0 22px;font-size:15.5px;line-height:1.55}.confirm-dialog-actions{justify-content:flex-end;gap:10px;display:flex}.confirm-dialog-btn{letter-spacing:0;cursor:pointer;border-radius:999px;padding:11px 22px;font-family:inherit;font-size:14px;font-weight:500;transition:background .15s,color .15s,border-color .15s,transform .15s}.confirm-dialog-cancel{color:var(--ink-soft);border:1px solid var(--rule);background:0 0}.confirm-dialog-cancel:hover{background:var(--paper-2);color:var(--ink);border-color:var(--moss)}.confirm-dialog-confirm{background:var(--moss-deep);color:var(--paper);border:1px solid var(--moss-deep)}.confirm-dialog-confirm:hover{background:var(--moss-darker);transform:translateY(-1px)}.confirm-dialog-confirm.is-destructive{background:var(--danger);border-color:var(--danger)}.confirm-dialog-confirm.is-destructive:hover{background:var(--danger-deep);border-color:var(--danger-deep)}@media (width<=480px){.confirm-dialog-inner{border-radius:14px;padding:22px 20px 18px}.confirm-dialog-title{font-size:20px}.confirm-dialog-actions{flex-direction:column-reverse}.confirm-dialog-btn{width:100%;padding:13px 22px}}section{padding:120px 0}.section-head{flex-wrap:wrap;justify-content:space-between;align-items:end;gap:40px;margin-bottom:56px;display:flex}.section-head h2{font-family:var(--serif);font-variation-settings:"opsz" 60;letter-spacing:-.025em;max-width:16ch;margin:12px 0 0;font-size:clamp(38px,5vw,64px);font-weight:320;line-height:1}.section-head h2 em{color:var(--moss);font-variation-settings:"opsz" 60, "SOFT" 100;font-style:italic}.section-head p{max-width:52ch;color:var(--ink-soft);margin:0;font-size:16.5px;line-height:1.55}.reveal{opacity:0;animation:1s cubic-bezier(.2,.7,.2,1) forwards reveal;transform:translateY(16px)}.reveal.d1{animation-delay:50ms}.reveal.d2{animation-delay:.18s}.reveal.d3{animation-delay:.32s}.reveal.d4{animation-delay:.46s}.reveal.d5{animation-delay:.6s}@keyframes reveal{to{opacity:1;transform:none}}.reveal-in{transition:opacity 1s cubic-bezier(.2,.7,.2,1),transform 1s cubic-bezier(.2,.7,.2,1)}.js .reveal-in{opacity:0;transform:translateY(16px)}.js .reveal-in.is-visible{opacity:1;transform:none}.js .reveal-in.d1{transition-delay:50ms}.js .reveal-in.d2{transition-delay:.14s}.js .reveal-in.d3{transition-delay:.23s}.js .reveal-in.d4{transition-delay:.32s}.js .reveal-in.d5{transition-delay:.41s}@media (prefers-reduced-motion:reduce){*,:before,:after{scroll-behavior:auto!important;transition-duration:.01ms!important;animation-duration:.01ms!important;animation-iteration-count:1!important}.reveal{opacity:1;transform:none}}@media (width<=960px){section{padding:80px 0}.section-head p{max-width:64ch}}.why-this-matters{border-left:3px solid var(--gold);font-family:var(--serif);background:#b8862a1f;border-radius:3px 10px 10px 3px;max-width:52ch;margin:0 0 22px;padding:14px 18px;font-size:14.5px;font-style:italic;font-weight:380;line-height:1.5}.glossary-term{color:inherit;text-decoration:underline dotted;text-decoration-color:var(--gold);text-underline-offset:3px;cursor:help;text-decoration-thickness:1px;transition:text-decoration-color .15s,color .15s}.glossary-term:hover,.glossary-term:focus{color:var(--gold-paper);text-decoration-color:var(--gold-paper)}.glossary-term:focus-visible{outline:2px solid var(--gold);outline-offset:2px;border-radius:2px}.has-tooltip{cursor:help;position:relative}.has-tooltip:after{content:"ⓘ";color:var(--gold);opacity:.85;vertical-align:baseline;margin-left:5px;font-size:.85em;transition:opacity .15s,color .15s;display:inline-block}.has-tooltip:hover:after,.has-tooltip:focus:after,.has-tooltip:focus-within:after{opacity:1}.results .has-tooltip:after,.stat-card .has-tooltip:after{color:var(--gold-paper)}.has-tooltip:focus-visible{outline:2px solid var(--gold);outline-offset:2px;border-radius:2px}@media (prefers-reduced-motion:reduce){.has-tooltip:after{transition:none}}.glossary-tooltip{z-index:1000;background:var(--paper);max-width:280px;color:var(--ink);border:1px solid var(--rule);box-shadow:var(--shadow-md);font-family:var(--serif);pointer-events:none;opacity:0;border-radius:8px;padding:10px 14px;font-size:13.5px;font-style:italic;font-weight:380;line-height:1.5;transition:opacity .15s,transform .15s;display:none;position:absolute;top:0;left:0;transform:translateY(4px)}.glossary-tooltip.is-mounted{display:block}.glossary-tooltip.is-visible{opacity:1;transform:none}.autosave-note{font-family:var(--mono);letter-spacing:.15em;text-transform:uppercase;color:var(--moss);opacity:.65;text-align:right;min-width:130px;font-size:10.5px}.field-help{font-family:var(--serif);color:var(--ink-soft);max-width:64ch;margin:-2px 0 0;font-size:13.5px;font-style:italic;font-weight:380;line-height:1.45}.field label{font-family:var(--mono);letter-spacing:.2em;text-transform:uppercase;color:var(--moss);flex-wrap:wrap;align-items:baseline;gap:8px;font-size:11px;font-weight:500;display:flex}.field .optional{font-family:var(--serif);letter-spacing:0;text-transform:none;color:var(--ink-soft);opacity:.85;font-size:12.5px;font-style:italic;font-weight:380}.input-wrap.is-prefilled,.select-wrap.is-prefilled{box-shadow:inset 3px 0 0 var(--gold)}.prov-line{font-family:var(--mono);letter-spacing:.08em;text-transform:uppercase;color:var(--gold);align-items:center;gap:7px;font-size:10px;font-weight:500;display:flex}.prov-line .prov-dot{background:var(--gold);border-radius:50%;flex:none;width:6px;height:6px}.prov-line .prov-tail{color:var(--ink-soft);text-transform:none;letter-spacing:0;font-family:var(--serif);font-size:12px;font-style:italic}.prov-spacer{visibility:hidden}.field-row .prov-line .prov-tail{display:none}@media (width<=540px){.prov-line .prov-tail{display:none}}.budget-row .prov-line{grid-column:1/-1;margin-top:2px}.checkbox-label,.field label.checkbox-label{cursor:pointer;min-height:44px;font-family:var(--serif);text-transform:none;letter-spacing:0;color:var(--ink);background:0 0;border:0;grid-template-columns:14px 1fr;align-items:start;gap:10px;padding:2px 0;font-weight:380;display:grid}.checkbox-label input[type=checkbox],.field label.checkbox-label input[type=checkbox]{opacity:0;pointer-events:none;position:absolute}.checkbox-box{border:1.5px solid var(--rule);background:var(--paper);border-radius:3px;place-items:center;width:14px;height:14px;margin-top:3px;transition:border-color .15s,background .15s;display:inline-grid}.checkbox-box:after{content:"";background:var(--moss-darker);border-radius:2px;width:8px;height:8px;transition:transform .15s;transform:scale(0)}.checkbox-label:hover .checkbox-box,.field label.checkbox-label:hover .checkbox-box{border-color:var(--moss)}.checkbox-label input:checked~.checkbox-box,.field label.checkbox-label input:checked~.checkbox-box{border-color:var(--moss-darker)}.checkbox-label input:checked~.checkbox-box:after,.field label.checkbox-label input:checked~.checkbox-box:after{transform:scale(1)}.checkbox-text{color:var(--ink-soft);gap:2px;font-size:13.5px;line-height:1.4;display:grid}.checkbox-sub{color:var(--ink-soft);opacity:.85;font-size:12px;font-style:italic;line-height:1.45}.sample-note{animation:.3s ease-out .12s both sample-note-fade-in}@keyframes sample-note-fade-in{0%{opacity:0;transform:translateY(-3px)}to{opacity:1;transform:translateY(0)}}@media (prefers-reduced-motion:reduce){.sample-note{animation:none}}.guide-figure{background:var(--paper-2);border:1px solid var(--rule);border-radius:22px;margin:40px 0 48px;padding:36px 36px 28px}.guide-figure.is-dark{background:var(--moss-darker);color:var(--paper);border-color:var(--moss-deep)}@media (width<=600px){.guide-figure{border-radius:18px;margin:32px 0 40px;padding:24px 16px 20px}}.data-table-scroll{border:1px solid var(--rule);background:var(--paper);border-radius:12px;overflow:hidden}.data-table{border-collapse:collapse;font-feature-settings:"tnum" on;width:100%}.data-table th,.data-table td{text-align:right;border-bottom:1px solid var(--rule);border-right:1px solid var(--rule);padding:14px 16px;font-size:15px}.data-table thead th{background:var(--paper-2);font-family:var(--mono);letter-spacing:.14em;text-transform:uppercase;color:var(--moss);border-bottom:1px solid var(--moss);font-size:11px;font-weight:500}.data-table thead th:first-child{text-align:left}.data-table tbody th{text-align:left;background:var(--paper-2);font-family:var(--serif);color:var(--ink);border-right:1px solid var(--moss);letter-spacing:-.01em;flex-direction:column;gap:2px;font-size:17px;font-weight:500;display:flex}.data-table tbody th .row-sub{font-family:var(--mono);letter-spacing:.12em;text-transform:uppercase;color:var(--moss);font-size:10.5px;font-weight:500}.data-table tbody td{font-family:var(--serif);font-variation-settings:"opsz" 16;letter-spacing:-.005em;color:var(--ink);font-size:16px;font-weight:470}.data-table th:last-child,.data-table td:last-child{border-right:none}.data-table tbody tr:last-child th,.data-table tbody tr:last-child td{border-bottom:none}html.js .reveal-in .data-table tbody tr{opacity:0;transition:opacity .35s cubic-bezier(.2,.7,.2,1),transform .35s cubic-bezier(.2,.7,.2,1);transition-delay:calc(var(--row-idx,0) * 60ms);transform:translateY(8px)}html.js .reveal-in.is-visible .data-table tbody tr{opacity:1;transform:none}@media (width<=760px){.data-table th,.data-table td{padding:11px 12px;font-size:13.5px}.data-table tbody td{font-size:14px}.data-table tbody th{font-size:15px}}@media (width<=600px){.data-table-scroll{background:0 0;border:none;border-radius:0}.data-table{display:block}.data-table thead{display:none}.data-table tbody{flex-direction:column;gap:12px;display:flex}.data-table tbody tr{border:1px solid var(--rule);background:var(--paper);border-radius:14px;display:block;overflow:hidden}.data-table tbody th,.data-table tbody td{border-right:none;border-bottom:1px solid var(--rule);box-sizing:border-box;width:100%;padding:12px 16px;display:flex}.data-table tbody th{background:var(--paper-2);border-bottom:1px solid var(--moss);flex-direction:column;gap:2px;font-size:16px}.data-table tbody td{text-align:right;justify-content:space-between;align-items:baseline;font-size:15px}.data-table tbody td:before{content:attr(data-label);font-family:var(--mono);letter-spacing:.14em;text-transform:uppercase;color:var(--moss);text-align:left;font-size:10.5px;font-weight:500}.data-table tbody tr:last-child th,.data-table tbody tr:last-child td{border-bottom:1px solid var(--rule)}.data-table tbody tr td:last-child{border-bottom:none}}@media (prefers-reduced-motion:reduce){html.js .reveal-in .data-table tbody tr{opacity:1;transition:none;transform:none}}.bar-figure .bar-head{font-family:var(--mono);letter-spacing:.22em;text-transform:uppercase;color:var(--moss);border-bottom:1px dashed var(--rule);margin-bottom:6px;padding-bottom:12px;font-size:10.5px;font-weight:500}.bar-figure .bar-row{align-items:center;padding:10px 0;display:grid}.bar-figure .bar-track{background:#2d4a3a0a;border-radius:4px;height:28px;position:relative}.bar-figure .bar-fill{height:100%;width:var(--w);min-width:var(--bar-min-width,0);background:linear-gradient(90deg, var(--gold) 0%, var(--gold-soft) 100%);border-radius:4px;justify-content:flex-end;align-items:center;padding-right:12px;display:flex}.bar-figure .bar-value{font-family:var(--mono);letter-spacing:.14em;text-transform:uppercase;color:var(--moss-darker);font-feature-settings:"tnum" on;white-space:nowrap;font-size:10.5px;font-weight:600}html.js .bar-figure.reveal-in .bar-row{opacity:0;transition:opacity .35s cubic-bezier(.2,.7,.2,1),transform .35s cubic-bezier(.2,.7,.2,1);transition-delay:calc(var(--row-idx,0) * 60ms);transform:translateY(8px)}html.js .bar-figure.reveal-in.is-visible .bar-row{opacity:1;transform:none}html.js .bar-figure.reveal-in .bar-fill{width:0;min-width:0;transition:width .9s cubic-bezier(.2,.7,.2,1),min-width .9s cubic-bezier(.2,.7,.2,1);transition-delay:calc(var(--row-idx,0) * 60ms + .2s)}html.js .bar-figure.reveal-in.is-visible .bar-fill{width:var(--w);min-width:var(--bar-min-width,0)}@media (prefers-reduced-motion:reduce){html.js .bar-figure.reveal-in .bar-row,html.js .bar-figure.reveal-in .bar-fill{opacity:1;transition:none;transform:none}html.js .bar-figure.reveal-in .bar-fill{width:var(--w);min-width:var(--bar-min-width,0)}}.figcaption{margin:0 0 22px}.fig-eyebrow{font-family:var(--mono);letter-spacing:.22em;text-transform:uppercase;color:var(--moss);align-items:center;gap:14px;font-size:11px;font-weight:500;display:inline-flex}.fig-eyebrow:after{content:"";background:var(--rule);width:56px;height:1px}.figcaption.figcaption.figcaption h3{font-family:var(--serif);font-variation-settings:"opsz" 36;letter-spacing:-.018em;color:var(--ink);margin:12px 0 10px;font-size:clamp(28px,3.4vw,38px);font-weight:380;line-height:1.05}.figcaption.figcaption.figcaption h3 em{color:var(--moss);font-variation-settings:"opsz" 36, "SOFT" 100;font-style:italic}.figcaption .fig-deck{font-family:var(--serif);font-variation-settings:"opsz" 15;color:var(--ink-soft);max-width:60ch;margin:0;font-size:15px;font-style:italic;font-weight:430;line-height:1.55}.figcaption.figcaption.fig-md h3{font-size:clamp(26px,3.2vw,36px)}.figcaption.fig-lg .fig-eyebrow:after{display:none}.figcaption.figcaption.fig-lg h3{font-variation-settings:"opsz" 40;letter-spacing:-.022em;margin:12px 0 14px;font-size:clamp(28px,3.6vw,40px);font-weight:320}.figcaption.figcaption.fig-lg h3 em{font-variation-settings:"opsz" 40, "SOFT" 100}.figcaption.fig-lg .fig-deck{font-variation-settings:normal;font-size:16.5px;font-style:normal}.figcaption.fig-dark .fig-eyebrow{color:var(--gold-paper);opacity:.9}.figcaption.fig-dark .fig-eyebrow:after{display:none}.figcaption.figcaption.fig-dark h3{font-variation-settings:"opsz" 40;letter-spacing:-.022em;color:var(--paper);margin:12px 0 14px;font-size:clamp(28px,3.6vw,40px);font-weight:320;line-height:1.15}.figcaption.figcaption.fig-dark h3 em{color:var(--gold-paper);font-variation-settings:"opsz" 40, "SOFT" 100}.figcaption.fig-dark .fig-deck{font-variation-settings:normal;color:#f5efe3e6;max-width:56ch;font-size:16.5px;line-height:1.5}.figcaption.fig-compact .fig-eyebrow{letter-spacing:.2em}.figcaption.figcaption.fig-compact h3{font-variation-settings:"opsz" 30;letter-spacing:-.016em;margin:10px 0 8px;font-size:clamp(22px,2.8vw,30px);line-height:1.1}.figcaption.figcaption.fig-compact h3 em{font-variation-settings:"opsz" 30, "SOFT" 100}.figcaption.fig-compact .fig-deck{font-size:14.5px}.figcaption.fig-sm .fig-eyebrow:after{display:none}.figcaption.figcaption.fig-sm h3{font-variation-settings:"opsz" 24;letter-spacing:-.012em;font-feature-settings:"tnum" on;margin:0 0 10px;font-size:clamp(20px,2.4vw,24px);font-weight:440;line-height:1.2}.figcaption.figcaption.fig-sm h3 em{font-variation-settings:"opsz" 24, "SOFT" 100;font-weight:480}.figcaption.fig-sm .fig-deck{font-size:14.5px;font-weight:400}.figcaption.fig-card .fig-eyebrow{gap:10px;margin-bottom:10px;display:flex}.figcaption.fig-card .fig-eyebrow:after{flex:1;width:auto;max-width:120px}.figcaption.figcaption.fig-card h3{font-variation-settings:"opsz" 28;letter-spacing:-.012em;margin:0 0 8px;font-size:26px;font-weight:420;line-height:1.18}.figcaption.figcaption.fig-card h3 em{font-weight:380}.figcaption.figcaption.fig-em-danger h3 em{color:var(--danger)}.one-knob{display:none}html.js .one-knob{background:var(--paper-2);border:1px solid var(--rule);border-radius:12px;gap:4px;margin:20px 0 0;padding:16px 18px;display:grid}.one-knob-label{justify-content:space-between;align-items:baseline;display:flex}.one-knob-label label{font-family:var(--mono);letter-spacing:.2em;text-transform:uppercase;color:var(--moss);font-size:11px}.one-knob-readout{font-family:var(--mono);color:var(--moss-deep);font-feature-settings:"tnum" on;min-width:var(--knob-readout-w,2ch);text-align:right;font-size:18px;font-weight:500;display:inline-block}.one-knob-track{position:relative}.one-knob input[type=range]{appearance:none;cursor:pointer;background:0 0;width:100%;height:44px;margin:0;display:block}.one-knob input[type=range]:focus{outline:none}.one-knob input[type=range]:focus-visible{outline:2px solid var(--moss);outline-offset:4px;border-radius:4px}.one-knob input[type=range]::-webkit-slider-runnable-track{background:linear-gradient(to right, var(--moss-deep) 0%, var(--moss-deep) calc(11px + var(--fillp,0) * (100% - 22px)), var(--rule-soft) calc(11px + var(--fillp,0) * (100% - 22px)), var(--rule-soft) 100%);border-radius:3px;height:6px}.one-knob input[type=range]::-moz-range-track{background:linear-gradient(to right, var(--moss-deep) 0%, var(--moss-deep) calc(11px + var(--fillp,0) * (100% - 22px)), var(--rule-soft) calc(11px + var(--fillp,0) * (100% - 22px)), var(--rule-soft) 100%);border-radius:3px;height:6px}.one-knob input[type=range]::-webkit-slider-thumb{appearance:none;background:var(--paper);border:2px solid var(--moss-deep);cursor:grab;border-radius:50%;width:22px;height:22px;margin-top:-8px;transition:transform .15s;box-shadow:0 2px 6px #0000002e}.one-knob input[type=range]::-webkit-slider-thumb:hover{transform:scale(1.08)}.one-knob input[type=range]::-webkit-slider-thumb:active{cursor:grabbing}.one-knob input[type=range]::-moz-range-thumb{background:var(--paper);border:2px solid var(--moss-deep);cursor:grab;border-radius:50%;width:22px;height:22px;box-shadow:0 2px 6px #0000002e}.one-knob-tick{left:calc(11px + var(--tickp,0) * (100% - 22px));background:var(--moss-deep);opacity:.45;pointer-events:none;width:2px;height:14px;position:absolute;top:50%;transform:translate(-50%,-50%)}.one-knob-reset{border:none;border-bottom:1px solid var(--moss-deep);font-family:var(--mono);letter-spacing:.06em;color:var(--moss-deep);cursor:pointer;background:0 0;justify-self:start;margin:2px 0 0;padding:0 0 1px;font-size:11px}.one-knob-reset[hidden]{display:none}.one-knob-live{clip:rect(0 0 0 0);clip-path:inset(50%);white-space:nowrap;border:0;width:1px;height:1px;margin:-1px;padding:0;position:absolute;overflow:hidden}@media (width<=1024px){.calc .calc-grid.calc-grid{background:var(--paper);grid-template-columns:minmax(0,1fr)}.calc .calc-grid .results{align-self:stretch;position:relative;top:auto}.calc .calc-grid .inputs,.calc .calc-grid .results{padding:28px 22px}}@media (width<=540px){.calc .calc-grid.calc-grid{border-radius:14px}.calc .calc-grid .inputs,.calc .calc-grid .results{padding:22px 16px}}.payoff-chart{background:var(--paper);border:1px solid var(--rule);border-radius:14px;margin:16px 8px 0;padding:24px 28px 20px}.payoff-chart[hidden]{display:none}.ph-head{gap:4px;margin:0 0 14px;display:grid}.ph-head h4{font-family:var(--serif);letter-spacing:-.01em;margin:0;font-size:18px;font-weight:420}h4.ph-action-title{font-family:var(--serif);font-variation-settings:"opsz" 28;letter-spacing:-.012em;font-size:clamp(20px,2.4vw,26px);font-weight:380;line-height:1.15}h4.ph-action-title[hidden]{display:none}.ph-title-num{color:var(--moss);font-variation-settings:"opsz" 28, "SOFT" 100;font-feature-settings:"tnum" on;text-align:left;min-width:4.2ch;font-style:italic;display:inline-block}.ph-sub{font-family:var(--serif);color:var(--ink-soft);font-size:13.5px;font-style:italic}.ph-sub strong{color:var(--gold);letter-spacing:.005em;font-style:normal;font-weight:500}.chart-source{border-top:1px solid var(--rule);font-family:var(--mono);letter-spacing:.04em;color:var(--ink-soft);opacity:.7;margin-top:14px;padding-top:10px;font-size:10.5px;line-height:1.5}.chart-source.is-dark{color:#f5efe38c;opacity:1;border-top-color:#f5efe31f}.ph-svg-wrap{width:100%}.ph-svg{width:100%;height:auto;display:block}.ph-axis-line{stroke:var(--rule);stroke-width:1.25px}.ph-base{fill:none;stroke:var(--moss);stroke-width:1.75px;stroke-dasharray:4 4;opacity:.7}.ph-live{fill:none;stroke:var(--moss-deep);stroke-width:2.5px;stroke-linecap:round;stroke-linejoin:round}.ph-gap{fill:var(--gold-paper);fill-opacity:.42;stroke:var(--gold-soft);stroke-width:.5px;stroke-opacity:.5}.ph-wedge-mask{width:0;transition:width 1.1s cubic-bezier(.2,.7,.2,1) 2s}.payoff-chart.is-visible .ph-wedge-mask{width:600px}@media (prefers-reduced-motion:reduce){.ph-wedge-mask{width:600px;transition:none}}.ph-marker{stroke:var(--moss-deep);stroke-width:1px;stroke-dasharray:2 4;opacity:.55}.ph-marker-base{opacity:.4}.ph-marker-label{font-family:var(--mono);letter-spacing:.08em;text-transform:uppercase;fill:var(--moss-deep);font-size:10px}.ph-marker-label-base{fill:var(--moss);opacity:.8}.ph-legend{font-family:var(--mono);letter-spacing:.1em;text-transform:uppercase;color:var(--moss);opacity:.85;flex-wrap:wrap;gap:18px;margin-top:14px;font-size:10.5px;display:flex}.ph-legend span{align-items:center;gap:8px;display:inline-flex}.ph-swatch{border-radius:2px;width:18px;height:10px;display:inline-block}.ph-swatch-base{background-image:repeating-linear-gradient(90deg, var(--moss) 0 5px, transparent 5px 9px);opacity:.65;background-position:50%;background-repeat:no-repeat;background-size:18px 2px}.ph-swatch-live{background:var(--moss-deep);height:3px}.ph-swatch-gap{background:var(--gold-paper);opacity:.55}.ph-svg-wrap{position:relative}.ph-payoff-dot{cursor:pointer;transform-box:fill-box;transform-origin:50%;transition:transform .15s}.ph-payoff-dot:hover,.ph-payoff-dot:focus-visible{outline:none;transform:scale(1.25)}.ph-tooltip{background:var(--moss-darker);color:var(--paper);font-family:var(--mono);letter-spacing:.04em;white-space:nowrap;pointer-events:none;z-index:5;border-radius:6px;padding:7px 11px;font-size:11px;line-height:1.35;position:absolute;transform:translate(-50%,calc(-100% - 10px));box-shadow:0 4px 12px #0f16122e}.ph-tooltip:after{content:"";border:5px solid #0000;border-top-color:var(--moss-darker);border-bottom:0;position:absolute;bottom:-5px;left:50%;transform:translate(-50%)}.ph-tooltip[hidden]{display:none}@media (width<=720px){.payoff-chart{margin:14px 4px 0;padding:18px 18px 14px}.ph-legend{letter-spacing:.08em;gap:12px;font-size:9.5px}}.money-range-hint{font-family:var(--serif);color:var(--gold);margin:6px 0 0;font-size:13px;font-style:italic;font-weight:380;line-height:1.4;display:block}.money-range-hint[hidden]{display:none}.money-ops{flex-wrap:wrap;gap:6px;margin-top:6px;display:none}.money-ops[hidden]{display:none}@media (pointer:coarse){.money-ops:not([hidden]){display:flex}}.money-op{border:1px solid var(--rule);background:var(--paper-2);font-family:var(--mono);color:var(--moss-deep);cursor:pointer;-webkit-tap-highlight-color:transparent;border-radius:8px;min-width:44px;min-height:36px;padding:0 12px;font-size:16px;font-weight:500;transition:background .12s,transform .12s,border-color .12s}.money-op:hover{border-color:var(--moss)}.money-op:active{background:var(--paper-3);transform:scale(.97)}@media (prefers-reduced-motion:reduce){.money-op{transition:none}}.phase-nav{flex-wrap:wrap;align-items:center;gap:8px;padding-block:8px 32px;display:flex}.phase-nav-eyebrow{font-family:var(--mono);letter-spacing:.22em;text-transform:uppercase;color:var(--moss);opacity:.75;margin-right:4px;font-size:10.5px}.phase-nav-chip{font-family:var(--mono);letter-spacing:.16em;text-transform:uppercase;color:var(--moss-darker);background:var(--paper-2);border:1px solid var(--rule);border-radius:999px;align-items:center;padding:5px 11px;font-size:10.5px;text-decoration:none;transition:border-color .2s,background .2s,transform .2s;display:inline-flex}.phase-nav-chip:hover{border-color:var(--moss);background:var(--paper-3);transform:translateY(-1px)}.phase-nav-chip:focus-visible{outline:2px solid var(--moss);outline-offset:2px}@media (prefers-reduced-motion:reduce){.phase-nav-chip{transition:none}.phase-nav-chip:hover{transform:none}}.phase-foot{text-align:right;margin-top:14px}.phase-back-link{font-family:var(--mono);letter-spacing:.18em;text-transform:uppercase;color:var(--moss);opacity:.65;font-size:10.5px;text-decoration:none;transition:color .2s,opacity .2s;display:inline-block}.phase-back-link:hover{color:var(--moss-darker);opacity:1}.phase-back-link:focus-visible{outline:2px solid var(--moss);outline-offset:2px;opacity:1}.idx-controls{padding-block:28px 0}.idx-search-field{background:var(--paper-2);border:1px solid var(--rule);border-radius:12px;align-items:center;gap:10px;padding:0 16px;transition:border-color .15s,box-shadow .15s,background .15s;display:flex}.idx-search-field:focus-within{border-color:var(--moss-deep);background:var(--paper);box-shadow:0 0 0 3px #2d4a3a14}.idx-search-icon{color:var(--moss);opacity:.7;flex:none}#idx-search{font-family:var(--serif);color:var(--ink);background:0 0;border:0;outline:none;flex:1;padding:14px 0;font-size:18px}#idx-search::placeholder{color:var(--ink-soft);opacity:.7;font-style:italic}.idx-suggest{flex-wrap:wrap;align-items:center;gap:8px;margin-top:12px;display:flex}.idx-suggest-label{font-family:var(--mono);letter-spacing:.2em;text-transform:uppercase;color:var(--moss);font-size:10.5px}.idx-suggest-chip{background:var(--paper-2);border:1px solid var(--rule);font-family:var(--mono);color:var(--moss-deep);cursor:pointer;border-radius:999px;padding:4px 12px;font-size:11.5px;transition:border-color .12s,background .12s}.idx-suggest-chip:hover{border-color:var(--moss);background:var(--paper)}.idx-suggest-chip:focus-visible{outline:2px solid var(--moss);outline-offset:2px}.idx-chip-lane{margin-top:14px;position:relative}.idx-chip-lane:before,.idx-chip-lane:after{content:"";pointer-events:none;opacity:0;width:40px;transition:opacity .2s;position:absolute;top:0;bottom:0}.idx-chip-lane:before{background:linear-gradient(to left, transparent, var(--paper));left:0}.idx-chip-lane:after{background:linear-gradient(to right, transparent, var(--paper));right:0}.idx-chip-lane.can-scroll-left:before,.idx-chip-lane.can-scroll-right:after{opacity:1}.idx-chips{scrollbar-width:none;-ms-overflow-style:none;flex-wrap:nowrap;align-items:center;gap:8px;padding-block:6px;display:flex;overflow-x:auto}.idx-chips::-webkit-scrollbar{display:none}.idx-chips-label{font-family:var(--mono);letter-spacing:.16em;text-transform:uppercase;color:var(--ink-soft);opacity:.8;flex:none;margin-right:4px;font-size:10.5px}.idx-chip{font-family:var(--mono);letter-spacing:.1em;background:var(--paper-2);border:1px solid var(--rule);color:var(--moss-darker);cursor:pointer;border-radius:999px;flex:none;align-items:center;gap:6px;padding:7px 13px;font-size:11px;transition:transform .15s,border-color .15s,background .15s;display:inline-flex}.idx-chip:hover{border-color:var(--moss);transform:translateY(-1px)}.idx-chip:focus-visible{outline:2px solid var(--moss);outline-offset:2px}.idx-chip-check{opacity:0;width:0;font-weight:600;transition:width .15s,opacity .15s;overflow:hidden}.idx-chip[aria-pressed=true]{background:var(--moss);border-color:var(--moss-darker);color:var(--paper);font-weight:500}.idx-chip[aria-pressed=true] .idx-chip-check{opacity:1;width:11px}.idx-resultbar{justify-content:space-between;align-items:baseline;gap:16px;padding-block:22px 6px;display:flex}.idx-count{font-family:var(--mono);letter-spacing:.14em;text-transform:uppercase;color:var(--moss);font-size:12px}.idx-clear{font-family:var(--mono);letter-spacing:.08em;color:var(--ink-soft);cursor:pointer;text-underline-offset:3px;background:0 0;border:0;padding:4px;font-size:11px;text-decoration:underline}.idx-clear:hover{color:var(--moss)}.idx-clear:focus-visible{outline:2px solid var(--moss);outline-offset:2px}.idx-clear[hidden]{display:none}.idx-grid{grid-template-columns:1fr 1fr;align-items:stretch;gap:32px;padding-block:8px;display:grid}.idx-phase-head{border-bottom:1px solid var(--rule);grid-column:1/-1;grid-template-columns:1fr auto;align-items:end;gap:24px;margin-top:18px;padding-bottom:20px;display:grid}.idx-grid>.idx-phase-head:first-child{margin-top:0}.idx-grid.is-filtering .idx-phase-head{display:none}.idx-phase-label{font-family:var(--mono);letter-spacing:.24em;text-transform:uppercase;color:var(--moss);font-size:11px}.idx-phase-title{font-family:var(--serif);font-variation-settings:"opsz" 40, "SOFT" 50;letter-spacing:-.018em;margin:10px 0 0;font-size:clamp(26px,3vw,36px);font-weight:340;line-height:1.05}.idx-phase-title em{color:var(--moss);font-variation-settings:"opsz" 40, "SOFT" 100;font-style:italic}.idx-phase-desc{font-family:var(--serif);color:var(--ink-soft);text-align:right;max-width:38ch;margin:0;font-size:15px;font-style:italic;font-weight:320;line-height:1.4}[data-filter-card][hidden]{display:none!important}.idx-tags{flex-wrap:wrap;gap:7px;margin-top:16px;display:flex}.idx-tag{font-family:var(--mono);letter-spacing:.08em;text-transform:uppercase;color:var(--moss-deep);border:1px solid var(--rule-soft);border-radius:999px;padding:3px 9px;font-size:10px;line-height:1.4}.idx-empty{text-align:center;grid-column:1/-1;padding:56px 20px}.idx-empty[hidden]{display:none}.idx-empty-mark{font-family:var(--serif);color:var(--moss);opacity:.5;font-size:38px}.idx-empty p{font-family:var(--serif);color:var(--ink-soft);margin:10px 0 0;font-size:20px;font-style:italic}@media (width<=960px){.idx-grid,.idx-phase-head{grid-template-columns:1fr}.idx-phase-desc{text-align:left}}@media (prefers-reduced-motion:reduce){.idx-chip,.idx-search-field,.idx-chip-lane:before,.idx-chip-lane:after,.idx-suggest-chip{transition:none}}.reference-row{grid-template-columns:repeat(auto-fit,minmax(380px,1fr));gap:28px;padding-block:56px 96px;display:grid}.ref-card{border:1px solid var(--rule);background:var(--paper-2);color:inherit;border-radius:22px;padding:32px 36px 28px;text-decoration:none;transition:transform .25s,box-shadow .25s,border-color .25s;display:block;position:relative}.ref-card:hover{border-color:var(--moss);box-shadow:var(--shadow-md);transform:translateY(-4px)}.ref-tag{font-family:var(--mono);letter-spacing:.22em;text-transform:uppercase;color:var(--moss);font-size:11px}.ref-card h3{font-family:var(--serif);font-variation-settings:"opsz" 32;letter-spacing:-.018em;margin:18px 0 12px;font-size:clamp(24px,2.6vw,32px);font-weight:360;line-height:1.1}.ref-card h3 em{color:var(--moss);font-variation-settings:"opsz" 32, "SOFT" 100;font-style:italic}.ref-card p{color:var(--ink-soft);max-width:60ch;margin:0;font-size:15.5px;line-height:1.6}.ref-arrow{color:var(--moss);font-size:20px;transition:transform .25s;position:absolute;bottom:24px;right:28px}.ref-card:hover .ref-arrow{transform:translate(3px)}@media (prefers-reduced-motion:reduce){.ref-card,.ref-arrow{transition:none}.ref-card:hover,.ref-card:hover .ref-arrow{transform:none}}.share-link-btn{border:1px solid var(--rule);cursor:pointer;font-family:var(--mono);letter-spacing:.16em;text-transform:uppercase;color:var(--moss-deep);background:0 0;border-radius:999px;align-items:center;gap:7px;padding:7px 14px 7px 12px;font-size:10.5px;transition:border-color .15s,background .15s,color .15s;display:inline-flex}.share-link-btn:hover{border-color:var(--moss);background:var(--paper-2);color:var(--moss-darker)}.share-link-btn:focus-visible{border-color:var(--moss);outline:none;box-shadow:0 0 0 3px #2d4a3a26}.share-link-btn svg{stroke:currentColor;fill:none;stroke-width:1.75px;stroke-linecap:round;stroke-linejoin:round;flex-shrink:0;width:13px;height:13px}.share-link-btn.is-copied,.share-link-btn.is-saved{border-color:var(--moss);color:var(--moss-darker);background:var(--success-soft)}:is(.calc,.walkthrough) :is(.share-link-btn,.reset,.preset,.booster-btn,.ph-strategy-btn,.dollars-btn,.spend-shape-btn,.rate-hint-apply,.chart-toggle-btn,.add-row,.add-lump,.add-debt,.find-sweet-spot,.mode-switch,.solve-link,.wk-nav-back,.wk-nav-next,.cell-remove,.line-remove){position:relative}:is(.calc,.walkthrough) :is(.share-link-btn,.reset,.preset,.booster-btn,.ph-strategy-btn,.dollars-btn,.spend-shape-btn,.rate-hint-apply,.chart-toggle-btn,.add-row,.add-lump,.add-debt,.find-sweet-spot,.mode-switch,.solve-link,.wk-nav-back,.wk-nav-next,.cell-remove,.line-remove):after{content:"";width:100%;min-width:44px;height:100%;min-height:44px;position:absolute;top:50%;left:50%;transform:translate(-50%,-50%)}.calc input[type=text],.calc input[type=number]{min-height:44px}.disclosure{margin:0}.disclosure>summary{cursor:pointer;border-top:1px dashed var(--rule);user-select:none;grid-template-columns:auto minmax(0,1fr) auto;align-items:center;gap:14px;padding:8px 0;list-style:none;display:grid}.disclosure>summary::-webkit-details-marker{display:none}.disclosure>summary::marker{content:""}.disclosure[open]>summary{padding-bottom:14px}.disclosure[open]{padding-bottom:18px}.sticky-mobile-result .sticky-pair{align-items:baseline;gap:6px;min-width:0;display:inline-flex}.sticky-mobile-result .sticky-label{font-family:var(--mono);letter-spacing:.2em;text-transform:uppercase;color:var(--paper);opacity:.65;font-size:10px}.sticky-mobile-result .sticky-value{font-family:var(--serif);color:var(--gold-paper);font-feature-settings:"tnum" on;letter-spacing:-.005em;white-space:nowrap;font-size:17px;font-weight:380}.disclosure[open]>:not(summary)+:not(summary){margin-top:14px}.disclosure-label{font-family:var(--mono);letter-spacing:.2em;text-transform:uppercase;color:var(--moss);font-size:11px;font-weight:500}.disclosure-meta{font-family:var(--serif);color:var(--ink-soft);text-overflow:ellipsis;white-space:nowrap;text-align:right;min-width:0;font-size:14px;font-style:italic;font-weight:380;overflow:hidden}.disclosure-caret{border-right:1.5px solid var(--moss);border-bottom:1.5px solid var(--moss);width:8px;height:8px;margin-right:2px;transition:transform .2s;display:inline-block;transform:rotate(-45deg)}.disclosure[open]>summary>.disclosure-caret{transform:rotate(45deg)}.disclosure>summary:hover .disclosure-label{color:var(--moss-deep)}.disclosure>summary:hover .disclosure-caret{border-right-color:var(--moss-deep);border-bottom-color:var(--moss-deep)}.disclosure>summary:focus-visible{outline:2px solid var(--moss);outline-offset:2px;border-radius:4px}@media (prefers-reduced-motion:reduce){.disclosure-caret{transition:none}}@media (width<=540px){.disclosure>summary{grid-template-columns:minmax(0,1fr) auto;gap:4px 14px}.disclosure-label{grid-area:1/1}.disclosure-meta{text-align:left;white-space:normal;grid-area:2/1}.disclosure-caret{grid-area:1/2/span 2;align-self:center}}.explain-collapse{margin:0}.explain-collapse>summary{list-style:none;display:block}.explain-collapse>summary::-webkit-details-marker{display:none}.explain-collapse>summary::marker{content:""}.explain-caret{display:none}@media (width<=860px){.explain-collapse>summary{cursor:pointer;padding-right:36px;position:relative}.explain-collapse>summary:focus-visible{outline:2px solid var(--moss);outline-offset:4px;border-radius:4px}.explain-caret{border-right:1.5px solid var(--moss);border-bottom:1.5px solid var(--moss);width:10px;height:10px;transition:transform .18s;display:inline-block;position:absolute;top:28px;right:8px;transform:rotate(-45deg)}.explain-collapse[open]>summary>.explain-caret{transform:rotate(45deg)}@media (prefers-reduced-motion:reduce){.explain-caret{transition:none}}}.step-collapse{border:0;margin:40px 0 12px;padding:0}.step-collapse>summary{list-style:none;display:block}.step-collapse>summary::-webkit-details-marker{display:none}.step-collapse>summary::marker{content:""}.step-collapse h3.step-title{margin:0}.step-caret{display:none}@media (width>=861px){.step-collapse>.step-body{display:block}}@media (width<=860px){.step-collapse:not(.step-collapse--no-collapse){border:1px solid var(--rule);background:var(--paper-2);border-radius:14px;margin:18px 0;overflow:hidden}.step-collapse:not(.step-collapse--no-collapse)>summary{cursor:pointer;padding:14px 44px 14px 18px;position:relative}.step-collapse:not(.step-collapse--no-collapse)>summary:focus-visible{outline:2px solid var(--moss);outline-offset:-2px}.step-collapse:not(.step-collapse--no-collapse)[open]>summary{border-bottom:1px solid var(--rule)}.step-collapse:not(.step-collapse--no-collapse) .step-title{margin:0;font-size:19px;line-height:1.25}.step-collapse:not(.step-collapse--no-collapse)>summary>.step-caret{border-right:1.5px solid var(--moss);border-bottom:1.5px solid var(--moss);width:9px;height:9px;transition:transform .18s;display:inline-block;position:absolute;top:50%;right:16px;transform:translateY(-65%)rotate(-45deg)}.step-collapse:not(.step-collapse--no-collapse)[open]>summary>.step-caret{transform:translateY(-35%)rotate(45deg)}.step-collapse:not(.step-collapse--no-collapse)>.step-body{padding:4px 18px 6px}.step-collapse:not(.step-collapse--no-collapse)>.step-body>:first-child{margin-top:12px}.step-collapse:not(.step-collapse--no-collapse)>.step-body>:last-child{margin-bottom:12px}.step-collapse--no-collapse{margin:40px 0 12px}.step-collapse--no-collapse>summary{cursor:default;padding:0}.step-collapse--no-collapse>summary>.step-caret{display:none}.step-collapse--no-collapse[open]>summary{border-bottom:0}.step-collapse--no-collapse .step-title{font-size:22px;line-height:1.25}.step-collapse--no-collapse>.step-body{padding:0}@media (prefers-reduced-motion:reduce){.step-caret{transition:none}}}@media print{@page{margin:18mm 16mm}html,body{color:#111!important;background:#fff!important}header.top,footer,.reading-progress,dialog.palette,[data-search-palette],.share-link-btn,[data-share-link],[data-card-export],.fig-export,[data-figure-export],.prefill-banner,.sample-note,button.reset,.reset{display:none!important}figure,.guide-figure,.callout,.education-note,.antipattern,.ws-block{break-inside:avoid;page-break-inside:avoid}main{max-width:none!important;margin:0!important;padding:0!important}a{color:#111!important;text-decoration:none!important}.ws-block,.ws-step,.cg-script{background:#fff!important;border-color:#999!important}.ws-line{border-bottom-color:#111!important}.ws-check{border-color:#111!important}.cp-rank-box{background:#fff!important;border-color:#111!important}.rh-actions,[data-print-sheet],.pack-actions,.pack-glyph{display:none!important}.pack-member-link,.pack-num,.pack-member-pill{background:#fff!important;border-color:#999!important}.pack-member{break-inside:avoid;page-break-inside:avoid}.ppd-actions{display:none!important}.pack-print-doc .worksheet{break-before:page;page-break-before:always}.worksheet h1,.ws-h{break-after:avoid;page-break-after:avoid}.rh-answers{break-before:page;page-break-before:always}.fp-sample,.cp-stub{background:#fff!important;border-color:#999!important}.tool-page main>section:not(.intro):not(.calc-section),.tool-page .add-row,.tool-page .line-remove,.tool-page .cell-remove,.tool-page .preset,.tool-page .state-presets,.tool-page .bracket-presets,.tool-page .autosave-note,.tool-page .breadcrumbs,.tool-page input[type=range],.tool-page [role=tablist]{display:none!important}.tool-page .calc-grid,.tool-page .inputs,.tool-page .results{display:block!important}.tool-page .results{position:static!important}.tool-page .calc-grid{background:#fff!important}.tool-page .results:before,.tool-page .results:after{display:none!important}.tool-page .results{color:#111!important;background:#fff!important;border:1px solid #999!important;border-radius:12px!important}.tool-page .results *{color:#111!important;border-color:#999!important}.tool-page .intro{padding-block:0 14px!important}.tool-page .intro h1{margin:2px 0 8px!important;font-size:25px!important;line-height:1.08!important}.tool-page .intro .lede,.tool-page .intro .lead,.tool-page .intro>p{font-size:11px!important;line-height:1.45!important}.tool-page .guide-link{margin-top:8px!important;padding-bottom:0!important}.tool-page .inputs{gap:12px!important;padding:16px 18px!important}.tool-page .field{gap:5px!important}.tool-page .field-row{gap:10px!important}.tool-page .input-wrap,.tool-page .select-wrap{background:#fff!important;border:1px solid #999!important;border-radius:6px!important}.tool-page .input-wrap input,.tool-page .select-wrap select,.tool-page .inputs select{padding:7px 10px!important;font-size:13px!important}.tool-page .input-wrap .affix{padding:0 10px!important;font-size:10.5px!important}.tool-page .field-help{font-size:10px!important;line-height:1.4!important}.tool-page .results{padding:18px 20px!important}.tool-page .headline-num{margin:6px 0 4px!important;font-size:28px!important}.tool-page .row{padding:6px 0!important}.tool-page .annual{margin-top:12px!important;padding:12px 14px!important}.tool-page .why-this-matters{margin-bottom:14px!important;padding:12px 14px!important}}.top[data-astro-cid-nen7h5rs]{-webkit-backdrop-filter:blur(10px);z-index:50;background:#f5efe3c7;position:sticky;top:0}.reading-progress[data-astro-cid-nen7h5rs]{border-bottom:1px solid var(--rule);pointer-events:none;background:0 0;height:2px;position:relative}.reading-progress[data-astro-cid-nen7h5rs].is-active{background:#2d4a3a0f}.reading-progress-bar[data-astro-cid-nen7h5rs]{background:linear-gradient(90deg, var(--gold), var(--moss));width:0;height:100%;transition:width 80ms linear}@media (prefers-reduced-motion:reduce){.reading-progress-bar[data-astro-cid-nen7h5rs]{transition:none}}.topbar[data-astro-cid-nen7h5rs]{justify-content:space-between;align-items:center;gap:24px;padding-block:16px;display:flex}.brand[data-astro-cid-nen7h5rs]{color:var(--ink);align-items:center;gap:14px;text-decoration:none;display:flex}.brand-logo[data-astro-cid-nen7h5rs]{width:auto;height:44px;display:block}.brand-text[data-astro-cid-nen7h5rs]{border-left:1px solid var(--rule);flex-direction:column;padding-left:14px;line-height:1.05;display:flex}.brand-text[data-astro-cid-nen7h5rs] strong[data-astro-cid-nen7h5rs]{font-family:var(--serif);letter-spacing:-.005em;font-size:16px;font-weight:500}.brand-text[data-astro-cid-nen7h5rs] span[data-astro-cid-nen7h5rs]{font-family:var(--mono);letter-spacing:.18em;text-transform:uppercase;color:var(--moss);margin-top:3px;font-size:10.5px}nav[data-astro-cid-nen7h5rs].primary{align-items:center;gap:32px;font-size:14.5px;display:flex}nav[data-astro-cid-nen7h5rs].primary a[data-astro-cid-nen7h5rs]:not(.cta){color:var(--ink-soft);padding:4px 0;font-weight:500;text-decoration:none;transition:color .15s;position:relative}nav[data-astro-cid-nen7h5rs].primary a[data-astro-cid-nen7h5rs]:not(.cta):after{content:"";background:var(--moss-deep);transform-origin:0;height:1px;transition:transform .25s;position:absolute;bottom:-2px;left:0;right:0;transform:scaleX(0)}nav[data-astro-cid-nen7h5rs].primary a[data-astro-cid-nen7h5rs]:not(.cta):hover,nav[data-astro-cid-nen7h5rs].primary a[data-astro-cid-nen7h5rs]:not(.cta)[aria-current=page]{color:var(--moss-darker)}nav[data-astro-cid-nen7h5rs].primary a[data-astro-cid-nen7h5rs]:not(.cta):hover:after,nav[data-astro-cid-nen7h5rs].primary a[data-astro-cid-nen7h5rs]:not(.cta)[aria-current=page]:after{transform:scaleX(1)}nav[data-astro-cid-nen7h5rs].primary a[data-astro-cid-nen7h5rs].search-link{height:34px;color:var(--moss-deep);border:1px solid var(--rule);border-radius:8px;justify-content:center;align-items:center;gap:7px;padding:0 12px;text-decoration:none;transition:background .15s,color .15s,border-color .15s;display:inline-flex}nav[data-astro-cid-nen7h5rs].primary a[data-astro-cid-nen7h5rs].search-link:after{content:none}.search-link[data-astro-cid-nen7h5rs]:hover{background:var(--paper-2);color:var(--moss-darker);border-color:var(--moss)}.search-link[data-astro-cid-nen7h5rs]:focus-visible{outline:none;box-shadow:0 0 0 3px #2d4a3a33}.search-link[data-astro-cid-nen7h5rs] svg[data-astro-cid-nen7h5rs]{flex-shrink:0;display:block}.kbd-hint[data-astro-cid-nen7h5rs]{font-family:var(--mono);letter-spacing:.04em;color:var(--moss-deep);white-space:nowrap;font-size:11px}.kbd-mac[data-astro-cid-nen7h5rs],html.os-mac .kbd-other[data-astro-cid-nen7h5rs]{display:none}html.os-mac .kbd-mac[data-astro-cid-nen7h5rs]{display:inline}.cta[data-astro-cid-nen7h5rs]{background:var(--moss-darker);color:var(--paper);border:1px solid var(--moss-darker);border-radius:999px;align-items:center;gap:8px;padding:14px 28px;font-size:14px;font-weight:500;text-decoration:none;transition:transform .15s,background .15s,box-shadow .15s;display:inline-flex}.cta[data-astro-cid-nen7h5rs]:hover{background:var(--ink);border-color:var(--ink);box-shadow:var(--shadow-md);transform:translateY(-1px)}.cta[data-astro-cid-nen7h5rs] .arrow[data-astro-cid-nen7h5rs]{transition:transform .2s}.cta[data-astro-cid-nen7h5rs]:hover .arrow[data-astro-cid-nen7h5rs]{transform:translate(3px)}.menu-toggle[data-astro-cid-nen7h5rs]{background:var(--paper);border:1px solid var(--rule);cursor:pointer;width:44px;height:44px;color:var(--moss-darker);border-radius:12px;justify-content:center;align-items:center;transition:background .15s,border-color .15s;display:none}.menu-toggle[data-astro-cid-nen7h5rs]:hover{background:var(--paper-2);border-color:var(--moss)}.menu-toggle[data-astro-cid-nen7h5rs]:focus-visible{outline:none;box-shadow:0 0 0 3px #2d4a3a40}.menu-toggle[data-astro-cid-nen7h5rs] .bars[data-astro-cid-nen7h5rs]{width:20px;height:14px;display:inline-block;position:relative}.menu-toggle[data-astro-cid-nen7h5rs] .bars[data-astro-cid-nen7h5rs] span[data-astro-cid-nen7h5rs]{background:currentColor;border-radius:2px;height:1.5px;transition:transform .25s cubic-bezier(.6,.05,.2,1),opacity .15s,top .25s cubic-bezier(.6,.05,.2,1);position:absolute;left:0;right:0}.menu-toggle[data-astro-cid-nen7h5rs] .bars[data-astro-cid-nen7h5rs] span[data-astro-cid-nen7h5rs]:first-child{top:0}.menu-toggle[data-astro-cid-nen7h5rs] .bars[data-astro-cid-nen7h5rs] span[data-astro-cid-nen7h5rs]:nth-child(2){top:6.25px}.menu-toggle[data-astro-cid-nen7h5rs] .bars[data-astro-cid-nen7h5rs] span[data-astro-cid-nen7h5rs]:nth-child(3){top:12.5px}.menu-toggle[data-astro-cid-nen7h5rs].is-open .bars[data-astro-cid-nen7h5rs] span[data-astro-cid-nen7h5rs]:first-child{top:6.25px;transform:rotate(45deg)}.menu-toggle[data-astro-cid-nen7h5rs].is-open .bars[data-astro-cid-nen7h5rs] span[data-astro-cid-nen7h5rs]:nth-child(2){opacity:0}.menu-toggle[data-astro-cid-nen7h5rs].is-open .bars[data-astro-cid-nen7h5rs] span[data-astro-cid-nen7h5rs]:nth-child(3){top:6.25px;transform:rotate(-45deg)}nav[data-astro-cid-nen7h5rs].mobile{border-top:1px solid var(--rule);-webkit-backdrop-filter:blur(10px);background:#f5efe3fa;display:none}nav[data-astro-cid-nen7h5rs].mobile[hidden]{display:none}.mobile-inner[data-astro-cid-nen7h5rs]{flex-direction:column;gap:0;padding-block:12px 24px;display:flex}nav[data-astro-cid-nen7h5rs].mobile a[data-astro-cid-nen7h5rs]{color:var(--ink);font-family:var(--serif);letter-spacing:-.01em;border-bottom:1px solid var(--rule);justify-content:space-between;align-items:center;padding:18px 0;font-size:22px;font-weight:380;text-decoration:none;display:flex}nav[data-astro-cid-nen7h5rs].mobile a[data-astro-cid-nen7h5rs][aria-current=page]{color:var(--moss-darker)}nav[data-astro-cid-nen7h5rs].mobile a[data-astro-cid-nen7h5rs][aria-current=page]:after{content:"•";color:var(--gold);margin-left:12px;font-size:16px}nav[data-astro-cid-nen7h5rs].mobile .cta[data-astro-cid-nen7h5rs]{font-family:var(--sans);color:var(--paper);border-bottom:none;border-radius:999px;justify-content:center;margin-top:20px;padding:18px 28px;font-size:15px;font-weight:500}nav[data-astro-cid-nen7h5rs].mobile .cta[data-astro-cid-nen7h5rs]:after{content:none}@media (width<=1120px){nav[data-astro-cid-nen7h5rs].primary{display:none}.menu-toggle[data-astro-cid-nen7h5rs]{display:inline-flex}nav[data-astro-cid-nen7h5rs].mobile{display:block}.brand-text[data-astro-cid-nen7h5rs]{padding-left:10px}.brand-text[data-astro-cid-nen7h5rs] span[data-astro-cid-nen7h5rs]{display:none}}html.menu-open,html.menu-open body{overflow:hidden}html.menu-open .top[data-astro-cid-nen7h5rs]{position:fixed;top:0;left:0;right:0}html.menu-open nav[data-astro-cid-nen7h5rs].mobile{max-height:calc(100vh - var(--header-h));-webkit-overflow-scrolling:touch;overflow-y:auto}footer[data-astro-cid-jo6i4kqk]{border-top:1px solid var(--rule);margin-top:56px;padding:88px 0 36px}.foot-grid[data-astro-cid-jo6i4kqk]{grid-template-columns:1.3fr 1fr 1fr 1fr;gap:40px;display:grid}footer[data-astro-cid-jo6i4kqk] h4{font-family:var(--mono);letter-spacing:.22em;text-transform:uppercase;color:var(--moss);margin:0 0 16px;font-size:11.5px}footer[data-astro-cid-jo6i4kqk] ul{gap:10px;margin:0;padding:0;font-size:14.5px;list-style:none;display:grid}footer[data-astro-cid-jo6i4kqk] a{color:var(--ink);opacity:.8;text-decoration:none;transition:opacity .15s,color .15s}footer[data-astro-cid-jo6i4kqk] a:hover{opacity:1;color:var(--moss-deep)}.footer-link-btn[data-astro-cid-jo6i4kqk]{font:inherit;cursor:pointer;text-align:left;color:var(--ink);opacity:.8;background:0 0;border:0;margin:0;padding:0;transition:opacity .15s,color .15s}.footer-link-btn[data-astro-cid-jo6i4kqk]:hover:not(:disabled){opacity:1;color:var(--moss-deep)}.footer-link-btn[data-astro-cid-jo6i4kqk]:disabled{cursor:default;opacity:.5}.brand[data-astro-cid-jo6i4kqk]{color:var(--ink);align-items:center;gap:14px;text-decoration:none;display:flex}.brand-logo[data-astro-cid-jo6i4kqk]{width:auto;height:44px;display:block}.brand-text[data-astro-cid-jo6i4kqk]{border-left:1px solid var(--rule);flex-direction:column;padding-left:14px;line-height:1.05;display:flex}.brand-text[data-astro-cid-jo6i4kqk] strong[data-astro-cid-jo6i4kqk]{font-family:var(--serif);font-size:16px;font-weight:500}.brand-text[data-astro-cid-jo6i4kqk] span[data-astro-cid-jo6i4kqk]{font-family:var(--mono);letter-spacing:.18em;text-transform:uppercase;color:var(--moss);margin-top:3px;font-size:10.5px}.foot-mark[data-astro-cid-jo6i4kqk] .brand[data-astro-cid-jo6i4kqk]{margin-bottom:18px}.foot-mark[data-astro-cid-jo6i4kqk] p[data-astro-cid-jo6i4kqk]{font-family:var(--serif);letter-spacing:-.005em;max-width:28ch;margin:0;font-size:22px;font-weight:380;line-height:1.3}.foot-mark[data-astro-cid-jo6i4kqk] p[data-astro-cid-jo6i4kqk] em{color:var(--moss);font-variation-settings:"opsz" 22, "SOFT" 100;font-style:italic}.foot-social[data-astro-cid-jo6i4kqk]{gap:12px;margin-top:18px;display:flex}.foot-social-link[data-astro-cid-jo6i4kqk]{border:1px solid var(--rule);width:34px;height:34px;color:var(--moss);opacity:.85;border-radius:8px;justify-content:center;align-items:center;transition:opacity .15s,color .15s,border-color .15s,background .15s;display:inline-flex}.foot-social-link[data-astro-cid-jo6i4kqk]:hover{opacity:1;color:var(--moss-deep);border-color:var(--moss);background:#2d4a3a0a}.foot-social-link[data-astro-cid-jo6i4kqk] svg[data-astro-cid-jo6i4kqk]{fill:currentColor;width:18px;height:18px}.foot-bottom[data-astro-cid-jo6i4kqk]{border-top:1px solid var(--rule);font-family:var(--mono);letter-spacing:.18em;text-transform:uppercase;color:var(--moss);flex-wrap:wrap;justify-content:space-between;align-items:center;gap:16px;margin-top:64px;padding-top:28px;font-size:11px;display:flex}.foot-bottom[data-astro-cid-jo6i4kqk] .star[data-astro-cid-jo6i4kqk]{color:var(--gold)}.foot-bottom[data-astro-cid-jo6i4kqk] .foot-note[data-astro-cid-jo6i4kqk] a[data-astro-cid-jo6i4kqk]{color:var(--moss);opacity:.85;text-decoration:underline;text-decoration-color:var(--rule);text-underline-offset:3px}.foot-bottom[data-astro-cid-jo6i4kqk] .foot-note[data-astro-cid-jo6i4kqk] a[data-astro-cid-jo6i4kqk]:hover{opacity:1;color:var(--moss-deep);text-decoration-color:var(--gold)}@media (width<=960px){.foot-grid[data-astro-cid-jo6i4kqk]{grid-template-columns:1fr 1fr}}@media (width<=540px){.foot-grid[data-astro-cid-jo6i4kqk]{grid-template-columns:1fr;gap:28px}}.palette{border:1px solid var(--rule);background:var(--paper);border-radius:16px;width:min(620px,100vw - 32px);max-height:min(72vh,640px);margin-top:12vh;padding:0;overflow:hidden;box-shadow:0 24px 60px #141c1840,0 4px 16px #141c1814}.palette::backdrop{-webkit-backdrop-filter:blur(4px);background:#141c188c}.palette[open]{animation:.18s cubic-bezier(.2,.7,.2,1) palette-in}@keyframes palette-in{0%{opacity:0;transform:translateY(-8px)}to{opacity:1;transform:none}}@media (prefers-reduced-motion:reduce){.palette[open]{animation:none}}.palette-form{max-height:inherit;flex-direction:column;display:flex}.palette-input-wrap{border-bottom:1px solid var(--rule);background:var(--paper-2);align-items:center;gap:12px;padding:14px 14px 14px 18px;display:flex}.palette-icon{width:18px;height:18px;stroke:var(--moss-deep);fill:none;stroke-width:1.75px;stroke-linecap:round;stroke-linejoin:round;flex-shrink:0}.palette-input{min-width:0;font-family:var(--serif);color:var(--ink);letter-spacing:-.005em;background:0 0;border:0;outline:none;flex:1;font-size:17px;font-weight:380}.palette-input::placeholder{color:var(--ink-soft);opacity:.55}.palette-input::-webkit-search-cancel-button{display:none}.palette-close{background:var(--paper);border:1px solid var(--rule);cursor:pointer;font-family:var(--mono);letter-spacing:.14em;color:var(--moss-deep);border-radius:6px;padding:4px 8px;font-size:10.5px;transition:border-color .15s,background .15s}.palette-close:hover{border-color:var(--moss);background:var(--paper-2)}.palette-results{flex:1;min-height:0;padding:6px 0;overflow-y:auto}.palette-empty{color:var(--ink-soft);padding:22px 24px;font-size:14px;line-height:1.55}.palette-empty p{margin:0 0 10px}.palette-empty p:last-child{margin-bottom:0}.palette-empty strong{color:var(--ink);font-weight:500}.palette-empty a{color:var(--moss-deep);text-decoration:underline;text-decoration-color:var(--gold);text-underline-offset:3px}.palette-empty code{font-family:var(--mono);background:var(--paper-2);border:1px solid var(--rule);border-radius:4px;padding:1px 6px;font-size:12.5px}.palette-hint-row{flex-wrap:wrap;align-items:center;gap:8px;display:flex}.palette-hint-label{font-family:var(--mono);letter-spacing:.2em;text-transform:uppercase;color:var(--moss);font-size:10.5px}.palette-hint{background:var(--paper-2);border:1px solid var(--rule);font-family:var(--mono);color:var(--moss-deep);cursor:pointer;border-radius:999px;padding:4px 12px;font-size:11.5px;transition:border-color .12s,background .12s}.palette-hint:hover{border-color:var(--moss);background:var(--paper)}.palette-tip{font-family:var(--serif);color:var(--ink-soft);margin-top:14px;font-size:13.5px;font-style:italic}.palette-tip kbd{font-family:var(--mono);border:1px solid var(--rule);background:var(--paper-2);color:var(--moss-deep);border-bottom-width:2px;border-radius:4px;margin:0 2px;padding:1px 6px;font-size:11px;font-style:normal}.palette-result{color:inherit;border-left:2px solid #0000;padding:12px 24px;text-decoration:none;transition:background .12s,border-color .12s;display:block}.palette-result:hover,.palette-result.is-selected{background:var(--paper-2);border-left-color:var(--gold)}.palette-result-head{align-items:baseline;gap:10px;margin-bottom:4px;display:flex}.palette-result-title{min-width:0;font-family:var(--serif);color:var(--ink);flex:1;font-size:16px;font-weight:460;line-height:1.25}.palette-result-type{font-family:var(--mono);letter-spacing:.14em;text-transform:uppercase;color:var(--moss);border:1px solid var(--rule);border-radius:999px;flex-shrink:0;padding:2px 8px;font-size:9.5px}.palette-result-excerpt{font-family:var(--serif);color:var(--ink-soft);font-size:13.5px;font-weight:380;line-height:1.5}.palette-result-excerpt mark{background:var(--gold-paper);color:var(--ink);border-radius:2px;padding:0 2px}@media (width<=540px){.palette{border:0;border-radius:0;width:100vw;max-height:100vh;margin:0}}