/* A fast editorial interface: system typography, original imagery, no layout-blocking animation. */
:root{--paper:#f6f7fb;--white:#fff;--ink:#18202e;--muted:#606878;--line:#e0e4ed;--accent:#5446df;--tint:#eeebff;--night:#17182c;--sans:Arial,Helvetica,sans-serif;--serif:Arial,Helvetica,sans-serif}
html{scroll-padding-top:88px}body{font-family:var(--sans);background:var(--paper)}
h1,h2,h3{font-weight:700;letter-spacing:-.045em}a,button,summary,input,select{touch-action:manipulation}button,select,input{font:inherit}select{color:var(--ink)}
select:focus-visible{outline:3px solid var(--accent);outline-offset:3px}.wrap{max-width:1400px;padding-inline:48px}.icon{stroke-width:1.75}.eyebrow{font-size:10px;letter-spacing:.12em}.dot{display:inline-block;width:6px;height:6px;border-radius:50%;background:currentColor}
.utility{background:#eceef5;border-bottom:0;color:#555d6d}.utility .wrap{min-height:31px;font-size:10px;letter-spacing:.03em;display:flex;align-items:center;justify-content:space-between}.utility-links{display:flex;gap:24px}
.masthead{background:var(--paper)}.masthead-inner{display:flex;justify-content:space-between;align-items:center;gap:25px;height:105px}.brand{display:block;width:240px;flex-shrink:0}.brand img{width:100%;height:auto}.masthead-note{font-size:12px;color:var(--muted);margin-left:auto;letter-spacing:.015em}.header-actions{display:flex;gap:14px;align-items:center}.header-tool-link{display:flex;align-items:center;gap:16px;padding:12px 17px;background:var(--accent);color:white;font-weight:700;font-size:12px;border-radius:7px}.header-tool-link:hover{background:#4133c9;color:white}.header-tool-link .icon{width:16px}.search-open{border:1px solid var(--line);background:white;border-radius:50%;display:grid;place-items:center;width:44px;height:44px;padding:0}
.nav-shell{position:relative;z-index:30;background:var(--paper);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.main-nav{min-height:52px;display:flex;align-items:center;justify-content:flex-start;gap:37px}.main-nav>a,.nav-group summary{font-size:12px;font-weight:600;letter-spacing:0;text-transform:none}.nav-group summary{display:flex;align-items:center;gap:9px;padding-block:16px;cursor:pointer}.nav-group summary .icon{width:13px}.nav-popover{border-radius:12px;padding:10px;box-shadow:0 16px 40px #1a244018;border:1px solid var(--line);background:white}.nav-popover a{min-height:44px;display:flex;align-items:center}.nav-tools{margin-left:auto;display:flex;gap:10px;align-items:center;color:var(--accent)}.nav-tools span{font-size:8px;background:var(--tint);padding:3px 6px;border-radius:4px;letter-spacing:.05em}
.home-intro{display:grid;grid-template-columns:1.65fr 1fr;align-items:end;gap:40px;margin:54px 0 38px}.home-intro h1{font-size:clamp(40px,4.65vw,67px);font-family:var(--sans);font-weight:700;line-height:1.03;letter-spacing:-.055em;margin-top:20px}.home-intro h1 span,.section-heading h2 span,.tools-hub-header h1 span{color:var(--accent)}.intro-eyebrow{display:flex;align-items:center;gap:8px;color:var(--muted)}.intro-copy{max-width:355px;justify-self:end}.home-intro .intro-copy p{font-size:14px;line-height:1.75;max-width:none;margin:0}.intro-copy .text-link{margin-top:10px;color:var(--accent)}
.modern-hero{display:grid;grid-template-columns:minmax(0,1.55fr) minmax(320px,1fr);gap:22px;align-items:stretch}.feature-story{position:relative;min-height:520px;border-radius:16px;overflow:hidden;background:#222638;color:white}.feature-visual{position:absolute;inset:0;display:block}.feature-visual::after{content:'';position:absolute;inset:0;background:linear-gradient(180deg,#0c10250a 20%,#0c102559 48%,#0b1020ed 100%)}.feature-visual img{width:100%;height:100%;object-fit:cover;transition:transform .7s ease}.feature-story:hover .feature-visual img{transform:scale(1.025)}.feature-copy{position:relative;z-index:1;pointer-events:none;margin-top:245px;padding:30px 36px 32px}.feature-copy a{pointer-events:auto}.feature-kicker{display:flex;align-items:center;gap:14px;flex-wrap:wrap;margin-bottom:16px}.feature-badge{background:white;color:#353143;border-radius:5px;padding:5px 9px;font-size:9px;font-weight:700;letter-spacing:.025em}.feature-kicker .eyebrow{color:#eeebff}.feature-copy h2{font-size:clamp(28px,3vw,43px);line-height:1.12;max-width:560px;letter-spacing:-.035em;margin:0 0 22px}.feature-copy h2 a:hover{color:#e0dbff}.feature-copy .meta{color:#e2e4ef;font-size:11px;padding-right:45px}.feature-circle{position:absolute;bottom:29px;right:30px;width:43px;height:43px;display:grid;place-items:center;border:1px solid #ffffff70;border-radius:50%;color:#fff}.feature-circle:hover{color:#fff;background:#5446df}
.savings-teaser{display:flex;flex-direction:column;position:relative;background:#eae7ff;border:1px solid #dfdafd;padding:26px 28px 22px;border-radius:16px;min-width:0;color:#30295b;overflow:hidden}.teaser-top{display:flex;justify-content:space-between;align-items:center;gap:15px;margin-bottom:10px}.savings-teaser .eyebrow{font-size:9px}.mini-icon{display:grid;place-items:center;width:32px;height:32px;background:#dbd5fc;border-radius:50%}.mini-icon .icon{width:17px}.savings-teaser h2{font-size:32px;letter-spacing:-.045em;line-height:1.08}.savings-teaser>p{font-size:12px;color:#615b7d;margin-top:10px}.teaser-range-label{display:flex;justify-content:space-between;gap:12px;font-size:11px;margin-top:22px;align-items:center}.teaser-range-label output{font-size:16px;font-weight:700;font-variant-numeric:tabular-nums}.savings-teaser input{width:100%;height:24px;accent-color:var(--accent);cursor:pointer;margin:8px 0 0}.teaser-bars{display:flex;align-items:end;gap:8px;height:71px;margin-top:15px;padding-top:5px;border-bottom:1px solid #c2b9f3}.teaser-bars i{display:block;flex:1;background:#9c8fe8;border-radius:4px 4px 0 0;transition:height .35s ease}.teaser-bars i:nth-last-child(-n+3){background:#6b57d7}.teaser-bars i:last-child{background:#4935b8}.teaser-result{margin-top:18px;display:flex;flex-direction:column;gap:3px}.teaser-result>span{font-size:10px;color:#605975}.teaser-result output{font-size:36px;font-weight:700;line-height:1.2;letter-spacing:-.055em;font-variant-numeric:tabular-nums;overflow-wrap:anywhere}.savings-teaser>p.teaser-assumption{font-size:9px;line-height:1.5;color:#625b7b;margin-top:9px;max-width:380px}.teaser-link{display:flex;align-items:center;justify-content:space-between;border-top:1px solid #c8c0ed;margin-top:auto;padding-top:15px;padding-bottom:0;font-size:12px;font-weight:700;gap:12px}.teaser-link .icon{width:18px}
.latest-strip{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:26px;border-bottom:1px solid var(--line);margin-top:5px}.latest-strip .mini-card{grid-template-columns:1fr 76px;gap:16px;align-items:center;border:0;padding:26px 0}.latest-strip .mini-card h3{font-size:17px;line-height:1.3;font-weight:700;margin:7px 0 9px}.latest-strip .mini-card .image-link{border-radius:8px}.latest-strip .mini-card .eyebrow{font-size:8px}.latest-strip .mini-card .meta{font-size:10px}.latest-strip .read-time,.latest-strip .separator{display:none}
.topic-strip{margin-top:0;padding:24px 0;border:0;gap:22px}.topic-strip>span{color:var(--muted);font-size:9px;letter-spacing:.04em}.pill{background:#fff;border:1px solid var(--line);font-weight:500;transition:background .15s,border-color .15s;max-width:100%;white-space:normal;min-height:38px}.topic-strip .pill{font-size:11px;padding:8px 13px}
.tools-band{background:#eeeff7;padding-block:54px;margin-top:25px;border-block:1px solid #e4e5ef}.section-heading{display:grid;grid-template-columns:1.3fr 1fr;gap:35px;align-items:end;margin-bottom:30px}.section-heading h2{font-size:44px;line-height:1.08;margin-top:13px}.section-heading>div:last-child{max-width:365px;justify-self:end}.section-heading p{font-size:13px;color:var(--muted)}.section-heading .text-link{color:var(--accent);margin-top:8px}.tools-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}.tool-card{display:flex;flex-direction:column;background:white;border:1px solid var(--line);border-radius:12px;padding:23px 24px 20px;min-width:0;transition:border-color .2s,transform .2s,box-shadow .2s;position:relative}.tool-card:hover{color:var(--ink);border-color:#a298ea;transform:translateY(-3px);box-shadow:0 10px 25px #2a1e6f09}.tool-card-top{display:flex;align-items:center;justify-content:space-between;margin-bottom:23px}.tool-icon{width:42px;height:42px;background:var(--tint);color:var(--accent);border-radius:10px;display:grid;place-items:center}.tool-icon .icon{width:23px;height:23px}.tool-arrow{font-size:22px;color:#817e92;transition:transform .2s}.tool-card:hover .tool-arrow{transform:translate(2px,-2px);color:var(--accent)}.tool-card .eyebrow{color:#716782;font-size:8px;letter-spacing:.06em}.tool-card h3{font-size:23px;line-height:1.2;margin:8px 0 10px;letter-spacing:-.035em}.tool-card p{font-size:12px;line-height:1.7;color:var(--muted);max-width:300px}.tool-card-cta{display:flex;justify-content:space-between;gap:10px;font-size:11px;font-weight:700;color:var(--accent);border-top:1px solid #eef0f5;padding-top:13px;margin-top:20px}.tool-card-cta span{font-size:17px;line-height:1}
.section{margin-top:66px}.rule-title{border-top:1px solid #b9c0cc;padding-top:20px;margin-bottom:26px;display:flex;align-items:center;justify-content:space-between;gap:20px}.rule-title h2{font-size:31px;letter-spacing:-.035em}.rule-title h2::before{content:'';display:inline-block;width:8px;height:8px;background:var(--accent);margin-right:12px;vertical-align:middle;border-radius:2px}.rule-title .text-link{font-size:11px;white-space:nowrap;color:var(--muted)}.card .image-link,.compact-story .image-link{border-radius:10px}.card h3,.four .card h3{font-size:23px;font-weight:700;line-height:1.25;letter-spacing:-.035em;margin:10px 0 13px}.card .eyebrow{font-size:8px}.card p{font-size:13px;line-height:1.65}.meta{font-size:11px;color:#697282}.card-grid{gap:35px 24px}.card-grid.four{gap:22px}.four .card h3{font-size:21px}.card .image-link{aspect-ratio:1.5}.editorial-band{background:#202236;padding-block:55px;margin-top:66px}.editorial-band::after{content:'+';font-family:var(--sans);color:#9c96f208;transform:rotate(-20deg);right:20px;top:-125px;font-weight:700;font-size:500px}.band-intro h2{font-size:43px;line-height:1.12}.editorial-band .card h3{font-size:25px}.editorial-band .card .image-link{border-radius:11px}.compact-story h3{font-size:20px;font-weight:700}.category-twins{gap:54px}.about-strip{padding-block:37px;margin-top:60px;grid-template-columns:1fr 1.5fr}.about-strip h2{font-size:31px;line-height:1.15;margin-top:13px}.about-strip p{font-size:14px;line-height:1.85}.about-strip .text-link{color:var(--accent);font-size:12px;margin-top:10px}
.site-footer{margin-top:75px;background:#171a2a}.footer-top{padding-block:50px;gap:65px;grid-template-columns:1.2fr 1fr 1.3fr}.footer-logo{width:222px}.footer-top p{font-size:12px;line-height:1.8}.footer-links{font-size:11px;gap:10px 20px}.footer-label{color:#c0baf6;font-size:10px}.footer-rss{border-radius:6px;padding:8px 12px;font-size:10px;margin-top:18px}.footer-bottom{font-size:10px}.footer-bottom nav{gap:20px}
.breadcrumbs{font-size:11px;padding-block:24px}.breadcrumbs span:last-child{max-width:100%;white-space:normal;overflow:visible}.archive-header{max-width:100%;padding-block:15px 34px}.archive-header h1{font-weight:700;font-size:56px;letter-spacing:-.045em}.archive-header p{font-size:14px;line-height:1.8}.archive-count{font-size:11px}.archive-subnav{gap:8px}.archive-subnav .pill{font-size:11px}.pagination a,.pagination span{border-radius:7px;background:white;min-height:44px}.pagination [aria-current]{background:var(--accent);border-color:var(--accent)}
.article-header{max-width:1070px;padding-top:18px;padding-bottom:30px}.article-header h1{font-weight:700;letter-spacing:-.045em;line-height:1.12;font-size:clamp(34px,4.2vw,57px)}.article-hero{border-radius:14px;max-width:1180px}.article-content{color:#303747;font-size:18px;line-height:1.85}.article-content h2{font-size:31px;font-weight:700;letter-spacing:-.03em}.article-content h3{font-weight:700;font-size:23px}.article-content blockquote{border-radius:0 10px 10px 0;font-size:21px}.article-content>p:first-child{font-size:20px}.article-layout{grid-template-columns:minmax(0,760px) minmax(200px,270px);gap:60px}.article-layout>div{min-width:0}.article-sidebar{min-width:0}.toc{background:#fff;border:1px solid var(--line);border-radius:12px;padding:21px;top:24px;max-height:80vh;overflow:auto}.toc>summary{font-size:10px;letter-spacing:.07em}.toc a{font-size:12px;line-height:1.55;padding:8px 0}.article-tool-callout{display:flex;align-items:center;justify-content:space-between;gap:30px;padding:26px 30px;background:var(--tint);border:1px solid #ddd7fa;border-radius:12px;margin-top:50px}.article-tool-callout h2{font-size:24px;margin-top:7px}.article-tool-callout>div:last-child{display:flex;flex-wrap:wrap;gap:8px}.article-tool-callout .pill{font-size:12px;color:var(--accent)}.reading-progress{height:3px}.share-row button{border-radius:6px;min-height:42px}
.search-dialog{border-radius:15px;padding:30px}.search-dialog-top strong{font-weight:700;font-size:28px}.search-results a{font-size:17px;font-weight:600}.search-result h2{font-size:26px;font-weight:700}.search-page-form input{border-radius:7px}.button{min-height:46px;border-radius:7px;background:var(--accent);color:white;font-size:13px;padding:12px 19px;font-weight:700;border:1px solid transparent;display:inline-flex;align-items:center;justify-content:center;gap:14px}.button:hover{background:#4133c9;color:white}.legal-main{max-width:900px}.legal-main>h1{font-weight:700}
/* Tool landing pages and accessible browser-local forms. */
.tools-hub-header{padding:25px 0 45px;max-width:850px}.tools-hub-header h1{font-size:clamp(45px,5.5vw,74px);line-height:1.04;margin:17px 0 22px}.tools-hub-header p{font-size:17px;line-height:1.75;max-width:690px;color:var(--muted)}.tool-trust-row{display:flex;gap:24px;flex-wrap:wrap;font-size:11px;color:var(--accent);margin-top:26px}.tool-trust-row span::before{content:'✓';margin-right:7px}.page-tools .tools-grid{gap:20px}.page-tools .tool-card{padding:30px}.page-tools .tool-card h3{font-size:26px}.page-tools .tool-card p{font-size:14px}.hub-help{display:grid;grid-template-columns:1fr 1.7fr;gap:60px;margin-top:65px;padding-top:35px;border-top:1px solid var(--line)}.hub-help h2{font-size:30px;line-height:1.2;max-width:350px}.hub-help p{font-size:15px;color:var(--muted);line-height:1.85;margin-bottom:20px}.hub-help strong{color:var(--ink)}
.tool-header{max-width:960px;padding:16px 0 30px}.tool-header .tool-icon{margin-bottom:18px;width:45px;height:45px}.tool-header h1{font-size:clamp(37px,5vw,61px);line-height:1.12;margin:13px 0 18px;overflow-wrap:anywhere}.tool-header>p{max-width:780px;font-size:16px;line-height:1.8;color:var(--muted)}.tool-header>.text-link{font-size:12px;color:var(--accent);margin-top:9px}.calculator{display:grid;grid-template-columns:1fr 1.08fr;border:1px solid var(--line);border-radius:15px;background:white;overflow:hidden;box-shadow:0 9px 40px #20244705}.calculator-form{padding:32px}.calc-form-heading{display:flex;align-items:center;gap:10px;margin-bottom:27px}.calc-form-heading h2{font-size:16px;font-weight:700;letter-spacing:-.02em}.step-badge{font-size:10px;font-weight:700;border:1px solid #ddd8f9;background:#f6f4ff;color:var(--accent);width:27px;height:27px;display:grid;place-items:center;border-radius:50%}.calc-fields{display:grid;grid-template-columns:1fr 1fr;gap:22px 17px}.calc-field{display:flex;flex-direction:column;gap:8px;min-width:0;font-size:11px;font-weight:600;line-height:1.5}.calc-field-wide{grid-column:1/-1}.input-wrap{position:relative;display:block}.input-wrap input{width:100%;min-width:0;border:1px solid #d8dce7;background:#f8f9fc;border-radius:7px;min-height:51px;padding:13px 60px 13px 13px;font-size:16px;font-weight:500;color:var(--ink);font-variant-numeric:tabular-nums;appearance:textfield}.input-wrap input::-webkit-inner-spin-button,.input-wrap input::-webkit-outer-spin-button{-webkit-appearance:none;margin:0}.input-unit{position:absolute;right:13px;top:50%;transform:translateY(-50%);font-size:11px;font-weight:500;color:var(--muted);pointer-events:none}.calc-field select{width:100%;min-width:0;min-height:48px;border:1px solid #d8dce7;border-radius:7px;padding:11px 12px;background:#f8f9fc;font-size:13px;font-weight:500}.calc-form-actions{display:flex;gap:18px;align-items:center;margin-top:28px}.calc-reset{font-size:11px;color:var(--muted);padding:13px 5px;text-decoration:underline;text-underline-offset:4px;min-height:44px}.calc-privacy{font-size:10px;color:var(--muted);margin-top:17px;line-height:1.65}.calculator-form noscript p{font-size:12px;margin-top:15px;background:#fff3d9;padding:12px}.rate-shortcuts{display:flex;gap:9px;margin-top:15px}.rate-shortcuts button{min-height:38px;padding:6px 13px;background:var(--tint);color:var(--accent);border-radius:5px;font-size:12px;font-weight:700}.rate-shortcuts button:hover{background:#ddd6fa}
.calc-result{background:#202137;color:white;padding:32px;min-width:0;display:flex;flex-direction:column}.calc-result .step-badge{background:#38334f;border-color:#5d577a;color:#d3caff}.calc-result .calc-form-heading{color:#dad9e7}.result-label{font-size:12px;line-height:1.6;color:#cbcbdc}.result-number{display:block;font-size:clamp(28px,3.8vw,49px);letter-spacing:-.055em;font-weight:700;line-height:1.18;margin:12px 0;font-variant-numeric:tabular-nums;overflow-wrap:anywhere}.result-explainer{font-size:11px;color:#bfc1d4;line-height:1.7;max-width:470px}.result-metrics{display:flex;flex-wrap:wrap;gap:20px;margin:23px 0 0;padding-top:19px;border-top:1px solid #47485c}.result-metrics:empty{display:none}.result-metrics>div{flex:1 1 125px;min-width:0}.result-metrics span{display:block;font-size:10px;color:#bbbfd4;margin-bottom:6px}.result-metrics strong{font-size:18px;font-weight:600;font-variant-numeric:tabular-nums;letter-spacing:-.025em;overflow-wrap:anywhere}.calc-assumption{font-size:10px;color:#b9bacb;line-height:1.75;margin-top:auto;padding-top:22px}.calc-error{background:#512d3e;color:#ffe5ec;padding:14px;border:1px solid #a2687d;border-radius:8px;font-size:13px;line-height:1.7}.result-actions{margin-top:23px;display:flex;gap:15px;align-items:center;font-size:10px}.result-actions button{min-height:40px;padding:8px 11px;border:1px solid #6b6881;border-radius:6px;font-size:11px;color:#e3defb}.result-actions button:hover{background:#38354d}.result-actions span{color:#c9e9d2}
.calc-chart{margin:28px 0 0}.calc-chart svg{width:100%;height:auto;overflow:visible}.chart-grid{stroke:#424359;stroke-width:1;stroke-dasharray:3 5}.chart-axis{font-size:10px;fill:#bfc1d4;font-family:var(--sans)}.chart-legend{display:flex;gap:18px;flex-wrap:wrap;font-size:10px;color:#cbcedf}.chart-legend>span{display:flex;align-items:center;gap:7px}.chart-legend i{display:inline-block;width:8px;height:8px;border-radius:50%}.calc-details{grid-column:1/-1;background:#f8f9fc}.calc-details:empty{display:none}.calc-table-details>summary{font-size:12px;font-weight:700;padding:19px 30px;cursor:pointer;min-height:50px;border-top:1px solid var(--line)}.calc-table-scroll{overflow:auto;max-width:100%;padding:0 30px}.calc-table-scroll table{width:100%;text-align:right;font-size:12px;font-variant-numeric:tabular-nums}.calc-table-scroll caption{text-align:left;font-size:11px;padding:14px 0;color:var(--muted)}.calc-table-scroll th{color:#6f6784;font-size:10px}.calc-table-scroll td,.calc-table-scroll th{padding:11px 13px;border-bottom:1px solid var(--line);white-space:nowrap}.calc-table-scroll td:first-child,.calc-table-scroll th:first-child{text-align:left}.calc-table-details .text-link{margin:13px 30px;color:var(--accent);min-height:40px;font-size:11px}
.tool-guide{display:grid;grid-template-columns:minmax(0,760px) minmax(210px,1fr);gap:90px;margin-top:64px}.tool-guide-main section{scroll-margin-top:25px;margin-bottom:40px}.tool-guide h2,.tool-faq h2{font-size:29px;line-height:1.2;margin:10px 0 20px}.tool-guide-main p{font-size:16px;line-height:1.85;color:#4f5767;margin:15px 0}.formula-box{border-left:3px solid var(--accent);background:#eceafa;padding:21px 24px;border-radius:0 10px 10px 0;margin-top:25px}.formula-box>span{font-size:10px;font-weight:700;color:var(--accent);text-transform:uppercase;letter-spacing:.12em}.formula-box p{font-size:14px;line-height:1.9;color:#3e365e;margin:8px 0 0;overflow-wrap:anywhere}.tool-guide-main p.tool-source{font-size:12px;line-height:1.8;color:#6b7280}.tool-source a{color:var(--accent);text-decoration:underline;text-underline-offset:3px}.guide-navigation{position:sticky;top:25px;background:#fff;border:1px solid var(--line);border-radius:12px;padding:25px}.guide-navigation a{display:block;font-size:12px;padding-block:13px;border-bottom:1px solid #eef0f5}.guide-navigation .eyebrow{display:block;margin-bottom:11px}.guide-navigation p{font-size:10px;line-height:1.8;color:var(--muted);margin-top:18px}.tool-faq{max-width:900px;margin-top:12px;padding-top:28px;border-top:1px solid var(--line)}.tool-faq details{border-bottom:1px solid var(--line);padding:0}.tool-faq summary{padding:20px 0;cursor:pointer;font-weight:700;font-size:15px;line-height:1.5}.tool-faq details p{font-size:15px;color:var(--muted);line-height:1.85;padding:0 0 23px;margin:0;max-width:810px}
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