:root{--paper:#f7f6f0;--surface:#eeeee5;--ink:#193e33;--muted:#52635a;--line:#cfd5c9;--leaf:#dce9bb;--white:#fffefa;--radius:18px;color-scheme:light;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:var(--paper);font-synthesis:none}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:100px}body{margin:0;line-height:1.6}a{color:inherit;text-underline-offset:4px}button,input,select{font:inherit}button,a,input,select,summary{-webkit-tap-highlight-color:transparent}:is(button,a,input,select,summary):focus-visible{outline:3px solid #718f3f;outline-offset:5px}img{max-width:100%}button{cursor:pointer}.wrap{width:min(1180px,calc(100% - 64px));margin-inline:auto}.skip{position:absolute;left:20px;top:-80px;background:var(--ink);color:var(--white);padding:12px 20px;z-index:100}.skip:focus{top:12px}.site-header{border-bottom:1px solid var(--line)}.header-inner{display:flex;align-items:center;justify-content:space-between;gap:30px;min-height:76px}.brand{display:flex;align-items:center;gap:13px;text-decoration:none;font-size:17px;font-weight:700;line-height:1.2}.brand-mark{width:38px;height:38px;background:var(--ink);color:var(--leaf);display:grid;place-items:center;font-size:25px;border-radius:50%;font-weight:400}.brand small{display:block;font-size:11px;font-weight:400;letter-spacing:.07em;margin-top:5px;text-transform:uppercase}.nav{display:flex;align-items:center;gap:29px;font-size:14px}.nav a{text-decoration:none}.nav a:hover{text-decoration:underline}.nav .nav-cta{padding:10px 16px;border:1px solid var(--ink);border-radius:7px}.menu-toggle{display:none;background:transparent;border:1px solid var(--line);border-radius:6px;padding:8px 12px;color:var(--ink)}
.eyebrow{font-size:12px;font-weight:700;letter-spacing:.13em;text-transform:uppercase;margin:0 0 20px;color:var(--muted)}h1,h2,h3,p{margin-top:0}h1{font-size:clamp(43px,5.05vw,64px);font-weight:500;letter-spacing:-.055em;line-height:1.05;margin-bottom:26px}h2{font-size:clamp(31px,3.1vw,42px);font-weight:500;letter-spacing:-.04em;line-height:1.15;margin-bottom:20px}h3{font-size:21px;font-weight:600;letter-spacing:-.025em;line-height:1.3;margin-bottom:12px}p{color:var(--muted)}.hero{display:grid;grid-template-columns:1.05fr 1fr;gap:70px;align-items:start;padding-block:76px 65px}.hero-copy{padding-top:16px}.intro{font-size:18px;line-height:1.65;max-width:48ch}.actions{display:flex;gap:20px;align-items:center;flex-wrap:wrap;margin:31px 0}.button{display:inline-flex;justify-content:center;align-items:center;gap:22px;padding:14px 20px;background:var(--ink);color:var(--white);text-decoration:none;border-radius:7px;border:1px solid var(--ink);font-size:14px;font-weight:600;min-height:50px;transition:background .15s}.button:hover{background:#2e594a}.text-link{font-size:14px;font-weight:600}.disclosure{font-size:13px;line-height:1.6;max-width:47ch;border-left:2px solid var(--line);padding-left:16px;margin-top:34px}.calculator{background:var(--ink);border-radius:var(--radius);color:var(--white);padding:28px 30px 26px;box-shadow:0 14px 40px #193e3309}.calculator h2{font-size:23px;letter-spacing:-.025em;margin-bottom:7px}.calculator p{color:#d1dccf;font-size:13px}.calculator .calc-kicker{font-size:10px;letter-spacing:.13em;font-weight:700;color:var(--leaf);margin-bottom:12px}.calculator label{display:block;font-size:13px;color:#e9eee4;margin-bottom:9px}.amount-label{display:flex;justify-content:space-between;align-items:center;margin:25px 0 8px}.amount-label label{margin:0}.amount-label output{font-size:29px;font-weight:500;font-variant-numeric:tabular-nums;letter-spacing:-.03em}.calculator input[type=range]{width:100%;accent-color:var(--leaf);height:23px;cursor:pointer;margin:5px 0}.range-limits{display:flex;justify-content:space-between;color:#bfcebf;font-size:11px}.calc-fields{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin:22px 0}.calculator input[type=number],.calculator select{width:100%;background:#254c3f;border:1px solid #60806b;border-radius:7px;color:var(--white);padding:10px 12px;min-height:45px}.calculator select option{background:var(--ink)}.calc-result{background:var(--leaf);color:var(--ink);border-radius:11px;padding:20px 22px;margin-top:22px}.calc-result p{color:#3e5941;font-size:12px;margin:0 0 4px}.monthly{font-size:46px;line-height:1.15;letter-spacing:-.05em;font-variant-numeric:tabular-nums}.monthly small{font-size:14px;letter-spacing:0;margin-left:5px}.result-detail{display:flex;justify-content:space-between;gap:15px;font-size:12px;margin-top:16px;padding-top:12px;border-top:1px solid #b2c595}.result-detail strong{display:block;font-size:16px;font-weight:600;font-variant-numeric:tabular-nums;margin-top:2px}.calculator .calc-note{font-size:11px;line-height:1.55;margin:16px 0 0;color:#c2d0c0}.calc-error{color:#ffe0ad!important;min-height:0;margin:8px 0 0!important}.no-script{font-size:12px;background:#fff0d0;color:#533f1b;padding:12px;border-radius:5px}
.facts{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:22px;border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding-block:26px;align-items:center}.facts p{font-size:13px;line-height:1.5;margin:0}.facts .fact-value{display:block;font-size:31px;letter-spacing:-.045em;line-height:1.2;margin-bottom:5px;font-weight:500}.fact-caption{font-size:12px;color:var(--muted)}.facts-title{font-weight:600;color:var(--ink)!important;max-width:22ch}.section{padding-block:83px}.section-header{max-width:620px;margin-bottom:36px}.section-header p{max-width:58ch}.section-tinted{background:var(--surface);border-block:1px solid var(--line)}.split{display:grid;grid-template-columns:.95fr 1.1fr;gap:95px}.checklist{margin:0;padding:0;list-style:none}.checklist li{display:grid;grid-template-columns:24px 1fr;gap:14px;padding:0 0 25px}.checklist li:last-child{padding-bottom:0}.checkmark{width:23px;height:23px;display:grid;place-items:center;border:1px solid #91a58c;border-radius:50%;font-size:13px;line-height:1;margin-top:2px}.checklist h3{font-size:18px;margin-bottom:6px}.checklist p{font-size:14px;margin:0;max-width:56ch}.source-note{font-size:12px;margin:26px 0 0;max-width:55ch}.resource-grid{display:grid;grid-template-columns:1.15fr 1fr;gap:22px}.resource{background:var(--white);border:1px solid var(--line);border-radius:11px;padding:27px}.resource p{font-size:14px;margin-bottom:19px}.resource .resource-label{font-size:11px;letter-spacing:.08em;text-transform:uppercase;color:#63755b;margin-bottom:15px}.resource a{font-size:14px;font-weight:600}.resource-feature{grid-row:span 2;padding:35px;display:flex;flex-direction:column;justify-content:space-between}.resource-feature h3{font-size:31px;max-width:15ch;font-weight:500}.resource-feature p{font-size:16px;max-width:40ch}.resource-small{padding-block:23px}.resource-small h3{font-size:20px}.resource-small p{margin-bottom:10px}.faq-layout{display:grid;grid-template-columns:.75fr 1.3fr;gap:90px}.faq details{border-bottom:1px solid var(--line);padding:20px 0}.faq details:first-child{border-top:1px solid var(--line)}.faq summary{font-size:17px;font-weight:600;cursor:pointer;list-style-position:outside;margin-left:20px;padding-left:4px}.faq details p{font-size:14px;max-width:64ch;margin:16px 0 2px 24px}.closing{display:flex;justify-content:space-between;gap:40px;align-items:center;padding:35px 0 65px}.closing h2{font-size:29px;margin-bottom:8px}.closing p{margin-bottom:0;font-size:14px}.closing .button{flex-shrink:0}.site-footer{border-top:1px solid var(--line);padding:34px 0 25px}.footer-top{display:flex;justify-content:space-between;gap:35px;align-items:flex-start}.footer-links{display:flex;flex-wrap:wrap;gap:22px;font-size:13px}.footer-note{font-size:11px;line-height:1.65;margin:30px 0 14px;max-width:100ch}.copyright{font-size:11px;color:var(--muted);margin:0}.article{max-width:780px;padding-block:64px 80px}.article h1{font-size:clamp(39px,4.5vw,56px);max-width:19ch}.article h2{font-size:28px;margin-top:38px}.article h3{font-size:20px;margin-top:28px}.article .lead{font-size:19px}.article li{color:var(--muted);margin-block:9px}.article .updated{font-size:12px;color:var(--muted);margin-bottom:33px}.article .notice{padding:20px 23px;background:var(--surface);border-left:3px solid #90a16d;border-radius:0 8px 8px 0}.article .back-link{display:inline-block;margin-bottom:27px;font-size:13px}.article section{margin-bottom:30px}.article .sources{font-size:14px;overflow-wrap:anywhere}.article a:hover,.text-link:hover{color:#477044}
@media(max-width:1024px){.wrap{width:calc(100% - 48px)}.hero{gap:38px;padding-top:55px}.hero-copy{padding-top:5px}h1{font-size:53px}.calculator{padding:25px}.split{gap:50px}.faq-layout{gap:50px}.facts{grid-template-columns:1.3fr 1fr 1fr 1fr}.section{padding-block:65px}.nav{gap:20px}.resource-feature{padding:28px}}
@media(max-width:760px){html{scroll-padding-top:35px}.wrap{width:calc(100% - 40px)}.header-inner{min-height:80px;flex-wrap:wrap;gap:0}.brand{font-size:15px}.brand small{font-size:9px}.brand-mark{width:34px;height:34px;font-size:22px}.menu-toggle{display:block}.nav{display:flex;width:100%;flex-direction:column;align-items:stretch;gap:0;padding-bottom:15px}.nav[hidden]{display:none}.nav a{padding:10px 0}.nav .nav-cta{margin-top:4px;text-align:center}.hero{grid-template-columns:1fr;gap:35px;padding-block:42px}.hero h1{font-size:48px;max-width:15ch}.eyebrow{font-size:10px;margin-bottom:17px}.intro{font-size:17px}.actions{margin-block:24px;gap:18px}.disclosure{margin-top:25px}.calculator{padding:25px 24px}.facts{grid-template-columns:repeat(3,1fr);gap:25px 14px;padding-block:24px}.facts-title{grid-column:1/-1;max-width:none}.facts .fact-value{font-size:27px}.fact-caption{font-size:11px;line-height:1.4}.section{padding-block:52px}.split,.faq-layout{grid-template-columns:1fr;gap:22px}.section-header{margin-bottom:26px}.resource-grid{grid-template-columns:1fr;gap:15px}.resource-feature{grid-row:auto;padding:27px}.resource-feature h3{font-size:28px;max-width:23ch}.resource-feature p{font-size:15px}.resource{padding:24px}.resource-feature a{margin-top:4px}.faq summary{font-size:16px}.closing{flex-direction:column;align-items:flex-start;gap:22px;padding-block:4px 48px}.closing h2{font-size:28px}.footer-top{flex-direction:column;gap:23px}.footer-links{gap:18px}.footer-note{margin-top:25px}.article{padding-block:43px 55px}.article h1{font-size:43px}.article h2{font-size:27px}.article .lead{font-size:18px}}
@media(max-width:380px){.wrap{width:calc(100% - 32px)}.hero h1{font-size:42px}.calculator{padding:22px 20px}.calc-fields{gap:12px}.monthly{font-size:42px}.button{gap:14px;padding-inline:15px}.fact-caption{font-size:10px}.brand{gap:8px;font-size:14px}}
:root{--card:#fffefa;--solid-bg:#193e33;--solid-text:#fffefa;--mark-text:#dce9bb;--resource-label:#63755b;--link-hover:#477044;--calc-bg:#193e33}
.button,.skip{background:var(--solid-bg);color:var(--solid-text);border-color:var(--solid-bg)}.brand-mark{background:var(--solid-bg);color:var(--mark-text)}.calculator{background:var(--calc-bg)}.calc-result{color:#193e33}.resource{background:var(--card)}.resource .resource-label{color:var(--resource-label)}.article a:hover,.text-link:hover{color:var(--link-hover)}
@media(prefers-color-scheme:dark){:root{color-scheme:dark;--paper:#142019;--surface:#1b2b22;--card:#203228;--ink:#e0e9d9;--muted:#b6c5b2;--line:#405341;--solid-bg:#dce9bb;--solid-text:#193e33;--mark-text:#193e33;--resource-label:#bac9ae;--link-hover:#e1edc5;--calc-bg:#1b3c2d}.button:hover{background:#c7d7a0}.calculator{border:1px solid var(--line);box-shadow:none}.calculator input[type=number],.calculator select{background:#244c3b;color:#fffefa}.checkmark{border-color:#7d9875}.nav .nav-cta{border-color:#8da580}.calculator .calc-result{background:#dce9bb;color:#193e33}.article .notice{border-left-color:#a0b77a}}
.article a.button:hover{color:var(--solid-text)}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
.hero>*,.calc-fields>*{min-width:0}.calculator input,.calculator select{min-width:0}

.resource-image{display:block;width:100%;height:auto;aspect-ratio:2/1;object-fit:cover;border-radius:7px;margin-bottom:24px}