:root{--ink-950:#12100E;--ink-900:#1C1917;--ink-800:#292524;--ink-700:#44403C;--ink-600:#57534E;--ink-500:#79716B;--ink-400:#A8A29E;--ink-300:#D6D3D1;--ink-200:#E7E5E4;--ink-100:#F5F5F4;--ink-50:#FAFAF9;--paper:#FFF;--brass-800:#92400E;--brass-700:#B45309;--brass-600:#D97706;--brass-400:#FBBF24;--brass-200:#FDE68A;--brass-50:#FFFBEB;--up:#15803D;--down:#B91C1C;--measure:62ch;--fd:"Inter Tight","Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",Helvetica,Arial,sans-serif;--fb:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",Helvetica,Arial,sans-serif;--fm:"JetBrains Mono",ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;color-scheme:light only}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--ink-50);color:var(--ink-900);font-family:var(--fb);font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased}.wrap{max-width:840px;margin:0 auto;padding:0 24px}h1,h2,h3,h4{font-family:var(--fd);letter-spacing:-.03em;line-height:1.12;margin:0;font-weight:700}a{color:var(--brass-700)}.rim{width:44px;height:3px;border-radius:2px;background:var(--brass-600);display:block}.eyebrow{font:600 11px/1 var(--fb);letter-spacing:.14em;text-transform:uppercase;color:var(--brass-700)}.mono{font-family:var(--fm);font-variant-numeric:tabular-nums}.muted{color:var(--ink-600)}:focus-visible{outline:2px solid var(--brass-600);outline-offset:2px;border-radius:4px}.skip-link{position:absolute;left:-9999px;top:0;background:var(--ink-900);color:#fff;padding:10px 16px;z-index:60;border-radius:0 0 6px}.skip-link:focus{left:0}nav{border-bottom:1px solid var(--ink-200);background:#fafaf9eb;backdrop-filter:blur(8px);position:sticky;top:0;z-index:20}nav .wrap{display:flex;align-items:center;justify-content:space-between;height:60px}.lock{display:flex;align-items:center;gap:9px;font-family:var(--fd);font-weight:700;font-size:18px;letter-spacing:-.025em;color:var(--ink-900);text-decoration:none}nav .links{display:flex;gap:22px;font-size:14px}nav .links a{color:var(--ink-600);text-decoration:none}nav .links a:hover,nav .links a[aria-current=page]{color:var(--ink-900)}nav .nav-cta{background:var(--ink-900);color:var(--paper)!important;font-weight:600;font-size:13.5px;padding:8px 14px;border-radius:6px;line-height:1;opacity:0;visibility:hidden;transform:translateY(-4px);transition:opacity .2s ease,transform .2s ease,visibility .2s}nav .nav-cta.is-on{opacity:1;visibility:visible;transform:none}nav .nav-cta:hover{background:var(--ink-800)}@media(prefers-reduced-motion:reduce){nav .nav-cta{transition:none;transform:none}}@media(max-width:700px){nav .links{gap:14px;font-size:13px}nav .links .hide-sm{display:none}nav .nav-cta{padding:7px 11px;font-size:12.5px}}@media(max-width:560px){nav .links a:not(.nav-cta):not([href="/calculators"]){display:none}}@media(max-width:359px){nav .links a:not(.nav-cta){display:none}}header{padding:56px 0 0}h1{font-size:clamp(34px,5.6vw,50px);letter-spacing:-.035em;max-width:17ch}header .sub{font-size:18px;color:var(--ink-600);max-width:58ch;margin:18px 0 0;line-height:1.6}.calc{background:var(--paper);border:1px solid var(--ink-200);border-radius:14px;padding:26px;margin-top:30px;box-shadow:0 1px 3px #1c19170d}.fields{display:grid;grid-template-columns:1fr 1fr;gap:16px}.fields-3{grid-template-columns:1fr 1fr 1fr}@media(max-width:640px){.fields,.fields-3{grid-template-columns:1fr}}.f label{display:block;font:600 12px/1 var(--fb);letter-spacing:.06em;text-transform:uppercase;color:var(--ink-600);margin-bottom:7px}.inp{display:flex;align-items:center;border:1px solid var(--ink-200);border-radius:8px;background:var(--ink-50);overflow:hidden}.inp span{font-family:var(--fm);font-size:15px;color:var(--ink-400);padding:0 0 0 13px}.inp span.suf{padding:0 13px 0 0}.inp input{border:0;background:transparent;font-family:var(--fm);font-size:17px;color:var(--ink-900);padding:12px 13px;width:100%;outline:none;min-width:0}.inp:focus-within{border-color:var(--brass-600);box-shadow:0 0 0 3px #d977061f}.f .help{font-size:12.5px;color:var(--ink-500);margin-top:6px;line-height:1.45}.btn{display:inline-flex;align-items:center;justify-content:center;font-family:var(--fb);font-weight:600;font-size:15px;border-radius:7px;padding:13px 24px;border:1px solid transparent;cursor:pointer;text-decoration:none}.btn-primary{background:var(--ink-900);color:var(--paper)}.btn-primary:hover{background:var(--ink-800)}.btn-secondary{background:var(--paper);color:var(--brass-700);border-color:var(--brass-200)}.result{margin-top:22px;border-top:1px solid var(--ink-200);padding-top:22px}.result .big{font-family:var(--fd);font-weight:800;font-size:clamp(26px,4vw,34px);letter-spacing:-.03em;line-height:1.08;color:var(--ink-900)}.result .big b{color:var(--brass-700)}.result .line{font-size:15px;color:var(--ink-700);margin-top:11px;line-height:1.6}.result .foot{font-size:12.5px;color:var(--ink-500);margin-top:13px;line-height:1.5}.warn{background:var(--brass-50);border:1px solid var(--brass-200);border-radius:8px;padding:11px 14px;font-size:14px;color:var(--brass-800);margin-top:16px}.privacy{font-size:13px;color:var(--ink-500);margin-top:14px;display:flex;gap:8px;align-items:flex-start;line-height:1.5;max-width:var(--measure)}.ask{background:var(--paper);border:1px solid var(--ink-200);border-radius:14px;padding:26px;margin-top:20px;box-shadow:0 1px 3px #1c19170d}.ask h2{font-size:25px}.ask p{color:var(--ink-600);margin:11px 0 20px;max-width:56ch;font-size:15.5px}.emailrow{display:flex;gap:10px}@media(max-width:640px){.emailrow{flex-direction:column}}.emailrow .inp{flex:1}.ask .fine{font-size:13px;color:var(--ink-500);margin-top:12px}.bh-form{margin-top:0}.bh-form:has(iframe){min-height:0!important}:root{--bh-h:56px}.bh-form div{height:auto!important}.bh-form iframe{height:var(--bh-h)!important;width:100%!important;max-width:100%;display:block;border:0}.hero{padding-top:44px}.hero h1{max-width:26ch;font-size:clamp(32px,4.7vw,44px)}.hero .sub{margin-top:16px}.ask-hero{margin-top:24px;padding:20px 22px;background:var(--brass-50);border-color:var(--brass-200);box-shadow:0 1px 3px #92400e0f}.ask-hero .trustrow{color:var(--ink-600)}.ask-hero .trustrow li:before{background:var(--brass-600)}.trustrow{display:flex;flex-wrap:wrap;gap:8px 20px;list-style:none;margin:12px 0 0;padding:0;font-size:13px;color:var(--ink-500)}.trustrow li{display:flex;align-items:center;gap:7px}.trustrow li:before{content:"";width:5px;height:5px;border-radius:50%;background:var(--brass-400);flex:none}.issue{background:var(--paper);border:1px solid var(--ink-200);border-radius:14px;margin-top:26px;overflow:hidden;box-shadow:0 1px 3px #1c19170d}.issue-bar{display:flex;align-items:center;justify-content:space-between;gap:14px;padding:13px 22px;background:var(--ink-900);color:var(--ink-300)}.issue-mark{font:700 12px/1 var(--fd);letter-spacing:.18em;color:var(--paper)}.issue-meta{font-size:11px;letter-spacing:.08em;color:var(--ink-400)}.issue-body{list-style:none;margin:0;padding:8px 22px;counter-reset:sec}.issue-body li{counter-increment:sec;padding:17px 0 17px 38px;border-bottom:1px solid var(--ink-200);position:relative}.issue-body li:last-child{border-bottom:0}.issue-body li:before{content:counter(sec);position:absolute;left:0;top:18px;width:22px;height:22px;border-radius:50%;background:var(--brass-50);color:var(--brass-700);font:600 11px/22px var(--fm);text-align:center}.issue-body b{display:block;font-family:var(--fd);font-size:16.5px;letter-spacing:-.015em;margin-bottom:5px}.issue-body span{font-size:14.5px;color:var(--ink-600);line-height:1.6}.issue-note{margin:0;padding:14px 22px 18px;border-top:1px solid var(--ink-200);background:var(--ink-50);font-size:13px;color:var(--ink-500);line-height:1.55}.closer{background:var(--paper);border:1px solid var(--ink-200);border-radius:14px;padding:34px 30px;text-align:center}.closer h2{font-size:28px;margin:0}.closer p{color:var(--ink-600);max-width:48ch;margin:12px auto 22px;font-size:16px}main>.wrap:first-of-type{padding-bottom:76px}section{padding:76px 0;border-top:1px solid var(--ink-200)}section:nth-of-type(2n){background:var(--paper)}section h2{font-size:clamp(28px,3.4vw,38px);margin-top:13px;letter-spacing:-.035em}section .eyebrow,.calc-head .eyebrow{display:inline-flex;align-items:center;gap:13px;font-size:11.5px;letter-spacing:.17em}section .eyebrow:before,.calc-head .eyebrow:before{content:"";width:32px;height:2px;border-radius:1px;background:var(--brass-600);flex:none}.hl{background:var(--brass-50);color:var(--brass-800);padding:.04em .26em;margin:0 -.06em;border-radius:5px;box-decoration-break:clone;-webkit-box-decoration-break:clone}@media(max-width:400px){.hl{padding:.04em .16em;margin:0 -.04em}}.lede{color:var(--ink-600);max-width:62ch;margin:16px 0 0;font-size:16.5px}.bullets{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:26px}@media(max-width:700px){.bullets{grid-template-columns:1fr}}.bul{background:var(--paper);border:1px solid var(--ink-200);border-radius:10px;padding:19px 21px}.bul b{display:block;font-family:var(--fd);font-size:16.5px;letter-spacing:-.015em;margin-bottom:6px}.bul span{font-size:14.5px;color:var(--ink-600);line-height:1.6}.skip{background:var(--ink-900);color:var(--paper);border-radius:16px;padding:52px 44px;position:relative;overflow:hidden}.skip:before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.05) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.05) 1px,transparent 1px);background-size:44px 44px;mask-image:radial-gradient(ellipse 90% 80% at 30% 40%,#000 30%,transparent 100%)}.skip>*{position:relative}.skip h2{font-size:clamp(28px,4.4vw,40px);letter-spacing:-.035em;max-width:16ch}.skip p{color:var(--ink-300);max-width:58ch;margin:20px 0 0;font-size:16.5px;line-height:1.65}@media(max-width:640px){.skip{padding:36px 24px}}.card{background:var(--paper);border:1px solid var(--ink-200);border-radius:12px;padding:24px;margin-top:24px}.empty{background:var(--paper);border:1px dashed var(--ink-300);border-radius:12px;padding:26px 24px;margin-top:24px;text-align:left}.empty b{display:block;font-family:var(--fd);font-size:19px;letter-spacing:-.02em;margin-bottom:9px}.empty p{color:var(--ink-600);font-size:15.5px;margin:0;max-width:var(--measure);line-height:1.6}.empty p+p{margin-top:12px}.calclist{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:26px}@media(max-width:700px){.calclist{grid-template-columns:1fr}}.calclist a{display:block;position:relative;background:var(--paper);border:1px solid var(--ink-200);border-radius:10px;padding:19px 46px 19px 21px;text-decoration:none;color:inherit;transition:border-color .18s ease,box-shadow .18s ease,transform .18s ease}.calclist a:after{content:"→";position:absolute;right:19px;top:19px;font-size:16px;color:var(--brass-600);transition:transform .18s ease}.calclist a:hover{border-color:var(--brass-400);box-shadow:0 3px 12px #1c191712;transform:translateY(-2px)}.calclist a:hover:after{transform:translate(3px)}@media(prefers-reduced-motion:reduce){.calclist a,.calclist a:after{transition:none}.calclist a:hover{transform:none}.calclist a:hover:after{transform:none}}.calclist b{display:block;font-family:var(--fd);font-size:16.5px;letter-spacing:-.015em;margin-bottom:6px;color:var(--ink-900)}.calclist span{font-size:14.5px;color:var(--ink-600);line-height:1.55;display:block}.prose{max-width:var(--measure);overflow-wrap:anywhere}.prose table{display:block;overflow-x:auto;max-width:100%}.prose h2{font-size:24px;margin:38px 0 0}.prose h3{font-size:18.5px;margin:28px 0 0}.prose p,.prose li{color:var(--ink-700);font-size:16px;line-height:1.7}.prose ul,.prose ol{padding-left:22px}.prose table{width:100%;border-collapse:collapse;margin:22px 0;font-size:14.5px}.prose th,.prose td{text-align:left;padding:9px 10px;border-bottom:1px solid var(--ink-200);vertical-align:top}.prose th{font-weight:600;color:var(--ink-900)}.prose code{font-family:var(--fm);font-size:.9em;background:var(--ink-100);padding:1px 5px;border-radius:4px}.prose blockquote{margin:22px 0;padding:14px 18px;border-left:3px solid var(--brass-400);background:var(--brass-50);color:var(--ink-800)}.prose blockquote p{margin:0;color:var(--ink-800)}.prose hr{border:0;border-top:1px solid var(--ink-200);margin:34px 0}.disclaimer{background:var(--ink-100);border:1px solid var(--ink-200);border-radius:10px;padding:16px 18px;font-size:13.5px;color:var(--ink-600);line-height:1.6;margin-top:28px;max-width:var(--measure)}.disclaimer b{color:var(--ink-800)}footer{border-top:1px solid var(--ink-200);padding:40px 0 60px;font-size:13px;color:var(--ink-500);line-height:1.6;margin-top:20px}footer p{max-width:var(--measure)}footer .links{display:flex;flex-wrap:wrap;gap:16px;margin-top:18px}footer .links a{color:var(--ink-500);text-decoration:none}footer .links a:hover{color:var(--ink-800)}.ph{background:var(--brass-50);color:var(--brass-800);padding:0 4px;border-radius:3px;font-family:var(--fm);font-size:.92em}