:root{--ink:#17211b;--muted:#5b6860;--green:#176b4d;--green-dark:#0e4d37;--mint:#eaf6ef;--cream:#fbfaf5;--white:#fff;--border:#d9e2dc;--danger:#a72b2b;--shadow:0 18px 50px rgba(23,33,27,.09);--radius:18px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:var(--cream);line-height:1.6}a{color:inherit}.container{width:min(1120px,calc(100% - 32px));margin:auto}.site-header{position:sticky;top:0;z-index:20;background:rgba(251,250,245,.95);backdrop-filter:blur(12px);border-bottom:1px solid var(--border)}.nav-wrap{min-height:70px;display:flex;align-items:center;justify-content:space-between;gap:20px}.brand{display:flex;align-items:center;gap:10px;text-decoration:none;font-weight:800}.brand-mark{display:grid;place-items:center;width:34px;height:34px;border-radius:10px;background:var(--green);color:white}.site-header nav{display:flex;gap:24px}.site-header nav a{text-decoration:none;font-weight:650;font-size:.94rem}.site-header nav a:hover{color:var(--green)}.menu-button{display:none}.hero{padding:78px 0 54px;background:linear-gradient(135deg,#f7fbf8 0%,#e7f5ed 100%);border-bottom:1px solid var(--border)}.hero-grid{display:grid;grid-template-columns:1.5fr .8fr;gap:54px;align-items:center}.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-weight:800;color:var(--green);font-size:.76rem;margin:0 0 10px}h1,h2,h3{line-height:1.15;margin-top:0}h1{font-size:clamp(2.45rem,5vw,4.7rem);letter-spacing:-.055em;margin-bottom:22px;max-width:850px}h2{font-size:clamp(1.8rem,3vw,2.7rem);letter-spacing:-.035em}h3{font-size:1.12rem}.hero-copy{font-size:1.13rem;color:var(--muted);max-width:680px;margin-bottom:30px}.hero-note{background:var(--white);padding:28px;border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow)}.hero-note strong{font-size:1.08rem}.hero-note p{margin-bottom:0;color:var(--muted)}.button{display:inline-flex;align-items:center;justify-content:center;border:0;border-radius:12px;padding:14px 20px;font-weight:800;font-size:1rem;cursor:pointer;text-decoration:none}.primary{background:var(--green);color:white}.primary:hover{background:var(--green-dark)}.secondary{background:#eef1ef;color:var(--ink)}.section{padding:78px 0}.soft{background:#f0f6f2;border-block:1px solid var(--border)}.section-heading{margin-bottom:28px}.section-heading.narrow{max-width:720px}.section-heading p:last-child{color:var(--muted)}.ad-slot{margin-top:30px;margin-bottom:10px;min-height:100px;border:1px dashed #b9c5bd;border-radius:12px;display:grid;place-items:center;color:#7d8981;background:#fff;font-size:.75rem;text-transform:uppercase;letter-spacing:.1em}.calculator-layout{display:grid;grid-template-columns:1.35fr .8fr;gap:28px;align-items:start}.calculator-card,.results-card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow);padding:32px}.results-card{position:sticky;top:96px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}.field{display:flex;flex-direction:column;gap:7px}.field.full{grid-column:1/-1}.field label{font-weight:750;font-size:.93rem}.field small{color:var(--muted)}input,select{width:100%;border:1px solid #bcc9c1;border-radius:10px;background:#fff;padding:13px 14px;font:inherit;color:var(--ink)}input:focus,select:focus{outline:3px solid rgba(23,107,77,.16);border-color:var(--green)}.money-input{display:flex;align-items:center;border:1px solid #bcc9c1;border-radius:10px;overflow:hidden}.money-input:focus-within{outline:3px solid rgba(23,107,77,.16);border-color:var(--green)}.money-input span{padding-left:14px;font-weight:800}.money-input input{border:0;outline:none!important}.checkbox-field{flex-direction:row;align-items:flex-start;padding:2px 0}.checkbox-field input{width:auto;margin-top:5px}.hidden{display:none}.form-actions{display:flex;gap:12px;margin-top:26px}.error{margin-top:18px;background:#fff1f1;border:1px solid #efb7b7;color:var(--danger);padding:12px 14px;border-radius:10px}.empty-state{text-align:center;padding:34px 8px;color:var(--muted)}.empty-state h2{color:var(--ink);font-size:1.45rem}.result-icon{width:58px;height:58px;border-radius:18px;background:var(--mint);color:var(--green);display:grid;place-items:center;font-size:2rem;font-weight:900;margin:0 auto 20px}.result-label{color:var(--muted);font-size:.85rem;font-weight:750;text-transform:uppercase;letter-spacing:.08em}.result-total{font-size:3rem;font-weight:900;letter-spacing:-.05em;color:var(--green-dark);margin:5px 0}.result-sub{color:var(--muted);margin-top:0}.result-breakdown{margin-top:24px;border-top:1px solid var(--border);padding-top:18px}.result-row{display:flex;justify-content:space-between;gap:18px;padding:9px 0}.result-row span:first-child{color:var(--muted)}.result-note{margin-top:20px;padding:14px;border-radius:10px;background:var(--mint);font-size:.92rem}.warning-note{background:#fff7e5}.steps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.steps-grid article{background:white;border:1px solid var(--border);padding:25px;border-radius:16px}.steps-grid article>span{display:grid;place-items:center;width:36px;height:36px;background:var(--green);color:white;border-radius:50%;font-weight:900;margin-bottom:18px}.steps-grid p,.resource-card p{color:var(--muted)}.rate-table-wrap{margin-top:30px;background:white;border:1px solid var(--border);border-radius:16px;overflow:auto}table{width:100%;border-collapse:collapse}caption{text-align:left;padding:20px;font-weight:850;font-size:1.05rem}th,td{text-align:left;padding:15px 20px;border-top:1px solid var(--border)}th{background:#f7faf8}.resource-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.resource-card{display:block;background:white;border:1px solid var(--border);border-radius:16px;padding:24px;text-decoration:none;transition:.18s ease}.resource-card:hover{transform:translateY(-2px);box-shadow:var(--shadow);border-color:#a9bdb0}.resource-card span{color:var(--green);font-weight:800}.faq-wrap{max-width:850px}.faq-wrap details{background:white;border:1px solid var(--border);border-radius:13px;margin-bottom:12px;padding:0 19px}.faq-wrap summary{cursor:pointer;font-weight:800;padding:18px 0}.faq-wrap details p{color:var(--muted);margin-top:0;padding-bottom:16px}.disclaimer-strip{background:#15251d;color:white}.disclaimer-strip p{color:#dbe6df;max-width:900px;margin-bottom:0}footer{padding:44px 0 22px;background:#0c1812;color:white}.footer-grid{display:flex;justify-content:space-between;gap:30px}.footer-grid p,.copyright{color:#aebbb3}.footer-links{display:flex;flex-wrap:wrap;gap:18px}.footer-links a{color:white}.copyright{border-top:1px solid #29372f;margin-top:28px;padding-top:20px;font-size:.88rem}.content-page{max-width:800px;padding:70px 0}.content-page h1{font-size:clamp(2.4rem,5vw,4rem)}.content-page h2{margin-top:36px;font-size:1.55rem}.content-page p,.content-page li{color:var(--muted)}
@media(max-width:820px){.menu-button{display:block;border:1px solid var(--border);background:white;border-radius:9px;padding:8px 11px}.site-header nav{display:none;position:absolute;top:70px;left:16px;right:16px;flex-direction:column;background:white;border:1px solid var(--border);padding:18px;border-radius:12px;box-shadow:var(--shadow)}.site-header nav.open{display:flex}.hero{padding-top:55px}.hero-grid,.calculator-layout{grid-template-columns:1fr}.results-card{position:static}.steps-grid{grid-template-columns:1fr}.resource-grid{grid-template-columns:1fr}.footer-grid{flex-direction:column}.form-grid{grid-template-columns:1fr}.field.full{grid-column:auto}h1{font-size:2.8rem}.section{padding:58px 0}}
@media(max-width:480px){.container{width:min(100% - 22px,1120px)}.calculator-card,.results-card{padding:22px}.form-actions{flex-direction:column}.button{width:100%}.brand span:last-child{font-size:.9rem}h1{font-size:2.3rem}}

.featured-guide{max-width:820px}.featured-guide p:not(.eyebrow){color:var(--muted);max-width:680px}.featured-guide .button{margin-top:8px}
.guide-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px}.guide-grid>div{padding:28px;border:1px solid var(--border);border-radius:var(--radius);background:#fff}.guide-grid p:not(.eyebrow){color:var(--muted)}.guide-grid .button{margin-top:8px}
@media(max-width:820px){.guide-grid{grid-template-columns:1fr}}
.article-hero{padding:70px 0 54px;background:linear-gradient(135deg,#f7fbf8 0%,#e7f5ed 100%);border-bottom:1px solid var(--border)}.article-hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:52px;align-items:center}.article-hero h1{font-size:clamp(2.45rem,5vw,4.3rem)}.article-summary{font-size:1.15rem;color:var(--muted);max-width:690px}.article-meta{display:flex;flex-wrap:wrap;gap:8px 18px;margin:23px 0 0;color:var(--muted);font-size:.92rem}.article-meta span{display:inline-flex;align-items:center;gap:7px}.article-hero-media img{display:block;width:100%;height:auto;border-radius:var(--radius);border:1px solid rgba(23,107,77,.2);box-shadow:var(--shadow)}
.article-shell{display:grid;grid-template-columns:minmax(0,760px) 250px;gap:70px;align-items:start;padding:62px 0 80px}.article-body{font-size:1.04rem}.article-body>p,.article-body li{color:#435149}.article-body>p{margin:0 0 1.25em}.article-body h2{font-size:clamp(1.65rem,3vw,2.25rem);margin:2.25em 0 .7em;scroll-margin-top:96px}.article-body h3{font-size:1.25rem;margin:1.8em 0 .55em}.article-body ul{padding-left:1.3em;margin:0 0 1.5em}.article-body li{margin:.45em 0}.article-body a:not(.button){color:var(--green-dark);font-weight:700;text-decoration-thickness:1px;text-underline-offset:3px}.article-body strong{color:var(--ink)}.article-lead{font-size:1.13rem}
.article-cta{margin:30px 0 38px;padding:26px;border:1px solid #bcd9c8;border-radius:var(--radius);background:var(--mint);display:flex;justify-content:space-between;align-items:center;gap:24px}.article-cta p{margin:0;color:var(--green-dark);font-weight:750}.article-cta .button{flex:0 0 auto}.article-callout{margin:28px 0;padding:22px 24px;border-left:5px solid var(--green);border-radius:0 14px 14px 0;background:#f0f6f2}.article-callout p:last-child{margin-bottom:0}.article-table{margin:24px 0 34px;border:1px solid var(--border);border-radius:16px;overflow:auto;background:#fff}.article-table caption{background:var(--green-dark);color:#fff}.article-table td:last-child{font-weight:850;color:var(--green-dark)}.equation{display:inline-block;margin:.25em 0 1em;padding:10px 16px;border-radius:10px;background:#eef4f0;color:var(--green-dark);font-size:1.1rem;font-weight:850}
.article-figure{margin:34px 0}.article-figure img{display:block;width:100%;height:auto;border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow)}.article-figure figcaption{margin-top:10px;color:var(--muted);font-size:.88rem;text-align:center}.article-aside{position:sticky;top:96px}.toc{padding:22px;border:1px solid var(--border);border-radius:15px;background:#fff}.toc strong{display:block;margin-bottom:10px}.toc a{display:block;padding:6px 0;color:var(--muted);font-size:.9rem;text-decoration:none}.toc a:hover{color:var(--green)}.source-box{margin-top:18px;padding:20px;border-radius:15px;background:#15251d;color:#fff}.source-box p{color:#dbe6df;font-size:.9rem}.source-box a{color:#fff;font-weight:800}
.article-faq details{background:#fff;border:1px solid var(--border);border-radius:13px;margin-bottom:12px;padding:0 19px}.article-faq summary{cursor:pointer;font-weight:800;padding:18px 0}.article-faq details p{color:var(--muted);margin-top:0;padding-bottom:16px}.byline-card{display:flex;gap:16px;align-items:flex-start;margin-top:48px;padding-top:28px;border-top:1px solid var(--border)}.byline-mark{display:grid;place-items:center;flex:0 0 46px;height:46px;border-radius:13px;background:var(--green);color:#fff;font-weight:900}.byline-card p{margin:2px 0;color:var(--muted);font-size:.94rem}.article-disclaimer{margin-top:30px;padding:22px;border:1px solid #e3d6aa;border-radius:14px;background:#fff9e8;font-size:.92rem}.article-disclaimer p{margin:0;color:#5f563e}.article-quote{margin:28px 0;padding:22px 24px;border-left:5px solid var(--green);border-radius:0 14px 14px 0;background:#fff;color:#435149;font-style:italic}.article-quote p{margin:0}.article-checklist{margin:24px 0 34px;padding:24px 28px;border:1px solid #bcd9c8;border-radius:var(--radius);background:var(--mint)}.article-checklist ul{margin-bottom:0}.check-list{list-style:none;padding-left:0!important}.check-list li{position:relative;padding-left:1.8em}.check-list li::before{content:"✓";position:absolute;left:0;color:var(--green);font-weight:900}
@media(max-width:900px){.article-shell{grid-template-columns:1fr}.article-aside{position:static;display:grid;grid-template-columns:1fr 1fr;gap:18px}.source-box{margin-top:0}}
@media(max-width:820px){.article-hero-grid{grid-template-columns:1fr}.article-hero{padding-top:48px}.article-hero-media{order:-1}.article-hero-media img{max-height:340px;object-fit:cover}.article-shell{padding-top:45px}}
@media(max-width:480px){.article-cta{flex-direction:column;align-items:stretch;padding:21px}.article-aside{grid-template-columns:1fr}.article-body{font-size:1rem}}

/* Responsive editorial imagery */
.article-hero-media picture{display:block;width:100%}.article-hero-media{width:100%;max-width:560px;justify-self:end}.article-hero-media img{width:100%;height:auto;max-height:none;object-fit:contain}.article-figure picture{display:block;width:min(100%,620px);margin-inline:auto}.article-figure img{width:100%;height:auto}.article-figure figcaption{max-width:620px;margin-inline:auto}
.site-seal-wrap{display:flex;justify-content:flex-end;align-items:center;min-height:44px;margin-top:20px}
@media(max-width:820px){.article-hero-media{max-width:680px;justify-self:center}.article-hero-media img{max-height:none;object-fit:contain}.article-figure picture{width:min(100%,560px)}}
@media(max-width:820px){.site-seal-wrap{justify-content:flex-start}}