:root{--ink:#171b22;--muted:#555d6b;--paper:#fff;--white:#fff;--line:#cdd1da;--faint:#f3f4f7;--blue:#2247e5;--teal:#2247e5;--sage:#edf0ff;--pink:#2247e5;--yellow:#edfa86;--warm:#fff5d8;--amber:#73500a;--radius:2px}
*{box-sizing:border-box}html{scroll-behavior:auto;scroll-padding-top:110px}body{margin:0;background:var(--paper);color:var(--ink);font:18px/1.6 'IBM Plex Sans',Arial,sans-serif}a{color:inherit;text-underline-offset:4px;text-decoration-thickness:1px}button,input,select{font:inherit;color:inherit}button,a,input,select,summary{touch-action:manipulation}button{cursor:pointer}button:disabled{cursor:not-allowed;opacity:.6}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible,[tabindex='-1']:focus-visible{outline:3px solid var(--blue);outline-offset:4px}h1,h2,h3,h4{font-family:Archivo,Arial,sans-serif;line-height:1.06;letter-spacing:-.03em;margin:0 0 22px;font-weight:700}h1{font-size:64px;max-width:1000px}h2{font-size:42px}h3{font-size:25px;letter-spacing:-.025em;line-height:1.2}h4{font-size:21px}p{margin:0 0 20px}p:last-child{margin-bottom:0}small,.small{font-size:14px;line-height:1.55}strong{font-weight:600}[hidden]{display:none!important}.wrap{width:min(1264px,calc(100% - 96px));margin:auto}.narrow{max-width:850px}.eyebrow,.edition,.section-label,.example-caption{font-size:11px;font-weight:600;letter-spacing:.09em;text-transform:uppercase;line-height:1.5}.eyebrow{display:block;color:var(--blue);margin-bottom:17px}.muted{color:var(--muted)}.pink{color:var(--blue)}.tag,.badge{display:inline-block;font-size:11px;font-weight:600;letter-spacing:.035em;text-transform:uppercase;padding:5px 8px;background:var(--faint);border:1px solid var(--line)}.skip{position:fixed;top:-100px;left:12px;z-index:100;background:var(--yellow);padding:12px}.skip:focus{top:12px}.site-header{position:sticky;top:0;z-index:20;background:#fff;border-bottom:1px solid var(--line)}.header-inner{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:102px}.brand{display:inline-block;font:800 28px/.88 Archivo,Arial,sans-serif;letter-spacing:-1.6px;text-decoration:none;color:var(--blue);flex-shrink:0}.brand-bottom{display:block}.brand-arrow{display:inline-block;font-size:36px;line-height:.6;margin-left:5px;font-weight:500;vertical-align:bottom}.site-header nav{display:flex;align-items:center;gap:32px}.site-header nav a{font-size:14px;font-weight:500;text-decoration:none;min-height:44px;display:inline-flex;align-items:center}.site-header nav a:hover,.site-header nav a[aria-current]{text-decoration:underline;text-underline-offset:7px}.menu-button{display:none}.button{display:inline-flex;align-items:center;justify-content:center;gap:22px;min-height:52px;border-radius:2px;padding:14px 23px;background:var(--blue);color:white;font-size:16px;font-weight:500;line-height:1.4;text-decoration:none;border:1px solid var(--blue)}.button:hover{background:#1734bb;border-color:#1734bb}.button:focus-visible{outline-color:var(--ink)}.button span[aria-hidden]{font-size:22px;line-height:1}.button.light{background:white;color:var(--ink);border-color:#747c89}.button.light:hover{background:var(--faint)}.button.soft{background:var(--sage);color:var(--blue);border-color:var(--blue)}.button.soft:hover{background:#dfe5ff}.button-row{display:flex;gap:12px;flex-wrap:wrap;align-items:center}.text-link{display:inline-flex;align-items:center;gap:10px;min-height:44px;font-size:15px;font-weight:500;color:var(--blue);background:none;padding:6px 0;border:0;text-decoration:underline;text-align:left}.text-link:hover{color:#142a8c}.opening{padding:25px 0 0}.edition{display:flex;justify-content:space-between;gap:20px;color:var(--muted)}.opening-grid{display:grid;grid-template-columns:1.12fr 1fr;gap:80px;align-items:start;padding:53px 0 54px}.opening h1{font-size:clamp(54px,5.4vw,78px);font-weight:700;letter-spacing:-.06em;line-height:.99;margin-bottom:27px}.opening h1{word-spacing:.035em}.opening h1 span{color:var(--blue)}.opening-copy>p{font-size:20px;max-width:435px;line-height:1.5;margin-bottom:27px}.opening-copy .button{min-width:235px}.opening-copy .opening-foot{font-size:12px;margin:13px 0 0;color:var(--muted)}.start-index{padding-top:10px}.index-heading{display:flex;justify-content:space-between;align-items:start;border-bottom:2px solid var(--ink);padding-bottom:13px}.index-heading .eyebrow{margin:0;color:var(--ink)}.index-heading>span:last-child{font-size:25px;line-height:1}.start-index>a{display:grid;grid-template-columns:26px 1fr 19px;gap:16px;align-items:start;border-bottom:1px solid var(--line);text-decoration:none;padding:24px 0;font-size:20px;line-height:1.3;font-weight:500}.start-index>a:hover{color:var(--blue)}.start-index small{display:block;color:var(--muted);font-size:13px;font-weight:400;margin-top:9px;line-height:1.45}.index-number{color:var(--blue);font-size:11px;font-weight:500;padding-top:4px}.start-index>a>span:last-child{font-size:23px}.starting-note{display:flex;align-items:center;gap:16px;padding:22px 0;border-top:1px solid var(--line);font-size:14px}.starting-note p{margin:0}.starting-note a{margin-left:auto;flex-shrink:0;min-height:44px;display:flex;align-items:center;color:var(--blue)}.note-mark{font-size:30px;color:var(--blue)}#returning-plan{background:var(--yellow);padding:14px 18px;font-size:15px;margin-top:22px;display:flex;justify-content:space-between;gap:20px;align-items:center}#returning-plan a{font-weight:600;min-height:44px;display:inline-flex;align-items:center}
.worked-section{background:var(--blue);color:#fff;padding:65px 0 68px}.worked-grid{display:grid;grid-template-columns:1fr 1.22fr;gap:100px;align-items:center}.worked-intro .eyebrow{color:var(--yellow)}.worked-intro h2{font-size:67px;letter-spacing:-.055em;line-height:1.02;margin:28px 0}.marker{color:var(--yellow)}.worked-intro>p{font-size:18px;max-width:370px;color:#f1f3ff}.worked-intro>p.small{font-size:14px;color:#e1e7ff;margin-top:23px}.worked-intro .text-link{color:white;max-width:380px}.worked-example{background:white;color:var(--ink);padding:28px 30px}.example-caption{display:flex;justify-content:space-between;gap:10px;padding-bottom:19px;border-bottom:1px solid var(--line);font-size:10px}.worked-example form{padding:21px 0 24px}.worked-example label{font-weight:500;font-size:15px;display:block;margin-bottom:8px}.example-input-row{display:flex;gap:10px}.example-input-row .currency-input{flex:1;min-width:0}.example-input-row input{width:100%;border:1px solid #747c89;border-radius:2px;min-height:52px;padding:12px 12px 12px 34px;font-size:19px}.comparison-table{width:100%;table-layout:fixed;border-collapse:collapse;border-top:2px solid var(--ink);border-bottom:1px solid var(--line);font-variant-numeric:tabular-nums}.comparison-table th,.comparison-table td{text-align:left;padding:12px 10px;font-size:16px;font-weight:400;white-space:nowrap}.comparison-table th:first-child{width:36%;padding-left:0;white-space:normal;color:var(--muted);font-size:12px;font-weight:400;line-height:1.4}.comparison-table thead th{font:600 40px/1.2 Archivo,Arial,sans-serif;padding-top:18px;padding-bottom:17px;letter-spacing:-.055em}.comparison-table thead th:first-child{font-family:'IBM Plex Sans',Arial,sans-serif;letter-spacing:0}.comparison-table thead th span{font-size:23px}.comparison-table tr>:last-child{background:var(--yellow)}.comparison-table strong{font-weight:500}.example-tradeoff{font-size:16px;line-height:1.5;margin:22px 0 19px}.example-tradeoff strong{display:block;font-size:20px;color:var(--blue);margin-bottom:4px}.worked-example>p.small{color:var(--muted);font-size:12px}.worked-example>.text-link{font-size:13px;margin-top:10px}.worked-example .notice{margin:0 0 16px}.section-label{display:flex;align-items:center;justify-content:space-between;gap:25px;padding-bottom:20px;border-bottom:1px solid var(--ink);color:var(--muted)}.section-label a{color:var(--ink);font-size:12px;letter-spacing:0;text-transform:none;min-height:44px;display:flex;align-items:center}.home-tools{padding:65px 0 72px}.section-heading{display:flex;justify-content:space-between;align-items:end;gap:35px;margin:36px 0 40px}.section-heading h2{font-size:46px;margin:0}.section-heading p{font-size:16px;color:var(--muted);margin:0;max-width:350px}.directory-row{display:grid;grid-template-columns:72px 1fr 35px;align-items:center;gap:26px;padding:27px 0;border-top:1px solid var(--line);text-decoration:none}.directory-row:last-child{border-bottom:1px solid var(--line)}.directory-row h3{font-size:25px;margin:0 0 7px;letter-spacing:-.035em}.directory-row p{font-size:16px;color:var(--muted);max-width:760px;margin:0}.directory-row .eyebrow{font-size:10px;margin-bottom:9px}.directory-mark{color:var(--blue);font:500 32px/1 Archivo,Arial,sans-serif;letter-spacing:-.06em}.row-arrow{font-size:30px;color:var(--blue);justify-self:end}.directory-row:hover h3{text-decoration:underline;text-underline-offset:5px;color:var(--blue)}.reading-section{background:var(--faint);padding:48px 0 65px}.reading-grid{display:grid;grid-template-columns:1fr 1fr;gap:80px;margin-top:40px}.reading-grid h2{font-size:45px}.reading-grid p{font-size:16px;color:var(--muted)}.reading-list>a{display:block;position:relative;padding:0 40px 27px 0;text-decoration:none}.reading-list>a+a{border-top:1px solid var(--line);padding-top:27px}.reading-list h3{font-size:27px;max-width:380px;margin:0}.reading-list .eyebrow{font-size:10px;margin-bottom:10px}.reading-list>a>span:last-child{position:absolute;right:0;bottom:30px;font-size:28px;color:var(--blue)}.reading-list>a:hover h3{text-decoration:underline;text-underline-offset:5px;color:var(--blue)}.closing-note{display:grid;grid-template-columns:190px 1fr;gap:50px;padding:72px 0}.closing-symbol{font:500 170px/.9 Archivo,Arial,sans-serif;color:var(--blue)}.closing-note h2{font-size:44px}.closing-note p{font-size:18px;max-width:700px}.closing-note .button-row{gap:26px;margin-top:30px}
.section{padding:45px 0 65px}.section-head{display:flex;align-items:end;justify-content:space-between;gap:45px;margin-bottom:30px}.section-head p{max-width:430px;color:var(--muted)}.three-grid,.two-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:28px}.two-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.card{padding:25px;border:1px solid var(--line);border-radius:2px;background:#fff}.card p{font-size:16px;color:var(--muted)}.card .number{font-size:14px;color:var(--blue);display:block;margin-bottom:25px}.card-link{display:flex;flex-direction:column;text-decoration:none}.card-link:hover{border-color:var(--blue)}.card-link:hover h3{text-decoration:underline}.card-link .arrow{margin-top:auto;padding-top:16px;font-size:14px;font-weight:500;color:var(--blue)}.card-icon{color:var(--blue);font-size:30px;margin-bottom:20px}.route-grid{display:block}.filter-row{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:30px}.chip{min-height:44px;padding:9px 20px;background:white;border:1px solid #747c89;border-radius:2px;font-size:14px}.chip[aria-pressed=true]{background:var(--ink);border-color:var(--ink);color:white}.page-head{padding:43px 0 38px}.page-head h1{font-size:58px;max-width:940px}.page-head .deck{font-size:20px;color:var(--muted);max-width:760px;line-height:1.55}.breadcrumbs{font-size:13px;margin-bottom:27px;color:var(--muted)}.breadcrumbs a{display:inline-block;min-height:28px}.plan-prompt{display:flex;align-items:center;justify-content:space-between;gap:30px;background:var(--yellow);padding:27px 30px;margin-bottom:42px;text-decoration:none}.plan-prompt h2{font-size:27px;margin:0 0 7px}.plan-prompt p{font-size:16px;margin:0}.plan-prompt .row-arrow{color:var(--ink)}.plan-prompt:hover h2{text-decoration:underline}.search-line{max-width:600px;margin-bottom:42px}.search-line label{display:block;font-size:15px;font-weight:500;margin-bottom:10px}.search-line input{width:100%;min-height:54px;border:1px solid #747c89;border-radius:2px;padding:12px 15px;background:white;font-size:18px}.search-line [data-search-status]{display:block;font-size:13px;color:var(--muted);margin-top:12px;min-height:22px}.search-line p{font-size:13px;color:var(--muted);margin-top:8px;min-height:22px}.guide-index{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0 55px}.guide-card{padding:28px 0 31px;display:flex;flex-direction:column;text-decoration:none;border-top:1px solid var(--line)}.guide-card h3{font-size:30px;max-width:480px}.guide-card p{font-size:16px;color:var(--muted);max-width:490px}.guide-card .read-link{font-size:14px;color:var(--blue);margin-top:auto;display:flex;justify-content:space-between;align-items:center}.guide-card .read-link>span{font-size:25px}.guide-card:hover h3{color:var(--blue);text-decoration:underline}.article-grid{display:grid;grid-template-columns:250px minmax(0,760px);gap:95px;align-items:start;padding-bottom:60px}.article{font-size:18px;overflow-wrap:break-word}.article h2{font-size:33px;margin-top:42px}.article h3{font-size:25px;margin-top:32px}.article>h2:first-child,.article>h3:first-child{margin-top:0}.article li{margin-bottom:12px}.article p{line-height:1.75}.article ul,.article ol{padding-left:24px}.article-sidebar{position:sticky;top:132px}.contents{display:flex;flex-direction:column;align-items:stretch;gap:0;border-top:2px solid var(--ink);padding-top:20px}.contents .eyebrow{color:var(--ink);margin-bottom:12px}.contents a{font-size:13px;line-height:1.5;text-decoration:none;display:block;padding:11px 0;border-bottom:1px solid var(--line);min-height:44px}.contents a:hover{color:var(--blue);text-decoration:underline}.contents .level-3{color:var(--muted)}.margin-note{margin-top:30px;border-left:3px solid var(--blue);padding-left:18px}.margin-note p{font-size:14px;margin-bottom:8px}.margin-note .text-link{font-size:13px}.article-end{margin-top:40px;padding:28px;background:var(--faint)}.article-end h2{font-size:28px;margin-top:0}.article-end p{font-size:16px}.source-note{border-top:1px solid var(--ink);margin-top:40px;padding-top:25px;font-size:13px;color:var(--muted)}.source-note p{margin:10px 0}.source-note a{display:block;color:var(--blue);padding:10px 0;overflow-wrap:anywhere;min-height:40px}.notice{border-left:3px solid var(--blue);background:var(--sage);padding:19px 22px;font-size:16px;margin:24px 0}.notice.warning{background:var(--warm);border-color:var(--amber);color:#543909}.notice.error{background:#fff0f0;border-color:#a22237;color:#812032}.notice strong{display:block;margin-bottom:4px}.source-list>div{border-bottom:1px solid var(--line);padding:17px 0}.source-list small{display:block;color:var(--muted)}.source-list a{color:var(--blue)}.site-footer{padding:40px 0 25px;border-top:1px solid var(--line);background:var(--faint);margin-top:45px}.footer-top{display:grid;grid-template-columns:1fr 1.4fr 1fr;gap:45px;align-items:center;padding-bottom:30px}.footer-top .brand{font-size:33px}.footer-top p{font-size:17px;margin:0}.footer-top .text-link{justify-self:end}.footer-links{display:flex;flex-wrap:wrap;gap:12px 30px;padding:20px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.footer-links a{font-size:13px;min-height:44px;display:flex;align-items:center}.footer-small{display:flex;justify-content:space-between;gap:60px;padding-top:25px;font-size:11px;line-height:1.6;color:var(--muted)}.footer-small p:first-child{max-width:790px}.footer-small p:last-child{min-width:190px}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.form-field{margin-bottom:25px}.form-field label,.form-label{display:block;font-weight:500;font-size:16px;margin-bottom:8px}.form-field small{display:block;color:var(--muted);margin-top:7px}.form-field input,.form-field select{width:100%;background:white;border:1px solid #747c89;border-radius:2px;min-height:54px;padding:12px 14px;font-size:18px;line-height:1.4}.form-field input[aria-invalid=true],.form-field select[aria-invalid=true],#example-price[aria-invalid=true]{border:2px solid #a22237}.field-error{font-size:15px;color:#a22237;font-weight:500;margin-top:7px}.currency-input{position:relative}.currency-input span{position:absolute;left:14px;top:12px;color:var(--muted);pointer-events:none}.currency-input input{padding-left:34px}.field-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0 25px}.form-field.full{grid-column:1/-1}.check-row{display:flex;align-items:flex-start;gap:12px;min-height:44px;font-size:16px;padding:10px 0;cursor:pointer}.check-row input{width:23px;height:23px;flex-shrink:0;accent-color:var(--blue);margin-top:3px}.check-row small{display:block;color:var(--muted)}fieldset{border:1px solid var(--line);border-radius:2px;padding:20px;margin:0 0 25px;min-width:0}legend{font-weight:500;padding:0 7px}details{border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:16px 0;margin:25px 0}details+details{border-top:0;margin-top:-25px}summary{cursor:pointer;font-weight:500;min-height:34px}details[open]>summary{margin-bottom:20px}.form-error-summary{background:#fff0f0;border:2px solid #a22237;padding:20px;margin:0 0 25px}.form-error-summary h3{font-size:20px}.form-error-summary a{color:#812032}.form-error-summary ul{margin-bottom:0}.step-layout{display:grid;grid-template-columns:minmax(0,750px) 270px;gap:80px;align-items:start}.form-card{background:white;border:1px solid var(--line);border-top:3px solid var(--blue);border-radius:2px;padding:32px}.form-card h2{font-size:29px}.step-aside{padding:24px 0 0;position:sticky;top:125px;border-top:1px solid var(--ink);margin-top:57px}.step-aside h3{font-size:23px}.step-aside p{font-size:15px}.step-aside p.small{font-size:12px}.step-tabs{display:flex;gap:8px;list-style:none;padding:0;margin:0 0 23px}.step-tabs li{flex:1;border-top:2px solid var(--line);padding:9px 0 0;font-size:12px;color:var(--muted)}.step-tabs li.current{color:var(--blue);border-color:var(--blue);font-weight:600}.form-actions{display:flex;gap:20px;align-items:center;justify-content:space-between;border-top:1px solid var(--line);padding-top:24px;margin-top:24px}.form-actions .text-link{margin-right:auto}.plan-toolbar{display:flex;gap:12px;align-items:center;flex-wrap:wrap}.plan-jumps{display:flex;flex-wrap:wrap;gap:8px 28px;border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:8px 0}.plan-jumps a{display:flex;align-items:center;font-size:13px;min-height:44px;color:var(--blue);text-decoration:none}.plan-jumps a:hover{text-decoration:underline}.status-bar{padding:25px 28px;background:var(--sage);border-left:3px solid var(--blue);margin:30px 0}.status-bar.warning{background:var(--warm);border-color:var(--amber)}.status-bar h2{font-size:27px;margin-bottom:12px}.status-bar p{font-size:16px}.result-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:0;margin:30px 0;border:1px solid var(--line)}.result-card{background:#fff;padding:28px;border-right:1px solid var(--line)}.result-card:last-child{border-right:0}.result-card h3{font-size:18px;letter-spacing:-.01em;margin:0 0 22px}.result-card .value{font:600 40px/1.1 Archivo,Arial,sans-serif;letter-spacing:-.055em;margin-bottom:18px;font-variant-numeric:tabular-nums}.result-card p{font-size:14px;color:var(--muted)}.result-card.dark{background:var(--blue);color:white;border-color:var(--blue)}.result-card.dark p,.result-card.dark .muted{color:#e8edff}.result-card .badge{margin-bottom:22px;font-size:10px}.result-card.dark .badge{background:none;border-color:#b6c1ff;color:white}.result-card .subvalue{font-size:20px;font-weight:600}.panel{padding:30px;border:1px solid var(--line);border-radius:2px;background:white;margin-top:30px;scroll-margin-top:120px}.panel h2{font-size:31px}.panel-head{display:flex;justify-content:space-between;gap:20px;align-items:start}.numbers-list{margin:18px 0;font-variant-numeric:tabular-nums}.numbers-list>div{display:flex;justify-content:space-between;gap:25px;padding:12px 0;border-bottom:1px solid var(--line);font-size:15px}.numbers-list dt{max-width:70%}.numbers-list dd{margin:0;font-weight:500;text-align:right}.numbers-list .total{font-size:18px;border-bottom:2px solid var(--ink)}.next-action{display:grid;grid-template-columns:30px 1fr;gap:16px;padding:22px 0;border-bottom:1px solid var(--line)}.next-action:last-child{border:0;padding-bottom:0}.next-action .number{color:var(--blue);font-size:18px}.next-action h3{font-size:23px;margin-bottom:10px}.next-action p{font-size:16px;color:var(--muted);max-width:850px}.compare-summary{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px;margin-top:22px}.compare-box{padding:25px;border:1px solid var(--line);background:var(--faint)}.compare-box.selected{background:var(--sage);border-color:var(--blue)}.compare-box h3{font-size:24px}.compare-box dl{font-size:15px}.compare-box .value{font-size:26px;font-weight:600}.save-panel{background:var(--sage)}.check-done{color:#4d576b;text-decoration:line-through}.calculator-layout{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,1fr);gap:55px;align-items:start}.result-box{padding:30px;background:var(--blue);color:white}.result-box h2{font-size:27px}.result-box .big{font:600 48px/1.1 Archivo,Arial,sans-serif;margin:20px 0 25px;letter-spacing:-.05em;font-variant-numeric:tabular-nums}.result-box p{font-size:15px;color:#edf0ff}.result-box .numbers-list>div{border-color:#a5b3fb}.result-box .text-link{color:white}.result-box a:focus-visible{outline-color:var(--yellow)}.result-box .button{background:white;color:var(--blue);border-color:white}.sticky-result{position:sticky;top:125px}.sticky-result>.notice:first-of-type{margin-top:0}.tool-result:not(:empty)+.notice{margin-top:24px}.save-status{font-size:14px;color:var(--blue);padding:12px 0}.toast{position:fixed;bottom:20px;left:50%;transform:translateX(-50%);max-width:min(650px,calc(100% - 30px));background:var(--ink);color:white;padding:15px 23px;font-size:15px;z-index:50}.print-only{display:none}.inline-note{font-size:15px;color:var(--muted)}.rule-table{width:100%;border-collapse:collapse;font-size:16px;margin:25px 0}.rule-table td,.rule-table th{padding:13px 10px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}.rule-table th{background:var(--faint);font-weight:500}.tool-intro{max-width:780px}.tool-result:empty{display:none}
@media(min-width:1600px){.opening-grid{gap:100px;padding:66px 0}.opening h1{font-size:80px}}
@media(max-width:1100px){.wrap{width:calc(100% - 56px)}.header-inner{min-height:91px}.site-header nav{gap:23px}.opening-grid{gap:45px;padding:42px 0}.opening h1{font-size:64px}.start-index>a{font-size:18px;padding:22px 0;gap:11px}.worked-grid{gap:50px}.worked-intro h2{font-size:58px}.worked-example{padding:25px}.comparison-table th,.comparison-table td{font-size:14px;padding-left:9px;padding-right:9px}.comparison-table thead th{font-size:38px}.reading-grid{gap:45px}.reading-grid h2{font-size:40px}.article-grid{grid-template-columns:220px minmax(0,1fr);gap:50px}.step-layout{grid-template-columns:minmax(0,1fr) 230px;gap:40px}.result-card{padding:23px}.result-card .value{font-size:35px}.calculator-layout{gap:30px}.footer-top{gap:25px}.footer-top p{font-size:15px}}
@media(max-width:780px){html{scroll-padding-top:90px}.wrap{width:calc(100% - 40px)}.header-inner{min-height:78px;flex-wrap:wrap;gap:0}.brand{font-size:24px;letter-spacing:-1.3px}.brand-arrow{font-size:32px}.menu-button{display:inline-flex;align-items:center;justify-content:center;gap:16px;min-height:44px;background:transparent;border:1px solid #747c89;border-radius:2px;font-size:14px;padding:9px 12px}.menu-button>span{font-size:19px}.site-header nav{display:none;width:100%;padding:13px 0 20px;align-items:stretch;gap:3px}.site-header nav.menu-open{display:flex;flex-direction:column}.site-header nav a{padding:13px 0;font-size:16px;min-height:48px}.site-header nav .button{padding:14px 20px;margin-top:9px}.opening{padding-top:20px}.edition{font-size:9px;letter-spacing:.06em;gap:12px}.edition span:last-child{text-align:right;max-width:138px}.opening-grid{grid-template-columns:1fr;gap:38px;padding:35px 0 30px}.opening h1{font-size:clamp(42px,10.6vw,63px);line-height:1.02;max-width:550px;margin-bottom:21px}.opening-copy>p{font-size:18px;line-height:1.5;margin-bottom:23px}.opening-copy .button{min-width:0;justify-content:space-between;padding:14px 20px}.opening-copy .opening-foot{font-size:11px;margin-top:12px}.start-index{padding-top:0}.index-heading{padding-bottom:12px}.index-heading .eyebrow{font-size:10px}.start-index>a{font-size:18px;grid-template-columns:19px 1fr 18px;gap:12px;padding:20px 0}.start-index small{font-size:12px;margin-top:7px}.starting-note{display:grid;grid-template-columns:25px 1fr;gap:8px 10px;padding:19px 0 25px;font-size:13px;align-items:start}.note-mark{line-height:1.1}.starting-note a{grid-column:2;margin-left:0;font-size:13px}.starting-note strong{display:block}.worked-section{padding:39px 0 40px}.worked-grid{grid-template-columns:1fr;gap:27px}.worked-intro h2{font-size:51px;margin:20px 0}.worked-intro h2 br{display:none}.worked-intro h2 .marker{white-space:nowrap}.worked-intro>p{font-size:17px;max-width:540px}.worked-intro>p.small{font-size:13px;margin-top:18px}.worked-intro .text-link{font-size:14px}.worked-example{padding:21px 18px}.example-caption{font-size:9px;padding-bottom:15px;letter-spacing:.06em}.worked-example form{padding:18px 0 22px}.example-input-row{gap:8px}.example-input-row .button{font-size:14px;padding:12px 15px}.comparison-table th,.comparison-table td{font-size:14px;letter-spacing:-.025em;padding:13px 7px}.comparison-table thead th{font-size:36px;padding:16px 7px}.comparison-table th:first-child{font-size:11px;letter-spacing:0}.comparison-table thead th span{font-size:22px}.example-tradeoff{font-size:14px}.example-tradeoff strong{font-size:18px}.worked-example>p.small{font-size:12px}.worked-example>.text-link{font-size:12px}.home-tools{padding:39px 0 45px}.section-label{font-size:9px;letter-spacing:.06em;gap:15px;padding-bottom:15px}.section-label>span:last-child{text-align:right}.section-label a{font-size:11px}.section-heading{display:block;margin:26px 0 28px}.section-heading h2{font-size:35px;margin-bottom:17px}.section-heading p{font-size:15px}.directory-row{grid-template-columns:36px 1fr 20px;gap:15px;padding:23px 0}.directory-row h3{font-size:21px;letter-spacing:-.035em;margin-bottom:8px}.directory-row p{font-size:14px}.directory-mark{font-size:26px}.directory-row .eyebrow{font-size:9px;letter-spacing:.045em}.row-arrow{font-size:24px}.reading-section{padding:31px 0 39px}.reading-grid{grid-template-columns:1fr;gap:30px;margin-top:27px}.reading-grid h2{font-size:35px}.reading-grid p{font-size:15px}.reading-list>a{padding-bottom:24px}.reading-list h3{font-size:24px;max-width:none}.reading-list>a+a{padding-top:24px}.closing-note{grid-template-columns:48px 1fr;gap:16px;padding:40px 0}.closing-symbol{font-size:64px}.closing-note h2{font-size:32px}.closing-note p{font-size:16px}.closing-note .button-row{gap:12px;margin-top:22px}.closing-note .button{font-size:15px}.section{padding:22px 0 40px}.section-head{display:block;margin-bottom:25px}.section-head p{margin-top:15px}.three-grid,.two-grid{grid-template-columns:1fr;gap:20px}.card{padding:23px}.card .number{margin-bottom:20px}h2{font-size:32px}.page-head{padding:30px 0 26px}.page-head h1{font-size:39px;letter-spacing:-.03em;margin-bottom:18px}.page-head .deck{font-size:18px}.page-head .eyebrow{font-size:10px;margin-bottom:16px}.breadcrumbs{font-size:12px;margin-bottom:19px}.plan-prompt{padding:23px 20px;gap:16px;margin-bottom:30px}.plan-prompt h2{font-size:24px}.plan-prompt p{font-size:14px}.search-line{margin-bottom:28px}.guide-index{grid-template-columns:1fr}.guide-card{padding:24px 0 28px}.guide-card h3{font-size:28px}.guide-card p{font-size:16px}.guide-card .eyebrow{font-size:10px}.article-grid{grid-template-columns:1fr;gap:32px;padding-bottom:35px}.article-sidebar{position:static}.contents{padding-top:16px;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0 22px}.contents .eyebrow{grid-column:1/-1;margin-bottom:5px;font-size:10px}.contents a{font-size:12px;min-height:44px}.margin-note{display:none}.article{font-size:18px}.article h2{font-size:28px}.article h3{font-size:23px}.article-end{padding:24px 20px}.article-end h2{font-size:26px}.site-footer{margin-top:25px;padding:30px 0 18px}.footer-top{grid-template-columns:1fr;gap:25px;padding-bottom:22px}.footer-top .brand{font-size:31px;justify-self:start}.footer-top p{font-size:16px}.footer-top .text-link{justify-self:start}.footer-links{gap:4px 22px;padding:15px 0}.footer-links a{font-size:12px}.footer-small{display:block;font-size:11px;padding-top:21px}.footer-small p{margin-bottom:14px}.step-layout{grid-template-columns:1fr;gap:24px}.step-aside{position:static;padding:22px 0 0;margin-top:0}.step-aside .eyebrow{font-size:10px}.form-card{padding:25px 20px}.form-card h2{font-size:27px}.step-tabs{gap:8px;margin-bottom:20px}.step-tabs li{font-size:11px;padding-top:8px}.field-grid{grid-template-columns:1fr;gap:0}.form-field input,.form-field select{font-size:18px}.form-actions{gap:12px}.form-actions .button{padding:13px 17px}.plan-toolbar{gap:10px}.plan-toolbar .button{font-size:14px;padding:12px 15px}.plan-toolbar .text-link{font-size:13px}.plan-jumps{gap:0 20px}.plan-jumps a{font-size:12px}.status-bar{padding:22px 20px;margin:25px 0}.status-bar h2{font-size:25px}.result-grid{grid-template-columns:1fr;gap:0;margin:25px 0}.result-card{padding:25px;border-right:0;border-bottom:1px solid var(--line)}.result-card:last-child{border-bottom:0}.result-card .value{font-size:39px}.result-card .badge{margin-bottom:18px}.result-card h3{margin-bottom:16px}.panel{padding:25px 20px;margin-top:25px;scroll-margin-top:95px}.panel h2{font-size:28px}.panel-head{display:block}.compare-summary{grid-template-columns:1fr}.compare-box{padding:23px 18px}.calculator-layout{grid-template-columns:1fr;gap:25px}.sticky-result{position:static}.numbers-list>div{font-size:14px;gap:16px}.numbers-list .total{font-size:16px}.numbers-list dt{max-width:65%}.button-row .button{flex-grow:1}.form-actions .button{flex-grow:0}.rule-table{font-size:14px}.rule-table td,.rule-table th{padding:10px 7px}.eyebrow{font-size:11px}.notice{padding:18px;font-size:15px}.filter-row{gap:8px}.chip{font-size:13px;padding:9px 15px}.result-box{padding:25px 22px}.result-box .big{font-size:43px}}
@media(max-width:370px){.wrap{width:calc(100% - 32px)}.opening h1{font-size:43px}.brand{font-size:22px}.brand-arrow{font-size:29px}.menu-button{font-size:13px}.edition{font-size:9px}.edition span:last-child{max-width:120px}.worked-intro h2{font-size:43px}.worked-example{padding:20px 13px}.comparison-table th,.comparison-table td{font-size:12px;padding:14px 5px}.comparison-table thead th{font-size:34px}.comparison-table th:first-child{font-size:11px;width:35%}.example-caption{font-size:8px}.worked-example>.text-link{font-size:11px}.directory-row{gap:10px;grid-template-columns:30px 1fr 18px}.directory-mark{font-size:23px}.directory-row h3{font-size:20px}.page-head h1{font-size:35px}.form-card,.panel{padding:23px 16px}.step-tabs{gap:6px}.step-tabs li{font-size:10px}.form-actions{flex-wrap:wrap}.form-actions .button{flex-grow:1}.button{padding:12px 17px}.result-box .big{font-size:37px}.contents{gap:0 15px}.contents a{font-size:11px}.closing-note{grid-template-columns:33px 1fr;gap:13px}.closing-symbol{font-size:50px}.closing-note h2{font-size:29px}.section-label{font-size:8px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{transition:none!important;animation:none!important}}
@media print{body{font:11pt/1.5 Arial,sans-serif;background:white;color:#111}.site-header,.site-footer,.no-print,.toast,.skip,.plan-toolbar,.plan-jumps,.button,.text-link,.compare-form,.save-panel,.step-tabs{display:none!important}.wrap{width:100%;max-width:none}.page-head{padding:0}.page-head h1{font-size:25pt}.panel{padding:12pt;margin-top:12pt;border:1px solid #bbb;break-inside:avoid}.result-grid{display:block;border:0}.result-card{display:inline-block;vertical-align:top;width:32%;padding:10pt;background:white!important;color:#111!important;border:1px solid #bbb}.result-card p,.result-card.dark p{color:#333!important}.result-card .value{font-size:20pt}.badge{background:white!important;color:#111!important}.result-box{background:white;color:#111;border:1px solid #aaa}.result-box p{color:#333}.print-only{display:block}.notice{background:white!important;border:1px solid #aaa}.compare-summary{display:block}.compare-box{display:inline-block;width:48%;vertical-align:top;background:white!important}.check-row input{display:none}.check-row{font-size:10pt;min-height:0;padding:3pt 0}.check-done:before{content:'Completed: '}.article-grid{display:block}.article-sidebar{display:none}.page-head .deck{font-size:12pt}a{text-decoration:none}.source-note a{font-size:9pt}.source-note a:after{content:' (' attr(href) ')';font-size:8pt;overflow-wrap:anywhere}}

.result-box [tabindex]:focus-visible{outline-color:var(--yellow)}
/* Income-and-budget-first journey */
.aff-budget-live{border-left:3px solid var(--blue);background:var(--sage);padding:17px 20px;margin:5px 0 25px;font-size:16px;font-weight:500}.aff-review{padding:0;border:0}.aff-intro{border-top:3px solid var(--blue);padding-top:24px}.aff-limits{border-top:1px solid var(--line);margin:28px 0}.aff-limit{display:grid;grid-template-columns:1fr auto;gap:25px;padding:23px 0;border-bottom:1px solid var(--line)}.aff-limit strong{font-size:18px}.aff-limit p{font-size:14px;line-height:1.55;color:var(--muted);margin-top:8px}.aff-limit>span{font:600 27px/1.3 Archivo,Arial,sans-serif;letter-spacing:-.035em}.aff-limit:last-child{border-bottom:2px solid var(--blue)}.aff-limit:last-child>span{color:var(--blue)}.aff-options{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin:28px 0}.aff-price-option{border:1px solid var(--line);padding:24px;display:flex;flex-direction:column;align-items:start}.aff-price-option:last-child{background:var(--sage);border-color:var(--blue)}.aff-price-option h3{font-size:30px}.aff-price-option p{font-size:15px}.aff-price-option .button{font-size:14px;margin-top:auto}.aff-checks ul{padding-left:22px;font-size:15px}.aff-checks li{margin-bottom:12px}.aff-specific{margin-top:35px;border-top:1px solid var(--line);padding-top:30px}.aff-verdict{padding:28px;background:var(--sage);border-left:4px solid var(--blue);margin:30px 0}.aff-verdict h2{font-size:31px;max-width:800px}.aff-verdict p{max-width:850px}.aff-verdict-warning{background:var(--warm);border-color:var(--amber)}.aff-verdict .numbers-list{max-width:780px}.aff-verdict+.status-bar{display:none}@media(max-width:780px){.aff-limit{gap:16px;grid-template-columns:1fr}.aff-limit>span{font-size:30px}.aff-options{grid-template-columns:1fr}.aff-price-option{padding:23px 20px}.aff-verdict{padding:24px 20px}.aff-verdict h2{font-size:27px}.aff-verdict .numbers-list>div{display:block}.aff-verdict .numbers-list dt{max-width:none}.aff-verdict .numbers-list dd{text-align:left;font-size:22px;margin-top:6px}.aff-review .form-actions{flex-wrap:wrap}.aff-review .form-actions .button{width:100%}}