:root{--paper:#f6f1e7;--paper-2:#eee6d6;--card:#fbf8f2;--ink:#17202b;--ink-2:#3d4756;--ink-3:#6a7280;--rule:#d5c9b2;--rule-strong:#17202b;--accent:#a4472c;--accent-dark:#833620;--ledger:#24503f;--ledger-soft:#dfe8e0;--amber-soft:#f3e3c4;--red-soft:#f2d9d0;--night:#1b2838;--serif:Charter,"Bitstream Charter","Sitka Text",Cambria,Georgia,"Times New Roman",serif;--display:"Iowan Old Style","Palatino Linotype",Palatino,"Book Antiqua",Georgia,serif;--sans:ui-sans-serif,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;--mono:ui-monospace,"SF Mono",Consolas,"Liberation Mono",monospace;--wrap:1160px;--radius:2px}*,:after,:before{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--serif);font-size:18px;line-height:1.65;text-rendering:optimizeLegibility}a{color:var(--accent-dark);text-decoration-thickness:1px;text-underline-offset:3px}a:hover{color:var(--accent)}h1,h2,h3,h4{font-family:var(--display);font-weight:600;line-height:1.18;letter-spacing:-.01em;color:var(--ink);margin:0 0 .5em}h1{font-size:clamp(2.1rem,4.4vw,3.4rem)}h2{font-size:clamp(1.55rem,2.6vw,2.1rem)}h3{font-size:1.25rem}p{margin:0 0 1em}.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}.skip{position:absolute;left:-9999px}.skip:focus{left:16px;top:16px;background:var(--ink);color:var(--paper);padding:8px 12px;z-index:10}.masthead{border-bottom:3px double var(--rule-strong);background:var(--paper)}.masthead-top{border-bottom:1px solid var(--rule);font-family:var(--sans);font-size:12px;letter-spacing:.08em;text-transform:uppercase;color:var(--ink-3)}.masthead-top-inner{gap:16px;padding-top:7px;padding-bottom:7px}.masthead-main,.masthead-top-inner{display:flex;justify-content:space-between}.masthead-main{align-items:center;gap:24px;padding-top:18px;padding-bottom:18px;flex-wrap:wrap}.brand{color:var(--ink);display:inline-flex}.brand-logo{width:208px;height:39px;display:block}.nav{display:flex;align-items:center;gap:22px;flex-wrap:wrap;font-family:var(--sans);font-size:15px}.nav a:not(.btn){color:var(--ink);text-decoration:none}.nav a:not(.btn):hover{color:var(--accent);text-decoration:underline}.btn{display:inline-block;font-family:var(--sans);font-weight:600;font-size:16px;background:var(--accent);color:#fff;border:1px solid var(--accent-dark);padding:13px 22px;border-radius:var(--radius);text-decoration:none;cursor:pointer;transition:background .15s ease}.btn:hover{background:var(--accent-dark);color:#fff}.btn:disabled{opacity:.5;cursor:not-allowed}.btn-small{padding:8px 14px;font-size:14px}.btn-ghost{background:transparent;color:var(--ink);border-color:var(--ink)}.btn-ghost:hover{background:var(--ink);color:var(--paper)}.btn-light{background:var(--paper);color:var(--ink);border-color:var(--paper)}.btn-light:hover{background:#fff;color:var(--ink)}.link-light{color:#e8dcc6;font-family:var(--sans);font-size:15px}.link-light:hover{color:#fff}.kicker{font-family:var(--sans);font-size:12px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--accent);margin:0 0 10px}.lede{font-size:1.22rem;color:var(--ink-2);max-width:46em}.section{padding:72px 0}.section-tight{padding:48px 0}.section-alt{background:var(--paper-2);border-top:1px solid var(--rule);border-bottom:1px solid var(--rule)}.section-head{max-width:760px;margin-bottom:36px}.section-head p{color:var(--ink-2)}.rule-title{display:flex;align-items:center;gap:16px}.rule-title:after{content:"";flex:1;height:1px;background:var(--rule)}.grid-2,.grid-3,.grid-4{display:grid;gap:28px}.grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}.grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}.grid-4{grid-template-columns:repeat(4,minmax(0,1fr))}.card{background:var(--card);border:1px solid var(--rule);border-top:3px solid var(--ink);padding:24px}.card h3{margin-bottom:8px}.card p{color:var(--ink-2);font-size:16.5px}.card-link{display:block;text-decoration:none;color:inherit;transition:border-color .15s ease,transform .15s ease}.card-link:hover{border-top-color:var(--accent);color:inherit}.card-link .more{font-family:var(--sans);font-size:14px;font-weight:600;color:var(--accent-dark)}.num{font-family:var(--display);font-size:2.2rem;color:var(--accent);line-height:1;display:block;margin-bottom:10px}.hero{padding:64px 0 56px;border-bottom:1px solid var(--rule)}.hero-grid{display:grid;grid-template-columns:1.15fr 1fr;gap:56px;align-items:center}.hero h1{font-size:clamp(2.3rem,5vw,3.9rem)}.hero h1 em{color:var(--accent);font-style:italic}.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:26px}.hero-note{font-family:var(--sans);font-size:13px;color:var(--ink-3);margin-top:18px}.hero-figure{background:var(--card);border:1px solid var(--rule);padding:22px 22px 14px}.hero-figure svg{width:100%;height:auto;display:block}.figcap{font-family:var(--sans);font-size:12.5px;color:var(--ink-3);border-top:1px solid var(--rule);padding-top:10px;margin-top:12px}.page-head{padding:36px 0 40px;border-bottom:1px solid var(--rule)}.crumbs ol{list-style:none;padding:0;margin:0 0 22px;display:flex;flex-wrap:wrap;gap:6px;font-family:var(--sans);font-size:13px;color:var(--ink-3)}.crumbs li+li:before{content:"/";margin-right:6px;color:var(--rule)}.crumbs a{color:var(--ink-3)}.layout-article{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:56px;padding:48px 0 72px}.prose{max-width:720px}.prose h2{margin-top:1.8em;padding-top:.6em;border-top:1px solid var(--rule)}.prose h3{margin-top:1.4em}.prose ol,.prose ul{padding-left:1.3em}.prose li{margin-bottom:.45em}.quick{background:var(--card);border:1px solid var(--rule);border-left:4px solid var(--accent);padding:20px 24px;margin:0 0 32px}.quick p:last-child{margin-bottom:0}.quick .kicker{margin-bottom:6px}.callout{background:var(--ledger-soft);border:1px solid #b9cdbf;padding:18px 22px;margin:28px 0;font-size:16.5px}.aside-box{position:sticky;top:24px;background:var(--card);border:1px solid var(--rule);border-top:3px solid var(--accent);padding:22px}.aside-box h2{font-size:1.2rem}.aside-box li,.aside-box p{font-size:15.5px;color:var(--ink-2)}.aside-box ul{padding-left:1.1em}.meta{font-family:var(--sans);font-size:13px;color:var(--ink-3);margin-top:12px}.factor-table{width:100%;border-collapse:collapse;font-size:16px;margin:18px 0 28px}.factor-table td,.factor-table th{text-align:left;border-bottom:1px solid var(--rule);padding:12px 10px;vertical-align:top}.factor-table thead th{font-family:var(--sans);font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--ink-3);border-bottom:2px solid var(--ink)}.dir-better{color:var(--ledger);font-weight:600}.dir-worse{color:var(--accent-dark);font-weight:600}.faq-list details{border-bottom:1px solid var(--rule);padding:16px 0}.faq-list summary{cursor:pointer;font-family:var(--display);font-size:1.15rem;font-weight:600;list-style:none;display:flex;justify-content:space-between;gap:16px}.faq-list summary::-webkit-details-marker{display:none}.faq-list summary:after{content:"+";font-family:var(--sans);color:var(--accent);font-weight:400;font-size:1.4rem;line-height:1}.faq-list details[open] summary:after{content:"–"}.faq-list details p{margin:12px 0 0;color:var(--ink-2)}.cta-band{background:var(--night);color:#f3ecdf;padding:56px 0}.cta-band h2{color:#fff}.cta-band p{color:#d7ccb8;max-width:40em;margin:0}.cta-inner{display:flex;justify-content:space-between;align-items:center;gap:32px;flex-wrap:wrap}.cta-actions{display:flex;flex-direction:column;gap:12px;align-items:flex-start}.form-shell{background:var(--card);border:1px solid var(--rule);border-top:3px solid var(--ink);padding:28px}.lead-form{font-family:var(--sans);font-size:15px;display:grid;gap:16px}.calc label,.lead-form label{display:flex;flex-direction:column;gap:6px;font-weight:600;color:var(--ink)}.field-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}input,select,textarea{font:inherit;font-weight:400;font-size:16px;color:var(--ink);background:#fff;border:1px solid #bdb19a;border-radius:var(--radius);padding:11px 12px;width:100%;min-height:46px}input:focus,select:focus,textarea:focus{outline:2px solid var(--accent);outline-offset:1px;border-color:var(--accent)}input::placeholder,textarea::placeholder{color:#9a9384}.help{font-weight:400;font-size:13px;color:var(--ink-3)}.lead-form .consent{flex-direction:row;align-items:flex-start;gap:10px;font-weight:400;font-size:13.5px;color:var(--ink-2);line-height:1.5}.check input,.consent input{width:18px;height:18px;min-height:0;margin-top:2px;flex:none;accent-color:var(--accent)}.form-block{background:var(--red-soft);border:1px solid #d9a898;color:#5e2414;padding:12px 14px;margin:0}.form-error{color:#8a2a12;font-weight:600;margin:0}.form-done{background:var(--ledger-soft);border:1px solid #b9cdbf;padding:24px}.fine{font-family:var(--sans);font-size:12.5px;color:var(--ink-3);margin:0}.hp{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}.calc{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:32px;align-items:start}.calc-inputs{font-family:var(--sans);font-size:15px;display:grid;gap:18px}.calc 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ul{list-style:none;margin:0;padding:0}.footer li{margin-bottom:6px}.footer a{color:var(--ink);text-decoration:none}.footer a:hover{color:var(--accent);text-decoration:underline}.footer-legal{margin-top:36px;padding-top:22px;border-top:1px solid var(--rule);color:var(--ink-2);font-size:13px;line-height:1.6}.footer-legal p{margin-bottom:8px}.license-box{background:var(--card);border:1px solid var(--rule);border-left:4px solid var(--ink);padding:20px 24px;margin:24px 0;font-size:16px}.notfound{padding:96px 0;text-align:left}@media (max-width:980px){.calc,.hero-grid,.layout-article{grid-template-columns:1fr}.grid-3,.grid-4{grid-template-columns:repeat(2,minmax(0,1fr))}.footer-grid{grid-template-columns:repeat(2,1fr)}.aside-box,.calc-output{position:static}}@media (max-width:640px){body{font-size:17px}.field-row,.grid-2,.grid-3,.grid-4{grid-template-columns:1fr}.masthead-top-right{display:none}.nav{gap:14px;font-size:14px}.section{padding:52px 0}.footer-grid{grid-template-columns:1fr}}