@font-face {
  font-family: 'Fraunces';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url(type-00.ttf) format('truetype');
}
@font-face {
  font-family: 'Fraunces';
  font-style: normal;
  font-weight: 600;
  font-display: swap;
  src: url(type-01.ttf) format('truetype');
}
@font-face {
  font-family: 'Manrope';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url(type-02.ttf) format('truetype');
}
@font-face {
  font-family: 'Manrope';
  font-style: normal;
  font-weight: 500;
  font-display: swap;
  src: url(type-03.ttf) format('truetype');
}
@font-face {
  font-family: 'Manrope';
  font-style: normal;
  font-weight: 600;
  font-display: swap;
  src: url(type-04.ttf) format('truetype');
}
@font-face {
  font-family: 'Manrope';
  font-style: normal;
  font-weight: 700;
  font-display: swap;
  src: url(type-05.ttf) format('truetype');
}

:root{--paper:#f7f5ee;--ink:#16392d;--muted:#52655a;--line:#ccd2c5;--terra:#b4492e;--yellow:#e5be64;--pale:#e4e8d8;--white:#fffef8;--serif:'Fraunces',Georgia,serif;--sans:'Manrope',sans-serif}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:28px}body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--sans);font-size:16px;line-height:1.65}a{color:inherit;text-underline-offset:4px}a:hover{color:var(--terra)}button,input,select{font:inherit}button,a,input,select{touch-action:manipulation}button{cursor:pointer}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible{outline:3px solid var(--terra);outline-offset:4px}img,svg{max-width:100%;height:auto}[hidden]{display:none!important}.wrap{width:min(1200px,calc(100% - 64px));margin:auto}.skip{position:absolute;top:-100px;left:16px;z-index:50;background:white;padding:12px}.skip:focus{top:8px}.site-header{border-bottom:1px solid var(--line)}.header-inner{min-height:102px;display:flex;align-items:center;justify-content:space-between;gap:30px}.brand{display:flex;gap:12px;align-items:center;text-decoration:none}.brand svg{width:36px}.brand-text{font:600 28px/1 var(--serif);letter-spacing:-1px}.brand-text span{display:block;font:600 9px/1.7 var(--sans);letter-spacing:2px;text-transform:uppercase;margin-top:8px}.navigation{display:flex;gap:30px;align-items:center;font-size:13px;font-weight:700}.navigation a{text-decoration:none}.nav-tool{border-bottom:1px solid var(--ink);padding-bottom:6px}.menu-button{display:none;border:1px solid var(--line);background:transparent;padding:8px 12px}.eyebrow{text-transform:uppercase;letter-spacing:2px;font-size:10px;font-weight:700;margin:0 0 20px;display:flex;align-items:center;gap:10px}.eyebrow:before{content:'';width:7px;height:7px;background:var(--terra);border-radius:50%;flex:none}h1,h2,h3{font-family:var(--serif);font-weight:400;line-height:1.12;letter-spacing:-.04em;margin:0}h1{font-size:clamp(40px,5.8vw,76px)}h2{font-size:clamp(30px,3.4vw,44px)}h3{font-size:26px}p{margin:0 0 20px}.hero{padding:64px 0 54px;display:grid;grid-template-columns:1.08fr 1fr;gap:60px;align-items:center}.hero h1 em{font-style:normal;color:var(--terra)}.hero-copy>p:not(.eyebrow){max-width:450px;margin:26px 0;font-size:17px;color:var(--muted)}.button{display:inline-flex;align-items:center;justify-content:space-between;gap:24px;background:var(--ink);color:var(--white);padding:15px 20px;border:1px solid var(--ink);text-decoration:none;font-size:12px;font-weight:700;line-height:1.5}.button:hover{background:var(--terra);border-color:var(--terra);color:white}.button.secondary{background:transparent;color:var(--ink)}.button.secondary:hover{background:var(--pale)}.hero-art{position:relative;background:var(--pale);min-height:480px;overflow:hidden}.hero-art>svg{width:100%;display:block}.art-caption{display:flex;justify-content:space-between;gap:20px;padding:0 24px 22px;font-size:10px;letter-spacing:.08em;text-transform:uppercase}.hero-actions{display:flex;gap:14px;flex-wrap:wrap}.mini-note{font-size:10px!important;letter-spacing:.06em;text-transform:uppercase;margin-top:23px!important}.section{padding:60px 0;border-top:1px solid var(--line)}.section-heading{display:flex;justify-content:space-between;gap:35px;align-items:end;margin-bottom:30px}.section-heading p{max-width:360px;font-size:14px;margin:0;color:var(--muted)}.tools-grid{display:grid;grid-template-columns:repeat(4,1fr);border:1px solid var(--line)}.tool-card{padding:28px 25px;position:relative;text-decoration:none;border-right:1px solid var(--line);transition:background .2s}.tool-card:last-child{border:0}.tool-card:hover{background:var(--pale);color:var(--ink)}.tool-no{font-size:10px;letter-spacing:.13em;display:flex;justify-content:space-between;margin-bottom:42px;color:var(--muted)}.tool-card h3{font-size:25px;margin-bottom:15px}.tool-card p{font-size:12px;color:var(--muted);margin:0}.guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:30px}.guide-card{text-decoration:none;border-top:1px solid var(--ink);padding-top:17px;display:block}.guide-card .tag{font-size:9px;font-weight:700;letter-spacing:.11em;text-transform:uppercase;color:var(--terra);display:block;margin-bottom:25px}.guide-card h3{font-size:28px;margin-bottom:16px}.guide-card p{font-size:13px;color:var(--muted);margin-bottom:20px}.guide-card .read{font-size:11px;font-weight:700}.feature{background:var(--ink);color:var(--white);padding:48px;display:grid;grid-template-columns:1.1fr 1fr;gap:60px}.feature p{font-size:14px;color:#d7dfd1;margin-top:22px}.feature .button{background:var(--yellow);border-color:var(--yellow);color:var(--ink)}.feature .eyebrow:before{background:var(--yellow)}.steps{list-style:none;padding:0;margin:0;counter-reset:step}.steps li{counter-increment:step;display:flex;align-items:start;gap:18px;padding:17px 0;border-bottom:1px solid #526456;font-size:14px}.steps li:before{content:'0' counter(step);font-size:10px;color:var(--yellow);margin-top:5px}.principles{display:grid;grid-template-columns:repeat(3,1fr);gap:40px}.principles h3{font-size:24px;margin-bottom:14px}.principles p{font-size:12px;color:var(--muted)}.site-footer{margin-top:60px;border-top:1px solid var(--line);padding:36px 0 26px}.footer-main{display:flex;justify-content:space-between;gap:40px}.footer-main p{font-size:12px;color:var(--muted);max-width:340px;margin-top:20px}.footer-links{display:flex;gap:20px;flex-wrap:wrap;max-width:540px;align-content:start;font-size:11px}.footer-bottom{border-top:1px solid var(--line);padding-top:20px;display:flex;justify-content:space-between;font-size:10px;color:var(--muted);margin-top:24px}.crumbs{font-size:10px;color:var(--muted);padding:24px 0}.article-head{max-width:900px;margin:24px 0 38px}.article-head h1{font-size:clamp(38px,5.1vw,64px)}.deck{font-size:19px;color:var(--muted);max-width:760px;margin:24px 0}.byline{font-size:10px;letter-spacing:.03em;color:var(--muted);border-top:1px solid var(--line);padding-top:15px}.article-layout{display:grid;grid-template-columns:220px minmax(0,740px);gap:68px;align-items:start;margin-top:44px}.toc{font-size:11px;position:sticky;top:30px}.toc strong{font-size:10px;text-transform:uppercase;letter-spacing:.1em;display:block;margin-bottom:20px}.toc a{display:block;padding:9px 0;text-decoration:none;border-bottom:1px solid var(--line)}.article-body{font-size:15px;line-height:1.85;min-width:0}.article-body h2{font-size:31px;margin:42px 0 20px}.article-body h3{font-size:24px;margin:30px 0 16px}.article-body ul,.article-body ol{padding-left:23px}.article-body li{padding:5px 0}.answer{border-left:4px solid var(--terra);padding:23px 28px;background:var(--pale);margin-bottom:32px}.answer p:last-child{margin:0}.callout{padding:20px 24px;border:1px solid var(--line);margin:24px 0;font-size:14px}.formula{font:500 17px/1.7 var(--sans);background:var(--ink);color:white;padding:22px 26px;margin:22px 0;overflow-wrap:anywhere}.table-wrap{overflow:auto;margin:25px 0}table{border-collapse:collapse;width:100%;font-size:12px}th,td{text-align:left;vertical-align:top;padding:13px 15px;border-bottom:1px solid var(--line)}th{background:var(--pale);font-weight:700}.sources{margin-top:44px;padding-top:20px;border-top:1px solid var(--line);font-size:11px;color:var(--muted)}.sources h2{font-family:var(--sans);font-size:11px;text-transform:uppercase;letter-spacing:1px;margin:0 0 10px}.sources a{overflow-wrap:anywhere}.related{margin-top:56px;border-top:1px solid var(--line);padding-top:32px}.related h2{margin-bottom:20px}.related a{display:block;margin-bottom:12px}.tool-layout{display:grid;grid-template-columns:minmax(0,750px) minmax(220px,1fr);gap:40px;align-items:start}.calculator{background:var(--white);border:1px solid var(--line);padding:34px}.calculator h2{font-size:28px;margin-bottom:25px}.field-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-bottom:22px}.calculator label{font-size:11px;font-weight:700;display:block}.calculator label>small{display:block;color:var(--muted);font-size:10px;font-weight:400;margin-top:5px}input,select{border:1px solid #9aa89b;border-radius:0;background:var(--white);color:var(--ink);padding:12px;width:100%;margin-top:7px;min-height:46px}fieldset{margin:0 0 24px;padding:20px;border:1px solid var(--line)}legend{font-size:11px;font-weight:700;padding:0 8px}.flow-row{display:grid;grid-template-columns:1fr 1fr 30px;gap:12px;margin-bottom:15px;align-items:end}.remove-group{height:44px;border:0;background:none;font-size:22px;color:var(--terra)}.text-button{border:0;border-bottom:1px solid var(--ink);padding:6px 0;background:transparent;font-size:11px;font-weight:700}.result{background:var(--pale);padding:30px;margin-top:24px}.result h2{font-size:34px;margin-bottom:20px}.result-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:25px}.result-grid strong{font:400 36px var(--serif);display:block}.result-grid span{font-size:11px}.result p{font-size:13px}.small{font-size:11px!important;color:var(--muted)}.error{color:#892d1c}.tool-aside{border-top:3px solid var(--terra);padding-top:24px}.tool-aside h2{font-size:26px;margin-bottom:16px}.tool-aside p,.tool-aside li{font-size:13px}.tool-aside ol{padding-left:20px}.tool-explanation{max-width:760px;margin:60px 0}.search-label{font-size:12px}.search-box{max-width:520px;margin:30px 0}.search-status{font-size:11px;color:var(--muted)}.collection-header{padding:38px 0}.collection-header h1{font-size:60px}.collection-header p{max-width:650px;margin-top:20px;color:var(--muted)}.checklist{list-style:none;padding:0!important}.checklist li{padding:14px 0 14px 35px;border-bottom:1px solid var(--line);position:relative}.checklist li:before{content:'';position:absolute;left:0;top:19px;width:14px;height:14px;border:1px solid var(--ink)}.record-table td{height:48px}.legal-note{background:#f0dfbf;padding:14px;font-size:12px}
@media(max-width:1050px){.hero{gap:30px}.hero-art{min-height:0}.navigation{gap:17px}.article-layout{grid-template-columns:180px minmax(0,1fr);gap:38px}.tool-layout{grid-template-columns:1fr}.tool-aside{max-width:760px}.tool-card{padding:23px 18px}.tool-card h3{font-size:22px}.feature{gap:30px}}
@media(max-width:760px){.wrap{width:calc(100% - 36px)}.header-inner{min-height:80px;flex-wrap:wrap;gap:0;padding:18px 0}.brand-text{font-size:24px}.brand svg{width:28px}.menu-button{display:block}.navigation{display:none;width:100%;padding-top:24px;gap:20px;flex-wrap:wrap}.navigation.open{display:flex}.hero{grid-template-columns:1fr;padding:38px 0;gap:36px}.hero h1{font-size:51px;max-width:540px}.hero-copy>p:not(.eyebrow){font-size:15px}.hero-art{max-width:540px;width:100%}.section{padding:38px 0}.section-heading{display:block}.section-heading p{margin-top:18px}.tools-grid{grid-template-columns:1fr 1fr}.tool-card{border-bottom:1px solid var(--line)}.tool-card:nth-child(2){border-right:0}.tool-card:nth-child(3){border-bottom:0}.tool-no{margin-bottom:28px}.guide-grid{grid-template-columns:1fr 1fr;gap:28px 20px}.guide-card h3{font-size:24px}.feature{grid-template-columns:1fr;padding:28px;gap:25px}.principles{grid-template-columns:1fr;gap:16px}.footer-main{display:block}.footer-links{margin-top:25px;gap:15px}.footer-bottom{display:block}.footer-bottom span{display:block;margin-bottom:8px}.article-layout{display:block;margin-top:25px}.toc{position:static;margin-bottom:32px;padding:20px;border:1px solid var(--line)}.toc strong{margin-bottom:10px}.article-head{margin-top:15px}.article-head h1{font-size:42px}.deck{font-size:17px}.article-body{font-size:14px}.calculator{padding:22px 18px}.field-grid{gap:16px}.flow-row{grid-template-columns:1fr 1fr 20px;gap:8px}.collection-header h1{font-size:44px}.answer{padding:18px 20px}.result{padding:23px 18px}.result-grid strong{font-size:30px}.result h2{font-size:30px}.art-caption{font-size:8px}.button{padding:14px 16px}.tool-card h3{font-size:23px}}
@media(max-width:430px){.hero h1{font-size:44px}.guide-grid{grid-template-columns:1fr}.field-grid{grid-template-columns:1fr}.brand-text span{font-size:8px}.calculator fieldset{padding:14px 10px}.hero-actions{display:grid}.article-head h1{font-size:37px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}
@media print{body{background:white;font:11pt/1.5 Georgia,serif}.site-header,.site-footer,.toc,.related,.button,.crumbs,.byline,.calculator,.tool-aside{display:none}.wrap{width:100%;max-width:none}.article-layout{display:block}.article-head h1{font-size:28pt}.article-body h2{font-size:18pt}.answer{border:1px solid #999;background:none}.sources{font-size:8pt}a{color:black;text-decoration:none}table{font-size:9pt}tr{break-inside:avoid}.article-head{margin:0 0 20px}h2,h3{break-after:avoid}}
.cookie-panel{position:fixed;z-index:100;inset:auto 20px 20px;max-width:1000px;margin:auto;background:#fffdf7;color:#16392d;border:2px solid #16392d;box-shadow:0 8px 40px #16392d33;padding:24px;display:grid;grid-template-columns:1fr 200px;gap:24px;max-height:80vh;overflow:auto}.cookie-panel[hidden]{display:none}.cookie-panel h2{font-size:26px;margin:0 0 10px}.cookie-panel p{font-size:14px;line-height:1.55;margin:8px 0}.cookie-panel a{text-decoration:underline}.cookie-actions{display:flex;flex-direction:column;justify-content:center;gap:12px}.cookie-actions button{font:600 14px Manrope,sans-serif;border:1px solid #16392d;background:#16392d;color:#fffdf7;padding:14px 12px;cursor:pointer;min-height:48px}.cookie-actions button:hover{background:#365b42}.cookie-settings{border:0;background:none;color:inherit;text-decoration:underline;font:inherit;cursor:pointer;padding:0}.cookie-panel :focus-visible,.cookie-settings:focus-visible{outline:3px solid #b4492e;outline-offset:4px}@media(max-width:620px){.cookie-panel{inset:auto 10px 10px;grid-template-columns:1fr;padding:18px;gap:10px;max-height:76vh}.cookie-actions{display:grid;grid-template-columns:1fr 1fr}.cookie-panel h2{font-size:23px}}
.commerce-section{margin:38px 0;padding-top:28px;border-top:2px solid #16392d}.commerce-section>.eyebrow{color:#8c3b27}.affiliate-disclosure{padding:14px 18px;background:#f3eddc;border-left:3px solid #b4492e;font-size:14px!important}.merchant-list{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:16px;margin:22px 0}.merchant-card{border:1px solid var(--line);padding:22px;background:#f4f1e7;display:flex;flex-direction:column;min-width:0}.merchant-card h3{margin:0 0 12px;font-size:25px}.merchant-card p{font-size:14px;flex-grow:1}.merchant-card .button{white-space:normal;text-align:left;line-height:1.5;font-size:13px;max-width:100%;gap:10px;margin-top:10px}.merchant-card .button span{margin-left:auto}@media(max-width:600px){.merchant-list{grid-template-columns:1fr}.merchant-card{padding:19px}}

.preview-banner{background:#e5be64;color:#16392d;text-align:center;padding:8px 16px;font-size:12px}.info-prose{max-width:760px;margin:auto}.info-prose h2{margin-top:35px}.search-box{max-width:600px;margin:0 0 45px}.search-box label{display:block;font-weight:700;font-size:13px}.search-box input{width:100%;padding:14px;border:1px solid var(--line);background:var(--white);margin-top:9px}.page-head .breadcrumbs{margin-bottom:25px}