@font-face{font-family:Figtree Variable;font-style:normal;font-display:swap;font-weight:300 900;src:url(/_astro/figtree-latin-ext-wght-normal.DCwSJGxG.woff2)format("woff2-variations");unicode-range:U+100-2BA,U+2BD-2C5,U+2C7-2CC,U+2CE-2D7,U+2DD-2FF,U+304,U+308,U+329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}@font-face{font-family:Figtree Variable;font-style:normal;font-display:swap;font-weight:300 900;src:url(/_astro/figtree-latin-wght-normal.D_ZTVpCC.woff2)format("woff2-variations");unicode-range:U+??,U+131,U+152-153,U+2BB-2BC,U+2C6,U+2DA,U+2DC,U+304,U+308,U+329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}@font-face{font-family:Newsreader Variable;font-style:normal;font-display:swap;font-weight:200 800;src:url(/_astro/newsreader-vietnamese-wght-normal.Czsa-EzN.woff2)format("woff2-variations");unicode-range:U+102-103,U+110-111,U+128-129,U+168-169,U+1A0-1A1,U+1AF-1B0,U+300-301,U+303-304,U+308-309,U+323,U+329,U+1EA0-1EF9,U+20AB}@font-face{font-family:Newsreader Variable;font-style:normal;font-display:swap;font-weight:200 800;src:url(/_astro/newsreader-latin-ext-wght-normal.C-3rgBeH.woff2)format("woff2-variations");unicode-range:U+100-2BA,U+2BD-2C5,U+2C7-2CC,U+2CE-2D7,U+2DD-2FF,U+304,U+308,U+329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}@font-face{font-family:Newsreader Variable;font-style:normal;font-display:swap;font-weight:200 800;src:url(/_astro/newsreader-latin-wght-normal.CCVVNp6i.woff2)format("woff2-variations");unicode-range:U+??,U+131,U+152-153,U+2BB-2BC,U+2C6,U+2DA,U+2DC,U+304,U+308,U+329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}@layer properties{@supports (((-webkit-hyphens:none)) and (not (margin-trim:inline))) or ((-moz-orient:inline) and (not (color:rgb(from red r g b)))){*,:before,:after,::backdrop{--tw-rotate-x:initial;--tw-rotate-y:initial;--tw-rotate-z:initial;--tw-skew-x:initial;--tw-skew-y:initial;--tw-border-style:solid;--tw-font-weight:initial;--tw-ordinal:initial;--tw-slashed-zero:initial;--tw-numeric-figure:initial;--tw-numeric-spacing:initial;--tw-numeric-fraction:initial;--tw-shadow:0 0 #0000;--tw-shadow-color:initial;--tw-shadow-alpha:100%;--tw-inset-shadow:0 0 #0000;--tw-inset-shadow-color:initial;--tw-inset-shadow-alpha:100%;--tw-ring-color:initial;--tw-ring-shadow:0 0 #0000;--tw-inset-ring-color:initial;--tw-inset-ring-shadow:0 0 #0000;--tw-ring-inset:initial;--tw-ring-offset-width:0px;--tw-ring-offset-color:#fff;--tw-ring-offset-shadow:0 0 #0000;--tw-outline-style:solid;--tw-blur:initial;--tw-brightness:initial;--tw-contrast:initial;--tw-grayscale:initial;--tw-hue-rotate:initial;--tw-invert:initial;--tw-opacity:initial;--tw-saturate:initial;--tw-sepia:initial;--tw-drop-shadow:initial;--tw-drop-shadow-color:initial;--tw-drop-shadow-alpha:100%;--tw-drop-shadow-size:initial;--tw-duration:initial;--tw-ease:initial}}}@layer theme{:root,:host{--font-sans:-apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", "Noto Sans", Arial, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";--font-mono:ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace;--color-white:#fff;--spacing:.25rem;--text-sm:.875rem;--text-sm--line-height:calc(1.25 / .875);--font-weight-bold:700;--radius-sm:.25rem;--radius-md:.375rem;--ease-in:cubic-bezier(.4, 0, 1, 1);--ease-out:cubic-bezier(0, 0, .2, 1);--default-transition-duration:.15s;--default-transition-timing-function:cubic-bezier(.4, 0, .2, 1);--default-font-family:var(--font-sans);--default-mono-font-family:var(--font-mono)}}@layer base{*,:after,:before,::backdrop{box-sizing:border-box;border:0 solid;margin:0;padding:0}::file-selector-button{box-sizing:border-box;border:0 solid;margin:0;padding:0}html,:host{-webkit-text-size-adjust:100%;tab-size:4;line-height:1.5;font-family:var(--default-font-family,-apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", "Noto Sans", Arial, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji");font-feature-settings:var(--default-font-feature-settings,normal);font-variation-settings:var(--default-font-variation-settings,normal);-webkit-tap-highlight-color:transparent}hr{height:0;color:inherit;border-top-width:1px}abbr:where([title]){text-decoration:underline dotted}h1,h2,h3,h4,h5,h6{font-size:inherit;font-weight:inherit}a{color:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;text-decoration:inherit}b,strong{font-weight:bolder}code,kbd,samp,pre{font-family:var(--default-mono-font-family,ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace);font-feature-settings:var(--default-mono-font-feature-settings,normal);font-variation-settings:var(--default-mono-font-variation-settings,normal);font-size:1em}small{font-size:80%}sub,sup{vertical-align:baseline;font-size:75%;line-height:0;position:relative}sub{bottom:-.25em}sup{top:-.5em}table{text-indent:0;border-color:inherit;border-collapse:collapse}:-moz-focusring:where(:not(iframe)){outline:auto}progress{vertical-align:baseline}summary{display:list-item}ol,ul,menu{list-style:none}img,svg,video,canvas,audio,iframe,embed,object{vertical-align:middle;display:block}img,video{max-width:100%;height:auto}button,input,select,optgroup,textarea{font:inherit;font-feature-settings:inherit;font-variation-settings:inherit;letter-spacing:inherit;color:inherit;opacity:1;background-color:#0000;border-radius:0}::file-selector-button{font:inherit;font-feature-settings:inherit;font-variation-settings:inherit;letter-spacing:inherit;color:inherit;opacity:1;background-color:#0000;border-radius:0}:where(select:is([multiple],[size])) optgroup{font-weight:bolder}:where(select:is([multiple],[size])) optgroup option{padding-inline-start:20px}::file-selector-button{margin-inline-end:4px}::placeholder{opacity:1}@supports (not ((-webkit-appearance:-apple-pay-button))) or (contain-intrinsic-size:1px){::placeholder{color:currentColor}@supports (color:color-mix(in lab, red, red)){::placeholder{color:color-mix(in oklab, currentcolor 50%, transparent)}}}textarea{resize:vertical}::-webkit-search-decoration{-webkit-appearance:none}::-webkit-date-and-time-value{min-height:1lh;text-align:inherit}::-webkit-datetime-edit{display:inline-flex}::-webkit-datetime-edit-fields-wrapper{padding:0}::-webkit-datetime-edit{padding-block:0}::-webkit-datetime-edit-year-field{padding-block:0}::-webkit-datetime-edit-month-field{padding-block:0}::-webkit-datetime-edit-day-field{padding-block:0}::-webkit-datetime-edit-hour-field{padding-block:0}::-webkit-datetime-edit-minute-field{padding-block:0}::-webkit-datetime-edit-second-field{padding-block:0}::-webkit-datetime-edit-millisecond-field{padding-block:0}::-webkit-datetime-edit-meridiem-field{padding-block:0}::-webkit-calendar-picker-indicator{line-height:1}:-moz-ui-invalid{box-shadow:none}button,input:where([type=button],[type=reset],[type=submit]){appearance:button}::file-selector-button{appearance:button}::-webkit-inner-spin-button{height:auto}::-webkit-outer-spin-button{height:auto}[hidden]:where(:not([hidden=until-found])){display:none!important}}@layer components;@layer utilities{.\@container{container-type:inline-size}.collapse{visibility:collapse}.invisible{visibility:hidden}.visible{visibility:visible}.absolute{position:absolute}.fixed{position:fixed}.relative{position:relative}.static{position:static}.sticky{position:sticky}.isolate{isolation:isolate}.container{width:100%}@media (width>=40rem){.container{max-width:40rem}}@media (width>=48rem){.container{max-width:48rem}}@media (width>=64rem){.container{max-width:64rem}}@media (width>=80rem){.container{max-width:80rem}}@media (width>=96rem){.container{max-width:96rem}}.block{display:block}.contents{display:contents}.flex{display:flex}.grid{display:grid}.hidden{display:none}.inline{display:inline}.table{display:table}.h-6{height:calc(var(--spacing) * 6)}.w-6{width:calc(var(--spacing) * 6)}.shrink{flex-shrink:1}.grow{flex-grow:1}.border-collapse{border-collapse:collapse}.transform{transform:var(--tw-rotate-x,) var(--tw-rotate-y,) var(--tw-rotate-z,) var(--tw-skew-x,) var(--tw-skew-y,)}.resize{resize:both}.flex-wrap{flex-wrap:wrap}.items-center{align-items:center}.gap-4{gap:calc(var(--spacing) * 4)}.gap-8{gap:calc(var(--spacing) * 8)}.gap-12{gap:calc(var(--spacing) * 12)}.truncate{text-overflow:ellipsis;white-space:nowrap;overflow:hidden}.rounded{border-radius:.25rem}.border{border-style:var(--tw-border-style);border-width:1px}.border-b{border-bottom-style:var(--tw-border-style);border-bottom-width:1px}.bg-white{background-color:var(--color-white)}.object-cover{object-fit:cover}.px-6{padding-inline:calc(var(--spacing) * 6)}.py-3{padding-block:calc(var(--spacing) * 3)}.text-sm{font-size:var(--text-sm);line-height:var(--tw-leading,var(--text-sm--line-height))}.font-bold{--tw-font-weight:var(--font-weight-bold);font-weight:var(--font-weight-bold)}.text-wrap{text-wrap:wrap}.uppercase{text-transform:uppercase}.italic{font-style:italic}.tabular-nums{--tw-numeric-spacing:tabular-nums;font-variant-numeric:var(--tw-ordinal,) var(--tw-slashed-zero,) var(--tw-numeric-figure,) var(--tw-numeric-spacing,) var(--tw-numeric-fraction,)}.underline{text-decoration-line:underline}.scheme-only-dark{color-scheme:dark only}.shadow{--tw-shadow:0 1px 3px 0 var(--tw-shadow-color,#0000001a), 0 1px 2px -1px var(--tw-shadow-color,#0000001a);box-shadow:var(--tw-inset-shadow), var(--tw-inset-ring-shadow), var(--tw-ring-offset-shadow), var(--tw-ring-shadow), var(--tw-shadow)}.ring{--tw-ring-shadow:var(--tw-ring-inset,) 0 0 0 calc(1px + var(--tw-ring-offset-width)) var(--tw-ring-color,currentcolor);box-shadow:var(--tw-inset-shadow), var(--tw-inset-ring-shadow), var(--tw-ring-offset-shadow), var(--tw-ring-shadow), var(--tw-shadow)}.outline{outline-style:var(--tw-outline-style);outline-width:1px}.blur{--tw-blur:blur(8px);filter:var(--tw-blur,) var(--tw-brightness,) var(--tw-contrast,) var(--tw-grayscale,) var(--tw-hue-rotate,) var(--tw-invert,) var(--tw-saturate,) var(--tw-sepia,) var(--tw-drop-shadow,)}.grayscale{--tw-grayscale:grayscale(100%);filter:var(--tw-blur,) var(--tw-brightness,) var(--tw-contrast,) var(--tw-grayscale,) var(--tw-hue-rotate,) var(--tw-invert,) var(--tw-saturate,) var(--tw-sepia,) var(--tw-drop-shadow,)}.invert{--tw-invert:invert(100%);filter:var(--tw-blur,) var(--tw-brightness,) var(--tw-contrast,) var(--tw-grayscale,) var(--tw-hue-rotate,) var(--tw-invert,) var(--tw-saturate,) var(--tw-sepia,) var(--tw-drop-shadow,)}.filter{filter:var(--tw-blur,) var(--tw-brightness,) var(--tw-contrast,) var(--tw-grayscale,) var(--tw-hue-rotate,) var(--tw-invert,) var(--tw-saturate,) var(--tw-sepia,) var(--tw-drop-shadow,)}.transition{transition-property:color,background-color,border-color,outline-color,text-decoration-color,fill,stroke,--tw-gradient-from,--tw-gradient-via,--tw-gradient-to,opacity,box-shadow,transform,translate,scale,rotate,filter,backdrop-filter,display,content-visibility,overlay,pointer-events;transition-timing-function:var(--tw-ease,var(--default-transition-timing-function));transition-duration:var(--tw-duration,var(--default-transition-duration))}.transition-colors{transition-property:color,background-color,border-color,outline-color,text-decoration-color,fill,stroke,--tw-gradient-from,--tw-gradient-via,--tw-gradient-to;transition-timing-function:var(--tw-ease,var(--default-transition-timing-function));transition-duration:var(--tw-duration,var(--default-transition-duration))}.transition-opacity{transition-property:opacity;transition-timing-function:var(--tw-ease,var(--default-transition-timing-function));transition-duration:var(--tw-duration,var(--default-transition-duration))}.transition-transform{transition-property:transform,translate,scale,rotate;transition-timing-function:var(--tw-ease,var(--default-transition-timing-function));transition-duration:var(--tw-duration,var(--default-transition-duration))}.duration-150{--tw-duration:.15s;transition-duration:.15s}.duration-200{--tw-duration:.2s;transition-duration:.2s}.duration-300{--tw-duration:.3s;transition-duration:.3s}.duration-500{--tw-duration:.5s;transition-duration:.5s}.ease-\[cubic-bezier\(\.\.\.\)\]{--tw-ease:cubic-bezier(...);transition-timing-function:cubic-bezier(...)}.ease-\[cubic-bezier\(0\.16\,1\,0\.3\,1\)\]{--tw-ease:cubic-bezier(.16,1,.3,1);transition-timing-function:cubic-bezier(.16,1,.3,1)}.ease-in{--tw-ease:var(--ease-in);transition-timing-function:var(--ease-in)}.ease-linear{--tw-ease:linear;transition-timing-function:linear}.ease-out{--tw-ease:var(--ease-out);transition-timing-function:var(--ease-out)}.active\:scale-\[0\.97\]:active{scale:.97}@media (prefers-reduced-motion:reduce){.motion-reduce\:transform-none{transform:none}.motion-reduce\:duration-200{--tw-duration:.2s;transition-duration:.2s}}}:root{--paper:#faf8f3;--surface:#fffefb;--ink:#081a36;--muted-ink:#4e5868;--terracotta:#c44a32;--terracotta-hover:#a93d29;--utility-blue:#075fcb;--utility-blue-dark:#084b9b;--sky-wash:#eaf3ff;--sage-wash:#edf1ea;--rule:#d8d5cd;--rule-strong:#aaa69d;--danger:#b42318;--danger-wash:#fcedea;--success:#17663a;--success-wash:#eaf5ee;--shadow-1:0 1px 2px #081a3614, 0 8px 24px #081a360f;--font-display:"Newsreader Variable", Georgia, serif;--font-sans:"Figtree Variable", "Segoe UI", sans-serif;--container:min(100% - 40px, 1440px);--reading:min(100% - 40px, 760px);--radius-sm:3px;--radius-md:7px;color-scheme:light;font-synthesis:none}*,:before,:after{box-sizing:border-box}html{scroll-behavior:smooth;background:var(--paper);scroll-padding-top:96px}body{background:var(--paper);color:var(--ink);font-family:var(--font-sans);text-rendering:optimizelegibility;margin:0;font-size:17px;line-height:1.58}body,button,input,select,textarea{font-family:var(--font-sans)}img,picture,svg{max-width:100%;display:block}button,input,select,textarea{font:inherit}button,summary,select,label[for],input[type=checkbox],input[type=radio]{cursor:pointer}a{color:var(--utility-blue-dark);text-underline-offset:.18em;text-decoration-thickness:.07em}a:hover{color:var(--utility-blue)}:focus-visible{outline:3px solid var(--utility-blue);outline-offset:3px}::selection{color:var(--ink);background:#cfe3ff}h1,h2,h3,h4,p{margin-block-start:0}h1,h2,h3{text-wrap:balance}h1,h2{font-family:var(--font-display);letter-spacing:-.025em;font-weight:600}h1{font-size:clamp(3rem,6.2vw,5.25rem);line-height:.98}h2{font-size:clamp(2.2rem,4vw,3.25rem);line-height:1.05}h3{letter-spacing:-.015em;font-size:clamp(1.35rem,2vw,1.7rem);line-height:1.2}.skip-link{z-index:100;background:var(--ink);color:var(--surface);padding:10px 14px;position:fixed;inset:8px auto auto 8px;transform:translateY(-150%)}.skip-link:focus{transform:translateY(0)}.site-header{z-index:20;border-bottom:1px solid var(--rule);background:var(--surface);position:relative}@supports (color:color-mix(in lab, red, red)){.site-header{background:color-mix(in srgb, var(--surface) 95%, transparent)}}.header-inner{width:var(--container);grid-template-columns:minmax(250px,1fr) auto auto;align-items:center;gap:28px;min-height:84px;margin-inline:auto;display:grid}.wordmark{color:var(--ink);font-family:var(--font-display);letter-spacing:-.03em;font-size:clamp(1.45rem,2vw,2rem);font-weight:650;line-height:1;text-decoration:none}.desktop-nav{align-items:center;gap:clamp(18px,2vw,34px);display:flex}.desktop-nav a{color:var(--ink);font-size:.94rem;font-weight:540;text-decoration:none}.desktop-nav a:hover{color:var(--terracotta-hover)}.button-link,.button,button.button{border-radius:var(--radius-sm);text-align:center;border:1px solid #0000;justify-content:center;align-items:center;gap:10px;min-height:48px;padding:11px 20px;font-size:.98rem;font-weight:680;line-height:1.2;text-decoration:none;transition:background-color .18s ease-out,border-color .18s ease-out,color .18s ease-out,transform .18s ease-out;display:inline-flex}.button-link:hover,.button:hover{transform:translateY(-1px)}.button-link--primary,.button--primary{background:var(--terracotta);color:var(--surface)}.button-link--primary:hover,.button--primary:hover{background:var(--terracotta-hover);color:var(--surface)}.button-link--secondary,.button--secondary{border-color:var(--ink);color:var(--ink);background:0 0}.button-link--secondary:hover,.button--secondary:hover{background:var(--ink);color:var(--surface)}.button-link--text,.button--text{min-height:44px;color:var(--utility-blue-dark);padding-inline:0}.button-link--text:hover,.button--text:hover{color:var(--utility-blue)}.button[disabled]{opacity:.62;cursor:wait;transform:none}.mobile-nav{display:none}.site-footer{border-top:1px solid var(--rule);background:var(--ink);color:#f5f4ef}.footer-main{width:var(--container);grid-template-columns:minmax(280px,1.7fr) repeat(3,minmax(160px,1fr));gap:clamp(34px,5vw,84px);margin-inline:auto;padding-block:clamp(64px,8vw,112px);display:grid}.wordmark--footer,.footer-main a{color:#fffefb}.footer-brand>p{color:#d6dce6;max-width:480px}.footer-independence{font-size:.88rem}.footer-column{flex-direction:column;align-items:flex-start;gap:11px;display:flex}.footer-column h2{color:#fffefb;font-family:var(--font-sans);letter-spacing:.1em;text-transform:uppercase;margin-block-end:6px;font-size:.86rem;font-weight:700}.footer-column a{text-underline-offset:.3em;font-size:.95rem}.footer-legal{width:var(--container);color:#b9c2d1;border-top:1px solid #32415a;justify-content:space-between;gap:20px;margin-inline:auto;padding-block:18px;font-size:.82rem;display:flex}.container{width:var(--container);margin-inline:auto}.reading-width{width:var(--reading);margin-inline:auto}.section{padding-block:clamp(72px,9vw,132px)}.section--compact{padding-block:clamp(48px,6vw,80px)}.section--surface{background:var(--surface)}.section--sky{background:var(--sky-wash)}.section--sage{background:var(--sage-wash)}.section-label{color:var(--terracotta-hover);letter-spacing:.14em;text-transform:uppercase;margin-block-end:14px;font-size:.79rem;font-weight:760}.lede{max-width:780px;color:var(--muted-ink);font-size:clamp(1.12rem,1.8vw,1.35rem);line-height:1.5}.eyebrow{color:var(--terracotta-hover);letter-spacing:.14em;text-transform:uppercase;font-size:.78rem;font-weight:760}.hero{border-bottom:1px solid var(--rule);background:var(--surface);grid-template-columns:minmax(0,.95fr) minmax(520px,1.15fr);min-height:615px;display:grid}.hero-copy{align-self:center;padding:clamp(54px,7vw,100px) clamp(28px,5vw,84px) clamp(48px,6vw,84px) max(20px,50vw - 700px)}.hero-copy h1{max-width:710px;margin-block-end:28px}.hero-copy .lede{max-width:650px;margin-block-end:30px}.hero-actions{flex-wrap:wrap;align-items:center;gap:18px 24px;margin-block-end:28px;display:flex}.hero-media{background:#d9d3c8;min-height:560px;position:relative;overflow:hidden}.hero-media picture,.hero-media img{width:100%;height:100%}.hero-media img{object-fit:cover;object-position:center}.hero-caption{background:var(--surface);max-width:290px;color:var(--ink);box-shadow:var(--shadow-1);margin:0;padding:9px 12px;font-size:.78rem;position:absolute;inset:auto 20px 18px auto}.trust-rail{border:1px solid var(--rule);background:var(--rule);flex-wrap:wrap;gap:1px;max-width:670px;display:flex}.trust-rail span{background:var(--surface);min-height:44px;color:var(--muted-ink);white-space:nowrap;flex:180px;align-items:center;gap:9px;padding:9px 12px;font-size:.82rem;display:flex}.trust-rail .icon{color:var(--terracotta-hover);flex:none}.independence-bar{background:var(--ink);color:#f8f6f0;text-align:center;padding:13px 20px;font-size:.86rem}.help-band{border-bottom:1px solid var(--rule);background:var(--paper)}.help-band__inner{width:var(--container);grid-template-columns:minmax(220px,.9fr) minmax(0,4fr);align-items:stretch;gap:24px;margin-inline:auto;display:grid}.help-band__title{border-right:1px solid var(--rule);align-items:center;padding-block:28px;display:flex}.help-band__title h2{max-width:220px;margin:0;font-size:clamp(1.75rem,2.3vw,2.35rem)}.help-paths{grid-template-columns:repeat(5,minmax(130px,1fr));display:grid}.help-path{border-right:1px solid var(--rule);min-height:134px;color:var(--ink);grid-template-columns:auto 1fr;align-content:center;gap:8px 12px;padding:26px 18px 20px;text-decoration:none;display:grid;position:relative}.help-path:last-child{border-right:0}.help-path:after{content:"";background:0 0;height:3px;transition:background-color .18s ease-out;position:absolute;inset:auto 18px 0}.help-path:hover:after{background:var(--terracotta)}.help-path__index{color:var(--terracotta-hover);letter-spacing:.08em;grid-column:1/-1;font-size:.75rem;font-weight:740}.help-path .icon{color:var(--ink)}.help-path__label{font-size:.91rem;font-weight:640;line-height:1.25}.estimator-feature{width:var(--container);border:1px solid var(--rule);background:var(--surface);box-shadow:var(--shadow-1);grid-template-columns:minmax(260px,.75fr) minmax(0,2.25fr);margin-inline:auto;display:grid}.estimator-feature__intro{border-right:1px solid var(--rule);padding:clamp(28px,4vw,52px)}.estimator-feature__intro h2{margin-block-end:18px;font-size:clamp(2rem,3vw,2.8rem)}.estimator-feature__intro p{color:var(--muted-ink)}.estimator-feature__tool{padding:clamp(28px,4vw,52px)}.progress{grid-template-columns:repeat(4,1fr);margin:0 0 34px;padding:0;list-style:none;display:grid}.progress li{color:var(--muted-ink);text-align:center;justify-items:center;gap:8px;font-size:.8rem;display:grid;position:relative}.progress li:before{content:attr(data-step);z-index:1;border:1px solid var(--rule-strong);background:var(--surface);width:32px;height:32px;color:var(--ink);border-radius:50%;place-items:center;font-weight:700;display:grid;position:relative}.progress li:after{content:"";background:var(--rule-strong);width:100%;height:1px;position:absolute;top:16px;left:50%}.progress li:last-child:after{display:none}.progress li[aria-current=step]{color:var(--utility-blue-dark);font-weight:700}.progress li[aria-current=step]:before{border-color:var(--utility-blue);background:var(--utility-blue);color:#fff}.preview-fields,.field-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:22px;display:grid}.field-grid--three{grid-template-columns:repeat(3,minmax(0,1fr))}.field{flex-direction:column;gap:7px;min-width:0;display:flex}.field label,.field legend,.field-label{color:var(--ink);font-size:.92rem;font-weight:680}.field-description{color:var(--muted-ink);margin:0;font-size:.83rem;line-height:1.4}.field-error{color:var(--danger);margin:0;font-size:.83rem;font-weight:600}.input,.select,.textarea,input:not([type=checkbox]):not([type=radio]):not([type=hidden]),select,textarea{border:1px solid var(--rule-strong);border-radius:var(--radius-sm);background:var(--surface);width:100%;min-height:48px;color:var(--ink);padding:10px 12px;transition:border-color .16s ease-out,box-shadow .16s ease-out}textarea{resize:vertical;min-height:120px}input[aria-invalid=true],select[aria-invalid=true],textarea[aria-invalid=true]{border-color:var(--danger);background:var(--danger-wash)}input:focus,select:focus,textarea:focus{border-color:var(--utility-blue);outline:3px solid var(--utility-blue)}@supports (color:color-mix(in lab, red, red)){input:focus,select:focus,textarea:focus{outline:3px solid color-mix(in srgb, var(--utility-blue) 30%, transparent)}}input:focus,select:focus,textarea:focus{outline-offset:1px}fieldset{border:0;min-width:0;margin:0;padding:0}.choice-group{grid-template-columns:repeat(auto-fit,minmax(112px,1fr));gap:8px;display:grid}.choice{min-height:52px;position:relative}.choice input{opacity:0;position:absolute;inset:0}.choice label{border:1px solid var(--rule-strong);border-radius:var(--radius-sm);background:var(--surface);width:100%;height:100%;min-height:52px;color:var(--ink);text-align:center;justify-content:center;align-items:center;padding:10px 12px;font-size:.87rem;font-weight:620;line-height:1.25;transition:background-color .16s ease-out,border-color .16s ease-out,box-shadow .16s ease-out;display:flex}.choice input:checked+label{border-color:var(--utility-blue);background:var(--sky-wash);box-shadow:inset 0 -3px 0 var(--utility-blue);color:var(--utility-blue-dark)}.choice input:focus-visible+label{outline:3px solid var(--utility-blue);outline-offset:2px}.checkbox-field{align-items:flex-start;gap:12px;min-height:48px;padding:10px 0;display:flex}.checkbox-field input{width:20px;height:20px;accent-color:var(--utility-blue);margin:2px 0 0}.form-actions{border-top:1px solid var(--rule);justify-content:space-between;align-items:center;gap:18px;margin-block-start:28px;padding-block-start:24px;display:flex}.editorial-split{width:var(--container);grid-template-columns:minmax(260px,.8fr) minmax(0,2.2fr);align-items:start;gap:clamp(42px,8vw,120px);margin-inline:auto;display:grid}.editorial-split__intro{position:sticky;top:30px}.editorial-split__content{flex-direction:column;display:flex}.project-row,.article-row{border-top:1px solid var(--rule);color:var(--ink);grid-template-columns:minmax(200px,.75fr) minmax(0,1.5fr) auto;align-items:baseline;gap:28px;padding-block:28px;text-decoration:none;display:grid}.project-row:last-child,.article-row:last-child{border-bottom:1px solid var(--rule)}.project-row h3,.article-row h3{margin:0}.project-row p,.article-row p{color:var(--muted-ink);margin:0}.project-row__action{color:var(--utility-blue-dark);white-space:nowrap;font-size:.9rem;font-weight:660}.rate-panel{width:var(--container);grid-template-columns:minmax(260px,.8fr) minmax(0,1.5fr);align-items:start;gap:clamp(36px,7vw,100px);margin-inline:auto;display:grid}.fact-list{border-top:1px solid var(--rule);margin:0;padding:0;list-style:none}.fact-list li,.fact-list>div{border-bottom:1px solid var(--rule);grid-template-columns:minmax(160px,.6fr) minmax(0,1fr);gap:24px;padding-block:20px;display:grid}.fact-list strong,.fact-list dt{font-weight:700}.fact-list span,.fact-list dd{color:var(--muted-ink)}.fact-list dt,.fact-list dd{margin:0}.quote-band{background:var(--terracotta);color:#fffaf5}.quote-band__inner{width:var(--container);grid-template-columns:minmax(0,1.5fr) minmax(240px,.5fr);align-items:center;gap:48px;margin-inline:auto;padding-block:clamp(58px,8vw,96px);display:grid}.quote-band h2{color:#fffaf5;max-width:850px;margin-block-end:12px}.quote-band p{color:#ffe9e1;max-width:760px;margin:0}.quote-band .button-link{color:#fffaf5;border-color:#fffaf5;justify-self:end}.quote-band .button-link:hover{color:var(--terracotta-hover);background:#fffaf5}.breadcrumbs{width:var(--container);margin:0 auto;padding-block:22px}.breadcrumbs ol{color:var(--muted-ink);flex-wrap:wrap;gap:8px;margin:0;padding:0;font-size:.82rem;list-style:none;display:flex}.breadcrumbs li{gap:8px;display:flex}.breadcrumbs a{color:var(--muted-ink)}.breadcrumb-separator{color:var(--rule-strong)}.page-hero{border-block:1px solid var(--rule);background:var(--surface)}.page-hero__inner{width:var(--container);grid-template-columns:minmax(0,1.4fr) minmax(280px,.6fr);align-items:end;gap:clamp(42px,8vw,120px);margin-inline:auto;padding-block:clamp(52px,8vw,104px);display:grid}.page-hero h1{max-width:940px;margin-block-end:24px;font-size:clamp(3rem,6vw,5rem)}.page-hero__aside{border-left:1px solid var(--rule);padding-left:26px}.page-hero__aside dl{margin:0}.page-hero__aside div{border-bottom:1px solid var(--rule);padding-block:12px}.page-hero__aside dt{color:var(--muted-ink);letter-spacing:.08em;text-transform:uppercase;font-size:.78rem}.page-hero__aside dd{margin:4px 0 0;font-weight:650}.guide-hero{width:var(--container);border-bottom:5px solid var(--terracotta);background:var(--ink);margin:0 auto clamp(46px,7vw,92px);overflow:hidden}.guide-hero img{aspect-ratio:16/9;object-fit:cover;width:100%;height:auto}.article-layout{width:var(--container);grid-template-columns:minmax(180px,.5fr) minmax(0,1.55fr) minmax(220px,.65fr);align-items:start;gap:clamp(32px,5vw,72px);margin-inline:auto;padding-block:clamp(54px,8vw,100px);display:grid}.article-toc{position:sticky;top:24px}.article-toc h2{font-family:var(--font-sans);letter-spacing:.12em;text-transform:uppercase;font-size:.78rem;font-weight:760}.article-toc ol{flex-direction:column;gap:10px;margin:0;padding:0;font-size:.86rem;list-style:none;display:flex}.article-content{max-width:760px}.article-content>h2{border-top:1px solid var(--rule);margin-block:72px 22px;padding-block-start:16px}.article-content>h2:first-child{margin-block-start:0}.article-content h3{margin-block:40px 14px}.article-content p,.article-content li{color:#29364b;font-size:1.05rem}.article-content ul,.article-content ol{padding-inline-start:1.25em}.article-content li+li{margin-block-start:8px}.key-answer,.callout{border-left:4px solid var(--utility-blue);background:var(--sky-wash);margin-block:28px;padding:22px 24px}.callout--warning{border-left-color:var(--terracotta);background:#fdf0eb}.key-answer h2,.callout h3{font-family:var(--font-sans);letter-spacing:0;margin-block-end:8px;font-size:1.05rem}.key-answer p,.callout p{margin:0}.article-aside{border:1px solid var(--rule);background:var(--surface);padding:22px;position:sticky;top:24px}.article-aside h2{font-size:1.6rem}.article-aside p{color:var(--muted-ink);font-size:.92rem}.data-table-wrap{border:1px solid var(--rule);background:var(--surface);max-width:100%;margin-block:28px;overflow-x:auto}table{border-collapse:collapse;font-variant-numeric:tabular-nums;width:100%}caption{color:var(--muted-ink);text-align:left;padding:16px;font-size:.85rem}th,td{border-bottom:1px solid var(--rule);text-align:left;white-space:nowrap;padding:13px 15px}th{background:var(--sage-wash);letter-spacing:.03em;font-size:.82rem}td:not(:first-child),th:not(:first-child){text-align:right}.sources{width:var(--container);border-top:1px solid var(--rule);grid-template-columns:minmax(220px,.8fr) minmax(0,2.2fr);gap:clamp(34px,7vw,100px);margin-inline:auto;padding-block:clamp(52px,7vw,92px);display:grid}.sources h2{font-size:2.2rem}.sources ol{margin:0;padding:0;list-style:none}.sources li{border-bottom:1px solid var(--rule);padding-block:19px}.sources li:first-child{border-top:1px solid var(--rule)}.sources li p{color:var(--muted-ink);margin:5px 0;font-size:.9rem}.sources li span{color:var(--muted-ink);font-size:.78rem}.calculator-page{background:var(--surface)}.calculator-shell{width:var(--container);grid-template-columns:minmax(240px,.65fr) minmax(0,1.8fr);gap:clamp(36px,7vw,90px);margin-inline:auto;padding-block:clamp(42px,6vw,84px) clamp(72px,8vw,112px);display:grid}.calculator-intro{align-self:start;position:sticky;top:24px}.calculator-intro h1{margin-block-end:22px;font-size:clamp(2.7rem,5vw,4.8rem)}.calculator-intro p{color:var(--muted-ink)}.calculator-form{border:1px solid var(--rule);background:var(--paper);box-shadow:var(--shadow-1);padding:clamp(24px,4vw,48px)}.calculator-form>fieldset+fieldset,.calculator-form>.field+.field,.calculator-form>.field-grid+.field-grid{margin-block-start:28px}.calculator-form legend{margin-block-end:8px;font-size:1rem;font-weight:700}.calculator-results,.form-status{border:1px solid var(--rule);background:var(--surface);margin-block-start:28px;padding:clamp(22px,3vw,32px)}.calculator-results[hidden],.form-status[hidden]{display:none}.result-kicker{color:var(--utility-blue-dark);letter-spacing:.12em;text-transform:uppercase;font-size:.78rem;font-weight:760}.result-value{font-family:var(--font-display);margin-block:6px 18px;font-size:clamp(2.4rem,5vw,4.2rem);font-weight:650;line-height:1}.result-list{margin:0;padding:0;list-style:none}.result-list li{border-top:1px solid var(--rule);padding:10px 0 10px 26px;position:relative}.result-list li:before{content:"✓";color:var(--success);font-weight:800;position:absolute;left:2px}.calculator-disclaimer,.fine-print{color:var(--muted-ink);font-size:.82rem;line-height:1.45}.lead-shell{width:min(100% - 40px,1040px);margin-inline:auto;padding-block:clamp(48px,7vw,96px)}.lead-header{max-width:760px;margin-block-end:38px}.lead-header h1{margin-block-end:20px}.lead-form{grid-template-columns:minmax(0,1.8fr) minmax(260px,.7fr);align-items:start;gap:28px;display:grid}.lead-step{border:1px solid var(--rule);background:var(--surface);padding:clamp(24px,4vw,46px)}.lead-step[hidden]{display:none}.lead-step h2{margin-block-end:24px;font-size:clamp(2rem,3.5vw,3rem)}.lead-step .field+.field,.lead-step .field+fieldset,.lead-step fieldset+.field,.lead-step fieldset+fieldset,.lead-step .field-grid+.field{margin-block-start:24px}.lead-aside{border-top:4px solid var(--terracotta);background:var(--sage-wash);padding:24px}.lead-aside h2{font-family:var(--font-sans);letter-spacing:0;font-size:1rem}.lead-aside ol{color:var(--muted-ink);padding-inline-start:1.2em;font-size:.9rem}.lead-progress{margin-block-end:28px}.draft-status{width:min(100%,1040px);color:var(--muted-ink);text-align:center;margin:-14px auto 24px;font-size:.84rem}.empty-state{text-align:center;width:min(100% - 40px,880px);margin-inline:auto;padding-block:clamp(70px,10vw,140px)}.empty-state .icon{color:var(--terracotta-hover);margin:0 auto 24px}.empty-state p{max-width:650px;color:var(--muted-ink);margin-inline:auto}.empty-state .hero-actions{justify-content:center}.policy-page{width:var(--reading);margin-inline:auto;padding-block:clamp(60px,9vw,120px)}.policy-page h1{margin-block-end:26px}.policy-page>h2{border-top:1px solid var(--rule);margin-block:56px 18px;padding-block-start:16px}.policy-page p,.policy-page li{color:#29364b}.not-found{width:var(--reading);text-align:center;margin-inline:auto;padding-block:clamp(80px,14vw,180px)}@media (width<=1120px){.header-inner{grid-template-columns:1fr auto}.desktop-nav,.desktop-cta{display:none}.mobile-nav{display:block;position:relative}.mobile-nav summary{border:1px solid var(--rule-strong);border-radius:var(--radius-sm);align-items:center;gap:8px;min-height:48px;padding:9px 12px;font-weight:650;list-style:none;display:flex}.mobile-nav summary::-webkit-details-marker{display:none}.mobile-nav nav{border:1px solid var(--rule);background:var(--surface);width:min(88vw,360px);box-shadow:var(--shadow-1);flex-direction:column;gap:2px;padding:14px;display:flex;position:absolute;top:calc(100% + 10px);right:0}.mobile-nav nav>a:not(.button-link){min-height:46px;color:var(--ink);align-items:center;padding:8px 10px;text-decoration:none;display:flex}.hero{grid-template-columns:1fr .85fr}.help-band__inner{grid-template-columns:1fr}.help-band__title{border-right:0;padding-block-end:0}.help-paths{grid-template-columns:repeat(5,minmax(150px,1fr));overflow-x:auto}.article-layout{grid-template-columns:minmax(160px,.45fr) minmax(0,1.55fr)}.article-aside{grid-column:2;position:static}}@media (width<=820px){:root{--container:min(100% - 30px, 1440px);--reading:min(100% - 30px, 760px)}body{font-size:16px}.header-inner{min-height:72px}.hero{grid-template-columns:1fr}.hero-copy{padding:50px 20px 42px}.hero-media{min-height:420px}.estimator-feature,.editorial-split,.rate-panel,.sources,.calculator-shell,.lead-form,.page-hero__inner,.quote-band__inner{grid-template-columns:1fr}.estimator-feature__intro{border-right:0;border-bottom:1px solid var(--rule)}.editorial-split__intro,.calculator-intro,.article-toc,.article-aside{position:static}.project-row,.article-row{grid-template-columns:1fr;gap:9px}.fact-list li{grid-template-columns:1fr;gap:6px}.quote-band .button-link{justify-self:start}.page-hero__aside{border-left:0;border-top:1px solid var(--rule);padding-left:0}.article-layout{grid-template-columns:1fr}.article-toc,.article-aside{grid-column:auto}.article-toc ol{grid-template-columns:repeat(2,minmax(0,1fr));display:grid}.footer-main{grid-template-columns:repeat(2,1fr)}.footer-brand{grid-column:1/-1}}@media (width<=560px){h1{font-size:clamp(2.7rem,13vw,4.05rem)}h2{font-size:clamp(2rem,10vw,2.7rem)}.wordmark{max-width:190px;font-size:1.42rem}.mobile-nav summary span{clip:rect(0, 0, 0, 0);width:1px;height:1px;position:absolute;overflow:hidden}.hero-actions,.form-actions{flex-direction:column;align-items:stretch}.hero-actions .button-link,.form-actions .button,.form-actions .button-link{width:100%}.hero-media{min-height:330px}.trust-rail{grid-template-columns:1fr;display:grid}.trust-rail span{min-height:40px}.help-paths{grid-template-columns:repeat(2,minmax(0,1fr));overflow:visible}.help-path{min-height:124px}.help-path:nth-child(2n){border-right:0}.help-path:last-child{border-top:1px solid var(--rule);grid-column:1/-1}.estimator-feature{border-inline:0;width:100%}.progress li span{display:none}.preview-fields,.field-grid,.field-grid--three{grid-template-columns:1fr}.calculator-form{box-shadow:none;border-inline:0;margin-inline:-15px}.article-toc ol{grid-template-columns:1fr}.lead-shell{width:min(100% - 30px,1040px)}.lead-step{border-inline:0;margin-inline:-15px}.footer-main{grid-template-columns:1fr}.footer-brand{grid-column:auto}.footer-legal{flex-direction:column}th,td{padding:11px 12px;font-size:.83rem}}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,:before,:after{scroll-behavior:auto!important;transition-duration:.01ms!important;animation-duration:.01ms!important;animation-iteration-count:1!important}}@property --tw-rotate-x{syntax:"*";inherits:false}@property --tw-rotate-y{syntax:"*";inherits:false}@property --tw-rotate-z{syntax:"*";inherits:false}@property --tw-skew-x{syntax:"*";inherits:false}@property --tw-skew-y{syntax:"*";inherits:false}@property --tw-border-style{syntax:"*";inherits:false;initial-value:solid}@property --tw-font-weight{syntax:"*";inherits:false}@property --tw-ordinal{syntax:"*";inherits:false}@property --tw-slashed-zero{syntax:"*";inherits:false}@property --tw-numeric-figure{syntax:"*";inherits:false}@property --tw-numeric-spacing{syntax:"*";inherits:false}@property --tw-numeric-fraction{syntax:"*";inherits:false}@property --tw-shadow{syntax:"*";inherits:false;initial-value:0 0 #0000}@property --tw-shadow-color{syntax:"*";inherits:false}@property --tw-shadow-alpha{syntax:"<percentage>";inherits:false;initial-value:100%}@property --tw-inset-shadow{syntax:"*";inherits:false;initial-value:0 0 #0000}@property --tw-inset-shadow-color{syntax:"*";inherits:false}@property --tw-inset-shadow-alpha{syntax:"<percentage>";inherits:false;initial-value:100%}@property --tw-ring-color{syntax:"*";inherits:false}@property --tw-ring-shadow{syntax:"*";inherits:false;initial-value:0 0 #0000}@property --tw-inset-ring-color{syntax:"*";inherits:false}@property --tw-inset-ring-shadow{syntax:"*";inherits:false;initial-value:0 0 #0000}@property --tw-ring-inset{syntax:"*";inherits:false}@property --tw-ring-offset-width{syntax:"<length>";inherits:false;initial-value:0}@property --tw-ring-offset-color{syntax:"*";inherits:false;initial-value:#fff}@property --tw-ring-offset-shadow{syntax:"*";inherits:false;initial-value:0 0 #0000}@property --tw-outline-style{syntax:"*";inherits:false;initial-value:solid}@property --tw-blur{syntax:"*";inherits:false}@property --tw-brightness{syntax:"*";inherits:false}@property --tw-contrast{syntax:"*";inherits:false}@property --tw-grayscale{syntax:"*";inherits:false}@property --tw-hue-rotate{syntax:"*";inherits:false}@property --tw-invert{syntax:"*";inherits:false}@property --tw-opacity{syntax:"*";inherits:false}@property --tw-saturate{syntax:"*";inherits:false}@property --tw-sepia{syntax:"*";inherits:false}@property --tw-drop-shadow{syntax:"*";inherits:false}@property --tw-drop-shadow-color{syntax:"*";inherits:false}@property --tw-drop-shadow-alpha{syntax:"<percentage>";inherits:false;initial-value:100%}@property --tw-drop-shadow-size{syntax:"*";inherits:false}@property --tw-duration{syntax:"*";inherits:false}@property --tw-ease{syntax:"*";inherits:false}