:root{--paper:#f4f3ed;--white:#fffefa;--ink:#172b25;--muted:#59685e;--line:#d9dfd5;--green:#234f3f;--lime:#dfeab6;--orange:#bc5a30;--mono:ui-monospace,SFMono-Regular,Consolas,monospace;--sans:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font:16px/1.6 var(--sans);-webkit-font-smoothing:antialiased}a{color:inherit;text-underline-offset:4px}a:hover{color:var(--orange)}button,input{font:inherit}button,a,input{touch-action:manipulation}a:focus-visible,button:focus-visible,input:focus-visible{outline:3px solid var(--orange);outline-offset:4px}.skip{position:absolute;top:-80px;left:20px;background:var(--white);padding:12px;z-index:20}.skip:focus{top:10px}.wrap{max-width:1180px;margin:auto;padding:0 32px}.site-header{border-bottom:1px solid var(--line);background:var(--paper)}.header-inner{height:90px;display:flex;align-items:center;justify-content:space-between;gap:30px}.brand{font-size:23px;font-weight:750;letter-spacing:-1px;text-decoration:none;display:flex;align-items:center;gap:11px}.brand-mark{width:27px;height:27px;display:inline-flex;flex-direction:column;justify-content:space-between;transform:skewY(-10deg)}.brand-mark i{display:block;height:6px;background:var(--green)}.brand-mark i:nth-child(2){width:20px}.nav{display:flex;gap:27px;align-items:center;font-size:14px;font-weight:550}.nav a{text-decoration:none}.nav .nav-cta{border:1px solid var(--ink);padding:8px 16px;border-radius:3px}.eyebrow{font:11px/1.5 var(--mono);letter-spacing:1.7px;text-transform:uppercase;color:var(--muted);display:flex;align-items:center;gap:10px}.dot{width:6px;height:6px;background:var(--orange);border-radius:50%;display:inline-block}.hero{padding:68px 0 72px;display:grid;grid-template-columns:1.15fr 1fr;gap:64px;align-items:center}h1,h2,h3,p{margin-top:0}h1{font-size:clamp(42px,4.4vw,62px);line-height:1.08;letter-spacing:-2.8px;font-weight:650;margin:25px 0}h1 em{font-family:Georgia,serif;font-weight:normal;letter-spacing:-2.4px}h2{font-size:32px;letter-spacing:-1.2px;line-height:1.22;font-weight:620}h3{font-size:21px;letter-spacing:-.5px;line-height:1.3}.lede{font-size:18px;color:var(--muted);max-width:560px;line-height:1.75}.actions{display:flex;flex-wrap:wrap;gap:12px;align-items:center;margin:30px 0 20px}.button{display:inline-flex;justify-content:center;align-items:center;gap:20px;min-height:46px;padding:12px 20px;border-radius:3px;background:var(--green);color:white;text-decoration:none;border:1px solid var(--green);font-size:14px;font-weight:600;cursor:pointer}.button:hover{background:#163f30;color:white}.button.secondary{background:transparent;color:var(--ink);border-color:var(--line)}.button.secondary:hover{border-color:var(--ink)}.micro{font-size:12px;color:var(--muted)}.ledger{background:var(--white);border:1px solid var(--line);padding:30px;border-radius:5px;box-shadow:11px 11px 0 #e5e8de;position:relative}.ledger:before{content:"";display:block;position:absolute;left:0;top:0;bottom:0;width:4px;background:var(--green)}.ledger-head{display:flex;justify-content:space-between;align-items:center;padding-bottom:21px;border-bottom:1px solid var(--line);gap:10px}.ledger-title{font-size:17px;font-weight:650}.tag{font:10px var(--mono);border:1px solid var(--line);padding:5px 8px;white-space:nowrap;border-radius:3px}.ledger-row{display:flex;justify-content:space-between;gap:14px;margin:22px 0;align-items:center}.ledger-row b{font:27px var(--mono);letter-spacing:-1.2px}.ledger-row small{display:block;font-size:12px;color:var(--muted)}.ledger-label{font-size:14px}.ledger-total{background:var(--lime);padding:13px 16px;margin:20px -1px;font:13px var(--mono);border-radius:2px}.range-label{display:flex;justify-content:space-between;font-size:12px;margin-top:20px}.range-label output{font-family:var(--mono)}input[type=range]{accent-color:var(--green);width:100%;margin:10px 0 0}.trust-strip{display:flex;gap:36px;justify-content:space-between;padding:20px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line);font:11px var(--mono);color:var(--muted)}.trust-strip span:before{content:'↳';margin-right:10px;color:var(--green)}section.block{padding:62px 0}.section-heading{display:flex;justify-content:space-between;align-items:end;gap:25px;margin-bottom:28px}.section-heading h2{margin:8px 0 0}.section-heading p{max-width:330px;margin:0;font-size:14px;color:var(--muted)}.tool-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.tool-card{display:flex;flex-direction:column;text-decoration:none;padding:27px;background:var(--white);border:1px solid var(--line);border-radius:4px;min-height:248px;transition:transform .15s,border-color .15s}.tool-card:hover{transform:translateY(-3px);border-color:var(--green);color:var(--ink)}.card-top{display:flex;justify-content:space-between;margin-bottom:34px;color:var(--muted);font:12px var(--mono)}.tool-card p{color:var(--muted);font-size:14px;margin-bottom:24px}.card-action{margin-top:auto;font-size:13px;font-weight:600}.card-action span{float:right}.editorial{border-top:1px solid var(--line);display:grid;grid-template-columns:.8fr 1.7fr;gap:60px}.editorial-intro{padding:38px 0}.editorial-intro p{font-size:14px;color:var(--muted)}.guide-row{display:grid;grid-template-columns:42px 1fr 25px;gap:14px;padding:28px 0;border-bottom:1px solid var(--line);text-decoration:none;align-items:center}.guide-row h3{margin:0 0 7px;font-size:21px}.guide-row p{margin:0;font-size:13px;color:var(--muted)}.index{font:12px var(--mono);color:var(--orange)}.statement{background:var(--green);color:var(--white);padding:38px 42px;border-radius:4px;display:flex;justify-content:space-between;align-items:center;gap:40px}.statement h2{font-size:27px;margin:0 0 10px}.statement p{color:#c6d6ca;font-size:14px;margin:0;max-width:670px}.statement a{white-space:nowrap;color:#e7efc8;font-size:14px}.site-footer{margin-top:35px;padding:35px 0 25px;border-top:1px solid var(--line)}.footer-top{display:flex;justify-content:space-between;gap:20px}.footer-links{display:flex;gap:24px;font-size:12px}.footer-bottom{display:flex;justify-content:space-between;gap:24px;font-size:11px;color:var(--muted);padding-top:28px}.breadcrumb{padding-top:28px;font:11px var(--mono);color:var(--muted)}.page-hero{padding:34px 0 42px;max-width:850px}.page-hero h1{font-size:clamp(36px,4vw,52px);margin:18px 0}.page-hero .lede{max-width:760px}.calc-layout{display:grid;grid-template-columns:1.15fr 1fr;gap:30px;align-items:start}.calc-form{background:var(--white);border:1px solid var(--line);padding:30px;border-radius:4px}.form-section{border:0;margin:0;padding:0 0 26px}.form-section+fieldset{border-top:1px solid var(--line);padding-top:25px}.form-section legend{font-size:17px;font-weight:650;padding:0 0 17px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}.field label{font-size:12px;display:block;margin-bottom:7px;font-weight:600}.field input{width:100%;min-height:44px;border:1px solid #bdc8bd;border-radius:3px;background:#fffefa;color:var(--ink);padding:9px 12px;font-family:var(--mono);font-size:15px}.field small{display:block;color:var(--muted);font-size:10px;margin-top:5px;line-height:1.45}.form-bottom{display:flex;align-items:center;gap:20px}.form-bottom button{background:transparent;border:0;text-decoration:underline;color:var(--green);cursor:pointer;font-size:12px;padding:5px 0}.result-panel{background:var(--green);color:white;padding:32px;border-radius:4px;position:sticky;top:24px}.result-panel .eyebrow{color:#c6d6ca}.result-panel h2{font-size:23px;margin:20px 0 8px}.result-number{font-family:var(--mono);font-size:49px;letter-spacing:-2px;line-height:1.2;margin:19px 0 0;overflow-wrap:anywhere}.result-unit{font-size:12px;color:#c6d6ca;margin:3px 0 23px}.result-note{font-size:12px;color:#d1ddd4;margin:22px 0 0;line-height:1.7}.result-detail{padding:18px 0;border-top:1px solid #527260;font-size:13px}.result-detail>div{display:flex;justify-content:space-between;gap:15px;margin:10px 0}.result-detail b{font-family:var(--mono)}.bar-label{display:flex;justify-content:space-between;gap:20px;font-size:12px;margin-top:19px}.bar-track{background:#3e6552;height:9px;margin:8px 0}.bar-track>div{height:9px;background:var(--lime);transition:width .2s}.bar-track.alt>div{background:#d2a27b}.validation{font-size:14px;color:#ffe1b0;margin:0}.result-panel.invalid{min-height:120px}.method-box{border:1px solid var(--line);padding:26px 30px;margin-top:30px;border-radius:4px;background:#edeFE6}.method-box h3{font-size:17px}.method-box p,.method-box li{font-size:13px;color:var(--muted)}.formula{font:12px/1.8 var(--mono);white-space:normal;display:block;background:var(--white);border:1px solid var(--line);padding:14px;margin:16px 0;overflow-wrap:anywhere}.provider-section{margin-top:45px;border-top:1px solid var(--line);padding-top:30px}.provider-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}.provider{border:1px solid var(--line);background:var(--white);padding:24px;border-radius:4px}.provider h3{margin-bottom:10px}.provider p{font-size:13px;color:var(--muted)}.provider a{font-size:13px;font-weight:600}.disclosure{font-size:12px;color:var(--muted);padding:12px 0 18px;max-width:850px}.article-layout{display:grid;grid-template-columns:1fr 230px;gap:65px;align-items:start;max-width:1060px}.article{font-size:16px;line-height:1.85}.article h2{font-size:28px;margin:40px 0 18px}.article h2:first-child{margin-top:0}.article h3{margin:28px 0 12px;font-size:21px}.article p,.article li{color:#3c5045}.article ul,.article ol{padding-left:22px}.article li{margin:8px 0}.article aside{background:#e7ebdf;border-left:3px solid var(--green);padding:20px 25px;margin:28px 0;font-size:14px}.article table{width:100%;border-collapse:collapse;font-size:13px;margin:22px 0}.article th,.article td{text-align:left;border-bottom:1px solid var(--line);padding:13px 10px;vertical-align:top}.article th{background:#e7ebdf}.toc{position:sticky;top:30px;border-left:1px solid var(--line);padding-left:24px;font-size:12px}.toc a{display:block;margin:15px 0;text-decoration:none}.source-list{font-size:12px;word-break:break-word}.source-list li{margin:12px 0}.notice{font-size:13px;padding:16px 20px;background:#e8ecdf;border:1px solid var(--line);border-radius:3px}.simple-page{max-width:780px;margin:auto}.related{margin-top:40px;padding-top:25px;border-top:1px solid var(--line)}.related a{font-size:14px}.hide-print{}@media(max-width:900px){.hero{gap:35px;grid-template-columns:1.1fr 1fr}h1{font-size:46px}.ledger{padding:23px}.tool-card{padding:22px}.calc-layout{gap:20px}.form-grid{gap:15px}.article-layout{gap:35px;grid-template-columns:1fr 190px}}@media(max-width:700px){.wrap{padding:0 20px}.header-inner{height:76px;gap:15px}.brand{font-size:21px}.nav{gap:16px;font-size:12px}.nav .nav-cta{display:none}.hero{padding:40px 0;grid-template-columns:1fr;gap:30px}h1{font-size:47px;letter-spacing:-2px}.lede{font-size:16px}.ledger{box-shadow:6px 6px 0 #e5e8de;margin-right:6px}.trust-strip{gap:12px;flex-wrap:wrap;font-size:10px}.tool-grid{grid-template-columns:1fr}.tool-card{min-height:190px}.card-top{margin-bottom:20px}.section-heading{align-items:start;flex-direction:column;gap:15px}.section-heading p{max-width:none}.editorial{grid-template-columns:1fr;gap:0}.editorial-intro{padding-bottom:5px}.guide-row{grid-template-columns:26px 1fr 16px}.statement{padding:28px;flex-direction:column;gap:22px;align-items:start}.footer-top,.footer-bottom{flex-direction:column}.footer-links{flex-wrap:wrap;gap:16px}.calc-layout,.provider-grid{grid-template-columns:1fr}.result-panel{position:static}.calc-form{padding:23px}.page-hero{padding:28px 0}.page-hero h1{font-size:40px;letter-spacing:-1.5px}.article-layout{grid-template-columns:1fr}.toc{display:none}.article table{font-size:12px}.article th,.article td{padding:10px 6px}section.block{padding:42px 0}.result-number{font-size:43px}.form-grid{gap:16px}.method-box{padding:22px}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}@media print{.site-header,.site-footer,.actions,.provider-section,.hide-print{display:none}.calc-layout{display:block}.result-panel{position:static;background:white;color:black;border:1px solid #aaa;margin-top:20px;break-inside:avoid}.result-panel *{color:black!important}.wrap{padding:0}.calc-form{break-inside:avoid}body{background:white}.form-section{padding-bottom:10px}.page-hero{padding:10px 0}.bar-track>div{print-color-adjust:exact}.toc{display:none}}

@media(max-width:420px){.nav a[href="/methodology/"]{display:none}.form-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}