:root{--ink:#132620;--ink2:#26473d;--cream:#f6f0e5;--paper:#fffdf8;--sun:#e6a65c;--rust:#b95f3b;--sky:#a9c7c3;--line:rgba(19,38,32,.16);--max:1180px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:'DM Sans',sans-serif;font-size:16px;line-height:1.65}a{color:inherit}.wrap{width:min(var(--max),calc(100% - 40px));margin:auto}
.topbar{background:var(--ink);color:#fff;padding:9px 20px;text-align:center;font-size:.78rem;letter-spacing:.09em;text-transform:uppercase}.topbar a{color:#f4cb9a;text-underline-offset:3px}
header{background:var(--paper);border-bottom:1px solid var(--line)}nav{height:76px;position:relative;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{text-decoration:none;display:flex;align-items:center;gap:12px;font-weight:700;letter-spacing:-.03em}.mark{width:34px;height:34px;border-radius:50%;border:1px solid var(--ink);display:grid;place-items:center;color:var(--rust);font-family:'Instrument Serif';font-size:24px}.navlinks{display:flex;align-items:center;gap:24px}.navlinks a{text-decoration:none;font-size:.88rem;font-weight:600}.navlinks a:hover{text-decoration:underline;text-underline-offset:5px}.pill{background:var(--ink);color:#fff!important;padding:11px 18px;border-radius:999px}.mobile-toggle{display:none;border:0;background:none;font:inherit;font-weight:700}
.article-hero{background:radial-gradient(circle at 82% 12%,rgba(230,166,92,.22),transparent 31%),linear-gradient(135deg,#132620,#24483d);color:#fff;padding:82px 0 76px}.eyebrow{text-transform:uppercase;letter-spacing:.17em;font-size:.76rem;font-weight:700;color:#f4cb9a}.article-hero h1{font:400 clamp(3.3rem,7vw,6.6rem)/.94 'Instrument Serif';letter-spacing:-.04em;max-width:980px;margin:18px 0 24px}.article-hero .dek{font-size:1.16rem;color:rgba(255,255,255,.82);max-width:780px}.meta{display:flex;gap:10px 22px;flex-wrap:wrap;color:rgba(255,255,255,.62);font-size:.82rem;margin-top:24px}
.page-grid{display:grid;grid-template-columns:minmax(0,1fr) 285px;gap:72px;align-items:start;padding:74px 0 96px}.article{max-width:760px;min-width:0}.article h2{font:400 clamp(2.35rem,4.5vw,3.7rem)/1.02 'Instrument Serif';letter-spacing:-.03em;margin:72px 0 20px}.article h2:first-child{margin-top:0}.article h3{font:400 1.8rem/1.15 'Instrument Serif';margin:36px 0 10px}.article p,.article li{color:#40554e}.article a{color:#8f4228;text-underline-offset:3px}.lede{font-size:1.12rem;color:#30483f!important}.toc{background:var(--cream);border-radius:18px;padding:25px 26px;margin:32px 0}.toc b{display:block;margin-bottom:10px}.toc ol{margin:0;padding-left:21px}.toc a{text-decoration:none}.toc a:hover{text-decoration:underline}.callout{border-left:4px solid var(--sun);background:#fbf4e8;padding:20px 24px;margin:28px 0;border-radius:0 12px 12px 0}.callout strong{display:block;color:var(--ink);margin-bottom:4px}.comparison{width:100%;border-collapse:collapse;margin:24px 0;font-size:.94rem}.comparison th,.comparison td{text-align:left;vertical-align:top;padding:15px 14px;border-bottom:1px solid var(--line)}.comparison th{background:var(--cream);color:var(--ink);font-size:.8rem;text-transform:uppercase;letter-spacing:.06em}.comparison td:first-child{font-weight:700;color:var(--ink)}.checklist{list-style:none;padding:0}.checklist li{position:relative;padding:11px 0 11px 29px;border-bottom:1px solid var(--line)}.checklist li:before{content:'✓';position:absolute;left:0;color:var(--rust);font-weight:800}
.side{position:sticky;top:24px;display:grid;gap:16px}.side-card{border:1px solid var(--line);border-radius:16px;padding:22px}.side-card h2,.side-card h3{font:400 1.7rem/1.08 'Instrument Serif';margin:0 0 10px}.side-card p{font-size:.88rem;color:#5a6d66}.side-card a{display:block;font-weight:700;text-underline-offset:4px;margin-top:8px}.side-card.cta{background:var(--rust);color:#fff;border:0}.side-card.cta p{color:rgba(255,255,255,.82)}.side-card.cta a{background:#fff;color:var(--ink);text-decoration:none;padding:11px 15px;border-radius:999px;text-align:center}
.faq{margin-top:26px}.faq details{border-top:1px solid var(--line);padding:17px 0}.faq details:last-child{border-bottom:1px solid var(--line)}.faq summary{font-weight:700;cursor:pointer;list-style-position:outside;margin-left:20px}.faq details p{margin:10px 0 0 20px}.sources{font-size:.82rem;color:#6b7b75!important}.sources a{word-break:break-word}
.calculator{background:var(--cream);border-radius:20px;padding:28px;margin:28px 0}.calculator h3{margin-top:0}.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px 18px}.calc-field label{font-size:.82rem;font-weight:700;display:block;margin-bottom:5px}.calc-field span{display:flex;align-items:center;background:#fff;border:1px solid var(--line);border-radius:9px;padding-left:12px}.calc-field input{width:100%;border:0;background:transparent;padding:11px;font:inherit;color:var(--ink);min-width:0}.calc-field input:focus{outline:2px solid var(--sun);outline-offset:1px}.calc-results{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:22px}.calc-result{background:var(--ink);color:#fff;border-radius:12px;padding:18px}.calc-result small{display:block;color:rgba(255,255,255,.65);text-transform:uppercase;letter-spacing:.08em}.calc-result strong{display:block;font:400 2rem 'Instrument Serif';color:#f4cb9a}
.month-table td:nth-child(2),.month-table td:nth-child(3){white-space:nowrap}.resource-links{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:32px 0}.resource-link{border:1px solid var(--line);border-radius:14px;padding:18px;text-decoration:none}.resource-link small{display:block;color:var(--rust);font-weight:700;text-transform:uppercase;letter-spacing:.08em}.resource-link strong{display:block;font:400 1.35rem 'Instrument Serif';margin-top:5px}
footer{background:#0c1915;color:#fff;padding:58px 0 30px}.foot-grid{display:grid;grid-template-columns:1.25fr .85fr 1fr 1.2fr;gap:44px}.foot-brand{font:400 2rem 'Instrument Serif';margin-bottom:12px}.foot-grid p,.foot-grid a,.foot-grid address{color:rgba(255,255,255,.63);font-size:.86rem;font-style:normal}.foot-links{display:grid;gap:8px}.foot-links a{text-decoration:none}.foot-links a:hover{text-decoration:underline;text-underline-offset:4px}.compliance{border-top:1px solid rgba(255,255,255,.14);margin-top:42px;padding-top:26px;color:rgba(255,255,255,.66);font-size:.8rem;line-height:1.65}.compliance p{margin:0 0 12px}.compliance strong{color:rgba(255,255,255,.88)}.compliance a{color:#f4cb9a;text-underline-offset:3px}.compliance-links{display:flex;gap:8px 14px;flex-wrap:wrap}.copyright{border-top:1px solid rgba(255,255,255,.14);margin-top:24px;padding-top:20px;font-size:.75rem;color:rgba(255,255,255,.45)}
@media(max-width:900px){.page-grid{grid-template-columns:1fr;gap:42px}.article{max-width:none}.side{position:static;grid-template-columns:1fr 1fr}.foot-grid{grid-template-columns:1fr 1fr}.resource-links{grid-template-columns:1fr}}
@media(max-width:720px){.wrap{width:min(100% - 26px,var(--max))}.mobile-toggle{display:block}.navlinks{display:none;position:absolute;z-index:20;top:66px;left:0;right:0;background:var(--paper);padding:20px;border-radius:0 0 15px 15px;box-shadow:0 16px 36px #0002;flex-direction:column;align-items:stretch}.navlinks.open{display:flex}.article-hero{padding:58px 0}.article-hero h1{font-size:clamp(3rem,14vw,4.5rem)}.page-grid{padding:54px 0 72px}.article h2{margin-top:54px}.comparison{display:block;overflow-x:auto}.calc-grid,.calc-results,.side,.foot-grid{grid-template-columns:1fr}}