@font-face{font-family:"Source Serif 4";src:url(/assets/fonts/source-serif-4-latin-600-normal.woff2) format("woff2");font-weight:600;font-display:swap}
@font-face{font-family:"Source Serif 4";src:url(/assets/fonts/source-serif-4-latin-700-normal.woff2) format("woff2");font-weight:700;font-display:swap}
@font-face{font-family:"Atkinson Hyperlegible";src:url(/assets/fonts/atkinson-hyperlegible-latin-400-normal.woff2) format("woff2");font-weight:400;font-display:swap}
@font-face{font-family:"Atkinson Hyperlegible";src:url(/assets/fonts/atkinson-hyperlegible-latin-400-italic.woff2) format("woff2");font-weight:400;font-style:italic;font-display:swap}
@font-face{font-family:"Atkinson Hyperlegible";src:url(/assets/fonts/atkinson-hyperlegible-latin-700-normal.woff2) format("woff2");font-weight:700;font-display:swap}
@font-face{font-family:"JetBrains Mono";src:url(/assets/fonts/jetbrains-mono-latin-500-normal.woff2) format("woff2");font-weight:500;font-display:swap}
:root{--ink:#0f1b2d;--ink2:#18293f;--em:#0b8a5e;--em-d:#076b48;--em-l:#2fbf88;--mint:#e5f3ec;--amber:#e8a33d;--amber-d:#b5751a;--down:#d0503f;
 --paper:#f7f6f2;--card:#fff;--text:#1d2633;--muted:#566173;--line:#e1ddd3;
 --head:"Source Serif 4",Georgia,serif;--body:"Atkinson Hyperlegible",system-ui,sans-serif;--mono:"JetBrains Mono",ui-monospace,monospace}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
body{margin:0;font-family:var(--body);font-size:1.13rem;line-height:1.7;color:var(--text);background:var(--paper)}
img,svg{max-width:100%;display:block}
a{color:var(--em-d);text-underline-offset:3px}a:hover{color:var(--ink)}
:focus-visible{outline:3px solid var(--amber);outline-offset:3px;border-radius:4px}
h1,h2,h3,.h3{font-family:var(--head);font-weight:700;color:var(--ink);line-height:1.18;margin:0 0 .5em;letter-spacing:-.01em}
h1{font-size:clamp(2.1rem,5vw,3.3rem)}h2{font-size:clamp(1.6rem,3.3vw,2.2rem)}h3,.h3{font-size:1.3rem}
p{margin:0 0 1em}
.wrap{max-width:1180px;margin:0 auto;padding:0 20px}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:-999px;top:8px;background:#fff;color:#000;padding:8px 14px;z-index:99;border-radius:6px}.skip:focus{left:8px}
.ico{width:24px;height:24px;flex:none}.ico-sm{width:18px;height:18px}.ico-lg{width:38px;height:38px}.ico-xl{width:54px;height:54px}
.kicker{display:flex;align-items:center;gap:6px;text-transform:uppercase;letter-spacing:.14em;font-size:.82rem;font-weight:700;color:var(--em-d);margin:0 0 .6em}
.small{font-size:.97rem;color:var(--muted)}.center{text-align:center;justify-content:center}

.logo{display:inline-flex;align-items:center;gap:9px}
.logo-mark{width:38px;height:30px;color:var(--ink)}
.wm{font-family:var(--head);font-weight:700;font-size:1.45rem;color:var(--ink);letter-spacing:-.02em}
.wm b{color:var(--em);font-weight:700;font-style:italic;margin:0 .06em}
.brand{text-decoration:none}

.site-head{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:30}
.head-in{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:70px}
.site-nav ul{list-style:none;margin:0;padding:0;display:flex;gap:2px}
.site-nav a{display:block;padding:9px 10px;border-radius:8px;text-decoration:none;color:var(--ink);font-weight:700;font-size:.98rem}
.site-nav a:hover{background:var(--mint)}
.site-nav a[aria-current]{color:var(--em-d);box-shadow:inset 0 -3px 0 var(--em)}
.nav-toggle{display:none;background:none;border:0;padding:12px;cursor:pointer;color:var(--ink)}
.bars,.bars::before,.bars::after{display:block;width:26px;height:3px;background:currentColor;border-radius:2px;position:relative;content:""}
.bars::before{position:absolute;top:-8px}.bars::after{position:absolute;top:8px}
@media (max-width:1060px){.nav-toggle{display:block}.site-nav{position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);display:none;padding:8px 20px 18px}.site-nav.open{display:block}.site-nav ul{flex-direction:column}}

.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--ink);color:#fff;font:inherit;font-weight:700;text-decoration:none;padding:12px 22px;border-radius:10px;border:2px solid var(--ink);min-height:48px;cursor:pointer;transition:transform .15s,background .15s}
.btn:hover{background:var(--ink2);color:#fff;transform:translateY(-1px)}
.btn-amber{background:var(--amber);border-color:var(--amber);color:var(--ink)}
.btn-amber:hover{background:#f2b84b;border-color:#f2b84b;color:var(--ink)}
.btn-ghost{background:transparent;color:var(--ink);border-color:var(--ink)}
.btn-ghost:hover{background:var(--ink);color:#fff}
.btn-sm{padding:8px 16px;min-height:44px;font-size:1rem}
.cta-row{display:flex;flex-wrap:wrap;gap:12px;margin:1.4em 0}

.hero{background:radial-gradient(900px 500px at 80% 40%,#1b3352 0,var(--ink) 60%);color:#e9eef5;position:relative;overflow:hidden}
.hero-in{display:grid;grid-template-columns:1.05fr .95fr;gap:36px;align-items:center;padding-top:60px;padding-bottom:66px;position:relative;z-index:1}
.hero h1{color:#fff;font-size:clamp(2.3rem,5.2vw,3.7rem)}
.hero h1 span{display:block;color:var(--amber)}
.hero .kicker{color:var(--em-l)}
.hero .lede{color:#c9d3e0}
.hero .btn-ghost{color:#fff;border-color:#fff}.hero .btn-ghost:hover{background:#fff;color:var(--ink)}
.hero-art{width:100%;max-width:540px;margin:0 auto;--line:#d7dde6}
.trust{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:6px 18px;font-size:.98rem;color:#c9d3e0}
.trust li::before{content:"✓ ";color:var(--em-l);font-weight:700}
.hero-photo .hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.35}
@media (max-width:860px){.hero-in{grid-template-columns:1fr;padding-top:36px;padding-bottom:40px}.hero-visual{order:2}}

.sec{padding:68px 0}.sec-alt{background:#efede6}
.sec-ink{background:var(--ink);color:#d7deea}.sec-ink h2{color:#fff}.sec-ink .kicker{color:var(--em-l)}.sec-ink .sec-head p{color:#c3ccda}
.sec-head{max-width:760px;margin:0 0 30px}
.grid{display:grid;gap:20px}
.g2{grid-template-columns:repeat(auto-fill,minmax(340px,1fr))}
.g3{grid-template-columns:repeat(auto-fill,minmax(300px,1fr))}
.g4{grid-template-columns:repeat(auto-fill,minmax(240px,1fr))}
@media (max-width:380px){.g2,.g3{grid-template-columns:1fr}}
.card{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:22px;box-shadow:0 1px 2px rgba(0,0,0,.04)}
a.card{text-decoration:none;color:var(--text);display:flex;flex-direction:column;transition:transform .15s,box-shadow .15s}
a.card:hover{transform:translateY(-3px);box-shadow:0 14px 28px rgba(15,27,45,.12)}
.card p{color:var(--muted);font-size:1.02rem}
.card-tag{display:inline-flex;align-items:center;gap:6px;font-size:.82rem;font-weight:700;text-transform:uppercase;letter-spacing:.1em;color:var(--em-d);margin-bottom:.6em}
.more-link{margin-top:auto;display:inline-flex;align-items:center;gap:6px;font-weight:700;color:var(--em-d)}
.sec-card{padding:0;overflow:hidden}.sec-body{padding:22px;display:flex;flex-direction:column;flex:1}
.card-img{width:100%;height:auto;aspect-ratio:3/2;object-fit:cover}
.sec-ico{display:grid;place-items:center;width:58px;height:58px;border-radius:14px;background:var(--mint);color:var(--em-d);margin-bottom:12px}
.count{margin-top:auto;font-weight:700;color:var(--amber-d)}
.tool-card .ico-lg{color:var(--em);margin-bottom:10px}
.sec-ink .tool-card{background:var(--ink2);border-color:#2a3d57;color:#e5ebf3}
.sec-ink .tool-card h3{color:#fff}.sec-ink .tool-card p{color:#b9c4d4}.sec-ink .tool-card .ico-lg{color:var(--amber)}.sec-ink .more-link{color:var(--amber)}
.principle{display:grid;grid-template-columns:1.2fr 1fr;gap:40px;align-items:center}
@media (max-width:860px){.principle{grid-template-columns:1fr}}

.disclaim{display:flex;gap:12px;background:#fff8ea;border:1px solid #f0d49b;border-radius:12px;padding:16px 18px;margin:28px 0;font-size:1rem}
.disclaim .ico{color:var(--amber-d);margin-top:3px}.disclaim p{margin:0}

.page{padding:26px 20px 70px}
.page-head{max-width:840px;margin:8px 0 28px}
.lede{font-size:1.25rem;color:var(--muted)}
.byline{color:var(--muted);font-size:.97rem}
.hub-head{display:flex;gap:22px;align-items:flex-start}
.hub-ico{display:grid;place-items:center;width:84px;height:84px;border-radius:18px;background:var(--mint);color:var(--em-d);flex:none}
.hub-banner img{width:100%;height:auto;max-height:420px;object-fit:cover;border-radius:16px;margin:0 0 28px}
.hub-tools{margin-top:48px}
@media (max-width:600px){.hub-head{flex-direction:column}.hub-ico{width:64px;height:64px}}
.crumbs ol{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:6px;font-size:.95rem;color:var(--muted)}
.crumbs li+li::before{content:"›";margin-right:6px}.crumbs a{color:var(--muted)}
.art-grid{display:grid;grid-template-columns:minmax(0,1fr) 260px;gap:48px;align-items:start}
.art-solo{max-width:840px}
.prose{max-width:780px;min-width:0}
.prose h2{margin-top:1.6em;scroll-margin-top:90px}
.prose ul,.prose ol{padding-left:1.3em}.prose li{margin:.35em 0}
.prose table{border-collapse:collapse;width:100%;margin:1em 0 1.6em;font-size:1rem}
.prose th,.prose td{border:1px solid var(--line);padding:9px 12px;text-align:left;vertical-align:top}
.prose th{background:var(--mint)}
.table-wrap{overflow-x:auto;margin:1em 0 1.6em}.table-wrap table{margin:0}
.formula{font-family:var(--mono);background:var(--ink);color:#e7edf5;border-radius:10px;padding:14px 18px;font-size:1rem;overflow-x:auto;margin:1em 0}
.example{background:var(--mint);border-radius:12px;padding:16px 20px;margin:1.2em 0}
.example p:last-child{margin:0}
.callout{border-left:5px solid var(--amber);background:#fff;padding:14px 18px;border-radius:0 12px 12px 0;margin:1.2em 0}
.toc{position:sticky;top:96px;background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px 20px}
.toc-h{font-weight:700;margin:0 0 .4em}.toc ol{margin:0;padding-left:1.2em;font-size:.98rem}
@media (max-width:960px){.art-grid{grid-template-columns:minmax(0,1fr)}.art-grid aside{display:none}}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 18px;margin:10px 0}
.faq summary{font-weight:700;cursor:pointer}.faq details p{margin:.7em 0 0}
.sources ol{font-size:.98rem;padding-left:1.3em}.sources li{margin:.3em 0;word-break:break-word}
.more{margin-top:56px}
.cta-box{display:flex;align-items:center;gap:16px;background:#fff;border:2px solid var(--em);border-radius:14px;padding:16px 20px;text-decoration:none;color:var(--text);margin:1.4em 0}
.cta-box:hover{background:var(--mint)}
.cta-box .ico-lg{color:var(--em)}.cta-box>.ico{margin-left:auto;color:var(--em)}
.dl{display:flex;gap:20px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px;margin:0 0 16px;max-width:840px}
.dl .ico-xl{color:var(--em)}.dl h2{margin:0 0 .3em}
.jump{display:flex;flex-wrap:wrap;gap:6px;margin:0 0 20px}
.jump a{display:grid;place-items:center;min-width:40px;height:40px;border-radius:8px;background:#fff;border:1px solid var(--line);font-weight:700;text-decoration:none;color:var(--ink)}
.terms dt{font-weight:700;color:var(--ink);margin-top:1em;scroll-margin-top:90px}
.terms dd{margin:.2em 0 0 0;color:var(--text)}
.center-page{text-align:center;padding:80px 20px}.center-page .lede{margin:0 auto}

/* calculators */
.calc{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.1fr);gap:28px;align-items:start;max-width:1100px}
.calc form,.calc .results{background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px}
.calc label{display:grid;gap:6px;font-weight:700;margin-bottom:14px}
.calc .hint{font-weight:400;font-size:.95rem;color:var(--muted)}
.calc input,.calc select{font:inherit;padding:11px 12px;border:2px solid var(--line);border-radius:10px;background:#fff;width:100%}
.calc .row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.results h2{font-size:1.4rem}
.stat{display:flex;justify-content:space-between;gap:10px;padding:10px 0;border-bottom:1px solid var(--line)}
.stat span{color:var(--muted)}.stat strong{font-family:var(--mono);font-size:1.1rem;color:var(--ink)}
.stat.big strong{font-size:1.5rem;color:var(--em-d)}
.calc-note{font-size:.97rem;color:var(--muted);margin-top:12px}
.calc table{width:100%;border-collapse:collapse;font-size:.97rem;margin-top:12px}
.calc th,.calc td{padding:7px 8px;border-bottom:1px solid var(--line);text-align:right}.calc th:first-child,.calc td:first-child{text-align:left}
.tbl-scroll{max-height:320px;overflow:auto}
.payoff svg{width:100%;height:auto;background:#fbfbf9;border:1px solid var(--line);border-radius:10px;margin-top:12px}
.calc-help{grid-column:1/-1}
@media (max-width:860px){.calc{grid-template-columns:1fr}}

.sale-strip{background:#efede6;border-top:1px solid var(--line);font-size:1rem}
.sale-strip .wrap{display:flex;align-items:center;gap:8px;flex-wrap:wrap;padding-top:12px;padding-bottom:12px}.sale-strip a{font-weight:700}
.site-foot{background:var(--ink);color:#cfd7e3;padding:50px 0 24px}
.site-foot a{color:#fff}.site-foot .wm{color:#fff}.site-foot .logo-mark{color:#fff}
.foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:28px}
.foot-grid ul{list-style:none;padding:0;margin:0}.foot-grid li{margin:.35em 0}
.foot-h{font-family:var(--body);font-size:.92rem;text-transform:uppercase;letter-spacing:.12em;color:var(--em-l);margin:0 0 .6em}
.foot-tag{color:var(--amber);font-family:var(--head);font-size:1.2rem;margin:.8em 0 .4em}.foot-note{font-size:.98rem}
.foot-base{border-top:1px solid rgba(255,255,255,.15);margin-top:26px;padding-top:18px;font-size:.93rem;opacity:.85}
@media (max-width:820px){.foot-grid{grid-template-columns:1fr 1fr}.foot-grid>div:first-child{grid-column:1/-1}}
@media print{.site-head,.site-foot,.sale-strip,.toc,.crumbs{display:none!important}body{background:#fff}}
.form{display:grid;gap:14px;max-width:620px;margin:1em 0}
.form label{display:grid;gap:6px;font-weight:700}
.form input,.form textarea,.form select{font:inherit;padding:11px 12px;border:2px solid var(--line);border-radius:10px;background:#fff;color:var(--text)}
.form-msg{font-weight:700;color:var(--ink);margin:0}
.email-code{font-family:var(--mono);font-size:1.05rem;background:#fff;border:1px solid var(--line);padding:8px 12px;border-radius:8px}
.callout p:last-child,.disclaim p:last-child{margin:0}