:root{--ink:#173b33;--muted:#5e7068;--paper:#fafbf6;--mint:#eaf0de;--lime:#d6ee93;--line:#dbe3d7}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:Arial,Helvetica,sans-serif;font-size:16px;line-height:1.65}a{color:inherit;text-decoration:none}a:focus-visible,button:focus-visible,input:focus-visible,summary:focus-visible{outline:3px solid #5a9860;outline-offset:4px}.wrap{max-width:1232px;padding:0 40px;margin:auto}header{border-bottom:1px solid var(--line)}.top{height:100px;display:flex;align-items:center;justify-content:space-between;gap:30px}.brand{font-size:30px;letter-spacing:-1.7px;font-weight:800;display:flex;align-items:center;gap:10px}.brand-icon{width:36px;height:36px;display:grid;place-items:center;border-radius:12px;background:var(--ink);color:var(--lime);font-size:27px;line-height:1}.brand-dot{color:#659348;margin-left:-9px}nav{display:flex;gap:23px;font-size:14px}nav a:hover,.footer-links a:hover{color:#6a8a43}.calc-link{border:1px solid var(--ink);border-radius:30px;padding:9px 17px;font-size:13px;font-weight:600}.eyebrow{text-transform:uppercase;font-size:11px;letter-spacing:1.8px;font-weight:700;color:var(--muted)}.hero{padding:83px 0 68px;display:grid;grid-template-columns:1.3fr 1fr;gap:74px;align-items:center}h1{font-size:58px;line-height:1.11;letter-spacing:-2.8px;margin:22px 0 28px;font-weight:500}h1 em{font-style:normal;color:#6b8f45}.lead{font-size:18px;line-height:1.7;max-width:660px;color:var(--muted)}.hero-actions{display:flex;align-items:center;gap:25px;margin:32px 0}.button{display:inline-block;border:0;background:var(--ink);color:white;border-radius:28px;padding:15px 23px;font-size:14px;font-weight:600;cursor:pointer;line-height:1.5}.button:hover{background:#2c584a}.text-link{font-size:14px;border-bottom:1px solid var(--ink)}.trust{display:flex;gap:22px;font-size:11px;color:var(--muted)}.trust span:before{content:'✓';margin-right:7px;color:#537635}.hero-note{padding:35px 35px 25px;background:var(--mint);border-radius:22px;position:relative}.hero-note h2{font-size:29px;font-weight:500;letter-spacing:-1px;line-height:1.25;margin:20px 0 30px}.hero-note p{font-size:12px;color:var(--muted)}.hero-note>a{display:inline-block;font-size:13px;font-weight:600;margin-top:6px}.example>div{display:flex;justify-content:space-between;padding:13px 0;border-bottom:1px solid #cedbc2;font-size:14px}.example .balance{font-size:17px;border:0}.example b{font-weight:600}.block{padding:28px 0 56px}.section-title{display:flex;justify-content:space-between;align-items:center;gap:20px;margin-bottom:24px}.section-title h2{font-size:28px;font-weight:500;letter-spacing:-1px;margin:0}.section-title span,.section-title>a{font-size:13px;color:var(--muted)}.topics{display:grid;grid-template-columns:repeat(4,1fr);border-left:1px solid var(--line);border-top:1px solid var(--line);border-radius:14px;overflow:hidden}.topics>a{padding:24px;border-right:1px solid var(--line);border-bottom:1px solid var(--line);position:relative;min-height:180px}.topics>a:hover{background:var(--mint)}.topics span{font-size:11px;color:#8a9b87}.topics h3{font-size:18px;font-weight:500;letter-spacing:-.4px;margin:16px 0 6px}.topics p{font-size:12px;line-height:1.6;color:var(--muted);margin:0;padding-right:10px}.topics b{position:absolute;right:18px;top:21px}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:19px}.card{display:flex;flex-direction:column;border:1px solid var(--line);border-radius:15px;padding:27px;min-height:280px;background:#fff}.card:hover{border-color:#859c73;background:#f2f6e9}.card h3{font-size:21px;font-weight:500;line-height:1.35;letter-spacing:-.6px;margin:18px 0 12px}.card p{font-size:13px;color:var(--muted);line-height:1.7;margin:0 0 20px}.arrow{margin-top:auto;font-size:12px;font-weight:600}.bottom-banner{background:var(--ink);border-radius:18px;color:#fff;padding:40px;display:flex;align-items:center;justify-content:space-between;gap:25px;margin:15px 0 70px}.bottom-banner .eyebrow{color:#b6c9a1}.bottom-banner h2{font-size:30px;line-height:1.3;font-weight:500;margin:15px 0 0;letter-spacing:-1px}.bottom-banner .button{background:var(--lime);color:var(--ink);white-space:nowrap}footer{background:#edf1e6;padding:40px 0 30px}.footer-top{display:flex;align-items:center;gap:60px}.footer-top p{font-size:13px;color:var(--muted)}.footer-links{display:flex;gap:28px;font-size:12px;margin:25px 0}.fine{font-size:12px;color:var(--muted);max-width:900px}.crumb{padding:28px 0 5px;font-size:12px;color:var(--muted)}.page-heading{padding:30px 0 15px;max-width:890px}.page-heading h1{font-size:44px;letter-spacing:-1.9px}.meta{font-size:12px;color:var(--muted);margin:0 0 35px}.article-layout{display:grid;grid-template-columns:minmax(0,740px) 1fr;gap:70px;margin-bottom:40px}.prose{max-width:740px;padding-bottom:40px}.prose h2{font-size:25px;font-weight:500;line-height:1.35;letter-spacing:-.6px;margin:34px 0 16px}.prose p{font-size:16px;color:#344b40;margin:0 0 20px;line-height:1.85}.prose a{text-decoration:underline;text-underline-offset:3px}.prose ul,.prose ol{padding-left:22px}.prose li{margin:8px 0}.toc{position:sticky;top:25px;align-self:start;border-left:1px solid var(--line);padding-left:25px;font-size:13px}.toc>a{display:block;margin-top:18px}.toc .button{font-size:12px;margin-top:30px}.checklist{background:var(--mint);border-radius:15px;padding:6px 26px 22px;margin-top:30px}.spotlight{padding:28px 32px;background:var(--mint);border-radius:16px;margin:20px 0 45px}.spotlight h2{font-size:27px;line-height:1.3;font-weight:500;margin:0 0 24px}.three{display:grid;grid-template-columns:repeat(3,1fr);gap:30px}.three b{font-size:14px;font-weight:600}.three p{font-size:13px;color:var(--muted)}.calculator{display:grid;grid-template-columns:1fr 1fr;gap:50px;background:var(--mint);border-radius:20px;padding:35px;margin:20px 0 30px}#calc-form{display:grid;gap:12px}#calc-form label{font-size:13px}input{padding:13px 16px;border:1px solid #bac9b1;border-radius:8px;font:inherit;background:#fff;color:var(--ink);min-width:0}#calc-form button{margin-top:10px;justify-self:start}.calc-result>strong{display:block;font-size:44px;letter-spacing:-1.5px;margin:20px 0}.schedule{margin-bottom:45px}.schedule summary{cursor:pointer;padding:15px 0;font-weight:600}.table-scroll{overflow:auto;max-height:450px}table{width:100%;border-collapse:collapse;font-size:13px}th,td{text-align:right;padding:12px 16px;border-bottom:1px solid var(--line);white-space:nowrap}th:first-child,td:first-child{text-align:left}.archive-alert{background:#fff2db;padding:24px 28px;border-radius:14px;margin:20px 0 30px;font-size:14px}.archive-alert a{text-decoration:underline}.archive-text p{font-size:14px;margin-bottom:9px}.archive-list{display:grid;gap:0;margin:20px 0 60px}.archive-list a{padding:16px 0;border-bottom:1px solid var(--line)}.skip{position:absolute;top:-100px;left:15px;background:white;padding:10px;z-index:10}.skip:focus{top:10px}@media(max-width:980px){.wrap{padding:0 25px}.top{gap:15px}nav{gap:13px;font-size:12px}.calc-link{display:none}.hero{gap:35px}.hero h1{font-size:46px}.topics{grid-template-columns:repeat(3,1fr)}.article-layout{gap:35px}.cards{grid-template-columns:repeat(2,1fr)}}@media(max-width:640px){.wrap{padding:0 20px}.top{height:auto;min-height:90px;flex-wrap:wrap;justify-content:flex-start;padding-top:18px;padding-bottom:15px;gap:15px}.brand{font-size:27px}nav{width:100%;overflow:auto;white-space:nowrap;gap:18px;padding-bottom:2px}.hero{grid-template-columns:1fr;padding:45px 0;gap:30px}h1,.hero h1{font-size:43px;letter-spacing:-2px}.lead{font-size:16px}.hero-actions{gap:18px;flex-wrap:wrap}.hero-note{padding:28px}.topics{grid-template-columns:repeat(2,1fr)}.topics>a{padding:20px;min-height:180px}.topics h3{font-size:16px}.cards{grid-template-columns:1fr}.card{min-height:230px}.section-title h2{font-size:25px}.section-title span{display:none}.bottom-banner{padding:28px;flex-direction:column;align-items:flex-start}.bottom-banner h2{font-size:26px}.footer-top{gap:25px}.footer-links{flex-wrap:wrap;gap:12px 22px}.page-heading h1{font-size:34px;letter-spacing:-1.4px}.article-layout{display:flex;flex-direction:column}.toc{order:-1;position:static;border:1px solid var(--line);padding:20px;border-radius:12px}.toc .button{display:none}.three{grid-template-columns:1fr;gap:12px}.calculator{grid-template-columns:1fr;padding:25px;gap:30px}.calc-result>strong{font-size:37px}.spotlight{padding:25px}.trust{gap:14px;font-size:10px}}
