@font-face{font-family:DM;src:url('/assets/dm-sans-400.woff2') format('woff2');font-weight:400;font-display:swap}@font-face{font-family:DM;src:url('/assets/dm-sans-600.woff2') format('woff2');font-weight:600;font-display:swap}@font-face{font-family:DM;src:url('/assets/dm-sans-700.woff2') format('woff2');font-weight:700;font-display:swap}
:root{--ink:#142529;--muted:#536368;--blue:#1748dc;--blue-dark:#1138ae;--ice:#eef3ff;--line:#d9e0e3;--fog:#f4f6f7;--green:#d8f5c4;--white:#fff;--amber:#fff1f0;--radius:8px}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:100px}body{margin:0;background:#fff;color:var(--ink);font:17px/1.65 DM,Arial,sans-serif}a{color:inherit;text-decoration-thickness:1px;text-underline-offset:4px}button,input,select,textarea{font:inherit}button,a,input,select,summary,textarea{-webkit-tap-highlight-color:transparent}button{cursor:pointer}button:disabled{cursor:not-allowed;opacity:.5}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible,textarea:focus-visible{outline:3px solid var(--blue);outline-offset:4px}h1,h2,h3,h4,p{margin-top:0}h1,h2{font-family:Georgia,'Times New Roman',serif;font-weight:400;letter-spacing:-.045em;line-height:1.06}h1{font-size:clamp(44px,5.5vw,78px);max-width:950px;margin-bottom:26px}h2{font-size:clamp(34px,3.8vw,52px);margin-bottom:24px}h3{font-size:23px;letter-spacing:-.025em;line-height:1.3;margin-bottom:12px}h4{font-size:18px;margin-bottom:8px}p{margin-bottom:20px}ul,ol{padding-left:23px}li{margin-bottom:8px}small,.small{font-size:13px;line-height:1.6}.muted{color:var(--muted)}.wrap{max-width:1280px;margin:auto;padding:0 52px}.skip{position:fixed;left:12px;top:-80px;z-index:500;background:white;padding:10px}.skip:focus{top:10px}.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:11px;line-height:1.5;font-weight:700;display:block;margin-bottom:18px}.blue{color:var(--blue)}.serif{font-family:Georgia,serif;font-weight:400}.site-head{height:92px;border-bottom:1px solid var(--line);background:rgba(255,255,255,.97);position:relative;z-index:50}.head-inner{height:100%;display:flex;align-items:center;justify-content:space-between;gap:26px}.brand{display:inline-flex;align-items:center;gap:11px;font-size:25px;font-weight:700;letter-spacing:-1.2px;text-decoration:none;white-space:nowrap}.brand svg{width:30px;height:34px}.brand-dot{color:var(--blue)}nav{display:flex;align-items:center;gap:27px}nav a{font-size:14px;text-decoration:none;font-weight:600}nav a:hover{color:var(--blue)}nav a[aria-current=page]{color:var(--blue)}.head-actions{display:flex;gap:15px;align-items:center}.button{display:inline-flex;justify-content:center;align-items:center;gap:18px;min-height:48px;padding:12px 22px;border:1px solid var(--blue);border-radius:4px;background:var(--blue);color:white;text-decoration:none;font-size:14px;font-weight:600;line-height:1.35;transition:background .15s,transform .15s}.button:hover{background:var(--blue-dark);transform:translateY(-1px)}.button.light{background:white;color:var(--blue);border-color:var(--line)}.button.light:hover{background:var(--ice);border-color:var(--blue)}.button.dark{background:var(--ink);border-color:var(--ink)}.button.text{background:transparent;color:var(--ink);border-color:transparent;padding-left:0}.button.big{min-height:56px;padding:16px 25px}.button svg{width:18px;height:18px}.menu-button{display:none;border:1px solid var(--line);background:white;width:44px;height:44px;border-radius:4px}.hero{padding:68px 0 0}.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:70px;align-items:center}.hero h1{font-size:clamp(56px,6.35vw,88px);margin-bottom:26px}.hero h1 em{color:var(--blue);font-style:normal}.hero-copy{max-width:500px;color:var(--muted);font-size:18px;line-height:1.65}.hero-action{display:flex;align-items:center;gap:22px;margin:30px 0 15px}.quiet-note{font-size:12px;color:var(--muted)}.start-panel{position:relative;background:var(--ice);border:1px solid #d9e3ff;padding:30px 30px 18px;border-radius:8px}.panel-title{display:flex;justify-content:space-between;align-items:center;margin-bottom:17px}.panel-title .eyebrow{margin:0}.round-icon{display:grid;place-items:center;width:38px;height:38px;border:1px solid #becdfa;border-radius:50%;color:var(--blue)}.stage-link{display:grid;grid-template-columns:33px 1fr 18px;gap:12px;align-items:center;padding:18px 0;border-top:1px solid #cfdbfa;text-decoration:none}.stage-link .stage-n{font:16px Georgia,serif;color:#6375a2}.stage-link strong{display:block;font-size:17px;font-weight:600}.stage-link span.sub{display:block;font-size:12px;color:#536482;margin-top:3px}.stage-link:hover strong{color:var(--blue)}.stage-link .arrow{color:var(--blue)}.urgent-line{display:flex;gap:13px;align-items:center;margin-top:46px;padding:19px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line);font-size:13px}.urgent-line a{margin-left:auto;font-weight:600;white-space:nowrap}.urgent-dot{width:8px;height:8px;border-radius:50%;background:var(--blue);flex-shrink:0}.section{padding:80px 0}.section.soft{background:var(--fog)}.section.bluewash{background:var(--ice)}.section-top{display:flex;justify-content:space-between;align-items:flex-end;gap:45px;margin-bottom:34px}.section-top h2{max-width:650px;margin:0}.section-top p{max-width:330px;color:var(--muted);margin:0;font-size:15px}.section-top>a{font-size:14px;white-space:nowrap;font-weight:600}.debt-grid{display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid var(--line);border-left:1px solid var(--line)}.debt-tile{padding:25px 23px;min-height:170px;border-right:1px solid var(--line);border-bottom:1px solid var(--line);text-decoration:none;display:flex;flex-direction:column;background:white;transition:background .15s}.debt-tile:hover{background:var(--ice)}.debt-tile .symbol{font:25px Georgia,serif;color:var(--blue);margin-bottom:16px}.debt-tile strong{font-size:17px;line-height:1.4;margin-bottom:5px;font-weight:600}.debt-tile small{color:var(--muted)}.debt-tile .tile-arrow{margin-top:auto;align-self:flex-end;color:var(--blue);line-height:1}.section-note{display:flex;justify-content:space-between;gap:25px;margin-top:20px;font-size:13px;color:var(--muted)}.method-row{display:grid;grid-template-columns:repeat(3,1fr);gap:40px;margin-top:40px}.method{padding-top:25px;border-top:2px solid var(--ink)}.method-n{font:38px Georgia,serif;color:var(--blue);display:block;margin-bottom:32px}.method p{font-size:15px;color:var(--muted)}.method a{font-size:14px;font-weight:600}.tool-feature{display:grid;grid-template-columns:.95fr 1.05fr;background:var(--ink);color:white;border-radius:8px;overflow:hidden}.tool-feature-copy{padding:50px}.tool-feature-copy p{color:#b7c9cf;font-size:15px}.tool-feature-copy h2{font-size:46px}.tool-feature-copy .button{background:var(--green);border-color:var(--green);color:var(--ink);margin-top:10px}.ledger-preview{padding:40px 45px;background:#20373d}.ledger-paper{background:white;color:var(--ink);padding:25px 28px;transform:rotate(2deg);box-shadow:0 10px 25px #10282d55}.ledger-line{display:flex;justify-content:space-between;gap:20px;border-bottom:1px solid var(--line);padding:14px 0;font-size:13px}.ledger-line.total{font-size:25px;border:0}.ledger-line .green-tag{background:var(--green);padding:2px 7px;font:12px DM}.bar-chart{display:flex;gap:9px;align-items:flex-end;height:100px;border-bottom:1px solid #bac7cc;padding-top:15px}.bar-chart span{flex:1;background:var(--blue);height:var(--h)}.ledger-paper>.small{margin:13px 0 0;color:var(--muted);font-size:10px}.link-list{border-top:1px solid var(--line)}.link-row{display:grid;grid-template-columns:48px 1fr auto;gap:20px;align-items:center;text-decoration:none;padding:24px 0;border-bottom:1px solid var(--line)}.link-row:hover h3{color:var(--blue)}.link-row h3{font-size:21px;margin:0 0 5px}.link-row p{margin:0;color:var(--muted);font-size:14px}.link-row>span:first-child{font:24px Georgia,serif;color:var(--blue)}.guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:30px}.guide-card{border-top:2px solid var(--blue);padding:25px 0;text-decoration:none}.guide-card h3{font:29px/1.18 Georgia,serif;letter-spacing:-.03em}.guide-card p{font-size:14px;color:var(--muted)}.guide-card .eyebrow{color:var(--blue)}.bottom-cta{display:flex;align-items:center;justify-content:space-between;gap:40px;border-top:1px solid var(--line);padding:55px 0}.bottom-cta h2{font-size:40px;margin-bottom:10px}.bottom-cta p{font-size:15px;color:var(--muted);margin:0}.site-footer{background:#11282e;color:#d2dfe3;padding:50px 0 25px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:45px}.site-footer .brand{color:white}.site-footer p{font-size:13px;color:#9eb4bc;max-width:340px;margin-top:20px}.site-footer h3{font-size:12px;letter-spacing:.12em;text-transform:uppercase;color:#9eb4bc;margin-bottom:20px}.site-footer a{display:block;font-size:13px;text-decoration:none;margin-bottom:9px}.site-footer a:hover{text-decoration:underline}.site-footer .brand{display:inline-flex}.footer-bottom{border-top:1px solid #30474e;margin-top:30px;padding-top:24px;display:flex;justify-content:space-between;font-size:11px;color:#9eb4bc;gap:25px}.breadcrumb{font-size:12px;color:var(--muted);margin:28px 0}.breadcrumb a{text-decoration:none}.page-hero{padding:25px 0 48px;border-bottom:1px solid var(--line)}.page-hero p{max-width:740px;font-size:19px;color:var(--muted);margin-bottom:0}.page-hero .eyebrow{color:var(--blue)}.article-layout{display:grid;grid-template-columns:235px minmax(0,1fr);gap:65px;align-items:start;padding:52px 0 70px}.article-sidebar{position:sticky;top:25px}.article-sidebar .eyebrow{color:var(--muted);font-size:10px}.article-sidebar a{display:block;font-size:13px;padding:9px 0;text-decoration:none;border-bottom:1px solid var(--line)}.article-body{max-width:800px}.article-body h2{font-size:36px;letter-spacing:-.035em;line-height:1.17;margin-top:45px}.article-body h2:first-child{margin-top:0}.article-body h3{font-size:22px;margin-top:30px}.article-body p,.article-body li{font-size:16px;color:#354a50}.takeaway{border-left:4px solid var(--blue);background:var(--ice);padding:25px 28px;margin-bottom:35px}.takeaway .eyebrow{color:var(--blue);margin-bottom:10px}.takeaway p{margin:0;color:var(--ink);font-size:18px}.checklist{list-style:none;padding:0}.checklist li{padding:15px 0 15px 28px;border-bottom:1px solid var(--line);position:relative}.checklist li:before{content:'✓';position:absolute;left:0;color:var(--blue);font-weight:600}.notice{background:var(--fog);padding:23px 25px;border:1px solid var(--line);border-radius:5px;margin:25px 0}.notice.warning{background:var(--amber);border-color:#e5c7c5}.notice p:last-child{margin-bottom:0}.notice h3{margin:0 0 8px;font-size:19px}.source-list{border-top:1px solid var(--line);margin-top:40px;padding-top:25px}.source-list h2{font:24px DM;margin:0 0 15px;letter-spacing:-.02em}.source-list ol{font-size:12px;line-height:1.6}.source-list li{margin-bottom:12px}.source-list a{color:var(--blue)}.source-list p{font-size:11px;color:var(--muted)}.card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:23px}.card{border:1px solid var(--line);padding:27px;border-radius:5px;background:#fff;text-decoration:none}.card:hover{border-color:var(--blue)}.card .eyebrow{color:var(--blue)}.card h3{font:28px/1.18 Georgia,serif;letter-spacing:-.03em}.card p{color:var(--muted);font-size:14px}.card .card-link{font-size:13px;font-weight:600;color:var(--blue)}.filter-bar{display:flex;gap:18px;align-items:flex-end;margin:30px 0}.filter-bar>div{flex:1}.filter-bar select{max-width:300px}.field label,.filter-bar label{display:block;font-size:13px;font-weight:600;margin-bottom:8px}.field input,.field select,.field textarea,.filter-bar input,.filter-bar select{width:100%;padding:13px 14px;min-height:49px;border:1px solid #afbdc3;border-radius:4px;background:white;color:var(--ink)}.field input:focus,.field select:focus{border-color:var(--blue)}.field small{display:block;color:var(--muted);font-size:12px;margin-top:5px}.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:5px;margin:30px 0}table{border-collapse:collapse;width:100%;min-width:650px;text-align:left;font-size:14px}th{background:var(--ice);color:var(--ink);font-size:12px;font-weight:600;padding:18px}td{padding:20px 18px;border-top:1px solid var(--line);vertical-align:top;color:#41565d}td:first-child{font-weight:600;color:var(--ink)}td a{color:var(--blue)}caption{text-align:left;padding:16px;font-size:13px;color:var(--muted)}.tool-shell{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}.tool-form{border:1px solid var(--line);padding:32px;border-radius:6px}.tool-form h2{font:25px DM;letter-spacing:-.025em;margin:0 0 25px}.field{margin-bottom:20px}.field-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}.tool-result{background:var(--ice);padding:34px;border:1px solid #d8e1ff;border-radius:6px;min-height:260px;position:sticky;top:25px}.result-amount{font:48px Georgia,serif;letter-spacing:-.04em;margin:14px 0;line-height:1.2;color:var(--blue)}.result-label{color:var(--muted);font-size:13px}.metric-row{display:flex;justify-content:space-between;gap:20px;padding:15px 0;border-top:1px solid #cedaf8;font-size:14px}.metric-row strong{font-weight:600}.form-error{color:#a02b26;font-size:14px}.tool-result .small{font-size:12px;color:var(--muted)}.tool-result h3{margin-bottom:15px}.tool-assumptions{border-top:1px solid var(--line);padding-top:30px;margin-top:40px;font-size:13px;color:var(--muted);max-width:850px}.tool-assumptions h3{color:var(--ink);font-size:18px}.plan-shell{max-width:900px;margin:auto}.progress{display:flex;gap:6px;margin:0 0 35px;padding:0;list-style:none}.progress li{height:4px;background:var(--line);flex:1;margin:0}.progress li.active{background:var(--blue)}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.choice-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}.choice{display:block;border:1px solid var(--line);padding:22px;border-radius:5px;cursor:pointer}.choice:has(input:checked){background:var(--ice);border-color:var(--blue)}.choice input{margin-right:10px;accent-color:var(--blue)}.choice strong{font-size:16px}.choice small{display:block;color:var(--muted);margin-top:6px}.plan-nav{display:flex;justify-content:space-between;margin-top:30px}.plan-summary{padding:30px;border:1px solid var(--line);border-radius:5px;margin:25px 0}.plan-summary h2{font-size:34px}.plan-actions{display:flex;gap:13px;flex-wrap:wrap}.resource-row{display:grid;grid-template-columns:1fr 2fr auto;gap:35px;padding:27px 0;border-bottom:1px solid var(--line);align-items:start}.resource-row h3{font-size:20px}.resource-row p{font-size:14px;color:var(--muted);margin-bottom:0}.resource-row a{font-size:14px;color:var(--blue)}.empty{font-size:15px;color:var(--muted);padding:30px 0}.tag{display:inline-block;background:var(--ice);color:var(--blue);font-size:11px;padding:3px 8px;border-radius:3px;margin-bottom:15px}.search-page-input{font-size:22px!important;padding:20px!important}.search-result{border-bottom:1px solid var(--line);padding:22px 0}.search-result h2{font:26px Georgia;margin:0 0 7px}.search-result p{font-size:14px;color:var(--muted);margin:0}.search-result .eyebrow{font-size:10px;margin:0 0 8px}.details-group details{padding:20px 0;border-bottom:1px solid var(--line)}summary{cursor:pointer;font-size:18px;font-weight:600}details p{margin:15px 0 0;color:var(--muted);font-size:15px}.print-only{display:none}[hidden]{display:none!important}.no-results{padding:25px;background:var(--fog)}
@media(min-width:1500px){.wrap{max-width:1400px}}@media(max-width:1100px){.wrap{padding:0 32px}nav{gap:18px}.head-actions .search-head{display:none}.hero-grid{gap:35px}.hero h1{font-size:68px}.start-panel{padding:24px}.stage-link{padding:16px 0}.debt-grid{grid-template-columns:repeat(4,1fr)}.article-layout{grid-template-columns:190px 1fr;gap:35px}.tool-feature-copy{padding:35px}.ledger-preview{padding:35px}.card-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:800px){body{font-size:16px}.wrap{padding:0 24px}.site-head{height:75px}.brand{font-size:23px}.brand svg{width:26px}.head-actions>.button{display:none}.menu-button{display:block}.head-inner{gap:15px}.site-head nav{display:none;position:absolute;top:74px;left:0;right:0;background:white;box-shadow:0 15px 15px #14252912;padding:15px 24px 25px;border-bottom:1px solid var(--line)}.site-head nav.open{display:flex;flex-direction:column;align-items:stretch;gap:0}.site-head nav a{padding:13px 0;border-bottom:1px solid var(--line);font-size:16px}.hero{padding-top:38px}.hero-grid{grid-template-columns:1fr;gap:32px}.hero h1{font-size:63px;max-width:650px}.hero-copy{font-size:17px}.hero-action{margin-top:23px;gap:15px}.start-panel{padding:25px 25px 12px}.stage-link{padding:16px 0}.hero .quiet-note{margin-bottom:0}.urgent-line{margin-top:28px;flex-wrap:wrap;gap:8px 10px;line-height:1.5}.urgent-line a{margin-left:18px}.section{padding:55px 0}.section-top{display:block;margin-bottom:27px}.section-top h2{margin-bottom:15px}.section-top p{max-width:600px}.section-top>a{display:inline-block;margin-top:14px}.debt-grid{grid-template-columns:repeat(2,1fr)}.debt-tile{min-height:155px;padding:20px}.section-note{display:block}.section-note a{display:inline-block;margin-top:8px}.method-row{gap:25px;margin-top:30px}.method-n{margin-bottom:20px}.method h3{font-size:20px}.tool-feature{grid-template-columns:1fr}.tool-feature-copy{padding:32px}.tool-feature-copy h2{font-size:40px}.ledger-preview{padding:35px 50px}.guide-grid{grid-template-columns:1fr;gap:5px}.guide-card{padding:25px 0 20px}.guide-card h3{font-size:30px}.bottom-cta{display:block;padding:40px 0}.bottom-cta .button{margin-top:22px}.footer-grid{grid-template-columns:1fr 1fr;gap:30px}.footer-grid>div:first-child{grid-column:1/-1}.footer-bottom{display:block}.footer-bottom span{display:block;margin-bottom:12px}.page-hero{padding:18px 0 32px}.page-hero h1{font-size:51px}.page-hero p{font-size:17px}.article-layout{display:block;padding-top:32px}.article-sidebar{position:static;margin-bottom:35px;display:flex;gap:15px;overflow:auto;padding-bottom:12px}.article-sidebar .eyebrow{display:none}.article-sidebar a{font-size:12px;white-space:nowrap}.article-body h2{font-size:32px;margin-top:35px}.takeaway{padding:22px}.card-grid{gap:17px}.tool-shell{grid-template-columns:1fr;gap:24px}.tool-form{padding:24px}.tool-result{position:static;padding:27px}.filter-bar{flex-direction:column;align-items:stretch;gap:15px}.filter-bar select{max-width:none}.filter-bar>div{width:100%}.resource-row{grid-template-columns:1fr;gap:10px;padding:22px 0}.resource-row h3{margin-bottom:0}.choice-grid{grid-template-columns:1fr}.choice{padding:18px}.plan-summary{padding:24px}.link-row{grid-template-columns:30px 1fr 15px;gap:10px}.link-row h3{font-size:19px}.tool-assumptions{margin-top:30px}table{min-width:720px}}
@media(max-width:480px){.hero h1{font-size:53px;letter-spacing:-.05em}.hero-action{align-items:stretch;flex-direction:column;gap:7px}.hero-action .button.text{justify-content:flex-start;padding-top:8px;padding-bottom:8px;min-height:38px}.hero-copy{font-size:16px}.start-panel{padding:22px 20px 10px}.stage-link strong{font-size:16px}.stage-link span.sub{font-size:11px}.section-top h2{font-size:37px}.debt-tile{padding:20px 16px;min-height:167px}.debt-tile strong{font-size:16px}.debt-tile small{font-size:12px}.method-row{grid-template-columns:1fr;gap:30px}.method{position:relative;padding-left:55px;padding-top:20px}.method-n{position:absolute;left:0;top:20px;font-size:30px}.method p{margin-bottom:12px}.method h3{font-size:23px}.ledger-preview{padding:30px}.ledger-paper{padding:22px}.card-grid{grid-template-columns:1fr}.card{padding:24px}.page-hero h1{font-size:43px}.field-grid{grid-template-columns:1fr;gap:0}.footer-grid{gap:25px}.source-list ol{padding-left:18px}.bottom-cta h2{font-size:35px}.hero .eyebrow{font-size:10px}.result-amount{font-size:44px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}@media print{body{font:11pt/1.5 Arial;color:#000}.site-head,.site-footer,.article-sidebar,.breadcrumb,.bottom-cta,.no-print,.plan-nav,.tool-form,.hero-action{display:none!important}.wrap{max-width:none;padding:0}h1{font-size:32pt}h2{font-size:22pt}.section{padding:20px 0}.page-hero{padding:10px 0}.article-layout,.tool-shell{display:block}.tool-result{position:static;background:white;border:1px solid #ccc}.source-list a:after{content:' (' attr(href) ')';font-size:8pt;word-break:break-all}.print-only{display:block}.plan-summary,.takeaway,.notice{break-inside:avoid}.card-grid{display:block}.button{display:none!important}}
@media(min-width:801px) and (max-width:1050px){.menu-button{display:block}.head-actions>.button{display:none}.site-head nav{display:none;position:absolute;top:91px;left:0;right:0;background:white;padding:15px 32px 25px;border-bottom:1px solid var(--line);box-shadow:0 15px 15px #14252912}.site-head nav.open{display:flex;flex-direction:column;align-items:stretch;gap:0}.site-head nav a{padding:13px 0;border-bottom:1px solid var(--line);font-size:16px}}

#calculator-fields{border:0;margin:0;padding:0;min-width:0}

.site-footer .brand{font-size:25px}
