:root{--ink:#17211b;--muted:#647069;--paper:#f6f7f2;--surface:#fff;--surface-2:#eef1ea;--line:#dce1d8;--brand:#176b4d;--brand-dark:#0e4b35;--brand-soft:#dff2e8;--accent:#f0a44b;--danger:#a43d39;--shadow:0 14px 42px #17211b14;--radius:18px;--radius-sm:11px;--container:1160px}*{box-sizing:border-box}.sr-only{clip:rect(0, 0, 0, 0);white-space:nowrap;border:0;width:1px;height:1px;margin:-1px;padding:0;position:absolute;overflow:hidden}html{scroll-behavior:smooth}body{color:var(--ink);background:var(--paper);text-rendering:optimizelegibility;margin:0;font-family:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif;font-size:16px;line-height:1.65}a{color:inherit;text-underline-offset:3px;text-decoration-thickness:1px}button,input,select,textarea{font:inherit}button{cursor:pointer}img,svg{max-width:100%;display:block}.container{width:min(calc(100% - 40px), var(--container));margin-inline:auto}.narrow{width:min(100% - 40px,780px);margin-inline:auto}.skip-link{z-index:100;background:var(--ink);color:#fff;border-radius:8px;padding:10px 14px;position:fixed;top:-100px;left:12px}.skip-link:focus{top:12px}.site-header{z-index:50;border-bottom:1px solid color-mix(in srgb, var(--line) 85%, transparent);background:color-mix(in srgb, var(--paper) 92%, transparent);-webkit-backdrop-filter:blur(14px);backdrop-filter:blur(14px);position:sticky;top:0}.header-inner{justify-content:space-between;align-items:center;gap:28px;min-height:72px;display:flex}.brand{letter-spacing:-.03em;align-items:center;gap:11px;font-weight:800;text-decoration:none;display:inline-flex}.brand-mark{color:#fff;background:var(--brand);border-radius:10px;grid-template-columns:1fr 1fr;place-items:center;width:36px;height:36px;font-size:14px;display:grid;box-shadow:inset 0 0 0 1px #ffffff2e}.brand-mark span{line-height:1}.main-nav{align-items:center;gap:28px;font-size:14px;font-weight:700;display:flex}.main-nav a{color:#35413a;text-decoration:none}.main-nav a:hover{color:var(--brand)}.hero{padding:88px 0 54px;overflow:hidden}.hero-grid{grid-template-columns:1.08fr .92fr;align-items:center;gap:54px;display:grid}.eyebrow{color:var(--brand);letter-spacing:.11em;text-transform:uppercase;margin:0 0 14px;font-size:13px;font-weight:800}h1,h2,h3{letter-spacing:-.035em;text-wrap:balance;margin:0;line-height:1.12}h1{font-size:clamp(2.55rem,6vw,5.25rem)}h2{font-size:clamp(1.75rem,3.2vw,2.7rem)}h3{font-size:1.15rem}.hero-copy{max-width:650px;color:var(--muted);margin:24px 0 32px;font-size:clamp(1.05rem,2vw,1.24rem)}.hero-actions{flex-wrap:wrap;gap:12px;display:flex}.button{background:var(--brand);color:#fff;border:1px solid #0000;border-radius:999px;justify-content:center;align-items:center;min-height:48px;padding:0 20px;font-weight:800;text-decoration:none;transition:all .18s;display:inline-flex}.button:hover{background:var(--brand-dark);transform:translateY(-1px)}.button.secondary{border-color:var(--line);background:var(--surface);color:var(--ink)}.button.secondary:hover{background:var(--surface-2);border-color:#aeb8ae}.hero-panel{color:#fff;min-height:410px;box-shadow:var(--shadow);background:#183c2f;border-radius:28px;padding:28px;position:relative;overflow:hidden}.hero-panel:before{content:"";background:var(--accent);opacity:.9;border-radius:50%;width:260px;height:260px;position:absolute;top:-100px;right:-80px}.hero-panel:after{content:"";border:34px solid #ffffff14;border-radius:42px;width:180px;height:180px;position:absolute;bottom:-80px;left:-60px;transform:rotate(22deg)}.mini-calc{z-index:2;border-radius:var(--radius);max-width:365px;color:var(--ink);background:#fff;margin:58px auto 0;padding:24px;position:relative;box-shadow:0 24px 60px #00000038}.mini-calc-top{justify-content:space-between;align-items:center;gap:12px;margin-bottom:22px;display:flex}.status-pill{color:var(--brand-dark);background:var(--brand-soft);text-transform:uppercase;letter-spacing:.06em;border-radius:99px;padding:5px 10px;font-size:11px;font-weight:800}.mock-input{border:1px solid var(--line);color:#657068;border-radius:10px;height:44px;margin-top:10px;padding:10px 12px}.mock-result{background:var(--brand-soft);border-radius:12px;margin-top:16px;padding:17px}.mock-result strong{color:var(--brand-dark);letter-spacing:-.04em;font-size:1.7rem;display:block}.trust-strip{padding:20px 0 64px}.trust-row{grid-template-columns:repeat(3,1fr);gap:14px;display:grid}.trust-item{border-top:1px solid var(--line);align-items:flex-start;gap:12px;padding:18px;display:flex}.trust-icon{color:var(--brand);font-weight:900}.trust-item strong{display:block}.trust-item span{color:var(--muted);font-size:14px}.section{padding:70px 0}.section-head{justify-content:space-between;align-items:end;gap:24px;margin-bottom:30px;display:flex}.section-head p{max-width:590px;color:var(--muted);margin:0}.tools-grid{grid-template-columns:repeat(3,1fr);gap:18px;display:grid}.tool-card{border:1px solid var(--line);border-radius:var(--radius);background:var(--surface);flex-direction:column;min-height:230px;padding:24px;text-decoration:none;transition:transform .18s,box-shadow .18s,border-color .18s;display:flex}.tool-card:hover{box-shadow:var(--shadow);border-color:#b8c5ba;transform:translateY(-3px)}.tool-card .category{background:var(--surface-2);color:var(--muted);text-transform:uppercase;letter-spacing:.06em;border-radius:99px;align-self:flex-start;margin-bottom:30px;padding:5px 9px;font-size:11px;font-weight:800}.tool-card h3{margin-bottom:9px}.tool-card p{color:var(--muted);margin:0;font-size:14px}.tool-card .card-link{color:var(--brand);margin-top:auto;padding-top:18px;font-weight:800}.category-work{border-top:4px solid #4387c2}.category-money{border-top:4px solid #d18d38}.category-health{border-top:4px solid #c26676}.category-daily{border-top:4px solid var(--brand)}.section-tint{background:#e9eee7}.principles{grid-template-columns:repeat(3,1fr);gap:20px;display:grid}.principle{border-top:2px solid var(--ink);padding:25px 0}.principle .number{color:var(--brand);font-size:13px;font-weight:900}.principle h3{margin:22px 0 10px}.principle p{color:var(--muted);margin:0}.page-hero{padding:58px 0 30px}.page-hero h1{max-width:880px;font-size:clamp(2.2rem,5vw,4.2rem)}.page-intro{max-width:760px;color:var(--muted);margin:20px 0 0;font-size:1.12rem}.breadcrumbs{color:var(--muted);flex-wrap:wrap;gap:8px;margin-bottom:22px;font-size:13px;display:flex}.breadcrumbs span[aria-hidden]{color:#a6afa8}.breadcrumbs a{text-decoration:none}.breadcrumbs a:hover{color:var(--brand)}.tool-layout{grid-template-columns:minmax(0,1.45fr) minmax(260px,.55fr);align-items:start;gap:28px;padding-bottom:36px;display:grid}.calculator-card{border:1px solid var(--line);background:var(--surface);box-shadow:var(--shadow);border-radius:24px;overflow:hidden}.calculator-head{border-bottom:1px solid var(--line);justify-content:space-between;align-items:center;gap:12px;padding:22px 26px;display:flex}.calculator-head p{color:var(--muted);margin:0;font-size:14px}.calculator-body{padding:26px}.form-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;display:grid}.form-grid.three{grid-template-columns:repeat(3,minmax(0,1fr))}.field{gap:7px;display:grid}.field.full{grid-column:1/-1}.field label,.field-label{color:#39453e;font-size:13px;font-weight:800}.input-wrap{position:relative}.field input,.field select,.field textarea{border-radius:var(--radius-sm);width:100%;min-height:49px;color:var(--ink);background:#fbfcfa;border:1px solid #cfd6ce;outline:none;padding:10px 13px;transition:border-color .16s,box-shadow .16s}.field textarea{resize:vertical;min-height:110px}.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--brand);box-shadow:0 0 0 3px #176b4d21}.field input[aria-invalid=true]{border-color:var(--danger)}.input-suffix{color:var(--muted);pointer-events:none;font-size:13px;position:absolute;top:50%;right:13px;transform:translateY(-50%)}.has-suffix input{padding-right:48px}.field-hint{color:var(--muted);font-size:12px}.segmented{background:var(--surface-2);border-radius:13px;flex-wrap:wrap;gap:8px;padding:5px;display:flex}.segmented button{min-height:39px;color:var(--muted);background:0 0;border:0;border-radius:9px;padding:7px 13px;font-size:13px;font-weight:800}.segmented button.active{color:var(--brand-dark);background:#fff;box-shadow:0 2px 7px #14281e1a}.result-panel{background:var(--brand-dark);color:#fff;border-radius:16px;margin-top:22px;padding:23px}.result-label{color:#bfe3d1;text-transform:uppercase;letter-spacing:.08em;font-size:12px;font-weight:800;display:block}.result-value{letter-spacing:-.055em;margin:5px 0;font-size:clamp(2rem,5vw,3.25rem);font-weight:900;line-height:1.05;display:block}.result-detail{color:#d9e9e1;margin:0}.result-grid{background:#ffffff2b;border:1px solid #ffffff1f;border-radius:12px;grid-template-columns:repeat(2,1fr);gap:1px;margin-top:18px;display:grid;overflow:hidden}.result-grid>div{background:#ffffff0d;padding:13px}.result-grid small{color:#bfe3d1;display:block}.result-grid strong{font-size:1.12rem}.result-light{background:var(--brand-soft);color:var(--ink)}.result-light .result-label,.result-light .result-detail{color:var(--brand-dark)}.result-light .result-grid{background:#0e4b3521;border-color:#0e4b351f}.result-light .result-grid>div{background:#ffffff80}.result-light .result-grid small{color:var(--muted)}.copy-row{justify-content:space-between;align-items:center;gap:12px;margin-top:16px;display:flex}.copy-button{color:inherit;background:0 0;border:1px solid #ffffff47;border-radius:99px;padding:7px 12px;font-size:12px;font-weight:800}.result-light .copy-button{border-color:#0e4b354d}.formula{color:#3d4942;overflow-wrap:anywhere;background:#f8faf7;border:1px dashed #b8c2b9;border-radius:12px;margin-top:18px;padding:14px 16px;font-family:ui-monospace,SFMono-Regular,Menlo,monospace;font-size:13px}.tool-aside{gap:16px;display:grid;position:sticky;top:92px}.aside-card{border:1px solid var(--line);border-radius:var(--radius);background:#ffffffa6;padding:21px}.aside-card h2{margin-bottom:12px;font-size:1.08rem}.aside-card p,.aside-card li{color:var(--muted);font-size:14px}.aside-card p:last-child{margin-bottom:0}.aside-card ul{margin:0;padding-left:19px}.content-wrap{grid-template-columns:minmax(0,1fr) 280px;gap:50px;padding:48px 0 84px;display:grid}.article-content{min-width:0}.article-content section{padding-top:54px}.article-content section:first-child{padding-top:0}.article-content h2{margin-bottom:18px;font-size:clamp(1.55rem,3vw,2.25rem)}.article-content h3{margin:28px 0 10px}.article-content p{color:#3f4b44}.article-content li{color:#3f4b44;margin:7px 0}.answer-box{border-left:4px solid var(--brand);background:var(--brand-soft);border-radius:0 13px 13px 0;margin:22px 0;padding:19px 21px}.answer-box p{color:var(--brand-dark);margin:0}.warning-box{border-left:4px solid var(--accent);background:#fff4e6;border-radius:0 13px 13px 0;margin:22px 0;padding:19px 21px}.warning-box p{color:#684314;margin:0}.data-table-wrap{border:1px solid var(--line);background:#fff;border-radius:13px;width:100%;margin:22px 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summary:after{content:"+";color:var(--brand);font-size:20px;position:absolute;right:0}.faq-list details[open] summary:after{content:"−"}.faq-list details p{margin:0 0 17px}.sources-list{padding-left:20px}.sources-list a{color:var(--brand-dark)}.related-grid{grid-template-columns:repeat(3,1fr);gap:14px;display:grid}.related-card{border:1px solid var(--line);background:#fff;border-radius:13px;padding:18px;text-decoration:none;display:block}.related-card strong{line-height:1.3;display:block}.related-card span{color:var(--muted);margin-top:7px;font-size:13px;display:block}.update-line{color:var(--muted);flex-wrap:wrap;gap:12px 22px;margin-top:22px;font-size:13px;display:flex}.guide-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;display:grid}.guide-card{border:1px solid var(--line);border-radius:var(--radius);background:#fff;padding:26px;text-decoration:none;display:block}.guide-card:hover{box-shadow:var(--shadow)}.guide-card .eyebrow{margin-bottom:10px}.guide-card p{color:var(--muted)}.steps{counter-reset:step;gap:18px;padding:0;list-style:none;display:grid}.steps li{padding-left:52px;position:relative}.steps li:before{counter-increment:step;content:counter(step);background:var(--brand);color:#fff;border-radius:50%;place-items:center;width:34px;height:34px;font-weight:900;display:grid;position:absolute;top:0;left:0}.template-box{border:1px solid var(--line);white-space:pre-line;background:#fff;border-radius:14px;padding:23px}.site-footer{color:#e9f0eb;background:#14241d;padding:62px 0 24px}.footer-grid{grid-template-columns:1.6fr 1fr 1fr;gap:50px;display:grid}.footer-brand{color:#fff}.footer-note{color:#aebdb4;max-width:400px}.footer-title{color:#fff;margin-top:0;font-weight:800}.footer-grid>div>a{color:#b8c5bd;margin:8px 0;font-size:14px;text-decoration:none;display:block}.footer-grid>div>a:hover{color:#fff}.footer-link-button{color:#b8c5bd;text-align:left;background:0 0;border:0;margin:8px 0;padding:0;font-size:14px;display:block}.footer-link-button:hover{color:#fff}.footer-bottom{color:#91a098;border-top:1px solid #ffffff1f;justify-content:space-between;gap:20px;margin-top:48px;padding-top:22px;font-size:12px;display:flex}.consent-banner{z-index:100;border:1px solid var(--line);border-radius:var(--radius);background:var(--surface);justify-content:space-between;align-items:center;gap:24px;width:min(100% - 40px,900px);margin-inline:auto;padding:20px;display:flex;position:fixed;bottom:20px;left:20px;right:20px;box-shadow:0 18px 60px #17211b38}.consent-banner strong{margin-bottom:4px;display:block}.consent-banner p{max-width:620px;color:var(--muted);margin:0;font-size:14px}.consent-actions{flex:none;gap:10px;display:flex}@media (max-width:920px){.hero-grid,.tool-layout,.content-wrap{grid-template-columns:1fr}.tools-grid{grid-template-columns:repeat(2,1fr)}.tool-aside,.toc{position:static}.toc{border:1px solid var(--line);border-radius:13px;order:-1;padding:18px}.toc a{margin-right:14px;display:inline-block}.hero{padding-top:56px}}@media (max-width:640px){.container,.narrow{width:min(calc(100% - 28px), var(--container))}.main-nav a:nth-child(3){display:none}.main-nav{gap:16px}.brand>span:last-child{font-size:14px}.hero-panel{min-height:350px;padding:18px}.mini-calc{margin-top:48px}.trust-row,.tools-grid,.principles,.guide-grid,.related-grid,.footer-grid{grid-template-columns:1fr}.section-head{flex-direction:column;align-items:start}.form-grid,.form-grid.three,.result-grid{grid-template-columns:1fr}.calculator-body,.calculator-head{padding-left:18px;padding-right:18px}.footer-bottom{flex-direction:column}.page-hero{padding-top:38px}.consent-banner{flex-direction:column;align-items:stretch}.consent-actions{grid-template-columns:1fr 1fr;display:grid}}@media (prefers-reduced-motion:reduce){*,:before,:after{scroll-behavior:auto!important;transition:none!important}}