@charset "UTF-8";
:root{--ink:#142b42;--paper:#f8f7f3;--line:#d9dedf;--muted:#526270;--copper:#a45431;--pale:#edf1f2;--white:#fff;--max:1240px}*{box-sizing:border-box}body{margin:0;background:var(--paper);color:var(--ink);font:16px/1.65 Arial,Helvetica,sans-serif}a{color:inherit;text-decoration:none}a:hover{text-decoration:underline;text-underline-offset:4px}button,input,select{font:inherit}button,a,input,select{touch-action:manipulation}button{cursor:pointer}img{max-width:100%;display:block;object-fit:cover}h1,h2,h3,p{margin:0}h1,h2,h3{line-height:1.12;letter-spacing:-.035em;overflow-wrap:anywhere}h1{font-size:clamp(36px,5vw,70px);font-weight:600}h2{font-size:clamp(28px,3vw,42px);font-weight:500}h3{font-size:23px;font-weight:500}p+p{margin-top:18px}.wrap{max-width:var(--max);margin:auto;padding:0 40px}.skip{position:absolute;top:-80px;left:12px;z-index:9;background:white;padding:12px}.skip:focus{top:12px}:focus-visible{outline:3px solid var(--copper);outline-offset:5px}.topline{background:var(--ink);color:#e3e9ef;font-size:11px;letter-spacing:.14em;text-transform:uppercase;padding:9px 0}.topline .wrap{display:flex;justify-content:space-between}.header{border-bottom:1px solid var(--line);background:var(--paper)}.header-inner{min-height:94px;display:flex;align-items:center;gap:38px;justify-content:space-between}.logo{font-weight:700;font-size:30px;letter-spacing:-1.5px;display:flex;align-items:center;gap:12px}.mark{display:flex;align-items:end;gap:3px;height:28px}.mark i{width:6px;background:var(--copper);display:block}.mark i:nth-child(1){height:10px}.mark i:nth-child(2){height:18px}.mark i:nth-child(3){height:28px}.nav{display:flex;gap:27px;align-items:center;font-size:14px}.nav a[aria-current=page]{border-bottom:2px solid var(--copper)}.nav .tool-link{border:1px solid var(--ink);padding:10px 16px}.menu-toggle{display:none;border:1px solid var(--line);background:transparent;padding:8px 12px;color:var(--ink)}.eyebrow{display:block;font-size:11px;letter-spacing:.18em;text-transform:uppercase;font-weight:700;color:var(--copper);margin-bottom:18px}.hero{display:grid;grid-template-columns:1.15fr 1fr;gap:62px;align-items:center;padding:64px 0 54px}.hero h1{max-width:640px}.hero p{font-size:18px;color:var(--muted);max-width:500px;margin-top:24px}.hero-image{position:relative}.hero-image img{height:410px;width:100%}.image-note{position:absolute;bottom:0;left:0;background:var(--paper);padding:17px 20px;font-size:12px;max-width:85%;border-top:3px solid var(--copper)}.actions{display:flex;flex-wrap:wrap;gap:22px;align-items:center;margin-top:30px}.button{display:inline-block;padding:13px 21px;border:1px solid var(--ink);background:var(--ink);color:white;font-size:14px}.button.secondary{background:transparent;color:var(--ink)}.arrow{color:var(--copper);font-weight:600}.topic-band{display:grid;grid-template-columns:repeat(5,1fr);border-top:1px solid var(--line);border-bottom:1px solid var(--line);margin-bottom:62px}.topic-band a{padding:21px 18px 21px 0;display:flex;justify-content:space-between;gap:5px;align-items:center;border-right:1px solid var(--line);font-size:14px}.topic-band a:not(:first-child){padding-left:18px}.topic-band a:last-child{border:0}.section{padding:0 0 66px}.section-head{display:flex;justify-content:space-between;align-items:end;gap:25px;margin-bottom:28px}.section-head p{max-width:410px;font-size:14px;color:var(--muted)}.cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:36px 26px}.card{min-width:0}.card img{aspect-ratio:1.5;width:100%;background:var(--line)}.card .eyebrow{margin:16px 0 10px;font-size:10px}.card h3{font-size:23px;line-height:1.22}.card p{font-size:14px;color:var(--muted);margin:12px 0}.card:hover img{filter:brightness(.96)}.tool-banner{background:var(--ink);color:white;display:grid;grid-template-columns:1.3fr 1fr;gap:40px;padding:42px;margin-bottom:66px}.tool-banner .eyebrow{color:#ecb599}.tool-banner p{color:#c6d2dc;margin-top:15px}.tool-banner .button{background:#fff;color:var(--ink);border-color:white}.tool-numbers{display:flex;align-items:center;justify-content:space-between;gap:20px;border-left:1px solid #5c6b79;padding-left:36px;font-size:13px}.tool-numbers strong{display:block;font-size:34px;font-weight:500}.tool-numbers span{color:#c6d2dc}.page-intro{padding:52px 0 36px;max-width:850px}.page-intro p{margin-top:22px;font-size:18px;color:var(--muted)}.page-intro h1{font-size:clamp(34px,5vw,56px)}.crumb{font-size:12px;color:var(--muted);padding-top:28px;display:flex;flex-wrap:wrap;gap:10px}.searchbar{display:grid;grid-template-columns:1fr 240px auto;align-items:end;gap:16px;background:var(--pale);padding:24px;margin-bottom:18px}label{display:block;font-size:13px;font-weight:600}input,select{width:100%;padding:12px;border:1px solid #9ba7b0;background:white;color:var(--ink);border-radius:0;margin-top:6px;min-width:0}.reset{border:1px solid #9ba7b0;background:transparent;padding:12px 17px;color:var(--ink)}.result-count{font-size:13px;color:var(--muted);margin-bottom:28px}.empty{padding:35px;border:1px solid var(--line)}[hidden]{display:none!important}.article-head{max-width:920px;margin:40px auto 32px;text-align:center}.article-head h1{font-size:clamp(36px,4.7vw,62px)}.article-head .dek{font-size:19px;max-width:750px;margin:24px auto;color:var(--muted)}.article-meta{font-size:12px;color:var(--muted)}.article-image{width:100%;height:480px;max-width:1060px;margin:0 auto 40px}.article-body{max-width:720px;margin:0 auto 60px;font-size:18px;line-height:1.85}.article-body h2{font-size:29px;margin:36px 0 18px}.article-body ul{padding-left:24px}.article-body a{text-decoration:underline;color:var(--copper)}.article-body .source-note{border-top:1px solid var(--line);font-size:13px;line-height:1.7;margin-top:35px;padding-top:20px;color:var(--muted)}.article-body .example-note{font-size:13px;background:var(--pale);padding:16px 20px;margin:25px 0}.article-body .source-note ul{margin:10px 0}.prose{max-width:760px;margin-bottom:70px}.prose h2{font-size:26px;margin:32px 0 16px}.prose a{text-decoration:underline}.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:26px;padding-bottom:55px}.calculator{background:white;border:1px solid var(--line);padding:30px;min-width:0}.calculator h2{font-size:28px;margin-bottom:16px}.calculator p{font-size:14px;color:var(--muted)}.fields{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:22px 0}.calculator output{display:block;border-top:2px solid var(--copper);margin-top:24px;padding-top:20px;font-size:23px;line-height:1.4;overflow-wrap:anywhere}.calculator .detail{display:block;font-size:13px;color:var(--muted);margin-top:7px}.error{color:#a52b21!important}.footer{background:#e9edef;border-top:1px solid var(--line);padding:38px 0 20px}.footer-top{display:flex;justify-content:space-between;gap:30px}.footer p{font-size:13px;color:var(--muted);max-width:490px;margin:14px 0}.footer nav{display:flex;gap:24px;flex-wrap:wrap;font-size:13px;align-items:start}.copyright{text-align:center!important;max-width:none!important;border-top:1px solid #cbd2d7;padding-top:20px;margin-top:27px!important;font-size:12px!important}.nojs{padding:14px;background:#fff3df;font-size:14px}.small{font-size:13px;color:var(--muted)}
@media(min-width:1600px){.hero{padding-top:85px;padding-bottom:75px}}
@media(max-width:1000px){.wrap{padding:0 28px}.nav{gap:17px}.header-inner{gap:20px}.hero{gap:30px}.hero-image img{height:370px}.topic-band a{font-size:12px}.cards{gap:32px 20px}.tool-numbers{padding-left:22px}.article-image{height:420px}}
@media(max-width:760px){.wrap{padding:0 20px}.topline .wrap span:last-child{display:none}.header-inner{min-height:78px;flex-wrap:wrap;padding-top:14px;padding-bottom:14px}.logo{font-size:27px}.menu-toggle{display:block}.nav{width:100%;display:flex;flex-wrap:wrap;padding:10px 0;gap:18px}.js .nav{display:none}.js .nav.open{display:flex}.hero{grid-template-columns:1fr;padding:34px 0;gap:30px}.hero h1{max-width:540px}.hero p{font-size:16px;margin-top:19px}.hero-image img{height:300px}.image-note{padding:12px 15px}.topic-band{grid-template-columns:1fr 1fr;margin-bottom:38px}.topic-band a{font-size:13px;padding:14px 10px!important;border-bottom:1px solid var(--line)}.topic-band a:nth-child(2n){border-right:0}.topic-band a:last-child{grid-column:1 / -1;justify-content:start;gap:20px}.section{padding-bottom:44px}.section-head{display:block}.section-head p{margin-top:16px}.cards{grid-template-columns:1fr 1fr;gap:28px 17px}.card h3{font-size:19px}.card p{font-size:13px}.tool-banner{grid-template-columns:1fr;padding:28px;margin-bottom:42px;gap:28px}.tool-numbers{border-left:0;border-top:1px solid #5c6b79;padding:20px 0 0}.tool-numbers strong{font-size:28px}.searchbar{grid-template-columns:1fr;padding:18px;gap:12px}.searchbar .reset{justify-self:start}.page-intro{padding:30px 0}.page-intro p{font-size:16px}.article-head{margin-top:30px;text-align:left}.article-head .dek{font-size:17px}.article-image{height:290px;margin-bottom:28px}.article-body{font-size:17px}.article-body h2{font-size:26px}.calc-grid{grid-template-columns:1fr}.calculator{padding:22px}.footer-top{flex-direction:column}.footer nav{gap:18px}.topline{font-size:10px}.actions{gap:16px}}
@media(max-width:420px){.cards{grid-template-columns:1fr}.card{display:grid;grid-template-columns:104px 1fr;gap:16px}.card img{aspect-ratio:1/1;height:104px}.card .eyebrow{margin:0 0 7px;font-size:9px}.card h3{font-size:18px}.card p{display:none}.hero-image img{height:250px}.fields{grid-template-columns:1fr}.article-image{height:230px}.tool-numbers{flex-wrap:wrap}.article-head h1{font-size:34px}}