:root{color-scheme:dark;--paper:#111115;--panel:#1b1b21;--ink:#f5f3ef;--muted:#b7b5be;--line:#36353d;--accent:#ffa16b;--max:1180px;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;scroll-behavior:smooth}
*{box-sizing:border-box}body{margin:0;background:var(--paper);color:var(--ink);font-size:17px;line-height:1.7}a{color:inherit;text-underline-offset:4px}a:hover{color:var(--accent)}a:focus-visible,button:focus-visible,input:focus-visible,summary:focus-visible{outline:3px solid var(--accent);outline-offset:5px}img{max-width:100%;height:auto}h1,h2,h3{line-height:1.12;letter-spacing:-.035em;text-wrap:balance}h1{font-size:clamp(2.8rem,6vw,5.5rem);margin:.25em 0 .45em;max-width:16ch;font-weight:750}h2{font-size:clamp(1.8rem,3.4vw,2.7rem);margin:0 0 .65em}h3{font-size:1.3rem;letter-spacing:-.015em}p{margin:0 0 1.2em}.wrap{width:min(var(--max),calc(100% - 48px));margin:auto}.skip{position:absolute;left:-9999px;top:10px;padding:10px;background:var(--accent);color:#111;z-index:10}.skip:focus{left:12px}.site-head{border-bottom:1px solid var(--line)}.site-head .wrap{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:90px;padding-block:16px}.brand{display:flex;align-items:center;gap:12px;font-size:20px;font-weight:750;text-decoration:none}.brand img{width:38px;height:38px;border-radius:9px}.site-head nav{display:flex;gap:22px;align-items:center;flex-wrap:wrap;font-size:14px;font-weight:600}.site-head nav a{text-decoration:none}.crumbs{font-size:13px;color:var(--muted);margin-top:28px;display:flex;gap:9px;flex-wrap:wrap}.eyebrow{font-size:12px;font-weight:700;line-height:1.5;letter-spacing:.14em;text-transform:uppercase;color:var(--accent);margin-bottom:1.2rem}.hero{padding:54px 0 56px;display:grid;grid-template-columns:1.1fr 1fr;align-items:center;gap:55px}.hero .lead{font-size:20px;line-height:1.65;max-width:58ch;color:#d2d0d7}.hero .byline,.small{font-size:13px;line-height:1.6;color:var(--muted)}.hero figure{margin:0;min-width:0}.hero figure img{width:100%;border:1px solid var(--line);border-radius:16px}.hero figcaption{font-size:12px;line-height:1.6;color:var(--muted);margin-top:12px}.button{display:inline-flex;justify-content:center;align-items:center;min-height:48px;border:1px solid var(--line);border-radius:7px;padding:10px 17px;font:inherit;font-weight:650;font-size:14px;line-height:1.4;cursor:pointer;text-decoration:none;background:var(--panel);color:var(--ink);text-align:center}.button.primary{background:var(--accent);color:#18110c;border-color:var(--accent)}.actions{display:flex;gap:12px;flex-wrap:wrap;margin:24px 0 14px}.facts{display:flex;gap:10px 25px;flex-wrap:wrap;padding:18px 0;border-block:1px solid var(--line);color:var(--muted);font-size:13px}.facts strong{color:var(--ink)}.article-grid{display:grid;grid-template-columns:minmax(0,760px) 240px;justify-content:space-between;gap:60px;margin-block:60px}.article-body{min-width:0}.article-body section{margin-bottom:60px;scroll-margin-top:24px}.article-body p,.article-body li{color:#d2d0d7}.article-body a{color:var(--accent)}.article-body li{margin-block:8px}.setup-list{list-style:none;padding:0;counter-reset:setup}.setup-list>li{counter-increment:setup;margin:28px 0 32px;padding-left:55px;position:relative}.setup-list>li:before{content:counter(setup,decimal-leading-zero);position:absolute;left:0;top:0;color:var(--accent);font-size:15px;font-weight:750}.setup-list h3{color:var(--ink);margin:0 0 12px}.setup-list p{margin:0}.toc{align-self:start;position:sticky;top:24px;border-top:2px solid var(--accent);padding-top:20px;font-size:14px}.toc p{color:var(--muted);font-size:12px;text-transform:uppercase;letter-spacing:.12em}.toc a{display:block;margin:15px 0;text-decoration:none}.callout{border-left:3px solid var(--accent);padding:20px 24px;background:var(--panel);margin:28px 0}.callout p:last-child{margin-bottom:0}.callout strong{color:var(--ink)}.table-scroll{overflow-x:auto}table{border-collapse:collapse;width:100%;font-size:15px}th,td{padding:17px 15px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}th{color:var(--accent);font-weight:650}td{color:#d2d0d7}tbody th{color:var(--ink);width:34%}.faq{border-top:1px solid var(--line)}details{border-bottom:1px solid var(--line);padding:20px 0}summary{cursor:pointer;font-weight:650;line-height:1.5}details p{margin:16px 0 0}.related,.hub-section{border-top:1px solid var(--line);padding:52px 0}.card-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}.guide-card{border:1px solid var(--line);border-radius:10px;padding:25px;background:var(--panel);text-decoration:none;display:flex;flex-direction:column;min-width:0}.guide-card h3{margin:14px 0;font-size:1.5rem}.guide-card p{font-size:15px;line-height:1.7;color:var(--muted);margin-bottom:18px}.guide-card .arrow{color:var(--accent);margin-top:auto;font-size:14px}.card-index{font-size:12px;letter-spacing:.12em;color:var(--accent)}.guide-card:hover{border-color:var(--accent)}.hub-hero{padding:64px 0 55px;max-width:900px}.hub-hero h1{max-width:17ch}.hub-hero .lead{font-size:21px;color:#d2d0d7;max-width:65ch}.hub-hero .small{max-width:85ch}.tool-strip{display:grid;grid-template-columns:1fr 1fr;gap:30px;border:1px solid var(--line);padding:32px;border-radius:12px;align-items:center;background:var(--panel);margin:0 0 55px}.tool-strip h2{font-size:2rem}.tool-strip p{color:var(--muted)}.formula{color:var(--accent);font-size:20px;font-weight:650}.cta-panel{padding:35px;background:var(--panel);border-radius:12px;margin-block:35px}.cta-panel h2{font-size:2rem}.cta-panel p{max-width:70ch;color:var(--muted)}footer{border-top:1px solid var(--line);margin-top:40px;padding:35px 0;color:var(--muted);font-size:13px}footer .footer-links{display:flex;gap:22px;flex-wrap:wrap}.website-analytics{font-size:13px!important}.planner{background:var(--panel);border:1px solid var(--line);padding:30px;border-radius:12px}.planner-fields{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}.planner label{display:block;font-size:14px;font-weight:650}.planner input{display:block;width:100%;margin-top:9px;border:1px solid #686570;border-radius:6px;padding:12px;background:#111115;color:var(--ink);font:inherit;min-height:48px}.planner label span{display:block;font-size:12px;color:var(--muted);font-weight:400;line-height:1.4;margin-top:7px}.planner-result{padding:28px 0 0}.planner-result strong{font-size:2.5rem;color:var(--accent);line-height:1.2;display:block;margin-bottom:12px}.planner-result p{margin-bottom:0}.timeline{display:flex;gap:3px;height:14px;margin:22px 0 10px}.timeline span{display:block;min-width:0;border-radius:2px;background:#8bbcaf}.timeline span:nth-child(2){background:#a9a1d9}.timeline span:nth-child(3){background:var(--accent)}.timeline-key{display:flex;gap:18px;flex-wrap:wrap;font-size:12px;color:var(--muted)}.timeline-key span::before{content:'';display:inline-block;width:8px;height:8px;border-radius:2px;background:#8bbcaf;margin-right:7px}.timeline-key span:nth-child(2)::before{background:#a9a1d9}.timeline-key span:nth-child(3)::before{background:var(--accent)}.checklist li{margin-bottom:12px}.checklist input{accent-color:var(--accent);width:19px;height:19px;margin-right:10px}.checklist{list-style:none;padding-left:0}.checklist label{cursor:pointer}.empty{margin-block:24px;color:var(--muted)}[hidden]{display:none!important}
@media(max-width:1000px){.hero{gap:30px}.hero h1{font-size:3.6rem}.article-grid{grid-template-columns:minmax(0,1fr) 200px;gap:35px}.card-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:700px){.wrap{width:calc(100% - 36px)}.site-head .wrap{flex-wrap:wrap;gap:16px;min-height:0}.site-head nav{gap:18px;font-size:13px}.hero{grid-template-columns:1fr;padding-top:35px;gap:24px}.hero h1,.hub-hero h1{font-size:clamp(2.7rem,10vw,4rem)}.hero .lead,.hub-hero .lead{font-size:18px}.hero figure{max-width:580px}.article-grid{display:flex;flex-direction:column-reverse;margin-block:32px;gap:35px}.toc{position:static;width:100%;padding:17px 0 0}.toc a{display:inline-block;margin:8px 18px 5px 0}.toc p{margin-bottom:6px}.setup-list>li{padding-left:42px}.card-grid{grid-template-columns:1fr}.tool-strip{grid-template-columns:1fr;padding:24px;gap:10px}.hub-hero{padding:40px 0}.planner{padding:22px}.planner-fields{grid-template-columns:1fr;gap:20px}.planner label span{margin-top:4px}.cta-panel{padding:25px}th,td{padding:13px 10px;font-size:14px}.facts{gap:10px 18px}.article-body section{margin-bottom:45px}}
@media(prefers-reduced-motion:reduce){:root{scroll-behavior:auto}}
@media print{:root{color-scheme:light}body{background:#fff;color:#111;font-size:11pt;line-height:1.5}.wrap{width:100%;max-width:none}.site-head,.crumbs,.toc,.actions,.related,.cta-panel,.website-analytics,.no-print,footer{display:none!important}.hero{padding:0 0 15px;gap:20px;grid-template-columns:1fr 1fr}.hero h1,.hub-hero h1{font-size:28pt}.hero .lead{font-size:11pt}.hero figure img{border:1px solid #777}.hero figcaption,.small,.byline{color:#333!important}.article-grid{display:block;margin:20px 0}.article-body section{margin-bottom:24px;break-inside:auto}h2,h3{break-after:avoid}.setup-list>li{break-inside:avoid}.article-body p,.article-body li,td,.cta-panel p{color:#111}.callout,.planner{background:#fff;border:1px solid #777}.facts{color:#333}.facts strong,summary,th,tbody th{color:#111}.planner-result strong,.setup-list>li:before,.eyebrow,a{color:#333!important}.planner input{color:#111;background:#fff}.planner label span{color:#333}.card-grid{display:block}.guide-card{background:#fff;color:#111;margin-block:15px}.guide-card p{color:#333}.article-body a[href^='http']:after{content:' (' attr(href) ')';font-size:8pt;overflow-wrap:anywhere}details>p{display:block!important}h1,h2,h3,p{orphans:3;widows:3}}

@media(max-width:400px){.site-head nav{display:grid;grid-template-columns:1fr 1fr;width:100%;gap:10px 18px}}
@media(max-width:700px){.planner-layout{flex-direction:column}}