@import url('/assets/fonts.css');
:root{--ink:#172936;--navy:#142c40;--blue:#205b80;--blue-dark:#124566;--light-blue:#e9f0f3;--cream:#f5f2eb;--paper:#fff;--muted:#62717c;--line:#d8e0e4;--accent:#ac7040;--body:'Source Sans 3',Arial,sans-serif;--heading:'Barlow Semi Condensed','Arial Narrow',Arial,sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:100px}body{margin:0;font:18px/1.55 var(--body);color:var(--ink);background:var(--paper)}a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline;text-underline-offset:4px}button,input,select,textarea{font:inherit}button{cursor:pointer}button:disabled{cursor:not-allowed}button,a,input,select,textarea,summary{-webkit-tap-highlight-color:transparent}input,select,textarea{min-width:0;max-width:100%}button:focus-visible,a:focus-visible,summary:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid #b47f45;outline-offset:4px}h1,h2,h3,h4,p{margin:0}h1,h2,h3,h4{font-family:var(--heading);line-height:1.08;letter-spacing:-.025em}h1{font-size:clamp(42px,4.3vw,68px);font-weight:700}h2{font-size:clamp(30px,3vw,43px);font-weight:700}h3{font-size:25px;font-weight:600}img{max-width:100%;display:block}svg{flex-shrink:0}.icon{vertical-align:middle}p+p{margin-top:1em}.wrap{width:calc(100% - 112px);max-width:1600px;margin-inline:auto}.section{padding-block:44px}.eyebrow{font:600 14px/1.3 var(--body);letter-spacing:.13em;text-transform:uppercase;color:var(--blue);margin-bottom:12px}.small-label{font-size:16px;color:var(--muted)}.section-heading{display:flex;justify-content:space-between;align-items:baseline;gap:20px;margin-bottom:26px}.text-link{display:inline-flex;align-items:center;gap:10px;font-weight:600;font-size:17px;white-space:nowrap}.text-link .icon{width:19px;height:19px}.button,.secondary-button{display:inline-flex;align-items:center;justify-content:center;gap:20px;border:1px solid var(--blue);border-radius:4px;background:var(--blue);color:#fff;padding:11px 23px;font-weight:600;line-height:1.25;min-height:46px;transition:background .15s}.button:hover{background:var(--blue-dark);text-decoration:none}.button .icon{width:21px}.secondary-button{color:var(--blue);background:white}.secondary-button:hover{background:var(--light-blue)}.text-button,.print-button{background:transparent;border:0;color:var(--blue);text-decoration:underline;text-underline-offset:4px;padding:10px 0;font-weight:600}.underlink{text-decoration:underline;text-underline-offset:5px;font-weight:600}.skip-link{position:fixed;top:-100px;left:20px;z-index:100;background:white;padding:15px}.skip-link:focus{top:10px}.site-header{border-bottom:1px solid #ebece8;background:#fffefa;position:relative;z-index:20}.header-inner{display:flex;align-items:center;min-height:88px;gap:25px}.wordmark{font:800 31px/.83 var(--heading);letter-spacing:-.04em;color:#122331;display:inline-block;min-width:144px}.wordmark>span{display:block}.wordmark .brand-dot{color:var(--blue)}.wordmark:hover{text-decoration:none}.main-nav{display:flex;align-items:center;gap:26px;margin-left:auto}.nav-group{position:relative;font-size:17px}.nav-group summary{cursor:pointer;list-style:none;display:flex;align-items:center;gap:10px;white-space:nowrap}.nav-group summary::-webkit-details-marker{display:none}.chevron{display:inline-block;width:6px;height:6px;border-right:1px solid;border-bottom:1px solid;transform:rotate(45deg);margin-top:-3px}.nav-group[open] .chevron{transform:rotate(225deg);margin-top:3px}.nav-dropdown{position:absolute;top:calc(100% + 22px);left:-20px;min-width:300px;padding:12px;background:white;border:1px solid var(--line);box-shadow:0 12px 28px #12233115}.nav-dropdown a{display:flex;gap:14px;padding:14px;color:var(--ink);border-radius:3px}.nav-dropdown a:hover{background:var(--cream);text-decoration:none}.nav-dropdown strong{font-weight:600;color:var(--blue)}.nav-dropdown small{display:block;color:var(--muted);font-size:14px}.nav-about{border-left:1px solid var(--line);padding-left:24px;white-space:nowrap;font-size:17px;color:var(--ink)}.header-search{color:var(--navy);padding:9px}.menu-toggle{display:none;background:transparent;border:0;color:var(--ink)}.hero{position:relative;overflow:hidden;background:#f7f4ec}.hero-art{position:absolute;width:68%;height:100%;right:0;top:0;object-fit:cover;object-position:70% 57%}.hero:after{content:'';position:absolute;inset:0;background:linear-gradient(90deg,#f7f4ec 0%,#f7f4ec 32%,#f7f4ecf5 37%,#f7f4ec00 60%);pointer-events:none}.hero-inner{position:relative;z-index:1;padding-block:56px 45px;min-height:510px;display:flex;align-items:center}.hero-copy{width:57%;max-width:810px}.hero h1{font-size:clamp(52px,4.8vw,78px);letter-spacing:-.035em;color:var(--blue);line-height:.98;margin:0 0 20px}.hero-lead{font-size:21px;line-height:1.3;margin-bottom:25px;max-width:600px}.hero-search{padding:15px 17px 17px;background:#fffffff5;border-radius:6px;max-width:650px;box-shadow:0 1px 0 #162e400b}.hero-search label{font-size:17px;font-weight:700;display:block;margin-bottom:7px}.search-field{display:flex;align-items:center;background:#fff;border:1px solid #c8d5de;border-radius:4px;overflow:hidden;gap:12px;padding-left:13px}.search-field input{border:0;outline:0;background:transparent;flex:1;padding:11px 0;min-width:40px;width:100%;font-size:17px;color:var(--ink)}.search-field .button{border-radius:0;margin:-1px;white-space:nowrap}.search-field input::placeholder{color:#7b8996}.quick-links{display:flex;flex-wrap:wrap;gap:6px 17px;font-size:15px;margin-top:13px}.quick-links a{text-decoration:underline;text-underline-offset:4px}.quick-links b{font-weight:600}.theme-section{padding-top:31px;padding-bottom:27px}.theme-grid{display:grid;grid-template-columns:repeat(4,1fr)}.theme-item{display:flex;gap:22px;align-items:center;padding:25px 20px 25px 0;position:relative;color:var(--ink);min-height:105px;margin-right:22px;border-bottom:1px solid var(--line)}.theme-item:nth-child(n+9){border-bottom:0}.theme-item:nth-child(4n){margin-right:0}.theme-item:not(:nth-child(4n)):after{content:'';position:absolute;right:-1px;top:18px;bottom:18px;width:1px;background:var(--line)}.theme-item>.icon:first-child{width:39px;height:39px}.theme-item h3{color:var(--blue);font-size:23px;letter-spacing:-.015em}.theme-item p{color:var(--muted);font-size:15px;line-height:1.25;margin-top:5px}.theme-item .end-arrow{color:var(--accent);width:18px;margin-left:auto}.theme-item:hover{text-decoration:none}.theme-item:hover h3{text-decoration:underline;text-underline-offset:4px}.answers{padding-top:16px}.answers-grid{display:grid;grid-template-columns:.95fr 1.15fr;gap:36px}.feature-guide> a img{width:100%;height:250px;object-fit:cover;object-position:50% 64%;border-radius:3px}.feature-guide .eyebrow{margin-top:20px;margin-bottom:7px;font-size:12px}.feature-guide h3{font-size:35px}.feature-guide h3 a{color:var(--navy)}.feature-guide p:not(.eyebrow){font-size:20px;color:var(--muted);line-height:1.35;margin-top:12px;max-width:650px}.feature-actions{display:flex;gap:26px;align-items:center;margin-top:20px;font-size:16px}.question-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:0 24px}.question-card{position:relative;display:flex;flex-direction:column;border-left:1px solid var(--line);padding:8px 0 8px 24px;min-width:0}.question-card:nth-child(-n+2){border-bottom:1px solid var(--line);padding-bottom:15px;margin-bottom:17px}.question-card h3{font-size:25px;line-height:1.13;display:flex;align-items:flex-start;gap:8px}.question-card h3>.icon{color:var(--accent);width:19px;height:19px;margin-top:4px;margin-left:auto}.question-card p{color:var(--muted);font-size:17px;line-height:1.25;margin-top:9px}.question-card:hover{text-decoration:none}.question-card:hover h3{text-decoration:underline;text-underline-offset:4px}.question-art{height:145px;margin-top:auto;display:flex;justify-content:center;align-items:center;overflow:hidden}.question-art img{width:100%;height:170px;object-fit:cover;object-position:70% 70%;mix-blend-mode:multiply}.paper-note{position:relative;transform:rotate(-5deg);padding:16px 32px;border:1px solid #aeb6b8;border-radius:2px;background:#faf7ef;box-shadow:7px 5px 0 #eee8d9;font-family:var(--heading);color:var(--navy);margin:20px 0}.paper-note span{display:block;font-size:11px;letter-spacing:.06em}.paper-note strong{display:block;font-size:25px;font-weight:600}.paper-note>.icon{position:absolute;right:-25px;top:45px;width:45px;height:45px;background:#fff;border-radius:5px;stroke:var(--accent)}.cv-note{transform:rotate(4deg);padding:13px 22px}.cv-note strong{font-size:21px}.cv-note i{display:block;height:2px;width:100px;background:#cbd4d6;margin:7px 0}.cv-note i:nth-of-type(2){width:80px}.health-note{transform:rotate(-5deg);background:var(--light-blue);padding:15px 22px;border:1px solid #bacbd4;border-radius:7px;display:grid;grid-template-columns:34px 1fr;gap:10px;box-shadow:5px 5px 0 #f3eee4}.health-note>strong{font:600 21px/1 var(--heading);color:var(--blue)}.health-note>span{grid-column:1/-1;font-size:11px;color:var(--muted)}.tools-band{background:#e6eef1;margin-top:2px;overflow:hidden}.tools-band-inner{position:relative;padding-top:35px}.tools-band-inner>img{position:absolute;right:-30px;width:440px;height:300px;object-fit:cover;mix-blend-mode:multiply;object-position:right;top:0}.tools-band-copy{position:relative;max-width:calc(100% - 100px)}.tools-band h2{color:var(--blue-dark)}.tools-band-copy>p:not(.eyebrow){font-size:21px;margin-top:7px}.budget-start{max-width:1120px;padding:19px 23px 21px;margin-top:20px;background:#ffffffed;border-radius:5px;position:relative}.budget-start h3{font-size:25px;margin-bottom:12px}.budget-start-fields{display:grid;grid-template-columns:1fr 1fr 1fr 1.2fr;gap:22px;align-items:end}.budget-start label{font-size:15px;display:grid;gap:6px}.budget-start .button{white-space:nowrap;padding-inline:14px}.tool-shortcuts{position:relative;display:grid;grid-template-columns:repeat(3,1fr);gap:24px;padding-block:20px}.tool-shortcuts a{justify-content:center;border-right:1px solid #bccfd9}.tool-shortcuts a:last-child{border:0}.everyday{display:grid;grid-template-columns:1.25fr 1fr;gap:35px;padding-block:35px;position:relative;overflow:hidden}.everyday h2{font-size:37px;white-space:nowrap}.everyday-columns{display:grid;grid-template-columns:1fr 1fr;gap:35px;margin-top:26px}.everyday-columns>div{display:flex;gap:20px}.everyday-columns>div+.everyday-columns>div{border-left:1px solid var(--line)}.everyday-columns>.icon{width:35px}.everyday-columns h3{font-size:24px;color:var(--blue);margin-bottom:9px}.everyday-columns a{font-size:17px;display:flex;margin-block:7px;justify-content:space-between;white-space:normal}.everyday-columns>div>div{flex:1}.everyday-visual{overflow:hidden;position:relative;border-radius:3px;height:245px}.everyday-visual img{width:100%;height:100%;object-fit:cover;object-position:80% 67%}.visual-caption{position:absolute;left:20px;bottom:20px;padding:12px 18px;background:#fffdf5eb;font:600 27px/1 var(--heading);color:var(--blue)}.journey-band{background:var(--cream)}.journey-inner{display:grid;grid-template-columns:1.2fr 1fr 1fr 1fr;gap:26px;padding-block:25px;align-items:center}.journey-inner h2{font-size:29px}.journey-inner>a{display:flex;align-items:center;gap:18px;border-left:1px solid #c7cdcd;padding-left:26px}.journey-inner>a>.icon{width:43px;height:43px;color:var(--navy)}.journey-inner h3{font-size:23px}.journey-inner h3 span{color:var(--accent);margin-left:7px}.journey-inner p{font-size:16px;color:var(--muted);line-height:1.2;margin-top:6px}.trust-section{padding-block:36px;display:grid;grid-template-columns:1fr 1fr;gap:65px}.trust-section h2{font-size:32px;margin-bottom:14px}.trust-section h3{font-size:23px}.trust-section p:not(.eyebrow){color:var(--muted);font-size:17px;line-height:1.35;margin-top:8px}.trust-section>div+div{padding-left:40px;border-left:1px solid var(--line);align-self:end}.trust-links{display:flex;gap:17px;flex-wrap:wrap;margin-top:20px}.trust-links .text-link{font-size:15px}.site-footer{background:#f3f1eb;padding-top:35px;font-size:15px}.footer-grid{display:grid;grid-template-columns:1.1fr 1.1fr 1.1fr 1.1fr 1fr;gap:35px}.footer-grid h2{font:600 18px/1.1 var(--heading);margin-bottom:14px;letter-spacing:0}.footer-grid>div:not(:first-child){padding-left:24px;border-left:1px solid #d3d9d9}.footer-grid a:not(.wordmark){display:block;color:#5b6973;line-height:1.5;margin-top:3px}.footer-grid .wordmark{font-size:29px}.footer-domain{color:var(--blue);margin-top:10px}.footer-grid p{line-height:1.35;color:var(--muted)}.footer-bottom{margin-top:28px;padding-block:20px;border-top:1px solid #d3d9d9;font-size:13px;display:flex;justify-content:space-between;gap:20px;color:var(--muted)}.footer-bottom>div{display:flex;gap:18px}.footer-bottom a{color:var(--muted)}.breadcrumbs{display:flex;flex-wrap:wrap;align-items:center;gap:9px;font-size:14px;color:var(--muted);margin-bottom:30px}.breadcrumbs a{color:inherit}.article-heading,.category-heading,.tool-heading{padding:25px 0 44px;background:var(--cream);border-bottom:1px solid var(--line)}.article-heading h1{max-width:1050px;color:var(--blue-dark);font-size:clamp(42px,4.2vw,66px)}.article-deck{font-size:23px;line-height:1.4;max-width:950px;margin-top:18px;color:#475d6a}.article-meta{display:flex;flex-wrap:wrap;gap:12px 25px;margin-top:27px;font-size:15px;color:var(--muted)}.article-meta span{display:flex;gap:7px;align-items:center}.article-meta .icon{width:17px;height:17px}.reading-layout{display:grid;grid-template-columns:290px minmax(0,850px);gap:70px;padding-block:45px;justify-content:start}.toc{position:sticky;top:25px;align-self:start}.toc nav{display:grid}.toc nav a{display:flex;gap:13px;border-bottom:1px solid var(--line);padding:13px 0;color:var(--ink);font-size:16px;line-height:1.35}.toc nav a span{font-size:13px;color:var(--accent);padding-top:2px}.toc-tool{display:flex;flex-direction:column;gap:8px;padding:25px;background:var(--light-blue);margin-top:30px}.toc-tool>strong{font:600 24px/1.1 var(--heading)}.toc-tool>span{font-size:15px}.print-button{font-size:15px;margin-top:20px}.article-body{font-size:20px;line-height:1.7;min-width:0}.direct-answer{border-left:4px solid var(--blue);background:#edf3f5;padding:25px 30px;margin-bottom:44px}.direct-answer p:not(.eyebrow){margin:0;font-size:23px;line-height:1.5;color:var(--navy)}.article-body section{margin-top:38px}.article-body section>h2{font-size:35px;margin-bottom:22px;line-height:1.15;display:flex;gap:16px}.section-number{font-size:20px;color:var(--accent);line-height:1.8}.article-body ul{padding-left:25px;margin-top:25px}.article-body li{padding-left:7px;margin-bottom:8px}.source-box{padding:28px;background:var(--cream);border-radius:3px}.source-box h2{font-size:29px!important}.source-box p,.source-box li{font-size:17px;line-height:1.5}.source-box ul{padding-left:20px}.article-end{display:flex;gap:20px;justify-content:space-between;padding-top:25px;border-top:1px solid var(--line);margin-top:30px;font-size:15px}.article-end p{margin:0}.related-section{background:#f6f8f8;padding:40px 0 50px}.guide-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px}.related-section .guide-grid{margin-top:25px}.guide-card{display:flex;flex-direction:column;padding:28px;border:1px solid var(--line);background:#fff;color:var(--ink);border-radius:3px;transition:border-color .15s,box-shadow .15s}.guide-card:hover{text-decoration:none;border-color:#7192a7;box-shadow:0 5px 18px #17314809}.guide-card h3,.guide-card h2{font-size:30px;color:var(--blue-dark);line-height:1.15}.guide-card>p{margin-top:15px;color:var(--muted);font-size:18px;line-height:1.45}.guide-card .eyebrow{font-size:12px;color:var(--accent)}.guide-card>.icon{width:36px;height:36px;color:var(--blue);margin-bottom:18px}.card-link{padding-top:25px;margin-top:auto;font-size:16px;color:var(--blue);display:flex;justify-content:space-between;align-items:center;font-weight:600}.card-link .icon{width:18px}.category-title{display:flex;align-items:center;gap:26px}.category-title>.icon{width:56px;height:56px;color:var(--blue)}.category-title h1{font-size:58px;color:var(--blue-dark)}.category-title .eyebrow{margin-bottom:8px}.category-next{display:flex;align-items:center;gap:35px;justify-content:space-between;margin-top:45px;background:var(--cream);padding:35px}.category-next h2{font-size:33px}.category-next p:not(.eyebrow){margin-top:15px;max-width:740px}.category-next .button{white-space:nowrap}.editorial-page{max-width:900px;margin-inline:auto;font-size:20px;line-height:1.7}.editorial-page h2{font-size:34px;margin:35px 0 18px}.editorial-page p{margin-bottom:16px}.editorial-page li{margin-bottom:10px}.big-intro{font-size:28px;line-height:1.4;color:var(--blue-dark);margin-bottom:28px!important}.tool-heading h1{color:var(--blue-dark);font-size:60px}.tool-layout{display:grid;grid-template-columns:minmax(0,1fr) 400px;gap:35px;align-items:start}.tool-panel{border:1px solid var(--line);background:#fff;padding:30px;border-radius:5px}.panel-header{display:flex;align-items:center;gap:13px;margin:28px 0 20px}.panel-header:first-child{margin-top:0}.panel-header h2{font-size:30px}.step-number{border:1px solid #b8cdd8;border-radius:50%;width:32px;height:32px;display:grid;place-items:center;font-size:14px;color:var(--blue)}label{font-weight:600;font-size:17px;display:flex;flex-direction:column;gap:7px}.unit{font-weight:400;color:var(--muted);font-size:14px;margin-top:-5px}input:not([type=checkbox]),select,textarea{border:1px solid #c8d3db;border-radius:3px;padding:9px 12px;background:#fff;color:var(--ink);width:100%;min-height:43px}input[type=number]{font-variant-numeric:tabular-nums}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}.fine-print{font-size:15px!important;line-height:1.45!important;color:var(--muted);margin-top:18px}.result-panel{position:sticky;top:25px;padding:32px;background:var(--navy);color:#fff;border-radius:5px}.result-panel .eyebrow{color:#c3d8e4}.result-panel h2{font-size:30px}.result-label{font-size:17px;color:#cfdae0;margin-top:28px}.result-number{display:block;font:600 51px/1.1 var(--heading);margin:10px 0 20px;white-space:nowrap}.result-panel .fine-print{color:#b9cbd5}.result-details{margin:22px 0}.result-details>div{display:flex;justify-content:space-between;gap:12px;font-size:16px;padding:10px 0;border-bottom:1px solid #ffffff24}.result-details dd{margin:0;font-weight:600;white-space:nowrap}.result-details .total-line{border:0;font-weight:700;color:#fff;margin-top:8px;font-size:18px}.light-button{background:#fff;border-color:white;color:var(--navy);font-size:16px;padding:12px;margin-top:22px;width:100%;gap:10px}.light-button:hover{background:#e9f0f3}.result-panel .text-button{color:#cfdae0;font-size:14px;display:block;margin:auto}.breakdown-row{display:grid;grid-template-columns:1fr auto;gap:5px 15px;font-size:14px;margin:10px 0;color:#d9e3e9}.breakdown-row>i{grid-column:1/-1;display:block;background:#ffffff1f;border-radius:2px;height:4px}.breakdown-row>i>span{height:4px;display:block;background:#a6c6d7;border-radius:2px}.balance{padding:15px;border:1px solid #78929f;font-size:16px}.balance:empty{display:none}.two-panels{display:grid;grid-template-columns:1fr 1fr;gap:25px}.two-panels .tool-panel>h2{margin-bottom:20px;font-size:36px}.two-panels .tool-panel>.form-grid{margin-top:22px}.comparison-result{background:var(--light-blue);padding:28px;margin-block:25px;border-radius:4px}.comparison-result h2{font-size:29px;margin-bottom:18px}.comparison-result .result-columns{display:grid;grid-template-columns:1fr 1fr;gap:25px}.comparison-result strong{font:600 37px/1.2 var(--heading);display:block;color:var(--blue-dark);margin:6px 0}.comparison-result h3{font-size:25px}.comparison-result p{font-size:17px}.table-scroll{overflow-x:auto}table{border-collapse:collapse;width:100%;font-size:18px;margin-top:25px}caption{text-align:left;font-weight:600;margin:0 0 15px}th,td{text-align:left;border-bottom:1px solid var(--line);padding:15px}thead{background:var(--light-blue)}th{font-weight:600}.city-table{min-width:620px}.city-table input{max-width:90px}.notice{padding:20px 25px;background:var(--cream);border-left:3px solid var(--accent);margin-block:28px;font-size:17px;line-height:1.55}.filter-tabs{display:flex;gap:10px;flex-wrap:wrap;margin:25px 0}.filter-tabs button{background:#fff;color:var(--blue);border:1px solid #bbcbd4;padding:10px 20px;border-radius:25px}.filter-tabs button.active{background:var(--blue);border-color:var(--blue);color:white}.checklist-summary{display:flex;align-items:center;gap:30px;padding:25px;background:var(--light-blue);border-radius:4px}.checklist-summary strong{font-size:28px;font-family:var(--heading);color:var(--blue)}.checklist-summary p{white-space:nowrap}.checklist-summary progress{flex:1;accent-color:var(--blue);height:10px}.checklist-summary .button{font-size:16px}.check-section{margin-bottom:32px}.check-section h2{font-size:31px;margin:25px 0 18px}.check-row{display:flex;align-items:flex-start;gap:17px;border-top:1px solid var(--line);padding:19px 0}.check-row 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/* Approved logo: frame the original image without altering the artwork. */
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/* Detailed reference guides */
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.budget-presets{padding:24px;background:var(--light-blue);border:1px solid var(--line);border-radius:5px;margin-bottom:28px}.budget-presets h2{font-size:28px;margin-bottom:12px}.budget-presets .form-actions{margin-block:18px;flex-wrap:wrap}.budget-presets #scenario-status:not(:empty){margin-top:14px;font-weight:600}

/* Orientation pages: short choices first, detailed guidance below. */
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.tool-guidance{padding-bottom:56px}.tool-guidance section{margin-top:28px}.budget-start-fields:has(select[name="scenario"]){display:flex;flex-wrap:wrap;align-items:end}.budget-start-fields label:has(select[name="scenario"]){flex:1;min-width:220px}.budget-start .fine-print{margin-top:14px;line-height:1.5}