:root{color-scheme:light;--paper:#f3f0e7;--sheet:#fffcf5;--ink:#243c31;--muted:#526157;--line:#c9cec2;--accent:#9d432b;--sage:#e6ecdd;--peach:#f2e4d4;font:16px/1.8 system-ui,-apple-system,"Apple SD Gothic Neo","Malgun Gothic",sans-serif;color:var(--ink);background:var(--paper)}*{box-sizing:border-box}body{margin:0;word-break:keep-all;overflow-wrap:anywhere}h1,h2,h3,p,dl,ol{margin:0}h1,h2,h3{line-height:1.3;letter-spacing:-.055em}button,input,textarea{font:inherit}button,a,input,textarea{touch-action:manipulation}button{cursor:pointer}a{color:inherit;text-underline-offset:.2em}a:hover{text-decoration-thickness:2px}button:disabled{cursor:not-allowed;opacity:.55}button:focus-visible,a:focus-visible,input:focus-visible,textarea:focus-visible,[tabindex]:focus-visible{outline:3px solid var(--accent);outline-offset:4px}[hidden]{display:none!important}.wrap{width:min(1160px,calc(100% - 80px));margin-inline:auto}.skip{position:absolute;top:-100px;left:20px;padding:12px 18px;background:var(--sheet);border:2px solid var(--ink);z-index:5}.skip:focus{top:10px}.masthead{min-height:96px;display:flex;align-items:center;justify-content:space-between;gap:28px;border-bottom:1px solid var(--ink)}.wordmark{display:inline-flex;align-items:baseline;flex-wrap:wrap;gap:0;text-decoration:none;font-size:1.6rem;letter-spacing:-.065em;font-weight:850}.wordmark>span{color:var(--accent)}.wordmark small{width:100%;font-size:.66rem;font-weight:500;letter-spacing:0;color:var(--muted)}nav{display:flex;flex-wrap:wrap;gap:8px 24px;font-size:.8rem}nav a{display:inline-flex;align-items:center;gap:4px;min-height:44px;text-decoration:none}.new-tab{font-size:.76em}.hero{display:grid;grid-template-columns:1.05fr .95fr;align-items:center;gap:80px;padding-block:62px}.eyebrow{font-size:.72rem;letter-spacing:.035em;font-weight:750;color:var(--accent)}.eyebrow>span{color:var(--muted);padding-left:12px}.hero h1{font-size:clamp(2.8rem,4.8vw,4rem);line-height:1.25;margin-block:20px 24px}.hero h1 em{font-style:normal;color:var(--accent)}.hero-copy{font-size:1rem;color:var(--muted)}.tags{display:flex;flex-wrap:wrap;gap:8px;margin-top:26px}.tags span{font-size:.7rem;padding:3px 9px;border:1px solid #b9c3b1;background:var(--sage)}.ledger-note{background:var(--sheet);border:1px solid var(--ink);padding:22px 27px;box-shadow:7px 7px 0 #d8decd;transform:rotate(.8deg)}.note-top{display:flex;justify-content:space-between;align-items:center;gap:16px;font-size:.7rem;color:var(--muted);border-bottom:1px solid var(--ink);padding-bottom:12px}.note-top>span:last-child{font-size:30px;line-height:1;color:var(--accent)}.ledger-note h2{font-size:1.45rem;margin-block:20px 17px}.ledger-note dl>div{display:flex;justify-content:space-between;gap:16px;padding:9px 0;border-top:1px solid var(--line);font-size:.78rem}.ledger-note dd{margin:0;text-align:right;font-variant-numeric:tabular-nums}.ledger-note .example-total{border-top:1px solid var(--ink);font-weight:750;color:var(--accent);font-size:.86rem}.ledger-note>p{font-size:.78rem;margin-top:16px;color:var(--muted)}.ledger-note small{display:block;font-size:.67rem;margin-top:15px;padding-top:12px;border-top:1px dashed var(--line);color:var(--muted)}.workspace{border-top:1px solid var(--ink);padding-top:34px}.section-heading{display:flex;justify-content:space-between;align-items:end;gap:30px;margin-bottom:25px}.section-heading h2{font-size:1.85rem;margin-top:10px}.section-heading>p{font-size:.8rem;color:var(--muted)}.workspace-grid{display:grid;grid-template-columns:minmax(0,1fr) 270px;gap:30px}form{min-width:0;background:var(--sheet);border:1px solid var(--line);padding:25px 28px}.form-head{display:flex;flex-wrap:wrap;justify-content:space-between;gap:8px;font-size:.68rem;color:var(--muted);border-bottom:1px solid var(--line);padding-bottom:17px;margin-bottom:23px}.field-grid{display:grid;grid-template-columns:1fr 1fr;gap:23px 25px}.field{min-width:0}.field label{display:flex;justify-content:space-between;gap:10px;font-size:.84rem;font-weight:750;margin-bottom:7px}.field label span{font-size:.72rem;font-weight:450;color:var(--muted)}input,textarea{display:block;width:100%;min-width:0;background:#fffef9;color:var(--ink);border:1px solid #aeb9a7;border-radius:0;padding:11px 12px;font-variant-numeric:tabular-nums}input{min-height:48px}input[aria-invalid=true]{border-color:#aa3425;background:#fff7f1}.help{font-size:.72rem;color:var(--muted);line-height:1.8;margin-top:7px}.field-error,.form-error{font-size:.78rem;color:#9d2c20;margin-top:7px}.form-error{padding:10px 12px;background:#fae9df;border-left:3px solid #9d2c20}.input-note{font-size:.74rem;color:var(--muted);margin-top:22px;padding-top:15px;border-top:1px dashed var(--line)}.form-actions,.result-actions,.dialog-actions{display:flex;align-items:center;flex-wrap:wrap;gap:14px;margin-top:23px}.button{display:inline-flex;align-items:center;justify-content:center;gap:13px;min-height:48px;padding:11px 17px;border:1px solid var(--accent);text-decoration:none;font-size:.8rem;line-height:1.6;font-weight:700}.primary{background:var(--accent);color:#fff}.primary:hover{background:#803721}.secondary{background:var(--sheet);border-color:#a4af9c;color:var(--ink)}.secondary:hover{background:var(--sage)}.text-button{background:none;border:0;border-bottom:1px solid var(--muted);padding:9px 0;min-height:44px;color:var(--muted);font-size:.78rem}.scope-note{align-self:start;padding:23px;background:var(--sage);border-top:3px solid var(--ink)}.scope-note h3{font-size:1.3rem;margin-top:15px}.scope-note>p:not(.eyebrow){font-size:.77rem;color:var(--muted);margin-top:18px}.scope-stamp{font-size:.7rem;letter-spacing:.06em;margin-top:25px;border-top:1px solid #aebba6;padding-top:16px}.scope-stamp span{font-size:.65rem;letter-spacing:0;color:var(--muted)}.message{padding:14px 18px;border-left:3px solid var(--accent);background:var(--peach);font-size:.83rem;margin-top:24px}.results{padding-block:40px}.result-badge{display:inline-block;font-size:.72rem;background:var(--sage);border:1px solid #b5c0aa;padding:4px 10px}.result-summary{font-size:.92rem;line-height:1.9;margin-bottom:22px}.result-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}.result-card{border:1px solid var(--line);background:var(--sheet);padding:24px;min-width:0}.result-card h3{font-size:.85rem;color:var(--muted);letter-spacing:-.02em}.result-card strong{display:block;font-size:clamp(1.45rem,2.5vw,2rem);line-height:1.5;letter-spacing:-.05em;margin-block:13px 10px;font-variant-numeric:tabular-nums;overflow-wrap:anywhere}.result-card>p{font-size:.7rem;color:var(--muted)}.main-result{background:var(--sage);border-top:3px solid var(--ink)}.calculation-paper{margin-top:23px;border-top:1px solid var(--ink);padding-top:23px}.calculation-paper h3{font-size:1.1rem}.calculation-paper>p:not(.help){font-size:.8rem;color:var(--muted);margin-top:14px}.calculation-paper ol{font-size:.77rem;padding-left:22px;margin-top:14px}.calculation-paper li+li{margin-top:6px}.report-panel{margin-top:25px;padding:23px;border:1px solid var(--line);background:var(--sheet)}.report-panel h3{font-size:1.1rem}.report-panel>p:not(.help){font-size:.77rem;color:var(--muted);margin-block:11px 17px}.report-panel textarea{resize:vertical;font-size:.8rem;line-height:1.85;white-space:pre-wrap}.offer{display:grid;grid-template-columns:1.1fr .9fr;gap:55px;align-items:center;margin-top:45px;padding:31px 34px;background:#253e32;color:var(--sheet)}.offer h2{font-size:1.8rem;margin-top:12px}.offer .eyebrow{color:#d4ddc9}.offer>div>p:not(.eyebrow){font-size:.8rem;color:#e1e8db;margin-top:18px}.offer .primary{background:#fffcf5;color:#243c31;border-color:#fffcf5;text-align:left;flex-wrap:wrap}.offer .help{color:#d7e0ce;max-width:35em}.privacy{display:grid;grid-template-columns:.75fr 1.25fr;gap:50px;padding-block:37px}.privacy h2{font-size:1.25rem}.privacy p{font-size:.77rem;color:var(--muted)}.footer{display:flex;align-items:center;justify-content:space-between;gap:24px;border-top:1px solid var(--ink);padding-block:25px 35px}.footer .wordmark{font-size:1.25rem}.footer p{font-size:.7rem;color:var(--muted)}dialog{max-width:min(480px,calc(100% - 36px));padding:28px;background:var(--sheet);color:var(--ink);border:1px solid var(--ink);box-shadow:7px 7px 0 #263b3133}dialog::backdrop{background:#1c332766}dialog h2{font-size:1.6rem;margin-block:13px 18px}dialog>p:not(.eyebrow){font-size:.85rem;color:var(--muted)}.noscript{padding:15px;border:1px solid var(--accent);margin-bottom:20px}.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}
@media(max-width:950px){.hero{gap:38px}.workspace-grid{grid-template-columns:minmax(0,1fr) 220px;gap:22px}.field-grid{grid-template-columns:1fr}.offer{gap:30px}.footer{flex-wrap:wrap}.footer p{margin-right:auto}}@media(max-width:650px){.wrap{width:calc(100% - 36px)}.masthead{min-height:86px;align-items:flex-start;flex-direction:column;gap:5px;padding-block:15px}.masthead .wordmark{font-size:1.35rem}.masthead .wordmark small{display:none}nav{gap:3px 18px;font-size:.73rem}.hero{grid-template-columns:1fr;gap:30px;padding-block:35px 42px}.hero h1{font-size:2.65rem;margin-block:17px 20px}.hero-copy{font-size:.91rem}.ledger-note{transform:none;box-shadow:5px 5px 0 #d8decd;padding:20px;max-width:440px;width:calc(100% - 5px)}.ledger-note dl>div{font-size:.76rem}.section-heading{display:block;margin-bottom:20px}.section-heading h2{font-size:1.55rem}.section-heading>p{margin-top:15px;font-size:.75rem}.workspace-grid{grid-template-columns:1fr}.field-grid{grid-template-columns:1fr 1fr;gap:20px 16px}form{padding:20px 18px}.field label{display:block;font-size:.8rem}.field label span{display:block;margin-top:2px;font-size:.68rem}.help{font-size:.7rem}.scope-note{padding:20px}.scope-stamp{margin-top:17px}.result-grid{grid-template-columns:1fr}.result-card{padding:21px}.result-card strong{font-size:1.7rem}.result-badge{margin-top:15px}.results{padding-block:32px}.result-actions{align-items:stretch}.result-actions .button{flex:1 1 125px}.report-panel{padding:19px}.offer{grid-template-columns:1fr;gap:23px;padding:25px 22px;margin-top:30px}.offer h2{font-size:1.55rem}.offer .button{justify-content:flex-start}.privacy{grid-template-columns:1fr;gap:15px;padding-block:28px}.footer{align-items:flex-start;flex-direction:column;gap:10px;padding-block:22px 30px}.message{padding:12px 14px}.form-actions{align-items:flex-start;flex-direction:column}}@media(max-width:390px){.field-grid{grid-template-columns:1fr}.hero h1{font-size:2.4rem}.ledger-note dl>div{flex-wrap:wrap}.ledger-note dd{margin-left:auto}}@media(prefers-reduced-motion:reduce){*,*::before,*::after{scroll-behavior:auto!important;animation:none!important;transition:none!important}}@media(forced-colors:active){.ledger-note,dialog{box-shadow:none}.tags span,.result-card,.scope-note,.offer,.result-badge{border:1px solid CanvasText}.button{border:1px solid ButtonText}}@media print{@page{margin:16mm}body{background:#fff;color:#000;font-size:11pt}.wrap{width:100%;margin:0}.masthead,.hero,.workspace,.message,.result-actions,.report-panel,.offer,.privacy,.footer,dialog,.noscript,.skip{display:none!important}.results{padding:0}.results .eyebrow{font-size:9pt}.section-heading h2{font-size:20pt}.result-grid{grid-template-columns:1fr 1fr}.result-card{background:#fff;border:1px solid #777;padding:12px;break-inside:avoid}.result-card strong{font-size:16pt}.result-summary{font-size:11pt}.calculation-paper{break-inside:avoid}.results[hidden]{display:none!important}}
.example-guide{margin-top:38px;padding-top:30px;border-top:1px solid var(--ink)}.guide-intro,.guide-common,.guide-footnote{font-size:.8rem;color:var(--muted)}.guide-common{margin-top:14px;padding:13px 16px;background:var(--sage);border-left:3px solid var(--ink)}.guide-grid{display:grid;grid-template-columns:minmax(0,1fr);gap:20px;margin-top:22px}.guide-card{min-width:0;padding:24px;background:var(--sheet);border:1px solid var(--line)}.guide-card h3{font-size:1.35rem;margin-block:10px 14px}.guide-card>p:not(.eyebrow){font-size:.78rem;color:var(--muted)}.guide-card dl{margin-top:18px}.guide-card dl>div{display:flex;flex-wrap:wrap;justify-content:space-between;gap:4px 16px;padding:9px 0;border-top:1px solid var(--line);font-size:.76rem}.guide-card dd{margin:0 0 0 auto;text-align:right;font-weight:700;font-variant-numeric:tabular-nums}.guide-card .guide-takeaway{border-top:1px solid var(--ink);padding-top:15px;margin-top:10px}.guide-footnote{margin-top:17px}@media(min-width:800px){.guide-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}@media(max-width:390px){.guide-card{padding:19px}}@media print{.example-guide{display:none!important}}