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@layer base{*,:before,:after{box-sizing:border-box}*{margin:0}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}body{background:var(--ground);color:var(--ink);font-family:var(--family-sans);font-size:var(--text-base);font-synthesis:none;text-rendering:optimizelegibility;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;line-height:1.55}h1,h2,h3,h4{font-family:var(--family-serif);font-weight:var(--weight-semibold);letter-spacing:-.012em;text-wrap:balance;color:var(--ink);line-height:1.12}h1{font-size:var(--text-2xl);letter-spacing:-.02em}h2{font-size:var(--text-xl)}h3{font-size:var(--text-md)}h4{font-size:var(--text-base)}p{text-wrap:pretty}a{color:inherit;-webkit-text-decoration-color:var(--rule-strong);text-decoration-color:var(--rule-strong);text-underline-offset:.18em}a:hover{text-decoration-color:currentColor}strong,b{font-weight:var(--weight-semibold)}small{font-size:var(--text-sm)}ul,ol{padding-left:1.2em}img,svg,video{max-width:100%;display:block}button,input,select,textarea{font:inherit;color:inherit}button{-webkit-tap-highlight-color:transparent;cursor:pointer}table{border-collapse:collapse;width:100%}.num,[data-figure]{font-family:var(--family-mono);font-variant-numeric:tabular-nums;letter-spacing:-.01em}:focus-visible{outline:2px solid var(--focus);outline-offset:2px;border-radius:2px}::selection{background:var(--field-wash)}.visually-hidden{clip:rect(0 0 0 0);white-space:nowrap;border:0;width:1px;height:1px;margin:-1px;padding:0;position:absolute;overflow:hidden}.skip-link{left:var(--gutter);top:var(--gutter);z-index:100;background:var(--ink);color:var(--ground-raised);border-radius:var(--radius);transition:transform var(--dur) var(--ease);padding:.6rem .9rem;position:fixed;transform:translateY(-160%)}.skip-link:focus{transform:translateY(0)}@keyframes card-in{0%{opacity:0;transform:translate(6px)}to{opacity:1;transform:translate(0)}}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,:before,:after{transition-duration:.01ms!important;animation-duration:.01ms!important;animation-iteration-count:1!important}}}
@layer primitives{.p-shell{width:min(var(--width-content), 100% - 2 * var(--gutter));margin-inline:auto}.p-shell--text{width:min(var(--width-text), 100% - 2 * var(--gutter))}.p-shell--wide{width:min(var(--width-wide), 100% - 2 * var(--gutter))}.p-shell--flush{width:100%}.p-rule{border:0;border-top:1px solid var(--rule);margin-block:var(--space-lg)}.p-rule--strong{border-top-color:var(--rule-strong)}.p-rule--tight{margin-block:var(--space-md)}.p-eyebrow{margin:0 0 var(--space-sm);font-family:var(--family-sans);font-size:var(--text-xs);font-weight:var(--weight-semibold);letter-spacing:.11em;text-transform:uppercase;color:var(--ink-faint);align-items:center;gap:.6rem;display:flex}.p-eyebrow:before{content:"";border-top:1px solid 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var(--rule);font-family:var(--family-sans);font-size:var(--text-xs);color:var(--ink-faint);line-height:1.5}.p-figure__caption a{color:var(--ink-muted)}.p-tablewrap{-webkit-overflow-scrolling:touch;overflow-x:auto}.p-sidenote{font-family:var(--family-sans);font-size:var(--text-xs);color:var(--ink-muted);line-height:1.5}.p-sidenote__marker{font-family:var(--family-mono);vertical-align:super;color:var(--accent);margin-inline:.1em;font-size:.7em}.p-faq{gap:0;display:grid}.p-faq__item{padding-block:var(--space-md);border-top:1px solid var(--rule)}.p-faq__item:last-child{border-bottom:1px solid var(--rule)}.p-faq__q{font-family:var(--family-sans);font-size:var(--text-base);font-weight:var(--weight-semibold);margin-bottom:.4rem}.p-faq__a{max-width:var(--measure);color:var(--ink-muted);font-size:var(--text-sm)}}
@layer components{.site-header{z-index:40;background:color-mix(in srgb, var(--ground) 88%, transparent);-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);border-bottom:1px solid var(--rule);position:sticky;top:0}.site-header__inner{justify-content:space-between;align-items:center;gap:var(--space-md);min-height:4rem;display:flex}.wordmark{font-family:var(--family-serif);font-size:1.32rem;font-weight:var(--weight-semibold);letter-spacing:-.015em;color:var(--ink);border-bottom:2px solid var(--field);align-items:baseline;gap:.28rem;padding-bottom:2px;line-height:1;text-decoration:none;display:inline-flex}.wordmark__tag{font-family:var(--family-mono);font-size:.62em;font-weight:var(--weight-medium);letter-spacing:.04em;text-transform:uppercase;color:var(--ink-faint);transform:translateY(-.15em)}.wordmark--footer{font-size:1.15rem}.site-nav{align-items:center;gap:1.6rem;display:flex}.site-nav__list{align-items:center;gap:1.6rem;margin:0;padding:0;list-style:none;display:flex}.site-nav__link{font-family:var(--family-sans);font-size:var(--text-sm);font-weight:var(--weight-medium);color:var(--ink-muted);border-bottom:2px solid #0000;padding:.4rem 0;text-decoration:none;display:inline-block}.site-nav__link:hover{color:var(--ink)}.site-nav__link[aria-current=page]{color:var(--ink);border-bottom-color:var(--field)}.site-nav__group{position:relative}.site-nav__trigger{font-family:var(--family-sans);font-size:var(--text-sm);font-weight:var(--weight-medium);color:var(--ink-muted);background:0 0;border:0;border-bottom:2px solid #0000;align-items:center;gap:.3rem;padding:.4rem 0;display:inline-flex}.site-nav__trigger:hover,.site-nav__trigger[aria-expanded=true]{color:var(--ink)}.site-nav__chev{width:.6em;height:.6em;transition:transform var(--dur) var(--ease);border-bottom:1.5px solid;border-right:1.5px solid;transform:rotate(45deg)translateY(-.1em)}.site-nav__trigger[aria-expanded=true] .site-nav__chev{transform:rotate(-135deg)translateY(-.1em)}.site-nav__panel{background:var(--ground-raised);border:1px solid var(--rule);border-radius:var(--radius-lg);min-width:16rem;box-shadow:var(--shadow-card);margin:0;padding:.5rem;list-style:none;position:absolute;top:calc(100% + .5rem);left:-1rem}.site-nav__panel a{border-radius:var(--radius);font-family:var(--family-sans);font-size:var(--text-sm);color:var(--ink);padding:.6rem .7rem;text-decoration:none;display:block}.site-nav__panel a:hover{background:var(--field-wash)}.site-nav__panel-desc{font-size:var(--text-xs);color:var(--ink-faint);margin-top:.1rem;display:block}.site-nav__toggle{border:1px solid var(--rule-strong);border-radius:var(--radius);background:0 0;justify-content:center;align-items:center;width:2.5rem;height:2.5rem;display:none}.site-nav__toggle span,.site-nav__toggle span:before,.site-nav__toggle span:after{background:var(--ink);content:"";width:1.05rem;height:1.5px;display:block;position:relative}.site-nav__toggle span:before{top:-5px}.site-nav__toggle span:after{top:3.5px}@media (max-width:52rem){.site-nav__toggle{display:inline-flex}.site-nav{background:var(--ground-raised);border-bottom:1px solid var(--rule);padding:var(--space-sm) var(--gutter) var(--space-md);opacity:0;pointer-events:none;transition:opacity var(--dur) var(--ease), transform var(--dur) var(--ease);display:block;position:fixed;inset:4rem 0 auto;transform:translateY(-8px)}.site-nav[data-open=true]{opacity:1;pointer-events:auto;transform:translateY(0)}.site-nav__list{flex-direction:column;align-items:stretch;gap:0}.site-nav__link,.site-nav__trigger{width:100%;padding:var(--space-sm) 0;border-bottom:1px solid var(--rule);font-size:var(--text-base)}.site-nav__group{position:static}.site-nav__panel{box-shadow:none;padding:0 0 var(--space-sm) var(--space-sm);border:0;min-width:0;position:static}}.site-footer{margin-top:var(--space-3xl);border-top:1px solid var(--rule);padding-block:var(--space-xl)}.site-footer__inner{gap:var(--space-xl);grid-template-columns:minmax(0,1.3fr) minmax(0,1fr);align-items:start;display:grid}.site-footer__blurb{max-width:42ch;margin-top:var(--space-sm);font-size:var(--text-sm);color:var(--ink-muted)}.site-footer__nav{grid-template-columns:repeat(2,1fr);gap:.6rem 1.5rem;display:grid}.site-footer__nav a{font-family:var(--family-sans);font-size:var(--text-sm);color:var(--ink-muted);text-decoration:none}.site-footer__nav a:hover{color:var(--ink)}.site-footer__legal{margin-top:var(--space-lg);font-size:var(--text-xs);color:var(--ink-faint)}@media (max-width:45rem){.site-footer__inner{gap:var(--space-lg);grid-template-columns:1fr}}}
@layer components{.prose{max-width:var(--measure);font-family:var(--family-serif);font-size:var(--text-reading);line-height:var(--leading-reading);color:var(--ink);font-weight:var(--weight-regular)}.prose>section+section{margin-top:var(--space-xl)}.prose p{margin-top:0}.prose p+p{margin-top:1.15em}.prose>section:first-child>p:first-child{font-size:1.14em;line-height:1.55}.prose h2{font-size:var(--text-lg);font-weight:var(--weight-semibold);margin:0 0 .7em}.prose section>h2{margin-top:0}.prose h3{font-size:var(--text-md);margin:1.6em 0 .5em}.prose a{color:var(--ink);text-decoration:underline;-webkit-text-decoration-color:var(--rule-strong);text-decoration-color:var(--rule-strong);text-underline-offset:.2em}.prose a:hover{-webkit-text-decoration-color:var(--field);text-decoration-color:var(--field)}.prose ul,.prose ol{margin:1.15em 0;padding-left:1.3em}.prose li+li{margin-top:.4em}.prose blockquote{padding-left:var(--space-md);border-left:2px solid var(--rule-strong);color:var(--ink-muted);margin:1.4em 0}.prose dt{font-family:var(--family-sans);font-weight:var(--weight-semibold);font-size:.92em}.prose dd{color:var(--ink-muted);margin:.2em 0 1em}.prose-fact{padding:var(--space-md) 0;border-block:1px solid var(--rule);margin:1.6em 0;display:block}.prose-fact__value{font-family:var(--family-mono);font-size:var(--text-xl);font-variant-numeric:tabular-nums;letter-spacing:-.02em;color:var(--ink)}.prose-fact__label{font-family:var(--family-sans);font-size:var(--text-sm);color:var(--ink-muted);margin-top:.3rem;display:block}.prose-fact__source{font-size:var(--text-xs);color:var(--ink-faint)}.prose-pull{padding-left:var(--space-md);border-left:3px solid var(--accent);font-family:var(--family-serif);font-size:var(--text-lg);color:var(--ink);margin:1.8em 0;line-height:1.35}.article-layout{grid-template-columns:minmax(0, var(--measure)) minmax(0, 15rem);column-gap:var(--space-xl);align-items:start;display:grid}.article-layout__aside{position:relative}.article-layout__aside .p-sidenote{padding-top:.1rem}.article-layout__aside .p-sidenote+.p-sidenote{margin-top:var(--space-md)}@media (max-width:68rem){.article-layout{grid-template-columns:minmax(0,1fr)}.article-layout__aside{margin-top:var(--space-md);padding-top:var(--space-sm);border-top:1px solid var(--rule);max-width:var(--measure)}}}
@layer components{.article-card{padding-block:var(--space-md);border-top:1px solid var(--rule);display:block}.article-card__meta{font-family:var(--family-sans);font-size:var(--text-xs);font-weight:var(--weight-semibold);letter-spacing:.06em;text-transform:uppercase;color:var(--ink-faint);flex-wrap:wrap;gap:.4rem 1rem;display:flex}.article-card__title{font-size:var(--text-lg);margin:.55rem 0 .4rem;line-height:1.15}.article-card__title a{text-decoration:none}.article-card__title a:hover{text-decoration:underline;-webkit-text-decoration-color:var(--field);text-decoration-color:var(--field);text-underline-offset:.15em}.article-card__dek{max-width:58ch;color:var(--ink-muted);font-family:var(--family-sans);font-size:var(--text-sm)}.article-card__more{font-family:var(--family-sans);font-size:var(--text-sm);align-items:center;gap:.4rem;margin-top:.7rem;display:inline-flex}.article-card--list{padding-block:var(--space-lg)}@media (min-width:46rem){.article-card--list{column-gap:var(--space-xl);grid-template-columns:12rem minmax(0,1fr);display:grid}.article-card--list .article-card__meta{flex-direction:column;gap:.3rem}.article-card--list .article-card__title{margin-top:0}}.article-card--feature .article-card__title{font-size:var(--text-xl)}}
@layer components{.calculator-shell{background:var(--ground-raised);border:1px solid var(--rule);border-radius:var(--radius-lg);box-shadow:var(--shadow-card);flex-direction:column;min-height:30rem;display:flex;overflow:hidden}.calculator-shell--compact{min-height:28rem}.prototype-notice{text-align:center;background:color-mix(in srgb, var(--above) 12%, transparent);color:var(--above);font-family:var(--family-sans);font-size:var(--text-xs);font-weight:var(--weight-semibold);padding:.55rem 1rem}.calculator-progress{font-family:var(--family-mono);font-size:var(--text-xs);color:var(--ink-faint);font-variant-numeric:tabular-nums;justify-content:space-between;align-items:center;gap:1rem;padding:1.1rem 1.4rem 0;display:flex}.calculator-progress>div{grid-template-columns:repeat(var(--question-count,9), 1fr);flex:1;gap:4px;max-width:12rem;display:grid}.calculator-progress i{background:var(--rule-strong);border-radius:2px;height:3px}.calculator-progress i.is-active{background:var(--field)}.calculator-stage{animation:card-in .16s var(--ease);flex:1}.question-card{padding:1.6rem 1.6rem .5rem}.question-card__heading{margin-bottom:1.3rem}.question-card__heading .p-eyebrow{margin-bottom:.7rem}.question-card__heading h2{font-size:var(--text-lg);margin:0 0 .5rem}.question-card__heading>p:last-child{max-width:44ch;font-family:var(--family-sans);font-size:var(--text-sm);color:var(--ink-muted)}.option-grid{gap:.6rem;display:grid}.option-grid--two{grid-template-columns:repeat(2,minmax(0,1fr))}.option-button{text-align:left;background:var(--ground-raised);border:1px solid var(--rule);border-radius:var(--radius);width:100%;min-height:5rem;color:var(--ink);transition:border-color var(--dur) var(--ease), background var(--dur) var(--ease);justify-content:space-between;align-items:flex-start;gap:1rem;padding:.9rem 2.6rem .9rem .95rem;display:flex;position:relative}.option-button:hover{border-color:var(--ink-faint)}.option-button.is-selected{border-color:var(--field);background:var(--field-wash)}.option-button__copy{gap:.2rem;display:grid}.option-button__copy strong{font-family:var(--family-sans);font-weight:var(--weight-semibold);line-height:1.3}.option-button__copy span{font-family:var(--family-sans);font-size:var(--text-xs);color:var(--ink-muted);line-height:1.4}.option-button__mark{border:1px solid var(--rule-strong);width:1.25rem;height:1.25rem;color:var(--field-ink);font-size:.7rem;font-weight:var(--weight-bold);background:0 0;border-radius:3px;place-items:center;display:grid;position:absolute;top:.8rem;right:.8rem}.option-button.is-selected .option-button__mark{background:var(--field);border-color:var(--field)}.stepper-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:.9rem;display:grid}.stepper{border:1px solid var(--rule);border-radius:var(--radius);padding:1.1rem}.stepper__label{font-family:var(--family-sans);font-weight:var(--weight-semibold);margin-bottom:1rem;display:block}.stepper__controls{grid-template-columns:2.75rem 1fr 2.75rem;align-items:center;gap:.7rem;display:grid}.stepper button{border:1px solid var(--rule-strong);border-radius:var(--radius);background:var(--ground);width:2.75rem;height:2.75rem;font-size:1.2rem;line-height:1}.stepper button:disabled{opacity:.35}.stepper output{text-align:center;font-family:var(--family-mono);font-variant-numeric:tabular-nums;font-size:1.7rem}.selection-note{font-family:var(--family-sans);font-size:var(--text-xs);color:var(--ink-muted);text-align:right;margin-top:.8rem}.question-footnote{font-family:var(--family-sans);font-size:var(--text-xs);color:var(--ink-faint);margin-top:.8rem;line-height:1.45}.calculator-actions{border-top:1px solid var(--rule);justify-content:space-between;gap:1rem;padding:1.1rem 1.4rem 1.4rem;display:flex}.result-panel{padding:1.6rem;overflow:auto}.result-panel__intro{text-align:center}.result-panel__intro .p-eyebrow{justify-content:center}.result-panel__intro h2{font-size:var(--text-md);margin-bottom:.5rem}.result-panel__intro p:last-child{font-family:var(--family-sans);font-size:var(--text-sm);color:var(--ink-muted)}.result-panel__rate{font-family:var(--family-mono);font-size:clamp(3.2rem,7vw,4.6rem);font-weight:var(--weight-semibold);letter-spacing:-.04em;color:var(--field);margin-bottom:.5rem;line-height:1}.result-panel__approx{font-family:var(--family-sans);font-size:var(--text-xs);font-weight:var(--weight-semibold);letter-spacing:.1em;text-transform:uppercase;color:var(--ink-faint);margin-bottom:.2rem;display:block}.result-panel__profile{max-width:40ch;font-family:var(--family-sans);font-size:var(--text-xs);color:var(--ink-muted);margin:.8rem auto 0;line-height:1.5}.comparison-bars{gap:1rem;margin:1.6rem 0;display:grid}.comparison-bars>div{grid-template-columns:1fr auto;align-items:center;gap:.4rem 1rem;display:grid}.comparison-bars span{font-family:var(--family-sans);font-size:var(--text-sm);font-weight:var(--weight-medium)}.comparison-bars strong{font-family:var(--family-mono);font-variant-numeric:tabular-nums}.comparison-bars i{background:var(--above);border-radius:3px;grid-column:1/-1;min-width:3px;height:6px}.comparison-bars[data-vs=below]>div:first-child i{background:var(--below)}.comparison-bars>div:nth-child(2) i{background:var(--neutral-mark)}.driver-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:.8rem;display:grid}.driver-card{background:var(--ground-sunk);border-radius:var(--radius);padding:1rem}.driver-card h3{font-family:var(--family-sans);font-size:var(--text-sm);margin-bottom:.6rem}.driver-card ul{font-family:var(--family-sans);font-size:var(--text-sm);color:var(--ink-muted);margin:0;padding-left:1.1rem}.driver-card li+li{margin-top:.5rem}.driver-card li strong{color:var(--ink);font-size:var(--text-sm);display:block}.driver-card li span{font-size:var(--text-xs);margin-top:.1rem;line-height:1.35;display:block}.driver-card p{font-family:var(--family-sans);font-size:var(--text-sm);color:var(--ink-muted);margin:0}.impact-block,.impact-panel{border:1px solid var(--rule);border-radius:var(--radius);margin-top:1rem;padding:1.1rem}.impact-panel{padding:0;overflow:hidden}.impact-block h3{font-family:var(--family-sans);font-size:var(--text-base);margin-bottom:.8rem}.impact-block label,.impact-panel label{font-family:var(--family-sans);font-size:var(--text-sm);font-weight:var(--weight-medium);gap:.5rem;display:grid}.impact-panel summary{font-family:var(--family-sans);font-weight:var(--weight-semibold);font-size:var(--text-sm);cursor:pointer;padding:.9rem 1.1rem}.impact-panel__content{padding:0 1.1rem 1.1rem}.money-input{background:var(--ground-raised);border:1px solid 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@layer components{.page-head{max-width:46rem;margin:var(--space-lg) 0 var(--space-xl)}.page-head h1{margin:0 0 var(--space-sm);font-size:var(--text-2xl)}.page-head>p{font-family:var(--family-sans);font-size:var(--text-md);color:var(--ink-muted);line-height:1.5}.page-head__meta{margin-top:var(--space-xs);font-family:var(--family-sans);font-size:var(--text-sm);color:var(--ink-faint)}.release-copy{max-width:var(--measure);margin-top:var(--space-xl);font-family:var(--family-serif);font-size:var(--text-reading);line-height:var(--leading-reading)}.release-copy h2{font-size:var(--text-lg);margin:0 0 .7em}.release-copy section+section,.release-copy>h2:not(:first-child){margin-top:var(--space-lg)}.release-copy p+p{margin-top:1em}.release-copy p{margin:0}.release-cta{align-items:center;gap:var(--space-sm) var(--space-md);margin-top:var(--space-xl);padding-top:var(--space-md);border-top:1px solid var(--rule);flex-wrap:wrap;display:flex}.spread-stats{gap:var(--space-md);margin:var(--space-lg) 0 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@layer tokens,base,primitives,components,pages,utilities;