:root{--ink:#14212b;--ink-2:#3c4a55;--muted:#5b6873;--bg:#fff;--bg-2:#f4f7f6;--cream:#f6f2e8;--line:#d5dde2;--input-line:#6f7c85;--brand:#0f6b5c;--brand-dark:#0a4d42;--brand-ink:#fff;--brand-soft:#e3f2ee;--accent:#b5470b;--warn-bg:#fff6e0;--warn-line:#e3b341;--danger:#a4161a;--focus:#1a5fd0;--radius:10px;--radius-lg:14px;--radius-sm:8px;--shadow:0 2px 8px #14212b14;--max:72rem;--font:system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;--fs-min:1rem;--fs-body:1.125rem;--fs-lead:clamp(1.25rem, 1.15rem + .4vw, 1.375rem);color-scheme:light}*,:before,:after{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{font-family:var(--font);font-size:var(--fs-body);color:var(--ink);background:var(--bg);overflow-wrap:break-word;margin:0;line-height:1.6}img,svg{max-width:100%;height:auto}a{color:var(--brand);text-underline-offset:2px}a:hover{color:var(--brand-dark)}h1,h2,h3,h4{color:var(--ink);font-weight:700;line-height:1.2}h1{letter-spacing:-.01em;margin:.4em 0 .3em;font-size:clamp(2rem,1.35rem + 2.6vw,3rem);font-weight:800;line-height:1.15}h2{margin-top:1.6em;margin-bottom:.5em;font-size:clamp(1.625rem,1.35rem + 1.1vw,2rem)}h3{margin-top:1.4em;font-size:1.25rem}h4{font-size:1.125rem}p,li{max-width:70ch}:focus-visible{outline:3px solid var(--focus);outline-offset:2px;border-radius:3px}.skip-link{background:var(--ink);color:#fff;z-index:100;border-radius:6px;padding:.6rem 1rem;position:absolute;top:-4rem;left:.5rem}.skip-link:focus{top:.5rem}.visually-hidden{clip:rect(0 0 0 0);white-space:nowrap;border:0;width:1px;height:1px;margin:-1px;padding:0;overflow:hidden;position:absolute!important}.wrap{max-width:var(--max);margin:0 auto;padding:0 1rem}@media (width>=48rem){.wrap{padding:0 1.5rem}}.num,.stat .v,.answer-v,table{font-variant-numeric:tabular-nums}.site-header{border-bottom:1px solid var(--line);background:#fff}.site-header .wrap{flex-wrap:wrap;justify-content:space-between;align-items:center;gap:.25rem 1rem;min-height:4rem;padding-top:.25rem;padding-bottom:.25rem;display:flex}.wordmark{min-height:44px;color:var(--ink);letter-spacing:-.01em;align-items:center;gap:.5rem;font-size:1.375rem;font-weight:800;text-decoration:none;display:inline-flex}.wordmark svg{width:32px;height:32px}.site-nav ul{flex-wrap:wrap;gap:.25rem 1.25rem;margin:0;padding:0;list-style:none;display:flex}.site-nav a{min-height:44px;color:var(--ink-2);align-items:center;padding:0 .15rem;font-weight:600;text-decoration:none;display:inline-flex}.site-nav a[aria-current=page],.site-nav a:hover{color:var(--brand);text-underline-offset:6px;text-decoration:underline 2px}main{padding-bottom:3rem}main.bands{padding-bottom:0}.site-footer{border-top:1px solid var(--line);background:var(--bg-2);font-size:var(--fs-min);color:var(--ink-2);padding:2.5rem 0 2rem}.footer-grid{grid-template-columns:repeat(auto-fit,minmax(12rem,1fr));gap:1.75rem 2rem;margin-bottom:1.75rem;display:grid}.site-footer ul{margin:0;padding:0;list-style:none}.site-footer li a{align-items:center;min-height:44px;display:inline-flex}.site-footer h2{margin:0 0 .25rem;font-size:1.125rem}.site-footer .fine{color:var(--ink-2);margin:.6rem 0}.fine{font-size:var(--fs-min);color:var(--muted)}.breadcrumbs ol{font-size:var(--fs-min);color:var(--muted);flex-wrap:wrap;gap:.25rem;margin:1rem 0 0;padding:0;list-style:none;display:flex}.breadcrumbs li+li:before{content:"›";margin-right:.25rem}.lead,.lede{font-size:var(--fs-lead);color:var(--ink-2);margin-top:0;line-height:1.5}.eyebrow{color:var(--brand);margin:1rem 0 0;font-size:1.125rem;font-weight:600}.hero .eyebrow{margin:0 0 .25rem}.kicker{font-size:var(--fs-min);color:var(--brand);margin:0;font-weight:700}.card .kicker{margin:0 0 .35rem}.results-eyebrow{font-size:var(--fs-min);color:var(--brand);margin-bottom:.25rem;font-weight:600;display:block}.field-note{color:var(--ink-2);margin-top:.3rem}fieldset>.field-note{margin:0 0 .75rem}.table-cue{font-size:var(--fs-min);color:var(--ink-2);margin:1rem 0 .25rem;font-weight:600}.steps-intro{font-size:var(--fs-body);color:var(--ink-2);margin:.5rem 0 0}.step-text{flex-direction:column;display:flex}.step-title{color:var(--ink);font-weight:700}.step-line{font-weight:400;font-size:var(--fs-min);color:var(--ink-2);line-height:1.45}.h1-line{display:block}.tool-name{font-size:var(--fs-lead);color:var(--ink);margin:0 0 .5rem;font-weight:600}h1+.tool-name{margin-top:-.1rem}.lead.tool-name{color:var(--ink-2);font-weight:400}.mark-line{text-decoration-line:underline;text-decoration-color:var(--brand);text-underline-offset:.18em;text-decoration-skip-ink:none;text-decoration-thickness:.14em}.results-eyebrow .mark-line{text-decoration-thickness:2px}.callout{font-size:var(--fs-min);color:var(--ink);align-items:center;gap:.75rem;margin:.75rem 0 0;display:flex}.circled{border:3px solid var(--brand);color:var(--brand);border-radius:50%;flex:none;justify-content:center;align-items:center;padding:.15rem .6rem;font-weight:800;display:inline-flex;transform:rotate(-4deg)}.card-block{margin:0}.card-block .kicker{font-size:inherit;display:inline}.band{padding:2rem 0}@media (width>=48rem){.band{padding:3rem 0}}.band-white{background:var(--bg)}.band-cream{background:var(--cream)}.band-teal{background:var(--brand-soft)}.band h2{margin-top:0}.band .steps-h{margin-top:2.5rem}.band>.wrap>:last-child{margin-bottom:0}.hero{padding:1.25rem 0 .5rem}.band.hero{padding:2rem 0}@media (width>=48rem){.band.hero{padding:3rem 0}}.hero h1{margin-top:0}.hero-grid{align-items:center;gap:2rem;display:grid}@media (width>=60rem){.hero-grid{grid-template-columns:minmax(0,7fr) minmax(0,5fr);gap:3rem}}.hero-privacy{font-size:var(--fs-min);color:var(--ink-2);margin:0 0 1.25rem}.cta-row{flex-wrap:wrap;gap:.75rem;margin:0 0 1.25rem;display:flex}.chips{flex-wrap:wrap;gap:.5rem .75rem;margin:0;padding:0;list-style:none;display:flex}.chips li{border:1px solid var(--line);min-height:40px;font-size:var(--fs-min);color:var(--ink);background:#fff;border-radius:999px;align-items:center;gap:.4rem;padding:.3rem .85rem .3rem .6rem;font-weight:600;display:inline-flex}.chips svg{width:22px;height:22px;color:var(--brand);flex:none}.hero-visual{border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);background:#fff;margin:0;padding:1.25rem}.path-chart{position:relative}.path-chart svg{width:100%;height:auto;display:block}.path-labels{font-size:var(--fs-min);color:var(--ink-2);justify-content:space-between;gap:1rem;margin-top:.5rem;display:flex}.path-labels strong{color:var(--ink);font-variant-numeric:tabular-nums}.path-labels span:last-child{text-align:right}.hero-visual figcaption{font-size:var(--fs-min);color:var(--ink-2);border-top:1px solid var(--line);margin-top:.75rem;padding-top:.6rem}.grid{grid-template-columns:repeat(auto-fill,minmax(16rem,1fr));gap:1rem;display:grid}.card{border:1px solid var(--line);border-radius:var(--radius);background:#fff;padding:1.25rem;position:relative}.card h2,.card h3{margin-top:.2rem;font-size:1.25rem;font-weight:700}.card a.stretched{color:inherit;text-decoration:none}.card a.stretched:after{content:"";border-radius:var(--radius);position:absolute;inset:0}.card a.stretched:hover h2,.card a.stretched:hover h3{color:var(--brand);text-decoration:underline}.card-grid{grid-template-columns:repeat(auto-fit,minmax(min(100%,16rem),1fr));gap:1rem;margin:0;padding:0;list-style:none;display:grid}.calc-card{flex-direction:column;gap:.5rem;transition:border-color .15s,box-shadow .15s;display:flex}.calc-card:hover,.calc-card:focus-within{border-color:var(--brand);box-shadow:var(--shadow)}.calc-card h3{margin:.25rem 0 0}.calc-card h3 a{color:var(--ink);text-decoration:none}.calc-card a.stretched:focus-visible{outline:none}.calc-card a.stretched:focus-visible:after{outline:3px solid var(--focus);outline-offset:2px}.calc-card p{margin:0}.calc-card .open{color:var(--brand);margin-top:auto;padding-top:.25rem;font-weight:700}.calc-card:hover .open{text-decoration:underline}.icon-tile{border-radius:var(--radius-sm);background:var(--brand-soft);width:44px;height:44px;color:var(--brand);justify-content:center;align-items:center;display:inline-flex}.icon-tile svg{width:28px;height:28px}.steps-h{margin:2.5rem 0 0;font-size:1.375rem}.steps{grid-template-columns:repeat(auto-fit,minmax(min(100%,14rem),1fr));gap:1rem;margin:1rem 0 0;padding:0;list-style:none;display:grid}.steps li{align-items:flex-start;gap:.75rem;max-width:none;font-size:1.125rem;font-weight:700;display:flex}.step-n{background:var(--brand);color:#fff;border-radius:50%;flex:none;justify-content:center;align-items:center;width:2.5rem;height:2.5rem;font-size:1.125rem;font-weight:800;display:inline-flex}.band-card{border:1px solid var(--line);border-radius:var(--radius);background:#fff;max-width:48rem;padding:1.5rem}.band-card h2{margin-top:0}.band-card>:last-child{margin-bottom:0}.notice{background:var(--warn-bg);border:1px solid var(--warn-line);border-radius:var(--radius);padding:.75rem 1rem}.placeholder{background:#fff2b3;padding:0 .2em;font-weight:700}.meta-line{color:var(--muted);font-size:var(--fs-min)}.tag{background:var(--brand-soft);color:var(--brand-dark);font-size:var(--fs-min);border-radius:999px;padding:.1rem .65rem;font-weight:600;display:inline-block}.btn{border-radius:var(--radius-sm);border:2px solid var(--brand);background:var(--brand);min-height:48px;color:var(--brand-ink);font:inherit;font-size:var(--fs-body);text-align:center;cursor:pointer;justify-content:center;align-items:center;gap:.4rem;padding:.6rem 1.25rem;font-weight:700;line-height:1.25;text-decoration:none;display:inline-flex}.btn:hover{background:var(--brand-dark);border-color:var(--brand-dark);color:#fff}.btn.secondary{color:var(--brand);background:#fff}.btn.secondary:hover{background:var(--brand-soft);color:var(--brand-dark)}.btn[disabled],.btn[aria-disabled=true]{color:#4a5660;cursor:not-allowed;background:#e9eef0;border-color:#c4ced4}.btn.small{min-height:44px;font-size:var(--fs-min);padding:.4rem .9rem}label{font-weight:600;font-size:var(--fs-body);margin-bottom:.3rem;display:block}.field{margin-bottom:1rem}.hint{font-weight:400;font-size:var(--fs-min);color:var(--muted);display:block}input[type=text],input[type=email],input[type=number],input[type=month],select{border:1px solid var(--input-line);border-radius:var(--radius-sm);width:100%;min-height:48px;font:inherit;font-size:var(--fs-body);color:var(--ink);font-variant-numeric:tabular-nums;background:#fff;padding:.5rem .75rem}.input-affix{align-items:stretch;display:flex}.input-affix span{background:var(--bg-2);border:1px solid var(--input-line);color:var(--ink-2);font-size:var(--fs-min);white-space:nowrap;align-items:center;padding:0 .7rem;font-weight:600;display:inline-flex}.input-affix span:first-child{border-radius:var(--radius-sm) 0 0 var(--radius-sm);border-right:0}.input-affix span:last-child{border-radius:0 var(--radius-sm) var(--radius-sm) 0;border-left:0}.input-affix input{border-radius:0;flex:1 1 0;width:100%;min-width:0}.input-affix input:first-child{border-radius:var(--radius-sm) 0 0 var(--radius-sm)}.input-affix input:last-child,.input-affix span:first-child+input:last-child{border-radius:0 var(--radius-sm) var(--radius-sm) 0}.check{align-items:flex-start;gap:.6rem;font-weight:400;display:flex}.check input{flex:none;width:1.5rem;height:1.5rem;margin-top:.15rem}.error{color:var(--danger);font-weight:600;font-size:var(--fs-min);display:block}fieldset{border:1px solid var(--line);border-radius:var(--radius);background:#fff;min-width:0;margin:0 0 1rem;padding:.75rem 1rem}legend{font-weight:700;font-size:var(--fs-body);padding:0 .3rem}.calc{border:1px solid var(--line);border-radius:var(--radius-lg);background:var(--bg-2);margin:1rem 0 1.5rem;padding:1rem}.calc-slot{min-height:36rem;margin:1rem 0 1.5rem}.calc-slot .calc{margin:0}@media (width>=60rem){.calc{padding:1.5rem}.calc-slot{min-height:40rem}.calc-layout{grid-template-columns:minmax(0,5fr) minmax(0,6fr);align-items:start;gap:1.5rem;display:grid}.calc-layout>.results{position:sticky;top:1rem}}.jump-results{align-items:center;min-height:44px;margin:0 0 1rem;font-weight:700;display:inline-flex}@media (width>=60rem){.jump-results{display:none}}.calc .two{grid-template-columns:repeat(auto-fit,minmax(min(100%,9rem),1fr));gap:0 .75rem;display:grid}.results{border:1px solid var(--line);border-top:4px solid var(--brand);border-radius:var(--radius);box-shadow:var(--shadow);background:#fff;min-width:0;padding:1.25rem;scroll-margin-top:1rem}.results>h2{color:var(--ink-2);margin-top:0;font-size:1.25rem}.results h3{margin-top:1.25rem;font-size:1.25rem}.answer{margin:0 0 .75rem}.answer-k{font-size:var(--fs-min);color:var(--ink-2);font-weight:600;display:block}.answer-v{color:var(--ink);font-size:clamp(2rem,1.6rem + 1.5vw,2.5rem);font-weight:800;line-height:1.15;display:block}.answer-sub{font-size:var(--fs-body);color:var(--ink-2);margin-top:.15rem;font-weight:600;display:block}.stats{grid-template-columns:repeat(auto-fit,minmax(min(100%,11rem),1fr));gap:.75rem;margin:1rem 0;display:grid}.stat{border-left:4px solid var(--brand);min-width:0;padding:.2rem .75rem}.stat .k{font-size:var(--fs-min);color:var(--ink-2);line-height:1.35;display:block}.stat .v{font-size:1.5rem;font-weight:800;line-height:1.25;display:block}.stat.alt{border-color:var(--accent)}.verdict{font-size:var(--fs-body);background:var(--brand-soft);border-radius:var(--radius-sm);margin:.75rem 0;padding:.75rem 1rem}.verdict.warn{background:var(--warn-bg)}.debt-row{border-bottom:1px dashed var(--line);grid-template-columns:1fr 1fr;gap:0 .5rem;margin-bottom:.75rem;padding-bottom:.5rem;display:grid}@media (width>=36rem){.debt-row{grid-template-columns:minmax(0,1fr) minmax(0,1fr);align-items:end}}@media (width<=22rem){.debt-row{grid-template-columns:minmax(0,1fr)}}.debt-row .field:first-child{grid-column:1/-1}.debt-row .field{min-width:0;margin-bottom:.5rem}.tabs{flex-wrap:wrap;gap:.5rem;margin-bottom:1rem;display:flex}.tabs .btn{flex:12rem}.tabs button[aria-pressed=true]{background:var(--brand);border-color:var(--brand);color:#fff}.tabs button[aria-pressed=true]:before{content:"✓";font-weight:800}table{border-collapse:collapse;width:100%;font-size:var(--fs-min)}th,td{text-align:right;border-bottom:1px solid var(--line);vertical-align:top;padding:.5rem .6rem}thead th,thead td{background:var(--bg-2);border-bottom:2px solid var(--line)}th:first-child,td:first-child{text-align:left}caption{text-align:left;font-weight:700;font-size:var(--fs-body);padding-bottom:.4rem}.table-scroll{max-width:100%;overflow-x:auto}.compare td.better{background:var(--brand-soft);font-weight:700}.compare td.diff{text-align:left}.compare .tag-better{font-size:var(--fs-min);color:var(--brand-dark);font-weight:700;display:block}.compare caption{padding-bottom:.5rem;font-size:1.25rem}@media (width<=40rem){.compare,.compare caption,.compare tbody,.compare tr,.compare th,.compare td{display:block}.compare thead{clip:rect(0 0 0 0);white-space:nowrap;width:1px;height:1px;position:absolute;overflow:hidden}.compare tr{border:1px solid var(--line);border-radius:var(--radius-sm);margin-bottom:.75rem;overflow:hidden}.compare th[scope=row]{background:var(--bg-2);border-bottom:1px solid var(--line)}.compare td{text-align:left;flex-wrap:wrap;justify-content:space-between;gap:0 1rem;display:flex}.compare td:before{content:attr(data-label);color:var(--ink-2);font-weight:600}.compare td.better .tag-better{text-align:right;flex-basis:100%}.compare td.diff,.compare td.diff:before{display:block}}details{border:1px solid var(--line);border-radius:var(--radius-sm);background:#fff;margin:.6rem 0;padding:.5rem .8rem}summary{cursor:pointer;align-items:center;min-height:44px;font-weight:700;display:flex}@media (width<=30rem){.calc{padding:.75rem}.results{padding:1rem}fieldset{padding:.75rem}}.chart{margin:1rem 0}.lc{grid-template-rows:auto auto auto;grid-template-columns:auto minmax(0,1fr);column-gap:.5rem;padding-top:.75rem;display:grid}.lc-y{min-width:3.25rem;font-size:var(--fs-min);color:var(--ink-2);font-variant-numeric:tabular-nums;grid-area:1/1;position:relative}.lc-y span{white-space:nowrap;line-height:1;position:absolute;right:0;transform:translateY(-50%)}.lc-plot{border-left:1px solid var(--input-line);border-bottom:1px solid var(--input-line);grid-area:1/2;height:12rem;position:relative}@media (width>=48rem){.lc-plot{height:14rem}}.lc-plot svg{width:100%;max-width:none;height:100%;position:absolute;inset:0;overflow:visible}.lc-x{height:1.75rem;font-size:var(--fs-min);color:var(--ink-2);font-variant-numeric:tabular-nums;grid-area:2/2;position:relative}.lc-x span{white-space:nowrap;line-height:1;position:absolute;top:.25rem;transform:translate(-50%)}.lc-x span:first-child{transform:none}.lc-x span:last-child{transform:translate(-100%)}.lc-xlabel{text-align:center;font-size:var(--fs-min);color:var(--ink-2);grid-area:3/2}.chart figcaption{font-size:var(--fs-min);color:var(--ink-2);margin-top:.25rem}.legend{font-size:var(--fs-min);flex-wrap:wrap;gap:.25rem 1.25rem;margin:.5rem 0;padding:0;list-style:none;display:flex}.legend li{align-items:center;gap:.4rem;display:inline-flex}.legend svg{flex:none;width:2rem;height:.75rem}.bars{gap:.5rem;margin:0;padding:0;list-style:none;display:grid}.bars li{font-size:var(--fs-min);grid-template-columns:minmax(0,10rem) minmax(0,1fr);align-items:center;gap:.25rem .75rem;max-width:none;display:grid}.bars .bar{font-variant-numeric:tabular-nums;align-items:center;gap:.5rem;font-weight:700;display:flex}.bars .bar i{border-radius:4px;min-width:2px;height:1.25rem;display:block}.prose h2{border-top:1px solid var(--line);padding-top:1.2rem}.prose table{max-width:100%;margin:1rem 0;display:block;overflow-x:auto}.prose code{background:var(--bg-2);border-radius:4px;padding:.05rem .3rem}.prose .formula{background:var(--bg-2);border-radius:var(--radius-sm);font-family:ui-monospace,SFMono-Regular,Menlo,monospace;font-size:var(--fs-min);padding:.6rem .9rem;overflow-x:auto}.byline{color:var(--ink-2);font-size:var(--fs-min);flex-wrap:wrap;gap:.25rem 1rem;display:flex}.price{font-size:1.5rem;font-weight:800}.buy-box{border:2px solid var(--brand);border-radius:var(--radius-lg);background:#fff;padding:1rem 1.2rem}.capture{border:1px solid var(--line);border-radius:var(--radius-lg);background:#fff;margin:2rem 0;padding:1rem 1.2rem}@media (prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important;animation:none!important}}@media print{.site-header,.site-footer,.capture,.skip-link,.jump-results{display:none}.results{box-shadow:none;position:static}}.buy-button{flex-wrap:wrap;align-items:center;gap:.35rem .75rem;margin:.5rem 0;display:flex}.buy-button form{margin:0}.refund-notice{font-size:var(--fs-min);color:var(--muted)}.badge{background:var(--brand);color:#fff;font-size:var(--fs-min);border-radius:999px;margin:0;padding:.1rem .65rem;font-weight:600;display:inline-block}.promo{background:var(--warn-bg);border-radius:var(--radius-sm);padding:.5rem .75rem}.product-card.highlight{border:2px solid var(--brand)}.tax-note{font-size:var(--fs-min);color:var(--muted);white-space:nowrap}.checkout-terms{margin-top:.25rem;display:block}.brand-row{flex-wrap:wrap;align-items:baseline;gap:.4rem;display:inline-flex}.seller-by{color:var(--muted);font-size:var(--fs-min)}.draft-banner{background:var(--warn-bg);border-radius:var(--radius-sm);border:2px solid #8a5a00;padding:.6rem .8rem;font-weight:600}.share-bar{border-top:1px solid var(--line);margin:1.25rem 0 0;padding-top:1rem}.share-actions{flex-wrap:wrap;gap:.5rem .75rem;display:flex}.share-bar .btn{font-size:var(--fs-min);min-height:48px}.share-bar .fine{color:var(--ink-2);margin:.5rem 0 0}.sz-trust{border:1px solid var(--line);border-radius:var(--radius);font-size:var(--fs-min);background:#fff;margin:1.5rem 0;padding:1.25rem}.sz-trust p{margin:.5rem 0}.sz-trust .sz-trust-h{margin-bottom:.1rem}.sz-trust ul{margin:.1rem 0 .5rem;padding-left:1.25rem}.sz-trust .byline{display:block}.eyebrow+h1{margin-top:.15em}