:root{font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:#213b34;background:#f5f6f1;font-synthesis:none;--green:#123f36;--muted:#67766e;--line:#dce2d8;--lime:#d8efad}
*{box-sizing:border-box}body{margin:0}a{color:inherit}button,input{font:inherit}button,a,input,summary{touch-action:manipulation}button{cursor:pointer}button:disabled{cursor:wait;opacity:.65}a,button,input,summary,[tabindex]{outline-offset:5px}a:focus-visible,button:focus-visible,input:focus-visible,summary:focus-visible,[tabindex]:focus-visible{outline:3px solid #55892e}[hidden]{display:none!important}
.site-header,main,footer{width:min(1160px,calc(100% - 64px));margin:auto}.site-header{display:flex;align-items:center;justify-content:space-between;padding:26px 0;border-bottom:1px solid var(--line)}.brand{display:inline-flex;align-items:center;gap:9px;text-decoration:none;font-size:24px;font-weight:750;letter-spacing:-1px}.brand-dot{color:#6c973e;margin-left:-9px}.header-note{font-size:13px;color:var(--muted)}.intro{padding:43px 0 29px}.eyebrow{font-size:10px;letter-spacing:1.9px;font-weight:750;color:var(--muted);margin:0 0 13px}h1{font-size:clamp(28px,4vw,43px);font-weight:600;letter-spacing:-1.8px;margin:0 0 10px;line-height:1.15}.intro>p:last-child{font-size:15px;color:var(--muted);margin:0;line-height:1.6}.calculator-nav{display:flex;gap:8px;margin:0 0 23px}.calculator-nav a{text-decoration:none;font-size:13px;font-weight:650;padding:14px 19px;border:1px solid var(--line);border-radius:8px;display:flex;gap:35px;align-items:center;background:#fff}.calculator-nav a[aria-current]{background:var(--green);color:#fff;border-color:var(--green)}.calculator-nav span{font-size:10px;opacity:.6}.workspace{display:grid;grid-template-columns:390px 1fr;border:1px solid var(--line);border-radius:14px;overflow:hidden;background:#fff;box-shadow:0 6px 22px #213b3404}.input-panel{padding:29px;border-right:1px solid var(--line)}.section-heading{display:flex;gap:9px;align-items:center;font-size:10px;letter-spacing:1.5px;font-weight:700;color:var(--muted);margin-bottom:22px}.step-marker{display:inline-flex;align-items:center;justify-content:center;width:23px;height:23px;border:1px solid #cdd7c9;border-radius:50%;font-size:9px;letter-spacing:0}h2{font-size:21px;letter-spacing:-.5px;font-weight:600;margin:0 0 9px}.muted{font-size:12px;color:var(--muted);line-height:1.7;margin:0 0 25px}label{display:block;font-size:12px;font-weight:650;margin:19px 0 8px}.input-wrap{display:flex;align-items:center;border:1px solid #ccd6c9;border-radius:7px;background:#fff;min-height:45px;padding:0 13px;gap:6px}.input-wrap:focus-within{border-color:#3b704a;box-shadow:0 0 0 2px #cce0bb}.input-wrap span{font-size:13px;color:var(--muted)}input{width:100%;min-width:0;border:0;background:transparent;padding:12px 0;font-size:16px;font-weight:500;color:#183d31}input:focus{outline:none}input::-webkit-inner-spin-button{appearance:none}.field-row{display:grid;grid-template-columns:1fr 1fr;gap:15px}.optional{font-weight:400;color:var(--muted);font-size:10px;margin-left:5px}.field-hint{font-size:11px;color:var(--muted);margin:9px 0 21px}fieldset{padding:0;border:0;margin:0;min-width:0}.primary-button{border:0;border-radius:7px;background:var(--green);color:#fff;width:100%;padding:14px 17px;display:flex;justify-content:space-between;font-size:13px;font-weight:600}.primary-button:hover{background:#215647}.primary-button span{font-size:18px;line-height:17px}.privacy-note{font-size:10px;line-height:1.7;color:var(--muted);margin:16px 0 0}.results-panel{padding:29px 34px;background:#fbfcf8;min-width:0}#status{font-size:12px;color:var(--muted);line-height:1.5}.main-result>span{font-size:13px;color:var(--muted)}.main-result strong{display:block;font-weight:550;letter-spacing:-2.2px;font-size:clamp(36px,4.5vw,54px);line-height:1.2;margin:7px 0}.main-result p{font-size:11px;color:var(--muted);margin:8px 0 25px}.metrics{display:grid;grid-template-columns:1fr 1fr 1fr;padding:21px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line);gap:14px}.metrics span{display:block;font-size:11px;color:var(--muted);margin-bottom:7px}.metrics strong{font-size:17px;font-weight:600;letter-spacing:-.4px}.savings{background:#eaf3dc;color:#345325;font-size:12px;line-height:1.6;padding:11px 14px;border-radius:6px;margin-top:17px}.chart-header{display:flex;justify-content:space-between;align-items:center;gap:10px;margin:26px 0 13px}.chart-header h3{font-size:12px;font-weight:600;margin:0}.chart-header span{font-size:9px;color:var(--muted);display:flex;align-items:center;gap:6px}.chart-header i{display:inline-block;width:7px;height:7px;background:#3a7355;border-radius:50%}.chart{height:160px}.chart svg{display:block;width:100%;height:100%;overflow:visible}.chart .grid{stroke:#dce2d8;stroke-dasharray:4 5;stroke-width:1}.chart .area{fill:#e1edcc}.chart .curve{stroke:#397451;stroke-width:2.5;fill:none;vector-effect:non-scaling-stroke}.chart-axis{display:flex;justify-content:space-between;font-size:10px;color:var(--muted);margin-top:9px}.schedule-panel{margin-top:23px;border:1px solid var(--line);border-radius:12px;background:#fff;padding:24px 29px}.schedule-heading{display:flex;align-items:center;justify-content:space-between;gap:16px}.schedule-heading .eyebrow{font-size:9px;margin-bottom:7px}.schedule-heading h2{font-size:19px;margin:0}.secondary-button{padding:10px 15px;background:#fff;border:1px solid #cdd7c9;border-radius:6px;font-size:12px;color:var(--green);white-space:nowrap}.secondary-button:hover{background:#eff4e7}summary{font-size:12px;padding:20px 0 0;cursor:pointer;color:var(--muted)}summary span{float:right;font-size:10px}.table-scroll{overflow:auto;max-height:440px;margin-top:20px}table{border-collapse:collapse;width:100%;font-size:12px;font-variant-numeric:tabular-nums}th,td{text-align:right;white-space:nowrap;padding:12px;border-bottom:1px solid #e7ebe3}th:first-child,td:first-child{text-align:left}th{position:sticky;top:0;background:#eef3e7;font-weight:600}.assumptions{margin:28px 0 35px;max-width:900px}.assumptions h2{font-size:12px;font-weight:650;letter-spacing:0}.assumptions p{font-size:11px;line-height:1.8;color:var(--muted);margin:6px 0}footer{border-top:1px solid var(--line);display:flex;justify-content:space-between;align-items:center;padding:23px 0 30px}footer .brand{font-size:18px}footer>span{font-size:11px;color:var(--muted)}.error{background:#fff1ec;border:1px solid #edd0c4;color:#873821;font-size:12px;line-height:1.6;padding:12px;border-radius:6px}.sr-only{position:absolute;width:1px;height:1px;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap}.skip-link{position:absolute;left:20px;top:-100px;padding:12px;background:#fff;z-index:10}.skip-link:focus{top:10px}
@media(max-width:850px){.workspace{grid-template-columns:330px 1fr}.input-panel,.results-panel{padding:24px}.metrics{grid-template-columns:1fr 1fr}.metrics>div:last-child{grid-column:1/-1}.chart-header span{display:none}.main-result strong{font-size:38px}}
@media(max-width:680px){.site-header,main,footer{width:calc(100% - 32px)}.header-note{display:none}.site-header{padding:19px 0}.intro{padding:30px 0 23px}h1{letter-spacing:-1px}.intro>p:last-child{font-size:13px;max-width:320px}.calculator-nav{gap:7px}.calculator-nav a{font-size:11px;padding:13px 12px;gap:14px;flex:1;justify-content:space-between}.workspace{grid-template-columns:1fr}.input-panel{border-right:0;border-bottom:1px solid var(--line)}.results-panel{min-height:360px}.metrics{grid-template-columns:1fr 1fr 1fr}.metrics>div:last-child{grid-column:auto}.metrics strong{font-size:15px}.main-result strong{font-size:44px}.schedule-panel{padding:22px 18px}.schedule-heading h2{font-size:17px}.secondary-button{font-size:10px;padding:9px 11px}footer>span{font-size:9px}.chart-header span{display:flex}}
@media(prefers-reduced-motion:no-preference){button,a{transition:background .15s ease}}
/* Calculator suite additions */
.calculator-nav{flex-wrap:wrap}.calculator-nav a{gap:18px;padding:12px 14px}.input-panel{min-width:0}.input-panel form>.primary-button{margin-top:24px}select{font:inherit;font-size:13px;color:var(--green);background:#fff;width:100%;padding:12px 10px;border:1px solid #ccd6c9;border-radius:7px;min-height:45px}select:focus-visible{outline:3px solid #55892e;outline-offset:3px}.results-panel{align-self:start;position:sticky;top:20px;border-radius:0 14px 14px 0}.workspace{overflow:visible;align-items:stretch}.input-panel{border-radius:14px 0 0 14px}.chart .secondary{stroke:#aa7239;stroke-dasharray:6 4}#chart-legend{display:flex;flex-wrap:wrap;gap:8px}.legend:before{content:'';display:inline-block;width:7px;height:7px;background:#397451;border-radius:50%;margin-right:4px}.legend.secondary:before{background:#aa7239}.main-result strong{overflow-wrap:anywhere}.metrics strong{overflow-wrap:anywhere}#calculator-fields details{margin:22px 0 0;padding-top:2px;border-top:1px solid var(--line)}#calculator-fields summary{font-weight:650;color:var(--green)}#sources a{text-underline-offset:3px}.field-hint{line-height:1.6}.table-scroll{scrollbar-gutter:stable}.chart-header{flex-wrap:wrap}
@media(max-width:680px){.calculator-nav{display:grid;grid-template-columns:1fr 1fr}.calculator-nav a{font-size:11px;gap:7px;min-width:0}.results-panel{position:static;border-radius:0 0 14px 14px}.input-panel{border-radius:14px 14px 0 0}.main-result strong{font-size:36px}.metrics{grid-template-columns:1fr 1fr}.metrics>div:last-child{grid-column:1/-1}.chart-header span{display:flex}}
/* Searchable pages and directory */
.breadcrumbs{padding-top:24px;font-size:12px;color:var(--muted);line-height:1.7}.breadcrumbs a{text-underline-offset:3px}.breadcrumbs+.intro{padding-top:24px}.calculator-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;margin-bottom:32px}.calculator-grid article{background:#fff;border:1px solid var(--line);border-radius:12px;padding:25px;display:flex;flex-direction:column}.calculator-grid h2{font-size:21px;line-height:1.3;text-transform:none}.calculator-grid h2 a{text-decoration:none}.calculator-grid p{font-size:13px;line-height:1.8;color:var(--muted);flex:1}.tool-link{font-size:13px;font-weight:650;text-decoration:none;padding-top:12px}.guide{max-width:880px;padding:30px 0;line-height:1.8}.guide h2{font-size:21px;margin:26px 0 12px}.guide p,.guide li{font-size:14px;color:#4a5d54}.guide ol,.guide ul{padding-left:23px}.guide li{margin-bottom:10px}.guide a,.related a{text-underline-offset:3px}.worked-example{border-left:3px solid #83a75c;background:#eef3e7;padding:8px 24px;margin:24px 0}.worked-example h2{margin-top:14px}.faq{border-bottom:1px solid var(--line);padding-bottom:15px}.faq summary{font-size:14px;line-height:1.6;color:var(--green);font-weight:600}.method-note{font-size:12px!important;margin-top:28px}.related{border-top:1px solid var(--line);padding:24px 0 30px}.related ul{display:flex;flex-wrap:wrap;gap:12px 28px;list-style:none;padding:0}.related a{font-size:13px}.calculator-nav a{font-size:12px}.calculator-nav{margin-top:5px}
@media(max-width:950px){.calculator-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:680px){.calculator-grid{grid-template-columns:1fr}.guide{padding-top:16px}.guide h2{font-size:19px}.breadcrumbs{font-size:11px}.calculator-nav a{font-size:10px}.worked-example{padding:5px 17px}footer>span{max-width:190px;text-align:right}}

.intro .free-note{font-size:12px;font-weight:600;color:var(--green);margin-top:12px;line-height:1.6}
/* Compare and Guide articles */
.site-nav{display:flex;gap:22px;align-items:center;font-size:13px;font-weight:600}.site-nav a{text-decoration:none}.site-nav a:hover{text-decoration:underline;text-underline-offset:4px}.editorial-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:18px;margin:20px 0 28px}.editorial-grid article{background:#fff;border:1px solid var(--line);border-radius:10px;padding:24px}.editorial-grid h3{font-size:19px;line-height:1.4;margin:0 0 12px;font-weight:600;letter-spacing:-.35px}.editorial-grid h3 a{font-size:inherit;text-decoration:none}.editorial-grid p:not(.eyebrow){font-size:13px;color:var(--muted);line-height:1.8;margin:0}.reading-article{max-width:930px;margin:0 auto}.reading-article .intro{padding-bottom:20px}.reading-article .intro h1{max-width:900px;font-size:clamp(29px,3.6vw,42px);line-height:1.18}.article-actions{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:30px}.article-actions a{padding:11px 16px;background:var(--green);color:#fff;border-radius:7px;text-decoration:none;font-size:13px;font-weight:600}.article-copy{font-size:15px;line-height:1.85;color:#3a5147}.article-copy h2{font-size:24px;line-height:1.35;margin:35px 0 13px;color:var(--green)}.article-copy p{margin:15px 0}.article-copy ol{padding-left:24px}.article-copy li{padding-left:4px;margin-bottom:12px}.article-copy a{text-underline-offset:3px}.article-copy .source-note{font-size:12px;color:var(--muted);line-height:1.7}.article-table{overflow:auto;max-width:100%;border:1px solid var(--line);border-radius:8px;margin:20px 0;background:#fff}.article-table table{font-size:12px}.article-table caption{text-align:left;caption-side:top;font-size:13px;font-weight:600;padding:14px;color:var(--green);background:#eef3e7}.article-table th,.article-table td{white-space:normal;text-align:left;min-width:130px;padding:12px 14px;line-height:1.65;vertical-align:top}.article-table th{position:static}.article-table tbody th{background:#f7f9f3;min-width:135px;font-weight:600}.article-table thead th{background:#f0f4e9}.reading-article+.related{margin-top:35px}
@media(max-width:850px){.site-header .header-note{display:none}.site-nav{gap:18px}.article-copy{font-size:14px}}
@media(max-width:480px){.site-nav{gap:13px;font-size:11px}.reading-article .intro h1{font-size:29px;letter-spacing:-.8px}.article-copy h2{font-size:21px}.article-actions a{font-size:12px}.editorial-grid{grid-template-columns:1fr}.article-table th,.article-table td{min-width:120px}}

/* Native FAQ disclosures remain usable without JavaScript. */
#calculator,#faqs{scroll-margin-top:24px}.page-jump{font-size:13px!important}.page-jump a{text-underline-offset:3px}.faq-section{margin-top:32px}.faq-section .faq{padding:16px 0}.faq-tool-link a{font-weight:600}.faq[open] summary{margin-bottom:12px}

/* Mobile controls and content remain readable without disabling pinch zoom. */
select{font-size:16px;min-height:48px;min-width:0;max-width:100%}
.updated{font-size:12px!important;line-height:1.7;color:var(--muted);margin:12px 0}
.site-nav{flex-wrap:wrap;gap:8px 20px}.site-nav a{display:inline-flex;align-items:center;min-height:44px}
.primary-button,.secondary-button{min-height:44px}.input-wrap{min-height:48px}
#calculation-results{scroll-margin-top:16px}#schedule-progress{font-size:12px;line-height:1.6;color:var(--muted)}
.article-table,.table-scroll{overscroll-behavior-x:contain}.editorial-grid>*{min-width:0}
@media(max-width:680px){
  .site-header{flex-wrap:wrap;gap:10px 20px}.site-nav{gap:4px 16px}
  .calculator-nav a{min-height:48px;font-size:12px;line-height:1.45}
  .input-panel,.results-panel{padding:22px 18px}.input-panel label{font-size:14px;line-height:1.5}
  input,select{font-size:16px}.field-hint{font-size:12px}.privacy-note{font-size:11px}
  .schedule-heading{flex-wrap:wrap}.secondary-button{font-size:12px}
  .metrics{grid-template-columns:repeat(2,minmax(0,1fr))}.main-result p{font-size:13px;line-height:1.6}
  .faq summary{min-height:44px}.page-jump a{display:inline-flex;align-items:center;min-height:44px}
  .article-actions a{display:inline-flex;align-items:center;min-height:44px}
  .intro .updated{max-width:none}.reading-article{min-width:0}.article-copy{overflow-wrap:break-word}
}
@media(max-width:360px){.site-nav{width:100%;justify-content:space-between;gap:4px}.site-nav a{font-size:12px}.main-result strong{font-size:30px}}

.category-nav{display:flex;flex-wrap:wrap;gap:10px 22px;margin:5px 0 22px}.category-nav a{display:inline-flex;align-items:center;min-height:44px;font-size:14px;font-weight:600;text-underline-offset:4px}.tool-switcher{margin-bottom:22px}.tool-switcher>summary{padding:12px 0;min-height:44px;font-weight:600}.tool-switcher .calculator-nav{margin-top:12px}

/* Compact homepage directory. All tool links remain in the initial HTML. */
.home-page .header-note{display:none}.home-content{max-width:1080px;margin:0 auto}
.home-hero{padding:62px 0 42px;max-width:780px}.home-hero h1{font-size:clamp(34px,4.5vw,54px);letter-spacing:-1.8px;line-height:1.12;max-width:700px}.home-lead{max-width:620px;font-size:17px;line-height:1.7;color:#4a6055;margin:20px 0 16px}.home-benefits{font-size:13px;line-height:1.8;color:var(--green);font-weight:600;display:flex;flex-wrap:wrap;gap:5px 12px}
.home-section-heading{margin-bottom:22px}.home-section-heading h2{font-size:25px;line-height:1.3;margin:0 0 7px}.home-section-heading p{font-size:14px;color:var(--muted);line-height:1.6;margin:0}
.home-groups{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}.home-group{padding:27px 28px 23px;background:#fff;border:1px solid var(--line);border-radius:12px;min-width:0}.home-group h3{font-size:21px;font-weight:600;letter-spacing:-.4px;line-height:1.35;margin:0 0 8px}.home-group>p{font-size:13px;line-height:1.65;color:var(--muted);margin:0 0 15px;max-width:380px}.home-group ul{list-style:none;padding:0;margin:0 0 14px;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));column-gap:22px}.home-group li{min-width:0;border-bottom:1px solid #edf0e9}.home-group li a{display:flex;justify-content:space-between;align-items:center;gap:10px;min-height:48px;padding:10px 0;font-size:14px;font-weight:550;line-height:1.5;text-decoration:none}.home-group li a:hover{text-decoration:underline;text-underline-offset:4px}.home-group li a span{color:#7c9180;font-size:13px;flex-shrink:0}.home-hub-link{display:inline-flex;gap:4px;align-items:center;min-height:44px;font-size:13px;font-weight:600;text-underline-offset:4px}.home-context{margin:32px 0 40px;padding:25px 28px;border-left:3px solid #83a75c;background:#eef3e7}.home-context h2{font-size:19px;line-height:1.4}.home-context p{font-size:14px;line-height:1.8;color:#4a6055;max-width:850px;margin:10px 0 0}.home-reading{padding-bottom:40px}.home-reading-columns{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:48px}.home-reading h3{font-size:15px;font-weight:600;margin:0 0 8px}.home-reading ul{list-style:none;padding:0;margin:0}.home-reading li{border-bottom:1px solid var(--line)}.home-reading li a{display:block;padding:14px 0;font-size:14px;line-height:1.6;text-decoration:none;min-height:44px}.home-reading li a:hover{text-decoration:underline;text-underline-offset:4px}
@media(max-width:760px){.home-hero{padding:36px 0 30px}.home-groups{grid-template-columns:1fr;gap:16px}.home-reading-columns{grid-template-columns:1fr;gap:24px}.home-hero h1{letter-spacing:-1.1px}.home-lead{font-size:16px}.home-context{margin:26px 0 32px;padding:22px}.home-reading{padding-bottom:28px}}
@media(max-width:400px){.home-group{padding:22px 18px 17px}.home-group ul{column-gap:16px}.home-group li a{font-size:13px}.home-group h3{font-size:20px}.home-benefits{font-size:12px;gap:3px 8px}.home-section-heading h2{font-size:23px}.home-context{padding:20px 18px}}

/* Category introductions stay readable above the tool directory. */
.intro .category-intro{max-width:760px;font-size:16px;line-height:1.75;color:#4a6055;margin:16px 0 0}

.intro .intro-reading{font-size:14px;line-height:1.8;max-width:850px;margin:14px 0 0}.intro-reading a{text-underline-offset:3px}#how-to-use{scroll-margin-top:24px}

/* Native homepage FAQs keep every answer in the initial HTML. */
.home-faqs{margin:0 0 40px;border-top:1px solid var(--line);padding-top:32px}.home-faqs .faq summary{font-size:16px;min-height:44px;line-height:1.6;cursor:pointer}.home-faqs .faq p{max-width:850px;font-size:14px;line-height:1.8;color:#4a6055;margin:12px 0}.home-faqs a{text-underline-offset:3px}.home-faqs .faq-tool-link a{display:inline-flex;align-items:center;min-height:44px}.home-faq-sources{font-size:12px;line-height:1.8;color:var(--muted);margin:22px 0 0}#home-faqs,#directory-heading{scroll-margin-top:24px}