:root{--ink:#132e3d;--paper:#faf8f1;--line:#d9ded6;--muted:#516269;--lime:#dceba0;--coral:#be442e}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font:16px/1.7 Arial,Helvetica,sans-serif}a{color:inherit;text-underline-offset:4px}a:hover{text-decoration-thickness:2px}button,input,textarea{font:inherit}.wrap{width:min(1180px,calc(100% - 64px));margin:auto}.top{display:flex;justify-content:space-between;align-items:center;gap:30px;padding:23px 4%;border-bottom:1px solid var(--line)}.brand{font:700 23px Georgia,serif;text-decoration:none}.brand span{display:block;font:9px/1.8 Arial,sans-serif;letter-spacing:1.7px;margin-top:5px}.top nav{display:flex;gap:26px;font-size:13px;font-weight:700}.top nav a{text-decoration:none}.hero{display:grid;grid-template-columns:1.25fr .75fr;gap:80px;align-items:center;padding:82px 0 58px}h1,h2{font-family:Georgia,serif;font-weight:400;line-height:1.09;letter-spacing:-.04em;margin:0 0 25px}h1{font-size:clamp(42px,5.2vw,68px)}h1 em{color:var(--coral);font-weight:400}h2{font-size:clamp(34px,4.2vw,48px)}h3{font-size:22px;line-height:1.25;margin:0 0 14px}p{margin:0 0 20px}.eyebrow{font-size:10px;letter-spacing:1.5px;font-weight:700;line-height:1.5;margin:0 0 20px;text-transform:uppercase;color:var(--muted)}.deck{font-size:22px;line-height:1.5;max-width:580px}.hero p:not(.eyebrow){max-width:590px}.button{display:inline-flex;padding:14px 23px;align-items:center;justify-content:center;background:var(--ink);color:white;border-radius:7px;font-size:14px;font-weight:700;text-decoration:none;min-height:48px}.text-link{display:inline-block;font-size:13px;font-weight:700;margin:18px 0 18px 20px}.hero-card{background:var(--ink);color:white;padding:32px;border-radius:14px;box-shadow:14px 14px 0 var(--lime)}.hero-card .eyebrow{color:var(--lime)}.hero-card ol{list-style:none;padding:0;margin:0}.hero-card li{position:relative;padding:0 0 20px 38px}.hero-card li:last-child{padding-bottom:0}.hero-card li span{position:absolute;left:0;top:2px;font-size:11px;color:var(--lime)}.hero-card li strong{font-family:Georgia,serif;font-size:23px;font-weight:400}.hero-card li p{font-size:13px;opacity:.8;margin:6px 0 0}.meta{display:flex;gap:24px;flex-wrap:wrap;font-size:11px;border-top:1px solid var(--line);padding:18px 0}.jump{display:flex;gap:24px;overflow:auto;border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:16px 0;font-size:12px;white-space:nowrap}.section{padding:70px 0;border-bottom:1px solid var(--line);scroll-margin-top:24px}.two{display:grid;grid-template-columns:1fr 1fr;gap:44px}.panel{padding:28px;border:1px solid var(--line);border-radius:10px;background:white}.panel p:last-child{margin-bottom:0}li{margin-bottom:9px}ul,ol{padding-left:22px}.small,.sources{font-size:12px;line-height:1.65;color:var(--muted)}.section-intro{max-width:850px}.table-wrap{overflow:auto;border:1px solid var(--line);border-radius:8px;margin:28px 0}table{width:100%;border-collapse:collapse;font-size:13px}th,td{padding:17px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top;min-width:100px}th{background:var(--ink);color:white}tr:nth-child(even){background:#f0f1e9}caption{text-align:left;padding:15px;font-weight:700}.filters{display:flex;flex-wrap:wrap;gap:8px;margin:28px 0 12px}.filters button{border:1px solid #aab7b1;background:transparent;color:var(--ink);padding:9px 15px;border-radius:25px;font-size:12px;cursor:pointer}.filters button.active{background:var(--ink);color:white;border-color:var(--ink)}#expand{margin-left:auto;border:0;text-decoration:underline}.channels{display:grid;grid-template-columns:1fr;gap:12px}.channel{border:1px solid var(--line);border-radius:10px;background:white;scroll-margin-top:20px}.channel[hidden]{display:none}.channel summary{list-style:none;display:grid;grid-template-columns:45px 1fr 30px;gap:20px;align-items:center;cursor:pointer;padding:24px 28px}.channel summary::-webkit-details-marker{display:none}.number{font:18px Georgia,serif;color:var(--muted)}.channel summary .eyebrow{display:block;margin:0 0 5px;font-size:9px}.channel summary h3{font:400 28px/1.25 Georgia,serif;margin:0 0 5px}.budget{font-size:12px;color:var(--muted)}.plus{font-size:26px;text-align:center}.channel details[open] .plus{transform:rotate(45deg)}.channel-body{padding:0 28px 25px 93px}.note{background:#edf0e5;border-radius:6px;padding:18px 22px;font-size:13px;margin:24px 0}.channel .note{margin-top:0}.channel-grid{display:grid;grid-template-columns:1fr 1fr;gap:26px 35px}.channel-grid dt{font-size:12px;font-weight:700;margin-bottom:7px}.channel-grid dd{margin:0;font-size:14px;line-height:1.7}.channel .sources{margin:25px 0 0}.steps{padding-left:23px;max-width:1020px}.steps li{padding-left:7px;margin-bottom:18px}.quote{font:28px/1.4 Georgia,serif}.field{display:block;font-size:12px;font-weight:700;margin:25px 0 8px}textarea{width:100%;border:1px solid #aab7b1;border-radius:5px;padding:12px;resize:vertical}.calculator{background:#e9efdf;border:1px solid #cfdbc1;border-radius:12px;padding:32px;margin:28px 0}.calc-head{display:flex;gap:20px;justify-content:space-between;align-items:start}.badge{font-size:10px;border:1px solid #9aab90;padding:6px 10px;border-radius:20px}.fields{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin:20px 0}.fields label{font-size:12px;font-weight:700}.fields input{display:block;width:100%;border:1px solid #a6b69d;background:white;color:var(--ink);padding:12px;margin-top:8px;border-radius:5px;min-width:0}.outputs{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin:26px 0}.outputs>div{background:white;border-radius:6px;padding:17px}.outputs span{display:block;font-size:11px;color:var(--muted);line-height:1.5}.outputs strong{font-size:26px;display:block;margin-top:8px;line-height:1.25}.formula-grid{margin-bottom:28px}.decisions{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin:30px 0}.decisions article{background:white;border:1px solid var(--line);padding:25px;border-radius:10px}.decisions h3{font:25px/1.2 Georgia,serif;margin:20px 0 15px}.decisions p{font-size:14px;margin:0}.status{font-size:9px;letter-spacing:1px;font-weight:700;padding:6px 8px;border-radius:4px}.stop{background:#fbe0d9;color:#8d2818}.review{background:#fbecbf;color:#704c0b}.scale{background:#dfedce;color:#2a5319}.closing{padding:64px 42px;margin-top:55px;border-radius:14px;background:var(--ink);color:white}.closing .eyebrow{color:var(--lime)}.closing p{max-width:650px}.closing .button{background:var(--lime);color:var(--ink)}.closing .text-link{color:white}.footer{display:flex;gap:35px;align-items:start;font-size:11px;padding:50px 0}.footer p{max-width:620px}.footer>a:last-child{white-space:nowrap}.skip{position:absolute;left:16px;top:-70px;background:white;padding:12px;z-index:5}.skip:focus{top:15px}:focus-visible{outline:3px solid var(--coral);outline-offset:4px}@media(max-width:900px){.hero{gap:35px;grid-template-columns:1.1fr .9fr}.top nav{gap:15px}.two{gap:24px}.decisions{grid-template-columns:1fr}.outputs{grid-template-columns:1fr 1fr}.fields{grid-template-columns:1fr 1fr}.calc-head{display:block}.badge{display:inline-block;margin-bottom:10px}}@media(max-width:650px){.wrap{width:calc(100% - 40px)}.top{padding:18px 20px;display:block}.top nav{margin-top:18px;gap:17px;font-size:11px}.brand{font-size:22px}.hero{grid-template-columns:1fr;padding:42px 0;gap:30px}.hero-card{box-shadow:7px 7px 0 var(--lime)}.text-link{margin-left:0;margin-right:15px;display:block}.meta{gap:10px 20px}.section{padding:45px 0}.two,.channel-grid{grid-template-columns:1fr}.channel summary{padding:21px 16px;grid-template-columns:24px 1fr 18px;gap:14px}.channel summary h3{font-size:24px}.channel-body{padding:0 20px 22px}.channel-grid{gap:22px}.calculator{padding:22px}.fields{gap:13px}.outputs{gap:10px}.outputs>div{padding:14px}.outputs strong{font-size:22px}.closing{padding:35px 25px}.footer{display:block}.footer p{margin:20px 0}#expand{margin-left:0}.panel{padding:23px}.deck{font-size:20px}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}@media print{.top nav,.jump,.filters,.skip{display:none}.hero,.two,.channel-grid,.decisions{display:block}.hero-card{box-shadow:none}.channel{break-inside:avoid}.channel[hidden]{display:block}.wrap{width:100%}.section{padding:25px 0}.closing{background:white;color:#132e3d;border:1px solid}.channel-body{padding:20px}.fields input{border:1px solid}.footer{display:block}}
