:root{--ink:#213d35;--paper:#fbf9f4;--muted:#647169;--line:#dedfd4;--sage:#e8eddf;--accent:#c6d598}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:30px}body{margin:0;background:var(--paper);color:var(--ink);font:17px/1.7 system-ui,-apple-system,Segoe UI,sans-serif}a{color:inherit;text-underline-offset:4px}a:hover{color:#48704c}button,input,select{font:inherit}button,a,input,select{outline-offset:5px}button:focus-visible,a:focus-visible,input:focus-visible,select:focus-visible{outline:3px solid #73932b}.skip{position:absolute;left:20px;top:-100px;background:var(--ink);color:white;padding:12px;z-index:10}.skip:focus{top:10px}.preview{background:#e9e7db;text-align:center;padding:6px 12px;font-size:12px;letter-spacing:.03em}.preview span{padding:0 8px}.site-header{max-width:1280px;margin:auto;display:flex;justify-content:space-between;align-items:center;gap:24px;padding:25px 36px;border-bottom:1px solid var(--line)}.brand{display:flex;align-items:center;gap:12px;font-size:21px;text-decoration:none;font-weight:650;line-height:1.2;letter-spacing:-.7px}.brand b{display:block;font-weight:400;font-size:13px;letter-spacing:3px;text-transform:uppercase;margin-top:4px}.brand-symbol{width:42px;height:42px;background:var(--ink);border-radius:50%;padding:7px;display:block;color:var(--paper)}.brand svg{width:100%;fill:none;stroke:currentColor;stroke-width:1.8}.site-header nav{display:flex;gap:30px;font-size:14px;font-weight:550}.site-header nav a{text-decoration:none}.site-header nav a[aria-current]{border-bottom:2px solid var(--ink)}main{max-width:1280px;margin:auto}h1,h2{font-family:Georgia,'Times New Roman',serif;font-weight:400;line-height:1.1;letter-spacing:-1.5px}h1{font-size:clamp(40px,4.6vw,68px);margin:24px 0}h1 em{font-weight:400;color:#657b44}h2{font-size:clamp(30px,3vw,42px);margin:16px 0 24px}h3{line-height:1.35;font-size:22px;font-weight:600;letter-spacing:-.5px}.eyebrow{display:block;font-size:11px;text-transform:uppercase;letter-spacing:1.9px;font-weight:650}.hero{padding:74px 36px 65px;display:grid;grid-template-columns:1.3fr 1fr;gap:65px;align-items:center}.lead{font-size:18px;line-height:1.75;max-width:650px;color:#56665d}.hero-actions{display:flex;flex-wrap:wrap;align-items:center;gap:24px;margin-top:28px}.button{display:inline-flex;align-items:center;justify-content:space-between;gap:30px;background:var(--ink);color:var(--paper);border:1px solid var(--ink);border-radius:4px;padding:13px 20px;font-size:14px;font-weight:600;text-decoration:none;cursor:pointer}.button:hover{background:#3d5948;color:white}.text-link{font-size:14px;font-weight:600;text-decoration:none;border-bottom:1px solid #afba9f;padding-bottom:5px}.small{font-size:13px;color:var(--muted)}.hero .small{margin-top:22px}.journey{background:var(--sage);border-radius:3px;padding:30px 32px;position:relative;min-height:390px;overflow:hidden}.journey-top{display:flex;justify-content:space-between;gap:12px;align-items:center}.round-arrow{border:1px solid #adba9b;border-radius:50%;width:38px;height:38px;display:grid;place-items:center;font-size:23px}.journey h2{font-size:36px;letter-spacing:-1px;margin:32px 0}.journey-line{border-top:1px solid #99aa86;display:grid;grid-template-columns:repeat(3,1fr);gap:18px;padding-top:20px;margin:48px 0 40px}.journey-line>div{position:relative}.journey-line strong{display:block;font-size:12px;font-weight:650}.journey-line small{display:block;color:#65765c;line-height:1.5;font-size:11px;margin-top:5px}.dot{position:absolute;top:-25px;width:10px;height:10px;border-radius:50%;background:#698748;border:2px solid var(--sage)}.journey-bottom{display:flex;justify-content:space-between;border-top:1px solid #c8d2bc;padding-top:18px;align-items:center;font-size:11px}.journey-bottom span:last-child{font-size:38px;line-height:1;color:#799050}.content-sections{padding:0 36px 70px}.content-sections>section{border-top:1px solid var(--line);padding:48px 0}.section-heading{margin-bottom:30px}.section-heading h2{margin-bottom:0}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.card{background:white;border:1px solid var(--line);border-radius:4px;padding:26px;text-decoration:none;display:flex;flex-direction:column;min-height:270px;transition:transform .15s,border-color .15s}.card:hover{transform:translateY(-3px);border-color:#92a377;color:var(--ink)}.card-number{font-size:12px;color:#7a8c60}.card h3{font-family:Georgia,serif;font-size:27px;font-weight:400;margin:22px 0 14px}.card p{font-size:15px;color:var(--muted);line-height:1.65;margin:0 0 25px}.card-link{margin-top:auto;font-size:12px;font-weight:650;display:flex;justify-content:space-between}.calculator-cards .card{background:#edf0e7}.guide-groups{display:grid;grid-template-columns:1fr 1fr;gap:22px 55px}.guide-group h3{font-size:18px;font-weight:600;margin:0 0 12px}.guide-group ul{list-style:none;margin:0;padding:0}.guide-group li{border-top:1px solid var(--line)}.guide-group a{display:flex;align-items:center;justify-content:space-between;gap:20px;text-decoration:none;font-size:15px;padding:13px 0}.guide-group a span{color:#7c8b6f}.checklist-strip{display:flex;align-items:center;justify-content:space-between;gap:30px;background:var(--sage);padding:35px!important;margin:30px 0}.checklist-strip p{max-width:650px;margin-bottom:0}.checklist-icon{font-size:29px;line-height:1.45;color:#718654;border:1px solid #aebb98;background:var(--paper);padding:12px 28px;transform:rotate(6deg);border-radius:3px}.free-help{background:var(--ink);color:var(--paper);padding:38px!important;border-radius:3px}.free-help p{max-width:850px}.accuracy p{max-width:850px;color:var(--muted)}footer{border-top:1px solid var(--line);max-width:1280px;margin:auto;padding:36px}.footer-top{display:flex;justify-content:space-between;align-items:center;gap:20px}.footer-top p{font-size:13px;color:var(--muted)}.footer-bottom{display:flex;justify-content:space-between;gap:25px;margin-top:30px;font-size:11px;color:var(--muted)}.footer-bottom nav{display:flex;gap:20px;white-space:nowrap}.page-heading{padding:45px 36px 30px;max-width:900px}.breadcrumb{font-size:12px;color:var(--muted);text-decoration:none;display:block;margin-bottom:28px}.breadcrumb span{margin-left:8px}.page-heading h1{font-size:clamp(38px,4.5vw,58px)}.prose{max-width:840px;margin:auto;padding:0 36px 70px}.prose h2{font-size:30px;margin-top:40px}.prose p{color:#536459}.pending{background:var(--sage);border:1px solid var(--line);padding:28px;border-radius:3px;margin-bottom:32px}.pending h2{margin-top:12px}.author{font-size:13px;border-top:1px solid var(--line);padding-top:20px;margin-top:30px}.help{background:var(--sage);padding:28px;margin-top:40px}.help h2{font-size:30px;margin-top:15px}.note{background:#eeeadc;padding:20px 24px;border-left:3px solid #9caa73;font-size:14px;margin:30px 0}.note strong{display:block}.calculator-layout{display:grid;grid-template-columns:1fr 1.1fr;gap:40px;padding:10px 36px 40px;align-items:start}form{background:white;border:1px solid var(--line);padding:28px;border-radius:4px}label{font-size:14px;display:block;margin-bottom:20px;font-weight:600}input,select{display:block;width:100%;border:1px solid #bcc5b4;background:var(--paper);border-radius:3px;padding:11px 12px;margin-top:7px;font-weight:400;color:var(--ink)}input:invalid:not(:placeholder-shown){box-shadow:none}.results-panel{background:var(--sage);padding:28px;border-radius:4px;min-height:220px}#result h2{font-size:34px;margin:18px 0}#result p{font-size:14px}#result dl{margin:20px 0}#result dt{font-size:13px;color:var(--muted)}#result dd{font-size:25px;margin:0 0 15px;font-family:Georgia,serif}table{border-collapse:collapse;width:100%;font-size:12px}th,td{padding:10px 7px;text-align:left;border-bottom:1px solid #c7d2b8}th{font-weight:650}.table-scroll{overflow-x:auto}.error{color:#8a3026}.print-button{margin-bottom:25px}@media(max-width:900px){.hero{gap:30px;padding-top:45px}.journey{padding:25px;min-height:340px}.journey h2{font-size:30px}.cards{gap:12px}.card{padding:20px}.site-header nav{gap:18px}.footer-bottom{flex-direction:column}}@media(max-width:680px){.site-header{padding:20px;flex-wrap:wrap;gap:20px}.site-header nav{width:100%;justify-content:space-between}.brand{font-size:20px}.hero{display:block;padding:35px 20px}.hero h1{font-size:46px}.journey{margin-top:35px}.hero-actions{gap:18px}.cards,.guide-groups,.calculator-layout{grid-template-columns:1fr}.card{min-height:230px}.content-sections{padding:0 20px 35px}.content-sections>section{padding:32px 0}.guide-groups{gap:30px}.footer-top{display:block}.checklist-strip{padding:25px!important}.checklist-icon{display:none}.free-help{padding:28px!important}.page-heading{padding:35px 20px 20px}.prose{padding:0 20px 40px}.calculator-layout{padding:5px 20px 30px;gap:20px}footer{padding:28px 20px}.preview{font-size:10px}.journey-line{margin-top:40px}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.card{transition:none}}@media print{.preview,.site-header,footer,.print-button,.help,.hero-actions{display:none}body{background:white;color:black}.prose{max-width:none;padding:0}a{color:black}.pending{border:1px solid black}}

.education-bar{background:#e9e7db;text-align:center;padding:6px 12px;font-size:12px;letter-spacing:.03em}.education-bar span{padding:0 8px}.content-date{font-size:13px;color:var(--muted);padding:10px 0 18px;border-bottom:1px solid var(--line)}.on-this-page{background:var(--sage);padding:22px 28px;margin:28px 0}.on-this-page strong{font-size:15px}.on-this-page ul{margin-bottom:0;font-size:15px}.prose li{margin-bottom:9px}.source-list{border-top:1px solid var(--line);margin-top:45px;font-size:14px;overflow-wrap:anywhere}.article-faqs h3{font-size:20px}.checklist{list-style:none;margin:25px 0;padding:0}.checklist li{padding:18px 0;border-top:1px solid var(--line);break-inside:avoid}.checklist-row{display:flex;gap:15px;align-items:flex-start;margin:0;font-size:18px;cursor:pointer}.checklist-row input{display:inline-block;flex:none;width:22px;height:22px;margin:4px 0 0;accent-color:var(--ink)}.checklist li p{margin-left:37px}.related-guides{margin-top:35px}.prose table{font-size:14px;display:block;overflow-x:auto}.prose th{background:var(--sage)}.help a:hover,.free-help a:hover{color:inherit;text-decoration:underline}@media(max-width:680px){.education-bar{font-size:10px}.on-this-page{padding:18px}.checklist li p{margin-left:0}}@media print{.education-bar,.on-this-page,.related-guides{display:none}.checklist li{padding:6px 0}.checklist li p{font-size:11px;margin-top:4px}.checklist-row{font-size:13px}.page-heading{padding:5px 0}.page-heading h1{font-size:28px}.source-list a{overflow-wrap:anywhere}}

#calculator-fields{border:0;padding:0;margin:0;min-width:0}.calculator-date{padding:0 36px;font-size:13px;color:var(--muted)}@media(max-width:680px){.calculator-date{padding:0 20px}}
