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components;@layer utilities{.visible{visibility:visible}.sr-only{clip-path:inset(50%);white-space:nowrap;border-width:0;width:1px;height:1px;margin:-1px;padding:0;position:absolute;overflow:hidden}.absolute{position:absolute}.fixed{position:fixed}.relative{position:relative}.static{position:static}.isolate{isolation:isolate}.container{width:100%}@media (min-width:40rem){.container{max-width:40rem}}@media (min-width:48rem){.container{max-width:48rem}}@media (min-width:64rem){.container{max-width:64rem}}@media (min-width:80rem){.container{max-width:80rem}}@media 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summary::-webkit-details-marker{display:none}.header-calculator-menu summary:before{color:var(--brand);content:"＋";margin-right:7px;font-size:.85rem}.header-calculator-menu[open] summary:before{content:"−"}.header-calculator-panel{border:1px solid var(--line);background:var(--paper);border-radius:14px;width:min(760px,100vw - 48px);max-height:calc(100vh - 100px);padding:18px;position:absolute;top:calc(100% + 10px);right:0;overflow-y:auto;box-shadow:0 20px 60px #1527212e}.header-all-calculators{border-bottom:1px solid var(--line);width:100%;color:var(--brand);justify-content:space-between}.header-all-calculators:after{content:"→"}.header-calculator-groups{grid-template-columns:repeat(3,minmax(0,1fr));gap:22px;padding-top:14px;display:grid}.header-calculator-groups h2{letter-spacing:.07em;text-transform:uppercase;margin:0 0 6px;font-family:Arial,Helvetica,sans-serif;font-size:.7rem}.header-calculator-groups ul{margin:0;padding:0;list-style:none}.header-calculator-groups a{width:100%;min-height:40px;color:var(--muted);overflow-wrap:anywhere;font-size:.76rem;line-height:1.25}.header-calculator-groups a:hover{color:var(--brand);text-underline-offset:3px;text-decoration:underline}.breadcrumb{color:var(--muted);flex-wrap:wrap;align-items:center;gap:10px;padding-top:28px;font-size:.875rem;display:flex}.breadcrumb a:hover{color:var(--brand)}.breadcrumb [aria-current=page]{overflow-wrap:anywhere;min-width:0}.hero{max-width:760px;padding:64px 0 50px}.eyebrow{color:var(--brand);letter-spacing:.14em;text-transform:uppercase;margin:0 0 10px;font-size:.75rem;font-weight:800;line-height:1.3}h1,h2,h3,p{overflow-wrap:break-word}h1,h2,h3{font-family:Georgia,Times New Roman,serif;line-height:1.15}.hero h1{letter-spacing:-.045em;max-width:720px;margin:0;font-size:clamp(2.75rem,7vw,5.25rem)}.hero-copy{max-width:670px;color:var(--muted);margin:22px 0 0;font-size:clamp(1.05rem,2vw,1.25rem)}.calculator-grid{grid-template-columns:minmax(0,1fr) 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#0000;border-radius:9px;justify-content:center;align-items:center;min-height:48px;padding:11px 20px;font-weight:750;text-decoration:none;transition:background .15s,border-color .15s,transform .15s;display:inline-flex}.button:active{transform:translateY(1px)}.button:focus-visible,.info-button:focus-visible,summary:focus-visible,a:focus-visible{outline-offset:3px;outline:3px solid #e1a94fa6}.button-primary{background:var(--brand);color:#fff}.button-primary:hover{background:var(--brand-dark)}.button-secondary{color:var(--ink);background:0 0;border-color:#bdc9c2}.button-secondary:hover{border-color:var(--brand);background:var(--brand-soft)}.results-card{background:var(--ink);color:#fff;padding:clamp(24px,4vw,38px)}.results-card .eyebrow{color:#9cc8b5}.results-card .card-heading>p:last-child{color:#b8c4bf}.featured-results{background:#ffffff0d;border:1px solid #ffffff24;border-radius:14px;grid-template-columns:1fr;display:grid}.result-context{color:#b8c4bf;border-top:1px solid #ffffff24;margin:0;padding:12px 22px;font-size:.82rem}.roi-featured-results .result-row-featured+.result-row-featured{border-top:1px solid #ffffff24;border-left:0}.result-row-featured{min-width:0;padding:22px;display:block}.result-row-featured+.result-row-featured{border-top:1px solid #ffffff24}.result-row-featured strong{margin-top:8px;font-family:Georgia,Times New Roman,serif;font-size:clamp(1.5rem,3.5vw,2.15rem);line-height:1.15;display:block}.breakdown{margin-top:28px}.breakdown h3{color:#b8c4bf;letter-spacing:.12em;text-transform:uppercase;margin:0 0 9px;font-family:Arial,Helvetica,sans-serif;font-size:.75rem}.result-row{position:relative}.breakdown .result-row{border-bottom:1px solid #ffffff1f;justify-content:space-between;align-items:center;gap:20px;min-height:56px;display:flex}.breakdown .result-row:last-child{border-bottom:0}.result-label{color:#dfe7e3;align-items:center;gap:7px;min-width:0;font-size:.88rem;display:flex}.result-row strong{font-variant-numeric:tabular-nums;flex-shrink:0}.result-row-featured strong{overflow-wrap:anywhere}.result-positive{color:#7ed5ad}.result-negative{color:#ff948d}.tooltip-wrap{flex-shrink:0;display:inline-flex;position:relative}.info-button{color:#c7d3cd;cursor:help;touch-action:manipulation;background:0 0;border:1px solid #82918a;border-radius:50%;place-items:center;width:20px;height:20px;font-family:Georgia,Times New Roman,serif;font-size:.68rem;line-height:1;display:inline-grid;position:relative}.info-button:before{content:"";position:absolute;inset:-12px}.tooltip{z-index:5;width:min(260px,100vw - 64px);color:var(--ink);opacity:0;pointer-events:none;background:#fff;border-radius:7px;padding:10px 12px;font-size:.77rem;font-weight:400;line-height:1.4;transition:opacity .12s,transform .12s;position:absolute;bottom:calc(100% + 10px);right:0;transform:translateY(4px);box-shadow:0 8px 30px #00000047}.tooltip-open{opacity:1;transform:translateY(0)}.unavailable-note{border-left:3px solid var(--accent);color:#dfe7e3;background:#ffffff12;margin:16px 0 0;padding:10px 13px;font-size:.84rem;line-height:1.45}.result-unavailable-explanation{color:#dfe7e3;margin:10px 0 0;font-size:.78rem;line-height:1.4}.breakdown>div:last-child .result-row{border-bottom:0}.calculation-error{margin-top:20px}.disclaimer{border-left:3px solid var(--accent);color:#5e543f;background:#fff9ea;margin:24px 0 0;padding:15px 20px;font-size:.9rem}.related-tools{border:1px solid var(--line);background:var(--paper);border-radius:14px;margin-top:24px;padding:18px 20px 20px;display:block}.related-tools .eyebrow{margin-bottom:3px}.related-tools h2{margin:0;font-size:1.2rem}.related-tool-links{grid-template-columns:repeat(3,minmax(0,1fr));gap:10px;margin-top:14px;display:grid}.related-tool-links .button{text-align:center;overflow-wrap:anywhere;width:100%;height:60px;padding:8px 12px;line-height:1.25}.content{max-width:900px;margin:96px auto}.content>section{border-top:1px solid var(--line);grid-template-columns:56px minmax(0,1fr);gap:28px;padding:50px 0;display:grid}.section-number{color:var(--brand);letter-spacing:.12em;margin:4px 0 0;font-size:.75rem;font-weight:800}.content h2{letter-spacing:-.025em;margin:0 0 20px;font-size:clamp(1.7rem,4vw,2.45rem)}.content p{color:#45544e}.content p:first-of-type:not(.section-number){margin-top:0}.content li{color:#45544e;margin-bottom:10px;padding-left:6px}.formula-list{border-left:3px solid var(--brand);background:var(--brand-soft);margin:24px 0;padding:10px 22px}.formula-list p{margin:8px 0;font-size:.94rem}.faq-list{border-top:1px solid var(--line)}.faq-list details{border-bottom:1px solid var(--line)}.faq-list summary{cursor:pointer;padding:20px 32px 20px 0;font-weight:750}.faq-list details p{margin:-4px 0 22px}.site-footer{border-top:1px solid var(--line);background:var(--paper);color:var(--muted);padding:clamp(44px,6vw,72px) 0;font-size:.86rem}.footer-layout{grid-template-columns:minmax(210px,.72fr) 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ul{gap:2px;margin:0;padding:0;list-style:none;display:grid}.footer-navigation-group a{min-height:44px;color:var(--muted);overflow-wrap:anywhere;align-items:center;padding:5px 0;font-weight:650;line-height:1.35;text-decoration:none;transition:color .15s;display:inline-flex}.footer-navigation-group a:hover{color:var(--brand);text-underline-offset:4px;text-decoration:underline;text-decoration-thickness:1px}.footer-navigation-group a:focus-visible,.footer-brand:focus-visible{outline:2px solid var(--brand);outline-offset:3px;border-radius:3px}.footer-legal-navigation{border-top:1px solid var(--line);grid-column:1/-1;padding-top:20px}.footer-legal-navigation ul{flex-wrap:wrap;gap:2px clamp(22px,3vw,36px);margin:0;padding:0;list-style:none;display:flex}.footer-legal-navigation a{min-height:44px;color:var(--muted);align-items:center;font-weight:650;text-decoration:none;transition:color .15s;display:inline-flex}.footer-legal-navigation a:hover{color:var(--brand);text-underline-offset:4px;text-decoration:underline;text-decoration-thickness:1px}.footer-legal-navigation a:focus-visible{outline:2px solid var(--brand);outline-offset:3px;border-radius:3px}.calculators-page{min-width:0;padding-bottom:clamp(76px,10vw,128px)}.directory-hero{max-width:790px;padding:clamp(52px,8vw,92px) 0 clamp(58px,8vw,88px)}.directory-hero h1{letter-spacing:-.05em;margin:0;font-size:clamp(2.8rem,7vw,5.4rem)}.directory-hero>p:last-child{max-width:690px;color:var(--muted);margin:24px 0 0;font-size:clamp(1.02rem,2vw,1.2rem)}.directory-groups{gap:clamp(60px,8vw,92px);display:grid}.directory-group-heading{border-top:2px solid var(--ink);grid-template-columns:48px minmax(0,1fr);gap:18px;padding:20px 0 26px;display:grid}.directory-group-heading>span{color:var(--brand);letter-spacing:.12em;font-size:.75rem;font-weight:800}.directory-group-heading h2{letter-spacing:-.035em;margin:0;font-size:clamp(1.8rem,4vw,2.7rem)}.directory-group-heading p{color:var(--muted);margin:9px 0 0}.directory-list{background:#cdd8d2;border:1px solid #cdd8d2;grid-template-columns:repeat(2,minmax(0,1fr));gap:1px;margin:0;padding:0;list-style:none;display:grid}.directory-list a{background:var(--paper);justify-content:space-between;align-items:flex-end;gap:24px;min-width:0;min-height:176px;padding:clamp(24px,3vw,34px);text-decoration:none;transition:background .16s,color .16s;display:flex}.directory-list a>span:first-child{gap:12px;min-width:0;display:grid}.directory-list strong{overflow-wrap:anywhere;font-family:Georgia,Times New Roman,serif;font-size:clamp(1.35rem,2.5vw,1.85rem);line-height:1.12}.directory-list strong+span{max-width:500px;color:var(--muted);font-size:.88rem;line-height:1.55}.directory-list a>span:last-child{color:var(--brand);text-transform:uppercase;flex-shrink:0;font-size:.72rem;font-weight:800}.directory-list a:hover,.directory-list a:focus-visible{z-index:1;background:var(--brand);color:#fff;position:relative}.directory-list a:hover strong+span,.directory-list a:focus-visible strong+span{color:#cae0d6}.directory-list a:hover>span:last-child,.directory-list a:focus-visible>span:last-child{color:#fff}.directory-guidance{border-left:4px solid var(--brand);background:var(--brand-soft);max-width:780px;margin-top:clamp(66px,9vw,108px);padding:clamp(24px,4vw,38px)}.directory-guidance h2{margin:0;font-size:clamp(1.65rem,4vw,2.35rem)}.directory-guidance>p:last-child{color:var(--ink-soft);margin:15px 0 0}.calculator-guide-link{background:var(--brand-soft);border:1px solid #b9cec4;border-radius:14px;grid-template-columns:minmax(0,1fr);align-items:stretch;gap:28px;margin-top:24px;padding:clamp(20px,3vw,28px);display:grid}.calculator-guide-copy,.calculator-guide-actions{min-width:0}.calculator-guide-actions{grid-template-columns:repeat(3,minmax(0,1fr));gap:10px;display:grid}.calculator-guide-actions a{background:var(--paper);border:1px solid 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