@font-face{font-family:"Caslon";src:url(fonts/libre-caslon-text-latin-400-normal.woff2) format("woff2");font-weight:400;font-display:swap}
@font-face{font-family:"Caslon";src:url(fonts/libre-caslon-text-latin-400-italic.woff2) format("woff2");font-weight:400;font-style:italic;font-display:swap}
@font-face{font-family:"Caslon";src:url(fonts/libre-caslon-text-latin-700-normal.woff2) format("woff2");font-weight:700;font-display:swap}
@font-face{font-family:"Public Sans";src:url(fonts/public-sans-latin-400-normal.woff2) format("woff2");font-weight:400;font-display:swap}
@font-face{font-family:"Public Sans";src:url(fonts/public-sans-latin-600-normal.woff2) format("woff2");font-weight:600;font-display:swap}
@font-face{font-family:"Public Sans";src:url(fonts/public-sans-latin-700-normal.woff2) format("woff2");font-weight:700;font-display:swap}
@font-face{font-family:"Plex Mono";src:url(fonts/ibm-plex-mono-latin-400-normal.woff2) format("woff2");font-weight:400;font-display:swap}
@font-face{font-family:"Plex Mono";src:url(fonts/ibm-plex-mono-latin-600-normal.woff2) format("woff2");font-weight:600;font-display:swap}

:root{
  --paper:#F7F3E9; --paper-2:#EFE8D6; --card:#FFFDF7; --ink:#18261E; --ink-2:#3C4A40; --muted:#626A5C;
  --field:#234A34; --field-2:#2F6346; --gold:#C99A2E; --gold-soft:#F3E3B5; --rust:#A84E27; --line:#DCD3BC;
  --ok:#2F6346; --warn:#9A6A10; --bad:#A3361F;
  --serif:"Caslon",Georgia,"Times New Roman",serif; --sans:"Public Sans",system-ui,-apple-system,"Segoe UI",sans-serif; --mono:"Plex Mono",ui-monospace,Menlo,Consolas,monospace;
  --r:10px; --w:1160px;
}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]){
  --paper:#121A15; --paper-2:#18231C; --card:#1B261F; --ink:#ECE6D6; --ink-2:#CFC8B6; --muted:#A5AB9B;
  --field:#6FB08A; --field-2:#8CC5A2; --gold:#D9AE4B; --gold-soft:#3A3220; --rust:#E08A5E; --line:#2E3B32;
  --ok:#8CC5A2; --warn:#E0B65C; --bad:#F08A72;
}}
:root[data-theme="dark"]{
  --paper:#121A15; --paper-2:#18231C; --card:#1B261F; --ink:#ECE6D6; --ink-2:#CFC8B6; --muted:#A5AB9B;
  --field:#6FB08A; --field-2:#8CC5A2; --gold:#D9AE4B; --gold-soft:#3A3220; --rust:#E08A5E; --line:#2E3B32;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--ink);font:400 17px/1.65 var(--sans);overflow-x:hidden}
a{color:var(--field);text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:var(--rust)}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
img,svg{max-width:100%}
.wrap{max-width:var(--w);margin:0 auto;padding:0 16px}
@media (min-width:760px){.wrap{padding:0 28px}}
.skip{position:absolute;left:-999px;top:0;background:var(--ink);color:var(--paper);padding:8px 12px;z-index:10}
.skip:focus{left:8px}
h1,h2,h3{font-family:var(--serif);font-weight:700;line-height:1.2;letter-spacing:-.01em;color:var(--ink)}
h1{font-size:clamp(2rem,5vw,3.1rem);margin:.2em 0 .35em}
h2{font-size:clamp(1.45rem,3vw,1.9rem);margin:1.8em 0 .5em}
h3{font-size:1.22rem;margin:1.4em 0 .4em}
.kicker{font:600 .78rem/1.2 var(--sans);letter-spacing:.12em;text-transform:uppercase;color:var(--rust);margin:0}
.lede{font-size:1.15rem;color:var(--ink-2);max-width:46em}
.fine{font-size:.86rem;color:var(--muted)}
.notice-bar{background:var(--field);color:#F7F3E9;font-size:.82rem;text-align:center;padding:5px 0}
:root[data-theme="dark"] .notice-bar{color:#121A15}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]) .notice-bar{color:#121A15}}

/* header */
.top{border-bottom:1px solid var(--line);background:var(--paper)}
.top-in{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:64px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink)}
.brand-word{font:400 1.45rem/1 var(--serif)}
.brand-word b,.foot-brand b{font-weight:700;color:var(--field)}
.menu-btn{display:none;align-items:center;gap:8px;background:none;border:1px solid var(--line);border-radius:8px;padding:8px 12px;font:600 .9rem var(--sans);color:var(--ink)}
.bars,.bars::before,.bars::after{display:block;width:16px;height:2px;background:currentColor;position:relative}
.bars::before,.bars::after{content:"";position:absolute;left:0}.bars::before{top:-5px}.bars::after{top:5px}
.nav ul{display:flex;gap:4px;list-style:none;margin:0;padding:0;flex-wrap:wrap}
.nav a{display:block;padding:8px 10px;border-radius:6px;text-decoration:none;color:var(--ink-2);font-weight:600;font-size:.93rem}
.nav a:hover,.nav a[aria-current]{background:var(--paper-2);color:var(--ink)}
@media (max-width:900px){
  .menu-btn{display:inline-flex}
  .nav{display:none;position:absolute;left:0;right:0;top:94px;background:var(--paper);border-bottom:1px solid var(--line);z-index:5}
  .nav.open{display:block}
  .nav ul{flex-direction:column;padding:8px 16px 16px}
  .top{position:relative}
}

/* crumbs */
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;padding:0;margin:18px 0 0;font-size:.85rem;color:var(--muted)}
.crumbs li+li::before{content:"/";margin-right:6px;color:var(--line)}
.crumbs a{color:var(--muted)}

/* home */
.hero{padding:44px 0 28px;border-bottom:1px solid var(--line);background:linear-gradient(180deg,var(--paper) 0,var(--paper-2) 100%)}
.hero-in{display:grid;gap:32px;align-items:center}
@media (min-width:900px){.hero-in{grid-template-columns:1.25fr 1fr}}
.hero h1{font-size:clamp(2.4rem,6.4vw,4.2rem);margin:.15em 0 .3em}
.hero h1 em{font-style:italic;color:var(--field)}
.btns{display:flex;flex-wrap:wrap;gap:10px;margin:18px 0 6px}
.btn{display:inline-block;padding:11px 18px;border-radius:8px;background:var(--field);color:var(--paper);font-weight:700;text-decoration:none;border:2px solid var(--field);font-size:.95rem;cursor:pointer}
.btn:hover{background:var(--field-2);color:var(--paper)}
.btn.ghost{background:transparent;color:var(--field)}
.btn.ghost:hover{background:var(--paper-2);color:var(--ink)}
.btn[aria-disabled="true"]{opacity:.5;cursor:not-allowed}
.ledger{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:18px 20px;box-shadow:0 1px 0 var(--line),0 12px 30px -18px rgba(24,38,30,.35)}
.ledger h2{font-size:1.1rem;margin:0 0 10px;font-family:var(--sans);letter-spacing:.02em}
.ledger table{width:100%;border-collapse:collapse;font-size:.92rem}
.ledger th,.ledger td{text-align:left;padding:8px 6px;border-top:1px dashed var(--line);vertical-align:top}
.ledger td.num{font-family:var(--mono);white-space:nowrap;color:var(--field)}
.ledger caption{caption-side:bottom;text-align:left;font-size:.8rem;color:var(--muted);padding-top:8px}
.sec{margin:46px 0}
.sec-head{display:flex;justify-content:space-between;align-items:baseline;gap:12px;flex-wrap:wrap}
.sec-head h2{margin:0 0 .4em}
.sub{color:var(--ink-2);max-width:48em;margin-top:0}
.steps{list-style:none;padding:0;margin:0;display:grid;gap:14px;counter-reset:s}
@media (min-width:760px){.steps{grid-template-columns:repeat(4,1fr)}}
.steps li{counter-increment:s;background:var(--card);border:1px solid var(--line);border-top:4px solid var(--gold);border-radius:var(--r);padding:16px}
.steps li::before{content:"0" counter(s);font:600 .8rem var(--mono);color:var(--rust)}
.steps h3{margin:.3em 0 .3em;font-size:1.1rem}
.steps p{margin:0 0 .5em;font-size:.95rem;color:var(--ink-2)}

/* cards */
.tool-cards,.cards-list{list-style:none;padding:0;margin:0;display:grid;gap:14px}
@media (min-width:640px){.tool-cards,.cards-list{grid-template-columns:repeat(2,1fr)}}
@media (min-width:1000px){.tool-cards{grid-template-columns:repeat(4,1fr)}.cards-list{grid-template-columns:repeat(3,1fr)}}
.tool-cards a,.cards-list a{display:flex;flex-direction:column;gap:6px;height:100%;padding:16px 18px;background:var(--card);border:1px solid var(--line);border-radius:var(--r);text-decoration:none;color:var(--ink);transition:border-color .15s,transform .15s}
.tool-cards a:hover,.cards-list a:hover{border-color:var(--field);transform:translateY(-2px)}
.tc-mark{font:600 1.05rem var(--mono);color:var(--field);background:var(--gold-soft);align-self:flex-start;padding:2px 8px;border-radius:5px}
.tc-name,.cl-t{font:700 1.06rem/1.3 var(--serif)}
.tc-blurb,.cl-d{font-size:.92rem;color:var(--ink-2)}
.cl-k{font:600 .72rem var(--sans);letter-spacing:.1em;text-transform:uppercase;color:var(--rust)}

/* X section */
.xsec{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:22px;margin:46px 0}
@media (min-width:760px){.xsec{padding:30px}}
.xsec h2{margin-top:0}
.xgrid{display:grid;gap:18px}
@media (min-width:900px){.xgrid{grid-template-columns:1.4fr 1fr}}
.xlinks{list-style:none;padding:0;margin:0;display:grid;gap:8px}
@media (min-width:560px){.xlinks{grid-template-columns:1fr 1fr}}
.xlinks a{display:block;padding:10px 12px;border:1px solid var(--line);border-radius:8px;text-decoration:none;color:var(--ink);background:var(--paper)}
.xlinks a:hover{border-color:var(--field)}
.xlinks b{display:block;font-size:.95rem}
.xlinks span{font-size:.82rem;color:var(--muted);font-family:var(--mono)}
.tipcard{border:2px dashed var(--gold);border-radius:12px;padding:16px;background:var(--paper)}
.tipcard h3{margin-top:0}
.tipcard textarea{width:100%;min-height:110px;border:1px solid var(--line);border-radius:8px;padding:10px;font:inherit;background:var(--card);color:var(--ink);resize:vertical}
.tipcard .row{display:flex;justify-content:space-between;align-items:center;gap:10px;margin-top:10px;flex-wrap:wrap}
[data-tip-count]{font-size:.82rem;color:var(--muted)}
[data-tip-count].over{color:var(--bad)}

/* options table */
.table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch;margin:1.2em 0;border:1px solid var(--line);border-radius:var(--r);background:var(--card)}
table{border-collapse:collapse;width:100%;font-size:.93rem}
th,td{padding:10px 12px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
thead th{background:var(--paper-2);font-weight:700}
tbody tr:last-child td{border-bottom:0}

/* article */
.art-head{margin:10px 0 18px;max-width:52em}
.meta{font-size:.88rem;color:var(--muted)}
.answer,.takeaways{background:var(--card);border:1px solid var(--line);border-left:5px solid var(--field);border-radius:var(--r);padding:14px 18px;margin:0 0 16px;max-width:52em}
.takeaways{border-left-color:var(--gold)}
.answer p{margin:.2em 0}
.answer-k{font:700 .74rem var(--sans);letter-spacing:.12em;text-transform:uppercase;color:var(--field)}
.takeaways ul{margin:.3em 0;padding-left:1.2em}
.scenario-flag,.edu{display:block;background:var(--gold-soft);border:1px solid var(--gold);border-radius:var(--r);padding:12px 16px;margin:0 0 18px;font-size:.93rem;max-width:52em;color:var(--ink)}
.edu{margin:2em 0 0}
.art-grid{display:grid;gap:28px}
.has-toc .art-grid{grid-template-columns:1fr}
@media (min-width:1000px){.has-toc .art-grid{grid-template-columns:230px minmax(0,1fr)}}
.toc{align-self:start;font-size:.9rem;border-left:2px solid var(--line);padding-left:14px}
@media (min-width:1000px){.toc{position:sticky;top:16px}}
.toc-h{font-weight:700;margin:0 0 6px}
.toc ol{margin:0;padding-left:1.1em}
.toc li{margin:4px 0}
.toc a{color:var(--ink-2);text-decoration:none}
.toc a:hover{color:var(--field);text-decoration:underline}
.prose{max-width:46em;min-width:0}
.prose h2{scroll-margin-top:16px}
.prose li{margin:.3em 0}
.prose blockquote{margin:1.2em 0;padding:4px 16px;border-left:4px solid var(--gold);color:var(--ink-2)}
.prose code{font-family:var(--mono);font-size:.9em;background:var(--paper-2);padding:1px 5px;border-radius:4px}
.prose .formula{font-family:var(--mono);background:var(--card);border:1px solid var(--line);border-radius:8px;padding:12px 14px;overflow-x:auto;white-space:pre}
.sources ol{padding-left:1.3em;font-size:.93rem}
.src-note{color:var(--muted)}
.faq details{border:1px solid var(--line);border-radius:var(--r);background:var(--card);padding:12px 16px;margin:10px 0;max-width:52em}
.faq summary{font-weight:700;cursor:pointer}
.faq details p{margin:.6em 0 0;color:var(--ink-2)}
.idx-head{margin:10px 0 0}

/* calculators */
.calc{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:16px;margin:8px 0 30px}
@media (min-width:760px){.calc{padding:24px}}
.offers,.calc-grid{display:grid;gap:18px}
@media (min-width:860px){.offers,.calc-grid{grid-template-columns:1fr 1fr}}
.offer,.checklist fieldset{border:1px solid var(--line);border-radius:var(--r);padding:14px 16px;margin:0;min-width:0;background:var(--paper)}
legend{font:700 1.05rem var(--serif);padding:0 6px}
.fld{display:block;margin:10px 0}
.fld span{display:block;font-size:.86rem;font-weight:600;color:var(--ink-2);margin-bottom:4px}
.fld input,.fld select{width:100%;padding:9px 10px;border:1px solid var(--line);border-radius:7px;background:var(--card);color:var(--ink);font:500 1rem var(--mono)}
.fld-row{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.fld-h{font-weight:700;margin:16px 0 0;font-size:.92rem}
.seg{display:flex;gap:6px;flex-wrap:wrap;margin:4px 0 6px}
.seg label{display:flex;align-items:center;gap:6px;border:1px solid var(--line);border-radius:999px;padding:5px 12px;font-size:.88rem;cursor:pointer;background:var(--card)}
.offer.is-factor .k-rate,.offer.is-rate .k-factor{display:none}
.out{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin:14px 0 0}
.out div{background:var(--card);border:1px solid var(--line);border-radius:8px;padding:8px 10px;min-width:0}
.out dt{font-size:.78rem;color:var(--muted);font-weight:600}
.out dd{margin:2px 0 0;font:600 1rem var(--mono);overflow-wrap:anywhere}
.out .out-big{grid-column:1/-1;border-color:var(--field)}
.out .out-big dd{font-size:1.7rem;color:var(--field)}
.results .out .out-big{grid-column:auto}
.results .out{grid-template-columns:1fr 1fr}
.verdict{font-weight:600;margin:14px 0 4px;min-height:1.4em}
.amort{font-family:var(--mono);font-size:.86rem}
.amort caption{text-align:left;padding:8px 12px;font:700 .9rem var(--sans)}
.chk{display:flex;gap:10px;align-items:flex-start;padding:6px 0;cursor:pointer;font-size:.95rem}
.chk input{margin-top:5px;width:18px;height:18px;accent-color:var(--field);flex:none}
.checklist fieldset+fieldset{margin-top:12px}
.score{font:600 3.4rem/1 var(--mono);color:var(--field)}
.score small{font-size:1.1rem;color:var(--muted)}
.band{font:700 1.3rem var(--serif);margin:.3em 0}
[data-band="early"] .score{color:var(--bad)}[data-band="building"] .score{color:var(--warn)}
.fixes{padding-left:1.2em;font-size:.93rem}
@media (min-width:860px){.sticky{position:sticky;top:16px;align-self:start}}

/* 404 */
.nf{padding:40px 0 10px;max-width:46em}
.nf-links{display:flex;flex-wrap:wrap;gap:10px;list-style:none;padding:0}
.nf-links a{display:block;padding:8px 14px;border:1px solid var(--line);border-radius:8px;background:var(--card);text-decoration:none}

/* footer */
.foot{margin-top:60px;background:var(--paper-2);border-top:1px solid var(--line);font-size:.92rem}
.foot-grid{display:grid;gap:24px;padding-top:36px;padding-bottom:20px}
@media (min-width:760px){.foot-grid{grid-template-columns:1.6fr 1fr 1fr 1fr}}
.foot-brand{font:400 1.4rem var(--serif);margin:0 0 .4em}
.foot-h{font-weight:700;margin:0 0 6px;text-transform:uppercase;letter-spacing:.08em;font-size:.76rem;color:var(--rust)}
.foot ul{list-style:none;padding:0;margin:0 0 14px}
.foot li{margin:4px 0}
.foot a{color:var(--ink-2)}
.foot-base{display:flex;flex-wrap:wrap;justify-content:space-between;gap:10px;padding-top:14px;padding-bottom:26px;border-top:1px solid var(--line);color:var(--muted);font-size:.84rem}
@media print{.top,.foot,.notice-bar,.toc,.calc{display:none}}