@font-face{font-family:Public Sans Variable;font-style:normal;font-display:swap;font-weight:100 900;src:url(/_astro/public-sans-vietnamese-wght-normal.CtlIRbEm.woff2)format("woff2-variations");unicode-range:U+102-103,U+110-111,U+128-129,U+168-169,U+1A0-1A1,U+1AF-1B0,U+300-301,U+303-304,U+308-309,U+323,U+329,U+1EA0-1EF9,U+20AB}@font-face{font-family:Public Sans Variable;font-style:normal;font-display:swap;font-weight:100 900;src:url(/_astro/public-sans-latin-ext-wght-normal.MQgHevqp.woff2)format("woff2-variations");unicode-range:U+100-2BA,U+2BD-2C5,U+2C7-2CC,U+2CE-2D7,U+2DD-2FF,U+304,U+308,U+329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}@font-face{font-family:Public Sans Variable;font-style:normal;font-display:swap;font-weight:100 900;src:url(/_astro/public-sans-latin-wght-normal.DdeTHZLK.woff2)format("woff2-variations");unicode-range:U+??,U+131,U+152-153,U+2BB-2BC,U+2C6,U+2DA,U+2DC,U+304,U+308,U+329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}@font-face{font-family:IBM Plex Mono;font-style:normal;font-display:swap;font-weight:400;src:url(/_astro/ibm-plex-mono-latin-400-normal.DMJ8VG8y.woff2)format("woff2"),url(/_astro/ibm-plex-mono-latin-400-normal.CvHOgSBP.woff)format("woff")}@font-face{font-family:IBM Plex Mono;font-style:normal;font-display:swap;font-weight:500;src:url(/_astro/ibm-plex-mono-latin-500-normal.DSY6xOcd.woff2)format("woff2"),url(/_astro/ibm-plex-mono-latin-500-normal.CB9ihrfo.woff)format("woff")}@font-face{font-family:IBM Plex Mono;font-style:normal;font-display:swap;font-weight:600;src:url(/_astro/ibm-plex-mono-latin-600-normal.BgSNZQsw.woff2)format("woff2"),url(/_astro/ibm-plex-mono-latin-600-normal.DWFSQ4vo.woff)format("woff")}:root{--ink-900:#101820;--ink-700:#2b3947;--ink-500:#5b6b80;--ink-500-on-dark:#9fb0bd;--ink-200:#e2e8f0;--ink-100:#edf1f5;--ink-050:#f6f8fa;--white:#fff;--brand:#0e5c7f;--brand-dk:#0a465f;--brand-tint:#eaf3f8;--bar-tint:#f0f9ff;--brass:#c5a059;--brass-ink:#8a6420;--pos:#0f7b4f;--neg:#b3261e;--warn:#8a5a00;--font-body:"Public Sans Variable", "Public Sans", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;--font-mono:"IBM Plex Mono", ui-monospace, SFMono-Regular, Menlo, monospace;--fs-input:16px;--fs-body:16px;--fs-table:13px;--fs-label:12px;--header-height:70px;--header-pad-y:10px;--fs-brand:24px;--fs-nav:17px;--w-content:760px;--w-rail:300px;--gutter:35px;--bp-rail:1180px;--chrome:#101820;--chrome-2:#1e2b36;--chrome-3:#16212b;--chrome-line:#26333e;--chrome-btn-line:#4a5a69;--on-chrome:#fff;--on-chrome-soft:#c9d3dc;--on-chrome-muted:#9fb0bd;--on-chrome-faint:#7c8d9a;--on-chrome-pos:#4cbe8c;--on-chrome-neg:#f08076;--on-brass:#101820;--brass-hover:#d8b570;--tile-bg:#fbfcfd;--row-alt:#fafbfc;--field-border:#b9c6d0;--field-border-hover:#9fb0bd;--focus-glow:#0e5c7f29;--warn-tint:#fbf0dc;--pos-tint:#e2f2ea;--neg-tint:#fbe9e7;--binding-tint:#fbf6ea;--tone-good:#0b5b39;--tone-good-bg:#e7f4ec;--tone-good-line:#bfe3ce;--tone-caution:#7a5410;--tone-caution-bg:#fdf4e3;--tone-caution-line:#ebd9b4;--tone-bad:#8c1d18;--tone-bad-bg:#fcebea;--tone-bad-line:#f2c9c6;--series-principal:#0670a3;--series-interest:#c8912b;--series-tax:#00897b;--series-insurance:#6a4bc4;--series-pmi:#c2447e;--series-hoa:#e2621b;--chart-guide:#94a3b8;color-scheme:light dark;--radius:8px;--radius-sm:5px;--shadow-card:0 1px 2px #1018200d;--space-1:3px;--space-2:7px;--space-3:10px;--space-4:14px;--space-5:20px;--space-6:27px;--space-7:41px}@media (prefers-color-scheme:dark){:root{--ink-900:#e9eff4;--ink-700:#c9d3dc;--ink-500:#97a7b7;--ink-500-on-dark:#9fb0bd;--ink-200:#2b3947;--ink-100:#1b2631;--ink-050:#0c1319;--white:#131c25;--brand:#6cb8dd;--brand-dk:#93cdeb;--brand-tint:#15293a;--bar-tint:#13222f;--brass-ink:#d4b274;--pos:#4cbe8c;--neg:#f28a80;--warn:#e2b45e;--chrome:#070c11;--chrome-2:#18232d;--chrome-3:#111a22;--chrome-line:#1f2a35;--chrome-btn-line:#3b4b5b;--tile-bg:#17212b;--row-alt:#16202a;--field-border:#3b4b5b;--field-border-hover:#56687a;--focus-glow:#6cb8dd47;--warn-tint:#3a2e16;--pos-tint:#133325;--neg-tint:#3a1a18;--binding-tint:#2c2615;--tone-good:#6fd3a3;--tone-good-bg:#10291e;--tone-good-line:#1f4b36;--tone-caution:#e9c27a;--tone-caution-bg:#2e2513;--tone-caution-line:#574424;--tone-bad:#f59a91;--tone-bad-bg:#33191a;--tone-bad-line:#5e2a2a;--series-principal:#4fa8d8;--series-interest:#d9a441;--series-tax:#2bb3a3;--series-insurance:#9b82e0;--series-pmi:#e07aa8;--series-hoa:#f08a4b;--chart-guide:#56687a;--shadow-card:0 1px 2px #00000059}}*,:before,:after{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{background:var(--ink-050);color:var(--ink-700);font-family:var(--font-body);font-size:var(--fs-body);-webkit-font-smoothing:antialiased;margin:0;line-height:1.6}h1,h2,h3,h4{color:var(--ink-900);text-wrap:balance;margin:0;font-weight:700;line-height:1.2}h1{letter-spacing:-.02em;font-size:clamp(1.75rem,4.2vw,2.35rem)}h2{letter-spacing:-.01em;font-size:1.4rem}h3{font-size:1.1rem}p{margin:0}a{color:var(--brand);text-underline-offset:2px}a:hover{color:var(--brand-dk)}:focus-visible{outline:2px solid var(--brand);outline-offset:2px;border-radius:3px}img,svg{max-width:100%;height:auto}[hidden]{display:none!important}.tabular{font-variant-numeric:tabular-nums}.visually-hidden{clip:rect(0 0 0 0);white-space:nowrap;border:0;width:1px;height:1px;margin:-1px;padding:0;position:absolute;overflow:hidden}.skip-link{z-index:100;background:var(--brand);color:var(--white);border-radius:0 0 var(--radius-sm) var(--radius-sm);padding:10px 16px;font-weight:600;text-decoration:none;transition:top .15s;position:absolute;top:-48px;left:8px}.skip-link:focus{color:var(--white);top:0}.prose{max-width:68ch}.prose>*+*{margin-top:var(--space-4)}.prose h2{margin-top:var(--space-6)}.prose h3{margin-top:var(--space-5)}.prose ul,.prose ol{margin-top:var(--space-3);padding-left:22px}.prose li+li{margin-top:var(--space-2)}.prose li::marker{color:var(--ink-500)}.prose strong{color:var(--ink-900);font-weight:600}.prose code{font-family:var(--font-mono);background:var(--ink-100);color:var(--brand-dk);border-radius:3px;padding:1px 5px;font-size:.875em}.prose .note{border-left:3px solid var(--ink-200);padding-left:var(--space-4);color:var(--ink-500)}.prose .note strong{color:var(--brass-ink)}@media (prefers-reduced-motion:reduce){*,:before,:after{scroll-behavior:auto!important;transition-duration:.01ms!important;animation-duration:.01ms!important}}:where(.calc-card,.matrix tr,.input-row,.result-row,h2,h3,[id]){scroll-margin-top:calc(var(--header-height) + var(--space-3))}.site-header{background:var(--chrome);border-bottom:3px solid var(--brass);z-index:50;position:sticky;top:0}.site-header__inner{max-width:1240px;padding:var(--header-pad-y) var(--space-4);min-height:var(--header-height);justify-content:space-between;align-items:center;gap:var(--space-4);margin:0 auto;display:flex}.brand{color:var(--on-chrome);font-weight:700;font-size:var(--fs-brand);letter-spacing:-.01em;white-space:nowrap;text-decoration:none}.brand:hover{color:var(--on-chrome)}.brand em{color:var(--brass);font-style:normal}.nav{align-items:center;gap:2px;display:flex}.nav a,.nav summary{color:var(--on-chrome-soft);font-size:var(--fs-nav);border-radius:var(--radius-sm);white-space:nowrap;padding:8px 11px;font-weight:500;text-decoration:none;display:block}.nav a:hover,.nav summary:hover{color:var(--on-chrome);background:var(--chrome-2)}.nav a[aria-current=page]{color:var(--brass);font-weight:600}.nav-group__menu a[aria-current=page]{color:var(--brass-ink)}.nav-group{position:relative}.nav-group>summary{cursor:pointer;align-items:center;gap:5px;list-style:none;display:flex}.nav-group>summary::-webkit-details-marker{display:none}.nav-group>summary:after{content:"";border-top:5px solid;border-left:4px solid #0000;border-right:4px solid #0000;width:0;height:0}.nav-group[open]>summary{color:var(--on-chrome);background:var(--chrome-2)}.nav-group__menu{z-index:60;background:var(--white);border:1px solid var(--ink-200);border-radius:var(--radius);min-width:232px;padding:6px;position:absolute;top:calc(100% + 6px);right:0;box-shadow:0 8px 24px -8px #10182047}.nav-group__menu a{color:var(--ink-700);border-radius:var(--radius-sm);padding:8px 11px;font-size:15px}.nav-group__menu a:hover{background:var(--brand-tint);color:var(--brand-dk)}.nav-group__menu--wide{width:340px}.nav-group__menu--wide a{white-space:normal;gap:1px;padding:9px 12px;display:grid}.nav-item__name{color:var(--ink-900);font-weight:600}.nav-item__q{color:var(--ink-500);font-size:13px;line-height:1.35}.nav-group__menu a:hover .nav-item__name{color:var(--brand-dk)}.nav-group__menu a[aria-current=page] .nav-item__name{color:var(--brass-ink)}.nav-group.is-current>summary{color:var(--brass);font-weight:600}.nav-toggle{display:none}.nav-toggle>summary{cursor:pointer;color:var(--on-chrome);border-radius:var(--radius-sm);font-size:var(--fs-nav);padding:8px 10px;font-weight:600;list-style:none}.nav-toggle>summary::-webkit-details-marker{display:none}.nav-toggle__menu{background:var(--white);border-bottom:1px solid var(--ink-200);padding:var(--space-2);position:absolute;top:100%;left:0;right:0;box-shadow:0 12px 24px -12px #1018204d}.nav-toggle__menu a{color:var(--ink-700);padding:12px var(--space-3);border-radius:var(--radius-sm);font-size:15px;font-weight:500;text-decoration:none;display:block}.nav-toggle__menu a:hover{background:var(--brand-tint)}.nav-toggle__menu{max-height:calc(100dvh - var(--header-height));overflow-y:auto}.nav-toggle__group+.nav-toggle__group{border-top:1px solid var(--ink-200);margin-top:var(--space-1);padding-top:var(--space-1)}.nav-toggle__title{padding:10px var(--space-3) 2px;letter-spacing:.08em;text-transform:uppercase;color:var(--ink-500);margin:0;font-size:12px;font-weight:700}.nav-toggle__menu a[aria-current=page]{color:var(--brass-ink);font-weight:600}@media (width<=980px){.nav{display:none}.nav-toggle{display:block}}.site-footer{background:var(--chrome);color:var(--on-chrome-muted);margin-top:var(--space-6);padding:var(--space-5) var(--space-4) var(--space-4);font-size:14px}.site-footer__inner{max-width:1240px;margin:0 auto}.site-footer__cols{gap:var(--space-5);padding-bottom:var(--space-5);border-bottom:1px solid var(--chrome-line);grid-template-columns:repeat(auto-fit,minmax(190px,1fr));display:grid}.site-footer h2{color:var(--brass);letter-spacing:.12em;text-transform:uppercase;margin-bottom:var(--space-3);font-size:11px;font-weight:700}.site-footer ul{gap:6px;margin:0;padding:0;list-style:none;display:grid}.site-footer a{color:var(--on-chrome-soft);text-decoration:none}.site-footer a:hover{color:var(--brass);text-decoration:underline}.site-footer__base{padding-top:var(--space-4);gap:var(--space-3) var(--space-5);color:var(--on-chrome-faint);flex-wrap:wrap;justify-content:space-between;font-size:12.5px;display:flex}.crumbs{color:var(--ink-500);font-size:13px}.crumbs ol{flex-wrap:wrap;align-items:center;gap:6px;margin:0;padding:0;list-style:none;display:flex}.crumbs li:not(:last-child):after{content:"/";color:var(--ink-200);margin-left:6px}.crumbs a{color:var(--ink-500);text-decoration:none}.crumbs a:hover{color:var(--brand);text-decoration:underline}.crumbs [aria-current=page]{color:var(--ink-700);font-weight:500}.calc-card{background:var(--white);border:1px solid var(--ink-200);border-radius:var(--radius);box-shadow:var(--shadow-card);overflow:hidden}.calc-card__header{background:var(--chrome);color:var(--brass);border-bottom:2px solid var(--brass);box-sizing:border-box;min-height:40px;padding:8px var(--space-4);letter-spacing:.11em;text-transform:uppercase;justify-content:space-between;align-items:center;gap:var(--space-3);font-size:11px;font-weight:700;display:flex}.calc-card__body{padding:var(--space-2) 0}.input-row{justify-content:space-between;align-items:center;gap:var(--space-3);padding:8px var(--space-4);border-top:1px solid var(--ink-100);display:flex}.calc-card__body>.input-row:first-child{border-top:none}.input-row__label{color:var(--ink-900);flex:auto;align-items:center;gap:2px;min-width:0;font-size:14px;font-weight:500;display:flex}.input-row__field{flex:0 0 168px;align-items:center;min-width:0;display:flex;position:relative}.input-row__field>.field{min-width:0}.input-row--accent{background:var(--brand-tint);border-left:4px solid var(--brand)}.input-row--accent .input-row__label{letter-spacing:.02em;color:var(--ink-900);font-weight:700}.input-row--disabled .field{background:var(--ink-100);color:var(--ink-500);border-color:var(--ink-200);cursor:not-allowed}.field{width:100%;height:38px;font-family:var(--font-mono);font-size:var(--fs-input);color:var(--ink-900);background:var(--white);border:1px solid var(--field-border);border-radius:var(--radius-sm);text-align:right;font-variant-numeric:tabular-nums;padding:0 11px;font-weight:600;transition:border-color .12s,box-shadow .12s}.field:hover{border-color:var(--field-border-hover)}.field:focus{border-color:var(--brand);box-shadow:0 0 0 3px var(--focus-glow);outline:none}.field--has-prefix{padding-left:24px}.field--has-suffix{padding-right:26px}.field__prefix,.field__suffix{color:var(--ink-500);pointer-events:none;font-size:14px;font-weight:600;position:absolute}.field__prefix{left:11px}.field__suffix{right:11px}input[type=date].field{font-family:var(--font-mono);font-variant-numeric:tabular-nums}input[type=date].field::-webkit-calendar-picker-indicator{opacity:.55;cursor:pointer}input[type=date].field::-webkit-calendar-picker-indicator:hover{opacity:1}.segmented{border:0;min-width:0;margin:0;padding:0}.segmented__options{background:var(--ink-100);border:1px solid var(--ink-200);border-radius:var(--radius-sm);gap:2px;padding:2px;display:inline-flex}.segmented__option{justify-content:center;align-items:center;display:flex;position:relative}.segmented__option input{opacity:0;cursor:pointer;margin:0;position:absolute;inset:0}.segmented__option span{text-align:center;letter-spacing:.04em;text-transform:uppercase;width:100%;color:var(--ink-500);white-space:nowrap;user-select:none;border-radius:4px;justify-content:center;align-items:center;padding:6px 11px;font-size:12px;font-weight:700;display:flex}.segmented__option input:hover+span{color:var(--ink-700)}.segmented__option input:checked+span{background:var(--white);color:var(--brand-dk);box-shadow:0 1px 2px #1018201f}@media (prefers-color-scheme:dark){.segmented__option input:checked+span{background:var(--ink-200)}}.segmented__option input:focus-visible+span{outline:2px solid var(--brand);outline-offset:1px}.tip{display:inline-flex;position:relative}.tip__button{background:var(--ink-200);width:24px;height:24px;color:var(--ink-700);cursor:help;border:0;border-radius:50%;justify-content:center;align-items:center;margin-left:4px;padding:0;font-size:12px;font-weight:700;line-height:1;display:inline-flex}.tip__button:hover{background:var(--brand);color:var(--white)}.tip__bubble{z-index:100;background-color:var(--chrome);width:max-content;max-width:min(260px,100vw - 24px);color:var(--on-chrome);border-radius:var(--radius-sm);font-family:var(--font-body);text-align:left;white-space:normal;word-break:break-word;text-transform:none;letter-spacing:normal;font-variant-numeric:normal;opacity:0;visibility:hidden;pointer-events:none;padding:.5rem .75rem;font-size:.8125rem;font-weight:400;line-height:1.35;transition:opacity .12s;position:fixed;top:0;left:0;box-shadow:0 6px 20px -6px #10182073}.tip__bubble:after{content:"";left:var(--arrow-x,50%);border:5px solid #0000;margin-left:-5px;position:absolute}.tip__bubble[data-placement=top]:after{border-top-color:var(--chrome);top:100%}.tip__bubble[data-placement=bottom]:after{border-bottom-color:var(--chrome);bottom:100%}.tip__bubble.is-visible{opacity:1;visibility:visible}.results{background:var(--ink-200);border-top:1px solid var(--ink-200);grid-template-columns:repeat(var(--result-cols,3), minmax(0, 1fr));gap:1px;display:grid}@media (width<=560px){.results{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (width<=340px){.results{grid-template-columns:minmax(0,1fr)}}@media (width>=341px) and (width<=560px){.results>.tile:first-child:nth-last-child(odd){grid-column:1/-1}}@media (width<=430px){.tile__value{font-size:16px}.tile--lead .tile__value{font-size:18px}}.tile{background:var(--tile-bg);padding:5px var(--space-2);text-align:center;flex-direction:column;justify-content:center;align-items:center;gap:0;min-height:52px;display:flex}.tile>*{width:100%}.tile--lead{background:var(--brand-tint)}.tile__label{font-size:var(--fs-label);letter-spacing:.07em;text-transform:uppercase;color:var(--ink-500);flex-wrap:wrap;justify-content:center;align-items:center;margin-bottom:.25rem;font-weight:700;line-height:1.25;display:flex}.tile__value{font-family:var(--font-mono);font-variant-numeric:tabular-nums;color:var(--ink-900);font-size:18px;font-weight:700;line-height:1.1}.tile--lead .tile__value{color:var(--brand-dk);font-size:21px}.tile__value--positive{color:var(--pos)}.tile__value--negative{color:var(--neg)}.tile__note{color:var(--ink-500);font-size:11.5px;line-height:1.25}:is([data-tool-slug=mortgage-calculator],[data-tool-slug=amortization-schedule]) .tile{min-height:74px}:is([data-tool-slug=mortgage-calculator],[data-tool-slug=amortization-schedule]) .tile__label{min-height:18px;margin-bottom:.15rem}:is([data-tool-slug=mortgage-calculator],[data-tool-slug=amortization-schedule]) .tile__note{margin-top:.15rem}.badge{letter-spacing:.05em;text-transform:uppercase;border-radius:20px;align-self:center;padding:2px 7px;font-size:10.5px;font-weight:700;display:inline-block}.badge--warn{background:var(--warn-tint);color:var(--warn)}.badge--pos{background:var(--pos-tint);color:var(--pos)}.badge--neg{background:var(--neg-tint);color:var(--neg)}.collapse{border-top:1px solid var(--ink-200);background:var(--white)}.collapse>summary{cursor:pointer;padding:10px var(--space-4);color:var(--brand);justify-content:space-between;align-items:center;gap:var(--space-3);font-size:14px;font-weight:600;list-style:none;display:flex}.collapse>summary::-webkit-details-marker{display:none}.collapse>summary:hover{background:var(--brand-tint)}.collapse__sign{font-family:var(--font-mono);color:var(--ink-500);font-size:16px;font-weight:600;line-height:1}.collapse[open]>summary{border-bottom:1px solid var(--ink-100)}.collapse[open]>summary .collapse__sign:before{content:"−"}.collapse:not([open])>summary .collapse__sign:before{content:"+"}.ad{background:var(--ink-100);border:1px dashed var(--field-border);border-radius:var(--radius);flex-direction:column;justify-content:center;align-items:center;gap:4px;display:flex;overflow:hidden}.ad__label{letter-spacing:.14em;text-transform:uppercase;color:var(--ink-500);font-size:10px;font-weight:700}.ad__placeholder{color:var(--ink-500);font-size:11.5px;font-family:var(--font-mono)}.ad--banner{min-height:280px;margin:var(--space-5) 0}.ad--rail{min-height:620px}@media (width<=700px){.ad--banner{min-height:300px}}.share{align-items:center;gap:var(--space-2) var(--space-4);padding:var(--space-3) var(--space-4);border-top:1px solid var(--ink-200);flex-wrap:wrap;display:flex}.share__btn{border-radius:var(--radius-sm);border:1px solid var(--brand);background:var(--white);color:var(--brand-dk);font-family:var(--font-body);cursor:pointer;white-space:nowrap;align-items:center;gap:7px;padding:7px 14px;font-size:13px;font-weight:700;transition:background .12s,border-color .12s,color .12s;display:inline-flex}.share__btn:hover{background:var(--brand-tint)}.share__btn:focus-visible{outline:2px solid var(--brand);outline-offset:2px}.share__btn[data-state=copied]{background:var(--pos);border-color:var(--pos);color:var(--white)}.share__btn[data-state=failed]{background:var(--neg);border-color:var(--neg);color:var(--white)}.share__note{color:var(--ink-500);flex:22ch;margin:0;font-size:12px}.tool-actions{align-items:center;gap:var(--space-2) var(--space-3);margin:var(--space-3) 0 var(--space-4);flex-wrap:wrap;display:flex}.tool-actions .share__note{flex:100%}.share__btn{justify-content:center;min-height:40px}.share__btn .icon{flex:none;display:block}.share__btn--quiet{border-color:var(--ink-200);color:var(--ink-700)}.share__btn--quiet:hover{border-color:var(--brand);background:var(--brand-tint)}@media (width<=430px){.tool-actions .share__btn{flex:1 1 0;padding:7px 8px}}.input-pair{display:contents}@media (width<=560px){.input-pair{border-top:1px solid var(--ink-100);grid-auto-columns:minmax(0,1fr);grid-auto-flow:column;display:grid}.input-pair .input-row{border-top:0;flex-flow:column;justify-content:space-between;align-items:stretch;height:100%}.input-pair .input-row .input-row__label,.input-pair .input-row .input-row__field{flex:none}.input-pair>*+*{border-left:1px solid var(--ink-100)}}.input-row:has(>.field-hint:not([hidden])){flex-wrap:wrap}.field-hint{color:var(--warn);text-align:right;flex:100%;margin:4px 0 0;font-size:12.5px}.field[aria-invalid=true]{border-color:var(--warn)}.share--under-grid{margin-top:var(--space-4);border-top:0;padding-top:0}.compare{border-top:1px solid var(--ink-200);background:var(--white)}.compare-switch{justify-content:space-between;align-items:center;gap:var(--space-3);padding:var(--space-3) var(--space-4);background:var(--brand-tint);border-top:1px solid var(--ink-200);border-left:4px solid var(--brand);flex-wrap:wrap;display:flex}.compare-switch__label{letter-spacing:.09em;text-transform:uppercase;color:var(--ink-900);align-items:center;gap:2px;font-size:12px;font-weight:700;display:flex}.compare__grid{background:var(--ink-200);border-top:1px solid var(--ink-200);grid-template-columns:minmax(0,1fr);gap:1px;display:grid}@media (width>=380px){.compare__grid{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (width>=1000px){.compare__grid{grid-template-columns:repeat(4,minmax(0,1fr))}}.compare__cell{background:var(--ink-050);padding:var(--space-3) var(--space-3);text-align:center;align-content:start;gap:3px;display:grid}.compare__label{letter-spacing:.08em;text-transform:uppercase;color:var(--ink-500);font-size:11px;font-weight:700}.compare__value{font-family:var(--font-mono);font-variant-numeric:tabular-nums;color:var(--ink-900);font-size:15px;font-weight:700}.compare__impact{color:var(--ink-500);border-top:1px solid var(--ink-200);margin-top:5px;padding-top:5px;font-size:11px;font-weight:600}.compare__legend{color:var(--ink-500);font-size:10.5px}.compare__unit{font-family:var(--font-body);color:var(--ink-500);white-space:nowrap;font-size:11px;font-weight:600}.compare__delta{font-family:var(--font-mono);font-variant-numeric:tabular-nums;color:var(--ink-900);font-size:15px;font-weight:700}.compare__delta[data-tone=good]{color:var(--pos)}.compare__delta[data-tone=bad]{color:var(--neg)}[data-tool-slug=amortization-schedule] .input-row__aside .segmented__option span{min-width:74px}[data-hydrating] .tile__value{visibility:hidden}.schedule{margin-top:var(--space-4)}.schedule__head{justify-content:space-between;align-items:center;gap:var(--space-2) var(--space-3);margin-bottom:var(--space-2);flex-wrap:wrap;display:flex}.schedule__title{letter-spacing:.02em;color:var(--ink-900);font-size:15px;font-weight:700}.schedule__head .segmented,.schedule__head .segmented__options{width:auto}.schedule__head .segmented__option{flex:none}.faq{gap:var(--space-2);display:grid}.faq__item{background:var(--white);border:1px solid var(--ink-200);border-radius:var(--radius);overflow:hidden}.faq__item>summary{cursor:pointer;padding:10px var(--space-4);color:var(--ink-900);justify-content:space-between;align-items:flex-start;gap:var(--space-3);font-size:15.5px;font-weight:600;list-style:none;display:flex}.faq__item>summary::-webkit-details-marker{display:none}.faq__item>summary:hover{background:var(--brand-tint)}.faq__sign{color:var(--brand);flex:none;font-weight:700;line-height:1.5}.faq__item[open] .faq__sign:before{content:"−"}.faq__item:not([open]) .faq__sign:before{content:"+"}.faq__answer{padding:0 var(--space-4) var(--space-4);color:var(--ink-700);max-width:68ch}.formula{background:var(--white);border:1px solid var(--ink-200);border-left:3px solid var(--brass);border-radius:0 var(--radius) var(--radius) 0;padding:var(--space-4)}.formula__expression{font-family:var(--font-mono);color:var(--ink-900);background:var(--ink-050);padding:var(--space-3);border-radius:var(--radius-sm);white-space:nowrap;font-size:15px;font-weight:600;overflow-x:auto}@media (width<=560px){.formula__expression{white-space:normal;overflow-wrap:anywhere;font-size:14px;line-height:1.5}}.formula__terms{margin:var(--space-3) 0 0;gap:7px;padding:0;list-style:none;display:grid}.formula__term{gap:var(--space-3);grid-template-columns:84px minmax(0,1fr);font-size:14px;display:grid}.formula__terms dd{margin:0}.formula__terms dfn{font-family:var(--font-mono);color:var(--brand-dk);font-style:normal;font-weight:600}.example{background:var(--white);border:1px solid var(--ink-200);border-radius:var(--radius);padding:var(--space-4)}.example__scenario{color:var(--ink-700);margin-bottom:var(--space-3)}.takeaway{align-items:center;gap:var(--space-2) var(--space-3);margin-top:var(--space-4);padding:var(--space-3) var(--space-4);background:var(--ink-050);border:1px solid var(--ink-200);border-left:4px solid var(--brand);border-radius:0 var(--radius-sm) var(--radius-sm) 0;flex-wrap:wrap;display:flex}.takeaway__title{letter-spacing:.1em;text-transform:uppercase;color:var(--ink-500);font-size:11px;font-weight:700}.takeaway__value{color:var(--ink-900);font-weight:700}.takeaway__value[data-tone=good]{color:var(--tone-good)}.takeaway__value[data-tone=caution]{color:var(--tone-caution)}.takeaway__value[data-tone=bad]{color:var(--tone-bad)}.example__verdict{margin:0 0 var(--space-3);letter-spacing:.02em;border:1px solid #0000;border-radius:999px;padding:3px 10px;font-size:12px;font-weight:700;display:inline-block}.example__verdict[data-tone=good]{background:var(--tone-good-bg);color:var(--tone-good);border-color:var(--tone-good-line)}.example__verdict[data-tone=caution]{background:var(--tone-caution-bg);color:var(--tone-caution);border-color:var(--tone-caution-line)}.example__verdict[data-tone=bad]{background:var(--tone-bad-bg);color:var(--tone-bad);border-color:var(--tone-bad-line)}.example__verdict[data-tone=neutral]{background:var(--ink-100);color:var(--ink-700);border-color:var(--ink-200)}.example__inputs{background:var(--ink-200);border:1px solid var(--ink-200);border-radius:var(--radius-sm);margin-bottom:var(--space-3);grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:1px;display:grid;overflow:hidden}.example__input{background:var(--ink-050);padding:8px var(--space-3)}.example__alternative{margin-top:var(--space-3);padding-top:var(--space-3);border-top:1px solid var(--ink-200)}.example__input dt{letter-spacing:.06em;text-transform:uppercase;color:var(--ink-500);font-size:11px;font-weight:700}.example__input dd{font-family:var(--font-mono);font-variant-numeric:tabular-nums;color:var(--ink-900);margin:2px 0 0;font-weight:600}.byline{align-items:center;gap:var(--space-2) var(--space-4);padding:var(--space-2) 0;border-top:1px solid var(--ink-200);color:var(--ink-500);flex-wrap:wrap;font-size:13.5px;display:flex}.byline__name{color:var(--ink-900);padding:4px 0;font-weight:600;display:inline-block}.byline__role{color:var(--ink-500)}.byline__date{font-family:var(--font-mono);font-size:12.5px}.disclaimer{background:var(--white);border:1px solid var(--ink-200);border-left:3px solid var(--ink-500);border-radius:0 var(--radius) var(--radius) 0;padding:var(--space-2) var(--space-4);color:var(--ink-500);max-width:68ch;font-size:13.5px}.disclaimer strong{color:var(--ink-700)}.related{gap:var(--space-3);grid-template-columns:repeat(auto-fit,minmax(240px,1fr));display:grid}.tool-card{background:var(--white);border:1px solid var(--ink-200);border-radius:var(--radius);padding:var(--space-4);box-shadow:var(--shadow-card);text-decoration:none;transition:border-color .12s,transform .12s;display:block}.tool-card:hover{border-color:var(--brand);transform:translateY(-1px)}.tool-card__name{color:var(--ink-900);min-height:2lh;margin-bottom:5px;font-size:16px;font-weight:700}.tool-card:hover .tool-card__name{color:var(--brand-dk)}.tool-card__intent{color:var(--ink-500);font-size:14px;line-height:1.5}.chart{background:var(--white);border:1px solid var(--ink-200);border-radius:var(--radius);padding:var(--space-4);gap:var(--space-3);display:grid}.chart__title{color:var(--ink-900);font-size:15px;font-weight:700}.chart__note{color:var(--ink-500);font-size:13px}.chart__bar{border-radius:4px;width:100%;height:44px;display:block}.chart__area{max-width:100%;height:auto;display:block;overflow:visible}.chart__tick{font-family:var(--font-mono);fill:var(--ink-500);font-variant-numeric:tabular-nums;font-size:10.5px}.chart__marker-label{font-family:var(--font-body);fill:var(--ink-900);font-size:11px;font-weight:700}.chart__legend{gap:5px;margin:0;padding:0;list-style:none;display:grid}.chart__legend li{gap:var(--space-2);grid-template-columns:12px minmax(0,1fr) auto auto;align-items:center;font-size:13.5px;display:grid}.chart__legend--inline{justify-content:start;gap:var(--space-4);grid-auto-columns:max-content;grid-auto-flow:column}.chart__legend--inline li{grid-template-columns:12px auto}.chart__swatch{border-radius:3px;width:12px;height:12px}.chart__legend-name{color:var(--ink-700)}.chart__legend-value{color:var(--ink-900);font-weight:600;font-family:var(--font-mono)}.chart__legend-share{color:var(--ink-500);font-family:var(--font-mono);text-align:right;min-width:48px}.chart-row{gap:var(--space-4);display:grid}@media (width>=720px){.chart-row--split{grid-template-columns:1fr 1fr}}.kv{background:var(--ink-200);border:1px solid var(--ink-200);border-radius:var(--radius);gap:1px;display:grid;overflow:hidden}.kv__row{background:var(--white);justify-content:space-between;align-items:center;gap:var(--space-3);padding:9px var(--space-4);font-size:14px;display:flex}.kv__row--total{background:var(--brand-tint);font-weight:700}.kv__label{color:var(--ink-700);align-items:center;gap:2px;display:flex}.kv__value{font-family:var(--font-mono);font-variant-numeric:tabular-nums;color:var(--ink-900);white-space:nowrap;font-weight:600}.kv__value--positive{color:var(--pos)}.kv__value--negative{color:var(--neg)}.field-group{border-top:1px solid var(--ink-200);background:var(--ink-050)}.field-group__title{letter-spacing:.1em;text-transform:uppercase;color:var(--ink-500);padding:9px var(--space-4) 2px;font-size:11px;font-weight:700}.field-group .input-row{background:var(--ink-050)}@media (width<=560px){.input-row{gap:var(--space-2);flex-wrap:wrap}.input-row__label,.input-row__field{flex:100%}.segmented{width:100%}.segmented__options{flex-wrap:wrap;width:100%;display:flex}.segmented__option{flex:auto;min-width:0}.segmented__option span{text-align:center;white-space:normal;text-wrap:balance;width:100%;padding:8px 6px}.chart__legend li{grid-template-columns:12px minmax(0,1fr) auto}.chart__legend-share{display:none}}.chart>*,.formula,.example{min-width:0}.chart__bar-value{font-family:var(--font-mono);fill:var(--ink-900);font-variant-numeric:tabular-nums;font-size:11px;font-weight:700}.dual{gap:var(--space-2);flex:0 0 267px;display:flex}.dual__field{flex:auto;align-items:center;display:flex;position:relative}.dual__field--pct{flex:0 0 92px}@media (width<=560px){.dual{flex:100%}}.btn-header{color:var(--brass);border:1px solid var(--brass);min-height:30px;font-family:var(--font-body);letter-spacing:.06em;text-transform:uppercase;cursor:pointer;white-space:nowrap;background:0 0;border-radius:20px;justify-content:center;align-items:center;padding:3px 12px;font-size:10.5px;font-weight:700;display:inline-flex}.btn-header:hover{background:var(--brass);color:var(--on-brass)}.header-action{align-items:center;gap:1px;display:inline-flex}.header-action .tip__button{margin-left:2px}.calc-card__header .tip__button{color:var(--brass);border:1px solid var(--brass);background:0 0}.calc-card__header .tip__button:hover{background:var(--brass);color:var(--on-brass)}.verdict{background:var(--chrome);color:var(--on-chrome);border-top:3px solid var(--brass);padding:var(--space-4);text-align:center}.verdict__label{letter-spacing:.12em;text-transform:uppercase;color:var(--brass);font-size:11px;font-weight:700}.verdict__value{font-family:var(--font-mono);font-variant-numeric:tabular-nums;margin:var(--space-2) 0 var(--space-1);font-size:clamp(1.9rem,6vw,2.6rem);font-weight:700;line-height:1.1}.verdict__value--positive{color:var(--on-chrome-pos)}.verdict__value--negative{color:var(--on-chrome-neg)}.verdict__note{color:var(--on-chrome-muted);font-size:12.5px}.result-rows{background:var(--ink-200);border-top:1px solid var(--ink-200);gap:1px;display:grid}.result-row{background:var(--tile-bg);padding:9px var(--space-4);display:block}.result-row__main{justify-content:space-between;align-items:center;gap:var(--space-3);display:flex}.result-row:not(.result-row--inline){column-gap:var(--space-3);grid-template-columns:minmax(0,1fr) auto;align-items:center;display:grid}.result-row:not(.result-row--inline) .result-row__main{display:contents}.result-row:not(.result-row--inline) .result-row__head,.result-row:not(.result-row--inline) .result-row__sub{grid-column:1}.result-row:not(.result-row--inline) .result-row__value{grid-area:1/2/span 2;align-self:center}.result-row__head{flex-wrap:wrap;flex:auto;align-items:center;gap:3px 7px;min-width:0;display:flex}.result-row--lead{background:var(--brand-tint)}.result-row__label{font-size:var(--fs-label);letter-spacing:.06em;text-transform:uppercase;color:var(--ink-500);flex:auto;align-items:center;min-width:0;font-weight:700;display:flex}.result-row__value{font-family:var(--font-mono);font-variant-numeric:tabular-nums;color:var(--ink-900);text-align:right;white-space:nowrap;flex:none;font-size:17px;font-weight:700}.result-row--lead .result-row__value{color:var(--brand-dk);font-size:19px}.result-row__value--positive{color:var(--pos)}.result-row__value--negative,.result-row--lead .result-row__value--negative{color:var(--neg)}.result-row__note{color:var(--ink-500);text-transform:none;letter-spacing:0;font-size:11.5px;font-weight:400}.result-row__sub{align-items:center;gap:var(--space-2);flex-wrap:wrap;margin-top:3px;display:flex}.compare-grid{align-items:stretch}.compare-grid>.calc-card{flex-direction:column;display:flex}.compare-grid>.calc-card>.calc-card__body{flex:auto}.compare-grid .input-row__field{flex:0 0 152px}.compare-grid input[type=date].field{padding-left:6px;padding-right:4px}.compare-grid input[type=date].field::-webkit-calendar-picker-indicator{width:15px;margin-inline-start:2px;padding:0}.compare-grid .input-row{min-height:47px;padding-top:7px;padding-bottom:7px}.compare-grid .result-row{padding-top:8px;padding-bottom:8px}.compare-grid .input-row__label{line-height:1.25}@media (width<=560px){.compare-grid .input-row__field{flex:100%}.compare-grid .input-row{min-height:0}}.btn-header[aria-pressed=true]{background:var(--brass);color:var(--on-brass)}.btn-header:before{content:"";opacity:.35;vertical-align:middle;background:currentColor;border-radius:50%;width:6px;height:6px;margin-right:6px;display:inline-block}.btn-header[aria-pressed=true]:before{opacity:1}.field[readonly]{background:var(--ink-100);color:var(--ink-700);cursor:not-allowed;border-style:dashed}.fee-grid{display:grid}@media (width>=760px){.fee-grid{grid-template-rows:repeat(3,auto);grid-template-columns:1.25fr .75fr;grid-auto-flow:column}.fee-grid>:nth-child(-n+3){border-right:1px solid var(--ink-100)}.fee-grid>:nth-child(3),.fee-grid>:nth-child(6){border-bottom:none}.fee-grid .input-row{flex-wrap:nowrap;align-items:center;min-height:56px}.fee-grid .input-row__label{flex:auto;min-width:0}.fee-grid .dual{gap:var(--space-2);flex:0 0 226px}.fee-grid .dual__field{flex:auto}.fee-grid .dual__field--pct{flex:0 0 78px}.fee-grid .input-row__field{flex:0 0 110px}}.input-row__aside{flex:none;align-items:center;display:flex}.segmented--sm .segmented__options{gap:1px;padding:1px}.segmented--sm .segmented__option span{letter-spacing:.05em;padding:3px 8px;font-size:10.5px}.collapse--card{border:1px solid var(--ink-200);border-radius:var(--radius);box-shadow:var(--shadow-card);overflow:hidden}.collapse--card>summary{background:var(--chrome);color:var(--brass);border-bottom:2px solid var(--brass);box-sizing:border-box;min-height:40px;padding:8px var(--space-4);letter-spacing:.11em;text-transform:uppercase;justify-content:space-between;align-items:center;gap:var(--space-3);font-size:11px;font-weight:700;display:flex}.collapse--card>summary:hover{background:var(--chrome-3)}.collapse--card>summary:focus-visible{outline:2px solid var(--brass);outline-offset:-3px}.collapse--card[open]>summary{border-bottom:2px solid var(--brass)}.collapse--card>.calc-card__body:empty{display:none}.uw{gap:var(--space-3);display:grid}:is(.uw,[data-tool-slug=mortgage-calculator],[data-tool-slug=amortization-schedule]) .calc-card__body{padding-top:6px;padding-bottom:6px}:is(.uw,[data-tool-slug=mortgage-calculator],[data-tool-slug=amortization-schedule]) .input-row{min-height:40px;padding-top:6px;padding-bottom:6px}:is(.uw,[data-tool-slug=mortgage-calculator],[data-tool-slug=amortization-schedule]) .input-row__label{line-height:1.25}.uw .result-row,.uw .uw-actions{padding-top:6px;padding-bottom:6px}.uw .subhead{padding-top:7px;padding-bottom:7px}.uw .result-row__main{min-height:22px}.uw .result-row--control{background:var(--bar-tint);border-top:1px solid var(--ink-200);border-bottom:1px solid var(--ink-200);padding-top:7px;padding-bottom:7px}.uw .result-row--control .result-row__label{color:var(--ink-700);letter-spacing:.09em}@media (width<=560px){.uw .input-row{flex-wrap:wrap;min-height:0}.uw .input-row__field{flex:100%}.uw .input-row__aside{flex:0 auto;min-width:0}.segmented--sm{width:auto}.segmented--sm .segmented__options{width:auto;display:inline-flex}.segmented--sm .segmented__option{flex:none}.segmented--sm .segmented__option span{text-overflow:clip;width:auto;padding:4px 8px;overflow:visible}}.fold{grid-template-rows:0fr;transition:grid-template-rows .22s;display:grid}.fold>*{min-height:0;overflow:hidden}.fold.is-open{grid-template-rows:1fr}@media (prefers-reduced-motion:reduce){.fold{transition:none}}.fold-toggle{border:1px dashed var(--ink-200);min-height:32px;font-family:var(--font-body);letter-spacing:.06em;text-transform:uppercase;color:var(--brand);cursor:pointer;white-space:nowrap;background:0 0;border-radius:20px;align-items:center;gap:6px;padding:4px 11px;font-size:11px;font-weight:700;display:inline-flex}.fold-toggle:hover{border-color:var(--brand);background:var(--brand-tint)}.fold-toggle:focus-visible{outline:2px solid var(--brand);outline-offset:2px}.fold-toggle__sign{font-size:13px;line-height:1}.fold-toggle[aria-expanded=true]{border-style:solid;border-color:var(--brand);background:var(--brand-tint)}.fold-toggle[aria-expanded=true] .fold-toggle__sign:before{content:"−"}.fold-toggle[aria-expanded=false] .fold-toggle__sign:before{content:"+"}.uw-actions{gap:var(--space-2);padding:var(--space-2) var(--space-4);border-bottom:1px solid var(--ink-100);flex-wrap:wrap;display:flex}.subhead{justify-content:space-between;align-items:center;gap:var(--space-3);padding:8px var(--space-4);background:var(--bar-tint);border-top:1px solid var(--ink-200);border-bottom:1px solid var(--ink-200);flex-wrap:wrap;display:flex}.subhead__title{letter-spacing:.09em;text-transform:uppercase;color:var(--ink-700);font-size:11px;font-weight:700}.modal{width:min(560px, calc(100vw - 2 * var(--space-4)));border:1px solid var(--ink-200);border-radius:var(--radius);background:var(--white);color:var(--ink-700);padding:0;box-shadow:0 12px 40px #10182038}.modal::backdrop{background:#10182073}.modal__head{justify-content:space-between;align-items:center;gap:var(--space-3);padding:10px var(--space-4);background:var(--chrome);color:var(--brass);border-bottom:2px solid var(--brass);flex-wrap:wrap;display:flex}.modal__title{letter-spacing:.09em;text-transform:uppercase;margin:0;font-size:12px;font-weight:700}.modal__body{max-height:60vh;overflow-y:auto}.modal__foot{justify-content:space-between;align-items:center;gap:var(--space-3);padding:var(--space-3) var(--space-4);border-top:1px solid var(--ink-200);background:var(--ink-050);flex-wrap:wrap;display:flex}.modal__total{align-items:baseline;gap:var(--space-2);font-size:var(--fs-label);letter-spacing:.06em;text-transform:uppercase;color:var(--ink-500);font-weight:700;display:flex}.modal__total-value{font-family:var(--font-mono);font-variant-numeric:tabular-nums;color:var(--ink-900);font-size:17px;font-weight:700}.modal__total-note{text-transform:none;letter-spacing:0;font-size:11.5px;font-weight:400}.modal__actions{gap:var(--space-2);margin-left:auto;display:flex}.btn:focus-visible{outline:2px solid var(--brand);outline-offset:2px}@media (width<=560px){.modal__foot{flex-direction:column;align-items:stretch}.modal__actions{margin-left:0}.modal__actions .btn{flex:1 1 0}.uw .result-row__note{display:none}}.dual--leverage{gap:var(--space-2);flex:0 0 296px}.dual--leverage .dual__field{flex:1 1 0;min-width:0}.dual__cap{pointer-events:none;letter-spacing:.06em;text-transform:uppercase;color:var(--ink-500);font-size:10px;font-weight:700;position:absolute;left:10px}.dual--leverage .field{padding-left:44px}@media (width<=560px){.dual--leverage{flex:100%}}.field--solved{background:var(--bar-tint);border-color:var(--brand);color:var(--brand-dk)}.solved-badge{letter-spacing:.07em}.dual--leverage .field--wide-cap{padding-left:52px}.uw--solver .dual--leverage{flex:0 0 360px}@media (width<=560px){.uw--solver .dual--leverage{flex:100%}}.matrix__controls{justify-content:space-between;align-items:center;gap:var(--space-3);padding:7px var(--space-4);border-bottom:1px solid var(--ink-100);display:flex}.matrix__controls-label{font-size:var(--fs-label);letter-spacing:.09em;text-transform:uppercase;color:var(--ink-700);align-items:center;gap:2px;font-weight:700;display:flex}.matrix__controls .segmented,.matrix__controls .segmented__options{width:auto}.matrix__controls .segmented__option{flex:none}@media (width<=560px){.matrix__controls{flex-wrap:wrap}.matrix__controls .segmented,.matrix__controls .segmented__options{width:100%}.matrix__controls .segmented__option{flex:1 1 0}}.matrix{border-collapse:collapse;width:100%}.matrix thead th{background:var(--bar-tint);border-bottom:1px solid var(--ink-200);padding:7px var(--space-4);font-size:var(--fs-label);letter-spacing:.09em;text-transform:uppercase;color:var(--ink-700);text-align:right;font-weight:700}.matrix thead th:first-child{text-align:left}.matrix tbody tr{border-bottom:1px solid var(--ink-100)}.matrix tbody tr:last-child{border-bottom:none}.matrix__metric{text-align:left;color:var(--ink-900);padding:6px var(--space-4);font-size:14px;font-weight:500}.matrix__metric>span{display:inline}.matrix tbody td{padding:6px var(--space-4);width:178px}.matrix__field{align-items:center;display:flex;position:relative}.matrix__box{box-sizing:border-box;background:var(--ink-050);border:1px solid var(--ink-200);border-radius:var(--radius-sm);height:38px;line-height:36px;font-family:var(--font-mono);font-variant-numeric:tabular-nums;color:var(--ink-500);text-align:right;white-space:nowrap;padding:0 11px;font-size:16px;font-weight:700;display:block;overflow:hidden}.matrix__box--solved{background:var(--bar-tint);border-color:var(--brand);color:var(--brand-dk)}.matrix__status{padding:7px var(--space-4);border-top:1px solid var(--ink-100);color:var(--ink-500);font-size:12.5px}@media (width<=620px){.matrix thead{clip:rect(0 0 0 0);width:1px;height:1px;position:absolute;overflow:hidden}.matrix,.matrix tbody{display:block}.matrix tbody tr{gap:var(--space-2);padding:6px var(--space-4);grid-template-columns:1fr 1fr;display:grid}.matrix__metric,.matrix tbody td{width:auto;padding:0}.matrix__metric{grid-column:1/-1}.matrix tbody td:before{content:attr(data-col);letter-spacing:.07em;text-transform:uppercase;color:var(--ink-500);margin-bottom:2px;font-size:10px;font-weight:700;display:block}}@media (width<=420px){.matrix tbody tr{grid-template-columns:1fr}}.tool-layout__main:has(.uw--solver) .tool-head__deck,.tool-head h1{min-height:2lh}.presets{background:var(--ink-200);border-top:1px solid var(--ink-200);gap:1px;display:grid}@media (width>=700px){.presets{grid-template-columns:1fr 1fr}}.preset{padding:10px var(--space-4);background:var(--white);text-align:left;cursor:pointer;font-family:var(--font-body);border:0;border-left:3px solid #0000;flex-direction:column;gap:3px;display:flex}.preset:hover{background:var(--brand-tint)}.preset:focus-visible{outline:2px solid var(--brand);outline-offset:-2px}.preset--active{background:var(--bar-tint);border-left-color:var(--brand)}.preset__head{align-items:baseline;gap:3px var(--space-2);flex-wrap:wrap;display:flex}.preset__title{color:var(--ink-900);font-size:13.5px;font-weight:700;line-height:1.3}.preset__solves{letter-spacing:.05em;text-transform:uppercase;color:var(--brand);background:var(--brand-tint);border-radius:20px;padding:2px 7px;font-size:10.5px;font-weight:700}.preset--active .preset__solves{background:var(--white)}.preset__note{color:var(--ink-500);font-size:12px;line-height:1.4}.control-bar{align-items:center;gap:var(--space-3) var(--space-5);padding:8px var(--space-4);background:var(--bar-tint);border-top:1px solid var(--ink-200);border-bottom:1px solid var(--ink-200);flex-wrap:wrap;display:flex}.control-bar__group{align-items:center;gap:var(--space-2);min-width:0;display:flex}.control-bar__label{letter-spacing:.07em;text-transform:uppercase;color:var(--ink-500);white-space:nowrap;font-size:10.5px;font-weight:700}.matrix__callout{padding:8px var(--space-4) 0;color:var(--ink-500);max-width:78ch;font-size:13px}.matrix-grid__corner{text-align:left}@media (width<=620px){.control-bar{align-items:stretch;gap:var(--space-2);flex-direction:column}.control-bar__group{flex-direction:column;align-items:flex-start;gap:3px}.control-bar__group .segmented{width:100%}}.result-row--binding{background:var(--binding-tint);box-shadow:inset 3px 0 0 var(--warn)}.consent{z-index:60;background:var(--chrome);color:var(--on-chrome);border-top:2px solid var(--brass);position:fixed;bottom:0;left:0;right:0;box-shadow:0 -4px 24px #10182047}.consent__inner{max-width:1240px;padding:var(--space-3) var(--space-4);justify-content:space-between;align-items:center;gap:var(--space-3) var(--space-5);flex-wrap:wrap;margin:0 auto;display:flex}.consent__title{letter-spacing:.06em;text-transform:uppercase;color:var(--brass);margin:0 0 2px;font-size:13px;font-weight:700}.consent__text{color:var(--on-chrome-soft);max-width:78ch;margin:0;font-size:13px}.consent__text a{color:var(--on-chrome)}.consent__actions{gap:var(--space-2);flex-wrap:wrap;display:flex}.consent .btn{color:var(--on-chrome);border-color:var(--chrome-btn-line);background:0 0}.consent .btn:hover{background:var(--chrome-2);border-color:var(--on-chrome)}.consent .btn--primary{background:var(--brass);border-color:var(--brass);color:var(--on-brass)}.consent .btn--primary:hover{background:var(--brass-hover);border-color:var(--brass-hover);color:var(--on-brass)}@media (width<=700px){.consent__inner{flex-direction:column;align-items:stretch}.consent__actions .btn{flex:1 1 0;justify-content:center}}body:has(.consent:not([hidden])) .site-footer{padding-bottom:120px}.glossary{gap:0;margin:0;display:grid}.glossary__item{padding:var(--space-4) 0;border-bottom:1px solid var(--ink-100)}.glossary__item:last-child{border-bottom:none}.glossary dt{color:var(--ink-900);align-items:baseline;gap:var(--space-2);flex-wrap:wrap;margin-bottom:4px;font-size:17px;font-weight:700;display:flex}.glossary__also{color:var(--ink-500);text-transform:none;letter-spacing:0;font-size:12px;font-weight:600}.glossary dd{color:var(--ink-700);max-width:72ch;margin:0}.deep-dive{gap:var(--space-3);display:grid}.deep-dive h3{color:var(--ink-900);margin-top:var(--space-2);font-size:17px;font-weight:700}.deep-dive p,.deep-dive li{max-width:72ch;color:var(--ink-700)}.deep-dive ul,.deep-dive ol{padding-left:var(--space-5);gap:6px;display:grid}.deep-dive .table-wrap{margin:var(--space-2) 0}.deep-dive .callout{background:var(--ink-050);border-left:3px solid var(--brand);border-radius:0 var(--radius-sm) var(--radius-sm) 0;padding:var(--space-3) var(--space-4)}.deep-dive ul strong{color:var(--ink-900)}.benchmark caption{caption-side:top;text-align:left;padding:0 0 var(--space-2);color:var(--ink-500);font-size:12.5px}.benchmark tbody th{text-align:left;color:var(--ink-900);border-bottom:1px solid var(--ink-100);background:var(--ink-050);padding:7px 10px;font-weight:600}.benchmark__range{font-family:var(--font-mono);font-variant-numeric:tabular-nums;white-space:nowrap;font-weight:700}.benchmark__note{color:var(--ink-500);text-align:left!important}.home{gap:var(--space-6);padding-bottom:var(--space-7);display:grid}.why{margin-top:var(--space-4)}.hero{background:var(--chrome);border-bottom:3px solid var(--brass);padding:var(--space-5) var(--space-4)}.hero__inner{gap:var(--space-5);max-width:1240px;margin:0 auto;display:grid}.hero__lede,.hero__aside{gap:var(--space-3);align-content:center;display:grid}.hero__aside{gap:var(--space-4)}@media (width>=1024px){.hero{padding-block:var(--space-6)}.hero__inner{gap:var(--space-6);grid-template-columns:repeat(12,minmax(0,1fr));align-items:center}.hero__lede{grid-column:span 7}.hero__aside,.quick{grid-column:span 5}}.hero__eyebrow{color:var(--brass);font-family:var(--font-mono);letter-spacing:.14em;text-transform:uppercase;margin:0;font-size:11.5px;font-weight:600}.hero h1{color:var(--on-chrome);letter-spacing:-.02em;max-width:20ch;margin:0;font-size:clamp(1.9rem,4.6vw,3rem);font-weight:700;line-height:1.08}.hero__deck{color:var(--on-chrome-soft);max-width:62ch;margin:0;font-size:clamp(1rem,1.6vw,1.2rem);line-height:1.5}.hero__actions{align-items:center;gap:var(--space-3) var(--space-5);margin-top:var(--space-2);flex-wrap:wrap;display:flex}.hero__cta{border-radius:var(--radius-sm);border:1px solid var(--brass);background:var(--brass);color:var(--on-brass);letter-spacing:.02em;align-items:center;gap:8px;padding:11px 20px;font-size:14px;font-weight:700;text-decoration:none;display:inline-flex}.hero__cta:hover{background:var(--brass-hover);border-color:var(--brass-hover)}.hero__link{color:var(--on-chrome-soft);padding:6px 0;font-size:14px;font-weight:600;display:inline-block}.hero__link:hover{color:var(--on-chrome)}.suite,.why{max-width:1240px;padding:0 var(--space-4);box-sizing:border-box;width:100%;margin:0 auto}.suite__head{margin-bottom:var(--space-4);gap:6px;display:grid}.suite__head h2{color:var(--ink-900);letter-spacing:-.01em;margin:0;font-size:1.35rem;font-weight:700}.suite__head p{color:var(--ink-500);max-width:72ch;margin:0}.quick{gap:var(--space-3);background:var(--white);color:var(--ink-900);border:1px solid var(--chrome-line);border-top:3px solid var(--brass);border-radius:var(--radius);padding:var(--space-4);align-content:start;display:grid;box-shadow:0 10px 30px #00000040}.quick__title{color:var(--ink-900);margin:0;font-size:1.05rem;font-weight:700}.quick .input-row{background:0 0;border:0;padding:0}.quick .input-pair{gap:var(--space-3);border:0}.quick__result{padding:var(--space-3);background:var(--brand-tint);border-radius:var(--radius-sm);gap:2px;display:grid}.quick__label{letter-spacing:.08em;text-transform:uppercase;color:var(--ink-700);font-size:11.5px;font-weight:700}.quick__value{font-family:var(--font-mono);color:var(--brand-dk);font-size:clamp(1.6rem,3.4vw,2rem);font-weight:700;line-height:1.15}.quick__note{color:var(--ink-700);font-size:13px}.quick__more{color:var(--brand);font-size:14px;font-weight:600}.tasks{max-width:1240px;padding:0 var(--space-4);box-sizing:border-box;gap:var(--space-5);width:100%;scroll-margin-top:calc(var(--header-height) + var(--space-3));margin:0 auto;display:grid}.tasks__col{display:contents}@media (width>=900px){.tasks{grid-template-columns:repeat(2,minmax(0,1fr));align-items:start}.tasks__col{gap:var(--space-5);display:grid}}.task{background:var(--white);border:1px solid var(--ink-200);border-top:3px solid var(--ink-900);border-radius:var(--radius);box-shadow:var(--shadow-card);overflow:hidden}.task__head{padding:var(--space-4) var(--space-4) var(--space-3);gap:4px;display:grid}.task__head h2{color:var(--ink-900);letter-spacing:-.01em;margin:0;font-size:1.2rem;font-weight:700}.task__head p{color:var(--ink-500);margin:0;font-size:14px}.task__list{margin:0;padding:0;list-style:none}.task__item{align-items:center;gap:var(--space-3);border-top:1px solid var(--ink-200);padding:var(--space-3) var(--space-4);display:flex;position:relative}.task__item:hover{background:var(--ink-050)}.task__link{color:inherit;flex:1;gap:2px;text-decoration:none;display:grid}.task__link:after{content:"";position:absolute;inset:0}.task__link:focus-visible{outline:none}.task__item:focus-within{outline:2px solid var(--brand);outline-offset:-2px}.task__name{color:var(--ink-900);font-size:15px;font-weight:700}.task__q{color:var(--ink-700);font-size:14px;line-height:1.4}.task__arrow{color:var(--brass-ink);font-weight:700;transition:transform .15s}.task__item:hover .task__arrow{transform:translate(3px)}.task__item:hover .task__name{color:var(--brand)}.why__grid{gap:var(--space-4);display:grid}@media (width>=760px){.why__grid{grid-template-columns:repeat(3,minmax(0,1fr))}}.pillar{padding:var(--space-4);background:var(--ink-050);border:1px solid var(--ink-200);border-radius:var(--radius);border-left:3px solid var(--brass);gap:6px;display:grid}.pillar h3{color:var(--ink-900);margin:0;font-size:15px;font-weight:700}.pillar p{color:var(--ink-700);margin:0;font-size:13.5px;line-height:1.5}.why__byline{margin:var(--space-4) 0 0;color:var(--ink-500);gap:var(--space-2);flex-wrap:wrap;font-size:13px;display:flex}.field-note{padding:var(--space-3) var(--space-4);color:var(--warn);border-top:1px solid var(--ink-200);margin:0;font-size:13px}.field-note:empty{display:none}.ir-flows{margin:var(--space-4) 0}#ir-cf-card,.site-footer h2.site-footer__sub{margin-top:var(--space-4)}.tool-layout__rail-sticky{gap:var(--space-4);display:grid}.rail-card{background:var(--white);border:1px solid var(--ink-200);border-top:3px solid var(--ink-900);border-radius:var(--radius);box-shadow:var(--shadow-card);padding:var(--space-3) var(--space-4) var(--space-4)}.rail-card__title{margin:0 0 var(--space-2);letter-spacing:.08em;text-transform:uppercase;color:var(--ink-500);font-size:12px;font-weight:700}.rail-card__note{margin:var(--space-2) 0 0;color:var(--ink-500);font-size:12.5px}.rail-sum{margin:0;display:grid}.rail-sum__row{justify-content:space-between;align-items:baseline;gap:var(--space-3);border-bottom:1px solid var(--ink-200);padding:8px 0;display:flex}.rail-sum__row:first-child{padding-top:2px}.rail-sum__row[hidden]{display:none}.rail-sum dt{color:var(--ink-700);font-size:14px}.rail-sum dd{font-family:var(--font-mono);color:var(--ink-900);text-align:right;white-space:nowrap;margin:0;font-size:15px;font-weight:700}.rail-sum__row:first-child dd{color:var(--brand-dk);font-size:18px}.rail-next{margin:0;padding:0;list-style:none;display:grid}.rail-next li+li{border-top:1px solid var(--ink-200)}.rail-next a{gap:2px;padding:9px 0;text-decoration:none;display:grid}.rail-next span{color:var(--ink-900);font-size:14px;font-weight:600}.rail-next small{color:var(--ink-500);font-size:13px;line-height:1.35}.rail-next a:hover span{color:var(--brand)}.table-wrap{border:1px solid var(--ink-200);border-radius:var(--radius);background:var(--white);overflow:hidden}.table-scroll{max-height:640px;overflow:auto}.data-table{border-collapse:collapse;width:100%;font-size:var(--fs-table);min-width:520px}.data-table thead th{z-index:2;background:var(--chrome);color:var(--on-chrome);letter-spacing:.06em;text-transform:uppercase;padding:8px var(--space-2);text-align:right;white-space:nowrap;font-size:10px;font-weight:600;position:sticky;top:0}.data-table thead th:first-child,.data-table tbody td:first-child{text-align:left}.data-table tbody td{padding:6px var(--space-2);text-align:right;border-bottom:1px solid var(--ink-100);font-family:var(--font-mono);font-variant-numeric:tabular-nums;color:var(--ink-700);white-space:nowrap}.data-table tbody tr:nth-child(2n) td{background:var(--row-alt)}.data-table tbody tr:hover td{background:var(--brand-tint)}.data-table tbody tr:last-child td{border-bottom:none}.data-table tr.is-subtotal td{color:var(--ink-900);border-top:1px solid var(--ink-200);border-bottom:1px solid var(--ink-200);font-weight:700;background:var(--ink-100)!important}.data-table tr.is-balloon td{color:var(--warn);font-weight:700;background:var(--warn-tint)!important}.table-foot{gap:var(--space-2) var(--space-4);padding:var(--space-2) var(--space-4);border-top:1px solid var(--ink-200);background:var(--ink-050);color:var(--ink-500);flex-wrap:wrap;justify-content:space-between;align-items:center;font-size:13px;display:flex}.btn{background:var(--white);height:34px;color:var(--brand-dk);border:1px solid var(--ink-200);border-radius:var(--radius-sm);font-family:var(--font-body);cursor:pointer;align-items:center;gap:6px;padding:0 14px;font-size:13.5px;font-weight:600;text-decoration:none;display:inline-flex}.btn:hover{border-color:var(--brand);background:var(--brand-tint)}.btn--primary{background:var(--brand);border-color:var(--brand);color:var(--white)}.btn--primary:hover{background:var(--brand-dk);border-color:var(--brand-dk);color:var(--white)}.cell-value{display:block}.cell-note{letter-spacing:.04em;color:var(--ink-500);margin-top:1px;font-size:10.5px;font-weight:600;display:block}.matrix-grid__corner .cell-note{color:var(--ink-500-on-dark)}.matrix-grid tbody th{text-align:left;font-family:var(--font-mono);font-variant-numeric:tabular-nums;font-size:var(--fs-table);color:var(--ink-900);background:var(--ink-050);border-bottom:1px solid var(--ink-200);white-space:nowrap;padding:7px 10px;font-weight:700}.matrix-grid thead th.is-base-col{color:var(--brass)}.matrix-grid tbody tr.is-base-row th{background:var(--bar-tint);color:var(--brand-dk)}.matrix-grid tbody tr.is-base-row td{background:var(--bar-tint)}.matrix-grid tbody tr td.is-base-cell,.matrix-grid tbody tr.is-base-row td.is-base-cell,.matrix-grid tbody tr:hover td.is-base-cell,.matrix-grid tbody tr.is-base-row:hover td.is-base-cell{background:var(--brand);color:var(--white);box-shadow:inset 0 0 0 1px var(--brand-dk);font-weight:700}.table-scroll:focus-visible{outline:2px solid var(--brand);outline-offset:2px}@media print{.site-header,.site-footer,.ad,.crumbs,.related,.nav,.skip-link{display:none!important}body{color:#000;background:#fff;font-size:11pt}.tool-layout,.tool-layout__main{max-width:none;padding:0;display:block}.calc-card,.table-wrap,.faq__item{box-shadow:none;break-inside:avoid;border-color:#999}.calc-card__header{border-bottom:2px solid #000;color:#000!important;background:#fff!important}.table-scroll{max-height:none;overflow:visible}.data-table thead{display:table-header-group}.data-table thead th{border-bottom:1px solid #000;color:#000!important;background:#fff!important}.data-table tbody tr{break-inside:avoid}.faq__item[open] .faq__answer,details[open]>:not(summary){display:block!important}a[href^=http]:after{content:" (" attr(href) ")";color:#555;font-size:9pt}}