:root{font-optical-sizing:auto;font-synthesis:none;color:#1d1d1f;background:#f5f5f7;font-family:system-ui,-apple-system,BlinkMacSystemFont,Hiragino Kaku Gothic ProN,Yu Gothic,sans-serif;line-height:1.6}*{box-sizing:border-box}body{margin:0}a{color:inherit}[hidden]{display:none!important}a:focus-visible,button:focus-visible,select:focus-visible,input:focus-visible{outline-offset:4px;outline:3px solid #0071e3}.calculation-focus,form input,form select{scroll-margin-top:140px}.calculation-focus:focus-visible{outline-offset:6px;border-radius:4px;outline:3px solid #0071e3}header{z-index:10;backdrop-filter:blur(20px)saturate(150%);background:#fafafce0;border:0;align-items:center;gap:28px;max-width:none;padding:1rem max(1.5rem,50vw - 568px);display:flex;position:sticky;top:0;box-shadow:0 6px 24px #00000006}.brand{white-space:nowrap;align-items:center;gap:.65rem;font-size:1.2rem;font-weight:700;text-decoration:none;display:flex}.brand small{letter-spacing:.16em;color:#65656c;font-size:.55rem;display:block}nav{gap:1.25rem;margin-left:auto;font-size:.85rem;display:flex}nav a{color:#1d1d1f;align-items:center;min-height:44px;text-decoration:none;transition:color .14s;display:flex}nav a:hover{color:#214d3c}.badge,.label{color:#465649;background:#e9ece9;border-radius:999px;padding:.4rem .75rem;font-size:11px}main{max-width:1200px;margin:auto;padding:5rem 32px 6rem}.eyebrow{letter-spacing:.13em;color:#50635a;font-size:.7rem;font-weight:600}h1{letter-spacing:-.035em;margin:20px 0;font-size:clamp(2.2rem,4.6vw,3.9rem);font-weight:700;line-height:1.3}h2{letter-spacing:-.025em;font-size:1.7rem}p{color:#626269;line-height:1.85}.hero{grid-template-columns:1.2fr 1fr;align-items:center;gap:4rem;margin-bottom:6rem;display:grid}.hero p{max-width:550px;margin-bottom:2rem}.button,button{color:#fff;min-height:44px;font:inherit;cursor:pointer;touch-action:manipulation;background:#245b45;border:0;border-radius:999px;padding:.8rem 1.4rem;font-size:.9rem;text-decoration:none;transition:background-color .14s,transform .14s;display:inline-block}.button:hover,button:hover{background:#194a36}.button:active,button:active{transition:transform 80ms;transform:scale(.97)}.figure{background:linear-gradient(145deg,#eaf0e8,#e0e8df);border-radius:1.8rem;min-height:260px;padding:2.5rem}.bars{align-items:end;gap:1.5rem;height:160px;margin:15px 0;display:flex}.bar{background:#6c8866;border-radius:.5rem .5rem 0 0;width:23%;height:45%}.bar:nth-child(2){background:#365d46;height:70%}.bar:nth-child(3){background:#b2c498;height:95%}.section-top{justify-content:space-between;align-items:center;gap:1rem;display:flex}.grid{grid-template-columns:repeat(3,1fr);gap:1.25rem;display:grid}.card{background:#fff;border:0;border-radius:1.4rem;flex-direction:column;min-height:230px;padding:1.8rem;text-decoration:none;transition:transform .18s,box-shadow .18s;display:flex;box-shadow:0 2px 8px #00000006}.card h3{letter-spacing:-.02em;font-size:1.15rem;line-height:1.6}.card small{color:#65656c}.card .link{color:#245b45;margin-top:auto;font-size:13px;font-weight:500}.card:active{transform:scale(.985)}@media (hover:hover){.card:hover{transform:translateY(-3px);box-shadow:0 12px 32px #0001}}#cards{scroll-margin-top:7rem}.note{font-size:.85rem}.error{color:#a03223;font-size:.85rem}.back{font-size:13px}.detail{max-width:800px}.simulator{grid-template-columns:1fr 1fr;gap:32px;margin-top:32px;display:grid}.panel{background:#fff;border:0;border-radius:1.5rem;padding:2rem}label{color:#44444b;margin:0 0 1.3rem;font-size:.85rem;display:block}input{width:100%;font:inherit;background:#fafafa;border:1px solid #b7b7bd;border-radius:.75rem;min-height:48px;margin-top:8px;padding:.8rem;font-size:1rem;display:block}input:focus{outline:2px solid #577b51}input[aria-invalid=true]{border-color:#b42318}.result{color:#fff;background:#214d3c;position:sticky;top:7rem}.result p{color:#d8e3cf}.amount{letter-spacing:-.04em;font-variant-numeric:tabular-nums;font-size:clamp(2.1rem,4vw,3.1rem);font-weight:600}dl{grid-template-columns:1fr auto;gap:18px;font-size:.9rem;display:grid}dd{margin:0}table{border-collapse:collapse;width:100%}th,td{text-align:left;border-bottom:1px solid #dce2d6;padding:18px}footer{border-top:1px solid #dedee3;max-width:1200px;margin:auto;padding:2.5rem 32px 40px}footer small{color:#65656c}@media (width<=750px){header{flex-wrap:wrap;gap:.5rem;padding:.75rem 1.25rem}nav{-webkit-overflow-scrolling:touch;scrollbar-width:none;order:3;gap:.75rem;width:100%;margin:0;display:flex;overflow-x:auto}nav::-webkit-scrollbar{display:none}nav a{white-space:nowrap;padding:0 .25rem;font-size:.825rem}.badge{margin-left:auto}main{padding:2.5rem 1.25rem 4rem}.hero,.simulator{grid-template-columns:1fr;gap:2rem}.grid{grid-template-columns:1fr}.hero{margin-bottom:3.5rem}.figure{min-height:200px;padding:1.8rem}h1{letter-spacing:-1px}.panel{padding:1.5rem}.result{position:static}.amount{font-size:34px}.card{min-height:190px}.brand{font-size:1.1rem}.section-top h2{font-size:1.4rem}}@media (prefers-reduced-motion:reduce){*,:before,:after{scroll-behavior:auto!important;transition:none!important;animation:none!important}.card:hover,.card:active,.button:active,button:active{transform:none}}@media (prefers-reduced-transparency:reduce){header{backdrop-filter:none;background:#fafafc}}@media (prefers-contrast:more){header{backdrop-filter:none;background:#fff;border-bottom:1px solid #1d1d1f}.card,.panel{border:1px solid #626269}p,.note,.card small,footer small{color:#34343a}.result p{color:#fff}}.skip-link{z-index:100;background:#fff;padding:1rem;position:fixed;top:-80px;left:1rem}.skip-link:focus{top:1rem}.footer-links{flex-wrap:wrap;gap:1.5rem;margin-bottom:1.5rem;font-size:.875rem;display:flex}.journal-intro{max-width:760px;margin-bottom:3rem}.journal-intro h1{font-size:clamp(2rem,4.5vw,3.5rem)}.journal-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:1.25rem;display:grid}.article-card{background:#fff;border:1px solid #e1e4df;border-radius:1.1rem;flex-direction:column;text-decoration:none;transition:border-color .15s,transform .15s;display:flex;overflow:hidden}.article-card-content{flex-direction:column;flex:1;padding:1.75rem;display:flex}.article-visual{background:#edf0e9;border:1px solid #dfe5da;border-radius:1rem;margin:2rem 0;overflow:hidden}.article-visual-heading{color:#526259;letter-spacing:.06em;padding:1.25rem 1.5rem 0;font-size:.75rem;font-weight:600}.article-visual-cards{justify-content:center;gap:1.5rem;padding:1.5rem;display:flex}.article-visual-card{text-align:center;flex:1;min-width:0;max-width:280px}.article-visual-image{justify-content:center;align-items:center;height:180px;display:flex}.article-visual-image img{object-fit:contain;filter:drop-shadow(0 6px 7px #183b3218);width:auto;max-width:100%;height:auto;max-height:100%;display:block}.article-visual-name{color:#283f32;overflow-wrap:anywhere;margin-top:.9rem;font-size:.8rem;font-weight:600;line-height:1.6;display:block}.article-visual figcaption{color:#526259;background:#f7f8f4;border-top:1px solid #dfe5da;padding:1rem 1.5rem;font-size:.7rem;line-height:1.9}.article-visual figcaption a{text-underline-offset:3px;overflow-wrap:anywhere}.article-visual figcaption p{font-size:inherit;color:inherit;margin:0 0 .5rem}.article-visual figcaption small{font-size:inherit;margin-top:.25rem;display:block}.article-visual--thumbnail{border:0;border-bottom:1px solid #e1e4df;border-radius:0;margin:0}.article-visual--thumbnail .article-visual-cards{gap:.75rem;padding:1.5rem 1.25rem 1.1rem}.article-visual--thumbnail .article-visual-image{height:116px}.article-visual--thumbnail .article-visual-name{margin-top:.65rem;font-size:.65rem;line-height:1.5}@media (width<=600px){.article-card .article-card-content{padding:1.5rem}.article-visual-cards{flex-wrap:wrap;gap:1rem;padding:1.25rem 1rem}.article-visual--hero .article-visual-card{flex-basis:calc(50% - .5rem);max-width:240px}.article-visual--hero .article-visual-image{height:120px}.article-visual--hero .article-visual-card:only-child .article-visual-image{height:150px}.article-visual--hero .article-visual-name{font-size:.72rem}.article-visual-heading{padding:1rem 1rem 0}.article-visual figcaption{padding:.85rem 1rem}.article-visual--thumbnail .article-visual-cards{flex-wrap:nowrap}}.article-card:hover{border-color:#245b45;transform:translateY(-2px)}.article-meta{color:#526259;flex-wrap:wrap;justify-content:space-between;gap:.5rem 1rem;font-size:.75rem;display:flex}.article-card h3{letter-spacing:-.02em;margin:1.25rem 0 .6rem;font-size:1.25rem;line-height:1.7}.article-card p{margin:0 0 1.5rem;font-size:.9375rem}.article-card-link{color:#245b45;justify-content:space-between;margin-top:auto;font-size:.875rem;font-weight:600;display:flex}.topic-links{flex-wrap:wrap;gap:.75rem;margin:2rem 0;display:flex}.topic-links a{background:0 0;border:1px solid #cbd4cd;border-radius:999px;padding:.6rem 1.1rem;font-size:.875rem;text-decoration:none}.topic-links a[aria-current=page]{color:#fff;background:#214d3c;border-color:#214d3c}.reading-section{margin:4.5rem 0}.reading-section .section-top{margin-bottom:1.3rem}.section-top>a{text-underline-offset:4px;font-size:.9rem}.tool-feature{background:#e7ede8;border-radius:1.5rem;grid-template-columns:1.2fr 1fr;gap:2rem;margin:3rem 0;padding:2.5rem;display:grid}.tool-feature h2{margin:.5rem 0}.tool-feature p{margin-bottom:1.5rem}.formula{border-left:2px solid #638571;align-self:center;padding-left:2rem;font-size:1.2rem;line-height:2}.formula small{color:#526259;font-size:.85rem;display:block}.breadcrumbs{color:#626269;flex-wrap:wrap;gap:.5rem;margin-bottom:2rem;font-size:.875rem;display:flex}.breadcrumbs a{text-underline-offset:3px}.article-shell{grid-template-columns:minmax(0,760px) minmax(210px,1fr);column-gap:4rem;display:grid}.article-header,.article-body{grid-column:1;min-width:0}.article-header h1{margin:1.25rem 0;font-size:clamp(2rem,3.5vw,2.85rem);line-height:1.55}.article-header .description{font-size:1.1rem}.article-byline{color:#626269;flex-wrap:wrap;gap:.5rem 1.25rem;font-size:.875rem;display:flex}.takeaway{background:#e8eee9;border-left:3px solid #245b45;border-radius:0 .75rem .75rem 0;margin:2rem 0;padding:1.5rem}.takeaway strong{color:#245b45;font-size:.875rem}.takeaway p{color:#283f32;margin:.5rem 0 0}.prose{font-size:1rem;line-height:2}.prose h2{margin:3rem 0 1rem;scroll-margin-top:7rem;font-size:1.5rem}.prose h3{margin-top:2rem;font-size:1.15rem}.prose p,.prose li{color:#404749}.prose li{margin:.5rem 0}.prose a{text-underline-offset:3px;overflow-wrap:anywhere}.prose a:not(.button){color:#245b45}.prose strong{color:#1d1d1f}.prose table{font-size:.9375rem}.prose th,.prose td{padding:.9rem .6rem}.prose blockquote{border-left:3px solid #a8bbae;margin:1.5rem 0;padding-left:1.25rem}.article-sidebar{grid-area:1/2/3;align-self:start;position:sticky;top:7rem}.article-sidebar h2{margin:0 0 1rem;font-size:.9rem}.article-sidebar ol{padding-left:1.25rem;font-size:.875rem}.article-sidebar li{margin:1rem 0}.article-sidebar li.toc-sub{margin:.5rem 0 .5rem 1.25rem;font-size:.8rem;list-style-type:circle}.article-sidebar a{color:#526259;line-height:1.8;text-decoration:none}.article-sidebar a:hover{text-decoration:underline}.source-list{background:#fff;border:1px solid #e1e4df;border-radius:1rem;margin-top:3rem;padding:1.5rem}.source-list h2{margin:0 0 1rem;font-size:1.125rem}.source-list ul{padding-left:1.25rem}.source-list li{margin:1rem 0;font-size:.9rem}.source-list small{color:#626269;margin-top:.25rem;display:block}.article-cta{color:#fff;background:#214d3c;border-radius:1.25rem;margin:2.5rem 0;padding:1.75rem}.article-cta h2{color:#fff;margin-top:0;font-size:1.4rem}.article-cta p{color:#e1ebde}.article-cta .button{color:#214d3c;background:#fff}.tool-intro{max-width:760px}.tool-intro h1{font-size:clamp(2rem,4vw,3rem)}.tool-intro p{font-size:1rem}.field-pair{grid-template-columns:1fr 1fr;gap:1rem;display:grid}.result .result-heading{color:#e1ebde;font-size:.9rem}.result .result-value{letter-spacing:-.03em;color:#fff;margin:1rem 0;font-size:clamp(1.75rem,3vw,2.6rem);font-weight:700;line-height:1.5}.result .result-explanation{font-size:.9rem}.result hr{border:0;border-top:1px solid #779687;margin:1.5rem 0}.result dt{color:#e1ebde}.result dd{text-align:right}.form-legend{color:#214d3c;margin-bottom:1rem;font-size:1rem;font-weight:600}.tool-form fieldset{border:0;margin:0 0 1rem;padding:0}.tool-form label{font-size:.9rem}.tool-form .note{margin-top:0}@media (width<=950px){.journal-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.article-shell{display:block}.article-sidebar{border-bottom:1px solid #dce2d6;margin-bottom:1.5rem;padding-bottom:1rem;position:static}.article-sidebar ol{flex-wrap:wrap;gap:.4rem 1.75rem;margin:0;display:flex}.article-sidebar li{margin:.25rem 0}.article-sidebar li.toc-sub{margin:.25rem 0;list-style-type:none}}@media (width<=600px){.journal-grid{grid-template-columns:1fr}.article-card-content{padding:1.5rem}.tool-feature{grid-template-columns:1fr;gap:1rem;padding:1.5rem}.formula{padding-left:1rem}.reading-section{margin:3rem 0}.section-top{align-items:baseline}.field-pair{grid-template-columns:1fr}.article-meta{font-size:.8rem}.article-header h1{font-size:1.9rem}.article-byline,.prose table{font-size:.8rem}.prose th,.prose td{padding:.6rem .35rem}nav{flex-wrap:wrap}.badge{font-size:.75rem}}.prose .article-table-scroll{max-width:100%;overflow-x:auto}.prose .article-table-scroll table{min-width:720px}.affiliate-cta-box{background:#fff;border:2px solid #245b45;border-radius:1rem;margin:2.5rem 0;padding:1.5rem;box-shadow:0 4px 14px #183b3214}.affiliate-cta-header{border-bottom:1px solid #edf0e9;justify-content:space-between;align-items:center;margin-bottom:1rem;padding-bottom:.75rem;display:flex}.affiliate-cta-title{color:#183b32;margin:0;font-size:1.15rem;font-weight:700}.affiliate-cta-badge{color:#245b45;letter-spacing:.04em;background:#e8eee9;border-radius:4px;padding:.2rem .6rem;font-size:.75rem;font-weight:700}.affiliate-cta-main{grid-template-columns:130px 1fr;align-items:center;gap:1.5rem;margin-bottom:1.25rem;display:grid}.affiliate-cta-image{justify-content:center;align-items:center;height:95px;display:flex}.affiliate-cta-image img{object-fit:contain;filter:drop-shadow(0 4px 6px #0000001f);width:auto;max-width:100%;height:auto;max-height:100%}.affiliate-cta-points{color:#333e38;margin:0;padding:0;font-size:.875rem;line-height:1.75;list-style:none}.affiliate-cta-points li{margin:.35rem 0;padding-left:1.35rem;position:relative}.affiliate-cta-points li:before{content:"✓";color:#245b45;font-weight:700;position:absolute;left:0}.affiliate-cta-action{text-align:center;margin-top:1rem}.affiliate-cta-btn{text-align:center;box-sizing:border-box;background:#245b45;border-radius:.6rem;justify-content:center;align-items:center;width:100%;padding:.95rem 1.5rem;font-size:1.05rem;font-weight:700;transition:background .15s,transform .15s;display:flex;box-shadow:0 4px 10px #245b4538;color:#fff!important;text-decoration:none!important}.affiliate-cta-btn:hover{background:#1b4534;transform:translateY(-1px);color:#fff!important}.affiliate-cta-subtext{color:#627267;text-align:center;margin-top:.5rem;font-size:.75rem;display:block}@media (width<=600px){.affiliate-cta-box{padding:1.25rem}.affiliate-cta-main{grid-template-columns:1fr;gap:1rem}.affiliate-cta-image{height:80px;margin-bottom:.25rem}.affiliate-cta-btn{padding:.85rem 1rem;font-size:1rem}}.advisor-container{background:#f8faf6;border:1px solid #dce4d9;border-radius:1.25rem;margin:2.5rem 0;padding:2rem;box-shadow:0 6px 20px #183b320f}.advisor-header{margin-bottom:1.75rem}.advisor-header h2{color:#183b32;margin:.25rem 0 .5rem;font-size:1.45rem}.advisor-header p{color:#526259;margin:0;font-size:.925rem}.advisor-progress-bar{background:#e2e8df;border-radius:999px;height:6px;margin-top:1.25rem;overflow:hidden}.advisor-progress-fill{background:#245b45;width:33%;height:100%;transition:width .25s}.advisor-step{display:none}.advisor-step.active{animation:.2s advisorFadeIn;display:block}@keyframes advisorFadeIn{0%{opacity:0;transform:translateY(4px)}to{opacity:1;transform:translateY(0)}}.advisor-question-title{color:#183b32;margin-bottom:1rem;font-size:1.15rem;font-weight:700}.advisor-options-grid{grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:.85rem;margin-bottom:1.5rem;display:grid}.advisor-option-btn{cursor:pointer;text-align:left;font:inherit;background:#fff;border:2px solid #cbd5cb;border-radius:.85rem;flex-direction:column;align-items:flex-start;padding:1.1rem 1.25rem;transition:all .15s;display:flex}.advisor-option-btn:hover{background:#f4f7f3;border-color:#245b45}.advisor-option-btn.selected{background:#edf4ee;border-color:#245b45;box-shadow:0 0 0 1px #245b45}.advisor-option-title{color:#183b32;margin-bottom:.25rem;font-size:.95rem;font-weight:700}.advisor-option-desc{color:#627267;font-size:.8rem;line-height:1.5}.advisor-actions{justify-content:space-between;align-items:center;margin-top:1rem;display:flex}.advisor-back-btn{color:#526259;cursor:pointer;background:0 0;border:none;padding:.5rem .75rem;font-size:.875rem;text-decoration:underline}.advisor-next-btn{color:#fff;cursor:pointer;background:#245b45;border:none;border-radius:.5rem;padding:.75rem 1.5rem;font-size:.95rem;font-weight:700;transition:background .15s}.advisor-next-btn:hover{background:#1b4534}.advisor-next-btn:disabled{cursor:not-allowed;background:#cbd5cb}.advisor-result-panel{background:#fff;border:2px solid #245b45;border-radius:1rem;margin-top:1.5rem;padding:2rem;display:none;box-shadow:0 6px 18px #245b451a}.advisor-result-panel.active{animation:.25s advisorFadeIn;display:block}.advisor-result-badge{color:#fff;background:#245b45;border-radius:4px;margin-bottom:.75rem;padding:.3rem .75rem;font-size:.75rem;font-weight:700;display:inline-block}.advisor-result-title{color:#183b32;margin:0 0 .75rem;font-size:1.35rem;line-height:1.5}.advisor-result-summary{color:#333e38;margin-bottom:1.5rem;font-size:.95rem;line-height:1.8}.advisor-pair-grid{grid-template-columns:1fr 1fr;gap:1.25rem;margin-bottom:2rem;display:grid}.advisor-card-box{background:#fafbf8;border:1px solid #dce4d9;border-radius:.85rem;flex-direction:column;padding:1.25rem;display:flex}.advisor-card-role{color:#245b45;margin-bottom:.5rem;font-size:.75rem;font-weight:700}.advisor-card-main-info{align-items:center;gap:1rem;margin-bottom:.75rem;display:flex}.advisor-card-thumb{object-fit:contain;width:80px;height:50px}.advisor-card-name{color:#183b32;margin:0;font-size:1.05rem;font-weight:700}.advisor-card-detail{color:#526259;margin:.25rem 0;font-size:.825rem;line-height:1.6}.advisor-card-official-btn{color:#245b45;text-align:center;background:#fff;border:1.5px solid #245b45;border-radius:.5rem;margin-top:auto;padding:.65rem 1rem;font-size:.85rem;font-weight:700;text-decoration:none;transition:all .15s;display:inline-block}.advisor-card-official-btn:hover{color:#fff;background:#245b45}.advisor-guide-section{border-top:1px solid #edf0e9;margin-top:1.75rem;padding-top:1.5rem}.advisor-guide-heading{color:#183b32;margin-bottom:1rem;font-size:1.1rem}.advisor-guide-table{border-collapse:collapse;width:100%;font-size:.85rem}.advisor-guide-table th{color:#183b32;text-align:left;background:#edf4ee;border-bottom:2px solid #cbd5cb;padding:.75rem .6rem;font-weight:700}.advisor-guide-table td{vertical-align:middle;color:#333e38;border-bottom:1px solid #e2e8df;padding:.85rem .6rem}.advisor-guide-table tr:hover td{background:#fafbf8}.advisor-reset-btn{color:#526259;cursor:pointer;background:0 0;border:1px solid #cbd5cb;border-radius:.5rem;margin-top:1.5rem;padding:.6rem 1.2rem;font-size:.85rem;display:inline-block}.advisor-reset-btn:hover{color:#183b32;background:#edf4ee}@media (width<=750px){.advisor-container{padding:1.25rem}.advisor-options-grid,.advisor-pair-grid{grid-template-columns:1fr}.advisor-guide-table{font-size:.8rem}.advisor-guide-table th,.advisor-guide-table td{padding:.6rem .4rem}}