:root{--bg: #fafaf6;--surface: #ffffff;--surface-2: #f1efe6;--surface-3: #e8e5d8;--ink: #16201b;--ink-2: #3c4942;--ink-3: #7a857e;--ink-4: #a8b0a9;--line: #e2dfd3;--line-2: #d4d0c0;--accent: #1a6d4d;--accent-hover: #155a3f;--accent-soft: #d8ebe0;--accent-soft-2: #ebf3ee;--accent-deep: #0d3d29;--warn: #b54a2e;--warn-soft: #f3dcd0;--highlight: #d9a23c;--max: 1200px;--radius: 12px;--radius-sm: 6px;--shadow-sm: 0 1px 2px rgba(20, 32, 27, .06), 0 1px 1px rgba(20, 32, 27, .04);--shadow-md: 0 4px 14px rgba(20, 32, 27, .07), 0 1px 3px rgba(20, 32, 27, .05);--shadow-lg: 0 18px 40px -12px rgba(20, 32, 27, .18), 0 4px 12px rgba(20, 32, 27, .06)}*{box-sizing:border-box}html{scroll-behavior:smooth}html,body{margin:0;padding:0}body{font-family:Geist,Inter,-apple-system,system-ui,sans-serif;font-size:16px;line-height:1.6;color:var(--ink);background:var(--bg);-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}h1,h2,h3,h4{font-family:"Instrument Serif",Iowan Old Style,Georgia,serif;font-weight:400;letter-spacing:-.01em;line-height:1.05;margin:0 0 .4em;color:var(--ink)}h1{font-size:clamp(2.4rem,4.4vw,3.8rem);letter-spacing:-.02em}h2{font-size:clamp(1.9rem,3vw,2.7rem)}h3{font-size:1.5rem}h4{font-size:1.15rem;font-family:Geist,sans-serif;font-weight:600;letter-spacing:0}p{margin:0 0 1em;max-width:64ch;text-wrap:pretty}strong{font-weight:600;color:var(--ink)}em{font-style:italic}a{color:var(--accent);text-decoration:none;border-bottom:1px solid currentColor}a:hover{color:var(--accent-hover)}button:focus-visible,a:focus-visible,[tabindex]:focus-visible{outline:2px solid var(--accent);outline-offset:2px}@media (prefers-reduced-motion: reduce){*,*:before,*:after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important}}@media print{.topnav,.foot,.btn,.btn-ghost{display:none!important}body{font-size:11pt;color:#000;background:#fff}h1,h2,h3,h4{color:#000}.page,.page-narrow{padding:0;max-width:none}.hero-visual{display:none}a{color:#000;border-bottom:none}.card,.scenario-content,.fin-card{border:1px solid #ccc;box-shadow:none}}.eyebrow{font-family:Geist,sans-serif;font-size:.78rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--accent);margin-bottom:14px;display:inline-block}.lede{font-size:1.2rem;line-height:1.55;color:var(--ink-2);max-width:60ch}.muted{color:var(--ink-3)}.small{font-size:.85rem}.topnav{position:sticky;top:0;z-index:50;background:#fafaf6db;backdrop-filter:saturate(1.1) blur(12px);-webkit-backdrop-filter:saturate(1.1) blur(12px);border-bottom:1px solid var(--line)}.topnav .inner{max-width:var(--max);margin:0 auto;padding:14px 28px;display:flex;align-items:center;gap:28px}.brand{display:flex;align-items:center;gap:10px;font-weight:600;font-size:.95rem;letter-spacing:-.005em;color:var(--ink);cursor:pointer;border:none;background:transparent;padding:0;font-family:inherit}.brand .mark{width:28px;height:28px;background:var(--accent);border-radius:7px;display:grid;place-items:center;color:#fff;flex-shrink:0}.brand .name{line-height:1.1}.brand .sub{display:block;font-size:.72rem;font-weight:400;color:var(--ink-3);letter-spacing:0}.navlinks{display:flex;gap:2px;margin-left:auto;flex-wrap:wrap}.navlink{font:inherit;background:transparent;border:none;padding:8px 14px;border-radius:8px;cursor:pointer;color:var(--ink-2);font-size:.92rem;font-weight:500;transition:all .15s;border-bottom:none!important;text-decoration:none}.navlink:hover{background:var(--surface-2);color:var(--ink)}.navlink.active{background:var(--accent-soft-2);color:var(--accent-deep);font-weight:600}.page{max-width:var(--max);margin:0 auto;padding:60px 28px 120px;animation:fadeUp .35s ease}.page-narrow{max-width:880px;margin:0 auto;padding:60px 28px 120px;animation:fadeUp .35s ease}.page-header{margin-bottom:56px;max-width:760px}.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow-sm)}.card-tint{background:var(--accent-soft-2);border:1px solid var(--accent-soft);border-radius:var(--radius);padding:28px}.card-flat{background:var(--surface-2);border-radius:var(--radius);padding:22px}.grid{display:grid;gap:20px}.grid-2{grid-template-columns:1fr 1fr}.grid-3{grid-template-columns:repeat(3,1fr)}.grid-4{grid-template-columns:repeat(4,1fr)}.grid-asym{grid-template-columns:1.4fr 1fr}@media (max-width: 880px){.grid-2,.grid-3,.grid-4,.grid-asym{grid-template-columns:1fr}}.stat{display:flex;flex-direction:column;gap:2px}.stat .num{font-family:"Instrument Serif",serif;font-size:3rem;line-height:1;color:var(--accent);letter-spacing:-.02em}.stat .num.warn{color:var(--warn)}.stat .num.ink{color:var(--ink)}.stat .num.sm{font-size:2.2rem}.stat .label{font-size:.85rem;color:var(--ink-3);margin-top:6px;max-width:32ch}.btn{display:inline-flex;align-items:center;gap:8px;font:inherit;font-size:.95rem;font-weight:500;padding:11px 20px;border-radius:8px;border:1px solid var(--ink);background:var(--ink);color:#fff;cursor:pointer;transition:all .15s;text-decoration:none!important}.btn:hover{background:var(--accent-deep);border-color:var(--accent-deep);color:#fff}.btn.ghost{background:transparent;color:var(--ink);border-color:var(--line-2)}.btn.ghost:hover{background:var(--surface-2);color:var(--ink)}.btn-icon{display:inline-flex;align-items:center;gap:6px;font-weight:500;font-size:.95rem;color:var(--accent);cursor:pointer;border-bottom:none!important}.btn-icon:hover{color:var(--accent-hover)}.chip{display:inline-flex;align-items:center;gap:6px;font-size:.8rem;font-weight:500;padding:4px 10px;border-radius:99px;background:var(--surface-2);color:var(--ink-2)}.chip.accent{background:var(--accent-soft);color:var(--accent-deep)}.chip.warn{background:var(--warn-soft);color:var(--warn)}.chip-dot{width:6px;height:6px;border-radius:50%;background:var(--accent);display:inline-block}.chip.warn .chip-dot{background:var(--warn)}.section{margin-bottom:80px}.section-head{margin-bottom:28px;display:flex;justify-content:space-between;align-items:end;gap:20px;flex-wrap:wrap}.section-head h2{margin:0}hr.rule{border:none;height:1px;background:var(--line);margin:60px 0}.hero{display:grid;grid-template-columns:1.2fr 1fr;gap:60px;align-items:center;margin-bottom:80px}.hero.hero-single{grid-template-columns:1fr;max-width:72ch}@media (max-width: 880px){.hero{grid-template-columns:1fr;gap:28px}}.hero h1{margin-top:12px}.hero h1 em{font-style:italic;color:var(--accent)}.hero .lede{margin-top:22px}.hero-visual{aspect-ratio:4 / 5;background:linear-gradient(155deg,var(--accent-deep) 0%,var(--accent) 60%,#2a8f6a 100%);border-radius:var(--radius);position:relative;overflow:hidden;box-shadow:var(--shadow-lg)}.hero-visual:after{content:"";position:absolute;top:0;right:0;bottom:0;left:0;background:radial-gradient(800px 400px at 20% 110%,rgba(255,255,255,.18),transparent 60%),radial-gradient(500px 300px at 90% 0%,rgba(0,0,0,.18),transparent 60%)}.hero-visual .visual-content{position:absolute;top:0;right:0;bottom:0;left:0;padding:32px;color:#fff;display:flex;flex-direction:column;justify-content:space-between;z-index:2}.hero-visual .vc-top{font-size:.85rem;opacity:.85;letter-spacing:.08em;text-transform:uppercase}.hero-visual .vc-mid{font-family:"Instrument Serif",serif;font-size:2.2rem;line-height:1.05;letter-spacing:-.02em}.pillar{display:block;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:26px 28px;text-decoration:none!important;color:inherit;transition:all .2s;cursor:pointer;height:100%;border-bottom:1px solid var(--line)!important}.pillar:hover{border-color:var(--accent);transform:translateY(-2px);box-shadow:var(--shadow-md)}.pillar .step{font-size:.75rem;color:var(--ink-3);letter-spacing:.1em;text-transform:uppercase;font-weight:600}.pillar h3{font-family:"Instrument Serif",serif;font-weight:400;margin:8px 0 10px;font-size:1.45rem}.pillar p{color:var(--ink-2);font-size:.95rem;margin:0}.pillar .arrow{margin-top:16px;color:var(--accent);font-size:.95rem;font-weight:500;display:inline-flex;align-items:center;gap:6px}.pillar.muted{background:var(--surface-2)}.pillar.primary{background:var(--ink);color:#fff;border-color:var(--ink)!important}.pillar.primary h3,.pillar.primary p{color:#fff}.pillar.primary .step{color:#fff9}.pillar.primary .arrow{color:#aee0c5}.pillar.primary:hover{background:var(--accent-deep);border-color:var(--accent-deep)!important}.scenario-tabs{display:grid;grid-template-columns:repeat(4,1fr);gap:8px;margin-bottom:28px}@media (max-width: 880px){.scenario-tabs{grid-template-columns:1fr 1fr}}.scenario-tab{text-align:left;font:inherit;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:16px 18px;cursor:pointer;transition:all .15s;display:flex;flex-direction:column;gap:6px;min-height:110px;position:relative}.scenario-tab:hover{border-color:var(--line-2);background:var(--surface-2)}.scenario-tab.active{background:var(--accent-deep);border-color:var(--accent-deep);color:#fff}.scenario-tab.active .st-num,.scenario-tab.active .st-sub{color:#ffffffb3}.scenario-tab .st-num{font-size:.72rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--ink-3)}.scenario-tab .st-title{font-weight:600;font-size:.98rem;line-height:1.25}.scenario-tab .st-sub{font-size:.82rem;color:var(--ink-3);margin-top:auto}.scenario-content{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:40px;box-shadow:var(--shadow-sm)}.scenario-content h3{font-family:"Instrument Serif",serif;font-weight:400;font-size:1.9rem;margin:0 0 18px;letter-spacing:-.01em}.scenario-content .scenario-intro{font-size:1.1rem;color:var(--ink-2);line-height:1.5;max-width:58ch}@media (max-width: 700px){.scenario-content{padding:24px}}.bullet{display:grid;grid-template-columns:22px 1fr;gap:14px;align-items:start;margin-bottom:12px}.bullet .ico{width:22px;height:22px;border-radius:6px;background:var(--accent-soft);color:var(--accent-deep);display:grid;place-items:center;font-size:.75rem;font-weight:700;margin-top:2px}.bullet.neg .ico{background:var(--warn-soft);color:var(--warn)}.bullet p{margin:0;color:var(--ink-2)}.bullet strong{color:var(--ink)}.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:30px;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:32px}@media (max-width: 880px){.calc-grid{grid-template-columns:1fr;padding:22px}}.calc-input{margin-bottom:18px}.calc-input label{display:flex;justify-content:space-between;align-items:baseline;font-size:.85rem;color:var(--ink-2);font-weight:500;margin-bottom:6px}.calc-input .v{font-family:Geist,sans-serif;font-feature-settings:"tnum";font-weight:600;color:var(--ink);font-size:.95rem}.calc-input input[type=range]{-webkit-appearance:none;-moz-appearance:none;appearance:none;width:100%;height:24px;background:transparent;cursor:pointer}.calc-input input[type=range]::-webkit-slider-runnable-track{height:4px;border-radius:99px;background:linear-gradient(to right,var(--accent) var(--p, 50%),var(--surface-3) var(--p, 50%))}.calc-input input[type=range]::-moz-range-track{height:4px;border-radius:99px;background:var(--surface-3)}.calc-input input[type=range]::-moz-range-progress{height:4px;border-radius:99px;background:var(--accent)}.calc-input input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;-moz-appearance:none;appearance:none;width:18px;height:18px;border-radius:50%;background:var(--surface);border:2px solid var(--accent);margin-top:-7px;box-shadow:var(--shadow-sm);cursor:pointer}.calc-input input[type=range]::-moz-range-thumb{width:18px;height:18px;border-radius:50%;background:var(--surface);border:2px solid var(--accent);cursor:pointer}.calc-result{background:var(--surface-2);border-radius:10px;padding:24px;display:flex;flex-direction:column;justify-content:center;gap:18px}.calc-result .row{display:flex;justify-content:space-between;align-items:baseline;padding-bottom:14px;border-bottom:1px dashed var(--line-2)}.calc-result .row:last-child{border-bottom:none;padding-bottom:0}.calc-result .row .lbl{font-size:.9rem;color:var(--ink-2)}.calc-result .row .val{font-family:"Instrument Serif",serif;font-size:1.6rem;color:var(--ink);letter-spacing:-.01em}.calc-result .row.highlight .val{color:var(--accent);font-size:2rem}.calc-result .row.warn .val{color:var(--warn)}.bar-cmp{display:grid;grid-template-columns:70px 1fr 90px;gap:14px;align-items:center;padding:10px 0;font-size:.92rem}.bar-cmp .track{height:12px;background:var(--surface-2);border-radius:99px;position:relative;overflow:hidden}.bar-cmp .fill{position:absolute;left:0;top:0;bottom:0;border-radius:99px;background:var(--accent);transition:width .25s}.bar-cmp .fill.warn{background:var(--warn)}.bar-cmp .val{text-align:right;font-family:Geist,sans-serif;font-feature-settings:"tnum";font-weight:600}.faq-list{display:flex;flex-direction:column;gap:8px}.faq-item{background:var(--surface);border:1px solid var(--line);border-radius:10px;overflow:hidden;transition:border-color .15s}.faq-item[open]{border-color:var(--line-2);box-shadow:var(--shadow-sm)}.faq-item summary{padding:18px 22px;cursor:pointer;font-weight:500;font-size:1.02rem;display:flex;justify-content:space-between;align-items:center;gap:16px;list-style:none;color:var(--ink)}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary:after{content:"";width:10px;height:10px;border-right:1.5px solid var(--ink-2);border-bottom:1.5px solid var(--ink-2);transform:rotate(45deg);transition:transform .2s;flex-shrink:0}.faq-item[open] summary:after{transform:rotate(-135deg)}.faq-item .faq-answer{padding:0 22px 22px;color:var(--ink-2);font-size:.97rem;line-height:1.6}.faq-item .faq-answer p:last-child{margin-bottom:0}.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px 20px}@media (max-width: 880px){.steps{grid-template-columns:1fr 1fr}}@media (max-width: 540px){.steps{grid-template-columns:1fr}}.step{position:relative;padding-top:24px;border-top:2px solid var(--line)}.step.done,.step.active{border-top-color:var(--accent)}.step:before{content:"";position:absolute;top:-7px;left:0;width:12px;height:12px;background:var(--surface);border:2px solid var(--line-2);border-radius:50%}.step.done:before{background:var(--accent);border-color:var(--accent)}.step.active:before{background:var(--accent);border-color:var(--accent);box-shadow:0 0 0 4px var(--accent-soft)}.step.active .what{font-weight:700}.step.done .when{color:var(--accent)}.step:not(.done):not(.active) .when{color:var(--ink-3)}.step .when{font-size:.78rem;font-weight:600;color:var(--accent);letter-spacing:.08em;text-transform:uppercase}.step .what{font-size:.95rem;margin-top:6px;color:var(--ink)}.step .desc{font-size:.85rem;color:var(--ink-3);margin-top:4px}.fin-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:24px;display:flex;flex-direction:column;gap:10px;position:relative}.fin-card h4{margin:0;font-size:1.05rem}.fin-card .tag{position:absolute;top:16px;right:16px;font-size:.72rem;background:var(--surface-2);color:var(--ink-3);padding:3px 9px;border-radius:99px}.fin-card .pros,.fin-card .cons{font-size:.88rem;color:var(--ink-2);padding-left:18px;margin:4px 0}.fin-card .pros li::marker{color:var(--accent)}.fin-card .cons li::marker{color:var(--warn)}.placeholder{border:1.5px dashed var(--line-2);background:var(--surface-2);border-radius:10px;padding:18px 22px;color:var(--ink-3);font-size:.92rem;font-style:italic}.placeholder:before{content:"✱  ";color:var(--accent);font-style:normal;font-weight:700}.foot{border-top:1px solid var(--line);margin-top:60px;padding:32px 28px;text-align:center;font-size:.85rem;color:var(--ink-3)}.foot .inner{max-width:var(--max);margin:0 auto;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:18px}.foot a{color:var(--ink-3);border-bottom:none}.foot a:hover{color:var(--ink)}.skeleton{background:linear-gradient(90deg,var(--surface-2) 25%,var(--surface-3) 50%,var(--surface-2) 75%);background-size:200% 100%;animation:shimmer 1.4s infinite;border-radius:var(--radius)}@keyframes shimmer{0%{background-position:200% 0}to{background-position:-200% 0}}@keyframes fadeUp{0%{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}.hamburger{display:none;background:transparent;border:none;cursor:pointer;padding:6px;color:var(--ink);border-radius:8px;align-items:center;justify-content:center;flex-shrink:0}.hamburger:hover{background:var(--surface-2)}@media (max-width: 640px){.topnav .inner{padding:12px 16px;gap:0;flex-wrap:wrap;align-items:center}.brand{flex:1}.brand .name .sub{display:none}.hamburger{display:flex;margin-left:12px}.navlinks{display:none;width:100%;flex-direction:column;gap:2px;padding:8px 0 4px;border-top:1px solid var(--line);margin-top:10px}.navlinks.open{display:flex}.navlink{padding:10px 12px;font-size:.92rem;border-radius:8px;width:100%;text-align:left}.page,.page-narrow{padding:40px 16px 80px}}