@import "https://fonts.googleapis.com/css2?family=Newsreader:ital,opsz,wght@0,6..72,400;0,6..72,500;0,6..72,600;0,6..72,700;1,6..72,400;1,6..72,500&family=Hanken+Grotesk:wght@400;500;600;700;800&family=JetBrains+Mono:wght@400;500;600&display=swap";.masthead[data-astro-cid-nen7h5rs]{border-bottom:2px solid var(--ink);background:var(--paper)}.masthead__top[data-astro-cid-nen7h5rs]{border-bottom:1px solid var(--hairline);font-family:var(--mono);text-transform:uppercase;letter-spacing:.1em;color:var(--ink-mute);justify-content:space-between;align-items:center;gap:1rem;padding-block:.4rem;font-size:.7rem;display:flex}.masthead__strap[data-astro-cid-nen7h5rs]{display:none}.masthead__sub[data-astro-cid-nen7h5rs]{color:#fff;background:var(--wire);border:1px solid var(--wire);border-radius:var(--radius);white-space:nowrap;padding:.45em .8em;font-weight:700;text-decoration:none;transition:background .15s}.masthead__sub[data-astro-cid-nen7h5rs]:hover{background:var(--wire-dark);border-color:var(--wire-dark);color:#fff}.masthead__brand[data-astro-cid-nen7h5rs]{grid-template-columns:44px 1fr 44px;align-items:center;padding-block:.6rem .5rem;display:grid}.masthead__brand[data-astro-cid-nen7h5rs] .logo[data-astro-cid-nen7h5rs]{grid-column:2;justify-self:center}.masthead__brand-spacer[data-astro-cid-nen7h5rs]{grid-column:3}.logo[data-astro-cid-nen7h5rs]{align-items:baseline;gap:.08em;text-decoration:none;display:inline-flex}.logo__mark[data-astro-cid-nen7h5rs]{font-family:var(--display);color:var(--wire);letter-spacing:-.02em;font-size:clamp(1.9rem,1.4rem + 3vw,3.4rem);font-weight:700}.logo__word[data-astro-cid-nen7h5rs]{font-family:var(--display);color:var(--ink);letter-spacing:-.02em;font-size:clamp(1.9rem,1.4rem + 3vw,3.4rem);font-weight:600}.masthead__toggle[data-astro-cid-nen7h5rs]{cursor:pointer;width:44px;height:44px;color:var(--ink);background:0 0;border:0;grid-column:1;justify-content:center;align-items:center;padding:0;display:inline-flex}.masthead__toggle-bars[data-astro-cid-nen7h5rs],.masthead__toggle-bars[data-astro-cid-nen7h5rs]:before,.masthead__toggle-bars[data-astro-cid-nen7h5rs]:after{content:"";background:currentColor;border-radius:2px;width:22px;height:2px;transition:transform .2s,opacity .2s;display:block}.masthead__toggle-bars[data-astro-cid-nen7h5rs]{position:relative}.masthead__toggle-bars[data-astro-cid-nen7h5rs]:before{position:absolute;top:-7px;left:0}.masthead__toggle-bars[data-astro-cid-nen7h5rs]:after{position:absolute;top:7px;left:0}.masthead__toggle[data-astro-cid-nen7h5rs][aria-expanded=true] .masthead__toggle-bars[data-astro-cid-nen7h5rs]{background:0 0}.masthead__toggle[data-astro-cid-nen7h5rs][aria-expanded=true] .masthead__toggle-bars[data-astro-cid-nen7h5rs]:before{transform:translateY(7px)rotate(45deg)}.masthead__toggle[data-astro-cid-nen7h5rs][aria-expanded=true] .masthead__toggle-bars[data-astro-cid-nen7h5rs]:after{transform:translateY(-7px)rotate(-45deg)}.masthead__nav[data-astro-cid-nen7h5rs]{border-top:1px solid var(--hairline);flex-direction:column;display:none}.masthead__nav[data-astro-cid-nen7h5rs].is-open{display:flex}.masthead__link[data-astro-cid-nen7h5rs]{font-family:var(--body);text-transform:uppercase;letter-spacing:.06em;color:var(--ink-soft);border-bottom:1px solid var(--hairline);align-items:center;min-height:48px;font-size:.95rem;font-weight:600;text-decoration:none;display:flex}.masthead__link[data-astro-cid-nen7h5rs]:last-child{border-bottom:0}.masthead__link[data-astro-cid-nen7h5rs]:hover,.masthead__link[data-astro-cid-nen7h5rs].is-active{color:var(--ink)}.masthead__link--accent[data-astro-cid-nen7h5rs]{color:var(--wire)}@media (width<=759px){.masthead[data-astro-cid-nen7h5rs]{z-index:100;position:sticky;top:0}}@media (width>=700px){.masthead__strap[data-astro-cid-nen7h5rs]{display:inline}}@media (width>=760px){.masthead__toggle[data-astro-cid-nen7h5rs],.masthead__brand-spacer[data-astro-cid-nen7h5rs]{display:none}.masthead__brand[data-astro-cid-nen7h5rs]{text-align:center;padding-block:1.1rem .7rem;display:block}.masthead__nav[data-astro-cid-nen7h5rs]{border-top:0;flex-flow:wrap;justify-content:center;gap:.2rem 1.4rem;padding-block:.6rem .9rem;display:flex}.masthead__link[data-astro-cid-nen7h5rs]{border-bottom:2px solid #0000;min-height:0;padding-bottom:2px;font-size:.82rem;display:inline-block}.masthead__link[data-astro-cid-nen7h5rs]:last-child{border-bottom:2px solid #0000}.masthead__link[data-astro-cid-nen7h5rs].is-active{border-bottom-color:var(--wire)}}.foot[data-astro-cid-jo6i4kqk]{border-top:2px solid var(--ink);background:var(--paper-2);margin-top:4rem}.foot__grid[data-astro-cid-jo6i4kqk]{grid-template-columns:1fr;gap:2rem;padding-block:2.6rem 2rem;display:grid}.foot__logo[data-astro-cid-jo6i4kqk]{font-family:var(--display);font-size:1.7rem;font-weight:700}.foot__tag[data-astro-cid-jo6i4kqk]{font-family:var(--display);color:var(--ink-soft);margin:.3rem 0 .7rem;font-style:italic}.foot__pub[data-astro-cid-jo6i4kqk]{color:var(--ink-mute);margin:0;font-size:.82rem}.foot__col[data-astro-cid-jo6i4kqk]{flex-direction:column;gap:.45rem;display:flex}.foot__col[data-astro-cid-jo6i4kqk] h4[data-astro-cid-jo6i4kqk]{font-family:var(--mono);text-transform:uppercase;letter-spacing:.12em;color:var(--ink-mute);margin:0 0 .4rem;font-size:.72rem;font-weight:600}.foot__col[data-astro-cid-jo6i4kqk] a[data-astro-cid-jo6i4kqk]{color:var(--ink-soft);font-size:.9rem;text-decoration:none}.foot__col[data-astro-cid-jo6i4kqk] a[data-astro-cid-jo6i4kqk]:hover{color:var(--wire)}.foot__legal[data-astro-cid-jo6i4kqk]{border-top:1px solid var(--hairline);font-family:var(--mono);color:var(--ink-mute);text-transform:uppercase;letter-spacing:.08em;flex-wrap:wrap;justify-content:space-between;gap:.5rem 1rem;padding-block:1.1rem;font-size:.72rem;display:flex}.foot__links[data-astro-cid-jo6i4kqk] a[data-astro-cid-jo6i4kqk]{color:var(--navy);text-decoration:none}.foot__links[data-astro-cid-jo6i4kqk] a[data-astro-cid-jo6i4kqk]:hover{color:var(--wire)}@media (width>=760px){.foot__grid[data-astro-cid-jo6i4kqk]{grid-template-columns:2fr 1fr 1fr}}.consent[data-astro-cid-u6s5b3h2]{z-index:100;background:var(--paper);border:1px solid var(--hairline-strong);border-radius:var(--radius);flex-wrap:wrap;align-items:center;gap:.75rem 1rem;max-width:30rem;margin-inline:auto;padding:1rem 1.15rem;display:flex;position:fixed;bottom:1rem;left:1rem;right:1rem;box-shadow:0 10px 34px #16181d29}.consent[data-astro-cid-u6s5b3h2][hidden]{display:none}.consent__text[data-astro-cid-u6s5b3h2]{font-size:var(--step--1);color:var(--ink-soft);flex:14rem;margin:0;line-height:1.5}.consent__text[data-astro-cid-u6s5b3h2] a[data-astro-cid-u6s5b3h2]{color:var(--navy)}.consent__text[data-astro-cid-u6s5b3h2] a[data-astro-cid-u6s5b3h2]:hover{color:var(--wire)}.consent__actions[data-astro-cid-u6s5b3h2]{flex:none;gap:.5rem;display:flex}.consent__actions[data-astro-cid-u6s5b3h2] .btn[data-astro-cid-u6s5b3h2]{padding:.55em 1.15em;font-size:.7rem}:root{--paper:#f7f4ec;--paper-2:#f1ece0;--ink:#16181d;--ink-soft:#3d4048;--ink-mute:#6c6f78;--navy:#1b2a4a;--navy-soft:#2c3f66;--wire:#e4572e;--wire-dark:#c2401c;--hairline:#d9d3c4;--hairline-strong:#b8b0a0;--display:"Newsreader", Georgia, "Times New Roman", serif;--body:"Hanken Grotesk", system-ui, sans-serif;--mono:"JetBrains Mono", ui-monospace, monospace;--step--1:clamp(.78rem, .75rem + .15vw, .86rem);--step-0:clamp(1rem, .96rem + .2vw, 1.08rem);--step-1:clamp(1.2rem, 1.1rem + .4vw, 1.4rem);--step-2:clamp(1.5rem, 1.3rem + .8vw, 1.95rem);--step-3:clamp(1.9rem, 1.5rem + 1.6vw, 2.9rem);--step-4:clamp(2.4rem, 1.7rem + 3vw, 4.4rem);--measure:68ch;--gutter:clamp(1rem, .6rem + 2vw, 2.5rem);--max:1240px;--radius:3px}*{box-sizing:border-box}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}body{background-color:var(--paper);color:var(--ink);font-family:var(--body);font-size:var(--step-0);-webkit-font-smoothing:antialiased;text-rendering:optimizelegibility;background-image:radial-gradient(circle at 18% 12%,#e4572e0a,#0000 42%),radial-gradient(circle at 92% 8%,#1b2a4a0d,#0000 45%);margin:0;font-weight:400;line-height:1.65}h1,h2,h3,h4{font-family:var(--display);letter-spacing:-.012em;color:var(--ink);margin:0 0 .4em;font-weight:600;line-height:1.08}h1{font-size:var(--step-4)}h2{font-size:var(--step-3)}h3{font-size:var(--step-2)}a{color:var(--navy);text-underline-offset:.18em;text-decoration-thickness:1px}a:hover{color:var(--wire)}p{margin:0 0 1.1em}img{max-width:100%;height:auto;display:block}hr{border:0;border-top:1px solid var(--hairline);margin:2.5rem 0}.wrap{max-width:var(--max);padding-inline:var(--gutter);margin-inline:auto}.kicker{font-family:var(--mono);font-size:var(--step--1);text-transform:uppercase;letter-spacing:.14em;color:var(--wire);font-weight:500}.eyebrow-link{font-family:var(--mono);text-transform:uppercase;letter-spacing:.12em;color:var(--navy);font-size:.72rem;font-weight:600;text-decoration:none}.eyebrow-link:hover{color:var(--wire)}.rule-top{border-top:2px solid var(--ink)}.rule-top-thin{border-top:1px solid var(--hairline)}.btn{font-family:var(--body);font-weight:700;font-size:var(--step--1);letter-spacing:.02em;text-transform:uppercase;border-radius:var(--radius);cursor:pointer;border:1.5px solid var(--ink);background:var(--ink);color:var(--paper);align-items:center;gap:.5em;padding:.7em 1.3em;text-decoration:none;transition:transform .15s,background .15s,color .15s;display:inline-flex}.btn:hover{background:var(--wire);border-color:var(--wire);color:#fff;transform:translateY(-1px)}.btn--ghost{color:var(--ink);background:0 0}.btn--ghost:hover{background:var(--ink);color:var(--paper)}.tag{font-family:var(--mono);text-transform:uppercase;letter-spacing:.1em;border:1px solid var(--hairline-strong);color:var(--ink-soft);border-radius:100px;padding:.25em .6em;font-size:.68rem;text-decoration:none;display:inline-block}.tag:hover{border-color:var(--wire);color:var(--wire)}.sr-only{clip:rect(0,0,0,0);white-space:nowrap;border:0;width:1px;height:1px;margin:-1px;padding:0;position:absolute;overflow:hidden}a:focus-visible,button:focus-visible{outline:2px solid var(--wire);outline-offset:2px;border-radius:2px}.skip-link{z-index:200;background:var(--ink);color:var(--paper);border-radius:var(--radius);font-family:var(--body);padding:.6em 1em;font-weight:600;text-decoration:none;transition:top .15s;position:absolute;top:-3rem;left:.5rem}.skip-link:focus{top:.5rem}@media (prefers-reduced-motion:no-preference){.reveal{opacity:0;animation:.7s cubic-bezier(.2,.7,.2,1) forwards reveal;transform:translateY(14px)}.reveal:nth-child(2){animation-delay:80ms}.reveal:nth-child(3){animation-delay:.16s}.reveal:nth-child(4){animation-delay:.24s}}@keyframes reveal{to{opacity:1;transform:none}}.prose{max-width:720px;padding-top:2rem;padding-bottom:1rem}.prose .page__head{padding-top:1.4rem}.prose h1{font-size:var(--step-3);margin:.4rem 0 .6rem}.prose h2{font-size:var(--step-1);margin-top:2rem}.prose .lede{font-family:var(--display);font-style:italic;font-size:var(--step-1);color:var(--ink-soft);line-height:1.45}.prose p,.prose li{color:var(--ink-soft)}.prose a{color:var(--navy)}.prose a:hover{color:var(--wire)}.prose ul{padding-left:1.2rem}.prose li{margin-bottom:.4em}.prose .fine{color:var(--ink-mute);font-size:.85rem}.calc{max-width:var(--max);padding-top:1.5rem}.calc .crumbs{font-family:var(--mono);text-transform:uppercase;letter-spacing:.08em;color:var(--ink-mute);flex-wrap:wrap;gap:.5rem;margin-bottom:1.2rem;font-size:.72rem;display:flex}.calc .crumbs a{color:var(--navy);text-decoration:none}.calc .crumbs a:hover{color:var(--wire)}.calc__head{max-width:720px;padding-top:1.4rem}.calc__title{font-size:var(--step-3);margin:.4rem 0 .7rem;line-height:1.08}.calc__intro{color:var(--ink-soft);max-width:65ch}.calc__intro--fine{color:var(--ink-mute);font-size:.92rem}.calc__app{grid-template-columns:1fr;gap:1.4rem;margin:2rem 0 2.6rem;display:grid}.calc__panel-h{font-size:var(--step-1);margin:0 0 1.1rem}.calc__inputs{background:var(--paper);border:1px solid var(--hairline);border-radius:var(--radius);padding:1.5rem 1.5rem 1.7rem}.field{margin-bottom:1.1rem}.field:last-child{margin-bottom:0}.field label{margin-bottom:.4rem;font-size:.95rem;font-weight:600;display:block}.field__opt{color:var(--ink-mute);font-weight:400}.field__wrap{border:1.5px solid var(--ink);border-radius:var(--radius);background:#fff;align-items:center;display:flex;overflow:hidden}.field__wrap:focus-within{outline:2px solid var(--wire);outline-offset:1px}.field__wrap>span{color:var(--ink-mute);font-family:var(--mono);padding:0 .7em;font-size:.95rem}.field__wrap--money>span{border-right:1px solid var(--hairline)}.field__wrap--pct>span{border-left:1px solid var(--hairline)}.field__wrap input,.field__wrap select{width:100%;font-family:var(--body);font-size:var(--step-0);color:var(--ink);background:0 0;border:0;flex:auto;padding:.6em .7em}.field__wrap input:focus,.field__wrap select:focus{outline:none}.field__help{color:var(--ink-mute);margin:.35rem 0 0;font-size:.8rem}.field--check{align-items:flex-start;gap:.55rem;display:flex}.field--check input{margin-top:.2rem}.field--check label{margin:0;font-weight:400}.calc__results-inner{background:var(--navy);color:var(--paper);border-radius:var(--radius);border-left:5px solid var(--wire);padding:1.5rem 1.5rem 1.7rem}.calc__results .calc__panel-h{color:#fff}.calc__out{margin:0}.calc__out-row{border-bottom:1px solid #f7f4ec24;justify-content:space-between;align-items:baseline;gap:1rem;padding:.6rem 0;display:flex}.calc__out-row dt{color:#c9d3e8;margin:0;font-size:.9rem}.calc__out-row dd{font-family:var(--display);font-weight:600;font-size:var(--step-1);color:#fff;white-space:nowrap;margin:0}.calc__out-row--lead dd,.calc__out-row--net dd{color:var(--wire)}.calc__out-row--net{border-bottom:0}.calc__verdict{border-radius:var(--radius);color:var(--paper);background:#f7f4ec14;border:1px solid #f7f4ec2e;margin:1.1rem 0 0;padding:.9rem 1rem;font-size:.92rem;line-height:1.5}.calc__verdict:empty{display:none}.calc__verdict[data-state=positive]{border-color:#78c88c80}.calc__verdict[data-state=negative]{border-color:#e4572e99}.calc__notes{color:#c9d3e8;margin:.8rem 0 0;padding-left:1.1rem;font-size:.85rem}.calc__notes:empty{display:none}.calc__notes li{margin-bottom:.4em}.calc__prose{max-width:720px}.calc__prose h2{font-size:var(--step-2);margin-top:2.2rem}.calc__prose p{margin:0 0 1.1em;line-height:1.7}.calc__prose ul{margin:0 0 1.2em;padding-left:1.3rem}.calc__prose li{margin-bottom:.35em}.calc__caveat{max-width:720px;color:var(--ink-soft);background:var(--paper-2);border:1px solid var(--hairline);border-left:4px solid var(--hairline-strong);border-radius:var(--radius);margin:1.6rem 0 0;padding:.9rem 1.1rem;font-size:.82rem;line-height:1.5}.calc .related{max-width:720px;margin-top:2.4rem;padding-top:1.4rem}.calc .related__h{font-size:var(--step-1);margin-bottom:.6rem}.calc .related__list{padding-left:1.2rem}.calc .related__list li{margin-bottom:.45em}.calc .related__list a{color:var(--navy)}.calc .related__list a:hover{color:var(--wire)}@media (width>=880px){.calc__app{grid-template-columns:1.1fr .9fr;align-items:start}.calc__results{position:sticky;top:1.5rem}}