:root{--paper:#fff;--ground:#edf1ef;--ground-2:#e3e9e6;--ink:#0f1c19;--ink-soft:#2e3f3a;--muted:#566661;--line:#cfd8d4;--line-strong:#a9b7b1;--spruce:#1b4d3e;--spruce-2:#15402f;--spruce-3:#0f2e23;--spruce-soft:#dcebe4;--spruce-tint:#eef5f1;--coral:#e4572e;--coral-ink:#b8401d;--coral-soft:#fbe6df;--amber:#f2c14e;--on-dark:#e8efeb;--on-dark-muted:#a7bbb2;--f-display:"Bitter", Georgia, "Times New Roman", serif;--f-body:"Albert Sans", "Segoe UI", system-ui, -apple-system, sans-serif;--f-mono:"IBM Plex Mono", ui-monospace, "SFMono-Regular", Menlo, monospace;--wrap:1180px;--gutter:clamp(16px, 4vw, 40px);--header-h:72px;--r:6px;--r-lg:12px;--ease:cubic-bezier(.22, .75, .25, 1);--shadow-sheet:0 1px 0 #0f1c190a, 0 18px 40px -24px #0f1c1940;--cms-color-brand:var(--spruce);--cms-color-accent:var(--coral);--cms-color-highlight:var(--amber);--cms-color-contrast:var(--ink);--cms-color-muted:var(--muted);--cms-color-surface:var(--ground);--cms-color-onBrand:var(--paper)}@media (width<=720px){:root{--header-h:64px}}*,:before,:after{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-padding-top:calc(var(--header-h) + 16px);scroll-behavior:smooth}body{background:var(--ground);color:var(--ink);font-family:var(--f-body);-webkit-font-smoothing:antialiased;text-rendering:optimizelegibility;margin:0;font-size:1.0625rem;line-height:1.6}img{max-width:100%;height:auto;display:block}[hidden]{display:none!important}a{color:inherit}p{margin:0}h1,h2,h3,h4{font-family:var(--f-display);letter-spacing:-.015em;text-wrap:balance;margin:0;font-weight:700;line-height:1.1}.h-lg{letter-spacing:-.02em;font-size:clamp(1.9rem,3.4vw,2.9rem);font-weight:800;line-height:1.08}.h-md{font-size:clamp(1.35rem,2vw,1.7rem)}.h-sm{font-size:1.15rem}.lead{color:var(--ink-soft);max-width:58ch;font-size:clamp(1.1rem,1.5vw,1.25rem);line-height:1.55}.muted{color:var(--muted)}.eyebrow{font-family:var(--f-mono);letter-spacing:.08em;text-transform:uppercase;color:var(--spruce);align-items:center;gap:10px;margin:0 0 16px;font-size:.76rem;font-weight:500;display:inline-flex}.eyebrow:before{content:"";opacity:.7;background:currentColor;width:18px;height:2px}.eyebrow--light{color:var(--on-dark-muted)}.num{font-family:var(--f-mono);font-variant-numeric:tabular-nums;letter-spacing:-.01em}:focus-visible{outline:3px solid var(--coral);outline-offset:3px;border-radius:3px}.visually-hidden{clip:rect(0, 0, 0, 0);white-space:nowrap;border:0;width:1px;height:1px;margin:-1px;padding:0;overflow:hidden;position:absolute!important}.skip-link{z-index:100;background:var(--spruce);color:var(--paper);border-radius:var(--r);padding:10px 16px;font-weight:600;text-decoration:none;position:absolute;top:-60px;left:12px}.skip-link:focus{top:12px}.wrap{width:100%;max-width:var(--wrap);padding-inline:var(--gutter);margin-inline:auto}.sec>.wrap{padding-block:clamp(56px,8vw,104px)}.sec--tight>.wrap{padding-block:clamp(40px,6vw,72px)}.sec--paper{background:var(--paper)}.sec--dark{background:var(--spruce-3);color:var(--on-dark)}.sec+.sec--paper,.sec--paper+.sec{border-top:1px solid var(--line)}.sec-head{max-width:760px}.sec-head .lead{margin-top:16px}.sheet{background:var(--paper);border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:var(--shadow-sheet)}.sheet__head{border-bottom:1px solid var(--line);font-family:var(--f-mono);letter-spacing:.08em;text-transform:uppercase;color:var(--muted);justify-content:space-between;align-items:baseline;gap:12px;padding:14px 20px;font-size:.76rem;display:flex}.sheet__row{border-bottom:1px solid var(--line);justify-content:space-between;align-items:baseline;gap:16px;padding:12px 20px;display:flex}.sheet__row:last-child{border-bottom:0}.sheet__row--sum{background:var(--spruce-tint);font-weight:600}.sheet__value{font-family:var(--f-mono);font-variant-numeric:tabular-nums;white-space:nowrap}.stamp{border:2px solid var(--coral);color:var(--coral-ink);font-family:var(--f-mono);letter-spacing:.08em;text-transform:uppercase;background:var(--paper);border-radius:4px;align-items:center;gap:8px;padding:6px 10px;font-size:.78rem;font-weight:500;display:inline-flex;transform:rotate(-2deg)}.btn{border-radius:var(--r);min-height:50px;font-family:var(--f-body);cursor:pointer;transition:background-color .18s var(--ease), border-color .18s var(--ease), color .18s var(--ease);border:2px solid #0000;justify-content:center;align-items:center;gap:10px;padding:0 22px;font-size:1rem;font-weight:700;line-height:1;text-decoration:none;display:inline-flex}.btn--primary{background:var(--spruce);border-color:var(--spruce);color:var(--paper)}.btn--primary:hover{background:var(--spruce-2);border-color:var(--spruce-2)}.btn--ghost{border-color:var(--spruce);color:var(--spruce);background:0 0}.btn--ghost:hover{background:var(--spruce-soft)}.btn--light{background:var(--paper);border-color:var(--paper);color:var(--spruce-3)}.btn--light:hover{background:var(--spruce-soft);border-color:var(--spruce-soft)}.btn--ghost-light{color:var(--on-dark);background:0 0;border-color:#e8efeb73}.btn--ghost-light:hover{border-color:var(--on-dark);background:#e8efeb14}.btn--sm{min-height:42px;padding:0 16px;font-size:.95rem}.btn[disabled],.btn[aria-disabled=true]{opacity:.6;cursor:progress}.more{color:var(--spruce);cursor:pointer;align-items:center;gap:8px;font-weight:700;text-decoration:none;display:inline-flex}.more:hover{text-underline-offset:4px;text-decoration:underline}.fld{gap:6px;display:grid}.fld label{color:var(--ink-soft);font-size:.95rem;font-weight:600}.fld__help{color:var(--muted);font-size:.9rem}.fld input,.fld select,.fld textarea{border:2px solid var(--line);border-radius:var(--r);background:var(--paper);width:100%;min-height:50px;color:var(--ink);font:inherit;transition:border-color .18s var(--ease), box-shadow .18s var(--ease);padding:12px 14px;font-size:1rem}.fld textarea{resize:vertical;min-height:150px}.fld input:focus,.fld select:focus,.fld textarea:focus{border-color:var(--spruce);outline:none;box-shadow:0 0 0 3px #1b4d3e2e}.fld--hp{width:1px;height:1px;position:absolute;left:-9999px;overflow:hidden}.form-error{border-radius:var(--r);background:var(--coral-soft);border-left:4px solid var(--coral);color:#7a2a12;padding:12px 16px;font-weight:500}.chip{background:var(--spruce-soft);color:var(--spruce-3);font-family:var(--f-mono);letter-spacing:.06em;text-transform:uppercase;border-radius:999px;align-items:center;gap:6px;padding:4px 10px;font-size:.72rem;display:inline-flex}.chip--coral{background:var(--coral-soft);color:var(--coral-ink)}.chip--outline{border:1px solid var(--line-strong);color:var(--muted);background:0 0}.prose{max-width:68ch}.prose p{margin:0 0 1.1em}.prose h2{margin:2em 0 .6em;font-size:1.5rem}.prose h3{margin:1.6em 0 .5em;font-size:1.2rem}.prose ul,.prose ol{margin:0 0 1.1em;padding-left:1.3em}.prose li{margin:.3em 0}.prose blockquote{border-left:3px solid var(--spruce);color:var(--ink-soft);margin:1.4em 0;padding:4px 0 4px 20px}.prose a{color:var(--spruce);text-underline-offset:3px;text-decoration:underline}.prose img{border-radius:var(--r-lg);margin:1.4em 0}.reveal{opacity:0;transition:opacity .6s var(--ease), transform .6s var(--ease);transform:translateY(14px)}.reveal.is-in,html.no-js .reveal{opacity:1;transform:none}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,:before,:after{transition-duration:.01ms!important;animation-duration:.01ms!important;animation-iteration-count:1!important}.reveal{opacity:1;transform:none}}:root{--paper:#fff;--ground:#eef3f5;--ground-2:#e1e9ed;--ink:#0f2233;--ink-soft:#2f4555;--muted:#5c6f7c;--line:#cfdbe2;--line-strong:#a9bcc7;--spruce:#155e7f;--spruce-2:#0f4a65;--spruce-3:#0b2a3b;--spruce-soft:#d7e8f0;--spruce-tint:#e9f2f6;--coral:#d98a1f;--coral-ink:#9c5d08;--coral-soft:#fbeedb;--amber:#d98a1f;--on-dark:#e8f0f4;--on-dark-muted:#9fb6c3;--shadow-sheet:0 1px 0 #0f22330a, 0 18px 40px -24px #0f22334d;--f-display:"Archivo", "Segoe UI", system-ui, sans-serif;--f-body:"Figtree", "Segoe UI", system-ui, sans-serif;--f-mono:"Space Mono", ui-monospace, monospace;--cms-color-brand:var(--spruce);--cms-color-accent:var(--amber);--cms-color-highlight:#4fb3d9}h1,h2,h3,h4{letter-spacing:-.03em;font-weight:800}.h-xl{letter-spacing:-.045em;font-size:clamp(2.3rem,5.2vw,4.3rem);font-weight:900;line-height:.95}.h-lg{letter-spacing:-.035em;font-weight:900}.eyebrow{color:var(--spruce)}.eyebrow:before{content:"◇";opacity:1;width:auto;height:auto;color:var(--amber);background:0 0;font-size:.8em}.num,.sheet__value{font-family:var(--f-mono)}.btn,.btn--sm{border-radius:999px}.chip{border-radius:4px}:focus-visible{outline-color:var(--amber)}.sheet{border-radius:6px;position:relative}.sheet__head{border-bottom:2px dashed var(--line)}.stamp{letter-spacing:.1em;border-radius:999px;transform:rotate(-3deg)}.calc__sheet.calc__sheet,.mini.mini,.ct__summary.ct__summary{--notch:12px;-webkit-mask:radial-gradient(circle at 0 50%, transparent var(--notch), #000 calc(var(--notch) + 1px)) 0 0 / 100% 100%;border-radius:6px}.hdr.hdr{background:#eef3f5e6}.nav a[aria-current=page]{box-shadow:inset 0 -3px 0 var(--amber)!important}.pk.pk{border-top:6px solid var(--spruce);border-radius:6px}.pk--hl.pk--hl{border-top-color:var(--amber);box-shadow:var(--shadow-sheet)}.opt.opt{border-radius:6px}.opt.opt:has(input:checked){border-color:var(--amber);box-shadow:inset 4px 0 0 var(--amber)}.calc__year.calc__year{color:var(--coral-ink)}.proc__n.proc__n{color:var(--amber);letter-spacing:-.02em;font-size:1.6rem;font-family:var(--f-display);font-weight:900}.aud__card.aud__card{border-left:4px solid var(--spruce);border-radius:6px}.aud__card.aud__card:nth-child(2){border-left-color:var(--amber)}.bf.bf{border-radius:6px}.wk__kind.wk__kind,.ex__text .chip{background:var(--spruce-soft);color:var(--spruce-3)}.cta.cta,.ft.ft{background:radial-gradient(600px circle at var(--mx,70%) var(--my,40%), #d98a1f47, transparent 55%), var(--spruce-3);position:relative}.cta.cta{overflow:hidden}.ft.ft{--mx:-9999px;--my:-9999px}.marq{border-block:1px solid var(--line);background:var(--paper);font-family:var(--f-mono);letter-spacing:.08em;text-transform:uppercase;color:var(--ink-soft);white-space:nowrap;padding-block:12px;font-size:.78rem;overflow:hidden}.marq__track{gap:48px;padding-right:48px;animation:28s linear infinite marq;display:inline-flex}.marq__track span:before{content:"◇";color:var(--amber);margin-right:14px}@keyframes marq{to{transform:translate(-50%)}}.marq:hover .marq__track{animation-play-state:paused}.contours{width:140%;height:140%;color:var(--spruce);opacity:.12;pointer-events:none;animation:40s ease-in-out infinite alternate drift;position:absolute;inset:-20%}@keyframes drift{0%{transform:translate(-2%,-1%)rotate(-1deg)}to{transform:translate(2%,2%)rotate(1deg)}}@media (prefers-reduced-motion:reduce){.marq__track,.contours{animation:none}}.hdr[data-astro-cid-nen7h5rs]{z-index:30;backdrop-filter:blur(10px);border-bottom:1px solid var(--line);background:#edf1efeb;position:sticky;top:0}.hdr__in[data-astro-cid-nen7h5rs]{min-height:var(--header-h);align-items:center;gap:24px;display:flex}.brand[data-astro-cid-nen7h5rs]{min-height:44px;color:var(--ink);align-items:center;gap:11px;margin-right:auto;text-decoration:none;display:inline-flex}.brand[data-astro-cid-nen7h5rs] .brand__mark{color:var(--ink);transition:transform .4s var(--ease,ease);flex:none}.brand[data-astro-cid-nen7h5rs]:hover .brand__mark{transform:translate(2px)}.brand__words[data-astro-cid-nen7h5rs]{line-height:1;display:grid}.brand__name[data-astro-cid-nen7h5rs]{font-family:var(--f-display);letter-spacing:-.04em;font-size:1.75rem;font-weight:900}.brand__tag[data-astro-cid-nen7h5rs]{font-family:var(--f-mono);letter-spacing:.42em;text-transform:uppercase;color:var(--spruce);align-items:center;gap:7px;margin-top:3px;font-size:.62rem;font-weight:700;display:flex}.brand__wave[data-astro-cid-nen7h5rs]{width:46px;height:6px;overflow:visible}.brand__wave[data-astro-cid-nen7h5rs] path[data-astro-cid-nen7h5rs]{fill:none;stroke:var(--amber);stroke-width:1.6px}@media (width<=520px){.brand[data-astro-cid-nen7h5rs] .brand__mark{width:42px;height:42px}.brand__name[data-astro-cid-nen7h5rs]{font-size:1.45rem}.brand__wave[data-astro-cid-nen7h5rs]{width:30px}}.nav[data-astro-cid-nen7h5rs] ul[data-astro-cid-nen7h5rs]{gap:2px;margin:0;padding:0;list-style:none;display:flex}.nav[data-astro-cid-nen7h5rs] a[data-astro-cid-nen7h5rs]{border-radius:var(--r);min-height:44px;color:var(--ink-soft);transition:background-color .18s var(--ease), color .18s var(--ease);align-items:center;padding:0 14px;font-weight:600;text-decoration:none;display:inline-flex}.nav[data-astro-cid-nen7h5rs] a[data-astro-cid-nen7h5rs]:hover{background:var(--ground-2);color:var(--ink)}.nav[data-astro-cid-nen7h5rs] a[data-astro-cid-nen7h5rs][aria-current=page]{color:var(--spruce-3);box-shadow:inset 0 -3px 0 var(--spruce);border-radius:0}.nav__cta-mobile[data-astro-cid-nen7h5rs]{display:none}.hdr__actions[data-astro-cid-nen7h5rs]{align-items:center;gap:8px;display:flex}.hdr__menu[data-astro-cid-nen7h5rs]{border-radius:var(--r);width:48px;height:48px;color:var(--ink);cursor:pointer;background:0 0;border:0;justify-content:center;align-items:center;display:none}.hdr__menu[data-astro-cid-nen7h5rs]:hover{background:var(--ground-2)}.hdr__menu-close[data-astro-cid-nen7h5rs],.hdr[data-astro-cid-nen7h5rs].is-open .hdr__menu-open[data-astro-cid-nen7h5rs]{display:none}.hdr[data-astro-cid-nen7h5rs].is-open .hdr__menu-close[data-astro-cid-nen7h5rs]{display:inline-flex}@media (width<=900px){.hdr__menu[data-astro-cid-nen7h5rs]{display:inline-flex}.hdr__cta[data-astro-cid-nen7h5rs]{display:none}.nav[data-astro-cid-nen7h5rs]{background:var(--ground);border-bottom:1px solid var(--line);padding:8px var(--gutter) 20px;display:none;position:absolute;top:100%;left:0;right:0;box-shadow:0 16px 30px #0f1c191f}.hdr[data-astro-cid-nen7h5rs].is-open .nav[data-astro-cid-nen7h5rs]{display:block}.nav[data-astro-cid-nen7h5rs] ul[data-astro-cid-nen7h5rs]{flex-direction:column;gap:0}.nav[data-astro-cid-nen7h5rs] a[data-astro-cid-nen7h5rs]{border-bottom:1px solid var(--line);border-radius:0;width:100%;min-height:54px;padding:0 4px;font-size:1.15rem}.nav[data-astro-cid-nen7h5rs] a[data-astro-cid-nen7h5rs][aria-current=page]{box-shadow:inset 4px 0 0 var(--spruce);padding-left:14px}.nav__cta-mobile[data-astro-cid-nen7h5rs]{padding-top:16px;display:block}.nav__cta-mobile[data-astro-cid-nen7h5rs] a[data-astro-cid-nen7h5rs]{border-radius:var(--r);border-bottom:0;justify-content:center;font-size:1rem}}.ft[data-astro-cid-jo6i4kqk]{background:var(--spruce-3);color:var(--on-dark)}.ft__in[data-astro-cid-jo6i4kqk]{grid-template-columns:minmax(0,1.5fr) minmax(0,1fr) minmax(0,.8fr);gap:40px;padding-block:clamp(48px,6vw,72px) 32px;display:grid}.ft__name[data-astro-cid-jo6i4kqk]{font-family:var(--f-display);letter-spacing:-.02em;align-items:center;gap:12px;font-size:1.4rem;font-weight:900;display:flex}.ft__name[data-astro-cid-jo6i4kqk] .ft__mark{color:#fff;flex:none}.ft__tag[data-astro-cid-jo6i4kqk]{max-width:44ch;margin-top:8px}.ft__note[data-astro-cid-jo6i4kqk]{color:var(--on-dark-muted);border-top:1px solid #e8efeb26;max-width:48ch;margin-top:18px;padding-top:18px;font-size:.95rem}.ft__h[data-astro-cid-jo6i4kqk]{font-family:var(--f-mono);letter-spacing:.1em;text-transform:uppercase;color:var(--on-dark-muted);margin-bottom:14px;font-size:.74rem}.ft__list[data-astro-cid-jo6i4kqk]{gap:10px;margin:0;padding:0;list-style:none;display:grid}.ft__list[data-astro-cid-jo6i4kqk] li[data-astro-cid-jo6i4kqk]{align-items:center;gap:10px;display:flex}.ft__list[data-astro-cid-jo6i4kqk] svg{color:var(--on-dark-muted);flex:none}.ft__list[data-astro-cid-jo6i4kqk] a[data-astro-cid-jo6i4kqk]{color:var(--on-dark);text-decoration:none}.ft__list[data-astro-cid-jo6i4kqk] a[data-astro-cid-jo6i4kqk]:hover{text-underline-offset:4px;text-decoration:underline}.ft__small[data-astro-cid-jo6i4kqk]{color:var(--on-dark-muted);margin-top:16px;font-size:.85rem}.ft__bottom[data-astro-cid-jo6i4kqk]{border-top:1px solid #e8efeb26;padding-block:18px}.ft__bottom[data-astro-cid-jo6i4kqk] .ft__small[data-astro-cid-jo6i4kqk]{margin:0}@media (width<=860px){.ft__in[data-astro-cid-jo6i4kqk]{grid-template-columns:1fr 1fr}.ft__brand[data-astro-cid-jo6i4kqk]{grid-column:1/-1}}@media (width<=520px){.ft__in[data-astro-cid-jo6i4kqk]{grid-template-columns:1fr;gap:28px}}