:root{--ink:#273a30;--muted:#596459;--cream:#f7f5ee;--paper:#fffdf8;--line:#dcded1;--gold:#a17640;--soft:#e9eddf;--serif:Georgia,'Times New Roman',serif;--sans:-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:30px}body{margin:0;background:var(--cream);color:var(--ink);font-family:var(--sans);font-size:16px;line-height:1.7}a{color:inherit;text-underline-offset:4px}a:hover{color:#815a2a}button,input,select{font:inherit}button,a,input,select,summary{-webkit-tap-highlight-color:transparent}button{cursor:pointer}button:focus-visible,a:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid #a66e21;outline-offset:5px}img{display:block;max-width:100%;height:auto}figure{margin:0}figcaption{font-size:10px;letter-spacing:.03em;color:var(--muted);margin-top:6px}h1,h2,h3{font-family:var(--serif);font-weight:400;line-height:1.1;letter-spacing:-.035em;margin:0 0 22px}h1{font-size:clamp(42px,5.5vw,78px)}h2{font-size:clamp(32px,3.3vw,46px)}h3{font-size:30px}p{margin:0 0 20px}.eyebrow{font-size:11px;letter-spacing:.16em;font-weight:700;line-height:1.6;margin-bottom:20px}.lead{font-size:18px;color:var(--muted);line-height:1.7;max-width:600px}.small,.article-meta{font-size:13px;color:var(--muted)}.skip{position:absolute;top:-100px;z-index:100;background:var(--ink);color:white;padding:12px}.skip:focus{top:0}.preview-bar{padding:7px 20px;text-align:center;font-size:10px;letter-spacing:.08em;background:#e7e9dd;color:#3d4c3c}header{border-bottom:1px solid var(--line)}.header-inner{max-width:1320px;margin:auto;padding:24px 40px;display:flex;align-items:center;justify-content:space-between;gap:30px}.brand{display:flex;gap:12px;align-items:center;text-decoration:none;flex-shrink:0}.brand-mark{font-family:var(--serif);background:var(--ink);color:var(--cream);width:46px;height:46px;line-height:43px;text-align:center;font-size:38px;border-radius:50%}.brand>span:last-child{font-size:12px;font-weight:700;letter-spacing:.09em;line-height:1.3}.brand small{display:block;font-size:10px;font-weight:500;letter-spacing:.22em;margin-top:5px}header nav{display:flex;gap:30px;align-items:center}header nav a{font-size:13px;text-decoration:none;padding:7px 0}header nav a[aria-current]{border-bottom:1px solid var(--ink)}.menu-toggle{display:none}.hero{max-width:1320px;margin:auto;padding:54px 40px 42px;display:grid;grid-template-columns:1fr 1.15fr;gap:48px;align-items:center}.hero h1{font-size:clamp(45px,5.5vw,76px);margin-bottom:25px}.hero-copy{padding:18px 0}.hero .lead{max-width:430px;font-size:17px}.hero-image{position:relative}.hero-image>img{width:100%;height:530px;object-fit:cover;object-position:67% center;border-radius:160px 160px 3px 3px}.image-label{position:absolute;bottom:48px;left:25px;background:rgba(255,253,248,.93);padding:14px 18px;font-size:10px;letter-spacing:.12em;line-height:1.6;border-left:2px solid var(--gold)}.hero-image figcaption{text-align:right}.actions{display:flex;align-items:center;flex-wrap:wrap;gap:20px;margin:28px 0}.button{display:inline-flex;align-items:center;justify-content:center;gap:22px;padding:14px 22px;background:var(--ink);color:var(--paper);text-decoration:none;border:1px solid var(--ink);border-radius:3px;font-size:13px;font-weight:600;line-height:1.6;min-height:48px}.button:hover{background:#3b5442;color:white}.button span{font-size:21px;font-weight:400;line-height:1}.button.light{background:var(--cream);color:var(--ink);border-color:var(--cream)}.text-link{font-size:13px;font-weight:600;text-decoration:none}.hero-note{font-size:11px;margin-top:25px;color:var(--muted)}.principles{display:flex;justify-content:space-around;gap:20px;padding:20px 40px;border-top:1px solid var(--line);border-bottom:1px solid var(--line);font-size:11px;letter-spacing:.07em;text-transform:uppercase}.principles span:before{content:'✦';color:var(--gold);margin-right:12px}.section{max-width:1320px;margin:auto;padding:80px 40px}.section-heading{display:flex;justify-content:space-between;align-items:flex-end;gap:60px;margin-bottom:35px}.section-heading h2{margin-bottom:0;max-width:500px}.section-heading>p{max-width:350px;font-size:14px;margin-bottom:0;color:var(--muted)}.path-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.path-card{display:flex;flex-direction:column;background:var(--paper);border:1px solid var(--line);padding:30px;text-decoration:none;border-radius:4px;transition:transform .15s,border-color .15s}.path-card:hover{transform:translateY(-3px);border-color:var(--gold);color:var(--ink)}.path-card .number{font-size:10px;letter-spacing:.12em;color:#69715a;margin-bottom:30px}.path-card h3{max-width:240px}.path-card p{font-size:14px;color:var(--muted)}.card-link{font-size:12px;font-weight:700;margin-top:auto;padding-top:15px}.tool-feature{max-width:1240px;margin:0 auto;background:var(--ink);color:var(--cream);padding:55px;display:grid;grid-template-columns:1.2fr 1fr;gap:80px;border-radius:4px}.tool-feature p:not(.eyebrow){font-size:14px;max-width:450px;color:#e1e4d7}.tool-feature h2{font-size:45px}.budget-art{background:#344b3b;padding:30px;align-self:center;transform:rotate(2deg);border:1px solid #6a7a65;border-radius:3px}.budget-art>span{font-size:10px;letter-spacing:.14em}.budget-art>div{display:flex;justify-content:space-between;border-bottom:1px solid #6a7a65;padding:15px 0}.budget-art b{font-family:var(--serif);font-size:24px;font-weight:400}.budget-art i{font-style:normal;font-size:22px}.budget-art>p{font-size:11px!important;margin:20px 0 0}.editorial-split{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:center}.editorial-split img{border-radius:4px;aspect-ratio:1.3;object-fit:cover}.editorial-split>div p:not(.eyebrow){font-size:15px;color:var(--muted)}.faq{max-width:920px;margin:0 auto;padding:30px 40px 80px}.faq h2{margin-bottom:35px}details{border-top:1px solid var(--line)}details:last-child{border-bottom:1px solid var(--line)}summary{cursor:pointer;padding:20px 40px 20px 0;font-size:15px;font-weight:600;position:relative;list-style:none}summary::-webkit-details-marker{display:none}summary:after{content:'+';position:absolute;right:5px;font-size:25px;font-weight:300;top:13px}details[open] summary:after{content:'−'}details>div{font-size:14px;max-width:740px;padding:0 35px 8px 0;color:var(--muted)}.closing{padding:45px 40px;display:flex;gap:35px;justify-content:space-between;align-items:center;max-width:1240px;margin:0 auto 50px;background:var(--soft);border-radius:4px}.closing h2{margin:0}.closing .eyebrow{margin-bottom:10px}footer{background:#eaece1;padding:45px max(40px,calc((100vw - 1240px)/2));font-size:12px;color:#4d594c}.footer-top{display:flex;justify-content:space-between;gap:30px;align-items:center;margin-bottom:30px}.footer-top>div{display:flex;flex-wrap:wrap;gap:22px}.footer-top a{font-size:12px}.footer-bottom{display:flex;gap:20px;justify-content:space-between;border-top:1px solid #cbd1bf;padding-top:20px;font-size:10px}.page-heading{max-width:1000px;margin:0 auto;padding:50px 40px 30px}.page-heading .eyebrow{margin-top:30px}.breadcrumb{font-size:11px;color:var(--muted)}.page-heading h1{font-size:clamp(38px,4.5vw,62px);max-width:930px}.page-heading .lead{max-width:800px;font-size:17px}.page-body{max-width:1000px;margin:0 auto;padding:0 40px 60px}.page-body>p,.page-body>ul{max-width:780px}.page-body h2{font-size:32px;margin-top:42px;line-height:1.25}.page-body .faq{padding:30px 0 20px;margin-top:20px;max-width:none}.page-body .faq h2{margin-top:0}.page-body li{margin-bottom:10px}.page-body .path-card h2{margin-top:0}.answer{background:var(--soft);border-left:3px solid #8d9a74;padding:25px 30px;margin:10px 0 35px}.answer>strong{font-size:11px;letter-spacing:.08em;text-transform:uppercase}.answer p{margin:8px 0 0;font-size:17px}.toc{display:flex;flex-wrap:wrap;gap:15px;font-size:12px;padding:20px 0;border-block:1px solid var(--line);margin-bottom:35px}.toc strong{width:100%;font-size:11px;text-transform:uppercase;letter-spacing:.08em}.callout{border:1px solid var(--line);padding:24px 28px;margin:30px 0;background:var(--paper)}.callout p:last-child{margin-bottom:0}.callout strong{font-family:var(--serif);font-size:24px;font-weight:400}.callout p{font-size:14px;margin-top:12px}.sources{border-top:1px solid var(--line);margin-top:40px;padding-top:15px;font-size:12px}.sources h2{font-size:23px;margin-top:15px}.sources li{margin-bottom:5px}.wide-photo{margin-bottom:30px}.wide-photo img{width:100%;max-height:370px;object-fit:cover;border-radius:4px}.filter-row{display:flex;gap:10px;flex-wrap:wrap;margin:20px 0}.chip{background:transparent;border:1px solid #89937c;border-radius:25px;padding:9px 15px;font-size:12px;color:var(--ink);min-height:44px}.chip.active{background:var(--ink);color:white}.table-scroll{overflow-x:auto;border:1px solid var(--line);background:var(--paper)}table{border-collapse:collapse;width:100%;font-size:13px;min-width:570px}caption{text-align:left;padding:14px 18px;font-size:11px;letter-spacing:.06em;text-transform:uppercase}th,td{text-align:left;padding:17px 18px;vertical-align:top;border-bottom:1px solid var(--line)}thead{background:var(--soft)}tbody th{min-width:140px}tbody tr:last-child>*{border-bottom:0}.two{grid-template-columns:repeat(2,1fr)}.calculator-layout{display:grid;grid-template-columns:1.35fr 1fr;gap:30px;align-items:start}fieldset{border:1px solid var(--line);padding:20px;margin:20px 0;background:var(--paper);min-width:0}legend{padding:0 8px;font-family:var(--serif);font-size:25px}.field{margin:0 0 18px}.field label{display:block;font-size:12px;font-weight:600;margin-bottom:8px}input[type=number],select{width:100%;padding:12px;border:1px solid #929c88;border-radius:3px;background:#fff;color:var(--ink);min-height:48px}input:invalid{border-color:#a44c32}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:0 18px}.budget-result{background:var(--ink);color:var(--cream);padding:28px;border-radius:4px;position:sticky;top:25px}.budget-result p{font-size:12px;margin-bottom:22px}.budget-result strong{display:block;font-family:var(--serif);font-size:33px;font-weight:400;line-height:1.4;overflow-wrap:anywhere}.budget-result hr{border:0;border-top:1px solid #72836b;margin:25px 0}.budget-result .small{color:#dce1d3;font-size:11px}.secondary{background:transparent;border:1px solid #89937c;padding:12px 18px;color:var(--ink);font-size:13px;border-radius:3px;min-height:48px}.form-error{color:#923e25;font-size:13px}.checklist{max-width:780px}.check-progress{padding:20px;background:var(--soft);border-radius:4px}.check-progress strong{font-size:14px}progress{display:block;width:100%;height:10px;margin-top:12px;accent-color:var(--ink)}.check-item{display:flex;gap:15px;align-items:flex-start;padding:15px 0;border-bottom:1px solid var(--line);font-size:14px;cursor:pointer}.check-item:last-child{border:0}.check-item input,.save-choice input{width:20px;height:20px;accent-color:var(--ink);flex-shrink:0}.check-item input{margin-top:3px}.check-item:has(input:checked)>span{color:#65715e}.save-choice{display:flex!important;gap:12px;align-items:center;cursor:pointer}.checklist .field{margin-top:25px}[hidden]{display:none!important}
@media(min-width:1500px){.hero-image>img{height:570px}}
@media(max-width:1000px){header nav{gap:18px}.hero{gap:30px}.hero-image>img{height:470px}.hero .actions{gap:14px}.tool-feature{margin-inline:30px;gap:35px;padding:40px}.editorial-split{gap:40px}.path-card{padding:24px}.path-card h3{font-size:26px}}
@media(max-width:760px){.header-inner{padding:18px 22px;flex-wrap:wrap;gap:18px}.brand-mark{width:40px;height:40px;font-size:33px;line-height:37px}.brand>span:last-child{font-size:10px}.brand small{font-size:9px}.menu-toggle{display:flex;gap:12px;align-items:center;background:none;border:1px solid var(--line);padding:8px 12px;color:var(--ink);font-size:12px;min-height:44px}header nav{width:100%;flex-direction:column;align-items:stretch;gap:0;display:none}header nav.open{display:flex}header nav a{padding:12px 0;border-top:1px solid var(--line)}.hero{padding:32px 22px;grid-template-columns:1fr;gap:15px}.hero-copy{padding:10px 0}.hero h1{font-size:58px}.hero .lead{max-width:490px}.hero-image>img{height:380px;border-radius:110px 110px 3px 3px;object-position:center}.hero-note{margin-bottom:0}.hero-image{max-width:580px;width:100%}.principles{flex-wrap:wrap;padding:20px 22px;gap:12px 25px;justify-content:flex-start;font-size:10px}.section{padding:50px 22px}.section-heading{display:block;margin-bottom:25px}.section-heading>p{margin-top:20px;max-width:500px}.path-grid,.two{grid-template-columns:1fr}.path-card h3{max-width:none;font-size:30px}.path-card .number{margin-bottom:20px}.path-card{padding:26px}.path-card p{max-width:500px}.tool-feature{margin-inline:22px;padding:30px 25px;grid-template-columns:1fr;gap:25px}.tool-feature h2{font-size:37px}.budget-art{transform:none}.editorial-split{grid-template-columns:1fr;gap:30px}.editorial-split img{aspect-ratio:1.5}.faq{padding:10px 22px 45px}.faq h2{font-size:35px}summary{font-size:14px}.closing{margin:0 22px 30px;padding:28px 25px;display:block}.closing .button{margin-top:25px}.closing h2{font-size:38px}footer{padding:35px 22px}.footer-top{align-items:flex-start;flex-direction:column;gap:25px}.footer-top>div{gap:12px 25px}.footer-bottom{flex-direction:column;gap:8px}.preview-bar{font-size:9px;line-height:1.5}.page-heading{padding:30px 22px 20px}.page-heading h1{font-size:43px}.page-heading .lead{font-size:16px}.page-body{padding:0 22px 40px}.page-body h2{font-size:30px}.page-body>p,.page-body>ul{font-size:15px}.answer{padding:22px}.answer p{font-size:16px}.calculator-layout{grid-template-columns:1fr}.budget-result{position:static;grid-row:1}.budget-result strong{font-size:31px}.budget-result p{margin-bottom:16px}.form-grid{gap:0 12px}fieldset{padding:15px}.field label{font-size:11px}.toc{gap:12px 20px}.wide-photo img{max-height:280px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.path-card{transition:none}}
@media print{header,.preview-bar,.closing,footer,.actions,.filter-row,.menu-toggle,.skip{display:none!important}body{background:white;color:black;font-size:11pt}.page-heading,.page-body{padding:10px 0;max-width:none}.page-heading h1{font-size:28pt}.calculator-layout{display:block}.budget-result{position:static;background:#eee;color:black;break-inside:avoid}.budget-result .small{color:black}.budget-result strong{font-size:22pt}.check-item{break-inside:avoid}.page-body .faq,.sources{display:none}input,select{border:1px solid #888}h2,h3{break-after:avoid}a{color:black;text-decoration:none}.hero-image img{max-height:200px}}
