@font-face{font-family:Geist;src:url('/_blog-assets/geist.woff2') format('woff2');font-style:normal;font-weight:100 900;font-display:swap}
@font-face{font-family:'Instrument Serif';src:url('/_blog-assets/wordmark.woff2') format('woff2');font-style:italic;font-weight:400;font-display:swap}
:root{--paper:#fffcf6;--soft:#faf6ef;--ink:#14110f;--muted:#4a4239;--line:#d9d2c8;--brand:#a5292b;--brand-dark:#861118;--radius:8px;font-family:Geist,Arial,sans-serif;color:var(--ink);background:var(--paper);font-synthesis:none}
*{box-sizing:border-box}body{margin:0}html{scroll-padding-top:110px}a{color:inherit}button,a{-webkit-tap-highlight-color:transparent}a:focus-visible,summary:focus-visible{outline:3px solid var(--brand);outline-offset:5px}a:hover{text-decoration-thickness:2px}img{max-width:100%}.skip{position:absolute;top:-100px;left:20px;z-index:20;background:white;padding:14px}.skip:focus{top:12px}.shell{max-width:1180px;margin:0 auto;padding:0 32px}
.header{border-bottom:1px solid var(--line);background:var(--paper)}.header-inner{height:80px;display:flex;align-items:center;gap:48px}.brand{display:inline-flex;align-items:center;gap:10px;text-decoration:none;white-space:nowrap}.brand-name{font-family:'Instrument Serif',Georgia,serif;font-style:italic;font-size:25px;letter-spacing:-.025em}.brand-dot{color:var(--brand)}.nav{display:flex;gap:28px;align-items:center;font-size:14px}.nav a{text-decoration:none;padding:12px 0}.nav a[aria-current=page]{color:var(--brand);text-decoration:underline;text-underline-offset:8px}.header .button{margin-left:auto}.button{display:inline-flex;justify-content:center;align-items:center;min-height:46px;padding:12px 20px;border:1px solid var(--brand);border-radius:6px;background:var(--brand);color:white;text-decoration:none;font-size:14px;font-weight:550}.button:hover{background:var(--brand-dark)}.mobile-nav{display:none}.preview-notice{background:#f0ece5;border-bottom:1px solid var(--line);font-size:12px;color:var(--muted);text-align:center;padding:10px 18px;line-height:1.5}.preview-notice strong{font-weight:650}
.intro{padding:74px 0 54px;max-width:890px}.intro h1{font-size:clamp(39px,5vw,66px);line-height:1.06;font-weight:550;letter-spacing:-.055em;margin:0 0 24px;max-width:850px}.intro p{font-size:19px;line-height:1.6;color:var(--muted);max-width:645px;margin:0}.featured{display:grid;grid-template-columns:1.25fr 1fr;background:var(--soft);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}.feature-copy{padding:42px}.category{color:var(--brand);font-size:13px;font-weight:600;line-height:1.5;margin:0 0 14px}.featured h2{font-size:clamp(29px,3vw,39px);line-height:1.12;letter-spacing:-.04em;margin:0 0 16px;font-weight:550}.featured h2 a,.guide h3 a{text-decoration:none}.featured h2 a:hover,.guide h3 a:hover{text-decoration:underline;text-underline-offset:5px}.summary{font-size:17px;line-height:1.6;color:var(--muted);margin:0 0 22px}.meta{font-size:12px;color:var(--muted);display:flex;gap:14px;align-items:center;flex-wrap:wrap}.read-link{display:inline-flex;padding:14px 0;min-height:44px;margin-top:14px;color:var(--brand);font-size:14px;font-weight:600;text-underline-offset:5px}.journey{padding:36px;display:flex;flex-direction:column;justify-content:center;border-left:1px solid var(--line);background:var(--paper)}.journey h3{font-size:15px;font-weight:550;margin:0 0 25px}.journey-step{display:grid;grid-template-columns:34px 1fr;gap:14px;position:relative;padding:0 0 28px}.journey-step:last-of-type{padding-bottom:0}.journey-step:not(:last-of-type):before{content:'';position:absolute;left:16px;top:34px;bottom:0;width:1px;background:var(--line)}.journey-icon{width:34px;height:34px;border:1px solid var(--line);border-radius:50%;display:grid;place-items:center;font-size:13px;background:var(--paper);color:var(--brand);font-variant-numeric:tabular-nums}.journey-step strong{font-size:16px;font-weight:550;display:block;line-height:1.3;margin:3px 0 5px}.journey-step p{font-size:13px;line-height:1.5;color:var(--muted);margin:0}.more{padding:58px 0 65px}.more>h2{font-size:23px;letter-spacing:-.025em;font-weight:550;margin:0 0 28px}.guide-list{display:grid;grid-template-columns:1fr 1fr;gap:44px}.guide{border-top:1px solid var(--line);padding-top:25px}.guide h3{font-size:28px;font-weight:550;line-height:1.18;letter-spacing:-.035em;margin:0 0 14px}.guide .summary{font-size:16px}.cta{background:var(--ink);color:var(--paper);padding:38px 40px;border-radius:var(--radius);display:flex;gap:30px;align-items:center;justify-content:space-between;margin-bottom:72px}.cta h2{font-size:28px;line-height:1.2;font-weight:500;letter-spacing:-.035em;margin:0 0 10px}.cta p{max-width:620px;color:#e0d8cc;font-size:15px;line-height:1.6;margin:0}.cta .button{flex-shrink:0;background:var(--paper);border-color:var(--paper);color:var(--ink)}.cta .button:hover{background:#ebe3d5}.footer{border-top:1px solid var(--line);padding:28px 0 35px}.footer-top{display:flex;justify-content:space-between;align-items:center;gap:24px}.footer-links{display:flex;gap:26px;flex-wrap:wrap;font-size:14px}.footer-links a{padding:10px 0;text-underline-offset:4px}.footer-bottom{margin:25px 0 0;font-size:12px;line-height:1.6;color:var(--muted)}
.breadcrumbs{display:flex;gap:10px;align-items:center;flex-wrap:wrap;font-size:13px;color:var(--muted);padding:34px 0 0;line-height:1.6}.breadcrumbs a{text-underline-offset:4px}.article-heading{max-width:850px;padding:34px 0 45px}.article-heading h1{font-size:clamp(36px,4.7vw,58px);font-weight:550;letter-spacing:-.05em;line-height:1.08;margin:0 0 24px}.author-line{display:flex;align-items:center;gap:12px}.author-line img{border-radius:50%;object-fit:cover;width:38px;height:38px}.author-name{font-size:13px;font-weight:600}.author-line .meta{margin-top:4px}.article-grid{display:grid;grid-template-columns:230px minmax(0,720px);gap:60px;align-items:start;padding-bottom:50px}.contents{position:sticky;top:30px;border-top:1px solid var(--line);padding-top:18px}.contents h2{font-size:13px;font-weight:650;margin:0 0 12px}.contents ol{padding:0;list-style:none;margin:0}.contents li{margin:0}.contents a{display:block;padding:8px 0;color:var(--muted);font-size:13px;line-height:1.45;text-decoration:none}.contents a:hover{color:var(--brand);text-decoration:underline;text-underline-offset:3px}.prose{font-size:17px;line-height:1.8;min-width:0}.prose>p:first-child{font-size:21px;line-height:1.6;letter-spacing:-.015em}.prose p{margin:0 0 23px}.prose h2{font-size:29px;font-weight:550;line-height:1.2;letter-spacing:-.035em;margin:44px 0 18px}.prose h3{font-size:22px;margin:30px 0 14px}.prose ul,.prose ol{padding-left:24px;margin:0 0 24px}.prose li{padding-left:4px;margin:0 0 10px}.prose a{color:var(--brand-dark);text-underline-offset:4px}.prose strong{font-weight:650}.table-wrap{overflow:auto;border:1px solid var(--line);border-radius:6px;margin:24px 0 30px}.prose table{width:100%;border-collapse:collapse;font-size:14px;line-height:1.6}.prose th,.prose td{text-align:left;padding:14px 16px;vertical-align:top;border-bottom:1px solid var(--line);min-width:130px}.prose th{background:var(--soft);font-weight:600}.prose tr:last-child td{border-bottom:0}.article-related{border-top:1px solid var(--line);padding-top:36px;margin-bottom:50px}.article-related h2{font-size:23px;font-weight:550;margin:0 0 22px}.draft{color:var(--brand);font-weight:600}
@media(min-width:1500px){.intro{padding-top:95px}}
@media(max-width:900px){.article-grid{grid-template-columns:1fr;gap:26px}.contents{position:static}.contents ol{display:grid;grid-template-columns:1fr 1fr;column-gap:24px}.article-heading{padding-bottom:30px}.featured{grid-template-columns:1.2fr 1fr}.feature-copy{padding:30px}.journey{padding:28px}.cta{padding:30px;align-items:flex-start;flex-direction:column}.header-inner{gap:30px}}
@media(max-width:650px){.shell{padding:0 22px}.header-inner{height:72px;gap:14px}.brand-name{font-size:23px}.header .button{font-size:12px;padding:10px 12px;min-height:44px}.nav{display:none}.mobile-nav{display:block;position:relative;margin-left:auto}.mobile-nav summary{min-width:44px;min-height:44px;display:grid;place-items:center;cursor:pointer;list-style:none;font-size:14px}.mobile-nav summary::-webkit-details-marker{display:none}.mobile-nav nav{position:absolute;right:0;top:52px;z-index:10;background:var(--paper);border:1px solid var(--line);border-radius:6px;min-width:170px;padding:8px;box-shadow:0 8px 20px #14110f12}.mobile-nav a{display:block;text-decoration:none;padding:13px 15px;font-size:14px}.header .button{margin-left:0}.intro{padding:47px 0 35px}.intro p{font-size:17px}.featured{grid-template-columns:1fr}.feature-copy{padding:27px 25px}.journey{border-left:0;border-top:1px solid var(--line);padding:27px 25px}.journey h3{margin-bottom:22px}.journey-step{padding-bottom:23px}.guide-list{grid-template-columns:1fr;gap:30px}.more{padding:38px 0 45px}.more>h2{margin-bottom:20px}.guide h3{font-size:27px}.cta{padding:27px 25px;margin-bottom:45px}.cta h2{font-size:27px}.footer-top{align-items:flex-start;flex-direction:column}.footer-links{gap:22px}.breadcrumbs{padding-top:25px;font-size:12px}.article-heading{padding-top:25px}.contents ol{grid-template-columns:1fr}.contents a{padding:9px 0}.prose{font-size:16px;line-height:1.8}.prose>p:first-child{font-size:19px}.prose h2{font-size:26px}.prose th,.prose td{padding:12px;min-width:115px}.article-grid{padding-bottom:30px}}
@media(prefers-reduced-motion:reduce){*,*:before,*:after{scroll-behavior:auto!important;animation:none!important;transition:none!important}}
.author-bio{display:grid;grid-template-columns:56px 1fr;gap:16px;align-items:start;border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:22px 0;margin:36px 0 8px;font-size:15px;line-height:1.55;color:var(--muted)}.author-bio img{border-radius:50%;width:56px;height:56px}.author-bio strong{color:var(--ink);font-weight:600}.author-bio a{color:var(--brand)}.prose h3{font-size:19px;font-weight:600;margin:28px 0 8px;line-height:1.3}.meta time+time:before{content:"·";margin:0 2px 0 0;color:var(--muted)}
.article-figure{margin:34px 0 30px}.article-figure img{display:block;width:100%;height:auto;border:1px solid var(--line);border-radius:var(--radius);background:var(--soft)}.article-figure figcaption{margin-top:10px;font-size:14px;line-height:1.55;color:var(--muted)}
.guide-thumb{display:block;margin:0 0 18px;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;background:var(--paper)}.guide-thumb .thumb,.feature-thumb .thumb{display:block;width:100%;height:auto;aspect-ratio:3/2;object-fit:cover}.guide-thumb:hover{border-color:var(--muted)}.feature-thumb{display:flex;align-items:center;background:var(--paper);border-left:1px solid var(--line)}
@media (max-width:760px){.feature-thumb{border-left:0;border-top:1px solid var(--line)}}
.page-lead{font-size:19px;line-height:1.6;color:var(--muted);max-width:640px;margin:14px 0 0}
.calc{background:var(--soft);border:1px solid var(--line);border-radius:var(--radius);padding:26px;margin:28px 0 44px}.calc-title{font-size:22px;letter-spacing:-.02em;margin:0 0 6px;font-weight:600}.calc-note{color:var(--muted);font-size:14px;margin:0 0 20px}
.calc-grid{display:grid;grid-template-columns:1.1fr 1fr;gap:28px;align-items:start}.calc-form fieldset{border:0;padding:0;margin:0 0 18px}.calc-form legend{font-weight:600;font-size:13px;letter-spacing:.06em;text-transform:uppercase;color:var(--brand);margin-bottom:10px}
.calc-form label{display:grid;grid-template-columns:1fr auto 120px;gap:8px;align-items:center;font-size:15px;line-height:1.35;padding:8px 0;border-bottom:1px solid var(--line)}.calc-unit{color:var(--muted);font-size:14px}
.calc-form input{width:100%;box-sizing:border-box;font:inherit;font-variant-numeric:tabular-nums;text-align:right;padding:10px 12px;min-height:44px;border:1px solid var(--line);border-radius:6px;background:var(--paper);color:var(--ink)}.calc-form input:focus{outline:2px solid var(--brand);outline-offset:2px;border-color:var(--brand)}
.calc-results{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:20px;display:grid;grid-template-columns:1fr 1fr;gap:14px}.calc-stat{display:flex;flex-direction:column;gap:4px}.calc-stat strong{font-size:24px;font-weight:600;font-variant-numeric:tabular-nums;letter-spacing:-.02em}
.calc-stat-main{grid-column:1/-1;padding-bottom:12px;border-bottom:1px solid var(--line)}.calc-stat-main strong{font-size:40px;color:var(--brand)}.calc-label{font-size:13px;color:var(--muted)}
.calc-total,.calc-insight{grid-column:1/-1;margin:0;font-size:15px;line-height:1.55}.calc-insight{color:var(--ink);background:var(--soft);border-radius:6px;padding:12px 14px}.calc-insight:empty{display:none}.calc-cta{grid-column:1/-1;text-align:center;justify-content:center}
@media (max-width:820px){.calc{padding:18px}.calc-grid{grid-template-columns:1fr}.calc-form label{grid-template-columns:1fr auto 110px}}
.bchart{margin:28px 0 36px;padding:22px;border:1px solid var(--line);border-radius:var(--radius);background:var(--soft)}.bchart figcaption{display:flex;flex-direction:column;gap:4px;margin-bottom:16px}.bchart figcaption strong{font-size:18px}.bchart figcaption span,.bc-note{color:var(--muted);font-size:14px}
.bc-split{display:flex;height:22px;border-radius:6px;overflow:hidden;margin-bottom:10px}.bc-split-on{background:var(--ink)}.bc-split-off{background:var(--brand)}.bc-legend{list-style:none;margin:0 0 22px;padding:0;display:flex;flex-wrap:wrap;gap:6px 18px;font-size:14px}.bc-legend li{display:flex;align-items:center;gap:8px}.bc-key{width:12px;height:12px;border-radius:3px;display:inline-block}.bc-key-on{background:var(--ink)}.bc-key-off{background:var(--brand)}.bc-other-note{grid-column:2/4;color:var(--muted);font-size:14px}
.bc-sub{margin:0 0 10px;font-size:15px}.bc-list{list-style:none;margin:0;padding:0;display:grid;gap:8px}.bc-row{display:grid;grid-template-columns:150px 1fr 88px;gap:10px;align-items:center;font-size:15px}.bc-track{height:14px;background:var(--paper);border:1px solid var(--line);border-radius:4px;overflow:hidden}.bc-fill{display:block;height:100%;background:var(--brand)}.bc-other .bc-fill{background:var(--muted)}.bc-val{text-align:right;font-variant-numeric:tabular-nums}.bc-val small{color:var(--muted)}.bc-note{margin:14px 0 0}
@media (max-width:560px){.bchart{padding:16px}.bc-row{grid-template-columns:110px 1fr 70px;font-size:14px}}