
    :root{--navy:#081a2b;--ink:#102b3d;--muted:#526e7e;--mint:#67e0c3;--green:#087966;--paper:#f7fbfc;--white:#fff;--line:#d5e4e9;--pale:#e9f7f3;--amber:#c87b22}
    *{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font:500 1rem/1.7 Manrope,Arial,sans-serif}a{color:var(--green)}button,input{font:inherit}button{cursor:pointer}h1,h2,h3,p{margin-top:0}h1,h2,h3{font-family:Manrope,Arial,sans-serif;line-height:1.16;letter-spacing:-.025em}h1{font-family:Ranade,Manrope,Arial,sans-serif;font-weight:600;font-size:clamp(2.7rem,5.8vw,5rem);letter-spacing:-.035em;max-width:930px}h2{font-size:clamp(1.9rem,3vw,2.7rem)}h3{font-size:1.35rem}p{margin-bottom:1rem}.wrap{width:min(1120px,calc(100% - 40px));margin-inline:auto}.skip{position:absolute;left:-999px;top:10px;background:var(--mint);padding:9px;z-index:10}.skip:focus{left:10px}.site-header{background:var(--navy);border-bottom:1px solid #28465a;color:#fff}.nav{min-height:74px;display:flex;align-items:center;justify-content:space-between;gap:20px}.brand{display:flex;gap:11px;align-items:center;color:#fff;text-decoration:none;font:600 1.18rem Ranade,Manrope,sans-serif;white-space:nowrap}.brand-mark{display:grid;place-items:center;width:37px;height:37px;border:2px solid var(--mint);border-radius:10px;color:var(--mint);font:800 1rem Manrope,sans-serif}.back{color:#d4e8ef;text-decoration:none;font-size:.92rem}.back:hover,.back:focus-visible{color:var(--mint)}.hero{background:var(--navy);color:#fff;padding:75px 0 83px}.hero .eyebrow{color:var(--mint)}.eyebrow{font-size:.78rem;letter-spacing:.14em;text-transform:uppercase;font-weight:800;color:var(--green);margin-bottom:16px}.hero h1{margin-bottom:20px}.hero-lead{font-size:1.16rem;color:#c7dce4;max-width:750px}.hero-meta{display:flex;gap:11px;flex-wrap:wrap;margin:26px 0}.pill{border:1px solid #4d7180;border-radius:100px;padding:6px 13px;color:#d9eff1;font-size:.85rem}.hero-actions{display:flex;gap:14px;align-items:center;flex-wrap:wrap;margin-top:30px}.button{display:inline-flex;justify-content:center;align-items:center;border:0;border-radius:9px;padding:12px 19px;min-height:48px;background:var(--mint);color:var(--navy);font-weight:800;text-decoration:none}.button:hover,.button:focus-visible{background:#94efd9}.hero-actions span{color:#9dbac7;font-size:.88rem}.layout{display:grid;grid-template-columns:minmax(0,1fr) 245px;gap:48px;align-items:start;padding-block:56px 90px}.article{min-width:0}.toc{position:sticky;top:24px;border:1px solid var(--line);border-radius:15px;padding:21px;background:#fff}.toc strong{display:block;margin-bottom:10px}.toc ol{margin:0;padding-left:20px;font-size:.88rem}.toc li{padding:5px 0}.toc a{color:var(--muted);text-decoration:none}.toc a:hover{text-decoration:underline;color:var(--green)}.chapter{scroll-margin-top:24px;padding:0 0 55px;margin-bottom:56px;border-bottom:1px solid var(--line)}.chapter:last-child{border:0;margin-bottom:0;padding-bottom:0}.chapter-head{display:flex;align-items:center;gap:12px;margin-bottom:13px}.chapter-num{display:grid;place-items:center;min-width:34px;height:34px;border-radius:9px;background:#dff8ef;color:#087966;font-weight:800;font-size:.85rem}.minutes{color:var(--muted);font-size:.84rem;font-weight:700}.chapter h2{margin-bottom:20px}.chapter p,.chapter li{max-width:720px}.article ul,.article ol{padding-left:24px}.article li{margin-bottom:9px}.callout{border-left:4px solid var(--green);background:var(--pale);padding:18px 22px;border-radius:0 10px 10px 0;margin:24px 0}.callout p:last-child{margin:0}.callout.warning{border-left-color:var(--amber);background:#fff5e8}.card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:26px;margin:27px 0}.card h3{margin-bottom:12px}.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:12px;margin:23px 0}table{width:100%;border-collapse:collapse;min-width:560px;background:#fff;text-align:left}th,td{padding:13px 16px;border-bottom:1px solid var(--line);vertical-align:top}th{background:#eaf4f7;font-size:.85rem}tr:last-child td{border-bottom:0}td:first-child{font-weight:700}.formula{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:22px 0}.formula div{border:1px solid var(--line);border-radius:12px;background:#fff;padding:17px}.formula strong{display:block;font-size:1.35rem;letter-spacing:-.03em}.formula span{font-size:.82rem;color:var(--muted)}.chart{margin:25px 0;padding:18px 20px 12px;border:1px solid var(--line);background:#fff;border-radius:16px}.chart svg{width:100%;height:auto;display:block}.chart figcaption{color:var(--muted);font-size:.86rem;margin:5px 0 0}.chart svg text{font:600 13px Manrope,Arial,sans-serif;fill:#496675}.chart svg .label{font-weight:800;fill:#102b3d}.chart svg .axis{stroke:#c7dce4;stroke-width:1}.chart svg .entry{stroke:#087966;stroke-width:2;stroke-dasharray:7 6}.chart svg .stop{stroke:#c87b22;stroke-width:2;stroke-dasharray:7 6}.chart svg .target{stroke:#7398a8;stroke-width:2;stroke-dasharray:7 6}.chart svg .path{fill:none;stroke:#0b7181;stroke-width:4;stroke-linecap:round;stroke-linejoin:round}.chart svg .dot{fill:#0b7181;stroke:#fff;stroke-width:3}.chart-key{display:flex;gap:16px;flex-wrap:wrap;font-size:.84rem;margin:10px 0 0}.chart-key span{display:flex;align-items:center;gap:7px}.swatch{width:20px;height:3px;background:#0b7181}.swatch.entry{background:var(--green)}.swatch.stop{background:var(--amber)}.swatch.target{background:#7398a8}.calc-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:15px}.field label{display:block;font-size:.85rem;font-weight:800;margin-bottom:6px}.field input{width:100%;padding:11px 13px;border:1px solid #a9c3ce;border-radius:8px;background:#fff;color:var(--ink)}.field input:focus-visible{outline:3px solid #a3e6d6;outline-offset:2px}.calc-result{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;margin-top:17px}.calc-result div{padding:15px;border-radius:10px;background:#eaf7f3}.calc-result strong{display:block;font-size:1.35rem}.calc-result span{font-size:.8rem;color:#3e5e6c}.note{font-size:.85rem;color:var(--muted)}.prompt{white-space:pre-wrap;background:var(--navy);color:#e5f5f6;border-radius:12px;padding:22px;font:500 .92rem/1.7 Manrope,Arial,sans-serif;margin:15px 0}.copy{border:1px solid #87c6b8;border-radius:8px;background:#fff;color:#17554c;font-weight:800;padding:9px 14px}.copy:hover,.copy:focus-visible{background:#e9f8f3}.quiz details{border:1px solid var(--line);background:#fff;border-radius:10px;padding:15px 18px;margin:10px 0}.quiz summary{cursor:pointer;font-weight:800}.quiz details p{margin:12px 0 0;color:var(--muted)}.sources{font-size:.9rem;color:var(--muted)}.sources li{overflow-wrap:anywhere}.end-card{background:var(--navy);border-radius:15px;padding:30px;color:#fff;margin-top:36px}.end-card p{color:#c5d9e1}.end-card a{color:var(--mint)}footer{background:#061522;color:#b8d1db;padding:25px 0;font-size:.86rem}footer .wrap{display:flex;justify-content:space-between;gap:15px;flex-wrap:wrap}footer a{color:#d4f4ec}
    @media(max-width:880px){.layout{grid-template-columns:1fr;gap:0}.toc{grid-row:1;position:static;margin-bottom:50px}.toc ol{columns:2}.formula{grid-template-columns:1fr 1fr}}
    @media(max-width:580px){.wrap{width:min(100% - 28px,1120px)}.hero{padding:55px 0 65px}.back{font-size:.83rem}.layout{padding-top:35px}.toc ol{columns:1}.chapter{margin-bottom:43px;padding-bottom:42px}.card{padding:20px}.formula,.calc-grid,.calc-result{grid-template-columns:1fr}.chart{padding:13px 7px 10px}.chart svg text{font-size:11px}}
    @media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

.offer-checks{padding-left:1.3rem;line-height:1.7}.offer-checks li{margin:.7rem 0}.decision-guide{margin:28px 0}.decision-guide ol{padding-left:1.3rem}.decision-guide li{margin:.6rem 0}.closing-offer{margin:42px 0;padding:28px;background:#e1f7ef;border:1px solid #aedccb;border-radius:16px}.closing-offer .button{margin:0 12px 12px 0}summary{cursor:pointer;min-height:44px;padding:10px 0}a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid #b57400;outline-offset:4px}body{overflow-wrap:break-word}img{max-width:100%}footer{padding-bottom:100px}@media(max-width:500px){.hero{padding:38px 0 44px}.hero h1{font-size:clamp(2rem,9vw,2.7rem)}.hero-actions{align-items:stretch}.hero-actions .button{width:100%}.wrap{width:calc(100% - 32px)}.closing-offer{padding:22px}}
