@font-face{
  font-family:"Instrument Sans";font-style:normal;font-weight:400 700;font-stretch:75% 100%;font-display:swap;
  src:url(/assets/fonts/instrument-sans-latin.woff2) format("woff2");
}
:root{
  --ink:#172A3A;
  --ink-soft:#4A5B6A;
  --paper:#F4F6F3;
  --card:#FFFFFF;
  --line:#D5DCD6;
  --teal:#1F6F63;
  --teal-dark:#16544B;
  --marigold:#F2B33D;
  --warn-bg:#FFF6E2;
  --wrap:1120px;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:20px}
body{
  margin:0;background:var(--paper);color:var(--ink);
  font-family:"Instrument Sans",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  font-size:17px;line-height:1.6;
}
a{color:var(--teal-dark);text-underline-offset:2px}
a:hover{color:var(--ink)}
a:focus-visible,button:focus-visible,input:focus-visible,summary:focus-visible,.plot:focus-visible,
.seg input:focus-visible + span{outline:3px solid var(--marigold);outline-offset:2px}
h1,h2,h3{font-stretch:82%;letter-spacing:-.01em;line-height:1.15}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 max(20px,env(safe-area-inset-right)) 0 max(20px,env(safe-area-inset-left))}
.skip{position:absolute;left:-999px;top:0;background:var(--ink);color:#fff;padding:10px 14px;z-index:10}
.skip:focus{left:8px;top:8px}

.notice{background:var(--warn-bg);border-bottom:1px solid #EBD9AE;font-size:14px;padding:9px 20px;text-align:center}
.notice strong{font-weight:600}

/* Header */
header.site{background:var(--ink)}
header.site .wrap{display:flex;justify-content:space-between;align-items:center;gap:8px 24px;flex-wrap:wrap;padding-top:14px;padding-bottom:14px}
.brand{font-weight:700;font-size:20px;font-stretch:82%;color:#fff;text-decoration:none;margin:0}
.brand span{color:var(--marigold)}
header.site nav{display:flex;flex-wrap:wrap;gap:4px 22px}
header.site nav a{font-size:15px;text-decoration:none;color:#C9D3DA;padding:4px 0;border-bottom:2px solid transparent}
header.site nav a:hover{color:#fff}
header.site nav a[aria-current]{color:#fff;border-bottom-color:var(--marigold)}
.install{font:inherit;font-size:14px;font-weight:600;color:var(--ink);background:var(--marigold);border:0;border-radius:6px;padding:8px 12px;cursor:pointer;min-height:36px}
.install:hover{background:#FFC657}

/* Home: calculator band */
.band{background:var(--ink);color:#fff;padding:34px 0 150px}
.band h1{font-size:clamp(34px,5.4vw,60px);font-weight:700;margin:0 0 12px;max-width:16em}
.band .lede{color:#C9D3DA;margin:0;max-width:40em}
.desk{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,6fr);gap:28px;align-items:start;margin-top:-120px}

form.calc{background:var(--card);color:var(--ink);border-radius:12px;padding:24px;box-shadow:0 18px 40px -26px rgba(0,0,0,.6)}
form.calc h2{font-size:20px;margin:0 0 16px}
.field{margin:0 0 16px;border:0;padding:0;min-width:0}
.field label,.field legend{display:block;font-weight:600;font-size:15px;margin-bottom:6px;padding:0}
.field small{display:block;color:var(--ink-soft);font-size:13px;margin-top:5px;line-height:1.4}
.field input[type=number],.field input[type=date]{
  width:100%;min-width:0;max-width:100%;font:inherit;padding:11px 13px;border:1px solid #AEB9B1;border-radius:8px;background:#fff;color:var(--ink);min-height:48px
}
.money{position:relative}
.money span{position:absolute;left:13px;top:50%;transform:translateY(-50%);color:var(--ink-soft);font-weight:600;font-size:15px;pointer-events:none}
.money input{padding-left:54px !important}
.row{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:14px}
.seg{display:grid;grid-template-columns:1fr 1fr;border:1px solid #AEB9B1;border-radius:8px;overflow:hidden;background:#fff}
.seg label{margin:0;font-weight:500;cursor:pointer}
.seg input{position:absolute;opacity:0;width:1px;height:1px}
.seg span{display:block;text-align:center;padding:11px 8px;font-size:15px}
.seg label + label span{border-left:1px solid #AEB9B1}
.seg input:checked + span{background:var(--teal);color:#fff;font-weight:600}
.actions{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:10px;margin-top:6px}
.btn,button.go,button.ghost{
  font:inherit;font-weight:600;font-size:16px;padding:13px 18px;border-radius:8px;cursor:pointer;
  text-decoration:none;text-align:center;border:1px solid transparent;min-height:48px
}
.btn,button.go{background:var(--teal);color:#fff}
.btn:hover,button.go:hover{background:var(--teal-dark);color:#fff}
button.ghost{background:transparent;color:var(--ink);border-color:#AEB9B1}
button.ghost:hover{border-color:var(--ink)}
button.ghost[disabled]{opacity:.45;cursor:not-allowed}
.err{color:#A3341F;font-size:14px;font-weight:500;margin:0}
.err:not(:empty){margin-top:12px}

/* The settlement slip: the one memorable element */
.slip{
  background:var(--card);color:var(--ink);border-radius:4px 4px 0 0;padding:26px 26px 30px;position:relative;margin-bottom:12px;
  box-shadow:0 18px 40px -26px rgba(0,0,0,.6);font-variant-numeric:tabular-nums;
}
.slip::after{
  content:"";position:absolute;left:0;right:0;bottom:-12px;height:12px;
  background:linear-gradient(-45deg,transparent 8px,var(--card) 0) 0 0/16px 12px repeat-x,
             linear-gradient(45deg,transparent 8px,var(--card) 0) 0 0/16px 12px repeat-x;
}
.slip-head{display:flex;justify-content:space-between;align-items:baseline;gap:12px;border-bottom:2px solid var(--ink);padding-bottom:10px;margin-bottom:16px}
.slip-head h2{font-size:17px;margin:0}
.slip-head span{font-size:13px;color:var(--ink-soft)}
.total-label{font-size:14px;color:var(--ink-soft);margin:0}
.total{font-size:clamp(40px,6vw,64px);font-weight:700;font-stretch:78%;letter-spacing:-.02em;line-height:1.05;margin:0 0 16px}
.total .cur{font-size:.4em;font-weight:600;color:var(--ink-soft);margin-right:8px;letter-spacing:0}
.facts{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:10px 20px;margin:0 0 18px;padding:14px 0;border-top:2px dashed var(--line);border-bottom:2px dashed var(--line)}
.facts div{min-width:0}
.facts dt{font-size:13px;color:var(--ink-soft)}
.facts dd{margin:0;font-weight:600;font-size:15px}
.slip h3{font-size:15px;margin:0 0 8px}
.ledger-wrap{overflow-x:auto}
table{width:100%;border-collapse:collapse;font-size:15px;font-variant-numeric:tabular-nums}
th,td{padding:8px 10px;text-align:left;border-bottom:1px solid var(--line);white-space:nowrap}
th{font-weight:600;font-size:13px;color:var(--ink-soft)}
.ledger th:first-child,.ledger td:first-child{padding-left:0}
.ledger th:last-child,.ledger td:last-child{text-align:right;padding-right:0}
.ledger .d{white-space:nowrap}
.ledger tfoot td{border-bottom:0;border-top:2px solid var(--ink)}
.ledger tfoot td:first-child{white-space:normal}
.ledger tfoot .sum td{font-weight:700}
.ledger tfoot .cut:not([hidden]) + .sum td{border-top:1px solid var(--line)}
.note{font-size:13.5px;background:var(--warn-bg);border-left:3px solid var(--marigold);padding:9px 12px;margin:12px 0 0;line-height:1.45}
.slip-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:18px}
.slip-actions button{font-size:15px;padding:10px 14px;min-height:44px}
.empty{color:var(--ink-soft);font-size:15px;margin:0}
.fine{font-size:13px;color:var(--ink-soft);margin:14px 0 0}
[hidden]{display:none !important}
@media (prefers-reduced-motion:no-preference){
  .slip.updated{animation:print .45s ease-out}
  @keyframes print{from{transform:translateY(-10px);opacity:.4}to{transform:none;opacity:1}}
}

/* Long-form layout */
.page{max-width:var(--wrap);margin:0 auto;padding:34px 20px 0}
.page > h1{font-size:clamp(30px,4.6vw,48px);margin:0 0 10px;max-width:20em}
.crumbs{font-size:14px;color:var(--ink-soft);margin:0 0 14px}
.crumbs a{color:var(--ink-soft)}
.stamp{font-size:14px;color:var(--ink-soft);margin:0}
.stamp a{color:inherit}
.cols{display:grid;grid-template-columns:230px minmax(0,1fr);gap:48px;align-items:start;margin-top:28px}
.cols > .prose:only-child{grid-column:1/-1}
.home-cols{max-width:var(--wrap);margin:0 auto;padding:44px 20px 0}
.toc{position:sticky;top:20px;font-size:14.5px;border-top:3px solid var(--ink);padding-top:12px}
.toc p{font-weight:700;margin:0 0 8px}
.toc-btn{display:none;width:100%;font:inherit;font-weight:700;text-align:left;color:var(--ink);background:none;border:0;padding:4px 0 10px;cursor:pointer;min-height:44px}
.toc-btn::after{content:"";float:right;width:9px;height:9px;margin:5px 4px 0 0;border-right:2px solid var(--ink);border-bottom:2px solid var(--ink);transform:rotate(45deg)}
.toc.open .toc-btn::after{transform:rotate(-135deg);margin-top:10px}
.toc ol{list-style:none;margin:0;padding:0}
.toc li{margin:0 0 7px;line-height:1.35}
.toc a{color:var(--ink-soft);text-decoration:none}
.toc a:hover{color:var(--ink);text-decoration:underline}

.prose{max-width:44em;min-width:0}
.prose > :first-child{margin-top:0}
.prose h2{font-size:28px;margin:46px 0 12px}
.prose h3{font-size:20px;margin:28px 0 6px}
.prose p,.prose ul,.prose ol{margin:0 0 16px}
.prose ul,.prose ol{padding-left:22px}
.prose li{margin-bottom:6px}
.prose .lead{font-size:19px;color:var(--ink-soft)}
.formula{background:var(--card);border-left:4px solid var(--marigold);padding:14px 18px;font-weight:600;margin:16px 0;font-variant-numeric:tabular-nums}
.tablewrap{overflow-x:auto;border:1px solid var(--line);border-radius:8px;margin:0 0 18px;background:var(--card)}
.tablewrap table th{background:#E9EEEA;color:var(--ink);font-size:14px}
.tablewrap td{white-space:normal}
.tablewrap tr:last-child td{border-bottom:0}
.steps{list-style:none;padding:0 !important;counter-reset:s}
.steps li{counter-increment:s;position:relative;padding:0 0 4px 46px;margin-bottom:14px}
.steps li::before{content:counter(s);position:absolute;left:0;top:0;width:32px;height:32px;border-radius:50%;background:var(--ink);color:#fff;font-weight:700;font-size:15px;display:grid;place-items:center}
.steps strong{display:block}
details{border-bottom:1px solid var(--line);padding:14px 0}
summary{font-weight:600;cursor:pointer}
details p{margin:8px 0 0 !important;color:var(--ink-soft)}
.callout{background:var(--warn-bg);border-left:4px solid var(--marigold);padding:14px 18px;margin:0 0 18px}
.callout p:last-child{margin-bottom:0}
.keypoints{background:var(--card);border-top:3px solid var(--teal);padding:16px 20px 6px;margin:0 0 24px}
.keypoints p{font-weight:700;font-stretch:82%;font-size:18px;margin:0 0 8px}
.keypoints ul{margin-bottom:10px}
table.num td:not(:first-child),table.num th:not(:first-child){text-align:right}
.tablewrap caption{caption-side:bottom;text-align:left;font-size:13px;color:var(--ink-soft);padding:8px 12px}
.letter{background:var(--card);border:1px solid var(--line);border-radius:8px;padding:18px 20px 4px;margin:0 0 18px;font-size:16px}
.chart{background:var(--card);border:1px solid var(--line);border-radius:8px;padding:18px 18px 12px;margin:0 0 22px}
.chart figcaption strong{display:block;font-stretch:82%;font-size:19px}
.chart figcaption span{display:block;font-size:14.5px;color:var(--ink-soft);margin-bottom:12px}
.chart .plot{position:relative;border-radius:4px}
.chart svg{display:block;width:100%;height:auto;font-variant-numeric:tabular-nums;touch-action:pan-y}
.chart svg.narrow{display:none}
.chart text{font-size:12.5px;fill:var(--ink-soft)}
.chart text.lab{fill:var(--ink);font-weight:600}
.chart .tip{position:absolute;transform:translate(12px,-112%);background:var(--ink);color:#fff;border-radius:6px;padding:8px 11px;font-size:13px;line-height:1.4;pointer-events:none;white-space:nowrap;z-index:2}
.chart .tip.flip{transform:translate(calc(-100% - 12px),-112%)}
.chart .tip.below{transform:translate(12px,14px)}
.chart .tip.flip.below{transform:translate(calc(-100% - 12px),14px)}
.chart .tip strong{display:block;font-size:14px}
.chart .tip span{display:block;color:#C9D3DA}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.salarybox{display:flex;align-items:center;gap:10px;flex-wrap:wrap;margin:0 0 14px}
.salarybox label{font-weight:600}
.salarybox .money{flex:0 1 220px}
.salarybox input{width:100%;font:inherit;padding:10px 13px;border:1px solid #AEB9B1;border-radius:8px;background:#fff;color:var(--ink);min-height:46px}
.review{border-top:1px solid var(--line);margin-top:44px;padding-top:16px;font-size:14.5px;color:var(--ink-soft)}
.review p{margin:0}
.sources{font-size:15.5px}
.sources li{margin-bottom:8px}

.index{list-style:none;padding:0 !important;margin:0 0 8px;border-top:3px solid var(--ink)}
.prose h2 + .index{margin-top:14px}
.index li{border-bottom:1px solid var(--line);padding:18px 0;margin:0}
.index a{font-size:21px;font-weight:700;font-stretch:82%;text-decoration:none;color:var(--ink)}
.index a:hover{color:var(--teal-dark);text-decoration:underline}
.index p{margin:4px 0 0;color:var(--ink-soft)}

.cta{background:var(--ink);color:#fff;border-radius:12px;padding:22px 24px;display:flex;justify-content:space-between;align-items:center;gap:18px;flex-wrap:wrap;margin:44px 0 0}
.cta p{margin:0;color:#C9D3DA;font-size:15px}
.cta .cta-title{color:#fff;font-weight:700;font-size:20px;font-stretch:82%}
.cta .btn{background:var(--marigold);color:var(--ink)}
.cta .btn:hover{background:#FFC657;color:var(--ink)}
.related{margin-top:44px}
.related h2{font-size:22px;margin:0 0 10px}
.related ul{list-style:none;padding:0}
.related li{border-bottom:1px solid var(--line);padding:12px 0;margin:0}
.related a{font-weight:600}
.related span{display:block;font-size:15px;color:var(--ink-soft)}
.picks{list-style:none;padding:0 !important;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0 28px;border-top:3px solid var(--ink)}
.picks li{border-bottom:1px solid var(--line);padding:12px 0;margin:0}
.picks a{font-weight:600}
.picks span{display:block;font-size:15px;color:var(--ink-soft)}

/* Bottom tab bar, phones only */
.tabbar{display:none}

/* Footer */
footer.site{background:var(--ink);color:#C9D3DA;margin-top:70px;font-size:15px}
footer.site a{color:#C9D3DA}
footer.site a:hover{color:#fff}
.foot{display:grid;grid-template-columns:1.3fr 1.4fr 1fr;gap:36px;padding-top:40px;padding-bottom:28px}
.foot ul{list-style:none;margin:0;padding:0}
.foot li{margin-bottom:7px;line-height:1.4}
.foot p{margin:0 0 10px}
.foot-h{color:#fff;font-weight:700}
.legal{border-top:1px solid #32475A;padding-top:20px;padding-bottom:28px;font-size:13.5px}
.legal p{margin:0 0 8px;max-width:70em}

@media (max-width:900px){
  .desk{grid-template-columns:minmax(0,1fr)}
  .cols{grid-template-columns:minmax(0,1fr);gap:26px}
  .toc{position:static}
  .js .toc-title{display:none}
  .js .toc-btn{display:block}
  .js .toc:not(.open) ol{display:none}
  .toc ol{padding-bottom:6px}
  .toc li{margin:0;padding:7px 0}
  .foot{grid-template-columns:minmax(0,1fr);gap:24px}
  .picks{grid-template-columns:minmax(0,1fr)}
}
@media (max-width:520px){
  .chart svg.wide{display:none}
  .chart svg.narrow{display:block}
  .chart{padding:14px 12px 8px}
}
@media (max-width:700px){
  header.site nav{display:none}
  header.site .wrap{padding-top:11px;padding-bottom:11px;min-height:58px}
  .notice{font-size:13px;padding:7px 16px}
  .notice .wide{display:none}
  .tabbar{
    display:grid;grid-template-columns:repeat(5,minmax(0,1fr));position:fixed;left:0;right:0;bottom:0;z-index:20;
    background:var(--card);border-top:1px solid var(--line);box-shadow:0 -8px 20px -16px rgba(23,42,58,.55);
    padding:0 env(safe-area-inset-right) env(safe-area-inset-bottom) env(safe-area-inset-left)
  }
  .tabbar a{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:3px;min-height:58px;padding:7px 2px 6px;
    font-size:12px;font-weight:500;line-height:1.1;color:var(--ink-soft);text-decoration:none;border-top:3px solid transparent}
  .tabbar svg{width:24px;height:24px}
  .tabbar a[aria-current]{color:var(--teal-dark);font-weight:700;border-top-color:var(--teal)}
  body{padding-bottom:calc(58px + env(safe-area-inset-bottom))}
  footer.site{margin-top:54px}
}
@media (max-width:460px){
  body{font-size:16px}
  .row{grid-template-columns:minmax(0,1fr)}
  form.calc,.slip{padding:20px 18px 24px}
  .actions{grid-template-columns:minmax(0,1fr)}
  .facts{grid-template-columns:minmax(0,1fr)}
  th,td{padding:8px 7px}
  .ledger{font-size:14.5px}
  .ledger th,.ledger td:nth-child(2){white-space:normal}
}
@media print{
  .notice,header.site,footer.site,.tabbar,form.calc,.slip-actions,.home-cols,.band,.fine{display:none !important}
  body{padding-bottom:0}
  .desk{display:block;margin-top:0}
  .slip{box-shadow:none}
}