:root{--navy:#172d40;--navy-deep:#102536;--ink:#20313d;--muted:#657683;--line:#dce4e8;--paper:#f7f9f8;--teal:#1d8b83;--blue:#4e79af;--peach:#e5a885;--lilac:#a492bf;--radius:22px;scroll-behavior:smooth}*{box-sizing:border-box}body{margin:0;color:var(--ink);font-family:-apple-system,BlinkMacSystemFont,'Apple SD Gothic Neo','Malgun Gothic',sans-serif;background:#fff;line-height:1.75;word-break:keep-all}a{color:inherit;text-decoration:none}button{font:inherit}.skip-link{position:absolute;top:-100px;left:16px;background:#fff;padding:8px 14px;z-index:50}.skip-link:focus{top:8px}.site-header{position:sticky;top:0;background:rgba(255,255,255,.95);backdrop-filter:blur(14px);border-bottom:1px solid #e9eef0;z-index:20}.header-inner{max-width:1280px;margin:auto;padding:15px 36px;display:flex;align-items:center;justify-content:space-between;gap:32px}.brand{display:inline-flex;align-items:center;gap:11px;font-size:14px;line-height:1.2;font-weight:500;letter-spacing:-.055em;color:var(--navy);flex-shrink:0}.brand b{font-size:18px;font-weight:800}.brand-mark{position:relative;width:35px;height:35px;border-radius:11px;background:var(--navy);display:inline-block;overflow:hidden}.brand-mark i{position:absolute;display:block;background:#e4f2e8;height:3px;border-radius:5px;transform:rotate(-40deg)}.brand-mark i:nth-child(1){width:17px;top:13px;left:6px}.brand-mark i:nth-child(2){width:14px;top:17px;left:14px;background:#88ccc4}.brand-mark i:nth-child(3){width:16px;top:24px;left:12px;background:#e8c9a1}.desktop-nav{display:flex;align-items:center;gap:28px;font-size:13px;font-weight:700;color:#52616b}.desktop-nav a{padding:12px 0;white-space:nowrap;border-bottom:2px solid transparent}.desktop-nav a:hover,.desktop-nav a.active{color:var(--teal);border-color:var(--teal)}.menu-toggle{display:none;background:none;border:0;padding:8px;cursor:pointer}.menu-toggle span{display:block;width:23px;height:2px;background:var(--navy);margin:5px 0}.mobile-nav{display:none}main{min-height:60vh}.hero{max-width:1280px;margin:auto;padding:85px 36px 100px;display:grid;grid-template-columns:1.02fr .98fr;gap:45px;align-items:center;min-height:690px}.eyebrow{margin:0 0 20px;text-transform:uppercase;letter-spacing:.15em;font-family:-apple-system,BlinkMacSystemFont,'Apple SD Gothic Neo','Malgun Gothic',sans-serif;font-size:12px;font-weight:800;color:var(--teal)}h1,h2,h3,p{margin-top:0}h1,h2,h3{line-height:1.35;letter-spacing:-.07em}h1{font-size:clamp(42px,4.4vw,67px);font-weight:800;margin-bottom:29px;color:var(--navy)}h1 em,h2 em{font-style:normal;color:var(--teal)}.lead{max-width:600px;font-size:18px;color:#536775;line-height:1.9}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:37px}.button{display:inline-flex;align-items:center;justify-content:center;gap:45px;border-radius:8px;padding:13px 19px;font-size:14px;font-weight:700;transition:transform .2s,background .2s}.button:hover{transform:translateY(-2px)}.button.primary{background:var(--navy);color:#fff}.button.ghost{border:1px solid #bdcbd0;color:var(--navy)}.hero-note{margin:24px 0 0;font-size:12px;color:#85939a}.hero-art{height:500px;border-radius:28px;position:relative;overflow:hidden;background:radial-gradient(circle at 75% 25%,#d4eae1 0,#e9f0ed 28%,#e7eff0 59%,#dce7eb 100%)}.hero-art:before{content:'';position:absolute;inset:32px;border:1px solid rgba(23,45,64,.13);border-radius:22px}.orbit{position:absolute;border:1px solid rgba(31,97,97,.18);border-radius:50%;left:50%;top:50%;transform:translate(-50%,-50%)}.orbit-one{width:325px;height:325px}.orbit-two{width:500px;height:500px}.orb{position:absolute;border-radius:50%;filter:blur(.3px)}.orb-one{width:142px;height:142px;right:45px;top:57px;background:linear-gradient(135deg,#f9f8e9,#b4d9ca);box-shadow:inset -15px -20px 30px #9ac6b3,15px 25px 40px #a4b6b472}.orb-two{width:80px;height:80px;left:66px;bottom:69px;background:linear-gradient(130deg,#e6ccac,#c7aa99);box-shadow:inset -12px -12px 20px #ad8e80,10px 16px 23px #a4b6b460}.art-center{position:absolute;left:50%;top:50%;transform:translate(-50%,-50%);width:270px;height:270px;border-radius:50%;background:rgba(255,255,255,.76);backdrop-filter:blur(12px);display:flex;align-items:center;justify-content:center;flex-direction:column;text-align:center;box-shadow:0 20px 55px #6c929345;border:1px solid #fff}.art-label{font-size:12px;font-weight:700;color:var(--teal);margin-bottom:15px}.art-center strong{font-size:23px;letter-spacing:-.08em;color:var(--navy)}.art-sub{font-size:12px;color:#809095;margin-top:12px}.floating-tag{position:absolute;background:#fff;border-radius:100px;padding:8px 17px;box-shadow:0 8px 25px #90a8a94a;font-size:12px;font-weight:700}.tag-one{left:38px;top:116px}.tag-two{right:35px;bottom:95px}.intro-strip{max-width:1208px;margin:0 auto 120px;padding:29px 37px;border-top:1px solid var(--line);border-bottom:1px solid var(--line);display:grid;grid-template-columns:repeat(3,1fr)}.intro-strip>div{display:grid;grid-template-columns:45px 1fr;column-gap:9px;align-items:start;padding:9px 25px;border-right:1px solid var(--line)}.intro-strip>div:first-child{padding-left:0}.intro-strip>div:last-child{border-right:0}.strip-icon{grid-row:span 2;color:var(--teal);font-family:system-ui;font-weight:700;font-size:14px}.intro-strip strong{font-size:15px}.intro-strip p{font-size:12px;color:var(--muted);margin:3px 0 0}.section{max-width:1280px;margin:0 auto;padding:0 36px 125px}.section-heading{margin-bottom:44px}.section-heading h2,.feature-panel h2,.closing h2{font-size:clamp(30px,3.2vw,47px);color:var(--navy);margin:0 0 14px}.section-heading>p:last-child{color:var(--muted);font-size:15px}.path-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:15px}.path-card{display:flex;flex-direction:column;min-height:308px;border-radius:16px;padding:25px;background:#eef3f6;transition:transform .2s,box-shadow .2s;position:relative;overflow:hidden}.path-card:hover{transform:translateY(-5px);box-shadow:0 18px 30px #1938471c}.path-card:after{content:'';position:absolute;width:140px;height:140px;right:-40px;top:-42px;border-radius:50%;border:1px solid #ffffffaa;box-shadow:0 0 0 30px #ffffff2a,0 0 0 60px #ffffff1d}.path-card.accent-teal{background:#e6f3ee}.path-card.accent-peach{background:#f8ede6}.path-card.accent-lilac{background:#f0ecf5}.path-card.accent-gold{background:#f7f1df}.path-num{font-size:11px;font-weight:800;letter-spacing:.03em;color:#6b8290;margin-bottom:40px}.path-card h3{font-size:20px;position:relative;z-index:1}.path-card p{font-size:13px;color:#667782;margin:4px 0 20px}.path-link{font-size:13px;font-weight:800;margin-top:auto;display:flex;justify-content:space-between}.feature-panel{max-width:1208px;margin:0 auto 130px;padding:60px 68px;background:#e8f1ed;border-radius:22px;display:grid;grid-template-columns:1.25fr .75fr;gap:70px}.feature-panel p:not(.eyebrow){color:#5f7379;font-size:15px;max-width:570px}.text-link{font-size:14px;font-weight:800;color:var(--teal);display:inline-flex;gap:25px;margin-top:19px}.feature-list{border-left:1px solid #c5d9d3;padding-left:30px;align-self:center}.feature-list div{display:flex;align-items:center;gap:18px;border-bottom:1px solid #c5d9d3;padding:13px 0}.feature-list div:last-child{border:0}.feature-list span{font-family:system-ui;font-size:12px;color:var(--teal);font-weight:800}.feature-list p{margin:0!important;font-size:13px!important;color:#304d55!important}.question-section{padding-bottom:120px}.question-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}.question-grid>div{border-top:2px solid var(--navy);padding-top:18px}.question-grid span{font-family:system-ui;font-size:11px;font-weight:800;color:var(--teal)}.question-grid h3{font-size:18px;margin:23px 0 10px}.question-grid p{font-size:13px;color:var(--muted)}.closing{background:var(--navy);color:#fff;text-align:center;padding:80px 25px 90px}.closing .eyebrow{color:#98d8c7}.closing h2{color:#fff}.closing p:not(.eyebrow){color:#b6c4cd;font-size:15px;max-width:620px;margin:0 auto 27px}.button.light{background:#fff;color:var(--navy)}.footer{background:#0f2433;color:#d7e1e4;padding:45px 36px 25px}.footer-inner,.footer-bottom{max-width:1208px;margin:auto;display:flex;justify-content:space-between;gap:20px}.footer-brand{color:#fff}.footer-brand .brand-mark{background:#e9f4ee}.footer-brand .brand-mark i{background:#286867}.footer-brand .brand-mark i:nth-child(2){background:#83bfb5}.footer-brand .brand-mark i:nth-child(3){background:#d0a47e}.footer-inner p{font-size:12px;color:#92a6b0;margin:18px 0 0}.footer-links{display:flex;gap:28px;align-items:start;font-size:12px}.footer-links a:hover{color:#fff}.footer-bottom{border-top:1px solid #31505f;margin-top:55px;padding-top:21px;color:#91a3ad;font-size:11px}.article-hero{background:#eaf0f4;padding:84px max(36px,calc((100vw - 1208px)/2)) 85px}.article-hero.teal{background:#e7f3ef}.article-hero.peach{background:#f8eee7}.article-hero.lilac{background:#f0edf6}.article-hero.dark{background:var(--navy);color:#fff}.article-hero.light{background:#f4f6f5}.article-hero h1{font-size:clamp(39px,4vw,59px);max-width:1000px;margin-bottom:18px}.article-hero.dark h1{color:#fff}.article-hero>p:last-child{font-size:16px;max-width:790px;margin:0;color:#536b77}.article-hero.dark>p:last-child{color:#c1d0d6}.article-layout{max-width:1208px;padding:65px 0 130px;margin:auto;display:grid;grid-template-columns:210px minmax(0,1fr);gap:75px}.toc{position:sticky;top:110px;align-self:start;display:flex;flex-direction:column;border-left:1px solid #d5e0e3;padding-left:18px;font-size:13px;gap:15px;color:#647580}.toc strong{color:var(--navy);margin-bottom:8px}.toc a:hover{color:var(--teal)}.article-content{max-width:790px}.article-content section:not(.sources){padding-bottom:36px;margin-bottom:47px;border-bottom:1px solid #e0e8eb;scroll-margin-top:115px}.article-content h2{font-size:29px;margin-bottom:20px;color:var(--navy)}.article-content p{font-size:16px;color:#4c606c;line-height:2}.article-content a:not(.inline-link){color:#157d75;text-decoration:underline;text-underline-offset:3px}.section-index{color:var(--teal);font-family:system-ui;font-weight:800;font-size:13px;display:block;margin-bottom:16px}.callout{background:#eff6f3;border-left:3px solid var(--teal);padding:22px 25px;border-radius:0 9px 9px 0;margin:26px 0;font-size:14px;color:#365759}.inline-link{display:inline-flex;color:var(--teal);font-weight:800;font-size:14px;border-bottom:1px solid var(--teal);padding-bottom:3px;margin-top:6px}.check-list{list-style:none;padding:0;margin:16px 0 28px}.check-list li{position:relative;padding:9px 0 9px 27px;border-bottom:1px solid #e7edef;color:#4c606c;font-size:15px}.check-list li:before{content:'✓';position:absolute;left:0;color:var(--teal);font-weight:800}.sources{background:#f4f7f6;border-radius:14px;padding:27px 30px}.sources h2{font-size:20px}.sources p{font-size:13px}.sources ul{padding-left:19px;margin:12px 0 0}.sources li{font-size:14px;margin:5px 0}.sources a{text-decoration:none!important}.compare-wrap{max-width:1208px;margin:auto;padding:74px 0 130px}.table-scroll{overflow-x:auto;border:1px solid #dce7e7;border-radius:15px}.compare-table{border-collapse:collapse;width:100%;min-width:750px;text-align:left}.compare-table th,.compare-table td{padding:22px 20px;border-bottom:1px solid #e1e9eb;font-size:14px;vertical-align:top}.compare-table thead{background:#ecf4f1;color:#27484b}.compare-table thead th{font-size:12px}.compare-table tbody th{white-space:nowrap;color:var(--navy)}.compare-table tbody tr:last-child th,.compare-table tbody tr:last-child td{border-bottom:0}.compare-note{margin:27px 0 75px;padding:23px 26px;background:#f2f6f5;border-radius:10px;display:flex;gap:30px;align-items:start}.compare-note span{white-space:nowrap;color:var(--teal);font-weight:800;font-size:13px}.compare-note p{font-size:14px;margin:0;color:#586c75}.compare-columns{display:grid;grid-template-columns:1fr 1fr;gap:80px}.compare-columns h2{font-size:27px;color:var(--navy)}.resource-links{display:grid;gap:10px}.resource-links a{border:1px solid #d8e4e6;border-radius:10px;padding:16px 20px;display:flex;justify-content:space-between;gap:10px;font-size:13px}.resource-links a:hover{border-color:var(--teal)}.resource-links span{color:var(--teal)}.policy-content{max-width:800px;padding:68px 20px 130px;margin:auto}.policy-content section{border-bottom:1px solid var(--line);padding:10px 0 30px;margin-bottom:27px}.policy-content h2{font-size:24px}.policy-content p{color:#526571;font-size:15px;line-height:2}
@media(max-width:1100px){.desktop-nav{gap:15px;font-size:12px}.hero{gap:15px}.path-grid{grid-template-columns:repeat(3,1fr)}.article-layout,.compare-wrap{margin-left:35px;margin-right:35px}.feature-panel{margin-left:35px;margin-right:35px}}@media(max-width:760px){.header-inner{padding:12px 20px}.desktop-nav{display:none}.menu-toggle{display:block}.mobile-nav:not([hidden]){display:flex;flex-direction:column;padding:12px 20px 23px;border-top:1px solid #e9eef0;gap:4px}.mobile-nav a{padding:10px;font-size:14px}.mobile-nav a.active{color:var(--teal);font-weight:800}.hero{display:block;padding:65px 23px 60px;min-height:auto}.hero h1{font-size:41px}.lead{font-size:15px}.hero-art{height:330px;margin-top:47px}.art-center{width:190px;height:190px}.art-center strong{font-size:17px}.orb-one{width:90px;height:90px;right:30px;top:42px}.orb-two{width:55px;height:55px;left:40px;bottom:48px}.floating-tag{font-size:10px}.intro-strip{margin:0 23px 90px;padding:16px 0;grid-template-columns:1fr}.intro-strip>div,.intro-strip>div:first-child{border-right:0;border-bottom:1px solid var(--line);padding:16px 5px}.intro-strip>div:last-child{border-bottom:0}.section{padding:0 23px 90px}.section-heading{margin-bottom:30px}.section-heading h2,.feature-panel h2,.closing h2{font-size:33px}.path-grid{grid-template-columns:repeat(2,1fr)}.path-card{min-height:265px;padding:19px}.path-card h3{font-size:18px}.path-num{margin-bottom:24px}.feature-panel{display:block;padding:37px 26px;margin:0 23px 90px}.feature-list{margin-top:35px;padding-left:16px}.question-grid{grid-template-columns:repeat(2,1fr)}.footer-inner,.footer-bottom{display:block}.footer-links{flex-wrap:wrap;margin-top:32px}.footer-bottom span{display:block;margin-top:7px}.article-hero{padding:62px 23px}.article-hero h1{font-size:39px}.article-hero>p:last-child{font-size:14px}.article-layout{display:block;padding:35px 23px 90px;margin:0}.toc{position:static;flex-direction:row;gap:12px;overflow-x:auto;white-space:nowrap;border-left:0;border-bottom:1px solid var(--line);padding:0 0 15px;margin-bottom:48px}.toc strong{display:none}.article-content h2{font-size:25px}.article-content p{font-size:15px}.compare-wrap{padding:50px 23px 90px;margin:0}.compare-note{display:block}.compare-note p{margin-top:8px}.compare-columns{grid-template-columns:1fr;gap:35px}.resource-links a{display:block}.resource-links span{display:block;margin-top:4px}}@media(max-width:500px){.path-grid,.question-grid{grid-template-columns:1fr}.path-card{min-height:205px}.path-num{margin-bottom:17px}.path-card p{margin-bottom:10px}.hero-art{height:290px}.art-center{width:165px;height:165px}.floating-tag.tag-one{left:13px;top:52px}.floating-tag.tag-two{right:11px;bottom:45px}.orbit-one{width:240px;height:240px}.orbit-two{width:375px;height:375px}}
.scenario-section{max-width:1208px;margin:0 auto 130px;padding:0 36px}.scenario-heading{max-width:730px;margin-bottom:35px}.scenario-heading h2{font-size:clamp(30px,3vw,43px);color:var(--navy);margin-bottom:12px}.scenario-heading p:last-child{color:var(--muted);font-size:15px}.scenario-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.scenario-grid article{border:1px solid #dce7e8;border-radius:16px;padding:27px;display:flex;flex-direction:column;min-height:300px;background:#fbfdfc}.scenario-grid article span{font-size:11px;color:var(--teal);font-weight:800;margin-bottom:28px}.scenario-grid h3{font-size:19px;color:var(--navy);margin-bottom:14px}.scenario-grid p{font-size:13px;color:#60717b;line-height:1.8}.scenario-grid a{font-size:12px;color:var(--teal);font-weight:800;margin-top:6px}.scenario-grid a:first-of-type{margin-top:auto}.scenario-disclaimer{font-size:12px;color:#7a8b91;margin:18px 0 0}@media(max-width:760px){.scenario-section{padding:0 23px;margin-bottom:90px}.scenario-grid{grid-template-columns:1fr}.scenario-grid article{min-height:auto}.scenario-grid article span{margin-bottom:18px}}
.reading-section{padding-bottom:130px}.reading-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.reading-card{display:flex;flex-direction:column;min-height:240px;border:1px solid #dce7e8;border-radius:16px;padding:27px;background:#fbfdfc;transition:transform .2s,box-shadow .2s}.reading-card:hover{transform:translateY(-4px);box-shadow:0 15px 30px #19384718}.reading-card>span{font-size:11px;font-weight:800;color:var(--teal);letter-spacing:.04em}.reading-card h3{font-size:21px;color:var(--navy);margin:23px 0 12px}.reading-card p{font-size:13px;color:var(--muted);line-height:1.8}.reading-card b{font-size:12px;color:var(--teal);margin-top:auto}.related-reads{padding:23px 0 0}.related-reads h2{font-size:21px!important;margin-bottom:14px}.related-reads a{display:flex;justify-content:space-between;gap:15px;padding:14px 0;border-bottom:1px solid #e1e9eb;color:var(--teal);font-size:14px;font-weight:700}.related-reads a span{flex-shrink:0}.article-content .review-date{font-size:12px;color:#82919a;margin:-10px 0 38px;padding-bottom:17px;border-bottom:1px solid #e1e9eb}@media(max-width:900px){.reading-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:760px){.reading-section{padding-bottom:90px}}@media(max-width:550px){.reading-grid{grid-template-columns:1fr}.reading-card{min-height:205px}}
.answers-section{padding-top:0}.answers-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.answer-card{min-height:260px;display:flex;flex-direction:column;padding:27px;border:1px solid #dce7e8;border-radius:16px;background:#f9fcfb}.answer-card>span,.lead-answer>span{font-size:11px;font-weight:800;letter-spacing:.08em;color:var(--teal)}.answer-card h3{font-size:20px;color:var(--navy);margin:19px 0 12px}.answer-card p{font-size:14px;color:#526773;line-height:1.85}.answer-card a{color:var(--teal);font-size:12px;font-weight:800;margin-top:auto}.lead-answer{max-width:1208px;margin:55px auto 0;padding:27px 32px;border-left:4px solid var(--teal);background:#f0f7f4;border-radius:0 12px 12px 0}.lead-answer h2{font-size:25px;color:var(--navy);margin:12px 0}.lead-answer p{font-size:15px;color:#4c606c;margin:0;line-height:1.9}.lead-answer+.article-layout{padding-top:58px}@media(max-width:900px){.answers-grid{grid-template-columns:repeat(2,1fr)}.lead-answer{margin-left:35px;margin-right:35px}}@media(max-width:760px){.answers-grid{grid-template-columns:1fr}.answer-card{min-height:auto}.lead-answer{margin:28px 23px 0;padding:23px}.lead-answer h2{font-size:22px}.lead-answer+.article-layout{padding-top:40px}}
.article-hero:has(+ .lead-answer){padding-top:60px;padding-bottom:60px}.article-hero:has(+ .lead-answer)+.lead-answer{margin-top:32px}
.practical-answers{border-top:1px solid #dce5ea;margin-top:3.2rem;padding-top:2.4rem}.practical-answers>h2{margin:0 0 .7rem;color:#172d40;font-size:1.75rem;line-height:1.3}.practical-answers>p{margin:0 0 1.5rem;color:#506271}.practical-question{padding:1.35rem 0;border-top:1px solid #e6edf1}.practical-question h3{margin:0 0 .65rem;color:#172d40;font-size:1.14rem;line-height:1.45}.practical-question p{margin:.55rem 0;line-height:1.75}.practical-question p strong{color:#234c61}.practical-question .answer-condition{margin-top:.75rem;padding:.8rem 1rem;border-left:3px solid #97bcc0;background:#f3f8f7;color:#405864}
.detailed-answer{margin-top:2.8rem;padding-top:2rem;border-top:1px solid #dce5ea}.detailed-answer h2{color:#172d40;font-size:1.7rem;line-height:1.35}.detailed-answer h3{color:#172d40;font-size:1.18rem;margin:1.4rem 0 .55rem}.detailed-answer p{line-height:1.8}.detailed-answer ol{padding-left:1.5rem;line-height:1.8}.detailed-answer li{padding-left:.25rem;margin:.4rem 0}.example-panel{background:#f2f7f7;border:1px solid #dbe9e9;border-radius:14px;padding:1.15rem 1.25rem;margin:1.4rem 0;overflow-x:auto}.example-panel>p:first-child{margin-top:0}.example-panel>p:last-child{margin-bottom:0}.example-panel table{width:100%;border-collapse:collapse;margin:.8rem 0;font-size:.94rem}.example-panel th,.example-panel td{border:1px solid #bfd1d4;padding:.65rem .75rem;text-align:left;vertical-align:top}.example-panel thead th{background:#e3eff0;color:#173547}.example-panel tbody th{font-weight:700;color:#25495a}
.topic-group-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}.topic-group{background:#eef4f6;border:1px solid #dce7eb;border-radius:18px;padding:32px;min-height:310px}.topic-group.debt{background:#eaf5f0;border-color:#d9e9e0}.topic-group>span,.hub-topic>span{display:block;color:#1b8179;font-size:12px;font-weight:800;letter-spacing:.04em;margin-bottom:18px}.topic-group h3{font-size:25px;color:#172d40;margin-bottom:10px}.topic-group p{color:#526874;font-size:14px;margin-bottom:22px}.topic-group-main{display:inline-block;color:#126e69;font-weight:800;font-size:15px;border-bottom:1px solid currentColor;margin-bottom:26px}.topic-group>div{display:flex;gap:10px;flex-wrap:wrap}.topic-group>div a{border:1px solid #b8d3d1;border-radius:100px;padding:6px 13px;font-size:12px;font-weight:700;color:#295460;background:#fff}.hub-content{max-width:1000px;margin:0 auto;padding:60px 25px 115px}.hub-topic{border-top:1px solid #dce7e8;padding:32px 0}.hub-topic h2{font-size:27px;color:#172d40;margin-bottom:12px}.hub-topic p{color:#506570;font-size:15px;line-height:1.85;max-width:800px}.hub-links{display:flex;gap:10px;flex-wrap:wrap;margin-top:22px}.hub-links a{display:inline-block;background:#edf5f3;color:#176f69;border-radius:8px;padding:9px 14px;font-size:13px;font-weight:800}.hub-links a:hover{background:#dcece8}.hub-content .sources{margin-top:35px}@media(max-width:760px){.topic-group-grid{grid-template-columns:1fr}.topic-group{min-height:0;padding:25px}.topic-group h3{font-size:22px}.hub-content{padding:42px 23px 80px}.hub-topic h2{font-size:23px}}
.topic-group-grid{grid-template-columns:repeat(3,minmax(0,1fr))}.topic-group.property{background:#f4f3ec;border-color:#e7e3d5}@media(max-width:1100px){.desktop-nav{gap:12px;font-size:11px}.topic-group-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}@media(max-width:760px){.topic-group-grid{grid-template-columns:1fr}}
.editorial-byline{display:flex;flex-wrap:wrap;align-items:center;gap:.35rem .8rem;margin:0 0 1.5rem;padding:.9rem 1rem;border:1px solid #dbe5e8;border-radius:12px;background:#f6fafb;color:#425968;font-size:.88rem;line-height:1.6}
.editorial-byline strong{color:#17364a}
.editorial-byline span{flex-basis:100%}
.editorial-byline a{font-weight:700;color:#176c77}
.home-hero{display:block;min-height:0;padding-top:72px;padding-bottom:72px}
.home-hero .hero-copy{max-width:900px}
.home-hero h1{margin-bottom:20px}
.home-hero .hero-actions{margin-top:30px}
.home-latest{padding-bottom:100px}
@media(max-width:760px){.home-hero{padding:52px 23px 56px}.home-hero h1{font-size:clamp(34px,9vw,45px)}.home-hero .lead{font-size:16px}.home-latest{padding-bottom:70px}}
.original-analysis{margin:3rem 0 2rem;padding:2rem;border:1px solid #cbdfe0;border-radius:16px;background:#f8fbfa}.original-analysis h2{font-size:1.6rem;color:var(--navy)}.original-analysis p{line-height:1.85}.analysis-kicker{font-size:.75rem;font-weight:800;letter-spacing:.04em;color:#166c67}.analysis-note{font-size:.86rem;color:#536b75}.calculator-form{margin:1.5rem 0;padding:1.3rem;border-radius:12px;background:#fff;border:1px solid #d8e5e5}.calculator-fields{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.9rem}.calculator-fields label{display:flex;flex-direction:column;gap:.35rem;font-size:.85rem;font-weight:700;color:#284657}.calculator-fields input{width:100%;border:1px solid #a9c0c6;border-radius:8px;padding:.65rem .75rem;font:inherit;color:#18394b;background:#fff}.calculator-fields input:focus{outline:2px solid #1d8b83;outline-offset:1px}.calculator-form button{margin:1rem 0;padding:.7rem 1.1rem;border:0;border-radius:8px;background:#176f69;color:#fff;font-weight:800;cursor:pointer}.calculator-form output{display:block;padding:1rem;background:#eef6f3;border-left:3px solid #1d8b83;font-size:.92rem;line-height:1.7}.original-analysis a{color:#116e78;text-decoration:underline;text-underline-offset:3px}@media(max-width:760px){.original-analysis{padding:1.2rem}.calculator-fields{grid-template-columns:1fr}}
.home-calculator{padding-bottom:75px}.home-calculator .section-heading{margin-bottom:22px}.home-calculator-panel{max-width:840px;border:1px solid #dbe8e7;border-radius:18px;padding:26px;background:#f7fbfa}.home-calculator-panel .calculator-form{margin:0 0 1rem}.home-calculator-panel .analysis-note{margin:0}.calculator-fields select{width:100%;border:1px solid #a9c0c6;border-radius:8px;padding:.65rem .75rem;font:inherit;color:#18394b;background:#fff}.calculator-fields select:focus{outline:2px solid #1d8b83;outline-offset:1px}@media(max-width:760px){.home-calculator{padding-bottom:65px}.home-calculator-panel{padding:14px}}
.compare-decision{margin:40px 0 55px}.compare-decision>p{color:#4c606c;font-size:15px;line-height:1.8;max-width:900px}.compare-decision .example-panel{overflow-x:auto}.compare-decision table{width:100%;min-width:690px;border-collapse:collapse}.compare-decision th,.compare-decision td{border:1px solid #dce7e7;padding:13px 15px;text-align:left;vertical-align:top;font-size:14px;line-height:1.6}.compare-decision thead th{background:#ecf4f1}.compare-decision tbody th{width:28%;color:var(--navy)}.compare-decision a{color:#157d75;text-decoration:underline;text-underline-offset:3px}.compare-sources{max-width:1208px;margin:0 auto 100px;padding:0 36px}.compare-reviewed{font-size:12px;color:#60747e;margin-top:15px}@media(max-width:760px){.compare-sources{padding:0 23px;margin-bottom:80px}}
:where(a,button,input,select):focus-visible{outline:3px solid #11776f;outline-offset:3px}
@media(prefers-reduced-motion:reduce){:root{scroll-behavior:auto}*,*::before,*::after{transition-duration:.01ms!important;animation-duration:.01ms!important}}