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:root{--midnight:#081217;--navy:#0d1a20;--navy-raised:#15272d;--gold:#b98a4a;--gold-soft:#d7b77b;--ivory:#f4f1ea;--warm-white:#fbfaf7;--charcoal:#171a1c;--muted:#a7b0b1;--stone:#d7d4ce;--clay:#cc8069;--container:1320px;--font-display:"Cormorant Garamond", Georgia, serif;--font-ui:"Manrope", Arial, sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth;background:var(--midnight)}body{color:var(--ivory);background:var(--midnight);font-family:var(--font-ui);margin:0;font-size:16px;line-height:1.6}a{color:inherit;text-decoration:none}button,input,select,textarea{font:inherit}button,a{-webkit-tap-highlight-color:transparent}img{max-width:100%;height:auto}h1,h2,h3,h4,p{margin-top:0}h1,h2,h3{font-family:var(--font-display);text-wrap:balance}h1{letter-spacing:-.025em;font-size:clamp(3rem,6vw,4.75rem);line-height:.98}h2{letter-spacing:-.02em;font-size:clamp(2.1rem,4vw,3rem);line-height:1.06}h3{font-size:1.55rem;line-height:1.15}:focus-visible{outline:2px solid var(--gold-soft);outline-offset:4px}::selection{background:var(--gold);color:var(--midnight)}.srOnly{clip:rect(0,0,0,0);white-space:nowrap;border:0;width:1px;height:1px;margin:-1px;padding:0;position:absolute;overflow:hidden}.skipLink{z-index:100;background:var(--ivory);color:var(--midnight);border-radius:6px;padding:10px 16px;position:fixed;top:10px;left:10px;transform:translateY(-150%)}.skipLink:focus{transform:translateY(0)}.contentWidth{width:min(var(--container), calc(100% - 96px));margin-inline:auto}.eyebrow,.panelKicker{color:var(--gold-soft);letter-spacing:.17em;text-transform:uppercase;font-size:.72rem;font-weight:700;line-height:1.4}.button{white-space:nowrap;cursor:pointer;border:1px solid #0000;border-radius:6px;justify-content:center;align-items:center;min-height:46px;padding:11px 20px;font-size:.84rem;font-weight:700;line-height:1.2;transition:transform .15s,background .15s,border-color 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72px));align-items:center;gap:24px;height:100%;margin-inline:auto;display:flex}.siteLogo{align-items:center;gap:10px;min-width:224px;min-height:46px;display:inline-flex}.siteLogo img{flex:none;width:40px;height:40px}.siteLogo span{flex-direction:column;display:flex}.siteLogo strong{letter-spacing:.1em;white-space:nowrap;font-size:.86rem;line-height:1.1}.siteLogo small{color:#c4c8c7;letter-spacing:.12em;white-space:nowrap;font-size:.625rem;line-height:1.4}.desktopNav{white-space:nowrap;align-items:center;gap:21px;margin-left:auto;display:flex}.desktopNav a{color:#d6dad8;font-size:.73rem;font-weight:600;position:relative}.desktopNav a:hover,.desktopNav a.active{color:var(--gold-soft)}.desktopNav a.active:after{content:"";background:var(--gold);height:1px;position:absolute;bottom:-9px;left:0;right:0}.headerCta{margin-left:4px}.menuButton{width:46px;height:46px;color:var(--ivory);background:var(--navy);cursor:pointer;border:1px solid #d7b77b73;border-radius:6px;justify-content:center;align-items:center;display:none}.mobileMenuLayer{z-index:50;position:fixed;inset:0}.menuBackdrop{background:#0000008f;border:0;width:100%;position:absolute;inset:0}.mobileMenu{width:min(420px,92vw);height:100dvh;padding:max(18px, env(safe-area-inset-top)) max(20px, env(safe-area-inset-right)) max(28px, env(safe-area-inset-bottom)) max(20px, env(safe-area-inset-left));background:var(--navy);border-left:1px solid #d7b77b47;position:absolute;top:0;right:0;overflow-y:auto}.mobileMenuTop{justify-content:space-between;align-items:center;display:flex}.mobileMenu .menuButton{display:inline-flex}.mobileMenuTitle{color:var(--gold-soft);letter-spacing:.15em;text-transform:uppercase;margin:36px 0 8px;font-size:.75rem}.mobileMenu nav{display:grid}.mobileMenu nav a{min-height:52px;font-family:var(--font-display);border-bottom:1px solid #ffffff14;align-items:center;font-size:1.5rem;display:flex}.mobileMenu .button{width:100%;margin-top:28px}.mobileMenuNote{color:var(--muted);margin-top:18px;font-size:.75rem}.siteFooter{padding:72px max(48px, calc((100vw - var(--container)) / 2)) 26px;background:#061015;border-top:1px solid #ffffff12}.footerGrid{grid-template-columns:minmax(260px,1.5fr) repeat(3,1fr);gap:54px;display:grid}.footerBrand p{max-width:38ch;color:var(--muted);font-size:.86rem}.siteFooter nav{flex-direction:column;gap:8px;display:flex}.siteFooter nav h2{color:var(--ivory);font-family:var(--font-ui);letter-spacing:.08em;text-transform:uppercase;margin-bottom:6px;font-size:.78rem}.siteFooter nav a{color:var(--muted);font-size:.78rem}.siteFooter nav a:hover{color:var(--gold-soft)}.footerDisclosure{color:#a6aeae;border-top:1px solid #ffffff14;border-bottom:1px solid #ffffff14;margin-top:58px;padding:22px 0;font-size:.74rem}.footerDisclosure a{color:var(--gold-soft);text-decoration:underline}.footerBottom{color:#778286;justify-content:space-between;gap:24px;padding-top:22px;font-size:.7rem;display:flex}.editorialHero{background:var(--navy);align-items:flex-end;min-height:440px;display:flex;position:relative;overflow:hidden}.editorialHero.withImage{min-height:min(620px,100dvh - 72px)}.editorialHeroImage{object-fit:cover;object-position:center}.editorialHeroScrim{background:linear-gradient(90deg,#081217fa 0%,#081217b8 48%,#08121733 100%),linear-gradient(#0000 45%,#081217cc);position:absolute;inset:0}.editorialHeroInner{z-index:1;padding-block:84px 72px;position:relative}.editorialHeroInner h1{max-width:780px;margin:10px 0 18px}.editorialHeroInner>p:not(.eyebrow){color:#d0d6d5;max-width:700px;font-size:1.05rem;line-height:1.7}.editorialHeroInner .button{margin-top:12px}.contentSection{background:var(--midnight);padding:88px 0}.contentSection+.contentSection{border-top:1px solid #ffffff0f}.contentSection h2{max-width:820px;margin-bottom:14px}.sectionIntro{color:#b9c1c1;max-width:72ch;font-size:1rem}.lightSection{color:var(--charcoal);background:var(--ivory)}.lightSection .sectionIntro{color:#4d5657}.proseGrid{grid-template-columns:repeat(2,minmax(0,1fr));gap:44px 64px;margin-top:44px;display:grid}.proseGrid h3{margin-bottom:8px}.proseGrid p,.articleBody p,.articleBody li{color:#b9c1c1}.lightSection .proseGrid p,.lightSection .articleBody p,.lightSection .articleBody li{color:#424a4b}.articleBody{max-width:78ch}.articleBody h2{margin-top:68px}.articleBody h3{margin-top:40px}.articleBody a{color:var(--gold-soft);text-underline-offset:3px;text-decoration:underline}.lightSection .articleBody a{color:#805c2d}.comparisonTable{border-collapse:collapse;width:100%;margin-top:34px;font-size:.8rem}.comparisonTable th,.comparisonTable td{text-align:left;vertical-align:top;border-bottom:1px solid #ffffff1a;padding:15px 14px}.comparisonTable th{color:var(--gold-soft);font-weight:700}.lightSection .comparisonTable th,.lightSection .comparisonTable td{border-color:#171a1c21}.lightSection .comparisonTable th{color:#76552c}.tableScroller{width:100%;overflow-x:auto}.faqList{border-top:1px solid #ffffff24;max-width:940px;margin-top:34px}.faqList details{border-bottom:1px solid #ffffff24}.faqList summary{cursor:pointer;justify-content:space-between;align-items:center;gap:18px;min-height:58px;font-weight:700;list-style:none;display:flex}.faqList summary:after{content:"+";color:var(--gold-soft);font-size:1.2rem}.faqList details[open] summary:after{content:"−"}.faqList details p{color:#b9c1c1;max-width:76ch;padding:0 0 22px}.lightSection .faqList,.lightSection .faqList details{border-color:#171a1c29}.lightSection .faqList details p{color:#424a4b}.formulaBlock{max-width:900px;color:var(--ivory);background:var(--navy);border:1px solid #b98a4a3d;border-radius:12px;margin:30px 0;padding:28px}.formulaBlock code{color:var(--gold-soft);background:#071014;border-radius:6px;margin:14px 0 20px;padding:15px;font-size:.9rem;display:block;overflow-x:auto}.finalCta{width:min(var(--container), calc(100% - 96px));background:var(--navy);border:1px solid #b98a4a4d;border-radius:12px;justify-content:space-between;align-items:center;gap:32px;margin:64px auto;padding:38px 42px;display:flex}.finalCta h2{margin-bottom:6px}.finalCta p{max-width:62ch;color:var(--muted);margin-bottom:0}.workbench{width:min(var(--container), calc(100% - 72px));grid-template-columns:minmax(420px,.82fr) minmax(580px,1.18fr);align-items:stretch;gap:16px;margin:0 auto;scroll-margin-top:94px;display:grid}.workbench.compact{grid-template-columns:1fr;width:100%}.calculatorPanel{color:var(--ivory);background:#0d1a20f7;border:1px solid #b98a4a4d;border-radius:12px;padding:28px}.calculatorHeader{justify-content:space-between;align-items:flex-start;gap:18px;margin-bottom:24px;display:flex}.calculatorHeader h2{margin:2px 0 0;font-size:2rem}.modeSwitch{border:1px solid #ffffff1a;border-radius:8px;gap:4px;padding:3px;display:flex}.modeSwitch button{min-height:38px;color:var(--muted);cursor:pointer;background:0 0;border:0;border-radius:5px;padding:6px 13px}.modeSwitch button[aria-pressed=true]{color:var(--gold-soft);background:#b98a4a21;box-shadow:inset 0 0 0 1px #b98a4a99}.modeSwitch button:disabled{opacity:.5;cursor:not-allowed}.fieldGrid{grid-template-columns:repeat(2,minmax(0,1fr));gap:15px 16px;display:grid}.field{color:#c7cecd;gap:7px;min-width:0;font-size:.74rem;display:grid}.field small{color:#8f9a9b}.inputWrap{min-height:46px;color:var(--muted);background:#00000029;border:1px solid #ffffff1a;border-radius:6px;align-items:center;gap:6px;transition:border-color .15s,box-shadow .15s;display:flex}.inputWrap:focus-within{border-color:var(--gold);box-shadow:0 0 0 2px #b98a4a29}.inputWrap input{width:100%;min-width:0;height:44px;color:var(--ivory);font-variant-numeric:tabular-nums;background:0 0;border:0;outline:0;padding:0 12px}.inputWrap b{color:var(--muted);white-space:nowrap;padding-right:12px;font-size:.72rem;font-weight:500}.advancedToggle{color:#d4d9d7;cursor:pointer;background:0 0;border:0;align-items:center;gap:8px;min-height:44px;margin:12px 0;padding:0;display:inline-flex}.advancedToggle svg{transition:transform .15s}.advancedToggle svg.rotate{transform:rotate(180deg)}.advancedFields{background:#0000001f;border-radius:8px;margin:2px 0 10px;padding:18px}.formActions{gap:10px;margin-top:20px;display:flex}.formActions .button:first-child{flex:1}.formNote{color:#9ca6a6;align-items:flex-start;gap:8px;margin:18px 0 0;font-size:.69rem;display:flex}.formNote svg{color:var(--gold-soft);flex:none}.formError{color:#ffd9ce;background:#cc806929;border-radius:6px;margin:14px 0 0;padding:10px 12px;font-size:.77rem}.resultsCanvas{min-height:100%;color:var(--charcoal);background:var(--ivory);border-radius:16px;outline:none;padding:30px;box-shadow:0 24px 70px 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