:root{--white: #ffffff;--mist: #eef4f0;--ledger: #f4f9f6;--line: #d8e3dd;--line-strong: #b9cdc2;--ink: #15211c;--ink-2: #2f3c36;--muted: #5a6862;--pine: #0b5d45;--pine-hover: #084a37;--pine-deep: #07352a;--mint: #cfe6da;--mint-ink: #a9c9b9;--red: #c3283a;--font-display: "Newsreader", "Iowan Old Style", Georgia, serif;--font-body: "Public Sans", system-ui, -apple-system, "Segoe UI", sans-serif;--container: 74rem;--gutter: clamp(1rem, 4vw, 2.5rem);--measure: 42rem;--header-h: 4.25rem;--r-sm: 6px;--r-md: 10px;--r-lg: 14px}*{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:calc(var(--header-h) + 1.5rem)}body{margin:0;font-family:var(--font-body);font-size:17px;line-height:1.65;color:var(--ink-2);background:var(--white);-webkit-font-smoothing:antialiased}::selection{background:var(--mint);color:var(--ink)}img{max-width:100%;height:auto}:focus-visible{outline:3px solid var(--pine);outline-offset:3px;border-radius:4px}h1,h2,h3{font-family:var(--font-display);font-optical-sizing:auto;color:var(--ink);font-weight:600;text-wrap:balance}h1{font-size:clamp(2.35rem,1.6rem + 3vw,3.6rem);line-height:1.06;letter-spacing:-.018em;margin:0 0 1rem;max-width:20ch}h2{font-size:clamp(1.55rem,1.35rem + .8vw,1.85rem);line-height:1.2;letter-spacing:-.01em;margin:3.25rem 0 .9rem}h3{font-size:1.3rem;line-height:1.3;margin:1.75rem 0 .5rem}p{margin:0 0 1.1rem}strong{color:var(--ink);font-weight:650}.lede{font-size:clamp(1.1rem,1rem + .4vw,1.25rem);line-height:1.55;color:var(--muted);max-width:40rem}.muted{color:var(--muted);font-size:.93rem}a{color:var(--pine);text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:.18em;text-decoration-color:color-mix(in srgb,currentColor 40%,transparent)}a:hover{color:var(--pine-hover);text-decoration-color:currentColor;text-decoration-thickness:2px}.container,.wrap{width:100%;max-width:calc(var(--container) + 2 * var(--gutter));margin-inline:auto;padding-inline:var(--gutter)}.wrap{padding-top:2.5rem}.wrap:has(>.page-head){padding-top:0}.wrap>p,.wrap>ul,.wrap>ol,.wrap>h2,.wrap>.disclosure{max-width:var(--measure)}.wrap>h1{margin-top:.5rem}.skip{position:absolute;left:1rem;top:-4rem;z-index:100;background:var(--pine);color:var(--white);padding:.6rem 1rem;border-radius:var(--r-sm);font-weight:600}.skip:focus{top:.75rem;color:var(--white)}header.site{position:sticky;top:0;z-index:50;background:color-mix(in srgb,var(--white) 90%,transparent);backdrop-filter:saturate(1.5) blur(14px);-webkit-backdrop-filter:saturate(1.5) blur(14px);border-bottom:1px solid var(--line)}.nav{display:flex;align-items:center;gap:1.5rem;min-height:var(--header-h)}.brand{display:inline-flex;align-items:center;gap:.6rem;font-family:var(--font-display);font-weight:650;font-size:1.3rem;letter-spacing:-.01em;color:var(--ink);text-decoration:none;white-space:nowrap}.brand:hover{color:var(--ink);text-decoration:none}.brand{flex:none}.brand-logo{display:block;height:44px;width:auto;margin-left:-5px}@media(min-width:1100px){:root{--header-h: 5.5rem}.brand-logo-header{height:62px;margin-left:-7px}}.brand-logo-tagline{height:auto;width:min(507px,100%);margin-left:-9px}nav.links{display:flex;gap:.25rem;margin-left:auto}nav.links a{position:relative;color:var(--ink-2);text-decoration:none;font-weight:500;font-size:.95rem;padding:.5rem .75rem;border-radius:var(--r-sm);white-space:nowrap}nav.links a:hover{background:var(--mist);color:var(--ink)}nav.links a[aria-current=page]{color:var(--pine);font-weight:650}nav.links a[aria-current=page]:after{content:"";position:absolute;left:.75rem;right:.75rem;bottom:.15rem;height:2px;background:var(--pine);border-radius:2px}main{padding-bottom:5rem}.btn{display:inline-flex;align-items:center;justify-content:center;font-family:var(--font-body);font-weight:650;font-size:.98rem;line-height:1.2;padding:.8rem 1.25rem;border-radius:var(--r-sm);border:1.5px solid var(--pine);background:var(--pine);color:var(--white);text-decoration:none;cursor:pointer;transition:background-color .15s ease,border-color .15s ease,color .15s ease}.btn:hover{background:var(--pine-hover);border-color:var(--pine-hover);color:var(--white);text-decoration:none}.btn:active{transform:translateY(1px)}.btn-quiet{background:transparent;color:var(--ink);border-color:var(--line-strong)}.btn-quiet:hover{background:var(--white);border-color:var(--pine);color:var(--pine)}.btn-light{background:var(--white);border-color:var(--white);color:var(--pine-deep)}.btn-light:hover{background:var(--mint);border-color:var(--mint);color:var(--pine-deep)}.btn-lg{font-size:1.03rem;padding:.95rem 1.5rem}.hero{background:var(--mist);border-bottom:1px solid var(--line);padding:clamp(2.5rem,6vw,5rem) 0 clamp(3rem,6vw,5rem)}.hero-grid{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,1fr);gap:clamp(2.5rem,5vw,5rem);align-items:center}.hero h1{font-size:clamp(2.6rem,1.5rem + 4vw,4.4rem);line-height:1.02;letter-spacing:-.025em;max-width:13ch;margin-bottom:1.25rem}.hero-sub{font-size:clamp(1.1rem,1rem + .35vw,1.25rem);line-height:1.55;color:var(--muted);max-width:34rem;margin:0}.hero-actions{display:flex;flex-wrap:wrap;gap:.75rem;margin:2rem 0 0}.hero-proof{list-style:none;margin:2.25rem 0 0;padding:0;display:grid;gap:.55rem}.hero-proof li{display:flex;align-items:center;gap:.65rem;font-size:.95rem;color:var(--ink-2)}.hero-proof li:before{content:"";flex:none;width:1.15rem;height:1.15rem;border-radius:50%;background:var(--pine) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath d='M4.2 8.3l2.5 2.5 5-5.4' fill='none' stroke='white' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center / 78% no-repeat}.worksheet{background:var(--white);border:1px solid var(--line-strong);border-radius:var(--r-lg);box-shadow:0 1px 0 var(--line),0 30px 60px -36px #07352a73;overflow:hidden;font-variant-numeric:tabular-nums}.ws-head{padding:1.4rem 1.5rem 1.1rem;border-bottom:2px solid var(--ink)}.ws-head h2{font-size:1.35rem;line-height:1.25;margin:0 0 .25rem}.ws-head p{margin:0;font-size:.9rem;color:var(--muted)}.ws-lines{list-style:none;margin:0;padding:0;counter-reset:line}.ws-line{counter-increment:line;display:grid;grid-template-columns:2.6rem minmax(0,1fr) 9.5rem;align-items:stretch;border-bottom:1px solid var(--line);font-size:.94rem}.ws-line:before{content:counter(line);display:grid;place-items:center;font-weight:700;font-size:.85rem;color:var(--muted);border-right:1px solid var(--line)}.ws-label{padding:.7rem .9rem;align-self:center;line-height:1.35;color:var(--ink-2)}.ws-line>output,.ws-field{display:flex;align-items:center;justify-content:flex-end;padding:.55rem 1rem;background:var(--ledger);border-left:1px solid var(--line);font-weight:650;color:var(--ink)}.ws-field{gap:.15rem;padding-block:.4rem}.ws-field>span{color:var(--muted);font-weight:500}.ws-field input{width:100%;min-width:0;font:inherit;font-weight:650;color:var(--ink);text-align:right;background:var(--white);border:1px solid var(--line-strong);border-radius:var(--r-sm);padding:.4rem .5rem;font-variant-numeric:tabular-nums}.ws-field input:hover{border-color:var(--pine)}.ws-field input:focus{outline:2px solid var(--pine);outline-offset:0;border-color:var(--pine)}.ws-total{border-bottom:0;font-size:1rem}.ws-total:before{color:var(--ink)}.ws-total>.ws-label{font-weight:650;color:var(--ink)}.ws-total small{display:block;font-weight:400;font-size:.8rem;color:var(--muted);margin-top:.15rem}.ws-total>output{font-size:1.3rem;padding-block:.8rem;text-decoration:underline double var(--red);text-decoration-thickness:1.5px;text-underline-offset:.3em}.ws-total output.is-saving{color:var(--pine)}.ws-total output.is-cost{color:var(--red)}.ws-note{margin:0;padding:.9rem 1.5rem 0;font-size:.8rem;line-height:1.5;color:var(--muted);border-top:1px solid var(--line)}.ws-link{display:inline-block;margin:.6rem 1.5rem 1.2rem;font-weight:650;font-size:.95rem}.article-body>.worksheet{margin:2.5rem 0}.article-body>.worksheet .ws-link{display:none}.section-title{font-size:clamp(1.9rem,1.4rem + 1.8vw,2.6rem);line-height:1.12;letter-spacing:-.015em;margin:0 0 2rem;max-width:22ch}.guides{padding:clamp(3.5rem,7vw,6rem) 0 clamp(2.5rem,5vw,4rem)}.hubs{border-top:2px solid var(--ink)}.hub{display:grid;grid-template-columns:minmax(0,18rem) minmax(0,1fr);gap:1.5rem clamp(2rem,5vw,4.5rem);padding:2rem 0;border-bottom:1px solid var(--line)}.hub-intro h3{margin:0 0 .35rem;font-size:1.4rem}.hub-intro p{margin:0;color:var(--muted);font-size:.95rem}.guide-list{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,15.5rem),1fr));gap:.75rem}.guide-list a{display:flex;flex-direction:column;gap:.35rem;height:100%;padding:1.1rem 1.2rem 1.2rem;border:1px solid var(--line);border-radius:var(--r-md);background:var(--white);color:var(--ink-2);text-decoration:none;transition:border-color .15s ease,background-color .15s ease}.guide-list a:hover{border-color:var(--pine);background:var(--ledger)}.guide-list strong{font-family:var(--font-display);font-size:1.2rem;line-height:1.25;font-weight:600;color:var(--ink)}.guide-list a:hover strong{color:var(--pine);text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:.15em}.gl-hook{font-size:.92rem;line-height:1.5;color:var(--muted)}.gl-hub{font-size:.82rem;font-weight:600;color:var(--pine)}.principles{background:var(--mist);border-block:1px solid var(--line);padding:clamp(3.5rem,7vw,5.5rem) 0}.principle-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:2rem clamp(1.5rem,4vw,3.5rem);border-top:2px solid var(--ink);padding-top:2rem}.principle-grid h3{margin:0 0 .5rem;font-size:1.35rem}.principle-grid p{margin:0;color:var(--muted);font-size:.98rem}.home-tail{padding-top:clamp(3rem,6vw,5rem)}.home-tail>.lead-cta{margin-top:0}.home-tail>.faq,.home-tail>.disclosure{max-width:50rem}.page-head{padding:1.75rem 0 2.25rem;margin-bottom:.5rem;background:var(--mist);box-shadow:0 0 0 100vmax var(--mist);clip-path:inset(0 -100vmax);border-bottom:1px solid var(--line)}.page-head h1{margin-top:1rem}.page-head .lede{margin-bottom:0}.crumbs{font-size:.88rem;color:var(--muted)}.crumbs a{color:var(--muted);text-decoration:none}.crumbs a:hover{color:var(--pine);text-decoration:underline}.verified{position:relative;padding-left:1.6rem;font-size:.88rem;color:var(--muted);margin:1.5rem 0 0;max-width:40rem}.verified:before{content:"";position:absolute;left:0;top:.22em;width:1rem;height:1rem;border-radius:50%;background:var(--pine) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath d='M4.2 8.3l2.5 2.5 5-5.4' fill='none' stroke='white' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center / 78% no-repeat}.wrap>.verified{margin-top:3rem}.article{display:block}.article-body{max-width:var(--measure);min-width:0}.article-body>section>h2{margin-top:3.25rem}.article-body>section:first-child>h2{margin-top:2.5rem}.article-body ul:not([class]),.wrap>ul{padding-left:1.25rem}.article-body ul:not([class]) li,.wrap>ul li{margin:.55rem 0;padding-left:.35rem}.article-body ul:not([class]) li::marker,.wrap>ul li::marker{color:var(--pine)}.toc{display:none}@media(min-width:1080px){.article{display:grid;grid-template-columns:minmax(0,var(--measure)) 14rem;justify-content:space-between;column-gap:4rem}.article-body{grid-column:1;grid-row:1}.toc:not([hidden]){display:block;grid-column:2;grid-row:1;position:sticky;top:calc(var(--header-h) + 2rem);align-self:start;margin-top:2.6rem;max-height:calc(100vh - var(--header-h) - 4rem);overflow-y:auto}}.toc-title{font-weight:650;font-size:.88rem;color:var(--ink);margin:0 0 .6rem}.toc ol{list-style:none;margin:0;padding:0;border-left:1px solid var(--line)}.toc a{display:block;margin-left:-1px;padding:.35rem 0 .35rem .9rem;border-left:2px solid transparent;font-size:.88rem;line-height:1.35;color:var(--muted);text-decoration:none}.toc a:hover{color:var(--ink);border-left-color:var(--line-strong)}.toc a[aria-current]{color:var(--pine);font-weight:600;border-left-color:var(--pine)}.lead-cta{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:1.25rem 2.5rem;align-items:center;margin:3.25rem 0;padding:clamp(1.5rem,3vw,2.25rem);background:var(--pine-deep);border-radius:var(--r-lg);color:var(--mint)}.article-body>.lead-cta{grid-template-columns:minmax(0,1fr)}.lead-cta h2{color:var(--white);margin:0 0 .5rem;font-size:1.6rem}.lead-cta p{margin:0;color:var(--mint-ink)}.lc-action{display:flex;flex-direction:column;align-items:flex-start;gap:.6rem}.lc-note{font-size:.82rem;color:var(--mint-ink);max-width:22rem}.lead-cta a:not(.btn){color:var(--white)}.lead-cta :focus-visible{outline-color:var(--white)}ul.checklist{list-style:none;padding:0;margin:0 0 1.25rem;border-top:1px solid var(--line)}ul.checklist li{position:relative;padding:.9rem 0 .9rem 2.25rem;border-bottom:1px solid var(--line)}ul.checklist li:before{content:"";position:absolute;left:0;top:1.1rem;width:1.2rem;height:1.2rem;border:1.5px solid var(--line-strong);border-radius:4px;background:var(--white)}ul.checklist.is-interactive li{padding:0}ul.checklist.is-interactive li:before{content:none}ul.checklist label{display:grid;grid-template-columns:1.2rem minmax(0,1fr);gap:1.05rem;padding:.9rem .25rem;cursor:pointer;border-radius:var(--r-sm)}ul.checklist label:hover{background:var(--ledger)}ul.checklist input{appearance:none;-webkit-appearance:none;margin:.2rem 0 0;width:1.2rem;height:1.2rem;border:1.5px solid var(--line-strong);border-radius:4px;background:var(--white);cursor:pointer;transition:background-color .12s ease,border-color .12s ease}ul.checklist input:hover{border-color:var(--pine)}ul.checklist input:checked{border-color:var(--pine);background:var(--pine) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath d='M3.8 8.3l2.7 2.7 5.7-6' fill='none' stroke='white' stroke-width='2.2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center / 90% no-repeat}ul.checklist input:focus-visible{outline:3px solid var(--pine);outline-offset:2px}ul.checklist label:has(input:checked){color:var(--muted)}ul.checklist label:has(input:checked) strong{color:var(--muted)}.faq{margin-top:3.5rem}.faq h2{margin:0 0 1rem}.faq details{border-bottom:1px solid var(--line)}.faq details:first-of-type{border-top:1px solid var(--line)}.faq summary{display:flex;justify-content:space-between;align-items:center;gap:1.5rem;padding:1.1rem 0;font-family:var(--font-display);font-weight:600;font-size:1.2rem;line-height:1.35;color:var(--ink);cursor:pointer;list-style:none}.faq summary::-webkit-details-marker{display:none}.faq summary:hover{color:var(--pine)}.faq summary:after{content:"";flex:none;width:1.75rem;height:1.75rem;border-radius:50%;background:var(--mist) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath d='M8 3.5v9M3.5 8h9' stroke='%230b5d45' stroke-width='1.8' stroke-linecap='round'/%3E%3C/svg%3E") center / 55% no-repeat;transition:transform .2s ease}.faq details[open] summary:after{transform:rotate(45deg)}.faq details p{margin:0 0 1.35rem;max-width:var(--measure)}.related{margin-top:3.5rem}.related h2{margin:0 0 1rem}.article-body .guide-list{grid-template-columns:repeat(auto-fill,minmax(min(100%,13rem),1fr))}.disclosure{font-size:.86rem;line-height:1.55;color:var(--muted);border-top:1px solid var(--line);padding-top:1.25rem;margin:3.5rem 0 0}.disclosure strong{color:var(--ink-2)}.wrap-center{text-align:center;padding-block:5rem}.wrap-center>h1,.wrap-center>.lede,.wrap-center>p{margin-inline:auto}.wrap-center .btn{margin:.35rem}footer.site{background:var(--pine-deep);color:var(--mint-ink);padding:3.5rem 0 2.5rem;font-size:.9rem}.foot-grid{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:1.5rem 3rem;align-items:start}footer.site .brand{color:var(--white)}footer.site nav{display:flex;flex-wrap:wrap;gap:.5rem 1.5rem;justify-content:flex-end;padding-top:.3rem}footer.site a{color:var(--white);text-decoration:none;font-weight:500}footer.site a:hover{color:var(--mint);text-decoration:underline}footer.site :focus-visible{outline-color:var(--white)}.foot-text{grid-column:1 / -1;border-top:1px solid rgba(207,230,218,.2);padding-top:1.5rem;margin-top:1rem}.foot-text p{margin:.3rem 0;color:var(--mint-ink);max-width:60rem}@media(max-width:1000px){.hero-grid{grid-template-columns:minmax(0,1fr)}.hero h1{max-width:16ch}.worksheet{max-width:36rem}.hub{grid-template-columns:minmax(0,1fr);gap:1rem}}@media(max-width:1099px){:root{--header-h: auto}html{scroll-padding-top:7rem}.nav{flex-wrap:wrap;gap:0;padding-top:.6rem}nav.links{width:calc(100% + 2 * var(--gutter));margin:.35rem calc(-1 * var(--gutter)) 0;padding:0 var(--gutter) .4rem;overflow-x:auto;scrollbar-width:none;mask-image:linear-gradient(90deg,#000 82%,transparent);-webkit-mask-image:linear-gradient(90deg,#000 82%,transparent)}nav.links::-webkit-scrollbar{display:none}nav.links a{padding:.45rem .65rem}nav.links a:first-child{margin-left:-.65rem}}@media(max-width:760px){body{font-size:16px}.principle-grid{grid-template-columns:minmax(0,1fr);gap:1.5rem}.lead-cta{grid-template-columns:minmax(0,1fr)}.hero-actions .btn{flex:1 1 100%}.foot-grid{grid-template-columns:minmax(0,1fr)}footer.site nav{justify-content:flex-start}}@media(max-width:440px){.ws-head{padding-inline:1.1rem}.ws-line{grid-template-columns:2.1rem minmax(0,1fr) 7.75rem;font-size:.9rem}.ws-label{padding:.65rem .7rem}.ws-line>output,.ws-field{padding-inline:.6rem}.ws-note{padding-inline:1.1rem}.ws-link{margin-inline:1.1rem}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{transition:none!important;animation:none!important}}