:root{--ink:#102e38;--deep:#0b2530;--mid:#39606a;--mint:#d6eace;--ice:#eaf2ef;--cloud:#f4f7f3;--paper:#fffefa;--orange:#ed9866;--line:#d8e2df;--muted:#52676a}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font:16px/1.65 system-ui,-apple-system,Segoe UI,sans-serif}a{color:inherit;text-decoration:none}img{display:block;max-width:100%;object-fit:cover}button,input{font:inherit}button{cursor:pointer}h1,h2,h3,p{margin-top:0}h1,h2{font-family:Georgia,serif;line-height:1.1;letter-spacing:-.045em;font-weight:normal}h1{font-size:clamp(3.4rem,6vw,6.5rem)}h2{font-size:clamp(2.7rem,4.8vw,5rem)}h3{line-height:1.25}.wrap{width:min(1190px,calc(100% - 48px));margin:auto}.skip{position:absolute;left:-9999px;background:white;padding:12px;z-index:99}.skip:focus{left:10px}.header{height:78px;background:var(--paper);position:relative;z-index:20;border-bottom:1px solid var(--line)}.navline{height:100%;display:flex;align-items:center;justify-content:space-between;gap:22px}.brand{display:inline-flex;align-items:center;gap:10px;font-family:Georgia,serif;font-weight:bold;font-size:22px;line-height:1;letter-spacing:-.055em;white-space:nowrap}.brand>span:last-child>span{color:#bf704b}.brand small{display:inline-block;font:700 10px/1 system-ui;padding:4px 5px;margin-left:4px;letter-spacing:.06em;background:var(--mint);border-radius:3px;vertical-align:middle}.brand-mark{display:grid;place-items:center;width:36px;height:36px;border-radius:10px;background:var(--ink);color:white;font:700 25px/1 Georgia;position:relative}.brand-mark span{color:var(--orange);font:700 12px/1 system-ui;position:absolute;right:3px;top:4px}.navline nav{display:flex;align-items:center;gap:23px;font-size:13px;font-weight:700}.navline nav>a:hover,.navdrop>button:hover{color:#bd714d}.navdrop{position:relative}.navdrop>button{border:0;background:none;color:inherit;font-weight:700;font-size:13px}.drop-list{display:none;position:absolute;top:32px;left:-12px;min-width:245px;padding:10px;background:var(--paper);box-shadow:0 13px 40px #102e3828}.drop-list a{display:block;padding:6px 10px;font-size:12px}.drop-list a:hover{background:var(--ice)}.navdrop:hover .drop-list,.navdrop.open .drop-list{display:block}.hamburger{display:none}.eyebrow{display:block;color:#bc754d;letter-spacing:.16em;font-size:11px;font-weight:800;text-transform:uppercase}.eyebrow.bright{color:var(--orange)}.button{display:inline-flex;align-items:center;justify-content:center;min-height:48px;gap:20px;padding:11px 20px;background:var(--mint);color:var(--ink);font-size:13px;letter-spacing:.035em;font-weight:800;border:0;border-radius:4px}.button:hover{background:#bce3b8}.dark-button{background:var(--ink);color:white}.dark-button:hover{background:#284853}.text-link{font-weight:800;font-size:13px;border-bottom:1px solid currentColor;padding-bottom:4px}.text-link:hover{color:#bd714d}.light-link{color:var(--mint)}.hero{background:radial-gradient(circle at 80% 30%,#24505b 0,transparent 43%),var(--ink);color:#fff}.hero-grid{display:grid;grid-template-columns:1.1fr .78fr;align-items:center;gap:10%;min-height:640px;padding:95px 0}.hero h1{margin:20px 0 24px}.hero h1 em{color:var(--mint);font-weight:normal}.hero p{color:#d5e2df;max-width:560px;font-size:19px}.hero-links{display:flex;flex-wrap:wrap;gap:24px;align-items:center;margin-top:35px}.hero-small{margin-top:70px;color:#b4c9c6;font-size:13px}.hero-visual{padding:30px;background:#fff;color:var(--ink);border-radius:11px;box-shadow:0 30px 70px #0319216b;transform:rotate(1deg)}.visual-label{font-size:11px;letter-spacing:.17em;color:#618285;font-weight:800}.metric{font:normal 66px/1 Georgia;margin:23px 0 33px}.metric small{font:14px/1 system-ui;color:var(--muted)}.visual-line,.result-row{display:flex;align-items:center;justify-content:space-between;gap:15px;border-top:1px solid var(--line);padding:13px 0;font-size:14px}.sparkline{height:95px;display:flex;align-items:flex-end;gap:7px;padding:15px 0}.sparkline i{flex:1;height:25%;background:var(--mint);border-radius:3px 3px 0 0}.sparkline i:nth-child(2){height:31%}.sparkline i:nth-child(3){height:28%}.sparkline i:nth-child(4){height:45%}.sparkline i:nth-child(5){height:40%}.sparkline i:nth-child(6){height:53%}.sparkline i:nth-child(7){height:62%}.sparkline i:nth-child(8){height:56%}.sparkline i:nth-child(9){height:78%}.sparkline i:nth-child(10){height:88%;background:var(--orange)}.hero-visual p{font-size:13px;color:var(--muted);margin:0 0 14px}.hero-visual a{color:#b76543;font-size:13px;font-weight:800}.proof{display:flex;justify-content:space-between;align-items:center;gap:15px;border-bottom:1px solid var(--line);padding:27px 0;font-size:13px}.proof span{letter-spacing:.15em;color:#ab6847;font-size:11px;font-weight:800}.proof strong{font-weight:700}.intro{padding:135px 0}.intro-grid,.section-head,.news-grid,.credit-grid,.tool-explainer{display:grid;grid-template-columns:1fr .55fr;gap:11%;align-items:end}.intro h2{margin:20px 0 0}.intro-grid p{font-size:20px;color:var(--muted)}.tools-panel{background:var(--cloud);padding:115px 0}.section-head{margin-bottom:43px}.section-head h2{margin:10px 0 0}.section-head>p{font-size:17px;color:var(--muted)}.tool-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-bottom:35px}.tool-card{display:flex;flex-direction:column;gap:27px;background:#fff;padding:25px 23px;border:1px solid var(--line);border-radius:7px;min-height:230px;transition:transform .2s,border-color .2s}.tool-card:hover{transform:translateY(-4px);border-color:#80a7a6}.tool-icon{display:grid;place-items:center;width:40px;height:40px;border-radius:9px;background:var(--ice);font-family:Georgia;font-size:23px;color:#436e6a}.tool-card small{font-size:10px;letter-spacing:.1em;color:#ab6847;font-weight:800}.tool-card h3{font-family:Georgia;font-size:21px;font-weight:normal;margin:10px 0}.tool-card p{font-size:13px;color:var(--muted);margin:0 0 15px}.tool-card b{font-size:12px;color:#b86a46}.method{display:grid;grid-template-columns:1fr 1.8fr;gap:7%;padding:130px 0}.method h2{margin:12px 0}.method-cols{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;align-items:start}.method-cols>div{border-top:2px solid var(--ink);padding-top:15px}.method-cols b,.plan-steps b{font-size:11px;letter-spacing:.1em;color:#b9714e}.method-cols h3{font-family:Georgia;font-size:24px;font-weight:normal;margin:20px 0 10px}.method-cols p{color:var(--muted);font-size:14px}.split-feature{background:#e6eee8}.feature-grid{display:grid;grid-template-columns:1fr .85fr;gap:10%;align-items:center}.feature-grid img{width:100%;height:480px}.feature-grid h2{margin:13px 0}.feature-grid p{max-width:440px;font-size:18px;color:var(--muted)}.saving-block{display:grid;grid-template-columns:1fr .85fr;gap:12%;padding:140px 0}.saving-block h2{margin:14px 0 28px}.saving-block>div:last-child{padding-top:65px}.saving-block p{font-size:18px;color:var(--muted)}.rule-row{display:flex;gap:25px;border-bottom:1px solid var(--line);padding:17px 0;font-weight:700}.rule-row b{font-size:12px;color:#b9714e}.dark-feature{background:var(--deep);color:#fff;padding:115px 0}.dark-feature h2{margin:16px 0 38px}.dark-feature-row{display:flex;align-items:center;justify-content:space-between;gap:35px}.dark-feature-row p{max-width:650px;font-size:19px;color:#bbd0cf}.property{display:grid;grid-template-columns:.85fr 1fr;gap:10%;align-items:center;padding:120px 0}.property p{font-size:18px;color:var(--muted)}.property img{width:100%;height:460px;border-radius:5px}.credit-panel{background:var(--ice);padding:110px 0}.credit-grid{align-items:center}.credit-grid p{font-size:18px;color:var(--muted)}.mini-links{display:flex;gap:25px;flex-wrap:wrap}.mini-links a{border-bottom:1px solid;font-weight:700;font-size:13px}.plan{padding:120px 0}.plan h2{margin:15px 0 40px}.plan-steps{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}.plan-steps>div{border-top:1px solid #78908b;padding-top:15px}.plan-steps strong{display:block;margin:18px 0 6px;font:normal 21px Georgia}.plan-steps p{font-size:14px;color:var(--muted)}.articles-home{padding:40px 0 125px}.article-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:20px}.article-card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);min-width:0}.article-card:hover{border-color:#83a49f}.article-card img{height:180px;width:100%}.card-inside{padding:19px;display:flex;flex-direction:column;flex:1}.card-inside h3{font:normal 21px/1.25 Georgia;margin:12px 0 25px}.read{margin-top:auto;font-size:12px;font-weight:800;color:#b96546}.read b{margin-left:6px}.newsletter{background:#18414d;color:#fff;padding:95px 0}.news-grid{align-items:center}.news-grid h2{margin:12px 0}.news-grid p{color:#d6e1df;font-size:18px}.home-faq{padding:120px 0}.home-faq h2{margin:12px 0 38px}.home-faq details,.faq details{max-width:850px;border-bottom:1px solid var(--line);padding:17px 0}.home-faq summary,.faq summary{font-weight:700;cursor:pointer}.home-faq details p,.faq details p{margin:12px 0 0;color:var(--muted)}.footer{background:#0d2731;color:#e4eeea;padding:68px 0 22px}.footer-grid{display:grid;grid-template-columns:2.1fr repeat(3,1fr);gap:40px}.footer .brand{color:#fff}.footer .brand-mark{background:#315460}.footer p{font-size:13px;color:#aebfbd;max-width:340px;margin-top:24px}.footer .micro{font-size:12px}.footer-grid>div:not(:first-child){display:flex;flex-direction:column;gap:8px}.footer-grid strong{font-size:13px;margin-bottom:12px}.footer-grid a:not(.brand){font-size:12px;color:#c2d1ce;overflow-wrap:anywhere}.footer-grid a:hover{color:var(--orange)}.copyright{border-top:1px solid #31515a;margin-top:55px;padding-top:20px;color:#a5bab7;font-size:12px}.collection-head{padding:88px 0 47px}.collection-head h1{margin:12px 0 18px;max-width:940px;overflow-wrap:anywhere}.collection-head p{font-size:19px;color:var(--muted);max-width:790px}.collection{padding:20px 0 115px}.collection .tool-grid{grid-template-columns:repeat(4,1fr)}.collection .article-grid{grid-template-columns:repeat(3,1fr)}.collection .article-card img{height:225px}.filters{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:28px}.filters button{background:white;color:var(--ink);border:1px solid var(--line);padding:7px 13px;border-radius:3px;font-size:12px}.filters button.selected{background:var(--ink);color:#fff}.callout{padding:23px 28px;background:var(--ice);margin-top:50px;border-left:3px solid #8eaf9e;max-width:770px}.callout p{margin:7px 0 0;color:var(--muted)}[hidden]{display:none!important}.article-heading{padding:74px 0 40px}.article-heading h1{font-size:clamp(3rem,5vw,5.2rem);max-width:1060px;margin:16px 0 20px;overflow-wrap:anywhere}.article-heading p{color:var(--muted);font-size:13px}.article-layout{display:grid;grid-template-columns:minmax(0,780px) minmax(0,270px);gap:8%;padding-bottom:120px}.featured-image{margin:0 0 38px}.featured-image img{height:470px;width:100%;border-radius:5px}.featured-image figcaption{font-size:12px;color:var(--muted);margin-top:9px}.prose{font-size:17px;line-height:1.82;color:#29424a}.prose .lead{font:normal 24px/1.5 Georgia;color:var(--ink)}.prose h2{font-size:33px;margin:58px 0 19px;color:var(--ink)}.prose h3{font:700 20px system-ui}.prose p{margin-bottom:22px}.prose a{color:#ac5b3c;text-decoration:underline;font-weight:700}.prose .ideas{padding-left:25px}.prose .ideas li{padding:7px 0}.notice{margin:45px 0;background:var(--ice);padding:24px;border-left:3px solid #6b9991}.notice p{margin:7px 0}.sidebar{align-self:start;position:sticky;top:30px;padding:25px;background:var(--cloud);border-top:3px solid #afcfb8}.sidebar h2{font-size:28px;margin:15px 0}.sidebar p{font-size:13px;color:var(--muted)}.side-line{font-size:13px;border-top:1px solid var(--line);padding-top:15px;font-weight:700}.side-line a{color:#af613d}.info-prose{max-width:850px;padding:10px 0 120px;font-size:18px;color:#304951}.info-prose section{margin:0 0 35px}.info-prose h2{font-size:33px;margin:18px 0}.info-prose a{color:#a65d3d;text-decoration:underline}.calculator-head{padding:85px 0 30px}.calculator-head h1{max-width:1050px;margin:14px 0 16px}.calculator-head p{font-size:19px;max-width:780px;color:var(--muted)}.calculator-layout{display:grid;grid-template-columns:1.15fr .85fr;gap:20px;padding:20px 0 75px}.calc-form,.calc-result{padding:35px;background:var(--cloud);border:1px solid var(--line);border-radius:6px}.calc-form h2{font-size:35px}.input-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}.input-grid label{font-size:13px;font-weight:700}.input-grid label span{display:flex;align-items:center;background:#fff;border:1px solid #bdcfca;border-radius:4px;margin-top:8px}.input-grid input{border:0;min-width:0;width:100%;padding:11px;background:transparent;outline-color:#42756c}.input-grid label i{padding:0 12px;color:#657d79;font-size:13px;font-style:normal}.calc-form .button{margin-top:27px;background:var(--ink);color:white}.calc-result{background:var(--ink);color:white}.calc-result .result{font-size:18px;margin:25px 0}.calc-result .result-row{border-color:#3d5f66;align-items:flex-start}.calc-result .result-row strong{text-align:right;white-space:nowrap;font-size:18px}.calc-result>p{font-size:12px;color:#bed0cd;border-top:1px solid #3d5f66;padding-top:20px}.tool-explainer{padding:20px 0 130px;align-items:start}.tool-explainer p{font-size:18px;color:var(--muted)}
@media(max-width:1050px){.tool-grid,.collection .tool-grid{grid-template-columns:repeat(2,1fr)}.article-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.footer-grid{grid-template-columns:repeat(2,1fr)}.article-layout{grid-template-columns:minmax(0,1fr) 210px;gap:28px}.hero-grid{gap:5%}}
@media(max-width:760px){.header{height:68px}.hamburger{display:block;border:1px solid var(--ink);background:transparent;border-radius:3px;padding:6px 10px;color:var(--ink);font-size:13px}.navline nav{display:none;position:absolute;top:68px;left:0;right:0;background:var(--paper);padding:20px 24px;box-shadow:0 12px 22px #102e3829;flex-direction:column;align-items:stretch;gap:17px}.navline nav.open{display:flex}.drop-list{position:static;box-shadow:none;background:var(--cloud)}.navdrop:hover .drop-list{display:none}.navdrop.open .drop-list{display:block}.hero-grid,.intro-grid,.section-head,.method,.feature-grid,.saving-block,.property,.credit-grid,.news-grid,.tool-explainer,.calculator-layout,.article-layout{grid-template-columns:1fr;gap:30px}.hero-grid{padding:70px 0}.hero-small{margin-top:30px}.hero-visual{max-width:500px}.proof{flex-wrap:wrap}.intro,.method,.saving-block,.property,.plan,.home-faq{padding:80px 0}.method-cols{grid-template-columns:repeat(3,1fr)}.feature-grid img{height:330px}.feature-grid>div{padding:25px 0 65px}.saving-block>div:last-child{padding:0}.property img{height:330px}.article-layout .sidebar{display:none}.featured-image img{height:380px}.article-heading{padding-top:55px}.collection .article-grid{grid-template-columns:repeat(2,1fr)}.calc-result{grid-row:2}}
@media(max-width:520px){.wrap{width:calc(100% - 34px)}.brand{font-size:19px}.brand-mark{width:32px;height:32px;font-size:22px}h1{font-size:clamp(3rem,12vw,4.6rem)}h2{font-size:clamp(2.3rem,10vw,3.8rem)}.hero-grid{padding:60px 0}.hero p{font-size:17px}.hero-visual{padding:22px;transform:none}.metric{font-size:56px}.proof strong{width:42%;font-size:12px}.tool-grid,.collection .tool-grid,.article-grid,.collection .article-grid,.plan-steps,.method-cols,.footer-grid{grid-template-columns:1fr}.tool-card{min-height:0;flex-direction:row}.method-cols{gap:10px}.article-card img,.collection .article-card img{height:210px}.tools-panel,.dark-feature,.credit-panel,.newsletter{padding:75px 0}.section-head{margin-bottom:28px}.dark-feature-row{align-items:start;flex-direction:column}.plan-steps{gap:12px}.collection-head{padding:65px 0 27px}.collection-head h1{font-size:clamp(2.9rem,12vw,4.3rem)}.article-heading h1{font-size:clamp(2.65rem,10.5vw,4rem)}.featured-image img{height:260px}.prose{font-size:16px}.prose .lead{font-size:21px}.prose h2{font-size:29px}.calc-form,.calc-result{padding:23px}.input-grid{grid-template-columns:1fr}.calculator-head h1{font-size:clamp(2.9rem,11vw,4.5rem)}.result-row strong{white-space:normal!important}.info-prose h2{font-size:29px}}