@keyframes nudge{30%{transform:translateY(-3px)}60%{transform:none}}@keyframes viewIn{0%{opacity:0;transform:translateY(14px)}}@keyframes gateFade{0%{opacity:0}}@keyframes gateIn{0%{opacity:0;transform:translateY(1.25rem) scale(.97)}}@keyframes gateOut{to{opacity:0;transform:translateY(.5rem) scale(.985)}}@keyframes swapIn{0%{opacity:0;transform:translateY(8px)}}@keyframes docIn{0%{opacity:0;transform:translateY(16px)}}:root{--navy:#173142;--navy-deep:#102733;--copper:#b56f4d;--copper-ink:#945236;--copper-button:#9b5536;--copper-light:#dda684;--ivory:#f4f3ef;--paper:#fcfbf8;--slate-pale:#e5ebee;--bubble:#ebe8e0;--ink:#26343d;--muted:#586974;--line:#d6dddf;--on-dark:#f4f3ef;--on-dark-soft:#b9c7cf;--line-dark:rgba(244,243,239,.16);--f-display:"Bricolage Grotesque", "Avenir Next", system-ui, sans-serif;--f-text:"Figtree", system-ui, sans-serif;--f-quote:"Bricolage Grotesque", system-ui, sans-serif;--gutter:clamp(1.375rem, min(4.4vw,3.96rem), 4.5rem);--rail:0px;--box:67.5rem;--extra:0px;--ease-out:cubic-bezier(.23,1,.32,1);--r-lg:1.75rem;--r-md:1.125rem}@media (min-width:1200px){:root{--rail:18.75rem;--extra:max(0px, (100vw - var(--rail) - 2 * var(--gutter) - var(--box) - 1.5rem) / 2)}}*,::after,::before{box-sizing:border-box}html{font-size:clamp(100%,calc(100vw/90),137.5%);scroll-behavior:smooth;-webkit-text-size-adjust:100%}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}footer,main{overflow-x:clip}body,p{margin:0}body{color:var(--ink);font-family:var(--f-text);font-size:1.125rem;line-height:1.6;-webkit-font-smoothing:antialiased}img{max-width:100%;display:block}a{color:inherit}h1,h2,h3,h4{margin:0;font-family:var(--f-display);font-weight:600;text-wrap:balance}p{text-wrap:pretty}::selection{background:var(--copper-light);color:var(--navy-deep)}:focus-visible{outline:.1875rem solid var(--copper-ink);outline-offset:.25rem;border-radius:.375rem}[data-ground=dark] :focus-visible{outline-color:var(--copper-light)}.sr-only{padding:0;margin:-1px;border:0}.skip{position:fixed;left:1rem;top:-80px;z-index:100;background:var(--navy);color:var(--paper);padding:.75rem 1.125rem;border-radius:.625rem;font-weight:700;text-decoration:none}.skip:focus{top:1rem}.inner{padding-left:calc(var(--rail) + var(--gutter) + var(--extra));padding-right:calc(var(--gutter) + var(--extra))}.inner>.box{max-width:var(--box)}.eyebrow{font-size:.82rem;font-weight:700;letter-spacing:.13em;text-transform:uppercase;color:var(--copper-ink)}[data-ground=dark] .eyebrow{color:var(--copper-light)}.footer .id strong,.verdict p strong,[data-ground=dark]{color:var(--on-dark)}.section{padding-block:clamp(5.625rem,min(8.5vw,7.65rem),8rem);position:relative}.display{font-weight:620;letter-spacing:-.026em;line-height:.98}.btn,.link{font-weight:700}.btn{display:inline-flex;align-items:center;justify-content:center;gap:.65em;min-height:3.5rem;padding:0 1.55rem;border-radius:.875rem;background:var(--copper-button);color:var(--paper);font-size:1.05rem;text-decoration:none;white-space:nowrap;box-shadow:0 1px 0 rgba(255,255,255,.18) inset,0 .625rem 1.5rem -14px rgba(90,45,25,.7);transition:background-color .16s var(--ease-out),transform .12s var(--ease-out)}.btn:active{transform:translateY(1px) scale(.985)}.btn span{transition:transform .2s var(--ease-out)}@media (hover:hover) and (pointer:fine){.btn:hover{background:var(--copper-ink)}.btn:hover span{transform:translate(2px,-2px)}}.link{text-decoration:underline;text-underline-offset:.28em;text-decoration-thickness:1px}.agenda{position:fixed;z-index:50;left:1.375rem;top:50%;transform:translateY(-50%);width:16rem;padding:1.375rem 1.25rem 1.25rem;background:var(--paper);color:var(--ink);border-radius:var(--r-lg);box-shadow:0 1px 0#fff inset,0 1.875rem 3.75rem -28px rgba(16,39,51,.45),0 0 0 1px rgba(23,49,66,.07)}.agenda .top,.agenda li a{display:flex;align-items:center;gap:.75rem}.agenda .top{justify-content:space-between}.agenda .brand{display:block;border-radius:.375rem}.agenda .brand img{height:2.75rem;width:auto}.dial{flex:none;width:2.75rem;height:2.75rem}.dial circle{fill:none;stroke-width:3}.dial .track{stroke:var(--line)}.dial .fill{stroke:var(--copper);stroke-linecap:round;transform:rotate(-90deg);transform-origin:50% 50%;transition:stroke-dashoffset .25s linear}.dial .hand{stroke:var(--navy);stroke-width:2;stroke-linecap:round;transform-origin:22px 22px;transition:transform .25s linear}.dial .done{opacity:0;transition:opacity .4s var(--ease-out)}.dial.complete .done{opacity:1}.dial.complete .hand{opacity:0}.agenda ol{list-style:none;margin:1.25rem 0 0;padding:1rem 0 0;border-top:1px solid var(--line);counter-reset:none}.agenda li{position:relative}.agenda li a{min-height:2.875rem;padding:.25rem .5rem .25rem .25rem;border-radius:.75rem;text-decoration:none;font-weight:600;color:var(--muted);transition:background-color .16s,color .16s}@media (hover:hover) and (pointer:fine){.agenda li a:hover{background:var(--ivory);color:var(--ink)}}.agenda .box-check,.sheet li .box-check{border-radius:50%;border:1.6px solid #aab6bc;display:grid;place-items:center}.agenda .box-check{flex:none;width:1.5rem;height:1.5rem;transition:background-color .35s var(--ease-out),border-color .35s}.agenda .box-check svg{stroke-dasharray:20;stroke-dashoffset:20;transition:stroke-dashoffset .45s var(--ease-out) .05s}.agenda li.done .box-check,.sheet li.done .box-check{background:var(--navy);border-color:var(--navy)}.agenda li.done .box-check svg{stroke-dashoffset:0}.agenda li.done a{color:var(--ink)}.agenda li a[aria-current=true]{color:var(--navy);background:var(--ivory)}.agenda li a[aria-current=true] .box-check{border-color:var(--copper);box-shadow:inset 0 0 0 .25rem var(--paper),inset 0 0 0 .75rem var(--copper)}.agenda .foot{margin-top:1rem;padding-top:1rem;border-top:1px solid var(--line);display:grid;gap:.625rem}.agenda .tel,.varia{display:flex;align-items:center;text-decoration:none}.agenda .tel{justify-content:center;min-height:2.75rem;font-weight:700;font-variant-numeric:tabular-nums;border-radius:.75rem}@media (hover:hover) and (pointer:fine){.agenda .tel:hover{background:var(--ivory)}}.agenda .btn{min-height:3.25rem;font-size:1rem;padding:0 1rem}.agenda .btn.nudge{animation:nudge 1.2s var(--ease-out)}@media (prefers-reduced-motion:reduce){.agenda .btn.nudge{animation:none}}.varia{gap:.75rem;margin-top:.75rem;padding:.625rem .75rem .625rem .625rem;border-radius:.875rem;background:var(--slate-pale);color:var(--navy);transition:background-color .2s,transform .2s var(--ease-out)}.varia-ic{flex:none;display:grid;place-items:center;width:2.25rem;height:2.25rem;border-radius:.625rem;background:var(--navy);color:var(--paper)}.sheet li a .ic svg,.varia-ic svg{width:1.25rem;height:1.25rem}.varia-txt{display:grid;min-width:0;line-height:1.2}.varia-t{font-weight:700;font-size:.98rem}.varia-k{margin-top:.125rem;font-size:.8rem;font-weight:600;color:var(--copper-ink)}.varia-go{flex:none;width:1.125rem;height:1.125rem;margin-left:auto;transition:transform .25s var(--ease-out)}@media (hover:hover) and (pointer:fine){.varia:hover{background:#dce4e8}.varia:hover .varia-go{transform:translateX(3px)}}.sheet .varia{margin-top:1rem;padding:.75rem}.sheet .varia-t{font-family:var(--f-display);font-size:1.15rem;font-weight:600}.m-bar,.m-logo{display:none}@media (max-width:1199px){.agenda{display:none}.m-logo{display:block;position:absolute;z-index:20;left:var(--gutter);top:1.25rem;padding:2px 0}.m-logo img{height:2.625rem;width:auto}.m-bar{display:flex;position:fixed;z-index:50;left:.75rem;right:.75rem;bottom:calc(.75rem + env(safe-area-inset-bottom));align-items:center;gap:.75rem;padding:.5rem .5rem .5rem .75rem;background:var(--paper);border-radius:1.25rem;box-shadow:0 1.25rem 2.5rem -18px rgba(16,39,51,.5),0 0 0 1px rgba(23,49,66,.08)}.m-bar .dial{width:2.5rem;height:2.5rem}.m-bar .now{flex:1;min-width:0;font-weight:700;color:var(--navy);white-space:nowrap;overflow:hidden;text-overflow:ellipsis}.m-bar .tel-ic{display:grid;place-items:center;width:3rem;height:3rem;border-radius:.875rem;border:1px solid var(--line);color:var(--navy)}.m-bar .menu-btn{display:inline-flex;align-items:center;gap:.5rem;min-height:3rem;padding:0 1rem;border-radius:.875rem;border:0;background:var(--navy);color:var(--paper);font:inherit;font-weight:700;cursor:pointer}body{padding-bottom:0}.footer{padding-bottom:7.5rem!important}}.sheet{position:fixed;inset:0;z-index:70;display:flex;align-items:flex-end;background:rgba(16,39,51,.45);opacity:0;visibility:hidden;transition:opacity .25s var(--ease-out),visibility 0s .25s}.sheet.open{opacity:1;visibility:visible;transition:opacity .25s var(--ease-out)}.sheet .panel{width:100%;background:var(--paper);border-radius:1.625rem 1.625rem 0 0;padding:1.125rem var(--gutter) calc(1.75rem + env(safe-area-inset-bottom));transform:translateY(1.5rem);transition:transform .3s var(--ease-out)}.sheet.open .panel{transform:none}.sheet .row,.sheet li a{display:flex;align-items:center}.sheet .row{justify-content:space-between;gap:.75rem}.sheet .close{min-height:3rem;padding:0 1rem;border-radius:.875rem;border:1px solid var(--line);background:0 0;font:inherit;font-weight:700;color:var(--navy);cursor:pointer}.sheet ol{list-style:none;margin:.875rem 0 0;padding:0}.sheet li a{gap:.875rem;min-height:3.625rem;border-bottom:1px solid var(--line);font-family:var(--f-display);font-weight:600;text-decoration:none;color:var(--navy)}.sheet li .box-check{width:1.625rem;height:1.625rem}.agenda .box-check svg,.sheet li .box-check svg{width:.875rem;height:.875rem;stroke:var(--paper);stroke-width:2.4;fill:none}.sheet li:not(.done) .box-check svg{display:none}.sheet .foot{display:grid;gap:.75rem;margin-top:1.25rem}.sheet .foot .btn{width:100%}.sheet .foot .tel{display:flex;justify-content:center;align-items:center;min-height:3rem;font-weight:700;text-decoration:none;color:var(--navy)}.footer{background:var(--navy-deep);color:var(--on-dark-soft);padding-block:3.5rem 2.75rem;font-size:.95rem}.footer .top{display:flex;flex-wrap:wrap;justify-content:space-between;gap:1.5rem;align-items:center}.footer .id{display:grid;padding:.1875rem 0;text-decoration:none;line-height:1.35}.footer .pol ul,.footer nav ul{list-style:none;display:flex;flex-wrap:wrap;gap:.375rem 1.625rem;margin:0;padding:0}.footer nav a{display:inline-block;padding:.625rem 0;text-decoration:none}@media (hover:hover) and (pointer:fine){.footer nav a:hover{color:var(--on-dark)}}.footer .pol ul{gap:0 1.5rem}.footer .pol a{display:inline-flex;align-items:center;min-height:2.75rem;color:var(--on-dark);text-underline-offset:.2em;text-decoration-thickness:1px}.footer .legal{margin-top:2.125rem;padding-top:1.625rem;border-top:1px solid var(--line-dark);display:grid;gap:.875rem;max-width:92ch;font-size:.88rem}@media (prefers-reduced-motion:reduce){.hero{height:auto}.stage{position:relative}.js .about{margin-top:-1px!important;background:var(--navy-deep)!important}.js .about::before{display:none}}@media (prefers-reduced-motion:reduce) and (max-width:999px),(prefers-reduced-motion:reduce) and (max-width:1199px) and (orientation:portrait){.hero{height:205svh}.stage{position:sticky}.js .about{margin-top:calc(-1*var(--ov))!important;background:0 0!important}.js .about::before{display:block}}:root{--ctl-r:0.875rem;--in-r:0.625rem;--sp-1:0.5rem;--sp-2:0.875rem;--sp-3:1.25rem;--sp-4:1.75rem;--sp-5:clamp(2.25rem,min(3.6vw,3.24rem),3.25rem)}body{background:var(--ivory)}.sr-only{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}.ask-ic,.callout-ic,.fold-ic,.go-ic,.i,.next-go,.next-ic,.switch-ic{display:inline-grid;place-items:center;flex:none}.ask-ic svg,.callout-ic svg,.fold-ic svg,.go-ic svg,.i svg,.next-go svg,.next-ic svg,.switch-ic svg{width:100%;height:100%}.i,.tools-agenda .ic svg{width:1.125rem;height:1.125rem}@media (min-width:1200px){.tools-agenda{display:flex;flex-direction:column;max-height:calc(100svh - 2.5rem)}}.tools-agenda ol{margin-top:.75rem;padding-top:.75rem;overflow:auto;min-height:0;scrollbar-width:thin}.tools-agenda .all,.tools-agenda li a{display:flex;align-items:center;gap:.75rem;min-height:2.75rem;padding:.25rem .5rem .25rem .25rem;border-radius:var(--ctl-r);text-decoration:none;transition:background-color .2s,color .2s}.tools-agenda .all{margin-top:1rem;font-weight:700;color:var(--navy)}.tools-agenda li a{font-weight:600;color:var(--muted)}.tools-agenda .ic{display:grid;place-items:center;flex:none;width:2rem;height:2rem;border-radius:var(--in-r);transition:background-color .25s,color .25s}.sheet li a .ic,.tools-agenda .ic,.tools-agenda a[aria-current=page]{background:var(--ivory);color:var(--navy)}.sheet li a[aria-current=page] .ic,.tools-agenda a[aria-current=page] .ic{background:var(--navy);color:var(--paper)}@media (hover:hover) and (pointer:fine){.tools-agenda .all:hover,.tools-agenda li a:hover{background:var(--ivory);color:var(--navy)}}.tools-agenda .foot{flex:none}.agenda .home,.b,.sheet .home{align-items:center;justify-content:center;gap:.5rem;text-decoration:none}.agenda .home{display:flex;min-height:2.75rem;font-size:.9rem;color:var(--muted);border-radius:var(--ctl-r)}.agenda .home svg,.sheet .home svg{width:1rem;height:1rem}@media (hover:hover) and (pointer:fine){.agenda .home:hover{color:var(--navy);background:var(--ivory)}}.sheet li a .ic{display:grid;place-items:center;flex:none;width:2.125rem;height:2.125rem;border-radius:var(--in-r)}.sheet li a{font-size:1.2rem}.note a,.sheet li a[aria-current=page]{color:var(--copper-ink)}.b,.sheet .home{min-height:3rem}.sheet .home{display:flex;color:var(--muted);font-weight:600}.b{display:inline-flex;padding:0 1.125rem;border-radius:var(--ctl-r);border:1px solid transparent;background:0 0;font:inherit;font-size:1rem;font-weight:700;line-height:1.2;color:var(--navy);cursor:pointer;white-space:nowrap;transition:background-color .2s,border-color .2s,color .2s,transform .15s var(--ease-out),box-shadow .2s}.b:active{transform:scale(.98)}.b .i{width:1.125rem;height:1.125rem}.b-primary{background:var(--copper-button);color:var(--paper);box-shadow:0 10px 22px -12px rgba(155,85,54,.7)}.b-secondary{border-color:rgba(23,49,66,.22);background:var(--paper)}.b-quiet{padding-inline:.625rem;color:var(--copper-ink)}.b-sm{min-height:2.75rem;padding-inline:.875rem;font-size:.94rem}.b-sm.b-quiet{padding-inline:.5rem}.b-block{width:100%}.b-danger{color:#a3361f}.b-secondary.on{background:var(--navy);border-color:var(--navy);color:var(--paper)}@media (hover:hover) and (pointer:fine){.b-primary:hover{background:var(--copper-ink)}.b-secondary:hover{border-color:var(--navy)}.b-secondary.on:hover{background:var(--navy-deep)}.b-quiet:hover{background:rgba(148,82,54,.08)}.b-danger:hover{background:rgba(163,54,31,.08)}}.btn .i,.fld-step svg,.group legend .i{width:1.125rem;height:1.125rem}.tools-main{padding-block:clamp(1.5rem,min(3vw,2.7rem),2.75rem) clamp(4rem,min(7vw,6.3rem),6rem)}@media (max-width:999px),(max-width:1199px) and (orientation:portrait){.tools-main{padding-top:5.25rem}}.tools-main .box{max-width:var(--box)}.eyebrow{margin:0}.t-h1:focus{outline:0}.t-h1{margin-top:.75rem;font-size:clamp(2.5rem,min(5.2vw,4.68rem),4.6rem);color:var(--navy);letter-spacing:-.03em;line-height:1}.t-intro{margin-top:1rem;max-width:62ch;font-size:1.2rem;color:var(--ink)}.back,.toolbar{align-items:center}.toolbar{display:flex;justify-content:space-between;gap:1rem;margin-bottom:clamp(1.25rem,min(2.4vw,2.16rem),2rem);padding-bottom:1rem;border-bottom:1px solid var(--line)}.back{display:inline-flex;gap:.5rem;min-height:2.75rem;padding-right:.5rem;font-weight:700;color:var(--navy);text-decoration:none;border-radius:var(--in-r)}.back .i{transition:transform .2s var(--ease-out)}@media (hover:hover) and (pointer:fine){.back:hover .i{transform:translateX(-3px)}}@media (max-width:420px){.toolbar .b span:last-child{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}.toolbar .b{width:2.75rem;padding:0}}.tool-body{margin-top:var(--sp-5)}.view[hidden]{display:none}.view.enter{animation:viewIn .55s var(--ease-out)}@media (prefers-reduced-motion:reduce){.view.enter{animation:none}}.card{padding:clamp(1.25rem,min(2.4vw,2.16rem),2rem);border-radius:var(--r-lg);background:var(--paper);box-shadow:0 0 0 1px rgba(23,49,66,.07),0 1.5rem 3rem -2.5rem rgba(16,39,51,.35)}.note{font-size:.92rem;line-height:1.55;color:var(--muted)}.ext,.next-tool small{color:var(--copper-ink)}.ext,.next-tool a{display:inline-flex;align-items:center;font-weight:600}.ext{gap:.375rem;min-height:2.75rem;text-decoration:underline;text-underline-offset:.22em;text-decoration-thickness:1px}.ext .i,.hub-grid .kind .pr .i{width:.9375rem;height:.9375rem}.next-tool{margin-top:var(--sp-5);padding-top:var(--sp-4);border-top:1px solid var(--line)}.next-tool a{gap:1rem;min-height:3.5rem;font-family:var(--f-display);font-size:clamp(1.3rem,min(2vw,1.8rem),1.7rem);line-height:1.15;color:var(--navy);text-decoration:none}.next-ic{width:3rem;height:3rem;padding:.75rem;border-radius:var(--ctl-r);background:var(--paper);box-shadow:0 0 0 1px rgba(23,49,66,.08)}.next-go{width:1.5rem;height:1.5rem;transition:transform .3s var(--ease-out)}@media (hover:hover) and (pointer:fine){.next-tool a:hover .next-go{transform:translateX(4px)}}.next-tool small{display:block;margin-bottom:.125rem;font-family:var(--f-text);font-size:.78rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase}.hub-grid{margin-top:var(--sp-5);display:grid;grid-template-columns:repeat(auto-fill,minmax(min(100%,19rem),1fr));gap:clamp(.875rem,min(1.6vw,1.44rem),1.375rem)}.hub .t-h1{margin-top:.75rem}.card-link,.hub-grid .card{position:relative;display:grid;grid-template-rows:auto auto 1fr auto;min-height:18rem;color:var(--ink);text-decoration:none;overflow:hidden;transition:transform .35s var(--ease-out),box-shadow .35s var(--ease-out)}.hub-grid .card.rep{background:#eef1f2}.hub-grid .kind{display:flex;align-items:center;gap:.5rem;font-size:.8rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--copper-ink)}.hub-grid .kind .i{width:1rem;height:1rem}.hub-grid .kind .pr{display:inline-flex;align-items:center;gap:.375rem;margin-left:auto;letter-spacing:0;text-transform:none;font-weight:600;color:var(--muted);font-size:.84rem}.hub-grid .illus{display:block;margin-top:1.125rem;width:7.75rem;height:5rem;color:var(--navy)}.hub-grid .illus .cu{stroke:var(--copper)}.hub-grid .illus .draw{stroke-dasharray:1;stroke-dashoffset:0;transition:stroke-dashoffset .9s var(--ease-out)}.js .hub-grid .card:not(.in) .illus .draw{stroke-dashoffset:1}.hub-grid .illus .bob{transition:transform .5s var(--ease-out)}.hub-grid .q{align-self:end;margin-top:1.25rem;font-family:var(--f-display);font-weight:600;font-size:clamp(1.55rem,min(2.2vw,1.98rem),1.9rem);line-height:1.08;letter-spacing:-.02em;color:var(--navy);max-width:14ch}.hub-grid .go{display:flex;align-items:center;justify-content:space-between;margin-top:1.125rem;padding-top:1rem;border-top:1px solid var(--line);font-weight:700;color:var(--navy)}.go-ic{width:1.375rem;height:1.375rem;transition:transform .3s var(--ease-out)}@media (hover:hover) and (pointer:fine){.hub-grid .card:hover{box-shadow:0 0 0 1px rgba(23,49,66,.1),0 2rem 3.5rem -2rem rgba(16,39,51,.45)}.hub-grid .card:hover .go-ic{transform:translateX(4px)}.hub-grid .card:hover,.hub-grid .card:hover .illus .bob{transform:translateY(-4px)}}.hub-grid .card:focus-visible{outline:3px solid var(--copper-ink);outline-offset:4px}.work{display:grid;grid-template-columns:minmax(19rem,25rem) minmax(0,1fr);gap:clamp(1.5rem,min(3vw,2.7rem),3rem);align-items:start}.controls,.results{min-width:0}.guide,.results,.results-body{display:flex;flex-direction:column;gap:var(--sp-3)}.results{container-type:inline-size}.controls,.tool-body{display:flex;flex-direction:column;gap:var(--sp-3)}.tool-body>.guide-intro{font-size:1.2rem;margin-bottom:var(--sp-2)}.guide>.rp-cta,.results>.discuss,.results>.rp-cta{margin-top:var(--sp-3)}.controls::after{content:"";position:sticky;bottom:-1.5rem;display:block;flex:none;height:2.25rem;margin:-2.25rem -1.25rem -1.5rem;background:linear-gradient(rgba(252,251,248,0),var(--paper) 80%);pointer-events:none;border-radius:0 0 var(--r-lg) var(--r-lg)}@media (max-width:1099px){.controls::after{display:none}}.controls{position:sticky;top:1.25rem;max-height:calc(100svh - 2.5rem);overflow:auto;overscroll-behavior:contain;gap:var(--sp-2);padding:1.375rem 1.25rem 1.5rem;background:var(--paper);border-radius:var(--r-lg);box-shadow:0 0 0 1px rgba(23,49,66,.07),0 1.5rem 3rem -2.25rem rgba(16,39,51,.4);scrollbar-width:thin;scrollbar-color:var(--line) transparent}@media (max-width:1099px){.work{grid-template-columns:minmax(0,1fr)}.controls{position:relative;top:auto;max-height:none;overflow:visible}}.ctl-head{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:.5rem}.ctl-head h2{font-size:1.45rem;color:var(--navy);letter-spacing:-.015em}.ctl-k,.fld>label{font-weight:600;color:var(--ink)}.ctl-k,.group legend{display:flex;align-items:center;gap:.5rem;font-size:.95rem}.ctl-sep{height:1px;margin-block:.25rem;background:var(--line)}.fields{gap:var(--sp-3)}.fields,.group,.reveal{display:flex;flex-direction:column}.group{gap:var(--sp-3);margin:0;padding:1.125rem 0 0;border:0;border-top:1px solid var(--line);min-width:0}.group legend{float:left;width:100%;padding:0;font-size:.8rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--copper-ink)}.group>legend+*{clear:both}.reveal{gap:var(--sp-2)}.reveal[hidden]{display:none}.fld{--p:0%}.fld>label{display:block;font-size:1rem;line-height:1.35}.fld-hint,.fld-u{color:var(--muted)}.fld-u{font-weight:500}.fld-hint{margin-top:.25rem;font-size:.88rem}.fld-box{display:flex;align-items:center;gap:.25rem;margin-top:.5rem;padding:.25rem;border:1px solid var(--line);border-radius:var(--ctl-r);background:#fff;transition:border-color .2s,box-shadow .2s}.fld-box:focus-within{border-color:var(--navy);box-shadow:0 0 0 4px rgba(181,111,77,.18)}.fld.bad .fld-box{border-color:#b3401f;box-shadow:0 0 0 4px rgba(179,64,31,.12)}.fld-val{flex:1;min-width:0;display:flex;align-items:baseline;justify-content:center;gap:.3125rem;cursor:text}.fld-box input{width:calc(var(--ch, 4)*1ch + .25rem);max-width:100%;min-width:2ch;height:2.875rem;border:0;background:0 0;padding:0;font-family:var(--f-display);font-size:1.35rem;font-weight:600;letter-spacing:-.01em;color:var(--navy);font-variant-numeric:tabular-nums;text-align:right;outline:0}.fld-unit{font-weight:600;color:var(--muted);font-size:1rem}.fld-range,.fld-step{background:0 0;cursor:pointer}.fld-step{flex:none;display:grid;place-items:center;width:2.75rem;height:2.75rem;border:0;border-radius:var(--in-r);color:var(--muted);touch-action:manipulation;transition:background-color .15s,color .15s,transform .12s}.fld-step.press{transform:scale(.92)}@media (hover:hover) and (pointer:fine){.fld-step:hover{color:var(--navy);background:var(--ivory)}}.fld-range{-webkit-appearance:none;appearance:none;display:block;width:100%;height:1.75rem;margin:.375rem 0 0;touch-action:pan-y}.fld-range::-webkit-slider-runnable-track{height:.3125rem;border-radius:9px;background:linear-gradient(90deg,var(--copper) var(--p),var(--line) var(--p))}.fld-range::-moz-range-track{height:.3125rem;border-radius:9px;background:linear-gradient(90deg,var(--copper) var(--p),var(--line) var(--p))}.fld-range::-webkit-slider-thumb{-webkit-appearance:none;width:1.375rem;height:1.375rem;margin-top:-.53rem;border-radius:50%;background:var(--paper);border:2px solid var(--copper);box-shadow:0 2px 6px rgba(16,39,51,.2);transition:transform .15s}.fld-range::-moz-range-thumb{width:1.125rem;height:1.125rem;border-radius:50%;background:var(--paper);border:2px solid var(--copper);box-shadow:0 2px 6px rgba(16,39,51,.2)}.fld-range:active::-webkit-slider-thumb{transform:scale(1.15)}.fld-bounds{display:flex;justify-content:space-between;font-size:.8rem;color:var(--muted);font-variant-numeric:tabular-nums}.fld-err{margin-top:.375rem;font-size:.88rem;font-weight:600;color:#a3361f}.fld-err:empty{display:none}.fld-small>label{font-size:.9rem}.fld-small .fld-box{margin-top:.375rem;padding:.1875rem}.fld-small .fld-box input{height:2.5rem;font-size:1.12rem}.fld-small .fld-step{width:2.5rem;height:2.5rem}.seg{position:relative;display:grid;grid-auto-flow:column;grid-auto-columns:minmax(0,1fr);gap:.25rem;padding:.25rem;border-radius:var(--ctl-r);background:var(--bubble);isolation:isolate}.seg-stack{grid-auto-flow:row;grid-template-columns:1fr}.seg-3,.seg-4{grid-auto-flow:row;grid-template-columns:repeat(3,minmax(0,1fr))}.seg-4{grid-template-columns:repeat(4,minmax(0,1fr))}@media (max-width:560px){.seg-3,.seg-4{grid-template-columns:repeat(2,minmax(0,1fr))}}.seg-topics{grid-template-columns:repeat(3,minmax(0,1fr))}@media (max-width:560px){.seg-topics{grid-template-columns:repeat(2,minmax(0,1fr))}}.seg-ind,.seg-opt{border-radius:var(--in-r)}.seg-ind{position:absolute;left:0;top:0;z-index:-1;background:var(--paper);box-shadow:0 1px 2px rgba(16,39,51,.12),0 6px 16px -8px rgba(16,39,51,.3);transition:transform .45s var(--ease-out),width .45s var(--ease-out),height .45s var(--ease-out),opacity .2s}.seg.none .seg-ind{opacity:0}.seg-opt{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:.125rem;min-height:2.75rem;padding:.375rem .625rem;border:0;background:0 0;font:inherit;font-size:.94rem;font-weight:600;line-height:1.2;color:var(--muted);text-align:center;cursor:pointer;transition:color .25s}.seg-stack .seg-opt{align-items:flex-start;text-align:left;padding-inline:.875rem}.seg-opt .i{width:1.125rem;height:1.125rem;margin-bottom:.125rem}.seg-opt small{font-size:.76rem;font-weight:500;color:var(--muted)}.seg-opt[aria-checked=true]{color:var(--navy);font-weight:700}@media (hover:hover) and (pointer:fine){.seg-opt:not([aria-checked=true]):hover{color:var(--navy);background:rgba(255,255,255,.45)}}.seg-opt:focus-visible{outline:3px solid var(--copper-ink);outline-offset:-3px}.switch{position:relative;display:flex;align-items:center;gap:.75rem;min-height:3rem;font-weight:600;color:var(--ink);cursor:pointer;line-height:1.3}.switch-ic{width:2rem;height:2rem;padding:.4375rem;border-radius:var(--in-r);background:var(--ivory);color:var(--navy)}.switch-t{flex:1}.switch input,.switch-ui{width:2.875rem;height:1.75rem}.switch input{position:absolute;opacity:0;right:0;margin:0;cursor:pointer}.switch-ui{flex:none;position:relative;border-radius:999px;background:#c6d0d4;transition:background-color .25s}.switch-ui::after{content:"";position:absolute;left:.1875rem;top:.1875rem;width:1.375rem;height:1.375rem;border-radius:50%;background:#fff;box-shadow:0 1px 3px rgba(0,0,0,.2);transition:transform .35s var(--ease-out)}.switch input:checked~.switch-ui{background:var(--navy)}.switch input:checked~.switch-ui::after{transform:translateX(1.125rem)}.switch input:focus-visible~.switch-ui{outline:3px solid var(--copper-ink);outline-offset:3px}.res-card{display:flex;flex-direction:column;gap:var(--sp-2)}.res-h,.res-h2{color:var(--navy)}.res-h{font-size:1.5rem}.res-card .eyebrow+.res-h{margin-top:.25rem}.res-h2{font-size:clamp(1.6rem,min(2.4vw,2.16rem),2.1rem)}.res-block{display:flex;flex-direction:column;gap:var(--sp-2);max-width:68ch}.total{font-family:var(--f-display);font-weight:650;font-size:clamp(3rem,min(6.4vw,5.76rem),5.6rem);line-height:1;letter-spacing:-.045em;color:var(--navy);font-variant-numeric:tabular-nums}.res-sub{color:var(--muted)}.lead-p{max-width:68ch}.figure{margin:0}.res-card .figure{margin-top:var(--sp-1)}.figure figcaption{font-weight:700;color:var(--ink);margin-bottom:.5rem}.chart{position:relative}.chart-svg{display:block;width:100%;overflow:visible;touch-action:pan-y;border-radius:.75rem}.chart-svg:focus-visible{outline:3px solid var(--copper-ink);outline-offset:4px}.c-grid line{stroke:#dde3e5;stroke-width:1}.c-grid line.zero{stroke:#98a7af}.c-grid text{fill:var(--muted);font-family:var(--f-text);font-size:12.5px;font-variant-numeric:tabular-nums}.c-grid text.c-x{font-size:13px}.c-line{fill:none;stroke-width:3;stroke-linejoin:round;stroke-linecap:round}.c-line.ghost{stroke-width:2.25}.c-area{fill-opacity:.07}.c-marker{stroke:var(--copper);stroke-width:2;stroke-dasharray:4 4}.c-cross line{stroke:var(--navy);stroke-opacity:.35;stroke-width:1}.c-cross circle{fill:var(--paper);stroke-width:2.5}.chart-tip{position:absolute;top:.5rem;left:0;z-index:2;display:grid;gap:.125rem;min-width:12rem;padding:.625rem .875rem;border-radius:var(--in-r);background:var(--navy-deep);color:var(--on-dark);font-size:.88rem;line-height:1.35;box-shadow:0 12px 30px -12px rgba(0,0,0,.5);opacity:0;pointer-events:none;transition:opacity .15s}.chart-tip.on{opacity:1}.chart-tip strong{font-family:var(--f-display);font-size:1rem;margin-bottom:.125rem}.chart-tip i{display:inline-block;width:.625rem;height:.625rem;border-radius:50%;margin-right:.375rem}.res-foot{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:var(--sp-2)}.legend,.pin-info{display:flex;color:var(--ink)}.legend{flex-wrap:wrap;gap:.375rem 1.25rem;font-size:.92rem}.legend i{display:inline-block;margin-right:.5rem;vertical-align:middle;background:var(--c)}.legend i.dash{background:repeating-linear-gradient(90deg,var(--c)0 6px,transparent 6px 10px)}.pin-info{align-items:center;gap:.625rem;padding:.75rem .875rem;border-radius:var(--ctl-r);background:var(--ivory)}.pin-info[hidden]{display:none}.gate .gate-why .fold-inner strong,.metrics dd,.pin-info strong{color:var(--navy)}.legend i,.pin-dot{width:1.25rem;height:.25rem;border-radius:2px}.pin-dot{flex:none;background:repeating-linear-gradient(90deg,#7d93a0 0 6px,transparent 6px 10px)}.hint-scrub,.metrics dt{font-size:.88rem;color:var(--muted)}.metrics{display:grid;grid-template-columns:repeat(auto-fit,minmax(11rem,1fr));gap:var(--sp-2);margin:0}.metrics div{padding:1rem 1.125rem;border-radius:var(--r-md);background:var(--paper);box-shadow:0 0 0 1px rgba(23,49,66,.07)}.metrics dt{font-size:.9rem}.metrics dd{margin:.25rem 0 0;font-family:var(--f-display);font-size:1.75rem;font-weight:600;letter-spacing:-.02em;font-variant-numeric:tabular-nums}.callout{display:flex;gap:.75rem;align-items:flex-start;padding:.875rem 1rem;border-radius:var(--ctl-r);background:#e9eef0;font-size:.95rem;color:var(--ink)}.callout-ic{width:1.25rem;height:1.25rem;margin-top:.125rem;color:var(--navy)}.callout.warn{background:#f6ebe4;color:#5b3421}.callout.warn .callout-ic{color:var(--copper-ink)}.callout-t p+p{margin-top:.375rem}.warnings{display:flex;flex-direction:column;gap:var(--sp-1)}.warnings[hidden]{display:none}.verdict{padding:clamp(1.5rem,min(3vw,2.7rem),2.5rem);border-radius:var(--r-lg);background:var(--navy);color:var(--on-dark)}.verdict .eyebrow{color:var(--copper-light)}.verdict .v-label{margin-top:.625rem;font-size:.92rem;color:var(--on-dark-soft)}.verdict .v-amount{display:block;margin-top:.375rem;font-family:var(--f-display);font-weight:650;font-size:clamp(2.4rem,min(5vw,4.5rem),4.4rem);line-height:1;letter-spacing:-.04em;color:var(--copper-light);font-variant-numeric:tabular-nums}.verdict .v-h{margin-top:.75rem;font-size:clamp(1.35rem,min(2.2vw,1.98rem),1.9rem);color:var(--on-dark)}.verdict p:not(.eyebrow):not(.v-label){margin-top:.875rem;max-width:66ch;color:var(--on-dark-soft)}.verdict-light{background:var(--paper);color:var(--ink);box-shadow:0 0 0 1px rgba(23,49,66,.07)}.col-card .hl dd strong,.gate-fine a,.verdict-light .eyebrow{color:var(--copper-ink)}.verdict-light .v-h{color:var(--navy);margin-top:.5rem}.verdict-light p:not(.eyebrow){color:var(--ink)!important}.verdict-light .v-strong{font-family:var(--f-display);font-size:1.2rem;font-weight:600;color:var(--navy)!important}.scen{display:grid;grid-template-columns:repeat(auto-fit,minmax(12rem,1fr));gap:var(--sp-2)}.sc{position:relative;padding:1rem 1.125rem;border-radius:var(--r-md);background:var(--paper);box-shadow:0 0 0 1px rgba(23,49,66,.08);transition:box-shadow .3s}.sc.lead{box-shadow:0 0 0 2px var(--c)}.sc-k,.sc-v{display:flex;gap:.5rem}.sc-k{align-items:baseline;font-size:.88rem;font-weight:700;line-height:1.3;color:var(--muted)}.sc-k i{transform:translateY(-1px);flex:none;width:.625rem;height:.625rem;border-radius:50%;background:var(--c)}.sc-v{flex-wrap:wrap;align-items:center;margin-top:.375rem;font-family:var(--f-display);font-size:1.6rem;font-weight:600;color:var(--navy);font-variant-numeric:tabular-nums;letter-spacing:-.02em}.sc-s{margin-top:.25rem;font-size:.88rem;color:var(--muted)}.sc-badge{font-family:var(--f-text);letter-spacing:0;padding:.1875rem .5rem;border-radius:.4375rem;background:var(--c);color:#fff;font-size:.75rem;font-weight:700}.table-card{padding-block:1rem}.table-wrap{overflow-x:auto}.vt{width:100%;border-collapse:collapse;font-size:.95rem;font-variant-numeric:tabular-nums}.vt caption{text-align:left;font-weight:700;color:var(--ink);padding-bottom:.5rem}.vt td,.vt th{padding:.625rem .75rem;border-bottom:1px solid var(--line);text-align:right;white-space:nowrap}.vt th:first-child{text-align:left;white-space:normal;padding-left:0}.vt thead th{font-size:.85rem;color:var(--muted);font-weight:700}.vt tbody th{font-weight:600;color:var(--ink)}.vt tbody tr:last-child td,.vt tbody tr:last-child th{border-bottom:0}.added{margin-top:.75rem;color:var(--muted);font-size:.95rem}#print-root,.added[hidden]{display:none}.folds{display:flex;flex-direction:column;gap:var(--sp-1)}.points{display:grid;grid-template-columns:1fr 1fr;gap:var(--sp-1)}@media (max-width:760px){.points{grid-template-columns:1fr}}.points .fold{align-self:start}.fold{border-radius:var(--r-md);background:var(--paper);box-shadow:0 0 0 1px rgba(23,49,66,.07);transition:box-shadow .25s}.fold[open]:not(.closing){box-shadow:0 0 0 1px rgba(23,49,66,.12),0 1rem 2rem -1.75rem rgba(16,39,51,.4)}.fold summary{list-style:none;display:flex;align-items:center;gap:.75rem;min-height:3.5rem;padding:.5rem .875rem .5rem 1rem;font-weight:700;color:var(--navy);cursor:pointer;border-radius:var(--r-md)}.fold summary::-webkit-details-marker{display:none}.fold-ic{width:2rem;height:2rem;padding:.4375rem;border-radius:var(--in-r);background:var(--ivory);color:var(--navy);transition:background-color .25s,color .25s}.fold[open]:not(.closing) .fold-ic{background:var(--navy);color:var(--paper)}.fold-t{flex:1;line-height:1.3}.fold-x{position:relative;flex:none;width:1.75rem;height:1.75rem;border-radius:50%}.fold-x::after,.fold-x::before{content:"";position:absolute;left:50%;top:50%;width:.75rem;height:2px;margin:-1px 0 0-.375rem;background:var(--navy);border-radius:2px;transition:transform .35s var(--ease-out)}.fold-x::after{transform:rotate(90deg)}.fold[open]:not(.closing) .fold-x::after{transform:rotate(0)}@media (hover:hover) and (pointer:fine){.fold summary:hover .fold-x{background:var(--ivory)}}.fold summary:focus-visible{outline:3px solid var(--copper-ink);outline-offset:2px}.fold-inner{padding:0 1.125rem 1.25rem 3.75rem;display:flex;flex-direction:column;gap:.75rem;align-items:flex-start}.fold-inner>*{max-width:72ch}.fold-inner .table-wrap{align-self:stretch;max-width:none}@media (max-width:560px){.fold-inner{padding-left:1.125rem}}.rp-cta{display:grid;grid-template-columns:auto minmax(0,1fr) auto;align-items:center;gap:var(--sp-3);padding:clamp(1.25rem,min(2.4vw,2.16rem),1.75rem);border-radius:var(--r-lg);background:var(--paper);box-shadow:0 0 0 1px rgba(23,49,66,.07),0 1.5rem 3rem -2.5rem rgba(16,39,51,.35)}.rp-cta-art{width:4rem;color:#9fb0b8;transform:rotate(-4deg);transition:transform .5s var(--ease-out)}.rp-cta:hover .rp-cta-art{transform:rotate(0) translateY(-3px)}.rp-cta h3{font-size:1.35rem;color:var(--navy)}.rp-cta p{margin-top:.25rem;font-size:.95rem;color:var(--muted);max-width:52ch}@media (max-width:760px){.rp-cta{grid-template-columns:auto minmax(0,1fr)}.rp-cta .b{grid-column:1/-1}}.rp-cta-note{display:flex;align-items:center;gap:.4375rem;margin-top:.5rem;font-size:.85rem;color:var(--muted)}.rp-cta-note .i{width:1rem;height:1rem;color:var(--copper-ink)}.gate{width:min(31rem,calc(100vw - 2rem));max-height:calc(100svh - 2rem);padding:0;border:0;border-radius:var(--r-lg);background:var(--paper);color:var(--ink);box-shadow:0 2.5rem 5rem -1.5rem rgba(16,39,51,.5);overflow:auto;overscroll-behavior:contain}.gate::backdrop{background:rgba(16,39,51,.62);backdrop-filter:blur(3px);animation:gateFade .28s var(--ease-out)}.gate[open]{animation:gateIn .34s var(--ease-out)}.gate.out{animation:gateOut .2s ease-in forwards}.gate.out::backdrop{animation:gateFade .2s ease-in reverse forwards}.gate-in{display:flex;flex-direction:column;gap:var(--sp-2);padding:var(--sp-4)}.gate-head{display:grid;grid-template-columns:auto minmax(0,1fr) auto;align-items:start;gap:.875rem}.gate-f input,.gate-ic{border-radius:var(--ctl-r)}.gate-ic{width:2.75rem;height:2.75rem;padding:.6875rem;background:var(--navy);color:var(--paper)}.gate-head .eyebrow{font-size:.74rem}.gate h2{margin-top:.125rem;font-size:1.55rem;color:var(--navy);line-height:1.1;letter-spacing:-.02em}.gate-sub{margin-top:.1875rem;font-size:.9rem;font-weight:600;color:var(--copper-ink)}.gate-x{display:grid;place-items:center;width:2.25rem;height:2.25rem;border:0;border-radius:50%;background:0 0;color:var(--muted);cursor:pointer;transition:background-color .2s,color .2s}.gate-x .i{width:1.125rem;height:1.125rem}.gate-lead{font-size:.98rem;color:var(--muted)}.gate-f{display:flex;flex-direction:column}.gate-f+.gate-f{margin-top:.25rem}.gate-f label{font-weight:600;margin-bottom:.375rem;color:var(--navy)}.gate-f input{width:100%;min-height:3rem;border:1px solid var(--line);background:#fff;padding:0 .875rem;font:inherit;color:var(--ink);transition:border-color .2s,box-shadow .2s}.gate-mail{position:relative;display:flex;align-items:center}.gate-mail .i{position:absolute;left:.875rem;width:1.125rem;height:1.125rem;color:var(--muted);pointer-events:none;transition:color .2s}.gate-mail input{padding-left:2.625rem}.gate-f input:focus{outline:0;border-color:var(--navy);box-shadow:0 0 0 4px rgba(181,111,77,.18)}.gate-mail:focus-within .i{color:var(--navy)}.gate-f input[aria-invalid]{border-color:#a3361f;box-shadow:0 0 0 4px rgba(163,54,31,.12)}.gate-err{margin-top:.375rem;font-size:.88rem;font-weight:600;color:#a3361f}.gate-err:empty{display:none}.gate-consent{margin-top:.25rem}.gate-check{display:grid;grid-template-columns:auto minmax(0,1fr);gap:.75rem;align-items:start;padding:.875rem;border:1px solid var(--line);border-radius:var(--ctl-r);background:var(--ivory);font-size:.94rem;line-height:1.45;cursor:pointer;transition:border-color .2s,background-color .2s}.gate-check input{position:absolute;opacity:0;width:1px;height:1px}.gate-box{display:grid;place-items:center;width:1.375rem;height:1.375rem;margin-top:.05rem;border:1.5px solid rgba(23,49,66,.35);border-radius:.4375rem;background:#fff;color:transparent;transition:background-color .2s,border-color .2s,color .2s}.gate-box svg{width:.9rem;height:.9rem;stroke-width:3;transform:scale(.4);transition:transform .25s var(--ease-out)}.gate-check input:checked~.gate-box{background:var(--copper-button);border-color:var(--copper-button);color:#fff}.gate-check input:checked~.gate-box svg{transform:scale(1)}.gate-check:has(input:checked){border-color:rgba(181,111,77,.45);background:#fbf5f1}.gate-check input:focus-visible~.gate-box{outline:3px solid var(--copper-ink);outline-offset:2px}.gate-fine{font-size:.82rem;line-height:1.5;color:var(--muted)}.gate-pol{display:inline-flex;align-items:center;gap:.3rem;font-weight:700}.gate-pol .i{width:.875rem;height:.875rem}.gate .gate-why{border-radius:var(--ctl-r);background:var(--ivory)}.gate .gate-why summary{padding:.625rem .875rem;font-size:.95rem}.gate .gate-why .fold-ic{width:1.75rem;height:1.75rem;padding:.375rem;background:var(--paper)}.gate .gate-why .fold-inner{padding:0 .875rem .875rem 3.5rem;gap:.5rem;font-size:.88rem;color:var(--muted)}.gate .gate-why .fold-x{width:1.5rem;height:1.5rem}.gate-actions{display:flex;flex-direction:column;gap:.25rem;margin-top:.25rem}@media (hover:hover) and (pointer:fine){.gate-x:hover{background:var(--ivory);color:var(--navy)}.gate-check:hover{border-color:rgba(23,49,66,.3)}}@media (max-width:560px){.gate{width:100%;max-width:100%;margin:auto auto 0;border-radius:var(--r-lg) var(--r-lg)0 0;max-height:94svh}.gate[open]{animation:gateUp .34s var(--ease-out)}.gate-in{padding:var(--sp-3) var(--sp-3)0}.gate h2{font-size:1.4rem}.gate-actions{position:sticky;bottom:0;margin:0 calc(-1*var(--sp-3));padding:.625rem var(--sp-3) calc(.75rem + env(safe-area-inset-bottom));background:var(--paper);box-shadow:0-1px 0 var(--line),0-1.25rem 1.5rem -1.25rem rgba(16,39,51,.25)}@keyframes gateUp{0%{opacity:0;transform:translateY(2.5rem)}}}@media (prefers-reduced-motion:reduce){.gate.out,.gate::backdrop,.gate[open]{animation:none}.gate-box svg{transition:none}}.discuss{display:grid;grid-template-columns:minmax(0,1.4fr) auto;align-items:end;gap:var(--sp-3) var(--sp-5);padding:clamp(1.5rem,min(3vw,2.7rem),2.5rem);border-radius:var(--r-lg);background:var(--slate-pale)}.discuss h3{font-size:clamp(1.5rem,min(2.4vw,2.16rem),2.1rem);letter-spacing:-.02em}.discuss-t p{margin-top:.75rem;max-width:58ch}.discuss-a{display:flex;flex-direction:column;align-items:flex-start;gap:.625rem}.discuss .btn{white-space:normal;text-align:center;line-height:1.25;padding-block:.625rem}.discuss-meta{display:flex;align-items:center;gap:.5rem;font-size:.92rem;color:var(--muted)}.acc dt .i,.discuss-meta .i{width:1rem;height:1rem}@media (max-width:900px){.discuss{grid-template-columns:1fr;align-items:start}}@container (max-width:44rem){.discuss{grid-template-columns:1fr;align-items:start}.rp-cta{grid-template-columns:auto minmax(0,1fr)}.rp-cta .b{grid-column:2;justify-self:start}.col-card dl>div{flex-direction:column;align-items:flex-start;gap:.125rem}.col-card dd{text-align:left}}@container (max-width:30rem){.cols2{grid-template-columns:1fr}.rp-cta .b{grid-column:1/-1}}.guide-intro{max-width:62ch;font-size:1.15rem}.acc-pickers{display:grid;grid-template-columns:1fr 1fr;gap:var(--sp-3) var(--sp-4)}.acc-pick{display:flex;flex-direction:column;gap:var(--sp-1)}.acc dt,.acc-n{font-size:.8rem;font-weight:700}.acc-n{display:inline-grid;place-items:center;width:1.5rem;height:1.5rem;border-radius:.4375rem;background:var(--navy);color:var(--paper)}.acc-cols,.cols2,.gd-cols{display:grid;grid-template-columns:1fr 1fr;gap:var(--sp-2)}@media (max-width:860px){.acc-cols,.acc-pickers,.cols2,.gd-cols{grid-template-columns:1fr}}.acc,.acc dl,.col-card,.gd-cols article{display:flex;flex-direction:column;gap:var(--sp-2)}.acc,.col-card,.gd-cols article{padding:clamp(1.25rem,min(2.4vw,2.16rem),2rem);border-radius:var(--r-lg);background:var(--paper);box-shadow:0 0 0 1px rgba(23,49,66,.07)}.acc h3,.ask p,.discuss h3{color:var(--navy)}.acc h3{font-size:clamp(1.6rem,min(2.6vw,2.34rem),2.2rem);letter-spacing:-.02em}.acc-purpose{margin-top:-.5rem;font-weight:600;color:var(--copper-ink)}.acc dl{margin:0}.acc-row{padding-top:var(--sp-2);border-top:1px solid var(--line)}.acc dt{display:flex;align-items:center;gap:.5rem;letter-spacing:.1em;text-transform:uppercase;color:var(--muted)}.acc dt .i{color:var(--copper-ink)}.acc dd{margin:.375rem 0 0}.acc .ext{margin-top:auto}.ask{display:flex;gap:.75rem;align-items:flex-start;padding:1rem 1.125rem;border-radius:var(--ctl-r);background:var(--ivory)}.ask-ic{width:2rem;height:2rem;padding:.4375rem;border-radius:var(--in-r);background:var(--copper-light);color:var(--navy-deep)}.ask strong{display:block;font-size:.85rem;color:var(--copper-ink)}.ask p{margin-top:.125rem;font-family:var(--f-display);font-size:1.12rem;font-weight:500;line-height:1.35}.ask-wide{background:var(--paper);box-shadow:0 0 0 1px rgba(23,49,66,.07)}.gd-stage{display:flex;flex-direction:column;gap:var(--sp-2)}.gd-k{display:flex;align-items:center;gap:.5rem;font-size:.8rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--copper-ink)}.gd-k .i{width:1.125rem;height:1.125rem}.gd-cols p:not(.gd-k){font-size:1.05rem}.gd-adv{background:var(--navy)!important;color:var(--on-dark)}.gd-adv .gd-k{color:var(--copper-light)}.col-card h3{display:flex;align-items:center;gap:.625rem;font-size:1.35rem;color:var(--navy)}.col-card h3 i{width:.75rem;height:.75rem;border-radius:50%;background:var(--c)}.col-card dl{margin:0;display:flex;flex-direction:column}.col-card dl>div{display:flex;justify-content:space-between;align-items:baseline;gap:1rem;padding:.625rem 0;border-top:1px solid var(--line)}.col-card dt{font-size:.92rem;color:var(--muted)}.col-card dd{margin:0;font-family:var(--f-display);font-weight:600;font-size:1.15rem;color:var(--navy);font-variant-numeric:tabular-nums;text-align:right}.wf-card{display:grid;grid-template-columns:auto minmax(0,1fr);gap:var(--sp-3)}.wf-card>div:last-child{display:flex;flex-direction:column;gap:var(--sp-2)}.wf-ic{display:grid;place-items:center;width:3.25rem;height:3.25rem;border-radius:var(--ctl-r);background:var(--navy);color:var(--paper)}.wf-ic .i{width:1.5rem;height:1.5rem}.wf-card h3{font-size:clamp(1.5rem,min(2.4vw,2.16rem),2.1rem);color:var(--navy)}.wf-card p{font-size:1.08rem}@media (max-width:560px){.wf-card{grid-template-columns:1fr}}.sec-h{margin-top:var(--sp-3);font-size:clamp(1.5rem,min(2.4vw,2.16rem),2.1rem);color:var(--navy)}.swap{animation:swapIn .45s var(--ease-out)}@media (prefers-reduced-motion:reduce){.swap{animation:none}}.work-debts{margin-top:0}.debt-rows{display:flex;flex-direction:column;gap:var(--sp-2)}.debt{margin:0;padding:.75rem .875rem .875rem;border:0;border-radius:var(--r-md);background:var(--ivory);min-width:0}.debt-head,.debt-t{display:flex;align-items:center;gap:.5rem}.debt-head{justify-content:space-between;min-height:2.75rem}.debt-t{font-weight:700;color:var(--navy)}.debt-t i{width:.625rem;height:.625rem;border-radius:50%}.debt-grid{gap:var(--sp-2);margin-top:.25rem}.debt .b-danger span{font-size:.88rem}.payoff-card h3,.rp-side h1{font-size:1.35rem;color:var(--navy)}.debt-grid,.payoff,.po-group{display:flex;flex-direction:column}.payoff{gap:var(--sp-3);margin-top:var(--sp-2)}.po-group{gap:.5rem}.po-title{font-weight:700;color:var(--ink)}.po-row{display:grid;grid-template-columns:4.5rem minmax(0,1fr) 7.5rem;align-items:center;gap:.75rem;min-height:1.75rem}.po-name,.rp-side p{font-size:.9rem;color:var(--muted)}.po-bar,.po-track{border-radius:.375rem}.po-track{position:relative;height:.75rem;background:#e3e8ea}.po-bar{position:absolute;left:0;top:0;bottom:0;width:var(--w);background:var(--c);transition:width .7s var(--ease-out)}.po-mark{position:absolute;top:-.3125rem;bottom:-.3125rem;left:var(--x,0);width:2px;background:var(--copper-ink);transition:left .3s var(--ease-out)}.peek strong,.po-when{font-variant-numeric:tabular-nums}.po-when{font-size:.9rem;font-weight:600;color:var(--navy);text-align:right}@media (prefers-reduced-motion:reduce){.po-bar,.po-mark{transition:none}}.peek{position:fixed;z-index:45;left:.75rem;right:.75rem;top:calc(.75rem + env(safe-area-inset-top));display:flex;align-items:center;justify-content:space-between;gap:.75rem;padding:.625rem .875rem;border-radius:var(--ctl-r);background:var(--navy);color:var(--on-dark);box-shadow:0 14px 30px -14px rgba(16,39,51,.6);transform:translateY(calc(-100% - 1.5rem));transition:transform .35s var(--ease-out);pointer-events:none}.peek.on{transform:none}.peek span{font-size:.85rem;color:var(--on-dark-soft);overflow:hidden;text-overflow:ellipsis;white-space:nowrap}.peek strong{flex:none;font-family:var(--f-display);font-size:1.3rem}@media (min-width:1100px){.peek{display:none}}.tools-foot{background:var(--navy-deep);color:var(--on-dark-soft);font-size:.95rem}body.rp-tab{background:#dfe4e6}.rp-page{display:grid;grid-template-columns:23rem minmax(0,1fr);height:100svh}.rp-side{display:flex;flex-direction:column;gap:var(--sp-3);padding:1.5rem;background:var(--paper);overflow:auto;box-shadow:1px 0 0 var(--line)}.rp-side-head{display:flex;align-items:center;gap:.875rem}.rp-side-head>.i{width:2.75rem;height:2.75rem;padding:.6875rem;border-radius:var(--ctl-r);background:var(--navy);color:var(--paper)}.rp-side h1{font-size:1.6rem;line-height:1.1}.rp-side .rp-side-sub{margin-top:.125rem;font-size:.9rem;color:var(--copper-ink);font-weight:600}.rp-side p{font-size:.95rem}.rp-side label{display:block;font-weight:600;margin-bottom:.375rem}.rp-side input,.rp-side textarea{width:100%;border:1px solid var(--line);border-radius:var(--ctl-r);background:#fff;padding:.75rem .875rem;font:inherit;color:var(--ink);transition:border-color .2s,box-shadow .2s}.rp-side textarea{min-height:8rem;resize:vertical}.rp-side input:focus,.rp-side textarea:focus{outline:0;border-color:var(--navy);box-shadow:0 0 0 4px rgba(181,111,77,.18)}.rp-who{display:grid;grid-template-columns:auto minmax(0,1fr);gap:.5rem .625rem;align-items:start;padding:.75rem .875rem;border-radius:var(--ctl-r);background:var(--ivory);font-size:.88rem!important;line-height:1.45}.rp-who .i{width:1.125rem;height:1.125rem;color:var(--copper-ink);margin-top:.1rem}.rp-who .b{grid-column:2;justify-self:start;margin-left:-.5rem}.rp-who.off .i{color:var(--muted)}.rp-actions{display:flex;flex-direction:column;gap:var(--sp-1);margin-top:auto}.rp-actions .b{width:100%}.rp-stage{overflow:auto;padding:2rem 1rem 4rem}.rp-stage .rp-doc{zoom:var(--zoom,1);margin:0 auto;width:8.5in;animation:docIn .5s var(--ease-out)}.rp-stage .rp-sheet{background:#fff;box-shadow:0 20px 50px -25px rgba(16,39,51,.5);padding:.6in .65in .55in;min-height:11in}.rp [hidden]{display:none!important}@media (max-width:860px){.rp-page{grid-template-columns:1fr;grid-template-rows:auto minmax(0,1fr)}.rp-side{max-height:46svh;gap:var(--sp-2)}.rp-side textarea{min-height:4.5rem}.rp-stage{padding:1rem .5rem 3rem}.rp-actions{flex-direction:row;margin-top:0}}@media print{body.rp-tab{background:#fff}.rp-tab .rp-side{display:none}.rp-tab .rp-page{display:block;height:auto}.rp-tab .rp-stage{overflow:visible;padding:0}.rp-tab .rp-stage .rp-doc{zoom:1;width:auto;animation:none}.rp-tab .rp-stage .rp-sheet{padding:0;min-height:0;box-shadow:none}}.rp{font-family:var(--f-text);color:#1f2d35;font-size:10.5pt;line-height:1.45;-webkit-print-color-adjust:exact;print-color-adjust:exact}.rp h1,.rp h2,.rp h3{font-family:var(--f-display);color:#173142;margin:0;text-wrap:balance}.rp-head{display:flex;align-items:flex-end;justify-content:space-between;gap:16pt;padding-bottom:10pt;border-bottom:1.5pt solid #173142}.rp-head img{height:40pt;width:auto}.rp-head .meta{text-align:right;font-size:9pt;color:#586974;line-height:1.35}.rp-head .meta b{display:block;font-size:8pt;letter-spacing:.12em;text-transform:uppercase;color:#945236}.rp-title{margin-top:16pt!important;font-size:24pt;font-weight:600;letter-spacing:-.02em;line-height:1.05}.rp-for{margin-top:4pt;color:#586974}.rp-lead{margin-top:10pt;padding:11pt 13pt;border-radius:8pt;background:#173142;color:#f4f3ef;font-family:var(--f-display);font-size:13pt;line-height:1.3}.rp-end,.rp-sec{break-inside:avoid}.rp-sec{margin-top:10pt}.rp-end{page-break-inside:avoid}.rp-sec h2{font-size:12.5pt;font-weight:650;margin-bottom:6pt}.rp-hyp{display:grid;grid-template-columns:1fr 1fr;gap:0 18pt;margin:0}.rp td,.rp th,.rp-hyp div{border-bottom:.5pt solid #d6dddf}.rp-hyp div{display:flex;justify-content:space-between;gap:10pt;padding:4pt 0;font-size:9.5pt}.rp-hyp dt{color:#586974}.rp-hyp dd{margin:0;font-weight:700;text-align:right;white-space:nowrap}.rp-metrics{display:grid;grid-template-columns:repeat(3,1fr);gap:8pt}.rp-metrics div{padding:8pt 10pt;border-radius:6pt;background:#f4f3ef}.rp-metrics span{display:block;font-size:8.5pt;color:#586974}.rp table,.rp-hyp dd,.rp-metrics strong{font-variant-numeric:tabular-nums}.rp-metrics strong{font-family:var(--f-display);font-size:14pt;color:#173142}.rp-fig svg{display:block;width:100%;height:auto}.rp-fig .c-grid line{stroke:#dde3e5}.rp-fig .c-grid text{fill:#586974;font-size:11px}.rp-fig .c-line{fill:none;stroke-width:2.5}.rp-fig .c-area{fill-opacity:.08}.rp-fig .legend{margin-top:4pt;font-size:8.5pt;gap:4pt 14pt}.rp table{width:100%;border-collapse:collapse;font-size:9pt}.rp td,.rp th{padding:3.2pt 6pt;text-align:right}.rp th:first-child{text-align:left}.rp thead th{font-size:8.5pt}.rp-notes p{font-size:9.5pt;margin-top:4pt}.rp-cmp{display:grid;grid-template-columns:1fr 1fr;gap:12pt}.rp-cmp article{padding:10pt 12pt;border-radius:8pt;background:#f4f3ef;break-inside:avoid}.rp-cmp h3{font-size:15pt}.rp-cmp .sub{color:#945236;font-weight:600;margin-top:2pt}.rp-cmp dt,.rp-topic .two b{font-size:8pt;text-transform:uppercase}.rp thead th,.rp-cmp dt{font-weight:700;color:#586974}.rp-cmp dt{margin-top:7pt;letter-spacing:.08em}.rp-cmp dd{margin:1pt 0 0;font-size:9.5pt}.rp-cmp .lnk{margin-top:6pt;font-size:8pt;color:#586974;word-break:break-all}.rp-topic{margin-top:10pt;padding-top:8pt;border-top:.5pt solid #d6dddf;break-inside:avoid}.rp-contact h3,.rp-topic h3{font-size:12.5pt}.rp-topic .two{display:grid;grid-template-columns:1fr 1fr;gap:12pt;margin-top:4pt;font-size:9.5pt}.rp-topic .two b{display:block;letter-spacing:.06em;color:#945236;margin-bottom:1pt}.rp-topic .q{margin-top:5pt;font-family:var(--f-display);font-size:10.5pt;color:#173142}.rp-contact,.rp-q{padding:10pt 12pt;border-radius:8pt}.rp-q{border:1pt solid #d6dddf}.rp-q .lines{height:44pt;background:repeating-linear-gradient(transparent 0 19pt,#d6dddf 19pt 20pt)}.rp-q .txt{white-space:pre-wrap;font-size:10pt}.rp-limits p{font-size:7.6pt;line-height:1.4;color:#4d5d66;margin-top:3pt}.rp-contact{display:grid;grid-template-columns:auto 1fr auto;align-items:center;gap:12pt;background:#e5ebee}.rp-contact .ph{width:48pt;height:48pt;border-radius:50%;background:#173142 center 18%/cover no-repeat}.rp-contact p{font-size:9pt;color:#26343d;margin:1pt 0 0}.rp-contact .cta{text-align:right;font-size:9pt}.rp-contact .cta strong{display:block;font-family:var(--f-display);font-size:11pt;color:#945236}.rp-foot{margin-top:12pt;padding-top:7pt;border-top:.5pt solid #d6dddf;font-size:7.5pt;line-height:1.4;color:#586974}.rp-foot p+p{margin-top:3pt}.rp-foot .rp-src{font-weight:600;color:#945236}@page{size:letter;margin:.5in .55in .55in}@media print{html.has-report body>:not(#print-root){display:none!important}html.has-report #print-root{display:block}html.has-report,html.has-report body{background:#fff!important}html.has-report .rp-sheet{padding:0;min-height:0;box-shadow:none}.rp-cmp article,.rp-contact,.rp-end,.rp-q,.rp-sec,.rp-topic{break-inside:avoid}.rp-sec h2,.rp-title{break-after:avoid}}.tools-agenda li a{font-size:.95rem;line-height:1.2}@media (min-width:1200px) and (max-height:820px){.tools-agenda{padding-block:.875rem}.tools-agenda .all{margin-top:.625rem}.tools-agenda ol{margin-top:.5rem;padding-top:.5rem}.tools-agenda .all,.tools-agenda li a{min-height:2.5rem;padding-block:.125rem;font-size:.9rem}.tools-agenda .ic{width:1.75rem;height:1.75rem}.tools-agenda .foot{margin-top:.5rem;padding-top:.5rem;gap:.25rem}.tools-agenda .foot .tel{min-height:2.5rem}.tools-agenda .foot .btn{min-height:2.75rem}.agenda .home{min-height:2.25rem}}@media (max-width:560px){.seg-keep{grid-template-columns:repeat(3,minmax(0,1fr))}.seg-keep .seg-opt{font-size:.84rem;padding-inline:.375rem}}