@charset "UTF-8";
:root{--ink:#193b33;--muted:#68736e;--green:#153e35;--lime:#d9eda9;--paper:#f6f7f2;--line:#dfe5db;--white:#fff;--orange:#a94d24}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:96px}body{margin:0;background:var(--paper);color:var(--ink);font-family:"Pretendard","Malgun Gothic",system-ui,sans-serif;line-height:1.65;word-break:keep-all}button,input{font:inherit}button,a,input,summary{-webkit-tap-highlight-color:transparent}a{color:inherit;text-decoration:none}button,summary{cursor:pointer}button{border:0}button:focus-visible,a:focus-visible,summary:focus-visible,input:focus-visible{outline:3px solid #b56624;outline-offset:4px}h1,h2,h3,h4,p{margin:0}h1,h2,h3,h4{line-height:1.4}button{touch-action:manipulation}.wrap{max-width:1200px;margin:auto;padding-left:32px;padding-right:32px}.site-header{background:rgba(246,247,242,.97);border-bottom:1px solid var(--line)}.header-inner{min-height:88px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{display:inline-flex;align-items:center;gap:10px;font-size:21px;font-weight:800;letter-spacing:-1px;white-space:nowrap}.brand-icon{width:35px;height:35px;background:var(--green);border-radius:10px;color:var(--lime);font-family:Georgia,serif;text-align:center;font-size:32px;line-height:30px}.brand-icon span{font-size:28px}.beta{font-size:9px;font-weight:700;letter-spacing:1px;color:var(--muted);border:1px solid #cbd3c8;border-radius:4px;padding:2px 5px}nav{display:flex;align-items:center;gap:30px;font-size:13px;font-weight:700}nav .active{color:var(--green)}.nav-cta{border:1px solid #cdd6ca;border-radius:7px;padding:9px 14px}.nav-cta span{margin-left:12px}.hero{padding:62px 0 56px;display:grid;grid-template-columns:1fr 280px;gap:50px;align-items:center}.eyebrow{font-size:11px;letter-spacing:1.4px;font-weight:800;color:#507052}.eyebrow>span{display:inline-block;width:7px;height:7px;background:#79a15b;border-radius:100%;margin-right:7px}h1{font-size:46px;font-weight:800;letter-spacing:-2.2px;line-height:1.35;margin:18px 0}h1 em{font-style:normal;color:#487451}.hero-description{font-size:16px;line-height:1.8;color:var(--muted)}.trust{display:flex;gap:20px;margin-top:24px;font-size:12px;color:#4e6251}.hero-note{border-left:1px solid #d5ddcc;padding-left:34px;transform:rotate(-2deg)}.note-number{font-size:9px;letter-spacing:1.5px;color:var(--muted)}.note-graphic{display:flex;align-items:flex-end;gap:8px;height:78px;margin:18px 0}.note-graphic i{width:30px;background:#d2dfc8;border-radius:5px 5px 0 0;height:22px}.note-graphic i:nth-child(2){height:35px}.note-graphic i:nth-child(3){height:50px;background:#98b68a}.note-graphic i:nth-child(4){height:68px;background:#467152}.note-graphic span{font-size:40px;color:#78956a;align-self:flex-start;line-height:1}.hero-note strong{display:block;font-size:20px;letter-spacing:-.7px;line-height:1.5}.hero-note p{font-size:12px;color:var(--muted);margin-top:9px}.section-heading{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-bottom:23px}.section-heading h2{font-size:23px;letter-spacing:-1px;margin-top:6px}.tag{font-size:11px;border:1px solid #cfd9c9;border-radius:20px;padding:5px 12px;white-space:nowrap}.calculator-grid{display:grid;grid-template-columns:1.05fr 1fr;gap:24px;align-items:start}.panel{background:#fff;border:1px solid var(--line);border-radius:14px;padding:26px}.panel-title{display:flex;justify-content:space-between;align-items:center;gap:8px}h3{font-size:17px;letter-spacing:-.5px}.step{display:inline-flex;background:#edf2e5;border-radius:50%;width:24px;height:24px;align-items:center;justify-content:center;font-size:12px;margin-right:6px}.text-button{padding:9px 0;background:transparent;color:#5a6c58;font-size:11px;font-weight:700;min-height:44px}.muted{color:var(--muted)}.panel-intro{font-size:12px;margin:6px 0 21px}.field-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px 16px}.full{grid-column:1/-1}.field{min-width:0}.field label{display:block;font-size:12px;font-weight:700;margin-bottom:7px}.input-unit{display:flex;align-items:center;border:1px solid #d5ded1;border-radius:7px;background:#fff;min-height:48px;transition:border-color .15s}.input-unit:focus-within{border-color:#4a7955;box-shadow:0 0 0 2px #e3edda}.input-unit input{width:100%;min-width:0;padding:9px 0 9px 13px;font-size:19px;font-weight:650;border:0;border-radius:7px;background:transparent;color:var(--ink);outline-offset:-2px;font-variant-numeric:tabular-nums}.input-unit>span{font-size:12px;color:var(--muted);padding:0 12px 0 6px;white-space:nowrap}.field small{display:block;margin-top:6px;font-size:10px;line-height:1.6;color:var(--muted)}input[aria-invalid=true]{outline:2px solid #b74730;outline-offset:-2px}.error{display:block;color:#ac342b;font-size:11px;line-height:1.5;margin-top:4px}.error:empty{display:none}.assumptions{margin-top:20px;border-top:1px solid var(--line);padding-top:16px}.assumptions summary{font-size:12px;font-weight:700;min-height:28px}.assumptions summary span{font-weight:400;color:var(--muted);font-size:10px;margin-left:10px}.assumptions .field-grid{padding-top:18px}.outsource-panel{margin-top:14px}.outsource-panel h3{margin-bottom:20px}.small-tag{font-size:9px;padding:4px 7px;background:#f0f2ed;border-radius:4px;font-weight:500;margin-left:4px;vertical-align:middle}.assumption-note{background:#faf5ed;color:#795b3a;padding:13px 14px;font-size:11px;line-height:1.8;border-radius:6px;margin-top:18px}.primary{background:var(--green);color:#fff;border-radius:8px;padding:15px 20px;font-size:14px;font-weight:700;display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:52px}.primary:hover{background:#255547}.calculate{width:100%;margin-top:15px}.calculate span{font-size:21px;line-height:1}.privacy-line{font-size:10px;text-align:center;color:var(--muted);margin-top:10px}.form-status{font-size:12px;color:#a33829;margin-top:10px}.form-status:empty{display:none}.results{border-radius:15px;background:var(--green);color:#fff;padding:28px;overflow:hidden}.result-header{display:flex;align-items:center;justify-content:space-between;gap:12px}.result-header h3{font-size:20px}.result-header>span{font-size:10px;color:#d5e5c8;border:1px solid #5b7965;padding:3px 8px;border-radius:20px}.result-state{font-size:11px;color:#c5d8c8;margin-top:6px;margin-bottom:24px}.metrics{display:grid;grid-template-columns:1fr 1fr;gap:20px}.metric>span,.metric-wide>div>span{font-size:12px;color:#d3dfd2}.metric strong{display:block;font-size:31px;letter-spacing:-1.4px;color:var(--lime);font-variant-numeric:tabular-nums;overflow-wrap:anywhere}.metric small{font-size:10px;color:#b2c7b7}.metric-wide{grid-column:1/-1;border-top:1px solid #416255;padding-top:18px;display:flex;align-items:center;justify-content:space-between;gap:20px}.metric-wide p{max-width:185px;color:#c0d1c3;font-size:10px;line-height:1.8}.capacity-notice{font-size:11px;color:#dbe8d0;background:#294f40;border-radius:6px;padding:12px;margin-top:16px;line-height:1.7}.cost-section{margin-top:27px}.cost-title{display:flex;justify-content:space-between;gap:12px;align-items:center;padding-bottom:14px;border-bottom:1px solid #416255}.cost-title h4{font-size:14px}.cost-title>span{font-size:10px;color:#bad0bf;white-space:nowrap}.cost-row{display:flex;justify-content:space-between;gap:12px;align-items:center;padding-top:17px}.cost-row span{font-size:12px}.cost-row small{font-size:9px;color:#b3c7b7;display:block;margin-top:2px}.cost-row strong{font-size:17px;font-variant-numeric:tabular-nums;text-align:right;overflow-wrap:anywhere}.outsource-result{background:#eff5e5;border-radius:9px;color:var(--green);padding:18px;margin-top:23px}.scenario-label{font-size:10px;font-weight:800;color:#557041}.fee-line,.retained-line,.combined-line{display:flex;align-items:center;justify-content:space-between;gap:8px;margin-top:10px}.fee-line>span{font-size:12px}.fee-line strong{font-size:21px;letter-spacing:-.8px;text-align:right;overflow-wrap:anywhere}.outsource-result p{font-size:10px;color:#64785b;line-height:1.7;margin-top:5px}.retained-line{font-size:10px;margin-top:16px}.combined-line{border-top:1px solid #cddbbd;padding-top:12px;margin-top:12px;font-size:11px}.combined-line strong{font-size:16px;text-align:right;overflow-wrap:anywhere}.outsource-result>small{font-size:9px;color:#64785b}.comparison-note{font-size:10px;line-height:1.9;color:#c2d2c4;margin-top:16px}.result-cta{display:flex;align-items:center;justify-content:space-between;gap:12px;border:1px solid #6e886b;border-radius:7px;padding:13px 16px;margin-top:22px;font-size:12px;font-weight:700;color:#e4efcd}.result-cta:hover{background:#2b5445}.cta-caption{text-align:center;font-size:9px;color:#b3c7b7;margin-top:8px}.ad-slot{border:1px dashed #cdd5c5;border-radius:8px;margin:42px 0 58px;padding:18px;text-align:center;color:var(--muted);background:#f0f2eb}.ad-slot>span{display:inline-block;font-size:9px;border:1px solid #ccd3c6;padding:1px 8px;border-radius:3px}.ad-slot p{font-size:11px;margin:5px 0 1px}.ad-slot small{font-size:9px}.guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:32px;margin-top:28px;margin-bottom:28px}.guide-grid article{border-top:1px solid #ccd8c4;padding-top:20px}.article-number{font-size:11px;color:#738c64;font-weight:700}.guide-grid h3{margin:10px 0;font-size:16px}.guide-grid p{font-size:12px;color:#647061;line-height:1.95}.faq{border-top:1px solid var(--line);padding:16px 0}.faq:last-child{border-bottom:1px solid var(--line)}.faq summary{font-size:13px;font-weight:700;min-height:28px}.faq>div{font-size:12px;color:#5e705f;line-height:1.9;padding:16px 8px 8px}.faq p+p{margin-top:14px}.consult{background:#e5edd8;border:1px solid #d6e0c9;border-radius:12px;padding:35px 38px;margin-top:48px;display:flex;align-items:center;justify-content:space-between;gap:32px}.consult h2{font-size:26px;letter-spacing:-1px;margin:10px 0 14px}.consult p{font-size:12px;color:#5e7356;line-height:1.9}.consult-note{display:block;font-size:10px;color:#5d7157;margin-top:14px}.consult .primary{flex-shrink:0;font-size:12px}.summary-panel{margin-top:20px}.summary-panel p,.summary-panel ul{font-size:13px;margin-top:12px;line-height:1.9}.summary-panel ul{padding-left:20px}.privacy-section{margin:35px 0}.privacy-section h2{font-size:12px;margin-bottom:6px}.privacy-section p{font-size:10px;color:var(--muted);line-height:1.8}.footer{border-top:1px solid var(--line);padding-top:24px;padding-bottom:32px;display:flex;align-items:center;gap:24px;flex-wrap:wrap}.footer .brand{font-size:16px}.footer p{font-size:10px;color:var(--muted);flex:1}.footer>a:not(.brand),.footer>span{font-size:9px;color:var(--muted)}.skip{position:absolute;left:20px;top:-100px;background:#fff;padding:10px;z-index:10}.skip:focus{top:10px}.warning{padding:15px;background:#fff0de;margin-bottom:15px}[hidden]{display:none!important}
@media(min-width:1100px){.results{position:sticky;top:20px}}@media(max-width:900px){.hero{grid-template-columns:1fr 200px;gap:25px}h1{font-size:38px}.hero-note{padding-left:24px}.calculator-grid{gap:16px}.panel,.results{padding:21px}.fee-line{align-items:flex-start;flex-direction:column}.combined-line{flex-wrap:wrap}.consult{padding:28px;gap:20px}.consult .primary{max-width:210px}.guide-grid{gap:22px}nav{gap:18px}.section-heading h2{font-size:21px}}@media(max-width:700px){.wrap{padding-left:20px;padding-right:20px}.header-inner{min-height:72px}.brand{font-size:19px}.brand-icon{width:30px;height:30px;line-height:27px;font-size:29px}nav>a:not(.nav-cta){display:none}nav{gap:0}.nav-cta{font-size:10px;padding:8px 9px}.nav-cta span{margin-left:5px}.hero{display:block;padding:40px 0}.hero-note{display:none}h1{font-size:36px;letter-spacing:-1.7px}.hero .eyebrow{font-size:9px;letter-spacing:.8px}.hero-description{font-size:14px}.trust{font-size:10px;gap:15px;margin-top:20px}.section-heading{align-items:flex-start;gap:10px}.section-heading h2{font-size:20px}.section-heading .tag{display:none}.eyebrow{font-size:9px}.calculator-grid{grid-template-columns:1fr;gap:22px}.panel{padding:22px}.panel-title h3{font-size:16px}.field-grid{gap:18px 14px}.results{padding:25px}.fee-line{flex-direction:row;align-items:center}.metric strong{font-size:32px}.ad-slot{margin:30px 0 40px}.guide-grid{grid-template-columns:1fr;gap:24px}.guide-grid p{font-size:13px}.guide-grid h3{font-size:17px}.consult{margin-top:35px;padding:25px;flex-direction:column;align-items:stretch;gap:22px}.consult h2{font-size:24px}.consult .primary{max-width:none;width:100%}.footer{gap:12px 20px}.footer p{flex-basis:100%;order:3}.footer>span{margin-left:auto}.privacy-line{font-size:9px}.assumptions summary span{display:block;margin:4px 0 0 16px}}@media(max-width:370px){.wrap{padding-left:14px;padding-right:14px}.panel,.results{padding:18px}.brand{gap:6px;font-size:17px}.header-inner{gap:10px}.beta{font-size:8px}h1{font-size:31px}.fee-line{flex-direction:column;align-items:flex-start}.panel-title{flex-wrap:wrap}.field label{font-size:11px}.metric strong{font-size:28px}.metric-wide{gap:10px}.metric-wide p{max-width:145px}.trust{gap:10px}.combined-line strong{font-size:15px}.consult{padding:21px}}
@media(max-width:900px){.calculator-grid{grid-template-columns:1fr}.metric-wide>div{flex-shrink:0;min-width:100px}}
@media(max-width:700px){.fee-line{flex-direction:column;align-items:stretch;gap:5px}.fee-line strong{font-size:19px;text-align:left;letter-spacing:-.6px}.combined-line{flex-direction:column;align-items:flex-start;gap:4px}.combined-line strong{text-align:left}}
.consult-actions{display:flex;flex-direction:column;align-items:stretch;gap:8px;flex-shrink:0;max-width:340px}.consult-actions .primary{max-width:none}.consult-actions .text-button{font-size:12px;text-decoration:underline;text-underline-offset:4px}.consult-actions small{font-size:9px;color:#52654d;text-align:center}@media(max-width:900px){.consult-actions{flex-shrink:1}}@media(max-width:700px){.consult-actions{width:100%;max-width:none}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}

select{font:inherit;color:var(--ink);width:100%;min-height:48px;border:1px solid #d5ded1;border-radius:7px;padding:10px;background:white;font-size:12px}select:focus-visible{outline:3px solid #b56624;outline-offset:3px}.hub-hero{display:grid;grid-template-columns:1.4fr 1fr;align-items:center;gap:70px;padding:76px 0 64px}.hub-hero h1{font-size:48px;letter-spacing:-2.5px;margin:20px 0}.hero-actions{display:flex;align-items:center;gap:24px;margin-top:28px}.secondary{font-size:12px;font-weight:700}.receipt{background:white;box-shadow:0 16px 42px #254a3410;border:1px solid var(--line);border-radius:3px;padding:30px;transform:rotate(2deg);position:relative}.receipt:after{content:'';position:absolute;bottom:-7px;left:-1px;right:-1px;height:9px;background:linear-gradient(135deg,#fff 5px,transparent 0) 0 0/12px 12px,linear-gradient(225deg,#fff 5px,transparent 0) 0 0/12px 12px}.receipt-top{display:flex;justify-content:space-between;gap:12px;font-size:13px;font-weight:750}.receipt-top>span:last-child{font-size:10px;background:#edf2e5;padding:2px 8px}.receipt-caption{font-size:10px;color:var(--muted);margin-top:12px;line-height:1.8}.receipt dl{margin:26px 0 22px}.receipt dl>div{display:flex;justify-content:space-between;gap:12px;margin-top:13px;font-size:11px}.receipt dd{margin:0;white-space:nowrap}.receipt-total{border-top:1px dashed #c7d2c1;padding-top:22px;display:flex;justify-content:space-between;align-items:center;gap:15px}.receipt-total>span:first-child{font-size:11px}.receipt-total strong{display:block;font-size:42px;letter-spacing:-1.5px;line-height:1.4}.receipt-total strong span{font-size:18px;margin-left:5px}.receipt-rate{background:var(--lime);border-radius:50%;height:65px;width:65px;display:flex;align-items:center;justify-content:center;font-size:15px;font-weight:750}.hub-intro{display:flex;align-items:center;gap:28px;padding:21px 0;border-block:1px solid var(--line);font-size:12px}.hub-intro strong{font-size:19px;margin-left:10px}.hub-intro p{color:var(--muted);flex:1}.hub-intro>a{font-size:11px}.hub-section{padding-top:58px}.tool-toolbar{display:flex;justify-content:space-between;align-items:center;gap:20px;margin:24px 0 10px}.filters{display:flex;gap:7px;flex-wrap:wrap}.filters button{border:1px solid #d6dfce;background:transparent;padding:10px 15px;border-radius:7px;color:var(--muted);font-size:12px;min-height:44px}.filters button[aria-pressed=true]{background:var(--green);color:white;border-color:var(--green)}.tool-search{display:flex;align-items:center;gap:12px;font-size:11px}.tool-search input{border:1px solid #d5dece;border-radius:7px;background:#fff;padding:10px 12px;min-height:44px;width:205px;font-size:12px}.count-note{font-size:10px;color:var(--muted);margin-bottom:18px}.tool-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.tool-card{border:1px solid var(--line);background:white;border-radius:11px;padding:24px;display:flex;flex-direction:column;min-height:230px}.tool-card.available{border-color:#b9c9ad}.tool-card.upcoming{background:#f0f3eb}.card-top{display:flex;align-items:center;justify-content:space-between;margin-bottom:22px}.tool-icon{font:italic 22px Georgia,serif;color:#638052}.status-badge{font-size:9px;background:#e7f0db;color:#456139;border-radius:4px;padding:4px 8px}.upcoming .status-badge{background:#e5e9df;color:#6d7767}.tool-card h3{font-size:17px}.tool-card h3 a{display:block}.tool-card h3 a:hover{text-decoration:underline;text-underline-offset:5px}.tool-card p{font-size:12px;color:var(--muted);margin:10px 0 20px}.card-bottom{font-size:10px;color:#687b5b;margin-top:auto}.editorial-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}.editorial{display:block;border-top:2px solid var(--green);padding:26px 28px 24px;background:#e9eee1;border-radius:0 0 10px 10px}.editorial:nth-child(2){background:#eeeade}.editorial h3{font-size:25px;letter-spacing:-1px;margin:15px 0}.editorial p{font-size:13px;color:#61705c;max-width:390px;line-height:1.9}.editorial>span:last-child{display:block;font-size:12px;font-weight:700;margin-top:28px}.editorial:hover h3{text-decoration:underline;text-underline-offset:5px}.site-note{font-size:10px;color:var(--muted);margin:25px 0 40px}.breadcrumb{font-size:11px;color:var(--muted);margin-top:28px}.breadcrumb a{text-decoration:underline;text-underline-offset:3px}.page-hero{padding:34px 0 40px}.page-hero h1{font-size:40px}.margin-panel{margin-top:16px}.margin-panel h2,.panel-title h2{font-size:18px;letter-spacing:-.6px}.margin-results h2{font-size:19px}.margin-main>span{font-size:12px;color:#d3dfd2}.margin-main strong{display:block;color:var(--lime);font-size:44px;letter-spacing:-1.6px;line-height:1.5;overflow-wrap:anywhere}.margin-main small,.margin-pair small{font-size:10px;color:#b9cdbd;display:block}.margin-pair{display:grid;grid-template-columns:1fr 1.2fr;gap:15px;margin-top:24px;padding-top:20px;border-top:1px solid #416255}.margin-pair span{font-size:11px;color:#d3dfd2}.margin-pair strong{display:block;font-size:23px;letter-spacing:-.8px;color:var(--lime);overflow-wrap:anywhere}.margin-results .loss{color:#ffbf9e}.break-even{background:#eff5e5;border-radius:9px;padding:18px;margin-top:25px;color:var(--green)}.break-even>div+div{border-top:1px solid #cbd7c1;margin-top:15px;padding-top:15px}.break-even span,.break-even small{display:block;font-size:10px}.break-even strong{display:block;font-size:19px;margin:3px 0;overflow-wrap:anywhere}.break-even small{color:#67795d}.related{display:flex;gap:18px;flex-wrap:wrap;margin:35px 0 50px;font-size:12px}.related a{background:#e5edd8;border-radius:8px;padding:16px}.method h2{font-size:24px;margin-top:8px}.reading{max-width:760px;margin:48px auto 65px;font-size:15px;line-height:2}.reading h1{font-size:39px;letter-spacing:-1.5px;line-height:1.5;margin:16px 0 22px}.reading .lede{font-size:17px;color:#5b705c;line-height:1.95}.article-meta{font-size:11px;color:var(--muted);border-bottom:1px solid var(--line);padding-bottom:24px}.reading p{margin:16px 0}.reading h2{font-size:23px;letter-spacing:-.6px;margin:42px 0 14px}.reading h3{font-size:17px}.example-box{background:#eaf0e1;border:1px solid #d4dfc9;padding:24px;border-radius:10px;margin:25px 0}.example-box p{font-size:12px;color:#5e7057}.example-list>div{display:flex;justify-content:space-between;gap:20px;font-size:12px;padding:9px 0;border-bottom:1px solid #d1dbc6}.example-list dd{margin:0;text-align:right}.table-scroll{overflow-x:auto;margin:25px 0}table{width:100%;border-collapse:collapse;font-size:13px}caption{text-align:left;font-size:11px;color:var(--muted);margin-bottom:10px}th,td{text-align:left;padding:14px 12px;border-bottom:1px solid #d7dfd0;white-space:nowrap}thead{background:#e5edd8}tbody th{font-weight:500}.article-cta{background:#e5edd8;padding:26px;border-radius:10px;margin-top:40px}.article-cta h2{margin:0;font-size:23px}.article-cta p{font-size:13px}.article-cta .primary{max-width:280px}.text-link{text-decoration:underline;text-underline-offset:5px;font-size:13px}.empty-state{padding:30px;background:white;border-radius:10px;font-size:14px}.reading>a.primary{max-width:360px}
@media(max-width:1000px){.hub-hero{gap:35px}.hub-hero h1{font-size:40px}.receipt{padding:24px}.receipt dl>div{font-size:10px}.tool-card{padding:20px}.hub-intro{gap:16px}.hub-intro p{font-size:11px}}@media(max-width:800px){.hub-hero{grid-template-columns:1fr 300px;gap:25px}.hub-hero h1{font-size:34px}.hero-actions{flex-direction:column;align-items:flex-start;gap:14px}.tool-grid{grid-template-columns:repeat(2,1fr)}.tool-toolbar{align-items:flex-start;flex-direction:column}.tool-search{width:100%}.tool-search input{flex:1}.editorial h3{font-size:22px}.hub-intro p{display:none}.hub-intro>a{margin-left:auto}}@media(max-width:600px){.hub-hero{display:block;padding:40px 0 30px}.hub-hero h1{font-size:36px}.hero-actions{flex-direction:row;gap:18px;flex-wrap:wrap}.hero-actions .primary{font-size:12px}.hero-actions .secondary{font-size:11px}.receipt{margin:40px 6px 12px;transform:rotate(1deg)}.receipt dl>div{font-size:12px}.receipt-caption{font-size:11px}.hub-section{padding-top:38px}.tool-grid{gap:12px}.tool-card{padding:17px;min-height:246px}.card-top{align-items:flex-start;gap:6px;flex-direction:column;margin-bottom:16px}.tool-card h3{font-size:16px}.tool-card p{font-size:11px}.card-bottom{font-size:9px}.filters{gap:6px}.filters button{padding:9px 12px;font-size:11px}.editorial-grid{grid-template-columns:1fr}.hub-intro{font-size:11px}.hub-intro>a{font-size:10px}.page-hero h1{font-size:34px}.margin-main strong{font-size:37px}.margin-pair strong{font-size:22px}.reading{font-size:14px;margin-top:32px}.reading h1{font-size:29px}.reading .lede{font-size:15px}.reading h2{font-size:21px}.example-box{padding:18px}.example-list>div{display:block}.example-list dd{text-align:left}.reading .primary{font-size:12px}.editorial{padding:24px}.page-hero{padding-top:27px}}@media(max-width:370px){.hub-hero h1{font-size:31px}.tool-grid{grid-template-columns:1fr}.tool-card{min-height:205px}.card-top{flex-direction:row;align-items:center}.margin-main strong{font-size:32px}.margin-pair{grid-template-columns:1fr}.hub-intro{flex-wrap:wrap}.hub-intro>a{margin-left:0}.receipt{padding:21px}.receipt dl>div{font-size:10px}}

.tool-panel-title{font-size:19px;font-weight:700;display:block}.tool-reading{max-width:840px}.margin-results>.cost-row,.margin-results .cost-row{align-items:flex-start}.margin-results .cost-row strong{max-width:60%;font-size:18px}.utility-fields{margin-top:25px}.upload-box{border:2px dashed #b7c9a8;background:#f0f5e9;border-radius:10px;display:flex;flex-direction:column;gap:12px;padding:25px}.upload-box span{font-size:11px;color:var(--muted)}.upload-box input{max-width:100%;font-size:12px}.image-preview{display:block;max-width:100%;max-height:400px;object-fit:contain;margin:20px auto;background:repeating-conic-gradient(#f1f1f1 0 25%,#fff 0 50%) 0/20px 20px}.utility-stats>div{display:flex;justify-content:space-between;gap:15px;font-size:13px}.utility-stats dd{margin:0;font-weight:700}textarea{display:block;width:100%;resize:vertical;min-height:300px;max-height:850px;border:1px solid #cdd8c5;border-radius:8px;padding:16px;font:inherit;font-size:14px;line-height:1.8;color:var(--ink);background:#fbfcf8;margin-top:18px}textarea:focus-visible{outline:3px solid #b56624;outline-offset:3px}.utility-actions{display:flex;gap:14px;flex-wrap:wrap}.secondary-button{background:#e5edd8;color:var(--ink);border:1px solid #cedac2;border-radius:8px;padding:12px 20px;font-size:13px;min-height:48px}button:disabled{opacity:.5;cursor:not-allowed}.template-download{display:grid;grid-template-columns:1fr 1fr;gap:35px;background:#e5edd8;border:1px solid #cfdbc2;border-radius:12px;padding:38px}.template-download h2{font-size:28px;margin:14px 0}.template-download p{font-size:14px;margin:14px 0 25px;line-height:1.9}.template-download small{display:block;font-size:11px;margin-top:14px;color:var(--muted)}.template-preview{display:grid;grid-template-columns:1fr 2fr;align-content:center;border-radius:8px;background:#fff;padding:20px;gap:0}.template-preview span{font-size:12px;padding:20px 8px;border-bottom:1px solid #dde5d6}.template-preview span:nth-child(odd){font-weight:700}.mini-guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.mini-guide{display:flex;flex-direction:column;gap:12px;border:1px solid var(--line);border-radius:8px;padding:22px;background:#fff}.mini-guide span{font-size:10px;letter-spacing:1px;color:var(--muted)}.mini-guide strong{font-size:16px}.mini-guide small{font-size:11px;color:var(--muted)}.mini-guide:hover strong{text-decoration:underline;text-underline-offset:4px}@media(max-width:800px){.template-download{grid-template-columns:1fr}.mini-guide-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:600px){.template-download{padding:23px}.template-download h2{font-size:23px}.template-preview{padding:12px}.template-preview span{font-size:11px;padding:15px 5px}.mini-guide-grid{grid-template-columns:1fr}.margin-results .cost-row strong{font-size:16px}.upload-box{padding:18px}.tool-reading h2{font-size:21px}}
.calculator-grid > *{min-width:0}.upload-box input{width:100%;min-width:0}


:root{--muted:#56665b}body{font-size:16px}a,button,input,select,summary{touch-action:manipulation}a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid #a95619;outline-offset:4px}a.tool-card:focus-visible{outline-offset:3px}[hidden]{display:none!important}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.site-header{height:auto}.header-inner{min-height:78px}.header-inner nav a{font-size:14px}.beta{display:none}.home-intro{padding:42px 0 30px}.home-kicker{font-size:14px;font-weight:700;color:#52745a;margin-bottom:12px}.home-intro h1{font-size:38px;line-height:1.35;letter-spacing:-1.7px;margin:0 0 14px}.home-intro h1 em{font-style:normal;color:#497338}.home-intro>p:not(.home-kicker){font-size:16px;color:var(--muted)}.mobile-break{display:none}.trust{font-size:13px;gap:18px;margin-top:18px}.home-tools{padding-top:15px}.section-heading h2{font-size:23px;letter-spacing:-.6px}.tool-toolbar{margin:20px 0 8px;gap:16px}.filters button{font-size:14px;padding:10px 17px;border-radius:24px;background:#fff}.tool-search input{width:245px;font-size:15px;border-radius:10px;min-height:46px}.count-note{font-size:12px;margin-bottom:14px}.tool-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}
a.tool-card.available{position:relative;display:grid;grid-template-columns:44px minmax(0,1fr) 16px;align-items:center;gap:15px;min-height:126px;padding:23px 20px;color:var(--ink);border:1px solid #d8e1d2;border-radius:14px;text-decoration:none;transition:background .15s,border-color .15s,box-shadow .15s,transform .15s;cursor:pointer}a.tool-card.available:hover{background:#f5faee;border-color:#71915f;box-shadow:0 5px 16px #173f3510;transform:translateY(-2px)}.card-icon{width:44px;height:44px;display:flex;align-items:center;justify-content:center;background:#edf4e2;border-radius:12px;color:#416536}.card-icon svg{width:26px;height:26px}.tool-card[data-category=cs] .card-icon{background:#e9f1f7;color:#315c74}.tool-card[data-category=work] .card-icon{background:#f9efdf;color:#865a28}.tool-card h3{font-size:18px;line-height:1.4;margin:0;letter-spacing:-.5px}.tool-card p{font-size:13px;line-height:1.65;margin:7px 0 0;color:#53645a;word-break:keep-all;overflow-wrap:anywhere}.card-arrow{font-size:20px;color:#6c8265;align-self:start}.home-guides{margin:48px 0 0}.quick-guides{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:18px}.quick-guides a{display:flex;justify-content:space-between;align-items:center;gap:20px;padding:24px;background:#eaf0e3;border-radius:12px;min-width:0}.quick-guides a:hover{background:#dfe9d4}.quick-guides small{display:block;font-size:12px;color:#53684b;margin-bottom:8px}.quick-guides strong{font-size:16px;line-height:1.7}.home-service{display:flex;justify-content:space-between;align-items:center;gap:24px;padding:28px 0 35px}.home-service small{font-size:12px;color:#5f7056}.home-service h2{font-size:22px;margin:8px 0}.home-service p{font-size:14px;color:var(--muted)}.home-service .secondary-button{white-space:nowrap}.ad-slot{min-height:64px;padding:18px;margin:36px 0;color:#687465;font-size:12px}.ad-slot p{font-size:12px;margin:4px}.ad-slot small{display:none}
.page-hero{padding:28px 0 28px}.page-hero h1{font-size:34px;line-height:1.4;letter-spacing:-1.2px}.page-hero .hero-description{font-size:16px;max-width:720px;line-height:1.7;margin-top:12px}.breadcrumb{font-size:13px;margin-top:20px}.panel{padding:26px}.panel-intro{font-size:14px;line-height:1.7}.field label{font-size:14px;line-height:1.6}.field small{font-size:12px;line-height:1.65;color:#59695d}.field .error{font-size:12px}.field-grid{gap:20px 18px}.input-unit input{font-size:20px;min-height:50px}.input-unit>span{font-size:14px}select{font-size:15px;min-height:50px}.text-button{font-size:13px;min-height:44px}.privacy-line{font-size:12px;line-height:1.7}.primary,.secondary-button{font-size:15px;min-height:48px}.results{padding:28px;align-self:start}.results .result-state{font-size:13px;line-height:1.7}.margin-main>span,.metric>span{font-size:14px}.margin-main small,.margin-pair small,.metric small{font-size:12px;line-height:1.65}.cost-row{font-size:14px;line-height:1.6;gap:14px}.cost-row strong{font-size:17px}.cost-row small{font-size:12px}.capacity-notice,.comparison-note{font-size:13px;line-height:1.8}.margin-pair span{font-size:13px}.result-cta{font-size:14px}.assumptions summary{font-size:14px}.assumptions summary span{font-size:12px}.assumption-note{font-size:12px;line-height:1.8}
details[data-ux-fold]{max-width:none;margin:30px 0;padding:0;border:1px solid #d6e0cf;border-radius:12px;background:#fff;font-size:15px;line-height:1.85}details[data-ux-fold]>summary{padding:20px 24px;font-size:17px;font-weight:700;cursor:pointer}details[data-ux-fold]>summary>span{font-weight:400;font-size:13px;color:#62715a;margin-left:18px;white-space:nowrap}.disclosure-body{padding:0 24px 24px}.disclosure-body>.eyebrow,.disclosure-body>.section-heading{display:none}.disclosure-body h2{font-size:21px;margin:24px 0 10px}.disclosure-body p{font-size:15px;line-height:1.9}.disclosure-body .guide-grid{gap:24px}.disclosure-body .guide-grid p{font-size:14px}.result-details{margin-top:20px;border-top:1px solid #54705d}.result-details>summary{padding:17px 0;font-size:14px;font-weight:700;color:#e2eddb;cursor:pointer}.result-details .cost-title{display:none}.result-details .cost-row{padding:10px 0}.result-details+.capacity-notice{margin-top:18px}.consult{padding:28px;margin-top:32px;gap:24px}.consult h2{font-size:25px}.consult p{font-size:14px;line-height:1.8}.consult .eyebrow{font-size:12px}.related{font-size:14px;margin:26px 0}.reading{font-size:16px;line-height:1.95}.reading .article-meta{font-size:13px}.footer{font-size:13px}.footer p{font-size:13px;max-width:450px}.footer a{font-size:13px}.footer .brand{font-size:19px}
@media(min-width:1100px){.calculator-grid{gap:28px}.results.margin-results{position:sticky;top:24px}}@media(max-width:1050px){.tool-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}@media(max-width:700px){.header-inner{min-height:68px}.home-intro{padding:30px 0 26px}.home-intro h1{font-size:30px;letter-spacing:-1px}.home-intro>p:not(.home-kicker){font-size:15px;max-width:310px}.mobile-break{display:initial}.trust{font-size:12px;gap:10px;flex-wrap:wrap}.section-heading h2{font-size:21px}.tool-toolbar{flex-direction:column;align-items:stretch;margin-top:16px}.filters{gap:7px}.filters button{font-size:13px;padding:9px 13px;min-height:42px}.tool-search input{width:100%;min-width:0}.tool-search{width:100%}.tool-grid{grid-template-columns:1fr;gap:10px}a.tool-card.available{min-height:99px;padding:19px 17px;gap:14px}.tool-card h3{font-size:18px}.tool-card p{font-size:14px;margin-top:4px}.quick-guides{grid-template-columns:1fr;gap:10px}.quick-guides a{padding:20px}.home-guides{margin-top:34px}.home-service{flex-direction:column;align-items:flex-start;padding:0 0 28px;gap:16px}.home-service h2{font-size:21px}.page-hero h1{font-size:28px}.page-hero .hero-description{font-size:15px}.page-hero{padding:22px 0 26px}.panel,.results{padding:22px}.panel-title{gap:10px;flex-wrap:wrap}.field-grid{gap:18px 14px}.field label{font-size:14px}.input-unit input{font-size:19px}.field small{font-size:12px}.cost-row strong{font-size:16px}.margin-main strong{font-size:36px}.margin-pair strong{font-size:23px}.ad-slot{margin:26px 0;min-height:55px}.disclosure-body{padding:0 20px 20px}details[data-ux-fold]>summary{padding:19px 20px;font-size:16px}details[data-ux-fold]>summary>span{display:block;margin-left:17px;margin-top:4px}.consult{padding:23px}.consult h2{font-size:23px}.consult p{font-size:14px}.reading{font-size:15px}.footer{gap:16px}.header-inner nav a{font-size:13px}}
@media(max-width:370px){.home-intro h1{font-size:27px}.filters{gap:5px}.filters button{padding:9px 10px;font-size:12px}a.tool-card.available{grid-template-columns:38px minmax(0,1fr) 14px;gap:12px;padding:18px 14px}.card-icon{width:38px;height:38px}.tool-card p{font-size:13px}.tool-card h3{font-size:17px}.field-grid{grid-template-columns:1fr}.field.full{grid-column:auto}.results,.panel{padding:20px}.page-hero h1{font-size:25px}}
@media(prefers-reduced-motion:reduce){a.tool-card.available{transition:none}a.tool-card.available:hover{transform:none}}
.field small:empty{display:none}

.easy-header{position:sticky;top:0;z-index:50;background:#f6f7f2;box-shadow:0 2px 10px #193b3308}.easy-header-inner{position:relative;display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:76px}.easy-header .brand{font-size:20px}.easy-actions{display:flex;gap:10px;align-items:center}.easy-actions>a,.all-menu>summary{display:flex;align-items:center;justify-content:center;gap:8px;min-height:44px;padding:10px 15px;border-radius:9px;font-size:14px;white-space:nowrap}.easy-actions .list-return{background:#e7efdf;color:#284b23}.easy-actions>a:hover{background:#dce8d2}.all-menu>summary{list-style:none;background:#193b33;color:#fff;font-weight:700;cursor:pointer}.all-menu>summary::-webkit-details-marker{display:none}.all-menu[open] .menu-chevron{transform:rotate(180deg)}.menu-panel{position:absolute;top:calc(100% + 8px);right:32px;width:min(650px,calc(100% - 64px));padding:24px;background:#fff;border:1px solid #ccd8c5;border-radius:14px;box-shadow:0 12px 36px #193b3326;max-height:calc(100dvh - 100px);overflow-y:auto;overscroll-behavior:contain}.menu-heading{display:flex;align-items:center;justify-content:space-between;gap:12px;padding-bottom:18px;border-bottom:1px solid #e6ebdf}.menu-heading strong{font-size:17px}.menu-heading>a{font-size:13px;min-height:44px;display:flex;align-items:center}.menu-groups{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:20px;align-items:start;margin-top:20px}.menu-groups h2{font-size:12px;color:#63715d;margin:0 0 8px}.menu-groups section>div{display:grid;gap:3px}.menu-groups a,.menu-footer a{display:flex;align-items:center;justify-content:space-between;gap:5px;min-height:44px;padding:10px 8px;font-size:14px;border-radius:7px;white-space:normal}.menu-groups a:hover,.menu-footer a:hover{background:#edf3e5}.menu-panel [aria-current=page]{background:#e5efd9;color:#284b23;font-weight:800}.current-mark{font-size:10px;white-space:nowrap;color:#567343}.menu-footer{display:flex;gap:16px;margin-top:18px;padding-top:10px;border-top:1px solid #e6ebdf}.menu-footer a{font-size:13px}.easy-header a:focus-visible,.easy-header summary:focus-visible{outline-offset:2px}html{scroll-padding-top:130px}main [id]{scroll-margin-top:20px}@media(min-width:1100px){.results.margin-results{top:96px}}
@media(max-width:700px){.easy-header-inner{flex-wrap:wrap;gap:8px;padding-top:10px;padding-bottom:10px}.easy-header .brand{font-size:17px;gap:7px}.easy-header .brand-icon{width:26px;height:26px;font-size:24px;line-height:24px;border-radius:7px}.easy-actions{width:100%;gap:6px;justify-content:space-between}.easy-actions>a,.all-menu>summary{font-size:13px;padding:9px 11px;min-height:44px}.easy-actions .list-return{flex:1}.easy-actions .guide-shortcut{flex:1}.all-menu{flex:1}.menu-panel{left:16px;right:16px;width:auto;padding:17px;top:calc(100% + 4px);max-height:calc(100dvh - 130px)}.menu-heading{padding-bottom:9px}.menu-heading strong{font-size:15px}.menu-groups{grid-template-columns:1fr;gap:16px;margin-top:15px}.menu-groups section>div{grid-template-columns:1fr 1fr;gap:3px 8px}.menu-groups a{font-size:13px;padding:9px 7px}.menu-footer{margin-top:12px}.menu-heading>a{font-size:12px}}
.easy-header .easy-actions>a{display:flex}
@media(max-width:370px){.easy-actions{gap:4px}.easy-actions>a,.all-menu>summary{font-size:12px;padding:9px 7px;gap:4px}.menu-heading{align-items:flex-start}.menu-heading strong{font-size:14px}.menu-heading>a{white-space:nowrap}}

.article-toc{background:#edf3e6;padding:22px;border-radius:12px;margin:24px 0}.article-toc strong{font-size:15px;display:block;margin-bottom:10px}.article-toc a{display:block;text-decoration:underline;text-underline-offset:3px;font-size:14px;padding:7px 0}.reading section{scroll-margin-top:24px}.guide-directory{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;margin-bottom:48px}.guide-entry{display:block;border:1px solid #d4dfcc;background:#fff;padding:27px;border-radius:14px}.guide-entry:hover{border-color:#6f905b;background:#f6faef}.guide-entry small{font-size:12px;color:#527046}.guide-entry h2{font-size:23px;line-height:1.5;margin:12px 0;letter-spacing:-.6px}.guide-entry p{font-size:15px;color:#56665b;line-height:1.8}.guide-entry>span{font-size:14px;font-weight:700;display:block;margin-top:18px}.home-guides .section-heading{gap:16px;flex-wrap:wrap}.home-guides .section-heading>a{margin-left:auto}@media(max-width:700px){.guide-directory{grid-template-columns:1fr;gap:12px}.guide-entry{padding:23px}.guide-entry h2{font-size:21px}.home-guides .section-heading>a{margin-left:0}.article-toc{padding:18px}.reading h1{overflow-wrap:anywhere}}

nav.article-toc{display:block}nav.article-toc>a{display:block}nav.related,nav.further-reading{display:flex;flex-wrap:wrap;align-items:flex-start;gap:12px 24px}nav.related>a,nav.further-reading>a{display:block;min-height:44px;text-decoration:underline;text-underline-offset:4px}.table-scroll{max-width:100%;overflow-x:auto;margin:24px 0;border:1px solid #d8e1d2;border-radius:12px;background:white}.example-table{width:100%;border-collapse:collapse;font-size:14px;white-space:nowrap}.example-table caption{padding:16px;text-align:left;white-space:normal;font-weight:700}.example-table th,.example-table td{text-align:left;padding:12px 16px;border-top:1px solid #e3e9dd}.example-table thead{background:#edf3e6}.example-table tbody th{font-weight:500}.reading .article-meta a{text-decoration:underline}.reading .further-reading{margin:24px 0}html .reading section{scroll-margin-top:130px}