:root{--ink:#183b38;--muted:#526864;--paper:#f6f3eb;--line:#cdd4c9;--orange:#b34e32;--sage:#e2e8d7;--white:#fffdf7;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:var(--paper);font-synthesis:none}*{box-sizing:border-box}body{margin:0;line-height:1.65}a{color:inherit;text-underline-offset:5px}img{display:block;max-width:100%;height:auto}button,input{font:inherit}button{cursor:pointer}a:focus-visible,button:focus-visible,input:focus-visible,summary:focus-visible{outline:3px solid var(--orange);outline-offset:4px}.wrap{max-width:1320px;margin-inline:auto;padding-inline:44px}.skip{position:absolute;top:-90px}.skip:focus{top:10px;z-index:9;padding:10px;background:white}.edition{background:var(--ink);color:#f4f1df;font:10px/1.5 monospace;letter-spacing:2px;text-transform:uppercase;padding:9px 0}.edition .wrap{display:flex;justify-content:space-between;gap:15px}header{border-bottom:1px solid var(--line)}header .wrap{display:flex;align-items:center;justify-content:space-between;min-height:94px;gap:20px}.brand{display:flex;align-items:center;gap:12px;text-decoration:none;font:30px Georgia,serif;letter-spacing:-1px}.brand-mark{display:grid;place-items:center;background:var(--ink);color:var(--paper);width:37px;height:42px;font:24px Georgia,serif}nav{display:flex;gap:25px;flex-wrap:wrap}nav a{display:inline-flex;align-items:center;min-height:44px;font-size:13px;text-decoration:none;font-weight:700}.hero{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center;padding-block:64px 60px}.eyebrow{font:11px/1.6 monospace;letter-spacing:2px;text-transform:uppercase;color:var(--orange)}h1,h2,h3{font-family:Georgia,serif;font-weight:400;line-height:1.12}h1{font-size:clamp(44px,5.7vw,80px);letter-spacing:-2.5px;margin:20px 0 25px}h1 em{color:var(--orange)}.hero p{font-size:17px;max-width:43ch;color:var(--muted)}.button{display:inline-flex;align-items:center;justify-content:center;min-height:48px;background:var(--ink);color:white;padding:12px 23px;font-size:13px;font-weight:700;text-decoration:none;border:1px solid var(--ink)}.button:hover{background:#2b554e}.hero .button{margin-top:14px}.hero-photo{position:relative;margin:0;padding:0 0 30px 24px}.hero-photo>img{width:100%;aspect-ratio:4/5;object-fit:cover}.photo-note{position:absolute;bottom:4px;left:0;background:var(--sage);padding:24px 28px;min-width:225px;box-shadow:6px 6px 0 #183b3815}.photo-note span{display:block;font:10px monospace;letter-spacing:2px}.photo-note strong{font:34px Georgia,serif;display:block;margin:7px 0}.photo-note small{font-size:11px;color:var(--muted)}.hero-photo figcaption{font-size:10px;text-align:right;color:var(--muted);padding-top:8px}.principles{display:flex;justify-content:space-between;gap:18px;padding:18px 24px;border-block:1px solid var(--line);font-size:12px}.principles span:before{content:'+';margin-right:10px;color:var(--orange);font-weight:bold}.section-head{display:flex;justify-content:space-between;gap:40px;align-items:end;margin-block:68px 28px}h2{font-size:clamp(32px,3vw,44px);letter-spacing:-1px;margin:10px 0}.section-head>p{max-width:43ch;font-size:13px;color:var(--muted)}.calculator{display:grid;grid-template-columns:250px minmax(0,1fr);border:1px solid var(--line);background:var(--white)}.tool-nav{background:var(--sage);padding:24px;display:flex;flex-direction:column;gap:10px}.tool-nav button{text-align:left;background:transparent;color:var(--ink);border:1px solid transparent;display:flex;gap:14px;padding:17px 12px;font-size:13px;line-height:1.5}.tool-nav button span{font:12px monospace;color:var(--orange)}.tool-nav button[aria-selected=true]{background:var(--white);border-color:#b9c4b0}.tool-nav p{font-size:11px;color:var(--muted);margin-top:auto;padding-top:30px}.tool-panel{padding:35px 40px;min-width:0}.tool-panel h3{font-size:30px;margin:5px 0 12px}.tool-panel>p{font-size:13px;color:var(--muted);max-width:72ch}.fields{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin:25px 0}.field label{font-size:12px;font-weight:700;display:block;margin-bottom:7px}.field input{width:100%;min-height:48px;padding:10px 13px;color:var(--ink);border:1px solid #93a49a;background:#fff}.field small{display:block;font-size:10px;color:var(--muted);margin-top:5px}.result{margin-top:25px;border-top:1px solid var(--line);padding-top:20px;min-height:76px}.result .totals{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:15px}.result dl{margin:0;background:var(--sage);padding:18px}.result dt{font-size:11px}.result dd{margin:6px 0 0;font:28px Georgia,serif;overflow-wrap:anywhere}.formula{font:11px/1.8 monospace;color:var(--muted)}[hidden]{display:none!important}.editorial-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:26px}.editorial-grid article{border-bottom:1px solid var(--line);padding-bottom:25px;min-width:0}.editorial-grid img{width:100%;aspect-ratio:4/3;object-fit:cover;margin-bottom:20px}.editorial-grid h3{font-size:29px;letter-spacing:-.5px;margin:12px 0}.editorial-grid p{font-size:13px;color:var(--muted)}.source-section{display:grid;grid-template-columns:1fr 1fr;gap:75px;margin-block:75px;padding:40px;background:var(--sage)}.source-section h2{font-size:38px}.source-section p{font-size:13px;color:var(--muted)}.official-links a{display:block;padding:18px 0;border-bottom:1px solid #b9c4b0;font-size:15px;text-decoration:none}.official-links small{display:block;font:10px monospace;color:var(--muted);margin-top:6px}.faq{max-width:850px;margin-block:70px}.faq details{border-bottom:1px solid var(--line);padding:19px 0}.faq summary{cursor:pointer;font-size:15px;font-weight:700;min-height:30px}.faq p{font-size:14px;color:var(--muted)}footer{background:var(--ink);color:var(--paper);padding:45px 0;margin-top:70px}footer .wrap{display:grid;grid-template-columns:1fr 1fr;gap:40px}footer strong{font:30px Georgia,serif}footer p{font-size:12px;max-width:45ch;color:#dce3d9}footer nav{align-content:start;gap:5px 24px}footer nav a{font-size:12px}.legal{max-width:850px;margin-block:50px 90px}.legal h1{font-size:54px}.legal h2{font-size:28px}.legal p{color:var(--muted)}.back{font-size:12px;display:inline-block;margin-top:30px}
@media(max-width:1000px){.hero{gap:35px}.calculator{grid-template-columns:210px 1fr}.tool-nav{padding:16px}.tool-panel{padding:28px}.source-section{gap:35px}.hero-photo{padding-left:10px}}
@media(max-width:760px){.wrap{padding-inline:22px}header .wrap{flex-direction:column;align-items:start;padding-block:20px;gap:12px;min-height:0}.brand{font-size:28px}nav{gap:10px 22px}.hero{grid-template-columns:1fr;gap:30px;padding-block:35px}.hero h1{font-size:clamp(45px,9vw,65px)}.hero-photo{max-width:550px;width:100%;margin-inline:auto}.hero-photo>img{aspect-ratio:5/4}.photo-note{padding:15px 20px;min-width:190px}.photo-note strong{font-size:29px}.principles{flex-wrap:wrap;padding:17px 0;font-size:11px}.section-head{display:block;margin-top:48px}.calculator{grid-template-columns:1fr}.tool-nav{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:6px;padding:12px}.tool-nav button{display:block;text-align:center;font-size:11px;padding:12px 5px}.tool-nav button span{display:block;margin-bottom:5px}.tool-nav p{grid-column:1/-1;padding:0;margin:7px;font-size:10px}.tool-panel{padding:23px}.tool-panel h3{font-size:28px}.editorial-grid{grid-template-columns:1fr;gap:30px}.editorial-grid img{aspect-ratio:16/10}.source-section{grid-template-columns:1fr;gap:15px;padding:25px;margin-block:50px}.source-section h2{font-size:33px}.edition .wrap span:last-child{display:none}footer .wrap{grid-template-columns:1fr;gap:25px}.legal h1{font-size:40px}}
@media(max-width:420px){.hero h1{font-size:47px;letter-spacing:-1.7px}.hero p{font-size:16px}.fields{grid-template-columns:1fr;gap:17px}.result .totals{grid-template-columns:1fr}.tool-panel{padding:20px}.tool-nav{padding:9px}.hero-photo{padding-left:8px}.photo-note{min-width:176px}.photo-note small{font-size:10px}nav a{font-size:12px}.result dd{font-size:29px}.section-head h2{font-size:35px}}

/* Keep the image disclosure below the overlapping editorial note. */
.hero-photo{padding-block-end:0}.photo-note{position:relative;inset:auto;margin-block-start:-70px;margin-inline:-24px 24px;min-inline-size:0;max-inline-size:100%}.hero-photo figcaption{padding-block-start:14px}
@media(max-width:760px){.photo-note{margin-inline:-8px 16px;margin-block-start:-65px}}

/* Image-led planning workspace 2026-11-02 */
.hero>div,.planning-gallery{min-inline-size:0}.planning-details{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;margin-block-start:22px}.planning-details>a{display:block;text-decoration:none;background:var(--white)}.planning-details img{inline-size:100%;block-size:auto;aspect-ratio:16/10;object-fit:cover}.planning-details>a>span{display:flex;justify-content:space-between;gap:10px;padding:12px 14px;border-block-end:1px solid var(--line);font-size:12px;font-weight:700}.planning-details a:hover>span{text-decoration:underline}.photo-tool-shortcut{display:block;overflow:hidden}.photo-tool-shortcut img{transition:transform .2s}.photo-tool-shortcut:hover img{transform:scale(1.02)}.field{min-inline-size:0}.source-section>*{min-inline-size:0}.official-links a{overflow-wrap:anywhere}
@media(max-width:760px){.planning-gallery{order:-1}.hero{padding-block-start:24px}.hero-photo{max-inline-size:none;padding:0}.hero-photo>img{aspect-ratio:16/10;max-block-size:290px}.photo-note{margin-inline:12px;margin-block-start:-42px;max-inline-size:calc(100% - 24px);padding:14px 18px}.photo-note strong{font-size:26px}.photo-note span{font-size:9px}.hero-photo figcaption{padding-block-start:12px}.planning-details{margin-block-start:16px;gap:12px}.planning-details img{aspect-ratio:1.8}.planning-details>a>span{font-size:11px;padding:11px}.hero h1{font-size:clamp(42px,10vw,60px);letter-spacing:-1.7px}.tool-nav{scroll-margin-block-start:20px}.hero .button{inline-size:100%}}
@media(prefers-reduced-motion:reduce){.photo-tool-shortcut img{transition:none}}