/* Atlas / editorial edition. Local fonts; no third-party assets or requests. */
@font-face{font-family:Atlas Serif;src:url('/assets/fonts/literata-regular.woff2') format('woff2');font-weight:400;font-display:swap}
@font-face{font-family:Atlas Serif;src:url('/assets/fonts/literata-italic.woff2') format('woff2');font-weight:600;font-style:italic;font-display:swap}
:root{--ink:#182c3b;--muted:#59636b;--green:#253f52;--green2:#a33d2e;--mint:#f0ece4;--cream:#f7f4ed;--line:#d6d3cb;--orange:#a33d2e;--shadow:none}
body{background:var(--cream);font-family:system-ui,-apple-system,'Segoe UI',sans-serif;color:var(--ink)}
::selection{background:#ead3bc;color:#182c3b}a:focus-visible,button:focus-visible,select:focus-visible,input:focus-visible{outline:3px solid #ad4838;outline-offset:5px}
[hidden]{display:none!important}.site-header{height:106px;background:var(--cream);backdrop-filter:none;border-bottom:1px solid var(--ink)}
.nav-shell{max-width:1320px;padding:0 40px;gap:35px}.brand{display:block;flex-shrink:0}.wordmark{display:flex;gap:9px;align-items:baseline;direction:ltr;color:inherit;white-space:nowrap}
.brand>.wordmark:last-child{display:flex}
.hero-assumptions{font-size:10px;color:var(--muted);border-top:1px solid var(--line);padding-top:12px;line-height:1.8;grid-column:1/-1;margin:12px 0 0}
.wordmark small{font-size:10px;font-weight:700;line-height:1.2;letter-spacing:.12em;text-transform:uppercase;max-width:46px;white-space:normal}.wordmark em{font-family:Atlas Serif,Georgia,serif;font-weight:600;font-style:italic;font-size:47px;line-height:1;letter-spacing:-.075em;position:relative;padding-inline-end:6px}.wordmark em:after{content:'';display:block;position:absolute;bottom:-8px;left:5px;width:85%;height:5px;border-bottom:2px solid #a33d2e;border-radius:50%;transform:rotate(-7deg)}
.nav-shell nav{gap:28px}.nav-shell nav a{font-size:13px;color:var(--ink);font-weight:500}.nav-shell nav a:hover{color:#a33d2e;text-decoration:underline;text-underline-offset:6px}.locale-select select{background:transparent;border:0;border-inline-start:1px solid var(--line);border-radius:0;font-size:12px;max-width:210px}.nav-toggle{color:var(--ink)}
.hero{max-width:1320px;margin:auto;background:none;min-height:0;padding:78px 40px 64px;grid-template-columns:minmax(0,1.6fr) minmax(0,1fr);gap:80px;overflow:visible;align-items:start}.hero:after{display:none}.eyebrow{font:600 10px/1.6 system-ui,sans-serif;letter-spacing:.14em;color:#a33d2e}.hero h1,.section-title h2,.tool-title h1,.article-page h1,.article-page h2,.explain-grid h2,.guide-grid h3{font-family:Atlas Serif,Georgia,serif;font-weight:400;letter-spacing:-.04em;line-height:1.13}.hero h1{font-size:clamp(44px,4.6vw,68px);margin:22px 0 24px;max-width:710px}.hero-copy>p{font-size:16px;line-height:1.8;max-width:570px}.search-box{border:0;border-bottom:2px solid var(--ink);border-radius:0;background:transparent;box-shadow:none;margin:30px 0 18px;padding:0;height:55px}.search-box input{background:transparent;font-size:14px}.search-box kbd{border-radius:0;background:transparent}.trust-row{gap:18px;font-size:11px}.hero-card{background:none;color:var(--ink);border-radius:0;box-shadow:none;transform:none;padding:28px 0 12px;border-top:4px double var(--ink);border-bottom:1px solid var(--ink);margin-top:12px}.hero-card:before{display:none}.mini-head{margin-bottom:38px;gap:10px}.mini-head span{font-family:Atlas Serif,Georgia,serif;font-size:19px;font-weight:400}.mini-head i{background:none;color:var(--muted);padding:4px 0;border-radius:0;font-size:9px}.hero-card>small{opacity:1;color:var(--muted);font-size:12px}.hero-card>strong{font-family:Atlas Serif,Georgia,serif;font-size:47px;font-weight:400;font-variant-numeric:tabular-nums;letter-spacing:-.05em}.growth-chart{height:116px;border-bottom:1px solid var(--ink);gap:12px;padding:0;margin:20px 0}.growth-chart i{border-radius:0;background:#7e9096}.growth-chart i:nth-child(7){background:#a33d2e}.mini-stats{border:0;padding-top:0;padding-bottom:8px;gap:12px;font-size:14px}.mini-stats small{font-size:11px;color:var(--muted);opacity:1;margin-bottom:7px}.mini-stats b{color:#a33d2e}
.proof{max-width:1240px;padding:24px 0;border-top:1px solid var(--line);font-size:11px;gap:30px}.proof>span{color:#a33d2e;font-size:9px}.proof b{font-weight:600}.directory{max-width:1320px;padding:75px 40px 90px}.section-title{display:block}.section-title h2{font-size:42px;margin:10px 0 15px}.section-title p{font-size:14px}.category-tabs{gap:0;margin:32px 0 0;border-block:1px solid var(--ink)}.category-tabs button{border:none;border-inline-end:1px solid var(--line);border-radius:0;padding:17px 20px;background:transparent;font-size:12px;font-weight:500}.category-tabs button.active,.category-tabs button:hover{background:var(--ink);color:#fff}.tool-grid{gap:0 50px;counter-reset:tool}.tool-card{counter-increment:tool;border:0;border-bottom:1px solid var(--line);border-radius:0;padding:23px 0;grid-template-columns:32px minmax(0,1fr) 18px;gap:16px;background:transparent;transition:background .15s}.tool-card:hover{transform:none;box-shadow:none;background:#eee9df;border-color:var(--ink)}.tool-card>.tool-icon{font-size:0;background:none;width:28px;height:28px;border-radius:0;color:var(--muted)}.tool-card>.tool-icon:after{content:counter(tool,decimal-leading-zero);font-family:Georgia,serif;font-size:15px;font-style:italic}.tool-card small{font-size:9px;color:#a33d2e;letter-spacing:.09em}.tool-card strong{font-family:Atlas Serif,Georgia,serif;font-size:19px;font-weight:400;margin:6px 0}.tool-card p{font-size:12px;line-height:1.6}.tool-card>b{font-size:19px;color:#a33d2e}
.guides{background:#eae6dc;border-top:1px solid var(--line);padding:65px max(40px,calc((100% - 1240px)/2)) 80px}.guide-grid{gap:0 30px;counter-reset:guide}.guide-grid a{counter-increment:guide;border:0;border-top:1px solid var(--ink);border-radius:0;background:transparent;padding:22px 0 30px;min-height:250px;margin-top:24px}.guide-grid span{font-size:9px;color:#a33d2e}.guide-grid span:before{content:counter(guide,decimal-leading-zero) ' / ';font-variant-numeric:tabular-nums}.guide-grid h3{font-size:25px;line-height:1.25;margin:16px 0}.guide-grid p{font-size:13px;line-height:1.7}.guide-grid b{font-size:11px;padding-top:22px;color:#a33d2e}.guide-grid a:hover h3{text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:5px}
.tool-shell{max-width:1280px;padding:35px 40px 80px}.breadcrumbs{font-size:11px;margin-bottom:44px}.tool-title{gap:24px;margin-bottom:40px}.tool-icon.large{background:transparent;border:1px solid var(--line);border-radius:0;color:#a33d2e;width:58px;height:58px}.tool-title h1{font-size:44px}.tool-title p{font-size:14px;line-height:1.7}.calculator-layout{border:1px solid var(--ink);border-radius:0;box-shadow:none;grid-template-columns:1.1fr 1fr}.calculator-card{padding:38px;background:#fffdf8}.field select,.field textarea,.input-wrap{border-radius:0;background:#fffefb;border-color:#acaeaa}.field>span{font-size:12px;line-height:1.5}.input-wrap input{background:transparent;min-height:48px}.calculate{border-radius:0;background:var(--ink);padding:17px}.calculate:hover{background:#a33d2e}.result-card{background:var(--ink);padding:40px}.result-card>strong{font-family:Atlas Serif,Georgia,serif;font-weight:400;font-size:46px;letter-spacing:-.025em}.result-kicker{color:#ecc2a4}.result-stats div{padding:17px 0}.result-note{line-height:1.8;color:#d3dde4}.download{border-radius:0;background:none;font-size:12px;padding:14px}.result-error{border-radius:0}.data-strip{border-radius:0;margin:0;border-color:var(--ink);grid-template-columns:1fr 2fr;background:none}.data-strip>div:has(#data-year),.data-strip>div:has(#data-updated){display:none}.data-strip small{color:var(--muted)}.live-rate-banner{border-radius:0;background:#f5f0e6;border-color:var(--line)}.live-rate-banner span i{box-shadow:none}.live-rate-banner span.unavailable i{box-shadow:none}.explain-grid{gap:60px;padding-top:60px}.explain-grid h2{font-size:31px}.explain-grid p,.explain-grid li{line-height:1.85}.formula-box{border-radius:0;background:#eeeae1;border-color:#a33d2e;font-size:14px}.example-card,.notice{border-radius:0;background:#f3eee3;line-height:1.8}.related a{border:0;border-top:1px solid var(--ink);border-radius:0;padding:20px 0}.related a span{border-radius:0;background:none}.related a b{font-weight:500}.related>div{gap:24px}
.article-page{max-width:840px;padding:75px 40px 100px}.article-page h1{font-size:50px;margin:24px 0 32px}.article-page .lede{font-family:Atlas Serif,Georgia,serif;font-size:22px;line-height:1.65;border-bottom:1px solid var(--line);padding-bottom:30px}.article-page h2{font-size:29px;margin:38px 0 17px}.article-page p,.article-page li{font-size:15px;line-height:1.9;color:#3f4e59}.article-page a:not(.button){text-decoration:underline;text-underline-offset:4px}.article-page .button,.article-cta a{border-radius:0;font-size:13px}.article-cta{border-radius:0;background:#eae6dc;border-top:3px double var(--ink);padding:26px}.article-cta h2{margin:0}.article-page .sources{border-top:1px solid var(--line);margin-top:36px;padding-top:20px}.article-page .sources a{font-size:12px;overflow-wrap:anywhere}.article-page .formula-box{direction:ltr;text-align:left}.article-page .example-card{font-variant-numeric:tabular-nums}.article-page ul{padding-inline-start:24px}
footer{background:var(--ink);padding:55px max(40px,calc((100% - 1240px)/2)) 24px}.footer-main{grid-template-columns:2fr 1fr 1fr;gap:60px}.footer-main .brand{display:inline-block;margin-bottom:16px}.footer-main p,.footer-main nav a{color:#c4ced5}.footer-main nav b{font-size:11px;letter-spacing:.08em;color:#ecc2a4}.footer-bottom{color:#bcc9d2;font-size:10px}.footer-main a:hover{text-decoration:underline}
@media(min-width:1100px){.article-page{margin-inline-start:max(40px,calc((100% - 1100px)/2));border-inline-start:1px solid var(--line);padding-inline-start:65px}}
@media(max-width:1000px){.hero{gap:40px}.nav-shell{gap:22px}.nav-shell nav{gap:16px}.trust-row{flex-wrap:wrap}.proof{margin-inline:40px}.category-tabs button{padding:15px}.guide-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:850px){.site-header{height:90px}.nav-shell nav{top:90px;background:var(--cream);padding:24px 40px;gap:22px}.hero{grid-template-columns:1fr;padding-top:50px;gap:25px}.hero h1{max-width:650px;font-size:54px}.hero-card{max-width:none;display:grid;grid-template-columns:1fr 1fr;column-gap:35px}.hero-card .mini-head{grid-column:1/-1;margin-bottom:12px}.hero-card>strong{grid-column:1}.hero-card .growth-chart{grid-column:2;grid-row:2/5;height:100px;margin:0}.hero-card .mini-stats{grid-column:1/-1;margin-top:20px}.calculator-layout{grid-template-columns:1fr}.result-card{min-height:320px}.proof{grid-template-columns:repeat(3,1fr);gap:25px}.proof>span{grid-column:1/-1}.explain-grid{gap:30px}.footer-main{gap:30px}.wordmark em{font-size:40px}.locale-select select{max-width:190px}}
@media(max-width:560px){.site-header{height:82px}.nav-shell{padding:0 18px;gap:12px}.nav-shell nav{top:82px;padding:24px 18px}.nav-toggle{font-size:12px;padding:8px 0}.wordmark{gap:6px}.wordmark small{font-size:7px;max-width:34px}.wordmark em{font-size:34px}.locale-select select{font-size:11px;max-width:115px;padding-inline:5px}.hero{padding:38px 22px}.hero h1{font-size:42px}.hero-copy>p{font-size:14px}.hero-card{padding:22px 0}.hero-card>strong{font-size:33px}.hero-card .growth-chart{gap:7px;height:85px}.hero-card .mini-head{gap:14px}.mini-head span{font-size:17px}.mini-head i{font-size:8px}.trust-row{flex-direction:row;gap:8px 14px;font-size:10px}.proof{margin-inline:22px;padding:20px 0;grid-template-columns:1fr;gap:12px}.proof p b{display:inline;margin-inline-end:6px}.directory,.guides{padding:48px 22px}.section-title h2{font-size:34px}.category-tabs{gap:0}.category-tabs button{font-size:11px;padding:12px}.tool-grid,.guide-grid{grid-template-columns:1fr}.tool-card{grid-template-columns:24px minmax(0,1fr) 15px;gap:12px;padding:21px 0}.tool-card strong{font-size:18px}.guide-grid a{min-height:0}.tool-shell{padding:25px 18px 60px}.tool-title{gap:12px}.tool-title h1{font-size:32px}.tool-icon.large{width:36px;height:40px;font-size:20px}.calculator-card,.result-card{padding:25px 20px}.result-card>strong{font-size:38px}.data-strip{grid-template-columns:1fr;gap:12px;padding:18px}.explain-grid{grid-template-columns:1fr}.article-page{padding:48px 22px 70px}.article-page h1{font-size:36px}.article-page .lede{font-size:19px}.article-page h2{font-size:26px}.footer-main{grid-template-columns:1fr 1fr;gap:32px 20px}.footer-main>div:first-child{grid-column:1/-1}footer{padding:40px 22px 24px}.footer-bottom{gap:12px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
@media(max-width:360px){.nav-shell{padding-inline:12px;gap:9px}.wordmark em{font-size:30px}.wordmark small{font-size:6px;max-width:28px}.locale-select select{max-width:96px;font-size:10px}.nav-toggle{font-size:11px}}