/*! tailwindcss v4.2.1 | MIT License | https://tailwindcss.com */
@layer theme{:root,:host{--font-sans:ui-sans-serif, system-ui, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";--font-mono:ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace;--spacing:.25rem;--default-font-family:var(--font-sans);--default-mono-font-family:var(--font-mono)}}@layer base{*,:after,:before,::backdrop{box-sizing:border-box;border:0 solid;margin:0;padding:0}::file-selector-button{box-sizing:border-box;border:0 solid;margin:0;padding:0}html,:host{-webkit-text-size-adjust:100%;tab-size:4;line-height:1.5;font-family:var(--default-font-family,ui-sans-serif, system-ui, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji");font-feature-settings:var(--default-font-feature-settings,normal);font-variation-settings:var(--default-font-variation-settings,normal);-webkit-tap-highlight-color:transparent}hr{height:0;color:inherit;border-top-width:1px}abbr:where([title]){-webkit-text-decoration:underline dotted;text-decoration:underline dotted}h1,h2,h3,h4,h5,h6{font-size:inherit;font-weight:inherit}a{color:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;text-decoration:inherit}b,strong{font-weight:bolder}code,kbd,samp,pre{font-family:var(--default-mono-font-family,ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace);font-feature-settings:var(--default-mono-font-feature-settings,normal);font-variation-settings:var(--default-mono-font-variation-settings,normal);font-size:1em}small{font-size:80%}sub,sup{vertical-align:baseline;font-size:75%;line-height:0;position:relative}sub{bottom:-.25em}sup{top:-.5em}table{text-indent:0;border-color:inherit;border-collapse:collapse}:-moz-focusring{outline:auto}progress{vertical-align:baseline}summary{display:list-item}ol,ul,menu{list-style:none}img,svg,video,canvas,audio,iframe,embed,object{vertical-align:middle;display:block}img,video{max-width:100%;height:auto}button,input,select,optgroup,textarea{font:inherit;font-feature-settings:inherit;font-variation-settings:inherit;letter-spacing:inherit;color:inherit;opacity:1;background-color:#0000;border-radius:0}::file-selector-button{font:inherit;font-feature-settings:inherit;font-variation-settings:inherit;letter-spacing:inherit;color:inherit;opacity:1;background-color:#0000;border-radius:0}:where(select:is([multiple],[size])) optgroup{font-weight:bolder}:where(select:is([multiple],[size])) optgroup option{padding-inline-start:20px}::file-selector-button{margin-inline-end:4px}::placeholder{opacity:1}@supports (not ((-webkit-appearance:-apple-pay-button))) or (contain-intrinsic-size:1px){::placeholder{color:currentColor}@supports (color:color-mix(in lab, red, red)){::placeholder{color:color-mix(in oklab, currentcolor 50%, transparent)}}}textarea{resize:vertical}::-webkit-search-decoration{-webkit-appearance:none}::-webkit-date-and-time-value{min-height:1lh;text-align:inherit}::-webkit-datetime-edit{display:inline-flex}::-webkit-datetime-edit-fields-wrapper{padding:0}::-webkit-datetime-edit{padding-block:0}::-webkit-datetime-edit-year-field{padding-block:0}::-webkit-datetime-edit-month-field{padding-block:0}::-webkit-datetime-edit-day-field{padding-block:0}::-webkit-datetime-edit-hour-field{padding-block:0}::-webkit-datetime-edit-minute-field{padding-block:0}::-webkit-datetime-edit-second-field{padding-block:0}::-webkit-datetime-edit-millisecond-field{padding-block:0}::-webkit-datetime-edit-meridiem-field{padding-block:0}::-webkit-calendar-picker-indicator{line-height:1}:-moz-ui-invalid{box-shadow:none}button,input:where([type=button],[type=reset],[type=submit]){appearance:button}::file-selector-button{appearance:button}::-webkit-inner-spin-button{height:auto}::-webkit-outer-spin-button{height:auto}[hidden]:where(:not([hidden=until-found])){display:none!important}}@layer components;@layer utilities{.fixed{position:fixed}.start{inset-inline-start:var(--spacing)}.end{inset-inline-end:var(--spacing)}.block{display:block}.hidden{display:none}.table{display:table}}:root{--ink:#142b25;--ink-2:#22433a;--paper:#f4f1e9;--paper-2:#eae6dc;--white:#fffefa;--mint:#b9f7cf;--mint-dark:#67ce91;--coral:#f06b4f;--line:#142b252e;--muted:#65736e;--max:1200px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{background:var(--paper);color:var(--ink);word-break:keep-all;text-rendering:optimizelegibility;margin:0;font-family:Pretendard,Apple SD Gothic Neo,Noto Sans KR,Inter,Arial,sans-serif}a{color:inherit;text-decoration:none}button,input,select{font:inherit}button{color:inherit}::selection{background:var(--mint);color:var(--ink)}.skip-link{z-index:100;background:var(--mint);padding:12px 18px;font-weight:800;position:fixed;top:-80px;left:12px}.skip-link:focus{top:12px}.site-header{z-index:50;border-bottom:1px solid var(--line);background:var(--paper);position:sticky;top:0}@supports (color:color-mix(in lab, red, red)){.site-header{background:color-mix(in srgb, var(--paper) 92%, transparent)}}.site-header{-webkit-backdrop-filter:blur(14px);backdrop-filter:blur(14px)}.header-inner{width:min(calc(100% - 40px), var(--max));grid-template-columns:1fr auto 1fr;align-items:center;gap:28px;min-height:72px;margin:0 auto;display:grid}.wordmark{letter-spacing:-.04em;align-items:center;gap:10px;font-size:20px;font-weight:900;display:inline-flex}.brand-mark{border:2px solid;width:29px;height:29px;display:inline-block;position:relative;overflow:hidden}.brand-mark:before,.brand-mark:after,.brand-mark i,.brand-mark b{content:"";background:currentColor;display:block;position:absolute}.brand-mark:before{width:2px;height:38px;top:-5px;left:13px;transform:rotate(45deg)}.brand-mark:after{width:38px;height:2px;top:13px;left:-5px;transform:rotate(-45deg)}.brand-mark i{width:2px;height:100%;top:0;left:8px}.brand-mark b{width:100%;height:2px;top:19px;left:0}.header-inner nav{align-items:center;gap:28px;font-size:14px;font-weight:700;display:flex}.header-inner nav a{border-bottom:2px solid #0000;padding:26px 0}.header-inner nav a:hover{border-color:var(--ink)}.header-actions{justify-self:end;align-items:center;gap:14px;display:flex}.language-switcher{letter-spacing:.06em;align-items:center;gap:6px!important;font-size:11px!important;display:inline-flex!important}.language-switcher a{color:var(--muted);border:0!important;padding:8px 1px!important}.language-switcher a.active{color:var(--ink);text-underline-offset:4px;font-weight:950;text-decoration:underline}.header-cta{border:1px solid var(--ink);justify-self:end;padding:10px 15px;font-size:13px;font-weight:800}.home-hero{width:min(calc(100% - 40px), var(--max));border-left:1px solid var(--line);border-right:1px solid var(--line);grid-template-columns:1.12fr .88fr;min-height:680px;margin:0 auto;display:grid}.hero-copy{flex-direction:column;justify-content:center;padding:58px 54px 72px;display:flex}.edition-line{border-top:1px solid var(--ink);letter-spacing:.12em;justify-content:space-between;padding-top:9px;font-size:11px;font-weight:800;display:flex}.hero-kicker{margin:76px 0 15px;font-size:18px;font-weight:800}.hero-copy h1{letter-spacing:-.075em;max-width:730px;margin:0;font-size:clamp(54px,6.5vw,88px);font-weight:950;line-height:.98}.hero-copy h1 em{color:var(--coral);font-style:normal}.hero-description{max-width:550px;color:var(--ink-2);margin:35px 0 0;font-size:17px;line-height:1.8}.hero-actions{align-items:center;gap:28px;margin-top:38px;display:flex}.primary-link{background:var(--ink);min-width:220px;color:var(--white);border:1px solid var(--ink);justify-content:space-between;align-items:center;gap:34px;padding:17px 19px;font-size:14px;font-weight:800;display:inline-flex}.primary-link:hover{background:var(--mint);color:var(--ink)}.text-link,.light-link{border-bottom:1px solid;padding-bottom:3px;font-size:14px;font-weight:800}.hero-ledger{background-color:var(--ink);color:var(--paper);background-image:linear-gradient(#b9f7cf1a 1px,#0000 1px),linear-gradient(90deg,#b9f7cf1a 1px,#0000 1px);background-size:52px 52px;flex-direction:column;justify-content:space-between;margin:24px 24px 24px 0;padding:25px;display:flex;position:relative;overflow:hidden}.ledger-top,.ledger-foot{letter-spacing:.1em;justify-content:space-between;gap:10px;font-size:10px;font-weight:800;display:flex}.ledger-number span{color:var(--mint);margin-bottom:15px;font-size:13px;display:block}.ledger-number strong{letter-spacing:-.065em;font-size:clamp(40px,4.3vw,62px);line-height:1.08}.mini-chart{border-bottom:1px solid var(--mint);align-items:end;gap:11px;height:148px;display:flex}.mini-chart i{background:var(--mint);border-top:4px solid var(--coral);flex:1}.ledger-foot{border-top:1px solid #ffffff4d;padding-top:14px}.trust-strip{border-block:1px solid var(--ink);grid-template-columns:repeat(4,1fr);display:grid}.trust-strip p{border-right:1px solid var(--line);flex-direction:column;justify-content:center;align-items:center;min-height:116px;margin:0;display:flex}.trust-strip p:last-child{border:0}.trust-strip strong{letter-spacing:-.04em;font-size:28px}.trust-strip span{color:var(--muted);margin-top:5px;font-size:12px;font-weight:700}.calculator-index,.related-section{width:min(calc(100% - 40px), var(--max));margin:0 auto;padding:120px 0}.section-heading{justify-content:space-between;align-items:end;gap:30px;margin-bottom:46px;display:flex}.section-heading h2,.principles h2,.closing-cta h2{letter-spacing:-.065em;margin:8px 0 0;font-size:clamp(38px,4.2vw,58px);line-height:1.05}.section-heading p{color:var(--muted);margin:0;font-size:14px;line-height:1.7}.section-kicker{letter-spacing:.13em;text-transform:uppercase;font-size:11px;font-weight:900;display:block}.calculator-grid{border-top:1px solid var(--ink);border-left:1px solid var(--ink);grid-template-columns:repeat(4,1fr);display:grid}.calculator-card{border-right:1px solid var(--ink);border-bottom:1px solid var(--ink);flex-direction:column;justify-content:space-between;min-height:320px;padding:20px;transition:transform .2s,background-color .2s;display:flex;position:relative}.calculator-card:hover{z-index:2;background:var(--mint);box-shadow:4px 4px 0 var(--ink);transform:translate(-4px,-4px)}.card-1,.card-6{background:var(--ink);color:var(--paper)}.card-1:hover,.card-6:hover{color:var(--ink)}.card-4{background:var(--coral)}.card-7{background:var(--mint)}.card-top{letter-spacing:.1em;justify-content:space-between;font-size:11px;font-weight:900;display:flex}.calculator-card h3{letter-spacing:-.055em;margin:0 0 14px;font-size:28px}.calculator-card p{opacity:.78;margin:0;font-size:13px;line-height:1.65}.card-arrow{font-size:24px;position:absolute;bottom:18px;right:20px}.calculator-card>div:nth-child(2){padding-right:25px}.home-guides{width:min(calc(100% - 40px), var(--max));margin:0 auto;padding:20px 0 110px}.home-guide-grid{grid-template-columns:repeat(3,1fr);gap:14px;display:grid}.home-guide-grid a{background:var(--white);border:1px solid var(--line);flex-direction:column;min-height:275px;padding:25px;display:flex}.home-guide-grid a:hover{border-color:var(--ink);box-shadow:4px 4px 0 var(--ink);transform:translate(-3px,-3px)}.home-guide-grid span{color:var(--coral);letter-spacing:.06em;font-size:10px;font-weight:900}.home-guide-grid h3{letter-spacing:-.05em;margin:44px 0 11px;font-size:26px}.home-guide-grid p{color:var(--muted);margin:0;font-size:13px;line-height:1.7}.home-guide-grid b{margin-top:auto;padding-top:18px;font-size:11px}.principles{background:var(--ink);color:var(--paper);padding:120px max(20px, calc((100vw - var(--max)) / 2))}.inverse{align-items:end}.light-link{color:var(--mint)}.principle-grid{border-top:1px solid #ffffff59;grid-template-columns:repeat(3,1fr);margin-top:70px;display:grid}.principle-grid article{border-right:1px solid #ffffff38;min-height:245px;padding:26px 40px 0 0}.principle-grid article+article{padding-left:40px}.principle-grid article:last-child{border:0}.principle-grid span{color:var(--mint);font:700 12px ui-monospace,monospace}.principle-grid h3{letter-spacing:-.04em;margin:45px 0 12px;font-size:22px}.principle-grid p{color:#b9c7c2;max-width:290px;margin:0;font-size:14px;line-height:1.75}.closing-cta{text-align:center;flex-direction:column;justify-content:center;align-items:center;min-height:540px;padding:110px 20px;display:flex}.closing-cta h2{margin:16px 0 34px;font-size:clamp(52px,7vw,88px)}.site-footer{color:var(--paper);padding:74px max(20px, calc((100vw - var(--max)) / 2)) 28px;background:#0b1d18}.footer-top{grid-template-columns:2.1fr repeat(4,1fr);gap:45px;display:grid}.footer-wordmark{font-size:25px}.footer-intro p{color:#a9b8b3;margin:25px 0;font-size:14px;line-height:1.75}.footer-badge{color:var(--mint);border:1px solid #b9f7cf73;padding:9px 11px;font-size:10px;font-weight:800;display:inline-block}.footer-column{flex-direction:column;align-items:flex-start;gap:12px;display:flex}.footer-column h2{color:var(--mint);letter-spacing:.12em;margin:0 0 8px;font-size:11px}.footer-column a{color:#bbc6c2;font-size:13px}.footer-column a:hover{color:var(--white)}.footer-bottom{color:#778b84;border-top:1px solid #ffffff24;justify-content:space-between;gap:20px;margin-top:70px;padding-top:24px;font-size:11px;display:flex}.footer-bottom p{margin:0}.calculator-page{overflow:hidden}.calculator-hero{width:min(100% - 40px,1040px);margin:0 auto;padding:28px 0 30px}.breadcrumbs{color:var(--muted);flex-wrap:wrap;gap:9px;margin-bottom:34px;font-size:11px;display:flex}.breadcrumbs a{text-underline-offset:3px;text-decoration:underline}.calculator-title-grid{display:block}.calculator-title-grid h1,.info-page h1,.not-found h1{letter-spacing:-.06em;margin:9px 0 14px;font-size:clamp(38px,5vw,58px);line-height:1.05}.calculator-title-grid>p{max-width:700px;color:var(--ink-2);margin:0;font-size:15px;line-height:1.65}.calculator-shell{background:var(--white);width:min(100% - 40px,1040px);color:var(--ink);border:1px solid var(--line);grid-template-columns:340px minmax(0,1fr);gap:32px;margin:0 auto;padding:28px;display:grid;box-shadow:0 16px 50px #0e231d12}.calculator-form{border-right:1px solid var(--line);padding-right:32px}.form-grid{grid-template-columns:1fr;gap:17px;display:grid}.field{display:block}.field>span:first-child{color:var(--ink-2);margin-bottom:7px;font-size:12px;font-weight:800;display:block}.input-wrap{color:var(--ink);background:#fbfcfa;border:1px solid #cad3cf;border-radius:5px;align-items:center;display:flex}.input-wrap:focus-within{border-color:var(--mint-dark);box-shadow:0 0 0 3px #1f694e1a}.input-wrap input,.input-wrap select{background:0 0;border:0;outline:0;width:100%;min-width:0;padding:15px 13px;font-weight:800}.input-wrap select{appearance:none;background-image:linear-gradient(45deg, transparent 50%, var(--ink) 50%), linear-gradient(135deg, var(--ink) 50%, transparent 50%);background-position:calc(100% - 17px),calc(100% - 12px);background-repeat:no-repeat;background-size:5px 5px}.input-wrap b{white-space:nowrap;color:var(--muted);padding-right:13px;font-size:11px}.amount-reading{min-height:17px;color:var(--mint-dark);margin-top:5px;font-size:11px;font-weight:700;display:block}.calculate-button{background:var(--ink);width:100%;color:var(--white);cursor:pointer;border:0;border-radius:5px;justify-content:space-between;margin-top:22px;padding:16px;font-weight:900;display:flex}.calculate-button:hover{background:var(--mint-dark)}.privacy-note{color:var(--muted);margin:10px 0 0;font-size:10px}.calculator-results{min-width:0;scroll-margin-top:82px}.results-heading{justify-content:space-between;align-items:center;gap:20px;margin-bottom:17px;display:flex}.results-heading h2{letter-spacing:-.04em;margin:0;font-size:20px}.copy-button{border:1px solid var(--line);color:var(--ink-2);cursor:pointer;background:0 0;padding:8px 10px;font-size:11px}.result-grid{border-left:1px solid var(--line);border-top:1px solid var(--line);grid-template-columns:repeat(3,1fr);display:grid}.result-grid.four{grid-template-columns:repeat(2,1fr)}.result-card{border-right:1px solid var(--line);border-bottom:1px solid var(--line);flex-direction:column;justify-content:space-between;min-height:92px;padding:14px;display:flex}.result-card span{color:var(--muted);font-size:11px}.result-card strong{letter-spacing:-.04em;font-size:clamp(16px,2vw,22px)}.result-card.emphasis{background:var(--mint);color:var(--ink);grid-row:span 1}.result-card.emphasis span{color:var(--ink-2)}.result-caption,.result-callout{color:var(--muted);font-size:11px}.result-callout,.result-warning{border-left:3px solid var(--coral);background:#fff7f2;padding:12px 14px;font-size:12px}.table-block{margin-top:24px;position:relative}.table-scroll-hint{border:1px solid var(--line);color:var(--mint-dark);background:#edf5f0;border-bottom:0;justify-content:flex-end;align-items:center;gap:6px;margin:0;padding:8px 10px;font-size:10px;font-weight:900;display:flex}.table-scroll-hint span{font-size:14px;line-height:1}.table-block.has-overflow:not(.at-end):after{content:"";z-index:2;pointer-events:none;background:linear-gradient(90deg,#fff0,#0e231d1f);width:34px;position:absolute;top:32px;bottom:1px;right:1px}.schedule-wrap{border:1px solid var(--line);overscroll-behavior-inline:contain;-webkit-overflow-scrolling:touch;scrollbar-color:var(--muted) #edf1ee;scrollbar-width:thin;max-height:520px;overflow:auto}.schedule-wrap.compact{max-height:none}.schedule-wrap table{border-collapse:collapse;width:100%;min-width:650px;font-size:11px}.schedule-wrap.compact table{min-width:520px}.schedule-wrap.fits-mobile table{table-layout:fixed;min-width:100%}.schedule-wrap.fits-mobile th:first-child,.schedule-wrap.fits-mobile td:first-child{width:40%}.schedule-wrap.fits-mobile th,.schedule-wrap.fits-mobile td{white-space:normal;overflow-wrap:anywhere}caption{text-align:left;color:var(--ink);background:#f4f7f5;padding:12px;font-weight:900;position:sticky;left:0}th,td{text-align:right;border-bottom:1px solid var(--line);white-space:nowrap;padding:10px 9px}th:first-child,td:first-child{text-align:left}th{z-index:1;background:var(--white);color:var(--muted);font-weight:700;position:sticky;top:0}td strong{font-size:11px;display:block}td small{color:var(--muted);margin-top:2px;font-size:9px;display:block}.total-row td{background:#f3fbf5;font-weight:900}.calculator-guide{width:min(calc(100% - 40px), var(--max));border-top:1px solid var(--ink);margin:62px auto 0}.calculator-guide>summary{cursor:pointer;padding:20px 36px 20px 0;font-size:14px;font-weight:900;list-style:none;position:relative}.calculator-guide>summary:after{content:"+";font-size:21px;font-weight:400;position:absolute;right:8px}.calculator-guide[open]>summary:after{content:"−"}.calculator-guide-link{border:1px solid var(--ink);background:var(--white);grid-template-columns:210px 1fr;width:min(100% - 40px,1040px);margin:62px auto 90px;display:grid}.calculator-guide-link>img{aspect-ratio:1;object-fit:cover;border-right:1px solid var(--ink);width:100%;height:100%}.calculator-guide-link>div{align-self:center;padding:25px 28px}.calculator-guide-link h2{letter-spacing:-.05em;margin:10px 0 9px;font-size:27px;line-height:1.2}.calculator-guide-link p{color:var(--muted);margin:0 0 17px;font-size:12px;line-height:1.7}.calculator-guide-link a{text-underline-offset:4px;font-size:12px;font-weight:900;text-decoration:underline}.content-layout{grid-template-columns:minmax(0,1fr) 300px;align-items:start;gap:70px;width:100%;margin:0;padding:58px 0 80px;display:grid}.article-content section{padding-bottom:58px}.article-content h2,.source-panel h2,.info-content h2{letter-spacing:-.055em;margin:10px 0 26px;font-size:34px}.article-content>section>p,.info-content>p{color:var(--ink-2);font-size:15px;line-height:1.85}.formula-box{background:var(--white);border:1px solid var(--ink);border-left:8px solid var(--mint-dark);letter-spacing:-.03em;padding:26px;font:700 17px/1.6 ui-monospace,SFMono-Regular,Menlo,monospace}.check-list{border-top:1px solid var(--ink);margin:0;padding:0;list-style:none}.check-list li{border-bottom:1px solid var(--line);padding:18px 18px 18px 38px;font-size:14px;line-height:1.6;position:relative}.check-list li:before{content:"✓";color:var(--coral);font-weight:900;position:absolute;left:10px}.example-grid{grid-template-columns:1fr 1fr;gap:16px;display:grid}.example-grid article{background:var(--white);border-top:4px solid var(--ink);padding:24px}.example-grid span{color:var(--coral);letter-spacing:.1em;font-size:10px;font-weight:900}.example-grid h3{margin:24px 0 8px;font-size:20px}.example-grid p{color:var(--muted);margin:0;font-size:13px;line-height:1.7}.faq-list{border-top:1px solid var(--ink)}.faq-list details{border-bottom:1px solid var(--line)}.faq-list summary{cursor:pointer;padding:20px 35px 20px 0;font-size:15px;font-weight:800;list-style:none;position:relative}.faq-list summary:after{content:"+";font-size:20px;position:absolute;right:8px}.faq-list details[open] summary:after{content:"−"}.faq-list p{color:var(--muted);margin:0;padding:0 35px 22px 0;font-size:14px;line-height:1.75}.source-panel{background:var(--white);border:1px solid var(--ink);padding:25px;position:sticky;top:102px}.source-panel h2{font-size:25px}.source-panel>p{color:var(--muted);font-size:13px;line-height:1.7}.source-panel dl{border-top:1px solid var(--line);margin:28px 0}.source-panel dl div{border-bottom:1px solid var(--line);padding:12px 0}.source-panel dt{color:var(--muted);font-size:10px}.source-panel dd{margin:5px 0 0;font-size:12px;font-weight:800;line-height:1.5}.source-panel a{text-underline-offset:4px;margin-top:10px;font-size:12px;font-weight:800;text-decoration:underline;display:block}.related-section{border-top:1px solid var(--ink)}.related-grid{grid-template-columns:repeat(3,1fr);gap:14px;display:grid}.related-grid a{background:var(--white);border:1px solid var(--line);flex-direction:column;min-height:230px;padding:22px;display:flex}.related-grid a:hover{border-color:var(--ink);box-shadow:4px 4px 0 var(--ink);transform:translate(-3px,-3px)}.related-grid span{color:var(--coral);font-size:10px;font-weight:900}.related-grid h3{letter-spacing:-.04em;margin:45px 0 8px;font-size:23px}.related-grid p{color:var(--muted);font-size:12px;line-height:1.6}.related-grid b{margin-top:auto;font-size:11px}.info-page{width:min(100% - 40px,980px);margin:0 auto;padding:42px 0 130px}.info-page header{border-bottom:1px solid var(--ink);padding-bottom:60px}.info-page header>p{max-width:700px;color:var(--muted);line-height:1.75}.info-content{max-width:790px;padding-top:65px}.info-content h2{margin-top:64px}.info-content h2:first-child{margin-top:0}.info-content li{color:var(--ink-2);margin:12px 0;line-height:1.7}.info-content a{text-underline-offset:3px;font-weight:700;text-decoration:underline}.info-cards{grid-template-columns:repeat(3,1fr);gap:12px;margin:30px 0 45px;display:grid}.info-cards article{border:1px solid var(--ink);background:var(--white);padding:22px}.info-cards b{color:var(--coral);font:800 11px ui-monospace,monospace}.info-cards h3{margin:30px 0 8px;font-size:17px}.info-cards p{color:var(--muted);font-size:12px;line-height:1.6}.source-list{border-top:1px solid var(--ink)}.source-list a{border-bottom:1px solid var(--line);grid-template-columns:120px 1fr auto;gap:20px;padding:18px 8px;text-decoration:none;display:grid}.source-list span,.source-list b{color:var(--muted);font-size:11px}.policy-date{background:var(--mint);padding:7px 10px;font-weight:800;display:inline-block;font-size:11px!important}.contact-box{background:var(--ink);color:var(--paper);margin:35px 0;padding:28px}.contact-box span{color:var(--mint);letter-spacing:.1em;font-size:10px;font-weight:900;display:block}.contact-box a{color:var(--paper);text-underline-offset:5px;overflow-wrap:anywhere;margin-top:18px;font-size:clamp(20px,4vw,28px);font-weight:900;text-decoration:underline;display:inline-block}.contact-box a:hover{color:var(--mint)}.contact-box p{color:#a7b7b2;font-size:12px;line-height:1.6}.not-found{text-align:center;flex-direction:column;justify-content:center;align-items:center;min-height:650px;padding:50px 20px;display:flex}.not-found p{color:var(--muted);margin-bottom:30px}.guide-index-page,.guide-page{overflow:hidden}.guide-index-hero{width:min(calc(100% - 40px), var(--max));margin:0 auto;padding:38px 0 62px}.guide-index-hero h1{letter-spacing:-.075em;max-width:900px;margin:12px 0 24px;font-size:clamp(52px,7vw,88px);line-height:.98}.guide-index-hero>p{max-width:720px;color:var(--ink-2);margin:0;font-size:17px;line-height:1.75}.guide-index-grid{width:min(calc(100% - 40px), var(--max));grid-template-columns:repeat(3,1fr);gap:16px;margin:0 auto;padding-bottom:110px;display:grid}.guide-card{background:var(--white);border:1px solid var(--line);min-width:0}.guide-card:hover{border-color:var(--ink);box-shadow:5px 5px 0 var(--ink);transform:translate(-4px,-4px)}.guide-card-image{aspect-ratio:16/10;border-bottom:1px solid var(--line);background:#f4f1e9;position:relative;overflow:hidden}.guide-card-image img{object-fit:cover;width:100%;height:100%}.guide-card-image>span{background:var(--ink);min-width:36px;color:var(--mint);text-align:center;padding:7px;font:800 11px ui-monospace,monospace;position:absolute;top:12px;left:12px}.guide-card-copy{padding:22px}.guide-card-copy small{color:var(--coral);letter-spacing:.06em;font-size:10px;font-weight:900}.guide-card-copy h2{letter-spacing:-.05em;min-height:62px;margin:13px 0 11px;font-size:25px}.guide-card-copy p{min-height:86px;color:var(--muted);margin:0 0 22px;font-size:13px;line-height:1.7}.guide-card-copy b{border-top:1px solid var(--line);justify-content:space-between;padding-top:14px;font-size:11px;display:flex}.guide-hero{width:min(calc(100% - 40px), var(--max));margin:0 auto;padding:32px 0 48px}.guide-hero-grid{grid-template-columns:minmax(0,1fr) 420px;align-items:end;gap:72px;display:grid}.guide-hero-grid.guide-hero-text-only{grid-template-columns:minmax(0,820px)}.guide-hero-grid h1{letter-spacing:-.07em;margin:13px 0 22px;font-size:clamp(47px,6.2vw,76px);line-height:1.02}.guide-hero-grid>div>p{max-width:720px;color:var(--ink-2);font-size:17px;line-height:1.75}.guide-hero-grid>img{border:1px solid var(--ink);width:100%;height:auto}.guide-meta{color:var(--muted);flex-wrap:wrap;gap:8px 20px;margin-top:30px;font-size:11px;font-weight:700;display:flex}.guide-body-layout{grid-template-columns:minmax(0,1fr) 270px;align-items:start;gap:76px;width:min(100% - 40px,1080px);margin:0 auto;padding:82px 0 110px;display:grid}.guide-article>section{margin-bottom:76px}.guide-article>section>h2,.fire-goal-cta h2,.guide-calculator-cta h2{letter-spacing:-.055em;margin:10px 0 24px;font-size:clamp(28px,3.8vw,40px);line-height:1.15}.guide-article>section>p{color:var(--ink-2);word-break:keep-all;margin:0 0 20px;font-size:16px;line-height:1.95}.guide-summary{background:var(--ink);color:var(--paper);padding:30px}.guide-summary>span{color:var(--mint);letter-spacing:.12em;font-size:10px;font-weight:900}.guide-summary h2{color:var(--paper)}.guide-summary ul{margin:0;padding:0;list-style:none}.guide-summary li{color:#d4dfdb;border-top:1px solid #ffffff2e;padding:15px 0 15px 30px;font-size:14px;line-height:1.7;position:relative}.guide-summary li:before{content:"✓";color:var(--mint);font-weight:900;position:absolute;left:4px}.scenario-list{grid-template-columns:repeat(2,1fr);gap:14px;display:grid}.scenario-list article{background:var(--white);border:1px solid var(--line);padding:22px}.scenario-list small{color:var(--coral);font-size:10px;font-weight:900}.scenario-list h3{letter-spacing:-.04em;margin:18px 0 10px;font-size:20px;line-height:1.35}.scenario-list p{min-height:62px;color:var(--muted);margin:0 0 22px;font-size:12px;line-height:1.7}.scenario-list dl{border-top:1px solid var(--ink);margin:0}.scenario-list dl div{border-bottom:1px solid var(--line);justify-content:space-between;gap:18px;padding:11px 0;display:flex}.scenario-list dt{color:var(--muted);font-size:10px}.scenario-list dd{text-align:right;margin:0;font-size:12px;font-weight:900}.guide-bullets{border-top:1px solid var(--ink);margin:28px 0 0;padding:0;list-style:none}.guide-bullets li{border-bottom:1px solid var(--line);padding:15px;font-size:14px;font-weight:800}.guide-side{background:var(--mint);border:1px solid var(--ink);padding:23px;position:sticky;top:100px}.guide-side>span,.guide-calculator-cta>div>span,.fire-goal-cta>div>span{letter-spacing:.08em;font-size:10px;font-weight:900}.guide-side h2{letter-spacing:-.04em;margin:18px 0 10px;font-size:22px}.guide-side p{color:var(--ink-2);font-size:12px;line-height:1.7}.guide-side a{background:var(--ink);color:var(--white);margin:22px 0 17px;padding:13px;font-size:12px;font-weight:900;display:block}.guide-side small{color:var(--ink-2);font-size:9px;line-height:1.6}.guide-calculator-cta{background:var(--ink);color:var(--paper);justify-content:space-between;align-items:end;gap:30px;margin:0 0 76px;padding:30px;display:flex}.guide-calculator-cta h2{color:var(--paper);margin-bottom:10px;font-size:30px}.guide-calculator-cta p{color:#afbfba;max-width:520px;margin:0;font-size:12px;line-height:1.7}.guide-calculator-cta a{background:var(--mint);min-width:150px;color:var(--ink);flex:none;justify-content:space-between;padding:14px;font-size:12px;font-weight:900;display:flex}.fire-goal-cta{border:1px solid var(--ink);background:#e5f7e9;grid-template-columns:minmax(0,1fr) 250px;align-items:end;gap:24px 30px;margin:0 0 76px;padding:30px;display:grid}.fire-goal-cta h2{margin-bottom:10px;font-size:30px}.fire-goal-cta p{color:var(--ink-2);margin:0;font-size:12px;line-height:1.7}.fire-goal-cta label>span:first-child{margin-bottom:7px;font-size:11px;font-weight:900;display:block}.guide-input-wrap{background:var(--white);border:1px solid var(--ink);align-items:center;display:flex}.guide-input-wrap input{background:0 0;border:0;outline:0;width:100%;min-width:0;padding:14px;font-weight:900}.guide-input-wrap b{color:var(--muted);padding-right:12px;font-size:11px}.fire-goal-cta label small{color:var(--mint-dark);margin-top:6px;font-size:10px;font-weight:800;display:block}.fire-goal-cta>a{background:var(--ink);color:var(--white);grid-column:1/-1;justify-content:space-between;padding:15px;font-size:13px;font-weight:900;display:flex}.guide-faq p{font-size:14px!important;line-height:1.75!important}.guide-sources{border-top:1px solid var(--ink);padding-top:28px}.guide-sources h2{font-size:22px!important}.guide-sources ul{margin:0;padding-left:19px}.guide-sources li{margin:8px 0;font-size:12px}.guide-sources a{text-underline-offset:3px;text-decoration:underline}.related-guide-section{width:min(calc(100% - 40px), var(--max));border-top:1px solid var(--ink);margin:0 auto;padding:90px 0 110px}.related-guide-grid{grid-template-columns:repeat(3,1fr);gap:14px;display:grid}.related-guide-grid>a{background:var(--white);border:1px solid var(--line)}.related-guide-grid img{aspect-ratio:16/9;object-fit:cover;border-bottom:1px solid var(--line);width:100%}.related-guide-grid div{padding:20px}.related-guide-grid span{color:var(--coral);font-size:9px;font-weight:900}.related-guide-grid h3{margin:13px 0 8px;font-size:20px}.related-guide-grid p{color:var(--muted);margin:0;font-size:12px;line-height:1.65}@media (width<=980px){.header-inner{grid-template-columns:1fr auto}.header-inner>nav{display:none}.home-hero{grid-template-columns:1fr}.hero-ledger{min-height:520px;margin:0 24px 24px}.calculator-grid,.home-guide-grid{grid-template-columns:repeat(2,1fr)}.footer-top{grid-template-columns:2fr repeat(2,1fr)}.footer-intro{grid-row:span 2}.calculator-shell{grid-template-columns:1fr}.calculator-form{border-right:0;border-bottom:1px solid var(--line);padding:0 0 28px}.content-layout{grid-template-columns:1fr;gap:20px}.source-panel{position:static}.calculator-title-grid{grid-template-columns:1fr;gap:35px}.guide-index-grid{grid-template-columns:repeat(2,1fr)}.guide-hero-grid{grid-template-columns:minmax(0,1fr) 340px;gap:38px}.guide-body-layout{grid-template-columns:1fr;gap:24px}.guide-side{position:static}}@media (width<=660px){.header-inner{width:min(calc(100% - 28px), var(--max));min-height:62px}.header-cta{display:none}.header-actions{gap:0}.language-switcher{gap:4px!important;font-size:10px!important}.home-hero,.calculator-hero,.calculator-index,.home-guides,.related-section,.info-page{width:min(calc(100% - 28px), var(--max))}.home-hero{border:0;min-height:0}.hero-copy{padding:42px 0 55px}.hero-kicker{margin-top:60px}.hero-copy h1{font-size:clamp(48px,15vw,68px)}.hero-description{font-size:15px}.hero-actions{flex-direction:column;align-items:flex-start}.hero-ledger{min-height:480px;margin:0 0 14px}.trust-strip{grid-template-columns:1fr 1fr}.trust-strip p:nth-child(2){border-right:0}.trust-strip p:nth-child(-n+2){border-bottom:1px solid var(--line)}.calculator-index,.related-section{padding:82px 0}.section-heading{flex-direction:column;align-items:start}.calculator-grid,.home-guide-grid{grid-template-columns:1fr}.home-guide-grid a{min-height:240px}.calculator-card{min-height:260px}.principles{padding-block:84px}.principle-grid{grid-template-columns:1fr}.principle-grid article,.principle-grid article+article{border-bottom:1px solid #fff3;border-right:0;min-height:0;padding:26px 0}.principle-grid h3{margin-top:30px}.closing-cta{min-height:480px}.footer-top{grid-template-columns:1fr 1fr}.footer-intro{grid-area:auto/1/auto/-1;margin-bottom:20px}.footer-bottom{flex-direction:column}.calculator-hero{padding:22px 0 24px}.breadcrumbs{margin-bottom:27px}.calculator-title-grid h1,.info-page h1{font-size:38px}.calculator-shell{border-radius:0;width:calc(100% - 20px);padding:20px 16px}.form-grid{grid-template-columns:1fr}.result-grid,.result-grid.four{grid-template-columns:1fr 1fr}.result-card.emphasis{grid-column:1/-1}.calculator-guide{width:calc(100% - 28px);margin-top:48px}.calculator-guide-link{grid-template-columns:1fr;width:calc(100% - 28px);margin:48px auto 70px}.calculator-guide-link>img{aspect-ratio:16/9;border-right:0;border-bottom:1px solid var(--ink)}.calculator-guide-link>div{padding:21px}.content-layout{padding-block:46px 64px}.article-content section{padding-bottom:62px}.example-grid,.related-grid,.info-cards{grid-template-columns:1fr}.source-list a{grid-template-columns:1fr;gap:6px}.guide-index-hero,.guide-hero,.guide-index-grid,.guide-body-layout,.related-guide-section{width:calc(100% - 28px)}.guide-index-hero{padding:28px 0 44px}.guide-index-hero h1{font-size:47px}.guide-index-hero>p,.guide-hero-grid>div>p{font-size:15px}.guide-index-grid{grid-template-columns:1fr;padding-bottom:80px}.guide-card-copy h2,.guide-card-copy p{min-height:0}.guide-hero{padding:24px 0 30px}.guide-hero-grid{grid-template-columns:1fr}.guide-hero-grid h1{font-size:42px}.guide-hero-grid>img{aspect-ratio:16/10;object-fit:cover;order:-1}.guide-body-layout{padding:55px 0 80px}.guide-article>section{margin-bottom:58px}.guide-article>section>p{font-size:15px;line-height:1.85}.guide-summary{padding:23px 19px}.scenario-list{grid-template-columns:1fr}.scenario-list p{min-height:0}.guide-calculator-cta{flex-direction:column;align-items:stretch;padding:24px 20px}.fire-goal-cta{grid-template-columns:1fr;padding:24px 20px}.fire-goal-cta>a{grid-column:auto}.related-guide-grid{grid-template-columns:1fr}}@media (prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}