@charset "UTF-8";
:root{--ink:#202d3b;--muted:#586370;--red:#c5392d;--paper:#fff;--line:#d9dfe3;--gold:#f7d24e;--bg:#edf0f2;--navy:#24384c}*{box-sizing:border-box}body{margin:0;background:var(--bg);color:var(--ink);font-family:Arial,"Microsoft YaHei","Segoe UI",sans-serif;font-size:16px;line-height:1.7}a{color:inherit;text-decoration:none}a:hover{color:var(--red)}button,input{font:inherit}button,a,input{touch-action:manipulation}button{cursor:pointer}button:focus-visible,a:focus-visible,input:focus-visible,summary:focus-visible{outline:3px solid #1676ad;outline-offset:4px}button{color:inherit}button:disabled{cursor:default}h1,h2,h3,p,figure{margin:0}h1,h2,h3{line-height:1.3}p{overflow-wrap:anywhere}.shell{max-width:1200px;margin:0 auto;padding-left:30px;padding-right:30px}main.shell{background:var(--paper);padding-bottom:60px}.utility{background:var(--navy);color:#e6ebef;font-size:13px}.utility .shell{display:flex;justify-content:space-between;gap:16px;align-items:center;min-height:38px}.utility nav{display:flex;gap:19px}.utility a{padding:7px 0;display:inline-block}.utility a:hover{color:var(--gold)}.utility a[aria-current]{color:var(--gold)}.masthead{min-height:118px;background:#fff;display:flex;align-items:center;gap:34px}.brand{display:inline-flex;align-items:center;gap:12px;font-size:29px;font-weight:900;white-space:nowrap;letter-spacing:-1px}.brand-mark{background:var(--red);color:white;font-size:30px;font-style:italic;width:43px;height:43px;display:grid;place-items:center}.brand-light{font-weight:400;margin-left:5px;letter-spacing:-1.6px}.masthead p{font-size:15px;border-left:1px solid var(--line);padding-left:28px}.masthead small{display:block;color:var(--muted);font-size:12px;letter-spacing:.4px}.masthead-cta{margin-left:auto;font-size:14px;background:#f4f5f6;padding:13px 15px}.masthead-cta b{font-family:monospace;padding-left:10px}.nav-wrap{background:var(--red);color:white;max-width:1200px;margin:auto}.nav-wrap .shell{display:flex;justify-content:space-between;align-items:center}.nav-wrap nav{display:flex;gap:27px}.nav-wrap a{display:block;padding:15px 0;font-size:15px;position:relative}.nav-wrap a:hover{color:#fff2ac}.nav-wrap a[aria-current]:after{content:"";height:3px;background:var(--gold);position:absolute;bottom:7px;left:0;right:0}.nav-end{font-size:12px;letter-spacing:1px;color:#ffe4de}.menu{display:none}.issue-line{display:flex;justify-content:space-between;padding:17px 0;border-bottom:1px solid var(--line);font-size:12px;letter-spacing:1.2px;color:var(--muted)}.home-grid{display:grid;grid-template-columns:minmax(0,1fr) 278px;gap:30px;padding-top:28px}.lead-copy{padding:8px 0 27px}.eyebrow{display:block;color:var(--red);font-size:12px;font-weight:700;letter-spacing:1.2px}.lead-copy h1{font-size:clamp(34px,4vw,49px);letter-spacing:-1.9px;line-height:1.23;margin:13px 0 19px;max-width:720px}.lead-copy p{max-width:660px;color:var(--muted);font-size:17px}.text-link{display:inline-block;font-size:14px;font-weight:bold;border-bottom:1px solid var(--ink);margin-top:17px}.data-feature{background:var(--navy);color:#fff;padding:25px 30px}.data-top{display:flex;justify-content:space-between;gap:12px;align-items:center;font-size:12px;color:#c8d3df}.data-no{font-size:29px;line-height:1.1;font-weight:bold;color:#ed8268}.data-feature h2{font-size:20px;margin:15px 0 22px}.data-feature .eyebrow{color:#d1dce4;font-weight:400;letter-spacing:.5px}.big-number{font-size:clamp(30px,3.9vw,49px);line-height:1.6;letter-spacing:-1.5px;font-variant-numeric:tabular-nums}.big-number>span{color:#acbecf;font-size:.58em}.burn-chart{margin:15px 0 20px}.burn-chart figcaption{font-size:12px;color:#c8d3df;margin-bottom:12px}.burn-chart>div{display:grid;grid-template-columns:25px 1fr 62px;gap:13px;align-items:center;margin-top:9px;font-size:13px}.burn-chart i{display:block;width:var(--bar);height:12px;background:#7992a7}.burn-chart>div:last-child i{background:#f37d5e}.burn-chart b{text-align:right;font-size:13px;font-weight:400;font-variant-numeric:tabular-nums}.data-bottom{border-top:1px solid #536476;padding-top:15px;display:flex;justify-content:space-between;align-items:end;gap:18px}.data-bottom p{font-size:12px;color:#c8d3df}.data-bottom strong{display:block;font-size:19px;color:white;letter-spacing:.4px}.data-bottom a{font-size:13px;white-space:nowrap;color:white}.data-bottom a:hover{color:var(--gold)}.offer{padding:26px 23px;background:var(--gold)}.offer-label{font-size:12px;letter-spacing:.7px;color:#493e16;font-weight:700}.offer h2{font-size:25px;margin:17px 0 14px}.offer p{font-size:14px;line-height:1.8}.offer .eyebrow{margin-top:28px;color:#4b401f}.code{font-family:"Courier New",monospace;font-size:35px;font-weight:bold;letter-spacing:2px;margin:1px 0 11px}.copy{background:transparent;width:100%;border:1px solid #7f6c2c;display:flex;align-items:center;justify-content:space-between;padding:8px 12px;min-height:44px;font-size:14px}.copy:hover{background:#ffe184}.copy-status{min-height:19px;font-size:12px!important}.btn{display:inline-flex;align-items:center;justify-content:center;gap:15px;min-height:48px;background:var(--red);color:#fff;border:0;padding:12px 20px;font-size:14px;font-weight:bold;line-height:1.5}.btn:hover{background:#a22a22;color:white}.btn.dark{background:var(--ink);color:white}.btn.dark:hover{background:#3a4c60}.offer .btn{width:100%;margin:6px 0 17px}.offer small{display:block;font-size:12px;line-height:1.7;color:#4b401f}.side-notes{margin-top:27px;padding-top:18px;border-top:3px solid var(--ink)}.side-notes h3{font-size:17px;margin-bottom:15px}.side-notes>div{display:flex;gap:15px;padding:14px 0;border-bottom:1px solid var(--line)}.side-notes>div>span{font-family:monospace;color:var(--red);font-size:19px}.side-notes p{font-size:13px;color:var(--muted);line-height:1.65}.side-notes strong{color:var(--ink);font-size:14px}.feature-pair{display:grid;grid-template-columns:1fr 1fr;gap:26px;margin-top:26px}.guide-card{display:flex;flex-direction:column;border-top:2px solid var(--ink);padding:20px 0 18px;min-width:0}.tag{font-size:12px;color:var(--red);letter-spacing:.5px;font-weight:bold}.guide-card h3{font-size:22px;line-height:1.4;margin:12px 0}.guide-card p{color:var(--muted);font-size:14px;line-height:1.8;margin-bottom:20px}.card-foot{margin-top:auto;display:flex;justify-content:space-between;align-items:center;gap:10px;font-size:12px;color:var(--muted)}.card-foot a{font-weight:700;color:var(--ink)}.reading-section{margin-top:47px}.section-title{display:flex;justify-content:space-between;gap:20px;align-items:end;padding-bottom:24px}.section-title h2{font-size:27px;margin-top:9px}.section-title>a{font-size:14px;white-space:nowrap}.card-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:30px}.tool-banner{display:flex;gap:27px;align-items:center;background:#f0f3f5;padding:27px 30px;margin-top:36px;border-left:4px solid var(--red)}.tool-symbol{font-size:63px;color:var(--red);line-height:1}.tool-banner h2{font-size:25px;margin:7px 0}.tool-banner p{font-size:14px;max-width:620px;color:var(--muted)}.tool-banner .btn{margin-left:auto;flex-shrink:0}.page-heading{padding:52px 0 33px;max-width:900px}.page-heading h1{font-size:40px;letter-spacing:-1px;margin:14px 0 18px}.page-heading p{font-size:18px;color:var(--muted);max-width:820px}.reading-controls{display:flex;gap:25px;justify-content:space-between;align-items:end;padding:22px;background:#f0f3f5;margin-bottom:30px}.reading-controls label{font-size:14px;flex:1;max-width:440px}input[type=search],input[type=number]{display:block;width:100%;border:1px solid #a5afb6;border-radius:0;background:white;color:var(--ink);padding:11px 12px;min-height:46px;margin-top:7px;font-size:16px}.filters{display:flex;gap:7px;flex-wrap:wrap}.filters button{border:1px solid #a5afb6;background:transparent;padding:10px 12px;font-size:13px;min-height:44px}.filters button[aria-pressed=true]{background:var(--ink);color:white;border-color:var(--ink)}[hidden]{display:none!important}.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 278px;gap:55px;padding-top:44px}.article .breadcrumb{font-size:13px;color:var(--red)}.article h1{font-size:38px;letter-spacing:-.7px;margin:20px 0}.article-intro{font-size:19px;color:var(--muted)}.byline{display:flex;gap:20px;border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:13px 0;margin:25px 0;font-size:12px;color:var(--muted);flex-wrap:wrap}.toc{background:#f0f3f5;padding:19px 24px;font-size:14px;margin-bottom:30px}summary{cursor:pointer;font-weight:bold;min-height:24px}.toc ol{margin-bottom:0;padding-left:22px}.toc a:hover{text-decoration:underline}.article section{scroll-margin-top:30px;margin:33px 0}.article h2{font-size:24px;margin-bottom:16px}.article section p{font-size:17px;line-height:1.95}.sources{padding-left:22px;font-size:14px}.sources a{text-decoration:underline;text-underline-offset:3px}.article-next{display:flex;flex-direction:column;gap:12px;border-top:2px solid var(--red);padding:24px 0;margin-top:30px;font-size:15px}.table-scroll{overflow-x:auto;margin:24px 0 42px}table{border-collapse:collapse;width:100%;font-size:15px;text-align:left}thead{background:var(--navy);color:white}th,td{padding:18px;border-bottom:1px solid var(--line)}td a{text-decoration:underline}.numeric{font-variant-numeric:tabular-nums;white-space:nowrap}.archive-feature{display:grid;grid-template-columns:1fr 1fr;gap:50px;background:var(--navy);color:white;padding:25px 30px}.archive-feature p{font-size:15px;align-self:center}.archive-feature .burn-chart{margin:0}.calculator-layout{display:grid;grid-template-columns:1.25fr 1fr;border-top:3px solid var(--red)}#budget-form{padding:30px;background:#f0f3f5}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:23px}.form-grid label{font-size:14px}.form-actions{display:flex;align-items:center;gap:20px;margin-top:26px}.reset{border:0;background:transparent;text-decoration:underline;font-size:13px;min-height:44px}.results{display:grid;grid-template-columns:1fr 1fr;background:var(--navy);color:white;padding:28px;gap:23px}.results>div{border-bottom:1px solid #647384;padding:11px 0 24px}.results span{font-size:13px;display:block;color:#d2dce3}.results strong{display:block;font-size:29px;line-height:1.3;margin-top:17px;font-weight:600;overflow-wrap:anywhere}.results>div:first-child strong{color:var(--gold)}.results>div:last-child strong{color:#ffa68d}#calc-error,#register-status{color:#b2251c;font-size:14px;margin-top:14px}.method-note{color:var(--muted);font-size:14px;padding:24px 0}.method{padding:20px;background:#f0f3f5;font-size:15px}.method p{margin-top:12px}.start-layout{display:grid;grid-template-columns:1.25fr 1fr;gap:50px;margin-bottom:38px}.start-steps{list-style:none;padding:0;margin:0}.start-steps li{display:flex;gap:22px;padding:23px 0;border-top:1px solid var(--line)}.start-steps li>span{color:var(--red);font-family:monospace;font-size:26px}.start-steps h2{font-size:21px;margin-bottom:10px}.start-steps p{color:var(--muted);font-size:15px}.registration-box{background:#f7d24e;padding:30px;align-self:start}.registration-box p{font-size:14px}.registration-box .eyebrow{color:var(--ink)}.registration-box .btn{width:100%;margin:19px 0 12px}.check{display:flex;gap:12px;align-items:start;font-size:14px;line-height:1.7;padding-top:24px;margin-top:18px;border-top:1px solid #b9a354}.check input{width:20px;height:20px;flex-shrink:0;accent-color:var(--ink)}[aria-disabled=true]{opacity:.65}.registration-box small{display:block;font-size:12px}.policy-content{max-width:800px}.policy-content section{margin-bottom:30px}.policy-content h2{font-size:24px;margin-bottom:13px}.policy-content p{color:var(--muted)}footer{background:var(--navy);color:white;padding:43px 0}footer .brand{font-size:24px}footer .brand:hover{color:var(--gold)}.footer-grid{display:grid;grid-template-columns:1.2fr .65fr 1.1fr;gap:55px}footer p{font-size:13px;line-height:1.8;color:#d1dce4;margin-top:16px}footer nav{display:flex;flex-direction:column;gap:12px;font-size:14px}footer small{display:block;margin-top:17px;font-size:12px;color:#c8d3df}footer a:hover{color:var(--gold)}.skip{position:fixed;top:-100px;left:15px;padding:10px;background:white;z-index:10}.skip:focus{top:12px}
@media(min-width:1200px){.home-grid .lead-copy h1 br{display:none}.home-grid .lead-copy h1{max-width:600px}}
@media(max-width:1050px){.masthead{gap:20px}.masthead p{padding-left:18px}.masthead-cta{display:none}.nav-wrap nav{gap:21px}.article-layout{gap:28px}.results{padding:20px;gap:15px}.results strong{font-size:24px}.home-grid{grid-template-columns:minmax(0,1fr) 255px;gap:25px}.offer{padding:22px 19px}.card-grid{gap:22px}.guide-card h3{font-size:20px}.data-feature{padding:23px}.tool-banner{flex-wrap:wrap}.tool-banner .btn{margin-left:0}}
@media(max-width:760px){.shell{padding-left:20px;padding-right:20px}.utility .shell{flex-wrap:wrap;gap:0;padding-top:6px;padding-bottom:4px}.utility .shell>span{font-size:11px;flex:1 1 100%}.utility nav{gap:23px}.utility nav a{font-size:12px}.masthead{min-height:94px;gap:17px;flex-wrap:wrap;padding-top:16px;padding-bottom:16px}.brand{font-size:26px}.brand-mark{width:35px;height:35px;font-size:26px}.masthead p{border:0;padding:0;font-size:13px}.masthead small{font-size:11px}.menu{display:block;background:transparent;border:0;color:white;font-size:15px;min-height:51px;padding:8px 0}.nav-wrap .shell{flex-wrap:wrap}.nav-wrap nav{display:none;order:3;flex:1 1 100%;padding-bottom:10px;gap:0;flex-direction:column}.nav-wrap nav.open{display:flex}.nav-wrap a{padding:10px 0}.nav-wrap a[aria-current]:after{width:35px;bottom:4px}.issue-line{font-size:10px;gap:20px}.issue-line span:last-child{letter-spacing:0}.home-grid,.article-layout{grid-template-columns:1fr;gap:30px}.home-grid{padding-top:22px}.lead-copy{padding-top:0}.lead-copy h1{font-size:36px;letter-spacing:-1.2px}.lead-copy p{font-size:16px}.data-feature{padding:22px 20px}.data-bottom{align-items:start;flex-direction:column;gap:15px}.data-bottom strong{font-size:21px}.big-number{font-size:37px}.data-no{font-size:23px}.feature-pair{gap:20px}.guide-card h3{font-size:19px}.feature-pair .guide-card p{font-size:13px}.feature-pair .card-foot{flex-direction:column;align-items:start}.offer{padding:26px}.offer h2{font-size:26px}.offer .code{font-size:37px}.side-notes{display:none}.section-title{align-items:start}.section-title h2{font-size:24px}.section-title>a{font-size:12px}.card-grid{grid-template-columns:1fr}.card-grid .guide-card h3{font-size:23px}.guide-card p{font-size:15px}.reading-section{margin-top:34px}.tool-banner{padding:25px 22px;gap:13px}.tool-symbol{display:none}.tool-banner .btn{width:100%;margin-top:10px}.page-heading{padding-top:32px}.page-heading h1{font-size:32px}.page-heading p{font-size:16px}.reading-controls{display:block;padding:18px}.filters{margin-top:18px}.filters button{font-size:12px}.article-layout{padding-top:30px}.article h1{font-size:31px}.article-intro{font-size:17px}.article section p{font-size:16px}.article h2{font-size:22px}.byline{gap:7px;justify-content:space-between}.article .side-notes{display:none}.archive-feature{grid-template-columns:1fr;gap:23px;padding:22px}.calculator-layout{grid-template-columns:1fr}#budget-form{padding:23px 18px}.form-grid{gap:17px 13px}.form-grid label{font-size:13px}.results{padding:23px;gap:22px}.results strong{font-size:27px}.start-layout{grid-template-columns:1fr;gap:25px}.registration-box{padding:25px}.start-steps li{gap:16px}.start-steps h2{font-size:20px}.footer-grid{grid-template-columns:1fr;gap:28px}footer nav{flex-direction:row;flex-wrap:wrap;gap:20px}footer p{margin-top:7px}th,td{padding:13px;font-size:13px}.table-scroll{margin-top:20px}main.shell{padding-bottom:40px}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important}}

/* Reading edition: content navigation stays independent of registration. */
.intro-focus{display:grid;grid-template-columns:140px 1fr;border-top:2px solid var(--red);padding:18px 0;gap:22px;margin:20px 0}.intro-focus dt{font-size:14px;font-weight:bold;color:var(--red)}.intro-focus dd{margin:0}.intro-takeaway{margin:20px 0;padding:18px 23px;background:#f2f4f6;border-left:4px solid var(--red)}
.masthead{min-height:105px}.home-grid{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:28px 36px}.home-grid .lead{display:contents}.lead-copy{grid-column:1;grid-row:1}.data-feature{grid-column:1;grid-row:2}.home-invite{grid-column:2;grid-row:1/3}.home-invite .offer{position:static}.offer-benefit{font-weight:700}.offer .text-link{font-size:17px;display:block;line-height:1.6;margin:18px 0}.offer small{font-size:12px;line-height:1.75}.library-intro{max-width:780px;color:var(--muted);margin-bottom:25px}.topic-section{display:grid;grid-template-columns:185px 1fr;gap:25px;border-top:1px solid var(--line);padding:25px 0}.topic-section h3{font-size:19px;color:var(--red)}.home-links{display:grid;grid-template-columns:1fr 1fr;gap:15px 30px}.home-links a{font-size:16px;text-decoration:underline;text-underline-offset:5px;text-decoration-color:#c9cfd4}.article-layout{display:block;max-width:900px;margin:auto;padding-top:40px}.article-cover{margin:25px 0}.article-cover img{display:block;width:100%;height:auto;aspect-ratio:1200/630}.article-cover figcaption{font-size:12px;color:var(--muted);margin-top:6px}.article .art-body{font-size:17px;line-height:1.95}.art-body>p,.art-body li p{margin:16px 0}.art-body h2{margin:38px 0 17px;scroll-margin-top:25px}.art-body h3{font-size:20px;margin:25px 0 12px}.art-body a,.related a,.policy-content a,.tool-guide a{text-decoration:underline;text-underline-offset:4px;color:#165b7b}.art-body li{margin:9px 0}.art-body table{margin:20px 0;display:block;overflow-x:auto;max-width:100%;font-size:15px}.art-body blockquote{margin:25px 0;padding:20px 25px;border-left:4px solid var(--red);background:#f1f3f5}.art-body .callout,.art-body aside{padding:21px;background:#f1f3f5;border-left:3px solid var(--red);margin:20px 0}.art-body figure{margin:25px 0}.art-body svg{max-width:100%;height:auto}.related{border-top:2px solid var(--red);padding-top:25px}.related ul{padding-left:20px}.related li{margin:12px 0}.registration-box{margin:38px 0;max-width:650px}.policy-content>p{margin:15px 0}.policy-content h2{margin:30px 0 14px}.policy-content li{margin:9px 0}.tool-guide{margin-top:24px;padding:23px;border:1px solid var(--line)}.tool-guide section{margin:25px 0}.tool-guide h3{font-size:20px;margin-bottom:12px}.tool-guide p{font-size:16px}.footer-grid{grid-template-columns:1fr 1fr 1fr;gap:35px}.footer-grid nav{display:grid;grid-template-columns:1fr 1fr;gap:12px 18px;align-content:start}.footer-grid a{overflow-wrap:anywhere}.topic-section a:hover{color:var(--red)}
@media(max-width:760px){.masthead{min-height:88px}.masthead p{font-size:12px}.home-grid{display:flex;flex-direction:column;gap:23px}.home-invite{order:0}.lead-copy{order:1}.data-feature{order:2}.home-invite .offer{display:grid;grid-template-columns:1fr 1fr;gap:5px 15px;padding:18px 20px}.home-invite .offer h2{font-size:21px;grid-column:1/3}.home-invite .offer>p:first-of-type{display:none}.home-invite .offer>.eyebrow{grid-column:1/3;margin-top:8px}.home-invite .code{font-size:29px;letter-spacing:2px;line-height:1.4;margin:0}.home-invite .copy{font-size:12px;min-height:44px;align-self:center;padding:8px}.home-invite .copy-status{grid-column:1/3;margin:0;font-size:12px;min-height:0}.home-invite .offer-benefit{grid-column:1/3;font-size:14px;margin:7px 0 0}.home-invite .text-link{grid-column:1/3;font-size:15px;margin:7px 0}.home-invite small{grid-column:1/3;font-size:11px;line-height:1.6}.lead-copy h1{font-size:32px}.lead-copy p{font-size:15px}.topic-section{grid-template-columns:1fr;gap:16px}.home-links{grid-template-columns:1fr;gap:15px}.article-layout{padding-top:28px}.article .art-body{font-size:16px}.art-body h2{font-size:23px}.art-body h3{font-size:19px}.art-body table{font-size:14px}.art-body th,.art-body td{min-width:130px}.article-cover{margin:20px 0}.footer-grid{grid-template-columns:1fr}.footer-grid nav{grid-template-columns:1fr 1fr}.page-heading h1{overflow-wrap:anywhere}.big-number{font-size:34px}.byline{font-size:12px}.form-grid label{font-size:14px}.results span{font-size:14px}}
@media(max-width:600px){.intro-focus{grid-template-columns:1fr;gap:7px}.intro-takeaway{padding:16px}}
