.SiteNav_bar__MlNSg{background:var(--bg);border-bottom:1px solid var(--border);position:-webkit-sticky;position:sticky;top:0;z-index:20}.SiteNav_inner__K_tmR{max-width:1100px;margin:0 auto;padding:0 1.5rem;min-height:56px;display:flex;align-items:center;gap:1.5rem;flex-wrap:wrap}.SiteNav_logo__RpPLh{font-weight:500;font-size:15px;color:var(--text)!important;text-decoration:none!important;white-space:nowrap;flex-shrink:0;padding:8px 0}.SiteNav_links__5DWhM{display:flex;gap:1.1rem;flex-wrap:wrap;align-items:center}.SiteNav_links__5DWhM a{font-size:14px;color:var(--text2);text-decoration:none;white-space:nowrap;padding:4px 0}.SiteNav_links__5DWhM a:hover{color:var(--accent);text-decoration:none}@media (max-width:640px){.SiteNav_inner__K_tmR{gap:.5rem 1rem;padding:.5rem 1rem}.SiteNav_links__5DWhM{gap:.75rem 1rem;width:100%}.SiteNav_links__5DWhM a{font-size:13px}}.Calculator_page___v1dW{min-height:100vh;display:flex;flex-direction:column}.Calculator_header__vv9pT{background:var(--bg);border-bottom:1px solid var(--border);padding:1.5rem 1.5rem 1.25rem;text-align:center}.Calculator_h1__VPPVJ{font-size:clamp(1.25rem,3vw,1.75rem);font-weight:700;color:var(--text);margin-bottom:.25rem}.Calculator_subtitle__7uZYZ{font-size:.9rem;color:var(--text2);display:flex;align-items:center;justify-content:center;gap:8px;flex-wrap:wrap;margin-top:6px}.Calculator_subtitle__7uZYZ a{color:hsla(0,0%,100%,.65);text-decoration:none;transition:color .15s}.Calculator_subtitle__7uZYZ a:hover{color:#fff;text-decoration:underline}.Calculator_subtitle__7uZYZ span{color:hsla(0,0%,100%,.3);-webkit-user-select:none;-moz-user-select:none;user-select:none}.Calculator_main__gPfFw{flex:1 1;display:grid;grid-template-columns:340px 1fr;grid-gap:1.5rem;gap:1.5rem;max-width:1100px;margin:0 auto;padding:1.5rem;width:100%}@media (max-width:768px){.Calculator_main__gPfFw{grid-template-columns:1fr}}.Calculator_card__9tvz3{background:var(--bg);border:1px solid var(--border);border-radius:var(--radius);padding:1.25rem;margin-bottom:1rem}.Calculator_fieldGroup__ic1fl{margin-bottom:1rem}.Calculator_inputPrefix__SjdPN{position:relative}.Calculator_prefix__S0f6B{position:absolute;left:10px;top:50%;transform:translateY(-50%);color:var(--text2);font-size:15px;pointer-events:none}.Calculator_badge__iR9ew{background:var(--accent-bg);color:var(--accent);font-size:12px;padding:1px 6px;border-radius:99px;font-weight:600}.Calculator_checkLabel__ctf9K{display:flex;align-items:center;font-size:14px;color:var(--text2);cursor:pointer;margin-bottom:0}.Calculator_hero__4NRA2{background:var(--green-bg);border:1px solid #bbf7d0;border-radius:var(--radius);padding:1.25rem;display:flex;align-items:center;gap:1rem;margin-bottom:1rem;flex-wrap:wrap}@media (prefers-color-scheme:dark){.Calculator_hero__4NRA2{border-color:#14532d}}.Calculator_heroItem__KgSxG{display:flex;flex-direction:column;gap:2px}.Calculator_heroLabel__eDc_i{font-size:12px;color:var(--green);font-weight:600;text-transform:uppercase;letter-spacing:.04em}.Calculator_heroValue__FsKAI{font-size:clamp(1.5rem,4vw,2rem);font-weight:700;color:var(--green)}.Calculator_heroValue2__KarmJ{font-size:1.25rem;font-weight:600;color:var(--green)}.Calculator_heroDivider__UWyIm{width:1px;height:40px;background:#86efac;flex-shrink:0}.Calculator_metrics__o70hR{display:grid;grid-template-columns:repeat(3,1fr);grid-gap:10px;gap:10px;margin-bottom:1rem}.Calculator_metric__Y0WvZ{background:var(--bg2);border-radius:var(--radius-sm);padding:10px 12px;display:flex;flex-direction:column;gap:3px}.Calculator_metricLabel__mRmfN{font-size:11px;color:var(--text2);text-transform:uppercase;letter-spacing:.04em}.Calculator_metricValue__6zE8U{font-size:1.1rem;font-weight:600;color:var(--text)}.Calculator_sectionTitle__mAXaR{font-size:14px;font-weight:600;color:var(--text2);text-transform:uppercase;letter-spacing:.05em;margin-bottom:1rem}.Calculator_barItem__LdNKt{margin-bottom:12px}.Calculator_barMeta__qiH36{display:flex;justify-content:space-between;margin-bottom:4px}.Calculator_barLabel__VhHnX,.Calculator_barValue__qpTHW{font-size:14px;color:var(--text)}.Calculator_barValue__qpTHW{font-weight:500}.Calculator_barTrack__i3l26{height:7px;background:var(--bg3);border-radius:99px;overflow:hidden;margin-bottom:3px}.Calculator_barFill__4FLkZ{height:100%;border-radius:99px;transition:width .25s ease}.Calculator_barPct__5BV7G{font-size:11px;color:var(--text3)}.Calculator_totalRow__yhPeD{display:flex;justify-content:space-between;padding-top:10px;margin-top:6px;border-top:1px solid var(--border);font-weight:600;font-size:15px}.Calculator_table__sPmLl{width:100%;border-collapse:collapse;font-size:14px}.Calculator_table__sPmLl td{padding:6px 4px;border-bottom:1px solid var(--bg3);color:var(--text)}.Calculator_table__sPmLl td:last-child{text-align:right;font-feature-settings:"tnum";font-variant-numeric:tabular-nums;color:var(--text2)}.Calculator_trSub__XlS_0 td{padding-left:16px;color:var(--text2)!important;font-size:13px}.Calculator_trTotal__Y22tb td{font-weight:600;color:var(--text)!important;border-top:1px solid var(--border);border-bottom:none}.Calculator_disclaimer__I8WFz{font-size:12px;color:var(--text3);line-height:1.5;margin-bottom:1rem}.Calculator_footer__ORHfU{background:var(--bg);border-top:1px solid var(--border);padding:1rem 1.5rem;text-align:center;font-size:13px;color:var(--text2)}.ArticleLayout_page__rk5vx{min-height:100vh;display:flex;flex-direction:column;background:var(--bg3)}.ArticleLayout_header__uRaG0{background:var(--bg);border-bottom:1px solid var(--border);position:-webkit-sticky;position:sticky;top:0;z-index:10}.ArticleLayout_nav__s4zGr{max-width:1100px;margin:0 auto;padding:0 1.5rem;height:56px;display:flex;align-items:center;gap:2rem}.ArticleLayout_logo__vYie4{font-weight:700;font-size:15px;color:var(--text)!important;text-decoration:none!important;white-space:nowrap;flex-shrink:0}.ArticleLayout_navLinks__vC6Fr{display:flex;gap:1.25rem;flex-wrap:wrap}.ArticleLayout_navLinks__vC6Fr a{font-size:14px;color:var(--text2);text-decoration:none;white-space:nowrap}.ArticleLayout_navLinks__vC6Fr a:hover{color:var(--accent);text-decoration:none}.ArticleLayout_main__fW3jc{flex:1 1;max-width:1100px;margin:0 auto;padding:2rem 1.5rem;width:100%;display:grid;grid-template-columns:1fr 280px;grid-gap:2rem;gap:2rem;align-items:start}@media (max-width:768px){.ArticleLayout_main__fW3jc{grid-template-columns:1fr}.ArticleLayout_sidebar__70fsA{order:-1}.ArticleLayout_navLinks__vC6Fr{display:none}}.ArticleLayout_article__YtfwL{background:var(--bg);border:1px solid var(--border);border-radius:12px;overflow:hidden}.ArticleLayout_articleHeader__q_uLq{padding:2rem 2rem 1.5rem;border-bottom:1px solid var(--border)}.ArticleLayout_breadcrumb__BJM7x{font-size:13px;color:var(--text3);margin-bottom:.75rem}.ArticleLayout_breadcrumb__BJM7x a{color:var(--text3)}.ArticleLayout_breadcrumb__BJM7x a:hover{color:var(--accent)}.ArticleLayout_h1__68Vj5{font-size:clamp(1.4rem,3vw,2rem);font-weight:700;line-height:1.25;margin-bottom:.75rem;color:var(--text)}.ArticleLayout_lead__bInR1{font-size:1.05rem;color:var(--text2);line-height:1.65;margin-bottom:.75rem}.ArticleLayout_meta__6Tq1m{font-size:12px;color:var(--text3)}.ArticleLayout_content__IV10D{padding:2rem}.ArticleLayout_content__IV10D h2{font-size:1.3rem;font-weight:700;margin:2rem 0 .75rem;color:var(--text);padding-bottom:.4rem;border-bottom:2px solid var(--bg3)}.ArticleLayout_content__IV10D h2:first-child{margin-top:0}.ArticleLayout_content__IV10D h3{font-size:1.05rem;font-weight:600;margin:1.5rem 0 .5rem;color:var(--text)}.ArticleLayout_content__IV10D p{margin-bottom:1rem;line-height:1.75;color:var(--text)}.ArticleLayout_content__IV10D ol,.ArticleLayout_content__IV10D ul{margin:0 0 1rem 1.25rem;line-height:1.8;color:var(--text)}.ArticleLayout_content__IV10D li{margin-bottom:.25rem}.ArticleLayout_content__IV10D table{width:100%;border-collapse:collapse;margin:1rem 0 1.5rem;font-size:14px}.ArticleLayout_content__IV10D th{background:var(--bg2);padding:10px 12px;text-align:left;font-weight:600;font-size:13px;color:var(--text2);border-bottom:1px solid var(--border)}.ArticleLayout_content__IV10D td{padding:9px 12px;border-bottom:1px solid var(--bg3);color:var(--text)}.ArticleLayout_content__IV10D tr:last-child td{border-bottom:none}.ArticleLayout_callout__BkMGG{background:var(--accent-bg);border-left:3px solid var(--accent);border-radius:0 6px 6px 0;padding:1rem 1.25rem;margin:1.25rem 0;font-size:14px;color:var(--text);line-height:1.65}.ArticleLayout_example__rPU8z{background:var(--bg2);border:1px solid var(--border);border-radius:8px;padding:1.25rem;margin:1.25rem 0}.ArticleLayout_example__rPU8z strong{display:block;font-size:13px;text-transform:uppercase;letter-spacing:.05em;color:var(--text2);margin-bottom:.5rem}.ArticleLayout_cta__2QZY3{margin:0 2rem 2rem;background:var(--bg2);border-radius:8px;padding:1.25rem;display:flex;align-items:center;justify-content:space-between;gap:1rem;flex-wrap:wrap}.ArticleLayout_cta__2QZY3 p{margin:0;font-weight:500;color:var(--text)}.ArticleLayout_ctaBtn__aGxrG{background:var(--accent);color:#fff!important;padding:9px 18px;border-radius:6px;font-size:14px;font-weight:600;text-decoration:none!important;white-space:nowrap}.ArticleLayout_ctaBtn__aGxrG:hover{opacity:.9}.ArticleLayout_sidebar__70fsA{display:flex;flex-direction:column;gap:1rem}.ArticleLayout_sideCard__aLBaj{background:var(--bg);border:1px solid var(--border);border-radius:10px;padding:1.25rem}.ArticleLayout_sideTitle__9mkGN{font-size:12px;font-weight:600;text-transform:uppercase;letter-spacing:.06em;color:var(--text3);margin-bottom:.75rem}.ArticleLayout_sideList__m_zhr{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:8px}.ArticleLayout_sideList__m_zhr a{font-size:14px;color:var(--text2)}.ArticleLayout_sideList__m_zhr a:hover{color:var(--accent)}.ArticleLayout_rateTable__GeFUK{width:100%;border-collapse:collapse;font-size:13px}.ArticleLayout_rateTable__GeFUK td{padding:5px 0;border-bottom:1px solid var(--bg3);color:var(--text2)}.ArticleLayout_rateTable__GeFUK td:last-child{text-align:right;font-weight:500;color:var(--text)}.ArticleLayout_rateTable__GeFUK tr:last-child td{border-bottom:none}.ArticleLayout_footer__3C1e6{background:var(--bg);border-top:1px solid var(--border);padding:1rem 1.5rem;text-align:center;font-size:13px;color:var(--text2)}