:root{--bg:#f5f2ea;--paper:#fffefa;--ink:#203d33;--muted:#586c61;--line:#d9ddd2;--green:#14765a;--soft:#e8eee3;--dark:#183f32}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--bg);color:var(--ink);font:16px/1.75 system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}a{color:var(--green);text-underline-offset:4px}a:focus-visible,button:focus-visible,[tabindex]:focus-visible{outline:3px solid #238863;outline-offset:4px}img,svg{max-width:100%}.shell{width:min(1120px,calc(100% - 48px));margin:auto}.skip{position:absolute;left:20px;top:-100px;z-index:5;padding:10px 16px;background:var(--dark);color:#fff}.skip:focus{top:12px}
.site-top{display:flex;align-items:center;justify-content:space-between;gap:22px;flex-wrap:wrap;padding:24px 0;border-bottom:1px solid var(--line)}.brand{font-size:12px;line-height:1.2;font-weight:850;letter-spacing:.1em;text-decoration:none;color:var(--ink)}.brand b{display:block;font-size:18px;letter-spacing:-.04em;margin-top:2px}.site-nav{display:flex;gap:8px;flex-wrap:wrap;align-items:center;font-size:13px;font-weight:720}.site-nav a{padding:8px 12px;border-radius:9px;text-decoration:none;color:var(--ink)}.site-nav a:hover,.site-nav [aria-current]{background:var(--soft);color:var(--green)}.breadcrumbs{font-size:12px;color:var(--muted);margin:26px 0 0;display:flex;gap:9px;flex-wrap:wrap}.breadcrumbs a{color:var(--muted)}
.hero{max-width:940px;padding:57px 0 36px}.eyebrow{display:block;font-size:11px;font-weight:850;letter-spacing:.15em;text-transform:uppercase;color:var(--green)}h1{font-size:clamp(36px,5.1vw,64px);line-height:1.09;letter-spacing:-.047em;margin:15px 0 22px;font-weight:790;max-width:1000px}.intro{font-size:clamp(17px,2vw,21px);line-height:1.65;color:var(--muted);max-width:800px;margin:0}.byline{font-size:12px;color:var(--muted);margin:19px 0 0}.button{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:46px;padding:11px 19px;border-radius:11px;background:var(--green);border:1px solid var(--green);color:white;text-decoration:none;font-size:14px;font-weight:780}.button.secondary{background:transparent;color:var(--green);border-color:var(--line)}.button:hover{filter:brightness(.94)}.actions{display:flex;flex-wrap:wrap;gap:11px;margin:24px 0 0}
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.article-layout{display:grid;grid-template-columns:minmax(0,750px) minmax(180px,1fr);gap:44px;align-items:start}.article-body{min-width:0}.article-section{margin:0 0 32px;scroll-margin-top:24px}.article-section h2{font-size:clamp(25px,3vw,31px);line-height:1.22;letter-spacing:-.028em;margin:0 0 15px}.article-section h3{font-size:19px;line-height:1.35;margin:22px 0 10px}.article-section p{margin:0 0 16px}.article-section ul,.article-section ol{padding-left:22px;margin:16px 0}.article-section li{padding-left:3px;margin:10px 0}.paper{background:var(--paper);border:1px solid var(--line);border-radius:19px;padding:28px;margin:0 0 30px}.paper h2{font-size:26px}.assumption{border-left:3px solid var(--green);padding:8px 0 8px 18px;color:var(--muted);font-size:14px;margin:18px 0}.takeaway{background:var(--dark);color:#fff;border-radius:18px;padding:26px;margin:0 0 32px}.takeaway .eyebrow{color:#b4e2c0}.takeaway p{font-size:21px;line-height:1.5;letter-spacing:-.015em;margin:10px 0 0}.table-wrap{max-width:100%;overflow:auto;overscroll-behavior-x:contain}table{border-collapse:collapse;width:100%;font-size:14px;font-variant-numeric:tabular-nums}caption{text-align:left;font-size:13px;color:var(--muted);padding:0 0 13px}th,td{border-bottom:1px solid var(--line);text-align:right;padding:12px 7px;vertical-align:top}th:first-child,td:first-child{text-align:left}thead th{font-size:12px;line-height:1.45}tbody th{font-weight:650}.num{white-space:nowrap}.table-note{font-size:12px;color:var(--muted);margin:14px 0 0!important}.metric-row{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin:22px 0}.metric{background:var(--soft);border-radius:13px;padding:17px;min-width:0}.metric dt{font-size:12px;color:var(--muted);line-height:1.5}.metric dd{font-size:clamp(20px,2.6vw,27px);line-height:1.3;letter-spacing:-.035em;font-weight:780;margin:8px 0 0}.formula{padding:16px 18px;background:var(--soft);border-radius:12px;font-size:14px;overflow-wrap:anywhere}.article-aside{padding:20px;border:1px solid var(--line);border-radius:16px;background:var(--paper);font-size:13px}.article-aside h2{font-size:13px;margin:0 0 12px}.article-aside nav{display:grid;gap:10px}.article-aside a{text-decoration:none;color:var(--muted)}.article-aside a:hover{color:var(--green);text-decoration:underline}.source-list{font-size:13px;color:var(--muted);overflow-wrap:anywhere}.source-list a{font-weight:650}.sources-note{font-size:12px;color:var(--muted)}.related{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;border-top:1px solid var(--line);padding-top:27px;margin:42px 0}.related a{display:block;border:1px solid var(--line);border-radius:13px;padding:18px;background:var(--paper);text-decoration:none;font-size:14px;font-weight:720;color:var(--ink)}.related a:hover{border-color:var(--green)}.site-footer{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:15px;border-top:1px solid var(--line);padding:25px 0 36px;font-size:12px;color:var(--muted)}.site-footer nav{display:flex;gap:16px;flex-wrap:wrap}.site-footer a{color:var(--muted)}
@media(max-width:850px){.article-layout{grid-template-columns:minmax(0,1fr);gap:0}.article-aside{order:-1;margin:0 0 28px}.article-aside nav{display:flex;flex-wrap:wrap;gap:10px 18px}.hero{padding-top:40px}.guide-card.featured{gap:25px}.guide-card{padding:25px}}
@media(max-width:560px){.shell{width:calc(100% - 32px)}.site-top{gap:16px;padding:20px 0 16px}.site-nav{gap:3px}.site-nav a{padding:7px 9px;font-size:12px}.hero{padding:34px 0 28px}h1{font-size:38px;margin-bottom:18px}.guide-list,.guide-card.featured{grid-template-columns:minmax(0,1fr)}.guide-card.featured{gap:24px}.guide-card{padding:23px;border-radius:18px}.guide-card h2{font-size:27px}.pay-visual{padding:22px}.paper{padding:20px}.paper h2{font-size:24px}.takeaway{padding:22px}.takeaway p{font-size:19px}.metric-row{grid-template-columns:minmax(0,1fr);gap:8px}.metric{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:14px 16px}.metric dd{margin:0;font-size:24px}.metric dt{max-width:55%}.related{grid-template-columns:minmax(0,1fr)}.article-aside{padding:17px}th,td{padding:11px 5px}table{font-size:13px}.article-section{margin-bottom:28px}.button{width:100%;text-align:center}.site-footer{display:block}.site-footer nav{margin-top:12px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
@media print{body{background:white;color:#111}.site-nav,.actions,.article-aside,.related,.skip{display:none}.shell{width:100%}.hero{padding:20px 0}.article-layout{display:block}.paper,.takeaway{background:white;color:#111;border:1px solid #999;break-inside:avoid}.metric{background:white}.article-section{break-inside:avoid}.site-footer{margin-top:25px}}