*,::backdrop,:after,:before{--tw-border-spacing-x:0;--tw-border-spacing-y:0;--tw-translate-x:0;--tw-translate-y:0;--tw-rotate:0;--tw-skew-x:0;--tw-skew-y:0;--tw-scale-x:1;--tw-scale-y:1;--tw-pan-x: ;--tw-pan-y: ;--tw-pinch-zoom: ;--tw-scroll-snap-strictness:proximity;--tw-gradient-from-position: ;--tw-gradient-via-position: ;--tw-gradient-to-position: ;--tw-ordinal: ;--tw-slashed-zero: ;--tw-numeric-figure: ;--tw-numeric-spacing: ;--tw-numeric-fraction: ;--tw-ring-inset: ;--tw-ring-offset-width:0px;--tw-ring-offset-color:#fff;--tw-ring-color:rgb(59 130 246/0.5);--tw-ring-offset-shadow:0 0 #0000;--tw-ring-shadow:0 0 #0000;--tw-shadow:0 0 #0000;--tw-shadow-colored:0 0 #0000;--tw-blur: ;--tw-brightness: ;--tw-contrast: ;--tw-grayscale: ;--tw-hue-rotate: ;--tw-invert: ;--tw-saturate: ;--tw-sepia: ;--tw-drop-shadow: ;--tw-backdrop-blur: ;--tw-backdrop-brightness: ;--tw-backdrop-contrast: ;--tw-backdrop-grayscale: ;--tw-backdrop-hue-rotate: ;--tw-backdrop-invert: ;--tw-backdrop-opacity: ;--tw-backdrop-saturate: ;--tw-backdrop-sepia: ;--tw-contain-size: ;--tw-contain-layout: ;--tw-contain-paint: ;--tw-contain-style: }/*
! tailwindcss v3.4.19 | MIT License | https://tailwindcss.com
*/*,:after,:before{box-sizing:border-box;border:0 solid #e5e7eb}:after,:before{--tw-content:""}:host,html{line-height:1.5;-webkit-text-size-adjust:100%;tab-size:4;font-family:ui-sans-serif,system-ui,sans-serif,Apple Color Emoji,Segoe UI Emoji,Segoe UI Symbol,Noto Color Emoji;font-feature-settings:normal;font-variation-settings:normal;-webkit-tap-highlight-color:transparent}body{line-height:inherit}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;text-decoration:inherit}b,strong{font-weight:bolder}code,kbd,pre,samp{font-family:ui-monospace,SFMono-Regular,Menlo,Monaco,Consolas,Liberation Mono,Courier New,monospace;font-feature-settings:normal;font-variation-settings:normal;font-size:1em}small{font-size:80%}sub,sup{font-size:75%;line-height:0;position:relative;vertical-align:initial}sub{bottom:-.25em}sup{top:-.5em}table{text-indent:0;border-color:inherit}button,input,optgroup,select,textarea{font-family:inherit;font-feature-settings:inherit;font-variation-settings:inherit;font-size:100%;font-weight:inherit;line-height:inherit;letter-spacing:inherit;color:inherit;margin:0;padding:0}button,select{text-transform:none}button,input:where([type=button]),input:where([type=reset]),input:where([type=submit]){-webkit-appearance:button;background-color:initial;background-image:none}:-moz-focusring{outline:auto}:-moz-ui-invalid{box-shadow:none}progress{vertical-align:initial}::-webkit-inner-spin-button,::-webkit-outer-spin-button{height:auto}[type=search]{-webkit-appearance:textfield;outline-offset:-2px}::-webkit-search-decoration{-webkit-appearance:none}::-webkit-file-upload-button{-webkit-appearance:button;font:inherit}summary{display:list-item}blockquote,dd,dl,fieldset,figure,h1,h2,h3,h4,h5,h6,hr,p,pre{margin:0}menu,ol,ul{list-style:none;margin:0;padding:0}dialog{padding:0}textarea{resize:vertical}input::placeholder,textarea::placeholder{opacity:1;color:#9ca3af}[role=button],button{cursor:pointer}:disabled{cursor:default}audio,canvas,embed,iframe,img,object,svg,video{display:block;vertical-align:middle}img,video{max-width:100%;height:auto}[hidden]:where(:not([hidden=until-found])){display:none}.container{width:100%}@media (min-width:640px){.container{max-width:640px}}@media (min-width:768px){.container{max-width:768px}}@media (min-width:1024px){.container{max-width:1024px}}@media (min-width:1280px){.container{max-width:1280px}}@media (min-width:1536px){.container{max-width:1536px}}.sr-only{border-width:0}.visible{visibility:visible}.static{position:static}.fixed{position:fixed}.relative{position:relative}.block{display:block}.inline{display:inline}.flex{display:flex}.\!table{display:table!important}.table{display:table}.hidden{display:none}.grow{flex-grow:1}.border{border-width:1px}.blur{--tw-blur:blur(8px)}.blur,.filter{filter:var(--tw-blur) var(--tw-brightness) var(--tw-contrast) var(--tw-grayscale) var(--tw-hue-rotate) var(--tw-invert) var(--tw-saturate) var(--tw-sepia) var(--tw-drop-shadow)}:root{--text-base:18px;--text-sm:16px;--text-lede:1.2rem;--text-h1:clamp(1.75rem,1.35rem + 1.8vw,2.25rem);--text-h2:1.6rem;--text-h3:1.25rem;--text-h4:1.05rem;--leading:1.7;--leading-tight:1.2;--measure:64ch;--s1:0.25rem;--s2:0.5rem;--s3:0.75rem;--s4:1rem;--s5:1.5rem;--s6:2rem;--s7:3rem;--s8:4rem;--ink:#1a1a1a;--ink-muted:#4a4a4a;--ink-inverse:#ffffff;--brand:#0b3d2c;--brand-bright:#0b57d0;--brand-bright-hover:#08429c;--critical:#a8071a;--important:#8a4b00;--surface:#ffffff;--surface-sunk:#f4f4f2;--surface-tint:#eef3fd;--line:#d4d4d0;--line-strong:#767676;--tap:48px;--focus:3px solid #0b57d0;--focus-offset:2px;--radius:8px}html{font-size:var(--text-base);scroll-padding-top:var(--s8)}body{margin:0;color:var(--ink);background:var(--surface);font-family:system-ui,-apple-system,Segoe UI Variable Text,Segoe UI,Roboto,Helvetica Neue,Arial,sans-serif;font-size:1rem;line-height:var(--leading);text-rendering:optimizeLegibility;display:flex;flex-direction:column;min-height:100vh}:focus-visible{outline:var(--focus);outline-offset:var(--focus-offset)}@media (prefers-reduced-motion:reduce){*,:after,:before{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important;scroll-behavior:auto!important}}h1,h2,h3,h4{line-height:var(--leading-tight);margin:var(--s6) 0 var(--s3);text-wrap:balance;letter-spacing:-.011em}h1{font-size:var(--text-h1);margin-top:0;letter-spacing:-.02em}h2{font-size:var(--text-h2)}h3{font-size:var(--text-h3)}h3,h4{letter-spacing:0}h4{font-size:var(--text-h4)}li,p{max-width:var(--measure)}p{text-wrap:pretty}ol,p,ul{margin:0 0 1.15em}ol,ul{padding-left:1.4em}ul{list-style:disc}ol{list-style:decimal}li{margin-bottom:.45em}li:last-child{margin-bottom:0}li>ol,li>ul{margin-top:.45em}li::marker{color:var(--ink-muted)}dd,li,p,td,th{overflow-wrap:break-word}.money,.tabular,table{font-variant-numeric:tabular-nums}b,strong{font-weight:650}a{color:var(--brand-bright);text-decoration:underline;text-underline-offset:3px}a:hover{text-decoration-thickness:2px}[role=button],button,input:not([type=hidden]),select{min-height:var(--tap);font-size:1rem;font-family:inherit}input[type=checkbox],input[type=radio]{min-height:24px;min-width:24px;width:24px;height:24px;accent-color:var(--brand-bright)}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.skip-link{position:absolute;left:-9999px;top:0;z-index:100;background:var(--surface);color:var(--ink);padding:var(--s3) var(--s4);text-decoration:none}.skip-link:focus{left:0}.wrap{width:100%;max-width:46rem;margin:0 auto;padding:0 var(--s4)}.masthead{background:var(--brand);color:var(--ink-inverse)}.masthead__inner{display:flex;flex-wrap:wrap;align-items:baseline;gap:var(--s2) var(--s5);padding-top:var(--s3);padding-bottom:var(--s3)}.masthead__brand{color:var(--ink-inverse);font-size:clamp(.95rem,.85rem + .5vw,1.05rem);font-weight:700;letter-spacing:-.01em;text-decoration:none;margin-right:auto}.masthead__brand:hover{text-decoration:underline}.masthead__nav ul{display:flex;flex-wrap:wrap;gap:var(--s5);list-style:none;margin:0;padding:0}.masthead__nav a{display:inline-block;color:var(--ink-inverse);text-decoration:none;padding:var(--s2) 0;font-size:var(--text-sm)}.masthead__nav a:hover{text-decoration:underline;text-underline-offset:4px}.masthead__nav a[aria-current=page]{text-decoration:underline;text-decoration-thickness:3px;text-underline-offset:5px}.masthead :focus-visible{outline-color:#ffffff}.site-main{flex:1 0 auto;padding-top:var(--s6);padding-bottom:var(--s7)}.site-footer{border-top:1px solid var(--line);background:var(--surface-sunk);padding:var(--s5) 0;font-size:var(--text-sm)}.site-footer p{color:var(--ink-muted)}.site-footer ul{display:flex;flex-wrap:wrap;gap:var(--s2) var(--s5);list-style:none;margin:0;padding:0}.section{margin-top:var(--s7);padding-top:var(--s5);border-top:1px solid var(--line)}.section>:first-child{margin-top:0}.lede{font-size:var(--text-lede);color:var(--ink);margin-bottom:var(--s5)}.story-figure{font-size:1.5rem;font-weight:700;margin:var(--s4) 0}.hint{color:var(--ink-muted);font-size:var(--text-sm)}.btn{display:inline-flex;align-items:center;justify-content:center;gap:var(--s2);min-height:var(--tap);padding:var(--s3) var(--s5);border:2px solid var(--brand-bright);border-radius:var(--radius);background:var(--brand-bright);color:var(--ink-inverse);font-weight:600;text-decoration:none;cursor:pointer}.btn:hover{background:var(--brand-bright-hover);border-color:var(--brand-bright-hover)}.btn--secondary{background:var(--surface);color:var(--brand-bright)}.btn--secondary:hover{background:var(--surface-tint)}.btn:disabled{opacity:.55;cursor:not-allowed}.btn-row{display:flex;flex-wrap:wrap;gap:var(--s3);margin-top:var(--s5)}.cards{list-style:none;margin:var(--s5) 0;padding:0;display:grid;gap:var(--s3)}.cards li{margin:0;max-width:none}.card{display:block;padding:var(--s4) var(--s5);border:1px solid var(--line);border-left:4px solid var(--brand-bright);border-radius:var(--radius);background:var(--surface);text-decoration:none;color:inherit}.card:hover{background:var(--surface-tint);border-color:var(--brand-bright)}.card__title{display:block;font-weight:650;font-size:var(--text-h4);color:var(--brand-bright);text-decoration:underline;text-underline-offset:3px;margin-bottom:var(--s1)}.card__meta{color:var(--ink-muted);max-width:var(--measure)}.field{display:block;margin:0 0 var(--s5)}.field__label{display:block;font-weight:600;margin-bottom:var(--s1)}.field__hint{color:var(--ink-muted);font-size:var(--text-sm)}.field__error,.field__hint{display:block;margin-bottom:var(--s2)}.field__error{color:var(--critical);font-weight:600}.field input[type=date],.field input[type=text],.field select{width:100%;max-width:22rem;padding:var(--s2) var(--s3);border:2px solid var(--ink);border-radius:var(--radius);background:var(--surface)}.field input[aria-invalid=true]{border-color:var(--critical);border-width:3px}fieldset{border:0;margin:0 0 var(--s5);padding:0}legend{font-weight:600;padding:0}.choice,legend{margin-bottom:var(--s2)}.choice{display:flex;align-items:flex-start;gap:var(--s3);min-height:var(--tap);padding:var(--s2) var(--s3);border:2px solid var(--line-strong);border-radius:var(--radius);cursor:pointer}.choice:hover{background:var(--surface-sunk)}.choice--on,.choice:has(input:checked){border-color:var(--brand-bright);box-shadow:inset 0 0 0 1px var(--brand-bright);background:var(--surface-tint)}.callout{border-left:6px solid var(--brand-bright);background:var(--surface-sunk);padding:var(--s4) var(--s5);margin:var(--s5) 0;border-radius:0 var(--radius) var(--radius) 0}.callout>:last-child{margin-bottom:0}.callout--critical{border-left-color:var(--critical)}.callout--important{border-left-color:var(--important)}table{border-collapse:collapse;width:100%;margin:var(--s5) 0}td,th{text-align:left;padding:var(--s3);border-bottom:1px solid var(--line)}th{background:var(--surface-sunk)}caption,th{font-weight:600}caption{text-align:left;padding-bottom:var(--s2)}.scroll-x{overflow-x:auto}.scroll-x:focus-visible{outline:var(--focus);outline-offset:var(--focus-offset)}details{border:2px solid var(--line-strong);border-radius:var(--radius);padding:var(--s2) var(--s4);margin:var(--s5) 0}summary{min-height:var(--tap);display:flex;align-items:center;font-weight:600;cursor:pointer;padding:var(--s2) 0}.flag-group{border-left:6px solid var(--line-strong);padding-left:var(--s5);margin:var(--s6) 0}.flag-group--critical{border-left-color:var(--critical)}.flag-group--important{border-left-color:var(--important)}.flag-group--info{border-left-color:var(--brand-bright)}.flag-group__heading{margin-top:0;margin-bottom:var(--s1)}.flag-group--critical .flag-group__heading{color:var(--critical)}.flag-group--important .flag-group__heading{color:var(--important)}.flag-group__blurb{margin:0 0 var(--s5);color:var(--ink-muted);font-size:var(--text-sm)}.flag-item{margin-bottom:var(--s5)}.flag-item:last-child{margin-bottom:0}.flag-item__title{margin:0 0 var(--s1);font-size:var(--text-h4);font-weight:650}.flag-item__body{padding-left:var(--s4)}.flag-item__body>:last-child{margin-bottom:0}.flag-item__action,.flag-item__source{margin:var(--s2) 0 0;font-size:var(--text-sm)}.flush{margin:0}.flush-top{margin-top:0}.flush-bot{margin-bottom:0}.gap-sm{margin-top:var(--s2)}.gap-md{margin-top:var(--s3)}.gap-lg{margin-top:var(--s5)}.gap-xl{margin-top:var(--s6)}.muted{color:var(--ink-muted)}.small{font-size:var(--text-sm)}.big{font-size:var(--text-lede)}.nowrap{white-space:nowrap}.strong{font-weight:600}.row{display:flex;flex-wrap:wrap;gap:var(--s3)}.hero__figure{color:var(--brand);font-size:3rem;line-height:1.1;font-weight:700;margin:var(--s1) 0}.hero__figure .hero__unit{font-size:var(--text-h3);font-weight:600}.hero__annual{font-size:var(--text-h3);color:var(--brand);margin:0 0 var(--s3)}.hero--assumed{border:3px solid var(--brand);border-radius:var(--radius);padding:var(--s4) var(--s5);margin:var(--s5) 0}.hero--assumed .hero__figure{font-size:2.25rem;margin:0 0 var(--s1)}.hero--assumed .hero__unit{font-size:var(--text-h4)}.banner-critical{background:var(--critical);color:var(--ink-inverse);padding:var(--s3) 0}.banner-critical p{margin:0;max-width:none}.banner-critical a,.banner-critical p{color:var(--ink-inverse)}.callout__label{font-weight:700;margin:0 0 var(--s2)}.estimate{border:2px solid var(--line-strong);border-radius:var(--radius);padding:var(--s4) var(--s5);margin:var(--s5) 0}.estimate__figure{font-size:1.75rem;font-weight:700;margin:0 0 var(--s1)}.estimate__note{color:var(--ink-muted);margin:0 0 var(--s3)}.step-label{color:var(--ink-muted);margin:0}.table__rowlabel{font-weight:400}.table__note{margin-top:.25rem;font-size:var(--text-sm);color:var(--ink-muted)}.letters{list-style:none;padding:0;margin:0}.letters>li{margin:0 0 var(--s5)}.letter{border:1px solid var(--line);border-left:4px solid var(--brand);border-radius:6px;padding:var(--s4);background:var(--surface)}.letter__title{margin:0 0 var(--s1);font-size:var(--text-base)}.letter__why{margin:0 0 var(--s3);font-size:var(--text-sm)}.letter__body{margin:var(--s3) 0;padding:var(--s4);max-height:26rem;overflow:auto;white-space:pre-wrap;font:inherit;background:var(--surface-sunk);border:1px solid var(--line);border-radius:4px}.letter__body:focus-visible{outline:3px solid var(--focus);outline-offset:2px}.md-para{margin:0 0 var(--s3)}.md-para:last-child{margin-bottom:0}.backdating__figure{margin:.25rem 0;color:var(--brand);font-size:2.25rem;line-height:1.1;font-weight:700}.table__total{font-weight:700}.money-input{display:inline-flex;align-items:center;gap:var(--s2)}.money-input__prefix{font-weight:600}.share{margin:var(--s5) 0}.share__status{min-height:1.5rem;margin-top:var(--s2)}.next-steps li{margin-bottom:var(--s4)}.panel{border:2px solid var(--line-strong);border-radius:var(--radius);padding:var(--s4) var(--s5);margin:var(--s5) 0}.panel>:first-child{margin-top:0}.consent{position:fixed;inset:auto 0 0 0;z-index:40;background:var(--brand);color:var(--ink-inverse);border-top:4px solid var(--brand-bright);padding:var(--s4) 0}.consent__inner{display:grid;gap:var(--s4)}.consent__text p{margin:0 0 var(--s2);color:var(--ink-inverse);max-width:60ch}.consent__text p:last-child{margin-bottom:0}.consent__note{font-size:var(--text-sm)}.consent a{color:var(--ink-inverse)}.consent__actions{display:flex;flex-wrap:wrap;gap:var(--s3)}.consent__actions .btn{flex:1 1 14rem}@media (min-width:48rem){.consent__inner{grid-template-columns:1fr auto;align-items:center}.consent__actions .btn{flex:0 0 auto}}.consent-controls{border:2px solid var(--line-strong);border-radius:var(--radius);padding:var(--s4) var(--s5);margin:var(--s5) 0}.consent-controls p:first-child{margin-top:0}.consent-controls .hint{margin-bottom:0}@media print{@page{margin:15mm}:root{--text-base:11pt;--text-sm:11pt}body,html{font-size:11pt;background:#fff!important;color:#000!important}*,:after,:before{background:transparent!important;color:#000!important;box-shadow:none!important;text-shadow:none!important}.btn,.calculator-form,.print-hide,.site-footer,.site-header,.skip-link,[role=button],button,footer,input,nav,select,textarea{display:none!important}.print-show,details{display:block!important}details{border:1px solid #000!important;page-break-inside:avoid}details>summary{display:block!important;list-style:none;font-weight:700}details>summary::-webkit-details-marker{display:none}details>:not(summary){display:block!important;visibility:visible!important;height:auto!important;overflow:visible!important}.avoid-break,.citation-item,.flag-card,tbody tr,tfoot,thead{page-break-inside:avoid;break-inside:avoid}h1,h2,h3{page-break-after:avoid;break-after:avoid}a[href^=http]:after{content:" (" attr(href) ")";font-size:9pt;word-break:break-all}.no-print-url a[href^=http]:after{content:""}table{border-collapse:collapse;width:100%}td,th{padding:4pt 6pt}.callout,.flag-card,td,th{border:1px solid #000!important}.callout,.flag-card{border-left-width:3pt!important;padding:6pt 8pt}.wrap{padding:0}.wrap,li,p{max-width:none}li,p{orphans:3;widows:3}.print-only{display:block!important}}.print-only{display:none}