:root{--ink:#17372e;--muted:#596a64;--accent:#c45132;--accent-dark:#a94229;--cream:#f7f1e7;--paper:#fff;--line:#ded8ce;--green:#2f6d59;--shadow:0 14px 44px rgba(23,33,43,.07)}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:110px}body{margin:0;background:var(--paper);color:var(--ink);font-family:Arial,Helvetica,sans-serif;font-size:17px;line-height:1.65}a{color:var(--accent-dark);text-decoration-thickness:1px;text-underline-offset:3px}button,input,select{font:inherit}button,a,input,select,summary{touch-action:manipulation}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid var(--green);outline-offset:4px}button{cursor:pointer}h1,h2,h3,.brand{font-family:Georgia,'Times New Roman',serif;letter-spacing:-.035em}h1{font-size:clamp(2.3rem,4.3vw,4.5rem);line-height:1.04;margin:.45em 0 .35em;font-weight:600}h2{font-size:clamp(1.65rem,2.6vw,2.55rem);line-height:1.2;margin:0 0 22px;font-weight:500}h3{font-size:1.35rem;line-height:1.3;margin:28px 0 12px}p{margin:0 0 18px}strong{font-weight:700}.skip{position:fixed;top:-80px;left:15px;z-index:999;background:var(--paper);padding:12px 18px}.skip:focus{top:8px}.site-header{position:sticky;top:0;background:rgba(255,255,255,.98);z-index:30;border-bottom:1px solid var(--line)}.header-inner{max-width:1320px;margin:auto;padding:18px 32px;display:flex;align-items:center;gap:26px}.brand{display:flex;align-items:center;gap:12px;color:var(--ink);font-size:23px;font-weight:700;white-space:nowrap;text-decoration:none;line-height:1.05}.brand small{display:block;text-align:right;font-family:Georgia,serif;font-size:12px;letter-spacing:0;font-style:italic}.mark{font-family:Arial,sans-serif;font-size:40px;line-height:1;font-weight:900;letter-spacing:-12px;margin-right:10px}.mark span{color:var(--accent)}nav#primary-nav{display:flex;align-items:center;justify-content:center;gap:22px;flex:1;font-size:13px}#primary-nav>a{text-decoration:none;color:var(--ink)}.nav-group{position:relative}.nav-group summary{cursor:pointer;list-style:none;white-space:nowrap}.nav-group summary:after{content:'⌄';padding-left:7px}.nav-dropdown{position:absolute;top:35px;left:-16px;min-width:245px;background:white;border:1px solid var(--line);box-shadow:var(--shadow);padding:10px;border-radius:5px}.nav-dropdown a{display:block;padding:8px 10px;text-decoration:none;color:var(--ink)}.nav-dropdown a:hover{background:var(--cream)}.menu-toggle{display:none}.button{display:inline-flex;align-items:center;justify-content:center;gap:18px;background:var(--accent);color:#fff;border:1px solid var(--accent);border-radius:5px;min-height:46px;padding:12px 21px;font-size:15px;font-weight:700;text-decoration:none;line-height:1.3}.button:hover{background:var(--accent-dark)}.header-cta{font-size:13px;padding:11px 17px}.text-button{border:0;background:none;color:var(--muted);text-decoration:underline;padding:10px}.text-link{font-weight:700;text-decoration:none}.crumb{font-size:12px;color:var(--muted);max-width:1200px;margin:24px auto 0;padding:0 32px;display:flex;gap:10px;align-items:center}.crumb a{color:var(--muted)}main{max-width:1320px;margin:auto}.hero{padding:38px 80px 44px;background:linear-gradient(135deg,var(--cream),#fcfaf6);margin-top:16px}.hero-copy{max-width:840px}.eyebrow,.mini{text-transform:uppercase;letter-spacing:.19em;font-size:11px;font-weight:700;color:var(--muted);line-height:1.5}.lead{font-size:20px;line-height:1.55;max-width:740px;color:#35444f}.role-note{font-size:12px;color:var(--muted);margin-top:22px}.home-hero{display:grid;grid-template-columns:1.1fr 1fr;gap:44px;padding:50px 64px;align-items:start}.home-hero h1{font-size:clamp(3rem,4.2vw,4.2rem)}.home-hero .tool-panel{margin:0;max-width:100%;width:100%;padding:28px}.home-hero .tool-heading h2{font-size:26px}.home-hero .fields{grid-template-columns:1fr}.tool-panel{max-width:1120px;margin:36px auto 44px;padding:34px 38px;border:1px solid var(--line);border-radius:8px;background:var(--paper);box-shadow:var(--shadow)}.tool-heading{margin-bottom:24px}.tool-heading h2{margin:7px 0 10px}.tool-heading p{font-size:14px;color:var(--muted);max-width:750px}.fields{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px 20px}.fields label{display:flex;flex-direction:column;gap:7px;min-width:0}.fields label>span{font-size:12px;font-weight:700;line-height:1.45}input,select{width:100%;min-width:0;border:1px solid #b8bec2;background:white;border-radius:4px;min-height:47px;padding:10px 11px;color:var(--ink);font-size:15px}.fields label.check{grid-column:1/-1;flex-direction:row;align-items:start;gap:10px}.check input{width:18px;min-height:18px;height:18px;margin:3px 0 0}.check span{font-weight:400!important;font-size:14px!important}.budget-options{grid-column:1/-1;border-top:1px solid var(--line);padding-top:16px;margin-top:4px}.budget-options summary{font-size:14px;cursor:pointer;font-weight:700}.budget-options .fields{margin-top:18px}.tool-actions{display:flex;align-items:center;flex-wrap:wrap;gap:10px;margin:24px 0 20px}.tool-small{font-size:11px;line-height:1.6;color:var(--muted);margin:18px 0 0}.tool-result{background:var(--cream);padding:23px 24px;border-radius:5px;min-height:84px}.tool-result>p:last-child{margin-bottom:0}.tool-result p,.tool-result li{font-size:14px}.stats{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;margin-bottom:14px}.stat{padding:8px 0;min-width:0}.stat span{display:block;font-size:11px;color:var(--muted);line-height:1.4}.stat strong{display:block;font-family:Georgia,serif;font-size:25px;line-height:1.4;letter-spacing:-.03em;overflow-wrap:anywhere}.result-explanation{font-size:13px;color:#43515a}.result-link{display:inline-block;font-size:14px;font-weight:700;margin:12px 18px 3px 0}.budget-result{border-left:3px solid var(--green);padding:0 16px;margin:18px 0}.budget-result.negative{border-color:var(--accent)}.budget-result .stat strong{font-size:23px}.status-tag{display:inline-block;background:#ece5d8;border-radius:4px;padding:5px 10px;font-size:12px;margin:15px 0}.error{border-left:3px solid var(--accent);padding:12px;background:#fff0e9;font-size:14px}.page-jumps{display:flex;flex-wrap:wrap;gap:12px 20px;margin:20px 100px 38px;padding:0 0 20px;border-bottom:1px solid var(--line);font-size:12px}.page-jumps a{color:var(--muted)}.content-section{display:grid;grid-template-columns:70px 1fr;gap:20px;padding:42px 100px}.section-number{color:var(--accent);font-size:13px;font-weight:700;letter-spacing:.1em;padding-top:7px}.section-copy{max-width:890px}.section-copy p{font-size:16px;line-height:1.75;max-width:820px}.tinted{background:#fcfaf6}.table-wrap{max-width:100%;overflow-x:auto;margin:22px 0 26px;border:1px solid var(--line);border-radius:4px}table{width:100%;border-collapse:collapse;min-width:500px;font-size:13px;line-height:1.6}th,td{text-align:left;vertical-align:top;padding:13px 15px;border-bottom:1px solid var(--line);overflow-wrap:break-word}th{background:#ebe8e2;font-size:12px}tr:last-child td{border-bottom:0}td+td,th+th{border-left:1px solid var(--line)}.tool-result table{min-width:440px;font-size:12px}.tool-result th,.tool-result td{padding:10px}.schedule summary{font-size:13px;cursor:pointer;font-weight:700}.note{border-left:3px solid var(--accent);background:var(--cream);padding:20px 23px;margin:24px 0;font-size:14px}.citation{font-size:11px;display:inline;color:var(--green);white-space:normal}.action-steps{counter-reset:step;list-style:none;padding:0;margin:0 0 24px}.action-steps li{counter-increment:step;position:relative;padding:0 0 18px 35px;font-size:15px}.action-steps li:before{content:counter(step,decimal-leading-zero);position:absolute;left:0;top:2px;font-size:11px;font-weight:700;color:var(--accent)}.source-block{margin:34px 100px;padding:24px 30px;border:1px solid var(--line);background:#fafaf8}.source-block h2{font-size:21px;margin-bottom:12px}.source-block p,.source-block li{font-size:12px}.source-block ul{padding-left:18px;margin-bottom:0}.source-block li{padding-bottom:10px}.source-block li span{display:block;color:var(--muted);font-size:11px}.related{padding:44px 100px 62px}.related-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}.related-grid a{display:flex;flex-direction:column;gap:10px;padding:22px;border:1px solid var(--line);border-radius:5px;text-decoration:none;color:var(--ink)}.related-grid a:hover{background:var(--cream);border-color:#beb6a9}.related-grid span{font-size:9px;letter-spacing:.12em;color:var(--muted)}.related-grid strong{font-size:17px;font-family:Georgia,serif;line-height:1.35;font-weight:500}.related-grid b{margin-top:auto;color:var(--accent)}footer{padding:38px max(32px,calc((100vw - 1120px)/2));background:var(--ink);color:#e9ecec}.footer-top{display:flex;align-items:center;justify-content:space-between;gap:30px;margin-bottom:32px}.footer-top .brand{color:white}.footer-top p{font-family:Georgia,serif;font-size:23px;line-height:1.25;margin:0}.footer-links{display:flex;flex-wrap:wrap;gap:10px 22px;border-top:1px solid #3e4a54;padding-top:22px}.footer-links a{font-size:12px;color:#e9ecec}.footer-note{font-size:11px;line-height:1.75;color:#c1c9cf;margin:25px 0 16px;max-width:1050px}.copyright{font-size:10px;color:#aab3ba;margin:0}.mobile-bar{display:none}.result-list{padding-left:18px}.saved-scenarios h3{font-size:20px}
@media(max-width:1100px){.header-inner{padding:15px 24px;gap:20px}nav#primary-nav{gap:15px;font-size:12px}.brand{font-size:20px}.header-cta{padding:10px 12px}.hero{padding-left:52px;padding-right:52px}.content-section{padding:34px 55px;grid-template-columns:45px 1fr}.source-block,.page-jumps{margin-left:55px;margin-right:55px}.related{padding-left:55px;padding-right:55px}.tool-panel{margin-left:42px;margin-right:42px}.home-hero{padding:40px;gap:30px}.home-hero .tool-panel{margin:0}.fields{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:880px){.menu-toggle{display:block;margin-left:auto;background:white;border:1px solid var(--line);border-radius:4px;padding:9px 14px;font-size:13px}.header-inner{position:relative}.header-cta{display:none}nav#primary-nav{display:none;position:absolute;left:0;right:0;top:100%;padding:18px 24px;background:white;border-bottom:1px solid var(--line);max-height:75vh;overflow:auto}nav#primary-nav.open{display:block}#primary-nav>.nav-group,#primary-nav>a{display:block;padding:12px 0;font-size:15px}.nav-dropdown{position:static;box-shadow:none;border:0;padding:10px 0 0 12px}.home-hero{grid-template-columns:1fr}.home-hero .hero-copy{max-width:680px}.home-hero .fields{grid-template-columns:repeat(2,minmax(0,1fr))}.home-hero .fields label:last-child{grid-column:1/-1}.home-hero h1{font-size:3.6rem}.related-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:600px){body{font-size:16px;padding-bottom:70px}h1{font-size:2.65rem}h2{font-size:1.8rem}.header-inner{padding:14px 18px}.brand{font-size:20px}.mark{font-size:32px;letter-spacing:-10px}.crumb{padding:0 22px;margin-top:18px;font-size:10px}.hero,.home-hero{padding:28px 22px 34px;margin-top:12px;gap:25px}.home-hero h1{font-size:2.8rem}.lead{font-size:17px;line-height:1.6}.role-note{font-size:11px}.tool-panel{padding:24px 18px;margin:25px 14px 28px}.home-hero .tool-panel{padding:24px 18px}.tool-heading h2{font-size:24px}.tool-heading p{font-size:12px}.fields,.home-hero .fields{grid-template-columns:1fr;gap:15px}.home-hero .fields label:last-child{grid-column:auto}.fields label>span{font-size:12px}input,select{font-size:16px;min-height:48px}.tool-actions .button{width:100%;font-size:14px}.tool-result{padding:18px 15px}.stats{gap:10px}.stat strong{font-size:22px}.stat span{font-size:10px}.page-jumps{margin:16px 23px 22px;gap:10px 15px;font-size:11px}.content-section{padding:30px 23px;grid-template-columns:1fr;gap:8px}.section-number{font-size:11px;padding:0}.section-copy p{font-size:15px;line-height:1.75}.section-copy h2{margin-bottom:17px}.table-wrap{margin:18px 0 22px}table{font-size:12px;min-width:510px}th,td{padding:11px 12px}.note{padding:17px;font-size:13px}.source-block{margin:28px 23px;padding:21px 19px}.related{padding:27px 23px 40px}.related-grid{grid-template-columns:1fr}.related-grid a{padding:20px}.related-grid strong{font-size:18px}.footer-top{align-items:start;flex-direction:column;gap:22px}.footer-top p{font-size:23px}footer{padding:35px 23px}.footer-links{gap:14px 20px}.mobile-bar{display:flex;position:fixed;bottom:0;left:0;right:0;align-items:center;justify-content:space-between;gap:12px;background:#fff;border-top:1px solid var(--line);padding:10px 15px;z-index:25;padding-bottom:max(10px,env(safe-area-inset-bottom))}.mobile-bar span{font-size:10px;color:var(--muted)}.mobile-bar .button{font-size:12px;padding:11px 13px;min-height:43px}.budget-options .fields{grid-template-columns:1fr}.tool-result table{min-width:445px}.result-link{display:block;margin:16px 0 0}html{scroll-padding-top:90px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
@media print{body{padding:0;font-size:11px}.site-header,.mobile-bar,.page-jumps,.related,.skip,.menu-toggle,.tool-actions,.footer-links{display:none}.hero{background:white;margin:0;padding:15px 0}main{max-width:none}.crumb{padding:0}.content-section{padding:15px 0;grid-template-columns:30px 1fr;break-inside:avoid}.tool-panel{box-shadow:none;margin:15px 0;padding:15px}.source-block{margin:15px 0}.tool-result{background:#f4f4f4}.fields{grid-template-columns:repeat(3,minmax(0,1fr))}h1{font-size:30px}h2{font-size:22px}.section-copy p{font-size:11px}.table-wrap{overflow:visible}table{min-width:0;font-size:10px}footer{background:white;color:black;padding:15px 0}.footer-top .brand{color:black}.footer-note,.copyright{color:#444}a{color:inherit}.home-hero{display:block}}
.section-copy,.tool-panel,.tool-result,.fields>details{min-width:0}.source-block a{overflow-wrap:anywhere}.range-control{grid-column:1/-1}.range-control input[type=range]{padding:0;border:0;accent-color:var(--accent)}button:disabled{opacity:.65;cursor:not-allowed}



/* V5 visual-quality system: vector identity + consistent icon geometry */
body{-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;text-rendering:optimizeLegibility}
h1,h2,h3,.brand-lockup strong{font-family:"Iowan Old Style","Palatino Linotype",Palatino,Georgia,serif}
.premium-brand{display:inline-flex!important;align-items:center!important;gap:10px!important;min-width:0!important;width:auto!important;height:auto!important;overflow:visible!important;color:var(--ink)!important;text-decoration:none!important;line-height:1!important}
.brand-emblem{display:block;flex:0 0 auto;width:44px;height:52px;filter:drop-shadow(0 2px 3px rgba(12,37,30,.12))}
.brand-lockup{display:flex;min-width:0;flex-direction:column;justify-content:center;gap:4px;white-space:nowrap}
.brand-lockup strong{display:block;font-size:20px;line-height:.95;letter-spacing:-.035em;color:#16382f;font-weight:700}
.brand-lockup strong span{color:#b84f31;font-size:.68em;font-style:italic;margin-left:2px;letter-spacing:-.02em}
.brand-lockup small{display:block;font-family:Arial,Helvetica,sans-serif;font-size:6.5px;line-height:1;letter-spacing:.12em;color:#596c65;font-weight:800;text-transform:uppercase}
.footer-premium-brand .brand-lockup strong{color:#fff}
.footer-premium-brand .brand-lockup small{color:#bfcac5}
.footer-premium-brand .brand-emblem{width:42px;height:49px}
.site-header svg,.trust-icon,.why-icon svg{stroke-linecap:round;stroke-linejoin:round;vector-effect:non-scaling-stroke}
@media(max-width:1100px){.brand-emblem{width:40px;height:47px}.brand-lockup strong{font-size:18px}.brand-lockup small{font-size:6px}}
@media(max-width:760px){.brand-emblem{width:36px;height:42px}.brand-lockup strong{font-size:17px}.brand-lockup small{font-size:5.5px;letter-spacing:.1em}}

/* V9 heading: identity at readable, secondary scale; original product-led title remains prominent. */
.h1-brand-label{display:block;font-family:Arial,Helvetica,sans-serif;font-size:12px;font-weight:800;line-height:1.5;letter-spacing:.115em;text-transform:none;color:#547267;margin:0 0 10px}
.v6-hero-copy .h1-brand-label,.v6-apply-hero .h1-brand-label{color:#f7d1a9}
@media(max-width:600px){.h1-brand-label{font-size:11px;margin-bottom:9px}}