@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700&family=Libre+Caslon+Display&display=swap');
:root{--night:#101f3c;--midnight:#12254b;--royal:#254fa3;--gold:#f2c66d;--paper:#fff9ef;--ink:#182338;--muted:#526076;--line:#deded8;--display:'Libre Caslon Display',Georgia,serif;--body:'DM Sans',system-ui,sans-serif;scroll-behavior:smooth}*{box-sizing:border-box}body{margin:0;background:var(--paper);color:var(--ink);font:17px/1.65 var(--body)}a{color:var(--royal);text-underline-offset:4px}button,input,textarea{font:inherit}button,a,input,textarea{touch-action:manipulation}button{cursor:pointer}a:focus-visible,button:focus-visible,input:focus-visible,textarea:focus-visible{outline:3px solid #b27b16;outline-offset:5px}h1,h2,h3,p{margin-top:0}h1,h2,h3{font-family:var(--display);font-weight:400;line-height:1.05}h2{font-size:clamp(36px,4vw,58px);letter-spacing:-.025em}h3{font-size:32px;letter-spacing:-.02em}p{margin-bottom:20px}.container{width:min(1240px,calc(100% - 96px));margin-inline:auto}.eyebrow{font-size:11px;font-weight:700;letter-spacing:.18em;text-transform:uppercase;line-height:1.6}.gold{color:var(--gold)}.site-header{height:88px;background:var(--night);color:var(--paper);display:flex;align-items:center;justify-content:space-between;padding:0 4.4%;gap:30px;position:relative;z-index:10;border-bottom:1px solid #ffffff20}.brand{font-family:Georgia,serif;font-size:20px;letter-spacing:.14em;text-decoration:none;color:inherit;white-space:nowrap}.brand span{color:var(--gold);font-size:29px;vertical-align:middle;margin-left:10px}#main-nav{display:flex;align-items:center;gap:32px}#main-nav a{color:var(--paper);text-decoration:none;font-size:13px}#main-nav a:hover{color:var(--gold)}.nav-contact{border-left:1px solid #ffffff40;padding-left:30px}.menu-toggle{display:none}.hero{min-height:555px;background:linear-gradient(90deg,#07162a33,transparent),url('/assets/hero.png') 50% 50%/cover;position:relative;color:var(--paper)}.hero-inner{width:min(1240px,calc(100% - 96px));margin:auto;padding:68px 0 50px}.hero h1{font-size:clamp(64px,6.9vw,104px);letter-spacing:-.04em;line-height:.95;margin:27px 0}.hero-dek{font-size:18px;line-height:1.6;max-width:470px;color:#f6f5ee}.button{display:inline-flex;align-items:center;justify-content:center;gap:26px;padding:14px 25px;min-height:50px;border-radius:999px;font-size:14px;font-weight:600;text-decoration:none;transition:transform .16s,background .16s;border:1px solid transparent}.button span{font-size:21px;line-height:1}.primary{background:var(--royal);color:#fff;border-color:#7191d7}.primary:hover{background:#1d428b;transform:translateY(-2px)}.secondary{background:transparent;color:var(--royal);border-color:var(--royal)}.hero-note{display:flex;align-items:center;gap:13px;font-size:11px;letter-spacing:.04em;color:#e6dfd1;margin-top:30px}.hero-note span{color:var(--gold);font-size:23px}.image-credit{position:absolute;right:25px;bottom:18px;font-size:8px;letter-spacing:.17em;color:#ece8ddaa}.guides-section{padding-top:74px;padding-bottom:78px;scroll-margin-top:20px}.section-heading{display:flex;justify-content:space-between;align-items:flex-end;gap:35px}.section-heading h2{margin:14px 0 24px}.section-heading>p{font-size:14px;color:var(--muted);padding-bottom:9px;white-space:nowrap}.guide-filters{display:flex;gap:8px;margin:5px 0 26px;flex-wrap:wrap}.guide-filters button{border:1px solid #cdd1d7;background:transparent;border-radius:999px;padding:8px 18px;font-size:12px;color:var(--ink)}.guide-filters button.selected{background:var(--midnight);border-color:var(--midnight);color:var(--paper)}.guide-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px}.guide-card{border:1px solid #e5e1d8;border-radius:14px;overflow:hidden;background:#fffcf7;transition:transform .2s,box-shadow .2s;display:flex;flex-direction:column}.guide-card:hover{transform:translateY(-5px);box-shadow:0 15px 35px #12254b0b}.card-image{display:block;aspect-ratio:1.8;background-image:url('/assets/cards.png');background-size:300% 100%;position:relative}.card-image.left{background-position:left}.card-image.center{background-position:center}.card-image.right{background-position:right}.card-number{position:absolute;bottom:12px;left:16px;font-size:8px;letter-spacing:.15em;background:#12254be6;color:#fff9ef;padding:5px 8px;border-radius:2px}.card-copy{padding:24px;display:flex;flex:1;flex-direction:column}.card-copy .eyebrow{color:var(--royal);font-size:9px;margin-bottom:12px}.card-copy h3{margin-bottom:15px;line-height:1.1}.card-copy h3 a{color:var(--ink);text-decoration:none}.card-copy>p:not(.eyebrow){font-size:14px;color:var(--muted);line-height:1.6;flex:1}.text-link{display:inline-flex;gap:20px;align-items:center;font-size:13px;font-weight:600;text-decoration:none}.text-link span{margin-left:auto;font-size:22px}.compare-feature{display:grid;grid-template-columns:1fr 1fr;gap:100px;align-items:center;padding-top:40px;padding-bottom:110px}.feature-copy h2{font-size:clamp(44px,5vw,72px);margin:15px 0 25px}.feature-copy h2 em{font-weight:400;color:var(--royal)}.feature-copy>p:not(.eyebrow){max-width:440px;color:var(--muted);font-size:15px}.feature-copy .small{margin-top:15px;font-size:11px}.comparison-preview{border:1px solid #d4dce8;border-radius:18px;background:#edf2fc;padding:37px;transform:rotate(1.5deg);box-shadow:12px 15px 0 #e6e4dc66}.preview-top{display:flex;justify-content:space-between;align-items:center}.preview-top .eyebrow{font-size:9px}.star{color:var(--royal);font-size:40px}.comparison-preview h3{font-size:39px;margin:15px 0 25px}.example-line{display:flex;justify-content:space-between;align-items:center;gap:15px;border-top:1px solid #cbd4e2;padding:18px 0;font-size:14px}.example-line strong{font-size:20px;font-weight:600}.example-line small{display:block;font-size:10px;color:var(--muted)}.example-best{color:var(--royal)}.small{font-size:12px;line-height:1.6;color:var(--muted)}.comparison-preview>.small{margin:15px 0 0;font-size:10px}.method-band{background:var(--midnight);color:var(--paper);padding:65px 0}.method-grid{display:grid;grid-template-columns:70px 1.3fr 1fr;gap:40px;align-items:center}.large-star{font-size:72px;color:var(--gold)}.method-grid h2{font-size:44px;margin:12px 0 0}.method-grid p:not(.eyebrow){font-size:14px;color:#e6e8ef}.method-grid .text-link{color:var(--gold)}.last-note{text-align:center;padding:80px 0}.last-note h2{font-size:44px;margin:16px 0}.last-note>p:not(.eyebrow){color:var(--muted);font-size:14px}.last-note .button{margin-top:10px}footer{padding:45px 4.4% 35px;background:#f3eee3;border-top:1px solid var(--line)}.footer-top,.footer-bottom{display:flex;justify-content:space-between;align-items:center;gap:35px}.footer-top{border-bottom:1px solid #d8d5cc;padding-bottom:25px}.footer-top p{font-family:var(--display);font-size:25px;margin:0}.footer-bottom{padding-top:25px}.footer-bottom p{font-size:10px;color:var(--muted);margin:0}.footer-bottom nav{display:flex;gap:22px;flex-wrap:wrap}.footer-bottom a{font-size:11px;color:var(--ink);text-decoration:none}.article-masthead{background:var(--midnight);color:var(--paper);padding:30px 0 62px}.back-link{font-size:12px;color:#d7deec;text-decoration:none;display:inline-block;margin-bottom:40px}.article-masthead h1{font-size:clamp(48px,6vw,80px);letter-spacing:-.025em;max-width:900px;margin:20px 0}.article-masthead p:not(.eyebrow){font-size:19px;color:#dde5f4}.article-meta{font-size:9px;letter-spacing:.14em;margin-top:28px;color:#cbd5e9}.article-meta span{padding:0 15px;color:var(--gold)}.article-layout{display:grid;grid-template-columns:210px minmax(0,760px);gap:85px;padding-top:60px;padding-bottom:60px}.toc{align-self:start;position:sticky;top:30px;border-right:1px solid var(--line);padding-right:25px}.toc a{display:block;font-size:12px;text-decoration:none;line-height:1.5;padding:8px 0;color:var(--muted)}.toc a:hover{color:var(--royal)}.toc a.worksheet-link{font-weight:700;color:var(--royal)}.toc a.source-link{font-size:10px;margin-top:20px;border-top:1px solid var(--line);padding-top:20px}.article-body{font-size:17px;line-height:1.8;min-width:0}.article-body>p:first-of-type{background:#eaf0fa;padding:24px;border-radius:10px;font-size:19px;line-height:1.6}.summary-label{color:var(--royal);margin-bottom:14px}.article-body h2{font-size:38px;margin:42px 0 22px;scroll-margin-top:24px}.article-body h3{font-size:29px;margin:30px 0 20px}.article-body li{margin-bottom:14px}.article-body pre{font-size:15px;white-space:pre-wrap;overflow-wrap:anywhere}.article-body table{width:100%;border-collapse:collapse;font-size:13px}.article-body th,.article-body td{border:1px solid #d4d8dd;padding:12px;vertical-align:top;overflow-wrap:anywhere}.article-body figure{margin:20px 0;max-width:100%;overflow:auto}.article-body p:has(em){font-size:14px;color:var(--muted)}.funding-note{border-top:1px solid var(--line);margin-top:40px;padding-top:25px;display:flex;gap:18px;align-items:start}.funding-note>span{color:var(--royal);font-size:30px}.funding-note p{font-size:12px;color:var(--muted)}.related{padding-top:20px;padding-bottom:70px}.related .guide-grid{grid-template-columns:repeat(2,minmax(0,1fr));max-width:820px}.simple-page{padding:70px 0 90px;max-width:850px}.simple-page>h1{font-size:clamp(46px,6vw,76px);margin:20px 0 40px}.quote-lab{background:#edf2fc;border:1px solid #cdd7e7;padding:30px;border-radius:16px;margin:35px 0;scroll-margin-top:20px}.article-body .quote-lab h2{font-size:34px;margin:15px 0 20px}.quote-lab>p{font-size:14px}.quote-lab label{display:block;font-size:12px;font-weight:500}.quote-lab input:not([type=checkbox]),.quote-lab textarea{display:block;width:100%;margin:7px 0 20px;background:#fffdf8;border:1px solid #a8b6cb;border-radius:6px;color:var(--ink);padding:12px;font-size:14px;line-height:1.5;min-width:0}.stay-fields{display:grid;grid-template-columns:1fr 1fr;gap:16px}.quote-lab fieldset{border:0;padding:0;margin:0 0 20px;min-width:0}.quote-lab legend{font-size:11px;font-weight:700;letter-spacing:.08em;margin-bottom:10px}.quote-row{display:grid;grid-template-columns:1fr 160px;gap:20px;align-items:center;border-top:1px solid #cbd4e2;padding-top:15px}.quote-lab .eligible{font-size:14px}.eligible input{accent-color:var(--royal);width:17px;height:17px;margin-right:7px}.eligible .small{display:block;margin-left:28px;font-size:10px}.quote-result{background:var(--midnight);color:var(--paper);border-radius:8px;padding:18px;font-size:15px;line-height:1.5;margin-bottom:23px}.quote-lab .total-label{font-size:9px}.quote-lab .total-label input{margin-bottom:15px;font-size:18px}.worksheet-actions{display:flex;flex-wrap:wrap;gap:10px;align-items:center;margin:10px 0 16px}.worksheet-actions .button{font-size:11px;padding:11px 16px;min-height:44px}.plain-button{background:none;border:0;text-decoration:underline;font-size:11px;color:var(--royal);padding:10px}.quote-lab .small{font-size:11px}.skip{position:absolute;top:-100px;left:20px;background:var(--paper);color:var(--midnight);padding:15px;z-index:50}.skip:focus{top:10px}.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0,0,0,0)}[hidden]{display:none!important}
@media(min-width:1600px){.hero{min-height:660px}.hero-inner{padding-top:100px}.hero h1{font-size:112px}}
@media(max-width:1000px){.site-header{padding-inline:30px}.brand{font-size:16px}#main-nav{gap:20px}.container,.hero-inner{width:calc(100% - 60px)}.hero{min-height:520px}.hero h1{font-size:76px}.section-heading>p{display:none}.card-copy{padding:20px}.card-copy h3{font-size:28px}.compare-feature{gap:45px}.method-grid{grid-template-columns:1fr 1fr;gap:35px}.large-star{display:none}.article-layout{grid-template-columns:175px minmax(0,1fr);gap:40px}}
@media(max-width:700px){body{font-size:16px}.container,.hero-inner{width:calc(100% - 40px)}.site-header{height:73px;padding:0 20px}.brand{font-size:14px;letter-spacing:.1em}.brand span{font-size:22px;margin-left:5px}.menu-toggle{display:flex;align-items:center;gap:10px;background:transparent;border:0;color:var(--paper);padding:10px 0;font-size:12px}#main-nav{display:none;position:absolute;left:0;right:0;top:73px;padding:25px;background:var(--midnight);border-top:1px solid #ffffff40;box-shadow:0 15px 20px #0002}#main-nav.open{display:flex;align-items:stretch;gap:0;flex-direction:column}#main-nav a{padding:12px}.nav-contact{border-left:0!important}.hero{min-height:640px;background-position:64% center;background-image:linear-gradient(180deg,#07172be0 0%,#07172b96 40%,#07172b05 80%),url('/assets/hero.png')}.hero-inner{padding:38px 0 30px}.hero .eyebrow{font-size:8px;letter-spacing:.16em;max-width:240px}.hero h1{font-size:clamp(53px,14.4vw,80px);margin-top:25px;margin-bottom:23px}.hero-dek{font-size:15px;max-width:310px}.desktop-break{display:none}.hero .button{font-size:13px;margin-top:5px}.hero-note{font-size:9px;margin-top:24px}.image-credit{font-size:7px;right:15px;bottom:12px}.guides-section{padding:46px 0}.section-heading h2{font-size:40px;margin-top:13px}.section-heading .eyebrow{font-size:8px}.guide-filters{gap:7px;margin:0 0 24px}.guide-filters button{padding:8px 12px;font-size:10px}.guide-grid{grid-template-columns:1fr;gap:24px}.card-image{aspect-ratio:1.8}.card-copy{padding:23px}.card-copy h3{font-size:34px}.card-copy>p:not(.eyebrow){font-size:14px}.compare-feature{grid-template-columns:1fr;gap:35px;padding:30px 0 65px}.feature-copy h2{font-size:58px}.comparison-preview{padding:25px;transform:none}.comparison-preview h3{font-size:36px}.method-band{padding:45px 0}.method-grid{grid-template-columns:1fr;gap:25px}.method-grid h2{font-size:39px}.method-grid p{margin-bottom:15px}.last-note{padding:55px 0}.last-note h2{font-size:39px}.last-note .eyebrow{font-size:9px}.footer-top,.footer-bottom{align-items:flex-start;flex-direction:column;gap:20px}.footer-top p{font-size:24px}.footer-bottom nav{gap:18px}footer{padding:35px 20px}.article-masthead{padding:25px 0 40px}.back-link{margin-bottom:30px}.article-masthead h1{font-size:51px;margin-top:20px}.article-masthead p:not(.eyebrow){font-size:17px}.article-meta{font-size:8px;line-height:2}.article-meta span{padding:0 6px}.article-layout{display:block;padding-top:25px}.toc{position:static;padding:0 0 22px;border:0;border-bottom:1px solid var(--line);margin-bottom:27px;display:flex;flex-wrap:wrap;gap:4px 16px}.toc>.eyebrow{width:100%;margin-bottom:5px}.toc a{font-size:11px;padding:4px 0}.toc a.source-link{display:none}.article-body{font-size:16px}.article-body h2{font-size:34px}.article-body>p:first-of-type{padding:20px;font-size:18px}.quote-lab{padding:20px;margin-inline:-5px}.stay-fields{grid-template-columns:1fr;gap:0}.quote-row{grid-template-columns:1fr 120px;gap:12px}.quote-lab .eligible{font-size:12px}.quote-lab .total-label input{font-size:16px;padding:10px}.eligible .small{font-size:9px;margin-left:0}.related .guide-grid{grid-template-columns:1fr}.simple-page{padding:45px 0}.simple-page>h1{font-size:51px}}
@media(prefers-reduced-motion:reduce){:root{scroll-behavior:auto}*,*::before,*::after{transition:none!important;animation:none!important}.guide-card:hover,.primary:hover{transform:none}}

@media(max-width:700px){.hero{background-color:#07172b;background-size:100% 100%,auto 400px;background-position:center,78% bottom;background-repeat:no-repeat;background-image:linear-gradient(180deg,#07172b 0%,#07172b90 40%,#07172b00 70%),url('/assets/hero.png')}}

@media(max-width:700px){.hero h1{font-size:clamp(44px,14.4vw,80px)}.hero{background-image:linear-gradient(180deg,#07172b 0%,#07172b 42%,#07172b00 67%),url('/assets/hero.png')}}