:root{font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif;color:#162733;background:#f5f8fa;font-synthesis:none}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0}a{color:#006e75}a:hover{text-decoration-thickness:2px}.shell{max-width:1110px;padding:0 26px;margin:auto}.top{background:#fff;border-bottom:1px solid #dbe6e9;position:sticky;top:0;z-index:3}.topinner{display:flex;justify-content:space-between;align-items:center;gap:22px;min-height:76px}.brand{font-size:21px;letter-spacing:-.6px;font-weight:800;color:#12363d;text-decoration:none;white-space:nowrap}.brand span:last-child{font-weight:500;color:#4f6570}.brandmark{display:inline-grid;place-items:center;background:#00757b;color:white;border-radius:11px;width:34px;height:34px;font-weight:800;margin-right:5px}.top nav{display:flex;gap:18px;flex-wrap:wrap}.top nav a{color:#4a636c;text-decoration:none;font-size:13px;font-weight:600}.hero{padding:68px 0 35px}.eyebrow,.step{color:#00767a;letter-spacing:1.8px;font-size:11px;font-weight:800}.hero h1{font-size:clamp(36px,6vw,58px);line-height:1.08;letter-spacing:-2px;max-width:820px;margin:16px 0}.hero h1 em{color:#00767a;font-style:normal}.hero p{font-size:17px;line-height:1.65;max-width:730px;color:#50636d}.quick{display:flex;flex-wrap:wrap;gap:10px;margin-top:26px}.quick a{padding:11px 14px;border-radius:9px;border:1px solid #cce1e3;background:#fff;text-decoration:none;font-weight:700;font-size:13px}.notice{padding:14px 17px;background:#eaf3f3;border-left:4px solid #00767a;color:#37555b;border-radius:7px;line-height:1.5;margin:5px 0 32px}.calc{scroll-margin-top:95px;background:#fff;border:1px solid #d9e4e7;border-radius:18px;padding:30px;margin-bottom:24px;box-shadow:0 4px 19px #15334406}.sectiontop{display:flex;justify-content:space-between;gap:18px}.sectiontop h2{font-size:27px;letter-spacing:-.65px;margin:6px 0 8px}.sectiontop p{color:#536772;line-height:1.6;margin:0 0 24px;max-width:760px}.reset{border:1px solid #d4e1e4;border-radius:8px;background:#fff;padding:10px 12px;align-self:start;white-space:nowrap;cursor:pointer;color:#345962;font-weight:650}.reset:hover{background:#e9f4f4}.formgrid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:17px 18px}.formgrid label{display:block;color:#2f4652;font-weight:700;font-size:12.5px;line-height:1.35}.formgrid input{display:block;width:100%;height:46px;border:1px solid #c6d6dc;border-radius:8px;background:white;color:#183039;font:500 16px inherit;font-size:16px;padding:0 12px;margin-top:8px}.formgrid input:focus-visible{outline:3px solid #87cccd;outline-offset:1px}.formgrid input[aria-invalid="true"]{border-color:#c0392b;background:#fff8f7}.error{font-size:13px;color:#b42318;min-height:18px;margin:8px 0}.output{background:#eff8f6;border:1px solid #ccebe6;border-radius:13px;padding:22px}.output>span{font-size:13px;color:#3d6561;font-weight:700}.output>strong{display:block;font-size:clamp(29px,4vw,41px);letter-spacing:-1px;color:#075b56;margin:6px 0 20px;font-variant-numeric:tabular-nums}.output>strong.negative{color:#ae3131}.results{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:13px}.metric{padding:12px 14px;border:1px solid #d4e8e6;border-radius:9px;background:#fff}.metric b{display:block;font-size:18px;margin-top:5px;font-variant-numeric:tabular-nums}.metric span{font-size:12px;color:#536b72}.insight{color:#466865;font-size:13px;line-height:1.55;margin:17px 0 0}details{margin-top:22px;border-top:1px solid #e0e8eb;padding-top:16px;color:#51636c;font-size:14px;line-height:1.65}summary{cursor:pointer;color:#244e55;font-weight:700}details p{margin-bottom:0}.method{padding:28px 0 58px}.method h2{font-size:26px;letter-spacing:-.6px}.methodgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:15px}.methodgrid article{background:white;border:1px solid #d9e5e8;border-radius:12px;padding:18px}.methodgrid h3{margin:0 0 7px}.methodgrid p,.small{color:#526770;font-size:13px;line-height:1.65}.small{margin-top:24px}footer{background:#fff;padding:24px 0;border-top:1px solid #e0e9ec;color:#60747c;font-size:12px}.skip{position:absolute;left:-9999px}.skip:focus{left:10px;top:10px;background:white;padding:15px;z-index:10}@media(max-width:780px){.top{position:static}.topinner{align-items:flex-start;flex-direction:column;padding-top:15px;padding-bottom:16px;gap:11px}.hero{padding:45px 0 26px}.formgrid,.methodgrid{grid-template-columns:repeat(2,minmax(0,1fr))}.sectiontop{flex-direction:column}.reset{margin-bottom:15px}.calc{padding:22px}}@media(max-width:520px){.shell{padding:0 16px}.formgrid,.methodgrid,.results{grid-template-columns:1fr}.hero h1{letter-spacing:-1px}.hero{padding-top:34px}.calc{padding:18px}.top nav{gap:11px}.top nav a{font-size:12px}}

/* Accessible controls, stable results and reduced motion. */
:focus-visible{outline:3px solid #137d86;outline-offset:4px}input,button,a,summary{-webkit-tap-highlight-color:transparent}button,summary{min-height:44px}nav a{display:inline-flex;align-items:center;min-height:44px}.hero{position:relative}.hero:after{content:'';position:absolute;right:0;top:55px;width:160px;height:160px;background:radial-gradient(circle,#c6e8dc 2px,transparent 3px);background-size:16px 16px;z-index:-1}.calc{border-top:3px solid #0a7776}.output{border-left:4px solid #147b70}.output>strong{min-height:50px}.quick a{display:inline-flex;align-items:center;min-height:44px}.faq{padding-bottom:20px}.faq details{background:#fff;border:1px solid #d9e5e8;padding:16px 20px;border-radius:10px;margin-top:12px}.faq summary{display:flex;align-items:center}.formgrid input{font-family:inherit;font-weight:500}.sectiontop h2{line-height:1.2}details[id]{scroll-margin-top:100px}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}@media(max-width:520px){.hero:after{display:none}.brand{font-size:20px}.output{padding:17px}.top nav{gap:0 14px}.sectiontop h2{font-size:25px}}

.breadcrumbs{display:flex;flex-wrap:wrap;gap:10px;font-size:13px;padding-top:22px;color:#526770}.toolhero{padding:32px 0 24px}.toolhero h1{font-size:clamp(32px,5vw,48px)}.toolcards{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}.directory{grid-template-columns:repeat(3,minmax(0,1fr));margin:0 0 40px}.toolcard{display:block;border:1px solid #cbdedf;border-top:3px solid #087676;background:#fff;border-radius:14px;padding:24px;text-decoration:none;scroll-margin-top:100px}.toolcard h2,.toolcard h3{font-size:23px;letter-spacing:-.6px;line-height:1.25;margin:14px 0}.toolcard h2 a{color:#16373d;text-decoration:none}.toolcard p{font-size:15px;color:#526770;line-height:1.65}.textlink{font-weight:700;display:inline-flex;align-items:center;min-height:44px}.reading{max-width:850px;margin:36px auto 48px;font-size:16px;line-height:1.8;color:#334e59}.reading h2{font-size:27px;line-height:1.3;letter-spacing:-.6px;color:#162f38;margin:32px 0 12px}.reading p{margin:12px 0 20px}.formula{font-family:ui-monospace,Consolas,monospace;font-size:14px;line-height:1.9;background:#eaf4f2;border-left:4px solid #147b70;border-radius:8px;padding:18px;overflow-wrap:anywhere}.reading table{width:100%;border-collapse:collapse;font-size:14px;line-height:1.6;margin:22px 0;table-layout:fixed}.reading caption{text-align:left;font-weight:700;padding:8px 0}.reading th,.reading td{text-align:left;border:1px solid #cddfe1;padding:12px;overflow-wrap:anywhere}.reading thead{background:#eaf4f2}.related{margin:40px 0 52px}.related h2{font-size:26px}.footerinner nav{display:flex;flex-wrap:wrap;gap:20px;margin-top:12px}.footerinner nav a{min-height:44px;display:inline-flex;align-items:center}.footerinner p{margin:8px 0 0}.top nav a[aria-current="page"]{color:#075e63;text-decoration:underline;text-underline-offset:5px}.calc .sectiontop h2{font-size:24px}@media(max-width:900px){.directory{grid-template-columns:1fr}.toolcard h2{font-size:25px}}@media(max-width:520px){.toolcards{grid-template-columns:1fr}.toolcard{padding:20px}.reading{font-size:16px;line-height:1.75}.reading h2{font-size:24px}.reading th,.reading td{padding:8px;font-size:12px}.formula{font-size:12px;padding:13px}.breadcrumbs{font-size:12px}.toolhero{padding:26px 0 20px}.top nav{gap:0 12px}}