.brand-mark[data-astro-cid-77qc4tpx]{width:72px;height:32px;color:var(--ink);flex:none}@media (width<=560px){.brand-mark[data-astro-cid-77qc4tpx]{width:54px;height:24px}}.theme-toggle[data-astro-cid-l6lhmie6]{border:1px solid var(--border-strong);min-height:42px;color:var(--ink);font:inherit;cursor:pointer;background:0 0;border-radius:8px;align-items:center;gap:8px;padding:0 14px;font-size:.92rem;display:inline-flex}.theme-toggle[data-astro-cid-l6lhmie6]:hover{border-color:var(--accent);color:var(--accent)}.theme-toggle[data-astro-cid-l6lhmie6] svg[data-astro-cid-l6lhmie6]{fill:none;stroke:currentColor;stroke-width:1.8px;stroke-linecap:round;stroke-linejoin:round;width:18px}.theme-toggle[data-astro-cid-l6lhmie6] .sun[data-astro-cid-l6lhmie6],html[data-theme=dark] .theme-toggle[data-astro-cid-l6lhmie6] .moon[data-astro-cid-l6lhmie6]{display:none}html[data-theme=dark] .theme-toggle[data-astro-cid-l6lhmie6] .sun[data-astro-cid-l6lhmie6]{display:block}@media (width<=720px){.theme-toggle[data-astro-cid-l6lhmie6]{justify-content:center;width:44px;padding:0}.theme-toggle[data-astro-cid-l6lhmie6] span[data-astro-cid-l6lhmie6]{clip:rect(0 0 0 0);width:1px;height:1px;position:absolute;overflow:hidden}}.site-header[data-astro-cid-nen7h5rs]{border-bottom:1px solid var(--border);background:color-mix(in srgb, var(--page) 94%, transparent);z-index:20;position:relative}.header-inner[data-astro-cid-nen7h5rs]{justify-content:space-between;align-items:center;gap:28px;width:min(100% - 48px,1340px);height:84px;margin:0 auto;display:flex}.brand[data-astro-cid-nen7h5rs]{color:var(--ink);letter-spacing:-.025em;white-space:nowrap;align-items:center;gap:12px;font-size:clamp(1rem,1.6vw,1.4rem);font-weight:750;text-decoration:none;display:inline-flex}.header-actions[data-astro-cid-nen7h5rs]{align-items:center;gap:20px;display:flex}nav[data-astro-cid-nen7h5rs]{align-self:stretch;gap:36px;display:flex}nav[data-astro-cid-nen7h5rs] a[data-astro-cid-nen7h5rs]{color:var(--ink);border-bottom:4px solid #0000;align-items:center;padding-top:4px;font-size:.98rem;text-decoration:none;display:flex}nav[data-astro-cid-nen7h5rs] a[data-astro-cid-nen7h5rs]:hover,nav[data-astro-cid-nen7h5rs] a[data-astro-cid-nen7h5rs].active{color:var(--accent);border-bottom-color:var(--accent)}.menu-toggle[data-astro-cid-nen7h5rs]{width:44px;height:44px;color:var(--ink);background:0 0;border:0;padding:9px;display:none}.menu-toggle[data-astro-cid-nen7h5rs] svg[data-astro-cid-nen7h5rs]{fill:none;stroke:currentColor;stroke-width:2px;stroke-linecap:round}@media (width<=880px){.header-inner[data-astro-cid-nen7h5rs]{width:min(100% - 32px,1340px);height:72px}.header-actions[data-astro-cid-nen7h5rs]{gap:8px}.menu-toggle[data-astro-cid-nen7h5rs]{display:block}nav[data-astro-cid-nen7h5rs]{background:var(--surface);border:1px solid var(--border);height:auto;box-shadow:var(--shadow);border-radius:12px;flex-direction:column;gap:0;padding:10px;display:none;position:absolute;top:64px;left:16px;right:16px}nav[data-astro-cid-nen7h5rs][data-open]{display:flex}nav[data-astro-cid-nen7h5rs] a[data-astro-cid-nen7h5rs]{border:0;border-radius:8px;width:100%;min-height:48px;padding:0 12px}nav[data-astro-cid-nen7h5rs] a[data-astro-cid-nen7h5rs]:hover,nav[data-astro-cid-nen7h5rs] a[data-astro-cid-nen7h5rs].active{background:var(--accent-soft)}}@media (width<=560px){.header-inner[data-astro-cid-nen7h5rs]{gap:8px;width:min(100% - 24px,1340px)}.brand[data-astro-cid-nen7h5rs]{gap:8px;font-size:.98rem}}.site-footer[data-astro-cid-jo6i4kqk]{border-top:1px solid var(--border)}.author-strip[data-astro-cid-jo6i4kqk]{align-items:center;gap:24px;min-height:118px;display:flex}.author-icon[data-astro-cid-jo6i4kqk]{border:2px solid var(--accent);width:64px;height:64px;color:var(--accent);border-radius:50%;place-items:center;font-size:1.5rem;display:grid}.author-strip[data-astro-cid-jo6i4kqk] strong[data-astro-cid-jo6i4kqk]{margin-bottom:6px;display:block}.author-strip[data-astro-cid-jo6i4kqk] p[data-astro-cid-jo6i4kqk]{color:var(--muted);margin:0}.footer-inner[data-astro-cid-jo6i4kqk]{border-top:1px solid var(--border);justify-content:space-between;align-items:center;gap:36px;min-height:138px;display:flex}.footer-brand[data-astro-cid-jo6i4kqk]{gap:10px;display:grid}.footer-brand[data-astro-cid-jo6i4kqk] a[data-astro-cid-jo6i4kqk]{color:var(--ink);align-items:center;gap:10px;font-weight:750;text-decoration:none;display:flex}.footer-brand[data-astro-cid-jo6i4kqk] small[data-astro-cid-jo6i4kqk]{color:var(--muted)}nav[data-astro-cid-jo6i4kqk]{flex-wrap:wrap;gap:28px;display:flex}nav[data-astro-cid-jo6i4kqk] a[data-astro-cid-jo6i4kqk]{color:var(--ink);font-size:.9rem;text-decoration:none}nav[data-astro-cid-jo6i4kqk] a[data-astro-cid-jo6i4kqk]:hover{color:var(--accent)}@media (width<=760px){.author-strip[data-astro-cid-jo6i4kqk],.footer-inner[data-astro-cid-jo6i4kqk]{flex-direction:column;align-items:flex-start;padding-block:32px}nav[data-astro-cid-jo6i4kqk]{gap:18px 24px}}@font-face{font-family:DM Sans Variable;font-style:normal;font-display:swap;font-weight:100 1000;src:url(/_astro/dm-sans-latin-ext-wght-normal.BOFOeGcA.woff2)format("woff2-variations");unicode-range:U+100-2BA,U+2BD-2C5,U+2C7-2CC,U+2CE-2D7,U+2DD-2FF,U+304,U+308,U+329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}@font-face{font-family:DM Sans Variable;font-style:normal;font-display:swap;font-weight:100 1000;src:url(/_astro/dm-sans-latin-wght-normal.Xz1IZZA0.woff2)format("woff2-variations");unicode-range:U+??,U+131,U+152-153,U+2BB-2BC,U+2C6,U+2DA,U+2DC,U+304,U+308,U+329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}@font-face{font-family:Manrope Variable;font-style:normal;font-display:swap;font-weight:200 800;src:url(data:font/woff2;base64,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)format("woff2-variations");unicode-range:U+460-52F,U+1C80-1C8A,U+20B4,U+2DE0-2DFF,U+A640-A69F,U+FE2E-FE2F}@font-face{font-family:Manrope Variable;font-style:normal;font-display:swap;font-weight:200 800;src:url(/_astro/manrope-cyrillic-wght-normal.Dvxsihut.woff2)format("woff2-variations");unicode-range:U+301,U+400-45F,U+490-491,U+4B0-4B1,U+2116}@font-face{font-family:Manrope Variable;font-style:normal;font-display:swap;font-weight:200 800;src:url(/_astro/manrope-greek-wght-normal.DL7QRZyv.woff2)format("woff2-variations");unicode-range:U+370-377,U+37A-37F,U+384-38A,U+38C,U+38E-3A1,U+3A3-3FF}@font-face{font-family:Manrope Variable;font-style:normal;font-display:swap;font-weight:200 800;src:url(/_astro/manrope-vietnamese-wght-normal.usUDDRr7.woff2)format("woff2-variations");unicode-range:U+102-103,U+110-111,U+128-129,U+168-169,U+1A0-1A1,U+1AF-1B0,U+300-301,U+303-304,U+308-309,U+323,U+329,U+1EA0-1EF9,U+20AB}@font-face{font-family:Manrope Variable;font-style:normal;font-display:swap;font-weight:200 800;src:url(/_astro/manrope-latin-ext-wght-normal.Ch3YOpNY.woff2)format("woff2-variations");unicode-range:U+100-2BA,U+2BD-2C5,U+2C7-2CC,U+2CE-2D7,U+2DD-2FF,U+304,U+308,U+329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}@font-face{font-family:Manrope Variable;font-style:normal;font-display:swap;font-weight:200 800;src:url(/_astro/manrope-latin-wght-normal.DHIcAJRg.woff2)format("woff2-variations");unicode-range:U+??,U+131,U+152-153,U+2BB-2BC,U+2C6,U+2DA,U+2DC,U+304,U+308,U+329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}:root{color-scheme:light;--page:#fff;--surface:#fff;--surface-subtle:#f7fbfb;--ink:#071735;--muted:#526176;--border:#dbe3e8;--border-strong:#aeb9c5;--accent:#078c8c;--accent-strong:#057676;--accent-soft:#e9f7f5;--success:#13824c;--saffron:#ec981f;--shadow:0 18px 44px #0c1f351c, 0 2px 6px #0c1f350f;--radius:14px;--wrap:1260px}html[data-theme=dark]{color-scheme:dark;--page:#07111f;--surface:#0d1b2a;--surface-subtle:#101f30;--ink:#f4f7fb;--muted:#afc0d2;--border:#213448;--border-strong:#42546a;--accent:#23b4b4;--accent-strong:#38c1c1;--accent-soft:#102f36;--success:#45c584;--saffron:#f2a93b;--shadow:0 18px 52px #0000003d}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:24px}body{background:var(--page);min-width:320px;color:var(--ink);text-rendering:optimizelegibility;margin:0;font-family:DM Sans Variable,system-ui,sans-serif;font-size:17px;line-height:1.6;transition:background-color .2s,color .2s}h1,h2,h3{letter-spacing:-.035em;margin:0;font-family:Manrope Variable,DM Sans Variable,system-ui,sans-serif;line-height:1.15}h1{font-size:clamp(2.35rem,5vw,4rem)}h2{font-size:clamp(1.7rem,3vw,2.5rem)}h3{letter-spacing:-.02em;font-size:1.12rem}p{margin:0 0 1.1rem}a{color:var(--accent-strong);text-underline-offset:3px}button,input{font:inherit}button,a{-webkit-tap-highlight-color:transparent}:focus-visible{outline:3px solid color-mix(in srgb, var(--accent) 40%, transparent);outline-offset:3px}.wrap{width:min(100% - 48px, var(--wrap));margin-inline:auto}.sr-only{clip:rect(0,0,0,0);white-space:nowrap;border:0;width:1px;height:1px;margin:-1px;padding:0;position:absolute;overflow:hidden}.skip-link{z-index:100;background:var(--ink);color:var(--page);padding:10px 14px;position:fixed;top:8px;left:8px;transform:translateY(-150%)}.skip-link:focus{transform:translateY(0)}.page-hero{text-align:center;padding:38px 0 28px}.page-hero h1{font-size:clamp(2.35rem,4vw,3.25rem)}.page-hero p{max-width:700px;color:var(--muted);margin:14px auto 0;font-size:1.16rem}.page-heading{padding:72px 0 46px}.page-heading p{max-width:760px;color:var(--muted);margin-top:16px;font-size:1.14rem}.calculator-shell{width:min(100% - 48px, var(--wrap));margin:0 auto}.calculator-form{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow);padding:34px 38px 20px}.date-row{grid-template-columns:minmax(0,1fr) 140px minmax(0,1fr);align-items:end;gap:28px;display:grid}.date-field{border:0;min-width:0;margin:0;padding:0}.date-field legend{margin-bottom:10px;padding:0;font-weight:700}.date-parts{grid-template-columns:.72fr 1fr 1.12fr;gap:10px;display:grid}.date-part{gap:6px;display:grid}.date-part span{color:var(--muted);text-transform:uppercase;letter-spacing:.05em;font-size:.78rem;font-weight:700}.date-part select{border:1px solid var(--border-strong);background:var(--surface);width:100%;min-width:0;min-height:62px;color:var(--ink);text-align:center;cursor:pointer;border-radius:9px;padding:0 10px;font-size:1.08rem;font-weight:650}.date-part select:focus{border-color:var(--accent);outline:3px solid color-mix(in srgb, var(--accent) 18%, transparent);outline-offset:1px}.date-field small{color:var(--muted);margin-top:9px;font-size:.9rem;font-weight:400;display:block}.swap-connector{border:1px solid var(--border-strong);background:var(--surface);width:52px;height:52px;color:var(--ink);z-index:1;cursor:pointer;border-radius:50%;place-self:center;position:relative}.swap-connector:before,.swap-connector:after{content:"";background:var(--border-strong);z-index:-1;width:48px;height:1px;position:absolute;top:50%}.swap-connector:before{right:100%}.swap-connector:after{left:100%}.swap-connector svg{fill:none;stroke:currentColor;stroke-width:1.8px;stroke-linecap:round;stroke-linejoin:round;width:24px}.form-error{color:var(--ink);background:#c943431a;border-left:3px solid #c94343;margin:16px 0 0;padding:10px 12px}.form-actions{border-top:1px solid var(--border);border-bottom:1px solid var(--border);grid-template-columns:1fr auto;align-items:center;gap:28px;margin-top:22px;padding:16px 0;display:grid}.button{border:1px solid var(--accent);cursor:pointer;border-radius:9px;min-height:56px;padding:0 24px;font-weight:650;transition:transform .15s,background-color .15s}.button:active{transform:translateY(1px)}.primary{background:var(--accent);color:#fff;justify-self:end;min-width:360px}.primary:hover{background:var(--accent-strong)}.secondary-actions{gap:14px;display:flex}.secondary{color:var(--ink);background:0 0}.secondary:hover{background:var(--accent-soft)}.result{text-align:center;padding:22px 0 0}.result-label{text-align:left;color:var(--success);align-items:center;gap:12px;display:flex}.result-label h2{letter-spacing:-.02em;font-family:DM Sans Variable,sans-serif;font-size:1.24rem}.check{border:2px solid var(--success);border-radius:50%;place-items:center;width:34px;height:34px;display:grid}.result-statement{margin:-8px 0 2px;font-weight:700}.result-value{color:var(--accent-strong);letter-spacing:-.04em;margin:0;font-family:Manrope Variable,sans-serif;font-size:clamp(2.25rem,5vw,4rem);font-weight:600}.result-value strong{font-size:1.25em}.result-totals{justify-content:center;gap:22px;margin:10px auto 14px;display:flex}.result-totals span{border:1px solid color-mix(in srgb, var(--success) 24%, var(--border));background:color-mix(in srgb, var(--success) 5%, var(--surface));border-radius:9px;min-width:250px;padding:11px 18px}.privacy-note{color:var(--muted);margin:0;font-size:.94rem}.method-section{border-top:1px solid var(--border);padding:64px 0}.method-intro{max-width:520px;margin-bottom:38px}.method-intro p{color:var(--muted);margin-top:12px}.method-steps{grid-template-columns:repeat(3,1fr);gap:54px;margin:34px 0 56px;display:grid;position:relative}.method-steps:after{content:"";background:var(--border-strong);height:2px;position:absolute;bottom:-26px;left:6%;right:6%}.method-step{grid-template-columns:48px 1fr;gap:16px;display:grid}.step-number{background:var(--accent);color:#fff;border-radius:50%;place-items:center;width:44px;height:44px;font:700 1.1rem Manrope Variable;display:grid}.method-step p{color:var(--muted);margin:7px 0 0;font-size:.96rem}.example-band{border-block:1px solid var(--border);grid-template-columns:1fr 1fr;align-items:end;gap:38px;padding:28px 52px;display:grid}.example-band small{color:var(--muted);font-weight:700;display:block}.example-band strong{color:var(--accent-strong);margin-top:8px;font:700 clamp(1.5rem,3vw,2.35rem) Manrope Variable;display:block}.method-note{text-align:center;color:var(--muted);grid-column:1/-1;margin:0;font-size:.94rem}.comparison-note{align-items:center;gap:24px;max-width:760px;padding:44px 38px 10px;display:flex}.comparison-icon{border:2px solid var(--accent);width:64px;height:64px;color:var(--accent);border-radius:50%;flex:none;place-items:center;font-size:1.4rem;display:grid}.comparison-note p{color:var(--muted);margin:6px 0 0}.guides-section{padding:66px 0 60px}.section-lede{color:var(--muted);margin:12px 0 26px}.guide-grid{counter-reset:guides;grid-template-columns:1fr 1fr;gap:0 72px;display:grid}.guide-link{counter-increment:guides;min-height:76px;color:var(--ink);border-bottom:1px solid var(--border);grid-template-columns:52px 1fr auto;align-items:center;gap:16px;font-weight:700;text-decoration:none;display:grid}.guide-link:before{content:counter(guides, decimal-leading-zero);color:var(--accent);font-family:Manrope Variable}.guide-link:after{content:"→";color:var(--accent);font-size:1.35rem}.guide-link:hover span{color:var(--accent)}.pillar-section{border-top:1px solid var(--border);background:var(--surface-subtle);padding:72px 0 78px}.pillar-layout{grid-template-columns:minmax(0,800px) 250px;justify-content:space-between;gap:72px;display:grid}.pillar-content{font-size:1.04rem}.pillar-header{border-bottom:1px solid var(--border);margin-bottom:38px;padding-bottom:28px}.pillar-header h2{max-width:740px}.pillar-header p{color:var(--muted);margin:16px 0 0;font-size:1.14rem}.pillar-content h3{margin:2.35rem 0 .75rem;font-size:clamp(1.35rem,2.2vw,1.75rem)}.pillar-content p,.pillar-content li{color:color-mix(in srgb, var(--ink) 88%, var(--muted))}.pillar-content li+li{margin-top:.55rem}.result-explainer{border:1px solid var(--border);border-radius:var(--radius);background:var(--border);grid-template-columns:1fr 1fr;gap:1px;margin:26px 0;display:grid;overflow:hidden}.result-explainer div{background:var(--surface);padding:18px 20px}.result-explainer span,.result-explainer strong{display:block}.result-explainer span{color:var(--muted);font-size:.88rem}.result-explainer strong{margin-top:3px}.pillar-nav{border-left:1px solid var(--border);align-self:start;padding-left:24px;position:sticky;top:28px}.pillar-nav strong{margin-bottom:12px;display:block}.pillar-nav a{color:var(--ink);padding:7px 0;font-size:.94rem;text-decoration:none;display:block}.pillar-nav a:hover{color:var(--accent)}.faq-section{background:var(--accent-soft);border-block:1px solid var(--border);padding:48px 0}.faq-layout{grid-template-columns:280px 1fr;gap:54px;display:grid}.faq-list details{border-bottom:1px solid var(--border-strong);padding:18px 0}.faq-list details:first-child{padding-top:0}.faq-list summary{cursor:pointer;justify-content:space-between;gap:20px;font-weight:700;list-style:none;display:flex}.faq-list summary::-webkit-details-marker{display:none}.faq-list summary:after{content:"⌄";color:var(--accent);font-size:1.5rem;line-height:1}.faq-list details[open] summary:after{transform:rotate(180deg)}.faq-list p{color:var(--muted);margin:10px 32px 0 0}.article-list{padding-bottom:76px}.article-list-item{border-bottom:1px solid var(--border);color:var(--ink);grid-template-columns:60px 1fr auto;align-items:start;gap:24px;padding:25px 0;text-decoration:none;display:grid}.article-list-item .index{color:var(--accent);font:700 1rem Manrope Variable}.article-list-item h2{margin-bottom:7px;font-size:clamp(1.2rem,2vw,1.55rem)}.article-list-item p{color:var(--muted);max-width:800px;margin:0}.article-list-item .arrow{color:var(--accent);font-size:1.5rem}.article-list-item:hover h2{color:var(--accent)}.breadcrumbs{color:var(--muted);padding-top:28px;font-size:.9rem}.breadcrumbs ol{flex-wrap:wrap;gap:9px;margin:0;padding:0;list-style:none;display:flex}.breadcrumbs li:not(:last-child):after{content:"/";color:var(--border-strong);margin-left:9px}.breadcrumbs a{color:var(--ink)}.article-header{max-width:1180px;padding:34px 0 26px}.article-header h1{max-width:880px}.standfirst{max-width:760px;color:var(--muted);margin:16px 0 18px;font-size:1.18rem}.article-meta{color:var(--muted);flex-wrap:wrap;gap:10px 24px;font-size:.9rem;display:flex}.article-meta span+span{border-left:1px solid var(--border);padding-left:24px}.article-grid{grid-template-columns:minmax(0,760px) 250px;justify-content:space-between;gap:72px;padding-bottom:76px;display:grid}.article-content{font-size:1.05rem}.article-content>:first-child{margin-top:0}.article-content h2{margin:2.2rem 0 .7rem;font-size:1.65rem}.article-content h3{margin:1.5rem 0 .5rem}.article-content p,.article-content ul,.article-content ol{color:color-mix(in srgb, var(--ink) 88%, var(--muted))}.article-content li+li{margin-top:.45rem}.article-content blockquote{border-left:3px solid var(--saffron);background:color-mix(in srgb, var(--saffron) 7%, var(--surface));margin:28px 0;padding:18px 22px}.article-content blockquote p{margin:0}.article-content code{background:var(--accent-soft);border-radius:4px;padding:.15em .35em}.tool-cta{border-left:3px solid var(--accent);background:var(--accent-soft);justify-content:space-between;align-items:center;gap:20px;margin:26px 0;padding:20px 22px;font-weight:700;text-decoration:none;display:flex}.formula{border-left:3px solid var(--accent);background:var(--accent-soft);color:var(--accent-strong);padding:18px 22px;font-weight:700}.toc{border-left:1px solid var(--border);align-self:start;padding-left:24px;position:sticky;top:28px}.toc strong{margin-bottom:12px;display:block}.toc a{color:var(--ink);padding:8px 0;text-decoration:none;display:block}.toc a:first-of-type{color:var(--accent)}.related{border-top:1px solid var(--border);margin-top:42px;padding-top:26px}.related-links{gap:10px;margin-top:14px;display:grid}.author-note{border-block:1px solid var(--border);color:var(--muted);margin-top:34px;padding:18px 0;font-size:.94rem}.prose-page{max-width:780px;padding-bottom:76px}.prose-page h2{margin:2rem 0 .7rem;font-size:1.6rem}.prose-page p,.prose-page li{color:var(--muted)}.contact-box{border:1px solid var(--border);border-radius:var(--radius);background:var(--surface-subtle);padding:24px}@media (width<=900px){.date-row{grid-template-columns:1fr;gap:18px}.swap-connector{margin:-4px 0}.swap-connector:before,.swap-connector:after{width:140px}.form-actions{grid-template-columns:1fr}.primary{justify-self:stretch;min-width:0}.secondary-actions{grid-template-columns:1fr 1fr;display:grid}.method-steps{grid-template-columns:1fr}.method-steps:after{display:none}.article-grid,.pillar-layout{grid-template-columns:1fr}.toc,.pillar-nav{display:none}}@media (width<=680px){body{font-size:16px}.wrap,.calculator-shell{width:min(100% - 28px, var(--wrap))}.page-hero{padding:50px 0 32px}.page-heading{padding:48px 0 34px}.calculator-form{padding:24px 20px 18px}.date-part select{min-height:58px;padding-inline:4px;font-size:.98rem}.result-label{margin-top:4px}.result-statement{margin-top:20px}.result-value{text-align:left;grid-template-columns:auto 1fr;justify-content:center;align-items:baseline;column-gap:8px;width:fit-content;margin-inline:auto;font-size:2rem;display:grid}.result-totals{flex-direction:column;gap:10px}.result-totals span{min-width:0}.method-section{padding-block:48px}.example-band{grid-template-columns:1fr;width:calc(100% + 28px);margin-left:-14px;padding:24px 14px}.method-note{text-align:left;grid-column:auto}.comparison-note{align-items:flex-start;padding-inline:0}.guide-grid{grid-template-columns:1fr}.pillar-section{padding:52px 0 58px}.pillar-header{margin-bottom:28px}.result-explainer{grid-template-columns:1fr}.faq-layout{grid-template-columns:1fr;gap:24px}.article-list-item{grid-template-columns:40px 1fr auto;gap:12px}.article-meta span+span{border-left:0;padding-left:0}.article-meta{display:grid}.breadcrumbs{padding-top:20px}.article-header{padding-top:26px}}@media (prefers-reduced-motion:reduce){*,:before,:after{scroll-behavior:auto!important;transition:none!important}}
