:root{--ink: #1c1a17;--ink-soft: #4a463f;--ink-faint: #8a8478;--paper: #f4f1ea;--card: #fbf9f4;--line: #e3ddd0;--line-soft: #ece7dc;--blue: #1f4ed8;--blue-deep: #16329c;--blue-tint: #e7ecfb;--rate-strong: #1f7a55;--rate-mid: #b5862b;--rate-weak: #b23b3b;--display: "Fraunces", Georgia, "Times New Roman", serif;--sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;--mono: "IBM Plex Mono", "SFMono-Regular", "Consolas", monospace;--r: 10px;--r-sm: 6px}*{box-sizing:border-box;margin:0;padding:0}html{-webkit-text-size-adjust:100%}body{background:var(--paper);color:var(--ink);font-family:var(--sans);line-height:1.5;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}::selection{background:var(--blue-tint)}.wrap{max-width:1080px;margin:0 auto;padding:0 24px}@media(min-width:768px){.wrap{padding:0 32px}}input[type=number]{-moz-appearance:textfield}input::-webkit-outer-spin-button,input::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}nav{position:sticky;top:0;z-index:50;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;padding:16px 24px;border-bottom:1px solid var(--line);background:#f4f1ead9;-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px)}@media(min-width:768px){nav{padding:18px 32px}}.logo{font-family:var(--display);font-size:22px;font-weight:700;letter-spacing:-.5px}.logo span{color:var(--blue)}a.logo{color:var(--ink);text-decoration:none;cursor:pointer}a.logo:hover{opacity:.85}.nav-links{order:3;flex-basis:100%;display:flex;justify-content:center;gap:20px;font-size:14px;color:var(--ink-soft);margin-top:14px;padding-top:12px;border-top:1px solid var(--line)}@media(min-width:720px){.nav-links{order:0;flex-basis:auto;margin:0;padding:0;border:none;gap:26px}}.nav-links a{color:inherit;text-decoration:none;cursor:pointer;transition:color .15s}.nav-links a:hover{color:var(--ink)}.nav-links a.active{color:var(--blue);font-weight:600}.ticker{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:var(--card);overflow:hidden;white-space:nowrap}.ticker-track{display:inline-flex;align-items:center;will-change:transform;animation:tickerScroll 210s linear infinite}.ticker:hover .ticker-track{animation-play-state:paused}.ticker-item{display:inline-flex;align-items:baseline;gap:9px;padding:9px 18px;border-right:1px solid var(--line-soft);font-size:13px}.tk-name{font-weight:600;color:var(--ink)}.tk-meta{font-family:var(--mono);font-size:11px;letter-spacing:.5px;text-transform:uppercase;color:var(--ink-faint)}.tk-brand{color:var(--ink-soft);font-size:13px}.tk-val{font-family:var(--mono);font-weight:600;color:var(--ink)}.tk-tag{font-family:var(--mono);font-size:11px;font-weight:700;letter-spacing:.3px}.tk-tag.up{color:var(--rate-strong)}.tk-tag.down{color:var(--rate-weak)}.tk-tag.new{color:var(--blue)}@keyframes tickerScroll{0%{transform:translate(0)}to{transform:translate(-50%)}}.btn{background:var(--blue);color:#fff;border:none;padding:11px 20px;border-radius:var(--r-sm);font-size:14px;font-weight:600;cursor:pointer;font-family:var(--sans);transition:background .15s,transform .12s;line-height:1}.btn:hover{background:var(--blue-deep)}.btn:active{transform:translateY(1px)}.btn:disabled{background:var(--line);color:var(--ink-faint);cursor:not-allowed;transform:none}.btn-ghost{background:transparent;color:var(--ink);border:1px solid var(--line)}.btn-ghost:hover{background:var(--card);border-color:var(--ink-faint)}.btn-lg{padding:14px 26px;font-size:15px}.hero{padding:56px 0 40px}@media(min-width:768px){.hero{padding:80px 0 56px}}.eyebrow{font-family:var(--mono);font-size:12px;letter-spacing:1.5px;text-transform:uppercase;color:var(--blue);margin-bottom:18px}.hero h1{font-family:var(--display);font-weight:600;font-size:clamp(38px,7vw,64px);line-height:1.03;letter-spacing:-1.5px;max-width:760px;margin-bottom:22px}.hero h1 em{font-style:normal;color:var(--blue)}.hero p{font-size:clamp(17px,2.4vw,20px);color:var(--ink-soft);max-width:560px;margin-bottom:30px}.hero-cta{display:flex;flex-wrap:wrap;gap:12px}.score-card{margin-top:48px;background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:24px;display:grid;grid-template-columns:1fr;gap:32px;align-items:center}@media(min-width:720px){.score-card{grid-template-columns:270px 1fr;gap:44px;padding:36px}}.score-label{font-family:var(--mono);font-size:12px;letter-spacing:1px;text-transform:uppercase;color:var(--ink-faint);margin-bottom:6px}.score-name{font-family:var(--display);font-size:21px;font-weight:600;margin-bottom:16px}.score-big{font-family:var(--mono);font-size:clamp(54px,11vw,76px);font-weight:700;letter-spacing:-2px;line-height:1;color:var(--ink)}.score-big .unit{font-size:.4em;color:var(--ink-faint);margin-left:2px}.score-delta{font-family:var(--mono);font-size:15px;margin-top:10px;color:var(--rate-strong)}.score-range{font-family:var(--mono);font-size:13px;color:var(--ink-soft);margin-top:14px}.score-chips{margin-top:16px;display:flex;flex-wrap:wrap;gap:8px}.dist-label{font-family:var(--mono);font-size:12px;letter-spacing:1px;text-transform:uppercase;color:var(--ink-faint);margin-bottom:16px}.bar-row{display:grid;grid-template-columns:92px 1fr 64px;align-items:center;gap:12px;margin-bottom:11px;font-size:13px}.bar-track{background:var(--line-soft);border-radius:3px;height:22px;overflow:hidden}.bar-fill{background:var(--blue-tint);height:100%;border-right:3px solid var(--blue);transform-origin:left}.bar-fill.you{background:var(--blue);border:none}.bar-grow{animation:barGrow .85s cubic-bezier(.22,.61,.36,1) both}.bar-val{font-family:var(--mono);text-align:right;color:var(--ink-soft)}.bar-label{color:var(--ink-soft)}.bar-label.you{color:var(--blue);font-weight:600}.proof{border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:40px 0;margin:64px 0;display:grid;grid-template-columns:1fr;gap:28px}@media(min-width:640px){.proof{grid-template-columns:repeat(3,1fr);gap:40px;margin:80px 0;padding:48px 0}}.stat-num{font-family:var(--mono);font-size:clamp(36px,5vw,44px);font-weight:700;letter-spacing:-1px;color:var(--blue)}.stat-label{font-size:14px;color:var(--ink-soft);margin-top:6px}.section{margin:64px 0}.section-title{font-family:var(--display);font-weight:600;font-size:clamp(26px,4vw,34px);letter-spacing:-.5px;margin-bottom:8px}.section-sub{color:var(--ink-soft);margin-bottom:26px;font-size:16px;max-width:600px}.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r)}table{width:100%;border-collapse:collapse;font-size:14px;min-width:520px}th{text-align:left;font-family:var(--mono);font-size:11px;letter-spacing:1px;text-transform:uppercase;color:var(--ink-faint);padding:13px 16px;border-bottom:1px solid var(--line);font-weight:600;background:var(--card)}td{padding:14px 16px;border-bottom:1px solid var(--line-soft)}tr:last-child td{border-bottom:none}tbody tr:hover td{background:var(--card)}tr.you-row td,tr.you-row:hover td{background:var(--blue-tint)}.td-name{font-weight:600}.td-val{font-family:var(--mono)}.chip{display:inline-block;font-family:var(--mono);font-size:11px;font-weight:700;letter-spacing:.5px;padding:3px 9px;border-radius:20px;white-space:nowrap;text-transform:uppercase}.chip.strong{background:#e3f1ea;color:var(--rate-strong)}.chip.mid{background:#f6eed9;color:var(--rate-mid)}.chip.weak{background:#f7e3e3;color:var(--rate-weak)}.chip.neutral{background:var(--blue-tint);color:var(--blue-deep);text-transform:none}.chip.muted{background:var(--line-soft);color:var(--ink-faint)}.form-shell{margin:64px 0}.form-card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:24px}@media(min-width:768px){.form-card{padding:36px}}.progress-head{display:flex;align-items:center;justify-content:space-between;margin-bottom:14px}.progress-step{font-family:var(--mono);font-size:13px;font-weight:600;color:var(--ink);letter-spacing:.3px}.progress-count{font-family:var(--mono);font-size:12px;letter-spacing:1px;color:var(--ink-faint)}.progress-track{height:6px;background:var(--line-soft);border-radius:20px;overflow:hidden}.progress-fill{height:100%;background:var(--blue);border-radius:20px;transition:width .45s cubic-bezier(.22,.61,.36,1)}.q-title{font-family:var(--display);font-weight:600;font-size:clamp(22px,3.4vw,30px);letter-spacing:-.5px;margin-top:28px;line-height:1.1}.q-hint{color:var(--ink-soft);font-size:14px;margin-top:8px}.q-body{margin-top:24px}.opt-grid{display:grid;gap:10px}.opt-grid.cols{grid-template-columns:repeat(auto-fill,minmax(130px,1fr))}.opt-grid.years{grid-template-columns:repeat(auto-fill,minmax(78px,1fr))}.opt-grid.two{grid-template-columns:1fr 1fr}.opt{position:relative;text-align:left;cursor:pointer;width:100%;background:var(--paper);border:1px solid var(--line);border-radius:var(--r-sm);padding:15px 16px;font-family:var(--sans);color:var(--ink);transition:border-color .15s,background .15s;display:flex;align-items:center;justify-content:space-between;gap:10px}.opt:hover{border-color:var(--ink-faint)}.opt.active{border-color:var(--blue);background:var(--blue-tint)}.opt-main{font-size:15px;font-weight:600}.opt-sub{font-size:12px;color:var(--ink-faint);margin-top:2px}.opt-tag{font-family:var(--mono);font-size:13px;font-weight:600;color:var(--ink-faint)}.opt.active .opt-tag{color:var(--blue)}.opt.center{justify-content:center}.opt.center .opt-main{font-family:var(--mono)}.opt:disabled{opacity:.5;filter:grayscale(.5);cursor:not-allowed;flex-direction:column;gap:6px}.opt:disabled:hover{border-color:var(--line);background:var(--paper)}.opt .soon{font-size:10px;padding:2px 8px}.field{width:100%;font-family:var(--sans);font-size:15px;color:var(--ink);background:var(--paper);border:1px solid var(--line);border-radius:var(--r-sm);padding:14px 16px;outline:none;transition:border-color .15s}.field::placeholder{color:var(--ink-faint)}select.field{-moz-appearance:none;appearance:none;-webkit-appearance:none;padding-right:40px;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath fill='none' stroke='%231f4ed8' stroke-width='1.75' stroke-linecap='round' d='M1 1.5l5 5 5-5'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center}.field:focus{border-color:var(--blue)}textarea.field{resize:vertical;min-height:84px}.social-field{display:flex;align-items:center;justify-content:space-between;gap:14px;background:var(--paper);border:1px solid var(--line);border-radius:var(--r-sm);padding:12px 16px;transition:border-color .15s}.social-field:focus-within{border-color:var(--blue)}.social-field .platform{display:flex;flex-direction:column}.social-field .platform b{font-size:14px;font-weight:600}.social-field .platform small{font-size:11px;color:var(--ink-faint);font-family:var(--mono);letter-spacing:.5px;text-transform:uppercase}.social-field input{width:150px;text-align:right;border:none;background:transparent;outline:none;font-family:var(--mono);font-size:18px;font-weight:600;color:var(--ink)}.social-field input::placeholder{color:var(--ink-faint);font-weight:400}.total-row{display:flex;align-items:center;justify-content:space-between;margin-top:12px;padding:13px 16px;border:1px dashed var(--line);border-radius:var(--r-sm)}.total-row span{font-size:14px;color:var(--ink-soft)}.total-row b{font-family:var(--mono);font-size:18px;color:var(--blue)}.spotlight-note{margin-top:14px;display:inline-flex;align-items:center;gap:6px;font-family:var(--mono);font-size:12px;color:var(--blue-deep);background:var(--blue-tint);padding:6px 12px;border-radius:20px}.wizard-nav{display:flex;align-items:center;justify-content:space-between;margin-top:30px;padding-top:22px;border-top:1px solid var(--line)}.link-back{background:none;border:none;cursor:pointer;font-family:var(--sans);font-size:14px;font-weight:600;color:var(--ink-soft);padding:8px 4px}.link-back:hover{color:var(--ink)}.link-back:disabled{opacity:.35;cursor:not-allowed}.result-head{display:flex;flex-direction:column;gap:6px;margin-bottom:22px}.breakdown{margin-top:28px}.bd-row{display:grid;grid-template-columns:130px 1fr 80px;align-items:center;gap:12px;margin-bottom:12px;font-size:13px}.bd-label{color:var(--ink-soft);display:flex;align-items:center;gap:8px}.bd-label b{font-weight:600;color:var(--ink)}.bd-label .reach{font-family:var(--mono);color:var(--ink-faint);font-size:12px}.bd-track{background:var(--line-soft);height:8px;border-radius:20px;overflow:hidden}.bd-fill{height:100%;background:var(--blue);border-radius:20px;transform-origin:left}.bd-val{font-family:var(--mono);text-align:right;color:var(--ink);font-weight:600}.result-cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:30px}.disclaimer{font-size:12px;color:var(--ink-faint);margin-top:18px}.how{display:grid;grid-template-columns:1fr;gap:20px}@media(min-width:760px){.how{grid-template-columns:repeat(3,1fr);gap:24px}}.how-step{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:26px}.how-num{font-family:var(--mono);font-size:13px;font-weight:700;color:var(--blue);letter-spacing:1px}.how-step h3{font-family:var(--display);font-weight:600;font-size:19px;margin:14px 0 8px;letter-spacing:-.3px}.how-step p{font-size:14px;color:var(--ink-soft);line-height:1.6}footer{border-top:1px solid var(--line);padding:32px 0 48px;color:var(--ink-faint);font-size:13px}.foot-grid{display:flex;flex-direction:column;gap:18px;justify-content:space-between}@media(min-width:640px){.foot-grid{flex-direction:row;align-items:center}}.foot-links{display:flex;flex-wrap:wrap;gap:22px}.foot-links a{color:var(--ink-soft);text-decoration:none}.foot-links a:hover{color:var(--ink)}.form-grid{display:grid;grid-template-columns:1fr;gap:18px}@media(min-width:640px){.form-grid{grid-template-columns:1fr 1fr}}.field-row{display:flex;flex-direction:column;gap:8px}.field-row.full{grid-column:1 / -1}.field-label{font-family:var(--mono);font-size:12px;letter-spacing:.5px;text-transform:uppercase;color:var(--ink-soft);font-weight:600}.field-label .req{color:var(--blue)}.field-error{font-size:12px;color:var(--rate-weak);font-family:var(--mono)}.field.invalid{border-color:var(--rate-weak)}.toggle-group{display:flex;flex-wrap:wrap;gap:8px}.toggle{font-family:var(--sans);font-size:13px;font-weight:600;cursor:pointer;background:var(--paper);border:1px solid var(--line);border-radius:20px;padding:8px 14px;color:var(--ink-soft);transition:border-color .15s,background .15s,color .15s}.toggle:hover{border-color:var(--ink-faint)}.toggle.on{border-color:var(--blue);background:var(--blue-tint);color:var(--blue-deep)}.match-row{display:grid;grid-template-columns:1fr auto;align-items:start;gap:14px;padding:14px 0;border-bottom:1px solid var(--line-soft)}.match-row:last-child{border-bottom:none}.m-name{font-weight:600;font-size:14px}.m-meta{font-size:12px;color:var(--ink-faint);font-family:var(--mono);margin-top:2px}.m-stats{font-family:var(--mono);font-size:12px;color:var(--ink-soft);margin-top:7px}.m-stats b{color:var(--ink);font-weight:600}.m-dot{color:var(--ink-faint);margin:0 6px}.m-right{display:flex;flex-direction:column;align-items:flex-end;gap:6px}.brand-cta{background:var(--ink);color:var(--paper);border-radius:var(--r);padding:40px 28px;margin:80px 0;text-align:center}@media(min-width:768px){.brand-cta{padding:56px 48px}}.brand-cta h2{font-family:var(--display);font-weight:600;font-size:clamp(26px,4vw,38px);letter-spacing:-.5px;margin-bottom:14px}.brand-cta p{color:#cfc9bd;max-width:540px;margin:0 auto 26px;font-size:16px}.btn-light{background:var(--paper);color:var(--ink)}.btn-light:hover{background:#fff}.success-card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:40px 28px;text-align:center}@media(min-width:768px){.success-card{padding:52px 48px}}.check{width:56px;height:56px;border-radius:50%;background:#e3f1ea;color:var(--rate-strong);display:flex;align-items:center;justify-content:center;font-size:28px;margin:0 auto 20px}.success-echo{display:flex;flex-wrap:wrap;gap:8px;justify-content:center;margin:20px 0 8px}@keyframes fadeUp{0%{opacity:0;transform:translateY(14px)}to{opacity:1;transform:none}}.fade-up{animation:fadeUp .7s cubic-bezier(.22,.61,.36,1) both}@keyframes stepIn{0%{opacity:0;transform:translate(var(--tx, 18px))}to{opacity:1;transform:none}}.step-anim{animation:stepIn .34s cubic-bezier(.22,.61,.36,1) both}@keyframes barGrow{0%{transform:scaleX(0)}to{transform:scaleX(1)}}@media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}}.scroll-target{scroll-margin-top:88px}.article-col{max-width:720px;margin:0 auto}.article-head{padding:56px 0 36px}@media(min-width:768px){.article-head{padding:72px 0 40px}}.kicker{font-family:var(--mono);font-size:12px;letter-spacing:1.5px;text-transform:uppercase;color:var(--blue);margin-bottom:22px}.article-title{font-family:var(--display);font-weight:700;font-size:clamp(38px,7vw,52px);line-height:1.06;letter-spacing:-1.5px;margin-bottom:24px}.standfirst{font-family:var(--display);font-size:clamp(20px,3vw,23px);line-height:1.5;color:var(--ink-soft);font-style:italic}.byline{font-family:var(--mono);font-size:12px;letter-spacing:.5px;color:var(--ink-faint);margin-top:28px;padding-top:20px;border-top:1px solid var(--line);text-transform:uppercase}.article-body{padding-bottom:40px}.article-body p{font-family:var(--display);font-size:19px;line-height:1.7;margin-bottom:26px;color:var(--ink)}.article-body p.lead-drop:first-letter{font-family:var(--display);font-size:64px;line-height:.8;float:left;padding:8px 12px 0 0;color:var(--blue);font-weight:700}.article-body h2{font-family:var(--display);font-weight:600;font-size:clamp(26px,4vw,32px);letter-spacing:-.5px;margin:52px 0 20px;line-height:1.15}.article-body strong{font-weight:700}.pull{font-family:var(--display);font-size:clamp(24px,3.4vw,28px);line-height:1.35;color:var(--blue);border-left:3px solid var(--blue);padding:8px 0 8px 28px;margin:44px 0;font-style:italic}.inline-stat{font-family:var(--mono);font-weight:700}.tldr{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:28px 32px;margin:8px 0 48px}@media(min-width:768px){.tldr{padding:32px 36px}}.tldr h3{font-family:var(--mono);font-size:12px;letter-spacing:1.5px;text-transform:uppercase;color:var(--ink-faint);margin-bottom:16px}.tldr p{font-family:var(--display);font-size:18px;line-height:1.6;margin-bottom:0}.tldr .term{font-family:var(--mono);color:var(--blue);font-weight:700}.examples{display:grid;grid-template-columns:1fr;gap:16px;margin:36px 0 44px}@media(min-width:640px){.examples{grid-template-columns:repeat(3,1fr)}}.ex{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:22px}.ex .who{font-family:var(--mono);font-size:11px;letter-spacing:.5px;text-transform:uppercase;color:var(--ink-faint);margin-bottom:10px}.ex .what{font-size:15px;line-height:1.45;margin-bottom:14px;color:var(--ink)}.ex .amt{font-family:var(--mono);font-size:24px;font-weight:700;color:var(--blue);letter-spacing:-.5px}.note{border:1px solid var(--line);border-left:3px solid var(--ink-faint);border-radius:var(--r-sm);padding:20px 24px;margin:40px 0;background:var(--card)}.note p{font-size:16px;line-height:1.6;margin-bottom:0;color:var(--ink-soft)}.note strong{color:var(--ink)}.article-cta{border-top:1px solid var(--line);margin-top:56px;padding:56px 0 40px;text-align:center}.article-cta h2{font-family:var(--display);font-weight:600;font-size:clamp(28px,4vw,34px);letter-spacing:-.5px;margin-bottom:12px}.article-cta p{font-size:18px;color:var(--ink-soft);margin-bottom:28px}