:root{--ink:#163541;--muted:#566b72;--paper:#faf9f5;--blue:#e4eef0;--line:#ccd6d6;--accent:#b7472f;--white:#fff}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:25px}body{margin:0;background:var(--paper);color:var(--ink);font:16px/1.65 Arial,Helvetica,sans-serif}h1,h2,h3,p,figure{margin:0}h1,h2,h3,.wordmark,.serif{font-family:Georgia,'Times New Roman',serif;font-weight:400}h1{font-size:clamp(3.2rem,6.2vw,6.3rem);line-height:1.03;letter-spacing:-.065em}h2{font-size:clamp(2.2rem,3.6vw,3.6rem);line-height:1.12;letter-spacing:-.045em}h3{font-size:1.7rem;line-height:1.2;letter-spacing:-.025em}a{color:inherit;text-underline-offset:5px}a:hover{color:var(--accent)}img{max-width:100%;display:block;height:auto}button,input{font:inherit}button,a,input,summary{-webkit-tap-highlight-color:transparent}a:focus-visible,button:focus-visible,input:focus-visible,summary:focus-visible{outline:3px solid var(--accent);outline-offset:4px}.wrap{width:min(1220px,calc(100% - 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var(--ink);padding-top:13px;margin-bottom:30px}.section-top{display:flex;justify-content:space-between;align-items:end;gap:40px;margin-bottom:32px}.section-top p{color:var(--muted);font-size:14px;max-width:340px}.scenarios{display:grid;grid-template-columns:repeat(3,1fr);gap:36px;margin-top:45px}.scenario{border-left:1px solid var(--line);padding-left:27px}.scenario:first-child{border-left:0;padding-left:0}.scene-number{color:var(--accent);font-size:12px;display:block;margin-bottom:20px}.scenario p{font-size:14px;color:var(--muted);margin:15px 0 18px}.text-link{font-size:12px;font-weight:700}.story-band{background:var(--blue);padding:70px 0}.story-split{display:grid;grid-template-columns:1.15fr 1fr;gap:70px;align-items:center}.story-split img{width:100%;height:410px;object-fit:cover}.story-split h2{font-size:clamp(2.5rem,4vw,4.3rem)}.story-split p{max-width:430px;color:var(--muted);margin:22px 0;font-size:15px}.button{display:inline-flex;justify-content:center;align-items:center;min-height:48px;padding:12px 23px;background:var(--ink);border:1px solid var(--ink);color:#fff;text-decoration:none;font-size:12px;font-weight:700;cursor:pointer}.button:hover{background:var(--accent);color:#fff;border-color:var(--accent)}.button.secondary{color:var(--ink);background:transparent}.button.secondary:hover{background:var(--blue)}.story-list{display:grid;grid-template-columns:1fr 1fr;gap:70px}.story-item{padding:27px 0;border-bottom:1px solid var(--line);display:grid;grid-template-columns:85px 1fr;gap:25px}.story-item:first-child{border-top:1px solid var(--line)}.story-item .topic{font-size:10px;letter-spacing:.09em;text-transform:uppercase;color:var(--muted);padding-top:6px}.story-item h3{font-size:26px}.story-item h3 a{text-decoration:none}.story-item p{font-size:14px;color:var(--muted);margin-top:12px}.small-photo img{width:100%;height:360px;object-fit:cover}.small-photo figcaption{font-size:10px;color:var(--muted);margin-top:13px}.quote-line{padding:35px 0 0;font-family:Georgia,serif;font-size:28px;line-height:1.35;max-width:450px}.tool-banner{background:var(--ink);color:#fff;padding:50px 0}.tool-banner .wrap{display:grid;grid-template-columns:1.3fr 1fr auto;align-items:center;gap:50px}.tool-banner h2{font-size:37px}.tool-banner p{font-size:13px;color:#c7d7dc}.tool-banner .button{background:var(--paper);color:var(--ink);border-color:var(--paper)}.editor-note{padding:50px 0;display:grid;grid-template-columns:200px 1fr;gap:65px}.editor-note h2{font-size:25px}.editor-note p{font-size:13px;color:var(--muted);max-width:730px}.footer{border-top:1px solid var(--line);padding:40px 0 22px}.footer-top{display:flex;justify-content:space-between;gap:35px;align-items:start;margin-bottom:35px}.footer nav{display:flex;gap:22px;font-size:12px;flex-wrap:wrap}.footer-bottom{border-top:1px solid var(--line);padding-top:19px;display:flex;justify-content:space-between;gap:35px;color:var(--muted);font-size:10px}.footer-bottom p{max-width:600px}.article-top{padding:38px 0 45px;max-width:880px;margin:auto;text-align:center}.breadcrumbs{font-size:11px;color:var(--muted);margin-bottom:34px}.article-top h1{font-size:clamp(3rem,5.5vw,5.2rem)}.deck{font-size:17px;color:var(--muted);max-width:670px;margin:23px auto 0;line-height:1.8}.byline{font-size:10px;text-transform:uppercase;letter-spacing:.09em;margin-top:25px}.article-cover{width:100%;height:430px;object-fit:cover;margin-bottom:35px}.article-body{width:min(740px,100%);margin:0 auto;padding:10px 0 70px}.contents{background:var(--blue);padding:25px 30px;margin-bottom:40px}.contents strong{font-size:10px;text-transform:uppercase;letter-spacing:.13em}.contents nav{display:flex;flex-wrap:wrap;gap:8px 25px;margin-top:15px;font-size:12px}.prose section{margin:0 0 40px}.prose h2{font-size:32px;margin-bottom:17px}.prose 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fieldset{border:0;padding:0;margin:0;min-width:0}.calculator legend{font-family:Georgia,serif;font-size:29px;padding:0 0 22px}.calc-label{display:flex;align-items:center;justify-content:space-between;gap:20px;margin-bottom:14px;font-size:13px}.money-input{display:flex;align-items:center;gap:10px;background:var(--paper);border:1px solid var(--line);padding-left:12px;width:135px;flex-shrink:0}.money-input input{width:98px;min-height:42px;background:transparent;border:0;padding:8px;color:var(--ink);font-size:15px}.calc-actions{display:flex;gap:12px;flex-wrap:wrap;border-top:1px solid var(--line);padding-top:25px;margin-top:20px}.calc-result{margin-top:27px;padding:25px;background:var(--blue);min-height:110px}.calc-result h2{font-size:28px;margin-bottom:15px}.calc-result p{font-size:14px}.totals{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin:15px 0}.total-label{display:block;font-size:11px;letter-spacing:.06em;text-transform:uppercase}.total-value{font-size:35px;font-family:Georgia,serif;display:block}.calc-error{color:#a42e25;font-size:14px;margin-top:20px}.calc-disclaimer{font-size:12px;color:var(--muted);margin-top:20px}.source-item{padding:17px 0;border-bottom:1px solid var(--line)}.source-item small{display:block;font-size:12px;color:var(--muted);margin-top:5px}.empty-page{padding:100px 0;text-align:center}.empty-page p{margin:25px auto;max-width:450px;color:var(--muted)}[hidden]{display:none!important}
@media(max-width:1000px){.wrap{width:calc(100% - 48px)}.main-nav{gap:20px}.story-split{gap:40px}.story-list{gap:40px}.tool-banner .wrap{grid-template-columns:1fr 1fr;gap:25px}.tool-banner .button{grid-column:2}.hero-heading h1{font-size:5rem}.hero-photo>img{height:400px}}
@media(max-width:760px){.wrap{width:calc(100% - 36px)}.masthead{padding:22px 0;gap:15px}.wordmark{font-size:26px}.wordmark em{font-size:29px}.main-nav{display:none}.mobile-menu{display:block;position:relative}.mobile-menu summary{font-size:12px;cursor:pointer;list-style:none;border:1px solid var(--line);padding:8px 13px}.mobile-menu summary::-webkit-details-marker{display:none}.mobile-menu nav{position:absolute;right:0;top:50px;background:var(--paper);border:1px solid var(--line);width:240px;padding:15px 20px;z-index:9;box-shadow:0 10px 30px #16354118}.mobile-menu nav a{display:block;font-size:14px;padding:12px 0;border-bottom:1px solid var(--line);text-decoration:none}.issue-line{font-size:8px;letter-spacing:.1em;gap:20px;margin-top:16px}.hero-heading{padding:35px 0 30px}.hero-heading h1{font-size:3.55rem;line-height:1.05}.hero-heading p{font-size:14px;margin-top:20px}.hero-photo>img{height:360px;object-position:50% 50%}.hero-photo figcaption{width:270px;padding:20px 22px}.hero-photo figcaption a{font-size:21px}.hero-note{font-size:9px;gap:20px;line-height:1.6}.section{padding:48px 0}.section-top{display:block}.section-top p{margin-top:20px;max-width:100%}.scenarios{grid-template-columns:1fr;gap:25px;margin-top:30px}.scenario,.scenario:first-child{border-left:0;border-top:1px solid var(--line);padding:25px 0 0;display:grid;grid-template-columns:35px 1fr;gap:0 18px}.scene-number{grid-row:1/4;margin-top:6px}.scenario h3{font-size:26px}.scenario p{margin:12px 0}.story-band{padding:40px 0}.story-split{grid-template-columns:1fr;gap:30px}.story-split img{height:310px}.story-split h2{font-size:2.7rem}.story-list{grid-template-columns:1fr;gap:35px}.story-item{grid-template-columns:60px 1fr;gap:20px}.story-item h3{font-size:25px}.small-photo img{height:300px}.quote-line{font-size:25px}.tool-banner{padding:38px 0}.tool-banner .wrap{grid-template-columns:1fr;gap:20px}.tool-banner .button{grid-column:auto;justify-self:start}.editor-note{grid-template-columns:1fr;gap:20px;padding:35px 0}.footer-top,.footer-bottom{display:block}.footer nav{margin-top:25px;gap:15px 20px}.footer-bottom p+p{margin-top:15px}.article-top{padding:28px 0 35px}.breadcrumbs{margin-bottom:25px;font-size:10px}.article-top h1{font-size:3.4rem}.deck{font-size:15px;line-height:1.8}.article-cover{height:280px}.article-body{padding-bottom:40px;min-width:0}.contents{padding:22px}.prose h2{font-size:29px}.prose p,.prose li{font-size:14px}.calculator{padding:23px 18px}.calc-columns{grid-template-columns:1fr;gap:30px}.calculator legend{font-size:27px}.calc-label{font-size:12px}.money-input{width:120px}.money-input input{width:85px}.calculator-intro{font-size:13px}.totals{gap:15px}.total-value{font-size:30px}.empty-page{padding:70px 0}}
@media(max-width:380px){.wordmark{font-size:23px}.wordmark em{font-size:26px}.hero-heading h1{font-size:3.1rem}.article-top h1{font-size:2.9rem}.hero-photo figcaption{width:250px}.hero-photo>img{height:330px}.money-input{width:110px}.money-input input{width:77px}.calc-label{gap:12px}.calc-result{padding:20px 15px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
.layers-photo{object-position:28% 50%}.restaurant-photo{object-position:50% 72%}
.totals{display:flex;flex-wrap:wrap}.totals>div{flex:1 1 150px;min-width:0}.total-value{overflow-wrap:anywhere}