@layer properties{@supports (((-webkit-hyphens:none)) and (not (margin-trim:inline))) or ((-moz-orient:inline) and (not (color:rgb(from red r g b)))){*,:before,:after,::backdrop{--tw-blur:initial;--tw-brightness:initial;--tw-contrast:initial;--tw-grayscale:initial;--tw-hue-rotate:initial;--tw-invert:initial;--tw-opacity:initial;--tw-saturate:initial;--tw-sepia:initial;--tw-drop-shadow:initial;--tw-drop-shadow-color:initial;--tw-drop-shadow-alpha:100%;--tw-drop-shadow-size:initial}}}@layer theme{:root,:host{--font-sans:ui-sans-serif, system-ui, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";--font-mono:ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace;--default-transition-duration:.15s;--default-transition-timing-function:cubic-bezier(.4, 0, .2, 1);--default-font-family:var(--font-sans);--default-mono-font-family:var(--font-mono)}}@layer base{*,:after,:before,::backdrop{box-sizing:border-box;border:0 solid;margin:0;padding:0}::file-selector-button{box-sizing:border-box;border:0 solid;margin:0;padding:0}html,:host{-webkit-text-size-adjust:100%;tab-size:4;line-height:1.5;font-family:var(--default-font-family,ui-sans-serif, system-ui, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji");font-feature-settings:var(--default-font-feature-settings,normal);font-variation-settings:var(--default-font-variation-settings,normal);-webkit-tap-highlight-color:transparent}hr{height:0;color:inherit;border-top-width:1px}abbr:where([title]){-webkit-text-decoration:underline dotted;text-decoration:underline dotted}h1,h2,h3,h4,h5,h6{font-size:inherit;font-weight:inherit}a{color:inherit;-webkit-text-decoration:inherit;text-decoration:inherit}b,strong{font-weight:bolder}code,kbd,samp,pre{font-family:var(--default-mono-font-family,ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace);font-feature-settings:var(--default-mono-font-feature-settings,normal);font-variation-settings:var(--default-mono-font-variation-settings,normal);font-size:1em}small{font-size:80%}sub,sup{vertical-align:baseline;font-size:75%;line-height:0;position:relative}sub{bottom:-.25em}sup{top:-.5em}table{text-indent:0;border-color:inherit;border-collapse:collapse}:-moz-focusring{outline:auto}progress{vertical-align:baseline}summary{display:list-item}ol,ul,menu{list-style:none}img,svg,video,canvas,audio,iframe,embed,object{vertical-align:middle;display:block}img,video{max-width:100%;height:auto}button,input,select,optgroup,textarea{font:inherit;font-feature-settings:inherit;font-variation-settings:inherit;letter-spacing:inherit;color:inherit;opacity:1;background-color:#0000;border-radius:0}::file-selector-button{font:inherit;font-feature-settings:inherit;font-variation-settings:inherit;letter-spacing:inherit;color:inherit;opacity:1;background-color:#0000;border-radius:0}:where(select:is([multiple],[size])) optgroup{font-weight:bolder}:where(select:is([multiple],[size])) optgroup option{padding-inline-start:20px}::file-selector-button{margin-inline-end:4px}::placeholder{opacity:1}@supports (not ((-webkit-appearance:-apple-pay-button))) or (contain-intrinsic-size:1px){::placeholder{color:currentColor}@supports (color:color-mix(in lab,red,red)){::placeholder{color:color-mix(in oklab,currentcolor 50%,transparent)}}}textarea{resize:vertical}::-webkit-search-decoration{-webkit-appearance:none}::-webkit-date-and-time-value{min-height:1lh;text-align:inherit}::-webkit-datetime-edit{display:inline-flex}::-webkit-datetime-edit-fields-wrapper{padding:0}::-webkit-datetime-edit{padding-block:0}::-webkit-datetime-edit-year-field{padding-block:0}::-webkit-datetime-edit-month-field{padding-block:0}::-webkit-datetime-edit-day-field{padding-block:0}::-webkit-datetime-edit-hour-field{padding-block:0}::-webkit-datetime-edit-minute-field{padding-block:0}::-webkit-datetime-edit-second-field{padding-block:0}::-webkit-datetime-edit-millisecond-field{padding-block:0}::-webkit-datetime-edit-meridiem-field{padding-block:0}::-webkit-calendar-picker-indicator{line-height:1}:-moz-ui-invalid{box-shadow:none}button,input:where([type=button],[type=reset],[type=submit]){appearance:button}::file-selector-button{appearance:button}::-webkit-inner-spin-button{height:auto}::-webkit-outer-spin-button{height:auto}[hidden]:where(:not([hidden=until-found])){display:none!important}}@layer components;@layer utilities{.visible{visibility:visible}.sr-only{clip-path:inset(50%);white-space:nowrap;border-width:0;width:1px;height:1px;margin:-1px;padding:0;position:absolute;overflow:hidden}.absolute{position:absolute}.fixed{position:fixed}.relative{position:relative}.static{position:static}.container{width:100%}@media(min-width:40rem){.container{max-width:40rem}}@media(min-width:48rem){.container{max-width:48rem}}@media(min-width:64rem){.container{max-width:64rem}}@media(min-width:80rem){.container{max-width:80rem}}@media(min-width:96rem){.container{max-width:96rem}}.flex{display:flex}.grid{display:grid}.hidden{display:none}.table{display:table}.resize{resize:both}.italic{font-style:italic}.blur{--tw-blur:blur(8px);filter:var(--tw-blur,) var(--tw-brightness,) var(--tw-contrast,) var(--tw-grayscale,) var(--tw-hue-rotate,) var(--tw-invert,) var(--tw-saturate,) var(--tw-sepia,) var(--tw-drop-shadow,)}.transition{transition-property:color,background-color,border-color,outline-color,text-decoration-color,fill,stroke,--tw-gradient-from,--tw-gradient-via,--tw-gradient-to,opacity,box-shadow,transform,translate,scale,rotate,filter,-webkit-backdrop-filter,backdrop-filter,display,content-visibility,overlay,pointer-events;transition-timing-function:var(--tw-ease,var(--default-transition-timing-function));transition-duration:var(--tw-duration,var(--default-transition-duration))}}:root{--navy:#0d1b2a;--navy-2:#13263a;--green:#2ecc71;--green-dark:#1f9d57;--mint:#edf8f2;--blue-soft:#eaf1f7;--amber:#b7791f;--gray:#4a4a5a;--muted:#6f7785;--line:#dfe7ef;--paper:#fff;--bg:#f7f9fc;color:var(--navy);background:var(--bg);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif;font-size:17px;line-height:1.62}*{box-sizing:border-box}body{background:var(--bg);margin:0}a{color:inherit;text-decoration:none}img{max-width:100%;display:block}button,input,textarea{font:inherit}.site-shell{min-height:100vh}.site-header{z-index:20;-webkit-backdrop-filter:blur(14px);backdrop-filter:blur(14px);background:#fffffff0;border-bottom:1px solid #0d1b2a14;justify-content:space-between;align-items:center;gap:24px;min-height:72px;padding:0 5vw;display:flex;position:sticky;top:0}.brand,.footer-brand{letter-spacing:0;align-items:center;gap:10px;font-size:1.15rem;font-weight:800;display:inline-flex}.brand-mark{width:34px;height:34px;color:var(--navy);background:var(--green);border-radius:8px;justify-content:center;align-items:center;display:inline-flex}.site-nav{align-items:center;gap:6px;display:flex}.site-nav a{color:var(--gray);border-radius:8px;padding:10px 13px;font-size:.92rem;font-weight:700}.site-nav a.active,.site-nav a:hover{color:var(--navy);background:#eef4f8}.nav-toggle{border:1px solid var(--line);background:var(--paper);border-radius:8px;min-width:42px;min-height:42px;display:none}.site-footer{color:#dce6f0;background:var(--navy);justify-content:space-between;gap:28px;padding:42px 5vw;display:flex}.site-footer p{color:#9fb1c4;margin:8px 0 0}.site-footer nav{flex-wrap:wrap;align-items:center;gap:18px;display:flex}.container{width:min(1120px,90vw);margin:0 auto}.narrow{width:min(820px,90vw);margin:0 auto}.section{padding:58px 0}.section.tight{padding:34px 0}.hero{color:#fff;background:linear-gradient(90deg,#0d1b2af5,#0d1b2ad1),repeating-linear-gradient(0deg,#0000 0 35px,#ffffff0a 35px 36px);padding:86px 0 58px;position:relative;overflow:hidden}.hero-grid{grid-template-columns:minmax(0,1.05fr) minmax(320px,.75fr);align-items:center;gap:48px;display:grid}.eyebrow,.tag{width:fit-content;color:var(--green-dark);letter-spacing:.08em;text-transform:uppercase;align-items:center;gap:8px;font-size:.78rem;font-weight:800;display:inline-flex}.hero .eyebrow{color:var(--green)}h1,h2,h3{letter-spacing:0;margin:0;line-height:1.08}h1{max-width:790px;margin-top:16px;font-size:clamp(2.15rem,3.8vw,3.75rem);font-weight:820}h2{font-size:clamp(1.35rem,2vw,2.05rem);font-weight:780}h3{font-size:1.18rem}.lead{color:#dbe7f2;max-width:700px;margin:22px 0 0;font-size:1.18rem}.home-title{max-width:760px;font-size:clamp(3rem,6vw,5.35rem);font-weight:860}.page-title{max-width:780px;font-size:clamp(2.15rem,4.3vw,4.05rem);font-weight:820}.article-title{max-width:760px;margin-top:14px;font-size:clamp(2.05rem,4vw,3.45rem);font-weight:760;line-height:1.05}.actions{flex-wrap:wrap;gap:12px;margin-top:30px;display:flex}.btn{cursor:pointer;border:1px solid #0000;border-radius:8px;justify-content:center;align-items:center;gap:8px;min-height:46px;padding:10px 18px;font-weight:800;transition:transform .16s,border-color .16s,background .16s;display:inline-flex}.btn:hover{transform:translateY(-1px)}.btn.primary{color:var(--navy);background:var(--green)}.btn.primary:hover{background:#42dc82}.btn.secondary{color:var(--navy);border-color:var(--line);background:#fff}.hero .btn.secondary{color:#fff;background:#ffffff14;border-color:#ffffff38}.ledger-card,.tool-panel,.result-panel,.article-card,.newsletter,.plain-card{border:1px solid var(--line);background:var(--paper);border-radius:8px;box-shadow:0 14px 34px #0d1b2a0b}.ledger-card{color:var(--navy);padding:22px}.ledger-row{border-bottom:1px dashed #cbd7e3;grid-template-columns:1fr auto;gap:14px;padding:13px 0;display:grid}.ledger-row:last-child{border-bottom:0}.ledger-row strong{font-size:1.2rem}.section-header{justify-content:space-between;align-items:end;gap:24px;margin-bottom:28px;display:flex}.section-header p{max-width:650px;color:var(--gray);margin:12px 0 0}.grid-3,.grid-4{gap:18px;display:grid}.grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}.grid-4{grid-template-columns:repeat(4,minmax(0,1fr))}.tool-card{padding:24px}.tool-card svg,.stat-card svg{color:var(--green-dark)}.tool-card p,.plain-card p,.article-card p{color:var(--gray)}.stat-strip{background:var(--navy);color:#fff}.trust-strip{border-bottom:1px solid var(--line);background:#fff}.trust-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:1px;display:grid}.trust-grid div{border-left:1px solid var(--line);padding:18px 24px}.trust-grid div:last-child{border-right:1px solid var(--line)}.trust-grid strong,.trust-grid span{display:block}.trust-grid strong{font-size:.92rem}.trust-grid span{color:var(--muted);font-size:.84rem}.stat-card{padding:22px 0}.stat-card strong{color:var(--green);font-size:2.2rem;line-height:1;display:block}.stat-card p{color:#dbe7f2;margin:10px 0 0}.article-card{overflow:hidden}.article-image-link{display:block}.article-visual{aspect-ratio:16/10;border-bottom:1px solid var(--line);background:linear-gradient(135deg,#ffffffb8,#fff3),repeating-linear-gradient(0deg,#0d1b2a14 0 1px,transparent 1px 30px),var(--blue-soft);width:100%;min-height:180px;display:grid;position:relative;overflow:hidden}.article-visual.hero{border:1px solid var(--line);border-radius:8px;min-height:220px;margin:22px 0}.article-visual.bills,.article-visual.subscriptions{background-color:#eef4f8}.article-visual.groceries{background-color:#eef8f0}.article-visual.fire{background-color:#f1f6ef}.article-visual.housing{background-color:#f3f0e8}.visual-ledger{-webkit-backdrop-filter:blur(8px);backdrop-filter:blur(8px);background:#ffffffd1;border:1px solid #0d1b2a24;border-radius:8px;align-self:end;width:min(78%,380px);margin:20px;padding:18px}.visual-ledger span,.visual-ledger small{color:var(--muted);letter-spacing:.08em;text-transform:uppercase;font-size:.75rem;font-weight:800;display:block}.visual-ledger strong{color:var(--navy);margin:6px 0;font-size:clamp(2rem,4vw,4rem);line-height:.95;display:block}.visual-lines{gap:9px;width:34%;display:grid;position:absolute;top:22px;right:22px}.visual-lines span{background:#0d1b2a1f;border-radius:999px;height:10px}.visual-lines span:nth-child(2){width:78%}.visual-lines span:nth-child(3){width:56%}.article-card-body{padding:16px}.article-card.compact .article-visual{min-height:128px}.article-card.compact .visual-ledger{margin:12px;padding:12px}.article-card.compact .visual-ledger strong{font-size:1.8rem}.article-card.compact .article-card-body{padding:14px}.article-card h3{margin-top:10px}.article-card h3 a:hover{color:var(--green-dark)}.read-time{color:var(--muted);align-items:center;gap:6px;margin-top:14px;font-size:.88rem;display:inline-flex}.newsletter{grid-template-columns:54px 1fr;gap:18px;padding:30px;display:grid}.newsletter.compact{grid-template-columns:1fr;gap:12px;padding:22px}.newsletter.compact .newsletter-icon{width:40px;height:40px}.newsletter.compact h2{max-width:220px;font-size:1.35rem}.newsletter.compact p{color:var(--gray);margin:8px 0 0;font-size:.92rem}.newsletter.compact .inline-form{display:grid}.newsletter.compact .btn{width:100%}.newsletter-icon{width:54px;height:54px;color:var(--green-dark);background:#2ecc7124;border-radius:8px;place-items:center;display:grid}.inline-form{gap:10px;margin-top:18px;display:flex}input,textarea,select{width:100%;min-height:46px;color:var(--navy);background:#fff;border:1px solid #cfd9e4;border-radius:8px;padding:10px 12px}textarea{resize:vertical;min-height:150px}label{color:var(--gray);margin-bottom:6px;font-size:.92rem;font-weight:750;display:block}.tool-note,.method-note{max-width:640px;color:var(--muted);font-size:.92rem}.tool-note{margin:8px 0 0}.method-note{border-top:1px solid var(--line);margin-top:14px;padding-top:14px}.form-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;display:grid}.form-grid-spaced,.guide-card-grid{margin-top:20px}.tool-layout{grid-template-columns:minmax(0,.95fr) minmax(340px,.7fr);align-items:start;gap:24px;display:grid}.tool-panel,.result-panel,.plain-card{padding:22px}.plain-card>:first-child{margin-top:0}.plain-card>:last-child{margin-bottom:0}.result-number{color:var(--navy);font-size:clamp(2rem,4vw,3rem);font-weight:900;line-height:1}.result-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin:20px 0;display:grid}.mini-result{border:1px solid var(--line);background:#f9fbfd;border-radius:8px;padding:14px}.mini-result span{color:var(--muted);font-size:.82rem;display:block}.mini-result strong{margin-top:4px;font-size:1.25rem;display:block}.bar-list{gap:12px;margin-top:22px;display:grid}.bar-label{color:var(--gray);justify-content:space-between;gap:12px;font-size:.88rem;display:flex}.bar-track{background:#e8eef5;border-radius:999px;height:11px;overflow:hidden}.bar-fill{border-radius:inherit;background:linear-gradient(90deg,var(--green),#77e6a5);height:100%}.filter-bar{flex-wrap:wrap;gap:8px;margin-bottom:26px;display:flex}.filter-bar button{border:1px solid var(--line);color:var(--gray);cursor:pointer;background:#fff;border-radius:999px;padding:8px 14px;font-weight:800}.filter-bar button.active{color:var(--navy);background:var(--green);border-color:var(--green)}.page-hero{color:#fff;background:var(--navy);padding:44px 0}.page-hero p{color:#dbe7f2;max-width:760px;margin:16px 0 0}.article-layout{grid-template-columns:minmax(0,1fr) 300px;align-items:start;gap:28px;display:grid}.article-body{border:1px solid var(--line);background:#fff;border-radius:8px;padding:28px}.article-body p{color:var(--gray)}.article-body>section{margin-top:22px}.article-body>section h2{margin-bottom:8px;font-size:clamp(1.45rem,1.9vw,1.85rem)}.article-body>section p{max-width:720px;margin:8px 0 0}.glance-box{border-left:5px solid var(--green);background:#effaf4;border-radius:8px;margin:22px 0;padding:18px}.article-sidebar{gap:16px;display:grid;position:sticky;top:92px}.ad-slot{color:#8a96a3;text-transform:uppercase;letter-spacing:.08em;background:linear-gradient(#f8fafc,#eef3f7);border:1px solid #d8e2ec;border-radius:8px;place-items:center;min-height:118px;font-size:.72rem;display:grid}.article-tool-cta{background:linear-gradient(135deg,#f4fbf7,#fff);border:1px solid #cfe4d7;border-radius:8px;grid-template-columns:auto minmax(0,1fr) auto;align-items:center;gap:18px;margin-top:24px;padding:22px;display:grid}.tool-cta-icon{width:46px;height:46px;color:var(--green-dark);background:#2ecc7121;border-radius:8px;place-items:center;display:grid}.article-tool-cta h2{font-size:1.4rem}.article-tool-cta p{margin:6px 0 0}.worksheet-panel{background:linear-gradient(135deg,#f7fbf8,#fff);border:1px solid #cfe4d7;border-radius:8px;margin-top:24px;padding:22px}.worksheet-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;margin:16px 0;display:grid}.worksheet-grid div{border:1px solid var(--line);background:#fff;border-radius:8px;min-height:92px;padding:14px}.worksheet-grid span{color:var(--gray);letter-spacing:.08em;text-transform:uppercase;font-size:.78rem;font-weight:800;display:block}.worksheet-grid strong{color:var(--green-dark);margin-top:16px;font-size:1.55rem;line-height:1;display:block}.source-panel{border:1px solid var(--line);background:#f8fafc;border-radius:8px;margin-top:24px;padding:22px}.source-panel h2{font-size:1.45rem}.related-list{gap:12px;margin-top:12px;display:grid}.about-hero{padding:50px 0}.about-hero-grid{grid-template-columns:minmax(0,1fr) 330px;align-items:end;gap:36px;display:grid}.about-proof-panel{background:#ffffff14;border:1px solid #ffffff29;border-radius:8px;gap:1px;display:grid;overflow:hidden}.about-proof-panel div{background:#ffffff0a;padding:16px 18px}.about-proof-panel strong,.about-proof-panel span{display:block}.about-proof-panel strong{color:var(--green);letter-spacing:.08em;text-transform:uppercase;font-size:.78rem}.about-proof-panel span{color:#eef5fb;margin-top:4px;font-weight:740}.about-section{padding-top:54px}.about-layout{grid-template-columns:minmax(0,1fr) 350px;align-items:start;gap:24px;display:grid}.about-main{gap:20px;display:grid}.about-card{padding:30px}.about-card h2{max-width:760px;margin-top:10px}.about-card p,.about-side-card p,.about-side-card li{color:var(--gray)}.check-list{grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin-top:22px;display:grid}.check-list div,.standard-grid div{border:1px solid var(--line);text-align:left;background:#f8fafc;border-radius:8px;align-items:flex-start;gap:10px;min-width:0;padding:14px;display:flex}.check-list svg,.standard-grid svg,.about-side-card svg{color:var(--green-dark);flex:none}.check-list span{color:var(--navy);font-weight:720}.standard-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin-top:22px;display:grid}.standard-grid p{margin:0;font-size:.95rem}.about-sidebar{gap:20px;display:grid}.about-side-card{padding:24px}.about-side-card h2{margin-top:12px;font-size:1.35rem}.about-side-card ul{margin:14px 0 0;padding-left:20px}.about-side-card li+li{margin-top:9px}.source-panel ul{margin:14px 0 0;padding-left:20px}.final-cta{justify-items:start;gap:16px;display:grid}.worksheet-table{border-collapse:collapse;width:100%;margin-top:18px}.worksheet-table th,.worksheet-table td{border-bottom:1px solid var(--line);text-align:left;padding:12px}.worksheet-table th{color:var(--muted);text-transform:uppercase;letter-spacing:.06em;font-size:.82rem}.form-note{color:var(--green-dark);margin:10px 0 0;font-size:.9rem;font-weight:700}.form-note.error{color:#b42318}.fine-print{color:var(--muted);margin:10px 0 0;font-size:.82rem}.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}@media(max-width:900px){.hero-grid,.tool-layout,.article-layout,.about-hero-grid,.about-layout,.trust-grid,.grid-3,.grid-4{grid-template-columns:1fr}.site-footer,.section-header{flex-direction:column;align-items:start}.article-sidebar{position:static}.article-tool-cta{grid-template-columns:1fr;justify-items:start}.about-hero-grid{align-items:start}.about-proof-panel{max-width:520px}.check-list,.standard-grid{grid-template-columns:1fr}}@media(max-width:720px){:root{font-size:16px}.site-header{min-height:64px}.nav-toggle{place-items:center;display:inline-grid}.site-nav{border-bottom:1px solid var(--line);background:#fff;flex-direction:column;align-items:stretch;padding:12px 5vw 18px;display:none;position:absolute;top:64px;left:0;right:0}.site-nav.open{display:flex}.hero{padding-top:58px}.page-hero,.about-hero{padding:34px 0}.section,.about-section{padding:40px 0}.article-body,.about-card{padding:22px}.form-grid,.result-grid,.inline-form,.newsletter{grid-template-columns:1fr}.inline-form{display:grid}.newsletter{padding:22px}}@media print{.site-header,.site-footer,.actions,.article-sidebar,.newsletter,.ad-slot{display:none!important}body{background:#fff}.tool-layout,.section,.container{width:100%;padding:0;display:block}}@property --tw-blur{syntax:"*";inherits:false}@property --tw-brightness{syntax:"*";inherits:false}@property --tw-contrast{syntax:"*";inherits:false}@property --tw-grayscale{syntax:"*";inherits:false}@property --tw-hue-rotate{syntax:"*";inherits:false}@property --tw-invert{syntax:"*";inherits:false}@property --tw-opacity{syntax:"*";inherits:false}@property --tw-saturate{syntax:"*";inherits:false}@property --tw-sepia{syntax:"*";inherits:false}@property --tw-drop-shadow{syntax:"*";inherits:false}@property --tw-drop-shadow-color{syntax:"*";inherits:false}@property --tw-drop-shadow-alpha{syntax:"<percentage>";inherits:false;initial-value:100%}@property --tw-drop-shadow-size{syntax:"*";inherits:false}