@font-face{font-family:Manrope Variable;font-style:normal;font-display:swap;font-weight:200 800;src:url(/fonts/manrope-latin-variable.woff2)format("woff2");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;--ink:#18201e;--muted:#52615b;--green:#16624b;--line:#dde5e1;--error:#b42318;--wash:#f5f8f6;--radius:8px;color:var(--ink);font-variant-numeric:tabular-nums;background:#fff;font-family:Manrope Variable,Manrope,sans-serif;font-size:16px}*{box-sizing:border-box}body{margin:0}h1,h2,h3,p,ul,ol,dl{margin-top:0}h1,h2,h3{letter-spacing:-.035em;font-weight:700;line-height:1.18}h1{margin-bottom:16px;font-size:44px}h2{margin-bottom:16px;font-size:28px}h3{letter-spacing:-.02em;font-size:18px}p,li,dd{line-height:1.65}p{margin-bottom:18px}a{color:var(--green);text-underline-offset:4px}a:hover{text-decoration-thickness:2px}button,input,summary{font:inherit}button,a,summary{-webkit-tap-highlight-color:transparent}button{cursor:pointer}button:disabled{cursor:wait;opacity:.65}[hidden]{display:none!important}:focus-visible{outline-offset:4px;outline:3px solid #16624b}.container{width:min(1180px,100% - 64px);margin-inline:auto}.site-header{border-bottom:1px solid var(--line);justify-content:space-between;align-items:center;gap:24px;min-height:80px;display:flex}.brand{color:var(--ink);letter-spacing:-.04em;align-items:center;gap:12px;font-size:19px;font-weight:750;text-decoration:none;display:inline-flex}.brand-mark{background:var(--green);color:#fff;border-radius:6px;place-items:center;width:32px;height:32px;font-size:25px;line-height:1;display:grid}.site-header nav{align-items:center;gap:30px;display:flex}.site-header nav a{color:var(--muted);padding-block:14px;font-size:14px;font-weight:600;text-decoration:none}.site-header nav a:hover{color:var(--green)}.preview-notice{color:var(--muted);border-bottom:1px solid var(--line);padding-block:10px;font-size:12px}.intro{max-width:760px;padding:40px 0 28px}.eyebrow{text-transform:uppercase;letter-spacing:.12em;color:var(--green);margin-bottom:14px;font-size:12px;font-weight:700}.lede{color:var(--muted);max-width:660px;margin:0;font-size:18px}.calculator-grid{grid-template-columns:minmax(0,2fr) minmax(0,3fr);gap:32px;display:grid}.calculator-form{border:1px solid var(--line);border-radius:16px;align-self:start;padding:28px}.calculator-form h2{margin-bottom:8px;font-size:21px}.form-intro{color:var(--muted);margin-bottom:24px;font-size:14px}.basic-fields{grid-template-columns:1fr 1fr;gap:20px 16px;display:grid}.field-wide{grid-column:1/-1}.field label{justify-content:space-between;align-items:baseline;gap:12px;margin-bottom:8px;font-size:14px;font-weight:650;line-height:1.4;display:flex}.field-unit{color:var(--muted);white-space:nowrap;font-size:12px;font-weight:500}.input-wrap{position:relative}.field input{width:100%;height:48px;color:var(--ink);background:#fff;border:1px solid #86988e;border-radius:8px;min-width:0;padding:10px 14px;font-size:18px;font-weight:550}.field input[data-money]{padding-left:30px}.input-prefix,.input-suffix{color:var(--muted);pointer-events:none;position:absolute;top:12px}.input-prefix{left:13px}.input-suffix{right:14px}.field input[aria-invalid=true]{border-color:var(--error)}.field-help{color:var(--muted);margin:6px 0 0;font-size:12px;line-height:1.55}.field-error{color:var(--error);margin:8px 0 0;font-size:13px}.assumptions{border-block:1px solid var(--line);margin-top:24px;padding-block:16px}.assumptions summary{cursor:pointer;min-height:44px;font-size:14px;font-weight:650;line-height:1.6}.assumptions summary span{color:var(--muted);margin-left:17px;font-size:12px;font-weight:400;display:block}.assumptions .field{margin-top:20px}.assumptions-note{color:var(--muted);margin-top:14px;font-size:13px}.form-actions{align-items:center;gap:12px;margin-top:24px;display:flex}button,.button-link{border-radius:8px;min-height:48px;padding:12px 24px;font-size:15px;font-weight:650}button[type=submit],.button-link{background:var(--green);border:1px solid var(--green);color:#fff;flex:1}.button-link{text-decoration:none;display:inline-block}.reset-button{color:var(--ink);background:#fff;border:1px solid #86988e;padding-inline:20px}.form-actions button:hover{filter:brightness(.96)}.privacy-note{color:var(--muted);margin:14px 0 0;font-size:12px;line-height:1.6}.form-error,.assumption-warning,.noscript-notice{border-left:3px solid var(--error);color:var(--error);background:#fff7f5;margin-top:16px;padding:12px 16px;font-size:14px;line-height:1.6}.results{min-width:0;padding:28px 0 0}.result-topline{flex-wrap:wrap;justify-content:space-between;align-items:baseline;gap:16px;margin-bottom:24px;display:flex}.result-topline h2{margin:0;font-size:17px}.estimate-status{color:var(--muted);font-size:12px}.estimate-status.pending{color:var(--error);font-weight:600}.result-label{color:var(--muted);margin-bottom:6px;font-size:14px}.hero-number{letter-spacing:-.05em;color:var(--green);overflow-wrap:anywhere;margin-bottom:12px;font-size:clamp(32px,3.6vw,48px);font-weight:700;line-height:1.2}.reached-status{color:var(--muted);margin-bottom:24px;font-size:14px}.result-metrics{border-block:1px solid var(--line);grid-template-columns:1fr 1fr;gap:24px 20px;margin-bottom:18px;padding-block:20px;display:grid}.result-metrics div:last-child{grid-column:1/-1}.result-metrics dt{color:var(--muted);margin-bottom:5px;font-size:12px}.result-metrics dd{overflow-wrap:anywhere;margin:0;font-size:22px;font-weight:650;line-height:1.35}.result-metrics div:last-child dd{font-size:19px}.result-explanation{color:var(--muted);margin-bottom:24px;font-size:14px;line-height:1.7}.chart-header{flex-wrap:wrap;justify-content:space-between;align-items:baseline;gap:12px;display:flex}.chart-header h3{margin-bottom:12px;font-size:16px}.chart-header span{color:var(--muted);font-size:12px}.growth-chart{aspect-ratio:640/292;width:100%;min-width:0}.growth-chart svg{width:100%;height:auto;display:block;overflow:visible}.chart-grid{stroke:var(--line);stroke-width:1px}.chart-label{fill:var(--muted);font:12px Manrope Variable,sans-serif}.chart-keep,.chart-stop,.chart-target{fill:none;stroke-width:2.5px;stroke-linecap:round;stroke-linejoin:round}.chart-keep{stroke:var(--green)}.chart-stop{stroke:#6b7884;stroke-dasharray:7 4}.chart-target{stroke:#956229;stroke-dasharray:2 5}.chart-coast-marker{fill:var(--green);stroke:#fff;stroke-width:2px}.chart-legend{color:var(--muted);flex-wrap:wrap;gap:16px;margin:10px 0 12px;padding:0;font-size:11px;list-style:none;display:flex}.chart-legend li{align-items:center;gap:6px;display:flex}.chart-legend li:before{content:"";border-top:3px solid var(--green);width:20px}.chart-legend .legend-stop:before{border-color:#6b7884;border-top-style:dashed}.chart-legend .legend-target:before{border-color:#956229;border-top-style:dotted}.chart-caption{color:var(--muted);margin-bottom:12px;font-size:12px}.data-disclosure summary,.sensitivity summary{cursor:pointer;min-height:44px;color:var(--green);padding-block:12px;font-size:13px;font-weight:600}.result-limitations{background:var(--wash);color:var(--muted);border-radius:8px;margin-top:16px;padding:18px;font-size:12px;line-height:1.7}.result-limitations strong{color:var(--ink)}.comparison{grid-column:1/-1;padding:24px 0 40px}.comparison h2{font-size:25px}.comparison>p{max-width:760px;color:var(--muted);font-size:15px}.table-scroll{border:1px solid var(--line);overscroll-behavior-inline:contain;border-radius:8px;max-width:100%;overflow:auto}table{border-collapse:collapse;text-align:left;width:100%;font-size:14px}caption{text-align:left;background:var(--wash);color:var(--muted);padding:14px 16px;font-size:12px}th,td{vertical-align:top;padding:16px;line-height:1.6}thead th{color:var(--muted);font-size:12px;font-weight:600}tbody th{font-weight:600}tbody tr{border-top:1px solid var(--line)}td{font-variant-numeric:tabular-nums}.sensitivity{margin-top:16px}.sensitivity>p{max-width:760px;color:var(--muted);font-size:14px}.meaning-section{border-top:1px solid var(--line);grid-template-columns:2fr 3fr;gap:64px;padding-block:56px;display:grid}.meaning-section h2{font-size:32px}.meaning-section p{color:var(--muted)}.how-section,.examples-section,.concepts-section,.faq-section,.trust-note{border-top:1px solid var(--line);padding-block:48px}.how-section>p,.examples-section>p,.section-intro{max-width:800px;color:var(--muted);font-size:15px}.formula-steps{counter-reset:step;margin:32px 0;padding:0;list-style:none}.formula-steps li{border-bottom:1px solid var(--line);counter-increment:step;grid-template-columns:36px minmax(0,1fr) minmax(0,1.3fr);gap:0 24px;padding-block:22px;display:grid}.formula-steps li:before{content:counter(step);color:var(--green);grid-row:1/3;font-size:21px;font-weight:600}.formula-steps h3{margin:0}.formula-steps p{color:var(--muted);margin:0;font-size:14px}.formula-steps .formula{color:var(--ink);grid-column:3;margin-top:8px;font-size:12px}.concept-list{margin-bottom:0}.concept-list>div{grid-template-columns:220px 1fr;gap:32px;margin-top:24px;display:grid}.concept-list dt{font-size:16px;font-weight:650}.concept-list dd{color:var(--muted);max-width:720px;margin:0}.faq-section{max-width:900px}.faq-section details{border-bottom:1px solid var(--line)}.faq-section summary{cursor:pointer;min-height:60px;padding:20px 8px;font-size:16px;font-weight:600}.faq-section details p{color:var(--muted);max-width:760px;margin-left:24px;font-size:15px}.trust-note{max-width:900px}.trust-note h2{font-size:22px}.trust-note p{color:var(--muted);font-size:14px}.site-footer{border-top:1px solid var(--line);grid-template-columns:1fr 1fr;gap:24px;padding-block:40px;display:grid}.site-footer p{color:var(--muted);margin-top:12px;margin-bottom:0;font-size:12px}.site-footer nav{flex-wrap:wrap;place-content:start flex-end;gap:8px 20px;display:flex}.site-footer nav a{padding-block:8px;font-size:12px;display:inline-block}.footer-disclaimer,.footer-responsibility{grid-column:1/-1;max-width:900px}.prose{max-width:760px;margin:40px auto 64px}.prose h1{font-size:40px}.prose h2{margin-top:40px;scroll-margin-top:20px;font-size:25px}.prose p,.prose li{color:var(--muted);font-size:16px}.article-lede{font-size:18px!important}.breadcrumbs{color:var(--muted);margin-bottom:32px;font-size:12px}.review-note{font-size:12px!important}.prose pre{background:var(--wash);border-radius:8px;padding:20px;font-size:13px;line-height:1.8;overflow:auto}.formula-definitions>div{margin-top:20px}.formula-definitions dt{color:var(--muted);font-size:14px}.formula-definitions dd{overflow-wrap:anywhere;margin:6px 0;font-size:15px}.source-list li{margin-top:20px}.source-list p{font-size:13px}.pending-contact{background:var(--wash);border-left:3px solid var(--green);padding:16px}.not-found{max-width:700px;padding:80px 0}.not-found p{color:var(--muted)}.skip-link{z-index:10;background:#fff;padding:12px;position:absolute;top:-100px;left:20px}.skip-link:focus{top:16px}.sr-only{clip:rect(0,0,0,0);white-space:nowrap;width:1px;height:1px;position:absolute;overflow:hidden}@media (width>=1024px){.assumptions{margin-top:24px}}@media (width<=1023px){.container{width:calc(100% - 40px)}.calculator-grid{grid-template-columns:minmax(0,1fr) minmax(0,1.2fr);gap:24px}.calculator-form{padding:20px}.chart-legend{gap:10px}.result-topline{gap:8px}.result-metrics dd{font-size:20px}.meaning-section{gap:32px}.hero-number{font-size:40px}.formula-steps li{grid-template-columns:30px 1fr}.formula-steps li>p,.formula-steps .formula{grid-column:2}.formula-steps h3{margin-bottom:10px}}@media (width<=767px){h1{font-size:32px}h2{font-size:25px}.site-header{flex-wrap:wrap;gap:12px;min-height:72px;padding-block:14px}.brand{gap:8px;font-size:17px}.site-header nav{gap:16px}.site-header nav a{padding-block:8px;font-size:12px}.preview-notice{font-size:11px}.intro{padding-top:28px}.lede{font-size:16px}.calculator-grid{grid-template-columns:1fr;gap:24px}.calculator-form{padding:24px}.results{padding-top:8px}.hero-number{font-size:42px}.result-topline{margin-bottom:20px}.comparison{padding-top:12px;padding-bottom:32px}.table-scroll table{min-width:580px}.meaning-section{grid-template-columns:1fr;gap:8px;padding-block:40px}.meaning-section h2{font-size:28px}.how-section,.examples-section,.concepts-section,.faq-section,.trust-note{padding-block:36px}.formula-steps li{gap:0 14px}.concept-list>div{grid-template-columns:1fr;gap:8px;margin-top:28px}.site-footer{grid-template-columns:1fr;gap:16px;padding-block:32px}.site-footer nav{justify-content:flex-start}.prose{margin-top:28px}.prose h1{font-size:32px}.prose pre{padding:14px;font-size:12px}.prose p,.prose li{font-size:15px}}@media (width<=390px){.site-header{display:block}.site-header nav{justify-content:space-between;gap:8px;margin-top:8px}.calculator-form{padding:18px}.hero-number{font-size:36px}.field label{font-size:13px}.field-unit{font-size:11px}.basic-fields{gap:16px 12px}.result-metrics{gap:20px 12px}.chart-legend{font-size:10px}}@media (prefers-reduced-motion:reduce){*,:before,:after{scroll-behavior:auto!important;transition:none!important;animation:none!important}}.calculator-grid>*{min-width:0}:root{--ink:#171717;--muted:#555;--line:#e2e2e2;--wash:#f6f6f6;--green:#16624b}.chart-stop{stroke:#717171}.chart-target{stroke:#242424}.chart-legend .legend-stop:before{border-color:#717171}.chart-legend .legend-target:before{border-color:#242424}.site-header{z-index:5;background:#fff;min-height:76px;position:sticky;top:0}.site-header nav{gap:24px}.site-header nav a{color:var(--ink);min-height:44px;position:relative}.site-header nav a:after{content:"";background:var(--green);transform-origin:0;height:2px;transition:transform .16s;position:absolute;bottom:5px;left:0;right:0;transform:scaleX(0)}.site-header nav a:hover:after,.site-header nav a[aria-current=page]:after{transform:scaleX(1)}.site-header nav .nav-tool{color:var(--green)}html{scroll-padding-top:100px}main{animation:.18s ease-out page-enter}.site-header,.site-footer{animation:.22s ease-out chrome-enter}main>section,.prose figure{transition:opacity .26s ease-out,transform .26s ease-out}.reveal-pending{opacity:0;transform:translateY(10px)}@keyframes page-enter{0%{opacity:0;transform:translateY(4px)}to{opacity:1;transform:none}}@keyframes chrome-enter{0%{opacity:.6}to{opacity:1}}button,.button-link{transition:background-color .16s,border-color .16s,box-shadow .16s}button[type=submit]:hover,.button-link:hover{filter:none;background:#104a38}.reset-button:hover{background:var(--wash);filter:none}.field input{transition:border-color .16s,box-shadow .16s}.field input:focus{border-color:var(--green);box-shadow:0 0 0 1px var(--green)}.meaning-headline{font-size:18px;line-height:1.5;color:var(--ink)!important}.coast-story{grid-column:1/-1;width:min(900px,100%);margin:12px auto 0}.coast-story picture{display:block}.coast-story img{object-fit:contain;width:100%;height:auto;max-height:400px;display:block}.journey-stages{border-top:1px solid var(--line);grid-template-columns:repeat(3,minmax(0,1fr));gap:32px;margin:0;padding:24px 0 0;list-style:none;display:grid}.journey-stages li{font-size:14px;line-height:1.6}.journey-stages span{color:var(--green);letter-spacing:.05em;margin-bottom:8px;font-size:12px;font-weight:700;display:block}figcaption{color:var(--muted);max-width:760px;margin-top:20px;font-size:12px;line-height:1.65}.formula-diagram{background:var(--wash);border-radius:8px;margin:36px 0;padding:28px}.diagram-heading{color:var(--muted);flex-wrap:wrap;justify-content:space-between;gap:16px;font-size:11px;display:flex}.diagram-heading .eyebrow{margin:0;font-size:10px}.diagram-flow{grid-template-columns:1fr;gap:28px;margin:32px 0 0;padding:0;list-style:none;display:grid}.diagram-flow li{border-left:2px solid var(--green);gap:8px;padding:4px 0 4px 20px;display:grid;position:relative}.diagram-flow li+li:before{content:"↓";color:var(--green);position:absolute;top:-26px;left:18px}.diagram-step{color:var(--green);font-size:11px;font-weight:650}.diagram-flow strong{color:var(--ink);font-size:15px;font-weight:650}.diagram-flow code{color:var(--ink);overflow-wrap:anywhere;font-size:16px}.diagram-operation{color:var(--muted);font-size:11px;line-height:1.5}.site-footer{grid-template-columns:2fr 1fr 1fr;gap:32px;padding-block:48px}.site-footer .footer-group{flex-direction:column;justify-content:flex-start;align-items:flex-start;gap:0;display:flex}.footer-group h2{letter-spacing:0;margin:6px 0 14px;font-size:12px}.footer-group a{color:var(--muted);min-height:44px;text-decoration:none;padding-block:12px!important}.footer-group a:hover{color:var(--green);text-decoration:underline}.footer-tool-link{margin-top:20px;font-size:12px;line-height:1.6;display:inline-block}.footer-disclaimer{border-top:1px solid var(--line);max-width:none;padding-top:24px}.site-footer .footer-responsibility{margin-top:-16px}@media (width<=767px){.site-header{gap:16px;min-height:72px;position:static}.site-header nav{flex-wrap:wrap;gap:18px}.site-header nav a{padding-block:12px}.site-footer{grid-template-columns:1fr 1fr;gap:24px}.footer-identity{grid-column:1/-1}.coast-story{margin-top:0}.journey-stages{gap:18px}.journey-stages li{font-size:12px}.journey-stages span{font-size:11px}.formula-diagram{padding:20px}.meaning-section{gap:12px}html{scroll-padding-top:20px}}@media (width<=390px){.site-header nav{justify-content:space-between;gap:8px;margin-top:8px}.site-header nav a{font-size:11px}.journey-stages{grid-template-columns:1fr;gap:16px}.journey-stages li{border-left:2px solid var(--line);padding-left:16px}.journey-stages span{margin-bottom:4px}}@media (prefers-reduced-motion:reduce){.reveal-pending{opacity:1;transform:none}main>section,.prose figure{transition:none}}@media print{.reveal-pending{opacity:1;transform:none}.site-header{position:static}}@media (width<=767px){.calculator-grid{grid-template-columns:minmax(0,1fr)}.chart-label{font-size:20px}.growth-chart{margin-top:14px}}
