:root{--paper: #e9edf2;--sheet: #ffffff;--ink: #18212d;--ink-soft: #4a5566;--rule: #c9d1dc;--pen: #2343c9;--pen-ink: #ffffff;--marker: #ffe24a;--stamp: #c42f3a;--ok: #1f7a4d;--focus: #2343c9;--sans: system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;--mono: ui-monospace, "SF Mono", Menlo, Consolas, "Liberation Mono", monospace;--measure: 34rem;color-scheme:light}@media(prefers-color-scheme:dark){:root:not([data-theme=light]){--paper: #121924;--sheet: #1b2533;--ink: #e8edf4;--ink-soft: #a7b3c4;--rule: #2e3a4b;--pen: #7d97ff;--pen-ink: #0d1420;--marker: #8a7300;--stamp: #ff6b75;--ok: #5fd39a;--focus: #9db0ff;color-scheme:dark}}:root[data-theme=dark]{--paper: #121924;--sheet: #1b2533;--ink: #e8edf4;--ink-soft: #a7b3c4;--rule: #2e3a4b;--pen: #7d97ff;--pen-ink: #0d1420;--marker: #8a7300;--stamp: #ff6b75;--ok: #5fd39a;--focus: #9db0ff;color-scheme:dark}*,*:before,*:after{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{margin:0;background:var(--paper);color:var(--ink);font:400 1.0625rem/1.55 var(--sans)}.headline,.range,.receipt,.money input{font-variant-numeric:tabular-nums}a{color:var(--pen);text-underline-offset:.18em}:focus-visible{outline:3px solid var(--focus);outline-offset:2px;border-radius:4px}img,svg{max-width:100%}@media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}}.page{max-width:var(--measure);margin:0 auto;padding:0 16px}.draft-banner{display:none;background:var(--stamp);color:#fff;font-size:.85rem;padding:6px 16px;text-align:center;font-weight:600}.draft-banner[data-show=true]{display:block}.site-header{max-width:var(--measure);margin:0 auto;padding:18px 16px 6px}.wordmark{font-weight:800;letter-spacing:-.02em;font-size:1.1rem;color:var(--ink);text-decoration:none}.wm-my{color:var(--pen)}.site-footer{max-width:var(--measure);margin:56px auto 0;padding:20px 16px 40px;border-top:1px solid var(--rule);color:var(--ink-soft);font-size:.8125rem;line-height:1.5}.site-footer .ad-label{font-weight:700;color:var(--ink)}h1{font-size:clamp(2rem,8.5vw,2.75rem);line-height:1.04;letter-spacing:-.035em;font-weight:850;margin:20px 0 14px}h2{font-size:1.375rem;line-height:1.2;letter-spacing:-.02em;font-weight:800;margin:36px 0 8px}p{margin:0 0 14px}.lede{font-size:1.1875rem;color:var(--ink-soft)}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:52px;padding:0 22px;border-radius:12px;border:2px solid var(--pen);background:var(--pen);color:var(--pen-ink);font:700 1.0625rem/1 var(--sans);text-decoration:none;cursor:pointer}.btn:active{transform:translateY(1px)}.btn-wide{width:100%}.btn-ghost{background:transparent;color:var(--pen)}.btn[disabled]{opacity:.45;cursor:not-allowed}.fineprint{font-size:.875rem;color:var(--ink-soft)}.strip{display:grid;grid-template-columns:repeat(15,1fr);gap:3px;margin:22px 0 8px}.strip span{aspect-ratio:3 / 4;border-radius:3px;background:var(--sheet);border:1px solid var(--rule);font:600 .625rem/1 var(--mono);color:var(--ink-soft);display:flex;align-items:flex-end;justify-content:center;padding-bottom:3px}.strip span.late{background:var(--stamp);border-color:var(--stamp);color:#fff}.strip-caption{display:flex;justify-content:space-between;font-size:.8125rem;color:var(--ink-soft);margin-bottom:26px}.article ul,.article ol{padding-left:1.2em;margin:0 0 14px}.article li{margin-bottom:6px}.callout{background:var(--sheet);border-left:4px solid var(--pen);padding:14px 16px;border-radius:0 10px 10px 0;margin:22px 0}.cta-block{margin:32px 0 8px}.cta-block .fineprint{margin-top:10px}.reviewed{font-size:.8125rem;color:var(--ink-soft);margin-top:28px}