@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700;800&family=Manrope:wght@400;500;600;700;800&display=swap');
:root{--ink:#172a36;--muted:#667582;--green:#285d4e;--green-dark:#184738;--accent:#d9f29b;--mint:#ebf4ed;--cream:#f9f9f5;--white:#fff;--border:#e1e7e4;--orange:#ee854e;--shadow:0 18px 60px rgba(20,52,43,.10);--radius:18px;--max:1200px}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:110px}body{margin:0;background:var(--cream);color:var(--ink);font-family:'DM Sans',Arial,sans-serif;-webkit-font-smoothing:antialiased;font-size:16px;line-height:1.6}img{display:block;max-width:100%}a{color:inherit;text-decoration:none}button,input,select{font:inherit}button{cursor:pointer}p{margin:0 0 1.1em}h1,h2,h3,h4{font-family:'Manrope',Arial,sans-serif;line-height:1.16;letter-spacing:-.045em;margin:0 0 .65em}h1{font-size:clamp(2.65rem,5.8vw,5.15rem);font-weight:800}h2{font-size:clamp(2.1rem,3.5vw,3.45rem);font-weight:800}h3{font-size:1.25rem;font-weight:800}h4{font-size:1.05rem;font-weight:800}ul,ol{padding-left:1.3rem}li{margin:.45rem 0}img{object-fit:cover}.container{width:min(calc(100% - 56px),var(--max));margin:auto}.eyebrow{font-size:.72rem;letter-spacing:.15em;text-transform:uppercase;font-weight:800;color:var(--green);display:inline-flex;align-items:center;gap:11px}.eyebrow:before{content:'';height:7px;width:7px;border-radius:50%;background:var(--orange)}.section{padding:94px 0}.section-tight{padding:64px 0}.section-title{max-width:680px}.section-intro{font-size:1.11rem;color:var(--muted);max-width:600px}.section-heading{display:flex;justify-content:space-between;align-items:end;gap:30px;margin-bottom:36px}.section-heading h2{margin:14px 0 0}.section-heading p{max-width:400px;color:var(--muted);margin:0}.inline-link{font-size:.9rem;font-weight:800;white-space:nowrap;color:var(--green);border-bottom:1px solid var(--green);padding-bottom:4px}.button{display:inline-flex;align-items:center;justify-content:center;gap:12px;border:1px solid transparent;border-radius:9px;padding:15px 23px;font-weight:800;font-size:.92rem;transition:transform .2s,background .2s,color 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var(--border);backdrop-filter:blur(14px)}.header-inner{display:flex;align-items:center;justify-content:space-between;min-height:82px;gap:26px}.brand{font-family:'Manrope',Arial,sans-serif;font-weight:800;letter-spacing:-.075em;font-size:1.48rem;white-space:nowrap;line-height:1}.brand span{color:var(--green)}.brand i{font-style:normal;color:var(--orange)}.brand small{display:block;font-family:'DM Sans',Arial,sans-serif;letter-spacing:.17em;text-transform:uppercase;font-size:.52rem;font-weight:700;color:#779083;padding-top:8px}.nav-links{display:flex;align-items:center;gap:29px;margin-left:auto}.nav-links a{font-size:.875rem;font-weight:700;color:#44575f;transition:color .2s}.nav-links a:hover,.nav-links a.active{color:var(--green)}.nav-cta{margin-left:4px;padding:13px 19px;white-space:nowrap}.mobile-menu-button{display:none;align-items:center;justify-content:center;background:transparent;border:1px solid var(--border);width:46px;height:46px;border-radius:9px;color:var(--ink);font-size:1.4rem}.hero{overflow:hidden}.hero-grid{display:grid;grid-template-columns:.99fr 1.01fr;min-height:615px}.hero-copy{padding:86px min(6vw,94px) 75px max(28px,calc((100vw - var(--max))/2));display:flex;flex-direction:column;align-items:flex-start;justify-content:center}.hero h1{margin:21px 0 21px;line-height:1.075}.hero h1 em{font-style:normal;color:var(--green);display:block}.hero-copy>p{max-width:465px;font-size:1.16rem;line-height:1.7;color:#657582}.hero-actions{display:flex;gap:11px;flex-wrap:wrap;margin:25px 0 36px}.hero-note{display:flex;align-items:center;gap:12px;color:#6e7976;font-size:.78rem;font-weight:600}.mini-avatars{display:flex}.mini-avatars span{width:28px;height:28px;margin-left:-6px;border-radius:50%;background:#b2d6c4;border:2px solid var(--cream);text-align:center;line-height:25px;font-size:13px}.mini-avatars span:first-child{margin-left:0;background:#b4d3e2}.mini-avatars span:last-child{background:#f0c5a2}.hero-photo{min-height:615px;position:relative;background:#476c68}.hero-photo img{width:100%;height:100%;position:absolute;inset:0;object-fit:cover;object-position:center}.hero-photo:after{content:'';position:absolute;inset:0;background:linear-gradient(0deg,rgba(15,31,31,.58),transparent 42%)}.hero-photo-caption{position:absolute;z-index:2;bottom:35px;left:38px;color:#fff;display:flex;align-items:center;gap:18px}.hero-photo-caption strong{display:block;font-family:'Manrope',Arial,sans-serif;font-size:1.15rem}.hero-photo-caption span{font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;color:#e2e5dd}.round-arrow{width:48px;height:48px;display:grid;place-items:center;border:1px solid rgba(255,255,255,.7);border-radius:50%;font-size:1.35rem}.intro-band{border-bottom:1px solid var(--border);background:#fff}.intro-band-grid{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:21px 0}.intro-band strong{font-size:.84rem;color:var(--ink)}.intro-points{display:flex;gap:35px;flex-wrap:wrap}.intro-points span{color:#687b72;font-size:.79rem;font-weight:700}.intro-points b{color:var(--green);margin-right:7px}.featured-grid{display:grid;grid-template-columns:1.03fr .97fr;border-radius:20px;overflow:hidden;background:#eaf3ea;min-height:410px}.featured-image{position:relative;min-height:410px;background:#aec3ae}.featured-image img{width:100%;height:100%;position:absolute;inset:0}.image-tag{position:absolute;left:25px;top:25px;background:#fff;border-radius:7px;padding:10px 13px;font-size:.72rem;font-weight:800;color:var(--green)}.featured-copy{padding:55px 60px;display:flex;flex-direction:column;align-items:start;justify-content:center}.featured-copy h2{font-size:clamp(2rem,3vw,3.2rem);margin:18px 0}.featured-copy p{color:#546b66;font-size:1rem}.featured-meta{display:flex;gap:20px;color:#63776c;font-size:.8rem;font-weight:700;margin:15px 0 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a{color:var(--green);font-weight:700}.article-hero h1{font-size:clamp(2.4rem,5vw,4.3rem);max-width:900px;margin:15px auto 20px}.article-hero .standfirst{font-size:1.16rem;color:var(--muted);max-width:690px;margin:0 auto 20px}.post-byline{display:flex;align-items:center;justify-content:center;gap:14px;color:#7b8981;font-size:.79rem;font-weight:700}.post-byline b{color:var(--ink)}.article-cover{max-width:1100px;margin:auto;aspect-ratio:2.05;border-radius:17px;overflow:hidden;background:#d5e6df}.article-cover img{width:100%;height:100%}.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 275px;gap:75px;align-items:start;max-width:1010px;margin:auto;padding:68px 0 85px}.article-body{font-size:1.045rem;line-height:1.86;color:#48595a}.article-body>p:first-child{font-size:1.15rem;color:#263e40}.article-body h2{font-size:1.92rem;letter-spacing:-.04em;color:var(--ink);margin:36px 0 14px;scroll-margin-top:115px}.article-body h3{font-size:1.22rem;color:var(--ink);letter-spacing:-.015em;margin:25px 0 9px}.article-body a{color:var(--green);text-decoration:underline;text-underline-offset:3px}.article-body ul,.article-body ol{margin-bottom:20px}.article-body strong{color:var(--ink)}.article-callout{border-left:4px solid var(--green);background:#eaf3e9;border-radius:0 10px 10px 0;padding:22px 25px;margin:28px 0;color:#304b40;font-size:.98rem}.article-callout strong{display:block;margin-bottom:7px}.article-aside{position:sticky;top:115px}.aside-card{background:#fff;border:1px solid var(--border);border-radius:12px;padding:26px;margin-bottom:18px}.aside-card h4{font-size:1rem;letter-spacing:-.025em;margin:0 0 17px}.aside-card .toc-link{display:block;color:#60736b;font-size:.81rem;font-weight:600;padding:9px 0;border-bottom:1px solid #edf0ea;line-height:1.5}.aside-card .toc-link:last-child{border:0}.aside-card .button{width:100%;margin-top:15px}.aside-promo{background:#d7f0b6;border:0}.aside-promo 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a{color:var(--green);font-weight:800;text-decoration:underline}.compare-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin:38px 0}.compare-step{padding:30px;border:1px solid var(--border);background:#fff;border-radius:14px}.compare-step .number{font-size:2.2rem;letter-spacing:-.08em;font-weight:800;color:var(--green)}.compare-step h3{margin-top:15px}.compare-step p{font-size:.88rem;color:var(--muted)}.comparison-note{background:#f0f4e9;border-radius:14px;padding:30px}.comparison-note p{color:#536d5a}.faq-item{border-bottom:1px solid var(--border);padding:17px 0}.faq-item summary{cursor:pointer;font-weight:800;list-style:none;display:flex;justify-content:space-between;align-items:center}.faq-item summary:after{content:'+';font-size:1.4rem;color:var(--green)}.faq-item[open] summary:after{content:'−'}.faq-item p{color:var(--muted);font-size:.9rem;margin:12px 0}.picture-credit{font-size:.68rem;color:#89978f;margin:8px auto 0;max-width:1100px;text-align:right}.picture-credit a{text-decoration:underline}.skip-link{position:absolute;top:-80px;left:8px;background:#fff;color:var(--ink);padding:10px;z-index:999}.skip-link:focus{top:8px}::selection{background:#d9f29b;color:#163c2b}a:focus-visible,button:focus-visible,input:focus-visible{outline:3px solid #d8a65d;outline-offset:3px}
@media(max-width:1050px){.nav-links{gap:18px}.hero-copy{padding-left:35px;padding-right:25px}.hero h1{font-size:4rem}.calculator-grid{gap:35px}.featured-copy{padding:40px}.footer-grid{gap:25px}}
@media(max-width:850px){.container{width:min(calc(100% - 36px),var(--max))}.mobile-menu-button{display:flex}.header-inner{min-height:72px}.nav-links{position:absolute;top:72px;left:0;right:0;background:var(--cream);border-bottom:1px solid var(--border);padding:22px 18px;display:none;flex-direction:column;align-items:stretch;gap:8px;box-shadow:0 22px 34px rgba(0,0,0,.09)}.nav-links.is-open{display:flex}.nav-links a{padding:12px 8px}.header-inner>.nav-cta{margin-left:auto}.hero-grid{grid-template-columns:1fr}.hero-copy{padding:70px 26px 57px;text-align:left}.hero-photo{min-height:420px}.hero h1{font-size:clamp(3rem,9vw,4.5rem)}.intro-band-grid{flex-direction:column;align-items:flex-start}.featured-grid{grid-template-columns:1fr}.featured-image{min-height:335px}.category-grid,.articles-grid,.related-grid,.compare-steps{grid-template-columns:repeat(2,1fr)}.calculator-grid,.split-promo{grid-template-columns:1fr}.split-promo-image img{height:400px}.article-layout{grid-template-columns:1fr;padding:48px 0}.article-aside{position:static;display:none}.footer-grid{grid-template-columns:repeat(2,1fr);gap:38px}.footer-grid>div:first-child{grid-column:span 2}.bottom-cta{padding:40px;flex-direction:column;align-items:flex-start}.article-progress{top:72px}}
@media(max-width:560px){.section{padding:62px 0}.section-tight{padding:45px 0}.brand{font-size:1.18rem}.brand small{font-size:.44rem}.header-inner>.nav-cta{display:none}.hero-copy{padding:61px 21px 50px}.hero h1{font-size:3.15rem}.hero-copy>p{font-size:1rem}.hero-photo{min-height:355px}.hero-photo-caption{left:20px;bottom:20px}.intro-points{gap:11px 18px}.intro-points span{font-size:.72rem}.section-heading{display:block}.section-heading .inline-link{display:inline-block;margin-top:17px}.featured-copy{padding:34px 24px}.featured-image{min-height:255px}.category-grid,.articles-grid,.related-grid,.compare-steps,.contact-cards{grid-template-columns:1fr}.category-card{min-height:290px}.article-thumb{aspect-ratio:1.62}.calculator-section{padding:65px 0}.calculator-panel{padding:25px 20px}.field-row{grid-template-columns:1fr}.calculator-result strong{font-size:1.6rem}.split-promo{gap:30px}.split-promo-image{min-height:285px}.split-promo-image img{height:320px}.bottom-cta{padding:34px 26px}.footer-grid{grid-template-columns:1fr}.footer-grid>div:first-child{grid-column:span 1}.footer-bottom{align-items:flex-start;flex-direction:column}.page-hero{padding:60px 0 50px}.filter-wrap{display:block}.filter-pills{margin-bottom:20px}.search-field{min-width:0}.static-content{padding:30px 24px}.article-hero{padding:38px 0 26px}.article-hero h1{font-size:2.55rem}.article-hero .standfirst{font-size:1rem}.article-cover{border-radius:10px;aspect-ratio:1.45}.article-body{font-size:1rem}.article-body h2{font-size:1.65rem}.post-byline{flex-wrap:wrap;gap:6px 10px}}
@media(prefers-reduced-motion:reduce){*,*:before,*:after{scroll-behavior:auto!important;transition:none!important}}