/*! tailwindcss v4.2.1 | MIT License | https://tailwindcss.com */
@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;--spacing:.25rem;--radius-xs:.125rem;--radius-sm:.25rem;--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{box-sizing:border-box;border:0 solid;margin:0;padding:0}::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;-webkit-text-decoration:inherit;-webkit-text-decoration: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]){-webkit-appearance:button;appearance:button}::file-selector-button{-webkit-appearance: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{.collapse{visibility:collapse}.invisible{visibility:hidden}.visible{visibility:visible}.absolute{position:absolute}.fixed{position:fixed}.relative{position:relative}.static{position:static}.sticky{position:sticky}.start{inset-inline-start:var(--spacing)}.end{inset-inline-end:var(--spacing)}.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}}.block{display:block}.grid{display:grid}.hidden{display:none}.inline{display:inline}.table{display:table}.shrink{flex-shrink:1}.flex-grow,.grow{flex-grow:1}.resize{resize:both}.rounded{border-radius:.25rem}.lowercase{text-transform:lowercase}.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{--paper:#f5f8f8;--paper-deep:#e9eeef;--surface:#fff;--ink:#0e1a1f;--ink-soft:#566a70;--line:#e0e7e8;--line-dark:#c2ced1;--blue:#1f5c9e;--blue-soft:#e6eff9;--green:#0f6f5a;--green-soft:#ddefea;--coral:#d0442a;--coral-soft:#fbe8e3;--yellow:#cf9a22;--radius:14px;--radius-sm:10px;--radius-xs:6px;--shadow:0 1px 2px #0e1a1f0a, 0 10px 28px #0e1a1f0f;--shadow-sm:0 1px 2px #0e1a1f0d}.result-hero strong,.bar-row strong,.mini-metrics strong,.legend-grid strong,.column-chart strong,.calculation-details dd,.money-input input,.redemption-gauge strong,.payback-row strong,.sensitivity-row strong{font-variant-numeric:tabular-nums;letter-spacing:-.01em}*{box-sizing:border-box}html{scroll-behavior:smooth}body{background:var(--paper);color:var(--ink);-webkit-font-smoothing:antialiased;margin:0;font-family:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif;font-size:16px;line-height:1.6}a{color:inherit;text-decoration:none}button,input,select{font:inherit}button,summary,select{cursor:pointer}:is(button:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible,a:focus-visible){outline:2px solid var(--blue);outline-offset:3px}h1,h2,h3,p{margin-top:0}h1,h2,h3{letter-spacing:-.035em;line-height:1.08}h1,h2{font-family:Georgia,Times New Roman,serif;font-weight:500}.page-wrap{width:min(1180px,100% - 40px);margin-inline:auto}.eyebrow{color:var(--green);letter-spacing:.14em;text-transform:uppercase;margin-bottom:14px;font-size:.75rem;font-weight:800}.lede{color:var(--ink-soft);font-size:clamp(1.05rem,2vw,1.25rem);line-height:1.65}.site-header{z-index:30;border-bottom:1px solid var(--line);-webkit-backdrop-filter:saturate(150%)blur(8px);backdrop-filter:saturate(150%)blur(8px);background:#f5f8f8e6;position:sticky;top:0}.site-header__inner{justify-content:space-between;align-items:center;gap:28px;width:min(1240px,100% - 40px);min-height:62px;margin-inline:auto;display:flex}.brand{letter-spacing:-.04em;align-items:center;gap:8px;font-size:.96rem;font-weight:850;display:inline-flex}.brand__mark{border-radius:var(--radius-xs);background:var(--blue);width:28px;height:28px;color:var(--surface);place-items:center;font-family:Georgia,serif;font-size:.95rem;display:grid}.site-nav{color:var(--ink-soft);align-items:center;gap:clamp(18px,3vw,38px);font-size:.9rem;font-weight:650;display:flex}.site-nav a{transition:color .16s}.site-nav__short{display:none}.site-nav a:hover{color:var(--ink)}.home-hero{background:var(--paper);padding:clamp(48px,6vw,80px) 0 64px;position:relative;overflow:hidden}.home-hero__inner{z-index:1;grid-template-columns:minmax(0,1.08fr) minmax(350px,.72fr);align-items:center;gap:clamp(60px,8vw,120px);display:grid;position:relative}.home-hero__copy h1{max-width:760px;margin-bottom:28px;font-size:clamp(2.6rem,5.2vw,4.2rem);line-height:1.02}.home-hero__copy h1 em{color:var(--coral);font-weight:inherit}.home-hero__copy .lede{max-width:690px}.hero-actions{flex-wrap:wrap;align-items:center;gap:30px;margin-top:36px;display:flex}.primary-button{border-radius:var(--radius-xs);background:var(--blue);color:#fff;border:0;min-height:50px;padding:0 24px;font-weight:700;transition:background .16s}.primary-button:hover{background:#17497f}.primary-button--link{justify-content:center;align-items:center;display:inline-flex}.text-link{border-bottom:1px solid var(--line-dark);font-size:.94rem;font-weight:750}.text-link span{color:var(--coral);margin-left:6px}.hero-visual{border:1px solid var(--line-dark);border-radius:var(--radius);background:var(--surface);box-shadow:var(--shadow);padding:30px;position:relative}.hero-visual__header{border-bottom:1px solid var(--line);justify-content:space-between;padding-bottom:20px;font-size:.82rem;font-weight:750;display:flex}.hero-visual__header small{color:var(--green)}.hero-visual__label{color:var(--ink-soft);margin:26px 0 0;font-size:.82rem}.hero-visual>strong{letter-spacing:-.03em;font-variant-numeric:tabular-nums;margin:2px 0 24px;font-size:clamp(2.4rem,4.4vw,3.4rem);font-weight:700;line-height:1.04;display:block}.hero-meter{background:var(--paper-deep);border-radius:3px;height:18px;display:flex;overflow:hidden}.hero-meter span{background:var(--green);width:70.35%}.hero-meter i{background:var(--coral);width:22%}.hero-meter b{background:var(--yellow);width:7.65%}.hero-visual dl{margin:18px 0 22px}.hero-visual dl div{border-bottom:1px solid var(--line);justify-content:space-between;gap:20px;padding:9px 0;font-size:.84rem;display:flex}.hero-visual dt{color:var(--ink-soft)}.hero-visual dd{margin:0;font-weight:750}.hero-visual__note{color:var(--green);margin:0;font-size:.76rem;font-weight:700}.hero-visual__note span{margin-right:5px}.proof-strip{border-block:1px solid var(--line);background:var(--surface)}.proof-strip p{min-height:70px;color:var(--ink-soft);justify-content:space-between;align-items:center;gap:22px;margin:0;font-size:.8rem;font-weight:650;display:flex}.proof-strip strong{color:var(--ink)}.proof-strip span:before{content:"•";color:var(--coral);margin-right:22px}.home-section{padding-block:clamp(56px,6vw,84px)}.section-heading{margin-bottom:36px}.section-heading h2{margin:0;font-size:clamp(1.9rem,3.4vw,2.9rem)}.section-heading--split{justify-content:space-between;align-items:end;gap:30px;display:flex}.featured-grid{grid-template-columns:repeat(3,1fr);gap:18px;display:grid}.featured-card{border:1px solid var(--line);border-radius:var(--radius);flex-direction:column;min-height:360px;padding:24px;transition:transform .18s,box-shadow .18s;display:flex}.featured-card:hover{box-shadow:var(--shadow);transform:translateY(-3px)}.featured-card--coral{background:var(--coral-soft)}.featured-card--blue{background:var(--blue-soft)}.featured-card--green{background:var(--green-soft)}.featured-card--yellow{background:#fbf0d8}.featured-card__top{color:var(--ink-soft);letter-spacing:.1em;text-transform:uppercase;justify-content:space-between;font-size:.72rem;font-weight:800;display:flex}.featured-card h3{max-width:290px;margin:36px 0 14px;font-family:Georgia,serif;font-size:1.7rem;font-weight:500}.featured-card>p{max-width:330px;color:var(--ink-soft)}.featured-card__stat{border-block:1px solid #15212538;align-items:baseline;gap:10px;margin-top:auto;padding-block:22px;display:flex}.featured-card__stat strong{letter-spacing:-.03em;font-variant-numeric:tabular-nums;font-size:1.7rem;font-weight:700}.featured-card__stat span{color:var(--ink-soft);font-size:.75rem}.featured-card__action{justify-content:space-between;padding-top:20px;font-size:.85rem;font-weight:800;display:flex}.principles-section{background:var(--ink);color:var(--surface);padding-block:clamp(86px,10vw,140px)}.principles-grid{grid-template-columns:.75fr 1.25fr;gap:clamp(60px,10vw,150px);display:grid}.principles-grid h2{max-width:430px;font-size:clamp(3rem,5vw,5rem)}.principles-grid .eyebrow{color:#77d5be}.principles-grid ol{margin:0;padding:0;list-style:none}.principles-grid li{border-top:1px solid #fff3;grid-template-columns:54px 1fr;gap:20px;padding:25px 0;display:grid}.principles-grid li:last-child{border-bottom:1px solid #fff3}.principles-grid li>span{color:#77d5be;font-size:.75rem;font-weight:800}.principles-grid h3{margin-bottom:7px;font-size:1.15rem}.principles-grid p{color:#ffffff9e;margin:0}.cta-section{justify-content:space-between;align-items:center;gap:40px;min-height:330px;display:flex}.cta-section h2{margin:0;font-size:clamp(2.8rem,5vw,5rem)}.directory-hero{border-bottom:1px solid var(--line);background:linear-gradient(125deg, var(--paper) 55%, var(--blue-soft));padding:92px 0 80px}.directory-hero--tax{background:linear-gradient(125deg, var(--paper) 55%, var(--coral-soft))}.directory-hero--rewards{background:linear-gradient(125deg, var(--paper) 55%, var(--green-soft))}.directory-hero--home{background:linear-gradient(125deg, var(--paper) 55%, #fff0c8)}.directory-hero h1{max-width:870px;margin-bottom:22px;font-size:clamp(3.4rem,7vw,6.6rem)}.directory-hero .lede{max-width:760px}.directory-section{padding-block:80px 110px}.directory-grid{grid-template-columns:repeat(3,1fr);gap:18px;display:grid}.directory-card{border:1px solid var(--line-dark);border-radius:16px 16px 16px 4px;flex-direction:column;min-height:320px;padding:26px;transition:transform .16s;display:flex}.directory-card:hover{transform:translateY(-4px)}.directory-card--coral{background:var(--coral-soft)}.directory-card--blue{background:var(--blue-soft)}.directory-card--green{background:var(--green-soft)}.directory-card--yellow{background:#fff0c8}.directory-card>div{color:var(--ink-soft);text-transform:uppercase;justify-content:space-between;font-size:.73rem;font-weight:800;display:flex}.directory-card h2{margin:48px 0 16px;font-size:2rem}.directory-card p{color:var(--ink-soft)}.directory-card>strong{margin-top:auto;font-size:.86rem}.roadmap-note{border-left:4px solid var(--coral);max-width:820px;margin-top:100px;padding-left:30px}.roadmap-note h2{font-size:2.4rem}.roadmap-note>p:last-child{color:var(--ink-soft)}.calculator-hero{border-bottom:1px solid var(--line);background:linear-gradient(145deg, var(--paper) 60%, #d9eee7bf);padding:32px 0 44px}.breadcrumbs{color:var(--ink-soft);flex-wrap:wrap;gap:9px;margin-bottom:70px;font-size:.78rem;display:flex}.breadcrumbs a{text-decoration:underline;-webkit-text-decoration-color:var(--line-dark);-webkit-text-decoration-color:var(--line-dark);-webkit-text-decoration-color:var(--line-dark);text-decoration-color:var(--line-dark);text-underline-offset:3px;padding-block:6px;display:inline-block}.calculator-hero__copy{max-width:960px}.calculator-hero h1{margin-bottom:18px;font-size:clamp(2rem,3.6vw,3rem)}.calculator-hero .lede{max-width:70ch;font-size:1.05rem}.trust-row{flex-wrap:wrap;gap:10px;margin-top:22px;display:flex}.trust-row span,.local-badge{border:1px solid var(--line-dark);background:var(--surface);color:var(--ink-soft);border-radius:999px;padding:6px 11px;font-size:.7rem;font-weight:700}.trust-row span.trust-row__year{border-color:var(--green);background:var(--green-soft);color:var(--green)}.source-year{border-left:3px solid var(--green);border-radius:var(--radius-xs);background:var(--green-soft);margin-bottom:14px;padding:13px 15px}.calculator-layout{grid-template-columns:minmax(0,820px) minmax(210px,1fr);align-items:start;gap:42px;padding-top:48px;display:grid}.calculator-layout__aside{gap:26px;display:grid;position:sticky;top:24px}.aside-note{border:1px solid var(--line);border-left:3px solid var(--green);border-radius:var(--radius-xs);background:var(--surface);padding:20px}.aside-note p{color:var(--ink-soft);margin:0;font-size:.85rem}.aside-note .aside-note__label{color:var(--ink);margin-bottom:8px;font-weight:800}.ad-slot{width:100%;min-width:0;min-height:300px;color:var(--ink-soft);text-align:center;display:block}.ad-slot[data-ad-state=blocked-host]{display:none}.ad-slot--calculator-sidebar,.ad-slot--sidebar-secondary{min-height:620px}.ad-slot--related-multiplex{min-height:400px;margin-block:40px 0}.ad-slot--result-after,.ad-slot--methodology-inline,.ad-slot--methodology-after,.ad-slot--example-after,.ad-slot--faq-after{min-height:300px;margin-block:54px}.ad-slot--mobile-anchor{z-index:40;border-top:1px solid var(--line);background:var(--surface);height:100px;min-height:0;padding:4px 0;position:fixed;inset:auto 0 0;box-shadow:0 -6px 24px #0e1a1f1f}.ad-slot--mobile-anchor.is-dismissed{display:none}.ad-slot--mobile-anchor .ad-slot__label{margin-bottom:2px}.ad-slot__dismiss{width:28px;height:28px;color:var(--ink-soft);background:0 0;border:0;border-radius:50%;font-size:1.15rem;line-height:1;position:absolute;top:2px;right:6px}@media (min-width:901px){.ad-slot--mobile-anchor{display:none}}@media (max-width:900px){body:has(.ad-slot--mobile-anchor:not(.is-dismissed)){padding-bottom:108px}.article-wrap>.ad-slot,.article-section .ad-slot,.calculator-layout__aside>.ad-slot{width:100vw;max-width:100vw;margin-inline:calc(50% - 50vw)}}.ad-slot__label{letter-spacing:.12em;text-transform:uppercase;margin-bottom:8px;font-size:.62rem;display:block}.adsbygoogle{min-width:0}.calculator-card{border:1px solid var(--line);border-radius:var(--radius);background:var(--surface);box-shadow:var(--shadow);overflow:hidden}.calculator-card__header{border-bottom:1px solid var(--line);justify-content:space-between;align-items:start;gap:24px;padding:28px 30px 24px;display:flex}.calculator-card__header h2{letter-spacing:-.02em;margin:0;font-family:inherit;font-size:clamp(1.2rem,1.9vw,1.45rem);font-weight:700}.step-label{color:var(--ink-soft);letter-spacing:.12em;text-transform:uppercase;margin:0 0 6px;font-size:.68rem;font-weight:850}.local-badge{white-space:nowrap;background:var(--green-soft);color:var(--green);border-color:#0000}.calculator-card form{padding:26px 30px 30px}.field-grid{grid-template-columns:repeat(2,1fr);gap:22px;display:grid}.filing-state-basic .field,.field--wide{grid-column:1/-1}.field label,fieldset legend{margin-bottom:8px;font-size:.82rem;font-weight:780;display:block}.field input,.field select,.calculator-card select{border:1px solid var(--line-dark);border-radius:var(--radius-xs);background:var(--surface);width:100%;min-height:48px;color:var(--ink);padding:0 14px;transition:border-color .14s,box-shadow .14s}.field input:hover,.field select:hover{border-color:var(--ink-soft)}.field input:focus,.field select:focus{border-color:var(--blue);box-shadow:0 0 0 3px var(--blue-soft);outline:none}.money-input{align-items:center;display:flex;position:relative}.money-input>span{z-index:1;color:var(--ink-soft);font-weight:700;position:absolute;left:14px}.money-input input{font-variant-numeric:tabular-nums;padding-left:34px;font-size:1.05rem;font-weight:700}.money-input--suffix input{padding-left:14px;padding-right:44px}.money-input--suffix>span{left:auto;right:14px}.field__hint{color:var(--ink-soft);margin:6px 0 0;font-size:.7rem;line-height:1.4}.advanced-panel{border-block:1px solid var(--line);margin:28px 0}.advanced-panel>summary{justify-content:space-between;align-items:center;gap:20px;padding:18px 2px;list-style:none;display:flex}.advanced-panel>summary::-webkit-details-marker{display:none}.advanced-panel>summary>span:first-child{display:grid}.advanced-panel summary strong{font-size:.9rem}.advanced-panel summary small{color:var(--ink-soft);font-size:.7rem;font-weight:450}.advanced-panel>summary>span:last-child{font-size:1.6rem;transition:transform .18s}.advanced-panel[open]>summary>span:last-child{transform:rotate(45deg)}.advanced-panel__body{gap:28px;padding:6px 0 28px;display:grid}fieldset{border:0;min-width:0;margin:0;padding:0}.choice-card{border:1px solid var(--line);cursor:pointer;border-radius:8px;align-items:flex-start;gap:11px;margin-top:9px;padding:13px 14px;display:flex}.choice-card:has(input:checked){border-color:var(--green);background:var(--green-soft)}.choice-card input{accent-color:var(--green);margin-top:4px}.choice-card span,.check-row span{display:grid}.choice-card strong,.check-row strong{font-size:.78rem}.choice-card small,.check-row small{color:var(--ink-soft);font-size:.68rem}.check-row{border:1px solid var(--line);border-radius:8px;align-items:flex-start;gap:11px;padding:15px;display:flex}.check-row input{accent-color:var(--coral);margin-top:5px}.form-error{color:var(--coral);margin:-10px 0 18px;font-size:.8rem;font-weight:750}.calculator-card form>.primary-button{width:100%}.spouse-grid{grid-template-columns:1fr 1fr;gap:16px;display:grid}.spouse-panel{border:1px solid var(--line);background:var(--paper);border-radius:10px;padding:18px}.spouse-panel legend{color:var(--blue);padding:0 5px}.spouse-panel .field+.field{margin-top:17px}.result-panel{border-top:1px solid var(--line);background:var(--paper);padding:30px}.result-panel:focus{outline:none}.result-panel:focus-visible{outline:2px solid var(--blue);outline-offset:-3px}.visually-hidden{clip:rect(0 0 0 0);clip-path:inset(50%);white-space:nowrap;border:0;width:1px;height:1px;margin:-1px;padding:0;position:absolute;overflow:hidden}.result-hero{border-radius:var(--radius-sm);background:var(--green);color:#fff;padding:26px;position:relative;overflow:hidden}.result-hero--comparison{background:var(--blue)}.result-hero--rewards{background:var(--ink)}.result-hero--project{background:var(--green)}.result-hero--negative{background:#97372a}.result-hero p,.result-hero strong,.result-hero span{z-index:1;position:relative}.result-hero p{color:#ffffffc2;text-transform:uppercase;letter-spacing:.08em;margin-bottom:7px;font-size:.72rem;font-weight:700}.result-hero strong{letter-spacing:-.03em;font-size:clamp(2.1rem,4.6vw,3.1rem);font-weight:700;line-height:1.04;display:block}.result-hero span{color:#fffc;margin-top:11px;font-size:.8rem;display:block}.stacked-figure,.comparison-figure,.column-figure,.cost-figure,.sensitivity-figure,.payback-figure{border:1px solid var(--line);background:var(--surface);border-radius:12px;margin:26px 0 0;padding:22px}figure figcaption{letter-spacing:.06em;text-transform:uppercase;color:var(--ink-soft);margin-bottom:18px;font-size:.8rem;font-weight:750}.stacked-meter{background:var(--line);border-radius:7px;height:44px;display:flex;overflow:hidden}.stacked-meter span{min-width:0;transition:width .3s}.is-take-home{background:var(--green)}.is-federal{background:var(--coral)}.is-payroll{background:var(--yellow)}.is-state{background:var(--blue)}.legend-grid{grid-template-columns:repeat(4,1fr);gap:14px;margin-top:16px;display:grid}.legend-grid>div{grid-template-columns:11px 1fr;column-gap:7px;min-width:0;display:grid}.legend-dot{border-radius:2px;width:9px;height:9px;margin-top:5px}.legend-grid p{color:var(--ink-soft);margin:0;font-size:.72rem}.legend-grid strong{font-variant-numeric:tabular-nums;grid-column:2;font-size:.84rem}.comparison-figure{padding-top:22px}.bar-row{grid-template-columns:minmax(90px,150px) minmax(0,1fr) auto;align-items:center;gap:14px;margin-top:14px;display:grid}.bar-row>span{color:var(--ink-soft);font-size:.74rem;font-weight:700}.bar-row>div{background:var(--line);border-radius:4px;height:18px;overflow:hidden}.bar-row i{border-radius:inherit;background:var(--coral);min-width:3px;height:100%;transition:width .3s;display:block}.bar-row--estimate i{background:var(--blue)}.bar-row strong{text-align:right;font-size:.95rem;font-weight:700}.insight{border-left:3px solid var(--green);background:var(--green-soft);margin:24px 0 0;padding:14px 16px;font-size:.78rem}.insight--warn{border-color:var(--coral);background:var(--coral-soft)}.calculation-details{border-top:1px solid var(--line);margin-top:24px}.calculation-details summary{padding:18px 0 12px;font-size:.8rem;font-weight:800}.calculation-details dl{margin:0}.calculation-details dl div{color:var(--ink-soft);justify-content:space-between;gap:20px;padding:8px 0;font-size:.75rem;display:flex}.calculation-details dd{color:var(--ink);margin:0;font-weight:750}.calculation-details .is-total{border-top:1px solid var(--line-dark);color:var(--ink);margin-top:8px;padding-top:14px;font-weight:800}.result-disclaimer{color:var(--ink-soft);margin:24px 0 0;font-size:.7rem;line-height:1.5}.column-figure{padding-top:22px}.column-chart{border-bottom:1px solid var(--line-dark);justify-content:center;align-items:end;gap:clamp(60px,16vw,160px);height:260px;padding-top:34px;display:flex}.column-chart>div{grid-template-rows:28px 1fr 35px;place-items:end center;width:min(180px,35%);height:100%;display:grid}.column-chart strong{font-size:.82rem}.column-bar{border-radius:5px 5px 0 0;align-self:end;width:84px;max-height:100%;transition:height .3s}.column-bar.is-joint{background:var(--blue)}.column-bar.is-separate{background:var(--coral)}.column-chart p{color:var(--ink-soft);margin:9px 0 0;font-size:.72rem}.mini-metrics{border-top:1px solid var(--line-dark);grid-template-columns:repeat(3,1fr);gap:18px;margin-top:24px;padding-top:18px;display:grid}.mini-metrics>div{border-left:3px solid var(--line-dark);min-width:0;padding-left:12px;display:grid}.mini-metrics>div:first-child{border-left-color:var(--green)}.mini-metrics>div:nth-child(2){border-left-color:var(--blue)}.mini-metrics>div:nth-child(3){border-left-color:var(--coral)}.mini-metrics span{color:var(--ink-soft);font-size:.72rem}.mini-metrics strong{font-size:1rem;font-weight:700}.bucket-grid{gap:12px;margin-top:28px;display:grid}.bucket-figure{border:1px solid var(--line);background:var(--surface);margin:0;padding:18px}.bucket-figure figcaption{margin-bottom:12px}.bucket-track{background:var(--line);border-radius:6px;min-height:42px;display:flex;overflow:hidden}.bucket-track>i{background:var(--blue);color:#fff;flex-basis:0;place-items:center;min-width:4px;font-style:normal;transition:flex-grow .3s;display:grid}.bucket-track>i:nth-child(2){background:var(--green)}.bucket-track>i:nth-child(3){background:var(--coral)}.bucket-track>i:nth-child(4){background:#8c5f9d}.bucket-track>i:nth-child(5){background:#c18c2d}.bucket-track>i:nth-child(6){background:#496c77}.bucket-track>i:nth-child(7){background:#7a5e49}.bucket-track>i:nth-child(n+8){background:#694851}.bucket-track span{padding:3px;font-size:.65rem;font-weight:850}.bucket-legend{flex-wrap:wrap;gap:7px 14px;margin-top:12px;display:flex}.bucket-legend>span{color:var(--ink-soft);align-items:center;gap:5px;font-size:.66rem;display:inline-flex}.bucket-legend>span>i{background:var(--blue);border-radius:2px;width:8px;height:8px}.bucket-legend>span:nth-child(2)>i{background:var(--green)}.bucket-legend>span:nth-child(3)>i{background:var(--coral)}.bucket-legend>span:nth-child(4)>i{background:#8c5f9d}.bucket-legend>span:nth-child(5)>i{background:#c18c2d}.bucket-legend>span:nth-child(6)>i{background:#496c77}.bucket-legend>span:nth-child(7)>i{background:#7a5e49}.bucket-legend>span:nth-child(n+8)>i{background:#694851}.bucket-empty{border-left:3px solid var(--green);background:var(--green-soft);color:var(--ink-soft);margin:0;padding:12px 14px;font-size:.72rem}.result-note{color:var(--ink-soft);margin:14px 0 0;font-size:.7rem}.cost-bar-row+.cost-bar-row{margin-top:22px}.cost-bar-row>div:first-child{justify-content:space-between;margin-bottom:6px;font-size:.76rem;display:flex}.cost-track{background:var(--line);height:28px}.cost-track span{height:100%;transition:width .3s;display:block}.cost-track .is-cash{background:var(--coral)}.cost-track .is-points{background:var(--green)}.redemption-gauge{border-block:1px solid var(--line);grid-template-columns:1fr 1fr;margin-top:28px;display:grid}.redemption-gauge>div{text-align:center;padding:18px;display:grid}.redemption-gauge>div+div{border-left:1px solid var(--line)}.redemption-gauge span,.redemption-gauge small{color:var(--ink-soft);font-size:.66rem}.redemption-gauge strong{font-family:Georgia,serif;font-size:2rem}.range-figure{border-block:1px solid var(--line);margin:32px 0 0;padding:24px 0 4px}.range-scale{background:linear-gradient(90deg, var(--green-soft), var(--yellow), var(--coral-soft));border-radius:999px;height:22px;margin:18px 4px 12px;position:relative}.range-scale:before,.range-scale:after{content:"";background:var(--line-dark);width:1px;height:32px;position:absolute;top:-5px}.range-scale:before{left:0}.range-scale:after{right:0}.range-scale>span{background:var(--ink);border-radius:2px;width:4px;height:36px;position:absolute;top:-7px;transform:translate(-2px)}.range-labels{grid-template-columns:1fr 1.3fr 1fr;gap:8px;display:grid}.range-labels>div{display:grid}.range-labels .is-center{text-align:center}.range-labels>div:last-child{text-align:right}.range-labels small{color:var(--ink-soft);font-size:.62rem}.range-labels strong{font-variant-numeric:tabular-nums;font-size:.8rem}.project-meter .is-green,.project-legend .is-green{background:var(--green)}.project-meter .is-blue,.project-legend .is-blue{background:var(--blue)}.project-meter .is-coral,.project-legend .is-coral{background:var(--coral)}.project-meter .is-yellow,.project-legend .is-yellow{background:var(--yellow)}.project-legend{grid-template-columns:repeat(auto-fit,minmax(110px,1fr))}.payback-chart{gap:16px;display:grid}.payback-row{grid-template-columns:58px minmax(100px,1fr) 82px;align-items:center;gap:12px;display:grid}.payback-row>span{color:var(--ink-soft);font-size:.7rem;font-weight:750}.payback-row>div{background:linear-gradient(90deg,#e6d2cba6 0 50%,#cce3d9b8 50% 100%);border-radius:4px;height:22px;position:relative}.payback-row>div:after{content:"";background:var(--ink-soft);opacity:.55;width:1px;position:absolute;top:-3px;bottom:-3px;left:50%}.payback-row i{border-radius:3px;transition:width .3s;display:block;position:absolute;top:3px;bottom:3px}.payback-row.is-negative i{background:var(--coral);right:50%}.payback-row.is-positive i{background:var(--green);left:50%}.payback-row strong{text-align:right;font-variant-numeric:tabular-nums;font-family:Georgia,serif;font-size:.82rem}.sensitivity-figure{padding-top:22px}.sensitivity-row{grid-template-columns:130px 1fr 78px;align-items:center;gap:12px;margin-top:16px;display:grid}.sensitivity-row>span{color:var(--ink-soft);font-size:.72rem;display:grid}.sensitivity-row small{font-size:.62rem}.sensitivity-row>div{background:var(--line);border-radius:4px;height:20px;overflow:hidden}.sensitivity-row i{border-radius:inherit;background:var(--green);min-width:3px;height:100%;transition:width .3s;display:block}.sensitivity-row i.is-negative{background:var(--coral)}.sensitivity-row strong{text-align:right;font-size:.78rem}.article-wrap{padding-top:56px}.article-wrap>.ad-slot--result-after{min-height:300px;margin:0 0 74px}.article-section{border-top:1px solid var(--line);grid-template-columns:90px minmax(0,760px);justify-content:center;gap:34px;padding:70px 0;display:grid}.article-section--tint{background:var(--surface);border:0;margin-inline:-20px;padding-inline:20px}.section-number{color:var(--coral);font-size:.72rem;font-weight:850}.article-section h2{margin-bottom:28px;font-size:clamp(2.3rem,4vw,3.8rem)}.article-section h3{margin:34px 0 10px;font-size:1.2rem}.prose-stack>p,.article-section>div>p{color:#465255}.prose-stack>p{max-width:72ch}.formula-card{border-left:4px solid var(--blue);background:var(--blue-soft);margin:32px 0;padding:22px 24px}.formula-card span{color:var(--blue);letter-spacing:.1em;text-transform:uppercase;margin-bottom:7px;font-size:.68rem;font-weight:850;display:block}.formula-card strong{font-family:Georgia,serif;font-size:1.2rem;line-height:1.5;display:block}.content-callout{border:1px solid var(--line-dark);background:var(--paper);border-radius:12px 12px 12px 3px;margin:34px 0;padding:24px}.content-callout>strong{font-family:Georgia,serif;font-size:1.25rem}.content-callout p{color:var(--ink-soft);margin:8px 0 0}.example-flow{grid-template-columns:repeat(7,auto);align-items:center;gap:12px;margin:32px 0;display:grid}.example-flow--three{grid-template-columns:repeat(3,1fr)}.example-flow>div{border:1px solid var(--line-dark);background:var(--paper);align-content:center;min-height:104px;padding:15px;display:grid}.example-flow span{color:var(--ink-soft);font-size:.66rem}.example-flow strong{font-family:Georgia,serif;font-size:1.3rem}.example-flow>b{color:var(--coral)}.faq-list details{border-top:1px solid var(--line)}.faq-list details:last-child{border-bottom:1px solid var(--line)}.faq-list summary{padding:20px 2px;font-weight:800;list-style-position:outside}.faq-list details div{color:var(--ink-soft);padding:0 20px 16px}.source-list{margin:26px 0 0;padding:0;list-style:none}.source-list li{border-top:1px solid var(--line);gap:2px;padding:16px 0;display:grid}.source-list a{color:var(--blue);text-underline-offset:3px;font-weight:800;text-decoration:underline}.source-list span{color:var(--ink-soft);font-size:.75rem}.related-section{border-top:1px solid var(--line);padding:90px 0 110px}.card-grid--related{grid-template-columns:repeat(2,1fr);gap:16px;display:grid}.tool-card{border:1px solid var(--line-dark);background:var(--surface);border-radius:13px 13px 13px 3px;min-height:220px;padding:24px;transition:transform .16s}.tool-card:hover{transform:translateY(-4px)}.tool-card__arrow{float:right;color:var(--coral);font-size:1.2rem}.tool-card h3{margin:52px 0 12px;font-family:Georgia,serif;font-size:1.6rem}.tool-card p{color:var(--ink-soft);margin:0}.content-page{padding:86px 0 120px}.content-page__inner{max-width:800px}.content-page h1{margin-bottom:26px;font-size:clamp(3.3rem,7vw,6rem)}.content-page h2{margin:52px 0 14px;font-size:2.2rem}.content-page h3{margin:34px 0 10px}.content-page p,.content-page li{color:var(--ink-soft)}.content-page a{color:var(--blue);text-decoration:underline}.site-footer{background:var(--ink);color:#fff;padding:62px 0}.site-footer nav a,.site-footer__link-button{padding-block:10px;display:inline-block}.site-footer__inner{grid-template-columns:1fr auto 1fr;align-items:start;gap:50px;width:min(1180px,100% - 40px);margin-inline:auto;display:grid}.brand--footer .brand__mark{color:var(--ink);background:#fff}.site-footer p{color:#ffffff94;margin:12px 0 0;font-size:.78rem}.site-footer nav{justify-items:start;gap:8px;font-size:.8rem;display:grid}.site-footer__link-button{color:inherit;font:inherit;cursor:pointer;background:0 0;border:0;padding:0}.site-footer__link-button:hover{text-underline-offset:3px;text-decoration:underline}.site-footer__disclaimer{justify-self:end;max-width:330px}.analytics-consent{z-index:100;border:1px solid var(--ink);background:var(--surface);border-radius:16px 16px 16px 4px;grid-template-columns:minmax(0,1fr) auto;align-items:end;gap:24px;width:min(650px,100% - 40px);padding:22px;display:grid;position:fixed;bottom:20px;right:20px;box-shadow:0 24px 80px #1521253d}.analytics-consent__label{color:var(--green);letter-spacing:.12em;text-transform:uppercase;margin-bottom:5px;font-size:.67rem;font-weight:850}.analytics-consent h2{letter-spacing:-.02em;margin-bottom:8px;font-family:inherit;font-size:1.1rem;font-weight:850}.analytics-consent>div>p:last-child{color:var(--ink-soft);margin:0;font-size:.78rem;line-height:1.55}.analytics-consent a{color:var(--blue);text-underline-offset:3px;text-decoration:underline}.analytics-consent__actions{white-space:nowrap;align-items:center;gap:10px;display:flex}.analytics-consent__actions .primary-button{min-height:44px;padding-inline:17px}.analytics-consent__secondary{min-height:44px;color:var(--ink-soft);background:0 0;border:0;padding:0 12px;font-weight:750}.analytics-consent__secondary:hover{color:var(--ink)}@media (prefers-reduced-motion:reduce){*,:before,:after{scroll-behavior:auto!important;transition:none!important}}@media (max-width:900px){.home-hero__inner{grid-template-columns:1fr}.hero-visual{width:min(560px,95%);margin-inline:auto;transform:none}.featured-grid,.directory-grid{grid-template-columns:1fr 1fr}.featured-card:last-child,.directory-card:last-child{grid-column:1/-1}.principles-grid,.calculator-layout{grid-template-columns:1fr}.calculator-layout__aside{grid-template-columns:1fr 1fr;position:static}.calculator-layout__aside>.ad-slot{grid-column:1/-1}.ad-slot--calculator-sidebar,.ad-slot--sidebar-secondary{min-height:300px}.ad-slot--related-multiplex{min-height:600px}.article-section{grid-template-columns:50px minmax(0,1fr);justify-content:stretch}.step-label,.choice-card small,.check-row small,.formula-card span,.example-flow span,.bucket-legend>span,.redemption-gauge span,.redemption-gauge small,.range-labels small,.sensitivity-row small,.analytics-consent__label{font-size:.72rem}.result-disclaimer,.field__hint{font-size:.76rem}.article-section--tint{margin-inline:-14px;padding-inline:14px}.site-footer__inner{grid-template-columns:1fr 1fr}.site-footer__disclaimer{grid-column:1/-1;justify-self:start}}@media (max-width:680px){.page-wrap,.site-header__inner,.site-footer__inner{width:min(100% - 28px,1180px)}.site-header__inner{flex-wrap:wrap;gap:0 16px;min-height:58px;padding-block:8px}.site-nav{overscroll-behavior-x:contain;scrollbar-width:none;white-space:nowrap;flex-wrap:nowrap;gap:4px;width:100%;margin-inline:-14px;padding-inline:14px;overflow-x:auto}.site-nav::-webkit-scrollbar{display:none}.site-nav__full{display:none}.site-nav__short{display:inline}.site-nav{-webkit-mask-image:linear-gradient(90deg,#000 calc(100% - 18px),#0000 100%);mask-image:linear-gradient(90deg,#000 calc(100% - 18px),#0000 100%)}.site-nav a{padding:11px 10px}.home-hero{padding-top:58px}.home-hero__copy h1{font-size:clamp(3.25rem,16vw,5rem)}.proof-strip p{flex-wrap:wrap;justify-content:flex-start;padding:16px 0}.proof-strip span:before{margin-right:10px}.section-heading--split,.cta-section{flex-direction:column;align-items:flex-start}.featured-grid,.directory-grid{grid-template-columns:1fr}.featured-card:last-child,.directory-card:last-child{grid-column:auto}.featured-card{min-height:390px}.calculator-hero{padding-top:26px}.breadcrumbs{margin-bottom:46px}.calculator-hero h1{font-size:clamp(1.8rem,7vw,2.4rem)}.calculator-layout{padding-top:42px}.calculator-layout__aside{grid-template-columns:1fr}.ad-slot--result-after,.ad-slot--methodology-inline,.ad-slot--methodology-after,.ad-slot--example-after,.ad-slot--faq-after{min-height:300px;margin-block:38px}.calculator-card__header,.calculator-card form,.result-panel{padding-inline:20px}.calculator-card__header{flex-direction:column;align-items:flex-start}.field-grid,.spouse-grid{grid-template-columns:1fr}.field--wide{grid-column:auto}.legend-grid{grid-template-columns:1fr 1fr}.bar-row{grid-template-columns:minmax(78px,120px) minmax(0,1fr) auto;gap:10px}.mini-metrics{grid-template-columns:1fr}.project-legend{grid-template-columns:1fr 1fr}.column-chart{gap:28px}.column-bar{width:64px}.article-wrap{padding-top:44px}.article-section{grid-template-columns:1fr;gap:4px;padding:50px 0}.article-section--tint{margin-inline:-14px;padding-inline:14px}.example-flow,.example-flow--three{grid-template-columns:1fr}.example-flow>b{text-align:center}.card-grid--related,.site-footer__inner{grid-template-columns:1fr}.site-footer__disclaimer{grid-column:auto}.analytics-consent{grid-template-columns:1fr;gap:18px;width:calc(100% - 28px);bottom:14px;right:14px}.analytics-consent__actions{justify-content:flex-end}}@media (max-width:380px){.trust-row span{text-align:center;width:100%}.result-hero{padding:20px}.result-hero strong{font-size:2.7rem}.result-hero p,.result-hero strong,.result-hero span{max-width:100%}.result-hero:after{opacity:.45}.stacked-figure,.comparison-figure,.column-figure,.cost-figure,.sensitivity-figure,.payback-figure{padding:17px}.legend-grid{grid-template-columns:1fr}.bar-row{grid-template-columns:1fr auto;align-items:end;gap:6px 10px}.bar-row>div{grid-column:1/-1}.redemption-gauge{grid-template-columns:1fr}.redemption-gauge>div+div{border-top:1px solid var(--line);border-left:0}.range-labels{grid-template-columns:1fr 1fr}.range-labels .is-center{text-align:center;grid-area:1/1/auto/-1;padding-bottom:6px}.sensitivity-row{grid-template-columns:1fr 62px}.sensitivity-row>div{grid-column:1}.sensitivity-row>strong{grid-area:2/2}.payback-row{grid-template-columns:48px minmax(80px,1fr) 68px;gap:8px}.payback-row strong{font-size:.72rem}.project-legend{grid-template-columns:1fr}}.mode-toggle{margin:18px 0 4px}.mode-toggle .check-row{margin:0}