*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;background:#f6f8fb;color:#172033;line-height:1.55}.wrap{width:min(1120px,calc(100% - 40px));margin:auto}.site-header{background:#fff;border-bottom:1px solid #e7ebf0;position:sticky;top:0;z-index:10}.nav{height:72px;display:flex;align-items:center;justify-content:space-between}.brand{font-size:24px;font-weight:900;color:#172033;text-decoration:none;letter-spacing:-1px}.brand span{color:#0b7a5b}.nav nav{display:flex;gap:24px}.nav nav a{color:#526071;text-decoration:none;font-size:14px;font-weight:650}.hero{background:#fff;padding:76px 0 80px;border-bottom:1px solid #e7ebf0}.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:70px;align-items:center}.eyebrow{font-size:12px;letter-spacing:1.7px;font-weight:800;color:#0b7a5b;margin-bottom:12px}.hero h1{font-size:clamp(42px,6vw,68px);line-height:1.02;letter-spacing:-3px;margin:0 0 22px;max-width:700px}.hero h1 span{color:#0b7a5b}.lead{font-size:19px;color:#5d6978;max-width:630px;margin:0 0 30px}.primary-btn{display:inline-flex;align-items:center;justify-content:center;background:#0b7a5b;color:#fff;border:0;border-radius:10px;padding:14px 20px;font-weight:800;text-decoration:none;cursor:pointer;box-shadow:0 8px 20px rgba(11,122,91,.16)}.primary-btn:hover{background:#096a50}.micro{font-size:12px;color:#7b8795;margin-top:14px}.hero-card{background:#172033;color:#fff;border-radius:20px;padding:32px;box-shadow:0 20px 50px rgba(20,31,48,.14)}.mini-label,.result-label{font-size:11px;letter-spacing:1.5px;font-weight:800;color:#8fa0b4}.big-number{font-size:50px;font-weight:900;letter-spacing:-2px;margin-top:8px}.mini-muted{color:#aab6c5}.preview-row{border-top:1px solid #334055;padding:14px 0 0;margin-top:18px;display:flex;justify-content:space-between;color:#b9c3d0}.preview-row strong{color:#fff}.section{padding:74px 0}.section-head{display:flex;align-items:end;justify-content:space-between;margin-bottom:24px}.section h2{font-size:32px;letter-spacing:-1.3px;margin:0}.ghost-btn{background:#fff;border:1px solid #dce2e9;border-radius:9px;padding:9px 13px;color:#526071;font-weight:700;cursor:pointer}.calculator-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}.panel{background:#fff;border:1px solid #e4e9ef;border-radius:16px;box-shadow:0 10px 30px rgba(20,31,48,.05)}.form-panel{padding:28px}.form-panel label{display:block;font-weight:750;font-size:14px;margin-bottom:18px;position:relative}.hint{float:right;font-size:11px;color:#8b96a4;font-weight:600}.form-panel input,.form-panel select{display:block;width:100%;margin-top:7px;padding:13px 14px;border:1px solid #d9e0e8;border-radius:9px;font:inherit;background:#fff;color:#172033;outline:none}.form-panel input:focus,.form-panel select:focus{border-color:#0b7a5b;box-shadow:0 0 0 3px rgba(11,122,91,.1)}.check-row{display:flex!important;align-items:center;gap:10px}.check-row input{width:auto!important;margin:0!important}.full{width:100%;margin-top:6px}.results{padding:28px}.net{font-size:46px;font-weight:900;letter-spacing:-2px;color:#0b7a5b;margin-top:3px}.result-sub{font-size:13px;color:#788493}.breakdown{margin-top:24px}.breakdown>div{display:flex;justify-content:space-between;padding:12px 0;border-bottom:1px solid #edf0f3;font-size:14px}.breakdown .total{font-weight:850;border-bottom:0;margin-top:4px;padding-top:16px}.formula-note{margin-top:18px;padding:12px 14px;background:#f2f7f5;border-radius:9px;color:#526b61;font-size:12px}.tool-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:26px}.tool-card{background:#fff;border:1px solid #e4e9ef;border-radius:14px;padding:20px;text-decoration:none;color:#172033;transition:.15s}.tool-card:hover{transform:translateY(-2px);box-shadow:0 10px 25px rgba(20,31,48,.06)}.tool-card b{display:block;font-size:16px;margin-bottom:5px}.tool-card span{display:block;color:#697585;font-size:13px}.notes{padding-top:0}.notes .panel{padding:26px;color:#586576;font-size:13px}.notes h2{color:#172033;font-size:21px}.notes a{color:#0b7a5b;font-weight:700}.notes code{font-size:11px}footer{background:#172033;color:#b9c3d0;padding:28px 0}.footer-inner{display:flex;justify-content:space-between;font-size:13px}.footer-inner strong{color:#fff}@media(max-width:800px){.hero-grid,.calculator-grid{grid-template-columns:1fr}.hero{padding:54px 0}.hero h1{letter-spacing:-2px}.tool-grid{grid-template-columns:1fr 1fr}.nav nav{display:none}}@media(max-width:520px){.wrap{width:min(100% - 24px,1120px)}.tool-grid{grid-template-columns:1fr}.section{padding:54px 0}.hero-card{padding:24px}.big-number{font-size:42px}.footer-inner{display:block}.footer-inner span{display:block;margin-top:4px}}

.section-copy{color:#697585;max-width:700px;margin:8px 0 0}.rate-preview{background:#f2f7f5;border:1px solid #dcece6;border-radius:10px;padding:13px 14px;margin:-2px 0 18px}.rate-preview span{display:block;font-size:13px;color:#526b61;font-weight:700}.rate-preview strong{display:block;font-size:22px;color:#0b7a5b;margin-top:2px}.rate-preview small{color:#788b84;font-size:11px}.legal-note{margin-top:18px;padding:22px 26px;color:#586576;font-size:13px}.legal-note strong{color:#172033}.legal-note p{margin:8px 0}.legal-note .small{font-size:12px}

.month-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-bottom:18px}.month-grid label{margin:0!important}.month-grid input{margin-top:5px!important}.month-name{font-size:12px;font-weight:750;color:#526071}@media(max-width:520px){.month-grid{grid-template-columns:1fr 1fr}}

#nsdForm input[type="time"]{font-variant-numeric:tabular-nums}

#separationForm select{line-height:1.3}

/* v2.9.15: mobile navigation */
.mobile-menu-btn{display:none;align-items:center;justify-content:center;width:44px;height:44px;padding:0;border:1px solid #dce2e9;border-radius:10px;background:#fff;color:#172033;font-size:24px;line-height:1;cursor:pointer}
@media(max-width:800px){
  .nav{position:relative}
  .mobile-menu-btn{display:inline-flex}
  .nav nav{display:none;position:absolute;top:64px;left:0;right:0;z-index:30;flex-direction:column;gap:0;padding:8px;background:#fff;border:1px solid #e4e9ef;border-radius:12px;box-shadow:0 16px 35px rgba(20,31,48,.14)}
  .nav nav.mobile-open{display:flex}
  .nav nav a{padding:12px 14px;border-radius:8px;font-size:15px}
  .nav nav a:hover,.nav nav a:focus{background:#f2f7f5;color:#0b7a5b}
}
#how .panel p{
Font-size:16px;
Font-weight:400;
Line-height:1.6;
}

/* v2.9.17: MWE safeguard */
.field-help{margin:-10px 0 16px 28px;color:#697585;font-size:12px;line-height:1.5}
.mwe-notice{margin:-4px 0 18px;padding:14px 16px;border:1px solid #dcece6;border-radius:10px;background:#f2f7f5;color:#526b61;font-size:12px;line-height:1.5}
.mwe-notice[hidden]{display:none}
.mwe-notice strong,.mwe-notice span,.mwe-notice a{display:block}
.mwe-notice strong{color:#172033;margin-bottom:3px}
.mwe-notice a{margin-top:7px;color:#0b7a5b;font-weight:800;text-decoration:none}
.mwe-notice a:hover,.mwe-notice a:focus{text-decoration:underline}


/* v2.9.18: MWE eligibility confirmation */
.mwe-confirm-row{display:flex!important;align-items:flex-start;gap:10px;margin:14px 0 0!important;padding-top:12px;border-top:1px solid #dcece6;color:#172033;font-weight:700!important}
.mwe-confirm-row input{width:auto!important;margin:3px 0 0!important;flex:0 0 auto}
.mwe-confirm-row span{display:block!important}
.mwe-confirm-help{margin-top:6px;color:#697585;font-size:11px}

/* v2.9.20: MWE guard result notice */
.mwe-guard-message {
margin: 0 0 22px;
padding: 16px 18px;
border: 1px solid #e9e2cf;
background: #fffdf7;
color: #5f4b16;
box-shadow: 0 4px 14px rgba(20, 31, 48, 0.03);
}
.mwe-guard-message strong {
display: block;
margin-bottom: 6px;
font-size: 15px;
font-weight: 800;
color: #4b3c12;
}
.mwe-guard-message p {
margin: 0;
font-size: 14px;
line-height: 1.55;
color: #6b5a2a;
}
@media (max-width: 520px) {
.mwe-guard-message {
padding: 14px 15px;
border-radius: 10px;
}
.mwe-guard-message strong {
font-size: 14px;
}
.mwe-guard-message p {
font-size: 13px;
}
}

/* How it works cards */
.how-grid {
display: grid;
grid-template-columns: repeat(2, minmax(0, 1fr));
gap: 18px;
margin-top: 28px;
}
.how-card {
padding: 22px;
border: 1px solid #e3e8e5;
border-radius: 14px;
background: #ffffff;
}
.how-card h3 {
margin: 0 0 10px;
font-size: 20px;
line-height: 1.25;
}
.how-card p {
margin: 0;
line-height: 1.6;
font-size: 15px;
}
@media (max-width: 700px) {
.how-grid {
grid-template-columns: 1fr;
}
}


/* SEO breadcrumbs v2.9.23 */
.breadcrumb{display:flex;align-items:center;gap:8px;padding-top:16px;padding-bottom:4px;font-size:13px;color:#697585}
.breadcrumb a{color:#0b7a5b;text-decoration:none;font-weight:700}
.breadcrumb a:hover,.breadcrumb a:focus{text-decoration:underline}
.breadcrumb span:last-child{overflow:hidden;text-overflow:ellipsis;white-space:nowrap}


/* v2.9.24: supporting SEO guides */
.article-hero{background:#fff;border-bottom:1px solid #e7ebf0;padding:54px 0 58px}
.article-hero h1{font-size:clamp(38px,5vw,58px);line-height:1.05;letter-spacing:-2.4px;margin:0 0 18px;max-width:860px}
.article-deck{font-size:18px;color:#5d6978;max-width:780px;margin:0}
.article-meta{margin-top:18px;font-size:12px;color:#7b8795}
.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 310px;gap:32px;align-items:start}
.article-body{background:#fff;border:1px solid #e4e9ef;border-radius:16px;padding:34px;box-shadow:0 10px 30px rgba(20,31,48,.04)}
.article-body h2{font-size:29px;margin:36px 0 12px;letter-spacing:-.8px}
.article-body h2:first-child{margin-top:0}
.article-body h3{font-size:20px;margin:26px 0 8px}
.article-body p,.article-body li{font-size:16px;color:#465365;line-height:1.72}
.article-body ul,.article-body ol{padding-left:22px}
.article-body a{color:#0b7a5b;font-weight:750}
.article-callout{padding:18px 20px;background:#f2f7f5;border:1px solid #dcece6;border-radius:12px;margin:22px 0;color:#405b51}
.article-callout strong{color:#172033}
.article-sidebar{position:sticky;top:94px}
.article-sidebar .panel{padding:22px}
.article-sidebar h2{font-size:20px;letter-spacing:-.5px;margin:0 0 10px}
.article-sidebar p{font-size:13px;color:#697585}
.article-sidebar .primary-btn{width:100%;margin-top:6px}
.guide-links{display:grid;gap:10px;margin-top:14px}
.guide-links a{display:block;padding:12px 13px;border:1px solid #e4e9ef;border-radius:10px;background:#fff;color:#172033;text-decoration:none;font-size:13px;font-weight:750}
.guide-links a:hover{border-color:#b8d9ce;color:#0b7a5b}
.answer-box{border-left:4px solid #0b7a5b;padding:13px 16px;background:#f7faf9;border-radius:0 10px 10px 0;margin:18px 0}
.answer-box p{margin:0;color:#405b51}
.article-faq{margin-top:26px}
.article-faq details{background:#fff;border:1px solid #e4e9ef;border-radius:12px;padding:0 18px;margin:10px 0}
.article-faq summary{cursor:pointer;font-weight:800;padding:16px 0;color:#172033}
.article-faq details p{margin:0 0 16px;color:#586576;font-size:14px}
@media(max-width:860px){.article-layout{grid-template-columns:1fr}.article-sidebar{position:static}.article-body{padding:25px}.article-hero{padding:42px 0 46px}}

/* Trust/footer additions */
.footer-inner{flex-wrap:wrap;gap:12px 22px}.footer-links{display:flex;flex-wrap:wrap;gap:10px 16px;margin-left:auto}.footer-links a{color:inherit;text-decoration:none}.footer-links a:hover{text-decoration:underline}.trust-body{max-width:850px}.trust-body h2{margin-top:30px}.trust-body li{margin-bottom:8px}

/* Editorial content and small-screen tables */
.article-flow {padding:clamp(22px,4vw,42px);line-height:1.75}
.article-flow p,.article-flow li {max-width:78ch}
.article-flow h2:not(:first-child) {margin-top:1.6em}
.article-flow h3 {margin-top:1.3em}
.article-flow li {margin:.35em 0}
.table-scroll {overflow-x:auto;margin:1.2rem 0}
.table-scroll table {width:100%;border-collapse:collapse;min-width:540px;text-align:left}
.table-scroll th,.table-scroll td {padding:.75rem;border-bottom:1px solid #dbe4ea;vertical-align:top}
.table-scroll th {background:#eef6f7}