@font-face{font-family:Archivo;font-style:normal;font-weight:600;font-display:swap;src:url(/fonts/archivo-600.woff2) format("woff2")}@font-face{font-family:Archivo;font-style:normal;font-weight:700;font-display:swap;src:url(/fonts/archivo-700.woff2) format("woff2")}@font-face{font-family:Archivo;font-style:normal;font-weight:800;font-display:swap;src:url(/fonts/archivo-800.woff2) format("woff2")}@font-face{font-family:Archivo;font-style:normal;font-weight:900;font-display:swap;src:url(/fonts/archivo-900.woff2) format("woff2")}@font-face{font-family:IBM Plex Mono;font-style:normal;font-weight:400;font-display:swap;src:url(/fonts/ibm-plex-mono-400.woff2) format("woff2")}@font-face{font-family:IBM Plex Mono;font-style:normal;font-weight:500;font-display:swap;src:url(/fonts/ibm-plex-mono-500.woff2) format("woff2")}@font-face{font-family:IBM Plex Mono;font-style:normal;font-weight:600;font-display:swap;src:url(/fonts/ibm-plex-mono-600.woff2) format("woff2")}@font-face{font-family:IBM Plex Sans;font-style:normal;font-weight:400;font-display:swap;src:url(/fonts/ibm-plex-sans-400.woff2) format("woff2")}@font-face{font-family:IBM Plex Sans;font-style:normal;font-weight:500;font-display:swap;src:url(/fonts/ibm-plex-sans-500.woff2) format("woff2")}@font-face{font-family:IBM Plex Sans;font-style:normal;font-weight:600;font-display:swap;src:url(/fonts/ibm-plex-sans-600.woff2) format("woff2")}:root{--ink: #16324a;--ink-soft: #4c5f70;--ink-mute: #7c8a97;--paper: #f4f7fb;--card: #ffffff;--line: rgba(22, 50, 74, .14);--line-soft: rgba(22, 50, 74, .08);--brand: #0f2438;--brand-2: #17324a;--brand-deep: #0b1c2e;--gauge-well: #0a1926;--gauge-line: #234258;--accent: #2563eb;--accent-ink: #1d4ed8;--ins: #1e5a8a;--ins-soft: #8fb6d8;--ins-bg: #eaf1fb;--good: #1f7a44;--good-bg: #e7f1ea;--good-ink: #1f7a44;--warn: #8a5400;--warn-bg: #fbf2dd;--warn-dot: #e0a32e;--bad: #b3261e;--bad-bg: #f6e4e2;--pad: 22px;--maxw: 1180px;--radius: 10px;--radius-sm: 7px;--mono: "IBM Plex Mono", ui-monospace, "SFMono-Regular", Menlo, Consolas, monospace;--sans: "IBM Plex Sans", system-ui, -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;--display: "Archivo", var(--sans)}@media(min-width:860px){:root{--pad: 40px}}*{box-sizing:border-box}html{-webkit-text-size-adjust:100%;overflow-x:clip}body{margin:0;font-family:var(--sans);color:var(--ink);background:var(--paper);line-height:1.6;overflow-x:clip}a{color:var(--accent-ink)}img,svg{max-width:100%}h1,h2,h3{font-family:var(--display);line-height:1.05;color:var(--ink);letter-spacing:-.02em;font-weight:800}h1{font-size:clamp(2rem,5vw,3rem);margin:6px 0 12px}h2{font-size:clamp(1.4rem,3.2vw,1.95rem);margin:30px 0 12px;font-weight:700}h3{font-size:1.2rem;margin:0 0 8px;font-weight:700}.skip-link{position:absolute;left:-999px;top:0;background:var(--accent);color:#fff;padding:10px 16px;z-index:100;border-radius:0 0 8px}.skip-link:focus{left:0}:focus-visible{outline:3px solid var(--accent);outline-offset:2px}.container{max-width:var(--maxw);margin:0 auto;padding:28px var(--pad) 60px}.container-wide{max-width:var(--maxw)}.inner{max-width:var(--maxw);margin:0 auto;padding-left:var(--pad);padding-right:var(--pad)}.tool-cta{display:block;background:var(--brand);color:#f7f8f9;border-radius:var(--radius);border-left:3px solid var(--accent);padding:20px 22px;margin:22px 0;text-decoration:none;transition:transform .15s}.tool-cta:hover{transform:translateY(-2px)}.tool-cta-eyebrow{display:block;font-family:var(--mono);font-size:.69rem;text-transform:uppercase;letter-spacing:.18em;color:var(--accent);margin-bottom:6px}.tool-cta-title{display:block;font-family:var(--display);font-weight:800;font-size:1.35rem;color:#fff;margin-bottom:6px}.tool-cta-sub{display:block;color:#c7cfd6;font-size:.95rem}.site-header{background:#fff;color:var(--ink);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}.site-header .inner{display:flex;align-items:center;justify-content:space-between;gap:14px;flex-wrap:wrap;padding-top:16px;padding-bottom:16px}.brand{display:flex;align-items:center;gap:11px;text-decoration:none;color:var(--ink)}.brand .b-word{font-family:var(--display);font-weight:800;font-size:1.2rem;letter-spacing:-.02em}.b-sub{color:var(--accent-ink)}.site-nav{display:flex;gap:14px 18px;align-items:center;flex-wrap:wrap}.site-nav a{color:var(--ink-soft);text-decoration:none;font-family:var(--mono);font-size:.69rem;font-weight:600;letter-spacing:.09em;text-transform:uppercase}.site-nav a:hover{color:var(--accent-ink)}.nav-cta{background:var(--accent);color:#fff!important;padding:10px 16px;border-radius:var(--radius-sm);letter-spacing:.08em}.eyebrow{font-family:var(--mono);text-transform:uppercase;letter-spacing:.2em;font-size:.69rem;font-weight:600;color:var(--accent-ink);display:flex;align-items:center;gap:9px;margin:0 0 14px}.eyebrow:before{content:"";flex:none;width:20px;height:13px;background:currentColor;-webkit-mask:no-repeat center / contain;mask:no-repeat center / contain;-webkit-mask-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='20' height='13' viewBox='0 0 20 13'%3E%3Cpath d='M1 12 H19 V1 Z' fill='none' stroke='black' stroke-width='1.6' stroke-linejoin='round'/%3E%3C/svg%3E");mask-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='20' height='13' viewBox='0 0 20 13'%3E%3Cpath d='M1 12 H19 V1 Z' fill='none' stroke='black' stroke-width='1.6' stroke-linejoin='round'/%3E%3C/svg%3E")}.lede{font-size:1.12rem;color:var(--ink-soft);margin:0 0 22px}.prose{max-width:74ch}.prose p,.prose li{color:#2c3742}.prose ul{padding-left:1.2em}.prose h2{border-top:1px solid var(--line);padding-top:22px}.crumbs{font-size:.85rem;color:var(--ink-soft);margin-bottom:14px;display:flex;gap:7px;flex-wrap:wrap}.crumbs a{color:var(--ink-soft);text-decoration:none}.crumbs a:hover{color:var(--accent-ink)}.dir-grid{display:grid;grid-template-columns:1fr;gap:16px;margin:18px 0}@media(min-width:720px){.dir-grid{grid-template-columns:repeat(3,1fr)}}.dir-card{display:block;background:var(--card);border:1px solid var(--line);border-top:3px solid var(--brand);border-radius:var(--radius);padding:20px;text-decoration:none;color:inherit;transition:border-color .15s,transform .15s}.dir-card:hover{border-color:var(--accent);border-top-color:var(--accent);transform:translateY(-2px)}.dir-card .open{color:var(--accent-ink);font-weight:600;font-size:.85rem;font-family:var(--mono)}.dir-card.method{background:var(--ins-bg);border-top-color:var(--ins)}.hero-chips{display:flex;flex-wrap:wrap;gap:8px;margin:4px 0 8px}.hero-chips span{background:var(--ins-bg);border:1px solid var(--line);border-radius:var(--radius-sm);padding:5px 12px;font-family:var(--mono);font-size:.72rem;color:var(--ink-soft)}.how-grid{display:grid;grid-template-columns:1fr;gap:24px;margin:16px 0 8px}@media(min-width:700px){.how-grid{grid-template-columns:repeat(3,1fr)}}.how-step{display:flex;gap:16px;align-items:flex-start}.how-step .n{flex:none;font-family:var(--display);font-weight:800;font-size:2.4rem;line-height:.85;letter-spacing:-.04em;color:var(--accent)}.how-step h3{margin:0 0 7px}.how-step p{margin:0;color:var(--ink-soft)}.lp-hero{padding-bottom:8px}.lp-hero h1{font-size:clamp(2.2rem,5.2vw,3.5rem);max-width:15ch;line-height:1.04;letter-spacing:-.03em}.lp-hero .lede{max-width:54ch;font-size:1.02rem;line-height:1.6}.hero-pills{display:flex;flex-wrap:wrap;gap:10px;margin-top:22px}.hero-pill{display:inline-flex;align-items:center;padding:9px 14px;background:var(--card);border:1px solid var(--line);border-radius:var(--radius-sm);font-family:var(--mono);font-size:.68rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;text-decoration:none;color:var(--ink-soft);transition:border-color .15s,color .15s,background .15s}.hero-pill:hover{border-color:var(--accent);color:var(--accent-ink)}.hero-pill.is-on{background:#c1632f14;border-color:#c1632f59;color:var(--accent-ink)}.hero-deck{margin-top:20px;background:var(--card);border:1px solid var(--line);border-top:3px solid var(--accent);border-radius:var(--radius);overflow:hidden;box-shadow:0 20px 50px -34px #1d2b368c,0 0 0 1px #1d2b360a}.hero-deck .calc-2col.calc-hero{display:flex;flex-direction:column;gap:0;margin:0}.hero-deck .calc-hero .inputs-box{border:0;border-radius:0;padding:24px 24px 20px;background:var(--card)}@media(min-width:768px){.hero-deck .calc-hero .inputs-box{display:grid;grid-template-columns:1fr 1fr;column-gap:36px;padding:28px 32px 24px}.hero-deck .calc-hero .inputs-head{grid-column:1 / -1}.hero-deck .calc-hero .field-group--size{grid-column:1;align-self:start}.hero-deck .calc-hero .field-group:not(.field-group--size){grid-column:2;align-self:start}}.hero-deck .calc-hero .result-xl{border-radius:0;margin:0;padding:26px 24px 28px;box-shadow:none}@media(min-width:768px){.hero-deck .calc-hero .result-xl{padding:28px 32px 32px}}@media(min-width:900px){.hero-deck .calc-hero .rbody{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:20px 44px;align-items:start}.hero-deck .calc-hero .num{grid-column:1;grid-row:1}.hero-deck .calc-hero .num-mid{grid-column:1;grid-row:2}.hero-deck .calc-hero .band{grid-column:1;grid-row:3}.hero-deck .calc-hero .band-ticks{grid-column:1;grid-row:4}.hero-deck .calc-hero .led{grid-column:2;grid-row:1 / 5;margin-top:0;padding-top:0;border-top:0;align-self:center}}.calc-hero .field-group{margin-bottom:10px}.calc-2col.calc-hero{align-items:stretch}.calc-hero .field{margin:7px 0}.calc-hero .inputs-head{margin-bottom:14px;padding-bottom:10px}.calc-hero .field-grid.cols-2{grid-template-columns:1fr}@media(min-width:1100px){.calc-hero .field-grid.cols-2{grid-template-columns:1fr 1fr}}.hero-verdict{display:grid;grid-template-columns:1fr;gap:14px;padding:18px 24px;background:linear-gradient(105deg,var(--good-bg) 0%,var(--ins-bg) 55%,var(--card) 100%);border-top:1px solid var(--line);text-decoration:none;color:inherit;transition:background .15s}@media(min-width:768px){.hero-verdict{grid-template-columns:auto 1fr auto;align-items:center;gap:20px 28px;padding:20px 32px}}.hero-verdict:hover{background:linear-gradient(105deg,#dcebe1 0%,#dfe9ef 55%,var(--card) 100%)}.hero-verdict-lead{display:flex;flex-direction:column;gap:6px;min-width:0}.hero-verdict-eyebrow{font-family:var(--mono);font-size:.64rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--ink-mute)}.hero-verdict-status{display:inline-flex;align-items:center;gap:9px;font-family:var(--display);font-weight:800;font-size:1.2rem;letter-spacing:-.02em;color:var(--ink);white-space:nowrap}.hero-verdict-status i{width:11px;height:11px;border-radius:50%;background:var(--good);box-shadow:0 0 0 4px #1f7a4429;font-style:normal;flex:none}.hero-verdict-chips{display:flex;flex-wrap:wrap;gap:8px;min-width:0}.hero-vchip{display:inline-flex;align-items:center;gap:7px;padding:7px 10px;background:var(--card);border:1px solid var(--line-soft);border-radius:var(--radius-sm);font-size:.78rem;font-weight:500;color:var(--ink);line-height:1.25}.hero-vchip>i{width:7px;height:7px;border-radius:50%;flex:none;font-style:normal}.hero-vchip>span{min-width:0}.hero-vchip em{flex:none;font-family:var(--mono);font-size:.56rem;font-weight:600;font-style:normal;letter-spacing:.08em;text-transform:uppercase;padding:3px 6px;border-radius:2px}.hero-verdict-go{font-family:var(--mono);font-size:.7rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--ins);white-space:nowrap}.hero-verdict:hover .hero-verdict-go{color:var(--ink)}.ridgeline{position:relative;height:1px;background:var(--line);margin:40px 0}.ridgeline:before{content:"";position:absolute;left:0;top:-5px;width:0;height:0;border-left:5px solid transparent;border-right:5px solid transparent;border-bottom:8px solid var(--accent)}.ins-band{background:var(--ins-bg);border-top:3px solid var(--ins);border-bottom:1px solid var(--line);margin-top:40px;margin-bottom:0;margin-left:calc(50% - 50dvw);margin-right:calc(50% - 50dvw);padding:40px max(var(--pad),calc(50dvw - 50%))}.ins-band .eyebrow{color:var(--ins)}.ins-band h2{border-top:0;padding-top:0;margin-top:0;max-width:none}.ins-band .ins-link{display:inline-flex;align-items:center;gap:8px;margin-top:18px;font-family:var(--mono);font-size:.72rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--ins);text-decoration:none}.ins-band .ins-link:hover{color:var(--ink)}.ins-grid{display:grid;grid-template-columns:1fr;gap:32px;align-items:start}@media(min-width:900px){.ins-grid{grid-template-columns:.9fr 1.1fr;gap:44px}}.ins-grid>*{min-width:0}.ins-band .ins-grid h2{margin:0;max-width:none;font-size:clamp(1.5rem,3vw,2rem)}.ins-band .ins-grid p{max-width:48ch}.acv-compare{background:var(--card);border:1px solid var(--line);border-top:3px solid var(--ins);border-radius:var(--radius);padding:24px 26px;box-shadow:0 16px 44px -30px #1d2b3659}.acv-compare-head .lbl{font-family:var(--mono);font-size:.62rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--ins)}.acv-compare-head .scenario{margin:8px 0 0;font-size:.88rem;color:var(--ink-soft);line-height:1.45}.acv-compare-steps{margin:18px 0;border:1px solid var(--line-soft);border-radius:var(--radius-sm);overflow:hidden}.acv-compare-steps .step-row{display:grid;grid-template-columns:24px 1fr auto;gap:10px;align-items:baseline;padding:10px 14px;border-bottom:1px solid var(--line-soft);font-family:var(--mono);font-size:.78rem}.acv-compare-steps .step-row:last-child{border-bottom:0}.acv-compare-steps .n{color:var(--ins);font-weight:600}.acv-compare-steps .t{color:var(--ink-soft)}.acv-compare-steps .v{color:var(--ink);font-weight:500;white-space:nowrap}.acv-compare-pays{display:grid;grid-template-columns:1fr;gap:12px}@media(min-width:520px){.acv-compare-pays{grid-template-columns:1fr 1fr}}.acv-compare-pays .pay-col{padding:16px;border-radius:var(--radius-sm);border:1px solid var(--line-soft)}.acv-compare-pays .pay-col.acv{background:#f4f6f7}.acv-compare-pays .pay-col.rcv{background:var(--ins-bg);border-color:#2f6d8c38}.acv-compare-pays .pay-lbl{display:block;font-family:var(--mono);font-size:.6rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--ink-mute);margin-bottom:6px}.acv-compare-pays .rcv .pay-lbl{color:var(--ins)}.acv-compare-pays .pay-num{display:block;font-family:var(--mono);font-size:1.65rem;font-weight:600;letter-spacing:-.02em;color:var(--ink);line-height:1}.acv-compare-pays .acv .pay-num{color:var(--ink-soft)}.acv-compare-pays .pay-note{display:block;margin-top:8px;font-size:.78rem;color:var(--ink-soft);line-height:1.4}.acv-compare-gap{margin-top:14px;padding:11px 14px;background:var(--brand);color:#cdd6db;border-left:3px solid var(--ins);border-radius:var(--radius-sm);font-family:var(--mono);font-size:.75rem;line-height:1.45}.acv-compare-gap strong{color:var(--ins-soft)}.acv-compare-cta{display:inline-flex;align-items:center;margin-top:18px;background:var(--ins);color:#fff;text-decoration:none;font-family:var(--mono);font-size:.72rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;padding:12px 18px;border-radius:var(--radius-sm);transition:background .15s,transform .15s}.acv-compare-cta:hover{background:#265a75;transform:translateY(-1px);color:#fff}.cov-table{border:1px solid var(--line);background:var(--card);border-radius:var(--radius);overflow:hidden;margin:6px 0 0}.cov-table .row{display:flex;align-items:center;justify-content:space-between;gap:18px;padding:15px 22px;border-bottom:1px solid var(--line-soft)}.cov-table .row:last-child{border-bottom:0}.cov-table .row .s{font-size:.94rem;font-weight:500;color:var(--ink)}.cov-table .row .v{flex:none;font-family:var(--mono);font-size:.62rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;padding:6px 11px;border-radius:var(--radius-sm)}.guides-dark{background:var(--brand);margin-top:40px;margin-bottom:8px;margin-left:calc(50% - 50dvw);margin-right:calc(50% - 50dvw);padding:48px max(var(--pad),calc(50dvw - 50%))}.guides-dark .eyebrow{color:var(--accent)}.guides-dark .eyebrow .ribbon{color:#cdd6db}.guides-grid{display:grid;grid-template-columns:1fr;gap:18px}@media(min-width:760px){.guides-grid{grid-template-columns:repeat(3,1fr)}}.guide-dark{display:block;background:#23323e;border:1px solid #33424e;padding:20px;border-radius:var(--radius);text-decoration:none;transition:border-color .15s,transform .15s}.guide-dark:hover{border-color:var(--accent);transform:translateY(-2px)}.guide-dark .meta{font-family:var(--mono);font-size:.62rem;font-weight:500;letter-spacing:.1em;text-transform:uppercase;color:var(--accent)}.guide-dark h3{margin:11px 0 8px;font-size:1.2rem;color:#f7f8f9}.guide-dark p{margin:0;font-size:.84rem;line-height:1.55;color:#9fabb3}.calc-2col,.verdict-grid{display:grid;grid-template-columns:1fr;gap:22px;margin:18px 0 8px;align-items:start}.calc-2col>*,.verdict-grid>*{min-width:0}@media(min-width:760px){.calc-2col,.verdict-grid{grid-template-columns:.92fr 1.08fr}}.calc-shell{margin:28px 0 12px}.calc-shell .calc-2col,.calc-shell .verdict-grid{display:flex;flex-direction:column;gap:0;margin:0;background:var(--card);border:1px solid var(--line);border-top:3px solid var(--accent);border-radius:var(--radius);overflow:hidden;box-shadow:0 18px 48px -32px #1d2b368c,0 0 0 1px #1d2b360a}.calc-shell .inputs-box,.calc-shell .verdict-q{order:0;border:0;border-radius:0;padding:28px 28px 16px;background:var(--card)}.calc-shell .result-xl,.calc-shell .verdict{order:1;border-radius:0;box-shadow:none;margin:0;border-left:0;border-right:0;border-bottom:0}.calc-shell .verdict{border-top:1px solid var(--line)}@media(min-width:880px){.calc-shell .calc-2col{display:grid;grid-template-columns:.9fr 1.1fr;align-items:stretch}.calc-shell .result-xl,.calc-shell .verdict{order:1;border-top:0}.calc-shell .inputs-box,.calc-shell .verdict-q{order:0;border-right:1px solid var(--line)}}.calc-shell .calc-note{margin:14px 4px 0;padding-left:2px}.calc-shell .verdict-legend{margin-top:20px}.calc-shell.ins .calc-2col{border-top-color:var(--ins)}.calc-shell.ins .inputs-head{color:var(--ins)}.calc-page-head{margin-bottom:4px}.calc-page-head .lede{max-width:58ch}.calc-chips{display:flex;flex-wrap:wrap;gap:8px;margin:0 0 6px}.calc-chips span{display:inline-flex;align-items:center;gap:6px;background:var(--card);border:1px solid var(--line);border-radius:var(--radius-sm);padding:6px 12px;font-family:var(--mono);font-size:.68rem;font-weight:500;color:var(--ink-soft);letter-spacing:.04em}.calc-chips span i{width:6px;height:6px;border-radius:50%;background:var(--accent);font-style:normal;flex:none}.calc-shell.ins .calc-chips span i{background:var(--ins)}.inputs-box,.verdict-q{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:22px}.inputs-head{display:flex;align-items:center;justify-content:space-between;gap:12px;font-family:var(--mono);font-size:.68rem;text-transform:uppercase;letter-spacing:.16em;color:var(--ink-mute);margin-bottom:18px;padding-bottom:12px;border-bottom:1px solid var(--line-soft)}.inputs-head .live{display:inline-flex;align-items:center;gap:6px;font-size:.62rem;letter-spacing:.12em;color:var(--good);font-weight:600}.inputs-head .live:before{content:"";width:7px;height:7px;border-radius:50%;background:var(--good);box-shadow:0 0 0 3px #1f7a442e;animation:calc-pulse 2.4s ease-in-out infinite}@keyframes calc-pulse{0%,to{opacity:1}50%{opacity:.45}}.field-group{margin-bottom:20px}.field-group:last-child{margin-bottom:0}.field-group-label{font-family:var(--mono);font-size:.62rem;font-weight:600;text-transform:uppercase;letter-spacing:.14em;color:var(--accent-ink);margin:0 0 10px}.field-grid{display:grid;grid-template-columns:1fr;gap:0 16px}@media(min-width:560px){.field-grid.cols-2{grid-template-columns:1fr 1fr}}@media(min-width:720px){.field-grid.cols-3{grid-template-columns:repeat(3,1fr)}}.field{margin:12px 0}.field label{display:flex;justify-content:space-between;align-items:baseline;gap:10px;font-weight:600;font-size:.9rem;margin-bottom:7px}.field .accent{color:var(--accent-ink);font-family:var(--mono);font-size:.82rem;font-weight:600;white-space:nowrap}select,input[type=number],input[type=text]{width:100%;padding:11px 36px 11px 13px;border:1px solid var(--line);border-radius:var(--radius-sm);font:inherit;background:#fff;color:var(--ink);transition:border-color .15s,box-shadow .15s;appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1.5 L6 6.5 L11 1.5' fill='none' stroke='%237a8890' stroke-width='1.6' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 13px center}input[type=number],input[type=text]{background-image:none;padding-right:13px}select:hover,input[type=number]:hover,input[type=text]:hover{border-color:#1d2b3647}select:focus,input[type=number]:focus,input[type=text]:focus{outline:none;border-color:var(--accent);box-shadow:0 0 0 3px #c1632f24}.range-wrap{position:relative;padding:4px 0 2px}input[type=range]{width:100%;height:6px;margin:0;accent-color:var(--accent);background:transparent;cursor:pointer}input[type=range]::-webkit-slider-runnable-track{height:6px;border-radius:3px;background:linear-gradient(to right,var(--accent) var(--pct, 40%),#e2e6e9 var(--pct, 40%))}input[type=range]::-moz-range-track{height:6px;border-radius:3px;background:#e2e6e9}input[type=range]::-moz-range-progress{height:6px;border-radius:3px;background:var(--accent)}input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:18px;height:18px;margin-top:-6px;border-radius:50%;background:#fff;border:2px solid var(--accent);box-shadow:0 1px 4px #1d2b3638;cursor:pointer}input[type=range]::-moz-range-thumb{width:18px;height:18px;border-radius:50%;background:#fff;border:2px solid var(--accent);box-shadow:0 1px 4px #1d2b3638;cursor:pointer}.checks{margin-top:12px;display:grid;gap:8px}.checks label{display:flex;gap:8px;align-items:flex-start;font-size:.9rem;font-weight:500}.toggle{display:grid;grid-template-columns:1fr 1fr;gap:4px;border:1px solid var(--line);border-radius:var(--radius-sm);padding:3px}.tog{font:inherit;font-family:var(--mono);font-size:.72rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;padding:9px 10px;border:0;border-radius:var(--radius-sm);background:transparent;color:var(--ink-mute);cursor:pointer}.tog[aria-pressed=true]{background:var(--ins);color:#fff}.result-xl{background:linear-gradient(165deg,var(--brand) 0%,var(--brand-deep) 100%);color:#f7f8f9;border-radius:var(--radius);padding:28px 28px 26px;box-shadow:inset 0 0 0 1px var(--gauge-line),0 18px 36px -26px #1d2b36e6}.calc-shell .result-xl{padding:30px 28px 28px}.rhead{display:flex;justify-content:space-between;gap:12px;font-family:var(--mono);font-size:.66rem;text-transform:uppercase;letter-spacing:.16em;color:var(--ink-mute)}.num{font-family:var(--mono);font-size:clamp(2.1rem,6.5vw,3.2rem);font-weight:600;letter-spacing:-.02em;line-height:.9;margin:14px 0 0;color:#fff}.num span{color:var(--ink-mute);font-weight:500;font-size:.42em;letter-spacing:0}.num:after{content:"";display:block;height:3px;width:72px;background:var(--accent);border-radius:2px;margin:16px 0 4px}.num-mid{display:inline-block;margin-top:10px;padding:5px 11px;background:var(--gauge-well);border:1px solid var(--gauge-line);border-radius:var(--radius-sm);font-family:var(--mono);font-size:.72rem;font-weight:500;letter-spacing:.04em;color:#cdd6db}.num-mid strong{color:#fff;font-weight:600}@media(max-width:560px){.num{font-size:clamp(1.4rem,8.5vw,2.1rem);overflow-wrap:break-word}.result-xl,.calc-shell .result-xl{padding:22px 18px}.inputs-box,.calc-shell .inputs-box,.verdict-q,.cov-deck .cov-inputs{padding-left:18px;padding-right:18px}.led-row{font-size:.8rem;gap:10px}}.result-xl,.inputs-box,.verdict,.verdict-q{min-width:0;max-width:100%}.band{position:relative;height:12px;background:var(--gauge-well);border-radius:6px;margin:18px 0 11px;box-shadow:inset 0 1px 3px #00000073}.band-fill{position:absolute;top:0;height:100%;background:linear-gradient(90deg,rgba(96,165,250,.85),var(--accent));border-radius:6px;transition:left .25s ease,width .25s ease}.band-avg{position:absolute;top:-6px;width:2px;height:24px;background:var(--accent);box-shadow:0 0 10px #c1632f99;transition:left .25s ease}.band-ticks{display:flex;justify-content:space-between;font-size:.68rem;color:var(--ink-mute);font-family:var(--mono)}.led{margin-top:16px;border-top:1px solid var(--gauge-line);padding-top:12px}.led-row{display:flex;justify-content:space-between;gap:14px;padding:5px 0;font-family:var(--mono);font-size:.78rem;color:#9fabb3}.led-row .k{color:#9fabb3;flex:1;min-width:0}.led-row .v{color:#f7f8f9;text-align:right;white-space:nowrap}.led-row.total{border-top:1px solid var(--gauge-line);margin-top:10px;padding-top:12px;font-weight:600;color:#fff;text-transform:uppercase;letter-spacing:.04em}.led-row.total .k{color:var(--ink-mute);font-size:.72rem}.calc-note{font-size:.82rem;color:var(--ink-soft);margin:8px 0 24px}.result-note{font-size:.8rem;opacity:.9;margin-top:12px;padding-top:10px;border-top:1px solid rgba(255,255,255,.18)}.result-xl .result-note{color:#dfe4e8}.coverage-band{margin-top:44px}.coverage-band h2{margin-top:0;max-width:none}.coverage-band .coverage-lede{max-width:58ch;margin-bottom:18px}.cov-ref-panel{margin:24px 0 20px}.cov-ref-panel .cov-ref-label{font-family:var(--mono);font-size:.66rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--ins);margin:0 0 8px}.cov-ref-panel h3{margin:0 0 12px;font-size:1.15rem;letter-spacing:-.02em}.cov-table--flat{border:0;border-radius:0;background:transparent;box-shadow:none;margin:0}.cov-table--flat .row{padding:11px 0;border-bottom:1px solid var(--line-soft)}.cov-table--flat .row:last-child{border-bottom:0}.cov-deck.cov-deck--home{display:flex;flex-direction:column;margin:0;background:var(--card);border:0;border-top:3px solid var(--ins);border-radius:var(--radius);box-shadow:none;overflow:hidden}.coverage-band .cov-deck--home{margin-top:14px}.coverage-band .cov-deck--home .cov-inputs{grid-template-columns:1fr;padding:22px 24px 18px}@media(min-width:768px){.coverage-band .cov-deck--home .cov-inputs{grid-template-columns:1fr;padding:24px 28px 20px}}.coverage-band .cov-deck--home .cov-step{margin-bottom:14px}.coverage-band .cov-deck--home>.verdict,.coverage-band .cov-deck--home>.verdict.covered,.coverage-band .cov-deck--home>.verdict.depends,.coverage-band .cov-deck--home>.verdict.bad,.coverage-band .cov-deck--home>.verdict.excluded{border-top:1px solid var(--line-soft)!important}.coverage-band .cov-deck--home .verdict-legend{background:var(--paper)}.cov-deck{display:flex;flex-direction:column;min-width:0;margin:28px 0 12px;background:var(--card);border:1px solid var(--line);border-top:3px solid var(--ins);border-radius:var(--radius);overflow:hidden;box-shadow:0 18px 48px -32px #1d2b3680}.cov-deck .cov-inputs{display:grid;grid-template-columns:1fr;gap:0;border:0!important;border-radius:0!important;background:transparent!important;box-shadow:none!important;padding:24px 24px 20px;margin:0}@media(min-width:768px){.cov-deck .cov-inputs{grid-template-columns:1.05fr .95fr;column-gap:36px;padding:28px 32px 22px}.cov-deck .cov-inputs-head,.cov-deck .vnote{grid-column:1 / -1}}.cov-inputs-head{display:flex;align-items:center;justify-content:space-between;gap:12px;font-family:var(--mono);font-size:.68rem;text-transform:uppercase;letter-spacing:.16em;color:var(--ink-mute);margin-bottom:18px;padding-bottom:12px;border-bottom:1px solid var(--line-soft)}.cov-inputs-head .live{display:inline-flex;align-items:center;gap:6px;font-size:.62rem;letter-spacing:.12em;color:var(--good);font-weight:600}.cov-inputs-head .live:before{content:"";width:7px;height:7px;border-radius:50%;background:var(--good);box-shadow:0 0 0 3px #1f7a442e;animation:calc-pulse 2.4s ease-in-out infinite}.cov-deck .verdict{border:0!important;border-radius:0!important;border-top:1px solid var(--line-soft)!important;box-shadow:none!important;margin:0;padding:22px 24px 24px;background:transparent!important}@media(min-width:768px){.cov-deck .verdict{padding:24px 32px 28px}}.cov-deck .verdict.covered{border-top:3px solid var(--good)!important}.cov-deck .verdict.depends{border-top:3px solid var(--warn-dot)!important}.cov-deck .verdict.excluded,.cov-deck .verdict.bad{border-top:3px solid var(--bad)!important}.cov-deck .verdict-body{display:grid;grid-template-columns:1fr;gap:20px}@media(min-width:768px){.cov-deck .verdict-body{grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);gap:32px 40px;align-items:start}}.cov-deck .verdict-aside .vsteps-wrap{margin-top:0}@media(min-width:768px){.cov-deck .verdict-aside .vsteps-wrap{padding:16px 18px;background:var(--paper);border:1px solid var(--line-soft);border-radius:var(--radius-sm)}}.cov-deck .verdict .result-note{margin-top:18px;padding-top:14px;border-top:1px solid var(--line-soft);font-size:.78rem}.cov-deck .verdict-legend{display:grid;grid-template-columns:1fr;gap:16px;margin:0;padding:18px 24px 20px;border-top:1px solid var(--line-soft);background:var(--ins-bg)}@media(min-width:640px){.cov-deck .verdict-legend{grid-template-columns:repeat(3,1fr);gap:24px;padding:20px 32px 22px}}.cov-deck .verdict-legend>.vl{border:none!important;border-radius:0!important;background:transparent!important;padding:0;margin:0}.calc-page-head:has(+.cov-deck) .calc-chips span i{background:var(--ins)}.coverage-lede{max-width:58ch;margin-bottom:0}.eyebrow-ins{color:var(--ins)}.eyebrow-ins:before{color:var(--ins)}.cov-step{margin-bottom:16px}.cov-step:last-of-type{margin-bottom:0}.cov-step-label{font-family:var(--mono);font-size:.62rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--ins);margin-bottom:12px}.cov-step .field{margin-top:0}.vnote{font-size:.78rem;color:var(--ink-soft);margin-top:14px;margin-bottom:0}.verdict{border-radius:var(--radius);padding:22px;border:1px solid var(--line);border-top:3px solid var(--ink-mute);background:var(--card)}.verdict.covered{border-top-color:var(--good)}.verdict.depends{border-top-color:var(--warn-dot)}.verdict.excluded,.verdict.bad{border-top-color:var(--bad)}.vhead{font-family:var(--mono);font-size:.68rem;text-transform:uppercase;letter-spacing:.16em;color:var(--ink-mute);margin-bottom:4px}.badge{display:flex;align-items:center;gap:10px;font-family:var(--display);font-weight:800;letter-spacing:-.02em;font-size:clamp(1.35rem,3vw,1.75rem);margin:6px 0 12px;padding:0;background:none!important;border-radius:0}.badge:before{content:"";flex:none;width:13px;height:13px;border-radius:50%}.verdict.covered .badge{color:var(--good)!important}.verdict.covered .badge:before{background:var(--good);box-shadow:0 0 0 4px #1f7a4429}.verdict.depends .badge{color:var(--warn)!important}.verdict.depends .badge:before{background:var(--warn-dot);box-shadow:0 0 0 4px #e0a32e29}.verdict.excluded .badge,.verdict.bad .badge{color:var(--bad)!important}.verdict.excluded .badge:before,.verdict.bad .badge:before{background:var(--bad);box-shadow:0 0 0 4px #b3261e29}.vreason{font-size:.94rem;color:var(--ink-soft);line-height:1.55;margin:0 0 4px}.vfile{border-radius:var(--radius-sm);padding:12px 14px;font-size:.88rem;line-height:1.5;margin:14px 0;border-left:3px solid var(--line)}.verdict.covered .vfile{background:var(--good-bg);border-left-color:var(--good);color:var(--ink)}.verdict.depends .vfile{background:var(--warn-bg);border-left-color:var(--warn-dot);color:var(--ink)}.verdict.excluded .vfile,.verdict.bad .vfile{background:var(--bad-bg);border-left-color:var(--bad);color:var(--ink)}.vsteps-wrap{margin-top:18px}.vsteps-head{font-family:var(--mono);font-size:.62rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--ink-mute);margin-bottom:10px}.vsteps{list-style:none;padding:0;margin:0}.vsteps li{position:relative;padding:5px 0 5px 20px;font-size:.88rem;color:var(--ink);line-height:1.45}.vsteps li:before{content:"";position:absolute;left:2px;top:11px;width:0;height:0;border-left:5px solid transparent;border-right:5px solid transparent;border-bottom:7px solid var(--good)}.verdict.depends .vsteps li:before{border-bottom-color:var(--warn-dot)}.verdict.excluded .vsteps li:before,.verdict.bad .vsteps li:before{border-bottom-color:var(--bad)}.verdict .result-note{margin-top:18px;padding-top:14px;border-top:1px solid var(--line-soft);font-size:.78rem;color:var(--ink-soft);line-height:1.45}.verdict-legend{display:grid;grid-template-columns:1fr;gap:10px;margin:12px 0 24px}@media(min-width:640px){.verdict-legend{grid-template-columns:repeat(3,1fr)}}.vl{border:1px solid var(--line);border-radius:var(--radius);padding:14px 16px;background:var(--card);border-top-width:3px}.vl.covered{border-top-color:var(--good)}.vl.depends{border-top-color:var(--warn-dot)}.vl.bad{border-top-color:var(--bad)}.vl .t{display:flex;align-items:center;gap:8px;font-family:var(--mono);font-weight:700;font-size:.72rem;letter-spacing:.1em}.vl .t .dot{width:8px;height:8px;border-radius:50%;flex:none}.vl.covered .t{color:var(--good)}.vl.covered .t .dot{background:var(--good)}.vl.depends .t{color:var(--warn)}.vl.depends .t .dot{background:var(--warn-dot)}.vl.bad .t{color:var(--bad)}.vl.bad .t .dot{background:var(--bad)}.vl .d{font-size:.82rem;color:var(--ink-soft);margin-top:6px;line-height:1.45}.faq-list details{border:1px solid var(--line);border-radius:10px;padding:4px 14px;margin:8px 0;background:var(--card)}.faq-list summary{font-weight:600;cursor:pointer;padding:8px 0}.faq-list p{margin:4px 0 12px;color:#2c3742}.related{margin:30px 0}.related ul{list-style:none;padding:0;display:grid;grid-template-columns:1fr;gap:8px}@media(min-width:640px){.related ul{grid-template-columns:1fr 1fr}}.related a{display:block;background:var(--card);border:1px solid var(--line);border-radius:8px;padding:12px 14px;text-decoration:none;color:var(--accent-ink);font-weight:600}.related a:hover{border-color:var(--accent)}.sources{margin:30px 0;border-top:1px solid var(--line);padding-top:16px;font-size:.88rem}.sources ul{padding-left:1.2em;color:var(--ink-soft)}.sources-note{font-size:.82rem;color:var(--ink-soft)}.a-rule,.a-standard,.disclaimer-note{border-radius:var(--radius);padding:14px 16px;margin:16px 0}.a-rule{background:var(--ins-bg);border-left:3px solid var(--accent)}.a-rule .h,.a-standard .lbl{font-family:var(--mono);font-weight:600;font-size:.68rem;text-transform:uppercase;letter-spacing:.12em;color:var(--accent-ink);margin-bottom:4px;display:block}.a-standard{background:var(--brand);color:#cdd6db;box-shadow:inset 0 0 0 1px var(--gauge-line)}.a-standard .lbl{color:var(--accent)}.a-standard p,.a-standard li{color:#dfe4e8;margin:0;line-height:1.55}.a-standard p+p{margin-top:8px}.a-standard a{color:#fff;text-decoration:underline;text-decoration-color:#ffffff73;text-underline-offset:2px}.a-standard a:hover{color:var(--ins-soft);text-decoration-color:var(--ins-soft)}.article-body .a-standard p,.article-body .a-standard li{color:#dfe4e8}.disclaimer-note{background:var(--warn-bg);border:1px solid #ecd9a8;font-size:.88rem}.a-table{border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;margin:14px 0;background:var(--card)}.a-table .row{display:flex;justify-content:space-between;gap:12px;padding:11px 14px;font-size:.88rem;border-top:1px solid var(--line-soft)}.a-table .row:first-child{border-top:0}.a-table .row span:first-child{font-family:var(--mono);font-size:.8rem;color:var(--ink-soft)}.a-table .row span:last-child{font-family:var(--mono);font-size:.82rem;color:var(--ink)}.article-head{margin-bottom:8px;margin-top:4px}.article-head h1{margin-top:12px;max-width:none;font-size:clamp(1.85rem,4vw,2.75rem)}.cat{display:inline-block;font-family:var(--mono);font-size:.66rem;font-weight:600;text-transform:uppercase;letter-spacing:.1em;padding:4px 9px;border-radius:var(--radius-sm);background:var(--ins-bg);color:var(--ins)}.cat--cost{background:#f3ece6;color:var(--accent-ink)}.cat--material{background:#e8edf0;color:var(--brand-2)}.cat--insurance{background:var(--ins-bg);color:var(--ins)}.cat--storm{background:var(--warn-bg);color:var(--warn)}.cat--maintain{background:var(--good-bg);color:var(--good-ink)}.article-dek{font-size:1.15rem;color:var(--ink-soft);max-width:68ch;margin:0 0 4px;line-height:1.55}.article-meta{display:flex;gap:8px;flex-wrap:wrap;font-size:.82rem;color:var(--ink-soft);margin:10px 0 24px}.article-grid{display:grid;grid-template-columns:1fr;gap:28px;align-items:start}@media(min-width:900px){.article-grid{grid-template-columns:minmax(0,1fr) 280px;gap:36px}}@media(min-width:1100px){.article-grid{grid-template-columns:minmax(0,1fr) 300px;gap:44px}}.article-body{min-width:0;max-width:72ch;font-size:1.05rem;line-height:1.7}.article-body p,.article-body li{color:#2c3742}.article-body h2{margin-top:36px;padding-top:22px;border-top:1px solid var(--line);font-size:clamp(1.25rem,2.5vw,1.65rem)}.article-body h2:first-of-type{margin-top:28px}.article-body .a-table,.article-body .a-rule,.article-body .a-standard,.article-body .disclaimer-note{margin:20px 0}.article-photo{background:#e7ebee;border-radius:var(--radius);min-height:220px;display:flex;flex-direction:column;align-items:stretch;justify-content:flex-end;overflow:hidden;margin-bottom:28px;position:relative}.article-photo svg{display:block;width:100%;height:auto}.article-photo .tag{position:absolute;left:14px;bottom:14px;background:#1d2b36d1;color:#f7f8f9;font-family:var(--mono);font-size:.62rem;font-weight:500;letter-spacing:.06em;padding:6px 10px;border-radius:var(--radius-sm)}.aside{position:sticky;top:20px}.aside .toc,.calc-card{border:1px solid var(--line);border-radius:var(--radius);padding:16px;background:var(--card);margin-bottom:16px}.calc-card{border-top:3px solid var(--accent)}.aside .toc .h,.calc-card .h{font-family:var(--mono);font-weight:600;font-size:.68rem;text-transform:uppercase;letter-spacing:.12em;color:var(--ink-mute);margin-bottom:8px}.aside .toc .links{display:grid;gap:6px}.aside .toc a{color:var(--accent-ink);text-decoration:none;font-size:.9rem}.calc-card{display:block;text-decoration:none;color:inherit}.cc-num b{font-family:var(--mono);font-weight:600;font-size:1.5rem;color:var(--ink)}.cc-num span{color:var(--ink-mute);font-family:var(--mono)}.calc-card .go,.go{color:var(--accent-ink);font-weight:600;font-family:var(--mono);font-size:.8rem}.featured-grid{display:grid;grid-template-columns:1fr;gap:18px}@media(min-width:680px){.featured-grid{grid-template-columns:1fr 1fr}}.featured-grid .dir-card{border-top-width:3px}.featured-grid .dir-card h3{font-size:1.4rem;max-width:none}.guide-grid{display:grid;grid-template-columns:1fr;gap:18px}@media(min-width:640px){.guide-grid{grid-template-columns:repeat(2,1fr)}}@media(min-width:960px){.guide-grid{grid-template-columns:repeat(3,1fr)}}.guide-card{display:block;background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:18px;text-decoration:none;color:inherit;box-shadow:0 14px 40px -30px #1d2b3680;transition:border-color .15s,transform .15s}.guide-card h3{max-width:none;font-size:1.15rem;line-height:1.25;margin:9px 0 4px}.guide-card:hover{border-color:var(--accent);transform:translateY(-2px)}.related-guides{margin-top:36px}.site-footer{background:var(--brand-deep);color:#9fabb3;margin-top:50px;font-size:.9rem}.foot-grid{display:grid;grid-template-columns:1fr;gap:26px;padding-top:42px;padding-bottom:30px}@media(min-width:760px){.foot-grid{grid-template-columns:2fr 1fr 1fr 1fr}}.foot-brand .b{display:flex;align-items:center;gap:10px;color:#f7f8f9;font-family:var(--display);font-weight:800;letter-spacing:-.02em;font-size:1.05rem;margin-bottom:10px}.foot-col h2{font-family:var(--mono);font-size:.66rem;font-weight:600;text-transform:uppercase;letter-spacing:.14em;color:#6f7e88;margin:0 0 12px}.foot-col a{display:block;color:#c7cfd6;text-decoration:none;padding:3px 0}.foot-col a:hover{color:#fff}.foot-family{border-top:1px solid rgba(255,255,255,.12)}.foot-family .inner{display:flex;flex-wrap:wrap;gap:8px 16px;align-items:center;padding-top:16px;padding-bottom:16px}.fam-links{display:flex;flex-wrap:wrap;gap:14px}.fam-links a{color:inherit;text-decoration:none;opacity:.85}.fam-links a:hover{opacity:1}.foot-bottom{border-top:1px solid rgba(255,255,255,.12)}.foot-bottom .inner{display:flex;flex-wrap:wrap;gap:8px 16px;justify-content:space-between;padding-top:16px;padding-bottom:24px;font-size:.8rem;opacity:.8}@media(prefers-reduced-motion:reduce){*{transition:none!important;animation:none!important}.inputs-head .live:before{animation:none}}
