
:root{--navy:#49362a;--teal:#79563d;--amber:#e8b879;--bg:#fdfaf6;--ink:#49392f;--line:#e8dacb}*{box-sizing:border-box}body{margin:0;background:var(--bg);color:var(--ink);font:16px/1.6 system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}a{color:inherit;text-decoration:none}button,input,select{font:inherit}button,a,input,select{outline-offset:4px}button:focus-visible,a:focus-visible{outline:3px solid var(--teal)}button{cursor:pointer}.wrap{max-width:1120px;margin:auto;padding:0 28px}.preview{background:var(--navy);color:#fff;text-align:center;font-size:14px;padding:9px 16px}.preview b{color:#e8b879}header{background:white;border-bottom:1px solid var(--line)}.nav{display:flex;align-items:center;justify-content:space-between;min-height:88px;gap:20px}.brand{font-size:29px;font-weight:800;letter-spacing:-1.3px;color:var(--navy)}.brand span{color:var(--teal)}nav{display:flex;align-items:center;gap:30px;font-size:15px;font-weight:600}nav a{padding:12px 0}.btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:12px 23px;background:var(--teal);color:white;border:1px solid var(--teal);border-radius:7px;font-weight:650;gap:10px}.btn.secondary{background:white;color:var(--navy);border-color:var(--line)}.eyebrow{font-size:12px;letter-spacing:2px;font-weight:750;color:var(--teal);text-transform:uppercase}.hero{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center;padding-top:62px;padding-bottom:60px}h1{font-size:54px;line-height:1.09;letter-spacing:-2.5px;color:var(--navy);margin:17px 0 23px}h1 em{font-style:normal;color:var(--teal)}.lede{max-width:460px;color:#716052;font-size:18px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin:28px 0 22px}.checks{font-size:13px;color:#716052;display:flex;gap:16px;flex-wrap:wrap}.checks span:before{content:'✓';color:var(--teal);margin-right:7px;font-weight:bold}.photo{position:relative}.photo img{width:100%;height:390px;object-fit:cover;border-radius:10px;display:block}.caption{background:white;border:1px solid var(--line);padding:17px 20px;border-radius:8px;margin:-30px 20px 0;position:relative;display:flex;gap:14px;align-items:center;font-size:14px}.caption b{display:block;color:var(--navy);font-size:17px}.dot{height:36px;width:36px;flex:none;border-radius:50%;background:#f4e8d9;color:var(--teal);display:grid;place-items:center;font-size:21px}.tools{padding:55px 0 65px;background:white;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.sectionhead{display:flex;align-items:end;justify-content:space-between;gap:24px;margin-bottom:29px}h2{font-size:34px;letter-spacing:-1px;line-height:1.2;color:var(--navy);margin:10px 0}p{margin:12px 0}.subtle{color:#736152}.toolgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{padding:25px;border:1px solid var(--line);border-radius:9px;background:white;display:flex;flex-direction:column}.card.featured{grid-column:span 2;background:var(--navy);color:#e8dacb}.card.featured h3{color:white}.card.featured .icon{background:#ead6bd;color:#e8b879}.card.featured .open{color:#fff}.card h3{font-size:20px;color:var(--navy);margin:17px 0 8px;line-height:1.3}.card p{font-size:15px;margin:0 0 22px;max-width:520px}.icon{width:43px;height:43px;background:#f5ecdf;border-radius:8px;display:grid;place-items:center;color:var(--teal);font-size:16px;font-weight:750}.open{color:var(--teal);font-size:14px;font-weight:750;margin-top:auto;background:none;border:0;padding:8px 0;align-self:start;min-height:44px}.tag{font-size:11px;letter-spacing:1px;text-transform:uppercase;color:#604936;margin-left:auto}.topline{display:flex;align-items:center}.how{padding-top:62px;padding-bottom:62px}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:36px;margin-top:32px}.step{border-top:1px solid #cdbba8;padding-top:20px}.step small{color:var(--teal);font-weight:750}.step h3{color:var(--navy);margin:10px 0;font-size:20px}.step p{font-size:15px;color:#736152}.reading{background:white;padding:55px 0;border-top:1px solid var(--line)}.articlegrid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.article{border:1px solid var(--line);padding:24px;border-radius:8px}.article h3{font-size:19px;line-height:1.4;color:var(--navy)}.article small{color:var(--teal);font-weight:650}.article p{font-size:14px;color:#736152}.label{font-size:13px;background:#f5ead8;color:#795027;padding:10px 15px;border-radius:6px;margin-top:22px}.foot{background:var(--navy);color:#5f4937;padding:38px 0}.foot .brand{color:white}.footrow{display:flex;justify-content:space-between;gap:30px}.foot p{font-size:14px;max-width:420px}.footlinks{display:flex;gap:25px;align-items:start;font-size:14px}.legal{border-top:1px solid #cbb395;margin-top:25px;padding-top:18px;font-size:12px}.view[hidden]{display:none}.toolhero{max-width:780px;padding-top:38px;padding-bottom:28px}.crumb{font-size:14px;color:var(--teal);border:0;padding:10px 0;background:none;min-height:44px}.toolhero h1{font-size:44px;margin-top:14px}.calculator{display:grid;grid-template-columns:1.1fr .9fr;gap:24px;padding-bottom:44px}.panel{border:1px solid var(--line);border-radius:10px;background:white;padding:30px}.panel h2{font-size:23px;margin:0 0 22px}.fields{display:grid;grid-template-columns:1fr 1fr;gap:20px}label{font-size:14px;font-weight:650;display:block;color:var(--navy)}input,select{display:block;min-height:48px;border:1px solid #a48a73;background:white;border-radius:6px;padding:10px 12px;width:100%;color:var(--navy);margin-top:7px}small.help{display:block;font-size:12px;color:#736152;margin-top:5px;font-weight:400}.full{grid-column:1/-1}.formactions{margin-top:24px;display:flex;gap:12px;flex-wrap:wrap}.result{background:var(--navy);color:#e8dacb}.result h2{color:white}.big{font-size:43px;line-height:1.2;color:white;font-weight:750;letter-spacing:-1.5px;margin:10px 0 5px}.result hr{border:0;border-top:1px solid #cbb395;margin:25px 0}.resultline{display:flex;justify-content:space-between;gap:18px;margin:14px 0;font-size:15px}.resultline strong{color:white}.result small{display:block;font-size:13px;line-height:1.6}.methods{max-width:1064px;margin:0 auto 55px;background:#f5ecdf;border-radius:8px;padding:25px 30px}.methods h3{margin:0 0 10px;color:var(--navy)}.methods p{font-size:14px;margin:7px 0}.error{color:#b3261e;font-size:14px;min-height:22px}.notelink{color:var(--teal);font-weight:650;background:none;border:0;padding:10px 0;font-size:14px}.menu{display:none}.status{font-size:13px;color:var(--teal);padding-top:8px}
@media(max-width:760px){.wrap{padding-left:20px;padding-right:20px}.nav{min-height:74px;flex-wrap:wrap;gap:0}.menu{display:block;background:white;border:1px solid var(--line);border-radius:6px;min-height:44px;padding:6px 14px;color:var(--navy)}nav{display:none;width:100%;padding:10px 0 20px;gap:18px;flex-wrap:wrap}nav.show{display:flex}.hero{grid-template-columns:1fr;gap:32px;padding-top:35px;padding-bottom:40px}h1{font-size:43px;letter-spacing:-1.7px}.lede{font-size:17px}.photo img{height:290px}.checks{font-size:12px;gap:12px}.sectionhead{align-items:start;flex-direction:column;gap:7px}h2{font-size:29px}.tools,.reading{padding:40px 0}.toolgrid,.steps,.articlegrid{grid-template-columns:1fr}.card.featured{grid-column:auto}.steps{gap:22px}.how{padding-top:42px;padding-bottom:42px}.footrow{flex-direction:column}.footlinks{flex-wrap:wrap;gap:18px}.toolhero h1{font-size:36px}.calculator{grid-template-columns:1fr}.fields{grid-template-columns:1fr}.full{grid-column:auto}.panel{padding:22px}.methods{margin:0 20px 40px;padding:22px}.big{font-size:38px}.toolhero{padding-top:20px}.preview{font-size:12px}.caption{margin-left:12px;margin-right:12px}}
@media print{.preview,header,.foot,.formactions,.crumb{display:none}.view[hidden]{display:none}.calculator{display:block}.panel{margin-bottom:20px}.result{background:white;color:#49392f}.result h2,.result strong,.big{color:#49362a}}

/* Light brown revision: tan surfaces, cream canvas, dark readable type. */
.preview{background:#ead6bd;color:#49362a}.preview b{color:#61412b}
.btn{background:#dfc09b;border-color:#b58d63;color:#49301d}
.btn.secondary{background:#fff;color:#49362a;border-color:#d7bfa5}
.card.featured,.result,.foot{background:#ead6bd;color:#49362a}
.card.featured h3,.card.featured .open,.result h2,.resultline strong,.big,.foot .brand{color:#49362a}
.card.featured .icon{background:#d7b48c;color:#49301d}
.caption .dot{background:#f1e1cc;color:#79563d}
.result hr,.legal{border-color:#cbb395}
.tag{color:#604936}


/* WordPress canvas and final content */
html{scroll-behavior:smooth}body{background:#fdfaf6}.skip-link{position:absolute;left:16px;top:-100px;background:#fff;color:#49362a;padding:12px;z-index:9999}.skip-link:focus{top:12px}img{max-width:100%;height:auto}button{min-height:44px}.screen-reader-text{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0,0,0,0)}.pagehead{padding-top:48px;padding-bottom:30px}.pagehead h1{font-size:44px;max-width:850px}.pagehead p{max-width:680px}.prose{max-width:800px;padding-bottom:58px}.prose h2{font-size:28px;margin-top:36px}.prose h3{font-size:21px;margin-top:27px}.prose p,.prose li{line-height:1.8}.prose a:not(.btn),.methods a{color:#79563d;text-decoration:underline;text-underline-offset:3px}.prose table{width:100%;border-collapse:collapse;font-size:14px}.prose th,.prose td{padding:12px;border:1px solid #d7bfa5;text-align:left}.table-scroll{max-width:100%;overflow-x:auto}.articlegrid .article{padding:0;overflow:hidden}.article img{display:block;width:100%;aspect-ratio:16/9;object-fit:cover}.articlebody{padding:24px}.articlebody h3{margin-top:10px}.articlebody a{display:block;min-height:44px}.articlecover{display:block;width:100%;max-height:440px;object-fit:cover;border-radius:8px;margin:0 0 30px}.footlinks{max-width:520px;flex-wrap:wrap}.footlinks a{min-height:44px;display:inline-flex;align-items:center}.foot .legal{display:flex;flex-wrap:wrap;gap:14px}.foot .legal a{text-decoration:underline}.allguides{padding-top:32px;padding-bottom:60px}.toolintro{max-width:760px}.result .btn.secondary{background:#fff}.output-details{grid-column:1/-1}.output-details h3{margin-top:0}.note{background:#f5ecdf;border:1px solid #e8dacb;padding:18px 22px;border-radius:8px}.statusbox{padding:15px 20px;border:1px solid #b58d63;background:#f5ecdf;margin-bottom:20px;border-radius:8px}.faq details{border-bottom:1px solid #e4d9cd;padding:14px 0}.faq summary{min-height:44px;padding:8px 0;cursor:pointer;font-weight:650;color:#49362a}.bad{color:#a21b16}.resultline strong{text-align:right;overflow-wrap:anywhere}.big{overflow-wrap:anywhere}.sumtable{width:100%;border-collapse:collapse;font-size:14px}.sumtable th,.sumtable td{border-bottom:1px solid #e8dacb;padding:10px;text-align:right}.sumtable th:first-child,.sumtable td:first-child{text-align:left}.contact-fields label{margin:18px 0}.contact-fields textarea{font:inherit;display:block;width:100%;border:1px solid #a48a73;border-radius:6px;min-height:150px;padding:12px;margin-top:7px}.contact-fields input[type=checkbox]{display:inline-block;width:20px;min-height:20px;margin:0 8px 0 0;vertical-align:middle}.hp{position:absolute;left:-9999px;opacity:0}.articlemeta{font-size:14px;color:#736152;margin-bottom:24px}.prose ul{padding-left:24px}.brand{white-space:nowrap}.empty{padding:20px 0}.calc-note{font-size:13px;color:#736152}.result small{color:#49362a}.method-list{padding-left:20px;font-size:14px}.status{min-height:28px}.calculator .panel{min-width:0}.articlegrid{align-items:stretch}.nav a[aria-current=page]{text-decoration:underline;text-underline-offset:6px}
@media(max-width:760px){.pagehead{padding-top:28px}.pagehead h1{font-size:36px}.prose h2{font-size:26px}.footlinks{gap:6px 20px}.articlebody{padding:20px}.articlegrid{gap:20px}.methods{margin-bottom:30px}.allguides{padding-top:20px}.footrow{gap:20px}.table-scroll{overflow-x:auto}.pagehead{overflow-wrap:anywhere}}
@media print{.skip-link,.output-details,.contact-fields{display:none}.result{background:#fff;color:#49362a}.result h2,.resultline strong,.big{color:#49362a}.toolhero{padding:0}.panel{break-inside:avoid}.methods{margin:0}body{background:white}}
body.cv-site{font:16px/1.6 system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:#49392f;background:#fdfaf6;margin:0}body.cv-site h1,body.cv-site h2,body.cv-site h3,body.cv-site h4{font-family:inherit;font-weight:750;color:#49362a}body.cv-site h1{line-height:1.09}body.cv-site .hero h1 em{color:#79563d}body.cv-site a{text-decoration:none}body.cv-site .prose a:not(.btn){text-decoration:underline}body.cv-site button{font-family:inherit}body.cv-site .footlinks{display:flex;padding:0}body.cv-site .result h2,body.cv-site .card.featured h3{color:#49362a}body.cv-site .btn{color:#49301d}body.cv-site .btn.secondary{color:#49362a}body.cv-site input,body.cv-site select,body.cv-site textarea{font-family:inherit}body.cv-site .wrap{float:none}body.cv-site .nav{flex-wrap:nowrap}body.cv-site .footlinks a{padding:0}body.cv-site .result{color:#49362a}
@media(max-width:760px){body.cv-site .nav{flex-wrap:wrap}body.cv-site .footlinks{display:flex}}
.error:not(:empty){margin-top:12px}
@media print{body.cv-site{background:#fff}.methods{margin-left:auto;margin-right:auto;background:#fff}.faq,.status{display:none}}
/* Preserve clear control boundaries even when a theme supplies input styles. */
body.cv-site input:not([type=checkbox]):not([type=hidden]),body.cv-site select,body.cv-site textarea{border:1px solid #a48a73;background-color:#fff;color:#49362a;border-radius:6px}
body.cv-site input:focus-visible,body.cv-site select:focus-visible,body.cv-site textarea:focus-visible{outline:3px solid #79563d;outline-offset:3px}
.contact-fields label{min-height:44px}

/* v1.0.1 — direct links to every calculator in the shared footer. */
body.cv-site .footrow{display:grid;grid-template-columns:1fr 1.15fr .65fr;gap:48px;align-items:start}
body.cv-site .foot h2.footer-heading{font-size:16px;line-height:1.5;letter-spacing:0;margin:0 0 12px;font-weight:750;color:#49362a}
body.cv-site .footer-tools,body.cv-site .footer-help .footlinks{display:flex;flex-direction:column;align-items:stretch;gap:0;padding:0;max-width:none;font-size:14px;font-weight:500}
body.cv-site .footer-tools a,body.cv-site .footer-help .footlinks a{display:flex;align-items:center;min-height:44px;padding:8px 0;line-height:1.5;overflow-wrap:anywhere}
body.cv-site .footer-tools a:hover,body.cv-site .footer-help .footlinks a:hover{text-decoration:underline;text-underline-offset:4px}
body.cv-site .footrow>div{min-width:0}
@media(max-width:760px){body.cv-site .footrow{grid-template-columns:1fr;gap:28px}body.cv-site .foot h2.footer-heading{margin-bottom:8px}}

/* v1.0.2 — full, prominent policy labels in a dedicated footer section. */
body.cv-site .footrow{grid-template-columns:.95fr 1.25fr .7fr .8fr;gap:32px}
body.cv-site .footer-policies{display:flex;flex-direction:column;align-items:stretch;gap:0;padding:0;font-size:14px;font-weight:500}
body.cv-site .footer-policies a{display:flex;align-items:center;min-height:44px;padding:8px 0;line-height:1.5;overflow-wrap:anywhere}
body.cv-site .footer-policies a:hover{text-decoration:underline;text-underline-offset:4px}
@media(min-width:761px) and (max-width:1050px){body.cv-site .footrow{grid-template-columns:1fr 1fr;gap:32px}}
@media(max-width:760px){body.cv-site .footrow{grid-template-columns:1fr;gap:28px}}
