:root{color-scheme:dark;--ground:#161615;--surface:#1d1d1b;--ink:#e8e6df;--muted:#aaa79f;--accent:#c9b99f;--field:#292926;--danger:#f2aaa0;--font-text:Georgia,"Times New Roman",serif;--font-ui:Arial,Helvetica,sans-serif;--small:14px;--body:18px;--lead:21px;--heading:30px;--title:44px}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:30px}body{margin:0;background:var(--ground);color:var(--ink);font:var(--body)/1.75 var(--font-text);-webkit-font-smoothing:antialiased}a{color:inherit;text-decoration-thickness:1px;text-underline-offset:5px}a:hover{color:var(--accent)}button,input{font:inherit}button{cursor:pointer}button,a,input,summary{outline-offset:5px}button:focus-visible,a:focus-visible,input:focus-visible,summary:focus-visible{outline:2px solid var(--accent)}h1,h2,h3,p{margin:0}h1,h2,h3{text-wrap:balance}p{text-wrap:pretty}svg{display:block}::selection{background:#615849;color:white}[hidden]{display:none!important}.site{max-width:920px;margin:auto;padding:0 40px}.masthead{padding:35px 0;display:flex;align-items:center;justify-content:space-between;gap:24px;font-family:var(--font-ui);font-size:var(--small)}.site-name{font:700 24px var(--font-text);text-decoration:none;letter-spacing:-.5px}.masthead nav{display:flex;gap:25px}.masthead nav a{text-decoration:none;color:var(--muted);padding:7px 0}.masthead nav a:hover,.masthead nav a[aria-current]{color:var(--ink)}.home{padding-top:38px}.author{max-width:650px;margin-bottom:66px}.author h1{font-size:38px;line-height:1.2;font-weight:500;letter-spacing:-1px}.author p{font:16px/1.8 var(--font-ui);color:var(--muted);margin-top:17px;max-width:540px}.author a{color:var(--ink)}.post-list{margin-bottom:74px}.post-list>h2{font:var(--small)/1.5 var(--font-ui);color:var(--muted);margin-bottom:27px;font-weight:400}.post-preview{display:grid;grid-template-columns:112px minmax(0,1fr);gap:26px}.post-date{font:var(--small)/1.7 var(--font-ui);color:var(--muted);padding-top:8px}.post-date span{display:block;font-size:var(--small);margin-top:6px}.preview-copy h3{font-size:38px;line-height:1.22;font-weight:500;letter-spacing:-1px}.preview-copy h3 a{text-decoration:none}.preview-copy .subtitle{font:var(--lead)/1.5 var(--font-text);margin-top:10px;color:var(--muted)}.preview-copy p{font-size:var(--body);margin-top:21px;max-width:610px}.post-note{font:var(--small)/1.7 var(--font-ui);color:var(--muted);margin-top:21px!important}.read-link{display:inline-block;margin-top:23px;font:var(--small)/1.5 var(--font-ui);padding:12px 18px;background:var(--ink);color:var(--ground);text-decoration:none}.read-link:hover{background:var(--accent);color:var(--ground)}.reading-view{max-width:760px;margin:18px auto 0;background:var(--surface);padding:40px 40px 48px}.back-link{font:var(--small)/1.6 var(--font-ui);color:var(--muted);text-decoration:none;display:inline-block;margin-bottom:27px}.post-head h1{font-size:var(--title);line-height:1.18;font-weight:500;letter-spacing:-1.3px}.post-subtitle{font-size:var(--lead);color:var(--muted);margin-top:14px}.byline{display:flex;gap:20px;flex-wrap:wrap;font:var(--small)/1.7 var(--font-ui);color:var(--muted);margin-top:24px}.disclosure{font:var(--small)/1.8 var(--font-ui);color:var(--muted);margin-top:19px}.post-contents{margin:33px 0 48px;padding:22px 25px;background:var(--field);font-family:var(--font-ui);font-size:var(--small)}.post-contents summary{cursor:pointer;min-height:28px;color:var(--ink)}.post-contents nav{display:flex;flex-wrap:wrap;gap:10px 24px;padding-top:17px}.post-contents a{color:var(--muted)}.article section{margin:0 0 56px;scroll-margin-top:30px}.article h2{font-size:var(--heading);font-weight:500;line-height:1.3;letter-spacing:-.5px;margin-bottom:23px}.article p{margin-top:21px;line-height:1.85}.article strong{font-weight:700;color:var(--ink)}.lead{font-size:var(--lead);line-height:1.7!important}.inline-link{color:var(--accent)}.note{padding:20px 23px;background:var(--field);font-size:16px;line-height:1.8;margin-top:27px}.route{display:flex;gap:14px;align-items:center;justify-content:space-between;margin:28px 0;padding:24px 18px;background:var(--field);font-family:var(--font-ui)}.route-stop{text-align:center;flex:1}.route-stop strong{display:block;font-size:16px;font-weight:400}.route-stop small{display:block;font-size:12px;color:var(--muted);margin-top:8px;text-transform:none}.route-arrow{font-size:20px;color:var(--muted)}.formula{background:var(--field);padding:22px;margin-top:27px;font-family:var(--font-ui)}.formula-head{display:flex;justify-content:space-between;gap:15px;font-size:var(--small);color:var(--muted)}.formula-body{display:grid;grid-template-columns:1fr auto 1fr;align-items:center;text-align:center;gap:14px;padding:25px 0}.formula-body small{font-size:12px;display:block;color:var(--muted);margin-bottom:10px}.formula-body b{font-size:25px;font-weight:400;font-variant-numeric:tabular-nums}.formula-footer{font-size:var(--small);color:var(--muted);text-align:center}.table-wrap{overflow-x:auto;margin-top:27px}.data-table{font:16px/1.65 var(--font-ui);width:100%;border-collapse:collapse}.data-table th{font-size:13px;font-weight:400;color:var(--muted);text-align:left;padding:12px 0;border-bottom:1px solid #484740}.data-table td{padding:14px 0;border-bottom:1px solid #343430}.data-table td:last-child,.data-table th:last-child{text-align:right;padding-left:20px;font-variant-numeric:tabular-nums;white-space:nowrap}.data-table tr:last-child td{border:0}.data-table .loss td:last-child{color:var(--danger)}.calculator{background:var(--field);padding:26px;margin-top:28px;font-family:var(--font-ui)}.calculator-header{display:flex;justify-content:space-between;align-items:baseline;gap:15px;margin-bottom:24px}.calculator-header h3{font-size:18px;font-weight:400;line-height:1.4}.calculator-header>span{font-size:12px;color:var(--muted)}.calc-fields{display:grid;grid-template-columns:1fr 1fr;gap:19px 17px}.calc-field label{display:block;font-size:13px;line-height:1.6;margin-bottom:8px;color:var(--muted)}.calc-input{display:flex;align-items:center;gap:8px;border:1px solid #55534b;padding:10px 12px;background:var(--surface)}.calc-input:focus-within{border-color:var(--accent)}.calc-input input{width:100%;min-width:0;font-size:18px;background:transparent;border:0;outline:none;color:var(--ink);font-variant-numeric:tabular-nums}.calc-input small{font-size:12px;color:var(--muted)}.bonus-switch{display:flex;gap:10px;align-items:center;font-size:14px;margin-top:24px;cursor:pointer}.bonus-switch input{width:17px;height:17px;accent-color:var(--accent)}.calc-result{display:flex;justify-content:space-between;align-items:center;gap:15px;margin-top:28px}.calc-result span{font-size:14px;color:var(--muted)}.calc-result output{font-size:28px;white-space:nowrap;font-variant-numeric:tabular-nums}.negative output{color:var(--danger)}.calc-breakdown,.calc-disclaimer{font:13px/1.8 var(--font-ui);color:var(--muted);margin-top:13px!important}.steps{padding-left:23px;margin:0}.step{padding-left:8px;margin-bottom:30px}.step::marker{font-size:16px;color:var(--muted)}.step h3{font:700 18px/1.6 var(--font-text)}.step p{margin-top:10px}.step-detail{font:14px/1.8 var(--font-ui);color:var(--muted);margin-top:14px}.ui-label{font-family:var(--font-ui);font-size:15px;white-space:normal;color:var(--accent)}.checklist{padding-left:22px;margin:0}.checklist li{padding-left:7px;margin-bottom:20px}.article #questions details{margin-bottom:27px}.article #questions summary{font-size:18px;line-height:1.6;cursor:pointer}.article #questions details p{margin-top:12px;color:var(--muted)}.article-resource{font:16px/1.8 var(--font-ui);margin-top:30px;padding:23px;background:var(--field)}.author-signoff{font:16px/1.8 var(--font-ui);margin-top:45px}.author-signoff strong{display:block;margin-bottom:8px}.author-signoff p{color:var(--muted)}.about-view{margin:45px 0 70px;max-width:700px}.about-view h1{font-size:36px;font-weight:400;line-height:1.2}.about-view p{margin-top:23px}.contact-copy{font:16px/1.8 var(--font-ui);color:var(--muted);margin-top:28px}.site-footer{padding:30px 0 45px;display:flex;align-items:center;justify-content:space-between;gap:20px;font:var(--small)/1.6 var(--font-ui);color:var(--muted)}.site-footer a{color:var(--ink);text-decoration:none}.back-top{position:fixed;right:23px;bottom:23px;background:var(--field);color:var(--ink);border:0;width:42px;height:42px;font:20px var(--font-ui);opacity:0;pointer-events:none;transition:opacity .2s}.back-top.visible{opacity:1;pointer-events:auto}.reading-progress{position:fixed;top:0;left:0;height:2px;background:var(--accent);width:0;z-index:5}.js .home,.js .reading-view,.js .about-view{display:none}.js[data-view=home] .home,.js[data-view=post] .reading-view,.js[data-view=about] .about-view{display:block}.js:not([data-view=post]) .reading-progress{display:none}.js[data-view=post] .site{max-width:920px}.read-link:active{translate:0 1px}nav a{transition:color .15s}
@media(min-width:1050px){.reading-view{max-width:800px;padding-inline:54px}}
@media(max-width:760px){:root{--body:17px;--lead:20px;--heading:27px;--title:36px}.site{padding:0 26px}.masthead{padding:26px 0}.masthead nav{gap:20px}.home{padding-top:29px}.author{margin-bottom:49px}.author h1{font-size:34px}.author p{font-size:16px}.post-preview{grid-template-columns:1fr;gap:15px}.post-date{display:flex;align-items:center;gap:16px;padding:0}.post-date span{margin:0}.preview-copy h3{font-size:35px}.preview-copy .subtitle{font-size:20px}.reading-view{margin:10px -26px 0;padding:28px 26px 38px}.post-contents{padding:20px;margin-bottom:37px}.article section{margin-bottom:45px}.article h2{margin-bottom:20px}.article p{line-height:1.8}.calculator{padding:21px}.calc-field label{min-height:40px;font-size:13px}.calc-input{padding:10px}.calc-input input{font-size:16px}.calc-result output{font-size:25px}.formula{padding:20px 15px}.formula-head{font-size:13px}.formula-body b{font-size:24px}.route{gap:8px;padding:20px 12px}.route-stop strong{font-size:15px}.route-stop small{font-size:11px}.step h3{font-size:17px}.step-detail{font-size:14px}.site-footer{font-size:13px}.post-note{font-size:14px}.post-head h1{letter-spacing:-1px}.back-top{right:12px;bottom:12px;width:37px;height:37px}}
@media(max-width:380px){:root{--title:32px;--heading:25px}.site{padding-inline:20px}.reading-view{margin-inline:-20px;padding-inline:20px}.masthead nav{gap:14px;font-size:13px}.preview-copy h3{font-size:31px}.calc-fields{grid-template-columns:1fr}.calc-field label{min-height:0}.calculator-header{display:block}.calculator-header>span{display:block;margin-top:6px}.calc-result{display:block}.calc-result output{display:block;margin-top:8px}.formula-body b{font-size:21px}.formula-head{display:block}.formula-head span{display:block}.route-stop small{font-size:10px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{transition:none!important;animation:none!important}}

.live-quote{margin-top:23px;background:var(--surface);padding:16px 18px}.live-quote #live-price{font:18px/1.5 var(--font-ui);margin:0}.live-quote #live-source{font:13px/1.8 var(--font-ui);color:var(--muted);margin-top:7px}.live-quote button{padding:7px 0;background:none;border:0;font:14px/1.6 var(--font-ui);color:var(--accent);text-decoration:underline;text-underline-offset:4px;margin-top:8px}.live-quote button:disabled{opacity:.6;cursor:wait}.payout-preview{font:17px/1.7 var(--font-ui);margin-top:20px}.guide-image{margin:28px 0 32px}.image-zoom{display:block;width:100%;max-width:478px;margin:0 auto;padding:0;border:0;background:transparent;cursor:zoom-in}.image-zoom img{display:block;width:100%;height:auto}.guide-image figcaption{font:14px/1.8 var(--font-ui);color:var(--muted);margin-top:17px}.guide-image figcaption strong{font-weight:400;color:var(--ink)}.payment-walkthrough{padding:23px;background:var(--field);font:15px/1.8 var(--font-ui);margin-top:24px}.payment-walkthrough>strong{font-size:17px}.payment-walkthrough ul{padding-left:19px;margin:15px 0}.payment-walkthrough li{margin-top:12px}.payment-walkthrough span{color:var(--accent)}.payment-walkthrough p{font:14px/1.8 var(--font-ui);color:var(--muted)}.image-dialog{padding:0;border:0;background:var(--surface);color:var(--ink);max-width:94vw;max-height:95vh;overflow:auto}.image-dialog::backdrop{background:#000c}.image-dialog header{position:sticky;top:0;background:var(--surface);display:flex;align-items:center;justify-content:space-between;gap:18px;padding:12px 18px;font:14px/1.6 var(--font-ui)}.image-dialog button{background:var(--field);border:0;color:var(--ink);padding:9px 14px;font:14px var(--font-ui)}.image-dialog img{display:block;max-width:100%;height:auto;margin:auto}.image-dialog form{margin:0}@media(max-width:760px){.calc-fields{grid-template-columns:1fr 1fr}.calc-field label{min-height:22px}.calculator-header{display:block}.calculator-header>span{display:block;margin-top:8px}.guide-image{margin-left:-31px}.image-dialog{max-width:96vw}.live-quote{padding:15px}.live-quote #live-price{font-size:17px}}@media(max-width:380px){.calc-fields{grid-template-columns:1fr}.guide-image{margin-left:-28px}}
.article-cover{margin:0 -40px 32px}.article-cover img{display:block;width:100%;height:auto}@media(min-width:1050px){.article-cover{margin-inline:-54px}}@media(max-width:760px){.article-cover{margin:0 -26px 28px}}@media(max-width:380px){.article-cover{margin-inline:-20px}}.article-actions{display:flex;align-items:center;gap:23px;flex-wrap:wrap;margin-top:24px;font:14px/1.7 var(--font-ui)}.article-actions .read-link{margin-top:0}.article-actions>a:not(.read-link){color:var(--accent)}.compact-note{font:14px/1.85 var(--font-ui);color:var(--muted);margin-top:17px!important}.repeat-note{padding:25px;background:var(--field)}.repeat-note>p:first-child{margin-top:0}.repeat-note>p:first-child>strong{font-size:21px;line-height:1.5;display:block;margin-bottom:15px}.repeat-note ol{font-size:17px;padding-left:22px;margin-block:20px}.repeat-note li{padding-left:5px;margin-top:13px}.article-end{margin-top:40px}@media(max-width:760px){.repeat-note{padding:21px}.repeat-note>p:first-child>strong{font-size:20px}.article-actions{gap:16px}.repeat-note ol{font-size:16px}}.team-result{margin-top:42px;padding:28px;background:var(--field)}.team-result h2{font-size:25px;margin-bottom:20px}.team-result .team-result-main{font-size:24px;line-height:1.55;margin-top:0}.team-result-main strong{font-weight:700}.team-result .team-result-author{font:14px/1.6 var(--font-ui);color:var(--muted);margin-top:14px}.team-result>p:not(.team-result-main):not(.compact-note):not(.team-result-author){font-size:17px}.team-result .compact-note{font:14px/1.8 var(--font-ui)}@media(max-width:760px){.team-result{padding:22px}.team-result .team-result-main{font-size:22px}.team-result h2{font-size:24px}}
.library-entry{margin-top:48px}.library-entry .preview-copy h3{font-size:29px;letter-spacing:-.5px}.library-entry .preview-copy p{margin-top:14px}.library-entry .read-link{background:transparent;color:var(--accent);padding:4px 0;margin-top:14px;text-decoration:underline}.library-entry .read-link:hover{color:var(--ink)}.library-page .reading-view{margin-top:18px}.library-page .article{margin-top:40px}.library-page .article ol,.library-page .article ul{padding-left:24px}.library-page .article li{padding-left:4px;margin-top:15px}.library-page blockquote{margin:24px 0;padding:6px 24px 22px;background:var(--field);font-size:17px}.library-page .article section:last-child{margin-bottom:0}.related-reading{margin-top:46px}.related-reading h2{font-size:27px;font-weight:400;line-height:1.3}.related-reading ul{padding:0;list-style:none}.related-reading li{margin-top:16px}.publication-note{font:14px/1.8 var(--font-ui);color:var(--muted);margin-top:32px}.library-page .post-contents{margin-bottom:0}.library-page .post-contents nav{display:grid;gap:11px}.library-page .post-head h1{max-width:20ch}.library-page .article-resource p{margin-top:0}.library-page .article-resource .read-link{margin-top:18px}.library-page .masthead nav{gap:20px}@media(max-width:760px){.library-entry{margin-top:40px}.library-entry .preview-copy h3{font-size:27px}.library-page .post-head h1{font-size:34px}.library-page .masthead nav{gap:14px}.library-page .reading-view{margin-top:8px}.library-page .post-contents{padding:20px}.related-reading h2{font-size:25px}}@media(max-width:380px){.library-page .post-head h1{font-size:31px}.library-entry .preview-copy h3{font-size:25px}}