:root{font-family:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:#172b42;background:#f5f8fa;font-size:16px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0}button,select{font:inherit}a{color:inherit}.shell{width:min(1160px,calc(100% - 40px));margin:auto}.site-head{background:#fff;border-bottom:1px solid #e5edf1}.header-inner{height:83px;display:flex;align-items:center;justify-content:space-between}.brand{display:flex;gap:12px;align-items:center;text-decoration:none;font-size:15px;font-weight:800;line-height:1.1;letter-spacing:-.02em}.brand small{font-size:10px;letter-spacing:.2em;color:#3f8b85}.mark{display:grid;place-items:center;background:#155e65;color:#fff;width:40px;height:40px;border-radius:11px;font-size:14px;letter-spacing:-.05em}nav{display:flex;gap:27px}nav a{text-decoration:none;color:#516375;font-size:14px;font-weight:600}nav a:hover,.sources a:hover{color:#138c82}.workspace{padding-top:46px}.intro{display:flex;justify-content:space-between;align-items:end;margin-bottom:28px;gap:20px}.eyebrow{color:#11766e;font-size:12px;font-weight:800;letter-spacing:.16em;margin:0 0 12px}h1{font-size:clamp(32px,4vw,47px);line-height:1.08;letter-spacing:-.05em;margin:0 0 12px}h2{font-size:clamp(27px,3vw,36px);letter-spacing:-.04em;line-height:1.14;margin:0 0 16px}.intro p:not(.eyebrow){color:#66788b;margin:0;line-height:1.5}.trust{border-left:2px solid #60bcb0;padding:7px 0 7px 14px;line-height:1.55;font-size:13px;color:#66788b;white-space:nowrap}.trust strong{color:#215b60}.calculator{display:grid;grid-template-columns:1.15fr .85fr;background:#fff;border:1px solid #e0e9ed;border-radius:21px;box-shadow:0 22px 65px rgba(17,52,70,.07);overflow:hidden}.form-side{padding:27px 32px 29px}.tablist{display:flex;background:#f2f6f7;border-radius:12px;padding:5px;margin-bottom:27px;gap:5px}.tab{flex:1;border:0;border-radius:9px;background:transparent;padding:12px 8px;font-weight:700;color:#607484;cursor:pointer;font-size:14px}.tab.active{background:#fff;box-shadow:0 2px 8px #143d4b15;color:#155e65}.fields label:not(.check){display:block;font-size:14px;font-weight:700;color:#354b5c;margin:0 0 18px}.fields select{appearance:none;display:block;width:100%;border:1px solid #d7e3e7;border-radius:9px;background:#fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 16 16'%3E%3Cpath fill='none' stroke='%23586b78' stroke-width='1.6' d='m3 6 5 5 5-5'/%3E%3C/svg%3E") no-repeat right 14px center;padding:12px 38px 12px 13px;margin-top:8px;color:#1c3444;min-height:47px}.fields select:focus,.tab:focus-visible,.calculate:focus-visible{outline:3px solid #93d6ca;outline-offset:2px}.field-pair{display:grid;grid-template-columns:1fr 1fr;gap:15px}.check{display:flex;align-items:flex-start;gap:9px;font-size:14px;line-height:1.45;color:#405569;cursor:pointer;margin:0 0 20px}.check input{width:17px;height:17px;accent-color:#127e76;margin:2px 0 0}.helper{font-size:13px;color:#708193;line-height:1.5;margin:-6px 0 20px}.calculate{background:#127b74;color:white;border:0;border-radius:10px;padding:15px 20px;font-weight:800;cursor:pointer;width:100%;display:flex;justify-content:space-between;align-items:center}.calculate:hover{background:#0a655f}.micro{font-size:12px;color:#84929e;margin:12px 0 0;text-align:center}.result-side{background:#eaf5f3;padding:34px 35px 31px;display:flex;flex-direction:column}.result-top{display:flex;justify-content:space-between;align-items:center;gap:10px;font-size:11px;color:#40746d;font-weight:800;letter-spacing:.09em}.pill{background:#d1e9e5;border-radius:99px;padding:8px 10px;color:#136d65}.price{margin:37px 0 17px}.price span{display:block;font-weight:800;font-size:clamp(30px,3.1vw,42px);letter-spacing:-.055em;color:#103f45;white-space:nowrap}.price small{display:block;color:#577877;font-size:14px;margin-top:5px}.annual{color:#456968;font-size:15px;padding-bottom:33px;border-bottom:1px solid #d0e5e2}.annual strong{color:#1d4f50}.range-line{display:flex;justify-content:space-between;font-size:12px;color:#597c78;margin-top:29px}.bar{height:11px;border-radius:10px;background:linear-gradient(90deg,#8bd6b7,#22a69c,#0d626d);margin:10px 0 20px}.result-copy{font-size:14px;line-height:1.55;color:#426665;min-height:65px;margin:0}.caveat{border-top:1px solid #d0e5e2;margin-top:auto;padding-top:22px;font-size:13px;line-height:1.5;color:#5d7776}.caveat strong{color:#285e5a}.caveat p{margin:6px 0 0}.explanation{display:grid;grid-template-columns:1.5fr .65fr;gap:90px;padding-top:93px;padding-bottom:70px}.explanation p:not(.eyebrow),.sources p{color:#576b7d;line-height:1.7}.explanation aside{align-self:center;background:#fff;border:1px solid #e1e9ec;border-radius:15px;padding:24px}.explanation h3{margin:0 0 14px;font-size:18px}.explanation ul{list-style:none;margin:0;padding:0}.explanation li{padding:7px 0;color:#496372}.explanation li:before{content:'✓';color:#078177;font-weight:800;margin-right:11px}.faq{border-top:1px solid #dce5e8;padding:66px 0 70px}.faq details{background:#fff;border:1px solid #e2e9ed;border-radius:10px;margin:10px 0;padding:18px 20px}.faq summary{cursor:pointer;font-weight:700}.faq details p{color:#5b7080;line-height:1.65;margin:13px 0 0}.sources{border-top:1px solid #dce5e8;padding:60px 0 70px}.sources ul{padding-left:20px;line-height:2}.sources a{color:#136f70}.updated{font-size:13px}footer{background:#173846;color:#fff}.foot-inner{display:flex;justify-content:space-between;gap:30px;align-items:center;padding:35px 0;font-size:13px}footer p,footer span{color:#b7cbd2;line-height:1.5;margin-bottom:0}@media(max-width:800px){.calculator{grid-template-columns:1fr}.result-side{min-height:390px}.explanation{grid-template-columns:1fr;gap:18px}.workspace{padding-top:30px}.intro{align-items:start}.trust{display:none}}@media(max-width:540px){.shell{width:min(100% - 28px,1160px)}.header-inner{height:70px}nav{gap:13px}nav a{font-size:12px}nav a:first-child{display:none}.intro{margin-bottom:23px}.form-side,.result-side{padding:22px 19px}.field-pair{grid-template-columns:1fr;gap:0}.price{margin:27px 0 16px}.price span{font-size:34px}.foot-inner{display:block}.explanation{padding-top:64px}}
/* Editorial expansion */
:root{--ink:#172b42;--teal:#126e69;--line:#dfe8eb}a{text-underline-offset:3px}a:hover{color:#0e7773}h1,h2,h3{font-weight:780}.site-head{position:relative;z-index:2;box-shadow:0 1px 0 #eef3f5}.header-inner{min-height:88px;height:auto;gap:22px}nav{flex-wrap:wrap;justify-content:flex-end;gap:8px 23px}nav a{padding:8px 0}nav a[href="/guides/"]{color:#175e5d}.workspace{position:relative}.workspace:before{content:"";position:absolute;z-index:-1;left:50%;top:0;transform:translateX(-50%);width:100vw;height:510px;background:radial-gradient(circle at 82% 10%,#dff1ed 0%,#f4f9f9 38%,transparent 70%);pointer-events:none}.intro{margin-bottom:30px}.intro h1{color:#102d3f}.calculator{box-shadow:0 26px 70px #17445617,0 2px 8px #17445608;border-color:#d6e4e7}.form-side{padding:33px 36px 30px}.result-side{padding:39px 38px;background:linear-gradient(145deg,#e3f3ee 0%,#e9f5f4 50%,#dceeea 100%)}.calculate{transition:background .2s,transform .2s}.calculate:hover{transform:translateY(-1px)}.guide-preview{padding:78px 0 12px}.section-heading{display:flex;align-items:end;justify-content:space-between;gap:20px;margin-bottom:22px}.section-heading a{text-decoration:none;font-size:14px;font-weight:700;color:#0f716d}.section-heading h2{max-width:670px;margin:0}.guide-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.guide-card,.guide-row{display:block;text-decoration:none;background:#fff;border:1px solid #e0e9ec;border-radius:17px;padding:26px;box-shadow:0 12px 30px #16445408;transition:transform .2s,box-shadow .2s,border-color .2s}.guide-card:hover,.guide-row:hover{transform:translateY(-3px);box-shadow:0 18px 36px #16445415;border-color:#acd1cc;color:inherit}.card-kicker{font-size:11px;letter-spacing:.13em;color:#0c8178;font-weight:800}.guide-card h3{font-size:20px;line-height:1.22;letter-spacing:-.035em;margin:14px 0 10px}.guide-card p,.guide-row p{font-size:14px;color:#5b7080;line-height:1.55;margin:0 0 24px}.card-arrow{font-size:13px;font-weight:800;color:#16756e}.explanation{padding-top:85px}.footer-links{display:flex;flex-wrap:wrap;gap:12px 20px;justify-content:flex-end;max-width:460px}.footer-links a{color:#dce9eb;text-decoration:none}.footer-links span{width:100%;text-align:right;margin-top:6px}.content-page{min-height:65vh}.inner-shell{padding:68px 0 100px}.page-intro{max-width:760px;margin-bottom:38px}.page-intro h1,.prose-shell h1,.article-header h1{font-size:clamp(34px,5vw,55px);line-height:1.1;letter-spacing:-.055em;margin:0 0 18px}.page-intro>p:last-child{font-size:18px;color:#5a7180;line-height:1.6}.guide-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.guide-row{min-height:235px}.guide-row h2{font-size:23px;line-height:1.25;margin:14px 0 11px}.content-note{font-size:14px;color:#677d89;line-height:1.6;margin-top:26px}.prose-shell{max-width:860px;padding:70px 0 100px}.prose-shell .lede,.article-header .lede{font-size:19px;line-height:1.65;color:#506b79}.prose-shell h2,.article-body h2{font-size:27px;line-height:1.2;letter-spacing:-.035em;margin:42px 0 13px}.prose-shell p,.article-body p,.article-body li{font-size:16px;line-height:1.78;color:#405766}.prose-shell a,.article-body a{color:#0a756c}.prose-shell strong,.article-body strong{color:#233e4c}.prose-shell ul,.article-body ul,.article-body ol{padding-left:24px;line-height:1.8}.table-scroll{overflow:auto;background:#fff;border:1px solid #dfe8eb;border-radius:12px}.table-scroll table{border-collapse:collapse;width:100%;min-width:600px;font-size:14px;line-height:1.55}.table-scroll th{text-align:left;background:#e7f2f0;color:#255a58}.table-scroll td,.table-scroll th{padding:14px 18px;border-bottom:1px solid #e4ebee;vertical-align:top}.table-scroll td:first-child{font-weight:700;width:27%}.article-shell{padding:29px 0 100px}.breadcrumb{font-size:13px;color:#718593;margin-bottom:45px}.breadcrumb a{color:#417b79;text-decoration:none}.article{max-width:760px;margin:auto}.article-header{padding-bottom:18px;border-bottom:1px solid #dce5e8}.article-header .eyebrow{line-height:1.5}.article-body section{margin:45px 0}.article-body section h2{margin:0 0 12px}.source-box{background:#e7f2f1;padding:25px;border-radius:14px;margin-top:50px}.source-box ul{margin:8px 0}.source-box p{font-size:13px}.article-next{margin:75px auto 0;max-width:760px;background:#173c48;color:white;border-radius:18px;padding:28px 34px}.article-next span{font-size:11px;letter-spacing:.13em;color:#9ed9d1;font-weight:800}.article-next h2{font-size:26px;margin:9px 0}.article-next p{color:#c5d9de;margin:0 0 24px}.button-link{display:inline-block;background:#e8f8f4;color:#0e675e;text-decoration:none;padding:12px 18px;border-radius:9px;font-size:14px;font-weight:800}.button-link:hover{color:#0d534f}.contact-shell{max-width:800px}.contact-form{background:#fff;border:1px solid #dee8ec;box-shadow:0 16px 48px #1644540b;border-radius:18px;padding:28px 30px;margin-top:34px}.contact-form label{display:block;font-size:14px;font-weight:700;color:#354b5c;margin-bottom:20px}.contact-form input,.contact-form select,.contact-form textarea{display:block;width:100%;border:1px solid #d4e1e5;border-radius:9px;background:#fff;padding:12px 13px;font:inherit;margin-top:8px;color:#172b42;min-height:46px}.contact-form textarea{resize:vertical}.contact-form input:focus,.contact-form select:focus,.contact-form textarea:focus{outline:3px solid #93d6ca;outline-offset:1px}.contact-form .calculate:disabled{cursor:not-allowed;opacity:.57;transform:none}.form-status{font-size:13px!important;color:#657c88!important;line-height:1.5!important}.honeypot{position:absolute;left:-9999px;opacity:0}
@media(max-width:850px){nav{gap:6px 13px}.guide-cards{grid-template-columns:1fr 1fr}.guide-card:last-child{grid-column:span 2}.footer-links{max-width:340px}}
@media(max-width:600px){.header-inner{padding:10px 0;align-items:flex-start}.brand{padding-top:4px}.brand .mark{width:34px;height:34px}nav{max-width:190px;gap:1px 10px}nav a{font-size:12px}nav a[href="/methodology/"]{display:none}.form-side,.result-side{padding:22px 19px}.guide-cards,.guide-grid{grid-template-columns:1fr}.guide-card:last-child{grid-column:auto}.section-heading{align-items:start}.guide-preview{padding-top:58px}.guide-card{padding:22px}.inner-shell,.prose-shell{padding-top:48px;padding-bottom:70px}.article-shell{padding-bottom:70px}.breadcrumb{margin-bottom:35px}.article-next{padding:25px}.foot-inner{padding:30px 0}.footer-links{justify-content:flex-start;margin-top:22px}.footer-links span{text-align:left}.contact-form{padding:23px 20px}}
.blog-feature{display:grid;grid-template-columns:1.2fr .8fr;gap:44px;align-items:center;margin-top:36px;padding:34px 40px;background:#173c48;border-radius:19px;color:#fff}.blog-feature h2{max-width:560px;margin:0 0 13px;color:#fff}.blog-feature p:not(.eyebrow){color:#cbdde0;line-height:1.6;margin:0 0 23px;max-width:540px}.blog-feature .eyebrow{color:#9edbd3}.blog-feature-links{display:grid;gap:8px}.blog-feature-links a{display:block;color:#e7f4f4;text-decoration:none;border:1px solid #ffffff2b;border-radius:10px;padding:15px 17px;font-weight:650;font-size:14px}.blog-feature-links a:hover{background:#ffffff16;color:#fff}.blog-index .page-intro{max-width:820px}.blog-nav{display:flex;flex-wrap:wrap;gap:8px 10px;justify-content:flex-start;margin-bottom:30px}.blog-nav a{background:#e0efeb;border:1px solid #cbe5df;border-radius:999px;color:#205e5b;padding:10px 14px;text-decoration:none;font-size:14px;font-weight:700}.blog-nav a:hover{background:#c9e5dc}.blog-note{display:flex;gap:11px 21px;align-items:center;flex-wrap:wrap;background:#fff;border:1px solid #dfe8ea;padding:18px 21px;border-radius:12px;margin-bottom:50px}.blog-note strong{font-size:13px;color:#255756}.blog-note a{font-size:13px;color:#0f716c}.blog-category{scroll-margin-top:28px;margin:0 0 67px}.blog-category .section-heading{border-bottom:1px solid #dce6e9;padding-bottom:15px;margin-bottom:19px}.blog-category .section-heading .eyebrow{margin-bottom:5px}.blog-category .section-heading h2{font-size:30px}.blog-category .section-heading>span{font-size:13px;color:#667c88}.blog-card{min-height:205px}.blog-card h3{font-size:21px;letter-spacing:-.03em;line-height:1.24;margin:12px 0 10px}.blog-card p{margin-bottom:17px}.quick-check{background:#f1f7f5;border-radius:13px;padding:20px 25px}.quick-check h2{margin:0 0 8px!important;font-size:21px}.quick-check li{padding:3px 0}.related-links{display:grid;gap:11px}.related-links a{color:#d9f2ed;text-decoration:none;font-weight:650}.related-links a:hover{color:#fff;text-decoration:underline}
@media(max-width:760px){.blog-feature{grid-template-columns:1fr;padding:28px;gap:18px}.blog-feature-links{grid-template-columns:1fr}.blog-category .section-heading{align-items:center}}
@media(max-width:540px){.blog-feature{margin-top:24px;padding:23px}.blog-nav{gap:7px}.blog-nav a{font-size:12px;padding:8px 10px}.blog-note{display:grid}.blog-card{min-height:0}.blog-category{margin-bottom:50px}}
.header-search{padding-bottom:13px}.site-search{display:flex;align-items:center;justify-content:flex-end;gap:14px}.site-search label,.blog-search label,.search-page-form label{font-size:14px;font-weight:700;color:#365b66}.site-search .search-control{width:min(410px,100%)}.search-control{display:flex;align-items:stretch;gap:8px}.search-control input{font:inherit;font-size:15px;min-width:0;flex:1;min-height:43px;padding:10px 13px;background:#fff;color:#172b42;border:1px solid #cddfe1;border-radius:9px}.search-control input:focus-visible,.search-control button:focus-visible{outline:3px solid #93d6ca;outline-offset:2px}.search-control button{font:inherit;font-size:14px;font-weight:800;cursor:pointer;background:#127b74;color:#fff;border:0;border-radius:9px;padding:10px 19px}.search-control button:hover{background:#0a655f}.blog-search,.search-page-form{background:#e8f3f1;border:1px solid #cfe6e1;border-radius:15px;padding:21px 24px;margin:0 0 27px}.blog-search label,.search-page-form label{display:block;margin-bottom:10px}.blog-search .search-control{max-width:680px}.search-page-form{max-width:760px;margin-bottom:20px}.search-summary{font-size:15px;color:#526b79;line-height:1.5;margin:0 0 22px}.search-result{min-height:190px}.search-result h2{font-size:21px;line-height:1.25;letter-spacing:-.03em;margin:12px 0 10px}.search-result p{margin-bottom:18px}
@media(max-width:760px){.header-search{padding-bottom:12px}.site-search{align-items:stretch;flex-direction:column;gap:7px}.site-search .search-control{width:100%}.blog-search,.search-page-form{padding:17px}}
@media(max-width:540px){.search-control button{padding:9px 14px}.search-control input{font-size:14px}.header-search{padding-top:2px}.site-search label{font-size:13px}}
.ad-slot[hidden]{display:none!important}.ad-slot{clear:both;text-align:center;background:#f0f5f6;border:1px solid #dce7e9;border-radius:12px;margin:32px auto;min-height:100px;padding:15px;max-width:850px}.ad-slot--preview{display:grid;place-items:center;font-size:13px;color:#5c737c;letter-spacing:.02em;border-style:dashed}.article .ad-slot{margin:42px 0}.ad-label{display:block;font-size:12px;color:#5d7680;margin-bottom:12px}.ad-slot .adsbygoogle{width:100%;min-height:90px}.province-preview{padding-top:66px}.province-links{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:13px}.province-links a{background:#fff;border:1px solid #dce8eb;padding:21px;border-radius:12px;color:#205b61;text-decoration:none;font-size:15px;font-weight:700;line-height:1.45}.province-links a:hover{border-color:#8bbdb7}.calculation-breakdown{margin:8px 0 26px;border-top:1px solid #c7e1dc;padding-top:16px;color:#416361}.calculation-breakdown summary{cursor:pointer;font-size:14px;font-weight:700}.calculation-breakdown p{font-size:13px;line-height:1.6}.calculation-breakdown a{font-size:13px;color:#126e69}.article-body .ad-slot{max-width:none}
@media(max-width:760px){.province-links{grid-template-columns:1fr}.province-preview{padding-top:48px}.ad-slot{min-height:85px;margin:26px auto}.ad-slot .adsbygoogle{min-height:70px}}
.contact-email{background:#fff;border:1px solid #dce8eb;border-radius:16px;padding:28px 30px;margin:30px 0 18px;box-shadow:0 16px 42px #1644540b}.contact-email .eyebrow{margin-bottom:12px}.contact-address{font-size:clamp(18px,2.8vw,27px);font-weight:750;color:#126e69;overflow-wrap:anywhere}.contact-email p:last-child{font-size:15px;line-height:1.6;color:#526b79;margin:16px 0 0}@media(max-width:540px){.contact-email{padding:23px 20px}}
