:root{color-scheme:light;--paper:#f7f5ee;--white:#fffdf8;--ink:#1e2924;--muted:#526157;--green:#214237;--forest:#19372e;--moss:#e4ebe0;--line:#d8dbd0;--gold:#ad653b;--cream:#f1e6ce;--serif:Georgia,'Times New Roman',serif;--sans:system-ui,-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;font-family:var(--sans);color:var(--ink);background:var(--paper);line-height:1.55}
*,*::before,*::after{box-sizing:border-box}body{margin:0}p,h1,h2,h3,figure,dl,dd{margin:0}a{color:inherit;text-underline-offset:.22em}a:hover{text-decoration-thickness:2px}a:focus-visible,button:focus-visible,input:focus-visible{outline:3px solid #a54f27;outline-offset:4px}img{display:block;width:100%;height:auto}button,input{font:inherit}button{cursor:pointer}.shell{width:min(1200px,calc(100% - 5rem));margin-inline:auto}.skip{position:absolute;left:1rem;top:-8rem;padding:.7rem 1rem;background:var(--white);z-index:5}.skip:focus{top:.6rem}
.site-header{background:var(--white);border-bottom:1px solid var(--line)}.header-inner{display:flex;gap:2rem;align-items:center;justify-content:space-between;min-height:78px;padding:.75rem 0}.brand{display:inline-flex;align-items:center;gap:.55rem;text-decoration:none;font-weight:800;letter-spacing:-.04em;white-space:nowrap}.brand small{font-weight:650;color:var(--muted);font-size:.82em}.brand svg{flex:none}.header-inner nav{display:flex;align-items:center;gap:clamp(.8rem,2.5vw,2.2rem);font-weight:650;font-size:.94rem}.header-inner nav a{text-decoration:none;padding:.45rem 0}.header-inner nav a[aria-current=page],.header-inner nav a:hover{text-decoration:underline}
.button{display:inline-flex;justify-content:center;align-items:center;min-height:46px;padding:.62rem 1.03rem;border:1px solid var(--green);border-radius:.32rem;background:var(--green);color:white;font-weight:700;font-size:.92rem;text-align:center;text-decoration:none}.button:hover{background:#315849}.button.outline{background:transparent;color:var(--green)}.button.outline:hover{background:var(--moss)}.button.light{background:var(--cream);border-color:var(--cream);color:var(--forest)}.button.light:hover{background:#f9eed6}.actions{display:flex;flex-wrap:wrap;gap:.65rem;margin-top:1.55rem}
.kicker{font-size:.72rem;font-weight:800;text-transform:uppercase;letter-spacing:.14em;color:#91502e}.hero{display:grid;grid-template-columns:1fr 1fr;gap:clamp(2rem,5.3vw,5.5rem);align-items:center;padding:clamp(2.2rem,5.4vw,5.3rem) 0}.hero h1,.article-head h1{font:400 clamp(3.1rem,6.3vw,6.45rem)/.99 var(--serif);letter-spacing:-.063em;margin:.78rem 0 1.2rem}.hero-lead{font-size:clamp(1.06rem,1.65vw,1.28rem);max-width:31ch;color:var(--muted)}.hero-credit{margin-top:1.1rem;color:var(--muted);font-size:.86rem}.hero-photo{position:relative;overflow:hidden;border-radius:.65rem;background:var(--moss)}.hero-photo img{aspect-ratio:1.38;object-fit:cover;object-position:center}.hero-photo figcaption{position:absolute;inset:auto .7rem .7rem auto;padding:.36rem .6rem;border-radius:.25rem;background:#fffdf5;color:var(--ink);font-size:.75rem}.hero-photo figcaption a{font-weight:650}
.section,.journey{padding:clamp(2.65rem,5.3vw,5rem) 0}.journey{border-top:1px solid var(--line);padding-top:2.6rem}.section-head{max-width:48rem;margin-bottom:1.55rem}.section-head h2,.budget-band h2,.continue h2{font:400 clamp(2.18rem,4.3vw,3.85rem)/1.03 var(--serif);letter-spacing:-.049em;margin:.5rem 0 .65rem}.section-head>p:last-child:not(.kicker){color:var(--muted)}.stage-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:.85rem}.stage{display:grid;grid-template-rows:auto auto 1fr auto;min-height:207px;padding:1.17rem 1.2rem;background:var(--white);border:1px solid var(--line);border-radius:.4rem;text-decoration:none}.stage:hover{border-color:#64806c;background:#f1f4ec}.step-number{font-weight:750;color:#91502e;font-size:.78rem}.stage h3,.area-card h3,.field h3{font:400 1.45rem/1.1 var(--serif);letter-spacing:-.025em;margin:.42rem 0 .55rem}.stage p,.area-text>p:not(.kicker),.field article p{color:var(--muted);font-size:.92rem}.stage>[aria-hidden]{font-size:1.25rem;justify-self:end;color:var(--green)}
.budget-band{background:var(--forest);color:var(--white);padding:clamp(2.5rem,5vw,4.6rem) 0}.budget-band .kicker,.budget-results .kicker{color:#e4bd87}.budget-inner{display:grid;grid-template-columns:1fr minmax(300px,.78fr);gap:clamp(1.5rem,5vw,5rem);align-items:center}.budget-band p:not(.kicker){max-width:42ch;color:#e1e9e1;margin-bottom:1.1rem}.budget-example{padding:1.25rem 1.4rem;background:#ffffff0c;border:1px solid #ffffff30;border-radius:.55rem}.budget-example div,.budget-results dl div{display:flex;justify-content:space-between;gap:1rem;border-bottom:1px solid #ffffff28;padding:.58rem 0}.budget-example strong,.budget-results dd{white-space:nowrap}.budget-example small{display:block;margin-top:.8rem;color:#dbe6de}
.area-grid,.field-grid,.check-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem}.area-card,.field article{overflow:hidden;border:1px solid var(--line);background:var(--white);border-radius:.45rem}.area-photo img{aspect-ratio:2.3;object-fit:cover}.area-photo figcaption,.article-photo figcaption{padding:.35rem .85rem;font-size:.73rem;color:var(--muted);background:#eff1e9}.area-text,.field article{padding:1.15rem}.area-text h3 a,.field h3 a{text-decoration:none}.area-text h3 a:hover,.field h3 a:hover{text-decoration:underline}.text-link{display:inline-block;margin-top:.9rem;font-size:.91rem;font-weight:750;color:var(--green)}.field{border-top:1px solid var(--line)}.field-grid:has(.field article),.field .field-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.library{padding:2.75rem 0 3.7rem;background:#ebefe5;border-top:1px solid var(--line)}.library-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1.4rem}.library-grid h3{font-size:1rem;margin-bottom:.55rem}.library-links a,.related a{display:flex;justify-content:space-between;align-items:center;gap:.6rem;padding:.45rem .65rem;border-bottom:1px solid var(--line);font-size:.91rem;font-weight:650;text-decoration:none}.library-links a:hover,.related a:hover{background:#dfe8db;text-decoration:underline}
.breadcrumb{display:flex;flex-wrap:wrap;gap:.45rem .7rem;font-size:.85rem;color:var(--muted);margin-top:1.35rem}.article-head{padding:2.2rem 0 2rem;max-width:58rem}.article-head h1{font-size:clamp(2.9rem,5.6vw,5.35rem);margin:.6rem 0 1rem}.article-lead{font-size:clamp(1.05rem,2vw,1.3rem);max-width:57ch;color:var(--muted)}.article-meta{margin-top:.95rem;font-size:.84rem;color:var(--muted)}.article-meta span{margin-inline:.3rem}.article-photo{max-width:860px;overflow:hidden;border:1px solid var(--line);border-radius:.5rem;margin-bottom:1.7rem}.article-photo img{max-height:430px;object-fit:cover}.article-photo:has(img[src$="ruse.jpg"]) img{max-height:none;object-fit:contain}.article-grid{display:grid;grid-template-columns:minmax(0,760px) minmax(195px,1fr);gap:clamp(1.5rem,5vw,5rem);align-items:start}.prose{min-width:0;max-width:76ch;padding-bottom:1.4rem}.prose section{margin:1.75rem 0 2.3rem;scroll-margin-top:1rem}.prose h2,.article-aside h2{font:400 clamp(1.65rem,3vw,2.2rem)/1.13 var(--serif);letter-spacing:-.03em;margin-bottom:.75rem}.prose p+p{margin-top:.8rem}.prose ul{padding-left:1.35rem;margin:.65rem 0}.prose li+li{margin-top:.48rem}.takeaway{font-weight:700;background:var(--moss);border-inline-start:4px solid #617c64;padding:1rem 1.15rem;border-radius:.22rem}.article-aside nav{padding:1.15rem 1.25rem;background:var(--white);border:1px solid var(--line);border-radius:.45rem}.article-aside h2{font-size:1.35rem}.article-aside a{display:block;margin:.5rem 0;font-size:.88rem;color:var(--muted)}.sources a,.external-links a{font-weight:650;color:var(--green)}.table-wrap{overflow-x:auto}.prose table{border-collapse:collapse;width:100%;background:var(--white);font-size:.91rem}.prose th,.prose td{text-align:left;vertical-align:top;padding:.73rem .85rem;border:1px solid var(--line)}.prose th{background:var(--moss)}.continue{border-top:1px solid var(--line);margin-top:.4rem;padding:1.5rem 0 2.6rem}.continue h2{font-size:2rem}.related{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,200px),1fr));gap:.55rem}.related a{background:var(--white);border:1px solid var(--line);border-radius:.3rem;padding:.75rem}
.feature{margin:.3rem 0 2rem}.calculator,.checklist{background:var(--white);border:1px solid var(--line);border-radius:.55rem;padding:clamp(1rem,3.2vw,2.4rem)}.calculator-top{display:flex;justify-content:space-between;align-items:flex-start;flex-wrap:wrap;gap:1rem;margin-bottom:1.3rem}.calculator-top h2,.budget-results h3{font:400 clamp(1.85rem,3vw,2.6rem)/1.12 var(--serif);letter-spacing:-.04em;margin:.2rem 0 .4rem}.calculator-top p:not(.kicker){color:var(--muted);font-size:.93rem}.presets{display:flex;gap:.4rem;flex-wrap:wrap}.presets button{min-height:39px;background:white;border:1px solid #97a698;padding:.35rem .65rem;border-radius:2rem;color:var(--green);font-size:.82rem;font-weight:650}.presets button[aria-pressed=true]{background:var(--green);color:white;border-color:var(--green)}.calc-grid{display:grid;grid-template-columns:minmax(0,1.6fr) minmax(270px,1fr);gap:clamp(1rem,3vw,2rem);align-items:start}fieldset{min-inline-size:0;border:1px solid var(--line);margin:0 0 .85rem;padding:.72rem .9rem 1rem;border-radius:.35rem}legend{padding:0 .3rem;font-weight:750;font-size:.9rem}.money-field{display:grid;grid-template-rows:1fr auto;gap:.3rem;min-width:0;font-size:.82rem;font-weight:650}.money-input{display:flex;align-items:center;min-width:0;border:1px solid #a4afa0;border-radius:.28rem;background:white}.money-input>span{padding-left:.56rem;color:var(--muted)}.money-input input{border:0;min-width:0;width:100%;padding:.47rem .45rem;background:transparent;font-variant-numeric:tabular-nums}.budget-results{background:var(--forest);color:var(--white);padding:1.2rem 1.3rem;border-radius:.5rem}.budget-results h3{font-size:1.95rem}.budget-results dl{font-size:.92rem}.budget-results dd{font-weight:750}.budget-results .result-total{padding-block:.8rem;color:#f7dbad;font-size:1.1rem}.budget-results p:not(.kicker){color:#dbe6de;font-size:.8rem;margin:.8rem 0}.form-error{color:#9c2c1d;font-weight:750;font-size:.88rem}.checklist fieldset{margin:0}.checklist label{display:flex;gap:.55rem;align-items:flex-start;font-size:.89rem;margin:.55rem 0}.checklist input{accent-color:var(--green);width:1.1rem;height:1.1rem;flex:none;margin:.13rem 0 0}
.hero-photo-link{display:block;position:relative;text-decoration:none}.hero-photo-link:focus-visible{outline-offset:-4px}.photo-link-label{position:absolute;inset:auto .7rem .7rem auto;max-width:calc(100% - 1.4rem);padding:.36rem .6rem;border-radius:.25rem;background:#fffdf5;color:var(--ink);font-size:.75rem;font-weight:650}.hero-photo-link:hover .photo-link-label,.hero-photo-link:focus-visible .photo-link-label{text-decoration:underline}
.listing-path{display:flex;justify-content:space-between;align-items:center;gap:1.15rem 2rem;flex-wrap:wrap;margin:1rem 0 2rem;padding:1.3rem 1.45rem;background:var(--moss);border:1px solid var(--line);border-radius:.5rem}.listing-path h2{font:400 clamp(1.55rem,3vw,2.25rem)/1.12 var(--serif);margin:.36rem 0 .4rem}.listing-path p:not(.kicker){color:var(--muted)}.listing-path .actions{margin:0}.library#all-guides .section-head{max-width:none;margin-bottom:0}.library#all-guides .button{margin-top:.8rem}
.site-footer{background:#e7ebe2;border-top:1px solid var(--line);padding:1.6rem 0;color:var(--ink)}.footer-inner{display:grid;grid-template-columns:1.3fr 1fr auto;gap:1.4rem;align-items:start}.footer-inner p,.footer-inner nav{font-size:.84rem}.footer-inner p{margin-top:.45rem;color:var(--muted)}.footer-inner nav{display:grid;gap:.35rem}.copyright{white-space:nowrap}
@media(max-width:960px){.shell{width:calc(100% - 3rem)}.header-inner{gap:1rem}.header-contact{display:none}.hero{gap:1.6rem}.stage-grid,.library-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.article-grid{gap:1.5rem}}
@media(max-width:720px){.shell{width:calc(100% - 2rem)}.header-inner{flex-direction:column;align-items:flex-start;gap:.45rem;min-height:0;padding:.68rem 0}.header-inner nav{flex-wrap:wrap;gap:.5rem 1.12rem;font-size:.86rem}.header-inner nav a{padding:.25rem 0}.hero,.budget-inner,.article-grid,.calc-grid{grid-template-columns:1fr}.hero{gap:1.2rem}.hero-photo img{aspect-ratio:1.62}.wide-break{display:none}.stage{min-height:0;padding:.95rem}.area-grid,.check-grid{grid-template-columns:1fr}.area-photo img{aspect-ratio:2.45}.article-aside{grid-row:1}.article-aside nav{padding:.8rem 1rem}.article-aside h2{margin-bottom:.3rem}.article-aside a{display:inline-block;margin:.22rem .8rem .22rem 0}.footer-inner{grid-template-columns:1fr}.footer-inner p{margin-top:.2rem}}
@media(max-width:420px){.hero h1,.article-head h1{font-size:2.85rem}.stage-grid,.field .field-grid,.library-grid{grid-template-columns:1fr}.field-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.actions .button{flex-grow:1}.article-head{padding-top:1.6rem}}
@media print{body{background:white;color:black}.site-header,.site-footer,.breadcrumb,.article-aside,.continue,.print-button,.presets,.skip{display:none}.shell{width:auto}.article-head{padding:.3rem 0 1rem}.article-head h1{font-size:30pt}.calculator,.checklist{border:none;padding:0}.budget-results{background:white;color:black;border:1px solid #888}.budget-results .kicker,.budget-results p:not(.kicker),.budget-results .result-total{color:black}.calc-grid,.check-grid{display:block}.calc-grid fieldset,.check-grid fieldset{break-inside:avoid;margin-bottom:1rem}.article-grid{display:block}}