@font-face{font-family:Libre Franklin Variable;font-style:normal;font-display:swap;font-weight:100 900;src:url(/_astro/libre-franklin-cyrillic-ext-wght-normal.BbRulJFC.woff2)format("woff2-variations");unicode-range:U+460-52F,U+1C80-1C8A,U+20B4,U+2DE0-2DFF,U+A640-A69F,U+FE2E-FE2F}@font-face{font-family:Libre Franklin Variable;font-style:normal;font-display:swap;font-weight:100 900;src:url(/_astro/libre-franklin-cyrillic-wght-normal.se3OnFSl.woff2)format("woff2-variations");unicode-range:U+301,U+400-45F,U+490-491,U+4B0-4B1,U+2116}@font-face{font-family:Libre Franklin Variable;font-style:normal;font-display:swap;font-weight:100 900;src:url(/_astro/libre-franklin-vietnamese-wght-normal.DTJpi3oK.woff2)format("woff2-variations");unicode-range:U+102-103,U+110-111,U+128-129,U+168-169,U+1A0-1A1,U+1AF-1B0,U+300-301,U+303-304,U+308-309,U+323,U+329,U+1EA0-1EF9,U+20AB}@font-face{font-family:Libre Franklin Variable;font-style:normal;font-display:swap;font-weight:100 900;src:url(/_astro/libre-franklin-latin-ext-wght-normal.CeZZaleV.woff2)format("woff2-variations");unicode-range:U+100-2BA,U+2BD-2C5,U+2C7-2CC,U+2CE-2D7,U+2DD-2FF,U+304,U+308,U+329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}@font-face{font-family:Libre Franklin Variable;font-style:normal;font-display:swap;font-weight:100 900;src:url(/_astro/libre-franklin-latin-wght-normal.CLTz0ja0.woff2)format("woff2-variations");unicode-range:U+??,U+131,U+152-153,U+2BB-2BC,U+2C6,U+2DA,U+2DC,U+304,U+308,U+329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}@font-face{font-family:Newsreader Variable;font-style:normal;font-display:swap;font-weight:200 800;src:url(/_astro/newsreader-vietnamese-opsz-normal.BjhtXyW2.woff2)format("woff2-variations");unicode-range:U+102-103,U+110-111,U+128-129,U+168-169,U+1A0-1A1,U+1AF-1B0,U+300-301,U+303-304,U+308-309,U+323,U+329,U+1EA0-1EF9,U+20AB}@font-face{font-family:Newsreader Variable;font-style:normal;font-display:swap;font-weight:200 800;src:url(/_astro/newsreader-latin-ext-opsz-normal.BQn1nviT.woff2)format("woff2-variations");unicode-range:U+100-2BA,U+2BD-2C5,U+2C7-2CC,U+2CE-2D7,U+2DD-2FF,U+304,U+308,U+329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}@font-face{font-family:Newsreader Variable;font-style:normal;font-display:swap;font-weight:200 800;src:url(/_astro/newsreader-latin-opsz-normal.s-izfB6B.woff2)format("woff2-variations");unicode-range:U+??,U+131,U+152-153,U+2BB-2BC,U+2C6,U+2DA,U+2DC,U+304,U+308,U+329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}@font-face{font-family:Newsreader Variable;font-style:italic;font-display:swap;font-weight:200 800;src:url(/_astro/newsreader-vietnamese-opsz-italic.DTr-ymY4.woff2)format("woff2-variations");unicode-range:U+102-103,U+110-111,U+128-129,U+168-169,U+1A0-1A1,U+1AF-1B0,U+300-301,U+303-304,U+308-309,U+323,U+329,U+1EA0-1EF9,U+20AB}@font-face{font-family:Newsreader Variable;font-style:italic;font-display:swap;font-weight:200 800;src:url(/_astro/newsreader-latin-ext-opsz-italic.CSPGnFdO.woff2)format("woff2-variations");unicode-range:U+100-2BA,U+2BD-2C5,U+2C7-2CC,U+2CE-2D7,U+2DD-2FF,U+304,U+308,U+329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}@font-face{font-family:Newsreader Variable;font-style:italic;font-display:swap;font-weight:200 800;src:url(/_astro/newsreader-latin-opsz-italic.kJKFiXvB.woff2)format("woff2-variations");unicode-range:U+??,U+131,U+152-153,U+2BB-2BC,U+2C6,U+2DA,U+2DC,U+304,U+308,U+329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}:root{--paper:#fff;--ink:#10301f;--ink-soft:#1d5a3c;--text:#2b2f2d;--muted:#5d6762;--rule:#d6ddd9;--tint:#edf3ef;--alert:#9c2f24;--focus:#2f7d55;--gold:#b08a4e;--font-head:"Libre Franklin Variable", "Franklin Gothic Medium", "Helvetica Neue", Arial, sans-serif;--font-body:"Newsreader Variable", Georgia, "Times New Roman", serif;--wrap:1180px;--measure:680px;--gutter:clamp(1rem, 3vw, 1.5rem);color-scheme:light}*,:before,:after{box-sizing:border-box}html{-webkit-text-size-adjust:100%;text-size-adjust:100%}body{background:var(--paper);color:var(--text);font-family:var(--font-body);font-optical-sizing:auto;-webkit-font-smoothing:antialiased;margin:0;font-size:1.0625rem;line-height:1.55}img,svg{max-width:100%;height:auto}a{color:var(--ink-soft);text-underline-offset:.18em;text-decoration-thickness:1px}a:hover{color:var(--ink);text-decoration-thickness:2px}:focus-visible{outline:2px solid var(--focus);outline-offset:2px;border-radius:2px}.wrap{max-width:var(--wrap);padding:0 var(--gutter);margin:0 auto}.visually-hidden{clip:rect(0 0 0 0);white-space:nowrap;width:1px;height:1px;overflow:hidden;position:absolute!important}.skip-link{background:var(--ink);color:#fff;font-family:var(--font-head);z-index:10;padding:.5rem .75rem;position:absolute;top:-3rem;left:1rem}.skip-link:focus{color:#fff;top:1rem}.masthead{border-bottom:1px solid var(--rule);background:var(--paper)}.masthead__top{align-items:center;gap:1.5rem;min-height:4.25rem;display:flex}.wordmark{font-family:var(--font-body);font-variation-settings:"opsz" 72;letter-spacing:-.012em;color:var(--ink);white-space:nowrap;align-items:center;gap:.32em;font-size:clamp(1.55rem,2.9vw,1.95rem);font-weight:600;line-height:1;text-decoration:none;display:inline-flex}.wordmark:hover{color:var(--ink)}.wordmark>span{padding-top:.06em}.wordmark__mark{flex:none;width:1.22em;height:1.22em}.wordmark__disc{fill:var(--ink)}.wordmark__ring{fill:none;stroke:var(--gold);stroke-width:1.5px}.wordmark__letter{fill:#fff}.sections{font-family:var(--font-head);gap:1.35rem;margin-left:auto;font-size:.9375rem;font-weight:550;display:flex}.sections a{color:var(--text);border-bottom:2px solid #0000;padding:.35rem 0;text-decoration:none}.sections a:hover{color:var(--ink);border-bottom-color:var(--rule)}.sections a[aria-current=page]{color:var(--ink);border-bottom-color:var(--ink)}.masthead__search{font-family:var(--font-head);color:var(--ink);border:1px solid var(--rule);border-radius:3px;padding:.4rem .75rem;font-size:.9375rem;font-weight:550;text-decoration:none}.masthead__search:hover{border-color:var(--ink)}.masthead__sub{border-top:1px solid var(--rule);font-family:var(--font-head);color:var(--muted);justify-content:space-between;gap:1rem;padding-top:.45rem;padding-bottom:.45rem;font-size:.8125rem;display:flex}.mobile-sections{display:none}@media (width<=960px){.sections{display:none}.masthead__search{margin-left:auto}.mobile-sections{display:block}.mobile-sections summary{cursor:pointer;font-family:var(--font-head);color:var(--paper);background:var(--ink);border-radius:3px;padding:.45rem .8rem;font-size:.9375rem;font-weight:600;list-style:none}.mobile-sections summary::-webkit-details-marker{display:none}.mobile-sections[open] summary{background:var(--ink-soft)}.mobile-sections__panel{background:var(--paper);border-bottom:1px solid var(--rule);z-index:5;margin-top:.85rem;position:absolute;left:0;right:0;box-shadow:0 12px 24px -16px #10301f59}.mobile-sections__panel ul{padding:.5rem var(--gutter) 1rem;margin:0;list-style:none}.mobile-sections__panel a{border-bottom:1px solid var(--rule);font-family:var(--font-head);color:var(--ink);padding:.7rem 0;font-size:1.0625rem;font-weight:600;text-decoration:none;display:block}.masthead__sub .masthead__tagline{display:none}}@media (width<=440px){.masthead__top{gap:.75rem}.masthead__search{display:none}.mobile-sections{margin-left:auto}}.kicker{font-family:var(--font-head);color:var(--ink-soft);margin-bottom:.4rem;font-size:.875rem;font-weight:650;text-decoration:none;display:inline-block}.kicker:hover{text-decoration:underline}.headline{font-family:var(--font-head);color:var(--ink);letter-spacing:-.012em;text-wrap:balance;margin:0;font-weight:750;line-height:1.15}.headline a{color:inherit;text-decoration:none}.headline a:hover{text-decoration:underline 2px}.dek{font-family:var(--font-body);color:var(--muted);text-wrap:pretty;margin:.45rem 0 0}.meta{font-family:var(--font-head);color:var(--muted);margin-top:.55rem;font-size:.8125rem}.meta--row{flex-wrap:wrap;gap:.25rem 1.1rem;display:flex}.story-item__image{background:var(--tint);margin-bottom:.85rem;display:block;overflow:hidden}.story-item__image img{aspect-ratio:16/10;object-fit:cover;width:100%;transition:transform .22s;display:block}.story-item:hover .story-item__image img{transform:scale(1.015)}.home-top{grid-template-columns:minmax(0,1fr) 340px;gap:clamp(1.5rem,4vw,3.5rem);padding:clamp(1.75rem,4vw,3rem) 0 clamp(2rem,4vw,3rem);display:grid}.lead .headline{letter-spacing:-.022em;max-width:17ch;font-size:clamp(2.1rem,4.6vw,3.55rem);font-weight:800;line-height:1.04}.lead .dek{max-width:38em;margin-top:.9rem;font-size:clamp(1.15rem,1.8vw,1.375rem);line-height:1.45}.lead .meta{margin-top:.9rem}.lead__image{margin-bottom:1.25rem;display:block}.lead__image img{width:100%;height:auto;display:block}.short-version{background:var(--tint);border-left:4px solid var(--ink);max-width:44rem;margin-top:1.6rem;padding:1.1rem 1.35rem 1.15rem}.short-version h2{font-family:var(--font-head);color:var(--ink);margin:0 0 .45rem;font-size:1rem;font-weight:750}.short-version ul{margin:0;padding-left:1.1rem}.short-version li{margin:.3rem 0;line-height:1.45}.short-version li::marker{color:var(--ink-soft)}.latest h2,.section-head h2{font-family:var(--font-head);color:var(--ink);letter-spacing:-.01em;margin:0;font-size:1.25rem;font-weight:800}.latest{border-top:3px solid var(--ink);padding-top:.7rem}.latest ol{margin:.6rem 0 0;padding:0;list-style:none}.latest li{border-bottom:1px solid var(--rule);grid-template-columns:3.6rem minmax(0,1fr);gap:.75rem;padding:.8rem 0;display:grid}.latest li:last-child{border-bottom:0}.latest time{font-family:var(--font-head);color:var(--muted);padding-top:.15rem;font-size:.8125rem}.latest .headline{font-size:1.0625rem;font-weight:700;line-height:1.25}.latest__all{font-family:var(--font-head);margin-top:.6rem;font-size:.875rem;font-weight:600;display:inline-block}@media (width<=880px){.home-top{grid-template-columns:1fr}}.tools-band{background:var(--tint);margin:.5rem 0 clamp(2rem,4vw,3rem);padding:clamp(1.75rem,4vw,2.75rem) 0}.tools-band__intro{max-width:34rem}.tools-band__intro h2{font-family:var(--font-head);letter-spacing:-.015em;color:var(--ink);margin:0;font-size:clamp(1.5rem,2.6vw,1.9rem);font-weight:800}.tools-band__intro p{color:var(--muted);margin:.4rem 0 0}.tools-band__list{grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem;margin:1.5rem 0 0;padding:0;list-style:none;display:grid}.tools-band__list li{background:var(--paper);border:1px solid var(--rule);border-radius:4px;flex-direction:column;padding:1.1rem 1.2rem 1.25rem;display:flex}.tools-band__list h3{font-family:var(--font-head);color:var(--ink);margin:0;font-size:1.125rem;font-weight:750}.tools-band__list h3 a{color:inherit;text-decoration:none}.tools-band__list h3 a:after{content:"";position:absolute;inset:0}.tools-band__list li{position:relative}.tools-band__list li:hover{border-color:var(--ink-soft)}.tools-band__list li:hover h3 a{text-decoration:underline}.tools-band__list p{margin:.4rem 0 0;font-size:1rem;line-height:1.45}@media (width<=760px){.tools-band__list{grid-template-columns:1fr}}.section-block{margin-bottom:clamp(2.25rem,5vw,3.5rem)}.section-head{border-top:3px solid var(--ink);justify-content:space-between;align-items:baseline;gap:1rem;margin-bottom:1.1rem;padding-top:.7rem;display:flex}.section-head h2 a{color:inherit;text-decoration:none}.section-head h2 a:hover{text-decoration:underline}.section-head__more{font-family:var(--font-head);white-space:nowrap;font-size:.875rem;font-weight:600}.story-grid{grid-template-columns:repeat(4,minmax(0,1fr));gap:1.5rem 1.75rem;margin:0;padding:0;list-style:none;display:grid}.story-grid>li+li{border-left:1px solid var(--rule);padding-left:1.75rem}.story-grid>li:nth-child(4n+1){border-left:0;padding-left:0}.story-grid .headline{font-size:1.1875rem}.story-grid--three{grid-template-columns:repeat(3,minmax(0,1fr))}.story-grid--three>li:nth-child(4n+1){border-left:1px solid var(--rule);padding-left:1.75rem}.story-grid--three>li:first-child{border-left:0;padding-left:0}.story-grid .dek{font-size:1rem;line-height:1.45}.story-grid--first{grid-template-columns:var(--cols,2fr 1fr 1fr)}.story-grid--first>li:nth-child(4n+1){border-left:1px solid var(--rule);padding-left:1.75rem}.story-grid--first>li:first-child{border-left:0;padding-left:0}.story-grid--first>li:first-child .headline{font-size:1.6rem;font-weight:800;line-height:1.1}.story-grid--first>li:first-child .dek{font-size:1.125rem}@media (width<=960px){.story-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.story-grid>li+li{border-left:0;padding-left:0}.story-grid--first{grid-template-columns:repeat(2,minmax(0,1fr))}.story-grid--first>li:first-child{grid-column:1/-1}.story-grid--three{grid-template-columns:1fr}.story-grid--three>li{border-left:0!important;padding-left:0!important}}@media (width<=600px){.story-grid{grid-template-columns:1fr;gap:0}.story-grid>li{border-bottom:1px solid var(--rule);padding:1rem 0!important}.story-grid>li:first-child{padding-top:0!important}.story-grid>li:last-child{border-bottom:0}.story-grid--first{grid-template-columns:1fr}.story-grid--first>li:first-child{grid-column:auto}}.page-head{border-bottom:1px solid var(--rule);margin-bottom:1.75rem;padding:clamp(1.75rem,4vw,2.75rem) 0 1.5rem}.page-head h1{font-family:var(--font-head);letter-spacing:-.022em;color:var(--ink);margin:0;font-size:clamp(2rem,4.5vw,3rem);font-weight:800;line-height:1.05}.page-head p{color:var(--muted);max-width:40em;margin:.6rem 0 0;font-size:1.1875rem}.river{max-width:820px;margin:0;padding:0;list-style:none}.river li{border-bottom:1px solid var(--rule);padding:1.25rem 0}.river li:first-child{padding-top:0}.river .headline{font-size:1.375rem}.river .dek{font-size:1.0625rem}.river .story-item--has-image{grid-template-columns:minmax(180px,240px) minmax(0,1fr);align-items:start;gap:1.25rem;display:grid}.river .story-item__image{margin:0}@media (width<=620px){.river .story-item--has-image{grid-template-columns:1fr;gap:.9rem}}.listing-layout{grid-template-columns:minmax(0,1fr) 300px;gap:clamp(1.5rem,4vw,3.5rem);padding-bottom:3rem;display:grid}@media (width<=960px){.listing-layout{grid-template-columns:1fr}}.pagination{font-family:var(--font-head);justify-content:space-between;gap:1rem;margin-top:1.5rem;font-size:.9375rem;font-weight:600;display:flex}.pagination span{color:var(--muted);font-weight:500}.crumbs ol{font-family:var(--font-head);color:var(--muted);flex-wrap:wrap;gap:.35rem;margin:0;padding:0;font-size:.8125rem;list-style:none;display:flex}.crumbs li+li:before{content:"/";color:var(--rule);margin-right:.35rem}.crumbs a{color:var(--muted);text-decoration:none}.crumbs a:hover{color:var(--ink);text-decoration:underline}.story-head{max-width:860px;padding:clamp(1.5rem,4vw,2.75rem) 0 1.4rem}.story-head .crumbs{margin-bottom:1.1rem}.story-head h1{font-family:var(--font-head);letter-spacing:-.022em;color:var(--ink);text-wrap:balance;margin:0;font-size:clamp(2rem,4.4vw,3.15rem);font-weight:800;line-height:1.06}.story-head .dek{max-width:40em;margin-top:.85rem;font-size:clamp(1.15rem,2vw,1.375rem);line-height:1.45}.byline{border-top:1px solid var(--rule);font-family:var(--font-head);color:var(--muted);flex-wrap:wrap;align-items:baseline;gap:.25rem 1.5rem;margin-top:1.25rem;padding-top:.9rem;font-size:.875rem;display:flex}.byline__author{color:var(--text);font-weight:600}.byline__author a{color:inherit;text-decoration:none}.byline__author a:hover{text-decoration:underline}.story-layout{grid-template-columns:minmax(0, var(--measure)) minmax(0, 1fr);gap:clamp(2rem,5vw,4.5rem);padding-bottom:3rem;display:grid}.story-rail{max-width:320px}.story-rail__sticky{position:sticky;top:1.25rem}@media (width<=1000px){.story-layout{grid-template-columns:minmax(0,1fr)}.story-main{max-width:var(--measure)}.story-rail{display:none}}.story-main .short-version,.story-cover{margin:0 0 1.75rem}.story-cover img,.prose figure img{width:100%;height:auto;display:block}.prose figure{margin:1.8em 0}.story-cover figcaption,.prose figcaption{font-family:var(--font-head);color:var(--muted);margin-top:.55rem;font-size:.8125rem;line-height:1.45}.toc h2{font-family:var(--font-head);color:var(--ink);margin:0 0 .6rem;font-size:.9375rem;font-weight:750}.toc ol{border-left:2px solid var(--rule);margin:0;padding:0;list-style:none}.toc li a{font-family:var(--font-head);color:var(--text);border-left:2px solid #0000;margin-left:-2px;padding:.35rem 0 .35rem .85rem;font-size:.875rem;line-height:1.35;text-decoration:none;display:block}.toc li a:hover{color:var(--ink);border-left-color:var(--ink)}.toc-inline{border-top:1px solid var(--rule);border-bottom:1px solid var(--rule);margin:0 0 1.75rem;display:none}.toc-inline summary{cursor:pointer;font-family:var(--font-head);color:var(--ink);padding:.75rem 0;font-size:.9375rem;font-weight:650}.toc-inline ol{font-family:var(--font-head);margin:0 0 1rem;padding-left:1.2rem;font-size:.9375rem}.toc-inline li{margin:.35rem 0}@media (width<=1000px){.toc-inline{display:block}}.prose{color:var(--text);font-size:1.1875rem;line-height:1.65}.prose>*+*{margin-top:1.1em}.prose p{margin:0}.prose p+p{margin-top:1.1em}.prose h2{font-family:var(--font-head);letter-spacing:-.01em;color:var(--ink);margin:2.1em 0 0;scroll-margin-top:1.25rem;font-size:1.5rem;font-weight:750;line-height:1.2}.prose h3{font-family:var(--font-head);color:var(--ink);margin:1.75em 0 0;scroll-margin-top:1.25rem;font-size:1.1875rem;font-weight:700;line-height:1.3}.prose h2+*,.prose h3+*{margin-top:.6em}.prose ul,.prose ol{margin-bottom:0;padding-left:1.4rem}.prose li{margin:.4em 0}.prose li::marker{color:var(--ink-soft)}.prose strong{color:#1d211f;font-weight:650}.prose blockquote{border-left:3px solid var(--ink);color:var(--ink);margin:1.6em 0;padding:.1em 0 .1em 1.2rem;font-size:1.25rem;font-style:italic}.prose hr{border:0;border-top:1px solid var(--rule);margin:2.2em 0}.prose table,.data-table{border-collapse:collapse;width:100%;font-family:var(--font-head);font-variant-numeric:tabular-nums;font-size:.9375rem;line-height:1.4}.table-scroll{margin:1.6em 0;overflow-x:auto}.prose .table-scroll table{margin:0}.prose th,.data-table th{text-align:left;color:var(--ink);border-bottom:2px solid var(--ink);vertical-align:bottom;padding:.55rem .9rem .45rem 0;font-weight:700}.prose td,.data-table td{border-bottom:1px solid var(--rule);vertical-align:top;padding:.55rem .9rem .55rem 0}.note{border:1px solid var(--rule);font-family:var(--font-head);color:var(--muted);border-radius:4px;margin-top:2.25rem;padding:1rem 1.2rem;font-size:.875rem;line-height:1.5}.note strong{color:var(--text)}.author-box{border-top:3px solid var(--ink);margin-top:2rem;padding-top:1.25rem}.author-box h2{font-family:var(--font-head);color:var(--ink);margin:0;font-size:1.0625rem;font-weight:750}.author-box h2 a{color:inherit}.author-box p{color:var(--muted);margin:.4rem 0 0;font-size:1rem}.share{font-family:var(--font-head);flex-wrap:wrap;gap:.5rem;margin-top:1.5rem;font-size:.875rem;display:flex}.share__label{width:100%;color:var(--ink);font-weight:650}.share a,.share button{font:inherit;color:var(--ink);background:var(--paper);border:1px solid var(--rule);cursor:pointer;border-radius:3px;padding:.4rem .75rem;font-weight:600;text-decoration:none}.share a:hover,.share button:hover{border-color:var(--ink)}.related{border-top:1px solid var(--rule);padding-top:2rem;padding-bottom:3rem}.ad{text-align:center;min-height:280px;margin:1.75rem 0}.ad--rail{min-height:600px;margin:2rem 0 0}.ad--listing{min-height:250px}.ad__label{font-family:var(--font-head);color:var(--muted);margin:0 0 .35rem;font-size:.6875rem}.tool-head{max-width:820px;padding:clamp(1.5rem,4vw,2.75rem) 0 1.5rem}.tool-head h1{font-family:var(--font-head);letter-spacing:-.022em;color:var(--ink);margin:.2rem 0 0;font-size:clamp(2rem,4.4vw,3rem);font-weight:800;line-height:1.06}.tool-head .dek{font-size:1.25rem}.calc{border:1px solid var(--rule);border-radius:6px;grid-template-columns:minmax(0,5fr) minmax(0,7fr);margin-bottom:2.5rem;display:grid;overflow:hidden}.calc__inputs{background:var(--tint);padding:clamp(1.1rem,3vw,1.75rem)}.calc__results{padding:clamp(1.1rem,3vw,1.75rem)}@media (width<=820px){.calc{grid-template-columns:1fr}}.field{margin-bottom:1.1rem}.field label,.field legend{font-family:var(--font-head);color:var(--ink);margin-bottom:.35rem;font-size:.9375rem;font-weight:650;display:block}.field__hint{font-family:var(--font-head);color:var(--muted);margin-top:.3rem;font-size:.8125rem;display:block}.input-group{background:var(--paper);border:1px solid #b9c4be;border-radius:4px;align-items:stretch;display:flex}.input-group:focus-within{border-color:var(--ink);box-shadow:0 0 0 2px #2f7d5540}.input-group span{font-family:var(--font-head);color:var(--muted);align-items:center;padding:0 .7rem;font-size:.9375rem;display:flex}.input-group input,.input-group select{min-width:0;font-family:var(--font-head);font-variant-numeric:tabular-nums;color:var(--text);background:0 0;border:0;flex:1;padding:.65rem .7rem;font-size:1.0625rem}.input-group span+input{padding-left:0}.input-group input:focus,.input-group select:focus{outline:none}fieldset.field{border:0;margin:0 0 1.1rem;padding:0}.segmented{background:var(--paper);border:1px solid #b9c4be;border-radius:4px;display:flex;overflow:hidden}.segmented label{flex:1;margin:0;font-size:.875rem;font-weight:600;position:relative}.segmented input{opacity:0;position:absolute}.segmented span{text-align:center;cursor:pointer;color:var(--text);padding:.55rem .5rem;display:block}.segmented label+label span{border-left:1px solid #b9c4be}.segmented input:checked+span{background:var(--ink);color:#fff}.segmented input:focus-visible+span{outline:2px solid var(--focus);outline-offset:-3px}.result-main{border-bottom:1px solid var(--rule);margin-bottom:1rem;padding-bottom:1rem}.result-main__label{font-family:var(--font-head);color:var(--muted);margin:0;font-size:.9375rem;font-weight:600}.result-main__value{font-family:var(--font-head);letter-spacing:-.03em;color:var(--ink);font-variant-numeric:tabular-nums;margin:.15rem 0 0;font-size:clamp(2.4rem,6vw,3.4rem);font-weight:800;line-height:1.05}.result-main__value small{letter-spacing:0;color:var(--muted);font-size:.4em;font-weight:600}.result-list{font-family:var(--font-head);grid-template-columns:1fr auto;margin:0;display:grid}.result-list dt,.result-list dd{border-bottom:1px solid var(--rule);margin:0;padding:.55rem 0}.result-list dt{color:var(--text);font-size:.9375rem}.result-list dd{text-align:right;color:var(--ink);font-variant-numeric:tabular-nums;font-weight:700}.split-bar{margin:1.25rem 0 .5rem}.split-bar__track{background:var(--rule);border-radius:2px;height:14px;display:flex;overflow:hidden}.split-bar__a{background:var(--ink)}.split-bar__b{background:#8fb7a0}.split-bar__legend{font-family:var(--font-head);color:var(--muted);flex-wrap:wrap;gap:.25rem 1.25rem;margin-top:.5rem;font-size:.8125rem;display:flex}.split-bar__legend i{vertical-align:-.05rem;border-radius:1px;width:.7rem;height:.7rem;margin-right:.35rem;display:inline-block}.calc-message{font-family:var(--font-head);background:var(--tint);color:var(--text);border-radius:4px;margin:1rem 0 0;padding:.75rem .9rem;font-size:.9375rem;line-height:1.45}.calc-message[data-tone=alert]{color:var(--alert);background:#fbecea}.calc-message:empty{display:none}.schedule{margin-top:1.5rem}.schedule summary{cursor:pointer;font-family:var(--font-head);color:var(--ink);font-size:.9375rem;font-weight:650}.compare-grid{grid-template-columns:1fr 1fr;gap:0;display:grid}.compare-grid>div{padding:clamp(1rem,2.5vw,1.5rem)}.compare-grid>div+div{border-left:1px solid var(--rule)}.compare-grid h2{font-family:var(--font-head);color:var(--ink);margin:0 0 .9rem;font-size:1.125rem;font-weight:800}@media (width<=640px){.compare-grid{grid-template-columns:1fr}.compare-grid>div+div{border-left:0;border-top:1px solid var(--rule)}}.verdict{font-family:var(--font-head);color:var(--ink);text-wrap:balance;margin:0 0 1.25rem;font-size:clamp(1.25rem,2.4vw,1.6rem);font-weight:750;line-height:1.25}.tool-body{padding-bottom:3rem}.plain{max-width:var(--measure);padding-bottom:4rem}.search-page{--pagefind-ui-scale:1;--pagefind-ui-primary:var(--ink);--pagefind-ui-text:var(--text);--pagefind-ui-background:var(--paper);--pagefind-ui-border:#b9c4be;--pagefind-ui-tag:var(--tint);--pagefind-ui-border-width:1px;--pagefind-ui-border-radius:4px;--pagefind-ui-font:var(--font-head);max-width:820px;padding-bottom:4rem}.search-page .pagefind-ui__result-title{font-weight:700}.search-page .pagefind-ui__result-excerpt{font-family:var(--font-body);font-size:1.0625rem}.site-footer{background:var(--ink);color:#d7e3dc;font-family:var(--font-head);padding:clamp(2rem,5vw,3.25rem) 0 2rem;font-size:.9375rem}.site-footer a{color:#fff;text-decoration:none}.site-footer a:hover{text-decoration:underline}.site-footer__top{grid-template-columns:minmax(0,1.4fr) repeat(3,minmax(0,1fr));gap:2rem;display:grid}.site-footer .wordmark{color:#fff;font-size:1.7rem}.site-footer .wordmark:hover{text-decoration:none}.site-footer .wordmark__disc{fill:#f3efe4}.site-footer .wordmark__ring{stroke:#c9a467}.site-footer .wordmark__letter{fill:var(--ink)}.site-footer__about p{max-width:26rem;line-height:1.5;font-family:var(--font-body);margin:.75rem 0 0;font-size:1.0625rem}.site-footer h2{color:#9fc0ad;margin:0 0 .6rem;font-size:.875rem;font-weight:700}.site-footer ul{margin:0;padding:0;list-style:none}.site-footer li{margin:.4rem 0}.site-footer__legal{color:#a9c1b3;border-top:1px solid #ffffff29;margin-top:2.5rem;padding-top:1.25rem;font-size:.8125rem;line-height:1.55}.site-footer__legal p{max-width:60rem;margin:.4rem 0 0}@media (width<=860px){.site-footer__top{grid-template-columns:1fr 1fr}.site-footer__about{grid-column:1/-1}}@media (prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}@media print{.masthead,.site-footer,.story-rail,.share,.ad,.related,.toc-inline{display:none!important}.story-layout{display:block}}.data-table tbody th{border-bottom:1px solid var(--rule);color:var(--text);vertical-align:top;padding-top:.55rem;font-weight:600}.search-page mark{color:inherit;background:#d4e8db;padding:0 .1em}.search-page .pagefind-ui__search-clear{font-family:var(--font-head);color:var(--ink);background:var(--paper);border-radius:3px;font-weight:600}.rate-grid{grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:.75rem;margin:1.5rem 0 0;padding:0;list-style:none;display:grid}.rate-tile{border:1px solid var(--rule);background:var(--paper);height:100%;color:inherit;font-family:var(--font-head);border-radius:6px;gap:.2rem;padding:.95rem 1.1rem 1rem;text-decoration:none;transition:border-color .15s,box-shadow .15s;display:grid}a.rate-tile:hover{border-color:var(--ink-soft);box-shadow:0 2px 10px #10301f14}.rate-tile__label{color:var(--muted);font-size:.8125rem;font-weight:600}.rate-tile__value{letter-spacing:-.02em;color:var(--ink);font-size:1.75rem;font-weight:750;line-height:1.15}.rate-tile__delta{color:var(--muted);font-size:.8125rem}.rate-tile__delta--down span{color:var(--ink-soft)}.rate-tile__delta--up span{color:var(--alert)}.rate-tile__meta{color:var(--muted);margin-top:.25rem;font-size:.75rem}.rate-tile--compact{padding:.8rem .95rem}.rate-tile--compact .rate-tile__value{font-size:1.45rem}.rate-charts{grid-template-columns:repeat(2,minmax(0,1fr));gap:2.5rem 3rem;margin:2.75rem 0 0;display:grid}@media (width<=860px){.rate-charts{grid-template-columns:minmax(0,1fr)}}.rate-block{scroll-margin-top:1rem}.rate-block h2{font-family:var(--font-head);color:var(--ink);border-top:2px solid var(--ink);margin:0;padding-top:.75rem;font-size:1.25rem;font-weight:750}.rate-block__note{color:var(--muted);margin:.4rem 0 .75rem;font-size:1rem;line-height:1.5}.rate-block__source{font-family:var(--font-head);color:var(--muted);margin:.5rem 0 0;font-size:.75rem}.rate-chart{margin:0}.rate-chart__plot{position:relative}.rate-chart svg{touch-action:pan-y;width:100%;height:auto;display:block;overflow:visible}.rate-chart text{font-family:var(--font-head);fill:var(--muted);font-variant-numeric:tabular-nums;font-size:11px}.rate-chart__grid line{stroke:#e6ebe8;stroke-width:1px}.rate-chart__year line{stroke:var(--rule);stroke-width:1px}.rate-chart__line{fill:none;stroke:var(--ink-soft);stroke-width:2px;stroke-linejoin:round;stroke-linecap:round}.rate-chart__end,.rate-chart__cursor circle{fill:var(--ink-soft);stroke:var(--paper);stroke-width:2px}.rate-chart text.rate-chart__endlabel{fill:var(--ink);font-size:12px;font-weight:700}.rate-chart__cursor line{stroke:var(--muted);stroke-width:1px}.rate-chart__hit{fill:#0000;cursor:crosshair}.rate-chart__tip{background:var(--ink);color:#fff;font-family:var(--font-head);text-align:center;white-space:nowrap;pointer-events:none;border-radius:4px;padding:.35rem .6rem;font-size:.8125rem;line-height:1.3;display:grid;position:absolute;top:-.25rem;transform:translate(-50%,-100%)}.rate-chart__tip span{opacity:.8;font-size:.75rem}.rate-chart__table{font-family:var(--font-head);margin-top:.4rem;font-size:.8125rem}.rate-chart__table summary{cursor:pointer;color:var(--ink-soft)}.rate-chart__table table{max-width:320px;margin-top:.5rem}.rate-about{max-width:var(--measure);border-top:1px solid var(--rule);margin:3rem 0 3.5rem;padding-top:1.25rem}.rate-about h2{font-family:var(--font-head);color:var(--ink);margin:0 0 .5rem;font-size:1.125rem}.rate-about p{margin:0 0 .9rem;line-height:1.6}.rate-grid--rail{grid-template-columns:repeat(2,minmax(0,1fr));gap:.5rem;margin:.75rem 0 .6rem}.rate-grid--rail .rate-tile{padding:.7rem .8rem}.rate-grid--rail .rate-tile__value{white-space:nowrap;font-size:1.15rem}.rate-grid--rail .rate-tile__delta{font-size:.75rem}.rate-chart__tip[hidden],.rate-chart__cursor[hidden]{display:none}@media (width<=560px){.rate-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:.5rem}.rate-tile{padding:.75rem .8rem}.rate-tile__value{font-size:1.3rem}.rate-tile__delta,.rate-tile__meta{font-size:.6875rem}}.listen{max-width:34rem;font-family:var(--font-head);align-items:center;gap:.4rem;margin-top:1rem;display:flex}.listen[hidden]{display:none}.listen__play{background:var(--ink);color:#fff;font:inherit;cursor:pointer;border:0;border-radius:999px;flex:none;align-items:center;gap:.45rem;padding:.45rem .95rem .45rem .7rem;font-size:.875rem;font-weight:650;transition:background .15s;display:inline-flex}.listen__play:hover{background:var(--ink-soft)}.listen__icon{fill:currentColor;width:18px;height:18px}.listen__icon--pause,.listen.is-playing .listen__icon--play{display:none}.listen.is-playing .listen__icon--pause{display:block}.listen__time{opacity:.75;font-weight:400}.listen__time:before{content:"·";margin-right:.45rem}.listen__seek{cursor:pointer;-webkit-appearance:none;appearance:none;--fill:0%;background:0 0;flex:1;min-width:3rem;height:20px;margin:0}.listen__seek::-webkit-slider-runnable-track{background:linear-gradient(to right, var(--ink-soft) var(--fill), var(--tint) var(--fill));border-radius:2px;height:4px}.listen__seek::-moz-range-track{background:var(--tint);border-radius:2px;height:4px}.listen__seek::-moz-range-progress{background:var(--ink-soft);border-radius:2px;height:4px}.listen__seek::-webkit-slider-thumb{-webkit-appearance:none;border:2px solid var(--paper);background:var(--ink-soft);width:14px;height:14px;box-shadow:0 0 0 1px var(--ink-soft);border-radius:50%;margin-top:-5px}.listen__seek::-moz-range-thumb{border:2px solid var(--paper);background:var(--ink-soft);border-radius:50%;width:12px;height:12px}.listen__seek:focus-visible{outline:2px solid var(--focus);outline-offset:2px;border-radius:4px}.listen__skip{width:30px;height:30px;color:var(--ink);cursor:pointer;background:0 0;border:0;border-radius:50%;flex:none;place-items:center;padding:0;display:grid}.listen__skip svg{fill:currentColor;width:16px;height:16px}.listen__skip:hover:not(:disabled){background:var(--tint)}.listen__skip:disabled{opacity:.3;cursor:default}.listen-active .story-main .prose :is(p,h2,h3,li,blockquote),.listen-active .story-main .short-version li,.listen-active .story-head :is(h1,.dek){cursor:pointer}.listen-active .story-main .prose p:hover:not(.is-speaking){background:#f3f8f5;border-radius:2px;box-shadow:-.4em 0 #f3f8f5,.4em 0 #f3f8f5}.listen__speed select{font:inherit;color:var(--text);border:1px solid var(--rule);background:var(--paper);cursor:pointer;border-radius:6px;padding:.3rem .4rem;font-size:.8125rem}.listen__stop{border:1px solid var(--rule);background:var(--paper);width:32px;height:32px;color:var(--ink);cursor:pointer;border-radius:50%;flex:none;place-items:center;display:grid}.listen__stop[hidden]{display:none}.listen__stop svg{fill:currentColor;width:14px;height:14px}.listen__stop:hover{border-color:var(--ink)}.is-speaking{background:linear-gradient(#0000 0,#e3efe7 0);border-radius:2px;transition:background .2s;box-shadow:-.4em 0 #e3efe7,.4em 0 #e3efe7}@media print{.listen{display:none!important}}:is(h1,h2,h3).is-speaking{box-shadow:none;text-underline-offset:.12em;background:0 0;text-decoration:underline .12em #9fcdb1}@media (width<=520px){.listen{flex-wrap:wrap;row-gap:.5rem}.listen:after{content:"";flex-basis:100%;order:9;height:0}.listen__seek{order:10}.listen__speed{order:11}.listen__stop{order:12}}[data-cat=loans]{--cat:#1d5a3c;--cat-tint:#e8f1ec}[data-cat=credit]{--cat:#2c5378;--cat-tint:#e7eef5}[data-cat=debt]{--cat:#9a3f2c;--cat-tint:#f6ebe7}[data-cat=budgeting]{--cat:#82600f;--cat-tint:#f5efe1}[data-cat=economy]{--cat:#4a4f8a;--cat-tint:#ecedf6}.kicker[data-cat]{color:var(--cat)}.kicker--small{margin-bottom:.15rem;font-size:.75rem}.cover-fallback{aspect-ratio:16/10;background:linear-gradient(90deg, transparent 2.4rem, color-mix(in srgb, var(--cat) 35%, transparent) 2.4rem, color-mix(in srgb, var(--cat) 35%, transparent) calc(2.4rem + 1px), transparent calc(2.4rem + 1px)), repeating-linear-gradient(180deg, transparent 0 21px, color-mix(in srgb, var(--cat) 16%, transparent) 21px 22px), var(--cat-tint,var(--tint));align-items:flex-end;width:100%;display:flex;position:relative}.cover-fallback__label{font-family:var(--font-head);letter-spacing:-.02em;color:var(--cat);margin:0 0 1rem 3.2rem;font-size:clamp(1.25rem,3vw,2rem);font-weight:800}.cover-fallback--sm{aspect-ratio:3/2;background:repeating-linear-gradient(180deg, transparent 0 9px, color-mix(in srgb, var(--cat) 18%, transparent) 9px 10px), var(--cat-tint,var(--tint))}.home-rail{align-content:start;gap:2rem;display:grid}.latest li>div{min-width:0}.home-rates{border-top:3px solid var(--ink);padding-top:.7rem}.home-rates__head{justify-content:space-between;align-items:baseline;gap:1rem;display:flex}.home-rates__head h2{font-family:var(--font-head);color:var(--ink);margin:0;font-size:1.25rem;font-weight:800}.home-rates__head a{font-family:var(--font-head);font-size:.875rem;font-weight:600}.lead__image .cover-fallback{aspect-ratio:3/2}.home-sections{padding-top:clamp(1rem,3vw,2rem)}.cat-block{margin-bottom:clamp(2.25rem,5vw,3.25rem)}.cat-block .section-head{border-top-color:var(--cat,var(--ink))}.cat-block .section-head h2 a{color:var(--ink)}.cat-block .section-head__more{color:var(--cat)}.cat-block--full .cat-block__body{grid-template-columns:minmax(0,1.15fr) minmax(0,1fr);align-items:start;gap:1.75rem 2.25rem;display:grid}.cat-block--flip .cat-block__lead{order:2}.cat-block__lead .story-item__image{margin-bottom:.85rem}.cat-block__lead .headline{font-size:1.5rem;font-weight:800;line-height:1.12}.cat-block__lead .dek{font-size:1.0625rem;line-height:1.5}.cat-block__list{margin:0;padding:0;list-style:none}.cat-block__list li{border-bottom:1px solid var(--rule);grid-template-columns:120px minmax(0,1fr);align-items:start;gap:1rem;padding:.95rem 0;display:grid}.cat-block__list li:first-child{padding-top:0}.cat-block__list li:last-child{border-bottom:0}.cat-block__thumb{background:var(--tint);display:block;overflow:hidden}.cat-block__thumb img{aspect-ratio:3/2;object-fit:cover;width:100%;transition:transform .22s;display:block}.cat-block__list li:hover .cat-block__thumb img{transform:scale(1.03)}.cat-block__list .headline{font-size:1.0625rem;font-weight:700;line-height:1.25}.cat-block__list .meta{margin-top:.35rem}.cat-row{grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:0 2.25rem;display:grid}.cat-block--compact .cat-block__lead .headline{font-size:1.25rem}.cat-block--compact .cat-block__lead .dek{-webkit-line-clamp:3;-webkit-box-orient:vertical;font-size:1rem;display:-webkit-box;overflow:hidden}.cat-block--compact .cat-block__list{border-top:1px solid var(--rule);margin-top:1rem;padding-top:.95rem}.cat-block--compact .cat-block__list li{grid-template-columns:88px minmax(0,1fr)}.cat-block--compact .cat-block__list .headline{font-size:1rem}@media (width<=860px){.cat-block--full .cat-block__body{grid-template-columns:minmax(0,1fr)}.cat-block--flip .cat-block__lead{order:0}}@media (width<=480px){.cat-block__list li{grid-template-columns:96px minmax(0,1fr);gap:.8rem}}.cat-block__dek{color:var(--muted);-webkit-line-clamp:2;-webkit-box-orient:vertical;margin:.3rem 0 0;font-size:.9375rem;line-height:1.45;display:-webkit-box;overflow:hidden}.cat-block--full .cat-block__list li{grid-template-columns:140px minmax(0,1fr)}.cat-block .section-head h2{white-space:nowrap}@media (width<=480px){.cat-block--full .cat-block__list li{grid-template-columns:96px minmax(0,1fr)}.cat-block__dek{display:none}}.correction{border-left:3px solid var(--alert);font-family:var(--font-head);background:#fbf2f0;margin:2rem 0 0;padding:.85rem 1rem;font-size:.9375rem;line-height:1.5}
