.home-cover-visual{flex-direction:column;flex-shrink:0;justify-content:space-between;height:186px;display:flex}.home-cover-tax{color:#6f5f8f;background:#eceaf5}.home-cover-investment{color:#456255;background:#e8eedf}.home-cover-loans{color:#856c48;background:#eee8db}.home-cover-salary{color:#3f6a5e;background:#e3ece9}.home-cover-badge{z-index:2;letter-spacing:-1.5px;font-variant-numeric:tabular-nums;align-self:flex-start;font-size:44px;font-weight:600;line-height:1;position:relative}.home-cover-rings{opacity:.22;border:1px solid;border-radius:50%;width:190px;height:190px;position:absolute;bottom:-70px;right:-50px}.home-cover-rings:before,.home-cover-rings:after{content:"";border:1px solid;border-radius:50%;position:absolute;inset:24px}.home-cover-rings:after{opacity:.35;background:currentColor;inset:50px}@media (max-width:700px){.home-cover-badge{font-size:28px}.home-cover-visual .visual-tag{letter-spacing:.6px;font-size:9px}}.category-filters button.home-filter-new:not(.cc-active){color:var(--green);border-color:#cfdcc8}.home-category-link{color:var(--green);align-items:center;gap:8px;font-weight:600;display:inline-flex}.home-category-link .icon{width:16px;height:16px}.home-category-link:hover{text-decoration:underline}.closing .home-closing-why{opacity:.9;max-width:520px;margin-top:10px;font-size:13px;line-height:1.7}
.calcx-title{margin:6px 0 22px}.calcx-title h1{letter-spacing:-.03em;font-size:34px;font-weight:900;line-height:1.15}.calcx-title p{color:var(--muted);max-width:760px;margin-top:6px;font-size:16px}@media (max-width:700px){.calcx-title{margin-bottom:16px}.calcx-title h1{font-size:27px}.calcx-title p{font-size:14px}}.calcx-field-label{font-size:16px;font-weight:700}.calcx-toggle{flex-wrap:wrap}.calcx-saved{color:var(--muted);flex-wrap:wrap;align-items:center;gap:8px;margin:-4px 0 18px;font-size:13px;display:flex}.calcx-saved-pill{border:1px solid var(--line);background:var(--cream);border-radius:999px;align-items:center;display:inline-flex}.calcx-saved-pill button{color:var(--green);padding:5px 10px;font-size:13px;font-weight:700}.calcx-saved-pill .calcx-saved-remove{color:var(--muted);padding:5px 9px 5px 2px;font-weight:400}.calcx-live{margin-top:18px}.calcx-breakdown{border-top:1px solid var(--line);margin:18px 0 0}.calcx-breakdown>div{border-bottom:1px solid var(--line);justify-content:space-between;gap:16px;padding:11px 0;font-size:15px;display:flex}.calcx-breakdown dt{color:var(--muted)}.calcx-breakdown dd{font-variant-numeric:tabular-nums;text-align:right;margin:0;font-weight:700}.calcx-breakdown .calcx-breakdown-total dt{color:var(--ink);font-weight:700}.calcx-breakdown .calcx-breakdown-total dd{color:var(--green);font-size:17px}.calcx-understand{margin-top:56px}.calcx-understand .section-heading{margin-bottom:22px}.calcx-understand-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;display:grid}.calcx-card{border:1px solid var(--line);border-radius:var(--radius);background:#fff;min-width:0;padding:24px 26px}.calcx-card h3{align-items:center;gap:10px;margin-bottom:12px;font-size:18px;font-weight:800;display:flex}.calcx-card h3 .icon{width:20px;height:20px;color:var(--green)}.calcx-card p{color:#46525a;font-size:15px;line-height:1.7}.calcx-card-accent{background:linear-gradient(135deg,#f1f8f3,#fff 70%);border-color:#cfe3d6}.calcx-formula,.calcx-understand-grid>.calcx-card:nth-last-child(2):nth-child(odd){grid-column:1/-1}.calcx-formula pre{background:var(--cream);font-family:var(--font-mono), ui-monospace, monospace;white-space:pre-wrap;color:var(--ink);border-radius:10px;margin:4px 0 12px;padding:16px 18px;font-size:13.5px;line-height:1.7;overflow-x:auto}.calcx-source{align-items:center;gap:6px;display:flex;color:var(--muted)!important;font-size:13px!important}.calcx-source .icon{width:15px;height:15px;color:var(--green)}@media (max-width:920px){.calcx-understand-grid{grid-template-columns:1fr}}@media (max-width:700px){.calcx-card{padding:20px}.calcx-understand{margin-top:40px}}.calcx-bench{grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;display:grid}.calcx-bench .bench-item-label{letter-spacing:.06em;text-transform:uppercase;color:var(--muted);font-size:11px}.calcx-bench .bench-item-value{margin-top:4px;font-size:18px;font-weight:800}.calcx-bench .bench-item-delta{margin-top:2px;font-size:12px}.calcx-bench .bench-item-delta.positive{color:var(--green)}.calcx-bench .bench-item-delta.negative{color:#b93a3a}@media (max-width:480px){.calcx-bench{grid-template-columns:1fr}}.calcx-next{gap:8px;display:grid}.calcx-next a,.calcx-next button{border:1px solid var(--line);background:var(--cream);text-align:left;border-radius:10px;justify-content:space-between;align-items:center;gap:12px;width:100%;padding:12px 14px;font-size:15px;font-weight:700;transition:border-color .2s,background .2s;display:flex}.calcx-next a:hover,.calcx-next button:hover{border-color:var(--green);color:var(--green);background:#f1f8f3}.calcx-prepay-inputs{grid-template-columns:1fr 1fr;gap:12px;display:grid}.calcx-prepay-inputs label{color:var(--muted);gap:6px;font-size:13px;display:grid}.calcx-prepay-inputs input{border:1px solid var(--line);background:var(--cream);height:46px;color:var(--ink);border-radius:8px;padding:0 12px;font-size:16px;font-weight:700}.calcx-prepay-result{grid-template-columns:1fr 1fr;gap:12px;margin-top:14px;display:grid}.calcx-prepay-result>div{background:#f1f8f3;border-radius:10px;padding:12px 14px}.calcx-prepay-result span{color:var(--muted);font-size:12px;display:block}.calcx-prepay-result strong{color:var(--green);margin-top:2px;font-size:18px;display:block}.calcx-cta-row{grid-template-columns:repeat(auto-fit,minmax(320px,1fr));gap:16px;margin-top:28px;display:grid}.calcx-cta-row>.lead-cta,.calcx-cta-row>.offer-card{border-radius:var(--radius);margin:0;padding:22px 24px}.calcx-cta-row>.lead-cta{color:#f3f7f3;background:#214438;border:1px solid #496359}.calcx-cta-row .lead-cta-icon{color:#24372c;background:#e0c18a;border-radius:10px}.calcx-cta-row .lead-cta-icon .icon{width:20px;height:20px}.calcx-cta-row .lead-cta-title{color:#fff;font-family:var(--font-sans);font-weight:800}.calcx-cta-row .lead-cta-sub{color:#c1d4c9}.calcx-cta-row .lead-cta-badge,.calcx-cta-row .lead-cta .button.primary{color:#24372c;background:#e0c18a}.calcx-cta-row>.offer-card{border:1px solid var(--line);background:#fff}@media (max-width:400px){.calcx-cta-row{grid-template-columns:1fr}}.calcx-faq{margin-top:56px}.calcx-faq .section-heading{margin-bottom:22px}.calcx-faq .faq-item{border-color:var(--line);background:#fff;border-radius:12px}.calcx-faq .faq-question{color:var(--ink);font-size:16px;font-weight:700}.calcx-faq .faq-answer{color:#46525a;font-size:15px}@media (max-width:700px){.calcx-faq{margin-top:40px}}.sip-main .scenario-section,.sip-main .sip-related{margin-top:56px}.sip-main .ad-unit{margin:40px 0 0}.sip-main{padding-bottom:64px}[data-embed="1"] .topline,[data-embed="1"] .cc-header,[data-embed="1"] .cc-footer,[data-embed="1"] .skip-link,[data-embed="1"] .calcx-cta-row,[data-embed="1"] .sip-related,[data-embed="1"] .calcx-faq,[data-embed="1"] .calcx-understand,[data-embed="1"] .calculator-share-strip,[data-embed="1"] .calcx-title p{display:none!important}@media print{.topline,.cc-header,.cc-footer,.skip-link,.breadcrumbs,.investment-tabs,.input-intro .text-button,.sip-result-actions,.calculator-share-strip,.journey-pdf,.table-heading .text-button,.chart-explorer,.scenario-section button,.calcx-cta-row,.calcx-next,.calcx-faq,.sip-related,.ad-unit,.input-help,.calcx-live,.calcx-saved,.mobile-result-bar,.subhsri-fab,.cookie-banner{display:none!important}.sip-workspace,.journey-grid,.calcx-understand-grid{display:block!important}.sip-results,.journey-card,.calcx-card{break-inside:avoid;margin-top:12px;box-shadow:none!important}.table-scroll{max-height:none!important;overflow:visible!important}}.calcx-about{margin-top:56px}.calcx-about .section-heading{margin-bottom:22px}.calcx-about-grid{grid-template-columns:minmax(0,1.25fr) minmax(0,1fr);align-items:start;gap:18px;display:grid}.calcx-about-intro p{color:#3f4b52;font-size:16px;line-height:1.8}.calcx-about-intro p+p{margin-top:14px}.calcx-about-tips{margin-top:22px}.calcx-about-tips h3{margin-bottom:10px;font-size:17px;font-weight:800}.calcx-about-tips ul{color:#46525a;gap:8px;margin:0;padding-left:20px;font-size:15px;line-height:1.65;display:grid}.calcx-example ol{color:#46525a;gap:6px;margin:0 0 14px;padding-left:20px;font-size:15px;line-height:1.6;display:grid}.calcx-example-result{color:var(--green);background:#f1f8f3;border-radius:10px;padding:12px 14px;font-size:16px;font-weight:800;line-height:1.5}@media (max-width:920px){.calcx-about-grid{grid-template-columns:1fr}}@media (max-width:700px){.calcx-about{margin-top:40px}.calcx-about-intro p{font-size:15px}}
.blogx-tone-tax{--blogx-bg:#efecf8;--blogx-ink:#6c5a93;--blogx-ring:#d9d1ee}.blogx-tone-investment{--blogx-bg:#e8f0e4;--blogx-ink:#2f6a52;--blogx-ring:#c9dcc4}.blogx-tone-loans{--blogx-bg:#e9eff7;--blogx-ink:#43688f;--blogx-ring:#cdd9ea}.blogx-tone-salary{--blogx-bg:#f8eee2;--blogx-ink:#94683a;--blogx-ring:#ecd6bb}.blogx-visual,.blogx-hero-panel{background:var(--blogx-bg);color:var(--blogx-ink);position:relative;overflow:hidden}.blogx-visual .visual-tag,.blogx-hero-label{z-index:2;position:relative}.blogx-monogram{z-index:2;letter-spacing:-2px;color:var(--blogx-ink);font-family:Georgia,Times New Roman,serif;font-size:64px;font-style:italic;font-weight:400;line-height:1;position:absolute;bottom:18px;right:24px}.blogx-visual-rings{z-index:1;border:34px solid var(--blogx-ring);opacity:.85;border-radius:50%;width:260px;height:260px;position:absolute;bottom:-150px;left:-70px}.blogx-visual-rings:after{content:"";background:var(--blogx-ring);opacity:.7;border-radius:50%;width:120px;height:120px;position:absolute;top:-60px;left:220px}.blogx-visual{display:block}.guide-card .blogx-visual{flex-shrink:0;height:224px;padding:19px 24px}.blogx-hero-panel{border-radius:12px;height:300px;margin:0 0 45px;padding:30px 34px}.blogx-hero-label{letter-spacing:1.5px;font-size:11px;font-weight:700;display:block}.blogx-hero-panel .blogx-monogram{letter-spacing:-6px;font-size:150px;bottom:26px;right:52px}.blogx-hero-panel .blogx-visual-rings{border-width:54px;width:420px;height:420px;bottom:-260px;left:-110px}.blogx-hero-panel .blogx-visual-rings:after{width:190px;height:190px;top:-110px;left:360px}.blogx-article .article-breadcrumb [aria-current]{text-overflow:ellipsis;white-space:nowrap;max-width:100%;overflow:hidden}.blogx-article .article-hero a{text-underline-offset:2px;text-decoration:underline}.blogx-article .article-hero a:hover{color:var(--green)}.blogx-article .article-hero>img{height:414px}.blogx-actions{position:relative}.blogx-share-menu{z-index:30;border:1px solid var(--line);background:#fff;border-radius:10px;flex-direction:column;min-width:210px;padding:6px;display:flex;position:absolute;top:calc(100% + 8px);right:0;box-shadow:0 12px 34px #172d351a}.blogx-share-menu a,.blogx-share-menu button{min-height:44px;color:var(--ink);text-align:left;border-radius:6px;align-items:center;gap:12px;width:100%;padding:10px 12px;font-size:14px;font-weight:600;display:flex}.blogx-share-menu a:hover,.blogx-share-menu button:hover,.blogx-share-menu a:focus-visible,.blogx-share-menu button:focus-visible{color:var(--green);background:#f1f7f4}.blogx-share-menu .social-icon{fill:none;stroke:currentColor;stroke-width:1.7px;stroke-linecap:round;stroke-linejoin:round;width:18px;height:18px;display:block}.blogx-share-menu [data-social-icon]{color:var(--green);display:inline-flex}.blogx-intro>p{color:#555f67;margin:0 0 20px}.blogx-intro>p.article-lead{color:#3e474e}.blogx-intro{margin-bottom:18px}.blogx-prose>p{color:#555f67;margin:0 0 20px}.blogx-prose>h3{letter-spacing:-.3px;color:var(--ink);margin:30px 0 12px;font-size:22px;font-weight:800;line-height:1.3}.blogx-prose>ul,.blogx-prose>ol,.blogx-intro>ul,.blogx-intro>ol{color:#555f67;margin:0 0 22px;padding-left:0;list-style:none}.blogx-prose>ul>li,.blogx-intro>ul>li{margin-bottom:10px;padding-left:26px;font-size:17px;line-height:1.75;position:relative}.blogx-prose>ul>li:before,.blogx-intro>ul>li:before{content:"";background:#7ea88f;border-radius:50%;width:7px;height:7px;position:absolute;top:.72em;left:4px}.blogx-prose>ol,.blogx-intro>ol{padding-left:24px;list-style:decimal}.blogx-prose>ol>li{margin-bottom:10px;padding-left:4px;font-size:17px;line-height:1.75}.blogx-article .article-body strong{color:var(--ink);font-weight:800}.blogx-prose a,.blogx-intro a{color:var(--green);text-underline-offset:4px;font-weight:700;-webkit-text-decoration:underline #b6cab0;text-decoration:underline #b6cab0;text-decoration-thickness:1px}.blogx-prose a:hover,.blogx-intro a:hover{color:var(--green-dark);-webkit-text-decoration-color:var(--green);text-decoration-color:var(--green)}.blogx-article .article-body code{font-family:var(--font-mono), ui-monospace, monospace;background:#f1f3f4;border-radius:4px;padding:2px 6px;font-size:.86em}.blogx-article .article-body{overflow-wrap:break-word}.blogx-article .article-section h2{color:var(--ink)}.blogx-table-wrap{border:1px solid var(--line);-webkit-overflow-scrolling:touch;background:#fff;border-radius:10px;max-width:100%;margin:26px 0 23px;overflow-x:auto}.blogx-table-wrap table{border-collapse:collapse;width:100%;min-width:480px;font-size:15px}.blogx-table-wrap th,.blogx-table-wrap td{text-align:left;vertical-align:top;border-bottom:1px solid #e7eaec;padding:12px 18px}.blogx-table-wrap thead th{color:var(--muted);background:#f1f3f4;font-size:12px;font-weight:700}.blogx-try{border-top:1px solid var(--line);margin-top:8px;padding-top:34px}.blogx-try .section-heading{margin-bottom:22px}.blogx-try .section-heading .eyebrow{font-size:10px}.blogx-try h2{letter-spacing:-.6px;font-size:29px;font-weight:900}.blogx-related-grid{grid-template-columns:repeat(auto-fill,minmax(210px,1fr));gap:16px}.blogx-related-grid .cc-tool-card{padding:21px}.blogx-related-grid .cc-tool-icon{margin-bottom:16px}.blogx-related-grid .cc-tool-card h3{margin-top:0;font-size:19px}.blogx-related-grid .cc-tool-card p{max-width:none}.blogx-article .contents-heading{position:relative}.blogx-toc-toggle{display:none}.blogx-article .contents-card li a{overflow-wrap:break-word}.blogx-article .contents-card li a>span{flex-shrink:0;min-width:16px}.blogx-article .sidebar-calculator>p strong{color:var(--ink)}.blogx-article .related-reading{padding-bottom:40px}.blogx-guides-grid{grid-template-columns:repeat(3,minmax(0,1fr))}.blogx-guides-grid .guide-body h3{font-size:20px}.blogx-bottom-actions{margin:10px 0 56px}.blogx-bottom-actions a:hover{text-underline-offset:3px;text-decoration:underline}.blogx-article .ad-unit{margin-block:10px 24px}.blogx-index-hero{max-width:860px;padding:34px 0 38px}.blogx-index-hero .eyebrow{font-size:11px}.blogx-index-hero h1{letter-spacing:-1.65px;font-size:54px;font-weight:900;line-height:1.12}.blogx-index-hero h1 em{color:var(--green);letter-spacing:-1px;font-family:Georgia,Times New Roman,serif;font-style:italic;font-weight:400}.blogx-index-hero p{color:var(--muted);max-width:720px;margin-top:18px;font-size:20px;line-height:1.65}.blogx-featured{padding-bottom:54px}.blogx-featured .guide-card .blogx-visual{height:100%;min-height:270px}.blogx-featured .blogx-visual .blogx-monogram{font-size:120px}.blogx-card-date{color:var(--muted);letter-spacing:.4px;font-weight:400}.blogx-all{border-top:1px solid var(--line);padding:50px 0 80px}.blogx-all .section-heading h2{letter-spacing:-.7px;font-size:34px;font-weight:900}.blogx-filters{margin-bottom:28px}.blogx-index-grid{margin:0;padding:0;list-style:none}.blogx-index-grid>li{min-width:0;display:flex}.blogx-index-grid>li>.guide-card{flex:1;min-width:0}.blogx-index-grid>li[hidden],.blogx-featured[hidden]{display:none}@media (max-width:1150px){.blogx-article .article-hero>img{height:370px}.blogx-hero-panel{height:260px}.blogx-index-hero h1{font-size:49px}}@media (max-width:1050px){.blogx-guides-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (max-width:920px){.blogx-article .article-hero>img{height:350px}.blogx-hero-panel{height:220px;margin-bottom:28px}.blogx-hero-panel .blogx-monogram{font-size:110px;right:34px}.blogx-toc-toggle{min-height:44px;color:var(--green);align-items:center;gap:8px;margin-left:auto;padding:0 4px 0 12px;font-size:13px;font-weight:700;display:inline-flex}.blogx-chevron{border-bottom:2px solid;border-right:2px solid;width:8px;height:8px;transition:transform .2s;transform:rotate(45deg)translate(-2px,-2px)}.blogx-toc-toggle[aria-expanded=true] .blogx-chevron{transform:rotate(-135deg)translate(-2px,-2px)}.blogx-article .contents-card[data-collapsed=true] .contents-heading{margin-bottom:0}.blogx-article .contents-card[data-collapsed=true] ol{display:none}.blogx-article .contents-card{padding-block:8px}.blogx-article .contents-card[data-collapsed=false]{padding-bottom:18px}.blogx-index-hero h1{font-size:43px}.blogx-index-hero p{font-size:18px}}@media (max-width:700px){.blogx-guides-grid{grid-template-columns:minmax(0,1fr);gap:20px}.blogx-related-grid{grid-template-columns:minmax(0,1fr);gap:12px}.guide-card .blogx-visual,.blogx-featured .guide-card .blogx-visual{aspect-ratio:1.8;height:auto;min-height:0}.blogx-featured{padding-bottom:38px}.blogx-all{padding:36px 0 56px}.blogx-all .section-heading h2{font-size:29px}}@media (max-width:600px){.blogx-article .article-hero>img{height:auto}.blogx-hero-panel{border-radius:9px;height:180px;padding:22px}.blogx-hero-panel .blogx-monogram{letter-spacing:-3px;font-size:84px;bottom:18px;right:24px}.blogx-hero-panel .blogx-visual-rings{border-width:36px;width:260px;height:260px;bottom:-170px}.blogx-hero-panel .blogx-visual-rings:after{width:110px;height:110px;top:-60px;left:220px}.blogx-prose>ul>li,.blogx-intro>ul>li,.blogx-prose>ol>li{font-size:16px}.blogx-prose>h3{font-size:20px}.blogx-try h2{font-size:26px}.blogx-index-hero{padding:24px 0 28px}.blogx-index-hero h1{letter-spacing:-1px;font-size:36px;line-height:1.15}.blogx-index-hero p{font-size:17px}.blogx-share-menu{right:0}}@media print{.blogx-article .journal-bar,.blogx-article .article-breadcrumb,.blogx-article .article-actions,.blogx-article .article-sidebar,.blogx-article .blogx-hero-panel,.blogx-article .blogx-try,.blogx-article .related-reading,.blogx-article .blogx-bottom-actions,.blogx-article .ad-unit,.blogx-article .toast{display:none!important}body:has(.blogx-article) .topline{display:none!important}body:has(.blogx-article) header{display:none!important}body:has(.blogx-article) footer{display:none!important}body:has(.blogx-article) .cc-header{display:none!important}body:has(.blogx-article) .cc-footer{display:none!important}.blogx-article .article-header{padding-top:0}.blogx-article .article-header h1{letter-spacing:-.5px;font-size:30px}.blogx-article .article-deck{font-size:15px}.blogx-article .article-layout{display:block}.blogx-article .article-body{font-size:12pt;line-height:1.6}.blogx-article .article-hero>img{height:240px}.blogx-article .article-section{break-inside:auto;border-top:0!important}.blogx-article .article-section h2{break-after:avoid;font-size:18pt}.blogx-prose a:after{content:" (" attr(href) ")";color:#555;font-size:.85em;font-weight:400}}.blogx-article .article-section,.blogx-article #article-top{scroll-margin-top:0}.blogx-faq .cc-faq-list{margin-top:14px}.blogx-faq .cc-faq-list summary{font-size:16px}.blogx-faq .cc-faq-list p{font-size:15px}.blogx-endnote{margin-top:36px}.blogx-endnote a{color:var(--green)}.blogx-sources{gap:6px;margin:12px 0 0;padding-left:18px;display:grid}.blogx-sources li{line-height:1.6}