.step.svelte-i98fxl{border-top:1px solid var(--border);padding:44px 0 8px}.step.locked.svelte-i98fxl{opacity:.34;padding:22px 0}.head.svelte-i98fxl{flex-wrap:wrap;align-items:baseline;gap:14px;display:flex}.num.svelte-i98fxl{font-family:var(--font-mono);letter-spacing:.08em;color:var(--accent);font-size:11.5px;font-weight:480}h2.svelte-i98fxl{font-family:var(--font-body);letter-spacing:-.02em;margin:0;font-size:25px;font-weight:600;line-height:1.2}.locked.svelte-i98fxl h2:where(.svelte-i98fxl){font-size:17px;font-weight:500}.answer.svelte-i98fxl{font-family:var(--font-mono);color:var(--muted);margin-left:auto;font-size:12px;font-weight:460}.body.svelte-i98fxl{padding-top:14px}.lede.svelte-i98fxl{max-width:62ch;color:var(--muted);text-wrap:pretty;margin:0 0 22px;font-size:16px;line-height:1.7}@media (width<=640px){h2.svelte-i98fxl{font-size:21px}.answer.svelte-i98fxl{flex-basis:100%;margin-left:0}}.tiles.svelte-15m1cti{grid-template-columns:repeat(auto-fit, minmax(var(--min), 1fr));border:0;gap:10px;margin:0;padding:0;display:grid}.sr-only.svelte-15m1cti{clip-path:inset(50%);white-space:nowrap;width:1px;height:1px;position:absolute;overflow:hidden}.tile.svelte-15m1cti{border:1px solid var(--border);background:var(--surface);cursor:pointer;border-radius:12px;flex-direction:column;gap:3px;padding:15px 38px 15px 16px;transition:border-color .15s,background .15s;display:flex;position:relative}.tile.svelte-15m1cti:hover{border-color:color-mix(in oklch, var(--accent) 55%, var(--border))}.tile.svelte-15m1cti:focus-within{outline:2px solid var(--accent);outline-offset:2px}.tile.on.svelte-15m1cti{border-color:var(--accent);background:color-mix(in oklch, var(--accent) 9%, var(--surface))}input.svelte-15m1cti{opacity:0;pointer-events:none;position:absolute}.label.svelte-15m1cti{font-family:var(--font-body);letter-spacing:-.01em;font-size:14.5px;font-weight:560;line-height:1.35}.sub.svelte-15m1cti{font-family:var(--font-mono);letter-spacing:-.02em;color:var(--accent);font-variant-numeric:tabular-nums;font-size:17px;font-weight:500}.note.svelte-15m1cti{color:var(--faint);text-wrap:pretty;font-size:12px;line-height:1.45}.check.svelte-15m1cti{border:1px solid var(--border);background:var(--bg);border-radius:50%;width:16px;height:16px;position:absolute;top:15px;right:14px}.tile.on.svelte-15m1cti .check:where(.svelte-15m1cti){border-color:var(--accent);background:var(--accent)}.tile.on.svelte-15m1cti .check:where(.svelte-15m1cti):after{border:solid var(--bg);content:"";border-width:0 1.75px 1.75px 0;width:4px;height:7px;position:absolute;top:3px;left:5.5px;transform:rotate(43deg)}.field.svelte-1i5ywn7{flex-direction:column;gap:6px;display:flex}.label.svelte-1i5ywn7{font-family:var(--font-body);letter-spacing:-.005em;font-size:13.5px;font-weight:520}.wrap.svelte-1i5ywn7{display:block;position:relative}input.svelte-1i5ywn7{border:1px solid var(--border);background:var(--bg);width:100%;color:var(--text);font-family:var(--font-mono);font-variant-numeric:tabular-nums;text-align:right;border-radius:9px;padding:9px 12px;font-size:14px;font-weight:480}.money.svelte-1i5ywn7 input:where(.svelte-1i5ywn7){padding-left:26px}.pct.svelte-1i5ywn7 input:where(.svelte-1i5ywn7){padding-right:26px}input.svelte-1i5ywn7:focus{border-color:var(--accent);outline:2px solid color-mix(in oklch, var(--accent) 30%, transparent);outline-offset:0}.unit.svelte-1i5ywn7{font-family:var(--font-mono);color:var(--faint);font-size:13px;position:absolute;top:50%;transform:translateY(-50%)}.unit.left.svelte-1i5ywn7{left:12px}.unit.right.svelte-1i5ywn7{right:12px}.hint.svelte-1i5ywn7{color:var(--faint);text-wrap:pretty;font-size:11.5px;line-height:1.5}.wrap.svelte-enspp6{grid-template-columns:1fr 224px;align-items:start;gap:34px;display:grid}.rail.svelte-enspp6{order:2;position:sticky;top:88px}.rail-inner.svelte-enspp6{border:1px solid var(--border);background:var(--surface);border-radius:14px;flex-direction:column;gap:15px;padding:16px;display:flex}.rail-month.svelte-enspp6{font-family:var(--font-mono);letter-spacing:.05em;color:var(--faint);font-size:11.5px;font-weight:460}.rail-month.svelte-enspp6 strong:where(.svelte-enspp6){color:var(--accent);font-weight:560}.stat.svelte-enspp6{flex-direction:column;gap:2px;display:flex}.k.svelte-enspp6{color:var(--muted);font-size:11.5px}.v.svelte-enspp6{font-family:var(--font-mono);letter-spacing:-.02em;font-variant-numeric:tabular-nums;font-size:20px;font-weight:500}.stat.lead.svelte-enspp6 .v:where(.svelte-enspp6){color:var(--accent)}.v.svelte-enspp6 .muted:where(.svelte-enspp6),.v.muted.svelte-enspp6{color:var(--faint);font-size:15px}.bar.svelte-enspp6{background:color-mix(in oklch, var(--border) 70%, transparent);border-radius:2px;height:3px;margin-top:5px;display:block}.bar.svelte-enspp6 i:where(.svelte-enspp6){background:var(--accent);border-radius:2px;height:100%;transition:width .25s;display:block}.bar.svelte-enspp6 i.alt:where(.svelte-enspp6){background:var(--accent2)}.months.svelte-enspp6{order:1;min-width:0}.cols.svelte-enspp6,.row.svelte-enspp6,.totals.svelte-enspp6{grid-template-columns:34px minmax(0,1fr) 88px 78px 74px;align-items:baseline;gap:10px;display:grid}.cols.svelte-enspp6{z-index:2;border-bottom:1px solid var(--border);background:color-mix(in oklch, var(--bg) 92%, transparent);-webkit-backdrop-filter:blur(6px);backdrop-filter:blur(6px);font-family:var(--font-mono);letter-spacing:.05em;color:var(--faint);text-transform:uppercase;padding:9px 4px;font-size:10.5px;font-weight:460;position:sticky;top:57px}.cols.svelte-enspp6 .r:where(.svelte-enspp6){text-align:right}.row.svelte-enspp6{border-bottom:1px solid color-mix(in oklch, var(--border) 45%, transparent);padding:9px 4px;transition:background .15s}.row.on.svelte-enspp6{background:color-mix(in oklch, var(--accent) 7%, transparent)}.row.idle.svelte-enspp6{opacity:.5}.row.gone.svelte-enspp6 .what:where(.svelte-enspp6){color:var(--faint)}.m.svelte-enspp6{font-family:var(--font-mono);color:var(--faint);font-variant-numeric:tabular-nums;font-size:12px;font-weight:460}.row.on.svelte-enspp6 .m:where(.svelte-enspp6){color:var(--accent)}.what.svelte-enspp6{flex-wrap:wrap;align-items:baseline;gap:4px 10px;font-size:13.5px;line-height:1.5;display:flex}.what.svelte-enspp6 em:where(.svelte-enspp6){color:var(--muted);font-style:normal}.item.svelte-enspp6{align-items:baseline;gap:6px;display:inline-flex}.item.quiet.svelte-enspp6{color:var(--faint)}.item.pastime.svelte-enspp6{color:var(--faint);font-style:italic}.biller.svelte-enspp6{background:color-mix(in oklch, var(--border) 55%, transparent);font-family:var(--font-mono);letter-spacing:.04em;color:var(--muted);text-transform:uppercase;border-radius:4px;padding:1px 5px;font-size:9.5px;font-style:normal}.n.svelte-enspp6{font-family:var(--font-mono);font-variant-numeric:tabular-nums;text-align:right;color:var(--muted);font-size:12.5px;font-weight:460}.n.pay.svelte-enspp6{color:var(--text);font-weight:500}.n.buy.svelte-enspp6{color:var(--accent2)}.n.lead.svelte-enspp6{color:var(--accent);font-size:14px;font-weight:560}.note.svelte-enspp6{color:var(--accent);text-wrap:pretty;grid-column:2/-1;padding-top:4px;font-size:12px;line-height:1.5}.decision.svelte-enspp6{margin:26px 0}.totals.svelte-enspp6{border-top:1px solid var(--border);padding:14px 4px;font-size:13.5px}@media (width<=900px){.wrap.svelte-enspp6{grid-template-columns:1fr;gap:0}.rail.svelte-enspp6{z-index:3;background:var(--bg);order:0;margin-bottom:18px;padding:8px 0;top:57px}.rail-inner.svelte-enspp6{flex-flow:wrap;gap:8px 20px}.rail-month.svelte-enspp6{flex-basis:100%}.stat.svelte-enspp6{flex:1;min-width:90px}.v.svelte-enspp6{font-size:16px}.bar.svelte-enspp6{display:none}.cols.svelte-enspp6,.row.svelte-enspp6,.totals.svelte-enspp6{grid-template-columns:28px minmax(0,1fr) 76px 68px}.cols.svelte-enspp6 span:where(.svelte-enspp6):last-child,.n.buy.svelte-enspp6{display:none}}@media (prefers-reduced-motion:reduce){.bar.svelte-enspp6 i:where(.svelte-enspp6),.row.svelte-enspp6{transition:none}}.scroller.svelte-1escu1s{margin:0 -4px;padding:0 4px 4px;overflow-x:auto}table.svelte-1escu1s{border-collapse:collapse;width:100%;min-width:720px;font-size:13px}th.svelte-1escu1s,td.svelte-1escu1s{text-align:right;vertical-align:baseline;padding:11px 12px}.stub.svelte-1escu1s{z-index:1;background:var(--bg);text-align:left;min-width:190px;font-family:var(--font-body);font-weight:520;position:sticky;left:0}.stub.svelte-1escu1s .hint:where(.svelte-1escu1s){color:var(--faint);text-wrap:pretty;padding-top:2px;font-size:11px;font-weight:400;line-height:1.45;display:block}thead.svelte-1escu1s th:where(.svelte-1escu1s){border-bottom:1px solid var(--border);vertical-align:bottom}thead.svelte-1escu1s th.mine:where(.svelte-1escu1s){background:color-mix(in oklch, var(--accent) 8%, transparent);border-bottom-color:var(--accent)}.name.svelte-1escu1s{font-family:var(--font-body);letter-spacing:-.01em;font-size:13.5px;font-weight:580;display:block}.blurb.svelte-1escu1s{max-width:21ch;color:var(--faint);text-wrap:pretty;margin-left:auto;padding-top:3px;font-size:11px;font-weight:400;line-height:1.45;display:block}tbody.svelte-1escu1s tr:where(.svelte-1escu1s){border-bottom:1px solid color-mix(in oklch, var(--border) 45%, transparent)}tbody.svelte-1escu1s td:where(.svelte-1escu1s){font-family:var(--font-mono);font-variant-numeric:tabular-nums;color:var(--muted);font-size:13px;font-weight:460}tbody.svelte-1escu1s td.mine:where(.svelte-1escu1s){background:color-mix(in oklch, var(--accent) 6%, transparent)}tbody.svelte-1escu1s td.best:where(.svelte-1escu1s){color:var(--accent);font-weight:560}tr.lead.svelte-1escu1s{background:color-mix(in oklch, var(--surface) 70%, transparent)}tr.lead.svelte-1escu1s .stub:where(.svelte-1escu1s){background:color-mix(in oklch, var(--surface) 70%, var(--bg))}tr.lead.svelte-1escu1s td:where(.svelte-1escu1s){color:var(--text);font-size:14.5px}tr.lead.svelte-1escu1s td.best:where(.svelte-1escu1s){color:var(--accent)}article.svelte-1vp9zjy{padding-bottom:96px}.hero.svelte-1vp9zjy{padding:80px 0 44px}.hero.svelte-1vp9zjy .eyebrow:where(.svelte-1vp9zjy){margin-bottom:18px}h1.svelte-1vp9zjy{max-width:16ch;font-family:var(--font-body);letter-spacing:-.03em;margin:0 0 18px;font-size:46px;font-weight:600;line-height:1.05}.lede.svelte-1vp9zjy{max-width:62ch;color:var(--muted);text-wrap:pretty;margin:0;font-size:17px;line-height:1.7}.thesis.svelte-1vp9zjy{border-left:3px solid var(--accent);background:color-mix(in oklch, var(--accent) 8%, var(--surface));border-radius:0 12px 12px 0;max-width:64ch;margin-top:34px;padding:22px 26px}.thesis.svelte-1vp9zjy p:where(.svelte-1vp9zjy){text-wrap:pretty;margin:0 0 12px;font-size:15.5px;line-height:1.7}.thesis.svelte-1vp9zjy p:where(.svelte-1vp9zjy):last-child{margin-bottom:0}.thesis.svelte-1vp9zjy em:where(.svelte-1vp9zjy){color:var(--accent);font-style:normal}.fields.svelte-1vp9zjy{grid-template-columns:repeat(auto-fit,minmax(190px,1fr));gap:16px;padding-top:18px;display:grid}.fields.one.svelte-1vp9zjy{max-width:260px}.aside.svelte-1vp9zjy{border-top:1px solid var(--border);max-width:64ch;margin-top:26px;padding-top:18px}.aside.svelte-1vp9zjy h3:where(.svelte-1vp9zjy){font-family:var(--font-body);letter-spacing:-.01em;margin:0 0 8px;font-size:15px;font-weight:580}.aside.svelte-1vp9zjy h3:where(.svelte-1vp9zjy)~h3:where(.svelte-1vp9zjy){margin-top:18px}.aside.svelte-1vp9zjy p:where(.svelte-1vp9zjy){color:var(--muted);text-wrap:pretty;margin:0 0 11px;font-size:14.5px;line-height:1.7}.aside.svelte-1vp9zjy p:where(.svelte-1vp9zjy):last-child{margin-bottom:0}.aside.svelte-1vp9zjy strong:where(.svelte-1vp9zjy){color:var(--text);font-weight:560}.aside.svelte-1vp9zjy em:where(.svelte-1vp9zjy){font-style:italic}.head.svelte-1vp9zjy{padding:72px 0 26px}.head.svelte-1vp9zjy .eyebrow:where(.svelte-1vp9zjy){margin-bottom:14px;display:block}.head.svelte-1vp9zjy h2:where(.svelte-1vp9zjy){font-family:var(--font-body);letter-spacing:-.025em;margin:0 0 14px;font-size:32px;font-weight:600;line-height:1.12}.timeline-section.svelte-1vp9zjy{border-top:1px solid var(--border)}.decide.svelte-1vp9zjy{border:1px solid var(--accent);background:color-mix(in oklch, var(--accent) 7%, var(--surface));border-radius:14px;padding:24px}.decide-head.svelte-1vp9zjy{padding-bottom:18px}.decide-head.svelte-1vp9zjy h3:where(.svelte-1vp9zjy){font-family:var(--font-body);letter-spacing:-.02em;margin:10px 0 8px;font-size:22px;font-weight:600}.decide-head.svelte-1vp9zjy p:where(.svelte-1vp9zjy){max-width:58ch;color:var(--muted);text-wrap:pretty;margin:0;font-size:14.5px;line-height:1.65}.decide-detail.svelte-1vp9zjy{padding-top:18px}.decide-detail.svelte-1vp9zjy p:where(.svelte-1vp9zjy){max-width:62ch;color:var(--muted);text-wrap:pretty;margin:0;font-size:14.5px;line-height:1.7}.decide-detail.svelte-1vp9zjy strong:where(.svelte-1vp9zjy){color:var(--text);font-weight:580}.decide-foot.svelte-1vp9zjy{border-top:1px solid color-mix(in oklch, var(--accent) 30%, transparent);max-width:62ch;color:var(--faint);text-wrap:pretty;margin:18px 0 0;padding-top:14px;font-size:13px;line-height:1.65}.notes.svelte-1vp9zjy{grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:18px;padding-top:32px;display:grid}.note-card.svelte-1vp9zjy{border:1px solid var(--border);background:var(--surface);border-radius:12px;padding:18px}.note-card.svelte-1vp9zjy h3:where(.svelte-1vp9zjy){font-family:var(--font-body);letter-spacing:-.01em;margin:0 0 8px;font-size:14.5px;font-weight:580}.note-card.svelte-1vp9zjy p:where(.svelte-1vp9zjy){color:var(--muted);text-wrap:pretty;margin:0;font-size:13.5px;line-height:1.65}.catches.svelte-1vp9zjy ol:where(.svelte-1vp9zjy){counter-reset:catch;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:26px 34px;margin:0;padding:0;list-style:none;display:grid}.catches.svelte-1vp9zjy li:where(.svelte-1vp9zjy){counter-increment:catch;border-top:1px solid var(--border);padding-top:14px}.catches.svelte-1vp9zjy li:where(.svelte-1vp9zjy):before{content:counter(catch, decimal-leading-zero);font-family:var(--font-mono);letter-spacing:.06em;color:var(--accent);font-size:11px;font-weight:480}.catches.svelte-1vp9zjy h3:where(.svelte-1vp9zjy){font-family:var(--font-body);letter-spacing:-.01em;margin:6px 0 7px;font-size:16px;font-weight:580}.catches.svelte-1vp9zjy p:where(.svelte-1vp9zjy){color:var(--muted);text-wrap:pretty;margin:0;font-size:14px;line-height:1.68}.assumptions.svelte-1vp9zjy ul:where(.svelte-1vp9zjy){max-width:68ch;margin:0;padding-left:18px}.assumptions.svelte-1vp9zjy li:where(.svelte-1vp9zjy){color:var(--muted);text-wrap:pretty;margin-bottom:12px;font-size:14px;line-height:1.68}.assumptions.svelte-1vp9zjy li:where(.svelte-1vp9zjy)::marker{color:var(--faint)}.disclaimer.svelte-1vp9zjy{border-top:1px solid var(--border);max-width:68ch;color:var(--faint);text-wrap:pretty;margin:26px 0 0;padding-top:16px;font-size:13px;line-height:1.65}@media (width<=640px){.hero.svelte-1vp9zjy{padding-top:56px}h1.svelte-1vp9zjy{font-size:34px}.head.svelte-1vp9zjy{padding-top:52px}.head.svelte-1vp9zjy h2:where(.svelte-1vp9zjy){font-size:25px}.decide.svelte-1vp9zjy{padding:18px}}