
    @import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700&family=Lora:ital,wght@0,500;0,600;1,500&display=swap');
    :root{color-scheme:light dark;--bg:#f6f4ef;--paper:#fffdf8;--ink:#18211d;--muted:#5c665f;--line:#d8d7ce;--green:#184f3b;--green2:#26765a;--sand:#eadbbd;--rust:#ad4e2e;--ad:#eeece4;--shadow:0 16px 50px rgba(28,35,29,.10);--serif:'Lora',Georgia,serif;--sans:'DM Sans',system-ui,sans-serif}
    @media(prefers-color-scheme:dark){:root{--bg:#101411;--paper:#171d19;--ink:#edf1eb;--muted:#afb8b1;--line:#333d36;--green:#77c79c;--green2:#9bd5b4;--sand:#4a3c28;--rust:#f19a77;--ad:#202721;--shadow:0 16px 50px rgba(0,0,0,.28)}}
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    .card-placeholder,.article-hero-fallback{display:grid;place-items:center;background:var(--sand);color:var(--green)}.card-placeholder{aspect-ratio:16/10;margin-bottom:16px}.card-placeholder span,.article-hero-fallback span{font:600 clamp(50px,8vw,104px)/1 var(--serif);opacity:.78}.category-home{background:color-mix(in srgb,var(--rust) 16%,var(--paper));color:var(--rust)}.category-life{background:color-mix(in srgb,var(--green) 15%,var(--paper));color:var(--green)}.article-hero-fallback{height:min(52vw,520px);width:100%}.article-hero[hidden],.article-hero-fallback[hidden]{display:none}
    .calculator-page{padding:34px 0 70px}.calculator-back,.article-back{display:inline-flex;align-items:center;min-height:44px;margin-bottom:22px;color:var(--green);font-size:13px;font-weight:800;text-decoration:none}.calculator-intro{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(270px,.8fr);gap:38px;align-items:end;border-bottom:3px solid var(--ink);padding-bottom:30px}.calculator-intro h1{font:600 clamp(40px,6vw,66px)/1.02 var(--serif);letter-spacing:-.045em;margin:10px 0 14px}.calculator-intro p{font:500 18px/1.6 var(--serif);color:var(--muted);margin:0}.calculator-intro img{width:100%;height:230px;object-fit:cover}.calculator-shell{display:grid;grid-template-columns:minmax(0,1fr) minmax(260px,.55fr);gap:34px;align-items:start;padding:34px 0}.calculator-form{background:var(--paper);border-top:4px solid var(--green);padding:28px;box-shadow:var(--shadow)}.calculator-form h2{font:600 27px/1.2 var(--serif);margin:0 0 6px}.field-note,.calculator-note{font-size:13px;color:var(--muted);margin:0}.income-field{margin:22px 0 26px}.income-field label,.actual-field label{display:block;font-size:13px;font-weight:800;margin-bottom:7px}.money-input{display:flex;align-items:center;background:var(--bg);border:1px solid var(--line)}.money-input:focus-within{outline:3px solid color-mix(in srgb,var(--green) 24%,transparent);border-color:var(--green)}.money-input span{padding-left:13px;font-weight:800;color:var(--muted)}.money-input input{width:100%;min-height:48px;border:0;background:transparent;color:var(--ink);padding:10px 13px 10px 6px;font:700 18px var(--sans);outline:0}.field-error{min-height:20px;margin:6px 0 0;color:var(--rust);font-size:12px}.budget-results{display:grid;gap:12px}.bucket{display:grid;grid-template-columns:minmax(110px,.7fr) minmax(105px,.6fr) minmax(145px,1fr);gap:14px;align-items:end;border-top:1px solid var(--line);padding-top:15px}.bucket-name strong{display:block;font:600 20px/1.2 var(--serif)}.bucket-name span{font-size:12px;color:var(--muted)}.target-label{display:block;font-size:11px;color:var(--muted);text-transform:uppercase;letter-spacing:.06em}.target-amount{font-weight:800;font-size:19px}.difference{min-height:22px;margin-top:6px;font-size:12px;font-weight:800}.difference.good{color:var(--green2)}.difference.warn{color:var(--rust)}.actual-summary{margin-top:22px;padding-top:18px;border-top:2px solid var(--ink);font-weight:700}.actual-summary.good{color:var(--green2)}.actual-summary.warn{color:var(--rust)}.actual-summary:empty{display:none}.calculator-guide{border-top:3px solid var(--rust);padding-top:18px}.calculator-guide h2{font:600 25px/1.2 var(--serif);margin:0 0 12px}.calculator-guide p{color:var(--muted);font-size:14px}.calculator-guide a,.related a{display:inline-flex;align-items:center;min-height:44px;color:var(--green);font-weight:800}.calc-reset{min-height:44px;margin-top:22px;border:1px solid var(--line);background:transparent;padding:9px 14px;font-weight:700;cursor:pointer}.calc-reset:hover,.calc-reset:focus{border-color:var(--green);color:var(--green)}
    .article-page{padding:26px 0 64px}.article-back{margin-bottom:20px}.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:56px;align-items:start}.article-main{min-width:0}.article-hero{height:min(52vw,520px);width:100%;object-fit:cover}.article-body{max-width:730px;padding:38px 0 0;margin:auto}.article-body h1{font:600 clamp(38px,6vw,62px)/1.06 var(--serif);letter-spacing:-.04em;margin:10px 0 16px}.article-body .intro{font:500 20px/1.6 var(--serif);color:var(--muted)}.article-body h2,.article-body h3{font:600 27px/1.25 var(--serif);margin:38px 0 10px}.article-body p,.article-body li{font-size:16px;line-height:1.78}.article-body li{margin-bottom:10px}.takeaway{background:var(--ad);padding:18px 20px;margin:28px 0;border-left:4px solid var(--green)}.article-ad{width:min(336px,100%);min-height:280px;margin:34px auto}.article-end{width:min(336px,100%);min-height:280px;margin:42px auto 36px}.article-aside{position:sticky;top:22px}.sidebar-ad{width:300px;min-height:250px}.footer-ad-wrap{padding:22px 0;background:var(--bg)}.footer-ad{width:min(970px,calc(100% - 38px));height:90px;min-height:90px;margin:auto}.article-aside p{font-size:12px;color:var(--muted);margin-top:14px}.related{max-width:730px;margin:44px auto 0;border-top:1px solid var(--line);padding-top:24px}.related h2{font:600 24px var(--serif)}.related a{font-weight:700;color:var(--green)}
    dialog{width:min(720px,calc(100% - 26px));max-height:90vh;padding:0;border:0;background:var(--paper);color:var(--ink);box-shadow:var(--shadow)}dialog::backdrop{background:rgba(8,12,9,.72)}.dialog-shell{position:relative}.close{position:sticky;float:right;top:12px;z-index:3;margin:12px 12px 0 0;width:44px;height:44px;border:1px solid var(--line);background:var(--paper);cursor:pointer;font-size:24px}.info-body{padding:48px;max-width:700px}.info-body h2{font:600 38px var(--serif);margin:0 0 18px}.info-body p{color:var(--muted)}
    @media(max-width:900px){.article-layout{grid-template-columns:1fr}.article-aside{position:static;display:grid;place-items:center}.article-aside p{display:none}.calculator-shell{grid-template-columns:1fr}.calculator-guide{max-width:680px}}
    @media(max-width:800px){.article-hero-fallback{height:340px}.utility{display:none}.brandrow{grid-template-columns:1fr auto}.date{display:none}.edition{font-size:10px}.nav{gap:20px}.hero{grid-template-columns:1fr;gap:20px}.hero-media{min-height:340px}.hero h1{font-size:43px}.card,.card.wide,.infeed-ad{grid-column:span 6}.brief{grid-template-columns:1fr}.standards{grid-template-columns:1fr}.footer .wrap{align-items:flex-start;flex-direction:column}.article-hero{height:340px}.calculator-intro{grid-template-columns:1fr}.calculator-intro img{height:260px}}
    @media(max-width:540px){.article-hero-fallback{height:220px}.wrap{width:min(100% - 24px,1180px)}.brand{font-size:25px}.edition{display:none}.brandrow{display:block}.nav{padding:0;flex-wrap:wrap;gap:0;overflow:visible}.nav button,.nav a{flex:1 1 auto}.hero-media{min-height:250px}.hero h1{font-size:38px}.dek{font-size:17px}.card,.card.wide,.infeed-ad{grid-column:1/-1}.section-head span{display:none}.brief{margin-inline:-12px;padding:24px 18px}.article-body{padding-top:26px}.article-body h1{font-size:39px}.article-hero{height:220px}.article-page{padding-top:18px}.info-body{padding:44px 24px}.footlinks{flex-wrap:wrap}.footer-ad{width:calc(100% - 24px)}.sidebar-ad{width:min(300px,100%)}.calculator-page{padding-top:18px}.calculator-intro h1{font-size:39px}.calculator-intro img{height:190px}.calculator-form{margin-inline:-12px;padding:22px 18px;box-shadow:none}.bucket{grid-template-columns:1fr 1fr}.actual-field{grid-column:1/-1}.calculator-shell{gap:26px}}
    @media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
  