.subscription-report[data-astro-cid-ag2fluve]{--ink:#192945;--muted:#52617b;--line:#dce2ed;--color-text:#192945;--color-text-muted:#52617b;--color-link:#2855c7;color:var(--ink);background:#fff}.story[data-astro-cid-ag2fluve],.breadcrumbs[data-astro-cid-ag2fluve]{max-width:1040px;margin:auto;padding:0 28px}.breadcrumbs[data-astro-cid-ag2fluve]{padding-top:20px}.story[data-astro-cid-ag2fluve]{padding-bottom:60px}.heading[data-astro-cid-ag2fluve]{max-width:890px;margin:38px 0}.eyebrow[data-astro-cid-ag2fluve],.kicker[data-astro-cid-ag2fluve]{letter-spacing:.08em;font-size:12px;font-weight:750;line-height:1.7}.eyebrow[data-astro-cid-ag2fluve]{color:#536780;text-transform:uppercase}.eyebrow[data-astro-cid-ag2fluve] a[data-astro-cid-ag2fluve]{color:inherit}.heading[data-astro-cid-ag2fluve] h1[data-astro-cid-ag2fluve]{letter-spacing:-.04em;color:var(--ink);margin:19px 0;font-size:clamp(40px,5.2vw,64px);line-height:1.08}h1[data-astro-cid-ag2fluve] em[data-astro-cid-ag2fluve]{color:#c43e59;font-style:normal}.dek[data-astro-cid-ag2fluve]{max-width:790px;font-size:20px;line-height:1.7}.byline[data-astro-cid-ag2fluve]{color:var(--muted);font-size:13px;line-height:1.8}.byline[data-astro-cid-ag2fluve] a[data-astro-cid-ag2fluve]{color:inherit}.hero-visual[data-astro-cid-ag2fluve]{background:#ffede7;border:1px solid #eed0c8;border-radius:12px;grid-template-columns:1fr 1fr;margin:34px 0 24px;display:grid;overflow:hidden}.hero-copy[data-astro-cid-ag2fluve]{padding:36px}.kicker[data-astro-cid-ag2fluve]{color:#7e3453}.big-number[data-astro-cid-ag2fluve]{letter-spacing:-.06em;color:#b32d4a;margin:18px 0 10px;font-size:112px;line-height:1.1;display:block}.big-number[data-astro-cid-ag2fluve] span[data-astro-cid-ag2fluve]{font-size:60px}.hero-copy[data-astro-cid-ag2fluve]>p[data-astro-cid-ag2fluve]{max-width:350px;margin:12px 0 20px;font-size:21px;line-height:1.55}.poll-label[data-astro-cid-ag2fluve]{color:#804758;font-size:12px}.hero-art[data-astro-cid-ag2fluve]{background:#f3eeff;flex-direction:column;justify-content:center;padding:35px;display:flex}.waffle[data-astro-cid-ag2fluve]{grid-template-columns:repeat(10,1fr);gap:6px;display:grid}.waffle[data-astro-cid-ag2fluve] span[data-astro-cid-ag2fluve]{aspect-ratio:1;border-radius:4px;justify-content:center;align-items:center;display:flex}.waffle[data-astro-cid-ag2fluve] .unused[data-astro-cid-ag2fluve]{background:#c53e5c}.waffle[data-astro-cid-ag2fluve] .other[data-astro-cid-ag2fluve]{background:#dfd7ee}.waffle[data-astro-cid-ag2fluve] svg[data-astro-cid-ag2fluve]{fill:none;stroke:#fff;stroke-width:1px;width:85%}.waffle[data-astro-cid-ag2fluve] path[data-astro-cid-ag2fluve]{fill:#fff;stroke:none}.waffle[data-astro-cid-ag2fluve] .other[data-astro-cid-ag2fluve] svg[data-astro-cid-ag2fluve]{stroke:#746487}.waffle[data-astro-cid-ag2fluve] .other[data-astro-cid-ag2fluve] path[data-astro-cid-ag2fluve]{fill:#746487}.legend[data-astro-cid-ag2fluve]{color:#59496d;flex-direction:column;gap:7px;margin-top:17px;font-size:11px;display:flex}.legend[data-astro-cid-ag2fluve] span[data-astro-cid-ag2fluve]{align-items:center;gap:8px;display:flex}.legend[data-astro-cid-ag2fluve] i[data-astro-cid-ag2fluve]{background:#c53e5c;border-radius:2px;width:11px;height:11px}.legend[data-astro-cid-ag2fluve] span[data-astro-cid-ag2fluve]+span[data-astro-cid-ag2fluve] i[data-astro-cid-ag2fluve]{background:#dfd7ee}.hero-art[data-astro-cid-ag2fluve]>p[data-astro-cid-ag2fluve]{color:#665a78;margin-bottom:0;font-size:10px}.hero-visual[data-astro-cid-ag2fluve] figcaption[data-astro-cid-ag2fluve]{color:var(--muted);background:#fff9f5;border-top:1px solid #eed0c8;grid-column:1/-1;padding:16px 26px;font-size:11px;line-height:1.8}.story[data-astro-cid-ag2fluve] a[data-astro-cid-ag2fluve]{color:#2551b4;text-underline-offset:3px}.chapter-nav[data-astro-cid-ag2fluve]{border:1px solid var(--line);border-radius:7px;grid-template-columns:repeat(3,1fr);margin:26px 0 40px;display:grid}.chapter-nav[data-astro-cid-ag2fluve] a[data-astro-cid-ag2fluve]{color:var(--ink);padding:18px;font-size:14px;font-weight:650;text-decoration:none}.chapter-nav[data-astro-cid-ag2fluve] a[data-astro-cid-ag2fluve]+a[data-astro-cid-ag2fluve]{border-left:1px solid var(--line)}.chapter-nav[data-astro-cid-ag2fluve] small[data-astro-cid-ag2fluve]{color:var(--muted);letter-spacing:.05em;margin-bottom:7px;font-size:10px;display:block}.prose[data-astro-cid-ag2fluve]{font-size:17px;line-height:1.9}.prose[data-astro-cid-ag2fluve]>p[data-astro-cid-ag2fluve],.prose[data-astro-cid-ag2fluve] section[data-astro-cid-ag2fluve]>p[data-astro-cid-ag2fluve]{max-width:790px}.prose[data-astro-cid-ag2fluve] section[data-astro-cid-ag2fluve]{margin:64px 0;scroll-margin-top:30px}.prose[data-astro-cid-ag2fluve] h2[data-astro-cid-ag2fluve]{letter-spacing:-.025em;margin:12px 0 22px;font-size:35px;line-height:1.25}.prose[data-astro-cid-ag2fluve] h3[data-astro-cid-ag2fluve]{line-height:1.4}.coral[data-astro-cid-ag2fluve]{color:#b93452}.blue[data-astro-cid-ag2fluve]{color:#2855bb}.purple[data-astro-cid-ag2fluve]{color:#7550ab}.stat-pair[data-astro-cid-ag2fluve]{grid-template-columns:1fr 1fr;gap:20px;margin:28px 0 15px;display:grid}.stat-pair[data-astro-cid-ag2fluve] figure[data-astro-cid-ag2fluve]{background:#f0f5ff;border:1px solid #cad8f8;border-radius:9px;flex-direction:column;margin:0;padding:28px;display:flex}.stat-pair[data-astro-cid-ag2fluve] figure[data-astro-cid-ag2fluve]+figure[data-astro-cid-ag2fluve]{background:#fff7db;border-color:#e9d796}.stat-label[data-astro-cid-ag2fluve]{letter-spacing:.065em;font-size:11px;font-weight:750}.stat-pair[data-astro-cid-ag2fluve] strong[data-astro-cid-ag2fluve]{letter-spacing:-.05em;color:#2d56bd;margin:16px 0;font-size:68px;line-height:1.2}.stat-pair[data-astro-cid-ag2fluve] figure[data-astro-cid-ag2fluve]+figure[data-astro-cid-ag2fluve] strong[data-astro-cid-ag2fluve]{color:#936218}.stat-pair[data-astro-cid-ag2fluve] h3[data-astro-cid-ag2fluve]{margin:0 0 8px;font-size:23px}.stat-pair[data-astro-cid-ag2fluve] p[data-astro-cid-ag2fluve]{margin:0 0 20px;font-size:14px;line-height:1.7}.segmented[data-astro-cid-ag2fluve],.simple-bar[data-astro-cid-ag2fluve]{border-radius:5px;height:22px;margin:10px 0 13px;display:flex;overflow:hidden}.simple-bar[data-astro-cid-ag2fluve]{background:#eadfbc}.simple-bar[data-astro-cid-ag2fluve] i[data-astro-cid-ag2fluve]{background:#ac761e;width:66%}.split-key[data-astro-cid-ag2fluve]{flex-wrap:wrap;gap:11px;margin-bottom:18px;font-size:11px;line-height:1.5;display:flex}.stat-pair[data-astro-cid-ag2fluve] figcaption[data-astro-cid-ag2fluve]{color:var(--muted);border-top:1px solid #cfd8e7;margin-top:auto;padding-top:16px;font-size:11px;line-height:1.7}.stat-pair[data-astro-cid-ag2fluve] .denominator[data-astro-cid-ag2fluve]{margin:0 0 18px;font-size:13px}.prose[data-astro-cid-ag2fluve] .source-note[data-astro-cid-ag2fluve],.calculation-note[data-astro-cid-ag2fluve]{color:var(--muted);font-size:13px;line-height:1.8}.calculator[data-astro-cid-ag2fluve]{background:#f4f7ff;border:1px solid #c7d6f3;border-radius:12px;margin:30px 0 15px;overflow:hidden}.calc-head[data-astro-cid-ag2fluve]{background:#e8efff;justify-content:space-between;align-items:center;gap:20px;padding:27px 28px;display:flex}.calc-head[data-astro-cid-ag2fluve] .kicker[data-astro-cid-ag2fluve]{color:#3d5592;font-size:10px}.calc-head[data-astro-cid-ag2fluve] h3[data-astro-cid-ag2fluve]{margin:7px 0;font-size:23px}.calc-actions[data-astro-cid-ag2fluve]{flex-wrap:wrap;gap:9px;display:flex}.calc-actions[data-astro-cid-ag2fluve] button[data-astro-cid-ag2fluve]{color:#234592;min-height:42px;font:inherit;cursor:pointer;white-space:nowrap;background:#fff;border:1px solid #adc0e6;border-radius:5px;padding:8px 13px;font-size:12px}.calc-actions[data-astro-cid-ag2fluve] button[data-astro-cid-ag2fluve]:first-child{color:#fff;background:#2f57be}.calc-body[data-astro-cid-ag2fluve]{grid-template-columns:1.45fr 1fr;gap:24px;padding:26px;display:grid}.cost-rows[data-astro-cid-ag2fluve]{gap:14px;display:grid}.cost-row[data-astro-cid-ag2fluve]{background:#fff;border:1px solid #ccd7ec;border-radius:6px;grid-template-columns:1fr 1fr;gap:12px 14px;min-width:0;margin:0;padding:16px;display:grid}.cost-row[data-astro-cid-ag2fluve] legend[data-astro-cid-ag2fluve]{color:#4b5e7e;padding:0 7px;font-size:11px;font-weight:750}.cost-row[data-astro-cid-ag2fluve] label[data-astro-cid-ag2fluve]{min-width:0;font-size:12px;font-weight:650;line-height:1.5}.cost-row[data-astro-cid-ag2fluve] input[data-astro-cid-ag2fluve][type=text],.cost-row[data-astro-cid-ag2fluve] select[data-astro-cid-ag2fluve]{color:#192945;width:100%;min-width:0;min-height:44px;font:inherit;background:#fff;border:1px solid #9aaac7;border-radius:4px;margin-top:6px;padding:10px 9px;font-size:16px;display:block}.cost-row[data-astro-cid-ag2fluve] .review-check[data-astro-cid-ag2fluve]{grid-column:1/-1;align-items:center;gap:9px;min-height:26px;font-weight:500;display:flex}.review-check[data-astro-cid-ag2fluve] input[data-astro-cid-ag2fluve]{accent-color:#ae3559;width:18px;height:18px}.cost-row[data-astro-cid-ag2fluve] .field-error[data-astro-cid-ag2fluve]{color:#a22239;grid-column:1/-1;margin:0;font-size:12px;line-height:1.6}.cost-row[data-astro-cid-ag2fluve] input[data-astro-cid-ag2fluve][aria-invalid=true]{border:2px solid #b72747}.receipt[data-astro-cid-ag2fluve]{background:#fff;border:1px solid #d3daea;border-radius:7px;align-self:start;padding:26px;box-shadow:0 5px 15px #22305b09}.receipt[data-astro-cid-ag2fluve]>.kicker[data-astro-cid-ag2fluve]{color:#5d6480;font-size:10px}.receipt-output[data-astro-cid-ag2fluve]>span[data-astro-cid-ag2fluve]{margin-top:22px;font-size:13px;display:block}.receipt-output[data-astro-cid-ag2fluve]>strong[data-astro-cid-ag2fluve]{letter-spacing:-.04em;overflow-wrap:anywhere;color:#2448a2;font-size:42px;line-height:1.35;display:block}.receipt-output[data-astro-cid-ag2fluve]>p[data-astro-cid-ag2fluve]{color:var(--muted);margin:4px 0 0;font-size:12px;line-height:1.7}.receipt-line[data-astro-cid-ag2fluve]{background:repeating-linear-gradient(90deg,#c6cddd 0 5px,#0000 5px 10px);height:1px;margin:25px 0}.receipt-output[data-astro-cid-ag2fluve]>.review-total[data-astro-cid-ag2fluve]{color:#b33253;font-size:32px}.receipt[data-astro-cid-ag2fluve] .receipt-note[data-astro-cid-ag2fluve]{color:#647087;margin:25px 0 0;font-size:11px;line-height:1.8}.privacy-note[data-astro-cid-ag2fluve]{color:#4e607e;padding:0 26px 18px;font-size:12px;line-height:1.8}.no-script[data-astro-cid-ag2fluve]{padding:20px;font-size:14px}.worked-example[data-astro-cid-ag2fluve]{background:#edf9f2;border:1px solid #c8e4d4;border-radius:9px;margin:34px 0;padding:27px 34px}.worked-example[data-astro-cid-ag2fluve]>span[data-astro-cid-ag2fluve]{letter-spacing:.07em;color:#38644a;font-size:10px;font-weight:750}.worked-example[data-astro-cid-ag2fluve]>div[data-astro-cid-ag2fluve]{align-items:center;gap:30px;margin:18px 0;display:flex}.worked-example[data-astro-cid-ag2fluve] strong[data-astro-cid-ag2fluve]{color:#1c704d;letter-spacing:-.04em;font-size:49px;line-height:1.2}.worked-example[data-astro-cid-ag2fluve] small[data-astro-cid-ag2fluve]{letter-spacing:0;margin-left:4px;font-size:14px;font-weight:500}.multiply[data-astro-cid-ag2fluve]{color:#527a62;font-size:18px}.worked-example[data-astro-cid-ag2fluve] p[data-astro-cid-ag2fluve]{color:#40624f;max-width:680px;margin:0;font-size:13px;line-height:1.8}.decision-path[data-astro-cid-ag2fluve]{grid-template-columns:repeat(3,1fr);gap:18px;margin:28px 0;padding:0;list-style:none;display:grid}.decision-path[data-astro-cid-ag2fluve] li[data-astro-cid-ag2fluve]{background:#f5f0ff;border:1px solid #d9cff0;border-radius:9px;padding:22px}.decision-path[data-astro-cid-ag2fluve] li[data-astro-cid-ag2fluve]:nth-child(2){background:#fff5df;border-color:#ecd6a9}.decision-path[data-astro-cid-ag2fluve] li[data-astro-cid-ag2fluve]:nth-child(3){background:#fff0ed;border-color:#efcfc5}.decision-path[data-astro-cid-ag2fluve] li[data-astro-cid-ag2fluve]>span[data-astro-cid-ag2fluve]{color:#fff;background:#7154b1;border-radius:50%;place-items:center;width:34px;height:34px;font-size:13px;font-weight:700;display:inline-grid}.decision-path[data-astro-cid-ag2fluve] li[data-astro-cid-ag2fluve]:nth-child(2)>span[data-astro-cid-ag2fluve]{background:#9b6b13}.decision-path[data-astro-cid-ag2fluve] li[data-astro-cid-ag2fluve]:nth-child(3)>span[data-astro-cid-ag2fluve]{background:#b33a52}.decision-path[data-astro-cid-ag2fluve] h3[data-astro-cid-ag2fluve]{margin:17px 0 10px;font-size:20px}.decision-path[data-astro-cid-ag2fluve] p[data-astro-cid-ag2fluve]{margin:0 0 15px;font-size:13px;line-height:1.8}.decision-path[data-astro-cid-ag2fluve] b[data-astro-cid-ag2fluve]{font-size:11px;line-height:1.6;display:block}.methodology[data-astro-cid-ag2fluve]{border-top:1px solid var(--line);padding-top:35px}.methodology[data-astro-cid-ag2fluve]>p[data-astro-cid-ag2fluve]{font-size:14px;line-height:1.9}.download[data-astro-cid-ag2fluve]{color:#fff;background:#1d2b4a;border-radius:8px;margin:30px 0;padding:26px}.download[data-astro-cid-ag2fluve] h3[data-astro-cid-ag2fluve]{margin:0;font-size:24px}.download[data-astro-cid-ag2fluve] p[data-astro-cid-ag2fluve]{color:#d7e1f4;font-size:14px}.download[data-astro-cid-ag2fluve] a[data-astro-cid-ag2fluve]{color:#263450;background:#f7cb77;border-radius:4px;margin:8px 10px 0 0;padding:12px 18px;font-size:13px;font-weight:650;text-decoration:none;display:inline-block}.author[data-astro-cid-ag2fluve]{border-top:1px solid var(--line);padding-top:25px;font-size:14px}.author[data-astro-cid-ag2fluve] p[data-astro-cid-ag2fluve]{color:var(--muted);max-width:760px;font-size:13px}.story[data-astro-cid-ag2fluve] [data-astro-cid-ag2fluve]:is(a,button,input,select):focus-visible{outline-offset:4px;outline:3px solid #9e51c7}button[data-astro-cid-ag2fluve]:disabled{opacity:.65;cursor:default}@media (width<=700px){.story[data-astro-cid-ag2fluve],.breadcrumbs[data-astro-cid-ag2fluve]{padding-inline:18px}.heading[data-astro-cid-ag2fluve]{margin:26px 0}.heading[data-astro-cid-ag2fluve] h1[data-astro-cid-ag2fluve]{font-size:41px}.dek[data-astro-cid-ag2fluve]{font-size:17px}.byline[data-astro-cid-ag2fluve]{font-size:11px}.hero-visual[data-astro-cid-ag2fluve]{grid-template-columns:1fr}.hero-copy[data-astro-cid-ag2fluve]{padding:25px}.big-number[data-astro-cid-ag2fluve]{margin:10px 0;font-size:86px}.big-number[data-astro-cid-ag2fluve] span[data-astro-cid-ag2fluve]{font-size:43px}.hero-copy[data-astro-cid-ag2fluve]>p[data-astro-cid-ag2fluve]{max-width:none;font-size:19px}.hero-art[data-astro-cid-ag2fluve]{padding:26px}.waffle[data-astro-cid-ag2fluve]{align-self:center;gap:5px;width:100%;max-width:365px}.hero-visual[data-astro-cid-ag2fluve] figcaption[data-astro-cid-ag2fluve]{padding:16px 20px;font-size:11px}.chapter-nav[data-astro-cid-ag2fluve]{grid-template-columns:1fr}.chapter-nav[data-astro-cid-ag2fluve] a[data-astro-cid-ag2fluve]{padding:14px 17px}.chapter-nav[data-astro-cid-ag2fluve] a[data-astro-cid-ag2fluve]+a[data-astro-cid-ag2fluve]{border-left:0;border-top:1px solid var(--line)}.chapter-nav[data-astro-cid-ag2fluve] small[data-astro-cid-ag2fluve]{width:120px;margin:0;font-size:9px;display:inline-block}.chapter-nav[data-astro-cid-ag2fluve] a[data-astro-cid-ag2fluve]{font-size:12px}.prose[data-astro-cid-ag2fluve]{font-size:16px;line-height:1.85}.prose[data-astro-cid-ag2fluve] h2[data-astro-cid-ag2fluve]{font-size:29px}.prose[data-astro-cid-ag2fluve] section[data-astro-cid-ag2fluve]{margin:44px 0}.stat-pair[data-astro-cid-ag2fluve]{grid-template-columns:1fr;gap:15px}.stat-pair[data-astro-cid-ag2fluve] figure[data-astro-cid-ag2fluve]{padding:24px}.stat-pair[data-astro-cid-ag2fluve] strong[data-astro-cid-ag2fluve]{font-size:60px}.calc-head[data-astro-cid-ag2fluve]{padding:22px;display:block}.calc-head[data-astro-cid-ag2fluve] h3[data-astro-cid-ag2fluve]{font-size:23px}.calc-actions[data-astro-cid-ag2fluve]{margin-top:17px}.calc-body[data-astro-cid-ag2fluve]{grid-template-columns:1fr;gap:20px;padding:18px}.cost-row[data-astro-cid-ag2fluve]{padding:14px}.receipt[data-astro-cid-ag2fluve]{padding:24px}.privacy-note[data-astro-cid-ag2fluve]{padding-inline:20px}.worked-example[data-astro-cid-ag2fluve]{padding:24px}.worked-example[data-astro-cid-ag2fluve]>div[data-astro-cid-ag2fluve]{flex-wrap:wrap;gap:17px}.worked-example[data-astro-cid-ag2fluve] strong[data-astro-cid-ag2fluve]{font-size:36px}.worked-example[data-astro-cid-ag2fluve] small[data-astro-cid-ag2fluve]{font-size:11px}.multiply[data-astro-cid-ag2fluve]{font-size:14px}.decision-path[data-astro-cid-ag2fluve]{grid-template-columns:1fr;gap:13px}.decision-path[data-astro-cid-ag2fluve] li[data-astro-cid-ag2fluve]{gap:16px;padding:22px;display:flex}.decision-path[data-astro-cid-ag2fluve] li[data-astro-cid-ag2fluve]>span[data-astro-cid-ag2fluve]{flex-shrink:0}.decision-path[data-astro-cid-ag2fluve] h3[data-astro-cid-ag2fluve]{margin:3px 0 10px}.decision-path[data-astro-cid-ag2fluve] p[data-astro-cid-ag2fluve]{font-size:14px}.decision-path[data-astro-cid-ag2fluve] b[data-astro-cid-ag2fluve]{font-size:12px}.download[data-astro-cid-ag2fluve]{padding:24px}.download[data-astro-cid-ag2fluve] a[data-astro-cid-ag2fluve]{margin-right:0;font-size:12px;display:block}.methodology[data-astro-cid-ag2fluve]>p[data-astro-cid-ag2fluve]{font-size:13px}}@media (width<=360px){.cost-row[data-astro-cid-ag2fluve]{grid-template-columns:1fr}.heading[data-astro-cid-ag2fluve] h1[data-astro-cid-ag2fluve]{font-size:36px}.chapter-nav[data-astro-cid-ag2fluve] small[data-astro-cid-ag2fluve]{margin-bottom:5px;display:block}.worked-example[data-astro-cid-ag2fluve]>div[data-astro-cid-ag2fluve]{gap:11px}.worked-example[data-astro-cid-ag2fluve] strong[data-astro-cid-ag2fluve]{font-size:29px}.worked-example[data-astro-cid-ag2fluve] small[data-astro-cid-ag2fluve]{font-size:10px}.worked-example[data-astro-cid-ag2fluve],.hero-art[data-astro-cid-ag2fluve]{padding:20px}.decision-path[data-astro-cid-ag2fluve] li[data-astro-cid-ag2fluve]{gap:12px;padding:18px}}