:root{--ledger-ink:#16232e;--ledger-paper:#f2efe4;--ledger-paper-raised:#fbf9f1;--ledger-brass:#b8892f;--ledger-brass-dark:#8f6a22;--ledger-green:#3c6e47;--ledger-green-bg:#e7efe7;--ledger-rust:#a83e32;--ledger-rust-bg:#f4e7e4;--ledger-slate:#5b6b74;--ledger-hair:#d8d2c0;--ledger-shadow:0 12px 32px -18px #16232e59}.ledger{background:var(--ledger-paper);color:var(--ledger-ink);-webkit-font-smoothing:antialiased;min-height:100vh;font-family:Inter,system-ui,sans-serif;line-height:1.5}.ledger h1,.ledger h2,.ledger h3,.ledger .serif{font-family:"Source Serif 4",Georgia,serif;font-weight:600}.ledger .mono{font-family:IBM Plex Mono,ui-monospace,monospace}.ledger a{color:inherit}.ledger .wrap{max-width:1120px;margin:0 auto;padding:0 28px}.ledger nav.ledger-nav{z-index:50;-webkit-backdrop-filter:blur(6px);backdrop-filter:blur(6px);border-bottom:1px solid var(--ledger-hair);background:#f2efe4eb;position:sticky;top:0}.ledger .nav-inner{justify-content:space-between;align-items:center;height:64px;display:flex}.ledger .brand{letter-spacing:.01em;color:var(--ledger-ink);align-items:center;gap:10px;font-family:"Source Serif 4",serif;font-size:1.25rem;font-weight:600;text-decoration:none;display:flex}.ledger .brand .mark{border:1.5px solid var(--ledger-ink);border-radius:50%;justify-content:center;align-items:center;width:26px;height:26px;font-family:IBM Plex Mono,monospace;font-size:.65rem;font-weight:600;display:flex}.ledger .navlinks{align-items:center;gap:24px;font-size:.88rem;display:flex}.ledger .navlinks a{color:var(--ledger-slate);border-bottom:1px solid #0000;padding-bottom:2px;text-decoration:none;transition:color .15s,border-color .15s}.ledger .navlinks a:hover,.ledger .navlinks a.active{color:var(--ledger-ink);border-color:var(--ledger-brass)}.ledger .navcta{background:var(--ledger-ink);color:var(--ledger-paper-raised);letter-spacing:.02em;cursor:pointer;border:none;border-radius:2px;padding:9px 18px;font-size:.82rem;font-weight:600;text-decoration:none}.ledger .navcta.ghost{color:var(--ledger-ink);border:1px solid var(--ledger-ink);background:0 0}@media (width<=760px){.ledger .navlinks{display:none}}.ledger header.hero{border-bottom:1px solid var(--ledger-hair);padding:88px 0 64px}.ledger .eyebrow{letter-spacing:.12em;text-transform:uppercase;color:var(--ledger-brass-dark);align-items:center;gap:10px;margin-bottom:22px;font-family:IBM Plex Mono,monospace;font-size:.72rem;display:flex}.ledger .eyebrow:before{content:"";background:var(--ledger-brass-dark);width:28px;height:1px;display:inline-block}.ledger h1.headline{letter-spacing:-.01em;max-width:820px;margin:0 0 22px;font-size:clamp(2.3rem,4.6vw,3.6rem);font-weight:600;line-height:1.08}.ledger h1.headline em{color:var(--ledger-brass-dark);font-style:italic}.ledger .hero-sub{color:var(--ledger-slate);max-width:600px;margin:0 0 34px;font-size:1.08rem}.ledger .hero-actions{flex-wrap:wrap;align-items:center;gap:16px;margin-bottom:56px;display:flex}.ledger .btn-primary{background:var(--ledger-ink);color:var(--ledger-paper-raised);border:1px solid var(--ledger-ink);cursor:pointer;border-radius:2px;padding:14px 26px;font-family:inherit;font-size:.95rem;font-weight:600;text-decoration:none;transition:background .15s,color .15s}.ledger .btn-primary:hover:not(:disabled){color:var(--ledger-ink);background:0 0}.ledger .btn-primary:disabled{opacity:.6;cursor:not-allowed}.ledger .btn-ghost{color:var(--ledger-ink);border-bottom:1px solid var(--ledger-ink);cursor:pointer;background:0 0;border-top:none;border-left:none;border-right:none;padding-bottom:3px;font-family:inherit;font-size:.9rem;font-weight:600;text-decoration:none}.ledger .btn-secondary{color:var(--ledger-ink);border:1px solid var(--ledger-ink);cursor:pointer;background:0 0;border-radius:2px;padding:10px 20px;font-family:inherit;font-size:.88rem;font-weight:600}.ledger .btn-secondary:hover{background:var(--ledger-ink);color:var(--ledger-paper-raised)}.ledger .hero-stats{border-top:1px solid var(--ledger-hair);grid-template-columns:repeat(3,1fr);gap:0;display:grid}.ledger .hero-stat{border-right:1px solid var(--ledger-hair);padding:22px 22px 0 0}.ledger .hero-stat:last-child{border-right:none}.ledger .hero-stat .num{font-family:IBM Plex Mono,monospace;font-size:1.7rem;font-weight:600;display:block}.ledger .hero-stat .lbl{color:var(--ledger-slate);max-width:220px;margin-top:4px;font-size:.82rem}@media (width<=700px){.ledger .hero-stats{grid-template-columns:1fr}.ledger .hero-stat{border-right:none;border-bottom:1px solid var(--ledger-hair);padding-bottom:18px}}.ledger .section{border-bottom:1px solid var(--ledger-hair);padding:72px 0}.ledger .section-head{flex-wrap:wrap;justify-content:space-between;align-items:flex-end;gap:24px;margin-bottom:36px;display:flex}.ledger .section-num{color:var(--ledger-brass-dark);letter-spacing:.1em;margin-bottom:8px;font-family:IBM Plex Mono,monospace;font-size:.75rem;display:block}.ledger .section h2{letter-spacing:-.01em;margin:0;font-size:1.9rem;font-weight:600}.ledger .section-note{color:var(--ledger-slate);max-width:380px;font-size:.92rem}.ledger .calc-shell{border:1px solid var(--ledger-hair);background:var(--ledger-paper-raised);grid-template-columns:1fr 1fr;gap:0;display:grid}.ledger .calc-col{padding:36px}.ledger .calc-col+.calc-col{border-left:1px solid var(--ledger-hair)}.ledger .col-label{letter-spacing:.1em;text-transform:uppercase;color:var(--ledger-brass-dark);margin-bottom:20px;font-family:IBM Plex Mono,monospace;font-size:.72rem;display:block}.ledger .field{margin-bottom:20px}.ledger .field label{margin-bottom:7px;font-size:.85rem;font-weight:600;display:block}.ledger .field .hint{color:var(--ledger-slate);margin-top:5px;font-size:.76rem}.ledger .field input[type=number],.ledger .field input[type=text],.ledger .field input[type=email],.ledger .field input[type=password],.ledger .field select,.ledger .field textarea{border:1px solid var(--ledger-hair);width:100%;color:var(--ledger-ink);background:#fff;border-radius:2px;padding:11px 12px;font-family:IBM Plex Mono,monospace;font-size:.92rem}.ledger .field textarea{resize:vertical;min-height:120px;font-family:Inter,sans-serif}.ledger .field input:focus,.ledger .field select:focus,.ledger .field textarea:focus{outline:2px solid var(--ledger-brass);outline-offset:1px}.ledger .row2{grid-template-columns:1fr 1fr;gap:14px;display:grid}.ledger .slider-row input[type=range]{width:100%;accent-color:var(--ledger-brass-dark)}.ledger .slider-labels{color:var(--ledger-slate);justify-content:space-between;margin-top:2px;font-size:.72rem;display:flex}.ledger .check-row{align-items:center;gap:8px;margin-bottom:10px;font-size:.85rem;display:flex}.ledger .check-row input{width:16px;height:16px;accent-color:var(--ledger-brass-dark)}.ledger .check-row label{margin:0;font-weight:500}.ledger .school-picker{border:1px solid var(--ledger-hair);background:#fff;border-radius:2px;max-height:230px;overflow-y:auto}.ledger .school-opt{cursor:pointer;border-bottom:1px solid #ece8d9;align-items:center;gap:10px;margin:0;padding:9px 12px;font-size:.85rem;display:flex}.ledger .school-opt:last-child{border-bottom:none}.ledger .school-opt:hover{background:#f8f5ec}.ledger .school-opt input{width:15px;height:15px;accent-color:var(--ledger-brass-dark)}.ledger .school-opt .tag{color:var(--ledger-slate);margin-left:auto;font-family:IBM Plex Mono,monospace;font-size:.68rem}.ledger .calc-footer{border-top:1px solid var(--ledger-hair);flex-wrap:wrap;grid-column:1/-1;justify-content:space-between;align-items:center;gap:14px;padding:24px 36px;display:flex}.ledger .disclaimer-line{color:var(--ledger-slate);max-width:460px;font-size:.75rem}@media (width<=800px){.ledger .calc-shell{grid-template-columns:1fr}.ledger .calc-col+.calc-col{border-left:none;border-top:1px solid var(--ledger-hair)}}.ledger .statement{background:var(--ledger-paper-raised);border:1px solid var(--ledger-hair);box-shadow:var(--ledger-shadow);margin-bottom:28px;position:relative}.ledger .statement:before{content:"";background:repeating-linear-gradient(90deg, var(--ledger-hair) 0 8px, transparent 8px 16px);height:5px;position:absolute;top:-1px;left:0;right:0}.ledger .statement-head{border-bottom:1px dashed var(--ledger-hair);justify-content:space-between;align-items:flex-start;gap:16px;padding:26px 30px;display:flex}.ledger .statement-head h3{margin:0 0 4px;font-size:1.4rem;font-weight:600}.ledger .statement-head .meta{color:var(--ledger-slate);font-family:IBM Plex Mono,monospace;font-size:.75rem}.ledger .verdict-badge{letter-spacing:.08em;text-transform:uppercase;white-space:nowrap;border:1px solid #0000;border-radius:20px;padding:8px 14px;font-family:IBM Plex Mono,monospace;font-size:.7rem;font-weight:600;transform:rotate(2deg)}.ledger .v-reach{background:var(--ledger-rust-bg);color:var(--ledger-rust);border-color:#e2c3bc}.ledger .v-target{color:var(--ledger-brass-dark);background:#f6efe0;border-color:#e6d6ae}.ledger .v-likely{background:var(--ledger-green-bg);color:var(--ledger-green);border-color:#c3d8c7}.ledger .statement-body{grid-template-columns:1fr 1fr;gap:0;display:grid}.ledger .stmt-panel{padding:26px 30px}.ledger .stmt-panel+.stmt-panel{border-left:1px dashed var(--ledger-hair)}.ledger .panel-title{letter-spacing:.1em;text-transform:uppercase;color:var(--ledger-slate);margin-bottom:16px;font-family:IBM Plex Mono,monospace;font-size:.7rem}.ledger .gauge-wrap{align-items:center;gap:18px;display:flex}.ledger .gauge-num{font-family:IBM Plex Mono,monospace;font-size:2.1rem;font-weight:600}.ledger .gauge-note{color:var(--ledger-slate);font-size:.8rem}.ledger .ledger-row{border-bottom:1px dotted var(--ledger-hair);justify-content:space-between;align-items:baseline;padding:7px 0;font-size:.88rem;display:flex}.ledger .ledger-row:last-child{border-bottom:none}.ledger .ledger-row .amt{font-family:IBM Plex Mono,monospace;font-weight:600}.ledger .ledger-row.total{border-top:1px solid var(--ledger-ink);border-bottom:none;margin-top:6px;padding-top:10px;font-weight:700}.ledger .ledger-row.total .amt{font-size:1.05rem}.ledger .neg{color:var(--ledger-green)}.ledger .afford-verdict{border-radius:2px;margin-top:16px;padding:12px 14px;font-size:.84rem;font-weight:600}.ledger .a-comfortable{background:var(--ledger-green-bg);color:var(--ledger-green)}.ledger .a-manageable{color:var(--ledger-brass-dark);background:#f6efe0}.ledger .a-stretch{background:var(--ledger-rust-bg);color:var(--ledger-rust)}.ledger .table-wrap{border:1px solid var(--ledger-hair);background:var(--ledger-paper-raised);overflow-x:auto}.ledger table.compare{border-collapse:collapse;width:100%;min-width:720px;font-size:.85rem}.ledger table.compare th{text-align:left;background:var(--ledger-ink);color:var(--ledger-paper-raised);letter-spacing:.06em;text-transform:uppercase;padding:12px 16px;font-family:IBM Plex Mono,monospace;font-size:.7rem;font-weight:500}.ledger table.compare td{border-bottom:1px solid var(--ledger-hair);padding:12px 16px}.ledger table.compare tr:last-child td{border-bottom:none}.ledger table.compare td.num{font-family:IBM Plex Mono,monospace}.ledger .results-toolbar{flex-wrap:wrap;gap:12px;margin-bottom:24px;display:flex}.ledger footer.ledger-footer{color:var(--ledger-slate);padding:36px 0;font-size:.78rem}.ledger footer.ledger-footer .wrap{flex-wrap:wrap;justify-content:space-between;gap:16px;display:flex}.ledger .foot-disclaimer{max-width:640px}.ledger .card{background:var(--ledger-paper-raised);border:1px solid var(--ledger-hair);border-radius:2px;padding:32px}.ledger .card+.card{margin-top:20px}.ledger .faq-search{border:1px solid var(--ledger-hair);background:#fff;border-radius:2px;width:100%;margin-bottom:24px;padding:14px 16px;font-family:Inter,sans-serif;font-size:.95rem}.ledger .faq-item{border:1px solid var(--ledger-hair);background:var(--ledger-paper-raised);margin-bottom:10px}.ledger .faq-question{cursor:pointer;text-align:left;width:100%;color:inherit;background:0 0;border:none;justify-content:space-between;align-items:center;padding:18px 22px;font-family:inherit;font-size:.98rem;font-weight:600;display:flex}.ledger .faq-question .faq-cat{color:var(--ledger-brass-dark);letter-spacing:.08em;text-transform:uppercase;margin-right:12px;font-family:IBM Plex Mono,monospace;font-size:.68rem}.ledger .faq-question .chev{color:var(--ledger-slate);font-size:1.3rem;line-height:1}.ledger .faq-answer{color:var(--ledger-slate);padding:0 22px 20px;font-size:.92rem;line-height:1.65}.ledger .auth-shell{max-width:440px;margin:60px auto}.ledger .auth-shell .tabs{border-bottom:1px solid var(--ledger-hair);margin-bottom:24px;display:flex}.ledger .auth-shell .tabs button{color:var(--ledger-slate);cursor:pointer;background:0 0;border:none;border-bottom:2px solid #0000;flex:1;padding:12px;font-family:inherit;font-size:.92rem;font-weight:600}.ledger .auth-shell .tabs button.active{color:var(--ledger-ink);border-bottom-color:var(--ledger-brass)}.ledger .divider-or{color:var(--ledger-slate);align-items:center;gap:12px;margin:20px 0;font-size:.78rem;display:flex}.ledger .divider-or:before,.ledger .divider-or:after{content:"";background:var(--ledger-hair);flex:1;height:1px}.ledger .scenario-row{background:var(--ledger-paper-raised);border:1px solid var(--ledger-hair);flex-wrap:wrap;justify-content:space-between;align-items:center;gap:16px;margin-bottom:10px;padding:16px 20px;display:flex}.ledger .scenario-row .meta{color:var(--ledger-slate);font-family:IBM Plex Mono,monospace;font-size:.72rem}.ledger .scenario-actions{gap:8px;display:flex}.ledger .modal-backdrop{z-index:100;background:#16232e80;justify-content:center;align-items:center;padding:20px;display:flex;position:fixed;inset:0}.ledger .modal{background:var(--ledger-paper-raised);border:1px solid var(--ledger-hair);width:100%;max-width:440px;padding:32px}.ledger .modal h3{margin-top:0}.ledger .error-text{color:var(--ledger-rust);margin-top:4px;font-size:.82rem}.ledger .success-text{color:var(--ledger-green);margin-top:12px;font-size:.9rem;font-weight:600}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}