.learning .site-header nav{gap:25px}.learning-hero{display:grid;grid-template-columns:1.3fr .85fr;gap:75px;padding-top:78px;padding-bottom:80px;align-items:center}.learning h1{max-width:820px}.learning .intro{color:var(--muted);font-size:18px;max-width:580px;line-height:1.8;margin:25px 0 30px}.featured-tool{border:1px solid #706243;background:linear-gradient(140deg,#252b21,#151b16);padding:37px 38px;position:relative}.featured-tool:before{content:'';position:absolute;top:0;right:0;width:62px;height:4px;background:var(--gold)}.tool-mark{color:var(--gold);font-size:10px;letter-spacing:2px}.featured-tool h2{font-size:43px;line-height:1.16;margin:30px 0 24px}.featured-tool em{color:var(--gold-light)}.featured-tool p{font-size:14px;color:var(--muted);max-width:300px}.featured-tool small{display:block;font-size:11px;color:var(--muted);margin-top:22px}.read-link{color:var(--gold-light);font-size:12px;font-weight:600;display:flex;justify-content:space-between;gap:15px;align-items:center;padding-top:19px;margin-top:auto}.read-link:hover{text-decoration:underline;text-underline-offset:5px}.reading-section{background:#edeae2;color:#253021;padding:75px 0 85px}.learning-heading{display:flex;justify-content:space-between;align-items:end;gap:60px;margin-bottom:42px}.learning-heading .eyebrow{color:#74603a}.learning-heading p:last-child{max-width:330px;color:#5e6857}.read-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}.read-card{padding:28px;border:1px solid #d0d2c4;background:#f7f5ee;display:flex;flex-direction:column;min-width:0}.card-category{text-transform:uppercase;letter-spacing:1.5px;font-size:9px;color:#736341;margin-bottom:25px}.read-card h3{font-size:27px;line-height:1.18;margin-bottom:19px;letter-spacing:-.45px}.read-card h3 a:hover{text-decoration:underline;text-underline-offset:4px}.read-card>p:not(.card-category){font-size:13px;line-height:1.8;color:#5d6658}.read-card .read-link{color:#425634}.tool-card{background:#dfe3d4}.learning-end{padding-top:65px;padding-bottom:70px;display:flex;align-items:end;justify-content:space-between;gap:40px}.learning-end h2{font-size:36px}.policy-links{display:flex;flex-wrap:wrap;gap:15px 24px;margin:25px 0;font-size:12px}.learning .site-footer p{font-size:12px;max-width:800px}.back-link{display:inline-block;color:var(--muted);font-size:12px;margin-bottom:36px}.back-link:hover{color:var(--gold-light)}.article-header{padding-top:48px;padding-bottom:48px;border-bottom:1px solid var(--line)}.article-header h1{font-size:clamp(35px,4.5vw,60px);max-width:930px;line-height:1.12;letter-spacing:-1.5px}.article-dek{font-size:19px;color:#bac1b3;line-height:1.7;max-width:760px}.article-meta{font-size:11px;color:var(--muted);line-height:1.9;margin-top:24px;margin-bottom:0}.article-layout{display:grid;grid-template-columns:240px minmax(0,740px);gap:72px;padding-top:52px;padding-bottom:60px;align-items:start}.article-toc{position:sticky;top:128px}.article-toc>p{font-size:9px;letter-spacing:1.6px;color:var(--gold)}.article-toc nav{display:flex;flex-direction:column;gap:17px;font-size:12px;line-height:1.6}.article-body{font-size:16px;line-height:1.9;color:#c9d0c2;min-width:0}.article-body h2{font-size:30px;line-height:1.25;letter-spacing:-.4px;color:var(--cream);margin:37px 0 19px}.article-body p{margin-bottom:20px}.article-body ul,.article-body ol{padding-left:25px;margin-bottom:24px}.article-body li{padding-left:4px;margin-bottom:12px}.article-body a{color:var(--gold-light);text-decoration:underline;text-underline-offset:4px;overflow-wrap:anywhere}.article-body .button{color:#13180f;text-decoration:none}.article-body .takeaway{padding:27px 30px;border-left:3px solid var(--gold);background:#20271c;margin-bottom:38px}.takeaway>p:last-child{margin-bottom:0;color:var(--cream);font-size:18px;line-height:1.65}.article-body .source-box{margin:35px 0;padding:1px 25px 17px;background:#171e15;border:1px solid var(--line);font-size:13px}.source-box h2{font-size:23px}.source-box ul{margin-bottom:0}.article-body .article-note{font-size:12px;color:var(--muted)}.article-cta{border-top:1px solid var(--line);margin-top:36px;padding-top:8px}.article-cta p{font-size:14px}.related-reading{padding-bottom:55px}.related-reading .read-grid{grid-template-columns:repeat(2,minmax(0,1fr));margin-top:24px;color:#253021}.policy-page{max-width:940px;padding-top:50px;padding-bottom:70px}.policy-page h1{font-size:clamp(38px,5vw,62px);line-height:1.1}.policy-page .article-body{max-width:760px}.calculator-layout{display:grid;grid-template-columns:1.3fr 1fr;gap:32px;padding-top:45px;padding-bottom:45px;align-items:start}.payout-form{border:1px solid var(--line);padding:30px;background:var(--surface)}.payout-form legend{font-family:var(--serif);font-size:25px;margin-bottom:25px;color:var(--cream)}.payout-form label{display:block;font-size:12px;color:var(--cream)}.payout-form input,.payout-form select{display:block;width:100%;padding:12px;border:1px solid #5c664f;border-radius:3px;color:var(--cream);background:#101810;font:inherit;font-size:17px;margin-top:8px;min-height:48px}.payout-form select{font-size:14px}.payout-form small,.small-note{display:block;font-size:11px;color:var(--muted);line-height:1.7;margin-top:8px}.field-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px 20px;margin:26px 0}.payout-result{background:#e8e5d9;color:#23301e;padding:35px;position:sticky;top:120px}.payout-result .eyebrow{color:#70613e}.payout-result h2{font-size:29px;letter-spacing:-.5px;margin:25px 0 16px}.payout-result>output{display:block;font-family:var(--serif);font-size:clamp(26px,3.5vw,42px);line-height:1.2;margin-bottom:28px;overflow-wrap:anywhere}.difference-line{display:flex;justify-content:space-between;gap:18px;border-top:1px solid #c0c6b4;padding-top:20px;font-size:12px}.difference-line output{font-weight:600;overflow-wrap:anywhere}#payout-status{font-size:13px;line-height:1.7;padding:17px;background:#d8e0ca;margin:20px 0}#payout-status[data-state=review]{background:#e6d5ad}.payout-result .small-note{color:#5a6652}.payout-result .primary{width:100%;justify-content:center}.tool-explainer{max-width:870px;padding-bottom:60px}.learning .small-note{margin-bottom:18px}
@media(max-width:1000px){.learning-hero{gap:35px}.learning-hero h1{font-size:50px}.read-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.article-layout{grid-template-columns:190px minmax(0,1fr);gap:36px}.learning .site-header .wordmark{font-size:22px;letter-spacing:3px}.learning .site-header nav{display:flex}}
@media(max-width:700px){.learning .shell{width:calc(100% - 36px)}.learning .site-header{height:auto;min-height:91px}.learning .header-inner{flex-wrap:wrap;padding:15px 0;gap:15px}.learning .site-header nav{order:3;width:100%;justify-content:space-between;gap:12px;font-size:12px}.learning .guide-badge{font-size:10px}.learning .wordmark small{font-size:5px}.learning-hero{display:block;padding-top:40px;padding-bottom:42px}.learning-hero h1{font-size:44px;letter-spacing:-1.7px}.learning .intro{font-size:16px}.learning .hero-meta{font-size:10px;display:block;line-height:1.8}.featured-tool{margin-top:36px;padding:27px}.featured-tool h2{font-size:37px}.learning-heading{display:block;margin-bottom:30px}.learning-heading h2{font-size:34px}.learning-heading>p{margin-top:22px}.reading-section{padding:45px 0}.read-grid,.related-reading .read-grid{grid-template-columns:1fr}.read-card{padding:25px}.read-card h3{font-size:27px}.learning-end{display:block;padding-top:45px;padding-bottom:45px}.learning-end h2{font-size:31px;margin-bottom:25px}.article-header{padding-top:32px;padding-bottom:30px}.article-header h1{font-size:38px;letter-spacing:-1px}.article-dek{font-size:17px}.article-layout{display:block;padding-top:30px;padding-bottom:36px}.article-toc{position:static;border:1px solid var(--line);padding:21px;margin-bottom:32px}.article-toc nav{gap:10px}.article-body{font-size:16px}.article-body h2{font-size:28px}.article-body .takeaway{padding:22px}.calculator-layout{display:block;padding-top:28px}.payout-form{padding:22px}.field-grid{gap:20px 14px}.payout-result{position:static;margin-top:24px;padding:26px}.payout-result>output{font-size:38px}.tool-explainer{padding-bottom:45px}.learning .footer-top{gap:15px}.learning .site-footer p{font-size:11px}.policy-links{font-size:11px;gap:14px 20px}.policy-page{padding-top:30px}}
@media(max-width:380px){.field-grid{grid-template-columns:1fr}.learning .guide-badge{padding:5px}.learning .wordmark{font-size:21px}.learning .header-inner{gap:9px}}
@media print{.learning .article-toc,.learning .related-reading,.learning .article-cta,.learning .back-link,.learning .payout-form button,.learning #download-payout{display:none}.learning .article-layout{display:block}.learning .article-body,.learning .article-dek,.learning .article-meta,.learning .article-body h2{color:#111}.learning .takeaway,.learning .source-box{background:#eee!important;color:#111!important}.learning .shell{width:100%}}

/* Practical learning paths and browser-local owner records. */
.reader-paths{padding-top:48px;padding-bottom:48px}.reader-paths h2{font-size:clamp(28px,3vw,38px);margin-bottom:26px}.path-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}.path-grid>a{display:flex;flex-direction:column;gap:12px;padding:25px;border:1px solid var(--line);background:var(--surface);text-decoration:none}.path-grid>a:hover{border-color:var(--gold)}.path-grid strong{font-family:var(--serif);font-size:24px;line-height:1.3;color:var(--cream)}.path-grid span{font-size:13px;line-height:1.7;color:var(--muted)}.tools-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.guide-search{margin-bottom:25px;max-width:540px}.guide-search label{display:block;font-weight:600;font-size:13px;margin-bottom:9px}.guide-search input{width:100%;padding:14px;background:#fffdf6;color:#253021;border:1px solid #758266;font:inherit;font-size:16px}.guide-search p{font-size:12px;margin-top:10px}#guide-cards [hidden]{display:none!important}.article-meta a{color:var(--gold-light)}.table-scroll{overflow-x:auto;max-width:100%;margin:22px 0;border:1px solid var(--line)}.article-body table{border-collapse:collapse;width:100%;font-size:14px;line-height:1.65}.article-body caption{padding:14px;text-align:left;font-size:12px;color:var(--muted)}.article-body th,.article-body td{padding:15px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top;min-width:110px}.article-body th{color:var(--cream);background:#20271c}.article-body td strong{color:var(--cream)}.owner-worksheet{padding:25px;border:1px solid #786d4b;background:#182015;margin:28px 0}.owner-worksheet>h2{margin-top:16px}.owner-worksheet>p{font-size:14px}.worksheet-actions{display:flex;flex-wrap:wrap;gap:12px;margin:24px 0}.owner-worksheet .button{white-space:normal;line-height:1.5}.owner-worksheet .secondary{color:var(--cream)}.owner-row{padding:22px;margin:24px 0;border:1px solid var(--line);display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;min-width:0}.owner-row legend{font-family:var(--serif);font-size:23px;padding:0 8px}.owner-row label{display:block;font-size:12px;min-width:0}.owner-row input,.owner-row select{display:block;width:100%;min-width:0;min-height:46px;margin-top:6px;padding:10px;background:#0e160d;color:var(--cream);border:1px solid #65745b;font:inherit;font-size:16px;box-sizing:border-box}.owner-row label:has([data-field=description]),.owner-row label:has([data-field=reference]){grid-column:1/-1}.worksheet-remove{grid-column:1/-1;justify-self:start;background:transparent;color:var(--gold-light);text-decoration:underline;border:0;padding:8px 0;font:inherit;font-size:13px;cursor:pointer}.worksheet-stats{display:flex;gap:24px;border-top:1px solid var(--line);padding-top:20px}.worksheet-stats p{font-size:12px}.worksheet-stats strong{display:block;color:var(--cream);font-size:25px}.worksheet-totals>div{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:15px;padding:12px 0;border-bottom:1px solid var(--line);font-size:13px}.worksheet-totals dd{margin:0;color:var(--cream);font-weight:bold}.owner-worksheet #owner-status{padding:16px;background:#28331f;font-size:13px;line-height:1.7}.owner-worksheet #owner-status[data-state=review]{background:#382e19;color:#ead8aa}.owner-worksheet button:disabled{opacity:.55;cursor:not-allowed}.owner-worksheet .small-note{font-size:11px;margin-top:18px}.learning input:focus-visible,.learning select:focus-visible,.learning button:focus-visible,.learning a:focus-visible{outline:2px solid var(--gold);outline-offset:4px}
@media(max-width:700px){.path-grid,.tools-grid{grid-template-columns:1fr}.reader-paths{padding-top:34px;padding-bottom:34px}.owner-worksheet{padding:17px}.owner-row{padding:16px;grid-template-columns:1fr}.owner-row label{grid-column:1/-1}.worksheet-totals>div{grid-template-columns:1fr;gap:4px}.worksheet-actions .button{width:100%;justify-content:center}.article-body th,.article-body td{padding:12px;min-width:115px}}