.ds.ds-guide .ds-guide-read{width:min(760px,100% - 96px);margin-inline:auto}.ds.ds-guide #calculator,.ds.ds-guide #article,.ds.ds-guide #faq,.ds.ds-guide #sources{scroll-margin-top:96px}.ds.ds-guide .ds-navlink[aria-current=page]{color:var(--ds-ink);font-weight:600}.ds.ds-guide .ds-guide-head{padding:calc(var(--ds-nav-h) + clamp(40px, 5vw, 84px)) 0 0}.ds.ds-guide .ds-guide-crumb{font-family:var(--ds-mono);letter-spacing:.12em;text-transform:uppercase;color:var(--ds-muted);flex-wrap:wrap;align-items:center;gap:0 10px;font-size:.78125rem;font-weight:600;display:flex}.ds.ds-guide .ds-guide-crumb a{color:var(--ds-teal-text);align-items:center;min-height:44px;display:inline-flex}.ds.ds-guide .ds-guide-crumb span{align-items:center;line-height:1.5;display:inline-flex}.ds.ds-guide .ds-guide-head .ds-eyebrow{margin-top:14px;display:block}.ds.ds-guide .ds-guide-h1{letter-spacing:-.042em;text-wrap:balance;margin-top:14px;font-size:clamp(2.625rem,4.6vw,4.25rem);font-weight:650;line-height:1.03}.ds.ds-guide .ds-guide-byline{margin-top:26px}.ds.ds-guide .gd-byline,.ds.ds-guide .gd-revline{font-family:var(--ds-mono);letter-spacing:.02em;color:var(--ds-muted);font-size:.8125rem;line-height:1.6}.ds.ds-guide .gd-byline{color:var(--ds-ink2)}.ds.ds-guide .gd-revline{margin-top:6px}.ds.ds-guide .ds-guide-quick{background:var(--ds-paper2);border-radius:26px;margin-top:clamp(32px,3.4vw,46px);padding:clamp(26px,2.8vw,38px);box-shadow:inset 0 0 0 1px #0c0c0b0d}.ds.ds-guide .ds-guide-quick p{color:var(--ds-ink2);letter-spacing:-.008em;font-size:clamp(1.0625rem,1.25vw,1.1875rem);line-height:1.6}.ds.ds-guide .ds-guide-quick strong{color:var(--ds-ink);font-weight:620}.ds.ds-guide .ds-guide-quick a{color:var(--ds-teal-text);font-weight:550}.ds.ds-guide .ds-guide-body{padding:clamp(20px,2vw,34px) 0 0}.ds.ds-guide .ds-guide-body h2{letter-spacing:-.035em;text-wrap:balance;margin:clamp(48px,4.6vw,76px) 0 18px;font-size:clamp(1.875rem,2.8vw,2.5rem);font-weight:650;line-height:1.1}.ds.ds-guide .ds-guide-body h3{letter-spacing:-.02em;margin:34px 0 10px;font-size:1.1875rem;font-weight:600;line-height:1.3}.ds.ds-guide .ds-guide-body p,.ds.ds-guide .ds-guide-body li{color:var(--ds-ink2);letter-spacing:-.006em;font-size:1.0625rem;line-height:1.68}.ds.ds-guide .ds-guide-body p{margin:0 0 20px}.ds.ds-guide .ds-guide-body strong{color:var(--ds-ink);font-weight:620}.ds.ds-guide .ds-guide-body em{color:var(--ds-teal-text)}.ds.ds-guide .ds-guide-body ol,.ds.ds-guide .ds-guide-body ul{margin:0 0 22px;padding-left:24px}.ds.ds-guide .ds-guide-body li{margin:0 0 12px}.ds.ds-guide .ds-guide-body li::marker{color:var(--ds-muted)}.ds.ds-guide .ds-guide-body a{color:var(--ds-teal-text);text-underline-offset:3px;font-weight:550;-webkit-text-decoration:underline #286a5a59;text-decoration:underline #286a5a59;text-decoration-thickness:1px}@media (hover:hover) and (pointer:fine){.ds.ds-guide .ds-guide-body a:hover{text-decoration-color:currentColor}.ds.ds-guide .ds-guide-quick a:hover{text-underline-offset:3px;text-decoration:underline}}.ds.ds-guide .ds-guide-src{font-family:var(--ds-mono);color:var(--ds-muted);letter-spacing:.002em;margin:0 0 30px;font-size:.8125rem;line-height:1.62}.ds.ds-guide .ds-guide-src a{color:var(--ds-teal-text);text-underline-offset:3px;text-decoration:underline}.ds.ds-guide .ds-guide-tablewrap{-webkit-overflow-scrolling:touch;background:var(--ds-paper2);border-radius:22px;margin:0 0 24px;overflow-x:auto;box-shadow:inset 0 0 0 1px #0c0c0b0d}.ds.ds-guide .ds-guide-table{border-collapse:collapse;width:100%;min-width:520px}.ds.ds-guide .ds-guide-table th,.ds.ds-guide .ds-guide-table td{text-align:left;vertical-align:top;letter-spacing:-.005em;border-bottom:1px solid #0c0c0b12;padding:15px 20px;font-size:.9375rem;line-height:1.5}.ds.ds-guide .ds-guide-table th{font-family:var(--ds-mono);letter-spacing:.1em;text-transform:uppercase;color:var(--ds-teal-text);white-space:nowrap;font-size:.71875rem;font-weight:600}.ds.ds-guide .ds-guide-table td{color:var(--ds-ink2);font-variant-numeric:tabular-nums}.ds.ds-guide .ds-guide-table tbody tr:last-child th,.ds.ds-guide .ds-guide-table tbody tr:last-child td{border-bottom:0}.ds.ds-guide .gd-kt{background:radial-gradient(120% 130% at 50% 0%, #43b19629 0%, #43b1960a 58%, #43b19600 88%), var(--ds-paper);box-shadow:var(--ds-sh-1), 0 0 0 1px #1f564814;border:0;border-radius:26px;margin:clamp(34px,3.4vw,48px) 0;padding:clamp(26px,2.8vw,38px)}.ds.ds-guide .gd-kt h2{font-family:var(--ds-mono);letter-spacing:.16em;text-transform:uppercase;color:var(--ds-teal-text);margin:0 0 18px;font-size:.78125rem;font-weight:600}.ds.ds-guide .gd-kt ul{margin:0;padding-left:22px}.ds.ds-guide .gd-kt li{color:var(--ds-ink2);letter-spacing:-.006em;margin:0 0 14px;font-size:1rem;line-height:1.62}.ds.ds-guide .gd-kt li:last-child{margin-bottom:0}.ds.ds-guide .gd-kt li strong{color:var(--ds-ink);font-weight:620}.ds.ds-guide .gd-kt li::marker{color:var(--ds-teal)}.ds.ds-guide .ds-guide-calc{padding:clamp(28px,3vw,44px) 0 0}.ds.ds-guide .ds-guide-calc__h{letter-spacing:-.032em;font-size:clamp(1.5rem,2.2vw,2rem);font-weight:650;line-height:1.12}.ds.ds-guide .ds-guide-calc__lede{color:var(--ds-muted);letter-spacing:-.008em;margin-top:12px;font-size:1.0625rem;line-height:1.55}.ds.ds-guide .calc-embed{margin:clamp(28px,3vw,40px) 0 0}.ds.ds-guide .calc-grid{gap:clamp(22px,2.4vw,34px);margin:0}.ds.ds-guide .calc-card{background:var(--ds-paper2);border:0;border-radius:26px;padding:clamp(24px,2.6vw,34px);box-shadow:inset 0 0 0 1px #0c0c0b0d}.ds.ds-guide .calc-card h2{font-family:var(--ds-sans);letter-spacing:-.026em;color:var(--ds-ink);margin:0 0 22px;font-size:1.1875rem;font-weight:620;line-height:1.2}.ds.ds-guide .calc-field{margin:0 0 22px}.ds.ds-guide .calc-field label{font-family:var(--ds-sans);letter-spacing:-.005em;text-transform:none;color:var(--ds-ink2);margin:0 0 9px;font-size:.9375rem;font-weight:550;display:block}.ds.ds-guide .calc-input,.ds.ds-guide .calc-select{background:var(--ds-paper);width:100%;min-height:48px;color:var(--ds-ink);font-family:var(--ds-mono);font-variant-numeric:tabular-nums;letter-spacing:-.01em;transition:box-shadow .2s var(--ds-ease);border:0;border-radius:14px;padding:0 18px;font-size:1rem;box-shadow:inset 0 0 0 1.5px #0c0c0b24}.ds.ds-guide .calc-select{font-family:var(--ds-sans);font-variant-numeric:normal;padding-right:40px}.ds.ds-guide .calc-input:focus,.ds.ds-guide .calc-select:focus{outline:0}.ds.ds-guide .calc-input:focus-visible,.ds.ds-guide .calc-select:focus-visible{outline:3px solid var(--ds-teal);outline-offset:2px;border-radius:14px}@media (hover:hover) and (pointer:fine){.ds.ds-guide .calc-input:hover,.ds.ds-guide .calc-select:hover{box-shadow:inset 0 0 0 1.5px #0c0c0b3d}}.ds.ds-guide .calc-hint{color:var(--ds-muted);letter-spacing:-.005em;margin:9px 0 0;font-size:.84375rem;line-height:1.5}.ds.ds-guide .calc-plan-toggle{gap:10px;display:flex}.ds.ds-guide .calc-plan-btn{background:var(--ds-paper);min-height:56px;color:var(--ds-ink2);font-family:var(--ds-sans);letter-spacing:-.008em;text-align:center;cursor:pointer;transition:box-shadow .2s var(--ds-ease), color .2s var(--ds-ease), background-color .2s var(--ds-ease);border:0;border-radius:14px;flex:1;padding:10px 12px;font-size:.9375rem;font-weight:550;box-shadow:inset 0 0 0 1.5px #0c0c0b24}.ds.ds-guide .calc-plan-btn[aria-pressed=true]{background:var(--ds-paper);color:var(--ds-ink);box-shadow:inset 0 0 0 2px var(--ds-teal), 0 2px 4px #1f56481f}.ds.ds-guide .calc-plan-btn .price{font-family:var(--ds-mono);font-variant-numeric:tabular-nums;color:var(--ds-teal-text);margin-top:3px;font-size:.875rem;font-weight:600;display:block}@media (hover:hover) and (pointer:fine){.ds.ds-guide .calc-plan-btn:hover{box-shadow:inset 0 0 0 1.5px #0c0c0b47}.ds.ds-guide .calc-plan-btn[aria-pressed=true]:hover{box-shadow:inset 0 0 0 2px var(--ds-teal)}}.ds.ds-guide .calc-hero-num{background:radial-gradient(120% 118% at 50% 0%, #43b1963d 0%, #43b19613 54%, #43b19600 84%), var(--ds-paper);box-shadow:var(--ds-sh-2), 0 0 0 1px #1f564812;text-align:center;border:0;border-radius:26px;padding:clamp(28px,3vw,40px)}.ds.ds-guide .calc-hero-num .cap{font-family:var(--ds-mono);letter-spacing:.16em;text-transform:uppercase;color:var(--ds-teal-text);font-size:.78125rem;font-weight:600}.ds.ds-guide .calc-hero-num .big{font-family:var(--ds-mono);letter-spacing:-.055em;font-variant-numeric:tabular-nums;color:var(--ds-ink);margin:14px 0 10px;font-size:clamp(3rem,7.6vw,4.75rem);font-weight:620;line-height:.92}.ds.ds-guide .calc-hero-num .sub{max-width:46ch;color:var(--ds-muted);letter-spacing:-.006em;margin-inline:auto;font-size:.9375rem;line-height:1.55}.ds.ds-guide .calc-hero-num.loss{box-shadow:var(--ds-sh-1), 0 0 0 1px #0c0c0b12;background:var(--ds-paper)}.ds.ds-guide .calc-hero-num.loss .cap{color:var(--ds-muted)}.ds.ds-guide .calc-hero-num.loss .big{color:var(--ds-red)}.ds.ds-guide .calc-ledger{gap:16px;margin:20px 0 0}.ds.ds-guide .calc-col{background:var(--ds-paper2);border:0;border-radius:22px;padding:clamp(20px,2.2vw,26px);box-shadow:inset 0 0 0 1px #0c0c0b0d}.ds.ds-guide .calc-col.us{background:linear-gradient(180deg, #43b1961f 0%, #43b1960a 100%), var(--ds-paper);box-shadow:inset 0 0 0 1px #1f56481f}.ds.ds-guide .calc-col h3{font-family:var(--ds-mono);letter-spacing:.14em;text-transform:uppercase;color:var(--ds-muted);margin:0 0 16px;font-size:.71875rem;font-weight:600}.ds.ds-guide .calc-col.us h3{color:var(--ds-teal-text)}.ds.ds-guide .calc-line{color:var(--ds-muted);letter-spacing:-.006em;border-bottom:1px solid #0c0c0b12;align-items:baseline;padding:9px 0;font-size:.9375rem;line-height:1.45}.ds.ds-guide .calc-line .v{font-family:var(--ds-mono);font-variant-numeric:tabular-nums;color:var(--ds-ink);font-weight:600}.ds.ds-guide .calc-line.total{color:var(--ds-ink2);border-top:1px solid #0c0c0b1f;border-bottom:0;margin-top:8px;padding-top:14px;font-size:1rem}.ds.ds-guide .calc-col.us .calc-line.total .v{color:var(--ds-teal-text)}.ds.ds-guide .calc-breakeven{background:var(--ds-paper2);color:var(--ds-ink2);letter-spacing:-.006em;border:0;border-radius:22px;margin:20px 0 0;padding:clamp(18px,2vw,24px);font-size:.9375rem;line-height:1.6;box-shadow:inset 0 0 0 1px #0c0c0b0d}.ds.ds-guide .calc-breakeven strong{color:var(--ds-ink);font-variant-numeric:tabular-nums;font-weight:620}.ds.ds-guide .calc-cta{align-items:center;gap:14px;margin:26px 0 0}.ds.ds-guide .calc-cta a.primary{background:var(--ds-teal);min-height:56px;color:var(--ds-ink);font-family:var(--ds-sans);letter-spacing:-.012em;text-transform:none;transition:transform .2s var(--ds-ease), box-shadow .2s var(--ds-ease);border-radius:999px;justify-content:center;align-items:center;padding:0 30px;font-size:1.0625rem;font-weight:560;display:inline-flex;box-shadow:0 2px 4px #1f564829,0 16px 30px -20px #1f5648b3}.ds.ds-guide .calc-cta a.secondary{min-height:48px;color:var(--ds-teal-text);letter-spacing:-.01em;align-items:center;padding:0 4px;font-size:1rem;font-weight:550;display:inline-flex}@media (hover:hover) and (pointer:fine){.ds.ds-guide .calc-cta a.primary:hover{box-shadow:var(--ds-sh-teal);transform:translateY(-2px)}.ds.ds-guide .calc-cta a.secondary:hover{text-underline-offset:3px;text-decoration:underline}}.ds.ds-guide .calc-cta a.primary:active{transition-duration:.12s;transform:scale(.97)}.ds.ds-guide .calc-fine{max-width:none;color:var(--ds-muted);letter-spacing:-.004em;margin:30px 0 0;font-size:.84375rem;line-height:1.62}.ds.ds-guide .calc-fine strong{color:var(--ds-ink2);font-weight:600}.ds.ds-guide .ds-guide-faq{margin:clamp(48px,4.6vw,76px) 0 0}.ds.ds-guide .ds-guide-faq>h2{letter-spacing:-.035em;margin:0 0 22px;font-size:clamp(1.875rem,2.8vw,2.5rem);font-weight:650;line-height:1.1}.ds.ds-guide .ds-guide-q{border-top:1px solid #0c0c0b1a}.ds.ds-guide .ds-guide-q:last-of-type{border-bottom:1px solid #0c0c0b1a}.ds.ds-guide .ds-guide-q summary{cursor:pointer;justify-content:space-between;align-items:center;gap:20px;min-height:64px;padding:14px 4px;list-style:none;display:flex}.ds.ds-guide .ds-guide-q summary::-webkit-details-marker{display:none}.ds.ds-guide .ds-guide-q summary:focus-visible{outline:3px solid var(--ds-teal);outline-offset:-2px;border-radius:14px}.ds.ds-guide .ds-guide-q__t{letter-spacing:-.022em;color:var(--ds-ink);font-size:1.0625rem;font-weight:560;line-height:1.3}.ds.ds-guide .ds-guide-q__i{color:var(--ds-muted);transition:transform .22s var(--ds-ease), color .22s var(--ds-ease);flex:none;display:inline-flex}.ds.ds-guide .ds-guide-q[open] .ds-guide-q__i{color:var(--ds-teal-text);transform:rotate(45deg)}@media (hover:hover) and (pointer:fine){.ds.ds-guide .ds-guide-q summary:hover .ds-guide-q__i{color:var(--ds-ink)}}.ds.ds-guide .ds-guide-q__w{grid-template-rows:1fr;display:grid}.ds.ds-guide .ds-guide-q__c{min-height:0;padding:0 44px 22px 4px}.ds.ds-guide .ds-guide-q__c p{color:var(--ds-ink2);letter-spacing:-.008em;font-size:1rem;line-height:1.6}.ds.ds-guide .ds-guide-cta{background:radial-gradient(120% 130% at 50% 0%, #43b19633 0%, #43b1960d 60%, #43b19600 88%), var(--ds-paper);box-shadow:var(--ds-sh-2), 0 0 0 1px #1f564812;border-radius:30px;margin:clamp(44px,4.4vw,64px) 0;padding:clamp(30px,3.2vw,46px)}.ds.ds-guide .ds-guide-cta h2{letter-spacing:-.032em;margin:0 0 12px;font-size:clamp(1.5rem,2.2vw,2rem);font-weight:650;line-height:1.12}.ds.ds-guide .ds-guide-cta p{color:var(--ds-muted);letter-spacing:-.008em;margin:0 0 24px;font-size:1.0625rem;line-height:1.55}.ds.ds-guide .ds-guide-sources{margin:clamp(44px,4.4vw,64px) 0 0}.ds.ds-guide .ds-guide-sources h2{font-family:var(--ds-mono);letter-spacing:.16em;text-transform:uppercase;color:var(--ds-teal-text);margin:0 0 14px;font-size:.78125rem;font-weight:600}.ds.ds-guide .ds-guide-sources ul{margin:0;padding-left:22px}.ds.ds-guide .ds-guide-sources li{color:var(--ds-muted);letter-spacing:-.005em;margin:0 0 12px;font-size:.9375rem;line-height:1.6}.ds.ds-guide .ds-guide-sources li::marker{color:var(--ds-muted)}.ds.ds-guide .ds-guide-sources a,.ds.ds-guide .ds-guide-related a{min-height:44px;color:var(--ds-teal-text);text-underline-offset:3px;align-items:center;font-weight:550;-webkit-text-decoration:underline #286a5a59;text-decoration:underline #286a5a59;display:inline-flex}@media (hover:hover) and (pointer:fine){.ds.ds-guide .ds-guide-sources a:hover,.ds.ds-guide .ds-guide-related a:hover{text-decoration-color:currentColor}}.ds.ds-guide .ds-guide-related{color:var(--ds-muted);letter-spacing:-.005em;border-top:1px solid #0c0c0b1a;margin:clamp(36px,3.6vw,52px) 0 0;padding:26px 0 0;font-size:.9375rem;line-height:1.7}.ds.ds-guide .ds-guide-note{color:var(--ds-muted);margin:16px 0 0;font-size:.84375rem;line-height:1.6}.ds.ds-guide .gd-authorbox{background:var(--ds-paper2);border:0;border-radius:26px;margin:clamp(40px,4vw,58px) 0 clamp(64px,6vw,104px);padding:clamp(26px,2.8vw,38px);box-shadow:inset 0 0 0 1px #0c0c0b0d}.ds.ds-guide .gd-authorbox h2{font-family:var(--ds-mono);letter-spacing:.16em;text-transform:uppercase;color:var(--ds-teal-text);margin:0 0 16px;font-size:.78125rem;font-weight:600}.ds.ds-guide .gd-authorbox p{color:var(--ds-muted);letter-spacing:-.005em;margin:0 0 14px;font-size:.9375rem;line-height:1.65}.ds.ds-guide .gd-authorbox p:last-child{margin:0}.ds.ds-guide .gd-authorbox strong{color:var(--ds-ink2);font-weight:620}.ds.ds-guide .gd-authorbox a{min-height:44px;color:var(--ds-teal-text);text-underline-offset:3px;align-items:center;font-weight:550;text-decoration:underline;display:inline-flex}@media (prefers-reduced-motion:reduce){.ds.ds-guide .ds-guide-q__i,.ds.ds-guide .calc-input,.ds.ds-guide .calc-select,.ds.ds-guide .calc-plan-btn{transition-duration:.12s!important}.ds.ds-guide .calc-cta a.primary{transition:none!important}}@media (max-width:900px){.ds.ds-guide .ds-guide-read{width:min(760px,100% - 40px)}.ds.ds-guide .ds-guide-head{padding-top:calc(var(--ds-nav-h) + 28px)}.ds.ds-guide .ds-guide-h1{letter-spacing:-.035em;font-size:clamp(2rem,8.4vw,2.75rem);line-height:1.08}.ds.ds-guide .ds-guide-quick{border-radius:20px}.ds.ds-guide .ds-guide-body h2{margin-top:40px;font-size:clamp(1.625rem,6.4vw,2rem)}.ds.ds-guide .ds-guide-body h3{font-size:1.125rem}.ds.ds-guide .ds-guide-tablewrap{border-radius:18px}.ds.ds-guide .gd-kt,.ds.ds-guide .gd-authorbox,.ds.ds-guide .calc-card,.ds.ds-guide .calc-hero-num,.ds.ds-guide .calc-col,.ds.ds-guide .calc-breakeven{border-radius:20px}.ds.ds-guide .ds-guide-cta{border-radius:22px}.ds.ds-guide .calc-plan-toggle{flex-wrap:wrap}.ds.ds-guide .calc-plan-btn{flex:140px}.ds.ds-guide .calc-cta{flex-direction:column;align-items:stretch}.ds.ds-guide .calc-cta a.primary{width:100%}.ds.ds-guide .calc-cta a.secondary{justify-content:center}.ds.ds-guide .ds-guide-q__c{padding-right:4px}.ds.ds-guide .ds-guide-faq>h2{font-size:clamp(1.625rem,6.4vw,2rem)}}