:root{color-scheme:light;--tone-leaf:#1d5a4b;--tone-leaf-deep:#144236;--tone-sheet:#ffffff;--tone-sheet-tint:#f2f6f3;--tone-type:#1b2522;--tone-type-soft:#4b5a54;--tone-hair:#d6dfd9;--tone-edge:#7f918a;--tone-focus:#b8862b;--type-sans:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;--type-serif:Charter,"Bitstream Charter","Iowan Old Style","Sitka Text",Cambria,Georgia,serif;--col-tool:720px;--col-wide:1160px}*,*::before,*::after{box-sizing:border-box}[hidden]{display:none !important}html{-webkit-text-size-adjust:100%}body{margin:0;background:var(--tone-sheet);color:var(--tone-type);font:400 1.125rem/1.6 var(--type-sans);overflow-wrap:break-word}a{color:var(--tone-leaf);text-underline-offset:0.18em}a:hover{color:var(--tone-leaf-deep);text-decoration-thickness:2px}:focus-visible{outline:3px solid var(--tone-focus);outline-offset:2px}h1,h2,h3{font-family:var(--type-serif);font-weight:700;line-height:1.2;margin:0}h2{font-size:1.75rem;margin:0 0 0.75rem}h3{font-size:1.3125rem;margin:1.75rem 0 0.5rem}p{margin:0 0 1rem}.u-sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}.l-top{position:relative;background:var(--tone-sheet)}.l-top::after{content:"";display:block;height:12px;opacity:0.5;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='48' height='12' viewBox='0 0 48 12'%3E%3Cg fill='none' stroke='%231d5a4b' stroke-width='0.7'%3E%3Cpath d='M0 6C6 0 18 0 24 6S42 12 48 6'/%3E%3Cpath d='M0 6C6 12 18 12 24 6S42 0 48 6'/%3E%3Cpath d='M0 3C8 0 16 0 24 3S40 6 48 3'/%3E%3Cpath d='M0 9C8 12 16 12 24 9S40 6 48 9'/%3E%3C/g%3E%3C/svg%3E");background-size:48px 12px;border-bottom:1px solid var(--tone-hair)}.l-top-in{max-width:var(--col-wide);margin:0 auto;padding:0.7rem 1.25rem;display:flex;align-items:center;justify-content:space-between;gap:1rem}.brandmark{display:inline-flex;align-items:center;gap:0.6rem;color:var(--tone-type);text-decoration:none;font-size:0.9375rem;font-weight:600}.brandmark:hover{color:var(--tone-leaf);text-decoration:none}.brandmark svg{width:44px;height:32px;flex:none}.top-link{font-size:0.9375rem;font-weight:500;text-decoration:none;padding:0.6rem 0.25rem}.top-link:hover{text-decoration:underline}.top-nav{display:flex;align-items:center;gap:1.25rem}.top-nav a{font-size:0.9375rem;font-weight:400;color:var(--tone-type);text-decoration:none;padding:0.6rem 0.1rem}.top-nav a:hover{color:var(--tone-leaf);text-decoration:underline}.top-nav a[aria-current="page"]{color:var(--tone-leaf);text-decoration:underline;text-underline-offset:0.3em}.l-main{padding:0 1.25rem}.calc{max-width:var(--col-tool);margin:0 auto;padding:2.25rem 0 1.5rem}.calc h1{font-size:2.125rem}.calc-sub{margin:0.5rem 0 1.5rem;color:var(--tone-type-soft);font-size:1.0625rem}.tabs{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:0;margin-bottom:1.25rem;border-bottom:1px solid var(--tone-hair)}.tab{font:500 1rem/1.3 var(--type-sans);min-height:44px;padding:0.55rem 0.5rem 0.6rem;border:0;border-bottom:2px solid transparent;margin-bottom:-1px;background:none;color:var(--tone-type-soft);cursor:pointer}.tab:hover{color:var(--tone-leaf)}.tab[aria-selected="true"]{color:var(--tone-leaf);border-bottom-color:var(--tone-leaf)}.tab:focus-visible{outline:2px solid var(--tone-leaf);outline-offset:-2px}.fields{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr) minmax(0,1.2fr);gap:0.75rem 1rem;align-items:end}.fields-two{grid-template-columns:minmax(0,1.2fr) minmax(0,1fr)}.field label{display:block;font-size:0.9375rem;font-weight:500;margin-bottom:0.35rem}.field select,.field input{width:100%;min-height:48px;font:400 1.0625rem/1.2 var(--type-sans);color:var(--tone-type);background:var(--tone-sheet);border:1px solid var(--tone-edge);border-radius:8px;padding:0.55rem 0.7rem}.field select:hover,.field input:hover{border-color:var(--tone-leaf)}.money{position:relative}.money span{position:absolute;left:0.75rem;top:50%;transform:translateY(-50%);color:var(--tone-type-soft);pointer-events:none}.money input{padding-left:1.6rem}.hint{font-size:0.875rem;color:var(--tone-type-soft);margin:0.4rem 0 0}.asof-row{margin-top:0.75rem;display:flex;flex-wrap:wrap;align-items:flex-end;gap:0.5rem 1rem}.asof-row .field{flex:1 1 220px;max-width:320px}.linkish{font:500 0.9375rem/1.3 var(--type-sans);color:var(--tone-leaf);background:none;border:0;min-height:44px;padding:0.5rem 0;text-decoration:underline;text-underline-offset:0.18em;cursor:pointer}.linkish:hover{color:var(--tone-leaf-deep);text-decoration-thickness:2px}.answer{margin-top:1.25rem;background:var(--tone-sheet-tint);border-radius:12px;padding:1.25rem 1.4rem}.answer:has(>.answer-wait){background:none;padding:0;margin-top:0.9rem;border-radius:0}.answer:has(>.ans-rest){background:none;border:1px solid var(--tone-hair);border-radius:12px;padding:0.9rem 1.25rem}.ans-slot{margin:0.1rem 0 0;font:400 1.75rem/1.2 var(--type-serif);color:var(--tone-edge)}.ans-dash{color:var(--tone-edge)}.ans-hint{margin:0.9rem 0 0;font-size:0.9375rem;color:var(--tone-type-soft)}.answer-wait{margin:0;color:var(--tone-type-soft);font-size:0.9375rem}.answer-wait b{color:var(--tone-type);font-weight:600}.ans-label{margin:0;font-size:0.9375rem;color:var(--tone-type-soft)}.ans-pair{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1rem 1.5rem}.ans-pair>div{container-type:inline-size;min-width:0}.ans-big{margin:0.1rem 0 0;font-family:var(--type-serif);font-size:2.75rem;line-height:1.15;font-weight:600;font-variant-numeric:tabular-nums lining-nums;white-space:nowrap}.ans-pair .ans-big{font-size:min(2.75rem,calc(100cqi / (var(--n,10) * 0.52)))}.ans-pair .ans-dash{font-size:2.75rem}.ans-reason{margin-top:0.75rem}.ans-facts-one{grid-template-columns:minmax(0,1fr)}.ans-why{margin:0;font-size:0.9375rem}.ans-free{margin-top:0.2rem;color:var(--tone-type-soft)}.ans-facts{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0.75rem 1.5rem;margin:1rem 0 0;padding-top:0.9rem;border-top:1px solid var(--tone-hair)}.ans-facts dt{font-size:0.875rem;color:var(--tone-type-soft)}.ans-facts:not(.ans-facts-one)>div:nth-child(2){grid-column:2;grid-row:1 / span 3}.ans-facts dd{margin:0.1rem 0 0;font-weight:600}.ans-facts dd span{display:block;font-weight:400;font-size:0.875rem;color:var(--tone-type-soft)}.ans-note{margin:0.9rem 0 0;font-size:0.9375rem;color:var(--tone-type-soft)}.ans-tools{display:flex;flex-wrap:wrap;gap:0.5rem 1rem;margin-top:1rem}.btn-quiet{font:500 0.9375rem/1.2 var(--type-sans);min-height:44px;padding:0.55rem 1rem;border-radius:8px;border:1px solid var(--tone-leaf);background:var(--tone-sheet);color:var(--tone-leaf);cursor:pointer}.btn-quiet:hover{background:var(--tone-leaf);color:var(--tone-sheet)}a.btn-quiet{display:inline-flex;align-items:center;text-decoration:none}.go-tool{margin:0.25rem 0 1.75rem}.ans-more{margin-top:1rem}.ans-more summary,.fold summary{cursor:pointer;font-weight:500;color:var(--tone-leaf);padding:0.5rem 0;min-height:44px}.ans-more summary:hover,.fold summary:hover{text-decoration:underline}.scroll{overflow-x:auto;-webkit-overflow-scrolling:touch;margin:0.5rem 0 0.75rem;border:1px solid var(--tone-hair);border-radius:8px;background:linear-gradient(to right,var(--tone-sheet) 30%,rgba(255,255,255,0)) left center / 2rem 100% no-repeat local,linear-gradient(to left,var(--tone-sheet) 30%,rgba(255,255,255,0)) right center / 2rem 100% no-repeat local,linear-gradient(to right,rgba(29,90,75,0.22),rgba(29,90,75,0)) left center / 0.6rem 100% no-repeat scroll,linear-gradient(to left,rgba(29,90,75,0.22),rgba(29,90,75,0)) right center / 0.6rem 100% no-repeat scroll,var(--tone-sheet)}table.months th,table.months td{padding:0.4rem 0.35rem}table.months{font-size:0.8125rem}.scroll-months{max-width:100%}.scroll-hint{font-size:0.875rem;color:var(--tone-type-soft);margin:0.25rem 0 0}table{border-collapse:collapse;width:100%;font-size:0.9375rem}caption{text-align:left;padding:0.6rem 0.65rem 0.3rem;font-size:0.875rem;color:var(--tone-type-soft)}th,td{padding:0.45rem 0.65rem;text-align:right;white-space:nowrap;border-bottom:1px solid var(--tone-hair)}thead th{font-weight:600;background:var(--tone-sheet-tint)}tbody th{font-weight:600}th:first-child,td:first-child{text-align:left}tbody tr:last-child td,tbody tr:last-child th{border-bottom:0}.facts{max-width:var(--col-tool);margin:0 auto;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:0.75rem 1.5rem;padding:1.1rem 0 0;border-top:1px solid var(--tone-hair);font-size:0.9375rem;color:var(--tone-type-soft)}.facts p{margin:0}.facts b{display:block;color:var(--tone-type);font-size:1.5rem;line-height:1.25;font-weight:600}.facts>p>b{font-family:var(--type-serif);font-variant-numeric:lining-nums tabular-nums}.facts>p:first-child>b{color:var(--tone-leaf);font-size:2rem}.facts-line{grid-column:1 / -1}.facts-rules{grid-column:1 / -1;list-style:none;margin:0;padding:0.8rem 0 0;border-top:1px solid var(--tone-hair);display:grid;grid-template-columns:subgrid;row-gap:0.5rem}.facts-rules b{display:inline;font-size:inherit;line-height:inherit}.facts-line strong{color:var(--tone-type);font-weight:600}.facts-rules li{margin:0}.notice{max-width:var(--col-tool);margin:0 auto 1rem;padding:0.75rem 1rem;border-radius:10px;background:var(--tone-sheet-tint);font-size:0.9375rem}.prose{max-width:var(--col-tool);margin:0 auto;padding:3rem 0 0}.prose p,.prose li{max-width:62ch}.prose ol{padding-left:1.4rem;margin:0 0 1rem}.prose li{margin-bottom:0.4rem}.formula{font-family:var(--type-serif);font-size:1.125rem;padding:0.75rem 1rem;border-radius:8px;background:var(--tone-sheet-tint);max-width:62ch}.fold{margin:0.5rem 0 1rem}.prose-steps{padding-top:2.25rem}.prose-steps h2{font-size:1.375rem}.prose .steps{padding:0}.reading{margin:1.5rem 0 0;background:var(--tone-sheet-tint);border-radius:12px;padding:1.25rem 1.4rem}.prose .reading p{max-width:none}.reading .ans-big{font-size:min(2rem,calc(100cqi / 5.4))}.reading-eg{margin:0 0 0.25rem;font-size:0.875rem;font-weight:600;letter-spacing:0.02em;color:var(--tone-type-soft)}.reading-head{margin:0 0 0.75rem;font-weight:600}.reading-go{margin:1rem 0 0;display:flex;flex-wrap:wrap;align-items:center;gap:0.5rem 0.75rem;font-size:0.9375rem;color:var(--tone-type-soft)}.steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:0.75rem 1.5rem;list-style:none;padding:0;margin:0;counter-reset:step}.prose .steps li{max-width:none;margin:0;font-size:0.9375rem;counter-increment:step}.steps li::before{content:counter(step);display:block;font-family:var(--type-serif);font-size:1.25rem;color:var(--tone-leaf);margin-bottom:0.15rem}.faq h2{margin-bottom:0.5rem}.qa{border-bottom:1px solid var(--tone-hair)}.qa:first-of-type{border-top:1px solid var(--tone-hair)}.qa summary{list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:44px;padding:0.85rem 0}.qa summary::-webkit-details-marker{display:none}.qa summary::after{content:"+";flex:none;font:400 1.5rem/1 var(--type-sans);color:var(--tone-leaf)}.qa[open] summary::after{content:"\2212"}.qa summary h3{margin:0;font-size:1.125rem}.qa summary:hover h3{color:var(--tone-leaf)}.qa p{margin:0 0 1rem}.table-note{font-size:0.9375rem;color:var(--tone-type-soft);margin:0 0 0.25rem}td.key{font-weight:600;color:var(--tone-leaf-deep)}table.rates tbody th,table.proof tbody th{font-weight:500}.proof .by{display:block;font-size:0.8125rem;color:var(--tone-leaf);white-space:normal}.proof .by:hover{color:var(--tone-leaf-deep)}.proof .vt{display:block;font-size:0.8125rem;color:var(--tone-type-soft);white-space:normal}.page{max-width:var(--col-tool);margin:0 auto;padding:2.25rem 0 1rem}.page h1{font-size:2.125rem;margin-bottom:1rem}.page h2{font-size:1.375rem;margin:1.75rem 0 0.5rem}.page p,.page li{max-width:62ch}.l-foot{margin-top:4rem;background:var(--tone-sheet-tint);font-size:0.875rem}.l-foot-in{max-width:var(--col-wide);margin:0 auto;padding:2rem 1.25rem 1.5rem;display:grid;grid-template-columns:minmax(0,1.4fr) minmax(0,1fr);gap:1.5rem 3rem}.foot-about{display:flex;gap:0.9rem;align-items:flex-start}.foot-about svg{width:40px;height:29px;flex:none;margin-top:0.15rem}.foot-about p{margin:0 0 0.5rem;max-width:46ch}.foot-links{list-style:none;margin:0;padding:0;columns:2;column-gap:2rem}.foot-links li{margin:0 0 0.2rem;break-inside:avoid}.foot-links a{display:inline-block;padding:0.3rem 0;color:var(--tone-type);text-decoration:none}.foot-links a:hover{color:var(--tone-leaf);text-decoration:underline}.foot-strip{background:var(--tone-leaf-deep);color:#eef5f1}.foot-strip p{max-width:var(--col-wide);margin:0 auto;padding:0.75rem 1.25rem;font-size:0.8125rem}@media (max-width:719px){body{font-size:1.0625rem}.l-top-in{padding:0.45rem 1rem;gap:0.5rem}.brandmark{font-size:0.875rem;gap:0.45rem;white-space:nowrap}.brandmark svg{width:34px;height:25px}.brandmark{white-space:normal;line-height:1.15;max-width:9.5rem}.top-nav{gap:0.9rem}.top-nav a{font-size:0.875rem;white-space:nowrap;padding:0.7rem 0.1rem}.calc{padding-top:1rem;padding-bottom:1rem}.calc h1{font-size:1.625rem}.calc-sub{margin:0.35rem 0 0.85rem;font-size:1rem}.tabs{margin-bottom:0.85rem}.tab{font-size:0.9375rem;min-height:44px;padding:0.4rem 0.5rem}.fields{grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:0.6rem 0.75rem}.field label{font-size:0.875rem;margin-bottom:0.25rem}.answer{margin-top:1rem;padding:1rem 1.1rem}.facts{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:0.6rem 0.75rem;font-size:0.8125rem}.facts b{font-size:1.25rem}.facts>p:first-child>b{font-size:1.5rem}.facts-line,.facts-rules{grid-column:1 / -1;font-size:0.875rem}.fields .field-wide{grid-column:1 / -1}.fields-two{grid-template-columns:minmax(0,1fr)}.ans-pair{gap:0.75rem}.ans-pair .ans-dash{font-size:2rem}.l-foot-in{grid-template-columns:minmax(0,1fr)}.steps{grid-template-columns:minmax(0,1fr);gap:0.5rem}.reading{padding:1rem 1.1rem}.reading .ans-big{font-size:min(1.625rem,calc(100cqi / 5.4))}.steps li::before{display:inline;margin:0 0.5rem 0 0;font-size:1.0625rem}table{font-size:0.875rem}th,td{padding:0.45rem 0.3rem}th:first-child,td:first-child{padding-left:0.5rem}th:last-child,td:last-child{padding-right:0.5rem}table.rates th,table.proof th{white-space:normal}table.rates tbody th,table.proof tbody th{min-width:5.5em}table.proof tbody th{min-width:9em}h2{font-size:1.5rem}}@media (max-width:379px){.brandmark{white-space:normal;line-height:1.2}}@media print{.l-top,.l-foot,.tabs,.ans-tools,.prose,.facts,.notice,.top-link,.linkish,.calc-sub{display:none !important}.answer{background:none;padding:0}.field select,.field input{border-color:#999}body{background:#fff;color:#000}}.brandmark svg,.foot-about svg{color:var(--tone-leaf)}.page-facts{list-style:none;margin:0 0 1.5rem;padding:1rem 0;border-top:1px solid var(--tone-hair);border-bottom:1px solid var(--tone-hair);display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0.6rem 2rem;font-size:0.9375rem}.page-facts b{font-weight:600;color:var(--tone-type)}@media (max-width:719px){.page-facts{grid-template-columns:minmax(0,1fr)}}