:root{--c-ink:#1a1a1a;--c-ink-2:#4b4f54;--c-bg:#fff;--c-surface:#f5f5f0;--c-brand:#0e4d45;--c-brand-hover:#0a3a34;--c-brand-tint:#e6f0ee;--c-link:#0b5c8c;--c-link-hover:#073d5e;--c-link-visited:#5a3d8a;--c-focus:#ffd23f;--c-focus-ink:#1a1a1a;--c-error:#b4231c;--c-success:#17643a;--c-border:#b9bfbd;--c-input-border:#1a1a1a;--c-highlight:#fff4c2;--c-seg-net:#0e7a5f;--c-seg-tax:#b8462b;--c-seg-ni:#5b4b9a;--c-seg-sl:#8a6a00;--c-seg-pen:#2f6aa3;--font-sans:"Helvetica Neue", Helvetica, Arial, sans-serif;--font-mono:ui-monospace, "SFMono-Regular", Menlo, Consolas, "Liberation Mono", monospace;--fw-regular:400;--fw-bold:700;--fs-xl:2rem;--lh-xl:2.1875rem;--fs-l:1.6875rem;--lh-l:1.875rem;--fs-m:1.3125rem;--lh-m:1.5625rem;--fs-s:1.1875rem;--lh-s:1.5625rem;--fs-xs:1rem;--lh-xs:1.25rem;--fs-figure:2.5rem;--lh-figure:2.75rem;--sp-1:.3125rem;--sp-2:.625rem;--sp-3:.9375rem;--sp-4:1.25rem;--sp-5:1.5625rem;--sp-6:1.875rem;--sp-7:2.5rem;--sp-8:3.125rem;--sp-9:3.75rem;--radius-0:0;--radius-1:2px;--bw-1:1px;--bw-2:2px;--bw-callout:5px;--bw-focus:3px;--shadow-button:0 2px 0 #062925;--container:960px;--gutter:var(--sp-3);--measure:40em;--bp-tablet:640px;--bp-desktop:1020px;--ease-out:cubic-bezier(.2, 0, 0, 1);--dur-fast:.12s;--dur-base:.24s;--dur-flash:.9s;--z-sticky:10;--z-toast:20;--z-cookie:30}@media (width>=640px){:root{--fs-xl:3rem;--lh-xl:3.125rem;--fs-l:2.25rem;--lh-l:2.5rem;--fs-m:1.5rem;--lh-m:1.875rem;--fs-figure:3rem;--lh-figure:3.125rem;--gutter:var(--sp-6)}}@media (prefers-reduced-motion:reduce){:root{--dur-fast:0s;--dur-base:0s;--dur-flash:0s}*,:before,:after{scroll-behavior:auto!important;transition-duration:0s!important;animation-duration:0s!important}}html{-webkit-text-size-adjust:100%}body{font-family:var(--font-sans);font-size:var(--fs-s);line-height:var(--lh-s);color:var(--c-ink);background:var(--c-bg);margin:0}.num,table,.figure,input.money{font-variant-numeric:tabular-nums lining-nums}a{color:var(--c-link);text-underline-offset:.15em;text-decoration:underline max(1px,.0625rem)}a:hover{color:var(--c-link-hover);text-decoration-thickness:max(3px,.1875rem)}a:visited{color:var(--c-link-visited)}a:focus-visible{outline:var(--bw-focus) solid transparent;color:var(--c-focus-ink);background:var(--c-focus);box-shadow:0 -2px var(--c-focus), 0 4px var(--c-focus-ink);text-decoration:none}:where(input,select,button,summary,[tabindex]):focus-visible{outline:var(--bw-focus) solid var(--c-focus);outline-offset:0;box-shadow:inset 0 0 0 2px var(--c-focus-ink)}*{box-sizing:border-box}html{scroll-padding-top:var(--sp-4)}.wrap{max-width:calc(var(--container) + var(--gutter)*2);padding:0 var(--gutter);margin:auto}.skip{z-index:var(--z-cookie);position:absolute;left:-9999px}.skip:focus{background:var(--c-focus);padding:var(--sp-3);left:0}.sr-only{clip-path:inset(50%);white-space:nowrap;width:1px;height:1px;position:absolute;overflow:hidden}h1{font-size:var(--fs-xl);line-height:var(--lh-xl);margin:0 0 var(--sp-4)}h2{font-size:var(--fs-l);line-height:var(--lh-l);margin:var(--sp-8) 0 var(--sp-4)}h3{font-size:var(--fs-m);line-height:var(--lh-m);margin:var(--sp-6) 0 var(--sp-3)}p{margin:0 0 var(--sp-4);max-width:var(--measure)}li{margin-bottom:var(--sp-2)}.lead{font-size:var(--fs-m);line-height:var(--lh-m)}.site-header{background:var(--c-brand);color:var(--c-bg);border-bottom:var(--sp-2) solid var(--c-brand-hover)}.header-inner{justify-content:space-between;align-items:center;gap:var(--sp-4);flex-wrap:wrap;min-height:60px;display:flex}.wordmark{font-size:var(--fs-m);font-weight:700;text-decoration:none}.site-header a,.site-header a:visited{color:var(--c-bg)}.primary-nav{gap:var(--sp-4);font-size:var(--fs-xs);font-weight:700;display:flex}.primary-nav span{font-weight:400}.mobile-nav{display:none}.mobile-nav summary{cursor:pointer;min-height:44px;padding:var(--sp-2);font-weight:700}.mobile-nav ul{padding-left:var(--sp-4)}.crumbs{font-size:var(--fs-xs);margin:var(--sp-3) 0 var(--sp-6)}.crumbs ol{gap:var(--sp-2);flex-wrap:wrap;margin:0;padding:0;list-style:none;display:flex}.crumbs li{margin:0}.crumbs li+li:before{content:"›";margin-right:var(--sp-2);color:var(--c-ink-2)}.crumbs a{color:var(--c-ink)}.meta{font-size:var(--fs-xs);color:var(--c-ink-2);border-block:1px solid var(--c-border);padding:var(--sp-2) 0;margin-bottom:var(--sp-6);max-width:none}.site-footer{background:var(--c-surface);border-top:var(--sp-2) solid var(--c-brand);margin-top:var(--sp-9);padding:var(--sp-7) 0;font-size:var(--fs-xs)}.footer-links{gap:var(--sp-3);flex-wrap:wrap;padding:0;list-style:none;display:flex}.site-footer p{max-width:none}main{min-height:60vh}.prose{max-width:var(--measure)}.tool-list{gap:var(--sp-5);grid-template-columns:1fr 1fr;padding:0;list-style:none;display:grid}.tool-list li{border-bottom:1px solid var(--c-border);padding-bottom:var(--sp-4)}.tool-list h3{margin-top:0}.amount-links{gap:var(--sp-4);grid-template-columns:repeat(4,1fr);padding:0;list-style:none;display:grid}.answer{background:var(--c-brand-tint);border-left:var(--bw-callout) solid var(--c-brand);padding:var(--sp-4) var(--sp-5);margin-bottom:var(--sp-6)}.figure{font-size:var(--fs-figure);line-height:var(--lh-figure);margin:var(--sp-1) 0 var(--sp-2);font-weight:700}.answer p:last-child{margin:0}.callout{border-left:var(--bw-callout) solid var(--c-border);padding:var(--sp-3) var(--sp-4);margin:var(--sp-5) 0}.callout p:last-child{margin:0}.important{background:var(--c-highlight);border-color:var(--c-ink)}.calculator-grid{gap:var(--sp-6);align-items:start;display:grid}.panel-calc{border:1px solid var(--c-border);padding:var(--sp-5);min-width:0}.panel-calc h2,.result-summary h2{font-size:var(--fs-m);line-height:var(--lh-m);margin-top:0}.result-summary{min-width:0}.form-group{margin:0 0 var(--sp-5)}fieldset{border:0;min-width:0;padding:0}label,legend{margin-bottom:var(--sp-1);font-weight:700;display:block}.hint{color:var(--c-ink-2);font-size:var(--fs-xs);margin-bottom:var(--sp-2)}.money-wrap{display:flex}.prefix{border:2px solid var(--c-input-border);background:#e9ecea;border-right:0;justify-content:center;align-items:center;min-width:40px;height:40px;font-weight:700;display:inline-flex}input[type=text],select{font:inherit;border:2px solid var(--c-input-border);height:40px;padding:var(--sp-1);background:var(--c-bg);color:var(--c-ink);border-radius:0;max-width:100%}input[type=text]{width:10ch}select{width:auto}.input-line{gap:var(--sp-2);flex-wrap:wrap;align-items:center;display:flex}.radios{gap:var(--sp-4);flex-wrap:wrap;display:flex}.radios label,.check-label{align-items:flex-start;gap:var(--sp-2);font-weight:400;display:flex}.radios input,.check-label input{width:24px;min-width:24px;height:24px;accent-color:var(--c-ink);margin:0}details{margin:var(--sp-4) 0}summary{cursor:pointer;min-height:44px;padding:var(--sp-2) 0;font-weight:700}details>div{padding-top:var(--sp-3)}.tag{background:var(--c-surface);border-radius:var(--radius-1);font-size:var(--fs-xs);padding:var(--sp-1);margin-left:var(--sp-2);font-weight:400;display:inline-block}button{font:inherit;cursor:pointer;border-radius:0}.btn{font-weight:700;font-size:var(--fs-s);background:var(--c-brand);color:var(--c-bg);box-shadow:var(--shadow-button);border:2px solid #0000;padding:8px 10px 7px}.btn:hover{background:var(--c-brand-hover)}.btn:active{box-shadow:none;transform:translateY(2px)}.btn.secondary{color:var(--c-ink);background:#e9ecea;box-shadow:0 2px #8b928f}.btn:focus-visible{background:var(--c-focus);color:var(--c-focus-ink)}.link-button{color:var(--c-link);padding:var(--sp-2) 0;background:0 0;border:0;min-height:44px;text-decoration:underline}.actions{gap:var(--sp-3);margin:var(--sp-4) 0;flex-wrap:wrap;align-items:center;display:flex}.submit-actions{gap:var(--sp-4)}.segmented{border:2px solid var(--c-ink);max-width:100%;margin:0 0 var(--sp-4);display:inline-flex}.segmented label{cursor:pointer;margin:0;padding:6px 12px;font-weight:700;position:relative}.segmented input{opacity:0;width:1px;height:1px;position:absolute}.segmented span{display:block}.segmented input:checked+span{background:var(--c-ink);color:var(--c-bg);margin:-6px -12px;padding:6px 12px}.segmented input:focus-visible+span{outline:3px solid var(--c-focus);box-shadow:inset 0 0 0 2px var(--c-ink)}.bar{height:20px;margin:var(--sp-4) 0 var(--sp-2);gap:2px;display:flex}.bar svg{min-width:0;height:100%;transition:width var(--dur-base) var(--ease-out)}.segment-net{fill:var(--c-seg-net);background:var(--c-seg-net)}.segment-tax{fill:var(--c-seg-tax);background:var(--c-seg-tax)}.segment-ni{fill:var(--c-seg-ni);background:var(--c-seg-ni)}.segment-sl{fill:var(--c-seg-sl);background:var(--c-seg-sl)}.segment-pen{fill:var(--c-seg-pen);background:var(--c-seg-pen)}.legend{gap:var(--sp-2) var(--sp-5);font-size:var(--fs-xs);flex-wrap:wrap;margin:0;padding:0;list-style:none;display:flex}.legend li{margin:0}.legend i{width:12px;height:12px;margin-right:var(--sp-1);display:inline-block}table{border-collapse:collapse;width:100%;font-size:var(--fs-s);margin:0 0 var(--sp-5)}caption{text-align:left;font-weight:700;font-size:var(--fs-m);line-height:var(--lh-m);margin-bottom:var(--sp-3)}th,td{padding:var(--sp-2) var(--sp-3) var(--sp-2) 0;border-bottom:1px solid var(--c-border);text-align:left;vertical-align:top;overflow-wrap:anywhere}td.num,th.num{text-align:right;padding-right:0;padding-left:var(--sp-2)}thead th{border-bottom:2px solid var(--c-ink)}tr.total th,tr.total td{border-top:2px solid var(--c-ink);border-bottom:0;font-weight:700}.small{font-size:var(--fs-xs);line-height:var(--lh-xs)}.payslip{table-layout:fixed}.payslip th:first-child{width:27%}.payslip td.num{white-space:nowrap;overflow-wrap:normal}.invalid-result .bar{opacity:.5}.field-error{color:var(--c-error);margin:var(--sp-2) 0;font-weight:700;font-size:var(--fs-xs)}.has-error{border-left:var(--bw-callout) solid var(--c-error);padding-left:var(--sp-3)}[aria-invalid=true]{border:4px solid var(--c-error)!important}.error-summary{border:4px solid var(--c-error);padding:var(--sp-4);margin:0 0 var(--sp-6)}.error-summary h2{font-size:var(--fs-m);line-height:var(--lh-m);margin:0 0 var(--sp-3)}.error-summary a{color:var(--c-error);font-weight:700}.toast{background:var(--c-ink);color:var(--c-bg);font-size:var(--fs-xs);padding:var(--sp-2) var(--sp-3);z-index:var(--z-toast);max-width:calc(100% - 30px);position:fixed;bottom:80px;left:50%;transform:translate(-50%)}.stickybar{display:none}.icon{vertical-align:middle;width:20px;height:20px;margin-right:8px}.quick-form{background:var(--c-brand-tint);padding:var(--sp-5);margin:var(--sp-6) 0}.quick-form input[type=text]{width:15ch}.sources-list li{margin-bottom:var(--sp-4)}.amount-form>summary{display:none}.amount-form>div{padding-top:0}.print-only{display:none}.changed .figure,.changed .result-value,.changed .percentile-answer{animation:value-change .18s var(--ease-out)}@keyframes value-change{0%{opacity:.65;transform:translateY(3px)}to{opacity:1;transform:translateY(0)}}@media (width>=1020px){.calculator-grid{grid-template-columns:7fr 5fr}.result-summary{position:sticky;top:20px}.amount-grid{grid-template-columns:7fr 5fr}.amount-grid .result-summary{position:static}.amount-grid .panel-calc{position:sticky;top:20px}}@media (width<=1019px){.primary-nav{display:none}.mobile-nav{display:block}.mobile-nav[open]{flex-basis:100%}.mobile-nav[open] summary{text-align:right}.payslip{font-size:var(--fs-xs)}}@media (width<=639px){table{font-size:var(--fs-xs);line-height:var(--lh-xs)}th,td{padding-right:var(--sp-1)}td.num,th.num{padding-left:var(--sp-1)}.payslip .desktop-period{display:none}.payslip .mobile-period{display:table-cell}.payslip th:first-child{width:32%}.radios{flex-direction:column}.tool-list{grid-template-columns:1fr}.amount-links{grid-template-columns:repeat(2,1fr)}.legend{flex-direction:column}.stickybar{background:var(--c-bg);border-top:2px solid var(--c-ink);min-height:56px;padding:var(--sp-2) var(--sp-3) calc(var(--sp-2) + env(safe-area-inset-bottom));justify-content:space-between;align-items:center;gap:var(--sp-2);z-index:var(--z-sticky);font-size:var(--fs-xs);opacity:0;transition:transform .18s var(--ease-out),opacity .18s var(--ease-out),visibility 0s linear .18s;visibility:hidden;display:flex;position:fixed;bottom:0;left:0;right:0;transform:translateY(100%)}.stickybar.visible{opacity:1;visibility:visible;transition-delay:0s;transform:translateY(0)}.stickybar strong{font-size:var(--fs-m)}.stickybar button{font-size:var(--fs-xs);font-weight:700}.site-footer{padding-bottom:calc(var(--sp-9) + 56px)}.amount-form>summary{display:list-item}.amount-form:not([open])>div{display:none}.four-col{font-size:var(--fs-xs)}.four-col th:first-child{max-width:100px}.amount-hero .figure{font-size:var(--fs-figure)}}@media (width>=640px){.payslip .mobile-period,.mobile-period-control{display:none}}summary h3{font-size:inherit;line-height:inherit;margin:0;display:inline}.icon-wrap svg{width:20px;height:20px}button:disabled{cursor:default}td.num{white-space:nowrap;overflow-wrap:normal}.loan-table thead th{overflow-wrap:normal}.loan-table td.num{white-space:normal;overflow-wrap:normal}.regional-table{table-layout:fixed}.regional-table th:first-child{width:40%}.regional-table th.num{overflow-wrap:normal;width:30%}.loan-table{table-layout:fixed}.loan-table th:first-child{overflow-wrap:normal;width:30%}.nearby-table{table-layout:fixed}.nearby-table th:first-child{overflow-wrap:normal;width:22%}.nearby-table tbody th{white-space:nowrap}.rise-table{table-layout:fixed}.rise-table th:first-child{overflow-wrap:normal;width:14%}@media (width<=639px){[data-ready=false] .amount-form>div{display:none}}.percentile-chart{width:100%;max-width:640px;height:auto;margin:var(--sp-5) 0;color:var(--c-ink);font-family:inherit;font-size:18px;display:block}.percentile-chart text{fill:var(--c-ink)}.chart-grid{fill:none;stroke:var(--c-border);stroke-dasharray:3 4}.percentile-answer{font-size:var(--fs-m);font-weight:700}.toast{animation:toast-in .18s var(--ease-out)}@keyframes toast-in{0%{opacity:0;translate:0 3px}to{opacity:1;translate:0}}@media (prefers-reduced-motion:reduce){.changed .figure,.changed .result-value,.changed .percentile-answer,.toast{animation:none}.stickybar,.bar svg{transition:none}}@media (width<=639px){.percentile-chart{font-size:24px}.chart-p99 text:first-of-type{display:none}}@media print{.site-header,.mobile-nav,.skip,.crumbs,.panel-calc,.actions,.stickybar,.toast,.error-summary,.segmented,.no-print,.site-footer nav{display:none!important}html,body{background:var(--c-bg);color:var(--c-ink);font-size:12pt}.wrap{max-width:none;padding:0}.calculator-grid,.amount-grid{display:block}.result-summary{position:static}.answer{break-inside:avoid}.payslip{table-layout:auto;font-size:10pt}.payslip .desktop-period{display:table-cell!important}.payslip .mobile-period{display:none!important}table,tr{break-inside:avoid}details:not(.panel-calc){display:block}details>div{display:block!important}h1{font-size:24pt;line-height:1.2}h2{font-size:18pt;line-height:1.2}h3{font-size:14pt}.figure{font-size:28pt;line-height:1.2}.site-footer{margin-top:20pt;padding-bottom:0}.print-only{display:block}.invalid-result{opacity:1}}
