.hm-hero{max-width:760px;padding:52px 0 46px}.hm-eyebrow{color:#38695f;letter-spacing:.6px;text-transform:uppercase;margin-bottom:13px;font-size:12px;font-weight:750}.hm-hero h1{letter-spacing:-2.5px;margin-bottom:16px;font-size:56px;font-weight:800;line-height:1.1}.hm-hero h1 span{color:#0f766e}.hm-lead{max-width:620px;color:var(--site-muted);font-size:19px;line-height:1.65}.hm-cta{color:#fff;background:#0f766e;border-radius:12px;align-items:center;gap:10px;min-height:50px;margin-top:26px;padding:0 22px;font-size:16px;font-weight:750;text-decoration:none;transition:background .14s,box-shadow .14s;display:inline-flex;box-shadow:0 6px 16px #0f766e2e}.hm-cta:hover{background:#115e59;box-shadow:0 8px 20px #0f766e38}#calculators{scroll-margin-top:20px}#calculators:focus{outline:none}.hm-tools{padding-bottom:12px}.hm-section-heading{max-width:720px;margin-bottom:22px}.hm-section-heading h2,.hm-principles h2,.hm-transparency h2{letter-spacing:-1px;font-size:30px;font-weight:800;line-height:1.25}.hm-section-heading p{color:var(--site-muted);margin-top:8px;font-size:16px;line-height:1.65}.hm-tool-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;margin:0;padding:0;list-style:none;display:grid}.hm-tool-grid>li{min-width:0;display:flex}.hm-tool{background:linear-gradient(165deg,#fff 55%,#f1f9f5);border:1px solid #d5e5df;border-radius:22px;flex-direction:column;flex:1;min-width:0;padding:26px 26px 24px;transition:border-color .16s,box-shadow .16s,transform .16s;display:flex;position:relative;box-shadow:0 6px 24px #124d3b0a}.hm-tool:hover{border-color:#9fcfbf;transform:translateY(-2px);box-shadow:0 14px 34px #124d3b17}.hm-tool:has(.hm-tool-cta:focus-visible){border-color:#0f766e;box-shadow:0 0 0 3px #0f766e,0 14px 34px #124d3b17}.hm-tool-top{align-items:center;gap:12px;display:flex}.hm-tool-icon{color:#0f766e;background:#e6f4ee;border:1px solid #cfe7dd;border-radius:14px;flex-shrink:0;place-items:center;width:48px;height:48px;display:grid}.hm-tool-question{color:#38695f;font-size:13px;font-weight:700;line-height:1.4}.hm-tool h3{letter-spacing:-.7px;margin-top:20px;font-size:24px;font-weight:800;line-height:1.25}.hm-tool-description{color:var(--site-muted);margin-top:8px;font-size:15px;line-height:1.65}.hm-tool-highlights{flex-wrap:wrap;gap:6px;margin:16px 0 22px;padding:0;list-style:none;display:flex}.hm-tool-highlights li{color:#33574c;background:#fff;border:1px solid #dbe9e2;border-radius:999px;padding:4px 10px;font-size:12px;font-weight:650}.hm-tool-cta{color:#fff;background:#0f766e;border-radius:11px;align-self:flex-start;align-items:center;gap:8px;min-height:46px;margin-top:auto;padding:0 18px;font-size:15px;font-weight:750;text-decoration:none;transition:background .14s;display:inline-flex}.hm-tool-cta:after{content:"";border-radius:22px;position:absolute;inset:0}.hm-tool:hover .hm-tool-cta{background:#115e59}.hm-tool-cta span{transition:transform .16s}.hm-tool:hover .hm-tool-cta span{transform:translate(3px)}.site-page .hm-tool-cta:focus-visible{outline:none}.hm-principles{border-top:1px solid var(--site-line);margin-top:56px;padding-top:36px}.hm-principles ol{grid-template-columns:repeat(3,minmax(0,1fr));gap:28px;margin:22px 0 0;padding:0;list-style:none;display:grid}.hm-step{color:#0f766e;letter-spacing:.6px;font-variant-numeric:tabular-nums;margin-bottom:10px;font-size:13px;font-weight:800;display:inline-block}.hm-principles h3{letter-spacing:-.3px;font-size:18px;font-weight:800}.hm-principles p{color:var(--site-muted);margin-top:6px;font-size:15px;line-height:1.65}.hm-transparency{background:#f4f9f6;border:1px solid #deebe3;border-radius:22px;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);align-items:start;gap:32px;margin:52px 0 48px;padding:30px 32px;display:grid}.hm-transparency ul{gap:14px;margin:0;padding:0;list-style:none;display:grid}.hm-transparency li{color:#22382f;gap:12px;font-size:15px;line-height:1.6;display:flex}.hm-transparency li svg{flex-shrink:0;margin-top:3px}@media (max-width:1100px){.hm-tool-grid{grid-template-columns:minmax(0,1fr)}.hm-tool{grid-template-columns:auto minmax(0,1fr) auto;align-items:center;column-gap:20px;padding:24px;display:grid}.hm-tool-top{grid-area:1/1/span 4;align-self:start}.hm-tool-question{display:none}.hm-tool h3,.hm-tool-description,.hm-tool-highlights{grid-column:2}.hm-tool h3{margin-top:0}.hm-tool-highlights{margin-bottom:0}.hm-tool-cta{white-space:nowrap;grid-area:1/3/span 4;margin-top:0}}@media (max-width:900px){.hm-hero{padding:40px 0 36px}.hm-hero h1{letter-spacing:-2px;font-size:46px}.hm-principles ol{grid-template-columns:minmax(0,1fr);gap:18px}.hm-transparency{grid-template-columns:minmax(0,1fr);gap:16px}}@media (max-width:700px){.hm-tool{align-items:stretch;padding:22px 20px 20px;display:flex}.hm-tool-question{display:block}.hm-tool h3{margin-top:16px}.hm-tool-highlights{margin-bottom:20px}.hm-tool-cta{justify-content:center;align-self:stretch;margin-top:auto}}@media (max-width:560px){.hm-hero{padding:30px 0 28px}.hm-hero h1{letter-spacing:-1.5px;font-size:36px}.hm-lead{font-size:17px}.hm-cta{justify-content:center;width:100%}.hm-section-heading h2,.hm-principles h2,.hm-transparency h2{font-size:25px}.hm-principles{margin-top:44px;padding-top:28px}.hm-transparency{margin:40px 0 36px;padding:22px 18px}}@media (max-width:360px){.hm-hero h1{font-size:32px}.hm-tool-icon{width:42px;height:42px}}