.tips-page{background:#fff}.tips-hero{background:var(--forest-deep);color:#fff;min-height:49rem;position:relative;overflow:hidden}.tips-hero__image{object-fit:cover;object-position:center 48%;width:100%;height:100%;position:absolute;inset:0}.tips-hero__veil{background:linear-gradient(90deg,#071410f5,#071410b0 56%,#07141026);position:absolute;inset:0}.tips-hero__content{z-index:1;flex-direction:column;justify-content:center;min-height:49rem;padding-block:3rem;display:flex;position:relative}.tips-breadcrumbs{color:#ffffffad;gap:.65rem;margin-bottom:auto;font-size:13px;display:flex}.tips-breadcrumbs a{color:#fff}.tips-hero h1{letter-spacing:-.055em;max-width:67rem;margin:0;font-size:clamp(50px,7.5vw,90px);font-weight:500;line-height:.96}.tips-hero__content>p:not(.eyebrow){color:#ffffffd6;max-width:52rem;margin:1.5rem 0 0;font-size:18px;line-height:31px}.tips-hero__meta{color:#ffffff9e;letter-spacing:.045em;text-transform:uppercase;flex-wrap:wrap;gap:.5rem 2rem;margin-top:auto;padding-top:3rem;font-size:12px;display:flex}.tips-heading{max-width:59rem}.tips-heading h2,.tips-answer h2,.tips-example h2,.tips-process h2,.tips-cash h2,.tips-welfare h2,.tips-short h2,.tips-check h2,.tips-faq h2,.tips-cta h2{letter-spacing:-.035em;margin:0;font-size:clamp(36px,4.5vw,56px);font-weight:500;line-height:1.08}.tips-heading>p:not(.eyebrow),.tips-heading--split>p{color:var(--muted);font-size:17px;line-height:29px}.tips-heading--split{grid-template-columns:1fr minmax(22rem,.7fr);align-items:end;gap:clamp(3rem,8vw,8rem);max-width:none;display:grid}.tips-answer{background:var(--clay);color:#fff;padding:clamp(5rem,8vw,7rem) 0}.tips-answer__grid{grid-template-columns:1fr 1fr;gap:clamp(4rem,9vw,9rem);display:grid}.tips-answer__grid>p{letter-spacing:-.03em;margin:0;font-size:clamp(29px,3.7vw,46px);line-height:1.2}.tips-answer__grid>p strong{color:#ffe0a6;font-weight:500}.tips-answer h2{font-size:clamp(28px,3.3vw,42px)}.tips-answer__grid div p{color:#ffffffd1;font-size:17px;line-height:29px}.tips-answer__note{border-top:1px solid #ffffff40;padding-top:1rem;font-size:12px!important;line-height:22px!important}.tips-ranges{background:var(--cream)}.tips-range-table{margin-top:4rem;overflow-x:auto}.tips-range-table table{border-collapse:collapse;text-align:left;background:#fff;width:100%}.tips-range-table th,.tips-range-table td{border:1px solid var(--line);vertical-align:top;padding:1.15rem}.tips-range-table thead th{background:var(--forest);color:#fff;letter-spacing:.05em;text-transform:uppercase;font-size:11px;font-weight:500}.tips-range-table tbody th{color:var(--forest);font-weight:500}.tips-range-table tbody td:nth-child(2){color:var(--clay);white-space:nowrap;font-size:20px}.tips-range-table tbody td:last-child{color:var(--muted);line-height:25px}.tips-calculator{background:var(--forest-deep);color:#fff}.tips-calculator .tips-heading--split>p{color:#ffffffad}.tips-calculator__app{background:#15352c;border:1px solid #ffffff38;margin-top:4rem;padding:clamp(1.3rem,4vw,2.5rem)}.tips-calculator__form{background:#fff3;grid-template-columns:repeat(4,1fr);gap:1px;display:grid}.tips-calculator__form label{color:#ffffffab;background:#193a31;flex-direction:column;justify-content:space-between;min-height:8rem;padding:1rem;font-size:12px;display:flex}.tips-calculator__form input,.tips-calculator__form select{width:100%;color:var(--ink);font:inherit;background:#fff;border:1px solid #ffffff4d;border-radius:0;padding:.8rem;font-size:16px}.tips-calculator__result{background:var(--clay);text-align:center;margin-top:1px;padding:2rem}.tips-calculator__result p{color:#ffffffb3;text-transform:uppercase;margin:0;font-size:12px}.tips-calculator__result strong{color:#fff;letter-spacing:-.05em;margin:.5rem 0;font-size:clamp(40px,6vw,72px);font-weight:500;display:block}.tips-calculator__result small{color:#ffffffb3}.tips-calculator__breakdown{background:#fff3;grid-template-columns:repeat(2,1fr);gap:1px;margin-top:1px;display:grid}.tips-calculator__breakdown span{color:#ffffffab;text-align:center;background:#193a31;padding:1rem}.tips-calculator__breakdown b{color:#fff;font-weight:500}.tips-calculator__disclaimer{color:#ffffff8c;margin:1.3rem 0 0;font-size:12px;line-height:22px}.tips-example{background:#fff}.tips-example__grid{grid-template-columns:1fr .8fr;align-items:center;gap:clamp(4rem,8vw,8rem);display:grid}.tips-example ol{margin:2.5rem 0;padding:0;list-style:none}.tips-example li{border-top:1px solid var(--line);grid-template-columns:14rem 1fr;gap:1rem;padding:1rem 0;display:grid}.tips-example li:last-child{border-bottom:1px solid var(--line)}.tips-example li strong{color:var(--clay);font-weight:500}.tips-example li span,.tips-example__grid>div>p:not(.eyebrow){color:var(--muted);line-height:26px}.tips-example figure{margin:0}.tips-example figure img{object-fit:cover;width:100%;min-height:38rem}.tips-example figcaption{color:var(--muted);margin-top:.7rem;font-size:12px}.tips-roles{background:var(--forest);color:#fff}.tips-role-grid{background:#fff3;grid-template-columns:repeat(3,1fr);gap:1px;margin-top:4rem;display:grid}.tips-role-grid article{background:#193a31;min-height:28rem;padding:1.5rem}.tips-role-grid span{color:#dfbd78;text-transform:uppercase;font-size:11px}.tips-role-grid h3{margin:3.5rem 0 1rem;font-size:27px;font-weight:500}.tips-role-grid p{color:#ffffffb3;line-height:27px}.tips-process{background:var(--cream)}.tips-process__grid{grid-template-columns:1fr .8fr;gap:clamp(4rem,9vw,9rem);display:grid}.tips-process p{color:var(--muted);font-size:17px;line-height:29px}.tips-process__grid>div:last-child{background:#fff;padding:clamp(1.5rem,4vw,2.7rem)}.tips-process h3{margin:0;font-size:27px;font-weight:500}.tips-process ol{padding-left:1.2rem}.tips-process li{color:var(--muted);padding:.4rem 0;line-height:25px}.tips-cash{background:var(--forest-deep);color:#fff}.tips-cash__grid{grid-template-columns:.8fr 1.2fr;align-items:center;gap:clamp(4rem,8vw,8rem);display:grid}.tips-cash figure{margin:0}.tips-cash figure img{object-fit:cover;object-position:center 65%;width:100%;max-height:47rem}.tips-cash figcaption{color:#ffffff8c;margin-top:.7rem;font-size:12px}.tips-cash ul{padding-left:1.2rem}.tips-cash li{color:#ffffffbd;border-top:1px solid #fff3;padding:.8rem 0;line-height:26px}.tips-cash__grid>div>p:not(.eyebrow){color:#ffffffb3;line-height:27px}.tips-welfare{background:#fff}.tips-welfare__grid{grid-template-columns:1fr .8fr;gap:clamp(4rem,9vw,9rem);display:grid}.tips-welfare p{color:var(--muted);font-size:17px;line-height:29px}.tips-welfare__grid>div:last-child{background:var(--cream);padding:clamp(1.5rem,4vw,2.7rem)}.tips-welfare h3{margin:0;font-size:27px;font-weight:500}.tips-welfare li{color:var(--muted);padding:.4rem 0}.tips-welfare__grid>div:last-child p{border-top:1px solid var(--line);padding-top:1rem;font-size:12px;line-height:22px}.tips-short{background:var(--clay);color:#fff}.tips-short__grid{grid-template-columns:1fr 1fr;gap:clamp(4rem,9vw,9rem);display:grid}.tips-short p{color:#fffc;font-size:17px;line-height:29px}.tips-short__grid>div:last-child{border-left:1px solid #ffffff40;padding-left:clamp(2rem,5vw,5rem)}.text-link--light{color:#fff}.tips-briefing{background:var(--cream)}.tips-briefing__list{background:var(--line);grid-template-columns:repeat(2,1fr);gap:1px;margin:4rem 0 0;padding:0;list-style:none;display:grid}.tips-briefing__list li{background:#fff;grid-template-columns:3rem 1fr;gap:1rem;min-height:6rem;padding:1.2rem;line-height:25px;display:grid}.tips-briefing__list span{color:var(--clay);font-size:12px}.tips-check{background:var(--forest);color:#fff}.tips-check__grid{grid-template-columns:.7fr 1.3fr;gap:clamp(4rem,9vw,9rem);display:grid}.tips-check ul{margin:0;padding:0;list-style:none}.tips-check li{color:#ffffffbf;border-top:1px solid #fff3;padding:1.1rem 0 1.1rem 2rem;line-height:26px;position:relative}.tips-check li:last-child{border-bottom:1px solid #fff3}.tips-check li:before{color:#dfbd78;content:"✓";position:absolute;left:0}.tips-faq{background:#fff}.tips-faq__grid{grid-template-columns:.65fr 1.35fr;gap:clamp(4rem,9vw,9rem);display:grid}.tips-faq details{border-top:1px solid var(--line)}.tips-faq summary{padding:1.25rem 2.5rem 1.25rem 0;font-size:18px;list-style:none;position:relative}.tips-faq summary::-webkit-details-marker{display:none}.tips-faq summary:after{color:var(--forest);content:"+";font-size:23px;position:absolute;right:0}.tips-faq details[open] summary:after{content:"−"}.tips-faq details p{color:var(--muted);margin:0;padding:0 2rem 1.5rem 0;line-height:27px}.tips-sources{background:var(--cream);padding:4rem 0}.tips-sources__grid{grid-template-columns:1fr 1fr;gap:5rem;display:grid}.tips-sources h2{margin:0;font-size:27px;font-weight:500}.tips-sources p{color:var(--muted);line-height:26px}.tips-sources ul{margin:0;padding-left:1.2rem}.tips-sources li{padding:.35rem 0}.tips-sources a{color:var(--forest)}.tips-sources__grid>div:last-child>p{border-top:1px solid var(--line);padding-top:1rem;font-size:12px}.tips-cta{background:var(--forest-deep);color:#fff;padding:clamp(5rem,8vw,7rem) 0}.tips-cta__grid{grid-template-columns:1fr auto;align-items:end;gap:4rem;display:grid}.tips-cta p:not(.eyebrow){color:#ffffffb8;font-size:17px;line-height:29px}.tips-cta__grid>div:last-child{flex-direction:column;gap:1.2rem;display:flex}.tips-cta__grid>div:last-child>a:not(.button){color:#fff;text-align:center}@media (width<=900px){.tips-answer__grid,.tips-heading--split,.tips-example__grid,.tips-process__grid,.tips-cash__grid,.tips-welfare__grid,.tips-short__grid,.tips-check__grid,.tips-faq__grid,.tips-sources__grid,.tips-cta__grid{grid-template-columns:1fr;gap:2.5rem}.tips-calculator__form{grid-template-columns:repeat(2,1fr)}.tips-example figure img{min-height:0}.tips-short__grid>div:last-child{border-top:1px solid #ffffff40;border-left:0;padding:2rem 0 0}.tips-cta__grid>div:last-child{align-items:flex-start}}@media (width<=640px){.tips-hero,.tips-hero__content{min-height:45rem}.tips-hero__veil{background:linear-gradient(#0714104d,#071410f7)}.tips-hero h1{font-size:48px}.tips-hero__meta{flex-direction:column}.tips-calculator__form,.tips-calculator__breakdown,.tips-role-grid,.tips-briefing__list{grid-template-columns:1fr}.tips-range-table{margin-inline:-1rem}.tips-range-table th,.tips-range-table td{min-width:9rem}.tips-example li{grid-template-columns:1fr;gap:.4rem}.tips-calculator__result strong{font-size:40px}}.tips-hero,.tips-hero__content{min-height:min(820px,100svh - 82px)}.tips-hero__veil{background:linear-gradient(90deg,#1f2619f5,#1f2619ab 56%,#1f261921)}.tips-hero h1,.tips-heading h2,.tips-answer h2,.tips-example h2,.tips-process h2,.tips-cash h2,.tips-welfare h2,.tips-short h2,.tips-check h2,.tips-faq h2,.tips-cta h2{font-family:var(--font-heading);font-weight:700}.tips-section{padding:clamp(5.5rem,9vw,8.5rem) 0}.tips-answer{background:var(--color-gold);color:var(--color-text)}.tips-answer__grid>p strong,.tips-answer__grid div p{color:var(--color-text)}.tips-ranges,.tips-process,.tips-briefing,.tips-sources{background:var(--color-greige)}.tips-range-table{border-radius:var(--radius-card);overflow:hidden auto}.tips-range-table thead th{background:var(--color-olive-dark);font-weight:700}.tips-range-table tbody td:nth-child(2){color:var(--color-olive);font-weight:700}.tips-calculator,.tips-cash,.tips-cta{background:var(--color-olive-dark)}.tips-calculator__app{border-radius:var(--radius-card);background:#ffffff0a}.tips-calculator__form,.tips-calculator__breakdown,.tips-role-grid,.tips-briefing__list{background:0 0;gap:1rem}.tips-calculator__form label,.tips-calculator__breakdown span,.tips-role-grid article,.tips-briefing__list li{border-radius:var(--radius-card);background:#ffffff0b;border:1px solid #ffffff24}.tips-calculator__form input,.tips-calculator__form select{border-radius:var(--radius-input)}.tips-calculator__result{border-radius:var(--radius-card);background:var(--color-gold)}.tips-calculator__result p,.tips-calculator__result strong,.tips-calculator__result small{color:var(--color-text)}.tips-example figure img,.tips-process__grid>div:last-child,.tips-welfare__grid>div:last-child{border-radius:var(--radius-card)}.tips-example li{border:1px solid var(--line);border-radius:var(--radius-card);margin-bottom:.75rem;padding:1rem}.tips-example li strong,.tips-briefing__list span{color:var(--color-gold);font-weight:700}.tips-role-grid{background:0 0}.tips-roles,.tips-check{background:var(--color-olive)}.tips-role-grid article{background:var(--color-olive-dark)}.tips-role-grid span{color:var(--color-gold);font-weight:700}.tips-role-grid h3,.tips-process h3,.tips-welfare h3{font-weight:600}.tips-process__grid>div:last-child,.tips-welfare__grid>div:last-child{background:#fff}.tips-cash figure img{border-radius:var(--radius-card)}.tips-short{background:#695334}.tips-briefing__list li{border-color:var(--color-border);background:#fff}.tips-check li{border-radius:var(--radius-card);border:1px solid #ffffff29;margin-bottom:.75rem;padding:1.1rem 1.1rem 1.1rem 2.5rem}.tips-check li:before{color:var(--color-gold);left:.9rem}.tips-faq details{border:1px solid var(--line);border-radius:var(--radius-card);margin-bottom:.75rem;padding:0 1.25rem}.tips-faq details:last-child{border-bottom:1px solid var(--line)}.tips-faq summary:after{color:var(--color-gold)}