@font-face{font-family:Manrope;font-style:normal;font-weight:400;font-display:swap;src:url("../fonts/manrope-latin-400.woff2") format("woff2")}@font-face{font-family:Manrope;font-style:normal;font-weight:500;font-display:swap;src:url("../fonts/manrope-latin-500.woff2") format("woff2")}@font-face{font-family:Manrope;font-style:normal;font-weight:600;font-display:swap;src:url("../fonts/manrope-latin-600.woff2") format("woff2")}@font-face{font-family:Manrope;font-style:normal;font-weight:700;font-display:swap;src:url("../fonts/manrope-latin-700.woff2") format("woff2")}:root{--bg:#f7fafc;--surface:#ffffff;--ink:#17212b;--accent:#4bae50;--navy:#173b57;--navy-dark:#122f45;--navy-light:#215275;--muted:#64748b;--line:#e2e8f0;--danger:#b42318;--font:Manrope,ui-sans-serif,system-ui,sans-serif;--radius-sm:6px;--radius-md:8px;--container:72rem}*,*::before,*::after{box-sizing:border-box}html{scroll-behavior:smooth;overflow-x:hidden;-webkit-text-size-adjust:100%;text-size-adjust:100%}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{animation-duration:0.01ms !important;animation-iteration-count:1 !important;transition-duration:0.01ms !important}}body.afh-body{margin:0;min-height:100vh;display:flex;flex-direction:column;overflow-x:hidden;background:var(--bg);color:var(--ink);font-family:var(--font);font-size:16px;line-height:1.6}body.afh-menu-open{overflow:hidden}img{max-width:100%;height:auto}button,a,summary,input,select,textarea{touch-action:manipulation}:focus-visible{outline:2px solid var(--navy);outline-offset:3px}a{color:inherit}.skip-link{position:absolute;left:1rem;top:-3rem;z-index:100;border-radius:var(--radius-sm);background:var(--navy);color:#fff;padding:0.5rem 0.75rem;text-decoration:none}.skip-link:focus{top:1rem}.afh-wrap{width:100%;max-width:var(--container);margin:0 auto;padding-left:max(1rem,env(safe-area-inset-left));padding-right:max(1rem,env(safe-area-inset-right))}@media (min-width:640px){.afh-wrap{padding-left:max(1.5rem,env(safe-area-inset-left));padding-right:max(1.5rem,env(safe-area-inset-right))}}.site-header{position:sticky;top:0;z-index:40;border-bottom:1px solid var(--line);background:var(--surface)}.site-header__bar{display:flex;align-items:center;justify-content:space-between;gap:0.75rem;min-height:64px;height:64px}.afh-logo{display:inline-flex;align-items:center;gap:0.625rem;min-width:0;flex:1 1 auto;color:var(--navy);text-decoration:none;font-size:1.05rem;font-weight:600;letter-spacing:-0.02em;white-space:nowrap}.afh-logo svg{display:block;width:36px;height:36px}.afh-nav{display:none;align-items:center;gap:1.75rem}.afh-nav a{text-decoration:none;font-size:0.875rem;font-weight:500}.afh-nav a:hover{color:var(--navy)}.afh-nav-item{position:relative}.afh-nav-drop{display:none;position:absolute;top:100%;left:50%;transform:translateX(-50%);min-width:12rem;padding:0.5rem;border:1px solid var(--line);border-radius:var(--radius-sm);background:var(--surface);box-shadow:0 10px 24px rgba(23,59,87,0.08)}.afh-nav-item:hover .afh-nav-drop,.afh-nav-item:focus-within .afh-nav-drop{display:block}.afh-nav-drop a{display:block;padding:0.55rem 0.75rem;border-radius:0.3rem;white-space:nowrap}.afh-nav-drop a:hover{background:var(--bg)}.afh-btn--light{background:#fff;color:var(--navy)}.afh-btn--light:hover{background:var(--bg)}.afh-cat{margin:0 0 2.5rem}.afh-cat h2{margin-bottom:1rem}.afh-popular-note,.afh-view-all{margin:0.75rem 0 0}.afh-cta-row{display:flex;flex-wrap:wrap;gap:0.75rem;margin-top:1rem}.afh-cta-row .afh-btn{width:100%}@media (min-width:640px){.afh-cta-row .afh-btn{width:auto}}.afh-header-tools{display:none;align-items:center;gap:0.75rem;flex:0 0 auto}.afh-header-cta{display:none}.afh-search{display:flex;align-items:center;gap:0;min-width:0;max-width:14rem;height:40px;border:1px solid var(--line);border-radius:var(--radius-sm);background:var(--bg);overflow:hidden}.afh-search input[type="search"]{flex:1 1 auto;min-width:0;height:100%;margin:0;padding:0 0.75rem;border:0;background:transparent;color:var(--ink);font:inherit;font-size:0.875rem;outline:none}.afh-search input[type="search"]::-webkit-search-decoration,.afh-search input[type="search"]::-webkit-search-cancel-button{-webkit-appearance:none}.afh-search button{display:inline-flex;align-items:center;justify-content:center;flex:0 0 auto;width:40px;height:100%;margin:0;padding:0;border:0;border-left:1px solid var(--line);background:transparent;color:var(--navy);cursor:pointer}.afh-search button:hover{background:var(--surface)}.afh-search--mobile{max-width:none;width:100%;height:44px;margin:0.35rem 0 0.85rem}.afh-search--page{max-width:36rem;width:100%;height:48px;margin:1.25rem 0 1.5rem}.afh-search--page .afh-btn,.afh-search--page button[type="submit"]{flex:0 0 auto;width:auto;min-width:5.5rem;height:100%;min-height:0;border-radius:0;border-left:1px solid var(--line);padding:0 1.25rem;white-space:nowrap;font-size:0.9375rem;font-weight:600}.afh-search--page .afh-btn:hover,.afh-search--page button[type="submit"]:hover{background:var(--navy);color:#fff}.screen-reader-text{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.afh-page--narrow{max-width:48rem}.afh-search-count{margin:0 0 1rem;color:var(--muted);font-size:0.875rem}.afh-search-results{display:grid;gap:0.75rem}.afh-search-hit{display:block;padding:1rem 1.1rem;border:1px solid var(--line);border-radius:var(--radius-sm);background:var(--surface);text-decoration:none;color:inherit}.afh-search-hit:hover{border-color:color-mix(in srgb,var(--navy) 35%,var(--line));background:var(--bg)}.afh-search-hit__badge{display:inline-block;margin-bottom:0.35rem;padding:0.15rem 0.45rem;border-radius:0.25rem;background:color-mix(in srgb,var(--navy) 10%,var(--bg));color:var(--navy);font-size:0.7rem;font-weight:700;letter-spacing:0.04em;text-transform:uppercase}.afh-search-hit h2{margin:0 0 0.35rem;font-size:1.05rem;line-height:1.35}.afh-search-hit p{margin:0;color:var(--muted);font-size:0.9rem;line-height:1.5}.afh-search-empty{margin:0 0 1.25rem}.afh-search-popular h2{margin:0 0 0.75rem;font-size:1.1rem}.afh-pagination,.navigation.pagination{margin-top:1.75rem}.afh-pagination .nav-links,.navigation.pagination .nav-links{display:flex;flex-wrap:wrap;gap:0.5rem}.afh-pagination a,.afh-pagination span,.navigation.pagination a,.navigation.pagination span{display:inline-flex;align-items:center;justify-content:center;min-width:2.25rem;min-height:2.25rem;padding:0.35rem 0.65rem;border:1px solid var(--line);border-radius:var(--radius-sm);text-decoration:none;font-size:0.875rem;font-weight:600}.afh-pagination .current,.navigation.pagination .current{background:var(--navy);border-color:var(--navy);color:#fff}.afh-nav-mobile{position:static;flex:0 0 auto}.afh-nav-mobile summary{list-style:none;display:flex;align-items:center;justify-content:center;width:44px;height:44px;margin-right:-0.35rem;border-radius:var(--radius-sm);color:var(--navy);cursor:pointer}.afh-nav-mobile summary::-webkit-details-marker,.afh-nav-mobile summary::marker{display:none;content:""}.afh-nav-mobile__x{display:none}.afh-nav-mobile[open] .afh-nav-mobile__bars{display:none}.afh-nav-mobile[open] .afh-nav-mobile__x{display:block}.afh-nav-mobile:not([open]) .afh-nav-mobile__panel,.afh-nav-mobile:not([open]) .afh-nav-mobile__scrim{display:none}.afh-nav-mobile__scrim{display:none}.afh-nav-mobile[open] .afh-nav-mobile__scrim{display:block;position:fixed;inset:64px 0 0 0;z-index:45;background:rgba(23,59,87,0.34)}.afh-nav-mobile__panel{position:fixed;left:0;right:0;top:64px;z-index:46;width:100%;max-height:calc(100dvh - 64px - env(safe-area-inset-bottom,0px));overflow:auto;padding:0.65rem max(1rem,env(safe-area-inset-right)) calc(1.25rem + env(safe-area-inset-bottom,0px)) max(1rem,env(safe-area-inset-left));border:0;border-bottom:1px solid var(--line);border-radius:0;background:var(--surface);box-shadow:0 16px 32px rgba(23,59,87,0.12)}.afh-nav-mobile__panel a{display:block;padding:0.85rem 0.75rem;border-radius:var(--radius-sm);text-decoration:none;font-weight:600}.afh-nav-mobile__panel a:hover{background:var(--bg)}.afh-nav-mobile__sub{display:grid;grid-template-columns:1fr;gap:0.1rem;margin:0 0 0.35rem;padding:0 0.25rem 0.35rem 0.9rem}.afh-nav-mobile__sub a{padding:0.55rem 0.5rem;color:var(--muted);font-size:0.875rem;font-weight:500}.afh-nav-mobile__panel .afh-btn{margin-top:0.5rem}@media (min-width:960px){.afh-nav,.afh-header-tools,.afh-header-cta{display:flex}.afh-logo{flex:0 0 auto}.afh-nav-mobile{display:none}}.afh-btn{display:inline-flex;align-items:center;justify-content:center;gap:0.5rem;min-height:44px;padding:0 1.25rem;border-radius:var(--radius-sm);border:1px solid var(--navy);background:var(--navy);color:#fff;font:inherit;font-size:0.875rem;font-weight:600;text-decoration:none;cursor:pointer}.afh-btn:hover{background:var(--navy-dark)}.afh-btn--lg{min-height:48px;padding:0 1.5rem;font-size:1rem}.afh-btn--secondary{background:#fff;color:var(--navy)}.afh-btn--secondary:hover{background:var(--bg)}.afh-btn--block{width:100%}main#main{flex:1}.afh-hero{border-bottom:1px solid var(--line);background:var(--surface)}.afh-hero__grid{display:grid;gap:1.5rem;padding-top:2rem;padding-bottom:2rem;align-items:center}@media (min-width:1024px){.afh-hero__grid{grid-template-columns:1fr 1fr;gap:4rem;padding-top:4rem;padding-bottom:4rem}}.afh-kicker{margin:0;color:var(--accent);font-size:0.875rem;font-weight:600;letter-spacing:0.04em;text-transform:uppercase}.afh-hero h1,.afh-page h1,.afh-404 h1{margin:0.75rem 0 0;color:var(--navy);font-size:clamp(1.75rem,7vw,3rem);font-weight:700;letter-spacing:-0.03em;line-height:1.12;overflow-wrap:break-word}.afh-lead{margin:1rem 0 0;max-width:36rem;color:var(--muted);font-size:1.0625rem;line-height:1.7}.afh-hero__note{margin:0.75rem 0 0;max-width:36rem}.afh-hero__actions{display:flex;flex-direction:column;gap:0.75rem;margin-top:1.5rem}.afh-hero__actions .afh-btn{width:100%}@media (min-width:640px){.afh-hero__actions{flex-direction:row}.afh-hero__actions .afh-btn{width:auto}}.afh-hero__meta{margin:1.5rem 0 0;color:var(--muted);font-size:0.875rem}.afh-example{border:1px solid var(--line);border-radius:var(--radius-md);background:var(--bg);padding:1.5rem}.afh-example p{margin:0}.afh-example__label{color:var(--muted);font-size:0.875rem;font-weight:500}.afh-example__sub{margin-top:1rem}.afh-example__value{margin-top:0.5rem;color:var(--navy);font-size:1.875rem;font-weight:600;letter-spacing:-0.03em;line-height:1.15}.afh-example__caption,.afh-example__fine{margin-top:0.25rem;color:var(--muted);font-size:0.875rem}.afh-example__fine{margin-top:1rem;font-size:0.75rem;line-height:1.5}.afh-example a{display:inline-flex;align-items:center;gap:0.25rem;margin-top:1.25rem;color:var(--navy);font-size:0.875rem;font-weight:600;text-decoration:none}.afh-example a:hover{text-decoration:underline}.afh-section{padding:2.25rem 0}.afh-section--white{background:var(--surface);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.afh-split{display:grid;grid-template-columns:minmax(0,1fr);gap:2rem}@media (min-width:768px){.afh-split{grid-template-columns:repeat(2,minmax(0,1fr));gap:2.5rem}}.afh-split h2{margin:0;color:var(--navy);font-size:clamp(1.35rem,2.5vw,1.65rem)}.afh-split > div > p{margin:0.75rem 0 0;color:var(--muted);max-width:36rem}.afh-check-list{margin:1rem 0 1.25rem;padding:0;list-style:none}.afh-check-list li{position:relative;padding:0.35rem 0 0.35rem 1.35rem;color:var(--ink)}.afh-check-list li::before{content:"";position:absolute;left:0;top:0.7rem;width:0.5rem;height:0.5rem;border-radius:50%;background:var(--accent)}.afh-fineprint{margin:1.25rem 0 0;max-width:42rem;font-size:0.875rem;color:var(--muted)}.afh-section h2,.afh-block h2{margin:0;color:var(--navy);font-size:clamp(1.5rem,3vw,1.875rem);font-weight:700;line-height:1.2}.afh-section > .afh-wrap > p,.afh-intro{margin:0.75rem 0 0;max-width:42rem;color:var(--muted)}.afh-grid-4,.afh-grid-3,.afh-grid-2,.afh-cards,.afh-calcs{display:grid;grid-template-columns:minmax(0,1fr);gap:1rem;margin-top:1.5rem}@media (min-width:640px){.afh-section{padding:3.5rem 0}.afh-grid-4,.afh-grid-3,.afh-grid-2,.afh-cards,.afh-calcs{gap:1.25rem;margin-top:2rem}.afh-grid-4,.afh-grid-2,.afh-calcs{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (min-width:768px){.afh-grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}}@media (min-width:1024px){.afh-grid-4{grid-template-columns:repeat(4,minmax(0,1fr))}.afh-calcs{grid-template-columns:repeat(3,minmax(0,1fr))}}.afh-card,.afh-reason,.afh-step{display:flex;flex-direction:column;height:100%;border:1px solid var(--line);border-radius:var(--radius-md);background:var(--surface);padding:1.25rem}.afh-section--white .afh-reason{background:var(--bg)}.afh-card h3,.afh-reason h3,.afh-step h3{margin:0.85rem 0 0;font-size:1.125rem;font-weight:600}.afh-reason h3{margin-top:1rem}.afh-card p,.afh-reason p,.afh-step p:not(.afh-step-num){margin:0.5rem 0 0;color:var(--muted);font-size:0.875rem;line-height:1.6;flex:1 1 auto}.afh-reason__link{display:inline-flex;align-items:center;gap:0.25rem;margin-top:1rem;color:var(--navy);font-size:0.875rem;font-weight:600;text-decoration:none}.afh-reason__link:hover{text-decoration:underline}.afh-reason .afh-icon{background:rgba(75,174,80,0.12);color:#2f6f34}.afh-card p{flex:1 1 auto}.afh-card .afh-btn{width:100%;margin-top:1.25rem}.afh-card p{flex:1 1 auto}.afh-card .afh-btn{width:100%;margin-top:1.25rem}.afh-card h3 a,.afh-resource-link h3,.afh-resource-link{color:var(--ink);text-decoration:none}.afh-card h3 a:hover{color:var(--navy)}.afh-icon{display:flex;align-items:center;justify-content:center;width:44px;height:44px;border-radius:var(--radius-sm);background:var(--bg);color:var(--navy)}.afh-icon svg{width:20px;height:20px}.afh-step-num{display:inline-flex;align-items:center;justify-content:center;width:2rem;height:2rem;margin:0;border-radius:999px;background:var(--navy);color:#fff;font-size:0.8125rem;font-weight:700;line-height:1}.afh-step h3{margin-top:0.85rem}.afh-resource-link{display:flex;flex-direction:column;height:100%;border:1px solid var(--line);border-radius:var(--radius-md);background:var(--surface);padding:1.25rem;text-decoration:none}.afh-resource-link:hover{border-color:var(--navy)}.afh-resource-link p{margin:0.5rem 0 0;color:var(--muted);font-size:0.875rem;line-height:1.6;flex:1 1 auto}.afh-resource-link .afh-mins{margin-top:0.75rem;color:var(--navy);font-size:0.875rem;font-weight:500;flex:0 0 auto}.afh-cta{border-radius:var(--radius-md);background:var(--navy);color:#fff;padding:2.5rem 1.5rem}@media (min-width:640px){.afh-cta{padding:2.5rem}}.afh-cta h2{color:#fff}.afh-cta p{margin:0.5rem 0 0;max-width:36rem;color:rgba(255,255,255,0.8)}.afh-cta .afh-btn{margin-top:1.5rem}.afh-page{padding:1.5rem 0 3rem}@media (min-width:640px){.afh-page{padding:2.5rem 0 4rem}}.afh-page--calc{margin:0 auto}.afh-crumbs{display:flex;flex-wrap:wrap;gap:0.4rem;margin:0;padding:0;list-style:none;font-size:0.875rem;color:var(--muted)}.afh-crumbs a{color:var(--muted);text-decoration:none}.afh-crumbs a:hover{color:var(--navy);text-decoration:underline}.afh-page .afh-lead,.afh-page > p.afh-intro{margin-top:0.75rem}.afh-page .afh-wrap > .afh-lead,.afh-page--directory .afh-lead{max-width:none}.article-prose{margin-top:1.5rem;color:var(--ink);font-size:1.0625rem;line-height:1.75}.article-prose h2{margin:2.25rem 0 0.75rem;color:var(--navy);font-size:1.5rem;line-height:1.3;font-weight:700}.article-prose h3{margin:1.5rem 0 0.5rem;color:var(--navy);font-size:1.125rem;font-weight:700}.article-prose p,.article-prose ul{margin:0 0 1rem}.article-prose ul{padding-left:1.25rem}.article-prose li{margin-bottom:0.4rem}.article-prose a{color:var(--navy);text-underline-offset:3px}.article-prose a:hover{color:var(--navy-light)}.afh-gutenberg > .wp-block-paragraph:first-child,.afh-gutenberg > p:first-of-type{margin:1rem 0 0;max-width:none;color:var(--muted);font-size:1.0625rem;line-height:1.7}.afh-gutenberg .wp-block-heading,.afh-gutenberg h2,.afh-gutenberg h3{color:var(--navy)}.afh-gutenberg .wp-block-list,.afh-gutenberg ul,.afh-gutenberg ol{margin:0 0 1rem;padding-left:1.25rem}.afh-gutenberg li{margin-bottom:0.45rem}.afh-gutenberg .wp-block-table,.article-prose .wp-block-table{margin:1.25rem 0 1.75rem;overflow-x:auto}.article-prose table,.afh-gutenberg table{width:100%;min-width:28rem;border-collapse:collapse;margin:0;font-size:0.9375rem;line-height:1.5;background:var(--surface)}.article-prose th,.article-prose td,.afh-gutenberg th,.afh-gutenberg td{border:1px solid var(--line);padding:0.7rem 0.85rem;text-align:left;vertical-align:top}.article-prose thead th,.article-prose tr:first-child th,.afh-gutenberg thead th,.afh-gutenberg tr:first-child th{background:color-mix(in srgb,var(--navy) 9%,var(--bg));color:var(--navy);font-weight:700}.article-prose tbody tr:nth-child(even),.afh-gutenberg tbody tr:nth-child(even){background:color-mix(in srgb,var(--bg) 70%,#fff)}.afh-gutenberg--calc > .wp-block-paragraph:first-child,.afh-gutenberg--calc > p:first-of-type{margin-bottom:1.25rem}.afh-gutenberg .afh-calc,.afh-gutenberg .afh-calc-wrap{margin-top:0.5rem}.afh-gutenberg .wp-block-heading + .wp-block-paragraph strong:first-child,.afh-gutenberg h2 + p strong:first-child{color:var(--navy)}.afh-calc input[type="number"]{line-height:1.5;height:auto;min-height:2.75em;padding-top:0.5em;padding-bottom:0.5em}.afh-faq{margin-top:3rem}.afh-faq h2,.afh-related h2,.afh-how h2{font-size:1.25rem}.afh-faq-list{margin-top:1rem;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.afh-faq-list details{border-bottom:1px solid var(--line);padding:0.75rem 0}.afh-faq-list details:last-child{border-bottom:0}.afh-faq-list summary{position:relative;display:flex;align-items:center;min-height:44px;cursor:pointer;font-weight:500;padding:0.35rem 2rem 0.35rem 0}.afh-faq-list summary::-webkit-details-marker,.afh-faq-list summary::marker{display:none;content:""}.afh-faq-list summary::after{content:"";position:absolute;right:0.15rem;width:0.45rem;height:0.45rem;border-right:2px solid var(--navy);border-bottom:2px solid var(--navy);transform:rotate(45deg);transition:transform 0.15s ease}.afh-faq-list details[open] summary::after{transform:rotate(-135deg)}.afh-faq-list p{margin:0.5rem 0 0;max-width:48rem;color:var(--muted);font-size:0.875rem;line-height:1.6}.afh-how,.afh-assumptions,.afh-example-copy,.afh-related,.afh-disclaimer,.afh-related-box{margin-top:2.5rem}.afh-how ol,.afh-assumptions ul{margin:1rem 0 0;padding-left:1.25rem;font-size:0.875rem;line-height:1.6}.afh-how li,.afh-assumptions li{margin-bottom:0.5rem}.afh-related ul{display:grid;gap:1rem;margin:1rem 0 0;padding:0;list-style:none}@media (min-width:640px){.afh-related ul{grid-template-columns:1fr 1fr}}.afh-related a{display:block;height:100%;border:1px solid var(--line);border-radius:var(--radius-md);background:var(--surface);padding:1rem;text-decoration:none}.afh-related a:hover{border-color:var(--navy)}.afh-related strong{display:block}.afh-related span{display:block;margin-top:0.25rem;color:var(--muted);font-size:0.875rem}.afh-related-all{margin-top:1rem}.afh-related-all a,.afh-inline-link{color:var(--navy);font-size:0.875rem;font-weight:600;text-decoration:none}.afh-related-all a:hover,.afh-inline-link:hover{text-decoration:underline}.afh-disclaimer{border:1px solid var(--line);border-radius:var(--radius-sm);background:var(--bg);padding:1rem;color:var(--muted);font-size:0.875rem;line-height:1.6}.afh-disclaimer strong{color:var(--ink)}.afh-related-box{border:1px solid var(--line);border-radius:var(--radius-md);background:var(--surface);padding:1.25rem}.afh-related-box p{margin:0.25rem 0 0;color:var(--muted);font-size:0.875rem}.afh-related-box .afh-btn{margin-top:1rem}.afh-form{display:grid;gap:1rem;margin-top:2rem}.afh-form label{display:block;margin-bottom:0.35rem;font-size:0.875rem;font-weight:500}.afh-form input,.afh-form textarea{width:100%;border:1px solid var(--line);border-radius:var(--radius-sm);padding:0.75rem;font:inherit;background:#fff}.afh-form input{height:48px}.afh-hp{position:absolute;left:-9999px;height:0;overflow:hidden}.afh-form-status{margin:0;font-size:0.875rem}.afh-form-status--ok{color:#3d9342}.afh-form-status--err{color:var(--danger)}.afh-404{margin:0 auto;padding:5rem 0;text-align:center}.afh-404 .afh-kicker{font-weight:600}.afh-404 .afh-lead{margin-left:auto;margin-right:auto}.afh-404__actions{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:0.75rem;margin-top:2rem}@media (min-width:640px){.afh-404__actions{flex-direction:row}}.site-footer{margin-top:auto;border-top:1px solid var(--line);background:var(--navy);color:#fff}.site-footer__grid{display:grid;gap:2rem;padding-top:2.25rem;padding-bottom:2.25rem}@media (min-width:640px){.site-footer__grid{grid-template-columns:1fr 1fr;gap:2.5rem;padding-top:3rem;padding-bottom:3rem}}@media (min-width:1024px){.site-footer__grid{grid-template-columns:repeat(4,1fr)}}.site-footer .afh-logo{color:#fff;flex:0 0 auto}.site-footer p{margin:1rem 0 0;max-width:20rem;color:rgba(255,255,255,0.8);font-size:0.875rem;line-height:1.6}.site-footer h2{margin:0;color:rgba(255,255,255,0.7);font-size:0.875rem;font-weight:600;letter-spacing:0.04em;text-transform:uppercase}.site-footer ul{margin:0.75rem 0 0;padding:0;list-style:none;font-size:0.875rem}.site-footer li + li{margin-top:0.5rem}.site-footer a{color:#fff;text-decoration:none}.site-footer a:hover{text-decoration:underline}.site-footer__legal{border-top:1px solid rgba(255,255,255,0.1)}.site-footer__legal .afh-wrap{padding-top:1.5rem;padding-bottom:1.5rem}.site-footer__legal p{max-width:56rem;margin:0;color:rgba(255,255,255,0.7);font-size:0.75rem;line-height:1.5}.site-footer__copy{margin-top:0.75rem !important;color:rgba(255,255,255,0.5) !important}.afh-calc{margin-top:2rem}.afh-dir-bar{margin-top:1.25rem;border:1px solid var(--line);border-radius:var(--radius-md);background:var(--surface);padding:0.9rem}.afh-dir-bar__fields{display:grid;gap:0.65rem;grid-template-columns:1fr}.afh-dir-field{display:grid;gap:0.3rem;margin:0;min-width:0}.afh-dir-field span{font-size:0.75rem;font-weight:600;letter-spacing:0.03em;text-transform:uppercase;color:var(--muted)}.afh-dir-field input,.afh-dir-field select{width:100%;height:44px;border:1px solid var(--line);border-radius:var(--radius-sm);padding:0 0.7rem;font:inherit;font-size:16px;background:#fff;color:var(--ink)}.afh-dir-field--go{display:flex;align-items:flex-end}.afh-dir-field--go .afh-btn{width:100%;height:44px}.afh-dir-bar__checks{display:flex;flex-wrap:wrap;align-items:center;gap:0.75rem 1.1rem;margin-top:0.75rem;padding-top:0.75rem;border-top:1px solid var(--line)}.afh-dir-check{display:inline-flex;align-items:center;gap:0.4rem;margin:0;font-size:0.875rem;font-weight:500;color:var(--ink)}.afh-dir-check input{margin:0}.afh-dir-reset{margin-left:auto;font-size:0.8125rem;color:var(--muted)}.afh-dir-meta{display:flex;flex-wrap:wrap;align-items:baseline;justify-content:space-between;gap:0.35rem 1.25rem;margin:1rem 0}.afh-dir-count,.afh-dir-source{margin:0;font-size:0.8125rem;color:var(--muted);line-height:1.5}.afh-dir-count{font-size:0.9375rem;color:var(--ink);font-weight:600}.afh-dir-grid{display:grid;gap:1rem}@media (min-width:640px){.afh-dir-bar__fields{grid-template-columns:1fr 1fr}.afh-dir-field--q,.afh-dir-field--go{grid-column:1 / -1}.afh-dir-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (min-width:1080px){.afh-dir-bar__fields{grid-template-columns:minmax(13rem,1.7fr) minmax(8rem,0.9fr) minmax(8rem,0.9fr) 7.25rem minmax(9rem,1fr) auto;align-items:end}.afh-dir-field--q,.afh-dir-field--go{grid-column:auto}.afh-dir-field--go .afh-btn{width:auto;min-width:6.5rem;padding-left:1.1rem;padding-right:1.1rem}.afh-dir-grid{grid-template-columns:repeat(3,minmax(0,1fr))}}.afh-dir-card,.afh-dir-detail{display:flex;flex-direction:column;height:100%;border:1px solid var(--line);border-radius:var(--radius-md);background:var(--surface);padding:1.05rem 1.1rem 1.1rem}.afh-dir-card h3,.afh-dir-detail h1,.afh-dir-detail h2{margin:0.25rem 0 0.5rem;font-size:1.125rem}.afh-body--dir-detail .afh-page .afh-wrap > h1,.afh-body--dir-detail .afh-faq{display:none}.afh-dir-related{margin:0.85rem 0 0;color:var(--muted);font-size:0.9375rem;line-height:1.55}.afh-dir-card h3 a{color:inherit;text-decoration:none}.afh-dir-card h3 a:hover{color:var(--navy)}.afh-dir-card p,.afh-dir-detail > p{margin:0;color:var(--muted);font-size:0.9375rem;line-height:1.5}.afh-dir-card__meta{margin:0;color:var(--accent);font-size:0.75rem;font-weight:600;text-transform:uppercase;letter-spacing:0.04em}.afh-dir-facts{display:flex;flex-wrap:wrap;gap:0.35rem 1rem;margin:0.75rem 0 0;padding:0;list-style:none;color:var(--ink);font-size:0.875rem}.afh-dir-facts a{color:var(--navy)}.afh-dir-tags{display:flex;flex-wrap:wrap;gap:0.4rem;margin-top:0.85rem}.afh-dir-tag{display:inline-flex;align-items:center;border:1px solid var(--line);border-radius:999px;background:var(--bg);padding:0.2rem 0.6rem;color:var(--navy);font-size:0.75rem;font-weight:600}.afh-dir-tag--yes{border-color:rgba(75,174,80,0.35);background:rgba(75,174,80,0.12);color:#2f6f34}.afh-dir-actions{display:flex;flex-wrap:wrap;gap:0.5rem;margin-top:auto;padding-top:1rem}.afh-dir-actions .afh-btn{width:auto;flex:1 1 auto;min-width:5.5rem;text-align:center}.afh-dir-guide{display:grid;gap:1rem;margin-top:3.25rem;padding-top:2.25rem;border-top:1px solid var(--line)}.afh-dir-guide__grid{display:grid;gap:1rem}.afh-dir-guide__intro,.afh-dir-guide__steps,.afh-dir-guide__grid article{display:flex;flex-direction:column;height:100%;border:1px solid var(--line);border-radius:var(--radius-md);background:var(--surface);padding:1.15rem 1.2rem 1.25rem}.afh-dir-guide h2{margin:0 0 0.55rem;color:var(--navy);font-size:1.05rem;line-height:1.35}.afh-dir-guide p,.afh-dir-guide ol{margin:0;color:var(--muted);font-size:0.9375rem;line-height:1.6}.afh-dir-guide ol{padding-left:1.2rem}.afh-dir-guide li + li{margin-top:0.35rem}.afh-dir-guide__steps p{margin-top:0.75rem}.afh-dir-guide a{color:var(--navy)}@media (min-width:640px){.afh-dir-guide__grid{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (min-width:1080px){.afh-dir-guide__grid{grid-template-columns:repeat(3,minmax(0,1fr))}}.afh-faq--cards{margin-top:3.25rem;padding-top:2.25rem;border-top:1px solid var(--line)}.afh-section .afh-faq{margin-top:0}.afh-section .afh-faq--cards{margin-top:0;padding-top:0;border-top:0}.afh-faq--cards h2{font-size:1.5rem}.afh-faq--cards .afh-faq-list{display:grid;gap:0.75rem;margin-top:1.15rem;border:0}@media (min-width:800px){.afh-faq--cards .afh-faq-list{grid-template-columns:1fr 1fr;align-items:start}}.afh-faq--cards .afh-faq-list details{border:1px solid var(--line);border-radius:var(--radius-md);background:var(--surface);padding:0}.afh-faq--cards .afh-faq-list details:last-child{border-bottom:1px solid var(--line)}.afh-faq--cards .afh-faq-list summary{padding:0.95rem 2.5rem 0.95rem 1.1rem;list-style:none}.afh-faq--cards .afh-faq-list summary::after{right:1.15rem}.afh-faq--cards .afh-faq-list summary::-webkit-details-marker{display:none}.afh-faq--cards details[open] summary{border-bottom:1px solid var(--line)}.afh-faq--cards .afh-faq-list p{padding:0.75rem 1.1rem 1rem;max-width:none}.afh-dir-pager{display:flex;align-items:center;justify-content:space-between;gap:1rem;margin-top:1.5rem}.afh-dir-dl{display:grid;gap:0.85rem;margin:1.25rem 0}.afh-dir-dl div{border-top:1px solid var(--line);padding-top:0.75rem}.afh-dir-dl dt{margin:0;color:var(--muted);font-size:0.75rem;font-weight:600;text-transform:uppercase;letter-spacing:0.04em}.afh-dir-dl dd{margin:0.2rem 0 0}.afh-dir-note{margin:0 0 1rem !important}.afh-dir-pager a{display:inline-flex;align-items:center;justify-content:center;min-height:44px;padding:0 1rem;border:1px solid var(--line);border-radius:var(--radius-sm);background:var(--surface);color:var(--navy);font-weight:600;text-decoration:none}.afh-dir-pager span{color:var(--muted);font-size:0.875rem}@media (max-width:639px){.afh-example{padding:1.15rem}.afh-example__value{font-size:1.6rem}.afh-cta{padding:1.75rem 1.15rem}.afh-dir-reset{margin-left:0;width:100%}.afh-dir-pager{flex-wrap:wrap}.afh-dir-pager a{flex:1 1 calc(50% - 0.5rem)}.afh-dir-pager span{width:100%;order:-1;text-align:center}.afh-dir-actions .afh-btn{min-height:44px}.afh-form input,.afh-form textarea,.afh-form select{font-size:16px}.site-header{padding-top:env(safe-area-inset-top)}.afh-nav-mobile[open] .afh-nav-mobile__scrim,.afh-nav-mobile__panel{top:calc(64px + env(safe-area-inset-top,0px))}.afh-nav-mobile[open] .afh-nav-mobile__scrim{inset:calc(64px + env(safe-area-inset-top,0px)) 0 0 0}.afh-nav-mobile__panel{max-height:calc(100dvh - 64px - env(safe-area-inset-top,0px) - env(safe-area-inset-bottom,0px))}}@media print{.no-print,.site-header,.site-footer{display:none !important}}