:root{--ink:#24262b;--charcoal:#25262a;--navy:#0b1f3a;--red:#c62828;--red2:#a91d21;--muted:#667085;--line:#e5e8ee;--paper:#f4f6f9;--white:#fff;--shade:#f9fafb;--radius:15px;--shadow:0 10px 32px rgba(18,30,44,.07)}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:82px}body{margin:0;background:var(--paper);font-family:Lato,Arial,sans-serif;color:var(--ink);line-height:1.53;font-size:15px}button,input,select,textarea{font:inherit}button{cursor:pointer}a{color:var(--red2);text-underline-offset:3px}a:hover{text-decoration:none}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible{outline:3px solid #e9a4a4;outline-offset:2px}p{margin:0 0 13px}h1,h2,h3,h4{line-height:1.22;margin:0;color:var(--navy)}h1{font-size:clamp(29px,4.4vw,48px);letter-spacing:-1px}h2{font-size:clamp(23px,3vw,31px);letter-spacing:-.45px}h3{font-size:19px}small{font-size:12px}.container{max-width:1200px;padding:0 20px;margin:auto}.topline{height:5px;background:var(--red)}.site-header{background:var(--charcoal);color:#fff}.site-header .container{display:flex;align-items:center;justify-content:space-between;min-height:80px;gap:16px}.brand{display:flex;align-items:center;text-decoration:none;gap:13px;color:#fff;min-width:0}.brand-mark{display:flex;align-items:center;justify-content:center;width:51px;height:51px;border:2.5px solid var(--red);background:#fff;color:var(--navy);font-size:25px;font-weight:900;letter-spacing:-2px;transform:skew(-4deg);flex-shrink:0}.brand-name{font-size:24px;letter-spacing:.4px;line-height:1;color:#f55b61;font-weight:900}.brand-sub{font-size:11px;letter-spacing:1px;line-height:1.45;color:white;font-weight:900}.header-info{font-size:13px;text-align:right;color:#d9dde3}.header-info a{color:#fff;text-decoration:none;font-weight:900;font-size:17px}.crumb{font-size:12px;color:#727b87;margin:23px 0 14px}.crumb a{color:#65717e}.hero{display:grid;grid-template-columns:minmax(0,1.55fr) minmax(275px,.85fr);gap:30px;align-items:center;padding:13px 0 31px}.kicker{font-size:12px;letter-spacing:1.35px;text-transform:uppercase;color:var(--red);font-weight:900;margin-bottom:10px}.hero p{font-size:17px;max-width:740px;color:#4d5a67;margin:16px 0}.hero .quick-points{display:flex;gap:9px;flex-wrap:wrap;margin:17px 0 21px}.pill{display:inline-flex;align-items:center;border:1px solid #d7dee7;border-radius:30px;background:white;padding:7px 12px;font-size:12px;font-weight:800;color:var(--navy)}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:45px;padding:10px 18px;border-radius:8px;border:1px solid transparent;font-weight:900;text-decoration:none;transition:background .15s 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minmax(330px,.93fr);gap:20px;align-items:start}.stack{display:grid;gap:17px}.panel{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);overflow:hidden}.panel-head{padding:20px 22px 15px;border-bottom:1px solid #edf0f4;display:flex;align-items:start;gap:13px}.step{border:1.5px solid #f1cccf;color:var(--red);background:#fff5f5;width:34px;height:34px;border-radius:9px;display:grid;place-items:center;flex-shrink:0;font-weight:900}.panel-head h3{font-size:19px;margin:2px 0 5px}.panel-head p{font-size:13px;color:var(--muted);margin:0}.panel-body{padding:21px 22px 22px}.field-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:15px}.field{min-width:0}.field.wide{grid-column:1/-1}.field label{display:block;font-weight:800;color:#333f4f;font-size:13px;margin-bottom:7px}.field label .optional{color:#8c949e;font-weight:400}.input-wrap{display:flex;align-items:center;border:1px solid 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var(--line);padding:10px;text-align:left;vertical-align:top;font-size:13px}.ref-table th{width:27%;color:var(--navy)}.faq details{border:1px solid #e2e7ef;border-radius:9px;margin:10px 0;background:#fff}.faq summary{font-size:15px;font-weight:900;padding:16px 19px;cursor:pointer;color:var(--navy)}.faq details p{padding:0 19px 16px;margin:0}.advisor-cta{background:#24262b;border-top:5px solid var(--red);border-radius:14px;margin:26px 0;padding:25px;display:flex;align-items:center;gap:22px;color:white}.advisor-cta img{width:125px;height:125px;object-fit:contain;object-position:center bottom;border-radius:12px;background:#fff}.advisor-cta h2{color:#fff}.advisor-cta p{color:#d3d8df}.cta-buttons{display:flex;gap:9px;flex-wrap:wrap}.footer{background:#25262a;color:#d6dce3;padding:27px 0 100px;margin-top:38px;font-size:12px}.footer a{color:white}.footer 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a:hover{background:#34363b}.sr-only{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}.tag-inline{display:inline-block;border-radius:6px;background:#fff4f4;color:#9d2025;font-weight:900;font-size:12px;padding:5px 9px}.notice{color:#626c77;font-size:12px}.source-list{font-size:13px;color:#637080}.source-list li{margin:6px 0}.report-only{display:none}.toast{position:fixed;bottom:86px;right:18px;z-index:90;padding:11px 16px;border-radius:9px;color:white;background:#283443;font-weight:900;box-shadow:var(--shadow);display:none}.error{color:#aa1923;font-weight:900;font-size:12px;display:none;margin-top:7px}
@media(max-width:1050px){.workspace{grid-template-columns:1.18fr .9fr}.hero{grid-template-columns:1fr}.advisor-card{max-width:490px}.below-grid{grid-template-columns:1fr}}@media(max-width:750px){.container{padding:0 13px}.site-header .container{min-height:74px}.brand-mark{width:42px;height:42px;font-size:22px}.brand-name{font-size:18px}.brand-sub{font-size:9px}.header-info{font-size:11px}.header-info a{font-size:13px}.hero{gap:15px}.hero p{font-size:15px}.workspace{display:flex;flex-direction:column}.workspace .stack{width:100%}.result-panel{position:static;width:100%;order:0}.below-grid{grid-template-columns:1fr}.split-story{grid-template-columns:1fr}.panel-head{padding:16px}.panel-body{padding:16px}.editorial{margin-top:19px}.advisor-cta{align-items:start}.sticky-actions .container{padding:0}.sticky-actions button,.sticky-actions a{flex-direction:column;gap:1px;min-height:63px;font-size:9px;text-align:center;padding:5px 2px}.sticky-actions .si{font-size:19px}.sticky-actions span{display:block}.sticky-actions small{display:none}}@media(max-width:480px){.field-grid{grid-template-columns:1fr}.advisor-card img{width:90px;height:115px}.advisor-card h3{font-size:17px}.advisor-card p{font-size:11px}.header-info{display:none}.brand-name{font-size:21px}.hero-actions .btn{flex:1}.metric-split{grid-template-columns:1fr 1fr}.advisor-cta{flex-direction:column}.advisor-cta img{width:95px;height:95px}.stat strong{font-size:18px}}
@media print{#calculator,.topline,.site-header,.crumb,.hero,.workspace,.below-grid,.scenarios,.editorial,.advisor-cta,.footer,.sticky-actions,.toast{display:none!important}body{background:white}.report-only{display:block!important}.report-page{page-break-after:always;break-after:page;position:relative;min-height:260mm;padding:13mm 10mm;color:#29303a}.report-page:last-child{page-break-after:auto;break-after:auto}.print-head{background:#25262a;color:white;padding:15px 21px;border-top:5px solid #c62828;display:flex;justify-content:space-between;align-items:center}.print-head h1{color:white;font-size:24px}.print-head small{color:#ddd}.print-large{font-size:46px;font-weight:900;color:#c62828}.print-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:8px}.print-stats div{border:1px solid #e2e6eb;padding:12px;border-radius:6px}.print-stats b{display:block;font-size:19px}.print-table{width:100%;border-collapse:collapse;font-size:11px}.print-table th,.print-table td{padding:7px;border-bottom:1px solid #dfe3ea;text-align:left}.print-table th{background:#eceff3}.print-foot{margin-top:10px;padding-top:10px;border-top:2px solid #c62828;color:#626975;font-size:11px}}