:root{
  --charcoal:#20262c; --charcoal2:#2c333a; --red:#c91f36; --ink:#18212b; --muted:#657181;
  --line:#dfe5ec; --soft:#f5f7fa; --soft2:#eef2f6; --white:#fff; --blue:#275f99;
  --green:#26734d; --shadow:0 12px 34px rgba(22,33,43,.09); --radius:18px;
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Lato,Arial,sans-serif;background:#f1f4f7;color:var(--ink);font-size:12px;line-height:1.48;padding-bottom:76px}button,input,select,textarea{font:inherit}button{touch-action:manipulation}a{color:var(--blue)}
.wrap{max-width:1220px;margin:auto;padding:0 16px}.top{background:var(--charcoal);color:#fff;border-top:4px solid var(--red);box-shadow:0 3px 16px rgba(0,0,0,.13)}.topin{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:18px}.brand{display:flex;align-items:center;gap:13px;min-width:0}.logo{width:49px;height:49px;border-radius:13px;background:#fff;color:var(--charcoal);font-size:20px;font-weight:900;display:grid;place-items:center;position:relative;overflow:hidden}.logo:after{content:"";position:absolute;left:0;right:0;bottom:0;height:5px;background:var(--red)}.brandtxt strong{font-size:19px;display:block;line-height:1}.brandtxt span{font-size:10.5px;color:#ccd4db}.topactions{display:flex;gap:8px;flex-wrap:wrap;justify-content:flex-end}
.btn{border:0;border-radius:11px;padding:10px 14px;min-height:40px;font-weight:900;cursor:pointer;display:inline-flex;align-items:center;justify-content:center;gap:7px;text-decoration:none;transition:.15s}.btn:hover{transform:translateY(-1px);filter:brightness(.98)}.btn-red{background:var(--red);color:#fff}.btn-dark{background:#fff;color:var(--charcoal)}.btn-soft{background:#edf1f5;color:var(--charcoal);border:1px solid #d7dfe7}.btn-blue{background:var(--blue);color:#fff}
.hero{background:linear-gradient(135deg,#20262c 0%,#303941 100%);color:#fff;padding:30px 0 32px}.hero-grid{display:grid;grid-template-columns:1.35fr .65fr;gap:24px;align-items:center}.kicker{font-size:10.5px;letter-spacing:.14em;text-transform:uppercase;font-weight:900;color:#e8b7c0}.hero h1{font-size:31px;line-height:1.08;letter-spacing:-.03em;margin:7px 0 10px}.hero p{font-size:13px;color:#d8dde2;max-width:790px;margin:0}.hero-card{background:#fff;color:var(--ink);border-radius:16px;padding:16px;box-shadow:var(--shadow)}.hero-card small{color:var(--muted)}.hero-card .big{font-size:29px;font-weight:900;color:var(--charcoal);line-height:1.05;margin:3px 0}.hero-card .meta{font-size:11px;color:#5b6876}
.main{padding:20px 0 34px}.layout{display:grid;grid-template-columns:410px 1fr;gap:18px;align-items:start}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);overflow:hidden}.cardhead{padding:15px 17px;border-bottom:1px solid var(--line);display:flex;align-items:center;justify-content:space-between;gap:12px}.cardhead h2,.cardhead h3{margin:0;color:var(--charcoal);font-size:17px}.cardbody{padding:17px}.sticky{position:sticky;top:12px}.section-label{font-size:10px;font-weight:900;letter-spacing:.11em;text-transform:uppercase;color:var(--red);margin:5px 0 10px}.field{margin-bottom:12px}.field label{display:flex;align-items:center;gap:5px;font-weight:900;color:#28333d;margin-bottom:5px}.input,.select{width:100%;border:1px solid #cbd5df;background:#fff;border-radius:10px;padding:10px 12px;min-height:43px;outline:none;font-size:13px;color:#17222d}.input:focus,.select:focus{border-color:#7a8da0;box-shadow:0 0 0 3px rgba(39,95,153,.09)}.grid2{display:grid;grid-template-columns:1fr 1fr;gap:10px}.money{position:relative}.money:before{content:'$';position:absolute;left:12px;top:50%;transform:translateY(-50%);font-weight:900;color:#617080}.money input{padding-left:26px}.suffix{position:relative}.suffix:after{content:attr(data-suffix);position:absolute;right:11px;top:50%;transform:translateY(-50%);font-weight:900;color:#6f7c8b;pointer-events:none}.suffix input{padding-right:34px}.help{width:18px;height:18px;border:0;border-radius:50%;background:#e9edf1;color:var(--charcoal);font-weight:900;cursor:pointer;padding:0}.hint{font-size:10px;color:#6f7b88;margin-top:4px}.readonly{background:#f3f5f7!important;color:var(--charcoal)!important;font-weight:900}.note{border-left:4px solid var(--blue);background:#f3f7fb;padding:10px 11px;border-radius:8px;color:#435160}.note.red{border-left-color:var(--red);background:#fff5f7}.note.green{border-left-color:var(--green);background:#f3faf6}.seg{display:grid;gap:7px}.seg.ratio{grid-template-columns:repeat(3,1fr)}.seg.period{grid-template-columns:repeat(3,1fr)}.seg.mode{grid-template-columns:1fr 1fr}.seg.pattern{grid-template-columns:repeat(2,1fr)}.segbtn{border:1px solid #ccd6df;background:#fff;color:var(--charcoal);border-radius:11px;padding:9px 6px;min-height:48px;font-weight:900;cursor:pointer}.segbtn small{display:block;color:#7a8795;font-size:9px;font-weight:700;margin-top:2px}.segbtn.active{background:var(--charcoal);color:#fff;border-color:var(--charcoal);box-shadow:0 4px 12px rgba(32,38,44,.16)}.segbtn.active small{color:#d9dfe4}.auto{border:1px solid #dce3ea;background:#f8fafc;border-radius:12px;padding:10px}.auto .k{font-size:9.5px;color:#718090;font-weight:800}.auto .v{font-size:17px;color:var(--charcoal);font-weight:900;margin-top:2px}.auto .s{font-size:9px;color:#7d8996}.return-box{display:block;margin-top:8px;border:1px solid #dce3ea;background:#fafbfd;border-radius:13px;padding:11px}.return-box.show{display:block}.return-tools{display:flex;gap:7px;flex-wrap:wrap;margin-bottom:9px}.return-head{display:flex;justify-content:space-between;align-items:center;gap:8px;margin-bottom:9px}.return-head strong{color:var(--charcoal);font-size:11px}.pattern-note{margin-top:8px;padding:8px 9px;border-radius:9px;background:#f1f5f8;color:#5f6d7b;font-size:9.5px}.pattern-note b{color:var(--charcoal)}.year-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:7px}.year-rate{border:1px solid #d3dce5;border-radius:10px;background:#fff;padding:7px}.year-rate label{font-size:9px;color:#6d7987;display:block;margin:0 0 3px;font-weight:800}.year-rate input{width:100%;border:0;outline:0;font-size:12px;font-weight:900;color:var(--charcoal);background:transparent;padding:0}.year-rate .pctsign{font-size:9px;color:#7d8996}.actions{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-top:13px}.actions .wide{grid-column:1/-1}
.results{display:grid;gap:14px}.summary{display:grid;grid-template-columns:repeat(4,1fr);gap:9px}.stat{border:1px solid var(--line);border-radius:13px;background:#fbfcfd;padding:11px}.stat .label{font-size:10px;color:var(--muted)}.stat .value{font-size:18px;font-weight:900;color:var(--charcoal);margin-top:3px}.stat .sub{font-size:9.5px;color:#7c8996;margin-top:2px}.chip{display:inline-flex;align-items:center;border-radius:999px;background:#f0f3f6;border:1px solid #dbe2e8;padding:5px 9px;font-size:10px;font-weight:900;color:#46525f}.comparison{display:grid;grid-template-columns:repeat(3,1fr);gap:11px}.strategy{border:1px solid var(--line);border-radius:15px;padding:14px;background:#fff}.strategy.featured{border:2px solid var(--red);background:#fff9fa}.strategy h3{margin:0 0 9px;color:var(--charcoal);font-size:15px}.row{display:flex;justify-content:space-between;gap:12px;padding:7px 0;border-bottom:1px dashed #dfe5eb}.row:last-child{border-bottom:0}.row span:first-child{color:#5e6b79}.row strong{text-align:right;color:#16212c}.row.total{margin-top:4px;border-top:2px solid var(--charcoal);border-bottom:0;padding-top:10px}.row.total strong{font-size:16px;color:var(--charcoal)}.adv{border-radius:15px;padding:14px;background:linear-gradient(135deg,#fff4f6,#fff);border:1px solid #efccd2;display:grid;grid-template-columns:1fr auto;gap:12px;align-items:center}.adv strong{font-size:20px;color:var(--charcoal);display:block}.adv .pct{font-size:24px;font-weight:900;color:var(--red)}.tablewrap{overflow:auto;border:1px solid var(--line);border-radius:13px}.ptable{width:100%;border-collapse:collapse;min-width:720px}.ptable th,.ptable td{padding:8px 9px;border-bottom:1px solid #e7ebef;text-align:right;white-space:nowrap}.ptable th:first-child,.ptable td:first-child{text-align:center}.ptable th:nth-child(2),.ptable td:nth-child(2){text-align:center}.ptable th{background:#f4f6f8;color:#4d5965;font-size:9.5px;text-transform:uppercase;letter-spacing:.04em}.ptable tr:last-child td{border-bottom:0}.neg{color:#a51d2f;font-weight:900}.pos{color:#226647;font-weight:900}.barwrap{display:grid;gap:9px}.barrow{display:grid;grid-template-columns:165px 1fr 115px;gap:9px;align-items:center}.bartrack{height:22px;border-radius:999px;background:#e8edf2;overflow:hidden}.bar{height:100%;border-radius:inherit;background:#7b8793;min-width:3px}.bar.cash{background:#445767}.bar.lev{background:var(--red)}.barvalue{text-align:right;font-weight:900;color:var(--charcoal)}
.report{background:#fff}.reporthead{padding:22px;background:var(--charcoal);color:#fff;border-top:5px solid var(--red)}.reporthead h2{margin:4px 0 4px;font-size:23px}.reporthead p{margin:0;color:#d5dbe0}.reportbody{padding:22px}.report h3{font-size:16px;color:var(--charcoal);margin:19px 0 8px}.report p{font-size:12.3px;margin:0 0 10px}.steps{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px;margin:14px 0 15px;align-items:stretch}.step{border:1px solid var(--line);border-radius:12px;padding:13px 12px 12px;min-height:106px;display:flex;flex-direction:column;overflow:hidden;background:#fff}.step b{display:block;color:var(--charcoal);margin:0 0 9px;line-height:1.22;font-size:11px}.step strong{display:block;font-size:15.5px;line-height:1.12;color:#17222d;margin:0 0 7px;white-space:nowrap}.step span{display:block;color:#657181;font-size:10.5px;line-height:1.32;margin-top:auto}.live-link{word-break:break-all;background:#f4f6f8;border:1px dashed #bac5cf;padding:9px;border-radius:9px}.disclosure{font-size:10px!important;color:#6d7987;border-top:1px solid var(--line);padding-top:11px;margin-top:15px!important}.email{white-space:pre-wrap;width:100%;min-height:420px;border:1px solid var(--line);border-radius:12px;padding:13px;resize:vertical;font-size:12px;line-height:1.5;background:#fbfcfd;color:#25313d}.email-preview{border:1px solid var(--line);border-radius:12px;background:#fff;padding:22px;overflow:auto;color:#25313d;line-height:1.5}.email-preview h3{font-size:15px;margin:21px 0 8px;color:#20262c}.email-preview p{font-size:12px;margin:0 0 11px}.email-preview .email-subject{background:#f4f6f8;border:1px solid #e0e6ec;border-radius:9px;padding:10px 12px;margin-bottom:16px;font-weight:900;color:#20262c}.email-preview table{width:100%;border-collapse:collapse;margin:12px 0 16px;min-width:650px}.email-preview th{background:#20262c;color:#fff;font-size:10px;padding:8px 7px;text-align:right;white-space:nowrap}.email-preview th:first-child,.email-preview th:nth-child(2),.email-preview td:first-child,.email-preview td:nth-child(2){text-align:center}.email-preview td{font-size:10.5px;padding:7px;border-bottom:1px solid #e5e9ee;text-align:right;white-space:nowrap}.email-preview tr:nth-child(even) td{background:#f7f9fb}.email-preview .neg{color:#a51d2f;font-weight:900}.email-preview .email-note{font-size:10px;color:#657181;margin-top:-8px}.email-fallback{margin-top:12px}.email-fallback summary{cursor:pointer;font-weight:900;color:#4b5967}.footer{background:#171c21;color:#d6dce1;padding:24px 0;margin-top:18px}.footer strong{color:#fff}.mobilebar{display:none;position:fixed;z-index:30;left:0;right:0;bottom:0;background:#fff;border-top:1px solid #cfd8df;padding:8px max(8px,env(safe-area-inset-right)) calc(8px + env(safe-area-inset-bottom)) max(8px,env(safe-area-inset-left));box-shadow:0 -8px 24px rgba(20,30,40,.13);grid-template-columns:repeat(3,1fr);gap:7px}.mobilebar button,.mobilebar a{border:0;border-radius:10px;min-height:45px;display:grid;place-items:center;text-decoration:none;font-weight:900}.modal{position:fixed;inset:0;background:rgba(11,16,20,.65);z-index:99;display:none;align-items:center;justify-content:center;padding:18px}.modal.show{display:flex}.modalbox{max-width:480px;width:100%;background:#fff;border-radius:16px;padding:18px;box-shadow:var(--shadow);position:relative}.modalclose{position:absolute;right:10px;top:8px;width:32px;height:32px;border:0;background:#eef1f4;border-radius:50%;font-size:20px;cursor:pointer}.client-mode .advisor-only{display:none!important}
@media(max-width:1000px){.layout{grid-template-columns:1fr}.sticky{position:relative;top:auto}.hero-grid{grid-template-columns:1fr}.comparison{grid-template-columns:1fr 1fr}.comparison .strategy:nth-child(2){grid-column:1/-1;order:3}.year-grid{grid-template-columns:repeat(5,1fr)}}
@media(max-width:680px){body{font-size:11.5px}.wrap{padding:0 10px}.topin{min-height:67px}.topactions{display:none}.brandtxt strong{font-size:17px}.hero{padding:22px 0}.hero h1{font-size:25px}.grid2{grid-template-columns:1fr}.summary{grid-template-columns:1fr 1fr}.comparison{grid-template-columns:1fr}.comparison .strategy:nth-child(2){grid-column:auto;order:initial}.steps{grid-template-columns:1fr 1fr}.step{min-height:112px}.year-grid{grid-template-columns:repeat(3,1fr)}.barrow{grid-template-columns:105px 1fr 95px}.mobilebar{display:grid}.cardbody{padding:14px}.reportbody{padding:16px}}
@media print{body{background:#fff;padding:0}.top,.hero,.main>.wrap>.layout>.sticky,.results>.card:not(.report),.emailcard,.footer,.mobilebar{display:none!important}.layout{display:block}.results{display:block}.report{box-shadow:none;border:0}.wrap{max-width:none;padding:0}.reportbody{padding:16px}.reporthead{background:#fff!important;color:#000!important;border-top:5px solid #000}.reporthead p{color:#333!important}a{color:#000;text-decoration:none}}

.card details{padding:13px 0;border-bottom:1px solid #dfe5ec}.card summary{cursor:pointer;font-size:13px}.card details p{margin:8px 0;font-size:12px;line-height:1.6}