:root{
      --pb-navy:#061b49;
      --pb-navy-deep:#031338;
      --pb-blue:#0b63b6;
      --pb-blue-dark:#084b89;
      --pb-red:#c7353c;
      --pb-red-dark:#a9272d;
      --pb-text:#10213f;
      --pb-muted:#5f6b7a;
      --pb-bg:#f5f6f8;
      --pb-soft-blue:#eef5fc;
      --pb-soft-red:#fff1f2;
      --pb-border:#d9e1ea;
      --pb-white:#fff;
      --pb-success:#147a55;
      --pb-shadow:0 12px 32px rgba(3,19,56,.09);
      --pb-radius:12px;
    }
    *{box-sizing:border-box}
    html{font-size:12px;scroll-behavior:smooth}
    body{margin:0;font-family:Lato,Arial,sans-serif;color:var(--pb-text);background:var(--pb-bg);line-height:1.55;-webkit-font-smoothing:antialiased}
    a{color:inherit;text-decoration:none}
    button,input,select{font:inherit}
    button{touch-action:manipulation}
    .pb-wrap{width:min(1160px,calc(100% - 28px));margin-inline:auto}
    .pb-sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}

    /* Top contact bar */
    .pb-topbar{background:var(--pb-navy-deep);color:#fff;font-size:1rem}
    .pb-topbar-inner{min-height:38px;display:flex;align-items:center;justify-content:space-between;gap:14px}
    .pb-topbar-copy{opacity:.88}
    .pb-topbar-actions{display:flex;align-items:center;gap:6px}
    .pb-topbar-actions a{display:inline-flex;align-items:center;gap:6px;padding:6px 10px;border-left:1px solid rgba(255,255,255,.18);font-weight:700}
    .pb-topbar-actions svg{width:14px;height:14px;fill:currentColor}

    /* Header */
    .pb-header{position:sticky;top:0;z-index:60;background:rgba(255,255,255,.97);border-bottom:1px solid var(--pb-border);backdrop-filter:blur(12px)}
    .pb-nav{min-height:70px;display:flex;align-items:center;justify-content:space-between;gap:24px}
    .pb-brand{display:flex;align-items:center;gap:10px;min-width:max-content}
    .pb-brand-mark{width:43px;height:43px;border-radius:11px;background:var(--pb-navy);color:#fff;display:grid;place-items:center;font-weight:900;font-size:1.35rem;position:relative;overflow:hidden}
    .pb-brand-mark:after{content:"";position:absolute;left:0;right:0;bottom:0;height:5px;background:var(--pb-red)}
    .pb-brand-text strong{display:block;font-size:1.45rem;line-height:1.1;color:var(--pb-navy)}
    .pb-brand-text small{display:block;margin-top:3px;color:var(--pb-muted);font-weight:700}
    .pb-menu{display:flex;align-items:center;gap:20px;font-weight:700;color:#27364f}
    .pb-menu a:hover{color:var(--pb-blue)}
    .pb-nav-cta{display:inline-flex;align-items:center;justify-content:center;min-height:42px;padding:0 17px;border-radius:6px;background:linear-gradient(135deg,var(--pb-red),var(--pb-red-dark));color:#fff;font-weight:900;box-shadow:0 8px 18px rgba(199,53,60,.2)}

    /* Hero */
    .pb-hero{position:relative;overflow:hidden;background:linear-gradient(118deg,var(--pb-navy-deep) 0%,var(--pb-navy) 60%,#0d3e78 100%);color:#fff}
    .pb-hero:before{content:"";position:absolute;width:430px;height:430px;border-radius:50%;right:-210px;top:-225px;background:rgba(255,255,255,.08)}
    .pb-hero:after{content:"";position:absolute;width:320px;height:320px;border-radius:50%;right:9%;bottom:-250px;border:55px solid rgba(199,53,60,.22)}
    .pb-hero-grid{position:relative;z-index:1;display:grid;grid-template-columns:minmax(0,1.35fr) minmax(300px,.65fr);gap:38px;align-items:center;padding:48px 0}
    .pb-kicker{display:flex;align-items:center;gap:9px;color:#d8e9ff;font-weight:900;text-transform:uppercase;letter-spacing:.08em;font-size:.95rem}
    .pb-kicker:before{content:"";width:30px;height:3px;background:var(--pb-red);border-radius:99px}
    .pb-hero h1{font-size:3.25rem;line-height:1.08;letter-spacing:-.035em;margin:12px 0 15px;max-width:760px}
    .pb-hero h1 span{color:#ffadb1}
    .pb-hero-copy{font-size:1.24rem;line-height:1.65;color:#e6eef8;max-width:750px;margin:0}
    .pb-hero-actions{display:flex;flex-wrap:wrap;gap:10px;margin-top:22px}
    .pb-btn{border:0;border-radius:6px;min-height:44px;padding:0 17px;font-weight:900;display:inline-flex;align-items:center;justify-content:center;gap:8px;cursor:pointer;transition:.18s transform,.18s box-shadow,.18s background}
    .pb-btn:hover{transform:translateY(-1px)}
    .pb-btn-primary{background:linear-gradient(135deg,var(--pb-red),var(--pb-red-dark));color:#fff;box-shadow:0 8px 22px rgba(199,53,60,.28)}
    .pb-btn-light{background:#fff;color:var(--pb-navy);border:1px solid rgba(255,255,255,.45)}
    .pb-btn-outline{background:#fff;color:var(--pb-navy);border:1px solid #bdc9d7}
    .pb-btn-blue{background:var(--pb-blue);color:#fff}
    .pb-hero-panel{background:rgba(255,255,255,.98);color:var(--pb-text);border-radius:14px;box-shadow:0 18px 45px rgba(0,0,0,.24);overflow:hidden}
    .pb-hero-panel-head{padding:17px 20px;background:var(--pb-soft-blue);border-bottom:1px solid var(--pb-border)}
    .pb-hero-panel-head strong{display:block;font-size:1.35rem;color:var(--pb-navy)}
    .pb-hero-panel-head span{color:var(--pb-muted)}
    .pb-hero-checks{padding:13px 20px 19px;margin:0;list-style:none}
    .pb-hero-checks li{display:grid;grid-template-columns:21px 1fr;gap:9px;padding:8px 0;border-bottom:1px solid #edf0f4}
    .pb-hero-checks li:last-child{border-bottom:0}
    .pb-check{width:19px;height:19px;border-radius:50%;display:grid;place-items:center;background:#e8f6f0;color:var(--pb-success);font-size:.9rem;font-weight:900;margin-top:1px}

    /* Start here navigation */
    .pb-start{background:#fff;border-bottom:1px solid var(--pb-border)}
    .pb-start-grid{display:grid;grid-template-columns:220px repeat(3,1fr);align-items:stretch}
    .pb-start-title{padding:18px 18px 18px 0;display:flex;align-items:center;font-size:1.16rem;color:var(--pb-navy)}
    .pb-start-link{padding:16px 18px;border-left:1px solid var(--pb-border);display:flex;align-items:center;gap:12px;transition:.18s background}
    .pb-start-link:hover{background:var(--pb-soft-blue)}
    .pb-start-icon{width:34px;height:34px;flex:0 0 34px;border-radius:9px;background:var(--pb-soft-red);color:var(--pb-red);display:grid;place-items:center;font-weight:900}
    .pb-start-link strong{display:block;color:var(--pb-navy);font-size:1.08rem;line-height:1.25}
    .pb-start-link small{display:block;color:var(--pb-muted);margin-top:2px}

    main{padding:38px 0 92px}
    .pb-section-intro{max-width:790px;margin:0 auto 25px;text-align:center}
    .pb-section-intro .pb-kicker{justify-content:center;color:var(--pb-blue)}
    .pb-section-intro h2{font-size:2.35rem;line-height:1.16;letter-spacing:-.025em;color:var(--pb-navy);margin:9px 0 8px}
    .pb-section-intro p{font-size:1.12rem;color:var(--pb-muted);margin:0}

    /* Calculator */
    .pb-calculator-grid{display:grid;grid-template-columns:minmax(0,1fr) 382px;gap:20px;align-items:start}
    .pb-input-stack{display:grid;gap:14px}
    .pb-panel{background:#fff;border:1px solid var(--pb-border);border-radius:var(--pb-radius);box-shadow:0 5px 18px rgba(3,19,56,.045);overflow:hidden}
    .pb-panel-head{display:flex;align-items:center;gap:11px;padding:16px 18px;border-bottom:1px solid var(--pb-border);background:#fbfcfe}
    .pb-step{width:29px;height:29px;border-radius:8px;background:var(--pb-navy);color:#fff;display:grid;place-items:center;font-weight:900;box-shadow:inset 0 -4px 0 var(--pb-red)}
    .pb-panel-head strong{font-size:1.25rem;color:var(--pb-navy)}
    .pb-panel-head span:last-child{color:var(--pb-muted);margin-left:auto;font-size:.95rem}
    .pb-panel-body{padding:18px}
    .pb-form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:15px}
    .pb-field-full{grid-column:1/-1}
    .pb-field label{display:flex;align-items:center;gap:6px;margin:0 0 6px;font-weight:900;color:#1c2d49}
    .pb-info{width:18px;height:18px;border:1px solid #9caabd;background:#fff;border-radius:50%;color:var(--pb-blue);display:inline-grid;place-items:center;font-weight:900;font-size:.85rem;cursor:pointer;padding:0}
    .pb-field input,.pb-field select{width:100%;height:43px;border:1px solid #c8d2df;border-radius:6px;background:#fff;color:var(--pb-text);padding:0 11px;outline:none}
    .pb-field input:focus,.pb-field select:focus{border-color:var(--pb-blue);box-shadow:0 0 0 3px rgba(11,99,182,.13)}
    .pb-field input[aria-invalid="true"]{border-color:var(--pb-red);box-shadow:0 0 0 3px rgba(199,53,60,.1)}
    .pb-hint{font-size:.91rem;color:#718096;margin-top:4px;line-height:1.4}
    .pb-hint.pb-error{color:var(--pb-red);font-weight:700}
    .pb-inline-note{display:flex;gap:10px;padding:11px 12px;border-radius:7px;background:var(--pb-soft-blue);border-left:3px solid var(--pb-blue);color:#38516f;margin-bottom:14px}
    .pb-inline-note strong{color:var(--pb-navy)}
    .pb-form-actions{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:9px;margin-top:17px}
    .pb-form-actions .pb-btn{min-height:46px}
    .pb-reset{min-width:92px}

    /* Results */
    .pb-results{position:sticky;top:86px;border-color:#b8c7d9;box-shadow:var(--pb-shadow)}
    .pb-results-head{padding:18px;background:linear-gradient(135deg,var(--pb-navy-deep),var(--pb-navy));color:#fff}
    .pb-results-head-row{display:flex;align-items:center;justify-content:space-between;gap:10px}
    .pb-results-head strong{font-size:1.35rem}
    .pb-live{display:inline-flex;align-items:center;gap:6px;font-size:.88rem;color:#dce9f8}
    .pb-live:before{content:"";width:8px;height:8px;border-radius:50%;background:#4ee2a4;box-shadow:0 0 0 4px rgba(78,226,164,.15)}
    .pb-results-head p{margin:5px 0 0;color:#d7e2f0}
    .pb-results-body{padding:16px}
    .pb-result-main{border-radius:9px;background:var(--pb-soft-blue);padding:14px;margin-bottom:10px;border:1px solid #d6e6f7}
    .pb-result-main span{display:block;color:var(--pb-muted);font-weight:700}
    .pb-result-main strong{display:block;color:var(--pb-navy);font-size:2.05rem;line-height:1.2;margin-top:3px}
    .pb-result-grid{display:grid;grid-template-columns:1fr 1fr;gap:9px}
    .pb-result-card{border:1px solid var(--pb-border);border-radius:8px;padding:11px;background:#fff;min-width:0}
    .pb-result-card span{display:block;color:var(--pb-muted);font-size:.9rem;line-height:1.25;min-height:28px}
    .pb-result-card strong{display:block;color:var(--pb-navy);font-size:1.18rem;margin-top:4px;overflow-wrap:anywhere}
    .pb-insight{margin-top:11px;padding:13px;border-radius:8px;background:var(--pb-soft-red);border-left:4px solid var(--pb-red);color:#49323b}
    .pb-insight strong{color:var(--pb-red-dark)}
    .pb-results-actions{display:grid;gap:8px;margin-top:12px}
    .pb-results-actions .pb-btn{width:100%}
    .pb-mini-disclaimer{font-size:.86rem;color:#788596;line-height:1.45;margin:11px 2px 0}

    /* Comparisons and data */
    .pb-comparison{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:22px}
    .pb-scenario{background:#fff;border:1px solid var(--pb-border);border-radius:var(--pb-radius);padding:18px;box-shadow:0 5px 16px rgba(3,19,56,.04)}
    .pb-scenario.wait{border-top:4px solid var(--pb-navy)}
    .pb-scenario.plan{border-top:4px solid var(--pb-red)}
    .pb-scenario-tag{display:inline-flex;align-items:center;gap:6px;font-size:.84rem;text-transform:uppercase;letter-spacing:.06em;font-weight:900;color:var(--pb-muted)}
    .pb-scenario h3{font-size:1.45rem;color:var(--pb-navy);margin:7px 0 7px}
    .pb-scenario p{color:var(--pb-muted);margin:0 0 12px}
    .pb-data-row{display:flex;justify-content:space-between;gap:16px;padding:10px 0;border-top:1px solid var(--pb-border)}
    .pb-data-row span{color:var(--pb-muted)}
    .pb-data-row strong{text-align:right;color:var(--pb-navy)}
    .pb-chart-card,.pb-table-card{margin-top:18px;background:#fff;border:1px solid var(--pb-border);border-radius:var(--pb-radius);box-shadow:0 5px 16px rgba(3,19,56,.04);padding:18px}
    .pb-card-title{display:flex;align-items:start;justify-content:space-between;gap:15px;margin-bottom:12px}
    .pb-card-title h3{font-size:1.4rem;color:var(--pb-navy);margin:0}
    .pb-card-title p{color:var(--pb-muted);margin:3px 0 0}
    .pb-legend{display:flex;gap:13px;flex-wrap:wrap;color:var(--pb-muted);font-size:.9rem}
    .pb-legend span{display:flex;align-items:center;gap:6px}
    .pb-legend i{width:19px;height:4px;border-radius:99px;background:var(--pb-navy)}
    .pb-legend span:last-child i{background:var(--pb-red)}
    .pb-chart-box{position:relative;height:285px;width:100%}
    #pbChart{width:100%;height:100%;display:block}
    .pb-table-scroll{overflow:auto;-webkit-overflow-scrolling:touch;border:1px solid var(--pb-border);border-radius:8px}
    .pb-table{width:100%;border-collapse:collapse;min-width:780px}
    .pb-table th,.pb-table td{padding:10px 11px;border-bottom:1px solid var(--pb-border);text-align:right;white-space:nowrap}
    .pb-table th{position:sticky;top:0;background:var(--pb-navy);color:#fff;font-size:.9rem;z-index:1}
    .pb-table th:first-child,.pb-table td:first-child{text-align:left;position:sticky;left:0}
    .pb-table th:first-child{z-index:2}
    .pb-table td:first-child{background:#fff;font-weight:900;color:var(--pb-navy)}
    .pb-table tr:nth-child(even) td{background:#f8fafc}
    .pb-table tr:nth-child(even) td:first-child{background:#f8fafc}

    /* Education and FAQs */
    .pb-education{margin-top:42px}
    .pb-content-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
    .pb-content-card{background:#fff;border:1px solid var(--pb-border);border-radius:var(--pb-radius);padding:18px}
    .pb-content-icon{width:40px;height:40px;border-radius:10px;background:var(--pb-soft-blue);color:var(--pb-blue);display:grid;place-items:center;font-size:1.2rem;font-weight:900;margin-bottom:11px}
    .pb-content-card:nth-child(2) .pb-content-icon{background:var(--pb-soft-red);color:var(--pb-red)}
    .pb-content-card h3{font-size:1.35rem;line-height:1.25;color:var(--pb-navy);margin:0 0 7px}
    .pb-content-card p{color:var(--pb-muted);margin:0}
    .pb-faq{margin-top:42px}
    .pb-faq-list{display:grid;grid-template-columns:1fr 1fr;gap:12px}
    .pb-faq-item{background:#fff;border:1px solid var(--pb-border);border-radius:9px;padding:16px}
    .pb-faq-item h3{font-size:1.2rem;line-height:1.3;color:var(--pb-navy);margin:0 0 7px}
    .pb-faq-item p{color:var(--pb-muted);margin:0}

    /* CTA and footer */
    .pb-advisor-cta{margin-top:42px;border-radius:14px;overflow:hidden;background:linear-gradient(120deg,var(--pb-navy-deep),var(--pb-navy) 66%,#0f4b8f);color:#fff;display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center;padding:27px 30px;box-shadow:var(--pb-shadow);position:relative}
    .pb-advisor-cta:after{content:"";position:absolute;right:-45px;top:-95px;width:230px;height:230px;border:34px solid rgba(199,53,60,.28);border-radius:50%}
    .pb-advisor-cta > *{position:relative;z-index:1}
    .pb-advisor-cta h2{font-size:2rem;line-height:1.15;margin:0 0 7px}
    .pb-advisor-cta p{margin:0;color:#dce7f5;font-size:1.08rem}
    .pb-cta-actions{display:flex;flex-wrap:wrap;justify-content:flex-end;gap:8px}
    .pb-footer{background:var(--pb-navy-deep);color:#cbd7e8;padding:32px 0 78px}
    .pb-footer-grid{display:grid;grid-template-columns:1.2fr .8fr .8fr;gap:28px}
    .pb-footer h3{font-size:1.2rem;color:#fff;margin:0 0 8px}
    .pb-footer p{margin:0;line-height:1.7}
    .pb-footer a{color:#fff}
    .pb-footer-note{border-top:1px solid rgba(255,255,255,.12);margin-top:24px;padding-top:15px;font-size:.88rem;color:#9fb0c7}

    /* Mobile actions */
    .pb-mobile-contact{display:none;position:fixed;left:0;right:0;bottom:0;z-index:90;background:#fff;border-top:1px solid var(--pb-border);padding:7px max(7px,env(safe-area-inset-right)) calc(7px + env(safe-area-inset-bottom)) max(7px,env(safe-area-inset-left));grid-template-columns:repeat(3,1fr);gap:6px;box-shadow:0 -8px 22px rgba(3,19,56,.12)}
    .pb-mobile-contact a{min-height:42px;border-radius:6px;display:flex;align-items:center;justify-content:center;font-weight:900}
    .pb-mobile-contact a:nth-child(1){background:var(--pb-navy);color:#fff}
    .pb-mobile-contact a:nth-child(2){background:var(--pb-red);color:#fff}
    .pb-mobile-contact a:nth-child(3){border:1px solid #b9c5d3;color:var(--pb-navy)}

    /* Modal */
    .pb-modal{display:none;position:fixed;inset:0;background:rgba(3,19,56,.68);z-index:100;align-items:center;justify-content:center;padding:18px}
    .pb-modal.open{display:flex}
    .pb-modal-box{width:min(455px,100%);background:#fff;border-radius:12px;box-shadow:0 24px 80px rgba(0,0,0,.35);overflow:hidden}
    .pb-modal-head{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:15px 17px;background:var(--pb-navy);color:#fff}
    .pb-modal-head h3{margin:0;font-size:1.25rem}
    .pb-modal-close{width:30px;height:30px;border:0;border-radius:50%;background:rgba(255,255,255,.16);color:#fff;font-size:1.5rem;cursor:pointer}
    .pb-modal-body{padding:17px;color:var(--pb-muted);font-size:1.05rem}



    /* Explanations, calculation engines and decision dashboard */
    .pb-title-line{display:flex;align-items:center;gap:8px;flex-wrap:wrap}
    .pb-section-intro .pb-title-line{justify-content:center}
    .pb-head-info{width:20px;height:20px;flex:0 0 20px;border:1px solid #9caabd;background:#fff;border-radius:50%;color:var(--pb-blue);display:inline-grid;place-items:center;font-weight:900;font-size:.86rem;cursor:pointer;padding:0;line-height:1}
    .pb-results-head .pb-head-info{border-color:rgba(255,255,255,.55);background:rgba(255,255,255,.1);color:#fff}
    .pb-scenario .pb-head-info,.pb-card-title .pb-head-info,.pb-content-card .pb-head-info,.pb-faq-item .pb-head-info{vertical-align:middle;margin-left:4px}
    .pb-engine-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:11px;margin:0 0 20px}
    .pb-engine{background:#fff;border:1px solid var(--pb-border);border-radius:10px;padding:14px;display:grid;grid-template-columns:38px 1fr;gap:10px;align-items:start;box-shadow:0 4px 14px rgba(3,19,56,.035)}
    .pb-engine-icon{width:38px;height:38px;border-radius:9px;background:var(--pb-soft-blue);color:var(--pb-blue);display:grid;place-items:center;font-weight:900;font-size:1.05rem}
    .pb-engine:nth-child(2) .pb-engine-icon,.pb-engine:nth-child(4) .pb-engine-icon{background:var(--pb-soft-red);color:var(--pb-red)}
    .pb-engine strong{display:flex;align-items:center;gap:6px;color:var(--pb-navy);line-height:1.25;font-size:1.05rem}
    .pb-engine p{margin:3px 0 0;color:var(--pb-muted);font-size:.9rem;line-height:1.4}
    .pb-metric-label{display:flex!important;align-items:center;gap:5px}
    .pb-metric-info{width:16px;height:16px;flex:0 0 16px;border:1px solid #a9b5c3;background:#fff;border-radius:50%;color:var(--pb-blue);display:inline-grid;place-items:center;font-weight:900;font-size:.72rem;cursor:pointer;padding:0}
    .pb-results-note{margin:10px 0 0;padding:10px 11px;border-radius:7px;background:#f8fafc;border:1px solid var(--pb-border);color:var(--pb-muted);font-size:.9rem}
    .pb-dashboard{margin-top:18px;background:#fff;border:1px solid var(--pb-border);border-radius:var(--pb-radius);box-shadow:0 5px 16px rgba(3,19,56,.04);overflow:hidden}
    .pb-dashboard-head{padding:17px 18px;border-bottom:1px solid var(--pb-border);background:linear-gradient(90deg,#f7faff,#fff)}
    .pb-dashboard-head h2{font-size:1.62rem;color:var(--pb-navy);margin:0;display:flex;align-items:center;gap:7px}
    .pb-dashboard-head p{margin:4px 0 0;color:var(--pb-muted)}
    .pb-dashboard-body{padding:18px}
    .pb-bar-grid{display:grid;grid-template-columns:1fr 1fr;gap:15px}
    .pb-bar-card{border:1px solid var(--pb-border);border-radius:9px;padding:14px;background:#fff}
    .pb-bar-card h3{font-size:1.12rem;color:var(--pb-navy);margin:0 0 3px;display:flex;align-items:center;gap:6px}
    .pb-bar-card>p{margin:0 0 11px;color:var(--pb-muted);font-size:.9rem}
    .pb-bar-row{display:grid;grid-template-columns:92px minmax(90px,1fr) auto;gap:8px;align-items:center;margin:8px 0}
    .pb-bar-label{font-weight:900;color:#34445e;font-size:.9rem}
    .pb-bar-track{height:10px;background:#edf1f6;border-radius:99px;overflow:hidden}
    .pb-bar-fill{height:100%;min-width:2px;border-radius:99px;background:var(--pb-navy);transition:width .3s ease}
    .pb-bar-row.plan .pb-bar-fill{background:var(--pb-red)}
    .pb-bar-value{font-weight:900;color:var(--pb-navy);white-space:nowrap;font-size:.9rem}
    .pb-mini-calculators{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:16px}
    .pb-mini-calc{border:1px solid var(--pb-border);border-radius:9px;background:#f9fbfd;padding:14px;min-width:0}
    .pb-mini-calc-head{display:flex;align-items:center;justify-content:space-between;gap:8px;margin-bottom:10px}
    .pb-mini-calc-head h3{font-size:1.08rem;line-height:1.25;color:var(--pb-navy);margin:0}
    .pb-mini-calc-row{display:flex;justify-content:space-between;gap:10px;padding:7px 0;border-top:1px solid #e1e7ef}
    .pb-mini-calc-row span{color:var(--pb-muted);font-size:.88rem}
    .pb-mini-calc-row strong{text-align:right;color:var(--pb-navy);font-size:.95rem;overflow-wrap:anywhere}
    .pb-smart{margin-top:18px;background:linear-gradient(135deg,var(--pb-navy-deep),var(--pb-navy));color:#fff;border-radius:var(--pb-radius);padding:19px;box-shadow:var(--pb-shadow)}
    .pb-smart-head{display:flex;align-items:flex-start;justify-content:space-between;gap:16px;margin-bottom:12px}
    .pb-smart-head h2{display:flex;align-items:center;gap:7px;font-size:1.55rem;margin:0}
    .pb-smart-head p{margin:4px 0 0;color:#d6e1ef}
    .pb-smart .pb-head-info{border-color:rgba(255,255,255,.55);background:rgba(255,255,255,.1);color:#fff}
    .pb-smart-list{display:grid;grid-template-columns:1fr 1fr;gap:9px}
    .pb-smart-item{background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.13);border-radius:8px;padding:12px;display:grid;grid-template-columns:27px 1fr;gap:9px;align-items:start}
    .pb-smart-number{width:27px;height:27px;border-radius:7px;background:var(--pb-red);display:grid;place-items:center;font-weight:900}
    .pb-smart-item strong{display:block;color:#fff;margin-bottom:2px}
    .pb-smart-item span{color:#dce6f3;font-size:.92rem;line-height:1.45}
    .pb-key-years{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-top:12px}
    .pb-key-year{border:1px solid var(--pb-border);border-radius:8px;padding:11px;background:#fff}
    .pb-key-year span{display:block;color:var(--pb-muted);font-size:.88rem}
    .pb-key-year strong{display:block;color:var(--pb-navy);font-size:1.08rem;margin-top:3px}
    .pb-risk{color:var(--pb-red-dark)!important;font-weight:900}
    .pb-good{color:var(--pb-success)!important;font-weight:900}


    /* Longevity, estate and clearer period labels */
    .pb-scenario-status{display:flex;align-items:center;justify-content:space-between;gap:12px;margin:12px 0 8px;padding:11px 12px;border-radius:8px;background:#eef8f3;border:1px solid #cfe8dc}
    .pb-scenario-status strong{display:block;color:#176342;font-size:1.05rem}
    .pb-scenario-status span{display:block;color:#587064;font-size:.88rem;margin-top:1px}
    .pb-scenario-status.risk{background:#fff1f2;border-color:#efc7ca}
    .pb-scenario-status.risk strong{color:var(--pb-red-dark)}
    .pb-scenario-status.risk span{color:#78545a}
    .pb-data-row{align-items:flex-start}
    .pb-data-row .pb-row-label{display:block;max-width:70%;color:var(--pb-muted)}
    .pb-data-row .pb-row-label small{display:block;color:#8793a2;font-size:.82rem;line-height:1.35;margin-top:2px}
    .pb-estate-note{margin-top:11px;padding:10px 11px;border-radius:7px;background:#f7f9fc;color:#657386;font-size:.86rem;line-height:1.45;border-left:3px solid var(--pb-blue)}
    .pb-field[hidden]{display:none!important}
    .pb-stress-test{margin-top:18px;background:#fff;border:1px solid var(--pb-border);border-radius:var(--pb-radius);box-shadow:0 5px 16px rgba(3,19,56,.04);overflow:hidden}
    .pb-stress-head{padding:18px;border-bottom:1px solid var(--pb-border);background:linear-gradient(135deg,#f8fbff,#fff)}
    .pb-stress-head h2{display:flex;align-items:center;gap:7px;font-size:1.65rem;color:var(--pb-navy);margin:0 0 5px}
    .pb-stress-head p{margin:0;color:var(--pb-muted)}
    .pb-stress-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;padding:16px}
    .pb-stress-card{border:1px solid var(--pb-border);border-radius:9px;padding:14px;background:#fff;min-width:0}
    .pb-stress-card.base{border:2px solid var(--pb-blue);box-shadow:0 6px 18px rgba(11,99,182,.09)}
    .pb-stress-tag{display:inline-flex;font-size:.78rem;letter-spacing:.05em;text-transform:uppercase;font-weight:900;color:var(--pb-muted);margin-bottom:5px}
    .pb-stress-card h3{font-size:1.25rem;color:var(--pb-navy);margin:0 0 8px}
    .pb-stress-status{padding:9px 10px;border-radius:7px;background:#eef8f3;color:#176342;font-weight:900;margin-bottom:9px}
    .pb-stress-status.risk{background:#fff1f2;color:var(--pb-red-dark)}
    .pb-stress-row{display:flex;justify-content:space-between;gap:10px;padding:7px 0;border-top:1px solid var(--pb-border)}
    .pb-stress-row span{color:var(--pb-muted)}
    .pb-stress-row strong{text-align:right;color:var(--pb-navy)}
    .pb-stress-note{margin:0;padding:0 16px 16px;color:#6e7b8b;font-size:.88rem;line-height:1.45}
    .pb-frequency{display:inline-flex;align-items:center;margin-left:5px;padding:2px 6px;border-radius:999px;background:#edf3fa;color:#47627f;font-size:.72rem;font-weight:900;vertical-align:middle}

    @media(max-width:980px){
      .pb-menu{display:none}
      .pb-hero-grid{grid-template-columns:1fr .72fr;gap:25px}
      .pb-start-grid{grid-template-columns:repeat(3,1fr)}
      .pb-start-title{grid-column:1/-1;padding:13px 0 4px}
      .pb-start-link:first-of-type{border-left:0}
      .pb-calculator-grid{grid-template-columns:minmax(0,1fr) 340px}
      .pb-content-grid{grid-template-columns:1fr 1fr}
      .pb-engine-grid,.pb-mini-calculators{grid-template-columns:1fr 1fr}
      .pb-content-card:last-child{grid-column:1/-1}
    }
    @media(max-width:800px){
      .pb-hero-grid,.pb-calculator-grid,.pb-advisor-cta,.pb-footer-grid{grid-template-columns:1fr}
      .pb-hero-grid{padding:36px 0}
      .pb-hero-panel{max-width:650px}
      .pb-results{position:static}
      .pb-advisor-cta{padding:25px}
      .pb-cta-actions{justify-content:flex-start}
      .pb-mobile-contact{display:grid}
      .pb-footer{padding-bottom:88px}
    }
    @media(max-width:600px){
      html{font-size:12px}
      .pb-wrap{width:min(100% - 20px,1160px)}
      .pb-topbar-copy{display:none}
      .pb-topbar-inner{justify-content:center}
      .pb-topbar-actions a{padding-inline:8px}
      .pb-nav{min-height:62px}
      .pb-brand-mark{width:39px;height:39px}
      .pb-brand-text strong{font-size:1.28rem}
      .pb-brand-text small{font-size:.82rem}
      .pb-nav-cta{display:none}
      .pb-hero h1{font-size:2.4rem}
      .pb-hero-copy{font-size:1.08rem}
      .pb-hero-panel{display:none}
      .pb-hero-actions{display:grid;grid-template-columns:1fr}
      .pb-hero-actions .pb-btn{width:100%}
      .pb-start-grid{grid-template-columns:1fr}
      .pb-start-title{padding:13px 0 7px}
      .pb-start-link{border-left:0;border-top:1px solid var(--pb-border);padding:12px 2px}
      main{padding-top:28px}
      .pb-section-intro{text-align:left}
      .pb-section-intro .pb-kicker{justify-content:flex-start}
      .pb-section-intro .pb-title-line{justify-content:flex-start}
      .pb-engine-grid,.pb-bar-grid,.pb-mini-calculators,.pb-smart-list,.pb-key-years,.pb-stress-grid{grid-template-columns:1fr}
      .pb-section-intro h2{font-size:1.95rem}
      .pb-form-grid,.pb-comparison,.pb-content-grid,.pb-faq-list{grid-template-columns:1fr}
      .pb-field-full,.pb-content-card:last-child{grid-column:auto}
      .pb-panel-head span:last-child{display:none}
      .pb-panel-body{padding:15px}
      .pb-form-actions{grid-template-columns:1fr}
      .pb-reset{width:100%}
      .pb-result-grid{grid-template-columns:1fr 1fr}
      .pb-bar-row{grid-template-columns:78px minmax(70px,1fr) auto}
      .pb-card-title{display:block}
      .pb-legend{margin-top:8px}
      .pb-chart-box{height:235px}
      .pb-advisor-cta{padding:22px 18px}
      .pb-advisor-cta h2{font-size:1.7rem}
      .pb-cta-actions{display:grid;grid-template-columns:1fr 1fr;width:100%}
      .pb-cta-actions .pb-btn:first-child{grid-column:1/-1}
    }
    @media(max-width:360px){
      .pb-brand-text small{display:none}
      .pb-result-grid{grid-template-columns:1fr}
      .pb-bar-row{grid-template-columns:68px minmax(55px,1fr) auto;gap:6px}
      .pb-topbar-actions a{font-size:.9rem}
    }
    @media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}