@layer properties{@supports (((-webkit-hyphens:none)) and (not (margin-trim:inline))) or ((-moz-orient:inline) and (not (color:rgb(from red r g b)))){*,:before,:after,::backdrop{--tw-border-style:solid}}}@layer theme{:root,:host{--font-sans:-apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", "Noto Sans", Arial, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";--font-mono:ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace;--default-font-family:var(--font-sans);--default-mono-font-family:var(--font-mono)}}@layer base{*,:after,:before,::backdrop{box-sizing:border-box;border:0 solid;margin:0;padding:0}::file-selector-button{box-sizing:border-box;border:0 solid;margin:0;padding:0}html,:host{-webkit-text-size-adjust:100%;tab-size:4;line-height:1.5;font-family:var(--default-font-family,-apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", "Noto Sans", Arial, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji");font-feature-settings:var(--default-font-feature-settings,normal);font-variation-settings:var(--default-font-variation-settings,normal);-webkit-tap-highlight-color:transparent}hr{height:0;color:inherit;border-top-width:1px}abbr:where([title]){-webkit-text-decoration:underline dotted;text-decoration:underline dotted}h1,h2,h3,h4,h5,h6{font-size:inherit;font-weight:inherit}a{color:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;text-decoration:inherit}b,strong{font-weight:bolder}code,kbd,samp,pre{font-family:var(--default-mono-font-family,ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace);font-feature-settings:var(--default-mono-font-feature-settings,normal);font-variation-settings:var(--default-mono-font-variation-settings,normal);font-size:1em}small{font-size:80%}sub,sup{vertical-align:baseline;font-size:75%;line-height:0;position:relative}sub{bottom:-.25em}sup{top:-.5em}table{text-indent:0;border-color:inherit;border-collapse:collapse}:-moz-focusring:where(:not(iframe)){outline:auto}progress{vertical-align:baseline}summary{display:list-item}ol,ul,menu{list-style:none}img,svg,video,canvas,audio,iframe,embed,object{vertical-align:middle;display:block}img,video{max-width:100%;height:auto}button,input,select,optgroup,textarea{font:inherit;font-feature-settings:inherit;font-variation-settings:inherit;letter-spacing:inherit;color:inherit;opacity:1;background-color:#0000;border-radius:0}::file-selector-button{font:inherit;font-feature-settings:inherit;font-variation-settings:inherit;letter-spacing:inherit;color:inherit;opacity:1;background-color:#0000;border-radius:0}:where(select:is([multiple],[size])) optgroup{font-weight:bolder}:where(select:is([multiple],[size])) optgroup option{padding-inline-start:20px}::file-selector-button{margin-inline-end:4px}::placeholder{opacity:1}@supports (not ((-webkit-appearance:-apple-pay-button))) or (contain-intrinsic-size:1px){::placeholder{color:currentColor}@supports (color:color-mix(in lab, red, red)){::placeholder{color:color-mix(in oklab, currentcolor 50%, transparent)}}}textarea{resize:vertical}::-webkit-search-decoration{-webkit-appearance:none}::-webkit-date-and-time-value{min-height:1lh;text-align:inherit}::-webkit-datetime-edit{display:inline-flex}::-webkit-datetime-edit-fields-wrapper{padding:0}::-webkit-datetime-edit{padding-block:0}::-webkit-datetime-edit-year-field{padding-block:0}::-webkit-datetime-edit-month-field{padding-block:0}::-webkit-datetime-edit-day-field{padding-block:0}::-webkit-datetime-edit-hour-field{padding-block:0}::-webkit-datetime-edit-minute-field{padding-block:0}::-webkit-datetime-edit-second-field{padding-block:0}::-webkit-datetime-edit-millisecond-field{padding-block:0}::-webkit-datetime-edit-meridiem-field{padding-block:0}::-webkit-calendar-picker-indicator{line-height:1}:-moz-ui-invalid{box-shadow:none}button,input:where([type=button],[type=reset],[type=submit]){appearance:button}::file-selector-button{appearance:button}::-webkit-inner-spin-button{height:auto}::-webkit-outer-spin-button{height:auto}[hidden]:where(:not([hidden=until-found])){display:none!important}}@layer components;@layer utilities{.visible{visibility:visible}.block{display:block}.flex{display:flex}.hidden{display:none}.table{display:table}.border{border-style:var(--tw-border-style);border-width:1px}}:root{--paper:#f7f4e9;--paper-deep:#eee9d9;--ink:#16355c;--ink-soft:#52657d;--line:#b9c5cc;--grid-line:#45718c1f;--highlight:#f6cf46;--highlight-dark:#d6a900;--white:#fffef9;--danger:#9d2f2f}*{box-sizing:border-box}html{scroll-behavior:smooth}body{background:var(--paper);color:var(--ink);margin:0;font-family:Aptos,Segoe UI,Arial,sans-serif;font-size:17px;line-height:1.5}button,input,select{font:inherit}a{color:inherit}::selection{background:var(--highlight);color:var(--ink)}.site-header{border-bottom:1px solid #16355c47;justify-content:space-between;align-items:center;width:min(1320px,100% - 64px);min-height:116px;margin:0 auto;display:flex}.brand{color:var(--ink);align-items:center;gap:16px;line-height:1;text-decoration:none;display:inline-flex}.brand-wordmark{letter-spacing:-.055em;grid-template-columns:auto auto;align-items:baseline;column-gap:7px;font-size:1.48rem;font-weight:800;line-height:.9;display:grid}.brand-wordmark>strong{letter-spacing:-.065em;grid-column:1/-1;font-size:1.98rem;font-weight:900}.brand-wordmark>span{display:block}.brand-wordmark b{color:var(--highlight-dark);font-weight:900}.brand-wordmark small{letter-spacing:.15em;text-transform:uppercase;white-space:nowrap;grid-column:1/-1;margin-top:9px;font-size:.48rem;font-weight:800;line-height:1}.brand-symbol{flex:none;width:84px;height:84px;overflow:visible}.brand-symbol .brand-space{fill:var(--highlight)}.brand-symbol .brand-house{fill:var(--brand-house,var(--paper))}.brand-symbol .brand-architecture{fill:none;stroke:var(--ink);stroke-width:6px;stroke-linecap:square;stroke-linejoin:miter}.brand-symbol .brand-windows{fill:var(--highlight)}.header-link{text-underline-offset:7px;padding:12px 0;font-size:1rem;font-weight:800;text-decoration-thickness:2px}.header-link:hover{-webkit-text-decoration-color:var(--highlight-dark);-webkit-text-decoration-color:var(--highlight-dark);-webkit-text-decoration-color:var(--highlight-dark);text-decoration-color:var(--highlight-dark)}.site-nav{align-items:center;gap:clamp(18px,2.4vw,36px);display:flex}.site-nav a{text-underline-offset:7px;padding:12px 0;font-size:.95rem;font-weight:800;text-decoration-thickness:2px}.site-nav a:hover{-webkit-text-decoration-color:var(--highlight-dark);-webkit-text-decoration-color:var(--highlight-dark);-webkit-text-decoration-color:var(--highlight-dark);text-decoration-color:var(--highlight-dark)}.site-header-compact{min-height:104px}.hero{grid-template-columns:minmax(270px,.76fr) minmax(410px,1.08fr) minmax(340px,1fr);align-items:center;gap:clamp(24px,2.4vw,36px);width:min(1360px,100% - 64px);min-height:calc(100vh - 116px);margin:0 auto;padding:48px 0 72px;display:grid}.intro-copy{align-self:start;min-width:0;padding-top:28px}.calculator-sheet,.result-panel{min-width:0}.kicker,.eyebrow{color:var(--ink-soft);letter-spacing:.13em;text-transform:uppercase;margin:0 0 18px;font-family:Consolas,Courier New,monospace;font-size:.73rem;font-weight:700;line-height:1.3}.kicker:before{content:"";background:var(--highlight);width:32px;height:4px;margin:0 10px 3px 0;display:inline-block}h1,h2,p{text-wrap:pretty}h1{letter-spacing:-.04em;max-width:510px;margin:0;font-family:Georgia,Times New Roman,serif;font-size:clamp(3rem,3.7vw,4.45rem);font-weight:700;line-height:.96}h1 span{z-index:0;width:fit-content;margin-top:8px;display:block;position:relative}h1 span:after{content:"";z-index:-1;background:var(--highlight);height:24%;position:absolute;bottom:4px;left:-3px;right:-6px;transform:rotate(-1deg)}.lead{max-width:430px;color:var(--ink-soft);margin:28px 0;font-size:1.16rem}.reassurance{border-top:1px solid #16355c3b;align-items:center;gap:12px;max-width:380px;padding-top:26px;display:flex}.reassurance>span{border:2px solid var(--ink);border-radius:50%;flex:none;place-items:center;width:35px;height:35px;font-weight:900;display:grid}.reassurance p{margin:0;font-weight:800}.reassurance small{color:var(--ink-soft);font-size:.78rem;font-weight:500;display:block}.calculator-sheet{background-color:var(--white);background-image:linear-gradient(var(--grid-line) 1px, transparent 1px), linear-gradient(90deg, var(--grid-line) 1px, transparent 1px);background-size:22px 22px;border:1px solid #16355c47;padding:clamp(28px,4vw,48px);position:relative;box-shadow:10px 12px #16355c1f}.calculator-sheet:before{content:"";background:#f6cf46c7;width:68px;height:22px;position:absolute;top:18px;right:-9px;transform:rotate(3deg)}.sheet-heading{align-items:flex-start;gap:16px;margin-bottom:34px;display:flex}.sheet-heading>span{background:var(--ink);width:38px;height:38px;color:var(--white);flex:none;place-items:center;font-family:Consolas,monospace;font-size:.8rem;font-weight:700;display:grid}.sheet-heading p{color:var(--ink-soft);text-transform:uppercase;letter-spacing:.07em;margin:0 0 2px;font-size:.83rem;font-weight:700}.sheet-heading h2{letter-spacing:-.035em;margin:0;font-family:Georgia,serif;font-size:clamp(1.65rem,2.1vw,2.2rem);line-height:1.1}.form-grid{grid-template-columns:1fr 1fr;gap:24px 20px;display:grid}.field-group label{margin-bottom:7px;font-size:.92rem;font-weight:800;display:block}.field-group small{min-height:36px;color:var(--ink-soft);margin-top:6px;font-size:.82rem;line-height:1.35;display:block}.field-group .field-error{min-height:auto;color:var(--danger);font-weight:800}:is(.money-input-wrap:has(input[aria-invalid=true]),.age-input-wrap:has(input[aria-invalid=true])){border-color:var(--danger)}.fgts-field{min-width:0}.check-row{color:var(--ink);cursor:pointer;align-items:flex-start;gap:9px;margin-top:9px;font-size:.82rem;font-weight:700;line-height:1.35;display:flex}.check-row input{width:19px;height:19px;accent-color:var(--ink);flex:none;margin:0}.check-row input:focus-visible{outline:4px solid var(--highlight-dark);outline-offset:3px}.money-input-wrap,.age-input-wrap{background:#fffef9eb;border:2px solid #16355cb3;align-items:center;height:55px;transition:box-shadow .16s,border-color .16s;display:flex}.money-input-wrap:focus-within,.age-input-wrap:focus-within{border-color:var(--ink);box-shadow:0 0 0 4px #f6cf468c}.money-input-wrap>span,.age-input-wrap>span{color:var(--ink-soft);white-space:nowrap;padding-left:14px;font-weight:800}.age-input-wrap>span{padding:0 14px 0 0}.money-input-wrap input,.age-input-wrap input{width:100%;min-width:0;height:100%;color:var(--ink);background:0 0;border:0;outline:0;padding:0 14px 0 8px;font-size:1.18rem;font-weight:800}.age-input-wrap input{padding-left:14px}.scenario-disclosure{border-top:2px solid var(--ink);background:#fffef9d1;border-bottom:1px solid #16355c59;margin-top:28px}.scenario-trigger{width:100%;min-height:76px;color:var(--ink);text-align:left;cursor:pointer;background:0 0;border:0;justify-content:space-between;align-items:center;gap:18px;padding:14px 4px;display:flex}.scenario-trigger>span{gap:2px;display:grid}.scenario-trigger strong{font-size:1rem}.scenario-trigger small{color:var(--ink-soft);font-size:.78rem}.scenario-trigger b{border:2px solid var(--ink);flex:none;place-items:center;width:34px;height:34px;font-size:1.35rem;display:grid}.scenario-trigger:hover b{background:var(--highlight)}.scenario-trigger:focus-visible{outline:4px solid var(--highlight-dark);outline-offset:4px}.scenario-fields{border-top:1px dashed #16355c6b;padding:22px 0 28px}.objective-fieldset{border:0;margin:0 0 24px;padding:0}.objective-fieldset legend{margin-bottom:10px;font-size:.9rem;font-weight:900}.objective-fieldset label{cursor:pointer;align-items:center;gap:9px;min-height:42px;font-size:.84rem;font-weight:700;display:flex}.objective-fieldset input{width:19px;height:19px;accent-color:var(--ink)}.scenario-grid{grid-template-columns:.65fr 1.35fr;gap:20px;display:grid}.scenario-grid>:last-child{grid-column:1/-1}.field-group select,.text-input{width:100%;height:55px;color:var(--ink);background:#fffef9f0;border:2px solid #16355cb3;border-radius:0;outline:0;padding:0 14px;font-size:1rem;font-weight:800}.field-group select:focus-visible,.text-input:focus-visible{border-color:var(--ink);box-shadow:0 0 0 4px #f6cf468c}.field-group select:disabled{background:var(--paper-deep);color:var(--ink-soft);cursor:not-allowed;opacity:1;border-color:#16355c57}.field-status{min-height:18px;color:var(--ink-soft);margin-top:3px;font-size:.72rem;display:block}.field-status button{min-height:32px;color:var(--ink);text-underline-offset:3px;cursor:pointer;background:0 0;border:0;padding:0;font-weight:900;text-decoration:underline}.field-status button:focus-visible{outline:3px solid var(--highlight-dark);outline-offset:2px}.form-error{color:var(--danger);background:#fff0ee;border:1px solid #9d2f2f6b;margin:8px 0 0;padding:10px 12px;font-weight:700}.primary-button{border:2px solid var(--ink);background:var(--highlight);width:100%;min-height:62px;color:var(--ink);cursor:pointer;box-shadow:5px 5px 0 var(--ink);border-radius:0;justify-content:space-between;align-items:center;margin-top:24px;padding:14px 20px;font-size:1.08rem;font-weight:900;transition:transform .12s,box-shadow .12s,background-color .12s;display:flex}.primary-button:hover{background:#ffda4f}.primary-button:active{box-shadow:1px 1px 0 var(--ink);transform:translate(4px,4px)}.primary-button:focus-visible,a:focus-visible{outline:4px solid var(--highlight-dark);outline-offset:4px}.primary-button span{font-size:1.5rem}.button-note{color:var(--ink-soft);text-align:center;margin:12px 0 0;font-size:.82rem}.result-panel{border:2px solid var(--ink);background:var(--paper-deep);min-height:500px;padding:clamp(28px,2.4vw,40px);position:relative;container-type:inline-size}.result-panel:after{content:"";z-index:-1;border:2px solid var(--ink);position:absolute;inset:8px -8px -8px 8px}.result-empty{flex-direction:column;justify-content:center;display:flex}.result-sketch{place-items:center;width:122px;height:108px;margin:0 auto 38px;display:grid}.brand-symbol-large{width:142px;height:142px}.result-panel .brand-symbol{--brand-house:var(--paper-deep)}.result-panel h2{letter-spacing:-.04em;margin:0;font-family:Georgia,serif;font-size:clamp(1.8rem,2.4vw,2.7rem);line-height:1.08}.result-empty>p:not(.eyebrow){color:var(--ink-soft)}.privacy-list{border-top:1px dashed #16355c73;gap:8px;margin:24px 0 0;padding:22px 0 0;font-size:.83rem;font-weight:700;list-style:none;display:grid}.privacy-list li:before{content:"✓";color:var(--ink);margin-right:9px}.result-ready{background:var(--ink);color:var(--white)}.result-ready .eyebrow{color:#bdc9d8}.big-result{margin:18px 0}.big-result span{text-transform:uppercase;font-family:Consolas,monospace;font-size:.8rem;display:block}.big-result strong{max-width:100%;color:var(--highlight);letter-spacing:-.04em;white-space:nowrap;font-variant-numeric:tabular-nums;font-family:Georgia,serif;font-size:clamp(2.65rem,15cqi,4.35rem);line-height:.98;display:block}.result-summary{color:#d4dce5;margin-bottom:26px;font-size:.9rem}.result-grid{border-top:1px solid #ffffff4d;border-left:1px solid #ffffff4d;grid-template-columns:1fr 1fr;margin:0;display:grid}.result-grid div{border-bottom:1px solid #ffffff4d;border-right:1px solid #ffffff4d;padding:14px}.result-grid dt{color:#bdc9d8;font-size:.78rem}.result-grid dd{overflow-wrap:anywhere;font-variant-numeric:tabular-nums;margin:3px 0 0;font-size:1rem;font-weight:900}.limit-note{color:var(--ink);background:var(--highlight);gap:12px;margin-top:22px;padding:13px 15px;font-size:.82rem;display:flex}.limit-note span{font-size:1.2rem;font-weight:900}.limit-note p,.cost-note{margin:0}.cost-note{color:#d4dce5;margin-top:18px;font-size:.82rem}.mcmv-result,.target-result{border-top:1px solid #ffffff57;margin-top:22px;padding-top:20px}.mcmv-heading{justify-content:space-between;align-items:flex-start;gap:14px;display:flex}.mcmv-heading p,.target-result p{color:#bdc9d8;letter-spacing:.08em;text-transform:uppercase;margin:0 0 3px;font-size:.73rem;font-weight:800}.mcmv-heading h3{color:var(--highlight);margin:0;font-family:Georgia,serif;font-size:1.45rem;line-height:1.05}.mcmv-heading>span{color:#d4dce5;letter-spacing:.07em;text-transform:uppercase;border:1px solid #ffffff80;padding:4px 7px;font-size:.66rem;font-weight:900}.mcmv-result>p{color:#d4dce5;font-size:.82rem}.mcmv-facts{background:#ffffff40;grid-template-columns:1fr 1fr;gap:1px;margin:14px 0;display:grid}.mcmv-facts div{background:var(--ink);padding:11px}.mcmv-facts div:only-child{grid-column:1/-1}.mcmv-facts dt{color:#bdc9d8;font-size:.7rem}.mcmv-facts dd{margin:3px 0 0;font-size:.86rem;font-weight:900}.mcmv-result .mcmv-alert,.mcmv-result .mcmv-positive,.mcmv-result .mcmv-pending,.mcmv-result .mcmv-missing{color:var(--ink);background:var(--highlight);padding:10px 12px}.mcmv-result .mcmv-alert{background:#ffd7d2}.mcmv-result .mcmv-positive{background:#dcebd8}.mcmv-result .mcmv-missing{background:var(--paper-deep);margin-bottom:12px}.mcmv-result small{color:#bdc9d8;margin:10px 0;font-size:.72rem;display:block}.mcmv-result a{color:var(--white);text-underline-offset:4px;font-size:.78rem;font-weight:800}.target-result{gap:5px;display:grid}.target-result>strong{color:var(--white);font-family:Georgia,serif;font-size:1.5rem}.target-result>span{font-size:.82rem;font-weight:800}.target-fits{color:#cbe8c3}.target-gap{color:#ffd7d2}.exclusions-note{color:#d4dce5;border-top:1px dashed #ffffff59;margin:12px 0 0;padding-top:12px;font-size:.82rem}.method-section{border-top:1px solid #16355c40;grid-template-columns:minmax(260px,.8fr) minmax(500px,1.4fr);gap:80px;width:min(1120px,100% - 48px);margin:0 auto;padding:110px 0;display:grid}.method-title h2{letter-spacing:-.05em;margin:0 0 20px;font-family:Georgia,serif;font-size:clamp(2.2rem,4vw,4rem);line-height:1}.method-title>p:last-child{color:var(--ink-soft)}.assumption-list{border-top:2px solid var(--ink)}.assumption-list>div{border-bottom:1px solid #16355c52;grid-template-columns:50px 1fr 1fr;align-items:center;gap:18px;padding:19px 0;display:grid}.assumption-list span{font-family:Consolas,monospace;font-size:.75rem}.assumption-list p{color:var(--ink-soft);margin:0;font-size:.85rem}.assumption-list strong{font-size:.9rem}.version-note{color:var(--ink-soft);grid-column:2;margin:-55px 0 0;font-family:Consolas,monospace;font-size:.78rem}footer{background:var(--ink);min-height:190px;color:var(--white);grid-template-columns:1fr 1fr 1fr;align-items:center;gap:28px;padding:38px max(24px,50vw - 590px);display:grid}.footer-brand{color:var(--white);--brand-house:var(--ink)}.footer-brand .brand-symbol,.footer-brand .brand-wordmark{--ink:var(--white)}.footer-brand .brand-wordmark b{color:var(--highlight)}.footer-brand .brand-wordmark small{color:var(--white)}footer p{text-align:center;margin:0;font-family:Georgia,serif;font-size:1.15rem}footer small{color:#bdc9d8;text-align:right}.text-link{text-underline-offset:6px;align-items:center;gap:10px;font-weight:900;text-decoration-thickness:2px;display:inline-flex}.home-guides{border-top:1px solid #16355c40;grid-template-columns:minmax(250px,.72fr) minmax(500px,1.28fr);gap:80px;width:min(1120px,100% - 48px);margin:0 auto;padding:96px 0 110px;display:grid}.home-guides h2{letter-spacing:-.04em;max-width:470px;margin:0 0 22px;font-family:Georgia,serif;font-size:clamp(2.3rem,4.2vw,4.2rem);line-height:.98}.home-guides>div:first-child>p{max-width:440px;color:var(--ink-soft);margin:0 0 24px}.home-guide-links,.guide-list{border-top:2px solid var(--ink)}.home-guide-links>a{border-bottom:1px solid #16355c4d;gap:7px;padding:24px 4px;text-decoration:none;display:grid}.home-guide-links>a:hover strong{text-decoration:underline;-webkit-text-decoration-color:var(--highlight-dark);-webkit-text-decoration-color:var(--highlight-dark);-webkit-text-decoration-color:var(--highlight-dark);text-decoration-color:var(--highlight-dark);text-underline-offset:6px;text-decoration-thickness:3px}.home-guide-links strong{font-family:Georgia,serif;font-size:1.35rem;line-height:1.2}.home-guide-links span{color:var(--ink-soft);font-size:.9rem}.content-article,.guides-index{width:min(1120px,100% - 48px);margin:0 auto;padding:72px 0 120px}.content-hero{border-bottom:2px solid var(--ink);max-width:850px;padding:42px 0 64px}.content-hero h1{max-width:850px;font-size:clamp(3.1rem,6.5vw,5.8rem);line-height:.98}.content-hero>p:last-child{max-width:700px;color:var(--ink-soft);margin:28px 0 0;font-size:1.2rem}.content-updated{color:var(--ink-soft);letter-spacing:.06em;text-transform:uppercase;margin:0 0 22px;font-family:Consolas,Courier New,monospace;font-size:.76rem;font-weight:700}.content-layout{grid-template-columns:220px minmax(0,720px);align-items:start;gap:clamp(52px,8vw,110px);padding-top:58px;display:grid}.article-index{border-top:2px solid var(--ink);display:grid;position:sticky;top:28px}.article-index strong{letter-spacing:.08em;text-transform:uppercase;padding:15px 0 11px;font-size:.8rem}.article-index a{color:var(--ink-soft);border-top:1px solid #16355c38;padding:9px 0;font-size:.83rem;font-weight:700;line-height:1.3;text-decoration:none}.article-index a:hover{color:var(--ink);text-decoration:underline;-webkit-text-decoration-color:var(--highlight-dark);-webkit-text-decoration-color:var(--highlight-dark);-webkit-text-decoration-color:var(--highlight-dark);text-decoration-color:var(--highlight-dark);text-underline-offset:4px}.article-body section{border-bottom:1px solid #16355c42;margin:0 0 52px;padding:0 0 56px;scroll-margin-top:32px}.article-body h2,.guide-list h2{letter-spacing:-.035em;margin:0 0 22px;font-family:Georgia,serif;font-size:clamp(2rem,3.7vw,3.25rem);line-height:1.04}.article-body p,.article-body li{color:#29486d;font-size:1.05rem;line-height:1.75}.article-body p{margin:0 0 22px}.article-body ul{background:var(--paper-deep);border-top:2px solid var(--ink);gap:10px;margin:28px 0 0;padding:20px 24px 20px 44px;display:grid}.reference-links{border-top:2px solid var(--ink);margin-top:28px;display:grid}.reference-links a{border-bottom:1px solid #16355c42;justify-content:space-between;gap:20px;padding:14px 2px;font-weight:850;text-decoration:none;display:flex}.reference-links a:hover{text-decoration:underline;-webkit-text-decoration-color:var(--highlight-dark);-webkit-text-decoration-color:var(--highlight-dark);-webkit-text-decoration-color:var(--highlight-dark);text-decoration-color:var(--highlight-dark);text-underline-offset:5px}.guides-hero{max-width:920px}.guide-list{margin-top:58px}.guide-list article{border-bottom:1px solid #16355c4d;grid-template-columns:72px minmax(0,760px);gap:28px;padding:36px 0 42px;display:grid}.guide-list article>span{padding-top:7px;font-family:Consolas,monospace;font-size:.8rem;font-weight:800}.guide-list h2{margin-bottom:12px}.guide-list h2 a{text-decoration:none}.guide-list h2 a:hover{text-decoration:underline;-webkit-text-decoration-color:var(--highlight-dark);-webkit-text-decoration-color:var(--highlight-dark);-webkit-text-decoration-color:var(--highlight-dark);text-decoration-color:var(--highlight-dark);text-underline-offset:7px;text-decoration-thickness:4px}.guide-list p{max-width:680px;color:var(--ink-soft);margin:0 0 18px}.site-footer{grid-template-columns:minmax(250px,.9fr) minmax(400px,1.4fr) minmax(210px,.7fr);align-items:start;gap:52px;padding-top:64px;padding-bottom:64px}.footer-identity p{color:#d4dce5;max-width:300px;margin:24px 0 0;font-family:Georgia,serif;font-size:1.08rem}.footer-navigation{grid-template-columns:repeat(3,1fr);gap:28px;display:grid}.footer-navigation>div,.footer-disclaimer{align-content:start;gap:10px;display:grid}.footer-navigation strong{color:var(--highlight);letter-spacing:.08em;text-transform:uppercase;margin-bottom:4px;font-size:.75rem}.footer-navigation a{color:#e7edf3;text-underline-offset:4px;font-size:.86rem;font-weight:700;text-decoration-color:#fff6}.footer-disclaimer{gap:18px}.footer-disclaimer small{color:#bdc9d8;text-align:right}@media (max-width:1180px){.site-header{width:min(100% - 48px,1040px)}.hero{grid-template-columns:minmax(250px,.65fr) minmax(430px,1fr);width:min(1040px,100% - 48px)}.intro-copy{align-self:center;padding-top:0}.result-panel{grid-column:1/-1;min-height:auto}.result-ready{grid-template-columns:minmax(280px,.9fr) minmax(420px,1.1fr);gap:24px 40px;display:grid}.result-ready>.eyebrow,.result-ready>.big-result,.result-ready>.result-summary{grid-column:1}.result-ready>.result-grid,.result-ready>.limit-note,.result-ready>.cost-note,.result-ready>.exclusions-note{grid-column:2}.result-ready>.result-grid{grid-row:1/span 3}.result-ready>.limit-note{margin-top:0}.result-ready>.mcmv-result,.result-ready>.target-result{grid-column:1/-1}.result-empty{grid-template-columns:130px 1fr;column-gap:28px;display:grid}.result-empty .result-sketch{grid-row:1/5;align-self:center}.result-empty .privacy-list{flex-wrap:wrap;gap:10px 24px;display:flex}}@media (max-width:900px){.hero{grid-template-columns:minmax(0,1fr)}.intro-copy{width:min(100%,680px)}.result-ready{display:block}.method-section{grid-template-columns:minmax(0,1fr);gap:48px}.version-note{grid-column:1;margin:0}}@media (max-width:760px){body{font-size:16px}.site-header{width:calc(100% - 32px);min-height:96px}.brand{gap:10px}.brand-symbol{width:64px;height:64px}.brand-wordmark{column-gap:4px;font-size:1.08rem}.brand-wordmark>strong{font-size:1.42rem}.brand-wordmark small{display:none}.header-link{text-align:right;max-width:82px;font-size:.78rem;line-height:1.2}.hero{flex-direction:column;gap:34px;width:100%;padding:34px 14px 64px;display:flex;overflow:hidden}.intro-copy{width:100%;padding:0 8px}h1{font-size:clamp(2.8rem,14vw,4.6rem)}.lead{margin:22px 0}.reassurance{padding-top:20px}.calculator-sheet,.result-panel{width:100%}.calculator-sheet{padding:28px 20px 32px;box-shadow:6px 7px #16355c1f}.form-grid{grid-template-columns:1fr;gap:18px}.scenario-grid{grid-template-columns:1fr}.scenario-grid>:last-child{grid-column:1}.field-group small{min-height:auto}.result-empty{display:flex}.result-ready{display:block}.result-sketch{margin-left:0}.result-empty .privacy-list{display:grid}.big-result strong{font-size:clamp(2.4rem,14cqi,4rem)}.method-section{grid-template-columns:1fr;gap:40px;width:calc(100% - 36px);padding:76px 0}.assumption-list>div{grid-template-columns:36px 1fr;gap:4px 12px}.assumption-list strong{grid-column:2}.version-note{grid-column:1;margin:0}footer{grid-template-columns:1fr;justify-items:start;padding:48px 24px}footer p,footer small{text-align:left}}.contact-link{background:var(--highlight);border:2px solid var(--ink);gap:14px;margin-top:30px;padding:16px 20px;font-weight:900;text-decoration:none;display:inline-flex;box-shadow:4px 5px #16355c24}.contact-link:hover{background:#ffe46b}@media (max-width:900px){.home-guides,.content-layout{grid-template-columns:1fr}.home-guides{gap:44px}.content-layout{gap:48px}.article-index{grid-template-columns:repeat(2,minmax(0,1fr));column-gap:24px;position:static}.article-index strong{grid-column:1/-1}.site-footer{grid-template-columns:1fr 1.5fr}.footer-disclaimer{grid-column:1/-1;grid-template-columns:1fr auto}}@media (max-width:760px){.site-nav{gap:14px}.site-nav a{max-width:82px;font-size:.76rem;line-height:1.2}.site-nav a:first-child{display:none}.home-guides,.content-article,.guides-index{width:calc(100% - 36px)}.home-guides{padding:72px 0 82px}.content-article,.guides-index{padding:24px 0 80px}.content-hero{padding:30px 0 46px}.content-hero h1{font-size:clamp(2.65rem,13vw,4.2rem)}.content-hero>p:last-child{font-size:1.04rem}.contact-link{overflow-wrap:anywhere;justify-content:space-between;width:100%}.content-layout{padding-top:38px}.article-index,.site-footer,.footer-navigation,.footer-disclaimer{grid-template-columns:1fr}.article-index strong,.footer-disclaimer{grid-column:1}.article-body section{margin-bottom:38px;padding-bottom:38px}.article-body p,.article-body li{font-size:1rem;line-height:1.7}.guide-list article{grid-template-columns:36px minmax(0,1fr);gap:12px}.footer-disclaimer small{text-align:left}}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,:before,:after{transition-duration:.01ms!important;animation-duration:.01ms!important;animation-iteration-count:1!important}}@property --tw-border-style{syntax:"*";inherits:false;initial-value:solid}
