:root{--ink:#132d36;--muted:#53676c;--lime:#d9f568;--cyan:#dff4f5;--line:#d7e1e0;--paper:#fff;--blue:#284cea;--radius:16px;font-family:Arial,Helvetica,sans-serif;font-size:16px;color:var(--ink);background:var(--paper);line-height:1.6;font-synthesis:none}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:28px}body{margin:0}button,input{font:inherit}a{color:inherit;text-underline-offset:5px}button,a,input,summary{touch-action:manipulation}button{cursor:pointer}button:disabled{cursor:not-allowed;opacity:.55}button:focus-visible,a:focus-visible,input:focus-visible,summary:focus-visible{outline:3px solid var(--blue);outline-offset:5px}h1,h2,h3,p{margin:0}h1,h2,h3{line-height:1.08;letter-spacing:-.045em}h1{font-size:clamp(2.8rem,4.2vw,4.8rem);font-weight:750}h2{font-size:clamp(2rem,3vw,3.2rem)}h3{font-size:1.2rem;letter-spacing:-.025em}p{line-height:1.65}.section-shell{width:min(1280px,calc(100% - 96px));margin-inline:auto}.site-header{width:min(1380px,calc(100% - 96px));margin:auto;height:104px;display:flex;align-items:center;justify-content:space-between;border-bottom:1px solid var(--line);gap:24px}.brand{display:flex;gap:11px;align-items:center;font-weight:750;line-height:.95;font-size:1.4rem;text-decoration:none;letter-spacing:-.06em}.brand-second{display:block}.brand-mark{display:flex;align-items:center;justify-content:center;width:43px;height:43px;background:var(--ink);color:var(--lime);border-radius:10px;font-size:2rem;letter-spacing:-.1em;padding-right:3px}.site-header nav{display:flex;gap:34px;font-size:.94rem;font-weight:600}.site-header nav a{text-decoration:none}.site-header nav a:hover{text-decoration:underline}.nav-action{border:1px solid var(--ink);padding:10px 18px;border-radius:7px;text-decoration:none;font-weight:600;font-size:.94rem}.hero{display:grid;grid-template-columns:1.1fr 1fr;gap:76px;align-items:center;padding-top:52px;padding-bottom:50px}.eyebrow{font-size:.78rem;font-weight:750;letter-spacing:.13em;line-height:1.5}.hero-copy .eyebrow{display:flex;gap:10px;align-items:center;margin-bottom:24px}.small-square{width:8px;height:8px;background:var(--blue);display:inline-block}.highlight{display:inline-block;background:var(--lime);padding:0 8px 7px;margin-left:-8px;margin-top:8px}.hero-description{margin-top:27px;font-size:1.16rem;max-width:440px;color:var(--muted)}.hero-benefits{display:flex;flex-wrap:wrap;gap:12px 20px;margin:25px 0 29px;font-size:.87rem;font-weight:600}.hero-benefits span{display:flex;align-items:center;gap:7px}.hero-benefits span:before{content:'✓';color:var(--blue)}.text-link{font-weight:650;font-size:.94rem}.hero-note{display:flex;gap:14px;align-items:flex-start;border-top:1px solid var(--line);padding-top:22px;max-width:430px;margin-top:46px}.hero-note p{font-size:.87rem;color:var(--muted)}.note-icon{border:1px solid var(--muted);border-radius:50%;width:22px;height:22px;flex:none;display:flex;align-items:center;justify-content:center;font-size:.85rem;font-weight:600}.calculator-card{border:1px solid var(--line);border-radius:var(--radius);padding:28px;background:#f8faf9;scroll-margin-top:24px}.card-top{display:flex;justify-content:space-between;align-items:center;gap:8px;margin-bottom:16px}.pill{background:var(--cyan);font-size:.75rem;border-radius:20px;padding:4px 11px;font-weight:600}.calculator-card h2{font-size:1.8rem;letter-spacing:-.04em}.calculator-card>p{font-size:.9rem;color:var(--muted);margin-top:10px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:17px 18px;margin-top:24px}label{display:block;font-size:.875rem;font-weight:600;line-height:1.4}input{display:block;width:100%;height:48px;padding:10px 13px;background:white;border:1px solid #c4d3d2;border-radius:6px;margin-top:7px;color:var(--ink);font-weight:600;min-width:0}.input-wrap{position:relative}.input-wrap input{padding-right:30px}.input-wrap>span{position:absolute;right:13px;top:11px;font-weight:400;color:var(--muted)}.button{display:inline-flex;align-items:center;justify-content:center;text-decoration:none;border-radius:6px;min-height:47px;padding:12px 21px;border:1px solid transparent;font-weight:650;font-size:.94rem;transition:background .15s,color .15s,transform .15s;gap:8px}.button:hover{transform:translateY(-2px)}.button-dark{background:var(--ink);color:white}.button-dark:hover{background:#24444d}.button-lime{background:var(--lime);color:var(--ink)}.button-lime:hover{background:#e5ff86}.button-outline{border-color:var(--ink);color:var(--ink);background:transparent}.button-outline:hover{background:white}.full{width:100%;margin-top:23px}.small-copy{font-size:.8rem!important;line-height:1.6!important;color:var(--muted);margin-top:14px}.form-error{font-size:.87rem;color:#a02336;margin-top:8px}.form-error:empty{display:none}.result-strip{display:grid;grid-template-columns:1.1fr 1fr 1fr 1fr 1fr;background:var(--ink);color:#fff;padding:30px 28px;gap:18px;border-radius:10px}.result-intro .eyebrow{font-size:.68rem;color:var(--lime)}.result-intro p{font-size:.95rem;line-height:1.4;margin-top:8px}.result-item{border-left:1px solid #476068;padding-left:20px;display:flex;flex-direction:column;justify-content:center}.result-item>span{font-size:.82rem;color:#c9d8da}.result-item strong{font-size:clamp(1.1rem,1.9vw,1.75rem);letter-spacing:-.04em;margin-top:7px;line-height:1.3}.method-section{padding:90px 0;display:grid;grid-template-columns:1fr 2fr;gap:50px}.section-heading .eyebrow{color:var(--muted);margin-bottom:18px}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:30px;padding-top:10px}.step-number{width:43px;height:43px;display:flex;align-items:center;justify-content:center;background:var(--cyan);border-radius:7px;font-size:.9rem;font-weight:750;margin-bottom:23px}.step h3{line-height:1.2}.step p{font-size:.92rem;margin-top:12px;color:var(--muted)}.plan-section{background:var(--cyan);border-radius:14px;padding:46px 54px;display:grid;grid-template-columns:1fr 1fr;gap:85px;margin-bottom:90px}.plan-copy .eyebrow{margin-bottom:17px}.plan-copy>p:not(.eyebrow){font-size:.95rem;max-width:370px;margin-top:18px}.button-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}.plan-visual{align-self:center;background:white;border-radius:12px;padding:32px}.visual-heading{display:flex;justify-content:space-between;gap:18px;font-size:.85rem;font-weight:650}.visual-heading span:last-child{color:var(--muted)}.reserve-bar{height:24px;border-radius:4px;background:#edf1f1;margin:21px 0 28px;overflow:hidden}.reserve-bar span{display:block;height:100%;width:55.56%;background:var(--blue);transition:width .25s}.allocation-line{display:flex;justify-content:space-between;gap:14px;font-size:.9rem;margin-top:16px}.allocation-line>span{display:flex;align-items:center;gap:9px}.legend-dot{width:8px;height:8px;display:inline-block}.personal-dot{background:var(--blue)}.professional-dot{background:var(--lime)}.visual-bottom{margin-top:28px;padding-top:20px;border-top:1px solid var(--line);display:flex;align-items:center;gap:16px}.visual-bottom p{font-size:.83rem;color:var(--muted);line-height:1.5}.plus-sign{font-size:1.7rem;color:var(--blue)}.budget-section{background:var(--ink);color:white;padding:72px 0}.budget-layout{display:grid;grid-template-columns:.95fr 1fr;gap:105px;align-items:center}.budget-copy>.eyebrow{color:var(--lime);margin-bottom:22px}.budget-copy h2{font-size:clamp(2.4rem,3.7vw,4rem)}.budget-copy h2>span{color:var(--lime)}.budget-copy>p:not(.eyebrow){margin-top:24px;max-width:365px;color:#ccdadd;font-size:1rem}.budget-summary{margin:30px 0 24px;border-top:1px solid #46606a;padding-top:22px;max-width:400px}.budget-summary>span{font-size:.87rem;color:#ccdadc}.budget-summary strong{display:block;font-size:2.5rem;letter-spacing:-.05em;margin:4px 0 8px}.budget-summary p{font-size:.84rem;color:#ccdadc}.budget-link{display:block;font-size:.85rem;color:#d8e6e8;margin-top:16px}.budget-card{background:white;color:var(--ink);padding:28px;border-radius:14px}.budget-card .form-grid{margin-top:0}.guides-section{padding-top:90px;padding-bottom:75px}.guides-heading{display:flex;align-items:flex-end;justify-content:space-between;gap:40px;margin-bottom:38px}.guides-heading>p{max-width:360px;color:var(--muted);font-size:.96rem}.guide-list{border-top:1px solid var(--line)}.article-guide{border-bottom:1px solid var(--line);scroll-margin-top:26px}.article-guide>summary{cursor:pointer;display:grid;grid-template-columns:42px 1fr auto 25px;gap:22px;align-items:center;list-style:none;padding:22px 0}.article-guide>summary::-webkit-details-marker{display:none}.guide-number{font-size:.8rem;color:var(--muted)}.guide-title{font-size:1.05rem;font-weight:650;letter-spacing:-.015em;line-height:1.4}.guide-category{font-size:.75rem;color:var(--muted);background:#f0f4f3;padding:5px 10px;border-radius:4px}.guide-plus{font-size:1.6rem;font-weight:400;text-align:center;line-height:1}.article-guide[open]>summary{background:var(--cyan)}.article-guide[open] .guide-plus{transform:rotate(45deg)}.article-content{max-width:780px;margin:0 auto;padding:14px 20px 38px;font-size:1rem;overflow-wrap:anywhere}.article-content h3{font-size:1.4rem;margin:32px 0 15px;letter-spacing:-.03em}.article-content h4{font-size:1.08rem;margin:23px 0 12px;line-height:1.3}.article-content p{margin-top:16px}.article-content a{color:#174bc8}.table-wrap{overflow-x:auto;margin:22px 0}table{width:100%;border-collapse:collapse;font-size:.88rem}th,td{border:1px solid var(--line);padding:10px;text-align:left;vertical-align:top}th{background:var(--cyan)}.article-share{margin-top:25px;background:transparent;color:var(--ink);border:1px solid var(--ink);padding:9px 15px;border-radius:5px;font-size:.86rem}.share-section{border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding-top:48px;padding-bottom:48px;display:grid;grid-template-columns:1.2fr 1fr;gap:70px}.share-section .eyebrow{color:var(--muted);margin-bottom:18px}.share-section h2{font-size:2rem}.share-section p:not(.eyebrow){font-size:.93rem;color:var(--muted);margin-top:15px;max-width:420px}.share-actions{align-self:center;display:flex;flex-direction:column;align-items:flex-start;gap:18px}.faq-section{padding-top:80px;padding-bottom:80px;display:grid;grid-template-columns:.9fr 1.2fr;gap:70px}.faq-list details{border-bottom:1px solid var(--line);padding:18px 0}.faq-list details:first-child{border-top:1px solid var(--line)}.faq-list summary{font-weight:600;cursor:pointer;font-size:1rem}.faq-list p{font-size:.94rem;color:var(--muted);margin:16px 0 2px}.closing-section{text-align:center;background:var(--blue);color:white;border-radius:12px;padding:48px 24px;margin-bottom:62px}.closing-section .eyebrow{color:#dbe4ff;margin-bottom:19px}.closing-section h2{font-size:clamp(1.7rem,2.7vw,2.7rem);line-height:1.2}.closing-section .button{margin-top:25px}.site-footer{padding-bottom:24px}.footer-top{display:flex;justify-content:space-between;align-items:center;gap:25px;padding-bottom:30px}.footer-top p{font-size:.88rem;color:var(--muted)}.footer-top>a:last-child{font-size:.83rem;color:var(--muted)}.site-footer details{font-size:.8rem;color:var(--muted);padding:16px 0;border-top:1px solid var(--line)}.site-footer details p{margin-top:12px;max-width:900px}.site-footer summary{cursor:pointer}.footer-bottom{border-top:1px solid var(--line);display:flex;justify-content:space-between;gap:18px;padding-top:18px;font-size:.75rem;color:var(--muted)}.toast{position:fixed;bottom:24px;left:50%;transform:translateX(-50%);max-width:calc(100% - 30px);background:var(--ink);color:white;padding:13px 23px;border-radius:7px;font-size:.94rem;z-index:20}.toast[hidden]{display:none}.sr-only,.skip-link:not(:focus){position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.skip-link:focus{position:fixed;top:10px;left:10px;z-index:99;background:var(--lime);padding:10px}.input-wrap>span{pointer-events:none}@media(min-width:1600px){.hero{gap:100px}}@media(max-width:1050px){.section-shell,.site-header{width:calc(100% - 48px)}.hero{gap:32px}.hero h1{font-size:3rem}.method-section{grid-template-columns:1fr;padding:65px 0;gap:34px}.method-section h2 br{display:none}.plan-section{gap:40px;padding:36px}.budget-layout{gap:42px}.result-strip{grid-template-columns:repeat(4,1fr)}.result-intro{grid-column:1/-1;display:flex;gap:20px;align-items:center}.result-intro p{margin:0}.result-intro br{display:none}.result-item:first-of-type{border:0;padding-left:0}.guide-category{display:none}.article-guide>summary{grid-template-columns:35px 1fr 25px}.faq-section{gap:35px}.button-row{flex-direction:column;align-items:flex-start}}@media(max-width:720px){.section-shell,.site-header{width:calc(100% - 36px)}.site-header{height:85px;gap:14px}.site-header nav{gap:18px;font-size:.85rem}.site-header nav a:nth-child(2){display:none}.nav-action{display:none}.brand{font-size:1.22rem}.brand-mark{width:38px;height:38px}.hero{grid-template-columns:1fr;gap:34px;padding-top:36px;padding-bottom:32px}.hero h1{font-size:clamp(2.5rem,9vw,3.8rem)}.hero-description{font-size:1.05rem;max-width:100%;margin-top:20px}.hero-benefits{margin:18px 0}.hero-note{display:none}.hero-copy .eyebrow{font-size:.68rem;margin-bottom:18px}.calculator-card{padding:22px}.calculator-card h2{font-size:1.5rem}.form-grid{gap:17px 13px}label{font-size:.85rem}.result-strip{grid-template-columns:1fr 1fr;gap:24px;padding:24px}.result-item{padding-left:0;border:0}.result-item strong{font-size:1.7rem}.result-intro{display:block}.result-intro p{margin-top:6px}.steps{grid-template-columns:1fr;gap:29px}.step{display:grid;grid-template-columns:46px 1fr;gap:0 18px}.step-number{grid-row:1/3;margin:0}.step p{margin-top:8px}.method-section{padding:56px 0}.plan-section{grid-template-columns:1fr;padding:28px 22px;gap:29px;margin-bottom:55px}.plan-copy h2{font-size:2.2rem}.plan-copy h2 br:nth-child(2){display:none}.button-row{flex-direction:row}.plan-visual{padding:23px}.budget-section{padding:48px 0}.budget-layout{grid-template-columns:1fr;gap:30px}.budget-copy h2{font-size:2.7rem}.budget-summary{max-width:100%;margin-top:24px}.budget-copy>p:not(.eyebrow){max-width:100%}.budget-card{padding:22px}.guides-section{padding-top:57px;padding-bottom:48px}.guides-heading{display:block}.guides-heading>p{margin-top:20px}.guides-heading h2 br{display:none}.article-guide>summary{gap:13px;padding:20px 0;grid-template-columns:27px 1fr 20px}.guide-title{font-size:.97rem}.article-content{padding:10px 0 32px}.article-content h3{font-size:1.3rem}.share-section{grid-template-columns:1fr;gap:27px;padding:35px 0}.share-section h2{font-size:1.8rem}.faq-section{grid-template-columns:1fr;gap:26px;padding:52px 0}.faq-section h2{font-size:2rem}.closing-section{padding:36px 20px;margin-bottom:42px}.closing-section h2 br{display:none}.footer-top{flex-wrap:wrap;align-items:flex-start;gap:20px}.footer-top p{flex-basis:100%;order:3}.footer-bottom{flex-direction:column;gap:5px}}@media(max-width:380px){.form-grid{grid-template-columns:1fr}.hero-benefits{gap:10px}.visual-heading{flex-direction:column;gap:6px}.allocation-line{flex-direction:column;gap:5px}.button-row .button{width:100%}.site-header nav{gap:12px}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{transition:none!important}}@media print{.site-header,.button,.nav-action,.share-section,.closing-section,.toast{display:none}.section-shell{width:100%}.hero,.plan-section,.budget-layout,.faq-section{display:block}.result-strip,.budget-section{background:white;color:var(--ink)}.result-item>span,.budget-summary>span,.budget-summary p{color:var(--ink)}.hero,.guides-section,.method-section{padding:20px 0}.article-guide{break-inside:auto}.article-content{max-width:none}.guide-plus{display:none}}
