@charset "UTF-8";
:root{--blue:#1265e8;--deep:#123b8b;--ink:#172d4c;--muted:#5f718b;--line:#dce6f2;--bg:#f4f8fd;--mint:#d9f9ec;--radius:24px;--shadow:0 14px 45px #244b8610}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:88px}body{margin:0;background:var(--bg);color:var(--ink);font:16px/1.65 system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}a{color:var(--blue);text-underline-offset:4px}button,input,select{font:inherit}button,a,input,select,summary{-webkit-tap-highlight-color:transparent}button,a,summary{touch-action:manipulation}button{cursor:pointer}button:disabled{opacity:.6;cursor:default}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid #f4b83e;outline-offset:4px}h1,h2,h3,p{margin-top:0}h1,h2,h3{line-height:1.2;letter-spacing:-.035em}h1{font-size:clamp(34px,4.5vw,61px);font-weight:750;margin-bottom:22px}h2{font-size:clamp(26px,3vw,37px);margin-bottom:16px}h3{font-size:20px;margin-bottom:12px}p{margin-bottom:16px}small,.hint{font-size:13px;line-height:1.6;color:var(--muted)}[hidden]{display:none!important}.container{width:min(1180px,calc(100% - 40px));margin:auto}.skip{position:fixed;top:-100px;left:16px;z-index:100;background:white;padding:12px}.skip:focus{top:10px}.header{position:sticky;top:0;background:#ffffffed;backdrop-filter:blur(16px);z-index:20;border-bottom:1px solid var(--line)}.topbar{min-height:78px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{font-size:20px;font-weight:750;display:flex;align-items:center;gap:8px;text-decoration:none;color:var(--ink);letter-spacing:-.6px}.brand-icon{display:grid;place-items:center;width:37px;height:40px;border-radius:12px;background:linear-gradient(130deg,#105ce1,#42b4fa);color:white;font-size:25px}.brand-light{font-weight:450;color:var(--muted)}.topbar nav{display:flex;gap:28px;font-size:14px}.topbar nav a{text-decoration:none;color:var(--ink)}.header-cta{font-size:14px;font-weight:650;text-decoration:none;background:#edf4ff;padding:10px 18px;border-radius:12px}.hero{overflow:hidden;background:radial-gradient(ellipse at 92% 5%,#4cb8fa77,transparent 45%),linear-gradient(125deg,#103b90,#1265e8 65%,#237be8);color:white;padding:64px 0 58px}.hero-layout{display:grid;grid-template-columns:1.6fr 1fr;gap:70px;align-items:center}.eyebrow{font-size:11px;font-weight:800;letter-spacing:2px;margin-bottom:16px;display:block}.eyebrow.blue{color:var(--blue)}h1 em{font-style:normal;color:#bde5ff}.lead{font-size:18px;color:#dceaff;line-height:1.7;max-width:720px}.lead.dark{color:var(--muted)}.hero-links{display:flex;align-items:center;gap:24px;flex-wrap:wrap;margin:28px 0}.hero-links>a{color:white}.hero-links>.white{color:var(--blue)}.button{display:inline-flex;justify-content:center;align-items:center;gap:20px;min-height:51px;padding:12px 24px;border:1px solid transparent;border-radius:13px;background:linear-gradient(120deg,#1265e8,#248cf1);color:white;text-decoration:none;font-weight:650;line-height:1.4;box-shadow:0 7px 16px #1265e818;transition:transform .15s,box-shadow .15s}.button:hover{transform:translateY(-1px);box-shadow:0 10px 24px #1265e82b}.button.white{background:white;color:var(--blue)}.button.secondary{background:#edf4ff;color:var(--blue);border-color:#d7e5fc;box-shadow:none}.button.small{min-height:42px;padding:9px 15px;font-size:13px}.hero-tags{display:flex;gap:18px;flex-wrap:wrap;font-size:12px;color:#d9e9ff}.hero-card{padding:30px;border:1px solid #ffffff38;border-radius:28px;background:linear-gradient(135deg,#ffffff22,#ffffff0b);box-shadow:0 20px 60px #03296a24;transform:rotate(2deg)}.mini-label{font-size:10px;font-weight:700;letter-spacing:1.5px;color:#d1e8ff}.hero-money{font-size:43px;font-weight:750;line-height:1.15;margin-top:22px;letter-spacing:-2px}.hero-money span{display:block;font-size:14px;font-weight:450;letter-spacing:0;margin-top:8px}.hero-card p{font-size:14px;margin:26px 0 10px;color:#e4efff}.hero-card small{color:#c3ddff;font-size:11px}.plus{font-size:24px;color:#9ed4ff;margin-bottom:-12px}.meta{display:flex;flex-wrap:wrap;gap:20px;font-size:12px;color:var(--muted);padding:20px 0}.meta a{margin-left:auto}.toc{display:flex;gap:10px;flex-wrap:wrap;padding:8px 0 0}.toc a{border:1px solid var(--line);background:white;padding:7px 13px;border-radius:999px;text-decoration:none;font-size:12px;color:var(--muted)}.section{margin-top:62px}.section-heading{display:flex;justify-content:space-between;align-items:center;gap:24px;margin-bottom:24px}.section-heading p{color:var(--muted);margin:0}.pill{background:#e7f0ff;color:#215fbd;padding:7px 13px;border-radius:999px;font-size:12px;white-space:nowrap}.card{background:white;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:28px}.calculator{padding:0;overflow:hidden}.calc-top{background:#fbfdff;border-bottom:1px solid var(--line);padding:22px 32px;display:flex;justify-content:space-between;align-items:center;gap:20px}.calc-top>span{font-size:12px;color:var(--muted)}.stepper{display:flex;gap:30px;list-style:none;margin:0;padding:0;font-size:14px;color:var(--muted)}.stepper li{display:flex;align-items:center;gap:10px}.stepper span{border-radius:50%;width:30px;height:30px;background:#e9eff7;display:grid;place-items:center;font-size:12px;font-weight:750}.stepper [aria-current]{color:var(--blue);font-weight:700}.stepper [aria-current] span{background:var(--blue);color:white}.stepper .done span{background:var(--mint);color:#147b58}#calcForm{padding:32px;max-width:960px;margin:auto}fieldset{padding:0;margin:0;border:0;min-width:0}.step-panel>legend{font-size:24px;font-weight:730;margin-bottom:25px;line-height:1.3}.grid{display:grid;gap:22px}.two{grid-template-columns:repeat(2,minmax(0,1fr))}.three{grid-template-columns:repeat(3,minmax(0,1fr))}.field{display:flex;flex-direction:column;gap:8px;margin-bottom:18px;font-size:14px;font-weight:600;min-width:0}.field input,.field select{width:100%;height:52px;border:1px solid #cbd9eb;border-radius:12px;padding:10px 13px;background:#fcfdff;color:var(--ink);font-size:16px;min-width:0}.field input:hover,.field select:hover{border-color:#94b3dd}.field input:focus,.field select:focus{border-color:var(--blue);background:white}.field small{font-weight:400;font-size:12px}.check{display:flex;align-items:flex-start;gap:12px;font-size:14px;margin:18px 0;cursor:pointer}.check input,.checklist input{accent-color:var(--blue);width:19px;height:19px;flex-shrink:0;margin:3px 0 0}.check small{display:block}.conditional{background:#f4f8fe;border:1px solid #e3edf9;padding:22px;border-radius:16px;margin:18px 0}.conditional .conditional{background:white}.conditional>p:last-child{margin-bottom:0}.person{margin:24px 0;padding:23px;border:1px solid var(--line);border-radius:16px}.person legend{padding:0 10px;font-weight:750}.person .check{margin-bottom:6px}.mode{background:#edf5ff;padding:16px;border-radius:13px}.consent{font-size:12px;color:var(--muted);margin-top:25px}.notice{padding:18px 22px;border:1px solid #f2d99c;border-radius:14px;background:#fffaed;color:#71521c;font-size:14px;margin:20px 0}.notice.subtle{background:#f0f6ff;color:#3c5e8d;border-color:#dbe9fc}.error{background:#fff0f0;border:1px solid #f1b6b6;color:#9e2525;padding:16px;border-radius:12px;margin:18px 0;font-size:14px}.form-actions{display:flex;align-items:center;gap:12px;border-top:1px solid var(--line);padding-top:24px;margin-top:24px}.text-button{color:var(--muted);border:0;background:none;font-size:13px;text-decoration:underline;text-underline-offset:4px;padding:10px}.form-actions .text-button{margin-left:auto}.privacy{font-size:11px;color:var(--muted);margin:18px 0 0}.results{margin-top:24px;padding:0;overflow:hidden;scroll-margin-top:100px}.result-header{background:linear-gradient(120deg,#144caa,#1687ed);padding:26px 32px;color:white;display:flex;align-items:center;justify-content:space-between;gap:16px}.result-header h2{font-size:25px;margin:0}.result-header .eyebrow{font-size:10px;color:#c3dfff;margin-bottom:8px}#resultContent{padding:28px 32px}.result-main{display:grid;grid-template-columns:1.3fr 1fr;gap:20px}.metric{padding:24px;border-radius:18px;background:#f0f6ff}.metric.primary{background:linear-gradient(120deg,#e6f3ff,#e5faf4)}.metric-label{font-size:13px;color:var(--muted)}.metric strong{display:block;font-size:clamp(28px,4vw,43px);font-weight:760;letter-spacing:-1.5px;color:#144e9c;line-height:1.3;margin:9px 0}.metric p{font-size:12px;margin:0;color:var(--muted)}.result-footer{display:flex;gap:15px;flex-wrap:wrap;padding:0 32px 28px}.breakdown{margin:24px 0}.breakdown>div{display:flex;justify-content:space-between;gap:20px;border-bottom:1px solid var(--line);padding:11px 0;font-size:14px}.breakdown dt{color:var(--muted)}.breakdown dd{margin:0;font-weight:650;text-align:right}.schedule{margin-top:20px}.schedule h3{margin-top:26px}.table-wrap{overflow-x:auto;padding:0}.table-wrap table{min-width:650px}.result-summary{font-size:14px;color:var(--muted)}progress{display:block;width:100%;height:12px;border:0;border-radius:8px;overflow:hidden;background:#e5edf7;accent-color:var(--blue)}progress::-webkit-progress-bar{background:#e5edf7}progress::-webkit-progress-value{background:linear-gradient(90deg,#1265e8,#39c7c2)}.flow{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:17px;margin-top:28px}.flow article{padding:24px;background:#eaf3ff;border-radius:18px;position:relative}.flow h3{font-size:17px;margin-top:20px}.flow p{font-size:13px;color:var(--muted);margin-bottom:0}.flow-number{font-weight:750;font-size:22px;background:white;color:var(--blue);display:inline-grid;place-items:center;width:49px;height:49px;border-radius:15px}.section-gap{margin-top:25px}.prose p{font-size:14px}.formula{padding:15px;background:#f1f7ff;border-radius:12px;color:var(--deep);font-weight:600;font-size:14px}.quiz{display:grid;grid-template-columns:1fr 1fr;gap:50px;background:linear-gradient(120deg,#fff,#eff6ff);padding:35px}.quiz-question{font-size:20px;line-height:1.5;font-weight:650}.quiz-options{display:flex;flex-wrap:wrap;gap:12px}.quiz-options button{font-size:14px}.checklist{display:grid;grid-template-columns:1fr 1fr;gap:18px 28px}.checklist label{display:flex;align-items:flex-start;gap:12px;font-size:14px;cursor:pointer}.checklist label:has(input:checked){color:#167456}.article{max-width:900px;margin-left:auto;margin-right:auto}.how-steps{list-style:none;counter-reset:steps;padding:0;margin:30px 0}.how-steps li{position:relative;padding:0 0 24px 65px;counter-increment:steps;min-height:70px}.how-steps li::before{content:counter(steps);position:absolute;left:0;top:0;width:40px;height:40px;display:grid;place-items:center;background:var(--blue);color:white;border-radius:13px;font-weight:700}.how-steps h3{font-size:21px;padding-top:5px}.how-steps p{font-size:15px;color:var(--muted)}.three .card h3{font-size:18px}.three .card p{font-size:14px;color:var(--muted);margin:0}table{width:100%;border-collapse:collapse;text-align:left;font-size:13px}caption{text-align:left;font-size:12px;color:var(--muted);padding:16px 20px}th{font-weight:650}th,td{padding:14px 16px;border-bottom:1px solid var(--line);vertical-align:top}thead{background:#edf4fd;color:#486283}tbody tr:last-child td,tbody tr:last-child th{border-bottom:0}.bank-table{min-width:1040px;font-size:12px}.bank-table th:first-child{width:170px}.bank-table th small{display:block;font-weight:400;margin-top:5px}.bank-table td:last-child{min-width:240px;max-width:290px}.bank-table b{white-space:nowrap;font-size:16px;color:var(--blue)}.bank-table details{border:0;padding:0;margin-bottom:8px}.bank-table details p{padding-top:10px}.bank-filter{min-width:210px;margin-bottom:0}.faq{display:grid;gap:10px;margin-top:26px}details{background:white;border:1px solid var(--line);padding:19px 23px;border-radius:15px}summary{cursor:pointer;font-weight:600;line-height:1.5;font-size:15px}details p{color:var(--muted);font-size:14px;margin:16px 0 0}.faq details[open]{border-color:#aacaf5;background:#fcfdff}.sources h2{font-size:25px}.sources p,.sources li{font-size:14px}.sources li{margin-bottom:8px}.sources details{margin-top:25px;background:var(--bg)}.author{display:flex;gap:28px;align-items:center;margin-bottom:58px}.author img{width:112px;height:112px;object-fit:cover;border-radius:22px;background:#e7effa;flex-shrink:0}.author h2{font-size:25px;margin-bottom:8px}.author p{font-size:14px;margin-bottom:5px}.author .eyebrow{margin-bottom:10px}.author .hint{font-size:12px;margin-top:12px}.footer{padding:30px 0;background:#eaf1fa;color:var(--muted);font-size:13px}.footer .container{display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:18px}.footer p{width:100%;margin:0;font-size:12px}
@media(max-width:950px){.hero-layout{gap:30px}.hero{padding:45px 0}.hero-card{padding:24px}.hero-money{font-size:35px}.topbar nav{display:none}.flow{grid-template-columns:1fr 1fr}.three{grid-template-columns:1fr 1fr}.stepper{gap:18px}.quiz{gap:25px}}
@media(max-width:650px){.container{width:calc(100% - 28px)}.topbar{min-height:66px;gap:10px}.brand{font-size:17px}.brand-light{display:none}.header-cta{padding:8px 11px;font-size:12px}.hero{padding:36px 0}.hero-layout{grid-template-columns:1fr;gap:30px}.hero-card{transform:none;padding:23px}.hero-money{font-size:32px}.hero-money span{display:inline-block;margin-left:8px;font-size:13px;max-width:160px;vertical-align:middle}.hero-card p{margin-top:20px}.plus{margin-top:8px;margin-bottom:-12px}.hero-tags{font-size:11px;gap:12px}.lead{font-size:16px}.hero-links{gap:17px}.meta{font-size:11px;gap:10px}.meta a{margin-left:0}.toc{flex-wrap:nowrap;overflow-x:auto;padding-bottom:8px}.toc a{white-space:nowrap}.section{margin-top:40px}.section-heading{display:block}.section-heading .pill{display:inline-block;margin-top:15px}.card{padding:20px}.calculator,.results,.table-wrap{padding:0}.calc-top{padding:18px 16px}.calc-top>span{display:none}.stepper{justify-content:space-between;width:100%;gap:10px;font-size:12px}.stepper li{gap:5px}.stepper span{width:25px;height:25px}#calcForm{padding:23px 18px}.step-panel>legend{font-size:21px;margin-bottom:20px}.two,.three,.quiz,.checklist,.result-main{grid-template-columns:1fr}.grid{gap:0}.three{gap:15px}.field{margin-bottom:18px}.conditional{padding:16px}.person{padding:16px}.form-actions{flex-wrap:wrap}.form-actions .text-button{margin-left:0}.form-actions .button{flex:1;font-size:14px;padding:12px}.privacy{font-size:10px}.result-header{padding:22px 18px;align-items:flex-start}.result-header h2{font-size:21px}.result-header .small{font-size:11px;padding:8px;white-space:nowrap}#resultContent{padding:20px 18px}.metric{padding:20px}.result-footer{padding:0 18px 20px}.result-footer .button{width:100%;font-size:14px}.breakdown>div{font-size:12px}.flow{gap:10px}.flow article{padding:17px}.flow h3{font-size:15px}.flow p{font-size:12px}.flow-number{font-size:19px;width:39px;height:39px}.section-gap{gap:16px}.quiz{gap:15px;padding:24px}.quiz h2{font-size:26px}.quiz-question{font-size:18px}.how-steps li{padding-left:52px}.how-steps h3{font-size:18px}.how-steps p{font-size:14px}.bank-filter{margin-top:20px}.author{align-items:flex-start;gap:17px}.author img{width:65px;height:65px;border-radius:16px}.author h2{font-size:21px}.author .eyebrow{font-size:9px}.author p{font-size:12px}details{padding:17px}summary{font-size:14px}.sources h2{font-size:23px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
@media print{body{background:white;color:#000;font-size:11pt}.header,.hero,.meta,.toc,.calculator,.section:not(#calculator),.footer,.result-footer,.result-header button,.section-heading,.skip{display:none!important}.container{width:100%}#calculator{margin:0}.results{display:block!important;border:0;box-shadow:none;margin:0}.result-header{background:white!important;color:#000;padding:10px 0}.result-header .eyebrow{color:#333}#resultContent{padding:10px 0}.metric{border:1px solid #bbb;background:white!important}.metric strong{color:#000;font-size:24pt}.table-wrap{overflow:visible}.table-wrap table{min-width:0}.result-main{grid-template-columns:1fr 1fr}th,td{font-size:9pt;padding:6px}tr{break-inside:avoid}a{color:#000;text-decoration:none}.notice{background:white;color:#000;border-color:#aaa}.results[hidden]{display:none!important}}