:root{color-scheme:dark;--bg:#090d13;--surface:#111720;--surface-2:#151c27;--line:#293241;--ink:#f4f7fb;--muted:#9ba9bb;--dim:#748399;--blue:#93b8ff;--blue-strong:#5c91ee;--green:#9ad7c5;--red:#f0a6a0}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;min-width:320px;background:radial-gradient(circle at 75% -20%,rgba(55,93,157,.18),transparent 44rem),linear-gradient(180deg,#0d121a,#090d13 48rem);color:var(--ink);font-family:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif;-webkit-font-smoothing:antialiased}button,input,select{font:inherit}button{cursor:pointer}a{color:inherit;text-decoration:none}::selection{background:#456dae;color:white}.site-shell{max-width:1480px;margin:auto;padding:0 34px}.site-header{height:75px;justify-content:space-between;border-bottom:1px solid rgba(173,194,222,.12)}.brand-lockup,.site-header{display:flex;align-items:center}.brand-lockup{font-size:16px;font-weight:750;letter-spacing:-.035em}.brand-lockup em{font-style:normal;color:#91a2b6;font-weight:450}.header-link,.site-footer a{display:inline-flex;align-items:center;gap:7px;color:#b5c5da;font-size:13px;font-weight:600}.header-link:hover,.site-footer a:hover{color:white}.workspace{padding:31px 0 36px}.workspace-heading{display:flex;align-items:flex-end;justify-content:space-between;gap:40px;margin-bottom:23px}.eyebrow,.section-index{margin:0;color:var(--blue);font-size:11px;line-height:1.3;font-weight:750;letter-spacing:.15em;text-transform:uppercase}.eyebrow-dot{display:inline-block;width:3px;height:3px;vertical-align:middle;margin:0 8px;border-radius:50%;background:#65738c}.workspace-heading h1{margin:9px 0 0;font-size:clamp(26px,3vw,37px);letter-spacing:-.045em;line-height:1.13;font-weight:680}.heading-aside{margin:0 0 3px;max-width:330px;color:var(--muted);font-size:14px;line-height:1.5;text-align:right}.mobile-outcome{display:none}.workspace-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,.9fr);gap:16px;align-items:start}.detail-stack,.input-column,.result-column{display:grid;gap:16px;min-width:0}.panel{min-width:0;border:1px solid var(--line);border-radius:15px;background:linear-gradient(145deg,rgba(25,33,45,.94),rgba(16,22,31,.98));box-shadow:0 10px 35px rgba(0,0,0,.12)}.advanced-panel,.detail-panel,.exposure-panel,.input-panel,.recommendation-panel{padding:23px}.panel-heading{display:flex;justify-content:space-between;align-items:flex-start;gap:18px;margin-bottom:22px}.panel-heading--compact{align-items:center;margin-bottom:17px}.panel-heading h2,.recommendation-panel h2{margin:6px 0 0;font-size:19px;font-weight:650;letter-spacing:-.025em}.ghost-button{display:inline-flex;align-items:center;gap:7px;padding:7px 0;border:0;background:transparent;color:var(--muted);font-size:12px;font-weight:650}.ghost-button:hover{color:white}.tier-picker{padding:0;margin:0 0 21px;border:0}.tier-picker legend{margin-bottom:11px}.tier-options{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:7px}.tier-option{text-align:left;min-height:66px;padding:12px 10px;border:1px solid #303a49;border-radius:9px;background:#141b25;color:#d9e2ed;transition:background .15s,border-color .15s,transform .15s}.tier-option:hover{border-color:#6586b7;transform:translateY(-1px)}.tier-option--active{background:linear-gradient(145deg,rgba(77,119,192,.27),rgba(38,64,109,.17));border-color:#7ca5ec;box-shadow:inset 0 0 0 1px rgba(124,165,236,.2)}.tier-option span{display:block;font-size:13px;font-weight:700}.tier-option small{display:block;margin-top:5px;color:#9babbd;font-size:10px;line-height:1.2}.tier-option--active small{color:#c6d8f5}.assumption-grid,.core-inputs{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:17px}.field{display:block;min-width:0}.field__label{display:block;margin-bottom:8px;color:#d4deea;font-size:13px;font-weight:650;line-height:1.3}.field__control{height:48px;display:flex;align-items:center;gap:4px;padding:0 13px;border:1px solid #394556;border-radius:8px;background:#0d131b;transition:border-color .15s,box-shadow .15s}.field__control:focus-within{border-color:#8bb3f6;box-shadow:0 0 0 3px rgba(95,146,229,.18)}.field__affix{color:#9db3ce;font-size:14px;font-weight:650}.field input,.field select{width:100%;min-width:0;padding:0;border:0;outline:0;background:transparent;color:#f7f9fc;font-size:18px;font-weight:650;font-feature-settings:"tnum";font-variant-numeric:tabular-nums}.field select{font-size:14px;cursor:pointer}.field select option{background:#141b25;color:white}.field__hint{display:block;margin-top:7px;color:#8b9bae;font-size:11px;line-height:1.45}.qualification-panel{display:grid;gap:10px;padding:17px 23px;border-color:#314154;background:linear-gradient(100deg,rgba(52,77,118,.18),rgba(19,27,38,.96))}.qualification-panel .field__hint{margin:0}.qualification-note{margin:0;color:#afbed0;font-size:12px;line-height:1.5}.qualification-note strong{color:#ebf3ff}.confirmation-check{display:flex;align-items:flex-start;gap:9px;color:#d1deec;font-size:12px;line-height:1.4;cursor:pointer}.confirmation-check input{width:15px;height:15px;flex:none;margin:1px 0 0;accent-color:#75a4e9}.source-alert{margin:0;padding:9px 11px;border-left:2px solid #daa473;border-radius:0 6px 6px 0;background:rgba(170,111,66,.1);color:#d7b7a0;font-size:11px;line-height:1.45}.advanced-panel{padding-bottom:7px}.assumption-group{border-top:1px solid #303b4b}.assumption-group summary{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:60px;color:#e4edf7;font-size:13px;font-weight:650;list-style:none;cursor:pointer}.assumption-group summary::-webkit-details-marker{display:none}.assumption-group summary:after{content:"+";order:2;color:var(--blue);font-size:19px;font-weight:350}.assumption-group[open] summary:after{content:"−"}.assumption-group summary span{margin-left:auto;color:#8e9eb0;font-size:11px;font-weight:450;text-align:right}.assumption-grid{gap:19px 15px;padding:4px 0 22px}.assumption-grid .field__control{height:43px}.assumption-grid .field input{font-size:15px}.assumption-grid .field__label{font-size:12px}.data-status{margin:-9px 0 17px;color:#a4b1c2;font-size:11px;line-height:1.4}.data-status--live{color:var(--green)}.data-status--fallback{color:#f0be92}.hero-result{padding:23px 26px 21px;border-color:#5275ad;background:radial-gradient(circle at 100% 0,rgba(76,122,198,.24),transparent 58%),linear-gradient(155deg,#1a2a42,#111b2a 58%,#131e2c);box-shadow:0 15px 50px rgba(5,12,27,.28)}.hero-result__top{display:flex;align-items:center;justify-content:space-between;gap:10px}.tier-badge{padding:6px 9px;border:1px solid #729ad1;border-radius:999px;background:rgba(131,170,225,.13);color:#d5e6ff;font-size:11px;font-weight:700}.hero-result__main{padding:21px 0 18px}.hero-result__main p{margin:0;color:#c7d6eb;font-size:14px;font-weight:600}.hero-result__main strong{display:block;margin-top:2px;font-size:clamp(43px,5vw,70px);font-feature-settings:"tnum";font-variant-numeric:tabular-nums;line-height:1.12;letter-spacing:-.065em;font-weight:690}.hero-result__main span{display:block;margin-top:3px;color:#adbed6;font-size:12px}.positive{color:#bbd6ff}.negative{color:var(--red)!important}.result-bars{display:grid;gap:12px;padding:17px 0 20px;border-top:1px solid rgba(180,202,233,.17);border-bottom:1px solid rgba(180,202,233,.17)}.result-bar__labels{display:flex;justify-content:space-between;gap:10px;color:#b6c8de;font-size:12px}.result-bar__labels strong{color:#f4f8fd;font-feature-settings:"tnum";font-variant-numeric:tabular-nums}.result-bar__track{height:5px;overflow:hidden;margin-top:6px;border-radius:8px;background:rgba(179,200,229,.12)}.result-bar__fill{display:block;height:100%;border-radius:8px}.result-bar__fill--card{background:#92baff}.result-bar__fill--balance{background:#91d2c2}.result-bar__fill--cost{background:#dbada5}.hero-result__footer{display:grid;grid-template-columns:1fr 1fr;gap:20px;padding-top:18px}.hero-result__footer div{display:grid;gap:4px}.hero-result__footer span{color:#a9bdd4;font-size:11px}.hero-result__footer strong{font-size:22px;font-feature-settings:"tnum";font-variant-numeric:tabular-nums;letter-spacing:-.035em}.recommendation-panel{padding:19px 23px;background:linear-gradient(145deg,#17232c,#111b24)}.recommendation-panel__line{display:flex;align-items:center;justify-content:space-between;gap:10px}.recommendation-panel__line span{color:#9ed8c3}.recommendation-panel h2{font-size:17px}.recommendation-panel p{margin:8px 0 0;color:#aebdcc;font-size:12px;line-height:1.5}.recommendation-panel__bottom{display:flex;justify-content:space-between;gap:10px;margin-top:14px;padding-top:11px;border-top:1px solid #34434b;color:#aebdcc;font-size:12px}.recommendation-panel__bottom strong{color:#c2e2d5;font-size:15px}.recommendation-panel .selection-note{color:#b7d1f2}.detail-panel{padding:20px 23px}.detail-panel .panel-heading{margin-bottom:15px}.heading-value{white-space:nowrap;font-size:21px;font-feature-settings:"tnum";font-variant-numeric:tabular-nums;letter-spacing:-.03em}.heading-value small{display:block;margin-top:3px;color:#91a2b5;font-size:10px;font-weight:500;text-align:right;letter-spacing:0}.stat-strip{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin-bottom:15px;padding:13px;border:1px solid #303e50;border-radius:9px;background:#101923}.stat-strip span{display:grid;gap:5px;color:#93a5ba;font-size:10px}.stat-strip strong{color:#edf4fc;font-size:17px;font-feature-settings:"tnum";font-variant-numeric:tabular-nums}.breakdown-label{margin:11px 0 6px;color:#8296ad;font-size:10px;font-weight:750;letter-spacing:.13em;text-transform:uppercase}.line-item{display:flex;justify-content:space-between;align-items:baseline;gap:14px;padding:8px 0;border-bottom:1px solid rgba(159,180,207,.1);color:#c5d1df;font-size:12px}.line-item:last-of-type{border-bottom:0}.line-item span{min-width:0}.line-item small{display:block;margin-top:3px;color:#8094a9;font-size:10px;line-height:1.3}.line-item strong{white-space:nowrap;color:#edf4fc;font-size:13px;font-feature-settings:"tnum";font-variant-numeric:tabular-nums}.line-item--soft{margin-top:5px;padding-top:11px;border-top:1px solid #344053}.line-item--total{margin-top:7px;padding-top:14px;border-top:1px solid #3a4960;border-bottom:0;color:white;font-weight:700}.line-item--total strong{font-size:18px}.panel-footnote{margin:12px 0 0;color:#8295a9;font-size:11px;line-height:1.5}.break-even{display:grid;gap:3px;margin-top:14px;padding:12px 14px;border:1px solid #35465c;border-radius:9px;background:#121e2b}.break-even small,.break-even span{color:#8ca0b7;font-size:10px}.break-even strong{color:#d9e8fa;font-size:12px}.exposure-panel .panel-heading{margin-bottom:9px}.result-actions{display:flex;align-items:center;gap:12px}.action-button{display:inline-flex;align-items:center;justify-content:center;gap:9px;padding:11px 14px;border:1px solid #4d6992;border-radius:8px;background:#1b304d;color:#e9f2ff;font-size:12px;font-weight:700}.action-button:hover{background:#28436b}.copy-error{color:#e6a9a3;font-size:11px}.site-footer{display:flex;align-items:center;justify-content:space-between;gap:24px;padding:17px 0 24px;border-top:1px solid #273141}.site-footer p{margin:0;max-width:680px;color:#8090a3;font-size:11px;line-height:1.5}.site-footer a{flex-shrink:0;font-size:11px}.perk-list{margin:4px 0 0;padding-left:17px;color:#aebdcc;font-size:11px;line-height:1.7}.simple-page{max-width:760px;margin:7vh auto;padding:0 24px}.simple-page h1{font-size:clamp(30px,5vw,49px);line-height:1.05;letter-spacing:-.045em}.text-link{color:var(--blue);text-decoration:underline;text-underline-offset:3px}.method-content{display:grid;gap:18px;margin:30px 0 70px}.method-card{padding:24px;border:1px solid var(--line);border-radius:12px;background:var(--surface)}.method-card h2{margin:0 0 12px;font-size:20px;letter-spacing:-.025em}.method-card h3{margin:20px 0 7px;font-size:14px}.method-card li,.method-card p{color:#b3c0d0;font-size:14px;line-height:1.6}.method-card ul{margin:8px 0;padding-left:20px}.method-table{width:100%;border-collapse:collapse;font-size:12px}.method-table td,.method-table th{padding:10px;border-bottom:1px solid #303b49;text-align:left;vertical-align:top}.method-table th{color:#a6b9d1}.method-table td{color:#d2dfeb}.method-card a{color:var(--blue);text-decoration:underline;text-underline-offset:3px}@media(max-width:1000px){.site-shell{padding:0 22px}.tier-option{padding:10px 7px}.tier-option span{font-size:12px}.tier-option small{font-size:9px}.workspace-grid{grid-template-columns:minmax(0,1fr) minmax(0,1fr)}.advanced-panel,.detail-panel,.exposure-panel,.input-panel,.qualification-panel,.recommendation-panel{padding:18px}.hero-result{padding:20px}.core-inputs{gap:11px}.heading-aside{max-width:250px}}@media(max-width:760px){.site-shell{padding:0 16px}.site-header{height:63px}.brand-lockup{font-size:14px}.workspace{padding-top:23px}.workspace-heading{display:block;margin-bottom:18px}.workspace-heading h1{font-size:29px}.heading-aside{max-width:none;margin-top:8px;text-align:left;font-size:12px}.workspace-grid{display:flex;flex-direction:column}.input-column,.result-column{display:contents}.input-panel{order:1;width:100%}.hero-result{order:2;width:100%}.qualification-panel{order:3;width:100%}.recommendation-panel{order:4;width:100%}.advanced-panel{order:5;width:100%}.detail-stack{order:6;width:100%}.exposure-panel{order:7;width:100%}.result-actions{order:8}.hero-result__main strong{font-size:54px}.site-footer{display:block}.site-footer a{margin-top:12px}.site-shell{padding-bottom:68px}.mobile-outcome{position:fixed;left:10px;right:10px;bottom:10px;z-index:20;display:flex;align-items:center;justify-content:space-between;padding:9px 15px;border:1px solid #7097cd;border-radius:11px;background:#192b46;box-shadow:0 8px 35px #03070ebf}.mobile-outcome span{display:grid;gap:1px}.mobile-outcome small{color:#aac4e5;font-size:10px}.mobile-outcome strong{font-size:21px;font-feature-settings:"tnum";font-variant-numeric:tabular-nums;letter-spacing:-.035em}.mobile-outcome svg{color:#adcbf1}}@media(max-width:470px){.tier-options{grid-template-columns:repeat(2,minmax(0,1fr))}.tier-option{min-height:57px;padding:10px}.tier-option small{font-size:10px}.assumption-grid,.core-inputs{grid-template-columns:1fr}.panel-heading h2{font-size:17px}.hero-result__main strong{font-size:48px}.assumption-group summary span{display:none}.stat-strip strong{font-size:14px}.stat-strip{gap:5px;padding:10px}}@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}