:root{
  --navy:#082846;--navy2:#0d365c;--green:#27a85b;--green2:#1b8448;--greenSoft:#eaf7ef;
  --ink:#10271f;--muted:#687872;--line:#dce6e1;--soft:#f5f8f6;--white:#fff;--red:#a24a41;
  --shadow:0 22px 70px rgba(8,40,70,.09)
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,system-ui,sans-serif;color:var(--ink);background:#fff;-webkit-font-smoothing:antialiased}
.container{width:min(1160px,calc(100% - 40px));margin:auto}
.site-header{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.94);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.nav{height:72px;display:grid;grid-template-columns:1fr auto 1fr;align-items:center;gap:28px}.brand{display:inline-flex;align-items:center;gap:9px;text-decoration:none;color:var(--navy);font-weight:800;font-size:20px;letter-spacing:-.04em;width:max-content}.green{color:var(--green)}
.brand-icon{width:38px;height:30px;display:inline-flex}.brand-icon svg{width:100%;height:100%}
.desktop-nav{display:flex;gap:28px}.desktop-nav a{font-size:14px;font-weight:700;text-decoration:none;color:var(--muted)}.desktop-nav a:hover{color:var(--navy)}
.year-chip{justify-self:end;background:var(--greenSoft);color:var(--green2);padding:8px 11px;border-radius:999px;font-size:10px;font-weight:800}
.hero{background:radial-gradient(circle at 72% 20%,rgba(39,168,91,.09),transparent 26%),linear-gradient(180deg,#fbfdfc 0,#fff 100%);border-bottom:1px solid #edf2ef}
.hero-grid{display:grid;grid-template-columns:1.06fr .94fr;gap:80px;align-items:center;padding:88px 0 72px}.eyebrow,.mini-label{font-size:11px;font-weight:800;letter-spacing:.14em;color:var(--green2)}
.hero h1{font-size:clamp(50px,6vw,76px);line-height:.96;letter-spacing:-.06em;color:var(--navy);margin:14px 0 22px;max-width:630px}.hero h1 span{color:var(--green)}
.lead{font-size:18px;line-height:1.7;color:var(--muted);max-width:610px}.proof-row{display:flex;gap:20px;flex-wrap:wrap;margin-top:26px;color:var(--muted);font-size:11px;font-weight:700}.proof-row span::first-letter{color:var(--green)}
.calculator-card{background:#fff;border:1px solid var(--line);border-radius:24px;padding:30px;box-shadow:var(--shadow);position:relative;overflow:hidden}.calculator-card:before{content:"";position:absolute;inset:0 0 auto;height:5px;background:linear-gradient(90deg,var(--navy),var(--green))}
.calc-head{display:flex;justify-content:space-between;gap:16px;align-items:start;margin-bottom:22px}.calc-head h2{margin:6px 0 0;font-size:21px;letter-spacing:-.035em;color:var(--navy)}.privacy-pill{font-size:10px;font-weight:800;color:var(--green2);background:var(--greenSoft);padding:7px 9px;border-radius:99px}
.field{margin-top:16px}.field:first-child{margin-top:0}label{display:block;font-size:12px;font-weight:800;color:var(--navy);margin-bottom:8px}.label-muted{color:var(--muted);font-weight:500}
.pay-combo{display:grid;grid-template-columns:1fr 140px;gap:9px}.money-box{border:1.5px solid #b9c8c2;border-radius:12px;display:flex;align-items:center;padding:0 13px;background:#fff}.money-box:focus-within{border-color:var(--green);box-shadow:0 0 0 4px rgba(39,168,91,.08)}.money-box span{color:var(--muted);font-size:20px}.money-box input{width:100%;border:0;outline:0;padding:14px 8px;font:inherit;font-weight:800;font-size:19px;color:var(--navy);background:transparent}.money-box.small input{font-size:15px}
select,.standard-input{width:100%;border:1.5px solid #b9c8c2;border-radius:12px;padding:14px;background:#fff;color:var(--navy);font:inherit;font-size:12px;outline:none}select:focus,.standard-input:focus{border-color:var(--green)}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:12px}.field-note{font-size:10px;line-height:1.45;color:#83908b;margin-top:6px;min-height:13px}.hidden{display:none}
.advanced{margin-top:18px;border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:13px 0}.advanced summary{cursor:pointer;font-size:11px;font-weight:800;color:var(--navy);list-style:none}.advanced summary::-webkit-details-marker{display:none}.advanced summary:after{content:"+";float:right;color:var(--green);font-size:16px}.advanced[open] summary:after{content:"–"}.advanced summary span{font-weight:500;color:var(--muted);margin-left:6px}.advanced-body{padding-top:12px}
.cta{width:100%;border:0;border-radius:12px;background:var(--green);color:#fff;padding:16px;margin-top:20px;font:inherit;font-size:12px;font-weight:800;cursor:pointer;box-shadow:0 10px 26px rgba(39,168,91,.19);transition:.18s}.cta:hover{background:var(--green2);transform:translateY(-1px)}.cta span{margin-left:5px}.cta:disabled{background:#9ab3a4;box-shadow:none;cursor:not-allowed;transform:none}.under-cta{text-align:center;font-size:10px;color:#899690;margin-top:9px}
.results-section{background:linear-gradient(180deg,#f4f8f6,#fff);border-bottom:1px solid #edf2ef}.results-grid{display:grid;grid-template-columns:.92fr 1.08fr;gap:24px;padding:52px 0}
.result-primary,.breakdown-card{border-radius:23px;box-shadow:var(--shadow)}.result-primary{background:var(--navy);color:#fff;padding:32px}.result-top{display:flex;justify-content:space-between;align-items:center;gap:20px}.result-label{font-size:10px;letter-spacing:.14em;font-weight:800;opacity:.64}.net-big{font-size:clamp(46px,5.5vw,68px);font-weight:800;letter-spacing:-.055em;line-height:1;margin-top:15px}.per-year{font-size:11px;opacity:.55;margin-top:5px}
.ring{width:124px;height:124px;border-radius:50%;display:grid;place-items:center;background:conic-gradient(var(--green) 0deg,rgba(255,255,255,.13) 0deg);position:relative}.ring:after{content:"";position:absolute;width:88px;height:88px;border-radius:50%;background:var(--navy)}.ring-inner{position:relative;z-index:2;text-align:center}.ring-inner strong{display:block;font-size:24px}.ring-inner span{font-size:8px;opacity:.55}
.pay-frequencies{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid rgba(255,255,255,.15);margin-top:28px;padding-top:22px}.pay-frequencies div+div{border-left:1px solid rgba(255,255,255,.15);padding-left:16px}.pay-frequencies strong{display:block;font-size:17px}.pay-frequencies span{font-size:9px;opacity:.55}
.one-dollar{display:flex;align-items:center;gap:12px;margin-top:26px;padding:14px;border-radius:13px;background:rgba(255,255,255,.07)}.coin{width:34px;height:34px;display:grid;place-items:center;border-radius:50%;background:var(--green);font-weight:800}.one-dollar p{margin:0;font-size:11px;line-height:1.45;color:rgba(255,255,255,.78)}
.breakdown-card{background:#fff;border:1px solid var(--line);padding:30px}.breakdown-head{display:flex;justify-content:space-between;gap:15px;align-items:start;margin-bottom:14px}.breakdown-head h2{margin:6px 0 0;font-size:25px;color:var(--navy);letter-spacing:-.04em}.effective{font-size:9px;font-weight:800;color:var(--green2);background:var(--greenSoft);padding:7px 9px;border-radius:99px;white-space:nowrap}
.row{display:flex;justify-content:space-between;gap:20px;padding:13px 0;border-top:1px solid #edf1ef;font-size:11px}.row span{color:var(--muted)}.row strong{color:var(--navy);font-size:12px}.row.tax strong{color:var(--red)}.row small{display:block;color:#9aa59f;margin-top:2px}.row.total{border-top:1.5px solid #aebdb6;margin-top:4px;padding-top:17px}.row.total span,.row.total strong{color:var(--navy);font-weight:800;font-size:12px}
.estimate-note{font-size:10px;line-height:1.55;color:var(--muted);background:var(--soft);border-radius:10px;padding:12px;margin-top:14px}
.confidence{padding:32px 0}.confidence-grid{display:grid;grid-template-columns:repeat(4,1fr);border:1px solid var(--line);border-radius:17px;overflow:hidden}.confidence-item{display:flex;gap:11px;padding:19px;background:#fff}.confidence-item+.confidence-item{border-left:1px solid var(--line)}.ci{width:32px;height:32px;min-width:32px;border-radius:50%;background:var(--greenSoft);color:var(--green2);display:grid;place-items:center;font-size:9px;font-weight:800}.confidence-item strong{display:block;font-size:11px;color:var(--navy)}.confidence-item small{display:block;font-size:10px;line-height:1.4;color:var(--muted);margin-top:4px}
.section{padding:76px 0}.section-intro{display:grid;grid-template-columns:1fr .75fr;gap:70px;align-items:end}.section-intro h2,.faq-heading h2{font-size:31px;letter-spacing:-.045em;color:var(--navy);margin:8px 0 0}.section-intro p{font-size:13px;color:var(--muted);line-height:1.7;margin:0}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:36px}.steps article{border:1px solid var(--line);border-radius:17px;padding:24px}.steps article>span{font-size:10px;font-weight:800;color:var(--green)}.steps h3{font-size:15px;color:var(--navy);margin:22px 0 7px}.steps p{font-size:12px;line-height:1.6;color:var(--muted);margin:0}
.methodology{background:var(--navy);color:#fff}.method-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:80px;padding:64px 0}.mini-label.light{color:#73d39b}.method-grid h2{font-size:34px;letter-spacing:-.05em;margin:8px 0 14px}.method-grid>div>p{font-size:12px;line-height:1.65;color:rgba(255,255,255,.62);max-width:390px}.method-list{display:grid;grid-template-columns:1fr 1fr;gap:12px}.method-list div{padding:17px;border:1px solid rgba(255,255,255,.13);border-radius:13px}.method-list strong{display:block;font-size:11px}.method-list span{display:block;font-size:10px;line-height:1.5;color:rgba(255,255,255,.56);margin-top:6px}
.faq-heading{max-width:700px}.faq-list{margin-top:30px;border-top:1px solid var(--line)}.faq-list details{border-bottom:1px solid var(--line);padding:18px 0}.faq-list summary{cursor:pointer;font-size:13px;font-weight:800;color:var(--navy)}.faq-list p{font-size:12px;line-height:1.65;color:var(--muted);max-width:780px}
.final-cta{padding:0 0 72px}.final-box{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;border-radius:24px;padding:42px;display:flex;justify-content:space-between;gap:30px;align-items:center}.lightish{color:#80dba4}.final-box h2{font-size:29px;letter-spacing:-.045em;margin:8px 0}.final-box p{color:rgba(255,255,255,.65);font-size:12px}.final-box a{text-decoration:none;background:var(--green);color:#fff;padding:14px 18px;border-radius:11px;font-size:11px;font-weight:800;white-space:nowrap}
footer{border-top:1px solid var(--line)}.footer{min-height:86px;display:grid;grid-template-columns:1fr auto 1fr;gap:20px;align-items:center;color:var(--muted);font-size:9px}.footer-brand{font-size:16px}.footer-brand .brand-icon{width:30px}.footer>div:last-child{justify-self:end}
@media(max-width:900px){.nav{grid-template-columns:1fr auto}.desktop-nav{display:none}.hero-grid{grid-template-columns:1fr;gap:38px;padding-top:58px}.hero h1{font-size:58px}.results-grid{grid-template-columns:1fr}.confidence-grid{grid-template-columns:1fr 1fr}.confidence-item:nth-child(3){border-left:0;border-top:1px solid var(--line)}.confidence-item:nth-child(4){border-top:1px solid var(--line)}.section-intro,.method-grid{grid-template-columns:1fr;gap:24px}.method-list{grid-template-columns:1fr 1fr}}
@media(max-width:620px){.container{width:min(100% - 24px,1160px)}.nav{height:62px}.brand{font-size:17px}.brand-icon{width:32px}.year-chip{font-size:8px}.hero-grid{padding:42px 0 48px}.hero h1{font-size:45px}.lead{font-size:14px}.proof-row{gap:10px 16px;font-size:9px}.calculator-card,.result-primary,.breakdown-card{padding:21px;border-radius:18px}.pay-combo{grid-template-columns:1fr 112px}.two-col{grid-template-columns:1fr}.result-top{align-items:flex-start}.ring{width:92px;height:92px}.ring:after{width:66px;height:66px}.ring-inner strong{font-size:18px}.pay-frequencies strong{font-size:14px}.pay-frequencies div+div{padding-left:8px}.confidence-grid{grid-template-columns:1fr}.confidence-item+.confidence-item{border-left:0;border-top:1px solid var(--line)}.steps{grid-template-columns:1fr}.method-list{grid-template-columns:1fr}.final-box{padding:27px;flex-direction:column;align-items:flex-start}.footer{grid-template-columns:1fr;padding:24px 0}.footer>div:last-child{justify-self:start}}

.footer-links{display:flex;gap:18px;flex-wrap:wrap;justify-content:center}
.footer-links a{color:var(--muted);text-decoration:none;font-size:11px;font-weight:700}
.footer-links a:hover{color:var(--navy)}
.footer-right{justify-self:end;text-align:right;display:flex;flex-direction:column;gap:5px;line-height:1.5}
.page-hero{padding:72px 0 44px;background:linear-gradient(180deg,#fbfdfc,#fff);border-bottom:1px solid #edf2ef}
.page-hero h1{font-size:clamp(42px,5vw,62px);letter-spacing:-.055em;color:var(--navy);margin:10px 0 14px}
.page-hero p{max-width:720px;color:var(--muted);font-size:15px;line-height:1.7}
.content-page{max-width:840px;padding:54px 0 78px}
.content-page h2{color:var(--navy);font-size:25px;letter-spacing:-.035em;margin:40px 0 12px}
.content-page p,.content-page li{font-size:13px;line-height:1.75;color:var(--muted)}
.content-page ul{padding-left:20px}.content-page a{color:var(--green2)}
.source-card{border:1px solid var(--line);border-radius:14px;padding:18px;margin:14px 0;background:#fff}
.source-card strong{color:var(--navy);display:block;margin-bottom:5px}
.back-home{display:inline-flex;margin-top:22px;color:var(--green2);font-weight:800;text-decoration:none;font-size:12px}
@media(max-width:900px){.footer{grid-template-columns:1fr}.footer-links{justify-content:flex-start}.footer-right{justify-self:start;text-align:left}}