:root{--calc-kept:#247a68;--calc-kept-soft:#dcece7;--calc-lost:#9b4437;--calc-lost-soft:#f1dfdb;--calc-principal:#b7952e;--calc-principal-soft:#f1e7c7;--calc-warn:#986b0c;--calc-rule:#c7d0d1}
.calculator-page{background:#f4f6f5}
.tools-hero{background:var(--cream);padding:clamp(70px,8vw,115px) 0;border-bottom:1px solid var(--line)}
.tools-hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:10vw;align-items:end}
.tools-hero h1{font:400 clamp(3.7rem,6.3vw,7rem)/.94 var(--serif);letter-spacing:-.055em;color:var(--navy);margin:0}
.tools-hero h1 em{color:var(--gold);font-weight:400}
.tools-intro{padding-bottom:8px}.tools-intro>p:first-child{font:400 clamp(1.15rem,1.55vw,1.45rem)/1.65 var(--serif);color:#506773;margin:0}.tools-note{font-size:10px;text-transform:uppercase;letter-spacing:.1em;color:var(--teal-dark);font-weight:700;margin:22px 0 0}
.tool-library{padding:clamp(75px,8vw,120px) 0;background:#f4f6f5}
.tool-library-heading{display:grid;grid-template-columns:1.15fr .85fr;gap:8vw;align-items:end;margin-bottom:48px}.tool-library-heading h2{font:400 clamp(2.8rem,4.4vw,4.5rem)/1.02 var(--serif);letter-spacing:-.045em;color:var(--navy);margin:0}.tool-library-heading>p{color:var(--muted);margin:0 0 8px}
.tool-chooser{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid var(--navy);border-left:1px solid var(--calc-rule);margin-bottom:65px}.tool-chooser button{min-height:170px;background:#fff;border:0;border-right:1px solid var(--calc-rule);border-bottom:1px solid var(--calc-rule);padding:25px;text-align:left;cursor:pointer;display:flex;flex-direction:column;align-items:flex-start;transition:.2s}.tool-chooser button:hover{background:#edf7f4}.tool-chooser button[aria-selected="true"]{background:var(--navy);color:#fff;box-shadow:inset 0 5px 0 var(--teal)}.tool-chooser span{font-size:8px;text-transform:uppercase;letter-spacing:.12em;color:var(--teal-dark);font-weight:700}.tool-chooser button[aria-selected="true"] span{color:var(--teal)}.tool-chooser b{font:400 1.55rem/1.15 var(--serif);margin:25px 0 8px}.tool-chooser small{font-size:.76rem;line-height:1.45;color:var(--muted)}.tool-chooser button[aria-selected="true"] small{color:#bdcbd2}
.calculator-workspace{display:grid;grid-template-columns:minmax(290px,380px) 1fr;background:#fff;border-top:5px solid var(--teal);box-shadow:0 25px 70px #16394714;min-height:780px}
.input-rail{background:var(--cream);padding:42px 36px;border-right:1px solid var(--calc-rule)}.input-heading{margin-bottom:30px}.input-heading h2{font:400 2.25rem/1.05 var(--serif);color:var(--navy);margin:0 0 14px}.input-heading>p:last-child{font-size:.82rem;color:var(--muted);line-height:1.55}.calc-field{margin-bottom:22px}.calc-field label,.calc-field legend{display:flex;justify-content:space-between;gap:10px;color:#49606b;font-size:9px;text-transform:uppercase;letter-spacing:.08em;font-weight:700;margin-bottom:7px}.calc-field label output{color:var(--teal-dark);font-size:10px}.calc-field input[type="number"],.calc-field select{width:100%;height:49px;border:1px solid #bdc9c8;background:#fff;border-radius:0;padding:0 13px;color:var(--ink);font-size:1rem;font-variant-numeric:tabular-nums}.calc-field input[type="range"]{width:100%;accent-color:var(--teal-dark);min-height:32px}.calc-field input:focus-visible,.calc-field select:focus-visible,.tool-chooser button:focus-visible,.testimonial-controls button:focus-visible{outline:3px solid #f0bf4d;outline-offset:2px}.calc-field .field-help{font-size:10px;color:#77878e;margin:6px 0 0;line-height:1.4}.reset-button{width:100%;border:1px solid var(--navy);background:transparent;color:var(--navy);padding:13px;font-size:9px;text-transform:uppercase;letter-spacing:.09em;font-weight:700;cursor:pointer}.reset-button:hover{background:#fff}
.result-stage{padding:clamp(35px,5vw,66px);min-width:0}.split-result{margin-bottom:36px}.split-labels,.split-values{display:flex;justify-content:space-between;gap:20px}.split-labels{font-size:9px;text-transform:uppercase;letter-spacing:.1em;color:var(--muted);font-weight:700}.split-values{font:400 clamp(1.2rem,2vw,1.7rem) var(--serif);color:var(--navy);margin-top:8px}.split-values span:last-child{text-align:right}.split-track{height:26px;display:flex;margin-top:9px;background:var(--calc-rule);overflow:hidden}.split-track i{display:block;height:100%;transition:width .4s cubic-bezier(.4,0,.2,1)}.split-track .kept{background:var(--calc-kept)}.split-track .lost{background:var(--calc-lost)}.split-track .principal{background:var(--calc-principal)}.split-track .alternative{background:#8a979e}.split-delta{text-align:center;color:var(--navy);font:400 1rem var(--serif);margin:11px 0 0}.split-delta b{color:var(--teal-dark);font-weight:400}
.headline-result{padding:30px 0;border-top:1px solid var(--calc-rule);border-bottom:1px solid var(--calc-rule);margin-bottom:34px}.headline-result>span{display:block;color:var(--teal-dark);font-size:9px;text-transform:uppercase;letter-spacing:.12em;font-weight:700}.headline-result strong{display:block;font:600 clamp(3.3rem,6vw,6rem)/1 var(--serif);letter-spacing:-.04em;color:var(--navy);font-variant-numeric:tabular-nums;margin:7px 0}.headline-result p{margin:0;color:var(--muted);font:400 1.15rem var(--serif)}
.result-figure{margin:0}.calculator-chart{width:100%;min-height:315px}.calculator-chart svg{display:block;width:100%;height:auto;overflow:visible}.calculator-chart .chart-frame{fill:#fff;stroke:var(--calc-rule);stroke-width:1}.calculator-chart .grid{stroke:#e2e7e7;stroke-width:1}.calculator-chart .axis{fill:#667780;font:12px var(--sans)}.calculator-chart .axis-title{fill:var(--ink);font:700 11px var(--sans);letter-spacing:.04em}.calculator-chart .principal-fill{fill:var(--calc-principal-soft)}.calculator-chart .kept-fill{fill:var(--calc-kept-soft)}.calculator-chart .lost-fill{fill:var(--calc-lost-soft)}.calculator-chart .principal-line{stroke:var(--calc-principal);fill:none;stroke-width:2}.calculator-chart .kept-line{stroke:var(--calc-kept);fill:none;stroke-width:3}.calculator-chart .alt-line{stroke:#7a898f;fill:none;stroke-width:2;stroke-dasharray:7 5}.calculator-chart .warn-line{stroke:var(--calc-warn);stroke-width:1.5}.calculator-chart .warn-text{fill:var(--calc-warn);font:700 11px var(--sans)}.calculator-chart .dot{fill:var(--navy);stroke:#fff;stroke-width:3}.result-figure figcaption{color:var(--muted);font-size:.8rem;line-height:1.5;margin:15px 0 0}
.takeaway-block{margin-top:38px;border-top:1px solid var(--navy)}.takeaway-block h3{font:400 1.5rem var(--serif);color:var(--navy);margin:22px 0}.takeaway-block ol{list-style:none;counter-reset:takeaway;padding:0;margin:0;display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.takeaway-block li{counter-increment:takeaway;color:#4f646f;font-size:.85rem;line-height:1.6;padding-left:35px;position:relative}.takeaway-block li:before{content:counter(takeaway);position:absolute;left:0;top:0;width:23px;height:23px;border:1px solid var(--teal-dark);color:var(--teal-dark);display:grid;place-items:center;font-size:9px;font-weight:700}
.assumption-strip{background:#edf4f2;border-left:4px solid var(--teal-dark);padding:13px 16px;color:#4f646f;font-size:.73rem;margin:35px 0 0}.data-table{margin-top:18px;border-top:1px solid var(--calc-rule);padding-top:13px}.data-table summary{cursor:pointer;color:var(--navy);font-size:10px;text-transform:uppercase;letter-spacing:.08em;font-weight:700}.table-wrap{overflow-x:auto;margin-top:14px}.table-wrap table{width:100%;border-collapse:collapse;font-size:.76rem;font-variant-numeric:tabular-nums}.table-wrap th,.table-wrap td{text-align:right;padding:9px;border-bottom:1px solid var(--calc-rule);white-space:nowrap}.table-wrap th:first-child,.table-wrap td:first-child{text-align:left}.table-wrap th{color:var(--navy)}
.authority-links{margin-top:18px;padding:18px;background:#f7f4ed;border:1px solid var(--calc-rule)}.authority-links h3{font:600 13px var(--sans);text-transform:uppercase;letter-spacing:.08em;color:var(--navy);margin:0 0 10px}.authority-links p{font-size:.78rem;color:var(--muted);margin:0 0 10px}.authority-links ul{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:9px 18px}.authority-links a{color:var(--teal-dark);font-size:.78rem;font-weight:700;text-underline-offset:3px}.authority-links .source-note{font-size:.7rem;margin-top:12px;color:#6e7d84}
.calculator-booking-card{margin-top:34px;padding:27px 28px;display:grid;grid-template-columns:1fr auto;gap:30px;align-items:center;background:linear-gradient(135deg,var(--navy),#173d58);color:#fff;border-left:5px solid var(--teal)}.calculator-booking-card .eyebrow{color:var(--teal);margin:0 0 8px}.calculator-booking-card h3{font:400 1.85rem/1.1 var(--serif);margin:0}.calculator-booking-card p:not(.eyebrow){color:#cfdae0;font-size:.8rem;line-height:1.55;margin:9px 0 0;max-width:610px}.calculator-booking-card .button{background:var(--teal);color:var(--navy);white-space:nowrap;min-width:175px}.calculator-booking-card .button:hover{background:#fff}
@media(max-width:620px){.calculator-booking-card{grid-template-columns:1fr;padding:24px 20px;gap:20px}.calculator-booking-card .button{width:100%}}
.learning-conversation{background:var(--navy);color:#fff;padding:clamp(70px,8vw,115px) 0}.conversation-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:10vw;align-items:center}.conversation-grid h2{font:400 clamp(2.8rem,4.8vw,4.8rem)/1.04 var(--serif);letter-spacing:-.045em;margin:0}.conversation-grid>div:last-child p{color:#c5d2d8}.conversation-grid .eyebrow{color:var(--teal)}.conversation-grid .button{background:var(--teal);color:var(--navy);margin-top:20px}.calculator-disclosures{padding:55px 0;background:#e8ecea}.calculator-disclosures h2{font:400 1.55rem var(--serif);color:var(--navy)}.calculator-disclosures p{font-size:.72rem;color:#607079;max-width:1050px}
@media(max-width:1000px){.tool-chooser{grid-template-columns:1fr 1fr}.calculator-workspace{grid-template-columns:1fr}.input-rail{border-right:0;border-bottom:1px solid var(--calc-rule)}.tools-hero-grid,.tool-library-heading,.conversation-grid{grid-template-columns:1fr;gap:35px}.takeaway-block ol{grid-template-columns:1fr}.input-rail{padding:35px}.input-rail form{display:grid;grid-template-columns:1fr 1fr;gap:0 24px}.reset-button{max-width:320px}}
@media(max-width:620px){.tool-chooser{grid-template-columns:1fr}.tool-chooser button{min-height:145px}.input-rail form{grid-template-columns:1fr}.calculator-workspace{box-shadow:none}.result-stage{padding:35px 20px}.calculator-chart{min-height:240px}.split-values{font-size:1.05rem}.tool-library{padding-left:0;padding-right:0}.takeaway-block li{font-size:.82rem}.tools-hero h1{font-size:3.7rem}.tool-library-heading h2{font-size:3rem}.conversation-grid h2{font-size:3rem}}
@media(prefers-reduced-motion:reduce){.split-track i{transition:none}}