:root{--bg:#f3faf6;--surface:#fff;--ink:#0d2b22;--ink-soft:#51635c;--line:#e3ebe7;--line-mid:#d2ddd7;--green:#0f9d6c;--green-deep:#0b7e57;--green-soft:#e4f5ee;--green-line:#bfe6d6;--amber:#c98a14;--amber-soft:#fbf2dd;--over:#d4663f;--sans:"Figtree",system-ui,-apple-system,sans-serif;--display:"Bricolage Grotesque","Figtree",system-ui,sans-serif;--mono:"IBM Plex Mono","Courier New",monospace;--maxw:1000px;--r:14px;--r-sm:10px;--shadow:0 1px 3px #0d2b220f,0 6px 20px #0d2b220d}*{box-sizing:border-box}body{background:var(--bg);color:var(--ink);font-family:var(--sans);-webkit-font-smoothing:antialiased;text-wrap:pretty;margin:0;font-size:18px;line-height:1.6}.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}.narrow{max-width:760px}a{color:var(--green-deep);text-underline-offset:3px}a:hover{text-decoration-thickness:2px}h1,h2,h3{letter-spacing:-.01em;line-height:1.18;font-family:var(--display);margin:0}h1{letter-spacing:-.02em;font-size:clamp(2.3rem,5vw,3.4rem);font-weight:800}h2{font-size:clamp(1.6rem,2.6vw,2.05rem);font-weight:800}h3{font-size:1.1rem;font-weight:700}.site-header{background:var(--surface);border-bottom:1px solid var(--line)}.site-header .wrap{align-items:center;gap:20px;max-width:1140px;padding:15px 24px;display:flex}.brand{align-items:center;gap:10px;text-decoration:none;display:flex}.brand .mk{flex:none;width:34px;height:34px}.brand .word{font-family:var(--display);color:var(--ink);font-size:1.3rem;font-weight:800}.brand .word b{color:var(--green);font-weight:800}.site-header nav{flex-wrap:nowrap;align-items:center;gap:6px;margin-left:auto;display:flex}.site-header nav a{color:var(--ink);white-space:nowrap;border-radius:8px;padding:8px 10px;font-size:.95rem;font-weight:500;text-decoration:none}.site-header nav a:hover{background:var(--green-soft)}.site-header nav a[aria-current]{color:var(--green-deep);font-weight:600}.site-header .pill{background:var(--green);border-radius:999px;padding:9px 16px;font-weight:600;color:#fff!important}.site-header .pill:hover{background:var(--green-deep)}.nav-wrap{display:contents}.nav-toggle{cursor:pointer;background:0 0;border:none;flex-direction:column;justify-content:center;align-items:center;gap:5px;width:44px;height:44px;margin-left:auto;display:none}.nav-toggle-bar{background:var(--ink);border-radius:2px;width:22px;height:2px;display:block}@media (max-width:820px){.nav-toggle{display:flex}.site-header .wrap{flex-wrap:wrap;position:relative}.site-header nav{background:var(--surface);border-bottom:1px solid var(--line);box-shadow:var(--shadow);z-index:60;flex-direction:column;align-items:stretch;gap:0;margin:0;padding:6px 0;display:none;position:absolute;top:100%;left:0;right:0}.site-header nav.is-open{display:flex}.site-header nav a{border-radius:0;padding:14px 24px;font-size:1rem}.site-header nav .pill{text-align:center;margin:8px 24px}}.crumbs{color:var(--ink-soft);padding:20px 0 0;font-size:.85rem}.crumbs a{color:var(--green-deep);text-decoration:none}.intro{padding:18px 0 8px}.intro p.lead{color:var(--ink-soft);max-width:62ch;margin:14px 0 0;font-size:1.18rem}.section{padding:30px 0}.hero{text-align:center;padding:60px 0 36px}.chip{background:var(--green-soft);color:var(--green-deep);border-radius:999px;margin-bottom:18px;padding:6px 14px;font-size:.82rem;font-weight:600;display:inline-block}.hero p.lead{color:var(--ink-soft);max-width:50ch;margin:16px auto 0;font-size:1.2rem}.facts{border-top:1px solid var(--line);border-bottom:1px solid var(--line);flex-wrap:wrap;justify-content:center;max-width:680px;margin:30px auto 0;display:flex}.facts .f{text-align:center;border-right:1px solid var(--line);flex:1;min-width:150px;padding:16px 22px}.facts .f:last-child{border-right:none}.facts .n{font-family:var(--mono);font-size:1.25rem;font-weight:600}@media (max-width:560px){.facts{flex-direction:column}.facts .f{border-right:none;border-bottom:1px solid var(--line)}.facts .f:last-child{border-bottom:none}}.facts .l{color:var(--ink-soft);margin-top:3px;font-size:.78rem}.tool{padding:14px 0 0}.worksheet{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--shadow);grid-template-columns:320px 1fr;display:grid;overflow:hidden}.ws-form{border-right:1px solid var(--line);padding:30px 28px}.ws-result{background:linear-gradient(#fbfefc,#f3faf6);padding:30px}@media (max-width:800px){.worksheet{grid-template-columns:1fr}.ws-form{border-right:none;border-bottom:1px solid var(--line)}}.legend{margin-bottom:22px;font-size:1.05rem;font-weight:700}.field{margin-bottom:22px}.field label{margin-bottom:9px;font-size:.95rem;font-weight:600;display:block}.field .hint{color:var(--ink-soft);margin-top:4px;font-size:.82rem;font-weight:400;display:block}.statusset{gap:8px;display:grid}.statusset button{font-family:var(--sans);text-align:left;background:var(--surface);border:1.5px solid var(--line-mid);border-radius:var(--r-sm);cursor:pointer;color:var(--ink);padding:13px 15px;font-size:.95rem;font-weight:600}.statusset button:hover{border-color:var(--green-line)}.statusset button[aria-pressed=true]{background:var(--green-soft);border-color:var(--green);color:var(--green-deep)}.statusset button:focus-visible{outline:3px solid var(--green-line);outline-offset:1px}.money{border:1.5px solid var(--line-mid);border-radius:var(--r-sm);background:var(--surface);align-items:center;display:flex}.money .sign{font-family:var(--mono);color:var(--ink-soft);padding:0 4px 0 15px;font-size:1.2rem}.money input{font-family:var(--mono);color:var(--ink);border-radius:var(--r-sm);background:0 0;border:none;outline:none;flex:1;width:100%;padding:14px 15px 14px 4px;font-size:1.5rem;font-weight:500}.money:focus-within{border-color:var(--green);outline:3px solid var(--green-line)}.yearset{gap:8px;display:flex}.yearset button{font-family:var(--mono);background:var(--surface);border:1.5px solid var(--line-mid);border-radius:var(--r-sm);cursor:pointer;color:var(--ink-soft);flex:1;padding:11px 0;font-size:.95rem}.yearset button[aria-pressed=true]{background:var(--ink);color:#fff;border-color:var(--ink)}.run{width:100%;font-family:var(--sans);background:var(--green);color:#fff;cursor:pointer;border:none;border-radius:999px;margin-top:4px;padding:15px;font-size:1.05rem;font-weight:700}.run:hover{background:var(--green-deep)}.run:focus-visible{outline:3px solid var(--green-line);outline-offset:2px}.verdict{color:var(--ink-soft);margin-bottom:10px;font-size:.85rem;font-weight:600}.headline{font-family:var(--display);font-size:clamp(1.5rem,2.8vw,2rem);font-weight:800;line-height:1.2}.headline .amt{color:var(--green-deep)}.headline.warn .amt{color:var(--amber)}.headline.over .amt{color:var(--over)}.subline{color:var(--ink-soft);margin:11px 0 0;font-size:1rem}.subline b{color:var(--ink);font-family:var(--mono);font-weight:600}.cards{grid-template-columns:repeat(3,1fr);gap:10px;margin-top:24px;display:grid}.cards .c{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-sm);padding:14px 16px}.cards .k{color:var(--ink-soft);font-size:.74rem}.cards .v{font-family:var(--mono);margin-top:6px;font-size:1.4rem;font-weight:600}.cards .v.accent{color:var(--over)}.scale{height:70px;margin:32px 2px 6px;position:relative}.scale-track{border-radius:999px;height:12px;display:flex;position:absolute;top:26px;left:0;right:0;overflow:hidden}.seg{height:100%}.s0{background:#0f9d6c}.s1{background:#5cc39a}.s2{background:#e3b341}.s3{background:#dd9a4a}.s4{background:#d4663f}.s5{background:#bb4b2c}.tick{opacity:.8;background:#fff;width:2px;height:24px;position:absolute;top:20px}.tick-lab{font-family:var(--mono);color:var(--ink-soft);white-space:nowrap;font-size:.68rem;position:absolute;top:46px;transform:translate(-50%)}.you{text-align:center;transition:left .35s;position:absolute;top:0;transform:translate(-50%)}.you .flag{font-family:var(--mono);color:#fff;background:var(--ink);white-space:nowrap;border-radius:999px;padding:3px 8px;font-size:.72rem;font-weight:600}.you .stem{background:var(--ink);width:2px;height:22px;margin:0 auto}.you .pt{background:var(--ink);border-radius:50%;width:9px;height:9px;margin:-1px auto 0}.result-foot{color:var(--ink-soft);border-top:1px solid var(--line);margin-top:22px;padding-top:16px;font-size:.92rem}.meta{color:var(--ink-soft);text-align:center;margin-top:18px;font-size:.84rem}.advisor{background:var(--green-soft);border:1px solid var(--green-line);border-radius:var(--r);flex-wrap:wrap;justify-content:space-between;align-items:center;gap:22px;margin-top:44px;padding:24px 26px;display:flex}.advisor .lab{letter-spacing:.06em;text-transform:uppercase;color:var(--green-deep);font-size:.72rem;font-weight:600}.advisor h3{margin:5px 0 4px}.advisor p{color:var(--ink-soft);max-width:46ch;margin:0;font-size:.95rem}.advisor .btn{background:var(--green);color:#fff;white-space:nowrap;border-radius:999px;padding:12px 22px;font-weight:600;text-decoration:none}.advisor .btn:hover{background:var(--green-deep)}.advisor .fine{flex-basis:100%;margin-top:4px;font-size:.74rem}.advisor .form{grid-template-columns:1fr 1fr;gap:10px;max-width:520px;margin-top:16px;display:grid}.advisor input{font-family:var(--sans);border:1.5px solid var(--line-mid);border-radius:var(--r-sm);background:#fff;padding:12px 14px;font-size:1rem}.advisor .full{grid-column:1/-1}.faq{margin-top:52px}.faq h2{margin-bottom:6px}.faq dl{border-top:1px solid var(--line)}.faq .q{border-bottom:1px solid var(--line);padding:18px 2px}.faq dt{font-size:1.05rem;font-weight:700}.faq dd{color:var(--ink-soft);margin:6px 0 0}.toggle{background:var(--surface);border:1px solid var(--line-mid);border-radius:999px;flex-wrap:wrap;gap:4px;margin-bottom:20px;padding:5px;display:inline-flex}.toggle button{font-family:var(--sans);color:var(--ink-soft);cursor:pointer;background:0 0;border:none;border-radius:999px;padding:9px 16px;font-size:.92rem;font-weight:600}.toggle button[aria-pressed=true]{background:var(--green);color:#fff}.tablecard{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--shadow);overflow:hidden}table.bk{border-collapse:collapse;font-variant-numeric:tabular-nums;width:100%}table.bk th,table.bk td{text-align:right;border-bottom:1px solid var(--line);padding:14px 16px;font-size:.96rem}table.bk th:first-child,table.bk td:first-child{text-align:left}table.bk thead th{background:var(--green-soft);color:var(--green-deep);text-transform:uppercase;letter-spacing:.03em;border-bottom:none;font-size:.82rem;font-weight:700}table.bk td{font-family:var(--mono)}table.bk td:first-child{font-family:var(--sans)}table.bk tbody tr:last-child td{border-bottom:none}table.bk tr.std td{background:#fbfefc}.pill-tier{font-family:var(--sans);background:var(--green-soft);color:var(--green-deep);border-radius:999px;padding:2px 9px;font-size:.78rem;font-weight:700;display:inline-block}.pill-tier.t0{color:#0b7e57;background:#e4f5ee}.pill-tier.t1{color:#2e8d63;background:#e6f4ec}.pill-tier.t2{color:#9a6a12;background:#fbf2dd}.pill-tier.t3{color:#a96a2a;background:#fbece0}.pill-tier.t4{color:#b3492c;background:#fbe7e1}.pill-tier.t5{color:#a23a22;background:#f7e2dc}.note{color:var(--ink-soft);margin-top:14px;font-size:.84rem}.callout{background:var(--green-soft);border:1px solid var(--green-line);border-radius:var(--r);margin-top:8px;padding:20px 22px}.callout h3{margin:0 0 6px}.callout p{color:var(--ink-soft);margin:0;font-size:.97rem}.years{grid-template-columns:repeat(3,1fr);gap:12px;margin-top:18px;display:grid}@media (max-width:680px){.years{grid-template-columns:1fr}}.years a{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-sm);color:var(--ink);padding:16px 18px;font-weight:600;text-decoration:none;display:block}.years a:hover{border-color:var(--green-line);background:var(--green-soft)}.years a span{color:var(--ink-soft);margin-top:3px;font-size:.82rem;font-weight:400;display:block}.estimate-banner{background:var(--amber-soft);border:1px solid var(--amber);border-radius:var(--r);margin-bottom:24px;padding:18px 22px}.estimate-banner h2{color:var(--amber);margin:0 0 6px;font-size:1.1rem}.estimate-banner p{color:var(--ink-soft);margin:0;font-size:.95rem}.gaugecard{background:var(--surface);border:1px solid var(--amber);border-radius:var(--r);box-shadow:var(--shadow);padding:26px}.gaugecard .big{font-family:var(--display);font-size:clamp(1.35rem,2.6vw,1.8rem);font-weight:800}.gaugecard .big .amt{color:var(--amber)}.gaugecard .sub{color:var(--ink-soft);margin:8px 0 0;font-size:1rem}.gaugecard .sub b{color:var(--ink);font-family:var(--mono);font-weight:600}.gbtn{background:var(--green);color:#fff;border-radius:999px;margin-top:14px;padding:11px 20px;font-weight:600;text-decoration:none;display:inline-block}.levers{grid-template-columns:repeat(2,1fr);gap:14px;margin-top:18px;display:grid}@media (max-width:720px){.levers{grid-template-columns:1fr}}.lever{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:20px 22px;box-shadow:0 1px 3px #0d2b220a}.lever h3{margin:0 0 8px}.lever p{color:var(--ink-soft);margin:0;font-size:.96rem}.lever .best{background:var(--green-soft);border-radius:var(--r-sm);margin-top:12px;padding:8px 12px;font-size:.86rem}.lever .best b{color:var(--green-deep)}.note-box{background:var(--amber-soft);border-radius:var(--r);border:1px solid #ecd9a8;margin-top:8px;padding:20px 22px}.note-box h3{margin:0 0 6px}.note-box p{color:var(--ink-soft);margin:0;font-size:.97rem}.events{grid-template-columns:repeat(2,1fr);gap:12px;margin-top:16px;display:grid}@media (max-width:680px){.events{grid-template-columns:1fr}}.ev{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-sm);align-items:flex-start;gap:12px;padding:16px 18px;display:flex}.ev .ck{background:var(--green-soft);border-radius:50%;flex:none;justify-content:center;align-items:center;width:24px;height:24px;margin-top:2px;display:flex}.ev h3{margin:0 0 3px;font-size:1rem}.ev p{color:var(--ink-soft);margin:0;font-size:.9rem}.steps{margin:18px 0 0;padding:0;list-style:none;position:relative}.steps:before{content:"";background:var(--green-line);width:2px;position:absolute;top:14px;bottom:14px;left:17px}.step{padding:0 0 22px 52px;position:relative}.step:last-child{padding-bottom:0}.step .n{background:var(--green);color:#fff;border:3px solid var(--bg);border-radius:50%;justify-content:center;align-items:center;width:36px;height:36px;font-weight:700;display:flex;position:absolute;top:0;left:0}.step h3{margin:4px 0 5px}.step p{color:var(--ink-soft);margin:0;font-size:.97rem}.needcard{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--shadow);padding:22px 24px}.needcard ul{color:var(--ink-soft);margin:10px 0 0;padding-left:22px}.needcard li{margin:6px 0}.official{background:var(--green-soft);border:1px solid var(--green-line);border-radius:var(--r);flex-wrap:wrap;justify-content:space-between;align-items:center;gap:20px;padding:22px 24px;display:flex}.official p{color:var(--ink-soft);max-width:60ch;margin:6px 0 0;font-size:.95rem}.official .btn{color:var(--green-deep);border:1.5px solid var(--green);white-space:nowrap;background:#fff;border-radius:999px;padding:12px 20px;font-weight:600;text-decoration:none}.keyfacts{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--shadow);margin-top:24px;padding:22px 26px}.keyfacts h3{margin:0 0 8px}.keyfacts ul{margin:0;padding-left:20px}.keyfacts li{color:var(--ink-soft);margin:7px 0}.keyfacts li b{color:var(--ink)}.linkbtn{color:var(--green-deep);border-bottom:2px solid var(--green);margin-top:14px;padding-bottom:1px;font-weight:600;text-decoration:none;display:inline-block}.cta-band{background:var(--green-soft);border:1px solid var(--green-line);border-radius:var(--r);flex-wrap:wrap;justify-content:space-between;align-items:center;gap:18px;margin-top:28px;padding:22px 24px;display:flex}.cta-band h3{margin:0}.cta-band .btn{background:var(--green);color:#fff;white-space:nowrap;border-radius:999px;padding:12px 22px;font-weight:600;text-decoration:none}.src{color:var(--ink-soft);border-top:1px solid var(--line);margin-top:20px;padding-top:16px;font-size:.84rem;line-height:1.7}.fine{color:var(--ink-soft);font-size:.78rem;line-height:1.6}.byline{color:var(--ink-soft);border-top:1px solid var(--line);border-bottom:1px solid var(--line);margin:14px 0 0;padding:10px 0;font-size:.85rem;line-height:1.6}.byline a{color:var(--green-deep);font-weight:600}.signup{background:var(--green-soft);border:1px solid var(--green-line);border-radius:var(--r);margin-top:34px;padding:24px 26px}.signup h3{margin:0 0 6px}.signup p{color:var(--ink-soft);max-width:52ch;margin:0 0 14px;font-size:.95rem}.signup form{flex-wrap:wrap;gap:10px;display:flex}.signup input{font-family:var(--sans);border:1.5px solid var(--line-mid);border-radius:var(--r-sm);color:var(--ink);background:#fff;flex:240px;padding:12px 14px;font-size:1rem}.signup input:focus-visible{border-color:var(--green);outline:3px solid var(--green-line)}.signup button{font-family:var(--sans);background:var(--green);color:#fff;cursor:pointer;white-space:nowrap;border:none;border-radius:999px;padding:12px 26px;font-size:1rem;font-weight:700}.signup button:hover{background:var(--green-deep)}.signup .fine{margin-top:10px}@media (max-width:560px){.signup input,.signup button{flex-basis:100%;width:100%}}.guides-hub .gphase{margin-top:48px}.guides-hub .gphase:first-child{margin-top:0}.gphase-head{border-bottom:1px solid var(--line);flex-wrap:wrap;align-items:baseline;gap:14px;margin-bottom:20px;padding-bottom:12px;display:flex}.gphase-head .gidx{font-family:var(--mono);color:var(--green);font-size:.95rem;font-weight:600}.gphase-head h2{font-size:clamp(1.3rem,2.2vw,1.55rem)}.gphase-head .gpsub{color:var(--ink-soft);margin-left:auto;font-size:.95rem}.gcards{grid-template-columns:repeat(auto-fill,minmax(232px,1fr));gap:14px;display:grid}.gcard{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);color:var(--ink);padding:20px 20px 38px;text-decoration:none;transition:border-color .18s,transform .18s,box-shadow .18s;display:block;position:relative;overflow:hidden}.gcard:before{content:"";background:var(--green);transform-origin:0;width:100%;height:3px;transition:transform .22s;position:absolute;top:0;left:0;transform:scaleX(0)}.gcard:hover{border-color:var(--green-line);box-shadow:var(--shadow);transform:translateY(-2px)}.gcard:hover:before{transform:scaleX(1)}.gcard:focus-visible{outline:3px solid var(--green-line);outline-offset:2px}.gcard .gk{font-family:var(--mono);color:var(--ink-soft);letter-spacing:.02em;font-size:.72rem}.gcard h3{margin:9px 0 6px;font-size:1.08rem}.gcard p{color:var(--ink-soft);margin:0;font-size:.92rem}.gcard .ggo{color:var(--green-deep);font-family:var(--mono);opacity:0;transition:opacity .2s,transform .2s;position:absolute;bottom:13px;right:16px;transform:translate(-5px)}.gcard:hover .ggo{opacity:1;transform:translate(0)}.gcard.feature{background:linear-gradient(160deg,#fff 35%,var(--green-soft));border-color:var(--green-line);flex-direction:column;grid-column:span 2;justify-content:center;padding:24px;display:flex}.gcard.feature .gtag{background:var(--green);color:#fff;letter-spacing:.05em;text-transform:uppercase;border-radius:999px;align-self:flex-start;margin-bottom:12px;padding:4px 11px;font-size:.68rem;font-weight:700;display:inline-block}.gcard.feature h3{font-size:clamp(1.3rem,2.4vw,1.55rem)}.gcard.feature p{max-width:46ch;margin-top:7px;font-size:1rem}.gcard.feature .gfeat-go{color:var(--green-deep);margin-top:14px;font-weight:600}@media (max-width:680px){.gcard.feature{grid-column:auto}.gphase-head .gpsub{flex-basis:100%;margin-left:0}}.foot{background:var(--surface);border-top:1px solid var(--line);margin-top:60px;padding:40px 0 30px}.foot .cols{grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:28px 32px;display:grid}.foot a{color:var(--ink-soft);padding:3px 0;font-size:.9rem;text-decoration:none;display:block}.foot a:hover{color:var(--green-deep)}.foot h4{letter-spacing:.04em;text-transform:uppercase;color:var(--ink);margin:0 0 8px;font-size:.78rem}.foot .word{font-family:var(--display);font-size:1.25rem;font-weight:800}.foot .word b{color:var(--green)}.foot .fine{color:var(--ink-soft);margin-top:26px;font-size:.8rem;line-height:1.7}@media (max-width:640px){table.bk thead{display:none}table.bk,table.bk tbody,table.bk tr,table.bk td{width:100%;display:block}table.bk tr{border:1px solid var(--line);border-radius:var(--r-sm);background:var(--surface);margin:0 12px 12px}table.bk tr.std{background:#fbfefc}table.bk td{text-align:right;border-bottom:1px solid var(--line);justify-content:space-between;align-items:center;gap:16px;padding:11px 14px;font-size:.95rem;display:flex}table.bk td:last-child{border-bottom:none}table.bk td:first-child{font-family:var(--sans);text-align:left;font-weight:700}table.bk td:before{content:attr(data-label);font-family:var(--sans);color:var(--ink-soft);letter-spacing:0;text-transform:none;font-size:.76rem;font-weight:600}table.bk td:first-child:before{content:none}.tablecard{overflow:visible}}@media (max-width:560px){.wrap{padding:0 16px}.cards{grid-template-columns:1fr}.advisor{padding:18px}.advisor .form{grid-template-columns:1fr;max-width:none}.advisor input{width:100%}.hero{padding:40px 0 28px}.section{padding:22px 0}.ws-form,.ws-result{padding:24px 20px}.scale{margin-left:6px;margin-right:6px}.tick-lab{font-size:.6rem}.you .flag{padding:2px 6px;font-size:.68rem}}@media (prefers-reduced-motion:reduce){*{transition:none!important}}