:root{
  --ink:#15211F;
  --ink-2:#2B3A37;
  --muted:#505C58;
  --line:#D9E0DC;
  --paper:#F0F3EF;
  --card:#FFFFFF;

  --teal:#1F6F6B;
  --teal-d:#155450;
  --teal-l:#DCEDEB;
  --ochre:#BE7C14;
  --ochre-d:#8A5A0B;
  --ochre-br:#E5A62E;
  --ochre-l:#FBEDD3;
  --plum:#7A3E63;
  --plum-l:#F6E7EF;
  --indigo:#2C4680;
  --indigo-d:#1E3160;
  --indigo-l:#E3E9F7;
  --sage:#4B7A3C;
  --sage-l:#E7F1E2;
  --rose:#AF433D;
  --rose-l:#FAE7E5;

  --r:12px;
  --r-lg:18px;
  --sh:0 1px 2px rgba(21,33,31,.05),0 8px 24px -12px rgba(21,33,31,.18);
  --sh-lg:0 2px 4px rgba(21,33,31,.06),0 24px 48px -20px rgba(21,33,31,.28);

  --f-display:"Newsreader",Georgia,serif;
  --f-body:"IBM Plex Sans",system-ui,-apple-system,sans-serif;
  --f-mono:"IBM Plex Mono",ui-monospace,monospace;
}

*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{
  margin:0;
  background:var(--paper);
  color:var(--ink);
  font-family:var(--f-body);
  font-size:18px;
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%}
.sprite{position:absolute;width:0;height:0;overflow:hidden}
.ic{width:1.15em;height:1.15em;vertical-align:-.2em;flex:none}
.ic-lg{vertical-align:-.3em}
.tone-teal{color:var(--teal)}
.tone-ochre{color:var(--ochre)}
.tone-plum{color:var(--plum)}
.tone-sage{color:var(--sage)}
.tone-rose{color:var(--rose)}
.is-hidden{display:none !important}

.wrap{max-width:1060px;margin:0 auto;padding:0 22px}
.wrap.narrow{max-width:760px}
.case{font-style:italic;font-family:var(--f-display);font-weight:500}

/* ---------- topbar ---------- */
.topbar{background:var(--ink);color:#EAF0EE;position:sticky;top:0;z-index:40}
.topbar-in{display:flex;align-items:center;justify-content:space-between;gap:20px;height:66px}
.brand{display:flex;align-items:center;gap:11px;color:inherit;text-decoration:none;font-weight:600;font-size:19px}
.brand-mark{display:grid;place-items:center;width:36px;height:36px;border-radius:10px;background:var(--teal);color:#fff}
.brand-tld{color:var(--ochre-br)}
.topnav{display:flex;gap:24px;font-size:15px}
.topnav a{color:#B9C7C3;text-decoration:none}
.topnav a:hover{color:#fff}

/* ---------- hero ---------- */
.hero{background:linear-gradient(168deg,#15211F 0%,#1B2E2B 52%,#20403C 100%);color:#EDF3F1;padding:76px 0 68px}
.eyebrow{font-family:var(--f-mono);font-size:13.5px;letter-spacing:.09em;text-transform:uppercase;color:var(--ochre-br);display:flex;align-items:center;gap:9px;margin:0 0 22px}
.hero h1{font-family:var(--f-display);font-weight:500;font-size:clamp(34px,5.4vw,58px);line-height:1.12;letter-spacing:-.015em;margin:0 0 24px;max-width:16ch}
.hero h1 em{color:var(--ochre-br);font-style:italic}
.lede{font-size:21px;line-height:1.6;color:#C4D3D0;max-width:60ch;margin:0 0 42px}

.hero-bar{display:flex;height:22px;border-radius:999px;overflow:hidden;position:relative;background:#0F1918}
.hb-a{width:50%;background:linear-gradient(90deg,var(--teal),#2A8A85)}
.hb-b{width:50%;background:linear-gradient(90deg,#D18C1A,var(--ochre))}
.hb-line{position:absolute;left:50%;top:-6px;bottom:-6px;width:3px;background:#FFFFFF;transform:translateX(-1px)}
.hero-cap{font-size:15.5px;color:#A6BAB6;margin:14px 0 34px}

.hero-actions{display:flex;flex-wrap:wrap;align-items:center;gap:18px}
.btn{display:inline-flex;align-items:center;gap:10px;border:0;border-radius:999px;padding:15px 28px;font-family:var(--f-body);font-size:17px;font-weight:600;text-decoration:none;cursor:pointer}
.btn-primary{background:var(--ochre-br);color:#1A1204}
.btn-primary:hover{background:#F2B33C}
.privacy-chip{display:inline-flex;align-items:center;gap:9px;font-size:14.5px;color:#AEC2BE;font-family:var(--f-mono)}

/* ---------- bands ---------- */
.band{padding:74px 0}
.band-estimator{background:var(--paper)}
.band-paper{background:#FBFCFA;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.band-indigo{background:linear-gradient(160deg,#22376B,#2C4680 60%,#35528F);color:#E7EDFA}
.band-agent{background:var(--paper);padding:56px 0}

/* ---------- step headers ---------- */
.step-head{display:flex;gap:20px;align-items:flex-start;margin:0 0 22px}
.step-head:not(:first-child){margin-top:52px}
.step-num{font-family:var(--f-mono);font-size:15px;font-weight:600;color:#fff;background:var(--ink);width:42px;height:42px;border-radius:11px;display:grid;place-items:center;flex:none}
.step-head h2{font-family:var(--f-display);font-weight:500;font-size:clamp(26px,3.4vw,34px);letter-spacing:-.01em;margin:2px 0 5px;display:flex;align-items:center;gap:12px}
.step-sub{margin:0;color:var(--muted);font-size:17px}

/* ---------- cards & fields ---------- */
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--r-lg);padding:30px;box-shadow:var(--sh)}
.field-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(268px,1fr));gap:18px}
.field-grid.two{grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.field{padding:16px 18px;border-radius:var(--r);background:#FAFBF9;border:1px solid var(--line);border-left:4px solid var(--line)}
.field-accent-teal{border-left-color:var(--teal);background:linear-gradient(90deg,var(--teal-l),#FAFBF9 60%)}
.field-accent-ochre{border-left-color:var(--ochre);background:linear-gradient(90deg,var(--ochre-l),#FAFBF9 60%)}
.field-accent-indigo{border-left-color:var(--indigo);background:linear-gradient(90deg,var(--indigo-l),#FAFBF9 60%)}
.field-accent-plum{border-left-color:var(--plum);background:linear-gradient(90deg,var(--plum-l),#FAFBF9 60%)}
.field label{display:flex;align-items:center;gap:9px;font-size:15.5px;font-weight:600;color:var(--ink-2);margin-bottom:10px}
.money{display:flex;align-items:center;gap:8px;background:#fff;border:1.5px solid var(--line);border-radius:10px;padding:0 14px}
.money:focus-within{border-color:var(--teal);box-shadow:0 0 0 3px rgba(31,111,107,.16)}
.cur,.unit{font-family:var(--f-mono);font-size:15px;color:var(--muted);flex:none}
.money input{border:0;outline:0;background:transparent;width:100%;padding:13px 0;font-family:var(--f-mono);font-size:19px;font-weight:500;color:var(--ink)}
.money input::-webkit-outer-spin-button,.money input::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}
.money input[type=number]{-moz-appearance:textfield}

.pool-total{display:flex;flex-wrap:wrap;gap:12px;justify-content:space-between;align-items:center;margin-top:24px;padding:20px 24px;border-radius:var(--r);background:var(--ink);color:#fff}
.pt-label{display:flex;align-items:center;gap:10px;font-size:16px;font-weight:600;color:#B9C7C3}
.pt-value{font-family:var(--f-mono);font-size:29px;font-weight:600;color:var(--ochre-br)}

.note{display:flex;gap:12px;align-items:flex-start;margin:20px 0 0;padding:15px 18px;border-radius:var(--r);font-size:16px;line-height:1.55}
.note-rose{background:var(--rose-l);color:#6E2A26;border:1px solid #EFC9C6}
.note-rose .ic{color:var(--rose);margin-top:3px}

/* ---------- choices ---------- */
.choices{border:0;padding:0;margin:26px 0 0}
.choices legend,.choices-inline legend{display:flex;align-items:center;gap:9px;font-size:15.5px;font-weight:600;color:var(--ink-2);padding:0;margin-bottom:12px}
.choice{display:flex;gap:13px;align-items:flex-start;padding:15px 17px;border:1.5px solid var(--line);border-radius:var(--r);background:#FAFBF9;cursor:pointer;margin-bottom:10px}
.choice input{position:absolute;opacity:0;width:0;height:0}
.ch-box{width:21px;height:21px;border-radius:50%;border:2px solid #B6C1BD;flex:none;margin-top:3px;position:relative}
.choice input:checked~.ch-box{border-color:var(--teal)}
.choice input:checked~.ch-box::after{content:"";position:absolute;inset:3.5px;border-radius:50%;background:var(--teal)}
.choice input:focus-visible~.ch-box{box-shadow:0 0 0 3px rgba(31,111,107,.3)}
.choice:has(input:checked){border-color:var(--teal);background:var(--teal-l)}
.ch-text{display:flex;flex-direction:column;gap:2px}
.ch-text strong{font-size:17px;font-weight:600}
.ch-text em{font-style:normal;font-size:15px;color:var(--muted)}
.choices-inline{display:flex;flex-wrap:wrap;align-items:center;gap:12px;margin-top:22px}
.choices-inline legend{margin:0;width:100%}
.choice-sm{margin:0;padding:11px 18px}

/* ---------- sub sections in card ---------- */
.sub-h{display:flex;align-items:center;gap:12px;font-family:var(--f-display);font-weight:500;font-size:24px;margin:34px 0 8px}
.card>.sub-h:first-child{margin-top:0}
.sub-p{margin:0 0 18px;color:var(--muted);font-size:16.5px}
.pill{font-family:var(--f-mono);font-size:12.5px;letter-spacing:.06em;text-transform:uppercase;padding:5px 11px;border-radius:999px;font-weight:600}
.pill-teal{background:var(--teal-l);color:var(--teal-d)}
.pill-ochre{background:var(--ochre-l);color:var(--ochre-d)}
.pill-plum{background:var(--plum-l);color:var(--plum)}

.mini-bar{display:flex;height:14px;border-radius:999px;overflow:hidden;background:var(--ochre-d);margin-top:18px}
.mb-a{background:var(--teal);transition:width .35s ease}
.mini-legend{display:flex;flex-wrap:wrap;align-items:center;gap:9px;font-size:15px;color:var(--muted);margin:11px 0 0;font-family:var(--f-mono)}
.mini-legend b{color:var(--ink);font-weight:600}
.key{width:12px;height:12px;border-radius:3px;display:inline-block;flex:none}
.key-teal{background:var(--teal)}
.key-ochre{background:var(--ochre)}
.key-line{background:var(--plum)}

.slider-wrap{margin-top:8px}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:12px;border-radius:999px;background:linear-gradient(90deg,var(--teal) 0%,var(--teal) 50%,var(--ochre) 50%,var(--ochre) 100%);outline:0}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:28px;height:28px;border-radius:50%;background:#fff;border:3px solid var(--ink);cursor:pointer;box-shadow:var(--sh)}
input[type=range]::-moz-range-thumb{width:24px;height:24px;border-radius:50%;background:#fff;border:3px solid var(--ink);cursor:pointer}
input[type=range]:focus-visible{box-shadow:0 0 0 3px rgba(31,111,107,.35)}

/* ---------- result ---------- */
.result{margin-top:36px;background:var(--ink);color:#EDF3F1;border-radius:var(--r-lg);padding:34px 30px;box-shadow:var(--sh-lg)}
.res-eyebrow{font-family:var(--f-mono);font-size:13px;letter-spacing:.09em;text-transform:uppercase;color:var(--ochre-br);display:flex;align-items:center;gap:9px;margin:0 0 12px}
.res-h{font-family:var(--f-display);font-weight:500;font-size:clamp(25px,3.6vw,34px);line-height:1.25;margin:0 0 28px}
.split-bar{margin-bottom:22px}
.sb-track{position:relative;height:44px;border-radius:12px;overflow:hidden;background:var(--ochre-d);border:1px solid rgba(255,255,255,.28)}
.sb-a{position:absolute;left:0;top:0;bottom:0;width:50%;background:var(--teal-d);transition:width .45s cubic-bezier(.4,0,.2,1)}
.sb-band{position:absolute;top:0;bottom:0;left:45%;width:10%;background:repeating-linear-gradient(115deg,rgba(255,255,255,.85) 0 3px,rgba(255,255,255,.25) 3px 8px);transition:left .45s cubic-bezier(.4,0,.2,1),width .45s cubic-bezier(.4,0,.2,1)}
.sb-labels{display:flex;justify-content:space-between;gap:20px;margin-top:16px}
.sb-lab{display:flex;flex-direction:column;gap:3px}
.sb-lab-b{text-align:right}
.sb-who{font-size:14.5px;color:#AEC2BE;display:flex;align-items:center;gap:8px;font-family:var(--f-mono)}
.sb-lab-b .sb-who{justify-content:flex-end}
.sb-pct{font-family:var(--f-mono);font-size:31px;font-weight:600;line-height:1.15}
.sb-lab-a .sb-pct{color:#5FC3BD}
.sb-lab-b .sb-pct{color:#E9A93C}
.sb-amt{font-family:var(--f-mono);font-size:16px;color:#B9C7C3}
.res-method{font-size:16px;color:#B9C7C3;border-top:1px solid #2E3E3B;padding-top:20px;margin:0}

.alt-result{margin-top:22px;padding:20px 22px;border-radius:var(--r);background:#243634;border:1px solid #35504C}
.alt-title{display:flex;align-items:center;gap:10px;font-weight:600;font-size:16.5px;margin:0 0 14px;color:#E9A93C}
.alt-rows{display:grid;gap:11px}
.alt-row{display:flex;flex-wrap:wrap;justify-content:space-between;gap:10px;font-size:16px;padding-bottom:10px;border-bottom:1px dashed #35504C}
.alt-row span{color:#B9C7C3}
.alt-row b{font-family:var(--f-mono);color:#fff}
.alt-note{font-size:15px;color:#AEC2BE;margin:14px 0 0}

.res-caveats{margin-top:26px;padding-top:22px;border-top:1px solid #2E3E3B}
.rc-title{display:flex;align-items:center;gap:10px;font-weight:600;font-size:16.5px;margin:0 0 14px}
.res-caveats .tick-list li{color:#B9C7C3}

.tick-list{list-style:none;padding:0;margin:0;display:grid;gap:11px}
.tick-list li{display:flex;gap:12px;align-items:flex-start;font-size:16.5px;line-height:1.5}
.tick-list li .ic{margin-top:3px}

/* ---------- prose ---------- */
.prose-h{font-family:var(--f-display);font-weight:500;font-size:clamp(28px,4vw,40px);letter-spacing:-.015em;line-height:1.2;margin:52px 0 20px}
.wrap>.eyebrow+.prose-h{margin-top:0}
.band-paper p{font-size:18px;line-height:1.7;color:var(--ink-2);margin:0 0 20px}
.prose-h-light{color:#fff}
.eyebrow-light{color:#B9CBF0}
.light-p{font-size:18px;line-height:1.7;color:#CFDAF2;margin:0 0 22px}

.steps-list{list-style:none;padding:0;margin:26px 0 34px;display:grid;gap:16px}
.steps-list li{display:flex;gap:18px;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:24px;box-shadow:var(--sh)}
.sl-num{font-family:var(--f-display);font-size:26px;font-weight:600;color:#fff;background:var(--teal);width:46px;height:46px;border-radius:12px;display:grid;place-items:center;flex:none}
.steps-list li:nth-child(2) .sl-num{background:var(--ochre)}
.steps-list li:nth-child(3) .sl-num{background:var(--plum)}
.steps-list h3{font-family:var(--f-display);font-weight:600;font-size:21px;margin:4px 0 8px}
.steps-list p{margin:0;font-size:17px;color:var(--muted)}

.callout{display:flex;gap:18px;padding:26px;border-radius:var(--r-lg);margin:30px 0 34px}
.callout h3{font-family:var(--f-display);font-weight:600;font-size:21px;margin:0 0 9px}
.callout p{margin:0;font-size:17px;line-height:1.65}
.callout-plum{background:var(--plum-l);border:1px solid #E4C6D8}
.callout-plum .ic,.callout-plum h3{color:var(--plum)}
.callout-plum p{color:#4E2440}
.callout-ochre{background:var(--ochre-l);border:1px solid #EDD5A6}
.callout-ochre .ic,.callout-ochre h3{color:var(--ochre-d)}
.callout-ochre p{color:#5B3D08}
.callout-teal{background:var(--teal-l);border:1px solid #B7D9D6}
.callout-teal .ic,.callout-teal h3{color:var(--teal-d)}
.callout-teal p{color:#123F3C}

.two-col{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:18px;margin:26px 0 10px}
.col-box{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:24px;box-shadow:var(--sh)}
.col-in{border-top:4px solid var(--sage)}
.col-out{border-top:4px solid var(--rose)}
.col-box h3{display:flex;align-items:center;gap:11px;font-family:var(--f-display);font-weight:600;font-size:20px;margin:0 0 16px}
.col-in h3 .ic{color:var(--sage)}
.col-out h3 .ic{color:var(--rose)}
.col-note{display:flex;gap:10px;align-items:flex-start;font-size:15.5px !important;color:var(--muted) !important;margin:18px 0 0 !important;padding-top:16px;border-top:1px dashed var(--line)}
.col-note .ic{color:var(--rose);margin-top:3px}

/* ---------- flat section ---------- */
.opt-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:16px;margin:30px 0 46px}
.opt{background:rgba(255,255,255,.10);border:1px solid rgba(255,255,255,.26);border-radius:var(--r-lg);padding:24px}
.opt-ic{display:grid;place-items:center;width:46px;height:46px;border-radius:12px;margin-bottom:15px;color:#fff}
.opt-ic-1{background:var(--teal)}
.opt-ic-2{background:var(--ochre)}
.opt-ic-3{background:var(--rose)}
.opt h3{font-family:var(--f-display);font-weight:600;font-size:20px;margin:0 0 9px;color:#fff}
.opt p{margin:0;font-size:16px;line-height:1.6;color:#CFDAF2}

.wf-title{display:flex;align-items:center;gap:12px;font-family:var(--f-display);font-weight:500;font-size:clamp(24px,3.2vw,30px);margin:0 0 14px;color:#fff}
.waterfall{list-style:none;padding:0;margin:26px 0 22px;display:grid;gap:0}
.wf{display:flex;gap:16px;align-items:center;padding:16px 20px;border-radius:var(--r);background:rgba(255,255,255,.09);border-left:4px solid #fff}
.wf-1{border-left-color:#5FC3BD}
.wf-2{border-left-color:#E9A93C}
.wf-3{border-left-color:#D98A84}
.wf-4{border-left-color:#9EB4E6}
.wf-5{border-left-color:#C79BD1}
.wf-6{border-left-color:#8ED08A;background:rgba(255,255,255,.16)}
.wf-n{font-family:var(--f-mono);font-size:15px;font-weight:600;width:32px;height:32px;border-radius:9px;display:grid;place-items:center;background:rgba(255,255,255,.18);flex:none;color:#fff}
.wf b{display:block;font-size:17.5px;color:#fff;font-weight:600}
.wf em{font-style:normal;font-size:15.5px;color:#C9D5F0}
.wf-arrow{display:grid;place-items:center;padding:5px 0;color:#93A7DA}
.wf-foot{margin-top:26px}
.xlink{color:#FFD98A;text-decoration:underline;text-underline-offset:3px}

/* ---------- agent ---------- */
.agent-card{background:#fff;border:1px solid var(--line);border-top:5px solid var(--ochre);border-radius:var(--r-lg);padding:30px;box-shadow:var(--sh)}
.agent-head{display:flex;gap:16px;align-items:center;margin-bottom:16px}
.agent-ic{display:grid;place-items:center;width:50px;height:50px;border-radius:13px;background:var(--ochre-l);color:var(--ochre-d);flex:none}
.agent-eyebrow{font-family:var(--f-mono);font-size:12.5px;letter-spacing:.08em;text-transform:uppercase;color:var(--ochre-d);margin:0 0 3px}
.agent-title{font-family:var(--f-display);font-weight:600;font-size:23px;margin:0}
.agent-body{font-size:17px;color:var(--ink-2);margin:0 0 16px}
.agent-meta{display:grid;gap:7px;font-size:16px;color:var(--muted);font-family:var(--f-mono)}
.agent-meta:empty{display:none}
.btn-agent{background:var(--teal);color:#fff;margin-top:20px}
.btn-agent:hover{background:var(--teal-d)}
.agent-foot{font-size:14.5px;color:var(--muted);margin:18px 0 0;padding-top:16px;border-top:1px dashed var(--line)}

/* ---------- faq ---------- */
.faq{display:grid;gap:11px;margin:26px 0 40px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden}
.faq summary{display:flex;align-items:center;gap:12px;padding:18px 22px;font-weight:600;font-size:17.5px;cursor:pointer;list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary .ic{color:var(--teal)}
.faq details[open] summary{border-bottom:1px solid var(--line);background:var(--teal-l)}
.faq p{padding:18px 22px 20px;margin:0 !important;font-size:17px !important;color:var(--muted) !important}

.disclaimer{display:flex;gap:18px;padding:26px;border-radius:var(--r-lg);background:#242F2D;color:#D3DEDB;margin-top:14px}
.disclaimer .ic{color:var(--ochre-br)}
.disclaimer h3{font-family:var(--f-display);font-weight:600;font-size:21px;margin:0 0 9px;color:#fff}
.disclaimer p{margin:0 !important;font-size:16.5px !important;line-height:1.65;color:#B4C2BF !important}

/* ---------- footer ---------- */
.site-foot{background:var(--ink);color:#93A8A4;padding:46px 0 54px}
.foot-brand{display:flex;align-items:center;gap:11px;color:#fff;font-weight:600;font-size:18px;margin-bottom:16px}
.foot-p{font-size:15.5px;color:#A6BAB6;margin:0 0 10px;max-width:62ch}
.foot-links a{color:#7FC7C2;text-decoration:none}
.foot-links a:hover{text-decoration:underline}
.foot-partner{display:flex;align-items:center;gap:10px;flex-wrap:wrap;margin:22px 0 0;padding:16px 18px;border-radius:12px;background:#1E2C29;border:1px solid #2E3E3B;font-size:15.5px;color:#A6BAB6}
.foot-partner .ic{color:var(--ochre-br)}
.foot-partner a{color:#7FC7C2;text-decoration:none;font-family:var(--f-mono)}
.foot-partner a:hover{text-decoration:underline}
.foot-c{font-size:14px;color:#8CA39E;margin:20px 0 0}

/* ---------- a11y & motion ---------- */
a:focus-visible,button:focus-visible,summary:focus-visible,input:focus-visible{outline:3px solid var(--ochre-d);outline-offset:2px}
@media (prefers-reduced-motion:reduce){*{transition:none !important;animation:none !important}}

@media (max-width:760px){
  body{font-size:17px}
  .topnav{display:none}
  .hero{padding:56px 0 50px}
  .band{padding:54px 0}
  .card,.result{padding:22px 18px}
  .step-head{gap:14px}
  .step-num{width:36px;height:36px;border-radius:9px}
  .sb-pct{font-size:26px}
  .callout,.steps-list li,.disclaimer{flex-direction:column;gap:12px;padding:22px}
}