@layer theme{:root,:host{--font-sans:-apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", "Noto Sans", Arial, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";--font-mono:ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace;--default-font-family:var(--font-sans);--default-mono-font-family:var(--font-mono)}}@layer base{*,:after,:before,::backdrop{box-sizing:border-box;border:0 solid;margin:0;padding:0}::file-selector-button{box-sizing:border-box;border:0 solid;margin:0;padding:0}html,:host{-webkit-text-size-adjust:100%;tab-size:4;line-height:1.5;font-family:var(--default-font-family,-apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", "Noto Sans", Arial, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color 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optgroup{font-weight:bolder}:where(select:is([multiple],[size])) optgroup option{padding-inline-start:20px}::file-selector-button{margin-inline-end:4px}::placeholder{opacity:1}@supports (not ((-webkit-appearance:-apple-pay-button))) or (contain-intrinsic-size:1px){::placeholder{color:currentColor}@supports (color:color-mix(in lab, red, red)){::placeholder{color:color-mix(in oklab, currentcolor 50%, transparent)}}}textarea{resize:vertical}::-webkit-search-decoration{-webkit-appearance:none}::-webkit-date-and-time-value{min-height:1lh;text-align:inherit}::-webkit-datetime-edit{display:inline-flex}::-webkit-datetime-edit-fields-wrapper{padding:0}::-webkit-datetime-edit{padding-block:0}::-webkit-datetime-edit-year-field{padding-block:0}::-webkit-datetime-edit-month-field{padding-block:0}::-webkit-datetime-edit-day-field{padding-block:0}::-webkit-datetime-edit-hour-field{padding-block:0}::-webkit-datetime-edit-minute-field{padding-block:0}::-webkit-datetime-edit-second-field{padding-block:0}::-webkit-datetime-edit-millisecond-field{padding-block:0}::-webkit-datetime-edit-meridiem-field{padding-block:0}::-webkit-calendar-picker-indicator{line-height:1}:-moz-ui-invalid{box-shadow:none}button,input:where([type=button],[type=reset],[type=submit]){appearance:button}::file-selector-button{appearance:button}::-webkit-inner-spin-button{height:auto}::-webkit-outer-spin-button{height:auto}[hidden]:where(:not([hidden=until-found])){display:none!important}}@layer components;@layer utilities{.visible{visibility:visible}.absolute{position:absolute}.fixed{position:fixed}.static{position:static}.container{width:100%}@media (min-width:40rem){.container{max-width:40rem}}@media (min-width:48rem){.container{max-width:48rem}}@media (min-width:64rem){.container{max-width:64rem}}@media (min-width:80rem){.container{max-width:80rem}}@media (min-width:96rem){.container{max-width:96rem}}.flex{display:flex}.grid{display:grid}.inline{display:inline}.inline-flex{display:inline-flex}.table{display:table}.underline{text-decoration-line:underline}}:root{--background:#f4f7fb;--surface:#fff;--surface-soft:#f8fbff;--ink:#0b1833;--muted:#5d6b82;--line:#d8e1ef;--line-strong:#bfccdc;--brand:#246bfe;--brand-dark:#071b3d;--brand-mid:#0c2f66;--success:#63d785;--success-dark:#1d7a45;--warning:#9a6416;--warning-bg:#fff4e6;--shadow:0 22px 70px #071b3d1f}*{box-sizing:border-box}html{scroll-behavior:smooth}body{background:radial-gradient(circle at 20% 0%, #246bfe1f, transparent 34rem), linear-gradient(180deg, #f7fbff 0%, var(--background) 38%, #fff 100%);color:var(--ink);letter-spacing:-.01em;text-rendering:optimizelegibility;margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif}a{color:inherit;text-underline-offset:.18em;text-decoration-color:#246bfe59}button,input,select{font:inherit}button,a,summary{outline-offset:4px}main{min-height:70vh}.container{width:min(1328px,100% - 32px);margin:0 auto}.section{padding:64px 0}.band{border-block:1px solid var(--line);-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);background:#ffffffb8}.site-header{z-index:10;color:#fff;background:linear-gradient(90deg,#061633,#08204a 56%,#061633);border-bottom:1px solid #ffffff1a;position:sticky;top:0}.site-header-inner{justify-content:space-between;align-items:center;gap:24px;min-height:64px;display:flex}.brand-link{color:#fff;letter-spacing:-.03em;align-items:center;gap:10px;font-size:1.22rem;font-weight:850;text-decoration:none;display:inline-flex}.brand-logo{-o-object-fit:contain;object-fit:contain;filter:drop-shadow(0 10px 22px #00000038);border-radius:14px;width:44px;height:44px;display:block}.primary-nav{flex-wrap:wrap;justify-content:flex-end;align-items:center;gap:22px;display:flex}.nav-link{color:#ffffffd6;letter-spacing:-.015em;border-bottom:3px solid #0000;align-items:center;min-height:64px;padding:0 4px;font-size:.94rem;font-weight:720;text-decoration:none;display:inline-flex}.nav-link:hover,.nav-link:focus{color:#fff;border-bottom-color:#63d785e6}.hero{padding:44px 0 22px}.calculator-hero{padding:34px 0 10px}.calculator-hero .lead{margin-bottom:0}.hero-grid{grid-template-columns:minmax(0,1.05fr) minmax(320px,.95fr);align-items:end;gap:48px;display:grid}.eyebrow{color:var(--brand);letter-spacing:.105em;text-transform:uppercase;margin:0 0 12px;font-size:.78rem;font-weight:850}.hero h1,.display-heading{letter-spacing:-.055em;max-width:820px;margin:0;font-size:clamp(3rem,6.4vw,5.45rem);line-height:.98}.lead{color:#263854;letter-spacing:-.018em;max-width:720px;font-size:clamp(1.06rem,1.7vw,1.28rem);line-height:1.72}.trust-strip{flex-wrap:wrap;gap:18px;margin-top:24px;display:flex}.trust-item{min-width:150px;color:var(--muted);gap:3px;font-size:.9rem;display:grid}.trust-item strong{color:var(--ink);font-size:.98rem}.insight-card{background:#ffffffc7;border:1px solid #246bfe29;border-radius:22px;padding:24px;box-shadow:0 18px 50px #071b3d14}.tool-intro{padding-top:24px}.tool-shell{grid-template-columns:minmax(320px,420px) minmax(0,1fr);align-items:start;gap:22px;display:grid}.tool-results-column{gap:18px;min-width:0;display:grid}.standard-result-stack{align-items:stretch}.standard-result-stack>*{width:100%}.panel{border:1px solid var(--line);background:var(--surface);border-radius:18px;box-shadow:0 16px 50px #071b3d14}.panel-pad{padding:clamp(20px,2.5vw,30px)}.field{gap:8px;display:grid}.field label,.label{font-weight:750}.field input,.field select{border:1px solid var(--line-strong);width:100%;min-height:50px;color:var(--ink);background:linear-gradient(#fff,#fbfdff);border-radius:10px;padding:11px 14px;box-shadow:inset 0 1px 1px #071b3d08}.field input:focus,.field select:focus{border-color:var(--brand);outline:0;box-shadow:0 0 0 4px #246bfe1f}.help{color:var(--muted);font-size:.925rem}.grid-2{grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;display:grid}.grid-3{grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;display:grid}.result-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;display:grid}.result-card{border:1px solid var(--line);background:#fbfdff;border-radius:14px;padding:16px}.result-card strong{margin-top:8px;font-size:clamp(1.35rem,3vw,2rem);display:block}.button{background:linear-gradient(135deg, var(--brand), #1d55df);color:#fff;cursor:pointer;border:0;border-radius:10px;min-height:44px;padding:11px 18px;font-weight:800;text-decoration:none;box-shadow:0 12px 24px #246bfe38}.button.secondary{border:1px solid var(--line);color:var(--ink);box-shadow:none;background:#fff}.button.ghost{color:#fff;box-shadow:none;background:#ffffff1a;border:1px solid #ffffff29}.calculator-panel{background:#fffffff0}.calculator-panel h2,.result-panel h2,.proof-card h2{letter-spacing:-.035em;margin-top:0}.result-panel{color:#fff;background:radial-gradient(circle at 86% 12%,#246bfe61,#0000 18rem),linear-gradient(135deg,#071936,#0b2a5f 58%,#06142d);border:1px solid #4a77c259;overflow:hidden;box-shadow:0 24px 70px #071b3d3d}.result-panel .help{color:#ffffffb8}.result-panel .result-card{background:#ffffff14;border-color:#ffffff24}.result-panel .result-card strong{color:#fff}.maturity-total{letter-spacing:-.075em;margin:4px 0 20px;font-size:clamp(3.2rem,8vw,5.4rem);line-height:.95;display:block}.positive-value{color:var(--success)!important}.result-meta{background:#ffffff21;border:1px solid #ffffff24;border-radius:14px;grid-template-columns:repeat(3,minmax(0,1fr));gap:1px;margin-top:16px;display:grid;overflow:hidden}.result-meta>div{background:#081e426b;padding:14px 16px}.result-meta strong{margin-top:5px;display:block}.result-actions{flex-wrap:wrap;gap:12px;margin-top:18px;display:flex}.proof-grid{grid-template-columns:minmax(0,1fr) minmax(360px,.92fr);gap:20px;margin-top:24px;display:grid}.proof-card{border:1px solid var(--line);background:#fffffff0;border-radius:18px;min-width:0;padding:clamp(20px,2.3vw,28px);box-shadow:0 16px 50px #071b3d12}figure{margin:0}.disclaimer-row{margin-top:20px}.table-wrap{overflow-x:auto}table{border-collapse:collapse;width:100%}th,td{border-bottom:1px solid var(--line);text-align:left;padding:13px 12px}th{color:var(--muted);font-size:.9rem}.chart{width:100%;min-height:260px}.professional-chart{min-height:230px;margin-top:14px;display:block;overflow:visible}.chart-summary{grid-template-columns:repeat(3,minmax(0,1fr));gap:10px;margin-top:12px;display:grid}.chart-summary span{border:1px solid var(--line);color:var(--muted);background:#f8fbff;border-radius:12px;gap:4px;padding:10px 12px;font-size:.78rem;font-weight:700;display:grid}.chart-summary strong{color:var(--ink);font-size:.98rem}.chart-legend{color:var(--muted);flex-wrap:wrap;gap:18px;margin-top:10px;font-size:.86rem;font-weight:700;display:flex}.chart-legend span{align-items:center;gap:8px;display:inline-flex}.legend-dot{border-radius:999px;width:9px;height:9px;display:inline-block}.balance-dot{background:var(--brand)}.interest-dot{background:var(--success-dark)}.disclaimer{border-left:4px solid var(--warning);background:var(--warning-bg);color:#4f3420;border-radius:10px;padding:14px 16px}.result-panel .disclaimer{color:#3f2b17;background:#fff4e6f5;border-left-color:#d9a45a}.tool-grid{grid-template-columns:repeat(4,minmax(0,1fr));gap:18px;display:grid}.tool-card{align-content:start;gap:18px;min-height:222px;padding:clamp(24px,2.6vw,34px);text-decoration:none;transition:transform .18s,border-color .18s,box-shadow .18s;display:grid}.tool-card:hover,.tool-card:focus-visible{border-color:#246bfe47;transform:translateY(-3px);box-shadow:0 24px 70px #071b3d21}.tool-card h3,.tool-card p{margin:0}.tool-card h3{max-width:13ch;color:var(--ink);letter-spacing:-.035em;font-size:clamp(1.35rem,2vw,1.68rem);font-weight:880;line-height:1.14}.tool-card p{max-width:34ch;color:var(--muted);letter-spacing:-.012em;font-size:.98rem;line-height:1.68}.tool-icon{filter:drop-shadow(0 14px 26px #071b3d1a);border-radius:18px;width:64px;height:64px;display:inline-flex}.tool-icon img{-o-object-fit:contain;object-fit:contain;width:64px;height:64px;display:block}.article-shell{background:#ffffffc7;border-radius:24px;max-width:840px;margin:0 auto;padding:clamp(24px,4vw,56px);box-shadow:0 16px 60px #071b3d14}.article-shell h1{letter-spacing:-.065em;margin-top:0;font-size:clamp(2.4rem,5vw,4.2rem);line-height:1}.legal-content{max-width:920px;color:var(--foreground)}.legal-content .eyebrow{margin-bottom:14px}.legal-content .help{color:var(--muted);letter-spacing:-.01em;margin:-8px 0 24px;font-weight:750}.legal-content .lead{color:#223653;letter-spacing:-.022em;max-width:74ch;margin:0 0 22px;font-size:clamp(1.08rem,1.8vw,1.24rem);line-height:1.72}.legal-content h1{max-width:12ch}.legal-content h2{border-top:1px solid var(--line);color:var(--foreground);letter-spacing:-.04em;margin:48px 0 14px;padding-top:26px;font-size:clamp(1.48rem,2.3vw,2rem);font-weight:880;line-height:1.18}.legal-content h3{color:#17335d;letter-spacing:-.024em;margin:28px 0 10px;font-size:clamp(1.08rem,1.6vw,1.22rem);font-weight:820;line-height:1.32}.legal-content p{color:#334761;letter-spacing:-.012em;max-width:76ch;margin:0 0 18px;font-size:1rem;line-height:1.8}.legal-content ul{color:#334761;letter-spacing:-.01em;gap:8px;margin:10px 0 24px;padding-left:1.25rem;font-size:1rem;line-height:1.72;display:grid}.legal-content li::marker{color:var(--brand)}.legal-content a{color:#2563eb;text-underline-offset:.18em;font-weight:750;text-decoration:underline;text-decoration-thickness:.09em}.legal-content a:hover,.legal-content a:focus{color:#1d4ed8}.legal-content .table-wrap{background:#fff;border-color:#c8d6ea;margin:18px 0 26px}.legal-content th{color:#17335d;font-weight:850}.legal-content td{color:#334761;line-height:1.55}.seo-copy{gap:22px;display:grid}.seo-copy h2{color:var(--ink);letter-spacing:-.045em;margin:0 0 10px;font-size:clamp(1.55rem,2.5vw,2.25rem);line-height:1.16}.seo-copy h3{color:#10254a;letter-spacing:-.028em;margin:0 0 8px;font-size:1.12rem;line-height:1.28}.seo-copy p,.seo-copy li{color:#40506a;line-height:1.75}.seo-copy ul,.seo-copy ol{margin:10px 0 0;padding-left:1.2rem}.seo-copy li+li{margin-top:6px}.content-link{color:#2563eb;text-underline-offset:.18em;font-weight:760;text-decoration:underline;text-decoration-thickness:.08em}.source-note{border-top:1px solid var(--line);color:var(--muted);margin-top:18px;padding-top:16px;font-size:.94rem}.sr-only{clip:rect(0, 0, 0, 0);white-space:nowrap;border:0;width:1px;height:1px;margin:-1px;padding:0;position:absolute;overflow:hidden}@media (max-width:860px){.site-header{position:relative}.site-header-inner{flex-direction:column;align-items:flex-start;gap:14px;min-height:auto;padding:16px 0}.primary-nav{scrollbar-width:none;flex-wrap:nowrap;justify-content:flex-start;gap:10px;width:100%;padding-bottom:2px;overflow-x:auto}.primary-nav::-webkit-scrollbar{display:none}.nav-link{white-space:nowrap;background:#ffffff14;border:1px solid #ffffff29;border-radius:999px;flex:none;min-height:38px;padding:0 12px;font-size:.86rem}.nav-link:hover,.nav-link:focus{background:#ffffff1f;border-color:#63d785a3}.hero{padding:32px 0 12px}.hero-grid,.tool-shell,.grid-2,.grid-3,.result-grid,.result-meta,.proof-grid{grid-template-columns:1fr}.section{padding:42px 0}.hero h1,.display-heading{font-size:clamp(2.7rem,14vw,3.9rem)}.lead{font-size:1.02rem}.trust-strip{grid-template-columns:repeat(3,minmax(0,1fr));gap:10px;margin-top:18px;display:grid}.trust-item{min-width:0;font-size:.78rem}.trust-item strong{font-size:.88rem}.hero-grid .insight-card{display:none}.tool-shell{gap:16px}.maturity-total{font-size:clamp(2.8rem,15vw,4.2rem)}.proof-grid{margin-top:16px}.chart-summary{grid-template-columns:1fr}.tool-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (max-width:640px){.tool-grid{grid-template-columns:1fr}.tool-card{min-height:0}}@media print{header,nav,.no-print,footer{display:none!important}body{background:#fff}.panel{box-shadow:none}}