:root{--ink:#152b23;--green:#173e31;--link:#176446;--accent:#f3c442;--surface:#f3f6f3;--line:#d6ded8;--muted:#53635a;--error:#a72b21;font-family:ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);font-size:18px;line-height:1.65;background:#fff;font-synthesis:none;text-rendering:optimizeLegibility}*{box-sizing:border-box}body{margin:0}a{color:var(--link);text-underline-offset:4px}button,input,textarea{font:inherit}button{cursor:pointer;border:0}a,button,input,summary,textarea{-webkit-tap-highlight-color:transparent}a:focus-visible,button:focus-visible,input:focus-visible,textarea:focus-visible,summary:focus-visible,[tabindex]:focus-visible{outline:3px solid var(--link);outline-offset:4px}h1,h2,h3,p{margin-top:0}h1,h2,h3{font-weight:650;letter-spacing:-.04em;line-height:1.14}h1{font-size:clamp(2.3rem,5vw,4rem);margin-bottom:26px}h2{font-size:clamp(1.7rem,3vw,2.35rem);margin-bottom:20px}h3{font-size:1.2rem}p{margin-bottom:20px}svg{vertical-align:middle;flex-shrink:0}[hidden]{display:none!important}.container{max-width:1224px;padding-inline:32px;margin-inline:auto}.muted,.caption{color:var(--muted)}.caption{font-size:14px;line-height:1.65}.lead{font-size:clamp(1.05rem,1.7vw,1.3rem);line-height:1.6;letter-spacing:-.01em}.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap}.skip-link{position:fixed;top:-100px;left:16px;z-index:100;background:var(--green);color:#fff;padding:12px 24px}.skip-link:focus{top:16px}.preview-bar{background:#f9f0d2;color:#584820;font-size:13px;padding:7px 0;border-bottom:1px solid #ece0b8}.preview-bar 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#e7ede5}.panel-top{display:flex;align-items:center;justify-content:space-between;padding-bottom:18px;margin-bottom:24px;border-bottom:1px solid var(--line)}.panel-top>span{font-size:12px;letter-spacing:.12em;font-weight:650}.panel-top>a{padding:4px}.quick-panel h2{font-size:2rem;margin-bottom:14px}.quick-panel>p{font-size:15px;color:var(--muted);margin-bottom:22px}.quick-panel .field{margin-bottom:16px}.quick-panel .field label{font-size:14px}.quick-panel .button{width:100%;margin-top:4px}.quick-panel .caption{font-size:12px;margin:12px 0 0}.input-row{display:grid;grid-template-columns:1fr 1.2fr;gap:16px}.quick-result{padding-top:18px;margin-top:18px;border-top:1px solid var(--line);font-size:14px}.quick-result 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small{display:block;font-size:12px;line-height:1.55;color:var(--muted);margin-top:6px}.field-error{display:block;color:var(--error);font-size:13px;line-height:1.5;margin-top:5px}.field-error:empty,.status:empty{display:none}input[aria-invalid="true"]{border:2px solid var(--error)}.status{font-size:14px;line-height:1.5;color:var(--link);margin:12px 0}.status[data-error="true"]{color:var(--error)}.notice{background:#fff6dd;border-left:3px solid #d8ac33;padding:14px 18px;font-size:14px;line-height:1.7;color:#574626}.result-panel{position:sticky;top:24px;min-width:0;padding:28px;border:1px solid var(--line);border-radius:12px;background:var(--surface)}.result-panel h2{font-size:1.5rem}.result-panel>p{font-size:14px;line-height:1.75}.result-caveat{border-top:1px solid var(--line);padding-top:18px;margin:24px 0 0!important;font-size:12px!important;color:var(--muted)}.result-panel dl{margin:0 0 20px}.result-panel dl>div{display:flex;justify-content:space-between;gap:16px;padding:12px 0;border-bottom:1px solid var(--line);font-size:14px}.result-panel dt{max-width:65%}.result-panel dd{margin:0;text-align:right;font-weight:550;font-variant-numeric:tabular-nums;overflow-wrap:anywhere}.net-total{border-top:2px solid var(--green);padding-top:18px;margin:22px 0}.net-total span{font-size:13px}.net-total strong{display:block;font-size:clamp(1.5rem,3vw,2.2rem);line-height:1.2;letter-spacing:-.045em;overflow-wrap:anywhere;margin:12px 0}.negative{color:var(--error)}.result-description{font-size:13px;line-height:1.7}.save-controls{display:flex;flex-wrap:wrap;gap:18px;border-top:1px solid var(--line);margin-top:24px;padding-top:12px}.save-controls+.caption{font-size:12px}.tool-explainer{max-width:824px;padding-block:30px 58px}.tool-explainer h2{font-size:1.8rem}.tool-explainer p{font-size:16px;line-height:1.8}.formula{padding:24px 28px;border-left:3px solid var(--green);background:var(--surface);margin:20px 0 28px;font-size:16px;line-height:1.9}.saving-section{display:grid;grid-template-columns:1fr 1.2fr;gap:64px;padding-block:50px 70px;border-top:1px solid var(--line)}.saving-section>div>p:not(.section-label){font-size:16px;color:var(--muted)}.saving-section form .button{margin-top:24px}.goal-result{padding-top:20px;font-size:18px;font-weight:550}.comparison-form{padding-block:10px 38px}.compare-grid{display:grid;grid-template-columns:1fr 1fr;gap:32px;margin:28px 0 12px}.comparison-plan{border:1px solid var(--line);border-radius:12px;padding:22px 26px 28px}.comparison-plan legend{float:left;margin-top:0;padding-bottom:18px;border-bottom:1px solid var(--line)}.comparison-plan .field-grid{clear:both}.comparison-output{margin-top:35px}.comparison-output .result-panel{position:static}.comparison-output .result-panel>h2{font-size:1.7rem}.comparison-table{width:100%;border-collapse:collapse;font-size:15px;min-width:360px;margin:22px 0}.comparison-table th,.comparison-table td{text-align:left;padding:14px 12px;border-bottom:1px solid var(--line);font-variant-numeric:tabular-nums}.comparison-table thead{background:#e6ede6}.table-scroll{max-width:100%;overflow-x:auto}.comparison-result-title{font-size:26px;letter-spacing:-.035em}.comparison-output .result-description{font-size:15px}.comparison-output [data-result-actions]{max-width:480px}[data-copy-fallback] label{display:block;font-size:13px;margin-top:18px}[data-copy-text]{display:block;width:100%;padding:12px;border:1px solid var(--line);border-radius:5px;font-size:14px;line-height:1.7;margin-top:8px;background:#fff;color:var(--ink)}.result-panel [data-result-actions] .button{font-size:14px;min-height:46px}a,button{touch-action:manipulation}
@media(max-width:1100px){#site-nav{gap:18px}.hero{gap:46px}.article-shell{grid-template-columns:minmax(0,1fr) 210px;gap:44px}.trust-section{gap:50px}.task-grid{gap:26px}.task-grid>a+a{padding-left:26px}.tool-layout{gap:28px}.comparison-plan{padding:20px}.field-grid{gap:18px}}
@media(max-width:820px){.container{padding-inline:24px}.header-inner{min-height:88px;flex-wrap:wrap;gap:0}.brand{font-size:18px}.brand-mark{height:43px;width:43px}.menu-button{display:flex}#site-nav{width:100%;padding:10px 0 22px;flex-direction:column;align-items:stretch;gap:3px}html.js #site-nav:not(.open){display:none}#site-nav a{min-height:48px;border-bottom:1px solid var(--line);font-size:16px}#site-nav .nav-official{justify-content:space-between;margin-top:8px}.hero{grid-template-columns:1fr 1fr;gap:28px;padding-block:48px 54px}.hero h1{font-size:clamp(2.35rem,5.1vw,3.5rem)}.hero .lead{font-size:18px}.hero-description{font-size:15px}.hero .actions .button{font-size:14px;padding:14px 16px}.quick-panel{padding:22px}.quick-panel h2{font-size:1.7rem}.input-row{grid-template-columns:1fr}.task-grid{gap:20px;padding-block:34px}.task-grid>a{padding-right:10px}.task-grid>a+a{padding-left:20px}.task-grid h2{font-size:1.3rem}.task-grid p{font-size:14px}.task-grid .text-link{font-size:13px}.article-shell{display:block}.article-toc{display:none}.tool-layout{grid-template-columns:1fr}.result-panel{position:static}.saving-section{gap:32px}.comparison-plan .field-grid{grid-template-columns:1fr}.footer-top{gap:28px}.footer-top nav{gap:18px}}
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@media(max-width:360px){.field-grid,.comparison-plan .field-grid,.input-row{grid-template-columns:1fr}.preview-bar span{max-width:175px;text-align:right}.quick-panel{padding:21px}.button{padding:14px 18px}.hero h1{font-size:2.4rem}}
@media(prefers-reduced-motion:reduce){*,*:before,*:after{transition:none!important;animation:none!important;scroll-behavior:auto!important}.button:hover{transform:none}}
@media print{.site-header,.site-footer,.preview-bar,.form-toolbar,.save-controls,.article-toc,.breadcrumbs{display:none}.container{max-width:100%;padding:0}.tool-layout,.article-shell{display:block}.result-panel{position:static;break-inside:avoid}a{color:inherit}}