:root{color-scheme:light;--ink:#152e46;--muted:#526476;--teal:#08796f;--amber:#926112;--paper:#fff;--ground:#f2f6f8;--line:#cbd6dd;--light-teal:#edf8f5;--warn:#fff5dc;--error:#9b2635;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;color:var(--ink);background:var(--ground);font-size:16px;line-height:1.5;font-synthesis:none}
*{box-sizing:border-box}body{margin:0}button,input,select{font:inherit}button,select,summary,input[type=checkbox],input[type=range]{cursor:pointer}button{border:1px solid var(--line);background:var(--paper);color:var(--ink);padding:10px 15px;min-height:44px;border-radius:7px;font-weight:650;transition:background .15s,border-color .15s}button:hover{background:var(--light-teal);border-color:var(--teal)}button.primary{background:var(--ink);border-color:var(--ink);color:white}button.primary:hover{background:#254d6b}button:disabled{opacity:.5;cursor:not-allowed}a{color:#075f77;text-underline-offset:3px}a:hover{text-decoration-thickness:2px}:focus-visible{outline:3px solid #0a837a;outline-offset:3px}input,select{width:100%;min-height:46px;padding:10px 11px;border:1px solid #a7b8c5;border-radius:6px;background:white;color:var(--ink)}input{font-variant-numeric:tabular-nums}input[aria-invalid=true]{border:2px solid var(--error)}label{display:block;font-size:14px;font-weight:650;margin:17px 0 6px}label span{font-weight:400;color:var(--muted);font-size:12px}h1,h2,h3,p{margin-top:0}h1{font-family:Georgia,"Times New Roman",serif;font-size:clamp(27px,2.65vw,39px);line-height:1.12;font-weight:400;letter-spacing:-.6px;max-width:740px;margin-bottom:11px}h2{font-size:19px;line-height:1.3;margin-bottom:10px}h3{font-size:19px;margin-bottom:6px}p{margin-bottom:12px}summary{font-size:16px;font-weight:700;min-height:44px;padding:10px 0}details[open]>summary{margin-bottom:8px}.app-shell{max-width:1560px;margin:auto;padding:32px 40px}.site-header{display:flex;gap:24px;justify-content:space-between;align-items:center;margin-bottom:24px}.eyebrow{font-size:11px;font-weight:750;letter-spacing:1.65px;margin-bottom:10px}.subtitle{font-size:14px;color:var(--muted);margin:0}.subtitle span{margin:0 9px}.header-actions{display:flex;gap:8px;flex-shrink:0}.mode-banner{padding:12px 18px;font-size:14px;border:1px solid #d9be7c;background:var(--warn);border-radius:8px;margin-bottom:22px}.mode-banner.client{background:var(--light-teal);border-color:#abd4cc}.workspace{display:grid;grid-template-columns:315px minmax(0,1fr);gap:30px}.input-panel{background:var(--paper);border:1px solid var(--line);border-radius:10px;align-self:start;overflow:hidden}.input-section{padding:22px;border-bottom:1px solid var(--line)}.input-section:last-child{border-bottom:0}.helper,.figure-note{font-size:13px;line-height:1.55;color:var(--muted);margin:10px 0 0}.field-pair{display:grid;grid-template-columns:1fr 1fr;gap:12px}.field-pair label{min-height:38px;display:flex;flex-direction:column;justify-content:end}.plan-label{border-left:3px solid;padding-left:8px}.standard{color:var(--ink)}.basic{color:var(--teal)}.escalating{color:var(--amber)}.quote-status{font-size:13px;color:var(--muted);margin:14px 0}.full-width{width:100%;font-size:13px}.check-label{display:flex;align-items:flex-start;gap:10px;margin-top:8px;font-size:14px;min-height:44px}.check-label input{width:20px;min-height:20px;height:20px;margin-top:1px;accent-color:var(--teal);flex-shrink:0}.comparison-panel{min-width:0}.age-panel{padding:23px 28px;background:var(--ink);color:white;border-radius:10px;margin-bottom:20px}.age-heading{display:flex;justify-content:space-between;align-items:center;gap:15px}.age-value{font-family:Georgia,"Times New Roman",serif;font-size:42px;line-height:1;margin:8px 0 16px}.age-value output{font-size:58px;font-variant-numeric:tabular-nums}.age-presets{display:flex;gap:8px}.age-presets button{background:transparent;border-color:#718798;color:white;min-width:48px}.age-presets button[aria-pressed=true]{background:white;color:var(--ink)}.age-panel input[type=range]{padding:0;min-height:44px;accent-color:#8cdfcf;background:transparent}.range-labels{display:flex;justify-content:space-between;font-size:12px;color:#d1e2ed}.age-panel .helper{color:#d1e2ed;font-size:12px}.basis{font-size:12px;color:var(--muted);margin-bottom:12px}.plan-cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}.plan-card{background:white;border:1px solid var(--line);border-top:4px solid var(--ink);padding:20px 17px;border-radius:8px;min-width:0}.plan-card.basic-card{border-top-color:var(--teal)}.plan-card.escalating-card{border-top-color:var(--amber)}.plan-card .pattern{font-size:12px;line-height:1.45;min-height:37px;color:var(--muted)}.plan-card .amount{font-size:clamp(25px,2.4vw,37px);font-weight:720;letter-spacing:-1px;font-variant-numeric:tabular-nums;margin:15px 0 1px}.metric-label{font-size:12px;color:var(--muted);display:block}.card-secondary{border-top:1px solid var(--line);padding-top:13px;margin-top:16px;display:grid;gap:13px}.secondary-amount{font-size:21px;font-weight:650;display:block;font-variant-numeric:tabular-nums}.scenario-tag{display:inline-block;font-size:11px;font-weight:700;border:1px solid #a7cec7;color:#075d53;padding:3px 6px;border-radius:4px;margin:8px 0 0}.unknown{font-size:17px;letter-spacing:0}.real-line{font-size:12px;color:var(--muted);min-height:20px;margin-top:6px}.figure-note{margin:13px 0 22px}.notice{border-radius:7px;padding:17px 19px;margin:15px 0;font-size:14px}.notice p:last-child{margin-bottom:0}.warning{background:var(--warn);border:1px solid #ddc484;color:#624609}.error{background:#fff1f2;border:1px solid #dfb2b7;color:var(--error)}.notice ul{padding-left:20px;margin:7px 0}.notice a{color:inherit}.chart-panel,.oa-panel,.year-section,.report-section,.load-section,.explanation{background:white;border:1px solid var(--line);border-radius:9px;padding:22px;margin:20px 0}.section-heading{display:flex;align-items:center;justify-content:space-between;gap:16px}.section-heading select{width:auto;max-width:250px;font-size:13px}.section-heading h2{margin:0}.chart-legend{display:flex;flex-wrap:wrap;gap:8px 18px;margin:19px 0 5px;font-size:12px}.legend-item{display:flex;align-items:center;gap:6px}.legend-line{display:inline-block;width:22px;border-top:3px solid}.legend-line.basic{border-top-style:dashed}.chart-panel svg{display:block;width:100%;height:auto;overflow:visible;min-height:150px}.chart-grid{stroke:#dae3e8;stroke-width:1}.chart-tick{font:12px -apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;fill:var(--muted)}.chart-line{fill:none;stroke-width:3;stroke-linejoin:round;stroke-linecap:round}.chart-line.standard{stroke:var(--ink)}.chart-line.basic{stroke:var(--teal);stroke-dasharray:6 5}.chart-line.escalating{stroke:var(--amber)}.chart-cursor{stroke:#728394;stroke-width:1;stroke-dasharray:3 4}.crossovers{display:grid;grid-template-columns:1fr 1fr;gap:20px;border-top:1px solid var(--line);padding-top:18px;margin-top:10px}.crossovers p{font-size:12px;margin:0}.crossovers strong{display:block;font-size:18px;font-weight:650;margin-top:5px}.oa-panel{border-top:3px solid var(--teal)}.oa-cards{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:18px}.oa-card{background:var(--ground);padding:16px;border-radius:6px}.oa-card h3{font-size:16px}.oa-card p{font-size:13px;margin-bottom:9px}.oa-card strong{display:block;font-size:23px;font-variant-numeric:tabular-nums}.risk-note{font-size:13px;margin:14px 0 0;color:var(--muted)}.year-section{padding-top:10px}.year-section summary{font-size:19px}table{border-collapse:collapse;width:100%;font-size:12px;table-layout:fixed;margin-top:16px}th,td{text-align:right;padding:10px 5px;border-bottom:1px solid var(--line);overflow-wrap:anywhere;font-variant-numeric:tabular-nums}th:first-child,td:first-child{text-align:left;width:44px}th{font-weight:700;color:var(--ink)}th small{font-weight:400;display:block}td.selected-age{font-weight:750;background:var(--light-teal)}.table-value{display:block;white-space:normal}.export-actions{display:flex;flex-wrap:wrap;gap:8px}.export-actions button{font-size:13px}.load-section{background:transparent;border-style:dashed}.file-label{margin:0;font-size:15px}.file-label input{margin-top:8px;max-width:420px;padding:7px;background:white;font-size:13px}.action-status{font-size:14px;font-weight:650;color:var(--teal)}.explanation{background:transparent;border:none;padding:5px 0}.explanation details{border-bottom:1px solid var(--line);padding:5px 0}.explanation p,.source-list{font-size:14px;color:var(--muted)}.source-list{padding-left:20px}.source-list li{margin-bottom:12px}footer{font-size:12px;color:var(--muted);padding:17px 0 10px;border-top:1px solid var(--line)}#print-assumptions{display:none}#print-blocked-notice{display:none}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.skip-link{position:absolute;top:-100px;left:20px;background:white;padding:14px;z-index:5}.skip-link:focus{top:10px}[hidden]{display:none!important}
@media(min-width:1400px){.workspace{grid-template-columns:340px minmax(0,1fr)}.plan-card{padding:22px}}
@media(max-width:1050px){.app-shell{padding:26px 22px}.workspace{grid-template-columns:285px minmax(0,1fr);gap:20px}.input-section{padding:18px}.plan-cards{gap:8px}.plan-card{padding:16px 12px}.plan-card .amount{font-size:26px}.secondary-amount{font-size:18px}.section-heading{align-items:flex-start;flex-direction:column;gap:10px}.age-panel{padding:21px}.header-actions{flex-direction:column}.crossovers{gap:12px}}
@media(max-width:780px){.app-shell{padding:20px 16px}.site-header{align-items:flex-start;flex-direction:column;gap:17px}.header-actions{flex-direction:row}.workspace{display:flex;flex-direction:column;gap:20px}.input-panel{width:100%}.input-section{padding:19px}.field-pair label{min-height:unset}.comparison-panel{width:100%}.plan-card .amount{font-size:clamp(25px,4.8vw,35px)}.chart-panel,.oa-panel,.report-section,.load-section{padding:18px}.section-heading{flex-direction:row;align-items:center}.section-heading select{max-width:185px}.plan-card .pattern{min-height:55px}}
@media(max-width:460px){h1{font-size:30px}.app-shell{padding:18px 12px}.plan-cards{grid-template-columns:1fr}.plan-card{padding:18px;display:grid;grid-template-columns:1fr 1fr;column-gap:12px}.plan-card h3,.plan-card .pattern,.plan-card .scenario-tag{grid-column:1}.plan-card .pattern{min-height:unset;margin-bottom:0}.plan-card .amount{font-size:32px;margin-top:10px;grid-column:2;grid-row:1/3;text-align:right;align-self:end}.plan-card>.metric-label{grid-column:2;grid-row:3;text-align:right}.plan-card .scenario-tag{grid-row:3;width:max-content;max-width:100%}.real-line{grid-column:1/-1;text-align:right}.card-secondary{grid-column:1/-1;grid-template-columns:1fr 1fr;margin-top:12px}.secondary-amount{font-size:23px}.section-heading{flex-direction:column;align-items:stretch}.section-heading select{max-width:100%;width:100%}.age-panel{padding:18px}.age-presets{gap:6px}.age-presets button{padding:9px;min-width:42px}.age-value{font-size:30px}.age-value output{font-size:48px}.age-heading .eyebrow{font-size:9px;letter-spacing:1px}.oa-cards,.crossovers{grid-template-columns:1fr}.export-actions{flex-direction:column}.export-actions button{width:100%}.year-section{padding:12px}.year-section table{font-size:10px}th,td{padding:9px 3px}th:first-child,td:first-child{width:27px}.mode-banner{padding:12px;font-size:13px}}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
@media print{@page{size:A4;margin:12mm}body{background:white;font-size:11px}.app-shell{max-width:none;padding:0}.site-header{margin-bottom:12px;display:block}h1{font-size:27px}.header-actions,.input-panel,.age-presets,input[type=range],.export-actions,.load-section,.report-section,.skip-link,.action-status,.explanation,.section-heading select{display:none!important}.workspace{display:block}.comparison-panel{width:100%}.mode-banner{font-size:12px;font-weight:750;border:2px solid #85641c}.workspace .age-panel{padding:12px 16px;background:white;color:#152e46;border:1px solid #152e46}.age-panel .helper,.range-labels{color:#526476}.age-value,.age-value output{font-size:30px}.range-labels{display:none}.plan-cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:10px}.plan-card{display:block;padding:14px}.plan-card .amount{font-size:27px;text-align:left}.plan-card>.metric-label{text-align:left}.plan-card .pattern{min-height:35px}.card-secondary{display:grid;grid-template-columns:1fr;gap:10px}.real-line{text-align:left}.figure-note{font-size:11px}.chart-panel,.oa-panel,.plan-cards,.notice,footer{break-inside:avoid}.chart-panel,.oa-panel,.year-section{padding:14px;margin:14px 0}.chart-panel svg{max-height:195px}.year-section{display:block}#year-details::details-content{content-visibility:visible}#year-details>*:not(summary){display:block}#year-table{display:block!important}.year-section table{font-size:10px}thead{display:table-header-group}tr{break-inside:avoid}.oa-cards,.crossovers{grid-template-columns:1fr 1fr}.risk-note,.helper{font-size:11px}#print-assumptions{display:block}.print-blocked .app-shell{display:none!important}.print-blocked #print-blocked-notice{display:block;font-size:18px;font-weight:bold;color:#9b2635}.sr-only{display:none}}

.tag-spacer{visibility:hidden}
@media(max-width:460px){.tag-spacer{display:none}}

.estimate-panel{margin:12px 0;padding:14px;background:#edf7f4;border:1px solid #a7cec7;border-radius:6px;font-size:13px}.estimate-panel p{margin-bottom:10px}.estimate-panel a{font-size:12px}.basic-assumptions-action{margin-top:10px;font-size:12px}.plan-card .unknown{font-size:19px;letter-spacing:0}.plan-card .helper{font-size:12px}input[readonly]{background:#edf7f4}

.tier-buttons{display:flex;gap:8px;margin-top:8px}.tier-buttons button{flex:1}.tier-buttons button[aria-pressed=true]{background:var(--ink);color:white}.estimate-panel hr{border:0;border-top:1px solid #a7cec7;margin:16px 0}#confirmation-summary{line-height:1.65}#confirm-near-results{margin:4px 0}