:root{--navy:#1d3557;--navy-700:#16294a;--teal:#1f7a6d;--teal-50:#e8f4f1;--teal-300:#7cc8bc;--red:#b42318;--red-50:#fdecea;--ink:#1b2430;--ink-2:#4a5565;--ink-3:#6b7585;--line:#d9dee6;--line-2:#eef1f5;--bg:#f6f7f9;--surface:#fff;--radius:10px;--shadow:0 1px 2px #1018280f, 0 1px 3px #10182814;--font:system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;color-scheme:light}*,:before,:after{box-sizing:border-box}[hidden]{display:none!important}html{-webkit-text-size-adjust:100%}@media (prefers-reduced-motion:no-preference){html{scroll-behavior:smooth}}.calculator{scroll-margin-top:16px}body{font-family:var(--font);color:var(--ink);background:var(--bg);margin:0;font-size:16px;line-height:1.55}h1,h2,h3{color:var(--navy-700);line-height:1.2}a{color:var(--teal)}.container{max-width:1160px;margin:0 auto;padding:0 16px}.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}.skip-link{position:absolute;left:-9999px}.skip-link:focus{z-index:10;background:var(--surface);border-radius:6px;padding:8px 12px;top:8px;left:16px}:focus-visible{outline:3px solid color-mix(in srgb, var(--teal) 55%, transparent);outline-offset:2px}.site-header{background:var(--navy);color:#fff}.header-inner{flex-wrap:wrap;justify-content:space-between;align-items:center;gap:4px 24px;min-height:60px;padding-top:10px;padding-bottom:10px;display:flex}.brand{color:#fff;letter-spacing:.01em;align-items:center;gap:10px;font-size:1.15rem;font-weight:700;text-decoration:none;display:inline-flex}.brand img{border-radius:6px;box-shadow:0 0 0 1px #ffffff40}.site-nav ul{flex-wrap:wrap;gap:0 18px;margin:0;padding:0;list-style:none;display:flex}.site-nav a{color:#ffffffd9;border-bottom:2px solid #0000;align-items:center;min-height:40px;font-size:.95rem;font-weight:600;text-decoration:none;display:inline-flex}.site-nav a:hover{color:#fff}.site-nav a[aria-current=page]{color:#fff;border-bottom-color:var(--teal-300)}@media (width<=639px){.site-nav{width:100%}.site-nav ul{gap:0 14px}.site-nav a{font-size:.875rem}}.site-footer{border-top:1px solid var(--line);color:var(--ink-3);margin-top:64px;padding:32px 0;font-size:.875rem}.site-footer p{max-width:70ch}.footer-links{flex-wrap:wrap;gap:0 20px;margin:0 0 8px;padding:0;list-style:none;display:flex}.footer-links a{align-items:center;min-height:40px;font-weight:600;display:inline-flex}.page-intro{max-width:760px;padding:40px 0 24px}.page-intro h1{margin:0 0 12px;font-size:clamp(1.75rem,4vw,2.5rem)}.lede{color:var(--ink-2);margin:0;font-size:1.125rem}.calculator-head{flex-wrap:wrap;justify-content:space-between;align-items:baseline;gap:8px 24px;margin-bottom:16px;display:flex}.calculator-head h2{margin:0;font-size:1.375rem}.privacy-note{background:var(--teal-50);color:var(--teal);border-radius:999px;align-items:center;gap:6px;margin:0;padding:4px 10px;font-size:.875rem;font-weight:600;display:inline-flex}.calculator-grid{grid-template-columns:minmax(0,1fr);gap:24px;display:grid}@media (width>=960px){.calculator-grid{grid-template-columns:minmax(0,1.1fr) minmax(0,1fr);align-items:start}.calculator-result{max-height:calc(100vh - 32px);position:sticky;top:16px;overflow:auto}}.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);min-width:0;margin:0 0 16px;padding:16px 18px 18px}.card>legend{float:left;width:100%;color:var(--navy-700);margin-bottom:12px;padding:0;font-size:1.05rem;font-weight:700}.card>legend+*{clear:both}fieldset.sub{border:0;border-top:1px solid var(--line-2);min-width:0;margin:16px 0 0;padding:16px 0 0}fieldset.sub>legend{color:var(--navy-700);padding:0;font-size:.95rem;font-weight:700}.field-grid{grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:12px 16px;display:grid}.field{color:var(--ink-2);flex-direction:column;gap:4px;margin-top:8px;font-size:.9rem;font-weight:600;display:flex}.field-grid .field{margin-top:0}.hint{color:var(--ink-3);margin:0 0 12px;font-size:.85rem;font-weight:400}.field .hint{margin:0}input[type=text],select,textarea{width:100%;min-height:44px;font:inherit;color:var(--ink);background:var(--surface);border:1px solid #c3cad5;border-radius:8px;padding:9px 12px;font-size:1rem;font-weight:400}textarea{resize:vertical;min-height:88px}input[aria-invalid=true],select[aria-invalid=true],textarea[aria-invalid=true]{border-color:var(--red);background:var(--red-50)}.input-affix{align-items:stretch;display:flex}.input-affix>span{color:var(--ink-3);background:var(--line-2);white-space:nowrap;border:1px solid #c3cad5;border-right:0;border-radius:8px 0 0 8px;align-items:center;padding:0 10px;font-weight:400;display:inline-flex}.input-affix>input{border-radius:0 8px 8px 0;min-width:0}.input-affix.suffix>span{border-left:0;border-right:1px solid #c3cad5;border-radius:0 8px 8px 0;order:2}.input-affix.narrow{max-width:220px}.input-affix.suffix>input{border-radius:8px 0 0 8px}.check{min-height:44px;color:var(--ink-2);cursor:pointer;align-items:center;gap:8px;font-size:.9rem;display:inline-flex}.check input{width:18px;height:18px;accent-color:var(--teal)}.check-list{flex-wrap:wrap;gap:0 20px;display:flex}.expense-list{flex-direction:column;gap:10px;margin-bottom:12px;display:flex;container-type:inline-size}.expense-row{border-bottom:1px solid var(--line-2);grid-template-columns:minmax(0,1.3fr) minmax(0,1fr) 44px;grid-template-areas:"name amount remove""ctrl var.";gap:4px 10px;padding-bottom:8px;display:grid}.expense-name{grid-area:name}.expense-amount{grid-area:amount}.expense-row .check:first-of-type{grid-area:ctrl}.expense-row .check:nth-of-type(2){grid-area:var}.expense-row .icon-button{grid-area:remove}@container (width<=400px){.expense-row{grid-template-columns:minmax(0,1fr) minmax(0,1fr) 44px;grid-template-areas:"name name remove""amount amount amount""ctrl var var"}}@container (width>=720px){.expense-row{border-bottom:0;grid-template-columns:minmax(0,1.5fr) minmax(0,1fr) auto auto 44px;grid-template-areas:"name amount ctrl var remove";align-items:center;padding-bottom:0}}button{font:inherit;cursor:pointer}.button-secondary{min-height:44px;color:var(--navy);background:var(--surface);border:1px solid var(--navy);border-radius:8px;padding:8px 14px;font-weight:600}.button-secondary:hover{background:var(--line-2)}.icon-button{width:44px;height:44px;color:var(--ink-3);background:0 0;border:1px solid #0000;border-radius:8px;font-size:1.4rem;line-height:1}.icon-button:hover{color:var(--red);background:var(--red-50)}.button-link{min-height:44px;color:var(--teal);background:0 0;border:0;padding:0;text-decoration:underline}.form-actions{justify-content:flex-end;display:flex}.advanced>summary{cursor:pointer;color:var(--navy-700);align-items:center;gap:8px;min-height:28px;font-size:1.05rem;font-weight:700;list-style:none;display:flex}.advanced>summary::-webkit-details-marker{display:none}.advanced>summary:before{content:"";border-bottom:2px solid;border-right:2px solid;width:8px;height:8px;transition:transform .15s;transform:rotate(-45deg)}.advanced[open]>summary:before{transform:rotate(45deg)}.advanced[open]>summary{margin-bottom:8px}.balance-card{border-radius:var(--radius);background:var(--navy);color:#fff;box-shadow:var(--shadow);padding:20px}.balance-card.is-credit{background:var(--teal)}.balance-label{text-transform:uppercase;letter-spacing:.06em;color:#fffc;margin:0;font-size:.95rem;font-weight:600}.balance-amount{font-variant-numeric:tabular-nums;margin:4px 0 16px;font-size:clamp(2.25rem,6vw,3rem);font-weight:800;line-height:1.1}.balance-facts{border-top:1px solid #fff3;grid-template-columns:repeat(3,minmax(0,1fr));gap:8px;margin:0;padding-top:12px;display:grid}.balance-facts dt{color:#ffffffbf;font-size:.75rem}.balance-facts dd{font-variant-numeric:tabular-nums;margin:0;font-weight:700}.breakdown-title{margin:24px 0 8px;font-size:1.05rem}.table-wrap{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}.breakdown{border-collapse:collapse;width:100%;font-size:.9rem}.breakdown th,.breakdown td{text-align:left;vertical-align:top;border-bottom:1px solid var(--line-2);padding:10px 12px}.breakdown thead th{text-transform:uppercase;letter-spacing:.05em;color:var(--ink-3);background:var(--bg);font-size:.75rem}.breakdown tbody th{font-weight:400}.breakdown .num{text-align:right;white-space:nowrap;font-variant-numeric:tabular-nums}.line-label{font-weight:600;display:block}.line-detail{color:var(--ink-3);font-size:.8rem;display:block}.breakdown tr.is-subtotal{background:#fafbfc}.breakdown tr.is-muted .line-label,.breakdown tr.is-muted td{color:var(--ink-3);font-weight:400}.breakdown tr.is-balance th,.breakdown tr.is-balance td{background:var(--teal-50);border-bottom:0;font-weight:800}.tag{background:var(--line-2);color:var(--ink-3);border-radius:4px;padding:1px 6px;font-size:.7rem}.category-detail{margin-top:12px}.category-detail>summary{cursor:pointer;color:var(--teal);align-items:center;min-height:44px;font-weight:600;display:flex}.result-errors{border-radius:var(--radius);border:1px solid var(--red);background:var(--red-50);color:var(--red);padding:16px 18px}.result-errors p{margin:0 0 6px}.result-errors ul{margin:0;padding-left:20px}@media (width<=639px){.breakdown thead{display:none}.breakdown tr{border-bottom:1px solid var(--line-2);padding:10px 12px;display:block}.breakdown tbody th,.breakdown td{border:0;justify-content:space-between;gap:12px;padding:2px 0;display:flex}.breakdown tbody th{margin-bottom:4px;display:block}.breakdown td:before{content:attr(data-label);color:var(--ink-3)}.breakdown td:empty{display:none}.breakdown tr.is-balance th,.breakdown tr.is-balance td{background:0 0}.breakdown tr.is-balance{background:var(--teal-50)}.balance-facts{grid-template-columns:1fr}.balance-facts div{justify-content:space-between;display:flex}}.guide{max-width:760px;margin-top:56px}.guide-section{margin-bottom:32px;scroll-margin-top:16px}.guide-section h2{margin:0 0 12px;font-size:1.5rem}.guide-section p,.guide-section li{font-size:1.0625rem;line-height:1.7}.guide-section ul,.guide-section ol{padding-left:1.4em}.guide-section li+li{margin-top:6px}.guide-section li::marker{color:var(--teal);font-weight:700}.formula{border-left:4px solid var(--teal);border-radius:0 var(--radius) var(--radius) 0;background:var(--surface);color:var(--navy-700);padding:14px 18px}.try-link a{align-items:center;gap:6px;min-height:44px;font-weight:600;text-decoration:none;display:inline-flex}.try-link a:before{content:"↑"}.try-link a:hover{text-decoration:underline}.faq-item{border-top:1px solid var(--line);padding:16px 0}.faq-item h3{margin:0 0 6px;font-size:1.125rem}.faq-item p{margin:0}.result-bar{z-index:5;padding:10px 16px calc(10px + env(safe-area-inset-bottom));background:var(--navy);color:#fff;justify-content:space-between;align-items:center;gap:12px;text-decoration:none;display:flex;position:fixed;bottom:0;left:0;right:0;box-shadow:0 -2px 8px #1018282e}.result-bar.is-away{transform:translateY(110%)}.result-bar{transition:transform .2s}.result-bar.is-credit{background:var(--teal)}.result-bar strong{font-variant-numeric:tabular-nums;font-size:1.25rem}.result-bar span:last-child{font-size:.85rem;text-decoration:underline}@media (width<=959px){body{padding-bottom:64px}}@media (width>=960px){.result-bar{display:none}}.button-primary,.button-ghost,.button-ghost-dark,a.button-secondary{text-align:center;border-radius:8px;justify-content:center;align-items:center;min-height:48px;padding:10px 20px;font-size:1rem;font-weight:700;text-decoration:none;display:inline-flex}.button-primary{color:#fff;background:var(--teal);border:1px solid var(--teal)}.button-primary:hover{background:#186457}.button-ghost{color:var(--navy);background:var(--surface);border:1px solid var(--navy)}.button-ghost:hover{background:var(--line-2)}.button-ghost-dark{color:#fff;background:0 0;border:1px solid #ffffffb3}.button-ghost-dark:hover{background:#ffffff1a}button.button-primary{font:inherit;cursor:pointer;font-weight:700}.hero{background:linear-gradient(180deg, var(--surface) 0%, var(--bg) 100%);border-bottom:1px solid var(--line);padding:56px 0 48px}.hero h1{letter-spacing:-.01em;max-width:18ch;margin:0 0 16px;font-size:clamp(2rem,5.5vw,3.25rem)}.hero .lede{max-width:60ch}.hero-actions{flex-wrap:wrap;gap:12px;margin-top:24px;display:flex}.hero-note{color:var(--ink-3);margin:12px 0 0;font-size:.9rem}@media (width<=479px){.hero-actions>a{width:100%}}.home-section{padding-top:48px}.home-section>h2{margin:0 0 20px;font-size:clamp(1.5rem,3.5vw,2rem)}.audience,.reason-grid{grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:16px;display:grid}.audience-card h3,.step-cards h3,.reason h3{margin:0 0 6px;font-size:1.125rem}.audience-card p,.step-cards p,.reason p{color:var(--ink-2);margin:0}.step-cards{counter-reset:step;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:16px;margin:0;padding:0;list-style:none;display:grid}.step-cards li{counter-increment:step;margin:0}.step-cards li:before{content:counter(step);background:var(--teal-50);width:32px;height:32px;color:var(--teal);border-radius:50%;justify-content:center;align-items:center;margin-bottom:10px;font-weight:800;display:inline-flex}.reason{border-left:3px solid var(--teal);padding:18px 0 0 16px}.cta-band{border-radius:var(--radius);background:var(--navy);color:#ffffffd9;margin-top:56px;padding:32px 24px}.cta-band h2{color:#fff;margin:0 0 8px}.cta-band p{max-width:62ch;margin:0}.cta-band a:not([class]){color:#fff}.notice{border-radius:var(--radius);color:#6b4e05;background:#fff8e6;border:1px solid #f2d18b;max-width:760px;margin:0 0 24px;padding:12px 16px}.plan-grid{grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:16px;margin:0;padding:0;list-style:none;display:grid}.plan{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);flex-direction:column;padding:22px 20px;display:flex}.plan.is-featured{border:2px solid var(--teal)}.plan-name{margin:0;font-size:1.15rem}.plan-price{margin:8px 0 4px}.plan-amount{color:var(--navy-700);font-size:2.25rem;font-weight:800}.plan-period{color:var(--ink-3);font-weight:600}.plan-summary{color:var(--ink-2);margin:0 0 12px}.plan-features{flex:1;margin:0 0 20px;padding:0;list-style:none}.plan-features li{border-top:1px solid var(--line-2);padding:6px 0 6px 24px;font-size:.95rem;position:relative}.plan-features li:before{content:"";border-left:2px solid var(--teal);border-bottom:2px solid var(--teal);width:10px;height:6px;position:absolute;top:12px;left:4px;transform:rotate(-45deg)}.plan-footnote{color:var(--ink-3);margin:12px 0 0;font-size:.85rem}.faq.narrow{max-width:760px;margin-top:48px}.faq.narrow>h2{font-size:1.5rem}.faq-links{border-top:1px solid var(--line);padding-top:16px}.contact-card{max-width:560px}.contact-label{text-transform:uppercase;letter-spacing:.06em;color:var(--ink-3);margin:0;font-size:.85rem;font-weight:700}.contact-email{overflow-wrap:anywhere;margin:4px 0;font-size:clamp(1.15rem,4.5vw,1.4rem);font-weight:700}.contact-time{margin:0 0 12px}.prose{max-width:760px;padding-top:40px}.prose h1{margin:0 0 8px;font-size:clamp(1.75rem,4vw,2.5rem)}.prose h2{margin:32px 0 8px;font-size:1.3rem}.prose h3{margin:20px 0 4px;font-size:1.05rem}.prose p,.prose li{line-height:1.7}.prose li+li{margin-top:4px}.draft-badge{color:#6b4e05;background:#fff8e6;border:1px solid #f2d18b;border-radius:999px;margin:0 0 20px;padding:3px 10px;font-size:.85rem;font-weight:700;display:inline-block}.summary-box{border-radius:var(--radius);background:var(--teal-50);border:1px solid #bfe0d9;margin:8px 0 24px;padding:16px 20px}.summary-box h2{margin:0 0 6px;font-size:1.1rem}.summary-box ul,.summary-box p{margin:0}.placeholder-text{color:var(--red);font-weight:600}.sample-banner{border-radius:var(--radius);color:#6b4e05;background:#fff8e6;border:1px solid #f2d18b;margin-top:16px;padding:10px 14px}.doc-actions{margin:16px 0 0}.doc-stack{flex-direction:column;gap:24px;max-width:8.5in;display:flex}.doc{border:1px solid var(--line);background:#fff;padding:.75in;font-size:.95rem;line-height:1.55;position:relative;overflow:hidden;box-shadow:0 4px 16px #1018281a}@media (width<=639px){.doc{padding:24px 18px;font-size:.9rem}}.doc-watermark{letter-spacing:.1em;color:#b4231812;pointer-events:none;user-select:none;justify-content:center;align-items:center;margin:0;font-size:clamp(5rem,18vw,9rem);font-weight:900;display:flex;position:absolute;inset:0;transform:rotate(-30deg)}.letterhead{border-bottom:2px solid var(--navy);margin-bottom:28px;padding-bottom:12px}.letterhead p{color:var(--ink-2);margin:0;font-size:.85rem}.letterhead .letterhead-name{color:var(--navy-700);font-size:1.25rem;font-weight:800}.doc-address{margin:16px 0;font-style:normal}.doc-re{margin:20px 0}.doc-signature{margin-top:28px}.doc-enclosure{color:var(--ink-3);margin-top:24px;font-size:.85rem}.doc-title{margin:0 0 16px;font-size:1.4rem}.doc-facts{background:var(--bg);border:1px solid var(--line);border-radius:6px;grid-template-columns:repeat(2,minmax(0,1fr));gap:6px 24px;margin:0 0 24px;padding:12px 14px;display:grid}.doc-facts div{justify-content:space-between;gap:12px;display:flex}.doc-facts dt{color:var(--ink-3)}.doc-facts dd{text-align:right;margin:0;font-weight:600}@media (width<=639px){.doc-facts{grid-template-columns:1fr}}.doc-section{margin:24px 0 8px;font-size:1.05rem}.doc-table{border-collapse:collapse;font-variant-numeric:tabular-nums;width:100%}.doc-table th,.doc-table td{border-bottom:1px solid var(--line);text-align:left;vertical-align:top;padding:7px 8px}.doc-table thead th{text-transform:uppercase;letter-spacing:.05em;color:var(--ink-3);border-bottom:2px solid var(--navy);font-size:.75rem}.doc-table tbody th{font-weight:400}.doc-table .num{text-align:right;white-space:nowrap}.doc-table tfoot th,.doc-table tfoot td,.doc-subtotal th,.doc-subtotal td{font-weight:700}.doc-table tfoot tr:first-child th,.doc-table tfoot tr:first-child td{border-top:2px solid var(--navy)}.doc-balance th,.doc-balance td{background:var(--teal-50);font-size:1.1rem}.doc-detail{color:var(--ink-3);font-size:.8rem;display:block}.doc-tag{background:var(--line-2);color:var(--ink-3);white-space:nowrap;border-radius:3px;margin-left:6px;padding:0 5px;font-size:.7rem}.doc-note{color:var(--ink-2);margin:12px 0 0;font-size:.85rem}.doc-pay{border:2px solid var(--navy);border-radius:6px;margin-top:24px;padding:12px 14px}.doc-pay p{margin:0}.doc-pay p+p{margin-top:4px;font-size:.9rem}@page{size:letter;margin:.6in}@media print{body{background:#fff;padding:0!important}.site-header,.site-footer,.skip-link,.no-print,.result-bar{display:none!important}.container{max-width:none;padding:0}.doc-stack{max-width:none;display:block}.doc{box-shadow:none;border:0;padding:0;font-size:10.5pt}.doc+.doc{break-before:page}.letterhead{margin-bottom:16px}.doc-title{margin-bottom:10px}.doc-facts{margin-bottom:14px;padding:8px 12px}.doc-section{margin:14px 0 4px}.doc-table th,.doc-table td{padding:4px 8px}.doc-pay{break-inside:avoid;margin-top:14px;padding:8px 12px}.doc-table tr{break-inside:avoid}.doc-watermark{color:#b423181a;position:fixed}*{-webkit-print-color-adjust:exact;print-color-adjust:exact}}.nowrap{white-space:nowrap}@media screen and (width<=639px){.doc-table.is-stacking thead{display:none}.doc-table.is-stacking tr{border-bottom:1px solid var(--line);padding:8px 0;display:block}.doc-table.is-stacking th,.doc-table.is-stacking td{border:0;justify-content:space-between;gap:12px;padding:1px 0;display:flex}.doc-table.is-stacking td:before{content:attr(data-label);color:var(--ink-3)}.doc-table.is-stacking tfoot tr:first-child th,.doc-table.is-stacking tfoot tr:first-child td{border-top:0}.doc-table.is-stacking tfoot tr{border-top:2px solid var(--navy);border-bottom:0}}a[href^=mailto\:]{overflow-wrap:anywhere}