:root{--navy:#12395b;--blue:#2c6f9e;--teal:#16877c;--green:#74c69d;--bg:#f5f8fa;--border:#d7e2e9;--muted:#526778}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:24px}body{margin:0;background:var(--bg);color:var(--navy);font:16px/1.6 -apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}header,main,footer{max-width:1200px;margin:auto}header{min-height:94px;display:flex;align-items:center;gap:28px;padding:20px 24px;border-bottom:1px solid var(--border)}a{color:inherit}a:hover{color:var(--teal)}.brand{font-size:20px;font-weight:750;line-height:1.2;text-decoration:none;display:flex;align-items:center;gap:7px;flex-wrap:wrap}.brand span:last-child{font-weight:400}.brand-icon{background:var(--navy);color:var(--green);border-radius:8px;padding:8px 11px;font-size:27px}nav{display:flex;gap:26px;margin-left:auto}nav a{font-size:14px;text-decoration:none}.free-label{font-size:13px;font-weight:650;background:#e2f2ec;color:#136454;padding:5px 12px;border-radius:30px}main{padding:0 24px}.hero{display:flex;align-items:center;justify-content:space-between;padding:43px 0 20px;gap:36px}.eyebrow{font-size:12px;letter-spacing:1.8px;font-weight:750;margin:0 0 9px;color:var(--teal)}h1{font-size:46px;line-height:1.12;letter-spacing:-1.6px;margin:0 0 16px;font-weight:730}h2{font-size:26px;line-height:1.25;letter-spacing:-.55px;margin:0 0 16px}h3{font-size:19px;line-height:1.35;margin:16px 0 8px}p{margin:0 0 16px}.intro{max-width:720px;color:var(--muted);font-size:17px}.hero-note{border-left:2px solid #bad8d3;padding:14px 0 14px 24px;min-width:245px;display:flex;gap:13px;font-size:15px}.hero-note>span{font-size:26px;color:var(--teal)}.hero-note p{margin:0}.trust{display:flex;gap:26px;margin-bottom:28px;font-size:14px;font-weight:600}.trust span:first-letter{color:var(--teal)}.calculator-grid{display:grid;grid-template-columns:1.1fr 1fr;gap:24px;align-items:start}.card{background:white;border:1px solid var(--border);border-radius:16px;padding:28px}.section-heading{display:flex;gap:15px}.step{display:inline-flex;align-items:center;justify-content:center;background:#eaf1f5;color:var(--blue);border-radius:8px;min-width:35px;height:35px;font-size:13px;font-weight:700}.section-heading h2{font-size:23px;margin-bottom:12px}.muted,.small{color:var(--muted)}.small{font-size:13px;line-height:1.6}.field{margin:0 0 18px}label{font-size:15px;font-weight:650;display:block}input:not([type=checkbox]),select,textarea{width:100%;border:1px solid #aebfcc;border-radius:7px;min-height:48px;font:inherit;color:var(--navy);background:#fff;padding:10px 13px;margin-top:6px}input.currency{font-size:20px;font-weight:600;font-variant-numeric:tabular-nums}input::placeholder{color:#71828e;font-weight:400}.help{font-size:13px;color:var(--muted);display:block;line-height:1.5;margin:5px 0 0;font-weight:400}.error{color:#a52323;font-size:13px;display:block;min-height:0}.error:not(:empty){margin-top:5px}[aria-invalid=true]{border-color:#b52c2c!important}button,.primary{border:0;border-radius:7px;padding:13px 17px;font-family:inherit;font-size:15px;font-weight:600;line-height:1.4;min-height:48px;cursor:pointer}.primary{background:var(--teal);color:white;width:100%;font-size:15px;font-weight:700}button:hover{filter:brightness(.95)}button:disabled{opacity:.45;cursor:not-allowed}.privacy-note{text-align:center;margin:12px 0 0}.snapshot{background:var(--navy);color:white;padding:30px;border-radius:16px;position:sticky;top:24px;overflow:hidden}.snapshot .eyebrow{color:#9dddc5;font-size:11px}.snapshot-top{display:flex;justify-content:space-between;gap:12px;align-items:start}.pill{font-size:11px;white-space:nowrap;border:1px solid #648099;border-radius:20px;padding:3px 8px}.snapshot h2{font-size:26px}.snapshot .small{color:#d2e1ec}.empty{padding:55px 0;color:#c5d8e7}.gap-block{padding:24px 0 21px;border-top:1px solid #3c5b77;border-bottom:1px solid #3c5b77}.gap-label{font-size:15px;color:#d8e9f3}.gap-value{font-size:58px;line-height:1.2;letter-spacing:-2px;font-weight:700;font-variant-numeric:tabular-nums;overflow-wrap:anywhere}.gap-value small{font-size:16px;letter-spacing:0;font-weight:400;color:#c5d8e7}.annual{font-size:15px;color:#b9decf;margin:8px 0 0}.metrics{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin:23px 0}.metric span{font-size:13px;display:block;color:#d2e1ec}.metric strong{font-size:26px;overflow-wrap:anywhere}.bar-row{display:flex;justify-content:space-between;font-size:13px;margin:12px 0 5px;gap:12px}.bar{height:9px;background:#365671;border-radius:8px;overflow:hidden}.bar>div{height:100%;background:var(--green);border-radius:8px}.bar.goal>div{background:#b1cde2}.explanation{font-size:14px;color:#dce9f1;margin-top:22px}.result-actions{display:flex;gap:10px;margin:24px 0 16px}.result-actions button{font-size:13px;background:white;color:var(--navy);flex:1}.result-actions #reset{background:transparent;color:white;border:1px solid #7190aa;flex:0}.detail-card{background:white;border:1px solid var(--border);border-radius:12px;margin:24px 0}.detail-card summary{padding:22px 25px;display:flex;justify-content:space-between;align-items:center;cursor:pointer;font-weight:650;list-style:none}.detail-card summary small{display:block;margin:6px 0 0 46px;font-weight:400;font-size:13px;color:var(--muted)}.detail-card .step{margin-right:8px}.plus{font-size:28px;font-weight:400}.detail-card[open] .plus{transform:rotate(45deg)}.detail-body{padding:0 25px 25px}.detail-fields{display:grid;grid-template-columns:repeat(3,1fr);gap:0 22px}.check{display:flex;align-items:flex-start;gap:10px;font-size:14px;margin:18px 0}.check input{width:20px;height:20px;accent-color:var(--teal);flex-shrink:0}#projection{padding:18px;background:#eaf5f1;border-radius:8px}.ad{border:1px dashed #b8c7d1;text-align:center;background:#edf2f5;padding:18px;color:#6b7e8c;margin:32px 0}.ad span{font-size:10px;letter-spacing:2px}.ad p{font-size:13px;margin:4px 0}.education{padding:40px 0;border-bottom:1px solid var(--border)}.three{display:grid;grid-template-columns:repeat(3,1fr);gap:38px;margin-top:30px}.three p,.two p,.review p,.about p,.contact p{color:var(--muted)}.number{font-size:14px;color:var(--teal);font-weight:750;border-bottom:2px solid var(--green);padding-bottom:6px}.two{display:grid;grid-template-columns:1fr 1fr;gap:60px}.equation{background:#eaf1f5;padding:18px;font-size:15px;border-left:3px solid var(--teal)}.sources{padding-left:22px}.sources li{margin-bottom:6px}.review{display:grid;grid-template-columns:1fr 1fr;gap:60px}.review ul{margin:0;padding-left:22px}.review li{margin:6px 0}#faq-list{margin-top:25px}#faq-list details{border-bottom:1px solid var(--border)}#faq-list summary{padding:18px 4px;cursor:pointer;font-weight:600}#faq-list details p{padding:0 4px 18px;color:var(--muted);max-width:950px}.about{max-width:850px}.contact{display:grid;grid-template-columns:.8fr 1.2fr;gap:55px}.contact form{background:white;border:1px solid var(--border);padding:24px;border-radius:12px}.contact-fields{display:grid;grid-template-columns:1fr 1fr;gap:15px}.contact textarea{resize:vertical}.legal{padding:26px 0 0;color:var(--muted);font-size:14px}.legal h2{font-size:19px;color:var(--navy)}footer{padding:38px 24px;display:flex;align-items:center;gap:25px;border-top:1px solid var(--border);margin-top:32px}footer .brand{font-size:16px}footer p{font-size:13px;margin:0}.skip{position:absolute;top:-70px;background:white;padding:12px;z-index:10}.skip:focus{top:0}:focus-visible{outline:3px solid #d9a441;outline-offset:4px}.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0,0,0,0)}#print-summary{display:none}@media(max-width:850px){.hero-note{display:none}header nav{gap:14px}.calculator-grid{grid-template-columns:1fr 1fr;gap:16px}.card,.snapshot{padding:22px}.gap-value{font-size:46px}.snapshot-top{display:block}.pill{display:none}.detail-fields{grid-template-columns:1fr 1fr}.two,.review,.contact{gap:30px}.brand{font-size:17px}footer{flex-wrap:wrap}}@media(max-width:650px){header{padding:16px;min-height:72px}header nav{display:none}.free-label{margin-left:auto}main{padding:0 16px}.hero{padding-top:30px}h1{font-size:36px;letter-spacing:-1px}.intro{font-size:16px}.trust{display:grid;grid-template-columns:1fr 1fr;gap:7px;font-size:12px;margin-bottom:22px}.calculator-grid,.two,.three,.review,.contact{grid-template-columns:1fr}.snapshot{position:static}.gap-value{font-size:52px}.detail-fields,.contact-fields{grid-template-columns:1fr}.detail-card summary{padding:18px;font-size:15px}.detail-card summary small{margin-left:0}.detail-card .step{display:none}.detail-body{padding:0 18px 18px}.education{padding:30px 0}.three{gap:20px}.contact{gap:20px}h2{font-size:24px}footer nav{margin-left:0}.result-actions{flex-direction:column}.primary{font-size:14px}.contact form{padding:18px}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}@media print{body{background:white;color:#111;font-size:11pt}body>header,body>footer,main>*{display:none!important}main{max-width:none;padding:0}main>#print-summary{display:block!important}#print-summary h1{font-size:23pt}#print-summary h2{font-size:16pt;margin-top:20px}#print-summary table{width:100%;border-collapse:collapse}#print-summary td,#print-summary th{padding:7px;text-align:left;border-bottom:1px solid #ccc}#print-summary p{font-size:10pt}#print-summary tr{break-inside:avoid}@page{margin:17mm}}
/* Persistent navigation and optional professional guidance. */
:root{--header-height:94px}html{scroll-padding-top:calc(var(--header-height) + 20px)}#site-header{position:sticky;top:0;z-index:100;background:var(--bg);box-shadow:0 1px 0 var(--border)}#site-header .brand{flex-wrap:nowrap;gap:12px}#site-header .brand-copy{display:flex;flex-direction:column;gap:5px;font-weight:400}#site-header .brand-title{font-size:20px;line-height:1.2;font-weight:400}#site-header .brand-title strong{font-weight:750}#site-header .brand-subtitle{font-size:14px;font-weight:500;line-height:1.3;color:var(--muted)}.snapshot{top:calc(var(--header-height) + 20px)}.contact>div,.contact form{min-width:0}.contact form{align-self:start}.contact a{overflow-wrap:anywhere}.contact .credentials{color:var(--navy)}.contact-ad{grid-column:1 / -1;margin:0}.contact-ad p{color:#6b7e8c}footer nav{flex-wrap:wrap}footer nav a{overflow-wrap:anywhere}#back-to-top{position:fixed;right:24px;bottom:24px;z-index:110;background:var(--navy);color:#fff;border:1px solid #7694ad;box-shadow:0 4px 16px #12395b26;min-height:48px}#back-to-top[hidden]{display:none}@media(max-width:650px){#site-header .brand-title{font-size:17px}#site-header .brand-subtitle{font-size:13px}#site-header{gap:10px}#site-header .brand{gap:8px}.free-label{padding:5px 9px;font-size:12px}#back-to-top{right:16px;bottom:16px;font-size:13px;padding:10px 14px}footer{padding-bottom:85px}}@media(max-width:360px){#site-header .free-label{display:none}}@media print{#back-to-top{display:none!important}}
/* Keep the primary links visible in a second sticky header row on phones. */
@media screen and (max-width:650px){#site-header{flex-wrap:wrap;row-gap:10px;padding-bottom:8px}#site-header nav{display:flex;order:3;flex:0 0 100%;margin:0;padding-top:6px;border-top:1px solid var(--border);gap:4px;justify-content:space-between}#site-header nav a{display:flex;align-items:center;justify-content:center;min-height:44px;padding:6px 5px;font-size:14px;line-height:1.35;text-align:center;flex:1;min-width:0}}
/* Vibrant, calm blue-and-teal palette. */
:root{--navy:#15365d;--blue:#2563b9;--teal:#007f78;--green:#65dfbd;--bg:#f4f8fd;--border:#d5e3ef;--muted:#49627b}
body{background:linear-gradient(125deg,#edf5ff 0%,#f4f8fd 45%,#f0faf8 100%);background-attachment:fixed}
#site-header{background:#f7fbff;border-bottom:2px solid #b5d9ee;box-shadow:0 3px 16px #15365d0a}
.brand-icon{background:linear-gradient(145deg,#214f91,#087e82);color:#a5f4dc}
.hero .eyebrow{color:#00746f}h1{color:#173c6c}.hero-note{border-left-color:#29b5a8}
.card{border-top:4px solid #288fba;box-shadow:0 8px 26px #15365d08}
.snapshot{background:linear-gradient(145deg,#193c70 0%,#164e76 60%,#096a73 100%);border:1px solid #286785;box-shadow:0 12px 30px #15365d18}
.snapshot .eyebrow{color:#82efd1}.snapshot .small,.metric span{color:#dce9fa}.gap-label{color:#e0edff}.annual{color:#8ce4cf}.explanation{color:#e1edfa}.gap-block{border-color:#5a819e}.bar{background:#355d85}.bar.goal>div{background:#a3caff}
.primary{background:#007f78;box-shadow:0 3px 8px #007f781a}.primary:hover{background:#006c66;filter:none}
.step{background:#e1edff;color:#205bac}.number{color:#00746f;border-bottom-color:#25b69a}
.detail-card{border-left:4px solid #20a591}.equation{background:#e7f0ff;border-left-color:#238ca9}
#projection{background:#ddf6ed;color:#174e46}.free-label{background:#d8f5ed;color:#086454}
.ad{background:#eaf2fb;border-color:#aec8df}.ad span,.ad p{color:#49627b}
#site-header nav a:hover,footer nav a:hover{color:#005f9f;text-decoration:underline;text-underline-offset:5px}
input:not([type=checkbox]):focus,select:focus,textarea:focus{border-color:#247eae}
#back-to-top{background:#205aa1;border-color:#5588bf}#back-to-top:hover{background:#174881;filter:none}
@media print{body{background:white}.card,.snapshot{box-shadow:none}}

/* Use the exact favicon artwork for the header mark. */
#site-header .brand-icon{display:block;width:48px;height:48px;min-width:48px;padding:0;background:none;border-radius:0;object-fit:contain;flex-shrink:0}

/* Savings estimate stays open; the heading is not an accordion control. */
.detail-heading{padding:22px 25px}.detail-heading h2{font-size:16px;line-height:1.5;letter-spacing:0;margin:0;font-weight:650}.detail-heading p{margin:6px 0 0 46px;font-size:13px;color:var(--muted)}@media(max-width:650px){.detail-heading{padding:18px}.detail-heading h2{font-size:15px}.detail-heading p{margin-left:0}}

/* Keep legal footer links together and make all footer links read as links. */
footer nav{display:flex;flex-wrap:wrap;align-items:center;gap:14px 22px}
footer nav .footer-partner-links,footer nav .footer-legal-links{display:flex;align-items:center;gap:12px 22px;flex-wrap:nowrap}
footer nav a{display:inline-flex;align-items:center;min-height:40px;padding:4px 0;color:#175ba5;font-weight:650;text-decoration:underline;text-decoration-thickness:1.5px;text-underline-offset:4px;border-radius:3px}
footer nav a:hover{color:#07447f;text-decoration-thickness:2.5px}
footer nav a:focus-visible{outline:3px solid #ad6800;outline-offset:3px}
@media(max-width:650px){footer{align-items:flex-start}footer nav{width:100%;margin:0;display:flex;flex-direction:column;align-items:flex-start;gap:6px}footer nav .footer-partner-links{flex-direction:column;align-items:flex-start;gap:0}footer nav .footer-legal-links{width:100%;justify-content:flex-start;gap:clamp(16px,7vw,28px);padding-top:8px;border-top:1px solid var(--border)}footer nav .footer-legal-links a{white-space:nowrap}footer nav a{min-height:44px}}@media print{footer nav a{color:#111}}

/* A restrained, responsive promotional banner in the first ad position. */
.ad-feature{padding:14px 18px 16px;background:transparent;border:0;margin:24px 0 30px}
.ad-feature>span{display:block;margin-bottom:9px}
.ad-feature>a{display:block;width:min(100%,680px);max-height:300px;margin:0 auto;border-radius:10px;overflow:hidden;box-shadow:0 5px 18px #15365d14;transition:box-shadow .18s ease,transform .18s ease}
.ad-feature>a:hover{box-shadow:0 9px 24px #15365d24;transform:translateY(-1px)}
.ad-feature img{display:block;width:100%;height:auto;max-height:300px;object-fit:contain}
.ad-feature>a:focus-visible{outline:3px solid #ad6800;outline-offset:4px}
@media(max-width:650px){.ad-feature{padding:12px 4px 16px;margin:18px 0 24px}.ad-feature>a{width:min(100%,560px);max-height:240px}.ad-feature img{max-height:240px}}
@media(prefers-reduced-motion:reduce){.ad-feature>a{transition:none}}