:root{
  --bg:#f5f7fb;--surface:#fff;--surface-2:#f0f4f8;--text:#172033;--muted:#667085;--line:#dfe5ec;
  --brand:#c91f37;--brand-2:#97152a;--accent:#0f766e;--gold:#b7791f;--shadow:0 16px 46px rgba(23,32,51,.08);
  --radius:18px;--radius-sm:12px;--focus:0 0 0 3px rgba(201,31,55,.2);
}
[data-theme="dark"]{
  --bg:#0b1020;--surface:#111827;--surface-2:#172033;--text:#f8fafc;--muted:#aab4c5;--line:#2b3649;
  --brand:#ef4760;--brand-2:#ff7186;--accent:#2dd4bf;--gold:#f4bd5d;--shadow:0 18px 50px rgba(0,0,0,.26);
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--bg);color:var(--text);font:16px/1.55 Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;-webkit-font-smoothing:antialiased}button,input,select{font:inherit}button{cursor:pointer}a{color:inherit}.container{width:min(1180px,calc(100% - 32px));margin-inline:auto}.hidden{display:none!important}.muted{color:var(--muted);margin:0}.skip-link{position:absolute;left:-9999px;top:8px;background:var(--surface);padding:10px 14px;border-radius:8px;z-index:100}.skip-link:focus{left:8px}.site-header{position:sticky;top:0;z-index:50;background:color-mix(in srgb,var(--surface) 88%,transparent);backdrop-filter:blur(18px);border-bottom:1px solid var(--line)}.header-inner{height:72px;display:flex;align-items:center;justify-content:space-between;gap:20px}.brand{display:flex;align-items:center;gap:11px;text-decoration:none}.brand-mark{width:40px;height:40px;display:grid;place-items:center;border-radius:12px;background:linear-gradient(135deg,var(--brand),var(--brand-2));color:#fff;font-size:12px;font-weight:900;letter-spacing:.04em;box-shadow:0 8px 20px rgba(201,31,55,.25)}.brand strong,.brand small{display:block}.brand strong{font-size:15px;line-height:1.1}.brand small{font-size:12px;color:var(--muted);margin-top:3px}.header-actions{display:flex;gap:8px;align-items:center}.btn{border:1px solid transparent;border-radius:11px;padding:12px 17px;font-weight:750;transition:.18s ease;background:none;color:var(--text)}.btn:hover{transform:translateY(-1px)}.btn:focus-visible,.icon-btn:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:none;box-shadow:var(--focus)}.btn.primary{background:linear-gradient(135deg,var(--brand),var(--brand-2));color:#fff;box-shadow:0 8px 20px rgba(201,31,55,.18)}.btn.ghost{background:var(--surface);border-color:var(--line)}.btn.compact{padding:8px 12px;font-size:13px}.file-btn{display:inline-flex;align-items:center}.hero{background:radial-gradient(circle at 82% 10%,rgba(201,31,55,.12),transparent 30%),linear-gradient(180deg,var(--surface),var(--bg));padding:70px 0 48px;border-bottom:1px solid var(--line)}.hero-grid{display:grid;grid-template-columns:1.5fr .7fr;gap:54px;align-items:center}.eyebrow,.section-kicker{text-transform:uppercase;letter-spacing:.13em;font-size:12px;font-weight:850;color:var(--brand);margin:0 0 10px}.hero h1{font-size:clamp(36px,5vw,62px);letter-spacing:-.045em;line-height:1.02;max-width:860px;margin:0 0 20px}.hero-copy{font-size:18px;color:var(--muted);max-width:780px;margin:0}.trust-row{display:flex;flex-wrap:wrap;gap:9px 18px;margin-top:24px;color:var(--muted);font-size:13px;font-weight:650}.privacy-card{background:var(--surface);border:1px solid var(--line);padding:24px;border-radius:var(--radius);box-shadow:var(--shadow)}.privacy-card p{color:var(--muted);font-size:14px;margin-bottom:0}.privacy-icon{width:44px;height:44px;display:grid;place-items:center;background:var(--surface-2);border-radius:12px;margin-bottom:14px}.planner-shell{margin-top:38px;margin-bottom:70px}.step-nav{display:grid;grid-template-columns:repeat(5,1fr);gap:8px;background:var(--surface);border:1px solid var(--line);padding:8px;border-radius:16px;box-shadow:var(--shadow);position:sticky;top:86px;z-index:30}.step{border:0;background:transparent;color:var(--muted);border-radius:10px;padding:11px 12px;font-weight:750;display:flex;align-items:center;justify-content:center;gap:8px}.step span{width:24px;height:24px;border-radius:50%;display:grid;place-items:center;background:var(--surface-2);font-size:12px}.step.active{background:color-mix(in srgb,var(--brand) 10%,var(--surface));color:var(--brand)}.step.active span{background:var(--brand);color:#fff}.panel-stack{margin-top:18px}.planner-panel{display:none;background:var(--surface);border:1px solid var(--line);border-radius:22px;padding:30px;box-shadow:var(--shadow)}.planner-panel.active{display:block}.panel-heading{display:flex;justify-content:space-between;gap:20px;align-items:flex-start;padding-bottom:22px;border-bottom:1px solid var(--line);margin-bottom:24px}.panel-heading h2{font-size:30px;letter-spacing:-.025em;margin:0}.save-state{font-size:12px;color:var(--accent);font-weight:750;background:color-mix(in srgb,var(--accent) 9%,var(--surface));padding:7px 10px;border-radius:999px}.form-grid{display:grid;gap:16px}.form-grid.cols-2{grid-template-columns:repeat(2,minmax(0,1fr))}.form-grid.cols-3{grid-template-columns:repeat(3,minmax(0,1fr))}label{display:grid;gap:7px;font-size:13px;font-weight:700;color:var(--text)}input,select{width:100%;border:1px solid var(--line);background:var(--bg);color:var(--text);border-radius:10px;padding:11px 12px;min-height:44px}input::placeholder{color:color-mix(in srgb,var(--muted) 80%,transparent)}.money,.suffix{display:flex;align-items:center;border:1px solid var(--line);background:var(--bg);border-radius:10px;overflow:hidden}.money:focus-within,.suffix:focus-within{box-shadow:var(--focus);border-color:var(--brand)}.money span,.suffix span{padding:0 0 0 12px;color:var(--muted);font-weight:650}.suffix span{padding:0 12px 0 0}.money input,.suffix input{border:0;background:transparent;box-shadow:none!important}.tip{display:inline-grid;place-items:center;width:18px;height:18px;border-radius:50%;border:1px solid var(--line);font-size:11px;color:var(--muted);margin-left:4px;cursor:help;position:relative}.tip:hover:after,.tip:focus:after{content:attr(data-tip);position:absolute;z-index:80;left:50%;bottom:calc(100% + 9px);transform:translateX(-50%);width:260px;background:#111827;color:#fff;border-radius:9px;padding:10px 12px;font-size:12px;font-weight:500;line-height:1.4;box-shadow:0 12px 30px rgba(0,0,0,.25)}.people-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:20px}.person-card{border:1px solid var(--line);border-radius:16px;padding:20px;background:var(--bg)}.card-title{display:flex;justify-content:space-between;align-items:center;margin-bottom:17px}.card-title h3{margin:0}.pill{background:var(--surface-2);border:1px solid var(--line);font-size:11px;color:var(--muted);padding:4px 8px;border-radius:999px;font-weight:800}.panel-actions{display:flex;justify-content:space-between;gap:12px;margin-top:26px;padding-top:22px;border-top:1px solid var(--line)}.asset-table-wrap,.report-table-wrap{overflow:auto;border:1px solid var(--line);border-radius:14px}.asset-table,.report-table{width:100%;border-collapse:collapse;min-width:780px}.asset-table th,.asset-table td,.report-table th,.report-table td{padding:13px 14px;text-align:left;border-bottom:1px solid var(--line);vertical-align:middle}.asset-table th,.report-table th{background:var(--surface-2);font-size:12px;color:var(--muted);white-space:nowrap;position:sticky;top:0}.asset-table td:first-child{min-width:190px}.asset-table td:first-child span{display:block;color:var(--muted);font-size:12px;margin-top:3px}.asset-table td:last-child{color:var(--muted);font-size:12px;max-width:330px}.callout{border-radius:13px;padding:15px 17px;margin-top:20px;font-size:13px}.callout.info{background:color-mix(in srgb,var(--accent) 8%,var(--surface));border:1px solid color-mix(in srgb,var(--accent) 23%,var(--line))}.callout.warning{background:color-mix(in srgb,var(--gold) 10%,var(--surface));border:1px solid color-mix(in srgb,var(--gold) 28%,var(--line))}.stage-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.stage-card{position:relative;border:1px solid var(--line);border-radius:16px;padding:20px;background:var(--bg);overflow:hidden}.stage-card:before{content:"";position:absolute;top:0;left:0;right:0;height:4px;background:var(--accent)}.stage-card.slow:before{background:var(--gold)}.stage-card.no:before{background:var(--brand)}.stage-card h3{margin:4px 0 4px}.stage-card p{margin:0 0 17px;color:var(--muted);font-size:13px}.stage-card label+label{margin-top:13px}.subsection-heading{display:flex;align-items:center;justify-content:space-between;gap:18px;margin:28px 0 15px}.subsection-heading h3{margin:0 0 4px}.subsection-heading p{margin:0;color:var(--muted);font-size:13px}.expense-list{display:grid;gap:10px}.expense-row{display:grid;grid-template-columns:1.6fr .7fr .9fr 1.25fr auto;gap:10px;align-items:end;padding:14px;border-radius:13px;border:1px solid var(--line);background:var(--bg)}.check-label{display:flex;align-items:center;gap:8px;min-height:44px}.check-label input{width:18px;min-height:18px}.icon-btn{width:42px;height:42px;border-radius:10px;border:1px solid var(--line);background:var(--surface);color:var(--muted);font-size:20px}.benefit-options{display:grid;grid-template-columns:1fr 1fr;gap:15px}.benefit-options fieldset{border:1px solid var(--line);border-radius:13px;padding:15px}.benefit-options legend{font-weight:800;font-size:13px;padding:0 7px}.benefit-options label{display:inline-flex;align-items:center;gap:7px;margin-right:20px}.benefit-options input{width:18px;min-height:18px}.empty-results{text-align:center;padding:64px 20px;color:var(--muted)}.empty-results>div{font-size:42px}.empty-results h3{color:var(--text);margin:12px 0 4px}.result-banner{border:1px solid color-mix(in srgb,var(--accent) 25%,var(--line));background:color-mix(in srgb,var(--accent) 8%,var(--surface));border-radius:14px;padding:16px 18px;margin-bottom:16px}.result-banner strong{display:block;font-size:18px;margin-bottom:3px}.result-banner p{margin:0;color:var(--muted);font-size:13px}.metric-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-bottom:18px}.metric{border:1px solid var(--line);border-radius:14px;background:var(--bg);padding:17px}.metric span{display:block;color:var(--muted);font-size:12px;font-weight:700;margin-bottom:4px}.metric strong{font-size:24px;letter-spacing:-.03em}.metric small{display:block;color:var(--muted);margin-top:3px;font-size:11px}.chart-card{border:1px solid var(--line);border-radius:16px;padding:18px;background:var(--bg);margin-top:16px}.chart-heading{display:flex;justify-content:space-between;align-items:flex-start;gap:18px;margin-bottom:10px}.chart-heading h3{margin:0}.chart-heading p{margin:3px 0 0;color:var(--muted);font-size:12px}.chart-legend{display:flex;gap:13px;flex-wrap:wrap;color:var(--muted);font-size:11px}.chart-legend span{display:flex;align-items:center;gap:5px}.chart-legend i{width:10px;height:10px;border-radius:3px;background:var(--brand)}.chart-legend .legend-b{background:var(--accent)}.chart-legend .legend-c{background:var(--gold)}canvas{display:block;width:100%;height:auto;max-height:430px}.report-table{font-size:11px;min-width:1500px}.report-table td{white-space:nowrap}.report-table tbody tr:hover{background:color-mix(in srgb,var(--brand) 4%,var(--surface))}.method-card{margin-top:18px;border:1px solid var(--line);background:var(--bg);border-radius:14px;padding:18px}.method-card h3{margin:0 0 8px}.method-card p,.method-card li{font-size:13px;color:var(--muted)}.method-card ul{margin-bottom:0}.content-section{padding:68px 0}.content-section.alt{background:var(--surface);border-block:1px solid var(--line)}.content-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:44px;align-items:start}.content-section h2{font-size:34px;line-height:1.15;letter-spacing:-.03em;margin:0 0 15px}.content-section p{color:var(--muted)}.content-card{border:1px solid var(--line);background:var(--surface);border-radius:16px;padding:22px;box-shadow:var(--shadow)}.content-card h3{margin-top:0}.content-card li{margin:8px 0;color:var(--muted)}.faq{max-width:860px}.faq details{border-bottom:1px solid var(--line);padding:6px 0}.faq summary{font-weight:800;cursor:pointer;padding:16px 4px}.faq details p{margin:0 4px 18px}.sources-section{padding:64px 0}.source-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.source-grid a{text-decoration:none;border:1px solid var(--line);background:var(--surface);border-radius:14px;padding:17px}.source-grid a:hover{border-color:var(--brand)}.source-grid span{display:block;color:var(--muted);font-size:11px;margin-top:4px}footer{border-top:1px solid var(--line);background:var(--surface);padding:28px 0}.footer-inner{display:flex;align-items:center;justify-content:space-between;gap:20px;color:var(--muted);font-size:12px}.footer-inner strong{color:var(--text)}.footer-inner p{margin:3px 0}.toast{position:fixed;right:20px;bottom:20px;max-width:360px;background:#111827;color:#fff;padding:12px 14px;border-radius:10px;box-shadow:0 14px 40px rgba(0,0,0,.25);opacity:0;transform:translateY(10px);pointer-events:none;transition:.2s;z-index:100;font-size:13px}.toast.show{opacity:1;transform:translateY(0)}
@media(max-width:900px){.hero-grid,.content-grid{grid-template-columns:1fr}.hero{padding-top:48px}.people-grid,.stage-grid{grid-template-columns:1fr}.form-grid.cols-3{grid-template-columns:1fr 1fr}.metric-grid{grid-template-columns:1fr 1fr}.source-grid{grid-template-columns:1fr 1fr}.expense-row{grid-template-columns:1fr 1fr}.expense-row .check-label{grid-column:1/-1}.step{font-size:0}.step span{font-size:12px}.step-nav{top:80px}}
@media(max-width:620px){.container{width:min(100% - 20px,1180px)}.site-header .brand small,.site-header .brand strong{display:none}.header-actions{gap:5px}.header-actions .btn{padding:8px 9px}.hero{padding:36px 0 34px}.hero h1{font-size:38px}.hero-copy{font-size:16px}.planner-shell{margin-top:18px}.planner-panel{padding:18px;border-radius:16px}.step-nav{border-radius:13px}.form-grid.cols-2,.form-grid.cols-3,.benefit-options{grid-template-columns:1fr}.panel-heading{align-items:flex-start}.panel-heading h2{font-size:25px}.stage-grid{gap:11px}.expense-row{grid-template-columns:1fr}.expense-row .check-label{grid-column:auto}.metric-grid,.source-grid{grid-template-columns:1fr}.metric strong{font-size:22px}.panel-actions{position:sticky;bottom:0;background:var(--surface);margin-inline:-18px;padding:14px 18px;border-top:1px solid var(--line);z-index:10}.panel-actions .btn{flex:1}.chart-card{padding:12px;margin-inline:-4px}.chart-heading{display:block}.chart-legend{margin-top:8px}.footer-inner{display:block}.result-heading{display:flex}.save-state{display:none}}
@media print{.site-header,.step-nav,.panel-actions,.header-actions,.content-section,.sources-section,footer,.btn,#emptyResults{display:none!important}body{background:#fff;color:#111}.planner-shell{width:100%;margin:0}.planner-panel{display:none!important;border:0;box-shadow:none;padding:0}.planner-panel[data-panel="5"]{display:block!important}.chart-card,.metric,.result-banner,.report-table-wrap,.method-card{break-inside:avoid}.report-table{font-size:8px;min-width:0}.report-table th,.report-table td{padding:4px}.result-heading{display:block}}