:root{--navy:#14334c;--blue:#25638b;--teal:#227d72;--mint:#b9eadd;--ink:#203d51;--muted:#5d6f7b;--line:#dbe4e9;--bg:#f5f8fa}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:20px}body{margin:0;color:var(--ink);background:var(--bg);font-family:Inter,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;font-size:16px;line-height:1.6}a{color:var(--blue)}button,input,select,textarea{font:inherit}button,a,input,summary{touch-action:manipulation}:focus-visible{outline:3px solid #278caa;outline-offset:4px}header{max-width:1240px;margin:auto;padding:26px 30px;display:flex;align-items:center;justify-content:space-between;gap:25px;border-bottom:1px solid var(--line)}.brand{display:flex;align-items:center;gap:10px;font-size:22px;line-height:1.2;font-weight:750;text-decoration:none;color:var(--navy)}.brand-light{font-weight:400}.brand small{display:block;font-size:9px;letter-spacing:1.5px;margin-top:6px}.mark{background:var(--navy);color:var(--mint);padding:10px 13px;border-radius:12px;font-size:25px}nav{display:flex;align-items:center;gap:27px}nav a{font-size:14px;text-decoration:none;color:var(--ink)}.nav-help{border:1px solid #b8cbd7;padding:9px 17px;border-radius:8px}.intro{max-width:880px;margin:45px auto 32px;text-align:center;padding:0 24px}.eyebrow{font-size:11px;font-weight:750;letter-spacing:1.7px;color:var(--teal)}h1{font-size:clamp(32px,4vw,49px);line-height:1.17;letter-spacing:-1.7px;color:var(--navy);margin:15px 0 18px}h1 em{font-style:normal;color:var(--teal)}.intro p{max-width:710px;margin:auto;color:var(--muted);font-size:16px}.trust{display:flex;justify-content:center;gap:22px;margin-top:23px;font-size:12px;color:#436354}.workspace{max-width:1180px;margin:0 auto 60px;display:grid;grid-template-columns:1.17fr 1fr;gap:26px;align-items:start;padding:0 20px}.input-card{background:white;border:1px solid var(--line);border-radius:17px;padding:27px 30px;box-shadow:0 8px 35px #12334b06}.card-heading{display:flex;gap:15px;justify-content:space-between;align-items:start}h2{font-size:29px;line-height:1.25;letter-spacing:-.6px;margin:10px 0 19px;color:var(--navy)}.card-heading h2{font-size:22px;margin:8px 0 22px}.card-heading .eyebrow{font-size:10px}.time{white-space:nowrap;font-size:11px;background:#eef6f4;padding:5px 8px;border-radius:5px;color:var(--teal)}fieldset{border:0;border-top:1px solid var(--line);padding:22px 0 19px;margin:0}legend{padding:0 10px 0 0;font-weight:700;font-size:15px}legend span{font-size:11px;display:inline-grid;place-items:center;background:#e9f3f3;color:var(--teal);width:25px;height:25px;border-radius:50%;margin-right:7px}.fields{display:grid;grid-template-columns:1fr 1fr;gap:19px 18px}.field label{display:block;font-size:13px;font-weight:650;margin-bottom:7px}.field input{width:100%;border:1px solid #cddae2;border-radius:7px;background:#fcfdfe;padding:10px 12px;color:var(--navy);min-height:46px;font-weight:550}.field small{display:block;color:var(--muted);font-size:11px;line-height:1.5;margin-top:6px}.field input[aria-invalid=true]{border:2px solid #b44040}.actions{display:flex;gap:15px;align-items:center}.primary{display:inline-block;background:var(--blue);border:0;border-radius:8px;color:white;padding:14px 22px;font-weight:650;text-decoration:none;text-align:center;cursor:pointer;font-size:14px}.primary:hover{background:#194d72}.text-button{background:none;border:0;color:var(--muted);text-decoration:underline;cursor:pointer;font-size:13px}.privacy-note{color:var(--muted);font-size:11px;margin:15px 0 0}.error{color:#a52d2d;font-size:13px}.result-card{background:var(--navy);border-radius:17px;padding:29px;color:#e5edf2;box-shadow:0 10px 30px #14334c13}.result-card .eyebrow{color:var(--mint)}.result-card h2{color:white;font-size:24px;margin:9px 0}.result-card>p{font-size:13px;color:#c9d7e0}.gap-box{background:#e6f7f0;color:var(--navy);padding:22px 24px;border-radius:11px;margin:24px 0 19px}.gap-box span{font-size:13px;font-weight:650;display:block}.gap-box strong{display:block;font-size:clamp(32px,4vw,49px);letter-spacing:-1.5px;line-height:1.4;overflow-wrap:anywhere}.gap-box small{font-size:11px;color:#387369}.totals>div{display:flex;justify-content:space-between;gap:20px;padding:12px 0;border-bottom:1px solid #ffffff20;font-size:13px}.totals span{max-width:220px}.totals strong{font-size:18px;white-space:nowrap}.chart{margin:20px 0}.chart>div{display:grid;grid-template-columns:120px 1fr;align-items:center;gap:12px;font-size:11px;margin:9px 0}.chart i{height:7px;background:#ffffff16;border-radius:8px;overflow:hidden}.chart b{display:block;height:100%;width:0;background:#87aeca;border-radius:8px}#resources-bar{background:#69c3ad}#gap-bar{background:#d8eee7}.breakdown{border-top:1px solid #ffffff25;margin-top:17px;padding-top:15px}.breakdown summary{font-size:13px;cursor:pointer;font-weight:650}.breakdown dl{font-size:12px}.breakdown dl div{display:flex;justify-content:space-between;gap:12px;margin:7px 0}.breakdown dd{margin:0;font-variant-numeric:tabular-nums}.breakdown .total{border-top:1px solid #ffffff25;padding-top:8px;font-weight:700}.scenario{border-top:1px solid #ffffff25;padding-top:16px;margin-top:20px}.scenario label{font-size:12px}.scenario>div{display:flex;align-items:center;gap:15px}.scenario input{flex:1;min-width:0;accent-color:#93d9c7}.scenario output{font-size:12px;white-space:nowrap}.scenario small,.optional{font-size:10px;color:#bfd0db;display:block}.print-button{width:100%;border:1px solid #8fa8b9;background:transparent;color:white;border-radius:7px;padding:11px;cursor:pointer;margin-top:20px;font-size:12px}.result-help{display:block;color:var(--mint);text-align:center;font-size:12px;line-height:1.5;margin:17px 0 7px}.optional{text-align:center}.result-disclaimer{font-size:10px!important;border-top:1px solid #ffffff25;padding-top:15px;margin-top:20px!important}.result-disclaimer a{color:var(--mint)}.section{max-width:1140px;margin:70px auto;padding:0 20px}.three-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:40px;margin-top:30px}.step{font-size:13px;color:var(--teal);font-weight:700;border-bottom:2px solid #8ec9bb;padding-bottom:7px}h3{font-size:18px;line-height:1.4;margin:20px 0 9px}.section p{color:var(--muted);font-size:15px}.why{display:grid;grid-template-columns:1fr 1fr;gap:70px;background:#eaf2f4;padding:37px;border-radius:14px}.milestones{display:flex;flex-wrap:wrap;gap:10px;align-content:center}.milestones span{padding:8px 13px;border:1px solid #ccdce0;border-radius:6px;font-size:12px;background:#f8fbfc}.ad-slot{max-width:1100px;border:1px dashed #d2dde3;padding:18px;margin:auto;text-align:center;color:#72838d;display:grid;font-size:12px;gap:5px}.ad-slot small{font-size:9px;letter-spacing:2px}.faq{display:grid;grid-template-columns:.8fr 1.2fr;gap:50px}.faq details{border-bottom:1px solid var(--line);padding:16px 0}.faq summary{font-size:15px;font-weight:600;cursor:pointer}.faq details p{font-size:14px}.about{max-width:850px;text-align:center}.contact{display:grid;grid-template-columns:1fr 1fr;gap:60px;border-top:1px solid var(--line);padding-top:55px}.contact-panel{background:white;border:1px solid var(--line);border-radius:12px;padding:25px}.contact-panel h3{margin-top:0}.contact-panel small{display:block;font-size:11px;color:var(--muted);margin-top:14px}footer{max-width:1180px;margin:auto;padding:30px 30px;border-top:1px solid var(--line);display:flex;flex-wrap:wrap;justify-content:space-between;gap:20px}footer>div{display:flex;gap:22px;font-size:12px}footer p{font-size:11px;color:var(--muted);margin:0}footer>small{font-size:11px;color:var(--muted)}.skip{position:absolute;top:-70px;padding:10px;background:white;z-index:10}.skip:focus{top:0}.legal{max-width:850px;margin:55px auto;padding:0 24px}.legal h1{font-size:40px}.legal h2{font-size:22px;margin-top:30px}@media(max-width:800px){header{padding:20px}.brand{font-size:19px}nav{gap:15px}nav a{font-size:12px}nav a:nth-child(3){display:none}.workspace{grid-template-columns:1fr;max-width:640px}.intro{margin-top:30px}h1 br{display:none}.trust{flex-wrap:wrap;gap:8px 18px}.three-grid{gap:23px}.why,.faq,.contact{grid-template-columns:1fr;gap:22px}.section{margin:45px auto}.why{margin:40px 20px}.result-card{position:static}.ad-slot{margin:0 20px}}@media(max-width:480px){header{flex-wrap:wrap;justify-content:center;gap:17px}nav{width:100%;justify-content:center}.intro{padding:0 20px}.intro p{font-size:14px}.input-card,.result-card{padding:23px 20px}.fields{grid-template-columns:1fr}.field label{font-size:14px}.field small{font-size:12px}.card-heading{display:block}.time{display:none}.actions{flex-wrap:wrap}.actions .primary{width:100%}.three-grid{grid-template-columns:1fr}.totals strong{font-size:16px}.contact-link{width:100%}footer>div{flex-wrap:wrap}.gap-box strong{font-size:40px}.workspace{padding:0 13px}.section h2{font-size:27px}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}@media print{body{background:white;color:black;font-size:11pt}header,nav,.intro,.input-card,.section,.ad-slot,footer,.scenario,.print-button,.result-help,.optional,.skip{display:none!important}.workspace{display:block;max-width:none;margin:0;padding:0}.result-card{background:white;color:black;box-shadow:none;border:0;padding:0}.result-card h2,.result-card .eyebrow,.result-card>p,.result-disclaimer a{color:black}.gap-box{border:1px solid #777;background:white}.totals>div,.breakdown,.breakdown .total{border-color:#999}.result-card .chart{display:none}.breakdown dl{font-size:11pt}.result-disclaimer{color:black!important}.gap-box strong{font-size:32pt}}
.contact-panel input,.contact-panel textarea,.contact-panel select{width:100%;border:1px solid #cddae2;border-radius:7px;padding:10px;background:#fcfdfe;min-height:44px}.contact-panel>small a{overflow-wrap:anywhere}.contact-panel form>label{display:block;font-size:13px;margin:16px 0 8px}.contact-panel .consent{display:flex;align-items:flex-start;gap:9px;font-size:12px}.contact-panel .consent input{width:18px;min-height:18px;flex-shrink:0}.contact-panel .fields{gap:15px}.contact-panel #contact-status{font-size:13px}#method{font-size:14px}
.field label{font-size:14px}.field small,.privacy-note{font-size:12px}.brand small{font-size:10px}.result-card>p,.totals>div,.breakdown summary,.result-help,.scenario label,.print-button{font-size:14px}.breakdown dl,.chart>div,.scenario small,.optional,.gap-box small,.result-disclaimer{font-size:12px!important}.chart>div{grid-template-columns:135px 1fr}.contact-panel .consent{font-size:14px}

/* Requested advertising spaces and page navigation */
.calculator-input-column{min-width:0}
.reserved-ad{max-width:320px;min-height:100px;margin:28px auto 0;padding:20px;display:flex;align-items:center;justify-content:center;text-align:center;border:1px dashed #b7c9d2;border-radius:8px;background:#f8fbfc;color:#5d6f7b;font-size:13px;letter-spacing:.3px}
.back-to-top{position:fixed;right:22px;bottom:24px;z-index:50;display:flex;align-items:center;gap:8px;padding:12px 16px;min-height:46px;border:1px solid #c6dadf;border-radius:24px;background:#14334c;color:#fff;box-shadow:0 4px 16px #14334c26;font:inherit;font-size:14px;cursor:pointer}
.back-to-top[hidden]{display:none}.back-to-top:hover{background:#25638b}
.contact>div>p a,footer a{overflow-wrap:anywhere}footer>div{flex-wrap:wrap}
@media(max-width:480px){.back-to-top{right:12px;bottom:14px;padding:10px 14px}.reserved-ad{width:100%}}
@media print{.back-to-top,.reserved-ad,.calculator-input-column{display:none!important}}

/* SEO content: retain calculator-first responsive layout. */
.calculator-intro{font-size:14px;color:var(--muted);margin:0 0 24px}.seo-education>p{max-width:850px}.seo-education>h2{margin-top:36px}.seo-education .three-grid{row-gap:8px}.source-note{font-size:13px}.brand{flex-wrap:wrap}.brand>span:last-child{max-width:245px}@media print{.seo-education{display:none!important}}

/* FAQ advertisement: preserve original artwork and space below introduction. */
.faq-banner-ad{width:100%;max-width:320px;margin:48px auto 0;padding-top:8px;text-align:center}
.faq-banner-ad>small{display:block;margin-bottom:10px;font-size:11px;letter-spacing:1.5px;color:var(--muted)}
.faq-banner-ad a{display:block;border-radius:14px}
.faq-banner-ad img{display:block;width:100%;height:auto;border-radius:14px}
@media print{.faq-banner-ad{display:none!important}}

/* Wide financial-planning advertisement. */
.financial-banner-ad{padding:14px;border:1px solid var(--line);border-radius:12px;gap:12px}
.financial-banner-ad a{display:block;min-width:0;border-radius:8px}
.financial-banner-ad img{display:block;width:100%;height:auto;border-radius:8px}
@media(max-width:480px){.financial-banner-ad{padding:8px;gap:8px}}

/* Compact advertisement beneath the professional guidance copy. */
.contact-banner-ad{width:100%;max-width:400px;margin:40px auto 0;padding:10px 0 0;text-align:center}
.contact-banner-ad>small{display:block;margin-bottom:9px;font-size:11px;letter-spacing:1.5px;color:var(--muted)}
.contact-banner-ad a{display:block;border-radius:10px}
.contact-banner-ad img{display:block;width:100%;height:auto;border-radius:10px}
@media print{.contact-banner-ad{display:none!important}}

/* Modest guide advertisement below the calculator inputs. */
.calculator-banner-ad{width:100%;max-width:380px;margin:40px auto 0;padding:10px 0 0;text-align:center}
.calculator-banner-ad>small{display:block;margin-bottom:9px;font-size:11px;letter-spacing:1.5px;color:var(--muted)}
.calculator-banner-ad a{display:block;border-radius:10px}
.calculator-banner-ad img{display:block;width:100%;height:auto;border-radius:10px}
@media print{.calculator-banner-ad{display:none!important}}

/* Results before advertising on phones; original columns on desktop. */
@media(min-width:801px){.calculator-input-column{grid-column:1;grid-row:1}.workspace>.result-card{grid-column:2;grid-row:1 / span 2}.workspace>.calculator-banner-ad{grid-column:1;grid-row:2;margin-top:14px}}
@media(max-width:800px){.workspace>.calculator-input-column{order:1}.workspace>.result-card{order:2}.workspace>.calculator-banner-ad{order:3;margin-top:14px}}