:root{color-scheme:light;--yellow:#fcd535;--yellow-hover:#f0c325;--ink:#181a20;--muted:#707a8a;--line:#eaecef;--paper:#fff;--soft:#fafafa;--red:#cf304a;--green:#07835f;--radius:12px;font-family:Arial,Helvetica,sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:100px}body{margin:0;background:var(--paper);color:var(--ink);font-size:16px;line-height:1.5}button,input,select,textarea{font:inherit}button,a,input,select,textarea,summary{-webkit-tap-highlight-color:transparent}a{color:inherit;text-decoration:none}svg{width:22px;height:22px;fill:none;stroke:currentColor;stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round;flex-shrink:0}.sprite{position:absolute;width:0;height:0;overflow:hidden}.skip-link{position:fixed;top:-100px;left:20px;background:var(--yellow);color:var(--ink);padding:12px 20px;z-index:20}.skip-link:focus{top:8px}.site-header{background:#181a20;color:#eaecef;height:84px}.header-inner{max-width:1328px;height:100%;padding:0 48px;margin:0 auto;display:flex;align-items:center;gap:30px}.brand{display:flex;align-items:center;gap:10px;color:var(--yellow);font-size:25px;font-weight:800;letter-spacing:.8px;white-space:nowrap}.brand svg{width:32px;height:32px}.brand-ai{font-weight:400;color:#fff;letter-spacing:0}.brand-dot{color:#fff}.header-divider{height:26px;width:1px;background:#42454c}.main-nav{display:flex;align-items:center;gap:30px;height:100%;font-size:14px;font-weight:600}.main-nav a{display:flex;align-items:center;height:100%;position:relative;color:#b7bdc6;transition:color .2s}.main-nav a:hover,.main-nav .active{color:#fff}.main-nav .active:after{content:'';position:absolute;bottom:0;height:3px;background:var(--yellow);left:0;right:0}.header-action{margin-left:auto;display:flex;gap:12px;align-items:center;background:var(--yellow);color:var(--ink);border-radius:6px;font-size:14px;font-weight:700;padding:11px 17px;transition:background .2s}.header-action svg{width:17px;height:17px}.header-action:hover{background:var(--yellow-hover)}.app{max-width:1328px;margin:auto;padding:24px 48px 48px}.breadcrumbs{display:flex;align-items:center;gap:13px;font-size:12px;color:var(--muted);margin-bottom:32px}.breadcrumbs a:hover{color:var(--ink)}.breadcrumbs>span:last-child{color:#474d57}.page-heading{display:flex;align-items:center;justify-content:space-between;gap:30px;margin-bottom:33px;padding-bottom:30px;border-bottom:1px solid var(--line)}.eyebrow{display:block;color:var(--muted);font-size:12px;font-weight:700;letter-spacing:1.5px;line-height:1.5}.page-heading .eyebrow{font-size:12px;color:#8a6a00;letter-spacing:1.7px}.page-heading h1{font-size:46px;font-weight:700;letter-spacing:-1.5px;line-height:1.14;margin:10px 0 13px}.page-heading h1 span{color:#d9af14}.page-heading p{color:var(--muted);font-size:16px;margin:0}.page-note{display:flex;align-items:center;gap:16px;font-size:14px;color:var(--muted);line-height:1.5;flex-shrink:0;padding-right:4px}.page-note svg{width:32px;height:32px;color:#a98a21;stroke-width:1.4}.layout{display:grid;grid-template-columns:320px minmax(0,1fr);gap:36px;align-items:start}.panel{border:1px solid var(--line);border-radius:var(--radius);background:#fff;min-width:0}.form{padding:25px 23px;display:flex;flex-direction:column;gap:18px;box-shadow:0 6px 24px #181a2003}.form-heading{margin-bottom:3px;padding-bottom:19px;border-bottom:1px solid var(--line)}.form-heading .eyebrow{color:#8a6a00;font-size:12px}.form-heading h2{font-size:25px;letter-spacing:-.6px;line-height:1.25;margin:7px 0}.form-heading p{margin:0;color:var(--muted);font-size:13px}.field{display:flex;gap:10px;align-items:flex-start}.field>svg{display:none}.field>div{flex:1;min-width:0}label{display:block;margin-bottom:7px;color:#474d57;font-size:14px;font-weight:500;line-height:1.3}select,input,textarea{width:100%;background:#fff;color:var(--ink);border:1px solid #dedfe3;border-radius:6px;transition:border-color .15s,box-shadow .15s}select:focus,input:focus,textarea:focus{outline:none;border-color:#b49832;box-shadow:0 0 0 3px #fcd53521}select{height:43px;padding:0 32px 0 12px;appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='m2 2 4 4 4-4' stroke='%23707a8a' fill='none' stroke-width='1.5'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 13px center;cursor:pointer;font-size:14px}input{height:47px;padding:0 13px;font-size:17px;font-variant-numeric:tabular-nums}textarea{height:72px;resize:vertical;min-height:65px;padding:11px 12px;font-size:14px;line-height:1.5}textarea::placeholder{color:#929aa5}.amount{position:relative}.amount svg{position:absolute;right:13px;top:14px;width:18px;height:18px;color:#a08630}.amount input{padding-right:40px;appearance:textfield}.amount input::-webkit-inner-spin-button{appearance:none}.check{margin-top:3px;display:flex;align-items:center;justify-content:space-between;gap:10px;min-height:48px;background:var(--yellow);color:var(--ink);border:0;border-radius:6px;font-size:14px;font-weight:700;padding:12px 16px;cursor:pointer;transition:background .2s,transform .2s}.check:hover{background:var(--yellow-hover)}.check:active{transform:translateY(1px)}.check svg{width:19px;height:19px}.form-caption{font-size:12px;color:var(--muted);text-align:center;margin:-3px 0 0;line-height:1.7}.sidebar-note{display:flex;gap:13px;padding:22px 15px;color:var(--muted)}.sidebar-note svg{width:20px;height:20px;margin-top:2px}.sidebar-note p{font-size:14px;font-weight:600;line-height:1.5;margin:0;color:#474d57}.sidebar-note p span{display:block;font-weight:400;font-size:13px;color:var(--muted);margin-top:4px}.results{display:flex;flex-direction:column;gap:22px;min-width:0}.results>.panel{padding:23px}.section-heading{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-bottom:21px}.section-heading h2{font-size:23px;line-height:1.25;letter-spacing:-.55px;margin:5px 0 0}.section-unit{color:var(--muted);font-size:12px;align-self:flex-end;margin-bottom:3px}.category-tag{background:#f5f5f5;color:#707a8a;border-radius:4px;font-size:12px;padding:5px 8px;max-width:40%;overflow-wrap:anywhere}.cards{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px}.card{position:relative;min-width:0;background:var(--soft);border:1px solid transparent;border-radius:8px;padding:14px 12px 15px;overflow:hidden}.card>svg{width:20px;height:20px;color:#707a8a;margin-bottom:11px}.card label,.card .label{display:block;margin:0 0 7px;line-height:1.45;min-height:36px;font-size:12px;font-weight:400;color:#707a8a}.card .value{font-size:19px;line-height:1.3;font-weight:600;letter-spacing:-.4px;overflow-wrap:anywhere;font-variant-numeric:tabular-nums}.editable{background:#fff;border:1px solid #dedfe3;transition:border-color .2s;overflow:visible}.editable:hover{border-color:#b7bdc6}.editable:focus-within{border-color:#c4a52c;box-shadow:0 0 0 2px #fcd53522}.editable:after{content:'';position:absolute;right:12px;top:15px;width:12px;height:12px;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23929aa5' stroke-width='1.8'%3E%3Cpath d='m16 3 5 5-12 12H4v-5Zm-2 2 5 5'/%3E%3C/svg%3E") no-repeat}.editable .value{display:flex;gap:4px;align-items:center}.editable input{font-size:19px;font-weight:600;border:0;border-radius:2px;min-width:0;flex:1;width:100%;height:26px;padding:0;color:var(--ink);background:transparent;appearance:textfield;box-shadow:none;letter-spacing:-.4px}.editable input::-webkit-inner-spin-button{appearance:none}.editable input:focus{box-shadow:none}.editable .value>span{font-weight:400;color:#929aa5;font-size:17px}.red{color:var(--red)}.green{color:var(--green)}.yellow{color:#a37e00}.progress-heading{display:flex;justify-content:space-between;align-items:center;gap:15px;margin:20px 0 8px;font-size:13px;color:#707a8a}.progress-heading strong{color:#474d57;font-weight:500}.track{height:6px;background:#eaecef;overflow:hidden;border-radius:5px}#bar{height:100%;width:0;background:var(--yellow);border-radius:5px;transition:width .35s ease}.hint{font-size:12px;color:var(--muted);margin:8px 0 0;line-height:1.5}.verdict{border-top:3px solid var(--yellow)!important;background:linear-gradient(180deg,#fffdf4,#fff 46%)}.result-stamp{font-size:12px;color:var(--muted);align-self:flex-end;margin-bottom:3px}.verdict .card{background:#f7f8fa}.verdict .card>svg{display:none}.verdict .card .label{min-height:35px}.risk{display:flex;align-items:center;gap:10px;font-size:14px;font-weight:600;border-radius:6px;padding:12px 14px;margin-top:18px;background:#fff5d8;color:#8d6400}.risk[data-level="low"]{background:#e8f6ef;color:#087b56}.risk[data-level="medium"]{background:#fff9de;color:#806514}.decision{display:flex;gap:9px;align-items:flex-start;margin:13px 0 0;font-size:14px;line-height:1.6;color:#474d57}.decision span{display:inline-flex;align-items:center;justify-content:center;min-width:16px;height:16px;border:1px solid #929aa5;border-radius:50%;font-size:12px;font-weight:600;color:#707a8a;margin-top:3px}.method{font-size:14px;color:var(--muted);border-bottom:1px solid var(--line)}.method summary{cursor:pointer;display:flex;align-items:center;justify-content:space-between;list-style:none;padding:0 2px 17px;color:#474d57;font-weight:500}.method summary::-webkit-details-marker{display:none}.method summary span{font-size:21px;font-weight:400}.method[open] summary span{transform:rotate(45deg)}.method>div{padding:0 3px 8px}.method p{font-size:14px;line-height:1.75;margin:0 0 14px}.site-footer{border-top:1px solid var(--line);background:#fafafa}.footer-inner{max-width:1328px;margin:auto;display:flex;align-items:center;gap:32px;padding:27px 48px}.footer-brand{display:flex;align-items:center;gap:9px;font-size:15px;font-weight:700;flex-shrink:0}.footer-brand svg{width:25px;height:25px;color:#bd9418}.footer-brand>span>span{display:block;font-size:12px;font-weight:400;color:var(--muted);letter-spacing:.2px}.footer-inner p{font-size:12px;line-height:1.65;color:var(--muted);margin:0}.footer-inner>a{margin-left:auto;white-space:nowrap;font-size:13px;color:#474d57}.footer-inner>a span{margin-left:12px}a:focus-visible,button:focus-visible,summary:focus-visible{outline:2px solid #b28b0b;outline-offset:5px}@media(min-width:1500px){.app{padding-top:30px;padding-bottom:65px}.page-heading{margin-bottom:40px}.layout{gap:42px;grid-template-columns:336px minmax(0,1fr)}}@media(max-width:1150px){.header-inner,.app{padding-left:30px;padding-right:30px}.header-inner{gap:22px}.main-nav{gap:22px}.layout{grid-template-columns:290px minmax(0,1fr);gap:24px}.results>.panel{padding:20px}.cards{grid-template-columns:repeat(2,minmax(0,1fr))}.card{padding:15px}.card>svg{margin-bottom:8px}.card label,.card .label{min-height:0;font-size:13px}.card .value,.editable input{font-size:22px}.verdict .card .label{min-height:0}.footer-inner{padding:26px 30px}.page-heading h1{font-size:42px}}@media(max-width:850px){.header-inner{gap:20px}.header-divider{display:none}.main-nav{margin-left:auto;gap:18px}.header-action{display:none}.brand{font-size:23px}.brand svg{width:29px;height:29px}.page-note{display:none}.layout{grid-template-columns:260px minmax(0,1fr);gap:22px}.form{padding:21px 18px}.section-heading h2{font-size:22px}.results>.panel{padding:18px}.section-unit,.result-stamp{display:none}.category-tag{font-size:12px}.cards{gap:9px}.card{padding:12px}.card .value,.editable input{font-size:20px}.card .label{min-height:36px}.footer-inner{gap:25px;flex-wrap:wrap}.footer-inner>a{margin-left:0}.footer-inner p{flex:1;min-width:260px}}@media(max-width:680px){html{scroll-padding-top:24px}.site-header{height:auto}.header-inner{flex-wrap:wrap;padding:20px 20px 0;gap:18px}.brand{font-size:23px}.header-action{display:flex;padding:8px 12px;font-size:12px;margin-left:auto}.header-action svg{width:15px;height:15px}.main-nav{order:3;width:100%;height:43px;margin:0;justify-content:space-between;gap:10px;font-size:13px}.app{padding:21px 20px 35px}.breadcrumbs{font-size:12px;margin-bottom:26px;gap:10px}.page-heading{margin-bottom:24px;padding-bottom:23px}.page-heading h1{font-size:36px;letter-spacing:-1.2px;margin:9px 0 11px;max-width:420px}.page-heading p{font-size:14px;line-height:1.65;max-width:460px}.page-heading .eyebrow{font-size:12px;letter-spacing:1.6px}.layout{grid-template-columns:1fr;gap:24px}.form{padding:23px;gap:17px}.form-heading{padding-bottom:16px}.form-heading h2{font-size:25px}.form-heading p{font-size:14px}.field label{font-size:14px}select{height:46px;font-size:16px}textarea{font-size:16px}input{font-size:18px}.check{min-height:50px;font-size:15px}.form-caption{font-size:12px}.sidebar-note{display:none}.results{gap:20px}.results>.panel{padding:22px}.section-heading h2{font-size:25px}.section-heading{margin-bottom:18px}.section-unit,.result-stamp{display:block}.category-tag{font-size:12px}.cards{gap:12px}.card{padding:14px}.card .label,.card label{font-size:13px;min-height:0}.card .value,.editable input{font-size:22px}.verdict .card .label{min-height:0}.footer-inner{padding:25px 20px;gap:18px;align-items:flex-start}.footer-inner p{order:3;min-width:100%;font-size:12px}.footer-inner>a{margin-left:auto;font-size:12px}.eyebrow{font-size:12px}}@media(max-width:370px){.app{padding-left:15px;padding-right:15px}.header-inner{padding-left:15px;padding-right:15px}.page-heading h1{font-size:33px}.form,.results>.panel{padding:18px}.cards{gap:8px}.card{padding:12px}.card .value,.editable input{font-size:20px}.section-heading h2{font-size:23px}.category-tag{max-width:38%}.header-action{font-size:12px}.main-nav{font-size:12px}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}

.score-total{font-size:13px;font-weight:400;letter-spacing:0;color:var(--muted)}
/* Links to the official blog and local calculator sections. */
.main-nav{gap:24px;min-width:0}.main-nav a{white-space:nowrap;gap:5px}.external-mark{font-size:12px;color:#929aa5}.main-nav a:hover .external-mark{color:var(--yellow)}.section-nav{display:flex;align-items:center;flex-wrap:wrap;gap:10px 24px;margin:-13px 0 27px;font-size:14px}.section-nav>span{color:var(--muted);font-size:12px}.section-nav a{color:#474d57;padding:4px 0}.section-nav a:hover{color:#8a6a00;text-decoration:underline;text-underline-offset:4px}@media(max-width:1150px){.header-inner{gap:20px}.main-nav{gap:18px;font-size:13px}.header-divider{display:none}.header-action{padding:10px 13px}}@media(max-width:1000px) and (min-width:681px){.site-header{height:auto}.header-inner{padding-top:20px;flex-wrap:wrap;gap:16px}.header-action{display:flex}.main-nav{order:3;height:46px;width:100%;justify-content:space-between;margin:0;gap:18px}}@media(max-width:680px){.main-nav{overflow-x:auto;justify-content:flex-start;gap:22px;height:46px;scrollbar-width:thin;scrollbar-color:#525864 transparent}.main-nav a{flex-shrink:0}.section-nav{gap:10px 21px;margin:-10px 0 21px;font-size:13px}.section-nav>span{font-size:12px}}
/* Presentation scenarios are explicitly separated from the budget calculation. */
[hidden]{display:none!important}.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}.mode-picker{border:1px solid var(--line);background:#f7f8fa;padding:4px;display:inline-flex;gap:4px;border-radius:9px;margin:-10px 0 24px;max-width:100%;flex-wrap:wrap}.mode-picker label{position:relative;margin:0;cursor:pointer}.mode-picker input{position:absolute;opacity:0;width:1px;height:1px}.mode-picker label>span{display:flex;align-items:center;gap:9px;padding:10px 17px;border-radius:6px;font-size:14px;color:var(--muted);min-height:42px}.mode-picker input:checked+span{background:#fff;color:var(--ink);box-shadow:0 1px 4px #181a2012;font-weight:600}.mode-picker input:focus-visible+span{outline:2px solid #b28b0b;outline-offset:2px}.mode-picker small,.demo-badge{font-size:12px;line-height:1.5;font-weight:700;letter-spacing:.4px;color:#81620a;background:#fff4c5;padding:3px 6px;border-radius:4px}.demo-banner{margin:-2px 0 26px;padding:15px 18px;background:#fffdf3;border:1px solid #efe5bb;border-radius:8px;display:flex;align-items:center;gap:15px}.demo-banner .demo-badge{flex-shrink:0}.demo-banner p{margin:0;color:#645a34;font-size:14px;line-height:1.6}.scenario-inputs{display:flex;flex-direction:column;gap:18px}.scenario-inputs input{font-size:16px}.input-note{font-size:12px;line-height:1.55;color:var(--muted);margin:6px 0 0}.scenario-panel>.section-heading{margin-bottom:12px}.scenario-panel h2{font-size:26px}.scenario-intro{font-size:14px;color:var(--muted);margin:0 0 20px;line-height:1.65}.scenario-presets{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:20px}.scenario-presets button{border:1px solid #dedfe3;background:#fff;color:#474d57;font-size:13px;padding:10px 14px;border-radius:6px;cursor:pointer}.scenario-presets button:hover{border-color:#b7bdc6}.scenario-presets button[aria-pressed="true"]{border-color:#b49832;background:#fff9df;color:#675219}.scenario-error{color:var(--red);font-size:14px;padding:16px;background:#fff2f4;border-radius:8px}.scenario-min-warning{color:#8a5a00;font-size:14px;padding:16px;background:#fff7e0;border:1px solid #ffe28a;border-radius:8px}.scenario-hero{border-radius:10px;padding:28px;background:#f7f8fa;text-align:left;border:1px solid var(--line)}.scenario-caption{font-size:14px;color:#65717c;display:block;line-height:1.6}.scenario-hero>strong{display:block;font-size:48px;font-weight:700;letter-spacing:-1.4px;line-height:1.2;margin:11px 0 7px;overflow-wrap:anywhere}.scenario-hero>p{margin:0;font-size:15px;font-weight:500}.scenario-hero[data-outcome="gain"]{background:#f0f8f4;border-color:#d4e9df}.scenario-hero[data-outcome="gain"]>strong,.scenario-hero[data-outcome="gain"]>p{color:#07835f}.scenario-hero[data-outcome="loss"]{background:#fff4f5;border-color:#f4dbdf}.scenario-hero[data-outcome="loss"]>strong,.scenario-hero[data-outcome="loss"]>p{color:var(--red)}.scenario-status{display:block;margin-top:17px;font-size:12px;color:var(--muted)}.scenario-metrics{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin:22px 0}.scenario-metrics>div{min-width:0;padding-right:10px;border-right:1px solid var(--line)}.scenario-metrics>div:last-child{border-right:0}.scenario-metrics span{display:block;font-size:12px;line-height:1.5;color:var(--muted);margin-bottom:6px}.scenario-metrics strong{font-size:20px;font-weight:600;overflow-wrap:anywhere}.scenario-breakdown{border-top:1px solid var(--line);padding-top:21px}.scenario-breakdown h3{font-size:16px;line-height:1.4;margin:0 0 15px}.scenario-breakdown dl{margin:0}.scenario-breakdown dl>div{display:flex;align-items:baseline;justify-content:space-between;gap:18px;margin:11px 0;font-size:14px}.scenario-breakdown dt{color:var(--muted);line-height:1.6}.scenario-breakdown dd{margin:0;font-weight:500;text-align:right;overflow-wrap:anywhere;min-width:0}.scenario-breakdown .breakdown-total{border-top:1px solid var(--line);margin-top:15px;padding-top:15px}.breakdown-total dt,.breakdown-total dd{color:var(--ink);font-weight:600}.scenario-disclosure{font-size:13px;line-height:1.7;color:var(--muted);margin:20px 0 0;padding-top:16px;border-top:1px solid var(--line)}@media(max-width:1000px){.demo-banner{align-items:flex-start;flex-direction:column;gap:8px}.scenario-hero{padding:24px}.scenario-metrics{grid-template-columns:1fr;gap:14px}.scenario-metrics>div{border:0;padding:0;display:flex;gap:15px;justify-content:space-between;align-items:baseline}.scenario-metrics span{font-size:13px;max-width:65%;margin:0}.scenario-metrics strong{font-size:18px;text-align:right}}@media(max-width:680px){.mode-picker{margin:0 0 23px}.mode-picker label>span{padding:10px 12px;font-size:13px}.mode-picker small{font-size:12px}.demo-banner{margin:-4px 0 24px;padding:15px}.scenario-hero{padding:21px}.scenario-hero>strong{font-size:40px}.scenario-panel h2{font-size:24px}.scenario-panel>.section-heading{align-items:flex-start}.scenario-presets button{font-size:12px;padding:10px}.scenario-breakdown dl>div{font-size:13px}.scenario-breakdown dt{max-width:65%}.scenario-caption{font-size:13px}.scenario-hero>p{font-size:14px}}
