:root{color-scheme:light;font-family:Arial,Helvetica,sans-serif;color:#17304b;background:#fff;font-size:16px;line-height:1.55}*{box-sizing:border-box}body{margin:0;padding:2px}button,input,select{font:inherit}button,select{cursor:pointer}[hidden]{display:none!important}.calculator{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(0,.9fr);gap:28px;align-items:start}.questions{min-width:0}fieldset{padding:0 0 24px;margin:0 0 25px;border:0;border-bottom:1px solid #dbe4eb;min-width:0}legend{font-size:1.12rem;font-weight:750;margin:0 0 20px;padding:0;display:flex;align-items:center;gap:10px}legend span{font-size:.75rem;display:inline-grid;place-items:center;min-width:29px;height:29px;border-radius:50%;background:#eaf1f7;color:#25547a}.field-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}.field{min-width:0;margin-bottom:17px}.field:last-child{margin-bottom:0}.field label{display:block;font-size:.87rem;font-weight:700;margin-bottom:7px}input:not([type=checkbox]),select{display:block;width:100%;min-height:49px;border:1px solid #8d9eaf;border-radius:7px;background:#fff;color:#17304b;padding:11px 12px;font-size:16px}select{padding-right:28px}input:disabled{background:#edf1f4;color:#607084}.hint,.small{font-size:.77rem;color:#536779;line-height:1.55;margin:8px 0 0}.money-input{position:relative}.money-input>span{position:absolute;left:13px;top:12px;color:#607084}.money-input input{padding-left:29px}.checkbox-label{display:flex;align-items:flex-start;gap:10px;font-size:.84rem;line-height:1.5;padding:10px 0;cursor:pointer;margin-top:10px}.checkbox-label input{width:19px;height:19px;flex-shrink:0;margin:1px 0 0;accent-color:#174d79}.actions{display:flex;flex-wrap:wrap;align-items:center;gap:10px}button{border:1px solid #be2535;border-radius:7px;background:#be2535;color:#fff;font-weight:750;padding:13px 18px;min-height:49px;line-height:1.4}button:hover{background:#a51e2c}.reset{background:transparent;color:#38556f;border-color:transparent;font-weight:600;font-size:.85rem}.reset:hover{background:#edf2f7}.errors{background:#fff4f3;border:1px solid #d78480;border-radius:8px;padding:14px;font-size:.85rem;color:#8b2020;margin-bottom:18px}.errors ul{margin:7px 0 0;padding-left:20px}[aria-invalid=true]{border:2px solid #b72738!important}input:focus-visible,select:focus-visible,button:focus-visible,[tabindex]:focus-visible{outline:3px solid #1764a0;outline-offset:3px}.results{border:1px solid #d7e3ed;border-radius:13px;background:#f0f5fa;padding:28px;min-width:0}.eyebrow{text-transform:uppercase;letter-spacing:.08em;font-size:.67rem;font-weight:750;color:#365c7c;margin:0 0 12px}h2{font-size:1.55rem;line-height:1.25;letter-spacing:-.02em;margin:0 0 17px}.intro{font-size:.9rem;color:#4d657a;margin-top:0}.result-placeholder{padding:24px 0;margin:20px 0;border-top:1px solid #d5e0ea;border-bottom:1px solid #d5e0ea;display:flex;gap:15px;align-items:center}.result-placeholder>span{font-size:2.2rem;color:#5282a6}.result-placeholder p{margin:0;font-size:.91rem}.result-rules{font-size:.78rem;border-top:1px solid #cfdde7;padding-top:20px;margin-top:24px;color:#496278}.result-rules>strong{color:#183f61}.result-rules p{margin-bottom:0}.scenario{background:#fff;border:1px solid #d7e3ed;border-radius:9px;padding:18px;margin-top:17px}.scenario h3{font-size:.88rem;margin:0 0 15px;color:#245275}.scenario dl{margin:0}.scenario dl>div{display:flex;justify-content:space-between;align-items:baseline;gap:15px;padding:9px 0;border-bottom:1px solid #e5ebf1}.scenario dt{font-size:.78rem;max-width:65%}.scenario dd{margin:0;font-size:.99rem;font-weight:750;text-align:right}.total-label{font-size:.7rem;text-transform:uppercase;letter-spacing:.04em;margin:17px 0 3px;color:#4b6377}.total{font-size:2rem;line-height:1.2;font-weight:800;margin:0;color:#173e5f}.total small{font-size:.8rem;font-weight:600}.caveat{font-size:.7rem;margin:8px 0 0;color:#5a6c7c}.breakdown{font-size:.8rem;line-height:1.6;margin:15px 0 0;color:#445f75}.notice-list{font-size:.78rem;padding-left:18px;margin:20px 0 0;color:#4b5f71}.notice-list li+li{margin-top:10px}.assumptions{grid-column:1/-1;border-top:1px solid #dbe4eb;padding-top:20px;font-size:.77rem;color:#536779}.assumptions p{margin:6px 0 0}.assumptions>strong{color:#233f59}
.field label.checkbox-label{display:flex;font-size:.84rem;font-weight:400;margin-bottom:0}.errors .error-link{display:block;width:100%;min-height:44px;padding:5px 0;border:0;border-radius:2px;background:transparent;color:#8b2020;text-align:left;text-decoration:underline;font-size:inherit;font-weight:600;line-height:1.5}.errors .error-link:hover{color:#631515;background:transparent;text-decoration-thickness:2px}
@media(max-width:760px){.calculator{grid-template-columns:1fr;gap:25px}.results{padding:23px}.field-grid{grid-template-columns:1fr;gap:0}.actions>button:first-child{width:100%}.actions .reset{width:100%}.results h2{font-size:1.4rem}.total{font-size:1.85rem}fieldset{margin-bottom:22px;padding-bottom:22px}.assumptions{grid-column:auto}.scenario{padding:16px}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto}}