:root{--max:var(--max-wide);--radius:10px}.tool-hero[data-astro-cid-5wdvv4ym]{background:radial-gradient(80% 60% at 30% 0,#2c476b 0%,#1b2a41 55%,#131e2c 100%);padding:56px 32px 48px}.tool-hero-inner[data-astro-cid-5wdvv4ym]{max-width:var(--max);margin:0 auto}.tool-eyebrow[data-astro-cid-5wdvv4ym]{letter-spacing:.14em;text-transform:uppercase;color:#e3a857;margin-bottom:12px;font-size:12px;font-weight:600}.tool-title[data-astro-cid-5wdvv4ym]{font-family:var(--font-display);color:#fff;font-variation-settings:"opsz" 100;margin-bottom:16px;font-size:clamp(28px,4vw,42px);font-weight:400;line-height:1.15}.tool-desc[data-astro-cid-5wdvv4ym]{color:#f1efe8bf;max-width:560px;font-size:18px;line-height:1.6}.why-box[data-astro-cid-5wdvv4ym]{background:var(--cream);border-bottom:1px solid var(--cream-dark);padding:20px 32px}.why-box-inner[data-astro-cid-5wdvv4ym]{max-width:var(--max);align-items:flex-start;gap:14px;margin:0 auto;display:flex}.why-icon[data-astro-cid-5wdvv4ym]{flex-shrink:0;margin-top:2px;font-size:20px}.why-text[data-astro-cid-5wdvv4ym]{font-size:var(--text-sm);color:var(--ink-soft);line-height:1.6}.why-text[data-astro-cid-5wdvv4ym] strong[data-astro-cid-5wdvv4ym]{color:var(--ink);font-weight:600}.tool-layout[data-astro-cid-5wdvv4ym]{max-width:var(--max);grid-template-columns:380px 1fr;align-items:start;gap:32px;margin:0 auto;padding:40px 32px 80px;display:grid}.inputs-panel[data-astro-cid-5wdvv4ym]{position:sticky;top:88px}.card[data-astro-cid-5wdvv4ym]{background:var(--white);border:var(--card-border);border-radius:var(--radius);box-shadow:var(--card-shadow)}.card-section[data-astro-cid-5wdvv4ym]{border-bottom:1px solid #1b2a4112;padding:20px 24px}.card-section[data-astro-cid-5wdvv4ym]:last-child{border-bottom:none}.card-section-title[data-astro-cid-5wdvv4ym]{letter-spacing:.12em;text-transform:uppercase;color:var(--ink-soft);margin-bottom:16px;font-size:11px;font-weight:600}.field[data-astro-cid-5wdvv4ym]{margin-bottom:16px}.field[data-astro-cid-5wdvv4ym]:last-child{margin-bottom:0}.field-label[data-astro-cid-5wdvv4ym]{font-size:var(--text-sm);color:var(--ink);align-items:center;gap:6px;margin-bottom:6px;font-weight:600;display:flex}.field-helper[data-astro-cid-5wdvv4ym]{color:var(--ink-soft);margin-top:5px;font-size:13px;line-height:1.45}.field-row[data-astro-cid-5wdvv4ym]{grid-template-columns:1fr 1fr;gap:12px;display:grid}input[data-astro-cid-5wdvv4ym][type=number],select[data-astro-cid-5wdvv4ym]{width:100%;font-family:var(--font-body);font-size:var(--text-sm);color:var(--ink);background:var(--bg);appearance:none;border:1.5px solid #1b2a412e;border-radius:8px;outline:none;min-height:44px;padding:10px 14px;transition:border-color .15s}input[data-astro-cid-5wdvv4ym][type=number]:focus,select[data-astro-cid-5wdvv4ym]:focus{border-color:var(--golden);box-shadow:0 0 0 3px #ba75171f}select[data-astro-cid-5wdvv4ym]{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%2351596B' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");background-position:right 14px center;background-repeat:no-repeat;padding-right:36px}.tip[data-astro-cid-5wdvv4ym]{width:18px;height:18px;color:var(--ink-soft);cursor:help;background:#1b2a411a;border-radius:50%;flex-shrink:0;justify-content:center;align-items:center;font-size:11px;font-weight:600;display:inline-flex;position:relative}.tip[data-astro-cid-5wdvv4ym]:hover .tip-content[data-astro-cid-5wdvv4ym],.tip[data-astro-cid-5wdvv4ym]:focus .tip-content[data-astro-cid-5wdvv4ym]{opacity:1;pointer-events:auto;transform:translateY(0)}.tip-content[data-astro-cid-5wdvv4ym]{background:var(--ink);color:#fff;text-align:left;opacity:0;pointer-events:none;z-index:200;border-radius:8px;width:240px;padding:10px 14px;font-size:13px;font-weight:400;line-height:1.5;transition:opacity .15s,transform .15s;position:absolute;bottom:calc(100% + 8px);left:50%;transform:translate(-50%)translateY(4px)}.tip-content[data-astro-cid-5wdvv4ym]:after{content:"";border:6px solid #0000;border-top-color:var(--ink);position:absolute;top:100%;left:50%;transform:translate(-50%)}.age-display[data-astro-cid-5wdvv4ym]{font-family:var(--font-display);color:var(--ink);font-variation-settings:"opsz" 60;margin-bottom:8px;font-size:28px;font-weight:400}.age-display[data-astro-cid-5wdvv4ym] span[data-astro-cid-5wdvv4ym]{color:var(--ink-soft);font-size:15px;font-weight:400;font-family:var(--font-body);margin-left:6px}input[data-astro-cid-5wdvv4ym][type=range]{width:100%;accent-color:var(--golden);cursor:pointer;height:6px}.age-ticks[data-astro-cid-5wdvv4ym]{color:var(--ink-soft);justify-content:space-between;margin-top:4px;font-size:12px;display:flex}.toggle-row[data-astro-cid-5wdvv4ym]{flex-wrap:wrap;gap:6px;margin-top:8px;display:flex}.toggle-btn[data-astro-cid-5wdvv4ym]{font-family:var(--font-body);color:var(--ink-soft);background:var(--bg);cursor:pointer;white-space:nowrap;border:1.5px solid #1b2a412e;border-radius:100px;min-height:36px;padding:7px 14px;font-size:13px;font-weight:600;transition:all .15s}.toggle-btn[data-astro-cid-5wdvv4ym]:hover{border-color:var(--ink-accent);color:var(--ink-accent)}.toggle-btn[data-astro-cid-5wdvv4ym].active{background:var(--ink);border-color:var(--ink);color:#fff}.spousal-check-row[data-astro-cid-5wdvv4ym]{align-items:center;gap:10px;display:flex}.spousal-check-row[data-astro-cid-5wdvv4ym] label[data-astro-cid-5wdvv4ym]{font-size:var(--text-sm);color:var(--ink);cursor:pointer;font-weight:600}input[data-astro-cid-5wdvv4ym][type=checkbox]{width:18px;height:18px;accent-color:var(--golden);cursor:pointer;flex-shrink:0}.spousal-fields[data-astro-cid-5wdvv4ym]{border-top:1px solid #1b2a4114;margin-top:16px;padding-top:16px;display:none}.spousal-fields[data-astro-cid-5wdvv4ym].visible{display:block}.calc-btn[data-astro-cid-5wdvv4ym]{width:100%;font-family:var(--font-body);font-size:var(--text-sm);color:#fff;background:linear-gradient(180deg, var(--golden-light) 0%, var(--golden) 50%, var(--golden-dark) 100%);cursor:pointer;border:none;border-radius:100px;min-height:52px;margin-top:4px;padding:15px 24px;font-weight:600;transition:transform .15s,box-shadow .15s}.calc-btn[data-astro-cid-5wdvv4ym]:hover{transform:translateY(-1px);box-shadow:0 4px 12px #ba75174d}.results-placeholder[data-astro-cid-5wdvv4ym]{background:var(--white);border:var(--card-border);border-radius:var(--radius);box-shadow:var(--card-shadow);text-align:center;color:var(--ink-soft);padding:60px 40px}.results-placeholder[data-astro-cid-5wdvv4ym] p[data-astro-cid-5wdvv4ym]:first-child{font-family:var(--font-display);color:var(--ink);font-variation-settings:"opsz" 40;margin-bottom:8px;font-size:20px}.metric-grid[data-astro-cid-5wdvv4ym]{grid-template-columns:repeat(3,1fr);gap:12px;margin-bottom:20px;display:grid}.metric-card[data-astro-cid-5wdvv4ym]{background:var(--bg);border-radius:8px;padding:16px 18px}.metric-label[data-astro-cid-5wdvv4ym]{color:var(--ink-soft);align-items:center;gap:5px;margin-bottom:4px;font-size:13px;display:flex}.metric-value[data-astro-cid-5wdvv4ym]{font-family:var(--font-display);color:var(--ink);font-variation-settings:"opsz" 60;font-size:26px;font-weight:400;line-height:1.1}.metric-value[data-astro-cid-5wdvv4ym].accent{color:var(--ink-accent)}.metric-sub[data-astro-cid-5wdvv4ym]{color:var(--ink-soft);margin-top:3px;font-size:12px}.chart-card[data-astro-cid-5wdvv4ym]{background:var(--white);border:var(--card-border);border-radius:var(--radius);box-shadow:var(--card-shadow);margin-bottom:20px;padding:24px}.chart-card-header[data-astro-cid-5wdvv4ym]{justify-content:space-between;align-items:flex-start;margin-bottom:16px;display:flex}.chart-card-title[data-astro-cid-5wdvv4ym]{font-family:var(--font-display);color:var(--ink);font-variation-settings:"opsz" 40;font-size:18px;font-weight:400}.chart-card-sub[data-astro-cid-5wdvv4ym]{color:var(--ink-soft);margin-top:3px;font-size:13px}.legend[data-astro-cid-5wdvv4ym]{flex-wrap:wrap;gap:16px;margin-bottom:16px;display:flex}.legend-item[data-astro-cid-5wdvv4ym]{color:var(--ink-soft);align-items:center;gap:7px;font-size:13px;display:flex}.legend-dot[data-astro-cid-5wdvv4ym]{border-radius:50%;flex-shrink:0;width:10px;height:10px}.chart-wrap[data-astro-cid-5wdvv4ym]{height:220px;position:relative}.insight-card[data-astro-cid-5wdvv4ym]{border-radius:var(--radius);background:#eff4fa;border:1px solid #c5d5e8;margin-bottom:20px;padding:18px 20px}.insight-label[data-astro-cid-5wdvv4ym]{letter-spacing:.1em;text-transform:uppercase;color:var(--ink-accent);margin-bottom:8px;font-size:12px;font-weight:600}.insight-text[data-astro-cid-5wdvv4ym]{font-size:var(--text-sm);color:var(--ink);line-height:1.65}.tab-bar[data-astro-cid-5wdvv4ym]{background:#1b2a410f;border-radius:8px;gap:2px;margin-bottom:20px;padding:3px;display:flex}.tab[data-astro-cid-5wdvv4ym]{font-family:var(--font-body);color:var(--ink-soft);cursor:pointer;background:0 0;border:none;border-radius:6px;flex:1;min-height:38px;padding:9px 8px;font-size:13px;font-weight:600;transition:all .15s}.tab[data-astro-cid-5wdvv4ym].active{background:var(--white);color:var(--ink);box-shadow:0 1px 3px #1b2a411a}.tab-panel[data-astro-cid-5wdvv4ym]{display:none}.tab-panel[data-astro-cid-5wdvv4ym].active{display:block}.breakeven-table[data-astro-cid-5wdvv4ym]{border-collapse:collapse;width:100%;font-size:var(--text-sm)}.breakeven-table[data-astro-cid-5wdvv4ym] th[data-astro-cid-5wdvv4ym]{letter-spacing:.08em;text-transform:uppercase;color:var(--ink-soft);text-align:left;border-bottom:1px solid var(--cream-dark);padding:0 0 10px;font-size:12px;font-weight:600}.breakeven-table[data-astro-cid-5wdvv4ym] td[data-astro-cid-5wdvv4ym]{vertical-align:middle;border-bottom:1px solid #1b2a410f;padding:12px 0}.breakeven-table[data-astro-cid-5wdvv4ym] tr[data-astro-cid-5wdvv4ym]:last-child td[data-astro-cid-5wdvv4ym]{border-bottom:none}.be-badge[data-astro-cid-5wdvv4ym]{border-radius:100px;padding:3px 10px;font-size:13px;font-weight:600;display:inline-block}.be-good[data-astro-cid-5wdvv4ym]{color:#0f6e56;background:#e1f5ee}.be-caution[data-astro-cid-5wdvv4ym]{color:#854f0b;background:#faeeda}.be-hard[data-astro-cid-5wdvv4ym]{color:#a32d2d;background:#fcebeb}.consider-list[data-astro-cid-5wdvv4ym]{list-style:none}.consider-item[data-astro-cid-5wdvv4ym]{border-bottom:1px solid #1b2a410f;gap:12px;padding:14px 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32px 48px}.tool-disclaimer-inner[data-astro-cid-5wdvv4ym]{background:var(--cream);border:1px solid var(--cream-dark);border-radius:var(--radius);color:var(--ink-soft);padding:16px 20px;font-size:13px;line-height:1.55}.tool-disclaimer-inner[data-astro-cid-5wdvv4ym] a[data-astro-cid-5wdvv4ym]{color:var(--ink-accent)}.related[data-astro-cid-5wdvv4ym]{max-width:var(--max);margin:0 auto;padding:0 32px 80px}.related[data-astro-cid-5wdvv4ym] h2[data-astro-cid-5wdvv4ym]{font-family:var(--font-display);color:var(--ink);font-variation-settings:"opsz" 40;margin-bottom:20px;font-size:22px;font-weight:400}.related-grid[data-astro-cid-5wdvv4ym]{grid-template-columns:repeat(3,1fr);gap:16px;display:grid}.related-card[data-astro-cid-5wdvv4ym]{background:var(--white);border:var(--card-border);border-radius:var(--radius);box-shadow:var(--card-shadow);color:var(--ink);padding:20px;text-decoration:none;transition:transform .15s,box-shadow .15s;display:block}.related-card[data-astro-cid-5wdvv4ym]:hover{transform:translateY(-2px);box-shadow:0 2px 4px #1b2a4112,0 10px 28px #1b2a411a}.related-tag[data-astro-cid-5wdvv4ym]{letter-spacing:.1em;text-transform:uppercase;color:var(--ink-accent);margin-bottom:8px;font-size:12px;font-weight:600}.related-card[data-astro-cid-5wdvv4ym] h3[data-astro-cid-5wdvv4ym]{font-family:var(--font-display);color:var(--ink);font-variation-settings:"opsz" 40;margin-bottom:6px;font-size:17px;font-weight:400;line-height:1.35}.related-card[data-astro-cid-5wdvv4ym] p[data-astro-cid-5wdvv4ym]{color:var(--ink-soft);font-size:14px;line-height:1.5}#results-area[data-astro-cid-5wdvv4ym]{display:none}@media print{.site-nav[data-astro-cid-5wdvv4ym],.tool-hero[data-astro-cid-5wdvv4ym],.why-box[data-astro-cid-5wdvv4ym],.related[data-astro-cid-5wdvv4ym],.tool-disclaimer[data-astro-cid-5wdvv4ym],.calc-btn[data-astro-cid-5wdvv4ym],.tab-bar[data-astro-cid-5wdvv4ym],#tab-spousal[data-astro-cid-5wdvv4ym],#tab-consider[data-astro-cid-5wdvv4ym]{display:none!important}.tool-layout[data-astro-cid-5wdvv4ym]{padding:0;display:block}.inputs-panel[data-astro-cid-5wdvv4ym]{display:none}}@media (width<=860px){.tool-layout[data-astro-cid-5wdvv4ym]{grid-template-columns:1fr;padding:24px 20px 60px}.inputs-panel[data-astro-cid-5wdvv4ym]{position:static}.metric-grid[data-astro-cid-5wdvv4ym]{grid-template-columns:1fr 1fr}.related-grid[data-astro-cid-5wdvv4ym]{grid-template-columns:1fr}.tool-hero[data-astro-cid-5wdvv4ym]{padding:40px 20px 36px}.why-box[data-astro-cid-5wdvv4ym]{padding:16px 20px}.tool-disclaimer[data-astro-cid-5wdvv4ym],.related[data-astro-cid-5wdvv4ym]{padding-left:20px;padding-right:20px}}