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ease;text-decoration:none;height:100%}.article-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-md)}.article-card__banner{height:140px;display:grid;place-items:center}.article-card__banner--emerald{background:linear-gradient(135deg,var(--navy),var(--navy-700))}.article-card__banner--gold{background:linear-gradient(135deg,#b8901f,var(--gold))}.article-card__body{padding:22px}.article-card__cat{text-transform:uppercase;letter-spacing:.08em;font-size:.72rem;font-weight:700;color:var(--gold)}.article-card h3{font-size:1.12rem;margin:8px 0 10px}.article-card p{font-size:.92rem;margin-bottom:16px}.article-card__meta{display:flex;justify-content:space-between;align-items:center;color:var(--slate);font-size:.82rem;border-top:1px solid var(--line);padding-top:12px}.article-card__meta span{display:inline-flex;align-items:center;gap:5px}.article-card__by{font-weight:600;color:var(--navy)}.article-byline{display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;color:var(--slate);font-size:.9rem;border-bottom:1px solid var(--line);padding-bottom:16px;margin-bottom:22px}.article-byline span{display:inline-flex;align-items:center;gap:6px}.calc-tabs{display:flex;gap:4px;border-bottom:1px solid var(--line);margin-bottom:24px;flex-wrap:wrap}.calc-tab{background:none;border:none;padding:12px 18px;font-family:var(--sans);font-weight:600;font-size:.96rem;color:var(--slate);cursor:pointer;border-bottom:2.5px solid transparent;margin-bottom:-1px;border-radius:8px 8px 0 0}.calc-tab:hover{color:var(--navy)}.calc-tab.active{color:var(--navy);border-bottom-color:var(--gold);background:#fff}.calc-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:26px;align-items:start}.calc-form{background:#fff}.calc-form__group{font-weight:700;color:var(--navy);font-family:var(--serif);font-size:1.05rem;margin-bottom:12px}.calc-hint{font-size:.82rem;color:var(--slate);margin:-8px 0 16px}.calc-result .calc-hint{color:#b6cfc0}.calc-hint--center{text-align:center;margin:12px 0 0}.calc-input{position:relative;display:flex;align-items:center}.calc-input input{padding-left:14px}.calc-input.has-prefix input{padding-left:30px}.calc-input.has-suffix input{padding-right:34px}.calc-affix{position:absolute;color:var(--slate);font-weight:600;pointer-events:none}.calc-prefix{left:13px}.calc-suffix{right:14px}.calc-result{background:var(--navy);color:#fff;border-radius:var(--radius);padding:30px;box-shadow:var(--shadow-md)}.calc-result--center{display:flex;flex-direction:column;align-items:center;text-align:center;justify-content:center;gap:18px}.calc-result__hero{text-align:center;margin-bottom:22px}.calc-result__hero span{display:block;color:#c3ddcd;font-size:.98rem;margin-bottom:6px}.calc-result__hero strong{font-family:var(--serif);font-size:2.6rem;color:#fff;font-weight:800;line-height:1}.calc-result__hero em{font-style:normal;font-size:1.1rem;color:#c3ddcd;font-family:var(--sans)}.calc-result__pretext{color:#c3ddcd;font-size:1.1rem;max-width:320px}.calc-result__big{font-family:var(--serif);font-size:3rem;font-weight:800;color:#fff}.calc-result__disclosure{color:#c3ddcd;text-decoration:underline;font-size:.9rem}.calc-result__split{display:flex;align-items:center;gap:22px;margin-bottom:22px;flex-wrap:wrap;justify-content:center}.calc-donut{width:150px;height:150px;flex-shrink:0}.calc-donut__label{fill:#c3ddcd;font-size:9px;font-family:var(--sans)}.calc-donut__value{fill:#fff;font-size:16px;font-weight:700;font-family:var(--serif)}.calc-legend{list-style:none;padding:0;margin:0}.calc-legend li{display:flex;align-items:center;gap:9px;color:#dbe9e0;font-size:.92rem;margin-bottom:12px}.calc-legend b{color:#fff;margin-left:auto;padding-left:14px}.dot{width:11px;height:11px;border-radius:3px;display:inline-block;flex-shrink:0}.dot--p{background:#fff}.dot--i{background:var(--gold-soft)}.calc-bars{display:flex;align-items:flex-end;gap:8px;height:140px;border-bottom:1px solid rgba(255,255,255,.2);padding-top:6px}.calc-bars__col{flex:1;display:flex;flex-direction:column;align-items:center;height:100%;justify-content:flex-end}.calc-bars__stack{width:60%;max-width:26px;background:var(--gold-soft);border-radius:3px 3px 0 0;display:flex;flex-direction:column;justify-content:flex-start}.calc-bars__p{width:100%;background:#fff;border-radius:3px 3px 0 0}.calc-bars__yr{font-size:.72rem;color:#c3ddcd;margin-top:6px}.calc-bars__key{display:flex;align-items:center;gap:8px;justify-content:center;color:#c3ddcd;font-size:.82rem;margin:12px 0 20px}.calc-compare{display:flex;flex-direction:column;gap:12px;margin-bottom:22px}.calc-compare__row{display:flex;align-items:center;gap:12px;border:1px solid rgba(255,255,255,.18);border-radius:12px;padding:14px 16px}.calc-compare__row>div{flex:1}.calc-compare__row .right{text-align:right}.calc-compare__row small{display:block;color:#c3ddcd;font-size:.82rem;margin-bottom:3px}.calc-compare__row b{font-family:var(--serif);font-size:1.25rem;color:#fff}.calc-compare__vs{width:40px;height:40px;border-radius:50%;background:#ffffff1f;display:grid;place-items:center;font-size:.74rem;font-weight:700;color:#c3ddcd;flex:0 0 auto!important}@media (max-width: 820px){.calc-grid{grid-template-columns:1fr}}.text-center{text-align:center}.mt-0{margin-top:0}.mb-0{margin-bottom:0}.disclaimer{font-size:.82rem;color:var(--slate)}.cta-band{background:linear-gradient(135deg,var(--gold) 0%,var(--gold-soft) 100%);border-radius:20px;padding:48px;text-align:center}.cta-band h2{color:var(--navy)}.cta-band p{color:#4a3d13;max-width:560px;margin:0 auto 24px}.skip-link{position:absolute;left:-999px}.skip-link:focus{left:16px;top:16px;background:#fff;padding:10px 16px;border-radius:8px;z-index:200}.loader{display:inline-block;width:20px;height:20px;border:2.5px solid rgba(255,255,255,.4);border-top-color:#fff;border-radius:50%;animation:spin .7s linear infinite}.loader--dark{border-color:#0b254540;border-top-color:var(--navy)}@keyframes spin{to{transform:rotate(360deg)}}