:root{--color-bg:#faf9f6;--color-surface:#fff;--color-border:#e6e2d8;--color-text:#1c231f;--color-text-muted:#5a6259;--color-primary:#1f5f4c;--color-primary-dark:#163f34;--color-accent:#c0703a;--color-danger:#b3432b;--radius-sm:8px;--radius-md:14px;--radius-lg:22px;--shadow-sm:0 1px 2px #1c231f0f;--shadow-md:0 8px 24px #1c231f14;--max-width:1080px;font-family:-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Helvetica,Arial,sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth}body{background:var(--color-bg);color:var(--color-text);-webkit-font-smoothing:antialiased;margin:0;line-height:1.55}img,svg{max-width:100%}a{color:var(--color-primary)}.container{max-width:var(--max-width);margin:0 auto;padding:0 24px}.site-header{z-index:20;-webkit-backdrop-filter:blur(6px);backdrop-filter:blur(6px);border-bottom:1px solid var(--color-border);background:#faf9f6eb;position:sticky;top:0}.site-header .container{justify-content:space-between;align-items:center;height:64px;display:flex}.logo{letter-spacing:-.01em;color:var(--color-text);font-size:1.15rem;font-weight:700;text-decoration:none}.logo strong{color:var(--color-primary)}.header-cta{border-radius:var(--radius-sm);background:var(--color-primary);color:#fff;padding:10px 18px;font-size:.92rem;font-weight:600;text-decoration:none;display:inline-block}.header-cta:hover{background:var(--color-primary-dark)}.header-actions{align-items:center;gap:12px;display:flex}.lang-switch{color:var(--color-text-muted);border:1px solid var(--color-border);border-radius:var(--radius-sm);padding:5px 9px;font-size:.82rem;font-weight:700}.lang-switch:hover{color:var(--color-primary);border-color:var(--color-primary)}section{padding:72px 0}section h2{letter-spacing:-.01em;margin-bottom:8px;font-size:1.7rem}.section-lead{color:var(--color-text-muted);max-width:640px;margin-bottom:40px}.hero{text-align:center;padding:88px 0 56px}.hero h1{letter-spacing:-.02em;margin:0 0 20px;font-size:clamp(2rem,5vw,3.1rem);line-height:1.15}.hero p.subhead{color:var(--color-text-muted);max-width:620px;margin:0 auto 32px;font-size:1.15rem}.hero-actions{flex-wrap:wrap;justify-content:center;gap:14px;display:flex}.btn{border-radius:var(--radius-sm);cursor:pointer;border:1px solid #0000;padding:13px 26px;font-size:1rem;font-weight:600;text-decoration:none;display:inline-block}.btn-primary{background:var(--color-primary);color:#fff}.btn-primary:hover{background:var(--color-primary-dark)}.btn-secondary{color:var(--color-text);border-color:var(--color-border);background:0 0}.btn-secondary:hover{border-color:var(--color-primary);color:var(--color-primary)}.calculator-shell{background:var(--color-surface);border:1px solid var(--color-border);border-radius:var(--radius-lg);box-shadow:var(--shadow-md);grid-template-columns:1fr;gap:32px;padding:32px;display:grid}@media (width>=860px){.calculator-shell{grid-template-columns:1fr 1fr;padding:40px}}.mode-tabs{border:1px solid var(--color-border);border-radius:var(--radius-sm);margin-bottom:20px;display:inline-flex;overflow:hidden}.mode-tabs button{cursor:pointer;color:var(--color-text-muted);background:0 0;border:none;padding:9px 16px;font-size:.9rem}.mode-tabs button[aria-pressed=true]{background:var(--color-primary);color:#fff}.period-toggle{color:var(--color-text-muted);gap:16px;margin-bottom:20px;font-size:.88rem;display:flex}.period-toggle label{align-items:center;gap:6px;display:inline-flex}.field{margin-bottom:18px}.field label{color:var(--color-text);margin-bottom:6px;font-size:.86rem;font-weight:600;display:block}.field .hint{color:var(--color-text-muted);margin-top:4px;font-size:.78rem;font-weight:400;display:block}.field input{border:1px solid var(--color-border);border-radius:var(--radius-sm);background:var(--color-bg);width:100%;color:var(--color-text);padding:11px 13px;font-size:1rem}.field input:focus{outline:2px solid var(--color-primary);outline-offset:1px}.field select{border:1px solid var(--color-border);border-radius:var(--radius-sm);background:var(--color-bg);width:100%;color:var(--color-text);padding:11px 13px;font-size:1rem}.field select:focus{outline:2px solid var(--color-primary);outline-offset:1px}.currency-field{max-width:160px}.field-row{grid-template-columns:1fr 1fr;gap:14px;display:grid}details.assumptions{border-top:1px solid var(--color-border);margin-top:8px;padding-top:16px}details.assumptions summary{cursor:pointer;color:var(--color-primary);font-size:.9rem;font-weight:600}.assumptions-lock-note{background:var(--color-bg);border:1px dashed var(--color-border);border-radius:var(--radius-sm);color:var(--color-text-muted);margin:12px 0 0;padding:8px 12px;font-size:.82rem}.assumptions-lock-note a{color:var(--color-primary);font-weight:600}details.assumptions input[readonly]{background:var(--color-border);color:var(--color-text-muted);border-color:var(--color-border);cursor:not-allowed;opacity:.85}.info-icon{border:1px solid var(--color-border);background:var(--color-bg);width:16px;height:16px;color:var(--color-text-muted);cursor:help;vertical-align:middle;border-radius:50%;justify-content:center;align-items:center;margin-left:4px;padding:0;font-size:.68rem;font-style:italic;font-weight:700;line-height:1;display:inline-flex;position:relative}.info-icon:after{content:attr(data-tooltip);background:var(--color-text);color:#fff;border-radius:var(--radius-sm);opacity:0;visibility:hidden;z-index:20;pointer-events:none;width:max-content;max-width:260px;padding:8px 10px;font-size:.76rem;font-style:normal;font-weight:400;line-height:1.4;transition:opacity .12s;position:absolute;bottom:calc(100% + 8px);left:50%;transform:translate(-50%)}.info-icon:hover:after,.info-icon:focus:after,.info-icon.is-open:after{opacity:1;visibility:visible}.assumptions-note{color:var(--color-text-muted);align-items:flex-start;gap:6px;margin:4px 0 0;font-size:.82rem;display:flex}.assumptions-note .info-icon{flex-shrink:0;margin-top:1px;margin-left:0}.print-glossary{display:none}.calc-errors{color:var(--color-danger);border-radius:var(--radius-sm);background:#fbeae5;margin-top:12px;padding:14px;font-size:.88rem}.calc-errors p{margin:4px 0}.result-panel{background:var(--color-bg);border-radius:var(--radius-md);border:1px solid var(--color-border);padding:24px}.result-eyebrow{text-transform:uppercase;letter-spacing:.06em;color:var(--color-primary);margin:0 0 4px;font-size:.72rem;font-weight:700}.result-headline{color:var(--color-primary-dark);margin:0 0 8px;font-size:1.25rem;font-weight:700}.result-explanation{color:var(--color-text-muted);margin:0 0 20px;font-size:.94rem}.result-keeper{color:var(--color-text-muted);text-align:center;margin:14px 0 0;font-size:.82rem}.stat-grid{grid-template-columns:1fr 1fr;gap:14px;margin-bottom:20px;display:grid}.stat-card{background:var(--color-surface);border:1px solid var(--color-border);border-radius:var(--radius-sm);padding:12px 14px}.stat-card .label{text-transform:uppercase;letter-spacing:.04em;color:var(--color-text-muted);margin-bottom:4px;font-size:.74rem;display:block}.stat-card .value{font-size:1.15rem;font-weight:700}.chart-wrap{margin:20px 0}.chart-line{fill:none;stroke:var(--color-primary);stroke-width:2.5px}.chart-target-line{stroke:var(--color-accent);stroke-dasharray:4 4;stroke-width:1.5px}.chart-axis,.chart-tick{stroke:var(--color-border);stroke-width:1px}.chart-axis-label{fill:var(--color-text-muted);font-size:8px}.chart-freedom-point{fill:var(--color-accent);stroke:#fff;stroke-width:1.5px}.top-factors{color:var(--color-text);margin:0 0 20px;padding-left:20px;font-size:.9rem}.top-factors li{margin-bottom:4px}.result-actions{flex-direction:column;gap:8px;display:flex}.result-actions-buttons{flex-wrap:wrap;gap:10px;display:flex}.result-actions-note{color:var(--color-text-muted);margin:0;font-size:.78rem}.pro-panel{background:var(--color-bg);border:1px solid var(--color-border);border-radius:var(--radius-sm);margin:0 0 20px;padding:16px}.pro-panel-title{margin:0 0 12px;font-size:.85rem;font-weight:600}.pro-tag{letter-spacing:.04em;background:var(--color-primary);color:#fff;vertical-align:middle;border-radius:999px;margin-left:4px;padding:2px 6px;font-size:.62rem;font-weight:700;display:inline-block}.scenario-grid{grid-template-columns:repeat(3,1fr);gap:10px;display:grid}.scenario-card{background:var(--color-surface);border:1px solid var(--color-border);border-radius:var(--radius-sm);text-align:center;padding:10px 12px}.scenario-card.worst{border-top:3px solid var(--color-danger)}.scenario-card.base{border-top:3px solid var(--color-primary)}.scenario-card.best{border-top:3px solid var(--color-accent)}.scenario-label{text-transform:uppercase;letter-spacing:.03em;color:var(--color-text-muted);margin-bottom:4px;font-size:.7rem;display:block}.scenario-value{font-size:.92rem;font-weight:700;display:block}.levers-list{margin:0;padding-left:18px;font-size:.88rem}.levers-list li{margin-bottom:6px}@media (width<=480px){.scenario-grid{grid-template-columns:1fr}.cookie-banner{max-width:none;bottom:12px;left:12px;right:12px}}.scenario-deltas{color:var(--color-text-muted);flex-wrap:wrap;gap:16px;margin-bottom:12px;font-size:.82rem;display:flex}.scenario-deltas label{align-items:center;gap:6px;display:inline-flex}.scenario-deltas input{border:1px solid var(--color-border);border-radius:var(--radius-sm);background:var(--color-surface);width:56px;color:var(--color-text);padding:4px 6px;font-size:.85rem}.levers-sliders{gap:16px;margin-bottom:14px;display:grid}.lever-slider label{margin-bottom:6px;font-size:.88rem;font-weight:600;display:block}.lever-slider input[type=range]{width:100%;accent-color:var(--color-primary)}.lever-preview{color:var(--color-primary-dark);min-height:1.2em;margin:6px 0 0;font-size:.85rem}.lever-applied-note{color:var(--color-primary-dark);margin:10px 0 0;font-size:.85rem;font-weight:600}.btn-small{padding:9px 16px;font-size:.88rem}.pro-unlocked-notice{background:var(--color-surface);border:1px solid var(--color-primary);border-radius:var(--radius-md);text-align:center;padding:28px 24px;font-size:.95rem}.pro-unlocked-notice h3{color:var(--color-primary-dark);margin:0 0 10px;font-size:1.3rem}.pro-unlocked-notice p{max-width:520px;color:var(--color-text-muted);margin:0 auto 18px}.pro-print-seal{display:none}.feedback-modal{z-index:50;background:#1c231f80;justify-content:center;align-items:center;padding:20px;display:flex;position:fixed;inset:0}.feedback-modal[hidden]{display:none}.cookie-banner{background:var(--color-primary-dark);color:#fff;border-radius:var(--radius-md);z-index:60;max-width:360px;padding:18px 20px;position:fixed;bottom:16px;left:16px;box-shadow:0 8px 24px #1c231f40}.cookie-banner[hidden]{display:none}.cookie-banner-inner{flex-direction:column;gap:14px;display:flex}.cookie-banner p{margin:0;font-size:.85rem;line-height:1.5}.cookie-banner a{color:#fff;text-decoration:underline}.cookie-actions{flex-shrink:0;gap:10px;display:flex}.cookie-banner .btn-secondary{color:#fff;background:0 0;border-color:#ffffff80}.cookie-banner .btn-secondary:hover{color:#fff;border-color:#fff}.feedback-modal-inner{background:var(--color-surface);border-radius:var(--radius-lg);width:100%;max-width:440px;box-shadow:var(--shadow-md);padding:28px;position:relative}.feedback-close{width:32px;height:32px;color:var(--color-text-muted);cursor:pointer;border-radius:var(--radius-sm);background:0 0;border:none;font-size:1.4rem;line-height:1;position:absolute;top:12px;right:12px}.feedback-close:hover,.feedback-close:focus-visible{background:var(--color-bg);color:var(--color-text);outline:none}.feedback-modal-inner h3{margin:0 0 6px;font-size:1.1rem}.feedback-modal-inner>p{color:var(--color-text-muted);margin:0 0 18px;font-size:.88rem}.feedback-field{margin-bottom:16px}.feedback-field label{margin-bottom:6px;font-size:.86rem;font-weight:600;display:block}.feedback-label{margin-bottom:8px;font-size:.86rem;font-weight:600;display:block}.feedback-choices{flex-wrap:wrap;gap:8px;display:flex}.feedback-choice{border:1px solid var(--color-border);background:var(--color-bg);color:var(--color-text);border-radius:var(--radius-sm);cursor:pointer;padding:8px 12px;font-size:.84rem}.feedback-choice.is-selected{background:var(--color-primary);border-color:var(--color-primary);color:#fff}.feedback-field textarea,.feedback-field input[type=text],.feedback-field input[type=email]{border:1px solid var(--color-border);border-radius:var(--radius-sm);background:var(--color-bg);width:100%;color:var(--color-text);padding:10px 12px;font-family:inherit;font-size:.9rem}.feedback-field textarea{resize:vertical}.feedback-status{color:var(--color-primary-dark);margin:0 0 12px;font-size:.85rem}.feedback-status.is-error{color:var(--color-danger)}.feedback-actions{flex-wrap:wrap;justify-content:flex-end;gap:10px;display:flex}.steps{grid-template-columns:1fr;gap:24px;display:grid}@media (width>=720px){.steps{grid-template-columns:repeat(3,1fr)}}.step{background:var(--color-surface);border:1px solid var(--color-border);border-radius:var(--radius-md);padding:24px}.step .step-number{background:var(--color-primary);color:#fff;border-radius:50%;justify-content:center;align-items:center;width:32px;height:32px;margin-bottom:14px;font-size:.9rem;font-weight:700;display:inline-flex}.example-card{background:var(--color-surface);border:1px solid var(--color-border);border-radius:var(--radius-lg);max-width:640px;padding:28px}.example-card .stat-grid{margin-top:16px}.compare-grid{grid-template-columns:1fr;gap:20px;display:grid}.compare-grid[hidden]{display:none}@media (width>=720px){.compare-grid{grid-template-columns:1fr 1fr}}.plan-card{background:var(--color-surface);border:1px solid var(--color-border);border-radius:var(--radius-md);padding:28px}.plan-card.pro{border-color:var(--color-primary);box-shadow:var(--shadow-md)}.plan-card h3{margin:0 0 4px}.plan-tagline{color:var(--color-text-muted);margin:0 0 10px;font-size:.88rem}.badge-soon{text-transform:uppercase;letter-spacing:.04em;background:var(--color-accent);color:#fff;vertical-align:middle;border-radius:999px;margin-left:8px;padding:3px 8px;font-size:.68rem;font-weight:700;display:inline-block}.plan-price{margin:6px 0 18px;font-size:1.6rem;font-weight:700}.plan-price span{color:var(--color-text-muted);font-size:.9rem;font-weight:400}.plan-card ul{margin:0 0 20px;padding-left:20px;font-size:.92rem}.plan-card li{margin-bottom:8px}.pro-alt-label{color:var(--color-text-muted);margin:20px 0 10px;font-size:.85rem}.pro-access-badge{background:var(--color-primary);color:#fff;border-radius:var(--radius-sm);margin:0 0 14px;padding:8px 12px;font-size:.85rem;font-weight:600}.sr-only{clip:rect(0, 0, 0, 0);white-space:nowrap;border:0;width:1px;height:1px;margin:-1px;padding:0;position:absolute;overflow:hidden}.waitlist-form{flex-wrap:wrap;gap:10px;display:flex}.waitlist-form[hidden]{display:none}.waitlist-form input[type=email]{border:1px solid var(--color-border);border-radius:var(--radius-sm);background:var(--color-bg);color:var(--color-text);flex:200px;padding:11px 13px;font-size:1rem}.waitlist-form input[type=email]:focus{outline:2px solid var(--color-primary);outline-offset:1px}.waitlist-form button{flex:none}.waitlist-status{color:var(--color-primary-dark);margin-top:12px;font-size:.88rem}.waitlist-status.is-error{color:var(--color-danger)}.print-header,.print-inputs,.chart-legend,.print-footer{display:none}.assumptions-list{grid-template-columns:1fr;gap:16px;display:grid}@media (width>=720px){.assumptions-list{grid-template-columns:1fr 1fr}}.assumptions-list .item{background:var(--color-surface);border:1px solid var(--color-border);border-radius:var(--radius-sm);padding:16px 18px;font-size:.9rem}.assumptions-list .item strong{margin-bottom:4px;display:block}.faq-item{border-bottom:1px solid var(--color-border);padding:16px 0}.faq-item summary{cursor:pointer;font-weight:600;list-style:none}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary:after{content:"+";float:right;color:var(--color-primary)}.faq-item[open] summary:after{content:"–"}.faq-item p{color:var(--color-text-muted);margin:10px 0 0}.disclaimer-box{border:1px solid var(--color-border);border-radius:var(--radius-md);color:var(--color-text-muted);background:#f2efe7;padding:24px;font-size:.88rem}.final-cta{text-align:center;background:var(--color-primary-dark);color:#fff;border-radius:var(--radius-lg);padding:56px 24px}.final-cta h2{color:#fff}.final-cta p{color:#d9e5df;max-width:520px;margin:0 auto 24px}.final-cta .btn-primary{color:var(--color-primary-dark);background:#fff}.final-cta .btn-primary:hover{background:#eef4f0}footer.site-footer{border-top:1px solid var(--color-border);color:var(--color-text-muted);padding:32px 0 48px;font-size:.85rem}footer.site-footer nav{flex-wrap:wrap;gap:18px;margin-top:10px;display:flex}footer.site-footer a{color:var(--color-text-muted);text-decoration:none}footer.site-footer a:hover{color:var(--color-primary)}.legal-page{max-width:720px;margin:0 auto;padding:64px 24px}.legal-page h1{margin-bottom:8px}.legal-page .updated{color:var(--color-text-muted);margin-bottom:32px;font-size:.85rem}.legal-page h2{margin-top:36px;font-size:1.2rem}.error-page{text-align:center;flex-direction:column;justify-content:center;align-items:center;min-height:70vh;padding:24px;display:flex}@media print{@page{margin:14mm 12mm}body{color:#1c231f;background:#fff}.site-header,footer.site-footer,.hero,#steps,#example,#pro,#assumptions,#faq,#disclaimer,#final-cta,.header-cta,.lang-switch,#calculator>h2,#calculator>.section-lead,#calculator-form,.result-actions,.feedback-modal,.cookie-banner{display:none!important}#calculator{padding:0}.calculator-shell{box-shadow:none;border:none;gap:0;padding:0;display:block}.print-header{color:#fff;break-after:avoid;background:#163f34;justify-content:space-between;align-items:center;margin:-14mm -12mm 24px;padding:16px 20px;display:flex}.print-brand{letter-spacing:-.01em;font-size:1.25rem;font-weight:700}.print-meta{color:#cfe0d8;font-size:.82rem}.pro-print-seal{color:#fff;letter-spacing:.08em;white-space:nowrap;border:2px solid #fff;border-radius:999px;padding:4px 10px;font-size:.72rem;font-weight:800;display:inline-block;transform:rotate(-4deg)}.result-panel{background:0 0;border:none;padding:0}.result-headline{color:#163f34;break-after:avoid;font-size:1.4rem}.print-inputs{break-inside:avoid;background:#f2efe7;border-radius:10px;grid-template-columns:1fr 1fr;gap:6px 24px;margin:16px 0 22px;padding:14px 16px;display:grid}.print-inputs>div{border-bottom:1px solid #e0d9c8;justify-content:space-between;gap:12px;padding:3px 0;font-size:.82rem;display:flex}.print-inputs-wide{grid-column:1/-1}.print-inputs dt{color:#5a6259}.print-inputs dd{text-align:right;margin:0;font-weight:600}.stat-card{break-inside:avoid;border:1px solid #d8d2c2;border-left:3px solid #1f5f4c}.chart-wrap{break-inside:avoid}.chart-legend{color:#5a6259;gap:18px;margin-top:8px;font-size:.76rem;display:flex}.chart-legend .swatch{vertical-align:middle;width:14px;height:3px;margin-right:4px;display:inline-block}.chart-legend .swatch-line{background:#1f5f4c}.chart-legend .swatch-target{background:#c0703a}.chart-legend .swatch-point{background:#c0703a;border-radius:50%;width:8px;height:8px}.print-footer{break-inside:avoid;border-top:1px solid #d8d2c2;margin-top:22px;padding-top:12px;display:block}.print-disclaimer{color:#5a6259;margin:0 0 6px;font-size:.76rem}.print-wordmark{color:#5a6259;margin:0;font-size:.78rem}.info-icon{display:none}.print-glossary{break-inside:avoid;border-top:1px solid #d8d2c2;margin-top:20px;padding-top:14px;display:block}.print-glossary h3{color:#163f34;margin:0 0 8px;font-size:.86rem}.print-glossary dl{gap:6px;margin:0;display:grid}.print-glossary dt{color:#163f34;font-size:.78rem;font-weight:700;display:inline}.print-glossary dd{color:#5a6259;margin:0 0 0 4px;font-size:.78rem;display:inline}}