:root{--navy-900: #081627;--navy-800: #0b2036;--navy-700: #0f2a46;--navy-600: #163a5f;--navy-500: #1f4d7a;--navy-050: #eef3f9;--gold-600: #9a7b2e;--gold-500: #c29a45;--gold-400: #d8b96e;--gold-100: #f6edd6;--flag-red: #b22234;--flag-blue: #16345c;--grow: #1f9d6b;--grow-soft: #e4f6ee;--warn: #b4691a;--warn-soft: #fbf0e2;--ink: #10192a;--ink-2: #35435c;--muted: #64748b;--line: #e4eaf2;--line-2: #eef2f8;--paper: #ffffff;--canvas: #f5f8fc;--canvas-2: #eef3fa;--radius: 14px;--radius-sm: 10px;--radius-lg: 22px;--shadow-sm: 0 1px 2px rgba(10, 25, 50, .06), 0 1px 3px rgba(10, 25, 50, .05);--shadow: 0 6px 20px -8px rgba(12, 32, 64, .18), 0 2px 6px rgba(12, 32, 64, .06);--shadow-lg: 0 24px 60px -20px rgba(9, 25, 56, .35);--ring: 0 0 0 3px rgba(31, 77, 122, .28);--container: 1120px;--font: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, "Noto Sans", sans-serif;--mono: ui-monospace, "SF Mono", "SFMono-Regular", Menlo, Consolas, "Liberation Mono", monospace;--header-h: 66px}:root[data-theme=dark]{--ink: #eaf1fb;--ink-2: #b8c6dc;--muted: #8ea1bd;--line: #1d3350;--line-2: #16273f;--paper: #0c1c30;--canvas: #081426;--canvas-2: #0a1a2e;--navy-050: #12283f;--gold-500: #d8b96e;--grow: #47c491;--grow-soft: #10352a;--shadow-sm: 0 1px 2px rgba(0, 0, 0, .4);--shadow: 0 8px 26px -10px rgba(0, 0, 0, .6);--shadow-lg: 0 26px 70px -24px rgba(0, 0, 0, .75)}*,*:before,*:after{box-sizing:border-box}*{margin:0}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%;scrollbar-gutter:stable}body{font-family:var(--font);color:var(--ink);background:var(--canvas);line-height:1.6;font-size:17px;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}img,svg{display:block;max-width:100%}a{color:var(--navy-500);text-decoration:none}a:hover{text-decoration:underline}:root[data-theme=dark] 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.rh-sub{color:#b9c9e0;font-size:.92rem}.milestones{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}@media(max-width:520px){.milestones{grid-template-columns:1fr}}.milestone{background:var(--canvas);border:1px solid var(--line);border-radius:var(--radius-sm);padding:12px 14px}.milestone .m-age{font-size:.8rem;font-weight:700;color:var(--muted);text-transform:uppercase;letter-spacing:.04em}.milestone .m-val{font-size:1.4rem;font-weight:800;color:var(--ink);font-variant-numeric:tabular-nums;margin-top:2px}.milestone .m-note{font-size:.8rem;color:var(--muted);margin-top:3px}.breakdown{display:grid;grid-template-columns:1fr 1fr;gap:10px 20px;margin-top:4px;font-size:.92rem}.breakdown .bd{display:flex;justify-content:space-between;gap:10px;padding:8px 0;border-bottom:1px dashed var(--line)}.breakdown .bd b{font-variant-numeric:tabular-nums}.growth-bars{display:flex;align-items:flex-end;gap:12px;height:150px;margin-top:8px}.growth-bars .gb{flex:1;display:flex;flex-direction:column;justify-content:flex-end;gap:6px;text-align:center}.growth-bars .bar{border-radius:8px 8px 4px 4px;background:linear-gradient(180deg,var(--gold-400),var(--gold-600));min-height:6px;transition:height .5s cubic-bezier(.22,1,.36,1);position:relative}.growth-bars .bar .seg-contrib{position:absolute;bottom:0;left:0;right:0;background:var(--navy-600);border-radius:0 0 4px 4px}.growth-bars .gb small{font-size:.74rem;color:var(--muted);font-weight:600}.feature .ficon{width:46px;height:46px;border-radius:12px;display:grid;place-items:center;background:var(--navy-050);color:var(--navy-600);margin-bottom:14px}:root[data-theme=dark] .feature .ficon{color:var(--gold-400)}.feature h3{margin-bottom:6px}.feature p{font-size:.96rem}.steps{counter-reset:step;display:grid;gap:18px}.step{display:grid;grid-template-columns:46px 1fr;gap:18px;align-items:start}.step .num{counter-increment:step;width:46px;height:46px;border-radius:50%;background:var(--navy-700);color:#fff;display:grid;place-items:center;font-weight:800;font-size:1.1rem}.step .num:before{content:counter(step)}.step h3{margin-bottom:4px}.step p{font-size:.97rem}.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow-sm)}table.compare{width:100%;border-collapse:collapse;background:var(--paper);min-width:640px}table.compare th,table.compare td{padding:15px 18px;text-align:left;border-bottom:1px solid var(--line-2);vertical-align:top;font-size:.95rem}table.compare thead th{background:var(--canvas-2);font-size:.82rem;text-transform:uppercase;letter-spacing:.04em;color:var(--ink-2);position:sticky;top:0}table.compare tbody th{font-weight:700;color:var(--ink)}table.compare .col-featured{background:color-mix(in srgb,var(--gold-100) 55%,var(--paper))}:root[data-theme=dark] table.compare .col-featured{background:color-mix(in 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solid var(--gold-500);background:var(--gold-100);border-radius:0 var(--radius-sm) var(--radius-sm) 0;padding:16px 20px;color:#4a3a12}:root[data-theme=dark] .callout{background:color-mix(in srgb,var(--gold-500) 12%,var(--paper));color:var(--ink-2)}.callout-info{border-color:var(--navy-500);background:var(--navy-050);color:var(--ink-2)}.callout a{text-decoration:underline;text-underline-offset:2px}.callout strong{color:inherit}.disclaimer{font-size:.84rem;color:var(--muted);border-top:1px dashed var(--line);padding-top:16px}.prose{max-width:720px}.prose h2{margin-top:2.2em;margin-bottom:.5em}.prose h3{margin-top:1.6em;margin-bottom:.3em}.prose p,.prose li{color:var(--ink-2)}.prose ul,.prose ol{padding-left:1.3em}.prose li+li{margin-top:.4em}.prose a{text-decoration:underline;text-underline-offset:2px}.prose .lead{margin-bottom:1.4em}.cta-band{background:linear-gradient(120deg,var(--navy-800),var(--navy-700));border-radius:var(--radius-lg);padding:clamp(32px,5vw,56px);color:#fff;text-align:center;position:relative;overflow:hidden}.cta-band h2{color:#fff}.cta-band p{color:#b9c9e0;max-width:52ch;margin-inline:auto}.cta-actions{display:flex;gap:12px;justify-content:center;flex-wrap:wrap;margin-top:22px}.site-footer{background:var(--navy-900);color:#b9c9e0;padding:56px 0 30px;margin-top:40px}.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:32px}@media(max-width:780px){.footer-grid{grid-template-columns:1fr 1fr;gap:26px}}@media(max-width:460px){.footer-grid{grid-template-columns:1fr}}.site-footer h4,.site-footer .fh{color:#fff;font-size:.82rem;text-transform:uppercase;letter-spacing:.08em;margin-bottom:14px}.site-footer a{color:#b9c9e0;display:block;padding:5px 0;font-size:.93rem}.site-footer a:hover{color:#fff}.footer-brand p{color:#90a3c2;font-size:.9rem;margin-top:12px;max-width:34ch}.footer-bottom{border-top:1px solid var(--navy-700);margin-top:40px;padding-top:22px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:.84rem;color:#90a3c2}.footer-disclaimer{font-size:.8rem;color:#7f92b3;margin-top:14px;line-height:1.6}.model-grid{display:grid;grid-template-columns:370px 1fr;gap:28px;align-items:start}@media(max-width:940px){.model-grid{grid-template-columns:1fr}}.model-panel{position:sticky;top:calc(var(--header-h) + 16px)}@media(max-width:940px){.model-panel{position:static}}.panel-group{border-top:1px solid var(--line-2);padding-top:16px;margin-top:16px}.panel-group:first-child{border-top:0;padding-top:0;margin-top:0}.panel-group h4,.panel-group .pg-title{font-size:.78rem;text-transform:uppercase;letter-spacing:.07em;color:var(--muted);margin-bottom:12px}.contrib-row{display:flex;gap:8px;align-items:center;margin-bottom:8px}.contrib-row .input[type=text]{flex:1}.contrib-row select.input{flex:0 1 auto;width:auto;min-width:0}.contrib-row .input-money{flex:1;min-width:110px}.icon-btn{width:36px;height:36px;flex:none;border:1px solid var(--line);background:var(--paper);border-radius:9px;cursor:pointer;color:var(--muted)}.icon-btn:hover{color:var(--flag-red);border-color:var(--flag-red)}.fan-wrap{width:100%;border:1px solid var(--line);border-radius:var(--radius);background:var(--paper);padding:8px}#fanChart{width:100%;height:260px;display:block}.mc-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}.mc-stat{text-align:center;padding:14px;border-radius:var(--radius-sm);border:1px solid var(--line)}.mc-stat.low{background:color-mix(in srgb,var(--flag-red) 6%,var(--paper))}.mc-stat.mid{background:var(--navy-050)}.mc-stat.high{background:var(--grow-soft)}.mc-stat .lbl{font-size:.74rem;text-transform:uppercase;letter-spacing:.04em;color:var(--muted);font-weight:700}.mc-stat .v{font-size:1.35rem;font-weight:800;font-variant-numeric:tabular-nums;margin-top:3px}.compare-box{border:1px dashed var(--gold-500);border-radius:var(--radius);padding:16px 18px;background:var(--gold-100)}:root[data-theme=dark] .compare-box{background:color-mix(in srgb,var(--gold-500) 10%,var(--paper))}.cmp-grid{display:grid;grid-template-columns:1fr auto 1fr;gap:14px;align-items:center}.cmp-cell .cl{font-size:.78rem;color:var(--muted);font-weight:600}.cmp-cell .cv{font-size:1.3rem;font-weight:800;font-variant-numeric:tabular-nums}.cmp-delta{font-size:1.15rem;font-weight:800;text-align:center}.mt-0{margin-top:0}.mt-1{margin-top:8px}.mt-2{margin-top:16px}.mt-3{margin-top:24px}.mt-4{margin-top:36px}.mb-2{margin-bottom:16px}.mb-3{margin-bottom:24px}.flex{display:flex}.items-center{align-items:center}.gap-2{gap:12px}.gap-3{gap:20px}.wrap{flex-wrap:wrap}@media(max-width:620px){.hide-sm{display:none!important}}.tabular{font-variant-numeric:tabular-nums}.skip-link{position:absolute;left:-999px}.skip-link:focus{left:16px;top:10px;z-index:100;background:#fff;padding:10px 16px;border-radius:8px;box-shadow:var(--shadow)}@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important;animation:none!important}}:root,:root[data-theme=dark]{--bg: var(--paper);--surface: var(--canvas);--text: var(--ink);--text-muted: var(--muted);--border: var(--line);--trust-blue: var(--navy-500);--trust-blue-dark: var(--navy-600);--growth-green: var(--grow);--warning: var(--warn);--error: var(--flag-red)}:root[data-theme=dark]{--trust-blue: #7fb2e8;--trust-blue-dark: #9cc4f0}main p a:not(.btn),main li a:not(.btn){text-decoration:underline;text-underline-offset:2px}