.calc-page{background:var(--color-gray-50);min-height:100vh}.calc-screen{display:none}.calc-screen.active{display:block}.calc-hero-section{background:linear-gradient(135deg, var(--color-navy-dark,#161840) 0%, var(--color-navy) 55%, #2a1f5a 100%);color:#fff;text-align:center;padding:8rem 1.25rem 4.5rem;position:relative;overflow:hidden}.calc-hero-section:before{content:"";pointer-events:none;background:radial-gradient(at 70% 40%,#ac419747 0%,#0000 55%),radial-gradient(at 20% 80%,#20d3ef2e 0%,#0000 50%);position:absolute;inset:0}.calc-hero-section:after{content:"";pointer-events:none;background-image:linear-gradient(#ffffff08 1px,#0000 1px),linear-gradient(90deg,#ffffff08 1px,#0000 1px);background-size:60px 60px;position:absolute;inset:0;-webkit-mask-image:radial-gradient(80% 80%,#000 20%,#0000 100%);mask-image:radial-gradient(80% 80%,#000 20%,#0000 100%)}.calc-intro{z-index:1;max-width:760px;margin:0 auto;position:relative}.calc-badge{color:var(--color-cyan);border-radius:var(--radius-full);letter-spacing:.08em;text-transform:uppercase;background:#20d3ef1f;border:1px solid #20d3ef4d;align-items:center;gap:8px;margin-bottom:1.5rem;padding:5px 14px;font-size:11px;font-weight:700;display:inline-flex}.calc-intro-icon{background:#ac41972e;border:1.5px solid #ac419759;border-radius:50%;justify-content:center;align-items:center;width:68px;height:68px;margin:0 auto 1.5rem;display:flex}.calc-intro-icon svg{width:30px;height:30px;color:var(--color-cyan)}.calc-intro h1{font-family:var(--font-sans);color:#fff;letter-spacing:-.03em;margin-bottom:1rem;font-size:clamp(1.75rem,4.5vw,3rem);font-weight:900;line-height:1.15}.calc-intro h1 span{color:var(--color-cyan)}.calc-intro>p{color:#ffffffa6;max-width:520px;margin:0 auto 2.25rem;font-size:1.1rem;line-height:1.75}.calc-checklist{text-align:left;flex-direction:column;gap:10px;max-width:420px;margin:0 auto 2.5rem;display:flex}.calc-check-item{color:#ffffffb3;align-items:flex-start;gap:10px;font-size:14px;line-height:1.5;display:flex}.calc-check-dot{background:#20d3ef26;border:1.5px solid #20d3ef59;border-radius:50%;flex-shrink:0;justify-content:center;align-items:center;width:20px;height:20px;margin-top:1px;display:flex}.calc-check-dot svg{width:10px;height:10px;color:var(--color-cyan)}.persona-grid{grid-template-columns:repeat(4,1fr);gap:10px;max-width:700px;margin:0 auto 2.5rem;display:grid}.persona-card{border-radius:var(--radius-xl);text-align:center;cursor:pointer;-webkit-backdrop-filter:blur(4px);backdrop-filter:blur(4px);background:#ffffff0f;border:1.5px solid #ffffff26;padding:.9rem .65rem;transition:all .15s}.persona-card:hover{background:#ffffff1a;border-color:#20d3ef66}.persona-card.active{border-color:var(--color-cyan);background:#20d3ef26}.persona-card .p-icon{color:#ffffffb3;background:#ffffff14;border-radius:50%;justify-content:center;align-items:center;width:40px;height:40px;margin:0 auto 8px;transition:all .15s;display:flex}.persona-card.active .p-icon{color:var(--color-cyan);background:#20d3ef26}.persona-card .p-title{color:#ffffffd9;font-size:12px;font-weight:700}.persona-card.active .p-title{color:var(--color-cyan)}.persona-card .p-sub{color:#fff6;margin-top:2px;font-size:10px}.persona-card.active .p-sub{color:#20d3efb3}.calc-gate-wrap{width:100%;max-width:500px;margin:0 auto}.calc-gate-card{border:1px solid var(--color-gray-200);border-radius:var(--radius-2xl);text-align:left;background:#fff;padding:2rem 2.25rem;position:relative;box-shadow:0 20px 60px #00000040}.calc-gate-section{padding-bottom:6rem}.calc-gate-card h2{color:var(--color-navy);text-align:center;margin-bottom:.25rem;font-size:1.25rem;font-weight:800}.calc-gate-sub{color:var(--color-gray-500);text-align:center;margin-bottom:1.5rem;font-size:14px}.calc-field-row{grid-template-columns:1fr 1fr;gap:12px;display:grid}.calc-field{margin-bottom:14px}.calc-field label{text-align:left;color:var(--color-gray-600);text-transform:uppercase;letter-spacing:.05em;margin-bottom:5px;font-size:11px;font-weight:700;display:block}.calc-field input,.calc-field select{border:1.5px solid var(--color-gray-200);border-radius:var(--radius-lg);width:100%;color:var(--color-gray-800);font-size:14px;font-family:var(--font-sans);background:#fff;outline:none;padding:10px 12px;transition:border-color .15s}.calc-field input:focus,.calc-field select:focus{border-color:var(--color-primary);box-shadow:0 0 0 3px #ac419714}.calc-err{color:#dc2626;margin-top:6px;font-size:12px;display:none}.calc-privacy{color:var(--color-gray-400);text-align:center;justify-content:center;align-items:center;gap:5px;margin-top:12px;font-size:11px;display:flex}.calc-privacy svg{flex-shrink:0;width:12px;height:12px}.calc-btn{border-radius:var(--radius-lg);cursor:pointer;font-size:15px;font-weight:700;font-family:var(--font-sans);border:none;justify-content:center;align-items:center;gap:8px;padding:13px 28px;text-decoration:none;transition:all .15s;display:inline-flex}.calc-btn:active{transform:scale(.98)}.calc-btn-primary{background:var(--color-primary);color:#fff;width:100%}.calc-btn-primary:hover{background:var(--color-primary-dark)}.calc-btn-hero{background:var(--color-cyan);color:var(--color-navy);width:100%;font-weight:800;box-shadow:0 0 32px #20d3ef59}.calc-btn-hero:hover{background:var(--color-cyan-light,#5ddff5);box-shadow:0 0 40px #20d3ef73}.calc-btn-outline{color:var(--color-navy);border:1.5px solid var(--color-navy);background:0 0}.calc-btn-outline:hover{background:#20224f0d}.calc-screen-header{background:linear-gradient(135deg, var(--color-navy-dark,#161840) 0%, var(--color-navy) 60%, #2a1f5a 100%);padding:8rem 1.25rem 3rem;position:relative;overflow:hidden}.calc-screen-header:before{content:"";pointer-events:none;background:radial-gradient(at 80%,#ac419733 0%,#0000 55%),radial-gradient(at 10% 80%,#20d3ef1f 0%,#0000 50%);position:absolute;inset:0}.calc-screen-header-inner{z-index:1;max-width:1120px;margin:0 auto;position:relative}.calc-main{max-width:1120px;margin:0 auto;padding:2.5rem 1.25rem 4rem;position:relative}.calc-thanks{border-radius:var(--radius-lg);color:#ffffffe6;background:#20d3ef1a;border:1px solid #20d3ef40;align-items:center;gap:8px;margin-bottom:1.5rem;padding:.75rem 1.25rem;font-size:14px;display:flex}.calc-thanks svg{width:16px;height:16px;color:var(--color-cyan);flex-shrink:0}.calc-thanks strong{color:var(--color-cyan)}.calc-eyebrow{letter-spacing:.08em;text-transform:uppercase;color:var(--color-gray-400);margin-bottom:12px;font-size:11px;font-weight:700}.calc-eyebrow.light{color:#ffffff73}.persona-switcher{flex-wrap:wrap;gap:8px;margin-bottom:0;display:flex}.ps-btn{border-radius:var(--radius-full);cursor:pointer;color:#ffffffa6;font-size:12px;font-weight:600;font-family:var(--font-sans);-webkit-backdrop-filter:blur(4px);backdrop-filter:blur(4px);background:#ffffff12;border:1.5px solid #ffffff2e;padding:8px 16px;transition:all .15s}.ps-btn:hover{color:#fff;background:#ffffff1f;border-color:#20d3ef66}.ps-btn.active{color:var(--color-cyan);border-color:var(--color-cyan);background:#20d3ef26;box-shadow:0 0 12px #20d3ef33}.calc-input-grid{grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:12px;margin-bottom:1.75rem;display:grid}.calc-input-card{border:1.5px solid var(--color-gray-200);border-radius:var(--radius-xl);background:#fff;padding:1.125rem 1.25rem;transition:border-color .15s,box-shadow .15s;box-shadow:0 1px 4px #0000000a}.calc-input-card:hover{border-color:var(--color-navy);box-shadow:0 4px 16px #20224f14}.calc-input-card label{color:var(--color-gray-500);margin-bottom:10px;font-size:13px;font-weight:500;line-height:1.5;display:block}.calc-input-card input[type=range]{width:100%;accent-color:var(--color-navy);cursor:pointer;margin-bottom:8px}.calc-input-card .cval{color:var(--color-navy);letter-spacing:-.02em;font-size:22px;font-weight:800}.calc-input-card .cval span{color:var(--color-gray-400);margin-left:3px;font-size:12px;font-weight:400}.calc-input-card.invest-card{background:linear-gradient(135deg,#ac41970f 0%,#ac419708 100%);border-color:#ac41974d;box-shadow:0 2px 12px #ac419714}.calc-input-card.invest-card:hover{border-color:var(--color-primary);box-shadow:0 4px 20px #ac419726}.calc-input-card.invest-card label{color:var(--color-primary);font-weight:600}.calc-input-card.invest-card input[type=range]{accent-color:var(--color-primary)}.calc-input-card.invest-card .cval{color:var(--color-primary)}.calc-input-card.invest-card .cval span{color:var(--color-primary);opacity:.65}.persona-section{display:none}.persona-section.active{display:block}.gold-divider{background:linear-gradient(90deg, var(--color-primary), var(--color-cyan), transparent);border-radius:2px;height:3px;margin:1.75rem 0}.calc-tabs{background:var(--color-gray-100);border-radius:var(--radius-full);flex-wrap:wrap;gap:6px;width:fit-content;margin-bottom:1.5rem;padding:4px;display:flex}.calc-tab{border-radius:var(--radius-full);cursor:pointer;color:var(--color-gray-600);font-size:13px;font-weight:600;font-family:var(--font-sans);background:0 0;border:none;padding:7px 18px;transition:all .15s}.calc-tab:hover{color:var(--color-navy)}.calc-tab.active{background:var(--color-navy);color:#fff;box-shadow:0 2px 8px #20224f33}.calc-metrics{grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:12px;margin-bottom:1.75rem;display:grid}.calc-metric{border:1.5px solid var(--color-gray-200);border-radius:var(--radius-xl);text-align:center;background:#fff;padding:1.25rem 1rem;box-shadow:0 1px 4px #0000000a}.calc-metric .mlabel{color:var(--color-gray-500);text-transform:uppercase;letter-spacing:.04em;margin-bottom:8px;font-size:11px;font-weight:500;line-height:1.4}.calc-metric .mval{color:var(--color-navy);letter-spacing:-.03em;font-size:26px;font-weight:900}.calc-metric.m-highlight{background:linear-gradient(135deg, var(--color-navy-dark,#161840) 0%, var(--color-navy) 100%);border-color:var(--color-navy);box-shadow:0 4px 20px #20224f33}.calc-metric.m-highlight .mlabel{color:#ffffff8c}.calc-metric.m-highlight .mval{color:var(--color-cyan);text-shadow:0 0 20px #20d3ef66}.calc-metric.m-green .mval{color:var(--color-green)}.calc-metric.m-purple{background:linear-gradient(135deg,#ac419712 0%,#ac419708 100%);border-color:#ac419740}.calc-metric.m-purple .mval{color:var(--color-primary)}.calc-breakdown{border:1.5px solid var(--color-gray-200);border-radius:var(--radius-xl);background:#fff;margin-bottom:1.75rem;overflow:hidden}.breakdown-head{background:var(--color-navy);text-transform:uppercase;letter-spacing:.05em;color:#ffffffa6;grid-template-columns:1fr 130px 130px;padding:10px 16px;font-size:11px;font-weight:700;display:grid}.breakdown-row{border-top:1px solid var(--color-gray-200);grid-template-columns:1fr 130px 130px;align-items:center;padding:12px 16px;font-size:14px;display:grid}.breakdown-row:last-child{background:var(--color-gray-50);color:var(--color-navy);font-weight:800}.breakdown-row .bcat{color:var(--color-gray-500)}.breakdown-row .bcost{color:var(--color-gray-800);font-weight:600}.breakdown-row .bsave{color:var(--color-green);font-weight:700}.calc-chart-wrap{width:100%;height:280px;margin-bottom:12px;position:relative}.calc-chart-legend{color:var(--color-gray-500);flex-wrap:wrap;gap:16px;margin-bottom:1.75rem;font-size:12px;display:flex}.calc-chart-legend span{align-items:center;gap:6px;display:flex}.chart-swatch{border-radius:2px;flex-shrink:0;width:12px;height:12px;display:inline-block}.calc-assumptions{border:1.5px solid var(--color-gray-200);border-radius:var(--radius-xl);background:#fff;margin-bottom:1.75rem;overflow:hidden}.assump-hdr{cursor:pointer;-webkit-user-select:none;user-select:none;background:var(--color-gray-50);justify-content:space-between;align-items:center;padding:13px 16px;display:flex}.assump-hdr-title{color:var(--color-navy);align-items:center;gap:8px;font-size:13px;font-weight:700;display:flex}.assump-hdr-title svg{width:15px;height:15px;color:var(--color-gray-400)}.assump-chevron{width:16px;height:16px;color:var(--color-gray-400);flex-shrink:0;transition:transform .2s}.assump-chevron.open{transform:rotate(180deg)}.assump-body{display:none}.assump-body.open{display:block}.assump-sect{border-top:1px solid var(--color-gray-200);padding:12px 16px}.assump-sect h4{text-transform:uppercase;letter-spacing:.05em;color:var(--color-gray-400);margin-bottom:8px;font-size:11px;font-weight:700}.assump-item{border-bottom:1px solid var(--color-gray-200);justify-content:space-between;gap:12px;padding:5px 0;font-size:13px;display:flex}.assump-item:last-child{border-bottom:none}.assump-item .ak{color:var(--color-gray-500)}.assump-item .av{color:var(--color-navy);text-align:right;font-weight:700}.assump-note{color:var(--color-gray-400);border-top:1px solid var(--color-gray-200);padding:10px 16px;font-size:11px;font-style:italic;line-height:1.6}.calc-cta{background:linear-gradient(135deg, var(--color-navy-dark,#161840), var(--color-navy), #2a1f5a);border-radius:var(--radius-2xl);text-align:center;margin-top:2rem;padding:4rem 3rem;position:relative;overflow:hidden}.calc-cta:before{content:"";pointer-events:none;background:radial-gradient(circle,#ac419740 0%,#0000 70%);border-radius:50%;width:500px;height:500px;position:absolute;top:-50%;right:-20%}.calc-cta:after{content:"";pointer-events:none;background:radial-gradient(circle,#20d3ef1f 0%,#0000 70%);border-radius:50%;width:350px;height:350px;position:absolute;bottom:-30%;left:-10%}.calc-cta-inner{z-index:1;position:relative}.calc-cta-inner strong{font-size:clamp(2rem,4vw,3rem);font-weight:var(--font-black);color:#fff;letter-spacing:-.04em;margin-bottom:1rem;line-height:1.15;display:block}.calc-cta-inner p{font-size:var(--text-lg);color:#ffffffa6;max-width:560px;margin:0 auto 2.5rem;line-height:1.7}.calc-cta-actions{flex-wrap:wrap;justify-content:center;align-items:center;gap:1rem;display:flex}.calc-cta-actions a{border-radius:var(--radius-full);font-size:15px;font-weight:700;font-family:var(--font-sans);align-items:center;gap:8px;padding:14px 28px;text-decoration:none;transition:all .15s;display:inline-flex}.cta-btn-p{background:linear-gradient(135deg, var(--color-cyan), var(--color-cyan-dark,#16b8d4));color:var(--color-navy);box-shadow:0 4px 20px #20d3ef66}.cta-btn-p:hover{transform:translateY(-1px);box-shadow:0 6px 30px #20d3ef8c}.cta-btn-s{color:#fff;-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);background:#ffffff1a;border:1.5px solid #ffffff4d}.cta-btn-s:hover{background:#ffffff2e;border-color:#ffffff80;transform:translateY(-1px)}@media (max-width:1024px){.calc-main{padding:2rem 1.25rem 3.5rem}.calc-screen-header{padding:7rem 1.25rem 2.5rem}.calc-metrics{grid-template-columns:repeat(2,1fr)}}@media (max-width:768px){.calc-hero-section{padding:5.5rem 1.25rem 3.5rem}.calc-intro h1{font-size:clamp(1.6rem,4.5vw,2.25rem)}.calc-intro>p{font-size:1rem}.calc-checklist{max-width:100%}.calc-gate-section{min-height:auto;padding:2rem 1.25rem 3rem}.calc-gate-card{padding:1.75rem 1.5rem}.calc-screen-header{padding:5.5rem 1.25rem 2rem}.calc-main{padding:1.75rem 1.25rem 3rem}.calc-input-grid,.calc-metrics{grid-template-columns:repeat(2,1fr)}.calc-tabs{-webkit-overflow-scrolling:touch;border-radius:var(--radius-xl);white-space:nowrap;flex-wrap:nowrap;width:100%;display:flex;overflow-x:auto}.calc-tab{flex-shrink:0;padding:7px 14px;font-size:12px}.calc-breakdown{overflow-x:auto}.breakdown-head,.breakdown-row{min-width:480px}.persona-grid{grid-template-columns:repeat(2,1fr)}.calc-cta{padding:3rem 1.75rem}.calc-cta-inner strong{font-size:clamp(1.5rem,4vw,2.25rem)}}@media (max-width:540px){.calc-hero-section{padding:4.5rem 1rem 3rem}.calc-intro h1{letter-spacing:-.025em;font-size:1.55rem}.calc-intro>p{margin-bottom:1.75rem;font-size:.95rem}.calc-badge{padding:4px 11px;font-size:10px}.calc-intro-icon{width:56px;height:56px;margin-bottom:1.25rem}.calc-gate-section{padding:1.5rem 1rem 2.5rem}.calc-gate-card{border-radius:var(--radius-xl);padding:1.5rem 1.125rem}.calc-gate-card h2{font-size:1.1rem}.calc-field-row{grid-template-columns:1fr;gap:0}.calc-field{margin-bottom:12px}.calc-field label{font-size:10px}.calc-field input,.calc-field select{padding:9px 10px;font-size:14px}.calc-screen-header{padding:4.5rem 1rem 1.75rem}.calc-thanks{padding:.6rem 1rem;font-size:13px}.calc-main{padding:1.25rem 1rem 2.5rem}.calc-input-grid{grid-template-columns:1fr;gap:10px;margin-bottom:1.25rem}.calc-input-card{padding:1rem}.calc-input-card label{margin-bottom:8px;font-size:12px}.calc-input-card .cval{font-size:20px}.calc-metrics{grid-template-columns:repeat(2,1fr);gap:8px;margin-bottom:1.25rem}.calc-metric{padding:1rem .75rem}.calc-metric .mlabel{font-size:10px}.calc-metric .mval{font-size:22px}.calc-tabs{border-radius:var(--radius-xl);-webkit-overflow-scrolling:touch;white-space:nowrap;flex-wrap:nowrap;width:100%;padding:3px;display:flex;overflow-x:auto}.calc-tab{flex-shrink:0;padding:6px 12px;font-size:11px}.calc-breakdown{-webkit-overflow-scrolling:touch;margin-bottom:1.25rem;overflow-x:auto}.breakdown-head,.breakdown-row{grid-template-columns:1fr 90px 90px;min-width:420px;font-size:12px}.breakdown-row{padding:10px 12px}.persona-grid{grid-template-columns:repeat(2,1fr);gap:8px}.persona-card{padding:.75rem .5rem}.persona-card .p-title{font-size:11px}.persona-switcher{gap:6px}.ps-btn{padding:6px 12px;font-size:11px}.calc-chart-wrap{height:220px}.calc-cta{border-radius:var(--radius-xl);margin-top:1.5rem;padding:2rem 1.125rem}.calc-cta-inner strong{font-size:clamp(1.35rem,5vw,2rem)}.calc-cta-inner p{margin-bottom:1.75rem;font-size:1rem}.calc-cta-actions{flex-direction:column;gap:.75rem}.calc-cta-actions a{justify-content:center;width:100%;padding:13px 20px;font-size:14px}.assump-item{font-size:12px}.gold-divider{margin:1.25rem 0}}@media (max-width:380px){.calc-hero-section{padding:4rem .875rem 2.5rem}.calc-intro h1{font-size:1.35rem}.calc-screen-header{padding:4rem .875rem 1.5rem}.calc-main{padding:1rem .875rem 2rem}.calc-gate-section{padding:1.25rem .875rem 2rem}.calc-gate-card{padding:1.25rem 1rem}.calc-metrics{grid-template-columns:1fr 1fr;gap:6px}.calc-metric .mval{font-size:19px}.persona-grid{grid-template-columns:repeat(2,1fr);gap:6px}}