:root{--font:system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, "Noto Sans", sans-serif;--mono:ui-monospace, "SF Mono", Menlo, Consolas, monospace;--bg:#f6f7f4;--surface:#fff;--surface-2:#eef1ec;--text:#17211d;--muted:#55645d;--line:#d9dfd8;--accent:#0b6b5a;--accent-strong:#08574a;--accent-soft:#dff1ec;--on-accent:#fff;--good:#1a7f4b;--warn:#9a5b00;--warn-soft:#fff1d6;--bad:#b3261e;--bad-soft:#fde4e1;--focus:#1b5fd6;--shadow:0 1px 2px #1020180f, 0 8px 24px #1020180f;--radius:.875rem;--radius-sm:.5rem;--gutter:1rem;--measure:46rem;--wide:68rem;--lightningcss-light:initial;--lightningcss-dark: ;color-scheme:light}:root[data-theme=dark]{--bg:#0e1512;--surface:#16201b;--surface-2:#1d2924;--text:#e8efea;--muted:#9bada3;--line:#2a3832;--accent:#4cc2a8;--accent-strong:#7fd8c3;--accent-soft:#163a31;--on-accent:#07211b;--good:#5fd596;--warn:#f0b24a;--warn-soft:#3a2c10;--bad:#ff8a80;--bad-soft:#3d1c19;--focus:#8ab4ff;--shadow:0 1px 2px #0000004d, 0 8px 24px #0000004d;--lightningcss-light: ;--lightningcss-dark:initial;color-scheme:dark}@media (prefers-color-scheme:dark){:root:not([data-theme=light]){--bg:#0e1512;--surface:#16201b;--surface-2:#1d2924;--text:#e8efea;--muted:#9bada3;--line:#2a3832;--accent:#4cc2a8;--accent-strong:#7fd8c3;--accent-soft:#163a31;--on-accent:#07211b;--good:#5fd596;--warn:#f0b24a;--warn-soft:#3a2c10;--bad:#ff8a80;--bad-soft:#3d1c19;--focus:#8ab4ff;--shadow:0 1px 2px #0000004d, 0 8px 24px #0000004d;--lightningcss-light: ;--lightningcss-dark:initial;color-scheme:dark}}*,:before,:after{box-sizing:border-box}html{-webkit-text-size-adjust:100%;-moz-text-size-adjust:100%;text-size-adjust:100%}body{background:var(--bg);color:var(--text);font:1rem/1.55 var(--font);-webkit-font-smoothing:antialiased;margin:0}h1,h2,h3{letter-spacing:-.01em;margin:0 0 .5rem;line-height:1.2}h1{font-size:clamp(1.75rem,1.2rem + 2.4vw,2.75rem);font-weight:750}h2{font-size:1.35rem;font-weight:700}h3{font-size:1.05rem;font-weight:650}p{margin:0 0 .75rem}a{color:var(--accent-strong);text-underline-offset:.18em}:focus-visible{outline:3px solid var(--focus);outline-offset:2px;border-radius:4px}.sr-only{clip-path:inset(50%);white-space:nowrap;width:1px;height:1px;margin:-1px;position:absolute;overflow:hidden}.skip-link{z-index:100;background:var(--surface);color:var(--text);border-radius:var(--radius-sm);box-shadow:var(--shadow);padding:.5rem .75rem;position:absolute;top:-4rem;left:.5rem}.skip-link:focus{top:.5rem}.shell{flex-direction:column;min-height:100dvh;display:flex}.site-header{z-index:20;background:color-mix(in srgb, var(--bg) 88%, transparent);-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);border-bottom:1px solid var(--line);position:sticky;top:0}@media (max-width:40rem){.site-header{position:static}}.site-header .inner{max-width:var(--wide);padding:.6rem var(--gutter);flex-wrap:wrap;align-items:center;gap:.75rem;margin:0 auto;display:flex}.brand{letter-spacing:-.01em;color:var(--text);align-items:center;gap:.5rem;margin-right:auto;font-weight:750;text-decoration:none;display:inline-flex}.brand-mark{background:linear-gradient(135deg, var(--accent), var(--accent-strong));border-radius:.45rem;width:1.6rem;height:1.6rem;display:inline-block}.site-nav{flex-wrap:wrap;gap:.25rem;display:flex}.site-nav a{color:var(--muted);border-radius:999px;padding:.4rem .7rem;font-size:.95rem;font-weight:600;text-decoration:none}.site-nav a:hover{color:var(--text);background:var(--surface-2)}.site-nav a[aria-current=page]{color:var(--accent-strong);background:var(--accent-soft)}.header-tools{align-items:center;gap:.5rem;display:flex}main{width:100%;max-width:var(--wide);padding:1.5rem var(--gutter) 3rem;flex:1;margin:0 auto}.narrow{max-width:var(--measure);margin-inline:auto}.site-footer{border-top:1px solid var(--line);color:var(--muted);font-size:.875rem}.site-footer .inner{max-width:var(--wide);padding:1.25rem var(--gutter);gap:.5rem;margin:0 auto;display:grid}.site-footer .links{flex-wrap:wrap;gap:1rem;display:flex}.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:1.25rem}.card+.card,.stack>*+*{margin-top:1rem}.lead{color:var(--muted);max-width:40rem;font-size:1.125rem}.eyebrow{color:var(--accent-strong);letter-spacing:.08em;text-transform:uppercase;margin-bottom:.5rem;font-size:.8125rem;font-weight:700}.btn{appearance:none;border:1px solid var(--line);background:var(--surface);color:var(--text);font:inherit;cursor:pointer;border-radius:999px;justify-content:center;align-items:center;gap:.5rem;min-height:2.75rem;padding:.7rem 1.1rem;font-weight:650;text-decoration:none;transition:background .15s,border-color .15s,transform 50ms;display:inline-flex}.btn:hover:not(:disabled){background:var(--surface-2)}.btn:active:not(:disabled){transform:translateY(1px)}.btn:disabled{opacity:.55;cursor:not-allowed}.btn-primary{background:var(--accent);border-color:var(--accent);color:var(--on-accent)}.btn-primary:hover:not(:disabled){background:var(--accent-strong);border-color:var(--accent-strong)}.btn-quiet{color:var(--muted);background:0 0;border-color:#0000}.btn-small{min-height:2.25rem;padding:.35rem .8rem;font-size:.9rem}.btn-row{flex-wrap:wrap;align-items:center;gap:.75rem;display:flex}.select,.input{font:inherit;color:var(--text);background:var(--surface);border:1px solid var(--line);border-radius:var(--radius-sm);width:100%;min-height:2.75rem;padding:.65rem .75rem}.select-compact{width:auto;min-height:2.25rem;padding:.3rem .5rem}.input:hover,.select:hover{border-color:color-mix(in srgb, var(--accent) 45%, var(--line))}.input[aria-invalid=true]{border-color:var(--bad)}.field{gap:.35rem;display:grid}.field>label,.field>.label{font-weight:650}.hint{color:var(--muted);margin:0;font-size:.875rem}.field-error{color:var(--bad);margin:0;font-size:.875rem}.input-group{align-items:stretch;display:flex}.input-group .input{border-top-right-radius:0;border-bottom-right-radius:0}.input-group .suffix{border:1px solid var(--line);border-radius:0 var(--radius-sm) var(--radius-sm) 0;background:var(--surface-2);color:var(--muted);white-space:nowrap;border-left:0;align-items:center;padding:0 .75rem;display:inline-flex}.form-grid{gap:1rem;display:grid}@media (min-width:40rem){.form-grid.two{grid-template-columns:1fr 1fr}}.segmented{border:1px solid var(--line);background:var(--surface-2);border-radius:999px;flex-wrap:wrap;gap:.2rem;padding:.2rem;display:inline-flex}.segmented label{cursor:pointer;position:relative}.segmented input{opacity:0;cursor:pointer;margin:0;position:absolute;inset:0}.segmented span{border-radius:999px;min-height:2.25rem;padding:.45rem .95rem;font-weight:600;line-height:1.5;display:inline-block}.segmented input:checked+span{background:var(--surface);color:var(--accent-strong);box-shadow:0 1px 3px #00000026}.segmented input:focus-visible+span{outline:3px solid var(--focus);outline-offset:1px}.check{align-items:flex-start;gap:.6rem;display:flex}.check input{width:1.25rem;height:1.25rem;accent-color:var(--accent);margin-top:.2rem}.banner{border-radius:var(--radius);border:1px solid var(--line);background:var(--surface);padding:.85rem 1rem}.banner-info{background:var(--accent-soft);border-color:#0000}.banner-warn{background:var(--warn-soft);color:var(--warn);border-color:#0000}.banner-error{background:var(--bad-soft);color:var(--bad);border-color:#0000}.privacy-note{flex-wrap:wrap;justify-content:space-between;align-items:center;gap:1rem;margin-bottom:1rem;display:flex}.stats{grid-template-columns:repeat(auto-fit,minmax(12rem,1fr));gap:.75rem;display:grid}.stat{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:1rem 1.1rem}.stat .label{color:var(--muted);font-size:.875rem;font-weight:600}.stat .value{letter-spacing:-.02em;font-variant-numeric:tabular-nums;font-size:clamp(1.5rem,1.1rem + 1.6vw,2.1rem);font-weight:750}.stat.is-gap .value{color:var(--bad)}.stat.is-surplus .value{color:var(--good)}.stat .note{color:var(--muted);font-size:.8125rem}.verdict{font-size:1.25rem;font-weight:650;line-height:1.35}.skeleton{border-radius:var(--radius-sm);background:linear-gradient(90deg, var(--surface-2) 25%, var(--line) 37%, var(--surface-2) 63%);background-size:400% 100%;min-height:1.25rem;animation:1.4s infinite shimmer;display:block}@keyframes shimmer{0%{background-position:100%}to{background-position:0}}.progress{flex-wrap:wrap;gap:.35rem;margin:0 0 1.25rem;padding:0;list-style:none;display:flex}.progress li a{color:var(--muted);border:1px solid var(--line);background:var(--surface);border-radius:999px;align-items:center;gap:.4rem;padding:.35rem .8rem;font-size:.9rem;font-weight:600;text-decoration:none;display:inline-flex}.progress li a[aria-current=step]{color:var(--on-accent);background:var(--accent);border-color:var(--accent)}.strip{z-index:10;margin:1.5rem calc(var(--gutter) * -1) -3rem;padding:.75rem var(--gutter) calc(.75rem + env(safe-area-inset-bottom));background:color-mix(in srgb, var(--surface) 94%, transparent);-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);border-top:1px solid var(--line);position:sticky;bottom:0}.strip .inner{max-width:var(--measure);flex-wrap:wrap;justify-content:space-between;align-items:center;gap:1rem;margin:0 auto;display:flex}.strip .figure{font-variant-numeric:tabular-nums;font-size:1.15rem;font-weight:750}.details-list{grid-template-columns:1fr auto;gap:.35rem 1rem;margin:0;display:grid}.details-list dt{color:var(--muted)}.details-list dd{font-variant-numeric:tabular-nums;text-align:right;margin:0;font-weight:650}details.disclosure{border:1px solid var(--line);border-radius:var(--radius);background:var(--surface);padding:.25rem 1rem}details.disclosure>summary{cursor:pointer;min-height:2.75rem;padding:.75rem 0;font-weight:650}details.disclosure>.disclosure-body{padding-bottom:.75rem}details.disclosure[open]>summary{border-bottom:1px solid var(--line);margin-bottom:.75rem}.chart-box{width:100%;height:20rem}.hero{padding:1rem 0 .5rem}.cols{gap:1rem;display:grid}@media (min-width:56rem){.cols.two{grid-template-columns:1.1fr .9fr;align-items:start}}.print-only{display:none}@media (prefers-reduced-motion:reduce){*,:before,:after{scroll-behavior:auto!important;transition-duration:.001ms!important;animation-duration:.001ms!important;animation-iteration-count:1!important}}@media print{.site-header,.site-footer .links,.strip,.btn,.privacy-note{display:none!important}.print-only{display:block}body{color:#000;background:#fff}.card,.stat{box-shadow:none}}main:focus{outline:none}.curve{width:100%;height:auto;max-height:16rem;display:block}.curve-area{fill:var(--accent-soft)}.curve-line{fill:none;stroke:var(--accent);stroke-width:2.5px}.curve-axis{stroke:var(--line);stroke-width:1px}.curve-average{stroke:var(--muted);stroke-width:2px;stroke-dasharray:5 4}.curve-user{stroke-width:3.5px}.curve-user.is-above{stroke:var(--good)}.curve-user.is-below{stroke:var(--bad)}.curve-label-user.is-above{fill:var(--good)}.curve-label-user.is-below{fill:var(--bad)}.curve-label{fill:var(--muted);font-size:15px;font-weight:650}.slider-head{justify-content:space-between;align-items:baseline;gap:1rem;display:flex}.slider-head label{font-weight:650}.slider-value{font-variant-numeric:tabular-nums;color:var(--accent-strong);font-weight:750}.slider{width:100%;min-height:2.25rem;accent-color:var(--accent);cursor:pointer}.assumptions{border-top:1px solid var(--line);padding-top:1rem}.help{display:inline}.help-btn{appearance:none;border:1px solid var(--line);background:var(--surface);width:1.5rem;height:1.5rem;color:var(--accent-strong);font:inherit;cursor:pointer;vertical-align:middle;border-radius:50%;justify-content:center;align-items:center;margin-left:.4rem;padding:0;font-size:.8rem;font-weight:750;line-height:1;display:inline-flex}.help-btn:hover,.help-btn[aria-expanded=true]{background:var(--accent-soft)}.help-panel{border-radius:var(--radius-sm);background:var(--accent-soft);color:var(--text);text-align:left;margin-top:.5rem;padding:.75rem .9rem;font-size:.9rem;font-weight:400;line-height:1.5;display:block}.help-entry{display:block}.help-entry+.help-entry{margin-top:.6rem}.help-entry>strong{display:block}.help-link{margin-top:.5rem;font-weight:650;display:inline-block}.glossary-entry{scroll-margin-top:5rem}.table{border-collapse:collapse;font-variant-numeric:tabular-nums;width:100%}.table th,.table td{border-bottom:1px solid var(--line);text-align:right;padding:.5rem .6rem}.table th[scope=row],.table thead th:first-child{text-align:left;font-weight:500}.table thead th{color:var(--muted);font-size:.85rem;font-weight:650}.table tfoot th,.table tfoot td{border-bottom:0;font-weight:750}.plain-list{gap:.5rem;margin:0;padding-left:1.2rem;display:grid}:root{--header-h:3.6rem}.jumpnav{top:var(--header-h);z-index:15;scrollbar-width:none;margin:0 calc(var(--gutter) * -1);padding:.5rem var(--gutter);background:color-mix(in srgb, var(--bg) 92%, transparent);-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);border-bottom:1px solid var(--line);gap:.4rem;display:flex;position:sticky;overflow-x:auto}.jumpnav::-webkit-scrollbar{display:none}.jumpnav a{border:1px solid var(--line);background:var(--surface);color:var(--muted);white-space:nowrap;border-radius:999px;flex:none;padding:.4rem .9rem;font-size:.9rem;font-weight:650;text-decoration:none}.jumpnav a:hover{color:var(--text)}.jumpnav a[aria-current=location]{color:var(--on-accent);background:var(--accent);border-color:var(--accent)}.jump-target{scroll-margin-top:calc(var(--header-h) + 3.6rem)}.jump-target:focus{outline:none}@media (max-width:40rem){:root{--header-h:0rem}.jump-target{scroll-margin-top:4rem}}@media print{.jumpnav{display:none!important}@page{size:A4;margin:14mm}:root,:root[data-theme=dark],:root:not([data-theme=light]){--bg:#fff;--surface:#fff;--surface-2:#f2f2f2;--text:#111;--muted:#444;--line:#aaa;--accent:#0b6b5a;--accent-strong:#08574a;--accent-soft:#fff;--good:#14653b;--bad:#a1211a;--lightningcss-light:initial;--lightningcss-dark: ;color-scheme:light}html{font-size:10.5pt}body,main{color:#111;background:#fff}main{max-width:none;padding:0}.jumpnav,.help,.assumptions,.skeleton,.skip-link,[role=radiogroup],.site-header .tools,.banner-info.privacy-note{display:none!important}a{color:inherit;text-decoration:none}.plain-list a[href^="https://"]:after{content:" (" attr(href) ")";overflow-wrap:anywhere;font-size:.8em}.card,.stat,details.disclosure{box-shadow:none;border-color:#999}.card,.stat,.stats,.table tr,.curve{break-inside:avoid}#details,#details details{break-inside:auto}h1,h2,h3{break-after:avoid}.chart-box canvas{max-width:100%!important;height:auto!important}.curve-area,.stat .value,.curve-user{-webkit-print-color-adjust:exact;-moz-print-color-adjust:exact;print-color-adjust:exact}.print-summary .details-list{grid-template-columns:1fr auto}.site-footer{border-top:1px solid #999;margin-top:1rem}}.delta{font-variant-numeric:tabular-nums;font-weight:700}.delta.is-better{color:var(--good)}.delta.is-worse{color:var(--bad)}.progress li a[aria-current=page]{color:var(--on-accent);background:var(--accent);border-color:var(--accent)}.tablist{border-bottom:1px solid var(--line);scrollbar-width:none;gap:.25rem;display:flex;overflow-x:auto}.tablist button{appearance:none;color:var(--muted);font:inherit;cursor:pointer;white-space:nowrap;background:0 0;border:0;border-bottom:3px solid #0000;min-height:2.75rem;padding:.6rem .9rem;font-weight:650}.tablist button[aria-selected=true]{color:var(--accent-strong);border-bottom-color:var(--accent)}.tabpanel{padding-top:1rem}.tabpanel:focus-visible{outline-offset:4px}.barrows{gap:1rem;margin:0;padding:0;list-style:none;display:grid}.barrow{gap:.3rem;display:grid}.barrow-label{font-weight:650}.barrow-track{background:var(--surface-2);border-radius:.55rem;height:1.1rem;position:relative;overflow:hidden}.barrow-bar{position:absolute;top:0;bottom:0}.barrow-bar.tone-good{background:var(--good)}.barrow-bar.tone-bad{background:var(--bad)}.barrow-bar.tone-neutral{background:var(--accent)}.barrow-marker{background:var(--text);opacity:.7;width:2px;position:absolute;top:-2px;bottom:-2px}.barrow-text{color:var(--muted);font-variant-numeric:tabular-nums;flex-wrap:wrap;gap:.25rem 1.25rem;font-size:.9rem;display:flex}.table-text th,.table-text td{text-align:left}.table-text .cell-text{color:var(--muted);min-width:14rem;font-size:.9rem}@media (max-width:40rem){.table-text{display:block;overflow-x:auto}}@media print{.barrow-track{border:1px solid #999}.barrow-bar{-webkit-print-color-adjust:exact;-moz-print-color-adjust:exact;print-color-adjust:exact}.tablist{display:none}}.hist{width:100%;height:auto;max-height:16rem;display:block}.hist-bar{fill:var(--accent);opacity:.75}.hist-axis{stroke:var(--line)}.hist-baseline{stroke:var(--text);stroke-width:2.5px}.hist-p{stroke:var(--muted);stroke-width:2px;stroke-dasharray:2 4}.hist-median{stroke:var(--warn);stroke-width:2px;stroke-dasharray:8 5}.hist-label{fill:var(--muted);font-size:13px;font-weight:600}.prose>*+*{margin-top:1rem}.prose h2,.prose h3{margin-top:2rem}.prose ul{gap:.35rem;padding-left:1.25rem;display:grid}.prose code{background:var(--surface-2);border-radius:.25rem;padding:.05rem .3rem;font-size:.9em}.prose table{width:100%}details.disclosure>.prose{padding-bottom:.75rem}.fieldset{border:1px solid var(--line);border-radius:var(--radius-sm);gap:.5rem;margin:0;padding:.75rem 1rem 1rem;display:grid}.fieldset legend{padding:0 .4rem;font-weight:600}.event-list{gap:.5rem;margin:0;padding:0;list-style:none;display:grid}.event-list li{background:var(--surface-2);border-radius:var(--radius-sm);justify-content:space-between;align-items:center;gap:1rem;padding:.5rem .75rem;display:flex}.lifeline{gap:.5rem;display:grid}.lifeline-lane{grid-template-columns:5rem 1fr;align-items:center;gap:.75rem;display:grid}.lifeline-name{color:var(--muted);font-size:.9rem;font-weight:600}.lifeline-track{background:var(--surface-2);border-radius:.4rem;height:1.6rem;position:relative;overflow:hidden}.life-band{background:var(--accent);border-radius:.25rem;position:absolute;top:.2rem;bottom:.2rem}.life-band[data-type=sabbatical]{background:var(--warn)}.life-band[data-type=child]{background:var(--good)}.life-band[data-type=retire_early],.life-band[data-type=retire_late]{background:var(--bad)}.lifeline-axis{height:1.2rem;color:var(--muted);font-variant-numeric:tabular-nums;margin-left:5.75rem;font-size:.8rem;position:relative}.lifeline-axis span{position:absolute;transform:translate(-50%)}.linechart{width:100%;height:auto;max-height:14rem;display:block}.line-a{stroke:var(--muted);stroke-width:2.5px;stroke-dasharray:7 5}.line-b{stroke:var(--accent);stroke-width:3px}.line-c{stroke:var(--warn);stroke-width:2.5px;stroke-dasharray:2 5}.line-guide{stroke:var(--line);stroke-width:2px;stroke-dasharray:2 4}.swatch-line-a{border-top:3px dashed var(--muted);height:0}.swatch-line-c{border-top:3px dotted var(--warn);height:0}.swatch-line-b{border-top:3px solid var(--accent);height:0}@media print{.life-band{-webkit-print-color-adjust:exact;-moz-print-color-adjust:exact;print-color-adjust:exact}}.legend{color:var(--muted);flex-wrap:wrap;gap:.4rem 1.25rem;margin:0;padding:0;font-size:.9rem;list-style:none;display:flex}.legend li{align-items:center;gap:.4rem;display:inline-flex}.swatch{width:1.4rem;height:.7rem;display:inline-block}.swatch-bar{background:var(--accent);opacity:.75}.swatch-baseline{border-top:3px solid var(--text);height:0}.swatch-p{border-top:2px dotted var(--muted);height:0}.swatch-median{border-top:2px dashed var(--warn);height:0}@media print{.hist-bar,.swatch-bar{-webkit-print-color-adjust:exact;-moz-print-color-adjust:exact;print-color-adjust:exact}}