@font-face{font-family:Rubik;font-style:normal;font-weight:400;font-display:swap;src:url(../fonts/rubik-latin-400-normal.woff2) format("woff2")}@font-face{font-family:Rubik;font-style:normal;font-weight:500;font-display:swap;src:url(../fonts/rubik-latin-500-normal.woff2) format("woff2")}@font-face{font-family:Rubik;font-style:normal;font-weight:600;font-display:swap;src:url(../fonts/rubik-latin-600-normal.woff2) format("woff2")}@font-face{font-family:Rubik;font-style:normal;font-weight:700;font-display:swap;src:url(../fonts/rubik-latin-700-normal.woff2) format("woff2")}@font-face{font-family:Rubik;font-style:normal;font-weight:800;font-display:swap;src:url(../fonts/rubik-latin-800-normal.woff2) format("woff2")}:root{--neu-blue: #25303b;--neu-cyan: #00a8d7;--neu-teal: #3ac5c6;--neu-yellow: #d7df23;--bg: #ffffff;--surface: #f5f8fa;--surface-2: #eaf0f4;--text: #25303b;--text-muted: #54606c;--heading: #25303b;--figure: #25303b;--slider-fill: var(--neu-cyan);--control-border: #66727e;--divider: #dbe2e8;--focus: #25303b;--accent: #00a8d7;--highlight: #d7df23;--selected-border: #00a8d7;--selected-bg: rgba(0, 168, 215, .09);--button-bg: #25303b;--button-text: #ffffff;--link: #25303b;--table-head: #eef3f6;--font-display: "Rubik", "Trebuchet MS", "Lucida Grande", Tahoma, sans-serif;--font-body: "Rubik", "Trebuchet MS", "Lucida Grande", Tahoma, sans-serif;--content-width: 640px;color-scheme:light}@media (prefers-color-scheme: dark){:root:not([data-theme=light]){--bg: #15181d;--surface: #1e242c;--surface-2: #262f3a;--text: #e7ebee;--text-muted: #a6b0ba;--heading: #f2f5f7;--figure: #00a8d7;--control-border: #59636f;--divider: #333d49;--focus: #00a8d7;--accent: #3ac5c6;--highlight: #d7df23;--selected-border: #00a8d7;--selected-bg: rgba(0, 168, 215, .16);--button-bg: #00a8d7;--button-text: #15181d;--link: #00a8d7;--table-head: #242d38;color-scheme:dark}}:root[data-theme=dark]{--bg: #15181d;--surface: #1e242c;--surface-2: #262f3a;--text: #e7ebee;--text-muted: #a6b0ba;--heading: #f2f5f7;--figure: #00a8d7;--control-border: #59636f;--divider: #333d49;--focus: #00a8d7;--accent: #3ac5c6;--highlight: #d7df23;--selected-border: #00a8d7;--selected-bg: rgba(0, 168, 215, .16);--button-bg: #00a8d7;--button-text: #15181d;--link: #00a8d7;--table-head: #242d38;color-scheme:dark}*,*:before,*:after{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{margin:0;background:var(--bg);color:var(--text);font-family:var(--font-body);font-size:1.0625rem;line-height:1.55;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}.container{width:100%;max-width:var(--content-width);margin:0 auto;padding:0 1.25rem}h1,h2,h3{font-family:var(--font-display);color:var(--heading);line-height:1.2;margin:0}p{margin:0 0 1rem}a{color:var(--link);text-underline-offset:.15em}strong{font-weight:600}.visually-hidden{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.skip-link{position:absolute;left:.5rem;top:-3rem;z-index:10;background:var(--button-bg);color:var(--button-text);padding:.6rem 1rem;text-decoration:none;transition:top .15s ease}.skip-link:focus{top:.5rem}:focus-visible{outline:3px solid var(--focus);outline-offset:2px}.button--secondary{font-family:var(--font-body);font-size:1rem;font-weight:700;color:var(--button-bg);background:transparent;border:3px solid var(--button-bg);padding:.7rem 1.5rem;cursor:pointer}.button--secondary:hover{background:var(--button-bg);color:var(--button-text)}.site-header{padding:1.25rem 0;border-bottom:1px solid var(--divider)}.header-inner{display:flex;align-items:center;justify-content:space-between;gap:1rem}.logo{height:48px;width:auto;display:block}.logo--white{display:none}:root[data-theme=dark] .logo--dark{display:none}:root[data-theme=dark] .logo--white{display:block}@media (prefers-color-scheme: dark){:root:not([data-theme=light]) .logo--dark{display:none}:root:not([data-theme=light]) .logo--white{display:block}}.theme-toggle{font-size:.9rem;font-weight:600;border-width:2px;padding:.5rem 1rem;min-height:40px}.print-header{display:none}.page-title{font-size:clamp(1.9rem,6vw,2.6rem);font-weight:800;margin:2rem 0 1rem;letter-spacing:-.01em}.page-title:after{content:"";display:block;width:68px;height:6px;margin-top:.9rem;background:var(--highlight)}.intro{font-size:1.125rem;color:var(--text-muted);max-width:54ch}.noscript-note{background:var(--surface);border:1.5px solid var(--control-border);padding:1rem 1.1rem;color:var(--text)}.calculator{margin:2rem 0;display:flex;flex-direction:column;gap:1.75rem}.field{border:0;padding:0;margin:0;min-width:0}.field[disabled]{opacity:.45}.field__label{font-family:var(--font-display);font-weight:700;font-size:1.2rem;color:var(--heading);padding:0;margin-bottom:.35rem}.field__help{color:var(--text-muted);font-size:.975rem;margin:0 0 .85rem;max-width:52ch}.field__error{color:var(--text);font-weight:600;font-size:.95rem;margin:.5rem 0 0}.field__error:before{content:"⚠ "}.trust-cards{display:grid;grid-template-columns:1fr;gap:.85rem}@media (min-width: 480px){.trust-cards{grid-template-columns:1fr 1fr}}.trust-card{position:relative;display:flex;flex-direction:column;gap:.25rem;padding:1.1rem 1.15rem 1.1rem 2.9rem;background:var(--surface);border:2px solid var(--control-border);cursor:pointer;min-height:84px}.trust-card input[type=radio]{position:absolute;left:1.05rem;top:1.25rem;width:20px;height:20px;accent-color:var(--neu-cyan);cursor:pointer}.trust-card__name{font-family:var(--font-display);font-weight:700;font-size:1.05rem;color:var(--heading)}.trust-card__hint{font-size:.9rem;color:var(--text-muted)}.trust-card:hover{border-color:var(--neu-cyan)}.trust-card:has(input:checked){border-color:var(--selected-border);background:var(--selected-bg);box-shadow:0 0 0 1px var(--selected-border)}.trust-card:focus-within{outline:3px solid var(--focus);outline-offset:2px}.select-wrap{position:relative;display:inline-block}.select-wrap:after{content:"";position:absolute;right:1rem;top:50%;width:.6rem;height:.6rem;border-right:2.5px solid var(--text-muted);border-bottom:2.5px solid var(--text-muted);transform:translateY(-70%) rotate(45deg);pointer-events:none}select,input[type=number]{font-family:var(--font-body);font-size:1.05rem;color:var(--text);background:var(--surface);border:1px solid var(--control-border);padding:0 1rem;min-height:3.125rem;width:100%;appearance:none;-webkit-appearance:none}select{padding-right:2.6rem;cursor:pointer}.start-date{display:grid;grid-template-columns:1fr 1fr;gap:.75rem}.start-date .select-wrap{display:block}.field--point .select-wrap{display:block;max-width:100%}.fte-control{display:flex;flex-direction:column;gap:.5rem}.fte-value{font-family:var(--font-display);font-weight:700;font-size:1.7rem;color:var(--figure);font-variant-numeric:tabular-nums;line-height:1}.fte-slider{-webkit-appearance:none;appearance:none;width:100%;margin:.5rem 0;background:transparent;cursor:pointer}.fte-slider::-webkit-slider-runnable-track{height:12px;background:linear-gradient(to right,var(--slider-fill) 0 var(--fte-fill, 100%),var(--surface-2) var(--fte-fill, 100%) 100%)}.fte-slider::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:28px;height:28px;margin-top:-8px;border-radius:50%;background:var(--slider-fill);border:3px solid var(--bg);box-shadow:0 1px 4px #0000004d;cursor:pointer}.fte-slider::-moz-range-track{height:12px;background:var(--surface-2)}.fte-slider::-moz-range-progress{height:12px;background:var(--slider-fill)}.fte-slider::-moz-range-thumb{width:28px;height:28px;border:3px solid var(--bg);border-radius:50%;background:var(--slider-fill);box-shadow:0 1px 4px #0000004d;cursor:pointer}.fte-ends{display:flex;justify-content:space-between;font-size:.85rem;color:var(--text-muted)}.result{margin:2.5rem 0 1rem;padding:2rem 1.5rem;background:var(--surface);border:1px solid var(--divider);text-align:center}.result__eyebrow{font-family:var(--font-display);font-weight:700;text-transform:uppercase;letter-spacing:.08em;font-size:.85rem;color:var(--text-muted);margin:0 0 .4rem}.result__figure{font-family:var(--font-display);font-weight:700;font-size:clamp(2.8rem,13vw,4.6rem);line-height:1;color:var(--figure);margin:.2rem 0;letter-spacing:-.02em}.result__sub{font-size:1.1rem;color:var(--text);margin:.4rem auto 0;max-width:40ch}.result__note{font-size:.95rem;color:var(--text-muted);margin:.75rem auto 0;max-width:46ch}.result__agitate{font-family:var(--font-display);font-weight:500;font-size:1.2rem;line-height:1.45;color:var(--text);max-width:44ch;margin:1.75rem auto .5rem;padding-top:1.5rem;border-top:1px solid var(--divider)}.result__agitate--solo{margin:.75rem auto 0;padding-top:0;border-top:0}.result__agitate--solo+.result__agitate--solo{margin-top:1rem}.breakdown{margin-top:1.75rem;text-align:left}.breakdown__heading{font-size:1.25rem;margin-bottom:.75rem}.table-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch;border:1px solid var(--divider)}.breakdown__table{width:100%;border-collapse:collapse;font-size:.95rem;font-variant-numeric:tabular-nums}.breakdown__table th,.breakdown__table td{padding:.7rem .85rem;text-align:left;border-bottom:1px solid var(--divider);white-space:nowrap}.breakdown__table thead th{background:var(--table-head);font-family:var(--font-body);font-weight:600;font-size:.85rem;color:var(--text);vertical-align:bottom}.breakdown__table tbody th{font-weight:600}.breakdown__table .num{text-align:right}.breakdown__table tfoot th,.breakdown__table tfoot td{border-bottom:0;border-top:2px solid var(--control-border);font-weight:700;background:var(--surface-2)}.result__total-cell{color:var(--figure);font-family:var(--font-display)}.how{margin-top:1.5rem;text-align:left;border-top:1px solid var(--divider);padding-top:1rem}.how__summary{font-family:var(--font-display);font-weight:700;font-size:1.05rem;cursor:pointer;color:var(--heading);padding:.3rem 0}.how__body{margin-top:.75rem;color:var(--text-muted);font-size:.975rem}.how__body p:last-child{margin-bottom:0}.result__actions{margin-top:1.5rem;padding-top:1.25rem;border-top:1px solid var(--divider)}.result__actions .result__note{margin-top:.85rem}.caveats{margin:2rem 0}.caveats__heading{font-size:1.3rem;margin-bottom:.9rem}.caveats__list{margin:0 0 1.75rem;padding:0;list-style:none;display:flex;flex-direction:column;gap:.75rem}.caveats__list li{position:relative;padding-left:1.6rem;color:var(--text-muted)}.caveats__list li:before{content:"";position:absolute;left:0;top:.6em;width:8px;height:8px;background:var(--neu-cyan)}.cta{background:var(--surface);border:1px solid var(--divider);border-left:8px solid var(--neu-yellow);padding:1.5rem}.cta__text{font-family:var(--font-display);font-weight:600;font-size:1.15rem;color:var(--text);margin-bottom:1.1rem}.cta__button{display:inline-flex;align-items:center;justify-content:center;background:var(--button-bg);color:var(--button-text);font-weight:700;font-size:1.25rem;line-height:1.2;text-decoration:none;padding:.91rem 2rem;border:3px solid transparent}.cta__button:hover,.cta__button:focus-visible{background:transparent;border-color:var(--button-bg);color:var(--button-bg)}.site-footer{border-top:1px solid var(--divider);padding:2rem 0 3rem;margin-top:1rem}.privacy-note{color:var(--text-muted);font-size:.95rem;max-width:60ch}.footer-meta{color:var(--text-muted);font-size:.875rem;margin:0}@media (prefers-reduced-motion: reduce){*{transition:none!important;scroll-behavior:auto!important}}@media print{:root,:root[data-theme=dark]{--bg: #ffffff;--surface: #ffffff;--surface-2: #ffffff;--text: #25303b;--text-muted: #3f4a55;--heading: #25303b;--figure: #25303b;--control-border: #66727e;--divider: #b3bec7;--link: #25303b;--table-head: #ffffff;color-scheme:light}@page{margin:15mm}body{background:#fff;font-size:10.5pt;line-height:1.45}.container{max-width:none;padding:0}.skip-link,.site-header,.noscript-note,.calculator,.result__actions,.page-title,.intro{display:none!important}.print-header{display:flex;align-items:center;gap:.75rem;margin-bottom:1.5rem;padding-bottom:.75rem;border-bottom:2px solid var(--control-border)}.print-header__logo{height:38px;width:auto}.print-header__title{font-family:var(--font-display);font-weight:700;font-size:1.15rem;color:var(--heading);margin:0}.print-header__meta{font-size:.85rem;color:var(--text-muted);margin:0 0 0 auto;white-space:nowrap}.result{margin:0 0 1.5rem;padding:0;border:0}.result__figure{font-size:3.2rem;break-after:avoid}.result__agitate{display:none!important}.result__agitate--solo{display:block!important}.breakdown{margin-top:1.5rem;padding-top:1.25rem;border-top:1px solid var(--divider)}.table-scroll{overflow:visible;border:0}.breakdown__table thead{display:table-header-group}.breakdown__table thead th{border-bottom:2px solid var(--control-border)}.breakdown__table tr{break-inside:avoid}.how__summary{cursor:auto;list-style:none}.how__summary::-webkit-details-marker{display:none}.caveats__list li:before{content:"•";background:none;width:auto;height:auto;top:0;left:.35rem;color:var(--text);font-size:1rem}.caveats__list li,.cta{break-inside:avoid}.breakdown__heading,.caveats__heading,.how__summary{break-after:avoid}.cta{padding:.9rem 0 .9rem 1rem}.cta__text{font-size:1rem;margin-bottom:.5rem}.cta__button{display:inline;background:none;color:var(--text);border:0;padding:0;min-height:0;line-height:inherit;font-size:1rem;text-decoration:underline}.cta__button:after{content:" — " attr(href);text-decoration:none}.site-footer{margin-top:1.25rem;padding:.75rem 0 0}.privacy-note,.footer-meta{font-size:.8rem}}