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.tc-sub{font-size:13px;line-height:1.5;color:var(--text-light);margin-top:4px;position:relative;z-index:1}.tc-field{margin-top:22px;position:relative;z-index:1}.tc-field:first-of-type{margin-top:26px}.tc-field .f-label{font-size:11.5px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--text-light);display:flex;justify-content:space-between;align-items:baseline}.tc-field .f-label output{font-family:var(--serif);font-style:italic;font-size:16px;text-transform:none;letter-spacing:0;color:var(--ink);font-weight:600}.tc-field .f-input{width:100%;margin-top:9px;font-family:var(--sans);font-size:19px;font-weight:500;color:var(--ink);background:var(--paper-warm);border:1px solid transparent;border-radius:11px;padding:13px 15px;outline:none;text-align:right;transition:border-color .24s,background .24s,box-shadow .28s}.tc-field .f-input:focus{background:#fffdf7;border-color:var(--teal-mid);box-shadow:0 0 0 4px #5a7ac424}.tc-field 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button:hover{border-color:var(--teal-mid);color:var(--teal)}.tc-field .segs button[aria-pressed=true]{background:var(--ink);border-color:var(--ink);color:var(--cream)}.tc-out{margin-top:26px;padding-top:24px;border-top:1px dashed rgba(201,127,60,.4);position:relative;z-index:1}.tc-row{display:flex;justify-content:space-between;align-items:baseline;padding:9px 0}.tc-row .l{font-size:14px;color:var(--text-light)}.tc-row .v{font-family:var(--serif);font-size:18px;font-weight:500;color:var(--text)}.tc-row.total{margin-top:8px}.tc-row.total .l{font-family:var(--serif);font-style:italic;font-size:16.5px;color:var(--ink)}.tc-row.total .v{font-size:clamp(26px,2.8vw,34px);font-weight:600;color:var(--teal);letter-spacing:-.02em}.tc-note{margin-top:18px;font-family:var(--serif);font-style:italic;font-size:13px;color:var(--text-light);line-height:1.6;position:relative;z-index:1}.disclaimer{margin-top:28px;border-radius:13px;padding:18px 20px 18px 22px;position:relative;background:#fbf5e6b3;box-shadow:inset 0 0 0 1px #c97f3c38}.disclaimer:before{content:"";position:absolute;left:0;top:10px;bottom:10px;width:3px;border-radius:0 3px 3px 0;background:var(--ochre)}.disclaimer .ds-title{font-family:var(--serif);font-weight:500;font-size:13.5px;color:var(--ochre-deep);display:flex;align-items:center;gap:8px}.disclaimer .ds-title:before{content:"⚠";font-size:15px}.disclaimer p{font-size:12.8px;line-height:1.6;color:var(--text-light);margin-top:6px}.disclaimer a{color:var(--teal);text-decoration:underline;text-underline-offset:2px;text-decoration-color:#2a4b9b4d;transition:text-decoration-color .2s}.disclaimer a:hover{text-decoration-color:var(--teal)}.disclaimer.--inline{box-shadow:inset 0 0 0 1px #c97f3c38}.disclaimer.--inline:before{display:none}.cta-band{position:relative;overflow:hidden;border-radius:20px;padding:48px 50px 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30px;color:var(--cream);background:var(--ink);transition:background .28s var(--ease-soft),transform .28s var(--ease-soft)}.cta-btn:hover{background:var(--teal);transform:translateY(-3px)}.cta-btn.--outline{color:var(--ink);background:transparent;box-shadow:inset 0 0 0 1.6px #1a20302e}.cta-btn.--outline:hover{background:var(--ink);color:var(--cream);box-shadow:inset 0 0 0 1.6px var(--ink)}.cta-band.--dark{background:linear-gradient(135deg,var(--night),var(--ink));box-shadow:none}.cta-band.--dark .cta-tag{background:#fbf5e61f;color:var(--ochre-soft)}.cta-band.--dark h3{color:var(--cream)}.cta-band.--dark h3 em{color:var(--ochre-soft)}.cta-band.--dark .cta-sub{color:#fbf5e6b8}.cta-band.--dark .cta-btn{background:var(--cream);color:var(--ink)}.cta-band.--dark .cta-btn:hover{background:var(--ochre);color:#fff}.cta-band.--dark .cta-btn.--outline{color:var(--cream);box-shadow:inset 0 0 0 1.6px #fbf5e659}.cta-band.--dark .cta-btn.--outline:hover{background:var(--cream);color:var(--ink);box-shadow:inset 0 0 0 1.6px var(--cream)}.cta-band.--compact{padding:34px 40px}.cta-band.--compact h3{margin-top:0}.cta-band.--compact .cta-sub{display:none}.tool-split{position:relative;display:grid;grid-template-columns:1fr 1.05fr;gap:46px;align-items:center;margin-top:0}@media(max-width:1020px){.tool-split{grid-template-columns:1fr;gap:38px}}.tool-desc{position:relative}.tool-desc h2{font-family:var(--serif);font-weight:500;font-size:clamp(26px,3vw,34px);color:var(--ink);letter-spacing:-.015em}.tool-desc h2 em{font-style:italic;color:var(--teal)}.tool-desc .sub{font-size:15px;line-height:1.65;color:var(--text);margin-top:16px;max-width:520px}.tool-desc .features{list-style:none;margin-top:22px;display:grid;gap:12px}.tool-desc .features li{display:grid;grid-template-columns:22px 1fr;gap:12px;align-items:start;font-size:14px;line-height:1.5;color:var(--text)}.tool-desc .features li:before{content:"";width:20px;height:20px;margin-top:1px;border-radius:50%;background:#2a4b9b1a url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%232a4b9b' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l4 4L19 7'/%3E%3C/svg%3E") center/12px no-repeat}.tool-desc .tool-cta{margin-top:24px;display:inline-flex;align-items:center;gap:10px;font-family:var(--serif);font-style:italic;font-size:15px;color:var(--ink);text-decoration:none;padding:12px 24px;border-radius:9999px;box-shadow:inset 0 0 0 1.5px #1a203024;transition:background .28s,color .28s,box-shadow .28s}.tool-desc .tool-cta:hover{background:var(--ink);color:var(--cream);box-shadow:inset 0 0 0 1.5px var(--ink)}.tool-overlay{position:fixed;inset:0;z-index:100;background:#1a203099;backdrop-filter:blur(6px);-webkit-backdrop-filter:blur(6px);display:grid;place-items:center;opacity:0;pointer-events:none;transition:opacity .38s var(--ease-out);padding:24px}.tool-overlay.open{opacity:1;pointer-events:auto}.tool-overlay .to-panel{background:#fffdf7;border-radius:20px;max-width:720px;width:100%;max-height:90vh;overflow-y:auto;padding:36px 38px 38px;position:relative;transform:scale(.94) translateY(12px);transition:transform .38s var(--ease-out)}.tool-overlay.open .to-panel{transform:scale(1) translateY(0)}.tool-overlay .to-close{position:absolute;top:16px;right:18px;width:36px;height:36px;border:none;cursor:pointer;border-radius:50%;background:var(--paper-warm);color:var(--text-light);font-size:18px;display:grid;place-items:center;transition:background .2s,color .2s}.tool-overlay .to-close:hover{background:var(--ochre-soft);color:var(--ink)}.ink-bloom{animation:inkbloom .7s var(--ease-out)}@keyframes inkbloom{0%{opacity:0;filter:blur(7px);transform:scale(.96)}to{opacity:1;filter:blur(0);transform:scale(1)}}.calc-band{position:relative;overflow:hidden}.calc-band:before{content:"";position:absolute;inset:0;pointer-events:none;background:radial-gradient(ellipse 55% 45% at 18% 12%,rgba(107,127,212,.1) 0%,transparent 60%),radial-gradient(ellipse 50% 45% at 86% 88%,rgba(201,127,60,.1) 0%,transparent 62%)}.calc-band{padding:64px 0}.calc-split{position:relative;display:grid;grid-template-columns:1fr 1.05fr;gap:46px;align-items:center;margin-top:0}@media(max-width:1020px){.calc-split{grid-template-columns:1fr;gap:38px}}.calc-card{background:#fffdf7;border-radius:18px;padding:28px 32px 32px;position:relative;max-width:560px;justify-self:end;width:100%;box-shadow:0 30px 76px -26px #2a4b9b38,0 10px 26px -12px #1a203014}@media(max-width:640px){.calc-card{padding:28px 22px 32px}}.calc-card:before{content:"";position:absolute;inset:0;border-radius:20px;pointer-events:none;opacity:.5;background-image:repeating-radial-gradient(circle at 28% 18%,rgba(201,127,60,.035) 0,transparent 2.5px),repeating-radial-gradient(circle at 72% 64%,rgba(42,75,155,.035) 0,transparent 2.5px);background-size:15px 15px,19px 19px}.calc-card{background:var(--teal);max-width:540px;margin:0 auto;border-radius:18px;padding:28px 32px 32px}.calc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:16px}@media(max-width:640px){.calc-grid{grid-template-columns:1fr}}.calc-result-main{font-size:28px;font-weight:600;color:#fff}.calc-employer{color:var(--ochre);font-weight:600}.key-insight{position:relative;background:var(--cream);border-left:3px solid var(--ochre);border-radius:13px;padding:18px 20px 18px 22px;margin-top:22px;overflow:hidden}.key-insight:before{content:"";position:absolute;inset:0;pointer-events:none;opacity:.04;background-image:repeating-radial-gradient(circle at 24% 32%,var(--seal) 0,transparent 3px);background-size:16px 16px}.scenario-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:20px}@media(max-width:800px){.scenario-cards{grid-template-columns:1fr}}.scenario-card{background:var(--cream);border-radius:13px;padding:18px 20px;cursor:pointer;transition:transform .3s var(--ease-out),box-shadow .3s var(--ease-out)}.scenario-card:hover{transform:translateY(-4px);box-shadow:0 12px 32px -10px #1a203024}.accordion details{border-bottom:1px solid rgba(201,127,60,.2)}.accordion summary{font-size:14.5px;font-weight:500;color:var(--ink);cursor:pointer;padding:12px 0;list-style:none;display:flex;align-items:center;justify-content:space-between}.accordion summary::-webkit-details-marker{display:none}.accordion summary:after{content:"+";font-size:16px;color:var(--ochre);transition:transform .28s}.accordion details[open] summary:after{content:"–"}.accordion .faq-answer{font-size:13.5px;line-height:1.6;color:var(--text);padding:0 0 14px}.faq-item{border-bottom:1px solid rgba(201,127,60,.15)}.faq-item summary{font-family:var(--serif);font-weight:500;font-size:15.5px;color:var(--ink);cursor:pointer;padding:16px 0;list-style:none;display:flex;align-items:center;justify-content:space-between}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary:after{content:"+";font-size:18px;color:var(--ochre);font-weight:400;transition:transform .28s var(--ease-soft)}.faq-item details[open] summary:after{content:"–"}.faq-item .faq-body{font-size:14px;line-height:1.65;color:var(--text);padding:0 0 18px;max-width:660px}.cta-block{display:inline-flex;align-items:center;justify-content:center;gap:10px;font-family:var(--sans);font-size:14.5px;font-weight:600;text-decoration:none;border-radius:9999px;padding:15px 30px;color:#fff;background:var(--ochre);border:none;cursor:pointer;transition:background .28s var(--ease-soft),transform .28s var(--ease-soft)}.cta-block:hover{background:var(--ochre-deep);transform:translateY(-2px)}.disclaimer{font-size:.75rem;color:var(--text-light)}.roman-badge{display:inline-flex;align-items:center;justify-content:center;width:28px;height:28px;border-radius:50%;border:1.5px solid var(--ochre);font-family:var(--serif);font-size:12px;font-weight:600;color:var(--ochre);line-height:1;flex-shrink:0}.ochre-line{width:2px;height:48px;background:var(--ochre);flex-shrink:0}