:root {
  --cream: #f5f1ea;
  --navy: #242349;
  --gold: #c89078;
  --ink: #242349;
  --muted: #6b6b78;
  --line: #e9e4da;
  --card: #ffffff;
  --green: #1F7A5A;
  --amber: #bd875a;
  --orange: #c89078;
  --red: #B93A3A;
  --shadow: 0 1px 2px rgba(36, 35, 73, .05), 0 14px 34px -20px rgba(36, 35, 73, .30);
  --radius: 14px;
}

* {
  box-sizing: border-box
}

html,
body {
  margin: 0
}

body {
  background: var(--cream);
  color: var(--ink);
  font-family: Inter, system-ui, sans-serif;
  font-size: 16px;
  line-height: 1.55;
  -webkit-font-smoothing: antialiased
}

h1,
h2,
h3 {
  font-family: Poppins, sans-serif;
  font-weight: 600;
  letter-spacing: -.01em
}

a {
  color: var(--navy)
}

.wrap {
  max-width: 820px;
  margin: 0 auto;
  padding: 0 22px
}

.eyebrow {
  font-size: 12px;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 600
}

.tm {
  font-size: .55em;
  vertical-align: super;
  color: var(--gold);
  font-weight: 500
}

.hidden {
  display: none !important
}

.fade {
  animation: fade .45s ease both
}

@keyframes fade {
  from {
    opacity: 0;
    transform: translateY(8px)
  }

  to {
    opacity: 1;
    transform: none
  }
}

.masthead {
  border-bottom: 1px solid var(--line);
  background: rgba(244, 239, 230, .92);
  backdrop-filter: blur(6px);
  position: sticky;
  top: 0;
  z-index: 30
}

.masthead .wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 62px;
  gap: 12px
}

.brand {
  font-family: Poppins;
  font-weight: 600;
  font-size: 15px;
  color: var(--navy);
  line-height: 1.1;
  cursor: pointer
}

.brand small {
  display: block;
  font-family: Inter;
  font-weight: 450;
  font-size: 10.5px;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--muted)
}

.mast-right {
  display: flex;
  align-items: center;
  gap: 10px
}

.ccy,
.calcpick {
  border: 1px solid var(--line);
  background: #fff;
  border-radius: 9px;
  padding: 8px 10px;
  font-size: 13px;
  color: var(--ink);
  font-family: Inter;
  max-width: 220px
}

.calcpick {
  display: none
}

/* index */
.indexhero {
  text-align: center;
  padding: 52px 0 30px
}

.indexhero .brandline {
  font-family: Poppins;
  font-weight: 600;
  font-size: 12px;
  color: var(--navy);
  letter-spacing: .02em;
  margin-bottom: 14px
}

.indexhero h1 {
  font-size: clamp(28px, 5vw, 40px);
  color: var(--navy);
  margin: .3em 0 .35em
}

.indexhero p {
  max-width: 56ch;
  margin: 0 auto;
  color: var(--muted)
}

.grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  padding: 6px 0 60px
}

.tool {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 22px 20px;
  box-shadow: var(--shadow);
  cursor: pointer;
  transition: transform .18s, box-shadow .18s, border-color .18s;
  display: flex;
  flex-direction: column
}

.tool:hover {
  transform: translateY(-3px);
  border-color: var(--gold);
  box-shadow: 0 1px 2px rgba(36, 35, 73, .05), 0 22px 40px -22px rgba(36, 35, 73, .4)
}

.tool .no {
  font-family: Poppins;
  font-size: 12px;
  color: var(--gold);
  font-weight: 600;
  letter-spacing: .06em
}

.tool h3 {
  font-size: 17px;
  color: var(--navy);
  margin: 8px 0 6px
}

.tool p {
  font-size: 13.5px;
  color: var(--muted);
  margin: 0 0 14px;
  flex: 1
}

.tool .aud {
  font-size: 11.5px;
  color: var(--muted);
  border-top: 1px dashed var(--line);
  padding-top: 10px
}

.tool .go {
  margin-top: 12px;
  font-size: 13px;
  color: var(--navy);
  font-weight: 500;
  display: flex;
  align-items: center;
  gap: 6px
}

/* wizard/result shared */
.backrow {
  padding: 22px 0 4px
}

.backlink {
  background: none;
  border: none;
  color: var(--navy);
  font: inherit;
  font-size: 14px;
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 6px 0
}

.calchead {
  padding: 6px 0 20px
}

.calchead .eyebrow {
  margin-bottom: 6px
}

.calchead h1 {
  font-size: clamp(24px, 4.5vw, 32px);
  color: var(--navy);
  margin: .1em 0 .3em
}

.calchead p {
  color: var(--muted);
  max-width: 56ch;
  margin: 0
}

.steplabel {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin: 14px 0 5px
}

.steplabel .n {
  font-family: Poppins;
  font-size: 13px;
  color: var(--gold);
  font-weight: 600;
  letter-spacing: .04em
}

.steplabel .of {
  font-size: 12.5px;
  color: var(--muted)
}

.progress {
  display: flex;
  gap: 8px;
  margin-bottom: 22px
}

.progress .seg {
  flex: 1;
  height: 4px;
  border-radius: 99px;
  background: var(--line);
  overflow: hidden
}

.progress .seg i {
  display: block;
  height: 100%;
  width: 0;
  background: linear-gradient(90deg, var(--navy), var(--gold));
  transition: width .5s cubic-bezier(.4, 0, .2, 1)
}

.card {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow)
}

.step {
  padding: 28px 26px 24px
}

.step h2 {
  font-size: 20px;
  margin: 0 0 18px;
  color: var(--navy)
}

.field {
  margin-bottom: 18px
}

.field.opt>label::after {
  content: " · optional";
  color: var(--muted);
  font-weight: 400;
  font-size: .82em
}

.field>label {
  display: block;
  font-size: 14px;
  font-weight: 500;
  margin-bottom: 7px;
  color: var(--ink)
}

.field .hint {
  font-size: 12.5px;
  color: var(--muted);
  margin-top: 5px
}

.inwrap {
  position: relative
}

.inwrap .sym {
  position: absolute;
  left: 14px;
  top: 50%;
  transform: translateY(-50%);
  color: var(--muted);
  font-size: 15px;
  pointer-events: none
}

.inwrap .pct {
  position: absolute;
  right: 14px;
  top: 50%;
  transform: translateY(-50%);
  color: var(--muted);
  font-size: 15px;
  pointer-events: none
}

input[type=text],
input[type=number],
select.fld {
  width: 100%;
  border: 1px solid var(--line);
  background: #fff;
  border-radius: 10px;
  padding: 12px 14px;
  font: inherit;
  font-size: 15px;
  color: var(--ink);
  transition: border-color .15s, box-shadow .15s
}

.inwrap.money input {
  padding-left: 30px;
  font-variant-numeric: tabular-nums
}

.inwrap.pctwrap input {
  padding-right: 34px
}

input:focus,
select.fld:focus {
  outline: none;
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(36, 35, 73, .12)
}

input.err,
select.err {
  border-color: var(--red);
  box-shadow: 0 0 0 3px rgba(185, 58, 58, .12)
}

.readback {
  font-size: 12.5px;
  color: var(--navy);
  margin-top: 5px;
  min-height: 1em;
  font-variant-numeric: tabular-nums
}

.yn {
  display: flex;
  gap: 8px
}

.yn button {
  flex: 1;
  border: 1px solid var(--line);
  background: #fff;
  border-radius: 10px;
  padding: 11px;
  font: inherit;
  font-size: 14px;
  color: var(--muted);
  cursor: pointer;
  transition: .15s
}

.yn button[aria-pressed=true] {
  border-color: var(--navy);
  background: var(--navy);
  color: #fff;
  font-weight: 500
}

.stepnav {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 16px 26px;
  border-top: 1px solid var(--line)
}

.errmsg {
  color: var(--red);
  font-size: 13px;
  min-height: 1em;
  text-align: center;
  flex: 1;
  padding: 0 8px
}

button.btn {
  font: inherit;
  cursor: pointer;
  border-radius: 11px;
  padding: 11px 20px;
  font-size: 15px;
  font-weight: 500;
  border: 1px solid transparent;
  transition: .18s
}

.btn.primary {
  background: var(--navy);
  color: #fff
}

.btn.primary:hover {
  background: #1a1a3c
}

.btn.ghost {
  background: transparent;
  color: var(--navy);
  border-color: var(--line)
}

.btn.ghost:hover {
  border-color: var(--navy)
}

.btn.gold {
  background: var(--gold);
  color: #332417;
  font-weight: 600
}

.btn.gold:hover {
  filter: brightness(1.05)
}

.result {
  padding: 32px 26px
}

.gaugewrap {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center
}

.gauge {
  position: relative;
  width: 210px;
  height: 210px
}

.gauge .num {
  position: absolute;
  inset: 0;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center
}

.gauge .num b {
  font-family: Poppins;
  font-size: 52px;
  font-weight: 600;
  line-height: 1;
  color: var(--navy);
  font-variant-numeric: tabular-nums
}

.gauge .num span {
  font-size: 12px;
  color: var(--muted);
  letter-spacing: .08em
}

.bandpill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: 14px;
  padding: 7px 16px;
  border-radius: 99px;
  font-weight: 600;
  font-size: 14.5px
}

.bandpill .dot {
  width: 9px;
  height: 9px;
  border-radius: 99px;
  background: currentColor
}

.insight {
  max-width: 52ch;
  margin: 16px auto 0;
  color: var(--ink);
  font-size: 15.5px
}

.microdisc {
  max-width: 54ch;
  margin: 14px auto 0;
  color: var(--muted);
  font-size: 12.5px
}

.gate {
  margin-top: 24px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden
}

.gate .head {
  background: #fff;
  padding: 20px 22px;
  border-bottom: 1px solid var(--line)
}

.gate .head h3 {
  margin: 0 0 4px;
  color: var(--navy);
  font-size: 18px
}

.gate .head p {
  margin: 0;
  color: var(--muted);
  font-size: 14px
}

.gate .body {
  padding: 20px 22px
}

.fieldrow {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px
}

.consent {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  font-size: 13px;
  color: var(--muted);
  margin: 14px 0 4px
}

.consent input {
  margin-top: 3px
}

.report-sec {
  padding: 28px 26px;
  border-top: 1px solid var(--line)
}

.report-sec h3 {
  font-size: 16px;
  color: var(--navy);
  margin: 0 0 4px
}

.report-sec .lead {
  color: var(--muted);
  font-size: 13.5px;
  margin: 0 0 18px
}

.dim {
  margin-bottom: 14px
}

.dim .top {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  font-size: 14px;
  margin-bottom: 6px
}

.dim .top .val {
  font-family: Poppins;
  font-weight: 600;
  font-variant-numeric: tabular-nums
}

.track {
  height: 9px;
  border-radius: 99px;
  background: var(--line);
  overflow: hidden
}

.track i {
  display: block;
  height: 100%;
  width: 0;
  border-radius: 99px;
  transition: width .9s cubic-bezier(.4, 0, .2, 1)
}

.metrics {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 4px
}

.metric {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 14px 16px
}

.metric .l {
  font-size: 12.5px;
  color: var(--muted)
}

.metric .v {
  font-family: Poppins;
  font-size: 20px;
  font-weight: 600;
  color: var(--navy);
  margin-top: 3px;
  font-variant-numeric: tabular-nums
}

.two {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 22px
}

.list {
  list-style: none;
  padding: 0;
  margin: 0
}

.list li {
  display: flex;
  gap: 10px;
  padding: 9px 0;
  border-bottom: 1px dashed var(--line);
  font-size: 14px;
  align-items: flex-start
}

.list li:last-child {
  border-bottom: none
}

.list .ico {
  flex: none;
  width: 20px;
  height: 20px;
  border-radius: 6px;
  display: grid;
  place-items: center;
  font-size: 12px;
  font-weight: 700;
  margin-top: 1px
}

.actions li {
  display: flex;
  gap: 14px;
  padding: 14px 0;
  border-bottom: 1px solid var(--line)
}

.actions li:last-child {
  border-bottom: none
}

.actions .a-body b {
  display: block;
  font-weight: 600;
  color: var(--navy);
  font-size: 14.5px;
  margin-bottom: 2px
}

.actions .a-body span {
  font-size: 13.5px;
  color: var(--muted)
}

.a-pri {
  margin-left: auto;
  flex: none;
  font-size: 11px;
  font-weight: 600;
  padding: 3px 9px;
  border-radius: 99px;
  height: fit-content
}

.alloc {
  display: flex;
  gap: 26px;
  align-items: center;
  flex-wrap: wrap
}

.alloc .legend {
  flex: 1;
  min-width: 200px
}

.alloc .legend div {
  display: flex;
  align-items: center;
  gap: 9px;
  font-size: 13.5px;
  padding: 5px 0
}

.alloc .legend .sw {
  width: 11px;
  height: 11px;
  border-radius: 3px;
  flex: none
}

.alloc .legend .pc {
  margin-left: auto;
  font-variant-numeric: tabular-nums;
  color: var(--muted)
}

.wf {
  display: flex;
  flex-direction: column;
  gap: 8px
}

.wf .row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 14px;
  padding: 8px 0;
  border-bottom: 1px dashed var(--line)
}

.wf .row.total {
  border-bottom: none;
  border-top: 2px solid var(--line);
  margin-top: 4px;
  font-weight: 600;
  color: var(--navy)
}

.wf .row .amt {
  font-variant-numeric: tabular-nums;
  font-family: Poppins
}

.consult {
  margin: 28px 26px 6px;
  padding: 26px 24px;
  border-radius: var(--radius);
  background: var(--navy);
  color: #fff;
  text-align: center
}

.consult h3 {
  color: #fff;
  font-size: 19px;
  margin: 0 0 8px
}

.consult p {
  color: #e2e4f0;
  font-size: 14px;
  max-width: 48ch;
  margin: 0 auto 18px
}

.consult .row {
  display: flex;
  gap: 12px;
  justify-content: center;
  flex-wrap: wrap
}

.consult .btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  padding: 12px 18px;
  border-radius: 999px;
  font-size: 14px;
  font-weight: 600;
  line-height: 1.2;
  transition: transform .18s, filter .18s, box-shadow .18s
}

.consult .btn:hover {
  transform: translateY(-1px)
}

.consult .review-btn {
  background: linear-gradient(135deg, #d7a37f, #c89078);
  color: #1d140f;
  border-color: transparent;
  box-shadow: 0 16px 26px -18px rgba(200, 144, 120, .9);
  text-decoration: none;
}

.consult .review-btn:hover {
  filter: brightness(1.03)
}

.consult .btn.ghost {
  color: #fff;
  border-color: rgba(255, 255, 255, .4);
  background: rgba(255, 255, 255, .04)
}

.consult .btn.ghost:hover {
  background: rgba(255, 255, 255, .08)
}

.footdisc {
  max-width: 64ch;
  margin: 22px auto 40px;
  color: var(--muted);
  font-size: 12px;
  text-align: center;
  line-height: 1.6
}

@media(max-width:600px) {

  .grid,
  .fieldrow,
  .two,
  .metrics {
    grid-template-columns: 1fr
  }

  .step,
  .result,
  .report-sec {
    padding-left: 20px;
    padding-right: 20px
  }
}

@media(prefers-reduced-motion:reduce) {
  * {
    transition: none !important;
    animation: none !important
  }
}

@media print {

  #fvnav,
  .row {
    display: none !important
  }

  body {
    background: #fff !important
  }
}

#fvnav {
  position: sticky;
  top: 0;
  z-index: 9999;
  background: #0c0c11;
  padding: 12px 0;
  font-family: Poppins, system-ui, sans-serif
}

#fvnav * {
  box-sizing: border-box
}

#fvnav .fvwrap {
  max-width: 1210px;
  margin: 0 auto;
  padding: 0 20px
}

#fvnav .fvbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: rgba(245, 241, 234, .98);
  border: 1px solid #e6e0d3;
  border-radius: 60px;
  padding: 11px 24px
}

#fvnav .fvlogo {
  width: 112px;
  height: 40px;
  background: url("../img/logo.webp") no-repeat left center;
  background-size: contain;
  display: block
}

#fvnav .fvmenu {
  display: flex;
  gap: 24px;
  align-items: center;
  list-style: none;
  margin: 0;
  padding: 0
}

#fvnav .fvmenu>li {
  position: relative
}

#fvnav .fvmenu>li>a {
  font-size: 14px;
  color: #242349;
  font-weight: 400;
  text-decoration: none;
  cursor: pointer;
  display: flex;
  align-items: center;
  gap: 5px
}

#fvnav .fvmenu>li>a:hover {
  color: #c89078
}

#fvnav .fvcar {
  font-size: 9px;
  opacity: .6
}

#fvnav .fvdrop {
  position: absolute;
  top: 100%;
  left: 50%;
  transform: translateX(-50%) translateY(8px);
  background: #fff;
  border: 1px solid #e6e0d3;
  border-radius: 16px;
  box-shadow: 0 24px 50px rgba(36, 35, 73, .14);
  padding: 10px;
  min-width: 220px;
  opacity: 0;
  visibility: hidden;
  transition: .22s
}

#fvnav .fvmenu>li:hover .fvdrop {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(6px)
}

#fvnav .fvdrop a {
  display: block;
  padding: 9px 14px;
  border-radius: 10px;
  font-size: 13px;
  color: #3a3a63;
  text-decoration: none;
  white-space: nowrap
}

#fvnav .fvdrop a:hover {
  background: #f5f1ea;
  color: #c89078
}

#fvnav .fvact {
  display: flex;
  align-items: center;
  gap: 16px
}

#fvnav .fvlog {
  font-size: 14px;
  color: #242349;
  text-decoration: none
}

#fvnav .fvlog:hover {
  color: #c89078
}

#fvnav .fvcta {
  background: #0c0c11;
  color: #fff;
  font-size: 13px;
  font-weight: 500;
  padding: 11px 20px;
  border-radius: 40px;
  text-decoration: none
}

@media(max-width:920px) {

  #fvnav .fvmenu,
  #fvnav .fvlog {
    display: none
  }
}