:root{--green:#173f42;--green2:#22585a;--mint:#82b9af;--sand:#d9c8a8;--paper:#f5f2ea;--white:#fff;--ink:#263234;--muted:#697576;--line:#d6d3ca;--dark:#102d30;--shell:min(1180px,calc(100% - 40px));font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color-scheme:light}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-size:16px;line-height:1.55}a{color:inherit;text-decoration:none}input,select{font:inherit}.shell{width:var(--shell);margin-inline:auto}.icon{width:21px;height:21px;display:block}.skip-link{position:fixed;top:-60px;left:12px;z-index:99;background:var(--sand);padding:10px 15px;font-weight:850}.skip-link:focus{top:12px}
.site-header{height:80px;background:#fff;border-bottom:1px solid #e1ded5;position:relative;z-index:5}.header-inner{height:100%;display:flex;align-items:center;justify-content:space-between;gap:28px}.brand{display:flex;align-items:center;gap:11px;font-size:17px;letter-spacing:-.03em}.brand-mark{display:grid;place-items:center;width:40px;height:40px;background:var(--green);color:var(--sand)}.site-header nav{display:flex;align-items:center;gap:28px;height:100%;color:#687273;font-size:13px;font-weight:700}.site-header nav a{height:100%;display:flex;align-items:center;border-bottom:3px solid transparent}.site-header nav a:hover,.site-header nav a[aria-current=page]{color:var(--green);border-color:var(--green)}.head-action{display:flex;align-items:center;gap:9px;background:var(--sand);padding:11px 15px;font-size:12px;font-weight:850;transition:.2s}.head-action .icon{width:16px}
.hero,.subhero{background:var(--green);color:#fff;position:relative;overflow:hidden}.hero:before,.subhero:before{content:"";position:absolute;right:-170px;top:-270px;width:730px;height:730px;border-radius:50%;border:1px solid rgba(217,200,168,.25);box-shadow:0 0 0 100px rgba(130,185,175,.05),0 0 0 200px rgba(130,185,175,.04)}.hero-grid{position:relative;display:grid;grid-template-columns:1.03fr .97fr;gap:90px;align-items:center;min-height:600px;padding:65px 0}.eyebrow,.section-no,.chapter{font-size:11px;font-weight:850;letter-spacing:.14em;text-transform:uppercase}.eyebrow{color:var(--sand);margin:0}.hero h1,.subhero h1{font-family:Georgia,"Times New Roman",serif;font-size:clamp(55px,6.2vw,84px);font-weight:500;line-height:.97;letter-spacing:-.055em;margin:20px 0 28px}.hero h1 em,.subhero h1 em{font-style:italic;color:var(--sand)}.hero-copy>p:not(.eyebrow){max-width:570px;color:#c3d4d3;font-size:19px;line-height:1.6;margin-bottom:33px}.button{display:inline-flex;align-items:center;gap:12px;background:var(--sand);color:#1e3536;padding:15px 20px;font-size:13px;font-weight:850;transition:.2s}.button .icon{width:17px}.button:hover,.head-action:hover{transform:translateY(-2px)}
.summary-card{background:#fff;color:var(--ink);box-shadow:0 28px 75px rgba(5,23,23,.32)}.card-top{height:48px;background:var(--dark);color:#98acab;padding:0 20px;display:flex;align-items:center;justify-content:space-between;font:850 10px ui-monospace,monospace;letter-spacing:.11em}.card-top b{color:var(--sand)}.summary-card dl{margin:0;padding:20px 22px}.summary-card dl>div{display:flex;align-items:center;justify-content:space-between;padding:11px 0;border-bottom:1px solid #e2e3df;font-size:13px}.summary-card dd{margin:0;font-weight:800}.summary-total{background:var(--sand);padding:19px 22px}.summary-total span,.summary-total small{display:block}.summary-total span,.death-quarter span{font:850 9px ui-monospace,monospace;letter-spacing:.12em}.summary-total strong{display:block;font-family:Georgia,serif;font-size:42px;line-height:1.05;letter-spacing:-.04em}.summary-total small{color:#625d51;font-size:10px}.death-quarter{padding:17px 22px;background:#edf3f0;display:grid;grid-template-columns:1fr auto}.death-quarter span{color:var(--green)}.death-quarter b{font-size:14px}.death-quarter small{grid-column:1/3;color:#73817e;font-size:10px;margin-top:4px}.facts{position:relative;min-height:72px;border-top:1px solid rgba(255,255,255,.18);display:grid;grid-template-columns:repeat(3,1fr);align-items:center;color:#a8bfbd;font-size:12px}.facts span{display:flex;align-items:center;gap:9px}.facts .icon{width:16px;color:var(--sand)}.facts b{color:#fff}
.calculator{padding:105px 0}.section-heading{display:grid;grid-template-columns:1.2fr .8fr;gap:80px;align-items:end;margin-bottom:45px}.section-no{color:var(--green2);margin:0 0 13px}.section-heading h2{font-family:Georgia,serif;font-size:clamp(40px,4.5vw,58px);font-weight:500;letter-spacing:-.045em;line-height:1.03;margin:0}.section-heading>p{color:var(--muted);margin:0;max-width:470px}.calculator-grid{display:grid;grid-template-columns:1fr .9fr;border:1px solid #d4d2cb;box-shadow:0 18px 50px rgba(35,50,47,.08)}.input-panel{background:#fff;padding:37px}.panel-head{display:flex;align-items:center;justify-content:space-between;padding-bottom:22px;border-bottom:1px solid #deded8;margin-bottom:27px}.panel-head span{font:850 10px ui-monospace,monospace;letter-spacing:.12em;color:#7e8987}.panel-head b{font-size:13px;color:var(--green)}.field{display:block;margin-bottom:20px}.field>span{display:block;font-size:14px;font-weight:760;margin-bottom:8px}.field>div{position:relative}.field input,.field select{width:100%;height:55px;border:1px solid #bec6c2;background:#fbfcfa;color:var(--ink);padding:0 15px;border-radius:0;outline:0;font-weight:720}.field input{font-size:23px;padding-right:85px}.field select{appearance:none;background-image:linear-gradient(45deg,transparent 50%,#576563 50%),linear-gradient(135deg,#576563 50%,transparent 50%);background-position:calc(100% - 19px) 24px,calc(100% - 14px) 24px;background-size:5px 5px;background-repeat:no-repeat}.field input:focus,.field select:focus{border-color:var(--green);box-shadow:0 0 0 3px rgba(23,63,66,.13)}.field i{position:absolute;right:15px;top:50%;transform:translateY(-50%);font-style:normal;font-size:11px;color:#6f7b79;font-weight:750}.field small{display:block;color:#7b8584;font-size:10px;line-height:1.45;margin-top:5px}.field-pair{display:grid;grid-template-columns:1fr 1fr;gap:15px}.form-error{min-height:20px;color:#a62939;font-size:12px;font-weight:750;margin:14px 0 0}.local-note{display:flex;align-items:center;gap:8px;color:#76817f;font-size:11px;margin:8px 0 0}.local-note .icon{width:15px;color:var(--green)}
.result-panel{background:var(--dark);color:#fff;padding:37px}.result-label{display:flex;align-items:center;justify-content:space-between;font:850 10px ui-monospace,monospace;letter-spacing:.12em;color:#78918f}.result-label span{color:var(--sand)}.main-result{margin:35px 0 30px}.main-result strong{display:block;font-family:Georgia,serif;font-size:clamp(54px,5vw,72px);font-weight:500;letter-spacing:-.055em;line-height:.95}.main-result small{display:block;color:#8fa3a2;font-size:11px;margin-top:11px}.calculation-list{margin:0}.calculation-list>div{display:flex;justify-content:space-between;align-items:center;border-top:1px solid #315153;padding:13px 0;font-size:12px}.calculation-list dt{color:#9aafad}.calculation-list dd{margin:0;font-weight:800}.calculation-list .minus dd{color:#edb5ac}.annual{background:var(--sand);color:#223738;padding:17px;margin-top:23px}.annual span{display:block;font:850 9px ui-monospace,monospace;letter-spacing:.12em}.annual strong{display:block;font-family:Georgia,serif;font-size:31px;font-weight:500;margin-top:3px}.death-panel{display:grid;grid-template-columns:1fr .55fr;gap:70px;align-items:center;margin-top:55px;background:#e3ece8;border-left:5px solid var(--green);padding:35px}.death-panel h2{font-family:Georgia,serif;font-size:35px;font-weight:500;letter-spacing:-.04em;margin:9px 0}.death-panel p:not(.section-no){color:#60706e;margin:0}.death-panel>div:last-child{background:#fff;padding:22px}.death-panel>div:last-child span,.death-panel>div:last-child small{display:block;color:#74817f;font-size:10px}.death-panel>div:last-child strong{font-family:Georgia,serif;display:block;font-size:31px;color:var(--green);margin:5px 0}.notice{display:flex;align-items:flex-start;gap:11px;border:1px solid #cfccc4;padding:17px 20px;margin-top:18px;color:#65706e}.notice .icon{color:var(--green);flex:0 0 auto}.notice p{font-size:11px;margin:0}
.explain{background:var(--dark);color:#fff;padding:100px 0}.section-heading.inverse .section-no{color:var(--sand)}.section-heading.inverse>a{justify-self:end;display:flex;align-items:center;gap:9px;color:var(--sand);font-size:12px;font-weight:800}.section-heading.inverse .icon{width:16px}.explain-grid{display:grid;grid-template-columns:repeat(3,1fr);border:1px solid #345355}.explain-grid article{padding:34px;border-right:1px solid #345355;min-height:225px}.explain-grid article:last-child{border:0}.explain-grid article>span{color:var(--sand);font-family:Georgia,serif;font-size:25px}.explain-grid h3{font-size:21px;margin:24px 0 10px}.explain-grid p{color:#91a5a3;margin:0}.sources{background:#fff;padding:90px 0}.source-grid{display:grid;grid-template-columns:1fr 1fr;gap:90px}.source-grid h2{font-family:Georgia,serif;font-size:45px;font-weight:500;line-height:1.06;letter-spacing:-.04em;margin:10px 0}.source-grid>div:last-child{display:flex;flex-direction:column}.source-grid a{display:flex;justify-content:space-between;align-items:center;gap:15px;border-bottom:1px solid #d6dad6;padding:19px 0;color:var(--green);font-size:13px;font-weight:800}.source-grid .icon{width:17px}
.subhero{min-height:445px;display:flex;align-items:center}.subhero .narrow{position:relative;padding:70px 0}.narrow{max-width:850px}.subhero h1{font-size:clamp(52px,7vw,82px);margin-bottom:20px}.subhero p:last-child{font-size:18px;color:#bfd0cf;max-width:670px}.subhero.compact{min-height:330px}.subhero.compact h1{font-size:61px}.prose,.legal{max-width:850px;padding:85px 0 100px}.prose section{padding-bottom:58px;margin-bottom:58px;border-bottom:1px solid #d2d0c9}.prose section:last-child{border:0;padding:0;margin:0}.chapter{color:var(--green2);margin:0}.prose h2,.legal h2,.eligibility h2{font-family:Georgia,serif;font-size:35px;font-weight:500;line-height:1.12;letter-spacing:-.035em;margin:13px 0 18px}.prose section>p:not(.chapter),.legal p,.eligibility p{color:#5f6a69;font-size:17px;line-height:1.75}.formula{background:var(--dark);color:#fff;border-left:5px solid var(--sand);padding:22px 25px;margin:22px 0;overflow:auto}.formula code{font:14px ui-monospace,monospace;white-space:nowrap}.eligibility{padding:85px 0 100px;display:grid;grid-template-columns:1fr 1fr;gap:15px}.eligibility article{background:#fff;border-top:4px solid var(--green);padding:30px}.eligibility article:nth-child(2n){border-color:var(--sand)}.eligibility article>span{color:var(--green2);font-size:10px;font-weight:850;letter-spacing:.12em}.eligibility h2{font-size:30px}.eligibility p{font-size:15px}.faq-list{max-width:910px;padding:80px 0 100px}.faq-list details{border-top:1px solid #c7c8c2}.faq-list details:last-child{border-bottom:1px solid #c7c8c2}.faq-list summary{cursor:pointer;list-style:none;position:relative;padding:26px 50px 26px 0;font-size:20px;font-weight:760}.faq-list summary::-webkit-details-marker{display:none}.faq-list summary:after{content:"+";position:absolute;right:10px;color:var(--green);font-size:30px;font-weight:400}.faq-list details[open] summary:after{content:"−"}.faq-list details div{max-width:770px;padding:0 60px 25px 0;color:#606d6b}.legal section{margin-bottom:43px}.legal a{color:var(--green2);text-decoration:underline;text-underline-offset:3px}.not-found{min-height:620px;background:var(--green);color:#fff;display:flex;align-items:center}.not-found span{font-size:11px;font-weight:850;color:var(--sand);letter-spacing:.13em}.not-found h1{font-family:Georgia,serif;font-size:61px;font-weight:500;line-height:1.03;margin:17px 0}.not-found p{color:#bfd0cf;margin-bottom:30px}
.site-footer{background:#0b2426;color:#edf3f2;padding:65px 0 22px}.site-footer .brand-mark{background:var(--sand);color:var(--green)}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:70px}.footer-grid>div{display:flex;flex-direction:column;align-items:flex-start;gap:9px}.footer-grid>div:first-child p{color:#718886;font-size:12px;line-height:1.65}.footer-grid>div>b{font-size:11px;color:var(--sand);margin-bottom:7px}.footer-grid>div>a:not(.brand){font-size:12px;color:#8da09e}.footer-grid>div>a:hover{color:#fff}.footer-bottom{display:flex;justify-content:space-between;border-top:1px solid #2c484a;margin-top:44px;padding-top:20px;color:#5c7371;font:700 10px ui-monospace,monospace}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.button:hover,.head-action:hover{transform:none}}@media(max-width:950px){.site-header nav{display:none}.hero-grid{grid-template-columns:1fr;gap:45px}.summary-card{max-width:620px}.facts{grid-template-columns:1fr;gap:12px;padding:22px 0}.section-heading{grid-template-columns:1fr;gap:20px}.calculator-grid{grid-template-columns:1fr}.death-panel{grid-template-columns:1fr;gap:25px}.explain-grid{grid-template-columns:1fr}.explain-grid article{border-right:0;border-bottom:1px solid #345355}.source-grid{grid-template-columns:1fr;gap:30px}}
@media(max-width:600px){:root{--shell:calc(100% - 28px)}.site-header{height:68px}.brand{font-size:14px}.brand-mark{width:35px;height:35px}.head-action{font-size:0;padding:10px}.head-action .icon{width:19px}.hero-grid{padding:64px 0 45px;min-height:auto}.hero h1{font-size:48px}.hero-copy>p:not(.eyebrow){font-size:16px}.summary-total strong{font-size:37px}.death-quarter{grid-template-columns:1fr}.death-quarter b{margin-top:5px}.death-quarter small{grid-column:1}.calculator{padding:72px 0}.section-heading{margin-bottom:31px}.section-heading h2{font-size:38px}.input-panel,.result-panel{padding:25px 20px}.field-pair{grid-template-columns:1fr}.main-result strong{font-size:51px}.death-panel{padding:25px 20px}.death-panel h2{font-size:31px}.explain{padding:72px 0}.section-heading.inverse>a{justify-self:start}.explain-grid article{min-height:auto}.sources{padding:70px 0}.source-grid h2{font-size:37px}.source-grid a{font-size:12px}.subhero{min-height:390px}.subhero .narrow{padding:58px 0}.subhero h1,.subhero.compact h1{font-size:44px;overflow-wrap:anywhere}.prose,.legal,.eligibility{padding:65px 0 75px}.prose h2,.legal h2,.eligibility h2{font-size:29px}.prose section>p:not(.chapter),.legal p,.eligibility p{font-size:16px}.eligibility{grid-template-columns:1fr}.faq-list{padding:60px 0 75px}.faq-list summary{font-size:17px}.footer-grid{grid-template-columns:1fr;gap:34px}.footer-bottom{flex-direction:column;align-items:flex-start;gap:9px}.not-found h1{font-size:44px}}
