:root{--ink:#142936;--muted:#62747c;--paper:#f3f5f2;--line:#d5dfdb;--teal:#087c70;--navy:#173c53}*{box-sizing:border-box}body{margin:0;background:var(--paper);color:var(--ink);font-family:"Helvetica Neue",Arial,sans-serif;line-height:1.5}.brand{border-bottom:1px solid var(--line);padding:20px max(24px,calc((100vw - 1200px)/2))}.brand a{color:var(--ink);font-size:28px;font-weight:700;letter-spacing:-1.7px;text-decoration:none}.brand span{color:var(--teal)}.brand small{display:block;font-size:14px;letter-spacing:0;color:var(--muted);font-weight:400}main{max-width:1248px;margin:auto;padding:36px 24px 64px}.intro{max-width:820px;margin-bottom:32px}.eyebrow{color:var(--teal);font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:1.2px}h1{font:normal clamp(42px,6vw,68px)/1.05 Georgia,serif;letter-spacing:-2px;margin:14px 0 20px}.intro>p:last-child{font-size:18px;color:var(--muted)}h2{font-size:26px;line-height:1.2;font-weight:500;letter-spacing:-.7px;margin:0 0 12px}h3{font-size:18px;font-weight:500;margin:0 0 14px}p{margin:8px 0 16px}.layout{display:grid;grid-template-columns:340px minmax(0,1fr);gap:24px;align-items:start}aside,.card,.metrics article,.note{background:white;border:1px solid var(--line);border-radius:16px;padding:22px}aside section{padding:20px 0;border-top:1px solid var(--line)}aside section:last-of-type{padding-bottom:0}.heading{display:flex;gap:15px;align-items:start}.heading h2{flex:1}.heading button{font-size:12px;border:0;background:none;color:var(--teal);text-decoration:underline;cursor:pointer;padding:0}label{display:block;font-size:13px;font-weight:600;margin:16px 0 6px}input,select{width:100%;padding:11px;font:16px Arial;border:1px solid #bdccc8;border-radius:8px;color:var(--ink)}input:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid #a9ded5;outline-offset:2px}input[aria-invalid=true]{border-color:#a22}.hint{color:var(--muted);font-size:12px;line-height:1.5}.subtotal{background:#e7f1ee;padding:14px;margin-top:16px;border-radius:8px}.subtotal span{display:block;font-size:12px}.subtotal strong{font-size:26px;font-weight:500}.results{display:grid;gap:18px;min-width:0}.hero{background:var(--navy);border-radius:16px;color:white;padding:28px}.hero .eyebrow{color:#b9ddd6}.hero h2{font:normal clamp(35px,4vw,52px)/1.1 Georgia,serif;margin:12px 0}.hero>p:last-child{color:#d8e6e4;margin:0}.metrics{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}.metrics article{padding:18px}.metrics span,.comparison span{font-size:12px;color:var(--muted);display:block}.metrics strong,.comparison strong{display:block;font-weight:500;font-size:26px;letter-spacing:-1px;margin:5px 0}.metrics small{font-size:11px;color:var(--muted)}.card>p{color:var(--muted);font-size:14px}.card svg{width:100%;display:block}.legend{display:flex;gap:20px;font-size:12px;color:var(--muted);flex-wrap:wrap}.legend span:before{content:'';display:inline-block;width:20px;border-top:4px solid var(--teal);margin-right:7px}.legend span:last-child:before{border-color:#bc842d}.table-wrap{overflow:auto;margin-top:20px;max-height:380px}table{width:100%;border-collapse:collapse;font-size:12px;white-space:nowrap}th,td{text-align:right;padding:12px 9px;border-bottom:1px solid var(--line)}th:first-child,td:first-child{text-align:left}th{color:var(--muted);font-weight:500}.comparison{display:grid;grid-template-columns:1fr 1fr;gap:20px;background:var(--paper);padding:16px;border-radius:10px;margin:18px 0}summary{cursor:pointer;color:var(--teal);font-weight:600}.note{background:#e7f1ee}.note p{font-size:14px;color:var(--muted)}#error{color:#a22;font-size:13px;margin-bottom:0}@media(max-width:900px){.layout{grid-template-columns:290px minmax(0,1fr)}.metrics{grid-template-columns:1fr}.metrics article{display:grid;grid-template-columns:1fr 1fr;gap:4px}.metrics strong{grid-column:2;grid-row:1/3;margin:0}.metrics small{grid-column:1}}@media(max-width:700px){main{padding:25px 16px 40px}.brand{padding:16px}.layout{grid-template-columns:1fr}.metrics{grid-template-columns:1fr}.hero,.card,aside{padding:20px}.intro{margin-bottom:24px}.comparison{grid-template-columns:1fr}h1{letter-spacing:-1px}}
aside{min-width:0}select{max-width:100%}

.optional-balance{margin-top:20px;padding-top:14px;border-top:1px solid var(--line)}.optional-balance summary{font-size:12px;font-weight:400;color:var(--muted)}

.legend span:last-child:before{border-color:var(--teal)}

[hidden]{display:none!important}.optional-balance label{font-weight:400;color:var(--muted);font-size:12px}.optional-balance input{max-width:180px}.optional-balance p{margin-bottom:0}

.baseline{margin-bottom:22px;padding:18px 22px}.baseline h2{font-size:20px;margin-bottom:12px}.baseline-grid{display:grid;grid-template-columns:1fr .85fr 1fr;gap:24px;align-items:start}.baseline-field label{margin-top:0}.baseline-field input{max-width:180px;padding:9px}.baseline-field .hint{margin:6px 0 0}.baseline .optional-balance{margin:0;padding:0;border:0}.baseline .optional-balance label{font-weight:400}.layout{grid-template-columns:310px minmax(0,1fr)}aside{position:sticky;top:16px;max-height:calc(100dvh - 32px);overflow-y:auto;scrollbar-width:thin;padding:18px}aside h2{font-size:23px}aside section{padding:14px 0}aside input,aside select{padding:9px}aside label{margin-top:12px}aside h3{margin-bottom:8px}aside .subtotal{padding:10px;margin-top:12px}aside .subtotal strong{font-size:22px}.hero{padding:20px 24px}.hero h2{font-size:clamp(28px,3.2vw,39px)}.hero>p:last-child{font-size:14px}.annual-details{margin-top:14px;font-size:12px}@media(max-width:700px){.baseline-grid{grid-template-columns:1fr;gap:16px}.layout{grid-template-columns:1fr}aside{position:static;max-height:none;overflow:visible}.baseline{padding:18px}.baseline-field input{max-width:100%}}

.car-baseline-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px 24px}.story-baseline .hint{margin-top:8px}.adjust-slider{accent-color:var(--teal);height:24px;border:0;padding:0!important;cursor:pointer;margin-top:5px}.story-legend span:nth-child(2):before{border-color:#b25945}.story-legend span:nth-child(3):before{border-color:#a57828}.story-crossings{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:14px}.story-crossings p{background:#e7f1ee;padding:12px;border-radius:8px;font-size:13px;line-height:1.4;margin:0}.car-baseline-grid input{max-width:180px}@media(max-width:700px){.car-baseline-grid{grid-template-columns:1fr 1fr;gap:14px}.car-baseline-grid label{font-size:12px}.story-crossings{grid-template-columns:1fr}}

.decision-key{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:16px 0}.decision-key>div{padding:12px 14px;border-left:4px solid #b25945;background:#f7ece8;border-radius:6px}.decision-key>div:last-child{border-color:var(--teal);background:#e7f1ee}.decision-key strong,.decision-key span{display:block}.decision-key strong{font-size:15px}.decision-key span{font-size:12px;color:var(--muted);margin-top:4px}@media(max-width:700px){.decision-key{grid-template-columns:1fr}}

/* Lead with the choice, then reveal the mechanics. */
.intro{max-width:950px;margin-bottom:26px}.intro h1{font-size:clamp(40px,5vw,62px)}.intro>p:last-child{max-width:760px}.story-paths{display:grid;grid-template-columns:1fr 1fr;gap:22px}.path-card{position:relative;display:flex;flex-direction:column;overflow:hidden;border:1px solid var(--line);border-radius:18px;background:#fbf5ed}.path-wait{background:#e8f2eb}.path-copy{padding:24px 28px 0}.path-copy h2{font:normal clamp(27px,3vw,36px)/1.12 Georgia,serif;letter-spacing:-.7px}.path-copy>p:last-child{color:var(--muted);font-size:15px;max-width:400px;margin-bottom:0}.path-now .eyebrow{color:#975442}.path-card img{width:100%;height:230px;object-fit:contain;display:block}.path-number{margin:auto 24px 24px;padding-top:15px;border-top:1px solid #c7d4cd}.path-number strong{display:block;font-size:32px;letter-spacing:-1px;color:var(--teal)}.path-now .path-number strong{color:#975442}.path-number span{display:block;font-size:13px;color:var(--muted);max-width:410px}.story-lesson{padding:28px 0 34px;max-width:850px}.story-lesson h2{font-size:25px}.story-lesson p{color:var(--muted);margin-bottom:10px}.story-lesson a{color:var(--teal);font-weight:600;text-underline-offset:4px}#explore{scroll-margin-top:130px}.story-baseline{padding:12px 0;margin:8px 0 18px;border:0;border-radius:0;background:transparent}.story-baseline summary{font-size:13px}.story-baseline .car-baseline-grid{margin-top:16px}.results>.baseline{margin-bottom:0}.results .baseline-grid{gap:16px;grid-template-columns:1.2fr .7fr 1fr}.results .baseline-grid label{font-size:12px}.results .baseline-field input{width:100%}@media(max-width:700px){.story-paths{grid-template-columns:1fr}.path-copy{padding:22px 22px 0}.path-card img{height:200px}.path-number{margin:0 22px 22px}.story-lesson{padding:24px 0}.results .baseline-grid{grid-template-columns:1fr}.car-baseline-grid{grid-template-columns:1fr 1fr}}
.path-wait img{object-fit:cover;object-position:right bottom}

.plan-assumptions{padding:18px 22px;margin-bottom:14px}.plan-assumptions h2{font-size:20px}.assumptions-row{display:grid;grid-template-columns:1fr 1fr;gap:32px}.assumptions-row label{margin-top:0}.assumptions-row input:not([type=range]){max-width:110px}.assumptions-row .adjust-slider{display:block;max-width:220px}.assumptions-row select{max-width:220px}.assumptions-row .hint{margin:6px 0 0;max-width:440px}.explore-link{margin:0 0 24px}.explore-link a{color:var(--teal);font-weight:600;text-underline-offset:4px}.story-lesson{padding-bottom:16px}@media(max-width:700px){.assumptions-row{grid-template-columns:1fr;gap:16px}}

/* One compact goal-and-settings row, without a separate assumptions card. */
.story-contrast{font-size:clamp(19px,2vw,25px);font-weight:600;line-height:1.35;margin:22px 0 0}.goal-settings{display:grid;grid-template-columns:minmax(0,1fr) 400px;gap:32px;align-items:start;padding:22px 0 16px}.goal-settings .story-lesson{padding:0;max-width:none}.goal-settings .story-lesson h2{font-size:22px}.goal-settings .story-lesson p{font-size:14px;margin-bottom:0}.goal-settings .plan-assumptions{padding:0;margin:0}.goal-settings .assumptions-row{grid-template-columns:1fr 1fr;gap:18px}.goal-settings .assumptions-row label{font-size:12px}.goal-settings .assumptions-row input:not([type=range]){padding:8px;width:90px}.goal-settings .assumptions-row select{padding:8px}.goal-settings .hint{font-size:11px}.goal-settings .adjust-slider{height:18px}@media(max-width:850px){.goal-settings{grid-template-columns:1fr;gap:18px}.goal-settings .assumptions-row{max-width:420px}}

.path-number .number-label{font-size:14px;font-weight:700;color:var(--ink);margin-bottom:4px}

.dream-payoff{background:var(--navy);color:white;border-radius:16px;padding:24px 28px;margin:22px 0 0}.dream-payoff .eyebrow{color:#b9ddd6;margin-top:0}.dream-payoff h2{font:normal clamp(27px,3vw,36px)/1.15 Georgia,serif}.payoff-steps{display:grid;grid-template-columns:1fr 1fr 1fr;gap:24px;margin:20px 0}.payoff-steps>div+div{border-left:1px solid #496776;padding-left:24px}.payoff-steps span{display:block;font-size:13px;color:#d8e6e4}.payoff-steps strong{display:block;font-size:32px;font-weight:500;letter-spacing:-1px}.dream-payoff>p:last-child{color:#c3d7da;font-size:12px;margin-bottom:0}.dream-payoff #story-contrast{font-size:16px;margin-bottom:8px}@media(max-width:600px){.dream-payoff{padding:22px}.payoff-steps{grid-template-columns:1fr;gap:14px}.payoff-steps>div+div{border-left:0;border-top:1px solid #496776;padding:14px 0 0}.payoff-steps strong{font-size:28px}}

.goal-settings{grid-template-columns:400px minmax(0,1fr)}.payoff-explainer{font-size:12px;margin-top:12px;max-width:850px}.payoff-explainer summary,.payoff-explainer a{color:#c5e8df}.payoff-explainer p{color:#d8e6e4;margin:10px 0}#payment{scroll-margin-top:140px}@media(max-width:850px){.goal-settings{grid-template-columns:1fr}}
.dream-payoff>.hint{color:#c3d7da}

.plan-setup{padding:22px 0 18px}.plan-setup h2{font-size:22px;margin-bottom:16px}.setup-fields{display:grid;grid-template-columns:1.15fr .9fr 1fr 1.1fr 1fr;gap:22px}.setup-fields>div{min-width:0}.setup-fields label{margin:0 0 6px;font-size:12px}.setup-fields input:not([type=range]){max-width:150px;padding:9px}.setup-fields #term,.setup-fields #returnRate{max-width:90px}.setup-fields select{padding:9px}.setup-fields .hint{font-size:11px;margin:5px 0 0}.setup-fields .adjust-slider{height:18px;margin:4px 0 0}.setup-fields>div:last-child label{color:var(--muted);font-weight:400}@media(max-width:950px){.setup-fields{grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}}@media(max-width:550px){.setup-fields{grid-template-columns:repeat(2,minmax(0,1fr));gap:18px 14px}.setup-fields label{min-height:36px;display:flex;align-items:end}}
.car-goal-choice{display:flex;align-items:center;gap:14px;flex-wrap:wrap;margin-bottom:14px}.car-goal-choice label{margin:0}.car-goal-choice select{width:auto;max-width:100%;padding:9px}.car-goal-choice strong{flex-basis:100%;font-size:14px;color:var(--teal);font-weight:500}.used-car-fields{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:20px}.used-car-fields label{margin:0 0 6px;font-size:12px}.used-car-fields input{max-width:160px;padding:9px}.used-car-fields select{max-width:170px;padding:9px}.plan-setup>.hint{margin:8px 0 16px;max-width:900px}.setup-fields{grid-template-columns:repeat(3,minmax(0,1fr));max-width:780px}.payment-milestone{padding:14px;background:#e7f1ee;border-left:4px solid var(--teal);border-radius:6px;margin-top:16px;font-size:14px}#paymentMode{scroll-margin-top:140px}@media(max-width:700px){.used-car-fields{grid-template-columns:1fr 1fr;gap:14px}.setup-fields{grid-template-columns:1fr 1fr}.car-goal-choice{gap:8px}.car-goal-choice select{width:100%}}
.payment-journey{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin:18px 0}.payment-journey article{min-width:0}.journey-stage{font-size:10px;text-transform:uppercase;letter-spacing:.5px;color:var(--muted)}.payment-journey h3{font-size:16px;margin:5px 0 12px}.payment-bar{display:flex;overflow:hidden;border-radius:7px;height:40px}.payment-bar span{display:flex;align-items:center;justify-content:center;font-size:11px;color:white;white-space:nowrap}.owner-share{background:#a04e3b}.fund-share{background:#087c70}.payment-journey p{font-size:12px;margin:8px 0 3px}.payment-journey small{font-size:12px;color:var(--teal);font-weight:700}@media(max-width:850px){.payment-journey{grid-template-columns:1fr}.payment-journey article{padding-bottom:12px;border-bottom:1px solid var(--line)}}
.rate-check{font-size:12px;color:var(--muted);margin:8px 0 14px}.rate-check.rate-warning{padding:12px 14px;background:#fff0d9;border-left:4px solid #a57828;border-radius:5px;color:#614716}

.fund-payoff-row{display:flex;align-items:center;gap:24px;flex-wrap:wrap;margin:6px 0 10px}.fund-monthly{border-left:1px solid #b7cfc1;padding-left:24px}.path-number .fund-monthly strong{font-size:24px;line-height:1.2}.path-number .fund-monthly span{font-size:12px;margin-top:4px}@media(max-width:420px){.fund-payoff-row{gap:12px}.fund-monthly{padding-left:12px}.path-number .fund-monthly strong{font-size:20px}.fund-payoff-row>strong{font-size:28px}}
.hero small{display:block;color:#b9ddd6;margin-top:12px;font-size:12px}.results>details>summary{font-size:15px}.results>details[open]>summary{margin-bottom:18px}.results>details:not([open]){padding:17px 22px}.results>details p{font-size:14px;color:var(--muted)}