:root {
    --ink: #365a75;
    --heading: #245577;
    --blue: #226eb9;
    --blue-hover: #175992;
    --muted: #64839a;
    --sky: #edf6fb;
    --mint: #e5f5f0;
    --line: #d4e5ec;
    --max: 1210px;
    --gutter: clamp(19px, 4vw, 52px);
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; background: #fff; color: var(--ink); font: 16px/1.65 system-ui, -apple-system, "Segoe UI", sans-serif; -webkit-font-smoothing: antialiased; }
h1, h2, h3, p, ul { margin: 0; }
h1, h2, h3 { color: var(--heading); line-height: 1.23; letter-spacing: -.032em; text-wrap: pretty; }
h1 { font-size: 40px; font-weight: 780; }
h2 { font-size: 28px; font-weight: 760; margin-bottom: 18px; }
h3 { font-size: 21px; font-weight: 740; margin-bottom: 11px; }
p { font-size: 16px; line-height: 1.68; }
p + p { margin-top: 17px; }
strong { color: var(--heading); }
ul { padding-left: 23px; }
li { padding-left: 4px; margin-bottom: 11px; }
li:last-child { margin-bottom: 0; }
a { color: var(--blue); text-decoration: none; }
a:hover { color: var(--blue-hover); }
a:focus-visible, button:focus-visible { outline: 3px solid #ea806c; outline-offset: 3px; }
.wrap { width: min(var(--max), calc(100% - var(--gutter) * 2)); margin: 0 auto; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; }

/* Navigation */
.site-header { border-bottom: 1px solid #e0ecf3; background: #fff; position: relative; z-index: 5; }
.header-inner { min-height: 83px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand { display: inline-flex; align-items: baseline; white-space: nowrap; font-size: 27px; font-weight: 820; letter-spacing: -.065em; }
.brand-symbol { display: inline-grid; place-items: center; width: 32px; height: 34px; margin-right: 4px; border-radius: 11px 11px 4px 10px; background: var(--blue); color: #fff; font-size: 25px; font-weight: 820; line-height: 1; }
.brand-name { color: var(--heading); }
.brand-dot { color: #e67c69; }
.main-nav { display: flex; align-items: center; gap: clamp(6px, 1.3vw, 19px); }
.main-nav a { padding: 10px 11px; font-size: 14px; font-weight: 720; color: #4d7188; border-radius: 8px; white-space: nowrap; }
.main-nav a:hover, .main-nav .is-active { color: var(--blue); background: #eaf4fb; }
.menu-toggle { display: none; }

/* Common sections */
.section { padding: clamp(48px, 5vw, 71px) 0; }
.section--wash { background: #edf6fb; }
.section--cool { background: #f7fafc; border-top: 1px solid #e9f0f4; }
.section--source { padding-block: 24px 30px; }
.eyebrow, .kicker { font-size: 12px; letter-spacing: .14em; font-weight: 840; line-height: 1.4; color: var(--blue); margin-bottom: 16px; }
.kicker { font-size: 11px; }
.actions { display: flex; flex-wrap: wrap; gap: 11px; margin-top: 27px; }
.btn { min-height: 45px; display: inline-flex; align-items: center; justify-content: center; padding: 11px 20px; font-size: 14px; font-weight: 750; line-height: 1.2; border: 1px solid var(--blue); border-radius: 9px; transition: .15s background-color; }
.btn-primary { background: var(--blue); color: #fff; }
.btn-primary:hover { background: var(--blue-hover); color: #fff; }
.btn-outline { color: var(--blue); background: transparent; }
.btn-outline:hover { background: #fff; }
.text-link { display: inline-block; width: fit-content; margin-top: 17px; border-bottom: 2px solid #a0c5df; padding-bottom: 3px; font-size: 15px; font-weight: 760; line-height: 1.5; }
.text-link:hover { border-color: var(--blue); }

/* Hero */
.intro { padding-block: clamp(39px, 4.5vw, 61px); background: #eff6fb; }
.intro--main { background: #eaf4fa; }
.intro--home { background: #e5f4f0; }
.intro-grid { display: grid; grid-template-columns: minmax(0, 1.6fr) minmax(315px, 1fr); align-items: center; gap: clamp(30px, 4.5vw, 65px); }
.intro-copy { min-width: 0; padding-block: 8px; }
.intro-copy h1 { max-width: 745px; }
.intro-copy .lead { max-width: 670px; margin-top: 21px; color: #53738c; line-height: 1.72; }
.intro-art { min-width: 0; }
.visual { position: relative; width: 100%; min-height: 285px; overflow: hidden; border-radius: 22px; background: #bce5e0; }
.visual--folio { padding: 22px 27px; }
.visual--folio::before { content: ""; position: absolute; width: 210px; height: 210px; right: -80px; top: -80px; border-radius: 50%; border: 1px solid #7dc7be; }
.folio { position: relative; transform: rotate(-3deg); padding: 23px 25px 17px; background: #fff; border-radius: 12px; border: 1px solid #b4dadf; box-shadow: 9px 9px 0 #88c9c2; }
.folio-mark { display: block; font-size: 11px; font-weight: 800; letter-spacing: .11em; color: #4c7e91; margin-bottom: 14px; }
.folio-line { display: flex; justify-content: space-between; align-items: center; gap: 10px; border-bottom: 1px solid #dce9ee; padding: 8px 0; font-size: 14px; }
.folio-line span:last-child { font-size: 19px; font-weight: 800; color: #25658e; }
.folio-total { border-top: 2px solid #a8dbd4; margin-top: 5px; border-bottom: 0; }
.folio-bottom { display: flex; justify-content: space-between; gap: 6px; margin: 20px 3px 0; color: #427b84; font-size: 11px; font-weight: 800; letter-spacing: .09em; }
.visual--scale { padding: 25px; display: grid; grid-template-columns: 1fr 1fr; align-content: center; gap: 12px; }
.scale-panel { background: #fff; border-radius: 14px; min-height: 204px; padding: 20px 12px; display: flex; flex-direction: column; justify-content: center; text-align: center; }
.scale-panel:nth-child(2) { background: #e9f5fb; }
.scale-label { color: #63879b; font-size: 11px; font-weight: 830; letter-spacing: .12em; }
.scale-panel strong { font-size: clamp(25px, 3vw, 36px); letter-spacing: -.05em; color: #256c9c; margin: 7px 0; }
.scale-panel p { font-size: 12px; color: #65859b; line-height: 1.3; }
.scale-foot { display: block; grid-column: 1/-1; text-align: center; font-size: 10px; font-weight: 800; letter-spacing: .14em; color: #447c7e; }
.visual--amount { padding: 22px; display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.visual--amount > div { background: #fff; padding: 13px; border-radius: 13px; display: flex; flex-direction: column; justify-content: center; }
.visual--amount .amount-left { grid-row: span 2; }
.visual--amount .amount-right { background: #e9f4fa; }
.visual--amount .amount-end { background: #f6fbfd; }
.amount-label, .amount-foot { font-size: 10px; color: #67879b; }
.amount-label { font-weight: 850; letter-spacing: .11em; }
.visual--amount strong { font-size: 63px; color: #2a78b4; line-height: 1.2; }
.visual--consol { padding: 24px; display: grid; grid-template-columns: 1fr 1fr; align-content: center; gap: 14px; }
.consol-before, .consol-after { min-height: 195px; background: #fff; border-radius: 14px; padding: 18px 14px; }
.consol-after { background: #e9f4fa; }
.compact-label { font-size: 11px; letter-spacing: .12em; font-weight: 800; color: #66899b; }
.mini-lines { display: grid; gap: 8px; margin-block: 19px; }
.mini-lines i { display: block; height: 12px; background: #91bfd9; border-radius: 4px; }
.mini-lines i:nth-child(2) { width: 80%; }
.mini-lines i:nth-child(3) { width: 65%; }
.mini-lines.single { margin-top: 40px; }
.mini-lines.single i { background: #397bb1; height: 19px; }
.consol-before p, .consol-after p { font-size: 12px; line-height: 1.3; }
.consol-foot { grid-column: 1/-1; text-align: center; font-size: 12px; font-weight: 740; color: #427878; }
.visual--rrso { display: flex; flex-direction: column; justify-content: center; padding: 32px; }
.rrso-word { font-size: clamp(77px, 8vw, 102px); line-height: 1; font-weight: 850; letter-spacing: -.075em; color: #2775ad; position: relative; z-index: 1; }
.rrso-not { position: absolute; right: 32px; top: 11px; font-size: 82px; font-weight: 750; color: #67b9ad; }
.rrso-sub { font-size: 23px; font-weight: 740; letter-spacing: -.04em; color: #366a82; z-index: 1; }
.rrso-orbits { width: 230px; height: 230px; position: absolute; right: -45px; bottom: -83px; border: 2px solid #89cbc1; border-radius: 50%; }
.rrso-orbits::before { content: ""; position: absolute; inset: 22px; border: 2px solid #a6ddd6; border-radius: 50%; }
.visual--percent { padding: 21px; display: grid; grid-template-columns: 1fr 115px; align-items: center; justify-items: center; }
.percent-orb { width: 210px; height: 210px; background: #fff; border: 16px solid #ddf4ef; outline: 2px solid #7bc9bc; outline-offset: 4px; border-radius: 50%; display: flex; flex-direction: column; align-items: center; justify-content: center; }
.percent-orb .tiny { font-size: 11px; letter-spacing: .12em; color: #64889c; font-weight: 780; }
.percent-orb strong { font-size: 94px; line-height: 1; color: #2877b3; }
.percent-micro { display: flex; flex-direction: column; gap: 10px; }
.percent-micro span { width: 100px; padding: 9px; background: #fff; border-radius: 8px; font-size: 11px; text-align: center; font-weight: 760; }
.visual--fee { padding: 25px; display: grid; grid-template-columns: 1fr 1fr; align-content: center; gap: 14px; }
.fee-tile { min-height: 188px; background: #fff; border-radius: 14px; display: flex; flex-direction: column; align-items: center; justify-content: center; }
.fee-other { background: #eaf5fb; }
.fee-title { font-size: 11px; letter-spacing: .12em; color: #66899d; font-weight: 790; }
.fee-tile strong { font-size: 75px; color: #2c7bb4; line-height: 1.3; }
.fee-foot { grid-column: 1/-1; font-size: 12px; text-align: center; font-weight: 680; color: #44787e; }
.visual--ability { padding: 30px; display: flex; flex-direction: column; gap: 11px; justify-content: center; }
.ability-line { display: flex; justify-content: space-between; align-items: center; padding: 12px 16px; border-radius: 9px; background: #fff; font-weight: 800; font-size: 13px; }
.ability-line b { color: #377eaf; font-size: 19px; line-height: 1; }
.ability-result { background: #337fac; color: #fff; }
.ability-result b { color: #fff; }
.visual--repay { padding: 24px; display: flex; gap: 14px; align-items: center; }
.repay-sheet { min-height: 226px; flex: 1; padding: 22px; background: #fff; border-radius: 15px; font-size: 12px; letter-spacing: .1em; font-weight: 800; }
.repay-dashes { display: grid; gap: 14px; margin-top: 29px; }
.repay-dashes i { height: 12px; background: #d4e6ee; border-radius: 4px; }
.repay-dashes i:nth-child(even) { width: 76%; }
.repay-mark { display: grid; place-content: center; justify-items: center; width: 88px; height: 88px; flex: none; border-radius: 50%; background: #2f82b7; color: #fff; }
.repay-mark span { font-size: 10px; font-weight: 800; }
.repay-mark strong { font-size: 42px; color: #fff; line-height: 1; }
.repay-foot { position: absolute; bottom: 6px; right: 19px; font-size: 11px; font-weight: 760; color: #397781; }

/* Balanced split sections */
.split { display: grid; column-gap: clamp(28px, 5vw, 75px); align-items: start; }
.split > * { min-width: 0; }
.two-one { grid-template-columns: minmax(0,2fr) minmax(280px,1fr); }
.one-two { grid-template-columns: minmax(270px,1fr) minmax(0,2fr); }
.split--formula { align-items: center; }
.side-note { padding: 27px 25px 24px; background: #e7f3fa; border: 1px solid #cee2eb; border-radius: 16px; }
.side-note--mint { background: #e7f6f1; border-color: #b9e1d5; }
.side-note h3 { font-size: 22px; }
.side-note p:not(.kicker) { color: #52748c; }
.side-note::after { content: ""; display: block; width: 90px; height: 29px; margin-top: 25px; border-radius: 22px 22px 6px 6px; background: linear-gradient(90deg,#8ac8ce 0 33%,#c6e9df 33% 66%,#7cb4d1 66%); }
.info-rows { margin-top: 24px; border-top: 1px solid var(--line); }
.info-row { display: grid; grid-template-columns: minmax(105px,30%) 1fr; gap: 17px; padding: 10px 0; border-bottom: 1px solid var(--line); }
.info-row p { margin: 0; font-size: 14px; line-height: 1.45; }
.row-key { font-weight: 780; color: #3375a5; }
.row-val { color: #55768d; }
.feature-pair { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; margin-top: 26px; }
.feature-pair .feature { background: #fff; border-top: 4px solid #7db7d2; border-radius: 13px; padding: 28px; }
.feature-pair .feature--teal { border-color: #73bdaf; }
.feature p { color: #55758d; }
.feature-trio { display: grid; grid-template-columns: repeat(3,minmax(0,1fr)); gap: 28px; margin-top: 27px; }
.feature-trio .feature { border-left: 3px solid #8ccfc6; padding: 0 0 0 19px; }
.feature-trio .feature:nth-child(2) { border-color: #8cbee0; }
.feature-trio .feature:nth-child(3) { border-color: #efab97; }
.feature-trio h3 { font-size: 20px; }
.compare-duo { display: grid; grid-template-columns: 1fr 1fr; gap: 19px; margin-top: 27px; }
.compare-panel { background: #fff; border-left: 4px solid #7cbcd7; padding: 26px 28px; }
.compare-panel--alt { border-color: #78c5b7; }
.section-tail { margin-top: 23px; }
.check-sheet { padding: 26px 26px; border-left: 4px solid #7bbbd8; border-radius: 13px; background: #eff7fb; }
.check-sheet li { font-size: 15px; line-height: 1.65; }
.formula-cell { padding: 17px 19px; background: #e9f5fb; border-radius: 12px; display: grid; grid-template-columns: 83px 1fr; gap: 2px 15px; align-items: center; }
.formula-cell + .formula-cell { margin-top: 12px; background: #e6f5ef; }
.formula-name { font-size: 11px; font-weight: 830; letter-spacing: .1em; color: #64889c; }
.formula-value { font-size: 25px; letter-spacing: -.045em; color: #2675af; }
.formula-cell p { grid-column: 2; margin: 0; font-size: 13px; color: #54788c; }
.decision-step { padding-block: 13px 16px; border-bottom: 1px solid var(--line); }
.decision-step:first-child { padding-top: 0; }
.decision-step:last-child { padding-bottom: 0; border-bottom: 0; }
.decision-num { font-size: 11px; font-weight: 800; letter-spacing: .1em; color: var(--blue); margin-bottom: 5px; }
.decision-step h3 { font-size: 19px; margin-bottom: 7px; }
.decision-step p:last-child { font-size: 14px; color: #5a788c; }
.formula-code { padding: 15px; margin: 18px 0; border: 1px solid var(--line); border-radius: 8px; background: #fff; text-align: center; overflow-wrap: anywhere; }
.formula-code code { font: 17px/1.5 ui-monospace, monospace; color: #2772a8; }
.formula-code sup { font-size: .6em; }
.source-block { border-top: 1px solid var(--line); padding-top: 18px; }
.source-copy { color: #63819a; font-size: 12px; line-height: 1.6; }
.source-block .kicker { font-size: 10px; margin-bottom: 9px; }

/* Footer */
.site-footer { background: #e4f1f8; border-top: 1px solid #d1e3eb; padding: 46px 0 54px; }
.footer-grid { display: grid; grid-template-columns: 1.4fr repeat(3,minmax(0,1fr)); gap: 42px; }
.footer-brand { display: flex; align-items: baseline; font-size: 23px; font-weight: 800; letter-spacing: -.05em; }
.footer-brand .brand-symbol { width: 30px; height: 31px; font-size: 22px; }
.footer-copyright { font-size: 13px; color: #65859b; margin-top: 20px; }
.footer-head { font-size: 11px; font-weight: 800; letter-spacing: .1em; color: #63869d; margin-bottom: 17px; }
.footer-links { display: flex; flex-direction: column; align-items: flex-start; }
.footer-links a { font-size: 14px; font-weight: 670; color: #416782; margin-bottom: 11px; }
.footer-links a:hover { color: var(--blue); text-decoration: underline; }

@media (min-width: 1920px) {
    :root { --max: 1320px; }
    .intro { padding-block: 65px; }
}
@media (max-width: 1180px) {
    .main-nav { gap: 3px; }
    .main-nav a { padding-inline: 8px; font-size: 13px; }
    .intro-grid { grid-template-columns: minmax(0,1.45fr) minmax(280px,1fr); gap: 30px; }
    .split { column-gap: 30px; }
    .two-one { grid-template-columns: minmax(0,1.8fr) minmax(255px,1fr); }
    .one-two { grid-template-columns: minmax(255px,1fr) minmax(0,1.8fr); }
    .visual { min-height: 270px; }
    .side-note { padding: 22px; }
}
@media (max-width: 940px) {
    .menu-toggle { width: 44px; height: 43px; padding: 11px; background: #e8f3f9; border: 1px solid #c8e0ed; border-radius: 9px; display: flex; flex-direction: column; justify-content: center; gap: 5px; cursor: pointer; }
    .menu-bar { height: 2px; background: var(--heading); width: 100%; }
    .header-inner { min-height: 76px; flex-wrap: wrap; row-gap: 0; }
    .main-nav { display: none; width: 100%; flex-basis: 100%; padding-bottom: 15px; flex-direction: column; align-items: stretch; }
    .menu-open .main-nav { display: flex; }
    .main-nav a { padding: 11px 13px; font-size: 15px; border-bottom: 1px solid #e8eff4; }
    .intro-grid { grid-template-columns: minmax(0,1.45fr) minmax(235px,.95fr); gap: 23px; }
    .intro-copy .lead { line-height: 1.57; }
    .two-one { grid-template-columns: minmax(0,1.5fr) minmax(225px,1fr); }
    .one-two { grid-template-columns: minmax(235px,1fr) minmax(0,1.5fr); }
    .visual--percent { grid-template-columns: 1fr; }
    .percent-orb { width: 168px; height: 168px; }
    .percent-micro { flex-direction: row; gap: 5px; }
    .percent-micro span { width: auto; padding: 6px; font-size: 10px; }
    .footer-grid { grid-template-columns: repeat(3,1fr); gap: 24px; }
    .footer-identity { grid-column: 1/-1; }
    .footer-copyright { margin-top: 8px; }
}
@media (max-width: 730px) {
    .intro-grid, .two-one, .one-two { grid-template-columns: 1fr; }
    .intro { padding-block: 37px; }
    .intro-grid { gap: 25px; }
    .visual { max-width: 470px; min-height: 250px; }
    .section { padding-block: 43px; }
    .section--source { padding-block: 22px 30px; }
    .split { row-gap: 24px; }
    .side-note::after { margin-top: 18px; height: 19px; }
    .feature-pair, .compare-duo { grid-template-columns: 1fr; gap: 13px; }
    .feature-trio { grid-template-columns: 1fr; gap: 23px; }
    .feature-trio .feature { padding-left: 17px; }
    .footer-grid { grid-template-columns: repeat(2,minmax(0,1fr)); }
    .footer-identity { grid-column: 1/-1; }
}
@media (max-width: 460px) {
    :root { --gutter: 18px; }
    .brand { font-size: 24px; }
    .btn { padding-inline: 15px; }
    .intro .actions { gap: 9px; }
    .visual--folio { padding: 18px 24px; }
    .folio { padding: 18px 20px; }
    .visual--amount, .visual--consol { padding: 16px; }
    .consol-before, .consol-after { padding: 16px 12px; }
    .visual--rrso { padding: 25px; }
    .rrso-word { font-size: 80px; }
    .visual--percent { grid-template-columns: 1fr 85px; }
    .percent-orb { width: 174px; height: 174px; }
    .percent-micro { flex-direction: column; }
    .percent-micro span { width: 83px; }
    .visual--repay { padding: 17px; }
    .repay-mark { width: 80px; height: 80px; }
    .feature-pair .feature, .compare-panel { padding: 23px; }
    .formula-cell { grid-template-columns: 73px 1fr; padding: 16px; gap: 10px; }
    .formula-code code { font-size: 13px; }
}
@media (max-width: 360px) {
    .intro .actions .btn { width: 100%; }
    .rrso-word { font-size: 71px; }
    .visual--percent { grid-template-columns: 1fr; }
    .percent-micro { flex-direction: row; }
    .percent-micro span { width: auto; }
}
@media (prefers-reduced-motion: reduce) {
    html { scroll-behavior: auto; }
    *, *::before, *::after { transition: none !important; }
}

h1, h2, h3 { hyphens: auto; overflow-wrap: anywhere; }