:root{--gt-primary:var(--green);--gt-primary-dark:var(--green-dark);--gt-accent:var(--gold);--gt-surface:#fff;--gt-soft:var(--soft);--gt-border:var(--line);--gt-text:var(--ink);--gt-muted:var(--muted);--gt-radius:16px}
.tools-hero,.calculator-page-head{padding:62px 0;background:linear-gradient(125deg,#eef8f5,#fff)}.tools-hero-grid{display:grid;grid-template-columns:1.2fr .8fr;align-items:center;gap:60px}.tools-hero h1,.calculator-page-head h1{max-width:830px;margin:8px 0 15px;font-size:clamp(40px,5vw,62px);line-height:1.1;letter-spacing:-1.8px}.tools-hero h1 strong{display:block;color:var(--green)}.tools-hero p,.calculator-page-head>div>p:last-child{max-width:760px;color:var(--muted);font-size:18px}.tools-hero-note{padding:24px;border:1px solid #cae1db;border-radius:18px;background:#fff;box-shadow:var(--shadow)}.tools-hero-note b{font-size:19px}.tools-hero-note ol{display:grid;gap:8px;margin:13px 0 0;padding-right:20px;color:var(--muted)}.tools-directory{padding:68px 0}.tools-heading{display:flex;align-items:end;justify-content:space-between;gap:35px;margin-bottom:26px}.tools-heading h2{margin:4px 0;font-size:34px}.tools-heading>p{max-width:540px;color:var(--muted)}.tools-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.tool-card{display:flex;min-height:300px;flex-direction:column;padding:25px;border:1px solid var(--line);border-radius:18px;background:#fff;box-shadow:0 12px 34px rgba(16,61,54,.06)}.tool-card-featured{color:#fff;border:0;background:linear-gradient(135deg,var(--green-dark),var(--green))}.tool-card-icon{display:grid;width:48px;height:48px;place-items:center;border-radius:13px;color:#fff;background:var(--green);font-size:20px;font-weight:950}.tool-card-featured .tool-card-icon{color:var(--green-dark);background:#fff}.tool-card small{margin-top:19px;color:var(--green);font-weight:900}.tool-card-featured small,.tool-card-featured p{color:#d3e8e4}.tool-card h3{margin:5px 0;font-size:23px}.tool-card p{color:var(--muted);line-height:1.65}.tool-card>b{margin-top:auto;padding-top:17px;border-top:1px solid var(--line);color:var(--green-dark)}.tool-card-featured>b{color:#fff;border-color:rgba(255,255,255,.2)}.tool-card-upcoming{background:#f7faf9}.calculator-page-body{padding:38px 0 65px}.calculator-message{margin-bottom:18px;padding:13px 16px;border-radius:10px;font-weight:800}.calculator-message.is-success{color:#08765c;background:#e8f6ef}.calculator-message.is-error{color:#97463c;background:#fff0ed}.calculator-method{padding:58px 0;background:var(--soft)}.calculator-method-grid{display:grid;grid-template-columns:1fr 1fr;gap:35px}.calculator-method h2{margin:4px 0;font-size:30px}.calculator-method h3{margin:0;font-size:22px}.calculator-method p,.calculator-method li{color:var(--muted)}.calculator-sources a{color:var(--green-dark);font-weight:800;text-decoration:underline}
@media(max-width:900px){.tools-hero-grid,.calculator-method-grid{grid-template-columns:1fr}.tools-grid{grid-template-columns:1fr 1fr}.tools-heading{align-items:flex-start;flex-direction:column}}
@media(max-width:620px){.tools-hero,.calculator-page-head{padding:38px 0}.tools-hero h1,.calculator-page-head h1{font-size:36px;letter-spacing:-1px}.tools-hero p,.calculator-page-head>div>p:last-child{font-size:15px}.tools-grid{grid-template-columns:1fr}.tool-card{min-height:250px;padding:21px}.tools-directory,.calculator-method{padding:44px 0}.calculator-page-body{padding:25px 0 45px}.calculator-method-grid{gap:20px}}

/* Future savings calculator — same approved GemelTest system. */
.calculator-page-body .ins-growth-calc{--growth-primary:var(--green);--growth-primary-dark:var(--green-dark);--growth-soft:#eef7f4;--growth-border:var(--line);--growth-border-strong:#bfd4ce;--growth-text:var(--ink);--growth-muted:var(--muted);--growth-glow:rgba(8,125,112,.12);padding:0!important;border:0!important;border-radius:0!important;background:transparent!important;box-shadow:none!important}
.calculator-page-body .ins-growth-calc__header{display:none}.calculator-page-body .ins-growth-calc__grid{grid-template-columns:minmax(0,1.08fr) minmax(380px,.92fr);gap:28px;align-items:start}
.calculator-page-body .ins-growth-calc__panel{padding:28px;border:1px solid #d6e4e0;border-radius:18px!important;background:#fff;box-shadow:0 14px 38px rgba(16,44,44,.055)}.calculator-page-body .ins-growth-calc__inputs{grid-column:1}.calculator-page-body .ins-growth-calc__results{grid-column:2;top:112px;background:#f7faf9}
.calculator-page-body .ins-growth-calc__section-title{align-items:flex-start;margin-bottom:20px;padding-bottom:18px;border-bottom:1px solid var(--line)}.calculator-page-body .ins-growth-calc__section-title strong{font-size:24px}.calculator-page-body .ins-growth-calc__section-title span{font-size:13px}
.ins-growth-mode{display:grid;grid-template-columns:1fr 1fr;gap:6px;margin-bottom:18px;padding:5px;border-radius:12px;background:#edf5f2}.ins-growth-mode button{min-height:46px;border:0;border-radius:9px;color:#49605e;background:transparent;font:inherit;font-weight:850;cursor:pointer}.ins-growth-mode button.is-active{color:#fff;background:var(--green);box-shadow:0 7px 18px rgba(8,125,112,.17)}
.ins-growth-portfolio-import{display:flex;align-items:center;justify-content:space-between;gap:16px;margin-bottom:20px;padding:14px 16px;border:1px solid #c9e2db;border-radius:12px;background:#f1f9f6}.ins-growth-portfolio-import[hidden]{display:none}.ins-growth-portfolio-import div{display:grid}.ins-growth-portfolio-import strong{font-size:14px}.ins-growth-portfolio-import span{color:var(--muted);font-size:12px}.ins-growth-portfolio-import button{min-height:39px;padding:0 14px;border:1px solid var(--green);border-radius:9px;color:var(--green-dark);background:#fff;font:inherit;font-size:12px;font-weight:850;cursor:pointer}.ins-growth-portfolio-import.is-imported{border-color:#8bc4b6;background:#e7f6f1}
.calculator-page-body .ins-growth-field{gap:9px;margin-bottom:19px}.calculator-page-body .ins-growth-field[hidden]{display:none}.calculator-page-body .ins-growth-field label{font-size:15px;font-weight:850}.calculator-page-body .ins-growth-field>small{color:var(--muted);font-size:12px}
.calculator-page-body .ins-growth-input{min-height:54px;padding-inline:16px;border:1px solid #c9dad5!important;border-radius:11px!important;background:#fbfdfc!important;box-shadow:none!important}.calculator-page-body .ins-growth-input:hover{border-color:#9dc7bd!important}.calculator-page-body .ins-growth-input:focus-within{border-color:var(--green)!important;box-shadow:0 0 0 3px rgba(8,125,112,.11)!important}.calculator-page-body .ins-growth-input input{min-height:52px;padding:0;font-size:17px;font-weight:850}
.calculator-page-body .ins-growth-range{height:6px;margin-top:4px;background:#dfeae7}.calculator-page-body .ins-growth-range::-webkit-slider-thumb{background:var(--green)}.calculator-page-body .ins-growth-range::-moz-range-thumb{background:var(--green)}
.calculator-page-body .ins-growth-years{gap:9px}.calculator-page-body .ins-growth-years button{min-height:48px;padding:8px;border-color:#cfe0db;border-radius:11px;color:#29413f;background:#f8fbfa}.calculator-page-body .ins-growth-years button:hover{border-color:var(--green);color:var(--green-dark);background:#eef7f4}.calculator-page-body .ins-growth-years button.is-active{border-color:var(--green);color:#fff;background:var(--green);box-shadow:0 8px 20px rgba(8,125,112,.18)}
.calculator-page-body .ins-growth-advanced{margin-top:20px;padding-top:19px}.calculator-page-body .ins-growth-advanced summary{color:var(--green-dark)}
.calculator-page-body .ins-growth-result-main{padding:28px;border-radius:15px!important;background:linear-gradient(125deg,var(--green-dark),#0b8b7c);box-shadow:none}.calculator-page-body .ins-growth-result-main strong{font-size:clamp(38px,4vw,54px)}
.calculator-page-body .ins-growth-result-cards{gap:10px;margin-top:21px}.calculator-page-body .ins-growth-result-cards div{min-height:105px;padding:16px;border:0!important;border-radius:12px!important;background:#edf5f2!important}.calculator-page-body .ins-growth-result-cards span{font-size:12px}.calculator-page-body .ins-growth-result-cards strong{font-size:19px}
.calculator-page-body .ins-growth-insight{margin-top:18px;padding:17px 18px;border:1px solid #c9e2db!important;border-radius:13px!important;background:#eef7f4!important}.calculator-page-body .ins-growth-insight strong{color:var(--green-dark)}.calculator-page-body .ins-growth-insight p{color:#38514e;font-size:14px}
.calculator-page-body .ins-growth-calc .ins-calc__cta{margin-top:28px!important;padding:28px!important;border:0!important;border-radius:18px!important;color:#fff;background:var(--ink)!important;box-shadow:none!important}.calculator-page-body .ins-growth-calc .ins-calc__cta h3,.calculator-page-body .ins-growth-calc .ins-calc__cta p{color:#fff}.calculator-page-body .ins-growth-calc .ins-calc__cta p{opacity:.78}.calculator-page-body .ins-growth-calc .ins-calc__lead-form input{min-height:50px;border:1px solid rgba(255,255,255,.26)!important;border-radius:10px!important;color:var(--ink);background:#fff}.calculator-page-body .ins-growth-calc .ins-calc__lead-form button{min-height:50px;border-radius:10px!important;background:var(--green)!important}.calculator-page-body .ins-growth-calc .ins-calc__consent,.calculator-page-body .ins-growth-calc .ins-calc__privacy{color:#d8e5e2!important}.calculator-page-body .ins-growth-disclaimer{margin-top:20px;padding:15px 18px;border-right:3px solid #b8d5cd;color:var(--muted);background:#f7faf9;font-size:12px}
@media(min-width:901px){.tools-grid{grid-template-columns:repeat(2,1fr)}}
@media(min-width:901px){.tools-grid .tool-card-featured{grid-column:1/-1;min-height:250px}}

/* Calculator design system — shared across every published calculator */
.gemeltest-calculator-page .calculator-page-head{padding:54px 0 48px}.gemeltest-calculator-page .calculator-page-head .shell{display:grid;gap:0}.gemeltest-calculator-page .breadcrumbs{display:flex;align-items:center;gap:8px;margin-bottom:22px;color:var(--muted);font-size:13px}.gemeltest-calculator-page .breadcrumbs a{color:var(--green-dark);font-weight:800}.gemeltest-calculator-page .calculator-page-head .eyebrow{margin-bottom:8px}.gemeltest-calculator-page .calculator-page-head h1{max-width:900px;margin:0 0 13px;font-size:clamp(36px,4.4vw,56px);line-height:1.12;letter-spacing:-1.7px}.gemeltest-calculator-page .calculator-page-head .shell>p:last-child{max-width:820px;margin:0;color:var(--muted);font-size:17px;line-height:1.7}.gemeltest-calculator-page .calculator-page-body{background:#fff}.gemeltest-calculator-page .ins-calc{--calc-primary:#087d70;--calc-dark:#075f57;--calc-soft:#eef7f4;--calc-line:#d4e3df;--calc-muted:#607374;box-sizing:border-box;padding:0!important;border:0!important;border-radius:0!important;background:transparent!important;box-shadow:none!important;color:var(--ink)}.gemeltest-calculator-page .ins-calc *{box-sizing:border-box}.gemeltest-calculator-page :is(.ins-growth-calc__header,.ins-fees-header,.ins-pension-calc__header){display:none}.gemeltest-calculator-page :is(.ins-growth-calc__grid,.ins-fees-grid,.ins-pension-grid,.ins-tax-grid,.ins-his-grid){grid-template-columns:minmax(0,1.06fr) minmax(380px,.94fr)!important;gap:24px!important}.gemeltest-calculator-page :is(.ins-growth-calc__panel,.ins-fees-panel,.ins-pension-panel,.ins-tax-panel,.ins-his-panel){padding:26px!important;border:1px solid var(--calc-line)!important;border-radius:18px!important;background:#fff!important;box-shadow:0 14px 38px rgba(16,44,44,.055)!important}.gemeltest-calculator-page :is(.ins-growth-calc__results,.ins-fees-results,.ins-pension-results,.ins-tax-results,.ins-his-results){top:104px!important;background:#f8fbfa!important}.gemeltest-calculator-page :is(.ins-growth-calc__section-title,.ins-fees-section-title,.ins-pension-section-title,.ins-tax-section-title,.ins-his-title){align-items:flex-start!important;margin-bottom:20px!important;padding-bottom:17px!important;border-bottom:1px solid var(--calc-line)!important}.gemeltest-calculator-page :is(.ins-growth-calc__section-title,.ins-fees-section-title,.ins-pension-section-title,.ins-tax-section-title,.ins-his-title)>:first-child{font-size:23px!important;line-height:1.3}.gemeltest-calculator-page :is(.ins-growth-field,.ins-fees-field,.ins-pension-field,.ins-tax-field,.ins-his-field){gap:8px!important;margin-bottom:18px!important;font-size:15px!important}.gemeltest-calculator-page :is(.ins-growth-input,.ins-fees-input,.ins-pension-input,.ins-tax-input,.ins-his-input){min-height:54px!important;padding-inline:15px!important;border:1px solid #bfd3ce!important;border-radius:11px!important;background:#fff!important}.gemeltest-calculator-page :is(.ins-growth-input,.ins-fees-input,.ins-pension-input,.ins-tax-input,.ins-his-input):focus-within{border-color:var(--calc-primary)!important;box-shadow:0 0 0 3px rgba(8,125,112,.11)!important}.gemeltest-calculator-page :is(.ins-growth-input,.ins-fees-input,.ins-pension-input,.ins-tax-input,.ins-his-input) input{min-height:52px!important;padding:0!important;font-size:17px!important;font-weight:850!important}.gemeltest-calculator-page :is(.ins-growth-years,.ins-fees-years,.ins-pension-type-switch,.ins-his-years,.ins-his-tabs) button{min-height:46px!important;border-radius:999px!important}.gemeltest-calculator-page :is(.ins-growth-result-main,.ins-fees-main-result,.ins-pension-main-result,.ins-tax-main-result,.ins-his-main){padding:28px!important;border-radius:15px!important;background:linear-gradient(125deg,var(--calc-dark),#0b8b7c)!important;box-shadow:none!important}.gemeltest-calculator-page :is(.ins-growth-result-main,.ins-fees-main-result,.ins-pension-main-result,.ins-tax-main-result,.ins-his-main) strong{font-size:clamp(38px,4vw,54px)!important;letter-spacing:-.035em!important}.gemeltest-calculator-page :is(.ins-growth-result-cards,.ins-fees-result-cards,.ins-pension-result-cards,.ins-tax-result-cards,.ins-his-cards){gap:10px!important;margin-top:18px!important}.gemeltest-calculator-page :is(.ins-growth-result-cards,.ins-fees-result-cards,.ins-pension-result-cards,.ins-tax-result-cards,.ins-his-cards)>div{min-height:104px!important;padding:16px!important;border:1px solid #dce8e5!important;border-radius:12px!important;background:#fff!important}.gemeltest-calculator-page :is(.ins-growth-insight,.ins-fees-insight,.ins-pension-insight,.ins-tax-insight,.ins-his-insight){margin-top:16px!important;padding:17px 18px!important;border:1px solid #cfe1dc!important;border-right:4px solid var(--calc-primary)!important;border-radius:12px!important;background:var(--calc-soft)!important}.gemeltest-calculator-page :is(.ins-growth-disclaimer,.ins-fees-disclaimer,.ins-tax-disclaimer,.ins-his-disclaimer){margin:18px 0 0!important;padding:14px 17px!important;border-right:3px solid #b8d5cd!important;border-radius:8px!important;background:#f7faf9!important;color:var(--calc-muted)!important;font-size:12px!important;line-height:1.75!important}.gemeltest-calculator-page .ins-calc__cta{margin-top:28px!important;padding:28px!important;border:0!important;border-radius:18px!important;color:#fff!important;background:#102c2c!important}.gemeltest-calculator-page .ins-calc__cta h3{margin:0 0 5px!important;color:#fff!important;font-size:25px!important}.gemeltest-calculator-page .ins-calc__cta>p{margin:0 0 20px!important;color:#d8e5e2!important}.gemeltest-calculator-page .ins-calc__lead-form{display:grid!important;grid-template-columns:1fr 1fr 1fr!important;gap:12px!important}.gemeltest-calculator-page .ins-calc__lead-field{display:grid;gap:6px;color:#fff;font-size:13px;font-weight:850}.gemeltest-calculator-page .ins-calc__lead-field span small{color:#b9cbc7;font-weight:500}.gemeltest-calculator-page .ins-calc__lead-field input{width:100%;min-height:50px;padding:0 14px!important;border:1px solid rgba(255,255,255,.2)!important;border-radius:10px!important;background:#fff!important;color:var(--ink)!important;font-size:16px!important}.gemeltest-calculator-page .ins-calc__lead-form>button{grid-column:1/-1;justify-self:start;min-height:50px;padding:0 24px!important;border:0!important;border-radius:10px!important;color:#fff!important;background:var(--calc-primary)!important;font:inherit!important;font-weight:900!important;cursor:pointer}.gemeltest-calculator-page :is(.ins-calc__consent,.ins-calc__privacy){grid-column:1/-1!important;color:#d8e5e2!important;font-size:11px!important}.gemeltest-calculator-page .ins-calc__consent a{text-decoration:underline}.gemeltest-calculator-page .calculator-method{padding:54px 0}.gemeltest-calculator-page .calculator-method-grid{gap:48px}.gemeltest-calculator-page .calculator-method article{padding:0}.gemeltest-calculator-page .calculator-method h2{font-size:30px;line-height:1.3}.gemeltest-calculator-page .calculator-method h3{font-size:22px}.gemeltest-calculator-page .calculator-method p,.gemeltest-calculator-page .calculator-method li{font-size:14px;line-height:1.75}
@media(max-width:900px){.gemeltest-calculator-page :is(.ins-growth-calc__grid,.ins-fees-grid,.ins-pension-grid,.ins-tax-grid,.ins-his-grid){grid-template-columns:1fr!important}.gemeltest-calculator-page :is(.ins-growth-calc__results,.ins-fees-results,.ins-pension-results,.ins-tax-results,.ins-his-results){position:static!important}.gemeltest-calculator-page .ins-calc__lead-form{grid-template-columns:1fr 1fr!important}}
@media(max-width:620px){.gemeltest-calculator-page .calculator-page-head{padding:36px 0 32px}.gemeltest-calculator-page .calculator-page-head h1{font-size:34px;letter-spacing:-1px}.gemeltest-calculator-page .calculator-page-head .shell>p:last-child{font-size:15px}.gemeltest-calculator-page :is(.ins-growth-calc__panel,.ins-fees-panel,.ins-pension-panel,.ins-tax-panel,.ins-his-panel){padding:18px!important}.gemeltest-calculator-page :is(.ins-growth-result-cards,.ins-fees-result-cards,.ins-pension-result-cards,.ins-tax-result-cards,.ins-his-cards){grid-template-columns:1fr 1fr!important}.gemeltest-calculator-page .ins-calc__cta{padding:20px!important}.gemeltest-calculator-page .ins-calc__lead-form{grid-template-columns:1fr!important}.gemeltest-calculator-page .ins-calc__lead-form>button{width:100%}.gemeltest-calculator-page .calculator-method-grid{gap:25px}}
@media(max-width:900px){.calculator-page-body .ins-growth-calc__grid{grid-template-columns:1fr}.calculator-page-body .ins-growth-calc__inputs,.calculator-page-body .ins-growth-calc__results{grid-column:1}.calculator-page-body .ins-growth-calc__results{grid-row:2}}
@media(max-width:620px){.calculator-page-body .ins-growth-calc{padding:0!important}.calculator-page-body .ins-growth-calc__panel{padding:18px;border-radius:15px!important}.calculator-page-body .ins-growth-calc__section-title{display:block}.calculator-page-body .ins-growth-calc__section-title span{display:block;margin-top:6px}.ins-growth-portfolio-import{align-items:stretch;flex-direction:column}.ins-growth-portfolio-import button{min-height:43px}.calculator-page-body .ins-growth-years{grid-template-columns:repeat(5,1fr)!important;gap:5px}.calculator-page-body .ins-growth-years button{min-height:43px;padding-inline:3px}.calculator-page-body .ins-growth-result-cards{grid-template-columns:1fr 1fr!important}.calculator-page-body .ins-growth-calc .ins-calc__cta{padding:20px!important}}

/* Study fund calculator — explanatory content around the shared calculator system. */
.study-usage,.study-clarity,.study-sources,.study-next-step{padding:58px 0}.study-usage-heading{display:grid;grid-template-columns:1fr 1fr;gap:8px 48px;align-items:end;margin-bottom:28px}.study-usage-heading .eyebrow{grid-column:1/-1}.study-usage-heading h2,.study-clarity h2,.study-sources h2,.study-next-step h2{margin:0;font-size:clamp(28px,3vw,38px);line-height:1.3}.study-usage-heading>p:last-child,.study-clarity p,.study-sources p,.study-next-step p,.study-clarity li{margin:0;color:var(--muted);line-height:1.75}.study-usage-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:0;padding:0;list-style:none}.study-usage-steps li{display:flex;gap:14px;min-height:145px;padding:21px;border:1px solid var(--line);border-radius:15px;background:#fff}.study-usage-steps>li>span{display:grid;flex:0 0 38px;height:38px;place-items:center;border-radius:50%;color:#fff;background:var(--green);font-weight:900}.study-usage-steps strong{display:block;font-size:18px}.study-usage-steps p{margin:5px 0 0;color:var(--muted);font-size:14px;line-height:1.65}.study-clarity{background:#fff}.study-clarity-grid,.study-sources-grid,.study-next-step .shell{display:grid;grid-template-columns:1fr 1fr;gap:48px}.study-clarity article:last-child{padding:25px;border:1px solid var(--line);border-radius:16px;background:#fafcfb}.study-clarity h3{margin:0 0 10px;font-size:22px}.study-clarity ul{margin:0;padding-right:20px}.study-sources{background:var(--soft)}.study-source-links,.study-next-links{display:grid;gap:10px}.study-source-links a,.study-next-links a{display:flex;align-items:center;justify-content:space-between;min-height:50px;padding:10px 16px;border:1px solid #cfe1dc;border-radius:10px;color:var(--green-dark);background:#fff;font-weight:850}.study-source-links a:after,.study-next-links a:after{content:'←';margin-right:15px}.study-source-links a:hover,.study-source-links a:focus,.study-next-links a:hover,.study-next-links a:focus{border-color:var(--green);background:#f4faf7}.study-next-step{border-top:1px solid var(--line)}
@media(max-width:900px){.study-usage-heading,.study-clarity-grid,.study-sources-grid,.study-next-step .shell{grid-template-columns:1fr}.study-usage-steps{grid-template-columns:1fr}.study-usage-steps li{min-height:0}}
@media(max-width:620px){.study-usage,.study-clarity,.study-sources,.study-next-step{padding:44px 0}.study-clarity-grid,.study-sources-grid,.study-next-step .shell{gap:25px}}
@media(max-width:390px){.gemeltest-calculator-page .ins-his-cards{grid-template-columns:1fr!important}}

/* Retirement tax calculator — explanatory content and next steps. */
.retirement-tax-steps,.retirement-tax-example,.retirement-tax-sources,.retirement-tax-next{padding:58px 0}.retirement-tax-heading{display:grid;grid-template-columns:1fr 1fr;gap:8px 48px;align-items:end;margin-bottom:28px}.retirement-tax-heading .eyebrow{grid-column:1/-1}.retirement-tax-heading h2,.retirement-tax-example h2,.retirement-tax-sources h2,.retirement-tax-next h2{margin:0;font-size:clamp(28px,3vw,38px);line-height:1.3}.retirement-tax-heading>p:last-child,.retirement-tax-example p,.retirement-tax-sources p,.retirement-tax-next p{margin:0;color:var(--muted);line-height:1.75}.retirement-tax-steps>.shell>ol{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:0;padding:0;list-style:none}.retirement-tax-steps>.shell>ol>li{display:flex;gap:14px;min-height:155px;padding:21px;border:1px solid var(--line);border-radius:15px;background:#fff}.retirement-tax-steps li>span{display:grid;flex:0 0 38px;height:38px;place-items:center;border-radius:50%;color:#fff;background:var(--green);font-weight:900}.retirement-tax-steps strong{display:block;font-size:18px}.retirement-tax-steps li p{margin:5px 0 0;color:var(--muted);font-size:14px;line-height:1.65}.retirement-tax-example{background:#fff}.retirement-tax-example-grid,.retirement-tax-sources-grid,.retirement-tax-next .shell{display:grid;grid-template-columns:1fr 1fr;gap:48px}.retirement-tax-example aside{padding:25px;border:1px solid #e7d6a8;border-radius:16px;background:#fff9eb}.retirement-tax-example aside>strong{color:#6e5417;font-size:20px}.retirement-tax-example aside ol{margin:12px 0 0;padding-right:22px;color:#526965}.retirement-tax-example aside li{padding:4px}.retirement-tax-sources{background:var(--soft)}.retirement-tax-sources-grid>div:last-child,.retirement-tax-next .shell>div:last-child{display:grid;gap:10px}.retirement-tax-sources a,.retirement-tax-next a{display:flex;align-items:center;justify-content:space-between;min-height:50px;padding:10px 16px;border:1px solid #cfe1dc;border-radius:10px;color:var(--green-dark);background:#fff;font-weight:850}.retirement-tax-sources a:after,.retirement-tax-next a:after{content:'←';margin-right:15px}.retirement-tax-sources a:hover,.retirement-tax-sources a:focus,.retirement-tax-next a:hover,.retirement-tax-next a:focus{border-color:var(--green);background:#f4faf7}.retirement-tax-next{border-top:1px solid var(--line)}
@media(max-width:900px){.retirement-tax-heading,.retirement-tax-example-grid,.retirement-tax-sources-grid,.retirement-tax-next .shell{grid-template-columns:1fr}.retirement-tax-steps>.shell>ol{grid-template-columns:1fr}.retirement-tax-steps>.shell>ol>li{min-height:0}}
@media(max-width:620px){.retirement-tax-steps,.retirement-tax-example,.retirement-tax-sources,.retirement-tax-next{padding:44px 0}.retirement-tax-example-grid,.retirement-tax-sources-grid,.retirement-tax-next .shell{gap:25px}}

/* Employer contributions calculator page. */
.employer-scope,.employer-process,.employer-sources,.employer-faq,.employer-next{padding:58px 0}.employer-scope-grid,.employer-sources-grid,.employer-faq-grid,.employer-next .shell{display:grid;grid-template-columns:1fr 1fr;gap:48px}.employer-scope article{padding:26px;border:1px solid var(--line);border-radius:16px;background:#fff}.employer-scope h2,.employer-process h2,.employer-sources h2,.employer-faq h2,.employer-next h2{margin:0;font-size:clamp(28px,3vw,38px);line-height:1.3}.employer-scope ul{margin:18px 0 0;padding-right:20px;color:var(--muted);line-height:1.8}.employer-process,.employer-faq{background:#fff}.employer-process header{max-width:720px;margin-bottom:28px}.employer-process ol{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:0;padding:0;list-style:none}.employer-process li{display:flex;gap:14px;padding:22px;border:1px solid var(--line);border-radius:15px;background:var(--soft)}.employer-process li>span{color:var(--green);font-size:13px;font-weight:900}.employer-process strong{font-size:18px}.employer-process li p,.employer-sources p,.employer-faq details p,.employer-next p{margin:5px 0 0;color:var(--muted);line-height:1.7}.employer-sources{background:var(--soft)}.employer-sources-grid>div:last-child,.employer-next .shell>div:last-child{display:grid;gap:10px}.employer-sources a,.employer-next a{display:flex;align-items:center;justify-content:space-between;min-height:50px;padding:10px 16px;border:1px solid #cfe1dc;border-radius:10px;color:var(--green-dark);background:#fff;font-weight:850}.employer-sources a:after,.employer-next a:after{content:'←';margin-right:15px}.employer-faq details{border-bottom:1px solid var(--line)}.employer-faq summary{padding:17px 24px 17px 0;font-weight:900;cursor:pointer}.employer-faq details p{padding:0 24px 18px 0}.employer-next{border-top:1px solid var(--line)}
@media(max-width:900px){.employer-scope-grid,.employer-sources-grid,.employer-faq-grid,.employer-next .shell{grid-template-columns:1fr}.employer-process ol{grid-template-columns:1fr}}
@media(max-width:620px){.employer-scope,.employer-process,.employer-sources,.employer-faq,.employer-next{padding:44px 0}.employer-scope-grid,.employer-sources-grid,.employer-faq-grid,.employer-next .shell{gap:25px}}

/* Capital-income calculator page. */
.capital-method,.capital-checks,.capital-sources,.capital-faq,.capital-next{padding:58px 0}.capital-method-grid,.capital-sources-grid,.capital-faq-grid,.capital-next .shell{display:grid;grid-template-columns:1fr 1fr;gap:48px}.capital-method article{padding:27px;border:1px solid var(--line);border-radius:16px;background:#fff}.capital-method h2,.capital-checks h2,.capital-sources h2,.capital-faq h2,.capital-next h2{margin:0;font-size:clamp(28px,3vw,38px);line-height:1.3}.capital-method p:not(.eyebrow),.capital-checks p,.capital-sources p,.capital-faq p,.capital-next p{color:var(--muted);line-height:1.75}.capital-checks,.capital-faq{background:#fff}.capital-checks header{max-width:720px;margin-bottom:28px}.capital-checks ol{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:0;padding:0;list-style:none}.capital-checks li{display:flex;gap:14px;padding:22px;border:1px solid var(--line);border-radius:15px;background:var(--soft)}.capital-checks li>span{color:var(--green);font-size:13px;font-weight:900}.capital-checks strong{font-size:18px}.capital-checks li p{margin:5px 0 0;font-size:14px}.capital-sources{background:var(--soft)}.capital-sources-grid>div:last-child,.capital-next .shell>div:last-child{display:grid;gap:10px}.capital-sources a,.capital-next a{display:flex;align-items:center;justify-content:space-between;min-height:50px;padding:10px 16px;border:1px solid #cfe1dc;border-radius:10px;color:var(--green-dark);background:#fff;font-weight:850}.capital-sources a:after,.capital-next a:after{content:'←';margin-right:15px}.capital-faq details{border-bottom:1px solid var(--line)}.capital-faq summary{padding:17px 24px 17px 0;font-weight:900;cursor:pointer}.capital-faq details p{margin:0;padding:0 24px 18px 0}.capital-next{border-top:1px solid var(--line)}
@media(max-width:900px){.capital-method-grid,.capital-sources-grid,.capital-faq-grid,.capital-next .shell{grid-template-columns:1fr}.capital-checks ol{grid-template-columns:1fr}}
@media(max-width:620px){.capital-method,.capital-checks,.capital-sources,.capital-faq,.capital-next{padding:44px 0}.capital-method-grid,.capital-sources-grid,.capital-faq-grid,.capital-next .shell{gap:25px}}