:root{--navy: #1B4965;--navy-dark: #0f2e42;--navy-light: #2a6b9c;--sage: #2D6A4F;--sage-light: #52b788;--amber: #D4A017;--amber-light: #f4c14f;--plum: #7B2D8B;--red: #c1121f;--cream: #FAFAF7;--warm-white: #F5F3EE;--stone: #E8E4DC;--mid-grey: #8A8680;--dark: #1A1916;--text: #2C2A27;--text-light: #6B6860;--font-display: "Playfair Display", Georgia, serif;--font-body: "DM Sans", system-ui, sans-serif;--radius-sm: 6px;--radius-md: 12px;--radius-lg: 20px;--radius-xl: 32px;--shadow-sm: 0 1px 3px rgba(0,0,0,.07), 0 1px 2px rgba(0,0,0,.05);--shadow-md: 0 4px 16px rgba(0,0,0,.09), 0 2px 6px rgba(0,0,0,.06);--shadow-lg: 0 12px 40px rgba(0,0,0,.12), 0 4px 12px rgba(0,0,0,.08);--shadow-navy: 0 8px 32px rgba(27,73,101,.25);--transition: .2s cubic-bezier(.4, 0, .2, 1)}*,*:before,*:after{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}body{font-family:var(--font-body);background:var(--cream);color:var(--text);line-height:1.6;-webkit-font-smoothing:antialiased}h1,h2,h3,h4{font-family:var(--font-display);line-height:1.2}h1{font-size:clamp(2rem,5vw,3.5rem);font-weight:700}h2{font-size:clamp(1.5rem,3vw,2.2rem);font-weight:600}h3{font-size:clamp(1.1rem,2vw,1.4rem);font-weight:600}.container{max-width:1100px;margin:0 auto;padding:0 20px}.navbar{background:var(--navy-dark);padding:14px 0;position:sticky;top:0;z-index:100;box-shadow:0 2px 12px #0003}.navbar-inner{display:flex;align-items:center;justify-content:space-between}.navbar-logo{font-family:var(--font-display);font-size:1.25rem;font-weight:700;color:#fff;text-decoration:none;display:flex;align-items:center;gap:10px}.navbar-logo span{color:var(--amber-light)}.navbar-cta{background:var(--amber);color:var(--dark);border:none;padding:8px 20px;border-radius:var(--radius-sm);font-family:var(--font-body);font-weight:600;font-size:.875rem;cursor:pointer;transition:var(--transition);text-decoration:none}.navbar-cta:hover{background:var(--amber-light);transform:translateY(-1px)}.hero{background:linear-gradient(135deg,var(--navy-dark) 0%,var(--navy) 60%,#2a5f82 100%);padding:80px 0 90px;position:relative;overflow:hidden}.hero:before{content:"";position:absolute;top:0;right:0;bottom:0;left:0;background-image:radial-gradient(circle at 20% 80%,rgba(212,160,23,.12) 0%,transparent 50%),radial-gradient(circle at 80% 20%,rgba(82,183,136,.1) 0%,transparent 50%)}.hero-inner{position:relative;z-index:1;display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}.hero-badge{display:inline-block;background:#d4a01733;color:var(--amber-light);border:1px solid rgba(212,160,23,.4);padding:4px 14px;border-radius:100px;font-size:.8rem;font-weight:600;letter-spacing:.05em;text-transform:uppercase;margin-bottom:20px}.hero h1{color:#fff;margin-bottom:20px}.hero h1 em{font-style:italic;color:var(--amber-light)}.hero-sub{color:#ffffffbf;font-size:1.1rem;margin-bottom:36px;max-width:480px}.hero-actions{display:flex;gap:14px;flex-wrap:wrap}.btn-primary{background:var(--amber);color:var(--dark);border:none;padding:14px 32px;border-radius:var(--radius-sm);font-family:var(--font-body);font-weight:700;font-size:1rem;cursor:pointer;transition:var(--transition);text-decoration:none;display:inline-block}.btn-primary:hover{background:var(--amber-light);transform:translateY(-2px);box-shadow:0 6px 20px #d4a01766}.btn-secondary{background:transparent;color:#ffffffd9;border:1.5px solid rgba(255,255,255,.35);padding:14px 28px;border-radius:var(--radius-sm);font-family:var(--font-body);font-weight:500;font-size:1rem;cursor:pointer;transition:var(--transition)}.btn-secondary:hover{border-color:#ffffffb3;color:#fff}.hero-stats{display:flex;gap:28px;margin-top:36px}.hero-stat{border-left:2px solid rgba(255,255,255,.2);padding-left:14px}.hero-stat-number{font-family:var(--font-display);font-size:1.5rem;color:#fff;font-weight:700}.hero-stat-label{font-size:.78rem;color:#ffffff8c;text-transform:uppercase;letter-spacing:.05em}.hero-card{background:#ffffff12;border:1px solid rgba(255,255,255,.15);border-radius:var(--radius-lg);padding:32px;-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px)}.hero-card-label{font-size:.78rem;color:#ffffff80;text-transform:uppercase;letter-spacing:.07em;margin-bottom:16px}.hero-card-example{border-bottom:1px solid rgba(255,255,255,.1);padding:14px 0}.hero-card-example:first-of-type{padding-top:0}.hero-card-example:last-of-type{border-bottom:none;padding-bottom:0}.hero-card-row{display:flex;justify-content:space-between;align-items:baseline;gap:8px}.hero-card-title{color:#fffc;font-size:.9rem}.hero-card-value{color:#fff;font-weight:700;font-size:1.05rem;font-family:var(--font-display)}.hero-card-sub{color:#ffffff73;font-size:.78rem;margin-top:3px}.section{padding:70px 0}.section-alt{background:var(--warm-white)}.section-eyebrow{font-size:.78rem;font-weight:600;text-transform:uppercase;letter-spacing:.1em;color:var(--navy);margin-bottom:10px}.section-title{margin-bottom:14px;color:var(--dark)}.section-sub{color:var(--text-light);max-width:580px;margin-bottom:48px}.calc-layout{display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:start}.calc-form-card{background:#fff;border-radius:var(--radius-lg);padding:36px;box-shadow:var(--shadow-md);border:1px solid var(--stone)}.calc-section-title{font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.1em;color:var(--navy);margin:28px 0 16px;padding-bottom:8px;border-bottom:2px solid var(--stone)}.calc-section-title:first-child{margin-top:0}.form-group{margin-bottom:20px}.form-label{display:block;font-size:.875rem;font-weight:600;color:var(--text);margin-bottom:6px}.form-hint{font-size:.78rem;color:var(--text-light);margin-top:4px}.form-input{width:100%;padding:10px 14px;border:1.5px solid var(--stone);border-radius:var(--radius-sm);font-family:var(--font-body);font-size:.95rem;color:var(--text);background:var(--cream);transition:var(--transition);-webkit-appearance:none}.form-input:focus{outline:none;border-color:var(--navy);background:#fff;box-shadow:0 0 0 3px #1b49651a}.form-input-prefix{position:relative}.form-input-prefix input{padding-left:34px}.form-input-prefix:before{content:"R";position:absolute;left:12px;top:50%;transform:translateY(-50%);color:var(--text-light);font-size:.9rem;pointer-events:none}.form-input-suffix{position:relative}.form-input-suffix input{padding-right:34px}.form-input-suffix:after{content:"%";position:absolute;right:12px;top:50%;transform:translateY(-50%);color:var(--text-light);font-size:.9rem;pointer-events:none}.school-type-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-bottom:16px}.school-type-btn{padding:12px 8px;border:2px solid var(--stone);border-radius:var(--radius-md);background:var(--cream);cursor:pointer;transition:var(--transition);text-align:center;font-family:var(--font-body)}.school-type-btn:hover{border-color:var(--navy-light)}.school-type-btn.active{border-color:var(--navy);background:#1b49650f}.school-type-btn-label{font-size:.82rem;font-weight:600;color:var(--text);display:block}.school-type-btn-sub{font-size:.72rem;color:var(--text-light);display:block;margin-top:2px}.tier-grid{display:flex;flex-direction:column;gap:8px}.tier-btn{display:flex;align-items:center;justify-content:space-between;padding:11px 14px;border:1.5px solid var(--stone);border-radius:var(--radius-sm);background:var(--cream);cursor:pointer;transition:var(--transition);font-family:var(--font-body);text-align:left}.tier-btn:hover{border-color:var(--navy-light);background:#1b496508}.tier-btn.active{border-color:var(--navy);background:#1b496512}.tier-btn-label{font-size:.85rem;font-weight:600;color:var(--text)}.tier-btn-range{font-size:.78rem;color:var(--text-light)}.toggle-custom-fee{display:flex;align-items:center;gap:10px;font-size:.85rem;color:var(--navy);font-weight:500;cursor:pointer;margin-top:10px;background:none;border:none;padding:0;font-family:var(--font-body)}.toggle-custom-fee:hover{color:var(--navy-dark);text-decoration:underline}.range-group{display:flex;align-items:center;gap:14px}.range-input{flex:1;-webkit-appearance:none;height:4px;border-radius:2px;background:linear-gradient(to right,var(--navy) var(--pct, 0%),var(--stone) var(--pct, 0%));outline:none;cursor:pointer}.range-input::-webkit-slider-thumb{-webkit-appearance:none;width:18px;height:18px;border-radius:50%;background:var(--navy);border:2px solid #fff;box-shadow:0 0 0 2px var(--navy);cursor:pointer;transition:transform .15s}.range-input::-webkit-slider-thumb:hover{transform:scale(1.2)}.range-value{font-weight:700;font-size:.95rem;color:var(--navy);min-width:40px;text-align:right}.results-panel{position:sticky;top:72px}.results-card{background:var(--navy-dark);border-radius:var(--radius-lg);padding:32px;color:#fff}.results-card-header{margin-bottom:24px}.results-card-eyebrow{font-size:.72rem;font-weight:600;text-transform:uppercase;letter-spacing:.1em;color:#ffffff80;margin-bottom:6px}.results-card-total{font-family:var(--font-display);font-size:2.4rem;font-weight:700;color:var(--amber-light);line-height:1;margin-bottom:4px}.results-card-sub{color:#ffffff8c;font-size:.85rem}.results-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:24px}.results-metric{background:#ffffff0f;border:1px solid rgba(255,255,255,.1);border-radius:var(--radius-md);padding:14px}.results-metric-label{font-size:.75rem;color:#ffffff80;margin-bottom:4px}.results-metric-value{font-family:var(--font-display);font-size:1.15rem;font-weight:600;color:#fff}.results-metric-value.positive{color:var(--sage-light)}.results-metric-value.negative{color:#ff8080}.gap-banner{border-radius:var(--radius-md);padding:16px 18px;margin-bottom:20px}.gap-banner.shortfall{background:#c1121f33;border:1px solid rgba(193,18,31,.4)}.gap-banner.surplus{background:#2d6a4f40;border:1px solid rgba(82,183,136,.4)}.gap-banner-title{font-weight:700;font-size:.95rem;margin-bottom:4px}.gap-banner.shortfall .gap-banner-title{color:#ff8080}.gap-banner.surplus .gap-banner-title{color:var(--sage-light)}.gap-banner-sub{font-size:.82rem;color:#ffffffa6}.advisor-cta{margin:16px 0;border-radius:var(--radius-md);background:linear-gradient(135deg,#1b496599,#1b49654d);border:1px solid rgba(255,255,255,.12);overflow:hidden}.advisor-cta-inner{display:flex;gap:14px;padding:18px}.advisor-cta-icon{font-size:1.5rem;flex-shrink:0;margin-top:2px}.advisor-cta-content{flex:1}.advisor-cta-heading{font-weight:700;font-size:.95rem;color:#fff;margin-bottom:6px;line-height:1.4}.advisor-cta-body{font-size:.82rem;color:#fff9;line-height:1.55;margin-bottom:14px}.advisor-cta-btn{display:inline-block;background:var(--amber);color:var(--navy-dark);font-weight:700;font-size:.88rem;padding:10px 18px;border-radius:var(--radius-sm);text-decoration:none;transition:opacity .15s,transform .15s}.advisor-cta-btn:hover{opacity:.88;transform:translateY(-1px)}.advisor-cta-disclaimer{margin-top:8px;font-size:.72rem;color:#ffffff59}.monthly-target{background:linear-gradient(135deg,#d4a01733,#d4a01714);border:1.5px solid rgba(212,160,23,.4);border-radius:var(--radius-md);padding:20px;margin-bottom:20px;text-align:center}.monthly-target-label{font-size:.78rem;color:#fff9;text-transform:uppercase;letter-spacing:.07em;margin-bottom:8px}.monthly-target-amount{font-family:var(--font-display);font-size:2rem;font-weight:700;color:var(--amber-light)}.monthly-target-sub{font-size:.8rem;color:#ffffff80;margin-top:4px}.results-actions{display:flex;flex-direction:column;gap:10px}.btn-download{background:#ffffff1a;border:1.5px solid rgba(255,255,255,.25);color:#fff;padding:11px;border-radius:var(--radius-sm);font-family:var(--font-body);font-weight:600;font-size:.875rem;cursor:pointer;transition:var(--transition);width:100%}.btn-download:hover{background:#ffffff2e}.btn-download-primary{background:var(--amber);border:none;color:var(--dark);padding:13px;border-radius:var(--radius-sm);font-family:var(--font-body);font-weight:700;font-size:.95rem;cursor:pointer;transition:var(--transition);width:100%}.btn-download-primary:hover{background:var(--amber-light);transform:translateY(-1px)}.charts-section{margin-top:40px}.chart-card{background:#fff;border-radius:var(--radius-lg);padding:28px;box-shadow:var(--shadow-sm);border:1px solid var(--stone);margin-bottom:20px}.chart-title{font-size:.9rem;font-weight:700;color:var(--text);margin-bottom:4px}.chart-sub{font-size:.78rem;color:var(--text-light);margin-bottom:20px}.table-card{background:#fff;border-radius:var(--radius-lg);padding:28px;box-shadow:var(--shadow-sm);border:1px solid var(--stone);overflow-x:auto}.projection-table{width:100%;border-collapse:collapse;font-size:.875rem}.projection-table th{text-align:left;padding:10px 14px;background:var(--navy-dark);color:#fffc;font-size:.75rem;text-transform:uppercase;letter-spacing:.06em;font-weight:600}.projection-table th:first-child{border-radius:8px 0 0 8px}.projection-table th:last-child{border-radius:0 8px 8px 0}.projection-table td{padding:10px 14px;border-bottom:1px solid var(--stone);color:var(--text)}.projection-table tr:last-child td{border-bottom:none}.projection-table tr:nth-child(2n) td{background:var(--warm-white)}.projection-table .amount{font-weight:600;color:var(--navy)}.steps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}.step-card{background:#fff;border-radius:var(--radius-lg);padding:32px;border:1px solid var(--stone);transition:var(--transition)}.step-card:hover{box-shadow:var(--shadow-md);transform:translateY(-3px)}.step-num{display:inline-flex;align-items:center;justify-content:center;width:40px;height:40px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;font-size:1rem;margin-bottom:18px;font-family:var(--font-display)}.step-title{font-size:1rem;font-weight:700;margin-bottom:8px;color:var(--dark)}.step-desc{font-size:.875rem;color:var(--text-light);line-height:1.6}.faq-list{display:flex;flex-direction:column;gap:14px;max-width:740px}.faq-item{border:1px solid var(--stone);border-radius:var(--radius-md);overflow:hidden;background:#fff}.faq-q{width:100%;display:flex;align-items:center;justify-content:space-between;padding:18px 22px;background:none;border:none;cursor:pointer;font-family:var(--font-body);font-weight:600;font-size:.95rem;color:var(--text);text-align:left;transition:var(--transition)}.faq-q:hover{background:var(--warm-white)}.faq-chevron{font-size:1.1rem;color:var(--navy);transition:transform .2s}.faq-item.open .faq-chevron{transform:rotate(180deg)}.faq-a{padding:0 22px 18px;font-size:.875rem;color:var(--text-light);line-height:1.7;display:none}.faq-item.open .faq-a{display:block}.disclaimer-band{background:var(--stone);padding:24px 0;text-align:center}.disclaimer-text{font-size:.8rem;color:var(--text-light);max-width:740px;margin:0 auto;line-height:1.6}.footer{background:var(--navy-dark);padding:40px 0 28px;color:#fff9}.footer-inner{display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap;padding-bottom:24px;margin-bottom:24px;border-bottom:1px solid rgba(255,255,255,.1)}.footer-logo{font-family:var(--font-display);font-size:1.1rem;font-weight:700;color:#fff}.footer-logo span{color:var(--amber-light)}.footer-links{display:flex;gap:20px}.footer-links a{font-size:.85rem;color:#ffffff80;text-decoration:none}.footer-links a:hover{color:#ffffffe6}.footer-copy{font-size:.78rem;color:#ffffff4d;text-align:center}@media (max-width: 900px){.hero-inner{grid-template-columns:1fr;gap:40px}.hero-card{display:none}.calc-layout{grid-template-columns:1fr}.results-panel{position:static}.steps-grid{grid-template-columns:1fr;gap:16px}.school-type-grid{grid-template-columns:1fr}}@media (max-width: 600px){.hero{padding:50px 0 60px}.results-grid{grid-template-columns:1fr}.hero-stats{flex-direction:column;gap:14px}.footer-inner{flex-direction:column;align-items:flex-start}}.text-center{text-align:center}.mt-4{margin-top:16px}.mt-8{margin-top:32px}.mb-0{margin-bottom:0}.no-result-state{padding:40px;text-align:center;color:#ffffff73;font-size:.9rem}.animate-in{animation:fadeUp .5s ease forwards}@keyframes fadeUp{0%{opacity:0;transform:translateY(14px)}to{opacity:1;transform:translateY(0)}}