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.fuel-media{position:relative}
#calculator-frame{display:block;width:100%;height:850px;border:0;border-radius:22px;background:transparent;scroll-margin-top:105px}.calculator-frame-note{margin:9px 0 0;font-size:11px}.calculator-frame-note a{text-decoration:underline;text-underline-offset:3px}.privacy-links{display:flex;gap:24px;align-items:center;margin-top:20px;font-size:11px}.privacy-links .text-button{font-size:11px}.privacy-links>a{text-decoration:underline}.privacy-panel{position:fixed;left:20px;right:20px;bottom:20px;z-index:1000;max-width:840px;margin:auto;background:#fff;border:1px solid #cbd5e6;border-radius:18px;padding:24px;box-shadow:0 12px 75px #101d3529}.privacy-panel[hidden]{display:none}.privacy-panel h2{font-size:22px;letter-spacing:-.03em;margin-bottom:9px}.privacy-panel p{font-size:12px;line-height:1.6;margin-bottom:15px}.privacy-panel a{text-decoration:underline}.privacy-actions{display:flex;flex-wrap:wrap;gap:10px}.privacy-actions button{flex:1;min-height:44px;padding:9px 16px;border-radius:8px;border:1px solid #c5cfe3;background:#fff;color:var(--ink);font-size:12px;font-weight:650}.privacy-actions button[data-consent=accept],.privacy-actions button[data-consent=save]{color:var(--blue);border-color:#a8b7ed;background:#f2f5ff}.privacy-actions button[hidden]{display:none}#privacy-custom label{display:flex;align-items:center;gap:10px;font-size:13px;margin:12px 0}#privacy-custom input{width:18px;height:18px}#privacy-custom .micro{font-size:10px}.privacy-page{max-width:780px;padding-block:60px}.privacy-page h1{font-size:46px;margin:30px 0}.privacy-page h2{font-size:24px;margin:35px 0 12px}.privacy-page p,.privacy-page li{font-size:15px}.privacy-page a{text-decoration:underline}@media(max-width:760px){#calculator-frame{border-radius:17px;scroll-margin-top:85px}.calculator-frame-note{font-size:10px}.privacy-panel{left:10px;right:10px;bottom:calc(75px + env(safe-area-inset-bottom));padding:17px;max-height:70dvh;overflow-y:auto}.privacy-panel h2{font-size:20px}.privacy-panel p{font-size:11px}.privacy-actions{gap:7px}.privacy-actions button{font-size:10px;padding:8px 6px}.privacy-page h1{font-size:37px}.privacy-page p,.privacy-page li{font-size:14px}}
.explainer-video{position:relative;min-width:0;aspect-ratio:16/9;background:#e8ecf8;overflow:hidden}.explainer-video video{display:block;width:100%;height:100%;object-fit:cover}.video-play{position:absolute;inset:0;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:13px;width:100%;height:100%;border:0;background:linear-gradient(0deg,#101d3524,#101d3508);color:#fff}.video-play[hidden]{display:none}.video-play-icon{width:96px;height:96px;display:grid;place-items:center;padding-left:7px;border-radius:50%;background:var(--blue);border:4px solid #fff;box-shadow:0 8px 30px #101d3545;font-size:31px;line-height:1;transition:transform .18s,background .18s}.video-play-label{padding:7px 14px;border-radius:999px;background:#101d35db;color:#fff;font-size:12px;line-height:1.3;font-weight:700;box-shadow:0 3px 14px #101d3526}.video-play:hover .video-play-icon{transform:scale(1.07);background:var(--blue-dark)}.video-play:focus-visible{outline:4px solid #fff;outline-offset:-8px}.explainer-video video:focus-visible{outline:4px solid #8b9fff;outline-offset:-4px}@media(max-width:760px){.video-play{gap:9px}.video-play-icon{width:80px;height:80px;font-size:26px}.video-play-label{font-size:11px;padding:7px 12px}}@media(prefers-reduced-motion:reduce){.video-play-icon{transition:none}}

/* Guided emphasis: draw the eye to the promise, the plain-English model, and the key tradeoff. */
.hero h1 .focus-phrase{color:var(--blue);background:linear-gradient(transparent 75%,#dce5ff 75%);-webkit-box-decoration-break:clone;box-decoration-break:clone;padding:0 .035em}.key-phrase{color:var(--ink);font-weight:720;background:linear-gradient(transparent 57%,#e7edff 57%);-webkit-box-decoration-break:clone;box-decoration-break:clone;padding:0 .08em}.heading-focus{color:var(--blue)}@media(max-width:760px){.hero h1 .focus-phrase{background:linear-gradient(transparent 78%,#dce5ff 78%)}}

.fuel-media .fuel-animation{width:100%;height:100%;object-fit:contain}.fuel-motion-toggle{position:absolute;right:12px;bottom:12px;z-index:2;display:grid;place-items:center;width:42px;height:42px;padding:0;border:2px solid #fff;border-radius:50%;background:#101d35e8;color:#fff;font-size:13px;box-shadow:0 4px 14px #101d3540;transition:transform .18s,background .18s}.fuel-motion-toggle:hover{transform:scale(1.07);background:#315bfa}.fuel-motion-toggle span{line-height:1}@media(max-width:760px){.fuel-motion-toggle{right:8px;bottom:8px;width:38px;height:38px}}
.crediting-demo h3{max-width:390px}.crediting-demo label{align-items:center}.demo-result strong{display:flex;align-items:baseline;gap:1px}.demo-result strong>span:first-child{font-size:.6em}.crediting-demo .demo-takeaway{font-size:13px!important;line-height:1.6;color:var(--ink);font-weight:600;margin:0 0 15px}.loan-story>img{object-fit:cover}
.loan-card-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;align-items:stretch}.loan-option-card{display:flex;flex-direction:column;overflow:hidden;background:var(--paper);border:1px solid var(--line);border-radius:18px;box-shadow:0 10px 30px #14294e08}.loan-option-art{height:190px;overflow:hidden;background:#c8f1f7}.loan-option-art img{width:100%;height:100%;object-fit:cover}.loan-option-copy{padding:23px 24px 25px}.loan-option-label{font-size:9px;line-height:1.4;letter-spacing:.13em;font-weight:750;color:var(--blue)}.loan-option-copy h3{font-size:21px;margin:10px 0 12px;letter-spacing:-.035em}.loan-option-copy p{margin:0;font-size:12px;line-height:1.7}.fuel-motion-toggle{display:none!important}@media(max-width:980px){.loan-card-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}.loan-option-art{height:175px}}@media(max-width:620px){.loan-card-grid{grid-template-columns:1fr;gap:14px}.loan-option-art{height:205px}.loan-option-copy{padding:21px 22px 23px}.loan-option-copy h3{font-size:22px}}
.bumper-steps{display:grid;grid-template-columns:1fr auto 1fr auto 1fr;align-items:center;gap:13px;margin:28px 0 30px;padding:18px;background:#f7f8ff;border:1px solid #e3e8ff;border-radius:16px}.bumper-steps>div{display:grid;gap:5px}.bumper-steps>div>span{font-size:9px;font-weight:750;letter-spacing:.12em;color:var(--blue)}.bumper-steps strong{font-size:12px;line-height:1.35;letter-spacing:-.02em}.bumper-steps small{font-size:10px;line-height:1.4}.bumper-steps>b{color:#94a4cf;font-size:16px}.bumper-scale{display:grid;grid-template-columns:auto 1fr auto;align-items:center;gap:12px;margin:11px 0 22px;color:var(--muted);font-size:10px;font-weight:650}.bumper-scale .demo-bar{margin:0}.charges-note{padding:14px 16px;margin:16px 0;border-radius:12px;background:#fff5e9;color:#76501a;font-size:12px;line-height:1.55}.charges-note strong{color:#593809}.crediting-demo .micro{margin-top:16px}@media(max-width:760px){.bumper-steps{grid-template-columns:1fr;gap:10px;margin:22px 0;padding:16px}.bumper-steps>div{grid-template-columns:28px 1fr;align-items:center;column-gap:8px}.bumper-steps>div>span{grid-row:1/3}.bumper-steps>div>small{grid-column:2}.bumper-steps>b{transform:rotate(90deg);justify-self:center;line-height:1}.bumper-scale{gap:8px;font-size:9px}.charges-note{font-size:11px}}

/* Beginner-first IUL explanation */
.iul-basics .section-heading{margin-bottom:34px}.iul-path{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px}.iul-part{min-height:252px;padding:24px 22px;border:1px solid var(--line);border-radius:17px;background:var(--paper)}.iul-icon{display:grid;place-items:center;width:46px;height:46px;margin-bottom:19px;border-radius:14px;background:var(--lavender);color:var(--blue);font-size:24px;font-weight:700}.iul-part .card-number{display:block;color:var(--blue);font-size:9px;font-weight:750;letter-spacing:.12em}.iul-part h3{font-size:19px;margin:9px 0 10px}.iul-part p{font-size:12px;line-height:1.65;margin:0}.iul-flow{display:grid;grid-template-columns:1fr auto 1fr auto 1fr;align-items:center;gap:17px;margin:22px 0 46px;padding:23px 27px;background:#f0f3ff;border:1px solid #e1e7ff;border-radius:17px}.iul-flow div{display:grid;gap:6px}.iul-flow div span{font-size:9px;letter-spacing:.12em;font-weight:750;color:var(--blue)}.iul-flow div strong{font-size:15px}.iul-flow>b{color:#9aa7cf}.iul-flow>p{grid-column:1/-1;margin:0;padding-top:13px;border-top:1px solid #dce3ff;font-size:11px}.subhead{font-size:25px;margin:0 0 5px}.iul-benefits-intro{font-size:13px;margin:0 0 20px}.iul-basics>.benefit-grid{margin-bottom:40px}.iul-fit{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;margin:0 0 17px}.fit-card{padding:26px 28px;border-radius:17px;background:#f7f9fd;border:1px solid var(--line)}.fit-card h3{font-size:22px;margin:15px 0 10px}.fit-card p{font-size:13px;line-height:1.7;margin:0}.fit-pause{background:#fff9f0;border-color:#f1e6d2}.fit-note{padding:19px 22px;margin:0 0 27px;background:#eff2ff;border-radius:14px;font-size:13px;line-height:1.7;color:var(--ink)}.fit-note strong{color:var(--blue)}.compensation-context{margin:0 0 34px}.compensation-context .detail-columns{align-items:stretch}.compensation-context .detail-columns>div p:last-child{margin-bottom:0}.questions-to-ask{display:flex;flex-direction:column;justify-content:center;padding:22px 25px;background:#f7f9fd;border:1px solid var(--line);border-radius:14px}.questions-to-ask figcaption{font-size:14px;font-weight:700;margin-bottom:12px}.questions-to-ask ul{padding-left:18px;margin:0;color:var(--muted);font-size:12px;line-height:1.8}
@media(max-width:900px){.iul-path{grid-template-columns:repeat(2,minmax(0,1fr))}.iul-part{min-height:0}}
@media(max-width:620px){.iul-basics .section-heading{gap:16px}.iul-path,.iul-fit{grid-template-columns:1fr;gap:12px}.iul-part{padding:21px}.iul-flow{grid-template-columns:1fr;gap:9px;padding:20px;margin:18px 0 35px}.iul-flow>b{transform:rotate(90deg);justify-self:center}.iul-flow>p{margin-top:6px}.fit-card{padding:23px}.fit-card h3{font-size:20px}.subhead{font-size:22px}.fit-note{padding:17px}.compensation-context .detail-columns{display:block}.questions-to-ask{margin-top:16px}}

/* Keep the mobile IUL explanation calm and easy to scan. */
@media(max-width:620px){
  .iul-basics .section-heading{margin-bottom:24px}
  .iul-path{grid-template-columns:1fr;gap:0;border-top:1px solid var(--line)}
  .iul-part{min-height:0;display:grid;grid-template-columns:34px minmax(0,1fr);column-gap:12px;align-items:start;padding:17px 0;border:0;border-bottom:1px solid var(--line);border-radius:0;background:transparent}
  .iul-icon{grid-column:1;grid-row:1/4;width:32px;height:32px;margin:2px 0 0;border-radius:10px;font-size:18px}
  .iul-part .card-number{grid-column:2;grid-row:1;margin:0 0 4px;font-size:8px}
  .iul-part h3{grid-column:2;font-size:17px;margin:0 0 5px}
  .iul-part p{grid-column:2;font-size:12px;line-height:1.55}
  .iul-flow{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:8px;padding:15px 0;margin:0 0 26px;border:0;border-bottom:1px solid var(--line);border-radius:0;background:transparent}
  .iul-flow div{display:flex;gap:4px;align-items:baseline}
  .iul-flow div span{display:none}
  .iul-flow div strong{font-size:11px}
  .iul-flow>b{display:block;transform:none;justify-self:auto;font-size:12px}
  .iul-flow>p{flex-basis:100%;margin:3px 0 0;padding:9px 0 0;border-top:1px solid var(--line);font-size:10px;line-height:1.5}
  .iul-fit{grid-template-columns:1fr;gap:0;margin:0 0 8px;border-top:1px solid var(--line)}
  .fit-card,.fit-pause{padding:16px 0;border:0;border-bottom:1px solid var(--line);border-radius:0;background:transparent}
  .fit-card .pill{padding:0;background:transparent;color:var(--blue);font-size:8px}
  .fit-card h3{font-size:18px;margin:7px 0 5px}
  .fit-card p{font-size:12px;line-height:1.55}
  .fit-note{padding:15px 0;margin:0 0 22px;border-top:1px solid var(--line);border-bottom:1px solid var(--line);border-radius:0;background:transparent;font-size:12px;line-height:1.6}
}

/* Media and experiment treatment for the staged learning journey. */
.tax-comparison-video{display:grid;grid-template-columns:.9fr 1.1fr;gap:26px;align-items:center;margin:32px 0 4px;padding:18px;border:1px solid var(--line);border-radius:var(--radius);background:#f7f9ff}.tax-comparison-video>div:first-child{padding:12px 14px}.tax-comparison-video h3{font-size:29px;line-height:1.15;margin:12px 0}.tax-comparison-video p:not(.eyebrow){font-size:12px}.tax-comparison-video .micro{font-size:10px;color:var(--muted)}.tax-comparison-video .explainer-video{border-radius:12px}.tax-comparison-video video{width:100%;height:100%;display:block;object-fit:cover}.video-context-note{padding:15px 17px;border:1px solid #f1dfc7;border-radius:10px;background:#fff9f0;color:#485064;font-size:11px;line-height:1.65}.detail-columns video{width:100%;max-width:100%;aspect-ratio:16/9;object-fit:cover;border-radius:12px;background:#08a6dc;align-self:center}
@media(max-width:760px){.tax-comparison-video{grid-template-columns:1fr;gap:14px;padding:14px;margin-top:24px}.tax-comparison-video>div:first-child{padding:10px}.tax-comparison-video h3{font-size:25px}.tax-comparison-video p:not(.eyebrow){font-size:11px}.tax-comparison-video .explainer-video{order:-1}.detail-columns video{order:-1}}
/* Let desktop layouts use the screen while keeping copy at a readable scale. */
.wrap{width:min(2560px,calc(100% - clamp(40px,6vw,144px)))}
@media(min-width:1200px){
  .hero{min-height:clamp(700px,76vh,980px);gap:clamp(48px,6vw,120px);padding-top:clamp(64px,6vw,112px);padding-bottom:clamp(64px,6vw,112px)}
  .hero-copy{max-width:900px}
  .hero h1{font-size:clamp(58px,5vw,96px);line-height:.99;letter-spacing:-.065em}
  .hero .lead{font-size:clamp(17px,1.25vw,22px);line-height:1.65;max-width:62ch}
  .hero-art{width:100%;max-width:1050px;justify-self:end}
  .section{padding:clamp(112px,8vw,168px) 0}
  .section-heading{gap:clamp(70px,9vw,180px);margin-bottom:clamp(52px,4vw,76px)}
  .section-heading h2{font-size:clamp(44px,4vw,72px);line-height:1.04;letter-spacing:-.06em}
  .section-heading>p{max-width:56ch;font-size:clamp(16px,1.1vw,19px);line-height:1.75}
  .iul-path{gap:clamp(20px,2vw,36px)}
  .iul-part{padding:clamp(26px,2.5vw,44px);min-height:310px}
  .iul-part h3,.tax-grid h3,.benefit-grid h3{font-size:clamp(23px,1.7vw,31px)}
  .iul-part p,.tax-grid p,.benefit-grid p,.loan-option-copy p{font-size:clamp(15px,1vw,18px);line-height:1.7}
  .iul-flow{padding:clamp(30px,3vw,52px);gap:clamp(20px,2vw,40px);margin:clamp(28px,3vw,52px) 0 clamp(50px,5vw,90px)}
  .tax-grid,.benefit-grid{gap:clamp(24px,2.4vw,44px)}
  .tax-grid article,.benefit-grid article{padding:clamp(28px,3vw,52px)}
  .tax-grid .fuel-media{height:clamp(190px,18vw,300px)}
  .loan-card-grid{gap:clamp(22px,2vw,36px)}
  .loan-option-art{height:clamp(190px,16vw,270px)}
  .loan-option-copy{padding:clamp(24px,2.4vw,40px)}
  .explainer-video,.tax-comparison-video{gap:clamp(38px,5vw,90px)}
  .calculator-main{padding:clamp(44px,5vw,88px)}
}
@media(min-width:1680px){
  .loan-card-grid{grid-template-columns:repeat(5,minmax(0,1fr))}
  .loan-option-art{height:clamp(210px,14vw,280px)}
  .iul-path{grid-template-columns:repeat(4,minmax(0,1fr))}
}
@media(min-width:2200px){
  .wrap{width:calc(100% - clamp(40px,10vw,192px))}
  .hero h1{font-size:clamp(96px,4.5vw,120px)}
  .hero-copy{max-width:1120px}
  .hero-art{max-width:1120px}
  .hero{min-height:min(100vh,1100px);gap:clamp(100px,8vw,190px)}
  .section{padding:clamp(150px,8vw,220px) 0}
  .section-heading{gap:clamp(140px,10vw,240px)}
  .section-heading h2{font-size:clamp(76px,3.5vw,92px)}
  .calculator-shell{grid-template-columns:minmax(520px,.75fr) minmax(0,1.25fr)}
  .calculator-intro{padding:clamp(60px,4vw,100px) clamp(48px,4vw,90px)}
  .calculator-main{padding:clamp(70px,5vw,120px)}
}

/* Full-screen editorial canvas: consistent side rails, responsive frames, and quiet snap. */
:root{--canvas-rail:clamp(40px,10vw,192px);--frame-gap:clamp(24px,3vw,64px)}
.wrap{width:calc(100% - var(--canvas-rail))}
@media(min-width:1200px){
  html{scroll-snap-type:y proximity;scroll-padding-top:80px}
  main>section:not(.hero){display:flex;flex-direction:column;min-height:100svh;scroll-snap-align:start;scroll-margin-top:80px;justify-content:center}
  .section{padding-block:clamp(92px,8svh,180px)}
  .hero{min-height:100svh}
  .section-heading{gap:var(--frame-gap)}
}
@media(min-width:1680px){
  .iul-path{grid-template-columns:repeat(4,minmax(0,620px));justify-content:space-between}
  .tax-grid{grid-template-columns:repeat(3,minmax(0,740px));justify-content:space-between}
  .benefit-grid{grid-template-columns:repeat(3,minmax(0,740px));justify-content:space-between}
  .loan-card-grid{grid-template-columns:repeat(5,minmax(0,520px));justify-content:space-between}
}
@media(max-width:1199px){html{scroll-snap-type:none}}
@media(max-width:760px){
  :root{--canvas-rail:40px}
  main>section{min-height:0;scroll-snap-align:none}
}

/* Tune the composition to the actual viewport, not a single desktop preset. */
@media(min-width:1200px) and (max-width:1679px){
  .hero{grid-template-columns:minmax(0,1.08fr) minmax(0,.92fr);gap:clamp(30px,3.5vw,64px);min-height:min(100svh,900px);padding-block:clamp(42px,6svh,72px)}
  .hero h1{font-size:clamp(54px,5.1vw,78px);line-height:1.01;max-width:14ch}
  .hero-copy{max-width:780px}
  .hero-art{max-width:780px;aspect-ratio:1.08/1}
  .section{padding-block:clamp(64px,6svh,106px)}
  .section-heading{gap:clamp(32px,5vw,78px);margin-bottom:clamp(34px,4.5svh,56px)}
  .section-heading h2{font-size:clamp(42px,3.4vw,60px)}
  #calculator-frame{height:clamp(820px,76svh,1120px)}
}
@media(min-width:1680px){
  .hero{grid-template-columns:minmax(0,1.08fr) minmax(0,.92fr);gap:clamp(48px,4vw,120px);padding-block:clamp(52px,6svh,100px)}
  .hero h1{font-size:clamp(76px,4.3vw,112px);line-height:1;max-width:14ch}
  .hero-copy{max-width:1280px}
  .hero-art{max-width:1320px;aspect-ratio:1.08/1}
  .section{padding-block:clamp(82px,7svh,150px)}
  .section-heading{gap:clamp(64px,5vw,140px);margin-bottom:clamp(42px,5svh,70px)}
  .section-heading h2{font-size:clamp(56px,3.4vw,84px)}
  .section-heading>p{font-size:clamp(17px,1vw,20px)}
  #calculator-frame{height:clamp(900px,76svh,1280px)}
}
@media(min-width:2200px){
  .hero{gap:clamp(52px,3.2vw,110px);min-height:100svh}
  .hero h1{font-size:clamp(86px,4vw,112px)}
  .hero-art{max-width:1400px}
  .section{padding-block:clamp(92px,7svh,150px)}
}
@media(max-height:760px) and (min-width:1200px){
  .hero{min-height:calc(100svh - 72px);padding-block:28px}
  .hero h1{font-size:clamp(48px,4.6vw,72px)}
  .hero-art{aspect-ratio:1.15/1}
  main>section:not(.hero){padding-block:clamp(34px,5svh,56px)}
  .section-heading{margin-bottom:clamp(28px,4svh,42px)}
}

/* On ultra-wide screens, keep the headline and illustration as one composition. */
@media(min-width:2200px){
  .hero{width:min(calc(100% - var(--canvas-rail)),3200px);grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:clamp(44px,2.2vw,80px);margin-inline:auto}
  .hero-copy{max-width:1500px;justify-self:end}
  .hero-art{max-width:1600px;justify-self:start}
}
@media(min-width:4000px){
  .hero{width:calc(100% - var(--canvas-rail));grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:clamp(80px,2vw,140px)}
  .hero h1{font-size:clamp(112px,3.2vw,160px);max-width:15ch}
  .hero-copy{max-width:min(44vw,1850px)}
  .hero-art{max-width:min(48vw,2000px)}
}

/* Navigation that stays composed at every content width. */
.header .nav{min-height:76px}
.desktop-nav a{position:relative;transition:color .18s ease}
.desktop-nav a:hover,.desktop-nav a.is-current{color:var(--ink)}
.desktop-nav a.is-current:after{content:"";position:absolute;left:0;right:0;bottom:4px;height:2px;border-radius:2px;background:var(--blue)}
.menu-toggle{border-radius:12px;transition:background .18s ease}
.menu-toggle:hover,.menu-toggle[aria-expanded="true"]{background:var(--lavender)}
.menu-toggle span{transition:transform .18s ease}
.menu-toggle[aria-expanded="true"] span:first-child{transform:translateY(7px) rotate(45deg)}
.menu-toggle[aria-expanded="true"] span:last-child{transform:translateY(-7px) rotate(-45deg)}
#mobile-menu{position:absolute;top:100%;left:0;right:0;z-index:51;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:4px 22px;padding:16px max(24px,calc((100% - 960px)/2)) 20px;background:#fff;border-top:1px solid var(--line);box-shadow:0 18px 32px #14294e16;max-height:calc(100svh - 110px);overflow-y:auto}
#mobile-menu a{display:flex;align-items:center;min-height:48px;padding:10px 12px;border-radius:10px;font-size:13px;font-weight:600;color:var(--ink)}
#mobile-menu a:hover,#mobile-menu a.is-current{background:#f0f3ff;color:var(--blue)}
@media(min-width:1680px){.header .nav{min-height:82px}.desktop-nav{gap:clamp(30px,2vw,54px)}.header-book{min-height:46px!important;padding-inline:22px!important}}
@media(min-width:761px) and (max-width:1000px){.header .nav:has(.menu-toggle){min-height:72px}.header .nav:has(.menu-toggle) .desktop-nav{display:none}.header .nav:has(.menu-toggle) .menu-toggle{display:block}.header .nav:has(.menu-toggle) .header-book{display:inline-flex}.header:not(:has(.menu-toggle)) .nav{min-height:72px}.header:not(:has(.menu-toggle)) .desktop-nav{gap:18px;font-size:10px}}
@media(max-width:760px){.header .nav{min-height:68px}#mobile-menu{grid-template-columns:1fr;gap:2px;padding:10px 20px 14px;max-height:calc(100svh - 160px)}#mobile-menu a{min-height:46px;font-size:13px}.desktop-nav a.is-current:after{display:none}}
@media(prefers-reduced-motion:reduce){.desktop-nav a,.menu-toggle,.menu-toggle span{transition:none}}

/* Editorial finish: a financial field guide with the existing Closing Culture blue. */
:root{
  --paper:#fbfaf6;
  --paper-deep:#f4f2ec;
  --ink:#13213a;
  --line:#d9dfeb;
  --canvas-rail:clamp(32px,7.2vw,156px);
}
html{background:var(--paper)}
body{background:var(--paper);color:var(--ink)}
.header{background:color-mix(in srgb,var(--paper) 94%,white);border-bottom:1px solid #d9dfeb;box-shadow:0 4px 18px #13213a08;backdrop-filter:blur(16px)}
.header .nav{width:calc(100% - clamp(32px,6vw,120px))}
.section-heading{position:relative;align-items:end;padding-bottom:clamp(18px,2vw,32px);border-bottom:1px solid var(--line)}
.section-heading:after{content:"";position:absolute;left:0;bottom:-1px;width:clamp(54px,7vw,120px);height:2px;background:var(--blue)}
.eyebrow,.card-number,.tax-tag,.pill{letter-spacing:.16em}
.section-heading h2,.hero h1{font-family:Georgia,"Times New Roman",serif;font-weight:600;letter-spacing:-.045em}
.section-heading h2{line-height:1.06}
.hero h1{line-height:1.02}
.hero{position:relative;isolation:isolate}
.hero:before{content:"";position:absolute;z-index:-1;inset:5% 0;border-radius:clamp(18px,2.5vw,36px);background:linear-gradient(112deg,#fffdf8 0%,#f7f8fc 54%,#eef1ff 100%);border:1px solid #e4e6ed;box-shadow:0 18px 50px #17243a0a}
.hero-copy{padding:clamp(24px,4.2vw,72px)}
.hero-art{overflow:hidden;border:1px solid #dbe1ee;border-radius:clamp(18px,2.2vw,32px);background:linear-gradient(145deg,#e8f5f5,#eef0ff 68%,#fff8ed);box-shadow:0 24px 60px #152b4b12}
.hero-art img{filter:drop-shadow(0 12px 12px #12244612)}
.art-caption{border:1px solid #d9dfeb;box-shadow:0 10px 26px #152b4b14;background:#fffdf9}
.iul-part,.benefit-card,.tax-grid article,.loan-option-card,.fit-card,.calculator-shell,.explainer-panel,.tax-comparison-video{border-color:#dce1e9;box-shadow:0 12px 32px #17243a08}
.iul-part,.benefit-card,.tax-grid article,.loan-option-card,.fit-card{background:linear-gradient(180deg,#fffefa 0%,#f7f8fb 100%)}
.iul-part{border-radius:14px}
.benefit-card,.loan-option-card{border-radius:16px;overflow:hidden}
.iul-icon,.feature-icon{box-shadow:inset 0 0 0 1px #dfe4f2}
.iul-flow,.fit-note{background:linear-gradient(135deg,#f0f2ff,#fffefa);border-color:#dbe1ee}
.fit-pause{background:linear-gradient(135deg,#fff9ef,#fffefa)}
.explainer-panel,.tax-comparison-video{background:linear-gradient(120deg,#f3f5fb 0%,#fffdf8 100%)}
.explainer-video,.loan-option-art,.fuel-media{background-color:#e9eef8}
.loan-option-art img{filter:saturate(.94) contrast(1.02)}
.tax-grid .fuel-media{border:1px solid #e3e7ee;border-radius:12px}
.wide-detail{border-color:var(--line)}
.wide-detail>summary{font-weight:650}
.wide-detail[open]{background:#fffdf9}
.calculator-section{background:linear-gradient(180deg,#f1f3ff,#f8f8f5)}
.tax-section{background:linear-gradient(180deg,#f6f5ef,#faf9f6)}
.loans-section,#loans{background:linear-gradient(180deg,#fffefa,#f6f7fb)}
.protection-section,#protection{background:linear-gradient(180deg,#f4f5fb,#fffefa)}
.journey-section,#how-it-works{background:#14213a}
.button{box-shadow:0 8px 18px #315bfa28;transition:transform .18s ease,box-shadow .18s ease,background-color .18s ease}
.button:hover{transform:translateY(-2px);box-shadow:0 12px 24px #315bfa35}
a:focus-visible,button:focus-visible,input:focus-visible,summary:focus-visible{outline:3px solid #6f8bff;outline-offset:3px}
@media(min-width:1200px){
  .section-heading{margin-bottom:clamp(36px,4vw,72px)}
  .section-heading>p{max-width:48ch;color:#53627a}
  .wrap{width:calc(100% - clamp(48px,7.2vw,156px))}
  .hero{width:calc(100% - clamp(48px,7.2vw,156px));max-width:3200px}
  .hero-copy{max-width:1450px}
  .hero h1{max-width:15ch}
  .hero-art{max-width:1500px}
  .iul-part,.benefit-card,.loan-option-card{transition:transform .22s ease,box-shadow .22s ease}
  .iul-part:hover,.benefit-card:hover,.loan-option-card:hover{transform:translateY(-4px);box-shadow:0 20px 40px #17243a12}
}
@media(min-width:1200px) and (max-width:1679px){
  .hero{min-height:min(100svh,820px);gap:clamp(34px,3.2vw,58px);padding-block:clamp(30px,4.5svh,56px)}
  .hero h1{font-size:clamp(44px,3.9vw,56px);line-height:1.04;max-width:20ch}
  .hero-copy{padding:clamp(20px,2.2vw,34px)}
  .hero-art{max-width:900px}
}
@media(min-width:1680px){
  :root{--canvas-rail:clamp(72px,8vw,176px)}
  .wrap{width:calc(100% - var(--canvas-rail));max-width:3400px}
  .hero{width:calc(100% - var(--canvas-rail));max-width:3400px}
  main>section:not(.hero){padding-block:clamp(70px,6.2svh,122px)}
  .section-heading h2{font-size:clamp(60px,3.2vw,86px)}
  .section-heading{margin-bottom:clamp(34px,3.5svh,62px)}
}
@media(max-width:760px){
  :root{--canvas-rail:32px}
  .header .nav{width:calc(100% - 32px)}
  .hero{padding:14px 0 28px}
  .hero:before{inset:4px 0 0;border-radius:18px}
  .hero-copy{padding:24px 20px 12px}
  .hero h1{font-size:clamp(38px,10vw,50px);line-height:1.04;letter-spacing:-.04em}
  .hero-art{width:calc(100% - 24px);margin:4px auto 14px;border-radius:16px}
  .section-heading{padding-bottom:15px;margin-bottom:24px;gap:12px}
  .section-heading h2{font-size:clamp(32px,8vw,42px);line-height:1.08}
  .section-heading>p{font-size:14px;line-height:1.65}
  .iul-part,.benefit-card,.tax-grid article,.loan-option-card,.fit-card{box-shadow:0 5px 18px #17243a08}
  .iul-part:hover,.benefit-card:hover,.loan-option-card:hover{transform:none}
  .calculator-section,.tax-section,#protection,#loans{background:var(--paper)}
}
@media(prefers-reduced-motion:reduce){
  .button,.iul-part,.benefit-card,.loan-option-card{transition:none}
  .button:hover,.iul-part:hover,.benefit-card:hover,.loan-option-card:hover{transform:none}
}

/* Readability pass: no visible interface copy below 14px. */
:is(.eyebrow,.micro,small,.button.small,.text-link,.text-button,.pill,.brand i,.desktop-nav,.hero-note,.check,.art-caption,.chapter-strip,.chapter-strip b,.calculator-intro>p,.steps li,.steps li>span,.steps small,.calculator-intro .intro-disclaimer,.wizard-meta,.field-intro,.field label,.field small,.field input::placeholder,.input-wrap>span,.context-note p,.privacy-note,.quick-choices button,.label-note,.checkbox,.withdrawal-options summary,.form-error,.result-kind,.result-stats span,.chart-header>span,.chart-slider-label,.chart-legend,.shortfall-note,.scenario-card span,.scenario-card b,.results>.micro,.math-details summary,.math-details>p,table,caption,.result-actions .button,.result-actions .text-button,.result-disclaimer,.card-number,.benefit-card p,.benefit-card a,.explainer-panel p,.explainer-panel .micro,details p,.detail-columns figcaption,.tax-tag,.tax-grid p,.tax-grid small,.tax-footer p,.tax-footer button,.crediting-demo p,.crediting-demo label,.demo-result,.demo-result small,.crediting-demo .micro,.process-grid article>span,.process-grid p,.loan-story p,.leverage-grid p,.funding-flow>div>span,.funding-flow strong,.funding-flow>.flow-wide>span,.leverage-explainer>p,.leverage-explainer details p,.leverage-explainer summary,.book-section p,.book-section .micro,.availability,.call-card>p,.call-card>div,.call-card>a,.footer-top>a:not(.brand),.footer-top>span,.disclosures summary,.disclosures p,.footer-note,.hero .eyebrow,.hero-actions .button,.hero-actions .text-link,.section-heading>p,.calculator-intro>.pill,.wizard-meta .text-button,.wizard-actions .button,.results>.micro,.loan-options p,.faq-section>div>p,.faq-list p,.mobile-action-bar>a,.calculator-frame-note,.privacy-links,.privacy-panel p,.privacy-actions button,#privacy-custom label,#privacy-custom .micro,.video-play-label,.fuel-motion-toggle,.crediting-demo .demo-takeaway,.loan-option-label,.loan-option-copy p,.bumper-steps>div>span,.bumper-steps strong,.bumper-steps small,.bumper-scale,.charges-note,.iul-part .card-number,.iul-part p,.iul-flow div span,.iul-flow>p,.iul-flow div strong,.iul-flow>b,.iul-benefits-intro,.fit-card p,.fit-card .pill,.fit-note,.questions-to-ask ul,.tax-comparison-video p:not(.eyebrow),.tax-comparison-video .micro,#mobile-menu a,.header:not(:has(.menu-toggle)) .desktop-nav){font-size:14px!important;line-height:1.5}
.art-label{display:none}
.chart-legend{flex-wrap:wrap;row-gap:8px}
.result-table-wrap{max-width:100%;overflow-x:auto}
.loan-option-copy ul,.iul-part ul,.tax-examples ul,.fit-card ul{margin:10px 0 0;padding-left:20px;color:var(--muted);line-height:1.6}
.loan-option-copy li,.iul-part li,.tax-examples li,.fit-card li{padding-left:2px;margin:0 0 6px}
.loan-option-copy details,.tax-examples{margin-top:10px;border-top:1px solid var(--line);padding-top:9px}
.loan-option-copy details summary,.tax-examples summary{min-height:44px;display:flex;align-items:center;font-weight:650;color:var(--blue);cursor:pointer}
.loan-option-copy details[open] summary,.tax-examples[open] summary{margin-bottom:6px}
.loan-option-copy details ul{margin-top:0}
.loan-option-copy details li,.tax-examples li{line-height:1.55}
.definition-copy{flex:1;max-width:620px;color:var(--muted);font-size:16px;line-height:1.65}
.definition-copy p{margin:0 0 8px}
.definition-copy ul{margin:0;padding-left:20px}
.definition-copy li{margin:0 0 4px}
.protection-points{margin:14px 0 18px;padding-left:20px;line-height:1.65}
.protection-points li{margin:0 0 6px}
@media(max-width:760px){
  .brand i{display:none}
  .section-heading{align-items:start}
  .definition-copy{font-size:14px}
  .chapter-strip{gap:12px;align-items:start}
  .chart-legend{gap:8px 12px}
  .tax-examples{margin-top:8px}
  .loan-option-copy details summary,.tax-examples summary{min-height:46px}
}