.ib-tools{--ib-navy:#0c2461;--ib-dark:#0b3d5b;--ib-blue:#28798a;--ib-ink:#172c3d;--ib-muted:#536776;--ib-border:#d9e3ea;--ib-soft:#f3f7fa;--ib-gold:#b07825;box-sizing:border-box;max-width:1120px;width:100%;margin:0 auto;color:var(--ib-ink);font-family:Roboto,Helvetica,Arial,sans-serif;font-size:16px;line-height:1.65;direction:ltr;text-align:left;isolation:isolate}
.ib-tools *,.ib-tools *::before,.ib-tools *::after{box-sizing:border-box}
.ib-tools [hidden]{display:none!important}
.ib-tools h1,.ib-tools h2,.ib-tools h3,.ib-tools h4{font-family:"Source Sans Pro",Roboto,Helvetica,Arial,sans-serif;letter-spacing:-.025em;color:var(--ib-ink);font-weight:700;line-height:1.2;padding:0;border:0}
.ib-tools h1{font-size:clamp(30px,4vw,46px);margin:0 0 18px}
.ib-tools h2{font-size:clamp(25px,3vw,32px);margin:0 0 18px}
.ib-tools h3{font-size:21px;margin:0 0 12px}
.ib-tools h4{font-size:18px;margin:0}
.ib-tools p{margin:0 0 16px;padding:0}
.ib-tools a{color:var(--ib-navy);text-decoration:underline;text-underline-offset:3px}
.ib-tools a:hover{color:var(--ib-blue)}
.ib-tools a:focus-visible,.ib-tools button:focus-visible,.ib-tools input:focus-visible,.ib-tools summary:focus-visible,.ib-tools .ib-table-scroll:focus-visible{outline:3px solid #5999b1;outline-offset:3px}
.ib-tools button,.ib-tools input{font-family:inherit;font-size:inherit;line-height:1.3;letter-spacing:normal;text-transform:none;box-shadow:none}
.ib-tools button{cursor:pointer;min-height:44px;border-radius:7px;margin:0;font-weight:600;transition:background-color .15s,border-color .15s;white-space:normal}
.ib-tools button:disabled{cursor:default;opacity:.5}
.ib-visually-hidden{position:absolute!important;width:1px!important;height:1px!important;padding:0!important;margin:-1px!important;overflow:hidden!important;clip:rect(0,0,0,0)!important;white-space:nowrap!important;border:0!important}
.ib-small{font-size:13px!important;line-height:1.5;color:var(--ib-muted)}
.ib-intro{max-width:800px;margin-bottom:22px!important;font-size:18px;line-height:1.65}
.ib-trust-row{display:flex;flex-wrap:wrap;gap:8px 22px;margin:0 0 28px;font-size:13px;font-weight:600;color:var(--ib-muted)}
.ib-trust-row span::before{content:'✓';color:var(--ib-blue);margin-right:7px}
.ib-tool-section{scroll-margin-top:100px}
.ib-tool-section>h2{font-size:26px;margin:0 0 12px}
.ib-calculator{border:1px solid var(--ib-border);border-radius:12px;overflow:hidden;background:#fff;container-type:inline-size;box-shadow:0 10px 36px rgba(12,36,97,.055)}
.ib-mode-switch{display:flex;gap:5px;padding:8px;background:var(--ib-soft);border-bottom:1px solid var(--ib-border)}
.ib-mode-switch button{flex:1;min-height:48px;padding:12px 16px;border:1px solid transparent;background:transparent;color:var(--ib-muted);font-size:14px}
.ib-mode-switch button[aria-pressed=true]{background:#fff;color:var(--ib-navy);border-color:var(--ib-border);box-shadow:0 2px 6px rgba(12,36,97,.04)}
.ib-calculator-grid{display:grid;grid-template-columns:minmax(0,1.02fr) minmax(0,1fr)}
.ib-input-panel{padding:26px;border-right:1px solid var(--ib-border);margin:0!important;background:#fff;min-width:0}
.ib-input-panel fieldset{border:0;min-width:0;padding:0;margin:0}
.ib-panel-heading{display:flex;align-items:center;justify-content:space-between;gap:10px;margin-bottom:12px}
.ib-panel-heading h3{font-size:21px;margin:0}
.ib-example-tag,.ib-estimate-tag{background:#eef3f8;color:var(--ib-navy);padding:4px 8px;border-radius:4px;font-size:10px;font-weight:600;white-space:nowrap}
.ib-example-tag{background:#f6f3ec;color:#6e5124}
.ib-fields-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:15px 16px;margin:18px 0}
.ib-field{min-width:0}
.ib-field label{display:block!important;margin:0 0 7px!important;font-size:12px!important;font-weight:600;line-height:1.45;color:var(--ib-ink);text-transform:none}
.ib-input-wrap{position:relative}
.ib-field input{display:block;width:100%!important;min-width:0;border:1px solid #b5c7d4!important;background:#fff!important;color:var(--ib-ink)!important;border-radius:6px!important;padding:11px 12px!important;height:46px!important;font-weight:500;font-size:16px!important;margin:0!important;appearance:textfield}
.ib-field input::-webkit-inner-spin-button,.ib-field input::-webkit-outer-spin-button{-webkit-appearance:none;margin:0}
.ib-field input:focus{border-color:var(--ib-navy)!important}
.ib-field input:disabled{background:var(--ib-soft)!important}
.ib-input-wrap:has(.ib-input-prefix) input{padding-left:28px!important}
.ib-input-wrap:has(.ib-input-suffix) input{padding-right:32px!important}
.ib-input-prefix,.ib-input-suffix{position:absolute;top:50%;transform:translateY(-50%);font-size:14px;color:var(--ib-muted);pointer-events:none}
.ib-input-prefix{left:12px}.ib-input-suffix{right:12px}
.ib-field small{display:block;font-size:11px;line-height:1.45;color:var(--ib-muted);margin-top:6px}
.ib-settings{border-top:1px solid var(--ib-border);padding:0;background:#fff}
.ib-settings summary{list-style:none;display:flex;align-items:center;gap:9px;min-height:52px;padding:12px 24px 12px 0;position:relative;font-size:12px;font-weight:600;line-height:1.4;cursor:pointer;color:var(--ib-ink)}
.ib-settings summary::-webkit-details-marker,.ib-schedule summary::-webkit-details-marker{display:none}
.ib-settings summary span{font-weight:400;font-size:11px;margin-left:auto;color:var(--ib-muted);text-align:right}
.ib-settings summary::after,.ib-schedule summary::after{content:'';width:7px;height:7px;border-right:1.5px solid var(--ib-muted);border-bottom:1.5px solid var(--ib-muted);transform:rotate(45deg);position:absolute;right:3px;top:21px}
.ib-settings[open] summary::after,.ib-schedule details[open]>summary::after{transform:rotate(225deg);top:25px}
.ib-settings>.ib-fields-grid{margin:5px 0 20px}
.ib-settings>.ib-small{margin:4px 0 16px}
.ib-settings-label{font-weight:600;color:var(--ib-ink);padding-top:4px}
.ib-income-assumptions{margin-bottom:18px}
.ib-income-assumptions>div{display:grid;grid-template-columns:minmax(80px,.75fr) minmax(0,1fr) minmax(0,1fr);gap:12px;align-items:center;padding:10px 0;border-bottom:1px solid var(--ib-border)}
.ib-income-assumptions>div>strong{font-size:12px;line-height:1.4}
.ib-income-assumptions .ib-field input{height:40px!important;font-size:14px!important}
.ib-income-assumptions .ib-field label{font-size:10px!important}
.ib-checkbox{display:flex!important;align-items:flex-start;gap:9px;font-size:12px;font-weight:500;line-height:1.6;margin:6px 0 16px!important;cursor:pointer}
.ib-checkbox input{accent-color:var(--ib-navy);width:17px;height:17px;min-width:17px;margin:2px 0 0!important;padding:0}
.ib-form-actions{display:flex;align-items:center;gap:12px;border-top:1px solid var(--ib-border);padding-top:18px}
.ib-button{background:var(--ib-navy)!important;color:#fff!important;border:1px solid var(--ib-navy)!important;padding:13px 17px;font-size:14px!important;flex:1}
.ib-button:hover{background:var(--ib-dark)!important}
.ib-button span{margin-left:5px}
.ib-reset,.ib-text-button{background:transparent!important;border:0!important;padding:5px 0;color:var(--ib-navy)!important;font-size:12px!important;text-decoration:underline;text-underline-offset:3px}
.ib-local-note{display:flex;align-items:flex-start;gap:7px;margin:15px 0 0!important;color:var(--ib-muted);font-size:11px;line-height:1.5}
.ib-local-note svg{width:15px;height:15px;flex-shrink:0}
.ib-error{background:#fff1eb;color:#8c2f0f;border:1px solid #edc6b6;border-radius:6px;padding:12px;font-size:13px;margin:10px 0}
.ib-output-panel{background:#f9fbfd;padding:26px;min-width:0}
.ib-output-panel.ib-is-stale .ib-primary-result,.ib-output-panel.ib-is-stale .ib-chart{opacity:.55}
.ib-stale{padding:10px;border:1px solid #d9cba6;border-radius:6px;background:#fff9ed;font-size:12px;color:#735322}
.ib-primary-result{border-left:3px solid var(--ib-navy);padding:8px 0 9px 18px;margin:19px 0 21px}
.ib-primary-result>span{display:block;color:var(--ib-muted);font-size:13px;font-weight:500}
.ib-primary-result>strong{display:block;font-family:"Source Sans Pro",Roboto,Arial,sans-serif;font-size:clamp(34px,4.5vw,48px);font-weight:700;line-height:1.13;letter-spacing:-.04em;color:var(--ib-navy);margin:5px 0 10px}
.ib-primary-result>p{font-size:12px;line-height:1.55;margin:0;max-width:390px;color:var(--ib-muted)}
.ib-result-stats{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:17px;padding:0 0 17px;border-bottom:1px solid var(--ib-border)}
.ib-result-stats span{display:block;font-size:11px;line-height:1.55;min-height:34px;color:var(--ib-muted)}
.ib-result-stats strong{display:block;font-size:24px;font-weight:600;letter-spacing:-.02em;color:var(--ib-ink)}
.ib-result-stats small{display:block;font-size:10px;color:var(--ib-muted);line-height:1.5;margin-top:4px}
.ib-result-context{font-size:11px;line-height:1.55;color:var(--ib-muted);margin:11px 0 22px!important}
.ib-chart-heading{display:flex;align-items:center;justify-content:space-between;gap:8px;margin:0 0 9px}
.ib-chart-heading h4{font-size:16px}
.ib-value-switch{display:flex;border:1px solid var(--ib-border);border-radius:5px;padding:2px;background:#fff}
.ib-value-switch button{font-size:9px;font-weight:500;min-height:30px;padding:5px 7px;border:0;background:transparent;color:var(--ib-muted);border-radius:3px}
.ib-value-switch button[aria-pressed=true]{background:var(--ib-navy);color:#fff}
.ib-chart{position:relative;aspect-ratio:600/285;min-height:180px}
.ib-chart svg{display:block;width:100%;height:auto;overflow:visible}
.ib-chart text{font:11px Roboto,Arial,sans-serif;fill:var(--ib-muted)}
.ib-chart-axis{position:absolute;right:50%;bottom:0;font-size:10px;color:var(--ib-muted)}
.ib-chart-help{font-size:10px;line-height:1.6;color:var(--ib-muted);margin:2px 0 17px!important}
.ib-scenario-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:7px}
.ib-scenario-grid button{text-align:left;padding:10px 9px;border:1px solid var(--ib-border);background:#fff;color:var(--ib-ink);font-weight:400;min-height:93px;display:flex;flex-direction:column;gap:5px;border-radius:6px}
.ib-scenario-grid button[aria-pressed=true]{border:2px solid var(--ib-navy);padding:9px 8px;background:#f3f6fc}
.ib-scenario-name{font-size:9px;font-weight:600;line-height:1.4}
.ib-dot{display:inline-block;width:6px;height:6px;border-radius:50%;margin-right:4px;vertical-align:1px}
.ib-dot-lower{background:var(--ib-gold)}.ib-dot-base{background:var(--ib-navy)}.ib-dot-higher{background:var(--ib-blue)}
.ib-scenario-grid strong{font-size:12px;line-height:1.4;display:block}.ib-scenario-grid small{font-size:9px;line-height:1.5;color:var(--ib-muted);display:block}
.ib-output-note{font-size:10px;line-height:1.55;color:var(--ib-muted);margin:15px 0 0!important}
.ib-schedule{border-top:1px solid var(--ib-border);background:#fff;padding:0 26px}
.ib-schedule summary{position:relative;cursor:pointer;list-style:none;padding:17px 30px 17px 0;font-size:13px;font-weight:600;color:var(--ib-navy)}
.ib-schedule summary::after{top:24px;right:1px}
.ib-schedule details[open]>summary::after{top:28px}
.ib-schedule-toolbar{display:flex;align-items:center;justify-content:space-between;gap:15px}
.ib-schedule-toolbar p{font-size:11px;color:var(--ib-muted);margin:0;line-height:1.5}
.ib-schedule-toolbar button{white-space:nowrap}
.ib-table-scroll{overflow-x:auto;max-width:100%;margin:10px 0 24px;border:1px solid var(--ib-border);border-radius:5px;overscroll-behavior-x:contain}
.ib-tools table{width:100%;border-collapse:collapse;margin:0;font-size:13px;line-height:1.55;background:#fff;border:0}
.ib-tools th,.ib-tools td{text-align:left;padding:13px 15px;border:0;border-bottom:1px solid var(--ib-border);vertical-align:top}
.ib-tools th{background:var(--ib-soft);color:var(--ib-ink);font-size:12px;font-weight:600;line-height:1.5}
.ib-tools tbody tr:last-child td{border-bottom:0}
.ib-schedule table{min-width:850px;font-size:11px;font-variant-numeric:tabular-nums}
.ib-schedule th{font-size:10px}
.ib-schedule td,.ib-schedule th{padding:11px 12px}
.ib-shortfall-row td:last-child{color:#a13b25;font-weight:600}
.ib-jump-nav{display:flex;flex-wrap:wrap;gap:9px 24px;padding:20px 0 22px;border-bottom:1px solid var(--ib-border);margin-bottom:12px;font-size:12px;font-weight:500}
.ib-jump-nav a{text-decoration:none;min-height:28px}
.ib-guide-section{padding:48px 0;border-bottom:1px solid var(--ib-border);scroll-margin-top:100px}
.ib-guide-section:last-child{border:0}
.ib-section-grid{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,1fr);gap:50px;align-items:center}
.ib-section-grid.ib-reverse{grid-template-columns:minmax(0,1fr) minmax(0,1.1fr)}
.ib-section-kicker{display:block;color:var(--ib-blue);font-weight:600;font-size:11px;letter-spacing:.13em;text-transform:uppercase;margin-bottom:12px}
.ib-guide-section p{color:#3f5566;font-size:15px;line-height:1.8}
.ib-guide-section ul,.ib-guide-section ol{padding-left:20px;margin:12px 0 20px;font-size:14px;color:#3f5566;line-height:1.8}
.ib-guide-section li{padding-left:4px;margin:7px 0}
.ib-guide-section strong{color:var(--ib-ink)}
.ib-artwork{width:100%;max-width:620px;margin:0 auto}
.ib-art-svg{display:block;width:100%;height:auto;aspect-ratio:16/9;border-radius:10px}
.ib-reading-width{max-width:850px;margin:auto}
.ib-equation{font-family:Roboto,Arial,sans-serif;color:var(--ib-navy);font-size:14px!important;padding:16px 0;border-top:1px solid var(--ib-border);border-bottom:1px solid var(--ib-border);line-height:1.8!important}
.ib-feature-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:25px;margin:25px 0}
.ib-feature-grid>div{border-top:2px solid var(--ib-navy);padding-top:16px}
.ib-feature-grid h3{font-size:19px;margin-bottom:10px}
.ib-feature-grid p{font-size:13px;line-height:1.7;margin:0}
.ib-example-table{margin:20px 0}
.ib-example-table td:first-child{font-weight:500;width:50%}
.ib-example-load{background:#fff!important;color:var(--ib-navy)!important;border:1px solid var(--ib-navy)!important;padding:12px 18px;font-size:13px!important}
.ib-method-details{border-top:1px solid var(--ib-border);padding:16px 0;margin-top:14px}
.ib-method-details summary{font-weight:600;cursor:pointer;font-size:14px;color:var(--ib-navy)}
.ib-method-details p{font-size:13px;margin:14px 0 0}
.ib-faq details{border-bottom:1px solid var(--ib-border);padding:0}
.ib-faq summary{list-style:none;font-weight:600;cursor:pointer;padding:20px 30px 20px 0;position:relative;font-size:15px;color:var(--ib-ink)}
.ib-faq summary::-webkit-details-marker{display:none}
.ib-faq summary::after{content:'+';position:absolute;right:2px;top:17px;font-size:22px;font-weight:400;color:var(--ib-blue)}
.ib-faq details[open] summary::after{content:'−'}
.ib-faq details p{font-size:14px;margin:0 0 22px;max-width:810px}
.ib-sources{font-size:12px;line-height:1.9;color:var(--ib-muted);padding:28px 0}
.ib-sources h3{font-size:16px}
.ib-sources ul{margin:8px 0 22px;padding-left:18px;font-size:12px}
.ib-sources p{font-size:11px;line-height:1.75}
@container (max-width:880px){.ib-calculator-grid{grid-template-columns:1fr}.ib-input-panel{border-right:0;border-bottom:1px solid var(--ib-border)}.ib-result-stats span{min-height:0}.ib-chart{max-width:620px;margin:auto}.ib-primary-result>p{max-width:100%}}
@container (max-width:430px){.ib-mode-switch{gap:2px;padding:5px}.ib-mode-switch button{font-size:11px;padding:9px 7px}.ib-input-panel,.ib-output-panel{padding:19px 16px}.ib-panel-heading h3{font-size:19px}.ib-estimate-tag{font-size:9px}.ib-fields-grid{gap:14px 12px}.ib-form-actions{gap:10px;flex-wrap:wrap}.ib-form-actions .ib-button{flex-basis:100%}.ib-reset{min-height:30px!important}.ib-settings summary{font-size:11px;gap:6px}.ib-settings summary span{font-size:9px}.ib-income-assumptions>div{grid-template-columns:1fr 1fr}.ib-income-assumptions>div>strong{grid-column:1/-1}.ib-chart-heading h4{font-size:15px}.ib-chart{min-height:155px}.ib-result-stats strong{font-size:23px}.ib-scenario-grid button{padding:10px 6px}.ib-scenario-grid button[aria-pressed=true]{padding:9px 5px}.ib-scenario-name{font-size:8px}.ib-scenario-grid strong{font-size:11px}.ib-schedule{padding:0 16px}.ib-schedule-toolbar{display:block}.ib-schedule-toolbar p{margin-bottom:5px}}
@media(max-width:880px){.ib-calculator-grid{grid-template-columns:1fr}.ib-input-panel{border-right:0;border-bottom:1px solid var(--ib-border)}.ib-section-grid,.ib-section-grid.ib-reverse{grid-template-columns:1fr;gap:24px}.ib-section-grid.ib-reverse .ib-artwork{order:2}.ib-guide-section{padding:35px 0}.ib-feature-grid{grid-template-columns:1fr;gap:18px}}
@media(max-width:480px){.ib-tools{font-size:15px}.ib-intro{font-size:16px}.ib-trust-row{gap:6px 14px;font-size:11px;margin-bottom:22px}.ib-jump-nav{gap:7px 17px;font-size:11px}.ib-guide-section h2{font-size:25px}.ib-guide-section p{font-size:14px}.ib-guide-section ul,.ib-guide-section ol{font-size:13px}.ib-tools th,.ib-tools td{padding:11px;font-size:11px}.ib-example-table td:first-child{width:55%}}
@media(prefers-reduced-motion:reduce){.ib-tools *{scroll-behavior:auto!important;animation:none!important;transition:none!important}}
@media print{.ib-tools .ib-input-panel,.ib-mode-switch,.ib-guide-section,.ib-intro,.ib-trust-row,.ib-jump-nav,.ib-sources,.ib-schedule-toolbar button{display:none!important}.ib-calculator-grid{display:block}.ib-output-panel{background:#fff}.ib-calculator{border:0;box-shadow:none}.ib-tools{max-width:100%}.ib-schedule .ib-table-scroll{overflow:visible}.ib-schedule table{min-width:0}.ib-tools svg{max-height:280px}.ib-primary-result{break-inside:avoid}}