:root {
  --inst-navy: #071c3f;
  --inst-navy-2: #102d5e;
  --inst-teal: #168f83;
  --inst-line: #d9e0e7;
  --inst-paper: #fbfcfd;
  --inst-paper-2: #f5f7f9;
  --inst-text: #142033;
  --inst-muted: #667085;
}
body { background: var(--inst-paper); color: var(--inst-text); letter-spacing: -.005em; }
main { background: var(--inst-paper); }
h1, h2, h3, h4 { color: var(--inst-text); }
h1 { font-weight: 650; letter-spacing: -.035em; }
h2 { font-weight: 620; letter-spacing: -.025em; }
p { color: var(--ink-soft); }
.hero--home {
  padding: 82px 0 56px;
  background:
    linear-gradient(180deg, rgba(7,28,63,.025), rgba(7,28,63,0) 52%),
    #fbfcfd;
  border-bottom: 1px solid rgba(20,32,51,.075);
}
.hero--home::before, .hero--home::after { opacity: .11 !important; filter: blur(14px); }
.hero--home .container { max-width: 970px; text-align: left; }
.hero--home .badge {
  margin-bottom: 22px; background: transparent; border: 0;
  border-left: 2px solid var(--inst-teal); border-radius: 0;
  color: var(--inst-muted); padding: 2px 0 2px 11px;
  font-size: .69rem; font-weight: 700; letter-spacing: .11em;
}
.hero--home h1 {
  max-width: 850px; margin: 0;
  font-size: clamp(2.8rem,5.4vw,4.65rem); line-height: 1.02;
  font-weight: 650; color: var(--inst-navy);
}
.hero--home .accent { color: var(--inst-teal); }
.hero--home .sub {
  max-width: 720px; margin: 22px 0 0;
  font-size: 1.08rem; line-height: 1.72; color: #596579;
}
main > .hero--home + .container {
  max-width: 1180px; padding-top: 42px;
}
main > .hero--home + .container::before {
  content: "FLAGSHIP PLANNING MODEL";
  display: block; margin-bottom: 11px;
  font-size: .68rem; line-height: 1; font-weight: 750;
  letter-spacing: .13em; color: #6b788b;
}
main > .hero--home + .container::after {
  content: "Model a long-term investment plan, inspect the assumptions, then share or export the result.";
  display: block; max-width: 680px; margin: -7px 0 22px;
  color: #6a7585; font-size: .9rem; line-height: 1.6;
  order: -1;
}
main > .hero--home + .container .calc-shell { margin-top: 18px; }
.calc-shell {
  border-radius: 2px; border-color: #dce3e9;
  box-shadow: 0 10px 32px rgba(16,32,60,.038); background: #fff;
}
.calc-panel { padding: 24px; }
.calc-panel.inputs { background: #f8fafb; border-right-color: #e0e5ea; }
.calc-panel h2 {
  font-size: .73rem; text-transform: uppercase; letter-spacing: .115em;
  color: #657285; font-weight: 750;
}
.input-affix, .input, select.input {
  border-radius: 2px; border-color: #cfd7df; background: #fff; box-shadow: none;
}
.input-affix:focus-within, input:focus, select:focus { box-shadow: 0 0 0 2px rgba(22,143,131,.1) !important; }
.result-head { border-bottom: 1px solid #e2e7ec; padding-bottom: 12px; }
.fv { color: var(--inst-navy); letter-spacing: -.045em; }
.growth-share { border-radius: 2px; background: rgba(22,143,131,.065); color: #116f67; }
.btn { border-radius: 2px; font-weight: 620; box-shadow: none; }
.btn.primary { background: var(--inst-navy); border-color: var(--inst-navy); color: #fff; }
.btn.primary:hover { background: var(--inst-navy-2); border-color: var(--inst-navy-2); }
.preset { border-radius: 2px; }
.hero--home ~ .section { padding-top: 72px; }
.hero--home ~ .section .section-head { max-width: 760px; margin-bottom: 28px; }
.hero--home ~ .section .section-head::before {
  display: block; margin-bottom: 9px;
  color: var(--inst-teal); font-size: .67rem; font-weight: 750;
  letter-spacing: .12em; text-transform: uppercase;
}
#calculators .section-head::before { content: "PLANNING TOOLS"; }
#calculators .section-head h2 { font-size: clamp(1.75rem,2.6vw,2.35rem); }
.section-head h2 { color: var(--inst-navy); }
.section-head p { color: #6b7788; max-width: 650px; }
.tool-cards {
  display: grid; grid-template-columns: repeat(3,minmax(0,1fr));
  gap: 0; border-top: 1px solid #dce3e9; border-left: 1px solid #dce3e9;
  background: #fff;
}
.tool-card {
  min-height: 180px; padding: 24px 23px 22px;
  border: 0 !important; border-right: 1px solid #dce3e9 !important;
  border-bottom: 1px solid #dce3e9 !important;
  border-radius: 0 !important; box-shadow: none !important;
  background: #fff; transition: background .14s ease;
}
.tool-card:hover { transform: none !important; background: #f8fafb; box-shadow: none !important; }
.tool-card .icon {
  width: auto; height: auto; display: inline-flex; margin-bottom: 22px;
  color: var(--inst-teal); background: transparent; border: 0;
}
.tool-card h3 { margin-bottom: 8px; font-size: 1.04rem; color: var(--inst-navy); }
.tool-card p { min-height: 52px; font-size: .84rem; line-height: 1.6; color: #687587; }
.tool-card .go { margin-top: 12px; color: #405269; font-size: .78rem; font-weight: 650; }
.trust-strip {
  display: grid; grid-template-columns: repeat(4,1fr); gap: 0;
  border-top: 1px solid #dce3e9; border-bottom: 1px solid #dce3e9;
  background: transparent;
}
.trust-item { padding: 25px 24px 27px; border-right: 1px solid #dce3e9; }
.trust-item:last-child { border-right: 0; }
.trust-item .t-ic { margin-bottom: 16px; color: var(--inst-teal); }
.trust-item h4 { margin-bottom: 7px; color: var(--inst-navy); font-size: .9rem; }
.trust-item p { margin: 0; color: #718094; font-size: .79rem; line-height: 1.55; }
.article-list {
  border-top: 1px solid #dce3e9; background: #fff;
}
.article-link {
  border-bottom: 1px solid #dce3e9; border-radius: 0 !important;
  padding: 18px 4px; background: transparent !important;
}
.article-link:hover { background: #f8fafb !important; text-decoration: none; }
.article-link .t { color: var(--inst-navy); font-weight: 640; }
.article-link .s { color: #738094; }
.article-link .go { color: var(--inst-teal); }
.card, .post-card, .feature-card, .info-card {
  border-radius: 2px !important; box-shadow: none !important; border-color: #dfe4ea !important;
}
.post-card:hover, .feature-card:hover {
  transform: none !important; border-color: #bcc6d0 !important; box-shadow: none !important;
}
.section-title, .section-head h2, main > .container > h2 { color: var(--inst-navy); }
.eyebrow { letter-spacing: .1em; }
.privacy-hint, .field-hint, .preset-note, .formula-link, .foot-src { color: #768397; }
.quick-answer, .alert-tip, .r72-note { border-radius: 2px !important; }
.guide-hero, .post-hero { border-bottom: 1px solid #e1e6eb; background: #fbfcfd; }
.guide-content, .post-content { max-width: 780px; }
.guide-section h2, .post-content h2 { color: var(--inst-navy); }
.site-footer { margin-top: 88px; background: #f1f4f6; border-top: 1px solid #d7dee5; }
.site-footer .container { padding-top: 48px; padding-bottom: 34px; }
.footer-grid { gap: 38px; }
.footer-grid h4 { color: #5f6c7d; font-size: .68rem; letter-spacing: .12em; }
.footer-grid a { color: #3e4b5c; }
.footer-grid a:hover { color: var(--inst-navy); }
.footer-note { border-top-color: #d7dee5; color: #758194; }
table { border-collapse: collapse; }
.table-scroll table th {
  background: #f4f6f8; color: #516074;
  text-transform: uppercase; letter-spacing: .055em; font-size: .72rem;
}
.table-scroll table td { border-color: #e1e6eb; }
[data-theme="dark"] body, [data-theme="dark"] main { background: var(--bg); }
[data-theme="dark"] .hero--home { background: linear-gradient(180deg,#0b1118 0%,#101820 100%); }
[data-theme="dark"] .hero--home h1 { color: #f1f5f7; }
[data-theme="dark"] .calc-shell, [data-theme="dark"] .tool-cards, [data-theme="dark"] .tool-card, [data-theme="dark"] .article-list { background: var(--bg); border-color: var(--border) !important; }
[data-theme="dark"] .tool-card:hover, [data-theme="dark"] .article-link:hover { background: var(--bg-soft) !important; }
[data-theme="dark"] .calc-panel.inputs { background: var(--bg-soft); }
[data-theme="dark"] .trust-strip, [data-theme="dark"] .trust-item { border-color: var(--border); }
[data-theme="dark"] .site-footer { background: var(--bg-soft); border-color: var(--border); }
[data-theme="dark"] body, [data-theme="dark"] h1, [data-theme="dark"] h2, [data-theme="dark"] h3, [data-theme="dark"] h4, [data-theme="dark"] .section-title, [data-theme="dark"] .section-head h2, [data-theme="dark"] main > .container > h2, [data-theme="dark"] .tool-card h3, [data-theme="dark"] .trust-item h4, [data-theme="dark"] .article-link .t, [data-theme="dark"] .guide-section h2, [data-theme="dark"] .post-content h2 { color: var(--ink) !important; }
[data-theme="dark"] p, [data-theme="dark"] .hero--home .sub, [data-theme="dark"] .section-head p, [data-theme="dark"] .tool-card p, [data-theme="dark"] .trust-item p, [data-theme="dark"] .article-link .s, [data-theme="dark"] .privacy-hint, [data-theme="dark"] .field-hint, [data-theme="dark"] .preset-note, [data-theme="dark"] .formula-link, [data-theme="dark"] .foot-src, [data-theme="dark"] main > .hero--home + .container::before, [data-theme="dark"] main > .hero--home + .container::after { color: var(--ink-soft) !important; }
[data-theme="dark"] .hero--home .badge, [data-theme="dark"] .eyebrow, [data-theme="dark"] .footer-grid h4, [data-theme="dark"] .footer-note { color: var(--muted) !important; }
[data-theme="dark"] .tool-card .go, [data-theme="dark"] .article-link .go, [data-theme="dark"] .hero--home .accent { color: var(--brand) !important; }
[data-theme="dark"] .growth-share { color: #7bd4bf; background: rgba(58,166,140,.14); border-color: rgba(123,212,191,.24); }
[data-theme="dark"] .input-affix, [data-theme="dark"] .input, [data-theme="dark"] select.input { background: var(--bg); color: var(--ink); border-color: var(--border-strong); }
[data-theme="dark"] .result-head, [data-theme="dark"] .article-link, [data-theme="dark"] .tool-card, [data-theme="dark"] .trust-item, [data-theme="dark"] .table-scroll table td { border-color: var(--border) !important; }
[data-theme="dark"] .table-scroll table th { background: var(--bg-soft); color: var(--ink-soft); }
[data-theme="dark"] .table-scroll table td { color: var(--ink); }
[data-theme="dark"] .guide-hero, [data-theme="dark"] .post-hero { background: var(--bg); border-color: var(--border); }
[data-theme="dark"] .footer-grid a { color: var(--ink-soft); }
[data-theme="dark"] .footer-grid a:hover { color: var(--ink); }
@media (max-width: 900px) {
.hero--home { padding: 48px 0 30px; }
.hero--home .container { text-align: center; }
.hero--home h1 { font-size: clamp(2.2rem,10vw,3.15rem); }
.hero--home .sub { margin-left: auto; margin-right: auto; }
.hero--home .badge { display: inline-block; }
main > .hero--home + .container { padding-top: 30px; }
.tool-cards { grid-template-columns: 1fr; border-left: 0; }
.tool-card { min-height: 0; border-left: 1px solid #dce3e9 !important; }
.trust-strip { grid-template-columns: repeat(auto-fit,minmax(min(100%,220px),1fr)); }
.trust-item:nth-child(2) { border-right: 0; }
.trust-item:nth-child(-n+2) { border-bottom: 1px solid #dce3e9; }
.calc-shell { border-radius: 2px; }
[data-theme="dark"] .tool-card { border-left-color: var(--border) !important; }
[data-theme="dark"] .trust-item:nth-child(-n+2) { border-bottom-color: var(--border); }
}