:root{
      --bg:#f7f5f0;
      --paper:#ffffff;
      --text:#202427;
      --muted:#687078;
      --brand:#2f5d50;
      --brand-dark:#21463c;
      --accent:#e8902d;
      --accent-soft:#fff1df;
      --line:#e4e0d8;
      --ok:#2f6f4e;
      --shadow:0 16px 44px rgba(33,43,39,.08);
      --radius:22px;
      --max:1140px;
    }
    *{box-sizing:border-box}
    html{scroll-behavior:smooth}
    body{margin:0;font-family:system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;background:var(--bg);color:var(--text);line-height:1.6}
    a{color:inherit}
    .wrap{width:min(var(--max),calc(100% - 36px));margin-inline:auto}
    .topbar{position:sticky;top:0;z-index:30;background:rgba(247,245,240,.94);backdrop-filter:blur(10px);border-bottom:1px solid rgba(228,224,216,.8)}
    .topbar .inner{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:70px}
    .logo{font-weight:800;letter-spacing:.02em;text-decoration:none}
    .topnav{display:flex;gap:18px;align-items:center;font-size:.95rem}
    .topnav a{text-decoration:none;color:var(--muted)}
    .btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;background:var(--accent);color:#fff;text-decoration:none;font-weight:800;padding:14px 22px;border-radius:999px;border:0;cursor:pointer;box-shadow:0 8px 18px rgba(232,144,45,.22);transition:.2s ease}
    .btn:hover{transform:translateY(-1px);filter:brightness(.97)}
    .btn.secondary{background:var(--brand);box-shadow:none}
    .btn.ghost{background:transparent;color:var(--brand);border:1px solid var(--brand);box-shadow:none}
    .hero{padding:84px 0 54px;background:radial-gradient(circle at 80% 10%,rgba(232,144,45,.16),transparent 32%),linear-gradient(180deg,#fbfaf7 0%,var(--bg) 100%)}
    .hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center}
    .eyebrow{display:inline-block;text-transform:uppercase;letter-spacing:.12em;font-size:.78rem;font-weight:900;color:var(--brand);margin-bottom:16px}
    h1,h2,h3{line-height:1.13;margin:0 0 18px}
    h1{font-size:clamp(2.6rem,6vw,5.4rem);letter-spacing:-.045em}
    h2{font-size:clamp(2rem,4vw,3.35rem);letter-spacing:-.03em}
    h3{font-size:1.35rem}
    .lead{font-size:clamp(1.12rem,2vw,1.38rem);color:#3e4548;max-width:760px}
    .hero-note{font-size:.92rem;color:var(--muted);margin-top:12px}
    .calc-card{background:var(--paper);padding:28px;border-radius:var(--radius);box-shadow:var(--shadow);border:1px solid var(--line)}
    .calc-line{display:grid;grid-template-columns:1fr auto;gap:14px;padding:12px 0;border-bottom:1px solid var(--line)}
    .calc-line:last-child{border-bottom:0}
    .calc-line strong{font-size:1.22rem}
    .calc-total{margin-top:18px;padding:18px;border-radius:16px;background:var(--accent-soft)}
    .calc-total .big{font-size:2.3rem;font-weight:900;color:var(--brand-dark)}
    .section{padding:82px 0}
    .section.alt{background:#eeece7}
    .section.white{background:#fff}
    .section-head{max-width:820px;margin-bottom:34px}
    .section-head p{color:var(--muted);font-size:1.08rem}
    .cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
    .family-extra{grid-template-columns:1fr 1fr}
    .card{background:var(--paper);padding:26px;border-radius:18px;border:1px solid var(--line);box-shadow:0 8px 26px rgba(33,43,39,.04)}
    .card .num{font-size:2.15rem;font-weight:900;color:var(--accent);line-height:1}
    .card p{margin-bottom:0;color:var(--muted)}
    .two-col{display:grid;grid-template-columns:1fr 1fr;gap:44px;align-items:start}
    .quote{font-size:clamp(1.5rem,3vw,2.4rem);font-weight:800;line-height:1.25;color:var(--brand-dark);padding:26px 0}
    .ticks{display:grid;gap:12px;margin:24px 0 0;padding:0;list-style:none}
    .ticks li{padding-left:34px;position:relative}
    .ticks li:before{content:"✓";position:absolute;left:0;top:-1px;width:23px;height:23px;border-radius:50%;display:grid;place-items:center;background:#dfeee7;color:var(--ok);font-weight:900;font-size:.82rem}
    .calculator{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow)}
    input[type=range]{width:100%;accent-color:var(--accent)}
    .amount-display{display:flex;align-items:baseline;justify-content:space-between;gap:12px;margin:10px 0 18px}
    .amount-display output{font-size:2rem;font-weight:900;color:var(--brand-dark)}
    .statgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:22px}
    .stat{background:#f8f7f3;border:1px solid var(--line);border-radius:14px;padding:16px}
    .stat span{display:block;color:var(--muted);font-size:.82rem}
    .stat strong{display:block;font-size:1.35rem;margin-top:4px}
    .compound-wrap{margin-top:28px;border-top:1px solid var(--line);padding-top:28px}
    .control-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:20px}
    .control{background:#f8f7f3;border:1px solid var(--line);border-radius:16px;padding:18px}
    .control output{font-size:1.55rem;font-weight:900;color:var(--brand-dark)}
    .rate-buttons{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin-top:12px}
    .rate-btn,.choice-btn{border:1px solid #cfc9be;background:#fff;color:var(--brand-dark);font:inherit;font-weight:850;padding:11px 10px;border-radius:12px;cursor:pointer}
    .rate-btn.active,.choice-btn.active{background:var(--brand);color:#fff;border-color:var(--brand)}
    .family-controls{margin-top:24px;padding:20px;background:#f8f7f3;border:1px solid var(--line);border-radius:16px}
    .family-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:18px;align-items:start}
    .choice-buttons{display:grid;grid-template-columns:repeat(4,1fr);gap:9px;margin-top:10px}
    .young-toggle{display:flex;gap:10px;align-items:flex-start;margin-top:10px;padding:12px 14px;background:#fff;border:1px solid var(--line);border-radius:12px}
    .young-toggle input{width:auto;margin-top:4px}
    .funding-summary{margin-top:18px;overflow:hidden;border:1px solid var(--line);border-radius:16px;background:#fff}
    .funding-row{display:grid;grid-template-columns:1.4fr .8fr .8fr;gap:12px;padding:13px 16px;border-bottom:1px solid var(--line);align-items:center}
    .funding-row:last-child{border-bottom:0}
    .child-details{display:grid;gap:12px;margin-top:14px}
    .child-detail{display:grid;grid-template-columns:1fr 140px 210px;gap:12px;align-items:end;padding:12px;border:1px solid var(--line,#ddd);border-radius:14px;background:#fff}
    .child-detail strong{align-self:center}
    .child-detail label{font-size:.88rem;margin-bottom:5px;display:block}
    .child-detail input,.child-detail select{width:100%;padding:10px 12px;border:1px solid #cfcfcf;border-radius:10px;font:inherit;background:#fff}
    .child-duration-note{margin-top:10px;padding:10px 12px;border-radius:10px;background:#f7f7f4;font-size:.9rem}
    @media(max-width:720px){.child-detail{grid-template-columns:1fr}.child-detail strong{margin-bottom:-4px}}
    .funding-row.head{background:#f1efe9;text-transform:uppercase;letter-spacing:.06em;font-size:.76rem;font-weight:850;color:var(--muted)}
    .funding-row strong{text-align:right;color:var(--brand-dark)}
    .funding-row .state{color:#9b7416}
    .bonus-note{margin-top:12px;padding:13px 15px;border-radius:13px;background:#fff7dc;border:1px solid #ecd89d}
    .result-hero{margin-top:22px;background:linear-gradient(145deg,#244f43,#193a32);color:#fff;border-radius:18px;padding:24px}
    .result-hero .result-big{font-size:clamp(2.2rem,6vw,4rem);font-weight:950;line-height:1;margin:8px 0}
    .result-hero p{color:rgba(255,255,255,.82);margin:4px 0}
    .compound-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:14px}
    .compound-stat{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.15);border-radius:12px;padding:14px}
    .compound-stat span{display:block;font-size:.78rem;color:rgba(255,255,255,.72)}
    .compound-stat strong{font-size:1.2rem}
    .delay-box{margin-top:20px;background:var(--accent-soft);border:1px solid #f0d2aa;border-radius:18px;padding:22px}
    .delay-box h3{margin-bottom:8px}
    .delay-grid{display:grid;grid-template-columns:1fr auto 1fr;gap:16px;align-items:center;margin-top:16px}
    .delay-side{background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px}
    .delay-side strong{display:block;font-size:1.55rem;color:var(--brand-dark)}
    .delay-arrow{font-size:1.5rem;font-weight:900;color:var(--accent)}
    .delay-loss{margin-top:14px;font-size:1.1rem}
    .delay-loss strong{font-size:1.5rem;color:var(--brand-dark)}
    .msci-box{margin-top:22px;background:#f8f7f3;border:1px solid var(--line);border-radius:18px;padding:22px}
    .msci-kpis{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:16px 0}
    .msci-kpi{background:#fff;border:1px solid var(--line);border-radius:13px;padding:15px}
    .msci-kpi strong{display:block;font-size:1.5rem;color:var(--brand-dark)}
    .model-note{font-size:.86rem;color:var(--muted);margin-top:16px}
    .story{background:linear-gradient(145deg,#244f43,#193a32);color:#fff;border-radius:var(--radius);padding:34px}
    .story p{color:rgba(255,255,255,.84)}
    .story .eyebrow{color:#ffd8a5}
    .about-grid{display:grid;grid-template-columns:.92fr 1.08fr;gap:44px;align-items:stretch}
    .about-photo-wrap{display:flex;flex-direction:column;gap:12px}
    .about-photo{width:100%;height:100%;min-height:420px;object-fit:cover;object-position:center top;border-radius:var(--radius);border:1px solid var(--line);box-shadow:var(--shadow);background:#ddd}
    .about-caption{font-size:.95rem;color:var(--muted)}
    .about-copy{display:grid;gap:20px}
    .about-panel{background:var(--paper);padding:30px;border:1px solid var(--line);border-radius:var(--radius);box-shadow:0 8px 26px rgba(33,43,39,.04)}
    .about-panel p:last-child{margin-bottom:0}
    .principles{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin-top:22px}
    .principle{padding:16px;border:1px solid rgba(255,255,255,.2);border-radius:14px;background:rgba(255,255,255,.05);font-weight:700}
    .cta-panel{background:var(--accent-soft);border:1px solid #f3d5ad;border-radius:var(--radius);padding:36px;text-align:center}
    form{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:30px;box-shadow:var(--shadow)}
    .form-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}
    .field.full{grid-column:1/-1}
    label{display:block;font-weight:800;margin-bottom:7px}
    input,select,textarea{width:100%;font:inherit;color:var(--text);background:#fff;border:1px solid #cfc9be;border-radius:12px;padding:13px 14px;outline:none}
    input:focus,select:focus,textarea:focus{border-color:var(--brand);box-shadow:0 0 0 3px rgba(47,93,80,.10)}
    textarea{min-height:120px;resize:vertical}
    .check{display:flex;align-items:flex-start;gap:10px;font-size:.93rem;color:#4e5558}
    .check input{width:auto;margin-top:4px}
    .form-status{margin-top:14px;padding:13px 14px;border-radius:12px;display:none}
    .form-status.ok{display:block;background:#e8f5ec;color:#23563b;border:1px solid #bfe1ca}
    .form-status.err{display:block;background:#fff0ef;color:#8a2f2a;border:1px solid #efc4c1}
    .faq{display:grid;gap:12px}
    details{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px 20px}
    summary{cursor:pointer;font-weight:850}
    details p{color:var(--muted);margin-bottom:0}
    .fine{font-size:.9rem;color:var(--muted)}
    .toc{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:0 8px 26px rgba(33,43,39,.04)}
    .toc h2{font-size:1.4rem;margin-bottom:14px}
    .toc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px 18px}
    .toc a{display:block;padding:9px 11px;border-radius:10px;text-decoration:none;color:var(--brand-dark);font-weight:750;background:#f8f7f3;border:1px solid transparent}
    .toc a:hover{border-color:var(--line);background:#fff}
    .definition-box{background:linear-gradient(145deg,#244f43,#193a32);color:#fff;border-radius:var(--radius);padding:32px}
    .definition-box p{color:rgba(255,255,255,.86);font-size:1.07rem}
    .updated{display:inline-flex;gap:8px;align-items:center;font-size:.85rem;color:var(--muted);margin-top:12px}
    .source-list{display:grid;gap:12px;margin-top:20px}
    .source-item{background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px}
    .source-item a{font-weight:800;color:var(--brand-dark)}
    .seo-callout{background:var(--accent-soft);border:1px solid #f0d2aa;border-radius:18px;padding:22px}
    footer{padding:36px 0 48px;border-top:1px solid var(--line);font-size:.9rem;color:var(--muted)}
    .footer-grid{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}
    .footer-links{display:flex;gap:16px;flex-wrap:wrap}
    .footer-links a{text-decoration:none}
    .hp{position:absolute;left:-9999px;opacity:0;pointer-events:none}
    @media (max-width:900px){
      .hero-grid,.two-col,.about-grid{grid-template-columns:1fr}
      .toc-grid{grid-template-columns:1fr 1fr}
      .cards,.family-extra{grid-template-columns:1fr}
      .statgrid{grid-template-columns:1fr 1fr}
      .control-grid{grid-template-columns:1fr}
      .compound-stats{grid-template-columns:1fr}
      .topnav a:not(.btn){display:none}
      .hero{padding-top:58px}
    }
    @media (max-width:620px){
      .wrap{width:min(100% - 24px,var(--max))}
      .section{padding:60px 0}
      .form-grid,.principles{grid-template-columns:1fr}
      .field.full{grid-column:auto}
      .statgrid{grid-template-columns:1fr}
      .rate-buttons{grid-template-columns:repeat(2,1fr)}
      .family-grid{grid-template-columns:1fr}
      .choice-buttons{grid-template-columns:repeat(2,1fr)}
      .funding-row{grid-template-columns:1.15fr .85fr .85fr;font-size:.9rem;padding:11px}
      .delay-grid{grid-template-columns:1fr}
      .delay-arrow{transform:rotate(90deg);text-align:center}
      .msci-kpis{grid-template-columns:1fr}
      .topbar .inner{min-height:62px}
      .btn{width:100%}
      .topnav .btn{width:auto;padding:10px 14px}
      .cta-panel{padding:26px 18px}
      .about-photo{min-height:320px}
      .toc-grid{grid-template-columns:1fr}
    }
  
.fou-legacy-notice{max-width:1100px;margin:18px auto;padding:14px 18px;border-radius:12px;font:600 16px/1.5 system-ui,sans-serif}.fou-legacy-notice.ok{background:#e8f5ec;color:#23563b;border:1px solid #bfe1ca}.fou-legacy-notice.error{background:#fff0ef;color:#8a2f2a;border:1px solid #efc4c1}