@font-face{font-family:Greycliff CF;src:url(/fonts/GreycliffCF-Regular.woff2) format("woff2");font-weight:400;font-style:normal;font-display:swap}@font-face{font-family:Greycliff CF;src:url(/fonts/GreycliffCF-DemiBold.woff2) format("woff2");font-weight:600;font-style:normal;font-display:swap}@font-face{font-family:Greycliff CF;src:url(/fonts/GreycliffCF-ExtraBold.woff2) format("woff2");font-weight:800;font-style:normal;font-display:swap}:root{--navy:#2C4164;--deep:#164A88;--teal:#57AFC1;--orange:#FF6B00;--green:#59A735;--white:#fff;--lgray:#F5F7FA;--g50:#F8FAFC;--g100:#F1F4F8;--g200:#E4E9F0;--g300:#CBD3DE;--g400:#9AA4B2;--g500:#6B7686;--g600:#4B5565;--fg1:var(--navy);--fg2:var(--g600);--fg3:var(--g500);--shadow-sm:0 2px 4px rgba(44,65,100,.08),0 1px 2px rgba(44,65,100,.04);--shadow-md:0 4px 12px rgba(44,65,100,.1),0 2px 4px rgba(44,65,100,.06);--shadow-lg:0 10px 24px rgba(44,65,100,.12),0 4px 8px rgba(44,65,100,.08);--font:"Greycliff CF",-apple-system,"Segoe UI",Roboto,sans-serif;--ease:cubic-bezier(.2,.8,.2,1)}*{box-sizing:border-box}html{scroll-behavior:smooth}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}body{margin:0;font-family:var(--font);color:var(--fg1);background:var(--lgray);font-size:15px;line-height:1.6;-webkit-font-smoothing:antialiased}input,select,button{font-family:var(--font)}.hero{background:var(--navy);background-image:url(/brand/dots-halftone.png);background-repeat:no-repeat;background-position:top -40px right -60px;background-size:420px;color:#fff;padding:0 0 56px}.hero-nav{display:flex;align-items:center;gap:20px;padding:22px 40px;max-width:1200px;margin:0 auto}.hero-nav img.logo{height:34px;display:block}.hero-nav .divide{width:1px;height:26px;background:#ffffff40}.hero-nav .appname{font-size:13px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--teal)}.hero-nav .spacer{flex:1}.proto-tag{font-size:11px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;background:#ffffff1f;padding:5px 12px;border-radius:999px;color:var(--g300)}.hero-inner{max-width:1200px;margin:0 auto;padding:28px 40px 0;display:flex;align-items:center;gap:48px}.hero-copy{flex:1;max-width:640px}.hero h1{font-size:42px;font-weight:800;line-height:1.15;letter-spacing:-.015em;margin:0 0 14px;color:#fff;text-wrap:balance}.hero p.sub{font-size:17px;line-height:1.65;color:var(--g300);margin:0 0 26px;max-width:560px}.steps{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:30px}.stepchip{display:flex;align-items:center;gap:9px;background:#ffffff14;border:1px solid rgba(255,255,255,.14);border-radius:999px;padding:7px 16px 7px 8px;font-size:13px;font-weight:600;color:#fff}.stepchip .n{width:22px;height:22px;border-radius:50%;background:var(--teal);color:var(--navy);font-size:12px;font-weight:800;display:flex;align-items:center;justify-content:center}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-weight:600;font-size:15px;line-height:1;padding:15px 26px;border-radius:6px;border:1px solid transparent;cursor:pointer;text-decoration:none;transition:background .12s var(--ease),box-shadow .12s var(--ease),transform .12s var(--ease)}.btn:active{transform:translateY(1px)}.btn-primary{background:var(--orange);color:#fff}.btn-primary:hover{background:#e85f00;box-shadow:var(--shadow-sm)}.btn-ghost-inv{background:transparent;color:#fff;border-color:#fff6}.btn-ghost-inv:hover{background:#ffffff1a}.hero-rooty{flex-shrink:0;display:flex;flex-direction:column;align-items:center;gap:10px}.hero-rooty img{width:170px;height:auto;display:block;filter:drop-shadow(0 12px 24px rgba(0,0,0,.28))}.hero-rooty .bubble{background:#fff;color:var(--navy);font-size:13px;font-weight:600;border-radius:12px;padding:9px 16px;max-width:210px;text-align:center;box-shadow:var(--shadow-md)}@media(max-width:860px){.hero-rooty{display:none}.hero h1{font-size:32px}.hero-inner,.hero-nav{padding-left:20px;padding-right:20px}}.kpibar{position:sticky;top:0;z-index:60;background:#fff;border-bottom:1px solid var(--g200);box-shadow:var(--shadow-sm)}.kpibar-inner{max-width:1200px;margin:0 auto;padding:12px 40px;display:flex;gap:40px;align-items:center;overflow-x:auto}.kpi{min-width:120px}.kpi .lbl{font-size:10.5px;font-weight:600;letter-spacing:.11em;text-transform:uppercase;color:var(--fg3);white-space:nowrap}.kpi .val{font-size:23px;font-weight:800;letter-spacing:-.01em;font-variant-numeric:tabular-nums;white-space:nowrap;line-height:1.25}.kpi .val.accent{color:var(--orange)}.kpi .sub{font-size:11px;color:var(--fg3);white-space:nowrap}.kpi-progress{margin-left:auto;text-align:right;min-width:140px}.kpi-progress .cnt{font-size:13px;font-weight:600;color:var(--fg2)}.kpi-progress .bar{width:140px;height:5px;border-radius:3px;background:var(--g200);margin-top:5px;overflow:hidden}.kpi-progress .fill{height:100%;background:var(--green);border-radius:3px;transition:width .2s var(--ease)}@media(max-width:860px){.kpibar-inner{padding:10px 16px;gap:24px}.kpi-progress{display:none}}.shell{display:flex;max-width:1200px;margin:0 auto;gap:28px;padding:32px 40px 96px}@media(max-width:860px){.shell{padding:20px 16px 80px}}nav.rail{width:230px;flex-shrink:0;position:sticky;top:92px;align-self:flex-start}nav.rail .rail-title{font-size:10.5px;font-weight:600;letter-spacing:.13em;text-transform:uppercase;color:var(--fg3);padding:0 12px 8px}nav.rail a{display:flex;align-items:center;gap:10px;padding:9px 12px;border-radius:6px;color:var(--fg2);text-decoration:none;font-size:13.5px;font-weight:600;transition:background .12s var(--ease),color .12s var(--ease)}nav.rail a:hover{background:#fff;color:var(--fg1)}nav.rail a .n{width:20px;height:20px;border-radius:50%;background:var(--g200);color:var(--fg2);font-size:11px;font-weight:800;display:flex;align-items:center;justify-content:center;flex-shrink:0}nav.rail a .n.on{background:var(--green);color:#fff}nav.rail a .amt{margin-left:auto;font-size:12px;font-weight:600;color:var(--fg3);font-variant-numeric:tabular-nums}nav.rail .rail-note{font-size:12px;color:var(--fg3);padding:16px 12px 0;line-height:1.55}main{flex:1;min-width:0}@media(max-width:900px){nav.rail{display:none}}section.panel{background:#fff;border:1px solid var(--g200);border-radius:8px;box-shadow:var(--shadow-sm);margin-bottom:26px;scroll-margin-top:88px}.panel-head{padding:26px 32px 0}.panel-body{padding:20px 32px 28px}@media(max-width:860px){.panel-head{padding:20px 18px 0}.panel-body{padding:16px 18px 22px}}.stepline{display:flex;align-items:center;gap:10px;margin-bottom:10px}.stepnum{width:26px;height:26px;border-radius:50%;background:var(--navy);color:#fff;font-size:13px;font-weight:800;display:flex;align-items:center;justify-content:center}.steplbl{font-size:11px;font-weight:600;letter-spacing:.13em;text-transform:uppercase;color:var(--orange)}h2.sec-title{font-size:23px;font-weight:800;letter-spacing:-.01em;margin:0 0 4px}.sec-sub{font-size:14px;color:var(--fg2);margin:0;max-width:600px}.sec-total{float:right;text-align:right;margin-left:16px}.sec-total .amt{font-size:23px;font-weight:800;font-variant-numeric:tabular-nums;color:var(--deep)}.sec-total .cap{font-size:11px;color:var(--fg3)}.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(210px,1fr));gap:16px 20px}.field label{display:block;font-size:12.5px;font-weight:600;color:var(--fg2);margin-bottom:5px;line-height:1.35}.inwrap{display:flex;align-items:center;border:1px solid var(--g300);border-radius:6px;background:#fff;transition:border-color .12s var(--ease),box-shadow .12s var(--ease)}.inwrap:focus-within{border-color:var(--orange);box-shadow:0 0 0 2px #ff6b002e}.inwrap .fix{font-size:13px;font-weight:600;color:var(--fg3);padding:0 4px 0 11px;-webkit-user-select:none;user-select:none}.inwrap .fix.suf{padding:0 11px 0 4px}.inwrap input{flex:1;min-width:0;border:none;outline:none;padding:10px 11px;font-size:14.5px;font-weight:600;color:var(--fg1);background:transparent;font-variant-numeric:tabular-nums}.inwrap input:only-child{padding:10px 12px}.seg{display:flex;border:1px solid var(--g300);border-radius:6px;overflow:hidden;background:#fff}.seg button{flex:1;padding:10px 4px;background:#fff;border:none;font-size:12.5px;font-weight:600;color:var(--fg2);cursor:pointer;transition:background .12s var(--ease),color .12s var(--ease);border-right:1px solid var(--g200)}.seg button:last-child{border-right:none}.seg button:hover{background:var(--g50)}.seg button.on{background:var(--deep);color:#fff}.seg button:focus-visible{outline:2px solid var(--orange);outline-offset:-2px}.driver{border:1px solid var(--g200);border-left:3px solid var(--g200);border-radius:6px;margin-bottom:14px;background:#fff;transition:border-color .16s var(--ease),box-shadow .16s var(--ease)}.driver.on{border-left-color:var(--teal)}.driver.open{box-shadow:var(--shadow-md)}.drv-head{display:flex;align-items:center;gap:16px;padding:16px 20px;cursor:pointer}.drv-toggle{width:40px;height:23px;border-radius:999px;background:var(--g300);position:relative;flex-shrink:0;transition:background .16s var(--ease);border:none;cursor:pointer}.drv-toggle:focus-visible{outline:2px solid var(--orange);outline-offset:2px}.drv-toggle:after{content:"";position:absolute;top:2.5px;left:3px;width:18px;height:18px;border-radius:50%;background:#fff;transition:left .16s var(--ease);box-shadow:0 1px 2px #00000040}.drv-toggle.on{background:var(--green)}.drv-toggle.on:after{left:19px}.drv-mid{flex:1;min-width:0}.drv-title{font-size:15.5px;font-weight:600}.drv-title .rec{font-size:10px;font-weight:800;letter-spacing:.07em;text-transform:uppercase;color:var(--deep);background:#e8f0fa;border-radius:999px;padding:2px 9px;margin-left:9px;vertical-align:2px;white-space:nowrap}.drv-hint{font-size:12px;color:var(--fg3);margin-top:1px}.drv-right{display:flex;align-items:center;gap:14px}.drv-amt{font-size:17px;font-weight:800;font-variant-numeric:tabular-nums;white-space:nowrap;color:var(--deep)}.drv-amt.zero{color:var(--g400);font-weight:600;font-size:13px}.chev{width:22px;height:22px;flex-shrink:0;color:var(--g400);transition:transform .2s var(--ease)}.driver.open .chev{transform:rotate(180deg)}.drv-body{display:none;padding:2px 20px 20px 76px}.driver.open .drv-body{display:block}@media(max-width:860px){.drv-body{padding-left:20px}}.drv-inputs{display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));gap:13px 18px;margin-bottom:16px}.drv-math{font-size:12.5px;line-height:1.7;color:var(--fg2);background:var(--g50);border:1px solid var(--g100);border-left:3px solid var(--teal);border-radius:0 6px 6px 0;padding:10px 15px;font-variant-numeric:tabular-nums;margin-bottom:14px}.drv-math b{color:var(--fg1)}.drv-foot{display:flex;align-items:center;gap:14px;flex-wrap:wrap}.conf{display:flex;border:1px solid var(--g300);border-radius:999px;overflow:hidden}.conf button{border:none;background:#fff;padding:6px 14px;font-size:12px;font-weight:600;color:var(--fg2);cursor:pointer;transition:background .12s var(--ease);border-right:1px solid var(--g200)}.conf button:last-child{border-right:none}.conf button.on{background:var(--deep);color:#fff}.conf-lbl{font-size:12px;color:var(--fg3);font-weight:600}.evidence{font-size:12px;line-height:1.5;color:var(--fg2);background:var(--g100);border-radius:6px;padding:6px 13px;flex:1;min-width:200px}.sliderline{display:flex;align-items:center;gap:18px;margin-top:8px}.sliderline input[type=range]{flex:1;accent-color:var(--orange);height:6px}.sliderline .readout{font-size:15px;font-weight:800;min-width:100px;text-align:right;font-variant-numeric:tabular-nums}.ramp-viz{display:flex;gap:8px;margin-top:12px}.ramp-yr{flex:1;text-align:center}.ramp-bar{height:9px;border-radius:5px;background:var(--g200);overflow:hidden}.ramp-fill{height:100%;background:var(--teal);border-radius:5px;transition:width .2s var(--ease)}.ramp-cap{font-size:11.5px;color:var(--fg3);margin-top:4px;font-variant-numeric:tabular-nums}.quote-chip{display:inline-block;font-size:10px;font-weight:800;letter-spacing:.06em;text-transform:uppercase;color:var(--green);background:#eff7ea;border:1px solid #D8EBCC;border-radius:999px;padding:2px 9px;margin-left:6px;vertical-align:1px}table.sumtab{width:100%;border-collapse:collapse;font-size:13.5px;font-variant-numeric:tabular-nums}.sumtab th{text-align:right;font-size:11px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--fg3);padding:8px 12px;border-bottom:2px solid var(--g200)}.sumtab th:first-child{text-align:left;padding-left:0}.sumtab td{text-align:right;padding:8px 12px;border-bottom:1px solid var(--g100)}.sumtab td:first-child{text-align:left;padding-left:0;color:var(--fg2);font-weight:600}.sumtab tr.neg td{color:var(--fg2)}.sumtab tr.total td{font-weight:800;color:var(--fg1);border-top:2px solid var(--g300);border-bottom:none;font-size:14.5px}.statgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(165px,1fr));gap:16px;margin-top:22px}.stat{background:var(--lgray);border:1px solid var(--g100);border-radius:6px;padding:16px 18px}.stat .lbl{font-size:10.5px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--fg3)}.stat .val{font-size:22px;font-weight:800;font-variant-numeric:tabular-nums;margin-top:3px}.stat .sub{font-size:11.5px;color:var(--fg3)}.equity{background:var(--navy);background-image:url(/brand/dots-halftone.png);background-repeat:no-repeat;background-position:bottom -80px left -80px;background-size:360px;color:#fff;border-radius:8px;padding:30px 34px;margin-top:24px}.equity .steplbl{color:var(--teal)}.equity h3{margin:0 0 6px;font-size:22px;font-weight:800;color:#fff;letter-spacing:-.01em}.equity p.note{color:var(--g300);font-size:13.5px;line-height:1.6;margin:0 0 20px;max-width:640px}.eq-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(190px,1fr));gap:16px}.eq-stat{background:#ffffff12;border:1px solid rgba(255,255,255,.13);border-radius:6px;padding:16px 18px}.eq-stat .lbl{font-size:10.5px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--teal)}.eq-stat .val{font-size:25px;font-weight:800;font-variant-numeric:tabular-nums;margin-top:3px}.eq-stat .val.orange{color:var(--orange)}.eq-stat .sub{font-size:11.5px;color:var(--g300);margin-top:2px}.eq-bridge{font-size:13px;color:var(--g300);margin-top:18px;font-variant-numeric:tabular-nums;line-height:1.7}.eq-bridge b{color:#fff}.tieout{font-size:12px;color:var(--fg3);margin-top:16px;display:flex;align-items:flex-start;gap:8px;line-height:1.5}.tieout .ok{color:var(--green);font-weight:800}#chart{width:100%;margin-top:12px}.chart-legend{display:flex;gap:20px;font-size:12px;color:var(--fg2);margin-top:4px;flex-wrap:wrap}.chart-legend .sw{display:inline-block;width:11px;height:11px;border-radius:3px;margin-right:6px;vertical-align:-1px}.foot{background:#fff;border-top:1px solid var(--g200)}.foot-inner{max-width:1200px;margin:0 auto;padding:28px 40px;display:flex;align-items:center;gap:18px;flex-wrap:wrap}.foot img.logo{height:30px;display:block}.foot .sf{font-size:13px;font-weight:600;color:var(--fg2);border-left:1px solid var(--g200);padding-left:18px}.foot .spacer{flex:1}.foot .fine{font-size:11.5px;color:var(--fg3);max-width:430px;line-height:1.5}.tz{min-height:100vh;display:flex;flex-direction:column;background:var(--navy);background-image:url(/brand/dots-halftone.png),url(/brand/dots-halftone.png);background-repeat:no-repeat,no-repeat;background-position:top -60px right -80px,bottom -100px left -100px;background-size:440px,380px;color:#fff}.tz-nav{display:flex;align-items:center;gap:20px;padding:22px 40px}.tz-nav img.logo{height:32px;display:block}.tz-nav .divide{width:1px;height:24px;background:#ffffff40}.tz-nav .appname{font-size:12.5px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--teal)}.tz-nav .spacer{flex:1}.tz-nav-link{color:var(--g300);font-size:13.5px;font-weight:600;text-decoration:none;transition:color .12s var(--ease)}.tz-nav-link:hover{color:#fff}.tz-progress{height:4px;background:#ffffff1f}.tz-progress-fill{height:100%;background:var(--teal);transition:width .32s var(--ease)}.tz-stage{flex:1;display:flex;align-items:center;justify-content:center;padding:48px 24px}.tz-intro,.tz-q,.tz-results{max-width:720px;width:100%;text-align:center;animation:tzin .32s var(--ease)}@keyframes tzin{0%{opacity:0;transform:translateY(12px)}to{opacity:1;transform:none}}@media(prefers-reduced-motion:reduce){.tz-intro,.tz-q,.tz-results{animation:none}}.tz-rooty{width:120px;height:auto;margin-bottom:18px;filter:drop-shadow(0 10px 20px rgba(0,0,0,.3))}.tz-eyebrow{font-size:12px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--teal);margin:0 0 12px}.tz-h1{font-size:44px;font-weight:800;letter-spacing:-.015em;line-height:1.12;margin:0 0 16px;color:#fff;text-wrap:balance}.tz-h2{font-size:32px;font-weight:800;letter-spacing:-.01em;line-height:1.18;margin:0 0 30px;color:#fff;text-wrap:balance}.tz-sub{font-size:17px;line-height:1.65;color:var(--g300);max-width:560px;margin:0 auto 28px}.tz-cta{font-size:16px;padding:16px 34px}.tz-fine{font-size:12.5px;color:var(--g400);margin-top:16px}.tz-cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:14px;margin-bottom:28px}.tz-card{background:#ffffff0f;border:1px solid rgba(255,255,255,.16);border-radius:8px;padding:22px 20px;cursor:pointer;text-align:left;color:#fff;font-family:var(--font);transition:background .14s var(--ease),border-color .14s var(--ease),transform .14s var(--ease),box-shadow .14s var(--ease)}.tz-card:hover{background:#ffffff1c;border-color:var(--teal);transform:translateY(-2px);box-shadow:0 8px 20px #00000040}.tz-card:focus-visible{outline:2px solid var(--orange);outline-offset:2px}.tz-card-label{display:block;font-size:16.5px;font-weight:700;margin-bottom:5px}.tz-card-sub{display:block;font-size:13px;color:var(--g300);line-height:1.5}.tz-chips{display:flex;gap:12px;justify-content:center;flex-wrap:wrap;margin-bottom:22px}.tz-chip{background:#ffffff0f;border:1px solid rgba(255,255,255,.16);border-radius:999px;color:#fff;font-family:var(--font);font-size:17px;font-weight:700;padding:13px 28px;cursor:pointer;transition:background .14s var(--ease),border-color .14s var(--ease),transform .14s var(--ease)}.tz-chip:hover{background:#ffffff1f;border-color:var(--teal);transform:translateY(-2px)}.tz-chip:focus-visible{outline:2px solid var(--orange);outline-offset:2px}.tz-custom{display:flex;gap:10px;justify-content:center;align-items:center;max-width:420px;margin:0 auto 26px}.tz-custom input{flex:1;background:#ffffff14;border:1px solid rgba(255,255,255,.22);border-radius:6px;color:#fff;font-family:var(--font);font-size:15px;font-weight:600;padding:12px 14px}.tz-custom input::placeholder{color:var(--g400)}.tz-custom input:focus{outline:2px solid var(--orange);outline-offset:1px}.tz-custom-suf{color:var(--g300);font-weight:700}.tz-custom .btn[disabled]{opacity:.4;cursor:default}.tz-back{background:none;border:none;color:var(--g400);font-family:var(--font);font-size:13.5px;font-weight:600;cursor:pointer;padding:6px 10px}.tz-back:hover{color:#fff}.tz-eqstrip{background:#ffffff12;border:1px solid rgba(255,255,255,.14);border-radius:8px;padding:20px 26px;margin:0 auto 30px;max-width:520px}.tz-eq-label{font-size:11px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--teal)}.tz-eq-value{font-size:40px;font-weight:800;color:var(--orange);font-variant-numeric:tabular-nums;line-height:1.15;margin:4px 0 2px}.tz-eq-sub{font-size:13px;color:var(--g300)}.tz-lockwrap{position:relative;max-width:560px;margin:0 auto 26px}.tz-blurred{filter:blur(5px);opacity:.55;pointer-events:none;-webkit-user-select:none;user-select:none}.tz-blurtab{width:100%;border-collapse:collapse;font-size:14.5px;color:#fff}.tz-blurtab td{padding:9px 10px;border-bottom:1px solid rgba(255,255,255,.15);text-align:left}.tz-blurtab td:last-child{text-align:right;font-variant-numeric:tabular-nums}.tz-lock{position:absolute;top:0;right:0;bottom:0;left:0;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:10px;padding:18px;text-align:center}.tz-lock-title{font-size:18px;font-weight:800}.tz-lock-sub{font-size:13.5px;color:var(--g300);max-width:420px;line-height:1.55;margin:0 0 6px}.tz-prospect{font-size:14px;color:var(--g300);margin-bottom:18px}.tz-prospect a{color:var(--teal);font-weight:700;text-decoration:none}.tz-prospect a:hover{color:#fff}.tz-foot{text-align:center;font-size:12px;color:var(--g400);padding:18px 24px 26px;line-height:1.6}@media(max-width:640px){.tz-h1{font-size:32px}.tz-h2{font-size:25px}.tz-nav{padding:16px 20px}}