:root{--green:#143C2D;--orange:#DA8134;--paper:#f7f8f5;--white:#fff;--ink:#15392d;--muted:#53665c;--line:#d9e1da;--gold:#e5cd87;--soft:#edf2eb;--warn:#fff3e4;--danger:#9d3025}*{box-sizing:border-box}body{margin:0;background:var(--paper);color:var(--ink);font-family:-apple-system,BlinkMacSystemFont,"PingFang TC","Microsoft JhengHei",sans-serif;font-size:20px;line-height:1.65}button,input,select,textarea{font:inherit}button,a,input,select,textarea{touch-action:manipulation}button,a{ -webkit-tap-highlight-color:transparent}button{cursor:pointer}a{color:var(--green);text-underline-offset:5px}a:hover{text-decoration-thickness:2px}button:focus-visible,a:focus-visible,summary:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,[tabindex]:focus-visible{outline:3px solid var(--orange);outline-offset:4px}[hidden]{display:none!important}.masthead{max-width:1480px;margin:auto;padding:26px 52px;display:flex;align-items:center;gap:30px;border-bottom:1px solid var(--line)}.brand{display:flex;align-items:center;gap:20px;font-size:34px;letter-spacing:2px;font-weight:850;text-decoration:none}.brand span{font-size:20px;font-weight:600;letter-spacing:0;border-left:1px solid #b6c4b9;padding-left:20px}.header-note{margin-left:auto;font-size:18px;color:var(--muted)}.legacy-link{font-size:18px}main{max-width:1376px;margin:0 auto;padding:0 40px 80px}.intro{padding:52px 0 40px;display:flex;justify-content:space-between;align-items:center;gap:30px}.eyebrow{font-size:15px;letter-spacing:2px;font-weight:750;margin:0 0 14px;color:#647363}h1,h2,h3,p{margin-top:0}h1{font-size:clamp(38px,4vw,58px);letter-spacing:-1.6px;line-height:1.3;margin-bottom:18px}h1 span{color:#677a69}.intro-copy{font-size:22px;margin-bottom:0;color:var(--muted)}.intro-aside{border-left:1px solid #cad3c8;padding-left:34px;min-width:180px}.small-label{font-size:16px;letter-spacing:2px;color:var(--muted)}.intro-aside p{font-size:23px;margin:8px 0}.gold-line{display:block;width:65px;height:3px;background:linear-gradient(90deg,#be9b48,#f7edce,#c6a65a);box-shadow:0 0 10px #e5cd8766}.steps{display:grid;grid-template-columns:repeat(3,1fr);border:1px solid var(--line);border-radius:16px;overflow:hidden;background:white;margin-bottom:44px}.steps button{display:flex;text-align:left;align-items:center;gap:18px;border:0;border-right:1px solid var(--line);padding:22px 26px;background:transparent;color:var(--muted);font-size:22px;font-weight:650}.steps button:last-child{border-right:0}.steps button[aria-current]{background:var(--green);color:white}.steps small{display:block;font-size:16px;font-weight:400;opacity:.85}.step-num{font-size:29px;font-weight:400;color:#849487}.steps button[aria-current] .step-num{color:var(--gold)}.section-heading{display:flex;justify-content:space-between;gap:24px;align-items:center;margin-bottom:26px}h2{font-size:30px;line-height:1.45;margin:0}h3{font-size:25px;line-height:1.5;margin-bottom:20px}.text-button{background:none;border:0;color:var(--green);font-size:19px;min-height:48px;padding:8px 0;text-decoration:underline;text-underline-offset:6px;white-space:nowrap}.workspace-grid{display:grid;grid-template-columns:1.1fr 1fr;gap:32px;align-items:start}.input-panel{background:white;border:1px solid var(--line);border-radius:18px;padding:32px}label{display:block;font-weight:650;margin-bottom:10px}input:not([type=range]),select,textarea{width:100%;min-height:58px;background:#fff;border:1px solid #aab9ad;border-radius:8px;padding:11px 15px;color:var(--ink);font-size:22px}select{padding-right:30px}textarea{font-size:20px;resize:vertical}.field-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}.field-note{font-size:18px;color:var(--muted);line-height:1.65;margin:12px 0 24px}.source-note{font-size:18px;border-left:3px solid var(--orange);padding-left:14px;color:#744416;margin:16px 0 26px}.spaced{margin-top:25px}.unit-field{display:flex;align-items:center;position:relative}.unit-field input{padding-right:70px}.unit-field>span{position:absolute;right:16px;color:var(--muted);font-size:18px;pointer-events:none}.range-row{display:flex;align-items:center;gap:20px}input[type=range]{accent-color:var(--orange);min-width:0;width:100%;height:46px;cursor:pointer}.rate-field{flex:0 0 126px}.rate-field input{padding-right:35px}.button{min-height:58px;border-radius:9px;padding:14px 22px;border:1px solid var(--green);font-size:20px;font-weight:650;display:inline-flex;align-items:center;justify-content:center;gap:18px}.primary{background:var(--green);color:white}.primary:hover{background:#20543f}.secondary{background:white;color:var(--green)}.secondary:hover{background:var(--soft)}.full{width:100%;justify-content:space-between}.button-row{display:flex;gap:15px;justify-content:space-between;margin-top:32px}.medical-summary{position:sticky;top:25px;border-radius:18px;overflow:hidden;border:1px solid var(--line)}.summary-dark{background:var(--green);color:white;padding:34px}.pill{display:inline-block;border:1px solid currentColor;border-radius:30px;padding:4px 13px;font-size:16px;opacity:.9}.summary-dark .pill{color:var(--gold)}.summary-dark>p{font-size:18px;color:#d3dfd5;margin:20px 0}.metric-label{display:block;font-size:21px;margin:24px 0 6px}.hero-value{font-size:clamp(34px,3.6vw,52px);font-weight:650;letter-spacing:-1px;line-height:1.3;display:block;font-variant-numeric:tabular-nums;overflow-wrap:anywhere}.summary-divider{height:1px;background:#ffffff38;margin:30px 0}.summary-pair{display:flex;justify-content:space-between;align-items:center;gap:12px;font-size:18px}.summary-pair small{color:#ccd7ce;font-size:16px}.summary-pair strong{font-size:25px;white-space:nowrap}.summary-light{background:#edf1e9;padding:30px 34px}.summary-light>div{display:flex;justify-content:space-between;gap:15px;padding:9px 0}.summary-light strong{font-size:23px}.summary-light .field-note{margin-bottom:0}.method{border-top:1px solid var(--line);margin:30px 0 0;padding:20px 0}.method summary{font-weight:650;cursor:pointer;min-height:48px;padding:8px 0}.method p{font-size:19px;color:var(--muted);margin:18px 0}.method a{font-size:18px}.estimate-notice{border:1px solid #ebc99b;background:var(--warn);border-radius:12px;padding:20px 24px;margin-bottom:28px;color:#6a421d}.estimate-notice p{font-size:18px;margin:8px 0 0}.plan-summary{padding:28px 20px 20px}.funding-timeline{list-style:none;margin:0;padding:0 0 0 27px;border-left:2px solid #c5d0c4}.funding-timeline li{position:relative;padding-bottom:24px}.funding-timeline li:before{content:'';width:14px;height:14px;border-radius:50%;background:var(--orange);position:absolute;left:-35px;top:11px;border:3px solid var(--paper)}.funding-timeline li>span{display:block;color:var(--muted);font-size:18px}.funding-timeline strong{font-size:23px}.funding-timeline p{font-size:19px;color:var(--muted);margin:10px 0}.result-grid{display:grid;grid-template-columns:1fr 1fr;gap:25px}.result-card{padding:30px;border:1px solid var(--line);border-radius:16px;background:white}.result-card h3{margin:22px 0 12px;font-size:22px}.result-value{font-size:clamp(32px,3.2vw,46px);font-weight:650;line-height:1.4;letter-spacing:-1px;overflow-wrap:anywhere}.result-card>p{font-size:18px;color:var(--muted);margin:12px 0 24px}.cost-card{border-top:4px solid var(--orange)}.cash-card{border-top:4px solid var(--green)}dl{margin:0}dl>div{display:flex;justify-content:space-between;gap:20px;padding:12px 0;border-top:1px solid var(--line);font-size:18px}dd{margin:0;font-weight:650;white-space:nowrap}.gap-status{padding:18px 22px;border-left:4px solid var(--green);background:#eaf1e7;margin:24px 0;font-size:20px}.gap-status.has-gap{border-color:var(--danger);background:#fff0ec;color:var(--danger)}.balance-panel{background:var(--green);color:white;padding:36px;border-radius:16px;display:grid;grid-template-columns:1fr 1fr;gap:35px}.balance-panel .eyebrow{color:var(--gold)}.balance-panel h3{margin:10px 0}.balance-panel p{font-size:18px;color:#d3dfd5;margin:16px 0 0}.balance-panel dl{align-self:center}.balance-panel dl>div{border-color:#ffffff30;display:block;padding:16px 0}.balance-panel dd{font-size:25px;margin-top:7px}.balance-panel dt{font-size:18px;color:#d3dfd5}.chart-panel{padding:32px 0 10px;margin-top:20px}.chart-panel h3{margin-bottom:5px}.chart-panel .field-note{margin-bottom:0}.legend{display:flex;gap:18px;flex-wrap:wrap;font-size:16px}.legend span:before{content:'';display:inline-block;width:20px;height:4px;background:var(--green);margin-right:8px;vertical-align:middle}.legend .legend-cost:before{background:var(--orange)}#projectionChart{width:100%;display:block;overflow:visible}.table-scroll{overflow-x:auto;max-width:100%}table{border-collapse:collapse;width:100%;font-size:18px;font-variant-numeric:tabular-nums}caption{font-size:17px;text-align:left;padding:12px 0;color:var(--muted)}th,td{text-align:right;padding:14px 16px;border-bottom:1px solid var(--line);white-space:nowrap}th:first-child,td:first-child{text-align:left}th{background:var(--soft);font-weight:650}.result-actions{display:flex;gap:16px;flex-wrap:wrap;margin:26px 0}footer{border-top:1px solid var(--line);margin-top:40px;padding-top:28px;font-size:17px;color:var(--muted)}footer p{margin-bottom:8px}footer a{font-size:16px}#versionBadge{position:fixed;bottom:12px;left:14px;font-size:16px;line-height:1.5;padding:7px 12px;color:var(--green);background:#fffffff5;border:1px solid #c2ccbf;border-radius:7px;box-shadow:0 3px 12px #143c2d0d;z-index:10}.error-banner{background:#fff0ec;color:var(--danger);border:1px solid #d9a69c;padding:18px 22px;border-radius:10px;margin-bottom:24px}.skip-link{position:fixed;top:10px;visibility:hidden;background:#fff;padding:10px;z-index:100}.skip-link:focus{visibility:visible}@media(max-width:1000px){.header-note{display:none}.legacy-link{margin-left:auto}.masthead{padding:22px 30px}.workspace-grid{gap:22px;grid-template-columns:1fr 1fr}.input-panel{padding:24px}.summary-dark,.summary-light{padding:26px}.summary-pair{display:block}.summary-pair strong{display:block;margin-top:8px}.summary-light>div{display:block}.summary-light strong{display:block}.balance-panel{gap:25px}.steps button{padding:18px}.intro-aside{display:none}}@media(max-width:700px){body{font-size:20px}.masthead{padding:18px 20px}.brand{font-size:29px;gap:10px}.brand span{font-size:16px;padding-left:10px}.legacy-link{font-size:16px}main{padding:0 20px 90px}.intro{padding:32px 0}.intro h1{font-size:38px}.intro h1 span{display:block}.intro-copy{font-size:20px}.eyebrow{font-size:13px;letter-spacing:1.4px}.steps{margin-bottom:28px;border-radius:12px}.steps button{display:block;padding:13px 6px;text-align:center;font-size:18px}.steps 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dl>div{display:flex;justify-content:space-between;align-items:center}.balance-panel dd{font-size:23px}.legend{margin-top:16px}.chart-panel{padding-top:18px}#projectionChart{min-height:170px}.result-actions{display:grid;grid-template-columns:1fr}.result-actions .button{width:100%}#versionBadge{font-size:14px;left:10px;bottom:10px}.range-row{gap:12px}.rate-field{flex-basis:115px}}@media(prefers-reduced-motion:no-preference){button{transition:background .15s ease}}@media print{body{background:white;color:#143c2d;font-size:14px}main{padding:0;max-width:none}.masthead{padding:0 0 12px}.intro,.steps,.legacy-link,#step1,#step2,.result-actions,.text-button,footer,.skip-link{display:none!important}#step3[hidden]{display:block!important}.section-heading{margin:12px 0}h2{font-size:25px}.estimate-notice{padding:12px;margin:12px 0}.estimate-notice p,.field-note{font-size:13px}.result-grid{grid-template-columns:1fr 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/* 1.1.0: reduce cognitive load, avoid currency clipping on narrow viewports. */
.currency{display:block;font-size:18px;line-height:1.5;letter-spacing:0}.hero-value,.result-value{overflow-wrap:normal;word-break:normal}.advanced-settings{border:1px solid var(--line);padding:15px;border-radius:9px;margin:24px 0}.advanced-settings summary{cursor:pointer;font-size:19px;font-weight:650;min-height:48px}.advanced-settings label{margin-top:20px}.acknowledgement{display:flex;align-items:flex-start;gap:12px;font-size:18px;line-height:1.6;margin:25px 0}.acknowledgement input[type=checkbox]{appearance:auto;width:26px;min-width:26px;min-height:26px;height:26px;margin:4px 0;padding:0;accent-color:var(--green)}.decision-limit{border-left:4px solid var(--orange);padding:14px 18px;background:#fff3e4;font-size:22px;font-weight:650}.intro{padding-top:28px;padding-bottom:26px}.intro h1{font-size:40px}.intro-aside{display:none}
@media(max-width:700px){.intro{padding:22px 0}.intro h1{font-size:28px;margin-bottom:10px;letter-spacing:0}.intro h1 span{display:inline}.intro-copy{font-size:18px}.steps button{font-size:17px}.masthead{gap:12px;padding:16px}.brand{font-size:27px}.brand span{font-size:16px}.legacy-link{white-space:nowrap}.section-heading h2{font-size:25px}.summary-pair,.summary-light>div{display:block}.summary-light strong,.summary-pair strong{display:block;margin:6px 0 10px}.hero-value,.result-value{font-size:32px;letter-spacing:-.6px}.balance-panel dd{white-space:normal}.balance-panel .hero-value{font-size:32px}.summary-dark,.summary-light{padding:24px 18px}.input-panel{padding:22px 16px}.result-card,.balance-panel{padding:24px 18px}.brand span{max-width:100px}.intro .eyebrow{display:none}}
@media(max-width:440px){.field-grid{grid-template-columns:1fr}.range-row{flex-wrap:wrap}.range-row>input[type=range]{flex:1 1 100%}.rate-field{flex:1 1 100%}.button-row{display:grid;grid-template-columns:1fr}.button-row button{width:100%}.hero-value,.result-value,.balance-panel .hero-value{font-size:30px}.steps button{font-size:16px;padding:13px 4px}.brand span{font-size:15px}.legacy-link{font-size:15px}.intro-copy{line-height:1.5}}