.col-page{--col-navy:var(--navy-blue,#0d1b2a);--col-gold:var(--bright-golden,#beaa66);--col-line:#e6e8ec;--col-muted:#5b6472}.col-hero{background:var(--col-navy);text-align:center;padding:64px 20px 56px}.col-eyebrow{color:var(--col-gold);letter-spacing:.18em;margin:0 0 14px;font-size:12px;font-weight:700}.col-h1{color:#fff;margin:0 0 1.25rem;font-size:clamp(1.8rem,4vw,2.8rem);font-weight:800;line-height:1.15}.col-lede{color:#ffffffb3;max-width:700px;margin:0 auto;font-size:1rem;line-height:1.6}.col-tool{max-width:900px;margin:-28px auto 0;padding:0 20px 8px;position:relative}.col-controls{border:1px solid var(--col-line);background:#fff;border-radius:14px;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:18px;padding:20px;display:grid;box-shadow:0 16px 40px #0a25401a}.col-control{flex-direction:column;gap:8px;display:flex}.col-label{color:var(--col-muted);letter-spacing:.04em;text-transform:uppercase;font-size:12.5px;font-weight:700}.col-select{appearance:none;border:1px solid var(--col-line);font:inherit;color:var(--col-navy);cursor:pointer;background:#fff;border-radius:10px;padding:11px 12px;font-size:15px}.col-select:focus-visible,.col-toggle-btn:focus-visible,.col-range:focus-visible{outline:2px solid var(--col-gold);outline-offset:2px}.col-toggle{border:1px solid var(--col-line);border-radius:10px;display:flex;overflow:hidden}.col-toggle-btn{font:inherit;color:var(--col-muted);cursor:pointer;background:#fff;border:0;flex:1;padding:11px 8px;font-size:13.5px;font-weight:600;transition:background .15s,color .15s}.col-toggle-btn+.col-toggle-btn{border-left:1px solid var(--col-line)}.col-toggle-btn:hover{background:#f6f7f9}.col-toggle-btn.is-active{background:var(--col-navy);color:#fff}.col-result{border:1px solid var(--col-line);background:#fff;border-radius:14px;margin-top:18px;padding:22px}.col-total{text-align:center;border-bottom:1px solid var(--col-line);margin-bottom:18px;padding-bottom:18px}.col-total-label{letter-spacing:.04em;text-transform:uppercase;color:var(--col-muted);font-size:12.5px;font-weight:700;display:block}.col-total-value{color:var(--col-navy);margin:4px 0 6px;font-family:Montserrat,Montserrat Fallback,Helvetica Neue,Arial,sans-serif;font-size:clamp(2.4rem,6vw,3.4rem);font-weight:800;line-height:1.1;display:block}.col-total-sub{color:var(--col-muted);font-size:13px}.col-lines{gap:16px;margin:0;padding:0;list-style:none;display:grid}.col-line-head{justify-content:space-between;align-items:baseline;gap:12px;margin-bottom:6px;display:flex}.col-line-label{color:var(--col-navy);font-size:14.5px;font-weight:600}.col-line-value{color:var(--col-navy);font-variant-numeric:tabular-nums;font-size:14.5px;font-weight:700}.col-bar-track{background:#eef0f3;border-radius:99px;height:8px;overflow:hidden}.col-bar-fill{background:var(--col-gold);border-radius:99px;height:100%;transition:width .25s}.col-line-note{color:var(--col-muted);margin-top:5px;font-size:12px;display:block}.col-year{border:1px solid var(--col-line);background:#fff;border-radius:14px;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:18px;margin-top:18px;padding:20px 22px;display:flex}.col-year-control{flex-direction:column;flex:260px;gap:8px;display:flex}.col-range{width:100%;accent-color:var(--col-gold);cursor:pointer}.col-months-value{color:var(--col-muted);font-size:13px;font-weight:600}.col-year-total{text-align:right}.col-year-label{letter-spacing:.04em;text-transform:uppercase;color:var(--col-muted);font-size:12.5px;font-weight:700;display:block}.col-year-value{color:var(--col-navy);font-variant-numeric:tabular-nums;font-family:Montserrat,Montserrat Fallback,Helvetica Neue,Arial,sans-serif;font-size:1.9rem;font-weight:800}.col-disclaimer{color:var(--col-muted);margin:16px 2px 0;font-size:12.5px;line-height:1.6}.col-next{max-width:900px;margin:44px auto 64px;padding:0 20px}.col-next-h2{color:var(--col-navy);text-align:center;margin:0 0 16px;font-size:1.4rem;font-weight:800}.col-next-links{grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:14px;display:grid}.col-next-card{border:1px solid var(--col-line);border-left:3px solid var(--col-gold);background:#fff;border-radius:12px;padding:16px 18px;text-decoration:none;transition:transform .15s,box-shadow .15s;display:block}.col-next-card:hover{transform:translateY(-2px);box-shadow:0 10px 26px #0a25401f}.col-next-title{color:var(--col-navy);font-size:15px;font-weight:700;display:block}.col-next-sub{color:var(--col-muted);margin-top:4px;font-size:13px;display:block}@media (max-width:640px){.col-hero{padding:48px 18px 44px}.col-year{flex-direction:column;align-items:stretch}.col-year-total{text-align:left}}@media (prefers-reduced-motion:reduce){.col-bar-fill,.col-next-card{transition:none}.col-next-card:hover{transform:none}}