/* FCV Utility Site Standard: shared design for howlongwillmysavingslast.com.
   Per-site choices: font style (Source Serif headlines, Inter text, 18px body) and color scheme (navy on warm off-white). */
@font-face{font-family:"Source Serif";src:url("fonts/source-serif-4-latin-wght-normal.woff2") format("woff2");font-weight:200 900;font-display:swap}
@font-face{font-family:"Inter";src:url("fonts/inter-latin-wght-normal.woff2") format("woff2");font-weight:100 900;font-display:swap}

:root{
 color-scheme:light;
 --bg:#e6dfd2;--surface:#efe9de;--surface-2:#dcd3c3;--ink:#18222f;--muted:#454d5a;--line:#c8bea9;
 --accent:#1f3a5f;--accent-fill:#1f3a5f;--accent-ink:#ffffff;--accent-soft:#d6dee8;
 --good:#2d6a3e;--good-soft:#e1f0e3;--warn:#9a3d12;--warn-soft:#fbe7dc;--line-poor:#b5651d;
 --shadow:0 1px 2px rgba(24,34,47,.06),0 10px 30px rgba(24,34,47,.08);
 --font-display:"Source Serif",Georgia,"Times New Roman",serif;
 --font-body:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]){
 color-scheme:dark;
 --bg:#0f1620;--surface:#16202c;--surface-2:#1d2938;--ink:#e8e3d8;--muted:#a9b2bf;--line:#2b394a;
 --accent:#9dbde6;--accent-fill:#9dbde6;--accent-ink:#0f1620;--accent-soft:#1d2d42;
 --good:#8fd19b;--good-soft:#1c3324;--warn:#f0a77a;--warn-soft:#3a2418;--line-poor:#e0a35c;
 --shadow:0 1px 2px rgba(0,0,0,.3),0 10px 30px rgba(0,0,0,.25);
}}
:root[data-theme="dark"]{
 color-scheme:dark;
 --bg:#0f1620;--surface:#16202c;--surface-2:#1d2938;--ink:#e8e3d8;--muted:#a9b2bf;--line:#2b394a;
 --accent:#9dbde6;--accent-fill:#9dbde6;--accent-ink:#0f1620;--accent-soft:#1d2d42;
 --good:#8fd19b;--good-soft:#1c3324;--warn:#f0a77a;--warn-soft:#3a2418;--line-poor:#e0a35c;
 --shadow:0 1px 2px rgba(0,0,0,.3),0 10px 30px rgba(0,0,0,.25);
}

*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font:18px/1.6 var(--font-body)}
img{max-width:100%}
a{color:var(--accent);text-underline-offset:3px}
h1,h2,h3{font-family:var(--font-display);font-weight:650;line-height:1.15;letter-spacing:-.01em;margin:0 0 .5em}
h1{font-size:clamp(2.1rem,6vw,3.3rem)}
h2{font-size:clamp(1.5rem,3.6vw,2rem)}
h3{font-size:1.2rem}
p{margin:0 0 1em}
.muted{color:var(--muted)}
.small{font-size:.875rem}
.wrap{max-width:1080px;margin:0 auto;padding:0 16px}
.narrow{max-width:760px}
:focus-visible{outline:3px solid var(--accent);outline-offset:3px;border-radius:4px}
.skip{position:absolute;left:-999px}.skip:focus{left:16px;top:8px;background:var(--surface);padding:8px 12px;z-index:10}
[hidden]{display:none!important}

/* Top bar */
.topbar{border-bottom:1px solid var(--line);background:var(--surface)}
.topbar .wrap{display:flex;align-items:center;gap:12px;min-height:64px}
.brand{display:flex;align-items:center;gap:10px;color:var(--ink);text-decoration:none;font-weight:650;margin-right:auto;min-width:0;font-size:1rem}
.brand-mark{display:inline-flex;width:34px;height:34px;flex:0 0 34px;border-radius:50%;background:#fff;align-items:center;justify-content:center;box-shadow:0 0 0 1px var(--line)}
.brand-mark img{width:30px;height:30px}
.brand span{white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.topnav{display:flex;gap:18px;font-size:.92rem}
.topnav a{color:var(--muted);text-decoration:none}.topnav a:hover{color:var(--ink)}
.theme-toggle{display:inline-flex;align-items:center;justify-content:center;width:44px;height:44px;border-radius:50%;border:1px solid var(--line);background:var(--surface-2);color:var(--ink);cursor:pointer;padding:0;flex:0 0 44px}
.theme-toggle svg{width:18px;height:18px}
.theme-toggle .moon{display:none}
:root[data-theme="dark"] .theme-toggle .sun{display:none}:root[data-theme="dark"] .theme-toggle .moon{display:inline}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]) .theme-toggle .sun{display:none}:root:not([data-theme="light"]) .theme-toggle .moon{display:inline}}
@media (max-width:700px){.topnav{display:none}}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:48px;padding:12px 22px;border-radius:999px;border:1px solid transparent;font:600 1rem/1 var(--font-body);cursor:pointer;text-decoration:none}
.btn-primary{background:var(--accent-fill);color:var(--accent-ink)}
.btn-ghost{background:transparent;color:var(--ink);border-color:var(--line)}
.btn-ghost:hover{border-color:var(--ink)}
.btn svg{width:16px;height:16px}
.share-status{font-size:.9rem;color:var(--muted)}
.link-button{background:none;border:0;padding:0;color:var(--accent);font:inherit;text-decoration:underline;text-underline-offset:3px;cursor:pointer;min-height:24px}
.eyebrow{display:inline-block;font-size:.8rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--accent);margin-bottom:12px}
.lead{font-size:1.22rem;color:var(--muted);max-width:640px}

/* Hero and calculator */
.hero{padding:44px 0 56px}
.hero h1{font-size:clamp(2.3rem,5.6vw,3.9rem);line-height:1.04;letter-spacing:-.02em;margin-bottom:14px;max-width:820px}
.hero h1 em{font-style:italic;color:var(--accent);font-weight:600}
.hero .lead{margin-bottom:30px}
@media (max-width:760px){.hero{padding:26px 0 36px}}
.calc{background:var(--surface);border:1px solid var(--line);border-radius:22px;padding:26px;box-shadow:var(--shadow);position:relative}
.calc::before{content:"";position:absolute;left:26px;right:26px;top:0;height:4px;border-radius:0 0 4px 4px;background:var(--accent-fill)}
.fields{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:20px 16px}
.field{min-width:0}
.field.wide{grid-column:span 2}
@media (max-width:860px){.fields{grid-template-columns:1fr 1fr}}
@media (max-width:480px){.fields{grid-template-columns:1fr}.field.wide{grid-column:auto}}
.field label{display:block;font-size:.92rem;font-weight:600;margin-bottom:6px}
.hint{display:block;font-size:.82rem;color:var(--muted);margin-top:6px;line-height:1.4}
.calc input[type="text"],.calc select{width:100%;min-height:52px;padding:10px 14px;border:1px solid var(--line);border-radius:12px;background:var(--bg);color:var(--ink);font:600 1.1rem var(--font-body);font-variant-numeric:tabular-nums}
.calc select{appearance:none;font-size:1rem;background-image:linear-gradient(45deg,transparent 50%,var(--muted) 50%),linear-gradient(135deg,var(--muted) 50%,transparent 50%);background-position:calc(100% - 20px) 23px,calc(100% - 15px) 23px;background-size:5px 5px;background-repeat:no-repeat;padding-right:36px}
.calc input:focus,.calc select:focus{outline:3px solid var(--accent);outline-offset:1px;border-color:transparent}
.input-wrap{position:relative;display:flex;align-items:center}
.input-wrap .prefix,.input-wrap .suffix{position:absolute;color:var(--muted);font-size:1rem;pointer-events:none}
.input-wrap .prefix{left:14px}.input-wrap .suffix{right:14px}
.input-wrap .prefix+input{padding-left:30px}
.input-wrap input.has-suffix{padding-right:44px}
.calc-foot{display:flex;flex-wrap:wrap;gap:6px 18px;align-items:baseline;margin-top:18px;font-size:.88rem;color:var(--muted)}

/* Result */
.result{background:var(--surface);border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:52px 0}
.status{display:inline-flex;align-items:center;gap:8px;font-size:.8rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--good);margin:0}
.status.warn{color:var(--warn)}
.status::before{content:"";width:9px;height:9px;border-radius:50%;background:currentColor}
.answer{font:600 clamp(1.8rem,4.6vw,3rem)/1.15 var(--font-display);letter-spacing:-.015em;margin:12px 0 10px;max-width:900px}
.answer em{font-style:normal;color:var(--accent)}
.answer-sub{font-size:1.1rem;color:var(--muted);max-width:760px;margin:0 0 36px}
.figures{display:grid;grid-template-columns:repeat(3,1fr);margin:0 0 40px;border-top:1px solid var(--line)}
.figures div{padding:20px 24px 0 0}
.figures div+div{padding-left:24px;border-left:1px solid var(--line)}
.figures dt{font-size:.92rem;color:var(--muted);font-weight:500}
.figures dd{margin:6px 0 0;font:650 clamp(1.7rem,3.8vw,2.5rem)/1.1 var(--font-display);font-variant-numeric:tabular-nums}
.figures dd.note{font:400 .88rem/1.45 var(--font-body);color:var(--muted);margin-top:8px}
@media (max-width:700px){.figures{grid-template-columns:1fr}.figures div,.figures div+div{padding:16px 0;border-left:0;border-bottom:1px solid var(--line)}}
.chart-head{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:baseline;gap:6px 20px;margin-bottom:10px}
.chart-head h2{font-size:1.3rem;margin:0}
.legend{display:flex;flex-wrap:wrap;gap:4px 18px;font-size:.88rem;color:var(--muted);margin:0;padding:0;list-style:none}
.legend li{display:flex;align-items:center;gap:8px}
.legend i{display:inline-block;width:22px;height:0;border-top:3px solid var(--accent)}
.legend i.poor{border-top:3px dashed var(--line-poor)}
.chart{width:100%;height:auto;display:block;margin-bottom:40px;overflow:visible}
.chart .grid{stroke:var(--line);stroke-width:1}
.chart .axis{fill:var(--muted);font:13px var(--font-body)}
.chart .typical{fill:none;stroke:var(--accent);stroke-width:3.5;stroke-linejoin:round}
.chart .area{fill:var(--accent);opacity:.08}
.chart .poor{fill:none;stroke:var(--line-poor);stroke-width:2.5;stroke-dasharray:7 6}
.chart .marker{stroke:var(--muted);stroke-width:1.5;stroke-dasharray:3 4}
.chart .marker-label{fill:var(--ink);font:600 13px var(--font-body)}
.chart .end-dot{fill:var(--warn)}
.chart .end-label{fill:var(--warn);font:700 14px var(--font-body)}
.levers h2{font-size:1.3rem;margin:0 0 4px}
.levers>p{color:var(--muted);margin:0 0 16px;font-size:.95rem}
.lever-list{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.lever-list li{background:var(--bg);border:1px solid var(--line);border-radius:16px;padding:18px}
.lever-list span{display:block;font-size:.95rem;color:var(--muted);margin-bottom:6px}
.lever-list strong{font:650 1.35rem/1.2 var(--font-display)}
.lever-list small{display:block;color:var(--good);font-weight:600;margin-top:4px;font-size:.88rem}
@media (max-width:860px){.lever-list{grid-template-columns:1fr}}
.result-actions{display:flex;flex-wrap:wrap;gap:8px 24px;align-items:baseline;margin-top:34px;font-size:.92rem}
.disclaimer{font-size:.88rem;color:var(--muted);margin:0}

/* Supporting sections */
.band{padding:60px 0}
.steps{list-style:none;counter-reset:step;padding:0;margin:26px 0 0;display:grid;grid-template-columns:repeat(3,1fr);gap:40px}
.steps li{counter-increment:step;color:var(--muted)}
.steps li::before{content:counter(step);display:block;font:500 3rem/1 var(--font-display);color:var(--accent);margin-bottom:12px}
.steps strong{display:block;color:var(--ink);font-size:1.08rem;margin-bottom:4px}
@media (max-width:820px){.steps{grid-template-columns:1fr;gap:24px}.steps li{display:grid;grid-template-columns:48px 1fr}.steps li::before{grid-row:span 2;font-size:2.2rem}}
.faq{padding-top:0}
.faq details{border-top:1px solid var(--line)}
.faq details:last-child{border-bottom:1px solid var(--line)}
.faq summary{cursor:pointer;font-weight:600;font-size:1.08rem;padding:18px 0;list-style:none;display:flex;justify-content:space-between;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--accent);font-size:1.4rem;line-height:1}
.faq details[open] summary::after{content:"–"}
.faq details p{color:var(--muted);padding-right:32px}
.share-line{padding:36px 0;background:var(--accent-fill);color:var(--accent-ink)}
.share-line .wrap{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:16px}
.share-line p{margin:0;font:500 clamp(1.2rem,2.6vw,1.55rem)/1.3 var(--font-display);max-width:640px}
.share-line .btn-ghost{color:var(--accent-ink);border-color:color-mix(in srgb,var(--accent-ink) 45%,transparent)}
.share-line .share-status{color:color-mix(in srgb,var(--accent-ink) 80%,transparent)}
.learn{display:grid;grid-template-columns:1fr 1.4fr;gap:56px}
@media (max-width:820px){.learn{grid-template-columns:1fr;gap:28px}}
.link-list{list-style:none;padding:0;margin:16px 0 0;border-top:1px solid var(--line)}
.link-list a{display:flex;flex-direction:column;padding:15px 30px 15px 0;border-bottom:1px solid var(--line);text-decoration:none;color:var(--ink);font-weight:600;position:relative}
.link-list a::after{content:"→";position:absolute;right:4px;top:15px;color:var(--accent);transition:transform .15s}
.link-list a:hover::after{transform:translateX(4px)}
.link-list small{font-weight:400;color:var(--muted);font-size:.9rem}

/* Articles and simple pages */
.article{padding:40px 0 56px}
.article h2{margin-top:1.6em;font-size:1.55rem}
.article li{margin-bottom:.4em}
.article .callout,.band .callout,.result .callout{background:var(--surface);border:1px solid var(--line);border-left:4px solid var(--accent-fill);border-radius:12px;padding:16px 18px;margin:1.4em 0}
.table-wrap{overflow-x:auto;margin:1em 0}
.article table,.result table{width:100%;border-collapse:collapse;font-size:.95rem;font-variant-numeric:tabular-nums}
.article th,.article td,.result th,.result td{text-align:left;padding:10px;border-bottom:1px solid var(--line)}
.article th,.result thead th{font-size:.85rem;color:var(--muted);font-weight:600}
.crumbs{font-size:.9rem;margin-bottom:18px}
.mini-calc{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;align-items:end;margin:1.2em 0}
@media (max-width:520px){.mini-calc{grid-template-columns:1fr}}
.mini-calc output{display:block;font:650 1.4rem/1.3 var(--font-display)}
.cta{margin:2em 0}

/* Footer */
.footer{border-top:1px solid var(--line);padding:28px 0 40px;font-size:.9rem;color:var(--muted)}
.footer nav{display:flex;flex-wrap:wrap;gap:8px 18px;margin-bottom:12px}
.footer nav a{color:var(--ink);text-decoration:none}
.footer nav a:hover{text-decoration:underline}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}

/* Print: inputs, answer, chart and disclaimer only */
@media print{
 :root{color-scheme:light;--bg:#fff;--surface:#fff;--ink:#000;--muted:#333;--line:#bbb;--accent:#1f3a5f;--line-poor:#b5651d}
 *{-webkit-print-color-adjust:exact;print-color-adjust:exact}
 body{font-size:11pt}
 .topbar nav,.theme-toggle,.no-print,#how,#faq,#share,#learn,.footer nav{display:none!important}
 .hero{padding:8px 0}.hero h1{font-size:22pt}.hero .lead{display:none}
 .calc{box-shadow:none}.result{padding:12px 0;border:0}
}

/* Not-financial-advice notices */
.calc-note{margin:22px 0 0;padding:12px 16px;border-radius:12px;background:var(--accent-soft);font-size:.92rem;line-height:1.5}
.advice-note{background:var(--surface-2);border-top:1px solid var(--line);padding:18px 0;font-size:.92rem;line-height:1.5}
@media print{.advice-note{display:block!important;background:#fff}}
.chart .paid-dot{fill:var(--good)}
.chart .paid-label{fill:var(--good);font:700 14px var(--font-body);stroke:var(--surface);stroke-width:5px;stroke-linejoin:round;paint-order:stroke}
.result tr.row-key th,.result tr.row-key td{background:var(--accent-soft)}
.result tr.row-key small,.result th small{display:block;font-weight:500;color:var(--muted);font-size:.8rem}
@media (max-width:600px){.result .hide-narrow{display:none}}