:root{--color-brand:#0f6e5c;--color-brand-dark:#0a4b3f;--color-brand-light:#14a085;--color-gold:#d4af37;--color-surface:#f7f9f8;--color-surface-elevated:#fff;--color-ink:#0c1a17;--color-ink-muted:#52605d;--radius-card:20px;--shadow-card:0 8px 30px #0f6e5c14;--shadow-card-hover:0 16px 40px #0f6e5c24;--max-width:1120px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{background:var(--color-surface);color:var(--color-ink);-webkit-font-smoothing:antialiased;margin:0;font-family:Inter,system-ui,-apple-system,sans-serif;line-height:1.5}img{max-width:100%;display:block}a{color:inherit}.container{max-width:var(--max-width);margin:0 auto;padding:0 24px}.nav{z-index:50;-webkit-backdrop-filter:saturate(180%)blur(12px);backdrop-filter:saturate(180%)blur(12px);background:#f7f9f8d9;border-bottom:1px solid #0f6e5c14;position:sticky;top:0}.nav-inner{max-width:var(--max-width);justify-content:space-between;align-items:center;margin:0 auto;padding:16px 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#0000000a}.allocation-legend{grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:10px;display:grid}.legend-row{align-items:center;gap:10px;font-size:.88rem;display:flex}.legend-swatch{border-radius:3px;flex-shrink:0;width:12px;height:12px}.option-grid{grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px;display:grid}.option-card{background:var(--color-surface-elevated);border-radius:var(--radius-card);box-shadow:var(--shadow-card);flex-direction:column;gap:10px;padding:26px;transition:transform .2s,box-shadow .2s;display:flex}.option-card:hover{box-shadow:var(--shadow-card-hover);transform:translateY(-4px)}.option-icon{font-size:1.7rem}.option-card h3{margin:0;font-size:1.05rem}.option-card p{color:var(--color-ink-muted);flex-grow:1;margin:0;font-size:.88rem}.option-link{color:var(--color-brand);font-size:.86rem;font-weight:700;text-decoration:none}.option-link:hover{text-decoration:underline}.report-mock{background:var(--color-surface-elevated);border-radius:var(--radius-card);box-shadow:var(--shadow-card);max-width:480px;padding:28px}.report-mock .badge{letter-spacing:.05em;color:#8a6d1f;background:#d4af3726;border-radius:999px;margin-bottom:14px;padding:4px 10px;font-size:.68rem;font-weight:700;display:inline-block}.report-row{border-bottom:1px solid #0000000d;justify-content:space-between;padding:8px 0;font-size:.9rem;display:flex}.report-row:last-child{border-bottom:none}.report-row 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(prefers-reduced-motion:reduce){.reveal{opacity:1;transition:none;transform:none}html{scroll-behavior:auto}}.mf-edu-controls{flex-direction:column;gap:12px;max-width:780px;margin:32px auto 0;display:flex}.mf-edu-search{width:100%;font:inherit;background:var(--color-surface-elevated);color:var(--color-ink);border:1px solid #0000001a;border-radius:12px;padding:12px 16px;font-size:.9rem}.mf-edu-categories{flex-wrap:wrap;gap:8px;display:flex}.mf-edu-category-chip{background:var(--color-surface-elevated);color:var(--color-ink-muted);cursor:pointer;border:1px solid #0000001f;border-radius:999px;padding:6px 14px;font-size:.78rem;font-weight:600}.mf-edu-category-chip.active{border-color:var(--color-brand);color:var(--color-brand-dark);background:#0f6e5c1a}.mf-edu-featured{background:var(--color-surface-elevated);border-radius:var(--radius-card);max-width:780px;box-shadow:var(--shadow-card);margin:24px auto 0;padding:22px 24px}.mf-edu-featured .eyebrow{letter-spacing:.04em;text-transform:uppercase;color:var(--color-brand);font-size:.72rem;font-weight:700}.mf-edu-featured h3{margin:6px 0 8px;font-size:1.15rem}.mf-edu-featured p{color:var(--color-ink-muted);margin:0;font-size:.92rem}.mf-edu-articles-grid{grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:14px;max-width:780px;margin:16px auto 0;display:grid}.mf-edu-article-card{background:var(--color-surface-elevated);box-shadow:var(--shadow-card);border-radius:14px;padding:16px 18px}.mf-edu-article-card .category{text-transform:uppercase;color:var(--color-brand);font-size:.7rem;font-weight:700}.mf-edu-article-card h4{margin:6px 0;font-size:.95rem}.mf-edu-article-card p{color:var(--color-ink-muted);margin:0;font-size:.82rem}.mf-edu-viewall{text-align:center;margin-top:20px}.mf-edu-empty{text-align:center;color:var(--color-ink-muted);margin-top:24px;font-size:.9rem}.faq-list{flex-direction:column;gap:12px;max-width:780px;margin:40px auto 0;display:flex}.faq-item{background:var(--color-surface-elevated);border-radius:var(--radius-card);box-shadow:var(--shadow-card);overflow:hidden}.faq-question{width:100%;font:inherit;color:var(--color-ink);text-align:left;cursor:pointer;background:0 0;border:none;justify-content:space-between;align-items:center;gap:16px;padding:20px 24px;font-size:1rem;font-weight:600;display:flex}.faq-icon{width:28px;height:28px;color:var(--color-brand-dark);background:#0f6e5c14;border-radius:50%;flex-shrink:0;justify-content:center;align-items:center;font-size:1.1rem;transition:transform .2s,background .2s;display:flex}.faq-item.open .faq-icon{background:var(--color-brand);color:#fff;transform:rotate(45deg)}.faq-answer{max-height:0;color:var(--color-ink-muted);padding:0 24px;font-size:.95rem;transition:max-height .25s,padding .25s;overflow:hidden}.faq-item.open .faq-answer{max-height:240px;padding:0 24px 20px}.calc-btn{color:#fff;cursor:pointer;background:linear-gradient(180deg, var(--calc-color-light,var(--color-brand)) 0%, var(--calc-color,var(--color-brand)) 100%);box-shadow:0 4px 0 var(--calc-color-dark,var(--color-brand-dark)), 0 6px 14px #0000002e;border:none;border-radius:12px;justify-content:center;align-items:center;gap:8px;padding:14px 28px;font-size:.95rem;font-weight:700;transition:transform .1s,box-shadow .1s;display:inline-flex;position:relative;transform:translateY(0)}.calc-btn:hover{filter:brightness(1.05)}.calc-btn:active{box-shadow:0 1px 0 var(--calc-color-dark,var(--color-brand-dark)), 0 2px 6px #00000026;transform:translateY(3px)}.calc-btn--sip{--calc-color:#0f6e5c;--calc-color-light:#14876c;--calc-color-dark:#0a4b3f}.calc-btn--swp{--calc-color:#2563a8;--calc-color-light:#2f78c9;--calc-color-dark:#1a4b7d}.calc-btn--lumpsum{--calc-color:#b5651d;--calc-color-light:#cc7a2e;--calc-color-dark:#8a4a14}.calc-btn--goal{--calc-color:#7c3aed;--calc-color-light:#9257f2;--calc-color-dark:#5b26b8}.calc-tab{color:var(--color-ink-muted);cursor:pointer;background:0 0;border:none;border-bottom:3px solid #0000;border-radius:10px 10px 0 0;padding:10px 20px;font-weight:600}.calc-tab[aria-selected=true]{color:var(--color-ink);border-bottom-color:var(--calc-color,var(--color-brand))}.calc-result-card{background:var(--color-surface-elevated);border-radius:16px;padding:24px;box-shadow:0 8px 24px #0f6e5c14}.calc-result-card label{color:var(--color-ink-muted);flex-direction:column;gap:4px;font-size:.85rem;font-weight:600;display:flex}.calc-result-card input{color:var(--color-ink);border:1px solid #d8ded9;border-radius:8px;padding:10px 12px;font-size:1rem}.calc-result-figure{color:var(--color-ink);font-size:1.75rem;font-weight:700}.calc-result-label{color:#6b7280;text-transform:uppercase;letter-spacing:.03em;font-size:.8rem}.calc-disclaimer{color:#7a5a00;background:#fff7e6;border:1px solid #f0d999;border-radius:10px;margin-top:16px;padding:12px 16px;font-size:.8rem;line-height:1.5}