/* Life insurance pair — uses the existing website's semantic colour tokens. */
body{font-size:17px} [hidden]{display:none!important}
.hlv-wrap{max-width:1120px;margin:auto;padding:0 clamp(20px,5vw,64px)}
.hlv-header .siteIn{padding:20px 0;min-height:84px}
.hlv-logo{width:170px;height:auto;display:block}.hlv-logo-night{display:none}
@media(prefers-color-scheme:dark){.hlv-logo-day{display:none}.hlv-logo-night{display:block}}
.hlv-nav{display:flex;gap:24px;align-items:center;font-size:14px}.hlv-nav a{text-decoration:none;color:var(--ink-2)}
.hlv-nav a:hover{text-decoration:underline;text-underline-offset:4px}
.skip-link{position:absolute;left:16px;top:-80px;z-index:5;background:var(--surface);color:var(--ink);padding:12px}.skip-link:focus{top:8px}
.hlv-hero{padding:52px 0 28px;max-width:860px}.hlv-hero h1{font-size:clamp(37px,5.5vw,58px);letter-spacing:-.012em;line-height:1.1;margin-bottom:18px}
.hlv-hero h1 span{color:var(--gold-deep)}.hlv-hero .lede{max-width:650px;font-size:19px;margin:0 0 16px}
.hlv-links{display:flex;align-items:center;gap:22px;flex-wrap:wrap;font-size:15px}.hlv-links a{color:var(--gold-deep);text-underline-offset:4px}
.text-button{font:inherit;color:var(--ink-2);background:none;border:0;padding:0;text-decoration:underline;text-underline-offset:4px;cursor:pointer}
.privacy-note{font-size:13px;color:var(--ink-2);margin:16px 0 0}
.hlv-main{padding-bottom:24px}.hlv-main .eyebrow{font-weight:600}
.hlv-layout{display:grid;grid-template-columns:minmax(0,1fr) 260px;gap:36px;align-items:start}
.hlv-aside{padding-top:30px;color:var(--ink-2);font-size:15px}.hlv-aside h2{font-family:Karla,system-ui,sans-serif;font-size:16px;font-weight:600;margin:0 0 12px}.hlv-aside p{margin-bottom:18px}.hlv-aside .aside-rule{border-top:1px solid var(--rule);padding-top:20px}
.steps{display:flex;gap:8px;padding:0;margin:0 0 10px;list-style:none}.step-label{flex:1;border-top:3px solid var(--rule);padding:9px 0 0;font-size:12px;line-height:1.4;color:var(--ink-2)}.step-label.active{border-color:var(--gold);color:var(--ink);font-weight:700}
.step-count{font-size:13px;color:var(--ink-2);margin:0 0 18px}
.form-card{background:var(--surface);border:1px solid var(--rule);padding:28px;border-radius:3px;box-shadow:var(--shadow)}
.form-card h2{font-size:29px;margin:0 0 8px;outline-offset:6px}.step-intro{color:var(--ink-2);font-size:15px;margin:0 0 26px}
.field{margin-bottom:24px}.field:last-child{margin-bottom:0}.field label{display:block;font-size:16px;font-weight:600;line-height:1.4;margin-bottom:8px}
.field .hint{font-size:13px;color:var(--ink-2);margin:8px 0 0;line-height:1.5}.field-row{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.input-shell{display:flex;align-items:center;border:1px solid var(--rule);border-radius:3px;background:var(--ground);overflow:hidden}
.input-shell:focus-within{outline:2px solid var(--focus);outline-offset:2px}.input-shell input{border:0;background:transparent;box-shadow:none;outline:none;min-width:0;width:100%;font:500 21px Karla,system-ui,sans-serif;color:var(--ink);padding:13px 14px;font-variant-numeric:tabular-nums}
.input-shell input:focus-visible{outline:none}.input-shell .unit{font-size:14px;white-space:nowrap;color:var(--ink-2);padding:0 14px}.input-shell .prefix{padding-right:0}
select{font:inherit;color:var(--ink);background:var(--ground);border:1px solid var(--rule);padding:9px;max-width:100%;border-radius:3px}.unit-select{display:flex;align-items:center;gap:10px;font-size:13px;margin-top:9px}
.field-error{display:block;color:#ad2929;font-size:13px;line-height:1.5;margin-top:6px}.field-error:empty{display:none}input[aria-invalid=true]{box-shadow:inset 3px 0 #ad2929}
@media(prefers-color-scheme:dark){.field-error{color:#ffb4ab}}
.form-actions{display:flex;justify-content:space-between;gap:16px;margin-top:28px;padding-top:24px;border-top:1px solid var(--rule)}
button.btn{font-family:inherit;cursor:pointer;line-height:1.4;min-height:46px}.btn-secondary{background:transparent;color:var(--ink);border-color:var(--rule)}.form-actions .btn-primary{margin-left:auto}
.assumption-panel{margin-top:20px;border-top:1px solid var(--rule);padding-top:18px;font-size:14px}.assumption-panel summary{cursor:pointer;color:var(--ink);font-weight:600}.assumption-panel p{font-size:14px;color:var(--ink-2);margin:14px 0}.assumption-panel .field label{font-size:14px}.assumption-panel .field-row{margin-top:18px}.assumption-panel .input-shell input{font-size:18px}
.assumption-line{display:block;margin-top:4px;font-size:13px;font-weight:400;color:var(--ink-2)}
.example-note{background:var(--gold-soft);color:var(--ink);padding:9px 12px;font-size:13px;border-left:2px solid var(--gold);margin:0 0 16px}
.method-intro{max-width:780px;margin-top:40px;padding-top:24px;border-top:1px solid var(--rule);color:var(--ink-2);font-size:15px}.method-intro h2{font-size:23px;margin:0 0 12px}.method-intro a{color:var(--gold-deep)}
.result-head{padding:40px 0 24px}.result-head h2{margin:0 0 8px;font-size:clamp(28px,4vw,38px)}
.result-number{font:400 clamp(48px,7vw,80px)/1.1 Marcellus,Georgia,serif;letter-spacing:-.02em;color:var(--gold-deep);margin:0 0 12px}.result-description{max-width:670px;color:var(--ink-2);font-size:18px;margin:0 0 12px}
.tiny{font-size:12px;color:var(--ink-2)}.result-assumptions{background:var(--ground-2);border:1px solid var(--rule);border-radius:3px;padding:14px 18px;font-size:14px;margin:18px 0}.result-assumptions .text-button{margin-left:14px}
.result-grid{display:grid;grid-template-columns:1.1fr 1fr;gap:30px}.result-card{border:1px solid var(--rule);background:var(--surface);padding:26px;border-radius:3px}.result-card h3{margin:0 0 20px;font-size:24px}.bridge{margin:0}.bridge div{display:flex;justify-content:space-between;align-items:baseline;gap:16px;padding:13px 0;border-bottom:1px solid var(--rule-soft)}.bridge dt{font-size:15px;color:var(--ink-2)}.bridge dd{margin:0;font-size:18px;font-weight:600;text-align:right;white-space:nowrap}.bridge .bridge-total{border-bottom:0}.bridge-total dd{color:var(--gold-deep)}
.bars-compact{margin-top:26px}.bars-compact .barRow{font-size:13px;margin-top:18px}.bars-compact .track{height:9px}.bars-compact .existing{background:var(--ink-2)}
.scenario-table{width:100%;border-collapse:collapse;font-size:14px}.scenario-table th{font-weight:400;text-align:left}.scenario-table th,.scenario-table td{padding:14px 10px;border-bottom:1px solid var(--rule-soft)}.scenario-table td{text-align:right;font-weight:600;white-space:nowrap}.scenario-table th small{display:block;color:var(--ink-2);font-size:12px}.selected-row{background:var(--gold-soft)}.scenario-note{font-size:13px;color:var(--ink-2);margin:14px 0 0}
.result-details{border:1px solid var(--rule);padding:18px 22px;border-radius:3px;margin:24px 0;font-size:15px}.result-details summary{cursor:pointer;font-weight:600}.result-details p{margin:16px 0}.formula{font-family:Georgia,serif;overflow-wrap:anywhere;background:var(--ground-2);padding:16px}.result-cta{display:flex;flex-wrap:wrap;gap:16px;align-items:center;margin:24px 0}.result-cta a{font-size:15px}.result-cta .btn+.btn{margin:0}.result-limit{font-size:14px;color:var(--ink-2);max-width:820px}
.hlv-review{background:var(--band);color:var(--band-ink);border-radius:3px;padding:24px;margin:24px 0 16px;box-shadow:var(--shadow)}.hlv-review p{margin:0 0 14px;font-size:18px;line-height:1.4}.hlv-review b{color:#D8B463;font-weight:400}.hlv-review .ctab{display:flex;flex-wrap:wrap;gap:10px}.hlv-review .qbtn,.hlv-review a{display:inline-flex;align-items:center;justify-content:center;font:700 16px/1.4 Karla,system-ui,sans-serif;cursor:pointer;border-radius:3px;min-height:48px;padding:12px 20px;text-decoration:none}.hlv-review .qbtn{background:var(--band-ink);color:#141A3C;border:1px solid var(--band-ink)}.hlv-review .qbtn:hover{filter:brightness(.95)}.hlv-review a{background:transparent;color:var(--band-ink);border:1px solid var(--band-ink-2)}.hlv-review a:focus-visible,.hlv-review button:focus-visible{outline:2px solid var(--band-ink);outline-offset:2px}
.quote-section{margin:28px 0;max-width:820px}.quote-section .form-card h2{margin-bottom:12px}.quote-input{font:inherit;color:var(--ink);background:var(--ground);border:1px solid var(--rule);border-radius:3px;padding:10px 12px;min-height:46px;width:100%;min-width:0}.quote-input:focus{outline:2px solid var(--focus);outline-offset:2px}.quote-input[readonly]{color:var(--ink-2)}.quote-note{font-size:13px;line-height:1.55;color:var(--ink-2);margin:16px 0 0}.quote-consent{display:flex;gap:10px;align-items:flex-start;font-size:14px;line-height:1.5;cursor:pointer}.quote-consent input{width:18px;height:18px;flex:0 0 18px;margin:3px 0 0;accent-color:var(--gold-deep)}.quote-message{white-space:pre-wrap;overflow-wrap:anywhere;font:13px/1.5 Karla,system-ui,sans-serif;background:var(--ground-2);padding:14px;border-radius:3px;color:var(--ink-2)}.quote-buttons{display:flex;flex-wrap:wrap;gap:10px;margin:20px 0}.quote-buttons .btn+.btn{margin-left:0}.quote-section details{margin:18px 0}.quote-section summary{cursor:pointer}
.hlv-article{max-width:960px}.hlv-article article{padding-top:52px}.hlv-article .lede{max-width:730px}.hlv-article h1{max-width:760px;font-size:clamp(36px,4.8vw,53px)}.hlv-article .article-copy{max-width:740px}.hlv-article .meta{font-size:13px;margin:20px 0}.hlv-article .meta time{color:var(--ink-2)}
.hlv-article .article-cta{display:flex;gap:18px;align-items:center;flex-wrap:wrap;margin:24px 0 36px;font-size:14px}.hlv-article .article-cta span{color:var(--ink-2)}
.hlv-figure{margin:36px 0;padding:26px;border:1px solid var(--rule);background:var(--surface);border-radius:3px}.hlv-figure figcaption{margin-bottom:24px;font:400 25px/1.25 Marcellus,Georgia,serif}.figure-no{display:block;color:var(--gold-deep);font:600 11px/1.5 Karla,system-ui,sans-serif;letter-spacing:.16em;text-transform:uppercase;margin-bottom:8px}
.hlv-figure .figure-note{color:var(--ink-2);font-size:13px;line-height:1.55;margin:18px 0 0}.hlv-figure details{margin-top:16px;font-size:13px;color:var(--ink-2)}.hlv-figure details summary{cursor:pointer}.hlv-figure .chart-table{margin:12px 0 0}
.contribution-flow{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-bottom:22px}.flow-item{background:var(--ground);padding:16px 12px;border-top:2px solid var(--rule);min-width:0}.flow-item:last-child{border-color:var(--gold)}.flow-item strong{display:block;font:400 29px/1.15 Marcellus,Georgia,serif;white-space:nowrap}.flow-item span{display:block;font-size:12px;color:var(--ink-2);margin-top:8px;line-height:1.4}.flow-caption{font-size:12px;color:var(--ink-2);margin:0 0 24px}.pv-bridge{border-top:1px solid var(--rule);padding-top:20px}.pv-bridge dl{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:0}.pv-bridge dt{font-size:12px;color:var(--ink-2);margin-bottom:7px}.pv-bridge dd{font:400 27px/1.2 Marcellus,Georgia,serif;margin:0}.pv-bridge .highlight dd{color:var(--gold-deep)}
.years-chart{display:flex;align-items:stretch;gap:20px}.years-column{flex:1;display:flex;flex-direction:column;align-items:center;min-width:0}.years-value{font:600 13px/1.4 Karla,system-ui,sans-serif;white-space:nowrap;margin-bottom:8px}.years-track{height:180px;width:100%;display:flex;align-items:flex-end;max-width:64px}.years-fill{width:100%;background:var(--ink-2);border-radius:2px 2px 0 0}.years-column.highlight .years-fill{background:var(--gold)}.years-label{font-size:13px;line-height:1.3;margin-top:10px;text-align:center;color:var(--ink-2)}
.heatmap{width:100%;border-collapse:separate;border-spacing:5px;font-size:14px;text-align:center}.heatmap th{font-weight:500;color:var(--ink-2);font-size:12px;line-height:1.3;padding:8px}.heatmap td{padding:20px 8px;background:var(--ground-2);font-weight:600;white-space:nowrap;border:1px solid transparent}.heatmap .mid{background:var(--gold-soft);border-color:var(--gold)}.heatmap .hot{background:var(--band);color:var(--band-ink)}.heatmap .warm{background:var(--gold-soft)}.chart-scroll{max-width:100%;overflow-x:auto}
.chart-table{width:100%;border-collapse:collapse;font-size:13px}.chart-table caption{text-align:left;margin-bottom:8px}.chart-table th,.chart-table td{padding:9px 8px;border-bottom:1px solid var(--rule);text-align:left}.chart-table th{font-weight:600}
.hlv-article .short-answer{background:var(--ground-2);border-left:2px solid var(--gold);padding:18px 22px;font-size:16px;margin:24px 0}.hlv-article .short-answer p{margin:0}.hlv-article .questions details{padding:14px 0;border-top:1px solid var(--rule);font-size:15px}.hlv-article .questions summary{font-weight:600;cursor:pointer}.hlv-article .questions p{margin:12px 0 0;color:var(--ink-2)}
.source-list{font-size:13px;color:var(--ink-2);line-height:1.6}.source-list a{color:var(--ink);text-underline-offset:3px}.source-list li{margin-bottom:12px}.method-box{font-size:14px;color:var(--ink-2);border:1px solid var(--rule);padding:18px 22px;margin-top:24px}.method-box summary{cursor:pointer;font-weight:600;color:var(--ink)}.method-box p{margin:12px 0 0}.reading-note{font-size:13px;color:var(--ink-2)}
@media(max-width:850px){.hlv-layout{grid-template-columns:1fr;gap:0}.hlv-aside{display:none}.hlv-hero{padding-top:38px}.result-grid{grid-template-columns:1fr}.hlv-nav{gap:16px}.hlv-article{max-width:820px}}
@media(max-width:560px){.hlv-header .siteIn{padding:18px 0}.hlv-logo{width:135px}.hlv-nav{font-size:12px;gap:13px}.hlv-nav .desktop-link{display:none}.hlv-hero{padding-top:32px}.hlv-hero h1{font-size:38px}.hlv-hero .lede{font-size:17px}.hlv-hero .hlv-links{font-size:14px;gap:14px}.form-card{padding:22px 18px}.field-row{grid-template-columns:1fr;gap:0}.field{margin-bottom:22px}.form-card h2{font-size:27px}.step-label{font-size:11px}.result-number{font-size:51px}.result-card{padding:22px 18px}.result-assumptions .text-button{display:block;margin:8px 0 0}.result-cta{gap:18px}.hlv-figure{padding:20px 15px;margin:28px 0}.hlv-figure figcaption{font-size:23px}.flow-item{padding:12px 8px}.flow-item strong{font-size:24px}.contribution-flow{gap:6px}.pv-bridge dl{grid-template-columns:1fr;gap:12px}.pv-bridge dl>div{display:flex;align-items:baseline;justify-content:space-between;gap:16px}.pv-bridge dd{font-size:24px;white-space:nowrap}.pv-bridge dt{max-width:150px}.years-chart{gap:7px}.years-value{font-size:10px}.years-track{height:150px;max-width:40px}.years-label{font-size:11px}.heatmap{font-size:12px;border-spacing:3px}.heatmap th{padding:6px 2px;font-size:10px}.heatmap td{padding:18px 3px}.hlv-article .article-cta{gap:12px}.hlv-article article{padding-top:32px}.hlv-article h1{font-size:36px}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}
@media print{.site,.foot,.hlv-hero,.result-cta,.method-intro,#form-top,#hlv-form,#adjust-result,.hlv-nav{display:none!important}.hlv-wrap{max-width:100%;padding:0}.result-grid{display:block}.result-card{break-inside:avoid;box-shadow:none;margin-bottom:16px}.result-details{display:none}.hlv-main{padding:0}.result-head{padding-top:0}.hlv-figure{break-inside:avoid}.hlv-article .article-cta{display:none}body{background:white;color:#141A3C}}