/* 401k calculator: all rules scoped under .c401, all classes prefixed c4- to avoid clashing with theme/bootstrap */
.c401 h1,.c401 h2,.c401 h3,.c401 p{font-family:inherit;text-transform:none;letter-spacing:normal;color:inherit;padding:0;margin-top:0}
.c401 ul,.c401 ol{padding:0}
.c401 button{box-shadow:none;text-transform:none}
.c401 .c4-hero h1,.c401 .c4-hero p{color:#fff}
.c401{
  --bg:#f3f6f4; --card:#ffffff; --ink:#0f2230; --muted:#5a6a78; --line:#dde5e1;
  --brand:#0a7a58; --brand2:#12a577; --brand-ink:#fff; --soft:#e6f5ee;
  --c-you:#3b82c4; --c-emp:#c8780c; --c-grow:#12a577;
  --good:#0a7a58; --goodbg:#e2f5ec; --warn:#8a4b00; --warnbg:#fff3df; --bad:#a63232; --badbg:#fde8e8;
  --shadow:0 1px 2px rgba(15,34,48,.06),0 8px 24px rgba(15,34,48,.06);
  --radius:16px;
}
.c401 *{box-sizing:border-box}
.c401{margin:0;background:var(--bg);color:var(--ink);font:18px/1.55 system-ui,-apple-system,"Segoe UI",Roboto,sans-serif}
.c401 .c4-wrap{max-width:1120px;margin:0 auto;padding:0 16px}
.c401 a{color:var(--brand)}
.c401 /* hero */
.c4-hero{background:linear-gradient(135deg,#063d2e 0%,#0a7a58 55%,#0d8a63 100%);color:#fff;padding:26px 0 74px;position:relative;overflow:hidden}
.c401 .c4-hero:after{content:"";position:absolute;right:-80px;top:-80px;width:340px;height:340px;border-radius:50%;background:rgba(255,255,255,.07)}
.c401 .c4-hero:before{content:"";position:absolute;right:140px;bottom:-120px;width:240px;height:240px;border-radius:50%;background:rgba(255,255,255,.05)}
.c401 .c4-crumbs{font-size:15px;opacity:.95}
.c401 .c4-crumbs a{color:#fff}
.c401 .c4-hero h1{font-size:clamp(30px,5vw,46px);line-height:1.1;margin:14px 0 10px;letter-spacing:-.02em}
.c401 .c4-hero p{margin:0;max-width:60ch;opacity:.92;font-size:19px}
.c401 .c4-chips{display:flex;gap:8px;flex-wrap:wrap;margin-top:18px}
.c401 .c4-chip{background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.22);border-radius:999px;padding:6px 14px;font-size:15px}
.c401 .c4-main{margin-top:-52px;position:relative;z-index:2}
.c401 .c4-grid{display:grid;grid-template-columns:minmax(0,420px) minmax(0,1fr);gap:22px;align-items:start}
@media(max-width:900px){.c401 .c4-grid{grid-template-columns:minmax(0,1fr)}}
.c401 .c4-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}
.c401 .c4-card h2{font-size:20px;margin:0 0 4px}
.c401 .c4-card h3{font-size:17px;margin:0 0 10px}
.c401 .c4-cardsub{color:var(--muted);font-size:15px;margin:0 0 14px}
.c401 /* form */
label{display:block;font-weight:650;margin:16px 0 5px}
.c401 .c4-hint{display:block;font-weight:400;font-size:14.5px;color:var(--muted)}
.c401 .c4-field{position:relative}
.c401 .c4-field .c4-pre,.c401 .c4-field .c4-suf{position:absolute;top:50%;transform:translateY(-50%);color:var(--muted);font-weight:600;pointer-events:none}
.c401 .c4-field .c4-pre{left:14px}
.c401 .c4-field .c4-suf{right:14px}
.c401 input[type=number]{width:100%;font:inherit;font-weight:600;padding:12px 14px;border:2px solid var(--line);border-radius:12px;background:var(--bg);color:var(--ink);min-height:50px;transition:border-color .15s,box-shadow .15s}
.c401 .c4-field.c4-has-pre input{padding-left:30px}
.c401 .c4-field.c4-has-suf input{padding-right:34px}
.c401 input:focus{outline:none;border-color:var(--brand);box-shadow:0 0 0 4px color-mix(in srgb,var(--brand) 22%,transparent)}
.c401 input[type=range]{width:100%;accent-color:var(--brand);margin:8px 0 0}
.c401 .c4-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.c401 details.c4-assume{margin-top:18px;border-top:1px solid var(--line);padding-top:14px}
.c401 summary{cursor:pointer;font-weight:650;color:var(--brand);list-style:none}
.c401 summary::-webkit-details-marker{display:none}
.c401 summary:before{content:"＋ ";}
.c401 details[open]>summary:before{content:"－ ";}
.c401 /* results */
.c4-stack{display:grid;gap:22px;grid-template-columns:minmax(0,1fr)}
.c401 .c4-kpis{display:grid;grid-template-columns:minmax(0,1.4fr) minmax(0,1fr) minmax(0,1fr);gap:12px}
@media(max-width:640px){.c401 .c4-kpis{grid-template-columns:minmax(0,1fr) minmax(0,1fr)}
.c401 .c4-kpis .c4-k1{grid-column:1/-1}}
.c401 .c4-k{border-radius:14px;padding:16px;background:var(--soft)}
.c401 .c4-k1{background:linear-gradient(135deg,#0a7a58,#0d8a63);color:#fff}
.c401 .c4-k .c4-lab{font-size:14.5px;opacity:.95}
.c401 .c4-k .c4-val{font-size:clamp(28px,4.4vw,40px);font-weight:800;letter-spacing:-.02em;line-height:1.1;margin:4px 0 2px}
.c401 .c4-k2 .c4-val,.c401 .c4-k3 .c4-val{font-size:clamp(22px,3.4vw,30px)}
.c401 .c4-k .c4-note{font-size:14px;opacity:.8}
.c401 .c4-toggle{display:inline-flex;background:var(--bg);border:1px solid var(--line);border-radius:999px;padding:3px;margin:0 0 14px}
.c401 .c4-toggle button{border:0;background:transparent;color:var(--muted);font:inherit;font-size:15px;font-weight:650;padding:7px 14px;border-radius:999px;cursor:pointer;min-height:38px}
.c401 .c4-toggle button[aria-pressed=true]{background:var(--brand);color:var(--brand-ink)}
.c401 .c4-say{background:var(--soft);border-radius:12px;padding:14px 16px;margin-top:14px}
.c401 /* chart */
.c4-chartbox{position:relative}
.c401 svg.c4-chart{width:100%;height:auto;display:block;touch-action:none}
.c401 .c4-chart text{fill:var(--muted);font-size:11px}
.c401 .c4-chart .c4-gridl{stroke:var(--line);stroke-width:1}
.c401 .c4-tip{display:flex;gap:14px;flex-wrap:wrap;font-size:14.5px;min-height:44px;margin-top:6px;color:var(--ink)}
.c401 .c4-tip b{font-weight:700}
.c401 .c4-legend{display:flex;gap:16px;flex-wrap:wrap;font-size:14.5px;color:var(--muted);margin-top:8px}
.c401 .c4-dot{display:inline-block;width:11px;height:11px;border-radius:3px;margin-right:6px;vertical-align:-1px}
.c401 /* donut */
.c4-split{display:grid;grid-template-columns:200px 1fr;gap:22px;align-items:center}
@media(max-width:640px){.c401 .c4-split{grid-template-columns:1fr;justify-items:center}}
.c401 .c4-donut{width:200px;height:200px}
.c401 .c4-donut text{fill:var(--ink)}
.c401 .c4-dl{display:grid;gap:10px;width:100%}
.c401 .c4-dl div{display:flex;justify-content:space-between;gap:12px;align-items:baseline;border-bottom:1px solid var(--line);padding-bottom:8px}
.c401 .c4-dl small{color:var(--muted);font-size:14px}
.c401 /* gauge */
.c4-gauge{position:relative;height:16px;border-radius:999px;background:linear-gradient(90deg,#d95b5b 0 25%,#f0a23b 25% 45%,#12a577 45% 100%);margin:34px 0 8px}
.c401 .c4-pin{position:absolute;top:-26px;transform:translateX(-50%);text-align:center;font-weight:800;font-size:14px}
.c401 .c4-pin:after{content:"";display:block;width:3px;height:36px;background:var(--ink);margin:2px auto 0;border-radius:2px}
.c401 .c4-ticks{display:flex;justify-content:space-between;font-size:13px;color:var(--muted)}
.c401 .c4-badge{display:inline-block;font-weight:700;font-size:14px;border-radius:999px;padding:4px 12px}
.c401 .c4-badge.c4-good{background:var(--goodbg);color:var(--good)}
.c401 .c4-badge.c4-warn{background:var(--warnbg);color:var(--warn)}
.c401 .c4-badge.c4-bad{background:var(--badbg);color:var(--bad)}
.c401 .c4-two{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:22px}
@media(max-width:900px){.c401 .c4-two{grid-template-columns:minmax(0,1fr)}}
.c401 /* scenarios */
.c4-sc{display:grid;grid-template-columns:repeat(auto-fill,minmax(210px,1fr));gap:12px}
.c401 .c4-s{border:1px solid var(--line);border-radius:14px;padding:14px;background:var(--bg)}
.c401 .c4-s .c4-t{font-weight:650;font-size:16px}
.c401 .c4-s .c4-v{font-size:22px;font-weight:800;margin:4px 0}
.c401 .c4-s .c4-d{font-size:14.5px;font-weight:700}
.c401 .c4-d.c4-up{color:var(--good)}
.c401 .c4-d.c4-down{color:var(--bad)}
.c401 /* insights */
.c4-ins{display:grid;gap:10px;margin:0;padding:0;list-style:none}
.c401 .c4-ins li{display:flex;gap:12px;border-radius:12px;padding:12px 14px;background:var(--bg);border:1px solid var(--line)}
.c401 .c4-ins li.c4-good{background:var(--goodbg);border-color:transparent}
.c401 .c4-ins li.c4-warn{background:var(--warnbg);border-color:transparent}
.c401 .c4-ins li.c4-bad{background:var(--badbg);border-color:transparent}
.c401 .c4-ins .c4-ic{font-size:20px;line-height:1.4}
.c401 /* bench */
.c4-bench{display:grid;grid-template-columns:repeat(auto-fit,minmax(70px,1fr));gap:6px;margin-top:10px;text-align:center;font-size:13px;color:var(--muted)}
.c401 .c4-bench div{border:1px solid var(--line);border-radius:10px;padding:8px 4px}
.c401 .c4-bench div.c4-on{background:var(--brand);color:var(--brand-ink);border-color:var(--brand);font-weight:700}
.c401 button.c4-btn{font:inherit;font-weight:700;border:0;border-radius:12px;padding:12px 18px;background:var(--brand);color:var(--brand-ink);cursor:pointer;min-height:48px}
.c401 button.c4-ghost{background:transparent;color:var(--brand);border:2px solid var(--brand)}
.c401 .c4-actions{display:flex;gap:10px;flex-wrap:wrap}
.c401 .c4-ad{margin:24px 0;min-height:110px;border:1px dashed var(--line);border-radius:12px;display:flex;align-items:center;justify-content:center;color:var(--muted);font-size:14px}
.c401 table{width:100%;border-collapse:collapse;font-size:15px}
.c401 th,.c401 td{padding:9px 8px;text-align:right;border-bottom:1px solid var(--line)}
.c401 th:first-child,.c401 td:first-child{text-align:left}
.c401 thead th{color:var(--muted);font-weight:600;font-size:14px}
.c401 .c4-limits th,.c401 .c4-limits td{text-align:left}
.c401 section.c4-text{margin:34px 0}
.c401 section.c4-text h2{font-size:26px;letter-spacing:-.01em}
.c401 .c4-rel{display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:12px;margin-top:12px}
.c401 .c4-rel a{display:block;padding:16px;border:1px solid var(--line);border-radius:14px;background:var(--card);color:var(--ink);text-decoration:none;font-weight:650;box-shadow:var(--shadow)}
.c401 .c4-rel a span{display:block;font-weight:400;font-size:15px;color:var(--muted)}
.c401 .c4-byline{font-size:15px;color:var(--muted);border-top:1px solid var(--line);padding-top:14px;margin-top:30px}
.c401 footer{padding:30px 0 50px;color:var(--muted);font-size:14px}
@media print{.c401 .c4-hero:before,.c401 .c4-hero:after,.c401 .c4-ad,.c401 .c4-actions,.c401 .c4-rel,.c401 details.c4-assume,.c401 .c4-toggle{display:none}
.c401 .c4-hero{background:#fff;color:#000;padding:0}
.c401 .c4-main{margin-top:0}
.c401{background:#fff;color:#000}
.c401 .c4-card{box-shadow:none;border:1px solid #999;break-inside:avoid}
.c401 .c4-k1{color:#000;background:#eee}}

.c401 .c4-faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 16px;margin:10px 0}
.c401 .c4-faq summary{font-weight:650;color:var(--ink)}
.c401 .c4-faq p{margin:10px 0 0;color:var(--muted)}
.c401 .c4-soon div{padding:16px;border:1px dashed var(--line);border-radius:14px;background:var(--card);color:var(--ink)}
.c401 .c4-soon div span{display:block;font-weight:400;font-size:15px;color:var(--muted)}
.c401 .c4-main h2{margin-top:30px}
.c401 label,.c401 summary,.c401 th,.c401 td,.c401 b{color:inherit}
.c401 .c4-hint{color:var(--muted)}
.c401 h2,.c401 h3{margin-bottom:6px;line-height:1.25}
.c401 .c4-card h2{margin-top:0}
.c401 table{margin-bottom:0}
.c401 .c4-grid{margin-bottom:22px}

/* ---- generic calculator pages (nine siblings) ---- */
.c401 [hidden]{display:none!important}
.c401 select{width:100%;font:inherit;font-weight:600;padding:12px 14px;border:2px solid var(--line);border-radius:12px;background:var(--bg);color:var(--ink);min-height:50px;appearance:auto}
.c401 select:focus{outline:none;border-color:var(--brand);box-shadow:0 0 0 4px color-mix(in srgb,var(--brand) 22%,transparent)}
.c401 .c4-check{display:flex;align-items:center;gap:10px;font-weight:600;margin-top:16px;cursor:pointer}
.c401 .c4-check input{width:22px;height:22px;accent-color:var(--brand)}
.c401 .c4-kpis.c4-gen{grid-template-columns:repeat(auto-fit,minmax(170px,1fr))}
.c401 .c4-k4 .c4-val{font-size:clamp(22px,3.4vw,30px)}
.c401 .c4-k1 .c4-lab,.c401 .c4-k1 .c4-val,.c401 .c4-k1 .c4-note{color:#fff}
.c401 .c4-warnbox{background:var(--warnbg);color:var(--warn);border-radius:10px;padding:10px 12px;margin-top:12px;font-size:16px}
.c401 .c4-splitbar{display:flex;height:22px;border-radius:999px;overflow:hidden;background:var(--line);margin:6px 0 4px}
.c401 .c4-splitbar i{display:block;height:100%}
.c401 .c4-splitlist{display:grid;gap:10px;margin-top:14px}
.c401 .c4-splitlist div{display:flex;justify-content:space-between;gap:12px;align-items:baseline;border-bottom:1px solid var(--line);padding-bottom:8px}
.c401 .c4-splitlist small{color:var(--muted);font-size:14px}
.c401 .c4-limits th{width:55%}
.c401 .c4-rel a b{display:block}
.c401 .c4-ins li.c4-good{background:var(--goodbg);border-color:transparent}
.c401 .c4-ins li.c4-warn{background:var(--warnbg);border-color:transparent}
.c401 .c4-ins li.c4-bad{background:var(--badbg);border-color:transparent}
.c401 .c4-tip b{font-weight:700}
.c401 .c4-chart text{font-size:11px}

/* ---- site pages: home, hubs, articles (c401 scope) ---- */
.c401 .c4-sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.c401 .c4-hero-home{padding:40px 0 84px}
.c401 .c4-hero-home h1{font-size:clamp(32px,6vw,52px);max-width:18ch}
.c401 .c4-hero-article{padding:24px 0 66px}
.c401 .c4-hero-article h1{font-size:clamp(28px,4.6vw,42px);max-width:26ch}
.c401 .c4-byline-top{margin-top:8px;font-size:16px;opacity:.9}
.c401 .c4-search{margin-top:20px;max-width:560px}
.c401 .c4-search input{width:100%;font:inherit;padding:14px 18px;border:0;border-radius:14px;min-height:54px;background:#fff;color:#0f2230;box-shadow:0 6px 24px rgba(0,0,0,.18)}
.c401 .c4-section{margin:34px 0}
.c401 .c4-section h2{font-size:26px;letter-spacing:-.01em;margin-bottom:12px}
.c401 .c4-tgrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:12px}
.c401 .c4-tcard{display:block;padding:16px 18px;border:1px solid var(--line);border-radius:14px;background:#fff;color:var(--ink);text-decoration:none;box-shadow:var(--shadow);transition:transform .12s,border-color .12s}
.c401 .c4-tcard:hover{transform:translateY(-2px);border-color:var(--brand)}
.c401 .c4-tcard[hidden]{display:none}
.c401 .c4-tcard b{display:block;font-size:18px;color:var(--ink)}
.c401 .c4-tcard span{display:block;font-size:15px;color:var(--muted);margin-top:2px}
.c401 .c4-none{color:var(--muted)}
.c401 .c4-countries{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:12px}
.c401 .c4-countries a{display:block;padding:16px 18px;border:1px solid var(--line);border-radius:14px;background:#fff;color:var(--ink);text-decoration:none;box-shadow:var(--shadow)}
.c401 .c4-countries a:hover{border-color:var(--brand)}
.c401 .c4-countries b{display:inline;font-size:18px;margin-left:6px}
.c401 .c4-countries span{display:block;font-size:15px;color:var(--muted);margin-top:4px}
.c401 .c4-countries .c4-flag{display:inline;font-size:22px;color:inherit;margin:0}
.c401 .c4-flag{font-size:.9em}
.c401 .c4-trust-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:14px;margin:8px 0 14px}
.c401 .c4-trust-grid div{background:var(--soft);border-radius:14px;padding:16px}
.c401 .c4-trust-grid b{display:block;font-size:18px;margin-bottom:4px}
.c401 .c4-trust-grid span{color:var(--muted);font-size:16px}
.c401 .c4-next{display:block;margin:18px 0;padding:18px 20px;border-radius:16px;background:linear-gradient(135deg,#0a7a58,#0d8a63);color:#fff!important;text-decoration:none}
.c401 .c4-next b,.c401 .c4-next span{display:block;color:#fff}
.c401 .c4-next b{font-size:22px;margin:2px 0}
.c401 .c4-next .c4-next-label{font-size:13px;text-transform:uppercase;letter-spacing:.08em;opacity:.95}
.c401 .c4-next .c4-next-go{margin-top:8px;font-weight:700}
.c401 .c4-next:hover{filter:brightness(1.05)}
.c401 .c4-article{max-width:760px;margin:0 auto;padding:6px 0 10px}
.c401 .c4-article p,.c401 .c4-article li{font-size:19px;line-height:1.7}
.c401 .c4-article h2{font-size:28px;margin-top:34px}
.c401 .c4-article h3{font-size:22px;margin-top:24px}
.c401 .c4-article table{margin:14px 0}
.c401 .c4-article a{text-decoration:underline}
.c401 .c4-article .c4-next{text-decoration:none}
.c401 .c4-article blockquote{border-left:4px solid var(--brand);margin:16px 0;padding:6px 16px;background:var(--soft);border-radius:0 10px 10px 0}
.c401 .c4-sources li{font-size:16px}
.c401 .c4-disclaimer{font-size:15px!important;color:var(--muted);border-top:1px solid var(--line);padding-top:14px;margin-top:26px}
.c401 .c4-list a span.c4-meta{font-size:14px;margin-top:6px}
.c401 .c4-byline a{color:var(--brand)}

/* flat layout for home, hubs and articles: no card overlapping the hero */
.c401 .c4-flow{margin-top:0;padding-top:10px}
.c401 .c4-hero:has(+ .c4-flow){padding-bottom:38px}
.c401 .c4-hero-home:has(+ .c4-flow){padding-bottom:46px}

/* contact form */
.c401 .c4-narrow{max-width:640px;margin:0 auto}
.c401 textarea{width:100%;font:inherit;padding:12px 14px;border:2px solid var(--line);border-radius:12px;background:var(--bg);color:var(--ink);resize:vertical}
.c401 textarea:focus{outline:none;border-color:var(--brand);box-shadow:0 0 0 4px color-mix(in srgb,var(--brand) 22%,transparent)}
.c401 .c4-hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.c401 .c4-err{color:var(--bad);font-size:15px;margin:6px 0 0}
.c401 .c4-notice{border-radius:12px;padding:14px 16px;margin-bottom:16px}
.c401 .c4-notice.c4-ok{background:var(--goodbg);color:var(--good)}
.c401 .c4-form .c4-btn{margin-top:6px}

.c401 .c4-notice.c4-bad{background:var(--badbg);color:var(--bad)}

/* chart text sized in real pixels now (the chart redraws to its container width) */
.c401 .c4-chart text{font-size:13px}
.c401 .c4-chart:focus-visible{outline:3px solid var(--brand);outline-offset:3px;border-radius:6px}
.c401 .c4-noscript{background:var(--warnbg);color:var(--warn);border-radius:12px;padding:14px 16px;margin:0 0 16px}

/* date inputs match the number inputs */
.c401 input[type=date]{width:100%;font:inherit;font-weight:600;padding:12px 14px;border:2px solid var(--line);border-radius:12px;background:var(--bg);color:var(--ink);min-height:50px}
.c401 input[type=date]:focus{outline:none;border-color:var(--brand);box-shadow:0 0 0 4px color-mix(in srgb,var(--brand) 22%,transparent)}

@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}