:root{--orange:#ff583c;--action:#c8361f;--action-hover:#a92d18;--ink:#070707;--ink-2:#2b2a27;--paper:#faf9f7;--white:#ffffff;--soft:#fff2ee;--line:#dedbd4;--muted:#5c5953;--good:#1f6b45;--radius:14px;--shadow:0 1px 2px rgba(7,7,7,0.04),0 8px 24px rgba(7,7,7,0.06);--max:1120px;--font:Arial,Helvetica,sans-serif;color-scheme:light}*{box-sizing:border-box}html{-webkit-text-size-adjust:100%;font-size:112.5%}body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--font);font-size:1.0556rem;line-height:1.6}img{max-width:100%;height:auto}a{color:var(--action);text-underline-offset:3px}a:hover{color:var(--action-hover)}:focus-visible{outline:3px solid var(--action);outline-offset:3px;border-radius:4px}h1,h2,h3{font-weight:400;letter-spacing:-.02em;line-height:1.15;margin:0 0 .5em}h1{font-size:clamp(2.25rem,5.2vw,3.6rem)}h2{font-size:clamp(1.75rem,3.4vw,2.4rem)}h3{font-size:1.4rem;letter-spacing:-.01em;line-height:1.3}p{margin:0 0 1em}.accent{color:var(--action)}.on-dark .accent{color:var(--orange)}.skip-link{position:absolute;left:-9999px;top:0;background:var(--white);padding:12px 16px;z-index:100}.skip-link:focus{left:16px;top:16px}.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}.narrow{max-width:760px}.section{padding:72px 0}.section-tight{padding:48px 0}.section-white{background:var(--white);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.eyebrow{display:flex;width:-moz-fit-content;width:fit-content;align-items:center;gap:10px;line-height:1.4;font-size:.85rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin-bottom:14px}.eyebrow:before{content:"";width:22px;height:2px;background:var(--orange)}.lede{font-size:1.3rem;color:var(--ink-2);max-width:40em}.muted{color:var(--muted)}.small{font-size:1rem}.site-header{background:var(--ink);color:var(--white)}.header-inner{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:14px 20px;flex-wrap:wrap}.logo{display:inline-flex;align-items:center;min-height:44px}.logo img{height:34px;width:auto;display:block}.main-nav{display:flex;flex-wrap:wrap;gap:4px 6px;align-items:center}.main-nav a{color:var(--white);text-decoration:none;font-size:1.05rem;font-weight:700;padding:10px 12px;border-radius:8px;min-height:48px;display:inline-flex;align-items:center}.main-nav a:hover{background:rgba(255,255,255,.1);color:var(--white)}.header-call{display:inline-flex;align-items:center;gap:8px;min-height:48px;padding:10px 18px;border-radius:10px;background:var(--orange);color:var(--ink);font-weight:700;text-decoration:none;white-space:nowrap}.header-call:hover{background:#ff7a63;color:var(--ink)}@media (max-width:1180px){.main-nav{order:3;width:100%;border-top:1px solid rgba(255,255,255,.15);padding-top:6px;margin-left:-12px}}@media (max-width:900px){.header-inner{padding:12px 16px}.logo img{height:26px}.main-nav{justify-content:space-between;margin-left:0}.main-nav a{font-size:1rem;padding:8px 6px}.header-call{padding:8px 14px;font-size:1rem}.header-call .call-label{display:none}}@media (max-width:600px){.header-inner{gap:10px}.logo img{height:21px}.header-call{padding:6px 12px;font-size:1rem;min-height:44px}.main-nav{display:grid;grid-template-columns:1fr 1fr;grid-gap:0 8px;gap:0 8px}.main-nav a{min-height:44px}}.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:56px;padding:14px 26px;border-radius:12px;border:2px solid transparent;font:inherit;font-weight:700;font-size:1.15rem;text-decoration:none;cursor:pointer;background:var(--action);transition:background .15s}.btn,.btn:hover{color:var(--white)}.btn:hover{background:var(--action-hover)}.btn[disabled]{opacity:.6;cursor:progress}.btn-secondary{background:var(--white);color:var(--ink);border-color:var(--ink)}.btn-secondary:hover{background:var(--paper);color:var(--ink)}.btn-block{width:100%}.btn-row{display:flex;flex-wrap:wrap;gap:14px;align-items:center}.card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow)}.grid{display:grid;grid-gap:22px;gap:22px}.grid-2{grid-template-columns:repeat(auto-fit,minmax(300px,1fr))}.grid-3{grid-template-columns:repeat(auto-fit,minmax(260px,1fr))}.link-card{display:block;text-decoration:none;color:var(--ink);transition:border-color .15s,transform .15s}.link-card:hover{border-color:var(--action);color:var(--ink);transform:translateY(-2px)}.link-card .more{color:var(--action);font-weight:700}.hero{background:var(--ink);color:var(--white);padding:40px 0 56px;position:relative;overflow:hidden}.hero:after{content:"";position:absolute;right:-180px;top:-140px;width:520px;height:520px;border-radius:50%;border:70px solid rgba(255,88,60,.12);pointer-events:none}.hero-grid{display:grid;grid-template-columns:1.1fr 1fr;grid-gap:48px;gap:48px;align-items:start;position:relative;z-index:1}.hero .lede{color:#e9e6e1}.hero .eyebrow{color:#cfcac2}@media (max-width:900px){.hero-grid{grid-template-columns:1fr;gap:32px}.hero{padding:44px 0 52px}}.page-head{background:var(--ink);color:var(--white);padding:52px 0 48px}.page-head .lede{color:#e9e6e1}.page-head .eyebrow{color:#cfcac2}.trust{background:var(--white);border-bottom:1px solid var(--line)}.trust ul{list-style:none;margin:0;padding:22px 20px;display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));grid-gap:14px 28px;gap:14px 28px}.trust li{display:flex;gap:12px;align-items:flex-start;font-size:1.05rem}.trust .tick{flex:none;width:28px;height:28px;border-radius:50%;background:var(--soft);color:var(--action);display:grid;place-items:center;font-weight:700}.field{margin-bottom:22px}.field>.label,.field>label,fieldset legend{display:block;font-weight:700;margin-bottom:8px;font-size:1.1rem;padding:0}.hint{display:block;color:var(--muted);font-size:1rem;margin-top:6px;font-weight:400}input[type=email],input[type=number],input[type=tel],input[type=text],select,textarea{width:100%;min-height:56px;padding:12px 14px;font:inherit;font-size:1.15rem;color:var(--ink);background:var(--white);border:2px solid #8a867e;border-radius:10px}textarea{min-height:120px}input:focus,select:focus,textarea:focus{border-color:var(--action);outline:none;box-shadow:0 0 0 3px rgba(200,54,31,.2)}fieldset{border:0;margin:0 0 22px;padding:0;min-width:0}.stepper{display:flex;align-items:stretch;gap:8px}.stepper input{text-align:center;font-weight:700;font-size:1.35rem}.stepper button{flex:none;width:56px;min-height:56px;border-radius:10px;border:2px solid var(--ink);background:var(--white);font-size:1.6rem;font-weight:700;cursor:pointer;color:var(--ink)}.stepper button:hover{background:var(--soft)}.chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:10px}.chip{min-height:48px;padding:8px 16px;border-radius:999px;border:2px solid var(--line);background:var(--white);font:inherit;font-size:1rem;font-weight:700;cursor:pointer;color:var(--ink)}.chip[aria-pressed=true]{border-color:var(--action);background:var(--soft);color:var(--action-hover)}.choices{display:grid;grid-gap:10px;gap:10px;grid-template-columns:repeat(auto-fit,minmax(150px,1fr))}.choices.stack{grid-template-columns:1fr}.choice{position:relative}.choice input{position:absolute;opacity:0;inset:0;width:100%;height:100%;margin:0;cursor:pointer}.choice span{display:block;min-height:56px;padding:14px 16px;border:2px solid var(--line);border-radius:10px;background:var(--white);font-weight:700}.choice small{display:block;font-weight:400;color:var(--muted);font-size:1rem;margin-top:2px}.choice input:checked+span{border-color:var(--action);background:var(--soft)}.choice input:focus-visible+span{outline:3px solid var(--action);outline-offset:2px}.check{gap:14px;align-items:flex-start;line-height:1.5;cursor:pointer}.check,.field>label.check{display:flex;font-size:1rem}.field>label.check{font-weight:400}.check input{flex:none;width:28px;height:28px;margin-top:2px;accent-color:var(--action)}.error{color:#a1210f;font-weight:700;margin:0 0 14px}.hp{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}.tool-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);grid-gap:32px;gap:32px;align-items:start}@media (max-width:900px){.tool-grid{grid-template-columns:1fr}}.result{border:2px solid var(--ink)}.result-figure{font-size:clamp(2.1rem,6vw,3rem);line-height:1.1;letter-spacing:-.02em;margin:6px 0 4px}.result-sub{font-size:1.2rem;color:var(--ink-2)}.result dl{margin:22px 0;display:grid;grid-gap:14px;gap:14px}.result dt{font-weight:700}.result dd{margin:2px 0 0;color:var(--ink-2)}.disclaimer{background:var(--paper);border-left:4px solid var(--orange);padding:14px 16px;font-size:1rem;border-radius:0 8px 8px 0;margin:18px 0}.result-empty{border-style:dashed;border-color:var(--line);box-shadow:none;color:var(--muted)}.sticky{position:-webkit-sticky;position:sticky;top:16px}@media (max-width:900px){.sticky{position:static}}.table-wrap{overflow-x:auto}table.data{width:100%;border-collapse:collapse;background:var(--white);font-size:1.1rem}table.data caption{text-align:left;font-size:1.35rem;padding:0 0 10px}table.data td,table.data th{padding:14px 16px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}table.data thead th{background:var(--ink);color:var(--white);font-weight:700}table.data td.num,table.data th.num{text-align:right;font-feature-settings:"tnum";font-variant-numeric:tabular-nums}table.data tbody th{font-weight:700}.agent{display:grid;grid-template-columns:140px 1fr;grid-gap:26px;gap:26px;align-items:center}.agent-bio{color:var(--ink-2);max-width:64ch;margin-bottom:18px}.agent-photo{width:140px;height:140px;border-radius:50%;object-fit:cover;background:var(--soft);display:grid;place-items:center;color:var(--action);font-size:2.4rem;font-weight:700;border:3px solid var(--white);box-shadow:var(--shadow)}@media (max-width:600px){.agent{grid-template-columns:1fr}.agent-photo{width:112px;height:112px}}.prose h2{margin-top:1.6em;font-size:1.9rem}.prose h3{margin-top:1.4em}.prose ol,.prose ul{padding-left:1.3em}.prose li{margin-bottom:.5em}.callout{background:var(--soft);border-radius:var(--radius);padding:22px 24px;margin:26px 0}details.faq{border-bottom:1px solid var(--line);padding:6px 0}details.faq summary{cursor:pointer;font-weight:700;padding:14px 0;min-height:48px;font-size:1.15rem}details.faq p{margin:0 0 16px;color:var(--ink-2)}.site-footer{background:var(--ink);color:#e4e0d9;padding:56px 0 40px;font-size:1.02rem}.site-footer a{color:var(--white)}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;grid-gap:32px;gap:32px;margin-bottom:36px}.footer-grid ul{list-style:none;margin:0;padding:0}.footer-grid li{margin-bottom:10px}.footer-grid h2{font-size:1.05rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:#cfcac2}.compliance{border-top:1px solid rgba(255,255,255,.15);padding-top:24px;font-size:1rem;color:#cfcac2}@media (max-width:800px){.footer-grid{grid-template-columns:1fr}}.assumptions{font-size:1rem}.assumptions ul{margin:8px 0 0;padding-left:1.2em;color:var(--ink-2)}.assumptions li{margin-bottom:2px}.flag{background:#fff4cc;color:#5a4300;padding:1px 6px;border-radius:4px;font-weight:700}.request-grid{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);grid-gap:32px;gap:32px;align-items:start}.request-aside{display:grid;grid-gap:18px;gap:18px}.request-aside h3{font-size:1.2rem;font-weight:700;margin-bottom:8px}.summary{background:var(--paper);border-radius:10px;padding:18px;border:1px solid var(--line)}.summary dl{margin:0 0 12px;display:grid;grid-gap:6px;gap:6px;font-size:1rem}.summary dt{font-weight:700;display:inline}.summary dt:after{content:": "}.summary dd{display:inline;margin:0}.explainer ul{padding-left:1.1em;margin:0 0 12px;font-size:1.02rem}.explainer li{margin-bottom:6px}@media (max-width:900px){.request-grid{grid-template-columns:1fr}}.annuity-disclosures{border:1px solid var(--line);border-radius:10px;padding:14px 18px;margin:18px 0;background:var(--white);font-size:1rem;color:var(--ink-2)}.annuity-disclosures .ad-title{font-weight:700;margin:0 0 6px;color:var(--ink)}.annuity-disclosures ul{margin:0;padding-left:1.2em}.annuity-disclosures li{margin-bottom:4px}.annuity-disclosures.on-dark{background:transparent;border-color:rgba(255,255,255,.2);color:#e4e0d9;margin:0 0 24px}.annuity-disclosures.on-dark .ad-title{color:var(--white)}.review{border-top:1px solid var(--line);margin-top:32px;padding-top:18px;font-size:1rem;color:var(--ink-2)}.review ol{padding-left:1.2em}.draft-banner{background:#fff4cc;color:#5a4300;padding:14px 18px;border-radius:10px;font-weight:700;margin-bottom:22px}@media print{.no-print,.page-head .lede,.site-footer,.site-header,details.faq,section[aria-labelledby=contact-module-h]{display:none!important}body{background:#fff;font-size:12pt}.page-head{background:#fff;color:#000;padding:0 0 12px}.page-head .accent{color:#000}.card{box-shadow:none;border:1px solid #999}.tool-grid{display:block}.sticky{position:static}}