/* SIP & Lumpsum calculator — deliberately scoped to this standalone tool. */
.sip-page{--sip-ink:#102338;--sip-muted:#64748b;--sip-line:#dfe8e8;--sip-surface:#fff;--sip-soft:#f3f8f7;--sip-green:#087f68;--sip-green-dark:#075e50;--sip-gold:#c18b2d;color:var(--sip-ink);background:linear-gradient(180deg,#f2f8f6 0,#f7fafc 430px,#f7fafc 100%);min-height:100vh;padding-bottom:68px}
.sip-wrap{width:min(1160px,calc(100% - 36px));margin-inline:auto}
.sip-topbar{display:flex;align-items:center;justify-content:space-between;gap:14px;padding:22px 0 16px}
.sip-back,.sip-saved-link{display:inline-flex;align-items:center;gap:9px;text-decoration:none;font-size:.9rem;font-weight:750;border:1px solid var(--sip-line);border-radius:12px;background:var(--sip-surface);padding:10px 14px;color:var(--sip-green-dark)}
.sip-top-actions{display:flex;align-items:center;gap:9px}
.sip-theme-toggle{border:1px solid var(--sip-line);background:var(--sip-surface);color:var(--sip-ink);border-radius:12px;width:42px;height:42px;display:grid;place-items:center;cursor:pointer}
.sip-hero{display:grid;grid-template-columns:minmax(0,1.3fr) minmax(270px,.7fr);align-items:center;gap:32px;padding:38px 0 32px}
.sip-eyebrow{display:inline-flex;align-items:center;gap:8px;color:var(--sip-green);font-weight:850;text-transform:uppercase;letter-spacing:.12em;font-size:.73rem}
.sip-hero h1{font-size:clamp(2.15rem,4.5vw,3.5rem);line-height:1.04;letter-spacing:-.055em;max-width:680px;margin:13px 0 16px;color:#102b3e}
.sip-hero p{max-width:680px;margin:0;color:#536678;font-size:1.04rem;line-height:1.75}
.sip-hero-note{display:flex;gap:10px;align-items:flex-start;margin-top:20px;color:#526577;font-size:.84rem;line-height:1.55}
.sip-hero-note i{color:var(--sip-green);margin-top:3px}
.sip-hero-card{padding:23px;border:1px solid rgba(255,255,255,.86);border-radius:22px;background:linear-gradient(145deg,#083c38,#087f68 74%,#159779);color:white;box-shadow:0 16px 38px rgba(6,95,79,.16);position:relative;overflow:hidden}
.sip-hero-card:after{content:"";position:absolute;width:180px;height:180px;border:1px solid rgba(255,255,255,.13);border-radius:50%;right:-60px;top:-67px;box-shadow:0 0 0 24px rgba(255,255,255,.035),0 0 0 48px rgba(255,255,255,.025)}
.sip-hero-card-label{font-size:.74rem;font-weight:800;letter-spacing:.09em;text-transform:uppercase;color:#bce9dc}
.sip-hero-card strong{display:block;margin:8px 0 7px;font-size:clamp(1.9rem,4vw,2.55rem);letter-spacing:-.05em;line-height:1.12}
.sip-hero-card p{color:#e0f5ed;font-size:.86rem;line-height:1.55;position:relative;z-index:1}
.sip-hero-card-bottom{display:flex;align-items:center;justify-content:space-between;gap:10px;margin-top:19px;padding-top:15px;border-top:1px solid rgba(255,255,255,.2);color:#e0f5ed;font-size:.8rem}
.sip-section-title{margin:0 0 7px;font-size:1.27rem;letter-spacing:-.025em;color:var(--sip-ink)}
.sip-section-copy{margin:0;color:var(--sip-muted);font-size:.9rem;line-height:1.6}
.sip-workspace{display:grid;grid-template-columns:minmax(320px,.84fr) minmax(0,1.16fr);gap:20px;align-items:start}
.sip-panel{min-width:0;background:var(--sip-surface);border:1px solid var(--sip-line);border-radius:20px;box-shadow:0 8px 26px rgba(17,45,59,.045);overflow:hidden}
.sip-panel-head{padding:23px 24px 18px;border-bottom:1px solid var(--sip-line)}
.sip-panel-body{padding:23px 24px}
.sip-mode-switch{display:grid;grid-template-columns:1fr 1fr;gap:5px;padding:5px;background:var(--sip-soft);border:1px solid var(--sip-line);border-radius:13px;margin:20px 0 22px}
.sip-mode-switch button{border:0;background:transparent;color:#526577;padding:11px 10px;border-radius:9px;font-weight:800;cursor:pointer;display:flex;align-items:center;justify-content:center;gap:8px;font-size:.88rem}
.sip-mode-switch button[aria-pressed="true"]{background:var(--sip-surface);color:var(--sip-green-dark);box-shadow:0 2px 9px rgba(16,35,56,.09)}
.sip-fields{display:grid;grid-template-columns:1fr 1fr;gap:17px}
.sip-field{min-width:0;display:flex;flex-direction:column;gap:7px}
.sip-field-full{grid-column:1/-1}
.sip-field label,.sip-field-label{font-size:.83rem;font-weight:800;color:var(--sip-ink)}
.sip-field small{font-size:.75rem;line-height:1.45;color:var(--sip-muted)}
.sip-input-wrap{display:flex;align-items:center;border:1px solid #ccd9dc;border-radius:11px;background:var(--sip-surface);min-width:0;transition:border-color .15s,box-shadow .15s}
.sip-input-wrap:focus-within{border-color:var(--sip-green);box-shadow:0 0 0 3px rgba(8,127,104,.12)}
.sip-input-prefix{padding-left:12px;color:#718394;font-weight:800;white-space:nowrap}
.sip-input-wrap input{min-width:0;width:100%;border:0;outline:0;background:transparent;color:var(--sip-ink);padding:12px 12px 12px 8px;font-weight:750;font-variant-numeric:tabular-nums}
.sip-input-wrap .sip-input-suffix{padding-right:12px;color:#718394;font-weight:750;white-space:nowrap}
.sip-field select{width:100%;border:1px solid #ccd9dc;border-radius:11px;background:var(--sip-surface);color:var(--sip-ink);padding:12px;font-weight:750;min-height:46px}
.sip-duration-row{display:flex;align-items:center;gap:10px}
.sip-duration-row input[type=range]{flex:1;min-width:0;accent-color:var(--sip-green)}
.sip-duration-row .sip-input-wrap{width:112px;flex-shrink:0}
.sip-form-error{color:#b42318;background:#fff1f0;border:1px solid #ffd2cd;padding:10px 12px;border-radius:10px;font-size:.82rem;margin:16px 0 0}
.sip-form-error[hidden]{display:none}
.sip-actions{display:flex;gap:10px;margin-top:21px}
.sip-primary,.sip-secondary{display:inline-flex;align-items:center;justify-content:center;gap:9px;border-radius:11px;padding:12px 16px;font-size:.88rem;font-weight:850;cursor:pointer;transition:transform .15s,background .15s;border:1px solid transparent}
.sip-primary{background:var(--sip-green);color:#fff;flex:1}
.sip-primary:hover{background:var(--sip-green-dark);transform:translateY(-1px)}
.sip-secondary{background:var(--sip-surface);border-color:var(--sip-line);color:var(--sip-ink)}
.sip-helper-note{font-size:.76rem;color:var(--sip-muted);line-height:1.6;margin:15px 0 0}
.sip-results{display:flex;flex-direction:column;gap:16px}
.sip-result-hero{border-radius:20px;background:linear-gradient(130deg,#082f49,#125e69);padding:24px;color:#fff;position:relative;overflow:hidden}
.sip-result-hero:after{content:"";position:absolute;right:-45px;bottom:-105px;width:220px;height:220px;border:1px solid rgba(255,255,255,.12);border-radius:50%;box-shadow:0 0 0 22px rgba(255,255,255,.025),0 0 0 45px rgba(255,255,255,.025);pointer-events:none}
.sip-result-label{display:flex;align-items:center;gap:8px;color:#c7e8e8;font-size:.83rem;font-weight:750}
.sip-result-total{display:block;font-size:clamp(2rem,4vw,3rem);letter-spacing:-.055em;line-height:1.15;margin:10px 0 8px;font-variant-numeric:tabular-nums;overflow-wrap:anywhere}
.sip-result-subtitle{color:#d5e8ec;font-size:.83rem;line-height:1.55}
.sip-result-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;margin-top:20px;position:relative;z-index:1}
.sip-result-metric{padding:13px 14px;border:1px solid rgba(255,255,255,.15);border-radius:12px;background:rgba(255,255,255,.07);min-width:0}
.sip-result-metric span{display:block;font-size:.75rem;color:#d2e4e8;margin-bottom:5px}
.sip-result-metric strong{display:block;font-size:1.15rem;letter-spacing:-.02em;font-variant-numeric:tabular-nums;overflow-wrap:anywhere}
.sip-growth-chip{display:inline-flex;align-items:center;gap:7px;margin-top:13px;padding:7px 10px;background:rgba(180,243,220,.12);border:1px solid rgba(180,243,220,.22);border-radius:99px;color:#c4f4dc;font-size:.77rem;font-weight:800}
.sip-chart-panel{padding:19px 20px 16px}
.sip-chart-head{display:flex;justify-content:space-between;align-items:flex-start;gap:12px;margin-bottom:13px}
.sip-chart-head h3{font-size:1rem;margin:0;color:var(--sip-ink)}
.sip-chart-head p{font-size:.77rem;margin:5px 0 0;color:var(--sip-muted)}
.sip-chart-legend{display:flex;gap:12px;flex-wrap:wrap;justify-content:flex-end;font-size:.72rem;color:var(--sip-muted)}
.sip-legend-item{display:inline-flex;align-items:center;gap:6px;white-space:nowrap}
.sip-legend-dot{width:8px;height:8px;border-radius:50%;background:#07846e}
.sip-legend-dot.paid{background:#d4a44c}
.sip-chart-wrap{height:245px;position:relative}
.sip-chart-wrap canvas{width:100%!important;height:100%!important}
.sip-chart-fallback{font-size:.8rem;color:var(--sip-muted);padding:20px 8px}
.sip-detail-panel{padding:20px}
.sip-detail-head{display:flex;justify-content:space-between;align-items:flex-start;gap:12px;flex-wrap:wrap;margin-bottom:14px}
.sip-detail-head h3{margin:0;font-size:1rem;color:var(--sip-ink)}
.sip-detail-head p{margin:5px 0 0;color:var(--sip-muted);font-size:.77rem}
.sip-table-wrap{overflow:auto;max-height:390px;border:1px solid var(--sip-line);border-radius:12px}
.sip-table{width:100%;border-collapse:collapse;min-width:520px;font-variant-numeric:tabular-nums}
.sip-table th{position:sticky;top:0;z-index:1;background:var(--sip-soft);color:#506477;font-size:.73rem;text-align:right;padding:12px 13px;border-bottom:1px solid var(--sip-line);white-space:nowrap}
.sip-table th:first-child,.sip-table td:first-child{text-align:left}
.sip-table td{padding:11px 13px;border-bottom:1px solid var(--sip-line);font-size:.8rem;text-align:right;color:#32495b;white-space:nowrap}
.sip-table tr:last-child td{border-bottom:0}
.sip-table td:last-child{font-weight:850;color:var(--sip-green-dark)}
.sip-table tfoot td{background:var(--sip-soft);font-weight:850;border-top:1px solid var(--sip-line)}
.sip-save-panel{padding:20px}
.sip-save-head{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-bottom:8px}
.sip-save-head h3{font-size:1rem;margin:0;color:var(--sip-ink)}
.sip-save-count{font-size:.75rem;font-weight:850;color:var(--sip-green-dark);background:#e5f6ef;border-radius:99px;padding:6px 9px;white-space:nowrap}
.sip-save-copy{font-size:.8rem;color:var(--sip-muted);line-height:1.6;margin:0 0 13px}
.sip-saved-preview{display:grid;gap:8px}
.sip-saved-empty{padding:14px;border:1px dashed var(--sip-line);border-radius:12px;font-size:.8rem;color:var(--sip-muted);line-height:1.55}
.sip-saved-row{display:flex;justify-content:space-between;align-items:center;gap:10px;padding:12px;border:1px solid var(--sip-line);border-radius:12px}
.sip-saved-row strong{display:block;color:var(--sip-ink);font-size:.83rem}
.sip-saved-row span{display:block;margin-top:4px;color:var(--sip-muted);font-size:.75rem}
.sip-saved-row button{flex-shrink:0;border:0;background:transparent;color:#b42318;font-size:.78rem;font-weight:800;cursor:pointer;padding:7px}
.sip-storage-note{font-size:.72rem;color:var(--sip-muted);line-height:1.5;margin:12px 0 0}
.sip-faq{margin-top:30px;padding:25px;border-radius:18px;border:1px solid var(--sip-line);background:var(--sip-surface)}
.sip-faq h2{margin:0 0 15px;font-size:1.35rem;letter-spacing:-.03em;color:var(--sip-ink)}
.sip-faq-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px 26px}
.sip-faq h3{margin:0 0 6px;font-size:.9rem;color:var(--sip-ink)}
.sip-faq p{margin:0;color:var(--sip-muted);font-size:.83rem;line-height:1.7}
.sip-disclaimer{margin-top:18px;color:var(--sip-muted);font-size:.77rem;line-height:1.7}
.sip-footer{text-align:center;color:var(--sip-muted);font-size:.76rem;padding:26px 0 0}
.sip-page button:focus-visible,.sip-page input:focus-visible,.sip-page select:focus-visible,.sip-page a:focus-visible{outline:3px solid #25a78d;outline-offset:3px}
html.dark-mode .sip-page{--sip-ink:#edf5fb;--sip-muted:#a7b8c9;--sip-line:#2a4052;--sip-surface:#101e2c;--sip-soft:#162838;--sip-green:#4ed0ac;--sip-green-dark:#7be2c2;background:linear-gradient(180deg,#0c1c28 0,#0a1320 440px,#0a1320 100%);color:var(--sip-ink)}
html.dark-mode .sip-hero h1,html.dark-mode .sip-section-title,html.dark-mode .sip-panel h2,html.dark-mode .sip-panel h3,html.dark-mode .sip-faq h2,html.dark-mode .sip-faq h3{color:#edf5fb}
html.dark-mode .sip-hero p,html.dark-mode .sip-hero-note{color:#b5c5d3}
html.dark-mode .sip-back,html.dark-mode .sip-saved-link,html.dark-mode .sip-theme-toggle,html.dark-mode .sip-panel,html.dark-mode .sip-faq{background:var(--sip-surface);border-color:var(--sip-line);color:var(--sip-ink)}
html.dark-mode .sip-mode-switch,html.dark-mode .sip-input-wrap,html.dark-mode .sip-field select{background:#0b1723;border-color:var(--sip-line);color:#edf5fb}
html.dark-mode .sip-mode-switch button{color:#b7c6d2}
html.dark-mode .sip-mode-switch button[aria-pressed="true"]{background:#1b3242;color:#8de4cc}
html.dark-mode .sip-input-wrap input,html.dark-mode .sip-field select{color:#edf5fb}
html.dark-mode .sip-input-prefix,html.dark-mode .sip-input-wrap .sip-input-suffix{color:#b0c0cf}
html.dark-mode .sip-table th,html.dark-mode .sip-table tfoot td{background:#172b3b;color:#d6e2ec}
html.dark-mode .sip-table td{color:#c4d2de}
html.dark-mode .sip-table td:last-child{color:#7be2c2}
html.dark-mode .sip-saved-row{border-color:var(--sip-line)}
html.dark-mode .sip-save-count{background:#183c36;color:#8de4cc}
html.dark-mode .sip-form-error{background:#3a1c22;border-color:#76343e;color:#ffb4b4}
html.dark-mode .sip-result-hero{background:linear-gradient(130deg,#09273d,#124f5b)}
@media(max-width:900px){.sip-hero{grid-template-columns:1fr .72fr;gap:20px}.sip-workspace{grid-template-columns:minmax(0,1fr)}.sip-form-panel{order:0}.sip-results{display:grid;grid-template-columns:1fr 1fr;align-items:start}.sip-result-hero{grid-column:1/-1}.sip-chart-panel{min-width:0}.sip-detail-panel,.sip-save-panel{grid-column:1/-1}}
@media(max-width:600px){.sip-wrap{width:min(100% - 28px,1160px)}.sip-topbar{padding:15px 0 6px;align-items:flex-start}.sip-back,.sip-saved-link{font-size:.78rem;padding:10px 11px}.sip-top-actions{gap:6px}.sip-theme-toggle{width:39px;height:39px}.sip-hero{display:flex;flex-direction:column;align-items:stretch;padding:31px 0 23px;gap:18px}.sip-hero h1{font-size:clamp(2.05rem,10vw,2.8rem)}.sip-hero p{font-size:.93rem}.sip-hero-card{padding:19px}.sip-workspace{gap:14px}.sip-panel-head{padding:19px 18px 15px}.sip-panel-body{padding:18px}.sip-fields{gap:14px}.sip-field-full{grid-column:1/-1}.sip-actions{flex-direction:column}.sip-primary,.sip-secondary{width:100%}.sip-results{display:flex;gap:12px}.sip-result-hero{padding:20px}.sip-result-total{font-size:2.2rem}.sip-chart-panel,.sip-detail-panel,.sip-save-panel{padding:17px}.sip-chart-head{flex-direction:column}.sip-chart-legend{justify-content:flex-start}.sip-chart-wrap{height:220px}.sip-faq{padding:19px}.sip-faq-grid{grid-template-columns:1fr;gap:17px}.sip-result-grid{gap:8px}.sip-result-metric{padding:11px}.sip-result-metric strong{font-size:1rem}.sip-saved-row{align-items:flex-start}.sip-topbar .sip-saved-link span{display:none}}
@media(prefers-reduced-motion:reduce){.sip-page *{scroll-behavior:auto!important;transition:none!important}}

@media print{
  body{background:#fff!important}
  .sip-page{background:#fff!important;padding-bottom:0!important;color:#142b3d!important}
  .sip-topbar,.sip-hero-card,.sip-form-panel,.sip-save-panel,.sip-faq,.sip-footer,.sip-actions,#sip-export-csv,#sip-print-report{display:none!important}
  .sip-wrap{width:100%!important}
  .sip-hero{display:block;padding:8px 0 18px}
  .sip-hero h1{font-size:25pt;color:#102b3e!important}
  .sip-hero p,.sip-hero-note{color:#455b6b!important}
  .sip-workspace{display:block}
  .sip-results{display:block}
  .sip-result-hero{break-inside:avoid;background:#124b59!important;print-color-adjust:exact;-webkit-print-color-adjust:exact}
  .sip-chart-panel{margin-top:12px}
  .sip-panel{box-shadow:none;border-color:#d5dddd}
  .sip-detail-panel{break-before:page;margin-top:0!important}
  .sip-table-wrap{max-height:none;overflow:visible}
  .sip-table{min-width:0}
  .sip-table th{position:static}
  .sip-table th,.sip-table td{font-size:9pt;padding:6px}
}

.sip-saved-actions{display:flex;align-items:center;gap:4px;flex-shrink:0}
.sip-saved-row .sip-saved-load{color:var(--sip-green-dark);background:var(--sip-soft);border:1px solid var(--sip-line);border-radius:9px;padding:7px 10px}
.sip-saved-row .sip-saved-remove{color:#b42318;background:transparent}
html.dark-mode .sip-saved-row .sip-saved-load{color:#8de4cc;background:#17342f;border-color:#31574f}
@media(max-width:420px){.sip-saved-actions{flex-direction:column;align-items:stretch}.sip-saved-row .sip-saved-load,.sip-saved-row .sip-saved-remove{padding:6px 8px}}

.sip-chart-tools{display:flex;gap:5px;flex-wrap:wrap;padding:5px;margin:0 0 12px;background:var(--sip-soft);border:1px solid var(--sip-line);border-radius:12px}
.sip-chart-tools button{display:inline-flex;align-items:center;justify-content:center;gap:7px;border:1px solid transparent;border-radius:8px;background:transparent;color:var(--sip-muted);padding:8px 11px;font-size:.78rem;font-weight:800;cursor:pointer}
.sip-chart-tools button:hover{color:var(--sip-green-dark);background:var(--sip-surface)}
.sip-chart-tools button.is-active,.sip-chart-tools button[aria-pressed="true"]{background:var(--sip-surface);border-color:var(--sip-line);color:var(--sip-green-dark);box-shadow:0 2px 6px rgba(16,35,56,.06)}
.sip-candle-note{margin:10px 0 0;padding:10px 12px;border-radius:10px;background:var(--sip-soft);color:var(--sip-muted);font-size:.75rem;line-height:1.6}.sip-candle-note[hidden]{display:none}
html.dark-mode .sip-chart-tools{background:var(--sip-soft);border-color:var(--sip-line)}html.dark-mode .sip-chart-tools button{color:var(--sip-muted)}
html.dark-mode .sip-chart-tools button.is-active,html.dark-mode .sip-chart-tools button[aria-pressed="true"]{background:#1b3242;border-color:#355165;color:#8de4cc}
@media(max-width:600px){.sip-chart-tools{display:grid;grid-template-columns:repeat(3,minmax(0,1fr))}.sip-chart-tools button{padding:9px 5px;gap:5px;font-size:.75rem}}