:root{--primary:#006875;--primary-dark:#044b53;--secondary:#018c9a;--ice:#dff3f4;--bg:#f7fbfb;--white:#fff;--text:#1f2d33;--muted:#485964;--line:#d4e3e4;--alert:#8b3f27;--alert-bg:#fff3ea;--ok:#1e634a;--ok-bg:#e9f6ef;--radius:18px;--shadow:0 18px 55px rgba(0,104,117,.12)}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:94px}body{margin:0;background:#fff;color:var(--text);font:16px/1.55 "Futura PT Book",Arial,Helvetica,sans-serif}button,input,textarea,select{font:inherit}a{color:var(--primary)}button{cursor:pointer}button:disabled{opacity:.46;cursor:not-allowed}a:focus-visible,button:focus-visible,input:focus-visible,textarea:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid #5e92cb;outline-offset:3px}.wrap{max-width:1180px;margin:auto;padding-left:26px;padding-right:26px}.skip{position:absolute;top:-50px;left:10px;z-index:99;padding:12px;background:white}.skip:focus{top:8px}.site-header{position:sticky;top:0;z-index:40;background:#fff;border-bottom:1px solid #e8ecf2}.header-wrap{display:flex;align-items:center;justify-content:space-between;min-height:89px;gap:18px}.brand{display:flex;align-items:center;text-decoration:none;color:var(--primary);gap:16px}.brand-logo{width:68px;height:65px;display:grid;place-items:center;flex-shrink:0;background:#fff}.brand-logo img{width:62px;height:auto;max-height:61px;object-fit:contain}.brand-text strong{font-family:"Malgun Gothic",Arial,Helvetica,sans-serif;font-size:18px;letter-spacing:.025em;display:block;line-height:1.22}.brand-text strong span{color:var(--secondary)}.brand-text small{font-size:12px;color:var(--muted);letter-spacing:.04em}.nav{display:flex;align-items:center;gap:39px}.nav a{font-size:14px;font-weight:bold;text-decoration:none;color:var(--text)}.nav a:hover{color:var(--primary)}.menu-toggle,.mobile-nav{display:none}.hero{background:linear-gradient(120deg,#f8fbfc 7%,#edf6f7 62%,#dfeef0 100%);overflow:hidden}.hero-grid{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(360px,.9fr);align-items:center;gap:58px;padding-top:87px;padding-bottom:96px}.eyebrow,.section-kicker{font-weight:800;font-size:11px;letter-spacing:.15em;color:var(--primary)}.eyebrow{display:flex;gap:10px;align-items:center}.dot{width:8px;height:8px;border-radius:50%;background:#8195A1}.hero-divider{height:13px;width:1px;background:#abb8c7;margin:0 5px}.hero h1{font-family:"Malgun Gothic",Arial,Helvetica,sans-serif;font-size:clamp(38px,4.6vw,63px);letter-spacing:-.047em;line-height:1.13;color:var(--primary);margin:26px 0}.hero h1 span{color:#8195A1}.hero-lead{font-size:17px;color:#425560;max-width:570px;line-height:1.8}.hero-actions{display:flex;flex-wrap:wrap;gap:13px;margin-top:34px}.btn{display:inline-flex;align-items:center;justify-content:center;gap:12px;min-height:49px;border:1px solid transparent;border-radius:11px;padding:12px 21px;font-size:14px;font-weight:700;text-decoration:none;transition:transform .2s,background .2s,box-shadow .2s}.btn:hover:not(:disabled){transform:translateY(-1px)}.btn-primary{background:var(--primary);color:white;box-shadow:0 8px 22px rgba(38,46,97,.18)}.btn-primary:hover{background:#38447f}.btn-light{background:white;color:var(--primary);border-color:#bfd6d9}.btn-quiet{background:transparent;color:var(--muted);border-color:var(--line)}.btn-outline{background:#fff;color:var(--primary);border:1px solid #b8c5d4}.btn-danger{color:#964a38;border-color:#f0cac2;background:#fff}.hero-notes{display:flex;flex-wrap:wrap;gap:21px;margin-top:30px;font-size:12px;color:#576779}.note-circle{display:inline-grid;width:19px;height:19px;border-radius:50%;place-items:center;color:#326958;background:#dcefe7;margin-right:5px;font-size:12px}.hero-preview{background:#fff;padding:31px;border:1px solid #dde7e8;border-radius:22px;box-shadow:0 28px 80px rgba(0,74,84,.15);transform:rotate(2deg)}.preview-top{display:flex;align-items:center;justify-content:space-between;border-bottom:1px solid #e6ecf2;padding-bottom:20px}.preview-head{font-size:11px;letter-spacing:.13em;font-weight:bold;color:#d8fbff}.preview-year{color:#064850;border-radius:7px;background:#f0fbfb;font-weight:bold;font-size:12px;padding:6px 10px}.preview-title{font-size:23px;color:#ffffff;font-weight:800;margin:22px 0}.preview-rate{display:grid;grid-template-columns:1fr 1fr;gap:14px}.preview-rate>div{border:1px solid rgba(255,255,255,.42);border-radius:14px;padding:22px 16px}.preview-rate>div:nth-child(2){background:#ffffff;border-color:#dceaf4}.preview-rate span{display:block;font-size:10px;color:rgba(255,255,255,.88);letter-spacing:.07em;font-weight:bold}.preview-rate strong{display:block;margin:15px 0 0;font-size:43px;color:#ffffff;line-height:1}.preview-rate strong small{font-size:14px}.preview-rate p{margin:12px 0 0;color:rgba(255,255,255,.84);font-size:11px}.preview-bottom{border-top:1px solid rgba(255,255,255,.34);margin-top:26px;padding-top:23px;display:flex;justify-content:space-between;gap:12px;color:#ffffff;font-weight:700;font-size:13px}.preview-bottom small{color:rgba(255,255,255,.82);font-weight:400}.preview-graph{display:flex;align-items:end;gap:5px;height:45px}.preview-graph i{display:block;width:10px;height:30%;border-radius:3px 3px 0 0;background:rgba(255,255,255,.65)}.preview-graph i:nth-child(2){height:50%}.preview-graph i:nth-child(3){height:45%}.preview-graph i:nth-child(4){height:69%}.preview-graph i:nth-child(5){height:52%}.preview-graph i:nth-child(6){height:79%}.preview-graph i:nth-child(7){height:67%}.preview-graph i:nth-child(8){height:100%;background:#173d8f}.preview-graph i:nth-child(9){height:82%}.preview-graph i:nth-child(10){height:100%;background:#173d8f}.intro-strip{display:grid;grid-template-columns:repeat(3,1fr);gap:23px;padding-top:31px;padding-bottom:31px;border-bottom:1px solid var(--line)}.intro-strip>div{border-left:3px solid #8fb3b7;padding-left:17px}.intro-strip strong,.intro-strip span{display:block}.intro-strip strong{color:var(--primary);font-size:13px}.intro-strip span{color:var(--muted);font-size:12px;margin-top:4px}.section{padding-top:88px;padding-bottom:88px}.section-heading{display:flex;align-items:flex-end;justify-content:space-between;gap:25px;margin-bottom:37px}.section-heading h2{font-family:"Malgun Gothic",Arial,Helvetica,sans-serif;color:var(--primary);letter-spacing:-.03em;font-size:clamp(29px,3.1vw,40px);margin:7px 0 9px}.section-heading p{margin:0;color:#50606a;max-width:640px}.section-heading .section-kicker{color:var(--secondary)}.app-grid{display:grid;grid-template-columns:minmax(0,1fr) 313px;gap:25px;align-items:start}.wizard-panel{background:white;border:1px solid #e5eaf1;box-shadow:var(--shadow);border-radius:var(--radius);overflow:hidden}.steps{display:grid;grid-template-columns:repeat(6,minmax(0,1fr));padding:24px 22px;gap:7px;background:#fcfdff;border-bottom:1px solid var(--line)}.step-button{border:0;background:none;padding:0;text-align:center;color:#98a5b3;min-width:0}.step-number{margin:auto auto 5px;width:28px;height:28px;display:grid;place-items:center;font-size:11px;border-radius:50%;background:#e8edf3;color:#7d8b9e;font-weight:bold}.step-button.active .step-number{background:var(--primary);color:white}.step-button.visited .step-number{background:#dce9e7;color:#2c7664}.step-button.active{color:var(--primary);font-weight:bold}.step-label{display:block;font-size:10px;line-height:1.25}.step-content{padding:35px 35px 17px;min-height:280px}.step-content h3{font-size:25px;color:var(--primary);line-height:1.22;margin:0 0 9px;letter-spacing:-.02em}.step-lead{color:var(--muted);font-size:14px;margin:0 0 24px}.choice-grid{display:grid;grid-template-columns:1fr 1fr;gap:13px;margin:27px 0}.choice-card{display:block;text-align:left;border:2px solid #e5ebf2;border-radius:15px;padding:23px;background:#fff;color:inherit}.choice-card.selected{background:#f2f5fa;border-color:var(--primary)}.choice-card:hover{border-color:#8195a1}.choice-badge{display:inline-block;font-size:10px;letter-spacing:.07em;color:var(--muted);font-weight:800;margin-bottom:12px}.choice-card h4{font-size:17px;color:var(--primary);margin:0 0 8px}.choice-card .amount{font-size:31px;color:var(--primary);font-weight:800;display:block}.choice-card .amount small{font-size:13px;font-weight:normal}.choice-card p{font-size:12px;color:var(--muted);margin:11px 0 0}.wizard-actions{display:flex;justify-content:space-between;gap:12px;padding:18px 35px 29px}.hint,.notice{border-radius:12px;padding:14px 16px;font-size:13px;line-height:1.55;margin:17px 0}.hint{background:#f0f6fa;border:1px solid #d6e8f0;color:#455c70}.notice-warning{background:var(--alert-bg);border:1px solid #f5dfca;color:#86442c}.notice-success{background:var(--ok-bg);border:1px solid #cce8da;color:var(--ok)}.notice strong{display:block}.field{margin:16px 0}.field label,.field-label{display:block;font-weight:700;font-size:13px;color:#394961;margin-bottom:7px}.field small{color:var(--muted);font-size:12px;display:block;margin-top:6px}.field input,.field textarea,.field select,.faq-search{display:block;width:100%;background:white;color:var(--text);border-radius:10px;border:1px solid #cdd8e5;padding:12px 14px;min-height:46px}.field textarea{min-height:90px;resize:vertical}.field input:focus,.field textarea:focus,.field select:focus{border-color:var(--primary)}.field-grid{display:grid;grid-template-columns:1fr 1fr;gap:0 15px}.field-grid.three{grid-template-columns:repeat(3,1fr)}.input-large{max-width:400px;font-size:27px!important;padding:15px!important;font-weight:700;color:var(--primary)!important}.mini-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:23px 0}.mini-stat{border:1px solid var(--line);border-radius:12px;padding:16px}.mini-stat strong{display:block;color:var(--primary);font-size:22px}.mini-stat span{color:var(--muted);font-size:11px}.summary-sticky{position:sticky;top:115px;background:var(--primary);color:white;border-radius:var(--radius);padding:26px;box-shadow:var(--shadow)}.summary-sticky h3{font-size:18px;margin:0 0 22px}.summary-label{font-size:11px;color:#c9d3e3;letter-spacing:.04em}.summary-main{font-size:35px;font-weight:800;line-height:1.2;margin-top:5px}.summary-divider{height:1px;background:rgba(255,255,255,.18);margin:23px 0}.summary-line{display:flex;justify-content:space-between;gap:10px;font-size:12px;margin:13px 0}.summary-line strong{text-align:right}.bar{height:6px;border-radius:99px;background:#65739f;overflow:hidden;margin:18px 0 7px}.bar-inner{height:100%;border-radius:99px;background:#bfd9e8;transition:width .3s}.summary-status{padding:12px;border-radius:9px;background:rgba(255,255,255,.12);font-size:11px;margin-top:19px}.summary-source{font-size:10px;color:#b6c5dd;margin-top:20px}.summary-source a{color:white}.months-top{display:grid;grid-template-columns:1fr auto;align-items:end;gap:13px;margin-bottom:17px}.month-card{margin:13px 0;padding:17px;border-radius:13px;border:1px solid var(--line);background:#fff}.month-card.active{border-color:#7183ad;background:#fbfcff}.month-card-head{display:flex;justify-content:space-between;align-items:center;gap:10px}.month-card h4{color:var(--primary);margin:0;font-size:16px}.month-card-body{display:flex;flex-wrap:wrap;gap:20px;margin-top:13px;color:var(--muted);font-size:12px}.month-card-body strong{display:block;color:var(--primary);font-size:15px}.month-actions{display:flex;align-items:center;gap:10px;margin-top:14px;flex-wrap:wrap}.btn-small{border:1px solid var(--line);color:var(--primary);border-radius:9px;font-size:12px;padding:8px 11px;background:white;font-weight:bold}.btn-small:hover{background:#f2f5fa}.calendar-wrap{border-radius:13px;background:#f8fafc;border:1px solid var(--line);padding:15px;margin:22px 0}.calendar-head{display:flex;align-items:center;justify-content:space-between;color:var(--primary);font-weight:800;margin-bottom:15px}.calendar{display:grid;grid-template-columns:repeat(7,1fr);gap:5px}.calendar-weekday{font-weight:bold;color:#7c8b9d;font-size:11px;text-align:center;padding:7px 0}.calendar-day{min-height:40px;border:1px solid #e2e9f2;border-radius:8px;background:#fff;color:var(--primary);font-size:12px;position:relative}.calendar-day.selected{background:#e2eef5;border-color:#60769e;font-weight:bold}.calendar-day.editing{outline:2px solid var(--primary)}.calendar-day.future{color:#9caabc;background:#f5f6f9}.calendar-day:disabled{opacity:1;cursor:default}.day-indicator{position:absolute;bottom:3px;left:50%;transform:translateX(-50%);width:5px;height:5px;border-radius:50%;background:var(--primary)}.editor{padding:19px;border-radius:13px;background:#f3f7fb;border:1px solid #d7e4ef}.editor h4{color:var(--primary);margin:0 0 13px}.editor .field{margin:11px 0}.editor-actions{display:flex;gap:9px;justify-content:flex-end;margin-top:18px}.mini-list{margin-top:14px}.day-row{display:grid;grid-template-columns:85px minmax(0,1fr) 85px auto;align-items:center;gap:10px;border-bottom:1px solid var(--line);padding:10px 2px;font-size:11px}.day-row span:first-child{font-weight:bold}.day-row strong{color:var(--primary)}.pill{font-size:10px;background:#e6edf4;border-radius:20px;padding:3px 8px;white-space:nowrap;color:var(--primary)}.prior-row{background:#fafcff;border:1px solid var(--line);padding:15px;margin:12px 0;border-radius:12px}.fieldset{border:0;padding:0;margin:23px 0}.fieldset legend{font-weight:bold;color:var(--primary);padding:0}.radio-row{display:flex;flex-wrap:wrap;gap:15px;margin:12px 0}.radio-row label{cursor:pointer;font-size:14px;display:flex;gap:8px;align-items:center}.checkline{display:flex;gap:12px;padding:15px 0;border-bottom:1px solid var(--line);align-items:flex-start;font-size:13px;cursor:pointer}.checkline input{width:18px;height:18px;flex:0 0 auto;accent-color:var(--primary);margin:1px 0 0}.subheading{font-size:17px;color:var(--primary);margin:29px 0 10px}.muted{color:var(--muted)}.validation-list{margin:6px 0 12px;padding-left:21px;font-size:12px}.validation-list li{margin:6px 0}.validation-list.errors{color:#8b392b}.validation-list.warnings{color:#755728}.state-tag{display:inline-block;border-radius:999px;color:#71482d;background:#fff2e4;padding:5px 10px;font-size:11px;font-weight:bold}.state-tag.ready{background:var(--ok-bg);color:var(--ok)}.big-success{padding:23px;border:1px solid #d7e6d9;border-radius:15px;background:#f6faf8}.big-success h4{margin:0;color:#255842}.info-section{background:var(--bg)}.info-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.info-card{background:white;border-radius:14px;border:1px solid var(--line);padding:28px;min-height:265px;display:flex;flex-direction:column;align-items:start}.info-no{font-size:12px;color:var(--secondary);font-weight:800}.info-card h3{font-size:18px;color:var(--primary);line-height:1.35;margin:15px 0 10px}.info-card p{font-size:13px;line-height:1.75;color:#4f6070;flex:1}.info-card a{font-size:12px;font-weight:bold;text-decoration:none}.process{display:flex;justify-content:space-around;align-items:center;gap:14px;margin-top:39px;padding:25px 10px;border-top:1px solid var(--line)}.process>div{display:flex;align-items:center;flex-direction:column;text-align:center}.process .circle{display:grid;place-items:center;background:#e1ebf4;width:34px;height:34px;border-radius:50%;font-size:12px;color:var(--primary);font-weight:bold}.process strong{font-size:13px;color:var(--primary);margin:9px 0 3px}.process small{font-size:11px;color:var(--muted)}.process-arrow{color:#9cb2c6;font-size:24px}.faq-search-label{display:block;color:var(--primary);font-weight:bold;font-size:13px;margin-bottom:8px}.faq-search{max-width:650px;margin-bottom:25px}.faq-item{border-bottom:1px solid var(--line)}.faq-item summary{list-style:none;cursor:pointer;padding:20px 15px 20px 0;color:var(--primary);font-weight:bold;display:flex;align-items:center;justify-content:space-between;gap:20px}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary::after{content:'+';color:var(--secondary);font-size:22px;font-weight:normal}.faq-item[open] summary::after{content:'−'}.faq-answer{padding:0 35px 23px 0;color:var(--muted);font-size:13px;max-width:900px}.faq-answer a{white-space:nowrap}.footer{background:var(--primary-dark);color:white;padding:58px 0 20px}.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:40px}.footer-grid strong{font-size:12px;letter-spacing:.06em}.footer-grid p,.footer-grid a,.footer-grid span{display:block;color:#c3ccdc;font-size:12px;line-height:1.8}.footer-grid a{text-decoration:none;margin-top:10px}.footer-grid a:hover{text-decoration:underline}.footer-small{color:#93a5c2!important;font-size:11px!important;max-width:350px}.privacy{margin-top:27px;font-size:12px}.privacy summary{cursor:pointer;color:#cad8ee}.privacy a{color:white}.privacy p{max-width:960px;color:#c9d6e8}.copyright{border-top:1px solid #445072;margin-top:29px;padding-top:19px;color:#9caeca;font-size:11px}@media (max-width:1080px){.app-grid{grid-template-columns:minmax(0,1fr) 270px}.hero-grid{gap:25px}.hero-preview{padding:21px}.step-content{padding:25px 24px 10px}}@media (max-width:830px){.hero-grid{grid-template-columns:1fr;gap:35px;padding:61px 26px 70px}.hero-preview{transform:none;max-width:550px}.app-grid{grid-template-columns:1fr}.summary-panel{order:-1}.summary-sticky{position:static;padding:19px}.summary-divider{margin:12px 0}.summary-main{font-size:28px}.summary-line{display:inline-flex;min-width:45%;margin:7px 12px 7px 0}.info-grid{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1fr 1fr}.intro-strip{grid-template-columns:1fr 1fr}}@media (max-width:620px){.wrap{padding-left:17px;padding-right:17px}.header-wrap{min-height:70px}.brand-logo{height:58px;width:55px}.brand-logo img{width:53px}.brand-text strong{font-size:13px}.brand-text small{font-size:10px}.nav{display:none}.menu-toggle{display:block;background:#f2f6fa;border:1px solid #d5e0ea;border-radius:8px;color:var(--primary);padding:9px 13px;font-size:12px;font-weight:bold}.mobile-nav:not([hidden]){display:flex;flex-direction:column;gap:11px;padding-bottom:18px}.mobile-nav a{font-size:14px;font-weight:bold;text-decoration:none}.hero-grid{padding-top:50px;padding-bottom:60px}.hero h1{font-size:40px}.hero-lead{font-size:15px}.hero-preview{padding:18px}.preview-rate>div{padding:15px 11px}.preview-rate strong{font-size:34px}.hero-notes{gap:12px}.intro-strip{grid-template-columns:1fr;gap:17px;padding-top:22px;padding-bottom:22px}.section{padding-top:62px;padding-bottom:64px}.section-heading{align-items:start;flex-direction:column;gap:17px}.steps{padding:17px 9px;gap:1px}.step-number{width:25px;height:25px}.step-label{font-size:9px}.step-content{padding:26px 16px 10px}.step-content h3{font-size:22px}.wizard-actions{padding:17px 16px 23px}.choice-grid,.field-grid,.field-grid.three{grid-template-columns:1fr}.choice-card{padding:17px}.mini-stats{gap:7px}.mini-stat{padding:12px}.mini-stat strong{font-size:17px}.mini-stat span{font-size:9px}.months-top{grid-template-columns:1fr}.calendar-wrap{padding:9px}.calendar{gap:3px}.calendar-day{min-height:38px}.day-row{grid-template-columns:75px 1fr auto}.day-row .pill{display:none}.process{gap:4px}.process strong{font-size:11px}.process small{font-size:10px}.process-arrow{font-size:14px}.info-grid,.footer-grid{grid-template-columns:1fr}.info-card{min-height:auto}.summary-line{min-width:100%}.footer-grid{gap:30px}}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}

/* ForJu 2023 CI: exact brand colors for accents; darker functional teal for accessible buttons. */
.brand-logo{width:152px;height:65px}.brand-logo img{width:145px;max-height:64px}.brand-text strong{font-size:18px}.brand-text strong span{display:block;font-size:11px;letter-spacing:0}.brand-text small{font-size:11px}.hero-preview{background:linear-gradient(145deg,#005965 0%,#0190a0 100%)}.hero h1 span{color:#007582}.eyebrow .dot{background:#01acbd}.site-header{border-bottom-color:#cceced}.btn-primary{background:#005f6a}.btn-primary:hover{background:#044b53}.section-kicker,.info-no{color:#007582}.preview-year{color:#064850}.summary-panel{background:#00515b}.faq-item summary:hover{color:#007582}.month-card textarea{min-height:78px;width:100%;resize:vertical}.brand{gap:9px}@media(max-width:520px){.brand-logo{width:105px;height:54px}.brand-logo img{width:103px;max-height:45px}.brand-text strong{font-size:14px}.brand-text strong span{font-size:9px}}

.preview-rate>div:nth-child(2) span{color:#4b5d67;}
.preview-rate>div:nth-child(2) strong{color:#0b5e69;}
.preview-rate>div:nth-child(2) p{color:#52636d;}
