:root{color-scheme:light;--bg:#f6f8fc;--ink:#152033;--muted:#5e6d85;--blue:#1d4ed8;--line:#d8e0ed;--pale:#e7f0ff;--danger:#a62323;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:var(--bg);font-synthesis:none}*{box-sizing:border-box}body{margin:0}a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}button,input{font:inherit}button,a,input,summary{touch-action:manipulation}a:focus-visible,button:focus-visible,input:focus-visible,summary:focus-visible{outline:3px solid var(--blue);outline-offset:4px}button{cursor:pointer}button:disabled{cursor:not-allowed}.wrap{width:min(1280px,calc(100% - 144px));margin-inline:auto}.site-header{background:#fff;border-bottom:1px solid var(--line)}.nav{min-height:66px;display:flex;gap:32px;align-items:center}.brand{font-size:30px;letter-spacing:-1.2px;font-weight:800;color:var(--ink);line-height:1}.nav-links{display:flex;gap:30px;align-items:center;margin-inline-start:auto;font-size:14px}.nav-links>a{color:var(--muted);white-space:nowrap}.nav-links>a[aria-current=page]{color:var(--blue)}.button,.nav-links>.button{display:inline-flex;align-items:center;justify-content:center;gap:12px;background:var(--blue);border:1px solid var(--blue);border-radius:5px;color:#fff;padding:13px 23px;font-size:16px;line-height:1.25;font-weight:600;text-decoration:none;min-height:46px}.button:hover{background:#173fae;text-decoration:none}.button.secondary,.nav-links>.button{background:transparent;color:var(--blue)}.button.secondary:hover{background:var(--pale)}.nav-links>.button{min-height:40px;padding:9px 18px;font-size:14px}.arrow{width:19px;height:19px;flex-shrink:0;stroke:currentColor;stroke-width:1.7;fill:none;vertical-align:middle}[dir=rtl] .arrow{transform:scaleX(-1)}.skip{position:absolute;inset-block-start:-100px;inset-inline-start:12px;background:#fff;padding:12px;z-index:5}.skip:focus{top:12px}h1,h2,h3,p{margin:0}h1{font-size:60px;line-height:1.04;letter-spacing:-2.5px;font-weight:750}h2{font-size:28px;line-height:1.2;letter-spacing:-.7px}.hero{padding-block:54px 40px}.hero h1{max-width:700px}.hero .lead{max-width:780px;font-size:23px;line-height:1.35;color:var(--muted);margin-block:18px 22px}.guide-list{background:#fff;padding-block:32px 25px}.guide-grid{display:grid;grid-template-columns:1fr 1fr;column-gap:46px;row-gap:0}.guide-row{display:grid;grid-template-columns:72px 1fr;gap:20px;padding-block:25px 22px;border-bottom:1px solid var(--line);min-height:153px}.guide-row:nth-last-child(-n+2){border:0}.row-number{font-size:35px;font-weight:700;letter-spacing:-1px;color:#9daabe}.guide-row h2{font-size:23px;line-height:1.2;letter-spacing:-.7px}.guide-row p{font-size:17px;line-height:1.45;color:var(--muted);margin-block:6px 12px}.text-link{font-size:16px;font-weight:600;display:inline-flex;gap:10px;align-items:center}.cta-band{background:var(--pale);padding-block:23px}.cta-inner{display:flex;gap:28px;align-items:center;justify-content:space-between}.cta-inner p{color:var(--muted);font-size:17px;line-height:1.5;margin-block-start:4px}.site-footer{background:#fff;font-size:13px;color:var(--muted)}.footer-inner{min-height:59px;display:flex;gap:20px;align-items:center;justify-content:space-between}.footer-brand{font-size:20px;font-weight:800;color:var(--ink);letter-spacing:-.8px}.footer-links{display:flex;gap:16px}.footer-links a{color:var(--muted)}.calculator-main{padding-block:44px 22px}.calculator-main h1{font-size:47px;letter-spacing:-1.7px}.calculator-main>.lead{font-size:22px;color:var(--muted);line-height:1.4;margin-block:10px 28px}.calculator-grid{display:grid;grid-template-columns:1.1fr .95fr;gap:38px;align-items:start}.field{margin-block-end:20px}.field label{display:block;font-size:16px;font-weight:500;margin-block-end:7px}.input-wrap{position:relative}.input-wrap input{width:100%;height:47px;padding:11px 70px 11px 17px;background:#fff;border:1px solid #cbd6e7;border-radius:5px;font-size:20px;line-height:1.2;color:var(--ink);direction:ltr;text-align:left}.input-wrap span{position:absolute;right:15px;top:15px;color:var(--muted);font-size:14px;pointer-events:none}.input-wrap input[aria-invalid=true]{border-color:var(--danger)}.field-error{color:var(--danger);font-size:13px;line-height:1.4;margin-top:5px;display:block}.field-error:empty{display:none}.form-tools{display:flex;gap:16px;flex-wrap:wrap;margin-block:16px}.form-tools .button{min-width:145px}.example-button{border:0;padding:0;background:transparent;color:var(--blue);font-size:14px;text-decoration:underline}.small-note,.form-status{font-size:14px;line-height:1.55;color:var(--muted)}.form-status{margin-block:12px;min-height:22px}.privacy-note{margin-block-start:16px}.result-panel{background:#fff;border:1px solid var(--line);border-radius:6px;padding:33px 29px;min-height:572px}.result-panel h2{font-size:27px;margin-block:3px 26px}.result-amount{font-size:51px;line-height:1.15;font-weight:750;color:var(--blue);letter-spacing:-1.5px;direction:ltr;text-align:start;overflow-wrap:anywhere}.result-label{font-size:25px;color:var(--muted);margin-block:8px 34px}.result-breakdown{display:flex;gap:20px;justify-content:space-between;padding-block:25px;border-top:1px solid var(--line);font-size:16px;line-height:1.5;color:var(--muted)}.result-breakdown b{font-weight:400;color:var(--ink);white-space:nowrap;direction:ltr}.result-note{padding-block:22px;border-top:1px solid var(--line)}.empty-result{color:var(--muted);font-size:19px;line-height:1.6;min-height:122px;margin-block:30px}.shortfall .result-amount{color:var(--danger)}.annual-note{margin-top:18px}.calculator-cta{margin-block:22px;border-radius:6px;padding:28px 0}.calculator-cta .cta-inner{display:block}.calculator-cta .text-link{margin-top:14px;font-weight:400}.related-read{padding-block:0 20px;font-size:14px}.article-shell{max-width:1080px;margin:auto;background:#fff}.article-shell .wrap{width:calc(100% - 76px)}.article-shell .site-header .wrap{width:calc(100% - 62px)}.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 240px;gap:34px;padding-block:27px 16px;align-items:start}.article-content{font-family:Georgia,'Times New Roman',serif;font-size:18px;line-height:1.5;min-width:0}.breadcrumb{font-family:Arial,Helvetica,sans-serif;font-size:12px;color:var(--muted);margin-block:0 16px}.breadcrumb a{color:var(--muted)}.article-content h1{font-size:42px;letter-spacing:-1.25px;line-height:1.09;margin-block-end:12px}.article-lead{font-size:19px;color:var(--muted);line-height:1.5}.byline{font-size:14px;margin-block:10px 18px;color:#465671}.article-section{margin-block:22px}.article-section h2{font-size:26px;line-height:1.2;letter-spacing:-.4px;margin-bottom:8px}.article-section p+p{margin-top:12px}.article-section.ruled{border-top:1px solid var(--line);padding-top:19px}.article-content table{width:100%;border-collapse:collapse;font-size:16px;margin-block:12px}.article-content th,.article-content td{border:1px solid var(--line);padding:7px 11px;text-align:start}.article-content th{background:var(--bg)}.article-content td:last-child{direction:ltr;text-align:end}.article-content caption{caption-side:bottom;font-size:13px;text-align:start;color:var(--muted);padding-top:6px}.article-content ul{padding-inline-start:23px;margin-block:8px}.article-content li{margin-block:4px}.article-content details{border-top:1px solid var(--line);font-size:16px;padding-block:8px}.article-content details:last-child{border-bottom:1px solid var(--line)}.article-content summary{cursor:pointer;font-weight:500}.article-content details p{margin-top:10px;color:var(--muted)}.sources p,.sources li{font-size:14px;line-height:1.5}.contents{position:sticky;top:25px;border-inline-start:1px solid var(--line);padding-inline-start:28px;font-family:Georgia,'Times New Roman',serif;font-size:15px;line-height:1.5}.contents h2{font-size:18px;margin-block:7px 14px}.contents ol{list-style:none;padding:0;margin:0}.contents li{margin-block:10px}.article-cta{margin:12px 8px 0;padding-block:20px}.article-cta .wrap{width:calc(100% - 44px)}.article-cta h2{font-family:Georgia,'Times New Roman',serif;font-size:25px}.article-cta .button{font-size:13px;padding:10px 14px;min-height:39px}.cta-actions{display:flex;gap:12px;flex-shrink:0}.article-shell .footer-inner{min-height:45px}.article-shell .nav-links{margin-inline-start:0;font-size:13px;gap:30px}.article-shell .nav-links>.button{margin-inline-start:auto}.language-landing{text-align:center;max-width:740px;padding-block:100px}.language-landing h1{font-size:46px;margin-bottom:20px}.language-landing p{font-size:20px;line-height:1.5;color:var(--muted)}.language-actions{display:flex;justify-content:center;gap:20px;margin-block:30px}.noscript{border:1px solid var(--line);background:#fff;padding:14px;margin-bottom:20px}[hidden]{display:none!important}[dir=rtl]{font-family:Arial,Tahoma,sans-serif}[dir=rtl] h1{letter-spacing:0;line-height:1.3}[dir=rtl] .article-content,[dir=rtl] .contents,[dir=rtl] .article-cta h2{font-family:Georgia,Tahoma,serif}[dir=rtl] .article-content{line-height:1.9}[dir=rtl] .article-content h1{font-size:37px}[dir=rtl] .result-amount{text-align:right}[dir=rtl] .row-number{letter-spacing:0}.no-wrap{white-space:nowrap}@media(min-width:1600px){.wrap{max-width:1320px}}@media(max-width:1000px){.wrap{width:calc(100% - 64px)}h1{font-size:52px}.hero .lead{font-size:21px}.nav-links{gap:22px}.guide-grid{gap:0 30px}.guide-row{grid-template-columns:52px 1fr;gap:15px}.guide-row h2{font-size:21px}.guide-row p{font-size:16px}.calculator-grid{gap:25px}.result-panel{padding:28px 22px}.result-amount{font-size:40px}.result-breakdown{font-size:14px}.article-layout{grid-template-columns:minmax(0,1fr) 200px;gap:25px}.article-content h1{font-size:36px}.contents{padding-inline-start:20px}.cta-inner h2{font-size:25px}.article-cta .cta-inner{display:block}.article-cta .cta-actions{margin-top:15px}}@media(max-width:700px){.wrap,.article-shell .wrap,.article-shell .site-header .wrap{width:calc(100% - 40px)}.nav{min-height:72px;gap:20px;flex-wrap:wrap;padding-block:14px}.brand{font-size:25px}.nav-links,.article-shell .nav-links{gap:16px;font-size:12px;margin-inline-start:auto}.nav-links>.button{display:none}.hero{padding-block:40px 32px}h1{font-size:43px;letter-spacing:-1.6px}.hero .lead{font-size:19px}.hero .button{font-size:15px;padding:12px 17px}.guide-list{padding-top:10px}.guide-grid{grid-template-columns:1fr}.guide-row{grid-template-columns:43px 1fr;gap:14px;min-height:0;padding-block:24px}.guide-row:nth-last-child(2){border-bottom:1px solid var(--line)}.row-number{font-size:29px}.guide-row h2{font-size:21px}.guide-row p{font-size:16px}.cta-inner{display:block}.cta-inner h2{font-size:25px}.cta-inner .button{margin-top:17px;font-size:14px}.site-footer .footer-inner{min-height:66px}.footer-links{gap:12px}.calculator-main{padding-block:32px 20px}.calculator-main h1{font-size:36px;line-height:1.12}.calculator-main>.lead{font-size:19px;margin-bottom:25px}.calculator-grid{grid-template-columns:1fr;gap:25px}.result-panel{min-height:0;padding:26px 22px}.result-amount{font-size:39px}.result-label{font-size:22px}.result-panel h2{font-size:25px}.result-breakdown{font-size:14px;padding-block:20px;gap:12px}.empty-result{min-height:80px;font-size:18px}.article-layout{display:flex;flex-direction:column;gap:12px;padding-top:22px}.contents{position:static;border:0;border-top:1px solid var(--line);padding:18px 0;order:-1;width:100%;font-size:14px}.contents h2{font-size:17px;margin:0 0 10px}.contents ol{display:flex;gap:8px 15px;flex-wrap:wrap}.contents li{margin:0}.contents li:nth-child(n+5){display:none}.article-content{font-size:17px;line-height:1.6}.article-content h1{font-size:35px}.article-lead{font-size:18px}.article-section h2{font-size:25px}.article-shell .nav-links{gap:15px}.article-content th,.article-content td{font-size:14px;padding:7px 8px}.cta-actions{flex-wrap:wrap;gap:7px}.article-cta .cta-inner .button{margin:0}.language-landing{padding-block:65px}.language-landing h1{font-size:37px}.language-actions{flex-wrap:wrap}[dir=rtl] .article-content h1{font-size:31px}}@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important}}@media print{.site-header,.site-footer,.contents,.cta-band,.form-tools,.example-button{display:none}.wrap,.article-shell .wrap{width:100%}.article-layout{display:block}.article-content{font-size:12pt}body{background:#fff}}
/* The reading title leads on smaller screens; the contents rail is desktop-only. */
.article-download .cta-inner{align-items:flex-start;flex-wrap:wrap}.article-download .cta-inner>div:first-child{flex:1 1 240px;min-width:0}.article-download .cta-actions{flex:1 1 350px;flex-wrap:wrap;justify-content:flex-end}.article-download .cta-actions .store-link{flex:1 1 160px;min-width:0;max-width:100%;min-height:52px;padding:12px 16px;font-size:14px;display:flex;flex-direction:column;gap:5px;line-height:1.45;text-align:center;overflow-wrap:anywhere}.article-download .cta-actions .store-link>span{max-width:100%;min-width:0}.article-download .store-brand{font-family:Arial,Helvetica,sans-serif;font-size:13px;font-weight:400}.article-tools{display:flex;flex-wrap:wrap;gap:12px 24px;padding-top:17px;font-size:14px;line-height:1.6;overflow-wrap:anywhere}.article-tools a{display:inline-block;min-height:44px;padding-block:10px;max-width:100%}@media(max-width:700px){.article-download .cta-actions{margin-top:17px;width:100%;justify-content:stretch}.article-download .cta-actions .store-link{flex-basis:100%}.article-download .article-tools{gap:4px 15px}.article-download .cta-inner>div:first-child{width:100%}}
.article-layout>.article-content{width:100%;min-width:0;max-width:100%;overflow-wrap:anywhere}
.language-picker{position:relative;color:var(--muted);font-size:14px}.language-picker summary{cursor:pointer;min-height:32px;display:flex;align-items:center;gap:7px;white-space:nowrap}.language-picker summary::after{content:'';width:6px;height:6px;border-inline-end:1.5px solid currentColor;border-bottom:1.5px solid currentColor;transform:rotate(45deg);margin-inline-start:5px;margin-top:-4px}.language-picker[open] summary::after{transform:rotate(225deg);margin-top:3px}.language-picker summary::-webkit-details-marker{display:none}.language-picker ul{position:absolute;inset-inline-end:0;top:100%;list-style:none;margin:8px 0 0;padding:8px;background:#fff;border:1px solid var(--line);border-radius:5px;box-shadow:0 8px 25px #15203312;min-width:185px;max-height:65vh;overflow:auto;z-index:20}.language-picker li a{display:block;padding:9px 12px;color:var(--ink);font-size:15px;line-height:1.4;white-space:nowrap}.language-picker li a[aria-current=page]{color:var(--blue);background:var(--bg)}.language-actions{flex-wrap:wrap}.language-actions .button{min-width:165px}.nav-links{flex-wrap:wrap}.article-content,.guide-row,.hero{overflow-wrap:break-word}.guide-row h2 a{hyphens:auto}html[lang=ml]{--locale-font:'Malayalam Sangam MN','Noto Sans Malayalam',sans-serif}html[lang=hi]{--locale-font:'Devanagari Sangam MN','Noto Sans Devanagari',sans-serif}html[lang=bn]{--locale-font:'Bangla Sangam MN','Noto Sans Bengali',sans-serif}html[lang=ta]{--locale-font:'Tamil Sangam MN','Noto Sans Tamil',sans-serif}html[lang=te]{--locale-font:'Telugu Sangam MN','Noto Sans Telugu',sans-serif}html[lang=ur]{--locale-font:'Geeza Pro','Noto Nastaliq Urdu',Tahoma,sans-serif}html:is([lang=ml],[lang=hi],[lang=bn],[lang=ta],[lang=te],[lang=ur]) body,html:is([lang=ml],[lang=hi],[lang=bn],[lang=ta],[lang=te],[lang=ur]) .article-content,html:is([lang=ml],[lang=hi],[lang=bn],[lang=ta],[lang=te],[lang=ur]) .contents,html:is([lang=ml],[lang=hi],[lang=bn],[lang=ta],[lang=te],[lang=ur]) .article-cta h2{font-family:var(--locale-font);line-height:1.75}html:is([lang=ml],[lang=hi],[lang=bn],[lang=ta],[lang=te],[lang=ur]) h1{letter-spacing:0;line-height:1.35}html[lang=ur] .article-content{line-height:2}html[lang=ur] .article-content h1{font-size:37px}@media(max-width:700px){.site-header .nav{flex-wrap:wrap}.site-header .nav-links,.article-shell .site-header .nav-links{width:100%;margin-inline:0;justify-content:space-between;gap:8px 14px}.nav-links>a,.language-picker summary{white-space:normal}.language-picker ul{inset-inline-end:0}.language-picker li a{white-space:nowrap}.site-header .nav-links>a:not(.button){max-width:48%}.language-landing .language-actions{gap:12px}.language-actions .button{min-width:140px;font-size:15px}html[lang=ur] .article-content h1{font-size:31px}}
@media(max-width:760px){.article-shell .contents{display:none}.article-shell .article-layout{grid-template-columns:minmax(0,1fr)}}
