:root{--primary-dark:#003d7a;--primary-main:#1565c0;--accent-gold:#2196f3;--accent-gold-light:#42a5f5;--bg-light:#f8fafc;--text-dark:#1e293b;--text-muted:#475569;--white:#fff}*{margin:0;padding:0;box-sizing:border-box}body{font-family:Georgia,serif;line-height:1.6;color:var(--text-dark);background-color:var(--bg-light)}h1,h2,h3{font-family:-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,sans-serif;font-weight:700}.navbar{background:var(--white);padding:1.2rem 5%;box-shadow:0 2px 15px rgba(0,0,0,.05);position:fixed;width:100%;top:0;z-index:1000;border-bottom:3px solid var(--accent-gold)}.nav-content{max-width:1200px;margin:0 auto;justify-content:space-between}.logo,.nav-content{display:flex;align-items:center}.logo{gap:.8rem;font-size:1.6rem;font-weight:700;color:var(--primary-dark);letter-spacing:-.5px}.logo-image{border-radius:4px;-o-object-fit:contain;object-fit:contain}.logo-text{font-size:1.6rem;font-weight:700;color:var(--primary-dark)}.nav-links{display:flex;gap:2.5rem;list-style:none}.nav-links a{text-decoration:none;color:var(--text-dark);font-weight:600;font-family:sans-serif;transition:color .3s}.nav-links a:hover{color:var(--primary-main)}.nav-cta-button{background:var(--accent-gold);color:var(--white)!important;padding:.7rem 1.5rem;border-radius:6px;transition:all .3s;box-shadow:0 2px 8px rgba(33,150,243,.3)}.nav-cta-button:hover{background:var(--primary-main);transform:translateY(-2px);box-shadow:0 4px 12px rgba(33,150,243,.4);color:var(--white)!important}.mobile-menu-button{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:.5rem;z-index:1003;position:relative}.hamburger-line{width:28px;height:3px;background-color:var(--primary-dark);transition:all .3s ease;border-radius:2px}.hamburger-line.open:first-child{transform:rotate(45deg) translate(8px,8px)}.hamburger-line.open:nth-child(2){opacity:0}.hamburger-line.open:nth-child(3){transform:rotate(-45deg) translate(8px,-8px)}.mobile-menu-overlay{display:none;position:fixed;top:0;left:0;right:0;bottom:0;background:rgba(0,0,0,.5);z-index:1001}@media (max-width:768px){.mobile-menu-button{display:flex}.nav-links{position:fixed;top:0;right:-100%;width:280px;height:100vh;background:var(--white);flex-direction:column;padding:5rem 2rem 2rem;gap:0;box-shadow:-2px 0 10px rgba(0,0,0,.1);transition:right .3s ease;z-index:1002;overflow-y:auto}.nav-links.mobile-open{right:0}.nav-links li{width:100%;border-bottom:1px solid #e5e7eb}.nav-links a{display:block;padding:1.25rem 0;width:100%;font-size:1.1rem}.nav-cta-button{margin-top:1rem;text-align:center;display:block}.logo-text{font-size:1.3rem}}.hero{margin-top:80px;padding:6rem 5%;background:linear-gradient(135deg,var(--primary-dark) 0,#004080 100%);color:var(--white);text-align:center;position:relative;overflow:hidden}.hero:after{content:"";position:absolute;bottom:0;left:0;right:0;height:10px;background:var(--accent-gold)}.hero-content{max-width:850px;margin:0 auto}.hero h1{font-size:3.2rem;margin-bottom:1.5rem;line-height:1.2}.hero p{font-size:1.3rem;margin-bottom:2.5rem;opacity:.95;font-weight:300}.cta-button{display:inline-block;padding:1.2rem 3rem;background:var(--accent-gold);color:var(--white);text-decoration:none;border-radius:4px;font-weight:700;font-size:1.1rem;font-family:sans-serif;transition:all .3s;box-shadow:0 4px 15px rgba(33,150,243,.3);text-transform:uppercase;letter-spacing:1px}.cta-button:hover{transform:translateY(-2px);box-shadow:0 8px 25px rgba(33,150,243,.4);background:#0d47a1}.features{padding:6rem 5%;max-width:1200px;margin:0 auto}.features h2{text-align:center;font-size:2.6rem;margin-bottom:4rem;color:var(--primary-dark)}.feature-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:3rem}.feature-card{padding:3rem 2rem;background:var(--white);border-radius:8px;text-align:center;transition:all .3s;border:1px solid #e2e8f0;border-top:4px solid var(--primary-main)}.feature-card:hover{transform:translateY(-10px);box-shadow:0 20px 40px rgba(0,0,0,.05)}.feature-icon{font-size:3.5rem;margin-bottom:1.5rem;display:block}.feature-card h3{margin-bottom:1.2rem;color:var(--primary-dark);font-size:1.5rem}.feature-card p{color:var(--text-muted);font-size:1.05rem}.about-section{padding:6rem 5%;background:var(--white);border-top:1px solid #e2e8f0}.about-container{max-width:900px;margin:0 auto}.about-section h2{font-size:2.4rem;margin-bottom:2rem;color:var(--primary-dark);text-align:center}.about-section p{margin-bottom:1.5rem;font-size:1.15rem;color:var(--text-dark)}.benefit-list{list-style:none;margin:2rem 0}.benefit-list li{padding:1rem 0;border-bottom:1px solid #f1f5f9;display:flex;align-items:center;font-weight:600;color:var(--primary-dark)}.benefit-list li:before{content:"✓";margin-right:15px;color:var(--accent-gold);font-weight:700;font-size:1.2rem}.cta-section{padding:6rem 5%;background:#f1f5f9;text-align:center;border-top:1px solid #e2e8f0}.cta-section h2{font-size:2.6rem;margin-bottom:1.5rem;color:var(--primary-dark)}.cta-section p{font-size:1.3rem;margin-bottom:3rem;color:var(--text-muted);max-width:700px;margin-left:auto;margin-right:auto}.footer{text-align:center;padding:4rem 5%}.footer p{opacity:.8;margin-bottom:1rem}.footer-logo{justify-content:center;margin-bottom:1.5rem}.footer-logo-image{border-radius:8px;-o-object-fit:contain;object-fit:contain;opacity:.9}.calculator-section{padding:6rem 5%;background:var(--bg-light)}.calculators-section-header{text-align:center;margin-bottom:3rem}.calculators-section-header h2{font-size:2.6rem;margin-bottom:1rem;color:var(--primary-dark)}.calculators-section-header p{font-size:1.2rem;color:var(--text-muted);max-width:700px;margin:0 auto}.calculator-container{max-width:1200px;margin:0 auto}.calculator-title{text-align:center;font-size:2.6rem;margin-bottom:1rem;color:var(--primary-dark)}.calculator-subtitle{text-align:center;font-size:1.2rem;margin-bottom:3rem;color:var(--text-muted);max-width:700px;margin-left:auto;margin-right:auto}.calculator-inputs{background:var(--white);padding:3rem;border-radius:12px;box-shadow:0 4px 20px rgba(0,0,0,.08);margin-bottom:3rem;border-top:4px solid var(--accent-gold)}.input-group{margin-bottom:2rem}.input-group:last-child{margin-bottom:0}.input-group label{display:block;margin-bottom:.75rem;font-weight:600;color:var(--primary-dark);font-size:1.1rem;font-family:sans-serif}.input-wrapper{width:100%;margin-bottom:1rem}.input-group input[type=number]{width:100%;padding:1rem;font-size:1.3rem;border:2px solid #e2e8f0;border-radius:8px;font-weight:600;color:var(--primary-dark);font-family:sans-serif;transition:border-color .3s}.input-group input[type=number]::-moz-placeholder{color:#9ca3af;font-weight:500}.input-group input[type=number]::placeholder{color:#9ca3af;font-weight:500}.input-field{width:100%;padding:1rem;font-size:1.1rem;border:2px solid #e2e8f0;border-radius:8px;font-weight:500;color:var(--primary-dark);font-family:sans-serif;transition:border-color .3s}.input-field::-moz-placeholder{color:#9ca3af;font-weight:400}.input-field::placeholder{color:#9ca3af;font-weight:400}.input-field:focus,.input-group input[type=\"number\"]:focus{outline:none;border-color:var(--accent-gold)}.slider{width:100%;height:8px;border-radius:5px;background:#e2e8f0;outline:none;-webkit-appearance:none}.slider::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:24px;height:24px;border-radius:50%;background:var(--accent-gold);cursor:pointer;-webkit-transition:all .3s;transition:all .3s}.slider::-webkit-slider-thumb:hover{background:var(--accent-gold-light);transform:scale(1.1)}.slider::-moz-range-thumb{width:24px;height:24px;border-radius:50%;background:var(--accent-gold);cursor:pointer;border:none;-moz-transition:all .3s;transition:all .3s}.slider::-moz-range-thumb:hover{background:var(--accent-gold-light);transform:scale(1.1)}.results-section{margin-top:3rem}.results-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:2rem;margin-bottom:3rem}.result-card{background:var(--white);padding:2.5rem 2rem;border-radius:12px;box-shadow:0 4px 15px rgba(0,0,0,.08);text-align:center;transition:all .3s;border-top:3px solid var(--primary-main)}.result-card-primary{border-top:3px solid var(--accent-gold);background:linear-gradient(135deg,var(--white) 0,#e3f2fd 100%)}.result-card:hover{transform:translateY(-5px);box-shadow:0 8px 25px rgba(0,0,0,.12)}.result-icon{font-size:3rem;margin-bottom:1rem}.result-label{font-size:.95rem;color:var(--text-muted);margin-bottom:.75rem;font-weight:600;text-transform:uppercase;letter-spacing:.5px;font-family:sans-serif}.result-value{font-size:2.2rem;font-weight:700;color:var(--primary-dark);margin-bottom:.5rem;font-family:sans-serif}.result-detail{font-size:.9rem;color:var(--text-muted);font-style:italic}.benefits-highlight{background:var(--white);padding:3rem;border-radius:12px;box-shadow:0 4px 15px rgba(0,0,0,.08);margin-bottom:2rem;border-left:6px solid var(--primary-main)}.benefits-highlight h3{font-size:1.8rem;margin-bottom:1.5rem;color:var(--primary-dark)}.benefits-highlight ul{list-style:none;padding:0}.benefits-highlight li{padding:1rem 0;border-bottom:1px solid #f1f5f9;font-size:1.05rem;line-height:1.6}.benefits-highlight li:last-child{border-bottom:none}.comparison-note{background:linear-gradient(135deg,#1565c0,#003d7a);color:var(--white);padding:2rem 2.5rem;border-radius:12px;margin-bottom:2rem;box-shadow:0 4px 15px rgba(21,101,192,.3)}.comparison-note p{margin:0;font-size:1.1rem;line-height:1.7}.comparison-note strong{color:var(--accent-gold-light)}.disclaimer{background:#f8f9fa;padding:1.5rem;border-radius:8px;border-left:4px solid var(--text-muted)}.disclaimer p{margin:0;font-size:.85rem;color:var(--text-muted);line-height:1.5}.comparison-stats{display:flex;justify-content:center;gap:3rem;margin-bottom:3rem;padding:2rem;background:var(--white);border-radius:12px;box-shadow:0 2px 10px rgba(0,0,0,.05)}.stat-item{display:flex;flex-direction:column;align-items:center;gap:.5rem}.stat-label{font-size:.9rem;color:var(--text-muted);font-weight:600}.stat-value{font-size:1.6rem;color:var(--primary-dark);font-family:sans-serif}.comparison-grid{display:grid;grid-template-columns:1fr 1fr;gap:2rem;margin-bottom:3rem}.comparison-column{background:var(--white);border-radius:12px;box-shadow:0 4px 20px rgba(0,0,0,.08);overflow:hidden}.iul-column{border-top:6px solid var(--primary-main)}.sp500-column{border-top:6px solid #6b7280}.column-header{padding:2rem;text-align:center;background:linear-gradient(135deg,#f8fafc,#f1f5f9)}.iul-column .column-header{background:linear-gradient(135deg,#e3f2fd,#bbdefb)}.column-icon{font-size:3.5rem;margin-bottom:1rem}.column-header h3{font-size:1.8rem;margin-bottom:.5rem;color:var(--primary-dark)}.column-subtitle{font-size:.95rem;color:var(--text-muted);font-style:italic}.comparison-card{padding:1.75rem;border-bottom:1px solid #f1f5f9;background:var(--white)}.comparison-card:last-of-type{border-bottom:none}.card-label{font-size:.9rem;color:var(--text-muted);margin-bottom:.75rem;font-weight:600;text-transform:uppercase;letter-spacing:.5px}.card-value{font-size:1.8rem;font-weight:700;color:var(--primary-dark);margin-bottom:.5rem;font-family:sans-serif}.card-value-large{font-size:2.2rem;color:var(--accent-gold)}.card-benefit{color:#059669}.card-benefit,.card-drawback{font-size:.9rem;font-weight:600;padding:.5rem 0}.card-drawback{color:#dc2626}.advantage-list{padding:1.75rem;background:#f9fafb}.advantage-list h4{font-size:1.1rem;margin-bottom:1rem;color:var(--primary-dark)}.advantage-list ul{list-style:none;padding:0;margin:0}.advantage-list li{padding:.6rem 0;font-size:.95rem;line-height:1.5;color:var(--text-dark)}.winner-banner{background:linear-gradient(135deg,var(--accent-gold) 0,#1976d2 100%);padding:3rem;border-radius:12px;box-shadow:0 8px 30px rgba(33,150,243,.3);margin-bottom:3rem;color:var(--white)}.winner-content{display:flex;align-items:center;gap:2rem}.winner-icon{font-size:5rem;flex-shrink:0}.winner-text h3{font-size:2rem;margin-bottom:1rem;color:var(--white)}.winner-text p{font-size:1.2rem;line-height:1.7;margin:0;opacity:.95}.key-insight{background:var(--white);padding:2.5rem;border-radius:12px;box-shadow:0 4px 15px rgba(0,0,0,.08);margin-bottom:2rem;border-left:6px solid var(--accent-gold)}.key-insight h3{font-size:1.6rem;margin-bottom:1.5rem;color:var(--primary-dark)}.key-insight p{margin-bottom:1rem;font-size:1.05rem;line-height:1.7;color:var(--text-dark)}.key-insight ol{margin:1.5rem 0;padding-left:1.5rem}.key-insight li{margin-bottom:1rem;font-size:1.05rem;line-height:1.6;color:var(--text-dark)}.income-projection-banner{background:linear-gradient(135deg,#002855 0,var(--primary-dark) 100%);padding:3rem;border-radius:12px;box-shadow:0 8px 30px rgba(0,61,122,.4);margin-bottom:3rem;color:var(--white)}.projection-header{text-align:center;margin-bottom:2.5rem}.projection-header h3{font-size:2rem;margin-bottom:.75rem;color:var(--white)}.projection-header p{font-size:1.1rem;opacity:.9;margin:0}.projection-comparison{display:flex;align-items:center;justify-content:center;gap:3rem;margin-bottom:2rem}.projection-item{flex:1;text-align:center;padding:2rem;background:hsla(0,0%,100%,.1);border-radius:12px;backdrop-filter:blur(10px)}.projection-label{font-size:1rem;color:hsla(0,0%,100%,.8);margin-bottom:1rem;text-transform:uppercase;letter-spacing:1px;font-weight:600}.projection-value{font-size:2.8rem;font-weight:700;margin-bottom:.75rem;font-family:sans-serif}.iul-value{color:var(--accent-gold)}.sp500-value{color:#fbbf24}.projection-detail{font-size:.95rem;color:hsla(0,0%,100%,.8);font-style:italic}.projection-vs{font-size:1.5rem;font-weight:700;color:hsla(0,0%,100%,.6);flex-shrink:0}.projection-advantage{text-align:center;padding:1.5rem;background:rgba(33,150,243,.3);border-radius:8px;font-size:1.3rem;line-height:1.6}.projection-advantage strong{color:var(--accent-gold);font-size:1.4rem}.image-banner,.image-banner-container{width:100%;overflow:hidden;position:relative}.image-banner-container{height:500px}.banner-image{width:100%;height:100%;-o-object-fit:cover;object-fit:cover;-o-object-position:center;object-position:center}.banner-overlay{position:absolute;top:0;left:0;right:0;bottom:0;background:linear-gradient(135deg,rgba(0,61,122,.85),rgba(21,101,192,.75));display:flex;flex-direction:column;justify-content:center;align-items:center;color:var(--white);padding:2rem;text-align:center}.banner-overlay h2{font-size:2.8rem;margin-bottom:1rem;color:var(--white);text-shadow:0 2px 10px rgba(0,0,0,.3)}.banner-overlay p{font-size:1.4rem;max-width:600px;opacity:.95;text-shadow:0 1px 5px rgba(0,0,0,.2)}.image-banner-alt .banner-overlay{background:linear-gradient(135deg,rgba(0,40,85,.8),rgba(0,61,122,.7))}.about-content{display:grid;grid-template-columns:1fr 1fr;gap:4rem;align-items:center}.about-text{flex:1}.about-image{position:relative;overflow:hidden;box-shadow:0 10px 40px rgba(0,0,0,.15)}.about-image,.about-img{width:100%;border-radius:12px}.about-img{height:auto;-o-object-fit:cover;object-fit:cover;transition:transform .3s}.about-image:hover .about-img{transform:scale(1.05)}.testimonials-section{padding:6rem 2rem;background:linear-gradient(135deg,#f8f9fa,#fff)}.testimonials-container{max-width:1200px;margin:0 auto}.testimonials-section h2{text-align:center;font-size:2.5rem;margin-bottom:1rem;color:var(--primary-dark)}.testimonials-subtitle{text-align:center;font-size:1.2rem;color:var(--text-muted);margin-bottom:4rem}.testimonials-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(350px,1fr));gap:2rem}.testimonial-card{background:var(--white);padding:2rem;border-radius:12px;box-shadow:0 4px 15px rgba(0,0,0,.08);transition:transform .3s,box-shadow .3s;border-top:4px solid var(--accent-gold)}.testimonial-card:hover{transform:translateY(-5px);box-shadow:0 8px 25px rgba(0,0,0,.12)}.stars{font-size:1.3rem;margin-bottom:1rem;letter-spacing:2px}.testimonial-text{font-size:1rem;line-height:1.7;color:var(--text-dark);margin-bottom:1.5rem;font-style:italic}.testimonial-author{display:flex;flex-direction:column;gap:.25rem;padding-top:1rem;border-top:2px solid #f1f5f9}.testimonial-author strong{font-size:1.1rem;color:var(--primary-dark)}.testimonial-author span{font-size:.9rem;color:var(--text-muted)}.partners-section{padding:6rem 2rem;background:var(--white)}.partners-container{max-width:1200px;margin:0 auto;text-align:center}.partners-section h2{font-size:2.5rem;margin-bottom:1rem;color:var(--primary-dark)}.partners-subtitle{font-size:1.2rem;color:var(--text-muted);margin-bottom:4rem}.partners-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:3rem;margin-bottom:3rem;align-items:center}.partner-logo{display:flex;align-items:center;justify-content:center;padding:2rem;background:var(--white);border-radius:12px;box-shadow:0 2px 10px rgba(0,0,0,.05);transition:all .3s;min-height:120px}.partner-logo:hover{transform:translateY(-5px);box-shadow:0 6px 20px rgba(0,0,0,.1)}.partner-logo img{filter:grayscale(30%);transition:filter .3s}.partner-logo:hover img{filter:grayscale(0)}.partners-note{font-size:.95rem;color:var(--text-muted);max-width:800px;margin:0 auto;line-height:1.6;font-style:italic}@media (max-width:768px){.hero h1{font-size:2.2rem}.calculator-inputs{padding:2rem 1.5rem}.results-grid{grid-template-columns:1fr}.result-value{font-size:1.8rem}.benefits-highlight{padding:2rem 1.5rem}.comparison-stats{flex-direction:column;gap:1.5rem}.comparison-grid{grid-template-columns:1fr;gap:1.5rem}.winner-content{flex-direction:column;text-align:center}.winner-icon{font-size:4rem}.winner-text h3{font-size:1.5rem}.winner-text p{font-size:1rem}.winner-banner{padding:2rem}.key-insight{padding:1.5rem}.key-insight h3{font-size:1.3rem}.income-projection-banner{padding:2rem}.projection-header h3{font-size:1.5rem}.projection-header p{font-size:.95rem}.projection-comparison{flex-direction:column;gap:1.5rem}.projection-vs{font-size:1.2rem}.projection-value{font-size:2rem}.projection-advantage{font-size:1.1rem}.projection-advantage strong{font-size:1.2rem}.testimonials-section{padding:4rem 1.5rem}.testimonials-section h2{font-size:2rem}.testimonials-grid{grid-template-columns:1fr;gap:1.5rem}.testimonial-card{padding:1.5rem}.partners-section{padding:4rem 1.5rem}.partners-section h2{font-size:2rem}.partners-grid{grid-template-columns:repeat(2,1fr);gap:2rem}.partner-logo{padding:1.5rem}.image-banner-container{height:300px}.banner-overlay h2{font-size:1.8rem}.banner-overlay p{font-size:1rem}.about-content{grid-template-columns:1fr;gap:2rem}.about-image{order:-1}}.calculate-button-container{display:flex;justify-content:center;margin:2rem 0}.calculate-button{background:var(--accent-gold);color:var(--white);padding:1rem 3rem;font-size:1.2rem;font-weight:600;border:none;border-radius:8px;cursor:pointer;transition:all .3s;box-shadow:0 4px 15px rgba(33,150,243,.3)}.calculate-button:hover{background:var(--primary-main);transform:translateY(-2px);box-shadow:0 6px 20px rgba(33,150,243,.4)}.form-modal-overlay{position:fixed;top:0;left:0;right:0;bottom:0;background:rgba(0,0,0,.7);display:flex;justify-content:center;align-items:center;z-index:1000;padding:1rem}.form-modal{background:var(--white);border-radius:12px;max-width:500px;width:100%;max-height:90vh;overflow-y:auto;box-shadow:0 10px 50px rgba(0,0,0,.3);animation:slideUp .3s ease-out}@keyframes slideUp{0%{opacity:0;transform:translateY(50px)}to{opacity:1;transform:translateY(0)}}.form-modal-header{background:linear-gradient(135deg,var(--primary-dark) 0,var(--primary-main) 100%);color:var(--white);padding:2rem;border-radius:12px 12px 0 0;position:relative}.form-modal-header h3{margin:0 0 .5rem;font-size:1.8rem;color:var(--white)}.form-modal-header 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