:root{--navy:#062a5e;--navy-2:#031d43;--green:#1e8a3d;--green-dark:#126a2d;--green-soft:#eaf5ec;--ink:#0a2146;--muted:#5e6a7c;--line:#dfe6ef;--bg:#f7f9fc;--white:#fff;--shadow:0 14px 40px rgba(6,42,94,.09)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:#fff;line-height:1.55}img{max-width:100%;display:block}a{color:inherit;text-decoration:none}.container{width:min(1120px,calc(100% - 40px));margin:0 auto}.site-header{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.96);border-bottom:1px solid rgba(6,42,94,.08);backdrop-filter:blur(10px)}.nav-wrap{min-height:78px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand img{width:230px}.main-nav{display:flex;align-items:center;gap:28px;font-weight:650;font-size:15px}.main-nav a{padding:10px 0}.main-nav a:hover,.main-nav .active{color:var(--green)}.youtube-button{color:#fff!important;background:var(--navy);border-radius:8px;padding:10px 16px!important;box-shadow:0 6px 18px rgba(6,42,94,.16)}.menu-button{display:none;border:0;background:transparent;font-size:28px;color:var(--navy);cursor:pointer}.hero{background:radial-gradient(circle at 20% 30%,rgba(30,138,61,.08),transparent 30%),linear-gradient(100deg,#f7fbff 0%,#eef7ff 50%,#fff 100%);padding:58px 0 48px}.hero-grid{display:grid;grid-template-columns:.95fr 1.2fr;align-items:center;gap:52px}.eyebrow{display:inline-block;margin-bottom:8px;color:var(--green);font-size:13px;font-weight:800;letter-spacing:.12em;text-transform:uppercase}.hero h1{margin:0 0 20px;font-size:clamp(48px,6vw,76px);line-height:.96;letter-spacing:-.045em}.hero h1 span{color:var(--green)}.hero-lead{margin:0 0 16px;font-size:21px;font-weight:750}.hero-copy>p:not(.hero-lead){max-width:560px;color:var(--muted);font-size:17px}.hero-image{border-radius:16px;overflow:hidden;box-shadow:var(--shadow);min-height:430px}.hero-image img{width:100%;height:430px;object-fit:cover}.primary-button,.secondary-button{display:inline-flex;align-items:center;justify-content:center;border-radius:8px;font-weight:800;border:none;cursor:pointer;transition:transform .15s ease,box-shadow .15s ease,background .15s ease}.primary-button{margin-top:12px;padding:14px 22px;background:var(--green);color:#fff;box-shadow:0 8px 22px rgba(30,138,61,.2)}.primary-button:hover{transform:translateY(-1px);background:var(--green-dark)}.path-section{padding:62px 0}.section-heading{text-align:center;margin-bottom:34px}.section-heading h2,.card h2,.split-card h2,.youtube-card h2{margin:0;font-size:clamp(28px,4vw,38px);line-height:1.12}.steps{display:grid;grid-template-columns:1fr auto 1fr auto 1fr auto 1fr;align-items:start;gap:18px}.step{text-align:center}.step-icon{width:78px;height:78px;margin:0 auto 16px;border-radius:50%;display:grid;place-items:center;background:var(--green-soft);color:var(--green);font-size:38px;font-weight:800}.step h3{margin:0 0 8px;font-size:18px}.step p{margin:0;color:var(--muted)}.step-arrow{color:var(--green);font-size:34px;margin-top:20px}.calculator-section{padding:62px 0;background:var(--bg)}.calculator-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}.card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:30px;box-shadow:0 10px 30px rgba(6,42,94,.05)}.calc-form{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:26px}.calc-form label{display:flex;flex-direction:column;gap:8px;font-size:14px;font-weight:700}.calc-form .full{grid-column:1/-1}input{width:100%;border:1px solid #cfd9e7;border-radius:8px;padding:12px 13px;color:var(--ink);background:#fff;font:inherit}input:focus{outline:3px solid rgba(30,138,61,.12);border-color:var(--green)}.calc-form button{width:100%;margin:0}.fine-print{color:#778397;font-size:12px;margin:16px 0 0}.results-card h2{margin-bottom:24px}.result-row{display:flex;justify-content:space-between;gap:18px;align-items:center;padding:16px;border:1px solid var(--line);border-radius:8px;margin-bottom:10px}.result-row strong{color:var(--green);font-size:24px}.result-row.highlight{background:var(--green-soft)}.chart-wrap{margin-top:18px}canvas{width:100%;height:auto}.about-section{padding:62px 0 24px}.split-card{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center;border:1px solid var(--line);border-radius:14px;padding:34px}.split-card p{color:var(--muted);font-size:18px}.youtube-section{padding:24px 0 64px}.youtube-card{display:grid;grid-template-columns:110px 1fr;gap:28px;align-items:center;padding:32px;border-radius:14px;background:linear-gradient(110deg,#eff8f1,#f3f8ff)}.play-icon{width:88px;height:88px;border-radius:50%;display:grid;place-items:center;color:#fff;background:var(--navy);font-size:30px}.youtube-card p{color:var(--muted)}.secondary-button{padding:12px 18px;background:var(--navy);color:#fff}.site-footer{background:var(--navy-2);color:#fff;padding:48px 0 22px}.footer-grid{display:grid;grid-template-columns:1.4fr .7fr .9fr 1.2fr;gap:34px}.footer-logo{width:220px;filter:brightness(0) invert(1);margin-bottom:16px}.site-footer h3{margin-top:0;font-size:15px}.site-footer a{display:block;color:rgba(255,255,255,.8);margin:8px 0}.site-footer p{color:rgba(255,255,255,.72);font-size:14px}.footer-bottom{margin-top:34px;padding-top:20px;border-top:1px solid rgba(255,255,255,.15);display:flex;justify-content:space-between;gap:20px;color:rgba(255,255,255,.65);font-size:13px}.footer-bottom div{display:flex;gap:20px}.footer-bottom a{display:inline;margin:0}@media(max-width:900px){.menu-button{display:block}.main-nav{position:absolute;top:78px;left:0;right:0;display:none;flex-direction:column;align-items:stretch;gap:0;background:#fff;border-bottom:1px solid var(--line);padding:12px 20px 20px}.main-nav.open{display:flex}.main-nav a{padding:12px}.youtube-button{text-align:center;margin-top:6px}.hero-grid,.calculator-grid,.split-card,.footer-grid{grid-template-columns:1fr}.hero{padding-top:38px}.hero-image{min-height:300px}.hero-image img{height:300px}.steps{grid-template-columns:1fr 1fr}.step-arrow{display:none}}@media(max-width:600px){.container{width:min(100% - 28px,1120px)}.brand img{width:190px}.hero h1{font-size:47px}.calc-form{grid-template-columns:1fr}.calc-form .full{grid-column:auto}.steps{grid-template-columns:1fr}.youtube-card{grid-template-columns:1fr}.footer-bottom{flex-direction:column}}

.page-hero{padding:64px 0 52px;background:linear-gradient(120deg,#f6fbff,#f2f9f3)}.narrow{max-width:820px}.page-hero h1{margin:0 0 16px;font-size:clamp(38px,6vw,60px);line-height:1.02;letter-spacing:-.035em}.lead,.section-intro{color:var(--muted);font-size:19px}.section-intro{max-width:760px;margin:10px auto 0}.article-section{padding:54px 0 72px}.article{max-width:820px}.article h2{font-size:28px;margin:42px 0 12px}.article h2:first-child{margin-top:0}.article p,.article li{font-size:17px;color:#45546a}.article ul{padding-left:24px}.checklist li{margin:9px 0}.callout{margin:44px 0 24px;padding:28px;border:1px solid var(--line);border-radius:14px;background:var(--bg)}.callout h3{margin:0 0 8px;font-size:22px}.callout p{margin-top:0}.disclosure{border-top:1px solid var(--line);padding-top:22px;font-size:13px!important;color:#6f7d90!important}.center-cta{text-align:center;margin-top:34px}.feature-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:34px;align-items:center}.feature-grid h2{font-size:clamp(30px,4vw,42px);margin:0}.feature-grid p{font-size:18px;color:var(--muted)}.mini-card{padding:34px;border-radius:16px;background:#fff;border:1px solid var(--line);box-shadow:var(--shadow);display:flex;flex-direction:column;gap:12px}.mini-card strong{font-size:38px;color:var(--green)}.mini-card span{font-size:18px}.mini-card small{color:var(--muted)}.content-section{padding:70px 0}.resource-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:22px}.resource-card{display:block;padding:28px;border:1px solid var(--line);border-radius:14px;box-shadow:0 8px 24px rgba(6,42,94,.04);transition:transform .15s ease,border-color .15s ease}.resource-card:hover{transform:translateY(-2px);border-color:#b9d8c1}.resource-card h3{margin:0 0 8px;font-size:22px}.resource-card p{color:var(--muted)}.resource-card span{font-weight:800;color:var(--green)}.topless{padding-top:42px}@media(max-width:900px){.feature-grid,.resource-grid{grid-template-columns:1fr}}
/* Article storytelling */
.article-hero{padding:58px 0;background:linear-gradient(120deg,#f7fbff,#f5faf6)}.article-hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:42px;align-items:center}.article-hero h1{margin:0 0 18px;font-size:clamp(40px,5vw,62px);line-height:1.03;letter-spacing:-.035em}.article-meta{margin-top:20px;color:#6f7d90;font-size:14px}.article-hero-image{border-radius:18px;overflow:hidden;box-shadow:var(--shadow)}.article-hero-image img{width:100%;height:360px;object-fit:cover}.story-article{max-width:860px}.story-intro{font-size:20px!important;line-height:1.7}.story-quote{margin:34px 0;padding:24px 28px;border-left:5px solid var(--green);background:var(--green-soft);font-size:24px;font-weight:750;line-height:1.35;border-radius:0 12px 12px 0}.table-wrap{overflow-x:auto;margin:24px 0}.growth-table{width:100%;border-collapse:collapse;font-size:15px}.growth-table th,.growth-table td{padding:14px 15px;border:1px solid var(--line);text-align:right}.growth-table th:first-child,.growth-table td:first-child{text-align:left}.growth-table th{background:var(--navy);color:#fff}.growth-table .historical-row{background:var(--green-soft);font-weight:700}.growth-table td span{display:block;font-size:11px;color:var(--green);text-transform:uppercase;letter-spacing:.06em}.article-visual{margin:38px 0}.article-visual img{width:100%;border:1px solid var(--line);border-radius:16px}.article-visual figcaption{text-align:center;color:#778397;font-size:13px;margin-top:10px}.source-note{font-size:13px!important;color:#6f7d90!important}.source-note a,.story-article a:not(.primary-button):not(.secondary-button){color:var(--green-dark);text-decoration:underline;text-underline-offset:3px}.article-note{margin-top:-10px}.calculator-cta{background:linear-gradient(120deg,#eef8f0,#f1f6fd)}.featured-resource{border-color:#b9d8c1;background:linear-gradient(145deg,#fff,#f7fbf8)}@media(max-width:900px){.article-hero-grid{grid-template-columns:1fr}.article-hero-image img{height:300px}}@media(max-width:600px){.article-hero{padding:38px 0}.article-hero h1{font-size:39px}.story-quote{font-size:20px}.growth-table{min-width:700px}}

/* Age-comparison article */
.age-hero-image{background:#f7f9fc;padding:14px}
.age-hero-image img{height:390px;object-fit:contain;background:#fff;border-radius:14px}
.age-person-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:28px 0}
@media(max-width:700px){.age-person-grid{grid-template-columns:1fr}.age-hero-image img{height:auto}}

/* Articles index */
.articles-index-section{padding:64px 0 78px;background:#fff}.articles-index-grid{display:grid;grid-template-columns:minmax(0,1fr) 330px;gap:42px;align-items:start}.articles-main{display:grid;gap:22px}.article-list-card{border:1px solid var(--line);border-radius:16px;padding:30px;background:#fff;box-shadow:0 8px 24px rgba(6,42,94,.04)}.article-list-card h2{font-size:27px;line-height:1.2;margin:8px 0 12px}.article-list-card h2 a{color:var(--ink)}.article-list-card p{color:var(--muted);font-size:17px;margin:0 0 16px}.article-read-link{font-weight:800;color:var(--green-dark)}.articles-sidebar{display:grid;gap:20px;position:sticky;top:100px}.articles-sidebar-card{border:1px solid var(--line);border-radius:16px;padding:24px;background:#fff}.articles-sidebar-card.soft{background:linear-gradient(145deg,#f6fbf7,#f4f8ff)}.articles-sidebar-card h2,.articles-sidebar-card h3{margin:7px 0 16px}.articles-sidebar-card>a:not(.secondary-button){display:flex;flex-direction:column;gap:3px;padding:14px 0;border-top:1px solid var(--line)}.articles-sidebar-card>a:not(.secondary-button):first-of-type{border-top:0}.articles-sidebar-card strong{color:var(--ink)}.articles-sidebar-card span:not(.eyebrow){font-size:13px;color:var(--muted)}.articles-sidebar-card p{color:var(--muted)}@media(max-width:900px){.articles-index-grid{grid-template-columns:1fr}.articles-sidebar{position:static}.articles-sidebar-card{padding:22px}}


/* Embedded article video */
.article-video-block{margin:36px 0 42px;padding:28px;border:1px solid var(--line);border-radius:16px;background:linear-gradient(145deg,#f6fbf7,#f4f8ff)}
.article-video-block h2{margin:7px 0 10px}.article-video-block p{margin-top:0}.video-embed{position:relative;width:100%;aspect-ratio:16/9;overflow:hidden;border-radius:14px;background:#071b33;box-shadow:0 12px 30px rgba(6,42,94,.12)}
.video-embed iframe{position:absolute;inset:0;width:100%;height:100%;border:0}.video-link-fallback{margin:13px 0 0!important;font-size:14px!important}

.video-help{margin:12px 0 0!important;font-size:14px!important;color:#6f7d90!important}.video-thumbnail-link{position:relative;display:block;width:100%;height:100%;text-decoration:none;background:#071b33;color:#fff}.video-thumbnail-link img{width:100%;height:100%;object-fit:cover;display:block}.video-thumbnail-link span{position:absolute;left:24px;bottom:22px;padding:12px 18px;border-radius:999px;background:rgba(10,33,70,.88);font-weight:800;letter-spacing:.01em}.video-thumbnail-link::before{content:"▶";position:absolute;left:24px;top:24px;width:58px;height:58px;border-radius:50%;display:flex;align-items:center;justify-content:center;background:rgba(255,255,255,.9);color:#0a2146;font-size:24px;font-weight:800;box-shadow:0 8px 24px rgba(6,42,94,.2)}


/* V8.0 branding, social links, and VOO article */
.brand{display:flex;align-items:center}.brand img{width:74px;height:74px;object-fit:contain}.nav-wrap{min-height:82px}.footer-logo{width:170px;height:auto;filter:none;border-radius:10px;margin-bottom:16px}.social-links{display:flex;flex-wrap:wrap;gap:8px 12px;margin-top:18px}.site-footer .social-links a{display:inline-flex;margin:0;padding:7px 10px;border:1px solid rgba(255,255,255,.2);border-radius:999px;font-size:13px;color:#fff}.site-footer .social-links a:hover{background:rgba(255,255,255,.1)}.featured-article-card{border-color:#b9d8c1;background:linear-gradient(145deg,#fff,#f7fbf8)}.voo-hero-image{background:#f7f9fc;padding:14px}.voo-hero-image img{height:390px;object-fit:contain;background:#fff;border-radius:14px}.compact-table th,.compact-table td{text-align:left}.faq-list{display:grid;gap:14px;margin:24px 0 36px}.faq-item{padding:22px 24px;border:1px solid var(--line);border-radius:12px;background:#fff}.faq-item h3{margin:0 0 7px;font-size:19px}.faq-item p{margin:0}.story-article ol.checklist{padding-left:25px}.story-article ol.checklist li{margin:10px 0}@media(max-width:900px){.brand img{width:64px;height:64px}.main-nav{top:82px}.voo-hero-image img{height:auto}}@media(max-width:600px){.brand img{width:58px;height:58px}.nav-wrap{min-height:72px}.main-nav{top:72px}.footer-logo{width:145px}}


/* V8.1 header social icons */
.header-socials{display:flex;align-items:center;gap:7px;flex:0 0 auto}.header-social{width:31px;height:31px;border:1px solid #dce5ef;border-radius:50%;display:inline-flex;align-items:center;justify-content:center;background:#fff;color:var(--navy);transition:transform .15s ease,border-color .15s ease,color .15s ease,box-shadow .15s ease}.header-social svg{width:16px;height:16px;fill:currentColor}.header-social:hover{transform:translateY(-1px);color:var(--green);border-color:#b9d8c1;box-shadow:0 5px 14px rgba(6,42,94,.09)}
@media(min-width:901px) and (max-width:1120px){.main-nav{gap:16px;font-size:14px}.header-socials{gap:5px}.header-social{width:29px;height:29px}}
@media(max-width:900px){.nav-wrap{gap:12px}.header-socials{margin-left:auto}.header-social{width:30px;height:30px}.menu-button{margin-left:2px}}
@media(max-width:520px){.header-socials{gap:4px}.header-social{width:27px;height:27px}.header-social svg{width:14px;height:14px}.brand img{width:52px;height:52px}.nav-wrap{gap:8px}}
@media(max-width:380px){.header-social{width:25px;height:25px}.header-social svg{width:13px;height:13px}.header-socials{gap:3px}}