/* Financial freedom lifestyle tool. All styles stay on this page. */
.fl-page .fl-hero{padding:60px 0 40px;border-bottom:1px solid var(--line)}
.fl-page .fl-topline{display:flex;justify-content:space-between;align-items:center;gap:18px;flex-wrap:wrap}
.fl-page .fl-breadcrumb{font:10px/1.6 var(--mono);letter-spacing:.08em;text-transform:uppercase;color:var(--muted);display:flex;gap:12px;align-items:center;flex-wrap:wrap}
.fl-page .fl-breadcrumb a{color:var(--accent);text-decoration:none}
.fl-page .fl-hero h1{font-size:clamp(40px,5.25vw,66px);font-weight:650;letter-spacing:-.052em;line-height:1.05;max-width:930px;margin:30px 0 20px}
.fl-page .fl-deck{font-size:18px;color:var(--muted);line-height:1.65;max-width:750px}
.fl-page .fl-result-jump{display:inline-flex;margin-top:22px;min-height:35px;font-size:13px;align-items:center;gap:10px;color:var(--accent)}
.fl-page .fl-form{margin:0 auto}
.fl-page .fl-controls{border:0;margin:0;padding:0;min-width:0}
.fl-page .fl-controls:disabled{opacity:.8}
.fl-page .fl-section{padding:35px 0;border-bottom:1px solid var(--line)}
.fl-page .fl-section-heading{display:flex;justify-content:space-between;align-items:baseline;gap:20px;margin-bottom:25px}
.fl-page .fl-step{font:10px/1.6 var(--mono);letter-spacing:.11em;text-transform:uppercase;color:var(--accent)}
.fl-page .fl-section h2{font-size:27px;line-height:1.25;letter-spacing:-.035em;font-weight:600;margin-top:7px}
.fl-page .fl-household{display:flex;flex-wrap:wrap;gap:18px 36px;margin:0 0 27px}
.fl-page .fl-fieldset{padding:0;margin:0;border:0;min-width:0}
.fl-page .fl-fieldset legend{padding:0;margin-bottom:10px;font-size:13px;font-weight:550;color:var(--ink)}
.fl-page .fl-segments{display:flex;gap:0;flex-wrap:wrap}
.fl-page .fl-segments label{position:relative;cursor:pointer;min-height:44px;display:flex;align-items:center;margin-right:-1px}
.fl-page .fl-segments label span{display:flex;justify-content:center;align-items:center;min-height:44px;padding:10px 18px;border:1px solid var(--line-strong);font-size:13px;background:var(--paper);color:var(--muted)}
.fl-page .fl-segments input{position:absolute;opacity:0;width:1px;height:1px}
.fl-page .fl-segments input:checked+span{background:var(--accent-soft);color:var(--accent);border-color:var(--accent);position:relative;z-index:1;font-weight:600}
.fl-page .fl-segments input:focus-visible+span{outline:2px solid var(--accent);outline-offset:3px;z-index:2}
.fl-page .fl-cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;min-width:0}
.fl-page .fl-card{position:relative;display:flex;flex-direction:column;cursor:pointer;background:var(--surface);border:1px solid var(--line-strong);padding:23px 23px 19px;min-width:0;transition:border-color .15s,background .15s}
.fl-page .fl-card:has(input:checked){border-color:var(--accent);background:var(--accent-soft);box-shadow:inset 0 2px var(--accent)}
.fl-page .fl-card:has(input:focus-visible){outline:2px solid var(--accent);outline-offset:3px}
.fl-page .fl-card input{position:absolute;right:20px;top:25px;width:17px;height:17px;margin:0;accent-color:var(--accent)}
.fl-page .fl-card-name{font-size:20px;font-weight:600;letter-spacing:-.03em;margin-bottom:15px;display:block;padding-right:25px;line-height:1.25}
.fl-page .fl-card-money{display:flex;align-items:baseline;gap:6px;flex-wrap:wrap;line-height:1.2}
.fl-page .fl-card-money strong{font-size:36px;letter-spacing:-.05em;font-weight:600;font-variant-numeric:tabular-nums}
.fl-page .fl-card-money small{font-size:12px;color:var(--muted);white-space:nowrap}
.fl-page .fl-annual{font:11px/1.6 var(--mono);color:var(--muted);margin-top:7px;display:block}
.fl-page .fl-card-copy{display:block;margin-top:18px;font-size:14px;line-height:1.7;color:var(--muted);max-width:310px}
.fl-page .fl-card:has(input:checked) .fl-card-name{color:var(--accent)}
.fl-page .fl-choice-note{font-size:12px;line-height:1.7;color:var(--muted);margin-top:14px}
.fl-page .fl-custom-choice{display:flex;align-items:center;gap:9px;min-height:44px;cursor:pointer;font-size:13px;margin-top:7px;width:fit-content}
.fl-page input[type=radio],.fl-page input[type=checkbox]{accent-color:var(--accent)}
.fl-page .fl-custom-choice input{width:16px;height:16px;margin:0}
.fl-page .fl-lifestyle-details{border-top:1px solid var(--line);margin-top:17px;padding-top:24px}
.fl-page .fl-detail-head{display:grid;grid-template-columns:260px minmax(0,1fr);gap:36px;margin-bottom:21px}
.fl-page .fl-detail-head h3{font-size:20px;line-height:1.3;font-weight:600;letter-spacing:-.03em}
.fl-page .fl-detail-head p{font-size:14px;line-height:1.75;color:var(--muted);max-width:710px}
.fl-page .fl-detail-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));column-gap:32px;row-gap:20px;margin:0}
.fl-page .fl-detail-grid>div{border-top:1px solid var(--line);padding-top:13px}
.fl-page .fl-detail-grid dt{font-size:13px;font-weight:600;color:var(--ink);margin-bottom:5px}
.fl-page .fl-detail-grid dd{font-size:13px;line-height:1.7;color:var(--muted)}
.fl-page .fl-london-note{font-size:12px;color:var(--muted);margin-top:16px}
.fl-page .fl-source{font-size:11px;line-height:1.8;color:var(--muted);margin-top:20px;max-width:940px}
.fl-page .fl-source a{color:var(--muted);text-decoration:underline;text-underline-offset:3px}
.fl-page .fl-source a:hover{color:var(--accent)}
.fl-page .fl-calc-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(350px,.88fr);gap:64px;padding:40px 0;border-bottom:1px solid var(--line);align-items:start}
.fl-page .fl-personal{min-width:0}
.fl-page .fl-personal h2{font-size:27px;line-height:1.25;letter-spacing:-.035em;font-weight:600;margin:7px 0 25px}
.fl-page .fl-fields{display:grid;grid-template-columns:1fr 1fr;gap:23px 20px}
.fl-page .fl-field{min-width:0}
.fl-page .fl-field-wide{grid-column:1/-1}
.fl-page .fl-field label{font-size:13px;font-weight:550;display:block;margin-bottom:9px;line-height:1.5}
.fl-page .fl-money-input{display:flex;align-items:center;border:1px solid var(--line-strong);background:var(--surface);min-height:48px;position:relative}
.fl-page .fl-money-input:focus-within{outline:2px solid var(--accent);outline-offset:2px}
.fl-page .fl-money-input>span{padding-left:13px;color:var(--muted);font-size:15px;flex-shrink:0}
.fl-page .fl-money-input input{width:100%;min-width:0;border:0;background:transparent;padding:12px;color:var(--ink);font-size:18px;font-variant-numeric:tabular-nums;outline:0}
.fl-page .fl-field input[aria-invalid=true]{box-shadow:inset 0 -2px var(--negative)}
.fl-page .fl-field-help{margin-top:8px;font-size:12px;line-height:1.7;color:var(--muted)}
.fl-page .fl-error{margin-top:7px;font-size:12px;line-height:1.5;color:var(--negative)}
.fl-page .fl-fieldset.fl-rate{margin-top:25px}
.fl-page .fl-rate .fl-segments{display:grid;grid-template-columns:repeat(4,1fr);max-width:390px}
.fl-page .fl-rate .fl-segments label span{width:100%;font-size:15px;min-height:46px;padding:10px}
.fl-page .fl-rate-note{font-size:12px;color:var(--muted);line-height:1.7;margin-top:10px;max-width:480px}
.fl-page .fl-result{padding:28px;border:1px solid var(--accent);background:var(--accent-soft);scroll-margin-top:110px;min-width:0}
.fl-page .fl-result h2{font-size:21px;letter-spacing:-.025em;margin:8px 0 21px;font-weight:600;line-height:1.3}
.fl-page .fl-target-label{font-size:12px;color:var(--muted);line-height:1.6}
.fl-page .fl-target{display:block;font-size:clamp(35px,4.1vw,56px);line-height:1.18;letter-spacing:-.05em;font-weight:620;font-variant-numeric:tabular-nums;margin:8px 0 10px;overflow-wrap:anywhere}
.fl-page .fl-target-sub{font-size:13px;color:var(--muted);line-height:1.65}
.fl-page .fl-metrics{margin-top:22px;border-top:1px solid var(--line-strong)}
.fl-page .fl-metrics>div{display:flex;justify-content:space-between;align-items:baseline;gap:18px;border-bottom:1px solid var(--line);padding:11px 0;font-size:13px;line-height:1.5}
.fl-page .fl-metrics dt{color:var(--muted)}
.fl-page .fl-metrics dd{font-weight:550;text-align:right;font-variant-numeric:tabular-nums;white-space:nowrap}
.fl-page .fl-metrics .fl-gap dt,.fl-page .fl-metrics .fl-gap dd{color:var(--ink);font-weight:600}
.fl-page .fl-result-note{font-size:12px;line-height:1.7;margin-top:17px;color:var(--muted)}
.fl-page .fl-result-note strong{color:var(--ink);font-weight:600}
.fl-page .fl-warning{font-size:12px;line-height:1.7;color:var(--warning);margin-top:15px}
.fl-page .fl-rate-comparison{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0 22px;margin-top:17px;border-top:1px solid var(--line-strong)}
.fl-page .fl-rate-comparison>div{display:flex;flex-wrap:wrap;justify-content:space-between;gap:7px;padding:10px 0;border-bottom:1px solid var(--line);font-size:12px}
.fl-page .fl-rate-comparison dt{color:var(--muted)}
.fl-page .fl-rate-comparison dd{font-weight:550;font-variant-numeric:tabular-nums}
.fl-page .fl-rate-comparison .is-selected{color:var(--accent)}
.fl-page .fl-rate-comparison .is-selected dt{color:var(--accent)}
.fl-page .fl-small-heading{font-size:12px;font-weight:550;margin-top:21px;line-height:1.6}
.fl-page .fl-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:22px}
.fl-page .fl-button{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:11px 16px;min-height:44px;border:1px solid var(--accent);background:var(--accent);color:white;font-size:13px;line-height:1.4;font-family:var(--sans);font-weight:550;cursor:pointer;border-radius:0;text-decoration:none}
.fl-page .fl-button:hover{background:var(--ink);border-color:var(--ink);color:white}
.fl-page .fl-button-secondary{background:transparent;border-color:var(--line-strong);color:var(--ink)}
.fl-page .fl-button-secondary:hover{color:var(--accent);background:var(--surface);border-color:var(--accent)}
.fl-page .fl-text-button{display:inline-flex;align-items:center;background:none;border:0;color:var(--muted);text-decoration:underline;text-underline-offset:4px;font-size:12px;min-height:44px;padding:10px 8px}
.fl-page button:disabled{cursor:not-allowed;opacity:.45}
.fl-page .fl-status{min-height:18px;margin-top:8px;font-size:12px;color:var(--muted);line-height:1.5}
.fl-page .fl-optional{border-bottom:1px solid var(--line);padding:0}
.fl-page .fl-optional>summary{cursor:pointer;display:flex;align-items:center;justify-content:space-between;gap:16px;padding:26px 0;list-style:none;min-height:92px}
.fl-page .fl-optional>summary::-webkit-details-marker{display:none}
.fl-page .fl-optional>summary:after{content:'+';font-size:23px;line-height:1;color:var(--accent);font-weight:400}
.fl-page .fl-optional[open]>summary:after{content:'−'}
.fl-page .fl-summary-heading{display:block;font-size:24px;font-weight:550;letter-spacing:-.03em;margin-top:6px;line-height:1.3}
.fl-page .fl-optional-tag{font:10px/1.5 var(--mono);letter-spacing:0;text-transform:none;color:var(--muted);margin-left:12px}
.fl-page .fl-optional-content{padding:0 0 30px;display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:40px 64px;align-items:start}
.fl-page .fl-progress-area{min-width:0}
.fl-page .fl-progress-heading{display:flex;justify-content:space-between;align-items:baseline;gap:14px;font-size:14px;line-height:1.5}
.fl-page .fl-progress-heading strong{font-size:28px;font-weight:550;letter-spacing:-.03em}
.fl-page progress{display:block;appearance:none;width:100%;height:7px;border:0;background:var(--line);margin:18px 0 19px;accent-color:var(--accent)}
.fl-page progress::-webkit-progress-bar{background:var(--line)}
.fl-page progress::-webkit-progress-value{background:var(--accent)}
.fl-page progress::-moz-progress-bar{background:var(--accent)}
.fl-page .fl-progress-figures{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;font-size:13px;color:var(--muted);line-height:1.8}
.fl-page .fl-progress-figures strong{color:var(--ink);font-weight:550}
.fl-page .fl-optional-note{font-size:12px;line-height:1.7;color:var(--muted);margin-top:14px}
.fl-page .fl-compare-inputs{display:grid;grid-template-columns:145px minmax(0,1fr);gap:18px}
.fl-page select{display:block;width:100%;height:48px;border:1px solid var(--line-strong);background:var(--surface);font-family:var(--sans);font-size:15px;color:var(--ink);padding:10px;max-width:100%}
.fl-page .fl-compare-bars{margin:0}
.fl-page .fl-bar-heading{display:flex;justify-content:space-between;align-items:baseline;gap:18px;font-size:13px;line-height:1.5}
.fl-page .fl-bar-heading strong{font-weight:550;font-variant-numeric:tabular-nums}
.fl-page .fl-bar-track{height:13px;background:var(--faint);margin:9px 0 21px}
.fl-page .fl-bar{display:block;background:var(--accent);width:0;height:100%;max-width:100%}
.fl-page .fl-bar-median{background:var(--muted)}
.fl-page .fl-compare-summary{font-size:14px;line-height:1.65;font-weight:550;margin-top:5px}
.fl-page .fl-compare-source{grid-column:1/-1;margin-top:-18px;font-size:11px;line-height:1.8;color:var(--muted)}
.fl-page .fl-share{border-top:1px solid var(--line-strong);margin-top:15px;padding-top:7px}
.fl-page .fl-share summary{font-size:12px;line-height:1.6;cursor:pointer;min-height:40px;padding:10px 0;color:var(--ink)}
.fl-page .fl-share p,.fl-page .fl-share label{font-size:12px;line-height:1.7;color:var(--muted)}
.fl-page .fl-share label{display:flex;gap:9px;align-items:flex-start;margin:12px 0 14px}
.fl-page .fl-share label input{margin-top:4px;flex-shrink:0}
.fl-page .fl-share .fl-button{padding:9px 13px;font-size:12px}
.fl-page .fl-copy-area{margin-top:13px}
.fl-page .fl-copy-area label{font-size:12px;font-weight:550;display:block;margin-bottom:6px}
.fl-page .fl-copy-area textarea{width:100%;border:1px solid var(--line-strong);font:12px/1.7 var(--mono);resize:vertical;min-height:90px;padding:10px;background:var(--surface);color:var(--ink)}
.fl-page .fl-footnotes{padding:29px 0 0}
.fl-page .fl-footnotes summary{font-size:14px;cursor:pointer;min-height:44px;padding:10px 0;font-weight:550}
.fl-page .fl-footnotes p{font-size:13px;line-height:1.85;color:var(--muted);margin:9px 0 14px;max-width:920px}
.fl-page .fl-source-list{margin-top:10px;display:grid;gap:12px}
.fl-page .fl-source-list a{font-size:13px;line-height:1.7}
.fl-page .fl-bottom-risk{padding:20px 0 30px;font-size:11px;color:var(--muted);line-height:1.85}
.fl-page .fl-links{padding:24px 0 45px}
.fl-page .fl-links h2{font-size:22px;font-weight:550;letter-spacing:-.025em;margin-bottom:17px}
.fl-page .fl-links-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}
.fl-page .fl-links-grid a{font-size:14px;line-height:1.6;text-decoration:none;border-top:1px solid var(--line-strong);padding-top:14px;display:flex;justify-content:space-between;gap:15px}
.fl-page .fl-links-grid span{color:var(--accent)}
.fl-page .fl-notice{font-size:13px;line-height:1.7;padding:14px 18px;border-left:2px solid var(--accent);margin-top:20px;background:var(--accent-soft)}
@media(min-width:1100px){.fl-page .fl-result{position:sticky;top:105px}}
@media(max-width:1000px){.fl-page .fl-calc-grid{gap:30px;grid-template-columns:minmax(0,1fr) minmax(320px,.9fr)}.fl-page .fl-detail-head{grid-template-columns:220px 1fr;gap:20px}.fl-page .fl-fields{grid-template-columns:1fr}.fl-page .fl-card{padding:20px 17px}.fl-page .fl-card-money strong{font-size:30px}.fl-page .fl-card input{right:16px;top:22px}.fl-page .fl-optional-content{gap:35px}.fl-page .fl-compare-inputs{grid-template-columns:1fr}.fl-page .fl-target{font-size:42px}}
@media(max-width:760px){
 .fl-page .fl-hero{padding-top:35px;padding-bottom:30px}.fl-page .fl-hero h1{margin-top:23px;font-size:44px;line-height:1.07}.fl-page .fl-deck{font-size:16px}.fl-page .fl-topline>.fl-button{font-size:11px;padding:8px 10px;min-height:38px}.fl-page .fl-topline{gap:13px}.fl-page .fl-household{gap:17px 25px}.fl-page .fl-section{padding:28px 0}.fl-page .fl-section-heading{margin-bottom:20px}.fl-page .fl-cards{grid-template-columns:1fr;gap:11px}.fl-page .fl-card{padding:17px 18px;display:grid;grid-template-columns:1fr auto;column-gap:14px}.fl-page .fl-card input{position:absolute;left:18px;top:21px;right:auto;width:15px;height:15px}.fl-page .fl-card-name{font-size:19px;margin:0;padding:0 0 0 25px;align-self:start}.fl-page .fl-card-money{grid-column:2;grid-row:1;gap:5px;justify-content:flex-end}.fl-page .fl-card-money strong{font-size:29px}.fl-page .fl-card-money small{font-size:10px}.fl-page .fl-annual{grid-column:2;text-align:right;font-size:10px;grid-row:2;margin-top:5px}.fl-page .fl-card-copy{grid-column:1/-1;margin-top:10px;max-width:none;font-size:13px;line-height:1.65}.fl-page .fl-detail-head{display:block;margin-bottom:18px}.fl-page .fl-detail-head p{margin-top:10px;font-size:13px}.fl-page .fl-detail-grid{grid-template-columns:1fr 1fr;gap:18px 22px}.fl-page .fl-detail-grid dd{font-size:12px}.fl-page .fl-source{margin-top:17px}.fl-page .fl-calc-grid{display:flex;flex-direction:column;gap:28px;padding:30px 0}.fl-page .fl-personal,.fl-page .fl-result{width:100%}.fl-page .fl-fields{grid-template-columns:1fr 1fr;gap:20px 15px}.fl-page .fl-field-wide{grid-column:1/-1}.fl-page .fl-result{padding:23px}.fl-page .fl-target{font-size:47px}.fl-page .fl-optional-content{grid-template-columns:1fr;gap:25px}.fl-page .fl-compare-inputs{grid-template-columns:120px minmax(0,1fr);gap:15px}.fl-page .fl-compare-source{margin-top:0}.fl-page .fl-summary-heading{font-size:23px}.fl-page .fl-optional>summary{padding:23px 0}.fl-page .fl-links-grid{grid-template-columns:1fr;gap:18px}.fl-page .fl-section h2,.fl-page .fl-personal h2{font-size:25px}
}
@media(max-width:380px){.fl-page .fl-hero h1{font-size:38px}.fl-page .fl-target{font-size:39px}.fl-page .fl-fields{grid-template-columns:1fr}.fl-page .fl-card-money strong{font-size:25px}.fl-page .fl-card-name{font-size:17px}.fl-page .fl-card-money small{display:none}.fl-page .fl-annual:after{content:' · annual'}.fl-page .fl-segments label span{padding:10px 13px}.fl-page .fl-compare-inputs{grid-template-columns:1fr}.fl-page .fl-result{padding:19px}.fl-page .fl-rate-comparison{column-gap:15px}}
@media(prefers-reduced-motion:reduce){.fl-page *{scroll-behavior:auto!important;transition:none!important}}
@media print{.fl-page .site-header,.fl-page .site-footer,.fl-page .fl-actions,.fl-page .fl-share,.fl-page .fl-links,.fl-page .fl-topline>.fl-button,.fl-page .fl-result-jump{display:none!important}.fl-page .fl-hero{padding-top:10px}.fl-page .site-shell{width:100%;max-width:none}.fl-page .fl-result{position:static;break-inside:avoid}.fl-page .fl-calc-grid{gap:25px}.fl-page .fl-card{break-inside:avoid}.fl-page .fl-optional:not([open]){display:none}}