.iht-planner-shell{--iht-surface: var(--bg-surface);--iht-surface-muted: var(--bg-page);--iht-surface-subtle: var(--bg-subtle);--iht-border: var(--border);--iht-border-strong: var(--border-strong);--iht-text: var(--text);--iht-text-secondary: var(--text-secondary);--iht-text-muted: var(--text-muted);--iht-focus: var(--teal);--iht-danger-bg: #fcebeb;--iht-space-1: 4px;--iht-space-2: 8px;--iht-space-3: 12px;--iht-space-4: 16px;--iht-space-5: 24px;--iht-space-6: 32px;--iht-stack-gap: var(--iht-space-3);--iht-peer-row-gap: var(--iht-space-3);--iht-section-nav-gap: var(--iht-space-2);--iht-section-nav-mt: var(--iht-space-5);background:transparent;color:var(--text);border-radius:0;padding:0;border:none}.iht-planner-shell .section-title{color:var(--iht-text)}.iht-planner-shell .section-title span{color:var(--teal)}.iht-planner-shell .section-sub{color:var(--iht-text-secondary)}.iht-plan-load-panel{background:var(--bg-surface);border:1px solid var(--border);border-radius:14px;margin-top:8px;max-width:36rem;padding:20px 22px}.iht-plan-load-panel--error{border-color:#b4505059}.iht-plan-load-panel__title{color:var(--text);font-size:1rem;font-weight:600;margin:0 0 8px}.iht-plan-load-panel__body{color:var(--text-secondary);font-size:.9rem;line-height:1.45;margin:0 0 14px}.iht-plan-load-panel .btn{margin-top:4px}.iht-planner-shell .form-label{color:var(--iht-text-secondary);display:inline-flex;align-items:center;gap:6px}.iht-planner-shell .form-label__text{display:inline}.iht-planner-shell .form-input{background:var(--iht-surface);border-color:var(--iht-border-strong);color:var(--iht-text)}.iht-planner-shell .form-input:focus{border-color:var(--iht-focus);box-shadow:0 0 0 3px #2e8b8b26}.iht-planner-shell .form-input::placeholder{color:var(--iht-text-muted)}.iht-planner-shell .form-input--invalid{border-color:var(--danger)}.iht-planner-shell .toggle-group{background:var(--iht-surface-subtle);border:1px solid var(--iht-border)}.iht-planner-shell .toggle-group--wrap{flex-wrap:wrap;max-width:100%}.iht-planner-shell .toggle-btn{color:var(--iht-text-secondary)}.iht-planner-shell .toggle-btn.active{background:var(--teal);color:var(--text-on-accent);box-shadow:none}.iht-planner-shell .card-title{color:var(--iht-text-secondary)}.iht-planner-shell .accordion-header,.iht-planner-shell .accordion-body{background:var(--iht-surface)}.iht-planner-shell .accordion-header{border-color:var(--iht-border)}.iht-planner-shell .accordion-header:hover{border-color:#2e8b8b59}.iht-planner-shell .accordion-header.open,.iht-planner-shell .accordion-body{border-color:var(--teal)}.iht-planner-shell .accordion-title{color:var(--iht-text)}.iht-planner-shell .accordion-summary{color:var(--iht-text-muted)}.iht-planner-shell .accordion-step{background:var(--iht-surface-subtle);border-color:var(--iht-border);color:var(--iht-text-muted)}.iht-planner-shell .stat-card{background:var(--iht-surface);border:1px solid var(--iht-border)}.iht-planner-shell .stat-value{color:var(--iht-text)}.iht-planner-shell .iht-result-label,.iht-planner-shell .iht-result-value{color:var(--iht-text-secondary)}.iht-planner-shell .iht-result-row.total span{color:var(--iht-text)!important}.iht-planner-shell .planner-subsection{margin-bottom:22px;padding:16px;background:var(--iht-surface-subtle);border:1px solid var(--iht-border);border-radius:var(--radius-md)}.iht-planner-shell .planner-subsection--attention{background:#e05c5c0f;border:1px solid rgba(224,92,92,.45);box-shadow:0 0 0 1px #e05c5c1f}.iht-planner-shell .planner-field-group--attention{padding:10px 12px;border-radius:var(--radius-md);background:#e05c5c0f;border:1px solid rgba(224,92,92,.45)}.iht-planner-shell .planner-subsection--summary{background:var(--iht-surface)}.iht-planner-shell .accordion-header--attention{border-color:#e05c5c73;background:#e05c5c0a}.iht-planner-shell .accordion-summary--attention{color:var(--danger);font-weight:500}.iht-planner-shell .accordion-step.attention{border-color:#e05c5c8c;color:var(--danger)}.iht-planner-shell .plan-toolbar.card,.iht-planner-shell .results-blocked-notice{width:100%;max-width:100%;box-sizing:border-box}.iht-planner-shell .results-blocked-notice{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-bottom:16px;padding:10px 14px;border:1px solid rgba(224,92,92,.25);border-radius:var(--radius-md);background:#e05c5c14;color:var(--iht-text-secondary);cursor:pointer;font:inherit;text-align:left;transition:border-color .18s ease,background .18s ease}.iht-planner-shell .results-blocked-notice__messages{display:flex;flex-direction:column;gap:4px;min-width:0}.iht-planner-shell .results-blocked-notice:focus-visible{outline:2px solid var(--danger);outline-offset:2px}.iht-planner-shell .results-blocked-notice:hover{border-color:#e05c5c73;background:#e05c5c1f}.iht-planner-shell .results-blocked-notice__message{font-size:.78rem;line-height:1.45}.iht-planner-shell .results-blocked-notice__action{flex-shrink:0;font-size:.82rem;font-weight:600;letter-spacing:.02em;color:var(--danger)}.iht-planner-shell tr.asset-row,.iht-planner-shell tr.named-money-row{display:table-row;margin:0}.iht-planner-shell .asset-row__label{font-size:.78rem;color:var(--iht-text, var(--text))}.iht-planner-shell .money-row-header{display:grid;grid-template-columns:2fr 1fr 70px;gap:4px 10px;margin-bottom:8px;font-size:.78rem;color:var(--iht-text-muted);text-transform:uppercase;letter-spacing:.08em}.iht-planner-shell .named-money-row--liability{background:#e05c5c0a;border-radius:4px}.iht-planner-shell .input-affix{position:absolute;top:50%;transform:translateY(-50%);color:var(--iht-text-muted);font-size:.75rem;pointer-events:none}.iht-planner-shell .input-affix--left{left:8px}.iht-planner-shell .input-affix--right{right:8px}.iht-planner-shell .row-remove-btn{height:32px;width:28px;background:transparent;border:1px solid rgba(224,92,92,.35);border-radius:4px;color:var(--danger);cursor:pointer;font-size:1rem;display:flex;align-items:center;justify-content:center}.iht-planner-shell .dashed-add-btn{background:transparent;color:var(--teal);border:1px dashed rgba(46,139,139,.45);border-radius:4px;padding:4px 12px;font-size:.82rem;line-height:1.25;cursor:pointer;margin-top:0;margin-bottom:0;height:1.75rem;box-sizing:border-box}.iht-planner-shell .dashed-add-btn--liability{color:var(--danger);border-color:#e05c5c66}.iht-planner-shell .readonly-field{display:flex;align-items:center;justify-content:space-between;min-height:38px;padding:8px 11px;background:var(--iht-surface-subtle);border:1px solid var(--iht-border);border-radius:var(--radius-sm)}.iht-planner-shell .readonly-field__value{font-family:var(--font-body);font-size:.88rem;color:var(--iht-text);font-variant-numeric:tabular-nums}.iht-planner-shell .readonly-field__suffix{font-size:.75rem;color:var(--iht-text-muted)}.iht-planner-shell .field-hint{font-size:.82rem;color:var(--iht-text-muted);margin-top:5px}.iht-planner-shell .field-error{font-size:.75rem;color:var(--danger);margin-top:6px}.iht-planner-shell .info-notice{margin-bottom:16px;padding:10px 12px;border:1px solid var(--iht-border);border-radius:var(--radius-sm);background:var(--iht-surface-subtle)}.iht-planner-shell .info-notice__text{margin:0;font-size:.75rem;line-height:1.45;color:var(--iht-text-muted)}.iht-planner-shell .rnrb-control{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:38px;padding:6px 10px;background:var(--iht-surface-subtle);border:1px solid var(--iht-border);border-radius:var(--radius-sm)}.iht-planner-shell .rnrb-control__value{font-family:var(--font-body);font-size:.82rem;flex-shrink:0;font-variant-numeric:tabular-nums}.iht-planner-shell .reliefs-summary{margin-top:12px}.iht-planner-shell .reliefs-summary__row{display:flex;justify-content:space-between;align-items:center;margin-top:4px;padding:10px 14px;background:var(--iht-surface-subtle);border-radius:6px;font-size:.78rem;color:var(--iht-text-secondary)}.iht-planner-shell .reliefs-summary__value{font-family:var(--font-body);font-variant-numeric:tabular-nums}.iht-planner-shell .reliefs-summary__note{margin:6px 0 0;font-size:.82rem;color:var(--iht-text-muted)}.iht-planner-shell .allocation-cap-note{margin-bottom:12px;color:var(--teal);font-family:var(--font-body);font-size:.82rem}.iht-planner-shell .allocation-option-card__header{display:flex;justify-content:space-between;align-items:center;gap:8px;margin-bottom:12px}.iht-planner-shell .alb-rate-badge{font-size:.75rem;color:var(--iht-text-secondary);white-space:nowrap}.iht-planner-shell .allocation-totals{padding:10px 14px;background:var(--iht-surface-subtle);border-radius:6px;font-size:.8rem;margin-bottom:4px}.iht-planner-shell .allocation-totals .iht-result-label{display:inline-flex;align-items:center;gap:6px}.iht-planner-shell .source-of-funds-list{display:flex;flex-direction:column;gap:12px}.iht-planner-shell .source-of-funds-row{padding:12px 14px;border:1px solid var(--iht-border);border-radius:var(--radius-sm);background:var(--iht-surface)}.iht-planner-shell .source-of-funds-row.is-invalid{border-color:var(--danger)}.iht-planner-shell .source-of-funds-row__label{font-size:.82rem;font-weight:600;color:var(--iht-text);margin-bottom:6px}.iht-planner-shell .source-of-funds-row__meta{display:flex;flex-wrap:wrap;gap:12px 18px;font-size:.82rem;color:var(--iht-text-muted);margin-bottom:8px}.iht-planner-shell .source-of-funds-row__mono{font-family:var(--font-body);color:var(--iht-text);font-weight:500;font-variant-numeric:tabular-nums}.iht-planner-shell .source-of-funds-row__mono.is-danger{color:var(--danger)}.iht-planner-shell .estate-summary{border:1px solid var(--iht-border);border-radius:var(--radius-md);overflow:hidden}.iht-planner-shell .estate-summary__row{display:flex;justify-content:space-between;align-items:center;padding:10px 14px;font-size:.8rem;color:var(--iht-text-secondary);background:var(--iht-surface)}.iht-planner-shell .estate-summary__row+.estate-summary__row{border-top:1px solid var(--iht-border)}.iht-planner-shell .estate-summary__value{font-family:var(--font-body);color:var(--iht-text);font-variant-numeric:tabular-nums}.iht-planner-shell .estate-summary__row--net{border-top:2px solid var(--iht-border-strong);font-weight:700;color:var(--iht-text);background:var(--iht-surface-subtle)}.iht-planner-shell .estate-summary__row--net .estate-summary__value{font-size:1rem;font-weight:700}.iht-planner-shell .estate-summary__row--net.is-negative,.iht-planner-shell .estate-summary__row--net.is-negative .estate-summary__value{color:var(--danger);background:var(--iht-danger-bg)}.iht-planner-shell .iht-planner-fieldset{border:none;margin:0;padding:0;min-width:0}.iht-planner-shell .help-tip{position:relative;display:inline-flex;vertical-align:middle}.iht-planner-shell .help-tip__trigger{width:18px;height:18px;border-radius:50%;border:1px solid var(--iht-border-strong);background:var(--iht-surface);color:var(--iht-text-secondary);font-size:.82rem;font-weight:700;line-height:1;cursor:pointer;padding:0;display:inline-flex;align-items:center;justify-content:center}.iht-planner-shell .help-tip__trigger:focus-visible{outline:2px solid var(--iht-focus);outline-offset:2px}.help-tip__panel{box-sizing:border-box;width:max-content;max-width:min(320px,calc(100vw - 20px));padding:10px 12px;background:var(--iht-surface, var(--bg-surface));color:var(--iht-text, var(--text));border:1px solid var(--iht-border-strong, var(--border-strong));border-radius:var(--radius-md);box-shadow:0 12px 32px #0616332e;font-family:var(--font-body);font-size:.82rem;font-weight:400;letter-spacing:normal;text-transform:none;line-height:1.45;white-space:normal;overflow-wrap:anywhere;word-break:break-word;pointer-events:auto}.iht-planner-shell .results-incomplete{margin:0;font-size:.8rem;color:var(--iht-text-muted)}.iht-planner-shell .results-pension-note{margin:0 0 16px;font-size:.82rem;color:var(--iht-text-muted)}.iht-planner-shell .results-disclaimer,.iht-planner-shell .info-notice--results-disclaimer{margin:14px 0 0;padding:10px 12px;border:1px solid rgba(107,122,144,.22);border-radius:var(--iht-radius-sm, 8px);background:#06163308}.iht-planner-shell .info-notice--results-disclaimer .info-notice__text{margin:0;font-size:.82rem;line-height:1.45;color:var(--iht-text-muted, var(--slate))}.iht-planner-shell .results-br-comparison__hint{display:none}.iht-planner-shell .info-notice--results-warning{border-color:#e05c5c59;background:#e05c5c0f}.iht-planner-shell .results-warnings .info-notice+.info-notice{margin-top:8px}@media (max-width: 720px){.iht-planner-shell{padding:14px}.iht-planner-shell .planner-subsection{padding:12px}}.iht-planner-shell{--iht-elev-sm: 0 1px 2px rgba(6, 22, 51, .05);--iht-radius: 10px;--iht-radius-sm: 8px;--iht-motion: .18s ease;--iht-input-sm: 72px;--iht-input-money: 132px;--iht-input-name: 220px;--iht-col-label: minmax(7.5rem, 1fr);--iht-col-value: 7.5rem;--iht-col-growth: 4.25rem;--iht-primary-columns: minmax(0, 1fr) minmax(0, 1fr);--iht-primary-column-gap: 14px;--iht-reliefs-peer-header-height: 2rem;--iht-reliefs-peer-header-gap: 8px;--iht-reliefs-control-label-gap: 4px;--iht-reliefs-input-height: 32px;--iht-reliefs-peer-caption-gap: 6px;--iht-reliefs-peer-caption-lines: 2.35rem;--iht-reliefs-peer-body-min-height: calc( 1.15rem + var(--iht-reliefs-control-label-gap) + var(--iht-reliefs-input-height) + var(--iht-reliefs-peer-caption-gap) + var(--iht-reliefs-peer-caption-lines) );--iht-reliefs-peer-min-height: calc( 8px + 8px + var(--iht-reliefs-peer-header-height) + var(--iht-reliefs-peer-header-gap) + var(--iht-reliefs-peer-body-min-height) );box-sizing:border-box;min-width:0;max-width:100%;width:100%}.iht-planner-shell .section-title{font-size:1.28rem;margin-bottom:2px}.iht-planner-shell .section-sub{margin-bottom:10px;font-size:.82rem}.iht-planner-shell .iht-stage{margin-bottom:8px;border-radius:var(--iht-radius);border:1px solid var(--iht-border, var(--border));background:var(--iht-surface, var(--bg-surface));overflow:hidden;box-shadow:none;isolation:isolate}.iht-planner-shell .iht-stage--open{position:relative;z-index:3;border-color:#2e8b8b59;box-shadow:var(--iht-elev-sm)}.iht-planner-shell .iht-stage__header{width:100%;display:flex;align-items:center;justify-content:space-between;gap:10px;background:linear-gradient(180deg,#f7fbfd,#eef5f9);border:none;border-bottom:1px solid transparent;border-radius:var(--iht-radius) var(--iht-radius) 0 0;padding:10px 14px;cursor:pointer;-webkit-user-select:none;user-select:none;color:var(--navy);transition:background var(--iht-motion),border-color var(--iht-motion);box-shadow:none}.iht-planner-shell .iht-stage__header:hover{background:linear-gradient(180deg,#f0f7fb,#e6f0f6)}.iht-planner-shell .iht-stage__header.open{border-bottom-color:var(--iht-border, var(--border));background:#f3f8fb;border-bottom-left-radius:0;border-bottom-right-radius:0}.iht-planner-shell .iht-stage:not(.iht-stage--open) .iht-stage__header{border-radius:var(--iht-radius);border-bottom-color:transparent}.iht-planner-shell .iht-stage__header:focus-visible{outline:2px solid var(--sky);outline-offset:-2px}.iht-planner-shell .accordion-header--attention,.iht-planner-shell .iht-stage__header.accordion-header--attention{background:#e05c5c0f;border-bottom-color:#e05c5c40}.iht-planner-shell .iht-stage__header-left{display:flex;align-items:center;gap:10px;min-width:0}.iht-planner-shell .iht-stage__titles{min-width:0;flex:1 1 auto}.iht-planner-shell .iht-stage__step{width:26px;height:26px;border-radius:50%;background:#7eb8d429;border:1px solid rgba(126,184,212,.45);color:var(--navy);font-size:.82rem;font-weight:600;display:flex;align-items:center;justify-content:center;flex-shrink:0}.iht-planner-shell .iht-stage__step.active{color:var(--navy);background:#7eb8d452;border-color:var(--sky)}.iht-planner-shell .iht-stage__step.done{background:var(--teal);border-color:var(--teal);color:var(--white)}.iht-planner-shell .iht-stage__title{font-size:.9rem;font-weight:600;color:var(--navy);letter-spacing:.01em}.iht-planner-shell .iht-stage__summary{margin-top:2px;font-size:.82rem;color:var(--iht-text-muted, var(--slate));white-space:nowrap;overflow:hidden;text-overflow:ellipsis;max-width:min(56vw,480px)}.iht-planner-shell .iht-stage__chevron{font-size:.78rem;color:var(--slate);flex-shrink:0}.iht-planner-shell .iht-stage__body{background:var(--bg-surface);border:none;border-radius:0 0 var(--iht-radius) var(--iht-radius);padding:12px 14px 14px;animation:iht-stage-in .18s ease}@keyframes iht-stage-in{0%{opacity:0;transform:translateY(-2px)}to{opacity:1;transform:translateY(0)}}.iht-planner-shell .accordion-header{box-shadow:none;border:none}.iht-planner-shell .iht-stage__header.accordion-header{background:linear-gradient(180deg,#f7fbfd,#eef5f9)}.iht-planner-shell .iht-stage__header.accordion-header:hover{background:linear-gradient(180deg,#f0f7fb,#e6f0f6)}.iht-planner-shell .iht-stage__header.accordion-header.open{background:#f3f8fb;border:none;border-color:transparent;border-bottom:1px solid var(--iht-border, var(--border));border-bottom-left-radius:0;border-bottom-right-radius:0}.iht-planner-shell .accordion-header.open{border:none;border-color:transparent}.iht-planner-shell .accordion-body{border:none;background:var(--bg-surface);border-radius:0 0 var(--iht-radius) var(--iht-radius)}.iht-planner-shell .accordion-title{color:var(--navy)}.iht-planner-shell .iht-dense-stack{display:flex;flex-direction:column;gap:var(--iht-stack-gap)}.iht-planner-shell .iht-dense-hint{margin:0;font-size:.82rem;line-height:1.35}.visually-hidden{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.iht-planner-shell .iht-block{border:1px solid var(--iht-border, var(--border));border-radius:var(--iht-radius-sm);padding:8px 10px;background:var(--bg-surface)}.iht-planner-shell .iht-block--attention{border-color:#e05c5c73;background:#e05c5c0a}.iht-planner-shell .iht-block__head{display:flex;align-items:center;gap:6px;margin-bottom:6px}.iht-planner-shell .iht-block__title{font-size:.82rem;font-weight:600;letter-spacing:.07em;text-transform:uppercase;color:var(--text-secondary, var(--slate))}.iht-planner-shell .form-group{margin-bottom:6px}.iht-planner-shell .form-input{max-width:100%;height:32px;font-family:var(--font-body);font-variant-numeric:tabular-nums;font-size:.8rem;padding:4px 8px}.iht-planner-shell .form-input--sm{max-width:var(--iht-input-sm);width:100%}.iht-planner-shell .form-input--money{max-width:var(--iht-input-money);width:100%;padding-left:20px}.iht-planner-shell .form-input--name{max-width:none;width:100%}.iht-planner-shell .form-input--md{max-width:var(--iht-input-money);width:100%}.iht-planner-shell .readonly-field--sm{max-width:var(--iht-input-sm);min-height:32px;padding:4px 8px}.iht-planner-shell .iht-client-band{display:grid;grid-template-columns:var(--iht-primary-columns);grid-template-areas:"identity ages" "marital widowed";column-gap:var(--iht-primary-column-gap);row-gap:var(--iht-peer-row-gap);align-items:start;padding:0;border:none;border-radius:0;background:none;box-shadow:none}.iht-planner-shell .iht-client-band--no-identity{grid-template-areas:"marital ages"}.iht-planner-shell .iht-client-band__identity{grid-area:identity;display:flex;flex-direction:column;gap:8px;align-items:stretch;min-width:0;width:100%}.iht-planner-shell .iht-client-band__marital{grid-area:marital;display:flex;flex-direction:column;gap:8px;min-width:0;width:100%}.iht-planner-shell .iht-client-band__identity .form-group,.iht-planner-shell .iht-client-band__marital .form-group{margin-bottom:0;width:100%}.iht-planner-shell .iht-client-band__identity>.iht-block{width:100%;align-self:stretch;box-sizing:border-box}.iht-planner-shell .iht-client-band__marital .iht-widowed-pcts{grid-area:auto;width:100%}.iht-planner-shell .iht-age-timeline{grid-area:ages;display:flex;flex-direction:column;gap:6px;min-width:0;width:100%;align-self:start;height:auto;padding:8px 10px;border-radius:10px;border:1px solid rgba(126,184,212,.35);background:#f7fbfd;box-shadow:none}.iht-planner-shell .iht-age-timeline--invalid{border-color:#e05c5c73;background:#e05c5c0a}.iht-planner-shell .iht-age-timeline__head{display:flex;align-items:center;justify-content:space-between;gap:8px}.iht-planner-shell .iht-age-timeline__kicker{font-size:.78rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--teal)}.iht-planner-shell .iht-age-timeline__hint{font-size:.78rem;font-weight:500;color:var(--text-muted, var(--slate-light));padding:2px 7px;border-radius:999px;background:#0616330a;border:1px solid rgba(6,22,51,.06)}.iht-planner-shell .iht-age-timeline__track{display:flex;align-items:flex-end;gap:4px;min-width:0}.iht-planner-shell .iht-age-cell{display:flex;flex-direction:column;gap:4px;min-width:0}.iht-planner-shell .iht-age-cell .form-label{margin:0;font-size:.72rem;gap:3px}.iht-planner-shell .iht-age-cell .form-label__text{color:var(--text-secondary, var(--slate));font-weight:500;letter-spacing:.02em;line-height:1.2;white-space:normal}.iht-planner-shell .iht-age-cell__field{display:flex;align-items:center;gap:4px;height:38px;width:100px;padding:0 8px 0 6px;border-radius:9px;border:1px solid rgba(126,184,212,.45);background:#fff;box-shadow:0 1px 2px #0616330a;transition:border-color .15s ease,box-shadow .15s ease}.iht-planner-shell .iht-age-cell__field:focus-within{border-color:var(--sky);box-shadow:0 0 0 3px #7eb8d438}.iht-planner-shell .iht-age-cell__input{flex:1 1 auto;min-width:0;width:auto;max-width:none;height:34px!important;border:none!important;box-shadow:none!important;background:transparent!important;padding:0 2px!important;text-align:center;font-family:var(--font-body);font-variant-numeric:tabular-nums;font-size:1.05rem!important;font-weight:600;color:var(--navy);line-height:1}.iht-planner-shell .iht-age-cell__input:focus{outline:none}.iht-planner-shell .iht-age-cell__unit{flex-shrink:0;font-size:.78rem;font-weight:600;letter-spacing:.04em;text-transform:uppercase;color:var(--text-muted, var(--slate-light))}.iht-planner-shell .iht-age-timeline__join{display:flex;align-items:center;justify-content:center;gap:0;flex:0 0 auto;width:100px;height:38px;margin-bottom:0;opacity:.85}.iht-planner-shell .iht-age-timeline__dot{width:5px;height:5px;border-radius:50%;background:var(--sky);flex-shrink:0}.iht-planner-shell .iht-age-timeline__line{flex:1 1 auto;height:2px;background:linear-gradient(90deg,var(--sky),var(--teal));opacity:.55}.iht-planner-shell .iht-age-timeline__arrow{width:0;height:0;border-top:4px solid transparent;border-bottom:4px solid transparent;border-left:6px solid var(--teal);margin-left:1px}.iht-planner-shell .iht-age-cell--result{flex:0 0 auto;min-width:0}.iht-planner-shell .iht-age-cell__result{display:flex;align-items:center;justify-content:center;gap:4px;height:38px;width:100px;padding:0 10px;border-radius:9px;border:1px solid rgba(46,139,139,.35);background:linear-gradient(160deg,#2e8b8b1f,#7eb8d41f)}.iht-planner-shell .iht-age-cell__horizon{font-family:var(--font-body);font-size:1.15rem;font-weight:700;color:var(--teal);line-height:1;letter-spacing:-.02em;font-variant-numeric:tabular-nums}.iht-planner-shell .iht-age-cell--result .iht-age-cell__unit{color:var(--teal);opacity:.8}.iht-planner-shell .iht-age-timeline__caption{margin:0;font-size:.82rem;line-height:1.3;color:var(--text-muted, var(--slate-light))}.iht-planner-shell .iht-age-timeline .field-error{margin:0;font-size:.82rem}.iht-planner-shell .iht-age-timeline.planner-field-group--attention{padding:8px 10px}.iht-planner-shell .iht-totals-strip{display:flex;flex-wrap:wrap;align-items:center;gap:8px 18px;padding:8px 12px;border-radius:var(--iht-radius-sm);border:1px solid rgba(126,184,212,.35);background:linear-gradient(90deg,#7eb8d41a,#2e8b8b0f)}.iht-planner-shell .iht-totals-strip__title{display:flex;align-items:center;gap:4px;font-size:.78rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--text-secondary, var(--slate));margin-right:4px}.iht-planner-shell .iht-totals-strip__item{display:flex;align-items:baseline;gap:6px}.iht-planner-shell .iht-totals-strip__label{font-size:.82rem;color:var(--text-secondary, var(--slate))}.iht-planner-shell .iht-totals-strip__value{font-family:var(--font-body);font-size:.88rem;font-weight:500;color:var(--sky);font-variant-numeric:tabular-nums}.iht-planner-shell .iht-totals-strip__item--net .iht-totals-strip__value{color:var(--teal);font-size:.95rem;font-weight:600}.iht-planner-shell .iht-totals-strip__item--net.is-negative .iht-totals-strip__value{color:var(--danger)}.iht-planner-shell .iht-totals-strip__value--teal{color:var(--teal)}.iht-planner-shell .iht-totals-strip__value--danger{color:var(--danger)}.iht-planner-shell .iht-totals-strip__note{width:100%;margin:0;font-size:.82rem;color:var(--text-muted, var(--slate-light))}.iht-planner-shell .iht-estate-duo+.iht-estate-total{margin-top:-2px}.iht-planner-shell .iht-estate-total{display:flex;flex-wrap:wrap;align-items:baseline;justify-content:flex-start;gap:6px 12px;width:100%;box-sizing:border-box;margin:0;padding:12px 0 4px;border:none;border-top:1px solid 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.iht-estate-duo{display:grid;grid-template-columns:var(--iht-primary-columns);column-gap:var(--iht-primary-column-gap);row-gap:var(--iht-peer-row-gap);align-items:start}.iht-planner-shell .iht-money-grid{width:100%;border-collapse:collapse;table-layout:fixed;margin:0 0 6px}.iht-planner-shell .iht-money-grid thead{display:table-header-group}.iht-planner-shell .iht-money-grid tbody{display:table-row-group}.iht-planner-shell .iht-money-grid tr{display:table-row}.iht-planner-shell .iht-money-grid th,.iht-planner-shell .iht-money-grid td{display:table-cell;padding:2px 8px;vertical-align:middle;box-sizing:border-box}.iht-planner-shell .iht-money-grid thead th{padding:6px 8px 8px;border-bottom:1px solid var(--border);font-size:.68rem;font-weight:600;letter-spacing:.04em;text-transform:uppercase;color:var(--text-muted, var(--slate-light));text-align:left;white-space:normal;line-height:1.25;vertical-align:middle;box-sizing:border-box}.iht-planner-shell .iht-money-grid .iht-money-grid__col--label,.iht-planner-shell .iht-money-grid .asset-row__label,.iht-planner-shell .iht-money-grid .named-money-row__name{width:auto;min-width:0}.iht-planner-shell .iht-money-grid .iht-money-grid__col--value,.iht-planner-shell .iht-money-grid .asset-row__cell--value,.iht-planner-shell .iht-money-grid .named-money-row__cell--value{width:var(--iht-input-money, 132px);max-width:var(--iht-input-money, 132px)}.iht-planner-shell .iht-money-grid{--iht-money-grid-rate-col: 8rem}.iht-planner-shell .iht-money-grid .iht-money-grid__col--growth,.iht-planner-shell .iht-money-grid .asset-row__cell--growth,.iht-planner-shell .iht-money-grid .named-money-row__cell--growth{width:var(--iht-money-grid-rate-col);max-width:var(--iht-money-grid-rate-col);min-width:var(--iht-money-grid-rate-col)}.iht-planner-shell .iht-money-grid thead th.iht-money-grid__col--growth{overflow-wrap:normal;word-break:normal;-webkit-hyphens:manual;hyphens:manual}.iht-planner-shell .iht-money-grid col.iht-money-grid__col--label{width:auto}.iht-planner-shell .iht-money-grid col.iht-money-grid__col--value{width:var(--iht-input-money, 132px)}.iht-planner-shell .iht-money-grid col.iht-money-grid__col--growth{width:var(--iht-money-grid-rate-col)}.iht-planner-shell .iht-money-grid col.iht-money-grid__col--remove{width:44px}.iht-planner-shell .asset-row__label{font-size:.78rem;font-weight:500;color:var(--text);line-height:1.25;text-align:left}.iht-planner-shell .asset-row__control,.iht-planner-shell .num-input__control{position:relative;display:block;width:100%}.iht-planner-shell .iht-money-grid .form-input,.iht-planner-shell .asset-row__input{height:30px;font-size:.78rem;width:100%;max-width:100%;box-sizing:border-box}.iht-planner-shell .asset-row__cell--value .form-input,.iht-planner-shell .named-money-row__cell--value .form-input{padding-left:18px;padding-right:6px}.iht-planner-shell .asset-row__cell--growth .form-input,.iht-planner-shell .named-money-row__cell--growth 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14px;align-items:flex-start;justify-content:flex-start;margin:0;padding:0;border:none;background:none;min-width:0;max-width:100%}.iht-planner-shell .iht-widowed-pcts__field{display:flex;flex-direction:column;gap:3px;min-width:0;flex:0 1 auto}.iht-planner-shell .iht-widowed-pcts__field .form-label{margin:0;text-transform:none;letter-spacing:.01em;font-size:.75rem;font-weight:500;white-space:normal}.iht-planner-shell .iht-widowed-pcts__field .form-label__text{color:var(--text-secondary, var(--slate));text-transform:none;white-space:normal;line-height:1.2}.iht-planner-shell .iht-widowed-pcts__control{position:relative;display:flex;align-items:center;width:10.5rem;max-width:100%}.iht-planner-shell .iht-widowed-pcts__control .form-input--pct{width:100%;height:30px;padding-right:1.75rem;box-sizing:border-box}.iht-planner-shell 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.iht-withdrawal-panel>.iht-withdrawal-panel__head{justify-content:space-between}.iht-planner-shell .iht-withdrawal-panel__head .iht-block__title{flex:0 1 auto;min-width:0}.iht-planner-shell .iht-withdrawal-panel__mode{margin:0 0 0 auto;flex:0 0 auto}.iht-planner-shell .iht-inline-fields{display:flex;flex-wrap:wrap;gap:8px 12px;align-items:flex-start;min-height:var(--iht-reliefs-peer-body-min-height);flex:1 1 auto}.iht-planner-shell .iht-inline-field{display:flex;flex-direction:column;align-items:flex-start;gap:var(--iht-reliefs-control-label-gap);min-width:0;flex:0 0 auto}.iht-planner-shell .iht-inline-field .form-label,.iht-planner-shell .iht-inline-field label{margin:0;flex:0 1 auto;white-space:nowrap;text-align:left;line-height:1.15rem;min-height:1.15rem}.iht-planner-shell .iht-inline-field .help-tip,.iht-planner-shell .form-label .help-tip{white-space:normal}.iht-planner-shell .iht-inline-field__control{position:relative;display:flex;align-items:center;gap:8px;flex:0 0 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1 auto}.iht-planner-shell .iht-withdrawal-panel__idle{margin:0;padding:0;font-size:.82rem;line-height:1.35;color:var(--iht-text-muted);background:none;border:none;border-radius:0;min-height:0;text-align:left}.iht-planner-shell .iht-withdrawal-panel__idle-line{display:block}.iht-planner-shell .iht-withdrawal-panel__idle-line+.iht-withdrawal-panel__idle-line{margin-top:2px}.iht-planner-shell .iht-withdrawal-panel__idle strong{color:var(--iht-text-secondary);font-weight:600}.iht-planner-shell .iht-withdrawal-panel__body{display:flex;flex-direction:column;gap:var(--iht-reliefs-peer-caption-gap);min-width:0;min-height:0}.iht-planner-shell .iht-withdrawal-panel__alerts{min-height:0}.iht-planner-shell .iht-withdrawal-panel__alerts .field-error{margin:0;line-height:1.25;font-size:.78rem}.iht-planner-shell .iht-withdrawal-panel__alerts .field-error.is-empty{display:none}.iht-planner-shell .iht-withdrawal-panel__fields{display:flex;flex-wrap:wrap;align-items:flex-start;gap:8px 12px}.iht-planner-shell .iht-withdrawal-field{display:flex;flex-direction:column;align-items:flex-start;gap:var(--iht-reliefs-control-label-gap);flex:0 0 auto;min-width:0}.iht-planner-shell .iht-withdrawal-field .form-label,.iht-planner-shell .iht-withdrawal-field label{margin:0;text-align:left;white-space:nowrap;line-height:1.15rem;min-height:1.15rem}.iht-planner-shell .iht-withdrawal-field__control{position:relative;display:flex;align-items:center;flex:0 0 auto;width:auto;min-height:var(--iht-reliefs-input-height)}.iht-planner-shell .iht-withdrawal-field__control .form-input{height:var(--iht-reliefs-input-height);box-sizing:border-box;font-variant-numeric:tabular-nums}.iht-planner-shell .iht-withdrawal-field__control--money{width:var(--iht-input-money)}.iht-planner-shell .iht-withdrawal-field__control--money .form-input,.iht-planner-shell .iht-withdrawal-field__control--money 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var(--btn-secondary-border);color:var(--btn-secondary-text)}.btn-secondary:hover{background:var(--btn-secondary-bg-hover);color:var(--btn-secondary-text);box-shadow:0 2px 10px #7eb8d433}.btn-secondary:active{background:var(--btn-secondary-bg-active);transform:translateY(1px)}.btn-secondary:focus-visible{outline:2px solid var(--sky);outline-offset:2px}.btn-ghost{align-items:center;background:var(--btn-secondary-bg);border:1px solid var(--btn-secondary-border);border-radius:var(--btn-radius);color:var(--btn-secondary-text);cursor:pointer;display:inline-flex;font-size:.95rem;letter-spacing:normal;line-height:1.2;padding:var(--btn-pad-y) var(--btn-pad-x);transition:border-color .18s ease,color .18s ease,background .18s ease,box-shadow .18s ease,transform .15s ease}.btn-ghost:hover:not(:disabled){background:var(--btn-secondary-bg-hover);box-shadow:0 2px 10px #7eb8d433}.btn-ghost:active:not(:disabled){background:var(--btn-secondary-bg-active);transform:translateY(1px)}.btn-ghost:focus-visible{outline:2px solid var(--sky);outline-offset:2px}.btn-ghost:disabled{cursor:not-allowed;opacity:.7}.btn-danger{align-items:center;background:#e05c5c14;border:1px solid rgba(224,92,92,.35);border-radius:var(--btn-radius);color:var(--danger);cursor:pointer;display:inline-flex;font-size:.95rem;justify-content:center;letter-spacing:normal;line-height:1.2;padding:var(--btn-pad-y) var(--btn-pad-x);transition:background .18s ease,border-color .18s ease,color .18s ease,box-shadow .18s ease,transform .15s ease}.btn-danger:hover:not(:disabled){background:#e05c5c29;border-color:var(--danger)}.btn-danger:active:not(:disabled){background:#e05c5c38;transform:translateY(1px)}.btn-danger:focus-visible{outline:2px solid var(--danger);outline-offset:2px}.btn-danger:disabled{cursor:not-allowed;opacity:.7}.divider{border:none;border-top:1px solid rgba(126,184,212,.1);margin:18px 0}.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:16px}.grid-3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:16px}.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.iht-result-row{display:flex;justify-content:space-between;align-items:center;padding:7px 0;border-bottom:1px solid rgba(126,184,212,.07);font-size:.82rem}.iht-result-row:last-child{border-bottom:none}.iht-result-label{color:var(--slate)}.iht-result-value{font-family:var(--font-body);font-size:1rem;font-weight:500;color:var(--text);font-variant-numeric:tabular-nums}.iht-result-value.danger{color:var(--danger)}.iht-result-value.success{color:var(--success)}.iht-result-value.sky{color:var(--sky)}.iht-result-value.teal{color:var(--teal)}.iht-result-row.total{padding-top:11px;margin-top:4px;border-top:1px solid rgba(126,184,212,.15);border-bottom:none;font-weight:600}.pill{display:inline-block;padding:3px 10px;border-radius:20px;font-size:.82rem;font-weight:500;letter-spacing:.06em}.pill-current{background:#4caf7d2e;color:var(--success);border:1px solid rgba(76,175,125,.3)}.pill-maturing{background:#e05c5c2e;color:var(--danger);border:1px solid rgba(224,92,92,.3)}.chart-wrap{position:relative;background:var(--bg-surface);border:1px solid var(--border);border-radius:var(--radius-lg);padding:20px;box-shadow:var(--shadow-sm)}.collapse-toggle{display:flex;align-items:center;gap:8px;background:none;border:none;color:var(--sky);font-size:.8rem;font-weight:500;cursor:pointer;padding:4px 0;margin-bottom:14px;letter-spacing:.04em}.collapse-toggle:hover{color:var(--text)}.tag{display:inline-block;padding:2px 8px;border-radius:4px;font-size:.82rem;letter-spacing:.08em;text-transform:uppercase;font-weight:500}.tag-commercial{background:#7eb8d426;color:var(--sky)}.tag-residential{background:#2e8b8b2e;color:var(--teal)}.tag-development{background:#f0c04026;color:#f0c040}.text-sky{color:var(--sky)}.text-teal{color:var(--teal)}.text-slate{color:var(--slate)}.text-danger{color:var(--danger)}.text-success{color:var(--success)}.mt-4{margin-top:4px}.mt-8{margin-top:8px}.mt-12{margin-top:12px}.mt-16{margin-top:16px}.mt-24{margin-top:24px}.mt-32{margin-top:32px}.mb-4{margin-bottom:4px}.mb-8{margin-bottom:8px}.mb-12{margin-bottom:12px}.mb-16{margin-bottom:16px}.mb-24{margin-bottom:24px}.flex{display:flex}.flex-center{display:flex;align-items:center}.flex-between{display:flex;align-items:center;justify-content:space-between}.accordion-section{margin-bottom:10px}.accordion-header{display:flex;align-items:center;justify-content:space-between;width:100%;box-sizing:border-box;background:var(--bg-surface);border:1px solid var(--border);box-shadow:var(--shadow-sm);border-radius:var(--radius-lg);padding:16px 22px;cursor:pointer;-webkit-user-select:none;user-select:none;transition:border-color .2s;font:inherit;color:inherit;text-align:left}.accordion-header:hover{border-color:#7eb8d440}.accordion-header:focus-visible{outline:2px solid var(--teal, #2e8b8b);outline-offset:2px}.accordion-header.open{border-color:var(--teal);border-bottom-left-radius:0;border-bottom-right-radius:0}.accordion-header-left{display:flex;align-items:center;gap:12px;min-width:0}.accordion-step{width:24px;height:24px;border-radius:50%;background:var(--navy-light);border:1px solid rgba(126,184,212,.2);display:flex;align-items:center;justify-content:center;font-size:.82rem;font-weight:600;color:var(--slate);flex-shrink:0}.accordion-step.done{background:var(--teal);border-color:var(--teal);color:var(--text-on-accent)}.accordion-step.active{border-color:var(--teal);color:var(--teal)}.accordion-title{font-size:.82rem;font-weight:600;color:var(--text);letter-spacing:.04em}.accordion-summary{font-size:.82rem;color:var(--slate);margin-top:2px}.accordion-body{background:var(--bg-surface);border:1px solid var(--teal);border-top:none;border-bottom-left-radius:var(--radius-lg);border-bottom-right-radius:var(--radius-lg);padding:22px 24px}.next-btn{background:var(--btn-primary);border:1px solid transparent;border-radius:var(--btn-radius);color:var(--btn-primary-text);cursor:pointer;font-size:.95rem;letter-spacing:normal;line-height:1.2;margin-top:18px;padding:var(--btn-pad-y) 24px;transition:background .18s ease,box-shadow .18s ease,transform .15s ease}.next-btn:hover:not(:disabled){background:var(--btn-primary-hover);box-shadow:0 4px 14px #7eb8d459}.next-btn:active:not(:disabled){background:var(--btn-primary-active);transform:translateY(1px)}.next-btn:focus-visible{outline:2px solid var(--navy);outline-offset:2px}.next-btn--inline{margin-top:0}.next-btn:disabled{cursor:not-allowed;opacity:.5}.results-btn{background:var(--btn-secondary-bg);border:1px solid var(--btn-secondary-border);border-radius:var(--btn-radius);color:var(--btn-secondary-text);cursor:pointer;font-size:.95rem;letter-spacing:normal;line-height:1.2;margin-top:18px;padding:var(--btn-pad-y) var(--btn-pad-x);transition:background .18s ease,border-color .18s ease,color .18s ease,box-shadow .18s ease,transform .15s ease}.results-btn:hover:not(:disabled){background:var(--btn-secondary-bg-hover);box-shadow:0 2px 10px #7eb8d433}.results-btn:active:not(:disabled){background:var(--btn-secondary-bg-active);transform:translateY(1px)}.results-btn:focus-visible{outline:2px solid var(--sky);outline-offset:2px}.results-btn:disabled{border-color:#7eb8d459;color:#7eb8d48c;cursor:not-allowed;opacity:.55}.results-btn--inline{margin-top:0}.results-btn--with-next{margin-left:10px}.alb-rate-badge{display:inline-flex;align-items:center;gap:6px;background:#2e8b8b26;border:1px solid rgba(46,139,139,.3);border-radius:var(--radius-sm);padding:6px 12px;font-family:var(--font-body);font-size:.88rem;font-variant-numeric:tabular-nums;color:var(--teal)}.asset-table-grid{display:grid;grid-template-columns:1fr 1fr 80px;gap:4px 8px;align-items:center}.asset-table-header{font-size:.78rem;color:var(--slate);text-transform:uppercase;letter-spacing:.08em;padding-bottom:6px;border-bottom:1px solid rgba(126,184,212,.1);margin-bottom:4px}.asset-row-label{font-size:.78rem;color:var(--text)}.gap-8{gap:8px}.gap-12{gap:12px}.gap-16{gap:16px}.gap-24{gap:24px}::-webkit-scrollbar{width:6px;height:6px}::-webkit-scrollbar-track{background:transparent}::-webkit-scrollbar-thumb{background:#7eb8d433;border-radius:3px}::-webkit-scrollbar-thumb:hover{background:#7eb8d459}.asset-row:not(tr){display:grid;grid-template-columns:2fr 1fr 70px;gap:4px 10px;align-items:center;margin-bottom:6px}.asset-row__label{font-size:.78rem;color:var(--text)}.input-affix{position:absolute;top:50%;transform:translateY(-50%);color:var(--slate);font-size:.75rem;pointer-events:none}.input-affix--left{left:8px}.input-affix--right{right:8px}.row-remove-btn{height:32px;width:28px;background:transparent;border:1px solid rgba(224,92,92,.3);border-radius:4px;color:var(--danger);cursor:pointer;font-size:1rem;display:flex;align-items:center;justify-content:center}