main[data-astro-cid-6ouwktgu]{width:960px;max-width:calc(100% - 2em)}.section-title[data-astro-cid-6ouwktgu]{font-size:2.441em;margin-bottom:1.5em;padding-bottom:.5em;border-bottom:3px solid var(--accent)}.lead[data-astro-cid-6ouwktgu]{color:rgb(var(--gray));margin-bottom:2em;font-size:1.1em}.back-link[data-astro-cid-6ouwktgu]{display:inline-block;margin-bottom:2em;color:var(--accent);text-decoration:none;font-weight:500}.back-link[data-astro-cid-6ouwktgu]:hover{text-decoration:underline}.pillar-section[data-astro-cid-6ouwktgu]{margin-bottom:3em}.pillar-section[data-astro-cid-6ouwktgu] h2[data-astro-cid-6ouwktgu]{font-size:1.563em;margin-top:2.5em;margin-bottom:.75em;color:rgb(var(--black))}.section-title[data-astro-cid-6ouwktgu] a[data-astro-cid-6ouwktgu],.pillar-section[data-astro-cid-6ouwktgu] h2[data-astro-cid-6ouwktgu] a[data-astro-cid-6ouwktgu]{color:inherit;text-decoration:none}.section-title[data-astro-cid-6ouwktgu] a[data-astro-cid-6ouwktgu]:hover,.pillar-section[data-astro-cid-6ouwktgu] h2[data-astro-cid-6ouwktgu] a[data-astro-cid-6ouwktgu]:hover{text-decoration:underline}.pillar-section[data-astro-cid-6ouwktgu] h2[data-astro-cid-6ouwktgu]:first-of-type{margin-top:0}.pillar-section[data-astro-cid-6ouwktgu] h3[data-astro-cid-6ouwktgu]{font-size:1.25em;margin:1.75em 0 .5em;color:rgb(var(--black))}.pillar-section[data-astro-cid-6ouwktgu] p[data-astro-cid-6ouwktgu]{margin-bottom:1em;color:rgb(var(--gray-dark));line-height:1.7}.fire-example-calc[data-astro-cid-6ouwktgu]{background:rgb(var(--gray-light));padding:1em 1.25em;border-radius:8px;margin:.75em 0 1em;font-size:.95em}.fire-example-line[data-astro-cid-6ouwktgu]{display:inline-block;margin-bottom:.25em}.fire-example-note[data-astro-cid-6ouwktgu]{font-size:.9em;color:rgb(var(--gray));margin-top:.5em}.pillar-section[data-astro-cid-6ouwktgu] ul[data-astro-cid-6ouwktgu]{margin:1em 0 1em 1.5em;padding:0}.pillar-section[data-astro-cid-6ouwktgu] li[data-astro-cid-6ouwktgu]{margin-bottom:.5em;line-height:1.6}.pillar-section[data-astro-cid-6ouwktgu] blockquote[data-astro-cid-6ouwktgu]{margin:1.5em 0;padding:.5em 0 .5em 1em;border-left:4px solid var(--accent);color:rgb(var(--gray-dark));font-style:italic}.term[data-astro-cid-6ouwktgu]{border-bottom:1px dotted rgb(var(--gray));cursor:help}.time-risk-wrap[data-astro-cid-6ouwktgu]{background:#fff;padding:1.5em 1.75em;border-radius:12px;box-shadow:var(--box-shadow);margin:1.5em 0}.time-risk-wrap[data-astro-cid-6ouwktgu] h3[data-astro-cid-6ouwktgu]{margin:0 0 .5em;font-size:1.1em}.time-risk-wrap[data-astro-cid-6ouwktgu]>p[data-astro-cid-6ouwktgu]{margin:0 0 1em;font-size:.95em;color:rgb(var(--gray-dark))}.time-risk-graphic[data-astro-cid-6ouwktgu]{display:flex;align-items:stretch;gap:1.5em;margin-top:1em}.time-risk-col[data-astro-cid-6ouwktgu]{flex:1;display:flex;flex-direction:column;gap:.5em;padding:1.25em;border-radius:10px;background:rgb(var(--gray-light))}.time-risk-col[data-astro-cid-6ouwktgu].long{background:#9108960f;border:1px solid rgba(145,8,150,.2)}.time-risk-col[data-astro-cid-6ouwktgu] .label[data-astro-cid-6ouwktgu]{font-weight:700;font-size:.9em;color:rgb(var(--black))}.time-risk-chart[data-astro-cid-6ouwktgu]{width:100%;height:140px;position:relative}.time-risk-chart[data-astro-cid-6ouwktgu] svg[data-astro-cid-6ouwktgu]{width:100%;height:100%;display:block}.time-risk-col[data-astro-cid-6ouwktgu] .chart-caption[data-astro-cid-6ouwktgu]{font-size:.8em;color:rgb(var(--gray));line-height:1.4}.time-risk-col[data-astro-cid-6ouwktgu] .chart-caption[data-astro-cid-6ouwktgu].in-negative{color:#b02a37;font-weight:600}.time-risk-col[data-astro-cid-6ouwktgu] .chart-caption[data-astro-cid-6ouwktgu].risk-free{color:#0a7b3d;font-weight:600}.checklist[data-astro-cid-6ouwktgu]{background:#fff;padding:1.5em 2em;border-radius:12px;box-shadow:var(--box-shadow);margin:1.5em 0}.checklist[data-astro-cid-6ouwktgu] h3[data-astro-cid-6ouwktgu]{font-size:1.25em;margin-bottom:1em}.checklist[data-astro-cid-6ouwktgu] ul[data-astro-cid-6ouwktgu]{list-style:none;margin:0;padding:0}.checklist[data-astro-cid-6ouwktgu] li[data-astro-cid-6ouwktgu]{margin-bottom:.75em}.checklist[data-astro-cid-6ouwktgu] label[data-astro-cid-6ouwktgu]{display:flex;align-items:center;gap:.6em;cursor:pointer;font-size:1em;line-height:1.5}.checklist[data-astro-cid-6ouwktgu] input[data-astro-cid-6ouwktgu][type=checkbox]{width:1.2em;height:1.2em;margin:0;accent-color:var(--accent);cursor:pointer;flex-shrink:0}.emergency-layout[data-astro-cid-6ouwktgu]{margin:1.5em 0;display:grid;grid-template-columns:minmax(0,1.2fr) minmax(0,1fr);gap:1.5em}.emergency-levels[data-astro-cid-6ouwktgu]{background:#fff;padding:1.5em 1.75em;border-radius:12px;box-shadow:var(--box-shadow)}.emergency-levels[data-astro-cid-6ouwktgu] p[data-astro-cid-6ouwktgu]{margin-bottom:.75em}.emergency-levels[data-astro-cid-6ouwktgu] p[data-astro-cid-6ouwktgu]:last-child{margin-bottom:0}.emergency-fund-ticks[data-astro-cid-6ouwktgu]{margin-top:1em;margin-bottom:.5em}.emergency-fund-checklist[data-astro-cid-6ouwktgu]{list-style:none;margin:0 0 .75em;padding:0}.emergency-fund-checklist[data-astro-cid-6ouwktgu] li[data-astro-cid-6ouwktgu]{position:relative;padding-left:1.5em;margin-bottom:.4em}.emergency-fund-checklist[data-astro-cid-6ouwktgu] li[data-astro-cid-6ouwktgu]:before{content:"✓";position:absolute;left:0;color:#0a7b3d;font-weight:700}.emergency-fund-note[data-astro-cid-6ouwktgu]{font-size:.95em;color:rgb(var(--gray-dark));margin-top:.5em}.emergency-scenarios[data-astro-cid-6ouwktgu]{display:flex;flex-direction:column;gap:1em}.emergency-scenario-card[data-astro-cid-6ouwktgu]{background:#fff;padding:1.25em 1.5em;border-radius:10px;box-shadow:0 2px 6px rgba(var(--gray),20%)}.emergency-scenario-title[data-astro-cid-6ouwktgu]{font-weight:700;margin-bottom:.35em;font-size:.95em;color:rgb(var(--black))}.emergency-scenario-body[data-astro-cid-6ouwktgu]{font-size:.9em;color:rgb(var(--gray-dark));margin:0}.flow-diagram[data-astro-cid-6ouwktgu]{display:flex;flex-wrap:wrap;align-items:center;gap:.5em .25em;margin:1.5em 0;font-size:.95em;color:rgb(var(--gray-dark))}.flow-diagram[data-astro-cid-6ouwktgu] span[data-astro-cid-6ouwktgu]{padding:.35em .6em;background:#fff;border-radius:6px;box-shadow:0 1px 3px rgba(var(--gray),20%)}.flow-diagram[data-astro-cid-6ouwktgu] .arrow[data-astro-cid-6ouwktgu]{background:none;box-shadow:none;color:rgb(var(--gray))}.hub-links[data-astro-cid-6ouwktgu]{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:1em;margin-top:1em}.hub-links[data-astro-cid-6ouwktgu] a[data-astro-cid-6ouwktgu]{display:block;padding:1em 1.25em;background:#fff;border-radius:12px;box-shadow:var(--box-shadow);text-decoration:none;color:inherit;transition:transform .2s ease,box-shadow .2s ease}.hub-links[data-astro-cid-6ouwktgu] a[data-astro-cid-6ouwktgu]:hover{transform:translateY(-2px);box-shadow:0 4px 12px rgba(var(--gray),40%);color:var(--accent)}.hub-links[data-astro-cid-6ouwktgu] a[data-astro-cid-6ouwktgu] strong[data-astro-cid-6ouwktgu]{display:block;margin-bottom:.25em}.hub-links[data-astro-cid-6ouwktgu] a[data-astro-cid-6ouwktgu] span[data-astro-cid-6ouwktgu]{font-size:.9em;color:rgb(var(--gray))}.disclaimer[data-astro-cid-6ouwktgu]{font-size:.9em;color:rgb(var(--gray));margin-top:3em;padding-top:1.5em;border-top:1px solid rgb(var(--gray-light))}.learn-list[data-astro-cid-6ouwktgu]{list-style:none;margin:1em 0;padding:0}.learn-list[data-astro-cid-6ouwktgu] li[data-astro-cid-6ouwktgu]{margin-bottom:.5em;padding-left:0}.savings-rate-subsection[data-astro-cid-6ouwktgu]{background:#fff;padding:1.75em 2em;border-radius:12px;box-shadow:var(--box-shadow);margin:1.5em 0}.savings-rate-subsection[data-astro-cid-6ouwktgu] h3[data-astro-cid-6ouwktgu]{font-size:1.25em;margin:0 0 1em;color:rgb(var(--black))}.lever-graphic[data-astro-cid-6ouwktgu]{display:flex;flex-direction:column;gap:1.25em;margin:1.5em 0}.lever-row[data-astro-cid-6ouwktgu]{display:flex;align-items:flex-start;gap:1.25em;padding:1em 1.25em;background:#fff;border-radius:10px;box-shadow:0 2px 6px rgba(var(--gray),18%)}.lever-row[data-astro-cid-6ouwktgu].market{background:rgb(var(--gray-light))}.lever-chart[data-astro-cid-6ouwktgu]{flex:0 0 100px;height:104px}.lever-chart[data-astro-cid-6ouwktgu] svg[data-astro-cid-6ouwktgu]{width:100%;height:100%;display:block}.lever-content[data-astro-cid-6ouwktgu]{flex:1;min-width:0}.lever-label[data-astro-cid-6ouwktgu]{font-weight:700;font-size:.95em;color:rgb(var(--black));margin-bottom:.25em}.lever-desc[data-astro-cid-6ouwktgu]{font-size:.9em;color:rgb(var(--gray-dark));line-height:1.5;margin:0}.lever-caption[data-astro-cid-6ouwktgu]{font-size:.85em;color:rgb(var(--gray));margin-top:.75em}.example-cards[data-astro-cid-6ouwktgu]{display:grid;grid-template-columns:1fr 1fr;gap:1.25em;margin:1.5em 0}.example-card[data-astro-cid-6ouwktgu]{padding:1.25em 1.5em;border-radius:10px;border:2px solid rgb(var(--gray-light));background:#fff}.example-card[data-astro-cid-6ouwktgu].highlight{border-color:var(--accent);background:#9108960a}.example-card[data-astro-cid-6ouwktgu] h4[data-astro-cid-6ouwktgu]{font-size:1em;margin:0 0 .75em;color:rgb(var(--gray-dark))}.example-card[data-astro-cid-6ouwktgu] .example-row[data-astro-cid-6ouwktgu]{display:flex;justify-content:space-between;font-size:.95em;margin-bottom:.35em}.example-card[data-astro-cid-6ouwktgu] .example-row[data-astro-cid-6ouwktgu] strong[data-astro-cid-6ouwktgu]{color:rgb(var(--black))}.example-card[data-astro-cid-6ouwktgu] .example-result[data-astro-cid-6ouwktgu]{margin-top:1em;padding-top:.75em;border-top:1px solid rgb(var(--gray-light));font-weight:700;color:var(--accent);font-size:1.1em}.comparison-table-wrap[data-astro-cid-6ouwktgu]{overflow-x:auto;margin:1.5em 0;border-radius:10px;box-shadow:0 2px 8px rgba(var(--gray),20%)}.comparison-table[data-astro-cid-6ouwktgu]{width:100%;border-collapse:collapse;font-size:.95em}.comparison-table[data-astro-cid-6ouwktgu] th[data-astro-cid-6ouwktgu],.comparison-table[data-astro-cid-6ouwktgu] td[data-astro-cid-6ouwktgu]{padding:.75em 1em;text-align:left;border-bottom:1px solid rgb(var(--gray-light))}.comparison-table[data-astro-cid-6ouwktgu] th[data-astro-cid-6ouwktgu]{background:rgb(var(--gray-light));font-weight:700;color:rgb(var(--black))}.comparison-table[data-astro-cid-6ouwktgu] tr[data-astro-cid-6ouwktgu]:last-child td[data-astro-cid-6ouwktgu]{border-bottom:none;font-weight:700;background:#9108960f;color:rgb(var(--black))}.comparison-table[data-astro-cid-6ouwktgu] .winner[data-astro-cid-6ouwktgu]{color:var(--accent)}.etf-examples[data-astro-cid-6ouwktgu]{margin:1.5em 0}.etf-row[data-astro-cid-6ouwktgu]{display:flex;gap:1.5em;align-items:flex-start;margin-bottom:1.25em;padding:1em 1.25em;background:#fff;border-radius:10px;box-shadow:0 2px 8px rgba(var(--gray),20%)}.etf-row[data-astro-cid-6ouwktgu]:last-child{margin-bottom:0}.etf-name[data-astro-cid-6ouwktgu]{flex:0 0 200px;font-weight:700}.etf-name[data-astro-cid-6ouwktgu] a[data-astro-cid-6ouwktgu]{text-decoration:none;color:var(--accent)}.etf-name[data-astro-cid-6ouwktgu] a[data-astro-cid-6ouwktgu]:hover{text-decoration:underline}.etf-desc[data-astro-cid-6ouwktgu]{flex:1;font-size:.95em;color:rgb(var(--gray-dark));line-height:1.6;margin:0}@media(max-width:640px){.example-cards[data-astro-cid-6ouwktgu]{grid-template-columns:1fr}.lever-label[data-astro-cid-6ouwktgu]{flex:0 0 100px}.etf-row[data-astro-cid-6ouwktgu]{flex-direction:column;gap:.5em}.etf-name[data-astro-cid-6ouwktgu]{flex:none}.emergency-layout[data-astro-cid-6ouwktgu]{grid-template-columns:1fr}.time-risk-graphic[data-astro-cid-6ouwktgu]{flex-direction:column}}