.sip-calculator-page{padding:72px 0 0;background:var(--color-bg-soft)}.sip-calculator__breadcrumb{display:inline-flex;align-items:center;gap:10px;margin-bottom:18px;color:var(--color-text-muted);font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase}.sip-calculator__breadcrumb a{color:var(--color-navy-700)}.sip-calculator__shell{margin-top:28px}.sip-calculator-page--planning{padding:0 0 48px;background:transparent}.sip-calculator-page--planning .sip-calculator__shell{margin-top:0}.sip-calculator__shell--planning{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));align-items:start;gap:24px}.sip-calculator__panel{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);gap:24px;align-items:start}.sip-calculator__panel--planning{display:contents}.sip-calculator__panel--form-only{grid-template-columns:minmax(0,760px);justify-content:center}.sip-calculator__chart-card,.sip-calculator__inputs,.sip-calculator__results{border:1px solid var(--color-border);border-radius:var(--radius-lg);background:var(--color-bg)}.sip-calculator__inputs{padding:28px}.sip-calculator__inputs--planning{grid-column:1/-1;height:auto;min-height:0;padding:26px}.sip-calculator__inputs--planning form{display:grid;grid-template-columns:minmax(0,1fr);gap:18px}.sip-calculator__inputs--planning .sip-calculator__assumptions{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px;padding:18px;border:1px solid var(--color-border);border-radius:var(--radius-md);background:var(--color-bg-soft)}.sip-calculator__inputs--planning .sip-calculator__assumptions .sip-calculator__field+.sip-calculator__field{margin-top:0}.sip-calculator__inputs--planning .sip-calculator__actions,.sip-calculator__inputs--planning .sip-calculator__server-error{grid-column:1/-1}.sip-calculator__inputs--planning .sip-calculator__actions{margin-top:0}.sip-calculator__header-row{margin-bottom:20px;padding-bottom:18px;border-bottom:1px solid var(--color-border)}.sip-calculator__eyebrow{margin:0 0 8px;color:var(--color-gold-600);font-size:12px;font-weight:700;letter-spacing:.16em;text-transform:uppercase}.sip-calculator__chart-header h3,.sip-calculator__education-block h3,.sip-calculator__header-row h3{margin:0;color:var(--color-navy-900);font-size:clamp(1.1rem,2vw,1.6rem);line-height:1.3}.sip-calculator__field+.sip-calculator__field{margin-top:20px}.sip-calculator__field-header{display:flex;align-items:baseline;justify-content:space-between;gap:12px;margin-bottom:9px}.sip-calculator__field-header label{color:var(--color-navy-900);font-size:.92rem;font-weight:600}.sip-calculator__field-header span{color:var(--color-gold-600);font-size:.78rem;font-weight:700;letter-spacing:.04em;text-transform:uppercase}.sip-calculator__input-wrap{position:relative;max-width:100%}.sip-calculator__input-wrap--currency{width:min(100%,15rem)}.sip-calculator__input-wrap--percentage,.sip-calculator__input-wrap--years{width:min(100%,9rem)}.sip-calculator__input-wrap input{width:100%;min-height:52px;padding:12px 48px 12px 14px;border:1px solid var(--color-border-dark);border-radius:var(--radius-md);background:var(--color-bg-soft);color:var(--color-text-primary);font-family:var(--font-family-sans,"Manrope",sans-serif);font-size:1rem;transition:border-color var(--transition-fast),box-shadow var(--transition-fast),background var(--transition-fast)}.sip-calculator__input-wrap span{position:absolute;top:50%;right:14px;color:var(--color-gold-600);font-size:.8rem;font-weight:700;pointer-events:none;transform:translateY(-50%)}.sip-calculator__input-wrap input:hover{border-color:var(--color-border-dark);background:var(--color-bg)}.sip-calculator__input-wrap input:focus{border-color:var(--color-navy-700);box-shadow:0 0 0 4px rgb(35 35 168/9%);background:var(--color-bg);outline:none}.sip-calculator__input-wrap input[aria-invalid=true]{border-color:var(--color-danger-500)}.sip-calculator__error{margin:8px 0 0;color:var(--color-danger-500);font-size:.8rem;line-height:1.5}.sip-calculator__actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}.sip-calculator__button{display:inline-flex;align-items:center;justify-content:center;min-height:50px;padding:0 22px;border:1px solid transparent;border-radius:999px;font-size:.96rem;font-weight:700;transition:transform var(--transition-fast),box-shadow var(--transition-fast),background var(--transition-fast)}.sip-calculator__button:hover{transform:translateY(-1px)}.sip-calculator__button:focus-visible{outline:2px solid var(--color-navy-700);outline-offset:3px}.sip-calculator__button--primary{background:var(--color-gold-500);color:var(--color-navy-950);box-shadow:0 8px 20px rgb(201 161 59/16%)}.sip-calculator__button--primary:hover{background:var(--color-gold-400);box-shadow:0 10px 24px rgb(201 161 59/20%)}.sip-calculator__button--secondary{border-color:var(--color-border-dark);background:transparent;color:var(--color-navy-900)}.sip-calculator__button--secondary:hover{border-color:var(--color-navy-700);background:var(--color-bg-soft)}.sip-calculator__results{position:relative;padding:30px;overflow:hidden;background:var(--color-navy-950);border-color:var(--color-navy-700)}.sip-calculator__results--planning{grid-column:1;height:auto;min-height:0}.sip-calculator__result-heading{display:flex;align-items:center;justify-content:space-between;gap:18px;padding-bottom:18px;border-bottom:1px solid rgb(255 255 255/12%)}.sip-calculator__result-heading .sip-calculator__eyebrow{margin:0;color:var(--color-gold-400)}.sip-calculator__result-heading span{color:rgb(255 255 255/72%);font-size:11px;font-weight:700;letter-spacing:.08em;text-transform:uppercase}.sip-calculator__results h3{margin:24px 0 0;color:var(--color-text-white);font-size:clamp(2.3rem,5vw,3.8rem);line-height:1.04;letter-spacing:-.04em}.sip-calculator__summary-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0;margin-top:28px;border-block:1px solid rgb(255 255 255/12%)}.sip-calculator__summary-item{min-width:0;padding:18px 0}.sip-calculator__summary-item+.sip-calculator__summary-item{border-left:1px solid rgb(255 255 255/12%)}.sip-calculator__summary-item--wide{grid-column:1/-1;border-top:1px solid rgb(255 255 255/12%)}.sip-calculator__comparison div span,.sip-calculator__summary-item span{display:block;color:rgb(255 255 255/68%);font-size:.72rem;letter-spacing:.06em;text-transform:uppercase}.sip-calculator__comparison div strong,.sip-calculator__summary-item strong{display:block;margin-top:8px;color:var(--color-text-white);font-size:1rem;font-weight:700}.sip-calculator__comparison{display:grid;gap:12px;margin-top:22px;padding-top:22px;border-top:1px solid rgb(255 255 255/12%)}.sip-calculator__comparison div{padding:14px 16px;border:1px solid rgb(255 255 255/12%);border-radius:var(--radius-md);background:rgb(255 255 255/4%)}.sip-calculator__note{margin:22px 0 0;color:rgb(255 255 255/68%);font-size:.82rem;line-height:1.7}.sip-calculator__visual-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px;margin-top:24px}.sip-calculator__visual-grid--planning{grid-column:2;grid-row:auto;grid-template-columns:minmax(0,1fr);gap:18px;margin-top:0}.sip-calculator__enquiry{grid-column:1/-1;min-width:0}.sip-calculator__disclaimer--planning,.sip-calculator__education--planning{grid-column:1/-1}.sip-calculator__chart-card{padding:24px 20px 18px}.sip-calculator__chart-header{margin-bottom:20px}.sip-calculator__chart-wrap{width:100%;min-height:240px}.sip-calculator__legend{display:flex;flex-wrap:wrap;gap:12px 18px;margin:0;padding:0;list-style:none}.sip-calculator__legend li{display:inline-flex;align-items:center;gap:8px;color:var(--color-text-secondary);font-size:.82rem}.sip-calculator__legend-swatch{display:inline-block;width:10px;height:10px;border-radius:50%}.sip-calculator__education{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;margin-top:32px}.sip-calculator__education-block{display:flex;gap:14px;padding:22px 20px;border:1px solid var(--color-border);border-radius:var(--radius-lg);background:var(--color-bg);box-shadow:var(--shadow-sm)}.sip-calculator__education-icon{display:inline-flex;align-items:center;justify-content:center;flex-shrink:0;width:40px;height:40px;border-radius:12px;background:var(--color-gold-50);color:var(--color-navy-900)}.sip-calculator__education-block p{margin:10px 0 0;color:var(--color-text-secondary);font-size:.96rem;line-height:1.8}.sip-calculator__disclaimer{margin-top:28px;padding:18px 20px;border:1px solid rgb(201 161 59/25%);border-radius:var(--radius-md);background:var(--color-gold-50);color:var(--color-text-secondary);font-size:.88rem;line-height:1.7}@media (max-width:1024px){.sip-calculator__education,.sip-calculator__panel,.sip-calculator__visual-grid{grid-template-columns:1fr}}@media (max-width:850px){.sip-calculator__shell--planning{grid-template-columns:minmax(0,1fr);gap:20px}.sip-calculator__results--planning,.sip-calculator__visual-grid--planning{grid-column:1}.sip-calculator__inputs--planning .sip-calculator__assumptions{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (max-width:768px){.sip-calculator-page{padding-top:64px}.sip-calculator__chart-card,.sip-calculator__inputs,.sip-calculator__results{padding:22px 18px}.sip-calculator__summary-grid{grid-template-columns:1fr}.sip-calculator__inputs--planning{grid-column:1}.sip-calculator__inputs--planning .sip-calculator__assumptions{grid-template-columns:minmax(0,1fr)}}@media (max-width:480px){.sip-calculator__actions{flex-direction:column}.sip-calculator__button{width:100%}.sip-calculator__result-heading{flex-direction:column;align-items:flex-start}.sip-calculator__education-block{flex-direction:column}}