.cr-shell{padding-top:34px;padding-bottom:100px}.cr-shell>.back{margin-bottom:44px}.cr-hero{max-width:1000px;padding-bottom:54px}.cr-hero h1{font-size:clamp(2.45rem,4.6vw,4.5rem);max-width:980px}.cr-hero .eyebrow{line-height:1.7}.cr-lead{max-width:790px;font-size:1.15rem;color:var(--muted)}.cr-actions{display:flex;align-items:center;gap:26px;flex-wrap:wrap;margin-top:30px}.cr-page a{overflow-wrap:anywhere;text-underline-offset:4px}.cr-primary,.cr-controls button{display:inline-block;padding:16px 22px;background:var(--teal);color:white;text-decoration:none;font:700 .9rem/1.5 Montserrat,Arial,sans-serif;border:1px solid var(--teal);border-radius:0;cursor:pointer}.cr-actions>a:not(.cr-primary),.cr-related>a,.cr-book>a{font-weight:700;color:var(--teal)}.cr-section{border-top:1px solid var(--line);padding:54px 0}.cr-section h2,.cr-contact h2{font-size:clamp(1.85rem,3vw,2.8rem);max-width:900px}.cr-section>p,.cr-section-heading>p{max-width:860px}.cr-intro{font-size:1.13rem}.cr-steps{list-style:none;padding:0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;margin:30px 0}.cr-steps li{padding:25px;background:var(--soft);border-top:3px solid var(--teal)}.cr-steps span{font:700 .72rem Montserrat,Arial,sans-serif;color:var(--teal);letter-spacing:.1em}.cr-steps h3{font-size:1.3rem;margin:20px 0 12px}.cr-steps p{margin:0}.cr-callout{border-left:3px solid var(--gold);padding:14px 22px;background:var(--soft)}.cr-stats{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;margin:30px 0}.cr-stats>div{padding:24px 0;border-top:1px solid var(--line)}.cr-stats strong{display:block;font:600 clamp(2.5rem,4vw,3.6rem) Montserrat,Arial,sans-serif;color:var(--teal);margin-bottom:12px}.cr-stats span{display:block;max-width:220px;line-height:1.6}.cr-page .cr-small,.cr-help{font-size:.87rem;line-height:1.65;color:var(--muted)}.cr-evidence>p{max-width:900px}.cr-book-note{padding:18px 22px;background:var(--soft);font-size:.94rem;line-height:1.7}.cr-calculator{scroll-margin-top:20px}.cr-calc-grid{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);gap:30px;margin-top:28px}.cr-page fieldset{border:1px solid var(--line);padding:25px;margin:0 0 24px;min-width:0}.cr-page legend{font:700 .92rem/1.5 Montserrat,Arial,sans-serif;color:var(--navy);padding:0 8px;max-width:100%}.cr-page label{display:block;font-size:.93rem;font-weight:700;line-height:1.5;margin-bottom:9px}.cr-page input:not([type=radio]):not([type=checkbox]),.cr-page select,.cr-page textarea{width:100%;min-height:48px;padding:10px 12px;font:inherit;color:var(--ink);background:white;border:1px solid #8da6ab;border-radius:0;box-sizing:border-box}.cr-page input[aria-invalid=true]{border:2px solid #a13d3d}.cr-page input:focus-visible,.cr-page select:focus-visible,.cr-page button:focus-visible,.cr-page a:focus-visible,.cr-page summary:focus-visible{outline:3px solid var(--gold);outline-offset:4px}.cr-help{margin:8px 0 22px}.cr-help:last-child{margin-bottom:0}.cr-page .cr-mode{display:flex;flex-wrap:wrap;gap:20px;background:var(--soft);margin-bottom:14px}.cr-mode label{display:flex;align-items:center;gap:9px;margin:0;min-height:28px}.cr-page input[type=radio],.cr-page input[type=checkbox]{accent-color:var(--teal);width:19px;height:19px;flex-shrink:0}.cr-output-panel{min-width:0}.cr-output-inner{position:sticky;top:20px;background:var(--navy);padding:32px;color:white}.cr-output-inner h3{font-size:1.6rem}.cr-output-inner .eyebrow{color:#92d1cf}.cr-output-inner .cr-small{color:#d1dde1}.cr-gap-results{margin:22px 0}.cr-gap-results>div{display:flex;align-items:center;justify-content:space-between;gap:20px;border-bottom:1px solid #ffffff32;padding:18px 0}.cr-gap-results dt{font-size:.94rem;line-height:1.5;max-width:260px}.cr-gap-results dd{margin:0;font:600 2rem Montserrat,Arial,sans-serif;white-space:nowrap}.cr-gap-emphasis dd{color:#e1bd80}.cr-fees{border-top:2px solid var(--gold);padding-top:22px;margin-top:24px}.cr-fees>span{display:block;line-height:1.6}.cr-fees strong{display:block;font:600 clamp(2rem,3vw,2.8rem) Montserrat,Arial,sans-serif;margin:12px 0;overflow-wrap:anywhere}.cr-fees p{margin-bottom:0}.cr-error{color:#9e3535;font-weight:700;line-height:1.6}.cr-output-inner .cr-error{color:#ffd2c6}.cr-finance{padding:30px;background:var(--soft);margin-top:30px}.cr-finance h3{font-size:1.6rem}.cr-opt-in{display:flex!important;align-items:center;gap:12px}.cr-finance-inputs{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px}.cr-finance fieldset{background:white;margin:25px 0 0}.cr-savings{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px;margin:25px 0 15px}.cr-savings>div{padding:25px;background:var(--navy);color:white;min-width:0}.cr-savings span{display:block;line-height:1.6}.cr-savings strong{display:block;font:600 clamp(1.8rem,3.2vw,2.8rem) Montserrat,Arial,sans-serif;margin-top:18px;overflow-wrap:anywhere}.cr-risk-results{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}.cr-risk-results>div{padding:15px 0;border-top:1px solid var(--line)}.cr-risk-results dt{font-size:.88rem;line-height:1.6}.cr-risk-results dd{margin:8px 0 0;font-weight:700;color:var(--navy)}.cr-table-scroll{max-width:100%;overflow-x:auto;margin:25px 0}.cr-page table{border-collapse:collapse;width:100%;font-size:.86rem;line-height:1.6;text-align:left}.cr-page caption{text-align:left;font-weight:700;padding:0 0 14px;color:var(--navy)}.cr-page th,.cr-page td{padding:14px;border-bottom:1px solid var(--line);vertical-align:top}.cr-page thead{background:var(--navy);color:white}.cr-page tbody th{font-weight:600;min-width:230px}.cr-controls{display:flex;gap:12px;align-items:center;flex-wrap:wrap;margin-top:26px}.cr-controls button:first-child{background:white;color:var(--teal)}.cr-controls span{font-size:.9rem}.cr-page textarea{margin-top:18px;min-height:260px}.cr-audit-list{padding-left:24px;max-width:900px}.cr-audit-list li{padding-left:8px;margin-bottom:18px;line-height:1.8}.cr-book{background:var(--soft);padding:35px}.cr-book li{line-height:1.8;margin-bottom:12px}.cr-contact{padding:40px;background:var(--navy);color:white;margin-bottom:40px}.cr-contact p{max-width:780px;color:#d1dde1}.cr-contact .cr-primary{margin-top:12px}.cr-methodology{border:1px solid var(--line);padding:24px;scroll-margin-top:20px}.cr-methodology summary{font:700 1rem/1.6 Montserrat,Arial,sans-serif;cursor:pointer;color:var(--navy)}.cr-methodology>div{padding-top:26px}.cr-methodology h3{font-size:1.25rem;margin-top:30px}.cr-definitions{display:grid;grid-template-columns:170px minmax(0,1fr);gap:16px}.cr-definitions dt{font-weight:700}.cr-definitions dd{margin:0;line-height:1.7}.cr-page [hidden]{display:none!important}.employer-cr-calculator-link{display:inline-block;font-weight:700;color:var(--teal);line-height:1.6}.cr-crosslink{margin:32px 0;padding:22px;border-left:3px solid var(--gold);background:var(--soft)}
@media(max-width:850px){.cr-calc-grid{grid-template-columns:1fr}.cr-output-inner{position:static}.cr-steps{grid-template-columns:1fr}.cr-steps li{padding:24px}.cr-steps h3{margin-top:12px}}
@media(max-width:600px){.cr-shell{padding-top:25px;padding-bottom:65px}.cr-shell>.back{margin-bottom:32px}.cr-hero{padding-bottom:32px}.cr-hero h1{font-size:clamp(2.1rem,9vw,3rem)}.cr-lead{font-size:1.04rem}.cr-section{padding-top:35px;padding-bottom:35px}.cr-stats{gap:14px}.cr-stats strong{font-size:2rem}.cr-stats span{font-size:.83rem}.cr-page fieldset{padding:18px 16px}.cr-finance{padding:22px 16px}.cr-finance-inputs,.cr-savings,.cr-risk-results{grid-template-columns:1fr}.cr-output-inner{padding:24px 20px}.cr-gap-results dd{font-size:1.65rem}.cr-gap-results dt{font-size:.87rem}.cr-definitions{grid-template-columns:1fr;gap:8px}.cr-definitions dd{margin-bottom:12px}.cr-book,.cr-contact{padding:25px 20px}.cr-methodology{padding:20px 16px}.cr-page table{min-width:620px}.cr-actions{align-items:flex-start;gap:20px}}
.cr-stats strong>span{font:inherit;color:inherit;line-height:inherit;max-width:none}
.cr-counter-sr{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip-path:inset(50%);white-space:nowrap;border:0}