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var(--gs-ease);border-radius:var(--gs-radius-square);min-height:44px;background:transparent}.fo-btn.is-primary{background:var(--gs-navy);color:#fff;border-color:var(--gs-navy)}.fo-btn.is-primary:hover{background:var(--gs-navy-deep);border-color:var(--gs-navy-deep)}.fo-btn.is-secondary{background:transparent;color:var(--gs-navy);border-color:var(--gs-navy)}.fo-btn.is-secondary:hover{background:var(--gs-navy);color:#fff}.fo-btn.is-gold{background:var(--gs-gold);color:#fff;border-color:var(--gs-gold)}.fo-btn.is-gold:hover{background:var(--gs-gold-hover);border-color:var(--gs-gold-hover);color:#fff}.fo-btn.is-quiet{background:transparent;color:var(--gs-navy);border:none;text-transform:none;letter-spacing:0;font-weight:500;padding:8px 12px;font-size:.875rem}.fo-btn.is-quiet:hover{color:var(--gs-gold-hover)}.fo-btn.is-block{width:100%}.fo-btn.is-large{padding:16px 64px;font-size:.875rem}.fo-main{display:block;padding:48px 56px 240px}.fo-eyebrow{display:inline-block;font-family:var(--gs-serif);font-style:italic;font-weight:400;font-size:.9375rem;color:var(--gs-gold-hover);margin-bottom:14px}.fo-eyebrow:before{content:"";display:inline-block;width:1.5rem;height:1px;background:var(--gs-gold);vertical-align:middle;margin-right:.625rem;transform:translateY(-2px)}.fo-h1{font-family:var(--gs-serif);font-weight:500;font-size:2.75rem;line-height:1.08;color:var(--gs-navy);letter-spacing:-.01em;margin:0 0 14px}.fo-h2{font-family:var(--gs-serif);font-weight:500;font-size:1.625rem;color:var(--gs-navy);margin:32px 0 18px;padding-bottom:8px;border-bottom:1px solid var(--gs-line);letter-spacing:-.005em}.fo-callout{background:transparent;border-left:3px solid var(--gs-navy);padding:10px 12px 10px 28px;margin:14px 0 22px;font-family:var(--gs-serif);font-weight:400;font-size:1.0625rem;line-height:1.55;color:var(--gs-navy)}.fo-callout strong{font-weight:600}.fo-row{display:grid;grid-template-columns:1fr 1fr;gap:22px 28px;margin-bottom:18px}.fo-row.fo-row-3{grid-template-columns:1fr 1fr 1fr}.fo-row.fo-row-1{grid-template-columns:1fr}.fo-stack{display:flex;flex-direction:column;gap:16px;max-width:520px;margin-bottom:18px}.fo-gate{margin-top:32px;padding:24px 28px;background:var(--gs-white);border:1px solid var(--gs-line);border-radius:var(--gs-radius-md)}.fo-gate-toggle{display:inline-flex;border:1px solid var(--gs-line);border-radius:var(--gs-radius-sm);overflow:hidden;background:var(--gs-cream)}.fo-gate-toggle button{font:inherit;font-family:var(--gs-sans);font-size:.875rem;font-weight:600;padding:10px 28px;background:transparent;border:0;color:var(--gs-text-muted);cursor:pointer;letter-spacing:.02em}.fo-gate-toggle button+button{border-left:1px solid var(--gs-line)}.fo-gate-toggle button.is-on{background:var(--gs-navy);color:#fff}.fo-gate-body{margin-top:24px;padding-top:24px;border-top:1px dashed var(--gs-line)}.fo-field{display:flex;flex-direction:column;gap:6px}.fo-field label,.fo-label{font-family:var(--gs-sans);font-size:.8125rem;font-weight:600;color:var(--gs-navy);letter-spacing:.01em}.fo-input{font-family:var(--gs-sans);font-size:.9375rem;color:var(--gs-text);background:#fff;border:1px solid var(--gs-border);padding:11px 14px;min-height:44px;border-radius:var(--gs-radius-sm);outline:none;width:100%;transition:border-color var(--gs-ease),box-shadow var(--gs-ease)}.fo-input::-moz-placeholder{color:#a8a8a8}.fo-input::placeholder{color:#a8a8a8}.fo-input:focus{border-color:var(--gs-navy);box-shadow:0 0 0 3px #d4a84b40}.fo-input.has-prefix{padding-left:32px}.fo-input-wrap{position:relative}.fo-input-prefix{position:absolute;left:14px;top:50%;transform:translateY(-50%);font-family:var(--gs-serif);color:var(--gs-text-muted);pointer-events:none}.fo-input-suffix{position:absolute;right:14px;top:50%;transform:translateY(-50%);font-size:.75rem;color:var(--gs-text-muted);pointer-events:none}.fo-help{font-size:.875rem;color:var(--gs-text-muted)}.fo-microlink{display:inline-block;font-size:.75rem;color:var(--gs-gold-hover);font-style:italic;text-decoration:none;margin-top:4px}.fo-microlink:hover{text-decoration:underline}.fo-app[data-fields=underline] .fo-input{background:transparent;border:none;border-bottom:1px solid var(--gs-line);border-radius:0;padding:11px 2px 9px}.fo-app[data-fields=underline] .fo-input:focus{border-bottom-color:var(--gs-navy);box-shadow:none;background:#ffffff80}.fo-app[data-fields=underline] .fo-input.has-prefix{padding-left:18px}.fo-app[data-fields=underline] .fo-input-prefix{left:2px}.fo-app[data-fields=filled] .fo-input{background:#fff;border:1px solid transparent;border-bottom:1px solid var(--gs-line)}.fo-app[data-fields=filled] .fo-input:focus{border:1px solid var(--gs-navy)}.fo-select{-webkit-appearance:none;-moz-appearance:none;appearance:none;background-image:linear-gradient(45deg,transparent 50%,var(--gs-navy) 50%),linear-gradient(135deg,var(--gs-navy) 50%,transparent 50%);background-position:calc(100% - 18px) center,calc(100% - 13px) center;background-size:5px 5px,5px 5px;background-repeat:no-repeat;padding-right:36px}.fo-yesno{display:inline-flex;border:1px solid var(--gs-navy);border-radius:var(--gs-radius-sm);overflow:hidden;background:#fff}.fo-yesno button{font-family:var(--gs-sans);font-size:.8125rem;font-weight:600;padding:9px 24px;background:transparent;color:var(--gs-navy);border:0;cursor:pointer;min-height:40px;letter-spacing:.04em}.fo-yesno button+button{border-left:1px solid var(--gs-navy)}.fo-yesno button.is-on{background:var(--gs-navy);color:#fff}.fo-qrow{display:grid;grid-template-columns:1fr auto;gap:28px;align-items:center;padding:16px 0;border-bottom:1px solid var(--gs-line)}.fo-qrow:first-of-type{border-top:1px solid var(--gs-line)}.fo-qrow-text{font-family:var(--gs-sans);font-size:.9375rem;color:var(--gs-text);line-height:1.5}.fo-chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:8px}.fo-chip{display:inline-flex;align-items:center;gap:8px;padding:9px 16px;border:1px solid var(--gs-border);background:#fff;font-size:.875rem;color:var(--gs-text);cursor:pointer;border-radius:var(--gs-radius-sm);font-weight:500;transition:all var(--gs-ease)}.fo-chip:hover{border-color:var(--gs-navy);color:var(--gs-navy)}.fo-chip.is-on{border-color:var(--gs-navy);background:var(--gs-navy);color:#fff;font-weight:600}.fo-chip.is-on:before{content:"✓";font-size:.7rem}.fo-radio-row{display:flex;flex-wrap:wrap;gap:0;margin-top:10px;border:1px solid var(--gs-border);background:#fff;border-radius:var(--gs-radius-sm);overflow:hidden;width:-moz-fit-content;width:fit-content}.fo-radio-row>label{padding:12px 18px;font-size:.8125rem;cursor:pointer;font-weight:500;color:var(--gs-text)}.fo-radio-row>label+label{border-left:1px solid var(--gs-border)}.fo-radio-row>label.is-on{background:var(--gs-navy);color:#fff;font-weight:600}.fo-stickyfoot{position:absolute;left:280px;right:0;bottom:0;background:var(--gs-cream);border-top:1px solid var(--gs-line);padding:18px 56px;display:flex;align-items:center;gap:14px}.fo-stickyfoot:before{content:"";position:absolute;left:0;right:0;top:-1px;height:1px;background:var(--gs-gold);opacity:.4}.fo-stickyfoot .fo-back{display:inline-flex;align-items:center;gap:8px;font-family:var(--gs-serif);font-style:italic;color:var(--gs-navy);font-size:.9375rem;text-decoration:none;padding:8px 6px}.fo-stickyfoot .fo-spacer{flex:1}.fo-stickyfoot .fo-stickysub{font-size:.75rem;color:var(--gs-text-muted);font-style:italic;margin-right:14px}.fo-card{background:#fff;border:1px solid var(--gs-border);border-radius:var(--gs-radius-md);padding:36px 40px;margin-bottom:24px;position:relative;box-shadow:var(--gs-shadow-card)}.fo-card:before{content:"";position:absolute;left:40px;top:0;width:5rem;height:3px;background:var(--gs-navy)}.fo-card.fo-accent-gold:before{background:var(--gs-gold)}.fo-card h2{margin-top:8px}.fo-ledger{width:100%;border-collapse:collapse;font-family:var(--gs-sans);margin:8px 0 24px}.fo-ledger th,.fo-ledger td{text-align:left;padding:14px 16px;border-bottom:1px solid var(--gs-line);vertical-align:middle}.fo-ledger th{font-family:var(--gs-sans);font-size:.6875rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gs-text-muted);font-weight:700;border-bottom:1px solid var(--gs-navy);padding-bottom:10px}.fo-ledger tr:hover td{background:#d4a84b0a}.fo-ledger .fo-ledger-row-label{font-family:var(--gs-sans);font-weight:600;color:var(--gs-text);font-size:.9375rem}.fo-ledger .fo-ledger-row-help{font-style:italic;color:var(--gs-text-muted);font-size:.75rem;margin-top:2px}.fo-ledger td.fo-num{text-align:right;font-feature-settings:"tnum"}.fo-ledger td.fo-num input{border:0;background:transparent;text-align:right;font:inherit;width:100%;padding:6px 0;outline:none;font-feature-settings:"tnum";color:var(--gs-navy);font-weight:500}.fo-ledger td.fo-num input:focus{background:#fff;box-shadow:inset 0 -2px 0 var(--gs-gold)}.fo-ledger tfoot td{border-top:2px solid var(--gs-navy);border-bottom:0;font-weight:700;color:var(--gs-navy);font-size:1rem;padding-top:16px}.fo-ledger tfoot td .fo-foot-label{font-family:var(--gs-serif);font-style:italic;font-weight:400}.fo-policy{display:grid;grid-template-columns:36px 1fr auto auto auto;gap:18px;align-items:center;padding:14px 18px;border:1px solid var(--gs-border);background:#fff;border-radius:var(--gs-radius-sm);margin-bottom:6px;position:relative}.fo-policy:before{content:"";position:absolute;left:0;top:10px;bottom:10px;width:3px;background:var(--gs-gold)}.fo-policy .fo-policy-icon{width:36px;height:36px;border-radius:50%;background:var(--gs-cream-dark);display:grid;place-items:center;color:var(--gs-navy);font-weight:600}.fo-policy strong{display:block;color:var(--gs-navy);font-weight:600;font-size:1rem}.fo-policy .fo-policy-meta{font-size:.875rem;color:var(--gs-text-muted)}.fo-policy .fo-policy-stat{font-weight:600;font-size:1rem;color:var(--gs-navy)}.fo-policy .fo-policy-stat small{display:block;font-size:.75rem;text-transform:uppercase;letter-spacing:.1em;color:var(--gs-text-muted);font-weight:600}.fo-add{display:flex;width:100%;align-items:center;justify-content:center;gap:8px;padding:14px 22px;font-family:var(--gs-sans);font-size:.875rem;font-weight:600;background:transparent;color:var(--gs-navy);border:1px dashed var(--gs-navy);cursor:pointer;border-radius:var(--gs-radius-sm)}.fo-add svg{flex-shrink:0}.fo-add:hover{background:var(--gs-navy);color:#fff;border-style:solid}.fo-add:hover svg{color:#fff}.fo-check{display:inline-flex;align-items:flex-start;gap:12px;padding:10px 0;cursor:pointer;font-size:.9375rem;color:var(--gs-text)}.fo-check input{-webkit-appearance:none;-moz-appearance:none;appearance:none;width:18px;height:18px;border:1.5px solid var(--gs-navy);background:#fff;border-radius:2px;display:grid;place-items:center;cursor:pointer;flex:0 0 auto;margin-top:2px}.fo-check input:checked{background:var(--gs-navy)}.fo-check input:checked:after{content:"✓";color:var(--gs-gold-light);font-size:.75rem;font-weight:700}.fo-sidebar{transition:width var(--gs-ease),padding var(--gs-ease)}.fo-sidebar-toggle{position:absolute;top:14px;right:-14px;width:28px;height:28px;border-radius:50%;background:var(--gs-cream);border:1px solid var(--gs-line);color:var(--gs-navy);display:grid;place-items:center;cursor:pointer;z-index:5;font-size:.875rem;transition:background var(--gs-ease)}.fo-sidebar-toggle:hover{background:var(--gs-gold);border-color:var(--gs-gold);color:#fff}.fo-app[data-sidebar=closed] .fo-sidebar{width:56px;flex-basis:56px;padding:32px 8px 24px;overflow:hidden}.fo-app[data-sidebar=closed] .fo-sidebar-eyebrow,.fo-app[data-sidebar=closed] .fo-step span:not(.fo-step-num):not(.fo-step-check):not(.fo-step-ring),.fo-app[data-sidebar=closed] .fo-step .fo-step-check,.fo-app[data-sidebar=closed] .fo-step .fo-step-ring,.fo-app[data-sidebar=closed] .fo-sidebar-foot{display:none}.fo-app[data-sidebar=closed] .fo-step{justify-content:center;padding:10px 4px}.fo-app[data-sidebar=closed] .fo-step.is-active:before{left:0;width:3px}.fo-app[data-sidebar=closed] .fo-step-num{font-size:1rem;width:auto;text-align:center}.fo-app[data-sidebar=closed] .fo-stickyfoot{left:56px}.fo-stepper{display:flex;align-items:stretch;gap:0;padding:0 80px;background:var(--gs-cream);border-bottom:1px solid var(--gs-line);position:relative}.fo-stepper:after{content:"";position:absolute;left:0;right:0;bottom:-1px;height:1px;background:var(--gs-gold);opacity:.4}.fo-stepper-item{flex:1 1 0;padding:16px 8px 18px;border-bottom:2px solid transparent;text-align:left;position:relative;font-size:.75rem;color:var(--gs-text-muted);letter-spacing:.04em;display:flex;align-items:baseline;gap:10px}.fo-stepper-item .fo-stepper-num{font-family:var(--gs-serif);font-style:italic;font-size:1.125rem;color:var(--gs-gold-hover);font-weight:500;flex:0 0 auto}.fo-stepper-item .fo-stepper-label{font-family:var(--gs-sans);font-size:.8125rem;font-weight:500}.fo-stepper-item.is-done .fo-stepper-num{color:var(--gs-text-muted)}.fo-stepper-item.is-active{color:var(--gs-navy);border-bottom-color:var(--gs-line)}.fo-stepper-item.is-active .fo-stepper-label{font-weight:700;color:var(--gs-navy)}.fo-app[data-kicker=off] .fo-eyebrow{display:none}.app-simple-card{background:var(--gs-white);border:1px solid var(--gs-line);border-radius:var(--gs-radius-md);overflow:hidden;margin:8px 0 24px}.app-simple-card-head{display:flex;align-items:flex-start;justify-content:space-between;gap:24px;padding:28px 32px 22px;border-bottom:1px solid var(--gs-line)}.app-simple-card-title{font-family:var(--gs-serif);font-weight:500;font-size:1.625rem;color:var(--gs-navy);margin:0 0 4px;letter-spacing:-.01em}.app-simple-card-sub{font-size:.9375rem;color:var(--gs-text-muted)}.app-simple-card-rate{text-align:right}.app-simple-card-rate-num{display:block;font-family:var(--gs-serif);font-weight:500;font-size:2rem;color:var(--gs-navy);line-height:1}.app-simple-card-rate-lbl{display:block;font-size:.75rem;color:var(--gs-text-muted);letter-spacing:.08em;text-transform:uppercase;margin-top:6px}.app-simple-list{display:grid;grid-template-columns:1fr 1fr;gap:0;margin:0;padding:0}.app-simple-list>div{padding:16px 32px;border-bottom:1px solid var(--gs-line);border-right:1px solid var(--gs-line)}.app-simple-list>div:nth-child(2n){border-right:0}.app-simple-list>div:nth-last-child(-n+2){border-bottom:0}.app-simple-list dt{font-size:.8125rem;color:var(--gs-text-muted);margin:0 0 4px}.app-simple-list dd{margin:0;font-size:1rem;color:var(--gs-navy);font-weight:600}.app-simple-card-foot{padding:16px 32px;background:var(--gs-cream);border-top:1px solid var(--gs-line);display:flex;align-items:center;gap:16px;font-size:.875rem;color:var(--gs-text-muted)}.app-simple-card-foot a{margin-left:auto;color:var(--gs-navy);font-weight:600;text-decoration:none;border-bottom:1px solid var(--gs-line)}.app-steps-list{list-style:none;margin:8px 0 0;padding:0}.app-steps-list li{display:grid;grid-template-columns:44px 1fr auto;gap:20px;align-items:flex-start;padding:20px 0;border-bottom:1px solid var(--gs-line)}.app-steps-list li:last-child{border-bottom:0}.app-steps-num{width:36px;height:36px;border-radius:50%;background:var(--gs-cream-dark);border:1px solid var(--gs-line);display:grid;place-items:center;font-weight:600;color:var(--gs-navy);font-size:.9375rem}.app-steps-list h3{font-size:1.0625rem;font-weight:600;color:var(--gs-navy);margin:4px 0}.app-steps-list p{font-size:.9375rem;color:var(--gs-text);margin:0;line-height:1.55;max-width:38rem}.app-steps-when{font-size:.75rem;letter-spacing:.08em;text-transform:uppercase;color:var(--gs-text-muted);font-weight:600;margin-top:10px;white-space:nowrap}.app-fset{margin:28px 0 0}.app-fset-head{font-size:1.125rem;font-weight:600;color:var(--gs-navy);margin:0 0 14px;padding-bottom:10px;border-bottom:1px solid var(--gs-line)}.app-fset-row{display:flex;align-items:baseline;justify-content:space-between;gap:16px;border-bottom:1px solid var(--gs-line);padding-bottom:10px;margin-bottom:14px}.app-fset-row .app-fset-head{border-bottom:0;padding-bottom:0;margin-bottom:0}.app-fset-note{font-size:.8125rem;color:var(--gs-text-muted)}.app-fineprint{font-size:.8125rem;color:var(--gs-text-muted);margin:6px 0 0}.app-grid{display:grid;gap:16px 18px}.app-grid-2{grid-template-columns:1fr 1fr}.app-grid-3{grid-template-columns:1fr 1fr 1fr}.app-grid .app-col-full{grid-column:1 / -1}.app-row{display:grid;grid-template-columns:1fr 220px auto;gap:20px;align-items:center;padding:16px 20px;background:var(--gs-white);border:1px solid var(--gs-line);border-radius:var(--gs-radius-sm);margin-bottom:8px}.app-row-name{display:block;font-weight:600;color:var(--gs-navy);font-size:1rem;margin-bottom:2px}.app-row-meta{font-size:.8125rem;color:var(--gs-text-muted)}.app-row-pct{display:flex;flex-direction:column;gap:4px}.app-row-pct label{font-size:.75rem;color:var(--gs-text-muted);font-weight:500}.app-pct-input{display:flex;align-items:baseline;gap:4px;border-bottom:1px solid var(--gs-line);padding:4px 0}.app-pct-input input{background:transparent;border:0;outline:none;width:60px;font-size:1.0625rem;font-weight:600;color:var(--gs-navy);text-align:right;padding:0}.app-pct-input span{color:var(--gs-text-muted)}.app-amt-input{background:transparent;border:0;border-bottom:1px solid var(--gs-line);padding:4px 0;font-size:1rem;font-weight:600;color:var(--gs-navy);width:100%;outline:none}.app-row-actions{display:flex;gap:4px}.app-row-actions button{background:transparent;border:0;color:var(--gs-navy);font-size:.8125rem;font-weight:500;cursor:pointer;padding:6px 10px;border-radius:4px}.app-row-actions button:hover{background:var(--gs-cream-dark);color:var(--gs-gold-hover)}.app-dropzone-simple{border:2px dashed var(--gs-line);border-radius:var(--gs-radius-md);padding:56px 32px;text-align:center;background:var(--gs-cream);margin:8px 0 16px}.app-dropzone-simple h3{font-size:1.125rem;font-weight:600;color:var(--gs-navy);margin:0 0 16px}.app-dropzone-buttons{display:flex;gap:10px;justify-content:center;flex-wrap:wrap}.app-dropzone-meta{font-size:.8125rem;color:var(--gs-text-muted);margin:16px 0 0}.app-handoff-row{display:flex;align-items:center;gap:20px;padding:16px 20px;background:var(--gs-cream-dark);border-radius:var(--gs-radius-sm);margin-bottom:16px;font-size:.9375rem;color:var(--gs-text);flex-wrap:wrap}.app-handoff-row>span{flex:1;min-width:220px}.app-handoff-row strong{color:var(--gs-navy);font-weight:600}.app-details{border:1px solid var(--gs-line);border-radius:var(--gs-radius-sm);padding:12px 18px;background:var(--gs-white)}.app-details summary{cursor:pointer;font-weight:600;color:var(--gs-navy);font-size:.9375rem}.app-details ul{margin:12px 0 0;padding-left:20px;font-size:.875rem;color:var(--gs-text);line-height:1.6}.app-fund-picker{display:grid;grid-template-columns:1fr 1fr;gap:10px}.app-fund-opt{display:grid;grid-template-columns:20px 1fr;gap:14px;padding:16px 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