:root{--navy:#081b2e;--navy2:#102e41;--mint:#61dfcb;--ink:#122c3c;--secondary:#586d7c;--line:#dce6ea;--paper:#f5f8fa}*{box-sizing:border-box}html{scroll-behavior:smooth}body{font-family:system-ui,-apple-system,'Apple SD Gothic Neo','Malgun Gothic',sans-serif;margin:0;color:var(--ink);background:var(--paper);line-height:1.65;word-break:keep-all}a{color:inherit;text-decoration:none}button,input{font:inherit}a:focus-visible,button:focus-visible,input:focus-visible{outline:3px solid #1fae99;outline-offset:3px}.wrap{max-width:1160px;padding:0 26px;margin:auto}.top{background:#081b2e;color:#fff;position:sticky;top:0;z-index:20}.top-inner{display:flex;gap:20px;align-items:center;justify-content:space-between;min-height:72px}.brand{font-weight:850;letter-spacing:-.03em;font-size:17px}.brand small{display:block;font-size:11px;font-weight:600;color:#a8c6d2}.top nav{display:flex;gap:20px}.top nav a{font-size:13px;color:#cedde5}.top nav a:hover{color:#fff}.banner{color:white;background:radial-gradient(circle at 70% -10%,#154958 0%,transparent 50%),linear-gradient(120deg,#071c2d,#123448);padding:78px 0 69px}.eyebrow{color:#79e9d8;letter-spacing:.15em;font-weight:850;font-size:11px;text-transform:uppercase}.banner h1{font-size:clamp(33px,4.6vw,59px);line-height:1.2;letter-spacing:-.06em;margin:12px 0 15px}.banner p{max-width:720px;color:#c1d4de;margin:0}.banner-links{display:flex;gap:10px;margin-top:24px;flex-wrap:wrap}.btn{display:inline-block;padding:11px 16px;background:#60e3cf;color:#052d38;border-radius:9px;font-weight:800;font-size:13px}.btn.ghost{background:transparent;border:1px solid #8ab6c3;color:white}.section{padding:62px 0}.section-head{display:flex;justify-content:space-between;align-items:end;gap:16px;margin:0 0 24px}.section-head h2{font-size:28px;margin:0;letter-spacing:-.05em}.section-head p{margin:0;color:var(--secondary);font-size:13px}.filters{display:flex;flex-wrap:wrap;gap:7px;margin:0 0 18px}.filter{padding:9px 14px;border:1px solid #cddde1;border-radius:50px;background:white;color:#3c5d6c;cursor:pointer;font-size:13px}.filter[aria-pressed="true"]{background:#0f3a49;color:white;border-color:#0f3a49}.tools{display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;margin:18px 0}.tools input{padding:11px 14px;border:1px solid #d2e0e4;border-radius:9px;min-width:230px;max-width:100%;background:#fff}.tools p{color:#697b89;font-size:13px}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{display:flex;flex-direction:column;border:1px solid #dbe6e9;border-radius:16px;background:#fff;overflow:hidden;box-shadow:0 12px 33px #0a2d3912}.thumb{height:230px;position:relative;display:block;background:linear-gradient(120deg,#0f2e40,#1d4a55);overflow:hidden}.thumb img{width:100%;height:100%;object-fit:contain;filter:none}.time{position:absolute;right:12px;bottom:12px;border-radius:5px;padding:3px 9px;background:#071d2bdc;color:white;font-size:12px}.card-copy{padding:21px;display:flex;flex-direction:column;flex:1}.tag{font-size:11px;font-weight:850;letter-spacing:.02em;color:#007c70}.card h3{font-size:20px;line-height:1.35;letter-spacing:-.04em;margin:9px 0}.card p{margin:0;color:#526a77;font-size:13px;flex:1}.card-link{display:inline-flex;align-items:center;font-weight:800;font-size:13px;color:#07897f;margin-top:17px}.notes{border-left:4px solid #2dbca9;padding:16px 20px;background:white;color:#49616c;font-size:13px;border-radius:0 9px 9px 0;margin:30px 0}.footer{background:#091e2c;color:#bacdd6;padding:30px 0;font-size:12px}.footer strong{color:white}.footer a{text-decoration:underline}.breadcrumbs{margin:30px 0;font-size:12px;color:#668293}.details{display:grid;grid-template-columns:minmax(0,1.08fr) minmax(280px,.92fr);gap:28px;margin:34px 0 48px}.player{background:#0c2635;border-radius:16px;padding:18px;color:#fff}.player video{display:block;width:100%;max-height:650px;border-radius:9px;background:#081b2e}.player .player-tip{font-size:12px;color:#c0d3df;margin:14px 0 0}.summary{background:white;border:1px solid var(--line);border-radius:16px;padding:28px}.summary h2{font-size:26px;line-height:1.35;letter-spacing:-.04em;margin:9px 0 15px}.summary p{color:#455f70;margin:0 0 15px}.summary ul{padding-left:20px;color:#465f6e;font-size:14px}.summary li{margin:6px 0}.warning{background:#fff8ed;border:1px solid #e8dac3;border-radius:12px;padding:17px 20px;font-size:13px;color:#735128}.related{margin-bottom:70px}.related h2{font-size:24px;letter-spacing:-.04em}.related-links{display:flex;gap:10px;flex-wrap:wrap}.related-links a{padding:10px 15px;border:1px solid #d3e2e5;border-radius:8px;background:white;color:#0a6973;font-size:13px}.notice{font-size:13px;color:#576d7a}.sr{position:absolute;left:-10000px}@media(max-width:900px){.cards{grid-template-columns:repeat(2,1fr)}.details{grid-template-columns:1fr}}@media(max-width:600px){.top nav a:nth-child(2){display:none}.wrap{padding:0 18px}.banner{padding:48px 0}.cards{grid-template-columns:1fr}.thumb{height:260px}.tools input{width:100%}.section{padding:44px 0}.top-inner{min-height:64px}}

[hidden]{display:none!important}

/* 2026 annual benefit explainer */
.fact-badges{display:flex;gap:12px;flex-wrap:wrap;margin:23px 0}
.fact-badges div{background:#fff;border:1px solid #d6e9e7;border-radius:14px;padding:14px 18px;min-width:170px;flex:1;box-shadow:0 8px 22px #082e3820}
.fact-badges strong{font-size:23px;display:block;color:#087a71}.fact-badges small{font-size:12px;color:#5b737e}
.article-section{background:#fff;border:1px solid #dce7ea;border-radius:18px;padding:28px;margin:27px 0}
.article-section h2{font-size:24px;letter-spacing:-.04em;line-height:1.35;margin:0 0 15px}.article-section h3{font-size:18px;margin:20px 0 8px}
.article-section p,.article-section li{color:#475e6b;font-size:15px;line-height:1.8}.article-section ul{padding-left:20px}
.example-table{width:100%;border-collapse:collapse;font-size:14px;margin:18px 0}.example-table th,.example-table td{padding:13px;border-bottom:1px solid #e3ebed;text-align:left}.example-table th{color:#0b534e;background:#f3faf9}.example-table td:nth-child(n+2){white-space:nowrap;font-variant-numeric:tabular-nums}
.calculator{background:#082b3b;border-radius:20px;color:#fff;padding:27px;margin:27px 0}.calculator h2{margin:0 0 8px;letter-spacing:-.04em}.calculator p{color:#b8d4db;margin:0 0 18px;font-size:13px}.calc-fields{display:grid;grid-template-columns:1fr 1fr;gap:15px}.calc-fields label{display:block;font-size:13px;color:#e5f9f5;font-weight:750}.calc-fields input,.calc-fields select{display:block;width:100%;padding:12px 14px;margin-top:8px;border-radius:8px;background:white;color:#0b2635;border:1px solid #c3dde0;font-size:16px}.calc-output{background:#124b53;display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:17px;padding:17px;border-radius:12px}.calc-output strong{display:block;color:#7cf3dc;font-size:24px}.calc-output span{font-size:12px;color:#d4f3ec}.calc-note{font-size:12px;color:#c2d9da!important;margin-top:14px!important}
.source-links a{color:#087d72;text-decoration:underline;text-underline-offset:2px}.embed-caption{font-size:13px;color:#667e86;margin-top:8px}
@media(max-width:640px){.article-section{padding:20px}.calc-fields,.calc-output{grid-template-columns:1fr}.fact-badges{gap:8px}.fact-badges div{min-width:130px}.fact-badges strong{font-size:20px}}