.fh-calc{--contrib:#e3d8c3;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);max-width:980px;margin:0 auto;padding:8px;background:var(--card);border:1px solid var(--bd);border-radius:18px;box-shadow:0 1px 3px rgba(43,33,24,.05)}.fh-calc *{box-sizing:border-box}.fh-calc-head{padding:14px 14px 4px}.fh-calc .fh-brand{font-size:1.3rem;font-weight:800;letter-spacing:-.02em}.fh-calc-chips{grid-column:1/-1;display:flex;flex-wrap:wrap;align-items:center;gap:6px;margin-top:2px}.fh-calc-chips-k{font-size:.78rem;font-weight:700;color:var(--muted)}.fh-calc-chip{font-size:.8rem;font-weight:600;color:var(--accent-text);background:var(--soft);border:1px solid var(--pill-bd);border-radius:999px;padding:3px 11px;cursor:pointer;transition:background var(--fh-dur-fast) var(--fh-ease),color var(--fh-dur-fast) var(--fh-ease)}.fh-calc-chip:hover{background:var(--accent);color:var(--on-accent)}.fh-calc-chips-note{flex-basis:100%;font-size:.72rem;color:var(--muted);margin-top:2px}.fh-calc .fh-tag{display:inline-block;font-size:.7rem;font-weight:700;text-transform:uppercase;letter-spacing:.08em;background:var(--soft);color:var(--accent-text);border:1px solid var(--pill-bd);border-radius:999px;padding:3px 9px;vertical-align:middle;margin-left:6px}.fh-calc-tabs{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;padding:16px 16px 6px}@media (max-width:640px){.fh-calc-tabs{grid-template-columns:1fr}}.fh-calc-tab{appearance:none;text-align:left;display:flex;gap:12px;align-items:flex-start;background:var(--card);border:1px solid var(--bd);border-radius:14px;padding:15px 17px;cursor:pointer;color:var(--ink);box-shadow:0 1px 2px rgba(43,33,24,.04);transition:transform var(--fh-dur-fast) var(--fh-ease),border-color var(--fh-dur-fast) var(--fh-ease)}.fh-calc-tab:hover{transform:translateY(-2px);border-color:var(--pill-bd)}.fh-calc-tab.is-active{border-color:var(--accent);background:linear-gradient(160deg,var(--soft),var(--card));box-shadow:0 4px 14px rgba(198,121,31,.16)}.fh-calc-tab-ico{font-size:1.5rem;line-height:1;flex:0 0 auto}.fh-calc-tab-b{display:flex;flex-direction:column;gap:2px;min-width:0}.fh-calc-tab-t{font-weight:800;font-size:1rem}.fh-calc-tab-d{font-size:.8rem;color:var(--muted);font-weight:600}.fh-calc-grid{display:grid;grid-template-columns:1fr;gap:22px;padding:26px clamp(20px,3vw,34px)}.fh-calc-form{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px 16px;align-content:start}.fh-calc-form .fh-calc-toggle{grid-column:1/-1}@media (max-width:480px){.fh-calc-form{grid-template-columns:1fr}}.fh-calc-field{display:flex;flex-direction:column;gap:5px}.fh-calc-label{font-size:.82rem;color:var(--muted);font-weight:600}.fh-calc-input{display:flex;align-items:center;border:1px solid var(--bd);border-radius:10px;overflow:hidden;background:var(--card)}.fh-calc-input:focus-within{border-color:var(--accent)}.fh-calc-unit{padding:0 6px 0 11px;color:var(--muted);font-weight:700}.fh-calc-input input{flex:1;border:none;padding:10px 12px 10px 6px;font-size:1rem;font-weight:700;color:var(--ink);width:100%;background:0 0}.fh-calc-input input:focus{outline:0}.fh-calc-range{width:100%;margin:2px 0 0;accent-color:var(--accent);cursor:pointer;height:22px}.fh-calc-range:focus-visible{outline:2px solid var(--accent);outline-offset:2px}.fh-calc-out{display:flex;flex-direction:column;gap:12px}.fh-calc-big{display:flex;flex-direction:column;gap:2px}.fh-calc-k{font-size:.72rem;text-transform:uppercase;letter-spacing:.04em;color:var(--muted)}.fh-calc-v{font-size:2rem;font-weight:800;line-height:1;color:var(--accent-d)}.fh-calc-v.fh-neg{color:var(--neg)}.fh-calc-split{display:grid;grid-template-columns:1fr 1fr;gap:10px}.fh-calc-split>div{display:flex;flex-direction:column;gap:2px}.fh-calc-v2{font-size:1.1rem;font-weight:800}.fh-pos{color:var(--pos)}.fh-neg{color:var(--neg)}.fh-calc-chart{width:100%;height:auto;aspect-ratio:340/184;max-width:760px;margin-left:auto;margin-right:auto;display:block;background:var(--paper);border:1px solid var(--bd);border-radius:10px}@media (max-width:480px){.fh-axt{font-size:11px}.fh-calc .fh-dot-lbl text{font-size:10px}.fh-dbl-lbl{font-size:9px}}.fh-bar-c{fill:var(--contrib)}.fh-bar-g{fill:var(--pos)}.fh-line-real{fill:none;stroke:var(--ink);stroke-width:1.3;stroke-dasharray:3 3;opacity:.5}.fh-area-fee{fill:var(--neg);opacity:.16}.fh-line-fee-gross{fill:none;stroke:var(--ink);stroke-width:1.3;stroke-dasharray:4 3;opacity:.55}.fh-line-fee-net{fill:none;stroke:var(--pos);stroke-width:1.8}.fh-calc-real{margin:6px 0 0;font-size:.86rem;color:var(--muted)}.fh-calc-real strong{color:var(--ink);font-weight:800}.fh-calc-real-q{cursor:help;opacity:.7}.fh-calc-real strong,.fh-calc-v,.fh-calc-v2,.fh-scrub [data-r],.fh-scrub strong{font-variant-numeric:tabular-nums;font-feature-settings:"tnum"}.fh-calc-big{min-height:58px}.fh-calc-split>div{min-height:42px}.fh-calc-real{min-height:22px}.fh-scrub{min-height:46px}.fh-grid{stroke:var(--bd);stroke-width:1;shape-rendering:crispEdges}.fh-axt{font-size:7.5px;fill:var(--muted)}.fh-calc-legend{font-size:.74rem;color:var(--muted);display:flex;align-items:center;gap:6px;flex-wrap:wrap}.fh-lg{display:inline-block;width:11px;height:11px;border-radius:3px;margin-left:8px}.fh-lg-c{background:var(--contrib)}.fh-lg-g{background:var(--pos)}.fh-lg-n{background:var(--neg)}.fh-calc-note{margin:0 16px;padding:10px 12px;background:var(--soft);border:1px solid var(--pill-bd);border-radius:10px;color:var(--note-ink);font-size:.78rem;line-height:1.45}.fh-calc .fh-disclaimer{margin:12px 16px 16px;padding:11px 13px;background:var(--paper);border:1px dashed var(--bd);border-radius:10px;color:var(--muted);font-size:.76rem;line-height:1.45}.fh-calc-source{padding:12px 16px 0}.fh-fund-pick{position:relative}.fh-fund-lbl{display:block;font-size:.82rem;font-weight:700;color:var(--ink);margin-bottom:5px}.fh-fund-opt{color:var(--muted);font-weight:600}.fh-fund-q{width:100%;border:1px solid var(--bd);border-radius:10px;padding:10px 12px;font-size:1rem;background:var(--card);color:var(--ink)}.fh-fund-q:focus{outline:0;border-color:var(--accent);box-shadow:0 0 0 3px rgba(245,158,11,.18)}.fh-fund-list{position:absolute;z-index:20;left:0;right:0;top:calc(100% + 4px);background:var(--card);border:1px solid var(--bd);border-radius:12px;box-shadow:0 8px 24px rgba(43,33,24,.12);overflow:hidden;max-height:280px;overflow-y:auto}.fh-fund-opt-row{display:flex;flex-direction:column;gap:2px;width:100%;text-align:left;appearance:none;background:0 0;border:none;border-bottom:1px solid var(--bd);padding:9px 12px;cursor:pointer}.fh-fund-opt-row:last-child{border-bottom:none}.fh-fund-opt-row.is-active,.fh-fund-opt-row:focus,.fh-fund-opt-row:hover{background:var(--soft);outline:0}.fh-fund-name{font-weight:700;font-size:.9rem;color:var(--ink)}.fh-fund-meta{font-size:.74rem;color:var(--muted)}.fh-fund-chosen{margin:8px 0 0;font-size:.78rem;color:var(--note-ink);background:var(--soft);border:1px solid var(--pill-bd);border-radius:9px;padding:8px 11px;line-height:1.4}.fh-calc.is-embed{max-width:none;border:none;border-radius:0;box-shadow:none;background:0 0;padding:0}.fh-calc.is-embed .fh-calc-source{padding-left:0;padding-right:0}.fh-calc.is-embed .fh-calc-tabs{display:none}.fh-calc.is-embed .fh-calc-grid{padding-left:0;padding-right:0}.fh-calc.is-embed .fh-calc-note{margin-left:0;margin-right:0}.fh-calc .fh-cmp-calc{padding:18px 16px}.fh-calc .fh-cmp-top{display:grid;grid-template-columns:1fr 1fr 2fr;gap:12px;align-items:end}@media (max-width:640px){.fh-calc .fh-cmp-top{grid-template-columns:1fr 1fr}.fh-calc .fh-cmp-pick{grid-column:1/-1}}.fh-calc .fh-cmp-pick{position:relative}.fh-calc .fh-cmp-empty{margin:16px 0 0;padding:12px 14px;background:var(--soft);border:1px solid var(--pill-bd);border-radius:10px;color:var(--note-ink);font-size:.82rem;line-height:1.45}.fh-calc .fh-cmp-out{display:flex;flex-direction:column;gap:12px;margin-top:16px}.fh-calc .fh-cmp-row{border:1px solid var(--bd);border-radius:12px;padding:12px 14px;background:var(--card)}.fh-calc .fh-cmp-fname{font-weight:800;font-size:.95rem}.fh-calc .fh-cmp-remove{appearance:none;border:none;background:0 0;color:var(--muted);font-size:1.2rem;line-height:1;cursor:pointer;padding:0 4px}.fh-calc .fh-cmp-remove:hover{color:var(--neg)}.fh-calc .fh-cmp-bar{background:var(--track);border-radius:999px;height:12px;overflow:hidden}.fh-calc .fh-cmp-fill{display:block;height:100%;background:linear-gradient(90deg,var(--accent),var(--accent-d));border-radius:999px;transition:width var(--fh-dur) var(--fh-ease)}.fh-calc .fh-cmp-val{font-size:1.35rem;font-weight:800;color:var(--accent-text);margin-top:6px}.fh-calc .fh-cmp-grid{display:grid;grid-template-columns:minmax(60px,max-content) repeat(var(--cols,2),minmax(0,1fr));gap:1px;background:var(--bd);border:1px solid var(--bd);border-radius:12px;overflow:hidden;margin-top:14px}.fh-calc .fh-cmp-cell{background:var(--card);padding:9px 11px;font-size:.86rem;color:var(--ink);display:flex;align-items:center;min-width:0}.fh-calc .fh-cmp-corner{background:0 0}.fh-calc .fh-cmp-colhead{background:var(--soft);justify-content:space-between;gap:6px;align-items:flex-start}.fh-calc .fh-cmp-grid .fh-cmp-fname{font-size:.8rem;font-weight:800;line-height:1.25;overflow-wrap:anywhere}.fh-calc .fh-cmp-rowlabel{background:var(--paper);color:var(--muted);font-size:.66rem;font-weight:800;text-transform:uppercase;letter-spacing:.03em}.fh-calc .fh-cmp-data{flex-direction:column;align-items:flex-start;gap:5px;font-weight:700}.fh-calc .fh-cmp-data.is-low{color:var(--accent-text)}.fh-calc .fh-cmp-data .fh-tag-low{display:inline-block;font-size:.56rem;font-weight:800;text-transform:uppercase;letter-spacing:.04em;background:var(--accent);color:var(--on-accent,#fff);border-radius:999px;padding:1px 6px}.fh-calc .fh-cmp-na{color:var(--muted);font-weight:600}.fh-calc .fh-cmp-final{gap:6px}.fh-calc .fh-cmp-grid .fh-cmp-val{font-size:.98rem;color:var(--accent-text);margin:0}.fh-calc .fh-cmp-final .fh-cmp-bar{width:100%;height:7px;background:var(--track)}.fh-calc .fh-cmp-illus{margin:10px 2px 0;font-size:.74rem;color:var(--muted);line-height:1.45}@media (max-width:380px){.fh-calc .fh-cmp-cell{padding:7px 8px;font-size:.8rem}.fh-calc .fh-cmp-rowlabel{font-size:.6rem}}.fh-calc-chip:focus-visible,.fh-calc-input input:focus-visible,.fh-calc-tab:focus-visible,.fh-cmp-chip:focus-visible,.fh-cmp-preset:focus-visible,.fh-cmp-remove:focus-visible,.fh-everyyear:focus-visible,.fh-fund-opt-row:focus-visible,.fh-fund-q:focus-visible{outline:2px solid var(--accent-d);outline-offset:2px}@media (prefers-reduced-motion:reduce){.fh-calc *{transition:none!important}}@media (prefers-color-scheme:dark){.fh-calc{--contrib:#4a3f30}.fh-calc .fh-dot{stroke:#221c16}}.fh-calc .fh-chart-wrap{position:relative}.fh-calc .fh-calc-chart{cursor:crosshair;touch-action:pan-y}.fh-calc .fh-calc-chart:focus-visible{outline:2px solid var(--accent-d);outline-offset:2px}.fh-calc .fh-scrub-g{pointer-events:none}.fh-calc .fh-cross{stroke:var(--accent-d);stroke-width:1;stroke-dasharray:3 2}.fh-calc .fh-dot{fill:var(--accent-d);stroke:#fff;stroke-width:1.4}.fh-calc .fh-dot-lbl rect{fill:#2b2118}.fh-calc .fh-dot-lbl text{fill:#fff;font-size:7px;font-weight:700}.fh-calc .fh-scrub{margin:9px 0 0;font-size:.84rem;color:var(--ink);line-height:1.5}.fh-calc .fh-scrub strong{color:var(--accent-text);font-weight:800}.fh-calc .fh-scrub-hint{display:block;color:var(--muted);font-size:.72rem;margin-top:2px}.fh-calc .fh-calc-toggle{display:flex;align-items:center;flex-wrap:wrap;gap:6px 8px;font-size:.82rem;font-weight:600;color:var(--muted);cursor:pointer;padding:2px 0}.fh-calc .fh-calc-hint{flex-basis:100%;font-size:.72rem;font-weight:500;color:var(--muted);margin:-2px 0 0}.fh-calc .fh-calc-toggle input[type=checkbox]{width:16px;height:16px;accent-color:var(--accent);flex:none}.fh-calc .fh-calc-infl{display:inline-flex;align-items:center;gap:2px;color:var(--ink);font-weight:700}.fh-calc .fh-calc-infl input{width:48px;border:1px solid var(--bd);border-radius:7px;padding:4px 6px;font-weight:700;color:var(--ink);background:var(--card);text-align:right}.fh-calc .fh-calc-infl input:focus{outline:0;border-color:var(--accent)}.fh-calc .fh-breakdown{margin-top:10px}.fh-calc .fh-breakdown summary{cursor:pointer;font-size:.82rem;font-weight:700;color:var(--accent-text);padding:4px 0}.fh-calc .fh-breakdown summary:focus-visible{outline:2px solid var(--accent-d);outline-offset:2px}.fh-calc .fh-breakdown-scroll{max-height:230px;overflow-y:auto;overflow-x:auto;margin-top:8px;border:1px solid var(--bd);border-radius:10px;background:var(--paper)}.fh-calc .fh-breakdown table{width:100%;border-collapse:collapse;font-size:.8rem}.fh-calc .fh-breakdown td,.fh-calc .fh-breakdown th{text-align:right;padding:6px 10px;border-bottom:1px solid var(--bd);white-space:nowrap}.fh-calc .fh-breakdown td:first-child,.fh-calc .fh-breakdown th:first-child{text-align:left}.fh-calc .fh-breakdown tbody tr:last-child td{border-bottom:none}.fh-calc .fh-breakdown thead th{position:sticky;top:0;background:var(--card);color:var(--muted);font-size:.68rem;text-transform:uppercase;letter-spacing:.03em}.fh-calc.is-embed .fh-breakdown-scroll{max-height:200px}.fh-dbl-line{stroke:var(--accent);stroke-width:1;stroke-dasharray:2 2;opacity:.65}.fh-dbl-lbl{fill:var(--accent-d);font-size:6.5px;font-weight:800}@media (prefers-color-scheme:dark){.fh-dbl-lbl{fill:#fbbf24}}.fh-everyyear{margin:8px 0 2px;padding:5px 12px;font-size:.8rem;font-weight:700;color:var(--accent-text);background:var(--soft);border:1px solid var(--pill-bd);border-radius:999px;cursor:pointer;transition:background var(--fh-dur-fast) var(--fh-ease),color var(--fh-dur-fast) var(--fh-ease)}.fh-everyyear:hover{background:var(--accent);color:var(--on-accent)}.fh-everyyear[aria-pressed=true]{background:var(--accent);color:var(--on-accent)}.fh-cmp-empty-t{margin:0 0 10px}.fh-cmp-starters{display:flex;flex-wrap:wrap;align-items:center;gap:8px;margin:8px 0}.fh-cmp-starters-lbl{font-size:.82rem;font-weight:700;color:var(--muted)}.fh-cmp-chip,.fh-cmp-preset{font-size:.82rem;font-weight:700;border-radius:999px;padding:6px 13px;cursor:pointer;border:1px solid var(--pill-bd);background:var(--soft);color:var(--accent-text);transition:background var(--fh-dur) var(--fh-ease),color var(--fh-dur) var(--fh-ease),transform var(--fh-dur-fast) var(--fh-ease)}.fh-cmp-preset{border-color:var(--accent)}.fh-cmp-chip:hover,.fh-cmp-preset:hover{background:var(--accent);color:var(--on-accent);transform:translateY(-1px)}.fh-calc-faq{margin-top:26px;padding-top:18px;border-top:1px solid var(--bd)}.fh-calc-faq>h2{font-size:1.05rem;font-weight:800;color:var(--ink);margin:0 0 12px}@media (hover:none){.fh-calc-tab{padding-top:13px;padding-bottom:13px}.fh-calc-chip,.fh-cmp-chip,.fh-cmp-preset{padding-top:9px;padding-bottom:9px}.fh-everyyear{padding-top:11px;padding-bottom:11px}.fh-cmp-remove{min-width:30px;min-height:30px;padding:4px;font-size:1.35rem}}.fh-calc .fh-cmp-spark{width:100%;height:30px;display:block}.fh-calc .fh-cmp-spark polyline{fill:none;stroke:var(--accent);stroke-width:2;stroke-linejoin:round;stroke-linecap:round;vector-effect:non-scaling-stroke}.fh-calc[data-active-tab=compare] .fh-calc-source{display:none}