.fd_page{--fd-orange:#f26622;--fd-orange-deep:#e05514;--fd-navy:#1a2b48;--fd-muted:#6b7280;--fd-cream:#fffbf7;--fd-peach:#fff3ea;min-height:100vh;background:var(--fd-cream);color:var(--fd-navy);font-family:Poppins,sans-serif}.fd_hero{position:relative;z-index:1;overflow:visible;padding:100px 20px 28px;background:radial-gradient(ellipse 52% 70% at 88% 18%,rgba(242,102,34,.16),transparent 62%),radial-gradient(ellipse 40% 50% at 8% 86%,rgba(255,186,130,.22),transparent 58%),var(--fd-cream)}.fd_hero:after,.fd_hero:before{content:"";position:absolute;border-radius:50%;pointer-events:none;z-index:0}.fd_hero:before{width:560px;height:560px;right:2%;top:36px;background:rgba(242,102,34,.16)}.fd_hero:after{width:180px;height:180px;right:38%;bottom:24px;background:rgba(255,176,110,.18)}.fd_hero_inner{position:relative;z-index:1;max-width:1400px;margin:0 auto;display:grid;grid-template-columns:minmax(0,.9fr) minmax(480px,1.1fr);gap:4px 8px;align-items:center}.fd_copy{position:relative;z-index:2}.fd_badge{display:inline-flex;align-items:center;background:#ffe8d6;color:var(--fd-orange);font-size:.78rem;font-weight:700;padding:7px 14px;border-radius:999px;margin-bottom:18px}.fd_title{margin:0 0 16px;font-size:clamp(2.15rem,4vw,3.15rem);line-height:1.18;font-weight:800;letter-spacing:-.035em;color:var(--fd-navy)}.fd_title span{color:var(--fd-orange)}.fd_lead{margin:0 0 28px;max-width:52ch;color:var(--fd-muted);font-size:1.02rem;line-height:1.75;font-weight:500}.fd_hero_points{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:14px 22px}.fd_hero_points li{display:flex;align-items:center;gap:10px;font-size:.86rem;font-weight:700;color:var(--fd-navy)}.fd_hero_point_ico{width:36px;height:36px;border-radius:12px;display:grid;place-items:center;flex-shrink:0}.fd_hero_point_ico.orange{background:#ffe8d6;color:var(--fd-orange)}.fd_hero_point_ico.green{background:#e6f7ec;color:#1f9d57}.fd_hero_point_ico.blue{background:#e8eefc;color:#3b6fd8}.fd_art_wrap{position:relative;z-index:2;min-height:420px;height:460px;margin-top:-8px;margin-bottom:0;overflow:visible;pointer-events:none}.fd_art_glow{position:absolute;width:78%;height:78%;right:6%;top:2%;border-radius:50%;background:radial-gradient(circle,rgba(242,102,34,.24),transparent 68%);pointer-events:none}.fd_hanu{-o-object-fit:contain;object-fit:contain;-o-object-position:center 22%;object-position:center 22%;transform:translateY(18px);filter:none}.fd_tool_wrap{position:relative;z-index:20;padding:0 20px 28px;margin-top:-16px}.fd_tool{position:relative;z-index:21;max-width:1180px;margin:0 auto;display:grid;grid-template-columns:minmax(0,1.08fr) minmax(300px,.92fr);background:#fff6ef;border-radius:24px;overflow:hidden;border:1px solid rgba(242,102,34,.45);box-shadow:0 8px 18px rgba(242,102,34,.12),0 28px 56px rgba(26,43,72,.16),0 48px 90px rgba(242,102,34,.16)}.fd_form{padding:28px 28px 24px}.fd_form_head{display:flex;align-items:flex-start;gap:12px;margin-bottom:22px}.fd_form_head_ico{width:44px;height:44px;border-radius:14px;background:#fff0e6;color:var(--fd-orange);display:grid;place-items:center;flex-shrink:0}.fd_form_head h2{margin:0 0 4px;font-size:1.35rem;font-weight:800;letter-spacing:-.03em}.fd_form_head p{margin:0;font-size:.86rem;color:var(--fd-muted);font-weight:500}.fd_fields{display:grid;grid-template-columns:1fr 1fr;gap:16px 18px}.fd_field{display:flex;flex-direction:column;gap:7px;min-width:0}.fd_field>span{font-size:.78rem;font-weight:700;color:#4b5563}.fd_control{display:flex;align-items:center;height:48px;border:1.5px solid #ebe4dc;border-radius:12px;background:#fcfbfa;overflow:hidden;transition:border-color .15s ease,box-shadow .15s ease,background .15s ease}.fd_control:hover{border-color:#d9d0c8}.fd_control:focus-within{border-color:var(--fd-orange);background:#fff;box-shadow:0 0 0 4px rgba(242,102,34,.12)}.fd_control_ico{margin-left:12px;color:#9aa1ab;flex-shrink:0}.fd_control input,.fd_control select{flex:1;min-width:0;height:100%;border:0;outline:none;background:transparent;font:inherit;font-weight:700;font-size:.98rem;color:var(--fd-navy);padding:0 12px 0 8px}.fd_control select{cursor:pointer;-webkit-appearance:none;-moz-appearance:none;appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%236b7280' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 12px center;padding-right:32px}.fd_control input[type=number]{-moz-appearance:textfield}.fd_control input[type=number]::-webkit-inner-spin-button,.fd_control input[type=number]::-webkit-outer-spin-button{-webkit-appearance:none;margin:0}.fd_control em{font-style:normal;font-size:.72rem;font-weight:700;color:#9aa1ab;padding-right:12px}.fd_tenure{display:grid;grid-template-columns:1.15fr .85fr;gap:8px}.fd_senior{margin-top:20px;display:flex;align-items:center;justify-content:space-between;gap:16px;padding:14px 16px;border-radius:14px;background:#fff8f3;border:1px solid rgba(242,102,34,.12)}.fd_senior_copy{display:flex;flex-direction:column;gap:2px}.fd_senior_copy strong{display:inline-flex;align-items:center;gap:6px;font-size:.92rem;font-weight:800}.fd_info{color:#9aa1ab;display:inline-flex}.fd_senior_copy span{font-size:.76rem;font-weight:500;color:var(--fd-muted)}.fd_switch{position:relative;width:48px;height:28px;flex-shrink:0;border:0;padding:0;-moz-appearance:none;appearance:none;-webkit-appearance:none;border-radius:999px;background:#d8dde3;cursor:pointer;transition:background .18s ease}.fd_switch:focus-visible{outline:2px solid var(--fd-orange);outline-offset:2px}.fd_switch i{position:absolute;top:3px;left:3px;width:22px;height:22px;border-radius:50%;background:#fff;box-shadow:0 1px 4px rgba(0,0,0,.18);pointer-events:none;transition:transform .18s ease}.fd_switch.is_on{background:var(--fd-orange)}.fd_switch.is_on i{transform:translateX(20px)}.fd_error{margin:12px 0 0;color:#c2410c;font-size:.82rem;font-weight:600}.fd_actions{margin-top:18px;display:grid;grid-template-columns:1fr auto;gap:10px}.fd_reset,.fd_submit{display:inline-flex;align-items:center;justify-content:center;gap:8px;border-radius:12px;font:inherit;font-weight:800;cursor:pointer;transition:transform .15s ease,background .15s ease,box-shadow .15s ease}.fd_submit{border:0;background:var(--fd-orange);color:#fff;padding:13px 18px;box-shadow:0 10px 22px rgba(242,102,34,.32)}.fd_submit:hover{background:var(--fd-orange-deep);transform:translateY(-1px)}.fd_reset{border:1.5px solid #e5ded6;background:#fff;color:var(--fd-navy);padding:12px 18px}.fd_reset:hover{border-color:#d0c7bd;background:#faf7f4}.fd_results{background:#ffe8d6;padding:28px 26px 22px;height:100%;box-sizing:border-box}.fd_results_head{display:flex;align-items:center;gap:10px;margin-bottom:16px}.fd_results_head_ico{width:36px;height:36px;border-radius:12px;background:#fff;color:var(--fd-orange);display:grid;place-items:center}.fd_results_head h2{margin:0;font-size:1.05rem;font-weight:800}.fd_maturity_box{background:#fff;border-radius:16px;padding:18px 18px 16px;text-align:center;box-shadow:0 8px 20px rgba(26,43,72,.05)}.fd_maturity_label{margin:0 0 6px;font-size:.78rem;font-weight:600;color:var(--fd-muted)}.fd_maturity_value{margin:0;font-size:clamp(1.8rem,2.4vw,2.25rem);font-weight:800;letter-spacing:-.03em;color:var(--fd-navy)}.fd_stat_row{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:12px 0 16px}.fd_stat_card{background:#fff;border-radius:14px;padding:12px 12px 11px}.fd_stat_card small{display:block;font-size:.7rem;font-weight:600;color:var(--fd-muted);margin-bottom:6px}.fd_stat_card strong{display:block;font-size:.98rem;font-weight:800}.fd_stat_green{color:#178a45}.fd_stat_orange{color:var(--fd-orange)}.fd_breakdown{list-style:none;margin:0;padding:4px 2px 0}.fd_breakdown li{display:flex;justify-content:space-between;gap:12px;padding:10px 0;border-bottom:1px dashed #efd8c6;font-size:.86rem}.fd_breakdown li span{color:var(--fd-muted);font-weight:500}.fd_breakdown li b{font-weight:700}.fd_breakdown li.is_total{border-bottom:0;font-weight:800}.fd_breakdown li.is_total b,.fd_breakdown li.is_total span{color:var(--fd-navy);font-weight:800}.fd_results_note{display:flex;align-items:flex-start;gap:8px;margin:12px 0 0;padding:10px 12px;border-radius:12px;background:hsla(0,0%,100%,.7);font-size:.74rem;line-height:1.5;color:#7a8290}.fd_results_note svg{flex-shrink:0;margin-top:1px;color:var(--fd-orange)}.fd_results_empty{display:flex;flex-direction:column}.fd_empty_copy{margin:24px 0 0;color:var(--fd-muted);font-weight:500}.fd_freq{padding:8px 20px 36px}.fd_freq_grid{max-width:1180px;margin:0 auto;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px}.fd_freq_card{text-align:left;background:#fff;border:1px solid rgba(26,43,72,.07);border-radius:18px;padding:18px 16px 16px;box-shadow:0 8px 20px rgba(26,43,72,.04);cursor:pointer;font:inherit;color:inherit;transition:border-color .15s ease,transform .15s ease,box-shadow .15s ease}.fd_freq_card.is_active,.fd_freq_card:hover{transform:translateY(-2px);border-color:rgba(242,102,34,.35);box-shadow:0 12px 24px rgba(242,102,34,.1)}.fd_freq_ico{width:42px;height:42px;border-radius:14px;display:grid;place-items:center;margin-bottom:12px}.fd_freq_monthly .fd_freq_ico{background:#ffe8d6;color:var(--fd-orange)}.fd_freq_quarterly .fd_freq_ico{background:#eee8fa;color:#7b6cf6}.fd_freq_half_yearly .fd_freq_ico{background:#e6f7ec;color:#1f9d57}.fd_freq_yearly .fd_freq_ico{background:#e8eefc;color:#3b6fd8}.fd_freq_card strong{display:block;font-size:.92rem;font-weight:800;margin-bottom:6px}.fd_freq_card p{margin:0;font-size:.78rem;line-height:1.55;color:var(--fd-muted);font-weight:500}.fd_quote{position:relative;max-width:1180px;margin:8px auto 32px;padding:30px 72px 30px 32px;border-radius:22px;background:#f3ddd0;display:grid;grid-template-columns:minmax(240px,.95fr) minmax(0,2.05fr);align-items:center;gap:0;overflow:visible}.fd_quote blockquote{margin:0;padding:4px 28px 4px 0;border-right:1px solid rgba(26,43,72,.1)}.fd_quote blockquote p{margin:0 0 8px;font-size:clamp(1.12rem,1.8vw,1.38rem);font-weight:800;letter-spacing:-.03em;line-height:1.35;color:var(--fd-navy)}.fd_quote_mark{display:block;font-size:2.6rem;line-height:.7;color:var(--fd-orange);font-weight:800;margin-bottom:10px}.fd_quote cite{display:block;font-style:normal;font-size:.92rem;font-weight:500;color:#8b939e}.fd_trust{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr))}.fd_trust li{display:flex;align-items:center;gap:12px;min-width:0;padding:6px 18px;border-right:1px solid rgba(26,43,72,.1)}.fd_trust li:last-child{border-right:0;padding-right:8px}.fd_trust svg{color:var(--fd-orange);flex-shrink:0}.fd_trust_text{display:flex;flex-direction:column;line-height:1.25}.fd_trust_text strong{font-size:.92rem;font-weight:700;color:var(--fd-navy)}.fd_trust_text small{font-size:.86rem;font-weight:600;color:var(--fd-navy)}.fd_plane{position:absolute;right:22px;top:18px;width:92px;height:52px;color:var(--fd-orange);pointer-events:none}.fd_plane_trail{position:absolute;inset:8px 10px 0 0;width:86px;height:40px}.fd_plane svg:not(.fd_plane_trail){position:absolute;right:0;top:0;transform:rotate(28deg)}.fd_article{width:100%;margin:0;padding:8px 20px 56px;box-sizing:border-box;background:#f6f7fb}.fd_article_inner{max-width:1180px;margin:0 auto;display:grid;gap:20px}.fd_article_grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;align-items:stretch}.fd_article_grid_faq{grid-template-columns:1.18fr .82fr}.fd_card{display:flex;flex-direction:column;background:#fff;border:1px solid #e8edf4;border-radius:20px;padding:28px 28px 24px;box-shadow:0 10px 28px rgba(21,34,56,.05)}.fd_card_head{display:flex;align-items:flex-start;gap:12px;margin-bottom:14px}.fd_card_ico{width:40px;height:40px;border-radius:50%;background:var(--fd-orange);color:#fff;display:grid;place-items:center;flex-shrink:0}.fd_card_kicker{display:block;margin:1px 0 5px;font-size:.68rem;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--fd-orange)}.fd_card h2{margin:0;font-size:clamp(1.18rem,1.8vw,1.4rem);font-weight:800;letter-spacing:-.03em;line-height:1.25;color:#152238}.fd_card>p{margin:0 0 16px;font-size:.94rem;line-height:1.72;color:#5a6474}.fd_formula_box{margin:0 0 16px;padding:16px 18px;border-radius:12px;background:#fff5ee;border-left:4px solid var(--fd-orange);font-size:clamp(1.12rem,1.8vw,1.32rem);font-weight:800;letter-spacing:-.03em;color:#152238}.fd_formula_box sup{font-size:.62em}.fd_formula_vars{display:flex;flex-wrap:wrap;gap:10px 14px;margin:0 0 16px}.fd_formula_vars span{display:inline-flex;align-items:center;gap:8px;font-size:.8rem;font-weight:600;color:#3d4a5c}.fd_formula_vars i{width:22px;height:22px;border-radius:50%;background:var(--fd-orange);color:#fff;font-style:normal;font-size:.7rem;font-weight:800;display:grid;place-items:center}.fd_note{display:flex;align-items:flex-start;gap:10px;margin-top:auto;padding:12px 14px;border-radius:12px;background:#fff5ee;color:var(--fd-orange)}.fd_note svg{flex-shrink:0;margin-top:1px}.fd_note p{margin:0;font-size:.82rem;line-height:1.6;color:#5a6474}.fd_tds_row{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:14px}.fd_tds_chip{border:1px solid #e8edf4;border-radius:14px;padding:14px 14px 12px;background:#fff}.fd_tds_who{display:inline-flex;align-items:center;gap:6px;margin-bottom:8px;font-size:.78rem;font-weight:700;color:#3d4a5c}.fd_tds_chip strong,.fd_tds_who svg{color:var(--fd-orange)}.fd_tds_chip strong{display:block;font-size:1.4rem;font-weight:800;letter-spacing:-.04em}.fd_tds_chip>span:last-child{display:block;margin-top:4px;font-size:.74rem;font-weight:500;color:#7a8290}.fd_compare_grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px}.fd_compare_card{position:relative;background:#f8fafc;border:1px solid #e8edf4;border-radius:16px;padding:18px 16px 16px}.fd_compare_card.is_best{background:#fff;border-color:var(--fd-orange);box-shadow:0 10px 22px rgba(242,102,34,.12)}.fd_compare_card em{position:absolute;top:10px;right:10px;font-style:normal;font-size:.62rem;font-weight:800;letter-spacing:.06em;text-transform:uppercase;color:#fff;background:var(--fd-orange);border-radius:999px;padding:4px 8px}.fd_compare_mini{width:32px;height:32px;border-radius:10px;background:#fff1e6;color:var(--fd-orange);display:grid;place-items:center;margin-bottom:10px}.fd_compare_label{margin-bottom:8px;font-size:.86rem}.fd_compare_card strong,.fd_compare_label{display:block;font-weight:800;color:#152238}.fd_compare_card strong{font-size:1.12rem;letter-spacing:-.03em;font-variant-numeric:tabular-nums}.fd_compare_card.is_best strong{color:var(--fd-orange)}.fd_compare_card small{display:block;margin-top:6px;font-size:.78rem;font-weight:600;color:#7a8290}.fd_compare_delta{display:block;margin-top:8px;font-size:.76rem;font-weight:800;color:#178a45}.fd_faq_list{display:grid;gap:6px}.fd_faq_item{border-bottom:1px solid #eef1f6}.fd_faq_item:last-child{border-bottom:0}.fd_faq_q{width:100%;display:flex;align-items:center;justify-content:space-between;gap:14px;padding:13px 2px;border:0;background:none;text-align:left;cursor:pointer;font:inherit;font-size:.94rem;font-weight:700;line-height:1.4;color:#152238}.fd_faq_chevron{flex-shrink:0;color:#98a2b3;transition:transform .2s ease}.fd_faq_item.is_open .fd_faq_chevron{transform:rotate(180deg);color:var(--fd-orange)}.fd_faq_a{margin:0 0 12px;padding:12px 14px;border-radius:12px;background:#fff5ee;border:1px solid #ffd8c2}.fd_faq_a p{margin:0;font-size:.88rem;line-height:1.7;color:#5a6474}.fd_related{display:grid;gap:4px;margin-bottom:14px}.fd_related_link{display:flex;align-items:center;gap:10px;padding:10px 4px;border:0;background:none;color:#152238;font-size:.92rem;font-weight:700;text-decoration:none}a.fd_related_link:hover{color:var(--fd-orange)}.fd_related_go{margin-left:auto;color:#c5ccd6}.fd_related_mini{width:32px;height:32px;border-radius:10px;display:grid;place-items:center;flex-shrink:0}.fd_related_mini.tone_rose{background:#ffe8e6;color:#e24b3b}.fd_related_mini.tone_green{background:#e6f7ec;color:#1f9d57}.fd_related_mini.tone_purple{background:#eee8fa;color:#7b6cf6}.fd_related_mini.tone_blue{background:#e8eefc;color:#3b6fd8}.fd_related_mini.tone_pink{background:#fde8f2;color:#d9488a}.fd_explore{display:flex;align-items:center;gap:10px;margin-top:auto;padding:12px 14px;border-radius:12px;background:#fff5ee;color:var(--fd-orange);font-size:.84rem;font-weight:700;line-height:1.4}.fd_explore span{flex:1}.fd_article_disclaimer{margin:12px 0 0;font-size:.74rem;line-height:1.6;color:#8b939e}.fd_page{width:100%;max-width:100%;overflow-x:hidden}.fd_page *,.fd_page :after,.fd_page :before{box-sizing:border-box}@media (max-width:1200px){.fd_hero_inner{grid-template-columns:minmax(0,.9fr) minmax(420px,1.1fr)}.fd_art_wrap{height:400px;min-height:360px;margin-right:0;margin-top:-24px;margin-bottom:-40px}}@media (max-width:1100px){.fd_hero_inner{grid-template-columns:1fr .95fr}.fd_art_wrap{height:340px;min-height:300px;margin-right:0;margin-top:-16px;margin-bottom:-32px}.fd_compare_grid,.fd_freq_grid{grid-template-columns:1fr 1fr}}@media (max-width:900px){.fd_hero{padding:96px 16px 8px}.fd_hero_inner,.fd_tool{grid-template-columns:1fr}.fd_art_wrap{height:300px;min-height:260px;margin-right:0;margin-top:-8px;margin-bottom:-24px}.fd_tool_wrap{margin-top:-12px;padding:0 16px 24px}.fd_form{padding:22px 18px 20px}.fd_quote{margin:0 16px 24px;padding:22px 20px 56px;grid-template-columns:1fr}.fd_quote blockquote{padding:0 0 16px;border-right:0;border-bottom:1px solid rgba(26,43,72,.1)}.fd_trust{grid-template-columns:1fr}.fd_trust li{padding:12px 0;border-right:0;border-bottom:1px solid rgba(26,43,72,.08)}.fd_trust li:last-child{border-bottom:0}.fd_plane{right:14px;top:auto;bottom:10px}.fd_article{padding:4px 16px 40px}.fd_article_grid,.fd_article_grid_faq,.fd_compare_grid,.fd_tds_row{grid-template-columns:1fr}.fd_card{padding:22px 18px 20px}.fd_compare_card em{position:static;display:inline-block;margin-bottom:8px}}@media (max-width:640px){.fd_title{font-size:1.85rem}.fd_actions,.fd_fields,.fd_freq_grid,.fd_stat_row,.fd_tenure{grid-template-columns:1fr}.fd_hero_points{flex-direction:column;align-items:flex-start}.fd_trust{flex-direction:column;gap:12px}.fd_art_wrap{height:260px;min-height:220px;margin-bottom:-16px}}