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.info-card{padding:25px}.review-article .info-card h3{font-size:1.8rem}.review-article .info-card p{font-size:.9rem}.review-article .card-number{margin-bottom:20px}.review-article .annuity-story{display:block;margin-top:34px}.review-article .story-stage{min-height:0;padding:26px 20px}.review-article .stage-heading h3{font-size:2.2rem}.review-article .trust-paper{margin-right:15px}.review-article .payment-paper{margin-left:15px}.review-article .trust-paper,.review-article .payment-paper,.review-article .remainder-paper{padding:20px}.review-article .trust-paper b,.review-article .payment-paper b,.review-article .remainder-paper b{font-size:1.65rem}.review-article .trust-paper small{font-size:.67rem}.review-article .stage-note{font-size:.7rem}.review-article .story-steps{margin-top:30px}.review-article .story-step{min-height:0;padding:27px 0}.review-article .story-step h3{font-size:2.35rem;margin-top:16px}.review-article .story-step p{font-size:.95rem}.review-article 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@media(prefers-reduced-motion:reduce){.review-article{scroll-behavior:auto}.review-article *,.review-article *::before,.review-article *::after{animation:none!important;transition:none!important}.review-article .hero-art>img,.review-article .hero-note,.review-article .info-card,.review-article .trust-paper,.review-article .payment-paper,.review-article .remainder-paper{transform:none!important;opacity:1!important}}
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/* Keep the illustration separate from text; its complete composition survives on phone. */
.review-article .hero-art>img{aspect-ratio:auto;height:auto;object-fit:contain;transform:none}.review-article .hero-note{transform:none;margin-left:0;width:90%}.review-article .hero-art{padding-bottom:15px}
.review-article .unused{opacity:.65}.review-article .unused input{background:#e6e4df}.review-article .rate-use{min-height:2.4em;font-size:.67rem;font-weight:600;line-height:1.5}.review-article .year-input label{gap:5px}.review-article .assumptions-detail{margin-top:30px;border-block:1px solid #b4ac9b;padding:15px 0;font-size:.83rem}.review-article .assumptions-detail summary{min-height:44px;padding:9px 0;font-weight:600}.review-article .assumptions-detail h3{font-size:1.7rem;margin-top:20px}.review-article .assumptions-detail p{font-size:.83rem;max-width:900px}.review-article .print-only{display:none}.review-article #support-summary{margin-top:25px;border-top:1px solid #acb9a9;padding-top:15px;overflow-wrap:anywhere}.review-article #support-summary h4{font-size:.9rem}.review-article #support-summary p{font-size:.8rem}.review-article .results[data-pending="true"]{outline:2px dashed #a58148;outline-offset:6px}.review-article .result-card dl>div{flex-wrap:wrap}.review-article .result-card dd{margin-left:auto}.review-article .result-primary strong{max-width:100%}
@media(max-width:760px){.review-article .hero-note{width:94%;margin-top:-15px}.review-article .hero-art{padding-inline:0}.review-article .hero-note span{font-size:.62rem}.review-article .art-caption{font-size:.72rem}.review-article .eyebrow{font-size:.75rem}.review-article .date-line{font-size:.74rem}.review-article .review-note{font-size:.62rem}.review-article .brand span{font-size:10px!important}.review-article .paper-label,.review-article .trust-paper small{font-size:.72rem}.review-article .trust-paper span,.review-article .payment-paper span,.review-article .remainder-paper span{font-size:.82rem}.review-article .result-card dl>div{flex-wrap:wrap}.review-article .card-number{font-size:.75rem}.review-article .year-input label,.review-article .rate-use{font-size:.74rem}.review-article .stage-heading .eyebrow{font-size:.72rem}}
@media print{.review-article .print-only{display:block}.review-article .support-fields{display:none}.review-article .assumptions-detail{break-inside:avoid}.review-article .hero-art{display:none!important}.review-article #support-summary{display:block}.review-article #applied-assumptions{display:block}.review-article .calendar-proof{break-inside:avoid}.review-article .result-card dd{margin-left:auto}}
@media(min-width:1101px) and (min-height:900px){.review-article[data-motion="on"] .story-stage .trust-paper,.review-article[data-motion="on"] .story-stage .payment-paper,.review-article[data-motion="on"] .story-stage .remainder-paper{padding:18px 20px;left:25px;right:25px;min-height:120px}.review-article[data-motion="on"] .trust-paper{top:180px;transform:rotate(calc((1 - var(--p1,0))*-2deg))}.review-article[data-motion="on"] .payment-paper{top:325px;transform:translate3d(calc((1 - var(--p1,0))*30px),calc((1 - var(--p1,0))*35px),0) rotate(calc((1 - var(--p1,0))*8deg))}.review-article[data-motion="on"] .remainder-paper{top:470px;transform:translate3d(calc((1 - var(--p2,0))*-20px),calc((1 - var(--p2,0))*35px),0) rotate(calc((1 - var(--p2,0))*-7deg))}.review-article[data-motion="on"] .story-stage b{font-size:1.8rem}.review-article[data-motion="on"] .stage-note{font-size:.65rem;line-height:1.55;bottom:12px}}
@media(max-width:760px){.review-article .site-header{flex-wrap:wrap}.review-article #motion-toggle{position:static;margin-left:auto;box-shadow:none}.review-article .site-header nav{margin-left:auto}.review-article .site-header #motion-toggle{flex-basis:auto}}

.review-article .receipt-transfer{
 --receipt-navy:#112537;
 --receipt-deep:#0c1b29;
 --receipt-ink:#172f41;
 --receipt-cream:#f6f1e7;
 --receipt-paper:#fffdf7;
 --receipt-gold:#d3b579;
 --receipt-muted:#9eafb9;
 --receipt-line:#cfc8bb;
 width:min(1130px,100%);
 margin:clamp(42px,7vw,88px) auto;
 color:var(--receipt-ink);
}
.review-article .receipt-transfer__intro{
 display:grid;
 grid-template-columns:minmax(0,.78fr) minmax(280px,1fr);
 column-gap:clamp(28px,6vw,84px);
 align-items:end;
 margin:0 0 24px;
}
.review-article .receipt-transfer__intro .eyebrow{grid-column:1/-1;margin:0 0 12px}
.review-article .receipt-transfer__intro h3{
 margin:0;
 max-width:18ch;
 font:400 clamp(32px,4vw,54px)/.98 var(--font-roboto), Arial, sans-serif;
 letter-spacing:-.035em;
}
.review-article .receipt-transfer__intro>p:last-child{
 margin:0;
 max-width:55ch;
 font-size:clamp(16px,1.6vw,19px);
 line-height:1.65;
}
.review-article .receipt-transfer__stage{
 position:relative;
 overflow:hidden;
 overflow:clip;
 padding:clamp(22px,4vw,38px);
 border:1px solid rgba(23,47,65,.2);
 border-radius:3px;
 background:var(--receipt-cream);
}
.review-article .receipt-transfer__rail{display:none}
.review-article .receipt-transfer__chip{
 width:min(100%,278px);
 margin:0 0 24px;
 padding:15px 17px 14px;
 border:1px solid rgba(211,181,121,.72);
 border-radius:2px;
 background:var(--receipt-navy);
 color:var(--receipt-paper);
 box-shadow:0 14px 32px rgba(12,27,41,.16);
}
.review-article .receipt-transfer__chip span,
.review-article .receipt-transfer__chip small{
 display:block;
 font:600 10px/1.3 "DM Sans",Arial,sans-serif;
 letter-spacing:.14em;
 text-transform:uppercase;
}
.review-article .receipt-transfer__chip span{color:var(--receipt-gold)}
.review-article .receipt-transfer__chip strong{
 display:block;
 margin:5px 0 7px;
 font:400 clamp(25px,3vw,34px)/1 var(--font-roboto), Arial, sans-serif;
 font-variant-numeric:tabular-nums;
 white-space:nowrap;
}
.review-article .receipt-transfer__chip small{color:var(--receipt-muted);letter-spacing:.08em}
.review-article .receipt-transfer__nodes{
 display:grid;
 grid-template-columns:repeat(3,minmax(0,1fr));
 gap:16px;
 margin:0;
 padding:0;
 list-style:none;
 counter-reset:none;
}
.review-article .receipt-transfer__node{
 min-width:0;
 min-height:146px;
 padding:19px 19px 18px;
 border:1px solid rgba(23,47,65,.18);
 border-top:3px solid var(--receipt-line);
 background:var(--receipt-paper);
 box-shadow:0 10px 24px rgba(12,27,41,.06);
}
.review-article .receipt-transfer__step{
 display:block;
 margin-bottom:18px;
 color:#5e7180;
 font:700 10px/1.2 "DM Sans",Arial,sans-serif;
 letter-spacing:.13em;
}
.review-article .receipt-transfer__node h4{
 margin:0 0 7px;
 color:var(--receipt-navy);
 font:400 clamp(21px,2vw,28px)/1.05 var(--font-roboto), Arial, sans-serif;
}
.review-article .receipt-transfer__node p{margin:0;color:#506372;font-size:14px;line-height:1.5}
.review-article .receipt-transfer__note{max-width:76ch;margin:15px 0 0}

@media (min-width:761px) and (pointer:fine) and (prefers-reduced-motion:no-preference){
 .review-article .receipt-transfer.is-enhanced .receipt-transfer__stage{
  height:438px;
  padding:0;
  border-color:rgba(211,181,121,.34);
  background:
   radial-gradient(circle at 50% 8%,rgba(211,181,121,.1),transparent 38%),
   var(--receipt-deep);
 }
 .review-article .receipt-transfer.is-enhanced .receipt-transfer__rail{
  display:block;
  position:absolute;
  z-index:1;
  top:113px;
  left:16.666%;
  right:16.666%;
  height:1px;
  background:linear-gradient(90deg,rgba(211,181,121,.34),rgba(211,181,121,.82),rgba(211,181,121,.34));
 }
 .review-article .receipt-transfer.is-enhanced .receipt-transfer__rail:before,
 .review-article .receipt-transfer.is-enhanced .receipt-transfer__rail:after,
 .review-article .receipt-transfer.is-enhanced .receipt-transfer__rail span:after{
  content:"";
  position:absolute;
  top:50%;
  width:7px;
  height:7px;
  border-top:1px solid var(--receipt-gold);
  border-right:1px solid var(--receipt-gold);
  transform:translateY(-50%) rotate(45deg);
 }
 .review-article .receipt-transfer.is-enhanced .receipt-transfer__rail:before{left:48%}
 .review-article .receipt-transfer.is-enhanced .receipt-transfer__rail:after{right:0}
 .review-article .receipt-transfer.is-enhanced .receipt-transfer__rail span:after{left:0;transform:translateY(-50%) rotate(225deg)}
 .review-article .receipt-transfer.is-enhanced .receipt-transfer__chip{
  position:absolute;
  z-index:3;
  top:52px;
  left:0;
  width:228px;
  margin:0;
  will-change:transform;
  box-shadow:0 18px 42px rgba(0,0,0,.28);
 }
 .review-article .receipt-transfer.is-enhanced .receipt-transfer__nodes{
  position:absolute;
  z-index:2;
  right:34px;
  bottom:34px;
  left:34px;
  grid-template-columns:repeat(3,minmax(0,1fr));
  gap:clamp(18px,3vw,34px);
 }
 .review-article .receipt-transfer.is-enhanced .receipt-transfer__node{
  min-height:164px;
  border-color:rgba(255,253,247,.16);
  border-top-color:rgba(211,181,121,.34);
  background:rgba(255,253,247,.96);
  transition:border-color 180ms linear,background-color 180ms linear,box-shadow 180ms linear;
 }
 .review-article .receipt-transfer.is-enhanced[data-phase="source"] [data-receipt-node="source"],
 .review-article .receipt-transfer.is-enhanced[data-phase="donor"] [data-receipt-node="donor"],
 .review-article .receipt-transfer.is-enhanced[data-phase="new"] [data-receipt-node="new"]{
  border-color:var(--receipt-gold);
  border-top-color:var(--receipt-gold);
  background:#fffaf0;
  box-shadow:0 13px 34px rgba(0,0,0,.18);
 }
}

@media (max-width:760px){
 .review-article .receipt-transfer{margin:38px auto 54px}
 .review-article .receipt-transfer__intro{display:block;margin-bottom:18px}
 .review-article .receipt-transfer__intro h3{margin-bottom:16px;font-size:34px}
 .review-article .receipt-transfer__stage{padding:20px}
 .review-article .receipt-transfer__chip{width:100%;max-width:none}
 .review-article .receipt-transfer__nodes{grid-template-columns:1fr;gap:12px}
 .review-article .receipt-transfer__node{position:relative;min-height:0;padding:17px 18px 17px 52px}
 .review-article .receipt-transfer__node:not(:last-child):after{
  content:"↓";
  position:absolute;
  bottom:-22px;
  left:22px;
  z-index:2;
  color:var(--receipt-gold);
  font:700 18px/1 "DM Sans",Arial,sans-serif;
 }
 .review-article .receipt-transfer__step{position:absolute;top:20px;left:17px;margin:0;writing-mode:vertical-rl}
}

@media (prefers-reduced-motion:reduce){
 .review-article .receipt-transfer.is-enhanced .receipt-transfer__stage{height:auto;padding:clamp(22px,4vw,38px);background:var(--receipt-cream)}
 .review-article .receipt-transfer.is-enhanced .receipt-transfer__rail{display:none}
 .review-article .receipt-transfer.is-enhanced .receipt-transfer__chip{position:static;width:min(100%,278px);margin:0 0 24px;transform:none!important;will-change:auto}
 .review-article .receipt-transfer.is-enhanced .receipt-transfer__nodes{position:static;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
}

@media print{
 .review-article .receipt-transfer{break-inside:avoid;margin:28px auto}
 .review-article .receipt-transfer__intro{display:block}
 .review-article .receipt-transfer__intro h3{margin-bottom:12px}
 .review-article .receipt-transfer.is-enhanced .receipt-transfer__stage,
 .review-article .receipt-transfer__stage{height:auto!important;padding:22px!important;background:#fff!important;border:1px solid #777!important;overflow:visible}
 .review-article .receipt-transfer.is-enhanced .receipt-transfer__rail,
 .review-article .receipt-transfer__rail{display:none!important}
 .review-article .receipt-transfer.is-enhanced .receipt-transfer__chip,
 .review-article .receipt-transfer__chip{position:static!important;width:278px!important;margin:0 0 18px!important;transform:none!important;background:#112537!important;color:#fff!important;box-shadow:none!important}
 .review-article .receipt-transfer.is-enhanced .receipt-transfer__nodes,
 .review-article .receipt-transfer__nodes{position:static!important;grid-template-columns:repeat(3,minmax(0,1fr))!important;gap:12px!important}
 .review-article .receipt-transfer__node{min-height:0!important;box-shadow:none!important}
}
.review-article .receipt-transfer__intro,.review-article .receipt-transfer__note{color:var(--cream)}
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/* Give schedules and interactive results the available viewport, with measured prose. */
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/* Perspectives: calm editorial surfaces, with sage reserved for the trust comparison. */
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 .review-article.review-grats .table-scroll { border-color:#b9c2b1; background:var(--paper); }
 .review-article.review-grats thead th { background:#e5eadf; }
 .review-article.review-grats :is(th,td) { border-color:#d3d9cc; }
 .review-article.review-grats .cohort-card { background:#ffffff48; border-left:1px solid #6d896b; }
 .review-article.review-grats .support-sheet { border-top:1px solid #80997d; background:#e5eadd; }
 .review-article.review-grats .question-list details { border-color:#a9c3ae35; }
 .review-article.review-grats .question-list summary { padding-block:24px; }
 .review-article.review-grats .question-list details p { line-height:1.8; }
 .review-article.review-grats .sources li { line-height:1.8; }
 .review-article.review-grats .sources a { overflow-wrap:anywhere; }
}

@media screen and (max-width:760px) {
 .review-article.review-grats .hero { padding:32px 22px 42px; gap:30px; }
 .review-article.review-grats .hero h1 { font-size:clamp(43px,10.5vw,66px); line-height:1.05; }
 .review-article.review-grats .hero-art { padding-bottom:0; margin-top:10px; }
 .review-article.review-grats .hero-note { width:92%; margin-top:-28px; padding:24px; }
 .review-article.review-grats .hero-note p { font-size:31px; }
 .review-article.review-grats .reading-route { padding-inline:22px; gap:4px 24px; }
 .review-article.review-grats .section-inner { padding:48px 22px; }
 .review-article.review-grats .body-copy p { font-size:18px; line-height:1.8; }
 .review-article.review-grats h2 { font-size:clamp(34px,8.5vw,48px); line-height:1.12; }
 .review-article.review-grats .cards { gap:28px; }
 .review-article.review-grats .info-card { padding-top:24px; }
 .review-article.review-grats .info-card p { font-size:17px; }
 .review-article.review-grats .lab { padding:48px 22px; }
 .review-article.review-grats .lab .path-heading { gap:18px; }
 .review-article.review-grats .result-card { padding:24px 20px; }
 .review-article.review-grats .result-card h3 { font-size:30px; }
 .review-article.review-grats .result-card dl>div { flex-wrap:wrap; font-size:14px; }
 .review-article.review-grats .result-card dd { margin-left:auto; }
 .review-article.review-grats .receipt-transfer__node { min-height:0; padding:22px; }
 .review-article.review-grats .support-sheet { padding:26px 20px; }
 .review-article.review-grats :is(.caption,.references,.stage-note) { font-size:13px; }
}

/* Keep desktop hierarchy at reading scale; phone text and working values stay independent. */
@media screen and (min-width:761px) {
 .review-article.review-grats .hero { padding-block:clamp(36px,3.5vw,64px); }
 .review-article.review-grats .hero h1 { max-width:21ch; }
 .review-article.review-grats .hero-note { padding:clamp(24px,2.1vw,36px); }
 .review-article.review-grats .hero-note p { font-size:var(--review-subhead-size,clamp(25px,1.85vw,34px)); line-height:1.24; max-width:28ch; }
 .review-article.review-grats h2 { font-size:var(--review-section-size,clamp(34px,2.65vw,46px)); line-height:1.17; max-width:29ch; margin:12px 0 22px; }
 .review-article.review-grats h3 { font-size:var(--review-subhead-size,clamp(25px,1.85vw,34px)); line-height:1.2; }
 .review-article.review-grats :is(.info-card,.stage-heading,.story-step,.receipt-transfer__intro,.path-heading,.result-card,.assumptions-detail) h3 { font-size:var(--review-subhead-size,clamp(25px,1.85vw,34px)); line-height:1.2; }
 .review-article.review-grats .receipt-transfer__node h4 { font-size:clamp(24px,1.7vw,30px); line-height:1.2; }
 .review-article.review-grats .section-inner { padding-block:clamp(52px,4.5vw,88px); }
 .review-article.review-grats .section-purpose .section-inner { row-gap:24px; }
 .review-article.review-grats .cards { margin-top:12px; column-gap:36px; }
 .review-article.review-grats .info-card { padding-top:24px; }
 .review-article.review-grats .card-number { margin-bottom:16px; }
 .review-article.review-grats .annuity-story { margin-top:34px; }
 .review-article.review-grats .story-step h3 { margin:18px 0 20px; }
 .review-article.review-grats .lab { padding-block:clamp(52px,4.5vw,88px); }
 .review-article.review-grats .result-card { padding:clamp(26px,2vw,40px); }
 .review-article.review-grats .result-primary { padding-block:24px; }
 .review-article.review-grats .support-sheet { padding:clamp(28px,2.2vw,44px); }
}

/* Article story repair: one reading track, with wide evidence and stable working surfaces. */
@media screen {
 .review-article.review-grats { --estate-light:#cfad74; }
 .review-article.review-grats .hero { grid-template-columns:minmax(0,1.08fr) minmax(0,1fr); align-items:center; }
 .review-article.review-grats .hero-copy { max-width:650px; }
 .review-article.review-grats .hero .deck { max-width:55ch; }
 .review-article.review-grats .hero .answer { max-width:64ch; font-size:16px; line-height:1.7; margin-block:24px; }
 .review-article.review-grats .hero-art { padding:0; }
 .review-article.review-grats .hero-art>img { transform:none; }
 .review-article.review-grats .reading-route { column-gap:30px; row-gap:0; }
 .review-article.review-grats .section-inner { width:100%; max-width:1600px; margin-inline:auto; padding:64px clamp(22px,3.125vw,80px); }
 .review-article.review-grats .section-purpose .section-inner { display:block; }
 .review-article.review-grats .section-purpose .body-copy { padding:0; }
 .review-article.review-grats .section-heading { max-width:860px; margin-bottom:24px; }
 .review-article.review-grats .section-heading h2 { max-width:32ch; margin:0; font-size:clamp(31px,2.65vw,42px); line-height:1.2; text-wrap:pretty; }
 .review-article.review-grats .body-copy { max-width:76ch; }
 .review-article.review-grats .body-copy p { max-width:none; font-size:18px; line-height:1.8; margin:0 0 22px; }
 .review-article.review-grats .body-copy p:last-child { margin-bottom:0; }
 .review-article.review-grats .body-copy a { text-decoration:underline; text-decoration-thickness:1px; text-decoration-color:#cfad7477; }
 .review-article.review-grats .after-evidence { margin-top:28px; }
 .review-article.review-grats .references { max-width:100ch; margin-top:28px; font-size:12px; line-height:1.8; }
 .review-article.review-grats .example-assumptions { display:grid; grid-template-columns:repeat(3,minmax(0,1fr)); gap:32px; padding-top:28px; margin-top:32px; border-top:1px solid #a7aa9d; }
 .review-article.review-grats .example-assumptions h3 { margin:0 0 10px; font-size:23px; line-height:1.25; }
 .review-article.review-grats .example-assumptions p { max-width:46ch; margin:0; font-size:16px; line-height:1.75; color:#435660; }
 .review-article.review-grats .example-limit { max-width:93ch; margin:28px 0 0; font-size:15px; line-height:1.75; color:#435660; }
 .review-article.review-grats .annuity-story { display:block; margin:34px 0 0; }
 .review-article.review-grats .annuity-story>figcaption { font:400 26px/1.25 var(--serif); margin-bottom:20px; }
 .review-article.review-grats .annuity-story .story-stage { display:grid; grid-template-columns:repeat(3,minmax(0,1fr)); gap:1px; position:static; width:100%; height:auto; min-height:0; padding:0; border:1px solid #cfad7455; background:#cfad7455; overflow:visible; box-shadow:none; }
 .review-article.review-grats .annuity-story :is(.trust-paper,.payment-paper,.remainder-paper) { position:static; inset:auto; margin:0; padding:28px; min-height:0; border:0; border-radius:0; transform:none; opacity:1; box-shadow:none; background:#f5f0e7; }
 .review-article.review-grats .annuity-story .payment-paper { background:#ece5d7; }
 .review-article.review-grats .annuity-story .remainder-paper { background:#e7eada; }
 .review-article.review-grats .annuity-story .paper-label { font-size:11px; line-height:1.55; letter-spacing:.1em; margin-bottom:12px; color:#4c5c60; }
 .review-article.review-grats .annuity-story b { font-size:clamp(23px,2.1vw,34px); line-height:1.2; letter-spacing:-.025em; }
 .review-article.review-grats .annuity-story h3 { font-size:22px; line-height:1.25; margin:22px 0 12px; text-wrap:pretty; }
 .review-article.review-grats .annuity-story .story-stage p:not(.paper-label) { font-size:15px; line-height:1.75; margin:0; color:#435660; }
 .review-article.review-grats .annuity-story .stage-note { position:static; max-width:95ch; margin:16px 0 0; font-size:13px; line-height:1.65; }
 .review-article.review-grats .receipt-transfer { margin:34px 0; }
 .review-article.review-grats .receipt-transfer__intro { display:block; margin-bottom:22px; }
 .review-article.review-grats .receipt-transfer__intro h3 { max-width:36ch; margin:0 0 12px; font:400 26px/1.25 var(--serif); letter-spacing:-.015em; }
 .review-article.review-grats .receipt-transfer__intro>p:last-child { max-width:74ch; font-size:17px; line-height:1.75; }
 .review-article.review-grats .receipt-transfer__node h4 { font-size:24px; line-height:1.25; }
 .review-article.review-grats .receipt-transfer__node p { font-size:15px; line-height:1.65; }
 .review-article.review-grats .receipt-transfer__step { font-size:11px; margin-bottom:14px; }
 .review-article.review-grats .receipt-transfer__note { max-width:90ch; font-size:14px; line-height:1.75; }
 .review-article.review-grats .calendar-proof { margin:34px 0; padding:28px; }
 .review-article.review-grats .calendar-proof>figcaption { font:400 26px/1.25 var(--serif); margin-bottom:24px; }
 .review-article.review-grats .calendar-top { font-size:13px; }
 .review-article.review-grats .calendar-row>b { font-size:14px; }
 .review-article.review-grats .calendar-track { margin:12px 0 20px; }
 .review-article.review-grats .term-bar { padding:12px; font-size:14px; }
 .review-article.review-grats .outcome-comparison { margin-top:40px; }
 .review-article.review-grats .outcome-comparison h3 { margin:0 0 18px; font-size:26px; line-height:1.25; }
 .review-article.review-grats .outcome-comparison .table-scroll { background:#f5f0e7; color:#081a28; }
 .review-article.review-grats .outcome-comparison table { min-width:650px; font-size:16px; }
 .review-article.review-grats .outcome-comparison caption { padding:16px 22px; font-size:13px; }
 .review-article.review-grats .outcome-comparison :is(th,td) { padding:18px 22px; }
 .review-article.review-grats .outcome-comparison thead th { font-size:14px; font-weight:600; }
 .review-article.review-grats .outcome-comparison tbody th { font-weight:400; }
 .review-article.review-grats .scenario-comparison { display:grid; grid-template-columns:repeat(2,minmax(0,1fr)); gap:32px; margin-top:30px; }
 .review-article.review-grats .scenario-comparison article { padding:26px 0 0; border-top:1px solid #cfad7460; }
 .review-article.review-grats .scenario-comparison h3 { font-size:26px; line-height:1.25; margin:0 0 12px; }
 .review-article.review-grats .scenario-path { font-size:15px; color:#b9c9d0; margin-bottom:22px; }
 .review-article.review-grats .scenario-comparison dl { max-width:520px; margin:0; }
 .review-article.review-grats .scenario-comparison dl>div { display:flex; justify-content:space-between; align-items:baseline; gap:16px; padding:10px 0; border-top:1px solid #afc3ca22; }
 .review-article.review-grats .scenario-comparison dt { font-size:16px; }
 .review-article.review-grats .scenario-comparison dd { margin:0; font-size:20px; font-variant-numeric:tabular-nums; white-space:nowrap; }
 .review-article.review-grats .technical-note { max-width:95ch; margin:28px 0 0; padding:0; border-block:1px solid #afc3ca44; }
 .review-article.review-grats .technical-note summary { padding:18px 0; font-size:16px; line-height:1.6; }
 .review-article.review-grats .technical-note>div { max-width:76ch; padding:4px 0 8px; }
 .review-article.review-grats .technical-note p { font-size:16px; line-height:1.8; }
 .review-article.review-grats .section-family-cash .technical-note { border-color:#9ca897; }
 .review-article.review-grats .support-sheet { margin-top:34px; padding:30px; }
 .review-article.review-grats .support-sheet h3 { font-size:26px; line-height:1.25; }
 .review-article.review-grats .model-limit { max-width:90ch; margin:28px 0 0; padding-left:20px; border-left:1px solid #cfad7460; color:#bdcbd0; font-size:15px; line-height:1.8; }
 .review-article.review-grats .lab { padding:64px clamp(22px,3.125vw,80px); }
 .review-article.review-grats .lab-intro { max-width:92ch; }
 .review-article.review-grats .lab-intro h2 { max-width:32ch; margin:12px 0 22px; font-size:clamp(31px,2.65vw,42px); line-height:1.2; }
 .review-article.review-grats .lab-intro>p { font-size:18px; line-height:1.8; }
 .review-article.review-grats .lab-intro .scope-note { font-size:15px; }
 .review-article.review-grats .path-heading h3 { font-size:26px; line-height:1.25; }
 .review-article.review-grats .result-card h3 { font-size:27px; line-height:1.25; }
 .review-article.review-grats .result-primary strong { font-size:clamp(29px,2.8vw,44px); }
 .review-article.review-grats .question-list { max-width:95ch; margin-top:32px; }
 .review-article.review-grats .question-list summary { padding-block:20px; font-size:17px; line-height:1.65; }
 .review-article.review-grats .question-list details p { max-width:76ch; padding:0 0 4px; font-size:16px; }
 .review-article.review-grats .sources { border-top:1px solid #afc3ca26; padding-top:48px; }
 .review-article.review-grats .sources h2 { font-size:32px; line-height:1.25; margin:12px 0 24px; }
 .review-article.review-grats .sources>p { max-width:85ch; font-size:16px; line-height:1.8; }
 .review-article.review-grats .sources li { font-size:15px; }
 .review-article.review-grats .sources li p { font-size:14px; }
}
@media screen and (min-width:761px) and (pointer:fine) and (prefers-reduced-motion:no-preference) {
 .review-article.review-grats .receipt-transfer.is-enhanced .receipt-transfer__stage { height:420px; }
 .review-article.review-grats .receipt-transfer.is-enhanced .receipt-transfer__chip { top:38px; width:250px; padding:18px 20px; }
 .review-article.review-grats .receipt-transfer.is-enhanced .receipt-transfer__chip strong { font-size:32px; }
 .review-article.review-grats .receipt-transfer.is-enhanced .receipt-transfer__chip :is(span,small) { font-size:11px; }
 .review-article.review-grats .receipt-transfer.is-enhanced .receipt-transfer__rail { top:97px; }
 .review-article.review-grats .receipt-transfer.is-enhanced .receipt-transfer__nodes { left:28px; right:28px; bottom:28px; gap:24px; }
 .review-article.review-grats .receipt-transfer.is-enhanced .receipt-transfer__node { min-height:170px; padding:24px; }
}
@media screen and (max-width:1100px) {
 .review-article.review-grats .hero { grid-template-columns:1fr; }
 .review-article.review-grats .hero-copy { max-width:780px; }
 .review-article.review-grats .hero-art { max-width:700px; }
 .review-article.review-grats .annuity-story .story-stage { grid-template-columns:1fr; }
 .review-article.review-grats .annuity-story :is(.trust-paper,.payment-paper,.remainder-paper) { padding:26px; }
 .review-article.review-grats .annuity-story h3 { margin-top:16px; }
 .review-article.review-grats .annuity-story .story-stage p:not(.paper-label) { max-width:72ch; }
}
@media screen and (max-width:760px) {
 .review-article.review-grats .hero { gap:28px; padding:32px 22px 40px; }
 .review-article.review-grats .hero .answer { font-size:16px; padding-left:18px; }
 .review-article.review-grats .hero-art { margin-top:0; }
 .review-article.review-grats .reading-route { padding-block:14px; gap:0 22px; font-size:13px; }
 .review-article.review-grats .section-inner { padding:44px 22px; }
 .review-article.review-grats .section-heading { margin-bottom:22px; }
 .review-article.review-grats .section-heading h2 { font-size:30px; line-height:1.22; }
 .review-article.review-grats .body-copy p { font-size:17px; line-height:1.8; margin-bottom:20px; }
 .review-article.review-grats .example-assumptions { grid-template-columns:1fr; gap:24px; margin-top:28px; padding-top:24px; }
 .review-article.review-grats .example-assumptions h3 { font-size:22px; }
 .review-article.review-grats .annuity-story>figcaption { font-size:24px; }
 .review-article.review-grats .annuity-story b { font-size:29px; }
 .review-article.review-grats .receipt-transfer__intro h3 { font-size:24px; }
 .review-article.review-grats .receipt-transfer__intro>p:last-child { font-size:16px; }
 .review-article.review-grats .receipt-transfer__stage { padding:20px; }
 .review-article.review-grats .receipt-transfer__node { padding:20px; }
 .review-article.review-grats .calendar-proof { margin-block:30px; padding:24px 16px; }
 .review-article.review-grats .calendar-proof>figcaption { font-size:24px; }
 .review-article.review-grats .calendar-top { font-size:10px; }
 .review-article.review-grats .calendar-track { gap:4px; }
 .review-article.review-grats .term-bar { font-size:12px; padding:10px 7px; }
 .review-article.review-grats .outcome-comparison h3 { font-size:24px; }
 .review-article.review-grats .outcome-comparison .table-scroll { margin-inline:0; }
 .review-article.review-grats .scenario-comparison { grid-template-columns:1fr; gap:28px; }
 .review-article.review-grats .scenario-comparison h3 { font-size:24px; }
 .review-article.review-grats .scenario-comparison dt { font-size:15px; }
 .review-article.review-grats .scenario-comparison dd { font-size:19px; }
 .review-article.review-grats .support-sheet { padding:26px 20px; }
 .review-article.review-grats .support-sheet h3 { font-size:24px; }
 .review-article.review-grats .lab { padding:44px 22px; }
 .review-article.review-grats .lab-intro h2 { font-size:30px; line-height:1.22; }
 .review-article.review-grats .lab-intro>p { font-size:17px; }
 .review-article.review-grats .path-heading h3 { font-size:24px; }
 .review-article.review-grats .result-card h3 { font-size:25px; }
 .review-article.review-grats .result-primary strong { font-size:32px; }
 .review-article.review-grats .sources { padding-top:40px; }
 .review-article.review-grats .sources h2 { font-size:29px; }
}
@media print {
 .review-article .print-title { margin:0 0 16px; font:400 24pt/1.2 var(--font-roboto), Arial, sans-serif; }
}

/* The GRAT guide opens with editable assumptions; the worked story follows. */
.review-article.review-grats .grat-hero-actions { display:flex; flex-wrap:wrap; align-items:center; gap:14px 24px; }
.review-article.review-grats .grat-simulator-link { display:inline-flex; align-items:center; gap:12px; min-height:44px; color:var(--gold); font-size:14px; line-height:1.5; text-decoration:underline; text-underline-offset:5px; }
.review-article.review-grats .grat-simulator-link:hover { color:var(--cream); }
.review-article.review-grats .grat-hero-actions + .date-line { margin-top:20px; }
@media (max-width:760px) {
 .review-article.review-grats .grat-hero-actions { align-items:flex-start; flex-direction:column; gap:10px; }
}
@media print { .review-article.review-grats .grat-hero-actions { display:none; } }