.hv-ret{--hv-ret-scale:1;font-size:calc(1rem * var(--hv-ret-scale));background:var(--white);color:var(--ink)}
.hv-ret[data-ret-text-size="112.5"]{--hv-ret-scale:1.125}.hv-ret[data-ret-text-size="125"]{--hv-ret-scale:1.25}
.hv-ret *{min-width:0}.hv-ret p,.hv-ret li,.hv-ret td,.hv-ret th{font-size:1.125em;line-height:1.7}.hv-ret p,.hv-ret li{max-width:70ch}
.hv-ret a:not(.button){text-decoration:underline;text-underline-offset:.18em;text-decoration-thickness:.08em}.hv-ret button,.hv-ret .button,.hv-ret a.hv-ret-jump{min-height:48px}
.hv-ret h1,.hv-ret h2,.hv-ret h3{font-family:var(--serif)}.hv-ret h2{font-size:clamp(1.9rem,4vw,3.25rem);line-height:1.12;color:var(--deep-blue)}.hv-ret h3{font-size:clamp(1.35rem,2.6vw,1.85rem);line-height:1.2;color:var(--deep-blue)}
.hv-ret-hero{padding:clamp(4rem,8vw,7rem) 0;background:linear-gradient(135deg,var(--navy),#153d60);color:#fff}.hv-ret-hero-grid{display:grid;grid-template-columns:minmax(0,1.5fr) minmax(260px,.75fr);gap:clamp(2rem,6vw,5rem);align-items:center}.hv-ret-hero h1{max-width:12ch;margin:.35rem 0 1rem;font-size:clamp(2.8rem,6vw,5.6rem);line-height:.98}.hv-ret-hero p{font-size:1.2em;color:rgba(255,255,255,.86)}
.hv-ret-summary{padding:1.5rem;border:1px solid rgba(255,255,255,.3);border-radius:var(--radius);background:rgba(255,255,255,.1)}.hv-ret-summary strong{color:var(--gold-light);text-transform:uppercase;letter-spacing:.12em;font-size:.78em}.hv-ret-summary ul{padding-left:1.25rem}.hv-ret-summary li{font-size:1em}.hv-ret-summary p{font-size:.9em}
.hv-ret-toolbar{padding:1.25rem 0;background:var(--ivory);border-bottom:1px solid rgba(8,24,39,.12)}.hv-ret-toolbar-row{display:flex;align-items:center;justify-content:space-between;gap:1rem;flex-wrap:wrap}.hv-ret-text-control{display:flex;align-items:center;gap:.5rem;flex-wrap:wrap}.hv-ret-text-control button{min-width:48px;border:1px solid var(--deep-blue);border-radius:999px;background:#fff;color:var(--deep-blue);font-weight:800}.hv-ret-text-control button[aria-pressed="true"]{background:var(--deep-blue);color:#fff}
.hv-ret-jumps{display:grid;grid-template-columns:repeat(auto-fit,minmax(155px,1fr));gap:.75rem;margin-top:1rem}.hv-ret-jump{display:flex;align-items:center;justify-content:center;padding:.7rem 1rem;border:1px solid rgba(16,44,70,.25);border-radius:12px;background:#fff;color:var(--deep-blue);font-weight:800;text-align:center}
.hv-ret-section{padding:clamp(3.75rem,7vw,6.5rem) 0;scroll-margin-top:130px}.hv-ret-section:nth-of-type(even){background:var(--ivory)}.hv-ret-section:nth-of-type(odd){background:#fff}.hv-ret-section-head{margin-bottom:2rem}.hv-ret-section-head>.eyebrow{color:#795f2b}.hv-ret-section-head p{color:var(--slate)}
.hv-ret-card-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,250px),1fr));gap:1rem}.hv-ret-card{padding:1.35rem;border:1px solid rgba(16,44,70,.17);border-radius:16px;background:#fff;box-shadow:0 10px 32px rgba(8,24,39,.07)}.hv-ret-card>p:last-child{margin-bottom:0}.hv-ret-card-number{display:block;color:#8b6c2e;font-weight:800;letter-spacing:.12em}.hv-ret-callout{margin:1.5rem 0;padding:1.25rem 1.4rem;border-left:4px solid var(--gold);border-radius:10px;background:var(--ivory)}
.hv-ret-stage{margin:2.25rem 0}.hv-ret-stage>h3{padding-bottom:.65rem;border-bottom:2px solid var(--gold)}.hv-ret-step{position:relative;margin:1rem 0;padding:1.35rem 1.35rem 1.35rem 1.5rem;border:1px solid rgba(16,44,70,.18);border-radius:16px;background:#fff}.hv-ret-step-head{display:flex;align-items:flex-start;justify-content:space-between;gap:1rem}.hv-ret-step-head h4{margin:0;color:var(--deep-blue);font-size:1.12em}.hv-ret-done{display:flex;align-items:center;gap:.5rem;white-space:nowrap;font-weight:800}.hv-ret-done input{width:24px;height:24px}.hv-ret-step dl{display:grid;grid-template-columns:9rem minmax(0,1fr);gap:.35rem 1rem;margin:1rem 0 0}.hv-ret-step dt{font-weight:800;color:var(--deep-blue)}.hv-ret-step dd{margin:0}
.hv-ret-fact{display:grid;gap:.35rem;padding:.8rem 0}.hv-ret-fact-value{font-weight:800;color:var(--deep-blue)}.hv-ret-source{display:block;font-size:.82em;font-weight:750;color:#315a78}
.hv-ret-table-wrap{overflow-x:auto;border:1px solid rgba(16,44,70,.18);border-radius:14px;background:#fff}.hv-ret table{width:100%;border-collapse:collapse;min-width:700px}.hv-ret th,.hv-ret td{padding:1rem;text-align:left;vertical-align:top;border-bottom:1px solid rgba(16,44,70,.13)}.hv-ret thead th{background:var(--deep-blue);color:#fff}.hv-ret thead button{width:100%;border:0;background:transparent;color:#fff;text-align:left;font-weight:800}.hv-ret tbody th{color:var(--deep-blue)}.hv-ret td a{color:#194d70;font-weight:750}
.hv-ret-details{margin:1rem 0;border:1px solid rgba(16,44,70,.18);border-radius:14px;background:#fff}.hv-ret-details summary{min-height:48px;padding:1rem 1.2rem;color:var(--deep-blue);font-weight:800;cursor:pointer}.hv-ret-details>div{padding:0 1.2rem 1.2rem}.hv-ret-question-list{columns:2;column-gap:2rem}.hv-ret-question-list li{break-inside:avoid;margin:0 0 .65rem}
.hv-ret-example{padding:1.25rem;border:1px dashed var(--gold);border-radius:12px;background:#fff}.hv-ret-example strong{color:var(--deep-blue)}
.hv-ret-section-nav{display:flex;justify-content:space-between;gap:1rem;flex-wrap:wrap;margin-top:2.5rem;padding-top:1.25rem;border-top:1px solid rgba(16,44,70,.15)}.hv-ret-section-nav a{font-weight:800;color:var(--deep-blue)}
.hv-ret-help{background:var(--navy)!important;color:#fff}.hv-ret-help h2{color:#fff}.hv-ret-help a{color:var(--gold-light)}.hv-ret-disclosure{margin-top:2rem;padding:1.25rem;border:1px solid rgba(255,255,255,.25);border-radius:14px;background:rgba(255,255,255,.08)}
.hv-ret-tool{margin-top:2rem;padding:clamp(1.25rem,3vw,2rem);border:1px solid rgba(16,44,70,.22);border-top:5px solid var(--gold);border-radius:18px;background:#fff;box-shadow:0 14px 38px rgba(8,24,39,.08)}
.hv-ret-tool-head{display:flex;align-items:flex-start;justify-content:space-between;gap:1rem;margin-bottom:1.5rem}.hv-ret-tool-head h3{margin:.25rem 0}.hv-ret-tool-head p{margin:.35rem 0 0;color:var(--slate)}.hv-ret-privacy{display:inline-flex;align-items:center;justify-content:center;max-width:18rem;min-height:36px;padding:.45rem .75rem;border-radius:999px;background:#e6f2ec;color:#155c38;font-size:.82em;font-weight:800;text-align:center}
.hv-ret-form-grid,.hv-ret-form-columns{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1rem}.hv-ret-form-columns{grid-template-columns:repeat(3,minmax(0,1fr));align-items:start}.hv-ret-tool label{display:grid;gap:.4rem;color:var(--deep-blue);font-weight:800}.hv-ret-tool label>span{font-weight:500;color:var(--slate)}.hv-ret-tool input:not([type="radio"]),.hv-ret-tool select{width:100%;min-height:48px;padding:.7rem .8rem;border:1px solid #8293a1;border-radius:9px;background:#fff;color:var(--ink);font:inherit}.hv-ret-tool input[type="radio"]{width:22px;height:22px;margin:0}.hv-ret-tool fieldset{display:grid;gap:.65rem;margin:0;padding:1rem;border:1px solid rgba(16,44,70,.22);border-radius:12px}.hv-ret-tool fieldset legend{padding:0 .4rem;color:var(--deep-blue);font-weight:800}.hv-ret-tool fieldset label{display:flex;align-items:center;gap:.55rem;font-weight:650}.hv-ret-form-columns fieldset label{display:grid;align-items:initial}.hv-ret-tool h4{margin:1.75rem 0 1rem;color:var(--deep-blue);font-size:1.2em}.hv-ret-field-help{margin-top:-.5rem;color:var(--slate)}.hv-ret-form-actions{display:flex;gap:.75rem;flex-wrap:wrap;margin-top:1.5rem}
.hv-ret-result{margin-top:1.5rem;padding:1.25rem;border-radius:14px;background:var(--soft);border-left:4px solid var(--gold)}.hv-ret-result>p:only-child{margin:0}.hv-ret-result-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1rem;margin:1rem 0}.hv-ret-result-item{padding:1rem;border-radius:12px;background:#fff;border:1px solid rgba(16,44,70,.14)}.hv-ret-result-item dt{font-weight:850;color:var(--deep-blue)}.hv-ret-result-item dd{margin:.35rem 0 0;line-height:1.55}.hv-ret-result-disclosure{font-size:.95em;color:var(--slate)}
.hv-ret .accordion-content p{max-width:none}.hv-ret .accordion-item button{min-height:56px}
.hv-ret [id]{scroll-margin-top:130px}.hv-ret :focus-visible{outline:3px solid var(--gold-light);outline-offset:4px}
@media(max-width:900px){.hv-ret-form-columns{grid-template-columns:1fr}}
@media(max-width:760px){.hv-ret-hero-grid{grid-template-columns:1fr}.hv-ret-summary{margin-top:1rem}.hv-ret-step-head{display:block}.hv-ret-done{margin-top:.8rem}.hv-ret-step dl{grid-template-columns:1fr}.hv-ret-step dd{margin-bottom:.65rem}.hv-ret-question-list{columns:1}.hv-ret-table-wrap{border-radius:8px}.hv-ret-tool-head{display:block}.hv-ret-privacy{margin-top:.8rem}.hv-ret-form-grid,.hv-ret-result-list{grid-template-columns:1fr}}
@media(max-width:390px){.hv-ret-jumps{grid-template-columns:1fr}.hv-ret-toolbar-row>.button{width:100%}}
@media(prefers-reduced-motion:reduce){.hv-ret *{scroll-behavior:auto!important;transition:none!important;animation:none!important}}
@media print{body.hv-ret-printing{background:#fff}.site-header,.prototype-banner,.site-footer,.hv-ret-toolbar,.hv-ret .button,.hv-ret .hv-ret-section-nav,.hv-ret .hv-ret-done input{display:none!important}.spa-page:not(#page-retirement-roadmap){display:none!important}#page-retirement-roadmap{display:block!important;font-size:10.5pt!important;color:#111!important}.hv-ret-hero,.hv-ret-help{padding:18pt 0;background:#fff!important;color:#111!important}.hv-ret-hero h1,.hv-ret-help h2{color:#111!important}.hv-ret-summary,.hv-ret-disclosure{border:1px solid #777;background:#fff!important;color:#111!important}.hv-ret-section{padding:18pt 0;background:#fff!important;break-before:page}.hv-ret-section:first-of-type{break-before:auto}body.hv-ret-section-print .hv-ret-hero,body.hv-ret-section-print .hv-ret-toolbar,body.hv-ret-section-print .hv-ret-section{display:none!important}body.hv-ret-section-print .hv-ret-section.hv-ret-print-target{display:block!important;break-before:auto}.hv-ret-card,.hv-ret-step,.hv-ret-details{box-shadow:none;break-inside:avoid}.hv-ret a[href^="http"]::after{content:" (" attr(href) ")";font-size:8pt;overflow-wrap:anywhere}.hv-ret-done::before{content:"□ ";font-size:14pt}.hv-ret-table-wrap{overflow:visible}.hv-ret table{min-width:0}.hv-ret p,.hv-ret li,.hv-ret td,.hv-ret th{font-size:9.5pt;line-height:1.45}}