@font-face{font-family:Schibsted Grotesk;font-style:normal;font-weight:400;font-display:fallback;src:url(/fonts/schibsted-grotesk-400.woff2) format("woff2");unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}@font-face{font-family:Schibsted Grotesk;font-style:normal;font-weight:700;font-display:fallback;src:url(/fonts/schibsted-grotesk-700.woff2) format("woff2");unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}@font-face{font-family:Public Sans;font-style:normal;font-weight:400;font-display:fallback;src:url(/fonts/public-sans-400.woff2) format("woff2");unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}@font-face{font-family:Public Sans;font-style:normal;font-weight:700;font-display:fallback;src:url(/fonts/public-sans-700.woff2) format("woff2");unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}:root{--ink: #1b1b1b;--paper: #eff4f8;--panel: #dfe6ec;--navy: #123058;--steel: #3c75a5;--mist: #aecfe3;--rule: #c3ced8;--soft-ink: #3b4652;--wide: 980px}*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{margin:0;min-height:100vh;display:flex;flex-direction:column;background:var(--paper);color:var(--ink);font:400 17px/1.6 Public Sans,Helvetica Neue,Arial,sans-serif}h1,h2,h3,legend,.ask-label{font-family:Schibsted Grotesk,Helvetica Neue,Arial,sans-serif;color:var(--navy);font-weight:700;line-height:1.2}h1{font-size:2.1rem;margin:1.6rem 0 .6rem}h2{font-size:1.4rem;margin:2rem 0 .6rem}h3{font-size:1.12rem;margin:1.2rem 0 .3rem}p{margin:0 0 .9rem}a{color:var(--navy);text-decoration-thickness:1px;text-underline-offset:3px}a:hover{color:var(--steel)}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid var(--steel);outline-offset:2px}.jump-link{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:.6rem 1rem;z-index:30}.jump-link:focus{left:1rem}.masthead-shell{position:sticky;top:0;z-index:20}.masthead{background:var(--paper);border-bottom:1px solid var(--rule)}.masthead-row{max-width:var(--wide);margin:0 auto;padding:.55rem 1.25rem;display:flex;align-items:center;justify-content:space-between;gap:1rem}.brand-home{display:block;line-height:0}.brand-home img{height:48px;width:auto}.masthead-links{display:flex;gap:1.6rem}.masthead-links a{color:var(--navy);text-decoration:none;font-weight:700;padding:.7rem 0;border-bottom:2px solid transparent}.masthead-links a:hover,.masthead-links a.is-here{border-bottom-color:var(--steel);color:var(--navy)}.masthead-links a:focus-visible{outline-offset:4px}.masthead-toggle,.phone-drawer{display:none}main{max-width:var(--wide);width:100%;box-sizing:border-box;flex:1 0 auto;margin:0 auto;padding:0 1.25rem 3rem}.first-line,.lede-text p:first-child{font-size:1.08rem}.prose-run{max-width:100%}.prose-part ul,.prose-part ol,.asked-item ul{padding-left:1.3rem}.prose-part li,.asked-item li{margin-bottom:.35rem}.plan-question,.cashout-steps,.ledger-tool,.roth-calc{background:var(--panel);border-radius:8px;padding:1.25rem 1.4rem 1.4rem;margin:1.2rem 0 1.5rem}.ask-step{border:0;margin:0 0 1.2rem;padding:0;min-width:0}.ask-step legend,.ask-label{font-size:1.2rem;margin-bottom:.7rem;padding:0;display:block}.step-count{margin:0 0 .5rem;color:var(--soft-ink);font-weight:700}.step-hint{margin:-.3rem 0 .7rem;color:var(--soft-ink)}.choice-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(11rem,1fr));gap:.7rem}.narrow-choices,.bracket-grid{grid-template-columns:repeat(4,minmax(0,1fr))}.choice-button{font:inherit;text-align:left;min-height:58px;padding:.75rem .9rem;border-radius:6px;border:1px solid #a9b8c6;background:#fff;color:var(--ink);cursor:pointer;transition:background-color .15s,border-color .15s}.choice-button span{display:block;font-size:.9rem;color:var(--soft-ink)}.choice-button:hover{border-color:var(--navy);background:#f7fafc}.choice-button[aria-pressed=true]{background:var(--navy);border-color:var(--navy);color:#fff}.choice-button[aria-pressed=true] span{color:#dbe6f0}.quiet-button{font:inherit;min-height:44px;padding:.55rem 1rem;border-radius:6px;border:1px solid var(--navy);background:#fff;color:var(--navy);font-weight:700;cursor:pointer}.quiet-button:hover{background:#e8eff5}.quiet-button[aria-pressed=true]{background:var(--navy);color:#fff}input[type=text],select{font:inherit;font-size:1.05rem;min-height:48px;width:100%;max-width:22rem;padding:.55rem .75rem;border:1px solid #8fa1b2;border-radius:6px;background:#fff;color:var(--ink)}input[type=text]:hover,select:hover{border-color:var(--navy)}label,.control-label{display:block;font-weight:700;margin-bottom:.35rem}.input-help{color:#7a2a12;margin:.4rem 0 0}.state-row{display:flex;gap:.7rem;flex-wrap:wrap;align-items:center}.state-row input{max-width:10rem}.route-answer,.cashout-answer{margin-top:.4rem;font-size:1.12rem}.done-step{display:flex;align-items:center;justify-content:space-between;gap:1rem;background:#fff;border-radius:8px;padding:.5rem .5rem .5rem 1rem;margin-bottom:.8rem}.answer-wait{font-weight:700;color:var(--soft-ink);margin:0}.answer-count{font-weight:700}.route-list{list-style:none;padding:0;margin:0 0 1rem;display:grid;gap:.8rem}.route-card{background:#fff;border-radius:8px;padding:1rem 1.1rem}.route-card .route-name{margin:0 0 .4rem;font-size:1.25rem}.route-card p{margin-bottom:.45rem}.route-cost{font-size:1.1rem}.balance-add{margin:.4rem 0 1rem}.leave-line{color:var(--soft-ink);font-size:.95rem;margin:.6rem 0 0}.kept-line{font-size:1.3rem;margin-bottom:.6rem}.kept-number{font-family:Schibsted Grotesk,Helvetica Neue,Arial,sans-serif;font-size:2.2rem;color:var(--navy)}.cost-split{padding-left:1.2rem}.side-by-side{background:#fff;border-radius:8px;padding:.9rem 1rem}.method-fold{margin-top:1rem}.method-fold summary{cursor:pointer;font-weight:700;color:var(--navy);padding:.7rem 0}.ledger-controls{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem;align-items:start}.sort-buttons{display:flex;flex-wrap:wrap;gap:.4rem}.ledger-summary{font-weight:700;margin:1rem 0 .6rem}table{border-collapse:collapse;width:100%;background:#fff;border-radius:8px;overflow:hidden;margin:0 0 1.1rem}th,td{text-align:left;vertical-align:top;padding:.7rem .75rem;border-bottom:1px solid #e1e7ec;font-size:.97rem}thead th{background:var(--navy);color:#fff;font-family:Schibsted Grotesk,Helvetica Neue,Arial,sans-serif;font-weight:700}tbody th{font-weight:700}.num-col{text-align:right}.cell-rule{display:block;color:var(--soft-ink);font-size:.88rem}.hide-text{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}.table-key{font-size:.95rem;margin:.4rem 0 .8rem}.table-foot,.fee-source{color:var(--soft-ink);font-size:.95rem;margin-top:.6rem}.fee-panel,.risk-panel,.rule-line{background:var(--panel);border-radius:8px;padding:1.1rem 1.3rem;margin:1.4rem 0}.fee-panel h2,.risk-panel h2,.rule-line h2{margin-top:.2rem}.risk-panel{border:1px solid #b9c5d0}.compact-ledger{max-width:36rem;margin-bottom:1rem}.fact-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.6rem 1.5rem;margin:0 0 .6rem}.fact-list dt{font-weight:700;color:var(--navy)}.fact-list dd{margin:0}.fact-list>div:last-child:nth-child(odd){grid-column:1 / -1}.rule-steps{padding-left:1.2rem;margin:0}.rule-steps li{margin-bottom:.6rem}.rule-state{color:var(--soft-ink)}.plain-list,.other-picks ul,.read-next ul{padding-left:1.2rem}.route-table-wrap{margin:1.5rem 0}.baseline{border-top:1px solid var(--rule);background:var(--paper)}.baseline-links{max-width:var(--wide);margin:0 auto;padding:1.2rem 1.25rem .4rem;display:flex;flex-wrap:wrap;gap:.3rem 1.3rem}.baseline-links a{display:inline-block;padding:.5rem 0}.baseline-note{max-width:var(--wide);margin:0 auto;padding:0 1.25rem .5rem;color:var(--soft-ink);font-size:.92rem}.baseline-note:last-child{padding-bottom:1.5rem}@media(max-width:960px){.choice-grid,.narrow-choices,.bracket-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.ledger-controls{grid-template-columns:1fr}}@media(max-width:800px){.masthead-links{display:none}.masthead-toggle{display:inline-flex;align-items:center;font:inherit;font-weight:700;min-height:44px;padding:.4rem 1rem;border:1px solid var(--navy);border-radius:6px;background:#fff;color:var(--navy);cursor:pointer}.masthead-toggle:hover{background:#e8eff5}.phone-drawer.is-open{display:block;border-top:1px solid var(--rule);padding:.4rem 1.25rem .8rem;background:var(--paper)}.phone-drawer a{display:block;padding:.8rem 0;font-weight:700;text-decoration:none;border-bottom:1px solid #dde4ea}.brand-home img{height:38px}h1{font-size:1.7rem}.fact-list{grid-template-columns:1fr}.stack-cells,.stack-cells thead,.stack-cells tbody,.stack-cells tr,.stack-cells th,.stack-cells td{display:block;width:100%}.stack-cells thead{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}.stack-cells tbody tr{border-bottom:2px solid var(--panel);padding:.5rem 0}.stack-cells tbody th,.stack-cells tbody td{border:0;padding:.3rem .9rem;text-align:left}.stack-cells tbody td[data-label],.stack-cells tbody th[data-label]{display:grid;grid-template-columns:minmax(6rem,32%) 1fr;gap:.6rem}.stack-cells tbody td[data-label]:before,.stack-cells tbody th[data-label]:before{content:attr(data-label);font-size:.85rem;font-weight:700;color:var(--soft-ink)}.stack-cells .num-col{text-align:left}th,td{padding:.5rem .45rem;font-size:.92rem}}@media(max-width:560px){.choice-grid,.narrow-choices,.bracket-grid{grid-template-columns:1fr}body{font-size:16px}}.masthead-row{justify-content:flex-start}.masthead-links{margin-left:auto}.masthead-call{font-weight:700;color:var(--navy);text-decoration:none;white-space:nowrap;padding:.6rem .9rem;border:1px solid var(--navy);border-radius:6px;min-height:44px;display:inline-flex;align-items:center}.masthead-call:hover{background:#e8eff5;color:var(--navy)}.call-panel{background:var(--panel);border-radius:8px;padding:1.1rem 1.3rem;margin:1.6rem 0}.call-panel h2{margin-top:.2rem}.call-row{display:flex;flex-wrap:wrap;align-items:center;gap:.6rem 1.2rem}.call-link{display:inline-flex;align-items:center;min-height:48px;padding:.7rem 1.2rem;border-radius:6px;background:var(--navy);color:#fff;font-weight:700;text-decoration:none}.call-link:hover{background:#1d4478;color:#fff}.first-line .call-link{min-height:44px;padding:.35rem .8rem}.quiet-link{font-weight:700}.answer-call{background:#fff;border-radius:8px;padding:.9rem 1rem;margin-top:.8rem}.answer-call p{margin-bottom:.5rem}.ask-form{background:var(--panel);border-radius:8px;padding:1.25rem 1.4rem;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1rem 1.5rem;margin:1.2rem 0 1.6rem}.ask-form input[type=text],.ask-form input[type=tel],.ask-form input[type=email],.ask-form select,.ask-form textarea{font:inherit;width:100%;max-width:none;min-height:48px;padding:.55rem .75rem;border:1px solid #8fa1b2;border-radius:6px;background:#fff;color:var(--ink)}.ask-form textarea{min-height:7rem;resize:vertical}.wide-cell,.consent-line,.send-button{grid-column:1 / -1}.consent-line{font-size:.95rem;color:var(--soft-ink);margin:0}.send-button{justify-self:start;font:inherit;font-weight:700;min-height:48px;padding:.7rem 1.6rem;border:0;border-radius:6px;background:var(--navy);color:#fff;cursor:pointer}.send-button:hover{background:#1d4478}.fax-trap{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}@media(max-width:800px){.masthead-links{margin-left:0}.masthead-call{margin-left:auto;padding:.5rem .7rem}.masthead-row{gap:.6rem}.ask-form{grid-template-columns:1fr}}@media(max-width:380px){.masthead-row{padding:.5rem .75rem;gap:.45rem}.brand-home img{height:32px}.masthead-call{font-size:.95rem;padding:.5rem .55rem}.masthead-toggle{padding:.4rem .7rem}th,td{padding:.45rem .3rem;font-size:.86rem}}.ledger-answer{margin-top:1rem;font-size:1.12rem}.table-scroll{overflow-x:auto;margin:0 0 1.1rem}.table-scroll table{margin:0;overflow:visible}@media(max-width:560px){.table-scroll th,.table-scroll td{padding:.45rem .35rem;font-size:.86rem}.table-scroll th:nth-child(n+4),.table-scroll td:nth-child(n+4){display:none}}.table-scroll tbody td:first-child,.table-scroll tbody th:first-child{position:sticky;left:0;background:#fff;box-shadow:1px 0 #e1e7ec}.table-scroll thead th:first-child{position:sticky;left:0;background:var(--navy)}.stack-cells tbody th[data-label] .cell-rule,.stack-cells tbody td[data-label] .cell-rule{grid-column:2}.phone-note{display:none}@media(max-width:560px){.phone-note{display:block;color:var(--soft-ink);font-size:.95rem}}.plan-ledger thead th:first-child{width:21%}.plan-ledger .group-row th{background:var(--panel);color:var(--navy);font-weight:700}@media(max-width:800px){.stack-cells tbody tr.group-row th[data-label]:before{content:none}.stack-cells tbody tr.group-row th[data-label]{display:block;padding:.6rem .9rem}}