@import"https://fonts.googleapis.com/css2?family=Plus+Jakarta+Sans:wght@400;500;600;700;800&display=swap";.ltc-page[data-astro-cid-irnwznxd]{font-family:Plus Jakarta Sans,system-ui,sans-serif;max-width:1140px;margin:0 auto;padding:0 1.25rem 4rem;color:#111827}.ltc-breadcrumb-wrap[data-astro-cid-irnwznxd]{padding:.75rem 0 0}.ltc-hero[data-astro-cid-irnwznxd]{position:relative;text-align:center;padding:3rem 1rem 2.5rem;overflow:hidden}.ltc-hero-bg[data-astro-cid-irnwznxd]{position:absolute;inset:0;background:radial-gradient(ellipse 80% 60% at 50% 0%,rgba(5,150,105,.08) 0%,transparent 70%);pointer-events:none}.ltc-hero-inner[data-astro-cid-irnwznxd]{position:relative;z-index:1}.ltc-badge[data-astro-cid-irnwznxd]{display:inline-flex;align-items:center;gap:.4rem;background:#ecfdf5;color:#065f46;border:1.5px solid #A7F3D0;font-size:.78rem;font-weight:700;padding:.3rem .9rem;border-radius:100px;letter-spacing:.06em;text-transform:uppercase;margin-bottom:1rem}.ltc-hero[data-astro-cid-irnwznxd] h1[data-astro-cid-irnwznxd]{font-size:clamp(2rem,5vw,3rem);font-weight:800;color:#065f46;margin:0 0 .85rem;letter-spacing:-.02em;line-height:1.15}.ltc-hero[data-astro-cid-irnwznxd] p[data-astro-cid-irnwznxd]{font-size:1.05rem;color:#4b5563;max-width:600px;margin:0 auto 1.5rem;line-height:1.65}.ltc-hero-stats[data-astro-cid-irnwznxd]{display:flex;justify-content:center;gap:.75rem;flex-wrap:wrap}.ltc-hero-stat[data-astro-cid-irnwznxd]{display:flex;align-items:center;gap:.4rem;font-size:.82rem;font-weight:600;color:#065f46;background:#f0fdf4;border:1px solid #D1FAE5;padding:.35rem .85rem;border-radius:100px}.ltc-card[data-astro-cid-irnwznxd]{background:#fff;border-radius:16px;border:1.5px solid #E5E7EB;padding:1.75rem;margin-bottom:1.5rem;box-shadow:0 1px 8px #0000000d}.ltc-card-title[data-astro-cid-irnwznxd]{display:flex;align-items:center;gap:.5rem;font-size:1.15rem;font-weight:800;color:#111827;margin:0 0 1.25rem;padding-bottom:.85rem;border-bottom:2px solid #F3F4F6}.ltc-card-icon[data-astro-cid-irnwznxd]{font-size:1.1rem}.ltc-calc-section[data-astro-cid-irnwznxd]{margin-bottom:0}.ltc-calc-grid[data-astro-cid-irnwznxd]{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem;align-items:start}.ltc-field[data-astro-cid-irnwznxd]{margin-bottom:1rem}.ltc-field[data-astro-cid-irnwznxd] label[data-astro-cid-irnwznxd]{display:block;font-size:.84rem;font-weight:700;color:#374151;margin-bottom:.4rem;letter-spacing:.01em}.ltc-optional[data-astro-cid-irnwznxd]{font-weight:400;color:#9ca3af;font-size:.8rem}.ltc-hint[data-astro-cid-irnwznxd]{font-size:.76rem;color:#9ca3af;margin:.3rem 0 0;line-height:1.4}.ltc-input-wrap[data-astro-cid-irnwznxd]{display:flex;align-items:stretch;border:1.5px solid #D1D5DB;border-radius:10px;overflow:hidden;background:#fff;transition:border-color .2s,box-shadow .2s}.ltc-input-wrap[data-astro-cid-irnwznxd]:focus-within{border-color:#059669;box-shadow:0 0 0 3px #0596691a}.ltc-fix[data-astro-cid-irnwznxd]{display:flex;align-items:center;padding:0 .7rem;background:#f9fafb;color:#6b7280;font-weight:700;font-size:.9rem;border-right:1.5px solid #D1D5DB;white-space:nowrap;flex-shrink:0}.ltc-fix-right[data-astro-cid-irnwznxd]{border-right:none;border-left:1.5px solid #D1D5DB}.ltc-input-wrap[data-astro-cid-irnwznxd] input[data-astro-cid-irnwznxd]{flex:1;border:none;outline:none;padding:.6rem .75rem;font-size:.95rem;font-family:inherit;color:#111827;background:transparent;min-width:0}.ltc-input-wrap[data-astro-cid-irnwznxd] input[data-astro-cid-irnwznxd][type=number]::-webkit-inner-spin-button{opacity:.5}.ltc-select-wrap[data-astro-cid-irnwznxd]{position:relative}.ltc-select-wrap[data-astro-cid-irnwznxd]:after{content:"";position:absolute;right:.85rem;top:50%;transform:translateY(-50%);width:0;height:0;border-left:5px solid transparent;border-right:5px solid transparent;border-top:6px solid #6B7280;pointer-events:none}.ltc-select-wrap[data-astro-cid-irnwznxd] select[data-astro-cid-irnwznxd]{width:100%;padding:.62rem 2.5rem .62rem .85rem;border:1.5px solid #D1D5DB;border-radius:10px;font-size:.9rem;font-family:inherit;color:#111827;background:#fff;appearance:none;-webkit-appearance:none;cursor:pointer;outline:none;transition:border-color .2s,box-shadow .2s}.ltc-select-wrap[data-astro-cid-irnwznxd] select[data-astro-cid-irnwznxd]:focus{border-color:#059669;box-shadow:0 0 0 3px #0596691a}.ltc-radio-group[data-astro-cid-irnwznxd]{display:flex;gap:.75rem}.ltc-radio-btn[data-astro-cid-irnwznxd]{flex:1;display:flex;flex-direction:column;align-items:center;gap:.2rem;padding:.85rem .5rem;border:1.5px solid #D1D5DB;border-radius:10px;cursor:pointer;transition:all .2s;text-align:center}.ltc-radio-btn[data-astro-cid-irnwznxd] input[data-astro-cid-irnwznxd]{display:none}.ltc-radio-btn[data-astro-cid-irnwznxd]:has(input:checked){border-color:#059669;background:#f0fdf4}.ltc-radio-icon[data-astro-cid-irnwznxd]{font-size:1.3rem}.ltc-radio-label[data-astro-cid-irnwznxd]{font-size:.85rem;font-weight:700;color:#374151}.ltc-radio-sub[data-astro-cid-irnwznxd]{font-size:.72rem;color:#9ca3af}.ltc-radio-btn[data-astro-cid-irnwznxd]:has(input:checked) .ltc-radio-label[data-astro-cid-irnwznxd]{color:#065f46}.ltc-btn-row[data-astro-cid-irnwznxd]{display:flex;gap:.75rem;margin-top:1.25rem}.ltc-btn-primary[data-astro-cid-irnwznxd]{flex:1;display:flex;align-items:center;justify-content:center;gap:.5rem;background:linear-gradient(135deg,#065f46,#059669);color:#fff;border:none;padding:.8rem 1.25rem;border-radius:10px;font-size:.95rem;font-weight:700;font-family:inherit;cursor:pointer;transition:all .2s;letter-spacing:.01em}.ltc-btn-primary[data-astro-cid-irnwznxd]:hover{opacity:.9;transform:translateY(-1px);box-shadow:0 4px 12px #0596694d}.ltc-btn-reset[data-astro-cid-irnwznxd]{background:#f9fafb;color:#6b7280;border:1.5px solid #E5E7EB;padding:.8rem 1.1rem;border-radius:10px;font-size:.88rem;font-weight:600;font-family:inherit;cursor:pointer;transition:all .2s}.ltc-btn-reset[data-astro-cid-irnwznxd]:hover{border-color:#9ca3af;color:#374151}.ltc-disclaimer[data-astro-cid-irnwznxd]{font-size:.73rem;color:#9ca3af;text-align:center;margin:.75rem 0 0}.ltc-placeholder[data-astro-cid-irnwznxd]{text-align:center;padding:2.5rem 1rem;color:#6b7280}.ltc-placeholder-trophy[data-astro-cid-irnwznxd]{font-size:3.5rem;margin-bottom:.75rem}.ltc-placeholder[data-astro-cid-irnwznxd] p[data-astro-cid-irnwznxd]{font-size:.9rem;color:#6b7280;line-height:1.6;margin-bottom:1rem}.ltc-placeholder-examples[data-astro-cid-irnwznxd]{display:flex;justify-content:center;gap:.5rem;flex-wrap:wrap}.ltc-placeholder-examples[data-astro-cid-irnwznxd] span[data-astro-cid-irnwznxd]{font-size:.76rem;color:#059669;background:#f0fdf4;border:1px solid #D1FAE5;padding:.25rem .65rem;border-radius:100px;font-weight:600}.ltc-summary-grid[data-astro-cid-irnwznxd]{display:grid;grid-template-columns:1fr 1fr;gap:.65rem;margin-bottom:1.25rem}.ltc-sum-card[data-astro-cid-irnwznxd]{border-radius:10px;padding:.9rem;text-align:center;border:1.5px solid}.ltc-sum-primary[data-astro-cid-irnwznxd]{background:#eff6ff;border-color:#bfdbfe}.ltc-sum-green[data-astro-cid-irnwznxd]{background:#f0fdf4;border-color:#a7f3d0}.ltc-sum-red[data-astro-cid-irnwznxd]{background:#fef2f2;border-color:#fecaca}.ltc-sum-amber[data-astro-cid-irnwznxd]{background:#fffbeb;border-color:#fde68a}.ltc-sum-label[data-astro-cid-irnwznxd]{font-size:.71rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em;color:#6b7280;margin-bottom:.35rem}.ltc-sum-val[data-astro-cid-irnwznxd]{font-size:1.2rem;font-weight:800;color:#111827}.ltc-sum-green[data-astro-cid-irnwznxd] .ltc-sum-val[data-astro-cid-irnwznxd]{color:#065f46}.ltc-sum-red[data-astro-cid-irnwznxd] .ltc-sum-val[data-astro-cid-irnwznxd]{color:#dc2626}.ltc-sum-amber[data-astro-cid-irnwznxd] .ltc-sum-val[data-astro-cid-irnwznxd]{color:#92400e}.ltc-sum-primary[data-astro-cid-irnwznxd] .ltc-sum-val[data-astro-cid-irnwznxd]{color:#1e40af}.ltc-section-sub[data-astro-cid-irnwznxd]{font-size:.92rem;font-weight:700;color:#374151;margin:0 0 .6rem}.ltc-table[data-astro-cid-irnwznxd]{width:100%;border-collapse:collapse;font-size:.85rem}.ltc-table[data-astro-cid-irnwznxd] th[data-astro-cid-irnwznxd]{background:#f9fafb;font-size:.73rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em;color:#6b7280;padding:.55rem .7rem;text-align:left;border-bottom:2px solid #E5E7EB}.ltc-table[data-astro-cid-irnwznxd] th[data-astro-cid-irnwznxd]:last-child,.ltc-table[data-astro-cid-irnwznxd] td[data-astro-cid-irnwznxd]:last-child{text-align:right}.ltc-table[data-astro-cid-irnwznxd] td[data-astro-cid-irnwznxd]{padding:.55rem .7rem;border-bottom:1px solid #F3F4F6;color:#374151}.ltc-table[data-astro-cid-irnwznxd] tbody[data-astro-cid-irnwznxd] tr[data-astro-cid-irnwznxd]:last-child td[data-astro-cid-irnwznxd]{border-bottom:none;font-weight:700;color:#111827}.ltc-table[data-astro-cid-irnwznxd] tfoot[data-astro-cid-irnwznxd] td[data-astro-cid-irnwznxd]{font-weight:800;background:#f9fafb;border-top:2px solid #E5E7EB;color:#111827}.ltc-table-scroll[data-astro-cid-irnwznxd]{overflow-x:auto;-webkit-overflow-scrolling:touch}.ltc-info-block[data-astro-cid-irnwznxd],.ltc-bracket-block[data-astro-cid-irnwznxd]{border-radius:8px;padding:.8rem .95rem;font-size:.82rem;line-height:1.5;margin-top:.7rem}.ltc-info-block[data-astro-cid-irnwznxd]{background:#eff6ff;border:1.5px solid #BFDBFE;color:#1e40af}.ltc-bracket-block[data-astro-cid-irnwznxd]{background:#f0fdf4;border:1.5px solid #A7F3D0;color:#065f46}.ltc-annuity-header[data-astro-cid-irnwznxd]{margin-bottom:1rem}.ltc-annuity-note[data-astro-cid-irnwznxd]{font-size:.84rem;color:#6b7280;margin:0;line-height:1.5}.ltc-annuity-table[data-astro-cid-irnwznxd] tbody[data-astro-cid-irnwznxd] tr[data-astro-cid-irnwznxd]:nth-child(2n) td[data-astro-cid-irnwznxd]{background:#f9fafb}.ltc-compare-grid[data-astro-cid-irnwznxd]{display:grid;grid-template-columns:1fr auto 1fr;gap:0;margin-bottom:1rem}.ltc-compare-divider[data-astro-cid-irnwznxd]{display:flex;align-items:center;justify-content:center;width:48px}.ltc-compare-divider[data-astro-cid-irnwznxd] span[data-astro-cid-irnwznxd]{font-size:.75rem;font-weight:800;color:#9ca3af;background:#f3f4f6;border:1.5px solid #E5E7EB;border-radius:50%;width:32px;height:32px;display:flex;align-items:center;justify-content:center;flex-shrink:0}.ltc-compare-col[data-astro-cid-irnwznxd]{padding:1.25rem;border-radius:12px;border:1.5px solid #E5E7EB}.ltc-compare-lump[data-astro-cid-irnwznxd]{background:#fffbeb;border-color:#fde68a}.ltc-compare-ann[data-astro-cid-irnwznxd]{background:#eff6ff;border-color:#bfdbfe}.ltc-compare-head[data-astro-cid-irnwznxd]{display:flex;align-items:center;gap:.6rem;margin-bottom:.85rem}.ltc-compare-emoji[data-astro-cid-irnwznxd]{font-size:1.5rem}.ltc-compare-head[data-astro-cid-irnwznxd] h3[data-astro-cid-irnwznxd]{font-size:1rem;font-weight:800;margin:0;color:#111827}.ltc-compare-list[data-astro-cid-irnwznxd]{list-style:none;padding:0;margin:0}.ltc-compare-list[data-astro-cid-irnwznxd] li[data-astro-cid-irnwznxd]{font-size:.82rem;color:#374151;padding:.3rem 0;display:flex;align-items:flex-start;gap:.5rem;border-bottom:1px solid rgba(0,0,0,.04);line-height:1.4}.ltc-compare-list[data-astro-cid-irnwznxd] li[data-astro-cid-irnwznxd]:before{flex-shrink:0}.ltc-compare-list[data-astro-cid-irnwznxd] li[data-astro-cid-irnwznxd].pro:before{content:"✅";font-size:.75rem;margin-top:.1rem}.ltc-compare-list[data-astro-cid-irnwznxd] li[data-astro-cid-irnwznxd].con:before{content:"❌";font-size:.75rem;margin-top:.1rem}.ltc-expert-tip[data-astro-cid-irnwznxd]{display:flex;gap:.75rem;background:#f0fdf4;border:1.5px solid #A7F3D0;border-radius:10px;padding:.9rem 1rem;font-size:.84rem;color:#065f46;line-height:1.55;align-items:flex-start}.ltc-tip-icon[data-astro-cid-irnwznxd]{font-size:1.2rem;flex-shrink:0;margin-top:.05rem}.ltc-steps[data-astro-cid-irnwznxd]{display:flex;flex-direction:column;gap:1rem}.ltc-step[data-astro-cid-irnwznxd]{display:flex;gap:1rem;align-items:flex-start}.ltc-step-num[data-astro-cid-irnwznxd]{min-width:34px;height:34px;background:linear-gradient(135deg,#065f46,#059669);color:#fff;font-weight:800;font-size:.88rem;border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0;box-shadow:0 2px 6px #0596694d}.ltc-step-body[data-astro-cid-irnwznxd] strong[data-astro-cid-irnwznxd]{display:block;font-size:.92rem;font-weight:700;color:#111827;margin-bottom:.2rem}.ltc-step-body[data-astro-cid-irnwznxd] p[data-astro-cid-irnwznxd]{font-size:.84rem;color:#6b7280;margin:0;line-height:1.55}.ltc-seo-card[data-astro-cid-irnwznxd] h2[data-astro-cid-irnwznxd]{font-size:1.4rem;font-weight:800;color:#111827;margin:0 0 .85rem;letter-spacing:-.01em}.ltc-seo-card[data-astro-cid-irnwznxd] h3[data-astro-cid-irnwznxd]{font-size:1rem;font-weight:700;color:#065f46;margin:1.4rem 0 .5rem;padding-left:.65rem;border-left:3px solid #059669}.ltc-seo-card[data-astro-cid-irnwznxd] p[data-astro-cid-irnwznxd]{font-size:.9rem;color:#4b5563;line-height:1.75;margin:0 0 .75rem}.ltc-seo-card[data-astro-cid-irnwznxd] ul[data-astro-cid-irnwznxd]{padding-left:0;margin:.5rem 0 1rem;list-style:none}.ltc-seo-card[data-astro-cid-irnwznxd] ul[data-astro-cid-irnwznxd] li[data-astro-cid-irnwznxd]{font-size:.9rem;color:#4b5563;line-height:1.7;margin-bottom:.4rem;padding-left:1.2rem;position:relative}.ltc-seo-card[data-astro-cid-irnwznxd] ul[data-astro-cid-irnwznxd] li[data-astro-cid-irnwznxd]:before{content:"→";position:absolute;left:0;color:#059669;font-weight:700}.ltc-faq-title[data-astro-cid-irnwznxd]{font-size:1.4rem;font-weight:800;color:#111827;margin:0 0 1.25rem;letter-spacing:-.01em}.ltc-faq-item[data-astro-cid-irnwznxd]{border-bottom:1px solid #F3F4F6}.ltc-faq-item[data-astro-cid-irnwznxd]:last-child{border-bottom:none}.ltc-faq-q[data-astro-cid-irnwznxd]{width:100%;background:none;border:none;text-align:left;padding:1rem 0;font-size:.9rem;font-weight:700;font-family:inherit;color:#111827;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:1rem;transition:color .2s}.ltc-faq-q[data-astro-cid-irnwznxd]:hover{color:#059669}.ltc-faq-icon[data-astro-cid-irnwznxd]{flex-shrink:0;color:#059669;transition:transform .25s ease}.ltc-faq-q[data-astro-cid-irnwznxd].open .ltc-faq-icon[data-astro-cid-irnwznxd]{transform:rotate(180deg)}.ltc-faq-a[data-astro-cid-irnwznxd]{max-height:0;overflow:hidden;transition:max-height .3s ease}.ltc-faq-a[data-astro-cid-irnwznxd].open{max-height:400px}.ltc-faq-a[data-astro-cid-irnwznxd] p[data-astro-cid-irnwznxd]{font-size:.86rem;color:#4b5563;line-height:1.7;padding-bottom:1rem;margin:0}.ltc-related[data-astro-cid-irnwznxd]{margin-top:.5rem}@media(max-width:900px){.ltc-calc-grid[data-astro-cid-irnwznxd]{grid-template-columns:1fr}}@media(max-width:640px){.ltc-page[data-astro-cid-irnwznxd]{padding:0 .9rem 3rem}.ltc-hero[data-astro-cid-irnwznxd]{padding:2rem .75rem 1.75rem}.ltc-hero[data-astro-cid-irnwznxd] p[data-astro-cid-irnwznxd]{font-size:.95rem}.ltc-card[data-astro-cid-irnwznxd]{padding:1.25rem}.ltc-summary-grid[data-astro-cid-irnwznxd]{grid-template-columns:1fr 1fr}.ltc-sum-val[data-astro-cid-irnwznxd]{font-size:1rem}.ltc-compare-grid[data-astro-cid-irnwznxd]{grid-template-columns:1fr}.ltc-compare-divider[data-astro-cid-irnwznxd]{display:none}}@media(max-width:420px){.ltc-hero[data-astro-cid-irnwznxd] h1[data-astro-cid-irnwznxd]{font-size:1.7rem}.ltc-btn-row[data-astro-cid-irnwznxd]{flex-direction:column}.ltc-hero-stats[data-astro-cid-irnwznxd]{gap:.4rem}.ltc-summary-grid[data-astro-cid-irnwznxd]{grid-template-columns:1fr 1fr;gap:.4rem}}