.fers-ref-section{margin-top:3rem}.fers-ref-section .aeo-answer{max-width:52rem}.fers-ref-card{position:relative;margin:1.75rem 0 2.25rem;border-radius:var(--r-lg);background:var(--bg-1);border:1px solid var(--border);box-shadow:0 1px color-mix(in srgb,var(--text-1) 4%,transparent),0 18px 48px -28px color-mix(in srgb,var(--text-1) 35%,transparent);overflow:hidden}.fers-ref-card__accent{height:4px;width:100%;background:linear-gradient(90deg,var(--indigo-dk),var(--indigo-lt) 55%,color-mix(in srgb,var(--gold) 75%,var(--indigo-lt)));opacity:.95}.fers-ref-card__accent--mra{background:linear-gradient(90deg,var(--indigo-lt),var(--indigo) 40%,color-mix(in srgb,var(--green) 55%,var(--indigo)))}.fers-ref-card__inner{padding:1.35rem 1.35rem 1.25rem}@media (min-width: 640px){.fers-ref-card__inner{padding:1.5rem 1.65rem 1.4rem}}.fers-ref-card__header{margin-bottom:1.15rem}.fers-ref-card__title{font-size:1.05rem;font-weight:700;letter-spacing:-.02em;color:var(--text-1);margin:0 0 .45rem}.fers-ref-card__lede{margin:0;font-size:.875rem;line-height:1.65;color:var(--text-2);max-width:48rem}.fers-ref-card__lede strong{color:var(--text-1)}.fers-ref-table-scroll{overflow-x:auto;margin:0 -.15rem;padding:.15rem;border-radius:var(--r-md);-webkit-overflow-scrolling:touch}.fers-ref-table-scroll:focus-visible{outline:2px solid var(--indigo);outline-offset:2px}.fers-ref-table{width:100%;border-collapse:separate;border-spacing:0;font-size:.8125rem;min-width:560px}.fers-ref-table--compact{min-width:0}.fers-ref-table thead th{text-align:left;font-size:.68rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--text-3);padding:.65rem .85rem;background:color-mix(in srgb,var(--bg-2) 88%,var(--indigo) 4%);border-bottom:1px solid var(--border);white-space:nowrap}.fers-ref-table thead th:first-child{border-radius:var(--r-sm) 0 0 0}.fers-ref-table thead th:last-child{border-radius:0 var(--r-sm) 0 0}.fers-ref-table tbody td{padding:.72rem .85rem;vertical-align:middle;color:var(--text-2);border-bottom:1px solid color-mix(in srgb,var(--border) 85%,transparent);line-height:1.45}.fers-ref-table tbody tr:last-child td{border-bottom:none}.fers-ref-table tbody tr:nth-child(2n) td{background:color-mix(in srgb,var(--bg-2) 35%,transparent)}html[data-theme=dark] .fers-ref-table tbody tr:nth-child(2n) td{background:color-mix(in srgb,var(--bg-2) 55%,transparent)}.fers-ref-table tbody tr:hover td{background:color-mix(in srgb,var(--indigo) 6%,var(--bg-2));color:var(--text-1)}.fers-ref-row--caution td{background:color-mix(in srgb,var(--gold) 7%,transparent)!important;box-shadow:inset 3px 0 0 var(--gold-lt)}.fers-ref-row--caution:hover td{background:color-mix(in srgb,var(--gold) 11%,var(--bg-2))!important}.fers-ref-type{font-weight:600;color:var(--text-1)}.fers-ref-note{display:inline-block;font-weight:500;font-size:.76rem;color:var(--text-3);margin-left:.15rem}.fers-ref-muted{font-size:.78rem;color:var(--text-3);font-weight:500}.fers-mono{font-variant-numeric:tabular-nums;font-weight:600;color:var(--text-1);font-size:.8125rem}.fers-ref-num{font-weight:700;font-variant-numeric:tabular-nums;color:var(--indigo-dk);letter-spacing:-.01em}html[data-theme=dark] .fers-ref-num{color:var(--indigo-lt)}.fers-chip{display:inline-flex;align-items:center;padding:.22rem .55rem;border-radius:999px;font-size:.72rem;font-weight:700;letter-spacing:.02em}.fers-chip--ok{background:color-mix(in srgb,var(--green) 14%,transparent);color:var(--green);border:1px solid color-mix(in srgb,var(--green) 35%,transparent)}.fers-chip--warn{background:color-mix(in srgb,var(--gold) 14%,transparent);color:color-mix(in srgb,var(--gold) 85%,#451a03);border:1px solid color-mix(in srgb,var(--gold) 40%,transparent)}[data-theme=dark] .fers-chip--warn{color:var(--gold-lt)}.fers-pill{display:inline-flex;flex-direction:column;align-items:flex-start;gap:.05rem;padding:.28rem .6rem .32rem;border-radius:var(--r-sm);font-size:.72rem;font-weight:700;line-height:1.2;border:1px solid var(--border)}.fers-pill__main{font-size:.74rem}.fers-pill__sub{font-size:.65rem;font-weight:600;opacity:.82;max-width:7rem;line-height:1.25}.fers-pill--yes{background:color-mix(in srgb,var(--green) 12%,transparent);border-color:color-mix(in srgb,var(--green) 38%,transparent);color:var(--green)}.fers-pill--no{background:color-mix(in srgb,var(--text-3) 12%,transparent);border-color:color-mix(in srgb,var(--border) 90%,transparent);color:var(--text-2)}.fers-mra-grid{display:grid;gap:1.15rem;margin-top:.25rem}@media (min-width: 720px){.fers-mra-grid{grid-template-columns:1fr 1fr;gap:1.25rem}}.fers-mra-panel{background:color-mix(in srgb,var(--bg-2) 55%,transparent);border:1px solid var(--border);border-radius:var(--r-md);padding:.65rem .75rem .85rem}.fers-mra-panel__eyebrow{margin:0 0 .5rem .35rem;font-size:.65rem;font-weight:800;text-transform:uppercase;letter-spacing:.08em;color:var(--indigo-dk)}[data-theme=dark] .fers-mra-panel__eyebrow{color:var(--indigo-lt)}.fers-ref-card--mra .fers-ref-table thead th{background:color-mix(in srgb,var(--bg-1) 70%,var(--bg-2))}.fers-mra-panel .fers-ref-table tbody td{padding:.6rem .75rem;font-size:.8rem}.fers-mra-panel .fers-ref-table thead th{padding:.55rem .75rem}.fers-formula-section{margin-top:3rem}.fers-formula-section .aeo-answer{max-width:52rem}.fers-formula-card{margin-top:1.25rem;margin-bottom:1.35rem}.fers-ref-card__accent--special{background:linear-gradient(90deg,color-mix(in srgb,var(--gold) 70%,var(--indigo-dk)),var(--indigo-lt) 45%,color-mix(in srgb,var(--gold-lt) 55%,var(--indigo)))}.fers-formula-rows{display:flex;flex-direction:column;gap:.75rem;margin-bottom:1.15rem}.fers-formula-row{display:grid;grid-template-columns:auto 1fr;gap:.85rem 1rem;align-items:start;padding:.85rem 1rem;background:color-mix(in srgb,var(--bg-2) 65%,transparent);border:1px solid color-mix(in srgb,var(--border) 92%,transparent);border-radius:var(--r-md)}.fers-formula-row--flat{align-items:center}.fers-rate-tag{display:inline-flex;align-items:center;justify-content:center;min-width:3.1rem;padding:.35rem .5rem;border-radius:var(--r-sm);font-size:.78rem;font-weight:800;font-variant-numeric:tabular-nums;letter-spacing:.02em;color:var(--indigo-dk);background:color-mix(in srgb,var(--indigo) 12%,transparent);border:1px solid color-mix(in srgb,var(--indigo) 28%,transparent)}html[data-theme=dark] .fers-rate-tag{color:var(--indigo-lt)}.fers-rate-tag--bonus{color:color-mix(in srgb,var(--gold) 90%,#713f12);background:color-mix(in srgb,var(--gold) 14%,transparent);border-color:color-mix(in srgb,var(--gold) 38%,transparent)}html[data-theme=dark] .fers-rate-tag--bonus{color:var(--gold-lt)}.fers-rate-tag--sp{color:var(--text-1);background:color-mix(in srgb,var(--gold) 18%,var(--indigo) 8%);border-color:color-mix(in srgb,var(--gold) 42%,transparent)}.fers-formula-row__label{margin:0 0 .2rem;font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--text-3)}.fers-formula-row__eq{margin:0;font-size:.9rem;line-height:1.55;color:var(--text-2);font-variant-numeric:tabular-nums}.fers-formula-row__eq strong{color:var(--text-1);font-weight:700}.fers-formula-row__hint{display:block;margin-top:.35rem;font-size:.75rem;font-weight:500;font-style:italic;color:var(--text-3);letter-spacing:0;text-transform:none}.fers-result-panel{border-radius:var(--r-md);border:1px solid color-mix(in srgb,var(--indigo) 22%,var(--border));background:linear-gradient(165deg,color-mix(in srgb,var(--indigo) 8%,var(--bg-1)) 0%,var(--bg-1) 52%);padding:.95rem 1rem 1.05rem}.fers-result-panel__head{display:flex;flex-wrap:wrap;align-items:baseline;gap:.35rem .85rem;margin-bottom:.85rem;padding-bottom:.65rem;border-bottom:1px solid color-mix(in srgb,var(--border) 85%,transparent)}.fers-result-panel__title{font-size:.68rem;font-weight:800;text-transform:uppercase;letter-spacing:.07em;color:var(--indigo-dk)}html[data-theme=dark] .fers-result-panel__title{color:var(--indigo-lt)}.fers-result-panel__meta{font-size:.78rem;font-weight:600;color:var(--text-3)}.fers-result-grid{display:grid;gap:.85rem}@media (min-width: 560px){.fers-result-grid{grid-template-columns:1fr 1fr;gap:1rem}}.fers-result-cell{padding:.75rem .85rem;border-radius:var(--r-sm);background:color-mix(in srgb,var(--bg-2) 50%,transparent);border:1px solid var(--border)}.fers-result-cell__tag{display:inline-block;margin-bottom:.45rem;font-size:.65rem;font-weight:800;text-transform:uppercase;letter-spacing:.06em;color:var(--text-3)}.fers-result-cell__tag--bonus{color:color-mix(in srgb,var(--gold) 85%,#713f12)}html[data-theme=dark] .fers-result-cell__tag--bonus{color:var(--gold-lt)}.fers-result-cell__math{margin:0 0 .45rem;font-size:.8125rem;font-weight:600;font-variant-numeric:tabular-nums;color:var(--text-2)}.fers-result-cell__out{margin:0;font-size:.9rem;font-weight:600;color:var(--text-1)}.fers-result-cell__out--lg{font-size:1.05rem;margin-top:.15rem}.fers-result-cell__amt{font-size:1.15rem;font-weight:800;font-variant-numeric:tabular-nums;color:var(--gold);letter-spacing:-.02em}.fers-result-cell__sub{margin:.25rem 0 0;font-size:.78rem;font-weight:600;color:var(--text-3);font-variant-numeric:tabular-nums}.fers-result-panel--single .fers-result-stack{text-align:center;padding:.35rem .25rem .15rem}.fers-sp-math{margin:0 0 .5rem;font-size:.85rem;line-height:1.55;color:var(--text-2);font-variant-numeric:tabular-nums}.fers-sp-math strong{color:var(--text-1)}.fers-result-panel--single .fers-result-cell__math{text-align:center;margin-bottom:.35rem}.fers-result-panel--single .fers-result-cell__out{text-align:center}@media (prefers-reduced-motion: reduce){.fers-ref-table tbody tr{transition:none}}