.meta-health-tool-page .article-shell{max-width:1280px}.meta-health-tool-page .article-shell>.article-body{max-width:none}.meta-health-tool-page .article-heading{max-width:1000px}.mhs{--mhs-blue:#123e6e;--mhs-deep:#0c2c50;--mhs-red:#e02b2b;--mhs-muted:#536575;--mhs-line:#d6e0e8;color:#233e54;font-size:15px;line-height:1.6;overflow-wrap:normal}.mhs [hidden]{display:none!important}.mhs h2,.mhs h3,.mhs p{margin:0}.mhs h2{font-size:29px;line-height:1.2;letter-spacing:-.035em}.mhs h3{font-size:19px;line-height:1.3;letter-spacing:-.02em}.mhs-kicker{display:block;text-transform:uppercase;color:var(--mhs-red);font-size:10px;letter-spacing:.12em;font-weight:700;margin-bottom:12px}.mhs-intro{display:grid;grid-template-columns:1fr auto;align-items:center;gap:40px;padding:14px 0 30px}.mhs-intro p{max-width:740px;margin-top:14px;color:var(--mhs-muted)}.mhs-period{border-left:2px solid var(--mhs-red);padding:3px 0 3px 20px;display:grid;gap:4px;min-width:200px}.mhs-period span{font-size:12px;color:var(--mhs-muted)}.mhs-period strong{font-size:17px;color:var(--mhs-blue)}.mhs-form{border:1px solid var(--mhs-line);border-top:3px solid var(--mhs-blue);background:#fff;border-radius:5px;margin:0;padding:30px}.mhs-form-top{display:grid;grid-template-columns:minmax(0,1fr) 290px;gap:34px;align-items:start}.mhs fieldset{min-width:0;border:0;padding:0;margin:0}.mhs legend{font-size:19px;font-weight:650;color:var(--mhs-blue);padding:0;margin-bottom:26px;line-height:1.4}.mhs-step{font-size:11px;letter-spacing:.04em;color:var(--mhs-red);padding-right:10px}.mhs-field-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px 22px}.mhs-field{min-width:0}.mhs-field label{font-size:13px;color:var(--mhs-blue);font-weight:650;display:block;margin-bottom:9px;line-height:1.45}.mhs-field small{display:block;color:var(--mhs-muted);font-size:11px;line-height:1.6;margin-top:8px}.mhs-wide{grid-column:1/-1}.mhs-field input,.mhs-field select{display:block;width:100%;max-width:100%;height:49px;border:1px solid #9eafbe;border-radius:3px;background:#fff;color:var(--mhs-blue);padding:11px 12px;font:inherit;font-size:16px;line-height:1.4}.mhs-field select{font-size:13px;padding-right:28px}.mhs-field input::placeholder{color:#637686;opacity:1;font-size:13px}.mhs-field input[aria-invalid=true]{border:2px solid var(--mhs-red)}.mhs-money{position:relative}.mhs-money>span{position:absolute;left:13px;top:50%;transform:translateY(-50%);color:#61798b;font-size:13px;pointer-events:none}.mhs-money>input{padding-left:40px;font-variant-numeric:tabular-nums}.mhs input:focus-visible,.mhs select:focus-visible,.mhs button:focus-visible,.mhs summary:focus-visible{outline:2px solid var(--mhs-blue);outline-offset:3px}.mhs-rate-panel{background:#f2f6fa;padding:23px 22px;border-radius:4px;border:1px solid #e0e8ef}.mhs-rate-panel .mhs-kicker{color:var(--mhs-blue);font-size:10px;letter-spacing:.07em}.mhs .mhs-rate-equation{font-size:17px;color:var(--mhs-blue);line-height:1.5;margin-bottom:16px;white-space:nowrap}.mhs-rate-equation strong{font-size:27px;letter-spacing:-.03em}.mhs-rate-panel>p:not(.mhs-rate-equation){font-size:12px;line-height:1.7;color:var(--mhs-muted)}.mhs-transition-rate{display:grid;gap:6px;border-top:1px solid #d7e1ea;margin-top:18px;padding-top:16px}.mhs-transition-rate span{font-size:11px;color:var(--mhs-muted)}.mhs-transition-rate strong{font-size:15px;color:var(--mhs-blue)}.mhs-rate-panel>small{display:block;font-size:10px;line-height:1.7;color:var(--mhs-muted);margin-top:17px}.mhs-settings{border-top:1px solid var(--mhs-line);margin-top:28px;padding-top:2px}.mhs summary{cursor:pointer;list-style:none;position:relative;font-weight:650;font-size:14px;color:var(--mhs-blue);padding:19px 34px 19px 0;line-height:1.5}.mhs summary::-webkit-details-marker{display:none}.mhs summary:after{content:'+';position:absolute;right:2px;top:17px;font-weight:400;font-size:23px;line-height:1}.mhs details[open]>summary:after{content:'−'}.mhs summary>span{display:block;font-weight:400;font-size:11px;color:var(--mhs-muted);margin-top:3px}.mhs-settings-inner{padding:6px 0 22px}.mhs-settings-inner>p{font-size:12px;color:var(--mhs-muted);max-width:750px;margin-bottom:22px}.mhs-settings-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}.mhs-settings-grid .mhs-wide{grid-column:span 2}.mhs-submit-row{display:flex;align-items:center;gap:25px;padding-top:23px;border-top:1px solid var(--mhs-line)}.mhs-submit{display:inline-flex;align-items:center;justify-content:center;gap:30px;background:var(--mhs-blue);border:1px solid var(--mhs-blue);border-radius:3px;color:#fff;padding:15px 24px;font:inherit;font-size:14px;font-weight:650;min-height:52px;cursor:pointer}.mhs-submit:hover{background:var(--mhs-deep)}.mhs-submit span{font-size:21px;font-weight:400;line-height:1}.mhs-submit-row p{color:var(--mhs-muted);font-size:11px;line-height:1.7}.mhs-error,.mhs-alert{background:#fff4f3;border-left:3px solid var(--mhs-red);padding:14px 18px;color:#8a2222;font-size:13px;margin-top:20px!important}.mhs-results{padding-top:42px}.mhs-results-heading{display:flex;align-items:flex-end;justify-content:space-between;gap:25px;margin-bottom:23px}.mhs-results-heading p{font-size:12px;color:var(--mhs-muted);text-align:right;max-width:280px}.mhs-results-heading h2:focus{outline:none}.mhs-result-cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;align-items:stretch}.mhs-result-card{min-width:0;display:flex;flex-direction:column;border:1px solid var(--mhs-line);border-radius:4px;background:#fff;overflow:hidden}.mhs-card-head{background:#f2f6fa;padding:21px 22px 19px;border-top:3px solid var(--mhs-blue)}.mhs-card-head h3{font-size:21px}.mhs-card-head p{font-size:11px;color:var(--mhs-muted);margin-top:8px;line-height:1.6;min-height:35px}.mhs-card-body{padding:20px 22px;flex:1}.mhs-amount-block+.mhs-amount-block{border-top:1px solid var(--mhs-line);margin-top:17px;padding-top:16px}.mhs-amount-label{font-size:11px;color:var(--mhs-muted);display:block}.mhs-amount{font-size:clamp(23px,2.2vw,31px);font-weight:650;line-height:1.3;letter-spacing:-.04em;color:var(--mhs-blue);display:block;margin:5px 0}.mhs-card-ratio{display:block;font-size:11px;color:var(--mhs-muted)}.mhs-card-foot{font-size:11px;color:var(--mhs-muted);border-top:1px solid var(--mhs-line);padding:15px 22px;background:#fbfcfe;line-height:1.65}.mhs-card-foot strong{color:var(--mhs-blue);font-weight:600}.mhs-partial{display:inline-block;background:#fff1df;color:#774e13;font-size:10px;font-weight:650;letter-spacing:.01em;border-radius:3px;padding:3px 7px;margin-bottom:9px}.mhs-result-note{padding:18px 20px;background:#f2f6fa;border-left:3px solid var(--mhs-blue);margin-top:20px;font-size:12px;line-height:1.8;color:var(--mhs-muted)}.mhs-result-note strong{color:var(--mhs-blue)}.mhs-warnings:empty{display:none}.mhs-warnings{margin-top:16px;padding:16px 20px;background:#fff9ef;border:1px solid #ecdcbf;border-radius:3px;font-size:12px;color:#745826}.mhs-warnings p+p{margin-top:9px}.mhs-breakdown{border-top:1px solid var(--mhs-line);border-bottom:1px solid var(--mhs-line);margin-top:26px}.mhs-breakdown-group{padding:5px 0 23px}.mhs-breakdown-group+.mhs-breakdown-group{border-top:1px solid var(--mhs-line);padding-top:25px}.mhs-breakdown h3{font-size:19px;margin:0 0 15px}.mhs .mhs-detail-table{display:table;width:100%;min-width:0;table-layout:fixed;border-collapse:collapse;overflow:visible;font-size:12px;line-height:1.5}.mhs .mhs-detail-table td,.mhs .mhs-detail-table th{padding:11px 14px;border:0;border-bottom:1px solid #e2e8ee;text-align:left;vertical-align:top;overflow-wrap:anywhere}.mhs .mhs-detail-table thead th{background:#f2f6fa;color:var(--mhs-blue);font-size:11px;font-weight:650}.mhs .mhs-detail-table th:first-child{width:48%}.mhs .mhs-detail-table td:not(:first-child),.mhs .mhs-detail-table th:not(:first-child){text-align:right;font-variant-numeric:tabular-nums}.mhs .mhs-detail-table tbody th{font-weight:400;color:#3d5466}.mhs .mhs-detail-table .mhs-total-row th,.mhs .mhs-detail-table .mhs-total-row td{font-weight:700;color:var(--mhs-blue);background:#f8fafc}.mhs .mhs-detail-table .mhs-credit-row th,.mhs .mhs-detail-table .mhs-credit-row td{color:#4e677a}.mhs-breakdown-note{font-size:11px;color:var(--mhs-muted);padding-top:12px}.mhs-method{margin-top:42px}.mhs-method>h2{font-size:25px;margin-bottom:24px}.mhs-method-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:27px 36px}.mhs-method h3{font-size:17px;margin:0 0 10px}.mhs-method-grid p{font-size:12px;color:var(--mhs-muted);line-height:1.8}.mhs .mhs-sources{font-size:11px;line-height:1.8;color:var(--mhs-muted);border-top:1px solid var(--mhs-line);padding-top:20px;margin-top:26px}.mhs-sources a{color:var(--mhs-blue);text-decoration:underline}.mhs-contact{display:flex;align-items:center;justify-content:space-between;gap:35px;background:var(--mhs-deep);border-radius:4px;padding:31px 34px;margin-top:32px;color:#fff}.mhs-contact .mhs-kicker{color:#c7d5e5}.mhs-contact h2{color:#fff;font-size:27px}.mhs-contact p{color:#d5e0ec;font-size:13px;max-width:650px;margin-top:12px;line-height:1.8}.mhs .mhs-contact-button{display:inline-flex;flex-shrink:0;align-items:center;justify-content:center;gap:25px;background:var(--mhs-red);border-radius:3px;text-decoration:none;color:#fff;font-size:13px;font-weight:650;padding:16px 23px}.mhs-contact-button:hover{background:#c92424}.mhs-contact-button span{font-size:19px}.mhs-sr{position:absolute!important;width:1px!important;height:1px!important;overflow:hidden!important;clip:rect(0,0,0,0)!important;white-space:nowrap!important}.mhs-results[data-stale=true] .mhs-result-cards{opacity:.55}.mhs .mhs-stale{color:#8a5520;font-weight:650}
@media(max-width:1050px){.mhs-form{padding:25px}.mhs-form-top{grid-template-columns:minmax(0,1fr) 250px;gap:25px}.mhs-field-grid{gap:21px 17px}.mhs-card-head,.mhs-card-body{padding:19px 17px}.mhs-card-foot{padding:14px 17px}.mhs-card-head h3{font-size:19px}.mhs-card-head p{min-height:51px}.mhs-result-cards{gap:13px}.mhs-settings-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:800px){.mhs-intro{grid-template-columns:1fr;gap:23px}.mhs-period{grid-template-columns:auto auto;gap:4px 18px;align-items:center}.mhs-period span:last-child{grid-column:1/-1}.mhs-form-top{grid-template-columns:1fr}.mhs-rate-panel{display:grid;grid-template-columns:1fr 1fr;gap:0 30px}.mhs-rate-panel .mhs-kicker,.mhs-rate-panel .mhs-rate-equation{grid-column:1}.mhs-rate-panel>p:not(.mhs-rate-equation){grid-column:1}.mhs-transition-rate{grid-column:2;grid-row:1/3;margin:0;padding:0;border:0;align-content:start}.mhs-rate-panel>small{grid-column:2;grid-row:3/4;margin:0}.mhs-result-cards{grid-template-columns:1fr}.mhs-result-card{display:grid;grid-template-columns:1fr 1.2fr}.mhs-card-head{border-top:0;border-left:3px solid var(--mhs-blue)}.mhs-card-head p{min-height:0}.mhs-card-foot{grid-column:1/-1}.mhs-amount{font-size:28px}.mhs-results-heading{align-items:start;flex-direction:column;gap:12px}.mhs-results-heading p{text-align:left;max-width:none}.mhs-contact{align-items:start;flex-direction:column;gap:22px}.mhs-contact-button{align-self:start}}
@media(max-width:540px){.mhs{font-size:14px}.mhs h2{font-size:25px}.mhs-intro{padding-top:3px}.mhs-intro p{font-size:13px}.mhs-form{padding:21px 17px}.mhs-primary legend{font-size:17px}.mhs-field-grid,.mhs-settings-grid{grid-template-columns:1fr}.mhs-settings-grid .mhs-wide{grid-column:auto}.mhs-field label{font-size:12px}.mhs-field select{height:auto;min-height:49px;font-size:12px}.mhs-rate-panel{display:block;padding:20px}.mhs-transition-rate{border-top:1px solid #d7e1ea;margin-top:16px;padding-top:15px}.mhs-rate-panel>small{margin-top:15px}.mhs-submit-row{align-items:stretch;flex-direction:column;gap:14px}.mhs-submit-row p{text-align:center}.mhs-submit{width:100%;font-size:13px}.mhs-result-card{grid-template-columns:1fr}.mhs-card-head{border-left:0;border-top:3px solid var(--mhs-blue);padding-bottom:15px}.mhs-card-head p{margin-top:5px}.mhs-card-head h3{font-size:20px}.mhs-card-body{padding:18px}.mhs-card-foot{padding:14px 18px}.mhs-method-grid{grid-template-columns:1fr;gap:22px}.mhs .mhs-detail-table{font-size:12px}.mhs .mhs-detail-table td,.mhs .mhs-detail-table th{padding:10px 7px}.mhs .mhs-detail-table thead th{font-size:11px}.mhs .mhs-detail-table th:first-child{width:44%}.mhs-contact{padding:26px 22px}.mhs-contact h2{font-size:24px}.mhs-result-note{padding:16px;font-size:11px}.mhs-period{grid-template-columns:1fr;gap:3px}}
@media print{.mhs-form,.mhs-intro,.mhs-contact,.mhs-method,.mhs-submit-row{display:none}.mhs-results{padding-top:0}.mhs-result-cards{grid-template-columns:repeat(3,minmax(0,1fr))}.mhs-result-card{display:flex;break-inside:avoid}.mhs-amount{font-size:19px}.mhs-card-head h3{font-size:15px}.mhs-breakdown{display:block}.mhs-results[data-stale=true] .mhs-result-cards{opacity:1}}