Accessibility Statement

Variable Income, a website operated by Codebead LLC, is committed to making this Site usable by as many people as possible, including people who use assistive technology such as screen readers, screen magnification, voice control, or keyboard-only navigation.

1. Standard we aim for

We aim to meet the Web Content Accessibility Guidelines (WCAG) 2.1, Level AA, published by the World Wide Web Consortium (W3C). This statement describes our current conformance status, not a certification — we treat accessibility as an ongoing practice rather than a one-time checklist.

2. What's implemented today

Measures already built into every page on this Site include:

• A "Skip to main content" link at the top of every page for keyboard users, so navigation can be bypassed without tabbing through the full header;
• Semantic HTML5 structure — proper heading hierarchy, landmark regions, and list/table markup rather than purely visual formatting;
• Visible keyboard-focus indicators on every interactive element (links, buttons, form fields);
• Sufficient color contrast between text and background across the site's design system;
• Descriptive link text and aria-label attributes on icon-only buttons (like the mobile menu toggle);
• Form labels, error messages with role="alert", and 16px-minimum input font sizes on every calculator;
• Respect for your operating system's "reduce motion" preference — animations and transitions are disabled automatically if you've turned that setting on;
• Responsive, mobile-first layouts that reflow rather than requiring horizontal scrolling at standard zoom levels;
• Screen-reader-only text (sr-only) for context that's visually implied but not otherwise written out, such as table captions.

3. Known limitations

We're not aware of any current barriers that would prevent core tasks — reading a guide, using a calculator, or reaching a legal page — from being completed with a keyboard or screen reader. That said, this Site has not been audited by a third-party accessibility testing service, and some third-party embedded content (such as Google-served advertisements, once live) is outside our direct control and may not meet the same standard. If you encounter a specific barrier, please tell us — see Section 5 below.

4. Technical approach

This Site is built as static HTML with Tailwind CSS, without a JavaScript framework controlling page rendering — content is present in the page's HTML from the start rather than requiring scripts to load before it appears, which generally benefits assistive technology and slower connections alike. The interactive calculators use plain JavaScript with accessible form patterns, and none of them require a mouse or touchscreen to operate.

5. Reporting an accessibility issue

If you experience any difficulty accessing content or using a tool on this Site, please let us know via our Contact page or by emailing [email protected]. Please include the page URL and a description of the issue, including the browser, device, and any assistive technology you were using — this helps us reproduce and fix the problem faster. We aim to respond to accessibility reports within a reasonable timeframe.

6. Changes to this statement

We may update this statement as the Site's accessibility features change, by posting a revised version with an updated "Last updated" date.