*,*::before,*::after{box-sizing:border-box}
:root{
  --bg:#f5f7fb;--card:#ffffff;--ink:#0b1324;--muted:#566176;--line:#e3e7ef;--soft:#f0f3f8;
  --radius:20px;--shadow:0 1px 2px rgba(11,19,36,.05),0 12px 32px -12px rgba(11,19,36,.12);
  --font:ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  --mono:ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;
}
@media (prefers-color-scheme:dark){
  :root{--bg:#0a0f1c;--card:#111a2c;--ink:#eef2fa;--muted:#9aa6bd;--line:#22304a;--soft:#17223a;
    --shadow:0 1px 2px rgba(0,0,0,.4),0 12px 32px -12px rgba(0,0,0,.6)}
}
html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--font);background:var(--bg);color:var(--ink);line-height:1.55;font-size:16px}
a{color:var(--accent)}
a:hover{text-decoration-thickness:2px}
:focus-visible{outline:3px solid var(--accent-2);outline-offset:2px;border-radius:8px}
.skip{position:absolute;left:-999px;top:8px;background:var(--card);padding:8px 14px;border-radius:10px;z-index:10}
.skip:focus{left:8px}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}

/* hero */
.hero{position:relative;overflow:hidden;color:#fff;background:var(--hero);padding:34px 0 96px}
.hero::after{content:"";position:absolute;inset:auto -10% -60% -10%;height:120%;background:radial-gradient(closest-side,rgba(255,255,255,.18),transparent);pointer-events:none}
.topbar{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-bottom:34px}
.brand{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-weight:700;letter-spacing:-.01em}
.brand .logo{width:34px;height:34px;border-radius:10px;background:rgba(255,255,255,.16);display:grid;place-items:center;font-size:18px;backdrop-filter:blur(6px)}
.toplinks{display:flex;gap:6px;flex-wrap:wrap}
.toplinks a{color:#fff;opacity:.9;text-decoration:none;font-size:14px;padding:6px 12px;border-radius:999px;background:rgba(255,255,255,.1)}
.toplinks a:hover{opacity:1;background:rgba(255,255,255,.2)}
.hero h1{font-size:clamp(30px,5vw,50px);line-height:1.08;letter-spacing:-.025em;margin:0 0 12px;max-width:820px}
.hero p.lede{font-size:clamp(16px,2vw,19px);opacity:.92;max-width:680px;margin:0 0 18px}
.badges{display:flex;flex-wrap:wrap;gap:8px;list-style:none;padding:0;margin:0}
.badges li{font-size:13px;font-weight:600;padding:6px 12px;border-radius:999px;background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.22)}

/* layout */
.app{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:22px;margin-top:-64px;position:relative;z-index:2}
@media (max-width:880px){.app{grid-template-columns:1fr}}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:24px}
.card h2{font-size:19px;margin:0 0 16px;letter-spacing:-.01em}
.sticky{position:sticky;top:16px;align-self:start}
@media (max-width:880px){.sticky{position:static}}

/* form */
.field{margin-bottom:20px}
.field>label,.field legend{display:block;font-weight:650;font-size:15px;margin-bottom:8px;padding:0}
fieldset{border:0;margin:0 0 20px;padding:0;min-width:0}
.hint{font-size:13px;color:var(--muted);margin-top:6px}
.money{position:relative}
.money span.pfx{position:absolute;left:16px;top:50%;transform:translateY(-50%);font-weight:700;color:var(--muted);font-size:20px}
.money span.sfx{position:absolute;right:16px;top:50%;transform:translateY(-50%);font-weight:700;color:var(--muted);font-size:18px}
input[type=text],input[type=number],select{width:100%;font:inherit;color:var(--ink);background:var(--soft);border:1.5px solid var(--line);border-radius:14px;padding:14px 16px;font-size:18px;font-weight:650;transition:border-color .15s,background .15s}
.money input{padding-left:36px;font-size:22px}
.money.pct input{padding-left:16px;padding-right:40px}
input[type=text]:focus,input[type=number]:focus,select:focus{outline:none;border-color:var(--accent);background:var(--card)}
input[type=range]{width:100%;accent-color:var(--accent);margin:12px 0 0;height:28px}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:10px}
.chip{font:inherit;font-size:13px;font-weight:600;border:1px solid var(--line);background:var(--card);color:var(--ink);padding:6px 12px;border-radius:999px;cursor:pointer}
.chip:hover{border-color:var(--accent);color:var(--accent)}
.chip[aria-pressed=true]{background:var(--accent);border-color:var(--accent);color:#fff}
.opts{display:grid;gap:10px}
.opt{position:relative;display:flex;gap:12px;align-items:flex-start;border:1.5px solid var(--line);border-radius:14px;padding:14px;cursor:pointer;background:var(--card);transition:border-color .15s,background .15s}
.opt:hover{border-color:var(--accent-2)}
.opt input{position:absolute;opacity:0;pointer-events:none}
.opt .dot{flex:none;width:20px;height:20px;border-radius:50%;border:2px solid var(--line);margin-top:2px;display:grid;place-items:center}
.opt input:checked~.dot{border-color:var(--accent)}
.opt input:checked~.dot::after{content:"";width:10px;height:10px;border-radius:50%;background:var(--accent)}
.opt:has(input:checked){border-color:var(--accent);background:var(--accent-soft)}
.opt:has(input:focus-visible){outline:3px solid var(--accent-2);outline-offset:2px}
.opt strong{display:block;font-size:15px}
.opt small{display:block;color:var(--muted);font-size:13px;margin-top:2px}
.switch{display:flex;align-items:center;gap:12px;cursor:pointer;font-weight:600}
.switch input{width:22px;height:22px;accent-color:var(--accent)}
.seg{display:inline-flex;background:var(--soft);border:1px solid var(--line);border-radius:12px;padding:4px;gap:4px;flex-wrap:wrap}
.seg label{position:relative;cursor:pointer}
.seg input{position:absolute;opacity:0}
.seg span{display:block;padding:8px 14px;border-radius:9px;font-weight:650;font-size:14px}
.seg input:checked+span{background:var(--card);color:var(--accent);box-shadow:0 1px 3px rgba(0,0,0,.12)}
.seg input:focus-visible+span{outline:3px solid var(--accent-2)}

/* results */
.big-label{font-size:14px;font-weight:650;color:var(--muted);text-transform:uppercase;letter-spacing:.06em}
.big{font-size:clamp(40px,7vw,60px);font-weight:800;letter-spacing:-.035em;line-height:1.05;margin:6px 0 4px;color:var(--accent);font-variant-numeric:tabular-nums}
.sub{color:var(--muted);margin:0 0 16px}
.stats{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;margin:16px 0}
.stat{background:var(--soft);border-radius:14px;padding:12px 14px}
.stat b{display:block;font-size:20px;font-variant-numeric:tabular-nums;letter-spacing:-.01em}
.stat span{font-size:13px;color:var(--muted)}
.note{border-radius:14px;padding:12px 14px;font-size:14px;margin:12px 0;background:var(--accent-soft);border:1px solid color-mix(in srgb,var(--accent) 25%,transparent)}
.note.warn{background:#fff7e6;border-color:#f5c26b;color:#5c3b00}
@media (prefers-color-scheme:dark){.note.warn{background:#2b2210;border-color:#7a5a1c;color:#ffd894}}
.actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:14px}
.btn{text-decoration:none;font:inherit;font-weight:700;font-size:14px;border-radius:12px;padding:11px 16px;cursor:pointer;border:1.5px solid var(--accent);background:var(--accent);color:#fff;display:inline-flex;gap:8px;align-items:center}
.btn.ghost{background:transparent;color:var(--accent)}
.btn:hover{filter:brightness(1.07)}
table{width:100%;border-collapse:collapse;font-variant-numeric:tabular-nums;font-size:14px}
th,td{text-align:left;padding:10px 8px;border-bottom:1px solid var(--line)}
th{font-size:12px;text-transform:uppercase;letter-spacing:.05em;color:var(--muted);font-weight:700}
td.r,th.r{text-align:right}
tr.zero td{color:var(--muted);opacity:.7}
tfoot td{font-weight:800;border-bottom:0}
.table-scroll{overflow-x:auto}

/* sections */
.section{margin-top:22px}
.grid2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px}
@media (max-width:880px){.grid2{grid-template-columns:1fr}}
.chart svg{width:100%;height:auto;display:block}
.legend{display:flex;flex-wrap:wrap;gap:14px;font-size:13px;color:var(--muted);margin-top:8px}
.legend i{display:inline-block;width:12px;height:12px;border-radius:3px;margin-right:6px;vertical-align:-1px}
.bars{display:grid;gap:12px}
.barrow{display:grid;grid-template-columns:150px 1fr auto;gap:12px;align-items:center;font-size:14px}
.barrow .track{display:block;height:12px;background:var(--soft);border-radius:999px;overflow:hidden}
.barrow .fill{display:block;height:100%;border-radius:999px;background:var(--accent);transition:width .4s ease}
.barrow b{font-variant-numeric:tabular-nums}
.barrow.current .label{font-weight:800;color:var(--accent)}
@media (max-width:520px){.barrow{grid-template-columns:110px 1fr auto}.toplinks a:not(:last-child){display:none}}

/* article */
.article>*{max-width:780px}
.article h2{font-size:26px;letter-spacing:-.02em;margin:0 0 12px}
.article h3{font-size:19px;margin:26px 0 8px}
.article p,.article li{color:var(--ink)}
.article .muted{color:var(--muted)}
.faq details{border:1px solid var(--line);border-radius:14px;padding:4px 16px;margin:10px 0;background:var(--card)}
.faq summary{cursor:pointer;font-weight:700;padding:12px 0;list-style:none;display:flex;justify-content:space-between;gap:12px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:22px;line-height:1;color:var(--accent)}
.faq details[open] summary::after{content:"–"}
.faq details p{margin:0 0 14px;color:var(--muted)}
.disclaimer{font-size:14px;color:var(--muted);border-left:4px solid var(--accent-2);padding:10px 16px;background:var(--card);border-radius:0 12px 12px 0}
.more{display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:12px;padding:0;list-style:none}
.more a{display:block;text-decoration:none;color:var(--ink);background:var(--card);border:1px solid var(--line);border-radius:14px;padding:14px 16px;font-weight:650}
.more a small{display:block;color:var(--muted);font-weight:500;margin-top:2px}
.more a:hover{border-color:var(--accent)}
footer{margin-top:48px;padding:30px 0 44px;border-top:1px solid var(--line);color:var(--muted);font-size:14px}
footer .row{display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px;align-items:center}
footer a{font-weight:700}
.toast{position:fixed;left:50%;bottom:24px;transform:translateX(-50%) translateY(20px);background:var(--ink);color:var(--bg);padding:10px 16px;border-radius:12px;font-weight:650;font-size:14px;opacity:0;transition:.25s;pointer-events:none;z-index:20}
.toast.show{opacity:1;transform:translateX(-50%) translateY(0)}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
@media (prefers-reduced-motion:reduce){*{transition:none!important;animation:none!important}}
@media print{.hero{background:none;color:#000;padding:10px 0}.topbar,.actions,.chips,footer .row a,.toast{display:none}.app{margin-top:0}}