:root{--color-primary-50:#eef3ff;--color-primary-100:#dce6ff;--color-primary-500:#4267df;--color-primary-600:#3157d5;--color-primary-700:#2845ac;--color-secondary-500:#11a683;--color-secondary-600:#0b8569;--color-accent:#f4a825;--color-success:#12805c;--color-warning:#a66206;--color-danger:#c33a4a;--color-bg:#f7f9fc;--color-surface:#ffffff;--color-surface-raised:#ffffff;--color-text:#17223b;--color-text-muted:#5c6880;--color-border:#dfe5ef;--color-grid:#e9edf4;--shadow-sm:0 1px 2px rgb(26 39 69/0.06);--shadow-md:0 12px 32px rgb(26 39 69/0.1);--shadow-lg:0 24px 70px rgb(26 39 69/0.14);--radius-sm:0.5rem;--radius-md:0.875rem;--radius-lg:1.25rem;--radius-xl:1.75rem;--space-1:0.25rem;--space-2:0.5rem;--space-3:0.75rem;--space-4:1rem;--space-5:1.25rem;--space-6:1.5rem;--space-8:2rem;--space-10:2.5rem;--space-12:3rem;--space-16:4rem}:root[data-theme=dark]{--color-bg:#0d1424;--color-surface:#141e32;--color-surface-raised:#19253c;--color-text:#edf2ff;--color-text-muted:#aab6cc;--color-border:#2b3851;--color-grid:#26334a;--color-primary-50:#19284e;--color-primary-100:#22386d;--color-primary-500:#7894f2;--color-primary-600:#8ba4ff;--color-primary-700:#b8c7ff;--shadow-sm:0 1px 2px rgb(0 0 0/0.2);--shadow-md:0 12px 32px rgb(0 0 0/0.24);--shadow-lg:0 24px 70px rgb(0 0 0/0.3)}*{box-sizing:border-box}html{scroll-behavior:smooth;color-scheme:light}html[data-theme=dark]{color-scheme:dark}body{margin:0;background:var(--color-bg);color:var(--color-text);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif;line-height:1.6;-webkit-font-smoothing:antialiased}a{color:inherit;text-decoration:none}button,input,select{font:inherit}a,button{-webkit-tap-highlight-color:transparent}svg{display:block}:focus-visible{outline:3px solid var(--color-accent);outline-offset:3px}.skip-link{position:fixed;top:-5rem;left:1rem;z-index:100;padding:.75rem 1rem;background:var(--color-text);color:var(--color-surface);border-radius:var(--radius-sm)}.skip-link:focus{top:1rem}.container{width:min(1180px,calc(100% - 2rem));margin-inline:auto}.narrow{width:min(780px,calc(100% - 2rem));margin-inline:auto}.section{padding-block:clamp(3.5rem,7vw,6.5rem)}.section-compact{padding-block:2.5rem}.muted{color:var(--color-text-muted)}.eyebrow{margin:0 0 .75rem;color:var(--color-primary-600);font-size:.78rem;font-weight:800;letter-spacing:.13em;text-transform:uppercase}.section-title{margin:0;font-size:clamp(1.8rem,3vw,2.6rem);line-height:1.15;letter-spacing:-.03em}.section-lead{max-width:690px;margin:1rem 0 0;color:var(--color-text-muted);font-size:1.08rem}.site-header{position:sticky;top:0;z-index:50;border-bottom:1px solid color-mix(in srgb,var(--color-border) 75%,transparent);background:color-mix(in srgb,var(--color-bg) 88%,transparent);-webkit-backdrop-filter:blur(18px);backdrop-filter:blur(18px)}.header-inner{display:flex;min-height:4.5rem;align-items:center;justify-content:space-between;gap:1.25rem}.brand{display:inline-flex;align-items:center;gap:.65rem;font-size:1.15rem;font-weight:850;letter-spacing:-.02em}.brand-mark{display:grid;width:2.25rem;height:2.25rem;place-items:center;border-radius:.7rem;background:var(--color-primary-600);color:white;box-shadow:0 8px 18px rgb(49 87 213/.25)}.brand-mark svg{width:1.25rem}.desktop-nav{display:flex;align-items:center;gap:1.6rem;color:var(--color-text-muted);font-size:.95rem;font-weight:650}.desktop-nav a:hover{color:var(--color-primary-600)}.header-actions{display:flex;gap:.5rem}.icon-button{display:grid;width:2.55rem;height:2.55rem;place-items:center;border:1px solid var(--color-border);border-radius:.75rem;background:var(--color-surface);color:var(--color-text);cursor:pointer;box-shadow:var(--shadow-sm)}.icon-button:hover{border-color:var(--color-primary-500);color:var(--color-primary-600);transform:translateY(-1px)}.icon-button svg{width:1.1rem}.hero{position:relative;overflow:hidden;padding-block:clamp(4rem,9vw,8rem)}.hero:before{content:"";position:absolute;inset:0;pointer-events:none;background:radial-gradient(circle at 80% 25%,rgb(49 87 213/.14),transparent 28%),radial-gradient(circle at 15% 85%,rgb(17 166 131/.11),transparent 28%)}.hero-grid{position:relative;display:grid;grid-template-columns:1.15fr .85fr;align-items:center;gap:clamp(2rem,7vw,6rem)}.hero h1{max-width:780px;margin:0;font-size:clamp(2.75rem,6.5vw,5.6rem);line-height:.98;letter-spacing:-.065em}.hero h1 span{color:var(--color-primary-600)}.hero-copy{max-width:650px;margin:1.5rem 0 0;color:var(--color-text-muted);font-size:clamp(1.08rem,2vw,1.25rem)}.hero-actions{display:flex;flex-wrap:wrap;gap:.8rem;margin-top:2rem}.button{display:inline-flex;min-height:3rem;align-items:center;justify-content:center;gap:.55rem;padding:.72rem 1.1rem;border:1px solid transparent;border-radius:.8rem;font-weight:750;cursor:pointer;transition:.18s ease}.button-primary{background:var(--color-primary-600);color:white;box-shadow:0 12px 28px rgb(49 87 213/.24)}.button-primary:hover{background:var(--color-primary-700);transform:translateY(-2px)}.button-secondary{border-color:var(--color-border);background:var(--color-surface)}.button-secondary:hover{border-color:var(--color-primary-500);color:var(--color-primary-600)}.trust-row{display:flex;flex-wrap:wrap;gap:1rem 1.6rem;margin-top:2.1rem;color:var(--color-text-muted);font-size:.9rem}.trust-row span{display:inline-flex;align-items:center;gap:.4rem}.trust-row svg{width:1rem;color:var(--color-secondary-500)}.hero-visual{position:relative;min-height:420px}.visual-card{position:absolute;border:1px solid var(--color-border);border-radius:var(--radius-xl);background:color-mix(in srgb,var(--color-surface) 92%,transparent);box-shadow:var(--shadow-lg);-webkit-backdrop-filter:blur(18px);backdrop-filter:blur(18px)}.visual-main{inset:1rem 0 1rem 2rem;padding:1.6rem;transform:rotate(2deg)}.visual-label{margin:0;color:var(--color-text-muted);font-size:.82rem;font-weight:700}.visual-value{margin:.35rem 0 1.5rem;font-size:2.35rem;font-weight:850;letter-spacing:-.04em}.visual-chart{display:flex;height:190px;align-items:end;gap:.65rem;padding-top:1rem;border-bottom:1px solid var(--color-border)}.visual-chart span{flex:1 1;min-height:12%;border-radius:.5rem .5rem 0 0;background:linear-gradient(180deg,var(--color-primary-500),var(--color-secondary-500));opacity:.92}.visual-float{right:-1rem;bottom:0;width:190px;padding:1rem;transform:rotate(-4deg)}.visual-float strong{display:block;margin-top:.2rem;color:var(--color-success);font-size:1.25rem}.stat-strip{position:relative;z-index:2;margin-top:-2rem}.stat-grid{display:grid;grid-template-columns:repeat(3,1fr);border:1px solid var(--color-border);border-radius:var(--radius-lg);background:var(--color-surface);box-shadow:var(--shadow-md)}.stat{padding:1.35rem 1.5rem;text-align:center}.stat+.stat{border-left:1px solid var(--color-border)}.stat strong{display:block;font-size:1.35rem}.stat span{color:var(--color-text-muted);font-size:.88rem}.search-panel{display:flex;align-items:center;gap:.75rem;margin-top:1.75rem;padding:.55rem .75rem;border:1px solid var(--color-border);border-radius:.9rem;background:var(--color-surface);box-shadow:var(--shadow-sm)}.search-panel:focus-within{border-color:var(--color-primary-500);box-shadow:0 0 0 4px rgb(49 87 213/.1)}.search-panel svg{width:1.2rem;color:var(--color-text-muted)}.search-panel input{width:100%;padding:.5rem 0;border:0;outline:0;background:transparent;color:var(--color-text)}.calculator-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem;margin-top:2rem}.calculator-card{display:flex;min-height:210px;flex-direction:column;padding:1.35rem;border:1px solid var(--color-border);border-radius:var(--radius-lg);background:var(--color-surface);box-shadow:var(--shadow-sm);transition:.18s ease}.calculator-card:hover{border-color:color-mix(in srgb,var(--color-primary-500) 65%,var(--color-border));box-shadow:var(--shadow-md);transform:translateY(-4px)}.card-icon{display:grid;width:2.7rem;height:2.7rem;place-items:center;border-radius:.8rem;background:var(--color-primary-50);color:var(--color-primary-600)}.card-icon svg{width:1.25rem}.calculator-card h3{margin:1rem 0 .35rem;font-size:1.08rem}.calculator-card p{margin:0;color:var(--color-text-muted);font-size:.9rem}.card-link{display:inline-flex;align-items:center;gap:.35rem;margin-top:auto;padding-top:1.25rem;color:var(--color-primary-600);font-size:.9rem;font-weight:750}.empty-search{grid-column:1/-1;padding:2rem;border:1px dashed var(--color-border);border-radius:var(--radius-lg);text-align:center;color:var(--color-text-muted)}.category-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem;margin-top:2rem}.category-card{padding:1.5rem;border:1px solid var(--color-border);border-radius:var(--radius-lg);background:linear-gradient(145deg,var(--color-surface),color-mix(in srgb,var(--color-primary-50) 60%,var(--color-surface)))}.category-card h3{margin:1rem 0 .45rem}.category-card p{margin:0 0 1rem;color:var(--color-text-muted)}.category-card a{color:var(--color-primary-600);font-weight:750}.page-hero{padding-block:4rem 2.2rem}.breadcrumbs{display:flex;flex-wrap:wrap;gap:.45rem;margin-bottom:1rem;color:var(--color-text-muted);font-size:.88rem}.breadcrumbs a:hover{color:var(--color-primary-600)}.page-hero h1{max-width:800px;margin:0;font-size:clamp(2.3rem,5vw,4.2rem);line-height:1.05;letter-spacing:-.05em}.page-hero .lead{max-width:760px;margin:1rem 0 0;color:var(--color-text-muted);font-size:1.1rem}.calculator-layout{display:grid;grid-template-columns:minmax(300px,.78fr) minmax(0,1.22fr);align-items:start;gap:1.25rem;padding-bottom:3rem}.panel{border:1px solid var(--color-border);border-radius:var(--radius-lg);background:var(--color-surface);box-shadow:var(--shadow-sm)}.input-panel{position:sticky;top:5.5rem;padding:1.35rem}.panel-heading{margin:0 0 .25rem;font-size:1.15rem}.panel-description{margin:0 0 1.3rem;color:var(--color-text-muted);font-size:.9rem}.field{margin-top:1.2rem}.field:first-of-type{margin-top:0}.field-label-row{display:flex;justify-content:space-between;gap:1rem;margin-bottom:.45rem}.field label{font-size:.9rem;font-weight:720}.field-help{color:var(--color-text-muted);font-size:.78rem}.input-wrap{display:flex;align-items:center;overflow:hidden;border:1px solid var(--color-border);border-radius:.75rem;background:var(--color-bg)}.input-wrap:focus-within{border-color:var(--color-primary-500);box-shadow:0 0 0 3px rgb(49 87 213/.1)}.input-affix{padding-inline:.8rem;color:var(--color-text-muted);font-weight:700}.input-wrap input,.input-wrap select{width:100%;min-height:2.8rem;border:0;outline:0;background:transparent;color:var(--color-text)}.input-wrap input,.input-wrap select{padding:.55rem .75rem}.input-wrap select{cursor:pointer}.range{width:100%;margin-top:.65rem;accent-color:var(--color-primary-600)}.field-error{margin:.35rem 0 0;color:var(--color-danger);font-size:.78rem}.results-stack{display:grid;gap:1rem}.results-panel{padding:1.35rem}.result-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:.7rem;margin-top:1rem}.result-card{min-width:0;padding:1rem;border:1px solid var(--color-border);border-radius:.9rem;background:var(--color-bg)}.result-card.emphasis{border-color:color-mix(in srgb,var(--color-primary-500) 45%,var(--color-border));background:var(--color-primary-50)}.result-label{margin:0;color:var(--color-text-muted);font-size:.78rem;font-weight:700}.result-value{margin:.3rem 0 0;overflow-wrap:anywhere;font-size:clamp(1.1rem,2vw,1.45rem);font-weight:850;letter-spacing:-.025em}.privacy-note{display:flex;align-items:center;gap:.4rem;margin:1rem 0 0;color:var(--color-text-muted);font-size:.78rem}.privacy-note svg{width:.95rem;color:var(--color-secondary-500)}.chart-panel{padding:1.35rem}.chart-wrap{width:100%;height:310px;margin-top:1rem}.chart-grid{display:grid;grid-template-columns:minmax(0,1fr) 220px;align-items:center;gap:1rem}.chart-fallback{display:grid;height:310px;place-items:center;color:var(--color-text-muted)}.sr-chart-summary{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}.table-panel{overflow:hidden}.table-heading{padding:1.25rem 1.35rem .75rem}.table-scroll{max-height:540px;overflow:auto;border-top:1px solid var(--color-border)}.data-table{width:100%;border-collapse:collapse;font-size:.84rem;font-feature-settings:"tnum";font-variant-numeric:tabular-nums}.data-table th{position:sticky;top:0;z-index:1;padding:.72rem .8rem;background:var(--color-bg);color:var(--color-text-muted);text-align:right;white-space:nowrap}.data-table td:first-child,.data-table th:first-child{text-align:left}.data-table td{padding:.72rem .8rem;border-top:1px solid var(--color-border);text-align:right;white-space:nowrap}.data-table tbody tr:hover{background:color-mix(in srgb,var(--color-primary-50) 45%,transparent)}.content-grid{display:grid;grid-template-columns:minmax(0,1fr) 310px;align-items:start;gap:2rem}.prose-card{padding:clamp(1.3rem,4vw,2.2rem);border:1px solid var(--color-border);border-radius:var(--radius-lg);background:var(--color-surface)}.prose-card h2{margin:0 0 1rem;font-size:1.65rem;letter-spacing:-.025em}.prose-card h3{margin:2rem 0 .6rem}.formula-box{margin-block:1.25rem;padding:1rem 1.1rem;border-left:4px solid var(--color-primary-600);border-radius:0 .8rem .8rem 0;background:var(--color-primary-50);font-family:ui-monospace,SFMono-Regular,Menlo,monospace;font-weight:700;overflow-wrap:anywhere}.assumption-list{padding-left:1.2rem;color:var(--color-text-muted)}.disclaimer-card{position:sticky;top:5.5rem;padding:1.25rem;border:1px solid color-mix(in srgb,var(--color-warning) 25%,var(--color-border));border-radius:var(--radius-lg);background:color-mix(in srgb,#fff7e6 72%,var(--color-surface))}:root[data-theme=dark] .disclaimer-card{background:color-mix(in srgb,#60400a 25%,var(--color-surface))}.disclaimer-card h2{margin:0 0 .5rem;font-size:1rem}.disclaimer-card p{margin:0;color:var(--color-text-muted);font-size:.85rem}.faq-list{display:grid;gap:.7rem;margin-top:1.5rem}.faq-item{border:1px solid var(--color-border);border-radius:.9rem;background:var(--color-surface)}.faq-item summary{display:flex;min-height:3.5rem;align-items:center;justify-content:space-between;gap:1rem;padding:.9rem 1.1rem;font-weight:720;cursor:pointer;list-style:none}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary:after{content:"+";color:var(--color-primary-600);font-size:1.35rem}.faq-item[open] summary:after{content:"−"}.faq-item p{margin:0;padding:0 1.1rem 1.1rem;color:var(--color-text-muted)}.legal-page{padding-block:4rem 6rem}.legal-page h1{margin:0 0 1.5rem;font-size:clamp(2.2rem,5vw,3.7rem);letter-spacing:-.05em}.legal-page h2{margin-top:2.2rem}.legal-page li,.legal-page p{color:var(--color-text-muted)}.not-found{display:grid;min-height:60vh;place-items:center;padding:2rem;text-align:center}.not-found strong{color:var(--color-primary-600);font-size:5rem;line-height:1}.site-footer{border-top:1px solid var(--color-border);background:var(--color-surface)}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:2rem;padding-block:3.5rem 2rem}.footer-brand{margin:0 0 .5rem;font-size:1.25rem;font-weight:850}.footer-heading{margin:0 0 .7rem;font-weight:780}.footer-grid a{display:block;width:fit-content;margin-top:.45rem;color:var(--color-text-muted);font-size:.9rem}.footer-grid a:hover{color:var(--color-primary-600)}.footer-bottom{padding-block:1.2rem;border-top:1px solid var(--color-border);color:var(--color-text-muted);font-size:.8rem}.footer-bottom p{margin:0}@media (max-width:900px){.desktop-nav{display:none}.calculator-layout,.content-grid,.hero-grid{grid-template-columns:1fr}.hero-visual{min-height:330px}.visual-main{inset:0 1rem 1rem}.calculator-grid,.category-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.disclaimer-card,.input-panel{position:static}.chart-grid{grid-template-columns:1fr}.result-grid{grid-template-columns:repeat(2,1fr)}}@media (max-width:620px){.container,.narrow{width:min(100% - 1.25rem,1180px)}.hero{padding-top:3.25rem}.hero h1{font-size:clamp(2.55rem,15vw,4.1rem)}.hero-visual{min-height:290px}.visual-main{padding:1.15rem}.visual-float{right:0}.stat-grid{grid-template-columns:1fr}.stat+.stat{border-top:1px solid var(--color-border);border-left:0}.calculator-grid,.category-grid,.footer-grid,.result-grid{grid-template-columns:1fr}.calculator-card{min-height:190px}.page-hero{padding-top:2.7rem}.calculator-layout{gap:.8rem}.chart-panel,.input-panel,.results-panel{padding:1rem}.chart-wrap{height:270px}}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,:after,:before{scroll-behavior:auto!important;transition-duration:.01ms!important;animation-duration:.01ms!important;animation-iteration-count:1!important}}