:root{color-scheme:light;--bg:#f7f9fa;--panel:#fff;--ink:#142f39;--muted:#546873;--line:#dbe4e8;--brand:#086c69;--soft:#e6f3ef;--accent:#125fba;--shadow:0 12px 35px #143c4610;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif}
:root[data-theme=dark]{color-scheme:dark;--bg:#101e24;--panel:#172b34;--ink:#e7f3f5;--muted:#b2c8d0;--line:#35505b;--brand:#7ad7be;--soft:#213e41;--accent:#8cbcff;--shadow:none}
*{box-sizing:border-box}body{margin:0;background:var(--bg);color:var(--ink);line-height:1.65}a{color:var(--accent);text-underline-offset:3px}button,input,select,textarea{font:inherit}button,a,input,select{touch-action:manipulation}button{cursor:pointer}button:disabled{cursor:wait}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,[tabindex]:focus-visible{outline:3px solid var(--accent);outline-offset:3px}header{background:var(--panel);border-bottom:1px solid var(--line)}.nav{max-width:1200px;margin:auto;padding:18px 24px;display:flex;align-items:center;gap:22px;flex-wrap:wrap}.logo{font-size:25px;letter-spacing:-1px;color:var(--ink);text-decoration:none;font-weight:800}.logo span{color:var(--brand)}.nav nav{display:flex;align-items:center;gap:20px;flex-wrap:wrap;margin-left:auto}.nav nav a{text-decoration:none;color:var(--ink);font-size:14px}.nav nav a:hover{text-decoration:underline}.pill{border:1px solid var(--line);padding:8px 14px;border-radius:100px;background:var(--panel);color:var(--ink);min-height:44px}.support{border-color:var(--brand)!important;color:var(--brand)!important}.skip{position:absolute;top:-100px;left:16px}.skip:focus{top:8px;background:var(--panel);padding:12px;z-index:20}.container{max-width:1160px;padding:0 24px;margin:auto}.ad-slot{display:flex;justify-content:center;align-items:center;min-height:90px;border:1px dashed var(--line);border-radius:8px;margin:22px auto;color:var(--muted);font-size:11px;letter-spacing:1px;text-transform:uppercase;overflow:hidden}.hero{padding:42px 0 48px;display:grid;grid-template-columns:1.35fr 1fr;gap:64px;align-items:center}.eyebrow{font-size:12px;letter-spacing:2px;font-weight:750;text-transform:uppercase;color:var(--brand)}h1{font-size:clamp(32px,4.2vw,52px);line-height:1.15;letter-spacing:-1.5px;margin:16px 0 22px;max-width:850px}h2{font-size:26px;letter-spacing:-.6px;line-height:1.3;margin:38px 0 18px}h3{line-height:1.35;font-size:19px}.hero p{font-size:18px;color:var(--muted);max-width:650px}.hero-panel{border:1px solid var(--line);border-radius:20px;padding:30px;background:var(--panel);box-shadow:var(--shadow)}.hero-panel h2{margin-top:0}.hero-panel a{display:flex;justify-content:space-between;padding:14px 0;border-bottom:1px solid var(--line);text-decoration:none;font-weight:600}.hero-panel a:last-child{border:0}.search-label{font-weight:650;display:block;margin-bottom:8px}.search{width:100%;max-width:690px;background:var(--panel);border:1px solid var(--line);border-radius:12px;padding:17px 20px;color:var(--ink);box-shadow:var(--shadow)}.muted{color:var(--muted);font-size:14px}.section-heading{display:flex;gap:12px;align-items:baseline;justify-content:space-between;flex-wrap:wrap}.categories{display:flex;gap:10px;flex-wrap:wrap;margin:24px 0}.categories a{background:var(--panel);border:1px solid var(--line);border-radius:100px;padding:10px 17px;text-decoration:none;font-size:14px;color:var(--ink)}.cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}.card{display:flex;flex-direction:column;background:var(--panel);border:1px solid var(--line);border-radius:14px;padding:25px;color:var(--ink);text-decoration:none;box-shadow:0 2px 10px #143c4604}.card:hover{border-color:var(--brand);box-shadow:var(--shadow)}.card .category{font-size:11px;color:var(--brand);text-transform:uppercase;letter-spacing:1.3px}.card h3{margin:10px 0}.card p{font-size:14px;color:var(--muted);margin:0 0 16px}.card .arrow{margin-top:auto;color:var(--brand);font-size:14px;font-weight:650}[hidden]{display:none!important}.trust-strip{margin:45px 0;padding:24px;border:1px solid var(--line);border-radius:14px;display:flex;gap:35px;background:var(--soft);flex-wrap:wrap}.trust-strip p{margin:4px 0}.breadcrumbs{font-size:13px;color:var(--muted);margin:24px 0}.breadcrumbs ol{padding:0;list-style:none;display:flex;gap:9px;flex-wrap:wrap}.breadcrumbs li+li:before{content:'/';padding-right:9px;color:var(--muted)}.tool-intro{max-width:850px;margin-bottom:25px}.tool-intro h1{font-size:clamp(30px,4vw,44px);margin-bottom:12px}.tool-intro p{color:var(--muted);font-size:17px}.calculator{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:22px;align-items:start}.form-panel,.result-panel{border:1px solid var(--line);border-radius:18px;background:var(--panel);padding:28px;min-width:0}.form-panel h2,.result-panel h2{margin-top:0;font-size:21px}.fields{display:grid;grid-template-columns:1fr 1fr;gap:18px}label{display:flex;flex-direction:column;font-size:14px;font-weight:600;gap:7px;min-width:0}label input,label select,.currency-select{width:100%;min-width:0;padding:12px;border:1px solid var(--line);border-radius:8px;background:var(--bg);color:var(--ink);min-height:48px}label.wide{grid-column:1/-1}.controls{display:flex;gap:10px;flex-wrap:wrap;margin-top:24px}button.primary-button{background:var(--brand);color:var(--panel);border:0;font-weight:700;padding:12px 24px;border-radius:9px;min-height:48px}button.secondary{border:1px solid var(--line);background:var(--panel);color:var(--ink);padding:10px 15px;border-radius:9px;min-height:44px}.error{color:#b71c35;font-size:14px;font-weight:600}:root[data-theme=dark] .error{color:#ffb2bc}.metric-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}.metric{background:var(--bg);border-radius:10px;padding:17px;min-width:0}.metric.primary{grid-column:1/-1;background:var(--soft);border-left:3px solid var(--brand)}.metric span{display:block;color:var(--muted);font-size:13px}.metric strong{display:block;font-size:clamp(18px,2.1vw,27px);letter-spacing:-.4px;overflow-wrap:anywhere}.metric.primary strong{font-size:clamp(25px,3vw,35px)}.table-scroll{max-height:430px;overflow:auto;border:1px solid var(--line);border-radius:9px;margin:20px 0}table{border-collapse:collapse;width:100%;font-variant-numeric:tabular-nums;font-size:13px}caption{text-align:left;padding:14px;font-weight:600;background:var(--bg)}th,td{text-align:right;padding:11px 14px;white-space:nowrap;border-bottom:1px solid var(--line)}th:first-child,td:first-child{text-align:left}thead{background:var(--soft)}svg{display:block;width:100%;height:auto;background:var(--bg);border-radius:10px}svg text{fill:var(--muted);font-size:11px}.chart-line{fill:none;stroke:var(--brand);stroke-width:3;stroke-linejoin:round;stroke-linecap:round}.guide{max-width:820px;margin:45px auto}.guide p,.guide li{font-size:16px}.formula{padding:20px;border:1px solid var(--line);background:var(--panel);border-radius:12px;overflow-wrap:anywhere;font-family:ui-monospace,monospace;font-size:14px}.note{border-left:3px solid var(--brand);background:var(--soft);padding:16px 20px;border-radius:0 9px 9px 0}.faq{border-bottom:1px solid var(--line);padding:18px 0}.faq h3{margin:0 0 7px}.faq p{margin:0}footer{border-top:1px solid var(--line);background:var(--panel);margin-top:48px;padding:36px 0}.footer-links{display:flex;gap:14px 22px;flex-wrap:wrap;font-size:14px;margin:20px 0}.footer-links a{color:var(--muted)}#status{position:fixed;bottom:12px;left:50%;transform:translateX(-50%);max-width:90vw;padding:8px 14px;border-radius:20px;background:var(--ink);color:var(--panel);font-size:13px;z-index:30}#status:empty{display:none}#scenarios{margin-top:24px}#scenarios p{font-size:12px;overflow-wrap:anywhere}.reading{max-width:820px;padding-top:15px}.reading h1{font-size:38px}.reading img{max-width:100%}
@media(max-width:900px){.hero{grid-template-columns:1fr;gap:26px;padding-top:25px}.hero-panel{display:none}.cards{grid-template-columns:repeat(2,minmax(0,1fr))}.calculator{grid-template-columns:1fr}.nav nav{margin-left:0;gap:12px}.nav{gap:14px}.hero p{font-size:17px}}
@media(max-width:520px){.container{padding:0 16px}.nav{padding:14px 16px;gap:10px}.nav nav{gap:8px 14px}.nav nav a{font-size:13px}.logo{font-size:23px}.cards{grid-template-columns:1fr}.card{padding:20px}.form-panel,.result-panel{padding:20px}.fields{grid-template-columns:1fr}.fields label{grid-column:auto}.metric-grid{gap:8px}.metric{padding:13px}.trust-strip{gap:16px}.ad-slot{min-height:90px}.hero{padding-bottom:25px}.categories{gap:7px}.categories a{font-size:13px;padding:8px 12px}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;animation:none!important;transition:none!important}}
@media print{header,footer,.ad-slot,.controls,#output-actions,#status,#theme,.categories,.breadcrumbs{display:none!important}body{background:#fff;color:#000}.container{max-width:none;padding:0}.calculator{display:block}.form-panel,.result-panel{border:0;padding:10px 0;box-shadow:none}input,select{border:0!important;background:none!important}.table-scroll{max-height:none;overflow:visible}svg{max-height:240px}.guide{margin-top:20px}h1{font-size:28px}.metric{break-inside:avoid}tr{break-inside:avoid}.related{display:none}}