:root{color-scheme:light;--paper:#f8f5ef;--white:#fff;--ink:#262b35;--muted:#535b68;--accent:#364d80;--line:#d8dbe2;--error:#9c2525}*{box-sizing:border-box}body{margin:0;background:var(--paper);color:var(--ink);font:1rem/1.65 system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}a{color:var(--accent);text-underline-offset:.22em}a:hover{text-decoration-thickness:2px}a:focus-visible,button:focus-visible,input:focus-visible{outline:3px solid var(--accent);outline-offset:4px}.skip{position:absolute;top:-100px;left:1rem;background:#fff;padding:.6rem;z-index:5}.skip:focus{top:1rem}.wrap{max-width:1080px;margin:auto;padding:0 28px}.header{border-bottom:1px solid var(--line);background:var(--white)}.header-inner{display:flex;justify-content:space-between;align-items:center;gap:24px;padding-top:22px;padding-bottom:22px}.brand{font-size:1.2rem;font-weight:750;text-decoration:none;color:var(--ink);white-space:nowrap}nav{display:flex;flex-wrap:wrap;gap:8px 22px}nav a{font-size:.94rem;color:var(--muted);text-decoration:none;padding:4px 0}nav a[aria-current=page]{color:var(--accent);font-weight:700;text-decoration:underline}main{padding-top:52px;padding-bottom:64px;min-height:65vh}h1,h2,h3{line-height:1.22;letter-spacing:-.025em}h1{font-size:clamp(2rem,4vw,3rem);max-width:820px;margin:0 0 24px}h2{font-size:1.5rem;margin:32px 0 16px}h3{font-size:1.1rem}.eyebrow{color:var(--accent);font-size:.82rem;letter-spacing:.13em;text-transform:uppercase;font-weight:750;margin:0 0 16px}.lead{font-size:1.14rem;max-width:700px;color:var(--muted)}.button{display:inline-block;background:var(--accent);color:#fff;border:1px solid var(--accent);border-radius:6px;padding:12px 22px;font:inherit;font-weight:700;text-decoration:none;cursor:pointer}.button:hover{background:#293c67}.actions{display:flex;align-items:center;flex-wrap:wrap;gap:20px;margin:30px 0}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:52px}.card,.panel{background:var(--white);border:1px solid var(--line);border-radius:10px;padding:26px}.card h2{font-size:1.12rem;margin:0 0 12px}.card p{margin:0;color:var(--muted)}.small,.hint{font-size:.88rem;color:var(--muted)}.prose{max-width:760px}.prose p{margin:0 0 20px}.formula{padding:16px 20px;background:#edf0f6;border-left:3px solid var(--accent);border-radius:3px;font-weight:650}.calculator{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(0,1fr);gap:26px;align-items:start;margin-top:32px}fieldset{border:0;padding:0;margin:0 0 28px;min-width:0}legend{font-size:1.05rem;font-weight:750;padding:0;margin-bottom:12px}.field{margin-top:16px}label{display:block;font-size:.94rem;font-weight:650;margin-bottom:7px}input[type=text]{display:block;width:100%;min-width:0;border:1px solid #8c95a5;border-radius:5px;padding:11px 12px;background:#fff;color:var(--ink);font:inherit;font-size:1rem;line-height:1.4}input[aria-invalid=true]{border-color:var(--error);border-width:2px}.hint{display:block;margin-top:5px}.radio-row{display:flex;flex-wrap:wrap;gap:10px 22px;margin-top:15px}.radio-row label{display:flex;align-items:center;gap:9px;margin:0;font-weight:500;cursor:pointer}.radio-row input{width:18px;height:18px;margin:0;accent-color:var(--accent)}.error{color:var(--error);font-size:.9rem;margin:6px 0 0}.error:empty{display:none}.results h2{margin:0 0 8px}.results dl{margin:20px 0 0}.result-row{display:flex;justify-content:space-between;align-items:baseline;gap:18px;border-bottom:1px solid var(--line);padding:14px 0}.result-row dt{color:var(--muted);font-size:.94rem}.result-row dd{margin:0;font-weight:700;white-space:nowrap}.result-row.total{border:0;padding-top:23px}.total dt{font-weight:750;color:var(--ink)}.total dd{font-size:1.7rem;color:var(--accent)}.result-row.share{background:#edf0f6;padding:14px 16px;border:0;border-radius:6px;margin-top:9px}.share dd{font-size:1.2rem}.result-note{margin:22px 0 0}.status{font-size:.94rem;color:var(--muted);margin:0 0 18px}footer{border-top:1px solid var(--line);padding:24px 0;color:var(--muted);font-size:.88rem}footer .wrap{display:flex;justify-content:space-between;flex-wrap:wrap;gap:8px 25px}[hidden]{display:none!important}@media(max-width:740px){.header-inner{align-items:flex-start;flex-direction:column;gap:12px}.wrap{padding-left:20px;padding-right:20px}main{padding-top:36px;padding-bottom:44px}.cards,.calculator{grid-template-columns:1fr}.cards{margin-top:36px;gap:14px}.panel,.card{padding:22px}.calculator{gap:20px}.result-row{gap:10px}.result-row dt{font-size:.9rem}}@media(max-width:360px){.wrap{padding-left:14px;padding-right:14px}.panel{padding:18px}.result-row{flex-wrap:wrap}}