:root{color-scheme:light;--bg:#f6f7f2;--ink:#172c26;--muted:#536660;--line:#d9e0d8;--surface:#fff;--accent:#245a4c;--soft:#e6eee6;--red:#a42b35;--control-bg:#fff;--control-line:#829785;--button-bg:#172c26;--button-ink:#fff;--button-hover:#245a4c;--result-bg:#eef3eb;--result-line:#cad8c8;--error-bg:#fff0ee;--error-line:#e5b7b7;--focus:#718128;--brand-bg:transparent;--brand-padding:0;font-family:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;font-size:16px;line-height:1.6}
:root[data-theme="dark"]{color-scheme:dark;--bg:#101c18;--ink:#ecf0e7;--muted:#adbbb0;--line:#3a5145;--surface:#182923;--accent:#b1d5b9;--soft:#284237;--red:#ffa7a4;--control-bg:#11241c;--control-line:#5f7b68;--button-bg:#bcdbc0;--button-ink:#122a1e;--button-hover:#d2e9d3;--result-bg:#20372a;--result-line:#50705a;--error-bg:#44272a;--error-line:#985e65;--focus:#e1d99a;--brand-bg:#e8eddf;--brand-padding:4px}
@media(prefers-color-scheme:dark){:root:not([data-theme]){color-scheme:dark;--bg:#101c18;--ink:#ecf0e7;--muted:#adbbb0;--line:#3a5145;--surface:#182923;--accent:#b1d5b9;--soft:#284237;--red:#ffa7a4;--control-bg:#11241c;--control-line:#5f7b68;--button-bg:#bcdbc0;--button-ink:#122a1e;--button-hover:#d2e9d3;--result-bg:#20372a;--result-line:#50705a;--error-bg:#44272a;--error-line:#985e65;--focus:#e1d99a;--brand-bg:#e8eddf;--brand-padding:4px}}
*{box-sizing:border-box}body{margin:0;background:var(--bg);color:var(--ink)}a{color:var(--accent);text-underline-offset:4px}button,input,select,textarea{font:inherit}button,a,input,select,summary{touch-action:manipulation}button{cursor:pointer}button:disabled{opacity:.55;cursor:wait}button:focus-visible,a:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid var(--focus);outline-offset:3px}button{border:0}h1,h2,h3,p{margin-top:0}h1,h2,h3{line-height:1.15;letter-spacing:-.035em}h1{font-size:clamp(2.2rem,4vw,3.3rem);max-width:900px;margin-bottom:18px}h2{font-size:1.8rem}h3{font-size:1.05rem}p{margin-bottom:18px}.container{max-width:1160px;margin:0 auto;padding:0 28px 70px}.site-header{max-width:1160px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;padding:28px;border-bottom:1px solid var(--line);gap:24px}.brand{display:inline-flex;gap:12px;align-items:center;text-decoration:none;color:var(--ink);min-height:44px;flex-shrink:0}.brand-mark{display:block;width:36px;height:42px;flex:none;background:var(--brand-bg);padding:var(--brand-padding);border-radius:6px}.brand-wordmark{font-size:1.2rem;font-weight:650;letter-spacing:-.045em;line-height:1.1}.brand-detail{display:block;font-size:.57rem;letter-spacing:.25em;color:var(--muted);font-weight:500;line-height:1.4;margin-top:5px}.site-header nav{display:flex;gap:26px;margin-left:auto}.site-header nav a{font-size:.88rem;text-decoration:none;color:var(--muted);padding:9px 0}.site-header nav a[aria-current]{color:var(--ink);box-shadow:0 2px var(--accent)}.eyebrow{text-transform:uppercase;font-size:.71rem;letter-spacing:.16em;font-weight:750;color:var(--accent);margin-bottom:16px}.home-hero{padding:78px 0 55px;max-width:850px}.home-hero h1{font-size:clamp(3rem,6.7vw,5.45rem);letter-spacing:-.065em;line-height:1.02;margin-bottom:26px}.home-hero em{font-style:normal;color:var(--accent)}.hero-description{font-size:1.15rem;color:var(--muted);max-width:600px;margin-bottom:28px}.primary-button{display:inline-flex;align-items:center;justify-content:space-between;gap:30px;padding:15px 22px;background:var(--button-bg);border-radius:9px;color:var(--button-ink);text-decoration:none;font-weight:650;min-height:52px;line-height:1.3}.primary-button:hover{background:var(--button-hover)}.hero-note{font-size:.8rem;color:var(--muted);margin-top:14px;margin-bottom:0}.scope{border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:17px 0;display:flex;flex-wrap:wrap;gap:5px 22px;font-size:.78rem;align-items:center;margin-bottom:34px}.scope strong{font-weight:650}.scope span{color:var(--muted)}.scope a{margin-left:auto;font-weight:650}.home-tools{padding:15px 0 55px}.tool-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.tool-card{display:flex;flex-direction:column;min-width:0;background:var(--surface);border:1px solid var(--line);border-radius:12px;padding:28px;text-decoration:none;color:var(--ink);transition:border-color .15s,transform .15s}.tool-card:hover{border-color:var(--accent);transform:translateY(-2px)}.card-number{font-size:.67rem;letter-spacing:.1em;color:var(--muted);font-weight:700;margin-bottom:26px}.tool-card h2{font-size:1.4rem;margin-bottom:14px}.tool-card p{font-size:.91rem;color:var(--muted)}.card-arrow{margin-top:auto;padding-top:18px;font-size:.85rem;color:var(--accent);font-weight:700}.home-method{border-top:1px solid var(--line);padding:45px 0 5px;display:grid;grid-template-columns:1fr 1fr;gap:50px}.home-method h2{font-size:2.6rem}.home-method>div:nth-child(2){max-width:460px;color:var(--muted)}.page-heading{padding-top:48px;max-width:800px}.page-heading>p:last-child{font-size:1.05rem;color:var(--muted);margin-bottom:26px}.calculator-layout{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr);gap:24px;align-items:start}.panel{border:1px solid var(--line);border-radius:14px;padding:28px;background:var(--surface);min-width:0}.panel-heading{display:flex;justify-content:space-between;align-items:center;gap:10px;margin-bottom:20px}.panel-heading h2{font-size:1.2rem;margin:0}.text-button{background:transparent;color:var(--accent);font-size:.78rem;padding:10px 0;min-height:44px;line-height:1.3;text-decoration:underline;text-underline-offset:3px}.field-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}.field{margin-bottom:18px;min-width:0}.field-grid .field{margin:0}.field label{font-size:.81rem;font-weight:650;display:block;margin-bottom:7px}.field small{display:block;line-height:1.45;color:var(--muted);font-size:.72rem;margin-top:8px}.input-wrap{display:flex;align-items:center;border:1px solid var(--control-line);border-radius:7px;background:var(--control-bg);overflow:hidden}.input-wrap>span{color:var(--muted);padding:0 13px;font-size:.9rem}.input-wrap>span+input{padding-left:0}.input-wrap input{border:0;background:none;width:100%;min-width:0;padding:12px;color:var(--ink);line-height:1.3;font-variant-numeric:tabular-nums}.input-wrap:focus-within{outline:2px solid var(--accent);outline-offset:1px}.input-wrap input:focus{outline:none}.field select{border:1px solid var(--control-line);border-radius:7px;padding:12px 10px;width:100%;min-width:0;background:var(--control-bg);color:var(--ink);font-size:.85rem;line-height:1.3}.form-section{margin-top:28px;margin-bottom:16px}.advanced{border-top:1px solid var(--line);margin-top:24px;padding-top:7px;margin-bottom:20px}.advanced summary{padding:13px 0;cursor:pointer;font-size:.86rem;font-weight:650;min-height:44px}.advanced .field-grid{margin-top:12px}.input-panel .primary-button{width:100%;margin-top:6px}.presets{display:flex;gap:8px;align-items:center}.presets button{font-size:.8rem;padding:8px 12px;border-radius:6px;background:var(--soft);color:var(--accent);min-height:44px}.save-row{display:flex;flex-wrap:wrap;gap:20px;margin-top:8px}.small-status{font-size:.75rem;color:var(--muted);line-height:1.5;margin:5px 0 0;min-height:1px}.validation{background:var(--error-bg);border:1px solid var(--error-line);color:var(--red);padding:12px;border-radius:8px;font-size:.85rem;margin-bottom:15px}.result-panel{background:var(--result-bg);border-color:var(--result-line);scroll-margin-top:20px}.result-panel .eyebrow{margin-bottom:14px}.amount{font-size:clamp(2.5rem,4.5vw,3.8rem);letter-spacing:-.065em;font-variant-numeric:tabular-nums;margin-bottom:4px;overflow-wrap:anywhere}.negative{color:var(--red)}.result-subtitle{font-size:.85rem;color:var(--muted);margin-bottom:22px}.result-stats{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:15px;border-top:1px solid var(--result-line);border-bottom:1px solid var(--result-line);padding:18px 0;margin-bottom:20px}.result-stats span{display:block;font-size:.74rem;color:var(--muted)}.result-stats strong{font-size:1.1rem;font-variant-numeric:tabular-nums;overflow-wrap:anywhere}.insight{font-size:.81rem;color:var(--accent);margin-bottom:20px;line-height:1.55}.breakdown{margin:0;font-size:.78rem;font-variant-numeric:tabular-nums}.breakdown>div{display:flex;justify-content:space-between;gap:18px;padding:6px 0}.breakdown dt{color:var(--muted)}.breakdown dd{margin:0;text-align:right;white-space:nowrap}.breakdown .subtotal{border-top:1px solid var(--result-line);font-weight:650;margin-top:5px;padding-top:10px}.breakdown .subtotal dt{color:var(--ink)}.result-note{font-size:.7rem;color:var(--muted);border-top:1px solid var(--result-line);padding-top:17px;margin-top:18px;margin-bottom:10px;line-height:1.5}.result-actions{display:flex;gap:10px}.result-actions button{border:1px solid var(--control-line);background:transparent;color:var(--accent);padding:9px 14px;border-radius:6px;font-size:.79rem;min-height:44px}.result-details{margin-top:20px;font-size:.8rem}.result-details summary{cursor:pointer;min-height:44px;padding:12px 0}.comparison{width:100%;border-collapse:collapse;font-size:.78rem;font-variant-numeric:tabular-nums}.comparison caption{font-size:.75rem;text-align:left;margin:7px 0;color:var(--muted)}.comparison th,.comparison td{text-align:right;padding:10px 3px;border-bottom:1px solid var(--result-line)}.comparison th:first-child{text-align:left;font-weight:500}.comparison thead{font-size:.7rem;color:var(--muted)}.comparison tbody tr:nth-child(4){font-weight:750}.comparison tbody tr:nth-child(4) th{font-weight:750}.comparison td{white-space:nowrap}.prose{max-width:790px;font-size:.95rem;color:var(--muted)}.prose h1,.prose h2{color:var(--ink)}.prose h2{font-size:1.6rem;margin-top:36px;margin-bottom:15px}.tool-explanation{padding-top:38px;max-width:810px}.related{margin-top:55px;border-top:1px solid var(--line);padding-top:30px}.related>h2{font-size:1.3rem;margin-bottom:22px}.related .tool-card{padding:23px}.related .tool-card h2{font-size:1.2rem}.editorial{padding-top:55px;min-height:400px}.editorial>h1{font-size:2.7rem}.table-scroll{overflow-x:auto}.rates{border-collapse:collapse;width:100%;font-size:.8rem;min-width:560px}.rates th,.rates td{text-align:left;border-bottom:1px solid var(--line);padding:14px 10px;vertical-align:top}.rates th{font-weight:650;color:var(--ink)}.rates small{display:block;font-weight:400;color:var(--muted);margin-top:6px;font-size:.72rem;line-height:1.45}.site-footer{max-width:1104px;margin:auto;border-top:1px solid var(--line);padding:32px 0 40px;display:flex;justify-content:space-between;gap:30px;font-size:.79rem}.site-footer p{color:var(--muted);font-size:.73rem;margin-top:8px;margin-bottom:0}.site-footer nav{display:flex;gap:22px;flex-wrap:wrap;align-items:start}.site-footer a{text-decoration:none;padding:6px 0}.skip-link{position:absolute;top:-100px;left:15px;background:var(--button-bg);color:var(--button-ink);padding:12px;z-index:10}.skip-link:focus{top:10px}[hidden]{display:none!important}#copy-status textarea{width:100%;min-height:180px;border:1px solid var(--control-line);border-radius:6px;font-size:.75rem;padding:10px;background:var(--control-bg);color:var(--ink)}
.visually-hidden{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip-path:inset(50%);white-space:nowrap;border:0}
.theme-control{position:relative;flex:none;display:flex;align-items:center;min-height:44px;color:var(--muted)}
.theme-control svg{position:absolute;left:12px;width:16px;height:16px;pointer-events:none}
.theme-control select{min-height:44px;width:112px;padding:9px 8px 9px 34px;border:1px solid var(--control-line);border-radius:8px;background:var(--surface);color:var(--ink);font-size:.78rem;cursor:pointer}
.theme-control select:hover{border-color:var(--accent)}

@media(max-width:1000px){.scope a{margin-left:0}.site-footer{margin:0 28px}.tool-card{padding:22px}.tool-card h2{font-size:1.25rem}.panel{padding:22px}.site-header{gap:18px}.site-header nav{gap:18px}}
@media(max-width:760px){.container{padding:0 20px 45px}.site-header{padding:20px;align-items:start;gap:15px;flex-wrap:wrap}.site-header nav{gap:22px;width:100%;padding-top:5px;order:3;margin-left:0}.theme-control{margin-left:auto}.site-header nav a{padding:8px 0;font-size:.81rem}.home-hero{padding:48px 0 35px}.hero-description{font-size:1rem}.tool-cards{grid-template-columns:1fr}.tool-card{padding:24px}.card-number{margin-bottom:16px}.card-arrow{padding-top:5px}.home-method{grid-template-columns:1fr;gap:15px;padding-top:30px}.home-method h2{font-size:2.2rem}.home-tools{padding-bottom:35px}.page-heading{padding-top:32px}.page-heading h1{font-size:2.25rem}.calculator-layout{grid-template-columns:1fr;gap:20px}.scope{margin-bottom:25px;gap:5px;display:block}.scope strong,.scope span,.scope a{display:block;margin-bottom:5px}.scope a{margin-bottom:0}.panel{padding:24px}.amount{font-size:3.3rem}.site-footer{margin:0 20px;flex-direction:column;gap:18px;padding-top:25px}.site-footer nav{gap:18px}.editorial{padding-top:35px}.editorial>h1{font-size:2.1rem}}
@media(max-width:390px){.container{padding-left:16px;padding-right:16px}.site-header{padding:18px 16px}.panel{padding:19px}.field-grid{gap:15px}.field label{font-size:.75rem}.field select{font-size:.78rem}.input-wrap>span{padding:0 9px}.input-wrap input{font-size:.95rem;padding:12px 8px}.comparison{font-size:.72rem}.amount{font-size:2.85rem}.result-actions{gap:8px}.site-header nav{gap:19px}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}.tool-card:hover{transform:none}}
@media(max-width:760px){.presets{flex-wrap:wrap;gap:6px}.presets button{padding:8px;min-width:44px}}
.amount.amount-long{font-size:clamp(1.75rem,3vw,2.4rem);letter-spacing:-.035em}
.comparison-scroll{max-width:100%}
.comparison-scroll:focus-visible{outline:3px solid var(--focus);outline-offset:3px}
.print-only{display:none}
@media print{:root[data-theme],:root:not([data-theme]){color-scheme:light;--bg:#fff;--ink:#000;--muted:#333;--line:#bbb;--surface:#fff;--accent:#000;--soft:#fff;--red:#8d1829;--control-bg:#fff;--control-line:#999;--button-bg:#000;--button-ink:#fff;--button-hover:#000;--result-bg:#fff;--result-line:#bbb;--error-bg:#fff;--error-line:#999}body{background:#fff;color:#000;font-size:10pt}.site-header,.site-footer,.skip-link,.related,.tool-explanation,.text-button,.primary-button,.result-actions,.save-row,.presets,.small-status{display:none!important}.container{padding:0;max-width:none}.page-heading{padding-top:0}.page-heading h1{font-size:22pt}.scope{margin-bottom:12px;padding:8px 0}.scope a{display:none}.calculator-layout{display:block}.panel{border:1px solid #bbb;padding:15px;background:#fff;margin-bottom:15px;break-inside:avoid}.amount,.amount.amount-long{font-size:30pt}.comparison-scroll{overflow:visible}.input-wrap input,select{padding:4px;font-size:10pt}.field{margin-bottom:8px}.field-grid{gap:8px}.advanced{margin-top:10px}.result-panel{break-before:auto}.result-note{margin-top:10px}.field small{font-size:8pt}.form-section{margin-top:10px}.result-details .breakdown{display:block}.print-source{display:block;font-size:8pt;margin:10px 0 0}.print-invalid #result{display:none}.print-invalid .print-error{display:block;font-weight:700}.result-details summary{min-height:0;padding:6px 0}a{color:#000}}