:root{--ink: #101827;--muted: #5c6679;--line: #dfe5ef;--paper: #ffffff;--canvas: #f3f6fb;--night: #111a2d;--night-soft: #1b2740;--mint: #72f1b8;--mint-dark: #08744b;--blue: #4e75ff;--orange: #ffb15c;--shadow: 0 20px 55px rgba(18, 31, 53, .1);--radius: 22px}*{box-sizing:border-box}[hidden]{display:none!important}.skip-link{position:absolute;top:-100px;left:16px;z-index:100;padding:12px 18px;background:var(--night);color:#fff}.skip-link:focus{top:12px}.no-script{padding:24px}.tool-layout.tool-layout-full{grid-template-columns:minmax(0,1fr)}.ad-slot .ad-label{display:block;padding:4px;font-size:.75rem}html{color-scheme:light;scroll-behavior:smooth}body{margin:0;min-width:320px;background:radial-gradient(circle at 92% 4%,rgba(78,117,255,.09),transparent 23rem),var(--canvas);color:var(--ink);font-family:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif;font-size:16px;line-height:1.55}a{color:inherit}button,input,select{font:inherit}input:disabled,select:disabled{cursor:not-allowed;opacity:.58}.location-status{margin:14px 0 0;padding:10px 12px;border:1px solid #cfeadd;border-radius:12px;background:#f0fff8;color:#176342;font-size:.82rem;font-weight:650}button,a{-webkit-tap-highlight-color:transparent}:focus-visible{outline:3px solid rgba(78,117,255,.45);outline-offset:3px}.site-header{position:relative;z-index:10;border-bottom:1px solid rgba(223,229,239,.9);background:#ffffffe6;backdrop-filter:blur(14px)}.header-inner{width:min(1180px,calc(100% - 40px));min-height:72px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{display:inline-flex;align-items:center;gap:11px;color:var(--ink);font-weight:790;letter-spacing:-.02em;text-decoration:none}.brand-mark{width:34px;height:34px;display:grid;grid-template-columns:repeat(3,1fr);align-items:end;gap:3px;padding:7px;border-radius:10px;background:var(--night)}.brand-mark i{display:block;border-radius:2px 2px 1px 1px;background:var(--mint)}.brand-mark i:nth-child(1){height:35%}.brand-mark i:nth-child(2){height:62%}.brand-mark i:nth-child(3){height:100%}.header-nav{display:flex;align-items:center;gap:22px;color:var(--muted);font-size:.9rem;font-weight:650}.header-nav a{text-decoration:none}.header-nav a:hover{color:var(--ink)}.privacy-chip{display:inline-flex;align-items:center;gap:7px;padding:8px 11px;border:1px solid #cfeadd;border-radius:999px;background:#f0fff8;color:#176342;font-size:.78rem;font-weight:750}.privacy-chip:before{width:7px;height:7px;border-radius:50%;background:#19a568;content:""}.privacy-short{display:none}.shell{width:min(1180px,calc(100% - 40px));margin:0 auto}.breadcrumb{display:inline-flex;margin-top:30px;color:var(--muted);font-size:.88rem;font-weight:650;text-decoration:none}.breadcrumb:hover{color:var(--blue)}.page-intro{max-width:760px;padding:46px 0 28px}.breadcrumb+.page-intro{padding-top:24px}.eyebrow{margin:0 0 9px;color:var(--blue);font-size:.78rem;font-weight:820;letter-spacing:.12em;text-transform:uppercase}h1,h2,h3,p{margin-top:0}h1{margin-bottom:13px;font-size:clamp(2.05rem,5vw,3.7rem);line-height:1.02;letter-spacing:-.055em}.page-intro p:last-child{max-width:680px;margin-bottom:0;color:var(--muted);font-size:1.06rem}.tool-layout{display:grid;grid-template-columns:minmax(0,1fr) 280px;gap:22px;align-items:start}.calculator-shell{overflow:hidden;border:1px solid rgba(216,224,236,.95);border-radius:var(--radius);background:var(--paper);box-shadow:var(--shadow)}.calculator-topbar{min-height:62px;padding:14px 19px;display:flex;align-items:center;justify-content:space-between;gap:18px;border-bottom:1px solid var(--line)}.calculator-heading{min-width:0}.calculator-topbar strong{font-size:.95rem;letter-spacing:-.01em}.calculator-topbar span{color:var(--muted);font-size:.78rem}.calculator-actions{position:relative;display:flex;align-items:center;gap:8px;flex:0 0 auto}.action-button,.reset-button{min-height:38px;padding:8px 12px;border:1px solid var(--line);border-radius:10px;background:#fff;color:#334057;cursor:pointer;font-size:.82rem;font-weight:700}.action-button:hover,.reset-button:hover{border-color:#bcc8d8;color:var(--ink)}.compare-button{border-color:#b8c7ff;background:#eef2ff;color:#304eb8}.compare-button[aria-pressed=true]{border-color:#7fe1b4;background:#e9fff4;color:#08744b}.export-button{padding-right:30px;background:linear-gradient(45deg,transparent 50%,#667289 50%) calc(100% - 14px) 52% / 5px 5px no-repeat,linear-gradient(135deg,#667289 50%,transparent 50%) calc(100% - 10px) 52% / 5px 5px no-repeat,#fff}.export-wrap{position:relative}.export-menu{position:absolute;top:calc(100% + 8px);right:0;z-index:20;width:170px;overflow:hidden;padding:6px;border:1px solid var(--line);border-radius:12px;background:#fff;box-shadow:0 18px 45px #121f3529}.export-menu[hidden]{display:none}.export-menu button{width:100%;padding:10px 11px;border:0;border-radius:8px;background:transparent;color:#334057;cursor:pointer;text-align:left;font-size:.84rem;font-weight:680}.export-menu button:hover,.export-menu button:focus{background:#eef2ff;color:#2746b0;outline:none}.sr-only{position:absolute!important;width:1px!important;height:1px!important;padding:0!important;margin:-1px!important;overflow:hidden!important;clip:rect(0,0,0,0)!important;white-space:nowrap!important;border:0!important}.calculator-grid{display:grid;grid-template-columns:minmax(0,1.12fr) minmax(300px,.88fr)}.input-panel{padding:26px}.input-panel h2,.result-panel h2{margin-bottom:19px;font-size:1.03rem;letter-spacing:-.015em}.field-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px 16px}.field{min-width:0}.field-wide{grid-column:1 / -1}.field label{display:block;margin-bottom:7px;color:#334057;font-size:.82rem;font-weight:740}.input-wrap{position:relative}.input-prefix,.input-suffix{position:absolute;top:50%;transform:translateY(-50%);color:#748096;pointer-events:none;font-size:.9rem;font-weight:680}.input-prefix{left:13px}.input-suffix{right:13px}.field input,.field select{width:100%;min-height:48px;border:1px solid #ccd5e2;border-radius:12px;background:#fbfcff;color:var(--ink);font-size:1rem;font-weight:650;line-height:1.5;font-variant-numeric:tabular-nums;transition:border-color .15s ease,box-shadow .15s ease,background .15s ease}.field input{padding:10px 13px}.field input[type=number]{text-align:right}.field input[type=number]::-webkit-inner-spin-button,.field input[type=number]::-webkit-outer-spin-button{margin:0;-webkit-appearance:none}.field input[type=number]{appearance:textfield;-moz-appearance:textfield}.field select{padding:10px 34px 10px 13px}.field.has-prefix input{padding-left:29px}.field.has-suffix input{padding-right:64px}.field input:hover,.field select:hover{border-color:#aebbd0}.field input:focus,.field select:focus{border-color:var(--blue);background:#fff;box-shadow:0 0 0 4px #4e75ff1c;outline:none}.field small{display:block;margin-top:5px;color:#778197;font-size:.72rem}.input-footnote{margin:20px 0 0;padding-top:17px;border-top:1px solid var(--line);color:var(--muted);font-size:.78rem}.result-panel{min-width:0;padding:27px;background:radial-gradient(circle at 100% 0,rgba(114,241,184,.11),transparent 13rem),var(--night);color:#fff}.result-panel h2{color:#aebbd0}.result-main{margin-bottom:24px;padding-bottom:21px;border-bottom:1px solid rgba(255,255,255,.12)}.result-main span{display:block;color:#b5c0d1;font-size:.78rem;font-weight:700;letter-spacing:.03em;text-transform:uppercase}.result-main strong{display:block;margin:5px 0 3px;color:var(--mint);font-size:clamp(2rem,4vw,3.25rem);line-height:1;letter-spacing:-.055em;overflow-wrap:anywhere}.result-main small{color:#9caac0;font-size:.75rem}.result-stats{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;margin-bottom:22px}.result-stat{min-width:0;padding:12px;border:1px solid rgba(255,255,255,.1);border-radius:12px;background:#ffffff0b}.result-stat span{display:block;margin-bottom:3px;color:#9daac0;font-size:.7rem}.result-stat strong{display:block;font-size:.98rem;overflow-wrap:anywhere;font-variant-numeric:tabular-nums}.breakdown{display:grid;gap:11px}.breakdown-row{display:grid;gap:5px}.breakdown-copy{display:flex;justify-content:space-between;gap:12px;color:#b7c3d4;font-size:.72rem}.breakdown-copy strong{color:#eef4ff}.breakdown-track{height:6px;overflow:hidden;border-radius:99px;background:#ffffff1a}.breakdown-fill{height:100%;min-width:2px;border-radius:inherit;background:linear-gradient(90deg,var(--blue),var(--mint));transition:width .22s ease}.result-note,.result-error{margin:19px 0 0;color:#9eabc0;font-size:.74rem}.result-error{color:#ffd1bc}.comparison-panel{padding:28px;border-top:1px solid var(--line);background:#f8faff}.comparison-panel[hidden]{display:none}.comparison-heading{margin-bottom:19px;display:flex;align-items:flex-start;justify-content:space-between;gap:18px}.comparison-heading h2{margin-bottom:4px;font-size:1.45rem;letter-spacing:-.035em}.comparison-heading p:last-child{margin-bottom:0;color:var(--muted);font-size:.86rem}.comparison-grid{display:grid;grid-template-columns:repeat(var(--scenario-count, 4),minmax(0,1fr));min-width:calc(var(--scenario-count, 4) * 240px);gap:14px}.comparison-scroll{overflow-x:auto;padding-bottom:10px}.comparison-actions{display:flex;justify-content:space-between;align-items:center;gap:20px;margin-top:22px}.comparison-actions p{margin:0;color:var(--muted);font-size:.85rem}.comparison-actions .export-menu{top:auto;bottom:calc(100% + 8px)}.comparison-actions .export-wrap{flex:0 0 auto}.next-step-grid,.question-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}.next-step-card{display:block;padding:26px;border:1px solid var(--line);border-radius:18px;background:#fff;color:var(--ink);text-decoration:none}.next-step-card:hover{border-color:var(--blue);background:#f8faff}.next-step-card h3{margin:8px 0 12px;font-size:1.15rem}.next-step-card p{margin-bottom:0;color:var(--muted);font-size:.94rem}.question-links{display:flex;flex-wrap:wrap;gap:16px;margin:20px 0}.question-links a{padding:15px 20px;border:1px solid var(--line);border-radius:12px;text-decoration:none;color:var(--blue);background:#fff}.answer-summary{display:grid;grid-template-columns:1.1fr 1fr;gap:40px;padding:32px;border:1px solid var(--line);border-radius:22px;background:#f5f8fc}.answer-summary h2{font-size:1.3rem}.answer-summary aside p{color:var(--muted);font-size:.95rem}.answer-values{margin:0}.answer-values div{display:flex;justify-content:space-between;gap:16px;padding:11px 0;border-bottom:1px solid #d9e1ee}.answer-values dt{color:var(--muted)}.answer-values dd{margin:0;font-weight:750;font-variant-numeric:tabular-nums}.answer-formula{font-weight:700;color:var(--ink)!important}.guide+.tool-layout{margin-top:30px}.home-value-note{margin:8px 0 0;font-size:.85rem;color:var(--muted)}.ad-guide{margin:40px 0}@media(max-width:800px){.next-step-grid,.question-grid,.answer-summary{grid-template-columns:1fr}.answer-summary{padding:24px;gap:24px}}.scenario-card{min-width:0;padding:20px;border:1px solid #d9e1ee;border-radius:16px;background:#fff}.scenario-current{border-color:#bdebd4;box-shadow:inset 0 3px 0 var(--mint-dark)}.scenario-card-head{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-bottom:13px}.scenario-card-head .scenario-label{margin-bottom:0}.scenario-remove,.comparison-clear{border:1px solid #d6deeb;border-radius:999px;background:#fff;color:var(--muted);cursor:pointer;font-size:.74rem;font-weight:720}.scenario-remove{padding:5px 9px}.comparison-clear{flex:0 0 auto;padding:8px 12px}.scenario-remove:hover,.comparison-clear:hover{border-color:#aebbd0;color:var(--ink)}.action-button:disabled{cursor:default;opacity:.62}.scenario-label{margin-bottom:13px;color:var(--blue);font-size:.74rem;font-weight:820;letter-spacing:.08em;text-transform:uppercase}.scenario-main{margin-bottom:18px;padding-bottom:17px;border-bottom:1px solid var(--line)}.scenario-main span{display:block;color:var(--muted);font-size:.74rem}.scenario-main strong{display:block;margin-top:3px;color:var(--ink);font-size:clamp(1.45rem,4vw,2rem);line-height:1.08;letter-spacing:-.04em;overflow-wrap:anywhere}.scenario-card h3{margin:15px 0 7px;color:#657187;font-size:.7rem;letter-spacing:.08em;text-transform:uppercase}.scenario-list{margin:0;padding:0;list-style:none}.scenario-list li{padding:7px 0;display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);align-items:baseline;gap:16px;border-bottom:1px solid #edf0f5;font-size:.78rem}.scenario-list li:last-child{border-bottom:0}.scenario-list span{color:var(--muted)}.scenario-list strong{text-align:right;overflow-wrap:anywhere;font-variant-numeric:tabular-nums}.ad-slot{display:grid;place-items:center;overflow:hidden;border:1px dashed #cbd4e2;border-radius:16px;background:#ffffff9e;color:#8a94a5;text-align:center}.ad-slot span{padding:14px;font-size:.68rem;font-weight:750;letter-spacing:.1em;text-transform:uppercase}.ad-slot span small{display:block;margin-top:5px;font-size:.66rem;font-weight:560;letter-spacing:0;text-transform:none}.ad-rail{min-height:250px}.ad-inline{min-height:90px;margin:26px 0 0}.ad-footer{width:min(760px,100%);min-height:90px;margin:0 auto 30px;background:#ffffff0a;border-color:#fff3;color:#8f9bb0}.ad-slot.is-live{display:block;border:0;background:transparent}.ad-slot.is-empty{min-height:0;height:0;margin:0;border:0}.section{padding:66px 0 0}.section-head{display:flex;align-items:end;justify-content:space-between;gap:20px;margin-bottom:22px}.section-head h2,.guide h2{margin-bottom:6px;font-size:clamp(1.55rem,3vw,2.2rem);line-height:1.1;letter-spacing:-.04em}.section-head p,.guide>p{margin-bottom:0;color:var(--muted)}.calculator-directory{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:12px}.directory-card{min-height:148px;padding:17px;display:flex;flex-direction:column;justify-content:space-between;gap:20px;border:1px solid var(--line);border-radius:16px;background:#ffffffc4;color:var(--ink);text-decoration:none;transition:transform .16s ease,border-color .16s ease,box-shadow .16s ease}.directory-card:hover{transform:translateY(-3px);border-color:#b7c2d2;box-shadow:0 14px 30px #121f3514}.directory-card .number{color:var(--blue);font-size:.7rem;font-weight:850;letter-spacing:.1em}.directory-card strong{display:block;font-size:.98rem;line-height:1.25}.directory-card span:last-child{color:var(--muted);font-size:.76rem}.directory-card .directory-title{color:var(--ink)}.directory-card .directory-description{line-height:1.5}.result-stat,.result-stat strong,.scenario-main,.scenario-list li{min-width:0}.result-main strong,.result-stat strong,.scenario-list strong{overflow-wrap:anywhere}.math-keypad{margin-top:12px}.math-memory,.math-numbers{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:8px}.math-functions{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:8px;margin:10px 0}.math-memory{margin-bottom:10px}.math-key{min-width:0;min-height:48px;padding:10px 4px;border:1px solid #ccd5e2;border-radius:10px;background:#f4f7fb;color:var(--ink);font-size:1.05rem;font-weight:700;line-height:1.4;text-align:center;cursor:pointer;font-variant-numeric:tabular-nums}.math-key:hover{background:#e8eef8;border-color:#9baecb}.math-key:focus-visible{outline:3px solid var(--blue);outline-offset:2px}.math-key.math-equals{background:var(--night);color:#fff;border-color:var(--night)}.math-functions .math-key,.math-memory .math-key{font-size:.9rem}.math-memory-status{min-height:1.5em;color:var(--muted);font-size:.78rem;overflow-wrap:anywhere}[data-field=expression],.result-main strong,.scenario-main strong{font-variant-numeric:tabular-nums}.breakdown-copy{align-items:baseline}.breakdown-copy strong{white-space:nowrap;font-variant-numeric:tabular-nums;text-align:right}@supports (grid-template-rows: subgrid){.field-grid{row-gap:0}.field{display:grid;grid-template-rows:subgrid;grid-row:span 3;row-gap:0;margin-bottom:18px}.field>label{align-self:end}.field>.input-wrap,.field>select{align-self:start}.field>small{grid-row:3}.result-stats{row-gap:0}.result-stat{display:grid;grid-template-rows:subgrid;grid-row:span 2;row-gap:3px;margin-bottom:10px}.result-stat span,.result-stat strong{align-self:start}.calculator-directory{row-gap:0}.directory-card{display:grid;grid-template-rows:subgrid;grid-row:span 3;row-gap:0;margin-bottom:12px;justify-content:stretch}.directory-card .number{margin-bottom:20px}.directory-card .directory-title{margin-bottom:8px;align-self:start}.directory-card .directory-description{align-self:start}.comparison-grid{grid-template-rows:repeat(var(--comparison-rows),auto);row-gap:0}.scenario-card{display:grid;grid-template-rows:subgrid;grid-row:span var(--comparison-rows);row-gap:0}.scenario-main{display:grid;grid-template-rows:subgrid;grid-row:span 2;row-gap:0}.scenario-list{display:contents}.scenario-list li{align-items:start}.next-step-grid{row-gap:0}.next-step-card{display:grid;grid-template-rows:subgrid;grid-row:span 3;row-gap:0;margin-bottom:20px}}.guide-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:40px;padding:34px;border:1px solid var(--line);border-radius:var(--radius);background:#ffffffc7}.guide-copy p{color:var(--muted)}.guide-copy p:last-child{margin-bottom:0}.formula-card{padding:23px;border-radius:16px;background:#eaf0ff;color:#293756}.formula-card h3{margin-bottom:8px;font-size:.92rem}.formula-card p{margin:0;font-size:.85rem}.faq{margin-top:28px;border-top:1px solid var(--line)}.faq details{border-bottom:1px solid var(--line)}.faq summary{padding:17px 0;cursor:pointer;font-weight:720}.faq details p{max-width:780px;margin-bottom:18px;color:var(--muted);font-size:.92rem}.source-note{padding:24px;border-left:4px solid var(--mint-dark);border-radius:0 14px 14px 0;background:#e9f8f0;color:#2c5844}.source-note p:last-child{margin-bottom:0}.source-note a{color:#075b3b;font-weight:700}.site-footer{margin-top:80px;padding:42px 0 34px;background:var(--night);color:#c6d0df}.footer-grid{display:grid;grid-template-columns:1fr auto;gap:26px;align-items:end}.footer-donation{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:24px 40px;padding:0 0 32px;margin-bottom:32px;border-bottom:1px solid rgba(255,255,255,.14)}.donation-copy{flex:1 1 360px}.donation-copy h2{margin:0 0 10px;color:#fff;font-size:clamp(1.2rem,2.5vw,1.5rem);line-height:1.3}.donation-copy p{max-width:600px;margin:0;color:#bac6d8;font-size:.9rem}.donation-form{flex:0 1 330px;width:100%}.donation-form label{display:block;margin-bottom:8px;color:#e3eaf4;font-size:.85rem;font-weight:650}.donation-controls{display:flex;align-items:stretch;gap:10px}.donation-amount-wrap{position:relative;flex:1;min-width:0}.donation-amount-wrap>span{position:absolute;left:13px;top:50%;transform:translateY(-50%);color:var(--ink);pointer-events:none}.donation-amount-wrap input{width:100%;min-height:48px;padding:10px 8px 10px 28px;border:1px solid #b2bfd2;border-radius:10px;background:#fff;color:var(--ink)}.donate-button{display:inline-flex;align-items:center;justify-content:center;gap:18px;min-height:48px;padding:11px 22px;border:1px solid var(--mint);border-radius:10px;background:var(--mint);color:var(--night);font-weight:750;cursor:pointer}.donate-button:hover{background:#a2f7d1}.donate-button:disabled{opacity:.65;cursor:wait}.footer-donation :focus-visible{outline-color:var(--mint)}.donation-help,.donation-status{margin:9px 0 0;color:#bac6d8;font-size:.78rem;line-height:1.5}.donation-status{color:#fff}@media print{.footer-donation{display:none}}.footer-grid .brand{margin-bottom:12px;color:#fff}.footer-grid p{max-width:600px;margin-bottom:0;color:#94a2b7;font-size:.82rem}.footer-links{display:flex;flex-wrap:wrap;justify-content:flex-end;gap:16px;font-size:.8rem}.footer-links a{color:#b6c2d3;text-decoration:none}.footer-links a:hover{color:var(--mint)}.footer-bottom{margin-top:27px;padding-top:22px;border-top:1px solid rgba(255,255,255,.1);color:#7f8da3;font-size:.74rem}@media(max-width:1040px){.calculator-directory{grid-template-columns:repeat(3,minmax(0,1fr))}.tool-layout{grid-template-columns:minmax(0,1fr)}.ad-rail{display:none}}@media(max-width:760px){.header-inner,.shell{width:min(100% - 28px,1180px)}.header-inner{min-height:64px}.brand-text{font-size:.92rem}.header-nav a:not(.privacy-chip){display:none}.page-intro{padding:34px 0 22px}.breadcrumb{margin-top:22px}.calculator-grid{grid-template-columns:1fr}.calculator-topbar{align-items:flex-start;flex-wrap:wrap}.calculator-heading,.calculator-actions{width:100%}.calculator-actions .action-button,.calculator-actions .reset-button{flex:1 1 auto}.export-wrap{display:flex;flex:1 1 auto}.export-button{width:100%}.input-panel,.result-panel{padding:21px}.result-panel{min-height:390px}.comparison-panel{padding:21px}.comparison-actions{flex-wrap:wrap}.comparison-heading{align-items:stretch;flex-direction:column}.comparison-clear{align-self:flex-start}.calculator-directory{grid-template-columns:repeat(2,minmax(0,1fr))}.guide-grid{grid-template-columns:1fr;gap:25px;padding:24px}.section{padding-top:52px}.footer-grid{grid-template-columns:1fr;align-items:start}.footer-links{justify-content:flex-start}.ad-inline,.ad-footer{min-height:64px}}@media(max-width:480px){.field-grid,.result-stats{grid-template-columns:1fr}.field-wide{grid-column:auto}.calculator-directory{grid-template-columns:1fr}.directory-card{min-height:116px}.privacy-chip{padding:7px 9px}.privacy-chip .privacy-full{display:none}.privacy-chip .privacy-short{display:inline}}@media(prefers-reduced-motion:reduce){*,*:before,*:after{scroll-behavior:auto!important;transition-duration:.01ms!important}}.field-help{display:block;margin-top:8px;color:var(--muted, #53657b);font-size:12px;line-height:1.5}.field-help a{color:inherit;text-decoration:underline}