:root{--navy:#142b45;--teal:#087f8c;--gold:#f2b544;--paper:#f6f4ef;--blue:#5b7d9c;--muted:#607184;--line:#dde4e7}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:20px}body{margin:0;background:var(--paper);color:var(--navy);font:16px/1.55 'Segoe UI',Arial,sans-serif}a{color:inherit}button,input,select{font:inherit}button,a,input,select,summary{-webkit-tap-highlight-color:transparent}button,summary{cursor:pointer}button:focus-visible,a:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid var(--gold);outline-offset:4px}.skip{position:absolute;top:-100px;background:white;padding:10px;z-index:5}.skip:focus{top:0}header{max-width:1320px;margin:auto;padding:24px 38px;display:flex;justify-content:space-between;align-items:center;gap:20px}.brand{display:flex;gap:12px;align-items:center;text-decoration:none;font-weight:750;font-size:22px;letter-spacing:-.5px}.brand img{width:56px;height:56px}.brand small{display:block;font-size:11px;font-weight:500;letter-spacing:.1px;color:var(--muted)}nav{display:flex;align-items:center;gap:30px;font-size:14px;font-weight:600}nav a{text-decoration:none}nav a:hover{color:var(--teal)}.youtube{border:1px solid #cbd3d7;padding:8px 14px;border-radius:7px}main{max-width:1244px;margin:auto}.hero{display:grid;grid-template-columns:1.4fr 1fr;gap:45px;align-items:center;padding:48px 0 65px}.eyebrow{font-size:11px;font-weight:800;letter-spacing:1.8px;color:var(--teal);margin:0 0 13px}h1{font-size:clamp(34px,3.6vw,51px);line-height:1.15;letter-spacing:-1.9px;margin:0;font-weight:750}em{color:var(--teal);font-style:normal}.intro{max-width:580px;color:var(--muted);font-size:18px;margin:24px 0}.hero-actions{display:flex;align-items:center;gap:20px;flex-wrap:wrap}.button{display:inline-flex;align-items:center;justify-content:center;gap:25px;text-decoration:none;border:0;border-radius:7px;padding:12px 18px;font-weight:650;font-size:14px}.primary{background:var(--teal);color:white}.primary:hover{background:#056774}.secondary{border:1px solid #cad5d8;background:white;color:var(--navy)}.secondary:hover{background:#eaf3f2}.privacy{font-size:12px;color:var(--muted)}.hero-art{background:var(--navy);color:white;border-radius:16px;padding:24px 30px 30px;transform:rotate(-1deg)}.art-label{font-size:10px;letter-spacing:1.7px;color:#b7cbd9}.hero-art svg{display:block;width:100%;height:auto;margin-top:-10px}.art-captions{display:flex;justify-content:space-around;font-size:12px;margin-top:9px;color:#c9d8e1}.section-heading{display:flex;justify-content:space-between;align-items:center;gap:20px;margin:0 0 24px}h2{font-size:32px;line-height:1.2;letter-spacing:-.9px;margin:0}h3{font-size:16px;line-height:1.3;margin:0}.workspace{display:grid;grid-template-columns:340px 1fr;gap:24px}form{background:white;padding:26px;border:1px solid var(--line);border-radius:12px;align-self:start}.form-title{display:flex;gap:12px;align-items:center;margin-bottom:25px}.step{font-size:11px;font-weight:700;border:1px solid #ccd5d9;border-radius:50%;width:27px;height:27px;display:inline-flex;align-items:center;justify-content:center;flex-shrink:0}label{display:block;font-size:12px;font-weight:650;margin:0 0 7px}.input-wrap{display:flex;align-items:center;border:1px solid #cbd5db;border-radius:6px;background:#fcfcfb;margin-bottom:18px;overflow:hidden}.input-wrap:focus-within{border-color:var(--teal)}.input-wrap input{width:100%;min-width:0;border:0;background:transparent;padding:10px 12px;font-weight:650;color:var(--navy);font-size:17px;outline:0}.input-wrap span{padding:0 11px;color:var(--muted);font-size:13px}.input-wrap>span:first-child{padding-right:0}.pair{display:grid;grid-template-columns:1fr 1fr;gap:14px}.separator{height:1px;background:var(--line);margin:1px 0 20px}select{width:100%;font-size:13px;padding:10px 7px;border:1px solid #cbd5db;border-radius:6px;background:white;color:var(--navy)}.field-note{font-size:11px;color:var(--muted);line-height:1.5;margin:10px 0 20px}.payment{background:#f1f6f5;border-radius:7px;padding:15px}.payment span,.payment small{display:block;font-size:11px;color:var(--muted)}.payment strong{display:block;font-size:23px;margin:2px 0 6px}.payment small{font-size:10px}.verdict{background:var(--navy);border-radius:12px;padding:22px 27px;color:white}.verdict-top{display:flex;align-items:center;gap:11px;font-size:10px;letter-spacing:1.1px;color:#c4d5df}.verdict-top .step{border-color:#44617b}.period{margin-left:auto;border:1px solid #426077;border-radius:20px;padding:4px 11px;white-space:nowrap}.verdict>p{font-size:16px;margin:18px 0 0;color:#d8e3ea}.verdict>strong{font-size:54px;letter-spacing:-2px;color:var(--gold);display:block;line-height:1.12;margin:5px 0}.verdict p.verdict-detail{font-size:12px;margin:10px 0 0}.result-pair{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:18px}.position{padding:20px;background:white;border:1px solid var(--line);border-top:3px solid var(--teal);border-radius:9px}.position.save{border-top-color:var(--blue)}.position-title{display:flex;align-items:center;gap:7px}.position h3{font-size:14px}.dot{display:inline-block;width:8px;height:8px;border-radius:50%;flex-shrink:0}.teal{background:var(--teal)}.blue{background:var(--blue)}.metric-label{font-size:11px;color:var(--muted);margin:17px 0 0}.position>strong{font-size:29px;letter-spacing:-.7px}.position dl{border-top:1px solid var(--line);margin:14px 0 0;padding-top:10px}.position dl div{display:flex;justify-content:space-between;gap:6px;font-size:11px;margin-top:6px}.position dt{color:var(--muted)}.position dd{margin:0;font-weight:700}.cash-note{margin:12px 0;color:#526b70;font-size:12px;line-height:1.55}.chart-card{background:white;border:1px solid var(--line);border-radius:9px;padding:19px 22px}.chart-head{display:flex;justify-content:space-between;gap:10px;align-items:center}.chart-head h3{font-size:14px}.chart-head>span{font-size:10px;color:var(--muted)}#chart{width:100%;display:block;margin-top:13px}.legend{display:flex;gap:20px;font-size:11px;color:var(--muted)}.legend span{display:flex;gap:7px;align-items:center}.legend .chart-hint{margin-left:auto;font-size:10px}.breakdown{display:flex;align-items:flex-start;gap:20px;margin-top:22px}.breakdown details{flex:1;border-top:1px solid #cbd5d9;border-bottom:1px solid #cbd5d9}.breakdown summary{padding:17px 0;display:flex;justify-content:space-between;gap:15px;font-size:14px;font-weight:650}.breakdown summary span:last-child{font-size:12px;color:var(--teal)}.table-wrap{overflow:auto}table{border-collapse:collapse;width:100%;font-size:12px;white-space:nowrap}caption{text-align:left;white-space:normal;font-size:11px;color:var(--muted);padding:6px 0 15px}th,td{text-align:right;padding:11px 10px;border-bottom:1px solid var(--line)}th:first-child,td:first-child{text-align:left}th{background:#e9efef;font-size:11px}.disclaimer{max-width:900px;font-size:12px;color:var(--muted);margin:20px 0 0}.method{margin-top:75px;padding:50px 0;display:grid;grid-template-columns:1fr 1.6fr;gap:80px;border-top:1px solid #cfd8da}.method>div>p:not(.eyebrow){font-size:15px;color:var(--muted);max-width:355px}.text-link{font-size:13px;font-weight:650;color:var(--teal);text-decoration:none}.method details{border-bottom:1px solid #cfd8da}.method summary{font-size:16px;font-weight:650;padding:16px 0}.method details p,.method details li{font-size:13px;color:var(--muted)}.method details p:first-of-type{margin-top:0}.method details a{color:var(--teal)}.about{background:#e8eeeb;padding:40px;border-radius:12px;margin:20px 0 60px;display:grid;grid-template-columns:1fr 1fr;gap:15px 50px}.about>.eyebrow{grid-column:1/-1}.about p{margin:0;color:var(--muted)}footer{border-top:1px solid #d7dfe1;display:flex;justify-content:space-between;gap:20px;padding:25px max(30px,calc((100vw - 1244px)/2));font-size:11px;color:var(--muted)}#error{color:#9e382d;font-size:12px;background:#fff1ed;padding:10px;border-radius:5px}.invalid .results{opacity:.45}.invalid #download{pointer-events:none;opacity:.4}@media(max-width:1320px){main{margin:0 38px}}@media(max-width:950px){.hero{gap:25px}.hero-art{padding:20px}.workspace{grid-template-columns:300px 1fr;gap:16px}form{padding:20px}.result-pair{gap:10px}.position{padding:15px}.position-title h3{font-size:12px}.position>strong{font-size:25px}.chart-head{display:block}.chart-head>span{display:block;margin-top:5px}.method{gap:35px}nav{gap:18px}.legend .chart-hint{display:none}}@media(max-width:720px){header{padding:18px 20px;align-items:flex-start}.brand{font-size:18px}.brand img{width:43px;height:43px}.brand small{font-size:9px}nav{gap:12px;font-size:12px}nav a:not(.youtube){display:none}.youtube{padding:7px 10px}main{margin:0 20px}.hero{grid-template-columns:1fr;padding:28px 0 40px}.hero h1{font-size:39px}.hero-art{display:none}.intro{font-size:16px}.hero-actions{gap:12px}.privacy{font-size:11px}.section-heading{align-items:flex-start;flex-direction:column;gap:16px}h2{font-size:28px}.workspace{grid-template-columns:1fr}form{padding:22px}.verdict{padding:22px}.result-pair{gap:12px}.position{padding:16px 12px}.position h3{font-size:12px}.position>strong{font-size:25px}.position dl div{display:block}.position dd{margin-top:2px}.chart-card{padding:16px}.breakdown{flex-direction:column}.breakdown details{width:100%}.method{grid-template-columns:1fr;gap:20px;margin-top:45px;padding:32px 0}.method>div>p:not(.eyebrow){max-width:none}.about{grid-template-columns:1fr;padding:25px;margin-bottom:35px}footer{flex-direction:column;padding:23px 20px;gap:8px}.legend{gap:17px}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
[hidden]{display:none!important}.calculator-tabs{display:flex;gap:10px;margin:0 0 28px;flex-wrap:wrap}.calculator-tabs button,.presets button{border:1px solid #cad5d8;background:white;border-radius:7px;padding:12px 18px;color:var(--navy);font-weight:650}.calculator-tabs [aria-selected="true"]{background:var(--teal);color:white;border-color:var(--teal)}.presets{display:flex;gap:7px;flex-wrap:wrap}.presets button{padding:7px 10px;font-size:13px}.presets button:hover{background:#eaf3f2}#op-chart{width:100%;display:block}#op-results .chart-card{margin-top:20px}#op-results .position>strong{font-size:27px}#op-results .position>p:last-child{font-size:13px;color:var(--muted)}#op-error{color:#9e382d;font-size:12px}
