:root{--bg:#f4f7f5;--card:#fff;--ink:#15201b;--muted:#65716a;--line:#dfe6e1;--accent:#1f7a55;--accent-soft:#e7f3ed;--danger:#a33a3a;--danger-soft:#fbeaea;--shadow:0 18px 50px rgba(27,52,40,.08)}*{box-sizing:border-box}html{background:var(--bg);color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif}body{margin:0}main{max-width:1180px;margin:0 auto;padding:0 24px}.topbar{height:80px;display:flex;align-items:center;justify-content:space-between;border-bottom:1px solid var(--line)}.brand{font-weight:800;font-size:1.22rem;letter-spacing:-.03em}.brand span{color:var(--accent)}.badge{font-size:.82rem;color:var(--muted);border:1px solid var(--line);background:#fff;border-radius:999px;padding:8px 12px}.hero{padding:72px 0 38px;max-width:790px}.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:.76rem;font-weight:800;color:var(--accent);margin:0 0 14px}.hero h1{font-size:clamp(2.5rem,6vw,5.1rem);line-height:.98;letter-spacing:-.06em;margin:0}.lead{font-size:1.15rem;line-height:1.65;color:var(--muted);max-width:680px;margin:24px 0 0}.calculator{display:grid;grid-template-columns:minmax(0,1.45fr) minmax(330px,.8fr);grid-gap:22px;gap:22px;align-items:start}.panel{background:var(--card);border:1px solid var(--line);border-radius:22px;box-shadow:var(--shadow)}.form-panel{padding:30px}.results-panel{padding:28px;position:-webkit-sticky;position:sticky;top:20px}.form-toolbar{display:flex;align-items:center;justify-content:space-between;gap:14px;margin-bottom:22px}.mode-switch{display:inline-flex;padding:3px;background:#eef3f0;border:1px solid var(--line);border-radius:12px}.advanced-cta,.mode-switch button,.reset-button{font:inherit}.mode-switch button{border:0;background:transparent;color:var(--muted);padding:8px 13px;border-radius:9px;font-size:.78rem;font-weight:750;cursor:pointer}.mode-switch button.active{background:#fff;color:var(--ink);box-shadow:0 2px 8px rgba(24,47,36,.08)}.reset-button{border:0;background:transparent;color:var(--muted);font-size:.76rem;font-weight:700;cursor:pointer;padding:8px}.reset-button:hover{color:var(--accent)}.simple-note{background:#f7faf8;border:1px solid var(--line);border-radius:14px;padding:14px 16px;margin-bottom:25px}.simple-note strong{display:block;font-size:.82rem;margin-bottom:3px}.simple-note p{margin:0;color:var(--muted);font-size:.76rem;line-height:1.5}.section-title{display:flex;gap:14px;align-items:flex-start;margin:4px 0 22px}.section-title:not(:first-child){margin-top:38px;padding-top:32px;border-top:1px solid var(--line)}.section-title>span{width:30px;height:30px;border-radius:50%;display:grid;place-items:center;background:var(--accent-soft);color:var(--accent);font-weight:800;font-size:.84rem}.section-title h2{font-size:1rem;margin:0 0 4px}.section-title p{font-size:.86rem;color:var(--muted);margin:0}.grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));grid-gap:16px;gap:16px}.field{display:block;position:relative}.field-label{gap:6px;font-size:.82rem;font-weight:700;margin:0 0 7px;position:relative}.field-label,.input-wrap{display:flex;align-items:center}.input-wrap{border:1px solid var(--line);border-radius:12px;background:#fbfcfb;overflow:hidden;transition:.15s}.input-wrap:focus-within{border-color:var(--accent);box-shadow:0 0 0 3px var(--accent-soft)}.input-wrap input{width:100%;border:0;background:transparent;padding:13px 12px;font:inherit;color:var(--ink);outline:0}.input-wrap small{padding-right:12px;color:var(--muted);white-space:nowrap}.field-hint{display:block;margin-top:6px;color:var(--muted);font-size:.72rem;line-height:1.35}.help-button{position:relative;width:18px;height:18px;border-radius:50%;border:1px solid #b9c6be;background:#fff;color:var(--muted);font:700 11px/1 inherit;padding:0;display:grid;place-items:center;cursor:help;flex:0 0 auto}.help-button:focus,.help-button:hover{border-color:var(--accent);color:var(--accent);outline:none;box-shadow:0 0 0 3px var(--accent-soft)}.help-button:after{content:attr(data-help);z-index:50;bottom:calc(100% + 10px);transform:translateX(-50%) translateY(4px);width:290px;max-width:78vw;padding:11px 12px;border:1px solid rgba(255,255,255,.08);border-radius:11px;background:#142019;color:#fff;font-size:.75rem;font-weight:500;line-height:1.45;text-align:left;box-shadow:0 12px 32px rgba(12,31,21,.18);pointer-events:none;white-space:normal}.help-button:after,.help-button:before{position:absolute;left:50%;opacity:0;visibility:hidden;transition:.15s}.help-button:before{content:"";z-index:51;bottom:calc(100% + 4px);transform:translateX(-50%);border:6px solid transparent;border-top-color:#142019}.help-button:focus:after,.help-button:focus:before,.help-button:hover:after,.help-button:hover:before{opacity:1;visibility:visible}.help-button:focus:after,.help-button:hover:after{transform:translateX(-50%) translateY(0)}.advanced-cta{width:100%;margin-top:26px;border:1px dashed #b8c8bf;background:#f8fbf9;color:var(--accent);border-radius:12px;padding:12px 14px;font-size:.8rem;font-weight:800;cursor:pointer}.advanced-cta:hover{background:var(--accent-soft);border-color:var(--accent)}.results-kicker{text-transform:uppercase;letter-spacing:.11em;font-size:.7rem;font-weight:800;color:var(--muted);margin:0 0 12px}.result-summary{border:1px solid var(--line);border-radius:15px;padding:15px 16px;margin-bottom:14px}.result-summary.positive{background:#f4faf7;border-color:#cfe3d8}.result-summary.negative{background:#fdf5f5;border-color:#edcccc}.result-summary strong{display:block;font-size:.88rem;margin-bottom:5px}.result-summary.positive strong{color:var(--accent)}.result-summary.negative strong{color:var(--danger)}.result-summary p{margin:0;font-size:.78rem;line-height:1.5;color:var(--muted)}.result-summary b{color:var(--ink)}.cashflow{border-radius:16px;padding:19px;margin-bottom:20px}.cashflow.positive{background:var(--accent-soft);color:var(--accent)}.cashflow.negative{background:var(--danger-soft);color:var(--danger)}.cashflow span{font-size:.8rem;font-weight:700;display:block;margin-bottom:4px}.cashflow strong{font-size:2.3rem;letter-spacing:-.05em}.metric-row{display:grid;grid-template-columns:1fr 1fr;border-top:1px solid var(--line)}.metric-row>div{padding:16px 0}.metric-row>div+div{padding-left:18px;border-left:1px solid var(--line)}.metric-row span{display:block;font-size:.72rem;color:var(--muted);margin-bottom:4px}.metric-row strong{font-size:1.18rem}.breakdown,.future{margin-top:22px;padding-top:20px;border-top:1px solid var(--line)}.breakdown h3,.future h3{font-size:.9rem;margin:0 0 14px}.breakdown dl{margin:0}.breakdown dl div{display:flex;justify-content:space-between;gap:16px;padding:8px 0;font-size:.8rem}.breakdown dt{color:var(--muted)}.breakdown dd{margin:0;font-weight:700;text-align:right}.breakdown .total{border-top:1px dashed var(--line);margin-top:8px;padding-top:14px}.breakdown .total dd,.breakdown .total dt{color:var(--ink);font-weight:800}.future{background:#f8faf8;border:0;border-radius:14px;padding:16px;margin-top:22px}.future p{display:flex;justify-content:space-between;font-size:.8rem;color:var(--muted);margin:8px 0}.future strong{color:var(--ink)}.explain{padding:78px 0 56px}.explain>h2,.learn-section h2{font-size:2rem;letter-spacing:-.04em}.explain-grid{display:grid;grid-template-columns:repeat(4,1fr);grid-gap:16px;gap:16px}.explain article{border-top:2px solid var(--ink);padding-top:14px}.explain h3{font-size:.92rem}.explain p{font-size:.82rem;line-height:1.6;color:var(--muted)}.learn-section{padding:14px 0 70px}.learn-heading{display:flex;justify-content:space-between;gap:32px;align-items:end;margin-bottom:24px}.learn-heading h2{margin:0 0 10px}.learn-heading>div>p:last-child{margin:0;color:var(--muted);max-width:620px;line-height:1.6}.text-link{color:var(--accent);font-size:.82rem;font-weight:800;text-decoration:none;white-space:nowrap}.text-link:hover{text-decoration:underline}.learn-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));grid-gap:16px;gap:16px}.learn-card{display:block;text-decoration:none;color:var(--ink);background:#fff;border:1px solid var(--line);border-radius:18px;padding:22px;transition:transform .15s,border-color .15s,box-shadow .15s}.learn-card:hover{transform:translateY(-2px);border-color:#b9cabe;box-shadow:0 14px 32px rgba(27,52,40,.07)}.learn-card>span{display:block;text-transform:uppercase;letter-spacing:.1em;font-size:.66rem;font-weight:800;color:var(--accent);margin-bottom:10px}.learn-card h3{margin:0 0 9px;font-size:1rem;letter-spacing:-.02em}.learn-card p{margin:0;color:var(--muted);font-size:.8rem;line-height:1.55}.methodology-card{background:#f8faf8}footer{display:flex;justify-content:space-between;gap:40px;border-top:1px solid var(--line);padding:28px 0 50px;font-size:.78rem;color:var(--muted)}footer strong{color:var(--ink)}footer p{max-width:680px;margin:0;line-height:1.55}@media(max-width:900px){.calculator{grid-template-columns:1fr}.results-panel{position:static}.explain-grid{grid-template-columns:1fr 1fr}}@media(max-width:620px){main{padding:0 16px}.hero{padding-top:48px}.explain-grid,.grid,.learn-grid{grid-template-columns:1fr}.form-panel,.results-panel{padding:20px}.form-toolbar{align-items:flex-start}.reset-button{padding-top:9px}.metric-row{grid-template-columns:1fr}.metric-row>div+div{padding-left:0;border-left:0;border-top:1px solid var(--line)}.learn-heading{align-items:flex-start;flex-direction:column;gap:12px}.learn-section{padding-bottom:50px}footer{flex-direction:column;gap:12px}.help-button:after{left:0;transform:translateY(4px)}.help-button:focus:after,.help-button:hover:after{transform:translateY(0)}.help-button:before{left:8px;transform:none}}