:root{--ink:#172b35;--muted:#66767b;--teal:#0d5c63;--teal-dark:#08434a;--mint:#dff3eb;--cream:#fbfaf5;--line:#dce5e1;--coral:#e6765d;--white:#fff;--shadow:0 18px 50px rgba(23,43,53,.09)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--cream);color:var(--ink);font-family:Georgia,'Times New Roman',serif;font-size:16px;line-height:1.6}a{color:inherit;text-decoration:none}button,input,select{font:inherit}button{cursor:pointer}.wrap{width:min(1120px,calc(100% - 32px));margin-inline:auto}.site-header{height:76px;background:var(--cream);display:flex;align-items:center;justify-content:space-between;padding:0 max(16px,calc((100% - 1120px)/2));border-bottom:1px solid rgba(220,229,225,.8)}.brand{display:inline-flex;align-items:center;gap:9px;font-family:Arial,sans-serif;font-size:1.25rem;font-weight:800;letter-spacing:-.03em}.brand-mark{display:grid;place-items:center;width:31px;height:31px;border-radius:9px;background:var(--coral);color:#fff;font-size:1.1rem}.brand-muted{color:var(--teal);font-weight:400}.site-header nav{display:flex;align-items:center;gap:25px;font-family:Arial,sans-serif;font-size:.83rem}.site-header nav a:first-child,.site-header nav a:nth-child(2){display:none}.nav-button{background:var(--teal);border-radius:6px;padding:9px 14px;color:#fff;font-weight:700}.hero{padding:72px 0 42px;max-width:820px;margin-left:max(16px,calc((100% - 1120px)/2))}.eyebrow{margin:0 0 11px;color:var(--coral);font:700 .7rem/1.2 Arial,sans-serif;letter-spacing:.14em}.hero h1{margin:0;max-width:700px;font-size:clamp(2.4rem,7vw,4.5rem);line-height:1.02;letter-spacing:-.055em;font-weight:500}.hero-copy{max-width:630px;margin:22px 0;color:var(--muted);font-size:1.14rem}.trust-row{display:flex;gap:20px;flex-wrap:wrap;color:var(--teal);font:700 .8rem Arial,sans-serif}.calculator-shell{display:grid;grid-template-columns:minmax(0,1.5fr) minmax(250px,.65fr);background:#fff;border:1px solid var(--line);box-shadow:var(--shadow);border-radius:12px;overflow:hidden}.calculator-main{padding:32px}.calculator-aside{background:var(--teal);color:#fff;padding:34px 28px}.section-heading{display:flex;align-items:start;justify-content:space-between;gap:15px}.section-heading h2,.guide-content h2{margin:0;font-size:1.75rem;line-height:1.15;letter-spacing:-.035em;font-weight:500}.text-button{border:0;background:transparent;color:var(--muted);font:700 .8rem Arial,sans-serif;padding:4px 0}.mode-switch{display:grid;grid-template-columns:1fr 1fr;background:#f0f4f1;border-radius:7px;padding:4px;margin:27px 0}.mode-button{border:0;background:transparent;border-radius:5px;padding:11px;color:var(--muted);font-weight:700}.mode-button.active{background:#fff;color:var(--teal);box-shadow:0 2px 9px rgba(23,43,53,.1)}.field-grid{display:grid;grid-template-columns:1.3fr 1fr;gap:16px}.field{display:block;font:700 .85rem Arial,sans-serif;color:var(--ink)}.input-wrap{display:flex;align-items:center;border:1px solid #c8d6d1;border-radius:6px;margin-top:7px;height:50px;padding-left:13px;color:var(--muted)}.input-wrap input{border:0;outline:0;width:100%;height:100%;padding:0 8px;font-size:1.15rem;color:var(--ink);background:transparent}.input-wrap:focus-within,select:focus{border-color:var(--teal);box-shadow:0 0 0 3px rgba(13,92,99,.12)}.input-clear{border:0;background:transparent;color:var(--muted);font-size:1.3rem;margin-right:9px}.field select{width:100%;height:50px;border:1px solid #c8d6d1;border-radius:6px;margin-top:7px;padding:0 12px;background:#fff;color:var(--ink)}.field small{display:block;color:var(--muted);font:400 .72rem Arial,sans-serif;margin-top:5px}.transaction-type{border:0;margin:27px 0 23px;padding:0;display:flex;gap:22px;flex-wrap:wrap;font:700 .84rem Arial,sans-serif}.transaction-type legend{width:100%;color:var(--muted);font-weight:400;margin-bottom:7px}.transaction-type label{display:flex;align-items:center;gap:6px}.transaction-type input{accent-color:var(--teal)}.transaction-type label span{color:var(--muted);font-weight:400}.result-card{background:var(--mint);border-radius:8px;padding:22px}.result-label{color:var(--teal);font:700 .75rem Arial,sans-serif}.total{font-size:2.25rem;line-height:1.15;letter-spacing:-.04em;margin:3px 0 18px}.result-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;border-top:1px solid rgba(13,92,99,.18);padding-top:15px}.result-grid span{display:block;color:var(--muted);font:400 .73rem Arial,sans-serif}.result-grid strong{display:block;margin-top:2px;font-size:1rem}.result-actions{display:flex;gap:9px;margin-top:20px}.outline-button,.share-button{border:1px solid #a9c6bb;border-radius:5px;padding:9px 13px;background:#fff;color:var(--teal);font:700 .78rem Arial,sans-serif}.share-button{background:var(--teal);border-color:var(--teal);color:#fff}.aside-kicker{font:700 .7rem Arial,sans-serif;letter-spacing:.13em;opacity:.72}.rate-grid{display:grid;grid-template-columns:1fr 1fr;gap:9px;margin:28px 0}.rate-grid a{display:block;border:1px solid rgba(255,255,255,.35);padding:14px 12px;border-radius:5px;font-size:1.4rem;line-height:1}.rate-grid a:hover{background:rgba(255,255,255,.12)}.rate-grid small{display:block;font:400 .68rem Arial,sans-serif;line-height:1.3;margin-top:7px;opacity:.75}.aside-note{font-size:.88rem;opacity:.8}.ad-slot{display:grid;place-items:center;color:#9ca8a4;font:700 .62rem Arial,sans-serif;letter-spacing:.12em}.ad-top{height:72px;border-bottom:1px solid var(--line);background:#f8f8f3}.ad-mid{height:92px;margin-top:28px;border-block:1px solid var(--line)}.content-layout{display:grid;grid-template-columns:minmax(0,1fr) 280px;gap:72px;padding-top:72px}.guide-content{max-width:720px}.guide-content h2{font-size:2.25rem;margin-bottom:18px}.guide-content h3{font-size:1.35rem;margin:36px 0 8px}.guide-content p{color:#526369}.formula-grid{display:grid;grid-template-columns:1fr 1fr;gap:13px;margin:23px 0}.formula-grid div{border-left:3px solid var(--coral);background:#fff;padding:17px}.formula-grid span{display:block;font:700 .78rem Arial,sans-serif;color:var(--teal);margin-bottom:8px}.formula-grid code{font:400 .79rem/1.7 Consolas,monospace;color:var(--ink)}.ad-content{height:90px;margin:35px 0;background:#f2f3ed}.link-list{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:26px 0 52px}.link-list a{background:#fff;border:1px solid var(--line);border-radius:6px;padding:15px}.link-list a:hover,.rail-card a:hover{border-color:var(--teal)}.link-list span,.link-list small{display:block}.link-list span{font-weight:700;color:var(--teal)}.link-list small{font:400 .72rem Arial,sans-serif;color:var(--muted);margin-top:3px}.guide-content details{border-top:1px solid var(--line);padding:15px 0}.guide-content details:last-child{border-bottom:1px solid var(--line)}summary{font-weight:700;cursor:pointer}.guide-content details p{margin:10px 0 0;font-size:.93rem}.right-rail{padding-top:11px}.rail-card{background:#fff;border:1px solid var(--line);padding:23px;border-radius:7px}.rail-card a{display:block;color:var(--teal);font-weight:700;padding:12px 0;border-bottom:1px solid var(--line);font-size:.9rem}.ad-rail{height:280px;background:#f3f4ef;margin-top:25px}.ad-footer{height:90px;margin:35px auto 0;background:rgba(255,255,255,.05);width:min(728px,calc(100% - 32px))}footer{margin-top:90px;background:var(--teal-dark);color:#fff;padding:40px 0 18px}.footer-inner{display:flex;justify-content:space-between;gap:30px}.footer-inner .brand-muted{color:#b7ddd0}.footer-inner p{color:rgba(255,255,255,.65);font-size:.8rem}.footer-links{display:flex;gap:20px;font:400 .8rem Arial,sans-serif;align-items:start}.copyright{text-align:center;color:rgba(255,255,255,.45);font:400 .7rem Arial,sans-serif;margin:28px 0 0}@media(max-width:720px){.site-header{height:68px}.site-header nav a:first-child,.site-header nav a:nth-child(2){display:none}.hero{padding-top:52px}.hero h1{font-size:2.8rem}.calculator-shell,.content-layout{display:block}.calculator-main{padding:23px 17px}.calculator-aside{padding:25px 18px}.field-grid,.formula-grid,.link-list{grid-template-columns:1fr}.content-layout{padding-top:50px}.right-rail{display:none}.guide-content h2{font-size:1.9rem}.footer-inner{display:block}.footer-links{margin-top:25px;flex-wrap:wrap}.ad-top{height:55px}.trust-row{gap:10px 16px}.result-actions{flex-wrap:wrap}}