:root{
  --surface-1:#fcfcfb; --page:#f9f9f7; --ink-1:#0b0b0b; --ink-2:#52514e;
  --muted:#898781; --grid:#e1e0d9; --baseline:#c3c2b7; --border:rgba(11,11,11,0.10);
  --series-1:#2a78d6; --series-2:#eb6834; --series-3:#1baf7a;
  --accent:#2a78d6; --accent-dark:#1c5cab; --pink:#e87ba4; --good:#006300;
  --radius:12px; font-size:16px;
}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:system-ui,-apple-system,"Segoe UI",sans-serif;background:var(--page);color:var(--ink-1);line-height:1.6}
a{color:var(--accent);text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
header{background:var(--surface-1);border-bottom:1px solid var(--border);position:sticky;top:0;z-index:50}
.topbar{display:flex;align-items:center;justify-content:space-between;height:64px;gap:16px}
.logo{display:flex;align-items:center;gap:10px;font-size:1.25rem;font-weight:700;color:var(--ink-1)}
.logo img{width:36px;height:36px}
.logo span{color:var(--accent)}
.topnav{display:flex;align-items:center;gap:4px;flex-wrap:wrap}
.topnav>a{padding:7px 12px;border-radius:999px;font-size:.88rem;color:var(--ink-2);white-space:nowrap}
.topnav>a:hover{background:var(--page);text-decoration:none;color:var(--accent)}
.topnav>a.active{background:var(--accent);color:#fff;font-weight:600}
.navmore{position:relative}
.navmore>button{padding:7px 12px;border-radius:999px;font-size:.88rem;color:var(--ink-2);background:none;border:none;cursor:pointer;white-space:nowrap}
.navmore>button:hover{background:var(--page);color:var(--accent)}
.navmore .menu{display:none;position:absolute;right:0;top:110%;background:var(--surface-1);border:1px solid var(--border);border-radius:12px;box-shadow:0 8px 24px rgba(0,0,0,.10);min-width:240px;padding:8px;z-index:60}
.navmore.open .menu{display:block}
.navmore .menu a{display:block;padding:9px 12px;border-radius:8px;font-size:.9rem;color:var(--ink-1)}
.navmore .menu a:hover{background:var(--page);text-decoration:none}
.hero{padding:36px 0 8px;text-align:center}
.hero h1{font-size:1.7rem;font-weight:700;letter-spacing:-.01em}
.hero p{color:var(--ink-2);max-width:640px;margin:8px auto 0;font-size:.98rem}
main{padding:24px 0 48px}
.grid{display:grid;grid-template-columns:minmax(300px,420px) 1fr;gap:24px;align-items:start}
@media(max-width:820px){.grid{grid-template-columns:1fr}}
.card{background:var(--surface-1);border:1px solid var(--border);border-radius:var(--radius);padding:22px}
.card h2{font-size:1.15rem;margin-bottom:14px}
.field{margin-bottom:16px}
.field label{display:block;font-size:.82rem;font-weight:600;color:var(--ink-2);margin-bottom:5px}
.field input,.field select{width:100%;padding:10px 12px;border:1px solid var(--baseline);border-radius:8px;font-size:1rem;background:#fff;color:var(--ink-1)}
.field input:focus,.field select:focus{outline:2px solid var(--accent);outline-offset:1px;border-color:var(--accent)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
input[type=range].slider{-webkit-appearance:none;appearance:none;width:100%;height:4px;border-radius:2px;background:var(--grid);margin-top:10px;padding:0;border:none;cursor:pointer}
input[type=range].slider::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:18px;height:18px;border-radius:50%;background:var(--accent);border:3px solid #fff;box-shadow:0 1px 4px rgba(0,0,0,.25);cursor:grab}
input[type=range].slider::-moz-range-thumb{width:14px;height:14px;border-radius:50%;background:var(--accent);border:3px solid #fff;box-shadow:0 1px 4px rgba(0,0,0,.25);cursor:grab}
.stat-hero{padding:18px 22px;border-radius:var(--radius);background:var(--surface-1);border:1px solid var(--border);margin-bottom:16px}
.stat-hero .label{font-size:.82rem;color:var(--ink-2);font-weight:600}
.stat-hero .value{font-size:2.1rem;font-weight:700;letter-spacing:-.02em;margin-top:2px}
.stat-hero .sub{font-size:.85rem;color:var(--muted);margin-top:2px}
.stat-row{display:grid;grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:12px;margin-bottom:16px}
.stat{background:var(--surface-1);border:1px solid var(--border);border-radius:var(--radius);padding:14px 16px}
.stat .label{font-size:.75rem;color:var(--ink-2);font-weight:600}
.stat .value{font-size:1.25rem;font-weight:700;margin-top:2px}
.chart-card{background:var(--surface-1);border:1px solid var(--border);border-radius:var(--radius);padding:18px;margin-bottom:16px;position:relative}
.chart-card h3{font-size:.95rem;margin-bottom:4px}
.chart-card .chart-sub{font-size:.8rem;color:var(--muted);margin-bottom:10px}
.legend{display:flex;gap:16px;flex-wrap:wrap;font-size:.8rem;color:var(--ink-2);margin-top:8px}
.legend .chip{display:inline-flex;align-items:center;gap:6px}
.legend .swatch{width:10px;height:10px;border-radius:3px;display:inline-block}
svg text{font-family:inherit}
.viz-tooltip{position:absolute;pointer-events:none;background:var(--ink-1);color:#fff;font-size:.78rem;padding:6px 10px;border-radius:8px;opacity:0;transition:opacity .1s;white-space:nowrap;z-index:10}
.ad-slot{background:repeating-linear-gradient(45deg,#f1f0ec,#f1f0ec 10px,#e9e8e2 10px,#e9e8e2 20px);border:1px dashed var(--baseline);border-radius:var(--radius);display:flex;align-items:center;justify-content:center;color:var(--muted);font-size:.78rem;font-weight:600;letter-spacing:.05em;text-transform:uppercase;margin:20px 0}
.ad-h{height:90px}
.ad-box{height:250px}
.seo-block{margin-top:28px;max-width:760px}
.seo-block h2{font-size:1.2rem;margin:22px 0 8px}
.seo-block h3{font-size:1rem;margin:16px 0 6px}
.seo-block p{color:var(--ink-2);font-size:.95rem;margin-bottom:10px}
.seo-block code{background:#f1f0ec;padding:1px 6px;border-radius:5px;font-size:.85em}
details.faq{border:1px solid var(--border);border-radius:10px;background:var(--surface-1);margin-bottom:8px}
details.faq summary{cursor:pointer;padding:12px 16px;font-weight:600;font-size:.92rem;list-style:none;display:flex;justify-content:space-between;align-items:center}
details.faq summary::after{content:"+";color:var(--muted);font-size:1.1rem}
details.faq[open] summary::after{content:"–"}
details.faq .faq-a{padding:0 16px 14px;color:var(--ink-2);font-size:.9rem}
.amort-toggle{margin:4px 0 12px;padding:9px 16px;border:1px solid var(--accent);background:var(--surface-1);color:var(--accent);border-radius:8px;font-size:.85rem;font-weight:600;cursor:pointer}
.amort-toggle:hover{background:#eef5fd}
.amort-wrap{overflow-x:auto;display:none}
.amort-wrap.visible{display:block}
.amort-wrap table{width:100%;border-collapse:collapse;font-size:.85rem;font-variant-numeric:tabular-nums}
.amort-wrap th{text-align:right;color:var(--muted);font-weight:600;padding:8px 10px;border-bottom:1px solid var(--baseline)}
.amort-wrap th:first-child,.amort-wrap td:first-child{text-align:left}
.amort-wrap td{text-align:right;padding:7px 10px;border-bottom:1px solid var(--grid);color:var(--ink-2)}
.amort-wrap tr:last-child td{border-bottom:none}
.calc-cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:16px;margin:24px 0}
.calc-card{background:var(--surface-1);border:1px solid var(--border);border-radius:var(--radius);padding:20px;display:block;color:var(--ink-1);transition:transform .12s, box-shadow .12s}
.calc-card:hover{text-decoration:none;transform:translateY(-2px);box-shadow:0 6px 18px rgba(0,0,0,.07);border-color:var(--accent)}
.calc-card .emoji{font-size:1.6rem}
.calc-card h3{font-size:1.02rem;margin:8px 0 4px}
.calc-card p{font-size:.85rem;color:var(--ink-2)}
.badge-row{display:flex;gap:8px;flex-wrap:wrap;justify-content:center;margin-top:14px;font-size:.78rem;color:var(--muted)}
.badge-row span{border:1px solid var(--border);background:var(--surface-1);border-radius:999px;padding:4px 12px}
.reminder-card{background:#eef5fd;border-color:#c7ddf5}
footer{background:var(--surface-1);border-top:1px solid var(--border);padding:28px 0;margin-top:20px}
footer .cols{display:flex;flex-wrap:wrap;gap:28px;justify-content:space-between;font-size:.85rem;color:var(--ink-2)}
footer h4{font-size:.8rem;text-transform:uppercase;letter-spacing:.05em;color:var(--muted);margin-bottom:8px}
footer ul{list-style:none}
footer li{margin-bottom:5px}
.disclaimer{font-size:.78rem;color:var(--muted);margin-top:14px;max-width:760px}
.static-page{max-width:760px}
.static-page h1{font-size:1.4rem;margin:24px 0 12px}
.static-page p{color:var(--ink-2);margin-bottom:10px;font-size:.95rem}