@font-face { font-family: "Inter"; font-style: normal; font-weight: 400; font-display: swap; src: url("../fonts/inter-latin-400-normal.woff2") format("woff2"); }
@font-face { font-family: "Inter"; font-style: normal; font-weight: 500; font-display: swap; src: url("../fonts/inter-latin-500-normal.woff2") format("woff2"); }
@font-face { font-family: "Inter"; font-style: normal; font-weight: 600; font-display: swap; src: url("../fonts/inter-latin-600-normal.woff2") format("woff2"); }
@font-face { font-family: "Plus Jakarta Sans"; font-style: normal; font-weight: 600; font-display: swap; src: url("../fonts/plus-jakarta-sans-latin-600-normal.woff2") format("woff2"); }
@font-face { font-family: "Plus Jakarta Sans"; font-style: normal; font-weight: 700; font-display: swap; src: url("../fonts/plus-jakarta-sans-latin-700-normal.woff2") format("woff2"); }
@font-face { font-family: "Plus Jakarta Sans"; font-style: normal; font-weight: 800; font-display: swap; src: url("../fonts/plus-jakarta-sans-latin-800-normal.woff2") format("woff2"); }

:root {
    --navy: #0b2540;
    --navy-2: #133a61;
    --ink: #0f2a44;
    --text: #253445;
    --muted: #5b6b7c;
    --white: #ffffff;
    --soft: #f5f7fa;
    --blue-soft: #eaf1f8;
    --line: #e2e8f0;
    --line-strong: #cbd5e1;
    --accent: #0f9d6b;
    --accent-dark: #0b7a53;
    --accent-soft: #e6f6ef;
    --error: #b42318;
    --radius: 12px;
    --shadow: 0 1px 2px rgba(15, 42, 68, 0.06), 0 8px 24px rgba(15, 42, 68, 0.08);
    --wrap: 1180px;
    --prose: 100%;
    --heading: "Plus Jakarta Sans", "Inter", system-ui, sans-serif;
    --sans: "Inter", system-ui, -apple-system, "Segoe UI", Arial, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
[hidden] { display: none !important; }
html { -webkit-text-size-adjust: 100%; }
body { margin: 0; font-family: var(--sans); font-size: 16.5px; line-height: 1.65; color: var(--text); background: var(--white); }
img { max-width: 100%; height: auto; }
a { color: var(--accent-dark); text-underline-offset: 2px; }
a:hover { color: var(--ink); }
h1, h2, h3 { font-family: var(--heading); font-weight: 700; line-height: 1.2; letter-spacing: -0.01em; color: var(--ink); }
h1 { font-size: clamp(30px, 4vw, 40px); margin: 0 0 8px; }
h2 { font-size: 30px; margin: 20px 0; }
h3 { font-size: 19px; margin: 18px 0 8px; }
p { margin: 0 0 14px; }
:focus-visible { outline: 3px solid var(--accent); outline-offset: 2px; }

.wrap { width: 100%; max-width: var(--wrap); margin: 0 auto; padding: 0 20px; }
.skip-link { position: absolute; left: -9999px; }
.skip-link:focus { left: 16px; top: 16px; background: var(--white); padding: 8px 12px; z-index: 30; }

.site-header { background: var(--white); border-bottom: 1px solid var(--line); position: relative; z-index: 20; }
.header-inner { display: flex; align-items: center; justify-content: space-between; min-height: 64px; gap: 24px; }
.logo { display: inline-flex; align-items: center; text-decoration: none; flex: none; }
.logo img { display: block; height: 38px; width: auto; }
.main-nav ul, .mobile-nav ul { list-style: none; margin: 0; padding: 0; }
.main-nav ul { display: flex; gap: 28px; }
.main-nav a { color: var(--muted); text-decoration: none; font-size: 15px; font-weight: 500; }
.main-nav a:hover, .main-nav a[aria-current="page"] { color: var(--ink); }
.mobile-nav { display: none; position: relative; }
.mobile-nav summary { list-style: none; cursor: pointer; display: flex; align-items: center; gap: 8px; font-size: 15px; font-weight: 500; padding: 8px 0; color: var(--ink); }
.mobile-nav summary::-webkit-details-marker { display: none; }
.burger, .burger::before, .burger::after { display: block; width: 18px; height: 2px; background: var(--ink); position: relative; }
.burger::before, .burger::after { content: ""; position: absolute; left: 0; }
.burger::before { top: -6px; }
.burger::after { top: 6px; }
.mobile-nav ul { position: absolute; right: 0; top: 44px; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 8px; min-width: 220px; box-shadow: var(--shadow); }
.mobile-nav li a { display: block; padding: 10px 12px; color: var(--ink); text-decoration: none; border-radius: 8px; }
.mobile-nav li a:hover { background: var(--soft); }

.hero { background: linear-gradient(135deg, var(--navy) 0%, var(--navy-2) 100%); color: #d6e2ee; padding: 35px 0; }
.hero-inner { display: flex; align-items: stretch; justify-content: space-between; gap: 32px; }
.hero-text { align-self: flex-end; padding-top: 8px; }
.hero-side { display: flex; flex-direction: column; align-items: flex-end; justify-content: space-between; gap: 16px; flex: none; }
.hero-side .breadcrumbs ol { justify-content: flex-end; flex-wrap: nowrap; white-space: nowrap; margin: 0; }
.hero h1 { color: var(--white); }
.hero .lead { font-size: 17px; color: #c3d3e3; max-width: 640px; margin: 0; }
.hero .breadcrumbs, .hero .breadcrumbs a { color: #9fb4c9; }
.hero .breadcrumbs a:hover { color: var(--white); }
.hero-rates { list-style: none; margin: 0; padding: 0; display: flex; gap: 10px; flex: none; text-align: center; }
.hero-rates li { background: rgba(255, 255, 255, 0.08); border: 1px solid rgba(255, 255, 255, 0.14); border-radius: 10px; padding: 10px 14px; min-width: 104px; }
.hero-rates strong { display: block; color: var(--white); font-family: var(--heading); font-weight: 800; font-size: 22px; line-height: 1.2; }
.hero-rates span { font-size: 13px; color: #a9bdd1; }

.breadcrumbs ol { list-style: none; display: flex; flex-wrap: wrap; gap: 6px; margin: 0 0 12px; padding: 0; font-size: 13.5px; color: var(--muted); }
.breadcrumbs li { display: inline-flex; align-items: center; }
.breadcrumbs li + li::before { content: "›"; margin: 0 9px 0 3px; }
.breadcrumbs a { color: inherit; text-decoration: none; }
.breadcrumbs a:hover { text-decoration: underline; }

.tool-section { background: var(--soft); padding: 28px 0 40px; border-bottom: 1px solid var(--line); }
.tool-grid { display: grid; grid-template-columns: 1fr; gap: 20px; align-items: stretch; }
@media (min-width: 900px) {
    .tool-grid { grid-template-columns: minmax(0, 1.6fr) minmax(0, 1fr); }
}

.card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px 24px; box-shadow: var(--shadow); }
.field { margin-bottom: 16px; }
.field label { display: block; font-weight: 600; font-size: 14.5px; margin-bottom: 6px; color: var(--ink); }
.hint { display: block; font-size: 13px; color: var(--muted); margin-top: 6px; line-height: 1.5; }
.field-gap { margin: -8px 0 14px; }
.field-row { display: grid; grid-template-columns: 1.4fr 1fr; gap: 12px; align-items: end; }
.field-row .field { margin-bottom: 14px; }
input[type="number"], input[type="date"], input[type="text"], select {
    width: 100%; font: inherit; font-size: 16px; color: var(--ink);
    padding: 10px 12px; border: 1px solid var(--line-strong); border-radius: 8px; background: var(--white); height: 46px;
}
select { appearance: none; background-image: linear-gradient(45deg, transparent 50%, var(--muted) 50%), linear-gradient(135deg, var(--muted) 50%, transparent 50%); background-position: calc(100% - 18px) 20px, calc(100% - 13px) 20px; background-size: 5px 5px; background-repeat: no-repeat; padding-right: 34px; }
select:disabled { background-color: var(--soft); color: var(--muted); }
input:focus, select:focus { border-color: var(--accent); outline: none; box-shadow: 0 0 0 3px var(--accent-soft); }
.money-field { display: flex; align-items: center; height: 46px; border: 1px solid var(--line-strong); border-radius: 8px; background: var(--white); padding: 0 12px; cursor: text; }
.money-field:focus-within { border-color: var(--accent); box-shadow: 0 0 0 3px var(--accent-soft); }
.money-symbol, .money-field input { font-family: var(--heading); font-weight: 700; font-size: 18px; color: var(--ink); }
.money-symbol { flex: none; line-height: 1; margin-right: 2px; }
.money-field input { flex: 1; min-width: 0; height: 100%; border: 0; padding: 0; background: transparent; box-shadow: none; font-variant-numeric: tabular-nums; }
.money-field input:focus { box-shadow: none; outline: none; }
.money-field-lg { height: 60px; padding: 0 16px; }
.money-field-lg .money-symbol, .money-field-lg input { font-size: 26px; font-weight: 800; letter-spacing: -0.01em; }
.advanced { border-top: 1px solid var(--line); padding-top: 12px; }
.advanced summary { cursor: pointer; font-weight: 600; font-size: 14px; color: var(--accent-dark); }
.advanced[open] summary { margin-bottom: 14px; }
.check { display: flex; gap: 10px; align-items: flex-start; font-size: 14.5px; margin-bottom: 14px; cursor: pointer; }
.check input { margin-top: 4px; width: 16px; height: 16px; accent-color: var(--accent); }
.form-error { background: #fdecea; color: var(--error); border-radius: 8px; padding: 10px 12px; font-size: 14.5px; margin-bottom: 14px; }

.result-card { padding: 0; overflow: hidden; border-color: #bfe6d5; }
.result-head { background: var(--accent-soft); padding: 16px 24px 12px; border-bottom: 1px solid #cdeedd; }
.result-label { font-size: 12.5px; font-weight: 600; color: var(--accent-dark); text-transform: uppercase; letter-spacing: 0.06em; }
.result-main { font-family: var(--heading); font-weight: 800; letter-spacing: -0.03em; font-size: clamp(36px, 5vw, 46px); line-height: 1.1; margin-top: 4px; color: var(--ink); font-variant-numeric: tabular-nums; }
.result-list { display: grid; grid-template-columns: 1fr auto; gap: 4px 16px; margin: 0; padding: 12px 24px 12px; font-size: 15px; }
.result-list dt { color: var(--muted); }
.result-row { display: contents; }
.result-row[hidden] { display: none; }
.result-list dd { margin: 0; font-weight: 600; text-align: right; color: var(--ink); font-variant-numeric: tabular-nums; }
.steps { margin: 0 24px 14px; background: var(--soft); border: 1px solid var(--line); border-radius: 8px; padding: 9px 14px; font-size: 14px; line-height: 1.55; }
.steps p { margin: 0 0 6px; }
.steps p:last-child { margin: 0; }
.steps-title { font-weight: 600; font-size: 13px; text-transform: uppercase; letter-spacing: 0.05em; color: var(--muted); cursor: pointer; }
.steps[open] .steps-title { margin-bottom: 6px; }

.band { padding: 48px 0; }
.band-white { background: var(--white); }
.band-soft { background: var(--soft); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.band-blue { background: var(--blue-soft); }
.band > .wrap > h2:first-child, .band .split h2:first-child { margin-top: 0; }

.content > * { max-width: var(--prose); }
.intro-text { font-size: 17.5px; color: var(--ink); margin-bottom: 28px; }
.split { display: grid; grid-template-columns: 1fr; gap: 32px; margin-bottom: 8px; }
.split > * { min-width: 0; }
@media (min-width: 900px) {
    .split { grid-template-columns: 1fr 1fr; gap: 48px; }
}

table { width: 100%; border-collapse: collapse; margin: 6px 0 16px; font-size: 15px; background: var(--white); border: 1px solid var(--line); border-radius: 10px; overflow: hidden; }
th, td { padding: 10px 14px; text-align: left; border-bottom: 1px solid var(--line); vertical-align: top; }
th { background: var(--navy); color: var(--white); font-weight: 600; font-size: 14px; }
tbody tr:nth-child(even) td { background: #fafbfc; }
tbody tr:last-child td { border-bottom: 0; }
.num { text-align: right; font-variant-numeric: tabular-nums; }
.table-scroll { overflow-x: auto; }
.note { font-size: 14px; color: var(--muted); }

.step-cards { list-style: none; padding: 0; margin: 8px 0 28px; display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 16px; }
.step-cards li { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 20px; position: relative; }
.step-cards h3 { margin-top: 10px; }
.step-cards p { margin: 0; font-size: 15px; }
.step-num { display: inline-grid; place-items: center; width: 30px; height: 30px; border-radius: 50%; background: var(--navy); color: var(--white); font-weight: 600; font-size: 14px; }

.example { background: var(--white); border: 1px solid var(--line); border-left: 4px solid var(--accent); border-radius: var(--radius); padding: 18px 20px; }
.example h3 { margin: 2px 0 8px; }
.example p:last-child { margin: 0; }
.example-tag { font-size: 12.5px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.06em; color: var(--accent-dark); margin: 0; }
.band-soft .split { margin-bottom: 28px; }

.callout { background: var(--navy); color: #d6e2ee; border-radius: var(--radius); padding: 20px 22px; margin-top: 20px; }
.callout h3 { color: var(--white); margin-top: 0; }
.callout a { color: #6ee7b7; }
.callout p:last-child { margin: 0; }

.tip-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 16px; margin: 8px 0 18px; }
@media (max-width: 900px) {
    .tip-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (max-width: 560px) {
    .tip-grid { grid-template-columns: 1fr; }
}
.tip { background: var(--white); border: 1px solid #d6e3ef; border-radius: var(--radius); padding: 18px 20px; }
.tip h3 { margin: 0 0 6px; font-size: 17px; }
.tip p { margin: 0; font-size: 15px; }
.tip-accent { background: var(--navy); border-color: var(--navy); }
.tip-accent h3 { color: var(--white); }
.tip-accent p { color: #d6e2ee; }
.tip-accent a { color: #6ee7b7; }

.section-head { text-align: center; max-width: 680px; margin: 0 auto 28px; }
.section-head h2 { margin: 0 0 8px; }
.section-head p { margin: 0; color: var(--muted); font-size: 17px; }
.faq-layout .faq { max-width: 880px; margin: 0 auto; }
.faq details { background: var(--white); border: 1px solid var(--line); border-radius: 10px; margin-bottom: 10px; }
.faq details[open] { border-color: var(--line-strong); box-shadow: var(--shadow); }
.faq summary { cursor: pointer; padding: 15px 48px 15px 18px; font-weight: 600; list-style: none; position: relative; color: var(--ink); }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 18px; top: 12px; font-size: 22px; color: var(--accent-dark); }
.faq details[open] summary::after { content: "–"; }
.faq .answer { padding: 0 18px 14px; }
.faq .answer p:last-child { margin: 0; }

.related { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 14px; margin-bottom: 32px; }
.related a { display: block; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 16px 18px; text-decoration: none; color: var(--ink); font-weight: 600; transition: border-color 0.15s, box-shadow 0.15s; }
.related a span { display: block; font-weight: 400; color: var(--muted); font-size: 14px; margin-top: 2px; }
.related a:hover { border-color: var(--accent); box-shadow: var(--shadow); }

.page-meta { display: grid; grid-template-columns: 1fr; gap: 20px; border-top: 1px solid var(--line-strong); padding-top: 20px; font-size: 14px; color: var(--muted); }
@media (min-width: 900px) {
    .page-meta { grid-template-columns: 1fr 2fr; gap: 48px; }
}
.meta-title { font-weight: 600; color: var(--ink); margin-bottom: 6px; }
.sources { padding-left: 18px; margin: 0; }

.ad-slot { min-height: 280px; margin: 28px 0 0; }

.site-footer { background: var(--navy); color: #c9d4de; padding: 48px 0 28px; font-size: 15px; }
.site-footer a { color: #e6edf3; text-decoration: none; }
.site-footer a:hover { text-decoration: underline; }
.logo-light { color: var(--white); }
.footer-grid { display: grid; grid-template-columns: 1.4fr repeat(3, 1fr); gap: 32px; }
.footer-brand p { margin-top: 14px; max-width: 300px; }
.footer-heading { font-family: var(--sans); font-weight: 700; font-size: 13px; line-height: 1.2; text-transform: uppercase; letter-spacing: 0.06em; color: #8fa3b5; margin: 0 0 12px; }
.site-footer ul { list-style: none; margin: 0; padding: 0; }
.site-footer li { margin-bottom: 8px; }
.footer-bottom { border-top: 1px solid #23415f; margin-top: 36px; padding-top: 18px; font-size: 13.5px; color: #8fa3b5; }
.footer-bottom p { margin: 0 0 4px; }

@media (max-width: 980px) {
    .hero-rates { display: none; }
    .hero-inner { flex-direction: column-reverse; gap: 10px; }
    .hero-side { align-items: flex-start; }
    .hero-side .breadcrumbs ol { justify-content: flex-start; flex-wrap: wrap; white-space: normal; }
    .hero-text { padding-top: 0; }
}
@media (max-width: 860px) {
    .main-nav { display: none; }
    .mobile-nav { display: block; }
    .footer-grid { grid-template-columns: 1fr 1fr; }
    .footer-brand { grid-column: 1 / -1; }
}
@media (max-width: 560px) {
    body { font-size: 16px; }
    .hero { padding: 14px 0 22px; }
    .tool-section { padding-top: 20px; }
    .hero .lead { font-size: 15.5px; }
    .card { padding: 18px; }
    .result-head, .result-list { padding-left: 18px; padding-right: 18px; }
    .steps { margin: 0 18px 18px; }
    .field-row { grid-template-columns: 1fr 1fr; gap: 10px; }
    .band { padding: 36px 0; }
    .footer-grid { grid-template-columns: 1fr; }
}

.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0, 0, 0, 0); white-space: nowrap; border: 0; }
.field-row-even { grid-template-columns: 1fr 1fr; }
@media (max-width: 480px) { .field-row-money { grid-template-columns: 1fr; gap: 0; } }

.mode-switch { display: flex; gap: 4px; border: 0; padding: 4px; margin: 0 0 16px; background: var(--soft); border-radius: 10px; border: 1px solid var(--line); }
.mode-switch label { flex: 1; position: relative; cursor: pointer; }
.mode-switch input { position: absolute; opacity: 0; inset: 0; margin: 0; cursor: pointer; }
.mode-switch span { display: block; text-align: center; padding: 7px 10px; border-radius: 7px; font-size: 14px; font-weight: 600; color: var(--muted); transition: background 0.15s, color 0.15s; }
.mode-switch input:checked + span { background: var(--white); color: var(--ink); box-shadow: 0 1px 3px rgba(15, 42, 68, 0.12); }
.mode-switch input:focus-visible + span { outline: 3px solid var(--accent); outline-offset: 1px; }

.result-sub { font-size: 14.5px; color: var(--accent-dark); font-weight: 600; margin-top: 2px; }
.result-actions { display: flex; flex-wrap: wrap; gap: 8px; padding: 0 24px; }
.btn-ghost { font: inherit; font-size: 12px; font-weight: 600; color: var(--ink); background: var(--white); border: 1px solid var(--line-strong); border-radius: 8px; padding: 7px 12px; cursor: pointer; min-height: 38px; transition: border-color 0.15s, background 0.15s; }
.btn-ghost:hover { border-color: var(--accent); background: var(--accent-soft); }
.btn-pdf { display: inline-flex; align-items: center; gap: 6px; background: var(--accent-dark); border-color: var(--accent-dark); color: var(--white); }
.btn-pdf:hover { background: var(--navy); border-color: var(--navy); color: var(--white); }
.btn-pdf[aria-busy="true"] { opacity: 0.75; cursor: progress; }
.result-actions { display: grid; grid-template-columns: 1fr 1fr 1.3fr; }
.result-actions .btn-ghost { justify-content: center; }
.result-actions.result-actions-two { grid-template-columns: 1fr 1.3fr; }
.eligibility { border: 0; margin: 14px 0 0; padding: 14px 0 0; border-top: 1px solid var(--line); min-width: 0; }
.eligibility legend { float: left; width: 100%; padding: 0; margin-bottom: 8px; font-weight: 600; font-size: 14px; color: var(--ink); }
.eligibility .check { clear: both; }
.formula { display: inline-block; margin: 4px 0 16px; padding: 14px 20px; border-radius: 10px; background: var(--white); border: 1px solid var(--line); font-family: var(--heading); font-weight: 700; font-size: 20px; color: var(--ink); }
.btn-ghost[aria-busy="true"] { opacity: 0.75; cursor: progress; }
.btn-link { font: inherit; font-size: 14px; color: var(--accent-dark); background: none; border: 0; padding: 4px 0; cursor: pointer; text-decoration: underline; text-underline-offset: 2px; }
.action-status { min-height: 18px; margin: 4px 24px 0; font-size: 13.5px; color: var(--accent-dark); }
.embed-box .action-status { margin: 0 0 0 10px; }
.trust-line { display: flex; gap: 8px; align-items: flex-start; margin: 4px 0 0; padding: 10px 24px 12px; border-top: 1px solid var(--line); background: #fbfcfd; font-size: 13px; color: var(--muted); line-height: 1.5; }
.trust-line svg { flex: none; margin-top: 1px; color: var(--accent); }
.trust-line a { color: var(--accent-dark); font-weight: 600; }

.tool-chart { margin-top: 20px; }
.card h2 { font-size: 21px; margin: 0 0 4px; }
.card-sub { color: var(--muted); font-size: 14.5px; margin: 0 0 14px; }
.chart svg { display: block; width: 100%; height: auto; font-family: var(--sans); }
.chart-legend { list-style: none; display: flex; flex-wrap: wrap; gap: 6px 20px; margin: 10px 0 0; padding: 0; font-size: 13.5px; color: var(--muted); }
.chart-legend li { display: inline-flex; align-items: center; gap: 8px; }
.key { display: inline-block; flex: none; }
.key-line { width: 18px; height: 3px; border-radius: 2px; background: var(--navy); }
.key-band { width: 14px; height: 14px; border-radius: 3px; background: var(--accent-soft); border: 1px solid #bfe6d5; }
.key-dot { width: 12px; height: 12px; border-radius: 50%; background: var(--accent); }
.planner-out { background: var(--accent-soft); border: 1px solid #cdeedd; border-radius: 10px; padding: 14px 16px; margin-bottom: 12px; }
.planner-saving { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; margin: 0 0 6px; }
.planner-saving span { font-size: 12.5px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.06em; color: var(--accent-dark); }
.planner-saving strong { font-family: var(--heading); font-weight: 800; font-size: 28px; color: var(--ink); font-variant-numeric: tabular-nums; }
#ct-planner-text { margin: 0; font-size: 14.5px; line-height: 1.55; }
.result-planner { border-top: 1px solid var(--line); padding: 18px 24px 22px; }
.planner-title { font-size: 18px; margin: 0 0 4px; }
.planner-sub { color: var(--muted); font-size: 14px; line-height: 1.5; margin: 0 0 14px; }
.result-planner .field { margin-bottom: 12px; }
.result-planner .planner-saving strong { font-size: 24px; }
.result-planner .note { margin: 0; font-size: 13px; }
.scenarios-card { margin-top: 20px; }
.scenarios-head { display: flex; justify-content: space-between; align-items: center; gap: 12px; margin-bottom: 12px; }
.scenarios-card table { margin: 0; }
.scenarios-card td { white-space: nowrap; }

.first-period { margin-top: 40px; }
.example-wide { margin: 18px 0 14px; }
.example-wide table { margin: 12px 0 14px; }
.total-row td { font-weight: 700; background: var(--accent-soft) !important; color: var(--ink); border-top: 2px solid #bfe6d5; }

.check-list, .cross-list { list-style: none; padding: 0; margin: 0 0 20px; }
.check-list li, .cross-list li { position: relative; padding-left: 30px; margin-bottom: 9px; }
.check-list li::before, .cross-list li::before { position: absolute; left: 0; top: 2px; width: 20px; height: 20px; border-radius: 50%; display: grid; place-items: center; font-size: 12px; font-weight: 700; line-height: 1; }
.check-list li::before { content: "✓"; background: var(--accent-soft); color: var(--accent-dark); }
.cross-list li::before { content: "✕"; background: #fdecea; color: var(--error); font-size: 11px; }
.mistakes { counter-reset: mistake; display: grid; gap: 10px; }
.mistake { counter-increment: mistake; position: relative; background: var(--white); border: 1px solid var(--line); border-radius: 10px; padding: 14px 16px 14px 56px; }
.mistake::before { content: counter(mistake); position: absolute; left: 16px; top: 14px; width: 28px; height: 28px; border-radius: 50%; background: #fff4e5; color: #9a5b00; display: grid; place-items: center; font-weight: 700; font-size: 14px; }
.mistake h3 { margin: 0 0 4px; font-size: 16.5px; }
.mistake p { margin: 0; font-size: 15px; }

.embed-box { display: grid; grid-template-columns: 1fr; gap: 16px 40px; align-items: start; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px 24px; margin-bottom: 32px; }
@media (min-width: 900px) {
    .embed-box { grid-template-columns: 1fr 1.2fr; }
}
.embed-box h2 { font-size: 22px; margin: 0 0 8px; }
.embed-box p { margin: 0; }
.embed-code { display: block; width: 100%; font-family: ui-monospace, SFMono-Regular, Menlo, Consolas, monospace; font-size: 12.5px; line-height: 1.5; color: var(--ink); background: var(--soft); border: 1px solid var(--line-strong); border-radius: 8px; padding: 10px 12px; resize: vertical; margin-bottom: 10px; }

.author-box { display: flex; gap: 14px; align-items: flex-start; }
.author-box p { margin: 0 0 6px; }
.author-photo { width: 64px; height: 64px; border-radius: 50%; flex: none; object-fit: cover; }
.author-box picture { display: block; flex: none; }
.author-initials { display: grid; place-items: center; background: var(--navy); color: #34d399; font-family: var(--heading); font-weight: 800; font-size: 20px; }

.mobile-result-bar { position: fixed; left: 0; right: 0; bottom: 0; z-index: 25; display: flex; align-items: center; justify-content: space-between; gap: 12px; padding: 10px 16px calc(10px + env(safe-area-inset-bottom)); background: var(--navy); color: #d6e2ee; font-size: 14.5px; box-shadow: 0 -4px 16px rgba(11, 37, 64, 0.2); }
.mobile-result-bar strong { color: var(--white); font-family: var(--heading); font-size: 18px; margin-left: 6px; font-variant-numeric: tabular-nums; }
.mobile-result-bar a { color: var(--navy); background: #6ee7b7; border-radius: 8px; padding: 8px 12px; font-weight: 600; text-decoration: none; }

body.embed { background: var(--soft); }
.embed-main { padding: 12px; }
.embed-main .tool-grid { gap: 12px; }
.embed-credit { text-align: center; font-size: 13px; color: var(--muted); margin: 12px 0 0; }
.embed-credit a { display: inline-flex; align-items: center; gap: 8px; color: var(--muted); text-decoration: none; }
.embed-credit img { display: block; height: 20px; width: auto; }
.embed-main { max-width: 1180px; margin: 0 auto; }
@media (min-width: 640px) and (max-width: 899px) {
    .embed-main .tool-grid { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); }
}
@media (min-width: 640px) {
    .embed-main .form-card { padding: 18px; }
    .embed-main .field-row { grid-template-columns: 1fr 1fr; }
    .embed-main .mode-switch span { font-size: 13.5px; padding: 7px 6px; white-space: nowrap; }
    .embed-main .result-head, .embed-main .result-list, .embed-main .trust-line, .embed-main .result-planner { padding-left: 18px; padding-right: 18px; }
    .embed-main .steps { margin-left: 18px; margin-right: 18px; }
    .embed-main .money-field-lg .money-symbol, .embed-main .money-field-lg input { font-size: 22px; }
    .embed-main .result-main { font-size: 34px; }
}

@media (max-width: 560px) {
    .result-actions { padding: 0 18px; }
    .action-status { margin-left: 18px; margin-right: 18px; }
    .trust-line, .result-planner { padding-left: 18px; padding-right: 18px; }
    .btn-ghost { flex: 1 1 calc(50% - 8px); }
    .result-actions { grid-template-columns: 1fr 1fr; }
    .result-actions .btn-pdf { grid-column: 1 / -1; }
    .result-actions.result-actions-two { grid-template-columns: 1fr 1fr; }
    .result-actions.result-actions-two .btn-pdf { grid-column: auto; }
    .formula { font-size: 17px; padding: 12px 14px; }
    .mistake { padding-left: 52px; }
    .mode-switch span { font-size: 13.5px; padding: 7px 6px; white-space: nowrap; }
    .embed-box { padding: 18px; }
    .chart-legend { font-size: 13px; }
}

.table-scroll:focus-visible { outline: 3px solid var(--accent); outline-offset: 2px; }

.explain { margin-top: 16px; padding-top: 16px; border-top: 1px solid var(--line); }
.explain-head { display: flex; align-items: center; justify-content: space-between; gap: 12px; margin-bottom: 10px; }
.explain-title { font-size: 15.5px; margin: 0; letter-spacing: 0; }
.explain-tag { flex: none; font-size: 12px; font-weight: 600; color: var(--accent-dark); background: var(--accent-soft); border: 1px solid #cdeedd; border-radius: 999px; padding: 3px 10px; white-space: nowrap; }
.explain-lead { margin: 0 0 14px; font-size: 14.5px; line-height: 1.6; color: var(--text); }
.band-meter { margin: 4px 0 16px; padding-top: 30px; }
.band-bar { position: relative; height: 26px; border-radius: 7px; background: var(--soft); }
.band-seg { position: absolute; top: 0; bottom: 0; display: flex; align-items: center; justify-content: center; overflow: hidden; white-space: nowrap; font-size: 11.5px; font-weight: 600; color: var(--muted); border-right: 2px solid var(--white); }
.band-seg:first-child { border-radius: 7px 0 0 7px; }
.band-seg:last-of-type { border-radius: 0 7px 7px 0; border-right: 0; }
.band-seg-small { background: var(--blue-soft); }
.band-seg-marginal { background: repeating-linear-gradient(135deg, #e6f6ef 0 8px, #d7f0e4 8px 16px); }
.band-seg-main { background: #e9edf3; }
.band-seg.is-on { color: var(--ink); box-shadow: inset 0 0 0 2px var(--accent); }
.band-marker { position: absolute; top: -6px; bottom: -6px; width: 2px; margin-left: -1px; background: var(--navy); border-radius: 2px; }
.band-flag { position: absolute; bottom: calc(100% + 4px); left: 50%; transform: translateX(-50%); background: var(--navy); color: var(--white); font-size: 12px; font-weight: 700; padding: 2px 8px; border-radius: 6px; white-space: nowrap; font-variant-numeric: tabular-nums; }
.band-flag.to-left { left: auto; right: -2px; transform: none; }
.band-flag.to-right { left: -2px; transform: none; }
.band-ticks { position: relative; height: 18px; margin-top: 6px; }
.band-tick { position: absolute; top: 0; transform: translateX(-50%); font-size: 11.5px; color: var(--muted); white-space: nowrap; font-variant-numeric: tabular-nums; }
.band-tick:first-child { transform: none; }
.explain-calc { border: 1px solid var(--line); border-radius: 10px; overflow: hidden; background: var(--white); }
.calc-row { display: flex; align-items: baseline; justify-content: space-between; gap: 16px; padding: 10px 14px; border-top: 1px solid var(--line); }
.calc-row:first-child { border-top: 0; }
.calc-label { min-width: 0; font-size: 14.5px; font-weight: 600; color: var(--ink); }
.calc-work { display: block; margin-top: 2px; font-size: 13px; font-weight: 400; color: var(--muted); font-variant-numeric: tabular-nums; }
.calc-amount { flex: none; font-size: 15px; font-weight: 600; color: var(--ink); font-variant-numeric: tabular-nums; text-align: right; }
.calc-less .calc-amount { color: var(--accent-dark); }
.calc-total { background: var(--accent-soft); }
.calc-total .calc-label { font-family: var(--heading); font-weight: 700; }
.calc-total .calc-amount { font-family: var(--heading); font-weight: 800; font-size: 19px; }
.explain-note { position: relative; margin: 10px 0 0; padding-left: 22px; font-size: 13px; line-height: 1.5; color: var(--muted); }
.explain-note::before { content: "i"; position: absolute; left: 0; top: 1px; width: 16px; height: 16px; border-radius: 50%; background: var(--blue-soft); color: var(--navy-2); font-size: 11px; font-weight: 700; font-style: italic; line-height: 16px; text-align: center; font-family: Georgia, serif; }
.explain-part { padding: 14px 0 4px; border-top: 1px dashed var(--line-strong); }
.explain-part:first-of-type { border-top: 0; padding-top: 0; }
.explain-part-title { font-size: 13.5px; margin: 0 0 8px; color: var(--navy-2); }
.explain-part + .explain-calc { margin-top: 14px; }
@media (max-width: 560px) {
    .explain-head { flex-wrap: wrap; }
    .band-seg { font-size: 10.5px; }
    .calc-row { padding: 9px 12px; }
}
.current-page {color: #fff;}
.deadlines { margin-top: 44px; }
.deadlines h3 { font-size: 17px; }
.deadlines .split > div > h3:first-child { margin-top: 0; }
.date-list { padding-left: 20px; margin: 0 0 14px; }
.date-list li { margin-bottom: 6px; }
.method-steps { counter-reset: step; list-style: none; padding: 0; margin: 8px 0 18px; display: grid; gap: 12px; }
.method-steps li { counter-increment: step; position: relative; padding: 14px 18px 14px 58px; background: var(--soft); border: 1px solid var(--line); border-radius: 10px; }
.method-steps li::before { content: counter(step); position: absolute; left: 16px; top: 14px; width: 28px; height: 28px; border-radius: 50%; background: var(--navy); color: var(--white); display: grid; place-items: center; font-weight: 600; font-size: 14px; }
.method-steps strong { color: var(--ink); }
.test-table td { vertical-align: top; }
.test-source { display: block; margin-top: 4px; font-size: 13px; color: var(--muted); }
.status { display: inline-block; padding: 3px 10px; border-radius: 999px; font-size: 13px; font-weight: 600; white-space: nowrap; }
.status-pass { background: var(--accent-soft); color: var(--accent-dark); }
.status-fail { background: #fdecea; color: var(--error); }
.about-person { display: flex; align-items: center; gap: 18px; margin-bottom: 16px; }
.about-photo { display: block; width: 120px; height: 120px; border-radius: 50%; object-fit: cover; }
.about-person picture { flex: none; }
.about-person p { margin: 0 0 4px; }
.about-name { font-family: var(--heading); font-weight: 800; font-size: 20px; color: var(--ink); }
.about-role { color: var(--muted); }
.hero-page { padding-bottom: 30px; }
a[target="_blank"]:not(.embed-credit a)::after { content: ""; display: inline-block; width: 0.72em; height: 0.72em; margin-left: 0.25em; vertical-align: 0.02em; background-color: currentColor; -webkit-mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 12'%3E%3Cpath d='M5 2H2v8h8V7M7 1.5h3.5V5M10.3 1.7 5.5 6.5' fill='none' stroke='black' stroke-width='1.4' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center / contain no-repeat; mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 12'%3E%3Cpath d='M5 2H2v8h8V7M7 1.5h3.5V5M10.3 1.7 5.5 6.5' fill='none' stroke='black' stroke-width='1.4' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center / contain no-repeat; }
.contact-card { background: var(--soft); border: 1px solid var(--line); border-radius: var(--radius); padding: 20px 22px; margin-bottom: 18px; }
.contact-card p { margin: 0; }
.contact-label { font-size: 13px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.06em; color: var(--muted); }
.contact-email { font-family: var(--heading); font-weight: 800; font-size: clamp(20px, 2.6vw, 26px); margin: 4px 0 14px !important; overflow-wrap: anywhere; }
.contact-email a { text-decoration: none; }
.contact-card .action-status { margin: 0 0 0 10px; }

.legal { max-width: 800px; }
.legal-meta { font-size: 14px; color: var(--muted); margin: 0 0 24px; }
.legal h2 { margin: 36px 0 14px; }
.legal h3 { font-size: 19px; margin: 24px 0 10px; }
.legal-summary { background: var(--blue-soft); border-radius: var(--radius); padding: 22px 26px 8px; margin-bottom: 8px; }
.legal-summary h2 { margin: 0 0 14px; font-size: 22px; }
.legal-contact { border-top: 1px solid var(--line); margin-top: 40px; padding-top: 8px; }
.legal code { font-size: 14px; background: var(--blue-soft); padding: 1px 6px; border-radius: 4px; }
.footer-link-button { background: none; border: 0; padding: 0; font: inherit; color: #c3d3e3; text-decoration: underline; cursor: pointer; }
.footer-link-button:hover { color: #fff; }
.compare-card { margin-top: 20px; padding: 24px; }
.compare-card h2 { margin: 0 0 4px; font-size: 22px; }
.compare-table tbody tr:nth-child(even) th { background: #fafbfc; }
.compare-table tbody th[scope="row"] { background: var(--white); font-weight: 600; font-size: inherit; color: var(--ink); text-align: left; }
.compare-table tbody tr.is-best th, .compare-table tbody tr.is-best td { background: var(--accent-soft); }
.compare-table td.strong { font-weight: 700; color: var(--ink); }
.label-optional { font-weight: 400; color: var(--muted); }
#sd-steps .explain-part-title { margin-top: 16px; }
@media (max-width: 560px) { .compare-card { padding: 18px; } }
.compare-table tbody th[scope="row"] { min-width: 170px; }
.compare-table td.num, .compare-table th.num { white-space: nowrap; }
.money-suffix { margin: 0 0 0 4px; }
.tool-chart.split-chart { margin-bottom: 0; gap: 20px; }
.split-chart .compare-card { margin-top: 0; }
@media (min-width: 900px) { .tool-chart.split-chart { grid-template-columns: 1.4fr 1fr; gap: 20px; } }
.error-code { margin: 0 0 4px; font-family: var(--heading); font-weight: 800; font-size: 15px; letter-spacing: 0.08em; color: var(--accent); }
.quick-card { padding: 26px 28px; }
.quick-grid { display: grid; grid-template-columns: 1fr; gap: 24px; }
.quick-form h2 { font-size: 24px; margin: 0 0 6px; }
.quick-form label { display: block; font-weight: 600; color: var(--ink); margin-bottom: 6px; }
.quick-form .hint { margin: 8px 0 0; }
.quick-results { display: grid; grid-template-columns: 1fr; gap: 16px; }
.quick-block { background: var(--soft); border: 1px solid var(--line); border-radius: 10px; padding: 16px 18px; }
.quick-label { margin: 0 0 10px; font-size: 13px; font-weight: 700; letter-spacing: 0.04em; text-transform: uppercase; color: var(--accent-dark); }
.quick-block .result-list { margin: 0 0 10px; padding: 0; gap: 6px 12px; }
.quick-block .result-list dt { white-space: nowrap; }
.quick-link { font-size: 14.5px; font-weight: 600; }
@media (min-width: 640px) { .quick-results { grid-template-columns: 1fr 1fr; } .quick-label { min-height: 2.6em; } }
@media (min-width: 1000px) { .quick-grid { grid-template-columns: 0.9fr 1.4fr; align-items: center; gap: 32px; } }
.tool-cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 16px; margin: 8px 0 24px; }
.tool-card { display: flex; flex-direction: column; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 20px 22px; text-decoration: none; color: var(--text); transition: border-color 0.15s, box-shadow 0.15s, transform 0.15s; }
.tool-card:hover { border-color: var(--accent); box-shadow: var(--shadow); color: var(--text); }
.tool-card h3 { margin: 0 0 6px; font-size: 18px; color: var(--ink); }
.tool-card p { margin: 0 0 14px; font-size: 15px; flex: 1; }
.tool-card .tool-tag { align-self: flex-start; font-size: 12.5px; font-weight: 700; color: var(--accent-dark); background: var(--accent-soft); border-radius: 999px; padding: 3px 10px; }
.tool-card .tool-go { margin-top: 12px; font-size: 14.5px; font-weight: 600; color: var(--accent-dark); }
.trust-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 16px; margin: 8px 0 8px; }
.trust-item { border-top: 3px solid var(--accent); padding-top: 14px; }
.trust-item h3 { margin: 0 0 6px; font-size: 17px; }
.trust-item p { margin: 0; font-size: 15px; }
.home-hero { padding: 56px 0 48px; }
.home-hero h1 { font-size: clamp(32px, 4.6vw, 48px); max-width: 760px; }
.home-hero .lead { font-size: 18.5px; max-width: 700px; }
.home-cta { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 22px; }
.btn-primary { display: inline-flex; align-items: center; font-weight: 700; font-size: 15.5px; text-decoration: none; color: var(--white); background: var(--accent-dark); border-radius: 9px; padding: 11px 18px; }
.btn-primary:hover { background: var(--accent); color: var(--white); }
.btn-outline { display: inline-flex; align-items: center; font-weight: 600; font-size: 15.5px; text-decoration: none; color: var(--white); border: 1px solid rgba(255, 255, 255, 0.35); border-radius: 9px; padding: 10px 18px; }
.btn-outline:hover { border-color: var(--white); color: var(--white); }
.answer-box { background: var(--blue-soft); border: 1px solid #d6e3ef; border-radius: var(--radius); padding: 24px 26px; margin-bottom: 28px; }
.answer-box h2 { margin-top: 0; font-size: 24px; }
.answer-box .data-table { background: var(--white); }
.answer-box .btn-primary { margin-top: 4px; }
.muted { color: var(--muted); font-weight: 400; font-size: 0.92em; }
.guide-list { display: grid; grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); gap: 16px; margin: 8px 0 28px; }
@media (max-width: 560px) { .answer-box { padding: 18px; } }
.guide-figure { margin: 0 0 28px; }
.guide-figure img { display: block; width: 100%; height: auto; border-radius: var(--radius); border: 1px solid var(--line); box-shadow: var(--shadow); background: var(--white); }
.guide-figure figcaption { margin-top: 10px; font-size: 14px; color: var(--muted); line-height: 1.5; }
.figure-link { display: block; border-radius: var(--radius); }
.figure-link:focus-visible { outline: 3px solid var(--accent); outline-offset: 3px; }
.figure-grid { display: grid; grid-template-columns: 1fr; gap: 24px; margin: 8px 0 8px; }
.figure-grid .guide-figure { margin: 0; }
@media (min-width: 900px) { .figure-grid { grid-template-columns: 1fr 1fr; gap: 28px; } }
.guide-feature { margin-bottom: 32px; }
.figure-tabs { margin: 8px 0 24px; }
.tab-list { display: none; gap: 6px; flex-wrap: wrap; margin-bottom: 14px; }
.tabs-ready .tab-list { display: flex; }
.tab-list button { font: inherit; font-size: 14.5px; font-weight: 600; color: var(--ink); background: var(--white); border: 1px solid var(--line-strong); border-radius: 999px; padding: 7px 14px; cursor: pointer; }
.tab-list button[aria-selected="true"] { background: var(--navy); border-color: var(--navy); color: var(--white); }
.tab-list button:focus-visible { outline: 3px solid var(--accent); outline-offset: 2px; }
.tab-panel .guide-figure { margin-bottom: 0; }
.figure-tabs:not(.tabs-ready) .tab-panel + .tab-panel { margin-top: 24px; }
.guide-card { padding: 0 0 20px; overflow: hidden; }
.guide-card > *:not(.guide-thumb) { margin-left: 22px; margin-right: 22px; }
.guide-thumb { display: block; width: 100%; height: auto; margin-bottom: 16px; border-bottom: 1px solid var(--line); }
.consent-banner { position: fixed; left: 0; right: 0; bottom: 0; z-index: 60; background: var(--navy); color: #d6e2ee; box-shadow: 0 -6px 24px rgba(11, 37, 64, 0.25); }
.consent-inner { display: flex; align-items: center; justify-content: space-between; gap: 20px; padding-top: 14px; padding-bottom: 14px; }
.consent-inner p { margin: 0; font-size: 14.5px; line-height: 1.5; }
.consent-inner a { color: #6ee7b7; }
.consent-actions { display: flex; gap: 10px; flex: none; }
.consent-btn { font: inherit; font-size: 14.5px; font-weight: 700; border-radius: 8px; padding: 9px 18px; cursor: pointer; min-height: 40px; }
.consent-reject, .consent-accept { background: var(--white); color: var(--navy); border: 1px solid var(--white); }
.consent-reject:hover, .consent-accept:hover { background: var(--accent-soft); }
.consent-btn:focus-visible { outline: 3px solid #6ee7b7; outline-offset: 2px; }
@media (max-width: 640px) { .consent-inner { flex-direction: column; align-items: stretch; gap: 12px; } .consent-actions .consent-btn { flex: 1; } }
.df-card { margin: 0 0 28px; padding: 24px 26px; }
.df-card h2 { margin: 0 0 4px; font-size: 24px; }
.df-grid { display: grid; grid-template-columns: 1fr; gap: 20px; }
.df-grid .field { margin-bottom: 14px; }
.df-grid input[type="date"] { width: 100%; max-width: 320px; }
.df-results { background: var(--accent-soft); border: 1px solid #cdeedd; border-radius: 10px; padding: 14px 16px; }
.df-results .result-list { padding: 0; gap: 8px 16px; font-size: 15.5px; }
.df-results .result-list dd { white-space: nowrap; }
.df-results .hint { margin: 8px 0 4px; }
.df-results .advanced { margin-top: 8px; }
@media (min-width: 900px) { .df-grid { grid-template-columns: 0.9fr 1.3fr; gap: 28px; align-items: start; } }
@media (max-width: 560px) { .df-card { padding: 18px; } .df-results .result-list dd { white-space: normal; } }