:root{--bg:#f5f7fa;--bg-2:#eaf0ec;--surface:#fff;--surface-2:#f6f8fa;--text:#0b1f33;--muted:#465569;--line:#d5dce6;--card-border:#c5cedb;--brand:#166534;--brand-hover:#14532d;--brand-2:#0f766e;--brand-soft:#e6f3ea;--on-brand:#fff;--good:#166534;--warn:#b45309;--bad:#b91c1c;--shadow:0 1px 2px #0b1f330d, 0 10px 30px #0b1f3312;--shadow-lg:0 2px 4px #0b1f330f, 0 18px 44px #0b1f331f;--radius:14px;--radius-sm:10px;--grad:linear-gradient(135deg, #14532d 0%, #166534 100%);--c1:#166534;--c2:#0ea5e9;--c3:#6366f1;--c4:#f59e0b;--c5:#ec4899;--c6:#14b8a6;--font:"Inter Variable", Inter, ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;--font-display:"Source Serif 4 Variable", "Source Serif 4", Georgia, "Times New Roman", serif;--mono:ui-monospace, SFMono-Regular, Menlo, Consolas, monospace;--maxw:1140px;--edge:#64748b;--edge-hover:#334155;--lightningcss-light:initial;--lightningcss-dark: ;color-scheme:light}@media (prefers-color-scheme:dark){:root:not([data-theme=light]){--bg:#09121c;--bg-2:#0d1a26;--surface:#111d2c;--surface-2:#0d1826;--text:#e8eef6;--muted:#a3b2c6;--line:#26364b;--card-border:#33465f;--brand:#4ade80;--brand-hover:#86efac;--brand-2:#2dd4bf;--brand-soft:#123222;--on-brand:#052e16;--good:#4ade80;--warn:#fbbf24;--bad:#f87171;--shadow:0 1px 2px #0006, 0 10px 30px #00000059;--shadow-lg:0 2px 4px #00000080, 0 18px 44px #00000080;--grad:linear-gradient(135deg, #4ade80 0%, #86efac 100%);--c1:#4ade80;--c3:#818cf8;--edge:#8492b8;--edge-hover:#c3cce6;--lightningcss-light: ;--lightningcss-dark:initial;color-scheme:dark}}:root[data-theme=dark]{--bg:#09121c;--bg-2:#0d1a26;--surface:#111d2c;--surface-2:#0d1826;--text:#e8eef6;--muted:#a3b2c6;--line:#26364b;--card-border:#33465f;--brand:#4ade80;--brand-hover:#86efac;--brand-2:#2dd4bf;--brand-soft:#123222;--on-brand:#052e16;--good:#4ade80;--warn:#fbbf24;--bad:#f87171;--shadow:0 1px 2px #0006, 0 10px 30px #00000059;--shadow-lg:0 2px 4px #00000080, 0 18px 44px #00000080;--grad:linear-gradient(135deg, #4ade80 0%, #86efac 100%);--c1:#4ade80;--c3:#818cf8;--edge:#8492b8;--edge-hover:#c3cce6;--lightningcss-light: ;--lightningcss-dark:initial;color-scheme:dark}*,:before,:after{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}body{font-family:var(--font);color:var(--text);background:var(--bg);-webkit-font-smoothing:antialiased;text-rendering:optimizelegibility;margin:0;font-size:16.5px;line-height:1.65}img,svg{max-width:100%;display:block}a{color:var(--brand);text-underline-offset:3px;text-decoration-thickness:1px}a:hover{text-decoration-thickness:2px}:focus-visible{outline:3px solid color-mix(in srgb, var(--brand) 55%, transparent);outline-offset:2px;border-radius:6px}.skip{background:var(--brand);color:var(--on-brand);z-index:100;border-radius:8px;padding:8px 14px;position:absolute;top:8px;left:-999px}.skip:focus{left:8px}.wrap{width:100%;max-width:var(--maxw);margin:0 auto;padding:0 20px}.site-header{z-index:50;background:color-mix(in srgb, var(--bg) 82%, transparent);-webkit-backdrop-filter:saturate(160%)blur(14px);border-bottom:1px solid var(--line);position:sticky;top:0}.site-header .wrap{justify-content:space-between;align-items:center;gap:16px;min-height:64px;display:flex}.logo{letter-spacing:-.02em;color:var(--text);align-items:center;gap:10px;font-size:1.15rem;font-weight:800;text-decoration:none;display:inline-flex}.logo-mark{background:var(--grad);width:34px;height:34px;color:var(--on-brand);border-radius:10px;place-items:center;display:grid}.logo-mark svg{stroke-width:2.6px;width:20px;height:20px}.logo-text b{color:var(--brand);font-weight:800}.nav{align-items:center;gap:4px;display:flex}.nav a{color:var(--muted);border-radius:10px;padding:8px 12px;font-size:.95rem;font-weight:600;text-decoration:none;transition:background .2s,color .2s}.nav a:hover,.nav 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60px;position:relative}.hero-grid{align-items:center;gap:40px;display:grid}@media (width>=960px){.hero-grid{grid-template-columns:minmax(0,1.25fr) minmax(0,.75fr);gap:56px}}.hero-inner{max-width:760px}.eyebrow{letter-spacing:.05em;text-transform:uppercase;color:var(--brand);background:var(--brand-soft);border:1px solid color-mix(in srgb, var(--brand) 30%, transparent);border-radius:999px;align-items:center;gap:8px;padding:6px 14px;font-size:.82rem;font-weight:800;display:inline-flex}.dot{background:var(--brand);border-radius:50%;width:8px;height:8px;animation:2s infinite pulse}@keyframes pulse{0%{box-shadow:0 0 0 0 color-mix(in srgb, var(--brand) 55%, transparent)}to{box-shadow:0 0 0 10px #0000}}h1,h2{font-family:var(--font-display)}.card h2,.acc summary h2,.site-footer h2{font-family:var(--font)}h1{letter-spacing:-.02em;margin:16px 0 14px;font-size:clamp(2rem,4.6vw,3.2rem);font-weight:700;line-height:1.12}.hero h1{letter-spacing:-.03em;margin:20px 0 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0 60px}.calc{grid-template-columns:minmax(0,1fr);gap:20px;display:grid}@media (width>=760px){.calc{grid-template-columns:minmax(0,1fr) minmax(0,1.05fr);align-items:start}}.card{background:var(--surface);border:1px solid var(--card-border);border-radius:var(--radius);padding:22px}.card h2{letter-spacing:-.01em;margin:0 0 16px;font-size:1.05rem}.fields{gap:14px;display:grid}.fields.two{grid-template-columns:1fr 1fr}.field label{margin-bottom:6px;font-size:.86rem;font-weight:700;display:block}.field .hint{color:var(--muted);margin-top:5px;font-size:.78rem;line-height:1.4}.control{background:var(--surface-2);border:1.5px solid var(--line);border-radius:var(--radius-sm);align-items:center;transition:border-color .2s,box-shadow .2s,background .2s;display:flex}.control:focus-within{border-color:var(--brand);box-shadow:0 0 0 4px color-mix(in srgb, var(--brand) 18%, transparent);background:var(--surface)}.control .affix{color:var(--muted);-webkit-user-select:none;user-select:none;padding:0 12px;font-size:.95rem;font-weight:700}.control input,.control select{appearance:none;width:100%;min-width:0;color:var(--text);font:inherit;background:0 0;border:0;outline:0;flex:1;padding:12px;font-weight:600}.control input{font-variant-numeric:tabular-nums}.control .pre+input{padding-left:0}.control select{cursor:pointer;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%23788' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");background-position:right 12px center;background-repeat:no-repeat;padding-right:36px}.control select option{background:var(--surface);color:var(--text)}.btn-row{flex-wrap:wrap;gap:10px;margin-top:18px;display:flex}.btn{appearance:none;border:2px solid var(--brand);cursor:pointer;font:inherit;border-radius:var(--radius-sm);background:var(--brand);color:var(--on-brand);justify-content:center;align-items:center;gap:8px;padding:11px 18px;font-weight:700;text-decoration:none;transition:transform .2s,box-shadow .2s,background .2s,border-color .2s;display:inline-flex}.btn:hover{background:var(--brand-hover);border-color:var(--brand-hover);box-shadow:0 8px 20px color-mix(in srgb, var(--brand) 30%, transparent);transform:translateY(-2px)}.btn.ghost{background:var(--surface);color:var(--text);border:2px solid var(--edge)}.btn.ghost:hover{background:var(--brand-soft);border-color:var(--brand);box-shadow:none}.btn-xl{letter-spacing:-.01em;border-radius:14px;padding:20px 38px;font-size:1.25rem;font-weight:800}.btn-xl svg{width:24px;height:24px;transition:transform .2s}.btn-xl:hover svg{transform:translate(4px)}.result-card{position:relative;overflow:hidden}.result-card:before{content:"";background:var(--grad);height:4px;position:absolute;inset:0 0 auto}.big-label{color:var(--muted);letter-spacing:.03em;text-transform:uppercase;font-size:.85rem;font-weight:700}.big-number{letter-spacing:-.03em;font-variant-numeric:tabular-nums;background:var(--grad);color:#0000;-webkit-background-clip:text;background-clip:text;margin:4px 0 2px;font-size:clamp(2.2rem,5vw,3rem);font-weight:800;line-height:1.1}.sub-number{color:var(--muted);font-size:.92rem}.stat-grid{grid-template-columns:repeat(2,1fr);gap:10px;margin-top:18px;display:grid}.stat{background:var(--surface-2);border:1px solid var(--line);border-radius:var(--radius-sm);padding:12px 14px}.stat .k{color:var(--muted);font-size:.78rem;font-weight:600}.stat .v{font-variant-numeric:tabular-nums;letter-spacing:-.01em;margin-top:2px;font-size:1.08rem;font-weight:800}.stat .v.good{color:var(--good)}.notice{border-radius:var(--radius-sm);background:color-mix(in srgb, var(--warn) 12%, var(--surface));border:1px solid color-mix(in srgb, var(--warn) 35%, var(--line));margin-top:14px;padding:12px 14px;font-size:.9rem}.notice.info{background:var(--brand-soft);border-color:color-mix(in srgb, var(--brand) 25%, var(--line))}.notice[hidden]{display:none}.viz{grid-template-columns:150px 1fr;align-items:center;gap:18px;margin-top:20px;display:grid}@media (width<=420px){.viz{grid-template-columns:1fr;justify-items:center}}.donut{width:150px;height:150px}.donut circle.seg{transition:stroke-dasharray .7s cubic-bezier(.2,.8,.2,1),stroke-dashoffset .7s cubic-bezier(.2,.8,.2,1)}.legend{gap:8px;width:100%;margin:0;padding:0;list-style:none;display:grid}.legend li{align-items:center;gap:10px;font-size:.92rem;display:flex}.legend i{border-radius:4px;flex:none;width:11px;height:11px}.legend b{font-variant-numeric:tabular-nums;margin-left:auto}.chart{margin-top:18px}.chart svg{width:100%;height:auto;overflow:visible}.chart .bar{transform-box:fill-box;transform-origin:bottom;animation:.7s cubic-bezier(.2,.8,.2,1) both grow}@keyframes grow{0%{transform:scaleY(0)}to{transform:scaleY(1)}}.chart text{fill:var(--muted);font-size:11px;font-family:var(--font)}.chart .grid-line{stroke:var(--line);stroke-width:1px}.chart-legend{color:var(--muted);flex-wrap:wrap;gap:6px 16px;margin-top:8px;font-size:.85rem;display:flex}.chart-legend i{border-radius:3px;width:10px;height:10px;margin-right:6px;display:inline-block}.table-wrap{border:1px solid var(--line);border-radius:var(--radius-sm);max-height:420px;margin-top:14px;overflow:auto}table{border-collapse:collapse;font-variant-numeric:tabular-nums;width:100%;font-size:.92rem}th,td{text-align:right;white-space:nowrap;padding:10px 14px}th:first-child,td:first-child{text-align:left}thead th{background:var(--surface-2);text-transform:uppercase;letter-spacing:.04em;color:var(--muted);border-bottom:1px solid var(--line);font-size:.78rem;position:sticky;top:0}tbody tr:nth-child(2n){background:color-mix(in srgb, var(--surface-2) 70%, transparent)}tbody tr:hover{background:var(--brand-soft)}.prose{max-width:74ch}.prose h2{letter-spacing:-.02em;margin:2.2rem 0 .6rem;font-size:1.45rem}.prose h3{margin:1.6rem 0 .4rem;font-size:1.15rem}.prose p,.prose li{color:color-mix(in srgb, var(--text) 88%, var(--muted))}.prose ul,.prose ol{padding-left:1.3rem}.prose li{margin:.3rem 0}.prose table{font-size:.9rem}.prose .table-wrap{max-height:none;margin:12px 0 18px}.prose .table-wrap th,.prose .table-wrap td{white-space:normal;vertical-align:top}.prose table.text th,.prose table.text td{text-align:left;white-space:normal;vertical-align:top}.prose .formula{font-family:var(--mono);color:var(--text);font-size:.98rem}.callout{border-left:4px solid var(--brand);background:var(--brand-soft);border-radius:0 var(--radius-sm) var(--radius-sm) 0;margin:1.4rem 0;padding:14px 18px}.callout p{margin:0}.updated{color:var(--muted);font-size:.86rem}.faq{gap:10px;margin-top:14px;display:grid}.faq details{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius-sm);padding:0 18px;transition:box-shadow .2s,border-color .2s}.faq details[open]{box-shadow:var(--shadow);border-color:color-mix(in srgb, var(--brand) 35%, var(--line))}.faq summary{cursor:pointer;justify-content:space-between;align-items:center;gap:14px;padding:15px 0;font-weight:700;list-style:none;display:flex}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"";border-right:2.5px solid var(--muted);border-bottom:2.5px solid var(--muted);flex:none;width:10px;height:10px;margin-top:-4px;transition:transform .25s;transform:rotate(45deg)}.faq details[open] summary:after{margin-top:4px;transform:rotate(-135deg)}.faq .ans{color:var(--muted);padding:0 0 16px;animation:.3s fade}.faq .ans p{margin:0 0 8px}@keyframes fade{0%{opacity:0;transform:translateY(-4px)}to{opacity:1;transform:none}}.sr-only{clip:rect(0, 0, 0, 0);white-space:nowrap;border:0;width:1px;height:1px;margin:-1px;padding:0;position:absolute;overflow:hidden}.page-head.compact{padding:14px 0 0}.page-head.compact h1{margin:0 0 4px;font-size:clamp(1.45rem,2.6vw,1.85rem)}.page-head.compact .lead{max-width:none;font-size:.94rem;line-height:1.45}.tool-page .layout{padding-top:12px}.tool{grid-template-columns:minmax(0,1.15fr) minmax(0,1fr);align-items:start;gap:20px;margin-bottom:24px;display:grid}.tool-inputs{padding:14px 20px 18px}.tool-inputs-head{justify-content:space-between;align-items:center;gap:12px;margin-bottom:10px;display:flex}.tool-inputs-head h2{margin:0}.tool-inputs-head h2 small{color:var(--muted);font-size:.82rem;font-weight:600}.tool-inputs .btn{border-color:var(--edge);padding:5px 14px;font-size:.88rem}.tool-inputs .fields{gap:10px}.tool-inputs .field label,.seg-field legend{margin-bottom:5px;padding:0;font-size:.86rem;font-weight:700}.tool-inputs .control{background:var(--surface);border:2px solid var(--edge);transition:border-color .2s,box-shadow .2s,background .2s}.tool-inputs .control:hover{border-color:var(--edge-hover)}.tool-inputs .control:focus-within{border-color:var(--brand);box-shadow:0 0 0 4px color-mix(in srgb, var(--brand) 25%, transparent)}.tool-inputs .control input{padding:8px 12px;font-size:1.05rem;font-weight:700}.tool-inputs .control .affix{color:var(--text)}.equity{border-radius:var(--radius-sm);border:2px solid var(--edge);background:var(--surface-2);border-left-width:6px;padding:7px 12px;font-size:.9rem;line-height:1.4;transition:border-color .2s,background .2s}.equity b{font-weight:800}.equity.bad{border-color:var(--bad);background:color-mix(in srgb, var(--bad) 9%, var(--surface))}.equity.good{border-color:var(--good);background:color-mix(in srgb, var(--good) 9%, var(--surface))}.seg-field{border:0;min-width:0;margin:10px 0 0;padding:0}.seg{border:2px solid var(--edge);border-radius:var(--radius-sm);grid-template-columns:repeat(5,1fr);transition:border-color .2s;display:grid;overflow:hidden}.seg:hover{border-color:var(--edge-hover)}.seg 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