:root{--ink:#10213f;--muted:#5e6d85;--line:#dce4ef;--paper:#fff;--bg:#f4f7fb;--blue:#2368d8;--blue-dark:#154caa;--green:#087f5b;--amber:#b45309;--red:#c53a45;--shadow:0 18px 50px rgba(16,33,63,.10);--radius:12px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--bg);color:var(--ink);font:16px/1.6 Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}a{color:inherit}button,input,select{font:inherit}.site-header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.94);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}.nav{max-width:1180px;margin:auto;min-height:68px;padding:0 22px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{display:flex;align-items:center;gap:10px;font-weight:900;text-decoration:none;letter-spacing:-.03em}.mark{width:32px;height:32px;border-radius:10px;background:var(--ink);color:#fff;display:grid;place-items:center}.nav-links{display:flex;gap:20px}.nav-links a{text-decoration:none;color:var(--muted);font-size:.9rem;font-weight:700}.nav-links a:hover,.nav-links a:focus-visible{color:var(--blue)}main{max-width:1180px;margin:auto;padding:42px 22px 80px}.hero{display:grid;grid-template-columns:1.3fr .7fr;gap:40px;align-items:end;padding:34px 0 38px}.eyebrow{margin:0 0 12px;color:var(--blue);font-size:.78rem;font-weight:900;letter-spacing:.12em;text-transform:uppercase}.hero h1,.calc-intro h1{margin:0;max-width:850px;font-size:clamp(2.25rem,5.5vw,4.8rem);line-height:.99;letter-spacing:-.055em}.hero p{margin:18px 0 0;max-width:680px;color:var(--muted);font-size:1.08rem}.hero-note{border-left:3px solid var(--blue);padding:8px 0 8px 20px;color:var(--muted);font-size:.92rem}.hero-note strong{display:block;color:var(--ink);font-size:1.1rem}.section-head{display:flex;justify-content:space-between;align-items:end;gap:20px;margin:30px 0 20px}.section-head h2{font-size:1.6rem;letter-spacing:-.03em;margin:0}.section-head p{margin:0;color:var(--muted)}.tool-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.tool-card{position:relative;min-height:245px;padding:24px;border:1px solid var(--line);border-radius:var(--radius);background:var(--paper);box-shadow:0 5px 20px rgba(16,33,63,.04);text-decoration:none;display:flex;flex-direction:column;transition:.2s ease;overflow:hidden}.tool-card:before{content:"";position:absolute;inset:0 auto 0 0;width:5px;background:var(--accent,var(--blue))}.tool-card:hover,.tool-card:focus-visible{transform:translateY(-4px);box-shadow:var(--shadow);border-color:#b9c9dd;outline:none}.chip{align-self:flex-start;padding:5px 10px;border-radius:999px;background:color-mix(in srgb,var(--accent,var(--blue)) 12%,white);color:var(--accent,var(--blue));font-size:.76rem;font-weight:900}.tool-card h3{margin:20px 0 8px;font-size:1.35rem;line-height:1.2;letter-spacing:-.025em}.tool-card p{margin:0;color:var(--muted);font-size:.93rem}.launch{margin-top:auto;padding-top:20px;font-weight:850;color:var(--accent,var(--blue));display:flex;justify-content:space-between}.trust{margin-top:48px;padding:30px;border-radius:var(--radius);background:var(--ink);color:#fff;display:grid;grid-template-columns:1.1fr repeat(3,.7fr);gap:28px}.trust h2{margin:0;font-size:1.5rem;line-height:1.2}.trust h3{margin:0 0 5px;font-size:.95rem}.trust p{margin:0;color:#becbe0;font-size:.85rem}.calc-intro{padding:24px 0 28px}.calc-intro h1{font-size:clamp(2.15rem,4.5vw,3.7rem)}.calc-intro>p{max-width:760px;color:var(--muted);font-size:1.05rem}.calculator{display:grid;grid-template-columns:minmax(310px,.82fr) minmax(420px,1.18fr);gap:20px;align-items:start}.panel{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);box-shadow:0 7px 30px rgba(16,33,63,.06);overflow:hidden}.panel-head{padding:18px 22px;border-bottom:2px solid var(--ink);display:flex;align-items:center;justify-content:space-between}.panel-head h2{margin:0;font-size:.9rem;letter-spacing:.09em;text-transform:uppercase}.panel-body{padding:22px}.field{margin-bottom:17px}.field label{display:flex;justify-content:space-between;gap:12px;font-size:.86rem;font-weight:800;margin-bottom:7px}.hint{font-weight:500;color:var(--muted)}.control{display:flex;border:1px solid #bdc9d9;border-radius:11px;overflow:hidden;background:#fff}.control:focus-within{border-color:var(--blue);box-shadow:0 0 0 3px rgba(35,104,216,.14)}.control span{display:grid;place-items:center;min-width:44px;padding:0 10px;background:#eef3f9;color:var(--muted);font-weight:800}.control input,.control select{min-width:0;width:100%;padding:11px 12px;border:0;outline:0;color:var(--ink);background:transparent;font-weight:700}.primary{width:100%;border:0;border-radius:11px;padding:12px 16px;background:var(--blue);color:#fff;font-weight:900;cursor:pointer}.primary:hover{background:var(--blue-dark)}.results{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}.metric{padding:17px;border:1px solid var(--line);border-radius:14px;background:#f8fafd}.metric span{display:block;color:var(--muted);font-size:.8rem;font-weight:700}.metric strong{display:block;margin-top:3px;font-size:1.45rem;letter-spacing:-.03em}.metric.hero-metric{grid-column:1/-1;background:var(--ink);color:#fff;border-color:var(--ink)}.metric.hero-metric span{color:#bac7db}.metric.hero-metric strong{font-size:clamp(2rem,5vw,3rem)}.chart-wrap{margin-top:18px;padding:14px;border:1px solid var(--line);border-radius:14px}.chart-wrap canvas{display:block;width:100%;height:220px}.legend{display:flex;gap:18px;flex-wrap:wrap;margin-top:8px;color:var(--muted);font-size:.78rem}.dot{display:inline-block;width:9px;height:9px;border-radius:50%;margin-right:6px}.assumptions{margin-top:20px;padding:16px 18px;border-left:4px solid var(--blue);background:#edf4ff;color:var(--muted);font-size:.85rem}.content{max-width:820px;margin:48px auto 0}.content h2{font-size:1.65rem;letter-spacing:-.03em;margin-top:36px}.content h3{margin-top:28px}.content p,.content li{color:#43516a}.formula{padding:18px 20px;border-radius:14px;background:var(--ink);color:#fff;font:600 1rem/1.7 ui-monospace,SFMono-Regular,Menlo,monospace;overflow:auto}.callout{padding:18px 20px;border:1px solid #bcd0ee;border-radius:14px;background:#f1f6ff}.debt-list{display:grid;gap:10px}.debt-row{display:grid;grid-template-columns:1.2fr .8fr .65fr auto;gap:8px}.debt-row input{width:100%;padding:9px;border:1px solid #bdc9d9;border-radius:9px}.icon-btn{border:0;background:#feecef;color:var(--red);border-radius:9px;padding:0 12px;cursor:pointer}.secondary{border:1px solid #bdc9d9;background:#fff;color:var(--ink);border-radius:10px;padding:9px 12px;font-weight:800;cursor:pointer}.comparison{width:100%;border-collapse:collapse;font-size:.88rem}.comparison th,.comparison td{padding:10px;border-bottom:1px solid var(--line);text-align:left}.comparison th{color:var(--muted)}footer{border-top:1px solid var(--line);background:#fff}.footer-inner{max-width:1180px;margin:auto;padding:35px 22px;display:grid;grid-template-columns:1fr auto;gap:25px;color:var(--muted);font-size:.82rem}.footer-links{display:flex;gap:16px}.footer-links a{font-weight:800;text-decoration:none}.legal{max-width:820px}.plain-page{max-width:820px}.plain-page h1{font-size:3rem;letter-spacing:-.05em}.plain-page h2{margin-top:34px}@media(max-width:850px){.hero{grid-template-columns:1fr}.tool-grid{grid-template-columns:repeat(2,1fr)}.trust{grid-template-columns:1fr 1fr}.calculator{grid-template-columns:1fr}.nav-links a:not(:last-child){display:none}}@media(max-width:580px){main{padding:28px 16px 60px}.nav{padding:0 16px}.tool-grid{grid-template-columns:1fr}.trust{grid-template-columns:1fr}.results{grid-template-columns:1fr}.metric.hero-metric{grid-column:auto}.debt-row{grid-template-columns:1fr 1fr}.debt-row input:first-child{grid-column:1/-1}.footer-inner{grid-template-columns:1fr}.hero h1{font-size:2.8rem}}@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}

/* Editorial financial-workbook treatment */
body{background:#f5f7fa}
.eyebrow{letter-spacing:.08em}
.tool-card,.panel,.seo-section{border-radius:12px}
.tool-card{box-shadow:none}
.tool-card:hover,.tool-card:focus-visible{transform:translateY(-2px);box-shadow:0 10px 26px rgba(16,33,63,.08)}
.chip{border-radius:6px;background:#eef2f7;color:var(--accent,var(--ink))}
.metric strong,.res-amount,.field-value{font-variant-numeric:tabular-nums}
.compound-workspace{display:grid;grid-template-columns:minmax(320px,1.03fr) minmax(380px,.97fr);gap:24px;align-items:start}
.input-sheet{background:#fff;border:1px solid var(--line);border-radius:12px;padding:26px;box-shadow:0 4px 18px rgba(16,33,63,.04)}
.sheet-title{margin:0 0 22px;font-size:.82rem;letter-spacing:.07em;text-transform:uppercase}
.range-field{padding:0 0 22px;margin:0 0 22px;border-bottom:1px solid #e8edf4}
.range-field:last-of-type{border-bottom:0}
.range-heading{display:flex;align-items:center;justify-content:space-between;gap:16px;margin-bottom:12px}
.range-heading label{font-size:.9rem;font-weight:750;color:#43516a}
.range-input{display:flex;align-items:center;width:152px;border:1px solid #c5cfdd;border-radius:8px;background:#fff;overflow:hidden}
.range-input span{padding:8px 9px;background:#f0f3f7;color:#5e6d85;font-weight:750}
.range-input input{width:100%;min-width:0;padding:8px;border:0;outline:0;text-align:right;color:var(--ink);font-weight:800;font-variant-numeric:tabular-nums}
.range-input:focus-within{border-color:var(--blue);box-shadow:0 0 0 3px rgba(35,104,216,.12)}
.range{width:100%;height:5px;border-radius:3px;background:#d9e1ec;appearance:none;cursor:pointer;accent-color:var(--blue)}
.range::-webkit-slider-thumb{appearance:none;width:18px;height:18px;border:3px solid #fff;border-radius:50%;background:var(--blue);box-shadow:0 1px 5px rgba(16,33,63,.32)}
.range::-moz-range-thumb{width:14px;height:14px;border:3px solid #fff;border-radius:50%;background:var(--blue);box-shadow:0 1px 5px rgba(16,33,63,.32)}
.range:focus-visible{outline:3px solid rgba(35,104,216,.2);outline-offset:4px}
.range-limits{display:flex;justify-content:space-between;margin-top:7px;color:#7a879a;font-size:.72rem}
.result-sheet{background:#10213f;color:#fff;border-radius:12px;padding:30px;box-shadow:0 12px 30px rgba(16,33,63,.18)}
.result-sheet .sheet-title{color:#b8c5d8}
.result-label{font-size:.78rem;color:#b8c5d8;font-weight:750}
.result-amount{margin:4px 0 22px;font-size:clamp(2.25rem,5vw,3.25rem);font-weight:850;line-height:1.1;letter-spacing:-.045em;font-variant-numeric:tabular-nums;overflow-wrap:anywhere}
.ratio-track{display:flex;height:7px;margin:0 0 9px;border-radius:4px;overflow:hidden;background:rgba(255,255,255,.13)}
.ratio-principal{background:#9aa8ba}.ratio-growth{background:#39a77a}
.ratio-legend{display:flex;justify-content:space-between;gap:16px;color:#b8c5d8;font-size:.75rem}
.result-stats{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:24px;padding-top:22px;border-top:1px solid rgba(255,255,255,.14)}
.result-stat span{display:block;color:#b8c5d8;font-size:.75rem}.result-stat strong{display:block;margin-top:3px;font-size:1.18rem;font-variant-numeric:tabular-nums}
.result-sheet .chart-wrap{margin-top:22px;border-color:rgba(255,255,255,.15);background:rgba(255,255,255,.03)}
.result-sheet .legend{color:#b8c5d8}
.source-note{margin-top:18px;color:#6b7890;font-size:.82rem}
.article-clean{max-width:820px;margin:52px auto 0}.article-clean h2{margin-top:34px;font-size:1.55rem;letter-spacing:-.025em}.article-clean p,.article-clean li{color:#43516a}
@media(max-width:850px){.compound-workspace{grid-template-columns:1fr}}
@media(max-width:580px){.range-heading{align-items:flex-start;flex-direction:column}.range-input{width:100%}.result-stats{grid-template-columns:1fr}.result-sheet{padding:24px}.input-sheet{padding:22px}}