@import"https://fonts.googleapis.com/css2?family=Lexend:wght@400;500;600;700&family=Source+Sans+3:wght@400;500;600;700&display=swap";:root{--ink: #0f172a;--muted: #334155;--surface: #ffffff;--surface-soft: #e0f2fe;--line: #bae6fd;--line-strong: #7dd3fc;--primary: #0369a1;--primary-dark: #0c4a6e;--accent: #15803d;--accent-dark: #166534;--accent-soft: #dcfce7;--sky: #f0f9ff;--sky-mid: #e0f2fe;--focus: #facc15;--error: #b91c1c;--radius: 16px;--radius-sm: 10px;--shadow: 0 12px 32px rgba(3, 105, 161, .12);--font-heading: "Lexend", "Segoe UI", sans-serif;--font-body: "Source Sans 3", "Segoe UI", sans-serif;--touch: 48px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);font-family:var(--font-body);font-size:19px;line-height:1.65;background:radial-gradient(ellipse 90% 60% at 10% -10%,#bae6fd 0%,transparent 55%),radial-gradient(ellipse 70% 50% at 100% 0%,#dcfce7 0%,transparent 45%),linear-gradient(180deg,var(--sky) 0%,#f8fbff 40%,var(--sky-mid) 100%);background-attachment:fixed;min-height:100vh}a{color:var(--primary);text-underline-offset:3px;transition:color .2s ease}a:hover{color:var(--primary-dark);text-decoration-thickness:2px}button,input{font:inherit}button,a,.menu-button,.link-card,.check{cursor:pointer}button:focus-visible,input:focus-visible,a:focus-visible,.menu-button:focus-visible{outline:4px solid var(--focus);outline-offset:3px;border-radius:4px}.container{width:min(1100px,calc(100% - 48px));margin-inline:auto}.narrow{width:min(720px,calc(100% - 48px));margin-inline:auto}.skip-link{position:fixed;left:16px;top:-100px;z-index:40;background:var(--focus);color:var(--ink);padding:12px 18px;font-weight:700;font-family:var(--font-heading);border-radius:8px;text-decoration:none}.skip-link:focus{top:12px}.site-header{position:sticky;top:0;z-index:30;background:#ffffffeb;-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);border-bottom:2px solid var(--line)}.nav-wrap{min-height:80px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{display:inline-flex;align-items:center;gap:12px;color:var(--primary-dark);font-family:var(--font-heading);font-weight:700;font-size:1.25rem;text-decoration:none;letter-spacing:-.02em;min-height:var(--touch)}.brand:hover{color:var(--primary)}.brand-logo{display:block;width:48px;height:48px;object-fit:contain;flex:0 0 auto}.site-header nav{display:flex;align-items:center;gap:8px}.site-header nav a{color:var(--ink);text-decoration:none;font-family:var(--font-heading);font-weight:600;font-size:1.05rem;padding:12px 16px;min-height:var(--touch);display:inline-flex;align-items:center;border-radius:10px;transition:background-color .2s ease,color .2s ease}.site-header nav a:hover{background:var(--sky-mid);color:var(--primary-dark);text-decoration:none}.menu-button{display:none;border:2px solid var(--primary-dark);background:var(--surface);color:var(--primary-dark);padding:10px 18px;min-height:var(--touch);border-radius:10px;font-family:var(--font-heading);font-weight:700;font-size:1.05rem;transition:background-color .2s ease}.menu-button:hover{background:var(--sky-mid)}h1,h2,h3{font-family:var(--font-heading);line-height:1.2;letter-spacing:-.02em;margin-top:0;color:var(--primary-dark)}h1{font-size:clamp(2.1rem,4.5vw,3.25rem);max-width:18ch;margin-bottom:18px;font-weight:700}h2{font-size:clamp(1.65rem,3vw,2.25rem);margin-bottom:16px;font-weight:700}h3{font-size:1.3rem;margin-bottom:10px;font-weight:600;color:var(--ink)}p{max-width:65ch}.hero{padding:56px 0 72px;position:relative}.hero-grid{display:grid;grid-template-columns:.95fr 1.05fr;gap:48px;align-items:start}.brand-mark{display:inline-flex;align-items:center;gap:10px;margin:0 0 20px;font-family:var(--font-heading);font-weight:700;font-size:1.15rem;color:var(--primary-dark)}.brand-mark img{width:40px;height:40px}.eyebrow{display:inline-block;margin:0 0 14px;padding:6px 12px;background:var(--accent-soft);color:var(--accent-dark);border-radius:999px;font-family:var(--font-heading);font-weight:600;font-size:.95rem;letter-spacing:.01em}.lede{font-size:1.25rem;color:var(--muted);margin:0 0 28px;max-width:36ch}.hero-points{list-style:none;margin:0;padding:0;display:grid;gap:12px}.hero-points li{display:flex;align-items:flex-start;gap:12px;color:var(--muted);font-size:1.05rem}.hero-points svg{flex:0 0 auto;width:24px;height:24px;margin-top:2px;color:var(--accent)}.calculator{background:var(--surface);border:2px solid var(--line-strong);border-radius:var(--radius);box-shadow:var(--shadow);overflow:hidden}.calculator-head{background:linear-gradient(135deg,var(--primary) 0%,var(--primary-dark) 100%);color:#fff;padding:20px 28px;display:flex;justify-content:space-between;gap:16px;align-items:center;flex-wrap:wrap}.calculator-head strong{font-family:var(--font-heading);font-size:1.25rem;font-weight:700}.calculator-head span{font-size:1rem;opacity:.95}.calculator-body{padding:28px}.field{margin-bottom:28px}.field label,.field legend{display:block;font-family:var(--font-heading);font-weight:600;font-size:1.1rem;color:var(--ink);margin-bottom:8px}.hint{display:block;color:var(--muted);font-size:1rem;margin-bottom:10px;line-height:1.5}input[type=date],input[type=number]{width:100%;max-width:100%;min-height:var(--touch);border:2px solid var(--primary-dark);border-radius:var(--radius-sm);padding:12px 14px;background:var(--surface);color:var(--ink);font-size:1.15rem;transition:border-color .2s ease,box-shadow .2s ease}input[type=date]:hover,input[type=number]:hover{border-color:var(--primary)}input[type=range]{width:100%;height:48px;accent-color:var(--primary);cursor:pointer;-webkit-appearance:none;-moz-appearance:none;appearance:none;background:transparent}input[type=range]::-webkit-slider-runnable-track{height:10px;border-radius:999px;background:linear-gradient(90deg,var(--primary) 0%,var(--line-strong) 100%)}input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;-moz-appearance:none;appearance:none;width:32px;height:32px;margin-top:-11px;border-radius:50%;background:var(--primary-dark);border:3px solid #fff;box-shadow:0 2px 8px #0c4a6e59;cursor:pointer}input[type=range]::-moz-range-track{height:10px;border-radius:999px;background:var(--line-strong)}input[type=range]::-moz-range-thumb{width:32px;height:32px;border-radius:50%;background:var(--primary-dark);border:3px solid #fff;box-shadow:0 2px 8px #0c4a6e59;cursor:pointer}.range-labels{display:flex;justify-content:space-between;color:var(--muted);font-size:1rem;font-weight:600}.years-value{display:inline-block;margin-left:6px;padding:2px 10px;background:var(--sky-mid);color:var(--primary-dark);border-radius:8px;font-weight:700}.check{display:flex;align-items:flex-start;gap:14px;font-weight:600;font-size:1.05rem;padding:14px 16px;background:var(--sky);border:1px solid var(--line);border-radius:var(--radius-sm)}.check input{width:24px;height:24px;margin-top:2px;flex:0 0 auto;accent-color:var(--primary);cursor:pointer}.error{color:var(--error);font-weight:700;border-left:4px solid var(--error);padding:8px 0 8px 14px;margin:12px 0 0;background:#fef2f2;border-radius:0 8px 8px 0}.result{margin-top:28px;background:var(--accent-soft);border:2px solid var(--accent);padding:24px;border-radius:var(--radius-sm);animation:result-in .28s ease}.result.empty{background:var(--sky);border-color:var(--line-strong);animation:none}.result-label{color:var(--accent-dark);font-family:var(--font-heading);font-size:1.05rem;font-weight:600;margin:0 0 6px}.result.empty .result-label{color:var(--primary-dark)}.amount{font-family:var(--font-heading);font-size:clamp(2.4rem,5vw,3.4rem);line-height:1.05;font-weight:700;letter-spacing:-.03em;margin:0 0 10px;color:var(--accent-dark)}.result-meta{margin:0 0 16px;font-weight:700;font-size:1.1rem;color:var(--ink)}.result-facts{display:grid;gap:10px;margin:0;padding:16px 0 0;border-top:1px solid rgba(21,128,61,.25)}.result-facts dt{font-size:.95rem;font-weight:600;color:var(--muted);margin:0}.result-facts dd{margin:0 0 8px;font-family:var(--font-heading);font-size:1.2rem;font-weight:700;color:var(--ink)}.fine-print{font-size:1rem;color:var(--muted);margin:16px 0 0;line-height:1.55}@keyframes result-in{0%{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}.section{padding:72px 0}.section-panel{background:#ffffffb8;border:1px solid var(--line);border-radius:var(--radius);padding:40px 36px;box-shadow:0 4px 20px #0369a10f}.section-intro{color:var(--muted);font-size:1.15rem;margin-bottom:32px}.steps{display:grid;grid-template-columns:1fr 1fr;gap:20px;counter-reset:steps}.step{position:relative;padding:24px 24px 24px 72px;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius-sm);transition:border-color .2s ease,box-shadow .2s ease}.step:hover{border-color:var(--line-strong);box-shadow:0 6px 18px #0369a114}.step:before{counter-increment:steps;content:counter(steps);position:absolute;left:20px;top:22px;width:40px;height:40px;display:grid;place-items:center;border-radius:12px;background:var(--primary);color:#fff;font-family:var(--font-heading);font-weight:700;font-size:1.1rem}.step p{color:var(--muted);margin:0;font-size:1.05rem}.formula-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:start}.formula{font-family:var(--font-heading);font-size:1.35rem;font-weight:700;color:var(--primary-dark);padding:18px 20px;margin:16px 0;background:var(--sky);border-left:5px solid var(--primary);border-radius:0 var(--radius-sm) var(--radius-sm) 0}.official-note{margin-top:20px;padding:20px;background:#fffbeb;border:1px solid #fcd34d;border-radius:var(--radius-sm)}.official-note p{margin:0;color:var(--ink)}.photo-block{overflow:hidden;border-radius:var(--radius);border:2px solid var(--line);box-shadow:var(--shadow)}.photo-block img{width:100%;aspect-ratio:3 / 2;object-fit:cover;display:block}.link-list{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.link-card{display:flex;flex-direction:column;gap:10px;min-height:160px;padding:24px;color:var(--ink);border-radius:var(--radius-sm);border:2px solid var(--line);background:var(--surface);text-decoration:none;transition:border-color .2s ease,box-shadow .2s ease,background-color .2s ease}.link-card:first-child{background:linear-gradient(145deg,var(--primary) 0%,var(--primary-dark) 100%);color:#fff;border-color:var(--primary-dark)}.link-card:hover{border-color:var(--primary);box-shadow:0 8px 22px #0369a11f;text-decoration:none}.link-card:first-child:hover{border-color:var(--primary-dark);color:#fff}.link-card strong{display:block;font-family:var(--font-heading);font-size:1.25rem;line-height:1.25}.link-card span{font-size:1.05rem;opacity:.9;line-height:1.45}.example-list{margin:20px 0 24px;padding-left:1.25rem}.example-list li{margin-bottom:12px;color:var(--muted);font-size:1.1rem}.faq-list{display:grid;gap:12px;margin-top:8px}.faq-item{background:var(--surface);border:2px solid var(--line);border-radius:var(--radius-sm);padding:4px 18px;transition:border-color .2s ease}.faq-item[open]{border-color:var(--line-strong)}.faq-item summary{cursor:pointer;list-style:none;font-family:var(--font-heading);font-weight:650;font-size:1.15rem;color:var(--primary-dark);padding:16px 28px 16px 0;position:relative;line-height:1.35}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary:after{content:"+";position:absolute;right:0;top:50%;transform:translateY(-50%);width:28px;height:28px;display:grid;place-items:center;border-radius:8px;background:var(--sky-mid);color:var(--primary-dark);font-size:1.25rem;font-weight:700}.faq-item[open] summary:after{content:"–"}.faq-item summary:focus-visible{outline:4px solid var(--focus);outline-offset:3px;border-radius:6px}.faq-item p{margin:0 0 18px;color:var(--muted);font-size:1.08rem;max-width:none}.callout{background:var(--accent-soft);border-left:6px solid var(--accent);padding:22px 24px;margin:32px 0;border-radius:0 var(--radius-sm) var(--radius-sm) 0;font-size:1.1rem}.callout a{font-weight:700}.article{padding:56px 0 88px}.article h1{max-width:18ch;font-size:clamp(2rem,4vw,2.9rem)}.article h2{font-size:1.75rem;margin-top:44px}.article h3{margin-top:28px}.article p,.article li{color:var(--muted);font-size:1.1rem}.article-meta{color:var(--muted);font-size:1rem;margin-bottom:28px}.contents{background:var(--surface);border:2px solid var(--line);border-radius:var(--radius-sm);padding:22px 26px;margin:28px 0}.contents strong{display:block;font-family:var(--font-heading);margin-bottom:10px;color:var(--primary-dark)}.contents a{display:inline-block;padding:6px 0;font-weight:600;min-height:40px}.site-footer{background:linear-gradient(180deg,#0c4a6e,#082f49);color:#e0f2fe;padding:56px 0 28px;margin-top:24px}.footer-grid{display:grid;grid-template-columns:1.5fr .7fr .9fr;gap:40px}.footer-brand{color:#fff;margin-bottom:12px}.site-footer p{color:#bae6fd;font-size:1.05rem}.site-footer nav,.footer-sources{display:flex;flex-direction:column;gap:4px}.site-footer a{color:#e0f2fe;font-weight:600;padding:8px 0;text-decoration:none;transition:color .2s ease}.site-footer a:hover{color:#fff;text-decoration:underline}.footer-sources strong{font-family:var(--font-heading);color:#fff;margin-bottom:8px}.copyright{border-top:1px solid rgba(125,211,252,.25);margin-top:36px;padding-top:20px;color:#7dd3fc;font-size:1rem}@media(max-width:860px){body{font-size:18px}.container,.narrow{width:min(100% - 32px,1100px)}.nav-wrap{min-height:72px;flex-wrap:wrap;padding-block:10px}.menu-button{display:inline-flex;align-items:center}.site-header nav{display:none;width:100%;flex-direction:column;align-items:stretch;gap:4px;padding-bottom:12px}.site-header nav.open{display:flex}.site-header nav a{width:100%;padding:14px 16px;background:var(--sky)}.hero{padding:36px 0 52px}.hero-grid,.formula-grid,.steps,.footer-grid,.link-list{grid-template-columns:1fr;gap:24px}.hero-grid>:first-child{order:2}.hero-grid>.calculator{order:1}.brand-mark{display:none}.section{padding:48px 0}.section-panel{padding:28px 22px}.calculator-body,.calculator-head{padding:22px}.link-card{min-height:auto}.article{padding:40px 0 64px}h1{max-width:none}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important}}