:root{--bg:#FBF7F0;--ink:#1C1B1F;--mut:#5B5560;--card:#fff;--rule:#E6DDCF;--coral:#E8553D;--coral-d:#B3361F;--violet:#4B3FA8;--sun:#FFD36B;--ok:#1E7B4F}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font:17px/1.6 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif}
.wrap{max-width:1040px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;padding:8px 12px;z-index:9}
a{color:var(--coral-d)}a:hover{color:var(--violet)}
:focus-visible{outline:3px solid var(--violet);outline-offset:2px;border-radius:4px}

.top{background:var(--bg);border-bottom:1px solid var(--rule)}
.hbar{display:flex;flex-wrap:wrap;gap:12px 28px;align-items:center;justify-content:space-between;padding-top:14px;padding-bottom:14px}
.brand{font:700 26px/1.1 Georgia,"Times New Roman",serif;color:var(--ink);text-decoration:none;letter-spacing:-.01em}
.brand small{display:block;font:500 13px/1.3 -apple-system,"Segoe UI",sans-serif;color:var(--mut);letter-spacing:0}
.brand::before{content:"";display:inline-block;width:14px;height:14px;border-radius:50%;background:var(--coral);margin-right:8px;vertical-align:1px;box-shadow:6px 0 0 -2px var(--violet)}
nav{display:flex;flex-wrap:wrap;gap:4px 18px}nav a{color:var(--ink);text-decoration:none;padding:6px 2px;border-bottom:3px solid transparent;font-weight:600;font-size:15px}
nav a:hover{border-color:var(--sun)}nav a[aria-current]{border-color:var(--coral)}
h1,h2,h3{font-family:Georgia,"Times New Roman",serif;line-height:1.15;letter-spacing:-.015em}
h1{font-size:clamp(34px,6vw,58px);margin:.5em 0 .25em}h2{font-size:clamp(26px,3.6vw,36px);margin:1.6em 0 .4em}h3{font-size:21px;margin:1.2em 0 .3em}
.lede{font-size:clamp(18px,2.4vw,22px);color:var(--mut);max-width:46em}
.hero{padding:30px 0 6px}.eyebrow{font:700 13px/1 -apple-system,sans-serif;letter-spacing:.12em;text-transform:uppercase;color:var(--violet)}
.answer{background:#fff;border:2px solid var(--ink);border-left:10px solid var(--coral);border-radius:14px;padding:14px 18px;margin:16px 0 4px;max-width:52em}
.answer h2{font:800 13px/1.2 -apple-system,sans-serif;letter-spacing:.1em;text-transform:uppercase;margin:0 0 6px}
.answer ul{margin:.2em 0 0;padding-left:1.05em}.answer li{margin:.3em 0}.answer p{margin:.4em 0 0}
.answer .jump{font-weight:700;margin-top:8px}
@media(max-width:560px){.hero{padding:16px 0 2px}h1{font-size:clamp(27px,8.4vw,38px)}.lede{font-size:16.5px}.answer{padding:12px 14px;border-left-width:8px;font-size:15.5px;line-height:1.5}}
@media(max-width:620px){.hbar{padding-top:10px;padding-bottom:8px;gap:8px}.brand{font-size:23px}.brand small{font-size:11.5px}nav{flex-wrap:nowrap;overflow-x:auto;width:100%;gap:14px;padding-bottom:2px;scrollbar-width:none}nav::-webkit-scrollbar{display:none}nav a{white-space:nowrap;font-size:14px;padding:4px 0}}
.calc{background:var(--card);border:2px solid var(--ink);border-radius:20px;box-shadow:8px 8px 0 var(--ink);padding:22px;margin:26px 0;display:grid;gap:22px;grid-template-columns:minmax(0,5fr) minmax(0,7fr)}
@media(max-width:820px){.calc{grid-template-columns:1fr;box-shadow:5px 5px 0 var(--ink)}}
.calc fieldset{border:0;padding:0;margin:0 0 14px}legend{font-weight:700;padding:0;margin-bottom:6px}
.seg{display:inline-flex;border:2px solid var(--ink);border-radius:999px;overflow:hidden;margin:2px 0 14px}
.seg label{padding:8px 16px;cursor:pointer;font-weight:700;font-size:15px}.seg input{position:absolute;opacity:0}
.seg input:checked+span{background:var(--ink);color:#fff}.seg span{display:block;margin:-8px -16px;padding:8px 16px}
.seg label:focus-within{outline:3px solid var(--violet);outline-offset:2px}
.f{display:block;margin:0 0 14px}.f>span{display:block;font-weight:600;font-size:15px;margin-bottom:4px}
.f input[type=number]{width:100%;font:600 20px/1.2 inherit;padding:10px 12px;border:2px solid var(--ink);border-radius:12px;background:#fff;color:var(--ink)}
.f input[type=range]{width:100%;accent-color:var(--coral)}
.help{font-size:14px;color:var(--mut);margin:2px 0 0}
.gross{background:var(--bg);border:2px dashed var(--rule);border-radius:12px;padding:10px 14px;font-size:15px}.gross b{font:700 26px Georgia,serif;display:block}
#rows{list-style:none;margin:0;padding:0;display:grid;gap:10px}
.row{display:grid;grid-template-columns:minmax(0,1.3fr) minmax(0,1fr) auto;gap:6px 14px;align-items:center;border:2px solid var(--rule);border-radius:14px;padding:12px 14px;background:#fff}
.row.low{border-color:var(--ok);background:#F1FAF5}
.who span{color:var(--mut)}.bar i{display:block;height:10px;background:var(--coral);border-radius:6px}.bar{background:#F1E9DD;border-radius:6px}
.num b{font:700 22px Georgia,serif;display:block;text-align:right}.num small,.keep{font-size:13px;color:var(--mut)}.num{text-align:right}
.keep{grid-column:1/-1}.keep b{color:var(--ok)}
.basis{grid-column:1/-1;font-size:12.5px;color:var(--mut);border-top:1px dashed var(--rule);padding-top:6px;line-height:1.45}
.warnline{color:var(--coral-d);font-weight:600}
[aria-invalid="true"]{border-color:#c0392b!important;box-shadow:0 0 0 1px #c0392b}
.empty{grid-column:1/-1;padding:14px;border:1px dashed var(--rule);border-radius:12px;color:var(--mut)}
.tw:focus-visible{outline:3px solid var(--violet)}
@media(max-width:560px){.row{grid-template-columns:1fr}.num,.num b{text-align:left}}
.tag{display:inline-block;font-size:11px;font-weight:700;letter-spacing:.04em;text-transform:uppercase;background:var(--sun);color:#3a2a00;border-radius:999px;padding:1px 8px;vertical-align:2px}
.lowline{font-weight:600;margin:12px 0 0}
.cards{display:grid;gap:16px;grid-template-columns:repeat(auto-fit,minmax(250px,1fr))}
.c{background:#fff;border:2px solid var(--rule);border-radius:16px;padding:16px 18px}.c h3{margin-top:0}
.c.k{border-color:var(--ink)}
.tw{overflow-x:auto;border:2px solid var(--rule);border-radius:14px;background:#fff;margin:14px 0}
table{border-collapse:collapse;width:100%;font-size:15px}th,td{padding:10px 12px;border-bottom:1px solid var(--rule);text-align:left;vertical-align:top}
th{background:#F3ECDF;font-size:13px;letter-spacing:.05em;text-transform:uppercase}td.n,th.n{text-align:right;white-space:nowrap}
tr:last-child td{border-bottom:0}small,.small{font-size:13.5px;color:var(--mut)}
.formula{font:15px/1.5 ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;background:#1C1B1F;color:#FFE9B0;border-radius:12px;padding:14px 16px;overflow-x:auto;white-space:pre-wrap}
.callout{border-left:6px solid var(--violet);background:#fff;padding:12px 16px;border-radius:0 12px 12px 0;margin:16px 0}
.warn{border-left-color:var(--coral)}
.foot{margin-top:56px;border-top:2px solid var(--ink);background:#F3ECDF;padding:22px 0 34px;font-size:14px;color:#3b363f}
ul.clean{padding-left:1.1em}