:root{--bg:#f7f7f5;--card:#fff;--ink:#1c1f23;--muted:#5b6470;--line:#e2e4e8;--brand:#0f7a55;--brand-ink:#fff;--accent:#16874f;--up:#b42318;--down:#067647;--radius:14px;--shadow:0 1px 2px rgba(0,0,0,.05),0 4px 16px rgba(0,0,0,.05)}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font:16px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;background:var(--bg);color:var(--ink)}
.wrap{max-width:960px;margin:0 auto;padding:0 16px}
a{color:var(--brand)}
.skip{position:absolute;left:-999px;top:0;background:var(--brand);color:#fff;padding:8px 12px;z-index:10}
.skip:focus{left:8px}
.visually-hidden{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.site-header{background:var(--card);border-bottom:1px solid var(--line)}
.site-header .wrap{padding-top:12px;padding-bottom:12px}
.brand{display:inline-flex;align-items:center;gap:10px;font-weight:700;color:var(--ink);text-decoration:none}
.logo{display:block;width:32px;height:32px;flex:none}
.hero{padding-top:28px;padding-bottom:8px}
h1{font-size:clamp(1.75rem,5vw,2.5rem);line-height:1.15;margin:0 0 10px}
.lead{color:var(--muted);font-size:1.05rem;margin:0;max-width:60ch}
.tool{display:grid;gap:16px;padding-top:16px;padding-bottom:24px}
@media(min-width:840px){.tool{grid-template-columns:1.2fr 1fr;align-items:start}.tool .impact{grid-column:1/-1}.result{position:sticky;top:16px}}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:18px}
fieldset{border:0;margin:0;padding:0}
legend,.label,label{font-weight:600}
.field{margin-bottom:16px}
.field>label,.field>.label{display:block;margin-bottom:6px}
.opt{font-weight:400;color:var(--muted);font-size:.9em}
.hint{color:var(--muted);font-size:.9rem;margin:6px 0 0}
.mode{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:16px}
.mode legend{margin-bottom:8px;width:100%}
.pill{display:inline-flex;align-items:center;gap:6px;border:1px solid var(--line);border-radius:999px;padding:8px 14px;cursor:pointer;font-weight:500}
.pill:has(input:checked){border-color:var(--brand);background:#e7f5ee}
.money{display:flex;align-items:center;border:1px solid #c9cdd3;border-radius:10px;background:#fff;padding:0 12px;min-height:48px}
.money:focus-within{outline:3px solid rgba(15,122,85,.35);border-color:var(--brand)}
.money span{color:var(--muted)}
.money input,#per-year{flex:1;border:0;outline:0;font:inherit;font-size:1.15rem;padding:10px 8px;min-width:0;background:transparent;color:inherit}
#per-year{border:1px solid #c9cdd3;border-radius:10px;width:100%;max-width:220px}
input[aria-invalid=true]{color:var(--up)}
.row{display:grid;gap:0 16px}
@media(min-width:520px){.row{grid-template-columns:1fr 1fr}}
.items{list-style:none;margin:0 0 8px;padding:0;display:grid;gap:8px}
.items li{display:flex;gap:8px}
.items .money{flex:1}
.remove{width:48px;border:1px solid var(--line);background:#fff;border-radius:10px;font-size:1.3rem;cursor:pointer;color:var(--muted)}
.btn-ghost{border:1px dashed var(--brand);background:transparent;color:var(--brand);border-radius:10px;padding:10px 14px;font:inherit;font-weight:600;cursor:pointer;min-height:44px}
.methods legend{margin-bottom:8px}
.method{display:flex;gap:10px;align-items:flex-start;border:1px solid var(--line);border-radius:10px;padding:10px 12px;margin-bottom:8px;cursor:pointer;font-weight:400}
.method:has(input:checked){border-color:var(--brand);background:#eff8f3}
.method input{margin-top:5px}
.method small{display:block;color:var(--muted);font-size:.88rem}
.check{display:flex;gap:8px;align-items:flex-start;font-weight:400;font-size:.95rem}
.check input{margin-top:5px}
input[type=radio],input[type=checkbox]{accent-color:var(--brand);width:18px;height:18px}
.error{color:var(--up);font-weight:600;margin:12px 0 0}
.result .big{background:var(--brand);color:var(--brand-ink);border-radius:10px;padding:16px;text-align:center;margin-bottom:12px}
.result .k{display:block;font-size:.9rem;opacity:.9}
.result .v{display:block;font-size:clamp(2.2rem,8vw,3rem);font-weight:800;letter-spacing:-.02em;font-variant-numeric:tabular-nums}
.breakdown{margin:0}
.breakdown div{display:flex;justify-content:space-between;gap:12px;padding:8px 0;border-bottom:1px solid var(--line)}
.breakdown div[hidden]{display:none}
.breakdown dt{color:var(--muted)}
.breakdown dd{margin:0;font-weight:700;font-variant-numeric:tabular-nums;text-align:right}
.breakdown dd.up{color:var(--up)}.breakdown dd.down{color:var(--down)}
.note{color:var(--muted);font-size:.9rem;margin:12px 0 0}
.impact summary{font-weight:700;cursor:pointer}
.impact[open] summary{margin-bottom:12px}
.content{padding-bottom:40px}
.content section{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:4px 20px 12px;margin-bottom:16px}
.content h2{font-size:1.35rem;line-height:1.25;margin:18px 0 10px}
.content li{margin-bottom:6px}
.table-wrap{overflow-x:auto}
table{border-collapse:collapse;width:100%;font-variant-numeric:tabular-nums;font-size:.95rem}
caption{text-align:left;color:var(--muted);font-size:.9rem;padding-bottom:6px}
th,td{padding:8px 10px;border-bottom:1px solid var(--line);text-align:left;white-space:nowrap}
thead th{background:#f0f6f2}
.ex{color:var(--muted);font-weight:400;font-size:.85em}
#faq details{border-bottom:1px solid var(--line);padding:10px 0}
#faq summary{font-weight:600;cursor:pointer}
#faq details p{margin:8px 0 0}
.site-footer{border-top:1px solid var(--line);background:var(--card);padding:20px 0;color:var(--muted);font-size:.9rem}
.site-footer nav{display:flex;gap:16px;flex-wrap:wrap;margin-bottom:8px}
:focus-visible{outline:3px solid rgba(15,122,85,.5);outline-offset:2px}
@media(prefers-reduced-motion:no-preference){.pill,.method{transition:background .15s,border-color .15s}}
/* ===== site shell (hub) ===== */
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:12px;flex-wrap:wrap}
.main-nav{display:flex;gap:4px}
.main-nav a{color:var(--muted);text-decoration:none;padding:8px 10px;border-radius:8px;font-weight:500}
.main-nav a:hover,.main-nav a[aria-current=page]{color:var(--brand);background:#e7f5ee}
.breadcrumbs{font-size:.88rem;color:var(--muted);padding-top:12px}
.breadcrumbs ol{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:6px}
.breadcrumbs li+li::before{content:"›";margin-right:6px;color:#9aa1ab}
.breadcrumbs a{color:var(--muted)}
.section-title{font-size:1.35rem;margin:16px 0 12px}
.tool-grid{list-style:none;margin:0 0 12px;padding:0;display:grid;gap:16px;grid-template-columns:repeat(auto-fill,minmax(260px,1fr))}
.tool-card{display:flex;gap:14px;background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:18px;color:inherit;text-decoration:none;height:100%;transition:border-color .15s,transform .15s}
.tool-card:hover{border-color:var(--brand);transform:translateY(-1px)}
.tool-card .ticon{flex:none;display:grid;place-items:center;width:48px;height:48px;border-radius:12px;background:var(--accent);color:#fff;font-weight:800}
.tool-card h3{margin:0 0 4px;font-size:1.1rem;color:var(--brand)}
.tool-card p{margin:0;color:var(--muted);font-size:.95rem}
.page-home .content{padding-top:12px}
.narrow{max-width:760px;padding-top:24px}
.content section h1{font-size:clamp(1.6rem,4.5vw,2.1rem);margin:18px 0 10px}
.legal h3{font-size:1.05rem;margin:16px 0 6px}
.btn{display:inline-block;background:var(--brand);color:#fff;text-decoration:none;padding:10px 18px;border-radius:10px;font-weight:600}
.contact-email{font-size:1.1rem}
@media(max-width:480px){.header-inner{flex-wrap:nowrap}.brand{font-size:.95rem;gap:8px}.main-nav a{padding:6px 7px;font-size:.92rem}}
/* mobile sticky result bar */
.mobile-bar{position:fixed;left:0;right:0;bottom:0;z-index:5;background:var(--brand);color:#fff;display:flex;justify-content:space-between;align-items:center;gap:12px;padding:10px 16px calc(10px + env(safe-area-inset-bottom));box-shadow:0 -4px 16px rgba(0,0,0,.15);font-variant-numeric:tabular-nums}
.mobile-bar[hidden]{display:none}
.mobile-bar strong{font-size:1.35rem}
.mobile-bar a{color:#fff;font-size:.9rem}
@media(min-width:840px){.mobile-bar{display:none!important}}