:root{--ink:#16181d;--body:#2b2e35;--muted:#6b6f78;--line:#e4e6ea;--soft:#f6f7f9;--accent:#1f5fbf;--accent-ink:#174a95;--good:#1f6b3f;--warn-bg:#fdf7e7;--warn-line:#f0e2bd;--warn-ink:#7a5d12}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:#fff;color:var(--body);font:16px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif}
a{color:var(--accent)}a:hover{color:var(--accent-ink)}
.wrap{max-width:760px;margin:0 auto;padding:0 16px}
header.site{border-bottom:1px solid var(--line)}
header.site .wrap{display:flex;align-items:center;gap:16px;height:56px}
.brand{font-weight:700;color:var(--ink);text-decoration:none;letter-spacing:-.01em}
.brand span{color:var(--accent)}
nav.top{margin-left:auto;display:flex;gap:16px;font-size:14px}
nav.top a{color:var(--body);text-decoration:none}nav.top a:hover{color:var(--accent)}
main{padding:24px 0 48px}
.crumbs{font-size:13px;color:var(--muted);margin-bottom:8px}.crumbs a{color:var(--muted)}
h1{font-size:28px;line-height:1.25;color:var(--ink);margin:0 0 8px;letter-spacing:-.01em}
h2{font-size:21px;color:var(--ink);margin:36px 0 10px;line-height:1.3}
h3{font-size:17px;color:var(--ink);margin:24px 0 6px}
.lede{font-size:17px;margin:0 0 6px}
.meta{font-size:13px;color:var(--muted);margin-bottom:20px}
.calc{border:1px solid var(--line);border-radius:6px;overflow:hidden;margin:20px 0}
.calc form{padding:16px;display:grid;grid-template-columns:1fr 1fr;gap:12px 16px}
.calc .full{grid-column:1/-1}
.field label{display:block;font-size:13px;font-weight:600;color:var(--ink);margin-bottom:4px}
.field .hint{font-size:12px;color:var(--muted);margin-top:3px}
input,select{width:100%;height:40px;border:1px solid #cfd3da;border-radius:4px;padding:0 10px;font:inherit;font-size:16px;color:var(--ink);background:#fff}
input:focus,select:focus{outline:2px solid var(--accent);outline-offset:1px;border-color:var(--accent)}
.seg{display:flex;border:1px solid #cfd3da;border-radius:4px;overflow:hidden}
.seg button{flex:1;height:38px;border:0;background:#fff;font:inherit;font-size:14px;cursor:pointer;color:var(--body)}
.seg button+button{border-left:1px solid #cfd3da}
.seg button[aria-pressed=true]{background:var(--accent);color:#fff}
details.more{grid-column:1/-1;border-top:1px solid var(--line);padding-top:8px}
details.more summary{cursor:pointer;font-size:14px;font-weight:600;color:var(--accent);padding:4px 0}
details.more .grid{display:grid;grid-template-columns:1fr 1fr;gap:12px 16px;margin-top:10px}
.check{display:flex;gap:8px;align-items:flex-start;font-size:14px}.check input{width:18px;height:18px;margin-top:3px}
.result{background:var(--soft);border-top:1px solid var(--line);padding:16px}
.takehome{display:flex;align-items:baseline;gap:10px;flex-wrap:wrap}
.takehome .v{font-size:32px;font-weight:700;color:var(--good);font-variant-numeric:tabular-nums}
.takehome .l{font-size:14px;color:var(--muted)}
table{width:100%;border-collapse:collapse;font-size:14px;font-variant-numeric:tabular-nums}
th,td{text-align:left;padding:7px 8px;border-bottom:1px solid var(--line)}
th{font-size:12px;text-transform:uppercase;letter-spacing:.04em;color:var(--muted);font-weight:600}
td.n,th.n{text-align:right;white-space:nowrap}
tr.total td{font-weight:700;color:var(--ink);border-bottom:0}
.breakdown{margin-top:12px;background:#fff;border:1px solid var(--line);border-radius:4px}
.how{margin-top:12px;font-size:14px}.how summary{cursor:pointer;color:var(--accent);font-weight:600}
.note{font-size:13px;background:var(--warn-bg);border:1px solid var(--warn-line);color:var(--warn-ink);border-radius:4px;padding:8px 10px;margin-top:10px}
.small{font-size:13px;color:var(--muted)}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:12px;margin:16px 0}
.card{border:1px solid var(--line);border-radius:6px;padding:14px;text-decoration:none;color:var(--body)}
.card:hover{border-color:var(--accent)}.card b{display:block;color:var(--ink);margin-bottom:2px}
.card.off{opacity:.6;pointer-events:none}
.sources li{margin:4px 0;font-size:14px}
.faq h3{margin-top:18px}
footer.site{border-top:1px solid var(--line);font-size:13px;color:var(--muted);padding:20px 0 40px}
footer.site nav{display:flex;flex-wrap:wrap;gap:14px;margin-bottom:8px}footer.site a{color:var(--muted)}
@media (max-width:560px){h1{font-size:24px}.calc form,details.more .grid{grid-template-columns:1fr}nav.top{gap:12px;font-size:13px}.takehome .v{font-size:28px}}