:root{--background:#fff;--foreground:#1e293b;--card:#f8fafc;--card-border:#e2e8f0;--muted:#f1f5f9;--muted-foreground:#64748b;--primary:#2563eb;--primary-hover:#1d4ed8;--primary-soft:#eff6ff;--ring:#3b82f6;--highlight-bg:#eff6ff;--red:#b91c1c;--radius:1rem;--shadow:0 1px 3px rgba(37,99,235,.06),0 4px 12px rgba(37,99,235,.08)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Open Sans,-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Helvetica Neue,Arial,sans-serif;color:var(--foreground);background:var(--background);line-height:1.65;-webkit-font-smoothing:antialiased}.container{max-width:980px;margin:0 auto;padding:0 20px}.site-header{background:var(--foreground);color:#fff;position:-webkit-sticky;position:sticky;top:0;z-index:10}.header-inner{display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;padding:14px 20px}.brand{color:#fff;text-decoration:none;font-weight:800;font-size:1.15rem;letter-spacing:-.01em}.brand-mark{margin-right:6px}.main-nav{display:flex;gap:14px;flex-wrap:wrap}.nav-link{color:hsla(0,0%,100%,.78);text-decoration:none;font-size:.9rem;transition:color .15s}.nav-link:hover{color:#fff}main{padding:36px 0 56px}h1{font-size:2rem;line-height:1.22;margin:6px 0 12px;letter-spacing:-.02em}h2{font-size:1.4rem;margin-top:36px;letter-spacing:-.01em}.lead{color:var(--muted-foreground);font-size:1.06rem;max-width:720px}.card{background:var(--card);border:1px solid var(--card-border);border-radius:var(--radius);padding:24px;margin:20px 0;box-shadow:var(--shadow)}.calc{display:grid;grid-gap:20px;gap:20px}.calc-fields{display:grid;grid-gap:16px;gap:16px}.calc-field{display:grid;grid-gap:6px;gap:6px}.calc-label{font-weight:600;font-size:.9rem}.calc-input{display:flex;align-items:center;border:1px solid var(--card-border);border-radius:.75rem;overflow:hidden;background:#fff;transition:border-color .15s,box-shadow .15s}.calc-input:focus-within{border-color:var(--ring);box-shadow:0 0 0 3px rgba(59,130,246,.15)}.calc-affix{padding:0 12px;color:var(--muted-foreground);background:var(--muted);font-size:.95rem}.calc-input input{width:100%;padding:11px 14px;border:none;outline:none;font-size:1rem;min-width:0;background:transparent}.calc-help{color:var(--muted-foreground);font-size:.8rem}.calc-result{display:grid;grid-gap:8px;gap:8px;background:var(--muted);border:1px solid var(--card-border);border-radius:.75rem;padding:16px 18px}.calc-row{display:flex;justify-content:space-between;gap:12px;font-size:.95rem}.calc-row.highlight{background:var(--highlight-bg);border-radius:8px;padding:7px 10px;font-weight:700;color:var(--primary-hover)}.calc-footnote{color:var(--muted-foreground);font-size:.82rem;margin:4px 0 0}.tool-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));grid-gap:16px;gap:16px;margin-top:16px}.tool-card{background:#fff;border:1px solid var(--card-border);border-radius:var(--radius);padding:18px;text-decoration:none;color:var(--foreground);box-shadow:var(--shadow);transition:transform .12s,border-color .15s,box-shadow .15s}.tool-card:hover{transform:translateY(-2px);border-color:var(--ring);box-shadow:0 6px 20px rgba(37,99,235,.14)}.tool-card h3{margin:0 0 5px;font-size:1.02rem;color:var(--primary-hover)}.tool-card p{margin:0;font-size:.87rem;color:var(--muted-foreground)}.faq details{border-bottom:1px solid var(--card-border);padding:14px 0}.faq summary{cursor:pointer;font-weight:600;color:var(--foreground)}.faq summary:before{content:"▸ ";color:var(--primary)}.faq details[open] summary:before{content:"▾ "}.faq p{margin:8px 0 0;color:var(--foreground)}.site-footer{background:var(--foreground);color:hsla(0,0%,100%,.75);padding:32px 0 24px;margin-top:48px;font-size:.85rem}.footer-nav{display:flex;gap:16px;flex-wrap:wrap;margin-bottom:16px}.footer-nav a{color:hsla(0,0%,100%,.8);text-decoration:none}.footer-nav a:hover{color:#fff;text-decoration:underline}.footer-disclaimer{max-width:720px;margin:0 0 12px}.footer-copy{margin:0;color:hsla(0,0%,100%,.5)}.finance-note{color:var(--muted-foreground);font-size:.82rem;border-left:3px solid var(--primary);padding:4px 12px;background:var(--muted);border-radius:4px;margin:14px 0}.trust-badges{display:flex;flex-wrap:wrap;gap:8px;justify-content:center;margin:-4px 0 18px;font-size:.85rem;font-weight:600;color:var(--primary-hover);letter-spacing:.01em}.trust-badges span[aria-hidden=true]{color:var(--muted-foreground);font-weight:400}.calc-extra{display:grid;grid-gap:16px;gap:16px;margin-top:4px}.calc-extra .results-title{font-size:.95rem;margin:0 0 6px;color:var(--foreground)}.results-empty{color:var(--muted-foreground);font-size:.85rem;margin:8px 0 0}.results-table-wrap{overflow-x:auto;border:1px solid var(--card-border);border-radius:var(--radius);background:#fff}.results-table{width:100%;border-collapse:collapse;font-size:.82rem;min-width:560px}.results-table td,.results-table th{padding:8px 10px;text-align:right;white-space:nowrap}.results-table th{position:-webkit-sticky;position:sticky;top:0;background:var(--muted);color:var(--foreground);font-weight:600;border-bottom:1px solid var(--card-border)}.results-table tbody td:first-child,.results-table thead th:first-child{text-align:left}.results-table tbody tr:nth-child(2n){background:var(--primary-soft)}.results-table tbody tr:hover{background:#dbeafe}.results-chart-wrap{background:#fff;border:1px solid var(--card-border);border-radius:var(--radius);padding:12px}.results-chart{width:100%;height:auto;display:block}.chart-legend{display:flex;flex-wrap:wrap;gap:14px;justify-content:center;list-style:none;margin:10px 0 0;padding:0;font-size:.82rem;color:var(--foreground)}.chart-legend li{display:flex;align-items:center;gap:6px}.legend-swatch{display:inline-block;width:12px;height:12px;border-radius:3px}.payout-gauge{background:#fff;border:1px solid var(--card-border);border-radius:var(--radius);padding:16px;display:grid;grid-gap:10px;gap:10px}.payout-gauge-tier{font-weight:700;font-size:1.05rem}.payout-gauge-desc{color:var(--muted-foreground);font-size:.85rem}.payout-bar{position:relative;display:flex;height:14px;border-radius:7px;overflow:hidden;border:1px solid var(--card-border)}.payout-seg{display:block;height:100%}.payout-marker{position:absolute;top:-4px;bottom:-4px;width:3px;background:var(--foreground);border-radius:2px;transform:translateX(-50%);box-shadow:0 0 0 2px #fff}.payout-scale{justify-content:space-between;font-size:.72rem}.ad-slot,.payout-scale{display:flex;color:var(--muted-foreground)}.ad-slot{min-height:90px;margin:20px 0;justify-content:center;align-items:center;background:var(--muted);border:1px dashed var(--card-border);border-radius:var(--radius);font-size:.8rem}.prose{max-width:760px}.prose h2{font-size:1.25rem;margin-top:28px}.prose ul{padding-left:20px}.prose table{width:100%;border-collapse:collapse;margin:16px 0;font-size:.9rem}.prose table td,.prose table th{padding:8px 10px;border:1px solid var(--card-border);text-align:left}.prose table th{background:var(--muted);font-weight:600}.prose table tbody tr:nth-child(2n){background:var(--primary-soft)}.prose table{display:block;overflow-x:auto}@media (max-width:640px){h1{font-size:1.6rem}.header-inner{flex-direction:column;align-items:flex-start}}