:root{
  --ground:#F5F8F6; --surface:#FFFFFF; --ink:#13201B; --ink-2:#4B5B55; --rule:#D5DED9; --field:#FFFFFF;
  --accent:#0E6B5C; --accent-ink:#FFFFFF; --accent-soft:#DCEEE9;
  --keep:#1F7A4D; --fee:#C2562F; --wd:#B7852A; --con:#6E6AA8;
  --warn-bg:#F7EBD6; --warn:#8A5A12;
  --font:system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --mono:ui-monospace, "SF Mono", "Cascadia Mono", Consolas, monospace;
}
@media (prefers-color-scheme: dark){
  :root:not([data-theme="light"]){
    --ground:#0E1513; --surface:#151F1C; --ink:#E2EBE7; --ink-2:#9DB0A9; --rule:#2A3833; --field:#0F1815;
    --accent:#5CC6AE; --accent-ink:#0E1513; --accent-soft:#17332C;
    --keep:#6FD39C; --fee:#EE8A68; --wd:#E2B85E; --con:#A7A3E0;
    --warn-bg:#33280F; --warn:#E6B566;
  }
}
:root[data-theme="dark"]{
  --ground:#0E1513; --surface:#151F1C; --ink:#E2EBE7; --ink-2:#9DB0A9; --rule:#2A3833; --field:#0F1815;
  --accent:#5CC6AE; --accent-ink:#0E1513; --accent-soft:#17332C;
  --keep:#6FD39C; --fee:#EE8A68; --wd:#E2B85E; --con:#A7A3E0;
  --warn-bg:#33280F; --warn:#E6B566;
}
*{box-sizing:border-box}
[hidden]{display:none!important}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--ground);color:var(--ink);font:16px/1.55 var(--font);padding-inline:18px;padding-block:28px 72px}
.wrap{max-width:1040px;margin:0 auto;display:flex;flex-direction:column;gap:48px}
a{color:var(--accent);text-underline-offset:2px}
:focus-visible{outline:2px solid var(--accent);outline-offset:2px}
h1,h2,h3{margin:0;line-height:1.2;text-wrap:balance}
h1{font-size:clamp(1.8rem,4.2vw,2.5rem);letter-spacing:-.02em;font-weight:750}
h2{font-size:1.45rem;letter-spacing:-.01em}
h3{font-size:1.05rem}
p{margin:0}
.num{font-family:var(--mono);font-variant-numeric:tabular-nums}
.brand{font:600 .8rem/1 var(--mono);letter-spacing:.1em;text-transform:uppercase;color:var(--accent);text-decoration:none}
header.top{display:flex;flex-direction:column;gap:12px}
.lede{color:var(--ink-2);max-width:62ch;font-size:1.05rem}
.checked{font:400 .8rem/1.4 var(--mono);color:var(--ink-2)}

/* calculator */
.calc{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);gap:24px;align-items:start}
@media (max-width:820px){.calc{grid-template-columns:1fr}}
.panel{background:var(--surface);border:1px solid var(--rule);border-radius:12px;padding:22px;display:flex;flex-direction:column;gap:22px}
fieldset{border:0;margin:0;padding:0;display:flex;flex-direction:column;gap:10px;min-width:0}
legend,.label{font-weight:600;font-size:.92rem;padding:0;margin-bottom:2px}
.hint{font-size:.82rem;color:var(--ink-2)}
.seg{display:grid;grid-auto-flow:column;grid-auto-columns:1fr;background:var(--ground);border:1px solid var(--rule);border-radius:9px;padding:3px;gap:3px}
.seg input{position:absolute;opacity:0;pointer-events:none}
.seg label{text-align:center;padding:9px 8px;border-radius:7px;font-size:.9rem;cursor:pointer;color:var(--ink-2);line-height:1.25}
.seg input:checked + label{background:var(--surface);color:var(--ink);font-weight:600;box-shadow:0 1px 2px rgba(0,0,0,.08)}
.seg input:focus-visible + label{outline:2px solid var(--accent);outline-offset:1px}
.row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media (max-width:420px){.row{grid-template-columns:1fr}}
.field{display:flex;flex-direction:column;gap:6px;min-width:0}
.field label{font-size:.85rem;color:var(--ink-2)}
.money{position:relative}
.money span{position:absolute;left:12px;top:50%;transform:translateY(-50%);color:var(--ink-2);font-family:var(--mono)}
.suffix{position:relative}
.suffix span{position:absolute;right:12px;top:50%;transform:translateY(-50%);color:var(--ink-2);font-family:var(--mono)}
.money input[type=number]{padding-left:28px}
.suffix input[type=number]{padding-right:30px}
input[type=number],select{width:100%;font:500 1rem/1.2 var(--mono);font-variant-numeric:tabular-nums;color:var(--ink);background:var(--field);border:1px solid var(--rule);border-radius:8px;padding:11px 12px;appearance:none;-moz-appearance:textfield}
input[type=number]::-webkit-inner-spin-button{opacity:.4}
select{font-family:var(--font);font-weight:500;background-image:linear-gradient(45deg,transparent 50%,var(--ink-2) 50%),linear-gradient(135deg,var(--ink-2) 50%,transparent 50%);background-position:calc(100% - 18px) 52%,calc(100% - 13px) 52%;background-size:5px 5px;background-repeat:no-repeat;padding-right:34px}
input[type=range]{width:100%;accent-color:var(--accent)}
.check{display:flex;gap:10px;align-items:flex-start;font-size:.92rem;cursor:pointer}
.check input{width:18px;height:18px;margin:2px 0 0;accent-color:var(--accent);flex:none}
.sub-block{display:flex;flex-direction:column;gap:10px;padding:14px;border-radius:9px;background:var(--ground)}

/* result */
.result{position:sticky;top:16px}
.result .panel{gap:18px}
.big-label{font-size:.85rem;color:var(--ink-2)}
.big{font:650 clamp(2.2rem,6vw,3rem)/1.05 var(--mono);font-variant-numeric:tabular-nums;letter-spacing:-.02em}
.kept{font-size:.9rem;color:var(--ink-2)}
.kept strong{color:var(--keep)}
.bar{display:flex;height:14px;border-radius:7px;overflow:hidden;background:var(--rule)}
.bar i{display:block;height:100%;transition:width .25s ease}
@media (prefers-reduced-motion:reduce){.bar i{transition:none}}
.b-keep{background:var(--keep)} .b-fee{background:var(--fee)} .b-wd{background:var(--wd)} .b-con{background:var(--con)}
.lines{display:flex;flex-direction:column}
.line{display:grid;grid-template-columns:auto 1fr auto;gap:10px;align-items:center;padding:9px 0;border-bottom:1px solid var(--rule);font-size:.92rem}
.line:last-child{border-bottom:0;font-weight:650}
.sw{width:10px;height:10px;border-radius:3px}
.line .v{font-family:var(--mono);font-variant-numeric:tabular-nums;text-align:right;white-space:nowrap}
.line .minus{color:var(--ink-2)}
.insight{font-size:.88rem;background:var(--accent-soft);border-radius:9px;padding:12px 14px}
.warnbox{font-size:.88rem;background:var(--warn-bg);color:var(--warn);border-radius:9px;padding:12px 14px}
.actions{display:flex;gap:10px;flex-wrap:wrap}
button{font:600 .9rem/1 var(--font);border-radius:8px;padding:11px 14px;cursor:pointer;border:1px solid var(--rule);background:var(--surface);color:var(--ink)}
button.primary{background:var(--accent);color:var(--accent-ink);border-color:var(--accent)}

/* article */
article{display:flex;flex-direction:column;gap:36px;max-width:72ch}
article section{display:flex;flex-direction:column;gap:12px}
article p,article li{color:var(--ink-2)}
article ul{margin:0;padding-left:1.2em;display:flex;flex-direction:column;gap:6px}
.tbl{overflow-x:auto;border:1px solid var(--rule);border-radius:10px;background:var(--surface)}
table{border-collapse:collapse;width:100%;font-size:.92rem}
th,td{text-align:left;padding:10px 14px;border-bottom:1px solid var(--rule)}
tr:last-child td{border-bottom:0}
th{font-size:.78rem;text-transform:uppercase;letter-spacing:.06em;color:var(--ink-2);background:var(--ground)}
td.n{font-family:var(--mono);font-variant-numeric:tabular-nums;white-space:nowrap}
details{border-bottom:1px solid var(--rule);padding:12px 0}
summary{cursor:pointer;font-weight:600}
details p{margin-top:8px}
footer{font-size:.82rem;color:var(--ink-2);border-top:1px solid var(--rule);padding-top:18px;display:flex;flex-direction:column;gap:6px;max-width:72ch}

/* links to other tools */
.more{display:flex;gap:10px;flex-wrap:wrap}
.more a{font-weight:600;font-size:.92rem;text-decoration:none;border:1px solid var(--rule);background:var(--surface);border-radius:8px;padding:10px 14px}
.more a:hover{border-color:var(--accent)}