:root{--navy:#15233a;--ink:#1c2733;--muted:#5f6e7e;--line:#e4e9f0;--bg:#f5f7fb;--card:#fff;
    --accent:#0c8a5a;--accent-ink:#0a6e48;--good:#0c8a5a;--good-bg:#e9f7f0;--warn-bg:#fff8e6;--warn-line:#f0d98a;--radius:14px;--maxw:900px;}
  *{box-sizing:border-box}
  html{color-scheme:light dark;overflow-x:clip;scroll-behavior:smooth}
  body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6}
  a{color:var(--accent-ink)}
  .wrap{max-width:var(--maxw);margin:0 auto;padding:0 18px}
  header.site{background:rgba(21,35,58,.92);-webkit-backdrop-filter:saturate(180%) blur(20px);backdrop-filter:saturate(180%) blur(20px);color:#fff;padding:12px 0;position:sticky;top:0;z-index:50}
  header.site .wrap{display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:8px}
  .brand{font-weight:700;color:#fff;text-decoration:none;font-size:17px}.brand span.b{color:#8fc4ff}
  nav.top a{color:#cdddf0;text-decoration:none;font-size:14px;margin-left:14px;padding:6px 2px;display:inline-block;transition:color .15s ease}
  nav.top a:hover{color:#fff}
  nav.top .langsw{display:inline-flex;gap:4px;margin-left:14px;vertical-align:middle}
  nav.top .langsw a{margin-left:0;font-size:13px;font-weight:600;padding:3px 9px;border:1px solid rgba(255,255,255,.22);border-radius:999px}
  nav.top .langsw a.lon{background:#8fc4ff;color:#0d1b2e;border-color:#8fc4ff}
  /* hero */
  .hero{background:var(--navy);color:#fff;margin:0 calc(50% - 50vw);padding:40px calc(50vw - 50% + 18px) 56px;text-align:center}
  .eyebrow{font-size:14px;font-weight:600;letter-spacing:.2px;color:#8fc4ff;margin:0 0 12px}
  .eyebrow b{font-style:italic;font-weight:600}
  .hero h1{font-size:clamp(28px,4.4vw,42px);letter-spacing:-.5px;line-height:1.14;font-weight:800;margin:0 0 12px;color:#fff;max-width:18ch;margin-inline:auto}
  .hero .sub{color:#c4d3e6;font-size:17px;line-height:1.55;margin:0 auto 18px;max-width:60ch}
  .hero .badge{display:inline-block;background:rgba(255,255,255,.12);color:#fff;border:1px solid rgba(255,255,255,.28);border-radius:999px;font-size:12px;font-weight:700;padding:4px 13px;margin:0}
  .lockline{display:inline-flex;align-items:center;gap:7px;font-size:13.5px;color:#ffa657;background:rgba(249,115,22,.16);border:1px solid rgba(249,115,22,.5);border-radius:999px;padding:6px 14px;margin-top:16px}
  .lockline svg{flex:none}
  /* layout split */
  .split{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:22px;align-items:start;margin-top:-30px}
  /* calc card */
  .calc{background:var(--card);border:1px solid #e9edf3;border-radius:18px;padding:26px;box-shadow:0 2px 8px rgba(21,35,58,.05),0 12px 32px rgba(21,35,58,.10)}
  .tabs{display:flex;gap:6px;background:var(--bg);border:1px solid var(--line);border-radius:12px;padding:4px;margin:0 0 20px}
  .tab{flex:1;border:0;background:transparent;border-radius:9px;padding:10px 8px;font-size:14.5px;font-weight:700;color:var(--muted);cursor:pointer;font-family:inherit;transition:all .15s ease}
  .tab[aria-selected=true]{background:var(--card);color:var(--accent-ink);box-shadow:0 1px 3px rgba(21,35,58,.12)}
  .grp{margin:0 0 16px}
  .grp.bord{padding:0 0 16px;border-bottom:1px solid var(--line)}
  .row{display:flex;flex-wrap:wrap;gap:12px;align-items:flex-end}
  .fld{flex:1;min-width:150px}
  label{display:block;font-size:13.5px;font-weight:600;margin:0 0 5px}label .lm{font-weight:400;color:var(--muted)}
  input,select{width:100%;padding:11px;border:1.5px solid var(--line);border-radius:9px;font-size:16px;font-family:inherit;background:var(--card);color:inherit;transition:border-color .15s ease,box-shadow .15s ease}
  input:focus,select:focus{outline:none;border-color:var(--accent);box-shadow:0 0 0 3px rgba(12,138,90,.15)}
  input.err{border-color:#b3261e;box-shadow:0 0 0 3px rgba(179,38,30,.15)}
  .ig{position:relative}
  .ig .pre{position:absolute;inset-inline-start:11px;top:50%;transform:translateY(-50%);color:var(--muted);font-size:16px;pointer-events:none}
  .ig.pct .pre{inset-inline-start:auto;inset-inline-end:11px}
  .ig.has-pre input{padding-inline-start:26px}
  .ig.pct input{padding-inline-end:28px}
  .hint{font-size:12.5px;color:var(--muted);margin:6px 0 0}
  /* advanced */
  details.adv{margin-top:6px;border:1px solid var(--line);border-radius:12px;background:var(--bg);overflow:hidden}
  details.adv>summary{cursor:pointer;list-style:none;padding:13px 16px;font-size:14.5px;font-weight:700;color:var(--accent-ink);display:flex;align-items:center;gap:8px}
  details.adv>summary::-webkit-details-marker{display:none}
  details.adv>summary .chev{margin-inline-start:auto;transition:transform .2s ease;color:var(--muted)}
  details.adv[open]>summary .chev{transform:rotate(180deg)}
  details.adv .advbody{padding:4px 16px 16px}
  .chk{display:flex;gap:9px;align-items:flex-start;font-size:14px;font-weight:500;margin:10px 0}
  .chk input{width:auto;margin-top:3px}
  .subhead{font-size:12px;text-transform:uppercase;letter-spacing:.5px;color:var(--muted);font-weight:700;margin:18px 0 8px}.subhead:first-child{margin-top:6px}
  /* results */
  .summary{margin-top:8px}
  .topline{display:flex;align-items:baseline;justify-content:space-between;gap:12px;flex-wrap:wrap;background:var(--good-bg);border:1px solid #bfe6d3;border-radius:14px;padding:18px 20px;margin-bottom:16px}
  .topline .lab{font-size:14px;font-weight:700;color:var(--accent-ink)}
  .topline .big{font-size:clamp(30px,5vw,40px);font-weight:800;color:var(--accent-ink);font-variant-numeric:tabular-nums;letter-spacing:-.5px;line-height:1}
  .topline .per{font-size:14px;color:var(--muted);font-weight:600}
  table.br{width:100%;border-collapse:collapse;font-size:15px}
  table.br th{text-align:end;font-size:12px;text-transform:uppercase;letter-spacing:.4px;color:var(--muted);font-weight:700;padding:0 6px 8px}
  table.br th:first-child{text-align:start}
  table.br td{padding:9px 6px;border-top:1px solid var(--line);vertical-align:top}
  table.br td.n{text-align:end;font-variant-numeric:tabular-nums;white-space:nowrap;font-weight:600}
  table.br td.sub{color:var(--muted);font-weight:500;font-size:13.5px}
  table.br tr.ded td.n{color:#b15c00}
  table.br tr.net td{font-weight:800;font-size:17px;border-top:2px solid var(--ink);color:var(--navy);padding-top:12px}
  table.br tr.net td.sub2{font-weight:600;font-size:13px;color:var(--muted)}
  .effrate{display:flex;justify-content:space-between;gap:10px;font-size:13.5px;color:var(--muted);margin-top:12px;padding-top:10px;border-top:1px dashed var(--line)}
  .effrate b{color:var(--ink)}
  .disc{margin-top:14px;font-size:13px;color:#54402a;background:var(--warn-bg);border:1px solid var(--warn-line);border-radius:10px;padding:12px 14px}
  .btnrow{display:flex;gap:10px;margin-top:16px;flex-wrap:wrap}
  .btn{flex:1;min-width:140px;border:0;border-radius:12px;padding:13px 16px;font-size:15px;font-weight:700;cursor:pointer;font-family:inherit;text-align:center;text-decoration:none;transition:filter .15s ease,background-color .15s ease}
  .btn.primary{background:var(--accent);color:#fff}
  .btn.primary:hover{filter:brightness(1.07)}
  .btn.ghost{background:var(--bg);border:1px solid var(--line);color:var(--ink)}
  .btn.ghost:hover{background:#e9eef5}
  /* sidebar context */
  .context{background:#1b2d4a;border:1px solid rgba(255,255,255,.14);border-radius:18px;padding:22px;position:sticky;top:78px;color:#e6edf5;box-shadow:0 2px 8px rgba(21,35,58,.10),0 12px 32px rgba(21,35,58,.16)}
  .context h2{margin:0 0 14px;font-size:17px;color:#fff}
  .donut{display:block;margin:0 auto 14px}
  .ctxrow{display:flex;align-items:center;gap:9px;padding:8px 0;border-top:1px solid rgba(255,255,255,.12);font-size:14px}
  .ctxrow .dot{width:11px;height:11px;border-radius:3px;flex:none}
  .ctxrow .ck{color:#cdddf0;flex:1}
  .ctxrow .cv{font-weight:700;color:#fff;font-variant-numeric:tabular-nums}
  .ctxnote{font-size:12px;color:#9fb6cf;margin:14px 0 0;line-height:1.5}
  /* article + faq */
  article{background:var(--card);border:1px solid #e9edf3;border-radius:18px;padding:28px;margin:32px 0;box-shadow:0 1px 2px rgba(21,35,58,.05)}
  article h2{font-size:22px;letter-spacing:-.2px;margin:26px 0 8px}article h2:first-child{margin-top:0}
  article h3{font-size:17px;margin:18px 0 6px}
  article p,article li,article dd{font-size:16px;line-height:1.65;max-width:70ch}
  .faq dt{font-weight:700;margin-top:16px}.faq dd{margin:4px 0 0}
  .steps{counter-reset:s;list-style:none;padding:0;margin:10px 0}
  .steps li{counter-increment:s;position:relative;padding:0 0 12px 40px;max-width:68ch}
  .steps li::before{content:counter(s);position:absolute;inset-inline-start:0;top:0;width:26px;height:26px;border-radius:50%;background:var(--good-bg);color:var(--accent-ink);font-weight:800;font-size:13px;display:flex;align-items:center;justify-content:center}
  .related{margin:32px 0}.related strong{display:block;margin-bottom:8px}
  .related a{display:inline-block;border:1px solid var(--line);background:#fff;border-radius:999px;padding:8px 14px;margin:4px 6px 0 0;text-decoration:none;font-size:14px;color:var(--ink);transition:background-color .15s ease}
  .related a:hover{background:#eef2f8}
  .ccnav{margin:32px 0}
  .ccnav h2{font-size:18px;margin:0 0 10px}
  .ccnav a{display:inline-block;background:var(--navy);color:#8fc4ff;border-radius:999px;padding:6px 12px;margin:0 6px 8px 0;text-decoration:none;font-size:13.5px;transition:background-color .15s ease,color .15s ease}
  .ccnav a:hover,.ccnav a:focus-visible{background:#21395c;color:#cfe6ff;outline:none}
  .ccnav strong{display:inline-block;background:#8fc4ff;color:var(--navy);border-radius:999px;padding:6px 12px;margin:0 6px 8px 0;font-size:13.5px;font-weight:700}
  .suggest{background:var(--card);border:1px solid #e9edf3;border-radius:18px;padding:28px;margin:32px 0}
  .suggest h2{margin:0 0 4px;font-size:20px}.suggest p.intro{margin:0 0 14px;color:var(--muted);font-size:14px}
  .suggest textarea{width:100%;padding:11px;border:1.5px solid var(--line);border-radius:9px;font-size:16px;font-family:inherit;background:var(--card);color:inherit}
  .suggest .ok{display:none;background:var(--good-bg);border:1px solid #bfe6d3;border-radius:10px;padding:14px;font-weight:600}
  footer.site{background:var(--navy);color:#c4d3e6;font-size:13px;padding:28px 0;margin-top:48px}footer.site a{color:#8fc4ff}
  @media(max-width:980px){.split{grid-template-columns:1fr}.context{position:static}}
  @media(max-width:560px){.hero{padding-top:30px;padding-bottom:48px}.calc,article,.suggest{padding:18px}}
  @media (prefers-color-scheme:dark){
    :root{--bg:#0f1626;--card:#172033;--ink:#e6ecf4;--muted:#9fb0c0;--line:#283750;--good-bg:#10271d;--warn-bg:#332a12;--warn-line:#5c4a14}
    a{color:#7fd3aa}
    .topline{background:#10271d;border-color:#1c4a35}
    .topline .lab,.topline .big{color:#7fd3aa}
    .btn.ghost{background:#1b2940;color:var(--ink)}.btn.ghost:hover{background:#223049}
    .related a{color:#e6ecf4}.related a:hover{background:#223049}
    .tab[aria-selected=true]{box-shadow:0 1px 3px rgba(0,0,0,.4)}
    table.br tr.net td{color:#cfe0f5}
  }
  @media print{
    header.site,nav.top,footer.site,.suggest,.related,.ccnav,article,.btnrow,.tabs,.adv,.context,.lockline,.hero .badge,.hero .sub,#calcInputs,#comparePanel{display:none!important}
    body{background:#fff!important;color:#1c2733!important}
    .split{display:block}
    .hero{background:#fff!important;color:#000!important;margin:0;padding:0 0 6px;text-align:start}
    .hero h1{color:#000!important;font-size:22px}.eyebrow{color:#0a6e48!important}
    .calc{border:0;box-shadow:none;padding:0;margin:0;background:#fff!important}
    #summary{display:block!important}
    table.br td,table.br th,.effrate,.effrate b{color:#1c2733!important}
    table.br tr.net td{color:#15233a!important}
    .topline{background:#e9f7f0!important;border:1px solid #bfe6d3!important}
    .topline .big,.topline .lab,.topline .per{color:#0a6e48!important}
    .disc{color:#54402a!important;background:#fff8e6!important;border:1px solid #f0d98a!important}
    .print-only{display:block!important;color:#1c2733!important}
  }
  .print-only{display:none}
  .pfoot{margin-top:18px;font-size:12px;color:var(--muted);border-top:1px solid var(--line);padding-top:10px}
  #printMeta{font-size:13px;margin:0 0 14px}
  .privnote{display:flex;align-items:flex-start;gap:9px;margin-top:14px;font-size:13px;line-height:1.5;color:var(--accent-ink);background:var(--good-bg);border:1px solid #bfe6d3;border-radius:10px;padding:11px 13px}
  .privnote svg{flex:none;margin-top:2px}
  .privnote a{color:var(--accent-ink);font-weight:700;white-space:nowrap}
  @media (prefers-color-scheme:dark){.privnote{border-color:#1c4a35;color:#7fd3aa}.privnote a{color:#7fd3aa}}
  @media print{.privnote{display:none}}
  /* compare (dual-scenario) */
  .cmpintro{font-size:14.5px;color:var(--muted);margin:0 0 16px}
  .cmpgrid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
  .cmpcol{background:var(--bg);border:1px solid var(--line);border-radius:12px;padding:16px}
  .cmpcol h3{margin:0 0 4px;font-size:16px;color:var(--accent-ink)}
  .cmpcol label{margin-top:12px}
  #cmpResult{margin-top:18px}
  .cmprow{display:grid;grid-template-columns:1fr 92px 92px;gap:10px;padding:9px 0;border-top:1px solid var(--line);font-size:14.5px}
  .cmprow .cmpv{font-weight:700;font-variant-numeric:tabular-nums;white-space:nowrap;text-align:right}
  .cmprow.hd{color:var(--muted);font-size:12px;text-transform:uppercase;letter-spacing:.4px;border-top:0}
  .cmprow .cmpv.b{color:var(--accent-ink)}
  .cmpdelta{background:var(--good-bg);border:1px solid #bfe6d3;border-radius:14px;padding:18px 20px;margin-top:16px}
  .cmpdelta .lab{font-size:13.5px;font-weight:700;color:var(--accent-ink)}
  .cmpdelta .big{font-size:clamp(24px,4.4vw,34px);font-weight:800;color:var(--accent-ink);font-variant-numeric:tabular-nums;line-height:1.1;margin-top:2px}
  .cmpdelta p{margin:10px 0 0;font-size:14px;color:var(--ink);line-height:1.5}
  @media(max-width:560px){.cmpgrid{grid-template-columns:1fr}.tabs{flex-wrap:wrap}.tab{flex:1 1 29%}}
  @media (prefers-color-scheme:dark){.cmpdelta{background:#10271d;border-color:#1c4a35}.cmpdelta .lab,.cmpdelta .big{color:#7fd3aa}.cmprow .cmpv.b{color:#7fd3aa}}