:root{--c-primary: #9fe870;--c-on-primary: #0e0f0c;--c-primary-active: #cdffad;--c-primary-neutral: #c5edab;--c-primary-pale: #e2f6d5;--c-ink: #0e0f0c;--c-ink-deep: #163300;--c-body: #454745;--c-mute: #868685;--c-canvas: #ffffff;--c-canvas-soft: #e8ebe6;--c-positive: #2ead4b;--c-positive-deep: #054d28;--c-warning: #ffd11a;--c-warning-deep: #b86700;--c-warning-content: #4a3b1c;--c-negative: #d03238;--c-negative-deep: #a72027;--c-negative-bg: #320707;--c-accent-orange: #ffc091;--c-accent-cyan: #38c8ff;--font-sans: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;--r-none: 0px;--r-sm: 8px;--r-md: 12px;--r-lg: 16px;--r-xl: 24px;--r-pill: 9999px;--s-xxs: 2px;--s-xs: 4px;--s-sm: 8px;--s-md: 12px;--s-lg: 16px;--s-xl: 24px;--s-2xl: 32px;--s-3xl: 48px;--s-4xl: 72px;--container: 1120px;--container-narrow: 760px;--shadow-sm: 0 1px 2px rgba(14, 15, 12, .06);--shadow-md: 0 6px 24px rgba(14, 15, 12, .08);--shadow-lg: 0 16px 48px rgba(14, 15, 12, .12)}*,*:before,*:after{box-sizing:border-box}*{margin:0}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}body{font-family:var(--font-sans);font-size:16px;line-height:1.5;color:var(--c-body);background:var(--c-canvas);-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;display:flex;flex-direction:column;min-height:100vh}img,svg{display:block;max-width:100%}a{color:var(--c-ink-deep);text-decoration:underline;text-underline-offset:2px;text-decoration-thickness:1px}a:hover{color:var(--c-positive-deep)}h1,h2,h3,h4{color:var(--c-ink);line-height:1.12;font-weight:900;letter-spacing:-.02em}h1{font-size:clamp(2.25rem,5vw,3.5rem)}h2{font-size:clamp(1.6rem,3.2vw,2.25rem)}h3{font-size:clamp(1.2rem,2.2vw,1.5rem);font-weight:700}h4{font-size:1.1rem;font-weight:700}:focus-visible{outline:3px solid var(--c-ink-deep);outline-offset:2px;border-radius:4px}.container{width:100%;max-width:var(--container);margin-inline:auto;padding-inline:var(--s-xl)}.container-narrow{max-width:var(--container-narrow)}.band{padding-block:var(--s-4xl)}.band-sm{padding-block:var(--s-3xl)}.band-soft{background:var(--c-canvas-soft)}.band-pale{background:var(--c-primary-pale)}.band-ink{background:var(--c-ink);color:var(--c-canvas-soft)}.band-ink h1,.band-ink h2,.band-ink h3{color:var(--c-canvas)}.eyebrow{display:inline-block;font-size:.8rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--c-positive-deep);margin-bottom:var(--s-md)}.lede{font-size:clamp(1.05rem,2vw,1.25rem);line-height:1.55;color:var(--c-body)}.grid{display:grid;gap:var(--s-xl)}.grid-2{grid-template-columns:repeat(2,1fr)}.grid-3{grid-template-columns:repeat(3,1fr)}@media(max-width:880px){.grid-3{grid-template-columns:repeat(2,1fr)}}@media(max-width:600px){.grid-2,.grid-3{grid-template-columns:1fr}}.stack>*+*{margin-top:var(--s-lg)}.btn{display:inline-flex;align-items:center;justify-content:center;gap:var(--s-sm);font:inherit;font-weight:600;font-size:1rem;line-height:1.5;padding:var(--s-md) var(--s-xl);border-radius:var(--r-xl);border:1px solid transparent;cursor:pointer;text-decoration:none;transition:transform .06s ease,background .15s ease,box-shadow .15s ease}.btn:active{transform:translateY(1px)}.btn-primary{background:var(--c-primary);color:var(--c-on-primary)}.btn-primary:hover{background:var(--c-primary-active);color:var(--c-on-primary)}.btn-secondary{background:var(--c-canvas-soft);color:var(--c-ink)}.btn-secondary:hover{background:var(--c-primary-neutral);color:var(--c-ink)}.btn-tertiary{background:var(--c-canvas);color:var(--c-ink);border-color:var(--c-ink)}.btn-tertiary:hover{background:var(--c-canvas-soft);color:var(--c-ink)}.btn-block{width:100%}.card{background:var(--c-canvas);color:var(--c-ink);padding:var(--s-xl);border-radius:var(--r-xl);box-shadow:var(--shadow-sm);border:1px solid var(--c-canvas-soft)}.card-sage{background:var(--c-canvas-soft);border:none;box-shadow:none}.card-green{background:var(--c-primary-pale);border:none;box-shadow:none}.card-dark{background:var(--c-ink);color:var(--c-canvas-soft);border:none}.card-dark h2,.card-dark h3{color:var(--c-primary)}.tool-card{display:flex;flex-direction:column;height:100%;background:var(--c-canvas);border:1px solid var(--c-canvas-soft);border-radius:var(--r-xl);padding:var(--s-xl);text-decoration:none;color:var(--c-ink);box-shadow:var(--shadow-sm);transition:transform .12s ease,box-shadow .12s ease,border-color .12s ease}.tool-card:hover{transform:translateY(-3px);box-shadow:var(--shadow-md);border-color:var(--c-primary-neutral);color:var(--c-ink)}.tool-card .tool-icon{width:44px;height:44px;display:grid;place-items:center;border-radius:var(--r-md);background:var(--c-primary-pale);margin-bottom:var(--s-md);font-size:1.4rem}.tool-card h3{margin-bottom:var(--s-xs)}.tool-card p{color:var(--c-body);font-size:.95rem;flex:1}.tool-card .tool-cta{margin-top:var(--s-md);font-weight:600;font-size:.9rem;color:var(--c-positive-deep)}.badge{display:inline-flex;align-items:center;gap:var(--s-xs);font-size:.8rem;font-weight:600;padding:var(--s-xs) var(--s-md);border-radius:var(--r-pill)}.badge-positive{background:var(--c-primary-pale);color:var(--c-positive-deep)}.badge-neutral{background:var(--c-canvas-soft);color:var(--c-ink)}.field{display:flex;flex-direction:column;gap:var(--s-xs);margin-bottom:var(--s-lg)}.field label{font-weight:600;font-size:.9rem;color:var(--c-ink)}.field .hint{font-size:.8rem;color:var(--c-mute)}.input-wrap{position:relative;display:flex;align-items:center}.input-wrap .prefix,.input-wrap .suffix{position:absolute;color:var(--c-mute);font-weight:600;pointer-events:none}.input-wrap .prefix{left:var(--s-lg)}.input-wrap .suffix{right:var(--s-lg)}.input-wrap.has-prefix input{padding-left:calc(var(--s-lg) + 14px)}.input-wrap.has-suffix input{padding-right:calc(var(--s-lg) + 24px)}input[type=number],input[type=text],input[type=email],select,textarea{width:100%;font:inherit;font-size:1rem;color:var(--c-ink);background:var(--c-canvas);border:1px solid var(--c-ink);border-radius:var(--r-md);padding:var(--s-md) var(--s-lg)}input:focus,select:focus,textarea:focus{outline:3px solid var(--c-primary);outline-offset:0;border-color:var(--c-ink)}select{appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%230e0f0c' stroke-width='2' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right var(--s-lg) center;padding-right:calc(var(--s-lg) + 18px)}.calc-card{background:var(--c-canvas);border:1px solid var(--c-ink);border-radius:var(--r-xl);padding:var(--s-xl)}.result{background:var(--c-ink);color:var(--c-canvas);border-radius:var(--r-xl);padding:var(--s-xl)}.result .result-headline{color:var(--c-primary);font-size:clamp(1.8rem,4vw,2.5rem);font-weight:900;line-height:1.1;font-variant-numeric:tabular-nums}.result .result-sub{color:var(--c-canvas-soft);margin-top:var(--s-xs)}.result-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:var(--s-lg);margin-top:var(--s-lg)}.result-stat .k{font-size:.8rem;color:var(--c-canvas-soft);text-transform:uppercase;letter-spacing:.04em}.result-stat .v{font-size:1.3rem;font-weight:800;color:var(--c-canvas);font-variant-numeric:tabular-nums}.debt-rows{display:flex;flex-direction:column;gap:var(--s-md)}.debt-row{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr auto;gap:var(--s-sm);align-items:end}.debt-row .field{margin-bottom:0}.debt-row .remove-btn{height:46px;width:46px;border-radius:var(--r-md);border:1px solid var(--c-canvas-soft);background:var(--c-canvas);cursor:pointer;font-size:1.1rem;color:var(--c-negative-deep)}.debt-row .remove-btn:hover{background:var(--c-canvas-soft)}@media(max-width:700px){.debt-row{grid-template-columns:1fr 1fr;padding:var(--s-md);border:1px solid var(--c-canvas-soft);border-radius:var(--r-md)}.debt-row .remove-btn{grid-column:1 / -1;width:100%}}.table-wrap{overflow-x:auto;border-radius:var(--r-md);border:1px solid var(--c-canvas-soft)}table.data{width:100%;border-collapse:collapse;font-size:.9rem}table.data th,table.data td{padding:var(--s-md) var(--s-lg);text-align:right;font-variant-numeric:tabular-nums;border-bottom:1px solid var(--c-canvas-soft)}table.data th:first-child,table.data td:first-child{text-align:left}table.data thead th{background:var(--c-canvas-soft);color:var(--c-ink);font-weight:700;position:sticky;top:0}.prose{max-width:var(--container-narrow);color:var(--c-body);font-size:1.05rem;line-height:1.7}.prose>*+*{margin-top:var(--s-lg)}.prose h2{margin-top:var(--s-2xl)}.prose h3{margin-top:var(--s-xl)}.prose ul,.prose ol{padding-left:1.4em}.prose li+li{margin-top:var(--s-xs)}.prose strong{color:var(--c-ink)}.prose table{width:100%;border-collapse:collapse;font-size:.95rem}.prose th,.prose td{padding:var(--s-sm) var(--s-md);border:1px solid var(--c-canvas-soft);text-align:left}.prose th{background:var(--c-canvas-soft)}.prose blockquote{border-left:4px solid var(--c-primary);padding-left:var(--s-lg);color:var(--c-body);font-style:italic}.faq-item{border:1px solid var(--c-canvas-soft);border-radius:var(--r-md);margin-bottom:var(--s-md);background:var(--c-canvas)}.faq-item summary{cursor:pointer;list-style:none;padding:var(--s-lg);font-weight:600;color:var(--c-ink);display:flex;justify-content:space-between;align-items:center;gap:var(--s-md)}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary:after{content:"+";font-size:1.4rem;color:var(--c-positive-deep);font-weight:400}.faq-item[open] summary:after{content:"−"}.faq-item .faq-body{padding:0 var(--s-lg) var(--s-lg);color:var(--c-body);line-height:1.65}.callout{border-radius:var(--r-md);padding:var(--s-lg);font-size:.92rem;line-height:1.55}.callout-warn{background:#fff7d6;color:var(--c-warning-content);border:1px solid #f3e29a}.callout-info{background:var(--c-canvas-soft);color:var(--c-body)}.callout strong{color:var(--c-ink)}.ad-slot{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:var(--s-xs);min-height:100px;border:1px dashed var(--c-canvas-soft);border-radius:var(--r-md);background:#fbfcfa;margin-block:var(--s-xl);padding:var(--s-md)}.ad-slot .ad-label{font-size:.68rem;letter-spacing:.12em;text-transform:uppercase;color:var(--c-mute)}.ad-slot .ad-placeholder{font-size:.8rem;color:var(--c-mute)}.breadcrumbs{font-size:.85rem;color:var(--c-mute);display:flex;flex-wrap:wrap;gap:var(--s-xs);align-items:center}.breadcrumbs a{color:var(--c-body);text-decoration:none}.breadcrumbs a:hover{text-decoration:underline}.breadcrumbs .sep{color:var(--c-mute)}.site-header{position:sticky;top:0;z-index:50;background:var(--c-canvas);border-bottom:1px solid var(--c-canvas-soft)}.site-header 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li{padding-block:var(--s-sm);border-top:1px solid var(--c-canvas-soft)}}.site-footer{margin-top:auto;background:var(--c-ink);color:var(--c-canvas-soft);padding-block:var(--s-3xl)}.site-footer a{color:var(--c-canvas-soft);text-decoration:none}.site-footer a:hover{color:var(--c-primary)}.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:var(--s-xl)}@media(max-width:820px){.footer-grid{grid-template-columns:1fr 1fr}}@media(max-width:480px){.footer-grid{grid-template-columns:1fr}}.footer-grid h4{color:var(--c-canvas);font-size:.85rem;text-transform:uppercase;letter-spacing:.06em;margin-bottom:var(--s-md)}.footer-grid ul{list-style:none;padding:0;display:flex;flex-direction:column;gap:var(--s-sm);font-size:.92rem}.footer-bottom{margin-top:var(--s-2xl);padding-top:var(--s-lg);border-top:1px solid rgba(255,255,255,.12);font-size:.82rem;color:var(--c-mute);display:flex;flex-wrap:wrap;justify-content:space-between;gap:var(--s-md)}.tool-layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:var(--s-2xl);align-items:start}@media(max-width:980px){.tool-layout{grid-template-columns:1fr}.tool-sidebar{order:3}}.tool-sidebar{position:sticky;top:84px}.section-head{max-width:var(--container-narrow);margin-bottom:var(--s-xl)}.skip-link{position:absolute;left:-9999px;top:0;background:var(--c-ink);color:var(--c-canvas);padding:var(--s-sm) var(--s-lg);border-radius:var(--r-sm);z-index:100}.skip-link:focus{left:var(--s-md);top:var(--s-md);color:var(--c-canvas)}.muted{color:var(--c-mute)}.text-center{text-align:center}.mt-xl{margin-top:var(--s-xl)}.mt-2xl{margin-top:var(--s-2xl)}.hidden{display:none!important}.consent-banner{position:fixed;left:0;right:0;bottom:0;z-index:90;background:var(--c-ink);color:var(--c-canvas-soft);box-shadow:0 -8px 32px #0e0f0c40}.consent-banner[hidden]{display:none}.consent-inner{display:flex;align-items:center;justify-content:space-between;gap:var(--s-xl);padding-block:var(--s-lg)}.consent-text strong{color:var(--c-canvas);display:block;margin-bottom:2px}.consent-text p{font-size:.88rem;color:#b9c0b6;max-width:70ch}.consent-text a{color:var(--c-primary)}.consent-actions{display:flex;gap:var(--s-sm);flex-shrink:0}.consent-actions .btn-tertiary{background:transparent;color:var(--c-canvas);border-color:#fff6}.consent-actions .btn-tertiary:hover{background:#ffffff14;color:var(--c-canvas)}@media(max-width:760px){.consent-inner{flex-direction:column;align-items:stretch;gap:var(--s-md)}.consent-actions{flex-direction:column-reverse}}@media(prefers-reduced-motion:reduce){*{animation-duration:.001ms!important;transition-duration:.001ms!important;scroll-behavior:auto!important}}