section[id]{scroll-margin-top:16px}.t-band{padding-block:26px 132px}.t-band h1{letter-spacing:-.04em;max-width:20ch;margin-bottom:16px;font-size:clamp(32px,4.4vw,52px);font-weight:800;line-height:1.05}.calc-wrap{margin-top:-96px;position:relative}.calc{background:var(--surface);color:var(--ink);border:1px solid var(--line);box-shadow:var(--shadow);border-radius:24px;grid-template-columns:minmax(0,1fr) minmax(0,1.05fr);display:grid;overflow:hidden}.inputs{grid-template-columns:minmax(0,1fr);align-content:start;gap:16px;min-width:0;padding:30px;display:grid}.inputs select,.inputs input{min-width:0;max-width:100%}.two>*,.field,.money-in{min-width:0}.money-in input{width:100%}.inputs-head{flex-wrap:wrap;justify-content:space-between;align-items:center;gap:12px;display:flex}.inputs-head h2{letter-spacing:-.02em;font-size:22px;font-weight:700}.example-lab{color:var(--ink-2);background:var(--line-2);border:1px dashed var(--line);border-radius:999px;align-items:center;gap:8px;padding:4px 11px;font-size:13px;font-weight:700;display:inline-flex}.example-lab[hidden]{display:none}.field{gap:6px;display:grid}.field>label,.field>span.lbl{color:var(--ink);font-size:14px;font-weight:600}.field small{color:var(--ink-3);font-size:13px}.money-in{background:var(--raised);border:1px solid var(--line);border-radius:var(--r-sm);align-items:center;padding:0 14px;display:flex}.money-in:focus-within{border-color:var(--teal);box-shadow:0 0 0 3px color-mix(in srgb, var(--teal) 18%, transparent)}.money-in span{color:var(--ink-3);font-size:17px;font-weight:700}.money-in input{min-width:0;font:700 18px var(--font);font-variant-numeric:tabular-nums;color:var(--ink);background:0 0;border:0;flex:1;padding:12px 8px}.money-in input:focus{outline:none}.words{color:var(--ink-3);min-height:1em;font-size:13px}.two{grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:14px;display:grid}.dates{gap:8px;display:flex}select.sel{min-width:0;font:600 15.5px var(--font);color:var(--ink);background:var(--raised);border:1px solid var(--line);border-radius:var(--r-sm);flex:1;padding:11px 10px}select.sel:focus{border-color:var(--teal);outline:none}.held{color:var(--ink-2);background:var(--raised);border:1px dashed var(--line);border-radius:var(--r-sm);flex-wrap:wrap;align-items:center;gap:8px;padding:10px 12px;font-size:14px;display:flex}.held b{color:var(--ink);font-variant-numeric:tabular-nums}.held .chip{margin-left:auto}.held .edge{color:var(--ink-2);flex-basis:100%;font-size:13px}.chip.st{background:var(--amber-soft);color:var(--amber)}.switch{border:1px solid var(--line);border-radius:var(--r-sm);cursor:pointer;align-items:flex-start;gap:12px;padding:14px;font-size:15px;line-height:1.45;display:flex}.switch:has(input:checked){border-color:var(--teal);background:var(--mint)}.switch input{width:20px;height:20px;accent-color:var(--teal);flex:none;margin:1px 0 0}.switch b{color:var(--ink);display:block}.switch span span{color:var(--ink-2);font-size:14px}.actions{flex-wrap:wrap;align-items:center;gap:10px;display:flex}.actions .btn{padding:10px 16px;font-size:14.5px}.actions small{color:var(--ink-3);font-size:13px}.result{background:var(--night);color:var(--on-night);align-content:start;gap:18px;padding:30px;display:grid}.verdict .lab{letter-spacing:.09em;text-transform:uppercase;color:var(--on-night-3);font-size:12.5px;font-weight:700}.big{letter-spacing:-.045em;color:var(--glow);font-variant-numeric:tabular-nums;margin:10px 0 8px;font-size:clamp(44px,5.4vw,60px);font-weight:800;line-height:1}.verdict p{color:var(--on-night-2);max-width:42ch;margin:0;font-size:16px;line-height:1.5}.verdict p b{color:var(--on-night)}.rows{display:grid}.rows div{border-top:1px solid var(--night-line);color:var(--on-night-2);justify-content:space-between;align-items:baseline;gap:12px;padding:11px 0;font-size:15px;display:flex}.rows span{align-items:center;gap:9px;display:inline-flex}.rows i{border-radius:3px;flex:none;width:10px;height:10px}.rows b{color:var(--on-night);font-variant-numeric:tabular-nums;white-space:nowrap;font-size:18px}.rows b small{color:var(--on-night-3);margin-left:6px;font-size:13px;font-weight:600}.bar{background:var(--night-2);border-radius:7px;gap:3px;height:14px;display:flex;overflow:hidden}.bar i{transition:flex-grow .25s;display:block}.bar .owe{background:var(--mint-2)}.bar .back{background:var(--glow)}.legend{color:var(--on-night-2);flex-wrap:wrap;gap:6px 18px;margin-top:8px;font-size:13.5px;display:flex}.legend span{align-items:center;gap:7px;display:inline-flex}.legend i{border-radius:3px;width:10px;height:10px}.build{border-collapse:collapse;width:100%;font-size:14px}.build caption{text-align:left;letter-spacing:.09em;text-transform:uppercase;color:var(--on-night-3);padding-bottom:8px;font-size:12.5px;font-weight:700}.build th,.build td{border-top:1px solid var(--night-line);text-align:right;font-variant-numeric:tabular-nums;padding:8px 0}.build th:first-child,.build td:first-child{text-align:left;color:var(--on-night-2);font-weight:500}.build thead th{color:var(--on-night-3);border-top:0;padding-top:0;font-size:12.5px;font-weight:600}.build tr.eff td{color:var(--on-night);font-weight:800}.build tr.amt td{color:var(--on-night);font-weight:700}.build-wrap{background:var(--night-2);border:1px solid var(--night-line);border-radius:var(--r-md);padding:14px 16px 8px;overflow-x:auto}.reg{color:var(--on-night-3);margin:0;font-size:12.5px;line-height:1.5}.reg code{color:var(--on-night-2);font-size:11.5px}.pending{background:var(--night-2);border:1px dashed var(--night-line);border-radius:var(--r-md);text-align:center;gap:12px;padding:24px;display:grid}.pending .lab{letter-spacing:.09em;text-transform:uppercase;color:var(--on-night-3);font-size:12.5px;font-weight:700}.pending p{color:var(--on-night-2);margin:0;font-size:15px;line-height:1.5}.pending code{color:var(--on-night-2);font-size:12px}.body{grid-template-columns:minmax(0,1fr) 300px;gap:56px;padding-top:72px;display:grid}article{min-width:0;max-width:70ch;font-size:17.5px;line-height:1.7}article h2{letter-spacing:-.035em;margin:0 0 .6em;font-size:clamp(26px,2.8vw,34px);font-weight:800;line-height:1.1}article h3{letter-spacing:-.02em;margin:1.8em 0 .5em;font-size:20px;font-weight:700}article li{margin-bottom:.45em}.assumptions{border:1.5px dashed var(--line);border-radius:var(--r-md);margin:0 0 1.3em;padding:18px 20px 6px;font-size:16px}.assumptions h3{margin:0 0 8px;font-size:17px}.callout h3{margin:0 0 10px;font-size:19px}.callout.good h3{color:var(--teal-ink)}.aside{align-self:start;gap:12px;display:grid;position:sticky;top:20px}.aside .card{padding:20px}.aside h3{letter-spacing:.09em;text-transform:uppercase;color:var(--ink-3);margin-bottom:10px;font-size:12.5px;font-weight:700}.aside dl{margin:0;display:grid}.aside dl div{border-top:1px solid var(--line-2);padding:10px 0}.aside dl div:first-child{border-top:0;padding-top:0}.aside dt{letter-spacing:-.03em;color:var(--ink);font-variant-numeric:tabular-nums;font-size:22px;font-weight:800}.aside dd{color:var(--ink-2);margin:2px 0 0;font-size:14px;line-height:1.45}.aside .partner p{margin:0 0 12px;font-size:15px;line-height:1.5}.aside .partner small{color:var(--ink-3);margin-top:10px;font-size:12.5px;display:block}.sec{padding-top:72px}.sec>h2{letter-spacing:-.035em;margin:8px 0 20px;font-size:clamp(26px,2.8vw,34px);font-weight:800;line-height:1.1}.next{grid-template-columns:repeat(3,1fr);gap:12px;display:grid}.next a,.next-soon{border:1px solid var(--line);border-radius:var(--r-md);background:var(--surface);color:var(--ink);align-content:start;gap:6px;padding:20px;text-decoration:none;transition:border-color .15s,transform .15s;display:grid}.next a:hover{border-color:var(--teal);transform:translateY(-2px)}.next-soon{color:var(--ink-2);border-style:dashed}.next small{letter-spacing:.06em;text-transform:uppercase;color:var(--ink-3);font-size:12.5px;font-weight:700}.next b{font-size:17px;line-height:1.3}.next span{color:var(--ink-2);font-size:14.5px;line-height:1.45}.next em{color:var(--teal);margin-top:4px;font-size:14px;font-style:normal;font-weight:600}.next-soon em{color:var(--ink-3)}.faq-wrap{grid-template-columns:minmax(0,1fr) 300px;gap:56px;display:grid}.faq-wrap>div{max-width:70ch}.faq-wrap h2{letter-spacing:-.035em;margin:8px 0 20px;font-size:clamp(26px,2.8vw,34px);font-weight:800;line-height:1.1}.meta h3{letter-spacing:-.02em;margin:40px 0 12px;font-size:20px}.tool-list{grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:16px;margin-top:24px;display:grid}.tool-card{color:var(--ink);align-content:start;gap:8px;padding:22px;text-decoration:none;transition:border-color .15s,transform .15s;display:grid}.tool-card:hover{border-color:var(--teal);transform:translateY(-2px)}.tool-card b{font-size:18px;line-height:1.3}.tool-card span{color:var(--ink-2);font-size:14.5px;line-height:1.45}.tool-card em{color:var(--teal);margin-top:4px;font-size:14px;font-style:normal;font-weight:600}.tool-empty{color:var(--ink-2);padding:22px;font-size:15px}@media (width<=960px){.calc{grid-template-columns:minmax(0,1fr)}.body,.faq-wrap{grid-template-columns:minmax(0,1fr);gap:32px}.aside{position:static}.t-band{padding-bottom:112px}}@media (width<=560px){.inputs,.result{padding:20px}.two{grid-template-columns:minmax(0,1fr)}.calc{border-radius:20px}.held .chip{margin-left:0}}