:root{color-scheme:light;--color-ink:#102a2a;--color-muted:#526565;--color-subtle:#6d7d7d;--color-brand:#0f766e;--color-brand-strong:#075e59;--color-brand-soft:#e7f6f3;--color-accent:#d97706;--color-accent-soft:#fff5e5;--color-surface:#fff;--color-surface-alt:#f5f8f7;--color-border:#d6e1df;--color-danger:#b42318;--color-danger-soft:#fff1f0;--shadow-sm:0 1px 2px #102a2a0f;--shadow-md:0 16px 40px #102a2a1a;--radius-sm:.5rem;--radius-md:.9rem;--radius-lg:1.35rem;--space-2:.5rem;--space-3:.75rem;--space-4:1rem;--space-5:1.5rem;--space-6:2rem;--space-7:3rem;--space-8:4.5rem;--container:72rem;--measure:46rem;font-synthesis:none;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif}*,:before,:after{box-sizing:border-box}html{scroll-behavior:smooth}body{background:var(--color-surface);min-width:20rem;color:var(--color-ink);text-rendering:optimizelegibility;margin:0;font-size:1rem;line-height:1.65}body:before{z-index:-1;content:"";pointer-events:none;background:radial-gradient(circle at 85% 8%,#d977061a,#0000 22rem),linear-gradient(#eff9f7 0%,#eff9f700 100%);height:32rem;position:absolute;inset:0 0 auto}a{color:var(--color-brand-strong);text-underline-offset:.2em;text-decoration-thickness:.08em}a:hover{color:var(--color-brand)}button,input,select{font:inherit}button,a{-webkit-tap-highlight-color:transparent}:focus-visible{outline-offset:3px;outline:3px solid #f59e0b}::selection{background:#bfe7df}.skip-link{z-index:100;top:var(--space-3);padding:var(--space-3) var(--space-4);border-radius:var(--radius-sm);background:var(--color-ink);color:#fff;font-weight:700;position:fixed;inset-inline-start:var(--space-3);transform:translateY(-180%)}.skip-link:focus{transform:translateY(0)}.container{width:min(calc(100% - 2rem), var(--container));margin-inline:auto}.narrow{max-width:var(--measure)}.visually-hidden{clip:rect(0, 0, 0, 0);white-space:nowrap;border:0;width:1px;height:1px;padding:0;position:absolute;overflow:hidden}.site-header{z-index:20;backdrop-filter:blur(12px);background:#ffffffe0;border-bottom:1px solid #0f766e1f;position:relative}.header-inner{justify-content:space-between;align-items:center;gap:var(--space-5);min-height:4.5rem;display:flex}.brand{align-items:center;gap:var(--space-3);color:var(--color-ink);letter-spacing:-.03em;font-size:1.18rem;font-weight:850;text-decoration:none;display:inline-flex}.brand-mark{background:var(--color-brand);color:#fff;border-radius:.7rem;place-items:center;width:2.25rem;height:2.25rem;font-size:1.15rem;line-height:1;display:grid}.desktop-nav{display:none}.header-actions{align-items:center;gap:var(--space-4);display:flex}.desktop-nav ul,.footer-links,.related-list{margin:0;padding:0;list-style:none}.desktop-nav a{color:var(--color-muted);font-size:.94rem;font-weight:650;text-decoration:none}.desktop-nav a[aria-current=page],.desktop-nav a:hover{color:var(--color-brand-strong)}.language-switcher{border:1px solid var(--color-border);letter-spacing:.04em;border-radius:999px;align-items:center;font-size:.78rem;font-weight:800;display:inline-flex;overflow:hidden}.language-switcher a{min-width:2.4rem;min-height:2.1rem;color:var(--color-muted);justify-content:center;align-items:center;padding-inline:.65rem;text-decoration:none;display:inline-flex}.language-switcher a[aria-current=page]{background:var(--color-brand-soft);color:var(--color-brand-strong)}.desktop-language{display:none}.mobile-nav{position:relative}.mobile-nav summary{cursor:pointer;border:1px solid var(--color-border);border-radius:var(--radius-sm);background:var(--color-surface);padding:.55rem .8rem;font-weight:700;list-style:none}.mobile-nav summary::-webkit-details-marker{display:none}.mobile-nav nav{top:calc(100% + .6rem);border:1px solid var(--color-border);border-radius:var(--radius-md);width:min(17rem,100vw - 2rem);padding:var(--space-3);box-shadow:var(--shadow-md);background:#fff;position:absolute;inset-inline-end:0}.mobile-nav a{border-radius:var(--radius-sm);color:var(--color-ink);padding:.65rem .75rem;text-decoration:none;display:block}.mobile-nav a:hover{background:var(--color-brand-soft)}.mobile-language{margin-top:var(--space-2);border-top:1px solid var(--color-border);padding:var(--space-3) .75rem 0;color:var(--color-muted);justify-content:space-between;align-items:center;font-size:.88rem;display:flex}.mobile-language .language-switcher{margin-inline-start:var(--space-3)}.mobile-language .language-switcher a{padding:.45rem .6rem;display:inline-flex}main{min-height:65vh}.hero{padding-block:clamp(4rem, 9vw, 7.5rem) var(--space-8);text-align:center}.hero-copy{max-width:52rem;margin-inline:auto}.eyebrow{margin:0 0 var(--space-3);color:var(--color-brand-strong);letter-spacing:.14em;text-transform:uppercase;font-size:.78rem;font-weight:800}h1,h2,h3{color:var(--color-ink);letter-spacing:-.035em;margin-top:0;font-weight:800;line-height:1.12}h1{margin-bottom:var(--space-5);font-size:clamp(2.3rem,7vw,4.75rem)}h2{margin-bottom:var(--space-4);font-size:clamp(1.65rem,4vw,2.5rem)}h3{margin-bottom:var(--space-3);font-size:1.18rem}p{margin-block:0 var(--space-4)}.lede{color:var(--color-muted);font-size:clamp(1.05rem,2.2vw,1.28rem)}.hero-actions,.button-row{justify-content:center;gap:var(--space-3);margin-top:var(--space-6);flex-wrap:wrap;display:flex}.button-row-start{justify-content:flex-start}.button{cursor:pointer;background:var(--color-brand);color:#fff;border:1px solid #0000;border-radius:.7rem;justify-content:center;align-items:center;min-height:3rem;padding:.7rem 1.15rem;font-weight:750;text-decoration:none;display:inline-flex}.button:hover{background:var(--color-brand-strong);color:#fff}.button-secondary{border-color:var(--color-border);color:var(--color-ink);background:#fff}.button-secondary:hover{background:var(--color-surface-alt);color:var(--color-ink);border-color:#a5bdb9}.button:disabled{cursor:not-allowed;opacity:.55}.trust-row{justify-content:center;gap:var(--space-4) var(--space-6);margin-top:var(--space-7);color:var(--color-subtle);flex-wrap:wrap;font-size:.9rem;font-weight:650;display:flex}.trust-row span:before{color:var(--color-brand);content:"✓";margin-inline-end:.45rem}.section{padding-block:var(--space-8)}.section-alt{background:var(--color-surface-alt)}.section-heading{max-width:40rem;margin-bottom:var(--space-7)}.section-heading p{color:var(--color-muted)}.card-grid{gap:var(--space-4);display:grid}.calculator-card{border:1px solid var(--color-border);border-radius:var(--radius-lg);min-height:15.5rem;padding:var(--space-5);background:var(--color-surface);box-shadow:var(--shadow-sm);flex-direction:column;display:flex}.calculator-card:hover{border-color:#a6c9c3;box-shadow:0 18px 45px #102a2a17}.card-icon{width:2.75rem;height:2.75rem;margin-bottom:var(--space-5);background:var(--color-brand-soft);color:var(--color-brand-strong);border-radius:.85rem;place-items:center;font-size:1.2rem;font-weight:850;display:grid}.calculator-card p{color:var(--color-muted)}.card-link{margin-top:auto;font-weight:750;text-decoration:none}.card-link:after{content:"→";margin-inline-start:.35rem}.status-badge{margin:-.4rem 0 var(--space-3);background:var(--color-accent-soft);color:#9a5404;border-radius:999px;align-self:flex-start;padding:.2rem .55rem;font-size:.75rem;font-weight:800}.breadcrumb{padding-top:var(--space-5);color:var(--color-subtle);font-size:.9rem}.breadcrumb ol{gap:var(--space-2);flex-wrap:wrap;margin:0;padding:0;list-style:none;display:flex}.breadcrumb li:not(:last-child):after{color:#9aabab;content:"/";margin-inline-start:var(--space-2)}.breadcrumb a{color:var(--color-muted)}.page-intro{max-width:50rem;padding-block:var(--space-7) var(--space-6)}.page-intro h1{font-size:clamp(2.15rem,6vw,4rem)}.calculator-layout{gap:var(--space-7);padding-bottom:var(--space-8);align-items:start;display:grid}.calculator-layout>*{min-width:0}.calculator-shell{border:1px solid var(--color-border);border-radius:var(--radius-lg);background:var(--color-surface);box-shadow:var(--shadow-md);padding:clamp(1.15rem,4vw,2rem)}.calculator-shell>h2{font-size:1.45rem}.form-grid{gap:var(--space-4);display:grid}.field{gap:var(--space-2);display:grid}.field label,.field-label{color:var(--color-ink);font-size:.92rem;font-weight:750}.field-hint{color:var(--color-subtle);font-size:.82rem}.field input,.field select{width:100%;min-height:3.1rem;color:var(--color-ink);background:#fff;border:1px solid #b8c9c6;border-radius:.65rem;padding:.65rem .8rem}.field input:hover,.field select:hover{border-color:#7fa39d}.field input:focus,.field select:focus{border-color:var(--color-brand);outline:3px solid #0f766e29}.field input:disabled{background:#eef2f1}.form-actions{gap:var(--space-3);margin-top:var(--space-2);flex-wrap:wrap;display:flex}.form-error{margin-top:var(--space-4);border-inline-start:4px solid var(--color-danger);border-radius:var(--radius-sm);padding:var(--space-3) var(--space-4);background:var(--color-danger-soft);color:var(--color-danger);font-weight:650}.result-panel{min-height:10rem;margin-top:var(--space-6);border-radius:var(--radius-md);padding:var(--space-5);background:var(--color-brand-soft)}.result-panel[hidden],.form-error[hidden]{display:none}.result-kicker{margin-bottom:var(--space-2);color:var(--color-brand-strong);letter-spacing:.1em;text-transform:uppercase;font-size:.78rem;font-weight:800}.result-primary{margin-bottom:var(--space-4);color:var(--color-brand-strong);letter-spacing:-.05em;font-size:clamp(2rem,7vw,3.15rem);font-weight:850;line-height:1;display:block}.result-grid{gap:var(--space-3);margin:0;display:grid}.result-grid div{justify-content:space-between;gap:var(--space-4);padding-top:var(--space-3);border-top:1px solid #0f766e2e;display:flex}.result-grid [hidden]{display:none}.amortization-details{margin-top:var(--space-5);padding-top:var(--space-4);border-top:1px solid #0f766e2e}.amortization-details[hidden]{display:none}.amortization-details summary{cursor:pointer;color:var(--color-brand-strong);font-weight:800}.amortization-details>p{margin-top:var(--space-3);color:var(--color-muted);font-size:.85rem}.amortization-details .table-scroll{margin-top:var(--space-4)}.amortization-table{background:#ffffff94;min-width:38rem}.result-grid dt{color:var(--color-muted)}.result-grid dd{text-align:end;margin:0;font-weight:750}.privacy-note{margin:var(--space-4) 0 0;color:var(--color-subtle);font-size:.82rem}.content-stack{gap:var(--space-7);display:grid}.content-section{max-width:var(--measure)}.formula-box,.example-box,.alert{border-radius:var(--radius-md);padding:var(--space-5)}.formula-box{border:1px solid var(--color-border);background:var(--color-surface-alt)}.formula{color:var(--color-brand-strong);overflow-wrap:anywhere;margin:0;font-family:ui-monospace,SFMono-Regular,Consolas,monospace;font-size:.95rem;font-weight:700}.example-box{border-inline-start:4px solid var(--color-accent);background:var(--color-accent-soft)}.alert{background:var(--color-accent-soft);border:1px solid #f1cf94}.alert-title{margin-bottom:var(--space-2);font-weight:800}.faq-list{gap:var(--space-3);display:grid}.faq-list details{border:1px solid var(--color-border);border-radius:var(--radius-md);background:#fff}.faq-list summary{cursor:pointer;padding:var(--space-4) var(--space-5);font-weight:750}.faq-list details p{padding:0 var(--space-5) var(--space-4);color:var(--color-muted)}.salary-form{margin-top:var(--space-5)}.table-scroll{margin-top:var(--space-6);overflow-x:auto}.related-list{gap:var(--space-3);display:grid}.related-list a{border:1px solid var(--color-border);border-radius:var(--radius-sm);padding:var(--space-3) var(--space-4);background:#fff;justify-content:space-between;font-weight:700;text-decoration:none;display:flex}.related-list a:after{content:"→"}[dir=rtl] .related-list a:after,[dir=rtl] .card-link:after{display:inline-block;transform:scaleX(-1)}[dir=rtl] input[type=email],[dir=rtl] input[type=number],[dir=rtl] input[type=url],[dir=rtl] output,[dir=rtl] .formula{text-align:start;direction:ltr}.legal-page{padding-block:var(--space-7) var(--space-8)}.legal-page h1{font-size:clamp(2.2rem,6vw,3.7rem)}.legal-page h2{margin-top:var(--space-7);font-size:1.5rem}.legal-page li{margin-bottom:var(--space-2)}.meta-line{margin-bottom:var(--space-6);color:var(--color-subtle);font-size:.88rem}.status-table{border-collapse:collapse;width:100%;font-size:.88rem}.status-table th,.status-table td{border-bottom:1px solid var(--color-border);padding:var(--space-3);text-align:start}.status-table caption{margin-bottom:var(--space-2);text-align:start}.status-table th{color:var(--color-muted)}.site-footer{border-top:1px solid var(--color-border);padding-block:var(--space-7) var(--space-5);color:#c9d8d6;background:#0e2928}.footer-grid{gap:var(--space-6);display:grid}.footer-brand .brand{margin-bottom:var(--space-3);color:#fff}.footer-brand p{color:#aebfbd;max-width:27rem}.footer-title{margin-bottom:var(--space-3);color:#fff;letter-spacing:.08em;text-transform:uppercase;font-size:.85rem;font-weight:800}.footer-links{gap:var(--space-2);display:grid}.footer-links a{color:#c9d8d6;text-decoration:none}.footer-links a:hover{color:#fff}.footer-bottom{margin-top:var(--space-7);padding-top:var(--space-5);color:#90a7a4;border-top:1px solid #ffffff1a;font-size:.82rem}@media (width>=40rem){.form-grid.two-column,.card-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.footer-grid{grid-template-columns:2fr 1fr 1fr}}@media (width>=54rem){.desktop-nav{display:block}.desktop-language{display:inline-flex}.desktop-nav ul{align-items:center;gap:var(--space-5);display:flex}.mobile-nav{display:none}.calculator-layout{grid-template-columns:minmax(0,1.1fr) minmax(20rem,.9fr)}.card-grid{grid-template-columns:repeat(3,minmax(0,1fr))}}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}