:root{--bg-dark:#050510;--bg-card:#0d0d1f;--bg-input:#111128;--accent:#0ea5e9;--cyan:#00f3ff;--purple:#bc13fe;--text-main:#fff;--text-dim:#88a;--text-muted:#666;--border-subtle:#ffffff12;--shadow-card:0 4px 24px #00000073;--radius:12px;--radius-sm:8px}*,:before,:after{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}body{background:var(--bg-dark);color:var(--text-main);min-height:100vh;font-family:Inter,sans-serif;line-height:1.6}.nav-inner{align-items:center;gap:32px;max-width:1600px;height:60px;margin:0 auto;padding:0 24px;display:flex}.nav-hamburger{cursor:pointer;background:0 0;border:none;flex-direction:column;gap:5px;margin-left:auto;padding:4px;display:none}.nav-hamburger span{background:var(--text-main);border-radius:2px;width:22px;height:2px;transition:all .3s;display:block}@media (width<=768px){.nav-hamburger{display:flex}}.breadcrumb{color:var(--text-muted);flex-wrap:wrap;align-items:center;gap:6px;margin-bottom:16px;font-size:.8rem;display:flex}.breadcrumb a{color:var(--text-dim);text-decoration:none}.breadcrumb a:hover{color:var(--accent)}.breadcrumb .sep{color:var(--text-muted)}.dashboard-container{max-width:1600px;margin:0 auto;padding:32px 24px 64px}.page-title{color:var(--text-main);margin-bottom:6px;font-size:clamp(1.6rem,3vw,2.4rem);font-weight:800}.page-subtitle{color:var(--text-dim);margin-bottom:28px;font-size:.95rem}.tab-nav{border-bottom:1px solid var(--border-subtle);gap:4px;margin-bottom:28px;display:flex;overflow-x:auto}.tab-btn{color:var(--text-dim);cursor:pointer;white-space:nowrap;background:0 0;border:none;border-bottom:2px solid #0000;padding:10px 20px;font-family:Inter,sans-serif;font-size:.9rem;font-weight:500;transition:color .2s,border-color .2s}.tab-btn:hover{color:var(--text-main)}.tab-btn.active{color:var(--accent);border-bottom-color:var(--accent)}.tab-pane{display:none}.tab-pane.active{display:block}.calc-layout{grid-template-columns:340px 1fr;align-items:start;gap:24px;display:grid}@media (width<=900px){.calc-layout{grid-template-columns:minmax(0,1fr);overflow:hidden}}.input-card{background:var(--bg-card);border:1px solid var(--border-subtle);border-left:3px solid var(--cyan);border-radius:var(--radius);padding:24px}.card-title{color:var(--text-main);text-transform:uppercase;letter-spacing:.06em;margin-bottom:16px;font-size:.8rem;font-weight:700}.mode-toggle-group{border-radius:var(--radius-sm);border:1px solid #0ea5e94d;gap:0;margin-bottom:20px;display:flex;overflow:hidden}.mode-btn{color:var(--text-dim);cursor:pointer;white-space:nowrap;background:0 0;border:none;flex:1;padding:8px 4px;font-family:Inter,sans-serif;font-size:.8rem;font-weight:600;transition:background .2s,color .2s}.mode-btn.active{color:var(--accent);background:#0ea5e926}.input-group{margin-bottom:14px}.input-group label{color:var(--text-dim);margin-bottom:5px;font-size:.8rem;font-weight:500;display:block}.label-optional{color:var(--text-muted);margin-left:4px;font-size:.7rem;font-weight:400}.input-field{background:var(--bg-input);border-radius:var(--radius-sm);width:100%;color:var(--text-main);-moz-appearance:textfield;appearance:auto;border:1px solid #ffffff1a;outline:none;padding:9px 12px;font-family:Inter,sans-serif;font-size:.9rem;transition:border-color .2s}.input-field::-webkit-outer-spin-button,.input-field::-webkit-inner-spin-button{-webkit-appearance:none}.input-field:focus{border-color:var(--accent)}.input-with-adornment{align-items:center;display:flex;position:relative}.adorn-prefix{color:var(--text-muted);pointer-events:none;z-index:1;font-size:.85rem;position:absolute;left:10px}.input-with-adornment .input-field{padding-left:24px}.input-hint{color:var(--text-muted);margin-top:4px;font-size:.72rem;font-style:italic}.input-separator{text-align:center;color:var(--text-muted);letter-spacing:.05em;margin:12px 0;font-size:.78rem}.btn-calculate{background:linear-gradient(135deg, var(--accent), #0284c7);border-radius:var(--radius-sm);color:#fff;cursor:pointer;border:none;width:100%;margin-top:20px;padding:12px;font-family:Inter,sans-serif;font-size:.95rem;font-weight:700;transition:opacity .2s,transform .15s}.btn-calculate:hover{opacity:.9;transform:translateY(-1px)}.btn-calculate:active{transform:translateY(0)}.result-card{background:var(--bg-card);border:1px solid var(--border-subtle);border-radius:var(--radius);margin-bottom:20px;padding:24px}.hero-card{border-left:3px solid var(--purple);text-align:center;padding:32px 24px}.hero-label{text-transform:uppercase;letter-spacing:.1em;color:var(--text-dim);margin-bottom:8px;font-size:.8rem}.hero-value{color:var(--accent);font-variant-numeric:tabular-nums;margin-bottom:6px;font-size:clamp(2.2rem,5vw,3.2rem);font-weight:800}.hero-sub{color:var(--text-dim);font-size:.85rem}.stat-grid{grid-template-columns:repeat(3,1fr);gap:12px;margin-bottom:20px;display:grid}@media (width<=600px){.stat-grid{grid-template-columns:repeat(2,1fr)}}.stat-cell{background:var(--bg-card);border:1px solid var(--border-subtle);border-radius:var(--radius-sm);text-align:center;padding:14px 16px}.stat-label{color:var(--text-dim);text-transform:uppercase;letter-spacing:.06em;margin-bottom:4px;font-size:.72rem}.stat-value{color:var(--text-main);font-variant-numeric:tabular-nums;font-size:1.2rem;font-weight:700}.chart-card{background:var(--bg-card);border:1px solid var(--border-subtle);border-radius:var(--radius);min-width:0;margin-bottom:20px;padding:20px;overflow:hidden}.chart-title{color:var(--text-dim);text-transform:uppercase;letter-spacing:.06em;margin-bottom:14px;font-size:.85rem;font-weight:700}.chart-wrap{width:100%;position:relative}.formula-strip{flex-wrap:wrap;gap:10px;margin-bottom:16px;display:flex}.formula-pill{color:var(--accent);white-space:nowrap;background:#0ea5e91a;border:1px solid #0ea5e940;border-radius:20px;padding:5px 12px;font-family:Courier New,monospace;font-size:.73rem}.alert-stack{flex-direction:column;gap:8px;margin-bottom:16px;display:flex}.alert{border-radius:var(--radius-sm);align-items:flex-start;gap:10px;padding:12px 14px;font-size:.82rem;line-height:1.4;display:flex}.alert-icon{flex-shrink:0;margin-top:1px;font-size:1rem}.alert-text{color:var(--text-dim);flex:1}.alert-text strong{color:var(--text-main)}.alert-danger{background:#ef44441a;border:1px solid #ef44444d}.alert-warning{background:#f59e0b1a;border:1px solid #f59e0b4d}.alert-info{background:#0ea5e91a;border:1px solid #0ea5e94d}.alert-success{background:#10b9811a;border:1px solid #10b9814d}.action-bar{flex-wrap:wrap;gap:10px;display:flex}.action-btn{border-radius:var(--radius-sm);color:var(--accent);cursor:pointer;background:0 0;border:1px solid #0ea5e959;padding:8px 16px;font-family:Inter,sans-serif;font-size:.8rem;font-weight:600;transition:background .2s,border-color .2s}.action-btn:hover{border-color:var(--accent);background:#0ea5e91a}.results-panel{min-width:0}.scenario-grid{grid-template-columns:repeat(3,1fr);gap:16px;margin-bottom:0;display:grid}@media (width<=700px){.scenario-grid{grid-template-columns:minmax(0,1fr);overflow:hidden}}.scenario-card{background:var(--bg-card);border:1px solid var(--border-subtle);border-radius:var(--radius);text-align:center;padding:24px 20px}.scenario-current{border-top:3px solid var(--accent)}.scenario-target{border-top:3px solid #10b981}.scenario-best{border-top:3px solid #00f3ff}.scenario-label{text-transform:uppercase;letter-spacing:.1em;color:var(--text-dim);margin-bottom:4px;font-size:.72rem}.scenario-desc{color:var(--text-muted);margin-bottom:12px;font-size:.75rem}.scenario-cac{color:var(--text-main);font-variant-numeric:tabular-nums;margin-bottom:4px;font-size:2rem;font-weight:800}.scenario-current .scenario-cac{color:var(--accent)}.scenario-target .scenario-cac{color:#10b981}.scenario-best .scenario-cac{color:#00f3ff}.scenario-detail{color:var(--text-dim);font-size:.8rem}.matrix-section{background:var(--bg-card);border:1px solid var(--border-subtle);border-radius:var(--radius);padding:24px}.matrix-title{color:var(--text-main);margin-bottom:4px;font-size:.9rem;font-weight:700}.matrix-sub{color:var(--text-muted);margin-bottom:16px;font-size:.78rem}.matrix-wrap{overflow-x:auto}.matrix-table{border-collapse:collapse;white-space:nowrap;width:100%;font-size:.78rem}.matrix-table th{color:var(--text-dim);text-align:center;border:1px solid var(--border-subtle);background:#ffffff0a;padding:7px 12px;font-weight:600}.matrix-table td{text-align:center;border:1px solid var(--border-subtle);font-variant-numeric:tabular-nums;padding:7px 12px;font-weight:600}.matrix-table td.current-cell{outline:2px solid var(--accent);outline-offset:-2px;font-weight:800}.bench-grid{grid-template-columns:1fr 1fr;gap:20px;display:grid}@media (width<=900px){.bench-grid{grid-template-columns:minmax(0,1fr);overflow:hidden}}.bench-table-card{background:var(--bg-card);border:1px solid var(--border-subtle);border-radius:var(--radius);grid-column:1/-1;padding:20px;overflow-x:auto}.bench-table{border-collapse:collapse;width:100%;font-size:.82rem}.bench-table th{text-align:left;color:var(--text-dim);border-bottom:1px solid var(--border-subtle);text-transform:uppercase;letter-spacing:.05em;padding:10px 14px;font-size:.72rem;font-weight:600}.bench-table td{color:var(--text-main);border-bottom:1px solid #ffffff0a;padding:10px 14px}.bench-table tr:hover td{background:#ffffff08}.bench-table tr.your-row td{color:var(--accent);border-top:1px solid #0ea5e94d;border-bottom:none;font-weight:700}.faq-section{border-top:1px solid var(--border-subtle);margin-top:64px;padding-top:40px}.faq-heading{color:var(--text-main);margin-bottom:20px;font-size:1.4rem;font-weight:800}.faq-item{border-bottom:1px solid var(--border-subtle);padding:4px 0}.faq-item summary{cursor:pointer;color:var(--text-main);justify-content:space-between;align-items:center;gap:12px;padding:14px 0;font-size:.9rem;font-weight:600;list-style:none;display:flex}.faq-item summary:after{content:"+";color:var(--accent);flex-shrink:0;font-size:1.2rem;transition:transform .2s}.faq-item[open] summary:after{transform:rotate(45deg)}.faq-item p{color:var(--text-dim);padding-bottom:14px;font-size:.85rem;line-height:1.7}.related-section{margin-top:48px}.related-heading{color:var(--text-main);margin-bottom:16px;font-size:1.1rem;font-weight:700}.related-grid{grid-template-columns:repeat(auto-fill,minmax(160px,1fr));gap:12px;display:grid}.related-card{background:var(--bg-card);border:1px solid var(--border-subtle);border-radius:var(--radius-sm);text-align:center;padding:16px;text-decoration:none;transition:border-color .2s,transform .15s}.related-card:hover{border-color:var(--accent);transform:translateY(-2px)}.related-icon{margin-bottom:6px;font-size:1.5rem}.related-name{color:var(--text-main);margin-bottom:3px;font-size:.82rem;font-weight:700}.related-desc{color:var(--text-dim);font-size:.72rem}.site-footer{border-top:1px solid var(--border-subtle);background:#0006;margin-top:80px}.footer-inner{max-width:1600px;margin:0 auto;padding:48px 24px 24px}.footer-grid{grid-template-columns:2fr 1fr 1fr 1fr;gap:32px;margin-bottom:32px;display:grid}@media (width<=768px){.footer-grid{grid-template-columns:1fr 1fr}}@media (width<=480px){.footer-grid{grid-template-columns:minmax(0,1fr);overflow:hidden}}.footer-logo{color:var(--text-main);margin-bottom:8px;font-size:1.2rem;font-weight:800}.footer-logo span{color:var(--accent)}.footer-tagline{color:var(--text-muted);font-size:.8rem}.footer-col-title{text-transform:uppercase;letter-spacing:.08em;color:var(--accent);margin-bottom:12px;font-size:.75rem;font-weight:700}.footer-col{flex-direction:column;gap:8px;display:flex}.footer-col a{color:var(--text-dim);font-size:.82rem;text-decoration:none;transition:color .2s}.footer-col a:hover{color:var(--accent)}.footer-bottom{border-top:1px solid var(--border-subtle);text-align:center;padding-top:20px}.footer-bottom p{color:var(--text-muted);font-size:.78rem}.back-to-top{background:var(--accent);color:#fff;cursor:pointer;opacity:0;pointer-events:none;z-index:90;border:none;border-radius:50%;width:40px;height:40px;font-size:1rem;transition:opacity .3s,transform .3s;position:fixed;bottom:24px;right:24px}.back-to-top.visible{opacity:1;pointer-events:auto}.back-to-top:hover{transform:translateY(-2px)}[data-theme=light]{--accent:#4f46e5;--bg-card:#fff;--bg-dark:#f1f5f9;--bg-input:#e2e8f0;--border-subtle:#00000014;--cyan:#0e7490;--purple:#7c3aed;--shadow-card:0 2px 8px #00000014;--text-dim:#334155;--text-main:#0f172a;--text-muted:#475569}[data-theme=light] body{color:#0f172a;background-color:#f1f5f9;background-image:none}[data-theme=light] input,[data-theme=light] select{color-scheme:light}[data-theme=light] .dashboard-container,[data-theme=light] .dashboard-wrapper{background:0 0}[data-theme=light] .dashboard-panel,[data-theme=light] .dashboard-card,[data-theme=light] .card,[data-theme=light] .glass-card,[data-theme=light] .compact-card,[data-theme=light] .calculator-card{color:#0f172a;background:#fff;border-color:#0000001f;box-shadow:0 2px 8px #00000014}[data-theme=light] .input-group label,[data-theme=light] .input-label{color:#334155}[data-theme=light] .input-group input,[data-theme=light] .input-group select,[data-theme=light] .glass-input,[data-theme=light] .input-field,[data-theme=light] .fintech-input,[data-theme=light] .dashboard-input,[data-theme=light] .styled-input{color:#0f172a;background:#e2e8f0;border-color:#00000026}[data-theme=light] .tab-btn,[data-theme=light] .calc-tab-btn,[data-theme=light] .segment-pill,[data-theme=light] .input-tab-btn{color:#334155;background:#e2e8f0;border-color:#00000014}[data-theme=light] .tab-btn.active,[data-theme=light] .calc-tab-btn.active,[data-theme=light] .segment-pill.active,[data-theme=light] .input-tab-btn.active{color:#fff;background:#0e7490}[data-theme=light] .preset-chip,[data-theme=light] .chip{color:#334155;background:#e2e8f0;border-color:#00000014}[data-theme=light] .preset-chip.active,[data-theme=light] .chip.active{color:#fff;background:#0e7490}[data-theme=light] .stat-card{background:#fff;border-color:#0000001f}[data-theme=light] .stat-label{color:#475569}[data-theme=light] .stat-value{color:#0f172a}[data-theme=light] .hero-result,[data-theme=light] .hero-result-box,[data-theme=light] .result-card{color:#0f172a;background:#fff;border-color:#0000001f}[data-theme=light] .formula-strip,[data-theme=light] .formula-pill{color:#334155;background:#f1f5f9;border-color:#00000014}[data-theme=light] .alert{color:#334155;background:#f8fafc;border-color:#00000014}[data-theme=light] .action-btn{color:#334155;background:#fff;border-color:#00000026}[data-theme=light] .action-btn:hover{background:#f1f5f9}[data-theme=light] .chart-card,[data-theme=light] .chart-block,[data-theme=light] .chart-wrapper{background:#fff;border-color:#0000001f}[data-theme=light] .scenario-card{color:#0f172a;background:#fff;border-color:#0000001f}[data-theme=light] .compare-card,[data-theme=light] .winner-card,[data-theme=light] .winner-banner{color:#0f172a;background:#f8fafc;border-color:#0000001f}[data-theme=light] table,[data-theme=light] .data-table,[data-theme=light] .schedule-table,[data-theme=light] .amort-table{border-color:#0000001f}[data-theme=light] th{color:#334155;background:#f1f5f9;border-color:#0000001f}[data-theme=light] td{color:#0f172a;border-color:#0000000f}[data-theme=light] .how-to-card,[data-theme=light] .how-it-works,[data-theme=light] .onboarding-card-final{color:#0f172a;background:#fff;border-color:#00000014}[data-theme=light] .faq-item{background:#fff;border-color:#00000014}[data-theme=light] .faq-question{color:#0f172a}[data-theme=light] .faq-answer{color:#475569}[data-theme=light] .breadcrumb,[data-theme=light] .calc-breadcrumb{color:#475569;background:#00000008}[data-theme=light] .breadcrumb a{color:#475569}[data-theme=light] .breadcrumb a:hover{color:#0e7490}[data-theme=light] .calc-btn,[data-theme=light] .calculate-btn{color:#fff;background:#0e7490}[data-theme=light] .toggle-btn{color:#334155;background:#e2e8f0}[data-theme=light] .toggle-btn.active{color:#fff;background:#0e7490}[data-theme=light] .modal-content,[data-theme=light] .modal-body{color:#0f172a;background:#fff;border-color:#0000001f}[data-theme=light] .tooltip-label{color:#475569}[data-theme=light] .glossary-card{color:#0f172a;background:#f8fafc;border-color:#00000014}[data-theme=light] .mobile-nav,[data-theme=light] .mobile-sticky-footer{background:#fffffffa;border-top:1px solid #0000001f}[data-theme=light] .mobile-nav .nav-link{color:#334155}[data-theme=light] .back-to-top{color:#475569;background:#0000000f}[data-theme=light] .sub-category-nav-wrapper,[data-theme=light] .sub-nav-link{color:#334155;background:0 0}[data-theme=light] .sub-nav-link.active{color:#0e7490;border-color:#0e7490}[data-theme=light] .custom-select-trigger,[data-theme=light] .glass-select,[data-theme=light] .styled-select{color:#0f172a;background:#e2e8f0;border-color:#00000026}[data-theme=light] .custom-select-options{background:#fff;border-color:#0000001f}[data-theme=light] .custom-select-option{color:#0f172a}[data-theme=light] .custom-select-option:hover{background:#f1f5f9}[data-theme=light] .controls-panel,[data-theme=light] .sidebar,[data-theme=light] .results-column{background:0 0}[data-theme=light] .section-title,[data-theme=light] .section-header{color:#0f172a}[data-theme=light] .section-subtitle,[data-theme=light] .section-desc{color:#475569}::-webkit-scrollbar{width:6px;height:6px}::-webkit-scrollbar-track{background:#0f172a;border-radius:3px}::-webkit-scrollbar-thumb{background:#334155;border-radius:3px}::-webkit-scrollbar-thumb:hover{background:#475569}[data-theme=light] ::-webkit-scrollbar-track{background:#e2e8f0}[data-theme=light] ::-webkit-scrollbar-thumb{background:#94a3b8}[data-theme=light] ::-webkit-scrollbar-thumb:hover{background:#64748b}