@import "https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800&display=swap";:root{--bg-app:#050510;--bg-card:#0d0d1f;--bg-input:#111127;--bg-elevated:#16162e;--accent:#0ea5e9;--accent-dim:#0ea5e926;--positive:#10b981;--negative:#ef4444;--warning:#f59e0b;--text-primary:#fff;--text-secondary:#c0c8e8;--text-dim:#88a;--text-muted:#666680;--border:#ffffff14;--border-accent:#0ea5e94d;--cyan:#00f3ff;--purple:#bc13fe;--radius-lg:16px;--radius-md:12px;--radius-sm:8px;--font-main:"Inter", -apple-system, sans-serif;--font-mono:"Courier New", monospace}*,:before,:after{box-sizing:border-box}body{background:var(--bg-app);color:var(--text-primary);font-family:var(--font-main);min-height:100vh;margin:0;line-height:1.6}.navbar-logo{color:var(--accent);letter-spacing:-.02em;font-size:1.2rem;font-weight:800;text-decoration:none}.navbar-logo span{color:var(--cyan)}.navbar-links{flex-wrap:wrap;align-items:center;gap:2px;display:flex}.navbar-links a{color:var(--text-dim);white-space:nowrap;border-radius:6px;padding:5px 10px;font-size:.82rem;text-decoration:none;transition:color .2s,background .2s}.navbar-links a:hover,.navbar-links a.active{color:var(--accent);background:var(--accent-dim)}.main-container{max-width:1200px;margin:0 auto;padding:24px 20px 64px}.calc-breadcrumb{color:var(--text-dim);margin-bottom:8px;padding:12px 0;font-size:.8rem}.calc-breadcrumb a{color:var(--text-dim);text-decoration:none;transition:color .2s}.calc-breadcrumb a:hover{color:var(--accent)}.calc-breadcrumb .sep{opacity:.5;margin:0 6px}.dashboard-header{margin-bottom:20px}.calc-title{letter-spacing:-.02em;margin:0 0 4px;font-size:1.8rem;font-weight:700}.calc-subtitle{color:var(--text-dim);margin:0;font-size:.9rem}.tab-nav{border-bottom:1px solid var(--border);gap:4px;margin-bottom:24px;padding-bottom:4px;display:flex}.tab-btn{color:var(--text-dim);cursor:pointer;font-size:.9rem;font-family:var(--font-main);background:0 0;border:none;border-radius:8px 8px 0 0;padding:8px 18px;font-weight:500;transition:all .2s;position:relative}.tab-btn:hover{color:var(--text-secondary);background:#ffffff0a}.tab-btn.active{background:var(--accent-dim);color:var(--accent);border-bottom:2px solid var(--accent)}.dashboard-wrapper{grid-template-columns:320px 1fr;align-items:start;gap:20px;display:grid}.sidebar{flex-direction:column;gap:16px;display:flex}.content-area{flex-direction:column;gap:0;min-width:0;display:flex}.input-card{background:var(--bg-card);border:1px solid var(--border);border-left:3px solid var(--cyan);border-radius:var(--radius-lg);padding:20px}.result-card{background:var(--bg-card);border:1px solid var(--border);border-left:3px solid var(--purple);border-radius:var(--radius-lg);margin-bottom:16px;padding:20px}.chart-block{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius-lg);min-width:0;margin-bottom:16px;padding:20px;overflow:hidden}.chart-block canvas{max-width:100%}.section-title{color:var(--text-secondary);margin:0 0 14px;font-size:1rem;font-weight:600}.hero-result{text-align:center;background:linear-gradient(135deg, var(--bg-card), var(--bg-elevated));border:1px solid var(--border-accent);border-radius:var(--radius-lg);margin-bottom:16px;padding:28px 20px}.hero-value{color:var(--accent);font-size:3.2rem;font-weight:800;font-family:var(--font-mono);margin-bottom:8px;line-height:1}.hero-label{color:var(--text-dim);margin-top:4px;margin-bottom:12px;font-size:.85rem}.ltv-cac-badge{letter-spacing:.02em;border-radius:20px;padding:4px 14px;font-size:.82rem;font-weight:700;display:inline-block}.badge-green{color:#34d399;background:#10b98126;border:1px solid #10b98140}.badge-yellow{color:#fbbf24;background:#f59e0b26;border:1px solid #f59e0b40}.badge-red{color:#f87171;background:#ef444426;border:1px solid #ef444440}.stat-grid{grid-template-columns:repeat(3,1fr);gap:12px;margin-bottom:16px;display:grid}.stat-card{background:var(--bg-card);border:1px solid var(--border);border-left:3px solid var(--purple);border-radius:var(--radius-md);padding:16px}.stat-value{color:var(--accent);font-size:1.4rem;font-weight:700;font-family:var(--font-mono)}.stat-label{color:var(--text-dim);text-transform:uppercase;letter-spacing:.04em;margin-top:4px;font-size:.72rem}.formula-strip{flex-wrap:wrap;gap:8px;margin-bottom:16px;display:flex}.formula-pill{background:var(--bg-elevated);border:1px solid var(--border);font-family:var(--font-mono);color:var(--text-dim);white-space:nowrap;border-radius:20px;padding:6px 14px;font-size:.76rem}.alert-stack{margin-bottom:16px}.alert-item{border-radius:var(--radius-sm);gap:10px;margin-bottom:8px;padding:12px 14px;font-size:.85rem;line-height:1.5;display:flex}.alert-item:last-child{margin-bottom:0}.alert-item.alert-warning{color:#fbbf24;background:#f59e0b1a;border:1px solid #f59e0b40}.alert-item.alert-positive{color:#34d399;background:#10b9811a;border:1px solid #10b98140}.alert-item.alert-info{color:#38bdf8;background:#0ea5e91a;border:1px solid #0ea5e940}.alert-item.alert-negative{color:#f87171;background:#ef44441a;border:1px solid #ef444440}.action-bar{flex-wrap:wrap;gap:10px;margin-bottom:16px;display:flex}.action-btn{border-radius:var(--radius-sm);border:1px solid var(--border);background:var(--bg-elevated);color:var(--text-secondary);cursor:pointer;font-size:.82rem;font-family:var(--font-main);white-space:nowrap;padding:9px 18px;font-weight:500;transition:all .2s}.action-btn:hover{border-color:var(--accent);color:var(--accent)}.input-group{margin-bottom:16px}.input-group:last-child{margin-bottom:0}.input-label{color:var(--text-dim);text-transform:uppercase;letter-spacing:.04em;margin-bottom:6px;font-size:.76rem;font-weight:500;display:block}.input-field{box-sizing:border-box;background:var(--bg-input);border:1px solid var(--border);border-radius:var(--radius-sm);width:100%;color:var(--text-primary);font-size:.95rem;font-family:var(--font-main);outline:none;padding:10px 12px;transition:border-color .2s}.input-field:focus{border-color:var(--accent)}.input-field::placeholder{color:var(--text-muted)}.input-hint{color:var(--text-muted);margin-top:4px;font-size:.72rem}.mode-chips{gap:8px;margin-bottom:6px;display:flex}.mode-chip-label{border:1px solid var(--border);background:var(--bg-input);color:var(--text-dim);cursor:pointer;border-radius:20px;align-items:center;gap:6px;padding:6px 14px;font-size:.8rem;transition:all .2s;display:flex}.mode-chip-label input[type=radio]{display:none}.mode-chip-label:has(input:checked){background:var(--accent-dim);border-color:var(--accent);color:var(--accent)}.input-divider{background:var(--border);height:1px;margin:16px 0}.scenario-cards{grid-template-columns:repeat(3,1fr);gap:16px;margin-bottom:24px;display:grid}.scenario-card{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius-md);padding:18px}.scenario-card.bull{border-top:2px solid var(--positive)}.scenario-card.base{border-top:2px solid var(--accent)}.scenario-card.bear{border-top:2px solid var(--negative)}.matrix-wrapper{border-radius:var(--radius-md);margin-top:8px;overflow-x:auto}.matrix-table{border-collapse:collapse;width:100%;min-width:480px;font-size:.78rem}.matrix-cell{text-align:center;border:1px solid var(--border);padding:6px 8px}.matrix-cell.heat-low{background:#10b98126}.matrix-cell.heat-mid{background:#f59e0b26}.matrix-cell.heat-high{background:#ef444426}.matrix-cell.current-cell{border-color:var(--accent);outline:2px solid var(--accent);font-weight:700}.bench-table{border-collapse:collapse;width:100%;margin-bottom:20px;font-size:.85rem}.bench-table th{background:var(--bg-elevated);text-align:left;text-transform:uppercase;letter-spacing:.04em;color:var(--text-dim);border-bottom:1px solid var(--border);padding:10px 14px;font-size:.72rem;font-weight:600}.bench-table td{border-bottom:1px solid var(--border);color:var(--text-secondary);padding:10px 14px}.bench-table tr:last-child td{border-bottom:none}.bench-table tr:hover td{background:#ffffff05}.bench-table td.highlight{color:var(--accent);font-weight:600}.improve-card{background:var(--bg-card);border:1px solid var(--border);border-left:3px solid var(--accent);border-radius:var(--radius-md);margin-top:20px;padding:20px}.improve-result{background:var(--bg-elevated);border-radius:var(--radius-sm);color:var(--text-secondary);margin-top:12px;padding:14px;font-size:.9rem;line-height:1.7}.improve-result strong{color:var(--accent)}.faq-section{border-top:1px solid var(--border);margin-top:48px;padding-top:32px}.faq-title{color:var(--text-primary);margin-bottom:20px;font-size:1.4rem;font-weight:700}.faq-item{border:1px solid var(--border);border-radius:var(--radius-md);margin-bottom:10px;overflow:hidden}.faq-question{text-align:left;background:var(--bg-card);width:100%;color:var(--text-primary);cursor:pointer;font-size:.95rem;font-weight:600;font-family:var(--font-main);border:none;justify-content:space-between;align-items:center;padding:16px 20px;transition:background .2s;display:flex}.faq-question:hover{background:var(--bg-elevated)}.faq-question:after{content:"+";color:var(--accent);flex-shrink:0;margin-left:12px;font-size:1.2rem}.faq-item.open .faq-question:after{content:"−"}.faq-answer{background:var(--bg-card);color:var(--text-dim);padding:0 20px 16px;font-size:.88rem;line-height:1.7;display:none}.faq-item.open .faq-answer{display:block}.related-section{border-top:1px solid var(--border);margin-top:40px;padding-top:28px}.related-title{color:var(--text-secondary);margin-bottom:14px;font-size:1.1rem;font-weight:600}.related-grid{grid-template-columns:repeat(auto-fill,minmax(180px,1fr));gap:10px;display:grid}.related-card{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius-md);color:var(--text-secondary);align-items:center;gap:8px;padding:14px 16px;font-size:.85rem;font-weight:500;text-decoration:none;transition:all .2s;display:flex}.related-card:hover{border-color:var(--accent);color:var(--accent);background:var(--accent-dim)}.related-icon{flex-shrink:0;font-size:1.1rem}.site-footer{background:var(--bg-card);border-top:1px solid var(--border);margin-top:64px;padding:40px 24px 24px}.footer-inner{max-width:1200px;margin:0 auto}.footer-grid{grid-template-columns:2fr repeat(3,1fr);gap:32px;margin-bottom:32px;display:grid}.footer-brand .footer-logo{color:var(--accent);margin-bottom:8px;font-size:1.1rem;font-weight:800}.footer-brand p{color:var(--text-muted);margin:0;font-size:.82rem;line-height:1.6}.footer-col-title{text-transform:uppercase;letter-spacing:.06em;color:var(--text-dim);margin-bottom:12px;font-size:.78rem;font-weight:700}.footer-links{flex-direction:column;gap:8px;margin:0;padding:0;list-style:none;display:flex}.footer-links a{color:var(--text-muted);font-size:.83rem;text-decoration:none;transition:color .2s}.footer-links a:hover{color:var(--accent)}.footer-bottom{border-top:1px solid var(--border);flex-wrap:wrap;justify-content:space-between;align-items:center;gap:8px;padding-top:20px;display:flex}.footer-bottom p{color:var(--text-muted);margin:0;font-size:.78rem}.chart-canvas-wrap{height:260px;position:relative}.chart-canvas-wrap-tall{height:320px;position:relative}@media (width<=1024px){.footer-grid{grid-template-columns:1fr 1fr}}@media (width<=900px){.dashboard-wrapper{grid-template-columns:minmax(0,1fr);overflow:hidden}.stat-grid{grid-template-columns:repeat(2,1fr)}.scenario-cards{grid-template-columns:minmax(0,1fr);overflow:hidden}.navbar-links a{padding:4px 7px;font-size:.74rem}.hero-value{font-size:2.4rem}}@media (width<=640px){.main-container{padding:16px 14px 48px}.calc-title{font-size:1.4rem}.tab-btn{padding:7px 12px;font-size:.82rem}.stat-grid{grid-template-columns:1fr 1fr}.formula-strip{flex-direction:column}.footer-grid{grid-template-columns:minmax(0,1fr);overflow:hidden}.footer-bottom{flex-direction:column;align-items:flex-start}}[data-theme=light]{--accent:#4f46e5;--bg-app:#f1f5f9;--bg-card:#fff;--bg-elevated:#dbe1ea;--bg-input:#e2e8f0;--border:#00000026;--cyan:#0e7490;--purple:#7c3aed;--text-dim:#334155;--text-muted:#475569;--text-primary:#0f172a;--text-secondary:#334155;--warning:#d97706}[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}