:root{--accent:var(--calc-color-daily);--accent-dim:#ffd70026;--accent-border:#ffd7004d;--bg-app:#050510;--bg-card:#0d0d1f;--bg-input:#111128;--text-primary:#fff;--text-secondary:#88a;--text-muted:#557;--cyan:#00f3ff;--purple:#bc13fe;--green:#10b981;--red:#f43f5e;--amber:#f59e0b;--border:#ffffff14;--radius:12px}*{box-sizing:border-box;margin:0;padding:0}body{background:var(--bg-app);color:var(--text-primary);min-height:100vh;font-family:Inter,sans-serif;line-height:1.5}a{color:inherit;text-decoration:none}.calc-breadcrumb{color:var(--calc-text-muted);padding:10px 24px;font-size:.79rem}.calc-breadcrumb a{color:var(--text-secondary)}.main-container{max-width:1200px;margin:0 auto;padding:24px}.calc-title{margin-bottom:8px;font-size:2rem;font-weight:700}.calc-subtitle{color:var(--text-secondary);margin-bottom:24px}.tab-nav{border-bottom:1px solid var(--calc-border-default);gap:4px;margin-bottom:24px;display:flex}.tab-btn{color:var(--text-secondary);cursor:pointer;background:0 0;border:none;border-bottom:2px solid #0000;margin-bottom:-1px;padding:10px 22px;font-family:inherit;font-size:.9rem;transition:transform .25s,opacity .25s,color .2s,box-shadow .25s}.tab-btn:hover{color:var(--text-primary)}.tab-btn.active{color:var(--accent);border-bottom-color:var(--accent);font-weight:600}.tab-content{display:none}.tab-content.active{display:block}.calc-layout{grid-template-columns:360px 1fr;align-items:start;gap:20px;display:grid}@media (width<=960px){.calc-layout{grid-template-columns:minmax(0,1fr);overflow:hidden}}.card{background:var(--calc-bg-card);border:1px solid var(--calc-border-default);border-radius:var(--calc-radius-md);padding:20px}.input-card{border-left:3px solid var(--calc-cyan)}.result-card{border-left:3px solid var(--purple)}.section-title{margin-bottom:14px;font-size:1rem;font-weight:700}.form-group{margin-bottom:18px}.form-label{color:var(--text-secondary);margin-bottom:7px;font-size:.82rem;font-weight:500;display:block}.shape-chips{flex-wrap:wrap;gap:8px;display:flex}.shape-chip{border:1px solid var(--calc-border-default);background:var(--bg-input);color:var(--text-secondary);cursor:pointer;text-align:center;border-radius:8px;padding:7px 13px;font-family:inherit;font-size:.82rem;line-height:1.3;transition:transform .25s,opacity .25s,color .2s,box-shadow .25s}.shape-chip:hover{color:var(--text-primary);border-color:#ffd70066}.shape-chip.active{border-color:var(--accent);color:var(--accent);background:#ffd7001f;font-weight:600}.chip-sub{color:var(--calc-text-muted);margin-top:2px;font-size:.68rem;display:block}.shape-chip.active .chip-sub{color:#ffd700b3}.hero-result{text-align:center;border-radius:var(--calc-radius-md);background:linear-gradient(135deg,#ffd7001a,#ffa5000a);border:1px solid #ffd70040;margin-bottom:16px;padding:24px 20px}.hero-label{color:var(--calc-text-muted);text-transform:uppercase;letter-spacing:.09em;margin-bottom:6px;font-size:.75rem}.hero-value{color:var(--accent);font-size:2.4rem;font-weight:800;line-height:1.1;transition:opacity .15s}.hero-sub{color:var(--text-secondary);margin-top:6px;font-size:.85rem}.hero-badges{flex-wrap:wrap;justify-content:center;gap:8px;margin-top:12px;display:flex}.risk-badge{letter-spacing:.04em;border-radius:20px;padding:4px 12px;font-size:.73rem;font-weight:700;display:inline-block}.risk-low{color:#10b981;background:#10b98126;border:1px solid #10b9814d}.risk-moderate{color:#f59e0b;background:#f59e0b26;border:1px solid #f59e0b4d}.risk-high{color:#fb923c;background:#fb923c26;border:1px solid #fb923c4d}.risk-very-high{color:#f43f5e;background:#f43f5e26;border:1px solid #f43f5e4d}.formula-strip{flex-wrap:wrap;gap:8px;margin-bottom:16px;display:flex}.formula-pill{color:var(--accent);white-space:nowrap;background:#ffd70017;border:1px solid #ffd70047;border-radius:20px;padding:5px 13px;font-size:.73rem}.stat-grid{grid-template-columns:repeat(3,1fr);gap:10px;margin-bottom:16px;display:grid}@media (width<=600px){.stat-grid{grid-template-columns:repeat(2,1fr)}}.stat-card{border:1px solid var(--calc-border-default);border-left:3px solid var(--purple);background:#ffffff05;border-radius:10px;padding:12px}.stat-label{color:var(--calc-text-muted);text-transform:uppercase;letter-spacing:.06em;margin-bottom:5px;font-size:.69rem}.stat-value{color:var(--text-primary);font-size:1.05rem;font-weight:700}.alert-stack{flex-direction:column;gap:8px;margin-bottom:16px;display:flex}.alert{border-left:3px solid;border-radius:8px;padding:10px 14px;font-size:.83rem;line-height:1.5}.alert-info{color:#7fffd4;background:#00d1c112;border-color:#00d1c1}.alert-success{border-color:var(--green);color:#6ee7b7;background:#10b98114}.alert-warn{border-color:var(--amber);color:#fcd34d;background:#f59e0b14}.breakdown-chart-section{border:1px solid var(--calc-border-default);border-radius:var(--calc-radius-md);background:#ffffff05;margin-top:16px;padding:16px}.breakdown-chart-title{color:var(--text-secondary);text-transform:uppercase;letter-spacing:.06em;text-align:center;margin-bottom:12px;font-size:.8rem;font-weight:700}.action-row{flex-wrap:wrap;gap:10px;margin-top:16px;display:flex}.action-btn{color:var(--accent);cursor:pointer;background:#ffd70014;border:1px solid #ffd70040;border-radius:8px;padding:8px 18px;font-family:inherit;font-size:.86rem;font-weight:600;transition:transform .25s,opacity .25s,color .2s,box-shadow .25s}.action-btn:hover{background:#ffd7002e}.action-btn-secondary{border:1px solid var(--calc-border-default);color:var(--text-secondary);background:#ffffff0a}.action-btn-secondary:hover{color:var(--text-primary);background:#ffffff14}.ev-total-row td{border-top:1px solid #ffd70033}.ev-total-row strong{color:var(--text-primary)}.net-benefit-callout{text-align:center;border:1px solid var(--calc-border-default);border-radius:var(--calc-radius-md);background:#ffffff05;margin-bottom:20px;padding:20px}.net-benefit-label{color:var(--calc-text-muted);text-transform:uppercase;letter-spacing:.06em;margin-bottom:8px;font-size:.8rem}.net-benefit-num{font-size:2.2rem;font-weight:800;line-height:1.1}.net-positive{color:#10b981}.net-negative{color:#f43f5e}.net-benefit-sublabel{color:var(--text-secondary);margin-top:8px;font-size:.84rem}.self-insure-card{border-radius:var(--calc-radius-md);background:#10b9810f;border:1px solid #10b98133;margin-bottom:20px;padding:18px}.self-insure-title{color:#10b981;margin-bottom:4px;font-size:.95rem;font-weight:700}.self-insure-note{color:var(--text-secondary);margin-bottom:14px;font-size:.82rem}.fund-grid{grid-template-columns:repeat(3,1fr);gap:12px;display:grid}.fund-cell{text-align:center}.fund-period{color:var(--calc-text-muted);text-transform:uppercase;letter-spacing:.05em;margin-bottom:4px;font-size:.72rem}.fund-amount{color:#10b981;font-size:1.05rem;font-weight:700}.scenario-grid{grid-template-columns:repeat(3,1fr);gap:12px;margin-bottom:20px;display:grid}@media (width<=680px){.scenario-grid{grid-template-columns:minmax(0,1fr);overflow:hidden}}.scenario-card{border:1px solid var(--calc-border-default);text-align:center;background:#ffffff05;border-radius:10px;padding:16px}.scenario-card:first-child{border-top:3px solid var(--green)}.scenario-card:nth-child(2){border-top:3px solid var(--amber)}.scenario-card:nth-child(3){border-top:3px solid var(--red)}.scenario-icon{margin-bottom:8px;font-size:1.8rem}.scenario-label{color:var(--text-primary);margin-bottom:4px;font-size:.87rem;font-weight:700}.scenario-note{color:var(--calc-text-muted);margin-bottom:10px;font-size:.76rem;line-height:1.4}.scenario-net{font-size:1rem;font-weight:800}.scenario-pos{color:#10b981}.scenario-neg{color:#f43f5e}.verdict-card{text-align:center;border-radius:10px;margin-top:16px;padding:20px}.verdict-yes{background:#10b98114;border:1px solid #10b9814d;border-left:4px solid #10b981}.verdict-no{background:#f43f5e14;border:1px solid #f43f5e4d;border-left:4px solid #f43f5e}.verdict-maybe{background:#f59e0b14;border:1px solid #f59e0b4d;border-left:4px solid #f59e0b}.verdict-title{margin-bottom:8px;font-size:1.3rem;font-weight:800}.verdict-text{color:var(--text-secondary);font-size:.88rem;line-height:1.55}.data-table{border-collapse:collapse;width:100%;font-size:.87rem}.data-table th{color:var(--accent);text-align:left;border-bottom:1px solid var(--calc-border-default);background:#ffd70017;padding:10px 14px;font-weight:600}.data-table td{color:var(--text-secondary);border-bottom:1px solid #ffffff0a;padding:9px 14px}.data-table tr:hover td{background:#ffffff05}.planner-section{margin-bottom:28px}.planner-section-title{border-bottom:1px solid var(--calc-border-default);margin-bottom:14px;padding-bottom:8px;font-size:1rem;font-weight:700}.rate-slider-row{flex-wrap:wrap;align-items:center;gap:16px;margin-bottom:16px;display:flex}.rate-slider-label{color:var(--text-secondary);white-space:nowrap;font-size:.85rem}.rate-slider-value{color:var(--accent);min-width:45px;font-size:1.1rem;font-weight:700}input[type=range]{-webkit-appearance:none;cursor:pointer;background:#ffffff1a;border-radius:3px;flex:1;min-width:120px;height:5px}input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;background:var(--accent);cursor:pointer;border-radius:50%;width:18px;height:18px;box-shadow:0 0 8px #ffd70066}.emergency-section{border:1px solid var(--calc-border-default);border-radius:var(--calc-radius-md);background:#ffffff05;margin-top:20px;padding:20px}.emergency-title{margin-bottom:4px;font-size:1rem;font-weight:700}.emergency-note{color:var(--text-secondary);margin-bottom:16px;font-size:.82rem}.emergency-bill-display{color:var(--accent);text-align:center;margin-bottom:8px;font-size:2rem;font-weight:800}.emergency-comparison{grid-template-columns:1fr 1fr;gap:12px;margin-top:16px;display:grid}.emergency-col{text-align:center;border:1px solid var(--calc-border-default);border-radius:10px;padding:14px}.emergency-col-label{color:var(--calc-text-muted);text-transform:uppercase;letter-spacing:.06em;margin-bottom:6px;font-size:.75rem}.emergency-col-val{font-size:1.3rem;font-weight:800}.col-with{background:#10b98112;border-color:#10b98140}.col-without{background:#f43f5e12;border-color:#f43f5e40}.col-with .emergency-col-val{color:#10b981}.col-without .emergency-col-val{color:#f43f5e}.emergency-saving-bar-wrap{margin-top:14px}.emergency-saving-label{color:var(--text-secondary);margin-bottom:6px;font-size:.8rem}.emergency-bar{background:#ffffff0f;border-radius:6px;height:22px;overflow:hidden}.emergency-fill{color:#000;background:linear-gradient(90deg,#10b981,gold);border-radius:6px;justify-content:flex-end;align-items:center;min-width:40px;height:100%;padding-right:8px;font-size:.75rem;font-weight:700;transition:width .5s;display:flex}.faq-section{max-width:1200px;margin:48px auto 0;padding:0 24px 48px}.faq-section h2{margin-bottom:20px;font-size:1.5rem}.faq-list{flex-direction:column;display:flex}.faq-item__question,.faq-q{cursor:pointer;color:var(--text-primary);user-select:none;text-align:left;background:0 0;border:none;justify-content:space-between;align-items:center;width:100%;padding:14px 4px;font-family:inherit;font-size:.92rem;font-weight:600;list-style:none;transition:color .2s;display:flex}.faq-item__question::-webkit-details-marker{display:none}.faq-q span,.faq-item__question:after{content:"+";color:var(--calc-text-muted);flex-shrink:0;margin-left:16px;font-family:Courier New,monospace;font-size:1.1rem}.faq-q:hover{color:var(--accent)}.faq-a,.faq-item__answer{color:var(--text-secondary);padding:0 4px 14px;font-size:.86rem;line-height:1.7;display:none}.faq-item.open .faq-a{display:block}.related-section{max-width:1200px;margin:0 auto;padding:0 24px 48px}.related-section h2{margin-bottom:16px;font-size:1.3rem}.related-grid{grid-template-columns:repeat(auto-fill,minmax(185px,1fr));gap:12px;display:grid}.related-card{background:var(--calc-bg-card);border:1px solid var(--calc-border-default);color:var(--text-secondary);border-radius:8px;padding:13px;font-size:.87rem;transition:transform .25s,opacity .25s,color .2s,box-shadow .25s}.related-card:hover{border-color:var(--accent);color:var(--text-primary)}.page-sections-outer{max-width:1600px;margin:0 auto;padding:0 1.5rem 3rem}@media (width<=768px){.main-container{padding:16px}.calc-title{font-size:1.55rem}.tab-btn{padding:8px 12px;font-size:.82rem}.hero-value{font-size:1.9rem}.stat-grid{grid-template-columns:repeat(2,1fr)}.fund-grid,.emergency-comparison,.scenario-grid{grid-template-columns:minmax(0,1fr);overflow:hidden}.action-row{flex-direction:column}.action-btn{text-align:center;width:100%}}[data-theme=light]{--bg-app:#edf2f9;--bg-card:#fff;--bg-input:#e8eef4;--text-primary:#0f172a;--text-secondary:#334155;--text-muted:#64748b;--border:#0000001a}[data-theme=light] body{background-color:#edf2f9}[data-theme=light] .card{background:#fff;border-color:#0000001a;box-shadow:0 2px 10px #0000000f}[data-theme=light] .tab-btn{color:#64748b}[data-theme=light] .tab-btn:hover{color:#0f172a}[data-theme=light] .tab-btn.active{color:#0e7490;border-bottom-color:#0e7490}[data-theme=light] .shape-chip{color:#334155;background:#edf2f9;border-color:#0000001f}[data-theme=light] .shape-chip:hover{color:#0f172a;border-color:#0e749066}[data-theme=light] .shape-chip.active{color:#155e75;background:#fffbeb;border-color:#0e7490}[data-theme=light] .chip-sub{color:#94a3b8}[data-theme=light] .shape-chip.active .chip-sub{color:#0e749099}[data-theme=light] .hero-result{background:#fffbeb;border-color:#0e74904d;box-shadow:0 2px 12px #0e74900f}[data-theme=light] .hero-label{color:#155e75}[data-theme=light] .hero-sub{color:#64748b}[data-theme=light] .risk-low{color:#065f46;background:#f0fdf4;border-color:#065f464d}[data-theme=light] .risk-moderate{color:#155e75;background:#fffbeb;border-color:#0e74904d}[data-theme=light] .risk-high{color:#c2410c;background:#fff7ed;border-color:#c2410c4d}[data-theme=light] .risk-very-high{color:#be123c;background:#fff1f2;border-color:#be123c4d}[data-theme=light] .formula-pill{color:#155e75;background:#fffbeb;border-color:#0e74904d}[data-theme=light] .stat-card{background:#f8fafc;border-color:#0000001a #0000001a #0000001a #7c3aed}[data-theme=light] .stat-label{color:#64748b}[data-theme=light] .stat-value{color:#0f172a}[data-theme=light] .alert-info{color:#0e7490;background:#eff9fb;border-color:#0e7490}[data-theme=light] .alert-success{color:#065f46;background:#f0fdf4;border-color:#065f46}[data-theme=light] .alert-warn{color:#155e75;background:#fffbeb;border-color:#0e7490}[data-theme=light] .breakdown-chart-section{background:#f8fafc;border-color:#00000014}[data-theme=light] .breakdown-chart-title{color:#64748b}[data-theme=light] .action-btn{color:#155e75;background:#fffbeb;border-color:#0e74904d}[data-theme=light] .action-btn:hover{background:#fef3c7}[data-theme=light] .action-btn-secondary{color:#334155;background:#f8fafc;border-color:#0000001f}[data-theme=light] .data-table th{color:#155e75;background:#fffbeb;border-color:#00000014}[data-theme=light] .data-table td{color:#334155;border-color:#0000000f}[data-theme=light] .data-table tr:hover td{background:#f8fafc}[data-theme=light] .net-benefit-callout{background:#f8fafc;border-color:#00000014}[data-theme=light] .net-benefit-label,[data-theme=light] .net-benefit-sublabel{color:#64748b}[data-theme=light] .self-insure-card{background:#f0fdf4;border-color:#065f4640}[data-theme=light] .self-insure-note{color:#475569}[data-theme=light] .fund-period{color:#64748b}[data-theme=light] .scenario-card{background:#f8fafc;border-color:#00000014}[data-theme=light] .scenario-card:first-child{border-top:3px solid #16a34a}[data-theme=light] .scenario-card:nth-child(2){border-top:3px solid #0e7490}[data-theme=light] .scenario-card:nth-child(3){border-top:3px solid #dc2626}[data-theme=light] .scenario-label{color:#0f172a}[data-theme=light] .scenario-note{color:#64748b}[data-theme=light] .verdict-yes{background:#f0fdf4;border-color:#065f464d #065f464d #065f464d #16a34a;border-left-style:solid;border-left-width:4px}[data-theme=light] .verdict-no{background:#fff1f2;border-color:#be123c4d #be123c4d #be123c4d #dc2626;border-left-style:solid;border-left-width:4px}[data-theme=light] .verdict-maybe{background:#fffbeb;border-color:#0e74904d #0e74904d #0e74904d #0e7490;border-left-style:solid;border-left-width:4px}[data-theme=light] .verdict-title{color:#0f172a}[data-theme=light] .verdict-text{color:#475569}[data-theme=light] .ev-total-row td{border-top-color:#0e749033}[data-theme=light] .ev-total-row strong{color:#0f172a}[data-theme=light] .faq-list{gap:6px}[data-theme=light] .faq-q{color:#0f172a;padding:14px 16px}[data-theme=light] .faq-a{color:#475569;padding:0 16px 14px}[data-theme=light] .faq-item.open{border-color:#0e749059 #0e749059 #0e749059 #0e7490;border-left-style:solid;border-left-width:3px}[data-theme=light] .faq-q:hover{color:#155e75}[data-theme=light] .related-card{color:#334155;background:#fff;border-color:#0000001a}[data-theme=light] .related-card:hover{color:#0f172a;border-color:#0e7490}[data-theme=light] .planner-section-title{color:#0f172a;border-bottom-color:#00000014}[data-theme=light] .rate-slider-label{color:#475569}[data-theme=light] .rate-slider-value{color:#155e75}[data-theme=light] input[type=range]{background:#0000001a}[data-theme=light] .emergency-section{background:#f8fafc;border-color:#00000014}[data-theme=light] .emergency-note,[data-theme=light] .emergency-saving-label{color:#475569}[data-theme=light] .emergency-bar{background:#00000014}[data-theme=light] .emergency-fill{background:linear-gradient(90deg,#065f46,#0e7490)}[data-theme=light] .col-with{background:#f0fdf4;border-color:#065f4640}[data-theme=light] .col-without{background:#fff1f2;border-color:#be123c40}[data-theme=light] .emergency-col-label{color:#64748b}[data-theme=light] input[type=range]::-webkit-slider-thumb{box-shadow:0 0 6px #0e749059}[data-theme=light] input[type=range]::-moz-range-thumb{box-shadow:0 0 6px #0e749059}.upgrade-wrap{max-width:900px;margin:2rem auto;padding:0 1rem;overflow-x:hidden}.u-section{margin:2.5rem 0}.u-title{color:var(--accent);letter-spacing:.03em;margin-bottom:1.2rem;font-size:1.4rem;font-weight:700}.ob-grid{grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:1.2rem;display:grid}.ob-card{background:#ffd7000a;border:1px solid #ffd70026;border-radius:12px;padding:1.4rem}.ob-num{color:var(--accent);opacity:.5;font-size:2rem;font-weight:800;line-height:1}.ob-card h3{color:var(--text-primary);margin:.4rem 0 .5rem;font-size:1rem;font-weight:700}.ob-card p{color:var(--text-secondary);margin:0;font-size:.88rem}.formula-pills2{flex-wrap:wrap;gap:10px;display:flex}.fp2{background:#bc13fe14;border:1px solid #bc13fe40;border-radius:10px;flex-direction:column;flex:180px;gap:5px;min-width:160px;padding:13px 16px;display:flex}.fp2-label{color:#bc13fe;text-transform:uppercase;letter-spacing:.06em;font-size:.73rem;font-weight:700}.fp2-eq{color:var(--text-primary);font-family:Courier New,monospace;font-size:.96rem;font-weight:700}.fp2-desc{color:var(--text-secondary);margin:0;font-size:.8rem}.gloss-grid2{grid-template-columns:repeat(auto-fit,minmax(195px,1fr));gap:10px;margin:0;display:grid}.glossary-chip dt{color:var(--accent);margin:0 0 4px;font-size:.85rem;font-weight:700;display:block}.glossary-chip dd{color:var(--text-secondary);margin:0;font-size:.82rem}.act-row2{box-sizing:border-box;flex-wrap:wrap;gap:10px;max-width:860px;margin:24px auto;padding:0 1rem;display:flex}.act-btn2{color:#88a;cursor:pointer;background:#ffffff0a;border:1px solid #ffffff1a;border-radius:8px;padding:8px 18px;font-family:inherit;font-size:.84rem;font-weight:600;transition:transform .25s,opacity .25s,color .2s,box-shadow .25s}.act-btn2:hover{color:var(--accent);background:#ffd70014;border-color:#ffd7004d}.rel-grid2{grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:10px;display:grid}.rel-card2{color:var(--text-secondary);background:#ffffff05;border:1px solid #ffffff12;border-radius:10px;padding:12px 14px;font-size:.87rem;text-decoration:none;transition:transform .25s,opacity .25s,color .2s,box-shadow .25s;display:block}.rel-card2:hover{color:var(--accent);background:#ffd7000f;border-color:#ffd70040}.article-body2{color:var(--text-secondary);font-size:.92rem;line-height:1.72}.article-body2 h3{color:var(--text-primary);margin:22px 0 8px;font-size:1.05rem;font-weight:700}.article-body2 p{margin:0 0 12px}.rc-title2{color:var(--text-primary);font-size:.9rem;font-weight:700}.rc-desc2{color:var(--text-secondary);margin-top:.3rem;font-size:.8rem}.faq-section-extra .faq-item-enhanced{border:1px solid #ffffff12;border-radius:10px;margin-bottom:8px;overflow:hidden}.faq-section-extra .faq-q{padding:14px 16px;font-size:.93rem;font-weight:600}.faq-section-extra .faq-a{padding:0 16px 14px;display:none}.faq-section-extra .faq-item.open .faq-a{display:block}[data-theme=light] .u-title{color:#155e75}[data-theme=light] .ob-card{background:#fffbeb;border-color:#0e749026}[data-theme=light] .ob-card h3{color:#0f172a}[data-theme=light] .ob-card p{color:#475569}[data-theme=light] .ob-num{color:#0e7490}[data-theme=light] .fp2{background:#7c3aed0d;border-color:#7c3aed33}[data-theme=light] .fp2-label{color:#7c3aed}[data-theme=light] .fp2-eq{color:#0f172a}[data-theme=light] .fp2-desc{color:#475569}[data-theme=light] .glossary-chip dt{color:#155e75}[data-theme=light] .glossary-chip dd{color:#475569}[data-theme=light] .act-btn2{color:#334155;background:#f8fafc;border-color:#0000001a}[data-theme=light] .act-btn2:hover{color:#155e75;background:#fffbeb;border-color:#0e74904d}[data-theme=light] .rel-card2{color:#334155;background:#f8fafc;border-color:#00000014}[data-theme=light] .rel-card2:hover{color:#155e75;background:#fffbeb;border-color:#0e74904d}[data-theme=light] .article-body2 h3{color:#0f172a}[data-theme=light] .article-body2{color:#475569}[data-theme=light] .faq-section-extra .faq-item-enhanced{background:#fff;border-color:#00000014}[data-theme=light] .faq-section-extra .faq-item.open{border-color:#0e749059 #0e749059 #0e749059 #0e7490;border-left-style:solid;border-left-width:3px}.toast{z-index:9999;pointer-events:none;border-radius:8px;max-width:320px;padding:.75rem 1.25rem;font-family:inherit;font-size:.875rem;animation:.2s toastIn;position:fixed;bottom:1.5rem;right:1.5rem;box-shadow:0 4px 16px #00000059}@keyframes toastIn{0%{opacity:0;transform:translateY(6px)}to{opacity:1;transform:translateY(0)}}.toast-success{color:#fff;background:#059669}.toast-warn{color:#fff;background:#f59e0b}.toast-error{color:#fff;background:#dc2626}[data-theme=light] .toast-success{color:#064e3b;background:#d1fae5;box-shadow:0 4px 16px #0000001f}[data-theme=light] .toast-warn{color:#164e63;background:#fef3c7;box-shadow:0 4px 16px #0000001f}[data-theme=light] .toast-error{color:#7f1d1d;background:#fee2e2;box-shadow:0 4px 16px #0000001f}.field-note{color:var(--amber);margin-top:5px;font-size:.77rem;line-height:1.4;display:none}[data-theme=light] .field-note{color:#0e7490}.premium-toggle{justify-content:center;gap:6px;margin-top:12px;display:flex}.ptoggle-btn{cursor:pointer;border:1px solid var(--calc-border-default);background:var(--bg-input);color:var(--text-secondary);border-radius:20px;padding:5px 18px;font-family:inherit;font-size:.78rem;font-weight:600;transition:transform .25s,opacity .25s,color .2s,box-shadow .25s}.ptoggle-btn.active{background:var(--accent-dim);border-color:var(--accent-border);color:var(--accent)}[data-theme=light] .ptoggle-btn{color:#475569;background:#edf2f9;border-color:#0000001f}[data-theme=light] .ptoggle-btn.active{color:#155e75;background:#fffbeb;border-color:#0e7490}.content-nav{background:var(--calc-bg-card);border-top:1px solid var(--calc-border-default);border-bottom:1px solid var(--calc-border-default);z-index:20;scrollbar-width:none;position:sticky;top:0;overflow-x:auto}.content-nav::-webkit-scrollbar{display:none}.content-nav__inner{max-width:1600px;margin:0 auto;padding:0 1.5rem;display:flex}.content-nav__tab{cursor:pointer;color:var(--text-secondary);white-space:nowrap;background:0 0;border:none;border-bottom:2px solid #0000;flex-shrink:0;align-items:center;gap:7px;margin-bottom:-1px;padding:11px 16px;font-family:inherit;font-size:.82rem;transition:transform .25s,opacity .25s,color .2s,box-shadow .25s;display:flex}.content-nav__tab svg{flex-shrink:0;width:14px;height:14px}.content-nav__tab:hover{color:var(--text-primary)}.content-nav__tab.active{color:var(--accent);border-bottom-color:var(--accent);font-weight:600}[data-theme=light] .content-nav{backdrop-filter:blur(10px);background:#fffffff7}[data-theme=light] .content-nav__tab{color:#64748b}[data-theme=light] .content-nav__tab:hover{color:#0f172a}[data-theme=light] .content-nav__tab.active{color:#0e7490;border-bottom-color:#0e7490}.calc-section{max-width:1200px;margin:0 auto;padding:2.5rem 1.5rem}.calc-section__header{align-items:center;gap:14px;margin-bottom:1.5rem;display:flex}.calc-section__icon{border-radius:10px;flex-shrink:0;justify-content:center;align-items:center;width:44px;height:44px;font-size:1.5rem;display:flex}.calc-section__icon--cyan{background:#00f3ff1a}.calc-section__icon--gold{background:#ffd7001a}.calc-section__icon--purple{background:#bc13fe1a}.calc-section__title{margin:0;font-size:1.4rem;font-weight:700}[data-theme=light] .calc-section__icon--cyan,[data-theme=light] .calc-section__icon--gold{background:#0e74901a}[data-theme=light] .calc-section__icon--purple{background:#7c3aed1a}[data-theme=light] .calc-section__title{color:#0f172a}.faq-grid{flex-direction:column;gap:8px;display:flex}.faq-item-enhanced{border:1px solid var(--calc-border-default);background:var(--calc-bg-card);border-radius:10px;transition:border-color .2s,box-shadow .2s;overflow:hidden}.faq-item-enhanced:hover{border-color:var(--accent-border)}.faq-item-enhanced summary{cursor:pointer;color:var(--text-primary);user-select:none;flex-wrap:wrap;align-items:center;gap:8px;padding:14px 16px;font-size:.9rem;font-weight:600;list-style:none;transition:color .2s;display:flex}.faq-item-enhanced summary::-webkit-details-marker{display:none}.faq-item-enhanced summary:hover{color:var(--accent)}.faq-item-enhanced[open]{border-color:var(--accent-border);box-shadow:0 0 0 1px var(--accent-border)}.faq-item-enhanced[open] summary{color:var(--accent)}.faq-item__answer{color:var(--text-secondary);padding:0 16px 14px;font-size:.86rem;line-height:1.72}.faq-chevron{width:15px;height:15px;color:var(--calc-text-muted);flex-shrink:0;margin-left:auto;transition:transform .25s}.faq-item-enhanced[open] .faq-chevron{color:var(--accent);transform:rotate(180deg)}.faq-tag{text-transform:uppercase;letter-spacing:.05em;border-radius:20px;flex-shrink:0;padding:2px 8px;font-size:.66rem;font-weight:700;display:inline-block}.faq-tag--strategy{color:var(--calc-cyan);background:#00f3ff1a;border:1px solid #00f3ff33}.faq-tag--basics{color:var(--green);background:#10b9811a;border:1px solid #10b98133}.faq-tag--advanced{color:var(--purple);background:#bc13fe1a;border:1px solid #bc13fe33}.faq-search{background:var(--bg-input);border:1px solid var(--calc-border-default);border-radius:8px;align-items:center;gap:10px;margin-bottom:14px;padding:9px 14px;display:flex}.faq-search svg{width:16px;height:16px;color:var(--calc-text-muted);flex-shrink:0}.faq-search input{color:var(--text-primary);background:0 0;border:none;flex:1;font-family:inherit;font-size:.9rem}.faq-search input::placeholder{color:var(--calc-text-muted)}.faq-search input:focus{outline:none}[data-theme=light] .faq-item-enhanced{background:#fff;border-color:#00000014}[data-theme=light] .faq-item-enhanced:hover{border-color:#0e749040}[data-theme=light] .faq-item-enhanced summary{color:#0f172a}[data-theme=light] .faq-item-enhanced summary:hover{color:#155e75}[data-theme=light] .faq-item-enhanced[open]{box-shadow:none;border-color:#0e749059 #0e749059 #0e749059 #0e7490;border-left-style:solid;border-left-width:3px}[data-theme=light] .faq-item-enhanced[open] summary{color:#155e75}[data-theme=light] .faq-chevron{color:#94a3b8}[data-theme=light] .faq-item-enhanced[open] .faq-chevron{color:#0e7490}[data-theme=light] .faq-tag--strategy{color:#0e7490;background:#0e74901a;border-color:#0e749033}[data-theme=light] .faq-tag--basics{color:#065f46;background:#065f461a;border-color:#065f4633}[data-theme=light] .faq-tag--advanced{color:#7c3aed;background:#7c3aed1a;border-color:#7c3aed33}[data-theme=light] .faq-search{background:#edf2f9;border-color:#0000001a}[data-theme=light] .faq-search input{color:#0f172a}[data-theme=light] .faq-search input::placeholder{color:#94a3b8}.examples-tabs{flex-wrap:wrap;gap:8px;margin-bottom:16px;display:flex}.examples-tab{cursor:pointer;background:var(--bg-input);border:1px solid var(--calc-border-default);color:var(--text-secondary);border-radius:8px;padding:7px 16px;font-family:inherit;font-size:.81rem;transition:transform .25s,opacity .25s,color .2s,box-shadow .25s}.examples-tab:hover{color:var(--text-primary);border-color:var(--accent-border)}.examples-tab.active{background:var(--accent-dim);border-color:var(--accent-border);color:var(--accent);font-weight:600}.example-card-enhanced{background:var(--bg-input);border:1px solid var(--calc-border-default);border-radius:12px;padding:20px}.example-card__header{align-items:center;gap:14px;margin-bottom:12px;display:flex}.example-card__avatar{font-size:2rem}.example-card__persona h4{color:var(--text-primary);margin:0;font-size:.96rem;font-weight:700}.example-card__body{color:var(--text-secondary);font-size:.87rem;line-height:1.65}[data-theme=light] .examples-tab{color:#475569;background:#edf2f9;border-color:#0000001a}[data-theme=light] .examples-tab:hover{color:#0f172a;border-color:#0e74904d}[data-theme=light] .examples-tab.active{color:#155e75;background:#fffbeb;border-color:#0e7490}[data-theme=light] .example-card-enhanced{background:#f8fafc;border-color:#00000014}[data-theme=light] .example-card__persona h4{color:#0f172a}[data-theme=light] .example-card__body{color:#475569}.glossary-grid{grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:12px;display:grid}.glossary-chip{background:var(--bg-input);border:1px solid var(--calc-border-default);border-radius:10px;flex-direction:column;gap:5px;padding:14px;display:flex}.glossary-chip__term{color:var(--accent);font-size:.85rem;font-weight:700}.glossary-chip__def{color:var(--text-secondary);font-size:.82rem;line-height:1.6}[data-theme=light] .glossary-chip{background:#f0f4f9;border-color:#0000001a}[data-theme=light] .glossary-chip__term{color:#0e7490}[data-theme=light] .glossary-chip__def{color:#475569}[data-theme=light] .action-btn-secondary:hover{background:#edf2f9}[data-theme=light] .net-positive{color:#047857}[data-theme=light] .net-negative{color:#be123c}[data-theme=light] .self-insure-title,[data-theme=light] .fund-amount,[data-theme=light] .scenario-pos{color:#047857}[data-theme=light] .scenario-neg{color:#be123c}[data-theme=light] .col-with .emergency-col-val{color:#047857}[data-theme=light] .col-without .emergency-col-val{color:#be123c}