:root{--bg-dark:#050510;--card:#0c0c1ed9;--input-bg:#ffffff0a;--text-main:#fff;--text-dim:#88a;--text-muted:#666;--border:#ffffff0f;--cyan:#22d3ee;--purple:#a855f7;--accent:var(--calc-color-finance);--font-mono:"JetBrains Mono", "SFMono-Regular", consolas, monospace}*,:before,:after{box-sizing:border-box;margin:0;padding:0}body{background:var(--calc-bg-page);color:var(--calc-text-primary);min-height:100vh;font-family:Inter,-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,sans-serif;line-height:1.6}.glass-navbar{-webkit-backdrop-filter:blur(12px);z-index:1000;background:#050510eb;border-bottom:1px solid #ffffff0f;padding:0 2rem;position:sticky;top:0}.nav-link.active{color:var(--calc-cyan)}.main-container{max-width:1300px;margin:0 auto;padding:24px}.breadcrumb{color:var(--calc-text-muted);align-items:center;gap:6px;margin-bottom:16px;font-size:.8rem;display:flex}.breadcrumb a{color:var(--calc-text-dim);text-decoration:none}.breadcrumb a:hover{color:var(--calc-cyan)}.bc-sep{color:var(--calc-text-muted)}.page-title{text-align:center;color:var(--calc-text-primary);margin-bottom:.4rem;font-size:2.5rem;font-weight:800}.section-desc{color:var(--calc-text-dim);text-align:center;margin-bottom:1.5rem;font-size:.95rem;line-height:1.6}.outer-tabs{border:1px solid var(--calc-border-default);background:#ffffff08;border-radius:12px;justify-content:center;gap:4px;margin-bottom:20px;padding:5px;display:flex}.outer-tab-btn{color:var(--calc-text-dim);cursor:pointer;background:0 0;border:none;border-radius:8px;padding:10px 22px;font-family:inherit;font-size:.88rem;font-weight:600;transition:color .2s,background .2s,box-shadow .2s}.outer-tab-btn:hover{color:var(--calc-text-primary);background:#ffffff0a}.outer-tab-btn.active{background:var(--calc-cyan);color:#050510;box-shadow:0 4px 16px #22d3ee40}.outer-tab-panel{display:none}.outer-tab-panel.active{display:block}.calc-wrapper{grid-template-columns:1fr 1fr;align-items:start;gap:24px;display:grid}.input-card,.result-card{background:var(--calc-bg-card);border:1px solid var(--calc-border-default);border-radius:16px;padding:24px}.input-card{border-left:3px solid var(--calc-cyan)}.result-card{border-left:3px solid var(--purple)}.card-header{text-transform:uppercase;letter-spacing:1.5px;color:var(--calc-cyan);align-items:center;gap:8px;margin-bottom:16px;font-size:.78rem;font-weight:700;display:flex}.result-header{color:var(--purple)}.input-group{margin-bottom:14px}.input-label{color:var(--calc-text-dim);margin-bottom:5px;font-size:.8rem;font-weight:600;display:block}.label-note{color:var(--calc-text-muted);font-size:.72rem;font-weight:400}.input-wrapper{background:var(--input-bg);border:1px solid var(--calc-border-default);border-radius:8px;align-items:center;transition:border-color .2s;display:flex;overflow:hidden}.input-wrapper:focus-within{border-color:var(--calc-cyan)}.input-prefix,.input-suffix{color:var(--calc-text-dim);font-size:.85rem;font-family:var(--font-mono);flex-shrink:0;padding:0 10px}.select-wrapper{overflow:visible}.glass-select{-webkit-appearance:none;appearance:none;cursor:pointer;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%238888aa' stroke-width='2'%3E%3Cpolyline points='6 9 12 15 18 9'%3E%3C/polyline%3E%3C/svg%3E");background-position:right 10px center;background-repeat:no-repeat;padding-right:2rem}.preset-section{margin-top:14px}.preset-label{color:var(--calc-text-muted);text-transform:uppercase;letter-spacing:1px;margin-bottom:6px;font-size:.75rem;font-weight:600}.preset-chips{flex-wrap:wrap;gap:6px;display:flex}.preset-chip{border:1px solid var(--calc-border-default);color:var(--calc-text-dim);cursor:pointer;background:#ffffff08;border-radius:20px;padding:6px 14px;font-family:inherit;font-size:.78rem;font-weight:600;transition:color .2s,border-color .2s,background .2s}.preset-chip:hover{border-color:var(--calc-cyan);color:var(--calc-text-primary)}.preset-chip.active{border-color:var(--calc-cyan);color:var(--calc-cyan);background:#22d3ee1f}.action-row{border-top:1px solid var(--calc-border-default);gap:8px;margin-top:18px;padding-top:14px;display:flex}.action-btn{border:1px solid var(--calc-border-default);color:var(--calc-text-dim);cursor:pointer;background:#ffffff08;border-radius:8px;align-items:center;gap:5px;padding:7px 14px;font-family:inherit;font-size:.78rem;font-weight:600;transition:color .2s,border-color .2s;display:flex}.action-btn:hover{border-color:var(--calc-cyan);color:var(--calc-cyan)}.hero-result{text-align:center;border-bottom:1px solid var(--calc-border-default);margin-bottom:16px;padding:20px 0 16px}.hero-label{text-transform:uppercase;letter-spacing:1.5px;color:var(--calc-text-dim);margin-bottom:4px;font-size:.78rem;font-weight:700}.hero-value{color:var(--calc-cyan);font-size:2.8rem;font-weight:800;font-family:var(--font-mono);line-height:1.1}.stat-grid{grid-template-columns:1fr 1fr;gap:10px;margin-bottom:14px;display:grid}.stat-cell{border:1px solid var(--calc-border-default);background:#ffffff08;border-radius:10px;padding:12px 14px}.stat-label{text-transform:uppercase;letter-spacing:1px;color:var(--calc-text-muted);margin-bottom:2px;font-size:.7rem;font-weight:600}.stat-value{color:var(--calc-text-primary);font-size:1.05rem;font-weight:700;font-family:var(--font-mono)}.rec-pill{border-radius:10px;margin-bottom:14px;padding:10px 16px;font-size:.83rem;font-weight:600;line-height:1.4;display:block}.rec-success{color:#34d399;background:#34d3991a;border:1px solid #34d39940}.rec-warn{color:#f59e0b;background:#f59e0b1a;border:1px solid #f59e0b40}.rec-info{color:#60a5fa;background:#60a5fa1a;border:1px solid #60a5fa40}.rec-error{color:#fb7185;background:#fb71851a;border:1px solid #fb718540}.chart-section{margin-top:4px}.chart-label{text-transform:uppercase;letter-spacing:1px;color:var(--calc-text-muted);margin-bottom:10px;font-size:.75rem;font-weight:600}.schedule-wrap{max-width:900px;margin:0 auto}.schedule-note{color:var(--calc-text-muted);margin-bottom:14px;font-size:.82rem;line-height:1.6}.late-note{color:#f59e0b;font-weight:600}.schedule-table-wrap{border:1px solid var(--calc-border-default);border-radius:10px;max-height:500px;overflow-y:auto}.schedule-table{border-collapse:collapse;width:100%;font-size:.82rem}.schedule-table th{text-align:right;color:var(--calc-text-dim);text-transform:uppercase;letter-spacing:.8px;z-index:1;background:#ffffff0a;padding:10px 14px;font-size:.72rem;font-weight:700;position:sticky;top:0}.schedule-table th:first-child,.schedule-table th:nth-child(2){text-align:left}.schedule-table td{text-align:right;color:var(--calc-text-dim);font-family:var(--font-mono);border-bottom:1px solid #ffffff08;padding:9px 14px;font-size:.8rem}.schedule-table td:first-child,.schedule-table td:nth-child(2){text-align:left;color:var(--calc-text-muted);font-family:inherit}.schedule-table tr:hover td{background:#22d3ee08}.late-row td{background:#f59e0b0f}.late-row td:nth-child(6){color:#f59e0b;font-weight:700}.schedule-table-wrap::-webkit-scrollbar{width:6px}.schedule-table-wrap::-webkit-scrollbar-track{background:#ffffff05}.schedule-table-wrap::-webkit-scrollbar-thumb{background:#ffffff1a;border-radius:3px}.comparison-wrap{max-width:900px;margin:0 auto}.comparison-intro{color:var(--calc-text-dim);margin-bottom:18px;font-size:.85rem;line-height:1.7}.winner-banner{border-radius:12px;margin-bottom:20px;padding:14px 20px;font-size:.9rem;font-weight:700;line-height:1.5}.winner-bnpl{color:#34d399;background:#22d39914;border:1px solid #22d3994d}.winner-cc{color:#a855f7;background:#a855f714;border:1px solid #a855f74d}.winner-neutral{border:1px solid var(--calc-border-default);color:var(--calc-text-dim);background:#ffffff0a}.compare-table-wrap{margin-bottom:16px;overflow-x:auto}.compare-tbl{border-collapse:collapse;width:100%;font-size:.83rem}.compare-tbl th{text-align:left;color:var(--calc-text-dim);text-transform:uppercase;letter-spacing:.8px;background:#ffffff0a;padding:10px 16px;font-size:.75rem;font-weight:700}.compare-tbl td{color:var(--calc-text-dim);font-family:var(--font-mono);border-bottom:1px solid #ffffff0a;padding:10px 16px;font-size:.82rem}.compare-tbl td:first-child{color:var(--calc-text-primary);font-family:inherit;font-size:.82rem;font-weight:600}.compare-tbl tr:hover td{background:#ffffff05}.cc-note{color:var(--calc-text-muted);border-left:3px solid var(--calc-text-muted);background:#ffffff05;border-radius:8px;padding:10px 14px;font-size:.78rem;line-height:1.6}.cc-note strong{color:var(--calc-text-dim)}.page-sections-outer{max-width:1600px;margin:0 auto;padding:0 1.5rem 3rem}.section-title{color:var(--calc-text-primary);text-align:center;margin-bottom:20px;font-size:1.5rem;font-weight:800}.how-section{margin-top:48px}.how-steps{grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px;display:grid}.how-step{background:var(--calc-bg-card);border:1px solid var(--calc-border-default);border-radius:12px;gap:14px;padding:18px;display:flex}.step-num{width:36px;height:36px;color:var(--calc-cyan);background:#22d3ee1f;border-radius:50%;flex-shrink:0;justify-content:center;align-items:center;font-size:.9rem;font-weight:800;display:flex}.step-content h3{color:var(--calc-text-primary);margin-bottom:4px;font-size:.9rem;font-weight:700}.step-content p{color:var(--calc-text-dim);font-size:.82rem;line-height:1.6}.formula-pills2{margin-top:40px}.pills-grid{grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:14px;display:grid}.formula-pill{background:var(--calc-bg-card);border:1px solid var(--calc-border-default);border-radius:12px;padding:16px}.pill-name{text-transform:uppercase;color:var(--calc-cyan);letter-spacing:1px;margin-bottom:6px;font-size:.75rem;font-weight:700}.pill-formula{font-family:var(--font-mono);color:var(--calc-text-primary);margin-bottom:4px;font-size:.88rem}.pill-desc{color:var(--calc-text-muted);font-size:.78rem}.gloss-section2{margin-top:40px}.gloss-grid{grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:14px;display:grid}.gloss-item{background:var(--calc-bg-card);border:1px solid var(--calc-border-default);border-radius:12px;padding:16px}.gloss-term{color:var(--calc-cyan);margin-bottom:4px;font-size:.85rem;font-weight:700}.gloss-def{color:var(--calc-text-dim);font-size:.82rem;line-height:1.6}.faq-section{margin-top:40px}.faq-list{flex-direction:column;display:flex}.faq-item-enhanced{border-bottom:1px solid #ffffff0f}.faq-item__question{cursor:pointer;color:var(--calc-text-primary);user-select:none;justify-content:space-between;align-items:center;padding:14px 4px;font-size:.9rem;font-weight:600;list-style:none;transition:color .2s;display:flex}.faq-item__question::-webkit-details-marker{display:none}.faq-item__question:after{content:"+";font-family:var(--font-mono);color:var(--calc-text-dim);flex-shrink:0;margin-left:16px;font-size:1.1rem;transition:color .2s}.faq-item-enhanced[open] .faq-item__question:after{content:"−";color:var(--accent)}.faq-item__question:hover{color:var(--calc-cyan)}.faq-item__answer{color:var(--calc-text-dim);padding:0 4px 14px;font-size:.85rem;line-height:1.75}[data-theme=light]{--bg-dark:#e8edf5;--card:#fffffff2;--input-bg:#edf2f9;--text-main:#0f172a;--text-dim:#475569;--text-muted:#64748b;--border:#0000001a;--cyan:#0891b2;--purple:#7c3aed;--accent:var(--calc-color-finance)}[data-theme=light] body{background:#e8edf5}[data-theme=light] .glass-navbar{background:#fffffff2;border-bottom-color:#00000014}[data-theme=light] .nav-link.active{color:#0891b2}[data-theme=light] .input-card,[data-theme=light] .result-card{background:#fff;border-color:#0000001a;box-shadow:0 2px 12px #00000014}[data-theme=light] .input-card{border-left-color:#0891b2}[data-theme=light] .result-card{border-left-color:#7c3aed}[data-theme=light] .input-wrapper{background:#edf2f9;border-color:#0000001f}[data-theme=light] .input-wrapper:focus-within{border-color:#0891b2}[data-theme=light] .glass-input::placeholder{color:#00000059}[data-theme=light] .input-prefix,[data-theme=light] .input-suffix{color:#64748b}[data-theme=light] .glass-select{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%2364748b' stroke-width='2'%3E%3Cpolyline points='6 9 12 15 18 9'%3E%3C/polyline%3E%3C/svg%3E")}[data-theme=light] .outer-tabs{background:#f0f4f9;border-color:#0000001a}[data-theme=light] .outer-tab-btn{color:#64748b}[data-theme=light] .outer-tab-btn:hover{color:#0f172a;background:#0000000a}[data-theme=light] .outer-tab-btn.active{color:#fff;background:#0891b2;box-shadow:0 4px 16px #0891b240}[data-theme=light] .preset-chip{color:#475569;background:#f0f4f9;border-color:#0000001f}[data-theme=light] .preset-chip:hover{color:#0891b2;border-color:#0891b2}[data-theme=light] .preset-chip.active{color:#0891b2;background:#0891b21a;border-color:#0891b2}[data-theme=light] .action-btn{color:#475569;background:#f0f4f9;border-color:#0000001a}[data-theme=light] .action-btn:hover{color:#0891b2;border-color:#0891b2}[data-theme=light] .hero-value{color:#0891b2}[data-theme=light] .hero-result{border-bottom-color:#00000014}[data-theme=light] .stat-cell{background:#edf2f9;border-color:#00000014}[data-theme=light] .stat-value{color:#0f172a}[data-theme=light] .rec-success{color:#15803d;background:#f0fdf4;border-color:#16a34a59}[data-theme=light] .rec-warn{color:#b45309;background:#fffbeb;border-color:#d9770659}[data-theme=light] .rec-info{color:#2563eb;background:#eff6ff;border-color:#2563eb59}[data-theme=light] .rec-error{color:#e11d48;background:#fff1f2;border-color:#e11d4859}[data-theme=light] .schedule-table-wrap{border-color:#0000001a}[data-theme=light] .schedule-table th{color:#475569;background:#edf2f9}[data-theme=light] .schedule-table td{color:#475569;border-bottom-color:#0000000d}[data-theme=light] .schedule-table td:first-child,[data-theme=light] .schedule-table td:nth-child(2){color:#64748b}[data-theme=light] .schedule-table tr:hover td{background:#0891b20a}[data-theme=light] .late-row td{background:#fffbeb}[data-theme=light] .late-row td:nth-child(6){color:#b45309}[data-theme=light] .schedule-note{color:#64748b}[data-theme=light] .late-note{color:#b45309}[data-theme=light] .schedule-table-wrap::-webkit-scrollbar-track{background:#f0f4f9}[data-theme=light] .schedule-table-wrap::-webkit-scrollbar-thumb{background:#00000026}[data-theme=light] .comparison-intro{color:#475569}[data-theme=light] .winner-bnpl{color:#15803d;background:#f0fdf4;border-color:#16a34a59}[data-theme=light] .winner-cc{color:#7c3aed;background:#f5f3ff;border-color:#7c3aed4d}[data-theme=light] .winner-neutral{color:#475569;background:#f8fafc;border-color:#0000001a}[data-theme=light] .compare-tbl th{color:#475569;background:#edf2f9}[data-theme=light] .compare-tbl td{color:#475569;border-bottom-color:#0000000f}[data-theme=light] .compare-tbl td:first-child{color:#0f172a}[data-theme=light] .compare-tbl tr:hover td{background:#00000005}[data-theme=light] .cc-note{color:#64748b;background:#f0f4f9;border-left-color:#94a3b8}[data-theme=light] .cc-note strong{color:#475569}[data-theme=light] .section-title{color:#0f172a}[data-theme=light] .how-step{background:#fff;border-color:#0000001a;box-shadow:0 1px 4px #0000000f}[data-theme=light] .step-num{color:#0891b2;background:#0891b21a}[data-theme=light] .step-content h3{color:#0f172a}[data-theme=light] .step-content p{color:#475569}[data-theme=light] .formula-pill{background:#fff;border-color:#0000001a;box-shadow:0 1px 4px #0000000f}[data-theme=light] .pill-name{color:#0891b2}[data-theme=light] .pill-formula{color:#0f172a}[data-theme=light] .pill-desc{color:#64748b}[data-theme=light] .gloss-item{background:#fff;border-color:#0000001a;box-shadow:0 1px 4px #0000000f}[data-theme=light] .gloss-term{color:#0891b2}[data-theme=light] .gloss-def{color:#475569}[data-theme=light] .faq-list{gap:8px}[data-theme=light] .faq-item-enhanced{background:#fff;border:1px solid #0000001a;border-radius:10px;transition:box-shadow .2s,border-color .2s;overflow:hidden;box-shadow:0 1px 4px #0000000f}[data-theme=light] .faq-item-enhanced:hover{border-color:#0891b259;box-shadow:0 2px 10px #0891b214}[data-theme=light] .faq-item-enhanced[open]{border-color:#0891b266 #0891b266 #0891b266 #0891b2;border-left-style:solid;border-left-width:3px;box-shadow:0 2px 12px #0891b21a}[data-theme=light] .faq-item__question{color:#0f172a;padding:14px 16px}[data-theme=light] .faq-item__question:after{color:#64748b}[data-theme=light] .faq-item-enhanced[open] .faq-item__question:after,[data-theme=light] .faq-item__question:hover{color:#0891b2}[data-theme=light] .faq-item__answer{color:#475569;border-top:1px solid #0000000f;padding:12px 16px 16px}@media (width<=900px){.calc-wrapper{grid-template-columns:1fr}.page-title{font-size:1.8rem}.hero-value{font-size:2.2rem}.outer-tabs{flex-wrap:wrap}.outer-tab-btn{text-align:center;flex:1;min-width:120px}}@media (width<=600px){.main-container{padding:16px}.stat-grid{grid-template-columns:1fr}.schedule-table th,.schedule-table td{padding:7px 10px;font-size:.74rem}}