:root{--accent:var(--calc-cyan,#22d3ee);--accent-dim:var(--calc-cyan-dim,#22d3ee26);--accent-glow:0 0 18px #22d3ee40}[data-theme=light]{--accent:var(--calc-cyan,#0891b2);--accent-dim:#0891b21a;--accent-glow:none}body{background:var(--calc-bg-page,#0d1117);color:var(--calc-text-primary,#f8fafc);font-family:var(--calc-font-body,"Inter", sans-serif);margin:0}.calc-wrapper{max-width:860px;margin:0 auto;padding:0 1.25rem 2.5rem}.page-sections-outer{max-width:1600px;margin:0 auto;padding:0 1.5rem 3rem}.page-title{font-family:var(--calc-font-headline,"Plus Jakarta Sans", sans-serif);color:var(--calc-text-primary,#f8fafc);margin:1.25rem 0 .4rem;font-size:clamp(1.5rem,3vw,2rem);font-weight:700}.page-subtitle{color:var(--calc-text-muted,#a8b8cc);margin:0 0 1.5rem;font-size:.9rem}[data-theme=light] .page-title{color:var(--calc-text-primary)}[data-theme=light] .page-subtitle{color:var(--calc-text-faded)}.tab-nav{border-bottom:1px solid var(--calc-border-subtle,#ffffff0f);gap:4px;margin-bottom:1.25rem;padding-bottom:0;display:flex}.tab-btn{color:var(--calc-text-muted,#a8b8cc);cursor:pointer;white-space:nowrap;background:0 0;border:none;border-bottom:2px solid #0000;padding:8px 14px 10px;font-size:.82rem;font-weight:500;transition:color .2s,border-color .2s}.tab-btn:hover{color:var(--calc-text-primary,#f8fafc)}.tab-btn.active{color:var(--accent);border-bottom-color:var(--accent);font-weight:600}[data-theme=light] .tab-nav{border-bottom-color:#0000001a}[data-theme=light] .tab-btn{color:#64748b}[data-theme=light] .tab-btn:hover{color:#0f172a}[data-theme=light] .tab-btn.active{color:var(--accent);border-bottom-color:var(--accent)}.tab-content{opacity:0;transition:opacity .22s ease-out,transform .22s ease-out;display:none;transform:translateY(5px)}.tab-content.tab-visible{display:block}.tab-content.active{opacity:1;transform:translateY(0)}.input-card,.result-card{background:var(--calc-bg-card,#ffffff08);border:1px solid var(--calc-border-subtle,#ffffff12);border-radius:var(--calc-radius-lg,16px);margin-bottom:1rem;padding:1.25rem 1.5rem}[data-theme=light] .input-card,[data-theme=light] .result-card{background:#fff;border-color:#0000001a;box-shadow:0 2px 10px #00000012}.form-grid{grid-template-columns:1fr 1fr;gap:1rem;display:grid}@media (width<=600px){.form-grid{grid-template-columns:1fr}}.form-group{flex-direction:column;gap:6px;display:flex}.form-group label{color:var(--calc-text-muted,#a8b8cc);text-transform:uppercase;letter-spacing:.04em;font-size:.78rem;font-weight:600}.field-help{color:var(--calc-text-faded,#94a3b8);font-size:.72rem;line-height:1.45}.form-group input[aria-invalid=true]{border-color:var(--calc-rose,#fb7185);box-shadow:0 0 0 2px #fb718524}.planning-tools{border-top:1px solid var(--calc-border-subtle,#ffffff12);margin-top:1rem;padding-top:1rem}.planning-tools summary{color:var(--accent);cursor:pointer;font-size:.85rem;font-weight:600}.planning-tools__body{gap:.5rem;margin-top:.75rem;display:grid}.planning-tools__body input{background:var(--calc-bg-input,#ffffff0d);border:1px solid var(--calc-border-default,#ffffff1a);border-radius:var(--calc-radius-md,10px);color:var(--calc-text-primary,#f8fafc);padding:10px 12px}.planning-result{color:var(--calc-text-muted,#a8b8cc);font-size:.8rem;line-height:1.55}@media (width<=480px){.tab-nav{scrollbar-width:none;overflow-x:auto}.tab-nav::-webkit-scrollbar{display:none}.tab-btn{flex:none;min-height:44px;padding-inline:11px}}.form-group input,.form-group select{background:var(--calc-bg-input,#ffffff0d);border:1px solid var(--calc-border-default,#ffffff1a);border-radius:var(--calc-radius-md,10px);color:var(--calc-text-primary,#f8fafc);box-sizing:border-box;outline:none;width:100%;padding:10px 12px;font-size:.95rem;transition:border-color .2s,box-shadow .2s}.form-group input:focus,.form-group select:focus{border-color:var(--accent);box-shadow:0 0 0 2px var(--accent-dim)}[data-theme=light] label{color:#475569}[data-theme=light] .form-group input,[data-theme=light] .form-group select{background:var(--calc-bg-input);border-color:var(--calc-border-default);color:var(--calc-text-primary)}[data-theme=light] .form-group input::placeholder{color:#00000059}[data-theme=light] .form-group input:focus,[data-theme=light] .form-group select:focus{border-color:var(--accent);box-shadow:0 0 0 2px var(--accent-dim)}.toggle-row{align-items:center;gap:10px;margin-top:.5rem;display:flex}.toggle-row label{color:var(--calc-text-primary,#f8fafc);text-transform:none;letter-spacing:0;cursor:pointer;font-size:.88rem;font-weight:500}[data-theme=light] .toggle-row label{color:#0f172a}.preset-row{-webkit-overflow-scrolling:touch;scrollbar-width:none;flex-wrap:nowrap;gap:8px;margin-bottom:1rem;padding-bottom:4px;display:flex;overflow-x:auto}.preset-row::-webkit-scrollbar{display:none}.preset-chip{color:var(--calc-text-muted,#a8b8cc);cursor:pointer;background:#ffffff0d;border:1px solid #ffffff1a;border-radius:20px;flex:none;padding:5px 14px;font-size:.78rem;font-weight:500;transition:all .2s}.preset-chip:hover{border-color:var(--accent);color:var(--accent)}.preset-chip.active{background:var(--accent-dim);border-color:var(--accent);color:var(--accent);font-weight:600}[data-theme=light] .preset-chip{color:#475569;background:#f1f5f9;border-color:#0000001f}[data-theme=light] .preset-chip:hover{border-color:var(--accent);color:var(--accent)}[data-theme=light] .preset-chip.active{border-color:var(--accent);color:var(--accent);background:#0891b214}.hero-result{text-align:center;padding:1rem 0 .5rem}.hero-label{text-transform:uppercase;letter-spacing:.08em;color:var(--calc-text-muted,#a8b8cc);margin-bottom:6px;font-size:.75rem;font-weight:600}.hero-value{font-family:var(--calc-font-mono,"JetBrains Mono", monospace);color:var(--accent);text-shadow:var(--accent-glow);font-size:clamp(2rem,5vw,3rem);font-weight:700;line-height:1.1}.hero-value.hero-flash{animation:.5s ease-out heroFlash}@keyframes heroFlash{0%{transform:scale(1)}35%{color:var(--calc-rose,#fb7185);transform:scale(1.06)}to{transform:scale(1)}}@media (prefers-reduced-motion:reduce){.hero-value.hero-flash{animation:none}}.hero-sub{color:var(--calc-text-muted,#a8b8cc);margin-top:4px;font-size:.85rem}[data-theme=light] .hero-label,[data-theme=light] .hero-sub{color:#64748b}.stat-grid{grid-template-columns:repeat(3,1fr);gap:.75rem;margin-top:1rem;display:grid}@media (width<=600px){.stat-grid{grid-template-columns:repeat(2,1fr)}}@media (width<=400px){.stat-grid{grid-template-columns:1fr}}.stat-cell{border-radius:var(--calc-radius-md,10px);text-align:center;background:#ffffff08;border:1px solid #ffffff0f;padding:.7rem .9rem}.stat-cell .stat-label{text-transform:uppercase;letter-spacing:.05em;color:var(--calc-text-muted,#a8b8cc);margin-bottom:4px;font-size:.68rem;font-weight:600}.stat-cell .stat-value{font-family:var(--calc-font-mono,"JetBrains Mono", monospace);color:var(--calc-text-primary,#f8fafc);font-size:1rem;font-weight:700}.stat-cell.stat-total .stat-value{color:var(--accent);font-size:1.1rem}[data-theme=light] .stat-cell{background:#edf2f9;border-color:#00000014}[data-theme=light] .stat-cell .stat-label{color:#64748b}[data-theme=light] .stat-cell .stat-value{color:#0f172a}[data-theme=light] .stat-cell.stat-total .stat-value{color:var(--accent)}.stat-cell .stat-value.is-irmaa{color:var(--calc-rose,#fb7185)}.stat-cell .stat-value.is-standard{color:var(--calc-tier-good,#34d399)}[data-theme=light] .stat-cell .stat-value.is-irmaa{color:#e11d48}[data-theme=light] .stat-cell .stat-value.is-standard{color:#047857}.irmaa-badge{border-radius:20px;margin-top:.75rem;padding:4px 12px;font-size:.78rem;font-weight:600;display:inline-block}.irmaa-badge--good{color:var(--calc-tier-good,#34d399);background:#34d3991f;border:1px solid #34d39940}.irmaa-badge--warn{color:var(--calc-rose,#fb7185);background:#fb71851f;border:1px solid #fb718540}[data-theme=light] .irmaa-badge--good{color:#15803d;background:#f0fdf4;border-color:#16a34a4d}[data-theme=light] .irmaa-badge--warn{color:#be123c;background:#fff1f2;border-color:#ef44444d}.chart-wrap{height:220px;margin-top:1.25rem;position:relative}.action-bar{flex-wrap:wrap;gap:8px;margin-top:1rem;display:flex}.action-btn{border-radius:var(--calc-radius-md,10px);color:var(--calc-text-muted,#a8b8cc);cursor:pointer;background:#ffffff0d;border:1px solid #ffffff1a;padding:7px 14px;font-size:.8rem;font-weight:500;transition:all .2s}.action-btn:hover{border-color:var(--accent);color:var(--accent);background:var(--accent-dim)}[data-theme=light] .action-btn{color:#475569;background:#f1f5f9;border-color:#0000001f}[data-theme=light] .action-btn:hover{border-color:var(--accent);color:var(--accent);background:#0891b214}.alert-stack{flex-direction:column;gap:8px;margin-top:1rem;display:flex}.alert-item{border-radius:var(--calc-radius-md,10px);backdrop-filter:blur(8px);align-items:flex-start;gap:10px;padding:10px 14px;font-size:.8rem;line-height:1.6;display:flex;box-shadow:0 4px 12px #0000000f}.alert-icon{flex-shrink:0;margin-top:1px;font-size:1rem}.alert-success{color:#a7f3d0;background:#34d39914;border:1px solid #34d39933}.alert-warn{color:#fde68a;background:#f59e0b14;border:1px solid #f59e0b33}.alert-info{color:#bfdbfe;background:#60a5fa14;border:1px solid #60a5fa33}[data-theme=light] .alert-success{color:#14532d;background:#f0fdf4;border-color:#16a34a4d}[data-theme=light] .alert-warn{color:#78350f;background:#fffbeb;border-color:#d977064d}[data-theme=light] .alert-info{color:#1e3a5f;background:#eff6ff;border-color:#3b82f64d}.tab-section-title{color:var(--calc-text-primary,#f8fafc);margin:0 0 .4rem;font-size:1rem;font-weight:700}.tab-section-subtitle{color:var(--calc-text-muted,#a8b8cc);margin-bottom:1rem;font-size:.8rem;line-height:1.55}[data-theme=light] .tab-section-title{color:#0f172a}[data-theme=light] .tab-section-subtitle{color:#475569}.irmaa-table-wrap{overflow-x:auto}.irmaa-table{border-collapse:collapse;width:100%;min-width:480px;font-size:.82rem}.irmaa-table th{color:var(--calc-text-muted,#a8b8cc);text-align:left;text-transform:uppercase;letter-spacing:.04em;background:#ffffff0a;border-bottom:1px solid #ffffff14;padding:8px 12px;font-size:.72rem;font-weight:600}.irmaa-table td{color:var(--calc-text-primary,#f8fafc);font-family:var(--calc-font-mono,"JetBrains Mono", monospace);border-bottom:1px solid #ffffff0a;padding:9px 12px;font-size:.8rem}.irmaa-table tr:hover td{background:#ffffff05}.irmaa-row--active td{border-left:3px solid var(--accent);background:#22d3ee0f}.irmaa-row--active td:first-child{border-left:3px solid var(--accent)}.you-marker{color:var(--accent);font-size:.72rem;font-weight:700}.irmaa-table-note{color:var(--calc-text-muted,#a8b8cc);margin-top:.75rem;font-size:.75rem;font-style:italic}[data-theme=light] .irmaa-table th{color:#475569;background:#f1f5f9;border-bottom-color:#0000001a}[data-theme=light] .irmaa-table td{color:#0f172a;border-bottom-color:#0000000f}[data-theme=light] .irmaa-table tr:hover td{background:#f8fafc}[data-theme=light] .irmaa-row--active td{background:#0891b20f}[data-theme=light] .irmaa-row--active td:first-child{border-left:3px solid var(--accent)}[data-theme=light] .irmaa-table-note{color:#64748b}.annual-table{border-collapse:collapse;width:100%;font-size:.82rem}.annual-table th{color:var(--calc-text-muted,#a8b8cc);text-align:left;text-transform:uppercase;letter-spacing:.04em;background:#ffffff0a;border-bottom:1px solid #ffffff14;padding:8px 12px;font-size:.72rem;font-weight:600}.annual-table th:not(:first-child){text-align:right}.annual-table td{color:var(--calc-text-primary,#f8fafc);border-bottom:1px solid #ffffff0a;padding:9px 12px}.annual-table .num-cell{font-family:var(--calc-font-mono,"JetBrains Mono", monospace);text-align:right;font-size:.8rem}.annual-table tfoot td{border-top:2px solid #ffffff26;padding-top:10px;font-weight:700}.annual-table tfoot .num-cell{color:var(--accent);font-size:.92rem}.annual-note{color:var(--calc-text-muted,#a8b8cc);margin-top:.75rem;font-size:.75rem;font-style:italic;line-height:1.55}[data-theme=light] .annual-table th{color:#475569;background:#f1f5f9;border-bottom-color:#0000001a}[data-theme=light] .annual-table td{color:#0f172a;border-bottom-color:#0000000f}[data-theme=light] .annual-table tfoot td{border-top-color:#00000026}[data-theme=light] .annual-table tfoot .num-cell{color:var(--accent)}[data-theme=light] .annual-note{color:#64748b}.tab-card{background:var(--calc-bg-card,#ffffff08);border:1px solid var(--calc-border-subtle,#ffffff12);border-radius:var(--calc-radius-lg,16px);margin-bottom:1rem;padding:1.25rem 1.5rem}[data-theme=light] .tab-card{background:#fff;border-color:#0000001a;box-shadow:0 2px 10px #00000012}.faq-list{flex-direction:column;display:flex}.faq-item{border-bottom:1px solid #ffffff0f}.faq-item__question{cursor:pointer;color:var(--calc-text-primary,#f8fafc);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(--calc-font-mono,monospace);color:var(--calc-text-muted,#a8b8cc);flex-shrink:0;margin-left:16px;font-size:1.1rem;transition:color .2s}.faq-item[open] .faq-item__question:after{content:"−";color:var(--accent)}.faq-item__question:hover{color:var(--accent)}.faq-item__answer{color:var(--calc-text-muted,#a8b8cc);padding:0 4px 14px;font-size:.85rem;line-height:1.75}[data-theme=light] .faq-list{gap:8px}[data-theme=light] .faq-item{background:#fff;border:1px solid #0000001a;border-radius:10px;overflow:hidden;box-shadow:0 1px 4px #0000000f}[data-theme=light] .faq-item:hover{border-color:#0891b24d;box-shadow:0 2px 10px #0891b214}[data-theme=light] .faq-item[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[open] .faq-item__question:after,[data-theme=light] .faq-item__question:hover{color:var(--accent)}[data-theme=light] .faq-item__answer{color:#475569;border-top:1px solid #0000000f;padding:12px 16px 16px}.calc-section{margin-bottom:2.5rem}.calc-section__title{font-family:var(--calc-font-headline,"Plus Jakarta Sans", sans-serif);color:var(--calc-text-primary,#f8fafc);margin:0 0 1rem;font-size:1.2rem;font-weight:700}[data-theme=light] .calc-section__title{color:#0f172a}.how-steps{flex-direction:column;gap:.9rem;margin:0;padding:0;list-style:none;display:flex}.how-step{align-items:flex-start;gap:12px;display:flex}.step-num{background:var(--accent-dim);border:1px solid var(--accent);color:var(--accent);font-family:var(--calc-font-mono,monospace);border-radius:50%;flex-shrink:0;justify-content:center;align-items:center;width:26px;height:26px;font-size:.78rem;font-weight:700;display:flex}.step-text{color:var(--calc-text-muted,#a8b8cc);padding-top:2px;font-size:.88rem;line-height:1.6}[data-theme=light] .step-text{color:#475569}.formula-strip{flex-wrap:wrap;align-items:center;gap:8px;display:flex}.formula-pill{color:var(--accent);font-family:var(--calc-font-mono,monospace);background:#22d3ee14;border:1px solid #22d3ee33;border-radius:6px;padding:4px 10px;font-size:.78rem;font-weight:600}.formula-op{color:var(--calc-text-muted,#a8b8cc);font-size:1rem;font-weight:300}[data-theme=light] .formula-pill{color:var(--accent);background:#0891b214;border-color:#0891b240}[data-theme=light] .formula-op{color:#94a3b8}.glossary-list{flex-direction:column;gap:.75rem;display:flex}.glossary-item{font-size:.85rem;line-height:1.65}.glossary-term{color:var(--accent);font-weight:700}.glossary-def{color:var(--calc-text-muted,#a8b8cc)}[data-theme=light] .glossary-def{color:#475569}.example-cards{grid-template-columns:repeat(3,1fr);gap:1rem;display:grid}@media (width<=768px){.example-cards{grid-template-columns:1fr}}.example-card{border-radius:var(--calc-radius-md,10px);background:#ffffff08;border:1px solid #ffffff12;padding:1rem}.example-card h4{color:var(--accent);margin:0 0 .5rem;font-size:.85rem;font-weight:700}.example-card p{color:var(--calc-text-muted,#a8b8cc);margin:0;font-size:.8rem;line-height:1.6}.example-result{font-family:var(--calc-font-mono,monospace);color:var(--calc-text-primary,#f8fafc);margin-top:.5rem;font-size:1rem;font-weight:700}[data-theme=light] .example-card{background:#f8fafc;border-color:#00000017}[data-theme=light] .example-card p,[data-theme=light] .example-card .example-result{color:#475569}[data-theme=light] .example-result{color:#0f172a}.calc-article-body{color:var(--calc-text-muted,#a8b8cc);font-size:.87rem;line-height:1.8}.calc-article-body h3{color:var(--calc-text-primary,#f8fafc);margin:1.2rem 0 .5rem;font-size:1rem}.calc-article-body p{margin:0 0 .85rem}[data-theme=light] .calc-article-body{color:#475569}[data-theme=light] .calc-article-body h3{color:#0f172a}.calc-related__grid{grid-template-columns:repeat(auto-fill,minmax(200px,1fr));gap:.75rem;display:grid}.result-interpretation{color:var(--calc-text-faded,#88a);border-left:3px solid var(--calc-cyan,#22d3ee);border-radius:var(--calc-radius-md,12px);background:#22d3ee0f;margin:12px 0 4px;padding:12px 16px;font-size:.92rem;line-height:1.55}.result-interpretation:empty{display:none}[data-theme=light] .result-interpretation{color:#334155;background:#eff9fb;border-left-color:#0891b2}.magi-builder{border:1px solid var(--calc-border-subtle,#ffffff12);border-radius:var(--calc-radius-md,10px);margin-top:.5rem;font-size:.8rem}.magi-builder summary{cursor:pointer;color:var(--calc-cyan,#22d3ee);user-select:none;padding:7px 10px;font-size:.75rem;font-weight:600;list-style:none}.magi-builder summary::-webkit-details-marker{display:none}.magi-builder summary:before{content:"+ "}.magi-builder[open] summary:before{content:"− "}.magi-builder__body{flex-direction:column;gap:8px;padding:0 10px 10px;display:flex}.magi-builder__note{color:var(--calc-text-muted,#a8b8cc);margin:0;font-size:.74rem;font-style:italic}.magi-builder__row{flex-direction:column;gap:4px;display:flex}.magi-builder__row label{color:var(--calc-text-muted,#a8b8cc);text-transform:uppercase;letter-spacing:.04em;font-size:.72rem;font-weight:600}.magi-builder__row input{background:var(--calc-bg-input,#ffffff0d);border:1px solid var(--calc-border-default,#ffffff1a);border-radius:var(--calc-radius-md,10px);color:var(--calc-text-primary,#f8fafc);box-sizing:border-box;outline:none;width:100%;padding:7px 10px;font-size:.85rem}.magi-builder__apply{align-self:flex-start;padding:5px 12px;font-size:.75rem}[data-theme=light] .magi-builder{background:#f8fafc;border-color:#0000001a}[data-theme=light] .magi-builder summary{color:var(--accent)}[data-theme=light] .magi-builder__note,[data-theme=light] .magi-builder__row label{color:#64748b}[data-theme=light] .magi-builder__row 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