:root{--bg-dark:#07071a;--bg-card:#ffffff0a;--bg-input:#ffffff0d;--accent:var(--calc-color-finance);--green:#34d399;--red:#f87171;--gold:#fbbf24;--text-main:#f0f0f5;--text-dim:#8b8ba3;--text-muted:#555570;--border:#ffffff14;--radius:14px}*,:before,:after{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}body{font-family:var(--calc-font-body,"Inter", system-ui, sans-serif);color:var(--calc-text-primary);-webkit-font-smoothing:antialiased;background:linear-gradient(160deg,#07071a 0%,#0d0d26 50%,#07071a 100%) fixed;min-height:100vh;line-height:1.6}body:before{content:"";z-index:-1;pointer-events:none;background:radial-gradient(60% 40% at 90% 5%,#fbbf2414 0%,#0000 60%),radial-gradient(50% 40% at 5% 95%,#22d3ee12 0%,#0000 55%);position:fixed;inset:0}.calc-hero{max-width:1400px;margin:0 auto;padding:36px 24px 20px}.calc-hero h1{font-family:var(--calc-font-headline,"Plus Jakarta Sans", system-ui, sans-serif);background:linear-gradient(135deg,#fbbf24,#22d3ee);-webkit-text-fill-color:transparent;-webkit-background-clip:text;background-clip:text;margin-bottom:8px;font-size:clamp(1.7rem,3vw,2.4rem);font-weight:700}.calc-hero p{color:var(--calc-text-dim);max-width:680px;font-size:.95rem}.tab-bar{border-bottom:1px solid var(--border);-webkit-overflow-scrolling:touch;gap:4px;max-width:1400px;margin:0 auto 24px;padding:0 24px;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;flex-shrink:0;margin-bottom:-1px;padding:10px 22px;font-family:inherit;font-size:.9rem;transition:color .2s}.tab-btn:hover{color:var(--text-main)}.tab-btn.active{color:var(--accent);border-bottom-color:var(--accent);font-weight:600}.tab-panel{display:none}.tab-panel.active{display:block}.calc-grid{grid-template-columns:400px 1fr;align-items:start;gap:20px;max-width:1400px;margin:0 auto;padding:0 24px 40px;display:grid}.input-panel,.result-panel{flex-direction:column;gap:16px;display:flex}.glass-card{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius);padding:20px}.card-title{letter-spacing:.08em;text-transform:uppercase;color:var(--text-dim);margin-bottom:14px;font-size:.75rem;font-weight:600}.form-group{flex-direction:column;gap:5px;margin-bottom:12px;display:flex}.form-group:last-child{margin-bottom:0}.form-label{color:var(--text-dim);justify-content:space-between;align-items:center;font-size:.8rem;font-weight:500;display:flex}.form-hint{color:var(--text-muted);font-size:.72rem;font-weight:400}.glass-input,.glass-select{background:var(--bg-input);border:1px solid var(--border);width:100%;color:var(--text-main);border-radius:8px;outline:none;padding:9px 12px;font-family:inherit;font-size:.9rem;transition:border-color .2s,box-shadow .2s}.glass-input:focus,.glass-select:focus{border-color:var(--accent);box-shadow:0 0 0 3px #fbbf241f}.glass-input::placeholder{color:var(--text-muted)}.glass-select option{color:var(--text-main);background:#0d0d26}.input-prefix-wrap{position:relative}.input-prefix{color:var(--text-dim);pointer-events:none;font-size:.85rem;position:absolute;top:50%;left:10px;transform:translateY(-50%)}.input-prefix-wrap .glass-input{padding-left:22px}.chip-row{flex-wrap:wrap;gap:8px;margin-bottom:14px;display:flex}.chip{background:var(--bg-input);border:1px solid var(--border);color:var(--text-dim);cursor:pointer;border-radius:20px;padding:5px 14px;font-family:inherit;font-size:.78rem;transition:all .2s}.chip:hover{border-color:var(--accent);color:var(--text-main)}.chip.active{border-color:var(--accent);color:var(--accent);background:#fbbf2426;font-weight:600}.method-toggle{border:1px solid var(--border);border-radius:8px;gap:0;display:flex;overflow:hidden}.method-btn{color:var(--text-dim);cursor:pointer;text-align:center;background:0 0;border:none;flex:1;padding:8px 12px;font-family:inherit;font-size:.83rem;transition:all .2s}.method-btn+.method-btn{border-left:1px solid var(--border)}.method-btn.active{color:var(--accent);background:#fbbf2426;font-weight:600}.method-btn:hover:not(.active){background:var(--bg-input);color:var(--text-main)}.hero-result{text-align:center;border-radius:var(--radius);background:linear-gradient(135deg,#fbbf2414,#22d3ee0d);border:1px solid #fbbf2433;padding:28px 20px 20px}.hero-label{text-transform:uppercase;letter-spacing:.08em;color:var(--text-dim);margin-bottom:6px;font-size:.72rem}.hero-value{font-size:clamp(2.2rem,5vw,3rem);font-weight:700;font-family:var(--calc-font-mono,"JetBrains Mono", monospace);color:var(--gold);line-height:1.1}.hero-sub{color:var(--text-dim);margin-top:6px;font-size:.78rem}.hero-savings-row{border-top:1px solid #ffffff0f;justify-content:center;align-items:center;gap:8px;margin-top:12px;padding-top:12px;display:flex}.hero-savings-label{color:var(--text-dim);font-size:.78rem}.hero-savings-value{color:var(--green);font-size:1rem;font-weight:700}.stat-grid{grid-template-columns:1fr 1fr;gap:8px;display:grid}.stat-cell{border:1px solid var(--border);background:#ffffff08;border-radius:10px;padding:12px 14px}.stat-label{color:var(--text-dim);text-transform:uppercase;letter-spacing:.06em;margin-bottom:4px;font-size:.7rem}.stat-value{color:var(--text-main);font-size:1.05rem;font-weight:700;font-family:var(--calc-font-mono,monospace)}.stat-value.accent{color:var(--gold)}.stat-value.green{color:var(--green)}.method-badge{color:var(--accent);background:#fbbf2426;border:1px solid #fbbf2440;border-radius:20px;padding:3px 10px;font-size:.72rem;font-weight:600;display:inline-block}.method-tip{color:var(--text-dim);border-left:3px solid var(--accent);background:#ffffff08;border-radius:8px;padding:8px 12px;font-size:.78rem}.chart-wrap{height:220px;margin-top:4px;position:relative}.action-bar{flex-wrap:wrap;gap:8px;display:flex}.action-btn{background:var(--bg-input);border:1px solid var(--border);color:var(--text-dim);cursor:pointer;border-radius:8px;align-items:center;gap:6px;padding:7px 14px;font-family:inherit;font-size:.8rem;transition:all .2s;display:flex}.action-btn:hover{border-color:var(--accent);color:var(--text-main)}.action-btn svg{fill:currentColor;width:14px;height:14px}.cmp-grid{grid-template-columns:1fr 1fr;gap:16px;margin-bottom:16px;display:grid}.cmp-col{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius);padding:18px;transition:border-color .3s,box-shadow .3s}.cmp-col.cmp-best{border-color:#fbbf2466;box-shadow:0 0 20px #fbbf2414}.cmp-col-title{text-transform:uppercase;letter-spacing:.08em;color:var(--text-dim);margin-bottom:14px;font-size:.8rem;font-weight:700}.cmp-col.standard .cmp-col-title{color:var(--calc-cyan,#22d3ee)}.cmp-col.actual .cmp-col-title{color:var(--calc-purple,#a855f7)}.cmp-row{border-bottom:1px solid #ffffff0a;justify-content:space-between;align-items:center;padding:6px 0;font-size:.82rem;display:flex}.cmp-row:last-child{border-bottom:none;font-size:.88rem;font-weight:700}.cmp-row-label{color:var(--text-dim)}.cmp-row-val{color:var(--text-main);font-family:var(--calc-font-mono,monospace)}.cmp-winner{text-align:center;border-radius:10px;margin-bottom:16px;padding:12px 16px;font-size:.83rem;font-weight:600}.cmp-winner.standard{color:var(--calc-cyan,#22d3ee);background:#22d3ee1a;border:1px solid #22d3ee40}.cmp-winner.actual{color:var(--calc-purple,#a855f7);background:#a855f71a;border:1px solid #a855f740}.cmp-winner.neutral{border:1px solid var(--border);color:var(--text-dim);background:#ffffff0a}.track-stats{grid-template-columns:repeat(4,1fr);gap:10px;margin-bottom:16px;display:grid}.track-stat{background:var(--bg-card);border:1px solid var(--border);text-align:center;border-radius:10px;padding:12px 14px}.track-stat-label{text-transform:uppercase;letter-spacing:.07em;color:var(--text-dim);margin-bottom:4px;font-size:.68rem}.track-stat-value{color:var(--text-main);font-size:.95rem;font-weight:700;font-family:var(--calc-font-mono,monospace)}.progress-bar{background:#ffffff0f;border-radius:4px;height:8px;margin-bottom:6px;overflow:hidden}.progress-fill{background:linear-gradient(90deg,var(--gold),#22d3ee);border-radius:4px;height:100%;transition:width .4s}.progress-fill.warn{background:var(--gold)}.progress-fill.full{background:var(--green)}.progress-pct{color:var(--text-dim);font-size:.72rem}.month-grid{grid-template-columns:repeat(3,1fr);gap:10px;display:grid}.month-row{align-items:center;gap:8px;display:flex}.month-label{color:var(--text-dim);flex-shrink:0;width:30px;font-size:.78rem;font-weight:500}.month-input{flex:1;padding:7px 10px;font-size:.85rem}.month-unit{color:var(--text-muted);flex-shrink:0;font-size:.72rem}.projection-box{background:#fbbf240f;border:1px solid #fbbf2426;border-radius:10px;margin-top:14px;padding:14px 16px}.projection-title{text-transform:uppercase;letter-spacing:.07em;color:var(--gold);margin-bottom:10px;font-size:.72rem}.projection-row{justify-content:space-between;padding:3px 0;font-size:.82rem;display:flex}.projection-row-label{color:var(--text-dim)}.projection-row-val{color:var(--text-main);font-weight:600}.section-title{color:var(--text-main);margin-bottom:14px;font-size:.95rem;font-weight:700}.section-sub{color:var(--text-dim);margin-bottom:16px;font-size:.8rem}.page-sections-outer{max-width:1600px;margin:0 auto;padding:0 1.5rem 3rem}.faq-list{flex-direction:column;display:flex}.faq-item{border-bottom:1px solid #ffffff0f}.faq-item__question{cursor:pointer;color:var(--text-main);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(--text-dim);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(--calc-cyan,#22d3ee)}.faq-item__answer{color:var(--text-dim);padding:0 4px 14px;font-size:.85rem;line-height:1.75}.calc-section{margin-top:40px}.calc-section__title{color:var(--text-main);margin-bottom:16px;font-size:1.1rem;font-weight:700}[data-theme=light] body{background:var(--calc-bg-page,#f6f7fb);color:#0f172a}[data-theme=light] body:before{background:radial-gradient(60% 40% at 90% 5%,#b453090f 0%,#0000 60%),radial-gradient(50% 40% at 5% 95%,#0891b20d 0%,#0000 55%)}[data-theme=light]{--bg-dark:#f6f7fb;--bg-card:#fffffff2;--bg-input:#f0f4f9;--text-main:#0f172a;--text-dim:#475569;--text-muted:#94a3b8;--border:#0000001a;--gold:#b45309;--green:#047857;--red:#e11d48}[data-theme=light] .glass-card{background:#fff;border-color:#0000001a;box-shadow:0 2px 10px #00000012}[data-theme=light] .glass-input,[data-theme=light] .glass-select{color:#0f172a;background:#f0f4f9;border-color:#00000026}[data-theme=light] .glass-input:focus,[data-theme=light] .glass-select:focus{border-color:#b45309;box-shadow:0 0 0 3px #b453091a}[data-theme=light] .glass-input::placeholder{color:#94a3b8}[data-theme=light] .glass-select option{color:#0f172a;background:#fff}[data-theme=light] .chip{color:#64748b;background:#f0f4f9;border-color:#0000001f}[data-theme=light] .chip:hover{color:#0f172a;border-color:#b45309}[data-theme=light] .chip.active{color:#b45309;background:#b453091a;border-color:#b45309}[data-theme=light] .method-toggle{border-color:#0000001f}[data-theme=light] .method-btn{color:#64748b}[data-theme=light] .method-btn+.method-btn{border-left-color:#0000001a}[data-theme=light] .method-btn.active{color:#b45309;background:#b453091a}[data-theme=light] .method-btn:hover:not(.active){color:#0f172a;background:#f0f4f9}[data-theme=light] .hero-result{background:linear-gradient(135deg,#b4530912,#0891b20a);border-color:#b4530933}[data-theme=light] .hero-value{color:#b45309}[data-theme=light] .hero-savings-row{border-top-color:#00000012}[data-theme=light] .stat-cell{background:#f0f4f9;border-color:#0000001a}[data-theme=light] .stat-value{color:#0f172a}[data-theme=light] .stat-value.accent{color:#b45309}[data-theme=light] .stat-value.green{color:#047857}[data-theme=light] .method-badge{color:#b45309;background:#b453091a;border-color:#b4530933}[data-theme=light] .method-tip{color:#475569;background:#f0f4f9;border-left-color:#b45309}[data-theme=light] .tab-bar{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:#b45309;border-bottom-color:#b45309}[data-theme=light] .action-btn{color:#64748b;background:#f0f4f9;border-color:#0000001f}[data-theme=light] .action-btn:hover{color:#0f172a;border-color:#b45309}[data-theme=light] .cmp-col{background:#fff;border-color:#0000001a;box-shadow:0 1px 4px #0000000f}[data-theme=light] .cmp-col.cmp-best{border-color:#b453094d;box-shadow:0 2px 12px #b4530914}[data-theme=light] .cmp-col.standard .cmp-col-title{color:#0891b2}[data-theme=light] .cmp-col.actual .cmp-col-title{color:#7c3aed}[data-theme=light] .cmp-row{border-bottom-color:#0000000f}[data-theme=light] .cmp-row-label{color:#64748b}[data-theme=light] .cmp-row-val{color:#0f172a}[data-theme=light] .cmp-winner.standard{color:#0891b2;background:#eff9fb;border-color:#0891b240}[data-theme=light] .cmp-winner.actual{color:#7c3aed;background:#f5f3ff;border-color:#7c3aed40}[data-theme=light] .cmp-winner.neutral{color:#64748b;background:#f8fafc;border-color:#0000001a}[data-theme=light] .track-stat{background:#fff;border-color:#0000001a;box-shadow:0 1px 4px #0000000d}[data-theme=light] .track-stat-value{color:#0f172a}[data-theme=light] .progress-bar{background:#00000014}[data-theme=light] .progress-fill{background:linear-gradient(90deg,#b45309,#0891b2)}[data-theme=light] .progress-fill.warn{background:#b45309}[data-theme=light] .progress-fill.full{background:#047857}[data-theme=light] .progress-pct{color:#64748b}[data-theme=light] .month-row .glass-input{color:#0f172a;background:#f0f4f9;border-color:#0000001f}[data-theme=light] .month-label{color:#64748b}[data-theme=light] .month-unit{color:#94a3b8}[data-theme=light] .projection-box{background:#b453090d;border-color:#b4530926}[data-theme=light] .projection-title{color:#b45309}[data-theme=light] .projection-row-label{color:#64748b}[data-theme=light] .projection-row-val{color:#0f172a}[data-theme=light] .faq-item{border-bottom-color:#00000014}[data-theme=light] .faq-item__question{color:#0f172a}[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:#b45309}[data-theme=light] .faq-item__answer{color:#475569}@media (width<=1024px){.calc-grid{grid-template-columns:1fr}.track-stats{grid-template-columns:repeat(2,1fr)}}@media (width<=768px){.calc-hero{padding:24px 16px 16px}.tab-bar{padding:0 16px}.calc-grid{padding:0 16px 24px}.cmp-grid{grid-template-columns:1fr}.month-grid,.track-stats{grid-template-columns:repeat(2,1fr)}.stat-grid{grid-template-columns:1fr 1fr}.page-sections-outer{padding:0 1rem 2rem}}@media (width<=480px){.month-grid{grid-template-columns:1fr}.track-stats{grid-template-columns:1fr 1fr}.cmp-grid{grid-template-columns:1fr}}