:root{--color-bg:#f7f8fa;--color-surface:#fff;--color-border:#e2e5eb;--color-text:#1a1f2b;--color-text-muted:#5b6472;--color-primary:#1e3a5f;--color-primary-hover:#16304e;--color-accent:#2563eb;--color-positive:#15803d;--color-positive-bg:#ecfdf3;--color-negative:#b3401f;--color-negative-bg:#fdf1ec;--shadow-card:0 1px 2px #1018280f, 0 1px 3px #10182814;--radius:10px;--max-width:840px}@media (prefers-color-scheme:dark){:root{--color-bg:#14181f;--color-surface:#1c2129;--color-border:#2e3441;--color-text:#e9ebf0;--color-text-muted:#9aa3b2;--color-primary:#6f9bd1;--color-primary-hover:#8bb0dc;--color-accent:#6f9bd1;--color-positive:#4ade80;--color-positive-bg:#123321;--color-negative:#f0876a;--color-negative-bg:#3a1f16;--shadow-card:0 1px 2px #0000004d, 0 1px 3px #0006}}*{box-sizing:border-box}html{color-scheme:light dark}body{background:var(--color-bg);color:var(--color-text);-webkit-font-smoothing:antialiased;margin:0;font-family:-apple-system,BlinkMacSystemFont,Segoe 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a{color:var(--color-text-muted);font-size:.95rem;font-weight:500;text-decoration:none}.site-nav a:hover{color:var(--color-text)}.site-footer{border-top:1px solid var(--color-border);color:var(--color-text-muted);margin-top:4rem;padding:2rem 1.25rem;font-size:.9rem}.site-footer-inner{flex-wrap:wrap;justify-content:space-between;gap:1rem;max-width:1080px;margin:0 auto;display:flex}.site-footer nav{flex-wrap:wrap;gap:1rem;display:flex}.site-footer a{color:var(--color-text-muted)}.site-footer a:hover{color:var(--color-text)}.card{background:var(--color-surface);border:1px solid var(--color-border);border-radius:var(--radius);box-shadow:var(--shadow-card);padding:1.5rem}@media (width>=640px){.card{padding:2rem}}main{padding:2.5rem 0 1rem}.breadcrumb{color:var(--color-text-muted);margin-bottom:1rem;font-size:.85rem}.breadcrumb a{color:var(--color-text-muted);text-decoration:none}.breadcrumb a:hover{color:var(--color-accent)}.breadcrumb span[aria-current]{color:var(--color-text)}.intro-example{background:var(--color-surface);border:1px solid var(--color-border);border-left:4px solid var(--color-accent);border-radius:6px;margin:1rem 0 1.5rem;padding:.9rem 1.1rem;font-size:1.05rem}.calc-form{gap:1.1rem;display:grid}.calc-field{gap:.35rem;display:grid}.calc-field label{font-size:.92rem;font-weight:600}.calc-field .hint{color:var(--color-text-muted);font-size:.82rem;font-weight:400}.calc-field input,.calc-field select,.calc-field textarea{border:1px solid var(--color-border);background:var(--color-bg);color:var(--color-text);resize:vertical;border-radius:8px;padding:.6rem .75rem;font-family:inherit;font-size:1rem}.calc-field input:focus,.calc-field select:focus,.calc-field textarea:focus{outline:2px solid var(--color-accent);outline-offset:1px}.calc-row{grid-template-columns:1fr;gap:1rem;display:grid}@media (width>=560px){.calc-row-2{grid-template-columns:1fr 1fr}}button.calc-submit{background:var(--color-primary);color:#fff;cursor:pointer;border:none;border-radius:8px;justify-self:start;padding:.75rem 1.25rem;font-size:1rem;font-weight:600}button.calc-submit:hover{background:var(--color-primary-hover)}.calc-result{border-radius:var(--radius);border:1px solid var(--color-border);background:var(--color-bg);margin-top:1.5rem;padding:1.25rem}.calc-result[hidden]{display:none}.calc-result .headline{margin:0 0 .35rem;font-size:1.6rem;font-weight:700}.calc-result .detail{margin:0 0 .6rem;font-size:1.05rem}.calc-result .sub{color:var(--color-text-muted);font-size:.95rem}.calc-result.is-positive{background:var(--color-positive-bg);border-color:var(--color-positive)}.calc-result.is-positive .headline{color:var(--color-positive)}.calc-result.is-negative{background:var(--color-negative-bg);border-color:var(--color-negative)}.calc-result.is-negative .headline{color:var(--color-negative)}.calc-error{color:var(--color-negative);margin-top:.5rem;font-size:.9rem}.calc-error[hidden]{display:none}.faq-item{border-bottom:1px solid var(--color-border);padding:.9rem 0}.faq-item:first-child{border-top:1px solid var(--color-border)}.faq-item summary{cursor:pointer;justify-content:space-between;align-items:center;gap:1rem;font-weight:600;list-style:none;display:flex}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary:after{content:"+";color:var(--color-text-muted);flex-shrink:0;font-size:1.3rem}.faq-item[open] summary:after{content:"−"}.faq-item p{color:var(--color-text-muted);margin:.6rem 0 0}.data-source-note{color:var(--color-text-muted);border-top:1px solid var(--color-border);margin-top:2rem;padding-top:1rem;font-size:.88rem}.disclaimer{background:var(--color-bg);border:1px dashed var(--color-border);color:var(--color-text-muted);border-radius:8px;padding:.9rem 1.1rem;font-size:.9rem}.hero{text-align:center;padding:1rem 0 2rem}.hero p.lead{color:var(--color-text-muted);max-width:620px;margin:0 auto 1.5rem;font-size:1.1rem}.calc-grid{grid-template-columns:1fr;gap:1.25rem;display:grid}@media (width>=720px){.calc-grid{grid-template-columns:repeat(3,1fr)}}.calc-card{color:inherit;background:var(--color-surface);border:1px solid var(--color-border);border-radius:var(--radius);box-shadow:var(--shadow-card);padding:1.5rem;text-decoration:none;transition:transform .15s,box-shadow .15s;display:block}.calc-card:hover{transform:translateY(-2px);box-shadow:0 4px 14px #1018281a}.calc-card h3{color:var(--color-text);margin:0 0 .4rem}.calc-card p{color:var(--color-text-muted);margin:0;font-size:.92rem}.calc-card .tag{text-transform:uppercase;letter-spacing:.04em;color:var(--color-accent);margin-bottom:.5rem;font-size:.75rem;font-weight:700;display:inline-block}.related-list{grid-template-columns:1fr;gap:.75rem;margin-top:1rem;display:grid}@media 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