*, *::before, *::after { box-sizing: border-box; }

:root {
  --bg: #f5f3ef;
  --bg2: #edeae4;
  --surface: #ffffff;
  --border: #ddd9d0;
  --ink: #1a1714;
  --ink2: #4a4540;
  --ink3: #6f6961;
  --accent: #c8522a;
  --accent-bg: #fdf0e8;
  --green: #2d6a4f;
  --green-bg: #eaf4ef;
  --blue: #1a4a7a;
  --blue-bg: #e8f0f8;
  --purple: #5a3a7a;
  --purple-bg: #f0eaf8;
  --radius: 14px;
  --shadow: 0 2px 14px rgba(26, 23, 20, 0.08);
  --shadow-lg: 0 14px 38px rgba(26, 23, 20, 0.14);
  --max: 1120px;
}

html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
  text-size-adjust: 100%;
}
html,
body { width: 100%; max-width: 100%; }
body {
  margin: 0;
  font-family: system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Arial, sans-serif;
  background: var(--bg);
  color: var(--ink);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
img,
svg,
video,
canvas {
  max-width: 100%;
}
img,
video {
  height: auto;
}
button,
a,
input,
select,
textarea {
  touch-action: manipulation;
}
h1,
h2,
h3,
h4,
p,
li,
dd,
dt,
a,
button,
label,
span {
  overflow-wrap: anywhere;
}
a { color: inherit; }
a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible {
  outline: 3px solid var(--accent);
  outline-offset: 3px;
}
[hidden] { display: none !important; }
.visually-hidden {
  position: absolute;
  width: 1px;
  height: 1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
}

.main-nav {
  position: sticky;
  top: 0;
  z-index: 20;
  background: rgba(245, 243, 239, 0.94);
  border-bottom: 1px solid var(--border);
}
.nav-inner {
  position: relative;
  max-width: var(--max);
  height: 66px;
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  gap: 36px;
}
.nav-logo,
.footer-logo {
  font-family: Georgia, "Times New Roman", serif;
  font-size: 1.45rem;
  color: var(--ink);
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 0;
  white-space: nowrap;
}
.nav-logo .nav-logo-badge { margin-right: 8px; }
.nav-logo-badge {
  width: 30px;
  height: 30px;
  border-radius: 7px;
  background: #fff;
  color: var(--accent);
  border: 1px solid var(--border);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-family: inherit;
  font-size: 0.85rem;
  font-weight: 800;
  overflow: hidden;
  padding: 2px;
}
.nav-logo-badge img,
.footer-logo-mark img,
.tcard-avatar img {
  width: 100%;
  height: 100%;
  object-fit: contain;
  display: block;
  border-radius: inherit;
}
.nav-links {
  display: flex;
  align-items: center;
  gap: 28px;
  list-style: none;
  margin: 0;
  padding: 0;
  flex: 1;
  min-width: 0;
}
.nav-toggle {
  display: none;
  width: 44px;
  height: 44px;
  border: 1px solid var(--border);
  border-radius: 8px;
  background: var(--surface);
  align-items: center;
  justify-content: center;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  margin-left: auto;
}
.nav-toggle span {
  width: 20px;
  height: 2px;
  border-radius: 2px;
  background: var(--ink);
  transition: transform 0.18s ease, opacity 0.18s ease;
}
.nav-toggle[aria-expanded="true"] span:first-child { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:last-child { transform: translateY(-7px) rotate(-45deg); }
.mobile-nav {
  display: none;
  position: absolute;
  left: 18px;
  right: 18px;
  top: 66px;
  padding: 10px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 10px;
  box-shadow: var(--shadow-lg);
  z-index: 30;
}
.mobile-nav.open { display: grid; gap: 4px; }
.mobile-nav a {
  min-height: 44px;
  display: flex;
  align-items: center;
  padding: 0 12px;
  border-radius: 8px;
  color: var(--ink2);
  text-decoration: none;
  font-size: 0.9rem;
  font-weight: 700;
}
.mobile-nav a:hover,
.mobile-nav a.active { background: var(--accent-bg); color: var(--accent); }
.nav-links a,
.footer-links a {
  color: var(--ink2);
  text-decoration: none;
  font-size: 0.875rem;
  font-weight: 600;
}
.nav-links a:hover,
.nav-links a.active,
.footer-links a:hover { color: var(--accent); }
.nav-cta {
  background: var(--ink);
  color: #fff;
  text-decoration: none;
  border-radius: 9px;
  padding: 10px 18px;
  font-size: 0.84rem;
  font-weight: 700;
  white-space: nowrap;
}
.assistant-fab {
  position: fixed;
  right: 22px;
  bottom: 22px;
  z-index: 35;
  min-height: 46px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 10px;
  padding: 0 16px;
  background: var(--green);
  color: #fff;
  text-decoration: none;
  font-size: 0.86rem;
  font-weight: 800;
  box-shadow: var(--shadow-lg);
}
.assistant-fab:hover { background: #235840; }

main { min-height: calc(100vh - 180px); }
main,
.tool-main {
  contain: layout style;
}
.tool-hero {
  max-width: var(--max);
  margin: 0 auto;
  padding: 52px 24px 28px;
}
.breadcrumb {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  align-items: center;
  margin-bottom: 22px;
  color: var(--ink3);
  font-size: 0.78rem;
}
.breadcrumb a { color: var(--ink3); text-decoration: none; }
.breadcrumb a:hover { color: var(--accent); }
.hero-label,
.calc-badge {
  display: inline-flex;
  align-items: center;
  border-radius: 999px;
  border: 1px solid #f0c8a8;
  background: var(--accent-bg);
  color: var(--accent);
  padding: 5px 12px;
  font-size: 0.7rem;
  font-weight: 800;
  letter-spacing: 0.11em;
  text-transform: uppercase;
}
.tool-hero h1 {
  font-family: Georgia, "Times New Roman", serif;
  font-size: clamp(2.1rem, 5vw, 3.6rem);
  line-height: 1.05;
  margin: 16px 0 14px;
}
.hero-desc {
  max-width: 760px;
  margin: 0;
  color: var(--ink2);
  font-size: 1rem;
}
.tool-main {
  max-width: var(--max);
  margin: 0 auto;
  padding: 0 24px 70px;
}
.calculator-shell { --tone: var(--accent); --tone-bg: var(--accent-bg); }
.tone-invest { --tone: var(--green); --tone-bg: var(--green-bg); }
.tone-tax { --tone: var(--blue); --tone-bg: var(--blue-bg); }
.tone-personal { --tone: var(--purple); --tone-bg: var(--purple-bg); }
.calc-layout {
  display: grid;
  grid-template-columns: minmax(0, 1.08fr) minmax(320px, 0.92fr);
  gap: 24px;
  align-items: start;
  min-width: 0;
}
.calc-panel,
.result-panel,
.related-tools {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  min-width: 0;
  max-width: 100%;
  contain: content;
}
.calc-panel,
.result-panel { padding: 28px; }
.calc-panel h2,
.related-tools h2 {
  font-family: Georgia, "Times New Roman", serif;
  font-size: 1.75rem;
  line-height: 1.15;
  margin: 14px 0 8px;
}
.calc-panel p {
  margin: 0 0 22px;
  color: var(--ink2);
}
.calculator-context {
  display: grid;
  grid-template-columns: minmax(180px, 240px) minmax(0, 1fr);
  gap: 14px;
  align-items: end;
  margin: 0 0 18px;
  padding: 14px;
  border: 1px solid var(--border);
  border-radius: 12px;
  background: var(--bg);
  min-width: 0;
}
.calculator-context p,
.calc-panel .method-note {
  margin: 0;
  color: var(--ink3);
  font-size: 0.8rem;
  line-height: 1.55;
}
.calc-panel .method-note {
  margin: -8px 0 18px;
  padding: 12px 14px;
  border-radius: 10px;
  background: var(--tone-bg);
  color: var(--ink2);
}
.currency-field label { margin-bottom: 6px; }
.calc-badge { border-color: color-mix(in srgb, var(--tone) 35%, #fff); background: var(--tone-bg); color: var(--tone); }
.fields-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
  min-width: 0;
}
.field { min-width: 0; }
.field label {
  display: block;
  margin-bottom: 7px;
  color: var(--ink2);
  font-size: 0.82rem;
  font-weight: 800;
}
.field-row {
  display: flex;
  align-items: center;
  min-height: 48px;
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 10px;
  overflow: hidden;
}
.field-invalid .field-row,
.field-invalid input,
.field-invalid select {
  border-color: #9f2d20;
  background: #fff4f1;
}
.field-error,
.calc-error {
  min-height: 20px;
  margin-top: 6px;
  color: #9f2d20;
  font-size: 0.78rem;
  font-weight: 700;
}
.calc-error {
  margin-top: 14px;
}
.field-prefix,
.field-suffix {
  color: var(--ink3);
  font-size: 0.82rem;
  font-weight: 800;
  padding: 0 12px;
  white-space: nowrap;
}
input,
select,
textarea {
  width: 100%;
  min-height: 48px;
  border: 1px solid var(--border);
  border-radius: 10px;
  background: var(--bg);
  color: var(--ink);
  font: inherit;
  font-size: 16px;
  font-weight: 650;
  padding: 0 13px;
  max-width: 100%;
}
.field-row input {
  min-width: 0;
  border: 0;
  border-radius: 0;
  background: transparent;
}
.calc-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 22px;
}
.calc-btn {
  border: 0;
  border-radius: 10px;
  min-height: 48px;
  padding: 0 18px;
  font: inherit;
  font-size: 0.88rem;
  font-weight: 800;
  cursor: pointer;
}
.calc-btn.primary { background: var(--tone); color: #fff; }
.calc-btn.secondary { background: var(--bg2); color: var(--ink); }
.result-panel {
  position: sticky;
  top: 86px;
  min-height: 200px;
}
.result-panel h3 {
  margin: 0 0 16px;
  font-size: 0.82rem;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--ink3);
}
.result-primary {
  border-radius: 14px;
  background: var(--ink);
  color: #fff;
  padding: 22px;
  margin-bottom: 16px;
}
.result-primary .label,
.result-item .label {
  color: rgba(255, 255, 255, 0.62);
  font-size: 0.78rem;
  font-weight: 700;
}
.result-primary .value {
  font-size: clamp(1.75rem, 4vw, 2.45rem);
  line-height: 1.1;
  font-weight: 800;
  margin-top: 5px;
  overflow-wrap: anywhere;
}
.result-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
  min-width: 0;
}
.result-item {
  min-height: 78px;
  border: 1px solid var(--border);
  border-radius: 12px;
  background: var(--bg);
  padding: 13px;
}
.result-item .label { color: var(--ink3); }
.result-item .value {
  margin-top: 4px;
  color: var(--ink);
  font-weight: 800;
  overflow-wrap: anywhere;
}
.result-item .positive { color: var(--green); }
.result-item .negative { color: #9f2d20; }
.mini-result-chart {
  margin: 18px 0 14px;
  min-height: 38px;
}
.mini-result-chart span {
  display: inline-block;
  height: 12px;
  background: var(--tone);
  vertical-align: top;
}
.mini-result-chart span + span { background: var(--ink); }
.mini-result-chart small {
  display: block;
  margin-top: 8px;
  color: var(--ink3);
  font-size: 0.76rem;
}
.info-box {
  border-radius: 12px;
  background: var(--tone-bg);
  color: var(--ink2);
  padding: 14px 16px;
  font-size: 0.88rem;
}
.related-tools {
  margin-top: 24px;
  padding: 26px;
  content-visibility: auto;
  contain-intrinsic-size: 360px;
}
.education-section {
  margin-top: 24px;
  padding: 28px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  content-visibility: auto;
  contain-intrinsic-size: 900px;
  min-width: 0;
  max-width: 100%;
}
.calculator-container,
.results-panel,
.result-panel,
.faq-section,
.education-faq {
  -webkit-overflow-scrolling: touch;
  will-change: auto;
}
.education-head h2,
.education-section h3 {
  font-family: Georgia, "Times New Roman", serif;
  line-height: 1.15;
}
.education-head h2 {
  margin: 14px 0 8px;
  font-size: 1.8rem;
}
.education-head p,
.education-section p,
.education-section li {
  color: var(--ink2);
  font-size: 0.92rem;
}
.education-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
  margin-top: 22px;
}
.education-grid article,
.education-tips,
.education-faq,
.education-links {
  border: 1px solid var(--border);
  border-radius: 12px;
  background: var(--bg);
  padding: 18px;
}
.education-section h3 {
  margin: 0 0 8px;
  font-size: 1.15rem;
}
.education-section ul {
  margin: 0;
  padding-left: 18px;
}
.formula-card code {
  display: block;
  padding: 12px;
  border-radius: 9px;
  background: var(--ink);
  color: #fff;
  overflow-x: auto;
  white-space: nowrap;
}
.education-tips,
.education-faq,
.education-links {
  margin-top: 16px;
}
.education-faq details {
  border-top: 1px solid var(--border);
  padding: 12px 0;
}
.education-faq details:first-of-type { border-top: 0; }
.education-faq summary {
  cursor: pointer;
  font-weight: 800;
  color: var(--ink);
}
.education-faq p { margin: 8px 0 0; }
.related-inline {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}
.related-inline a {
  min-height: 44px;
  display: inline-flex;
  align-items: center;
  border-radius: 999px;
  padding: 0 14px;
  background: var(--tone-bg, var(--accent-bg));
  color: var(--tone, var(--accent));
  text-decoration: none;
  font-size: 0.84rem;
  font-weight: 800;
}
.related-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
}
.tool-card {
  display: block;
  min-height: 190px;
  padding: 20px;
  text-decoration: none;
  border: 1px solid var(--border);
  border-radius: 12px;
  background: #fff;
  transition: transform 0.18s ease, box-shadow 0.18s ease, border-color 0.18s ease;
  overflow-wrap: anywhere;
  contain: layout paint style;
}
.tool-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-lg);
  border-color: var(--card-accent, var(--accent));
}
.tool-card-loan { --card-accent: var(--accent); }
.tool-card-invest { --card-accent: var(--green); }
.tool-card-tax { --card-accent: var(--blue); }
.tool-card-personal { --card-accent: var(--purple); }
.tool-card h3 {
  font-family: Georgia, "Times New Roman", serif;
  margin: 14px 0 8px;
  font-size: 1.25rem;
}
.tool-card p {
  margin: 0;
  color: var(--ink2);
  font-size: 0.88rem;
}
.toast {
  position: fixed;
  right: 24px;
  bottom: 24px;
  z-index: 40;
  background: var(--ink);
  color: #fff;
  border-radius: 10px;
  padding: 12px 16px;
  box-shadow: var(--shadow-lg);
  opacity: 0;
  transform: translateY(10px);
  pointer-events: none;
  transition: opacity 0.18s ease, transform 0.18s ease;
}
.toast.show { opacity: 1; transform: translateY(0); }
footer {
  background: var(--ink);
  color: #fff;
  padding: 34px 0;
}
.footer-inner {
  max-width: var(--max);
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 18px;
  min-width: 0;
}
.footer-logo { color: #fff; }
footer p {
  margin: 0;
  color: rgba(255, 255, 255, 0.58);
  font-size: 0.82rem;
}
.footer-links {
  display: flex;
  flex-wrap: wrap;
  gap: 18px;
  min-width: 0;
}
.footer-links a { color: rgba(255, 255, 255, 0.72); }

@media (max-width: 860px) {
  .nav-links { display: none; }
  .nav-toggle { display: inline-flex; }
  .nav-inner { height: 60px; gap: 16px; }
  .mobile-nav {
    top: 60px;
    left: 14px;
    right: 14px;
    max-height: calc(100svh - 76px);
    overflow-y: auto;
  }
  .nav-cta { margin-left: 0; }
  .calc-layout,
  .related-grid { grid-template-columns: 1fr; }
  .result-panel { position: static; }
}
@media (max-width: 560px) {
  .nav-inner,
  .tool-hero,
  .tool-main,
  .footer-inner { padding-left: 18px; padding-right: 18px; }
  .nav-cta { display: none; }
  .nav-logo,
  .footer-logo { font-size: 1.28rem; }
  .nav-logo-badge {
    width: 28px;
    height: 28px;
    margin-right: 7px;
  }
  .mobile-nav a { min-height: 48px; }
  .fields-grid,
  .result-grid,
  .calculator-context { grid-template-columns: 1fr; }
  .calc-panel,
  .result-panel,
  .education-section,
  .related-tools { padding: 20px; }
  .education-grid { grid-template-columns: 1fr; }
  .formula-card code { white-space: normal; overflow-wrap: anywhere; }
  .tool-hero { padding-top: 28px; padding-bottom: 22px; }
  .tool-hero h1 { font-size: 2rem; }
  .calc-actions { display: grid; grid-template-columns: 1fr; }
  .calc-btn { width: 100%; min-height: 48px; }
  input,
  select,
  textarea {
    font-size: 16px;
    border-radius: 8px;
    padding: 12px 16px;
  }
  .result-primary { padding: 18px; }
  .result-primary .value { font-size: 1.6rem; overflow-wrap: anywhere; }
  .related-inline a { width: 100%; justify-content: center; text-align: center; }
  .footer-inner {
    align-items: flex-start;
    flex-direction: column;
    gap: 14px;
  }
  .footer-links {
    gap: 10px 16px;
  }
  .footer-links a {
    min-height: 34px;
    display: inline-flex;
    align-items: center;
  }
  .main-nav { background: var(--bg); }
  .calc-panel,
  .result-panel,
  .related-tools,
  .education-section,
  .mobile-nav,
  .toast { box-shadow: none; }
  .tool-card { transition: none; }
  .tool-card:hover { transform: none; box-shadow: none; }
  .toast { right: 18px; left: 18px; bottom: 18px; text-align: center; }
  .assistant-fab {
    right: max(12px, env(safe-area-inset-right));
    bottom: max(12px, env(safe-area-inset-bottom));
    min-height: 42px;
    padding: 0 13px;
    box-shadow: none;
  }
}
@media (max-width: 360px) {
  .nav-inner,
  .tool-hero,
  .tool-main,
  .footer-inner { padding-left: 14px; padding-right: 14px; }
  .calc-panel,
  .result-panel,
  .education-section,
  .related-tools { padding: 16px; }
  .field-prefix,
  .field-suffix { padding: 0 9px; }
  input,
  select { padding-left: 10px; padding-right: 10px; }
  .tool-hero h1 { font-size: 1.78rem; }
  .calc-panel h2,
  .related-tools h2,
  .education-head h2 { font-size: 1.45rem; }
}
@media (hover: none) and (pointer: coarse) {
  .nav-toggle span,
  .toast,
  .tool-card { transition: none; }
  .tool-card:hover { transform: none; box-shadow: var(--shadow); }
  .tool-card,
  .calc-btn,
  .nav-links a,
  .footer-links a,
  .related-inline a {
    transition-duration: 0.2s;
  }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
}

.breadcrumb ol{display:flex;align-items:center;gap:6px;flex-wrap:wrap;list-style:none;margin:0 0 16px;padding:0}
.breadcrumb li{font-size:.9rem;color:var(--muted,#6f6a60)}
.breadcrumb a{color:inherit;text-decoration:none}
.breadcrumb a:hover{text-decoration:underline}
.breadcrumb [aria-current="page"]{font-weight:700;color:var(--ink,#18160f)}
.seo-block{background:var(--surface,#fff);border:1px solid var(--border,#dedad0);border-radius:10px;padding:24px;margin:24px 0}
.seo-block h3{margin:0 0 10px}
.seo-block h3:not(:first-child){margin-top:24px}
.seo-block pre{overflow:auto;background:var(--bg2,#eeebe3);border:1px solid var(--border,#dedad0);border-radius:8px;padding:14px;margin:12px 0}
.seo-block code{font-family:ui-monospace,SFMono-Regular,Consolas,monospace}
.share-x{display:inline-flex;align-items:center;justify-content:center;text-decoration:none}