*,*::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:auto}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}a{color:inherit}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible{outline:3px solid var(--accent);outline-offset:3px}.main-nav{position:sticky;top:0;z-index:20;background:rgba(245,243,239,0.94);border-bottom:1px solid 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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}.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)}.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:layout paint style}.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 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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}.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}.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{gap:16px}.nav-cta{margin-left:0}.calc-layout,.related-grid{grid-template-columns:1fr}.result-panel{position:static}}@media 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a{width:100%;justify-content:center;text-align:center}.footer-inner{align-items:flex-start}.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:14px;bottom:14px;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}}@media (hover:none) and (pointer:coarse){.nav-toggle span,.toast,.tool-card{transition:none}.tool-card:hover{transform:none;box-shadow:var(--shadow)}}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{animation-duration:0.01ms 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