:root{--bg:#050810;--surface:#111827;--surface2:#161f30;--border:rgba(255,255,255,.1);--gold:#e8b84b;--gold2:#f5d07a;--text:#f0f4ff;--muted:#9aabc4;--green:#34d399;--red:#f87171}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:radial-gradient(circle at 80% 0,rgba(99,102,241,.13),transparent 35%),var(--bg);color:var(--text);font-family:Inter,system-ui,sans-serif;line-height:1.6}a{color:inherit}.topbar{height:64px;border-bottom:1px solid var(--border);background:rgba(5,8,16,.88);backdrop-filter:blur(18px);display:flex;align-items:center;justify-content:space-between;padding:0 max(20px,calc((100% - 1100px)/2));position:sticky;top:0;z-index:10}.brand{text-decoration:none;font-weight:800;letter-spacing:-.4px}.brand span{color:var(--gold)}.toplinks{display:flex;gap:18px}.toplinks a{text-decoration:none;color:var(--muted);font-size:14px}.toplinks a:hover{color:var(--gold)}main{width:min(1100px,calc(100% - 32px));margin:0 auto;padding:56px 0 72px}.crumbs{font-size:13px;color:var(--muted);margin-bottom:20px}.crumbs a{text-decoration:none}.eyebrow{color:var(--gold);text-transform:uppercase;letter-spacing:1px;font-size:12px;font-weight:800}.hero h1{font-size:clamp(34px,5vw,56px);line-height:1.08;letter-spacing:-1.8px;margin:10px 0 16px}.hero p{color:var(--muted);font-size:17px;max-width:760px;margin:0}.layout{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(290px,.75fr);gap:24px;margin-top:36px}.card{background:linear-gradient(145deg,rgba(22,31,48,.96),rgba(12,17,32,.96));border:1px solid var(--border);border-radius:20px;padding:28px;box-shadow:0 24px 80px rgba(0,0,0,.28)}.card h2{margin:0 0 6px;font-size:21px}.hint{color:var(--muted);font-size:13px;margin:0 0 22px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}.field.full{grid-column:1/-1}label{display:block;font-size:13px;font-weight:700;margin-bottom:7px}input,select{width:100%;border:1px solid var(--border);background:#090e1b;color:var(--text);border-radius:10px;padding:12px 13px;font:inherit;outline:none}input:focus,select:focus{border-color:var(--gold);box-shadow:0 0 0 3px rgba(232,184,75,.12)}button{width:100%;margin-top:22px;border:0;border-radius:10px;background:var(--gold);color:#171000;font:700 15px inherit;padding:13px 18px;cursor:pointer}button:hover{background:var(--gold2)}.result{display:none}.result.show{display:block}.result-label{color:var(--muted);font-size:13px}.result-main{font-size:clamp(30px,5vw,44px);font-weight:800;color:var(--gold);letter-spacing:-1px;margin:4px 0 16px}.result-row{display:flex;justify-content:space-between;gap:20px;border-top:1px solid var(--border);padding:12px 0;font-size:14px}.result-row span:first-child{color:var(--muted)}.note{margin-top:18px;padding:13px 15px;border-radius:10px;background:rgba(232,184,75,.08);border:1px solid rgba(232,184,75,.2);font-size:12px;color:#d8caa7}.content{margin-top:32px}.content h2{font-size:26px;margin:34px 0 10px}.content h3{font-size:19px;margin:24px 0 8px}.content p,.content li{color:var(--muted)}.formula{background:#090e1b;border:1px solid var(--border);padding:16px;border-radius:10px;color:var(--gold2);font-family:ui-monospace,monospace}.related{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:18px}.related a{background:var(--surface);border:1px solid var(--border);padding:15px;border-radius:12px;text-decoration:none;font-size:14px}.related a:hover{border-color:var(--gold);color:var(--gold)}footer{border-top:1px solid var(--border);padding:28px 16px;text-align:center;color:var(--muted);font-size:12px}@media(max-width:760px){.toplinks a:not(:first-child){display:none}main{padding-top:36px}.layout{grid-template-columns:1fr}.form-grid{grid-template-columns:1fr}.field.full{grid-column:auto}.card{padding:21px}.related{grid-template-columns:1fr}}

/* Accessibility: skip-to-content link */
.skip-link{position:absolute;left:-9999px;top:0;background:#c9a84c;color:#06080f;
padding:10px 18px;font-weight:700;font-size:14px;z-index:99999;border-radius:0 0 8px 0;
text-decoration:none}
.skip-link:focus{left:0}
.content table{width:100%;border-collapse:collapse;margin:18px 0;font-size:13.5px}
.content th,.content td{text-align:left;padding:10px 12px;border-bottom:1px solid var(--border)}
.content th{color:var(--gold2);font-weight:700;background:rgba(232,184,75,.06)}
.content td{color:var(--muted)}
.content tr:last-child td{border-bottom:none}
.faq-list{margin-top:14px}
.faq-item{border:1px solid var(--border);border-radius:10px;margin-bottom:10px;background:var(--surface);overflow:hidden}
.faq-item summary{cursor:pointer;padding:14px 16px;font-weight:700;font-size:14.5px;color:var(--text);list-style:none;display:flex;justify-content:space-between;gap:10px}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:'+';color:var(--gold);font-size:18px;font-weight:400;flex-shrink:0}
.faq-item[open] summary::after{content:'−'}
.faq-item .faq-a{padding:0 16px 16px;color:var(--muted);font-size:13.5px;line-height:1.7}
.source-box{background:rgba(232,184,75,.06);border:1px solid rgba(232,184,75,.18);border-radius:10px;padding:14px 16px;font-size:13px;color:var(--muted);margin:18px 0}
.source-box b{color:var(--gold2)}
.disclaimer-box{background:rgba(248,113,113,.06);border:1px solid rgba(248,113,113,.18);border-radius:10px;padding:14px 16px;font-size:12.5px;color:var(--muted);margin:18px 0}

.calculator-footer-links{display:flex;justify-content:center;flex-wrap:wrap;gap:14px;margin-top:10px}.calculator-footer-links a{color:var(--muted);text-decoration:none}.calculator-footer-links a:hover{color:var(--gold)}
@media(max-width:640px){.topbar{padding:0 12px}.toplinks{gap:8px}.toplinks a,.toplinks a:not(:first-child){display:block;font-size:11px}.brand{font-size:16px}}@media(max-width:390px){.toplinks{gap:5px}.toplinks a,.toplinks a:not(:first-child){font-size:10px}}