:root{--paper: #f7f3ec;--paper-deep: #efe8da;--ink: #22271f;--ink-soft: #4c5245;--accent: #166e4f;--accent-soft: #dcebe2;--gold: #b07d2b;--line: #ddd3bf;--card: #fffdf8;--radius: 14px}*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{margin:0;background:var(--paper);color:var(--ink);font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,sans-serif;font-size:17px;line-height:1.65}.wrap{max-width:1200px;margin:0 auto;padding:0 24px}h1,h2,h3{font-family:Georgia,Iowan Old Style,Times New Roman,serif;line-height:1.15;letter-spacing:-.01em;margin:0 0 .5em}h1{font-size:clamp(2.1rem,4.6vw,3.4rem)}h2{font-size:clamp(1.45rem,3vw,2rem);margin-top:1.6em}h3{font-size:1.15rem;margin-top:1.3em}p{margin:0 0 1em}a{color:var(--accent)}.lede{font-size:1.15rem;color:var(--ink-soft);max-width:46em}.site-header{border-bottom:1px solid var(--line);background:var(--paper)}.header-in{display:flex;flex-wrap:wrap;gap:12px 28px;align-items:baseline;padding-top:18px;padding-bottom:18px}.brand{font-family:Georgia,serif;font-size:1.5rem;font-weight:700;color:var(--ink);text-decoration:none}.brand span{color:var(--accent)}.top-nav{display:flex;flex-wrap:wrap;gap:6px 20px;margin-left:auto}.top-nav a{color:var(--ink-soft);text-decoration:none;font-size:.98rem}.top-nav a:hover{color:var(--accent);text-decoration:underline}main.wrap{padding-top:40px;padding-bottom:24px}.tool{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:28px;margin:28px 0 8px;box-shadow:0 2px 14px #3c32140d}.tool-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px}@media(max-width:820px){.tool-grid{grid-template-columns:1fr}}.field{margin-bottom:18px}.field label{display:block;font-weight:600;font-size:.95rem;margin-bottom:6px}.field .hint{font-weight:400;color:var(--ink-soft);font-size:.85rem}.field input,.field select{width:100%;padding:11px 13px;font-size:1.05rem;font-family:inherit;color:var(--ink);background:#fff;border:1px solid var(--line);border-radius:9px}.field input:focus,.field select:focus{outline:2px solid var(--accent);outline-offset:1px}.input-prefix{position:relative}.input-prefix span{position:absolute;left:13px;top:50%;transform:translateY(-50%);color:var(--ink-soft)}.input-prefix input{padding-left:28px}.input-suffix{position:relative}.input-suffix span{position:absolute;right:13px;top:50%;transform:translateY(-50%);color:var(--ink-soft)}.input-suffix input{padding-right:34px}.headline-result{border-left:5px solid var(--accent);padding:4px 0 4px 18px;margin-bottom:20px}.headline-result .big{font-family:Georgia,serif;font-size:clamp(2rem,4.5vw,3rem);font-weight:700;line-height:1.1}.headline-result .label{color:var(--ink-soft);font-size:.95rem}.breakdown{list-style:none;margin:0;padding:0}.breakdown li{display:flex;justify-content:space-between;gap:16px;padding:9px 0;border-bottom:1px dashed var(--line)}.breakdown li:last-child{border-bottom:none}.breakdown .k{color:var(--ink-soft)}.breakdown .v{font-weight:600;font-variant-numeric:tabular-nums;white-space:nowrap}.share-bar{display:flex;height:16px;border-radius:8px;overflow:hidden;margin:16px 0 6px;border:1px solid var(--line)}.share-bar .seg-principal{background:var(--gold)}.share-bar .seg-contrib{background:#7d9c8d}.share-bar .seg-interest{background:var(--accent)}.share-legend{display:flex;flex-wrap:wrap;gap:4px 18px;font-size:.85rem;color:var(--ink-soft);margin-bottom:4px}.share-legend i{display:inline-block;width:11px;height:11px;border-radius:3px;margin-right:5px}.bars{margin:10px 0 4px}.bar-row{display:grid;grid-template-columns:52px 1fr 110px;align-items:center;gap:12px;padding:3px 0;font-size:.9rem}.bar-row .yr{color:var(--ink-soft);font-variant-numeric:tabular-nums}.bar-row .amt{text-align:right;font-weight:600;font-variant-numeric:tabular-nums}.bar-track{background:var(--paper-deep);border-radius:5px;height:18px;overflow:hidden}.bar-fill{height:100%;background:linear-gradient(90deg,#7d9c8d,var(--accent));border-radius:5px;min-width:2px}.table-scroll{overflow-x:auto;margin:14px 0 8px}table.data{border-collapse:collapse;width:100%;font-size:.97rem}table.data th,table.data td{padding:9px 12px;border-bottom:1px solid var(--line);text-align:right;font-variant-numeric:tabular-nums}table.data th:first-child,table.data td:first-child{text-align:left}table.data thead th{border-bottom:2px solid var(--ink);font-family:Georgia,serif}table.data tbody tr:nth-child(2n){background:#b07d2b0d}.note{background:var(--accent-soft);border:1px solid #bcd4c6;border-radius:var(--radius);padding:16px 20px;margin:22px 0;font-size:.97rem}.warn-note{background:#fbf0da;border:1px solid #e5d3a8;border-radius:var(--radius);padding:16px 20px;margin:22px 0;font-size:.97rem}.formula{font-family:Georgia,serif;font-size:1.2rem;background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:18px 22px;margin:16px 0;overflow-x:auto;white-space:nowrap}.faq h3{margin-bottom:.25em}.content{max-width:52em}.content ul{padding-left:1.3em}.content li{margin-bottom:.45em}.site-footer{border-top:1px solid var(--line);margin-top:48px;padding:36px 0 44px;background:var(--paper-deep)}.sisters h2{font-size:1.25rem;margin-top:0}.sisters ul{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:8px 32px}@media(max-width:700px){.sisters ul{grid-template-columns:1fr}}.sisters a{color:var(--ink-soft);text-decoration:none;font-size:.95rem}.sisters a strong{color:var(--ink)}.sisters a:hover{text-decoration:underline}.disclaimer{margin-top:28px;font-size:.88rem;color:var(--ink-soft);max-width:62em}.pro-teaser{margin-top:16px;font-size:.92rem}.foot-links{margin-top:10px;font-size:.92rem}.copyright{font-size:.85rem;color:var(--ink-soft)}