:root{--blue:#1a33ff;--aqua:#00cfc0;--coral:#ff6247;--ink:#0a0b0d;--muted:#596171;--cloud:#f5f7fa;--line:#dfe4ee;--white:#fff;--gold:#8a5a00}
*{box-sizing:border-box}body{margin:0;font-family:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:linear-gradient(145deg,#f7f9ff 0,#fff 48%,#effffc 100%);font-size:16px;line-height:1.55}a{color:inherit}.wrap{width:min(1080px,calc(100% - 40px));margin:auto}.nav{height:78px;display:flex;align-items:center;justify-content:space-between}.brand{font-weight:900;line-height:.88;letter-spacing:-.03em;text-decoration:none}.brand span{color:var(--blue)}.navlinks{display:flex;align-items:center;gap:18px}.navlinks a{font-weight:800;text-decoration:none}.home{border:1px solid var(--line);padding:10px 16px;border-radius:999px;background:white}.crumbs{font-size:.84rem;color:var(--muted);padding:5px 0 20px}.crumbs a{text-underline-offset:3px}.tool-shell{display:grid;grid-template-columns:.78fr 1.22fr;gap:28px;align-items:start;padding-bottom:50px}.intro{padding:35px 8px 20px 0}.eyebrow{color:var(--blue);font-size:.8rem;font-weight:900;letter-spacing:.13em;text-transform:uppercase}.intro h1{font-size:clamp(2.7rem,5vw,5rem);line-height:.92;letter-spacing:-.06em;margin:18px 0 24px}.intro p{font-size:1.08rem;color:var(--muted);max-width:500px}.tool-points{display:flex;flex-wrap:wrap;gap:8px;margin-top:20px}.tool-points span{padding:7px 10px;border:1px solid var(--line);border-radius:999px;background:white;color:#3d4554;font-size:.76rem;font-weight:850}.privacy{display:flex;gap:9px;align-items:flex-start;margin-top:18px;padding:14px;border:1px solid #bcebe7;border-radius:14px;background:#edfffc;color:#164d49;font-size:.9rem}.privacy b{color:#087f79}.calculator{position:relative;overflow:hidden;background:white;border:1px solid var(--line);border-radius:28px;padding:36px 30px 30px;box-shadow:0 24px 70px rgba(26,51,255,.12)}.calculator:before{content:"";position:absolute;left:0;right:0;top:0;height:7px;background:linear-gradient(90deg,var(--blue) 0 42%,var(--aqua) 42% 76%,var(--coral) 76%)}.calculator h2{margin:0 0 5px;font-size:1.55rem}.calculator>.hint{margin:0 0 22px;color:var(--muted)}.field-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}.field{display:block}.field.full{grid-column:1/-1}.field span,.legend{display:block;margin-bottom:7px;font-size:.88rem;font-weight:850}.field input,.field select{width:100%;min-height:52px;border:1px solid #cdd3df;border-radius:13px;background:white;padding:12px 14px;color:var(--ink);font:inherit}.field input:focus,.field select:focus{outline:3px solid rgba(26,51,255,.17);border-color:var(--blue)}.income-row{display:grid;grid-template-columns:1fr 145px;gap:10px}.calculate{width:100%;min-height:54px;margin-top:20px;border:0;border-radius:14px;background:var(--blue);color:white;font:inherit;font-weight:900;cursor:pointer}.calculate:hover{background:#1028e6}.calculate:focus-visible{outline:3px solid var(--coral);outline-offset:3px}.error{display:none;margin:15px 0 0;padding:12px;border-radius:12px;background:#fff0ec;color:#8f2e20;font-weight:750}.result{display:none;margin-top:22px;border-radius:22px;background:var(--ink);color:white;padding:25px}.result.show,.error.show{display:block}.result-top{display:flex;align-items:center;justify-content:space-between;gap:18px}.result small{color:#b9c1ce;font-weight:850;letter-spacing:.08em}.result strong{display:block;font-size:clamp(2.4rem,5vw,4rem);line-height:1;margin-top:7px}.result .band{padding:8px 11px;border-radius:999px;background:var(--aqua);color:#061815;font-size:.8rem;font-weight:900;text-align:center}.result p{color:#d4d9e4}.numbers{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:18px 0}.number{border:1px solid #343842;border-radius:13px;padding:13px}.number span{display:block;color:#aeb5c2;font-size:.77rem}.number b{font-size:1.08rem}.next{display:inline-block;margin-top:4px;padding:12px 15px;border-radius:999px;background:white;color:var(--blue);font-weight:900;text-decoration:none}.explain{background:white;border-top:1px solid var(--line);padding:72px 0}.content{max-width:820px}.content h2{font-size:clamp(2rem,4vw,3.3rem);line-height:1;letter-spacing:-.045em;margin:50px 0 16px}.content h2:first-child{margin-top:0}.content p,.content li{color:#343b48}.content li{margin:9px 0}.plain-answer{padding:30px 32px;border-radius:24px;background:linear-gradient(135deg,#eef1ff,#effffc)}.plain-answer h2{margin:11px 0 13px}.plain-answer p{margin:0;font-size:1.08rem}.process-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:22px 0 58px}.process-grid div{padding:19px;border:1px solid var(--line);border-radius:17px}.process-grid b{display:grid;place-items:center;width:30px;height:30px;margin-bottom:14px;border-radius:9px;background:var(--blue);color:white}.process-grid div:nth-child(2) b{background:#087f79}.process-grid div:nth-child(3) b{background:var(--coral)}.process-grid strong,.process-grid span{display:block}.process-grid span{margin-top:4px;color:var(--muted);font-size:.88rem}.notice{border-left:5px solid var(--coral);padding:16px 18px;background:#fff4f1;border-radius:0 14px 14px 0}.faq{margin-top:62px}.faq h2{margin-top:11px}.faq details{border-top:1px solid var(--line)}.faq details:last-of-type{border-bottom:1px solid var(--line)}.faq summary{position:relative;padding:18px 42px 18px 0;font-weight:850;cursor:pointer;list-style:none}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"+";position:absolute;right:4px;top:12px;color:var(--blue);font-size:1.6rem;font-weight:700}.faq details[open] summary:after{content:"−"}.faq details p{margin:0 0 19px;max-width:720px}.sources a{color:var(--blue)}.footer{border-top:1px solid var(--line);background:white;padding:40px 0 58px;color:var(--muted);font-size:.8rem}.footer a{margin-right:16px}.footer p{max-width:850px}
@media(max-width:820px){.wrap{width:min(100% - 24px,680px)}.nav{height:68px}.navlinks a:not(.home){display:none}.tool-shell{grid-template-columns:1fr}.intro{padding:24px 0 0}.intro h1{font-size:3.2rem}.calculator{padding:30px 24px 24px}.field-grid{grid-template-columns:1fr}.field.full{grid-column:auto}.explain{padding:56px 0}.process-grid{grid-template-columns:1fr;margin-bottom:48px}}
@media(max-width:520px){.intro h1{font-size:2.65rem}.income-row{grid-template-columns:1fr}.result-top{display:block}.result .band{display:inline-block;margin-top:15px}.numbers{grid-template-columns:1fr}.plain-answer{padding:24px 22px}.tool-points span{font-size:.72rem}}