:root{color-scheme:light;--ink:#12384e;--blue:#075f91;--sky:#1486d4;--orange:#e96b22;--gold:#f2bd00;--line:#d8e5eb;--muted:#506a79;--paper:#fff;--wash:#f3f8fa;--radius:24px;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:var(--paper);font-synthesis:none}*{box-sizing:border-box}body{margin:0}button,input,select{font:inherit}a{color:var(--blue)}button,a,input,select,summary{-webkit-tap-highlight-color:transparent}button:focus-visible,a:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid var(--orange);outline-offset:4px}button{cursor:pointer}button:disabled{cursor:wait}[hidden]{display:none!important}.topbar,main,footer{width:min(1240px,calc(100% - 64px));margin-inline:auto}.topbar{display:flex;justify-content:space-between;align-items:center;min-height:94px;border-bottom:1px solid var(--line)}.brand{display:flex;gap:10px;align-items:center;font-weight:800;letter-spacing:.07em;text-decoration:none;font-size:21px;color:var(--ink)}.brand span{width:17px;height:17px;border-radius:50%;background:var(--orange)}.topbar nav{display:flex;gap:5px}.topbar nav a{padding:12px 13px;min-width:44px;text-align:center;border-radius:99px;text-decoration:none;font-size:13px;font-weight:700;letter-spacing:.05em}.topbar nav a[aria-current]{background:var(--ink);color:white}.hero{display:grid;grid-template-columns:minmax(0,1fr) 320px;align-items:center;gap:45px;padding:70px 0 48px;overflow:hidden}.eyebrow{font-size:11px;font-weight:800;letter-spacing:.15em;line-height:1.5;color:var(--blue);margin:0 0 17px}.subtitle{font-size:17px;font-weight:600;margin:0 0 15px}h1,h2,h3,p{overflow-wrap:break-word}h1{font-family:Georgia,'Times New Roman',serif;font-size:clamp(46px,5.6vw,77px);font-weight:400;line-height:1.04;letter-spacing:-.045em;margin:0 0 24px;max-width:780px}.lead{font-size:18px;line-height:1.65;color:var(--muted);max-width:740px;margin:0}.year{font-size:12px;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);margin:20px 0 0}.hero-art{position:relative;height:280px;isolation:isolate}.art-orbit{position:absolute;inset:0;border:1px solid #bbd8e5;border-radius:50%;transform:rotate(-20deg)}.art-orbit:after{content:'';position:absolute;inset:24px -18px;border:1px solid #ecd891;border-radius:50%;transform:rotate(40deg)}.art-card{position:absolute;width:170px;height:205px;border-radius:18px;box-shadow:0 18px 35px #12384e20;padding:25px 24px}.art-card span{display:block;font-family:Georgia,serif;font-size:68px;line-height:1;margin-bottom:22px}.art-card i{display:block;height:4px;border-radius:2px;width:100%;background:currentColor;margin:10px 0;opacity:.4}.art-card i:last-child{width:65%}.art-card-a{left:12px;top:23px;background:var(--blue);color:white;transform:rotate(-12deg)}.art-card-b{right:3px;top:61px;background:#ffd866;color:var(--ink);transform:rotate(10deg)}.art-dot{position:absolute;width:25px;height:25px;background:var(--orange);border:5px solid white;bottom:4px;left:52px;border-radius:50%}.privacy-note{background:var(--wash);border:1px solid var(--line);border-radius:16px;padding:18px 23px;display:flex;gap:16px;align-items:center;margin-bottom:44px}.privacy-note>span{font-size:27px;color:var(--blue)}.privacy-note strong{font-size:14px}.privacy-note p{font-size:13px;color:var(--muted);line-height:1.5;margin:4px 0 0}.workspace{display:grid;grid-template-columns:minmax(0,.86fr) minmax(0,1.14fr);gap:30px;align-items:start}.input-panel{border:1px solid var(--line);border-radius:var(--radius);padding:30px;background:white}.section-heading h2{font-family:Georgia,'Times New Roman',serif;font-size:31px;font-weight:400;letter-spacing:-.02em;line-height:1.15;margin:0 0 13px}.section-heading>.eyebrow{margin-bottom:12px;color:var(--orange)}.section-heading>p:last-child{font-size:14px;color:var(--muted);line-height:1.65;margin:0 0 26px}fieldset{border:0;border-top:1px solid var(--line);padding:25px 0 10px;margin:0 0 14px;min-width:0}legend{float:left;width:100%;display:flex;align-items:center;gap:10px;font-size:14px;font-weight:700;line-height:1.45;margin-bottom:23px;padding:0}legend+*{clear:both}legend span{display:inline-grid;place-items:center;width:26px;height:26px;flex:0 0 26px;background:var(--wash);color:var(--blue);border-radius:50%;font-size:12px}.field{margin:0 0 23px;min-width:0}.field label{display:block;font-size:14px;font-weight:600;line-height:1.5;margin:0 0 8px}.input-unit{position:relative}.input-unit input,select{width:100%;height:49px;border:1px solid #aabfca;border-radius:9px;background:#fff;color:var(--ink);padding:10px 14px;transition:border-color .15s}.input-unit input{padding-right:36px;font-variant-numeric:tabular-nums}.input-unit>span{position:absolute;right:15px;top:50%;transform:translateY(-50%);color:var(--muted);font-size:13px;pointer-events:none}select{padding-right:27px}.input-unit input:hover,select:hover{border-color:var(--blue)}.hint{font-size:12px;line-height:1.65;color:var(--muted);margin:8px 0 0}.history-intro{margin-bottom:20px}.history-grid{display:grid;grid-template-columns:1fr 1fr;gap:0 15px}.history-grid .field{margin-bottom:12px}.form-actions{display:flex;flex-direction:column;gap:14px;align-items:center}.primary-button{display:flex;align-items:center;justify-content:space-between;gap:15px;background:var(--blue);color:#fff;border:0;border-radius:10px;min-height:55px;padding:15px 20px;font-size:15px;font-weight:700;width:100%;line-height:1.5;text-align:left}.primary-button:hover{background:#084b70}.primary-button span{font-size:22px}.text-button{background:none;border:0;border-bottom:1px solid transparent;padding:12px 5px;color:var(--blue);font-size:13px;min-height:44px}.text-button:hover{border-bottom-color:var(--blue)}.result-panel{border-radius:var(--radius);background:var(--wash);padding:30px;scroll-margin-top:24px}.result-panel:focus{outline:none}.result-empty{min-height:290px;border:1px dashed #c4d6df;border-radius:18px;background:#ffffff90;padding:45px 25px;text-align:center;display:flex;flex-direction:column;justify-content:center;align-items:center}.result-empty>span{font-family:Georgia,serif;font-size:45px;color:#96b3c2;width:75px;height:75px;border:1px solid #d6e4eb;border-radius:50%;display:grid;place-items:center;margin-bottom:20px}.result-empty h3{font-size:18px;margin:0 0 12px;font-weight:500}.result-empty p{font-size:14px;color:var(--muted);line-height:1.6;margin:0;max-width:300px}.scenario-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:20px 0 14px}.scenario{padding:21px 18px 19px;border-radius:16px;background:white;min-width:0;border:1px solid var(--line)}.scenario-b{border-color:#b7d3e2;background:var(--blue);color:#fff}.scenario-label{font-size:12px;line-height:1.5;font-weight:700;margin:0 0 28px;min-height:36px}.net-label{font-size:11px;margin:0 0 7px;text-transform:uppercase;letter-spacing:.06em}.net-amount{font-size:clamp(22px,2.2vw,30px);letter-spacing:-.045em;line-height:1.2;margin:0;font-weight:700;font-variant-numeric:tabular-nums;overflow-wrap:anywhere}.net-amount.is-blocked{font-size:20px;letter-spacing:-.02em}.effective-rate{font-size:11px;line-height:1.6;margin:14px 0 0;opacity:.85}.gain-strip{padding:21px 20px;border-radius:14px;background:#ffe59b;color:#3d3518;margin:0 0 22px;display:flex;flex-wrap:wrap;justify-content:space-between;gap:7px 15px;align-items:baseline}.gain-strip>span:first-child{font-size:13px;font-weight:700}.gain-strip strong{font-size:27px;letter-spacing:-.025em;font-variant-numeric:tabular-nums}.gain-strip>span:last-child{font-size:12px;flex-basis:100%}.notice{padding:13px 15px;border-radius:10px;background:#e6f0f5;border-left:3px solid var(--sky);font-size:12px;line-height:1.6;margin:0 0 15px}.notice.warning{background:#fff2d1;border-color:#d28e00;color:#56421a}.notice.small{background:#ffffffa6;border-left-color:#a7c3d1}.table-wrap{width:100%;margin-top:24px}table{width:100%;border-collapse:collapse;table-layout:fixed;font-size:12px;line-height:1.5}caption{text-align:left;font-size:17px;font-family:Georgia,serif;padding-bottom:20px;color:var(--ink)}th,td{padding:11px 6px;border-bottom:1px solid #d8e5eb;vertical-align:top}thead th{color:var(--muted);font-size:11px}th:first-child{width:49%;padding-left:0;text-align:left}tbody th{font-weight:400}td,thead th:not(:first-child){text-align:right;font-variant-numeric:tabular-nums;overflow-wrap:anywhere}tr.total th,tr.total td{font-weight:700;border-top:1px solid #afc8d5;color:var(--blue)}.print-button{margin-top:14px}.disclaimer{font-size:12px;line-height:1.7;color:var(--muted);margin:25px 0 0}.assumptions{display:grid;grid-template-columns:1fr 2fr;gap:60px;padding:65px 0;border-bottom:1px solid var(--line)}.assumptions h2,.book-strip h2{font-family:Georgia,serif;font-weight:400;font-size:31px;line-height:1.2;margin:0}.assumptions ul{padding-left:18px;margin:0}.assumptions li{font-size:13px;line-height:1.75;color:var(--muted);padding-left:5px;margin-bottom:11px}.assumptions details{margin-top:25px;border-top:1px solid var(--line);padding-top:19px}.assumptions summary{font-size:14px;font-weight:600;cursor:pointer;line-height:1.6}.assumptions details p{font-size:13px;color:var(--muted);line-height:1.8}.book-strip{margin:36px 0 0;display:flex;gap:40px;justify-content:space-between;align-items:center;padding:32px;background:#fff8e8;border-radius:20px}.book-strip h2{font-size:27px}.book-strip p:not(.eyebrow){font-size:14px;line-height:1.65;max-width:660px;color:var(--muted);margin:12px 0 0}.book-links{min-width:190px;display:flex;flex-direction:column;gap:10px}.book-links a{font-size:13px;line-height:1.5;padding:9px 0;text-underline-offset:5px}footer{display:flex;justify-content:space-between;gap:20px;padding:30px 0 35px;font-size:12px;color:var(--muted)}footer a{text-decoration:none}.sr-only,.skip-link:not(:focus){position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.skip-link:focus{position:fixed;z-index:10;top:10px;left:10px;background:white;padding:14px}.input-panel:target{scroll-margin-top:20px}
.conventions-title{font-size:15px;margin:25px 0 12px}.conventions-copy{font-size:13px;line-height:1.75;color:var(--muted)}.workbook-download{display:inline-block;font-size:14px;font-weight:600;padding:14px 0;text-underline-offset:5px}.lexi-help{position:fixed;bottom:18px;right:20px;z-index:5;width:300px;display:grid;grid-template-columns:54px 1fr;gap:0 12px;align-items:center;background:#fff;box-shadow:0 5px 30px #12384e24;border:1px solid var(--line);border-radius:17px;padding:13px 16px}.lexi-help img{width:54px;height:54px;object-fit:contain}.lexi-help h2{font-size:13px;margin:0 0 3px}.lexi-help button{font-size:11px;color:var(--blue);text-decoration:underline;text-underline-offset:3px;background:none;border:0;padding:8px 0;min-height:34px;text-align:left}.lexi-help p{grid-column:1/-1;font-size:12px;line-height:1.65;color:var(--muted);margin:10px 0 0;padding-top:10px;border-top:1px solid var(--line)}
@media(max-width:1000px){.hero{grid-template-columns:1fr 230px;gap:20px}.hero-art{transform:scale(.78);transform-origin:center right}.workspace{gap:20px;grid-template-columns:1fr 1.08fr}.input-panel,.result-panel{padding:23px}.scenario{padding:17px 13px}.scenario-grid{gap:8px}.net-amount{font-size:24px}.assumptions{gap:35px}}
@media(max-width:780px){.topbar,main,footer{width:calc(100% - 36px)}.topbar{min-height:78px}.hero{grid-template-columns:1fr;padding:43px 0 32px}.hero-art{display:none}.hero h1{font-size:52px}.lead{font-size:17px}.privacy-note{margin-bottom:25px;padding:16px}.workspace{grid-template-columns:1fr}.input-panel,.result-panel{padding:25px 22px}.result-panel{scroll-margin-top:15px}.scenario-grid{gap:12px}.scenario{padding:22px 18px}.net-amount{font-size:29px}.assumptions{grid-template-columns:1fr;gap:22px;padding:43px 0}.book-strip{padding:25px;display:block}.book-links{margin-top:20px}.book-links a{font-size:14px}h1{letter-spacing:-.045em}}
@media(max-width:390px){.brand{font-size:17px;gap:6px}.brand span{width:13px;height:13px}.topbar nav a{padding:12px 8px;min-width:39px}.hero h1{font-size:45px}.input-panel,.result-panel{padding:22px 17px}.scenario{padding:18px 12px}.scenario-label{font-size:11px}.net-amount{font-size:24px}table{font-size:11px}th,td{padding-inline:4px}th:first-child{width:47%}}
@media(prefers-reduced-motion:reduce){*,*::before,*::after{scroll-behavior:auto!important;transition:none!important;animation:none!important}}
@media(max-width:780px){.lexi-help{position:static;width:auto;margin-top:25px;box-shadow:none}.lexi-help button{min-height:44px}}
@media print{.lexi-help{display:none!important}}
@media print{.topbar nav,.hero-art,.privacy-note,.form-actions,.print-button,.book-strip,footer a,.skip-link{display:none!important}.topbar,main,footer{width:100%}.topbar{min-height:50px}.hero{padding:25px 0;display:block}.hero h1{font-size:35px}.hero .lead{font-size:12px}.workspace{display:block}.input-panel{border:0;padding:0;margin:0 0 20px}.input-panel .section-heading,.input-panel .hint,.input-panel legend{display:none}.input-panel form{display:grid;grid-template-columns:1fr 1fr;gap:15px}.input-panel fieldset{padding:0;margin:0;border:0}.input-panel .field{margin-bottom:7px}.input-panel .field label{font-size:10px;margin-bottom:3px}.input-unit input,select{height:30px;font-size:11px}.history-grid{gap:0 8px}.result-panel{position:static;padding:20px;border:1px solid var(--line);background:#fff}.scenario-grid{grid-template-columns:1fr 1fr}.scenario-b{background:#fff;color:var(--ink);border:2px solid var(--blue)}.scenario,.notice,.gain-strip,tr{break-inside:avoid}.assumptions{padding:25px 0;display:block}.assumptions h2{font-size:20px;margin-bottom:15px}.assumptions li{font-size:10px}.assumptions details{display:block}.assumptions details p{display:block;font-size:10px}.book-strip{display:none}.section-heading h2{font-size:25px}.section-heading>p:last-child{font-size:11px}.result-empty{min-height:100px}.gain-strip{background:#fff7dd}table{font-size:10px}th,td{padding-block:7px}}