:root{--emerald-900: #064e3b;--emerald-700: #047857;--emerald-600: #059669;--emerald-50: #ecfdf5;--gold: #b45309;--ink: #14201c;--ink-soft: #44544d;--paper: #fbfaf7;--card: #ffffff;--line: #e6e3da;--max: 1140px;--measure: 720px;--radius: 14px;--shadow: 0 1px 2px rgba(20, 32, 28, .04), 0 8px 28px rgba(20, 32, 28, .06);--serif: "Iowan Old Style", "Palatino Linotype", Palatino, "Georgia", serif;--sans: system-ui, -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;--link: var(--emerald-700);--link-hover: var(--emerald-900);--header-bg: rgba(251, 250, 247, .85);--tint: var(--emerald-50);--row-alt: #faf9f5;--th-bg: var(--emerald-700);--th-fg: #ffffff}[data-theme=dark]{--ink: #e8ece9;--ink-soft: #9db0a7;--paper: #0d1411;--card: #141d18;--line: #26322b;--emerald-700: #34d399;--emerald-600: #10b981;--emerald-50: #13241d;--gold: #fbbf24;--shadow: 0 1px 2px rgba(0, 0, 0, .3), 0 10px 30px rgba(0, 0, 0, .35);--link: #34d399;--link-hover: #6ee7b7;--header-bg: rgba(13, 20, 17, .85);--tint: #13241d;--row-alt: #18221d;--th-bg: #065f46;--th-fg: #eafaf2}html{color-scheme:light dark}*{box-sizing:border-box}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}body{margin:0;font-family:var(--sans);color:var(--ink);background:var(--paper);line-height:1.65;font-size:18px}img{max-width:100%;height:auto;display:block}a{color:var(--link);text-underline-offset:2px}a:hover{color:var(--link-hover)}.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}.site-header{border-bottom:1px solid var(--line);background:var(--header-bg);backdrop-filter:saturate(1.1) blur(8px);position:sticky;top:0;z-index:50}.site-header .bar{display:flex;align-items:center;gap:28px;height:68px}.brand{display:flex;align-items:center;gap:10px;font-weight:800;font-size:1.25rem;letter-spacing:-.02em;color:var(--ink);text-decoration:none}.brand .mark{width:30px;height:30px;border-radius:9px;background:linear-gradient(135deg,var(--emerald-600),var(--emerald-900));display:grid;place-items:center;color:#fff;font-weight:900;font-size:1rem}.brand .mark-img{width:auto;height:34px;display:block}[data-theme=dark] .brand .mark-img{height:30px;padding:4px 5px;background:#f5f2ea;border-radius:8px;box-sizing:content-box}.nav{display:flex;gap:20px;margin-left:auto;flex-wrap:wrap}.nav a{color:var(--ink-soft);text-decoration:none;font-size:.95rem;font-weight:600}.nav a:hover{color:var(--emerald-700)}.hero{padding:56px 0 28px}.hero h1{font-family:var(--serif);font-size:clamp(2rem,4vw,3rem);line-height:1.08;margin:0 0 12px;letter-spacing:-.02em}.hero p{color:var(--ink-soft);max-width:620px;font-size:1.15rem;margin:0}.eyebrow{color:var(--emerald-700);font-weight:700;text-transform:uppercase;letter-spacing:.08em;font-size:.78rem}.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(320px,1fr));gap:26px;padding:24px 0 64px}.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);transition:transform .15s ease,box-shadow .15s ease}.card:hover{transform:translateY(-3px);box-shadow:0 10px 34px #14201c1a}.card a{text-decoration:none;color:inherit;display:block;height:100%}.card .thumb{aspect-ratio:16/9;background:var(--tint);object-fit:cover;width:100%}.card .body{padding:18px 20px 22px}.card .cat{font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--gold)}.card h3{font-family:var(--serif);font-size:1.28rem;line-height:1.2;margin:8px 0;letter-spacing:-.01em}.card p{color:var(--ink-soft);font-size:.96rem;margin:0}.card .meta{margin-top:14px;font-size:.82rem;color:var(--ink-soft)}.article{padding:40px 0 72px}.article-head{max-width:var(--measure);margin:0 auto 26px}.article-head h1{font-family:var(--serif);font-size:clamp(2rem,3.6vw,2.8rem);line-height:1.12;letter-spacing:-.02em;margin:10px 0 16px}.article-meta{display:flex;align-items:center;gap:14px;color:var(--ink-soft);font-size:.92rem;flex-wrap:wrap}.article-meta .dot{width:4px;height:4px;border-radius:50%;background:var(--line)}.hero-img{max-width:var(--max);margin:0 auto 30px;border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow)}.layout{max-width:var(--max);margin:0 auto;display:grid;grid-template-columns:1fr;gap:40px}@media(min-width:1000px){.layout.with-toc{grid-template-columns:240px minmax(0,var(--measure));justify-content:center}}.toc{position:sticky;top:96px;align-self:start;font-size:.9rem}.toc strong{display:block;text-transform:uppercase;letter-spacing:.08em;font-size:.72rem;color:var(--ink-soft);margin-bottom:10px}.toc ol{list-style:none;margin:0;padding:0;border-left:2px solid var(--line)}.toc li a{display:block;padding:5px 0 5px 14px;margin-left:-2px;border-left:2px solid transparent;color:var(--ink-soft);text-decoration:none}.toc li a:hover{color:var(--emerald-700);border-left-color:var(--emerald-600)}.toc li.d3 a{padding-left:26px;font-size:.85rem}.prose{max-width:var(--measure)}.prose>*{margin:0 0 1.15em}.prose h2{font-family:var(--serif);font-size:1.7rem;line-height:1.2;margin:1.9em 0 .5em;letter-spacing:-.01em;scroll-margin-top:92px}.prose h3{font-size:1.28rem;margin:1.5em 0 .4em;scroll-margin-top:92px}.prose p,.prose li{font-size:1.08rem}.prose ul,.prose ol{padding-left:1.3em}.prose li{margin-bottom:.5em}.prose strong{color:var(--ink)}.prose hr{border:none;border-top:1px solid var(--line);margin:2.2em 0}.prose blockquote{border-left:3px solid var(--emerald-600);margin-left:0;padding:.2em 0 .2em 1.1em;color:var(--ink-soft);font-style:italic}.prose img,.prose figure{border-radius:var(--radius)}.prose figure{margin:1.6em 0}.prose a{font-weight:500}.prose table{width:100%;border-collapse:collapse;font-size:.98rem;margin:1.6em 0;box-shadow:var(--shadow);border-radius:10px;overflow:hidden}.prose thead th{background:var(--th-bg);color:var(--th-fg);text-align:left;padding:11px 14px;font-weight:600}.prose tbody td{padding:11px 14px;border-top:1px solid var(--line);vertical-align:top}.prose tbody tr:nth-child(2n){background:var(--row-alt)}.author-bio{max-width:var(--measure);margin:40px auto 0;display:flex;gap:16px;padding:22px;background:var(--tint);border-radius:var(--radius)}.author-bio .avatar{width:56px;height:56px;border-radius:50%;background:var(--emerald-700);color:#fff;display:grid;place-items:center;font-weight:800;font-size:1.3rem;flex:none}.author-bio .name{font-weight:700}.author-bio .role{color:var(--ink-soft);font-size:.9rem}.ad-slot{max-width:var(--measure);margin:2em auto;min-height:90px;border:1px dashed var(--line);border-radius:10px;display:grid;place-items:center;color:var(--ink-soft);font-size:.8rem;background:var(--card)}.related{max-width:var(--max);margin:60px auto 0;border-top:1px solid var(--line);padding-top:36px}.related h2{font-family:var(--serif);font-size:1.6rem;letter-spacing:-.01em;margin:0 0 22px}.related-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:22px}.related-card{display:block;text-decoration:none;color:inherit;background:var(--card);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);transition:transform .15s ease,box-shadow .15s ease}.related-card:hover{transform:translateY(-3px);box-shadow:0 10px 30px #14201c1a}.related-card img{aspect-ratio:16/9;object-fit:cover;width:100%;background:var(--tint)}.related-card>div{padding:14px 16px 18px}.related-card .cat{font-size:.7rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--gold)}.related-card h3{font-family:var(--serif);font-size:1.12rem;line-height:1.25;margin:6px 0 0}.site-footer{border-top:1px solid var(--line);background:var(--card);margin-top:40px}.theme-toggle{background:transparent;border:1px solid var(--line);color:var(--ink-soft);width:38px;height:38px;border-radius:9px;cursor:pointer;display:grid;place-items:center;font-size:1.05rem;line-height:1}.theme-toggle:hover{color:var(--emerald-700);border-color:var(--emerald-600)}.theme-toggle .sun{display:none}.theme-toggle .moon,[data-theme=dark] .theme-toggle .sun{display:block}[data-theme=dark] .theme-toggle .moon{display:none}[data-theme=dark] .card .thumb,[data-theme=dark] .hero-img img,[data-theme=dark] .prose img{filter:brightness(.92)}.site-footer .cols{display:flex;flex-wrap:wrap;gap:40px;padding:44px 0}.site-footer .disclaimer{color:var(--ink-soft);font-size:.82rem;border-top:1px solid var(--line);padding:18px 0}.site-footer a{color:var(--ink-soft);text-decoration:none;display:block;padding:3px 0;font-size:.92rem}.site-footer a:hover{color:var(--emerald-700)}.site-footer h4{font-size:.78rem;text-transform:uppercase;letter-spacing:.06em;color:var(--ink);margin:0 0 8px}.tools-grid{max-width:var(--max);margin:0 auto;display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:22px}.tool-card{display:block;background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:22px;text-decoration:none;color:var(--ink);box-shadow:var(--shadow);transition:transform .15s,border-color .15s}.tool-card:hover{transform:translateY(-2px);border-color:var(--emerald-600)}.tool-card .cat{color:var(--emerald-700);font-weight:700;text-transform:uppercase;letter-spacing:.08em;font-size:.72rem}.tool-card h2{font-family:var(--serif);font-size:1.3rem;line-height:1.2;margin:8px 0 6px;letter-spacing:-.01em}.tool-card p{color:var(--ink-soft);font-size:.96rem;margin:0 0 12px}.tool-card .tool-go{color:var(--emerald-700);font-weight:600;font-size:.92rem}.tool-widget{max-width:var(--max);margin:0 auto}.calc{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:clamp(18px,3vw,30px)}.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:clamp(20px,4vw,44px)}@media(max-width:720px){.calc-grid{grid-template-columns:1fr}}.calc-field{margin-bottom:18px}.calc-field>label{display:block;font-size:.9rem;font-weight:600;color:var(--ink);margin-bottom:6px}.calc-irow{display:flex;align-items:center;gap:6px}.calc-irow input[type=number]{flex:1;width:100%;padding:9px 11px;border:1px solid var(--line);border-radius:9px;background:var(--paper);color:var(--ink);font-size:1rem;font-variant-numeric:tabular-nums}.calc-affix{color:var(--ink-soft);font-size:.9rem;white-space:nowrap}.calc-chips{display:flex;flex-wrap:wrap;gap:8px}.calc-chip{padding:8px 14px;border:1px solid var(--line);border-radius:999px;background:var(--paper);color:var(--ink-soft);font-size:.95rem;font-family:inherit;cursor:pointer;transition:background .12s,color .12s,border-color .12s}.calc-chip:hover{border-color:var(--emerald-600);color:var(--ink)}.calc-chip.is-on{background:var(--emerald-700);border-color:var(--emerald-700);color:#fff;font-weight:500}.calc-chip:focus-visible{outline:2px solid var(--emerald-600);outline-offset:2px}.calc-field input[type=range]{width:100%;margin-top:9px;accent-color:var(--emerald-600)}.calc-out{display:flex;flex-direction:column;gap:12px}.calc-stat{background:var(--tint);border-radius:10px;padding:12px 14px;display:flex;flex-direction:column;gap:2px}.calc-stat span{font-size:.8rem;color:var(--ink-soft)}.calc-stat strong{font-size:1.15rem;font-variant-numeric:tabular-nums;color:var(--ink)}.calc-stat--big{background:linear-gradient(135deg,var(--emerald-700),var(--emerald-900))}.calc-stat--big span{color:#fffc}.calc-stat--big strong{color:#fff;font-size:1.7rem;font-family:var(--serif)}.calc-stats{display:grid;grid-template-columns:1fr 1fr;gap:12px}.calc-chart{width:100%;height:auto;margin-top:6px;display:block}.calc-area{fill:var(--emerald-600);opacity:.18}.calc-area2{fill:var(--gold);opacity:.32}.calc-line{fill:none;stroke:var(--emerald-600);stroke-width:2.5}.calc-line2{fill:none;stroke:var(--gold);stroke-width:2;stroke-dasharray:5 4}.calc-legend{font-size:.8rem;color:var(--ink-soft);display:flex;align-items:center;gap:6px;margin:4px 0 0}.calc-legend .k1,.calc-legend .k2{width:11px;height:11px;border-radius:3px;display:inline-block}.calc-legend .k1{background:var(--emerald-600)}.calc-legend .k2{background:var(--gold);margin-left:10px}.calc-h{font-family:var(--serif);font-size:1.05rem;margin:4px 0 0}.calc-note{font-size:.92rem;color:var(--ink-soft);background:var(--tint);padding:10px 12px;border-radius:9px;margin:4px 0 0}.calc-sub{font-size:.86rem;color:var(--ink-soft);margin:2px 0 0;line-height:1.4}.calc-note--win{color:var(--ink);background:var(--tint);border-left:4px solid var(--gold);font-size:1.02rem;font-weight:500}.calc-note--win strong{color:var(--gold);font-size:1.1rem}.calc-debts{display:flex;flex-direction:column;gap:10px}.calc-debt{display:grid;grid-template-columns:1fr 1fr 1fr auto;gap:6px;align-items:center}.calc-debt .calc-affix{display:flex;flex-direction:column;font-size:.7rem;gap:2px}.calc-debt input{width:100%;padding:7px 8px;border:1px solid var(--line);border-radius:7px;background:var(--paper);color:var(--ink);font-size:.9rem}.calc-del{background:transparent;border:1px solid var(--line);border-radius:7px;color:var(--ink-soft);cursor:pointer;width:30px;height:30px;align-self:end}.calc-add{background:var(--tint);border:1px dashed var(--emerald-600);color:var(--emerald-700);border-radius:9px;padding:8px;cursor:pointer;font-weight:600;font-size:.9rem}.tool-faq{margin-top:10px}.tool-faq h3{font-size:1.1rem}