@custom-variant dark (&:where(.dark, .dark *));:root{color-scheme:light;--font-geist-sans:"Helvetica Neue","Segoe UI",Helvetica,Arial,sans-serif;--font-geist-mono:"SFMono-Regular",Consolas,"Liberation Mono",monospace;--accent:#5b5ce2;--accent-strong:#4344c4;--accent-foreground:#ffffff;--panel:#292a64;--panel-ink:#f7f7ff;--panel-accent:#a7a8ff;--paper:#f3f4f7;--paper-soft:#e9ebf1;--surface:#fbfbfd;--surface-raised:#ffffff;--ink:#171920;--ink-soft:#3d414c;--muted:#707681;--line:#d3d6de;--line-strong:#1c1f27;--warning:#e8654d;--shadow:rgba(25,28,39,0.12)}.dark{color-scheme:dark;--accent:#8587ff;--accent-strong:#aaabff;--accent-foreground:#101118;--panel:#24264f;--panel-ink:#f7f7ff;--panel-accent:#b4b5ff;--paper:#111218;--paper-soft:#181a23;--surface:#1b1d26;--surface-raised:#222530;--ink:#f4f4f7;--ink-soft:#d2d4dd;--muted:#989daa;--line:#383c48;--line-strong:#f1f2f5;--warning:#ff846d;--shadow:rgba(0,0,0,0.32)}@theme inline{--font-sans:var(--font-geist-sans);--font-mono:var(--font-geist-mono);--color-accent:var(--accent);--color-accent-foreground:var(--accent-foreground)}html{scroll-behavior:smooth}body.site-body{min-width:320px;background-color:var(--paper);color:var(--ink)}body.site-body:before{position:fixed;inset:0 0 auto;z-index:60;height:3px;background:linear-gradient(90deg,var(--accent),#9698ff 55%,var(--warning));content:""}::selection{background:var(--accent);color:var(--accent-foreground)}a,button,input,summary,textarea{-webkit-tap-highlight-color:transparent}.site-main{width:100%;max-width:1180px;margin-inline:auto;padding:2.25rem 1.5rem 5rem}.site-header{position:sticky;top:0;z-index:40;border-bottom:1px solid color-mix(in srgb,var(--ink) 22%,transparent);background:color-mix(in srgb,var(--paper) 90%,transparent);-webkit-backdrop-filter:blur(18px);backdrop-filter:blur(18px)}.site-header-inner{display:flex;width:100%;max-width:1180px;min-height:74px;margin-inline:auto;align-items:center;justify-content:space-between;gap:1rem;padding:.65rem 1.5rem}.brand-lockup{display:inline-flex;align-items:center;gap:.8rem;color:var(--ink);text-decoration:none}.brand-mark{position:relative;display:grid;width:42px;height:42px;place-items:center;border:2px solid var(--line-strong);border-radius:2px;background:var(--accent);box-shadow:4px 4px 0 var(--line-strong);color:var(--accent-foreground);font-family:var(--font-geist-mono),monospace;font-size:.82rem;font-weight:800;letter-spacing:-.05em;transition:transform .16s ease,box-shadow .16s ease}.brand-mark svg{width:24px;height:24px;stroke-width:1.8}.brand-lockup:hover .brand-mark{transform:translate(-1px,-1px);box-shadow:6px 6px 0 var(--line-strong)}.brand-copy{display:grid;gap:.05rem;line-height:1.05}.brand-copy strong{font-size:.97rem;letter-spacing:-.025em}.brand-copy small{color:var(--muted);font-family:var(--font-geist-mono),monospace;font-size:.58rem;letter-spacing:.075em;text-transform:uppercase}.header-actions{gap:.55rem}.header-actions,.header-nav{display:flex;align-items:center}.header-nav{gap:.2rem;border:1px solid var(--line);border-radius:3px;background:var(--surface);padding:.2rem}.mobile-nav{display:none}.mobile-nav>summary{list-style:none}.mobile-nav>summary::-webkit-details-marker{display:none}.mobile-nav-trigger{display:grid;width:42px;height:42px;place-items:center;border:1px solid var(--line);border-radius:2px;background:var(--surface);color:var(--ink-soft);cursor:pointer}.mobile-nav-trigger svg{width:21px;height:21px}.mobile-nav[open] .mobile-nav-trigger{border-color:var(--line-strong);background:var(--panel);color:var(--panel-ink)}.mobile-nav-panel{position:fixed;top:66px;right:1rem;left:1rem;z-index:80;display:grid;max-height:calc(100dvh - 82px);overflow-y:auto;overscroll-behavior:contain;border:1.5px solid var(--line-strong);border-radius:2px;background:var(--surface-raised);box-shadow:7px 7px 0 var(--accent);padding:.7rem}.mobile-nav-heading{display:grid;gap:.2rem;border-bottom:2px solid var(--line-strong);padding:.45rem .5rem .8rem}.mobile-nav-heading strong{font-size:1rem}.mobile-nav-heading small{color:var(--muted);font-size:.68rem}.mobile-nav-group{border-bottom:1px solid var(--line);padding:.8rem .5rem}.mobile-nav-group:last-child{border-bottom:0}.mobile-nav-group>p{display:flex;align-items:center;gap:.55rem;color:var(--muted);font-family:var(--font-geist-mono),monospace;font-size:.64rem;font-weight:750;letter-spacing:.045em;text-transform:uppercase}.mobile-nav-group>p span{color:var(--accent-strong)}.mobile-nav-group>div{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.35rem;margin-top:.55rem}.mobile-nav-group a{display:grid;min-height:48px;align-content:center;gap:.12rem;border:1px solid var(--line);border-radius:2px;padding:.55rem .6rem;color:var(--ink);text-decoration:none}.mobile-nav-group a[aria-current=page]{border-color:var(--line-strong);background:var(--accent);color:var(--accent-foreground)}.mobile-nav-group a span{font-size:.74rem;font-weight:700;line-height:1.2}.mobile-nav-group a small{color:var(--muted);font-family:var(--font-geist-mono),monospace;font-size:.56rem;text-transform:uppercase}.mobile-nav-group a[aria-current=page] small{color:color-mix(in srgb,var(--accent-foreground) 76%,transparent)}.nav-group{position:relative}.nav-group>summary{list-style:none}.nav-group>summary::-webkit-details-marker{display:none}.nav-group-trigger{display:flex;min-height:34px;align-items:center;gap:.35rem;border-radius:2px;padding:.45rem .58rem;color:var(--muted);font-family:var(--font-geist-mono),monospace;font-size:.62rem;font-weight:700;letter-spacing:.035em;cursor:pointer;text-transform:uppercase}.nav-group-trigger:hover,.nav-group-trigger[data-active=true],.nav-group[open] .nav-group-trigger{background:var(--panel);color:var(--panel-ink)}.nav-group-trigger svg{flex:0 0 1rem;width:1rem;height:1rem;transition:transform .15s ease}.nav-group[open] .nav-group-trigger svg{transform:rotate(180deg)}.nav-dropdown{top:calc(100% + .7rem);right:0;z-index:80;display:grid;width:min(330px,calc(100vw - 2rem));border:1.5px solid var(--line-strong);border-radius:2px;box-shadow:8px 8px 0 var(--accent);padding:.55rem}.nav-dropdown,.nav-dropdown:before{position:absolute;background:var(--surface-raised)}.nav-dropdown:before{top:-.7rem;right:1rem;width:1.1rem;height:1.1rem;border-top:1.5px solid var(--line-strong);border-left:1.5px solid var(--line-strong);content:"";transform:rotate(45deg)}.nav-dropdown>p{padding:.55rem .65rem .75rem;color:var(--muted);font-size:.68rem;line-height:1.45}.nav-dropdown-link,.nav-dropdown>p{position:relative;z-index:1;border-bottom:1px solid var(--line)}.nav-dropdown-link{display:grid;gap:.18rem;padding:.65rem;color:var(--ink);text-decoration:none}.nav-dropdown-link:last-child{border-bottom:0}.nav-dropdown-link:hover,.nav-dropdown-link[aria-current=page]{background:var(--paper-soft)}.nav-dropdown-link span{font-family:var(--font-geist-mono),monospace;font-size:.67rem;font-weight:760;letter-spacing:.045em;text-transform:uppercase}.nav-dropdown-link small{color:var(--muted);font-size:.7rem}.nav-link{position:relative;border-radius:2px;padding:.52rem .72rem;color:var(--muted);font-family:var(--font-geist-mono),monospace;font-size:.69rem;font-weight:650;letter-spacing:.045em;text-decoration:none;text-transform:uppercase;transition:background .14s ease,color .14s ease}.nav-link:hover{background:var(--paper-soft);color:var(--ink)}.nav-link[aria-current=page]{background:var(--panel);color:var(--panel-ink)}.nav-link[aria-current=page]:after{position:absolute;right:.35rem;bottom:.25rem;width:4px;height:4px;border-radius:50%;background:var(--accent);content:""}.theme-toggle{display:grid;flex:0 0 38px;width:38px;height:38px;place-items:center;border:1px solid var(--line);border-radius:2px;background:var(--surface);padding:0;color:var(--ink-soft);line-height:0;cursor:pointer;transition:border-color .14s ease,background .14s ease,color .14s ease}.theme-toggle-icon{grid-area:1/1;display:block;width:20px;height:20px;flex:0 0 20px}.dark .theme-toggle-light,.theme-toggle-dark{display:none}.dark .theme-toggle-dark{display:block}.theme-toggle:hover{border-color:var(--line-strong);background:var(--accent);color:var(--accent-foreground)}.back-link:focus-visible,.brand-lockup:focus-visible,.button-primary:focus-visible,.button-secondary:focus-visible,.calculator-tile:focus-visible,.mobile-nav-group a:focus-visible,.mobile-nav-trigger:focus-visible,.nav-link:focus-visible,.source-link:focus-visible,.theme-toggle:focus-visible{outline:3px solid var(--accent);outline-offset:3px}.home-page{display:grid;gap:0}.home-hero{position:relative;display:grid;min-height:620px;grid-template-columns:minmax(0,1.06fr) minmax(360px,.94fr);align-items:center;gap:clamp(3rem,8vw,7rem);padding:3.5rem 0 5.5rem;border-bottom:2px solid var(--line-strong)}.home-hero:after{position:absolute;right:0;bottom:-2px;width:min(37vw,420px);height:8px;background:var(--accent);content:""}.hero-copy{position:relative;z-index:1}.calculator-kicker,.card-kicker,.hero-kicker,.section-kicker{display:inline-flex;align-items:center;gap:.6rem;color:var(--ink-soft);font-family:var(--font-geist-mono),monospace;font-size:.66rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase}.calculator-kicker:before,.card-kicker:before,.hero-kicker:before,.section-kicker:before{width:1.8rem;height:2px;background:var(--accent-strong);content:""}.year-chip{display:inline-flex;align-items:center;margin-top:1.4rem;border:1px solid var(--line-strong);border-radius:2px;background:var(--surface);box-shadow:3px 3px 0 var(--line-strong);color:var(--ink-soft);font-family:var(--font-geist-mono),monospace;font-size:.68rem;font-weight:650;letter-spacing:.04em;text-transform:uppercase}.year-chip strong{align-self:stretch;padding:.45rem .58rem;background:var(--accent);color:var(--accent-foreground)}.year-chip span{padding:.45rem .7rem}.hero-title{max-width:800px;margin-top:2rem;font-size:clamp(3.65rem,7.3vw,6.75rem);font-weight:720;letter-spacing:-.085em;line-height:.86;text-wrap:balance}.hero-title .accent-word{display:table;margin-top:.11em;padding:.01em .11em .09em .06em;background:var(--accent);box-shadow:.07em .07em 0 var(--line-strong);color:var(--accent-foreground);transform:rotate(-.8deg)}.hero-intro{max-width:37rem;margin-top:2rem;color:var(--ink-soft);font-size:1.08rem;line-height:1.7;text-wrap:pretty}.hero-highlights{display:grid;max-width:38rem;grid-template-columns:repeat(2,minmax(0,1fr));margin-top:2rem;border-top:1px solid var(--line);border-left:1px solid var(--line);list-style:none}.hero-highlights li{display:flex;min-height:52px;align-items:center;gap:.62rem;border-right:1px solid var(--line);border-bottom:1px solid var(--line);padding:.7rem .8rem;color:var(--ink-soft);font-size:.77rem;font-weight:560}.highlight-check{display:grid;width:23px;height:23px;flex:0 0 auto;place-items:center;border:1px solid var(--line-strong);border-radius:1px;background:var(--accent);color:var(--accent-foreground)}.hero-actions{display:flex;flex-wrap:wrap;gap:.8rem;margin-top:2rem}.button-primary,.button-secondary{display:inline-flex;min-height:48px;align-items:center;justify-content:center;gap:.65rem;border:2px solid var(--line-strong);border-radius:2px;padding:.75rem 1.05rem;font-size:.79rem;font-weight:720;text-decoration:none;transition:transform .15s ease,box-shadow .15s ease,background .15s ease}.button-primary{background:var(--panel);box-shadow:5px 5px 0 var(--accent);color:var(--panel-ink)}.button-secondary{background:var(--surface);box-shadow:5px 5px 0 var(--line);color:var(--ink)}.button-primary:hover,.button-secondary:hover{transform:translate(-2px,-2px)}.button-primary svg,.button-secondary svg{flex:0 0 16px;width:16px;height:16px}.button-primary:hover{box-shadow:8px 8px 0 var(--accent)}.button-secondary:hover{box-shadow:8px 8px 0 var(--line-strong)}.comparison-stage{position:relative;padding:1.8rem 1rem 2rem 0}.comparison-stage:before{position:absolute;inset:.15rem 0 .15rem 1.4rem;border:2px solid var(--line-strong);background:var(--accent);content:"";transform:rotate(3.2deg)}.comparison-card{position:relative;z-index:1;overflow:hidden;border:2px solid var(--line-strong);border-radius:2px;background:var(--surface-raised);box-shadow:12px 12px 0 var(--line-strong);transform:rotate(-.65deg)}.comparison-card-header{display:flex;min-height:48px;align-items:center;justify-content:space-between;gap:1rem;background:var(--panel);color:var(--panel-ink);font-family:var(--font-geist-mono),monospace;font-size:.64rem;font-weight:700;letter-spacing:.09em;text-transform:uppercase}.comparison-number{display:grid;align-self:stretch;place-items:center;padding-inline:1rem;background:var(--accent);color:var(--accent-foreground);font-size:.78rem}.comparison-card-header span:last-child{padding-right:1rem;text-align:right}.comparison-content{padding:clamp(1.5rem,4vw,2.35rem)}.comparison-label{color:var(--muted);font-family:var(--font-geist-mono),monospace;font-size:.68rem;font-weight:650;letter-spacing:.07em;text-transform:uppercase}.comparison-amount{margin-top:.45rem;font-size:clamp(2.2rem,4.1vw,3.45rem);font-weight:720;letter-spacing:-.065em;line-height:1;font-feature-settings:"tnum";font-variant-numeric:tabular-nums}.comparison-amount span{display:block;margin-top:.45rem;color:var(--muted);font-family:var(--font-geist-mono),monospace;font-size:.64rem;font-weight:500;letter-spacing:.03em}.comparison-list{display:grid;gap:1.25rem;margin-top:2rem}.comparison-row{display:grid;gap:.55rem}.comparison-row-meta{display:flex;align-items:baseline;justify-content:space-between;gap:.75rem;font-size:.78rem}.comparison-row-meta strong{font-size:.84rem}.comparison-row-meta small{color:var(--muted);font-size:.68rem}.comparison-row-meta>span:last-child{flex:0 0 auto;font-family:var(--font-geist-mono),monospace;font-weight:700;font-feature-settings:"tnum";font-variant-numeric:tabular-nums}.comparison-track{height:14px;border:1px solid var(--line-strong);background:var(--paper-soft)}.comparison-fill{height:100%;border-right:1px solid var(--line-strong);background:var(--accent)}.comparison-fill[data-tone=muted]{background:repeating-linear-gradient(-45deg,var(--ink-soft),var(--ink-soft) 4px,transparent 4px,transparent 8px)}.comparison-note{border-top:1px solid var(--line);background:var(--paper-soft);padding:1rem clamp(1.5rem,4vw,2.35rem) 1.25rem;color:var(--muted);font-size:.7rem;line-height:1.55;text-wrap:pretty}.comparison-note a{color:var(--ink);font-weight:750;text-decoration-thickness:2px;text-underline-offset:3px}.section-block{padding:5.5rem 0;border-bottom:2px solid var(--line-strong)}.section-heading-grid{display:grid;grid-template-columns:92px minmax(0,1fr) auto;align-items:end;gap:1.5rem;margin-bottom:2.2rem}.section-index{color:var(--accent-strong);font-family:var(--font-geist-mono),monospace;font-size:clamp(2.5rem,5vw,4.5rem);font-weight:800;letter-spacing:-.09em;line-height:.82}.section-title{margin-top:.7rem;font-size:clamp(2rem,4vw,3.4rem);font-weight:690;letter-spacing:-.06em;line-height:.98}.section-copy{max-width:34rem;margin-top:.7rem;color:var(--muted);font-size:.95rem;line-height:1.6}.calculator-groups{display:grid;gap:.8rem}.calculator-group{position:relative;overflow:clip;border:1.5px solid var(--line-strong);border-radius:2px;background:var(--surface-raised);box-shadow:4px 4px 0 var(--line);transition:box-shadow .16s ease}.calculator-group:hover,.calculator-group[open]{box-shadow:7px 7px 0 color-mix(in srgb,var(--accent) 55%,var(--line))}.calculator-group>summary{list-style:none}.calculator-group>summary::-webkit-details-marker{display:none}.calculator-group-summary{position:relative;display:grid;grid-template-columns:auto minmax(0,1fr) auto auto;align-items:center;gap:1.15rem;min-height:86px;padding:1rem 1.1rem 1rem 1.25rem;cursor:pointer;transition:background .16s ease,color .16s ease}.calculator-group-summary:before{position:absolute;inset:0 auto 0 0;width:6px;background:var(--accent);content:"";transform:scaleY(.24);transform-origin:center;transition:transform .16s ease}.calculator-group-summary:hover{background:var(--paper-soft)}.calculator-group-summary:hover:before,.calculator-group[open] .calculator-group-summary:before{transform:scaleY(1)}.calculator-group[open] .calculator-group-summary{background:var(--panel);color:var(--panel-ink)}.calculator-group-index{display:grid;width:42px;height:42px;place-items:center;border:1px solid var(--line);background:var(--paper-soft);color:var(--accent-strong);font-family:var(--font-geist-mono),monospace;font-size:1.4rem;font-weight:800;letter-spacing:-.06em}.calculator-group[open] .calculator-group-index{border-color:color-mix(in srgb,var(--panel-ink) 45%,transparent);background:var(--panel-accent);color:var(--panel)}.calculator-group-summary small,.calculator-group-summary strong{display:block}.calculator-group-summary strong{font-size:1.1rem;letter-spacing:-.025em}.calculator-group-summary small{max-width:38rem;margin-top:.28rem;color:var(--muted);font-size:.72rem;line-height:1.45}.calculator-group[open] .calculator-group-count,.calculator-group[open] .calculator-group-summary small{color:color-mix(in srgb,var(--panel-ink) 70%,transparent)}.calculator-group-count{border:1px solid var(--line);border-radius:999px;padding:.35rem .55rem;color:var(--muted);font-family:var(--font-geist-mono),monospace;font-size:.62rem;font-weight:700;letter-spacing:.04em;text-transform:uppercase}.calculator-group-arrow{display:grid;width:32px;height:32px;place-items:center;border:1px solid;background:var(--surface);color:var(--ink);font-size:.72rem;transition:transform .16s ease,background .16s ease,color .16s ease}.calculator-group[open] .calculator-group-arrow{background:var(--panel-accent);color:var(--panel);transform:rotate(180deg)}.calculator-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:1rem;border-top:1px solid color-mix(in srgb,var(--panel-ink) 35%,transparent);background:color-mix(in srgb,var(--accent) 5%,var(--paper));padding:1.15rem}.calculator-tile{position:relative;display:flex;min-height:260px;flex-direction:column;overflow:hidden;border:1.5px solid var(--line-strong);border-radius:2px;background:var(--surface);box-shadow:5px 5px 0 var(--line);color:var(--ink);padding:1.3rem;text-decoration:none;transition:transform .16s ease,box-shadow .16s ease}.calculator-tile:before{position:absolute;inset:0 0 auto;height:6px;background:var(--accent);content:"";transform:scaleX(.22);transform-origin:left;transition:transform .18s ease}.calculator-tile:hover{z-index:2;transform:translate(-3px,-3px);box-shadow:10px 10px 0 var(--line-strong)}.calculator-tile:focus-visible:before,.calculator-tile:hover:before{transform:scaleX(1)}.calculator-tile:focus-visible{outline:3px solid var(--accent);outline-offset:4px}.calculator-tile-top{display:flex;align-items:flex-start;justify-content:space-between;gap:1rem}.calculator-icon{display:grid;width:48px;height:48px;place-items:center;border:1px solid;border-radius:2px;background:var(--paper-soft);box-shadow:3px 3px 0 var(--accent)}.calculator-icon svg{width:22px;height:22px}.calculator-number{font-family:var(--font-geist-mono),monospace;font-size:.65rem;font-weight:750;letter-spacing:.09em}.calculator-tile h3{max-width:25rem;margin-top:auto;padding-top:2rem;font-size:clamp(1.45rem,3vw,2.2rem);font-weight:680;letter-spacing:-.05em;line-height:1;-webkit-hyphens:auto;hyphens:auto;overflow-wrap:anywhere}.calculator-tile-description{max-width:32rem;margin-top:.7rem;color:var(--muted);font-size:.82rem;line-height:1.55;text-wrap:pretty}.calculator-example{display:flex;align-items:center;justify-content:space-between;gap:.8rem;margin-top:1.25rem;border-top:1px solid;padding-top:.85rem;font-family:var(--font-geist-mono),monospace;font-size:.68rem;font-weight:650;line-height:1.45;font-feature-settings:"tnum";font-variant-numeric:tabular-nums}.calculator-example svg{flex:0 0 16px;width:16px;height:16px;transition:transform .15s ease}.calculator-tile:hover .calculator-example svg{transform:translateX(4px)}.assumptions-panel{position:relative;margin-top:5.5rem;overflow:hidden;border:2px solid 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