:root{
    --paper:#f4f1e9; --card:#fffdf7; --ink:#1b2530; --muted:#5b6672;
    --maple:#b04a2c; --maple-soft:#d98b6f; --pine:#2f5d50;
    --line:rgba(27,37,48,.12); --line-strong:rgba(27,37,48,.22);
    --good:#2f5d50; --shadow:0 1px 2px rgba(27,37,48,.05),0 8px 30px -12px rgba(27,37,48,.18);
    --serif:"Iowan Old Style","Palatino Linotype",Palatino,Georgia,"Times New Roman",serif;
    --sans:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  }
  @media (prefers-color-scheme:dark){
    :root{
      --paper:#121820; --card:#1a2029; --ink:#edf1ee; --muted:#9aa6b1;
      --maple:#e08862; --maple-soft:#b8623f; --pine:#77b6a4;
      --line:rgba(237,241,238,.12); --line-strong:rgba(237,241,238,.24);
      --good:#77b6a4; --shadow:0 1px 2px rgba(0,0,0,.3),0 10px 34px -14px rgba(0,0,0,.6);
    }
  }
  :root[data-theme="dark"]{
    --paper:#121820; --card:#1a2029; --ink:#edf1ee; --muted:#9aa6b1;
    --maple:#e08862; --maple-soft:#b8623f; --pine:#77b6a4;
    --line:rgba(237,241,238,.12); --line-strong:rgba(237,241,238,.24);
    --good:#77b6a4; --shadow:0 1px 2px rgba(0,0,0,.3),0 10px 34px -14px rgba(0,0,0,.6);
  }
  :root[data-theme="light"]{
    --paper:#f4f1e9; --card:#fffdf7; --ink:#1b2530; --muted:#5b6672;
    --maple:#b04a2c; --maple-soft:#d98b6f; --pine:#2f5d50;
    --line:rgba(27,37,48,.12); --line-strong:rgba(27,37,48,.22);
    --good:#2f5d50; --shadow:0 1px 2px rgba(27,37,48,.05),0 8px 30px -12px rgba(27,37,48,.18);
  }
  *{box-sizing:border-box}
  html{-webkit-text-size-adjust:100%}
  body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--sans);
    line-height:1.6;font-size:17px;-webkit-font-smoothing:antialiased}
  .wrap{max-width:760px;margin:0 auto;padding:0 20px}
  a{color:var(--maple)}
  h1,h2,h3{font-family:var(--serif);font-weight:600;text-wrap:balance;line-height:1.15;letter-spacing:-.01em}
  .eyebrow{font-size:.72rem;text-transform:uppercase;letter-spacing:.14em;color:var(--pine);font-weight:700}

  header.top{border-bottom:1px solid var(--line);position:sticky;top:0;background:color-mix(in srgb,var(--paper) 88%,transparent);backdrop-filter:blur(8px);z-index:5}
  .top .wrap{display:flex;align-items:center;justify-content:space-between;height:58px}
  .brand{display:flex;align-items:center;gap:10px;font-family:var(--serif);font-weight:600;font-size:1.05rem}
  .brand .leaf{width:26px;height:26px;flex:0 0 26px}
  .themebtn{border:1px solid var(--line-strong);background:transparent;color:var(--muted);
    font:inherit;font-size:.8rem;padding:6px 12px;border-radius:999px;cursor:pointer}
  .themebtn:hover{color:var(--ink);border-color:var(--ink)}

  .hero{padding:48px 0 8px;text-align:center}
  .hero h1{font-size:clamp(1.9rem,5.2vw,2.9rem);margin:14px 0 10px}
  .hero p{color:var(--muted);max-width:52ch;margin:0 auto;font-size:1.05rem}

  .calc{background:var(--card);border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow);
    margin:30px 0;overflow:hidden}
  .calc-in{padding:26px 26px 8px}
  .field{margin-bottom:22px}
  .field>label{display:block;font-weight:650;margin-bottom:4px}
  .field .hint{color:var(--muted);font-size:.86rem;margin-bottom:10px}
  .steppers{display:grid;grid-template-columns:1fr 1fr;gap:14px}
  @media (max-width:520px){.steppers{grid-template-columns:1fr}}
  .stepper{border:1px solid var(--line-strong);border-radius:12px;padding:12px 14px;display:flex;
    align-items:center;justify-content:space-between;gap:8px;background:transparent}
  .stepper .lab{font-size:.9rem}
  .stepper .lab b{display:block;font-family:var(--serif);font-size:1.02rem}
  .stepper .lab span{color:var(--muted);font-size:.8rem}
  .ctrls{display:flex;align-items:center;gap:10px}
  .ctrls button{width:34px;height:34px;border-radius:9px;border:1px solid var(--line-strong);
    background:transparent;color:var(--ink);font-size:1.2rem;line-height:1;cursor:pointer;
    display:flex;align-items:center;justify-content:center;font-family:var(--sans)}
  .ctrls button:hover{background:var(--maple);color:#fff;border-color:var(--maple)}
  .ctrls .num{min-width:1.4ch;text-align:center;font-variant-numeric:tabular-nums;font-weight:700;font-size:1.1rem}
  .income input{width:100%;font:inherit;font-size:1.25rem;font-variant-numeric:tabular-nums;
    padding:12px 14px 12px 30px;border:1px solid var(--line-strong);border-radius:12px;background:transparent;color:var(--ink)}
  .income{position:relative}
  .income .cur{position:absolute;left:13px;top:50%;transform:translateY(-50%);color:var(--muted);font-size:1.2rem}
  .income input:focus,.stepper:focus-within{outline:2px solid var(--maple);outline-offset:1px}
  .row2{display:grid;grid-template-columns:1.3fr 1fr;gap:14px}
  @media (max-width:520px){.row2{grid-template-columns:1fr}}
  select{width:100%;font:inherit;padding:12px 14px;border:1px solid var(--line-strong);border-radius:12px;
    background:transparent;color:var(--ink);cursor:pointer}

  .result{background:var(--pine);color:var(--on);--on:#fff;padding:26px;margin-top:6px}
  @media (prefers-color-scheme:dark){.result{--on:#0f1720}}
  :root[data-theme="dark"] .result{--on:#0f1720}
  :root[data-theme="light"] .result{--on:#fff}
  .result .eyebrow{color:color-mix(in srgb,var(--on) 82%,transparent)}
  .amount{font-family:var(--serif);font-variant-numeric:tabular-nums;font-weight:700;
    font-size:clamp(2.6rem,9vw,3.8rem);line-height:1;margin:8px 0 2px;letter-spacing:-.02em}
  .amount .per{font-size:1rem;font-weight:400;font-family:var(--sans);opacity:.8}
  .annual{opacity:.9;font-size:1rem}
  .maxnote{margin-top:12px;font-size:.85rem;opacity:.82;border-top:1px solid color-mix(in srgb,var(--on) 22%,transparent);padding-top:12px}

  .break{padding:22px 26px 26px}
  .break h3{font-size:1.05rem;margin:0 0 12px}
  table.calc-break{width:100%;border-collapse:collapse;font-size:.92rem}
  table.calc-break td{padding:8px 0;border-bottom:1px solid var(--line)}
  table.calc-break td:last-child{text-align:right;font-variant-numeric:tabular-nums;font-weight:600}
  table.calc-break tr.total td{border-bottom:none;padding-top:12px;font-weight:750;font-size:1.02rem}
  table.calc-break tr.sub td{color:var(--muted);font-weight:500}
  table.calc-break tr.sub td:last-child{color:var(--maple)}

  section.copy{padding:14px 0 8px}
  section.copy h2{font-size:1.5rem;margin:34px 0 12px}
  section.copy p{color:var(--ink);margin:0 0 14px}
  .grid-facts{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:18px 0}
  @media (max-width:520px){.grid-facts{grid-template-columns:1fr}}
  .fact{border:1px solid var(--line);border-radius:12px;padding:16px;background:var(--card)}
  .fact b{font-family:var(--serif);font-size:1.3rem;display:block;color:var(--maple);font-variant-numeric:tabular-nums}
  .fact span{color:var(--muted);font-size:.86rem}
  details{border-bottom:1px solid var(--line);padding:14px 0}
  details summary{cursor:pointer;font-weight:650;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:12px}
  details summary::-webkit-details-marker{display:none}
  details summary::after{content:"+";color:var(--maple);font-size:1.3rem;transition:transform .2s}
  details[open] summary::after{content:"\2013"}
  details p{margin:12px 0 2px;color:var(--muted)}
  .disclaimer{background:color-mix(in srgb,var(--maple) 8%,var(--card));border:1px solid color-mix(in srgb,var(--maple) 26%,transparent);
    border-radius:12px;padding:16px 18px;font-size:.9rem;color:var(--muted);margin:26px 0}
  .disclaimer b{color:var(--ink)}
  footer{border-top:1px solid var(--line);margin-top:40px;padding:26px 0 46px;color:var(--muted);font-size:.85rem}
  footer .links{display:flex;gap:18px;flex-wrap:wrap;margin-bottom:10px}
  footer a{color:var(--muted);text-decoration:none}
  footer a:hover{color:var(--maple)}
  @media (prefers-reduced-motion:reduce){*{transition:none!important}}