:root{--navy:#041c4a;--navy2:#22345e;--green:#28b250;--green-d:#1f9442;--red:#d64545;--bg:#f5f7fa;--card:#fff;--line:#e4e8ef;--muted:#5b6578;--r:14px;--sh:0 1px 2px rgba(4,28,74,.05),0 4px 16px rgba(4,28,74,.06)}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;background:var(--bg);color:var(--navy);line-height:1.6;font-size:16px}
h1,h2,h3{color:var(--navy);line-height:1.25;letter-spacing:-.01em}h1{font-size:2rem;margin:.4em 0 .3em}h2{font-size:1.35rem;margin:1.8em 0 .6em}h3{font-size:1.05rem;margin:0 0 6px}
p,li,td{color:#2a3550}a{color:var(--green-d);text-decoration:none}a:hover{text-decoration:underline}
header{position:sticky;top:0;z-index:10;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 1px 8px rgba(4,28,74,.04);padding:10px 24px;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:8px 16px}
.logo img{height:44px;display:block}nav{display:flex;flex-wrap:wrap;gap:4px}
nav a{color:var(--navy);font-weight:600;font-size:.92rem;padding:6px 10px;border-radius:8px}nav a:hover{color:var(--green-d);background:#eef8f1;text-decoration:none}
main{max-width:1040px;margin:0 auto;padding:24px 20px 40px}
.hero{background:linear-gradient(135deg,#fff 0%,#eef8f1 100%);border:1px solid var(--line);border-radius:20px;padding:44px 36px;margin:8px 0 24px;box-shadow:var(--sh)}
.hero h1{font-size:2.5rem;margin:0 0 10px}.hero h1 span{color:var(--green)}.hero p{font-size:1.1rem;color:var(--muted);max-width:560px;margin:0 0 22px}
.cta{display:flex;gap:12px;flex-wrap:wrap}
.btn,button{display:inline-block;background:var(--green);color:#fff;border:0;padding:11px 20px;border-radius:10px;font-weight:700;font-size:.97rem;cursor:pointer;font-family:inherit;transition:background .15s}
.btn:hover,button:hover{background:var(--green-d);text-decoration:none}.btn.ghost{background:#fff;color:var(--navy);border:1px solid var(--line)}.btn.ghost:hover{border-color:var(--green);color:var(--green-d)}
button{margin-top:16px}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:16px}
.card{display:block;background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:20px;box-shadow:var(--sh);transition:transform .15s,box-shadow .15s}
a.card{color:inherit}a.card:hover{transform:translateY(-2px);box-shadow:0 8px 24px rgba(4,28,74,.1);text-decoration:none;border-color:#cfe9d7}a.card h3{color:var(--navy)}a.card p{color:var(--muted);margin:0;font-size:.93rem}
.ad{border:1px dashed #d4dae4;color:#9aa3b2;text-align:center;padding:16px;border-radius:10px;margin:24px 0;font-size:.75rem;letter-spacing:.05em;text-transform:uppercase;background:transparent}
.disc{background:#fffaf0;border:1px solid #f6e3b8;color:#6b5418;padding:10px 14px;border-radius:10px;font-size:.84rem;margin:4px 0 18px}.disc b,.disc{color:#6b5418}.disc a{color:#8a6a10;text-decoration:underline}
label{display:block;margin:12px 0 5px;font-weight:600;font-size:.88rem;color:var(--navy2)}
input{width:100%;padding:10px 12px;border:1px solid #d3d9e3;border-radius:10px;font-size:1rem;font-family:inherit;color:var(--navy);background:#fff}input:focus{outline:none;border-color:var(--green);box-shadow:0 0 0 3px rgba(40,178,80,.15)}
.result{font-size:1.05rem}.big{font-size:2rem;font-weight:800;color:var(--green-d);letter-spacing:-.02em}
table{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;box-shadow:var(--sh)}
td,th{padding:10px 14px;border-bottom:1px solid var(--line);text-align:left;font-size:.93rem;vertical-align:top}tr:last-child td{border-bottom:0}th{background:#f8fafc;color:var(--muted);font-weight:600;font-size:.82rem;text-transform:uppercase;letter-spacing:.03em}
.card table{box-shadow:none}
.tag{display:inline-block;background:#fdeeee;color:#b23434;font-size:.72rem;padding:2px 9px;border-radius:999px;font-weight:700;vertical-align:middle;letter-spacing:.02em}
footer{background:#fff;border-top:1px solid var(--line);color:var(--muted);padding:28px 20px;font-size:.82rem;margin-top:40px}footer p{max-width:1040px;margin:6px auto;color:var(--muted)}footer b{color:var(--navy)}
.two{display:grid;grid-template-columns:1fr 1fr;gap:16px;align-items:start}
#chart svg{border:1px solid var(--line);box-shadow:var(--sh)}#chart p{font-size:.9rem;color:var(--muted)}
ul{padding-left:1.2em}
@media(max-width:720px){.two{grid-template-columns:1fr}header{padding:10px 14px;justify-content:center}.logo img{height:38px}nav{justify-content:center}nav a{padding:5px 8px;font-size:.85rem}h1{font-size:1.6rem}.hero{padding:28px 20px}.hero h1{font-size:1.8rem}main{padding:16px 14px 30px}}
/* tools */
select{width:100%;padding:9px 10px;border:1px solid #d5dbe5;border-radius:8px;font:inherit;background:#fff;margin-bottom:12px}
.row3{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}.row2{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.kv{width:100%;margin:0}.kv td{padding:7px 8px}.kv td:last-child{text-align:right}
.pos{color:#1f9442}.neg{color:#d64545}
.legend{display:flex;gap:16px;font-size:13px;color:#4b5563;margin-top:6px;flex-wrap:wrap}.legend i{display:inline-block;width:14px;height:3px;margin-right:6px;vertical-align:middle}
.legs{width:100%;font-size:14px}.legs td,.legs th{padding:4px}.legs input,.legs select{margin:0;padding:6px}
.scroll{overflow-x:auto}.heat td{text-align:right;font-variant-numeric:tabular-nums;font-size:13px}
details{background:#fff;border:1px solid #e5e9f0;border-radius:10px;padding:12px 16px;margin:8px 0}details summary{cursor:pointer;font-weight:600;color:#041c4a}
.crumb{display:inline-block;margin:6px 0 4px;color:#1f9442;text-decoration:none;font-size:14px}
.formula{background:#f1f4f9;border-radius:8px;padding:10px 14px;font-family:ui-monospace,Menlo,monospace;font-size:14px;overflow-x:auto;white-space:pre-wrap}
.small{font-size:13px;color:#6b7280}.btn.sm,button.sm{padding:6px 12px;font-size:13px}
@media(max-width:720px){.row3{grid-template-columns:1fr 1fr}}
.legs select{min-width:78px}.two.wide{grid-template-columns:3fr 2fr}
@media(max-width:720px){.two.wide{grid-template-columns:1fr}}
.legs input{min-width:64px}
.crumbs{font-size:13px;color:#6b7280;margin:6px 0 2px}.crumbs a{color:#1f9442;text-decoration:none}.crumbs a:hover{text-decoration:underline}.crumbs span{color:#4b5563}
.goal{margin-top:28px}.goal h2{margin-bottom:2px}.goal .intro{margin:0 0 12px;color:#4b5563}
@media(max-width:720px){header{flex-direction:column;gap:6px}}
.rmleg{border:0;background:none;color:#9ca3af;font-size:18px;cursor:pointer;padding:0 6px}.rmleg:hover{color:#dc2626}.rmleg:disabled{opacity:.3;cursor:default}
.legs input:disabled{background:#f3f4f6;color:#9ca3af}#addleg{margin-top:8px}

.flinks{font-weight:600}.flinks a{color:var(--navy)}
.pform{max-width:640px}.pform label{display:block;font-weight:600;margin:14px 0 6px}.pform .req{color:var(--red)}.pform select,.pform textarea{width:100%;padding:10px 12px;border:1px solid #d3d9e3;border-radius:10px;font-size:1rem;font-family:inherit;color:var(--navy);background:#fff}.pform textarea{min-height:160px;resize:vertical}.pform select:focus,.pform textarea:focus{outline:none;border-color:var(--green);box-shadow:0 0 0 3px rgba(40,178,80,.15)}.pform button{margin-top:18px}.hp{position:absolute;left:-9999px}.donate-cta{font-size:1.15rem;padding:14px 32px;margin:10px 0 6px}
@media(max-width:560px){nav{gap:2px}nav a{padding:5px 6px;font-size:.8rem}}
@media(max-width:560px){nav .nl{display:none}}

.legal h2:first-child{margin-top:.2em}.legal{margin-bottom:24px}
#mw-cookie{position:fixed;z-index:2147483647;left:16px;bottom:16px;max-width:360px;background:var(--navy);color:#fff;border-radius:12px;padding:12px 14px;box-shadow:0 6px 24px rgba(4,28,74,.25);font-size:.88rem;display:flex;flex-direction:column;gap:8px}#mw-cookie p{margin:0;color:#e6ebf5}#mw-cookie a{color:#7ee09a}#mw-cookie div{display:flex;gap:8px;justify-content:flex-end}#mw-cookie button{padding:6px 14px;font-size:.85rem}#mw-cookie button.ghost{background:transparent;border:1px solid #6b7a99;color:#fff}
@media(max-width:560px){#mw-cookie{left:8px;right:8px;bottom:72px;max-width:none;flex-direction:row;align-items:center;padding:8px 10px;font-size:.8rem}#mw-cookie div{flex-shrink:0}}

/* Ad slots hidden until AdSense approval. To re-enable, add class="ads-on" to <html> or <body> (or delete this rule). */
html:not(.ads-on) body:not(.ads-on) .ad{display:none!important}
.legs button.est{display:block;margin-top:4px;padding:3px 8px;font-size:12px;font-weight:600;background:#eef8f1;color:var(--green-d);border:1px solid #cfe9d7;border-radius:7px;white-space:nowrap}.legs button.est:hover{background:var(--green);color:#fff}.legs .gk{font-size:11px;color:var(--muted);line-height:1.3;margin-top:3px;min-width:120px;white-space:normal}
.newbox{background:#eef8f1;border:1px solid #cfe9d7;border-left:4px solid var(--green);border-radius:10px;padding:12px 16px;margin:12px 0 18px;font-size:.95rem;color:#2a3550}.newbox details{margin:10px 0 4px}dl.inputs{margin:8px 0}dl.inputs dt{font-weight:700;color:var(--navy);margin-top:10px}dl.inputs dd{margin:2px 0 0;color:#2a3550}