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#0000001c,0 4px 12px #0000000f;--shadow-card:0 1px 4px #0000000d,0 2px 10px #0000000a;--glow-accent:0 0 0 3px #0b5e381f;--glow-pro:0 0 0 3px #1b2d721f}.skip-link{background:var(--accent);color:#fff;border-radius:var(--r-sm);z-index:9999;padding:8px 16px;font-size:13px;font-weight:600;text-decoration:none;transition:top .15s;position:absolute;top:-100px;left:1rem}.skip-link:focus{top:1rem}*{box-sizing:border-box;margin:0;padding:0}html{overflow-x:hidden}@media (prefers-reduced-motion:no-preference){html{scroll-behavior:smooth}}body{font-family:var(--font);background:var(--bg);color:var(--text);-webkit-font-smoothing:antialiased;background-image:radial-gradient(80% 50% at 50% -10%,#0b5e380a 0%,#0000 70%);min-height:100vh;line-height:1.6;overflow-x:hidden}header{z-index:200;border-bottom:1px solid 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(max-width:900px){.nav-link{padding:5px 8px;font-size:12px}.header-inner{padding:0 1.25rem}}@media (max-width:640px){header{-webkit-backdrop-filter:none;background:#fffffffa}}.mobile-calc-nav{background:var(--surface);border-bottom:1px solid var(--border);z-index:199;display:none;position:sticky;top:60px}.mcn-inner{grid-template-columns:repeat(4,1fr);width:100%;display:grid}.mcn-link{color:var(--text3);white-space:nowrap;text-align:center;text-overflow:ellipsis;border-bottom:2px solid #0000;justify-content:center;align-items:center;padding:9px 4px;font-size:11.5px;font-weight:500;text-decoration:none;transition:color .15s;display:flex;overflow:hidden}.mcn-link.active{color:var(--accent);border-bottom-color:var(--accent);font-weight:600}.mcn-link:hover:not(.active){color:var(--text)}@media (max-width:700px){.mobile-calc-nav{display:block}}@media (max-width:360px){.mcn-link{padding:8px 2px;font-size:10.5px}}.hero{contain:layout style 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span{color:#fff6;font-size:.9rem;font-weight:400;font-family:var(--font);margin-left:8px}.hcm-grid{grid-template-columns:1fr 1fr;gap:8px;margin-bottom:1.25rem;display:grid}.hcm-cell{background:#ffffff0d;border:1px solid #ffffff0f;border-radius:8px;padding:.7rem .9rem}.hcm-cell-label{color:#ffffff52;text-transform:uppercase;letter-spacing:.1em;margin-bottom:.25rem;font-size:9px;font-weight:700}.hcm-cell-val{color:#fff;font-size:13px;font-weight:500;font-family:var(--mono)}.hcm-cell-val.green{color:#6ecfa0}.hcm-cell-val.red{color:#f4877a}.hcm-bar-wrap{margin-bottom:.5rem}.hcm-bar-label{color:#ffffff52;justify-content:space-between;margin-bottom:.45rem;font-size:10px;font-weight:500;display:flex}.hcm-bar-track{background:#ffffff14;border-radius:10px;height:4px;overflow:hidden}.hcm-bar-fill{background:linear-gradient(90deg,#ffffff59,#ffffff8c);border-radius:10px;height:100%}.hcm-footer{border-top:1px solid 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20px;margin-top:1.25rem;display:flex}.hero-trust-item{color:#ffffffa6;letter-spacing:.01em;align-items:center;gap:6px;font-size:12px;font-weight:500;display:flex}.hero-trust-item:before{content:"";background:#6ecfa0bf;border-radius:50%;flex-shrink:0;width:4px;height:4px}.hero-pills{flex-wrap:wrap;gap:6px;margin-top:1rem;display:flex}@media (max-width:780px){.hero-inner{grid-template-columns:1fr}.hero-visual{display:none}}@media (max-width:600px){.hero{padding:2.5rem 1.25rem 3.5rem}.hero h1{font-size:2rem}}.pill{border-radius:var(--r-sm);letter-spacing:.01em;padding:4px 11px;font-size:11px;font-weight:500}.pill-free{color:#fff9;background:#ffffff12;border:1px solid #ffffff1a}.pill-pro{color:#ffffff4d;background:0 0;border:1px solid #ffffff0f}.ad-slot{background:var(--surface2);border:1px solid var(--border);border-radius:var(--r-sm);content-visibility:auto;contain-intrinsic-size:0 90px;contain:layout 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600px;height:600px;min-height:600px;position:sticky;top:80px}.ad-inline{contain-intrinsic-size:0 90px;height:90px;min-height:90px;margin:1.5rem 0}.ad-results-mid{height:90px;min-height:50px;margin:1.35rem 0}.ad-footer-pre{height:90px;min-height:50px;margin:2rem 0}.main{max-width:1120px;margin:2rem auto 0;padding:0 1.75rem 6rem}.main-cols{grid-template-columns:1fr 280px;align-items:start;gap:1.75rem;display:grid}.main-center{min-width:0}@media (max-width:880px){.main-cols{grid-template-columns:1fr}.sidebar{display:none}}.sidebar{flex-direction:column;gap:1.1rem;display:flex}.sidebar-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--r);box-shadow:var(--shadow-card);padding:1.25rem 1.4rem}.sidebar-card h3{color:var(--text3);text-transform:uppercase;letter-spacing:.12em;margin-bottom:.85rem;font-size:10px;font-weight:700}.rate-row{border-bottom:1px solid var(--border);justify-content:space-between;align-items:center;padding:6px 0;font-size:12.5px;display:flex}.rate-row:last-child{border-bottom:none}.rate-label{color:var(--text2)}.rate-val{font-family:var(--mono);color:var(--text);font-size:12px;font-weight:500}.rate-tag{border-radius:20px;margin-left:4px;padding:2px 7px;font-size:9.5px;font-weight:600}.rate-tag-lt{background:var(--accent-pale);color:var(--accent)}.rate-tag-st{background:var(--danger-pale);color:var(--danger)}.sidebar-tip{color:var(--text2);background:var(--surface2);border-radius:var(--r-sm);border-left:3px solid var(--accent-mid);padding:.85rem 1rem;font-size:12px;line-height:1.65}.explainer{background:var(--surface);border:1px solid var(--border);border-left:3px solid var(--accent);border-radius:0 var(--r) var(--r) 0;box-shadow:var(--shadow-card);margin-bottom:1.4rem;padding:1.1rem 1.4rem}.explainer h3{color:var(--accent);text-transform:uppercase;letter-spacing:.12em;margin-bottom:.4rem;font-size:10px;font-weight:700}.explainer p{color:var(--text2);font-size:13px;line-height:1.75}.explainer strong{color:var(--text);font-weight:600}.tab-bar{background:var(--surface);border:1px solid var(--border);border-radius:var(--r) var(--r) 0 0;box-shadow:var(--shadow-card);border-bottom:none;width:100%;display:flex;overflow:hidden}.tab-btn{min-width:0;font-family:var(--font);color:var(--text3);cursor:pointer;border:none;border-bottom:2px solid #0000;border-right:1px solid var(--border);white-space:nowrap;background:0 0;flex:1;justify-content:center;align-items:center;gap:5px;padding:13px 8px;font-size:12.5px;font-weight:500;transition:all .18s;display:flex;overflow:hidden}.tab-btn:last-child{border-right:none}.tab-btn.active{color:var(--accent);border-bottom-color:var(--accent);background:var(--surface);font-weight:600}.tab-btn:hover:not(.active){background:var(--surface2);color:var(--text)}.tab-pro-pill{background:var(--pro-pale);color:var(--pro);border-radius:var(--r-xs);letter-spacing:.04em;flex-shrink:0;padding:2px 6px;font-size:9px;font-weight:700}@media (max-width:640px){.tab-bar{-webkit-overflow-scrolling:touch;scrollbar-width:none;border-radius:var(--r) var(--r) 0 0;overflow:auto hidden}.tab-bar::-webkit-scrollbar{display:none}.tab-btn{flex:none;padding:11px 14px;font-size:12px}.tab-btn .tab-label{display:inline}.tab-btn .tab-short{display:none}}.tab-bar-scroll{-webkit-overflow-scrolling:touch;scrollbar-width:none;overflow:auto hidden}.tab-bar-scroll::-webkit-scrollbar{display:none}.tab-bar-scroll .tab-btn{flex:none;padding:12px 14px;font-size:12.5px}.tab-bar-scroll .tab-btn-free{color:var(--text);border-right:none;font-weight:600}.tab-bar-scroll .tab-btn-free.active{color:var(--accent)}.tab-sep{color:var(--pro);background:var(--pro-pale);border-left:1px solid var(--border);white-space:nowrap;letter-spacing:.06em;text-transform:uppercase;border-right:1px solid #1b2d7226;flex-shrink:0;align-items:center;padding:0 10px;font-size:9px;font-weight:700;display:inline-flex}.calc-card{background:var(--surface);border:1px solid var(--border);border-radius:0 0 var(--r) var(--r);box-shadow:var(--shadow-card);contain:layout style;padding:2rem}.section-label{color:var(--text3);text-transform:uppercase;letter-spacing:.14em;align-items:center;gap:10px;margin-bottom:1.25rem;font-size:10px;font-weight:700;display:flex}.section-label:after{content:"";background:var(--border);flex:1;height:1px}.form-grid{grid-template-columns:1fr 1fr;gap:1.25rem;display:grid}.fg-full{grid-column:1/-1}.fgroup{flex-direction:column;gap:5px;display:flex}.frow{justify-content:space-between;align-items:center;margin-bottom:3px;display:flex}label{color:var(--text2);text-transform:uppercase;letter-spacing:.08em;font-size:11px;font-weight:600}.fhint{color:var(--text3);margin-top:2px;font-size:11.5px;line-height:1.5}.pro-lock{background:var(--pro-pale);color:var(--pro);cursor:pointer;white-space:nowrap;font-size:10px;font-weight:600;font-family:var(--font);border:none;border-radius:20px;padding:3px 9px;transition:opacity .15s}.pro-lock:hover{opacity:.75}.inp-wrap{position:relative}.inp-wrap .prefix,.inp-wrap .suffix{color:var(--text3);pointer-events:none;font-size:13px;font-family:var(--mono);position:absolute;top:50%;transform:translateY(-50%)}.inp-wrap .prefix{left:12px}.inp-wrap .suffix{right:12px}input:not([type=checkbox]),select{border:1.5px solid var(--border);border-radius:var(--r-sm);width:100%;font-family:var(--font);color:var(--text);background:var(--surface);appearance:none;outline:none;padding:10px 13px;font-size:13.5px;transition:border-color .18s,box-shadow .18s}.inp-wrap input{padding-left:26px}input::placeholder{color:var(--text3);opacity:1}input[type=date].empty{color:var(--text3)}input[type=date].empty::-webkit-datetime-edit{color:var(--text3)}input[type=date]::-webkit-calendar-picker-indicator{opacity:.4;cursor:pointer}input:not([type=checkbox]):focus,select:focus{border-color:var(--accent);box-shadow:var(--glow-accent)}input:not([type=checkbox]):hover:not(:focus),select:hover:not(:focus){border-color:var(--border2)}input:not([type=checkbox]).err,select.err{border-color:var(--danger);box-shadow:0 0 0 3px #b8302512}select{cursor:pointer;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='10' height='6' viewBox='0 0 10 6'%3E%3Cpath fill='%23676F88' d='M5 6L0 0h10z'/%3E%3C/svg%3E");background-position:right 13px center;background-repeat:no-repeat;padding-right:34px}.locked-field{background:var(--surface2)!important;color:var(--text3)!important;cursor:pointer!important;border-style:dashed!important;padding-left:13px!important}.locked-field:focus{border-color:var(--border)!important;box-shadow:none!important}.inp-wrap:has(.locked-field) .prefix{display:none}.field-error{color:var(--danger);margin-top:3px;font-size:11.5px;font-weight:500;display:none}.field-error.show{display:block}.gain-strip{border-radius:var(--r-sm);margin-top:.75rem;padding:.8rem 1.1rem;font-size:13px;line-height:1.65;display:none}.gain-strip.show{animation:.2s fadeIn;display:block}.gain-strip.long-strip{background:var(--accent-pale);color:var(--accent);border:1px solid #0b5e3826}.gain-strip.short-strip{background:var(--danger-pale);color:var(--danger);border:1px solid #b8302526}.gain-strip strong{font-weight:600}.calc-btn{background:var(--accent);color:#fff;border-radius:var(--r-sm);width:100%;font-family:var(--font);cursor:pointer;letter-spacing:.01em;border:none;justify-content:center;align-items:center;gap:10px;margin-top:1.75rem;padding:14px;font-size:14px;font-weight:600;transition:background .15s,box-shadow .15s,transform .1s;display:flex;position:relative;overflow:hidden;box-shadow:0 2px 8px #0b5e3833}.calc-btn:hover:not(:disabled){background:var(--accent2);transform:translateY(-1px);box-shadow:0 4px 16px #0b5e3859}.calc-btn:active:not(:disabled){transform:translateY(0)}.calc-btn:disabled{opacity:.5;cursor:not-allowed}.calc-btn .btn-spinner{border:2px solid #ffffff4d;border-top-color:#fff;border-radius:50%;flex-shrink:0;width:16px;height:16px;animation:.7s linear infinite spin;display:none}.calc-btn.loading .btn-spinner{display:block}.calc-btn.loading .btn-text{opacity:.7}.skeleton-wrap{margin-top:1.75rem;display:none}.skeleton-wrap.show{animation:.2s fadeIn;display:block}.sk-line{background:linear-gradient(90deg,var(--surface2) 25%,var(--surface3) 50%,var(--surface2) 75%);border-radius:var(--r-sm);background-size:200% 100%;height:13px;margin-bottom:10px;animation:1.4s infinite shimmer}.sk-grid{grid-template-columns:1fr 1fr;gap:12px;margin-bottom:14px;display:grid}.sk-card{background:linear-gradient(90deg,var(--surface2) 25%,var(--surface3) 50%,var(--surface2) 75%);border-radius:var(--r-sm);background-size:200% 100%;height:80px;animation:1.4s infinite shimmer}@keyframes shimmer{to{background-position:-200% 0}}.results{margin-top:1.75rem;display:none}.results.show{animation:.3s fadeUp;display:block}.results.show .rc{opacity:0;animation:.35s forwards fadeUp}.results.show .rc:first-child{animation-delay:40ms}.results.show .rc:nth-child(2){animation-delay:.1s}.results.show .rc:nth-child(3){animation-delay:.17s}.results.show .rc:nth-child(4){animation-delay:.24s}.results.show .rc:nth-child(5){animation-delay:.31s}.results.show .rc:nth-child(6){animation-delay:.38s}@keyframes fadeUp{0%{opacity:0;transform:translateY(10px)}to{opacity:1;transform:translateY(0)}}@keyframes fadeIn{0%{opacity:0}to{opacity:1}}@keyframes spin{to{transform:rotate(360deg)}}@keyframes shake{0%,to{transform:translate(0)}20%{transform:translate(-6px)}40%{transform:translate(6px)}60%{transform:translate(-4px)}80%{transform:translate(4px)}}.shake{animation:.4s shake}.modal-cta:disabled{opacity:.75;cursor:not-allowed;transform:none}.modal-cta.loading{opacity:.82;cursor:not-allowed;transform:none}.results-header{align-items:center;gap:10px;margin-bottom:1.25rem;display:flex}.results-header:before,.results-header:after{content:"";background:var(--border);flex:1;height:1px}.results-header 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