:root {
  color-scheme: light;
  --ink: #1d2f4a;
  --muted: #657184;
  --accent: #244a7a;
  --action: #2762eb;
  --lime: #c8ff3d;
  --line: #dce2eb;
  --soft: #f1f4f9;
  --section-space: clamp(56px, 6vw, 88px);
  --block-space: clamp(36px, 4.5vw, 64px);
}

* { box-sizing: border-box; }
html { scroll-padding-top: 105px; }
body { margin: 0; background: #f3f5f9; color: var(--ink); font: 16px/1.6 "Roboto", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif; }
a { color: var(--accent); text-underline-offset: 3px; }
a:hover { text-decoration-thickness: 2px; }
a:focus-visible, summary:focus-visible { outline: 2px solid var(--accent); outline-offset: 5px; }
h1, h2, h3, p { margin-top: 0; }
h1, h2, h3 { line-height: 1.25; font-weight: 600; }
h1 { margin-bottom: 22px; font-size: clamp(2.7rem, 5.5vw, 4.5rem); font-weight: 800; line-height: 1.02; letter-spacing: -.055em; }
.heading-highlight { background: linear-gradient(transparent 64%, var(--lime) 64%, var(--lime) 94%, transparent 94%); box-decoration-break: clone; -webkit-box-decoration-break: clone; }
h2 { margin-bottom: 16px; font-size: 1.5rem; letter-spacing: -.02em; }
h3 { margin-bottom: 10px; font-size: 1rem; }
p { margin-bottom: 16px; }
strong { font-weight: 600; }
.wrap { width: min(1120px, calc(100% - 48px)); margin-inline: auto; }
.small, .field-note { color: var(--muted); font-size: .82rem; font-weight: 400; }
.muted { color: var(--muted); }
.skip-link { position: absolute; top: -80px; left: 16px; z-index: 60; padding: 10px 16px; background: #fff; }
.skip-link:focus { top: 12px; }

header { position: sticky; top: 0; z-index: 50; border-bottom: 1px solid var(--line); background: #fafbfe; box-shadow: 0 2px 8px #1d2f4a08; }
.nav { min-height: 80px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand { display: inline-flex; align-items: center; gap: 12px; color: var(--ink); text-decoration: none; font-size: 1.05rem; font-weight: 600; letter-spacing: -.025em; }
.brand span { color: var(--muted); font-weight: 400; }
.brand .brand-symbol { display: grid; place-items: center; width: 38px; height: 38px; border: 2px solid var(--ink); border-radius: 9px; background: var(--lime); color: var(--ink); font-size: 22px; font-weight: 800; }
.brand .brand-name { color: var(--ink); font-weight: 750; }
.nav-links { display: flex; gap: 28px; font-size: .875rem; }
.nav-links a { color: var(--muted); text-decoration: none; }
.nav-links a:hover { color: var(--accent); text-decoration: underline; }
.menu-toggle { display: none; flex: 0 0 44px; width: 44px; height: 44px; padding: 9px; border: 1px solid #c7d1e0; border-radius: 8px; background: #fff; color: var(--ink); }
.menu-toggle:hover { background: var(--soft); }
.menu-icon-close, .menu-toggle[aria-expanded="true"] .menu-icon-open { display: none; }
.menu-toggle[aria-expanded="true"] .menu-icon-close { display: block; }

.hero { padding: var(--section-space) 0; }
.intro { display: grid; grid-template-columns: minmax(0, 1.35fr) minmax(280px, .65fr); gap: 64px; align-items: center; margin-bottom: var(--block-space); }
.intro-label { margin-bottom: 16px; color: var(--action); font-size: .76rem; font-weight: 750; letter-spacing: .08em; text-transform: uppercase; }
.hero-points { display: grid; gap: 22px; margin: 0; padding: 0; list-style: none; }
.hero-points li { display: flex; align-items: flex-start; gap: 16px; padding: 22px; border: 1px solid #d3dce8; border-radius: 12px; background: #fff; box-shadow: 0 3px 0 #1d2f4a08; }
.usp-check { display: grid; place-items: center; flex: 0 0 32px; height: 32px; border: 1px solid #b2db48; border-radius: 8px; background: var(--lime); color: var(--ink); font-size: 1.1rem; font-weight: 800; }
.hero-points strong { display: block; margin-bottom: 3px; font-size: .95rem; font-weight: 750; }
.hero-points div > span { display: block; color: var(--muted); font-size: .8rem; line-height: 1.5; }
.lead { color: var(--muted); font-size: 1.05rem; line-height: 1.7; }
.intro .lead { margin: 0; }
.calc-shell { border: 1px solid #d3dce8; border-radius: 20px; background: #fff; box-shadow: 0 4px 6px #1d2f4a04, 0 18px 40px #1d2f4a0d; }
.calc-grid { display: grid; grid-template-columns: minmax(0, 1.12fr) minmax(0, 1fr); }
.calc-form { padding: 40px; }
.panel-heading, .result-heading { display: flex; align-items: center; gap: 12px; margin-bottom: 14px; }
.step-number { display: inline-grid; place-items: center; width: 30px; height: 30px; border: 1px solid #bfd2fc; border-radius: 50%; background: #eaf0ff; color: var(--ink); font-size: .72rem; font-weight: 700; }
.calc-form h2 { font-size: 1.45rem; font-weight: 750; margin: 0; }
.form-intro { margin-bottom: 36px; color: var(--muted); font-size: .875rem; }
.form-grid { display: grid; gap: 32px; }
label, legend { display: block; margin-bottom: 10px; padding: 0; font-size: .875rem; font-weight: 600; }
fieldset { min-width: 0; margin: 0; padding: 0; border: 0; }
input, select { width: 100%; min-width: 0; height: 50px; padding: 11px 12px; border: 1px solid #b7c3d5; border-radius: 6px; background: #fcfdff; color: var(--ink); font: inherit; line-height: 1.4; box-shadow: 0 1px 2px #1d2f4a05; }
.date-inputs { display: grid; grid-template-columns: 1.15fr 1fr; gap: 12px; }
.sale-fields { display: grid; gap: 26px; }
input::placeholder { color: #717d91; }
input:focus, select:focus { outline: 2px solid var(--accent); outline-offset: 2px; border-color: var(--accent); }
[aria-invalid="true"] { border-color: #a42c25; }
.input-wrap { position: relative; }
.input-wrap input { padding-left: 34px; }
.currency { position: absolute; left: 13px; top: 50%; transform: translateY(-50%); color: var(--muted); pointer-events: none; }
.field-help { margin: 10px 0 0; color: var(--muted); font-size: .8rem; line-height: 1.5; }
.error { display: none; margin: 8px 0 0; color: #a42c25; font-size: .82rem; }
.error.show { display: block; }
.option-block { border-top: 1px solid var(--line); }
.option-block + .option-block { margin-top: -16px; }
summary { display: flex; align-items: center; gap: 12px; padding: 22px 0; list-style: none; cursor: pointer; font-size: .875rem; font-weight: 600; }
summary::-webkit-details-marker { display: none; }
summary::after { content: "+"; margin-left: auto; color: var(--accent); font-size: 1.15rem; font-weight: 400; }
details[open] > summary::after { content: "−"; }
.summary-label { flex: 1; }
.assumption-note { display: block; margin-top: 2px; color: var(--muted); font-size: .78rem; font-weight: 400; }
.option-content { padding-bottom: 24px; }
.option-copy { margin-bottom: 22px; color: var(--muted); font-size: .82rem; }
.option-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.inline-note { margin: 20px 0 0; color: var(--muted); font-size: .78rem; line-height: 1.6; }
.form-actions { display: flex; align-items: center; flex-wrap: wrap; gap: 12px 20px; margin-top: 20px; }
button { font: inherit; cursor: pointer; }
button:focus-visible { outline: 2px solid var(--accent); outline-offset: 4px; }
.reset-button { min-height: 44px; padding: 8px 0; border: 0; background: transparent; color: var(--muted); font-size: .8rem; text-decoration: underline; text-underline-offset: 3px; }
.form-status { margin: 10px 0 0; font-size: .8rem; color: var(--muted); }
.form-status:empty { display: none; }

.result-panel { display: flex; flex-direction: column; justify-content: space-between; gap: 48px; padding: 40px; background: #192e4d; color: #f4f7fc; border-left: 1px solid #192e4d; border-radius: 0 19px 19px 0; }
.result-heading { margin-bottom: 36px; color: #cbdcf6; font-size: .9rem; font-weight: 600; }
.result-heading .step-number { border-color: #81a7f4; background: #2a58a2; color: #fff; }
.result-kicker { color: #d5e1f3; font-size: .875rem; font-weight: 500; }
.result-value { margin: 12px 0 12px; color: #f9fbff; font-size: clamp(2.4rem, 4.5vw, 3.7rem); line-height: 1.1; font-weight: 750; letter-spacing: -.045em; font-variant-numeric: tabular-nums; overflow-wrap: anywhere; }
.result-meta { min-height: 42px; color: #cddbef; font-size: .82rem; }
.result-explanation { margin: 28px 0 0; color: #bdcde3; font-size: .8rem; }
.result-assumptions { margin-top: 28px; color: #bdcde3; }
.result-panel:focus-visible { outline: 2px solid var(--accent); outline-offset: 4px; }
.progress-box { margin: 36px 0; }
.progress-top { display: flex; justify-content: space-between; gap: 12px; margin-bottom: 9px; font-size: .78rem; color: #cddbef; }
.bar { height: 8px; border-radius: 4px; background: #415b7e; overflow: hidden; }
.bar > span { display: block; width: 0; height: 100%; background: var(--lime); }
.stats { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 16px 20px; margin: 0; font-size: .82rem; }
.stats dt { color: #bdcde3; }
.stats dd { margin: 0; text-align: right; font-variant-numeric: tabular-nums; }
.sell-note { margin-inline: -12px; padding: 28px 24px; border: 1px solid #a6d637; border-radius: 12px; background: #d4ff67; color: var(--ink); box-shadow: 0 8px 20px #07162a20; }
.sell-note h3 { margin-bottom: 14px; font-size: 1.2rem; }
.sell-note p { margin-bottom: 24px; color: #4c596a; font-size: .875rem; }
.sell-cta { display: flex; align-items: center; justify-content: space-between; gap: 12px; width: 100%; min-height: 52px; padding: 12px 16px; border: 1px solid #142640; border-radius: 6px; background: #192e4d; color: #fff; font-size: .9rem; font-weight: 700; line-height: 1.4; text-decoration: none; box-shadow: 0 2px 0 #102039; }
.sell-cta:hover { background: #244a7a; }
.sell-cta span { flex: 0 0 auto; font-size: 1.25rem; font-weight: 400; }
.sell-cta:focus-visible { outline-color: var(--ink); }
.pl { display: none; margin: 20px 0 0; padding: 14px 16px; border-left: 3px solid var(--line); background: #f4f7fc; color: var(--ink); border-radius: 3px; }
.pl.show { display: block; }
.pl.win { border-color: var(--accent); }
.pl.loss { border-color: #a42c25; }
.pl-label { font-size: .8rem; }
.pl-value { margin: 3px 0; font-size: 1.5rem; font-weight: 600; }
.pl.win .pl-value { color: var(--accent); }
.pl.loss .pl-value { color: #a42c25; }
.pl-copy { margin: 0; color: var(--muted); font-size: .8rem; }

.table-section { margin-top: var(--block-space); padding: 36px; border: 1px solid var(--line); border-radius: 10px; background: #ffffff; }
.table-head { display: flex; justify-content: space-between; align-items: baseline; gap: 16px; margin-bottom: 24px; }
.table-head h2 { margin: 0; font-size: 1.125rem; }
.table-wrap { overflow-x: auto; }
table { width: 100%; border-collapse: collapse; font-variant-numeric: tabular-nums; }
th, td { padding: 12px 14px; border-bottom: 1px solid var(--line); text-align: right; white-space: nowrap; font-size: .875rem; }
th { background: var(--soft); color: var(--muted); font-size: .78rem; font-weight: 500; }
th:first-child, td:first-child { text-align: left; }
tbody tr:last-child td { border-bottom: 0; }
.badge { margin-left: 8px; color: var(--muted); font-size: .72rem; font-weight: 400; }
.empty-row td { padding: 24px 14px; color: var(--muted); font-size: .82rem; white-space: normal; }
.table-note { margin: 18px 0 0; }

.section { padding: var(--section-space) 0; border-top: 1px solid var(--line); background: #fafbfe; }
.section h2 { font-size: clamp(1.8rem, 3.4vw, 2.6rem); font-weight: 750; line-height: 1.08; letter-spacing: -.035em; }
.two-col { display: grid; grid-template-columns: 1.1fr 1fr; gap: 64px; }
.article-copy { font-size: .9rem; }
.article-copy p:last-child { margin-bottom: 0; }
.formula { padding: 14px 0 14px 18px; border-left: 2px solid var(--accent); font-size: .9rem; }
.example-section, .faq-section { background: #f3f5f9; }
.example { padding: 38px 36px 42px; border-radius: 22px; background: var(--action); color: #fff; }
.example-label { display: inline-block; margin-bottom: 22px; padding: 7px 12px; border-radius: 20px; background: var(--lime); color: var(--ink); font-size: .75rem; font-weight: 800; letter-spacing: .025em; text-transform: uppercase; }
.example h2, .faq-section h2 { font-size: clamp(2rem, 4.4vw, 3.5rem); font-weight: 800; line-height: 1.08; letter-spacing: -.04em; }
.example h2 { max-width: 1000px; margin-bottom: 20px; }
.example p { margin: 0; font-size: .95rem; line-height: 1.75; }
.example-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 20px; margin: 32px 0 0; padding: 0; list-style: none; }
.example-grid li { padding: 24px 22px; border: 1px solid var(--line); border-radius: 16px; background: #fff; }
.example-grid time, .example-grid span { display: block; color: var(--muted); font-size: .82rem; }
.example-grid strong { display: block; margin: 8px 0 12px; font-size: 1.4rem; font-weight: 800; font-variant-numeric: tabular-nums; }
.section-label { margin-bottom: 20px; color: var(--action); font-size: .76rem; font-weight: 750; letter-spacing: .08em; text-transform: uppercase; }
.faq-section h2 { margin-bottom: 28px; }
.faq-section > .wrap > .lead { max-width: 760px; margin-bottom: 0; }
.faq { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); align-items: start; gap: 18px; margin-top: 40px; }
.faq details { border: 1px solid var(--line); border-radius: 14px; background: #fff; }
.faq summary { padding: 22px; font-weight: 700; }
.faq summary::after { flex-shrink: 0; }
.faq details p { padding: 0 22px 24px; margin: 0; color: var(--muted); font-size: .875rem; }
.cta-band { padding: var(--section-space) 0; background: #111d32; color: #fff; }
.cta-inner { display: grid; grid-template-columns: minmax(0, 1.15fr) minmax(0, .85fr); gap: 64px; align-items: center; }
.cta-band .section-label { color: var(--lime); }
.cta-band h2 { margin-bottom: 22px; font-size: clamp(2rem, 4.2vw, 3.4rem); font-weight: 800; line-height: 1.08; letter-spacing: -.04em; }
.cta-copy { margin: 0; color: #cbd6e8; font-size: 1rem; line-height: 1.7; }
.cta-action { display: flex; flex-direction: column; align-items: flex-end; }
.cta-button { display: inline-flex; align-items: center; justify-content: space-between; gap: 16px; max-width: 100%; min-height: 56px; padding: 14px 24px; border: 1px solid #b4eb2b; border-radius: 999px; background: var(--lime); color: #152945; font-size: 1rem; font-weight: 800; line-height: 1.4; text-decoration: none; }
.cta-button:hover { background: #d8ff73; }
.cta-button:focus-visible { outline-color: #fff; }
.cta-button span:last-child { flex-shrink: 0; font-size: 1.2rem; }
.cta-benefits { display: flex; flex-wrap: wrap; justify-content: flex-end; gap: 8px 18px; margin: 22px 0 0; padding: 0; list-style: none; color: #cbd6e8; font-size: .78rem; font-weight: 600; }
.cta-benefits li:last-child { flex-basis: 100%; text-align: right; }
.cta-benefits span { margin-right: 3px; }
footer { padding: 48px 0 56px; border-top: 1px solid var(--line); background: #e9eef6; }
.footer-top { display: flex; justify-content: space-between; gap: 20px; margin-bottom: 22px; }
.footer-top .brand { font-size: .9rem; }
.disclaimer { max-width: 860px; margin: 0; color: var(--muted); font-size: .75rem; line-height: 1.7; }

@media (max-width: 900px) {
  .example-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .intro { grid-template-columns: 1fr; gap: 36px; }
  .hero-points { grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 18px; }
  .hero-points li { flex-direction: column; padding: 20px; }
}

@media (max-width: 800px) {
  .cta-inner { grid-template-columns: 1fr; gap: 36px; }
  .cta-action { align-items: flex-start; }
  .cta-benefits { justify-content: flex-start; }
  .cta-benefits li:last-child { text-align: left; }
  .calc-form, .result-panel { padding: 32px; }
  .calc-grid, .two-col { grid-template-columns: 1fr; }
  .result-panel { border-left: 0; border-top: 1px solid var(--line); border-radius: 0 0 19px 19px; }
  .result-value { font-size: 2.6rem; }
  .result-meta { min-height: 0; }
  .two-col { gap: 40px; }
  .faq { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
  .nav { min-height: 80px; padding-block: 16px; flex-wrap: wrap; gap: 0 12px; }
  .nav > .brand { min-width: 0; max-width: calc(100% - 56px); }
  .nav .brand-symbol { flex-shrink: 0; }
  .nav-links { flex: 0 0 100%; flex-direction: column; gap: 0; margin-top: 16px; padding-top: 12px; border-top: 1px solid var(--line); font-size: .95rem; }
  .nav-links a { display: flex; align-items: center; min-height: 48px; padding: 12px; border-radius: 6px; color: var(--ink); }
  .nav-links a:hover { background: #eaf0ff; }
  .menu-ready .menu-toggle { display: grid; place-items: center; }
  .menu-ready .nav-links { display: none; }
  .menu-ready .menu-toggle[aria-expanded="true"] + .nav-links { display: flex; }
}

@media (max-width: 540px) {
  .cta-button { width: 100%; padding-inline: 20px; }
  .wrap { width: calc(100% - 32px); }
  .nav > .brand { gap: 10px; font-size: .95rem; }
  .hero { padding-top: 44px; }
  .hero-points { grid-template-columns: 1fr; }
  .hero-points li { flex-direction: row; }
  .lead { font-size: .95rem; }
  .calc-form, .result-panel { padding: 30px 20px; }
  .option-grid { grid-template-columns: 1fr; }
  .date-inputs { grid-template-columns: minmax(0, 1.1fr) minmax(0, 1fr); gap: 8px; }
  .date-inputs input, .date-inputs select { padding-inline: 8px; font-size: .9rem; }
  .stats { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 14px 10px; }
  .stats dd { overflow-wrap: anywhere; }
  .table-head, .footer-top { flex-direction: column; gap: 12px; }
  .table-section { padding: 28px 20px; }
  .sell-note { margin-inline: 0; padding: 24px 18px; }
  .example { padding: 28px 22px 32px; }
  .example-grid { grid-template-columns: 1fr; gap: 18px; margin-top: 24px; }
  .example-grid li { padding: 24px; }
  .faq { margin-top: 30px; }
  .faq summary { padding: 20px; }
  .faq details p { padding-inline: 20px; }
  .table-head h2 { font-size: 1.05rem; }
  th, td { padding-inline: 10px; }
}