html,body{margin:0}[hidden]{display:none!important}
/* Layout: same shell as the planner — inputs on the left, a sticky take-home panel on the right; stacks on phones */
:root{
  --bg:#f4f7f5; --surface:#ffffff; color-scheme:light; --ink:#0f1a16; --ink2:#34433d; --muted:#5b6a64; --faint:#94a29c; --line:#dfe6e2; --line2:#ecf1ee; --wash:#eef3f0;
  --brand:#059669; --brand-dark:#047857; --brand-ink:#ffffff; --brand-wash:#e2f5eb;
  --hero:#073f31; --hero-ink:#ecfdf5; --hero-line:rgb(236 253 245 / .14); --hero-fill:rgb(236 253 245 / .07);
  --good:#15803d; --warn:#b45309; --bad:#dc2626;
  --c-fed:#2a78d6; --c-fica:#4a3aa7; --c-state:#eb6834; --c-local:#e87ba4; --c-ben:#eda100; --c-keep:#1baf7a;
  --shadow:0 1px 2px rgb(15 26 22 / .04),0 4px 16px rgb(15 26 22 / .04);
  --sans:"Geist",ui-sans-serif,-apple-system,"Segoe UI",sans-serif; --mono:"Geist Mono",ui-monospace,Menlo,monospace; --r:12px;
}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]){
  --bg:#0b1210; --surface:#121b18; color-scheme:dark; --ink:#e6eeea; --ink2:#bac8c2; --muted:#8b9b94; --faint:#5f6f68; --line:#24322d; --line2:#1b2723; --wash:#18241f;
  --brand:#10b981; --brand-dark:#34d399; --brand-ink:#03251b; --brand-wash:#0e2c22; --hero:#0c3a2d;
  --good:#34d399; --warn:#fbbf24; --bad:#f87171;
  --c-fed:#4b93ea; --c-fica:#8b7cf0; --c-state:#f07c4c; --c-local:#ef94b8; --c-ben:#f0b429; --c-keep:#2cc68f; --shadow:0 1px 2px rgb(0 0 0 / .3);
}}
:root[data-theme="dark"]{
  --bg:#0b1210; --surface:#121b18; color-scheme:dark; --ink:#e6eeea; --ink2:#bac8c2; --muted:#8b9b94; --faint:#5f6f68; --line:#24322d; --line2:#1b2723; --wash:#18241f;
  --brand:#10b981; --brand-dark:#34d399; --brand-ink:#03251b; --brand-wash:#0e2c22; --hero:#0c3a2d;
  --good:#34d399; --warn:#fbbf24; --bad:#f87171;
  --c-fed:#4b93ea; --c-fica:#8b7cf0; --c-state:#f07c4c; --c-local:#ef94b8; --c-ben:#f0b429; --c-keep:#2cc68f; --shadow:0 1px 2px rgb(0 0 0 / .3);
}
*{box-sizing:border-box}
body{background:var(--bg);color:var(--ink);font-family:var(--sans);font-size:15px;line-height:1.55;padding-inline:20px;padding-block:0 64px;-webkit-font-smoothing:antialiased}
button,input,select{font-family:inherit;color:inherit}
:focus-visible{outline:2px solid var(--brand);outline-offset:2px}
::selection{background:color-mix(in srgb,var(--brand) 30%,transparent)}
a{color:var(--brand-dark);text-underline-offset:2px}
.wrap{max-width:1120px;margin:0 auto}
.top{display:flex;align-items:center;justify-content:space-between;gap:4px 12px;min-height:64px;border-bottom:1px solid var(--line);flex-wrap:wrap}
.logo{display:flex;align-items:center;gap:8px;font:600 1.05rem var(--sans);letter-spacing:-.02em;color:var(--ink);text-decoration:none}
.logo i{width:22px;height:22px;border-radius:6px;background:var(--brand);position:relative;flex:none}
.logo i::after{content:"";position:absolute;left:5px;right:5px;bottom:5px;height:3px;border-radius:1px;background:var(--brand-ink)}
.top nav{display:flex;gap:2px;overflow-x:auto;scrollbar-width:none;min-width:0}
.top nav::-webkit-scrollbar{display:none}
.top nav a{white-space:nowrap}
@media (max-width:900px){.top{padding-top:10px}.top nav{order:3;width:calc(100% + 20px);margin:0 -10px 4px;padding-bottom:2px}}
.top nav a{font:500 .88rem var(--sans);color:var(--muted);text-decoration:none;padding:8px 10px;border-radius:6px}
.top nav a:hover{color:var(--ink);background:var(--wash)}
.top nav a[aria-current]{color:var(--brand-dark)}
.intro{padding-block:32px 22px;max-width:70ch}
.eyebrow{font:500 .78rem var(--sans);color:var(--muted)}
h1{font-weight:650;font-size:clamp(1.7rem,4vw,2.3rem);line-height:1.12;letter-spacing:-.035em;margin:6px 0 8px;text-wrap:balance}
h2{font-weight:600;font-size:1rem;letter-spacing:-.01em;margin:0}
.lede{color:var(--muted);margin:0;max-width:64ch}
.layout{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,400px);gap:20px;align-items:start}
@media (max-width:940px){.layout{grid-template-columns:minmax(0,1fr)}}
.form{display:flex;flex-direction:column;gap:16px;min-width:0}
.card{background:var(--surface);border:1px solid var(--line);box-shadow:var(--shadow);border-radius:var(--r);padding:22px;min-width:0;display:flex;flex-direction:column;gap:16px}
.card>.head{display:flex;flex-direction:column;gap:2px}
.card>.head p{margin:0;font-size:.85rem;color:var(--muted)}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:14px}
.field{display:flex;flex-direction:column;gap:6px;min-width:0}
.field>label,.lab{font:500 .85rem var(--sans);color:var(--ink2)}
.hint{font-size:.8rem;color:var(--muted)}
input[type=number],input[type=text],select{background:var(--surface);border:1px solid var(--line);border-radius:8px;padding:9px 11px;font-size:.95rem;width:100%;min-width:0;transition:border-color .15s,box-shadow .15s;font-variant-numeric:tabular-nums}
input:hover,select:hover{border-color:var(--faint)}
input:focus,select:focus{outline:none;border-color:var(--brand);box-shadow:0 0 0 3px var(--brand-wash)}
.money,.pct,.unit{position:relative}
.money::before{content:"$";position:absolute;left:11px;top:50%;transform:translateY(-50%);color:var(--faint);pointer-events:none}
.money input{padding-left:22px}
.pct::after{content:"%";position:absolute;right:11px;top:50%;transform:translateY(-50%);color:var(--faint);pointer-events:none}
.pct input{padding-right:26px}
.unit::after{content:attr(data-u);position:absolute;right:11px;top:50%;transform:translateY(-50%);color:var(--faint);font-size:.85rem;pointer-events:none}
.unit input{padding-right:52px}
.seg{display:inline-flex;align-self:flex-start;background:var(--wash);border-radius:9px;padding:3px;gap:2px;flex-wrap:wrap}
.seg button{border:0;background:none;border-radius:7px;padding:6px 12px;font:500 .85rem var(--sans);color:var(--muted);cursor:pointer}
.seg button[aria-pressed="true"]{background:var(--surface);color:var(--ink);box-shadow:0 1px 2px rgb(0 0 0 / .08),0 0 0 1px var(--line)}
.check{display:flex;gap:10px;align-items:flex-start;cursor:pointer;font-size:.9rem}
.check input{width:17px;height:17px;accent-color:var(--brand);margin-top:2px;flex:none}
.check b{font-weight:500;color:var(--ink)}
.check span span{display:block;font-size:.8rem;color:var(--muted)}
details.more{border-top:1px solid var(--line2);padding-top:14px}
details.more>summary{cursor:pointer;font:500 .88rem var(--sans);color:var(--brand-dark);list-style:none;display:flex;align-items:center;gap:8px}
details.more>summary::-webkit-details-marker{display:none}
details.more>summary::before{content:"";width:7px;height:7px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(-45deg);transition:transform .15s}
details.more[open]>summary::before{transform:rotate(45deg)}
details.more>div{display:flex;flex-direction:column;gap:14px;margin-top:14px}
/* results */
.result{position:sticky;top:calc(env(safe-area-inset-top,0px) + 16px);display:flex;flex-direction:column;gap:16px;min-width:0}
.take{background:radial-gradient(120% 90% at 0% 0%,rgb(52 211 153 / .22),transparent 60%),var(--hero);color:var(--hero-ink);border-radius:var(--r);padding:22px;box-shadow:var(--shadow);display:flex;flex-direction:column;gap:4px}
.take .eyebrow{color:var(--hero-ink);opacity:.72}
.big{font:650 clamp(2.6rem,7vw,3.3rem)/1 var(--sans);letter-spacing:-.045em;margin:8px 0 4px;font-variant-numeric:tabular-nums}
.take .sub{opacity:.8;font-size:.92rem;font-variant-numeric:tabular-nums}
.bar{display:flex;height:10px;border-radius:5px;overflow:hidden;gap:2px;margin:16px 0 6px;background:var(--hero-fill)}
.bar i{display:block;height:100%;min-width:2px}
.trio{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));margin:12px -22px -22px;border-top:1px solid var(--hero-line)}
.trio div{padding:12px 16px 14px 22px;display:flex;flex-direction:column;gap:1px;background:var(--hero-fill)}
.trio div+div{border-left:1px solid var(--hero-line);padding-left:16px}
.trio small{font-size:.74rem;opacity:.72}
.trio b{font-weight:650;font-size:1rem;font-variant-numeric:tabular-nums}
.btn{font:600 .92rem var(--sans);border:1px solid var(--brand);border-radius:8px;padding:11px 16px;background:var(--brand);color:var(--brand-ink);cursor:pointer;display:flex;align-items:center;justify-content:center;gap:8px;text-decoration:none}
.btn:hover{filter:brightness(1.06)}
.take .btn{margin-top:16px;background:var(--hero-ink);border-color:var(--hero-ink);color:var(--hero)}
.lines{display:flex;flex-direction:column}
.lines .row{display:grid;grid-template-columns:10px minmax(0,1fr) auto;gap:10px;align-items:baseline;padding:9px 0;border-bottom:1px solid var(--line2);font-size:.9rem}
.lines .row:last-child{border-bottom:0}
.lines .row i{width:10px;height:10px;border-radius:3px;align-self:center}
.lines .row span small{display:block;color:var(--muted);font-size:.76rem}
.lines .row b{font-weight:600;font-variant-numeric:tabular-nums;white-space:nowrap}
.lines .row.tot{border-top:1px solid var(--line);border-bottom:0;margin-top:2px;font-weight:600}
.lines .row.tot b{font-weight:700}
.cardhead{display:flex;justify-content:space-between;align-items:center;gap:10px;flex-wrap:wrap}
.rates{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1px;background:var(--line2);border-radius:10px;overflow:hidden;border:1px solid var(--line2)}
.rates div{background:var(--surface);padding:10px 12px;display:flex;flex-direction:column}
.rates small{font-size:.75rem;color:var(--muted)}
.rates b{font-weight:650;font-variant-numeric:tabular-nums}
.tip{border:1px solid color-mix(in srgb,var(--brand) 30%,var(--line));background:var(--brand-wash);border-radius:10px;padding:12px 14px;font-size:.88rem;color:var(--ink2)}
.tip b{color:var(--ink)}
.fine{font-size:.78rem;color:var(--muted);margin:0}
.content{max-width:720px;margin:64px auto 0}
.content h2{font-size:1.25rem;margin:36px 0 10px;letter-spacing:-.02em}
.content h3{font-size:.98rem;margin:22px 0 4px}
.content p,.content li{color:var(--ink2);max-width:65ch}
footer{max-width:720px;margin:48px auto 0;padding-top:20px;border-top:1px solid var(--line);color:var(--muted);font-size:.8rem}
footer div{display:flex;gap:18px;margin-top:10px;flex-wrap:wrap}footer a{color:var(--muted)}
.toast{position:fixed;left:50%;bottom:24px;transform:translateX(-50%);background:var(--ink);color:var(--surface);padding:10px 16px;border-radius:8px;font-size:.88rem;font-weight:500;z-index:20}
@media (max-width:620px){body{padding-inline:16px}.card{padding:18px}.take{padding:18px}.trio{margin:12px -18px -18px}.trio div{padding:10px 10px 12px 18px}.trio div+div{padding-left:10px}.top nav a.hide-sm{display:none}}
.mbar{display:none}
@media (max-width:940px){
  .mbar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:10;align-items:center;justify-content:space-between;gap:12px;padding:12px 16px calc(12px + env(safe-area-inset-bottom,0px));background:var(--hero);color:var(--hero-ink);text-decoration:none;box-shadow:0 -6px 20px rgb(0 0 0 / .15)}
  .mbar small{display:block;font-size:.74rem;opacity:.75}.mbar b{font-size:1.25rem;font-variant-numeric:tabular-nums;letter-spacing:-.02em}
  .mbar span:last-child{font:600 .85rem var(--sans);background:var(--hero-fill);border:1px solid var(--hero-line);border-radius:8px;padding:8px 12px;white-space:nowrap}
  body{padding-bottom:96px}.result{position:static;scroll-margin-top:12px}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important}}

/* shared tool-page pieces */
.lab-row{display:flex;justify-content:space-between;gap:10px;align-items:baseline}
.result-big-neg{color:var(--bad-on-hero,#fecaca)}
.pill{display:inline-flex;align-items:center;gap:5px;font:500 .76rem var(--sans);white-space:nowrap;color:var(--muted)}
.pill::before{content:"";width:6px;height:6px;border-radius:50%;background:currentColor}
.pill.good{color:var(--good)}.pill.warn{color:var(--warn)}.pill.bad{color:var(--bad)}
.content ul{padding-left:20px}

/* language switch button: always visible in the header */
.lang-btn{display:inline-flex;align-items:center;gap:6px;border:1px solid var(--line);border-radius:999px;padding:5px 12px;font:600 .82rem var(--sans);color:var(--ink)!important;background:var(--surface);text-decoration:none;white-space:nowrap;flex:none}
.lang-btn:hover{border-color:var(--brand)}
.lang-btn svg{width:14px;height:14px;color:var(--muted)}
/* sources list */
.srcs{list-style:none;padding:0;margin:8px 0 0;display:flex;flex-direction:column;gap:6px;font-size:.88rem}
.srcs a{color:var(--brand-dark)}
.srcs span{color:var(--muted)}