:root{--bg: #f7faf9;--surface: #ffffff;--ink: #14201e;--ink-soft: #4b5d59;--muted: #7b8a86;--line: #e2e9e7;--accent: #0f766e;--accent-strong: #115e59;--accent-soft: #e6f2f0;--gold: #b7791f;--danger: #b91c1c;--radius: 14px;--shadow: 0 1px 2px rgba(20, 32, 30, .06), 0 8px 24px rgba(20, 32, 30, .06);--font: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, "Apple Color Emoji", "Segoe UI Emoji", sans-serif;--mono: ui-monospace, SFMono-Regular, "SF Mono", Menlo, Consolas, monospace}*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{margin:0;font-family:var(--font);color:var(--ink);background:var(--bg);line-height:1.6;font-size:16px}a{color:var(--accent-strong);text-decoration:none}a:hover{text-decoration:underline}img,svg{max-width:100%;height:auto}.container{max-width:1080px;margin:0 auto;padding:0 20px}.site-header{background:var(--surface);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}.header-inner{display:flex;align-items:center;justify-content:space-between;height:64px}.brand{display:flex;align-items:center;gap:10px;font-weight:700;font-size:1.05rem;color:var(--ink)}.brand:hover{text-decoration:none}.brand img{width:30px;height:30px;border-radius:6px}.brand .accent{color:var(--accent)}.nav{display:flex;gap:22px;align-items:center}.nav a{color:var(--ink-soft);font-weight:500;font-size:.95rem}.nav a:hover{color:var(--accent-strong);text-decoration:none}.hero{padding:64px 0 40px;text-align:center}.hero h1{font-size:clamp(2rem,5vw,3rem);line-height:1.15;margin:0 0 16px;letter-spacing:-.02em}.hero p{font-size:1.15rem;color:var(--ink-soft);max-width:640px;margin:0 auto 28px}.btn{display:inline-flex;align-items:center;gap:8px;padding:11px 22px;border-radius:10px;font-weight:600;font-size:.95rem;border:1px solid transparent;cursor:pointer;transition:background .15s ease,border-color .15s ease}.btn-primary{background:var(--accent);color:#fff}.btn-primary:hover{background:var(--accent-strong);text-decoration:none}.btn-ghost{background:var(--surface);color:var(--ink);border-color:var(--line)}.btn-ghost:hover{border-color:var(--accent);color:var(--accent-strong);text-decoration:none}.grid{display:grid;gap:20px}.grid-3{grid-template-columns:repeat(auto-fill,minmax(280px,1fr))}.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow);transition:transform .15s ease,box-shadow .15s ease}.card:hover{transform:translateY(-2px);box-shadow:0 12px 28px #14201e1a}.card h3{margin:0 0 8px;font-size:1.1rem}.card p{margin:0 0 16px;color:var(--ink-soft);font-size:.95rem}.card .tag{display:inline-block;font-size:.72rem;font-weight:600;letter-spacing:.04em;text-transform:uppercase;color:var(--accent-strong);background:var(--accent-soft);padding:3px 8px;border-radius:6px;margin-bottom:10px}.section{padding:48px 0}.section-title{font-size:1.5rem;margin:0 0 20px;letter-spacing:-.01em}.calc-layout{display:grid;grid-template-columns:1fr 360px;gap:28px;align-items:start;padding:40px 0}@media(max-width:900px){.calc-layout{grid-template-columns:1fr}}.calc-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow);position:sticky;top:84px}@media(max-width:900px){.calc-card{position:static}}.field{margin-bottom:18px}.field label{display:block;font-weight:600;font-size:.9rem;margin-bottom:6px}.field .hint{display:block;font-size:.78rem;color:var(--muted);margin-top:4px}.field input,.field select{width:100%;padding:10px 12px;border:1px solid var(--line);border-radius:9px;font-size:1rem;font-family:var(--font);background:#fff;color:var(--ink)}.field input:focus,.field select:focus{outline:none;border-color:var(--accent);box-shadow:0 0 0 3px var(--accent-soft)}.field-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}.results{margin-top:24px;border-top:1px solid var(--line);padding-top:20px}.result-hero{font-size:2rem;font-weight:700;letter-spacing:-.02em;color:var(--accent-strong);line-height:1.1}.result-hero small{display:block;font-size:.85rem;font-weight:500;color:var(--muted);letter-spacing:0;margin-top:4px}.result-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:18px}.result-item{background:var(--bg);border-radius:10px;padding:12px 14px}.result-item .k{font-size:.78rem;color:var(--muted);text-transform:uppercase;letter-spacing:.04em;font-weight:600}.result-item .v{font-size:1.15rem;font-weight:700;margin-top:2px}.note{font-size:.82rem;color:var(--muted);margin-top:18px;line-height:1.5}.prose h2{font-size:1.35rem;margin-top:2.2em;margin-bottom:.5em;letter-spacing:-.01em}.prose h3{font-size:1.1rem;margin-top:1.8em}.prose p,.prose li{color:var(--ink-soft)}.prose ul,.prose ol{padding-left:1.4em}.prose li{margin-bottom:6px}table{width:100%;border-collapse:collapse;font-size:.9rem;margin:16px 0}th,td{text-align:left;padding:8px 10px;border-bottom:1px solid var(--line)}th{font-weight:600;color:var(--ink);background:var(--bg)}.scroll-x{overflow-x:auto}.site-footer{background:var(--surface);border-top:1px solid var(--line);padding:40px 0;margin-top:40px;color:var(--muted);font-size:.88rem}.site-footer .container{display:flex;flex-wrap:wrap;gap:24px;justify-content:space-between;align-items:flex-start}.disclosure{font-size:.78rem;color:var(--muted);max-width:640px}.breadcrumb{font-size:.85rem;color:var(--muted);margin-bottom:8px}.breadcrumb a{color:var(--muted)}.bars{display:flex;align-items:flex-end;gap:3px;height:120px;margin:16px 0 8px}.bars .bar{flex:1;border-radius:3px 3px 0 0;min-height:2px}.bar.principal{background:var(--accent)}.bar.interest{background:var(--gold)}.legend{display:flex;gap:18px;font-size:.8rem;color:var(--ink-soft)}.legend span{display:inline-flex;align-items:center;gap:6px}.legend i{width:10px;height:10px;border-radius:2px;display:inline-block}.debt-row{display:grid;grid-template-columns:2fr 1fr 1fr 1fr auto;gap:8px;align-items:center;margin-bottom:10px}.debt-row input{width:100%;padding:8px 10px;border:1px solid var(--line);border-radius:8px;font-size:.9rem}.debt-row .remove{background:none;border:none;color:var(--danger);cursor:pointer;font-size:1.2rem;line-height:1;padding:4px 6px}.debt-head{display:grid;grid-template-columns:2fr 1fr 1fr 1fr auto;gap:8px;font-size:.72rem;font-weight:600;color:var(--muted);text-transform:uppercase;letter-spacing:.04em;margin-bottom:6px}.link-cta{display:inline-flex;align-items:center;gap:6px;font-weight:600}.muted{color:var(--muted)}.mt-0{margin-top:0}.mb-0{margin-bottom:0}.mt-16{margin-top:16px}.mt-24{margin-top:24px}