:root{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;color:#1b293f;background:#f8fafc}*{box-sizing:border-box}body{margin:0;background:radial-gradient(ellipse 80% 26% at 50% 0%,#e9f0fc,transparent),#f8fafc;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;-webkit-font-smoothing:antialiased}button,input,select{font:inherit}a{color:inherit;text-decoration:none}.wrap{max-width:1110px;width:calc(100% - 48px);margin:auto}.topbar{background:#ffffffbc;border-bottom:1px solid #e1e7f0}.topbar nav{height:82px;display:flex;align-items:center;gap:23px}.brand{display:inline-flex;align-items:center;font-size:26px;letter-spacing:-.065em;font-weight:800;gap:10px;white-space:nowrap}.brand .accent{color:#2864d8}.brand .period{color:#243044}.nav-product{border-left:1px solid #e4e9f1;padding-left:23px;font-weight:650;color:#64738a;font-size:14px}.topbar .toolunio-language-label{margin-left:auto}.hero{padding:59px 0 36px}.eyebrow{color:#3e6cc1;letter-spacing:.12em;font-size:11px;font-weight:800}.eyebrow.small{font-size:10px}.hero h1{font-size:clamp(36px,5vw,57px);letter-spacing:-.064em;line-height:1.15;margin:12px 0}.hero p{font-size:15px;color:#77869c;margin:0;line-height:1.7;max-width:750px}.workspace{display:grid;grid-template-columns:238px minmax(0,1fr);gap:23px;align-items:start}.sidebar,.mainpane{background:#fff;border:1px solid #e5eaf1;border-radius:21px;box-shadow:0 8px 27px #18375206}.sidebar{padding:19px 12px}.sidebar-title{font-size:11px;text-transform:uppercase;color:#98a4b4;letter-spacing:.09em;padding:7px 13px 15px;font-weight:750}.tool-links{display:grid;gap:5px}.tool-link{display:flex;align-items:center;gap:11px;padding:12px 13px;border-radius:11px;color:#54647b;font-size:13px;font-weight:650;line-height:1.3}.tool-link:hover{background:#f4f7fd;color:#2d5fc5}.tool-link.active{background:#edf3ff;color:#2155be}.tool-icon{font-size:17px;width:21px;line-height:1}.sidebar-note{font-size:11px;line-height:1.65;color:#9ba8b7;border-top:1px solid #eef1f5;margin:19px 13px 0;padding-top:16px}.mainpane{padding:27px 30px 29px}.pane-heading{display:flex;justify-content:space-between;align-items:start;gap:15px}.pane-heading h2{margin:7px 0 6px;letter-spacing:-.041em;font-size:27px;line-height:1.2}.pane-heading p{margin:0;color:#8996a7;font-size:12px;line-height:1.6}.year-chip{background:#f1f6fd;border:1px solid #e3eafa;color:#697d9b;padding:7px 10px;border-radius:20px;font-size:10px;font-weight:800;white-space:nowrap}.toolbar{display:flex;gap:13px;border-bottom:1px solid #edf0f5;padding:24px 0}.toolbar label{display:flex;flex-direction:column;gap:7px;width:50%;font-size:11px;font-weight:700;color:#728199}select,input{border:1px solid #dce4ef;border-radius:10px;background:#fff;color:#263751;padding:11px 12px;min-width:0;width:100%;outline-offset:2px}select:focus,input:focus{outline:2px solid #acc7ff;border-color:#a6c2ff}.calc-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,.93fr);gap:22px;margin-top:22px}.form-panel{display:grid;gap:14px;align-content:start}.field{display:flex;flex-direction:column;gap:6px;position:relative}.field label{font-size:11px;font-weight:750;color:#61718b}.field input,.field select{font-size:15px;font-weight:600;min-height:43px}.field small{font-size:10px;color:#97a3b3;line-height:1.4}.switch-label{display:flex;align-items:center;gap:10px;font-size:12px;color:#61718b}.switch-label input{width:17px;height:17px}.result-panel{background:#f5f8fd;border:1px solid #e5ecf6;border-radius:16px;padding:23px 19px;min-height:235px}.result-label{font-size:11px;font-weight:700;color:#70829c}.result-panel output{display:block;font-size:clamp(23px,3vw,34px);font-weight:800;letter-spacing:-.045em;color:#244d9a;margin:10px 0 4px;overflow-wrap:anywhere}.muted{font-size:11px;color:#95a2b6;line-height:1.6}.divider{height:1px;background:#e0e8f2;margin:21px 0 14px}.result-line{display:flex;justify-content:space-between;gap:10px;padding:7px 0;font-size:11px;color:#758399}.result-line strong{color:#283a54;font-size:12px;text-align:right}.mini-chart{margin-top:17px;display:flex;height:17px;overflow:hidden;border-radius:20px;background:#e9eef6}.mini-chart span{display:block;height:100%;min-width:0}.mini-chart .portion1{background:#427bda}.mini-chart .portion2{background:#b8cdf1}.secondary{margin-top:13px;background:#fff;color:#285db3;border:1px solid #ccd9ec;font-size:11px;font-weight:750;border-radius:9px;padding:10px 12px;cursor:pointer}.secondary:hover{background:#f2f6fe}.error{font-size:12px;color:#a12f33;margin-top:12px;line-height:1.5}.disclaimer{font-size:11px;line-height:1.65;background:#fafbfe;border:1px solid #ebeff5;border-radius:10px;padding:12px 14px;color:#71829a;margin-top:21px}.explain{border-top:1px solid #edf0f5;margin-top:24px;padding-top:16px}.explain h3{font-size:14px;margin:0 0 7px}.explain p,.references{font-size:11px;color:#7e8a9c;line-height:1.75;margin:0}.references{margin-top:13px}.references a{color:#3066c1;text-decoration:underline;text-underline-offset:2px}.references a+a:before{content:" · ";color:#8b97a8}.note{padding:38px 0 27px}.note h2{font-size:20px;letter-spacing:-.035em;margin:0 0 6px}.note p{font-size:12px;line-height:1.7;color:#8190a6}.foot{border-top:1px solid #e3e9f0;color:#98a5b7;font-size:11px;display:flex;justify-content:space-between;padding:21px 0 33px}.foot a:hover{color:#2864d8}@media(max-width:850px){.workspace{grid-template-columns:1fr}.sidebar{padding:12px}.sidebar-title,.sidebar-note{display:none}.tool-links{grid-template-columns:repeat(5,minmax(0,1fr));gap:5px}.tool-link{padding:11px 5px;text-align:center;flex-direction:column;font-size:10px;gap:7px}.mainpane{padding:23px}.hero{padding-top:40px}}@media(max-width:590px){.wrap{width:calc(100% - 28px)}.topbar nav{height:70px;gap:11px}.brand{font-size:22px;gap:6px}.brand img{width:30px}.nav-product{display:none}.hero{padding-top:29px;padding-bottom:22px}.hero h1{font-size:38px}.workspace{gap:12px}.mainpane{padding:19px 16px}.pane-heading h2{font-size:23px}.calc-grid{grid-template-columns:1fr}.result-panel{min-height:0}.toolbar{gap:9px;padding:18px 0}.toolbar label{font-size:10px}.field input,.field select{font-size:16px}.tool-link{font-size:10px}.tool-icon{font-size:19px}.note{padding:27px 4px 19px}}@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto}}

.finance-fx{display:flex;gap:9px;align-items:center;flex-wrap:wrap;padding:7px 0 18px;font-size:12px;color:#62758c}.finance-fx label{display:inline-flex;align-items:center;gap:8px;color:#31455c;font-weight:650}.finance-fx input{accent-color:#2165d8;width:17px;height:17px}.finance-fx a{color:#2165d8;font-weight:650}.finance-fx a[hidden]{display:none}@media(max-width:650px){.finance-fx{flex-direction:column;align-items:flex-start}}

.advanced-options{margin:4px 0;border:1px solid #e3eaf4;border-radius:12px;background:#fafcff;padding:11px 13px}.advanced-options summary{font-size:12px;font-weight:750;color:#315a9d;cursor:pointer}.advanced-inner{padding-top:17px;display:grid;gap:14px}.comparison-panel{margin-top:15px;border-top:1px solid #e0e8f2;padding-top:12px}.comparison-panel[hidden],.schedule-panel[hidden]{display:none}.comparison-heading{color:#506581;font-size:11px;font-weight:750;margin-bottom:4px}.action-row{display:flex;flex-wrap:wrap;gap:7px;margin-top:12px}.action-row .secondary{margin-top:0}.schedule-panel{border:1px solid #e5ebf4;border-radius:12px;padding:15px 14px;margin-top:20px}.schedule-panel>details>summary{font-weight:750;color:#315a9d;font-size:13px;cursor:pointer}.schedule-inner{padding-top:15px}.schedule-controls{display:flex;justify-content:space-between;align-items:center;gap:10px;margin-bottom:12px;font-size:11px;color:#758299}.schedule-controls select{width:150px;font-size:12px;padding:8px}.schedule-scroll{overflow-x:auto;max-height:345px;overflow-y:auto;border:1px solid #e9eef7;border-radius:9px}table.schedule-table{width:100%;border-collapse:collapse;font-size:11px;text-align:right;font-variant-numeric:tabular-nums}table.schedule-table th,table.schedule-table td{padding:9px 10px;white-space:nowrap;border-bottom:1px solid #eff2f6}table.schedule-table th{background:#f5f8fd;position:sticky;top:0;color:#5a6b83;font-size:10px}table.schedule-table th:first-child,table.schedule-table td:first-child{text-align:left}.balance-chart{display:block;width:100%;height:128px;margin-bottom:13px}.copy-hint{font-size:10px;color:#667790;margin-top:5px}@media(max-width:590px){.schedule-panel{padding:12px 9px}.schedule-scroll{max-height:260px}.balance-chart{height:105px}}

@media print{body{background:#fff!important;color:#111}header.topbar,.sidebar,.hero,.finance-fx,.toolbar,.action-row,.schedule-controls,.foot,.note{display:none!important}.wrap{width:100%;max-width:none}.workspace{display:block}.mainpane{box-shadow:none;border:0;padding:0}.calc-grid{grid-template-columns:1fr 1fr}.form-panel{gap:5px}.field input,.field select{border:0;border-bottom:1px solid #ddd;padding:5px;height:auto}.advanced-options{background:#fff}.schedule-panel{break-inside:avoid}.schedule-scroll{max-height:none;overflow:visible}.result-panel{background:#fff;border:1px solid #ddd}.explain,.disclaimer{font-size:10px}.balance-chart{height:80px}button,summary{print-color-adjust:exact}}

@media(max-width:850px){.tool-links{display:flex;overflow-x:auto;scrollbar-width:thin;gap:6px}.tool-link{flex:0 0 108px;min-width:108px;white-space:normal;justify-content:center}}

.workspace,.sidebar,.mainpane{min-width:0}
@media(max-width:850px){.workspace{grid-template-columns:minmax(0,1fr)}.tool-links{width:100%;max-width:100%;min-width:0}}
.workspace,.sidebar,.mainpane{min-width:0}
@media(max-width:850px){.workspace{grid-template-columns:minmax(0,1fr)}.tool-links{width:100%;max-width:100%;min-width:0}}

.tool-link{min-width:0}.tool-links{min-width:0}
@media(max-width:850px){.tool-links{overscroll-behavior-x:contain;-webkit-overflow-scrolling:touch}}

/* Country selects rules and currency; language independently selects text. */
.topbar nav .header-country{margin-left:auto;display:flex;align-items:center;gap:8px;min-width:0;font-size:11px;font-weight:700;color:#667892;white-space:nowrap}.header-country select{width:min(220px,28vw);max-width:100%;font-size:13px;font-weight:650;padding:9px 28px 9px 11px;min-height:38px}.topbar nav .toolunio-language-label{margin-left:0}.country-context{display:flex;align-items:center;flex-wrap:wrap;gap:9px;padding:17px 0 8px;color:#7a899d;font-size:12px}.country-context strong{font-size:13px;color:#263d62;font-weight:750;letter-spacing:.01em;padding:6px 9px;background:#f0f4fb;border-radius:8px}.country-model{font-size:11px;color:#566b89}.finance-fx{padding:4px 0 13px;display:block;border-bottom:1px solid #edf1f6}.finance-fx summary{font-size:11px;font-weight:650;color:#7387a2;cursor:pointer;list-style-position:inside}.finance-fx .fx-options{padding:11px 0 1px;display:flex;gap:10px;align-items:flex-start;flex-wrap:wrap}.fx-options #finance-fx-status{max-width:100%;line-height:1.5}.explain{margin-top:22px;border-top:1px solid #edf0f5;padding-top:16px}.explain summary{font-size:12px;font-weight:700;color:#617899;cursor:pointer}.explain-body{margin-top:13px}.explain .model-caveats{margin-top:10px;color:#8190a6;font-size:11px;line-height:1.6}.header-country:focus-within select{border-color:#8daee9}@media(max-width:590px){.topbar nav{gap:7px}.brand{font-size:19px;gap:3px}.brand img{width:26px;height:26px}.header-country{gap:3px!important}.header-country>span{display:none}.header-country select{width:112px;max-width:112px;font-size:11px;padding:7px 17px 7px 7px;min-height:34px}.topbar nav .toolunio-language-label{min-width:0;width:94px}.topbar nav .toolunio-language-label select{width:94px!important;max-width:94px!important;font-size:11px!important;padding:7px 16px 7px 7px!important}.country-context{gap:6px}.finance-fx .fx-options{flex-direction:column}}@media print{.header-country,.finance-fx,.explain{display:none!important}}

#country-feedback{font-size:10px;color:#527399;font-weight:550}#country-feedback:empty{display:none}