@layer reset,base,components;
@layer reset{*{box-sizing:border-box}body,h1,h2,h3,p{margin:0}button,input,select{font:inherit}button,a,input,select,summary{touch-action:manipulation}img{max-width:100%}}
@layer base{:root{--ink:#193c32;--muted:#596861;--paper:#f5f4ed;--line:#d8ddd4;--orange:#b84b2d;--mint:#d7f0a7}body{font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;color:var(--ink);background:var(--paper);font-size:16px;line-height:1.6}a{color:inherit;text-underline-offset:4px}button{cursor:pointer}button:disabled{cursor:default;opacity:.5}:focus-visible{outline:3px solid #d16a33;outline-offset:4px}h1,h2,h3{line-height:1.12;letter-spacing:-.04em}h1{font-size:clamp(2.4rem,5.3vw,4.4rem);font-weight:650;max-width:820px}h2{font-size:1.7rem}h3{font-size:1.18rem}p+p{margin-top:1rem}[hidden]{display:none!important}.wrap{max-width:1180px;margin:auto;padding:0 28px}.muted,small{color:var(--muted)}small{font-size:.8rem}.eyebrow{text-transform:uppercase;letter-spacing:.13em;font-size:.72rem;font-weight:750}.skip{position:absolute;top:-100px}.skip:focus{top:8px;background:white;padding:10px;z-index:10}header{border-bottom:1px solid var(--line)}header .wrap{display:flex;justify-content:space-between;align-items:center;gap:20px;min-height:87px}.brand{font-weight:750;letter-spacing:-.05em;font-size:1.5rem;text-decoration:none;white-space:nowrap}.mark{display:inline-grid;place-content:center;background:var(--ink);color:var(--mint);width:34px;height:34px;border-radius:9px;margin-right:8px;font-size:21px}header nav{display:flex;gap:24px;font-size:.85rem}footer{border-top:1px solid var(--line);margin-top:64px;padding:28px 0 38px;font-size:.85rem}footer .wrap{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap}footer nav{display:flex;gap:20px;flex-wrap:wrap}.draft{background:#fff1d6;border-bottom:1px solid #e9d9b7;padding:7px 28px;text-align:center;font-size:.78rem}.hero{padding:46px 0 30px}.hero .eyebrow{color:var(--orange);margin-bottom:18px}.hero p{max-width:640px;margin-top:18px;color:var(--muted);font-size:1.05rem}.verified{display:flex;gap:9px;align-items:center;font-size:.78rem;margin-top:22px;flex-wrap:wrap}.dot{width:7px;height:7px;background:#518348;border-radius:100%}.tabs{display:flex;gap:5px;border-bottom:1px solid var(--line);overflow-x:auto;margin:12px 0 28px;padding-bottom:0}.tabs a{padding:13px 16px;white-space:nowrap;text-decoration:none;font-size:.88rem;font-weight:600;border-bottom:3px solid transparent}.tabs a[aria-current=page]{border-color:var(--ink);background:#e9ede2}.calculator{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,1fr);gap:24px;align-items:start}.card{background:#fff;border:1px solid var(--line);border-radius:17px;padding:26px}.card-head{display:flex;justify-content:space-between;align-items:center;gap:16px;margin-bottom:22px}.step{font-size:.7rem;color:var(--muted);letter-spacing:.1em}.presets{display:flex;gap:7px;flex-wrap:wrap;margin:16px 0 24px}.presets button,.outline{border:1px solid var(--line);border-radius:7px;background:transparent;padding:8px 12px;font-size:.8rem;color:var(--ink)}.presets button:hover,.outline:hover{background:#edf2e6}.fields{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:24px}select{width:100%;padding:10px;border:1px solid #bfc9bf;border-radius:8px;background:white;color:var(--ink)}.field label{display:block;font-size:.8rem;font-weight:600;margin-bottom:5px}.input-wrap{display:flex;border:1px solid #bfc9bf;border-radius:8px;overflow:hidden;align-items:center;background:#fff}.input-wrap:focus-within{outline:2px solid var(--ink);outline-offset:2px}.input-wrap span{padding-left:11px;color:var(--muted);font-size:.85rem}.input-wrap input{width:100%;min-width:0;border:0;background:transparent;padding:10px 11px;color:var(--ink);font-variant-numeric:tabular-nums;outline:none}.field input[aria-invalid=true]{background:#fff0ec}.form-section{font-size:.92rem;letter-spacing:-.01em;margin:22px 0 13px}.primary{border:0;border-radius:8px;background:var(--ink);color:white;padding:13px 18px;font-weight:650;width:100%}.primary:hover{background:#285646}details{border-top:1px solid var(--line);padding:17px 0 5px}summary{cursor:pointer;font-size:.86rem;font-weight:650}details .fields{margin-top:18px}.hint{font-size:.77rem;color:var(--muted);margin:10px 0}.error{color:#9b2e1a;background:#fff0ec;padding:12px;border-radius:8px;margin:12px 0;font-size:.85rem}.results{background:var(--ink);color:white;border-radius:17px;padding:30px}.results .eyebrow{color:#c0d0c0}.big{font-size:clamp(2.8rem,4.2vw,4rem);line-height:1.2;letter-spacing:-.06em;color:var(--mint);margin:12px 0}.result-note{font-size:.85rem;color:#d4e0d4}.metrics{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin:23px 0;border-top:1px solid #527061;border-bottom:1px solid #527061;padding:20px 0}.metrics span{display:block;font-size:.75rem;color:#c0d0c0}.metrics strong{font-size:1.25rem;font-weight:600;letter-spacing:-.02em}.breakdown{margin-top:8px}.line{display:flex;justify-content:space-between;gap:20px;padding:9px 0;font-size:.85rem}.line strong{white-space:nowrap;font-variant-numeric:tabular-nums}.line.total{border-top:1px solid #527061;margin-top:7px;font-weight:650}.result-actions{display:flex;gap:8px;margin-top:18px;flex-wrap:wrap}.result-actions button{border:1px solid #82998c;background:transparent;border-radius:6px;color:white;padding:7px 11px;font-size:.8rem}.after-result{margin:16px 4px;font-size:.78rem;color:var(--muted)}.saved{margin-top:24px}.saved h3{margin-bottom:8px}.scenario-row{display:flex;align-items:center;justify-content:space-between;gap:10px;border-bottom:1px solid var(--line);padding:11px 0;font-size:.82rem}.scenario-row button{padding:5px 9px}.message{font-size:.8rem;margin-top:8px}.education{margin-top:44px;display:grid;grid-template-columns:1.2fr 1fr;gap:24px}.education h2{margin-bottom:20px}.education p{font-size:.92rem}.formula{background:#e8ede2;border-left:3px solid #56734c;padding:17px;margin:18px 0;font-family:ui-monospace,monospace;font-size:.82rem;overflow-wrap:anywhere}.example{background:#ede4d8;border-radius:13px;padding:25px}.example .eyebrow{color:var(--orange);margin-bottom:14px}.example h3{font-size:1.4rem;margin-bottom:16px}.example p{font-size:.88rem}.source-strip{border-top:1px solid var(--line);margin-top:32px;padding-top:22px;font-size:.8rem}.source-strip a{display:inline-block;margin:6px 18px 0 0}.ad-slot{display:none;min-height:110px;border:1px dashed var(--line);text-align:center;margin:44px 0 0;padding:30px;font-size:.75rem;color:var(--muted)}article.prose{max-width:790px;padding-top:48px}article.prose h1{font-size:3rem;margin-bottom:28px}article.prose h2{margin:34px 0 16px}article.prose h3{margin:24px 0 12px}article.prose li{margin:8px 0}article.prose table{width:100%;border-collapse:collapse;font-size:.86rem;margin:20px 0}td,th{text-align:left;padding:10px;border-bottom:1px solid var(--line)}.tool-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:17px;margin-top:30px}.tool-grid a{text-decoration:none}.tool-grid h2{font-size:1.35rem;margin:10px 0}.tool-grid p{font-size:.85rem}.bottom-cta{margin-top:34px;padding:30px;border:1px solid var(--line);border-radius:14px}.screen-reader{position:absolute;clip-path:inset(50%);width:1px;height:1px;overflow:hidden}@media(max-width:760px){.wrap{padding:0 18px}header .wrap{min-height:72px}header nav{gap:14px;font-size:.75rem}.brand{font-size:1.2rem}.mark{width:28px;height:28px;font-size:18px;margin-right:5px}.hero{padding-top:32px}.calculator,.education{grid-template-columns:1fr}.card,.results{padding:22px}.tabs a{padding:12px}.tool-grid{grid-template-columns:1fr}.big{font-size:3.4rem}.education{margin-top:30px}article.prose h1{font-size:2.3rem}footer{margin-top:40px}}@media(max-width:480px){header .wrap{flex-wrap:wrap;padding-top:12px;padding-bottom:12px;gap:8px}header nav{width:100%;gap:24px}.card-head .step{white-space:nowrap}.card-head h2{font-size:1.5rem}}@media(max-width:370px){.card-head .step{display:none}header nav{gap:8px}.fields{gap:10px}.card,.results{padding:17px}}@media print{header,.tabs,.draft,.result-actions,.saved,footer,.ad-slot,.presets,button{display:none!important}.calculator{display:block}.results{background:white;color:black;border:1px solid #aaa;margin-top:20px}.big,.results .eyebrow,.result-note,.metrics span{color:black}.education{display:block}.card{break-inside:avoid}.results{break-inside:avoid}}
}

/* Dark palette: explicit surfaces keep every calculator state readable. */
@layer components {
:root{color-scheme:dark;--ink:#edf3ef;--muted:#a8b8b0;--paper:#101714;--line:#42584c;--orange:#f0a17d;--mint:#d7f0a7}
header{background:#131d18}.mark{background:var(--mint);color:#183126}
.skip:focus,.card{background:#19251f}.draft{background:#30291d;border-color:#655437;color:#eed6a8}
.tabs a[aria-current=page]{background:#263b2f;border-color:var(--mint)}
.presets button:hover,.outline:hover{background:#2b4133}
select,.input-wrap{background:#111c16;border-color:#698573}
.input-wrap:focus-within{outline-color:var(--mint)}:focus-visible{outline-color:var(--mint)}
.primary{background:var(--mint);color:#142319}.primary:hover{background:#e6fac3}
.field input[aria-invalid=true],.error{background:#42271f;color:#ffc5b4}
.results{background:#203c2d;border:1px solid #527061;color:#f1f6f2}
.formula{background:#23362a;border-color:#a5cd87}.example{background:#302a22}
.dot{background:#b3db91}.result-actions button:hover{background:#365340}
.tool-grid a:hover{border-color:#a5cd87;background:#203127}
@media print{
:root{color-scheme:light;--ink:#193c32;--muted:#44554b;--paper:#fff;--line:#b6c0b9;--orange:#804025;--mint:#193c32}
body,.card,.results,.example,.formula,select,.input-wrap{background:#fff;color:#111}
.input-wrap input,.input-wrap span,.results .big,.results .eyebrow,.result-note,.metrics span{color:#111}
}
}