:root{color-scheme:light;--bg:#f6f8fc;--surface:#fff;--text:#15243e;--muted:#52627a;--line:#dbe2ec;--brand:#2457d6;--pale:#eaf0ff;--green:#08786c;--shadow:0 14px 48px #172d5510}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:25px}body{margin:0;background:var(--bg);color:var(--text);font:16px/1.65 system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}body.dark{color-scheme:dark;--bg:#101827;--surface:#192436;--text:#edf2ff;--muted:#b8c5da;--line:#37465d;--brand:#a1bbff;--pale:#253750;--green:#76dfc7;--shadow:none}a{color:var(--brand);text-underline-offset:4px}button,input,select,textarea{font:inherit}button,a,input,select,textarea{touch-action:manipulation}button{cursor:pointer}button:disabled{cursor:default;opacity:.65}:focus-visible{outline:3px solid #dc8200;outline-offset:4px}.skip{position:absolute;left:15px;top:-100px;z-index:10;background:var(--surface);padding:12px}.skip:focus{top:10px}.wrap{max-width:1160px;margin:auto;padding:0 28px}.header{background:var(--surface);border-bottom:1px solid var(--line)}.nav{min-height:86px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{font-size:21px;font-weight:800;color:var(--text);text-decoration:none;letter-spacing:-.6px;display:flex;align-items:center;gap:10px}.logo{background:#2457d6;color:white;border-radius:10px;width:35px;height:35px;display:grid;place-items:center;font-size:23px}.brand span:last-child{color:var(--brand)}.navlinks{display:flex;gap:25px;align-items:center}.navlinks a{font-size:14px;font-weight:600;text-decoration:none;color:var(--muted)}.theme{border:1px solid var(--line);border-radius:50%;background:var(--surface);color:var(--text);width:42px;height:42px}.eyebrow{font-size:12px;letter-spacing:2px;font-weight:750;color:var(--brand);text-transform:uppercase}.hero{padding:75px 0 62px;display:grid;grid-template-columns:1.06fr 1fr;gap:65px;align-items:center}h1{font-size:clamp(36px,4.5vw,57px);line-height:1.12;letter-spacing:-2px;margin:15px 0 22px;max-width:750px}h1 em{font-style:normal;color:var(--brand)}.lead{font-size:18px;color:var(--muted);max-width:650px}.hero .lead{max-width:470px}.pill{display:inline-block;font-size:12px;font-weight:650;color:var(--green);background:var(--surface);border:1px solid var(--line);border-radius:30px;padding:5px 12px}.checks{display:flex;gap:20px;color:var(--muted);font-size:13px;margin-top:22px}.checks span:before{content:'✓ ';color:var(--green)}.btn,button.primary{display:inline-flex;justify-content:center;align-items:center;gap:12px;background:#2457d6;border:1px solid #2457d6;color:white;padding:12px 22px;border-radius:9px;text-decoration:none;font-weight:650;min-height:48px}.btn:hover,button.primary:hover{background:#1946b4}.button-secondary{background:var(--surface);color:var(--text);border:1px solid var(--line);border-radius:8px;padding:10px 16px;min-height:44px}.hero-actions{display:flex;gap:12px;margin-top:30px;align-items:center}.hero-actions a:last-child{font-size:14px}.panel{background:var(--surface);border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow);overflow:hidden}.panel-head{padding:22px 26px;border-bottom:1px solid var(--line);display:flex;gap:12px;justify-content:space-between;align-items:center}.panel-head h2{font-size:17px;letter-spacing:-.3px;margin:0}.panel-head .eyebrow{font-size:10px;letter-spacing:1px}.calc-body{padding:26px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}.field{display:flex;flex-direction:column;gap:6px;font-size:13px;font-weight:650}.field.full{grid-column:1/-1}.field small{color:var(--muted);font-size:12px;font-weight:400}.input-wrap{position:relative}.input-wrap b{position:absolute;right:13px;top:10px;color:var(--muted);font-weight:500;pointer-events:none}input,select,textarea{width:100%;min-width:0;min-height:46px;padding:10px 12px;color:var(--text);background:var(--bg);border:1px solid var(--line);border-radius:7px}input.with-unit{padding-right:32px}textarea{min-height:100px}input:focus,select:focus,textarea:focus{border-color:var(--brand)}.field-note{font-size:12px;color:var(--muted);margin:12px 0 18px}.calc-buttons{display:flex;gap:10px;margin-top:20px;flex-wrap:wrap}.result{padding:22px;background:var(--pale);border-radius:10px;margin-top:22px;min-height:137px}.result-label{font-size:12px;color:var(--muted);font-weight:650}.result strong{display:block;font-size:40px;line-height:1.3;letter-spacing:-1px;color:var(--brand)}.result p{font-size:13px;color:var(--muted);margin:6px 0 0}.result.error{background:var(--bg);border:1px solid #c24b4b}.result.error strong{color:#c24b4b;font-size:19px}.privacy-note{font-size:11px;text-align:center;color:var(--muted);margin:14px 0 0}.section{padding:30px 0 50px}.section-title{display:flex;justify-content:space-between;align-items:end;margin-bottom:25px}.section-title h2{font-size:29px;letter-spacing:-1px;line-height:1.3;margin:5px 0}.section-title p{color:var(--muted);font-size:14px;margin:0}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{display:flex;flex-direction:column;padding:25px;border:1px solid var(--line);border-radius:13px;background:var(--surface);text-decoration:none;color:var(--text);transition:transform .15s,border-color .15s}.card:hover{transform:translateY(-3px);border-color:var(--brand)}.card-icon{width:40px;height:40px;display:grid;place-items:center;border-radius:10px;background:var(--pale);color:var(--brand);font-weight:750;margin-bottom:20px}.card h3{font-size:18px;line-height:1.35;margin:0 0 9px}.card p{font-size:14px;line-height:1.65;color:var(--muted);margin:0 0 18px}.card .arrow{margin-top:auto;color:var(--brand);font-size:13px;font-weight:650}.band{border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:35px 0;margin:10px 0 30px;background:var(--surface)}.band-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:38px}.band h3{font-size:16px;margin:0 0 5px}.band p{color:var(--muted);font-size:13px;margin:0}.page-hero{padding:44px 0 28px}.crumb{font-size:12px;color:var(--muted)}.page-hero h1{font-size:43px;margin-bottom:15px}.calculator-layout{display:grid;grid-template-columns:minmax(0,1.45fr) minmax(250px,.8fr);gap:30px;align-items:start}.aside{padding:26px}.aside h2{font-size:19px;margin-top:0}.aside li{font-size:14px;margin:13px 0;color:var(--muted)}.content{max-width:790px;margin:35px auto 65px}.content.wide{max-width:none}.content h2{font-size:27px;letter-spacing:-.65px;line-height:1.3;margin-top:38px}.content h3{font-size:20px;line-height:1.4}.content p,.content li{color:var(--muted)}.formula{font-family:ui-monospace,monospace;padding:20px;background:var(--pale);border-left:3px solid var(--brand);border-radius:5px;overflow-wrap:anywhere}.example{padding:22px;border:1px solid var(--line);border-radius:10px;background:var(--surface)}details{border-bottom:1px solid var(--line);padding:17px 0}summary{cursor:pointer;font-weight:650}details p{font-size:14px}.related{display:flex;gap:10px;flex-wrap:wrap}.related a{border:1px solid var(--line);border-radius:7px;padding:8px 14px;background:var(--surface);font-size:13px;text-decoration:none}.rows{display:grid;gap:10px;margin-top:18px}.data-row{display:grid;grid-template-columns:1fr 1fr 44px;gap:10px;align-items:end}.remove{min-height:46px;border:1px solid var(--line);background:var(--surface);color:var(--muted);border-radius:7px;font-size:21px}.row-actions{display:flex;gap:10px;margin-top:16px;flex-wrap:wrap}.scenarios{width:100%;border-collapse:collapse;font-size:13px;margin-top:15px}.scenarios th,.scenarios td{padding:8px;text-align:left;border-bottom:1px solid var(--line)}.status{padding:12px 18px;background:var(--pale);border-left:3px solid var(--brand);font-size:13px}.footer{border-top:1px solid var(--line);background:var(--surface);padding:38px 0 25px}.footer-top{display:flex;justify-content:space-between;gap:35px}.footer p{font-size:12px;color:var(--muted);max-width:380px}.footer-links{display:flex;gap:22px;flex-wrap:wrap;align-content:start}.footer-links a{font-size:12px;color:var(--muted);text-decoration:none}.footer-bottom{font-size:11px;color:var(--muted);padding-top:23px;margin-top:18px;border-top:1px solid var(--line);display:flex;justify-content:space-between;gap:20px}.guide-list{list-style:none;padding:0}.guide-list a{display:block;padding:20px 0;border-bottom:1px solid var(--line);text-decoration:none;font-weight:650}.guide-list small{display:block;font-weight:400;color:var(--muted);margin-top:5px}.table-scroll{overflow-x:auto}table.reference{width:100%;border-collapse:collapse;font-size:14px}table.reference th,table.reference td{padding:12px;border-bottom:1px solid var(--line);text-align:left}.noscript{padding:15px;background:#fff2c4;color:#332707}.mode-note{font-size:13px;color:var(--muted)}@media(max-width:850px){.hero{gap:30px;grid-template-columns:1fr 1fr}.hero h1{font-size:42px}.grid{grid-template-columns:repeat(2,1fr)}.calculator-layout{grid-template-columns:1fr}.aside{box-shadow:none}.navlinks{gap:15px}.hero .calc-body{padding:20px}.band-grid{gap:24px}}@media(max-width:620px){.wrap{padding:0 20px}.nav{min-height:74px;gap:12px;flex-wrap:wrap;padding:15px 0}.brand{font-size:18px}.navlinks{gap:15px}.navlinks a{font-size:12px}.theme{width:36px;height:36px}.hero{grid-template-columns:1fr;padding:39px 0 30px;gap:30px}.hero h1{font-size:43px}.hero .lead{font-size:16px}.checks{gap:12px;font-size:11px}.hero-actions{margin-top:22px}.grid{grid-template-columns:1fr}.section{padding:25px 0 30px}.section-title{display:block}.section-title p{margin-top:8px}.band-grid{grid-template-columns:1fr;gap:22px}.band{padding:28px 0}.form-grid{gap:13px}.calc-body{padding:20px}.panel-head{padding:18px 20px}.page-hero h1{font-size:35px;letter-spacing:-1px}.page-hero{padding-top:30px}.footer-top{flex-direction:column;gap:15px}.footer-bottom{flex-direction:column;gap:5px}.footer-links{gap:17px}.data-row{gap:7px}.field{font-size:12px}.calculator-layout{gap:20px}.content h2{font-size:25px}.result strong{font-size:36px}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}@media print{.header,.footer,.calc-buttons,.row-actions,.remove,.theme{display:none}body{background:white;color:black}.panel{box-shadow:none}.wrap{max-width:none}.calculator-layout{display:block}.aside{display:none}}
body.dark .result.error strong{color:#ffb0ab}
@media(max-width:620px){.hero-actions .btn{padding:12px 15px;font-size:14px;white-space:nowrap}.hero-actions a:last-child{font-size:12px}.hero-actions{gap:14px}}
@media(max-width:620px){.field:has(select){grid-column:1/-1}}

.tool-filters{display:grid;grid-template-columns:2fr 1fr;gap:20px;margin:24px 0 12px}[hidden]{display:none!important}.field textarea{min-height:110px}#tool-count{color:var(--muted);font-size:.9rem}@media(max-width:600px){.tool-filters{grid-template-columns:1fr}}
/* Calculator learning library: short, independent reading cards. */
.learning-hub{margin:58px 0 64px}.learning-intro{display:flex;align-items:center;justify-content:space-between;gap:20px;margin-bottom:22px}.learning-intro h2{font-size:30px;line-height:1.25;letter-spacing:-1px;margin:7px 0}.reading-time{font-size:12px;color:var(--muted)}.learning-nav{padding:20px 24px;border:1px solid var(--line);border-radius:14px;background:var(--surface);margin-bottom:24px}.learning-nav>span{display:block;font-size:12px;color:var(--muted);margin-bottom:10px;font-weight:700}.learning-nav>div{display:flex;flex-wrap:wrap;gap:8px}.learning-nav a{font-size:12px;text-decoration:none;border:1px solid var(--line);border-radius:24px;padding:7px 12px;min-height:38px;display:flex;align-items:center}.learning-nav a:hover{background:var(--pale);border-color:var(--brand)}.learning-visual{margin:0 0 24px;padding:30px;border-radius:20px;border:1px solid var(--line);background:var(--pale)}.visual-heading{display:flex;gap:16px;align-items:center;margin-bottom:28px}.visual-symbol{width:48px;height:48px;flex-shrink:0;display:grid;place-items:center;background:var(--surface);color:var(--brand);border-radius:13px;font-size:28px;font-weight:700}.visual-heading h2{font-size:25px;line-height:1.3;margin:5px 0 0;letter-spacing:-.5px}.visual-heading .eyebrow{font-size:10px;letter-spacing:1.2px}.infographic-flow{display:flex;gap:22px;padding:0;margin:0;list-style:none}.infographic-flow li{flex:1;min-width:0;position:relative;padding:22px 18px 18px;background:var(--surface);border:1px solid var(--line);border-radius:13px}.infographic-flow li+li:before{content:'→';position:absolute;left:-21px;top:48%;color:var(--brand);font-weight:800}.flow-number{display:grid;place-items:center;width:28px;height:28px;border-radius:50%;font-size:12px;background:#2457d6;color:white;font-weight:750;margin-bottom:13px}.flow-label{display:block;font-size:12px;font-weight:650;color:var(--muted)}.infographic-flow strong{display:block;color:var(--brand);font-size:clamp(20px,2.1vw,29px);line-height:1.3;letter-spacing:-.8px;margin:7px 0;overflow-wrap:anywhere}.infographic-flow p{font-size:12px;line-height:1.6;color:var(--muted);margin:0}.learning-visual figcaption{color:var(--muted);font-size:12px;margin-top:20px;max-width:85ch}.reading-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px}.learning-box{position:relative;padding:28px 30px;background:var(--surface);border:1px solid var(--line);border-radius:16px;scroll-margin-top:24px}.box-heading{display:flex;gap:12px;align-items:flex-start;margin-bottom:15px}.box-number{font-size:11px;color:var(--brand);background:var(--pale);border-radius:7px;padding:5px 7px;flex-shrink:0;font-weight:750}.learning-box h2{font-size:21px;line-height:1.35;letter-spacing:-.45px;margin:1px 0 0}.learning-box p,.learning-box li{font-size:15px;line-height:1.8;color:var(--muted);max-width:76ch}.learning-box p{margin:0 0 15px}.learning-box p:last-child{margin-bottom:0}.learning-box ul{padding-left:20px;margin:0}.learning-box li{margin:9px 0}.box-formula{border-top:3px solid var(--brand);grid-column:1/-1}.box-example{grid-column:1/-1}.box-formula p:first-of-type{font-family:ui-monospace,monospace;background:var(--pale);padding:16px 18px;border-radius:8px;overflow-wrap:anywhere;max-width:none}.box-pitfalls{border-top:3px solid #bb7b23}.anchor-target{position:absolute;top:0}.learning-faq{margin-top:24px;padding:28px 30px;border:1px solid var(--line);border-radius:16px;background:var(--surface)}.learning-faq h2{font-size:25px;letter-spacing:-.5px;margin:7px 0 12px}.learning-faq summary{line-height:1.5;padding-right:10px;min-height:28px}.learning-faq p{color:var(--muted);font-size:15px;line-height:1.8;max-width:85ch}.learning-faq details:last-child{border:0;padding-bottom:0}.next-tools{padding-top:28px}.next-tools h2{font-size:22px}.next-tools p{font-size:13px;color:var(--muted)}@media(max-width:850px){.infographic-flow{gap:16px}.infographic-flow li{padding:18px 12px}.infographic-flow li+li:before{left:-16px}.learning-box{padding:24px}.reading-grid{gap:16px}}@media(max-width:620px){.learning-hub{margin-top:36px}.learning-intro{display:block}.learning-intro h2{font-size:26px;margin-bottom:10px}.learning-nav{padding:18px}.learning-nav a{font-size:11px;padding:8px 11px}.learning-visual{padding:20px}.visual-heading{gap:12px;margin-bottom:22px}.visual-heading h2{font-size:22px}.visual-symbol{width:38px;height:38px;font-size:22px}.infographic-flow{flex-direction:column;gap:20px}.infographic-flow li{padding:18px 18px 18px 60px;min-height:114px}.flow-number{position:absolute;left:18px;top:18px}.infographic-flow li+li:before{content:'↓';top:-22px;left:29px}.infographic-flow strong{font-size:27px}.reading-grid{grid-template-columns:1fr}.learning-box{padding:22px}.learning-box h2{font-size:21px}.learning-box p,.learning-box li{font-size:15px;line-height:1.8}.learning-faq{padding:22px}.learning-faq h2{font-size:23px}.box-formula p:first-of-type{padding:12px;font-size:13px}.learning-nav a{min-height:42px}}@media print{.learning-nav,.next-tools{display:none}.learning-box,.learning-visual,.infographic-flow li{break-inside:avoid}.learning-faq details>p{display:block}.reading-grid{display:block}.learning-box{margin-bottom:16px}}