:root{color-scheme:light;--bg:#f6f7f3;--paper:#fff;--ink:#202c28;--muted:#6d7771;--line:#e6eae4;--green:#17684f;--soft:#eef5ee;--life:#267655;--child:#79a78b;--medical:#d5a35d;--housing:#a6afb7;--error:#b4302d;font-family:Inter,"Segoe UI","PingFang SC","Microsoft YaHei",sans-serif;font-synthesis:none}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:24px}body{margin:0;background:var(--bg);color:var(--ink);font-size:15px;line-height:1.6}button,input,textarea{font:inherit}a{color:inherit}button{cursor:pointer}button:disabled{cursor:not-allowed;opacity:.55}[hidden]{display:none!important}:focus-visible{outline:3px solid #4f987c;outline-offset:4px}.wrapper{width:min(1120px,calc(100% - 64px));margin-inline:auto}.site-header{height:96px;display:flex;align-items:center;justify-content:space-between;border-bottom:1px solid var(--line);gap:20px}.brand{display:inline-flex;align-items:center;gap:12px;font-size:17px;font-weight:650;text-decoration:none;letter-spacing:.02em}.brand-mark{display:grid;place-items:center;background:var(--green);color:#fff;border-radius:11px;width:36px;height:36px;font-size:22px;font-weight:500}.help-link{font-size:13px;color:var(--muted);text-decoration:none}.help-link span{margin-left:10px}.intro{padding:56px 0 36px}.eyebrow{color:var(--green);font-size:12px;letter-spacing:.14em;font-weight:600}h1{font-size:clamp(32px,4.4vw,50px);line-height:1.3;letter-spacing:-.035em;font-weight:650;margin:15px 0 16px}h1 br{display:none}h1 span{color:var(--green)}.intro>p{color:var(--muted);margin:0;font-size:15px}.calculator-layout{display:grid;grid-template-columns:minmax(0,1.16fr) minmax(0,1fr);gap:24px;align-items:start}.panel{background:var(--paper);border:1px solid var(--line);border-radius:22px;padding:30px}.section-heading{display:flex;align-items:center;justify-content:space-between;gap:10px;margin-bottom:28px}h2{font-size:17px;margin:0;font-weight:650}.section-heading h2{display:flex;align-items:center;gap:10px}.step{font-size:11px;color:var(--green);font-weight:500;letter-spacing:.04em;background:var(--soft);padding:3px 7px;border-radius:5px}.text-button{border:0;background:transparent;color:var(--muted);font-size:12px;padding:7px 0 7px 12px;min-height:32px}.text-button:hover{color:var(--green)}.fields{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:23px 18px}.field{min-width:0}.field-wide{grid-column:1/-1}label{display:block;font-size:13px;font-weight:550;margin-bottom:9px}label>span{color:var(--muted);font-size:11px;font-weight:400;margin-left:10px;display:inline-block}.input-wrap{position:relative}input[type=number]{width:100%;min-width:0;height:52px;border:1px solid #dce3dc;border-radius:11px;background:#fcfdfb;padding:10px 72px 10px 14px;color:var(--ink);font-size:19px;font-weight:500;font-variant-numeric:tabular-nums;appearance:textfield;-moz-appearance:textfield}input::-webkit-inner-spin-button,input::-webkit-outer-spin-button{-webkit-appearance:none;margin:0}input:focus{border-color:var(--green);background:#fff}input[aria-invalid=true]{border-color:var(--error)}.unit{position:absolute;right:14px;top:50%;transform:translateY(-50%);font-size:12px;color:var(--muted);pointer-events:none}.field-error{display:block;font-size:12px;color:var(--error);margin-top:6px;overflow-wrap:anywhere}.rate-section{border-top:1px solid var(--line);margin-top:28px;padding-top:22px}.rate-heading{display:flex;align-items:center;justify-content:space-between;gap:10px}.rate-heading label{margin:0}.rate-heading output{color:var(--green);font-weight:650;font-size:25px;font-variant-numeric:tabular-nums}.rate-heading output span{font-size:14px;margin-left:3px}.field-hint{color:var(--muted);font-size:12px;margin:2px 0 15px}input[type=range]{display:block;width:100%;margin:0;height:28px;accent-color:var(--green);cursor:ew-resize}.range-labels{display:flex;justify-content:space-between;color:var(--muted);font-size:11px;margin-top:5px}.privacy-note{border-top:1px solid var(--line);padding-top:18px;color:var(--muted);font-size:11px;margin:24px 0 0}.privacy-note span{color:var(--green);margin-right:4px}.result-panel{background:linear-gradient(145deg,#f4f8f0 0%,#fff 65%);position:sticky;top:24px}.badge{font-size:10px;border:1px solid #d8e3d6;border-radius:20px;padding:3px 9px;color:#67816d;white-space:nowrap}.result-label{font-size:13px;color:var(--muted);margin:0 0 6px}.total{display:flex;flex-wrap:wrap;align-items:baseline;gap:10px;margin:0;color:var(--green);line-height:1.2;font-variant-numeric:tabular-nums}.total strong{font-size:clamp(36px,4.3vw,57px);font-weight:650;letter-spacing:-.045em;overflow-wrap:anywhere;max-width:100%}.total>span{font-size:16px;white-space:nowrap}.result-caption{margin:14px 0 0;color:var(--muted);font-size:12px}.composition{display:flex;flex-direction:column;gap:18px;margin:30px 0}.part-heading{display:flex;justify-content:space-between;align-items:baseline;gap:12px;font-size:12px;margin-bottom:7px}.part-heading>span{display:flex;gap:8px;align-items:center;flex-shrink:0}.part-heading strong{font-size:14px;font-weight:550;font-variant-numeric:tabular-nums;text-align:right;overflow-wrap:anywhere}.part-heading strong>span{color:var(--muted);font-size:11px;font-weight:400;white-space:nowrap}.dot{width:7px;height:7px;border-radius:50%;display:inline-block;flex-shrink:0}.life{background:var(--life)}.child{background:var(--child)}.medical{background:var(--medical)}.housing{background:var(--housing)}.track{height:7px;background:#edf0e9;border-radius:7px;overflow:hidden}.bar{height:100%;border-radius:7px;transition:width .18s ease}.copy-button{display:flex;gap:10px;align-items:center;justify-content:center;min-height:48px;border:0;border-radius:11px;background:var(--green);color:#fff;width:100%;font-weight:550;font-size:14px;padding:12px 16px}.copy-button:hover:not(:disabled){background:#12523e}.copy-button span{font-size:21px;font-weight:400;line-height:1}.copy-status{font-size:12px;color:var(--green);margin:7px 0 0;min-height:19px;text-align:center}.result-note{font-size:11px;color:var(--muted);margin:12px 0 0;line-height:1.8}#copy-fallback{margin-top:12px}textarea{width:100%;resize:vertical;padding:12px;color:var(--ink);border:1px solid var(--line);border-radius:9px;font-size:13px;background:#fff}.method{margin:64px 0 0;padding:32px 0;border-top:1px solid var(--line)}.method-heading h2{margin-top:10px;font-size:22px;font-weight:550;letter-spacing:-.02em}.method-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:32px;margin-top:30px}.method-grid h3{font-size:13px;font-weight:600;margin:0 0 10px}.method-grid p{font-size:12px;color:var(--muted);margin:0 0 8px;line-height:1.9}.site-footer{border-top:1px solid var(--line);padding:23px 0 30px;color:var(--muted);font-size:11px;display:flex;gap:16px;justify-content:space-between;flex-wrap:wrap}.notice{padding:18px;border:1px solid var(--error);color:var(--error);border-radius:10px}
@media(min-width:1000px){.input-panel{padding-bottom:26px}.result-panel{min-height:638px}}
@media(max-width:800px){.wrapper{width:calc(100% - 40px);max-width:600px}.site-header{height:78px}.intro{padding:36px 0 28px}h1 br{display:block}.calculator-layout{grid-template-columns:1fr;gap:20px}.panel{padding:24px}.result-panel{position:static}.total strong{font-size:48px}.method{margin-top:40px}.method-grid{grid-template-columns:1fr;gap:18px}.method-heading h2{font-size:19px}.method-grid p{font-size:13px}.site-footer{flex-direction:column;gap:6px}}
@media(max-width:380px){.wrapper{width:calc(100% - 28px)}.panel{padding:20px}.brand{font-size:15px;gap:8px}.brand-mark{width:32px;height:32px}.help-link{font-size:12px}.fields{grid-template-columns:1fr;gap:18px}.field-wide{grid-column:auto}label>span{display:block;margin:3px 0 0}.total strong{font-size:40px}.badge{font-size:10px}.section-heading h2{font-size:15px}}
@media(pointer:coarse){button,.help-link{min-height:44px}.help-link{display:flex;align-items:center}input[type=range]{height:44px}.text-button{padding-block:10px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.bar{transition:none}}
.method-lead{max-width:740px;font-size:14px;color:var(--muted);line-height:1.9;margin:14px 0 0}.formula-box{margin:26px 0 30px;padding:24px 28px;background:var(--soft);border-radius:16px}.formula-label{font-size:12px;color:var(--green);font-weight:600}.formula-box p{font-size:16px;margin:10px 0 0;line-height:1.9;overflow-wrap:anywhere}.formula-box strong{font-weight:600}.formula-box .formula-detail{font-size:14px;color:var(--green);margin-top:9px}.method-steps{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:28px 36px;list-style:none;margin:0;padding:0}.method-steps li{display:flex;align-items:flex-start;gap:14px;min-width:0}.method-number{display:grid;place-items:center;width:30px;height:30px;flex-shrink:0;border-radius:8px;background:#e6eee4;color:var(--green);font-size:12px;font-variant-numeric:tabular-nums}.method-steps h3,.rate-explainer h3,.method-faq>h3{font-size:16px;font-weight:600;margin:1px 0 10px;line-height:1.6}.method-steps p{font-size:14px;color:var(--muted);line-height:1.9;margin:0}.method-steps .worked-line{margin-top:10px;color:var(--green);font-size:13px}.method-example{display:grid;grid-template-columns:1fr 1.15fr;gap:36px;padding:28px;margin-top:36px;border:1px solid var(--line);background:var(--paper);border-radius:16px}.example-intro h3{font-size:19px;margin:12px 0;font-weight:600}.example-intro p,.rate-explainer>p{font-size:14px;color:var(--muted);line-height:1.9;margin:0}.example-breakdown{margin:0;min-width:0;font-size:14px}.example-breakdown>div{display:flex;align-items:baseline;justify-content:space-between;gap:16px;padding:9px 0}.example-breakdown dt{color:var(--muted);flex-shrink:0}.example-breakdown dd{margin:0;text-align:right;font-variant-numeric:tabular-nums;overflow-wrap:anywhere}.example-breakdown strong{font-weight:600}.example-breakdown .example-total{border-top:1px solid var(--line);margin-top:8px;padding-top:16px;color:var(--green)}.example-total dt{color:var(--green)}.rate-explainer{margin-top:36px}.rate-table{border-collapse:collapse;width:100%;font-size:14px;font-variant-numeric:tabular-nums;margin-top:18px}.rate-table th,.rate-table td{text-align:right;padding:12px 16px;border-bottom:1px solid var(--line)}.rate-table th:first-child,.rate-table td:first-child{text-align:left}.rate-table th{font-weight:500;color:var(--muted)}.rate-table .default-rate{background:var(--soft);color:var(--green)}.rate-explainer .rate-footnote{font-size:12px;margin-top:12px}.method-faq{margin-top:36px}.method-faq details{border-bottom:1px solid var(--line);padding:18px 0}.method-faq summary{font-size:15px;font-weight:550;cursor:pointer}.method-faq details p{font-size:14px;color:var(--muted);line-height:1.9;margin:12px 0 0;max-width:920px}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
@media(max-width:800px){.method-steps{grid-template-columns:1fr;gap:25px}.method-example{grid-template-columns:1fr;gap:18px;padding:22px}.formula-box{padding:20px}.formula-box p{font-size:15px}.example-intro h3{font-size:17px}.method-lead{font-size:14px}.rate-table th,.rate-table td{padding:12px 7px;font-size:13px}}
@media(max-width:380px){.method-number{width:26px;height:26px}.method-steps li{gap:10px}.method-steps h3{font-size:15px}.example-breakdown>div{flex-wrap:wrap;gap:3px 12px}.example-breakdown dd{text-align:left}.rate-table th,.rate-table td{font-size:12px;padding:12px 4px}.formula-box{padding:16px}}
.text-ad{display:flex;align-items:baseline;gap:14px;margin:30px 0 0;padding:20px 24px;background:#fff6e9;border:1px solid #efdfc7;border-radius:14px}.ad-label{flex-shrink:0;font-size:11px;color:#866c4b;border:1px solid #d8c5a8;border-radius:4px;padding:1px 5px}.text-ad p{margin:0;font-size:15px;line-height:1.9;color:#665039;overflow-wrap:anywhere}.text-ad strong{color:#a94a17;font-weight:650}.text-ad+.method{margin-top:32px}@media(max-width:600px){.text-ad{padding:17px 18px;gap:10px}.text-ad p{font-size:14px}}