*,:after,:before{box-sizing:border-box;margin:0;padding:0}:root{--md-primary:#1a73e8;--md-primary-hover:#1765cc;--md-on-primary:#ffffff;--md-surface:#ffffff;--md-surface-dim:#f8f9fa;--md-surface-container:#f1f3f4;--md-surface-container-high:#e8eaed;--md-on-surface:#202124;--md-on-surface-variant:#5f6368;--md-outline:#dadce0;--md-outline-variant:#e8eaed;--md-error:#d93025;--md-elevation-1:0 1px 2px 0 rgba(60,64,67,0.3),0 1px 3px 1px rgba(60,64,67,0.15);--md-elevation-2:0 1px 2px 0 rgba(60,64,67,0.3),0 2px 6px 2px rgba(60,64,67,0.15);--md-shape-sm:8px;--md-shape-md:12px;--md-shape-lg:16px;--md-spacing-xs:4px;--md-spacing-sm:8px;--md-spacing-md:16px;--md-spacing-lg:24px;--md-spacing-xl:32px;--top-bar-bg:#2c2c2c;--top-bar-text:#d4cfc4;--option-1-border:#8ab4d4;--option-2-border:#c4a882;--text-base:14px;--text-sm:12px}@media (prefers-color-scheme:dark){:root:not([data-theme=light]){--md-primary:#8ab4f8;--md-primary-hover:#aecbfa;--md-on-primary:#202124;--md-surface:#343434;--md-surface-dim:#2a2a2a;--md-surface-container:#3e3e3e;--md-surface-container-high:#484848;--md-on-surface:#d4cfc4;--md-on-surface-variant:#9a9689;--md-outline:#4a4a4a;--md-outline-variant:#4a4a4a;--md-error:#f28b82;--md-elevation-1:0 1px 3px 0 rgba(0,0,0,0.5),0 1px 2px 0 rgba(0,0,0,0.3);--md-elevation-2:0 2px 6px 0 rgba(0,0,0,0.5),0 1px 4px 0 rgba(0,0,0,0.3);--top-bar-bg:#2a2a2a;--top-bar-text:#d4cfc4;--option-1-border:#8ab4d4;--option-2-border:#c4a882}}:root[data-theme=dark]{--md-primary:#8ab4f8;--md-primary-hover:#aecbfa;--md-on-primary:#202124;--md-surface:#343434;--md-surface-dim:#2a2a2a;--md-surface-container:#3e3e3e;--md-surface-container-high:#484848;--md-on-surface:#d4cfc4;--md-on-surface-variant:#9a9689;--md-outline:#4a4a4a;--md-outline-variant:#4a4a4a;--md-error:#f28b82;--md-elevation-1:0 1px 3px 0 rgba(0,0,0,0.5),0 1px 2px 0 rgba(0,0,0,0.3);--md-elevation-2:0 2px 6px 0 rgba(0,0,0,0.5),0 1px 4px 0 rgba(0,0,0,0.3);--top-bar-bg:#2a2a2a;--top-bar-text:#d4cfc4;--option-1-border:#8ab4d4;--option-2-border:#c4a882}body{font-family:Inter,-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,sans-serif;background:var(--md-surface-dim);background-image:radial-gradient(circle,var(--md-outline) .5px,transparent .5px);background-size:24px 24px;color:var(--md-on-surface);font-size:var(--text-base);line-height:1.5;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}.top-bar{background:var(--top-bar-bg);border-bottom:none;padding:14px var(--md-spacing-lg);display:flex;align-items:center;gap:var(--md-spacing-md);position:relative}.top-bar-inner{max-width:1200px;margin:0 auto;width:100%;padding:0 var(--md-spacing-lg)}.top-bar h1{font-family:Cormorant Garamond,Georgia,serif;font-size:26px;font-weight:700;font-style:italic;color:var(--top-bar-text);letter-spacing:.01em;line-height:1.2}.top-bar 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label:hover{color:var(--md-on-surface)}.controls input[type=checkbox]{-webkit-appearance:none;-moz-appearance:none;appearance:none;width:18px;height:18px;border:2px solid var(--md-on-surface-variant);border-radius:2px;cursor:pointer;position:relative;flex-shrink:0}.controls input[type=checkbox]:checked{background:var(--md-primary);border-color:var(--md-primary)}.controls input[type=checkbox]:checked:after{content:"";position:absolute;left:4px;top:1px;width:6px;height:10px;border:solid var(--md-on-primary);border-width:0 2px 2px 0;transform:rotate(45deg)}.controls input[type=checkbox]:focus-visible{outline:2px solid var(--md-primary);outline-offset:2px}.status-loading{color:var(--md-on-surface-variant)}.status-error,.status-loading{font-size:var(--text-base);padding:var(--md-spacing-lg) 0}.status-error{color:var(--md-error)}.status-empty{color:var(--md-on-surface-variant);font-size:var(--text-base);padding:var(--md-spacing-lg) 0}.tooltip-wrap{position:relative;display:inline-flex}.tooltip-wrap .tooltip-icon{display:inline-flex;align-items:center;justify-content:center;width:16px;height:16px;border-radius:50%;border:1.5px solid var(--md-on-surface-variant);font-size:var(--text-sm);font-weight:500;color:var(--md-on-surface-variant);cursor:help}.tooltip-wrap:hover .tooltip-icon{border-color:var(--md-primary);color:var(--md-primary)}.tooltip-wrap .tooltip-text{display:none;position:absolute;left:50%;top:100%;transform:translateX(-50%);margin-top:8px;padding:8px 12px;background:var(--md-on-surface);color:var(--md-surface);font-size:var(--text-sm);line-height:1.4;border-radius:var(--md-shape-sm);width:360px;white-space:normal;z-index:10;pointer-events:none;box-shadow:var(--md-elevation-2)}.tooltip-wrap:hover .tooltip-text{display:block}.calc-section{margin-top:var(--md-spacing-lg)}.calc-section h2{font-size:16px;font-weight:500}.calc-paragraph,.calc-section h2{margin-bottom:var(--md-spacing-md);color:var(--md-on-surface)}.calc-paragraph{font-size:var(--text-base);line-height:2.2}.calc-paragraph:last-child{margin-bottom:0}.inline-select{-webkit-appearance:none;-moz-appearance:none;appearance:none;display:inline-block;font-size:var(--text-base);font-family:inherit;font-weight:500;color:var(--md-primary);background:transparent;border:none;border-bottom:2px solid var(--md-primary);padding:0 18px 1px 0;cursor:pointer;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='10' height='6'%3E%3Cpath d='M0 0l5 6 5-6z' fill='%231a73e8'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 2px center;vertical-align:baseline}.inline-select:focus{outline:none;border-bottom-color:var(--md-primary-hover)}.inline-input{display:inline-block;font-size:var(--text-base);font-family:inherit;font-weight:500;color:var(--md-primary);background:transparent;border:none;border-bottom:2px solid var(--md-outline);padding:0 2px 1px;text-align:center;vertical-align:baseline}.inline-input:focus{outline:none;border-bottom-color:var(--md-primary)}.inline-input.input-rate{width:60px}.inline-input.input-amount{width:90px}.inline-input.input-months,.inline-input.input-years{width:36px}.inline-input.input-payment{width:80px}.inline-input.input-pct{width:50px}.options-table{display:flex;flex-direction:column;gap:var(--md-spacing-md)}.option-row{display:flex;align-items:stretch;gap:var(--md-spacing-lg);padding-bottom:var(--md-spacing-md);border-bottom:1px solid var(--md-outline-variant)}.option-row:first-child{border-left:3px solid var(--option-1-border);padding-left:var(--md-spacing-md)}.option-row:last-child{border-bottom:none;padding-bottom:0;border-left:3px solid var(--option-2-border);padding-left:var(--md-spacing-md)}.option-text{flex:1 1;min-width:0}.option-benefit{flex:0 0 380px;display:flex;align-items:flex-start}.benefit-sum{font-size:var(--text-base);padding:var(--md-spacing-md);border-radius:var(--md-shape-sm);background:var(--md-surface-dim);width:100%}.sum-row{display:flex;justify-content:space-between;padding:3px 0}.sum-row span:last-child{text-align:right;font-feature-settings:"tnum";font-variant-numeric:tabular-nums}.sum-rule{border:none;border-top:1px solid var(--md-outline);margin:var(--md-spacing-xs) 0}.sum-total{font-weight:600}.benefit-indicator{font-size:16px}.benefit-winner{background:#e6f4ea;color:#137333}.benefit-winner .benefit-indicator{color:#137333}.benefit-loser{background:#fce8e6;color:#c5221f}.benefit-loser .benefit-indicator{color:#c5221f}.benefit-close{background:#fef7e0;color:#b05a00}.benefit-close .benefit-indicator{color:#b05a00}@media (prefers-color-scheme:dark){:root:not([data-theme=light]) .benefit-winner{background:#1b3a2a;color:#81c995}:root:not([data-theme=light]) .benefit-winner .benefit-indicator{color:#81c995}:root:not([data-theme=light]) .benefit-loser{background:#3a1b1b;color:#f28b82}:root:not([data-theme=light]) .benefit-loser .benefit-indicator{color:#f28b82}:root:not([data-theme=light]) .benefit-close{background:#3a2e1b;color:#fdd663}:root:not([data-theme=light]) .benefit-close .benefit-indicator{color:#fdd663}}:root[data-theme=dark] .benefit-winner{background:#1b3a2a;color:#81c995}:root[data-theme=dark] .benefit-winner .benefit-indicator{color:#81c995}:root[data-theme=dark] .benefit-loser{background:#3a1b1b;color:#f28b82}:root[data-theme=dark] .benefit-loser .benefit-indicator{color:#f28b82}:root[data-theme=dark] .benefit-close{background:#3a2e1b;color:#fdd663}:root[data-theme=dark] .benefit-close .benefit-indicator{color:#fdd663}.chart-tooltip{background:var(--md-surface);padding:8px 12px;color:var(--md-on-surface)}.chart-tooltip,.share-btn{border:1px solid var(--md-outline);border-radius:var(--md-shape-sm);font-size:var(--text-base)}.share-btn{display:inline-flex;align-items:center;gap:6px;padding:6px 14px;font-family:inherit;font-weight:500;color:var(--md-primary);background:transparent;cursor:pointer;transition:background .15s}.share-btn:hover{background:var(--md-surface-container)}.share-btn:active{background:var(--md-surface-container-high)}.site-footer{max-width:1200px;margin:0 auto;padding:var(--md-spacing-lg) var(--md-spacing-lg) var(--md-spacing-xl);display:flex;justify-content:center;gap:var(--md-spacing-lg)}.site-footer a{font-size:var(--text-sm);color:var(--md-on-surface-variant);text-decoration:none}.site-footer a:hover{text-decoration:underline}.legal-page h2{font-size:var(--text-base);font-weight:600;margin-top:var(--md-spacing-lg);margin-bottom:var(--md-spacing-sm);color:var(--md-on-surface)}.legal-page p{margin-bottom:var(--md-spacing-md)}.legal-page p,.legal-page ul{font-size:var(--text-base);line-height:1.7;color:var(--md-on-surface-variant)}.legal-page ul{margin:0 0 var(--md-spacing-md) var(--md-spacing-lg)}.legal-page li{margin-bottom:var(--md-spacing-sm)}.legal-page a{color:var(--md-primary);text-decoration:none}.legal-page a:hover{text-decoration:underline}.timeline-container{padding:var(--md-spacing-md) 0}.timeline-track{position:relative;height:120px;margin:0 60px}.timeline-line{position:absolute;top:40px;left:0;right:0;height:2px;background:var(--md-outline)}.timeline-point{position:absolute;transform:translateX(-50%);display:flex;flex-direction:column;align-items:center}.timeline-dot{width:12px;height:12px;border-radius:50%;background:var(--md-primary);border:2px solid var(--md-surface);box-shadow:0 0 0 2px var(--md-primary);position:absolute;top:34px}.timeline-dot-today{background:var(--md-on-surface);box-shadow:0 0 0 2px var(--md-on-surface)}.timeline-label{position:absolute;top:10px;font-size:var(--text-base);font-weight:500;color:var(--md-on-surface);white-space:nowrap}.timeline-expectation{position:absolute;top:56px;display:flex;flex-direction:column;align-items:center;gap:2px;white-space:nowrap}.timeline-direction{font-size:var(--text-sm);font-weight:500}.timeline-probability{font-size:var(--text-sm);color:var(--md-on-surface-variant)}.charts-layout{display:flex;align-items:stretch;height:500px}.fixed-chart{flex:1 1;min-width:0}.floating-chart{width:200px;flex-shrink:0}@media (max-width:768px){.content{padding:var(--md-spacing-md)}.top-bar-inner{padding:0 var(--md-spacing-md)}.option-row{flex-direction:column;gap:var(--md-spacing-md)}.option-benefit{flex:none;width:100%}.tooltip-wrap .tooltip-text{width:auto;max-width:85vw;left:0;transform:none}.timeline-track{margin:0 30px}.floating-chart{width:160px}.charts-layout{height:420px}}@media (max-width:480px){body{font-size:var(--text-base)}.content{padding:var(--md-spacing-sm) 12px}.top-bar-inner{padding:0 12px}.charts-layout{flex-direction:column;height:auto}.fixed-chart{flex:none;height:350px}.floating-chart{flex:none;width:100%;height:200px}.controls input[type=checkbox]{width:22px;height:22px}.controls input[type=checkbox]:checked:after{left:5px;top:2px;width:7px;height:11px}.share-btn{padding:8px 16px;font-size:var(--text-base)}.inline-input.input-rate{width:65px}.inline-input.input-amount{width:100px}.inline-input.input-months,.inline-input.input-years{width:40px}.inline-input.input-payment{width:90px}.inline-input.input-pct{width:55px}.calc-paragraph{line-height:2.4}.timeline-track{margin:0 16px}.timeline-direction,.timeline-label,.timeline-probability{font-size:var(--text-sm)}.controls{flex-wrap:wrap;gap:var(--md-spacing-sm)}}