:root{--risk: #8a4a3b;--risk-soft: #f0e0db;--caution: #8a6a2b;--caution-soft: #f0e6d6;--steady: #3a5a4a;--clear: #2f4a3c;--clear-soft: #d8e6dd}.kicker{font-family:Newsreader,serif;font-style:italic;color:var(--ink-soft);font-size:1rem;letter-spacing:.02em;margin-bottom:14px}.kicker a{color:var(--ink-soft);text-decoration:none}.kicker a:hover{color:var(--accent)}.calc-h1{font-family:Fraunces,serif;font-weight:500;font-size:clamp(2.2rem,6vw,3.4rem);line-height:1.08;letter-spacing:-.02em;margin-bottom:20px}.lede{font-size:1.18rem;color:var(--ink-soft);max-width:60ch}.lede strong{color:var(--ink);font-weight:500}.calc-header{margin-bottom:48px}.lob section{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:36px 32px;margin-bottom:28px}.sec-label{font-family:Fraunces,serif;font-size:.82rem;text-transform:uppercase;letter-spacing:.14em;color:var(--accent);font-weight:600;margin-bottom:6px}.sec-title{font-family:Fraunces,serif;font-weight:500;font-size:1.5rem;margin-bottom:8px;letter-spacing:-.01em}.sec-note{color:var(--ink-soft);font-size:1rem;margin-bottom:26px}.field{margin-bottom:26px}.field:last-child{margin-bottom:0}.field label{display:flex;justify-content:space-between;align-items:baseline;font-size:1.02rem;margin-bottom:4px}.field .val{font-family:Fraunces,serif;font-weight:600;color:var(--accent);font-size:1.05rem}.field .hint{font-size:.92rem;color:var(--ink-soft);font-style:italic;margin-bottom:12px}.lob input[type=number],.lob select{width:100%;font-family:Newsreader,serif;font-size:1.05rem;padding:11px 14px;border:1px solid var(--line);border-radius:8px;background:#fff;color:var(--ink)}.lob input[type=number]:focus,.lob select:focus{outline:2px solid var(--accent-soft);border-color:var(--accent)}.lob input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:3px;background:var(--line);cursor:pointer}.lob input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:22px;height:22px;border-radius:50%;background:var(--accent);border:3px solid var(--card);box-shadow:0 1px 4px #00000026}.lob input[type=range]::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:var(--accent);border:3px solid var(--card)}.scale-ends{display:flex;justify-content:space-between;font-size:.82rem;color:var(--ink-soft);margin-top:6px}.ad-slot{border:1px dashed var(--line);border-radius:10px;padding:18px;text-align:center;color:var(--ink-soft);font-size:.85rem;font-style:italic;margin:28px 0;background:#00000004}.ad-slot small{display:block;font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;margin-bottom:6px;opacity:.7}.result{display:none}.result.show{display:block;animation:rise .5s ease both}@keyframes rise{0%{opacity:0;transform:translateY(12px)}to{opacity:1;transform:translateY(0)}}.band{display:flex;align-items:center;gap:16px;padding:22px 24px;border-radius:12px;margin-bottom:28px}.band.risk{background:var(--risk-soft)}.band.caution{background:var(--caution-soft)}.band.steady{background:var(--accent-soft)}.band.clear{background:var(--clear-soft)}.band .dot{width:14px;height:14px;border-radius:50%;flex-shrink:0}.band.risk .dot{background:var(--risk)}.band.caution .dot{background:var(--caution)}.band.steady .dot{background:var(--steady)}.band.clear .dot{background:var(--clear)}.band .band-title{font-family:Fraunces,serif;font-weight:600;font-size:1.25rem}.band .band-sub{font-size:.98rem;color:var(--ink-soft);margin-top:2px}.metric-row{display:flex;justify-content:space-between;align-items:baseline;gap:20px;padding:16px 0;border-bottom:1px solid var(--line)}.metric-row:last-of-type{border-bottom:none}.metric-row .m-label{font-size:1rem}.metric-row .m-label small{display:block;color:var(--ink-soft);font-size:.88rem;font-style:italic}.metric-row .m-val{font-family:Fraunces,serif;font-weight:600;font-size:1.5rem;text-align:right}@media(max-width:560px){.metric-row{flex-direction:column;align-items:flex-start;gap:6px}.metric-row .m-val{text-align:left}}.m-val .unit{font-size:.9rem;font-weight:400;color:var(--ink-soft)}.projection{margin-top:28px;border-top:1px solid var(--line);padding-top:22px}.projection .proj-intro{font-size:.92rem;color:var(--ink-soft);font-style:italic;margin:14px 0 4px;line-height:1.5}.projection summary{cursor:pointer;font-family:Fraunces,serif;font-weight:600;font-size:.82rem;text-transform:uppercase;letter-spacing:.12em;color:var(--accent)}.proj-table{width:100%;border-collapse:collapse;margin-top:18px;font-size:.9rem}.proj-table th,.proj-table td{padding:7px 10px;text-align:right;border-bottom:1px solid var(--line)}.proj-table th:first-child,.proj-table td:first-child{text-align:left}.proj-table thead th{font-family:Fraunces,serif;font-size:.74rem;font-weight:600;text-transform:uppercase;letter-spacing:.06em;color:var(--ink-soft)}.proj-table tr.crossover td{background:var(--accent-soft);font-weight:600}.proj-wrap{overflow-x:auto}.reasoning{margin-top:28px}.reasoning h4{font-family:Fraunces,serif;font-weight:600;font-size:.82rem;text-transform:uppercase;letter-spacing:.12em;color:var(--accent);margin-bottom:14px}.reasoning ul{list-style:none}.reasoning li{padding-left:22px;position:relative;margin-bottom:12px;font-size:1.02rem;color:var(--ink)}.reasoning li:before{content:"";position:absolute;left:2px;top:11px;width:7px;height:7px;border-radius:50%;background:var(--accent)}.reasoning li.flag:before{background:var(--warn, #8a5a2b)}.honesty{font-size:.95rem;color:var(--ink-soft);font-style:italic;border-left:3px solid var(--line);padding-left:18px;margin-top:28px}.lob button.go{width:100%;font-family:Fraunces,serif;font-weight:600;font-size:1.1rem;letter-spacing:.01em;background:var(--accent);color:#fbf9f4;border:none;padding:18px;border-radius:10px;cursor:pointer;transition:transform .12s ease,background .2s ease}.lob button.go:hover{background:#2f4a3c;transform:translateY(-1px)}.lob button.go:active{transform:translateY(0)}.reset{background:none;border:none;color:var(--ink-soft);font-family:Newsreader,serif;font-style:italic;font-size:.98rem;text-decoration:underline;cursor:pointer;margin-top:18px}.calc-disclaimer{margin-top:48px;font-size:.9rem;color:var(--ink-soft);text-align:center;line-height:1.7}.going-deeper{margin-top:28px;padding-top:24px;border-top:1px solid var(--line)}.going-deeper h4{font-family:Fraunces,serif;font-weight:600;font-size:.82rem;text-transform:uppercase;letter-spacing:.12em;color:var(--accent);margin-bottom:14px}.going-deeper ul{list-style:none;padding:0;margin:0}.going-deeper li{margin-bottom:12px;font-size:1.02rem;line-height:1.55;padding-left:0}.going-deeper li:last-child{margin-bottom:0}.going-deeper li:before{content:none}.going-deeper a{color:var(--accent);font-weight:500;text-decoration:none;border-bottom:1px solid transparent;transition:border-color .12s ease}.going-deeper a:hover{border-bottom-color:var(--accent)}.going-deeper .gd-note{color:var(--ink-soft);font-size:.95rem;font-style:italic}