:root{--ink:#172a49;--blue:#152b53;--muted:#607084;--line:#dbe2e9;--paper:#f7f9fb;--orange:#eb793d;--soft-orange:#fff0e5;--white:#fff;font-family:Inter,"PingFang SC","Microsoft YaHei",system-ui,sans-serif;color:var(--ink);background:var(--paper);font-synthesis:none}*{box-sizing:border-box}body{margin:0;font-size:16px;line-height:1.75}a{color:inherit;text-decoration:none}button,input{font:inherit}button,a,input,summary{-webkit-tap-highlight-color:transparent}button{cursor:pointer}button:disabled{cursor:not-allowed}img{max-width:100%;height:auto;display:block}figure{margin:0}figcaption{font-size:12px;color:var(--muted);margin-top:12px}h1,h2,h3,p{margin-top:0}h1,h2,h3{font-weight:650;line-height:1.35;letter-spacing:-.035em}h2{font-size:30px}h3{font-size:22px}p{margin-bottom:18px}a:hover{text-decoration:underline;text-underline-offset:5px}button:focus-visible,a:focus-visible,input:focus-visible,summary:focus-visible{outline:3px solid #de6f32;outline-offset:5px}[hidden]{display:none!important}.container{width:min(1160px,calc(100% - 64px));margin-inline:auto}.orange{color:var(--orange)}.quiet{color:var(--muted);font-size:13px}.eyebrow{display:block;font-size:11px;letter-spacing:.18em;font-weight:750;color:var(--muted);margin-bottom:17px}.skip-link{position:absolute;top:-100px;left:16px;background:var(--blue);color:white;padding:12px;z-index:10}.skip-link:focus{top:10px}.site-header{background:white;border-bottom:1px solid var(--line)}.header-top{display:flex;align-items:center;gap:24px;padding-block:22px}.brand{display:inline-flex;align-items:center;gap:12px;font-weight:750;font-size:21px;line-height:1.4}.brand:hover{text-decoration:none}.brand small{display:block;color:var(--muted);font-size:9px;letter-spacing:.12em;margin-top:4px}.brand-mark{display:grid;place-items:center;width:46px;height:46px;background:var(--blue);color:white;font-size:38px;font-weight:500;line-height:1}.independent-tag{font-size:11px;color:var(--muted);border:1px solid var(--line);padding:5px 12px;margin-left:auto}.main-nav{display:flex;gap:35px}.main-nav a{padding:13px 0;font-size:13px;border-bottom:3px solid transparent;margin-bottom:-1px}.main-nav [aria-current=page]{border-bottom-color:var(--orange);font-weight:750}.menu-toggle{display:none;background:white;border:1px solid var(--line);padding:8px 12px}.hero{padding-top:58px;padding-bottom:32px}.hero-copy{display:grid;grid-template-columns:1.45fr 1fr;gap:40px;align-items:end}.hero h1{font-size:clamp(36px,4.4vw,54px);line-height:1.25;margin-bottom:0}.hero-lead{font-size:20px;margin-bottom:12px;line-height:1.6}.hero-copy .quiet{margin:0}.calculator{display:grid;grid-template-columns:1fr 1fr;box-shadow:0 12px 38px #21395209;border:1px solid var(--line);background:white}.calculator-input{padding:36px 40px}.panel-heading{display:flex;gap:12px;align-items:center;margin-bottom:16px}.panel-heading h2{font-size:19px;margin:0;letter-spacing:-.015em}.number-chip{font-size:11px;line-height:1;border:1px solid currentColor;padding:6px}.calculator-input>p{font-size:13px;color:var(--muted);margin-bottom:24px;max-width:390px}.field{margin-top:21px}.field label{display:flex;justify-content:space-between;align-items:baseline;font-weight:650;font-size:14px;margin-bottom:8px;gap:12px}.field label span{font-size:12px;color:var(--muted);font-weight:400}.field input{width:100%;background:#f8fafc;color:var(--ink);border:1px solid #c6d1dc;border-radius:0;padding:12px 15px;font-size:25px;font-variant-numeric:tabular-nums;min-width:0}.field input::placeholder{color:#8793a3;font-size:18px}.field input[aria-invalid=true]{border:2px solid #bb3a20}.field small{display:block;font-size:11px;margin-top:6px;color:var(--muted)}.field-error{display:block;color:#a52f1b;font-size:12px;margin-top:4px}.rate-field{position:relative}.rate-field input{padding-right:50px}.rate-field>span{position:absolute;right:17px;top:12px;font-size:24px;color:var(--muted)}.calculator-actions{display:flex;gap:12px;margin-top:24px}.button{display:inline-flex;align-items:center;justify-content:center;gap:26px;padding:12px 23px;border:1px solid transparent;font-size:14px;font-weight:650;line-height:1.5}.button:hover{text-decoration:none}.button-primary{background:var(--blue);color:white}.button-primary:hover{background:#244476}.button-subtle{background:white;border-color:var(--line);color:var(--ink)}.example-button{padding:0;background:transparent;border:0;border-bottom:1px solid var(--ink);margin-top:20px;color:var(--ink);font-size:12px;line-height:2}.example-button span{margin-left:30px}.example-note{padding:12px;background:var(--soft-orange);font-size:12px;margin-top:12px;margin-bottom:0}.calculator-input .calculation-status{font-size:12px;color:var(--muted);margin:22px 0 0;max-width:none;line-height:1.6}.calculator-output{background:var(--blue);color:white;padding:36px 40px;display:flex;flex-direction:column}.calculator-output .panel-heading{color:#d2dcea}.calculator-output .number-chip{color:#91a6c4}.formula-label{font-size:15px;color:#cbd5e4;margin-top:4px;padding-bottom:24px;border-bottom:1px solid #ffffff29}.result{padding-top:27px}.result-caption{font-size:12px;color:#b2c3d8;margin-bottom:5px}.fee-value{display:block;font-size:clamp(35px,4.7vw,62px);line-height:1.15;font-weight:500;letter-spacing:-.04em;font-variant-numeric:tabular-nums;overflow-wrap:anywhere}.result[data-length=long] .fee-value{font-size:33px}.result-unit{display:block;font-size:13px;color:#aabfd9;margin-top:10px}.result-equation{font-size:14px;color:#e9eff7;margin:19px 0 4px;overflow-wrap:anywhere;font-variant-numeric:tabular-nums}.rate-fraction{font-size:13px;color:#adbfda;margin-bottom:0}.formula-parts{display:flex;gap:20px;align-items:center;padding-block:34px;margin-top:auto}.formula-parts>div>span{font-family:Georgia,serif;font-size:45px;line-height:1.2}.formula-parts p{font-size:12px;margin:7px 0 0;color:#e0e8f3}.formula-parts small{display:block;color:#9eb2cf;font-size:10px}.operator{font-size:28px;color:#7492bc;margin-inline:12px}.output-boundary{font-size:12px;color:#bccce0;padding-top:22px;border-top:1px solid #ffffff29;margin-bottom:16px}.calculator-output>a{font-size:12px;display:flex;justify-content:space-between;gap:16px}.section-space{padding-block:70px}.section-title{display:flex;justify-content:space-between;align-items:end;gap:28px;margin-bottom:28px}.section-title h2{margin-bottom:0}.section-title .eyebrow{margin-bottom:10px}.text-link{font-size:13px;font-weight:650;display:inline-block}.formula-story{display:grid;grid-template-columns:1.2fr 1fr;gap:52px;align-items:center}.formula-story figure{background:white;border:1px solid var(--line);padding:20px}.static-example .mini-label{font-size:10px;letter-spacing:.1em;background:var(--soft-orange);color:#8b3d13;padding:5px 8px}.static-example h3{font-size:30px;font-variant-numeric:tabular-nums;margin:18px 0}.static-example ol{padding-left:19px;font-size:14px}.static-example li{margin-bottom:7px}.static-example>p{font-size:12px;color:var(--muted);margin:0}.reading-section{background:#eef2f6;border-block:1px solid var(--line)}.reading-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.reading-card{background:white;border:1px solid var(--line);padding:28px 26px;transition:border-color .15s}.reading-card:hover{border-color:var(--blue);text-decoration:none}.card-index{font-size:10px;color:var(--muted);letter-spacing:.15em}.reading-card h3{font-size:20px;margin:25px 0 14px}.reading-card p{font-size:14px;color:var(--muted);margin-bottom:30px}.reading-card>span:last-child{font-size:12px;font-weight:650}.lower-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:80px}.lower-grid>div>p{font-size:14px;color:var(--muted);max-width:350px}.faq-list details{border-bottom:1px solid var(--line);padding:19px 0}.faq-list details:first-child{border-top:1px solid var(--line)}summary{cursor:pointer;font-size:15px;font-weight:650;line-height:1.6}details p{font-size:14px;color:var(--muted);margin:15px 0 3px}.faq-list a{text-decoration:underline}.sources-section{padding-block:40px;border-top:1px solid var(--line);display:grid;grid-template-columns:1fr 1fr;gap:70px}.sources-section h2{font-size:21px;margin-bottom:12px}.sources-section .eyebrow{margin-bottom:10px}.sources-section p{font-size:12px;color:var(--muted);margin:0}.sources-section ul{padding:0;list-style:none;margin:0}.sources-section li{border-bottom:1px solid var(--line);padding:9px 0;font-size:12px}.sources-section a{display:flex;justify-content:space-between;gap:20px}.site-footer{background:white;border-top:1px solid var(--line);padding-block:40px 22px}.footer-intro{display:flex;justify-content:space-between;align-items:center;gap:24px;margin-bottom:36px}.footer-brand{font-size:20px;font-weight:700}.footer-intro p{font-size:12px;color:var(--muted);margin:5px 0 0}.registration-block{text-align:right}.registration-cta{background:#f0f3f7;border:1px solid #d5dee8;color:#677385;font-size:12px;padding:10px 16px}.registration-block small{display:block;font-size:10px;color:var(--muted);margin-top:5px}.footer-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:35px}.footer-grid h2{font-size:12px;letter-spacing:0;margin-bottom:9px}.footer-grid p{font-size:11px;color:var(--muted);margin-bottom:25px;line-height:1.8}.footer-bottom{display:flex;gap:25px;flex-wrap:wrap;padding-top:20px;border-top:1px solid var(--line);font-size:10px;color:var(--muted)}.footer-bottom>span{margin-right:auto}.article-shell{max-width:900px;padding-bottom:50px}.breadcrumb{display:flex;gap:12px;padding-top:28px;font-size:11px;color:var(--muted)}.article-header{padding-block:42px 30px;max-width:810px}.article-header h1{font-size:44px;line-height:1.25;margin-bottom:24px}.article-lead{font-size:18px;color:#536278;line-height:1.85;max-width:760px}.article-meta{display:flex;gap:20px;flex-wrap:wrap;font-size:11px;color:var(--muted)}.article-figure{padding:24px;background:white;border:1px solid var(--line);margin-bottom:40px}.article-figure img{width:100%;max-height:370px;object-fit:contain}.article-content{padding-top:8px}.explanation-section{display:grid;grid-template-columns:55px 1fr;gap:20px;padding:28px 0 20px;border-top:1px solid var(--line)}.section-number{color:#9aa7b7;font-size:14px;line-height:2.2;font-variant-numeric:tabular-nums}.explanation-section h2{font-size:25px;letter-spacing:-.02em;margin-bottom:19px}.explanation-section p{font-size:16px;color:#41526a;line-height:1.9;margin-bottom:17px}.takeaway{margin-top:15px;border-left:3px solid var(--orange);background:white;padding:25px 30px}.takeaway>span{font-size:10px;color:var(--muted);letter-spacing:.15em}.takeaway p{font-size:17px;line-height:1.8;margin:8px 0 0}.next-page{display:flex;align-items:center;gap:24px;padding-block:25px;margin-top:20px;border-block:1px solid var(--line)}.next-page>span:first-child{font-size:11px;color:var(--muted)}.next-page strong{font-size:15px}.next-page>span:last-child{margin-left:auto}.error-page{padding-block:90px;min-height:50vh}.error-page .text-link{margin-left:25px}.notice{font-size:13px;padding:15px;border:1px solid var(--line);background:var(--paper)}
@media (max-width:1000px){.container{width:min(1160px,calc(100% - 40px))}.calculator-input,.calculator-output{padding:30px}.hero-copy{grid-template-columns:1.35fr 1fr;gap:24px}.hero h1{font-size:42px}.hero-lead{font-size:17px}.formula-story{gap:30px}.lower-grid{gap:45px}.sources-section{gap:40px}.main-nav{gap:26px}}
@media (max-width:720px){.container{width:calc(100% - 36px)}.header-top{padding-block:18px;gap:10px}.brand{font-size:17px;gap:9px}.brand-mark{width:36px;height:36px;font-size:31px}.brand small{font-size:8px}.independent-tag{display:none}.main-nav{flex-wrap:wrap;gap:0;justify-content:space-between;padding-bottom:8px}.main-nav a{font-size:11px;width:30%;padding:10px 0;text-align:center;margin:0}.navigation-ready .menu-toggle{display:block;margin-left:auto;font-size:11px;white-space:nowrap;padding:6px 9px}.navigation-ready .main-nav{display:none}.navigation-ready .main-nav.is-open{display:flex}.hero{padding-top:36px;padding-bottom:25px}.hero-copy{grid-template-columns:1fr;gap:20px}.hero h1{font-size:36px;line-height:1.28}.hero-lead{font-size:15px;margin-bottom:7px}.hero-lead br{display:none}.hero .eyebrow{font-size:9px;letter-spacing:.13em;margin-bottom:16px}.hero-copy .quiet{font-size:11px}.calculator{grid-template-columns:1fr}.calculator-input,.calculator-output{padding:25px 23px}.calculator-input>p{font-size:12px}.field input{font-size:23px;padding:11px 13px}.field label{font-size:13px}.field label span{font-size:10px}.field small{font-size:10px}.calculator-actions{margin-top:20px}.calculator-actions .button-primary{flex:1}.calculator-input .calculation-status{font-size:11px}.formula-label{font-size:13px;padding-bottom:20px}.formula-parts{padding-block:25px;gap:15px}.formula-parts>div>span{font-size:38px}.operator{margin-inline:8px}.fee-value{font-size:48px}.result[data-length=long] .fee-value{font-size:28px}.section-space{padding-block:46px}h2{font-size:25px}.section-title{display:block;margin-bottom:22px}.section-title .text-link{margin-top:13px}.eyebrow{font-size:9px}.formula-story{grid-template-columns:1fr;gap:26px}.formula-story figure{padding:13px}.static-example h3{font-size:28px}.reading-grid{grid-template-columns:1fr;gap:12px}.reading-card{padding:23px}.reading-card h3{margin:15px 0 10px}.reading-card p{margin-bottom:17px;font-size:13px}.reading-card>span:last-child{font-size:11px}.lower-grid{grid-template-columns:1fr;gap:25px}.lower-grid h2 br{display:none}.lower-grid>div>p{max-width:none}.sources-section{grid-template-columns:1fr;gap:17px;padding-block:30px}.sources-section ul{font-size:11px}.footer-intro{gap:14px;align-items:start}.footer-brand{font-size:16px}.registration-cta{font-size:10px;padding:8px 10px}.registration-block small{font-size:9px}.footer-grid{grid-template-columns:1fr;gap:0}.footer-grid p{margin-bottom:19px}.footer-bottom{gap:12px 20px}.footer-bottom>span{width:100%;margin:0}.article-header{padding-block:31px 23px}.article-header h1{font-size:34px;margin-bottom:19px}.article-lead{font-size:16px}.article-meta{font-size:10px;gap:6px 20px}.article-figure{padding:12px;margin-bottom:26px}.explanation-section{grid-template-columns:27px 1fr;gap:8px;padding-top:23px}.section-number{font-size:11px}.explanation-section h2{font-size:22px;line-height:1.5;margin-bottom:15px}.explanation-section p{font-size:15px;line-height:1.9}.takeaway{padding:20px}.takeaway p{font-size:15px}.next-page{gap:12px}.next-page strong{font-size:13px}.error-page h1{font-size:31px}.error-page .text-link{display:block;margin:20px 0 0}}
@media (prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}