:root{--p:#2563eb;--p2:#7c3aed;--cyan:#0891b2;--pink:#db2777;--orange:#ea580c;--green:#059669;--bg:#fff;--text:#0f172a;--muted:#475569;--card:#f8fafc;--surface:#fff;--border:#dbe4ef;--shadow:0 18px 45px rgba(15,23,42,.07)}
html[data-theme=dark]{--bg:#090b0f;--text:#f1f5f9;--muted:#9aa8bc;--card:#11151c;--surface:#0d1117;--border:#293241;--shadow:0 18px 45px rgba(0,0,0,.22)}
*{box-sizing:border-box}html{color-scheme:light}html[data-theme=dark]{color-scheme:dark}body{margin:0;background:var(--bg);color:var(--text);font:400 16px/1.65 Inter,system-ui,sans-serif}.container{width:min(1120px,calc(100% - 32px));margin:auto}.navbar{position:sticky;top:0;z-index:20;border-bottom:1px solid var(--border);background:color-mix(in srgb,var(--bg) 94%,transparent);backdrop-filter:blur(14px)}.nav-inner{height:68px;display:flex;align-items:center;justify-content:space-between}.logo{color:var(--p);font-size:1.3rem;font-weight:800;text-decoration:none}.toggle{width:38px;height:38px;padding:0;display:flex;align-items:center;justify-content:center;border:1px solid var(--border);border-radius:50%;background:var(--card);color:var(--text);cursor:pointer}.toggle svg{width:18px;height:18px;display:block;fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}.toggle .sun{display:none}html[data-theme=dark] .toggle .moon{display:none}html[data-theme=dark] .toggle .sun{display:block}
main{padding:42px 0 0;background:radial-gradient(circle at 4% 3%,rgba(37,99,235,.08),transparent 25rem),radial-gradient(circle at 96% 8%,rgba(219,39,119,.07),transparent 25rem)}h1{margin:0 0 10px;font-size:clamp(2rem,4vw,2.75rem);line-height:1.16;letter-spacing:-.025em}h1:after{content:"";display:block;width:82px;height:5px;margin-top:13px;border-radius:8px;background:linear-gradient(90deg,var(--p),var(--p2),var(--pink),var(--orange))}.lead{max-width:850px;margin:0 0 30px;color:var(--muted);font-size:1.05rem}.card,.content,.related{padding:clamp(20px,3vw,30px);border:1px solid var(--border);border-radius:14px;background:var(--card);box-shadow:var(--shadow)}.tool-grid{display:grid;grid-template-columns:minmax(340px,.95fr) minmax(380px,1.05fr);gap:24px}.section-title{margin:0 0 16px;font-size:1.25rem}.fields{display:grid;grid-template-columns:1fr 1fr;gap:12px}.field{--accent:var(--p);padding:13px;border:1px solid color-mix(in srgb,var(--accent) 27%,var(--border));border-top:3px solid var(--accent);border-radius:11px;background:var(--surface)}.field:nth-child(4n+2){--accent:var(--pink)}.field:nth-child(4n+3){--accent:var(--cyan)}.field:nth-child(4n+4){--accent:var(--orange)}.field.full{grid-column:1/-1}.field label{display:flex;justify-content:space-between;gap:10px;margin-bottom:7px;font-size:.875rem;font-weight:700;line-height:1.35}.field input,.field select{width:100%;padding:10px 11px;border:1px solid var(--border);border-radius:8px;background:var(--bg);color:var(--text);font:inherit}.field input[type=range]{padding:0;border:0;accent-color:var(--accent)}.hint{margin:6px 0 0;color:var(--muted);font-size:.72rem}.add-row{display:grid;grid-template-columns:1.2fr .8fr .7fr auto;gap:8px;margin-bottom:10px}.add-row input,.add-row button,.debt-row input{min-width:0;padding:10px;border:1px solid var(--border);border-radius:8px;background:var(--bg);color:var(--text);font:inherit}.btn{border:0!important;background:linear-gradient(135deg,var(--p),var(--p2))!important;color:#fff!important;font-weight:700;cursor:pointer}.remove{border-color:color-mix(in srgb,#ef4444 25%,var(--border))!important;color:#ef4444!important;cursor:pointer}.result{padding:25px;border-radius:14px;background:linear-gradient(140deg,#1d4ed8,#6d28d9 62%,#be185d 125%);color:#fff;box-shadow:0 18px 35px rgba(37,99,235,.18)}.result p{margin:0}.eyebrow{font-weight:600;opacity:.88}.total{margin:5px 0 18px!important;font-size:clamp(2.35rem,6vw,3.8rem);font-weight:800;line-height:1.06;letter-spacing:-.03em}.metrics{display:grid;grid-template-columns:1fr 1fr;gap:10px}.metric{padding:13px;border:1px solid rgba(255,255,255,.23);border-radius:10px;background:rgba(255,255,255,.11)}.metric:nth-child(2){background:rgba(34,211,238,.14)}.metric:nth-child(3){background:rgba(251,146,60,.15)}.metric:nth-child(4){background:rgba(244,114,182,.15)}.metric small{display:block;font-size:.72rem;opacity:.83}.metric strong{display:block;font-size:1.08rem}.result-note{margin-top:15px!important;font-size:.82rem;opacity:.88}.comparison{margin-top:16px}.bar-label{display:flex;justify-content:space-between;font-size:.76rem}.bar{height:11px;margin:6px 0 11px;border-radius:10px;background:rgba(255,255,255,.2);overflow:hidden}.bar span{display:block;height:100%;border-radius:inherit;background:linear-gradient(90deg,#67e8f9,#f9a8d4)}.list{display:grid;gap:9px;margin-top:12px}.debt-row{display:grid;grid-template-columns:1.2fr .8fr .65fr .65fr auto;gap:8px}.content{margin-top:40px}.content h2{margin:30px 0 10px;font-size:1.55rem}.content h2:first-child{margin-top:0}.content h3{margin:20px 0 6px;font-size:1.05rem}.content p,.content ul,.content ol{max-width:900px}.content p{margin:0 0 14px}.content a{color:var(--p);font-weight:650}.formula{padding:14px;border:1px solid color-mix(in srgb,var(--p) 25%,var(--border));border-radius:10px;background:color-mix(in srgb,var(--p) 6%,var(--surface));font-weight:700}.table-wrap{overflow-x:auto}.schedule{width:100%;margin-top:15px;border-collapse:collapse;font-size:.84rem}.schedule th,.schedule td{padding:9px;border-bottom:1px solid var(--border);text-align:left}.schedule th{color:var(--muted)}.related{margin:40px 0 48px}.related h2{margin:0 0 16px}.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:15px}.related-card{padding:18px;border:1px solid var(--border);border-top:4px solid var(--p);border-radius:12px;background:var(--surface);color:inherit;text-decoration:none}.related-card:nth-child(2){border-top-color:var(--pink)}.related-card:nth-child(3){border-top-color:var(--cyan)}.related-card strong{display:block;color:var(--p)}.related-card span{color:var(--muted);font-size:.8rem}footer{padding:22px 0 34px;border-top:1px solid var(--border);color:var(--muted)}.footer-inner{display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap}.footer-links{display:flex;gap:18px;flex-wrap:wrap}.footer-links a{color:var(--p);font-weight:600;text-decoration:none}.copyright{margin:0}
@media(max-width:840px){.tool-grid{grid-template-columns:1fr}}@media(max-width:620px){.container{width:calc(100% - 24px)}.fields,.metrics,.related-grid{grid-template-columns:1fr}.field.full{grid-column:auto}.add-row{grid-template-columns:1fr 1fr}.debt-row{grid-template-columns:1fr 1fr}.debt-row input:first-child{grid-column:1/-1}.remove{grid-column:1/-1}.total{font-size:2.35rem}}