.tool-app{background:radial-gradient(1100px 500px at 78% -10%,rgba(19,214,176,0.10),transparent 60%),radial-gradient(900px 460px at 8% 110%,rgba(74,144,217,0.10),transparent 55%),linear-gradient(160deg,#0b1d2e 0%,#12314a 58%,#0e2739 100%);color:#fff;padding:18px 0 26px}.tool-container{max-width:1240px}.tool-head{display:flex;align-items:flex-end;justify-content:space-between;gap:20px;margin-bottom:16px}.tool-head .guide-breadcrumb{margin-bottom:4px}.tool-head h1{font-size:clamp(1.3rem,2vw,1.7rem);line-height:1.2;margin:0}.tool-head .tool-sub{font-size:0.9rem;color:rgba(255,255,255,0.62);margin:4px 0 0}.tool-year-pill{display:flex;align-items:center;gap:8px;background:rgba(255,255,255,0.06);border:1px solid rgba(255,255,255,0.12);border-radius:999px;padding:7px 8px 7px 16px;flex-shrink:0}.tool-year-pill label{font-size:0.82rem;color:rgba(255,255,255,0.65);white-space:nowrap}.tool-year-pill select{padding:5px 10px;border-radius:999px;border:none;background:rgba(255,255,255,0.12);color:#fff;font-size:0.88rem;font-weight:600;cursor:pointer}.tool-year-pill select option{background:#12314a;color:#fff}.tool-grid{display:grid;grid-template-columns:320px 1fr;gap:18px;align-items:stretch}.tool-card{background:#10283e;border:1px solid rgba(255,255,255,0.09);border-radius:16px;padding:20px;box-shadow:0 10px 30px rgba(3,12,20,0.35)}.tool-inputs{display:flex;flex-direction:column;gap:14px;background:linear-gradient(165deg,rgba(19,214,176,0.13),rgba(19,214,176,0.02) 50%),#10283e;border-color:rgba(19,214,176,0.45);box-shadow:0 10px 30px rgba(3,12,20,0.35),0 0 30px rgba(19,214,176,0.12)}.tool-field-label{font-size:0.82rem;font-weight:700;letter-spacing:0.08em;text-transform:uppercase;color:#13d6b0}.tool-field-label-sm{display:block;font-size:0.7rem;font-weight:600;letter-spacing:0.06em;text-transform:uppercase;color:rgba(255,255,255,0.55);margin-bottom:6px}.tool-input-hint{font-size:0.82rem;color:rgba(255,255,255,0.5);line-height:1.5;margin-top:-8px}.tool-amount{position:relative}.tool-amount::before{content:'\00a3';position:absolute;left:16px;top:50%;transform:translateY(-50%);color:#13d6b0;font-size:1.35rem;font-weight:700;pointer-events:none}.tool-amount input{width:100%;padding:13px 16px 13px 38px;border:1.5px solid rgba(255,255,255,0.16);border-radius:12px;background:rgba(255,255,255,0.07);font-size:1.5rem;font-weight:700;color:#fff;box-sizing:border-box;-moz-appearance:textfield}.tool-amount input::-webkit-outer-spin-button,.tool-amount input::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}.tool-amount input:focus{outline:none;border-color:#13d6b0;box-shadow:0 0 0 3px rgba(19,214,176,0.18)}.tool-amount-sm::before{font-size:1rem;left:12px}.tool-amount-sm input{font-size:1rem;font-weight:600;padding:9px 12px 9px 30px;border-radius:10px}.tool-inputs input[type="range"]{-webkit-appearance:none;appearance:none;width:100%;height:28px;background:transparent;cursor:pointer;--tool-fill:20%}.tool-inputs input[type="range"]::-webkit-slider-runnable-track{height:10px;border-radius:999px;background:linear-gradient(to right,#13d6b0 0%,#13d6b0 var(--tool-fill),rgba(255,255,255,0.16) var(--tool-fill))}.tool-inputs input[type="range"]::-webkit-slider-thumb{-webkit-appearance:none;width:26px;height:26px;margin-top:-8px;border-radius:50%;background:#13d6b0;border:3px solid #fff;box-shadow:0 0 0 5px rgba(19,214,176,0.25),0 2px 10px rgba(0,0,0,0.45);cursor:grab;transition:box-shadow 0.15s}.tool-inputs input[type="range"]:active::-webkit-slider-thumb{cursor:grabbing;box-shadow:0 0 0 8px rgba(19,214,176,0.3),0 2px 10px rgba(0,0,0,0.45)}.tool-inputs input[type="range"]::-moz-range-track{height:10px;border-radius:999px;background:rgba(255,255,255,0.16)}.tool-inputs input[type="range"]::-moz-range-progress{height:10px;border-radius:999px;background:#13d6b0}.tool-inputs input[type="range"]::-moz-range-thumb{width:20px;height:20px;border-radius:50%;background:#13d6b0;border:3px solid #fff;box-shadow:0 0 0 5px rgba(19,214,176,0.25),0 2px 10px rgba(0,0,0,0.45);cursor:grab}.tool-inputs input[type="range"]:focus-visible{outline:2px solid rgba(19,214,176,0.7);outline-offset:4px;border-radius:999px}.tool-chips{display:flex;flex-wrap:wrap;gap:8px}.tool-chip{border:1px solid rgba(255,255,255,0.18);background:rgba(255,255,255,0.05);color:rgba(255,255,255,0.8);border-radius:999px;padding:6px 13px;font-size:0.82rem;font-weight:600;cursor:pointer;transition:background 0.15s,border-color 0.15s,color 0.15s}.tool-chip:hover{border-color:rgba(19,214,176,0.7);color:#fff}.tool-chip.active{background:#13d6b0;border-color:#13d6b0;color:#0b1d2e}.tool-seg{display:flex;background:rgba(255,255,255,0.07);border:1px solid rgba(255,255,255,0.14);border-radius:10px;padding:3px;gap:3px}.tool-seg button{flex:1;border:none;background:transparent;color:rgba(255,255,255,0.7);border-radius:8px;padding:8px 6px;font-size:0.8rem;font-weight:600;cursor:pointer;transition:background 0.15s,color 0.15s}.tool-seg button:hover{color:#fff}.tool-seg button.active{background:#13d6b0;color:#0b1d2e}.tool-switch{display:flex;align-items:flex-start;gap:10px;cursor:pointer;font-size:0.84rem;color:rgba(255,255,255,0.78);line-height:1.45;user-select:none}.tool-switch input{position:absolute;opacity:0;width:0;height:0}.tool-switch .tool-track{width:38px;height:22px;border-radius:999px;background:rgba(255,255,255,0.18);position:relative;flex-shrink:0;transition:background 0.2s;margin-top:1px}.tool-switch .tool-track::after{content:'';position:absolute;top:3px;left:3px;width:16px;height:16px;border-radius:50%;background:#fff;transition:transform 0.2s}.tool-switch input:checked+.tool-track{background:#13d6b0}.tool-switch input:checked+.tool-track::after{transform:translateX(16px)}.tool-switch input:focus-visible+.tool-track{box-shadow:0 0 0 3px rgba(19,214,176,0.35)}.tool-switch small{display:block;color:rgba(255,255,255,0.45);font-size:0.76rem;margin-top:2px}.tool-save{background:linear-gradient(135deg,rgba(19,214,176,0.16),rgba(19,214,176,0.05));border:1px solid rgba(19,214,176,0.35);border-radius:12px;padding:13px 15px;font-size:0.86rem;line-height:1.5;color:rgba(255,255,255,0.85)}.tool-save strong{color:#fff;font-size:1.05rem}.tool-save.hidden{display:none}.tool-note{font-size:0.78rem;color:rgba(255,255,255,0.62);line-height:1.5;border-left:3px solid #cf7a1f;padding:2px 0 2px 10px}.tool-note.hidden{display:none}.tool-cta{margin-top:auto;font-size:0.8rem;color:rgba(255,255,255,0.5);line-height:1.55;border-top:1px solid rgba(255,255,255,0.09);padding-top:13px}.tool-cta a{color:#13d6b0;font-weight:600}.tool-cta a:hover{text-decoration:underline}.tool-results{display:flex;flex-direction:column;gap:16px;min-width:0}.tool-stats{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.2fr;gap:12px}.tool-stats-5{grid-template-columns:1.5fr 1fr 1fr 1.1fr 1.35fr}.tool-stats-3{grid-template-columns:1.6fr 1fr 1fr}.tool-stat{background:#10283e;border:1px solid rgba(255,255,255,0.09);border-radius:14px;padding:14px 16px;min-width:0}.tool-stat-label{font-size:0.74rem;font-weight:600;letter-spacing:0.06em;text-transform:uppercase;color:rgba(255,255,255,0.5);margin-bottom:5px;white-space:nowrap}.tool-stat-value{font-size:1.45rem;font-weight:700;color:#fff;line-height:1.1}.tool-stat-sub{font-size:0.75rem;color:rgba(255,255,255,0.48);margin-top:5px;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}.tool-stat-hero{background:linear-gradient(135deg,rgba(19,214,176,0.2),rgba(19,214,176,0.04)),#10283e;border-color:rgba(19,214,176,0.4)}.tool-stat-hero .tool-stat-label{color:rgba(19,214,176,0.95)}.tool-stat-hero .tool-stat-value{font-size:2.1rem}.tool-meter{height:6px;border-radius:999px;background:rgba(255,255,255,0.12);margin-top:9px;overflow:hidden}.tool-meter span{display:block;height:100%;border-radius:999px;background:#13d6b0;width:0;transition:width 0.3s ease}.tool-breakdown{flex:1;position:relative}.tool-card-head{display:flex;align-items:baseline;justify-content:space-between;gap:12px;margin-bottom:12px}.tool-card-head h2{font-size:0.95rem;font-weight:700;color:#fff;margin:0}.tool-card-head .tool-card-hint{font-size:0.74rem;color:rgba(255,255,255,0.42);white-space:nowrap}.tool-breakdown-body{display:flex;align-items:center;justify-content:center;gap:56px}.tool-donut-wrap{flex-shrink:0}.tool-donut-wrap svg{width:250px;height:250px;display:block}.tool-donut-seg{fill:none;stroke-width:34;transition:filter 0.15s;cursor:pointer}.tool-donut-seg.lift{filter:brightness(1.25)}.tool-donut-center-value{font-size:30px;font-weight:700;fill:#fff}.tool-donut-center-label{font-size:11.5px;fill:rgba(255,255,255,0.55)}.tool-receipt{font-size:0.85rem;flex:1;min-width:0;max-width:440px}.tool-r-row{display:flex;align-items:center;gap:9px;padding:4.5px 6px;border-radius:7px;transition:background 0.12s,opacity 0.2s}.tool-r-row:hover{background:rgba(255,255,255,0.05)}.tool-r-row.is-zero{opacity:0.35}.tool-r-dot{width:10px;height:10px;border-radius:3px;flex-shrink:0}.tool-r-label{color:rgba(255,255,255,0.78)}.tool-r-pct{margin-left:auto;font-size:0.74rem;color:rgba(255,255,255,0.42);font-variant-numeric:tabular-nums}.tool-r-val{color:#fff;font-weight:600;font-variant-numeric:tabular-nums;min-width:76px;text-align:right}.tool-r-group{font-size:0.68rem;font-weight:700;letter-spacing:0.09em;text-transform:uppercase;color:rgba(255,255,255,0.38);padding:8px 6px 3px}.tool-r-summary{border-top:1px solid rgba(255,255,255,0.12);margin-top:9px;padding-top:9px}.tool-r-summary .tool-r-row:hover{background:none}.tool-r-summary .tool-r-label{font-weight:700;color:#fff}.tool-tip{position:absolute;pointer-events:none;background:#081826;border:1px solid rgba(255,255,255,0.14);border-radius:10px;padding:10px 12px;min-width:158px;box-shadow:0 8px 24px rgba(0,0,0,0.45);opacity:0;transition:opacity 0.12s;z-index:5}.tool-tip.visible{opacity:1}.tool-tip-title{font-size:0.74rem;color:rgba(255,255,255,0.55);margin-bottom:6px}.tool-tip-row{display:flex;align-items:center;gap:8px;font-size:0.8rem;color:rgba(255,255,255,0.65);padding:1.5px 0}.tool-tip-row strong{margin-left:auto;color:#fff;font-variant-numeric:tabular-nums}.tool-detail{padding:52px 0;background:#f8fafc}.tool-detail .container{max-width:1080px}.tool-detail h2{font-size:1.35rem;color:#192851;margin-bottom:6px}.tool-detail .tool-detail-sub{font-size:0.9rem;color:#8494a7;margin-bottom:22px}.tool-table-card{background:#fff;border-radius:14px;padding:10px 22px;box-shadow:0 2px 12px rgba(0,0,0,0.06);overflow-x:auto}.tool-table{width:100%;border-collapse:collapse;font-size:0.85rem;min-width:620px}.tool-table thead th{text-align:right;padding:13px 10px;font-weight:600;color:#384860;border-bottom:2px solid #eef2f6;font-size:0.78rem;white-space:nowrap}.tool-table thead th:first-child{text-align:left}.tool-table tbody td{padding:11px 10px;border-bottom:1px solid #f0f3f6;color:#192851;text-align:right;font-variant-numeric:tabular-nums;white-space:nowrap}.tool-table tbody tr:last-child td{border-bottom:none}.tool-table tbody td:first-child{text-align:left;font-weight:600}.tool-table tbody tr.tool-row-hl{background:#edfcf8}.tool-table tbody tr.tool-row-hl td{font-weight:700}.tool-row-tag{display:inline-block;font-size:0.68rem;font-weight:700;letter-spacing:0.04em;text-transform:uppercase;color:#0a8c6e;background:#d8f7ee;border-radius:999px;padding:2px 9px;margin-left:8px}.tool-table td.tool-td-good{color:#0a8c6e;font-weight:700}.tool-embed-section{padding:44px 0 10px;text-align:center}.tool-embed-section h3{font-size:1.1rem;color:#192851;margin-bottom:8px}.tool-embed-section p{font-size:0.88rem;color:#8494a7;margin-bottom:16px}.tool-embed-toggle{background:none;border:1.5px solid #dde3ea;border-radius:8px;padding:10px 24px;font-size:0.9rem;color:#384860;cursor:pointer;transition:border-color 0.2s}.tool-embed-toggle:hover{border-color:#13d6b0;color:#192851}.tool-embed-code{display:none;max-width:640px;margin:16px auto 0;text-align:left}.tool-embed-code.visible{display:block}.tool-embed-code textarea{width:100%;height:120px;padding:12px;border:1.5px solid #dde3ea;border-radius:8px;font-family:monospace;font-size:0.82rem;color:#384860;resize:vertical;box-sizing:border-box;background:#f8fafc}.tool-faq{padding:44px 0 56px}.tool-faq h2{text-align:center;font-size:1.6rem;color:#192851;margin-bottom:32px}.tool-faq details{border-bottom:1px solid #eef2f6}.tool-faq summary{padding:18px 0;font-weight:600;color:#192851;cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;font-size:0.95rem}.tool-faq summary::-webkit-details-marker{display:none}.tool-faq summary::after{content:'+';font-size:1.4rem;color:#8494a7;transition:transform 0.2s}.tool-faq details[open] summary::after{content:'\2212'}.tool-faq .faq-answer{padding:0 0 18px;font-size:0.9rem;color:#576b80;line-height:1.7}.embed-mode .tool-app{padding:14px 0 20px}@media (max-width:1120px){.tool-grid{grid-template-columns:1fr}.tool-inputs .tool-cta{margin-top:4px}.tool-stats,.tool-stats-5,.tool-stats-3{grid-template-columns:repeat(3,1fr)}.tool-stat-hero{grid-column:1 / -1}}@media (max-width:768px){.tool-card-head .tool-card-hint{display:none}.tool-breakdown-body{flex-direction:column;gap:16px}.tool-donut-wrap svg{width:210px;height:210px}.tool-receipt{width:100%}}@media (max-width:640px){.tool-head{flex-direction:column;align-items:flex-start;gap:10px}.tool-stats,.tool-stats-5,.tool-stats-3{grid-template-columns:1fr 1fr}.tool-stat{min-width:0}.tool-stat-label,.tool-stat-sub{white-space:normal}.tool-stat-value{font-size:1.2rem}.tool-stat-hero .tool-stat-value{font-size:1.7rem}.tool-card{padding:16px}.tool-r-val{min-width:60px}}