:root{--mobile-text-primary: #212529;--mobile-text-secondary: #495057;--mobile-text-tertiary: #6c757d;--mobile-toggle-inactive: #495057;--mobile-toggle-border: #6c757d}@media(max-width:768px){input[type=text],input[type=number],input[type=email],input[type=tel],input[type=date],input[type=url],select,textarea{font-size:16px!important;min-height:48px;color:var(--mobile-text-primary)}label{font-size:.9375rem;color:var(--mobile-text-primary)}.helper-text,.input-hint,.field-hint{font-size:.875rem;color:var(--mobile-text-secondary)}.summary-value,.result-value,.breakdown-value{font-size:1rem;color:var(--mobile-text-primary)}}.toggle-btn,.mode-option span,.toggle-option{color:var(--mobile-toggle-inactive);font-weight:500}.toggle-btn.active,.toggle-btn[aria-pressed=true],.mode-option input[type=radio]:checked+span{color:var(--primary, #2563eb);font-weight:600}.toggle-btn:not(.active):not([aria-pressed=true]){color:var(--mobile-toggle-inactive);border-color:var(--mobile-toggle-border)}@media(max-width:768px){button,.btn,[role=button]{min-height:48px;padding:.75rem 1rem}input[type=radio],input[type=checkbox]{width:24px;height:24px;min-width:24px;min-height:24px}.mode-option,.toggle-option,.selectable-card{min-height:48px;padding:1rem}}@media(max-width:768px){.tax-info,.tax-rate-info,.info-section small{font-size:.9375rem;line-height:1.5;color:var(--mobile-text-secondary)}.metric-label,.stat-label,.breakdown-label{font-size:.875rem;color:var(--mobile-text-secondary);font-weight:500}.metric-value,.stat-value{font-size:1.125rem;color:var(--mobile-text-primary)}.comparison-text,.comparison-label{font-size:.9375rem;color:var(--mobile-text-secondary)}}@media(max-width:768px){.fee-row,.fee-inputs{flex-direction:column;gap:.75rem}.fee-row input,.fee-inputs input{width:100%}.fee-divider{display:none}}@media(max-width:768px){.result-card,.summary-card,.breakdown-item{padding:1rem}.result-label,.summary-label{font-size:.8125rem;color:var(--mobile-text-secondary);font-weight:600;text-transform:uppercase;letter-spacing:.025em}.result-value-large{font-size:1.75rem}}@media(max-width:768px){table td,table th,.table-cell{font-size:.875rem;padding:.75rem .5rem;color:var(--mobile-text-primary)}.table-cell.explanation,.table-secondary{font-size:.8125rem;color:var(--mobile-text-secondary)}}@media(max-width:768px){.info-box,.alert,.insight-card,.pmi-message{font-size:.9375rem;line-height:1.6;color:var(--mobile-text-primary)}.info-box p,.insight-text{font-size:.9375rem;color:var(--mobile-text-secondary)}}@media(max-width:768px){.legend-text,.chart-legend-label{font-size:.8125rem;color:var(--mobile-text-primary);font-weight:500}}@media(max-width:768px){:focus-visible{outline:3px solid var(--primary, #2563eb);outline-offset:2px}:focus:not(:focus-visible){outline:none}}.chart-container{position:relative;width:100%;max-width:100%;margin:var(--space-md, 1rem) 0;display:flex;flex-direction:column;align-items:center}.chart-container canvas,.chart-section canvas,.results canvas,[class*=chart] canvas{max-width:100%;height:auto!important}@media(min-width:768px){.chart-container{min-height:300px;max-height:450px}.chart-section{padding:var(--space-lg, 1.5rem)}}@media(max-width:767px){.chart-container{width:100%;min-height:250px;max-height:350px;margin:var(--space-sm, .75rem) 0;overflow:hidden}.chart-section,.results .chart-container{padding:var(--space-sm, .75rem);margin-left:calc(-1 * var(--space-sm, .75rem));margin-right:calc(-1 * var(--space-sm, .75rem));width:calc(100% + 2 * var(--space-sm, .75rem))}}@media(max-width:414px){.chart-container{min-height:200px;max-height:280px}.chart-section,.results .chart-container{padding:var(--space-xs, .5rem);margin-left:calc(-1 * var(--space-xs, .5rem));margin-right:calc(-1 * var(--space-xs, .5rem));width:calc(100% + 2 * var(--space-xs, .5rem))}}@media(max-width:320px){.chart-container{min-height:180px;max-height:240px}}@media(min-width:768px){.chart-container.legend-right{display:flex;align-items:center}}@media(max-width:767px){.chart-container{padding-bottom:var(--space-sm, .75rem)}}@media(pointer:coarse){.chart-container canvas{touch-action:pan-y pinch-zoom}.chart-container{-webkit-user-select:none;user-select:none}}.chart-data-table{width:100%;border-collapse:collapse;font-size:.875rem;margin-top:var(--space-sm, .75rem)}.chart-data-table caption{text-align:left;font-weight:600;padding:var(--space-sm, .75rem) 0;color:var(--text-primary, #111827)}.chart-data-table th,.chart-data-table td{padding:var(--space-xs, .5rem) var(--space-sm, .75rem);text-align:left;border-bottom:1px solid var(--border, #e5e7eb)}.chart-data-table th{background:var(--bg-section, #f3f4f6);font-weight:600;color:var(--text-primary, #111827)}.chart-data-table td{color:var(--text-secondary, #4b5563)}@media(max-width:767px){.chart-data-table{font-size:.8125rem}.chart-data-table th,.chart-data-table td{padding:var(--space-xs, .5rem)}}.chart-loading{display:flex;align-items:center;justify-content:center;min-height:200px;color:var(--text-tertiary, #52525b);font-size:.875rem}.chart-loading:before{content:"";width:24px;height:24px;border:2px solid var(--border, #e5e7eb);border-top-color:var(--primary, #2563eb);border-radius:50%;animation:chart-spin .8s linear infinite;margin-right:var(--space-sm, .75rem)}@keyframes chart-spin{to{transform:rotate(360deg)}}.chart-error{display:flex;align-items:center;justify-content:center;min-height:200px;color:var(--warning, #d97706);font-size:.875rem;text-align:center;padding:var(--space-md, 1rem)}@media print{.chart-container{page-break-inside:avoid;max-height:none}.chart-container canvas{max-width:100%;height:auto!important}}@media(prefers-contrast:high){.chart-data-table th{background:#000;color:#fff}.chart-data-table td{border-color:#000}}@media(prefers-color-scheme:dark){.chart-data-table th{background:var(--bg-section, #374151)}}.theme-toggle{display:flex;align-items:center;justify-content:center;width:40px;height:40px;padding:8px;background:transparent;border:none;border-radius:8px;cursor:pointer;color:var(--text-secondary);transition:background-color .15s ease,color .15s ease;flex-shrink:0}.theme-toggle:hover{background:var(--bg-hover, var(--bg-section));color:var(--text-primary)}.theme-toggle:focus-visible{outline:2px solid var(--border-focus);outline-offset:2px;box-shadow:0 0 0 4px #2563eb4d}[data-theme=dark] .theme-toggle:focus-visible{box-shadow:0 0 0 4px #60a5fa66}.theme-toggle .theme-icon-sun{display:none;width:20px;height:20px}.theme-toggle .theme-icon-moon{display:block;width:20px;height:20px}[data-theme=dark] .theme-toggle .theme-icon-sun{display:block}[data-theme=dark] .theme-toggle .theme-icon-moon{display:none}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}@media(max-width:768px){.theme-toggle{width:44px;height:44px}}@media(prefers-reduced-motion:reduce){.theme-toggle{transition:none}}@media(forced-colors:active){.theme-toggle{border:2px solid ButtonText;forced-color-adjust:none}.theme-toggle:focus-visible{outline:3px solid Highlight;outline-offset:2px}}@media(prefers-contrast:more){.theme-toggle{border:2px solid currentColor}.theme-toggle:hover{border-color:var(--primary)}}.mega-menu-tabs{display:none;background:var(--bg-section);border-bottom:1px solid var(--border);padding:0}.mega-menu-tab{flex:1;padding:var(--space-md);background:transparent;border:none;border-bottom:3px solid transparent;font-size:.9375rem;font-weight:500;color:var(--text-secondary);cursor:pointer;transition:all .2s ease;font-family:inherit;display:flex;align-items:center;justify-content:center;gap:var(--space-xs);min-height:48px}.mega-menu-tab:hover{color:var(--primary);background:var(--bg-hover)}.mega-menu-tab.active{color:var(--primary);border-bottom-color:var(--primary);background:var(--bg-card)}.mega-menu-tab:focus-visible{outline:3px solid var(--primary);outline-offset:-3px}.mega-menu-panel{display:none}.mega-menu-panel.active{display:block}.mega-menu-guides{background:var(--bg-section);padding:var(--space-lg);border-radius:var(--radius);border-left:3px solid var(--primary);align-self:start}.mega-menu-guides .category-heading{color:var(--primary);border-bottom-color:var(--primary);margin-bottom:var(--space-md)}.featured-guides-list{list-style:none;padding:0;margin:0}.featured-guides-list li{margin-bottom:var(--space-xs)}.featured-guides-list li:last-child{margin-bottom:0}.featured-guides-list a{display:block;padding:var(--space-sm);text-decoration:none;border-radius:var(--radius);transition:background-color .2s,transform .2s}.featured-guides-list a:hover{background:var(--bg-card);transform:translate(4px)}.featured-guides-list a:focus-visible{outline:2px solid var(--primary);outline-offset:2px}.guide-title{display:block;font-size:.8125rem;font-weight:500;color:var(--text-primary);line-height:1.35;margin-bottom:2px}.guide-pillar{display:block;font-size:.6875rem;color:var(--text-tertiary);text-transform:uppercase;letter-spacing:.03em}.mega-menu-guides .category-view-all{margin-top:var(--space-md);display:inline-flex;align-items:center;gap:var(--space-xs)}@media(min-width:1024px){.mega-menu-container{display:grid!important;grid-template-columns:repeat(5,1fr) minmax(200px,1.4fr)!important;grid-template-rows:auto auto;gap:var(--space-lg)!important;max-width:1400px!important;align-items:start}.mega-menu-category[data-category=home-loans]{grid-column:1;grid-row:1}.mega-menu-category[data-category=savings-wealth]{grid-column:2;grid-row:1}.mega-menu-category[data-category=retirement]{grid-column:3;grid-row:1}.mega-menu-category[data-category=income-taxes]{grid-column:4;grid-row:1}.mega-menu-category[data-category=debt-credit]{grid-column:5;grid-row:1}.mega-menu-category[data-category=everyday]{grid-column:1;grid-row:2}.mega-menu-guides{grid-column:6!important;grid-row:1 / 3!important;min-height:100%}.mega-menu-tabs{display:none!important}.mega-menu-panel{display:block!important}#panel-guides{display:none!important}.desktop-only{display:block!important}}@media(min-width:1400px){.mega-menu-container{gap:var(--space-xl)!important}}@media(max-width:1023px){.desktop-only{display:none!important}.mega-menu-tabs{display:flex}.mega-menu-panel{display:none}.mega-menu-panel.active{display:block}.guides-panel-container{padding-bottom:var(--space-lg)}.guides-hub-link{padding:var(--space-md);border-top:1px solid var(--border);margin-top:var(--space-md);text-align:center}.view-all-guides-btn{display:inline-flex;align-items:center;justify-content:center;gap:var(--space-sm);padding:var(--space-md) var(--space-xl);background:var(--primary);color:var(--text-inverted);text-decoration:none;border-radius:var(--radius);font-weight:600;font-size:.9375rem;transition:background-color .2s,transform .2s;min-height:48px}.view-all-guides-btn:hover{background:var(--primary-hover);transform:translateY(-1px)}.view-all-guides-btn:focus-visible{outline:3px solid var(--primary);outline-offset:2px}.coming-soon{color:var(--text-tertiary);font-style:italic;padding:var(--space-sm) var(--space-md);font-size:.875rem}}@media(max-width:480px){.mega-menu-tab{padding:var(--space-sm);font-size:.875rem}}[data-theme=dark] .mega-menu-guides{background:var(--bg-section);border-left-color:var(--primary)}[data-theme=dark] .mega-menu-tab{color:var(--text-secondary)}[data-theme=dark] .mega-menu-tab:hover{color:var(--primary);background:var(--bg-hover)}[data-theme=dark] .mega-menu-tab.active{color:var(--primary);background:var(--bg-card)}[data-theme=dark] .featured-guides-list a:hover{background:var(--bg-hover)}[data-theme=dark] .guide-title{color:var(--text-primary)}[data-theme=dark] .guide-pillar{color:var(--text-tertiary)}[data-theme=dark] .view-all-guides-btn{background:var(--primary);color:var(--text-inverted)}[data-theme=dark] .view-all-guides-btn:hover{background:var(--primary-hover)}@media(prefers-reduced-motion:reduce){.mega-menu-tab,.featured-guides-list a,.view-all-guides-btn{transition:none}.featured-guides-list a:hover,.view-all-guides-btn:hover{transform:none}}@media(prefers-contrast:high){.mega-menu-tab{border:2px solid transparent}.mega-menu-tab.active{border-color:var(--primary)}.mega-menu-guides{border-left-width:4px}.featured-guides-list a:focus-visible,.mega-menu-tab:focus-visible,.view-all-guides-btn:focus-visible{outline-width:4px}}.mega-menu-tab:focus:not(:focus-visible),.featured-guides-list a:focus:not(:focus-visible){outline:none}.search-result-badge{display:inline-block;padding:2px 6px;margin-left:var(--space-xs);font-size:.7rem;font-weight:600;text-transform:uppercase;letter-spacing:.5px;border-radius:var(--radius);vertical-align:middle}.search-result-badge--tool{background:var(--info-bg);color:var(--info-text)}.search-result-badge--guide{background:var(--success-bg);color:var(--success-text)}[data-theme=dark] .search-result-badge--tool{background:#3b82f633;color:#93c5fd}[data-theme=dark] .search-result-badge--guide{background:#22c55e33;color:#86efac}:root{--primary: var(--dc-v2-accent);--primary-hover: var(--dc-v2-accent-hover);--primary-light: var(--dc-copper-50);--primary-dark: var(--dc-copper-700);--text-primary: #111827;--text-secondary: #4b5563;--text-tertiary: #52525b;--text-inverted: #ffffff;--bg-page: #f9fafb;--bg-card: #ffffff;--bg-input: #ffffff;--bg-section: #f3f4f6;--bg-hover: #f3f4f6;--border: #e5e7eb;--border-hover: #d1d5db;--border-focus: var(--dc-v2-border-focus);--success: #059669;--success-bg: #ecfdf5;--success-text: #065f46;--warning: #d97706;--warning-bg: #fffbeb;--warning-text: #92400e;--error: #dc2626;--error-bg: #fef2f2;--error-text: #991b1b;--info: var(--dc-v2-info);--info-bg: var(--dc-v2-info-light);--info-text: var(--dc-v2-info);--chart-primary: var(--dc-v2-accent);--chart-secondary: #764ba2;--chart-success: #10b981;--chart-warning: #f59e0b;--chart-danger: #ef4444;--chart-info: var(--dc-v2-primary);--chart-grid: #e5e7eb;--chart-text: #374151;--chart-tooltip-bg: #1f2937;--chart-tooltip-text: #f9fafb;--shadow-sm: 0 1px 2px 0 rgba(0, 0, 0, .05);--shadow: 0 1px 3px 0 rgba(0, 0, 0, .1);--shadow-md: 0 4px 6px -1px rgba(0, 0, 0, .1);--shadow-lg: 0 10px 15px rgba(0, 0, 0, .1);--space-xs: .5rem;--space-sm: .75rem;--space-md: 1rem;--space-lg: 1.5rem;--space-xl: 2rem;--space-2xl: 3rem;--radius: .5rem;--radius-lg: .75rem;--transition-colors: background-color .15s ease, color .15s ease, border-color .15s ease}[data-theme=dark]{--primary: #ed8936;--primary-hover: #dd6b20;--primary-light: rgba(237, 137, 54, .15);--primary-dark: #f6c09b;--text-primary: #f9fafb;--text-secondary: #d1d5db;--text-tertiary: #b4bcc8;--text-inverted: #111827;--bg-page: #0f172a;--bg-card: #1e293b;--bg-input: #334155;--bg-section: #1e293b;--bg-hover: #334155;--border: #334155;--border-hover: #475569;--border-focus: #ed8936;--success: #10b981;--success-bg: #064e3b;--success-text: #6ee7b7;--warning: #f59e0b;--warning-bg: #78350f;--warning-text: #fcd34d;--error: #f87171;--error-bg: #7f1d1d;--error-text: #fca5a5;--info: #63b3ed;--info-bg: rgba(43, 108, 176, .2);--info-text: #90cdf4;--chart-primary: #ed8936;--chart-secondary: #a78bfa;--chart-success: #34d399;--chart-warning: #fbbf24;--chart-danger: #f87171;--chart-info: #a0aec0;--chart-grid: #334155;--chart-text: #e2e8f0;--chart-tooltip-bg: #f9fafb;--chart-tooltip-text: #1f2937;--shadow-sm: 0 1px 2px rgba(0, 0, 0, .3);--shadow: 0 1px 3px rgba(0, 0, 0, .3);--shadow-md: 0 4px 6px rgba(0, 0, 0, .4);--shadow-lg: 0 10px 15px rgba(0, 0, 0, .5)}html{transition:var(--transition-colors)}html.no-transition,html.no-transition *{transition:none!important}@media(prefers-reduced-motion:reduce){html,html *{transition:none!important}}*{margin:0;padding:0;box-sizing:border-box}body{font-family:Inter,-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif;background:var(--bg-page);color:var(--text-primary);line-height:1.6;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;overflow-x:hidden}.nav-container{background:var(--bg-card);border-bottom:1px solid var(--border);position:sticky;top:0;z-index:1000}nav{max-width:1200px;margin:0 auto;padding:0 var(--space-lg);display:flex;align-items:center;justify-content:space-between;min-height:64px}.logo{font-size:1.25rem;font-weight:700;color:var(--primary);text-decoration:none;display:flex;align-items:center;gap:var(--space-sm)}.logo span{font-size:1.5rem}.nav-links{display:flex;gap:var(--space-xs);list-style:none;margin:0;padding:0;flex-wrap:wrap;align-items:center}.nav-links li{display:flex;align-items:center}.nav-links a{text-decoration:none;color:var(--text-secondary);padding:var(--space-sm) var(--space-md);border-radius:var(--radius);font-size:.875rem;font-weight:500;transition:all .2s;white-space:nowrap}.nav-links a:hover{color:var(--primary);background:var(--primary-light)}.nav-links a.active{color:var(--primary);background:var(--primary-light);font-weight:600}.menu-toggle{display:none;background:none;border:none;font-size:1.5rem;cursor:pointer;color:var(--text-primary);padding:var(--space-sm)}.search-container{position:relative;flex:1;max-width:320px;margin:0 var(--space-md)}.search-container.search-active{z-index:1002}.search-input-wrapper{position:relative;display:flex;align-items:center}.search-input{width:100%;padding:var(--space-sm) 32px var(--space-sm) 2.5rem;font-size:.875rem;border:1px solid var(--border);border-radius:9999px;background:var(--bg-input);color:var(--text-primary);transition:border-color .2s,box-shadow .2s}.search-input::placeholder{color:var(--text-tertiary)}.search-input:focus{outline:none;border-color:var(--primary);box-shadow:0 0 0 3px #2563eb1a}.search-input:hover:not(:focus){border-color:var(--primary)}.search-input:-webkit-autofill,.search-input:-webkit-autofill:hover,.search-input:-webkit-autofill:focus,.search-input:-webkit-autofill:active{-webkit-box-shadow:0 0 0 30px var(--bg-input) inset!important;-webkit-text-fill-color:var(--text-primary)!important;transition:background-color 5000s ease-in-out 0s}.search-input::selection{background:#2563eb4d;color:var(--text-primary)}.search-icon{position:absolute;left:var(--space-sm);color:var(--text-tertiary);pointer-events:none;display:flex;align-items:center;padding-left:4px}.search-clear{position:absolute;right:4px;top:50%;transform:translateY(-50%);width:24px;height:24px;padding:0;display:flex;align-items:center;justify-content:center;background:transparent;border:none;border-radius:50%;color:var(--text-tertiary);cursor:pointer;font-size:1rem;line-height:1;opacity:.6;transition:opacity .15s,background-color .15s}.search-clear:hover{opacity:1;background:var(--bg-hover, rgba(0, 0, 0, .05))}.search-clear:focus-visible{outline:2px solid var(--primary);outline-offset:1px}.search-clear[hidden]{display:none}.search-results{position:absolute;top:calc(100% + var(--space-xs));left:0;right:0;max-height:320px;overflow-y:auto;background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow-md);list-style:none;padding:var(--space-xs) 0;margin:0;display:none;z-index:1003}.search-results.active{display:block}.search-result-item{padding:0;margin:0}.search-result-link{display:flex;flex-direction:column;padding:var(--space-sm) var(--space-md);text-decoration:none;color:var(--text-primary);transition:background-color .15s}.search-result-item:hover .search-result-link,.search-result-item.highlighted .search-result-link{background-color:var(--primary-light)}.search-result-item.highlighted{outline:2px solid var(--primary);outline-offset:-2px}.search-result-name{font-weight:500;font-size:.9375rem}.search-result-category{font-size:.75rem;color:var(--text-tertiary);margin-top:2px}.search-highlight{background-color:#fef3c7;color:#92400e;padding:0 2px;border-radius:2px}[data-theme=dark] .search-highlight{background-color:#fbbf244d;color:#fcd34d}.search-no-results{padding:var(--space-md);text-align:center;color:var(--text-secondary);font-size:.875rem}.visually-hidden{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.author-attribution{margin:2rem 0 1rem;padding:1rem 1.25rem;background:var(--bg-section);border-left:3px solid var(--success);border-radius:0 6px 6px 0;font-size:.875rem;line-height:1.6}.author-attribution--verified{border-left-color:var(--primary);background:linear-gradient(to right,var(--primary-light),var(--bg-section))}.attribution-text{margin:0;display:flex;align-items:flex-start;flex-wrap:wrap;gap:.25rem;color:var(--text-secondary)}.attribution-icon{flex-shrink:0;margin-right:.5rem;margin-top:.1rem;color:var(--success)}.author-attribution--verified .attribution-icon{color:var(--primary)}.attribution-link{color:var(--primary);text-decoration:underline;text-underline-offset:2px}.attribution-link:hover{color:var(--primary-hover)}.attribution-detail{display:block;width:100%;margin-top:.5rem;font-size:.8125rem;color:var(--text-tertiary)}.attribution-detail a{color:var(--text-tertiary);text-decoration:underline}.attribution-detail a:hover{color:var(--primary)}.answer-capsule{background:linear-gradient(135deg,var(--primary-light) 0%,#f0f9ff 100%);border:1px solid #bfdbfe;border-left:4px solid var(--primary);border-radius:0 var(--radius) var(--radius) 0;padding:1rem 1.25rem;margin:0 0 var(--space-lg) 0;font-size:.9375rem;line-height:1.7}.answer-capsule-label{display:inline-block;background:var(--primary);color:#fff;font-size:.6875rem;font-weight:600;text-transform:uppercase;letter-spacing:.05em;padding:.2rem .5rem;border-radius:3px;margin-bottom:.5rem}.answer-capsule p{margin:0;color:var(--text-primary)}.answer-capsule strong{color:var(--primary)}@media(max-width:768px){.answer-capsule{padding:.875rem 1rem;font-size:.875rem;margin-bottom:var(--space-md)}.answer-capsule-label{font-size:.625rem}}.main-wrapper{max-width:800px;margin:0 auto;padding:var(--space-xl) var(--space-lg);min-height:calc(100vh - 64px)}.calculator{background:var(--bg-card);padding:var(--space-2xl);border-radius:var(--radius-lg);box-shadow:var(--shadow-md);border:1px solid var(--border)}.calculator h1{font-size:1.875rem;font-weight:700;color:var(--text-primary);margin-bottom:var(--space-sm);line-height:1.2}.results-heading,#results h2.results-heading,.breakdown h2{font-size:1.125rem;font-weight:600;color:var(--text-primary);margin-bottom:var(--space-md)}.quick-answer{background:var(--bg-section);border-left:4px solid var(--primary);padding:var(--space-md) var(--space-lg);margin-bottom:var(--space-lg);border-radius:var(--radius)}.quick-answer h2{font-size:1.1rem;margin-bottom:var(--space-xs);color:var(--text-primary)}.quick-answer p{margin:0;color:var(--text-secondary);line-height:1.6}.input-section{display:grid;gap:var(--space-lg);margin-bottom:var(--space-xl)}.input-group{display:flex;flex-direction:column;gap:var(--space-sm)}label{font-weight:600;font-size:.875rem;color:var(--text-primary);display:flex;align-items:center;gap:var(--space-xs)}input,select{width:100%;padding:.75rem 1rem;font-size:1rem;border-radius:var(--radius);border:1px solid var(--border);background:var(--bg-input);color:var(--text-primary);transition:all .2s;font-family:inherit}input:hover,select:hover{border-color:var(--text-tertiary)}input:focus,select:focus{outline:none;border-color:var(--border-focus);box-shadow:0 0 0 3px var(--primary-light)}button{width:100%;padding:.875rem 1.5rem;font-size:1rem;font-weight:600;background:var(--primary);color:#fff;border:none;border-radius:var(--radius);cursor:pointer;transition:all .2s;font-family:inherit}button:hover{background:var(--primary-hover)}button:active{transform:translateY(1px)}button:focus-visible{outline:2px solid var(--primary);outline-offset:2px}.error-message{margin-top:var(--space-lg);padding:var(--space-md);background-color:#fef2f2;border:1px solid #fca5a5;border-radius:var(--radius);color:#991b1b}.error-message strong{display:block;margin-bottom:var(--space-xs);font-weight:600}.error-message p{margin:0;font-size:.875rem}.error-message[hidden],.calculation-error[hidden]{display:none}.error-message:empty{display:none}.empty-state{margin-top:var(--space-xl);padding:var(--space-xl);background:var(--bg-section);border-radius:var(--radius);border:1px dashed var(--border);text-align:center}.empty-state p{color:var(--text-secondary);font-size:.9375rem;margin:0}.empty-state .empty-state-icon{font-size:2rem;margin-bottom:var(--space-sm);opacity:.7}.results{margin-top:var(--space-xl);padding-top:var(--space-xl);border-top:2px solid var(--border)}.summary{display:grid;gap:var(--space-md);margin-bottom:var(--space-xl)}.summary-card{background:var(--bg-section);padding:var(--space-lg);border-radius:var(--radius);border:1px solid var(--border)}.summary-label{font-size:.875rem;font-weight:500;color:var(--text-secondary);margin-bottom:var(--space-xs)}.summary-value{font-size:1.875rem;font-weight:700;color:var(--text-primary);line-height:1}.summary-value.highlight{color:var(--primary)}.chart-container{background:var(--bg-section);padding:var(--space-lg);border-radius:var(--radius);border:1px solid var(--border);margin-top:var(--space-lg)}.breakdown{margin-top:var(--space-lg);padding:var(--space-lg);background:var(--bg-section);border-radius:var(--radius);border:1px solid var(--border)}.breakdown h3{font-size:1rem;font-weight:600;color:var(--text-primary);margin-bottom:var(--space-md)}.breakdown-grid{display:grid;gap:var(--space-md)}.breakdown-item{display:flex;justify-content:space-between;align-items:center;padding:var(--space-md);background:var(--bg-card);border-radius:var(--radius);border:1px solid var(--border)}.breakdown-label{font-size:.875rem;font-weight:500;color:var(--text-secondary)}.breakdown-value{font-size:1.125rem;font-weight:700;color:var(--text-primary)}.info-section{margin-top:var(--space-2xl);padding-top:var(--space-2xl);border-top:1px solid var(--border)}.info-section h2{font-size:1.25rem;font-weight:600;color:var(--text-primary);margin-bottom:var(--space-lg)}.info-grid{display:grid;gap:var(--space-lg)}.info-card{padding:var(--space-lg);background:var(--bg-section);border-radius:var(--radius);border:1px solid var(--border)}.info-card h3{font-size:1rem;font-weight:600;color:var(--text-primary);margin-bottom:var(--space-sm);display:flex;align-items:center;gap:var(--space-xs)}.info-card p{font-size:.9375rem;color:var(--text-secondary);line-height:1.6}.info-card ul{margin-top:var(--space-sm);padding-left:var(--space-lg);color:var(--text-secondary)}.info-card li{margin:var(--space-xs) 0;font-size:.9375rem}.calculator-bridge{margin:var(--space-xl) 0;padding:var(--space-lg);background:linear-gradient(135deg,#eff6ff,#dbeafe);border-radius:12px;border:2px solid var(--primary)}.bridge-card{display:flex;gap:var(--space-lg);align-items:flex-start}.bridge-icon{font-size:3rem;flex-shrink:0}.bridge-content h3{margin:0 0 .75rem;color:var(--text-primary);font-size:1.25rem;font-weight:600}.bridge-content p{color:var(--text-secondary);margin-bottom:var(--space-md);line-height:1.6}.bridge-content ul{margin:var(--space-md) 0;padding-left:var(--space-lg);list-style:disc}.bridge-content li{margin:var(--space-sm) 0;color:var(--text-secondary);line-height:1.5}.btn-cta{display:inline-block;background:var(--primary);color:#fff;padding:.75rem 1.5rem;border-radius:var(--radius);text-decoration:none;font-weight:600;transition:background .2s;margin-top:var(--space-sm)}.btn-cta:hover{background:var(--primary-hover)}@media(max-width:768px){.bridge-card{flex-direction:column}.bridge-icon{font-size:2rem}}.faq-container{display:flex;flex-direction:column;gap:var(--space-lg)}.faq-item{padding:var(--space-lg);background:var(--bg-card);border-radius:var(--radius);border:1px solid var(--border)}.faq-item h3{font-size:1.0625rem;font-weight:600;color:var(--text-primary);margin-bottom:var(--space-sm)}.faq-item p{font-size:.9375rem;color:var(--text-secondary);line-height:1.6}.comparison-wrapper{overflow-x:auto}.comparison-table{width:100%;border-collapse:collapse;margin:var(--space-lg) 0;background:var(--bg-card);border-radius:var(--radius);overflow:hidden;border:1px solid var(--border)}.comparison-table th,.comparison-table td{padding:var(--space-md);text-align:left;border-bottom:1px solid var(--border)}.comparison-table thead{background:var(--bg-section)}.comparison-table th{font-weight:600;color:var(--text-primary);font-size:.9375rem}.comparison-table td{font-size:.9375rem;color:var(--text-secondary)}.comparison-table td:first-child{font-weight:500;color:var(--text-primary)}.comparison-table tbody tr:last-child td{border-bottom:none}.tool-links{display:flex;gap:var(--space-md);justify-content:center;margin-top:var(--space-xl);flex-wrap:wrap}.tool-link-btn{display:inline-block;background:var(--primary);color:#fff;padding:.75rem 1.5rem;border-radius:var(--radius);text-decoration:none;font-weight:600;transition:background .2s;text-align:center;min-width:200px}.tool-link-btn:hover{background:var(--primary-hover)}@media(max-width:768px){.comparison-table{font-size:.8125rem}.comparison-table th,.comparison-table td{padding:var(--space-sm)}.tool-links{flex-direction:column}.tool-link-btn{width:100%}}@keyframes slideDown{0%{opacity:0;transform:translateY(-10px)}to{opacity:1;transform:translateY(0)}}.results:not([hidden]){animation:slideDown .3s ease-out}@media(max-width:768px){nav{padding:0 var(--space-md);min-height:56px}.logo{font-size:1.125rem}.logo span{font-size:1.25rem}.search-container{flex:0 1 auto;max-width:160px;margin:0 var(--space-xs);transition:all .2s ease}.search-container.search-active{position:absolute;left:60px;right:50px;max-width:none}.search-container.search-active .search-input{width:100%}.search-input{padding:var(--space-xs) var(--space-md) var(--space-xs) 2rem;font-size:.8125rem}.search-icon svg{width:14px;height:14px}.search-results{position:fixed;top:56px;left:0;right:0;max-height:calc(100vh - 116px);border-radius:0;border-left:none;border-right:none;z-index:1003}.search-backdrop{position:fixed;inset:56px 0 0;background:#0000004d;z-index:1000;display:none}.search-backdrop.active{display:block}.search-result-item{min-height:56px}.search-result-link{padding:var(--space-md);min-height:56px;display:flex;flex-direction:column;justify-content:center}.search-result-name{font-size:1rem}.search-result-category{font-size:.8125rem}.search-no-results{padding:var(--space-lg);min-height:56px}.author-attribution{padding:.875rem 1rem;margin:1.5rem 0 .75rem}.attribution-detail{margin-top:.375rem}.menu-toggle{display:block}.nav-links{position:absolute;top:100%;left:0;right:0;background:var(--bg-card);flex-direction:column;padding:var(--space-md);border-bottom:1px solid var(--border);box-shadow:var(--shadow-md);display:none}.nav-links.active{display:flex}.nav-links a{padding:var(--space-md);width:100%}.main-wrapper{padding:var(--space-lg) var(--space-md)}.calculator{padding:var(--space-lg)}.calculator h1,.summary-value{font-size:1.5rem}.calculator{padding:var(--space-xl)}.info-section{margin-top:var(--space-xl);padding-top:var(--space-xl)}.info-grid{grid-template-columns:1fr}.save-load-actions{display:grid;grid-template-columns:1fr 1fr;gap:var(--space-xs)}.action-btn{flex-direction:column;padding:var(--space-sm);min-height:44px;font-size:.75rem;text-align:center}.action-btn span{display:block;font-size:.6875rem;line-height:1.2}.action-icon{margin-bottom:2px}.chart-container{padding:var(--space-md);margin-left:calc(-1 * var(--space-lg));margin-right:calc(-1 * var(--space-lg));width:calc(100% + 2 * var(--space-lg));border-radius:0;border-left:none;border-right:none;box-sizing:border-box}.chart-container canvas{max-height:280px!important}}@media(max-width:480px){.save-load-actions{display:flex;flex-direction:column;gap:var(--space-xs)}.save-load-actions .action-btn{flex-direction:row;justify-content:center;min-height:44px;padding:var(--space-sm) var(--space-md);width:100%}.save-load-actions .action-btn span{font-size:.8125rem}.save-load-actions .action-icon{margin-bottom:0;margin-right:var(--space-xs)}}@media(min-width:769px)and (max-width:1024px){.main-wrapper{max-width:700px}nav{flex-wrap:wrap;min-height:auto;padding:var(--space-md) var(--space-lg);row-gap:var(--space-sm)}.logo{order:1}.search-container{order:2;flex:1 1 auto;max-width:280px;margin:0 var(--space-md)}.theme-toggle{order:3}.nav-links{order:4;flex-basis:100%;justify-content:center;margin-top:0}.nav-links a{font-size:.8125rem;padding:var(--space-xs) var(--space-sm)}}@media(min-width:1025px){.summary,.breakdown-grid{grid-template-columns:repeat(3,1fr)}.breakdown-item{flex-direction:column;align-items:flex-start;gap:var(--space-xs)}.info-grid{grid-template-columns:repeat(2,1fr)}}.print-header{display:none}@media print{.print-header{display:flex!important;align-items:center;gap:.75rem;padding-bottom:1rem;margin-bottom:1rem;border-bottom:2px solid #2563eb}.print-header__logo{width:40px;height:40px}.print-header__text{display:flex;flex-direction:column}.print-header__name{font-size:14pt;font-weight:700;color:#1f2937!important}.print-header__url{font-size:9pt;color:#6b7280!important}.nav-container,.site-footer,.mega-menu,.mobile-menu-btn,.hamburger,.preset-buttons,.advanced-toggle,#advancedToggle,.reset-btn,.copy-link-btn,.share-btn{display:none!important}button:not(.print-visible){display:none!important}.input-section{display:none!important}@page{margin:1in;size:letter portrait}body{background:#fff!important;color:#000!important;font-size:12pt;line-height:1.5}.calculator{box-shadow:none!important;border:none!important;padding:0!important;max-width:100%!important}.main-wrapper{padding:0!important;max-width:100%!important}.calculator h1{font-size:18pt;color:#000!important;margin-bottom:.5rem;page-break-after:avoid}.calculator .subtitle{display:none!important}.results,#results,[class*=result]{page-break-inside:avoid}.result-card,.summary-card,.metric-card{border:1px solid #ddd!important;box-shadow:none!important;background:#fff!important;page-break-inside:avoid}.result-value,.metric-value,[id$=Value],[id$=Amount],[id$=Payment]{font-size:14pt;font-weight:600;color:#000!important}table{border-collapse:collapse;width:100%;page-break-inside:auto}th,td{border:1px solid #ddd!important;padding:8px!important;text-align:left}th{background:#f5f5f5!important;color:#000!important;font-weight:600}tr{page-break-inside:avoid}canvas{display:none!important}.chart-container,.error-message,#calculationError,.whatif-section,.comparison-section{display:none!important}.breakdown,.summary,.summary-section{page-break-inside:avoid}.calculator:after{content:"Source: DigitalCalculator.info";display:block;margin-top:2rem;padding-top:1rem;border-top:1px solid #ddd;font-size:10pt;color:#666!important;text-align:center}}@media(prefers-reduced-motion:reduce){*,*:before,*:after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important}}*:focus-visible{outline:2px solid var(--primary);outline-offset:2px}.mega-menu{position:absolute;top:100%;left:0;right:0;background:var(--bg-card);border-top:1px solid var(--border);box-shadow:var(--shadow-md);display:none;z-index:1000}.mega-menu.active{display:block}.mega-menu-container{max-width:1200px;margin:0 auto;padding:var(--space-xl) var(--space-lg);display:grid;grid-template-columns:repeat(5,1fr);gap:var(--space-xl)}.mega-menu-category{min-width:0}.category-heading{font-size:.8125rem;font-weight:600;text-transform:uppercase;letter-spacing:.05em;color:var(--text-primary);margin-bottom:var(--space-md);display:flex;align-items:center;gap:var(--space-sm);padding-bottom:var(--space-sm);border-bottom:2px solid var(--primary)}.category-icon{display:inline-flex;align-items:center;justify-content:center;width:1.125rem;height:1.125rem;flex-shrink:0}.category-icon svg{width:100%;height:100%;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;fill:none}.category-heading:hover .category-icon svg{stroke:var(--dc-v2-accent, #a65f36)}.mega-menu-tab span[aria-hidden=true]{display:inline-flex;align-items:center;margin-right:.25rem}.mega-menu-tab span[aria-hidden=true] svg{width:1rem;height:1rem;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;fill:none}.category-links{list-style:none;padding:0;margin:0}.category-links li{margin:0}.category-links a{display:block;padding:var(--space-xs) 0;color:var(--text-secondary);text-decoration:none;font-size:.875rem;font-weight:400;transition:color .2s,padding-left .2s;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}.category-links a:hover{color:var(--primary);padding-left:var(--space-xs)}.category-view-all{display:inline-block;margin-top:var(--space-md);font-size:.8125rem;font-weight:600;color:var(--primary);text-decoration:none;transition:color .2s}.category-view-all:hover{color:var(--primary-hover);text-decoration:underline}.mega-menu-trigger{cursor:pointer;user-select:none;display:flex;align-items:center;gap:.375rem;background:none;border:none;padding:var(--space-sm) var(--space-md);font-size:.875rem;font-weight:500;color:var(--text-secondary);border-radius:var(--radius);transition:all .2s;font-family:inherit;width:auto}.mega-menu-trigger:hover{color:var(--primary);background:var(--primary-light)}.mega-menu-trigger:after{content:"";width:0;height:0;border-left:4px solid transparent;border-right:4px solid transparent;border-top:5px solid currentColor;transition:transform .2s}.mega-menu-trigger[aria-expanded=true]:after{transform:rotate(180deg)}@media(max-width:1023px){.mega-menu-container{grid-template-columns:1fr;padding:var(--space-md);gap:0}.mega-menu-category{border-bottom:1px solid var(--border)}.mega-menu-category:last-child{border-bottom:none}.category-heading{cursor:pointer;padding:var(--space-md) 0;margin:0;border-bottom:none;justify-content:space-between}.category-heading:after{content:"";width:0;height:0;border-left:5px solid transparent;border-right:5px solid transparent;border-top:6px solid var(--text-secondary);transition:transform .2s;margin-left:auto}.mega-menu-category.expanded .category-heading:after{transform:rotate(180deg)}.category-links{display:none;padding:0 0 var(--space-md) var(--space-md)}.mega-menu-category.expanded .category-links{display:block}.category-links a{padding:var(--space-sm) var(--space-md);background:var(--bg-section);margin:2px 0;border-radius:var(--radius)}.category-view-all{display:none}.mega-menu-category.expanded .category-view-all{display:block;padding:var(--space-sm) var(--space-md);margin-left:var(--space-md);margin-bottom:var(--space-md)}}.nav-container,.nav-container nav,.nav-container .logo,.nav-container .nav-links,.nav-container .mega-menu,.nav-container .search-input{font-family:Instrument Sans,-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif}.nav-container{background:var(--dc-v2-bg-secondary, #f9f8f6);border-bottom-color:var(--dc-v2-border-primary, #e2e8f0)}.logo{color:var(--dc-v2-primary, #3d4f5f)}.logo:hover{color:var(--dc-v2-primary-hover, #2d3b47)}.nav-links a,.nav-links .nav-link{color:var(--dc-v2-text-secondary, #475569)}.nav-links a:hover,.nav-links .nav-link:hover,.nav-links a.active,.nav-links .nav-link.active{color:var(--dc-v2-accent, #a65f36);background:var(--dc-copper-50, #fdf8f6)}.mega-menu-trigger{color:var(--dc-v2-text-secondary, #475569)}.mega-menu-trigger:hover{color:var(--dc-v2-accent, #a65f36);background:var(--dc-copper-50, #fdf8f6)}.mega-menu{background:var(--dc-v2-bg-secondary, #f9f8f6);border-top-color:var(--dc-v2-border-primary, #e2e8f0)}.category-heading{color:var(--dc-v2-primary, #3d4f5f);border-bottom-color:var(--dc-v2-accent, #a65f36)}.category-links a{color:var(--dc-v2-text-secondary, #475569)}.category-links a:hover,.category-view-all{color:var(--dc-v2-accent, #a65f36)}.category-view-all:hover{color:var(--dc-v2-accent-hover, #9a5732)}.mega-menu-guides{background:var(--dc-v2-bg-primary, #ffffff);border-left-color:var(--dc-v2-accent, #a65f36)}.mega-menu-guides .category-heading{color:var(--dc-v2-primary, #3d4f5f);border-bottom-color:var(--dc-v2-accent, #a65f36)}.guide-title{color:var(--dc-v2-text-primary, #1e2a33)}.featured-guides-list a:hover{background:var(--dc-copper-50, #fdf8f6)}.featured-guides-list a:focus-visible{outline-color:var(--dc-v2-accent, #a65f36)}.mega-menu-tabs{background:var(--dc-v2-bg-tertiary, #f3f0ed)}.mega-menu-tab{color:var(--dc-v2-text-secondary, #475569)}.mega-menu-tab:hover{color:var(--dc-v2-accent, #a65f36);background:var(--dc-copper-50, #fdf8f6)}.mega-menu-tab.active{color:var(--dc-v2-accent, #a65f36);border-bottom-color:var(--dc-v2-accent, #a65f36);background:var(--dc-v2-bg-secondary, #f9f8f6)}.mega-menu-tab:focus-visible{outline-color:var(--dc-v2-accent, #a65f36)}.search-container .search-input{background:var(--dc-v2-bg-primary, #ffffff)!important;border-color:var(--dc-v2-border-secondary, #cbd5e1);color:var(--dc-v2-text-primary, #1e2a33);-webkit-appearance:none;-moz-appearance:none;appearance:none}.search-container .search-input::placeholder{color:var(--dc-v2-text-muted, #94a3b8)}.search-container .search-input:focus,.search-container .search-input:focus-visible{border-color:var(--dc-v2-accent, #a65f36);box-shadow:0 0 0 3px #b86a3d26;background:var(--dc-v2-bg-primary, #ffffff)!important;outline:none}.search-container .search-input:hover,.search-container .search-input:hover:not(:focus){border-color:var(--dc-v2-accent, #a65f36);background:var(--dc-v2-bg-primary, #ffffff)!important}.search-container .search-input:active,.search-container .search-input:valid,.search-container .search-input:not(:placeholder-shown){background:var(--dc-v2-bg-primary, #ffffff)!important}.search-container .search-input:-webkit-autofill,.search-container .search-input:-webkit-autofill:hover,.search-container .search-input:-webkit-autofill:focus,.search-container .search-input:-webkit-autofill:active{-webkit-box-shadow:0 0 0 30px var(--dc-v2-bg-primary, #ffffff) inset!important;-webkit-text-fill-color:var(--dc-v2-text-primary, #1e2a33)!important;caret-color:var(--dc-v2-text-primary, #1e2a33)}.search-container .search-input::selection{background:#b86a3d33;color:var(--dc-v2-text-primary, #1e2a33)}.search-container .search-input::-webkit-search-cancel-button,.search-container .search-input::-webkit-search-decoration,.search-container .search-input::-webkit-search-results-button,.search-container .search-input::-webkit-search-results-decoration{-webkit-appearance:none;appearance:none;display:none}.search-icon{color:var(--dc-v2-text-muted, #94a3b8)}.search-container .search-clear{color:var(--dc-v2-text-muted, #94a3b8);background:transparent}.search-container .search-clear:hover{color:var(--dc-v2-accent, #a65f36);background:var(--dc-v2-bg-tertiary, #f3f0ed)}.search-results{background:var(--dc-v2-bg-primary, #ffffff);border-color:var(--dc-v2-border-primary, #e2e8f0)}.search-result-item:hover .search-result-link,.search-result-item.highlighted .search-result-link{background-color:var(--dc-copper-50, #fdf8f6)}.search-result-item.highlighted{outline:2px solid var(--dc-v2-accent, #a65f36);outline-offset:-2px}.search-result-link:focus{outline:2px solid var(--dc-v2-accent, #a65f36);outline-offset:-2px;background-color:var(--dc-copper-50, #fdf8f6)}.theme-toggle{color:var(--dc-v2-text-secondary, #475569)}.theme-toggle:hover{background:var(--dc-copper-50, #fdf8f6);color:var(--dc-v2-primary, #3d4f5f)}.theme-toggle:focus-visible{box-shadow:0 0 0 4px #b86a3d4d}.menu-toggle{color:var(--dc-v2-text-primary, #1e2a33)}[data-theme=dark] .nav-container{background:var(--dc-v2-bg-primary, #1a1d21);border-bottom-color:var(--dc-v2-border-primary, #343a44)}[data-theme=dark] .logo{color:var(--dc-v2-text-primary, #f5f5f5)}[data-theme=dark] .logo:hover{color:var(--dc-v2-accent, #d4845a)}[data-theme=dark] .nav-links a,[data-theme=dark] .nav-links .nav-link{color:var(--dc-v2-text-secondary, #b8bcc4)}[data-theme=dark] .nav-links a:hover,[data-theme=dark] .nav-links .nav-link:hover{color:var(--dc-v2-accent, #d4845a);background:#d4845a1a}[data-theme=dark] .nav-links a.active,[data-theme=dark] .nav-links .nav-link.active{color:var(--dc-v2-accent, #d4845a);background:#d4845a26}[data-theme=dark] .mega-menu-trigger{color:var(--dc-v2-text-secondary, #b8bcc4)}[data-theme=dark] .mega-menu-trigger:hover{color:var(--dc-v2-accent, #d4845a);background:#d4845a1a}[data-theme=dark] .mega-menu{background:var(--dc-v2-bg-secondary, #242830);border-top-color:var(--dc-v2-border-primary, #343a44)}[data-theme=dark] .category-heading{color:var(--dc-v2-text-primary, #f5f5f5);border-bottom-color:var(--dc-v2-accent, #d4845a)}[data-theme=dark] .category-links a{color:var(--dc-v2-text-secondary, #b8bcc4)}[data-theme=dark] .category-links a:hover,[data-theme=dark] .category-view-all{color:var(--dc-v2-accent, #d4845a)}[data-theme=dark] .category-view-all:hover{color:var(--dc-v2-accent-hover, #e6a074)}[data-theme=dark] .mega-menu-guides{background:var(--dc-v2-bg-tertiary, #2d323a);border-left-color:var(--dc-v2-accent, #d4845a)}[data-theme=dark] .mega-menu-guides .category-heading{color:var(--dc-v2-text-primary, #f5f5f5);border-bottom-color:var(--dc-v2-accent, #d4845a)}[data-theme=dark] .guide-title{color:var(--dc-v2-text-primary, #f5f5f5)}[data-theme=dark] .featured-guides-list a:hover{background:#d4845a1a}[data-theme=dark] .mega-menu-tabs{background:var(--dc-v2-bg-tertiary, #2d323a);border-bottom-color:var(--dc-v2-border-primary, #343a44)}[data-theme=dark] .mega-menu-tab{color:var(--dc-v2-text-secondary, #b8bcc4)}[data-theme=dark] .mega-menu-tab:hover{color:var(--dc-v2-accent, #d4845a);background:#d4845a1a}[data-theme=dark] .mega-menu-tab.active{color:var(--dc-v2-accent, #d4845a);border-bottom-color:var(--dc-v2-accent, #d4845a);background:var(--dc-v2-bg-secondary, #242830)}[data-theme=dark] .search-container .search-input{background:var(--dc-v2-bg-tertiary, #2d323a)!important;border-color:var(--dc-v2-border-secondary, #4b5563);color:var(--dc-v2-text-primary, #f5f5f5)}[data-theme=dark] .search-container .search-input::placeholder{color:var(--dc-v2-text-muted, #6b7280)}[data-theme=dark] .search-container .search-input:focus,[data-theme=dark] .search-container .search-input:focus-visible{border-color:var(--dc-v2-accent, #d4845a);box-shadow:0 0 0 3px #d4845a33;background:var(--dc-v2-bg-tertiary, #2d323a)!important;outline:none}[data-theme=dark] .search-container .search-input:hover,[data-theme=dark] .search-container .search-input:hover:not(:focus){border-color:var(--dc-v2-accent, #d4845a);background:var(--dc-v2-bg-tertiary, #2d323a)!important}[data-theme=dark] .search-container .search-input:active,[data-theme=dark] .search-container .search-input:valid,[data-theme=dark] .search-container .search-input:not(:placeholder-shown){background:var(--dc-v2-bg-tertiary, #2d323a)!important}[data-theme=dark] .search-container .search-input:-webkit-autofill,[data-theme=dark] .search-container .search-input:-webkit-autofill:hover,[data-theme=dark] .search-container .search-input:-webkit-autofill:focus,[data-theme=dark] .search-container .search-input:-webkit-autofill:active{-webkit-box-shadow:0 0 0 30px var(--dc-v2-bg-tertiary, #2d323a) inset!important;-webkit-text-fill-color:var(--dc-v2-text-primary, #f5f5f5)!important;caret-color:var(--dc-v2-text-primary, #f5f5f5)}[data-theme=dark] .search-container .search-input::selection{background:#d4845a4d;color:var(--dc-v2-text-primary, #f5f5f5)}[data-theme=dark] .search-icon{color:var(--dc-v2-text-muted, #6b7280)}[data-theme=dark] .search-container .search-clear{color:var(--dc-v2-text-muted, #6b7280);background:transparent}[data-theme=dark] .search-container .search-clear:hover{color:var(--dc-v2-accent, #d4845a);background:var(--dc-v2-bg-tertiary, #2d3748)}[data-theme=dark] .search-results{background:var(--dc-v2-bg-secondary, #242830);border-color:var(--dc-v2-border-primary, #343a44)}[data-theme=dark] .search-result-item:hover .search-result-link,[data-theme=dark] .search-result-item.highlighted .search-result-link{background-color:#d4845a26}[data-theme=dark] .search-result-item.highlighted{outline:2px solid var(--dc-v2-accent, #d4845a)}[data-theme=dark] .search-result-link:focus{outline:2px solid var(--dc-v2-accent, #d4845a);background-color:#d4845a26}[data-theme=dark] .theme-toggle{color:var(--dc-v2-text-secondary, #b8bcc4)}[data-theme=dark] .theme-toggle:hover{background:#d4845a1a;color:var(--dc-v2-text-primary, #f5f5f5)}[data-theme=dark] .theme-toggle:focus-visible{box-shadow:0 0 0 4px #d4845a66}[data-theme=dark] .menu-toggle{color:var(--dc-v2-text-primary, #f5f5f5)}@media(max-width:1023px){[data-theme=dark] .category-links a{background:var(--dc-v2-bg-tertiary, #2d323a)}[data-theme=dark] .category-links a:hover{background:#d4845a26}}.breadcrumb{padding:var(--space-md) 0;margin-bottom:var(--space-md)}.breadcrumb-list{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;align-items:center;gap:var(--space-xs);font-size:.875rem}.breadcrumb-list li{display:flex;align-items:center}.breadcrumb-list a{color:var(--text-secondary);text-decoration:none;transition:color .2s}.breadcrumb-list a:hover{color:var(--primary);text-decoration:underline}.breadcrumb-list .separator{color:var(--text-tertiary);user-select:none;margin:0 var(--space-xs)}.breadcrumb-list [aria-current=page]{color:var(--text-primary);font-weight:500}.related-calculators{margin-top:var(--space-2xl);padding-top:var(--space-xl);border-top:1px solid var(--border)}.related-calculators h2{font-size:1.25rem;font-weight:600;margin-bottom:var(--space-lg);color:var(--text-primary)}.related-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:var(--space-md)}.related-card{display:flex;align-items:flex-start;gap:var(--space-md);padding:var(--space-md);background:var(--bg-section);border-radius:var(--radius);text-decoration:none;transition:all .2s;border:1px solid var(--border)}.related-card:hover{background:var(--primary-light);border-color:var(--primary);transform:translateY(-2px)}.related-icon{font-size:1.5rem;flex-shrink:0}.related-content h3{font-size:.9375rem;font-weight:600;color:var(--text-primary);margin-bottom:var(--space-xs)}.related-content p{font-size:.8125rem;color:var(--text-secondary);margin:0;line-height:1.4}.category-header{text-align:center;margin-bottom:var(--space-2xl)}.category-icon-large{font-size:3rem;display:block;margin-bottom:var(--space-md)}.category-description{color:var(--text-secondary);font-size:1.125rem;max-width:600px;margin:0 auto;line-height:1.6}.calculator-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:var(--space-lg);margin-bottom:var(--space-2xl)}.calculator-card{display:block;padding:var(--space-xl);background:var(--bg-section);border-radius:var(--radius-lg);text-decoration:none;transition:all .2s;border:1px solid var(--border)}.calculator-card:hover{background:var(--primary-light);border-color:var(--primary);transform:translateY(-4px);box-shadow:var(--shadow-md)}.calculator-card h2{font-size:1.125rem;font-weight:600;color:var(--text-primary);margin-bottom:var(--space-sm)}.calculator-card p{font-size:.9375rem;color:var(--text-secondary);margin-bottom:var(--space-md);line-height:1.5}.card-cta{font-size:.875rem;font-weight:600;color:var(--primary)}.category-content{margin-top:var(--space-2xl);padding-top:var(--space-xl);border-top:1px solid var(--border)}.category-content h2{font-size:1.5rem;margin-bottom:var(--space-lg)}.category-content p{color:var(--text-secondary);line-height:1.7;margin-bottom:var(--space-md)}.category-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:var(--space-lg);margin-bottom:var(--space-2xl)}.category-card{display:block;padding:var(--space-xl);background:var(--bg-section);border-radius:var(--radius-lg);text-decoration:none;transition:all .2s;border:1px solid var(--border);position:relative}.category-card:hover{background:var(--primary-light);border-color:var(--primary);transform:translateY(-4px);box-shadow:var(--shadow-md)}.category-card-icon{font-size:2.5rem;display:block;margin-bottom:var(--space-md)}.category-card h2{font-size:1.25rem;font-weight:600;color:var(--text-primary);margin-bottom:var(--space-sm)}.category-card p{font-size:.9375rem;color:var(--text-secondary);margin-bottom:var(--space-md);line-height:1.5}.card-count{display:inline-block;font-size:.8125rem;color:var(--text-tertiary);background:var(--bg-card);padding:var(--space-xs) var(--space-sm);border-radius:var(--radius);margin-bottom:var(--space-sm)}.results-disclaimer{margin-top:1.5rem;padding:.75rem 1rem;border-left:3px solid #d1d5db;background:#f9fafb;font-size:13px;color:#525252}.results-disclaimer strong{color:#374151}.btn-secondary{background:var(--bg-section);color:var(--text-primary);border:1px solid var(--border);padding:.625rem 1rem;font-size:.875rem;font-weight:500;border-radius:var(--radius);cursor:pointer;transition:all .2s;font-family:inherit}.btn-secondary:hover{background:var(--border);border-color:var(--text-tertiary)}.btn-primary{background:var(--primary);color:#fff;border:none;padding:.625rem 1rem;font-size:.875rem;font-weight:500;border-radius:var(--radius);cursor:pointer;transition:all .2s;font-family:inherit}.btn-primary:hover{background:var(--primary-hover)}.save-load-actions{display:flex;gap:var(--space-sm);margin-top:var(--space-sm)}.action-btn{flex:1;display:flex;align-items:center;justify-content:center;gap:.5rem;padding:.625rem 1rem;font-size:.875rem;font-weight:500;border-radius:var(--radius);cursor:pointer;transition:all .2s;font-family:inherit;background:var(--bg-section);color:var(--text-primary);border:1px solid var(--border)}.action-btn:hover{background:var(--border);border-color:var(--text-tertiary)}.action-btn:focus{outline:2px solid var(--primary);outline-offset:2px}.action-icon{width:1rem;height:1rem;flex-shrink:0}.action-btn-save .action-icon{color:var(--primary)}.action-btn-load .action-icon{color:var(--text-secondary)}.modal-overlay{position:fixed;inset:0;background:#00000080;display:none;justify-content:center;align-items:center;z-index:2000;padding:var(--space-md)}.modal-overlay.show{display:flex}.modal-content{background:var(--bg-card);border-radius:var(--radius-lg);box-shadow:var(--shadow-md);width:100%;max-width:400px;max-height:80vh;overflow:hidden;display:flex;flex-direction:column}.modal-content h3{padding:var(--space-lg);margin:0;border-bottom:1px solid var(--border);font-size:1.125rem;font-weight:600}.modal-header{display:flex;justify-content:space-between;align-items:center;padding:var(--space-lg);border-bottom:1px solid var(--border)}.modal-header h3{padding:0;margin:0;border-bottom:none}.modal-close-x{background:none;border:none;font-size:1.5rem;line-height:1;cursor:pointer;padding:.25rem .5rem;color:var(--text-secondary);border-radius:var(--radius);transition:background .2s,color .2s}.modal-close-x:hover{background:var(--bg-section);color:var(--text-primary)}.modal-close-x:focus{outline:2px solid var(--primary);outline-offset:2px}.char-count{display:block;text-align:right;font-size:.875rem;color:var(--text-secondary);margin-top:.25rem}.modal-confirm:disabled{opacity:.5;cursor:not-allowed}.modal-overlay[hidden]{display:none}.modal-body{padding:var(--space-lg);overflow-y:auto;flex:1}.modal-body label{display:block;margin-bottom:var(--space-sm)}.modal-body input[type=text]{width:100%;padding:.75rem 1rem;font-size:1rem;border-radius:var(--radius);border:1px solid var(--border);font-family:inherit}.modal-body input[type=text]:focus{outline:none;border-color:var(--primary);box-shadow:0 0 0 3px #2563eb1a}.modal-footer{padding:var(--space-md) var(--space-lg);border-top:1px solid var(--border);display:flex;justify-content:flex-end;gap:var(--space-sm)}.saves-list{min-height:100px}.no-saves{color:var(--text-secondary);text-align:center;padding:var(--space-xl);margin:0}.save-item{display:flex;justify-content:space-between;align-items:center;padding:var(--space-md);border:1px solid var(--border);border-radius:var(--radius);margin-bottom:var(--space-sm);transition:background .2s}.save-item:hover{background:var(--bg-section)}.save-info{display:flex;flex-direction:column;gap:.25rem;overflow:hidden}.save-name{font-weight:500;color:var(--text-primary);white-space:nowrap;overflow:hidden;text-overflow:ellipsis}.save-date{font-size:.75rem;color:var(--text-tertiary)}.save-actions{display:flex;gap:var(--space-xs);flex-shrink:0}.save-actions .btn-load{background:var(--primary);color:#fff;border:none;padding:.375rem .75rem;font-size:.75rem;font-weight:500;border-radius:var(--radius);cursor:pointer;transition:background .2s;font-family:inherit;width:auto}.save-actions .btn-load:hover{background:var(--primary-hover)}.save-actions .btn-delete{background:transparent;color:var(--text-tertiary);border:1px solid var(--border);width:28px;height:28px;padding:0;font-size:1rem;font-weight:400;border-radius:var(--radius);cursor:pointer;transition:all .2s;display:flex;align-items:center;justify-content:center}.save-actions .btn-delete:hover{background:#fef2f2;border-color:#fca5a5;color:#dc2626}.share-toast{position:fixed;bottom:20px;left:50%;transform:translate(-50%) translateY(100px);background:var(--text-primary);color:var(--bg-card);padding:var(--space-sm) var(--space-lg);border-radius:var(--radius);font-size:.875rem;font-weight:500;z-index:3000;opacity:0;transition:transform .3s,opacity .3s}.share-toast.show{transform:translate(-50%) translateY(0);opacity:1}@media(prefers-contrast:high){:root{--border: #000000;--text-secondary: #000000}}@media(prefers-color-scheme:dark){:root{--primary: #ed8936;--primary-hover: #dd6b20;--primary-light: rgba(237, 137, 54, .15);--text-primary: #f9fafb;--text-secondary: #d1d5db;--text-tertiary: #9ca3af;--bg-page: #111827;--bg-card: #1f2937;--bg-input: #374151;--bg-section: #374151;--border: #374151;--border-focus: #ed8936}}.comparison-container{margin-top:var(--space-xl);padding:var(--space-lg);background:var(--bg-section);border-radius:var(--radius-lg);max-width:var(--dc-v2-container-calculator, 1200px);margin-left:auto;margin-right:auto}.comparison-header{display:flex;align-items:center;justify-content:space-between;margin-bottom:var(--space-lg);flex-wrap:wrap;gap:var(--space-md)}.comparison-header h2{margin:0;font-size:1.25rem;font-weight:600;color:var(--text-primary)}.comparison-controls{display:flex;align-items:center;gap:var(--space-md)}.comparison-controls .toggle-label{display:flex;align-items:center;gap:var(--space-xs);font-size:.875rem;color:var(--text-secondary);cursor:pointer}.comparison-controls .toggle-label input[type=checkbox]{width:1rem;height:1rem;accent-color:var(--dc-v2-accent)}#exitComparisonBtn{background:transparent;border:1px solid var(--border);color:var(--text-secondary);padding:var(--space-xs) var(--space-sm);border-radius:var(--radius);font-size:.875rem;cursor:pointer;transition:all .2s ease}#exitComparisonBtn:hover{border-color:var(--dc-v2-accent);color:var(--dc-v2-accent)}.comparison-grid{display:grid;gap:var(--space-lg);grid-template-columns:1fr;max-width:1200px;margin:0 auto}@media(min-width:768px){.comparison-grid{grid-template-columns:repeat(2,1fr)}}@media(min-width:992px){.comparison-grid{grid-template-columns:repeat(3,1fr)}.comparison-grid--1{grid-template-columns:1fr;max-width:400px}.comparison-grid--2{grid-template-columns:repeat(2,1fr);max-width:800px}.comparison-grid--3{grid-template-columns:repeat(3,1fr)}}.scenario-card{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius-lg);padding:var(--space-lg);display:flex;flex-direction:column;gap:var(--space-md);transition:box-shadow .2s ease,border-color .2s ease}.scenario-card:hover{box-shadow:var(--shadow-md)}.scenario-card--base{border-color:var(--dc-v2-accent);border-width:2px}.scenario-card--add{border:2px dashed var(--border);background:transparent;cursor:pointer;min-height:200px;display:flex;align-items:center;justify-content:center;transition:all .2s ease}.scenario-card--add:hover,.scenario-card--add:focus{border-color:var(--dc-v2-accent);background:var(--dc-v2-copper-tint)}.add-scenario-content{display:flex;flex-direction:column;align-items:center;gap:var(--space-xs);text-align:center}.add-icon{font-size:2rem;color:var(--dc-v2-accent);font-weight:300;line-height:1}.add-text{font-size:1rem;font-weight:600;color:var(--text-primary)}.add-hint{font-size:.75rem;color:var(--text-tertiary)}.scenario-card--max-reached{border:2px solid var(--border);background:var(--bg-muted, #f8f9fa);min-height:200px;display:flex;align-items:center;justify-content:center}.max-scenarios-content{display:flex;flex-direction:column;align-items:center;gap:var(--space-xs);text-align:center}.max-icon{font-size:1.5rem;color:var(--text-tertiary);font-weight:600;line-height:1}.max-text{font-size:.875rem;font-weight:600;color:var(--text-secondary)}.max-hint{font-size:.75rem;color:var(--text-tertiary)}.scenario-header{display:flex;align-items:center;justify-content:space-between;gap:var(--space-sm)}.scenario-name{flex:1;font-size:1rem;font-weight:600;color:var(--text-primary);background:transparent;border:1px solid transparent;border-radius:var(--radius);padding:var(--space-xs);margin:calc(-1 * var(--space-xs));transition:border-color .2s ease,background .2s ease}.scenario-name:hover{border-color:var(--border);background:var(--bg-input)}.scenario-name:focus{outline:none;border-color:var(--border-focus);background:var(--bg-input)}.scenario-badge{font-size:.625rem;font-weight:600;text-transform:uppercase;letter-spacing:.05em;padding:.125rem .375rem;border-radius:.25rem;white-space:nowrap}.scenario-badge--base{color:var(--dc-v2-accent);background:var(--dc-v2-copper-tint)}.scenario-inputs{display:flex;flex-direction:column;gap:var(--space-sm)}.scenario-inputs .input-group{display:flex;flex-direction:column;gap:.25rem}.scenario-inputs label{font-size:.75rem;font-weight:500;color:var(--text-secondary)}.scenario-input{width:100%;padding:var(--space-xs) var(--space-sm);font-size:.875rem;border:1px solid var(--border);border-radius:var(--radius);background:var(--bg-input);color:var(--text-primary);transition:border-color .2s ease}.scenario-input:focus{outline:none;border-color:var(--border-focus)}.scenario-results{display:flex;flex-direction:column;gap:var(--space-xs);padding-top:var(--space-md);border-top:1px solid var(--border)}.result-row{display:flex;align-items:center;justify-content:space-between;gap:var(--space-sm)}.result-label{font-size:.75rem;color:var(--text-secondary)}.result-value{font-size:.875rem;font-weight:600;color:var(--text-primary);display:flex;align-items:center;gap:var(--space-xs)}.result-indicator{font-size:.625rem;font-weight:600;text-transform:uppercase;letter-spacing:.05em;padding:.125rem .375rem;border-radius:.25rem;white-space:nowrap}.result-indicator--best{color:#166534;background:#dcfce7}.result-indicator--best:before{content:"\2713";margin-right:.25rem}.result-indicator--worst{color:#991b1b;background:#fee2e2}.difference-highlight{font-size:.75rem;font-weight:500;padding:.125rem .375rem;border-radius:.25rem;white-space:nowrap}.difference-highlight--positive{color:#166534;background:#dcfce7}.difference-highlight--negative{color:#991b1b;background:#fee2e2}.difference-highlight--neutral{color:#4b5563;background:#f3f4f6}.comparison-grid[data-highlight=false] .difference-highlight{display:none!important}.scenario-actions{display:flex;gap:var(--space-xs);padding-top:var(--space-sm);border-top:1px solid var(--border);margin-top:auto}.btn-icon{flex:1;display:flex;align-items:center;justify-content:center;gap:.25rem;padding:var(--space-xs);font-size:.75rem;font-weight:500;color:var(--text-secondary);background:transparent;border:1px solid var(--border);border-radius:var(--radius);cursor:pointer;transition:all .2s ease}.btn-icon:hover{color:var(--dc-v2-accent);border-color:var(--dc-v2-accent);background:var(--dc-v2-copper-tint)}.btn-icon--danger:hover{color:#991b1b;border-color:#991b1b;background:#fee2e2}.comparison-summary{margin-top:var(--space-lg);padding:var(--space-lg);background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius-lg)}.summary-insights{display:flex;flex-direction:column;gap:var(--space-sm)}.insight{font-size:.875rem;color:var(--text-secondary);margin:0;padding:var(--space-xs) 0;line-height:1.5}.insight--primary{font-size:1rem;color:var(--text-primary)}.insight strong{color:var(--text-primary)}.action-btn-compare{display:inline-flex;align-items:center;gap:var(--space-xs);padding:var(--space-xs) var(--space-md);font-size:.875rem;font-weight:500;color:var(--dc-v2-accent);background:var(--dc-v2-copper-tint);border:1px solid var(--dc-v2-accent);border-radius:var(--radius);cursor:pointer;transition:all .2s ease}.action-btn-compare:hover{background:var(--dc-v2-accent);color:#fff}.action-btn-compare .action-icon{width:1rem;height:1rem;fill:currentColor}.action-btn-export{display:inline-flex;align-items:center;gap:var(--space-xs);padding:var(--space-xs) var(--space-md);font-size:.875rem;font-weight:500;border:2px solid var(--accent);border-radius:var(--radius-md);background:transparent;color:var(--accent);cursor:pointer;transition:all var(--transition-fast)}.action-btn-export:hover{background:var(--accent);color:#fff}.action-btn-export:disabled{opacity:.6;cursor:not-allowed}.action-btn-export .action-icon{width:1rem;height:1rem;stroke:currentColor;fill:none}.action-btn-export .spinner{animation:spin 1s linear infinite}@keyframes spin{0%{transform:rotate(0)}to{transform:rotate(360deg)}}.swipe-indicator{display:none;justify-content:center;align-items:center;gap:var(--space-sm);padding:var(--space-md) 0;margin-bottom:var(--space-md)}.swipe-dot{width:10px;height:10px;border-radius:50%;border:none;background:var(--border);cursor:pointer;padding:0;transition:all var(--transition-fast)}.swipe-dot:hover{background:var(--text-secondary)}.swipe-dot.active{background:var(--dc-v2-accent);transform:scale(1.2)}.swipe-dot:focus{outline:2px solid var(--dc-v2-accent);outline-offset:2px}.swipe-counter{font-size:.75rem;color:var(--text-secondary);margin-left:var(--space-sm)}.swipe-mode .swipe-container{display:flex;transition:transform .3s ease-out;will-change:transform}.swipe-mode .scenario-card{flex:0 0 100%;min-width:100%}.swipe-mode .scenario-card--add{display:none}@media(max-width:767px){.swipe-indicator{display:flex}.swipe-mode .comparison-grid{display:flex;overflow:hidden;margin:0 calc(-1 * var(--space-md));padding:0 var(--space-md)}.comparison-header{flex-direction:column;align-items:flex-start}.comparison-controls{width:100%;justify-content:space-between}.scenario-card{padding:var(--space-md)}.scenario-actions{flex-wrap:wrap}.btn-icon{flex:1 1 calc(50% - var(--space-xs) / 2)}.swipe-hint{text-align:center;font-size:.75rem;color:var(--text-secondary);margin-top:var(--space-sm)}}@media(max-width:767px){.tooltip-trigger{min-width:44px;min-height:44px;padding:10px;margin:-10px}.action-btn,.btn-icon,.btn-secondary,.btn-text{min-height:44px;min-width:44px;padding:.625rem 1rem}.amortization-toggle,.advanced-toggle,.toggle-btn,#yearlyToggle,#scenarioToggle{min-height:48px;padding:.75rem 1rem}.info-card a,.authority-citations a,.content-citations a{padding:.5rem 0;display:inline-block;min-height:44px;line-height:1.4}}@media(max-width:767px){.comparison-grid:not(.swipe-mode .comparison-grid){display:flex;flex-wrap:nowrap;overflow-x:auto;overflow-y:hidden;scroll-snap-type:x mandatory;-webkit-overflow-scrolling:touch;scroll-behavior:smooth;gap:var(--space-md);padding-bottom:var(--space-md);margin-left:calc(-1 * var(--space-md));margin-right:calc(-1 * var(--space-md));padding-left:var(--space-md);padding-right:var(--space-md)}.comparison-grid:not(.swipe-mode .comparison-grid)>.scenario-card{flex:0 0 85%;min-width:280px;max-width:320px;scroll-snap-align:start;scroll-snap-stop:always}.comparison-grid:not(.swipe-mode .comparison-grid){scrollbar-width:none;-ms-overflow-style:none}.comparison-grid:not(.swipe-mode .comparison-grid)::-webkit-scrollbar{display:none}.comparison-container:after{content:"";position:absolute;right:0;top:0;bottom:0;width:40px;background:linear-gradient(to right,transparent,var(--bg-card) 80%);pointer-events:none;opacity:.8}.comparison-container{position:relative}}@media(max-width:480px){.summary{display:flex;flex-direction:column;gap:var(--space-md)}.summary-card{width:100%}.breakdown-grid{display:grid;grid-template-columns:1fr;gap:var(--space-sm)}.breakdown-item{display:flex;justify-content:space-between;align-items:center;padding:var(--space-sm) 0;border-bottom:1px solid var(--border)}.breakdown-item:last-child{border-bottom:none}.detail-grid{display:grid;grid-template-columns:1fr;gap:var(--space-sm)}.result-card,.result-card.primary-card{width:100%}.info-grid{display:grid;grid-template-columns:1fr;gap:var(--space-md)}.what-if-grid{grid-template-columns:1fr}}@media(max-width:767px){.chart-container,.chart-section{max-width:100vw;overflow-x:hidden}.chart-container canvas{max-width:calc(100vw - 2 * var(--space-md, 1rem))!important;height:auto!important}.chart-section canvas,.results canvas,[class*=chart] canvas:not(.chart-data-table canvas){max-width:100%;width:100%!important}.chart-title{font-size:1rem;word-break:break-word}}@media(max-width:375px){.chart-container{margin-left:calc(-.5 * var(--space-md, 1rem));margin-right:calc(-.5 * var(--space-md, 1rem));width:calc(100% + var(--space-md, 1rem))}.chart-container canvas{max-width:calc(100vw - var(--space-md, 1rem))!important}}.compare-charts-btn{display:inline-flex;align-items:center;gap:var(--space-xs);padding:var(--space-sm) var(--space-md);font-size:.875rem;font-weight:500;border:2px solid var(--primary);border-radius:var(--radius-md);background:transparent;color:var(--primary);cursor:pointer;transition:all var(--transition-fast)}.compare-charts-btn:hover{background:var(--primary);color:#fff}.compare-charts-btn:disabled{opacity:.5;cursor:not-allowed}.chart-modal{position:fixed;inset:0;z-index:1000;display:flex;align-items:center;justify-content:center;opacity:0;visibility:hidden;transition:opacity .2s ease-out,visibility .2s}.chart-modal.open{opacity:1;visibility:visible}.chart-modal-backdrop{position:absolute;inset:0;background:#00000080;backdrop-filter:blur(4px)}.chart-modal-content{position:relative;width:90%;max-width:900px;max-height:90vh;background:#fff;border-radius:var(--radius-lg);box-shadow:0 20px 40px #0003;overflow:hidden;display:flex;flex-direction:column;transform:translateY(20px);transition:transform .2s ease-out}.chart-modal.open .chart-modal-content{transform:translateY(0)}.chart-modal-header{display:flex;align-items:center;justify-content:space-between;padding:var(--space-md) var(--space-lg);border-bottom:1px solid var(--border)}.chart-modal-header h2{margin:0;font-size:1.25rem;font-weight:600}.chart-modal-close{display:flex;align-items:center;justify-content:center;width:36px;height:36px;border:none;border-radius:var(--radius-md);background:transparent;font-size:1.5rem;color:var(--text-secondary);cursor:pointer;transition:all var(--transition-fast)}.chart-modal-close:hover{background:var(--surface-hover);color:var(--text-primary)}.chart-modal-close:focus{outline:2px solid var(--primary);outline-offset:2px}.chart-tabs{display:flex;gap:var(--space-xs);padding:var(--space-md) var(--space-lg);border-bottom:1px solid var(--border);background:var(--surface)}.chart-tab{padding:var(--space-sm) var(--space-md);border:none;border-radius:var(--radius-md);background:transparent;font-size:.875rem;font-weight:500;color:var(--text-secondary);cursor:pointer;transition:all var(--transition-fast)}.chart-tab:hover{background:var(--surface-hover);color:var(--text-primary)}.chart-tab.active{background:var(--primary);color:#fff}.chart-tab:focus{outline:2px solid var(--primary);outline-offset:2px}.chart-modal .chart-container{flex:1;padding:var(--space-lg);min-height:300px}.chart-modal .chart-container canvas{max-height:400px}.chart-legend{display:flex;flex-wrap:wrap;justify-content:center;gap:var(--space-md);padding:var(--space-md) var(--space-lg);border-top:1px solid var(--border);background:var(--surface)}.legend-item{display:flex;align-items:center;gap:var(--space-xs)}.legend-color{width:16px;height:4px;border-radius:2px}.legend-label{font-size:.875rem;color:var(--text-secondary)}@media(max-width:767px){.chart-modal-content{width:95%;max-height:85vh}.chart-modal-header{padding:var(--space-sm) var(--space-md)}.chart-tabs{padding:var(--space-sm) var(--space-md);overflow-x:auto}.chart-tab{white-space:nowrap;padding:var(--space-xs) var(--space-sm);font-size:.75rem}.chart-modal .chart-container{padding:var(--space-md);min-height:250px}.chart-legend{padding:var(--space-sm) var(--space-md);gap:var(--space-sm)}}.tooltip{position:fixed;z-index:10000;background:var(--text-primary);color:#fff;padding:var(--space-xs) var(--space-sm);border-radius:var(--radius);font-size:.875rem;line-height:1.4;max-width:250px;word-wrap:break-word;pointer-events:none;opacity:0;transform:scale(.9);transition:opacity .15s ease,transform .15s ease;box-shadow:0 4px 6px -1px #0003,0 2px 4px -1px #0000001a}.tooltip--visible{opacity:1;transform:scale(1)}.tooltip:before{content:"";position:absolute;width:0;height:0;border-style:solid}.tooltip--top:before{bottom:-6px;left:50%;transform:translate(-50%);border-width:6px 6px 0 6px;border-color:var(--text-primary) transparent transparent transparent}.tooltip--bottom:before{top:-6px;left:50%;transform:translate(-50%);border-width:0 6px 6px 6px;border-color:transparent transparent var(--text-primary) transparent}.tooltip--left:before{right:-6px;top:50%;transform:translateY(-50%);border-width:6px 0 6px 6px;border-color:transparent transparent transparent var(--text-primary)}.tooltip--right:before{left:-6px;top:50%;transform:translateY(-50%);border-width:6px 6px 6px 0;border-color:transparent var(--text-primary) transparent transparent}@media(prefers-reduced-motion:reduce){.tooltip{transition:none}}@media(max-width:767px){.tooltip{font-size:.9375rem;padding:var(--space-sm) var(--space-md);max-width:calc(100vw - 32px)}}.tooltip-trigger{display:inline-flex;align-items:center;justify-content:center;width:18px;height:18px;margin-left:6px;padding:0;border:1px solid var(--border-color, #d1d5db);border-radius:50%;background:var(--card-bg, #f9fafb);color:var(--text-secondary, #6b7280);font-size:12px;font-weight:600;line-height:1;cursor:pointer;transition:background-color .15s ease,border-color .15s ease,color .15s ease;vertical-align:middle}.tooltip-trigger:hover{background:var(--primary, #3b82f6);border-color:var(--primary, #3b82f6);color:#fff}.tooltip-trigger:focus-visible{outline:2px solid var(--primary, #3b82f6);outline-offset:2px;background:var(--primary, #3b82f6);border-color:var(--primary, #3b82f6);color:#fff}@media(max-width:767px){.tooltip-trigger{width:32px;height:32px;font-size:15px;background:#3b82f614;border-color:var(--primary, #3b82f6);transition:transform .1s ease,background-color .1s ease,border-color .1s ease}.tooltip-trigger:active{transform:scale(.95);background:#3b82f633}}.tooltip-content{display:none;position:absolute;z-index:1000;max-width:320px;padding:var(--space-md, 12px) var(--space-lg, 16px);background:var(--text-primary, #1f2937);color:#fff;font-size:.875rem;line-height:1.5;border-radius:var(--radius, 8px);box-shadow:0 4px 12px #00000026;margin-top:var(--space-sm, 8px)}.tooltip-content strong{display:block;margin-bottom:var(--space-xs, 4px);font-weight:600;color:#fff}.tooltip-trigger:focus+input+.tooltip-content,.tooltip-trigger:hover+input+.tooltip-content,.tooltip-trigger:focus~.tooltip-content,.tooltip-trigger:hover~.tooltip-content,.input-group:focus-within .tooltip-content{display:block}.input-group{position:relative}@media(max-width:767px){.tooltip-content{max-width:calc(100vw - 48px);font-size:.9375rem}}[data-theme=dark] .tooltip{background:#1e293b;color:#f1f5f9}[data-theme=dark] .tooltip--top:before{border-color:#1e293b transparent transparent transparent}[data-theme=dark] .tooltip--bottom:before{border-color:transparent transparent #1e293b transparent}[data-theme=dark] .tooltip--left:before{border-color:transparent transparent transparent #1e293b}[data-theme=dark] .tooltip--right:before{border-color:transparent #1e293b transparent transparent}[data-theme=dark] .tooltip-content{background:#1e293b;color:#f1f5f9}[data-theme=dark] .tooltip-content strong{color:#f1f5f9}[data-theme=dark] .tooltip-trigger{background:#94a3b81a;border-color:var(--border, #475569);color:var(--text-secondary, #94a3b8)}.content-section.educational-content{margin:2.5rem 0;padding:2rem;background:linear-gradient(135deg,#f8fafc,#f1f5f9);border-radius:12px;border-left:4px solid #2563eb}.content-section.educational-content h2{color:#1e3a5f;font-size:1.5rem;margin-bottom:1.5rem;padding-bottom:.75rem;border-bottom:2px solid #e2e8f0}.content-section.educational-content h3{color:#334155;font-size:1.25rem;margin:1.5rem 0 1rem}.content-section.educational-content p{color:#475569;line-height:1.7;margin-bottom:1rem}.benchmark-table{width:100%;border-collapse:collapse;margin:1.5rem 0;font-size:.9375rem}.benchmark-table th{background:#1e3a5f;color:#fff;padding:.75rem 1rem;text-align:left;font-weight:600}.benchmark-table td{padding:.75rem 1rem;border-bottom:1px solid #e2e8f0}.benchmark-table tr:nth-child(2n){background:#f8fafc}.benchmark-table tr:hover{background:#e0f2fe}.callout-info{background:#dbeafe;border-left:4px solid #3b82f6;padding:1rem 1.25rem;margin:1.5rem 0;border-radius:0 8px 8px 0}.callout-warning{background:#fef3c7;border-left:4px solid #f59e0b;padding:1rem 1.25rem;margin:1.5rem 0;border-radius:0 8px 8px 0}.callout-success{background:#dcfce7;border-left:4px solid #22c55e;padding:1rem 1.25rem;margin:1.5rem 0;border-radius:0 8px 8px 0}.callout-icon{margin-right:.35rem;font-style:normal}.content-citations{margin-top:1.5rem;padding-top:1rem;border-top:1px solid #e2e8f0;font-size:.875rem;color:var(--dc-v2-text-tertiary, #5f6d82)}.content-citations a{color:#2563eb;text-decoration:none}.content-citations a:hover{text-decoration:underline}@media(max-width:640px){.content-section.educational-content{padding:1.25rem;margin:1.5rem 0}.benchmark-table{font-size:.875rem;display:block;overflow-x:auto;-webkit-overflow-scrolling:touch}.benchmark-table th,.benchmark-table td{padding:.5rem .75rem;white-space:nowrap}}.table-scroll-wrapper{position:relative;overflow:hidden}.table-scroll-wrapper:after{content:"";position:absolute;top:0;right:0;bottom:0;width:30px;background:linear-gradient(to right,transparent,rgba(0,0,0,.05));pointer-events:none;opacity:0;transition:opacity .2s}.table-scroll-wrapper.has-overflow:after{opacity:1}.authority-citations{margin:2rem 0;padding:1.25rem 1.5rem;background:var(--card-bg, #f9fafb);border:1px solid var(--border-color, #e5e7eb);border-radius:var(--radius, 8px);border-left:4px solid var(--primary, #3b82f6)}.authority-citations h4{margin:0 0 .75rem;font-size:.9375rem;font-weight:600;color:var(--text-primary, #1f2937)}.authority-citations ul{margin:0;padding:0;list-style:none}.authority-citations li{margin-bottom:.5rem;padding-left:1.25rem;position:relative;font-size:.875rem;line-height:1.5}.authority-citations li:last-child{margin-bottom:0}.authority-citations li:before{content:"";position:absolute;left:0;top:.5em;width:6px;height:6px;background:var(--primary, #3b82f6);border-radius:50%}.authority-citations a{color:var(--primary, #3b82f6);text-decoration:none;transition:color .15s ease}.authority-citations a:hover{color:var(--primary-dark, #2563eb);text-decoration:underline}.authority-citations a:focus-visible{outline:2px solid var(--primary, #3b82f6);outline-offset:2px;border-radius:2px}.last-updated{margin-top:2rem;padding-top:1rem;border-top:1px solid #e5e7eb;font-size:.875rem;color:#6b7280;text-align:center}.calculator-freshness{margin-top:2rem;padding-top:1rem;border-top:1px solid var(--border-color, #e5e7eb);font-size:.875rem;color:var(--text-secondary, #6b7280)}.calculator-freshness .last-reviewed{margin:0}.calculator-freshness .last-reviewed time{font-weight:500}[data-theme=dark] input,[data-theme=dark] select,[data-theme=dark] textarea{color:var(--text-primary)}[data-theme=dark] input::placeholder,[data-theme=dark] textarea::placeholder{color:#94a3b8}[data-theme=dark] .helper-text,[data-theme=dark] .form-help,[data-theme=dark] .required-note,[data-theme=dark] .input-hint,[data-theme=dark] .field-description{color:#cbd5e1}[data-theme=dark] .quick-answer{background:var(--bg-card);border:1px solid var(--border);border-left:4px solid var(--primary)}[data-theme=dark] .quick-answer h2{color:var(--text-primary);font-weight:600}[data-theme=dark] .quick-answer p{color:var(--text-secondary)}[data-theme=dark] .answer-capsule{background:linear-gradient(135deg,var(--primary-light) 0%,var(--bg-card) 100%);border:1px solid var(--border);border-left:4px solid var(--primary)}[data-theme=dark] .answer-capsule p{color:var(--text-primary)}[data-theme=dark] .answer-capsule strong{color:var(--primary-hover)}.tooltip-trigger{min-width:44px;min-height:44px;display:inline-flex;align-items:center;justify-content:center}@media(min-width:768px){.tooltip-trigger{min-width:32px;min-height:32px;padding:7px}}[data-theme=dark] .content-section a,[data-theme=dark] .educational-content a,[data-theme=dark] .content-section.educational-content a,[data-theme=dark] article a,[data-theme=dark] .article-content a,[data-theme=dark] .calculator-description a{text-decoration:underline;text-underline-offset:2px;text-decoration-color:var(--primary)}[data-theme=dark] .content-section a:hover,[data-theme=dark] .educational-content a:hover,[data-theme=dark] article a:hover{text-decoration-color:var(--primary-hover)}[data-theme=dark] nav a,[data-theme=dark] .nav-links a,[data-theme=dark] .btn,[data-theme=dark] .btn-primary,[data-theme=dark] .btn-secondary,[data-theme=dark] .btn-cta,[data-theme=dark] .calculator-card,[data-theme=dark] .related-card,[data-theme=dark] .category-card{text-decoration:none}[data-theme=dark] .calculator,[data-theme=dark] .summary-card,[data-theme=dark] .metric-card,[data-theme=dark] .result-card,[data-theme=dark] .scenario-card{border:1px solid #475569}[data-theme=dark] .theme-toggle svg,.theme-toggle svg{width:20px;height:20px}@media(max-width:767px){[data-theme=dark] .nav-container nav,.nav-container nav{gap:var(--space-sm)}[data-theme=dark] .theme-toggle,.theme-toggle{margin-left:var(--space-xs)}}[data-theme=dark] .answer-capsule-label{background:var(--primary);color:#fff}[data-theme=dark] .content-section.educational-content{background:linear-gradient(135deg,var(--bg-card) 0%,var(--bg-section) 100%);border-left-color:var(--primary)}[data-theme=dark] .content-section.educational-content h2{color:var(--text-primary);border-bottom-color:var(--border)}[data-theme=dark] .content-section.educational-content h3{color:var(--text-primary)}[data-theme=dark] .content-section.educational-content p{color:var(--text-secondary)}[data-theme=dark] .benchmark-table th{background:#1e40af;color:#f9fafb;border-bottom:1px solid var(--border)}[data-theme=dark] .benchmark-table td{background:var(--bg-card);color:var(--text-primary);border-color:var(--border);border-bottom:1px solid var(--border)}[data-theme=dark] .benchmark-table tr:nth-child(2n) td{background:var(--bg-section)}[data-theme=dark] .results-disclaimer{background:var(--bg-section);border-left-color:var(--border);color:var(--text-secondary)}[data-theme=dark] .results-disclaimer strong{color:var(--text-primary)}.disclaimer-warning{background:#fef3c7;border:2px solid #f59e0b;padding:1rem 1.25rem;border-radius:8px;margin-bottom:1.5rem}.disclaimer-heading{margin:0 0 .5rem;color:#92400e;font-size:1rem;display:flex;align-items:center;gap:.5rem}.disclaimer-text{margin:0 0 .5rem;font-size:.9375rem;color:#78350f}.disclaimer-text:last-child{margin-bottom:0}.info-banner{padding:.75rem 1rem;margin-top:.5rem;font-size:.875rem}.info-banner-note{background:#f0f9ff;border-left:3px solid #2563eb}.info-banner-fica{background:#f5f3ff;border-left:3px solid #7c3aed;font-size:.8125rem}.info-banner-list{margin:.5rem 0 0 1rem;padding:0}.tax-year-badge{background:#ecfdf5;border:1px solid #10b981;border-radius:6px;padding:.75rem 1rem;margin-bottom:1rem;text-align:center}.tax-year-badge-meta{color:#047857}.tax-year-badge-link{color:#059669;text-decoration:underline}.disclaimer-warning-sm{background:#fef3c7;border:1px solid #f59e0b;border-radius:6px;padding:1rem;margin-top:1.5rem;font-size:.875rem}.info-card-resources{background:#f0f9ff;border-left:4px solid #2563eb;padding:1.5rem}[data-theme=dark] .disclaimer-warning{background:#422006;border-color:#f59e0b}[data-theme=dark] .disclaimer-heading{color:#fcd34d}[data-theme=dark] .disclaimer-text{color:#fef3c7}[data-theme=dark] .info-banner-note{background:#1e3a8a;border-left-color:#3b82f6;color:#bfdbfe}[data-theme=dark] .info-banner-fica{background:#2e1065;border-left-color:#a78bfa;color:#ddd6fe}[data-theme=dark] .tax-year-badge{background:#064e3b;border-color:#10b981;color:#6ee7b7}[data-theme=dark] .tax-year-badge-meta{color:#a7f3d0}[data-theme=dark] .tax-year-badge-link{color:#34d399}[data-theme=dark] .disclaimer-warning-sm{background:#422006;border-color:#f59e0b;color:#fef3c7}[data-theme=dark] .info-card-resources{background:#1e3a8a;border-left-color:#3b82f6}[data-theme=dark] .callout-info{background:var(--info-bg);border-left-color:var(--info);color:#bfdbfe}[data-theme=dark] .callout-warning{background:var(--warning-bg);border-left-color:var(--warning);color:#fef3c7}[data-theme=dark] .callout-success{background:var(--success-bg);border-left-color:var(--success);color:#bbf7d0}[data-theme=dark] .callout-info strong,[data-theme=dark] .callout-warning strong,[data-theme=dark] .callout-success strong{color:#fff;font-weight:600}[data-theme=dark] .benchmark-table tr:hover td{background:var(--bg-hover)}[data-theme=dark] .content-citations{border-top-color:var(--border);color:var(--text-secondary)}[data-theme=dark] .content-citations a{color:#93c5fd}[data-theme=dark] .content-citations a:hover{color:#bfdbfe}[data-theme=dark] .authority-citations{background:var(--bg-section);border-color:var(--border);border-left-color:var(--primary)}[data-theme=dark] .authority-citations h4,[data-theme=dark] .authority-citations li{color:var(--text-primary)}[data-theme=dark] .authority-citations li:before{background:#60a5fa}[data-theme=dark] .authority-citations a{color:#93c5fd}[data-theme=dark] .authority-citations a:hover{color:#bfdbfe}