:root{
  --bg:#f4f1ea;
  --card:#fff;
  --ink:#142033;
  --muted:#3e4a5c;
  --navy:#16233b;
  --gold:#d4b03a;
  --gold-dk:#6b5410;
  --line:#e4ddd0;
  --gain:#166844;
  --loss:#9f1d16;
  --r:16px;
  --shadow:0 8px 28px rgba(20,32,51,.07);
  --focus:#8a6d12;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
body{margin:0;font:16px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--ink);background:var(--bg)}
a{color:#1a4f80}
a:hover{text-decoration-thickness:2px}
img{max-width:100%;height:auto}
.wrap{max-width:1080px;margin:0 auto;padding:0 18px}
.skip{position:absolute;left:-999px;top:8px;background:#fff;color:var(--ink);padding:8px 14px;border-radius:8px;z-index:100;font-weight:700}
.skip:focus{left:8px}
:focus-visible{outline:3px solid var(--focus);outline-offset:2px}
header.site{background:var(--navy);color:#fff;position:sticky;top:0;z-index:20}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;min-height:68px;gap:12px}
.logo{font-weight:800;font-size:1.02rem;line-height:1.2;text-decoration:none;color:#fff;max-width:14rem}
.logo em{font-style:normal;color:#e8c547}
.nav-toggle{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.nav-btn{display:none;background:transparent;color:#fff;border:1px solid #6b7a94;border-radius:8px;padding:8px 12px;font:inherit;font-weight:700;cursor:pointer}
.nav-btn:hover{border-color:#fff}
header.site nav{display:flex;flex-wrap:wrap;justify-content:flex-end;gap:4px 2px}
header.site nav a{color:#e8edf4;text-decoration:none;margin-left:10px;font-size:.92rem;white-space:nowrap;padding:8px 6px;min-height:44px;display:inline-flex;align-items:center}
header.site nav a:hover,header.site nav a[aria-current="page"]{color:#fff;text-decoration:underline;text-underline-offset:4px}
@media(max-width:760px){
  .nav-btn{display:inline-flex;align-items:center;min-height:44px}
  header.site nav{display:none;flex-direction:column;align-items:stretch;position:absolute;left:0;right:0;top:68px;background:var(--navy);padding:8px 18px 16px;border-top:1px solid #2a3b58;box-shadow:var(--shadow)}
  header.site nav a{margin:0;padding:12px 4px}
  #nav-toggle:checked ~ nav, #nav-toggle:focus-visible ~ nav{display:flex}
  #nav-toggle:checked + .nav-btn{border-color:#e8c547}
}
.hero{padding:36px 0 8px}
.hero h1{font-size:clamp(1.75rem,5vw,2.6rem);line-height:1.15;margin:0 0 .4em;letter-spacing:-.02em}
.hero p{color:var(--muted);max-width:42rem;margin:0}
.calc{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:20px;margin:20px 0;box-shadow:var(--shadow)}
.row{display:grid;grid-template-columns:1fr;gap:12px}
@media(min-width:640px){.row-2{grid-template-columns:1fr 1fr}.row-3{grid-template-columns:1fr 1fr 1fr}}
label{display:block;font-weight:650;font-size:.9rem;margin-bottom:4px}
.hint{display:block;font-weight:400;color:var(--muted);font-size:.85rem}
input,select,textarea,button{font:inherit}
input,select{width:100%;padding:11px 12px;font-size:16px;border:1px solid #8a8273;border-radius:10px;background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus{outline:3px solid var(--focus);border-color:transparent}
.checks{display:flex;align-items:flex-start;gap:8px;margin-top:8px;color:var(--muted);font-size:.95rem}
.checks input{width:1.15rem;height:1.15rem;margin-top:.15rem;flex:none}
button.primary{background:var(--navy);color:#fff;border:0;border-radius:10px;padding:12px 22px;font-size:1rem;font-weight:700;cursor:pointer;margin-top:14px;width:100%;min-height:44px}
@media(min-width:600px){button.primary{width:auto}}
button.primary:hover{background:#0f1a2d}
button.primary:disabled{opacity:.55;cursor:not-allowed}
.result{margin-top:18px;padding:0;border-radius:12px;overflow:hidden}
.result:empty{display:none}
.result-hero{background:linear-gradient(180deg,#18253f,#101a2d);color:#fff;padding:22px 20px}
.result-hero .kicker{color:#e8d39a;font-size:.82rem;letter-spacing:.08em;text-transform:uppercase;font-weight:700}
.result-hero .big{font-size:clamp(2rem,7vw,3.1rem);font-weight:800;letter-spacing:-.03em;line-height:1.05;margin:.15em 0}
.result-hero .sub{color:#d5dbe6;font-size:.95rem}
.metrics{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:var(--line);border:1px solid var(--line);border-top:0}
@media(min-width:640px){.metrics{grid-template-columns:repeat(4,1fr)}}
.metric{background:#fff;padding:12px 14px}
.metric .lbl{font-size:.75rem;color:var(--muted);text-transform:uppercase;letter-spacing:.06em;font-weight:700}
.metric .val{font-size:1.15rem;font-weight:750}
.metric .val.gain{color:var(--gain)}.metric .val.loss{color:var(--loss)}
.chart-wrap{background:#fff;border:1px solid var(--line);border-top:0;padding:8px 8px 4px;border-radius:0 0 12px 12px}
.chart-wrap svg{width:100%;height:auto;display:block}
.used-note{font-size:.9rem;color:var(--muted);margin:8px 0 0}
.ad-slot{margin:24px 0;min-height:100px;border:2px dashed #8a8273;border-radius:10px;display:flex;align-items:center;justify-content:center;color:#3e4a5c;font-size:.85rem;letter-spacing:.04em;text-transform:uppercase;background:repeating-linear-gradient(45deg,#faf7f1,#faf7f1 10px,#f3eee4 10px,#f3eee4 20px)}
section{margin:32px 0}
h1{font-size:clamp(1.6rem,4.5vw,2.3rem);line-height:1.2}
h2{font-size:1.3rem;margin:0 0 .5em}
h3{font-size:1.08rem}
.lead{color:var(--muted);margin-top:0;max-width:44rem}
.formula{background:#eef2f0;border-left:4px solid var(--gold);padding:12px 14px;border-radius:6px;font-family:ui-monospace,Menlo,monospace;font-size:.88rem;overflow-x:auto;white-space:pre-wrap}
details{background:#fff;border:1px solid var(--line);border-radius:10px;padding:12px 14px;margin:8px 0}
summary{font-weight:650;cursor:pointer}
.disclaimer{font-size:.9rem;color:var(--muted);background:#fff;border:1px solid var(--line);border-radius:10px;padding:12px 14px}
.disclaimer strong{color:var(--ink)}
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:14px;margin:22px 0}
.tile{display:block;background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:16px 18px;text-decoration:none;color:var(--ink);transition:transform .15s,box-shadow .15s}
.tile:hover,.tile:focus-visible{transform:translateY(-2px);box-shadow:var(--shadow)}
.tile h2,.tile h3{font-size:1.05rem;margin:0 0 .25em}
.tile p{margin:0;color:var(--muted);font-size:.9rem}
.tile .ex{margin-top:.55em;font-weight:700;color:var(--navy);font-size:.92rem}
.crumbs{font-size:.9rem;color:var(--muted);margin-top:16px}
.crumbs a{color:#1a4f80}
.crumbs ol{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:.35rem 0}
.crumbs li{display:inline}
.crumbs li:not(:last-child)::after{content:" › ";color:var(--muted)}
footer{margin-top:48px;padding:28px 0;border-top:1px solid #2a3b58;color:#c5ceda;font-size:.9rem;background:var(--navy)}
footer .wrap>p:first-child{display:flex;flex-wrap:wrap;gap:4px 16px;margin:0 0 14px;align-items:center}
footer a{color:#e8edf4;margin-right:0;min-height:44px;display:inline-flex;align-items:center;padding:0 2px}
footer a:hover{color:#fff}
.source{font-size:.92rem;color:var(--muted)}
table{border-collapse:collapse;width:100%;font-size:.92rem;background:#fff;border-radius:10px;overflow:hidden}
th,td{border-bottom:1px solid var(--line);padding:8px 10px;text-align:left;vertical-align:top}
th{font-size:.78rem;text-transform:uppercase;letter-spacing:.05em;color:var(--muted);background:#faf7f1}
.muted{color:var(--muted)}
.legend{display:flex;flex-wrap:wrap;gap:8px 14px;padding:8px 10px 4px;font-size:.85rem;color:var(--muted)}
.legend-item{display:inline-flex;align-items:center;gap:6px}
.legend-item i{width:12px;height:3px;display:inline-block;border-radius:2px}
.cat-h{margin:28px 0 0;font-size:1.15rem}
.compare-table,.table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch}
.compare-table table,.table-wrap table{min-width:640px}
.compare-table td.num,.compare-table th.num,td.num,th.num{text-align:right;font-variant-numeric:tabular-nums}
.year-links{display:flex;flex-wrap:wrap;gap:8px;margin:12px 0 0}
.year-links a{background:#fff;border:1px solid var(--line);border-radius:999px;padding:8px 12px;text-decoration:none;font-size:.88rem;color:var(--ink);min-height:40px;display:inline-flex;align-items:center}
.year-links a:hover{border-color:var(--gold)}
.related{display:flex;flex-wrap:wrap;gap:8px 16px;margin-top:8px}
.related a{font-size:.92rem;min-height:44px;display:inline-flex;align-items:center}
.form-disabled input,.form-disabled textarea{background:#f3eee4;color:var(--muted)}
.tag{display:inline-block;font-size:.72rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--gold-dk);background:#f3e8c4;border-radius:999px;padding:2px 8px;margin-left:6px}
#opt-wrap{margin-top:8px}
.dl-term{margin:0 0 .2em;font-weight:700}
.dl-def{margin:0 0 1.1em;color:var(--muted)}
.callout{background:#fff;border:1px solid var(--line);border-left:4px solid var(--navy);border-radius:8px;padding:14px 16px;margin:16px 0}
.stat-row{display:grid;grid-template-columns:1fr;gap:12px;margin:16px 0}
@media(min-width:700px){.stat-row{grid-template-columns:repeat(3,1fr)}}
.stat{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px 18px}
.stat .lbl{font-size:.78rem;text-transform:uppercase;letter-spacing:.06em;font-weight:700;color:var(--muted)}
.stat .val{font-size:1.35rem;font-weight:800;margin:.15em 0}
.stat p{margin:0;color:var(--muted);font-size:.9rem}
/* ===== Clutter cleanup (Nov 2026) ===== */
.ad-slot[hidden]{display:none!important}
.hero{padding:24px 0 0}
.hero h1{margin-bottom:.3em}
.calc{margin:16px 0 10px}
#div-wrap[hidden]{display:none}
#opt-wrap{margin-top:4px}
.note{font-size:.82rem;line-height:1.5;color:var(--muted);margin:0 0 24px}
.note a{color:inherit;text-decoration:underline;text-underline-offset:2px}
.lead{margin-bottom:6px}
details.more{margin:28px 0;padding:12px 16px}
details.more>summary{font-size:1rem}
details.more[open]>summary{margin-bottom:10px}
details.more p,details.more ul{font-size:.92rem;color:var(--muted)}
details.more .formula{margin:12px 0}
.grid-sm{grid-template-columns:repeat(auto-fill,minmax(150px,1fr));gap:10px;margin:14px 0 10px}
.tile-sm{padding:12px 14px}
.tile-sm h3{font-size:.9rem;margin:0;font-weight:650;color:var(--muted)}
.tile-sm .ex{font-size:1.3rem;margin:.15em 0 0;font-weight:800;letter-spacing:-.01em}
.tile-sm p{font-size:.82rem}
.see-all{margin:4px 0 10px;font-weight:650}
details.all-assets{background:none;border:0;padding:0;margin:0 0 6px}
details.all-assets>summary{font-weight:500;font-size:.9rem;color:var(--muted)}
details.all-assets p{display:flex;flex-wrap:wrap;gap:4px 14px;font-size:.88rem;margin:8px 0 0}
/* nav: three links + "More" dropdown */
header.site nav .nav-more{position:relative;background:none;border:0;border-radius:0;padding:0;margin:0 0 0 10px;box-shadow:none}
.nav-more>summary{list-style:none;color:var(--header-muted,#e8edf4);font-size:.92rem;font-weight:400;padding:8px 6px;min-height:44px;display:inline-flex;align-items:center;gap:4px;border-radius:8px;cursor:pointer}
.nav-more>summary::-webkit-details-marker{display:none}
.nav-more>summary::after{content:"";width:6px;height:6px;border-right:1.5px solid currentColor;border-bottom:1.5px solid currentColor;transform:rotate(45deg) translateY(-2px);margin-left:4px}
.nav-more>summary:hover,.nav-more[open]>summary{color:var(--header-ink,#fff);background:var(--nav-hover-bg,transparent)}
.nav-more-menu{position:absolute;right:0;top:calc(100% + 6px);min-width:210px;display:flex;flex-direction:column;background:var(--surface,#fff);border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow);padding:6px;z-index:30}
header.site nav .nav-more-menu a{margin:0;color:var(--ink);padding:8px 10px;min-height:40px}
header.site nav .nav-more-menu a:hover{color:var(--ink);background:var(--nav-hover-bg,rgba(0,0,0,.05))}
@media(max-width:760px){
  header.site nav .nav-more{margin:0}
  .nav-more>summary{padding:12px 4px;width:100%}
  .nav-more-menu{position:static;border:0;box-shadow:none;background:none;padding:0 0 0 12px;min-width:0}
  header.site nav .nav-more-menu a{color:var(--header-muted,#e8edf4);padding:12px 4px}
}
/* footer: one row of links + two short lines */
footer{padding:22px 0;margin-top:40px}
footer .foot-links{margin:0 0 8px}
footer .foot-legal{margin:4px 0;font-size:.8rem;line-height:1.5}
footer .foot-legal a{min-height:0;display:inline;padding:0}
/* compare table: fewer columns on phones (Asset, End value, CAGR) */
@media(max-width:640px){
  .compare-table table{min-width:0}
  .compare-table th:nth-child(3),.compare-table td:nth-child(3),
  .compare-table th:nth-child(5),.compare-table td:nth-child(5),
  .compare-table th:nth-child(6),.compare-table td:nth-child(6){display:none}
}