/* Calculator v5: independent styles; no global stylesheet overrides. */
:root{color-scheme:light;--bg:#f5f7fb;--paper:#fff;--ink:#17233c;--muted:#53617a;--line:#dce3ef;--blue:#2854d9;--blue-soft:#eef3ff;--teal:#08766c;--teal-soft:#edf8f5;--radius:20px}
*{box-sizing:border-box}
html{scroll-padding-top:24px;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font:400 16px/1.6 system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;-webkit-font-smoothing:antialiased}
button,input,textarea{font:inherit}
button,a,input,summary{touch-action:manipulation}
button{cursor:pointer}
button:disabled{cursor:not-allowed;opacity:.5}
fieldset{min-width:0;margin:0;padding:0;border:0}
legend{padding:0}
input,textarea{width:100%;min-width:0;color:var(--ink);background:#fff;border:1px solid #b9c5d9;border-radius:10px;padding:11px 13px;min-height:48px;font-variant-numeric:tabular-nums}
input:hover,textarea:hover{border-color:#899ab8}
input:disabled{background:#f5f7fb}
input[aria-invalid="true"]{border-color:#b53030;background:#fff8f8}
input[type="range"]{padding:0;border:0;accent-color:var(--blue);cursor:pointer}
a{color:var(--blue);text-underline-offset:4px}
a:hover{text-decoration-thickness:2px}
a,button,input,textarea,summary,[tabindex]{outline-offset:4px}
:focus-visible{outline:3px solid var(--blue)}
[hidden]{display:none!important}
h1,h2,h3,p{margin:0}
h1,h2,h3{line-height:1.2;letter-spacing:-.035em}
h2{font-size:clamp(1.5rem,2.7vw,2rem)}
h3{font-size:1.15rem}
.wrap{width:min(1160px,calc(100% - 48px));margin-inline:auto}
.sr-only{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.skip-link{position:absolute;top:-100px;left:16px;padding:12px 18px;background:white;z-index:10001;border:2px solid var(--blue);border-radius:8px}
.skip-link:focus{top:12px}
.site-nav{background:var(--paper);border-bottom:1px solid var(--line)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:72px}
.wordmark{color:var(--ink);font-size:1.12rem;font-weight:800;letter-spacing:-.045em;text-decoration:none;white-space:nowrap}
.wordmark span{color:var(--blue)}
.site-nav nav{display:flex;align-items:center;gap:28px}
.site-nav nav a{display:inline-flex;align-items:center;justify-content:center;min-height:44px;font-size:.875rem;font-weight:600;text-decoration:none;color:var(--muted)}
.site-nav nav .nav-app{gap:14px;background:var(--blue);color:white;padding:9px 17px;border-radius:9px}
.intro{padding:24px 0 28px}
.breadcrumbs{display:flex;flex-wrap:wrap;gap:9px;font-size:.75rem;color:var(--muted);margin-bottom:15px}
.breadcrumbs a{color:inherit;text-decoration:none}
.intro-heading{display:flex;align-items:center;gap:20px;flex-wrap:wrap}
h1{font-size:clamp(1.9rem,3.8vw,2.8rem);font-weight:750;letter-spacing:-.05em}
h1>span{white-space:nowrap}
.free-badge{font-size:.75rem;font-weight:650;padding:5px 10px;border:1px solid #cbd8f4;color:#2448a9;background:var(--blue-soft);border-radius:30px;white-space:nowrap}
.lead{max-width:800px;font-size:1rem;line-height:1.7;color:var(--muted);margin-top:12px}
.calculator-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px;align-items:start;scroll-margin-top:20px}
.panel{min-width:0;border:1px solid var(--line);border-radius:var(--radius);padding:26px;background:var(--paper)}
.panel-heading{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-bottom:10px}
.panel-heading h2{font-size:1.16rem;letter-spacing:-.025em}
.muted-small,.form-intro{font-size:.79rem;line-height:1.5;color:var(--muted)}
.form-intro{margin-bottom:22px}
.income-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:16px}
.field label{display:flex;gap:7px;align-items:center;font-size:.84rem;font-weight:650;min-height:22px;margin-bottom:5px;overflow-wrap:anywhere}
.person-dot{display:inline-block;width:8px;height:8px;background:var(--blue);border-radius:50%;flex-shrink:0;margin-right:3px}
.person-two .person-dot{background:var(--teal)}
.field-caption{display:block;font-size:.74rem;line-height:1.55;color:var(--muted);margin:5px 0 8px}
.input-wrap{position:relative}
.input-wrap input{padding-right:40px;font-size:1.03rem;font-weight:600}
.input-wrap>span{position:absolute;inset-block-start:50%;inset-inline-end:13px;transform:translateY(-50%);font-size:.8rem;color:var(--muted);pointer-events:none}
.expense-field{margin-top:18px}
.expense-field>.field-caption{margin-bottom:0}
.field-error{color:#a12a2a;font-size:.75rem;line-height:1.4;margin-top:6px}
.method-picker{margin-top:22px}
.method-picker legend{font-size:.84rem;font-weight:650;margin-bottom:9px}
.method-options{display:grid;grid-template-columns:1.25fr .65fr 1.12fr;gap:5px;border:1px solid var(--line);padding:4px;background:var(--bg);border-radius:11px}
.method-options label{position:relative;min-width:0;cursor:pointer}
.method-options input{position:absolute;width:1px;height:1px;min-height:0;opacity:0;inset:50% auto auto 50%;padding:0}
.method-options span{display:flex;justify-content:center;align-items:center;text-align:center;min-height:42px;padding:5px 7px;border:1px solid transparent;border-radius:7px;font-size:.76rem;line-height:1.3;font-weight:650;color:var(--muted)}
.method-options input:checked+span{color:#2047bf;background:white;border-color:#cad6f5;box-shadow:0 2px 5px #17233c08}
.method-options input:focus-visible+span{outline:3px solid var(--blue);outline-offset:2px}
.method-options input:disabled+span{cursor:not-allowed;opacity:.6}
.method-help{margin-top:9px;min-height:36px;font-size:.75rem;color:var(--muted);line-height:1.5}
.custom-controls{margin-top:14px;padding:14px;background:var(--blue-soft);border:1px solid #d9e3ff;border-radius:11px}
.custom-controls>label{font-size:.8rem;font-weight:600}
.range-row{display:flex;gap:18px;align-items:center;margin-top:5px}
.percent-wrap{width:90px;flex-shrink:0}
.percent-wrap input{text-align:right;padding-right:29px}
.percent-wrap>span{right:10px}
.custom-controls .field-caption{margin:3px 0 0}
.name-options{margin-top:13px;border-bottom:1px solid var(--line);padding-bottom:8px}
.name-options summary{font-size:.78rem;color:var(--muted);padding:9px 0;min-height:40px;cursor:pointer}
.name-options summary span{margin-left:5px;color:var(--muted);font-size:.7rem}
.name-options .income-grid{padding:9px 0 8px}
.name-options input{font-size:16px;font-weight:400}
.name-options label{font-size:.73rem}
.presets{margin-top:13px}
.presets>.muted-small{font-size:.72rem}
.preset-buttons{display:flex;gap:6px;flex-wrap:wrap;margin-top:6px}
.preset-buttons button{min-height:38px;border:1px solid var(--line);border-radius:7px;background:#fff;color:var(--muted);font-size:.7rem;padding:5px 9px}
.preset-buttons button:hover{background:var(--blue-soft);color:var(--blue);border-color:#b9c9ed}
.result-panel{border-color:#c7d5f3;box-shadow:0 12px 36px #203c7007}
.live-badge{display:inline-flex;align-items:center;gap:5px;background:#eff5ef;color:#396038;border:1px solid #dce8d9;border-radius:20px;font-size:.68rem;font-weight:650;padding:3px 8px;white-space:nowrap}
.live-badge::before{content:"";width:5px;height:5px;border-radius:50%;background:currentColor}
.result-intro{margin:18px 0}
.result-intro>p:first-child{font-size:1.38rem;line-height:1.25;font-weight:700;letter-spacing:-.035em;margin-bottom:5px}
.result-intro>p:last-child{font-size:.8rem;color:var(--muted)}
.result-intro strong{font-weight:650;color:var(--ink);font-variant-numeric:tabular-nums}
.notice{border:1px solid #e0c995;background:#fff8e9;color:#704c13;padding:12px 14px;border-radius:10px;font-size:.8rem;line-height:1.55;margin-bottom:18px}
.amount-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:12px}
.amount-card{padding:17px 16px 15px;border-radius:13px;background:var(--blue-soft);border:1px solid #d9e4ff;min-width:0}
.amount-card.person-two{background:var(--teal-soft);border-color:#d5ebe3}
.amount-name{font-size:.78rem;font-weight:600;display:flex;align-items:center;gap:4px;overflow-wrap:anywhere;min-height:22px}
.amount-card output{display:block;font-size:clamp(1.25rem,2.3vw,2.1rem);line-height:1.3;font-weight:750;letter-spacing:-.055em;white-space:nowrap;color:#224bbf;font-variant-numeric:tabular-nums;margin:10px 0 6px}
.amount-card.person-two output{color:#075f57}
.amount-card output[data-large="true"]{font-size:1.2rem}
.amount-share{font-size:.68rem;line-height:1.45;color:var(--muted)}
.share-bar{height:8px;display:flex;gap:3px;overflow:hidden;border-radius:8px;margin-top:18px;background:var(--bg)}
.share-bar span{min-width:0;display:block;border-radius:2px}
#share-bar-one{width:35%;background:var(--blue)}
#share-bar-two{width:65%;background:var(--teal)}
.result-explanation{font-size:.76rem;line-height:1.6;color:var(--muted);margin:10px 0 18px}
.budget-metrics{border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:5px 0}
.metric-row{display:grid;grid-template-columns:minmax(0,1.3fr) repeat(2,minmax(0,1fr));gap:9px;align-items:center;padding:8px 0;font-size:.71rem;line-height:1.5;font-variant-numeric:tabular-nums}
.metric-row>span:not(.metric-label),.metric-row>strong{text-align:right;overflow-wrap:anywhere}
.metric-label{color:var(--muted)}
.is-negative{color:#a12a2a}
.rounding-note{font-size:.67rem;color:var(--muted);line-height:1.55;margin-top:10px}
.share-box{border:1px solid var(--line);border-radius:10px;margin-top:18px;padding:0 13px}
.share-box summary{cursor:pointer;min-height:44px;padding:11px 0;font-size:.78rem;font-weight:650;color:var(--blue)}
.share-box summary>span{float:right}
.share-box>p{font-size:.75rem;color:var(--muted);margin:2px 0 10px}
.share-actions{display:flex;gap:8px;align-items:center;flex-wrap:wrap;margin-bottom:12px}
.button{display:inline-flex;justify-content:center;align-items:center;gap:12px;min-height:48px;padding:12px 19px;border:1px solid var(--blue);border-radius:9px;font-weight:650;font-size:.88rem;line-height:1.4;background:var(--blue);color:#fff;text-decoration:none}
.button:hover{background:#2148bd;border-color:#2148bd;text-decoration:none}
.button-secondary{background:#fff;color:var(--blue);border-color:#c5d2ee}
.button-secondary:hover{background:var(--blue-soft);color:var(--blue)}
.button-small{font-size:.75rem;min-height:42px;padding:8px 11px}
.text-button{background:none;border:0;color:var(--blue);font-size:.75rem;min-height:42px;padding:8px;text-decoration:underline;text-underline-offset:3px}
#copy-fallback{padding-bottom:12px}
#copy-fallback label{display:block;font-size:.74rem;margin-bottom:7px}
#share-link{font-size:16px;font-weight:400;resize:vertical;overflow-wrap:anywhere}
.local-note{font-size:.69rem;color:var(--muted);margin-top:13px;text-align:center}
.comparison-panel{margin-top:22px;padding-bottom:18px}
.comparison-heading{display:flex;justify-content:space-between;gap:24px;align-items:center;margin-bottom:18px}
.eyebrow{text-transform:uppercase;letter-spacing:.1em;font-size:.68rem;color:var(--blue);font-weight:750;margin-bottom:9px}
.comparison-heading h2{font-size:1.22rem;letter-spacing:-.025em}
.comparison-heading>.muted-small{max-width:260px;font-size:.72rem}
.table-scroll{max-width:100%;overflow-x:auto;overscroll-behavior-inline:contain;border-radius:10px}
table{width:100%;border-collapse:collapse;font-variant-numeric:tabular-nums;font-size:.85rem}
th,td{padding:14px 17px;border-bottom:1px solid var(--line);text-align:left}
thead th{font-size:.73rem;font-weight:600;color:var(--muted);background:var(--bg);overflow-wrap:anywhere}
tbody th{font-weight:600}
tbody tr:last-child>th,tbody tr:last-child>td{border-bottom:0}
.comparison-table{table-layout:fixed}
.comparison-table th:first-child{width:40%}
.comparison-table td{text-align:right;font-weight:650;white-space:nowrap}
.comparison-table thead th:not(:first-child){text-align:right}
.comparison-table small{display:block;font-size:.72rem;color:var(--muted);font-weight:400;margin-top:2px}
.comparison-table .is-selected{background:var(--blue-soft)}
.row-selected{display:inline-block;font-size:.59rem;letter-spacing:.03em;text-transform:uppercase;color:var(--blue);margin-top:4px;font-weight:750}
.comparison-note{font-size:.76rem;line-height:1.6;color:var(--muted);margin:15px 0 0}
.app-callout{display:grid;grid-template-columns:1fr auto;gap:40px;align-items:center;padding:30px;margin:30px 0 28px;background:#eaf0ff;border:1px solid #d7e1fa;border-radius:var(--radius)}
.app-callout h2{font-size:1.43rem;max-width:620px}
.app-callout p:not(.eyebrow):not(.muted-small){color:var(--muted);font-size:.87rem;line-height:1.7;margin-top:12px;max-width:620px}
.callout-actions{display:flex;flex-direction:column;align-items:center;gap:11px}
.callout-actions>a:not(.button){font-size:.78rem;font-weight:600}
.callout-actions>.muted-small:empty{display:none}
.article-nav{display:flex;gap:22px;flex-wrap:wrap;border-bottom:1px solid var(--line);padding:16px 0 25px;font-size:.79rem;color:var(--muted)}
.article-nav a{text-decoration:none;font-weight:600}
.content-section{padding:55px 0;border-bottom:1px solid var(--line);scroll-margin-top:25px}
.content-section>h2{max-width:820px}
.answer-section{display:grid;grid-template-columns:1fr 1.7fr;gap:60px}
.prose p+p{margin-top:16px}
.prose{color:var(--muted);font-size:.94rem;line-height:1.85}
.prose strong{color:var(--ink);font-weight:650}
.formula{background:var(--paper);border:1px solid #c9d5ee;border-left:3px solid var(--blue);border-radius:0 10px 10px 0;padding:18px 20px;color:var(--ink);font-size:.95rem;font-weight:600;line-height:1.8}
.method-cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;margin-top:26px}
.method-card{padding:25px;background:var(--paper);border:1px solid var(--line);border-radius:15px}
.method-number{display:inline-block;color:var(--blue);background:var(--blue-soft);font-weight:700;font-size:.72rem;padding:4px 9px;border-radius:7px;margin-bottom:18px}
.method-card h3{font-size:1.12rem;letter-spacing:-.025em;min-height:44px}
.method-card p{color:var(--muted);font-size:.85rem;line-height:1.8;margin-top:14px}
.method-card .method-takeaway{color:var(--ink);font-size:.8rem;font-weight:600;border-top:1px solid var(--line);padding-top:14px}
.section-note,.section-lead{color:var(--muted);font-size:.86rem;line-height:1.8;margin-top:17px;max-width:890px}
.static-table-wrap{background:white;border:1px solid var(--line);margin-top:24px}
.examples-table{min-width:720px;font-size:.81rem}
.examples-table td,.examples-table tbody th{white-space:nowrap;padding-block:19px}
.examples-table strong{font-weight:700;color:#234ab6}
.back-to-calculator{display:inline-flex;align-items:center;gap:12px;min-height:44px;font-weight:650;font-size:.85rem;margin-top:16px}
.faq-section{display:grid;grid-template-columns:1fr 1.7fr;gap:60px}
.faq-list details{padding:0 0 15px;border-bottom:1px solid var(--line);margin-bottom:15px}
.faq-list details:last-child{border:0;margin:0;padding-bottom:0}
.faq-list summary{font-size:.94rem;font-weight:600;line-height:1.65;cursor:pointer;min-height:44px;padding:8px 0;list-style:disclosure-closed}
.faq-list details[open]>summary{list-style:disclosure-open}
.faq-list p{font-size:.88rem;line-height:1.85;color:var(--muted);margin:9px 0 4px}
.related-section{border-bottom:0;padding-bottom:64px}
.related-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;margin-top:25px}
.related-grid>a{display:flex;flex-direction:column;align-items:start;border:1px solid var(--line);border-radius:13px;background:var(--paper);padding:23px;color:var(--ink);text-decoration:none}
.related-grid>a:hover{border-color:#aabce9}
.related-grid>a>span:first-child{font-size:.68rem;text-transform:uppercase;letter-spacing:.06em;color:var(--muted);margin-bottom:13px}
.related-grid h3{font-size:1.12rem}
.related-grid p{font-size:.84rem;line-height:1.8;color:var(--muted);margin:12px 0 20px}
.related-grid .read-link{font-size:.78rem;color:var(--blue);font-weight:650;margin-top:auto}
.site-footer{background:var(--paper);border-top:1px solid var(--line);padding:30px 0}
.footer-inner{display:flex;justify-content:space-between;gap:30px;flex-wrap:wrap}
.footer-inner p{font-size:.74rem;color:var(--muted);margin-top:7px}
.site-footer nav{display:flex;gap:10px 22px;align-items:center;flex-wrap:wrap;font-size:.76rem;max-width:590px}
.site-footer nav a{color:var(--muted);min-height:44px;display:inline-flex;align-items:center}
@media(min-width:1000px){.intro-heading{flex-wrap:nowrap}.intro-heading h1{flex:1}.result-panel{position:sticky;top:20px}}
@media(max-width:1000px){.amount-card{padding:14px 10px}.panel{padding:22px}.answer-section,.faq-section{gap:35px;grid-template-columns:1fr 1.5fr}.app-callout{gap:24px}.method-card{padding:20px}.metric-row{grid-template-columns:minmax(0,1.2fr) repeat(2,minmax(0,1fr));font-size:.67rem;gap:6px}}
@media(max-width:780px){.calculator-grid{grid-template-columns:1fr;gap:18px}.intro{padding:21px 0 24px}.intro-heading{gap:11px}.free-badge{font-size:.69rem}.amount-card{padding:18px}.amount-card output{font-size:2rem}.amount-card output[data-large="true"]{font-size:1.65rem}.result-panel{position:static}.method-help{min-height:0}.metric-row{font-size:.78rem}.comparison-heading{align-items:start}.comparison-panel{margin-top:18px}.app-callout{grid-template-columns:1fr}.callout-actions{align-items:start}.app-callout h2{max-width:580px}.answer-section,.faq-section{grid-template-columns:1fr;gap:24px}.method-cards,.related-grid{grid-template-columns:1fr}.method-card h3{min-height:0}.method-card{padding:24px}.method-number{margin-bottom:13px}.content-section{padding:40px 0}.article-nav{gap:10px 20px}.related-grid{gap:12px}.nav-inner{min-height:66px}.site-nav nav{gap:18px}}
@media(max-width:480px){.wrap{width:calc(100% - 28px)}.nav-inner{gap:12px;min-height:62px}.wordmark{font-size:1rem}.site-nav nav{gap:13px}.site-nav nav a{font-size:.76rem}.site-nav nav .nav-app{padding:8px 11px;gap:7px;min-height:40px}.site-nav .nav-guides{display:none}.breadcrumbs{font-size:.67rem;margin-bottom:14px}.intro{padding-top:17px}.intro-heading{gap:10px}.lead{font-size:.88rem;line-height:1.65;margin-top:11px}.panel{padding:18px;border-radius:15px}.panel-heading h2{font-size:1.05rem}.panel-heading .muted-small{font-size:.69rem}.form-intro{font-size:.73rem;margin-bottom:17px}.income-grid{gap:12px}.field label{font-size:.78rem}.field-caption{font-size:.67rem}.input-wrap input{font-size:16px;min-height:48px;padding-left:11px}.expense-field{margin-top:15px}.method-picker{margin-top:19px}.method-options span{font-size:.71rem;padding:5px 4px}.method-help{font-size:.7rem}.preset-buttons{gap:5px}.preset-buttons button{font-size:.65rem;padding:5px 7px;min-height:40px}.name-options{margin-top:7px}.presets{margin-top:10px}.result-intro{margin:16px 0}.amount-grid{gap:9px}.amount-card{padding:14px 11px}.amount-card output{font-size:clamp(1.25rem,6vw,1.85rem)}.amount-card output[data-large="true"]{font-size:1.08rem}.amount-name{font-size:.73rem}.amount-share{font-size:.62rem}.metric-row{font-size:.66rem}.comparison-heading{flex-direction:column;gap:10px}.comparison-heading>.muted-small{max-width:none}.comparison-heading h2{font-size:1.12rem}.comparison-table{font-size:.72rem}.comparison-table th,.comparison-table td{padding:11px 7px}.comparison-table thead th{font-size:.67rem}.comparison-table small{font-size:.65rem}.comparison-table td{white-space:normal;overflow-wrap:anywhere}.comparison-table th:first-child{width:38%}.comparison-note{font-size:.71rem}.app-callout{padding:23px 20px;border-radius:15px;margin-top:23px;gap:20px}.app-callout h2{font-size:1.3rem}.callout-actions{align-items:stretch;text-align:center}.button{font-size:.82rem;padding:12px 15px}.button-small{font-size:.73rem;padding:8px 10px}.article-nav{font-size:.74rem;gap:9px 17px}.article-nav>span{width:100%}.content-section{padding:35px 0}.prose{font-size:.89rem}.formula{font-size:.88rem;padding:14px 16px}.faq-list summary{font-size:.87rem}.faq-list p{font-size:.84rem}.footer-inner{gap:17px;flex-direction:column}.site-footer nav{gap:4px 18px}}
/* Keep supporting text readable and tap targets generous on small phones. */
.amount-card output{max-width:100%;white-space:normal;overflow-wrap:anywhere}
.field-caption,.method-help,.form-intro,.muted-small,.result-explanation,.rounding-note,.local-note,.amount-share{font-size:.8125rem}
.preset-buttons button,.name-options summary,.share-box summary,.share-box>p{font-size:.8125rem;min-height:44px}
.presets>.muted-small,.name-options summary span{font-size:.75rem}
.method-options span{font-size:.8125rem;min-height:44px}
.field label,.method-picker legend{font-size:.875rem}
.metric-row{font-size:.78rem}
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