:root{--bg:#f6f7f9;--card:#ffffff;--ink:#16202c;--muted:#64748b;--line:#e2e8f0;--brand:#0f766e;--brand-dark:#0b5b54;--accent:#b45309;--good:#15803d;--radius:14px;--shadow:0 1px 2px rgba(16,32,44,.06),0 8px 24px rgba(16,32,44,.06)}*{box-sizing:border-box}body,html{margin:0;padding:0}body{background:var(--bg);color:var(--ink);font:16px/1.6 -apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Helvetica Neue,Arial,sans-serif;-webkit-font-smoothing:antialiased}a{color:var(--brand-dark)}main{padding:0 18px 64px}.site-head,main{max-width:820px;margin:0 auto}.site-head{padding:18px;display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap}.brand{font-weight:800;font-size:1.15rem;color:var(--brand-dark);text-decoration:none;letter-spacing:-.01em}.site-head nav{display:flex;gap:18px;font-size:.93rem}.site-head nav a{color:var(--muted);text-decoration:none}.site-head nav a:hover{color:var(--ink)}.site-foot{max-width:820px;margin:40px auto 0;padding:24px 18px;border-top:1px solid var(--line);color:var(--muted);font-size:.85rem}.foot-links{display:flex;gap:16px;flex-wrap:wrap;margin-top:8px}.foot-links a{color:var(--muted)}.hero{padding:22px 0 10px}.hero h1{font-size:1.9rem;line-height:1.2;letter-spacing:-.02em;margin:0 0 12px}.lede{font-size:1.08rem;color:#334155;margin:0}.lede b{color:var(--ink)}.calc{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:20px;margin:18px 0}.calc-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));grid-gap:14px;gap:14px}.field{display:flex;flex-direction:column;gap:3px}.field-label{font-weight:600;font-size:.9rem}.field-hint{font-size:.75rem;color:var(--muted)}.field-in{margin-top:4px;display:flex;flex-direction:column;gap:8px}.num{position:relative;display:flex;align-items:center}.num input{width:100%;padding:10px 44px 10px 12px;border:1px solid var(--line);border-radius:10px;font-size:1rem;background:#fbfcfd;color:var(--ink)}.num input:focus{outline:2px solid var(--brand);border-color:var(--brand);background:#fff}.num-suffix{position:absolute;right:12px;color:var(--muted);font-size:.9rem;pointer-events:none}.toggle{display:inline-flex;border:1px solid var(--line);border-radius:10px;overflow:hidden}.toggle button{flex:1 1;padding:9px 10px;border:0;background:#fbfcfd;color:var(--muted);font-size:.85rem;cursor:pointer}.toggle button.on{background:var(--brand);color:#fff;font-weight:600}.calc-result{margin-top:20px;border-top:1px solid var(--line);padding-top:18px;display:grid;grid-template-columns:1fr 1.1fr;grid-gap:20px;gap:20px}.res-main{display:flex;flex-direction:column;gap:4px}.res-label{font-size:.82rem;color:var(--muted)}.res-value{font-size:2.1rem;font-weight:800;letter-spacing:-.02em;color:var(--brand-dark)}.res-sub{font-size:.82rem;color:var(--muted)}.res-break{display:flex;flex-direction:column;gap:6px;align-self:center}.brk-row{display:flex;justify-content:space-between;gap:12px;font-size:.86rem;padding:6px 0;border-bottom:1px dashed var(--line)}.brk-row b{white-space:nowrap}.brk-row.muted{color:var(--muted)}.warn{background:#fff7ed;border:1px solid #fed7aa;color:#7c2d12;padding:12px 14px;border-radius:10px;font-size:.9rem;margin:14px 0 0}.chart-wrap{margin-top:22px}.chart-title{font-size:1rem;margin:0 0 8px}.chart{width:100%;height:auto;background:#fbfcfd;border:1px solid var(--line);border-radius:10px}.chart .grid{stroke:var(--line);stroke-width:1}.chart .xtick,.chart .ytick{fill:var(--muted);font-size:10px}.chart .ytick{text-anchor:end}.chart .xtick{text-anchor:middle}.chart .area{fill:rgba(15,118,110,.1);stroke:none}.chart .line{fill:none;stroke:var(--brand);stroke-width:2.5;stroke-linejoin:round}.chart .mark{stroke:#94a3b8;stroke-width:1;stroke-dasharray:4 3}.chart .marklab{fill:#475569;font-size:9px;text-anchor:middle}.chart .nowline{stroke:var(--accent);stroke-width:1;stroke-dasharray:2 2}.chart .nowdot{fill:var(--accent);stroke:#fff;stroke-width:2}.optim{margin-top:18px;display:grid;grid-gap:10px;gap:10px}.ms{display:flex;align-items:center;gap:14px;padding:12px 14px;border:1px solid var(--line);border-radius:10px;background:#fbfcfd}.ms-on{border-color:#86efac;background:#f0fdf4}.ms-year{font-weight:800;color:var(--brand-dark);min-width:62px}.ms-body{display:flex;flex-direction:column;flex:1 1;font-size:.88rem}.ms-body span,.ms-state{color:var(--muted);font-size:.8rem}.ms-state{white-space:nowrap}.ms-on .ms-state{color:var(--good);font-weight:600}.calc-note,.calc-result+.calc-note{font-size:.76rem;color:var(--muted);margin-top:14px}.sel{width:100%;padding:10px 12px;border:1px solid var(--line);border-radius:10px;font-size:.95rem;background:#fbfcfd;color:var(--ink);-webkit-appearance:none;-moz-appearance:none;appearance:none}.sel:focus{outline:2px solid var(--brand);border-color:var(--brand);background:#fff}.checks{display:flex;gap:14px;margin-top:8px;flex-wrap:wrap}.chk{display:inline-flex;align-items:center;gap:6px;font-size:.82rem;color:var(--ink);font-weight:500;cursor:pointer}.chk input{width:15px;height:15px;accent-color:var(--brand)}.chain{margin-top:22px;border-top:1px solid var(--line);padding-top:18px}.chain-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));grid-gap:12px;gap:12px}.chaincard{display:flex;flex-direction:column;gap:3px;padding:14px;border:1px solid var(--line);border-radius:10px;background:#fbfcfd}.chaincard-hl{border-color:var(--brand);background:#f0fdfa}.cc-label{font-size:.78rem;color:var(--muted)}.cc-value{font-size:1.5rem;font-weight:800;color:var(--brand-dark);letter-spacing:-.01em}.cc-sub{font-size:.75rem;color:var(--muted)}.kit{margin:22px 0}.kit-hook{font-weight:600;margin:0 0 8px}.ad{margin:22px 0;min-height:90px}.ad-ph{display:flex;align-items:center;justify-content:center;background:repeating-linear-gradient(45deg,#f1f5f9,#f1f5f9 10px,#eef2f6 0,#eef2f6 20px);border:1px dashed var(--line);border-radius:10px;color:var(--muted);font-size:.82rem}.aff{margin:18px 0}.aff-note{font-size:.72rem;color:var(--muted);margin:0 0 6px}.aff-list{display:flex;flex-wrap:wrap;gap:10px}.aff-cta{display:inline-block;padding:10px 16px;background:var(--brand);color:#fff;border-radius:10px;text-decoration:none;font-weight:600;font-size:.9rem}.content{margin-top:30px}.content h2{font-size:1.35rem;margin:28px 0 10px;letter-spacing:-.01em}.prose h1{font-size:1.9rem;letter-spacing:-.02em}.bareme{padding-left:18px}.bareme li{margin:6px 0}.tbl{width:100%;border-collapse:collapse;margin:8px 0;font-size:.92rem}.tbl td,.tbl th{text-align:left;padding:10px 12px;border-bottom:1px solid var(--line)}.tbl th{background:#f1f5f9}.faq details{border:1px solid var(--line);border-radius:10px;padding:4px 14px;margin:8px 0;background:var(--card)}.faq summary{cursor:pointer;font-weight:600;padding:10px 0}.faq p{margin:4px 0 12px;color:#334155;font-size:.93rem}.links{padding-left:18px}.links li{margin:6px 0}.disclaimer{font-size:.8rem;color:var(--muted);border-left:3px solid var(--line);padding-left:12px;margin-top:20px}.sources{font-size:.78rem;color:var(--muted)}@media (max-width:560px){.calc-result{grid-template-columns:1fr}.hero h1{font-size:1.55rem}}