/* Calcify "Night Desk" design. One stylesheet for every page.
   Loaded last in <head>, after any page-level styles, so the tokens and the
   legacy theme layer below win over older calculator templates. */

@font-face{font-family:"Hanken Grotesk";src:url(/assets/fonts/hanken-grotesk-latin-wght-normal.woff2) format("woff2");font-weight:100 900;font-style:normal;font-display:swap}
@font-face{font-family:"Instrument Serif";src:url(/assets/fonts/instrument-serif-latin-400-italic.woff2) format("woff2");font-weight:400;font-style:italic;font-display:swap}
@font-face{font-family:"IBM Plex Mono";src:url(/assets/fonts/ibm-plex-mono-latin-500-normal.woff2) format("woff2");font-weight:500;font-style:normal;font-display:swap}
@font-face{font-family:"IBM Plex Mono";src:url(/assets/fonts/ibm-plex-mono-latin-600-normal.woff2) format("woff2");font-weight:600 700;font-style:normal;font-display:swap}

:root{
  --cf-bg:#111714;--cf-panel:#161E1A;--cf-panel-2:#1B241F;--cf-raise:#1F2A25;
  --cf-line:#26302B;--cf-line-2:#2E3A34;--cf-line-3:#3A4842;
  --cf-text:#ECE7DB;--cf-soft:#C9D1CC;--cf-muted:#A9B3AD;
  --cf-mint:#8FE0B8;--cf-coral:#F29B76;--cf-amber:#F2C46D;--cf-sky:#9DB7F5;--cf-cream:#E9F3DE;--cf-ink:#111714;
  --cf-sans:"Hanken Grotesk",system-ui,-apple-system,"Segoe UI",Arial,sans-serif;
  --cf-serif:"Instrument Serif",Georgia,serif;
  --cf-mono:"IBM Plex Mono",ui-monospace,Consolas,monospace;
  --cf-r:18px;--cf-r-sm:12px;--cf-max:1200px;

  /* legacy template variables, remapped so older calculators pick up the new look */
  --bg:var(--cf-bg);--bg-2:var(--cf-bg);--bg2:var(--cf-bg);--bg3:var(--cf-bg);--bg-3:var(--cf-bg);
  --surface:var(--cf-panel);--surface-2:var(--cf-panel-2);--surface2:var(--cf-panel-2);--surface-card:var(--cf-panel);
  --panel:var(--cf-panel);--panel2:var(--cf-panel-2);--card:var(--cf-panel);
  --border:var(--cf-line-2);--text:var(--cf-text);--muted:var(--cf-muted);--text-muted:var(--cf-muted);
  --green:var(--cf-mint);--success:var(--cf-mint);--cyan:var(--cf-mint);--teal:var(--cf-mint);
  --accent:var(--cf-mint);--accent2:var(--cf-amber);--accent-2:var(--cf-amber);--accent3:var(--cf-sky);--accent-3:var(--cf-sky);
  --accent-hover:var(--cf-cream);--blue:var(--cf-sky);--amber:var(--cf-amber);--gold:var(--cf-amber);
  --red:var(--cf-coral);--purple:var(--cf-sky);--purple-dark:var(--cf-sky);--purple-light:var(--cf-panel-2);
  --primary:var(--cf-text);--primary-light:var(--cf-panel-2);
  --font-head:var(--cf-sans);--font-body:var(--cf-sans);--font-mono:var(--cf-mono);--mono:var(--cf-mono);
  --shadow:none;--shadow-1:none;--shadow-2:none;--shadow-hover:none;
  --radius:var(--cf-r);--radius-lg:20px;--r:var(--cf-r);--r-sm:10px;--r-md:14px;--r-lg:var(--cf-r);--r-xl:22px;--r-2xl:26px;
  --grey-50:var(--cf-panel);--grey-100:var(--cf-panel-2);--grey-200:var(--cf-line-2);--grey-600:var(--cf-muted);--grey-800:var(--cf-text);
  --danger:var(--cf-coral);--warning:var(--cf-amber);--info:var(--cf-sky);
  --accent-light:var(--cf-panel-2);--teal-light:var(--cf-panel-2);--card2:var(--cf-panel-2);--accent-glow:rgba(143,224,184,.14);
}

html{background:var(--cf-bg);scroll-padding-top:84px}
body.cf{display:block!important;height:auto!important;min-height:100vh;padding-left:0!important;padding-right:0!important;padding-bottom:0!important;margin:0;background:var(--cf-bg)!important;color:var(--cf-text);font-family:var(--cf-sans)!important;font-size:16px;line-height:1.55;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;padding-top:0!important}
body.cf::before,body.cf::after{display:none!important;content:none!important}
body.cf h1,body.cf h2,body.cf h3,body.cf h4{font-family:var(--cf-sans);color:var(--cf-text);letter-spacing:-0.02em}
body.cf h1{font-weight:800}
body.cf h2{font-weight:800}
body.cf h3{font-weight:700}
body.cf a{color:var(--cf-mint)}
body.cf a:hover{color:var(--cf-cream)}
body.cf ::selection{background:var(--cf-mint);color:var(--cf-ink)}
body.cf :focus-visible{outline:2px solid var(--cf-mint);outline-offset:2px}
body.cf img{max-width:100%;height:auto}
.cf-sr{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.cf-skip{position:absolute;left:-9999px;top:8px;z-index:200;padding:10px 14px;border-radius:10px;background:var(--cf-cream);color:var(--cf-ink)!important;font-weight:700}
.cf-skip:focus{left:12px}

/* ---------- header ---------- */
body.cf .cf-head{position:sticky;top:0;z-index:100;display:block;margin:0;padding:0;height:auto;background:rgba(17,23,20,0.94);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);border:0;border-bottom:1px solid var(--cf-line);box-shadow:none;text-align:left}
body.cf .cf-head-in{max-width:var(--cf-max);margin:0 auto;padding:10px clamp(16px,3vw,32px);display:flex;align-items:center;gap:20px;min-height:44px}
body.cf .cf-logo{display:inline-flex;align-items:center;gap:10px;text-decoration:none;color:var(--cf-text)!important;font-family:var(--cf-sans);font-size:22px;font-weight:800;letter-spacing:-0.02em;-webkit-text-fill-color:currentColor;background:none;white-space:nowrap}
body.cf .cf-logo:hover{color:#fff!important}
body.cf .cf-mark{display:inline-grid;place-items:center;width:34px;height:34px;border-radius:10px;background:var(--cf-raise);color:var(--cf-mint);font-family:var(--cf-serif);font-style:italic;font-weight:400;font-size:27px;line-height:1;padding-bottom:3px;box-sizing:border-box}
body.cf .cf-tld{color:var(--cf-muted);font-weight:500;margin:0}
body.cf .cf-nav{position:static!important;display:flex;flex-wrap:wrap;align-items:center;gap:4px;margin:0 0 0 auto;padding:0;height:auto;background:none!important;border:0!important;box-shadow:none;backdrop-filter:none;-webkit-backdrop-filter:none;z-index:auto;width:auto}
body.cf .cf-nav a{display:inline-flex;align-items:center;min-height:40px;padding:0 12px;border-radius:10px;color:var(--cf-soft);text-decoration:none;font-size:15px;font-weight:600}
body.cf .cf-nav a:hover,body.cf .cf-nav a[aria-current="page"]{background:var(--cf-panel-2);color:var(--cf-text)}
body.cf .cf-head .cf-btn{margin-left:4px}
body.cf .cf-menu{display:none;align-items:center;justify-content:center;width:44px;height:44px;margin:0 0 0 auto;padding:0;border:1px solid var(--cf-line-2);border-radius:12px;background:transparent;color:var(--cf-text);cursor:pointer}
@media (max-width:980px){
  body.cf .cf-menu{display:inline-flex}
  body.cf .cf-head .cf-btn{display:none}
  body.cf .cf-nav{display:none;position:absolute!important;left:0;right:0;top:100%;flex-direction:column;align-items:stretch;gap:2px;margin:0;padding:10px clamp(16px,3vw,32px) 16px;background:var(--cf-bg)!important;border-bottom:1px solid var(--cf-line)!important}
  body.cf .cf-nav a{min-height:48px;font-size:17px}
  body.cf .cf-head[data-open="true"] .cf-nav{display:flex}
}

/* ---------- buttons, chips ---------- */
body.cf .cf-btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:46px;padding:0 20px;border-radius:12px;border:1px solid var(--cf-cream);background:var(--cf-cream);color:var(--cf-ink)!important;font-family:var(--cf-sans);font-size:16px;font-weight:700;text-decoration:none;cursor:pointer;transition:background .2s,border-color .2s}
body.cf .cf-btn:hover{background:#fff;border-color:#fff;color:var(--cf-ink)!important}
body.cf .cf-btn-ghost{background:transparent;border-color:var(--cf-line-3);color:var(--cf-text)!important}
body.cf .cf-btn-ghost:hover{background:var(--cf-panel-2);border-color:var(--cf-line-3);color:var(--cf-text)!important}
body.cf .cf-btn-sm{min-height:40px;padding:0 14px;font-size:15px;border-radius:10px}
body.cf .cf-chip{display:inline-flex;align-items:center;gap:6px;padding:5px 12px;border-radius:999px;background:var(--cf-panel-2);border:1px solid var(--cf-line-2);color:var(--cf-soft);font-size:13px;font-weight:600}
body.cf .cf-eyebrow{margin:0 0 14px;font-size:13px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--cf-muted)}
body.cf .cf-eyebrow b{color:var(--cf-mint);font-weight:700}
body.cf .cf-ico{width:18px;height:18px;flex:none;stroke:currentColor;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;vertical-align:-3px}

/* ---------- layout and content ---------- */
body.cf .cf-wrap{max-width:var(--cf-max);margin:0 auto;padding-left:clamp(16px,3vw,32px);padding-right:clamp(16px,3vw,32px);box-sizing:border-box}
body.cf .cf-crumbs{margin:0;padding:22px 0 0;font-size:14px;color:var(--cf-muted)}
body.cf .cf-crumbs a{color:var(--cf-muted);text-decoration:none}
body.cf .cf-crumbs a:hover{color:var(--cf-text);text-decoration:underline}
body.cf .cf-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:14px}
body.cf .cf-card{display:flex;flex-direction:column;gap:8px;padding:20px;border:1px solid var(--cf-line-2);border-radius:16px;background:var(--cf-panel);color:var(--cf-text);text-decoration:none;transition:border-color .2s,background .2s}
body.cf a.cf-card:hover{border-color:var(--cf-line-3);background:var(--cf-panel-2);color:var(--cf-text)}
body.cf .cf-card h3{margin:0;font-size:18px;line-height:1.3}
body.cf .cf-card p{margin:0;color:var(--cf-muted);font-size:15px}
body.cf .cf-num{font-family:var(--cf-mono);font-weight:600;letter-spacing:-0.02em;color:var(--cf-mint)}
body.cf .cf-note{padding:14px 16px;border:1px solid var(--cf-line-2);border-radius:14px;background:var(--cf-panel);color:var(--cf-soft);font-size:15px}
body.cf .cf-note strong{color:var(--cf-text)}
body.cf .cf-tag{display:inline-flex;align-items:center;gap:6px;color:var(--cf-mint);font-size:12px;font-weight:700;letter-spacing:.1em;text-transform:uppercase}
body.cf .cf-serif{font-family:var(--cf-serif);font-style:italic;font-weight:400;letter-spacing:-0.01em;color:var(--cf-coral)}

/* ---------- footer ---------- */
body.cf .cf-foot{display:block;margin:72px 0 0;padding:0;background:var(--cf-bg)!important;border:0;border-top:1px solid var(--cf-line);color:var(--cf-muted);text-align:left;font-size:15px}
body.cf .cf-foot-in{max-width:var(--cf-max);margin:0 auto;padding:40px clamp(16px,3vw,32px) 32px;display:flex;flex-wrap:wrap;gap:28px 48px;justify-content:space-between}
body.cf .cf-foot-brand{flex:1 1 300px;max-width:460px}
body.cf .cf-foot-brand p{margin:12px 0 0;color:var(--cf-muted)}
body.cf .cf-foot nav{display:grid;grid-template-columns:repeat(2,minmax(140px,auto));gap:8px 32px;position:static;background:none;border:0;padding:0;height:auto}
body.cf .cf-foot nav a{color:var(--cf-soft);text-decoration:none;min-height:32px;display:inline-flex;align-items:center}
body.cf .cf-foot nav a:hover{color:var(--cf-text);text-decoration:underline}
body.cf .cf-foot-small{flex:1 1 100%;margin:8px 0 0;padding-top:20px;border-top:1px solid var(--cf-line);font-size:13px;color:var(--cf-muted)}

/* ---------- article and guide pages ---------- */
body.cf .cf-prose{font-size:17px;line-height:1.7;color:var(--cf-soft)}
body.cf .cf-prose h2{margin:2em 0 .6em;font-size:28px;line-height:1.2}
body.cf .cf-prose h3{margin:1.6em 0 .5em;font-size:21px}
body.cf .cf-prose p,body.cf .cf-prose ul,body.cf .cf-prose ol{margin:0 0 1em}
body.cf .cf-prose li{margin:.3em 0}
body.cf .cf-prose strong{color:var(--cf-text)}
body.cf .cf-prose table{width:100%;border-collapse:collapse;margin:1em 0 1.4em;font-size:15px}
body.cf .cf-prose th,body.cf .cf-prose td{padding:10px 12px;border-bottom:1px solid var(--cf-line-2);text-align:left;vertical-align:top}
body.cf .cf-prose th{color:var(--cf-text);font-weight:700;background:var(--cf-panel)}

/* ---------- homepage ---------- */
body.cf .cf-home{display:flex;flex-wrap:wrap;align-items:stretch;max-width:1440px;margin:0 auto}
body.cf .cf-rail{flex:1 1 250px;max-width:290px;box-sizing:border-box;padding:24px 18px;border-right:1px solid var(--cf-line);display:flex;flex-direction:column;gap:18px}
body.cf .cf-rail h2{margin:4px 0 4px 10px;font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--cf-muted)}
body.cf .cf-rail nav{display:flex;flex-direction:column;gap:2px;position:static;background:none;border:0;padding:0;height:auto}
body.cf .cf-rail nav a{display:flex;align-items:center;gap:12px;min-height:44px;padding:0 10px;border-radius:10px;color:var(--cf-text);text-decoration:none;font-weight:500}
body.cf .cf-rail nav a:hover{background:var(--cf-panel-2)}
body.cf .cf-rail nav a.on{background:var(--cf-cream);color:var(--cf-ink);font-weight:700}
body.cf .cf-rail-in{position:sticky;top:84px;display:flex;flex-direction:column;gap:18px}
body.cf .cf-rail-box{margin-top:6px;padding:16px;border:1px solid var(--cf-line-2);border-radius:14px;background:var(--cf-panel);font-size:14px;color:var(--cf-soft)}
body.cf .cf-rail-box p{margin:0}
body.cf .cf-rail-box p+p{margin-top:4px}
body.cf .cf-rail-box b{color:var(--cf-text)}
body.cf .cf-main{flex:999 1 640px;min-width:0}
body.cf .cf-main-in{max-width:1000px;margin:0 auto;padding:56px clamp(16px,4vw,48px) 24px}
body.cf .cf-hero h1{margin:0;font-size:clamp(44px,6.4vw,78px);line-height:1;letter-spacing:-0.035em}
body.cf .cf-hero h1 .cf-serif{display:inline-block;padding-right:.08em}
body.cf .cf-hero p.cf-lead{margin:22px 0 28px;max-width:580px;font-size:19px;color:var(--cf-soft)}
body.cf .cf-actions{display:flex;flex-wrap:wrap;gap:12px}
body.cf .cf-sec{margin-top:64px}
body.cf .cf-sec-head{display:flex;flex-wrap:wrap;align-items:baseline;justify-content:space-between;gap:8px 20px;margin-bottom:18px}
body.cf .cf-sec-head h2{margin:0;font-size:30px;line-height:1.15}
body.cf .cf-sec-head p{margin:0;color:var(--cf-muted)}
body.cf .cf-sec-head a{font-weight:700;text-decoration:none}

/* live take home panel */
body.cf .cf-live{display:flex;flex-wrap:wrap;margin-top:48px;border:1px solid var(--cf-line-2);border-radius:20px;overflow:hidden;background:var(--cf-panel)}
body.cf .cf-live-in,body.cf .cf-live-out{flex:1 1 300px;padding:26px;box-sizing:border-box}
body.cf .cf-live-in{border-right:1px solid var(--cf-line-2)}
body.cf .cf-live label,body.cf .cf-field label,body.cf .cf-field legend{display:block;margin:0 0 6px;font-size:14px;color:var(--cf-soft);font-weight:500}
body.cf .cf-live input,body.cf .cf-field input,body.cf .cf-field select{width:100%;box-sizing:border-box;height:52px;padding:0 14px;border:1px solid var(--cf-line-3);border-radius:12px;background:var(--cf-bg);color:var(--cf-text);font-family:var(--cf-mono);font-size:20px;font-weight:600}
body.cf .cf-live input:focus,body.cf .cf-field input:focus,body.cf .cf-field select:focus{border-color:var(--cf-mint);outline:none}
body.cf .cf-seg{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:6px;margin-top:16px}
body.cf .cf-seg button{min-height:44px;border-radius:10px;border:1px solid var(--cf-line-3);background:transparent;color:var(--cf-text);font:600 14px var(--cf-sans);cursor:pointer}
body.cf .cf-seg button[aria-pressed="true"]{background:var(--cf-cream);border-color:var(--cf-cream);color:var(--cf-ink)}
body.cf .cf-live-big{margin:2px 0 14px;font-family:var(--cf-mono);font-size:clamp(38px,5vw,50px);font-weight:600;letter-spacing:-0.04em;color:var(--cf-mint);line-height:1.1}
body.cf .cf-live-big small{font-family:var(--cf-sans);font-size:16px;font-weight:500;letter-spacing:0;color:var(--cf-muted)}
body.cf .cf-rows{margin:0;padding:0;list-style:none}
body.cf .cf-rows li{display:flex;justify-content:space-between;gap:16px;padding:9px 0;border-top:1px solid var(--cf-line)}
body.cf .cf-rows li span:last-child{font-family:var(--cf-mono);font-weight:500;color:var(--cf-text)}
body.cf .cf-rows li.tot{font-weight:700;color:var(--cf-text)}
body.cf .cf-small{font-size:13px;color:var(--cf-muted)}

/* most used tiles */
body.cf .cf-tile{display:flex;flex-direction:column;gap:10px;padding:20px;border:1px solid var(--cf-line-2);border-radius:16px;background:var(--cf-panel);text-decoration:none;color:var(--cf-text)}
body.cf .cf-tile:hover{border-color:var(--cf-line-3);background:var(--cf-panel-2);color:var(--cf-text)}
body.cf .cf-tile b{font-size:18px}
body.cf .cf-tile span{font-size:14px;color:var(--cf-muted)}
body.cf .cf-tile .cf-num{font-size:23px}

/* lists of links */
body.cf .cf-list{display:flex;flex-direction:column;margin:0;padding:0;list-style:none;border-top:1px solid var(--cf-line)}
body.cf .cf-list li{margin:0}
body.cf .cf-list a{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:baseline;gap:4px 20px;padding:16px 0;border-bottom:1px solid var(--cf-line);color:var(--cf-text);text-decoration:none}
body.cf .cf-list a:hover b{text-decoration:underline}
body.cf .cf-list b{font-size:18px;font-weight:600}
body.cf .cf-list span{color:var(--cf-muted);font-size:14px}

/* rates table */
body.cf .cf-rates{display:grid;grid-template-columns:repeat(auto-fit,minmax(290px,1fr));gap:14px}
body.cf .cf-rate{padding:20px;border:1px solid var(--cf-line-2);border-radius:16px;background:var(--cf-panel)}
body.cf .cf-rate h3{margin:0 0 10px;font-size:17px}
body.cf .cf-rate table{width:100%;border-collapse:collapse;font-size:14px}
body.cf .cf-rate td{padding:7px 0;border-top:1px solid var(--cf-line);vertical-align:top;color:var(--cf-soft)}
body.cf .cf-rate td:last-child{text-align:right;font-family:var(--cf-mono);font-weight:600;color:var(--cf-text);white-space:nowrap;padding-left:12px}

/* search */
body.cf .cf-search{position:relative}
body.cf .cf-search label{display:flex;align-items:center;gap:10px;height:46px;padding:0 12px;border:1px solid var(--cf-line-2);border-radius:12px;background:var(--cf-panel);color:var(--cf-muted)}
body.cf .cf-search input{flex:1;min-width:0;height:100%;border:0;background:transparent;color:var(--cf-text);font:400 15px var(--cf-sans);outline:none}
body.cf .cf-search label:focus-within{border-color:var(--cf-mint)}
body.cf .cf-results{position:absolute;left:0;right:0;top:calc(100% + 6px);z-index:50;display:none;max-height:360px;overflow:auto;margin:0;padding:6px;list-style:none;border:1px solid var(--cf-line-3);border-radius:14px;background:var(--cf-panel-2)}
body.cf .cf-results.on{display:block}
body.cf .cf-results a{display:block;padding:10px 12px;border-radius:10px;color:var(--cf-text);text-decoration:none;font-size:15px}
body.cf .cf-results a:hover,body.cf .cf-results a:focus{background:var(--cf-raise)}
body.cf .cf-results small{display:block;color:var(--cf-muted);font-size:12px}

@media (max-width:760px){
  body.cf .cf-rail-in{position:static}
  body.cf .cf-rail{max-width:none;border-right:0;border-bottom:1px solid var(--cf-line)}
  body.cf .cf-rail nav{display:grid;grid-template-columns:repeat(2,minmax(0,1fr))}
  body.cf .cf-rail-box{display:none}
  body.cf .cf-main-in{padding-top:36px}
  body.cf .cf-live-in{border-right:0;border-bottom:1px solid var(--cf-line-2)}
}

/* ---------- legacy theme layer: older calculator templates ---------- */
body.cf .nav-logo,body.cf .glow,body.cf .hero h1 .glow,body.cf .hero .glow,body.cf .logo-text,body.cf .hero h1 .accent{background:none!important;-webkit-background-clip:border-box!important;background-clip:border-box!important;-webkit-text-fill-color:currentColor!important}
body.cf .glow,body.cf .hero h1 .glow,body.cf .hero .glow,body.cf .hero h1 .accent{color:var(--cf-mint)!important}
body.cf .hero,body.cf header.hero{padding-top:48px!important;background:none!important}
body.cf .page-wrap,body.cf main.page-wrap{padding-top:32px!important}
body.cf .container{max-width:var(--cf-max)}
/* panels */
body.cf .calc-card,body.cf .card,body.cf .info-card,body.cf .result-box,body.cf .kpi,body.cf .tool-card,body.cf .explore-card,
body.cf .rate-card,body.cf .guide-card,body.cf .hero-panel,body.cf .hero-card,body.cf .calc-panel,body.cf .seo-content,body.cf .seo-section,
body.cf .info-section,body.cf .strategy-card,body.cf .persona-card,body.cf .learning-card,body.cf .start-card,body.cf .result-card,
body.cf .breakdown,body.cf .related,body.cf .explore-more,body.cf .stat,body.cf .metric,body.cf .panel,body.cf .box,body.cf .block,
body.cf .result-category,body.cf .fee-breakdown,body.cf .quick-item,body.cf .range-item{background:var(--cf-panel)!important;border:1px solid var(--cf-line-2)!important;box-shadow:none!important;backdrop-filter:none!important;-webkit-backdrop-filter:none!important;color:var(--cf-text)}
body.cf .result,body.cf .output,body.cf .results .result-hero,body.cf .result-hero{background:var(--cf-panel-2)!important;border-color:var(--cf-line-3)!important;box-shadow:none!important}
body.cf .tip,body.cf .note,body.cf .warning,body.cf .warn{background:var(--cf-panel-2)!important;border:1px solid var(--cf-line-3)!important;border-left-width:1px!important;color:var(--cf-soft)!important;box-shadow:none!important}
/* result groups */
body.cf .result-hero{display:grid!important;grid-template-columns:repeat(auto-fit,minmax(150px,1fr))!important;gap:10px!important;padding:0!important;background:none!important;border:0!important}
body.cf .result-box{padding:14px 16px!important;border-radius:14px!important;text-align:left!important}
body.cf .result-box h3{margin:0 0 4px!important;font-size:12px!important;font-weight:700!important;letter-spacing:.1em;text-transform:uppercase;color:var(--cf-muted)!important}
body.cf .results{border-top:0!important;padding-top:4px!important}
/* figures */
body.cf .result-num,body.cf .kpi .num,body.cf .num,body.cf .mono,body.cf .stat strong,body.cf .metric strong,body.cf .big{font-family:var(--cf-mono)!important;letter-spacing:-0.02em}
body.cf .result-num,body.cf .result-num.big{color:var(--cf-mint)!important;-webkit-text-fill-color:currentColor!important;background:none!important}
/* form controls */
body.cf main input:not([type="range"]):not([type="checkbox"]):not([type="radio"]):not([type="submit"]):not([type="button"]),
body.cf main select,body.cf main textarea,
body.cf .calc-card input:not([type="range"]):not([type="checkbox"]):not([type="radio"]),body.cf .calc-card select,
body.cf .card input:not([type="range"]):not([type="checkbox"]):not([type="radio"]),body.cf .card select,
body.cf .container input:not([type="range"]):not([type="checkbox"]):not([type="radio"]):not([type="submit"]):not([type="button"]),body.cf .container select,body.cf .container textarea,
body.cf .page-wrap input:not([type="range"]):not([type="checkbox"]):not([type="radio"]),body.cf .page-wrap select,
body.cf .input,body.cf .salary-input,body.cf .currency-input,body.cf .calc-input{background:var(--cf-bg)!important;border:1px solid var(--cf-line-3)!important;border-radius:12px!important;color:var(--cf-text)!important;font-family:var(--cf-sans);box-shadow:none!important;min-height:46px;box-sizing:border-box}
body.cf .input-row:has(> input){display:flex;align-items:center;gap:6px;padding-left:14px;background:var(--cf-bg)!important;border:1px solid var(--cf-line-3)!important;border-radius:12px!important}
body.cf .input-row:has(> input):focus-within{border-color:var(--cf-mint)!important}
body.cf .calc-card .input-row > input,body.cf .input-row > input.salary-input,body.cf .input-row:has(> input) > input{border:0!important;background:transparent!important;min-height:44px}
body.cf select option{background:var(--cf-panel-2);color:var(--cf-text)}
body.cf input:focus,body.cf select:focus,body.cf textarea:focus{border-color:var(--cf-mint)!important;outline:none}
body.cf input[type="range"]{accent-color:var(--cf-mint)}
body.cf input[type="checkbox"],body.cf input[type="radio"]{accent-color:var(--cf-mint)}
body.cf label,body.cf .label{color:var(--cf-soft)}
/* buttons */
body.cf .btn,body.cf .btn-primary,body.cf .calc-btn,body.cf .calc-submit-btn,body.cf .action-btn,body.cf .nav-cta,body.cf .rate-tab.active,
body.cf main button:not([class*="cf-"]):not([role="tab"]){background:var(--cf-cream)!important;border:1px solid var(--cf-cream)!important;color:var(--cf-ink)!important;border-radius:12px!important;box-shadow:none!important;font-family:var(--cf-sans)!important;font-weight:700!important;-webkit-text-fill-color:currentColor!important;background-image:none!important;min-height:44px}
body.cf .btn:hover,body.cf .btn-primary:hover,body.cf .calc-btn:hover,body.cf main button:not([class*="cf-"]):hover{background:#fff!important;border-color:#fff!important;transform:none!important}
body.cf .btn-secondary,body.cf .pill,body.cf .rate-tab,body.cf .calc-pill{background:transparent!important;border:1px solid var(--cf-line-3)!important;color:var(--cf-text)!important;background-image:none!important;box-shadow:none!important}
body.cf .pill.active,body.cf .calc-pill.active,body.cf .rate-tab.active,body.cf .pill[aria-pressed="true"]{background:var(--cf-cream)!important;border-color:var(--cf-cream)!important;color:var(--cf-ink)!important}
/* tables */
body.cf main table,body.cf .container table{border-collapse:collapse}
body.cf main th,body.cf .container th{background:var(--cf-panel-2)!important;color:var(--cf-text)!important;border-color:var(--cf-line-2)!important}
body.cf main td,body.cf .container td{border-color:var(--cf-line-2)!important;color:var(--cf-soft)}
/* bars and badges */
body.cf .bar:not(.bar-deposit):not(.bar-interest){background:var(--cf-panel-2)!important}
body.cf .bar-chart .bar{border:0!important}
body.cf .hero::before,body.cf .hero::after{display:none!important;content:none!important}
body.cf .bar-fill{background:var(--cf-mint)!important;background-image:none!important}
body.cf .badge,body.cf .rate-badge,body.cf .nav-tag,body.cf .eyebrow,body.cf .chip{background:var(--cf-panel-2)!important;border:1px solid var(--cf-line-2)!important;color:var(--cf-soft)!important;background-image:none!important;-webkit-text-fill-color:currentColor!important}
body.cf .good{color:var(--cf-mint)!important}
body.cf .bad{color:var(--cf-coral)!important}
body.cf .muted,body.cf .small{color:var(--cf-muted)}
/* old widgets that no longer fit */
body.cf #vpn-sidebar-widget,body.cf .hamburger{display:none!important}

/* older info sections: body copy, links and call-out boxes */
body.cf .info-section p,body.cf .info-section li,body.cf .seo-content p,body.cf .seo-content li,body.cf .seo-section p,body.cf .seo-section li,body.cf .seo p,body.cf .seo li{color:var(--cf-soft)!important}
body.cf .info-section strong,body.cf .seo-content strong,body.cf .seo-section strong,body.cf .seo strong{color:var(--cf-text)!important}
body.cf .info-section a,body.cf .seo-content a,body.cf .seo-section a,body.cf .content a:not([class]){color:var(--cf-mint)!important}
body.cf .tip-box,body.cf .warning-box,body.cf .info-box,body.cf .note-box,body.cf .alert,body.cf .callout{background:var(--cf-panel-2)!important;border:1px solid var(--cf-line-3)!important;border-left:3px solid var(--cf-mint)!important;border-radius:12px!important;color:var(--cf-soft)!important;box-shadow:none!important}
body.cf .warning-box,body.cf .info-box{border-left-color:var(--cf-amber)!important}
body.cf .tip-box strong,body.cf .warning-box strong,body.cf .info-box strong{color:var(--cf-text)!important}
body.cf .calc-card h3,body.cf .content h3{color:var(--cf-text)!important}
body.cf .formula{background:var(--cf-panel-2)!important;border:1px solid var(--cf-line-3)!important;color:var(--cf-mint)!important;font-family:var(--cf-mono)!important}
body.cf .result-display .formula{background:none!important;border:0!important;color:var(--cf-muted)!important;font-family:var(--cf-sans)!important}
/* tables everywhere */
body.cf th{background:var(--cf-panel-2)!important;color:var(--cf-text)!important;border-color:var(--cf-line-2)!important}
body.cf td{border-color:var(--cf-line-2)!important}
body.cf tr,body.cf tbody tr:nth-child(even),body.cf tbody tr:nth-child(odd){background:transparent!important}
/* segmented toggles (units, sex, add or remove VAT, repayment type) */
body.cf .unit-toggle,body.cf .sex-toggle,body.cf .mode-toggle{display:flex;gap:4px!important;padding:4px!important;background:var(--cf-bg)!important;border:1px solid var(--cf-line-3)!important;border-radius:14px!important}
body.cf .unit-btn,body.cf .sex-btn,body.cf .mode-btn,body.cf .toggle-btn,body.cf .rate-btn,body.cf .cat-tab{background:transparent!important;border:1px solid transparent!important;color:var(--cf-soft)!important;border-radius:10px!important;box-shadow:none!important;min-height:40px;font-family:var(--cf-sans)!important;font-weight:600!important}
body.cf .toggle-btn,body.cf .rate-btn,body.cf .cat-tab{border-color:var(--cf-line-3)!important}
body.cf .unit-btn.active,body.cf .sex-btn.active,body.cf .mode-btn.active,body.cf .toggle-btn.active,body.cf .rate-btn.active,body.cf .cat-tab.active{background:var(--cf-cream)!important;border-color:var(--cf-cream)!important;color:var(--cf-ink)!important}
body.cf .unit-btn:hover:not(.active),body.cf .sex-btn:hover:not(.active),body.cf .mode-btn:hover:not(.active),body.cf .toggle-btn:hover:not(.active),body.cf .rate-btn:hover:not(.active),body.cf .cat-tab:hover:not(.active){background:var(--cf-raise)!important;color:var(--cf-text)!important}
body.cf .rate-custom span,body.cf .quick-item .from,body.cf .q-label{color:var(--cf-muted)!important}
body.cf .q-amount,body.cf .quick-item .to{color:var(--cf-text)!important}
/* unit and currency converters */
body.cf .converter-wrap{background:var(--cf-panel)!important;border:1px solid var(--cf-line-2)!important;box-shadow:none!important;margin-top:24px!important}
body.cf .converter-wrap input,body.cf .converter-wrap select,body.cf #to-result{background:var(--cf-bg)!important;border:1px solid var(--cf-line-3)!important;border-radius:12px!important;color:var(--cf-text)!important;box-shadow:none!important}
body.cf .result-display{background:var(--cf-cream)!important;background-image:none!important;color:var(--cf-ink)!important}
body.cf .result-display .result-value{color:var(--cf-ink)!important;font-family:var(--cf-mono)!important}
body.cf .result-display .result-unit,body.cf .result-display .formula{color:#34413B!important}
body.cf .quick-conversions h3{color:var(--cf-text)!important}
body.cf .swap-btn{background:var(--cf-raise)!important;border:1px solid var(--cf-line-3)!important;color:var(--cf-text)!important;box-shadow:none!important}
body.cf .swap-btn:hover{background:var(--cf-cream)!important;color:var(--cf-ink)!important}
/* charts and bars */
body.cf .chart-container{background:var(--cf-panel-2)!important;border-color:var(--cf-line-2)!important}
body.cf .chart-legend,body.cf .bar-label{color:var(--cf-muted)!important}
body.cf .bar-fill.bar-principal,body.cf .bar-fill.bar-interest{color:var(--cf-ink)!important}
body.cf .bar > span{background:var(--cf-mint)!important;background-image:none!important}
body.cf .result-item.highlight{background:var(--cf-panel-2)!important;background-image:none!important;border-color:var(--cf-mint)!important}
/* eBay profit result card */
body.cf .results-card{background:var(--cf-panel)!important;border:1px solid var(--cf-line-2)!important;color:var(--cf-text)!important}
body.cf .results-card h2,body.cf .results-card .profit-label,body.cf .results-card .profit-margin,body.cf .results-card .legend-item{color:var(--cf-soft)!important}
body.cf .results-card .profit-value{color:var(--cf-text)!important;font-family:var(--cf-mono)!important}
body.cf .results-card .profit-value.positive{color:var(--cf-mint)!important}
body.cf .results-card .profit-value.negative{color:var(--cf-coral)!important}
/* copy confirmation toast: hidden until shown */
body.cf .copy-toast{background:var(--cf-cream)!important;color:var(--cf-ink)!important;opacity:0;pointer-events:none}
body.cf .copy-toast.show{opacity:1}
/* hub page call to action */
body.cf .cta{background:var(--cf-panel)!important;background-image:none!important;border:1px solid var(--cf-line-2)!important;box-shadow:none!important}
body.cf .cta a,body.cf button.primary,body.cf .card.stack > button{background:var(--cf-cream)!important;background-image:none!important;border:1px solid var(--cf-cream)!important;color:var(--cf-ink)!important;-webkit-text-fill-color:currentColor!important;box-shadow:none!important}
body.cf .container .container{background:none!important}
/* plain buttons outside main on older pages */
body.cf .card > div > button#calcBtn,body.cf #calcBtn{background:var(--cf-cream)!important;border:1px solid var(--cf-cream)!important;color:var(--cf-ink)!important;border-radius:12px!important;font-weight:700!important;min-height:44px}

/* 404 */
body.cf .cf-404{max-width:760px;margin:0 auto;padding:72px clamp(16px,3vw,32px) 96px}
body.cf .cf-404 h1{margin:0;font-size:clamp(40px,6vw,68px);line-height:1.02;letter-spacing:-0.035em}
body.cf .cf-404 h1 em{font-family:var(--cf-serif);font-style:italic;font-weight:400;color:var(--cf-coral)}
body.cf .cf-404-search{margin:28px 0 22px;max-width:520px}
body.cf .cf-404-links{display:flex;flex-wrap:wrap;gap:8px;margin:0;padding:0;list-style:none}
body.cf .cf-404-links a{display:inline-flex;align-items:center;min-height:42px;padding:0 14px;border:1px solid var(--cf-line-3);border-radius:12px;color:var(--cf-text);text-decoration:none;font-weight:600}
body.cf .cf-404-links a:hover{background:var(--cf-raise);color:var(--cf-text)}

/* sitebot cards in the homepage latest block and listing pages */
body.cf .cf-latest{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:14px}
body.cf .cf-latest .guide-card,body.cf .guide-card{display:flex;flex-direction:column;gap:8px;padding:20px!important;border:1px solid var(--cf-line-2)!important;border-radius:16px!important;background:var(--cf-panel)!important;color:var(--cf-text)!important;text-decoration:none}
body.cf .guide-card:hover{border-color:var(--cf-line-3)!important;background:var(--cf-panel-2)!important}
body.cf .guide-card .icon:empty{display:none}
body.cf .guide-card h3{margin:0;font-size:18px;line-height:1.3;color:var(--cf-text)}
body.cf .guide-card p{margin:0;color:var(--cf-muted);font-size:15px}
body.cf .guide-card .read-time{margin-top:auto;color:var(--cf-mint);font-size:13px;font-weight:600}

/* ---------- calculator pages (new layout) ---------- */
body.cf .cf-lead{margin:18px 0 0;max-width:640px;font-size:19px;color:var(--cf-soft)}
body.cf .cf-calc-head{padding:28px 0 8px}
body.cf .cf-calc-head h1{margin:0;font-size:clamp(38px,5.4vw,64px);line-height:1.02;letter-spacing:-0.035em}
body.cf .cf-calc{display:flex;flex-wrap:wrap;gap:20px;align-items:flex-start;margin-top:28px}
body.cf .cf-calc-form{flex:1 1 420px;display:flex;flex-direction:column;gap:16px;padding:22px;border:1px solid var(--cf-line-2);border-radius:20px;background:var(--cf-panel);box-sizing:border-box}
body.cf .cf-calc-out{flex:1 1 360px;position:sticky;top:84px;padding:24px;border-radius:20px;background:var(--cf-cream);color:var(--cf-ink);box-sizing:border-box}
body.cf .cf-field{margin:0;padding:0;border:0;min-width:0}
body.cf .cf-field select{font-family:var(--cf-sans);font-size:16px;font-weight:500;appearance:auto}
body.cf .cf-pair{display:flex;gap:8px}
body.cf .cf-pair input{flex:1;min-width:0}
body.cf .cf-pair select{width:auto;flex:none}
body.cf .cf-fs .cf-seg{margin-top:0}
body.cf .cf-two{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:14px}
body.cf .cf-checks{display:flex;flex-wrap:wrap;gap:8px 22px}
body.cf .cf-checks label{display:inline-flex;align-items:center;gap:8px;min-height:40px;color:var(--cf-soft);font-size:15px;cursor:pointer}
body.cf .cf-checks input{width:18px;height:18px}
body.cf .cf-calc-out .cf-out-label{margin:0;font-size:14px;font-weight:600;color:#34413B}
body.cf .cf-calc-out .cf-live-big{color:var(--cf-ink);margin:0 0 14px}
body.cf .cf-calc-out .cf-live-big small{color:#34413B}
body.cf .cf-periods{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:8px}
body.cf .cf-periods div{padding:10px 12px;border-radius:12px;background:#fff}
body.cf .cf-periods span{display:block;font-size:12px;color:#34413B}
body.cf .cf-periods b{font-family:var(--cf-mono);font-size:17px;font-weight:600}
body.cf .cf-bar{display:flex;gap:2px;height:12px;margin:18px 0 8px;border-radius:999px;overflow:hidden;background:#fff}
body.cf .cf-bar div{height:100%}
body.cf .cf-calc-out .cf-bar div[style*="--cf-cream"]{background:#B9C7AE!important}
body.cf .cf-legend{display:flex;flex-wrap:wrap;gap:4px 14px;margin:0 0 12px;padding:0;list-style:none;font-size:13px;color:#34413B}
body.cf .cf-legend i{display:inline-block;width:10px;height:10px;margin-right:6px;border-radius:3px;outline:1px solid rgba(17,23,20,.25)}
body.cf .cf-calc-out .cf-rows li{border-top-color:rgba(17,23,20,.14);color:#24302A}
body.cf .cf-calc-out .cf-rows li span:last-child{color:var(--cf-ink)}
body.cf .cf-calc-out .cf-rows li.tot{color:var(--cf-ink)}
body.cf .cf-calc-out .cf-small{color:#34413B;margin:10px 0 0}
body.cf .cf-working{margin-top:40px;padding:24px;border:1px solid var(--cf-line-2);border-radius:20px;background:var(--cf-panel)}
body.cf .cf-working h2{margin:0 0 12px;font-size:26px}
body.cf .cf-steps{margin:0 0 14px;padding:0;list-style:none;counter-reset:s}
body.cf .cf-steps li{display:flex;justify-content:space-between;gap:16px;padding:12px 0;border-top:1px solid var(--cf-line);counter-increment:s}
body.cf .cf-steps li span:first-child::before{content:counter(s) ". ";color:var(--cf-muted)}
body.cf .cf-steps li span:last-child{font-family:var(--cf-mono);font-weight:500;color:var(--cf-text);white-space:nowrap}
body.cf .cf-steps li:last-child{font-weight:700}
body.cf .cf-article{max-width:780px;margin-top:48px}
body.cf .cf-article h2:first-child{margin-top:0}

/* all calculators directory */
body.cf .cf-dir{max-width:var(--cf-max);margin:0 auto;padding:48px clamp(16px,3vw,32px) 80px}
body.cf .cf-dir-head h1{margin:0;font-size:clamp(40px,6vw,72px);line-height:1.02;letter-spacing:-0.035em}
body.cf .cf-dir-head h1 em{font-family:var(--cf-serif);font-style:italic;font-weight:400;color:var(--cf-coral)}
body.cf .cf-dir-search{margin:26px 0 18px;max-width:520px}
body.cf .cf-dir-jump{display:flex;flex-wrap:wrap;gap:8px;margin:0 0 8px}
body.cf .cf-dir-jump a{display:inline-flex;align-items:center;min-height:40px;padding:0 14px;border:1px solid var(--cf-line-3);border-radius:999px;color:var(--cf-soft);text-decoration:none;font-size:14px;font-weight:600}
body.cf .cf-dir-jump a:hover{background:var(--cf-raise);color:var(--cf-text)}
body.cf .cf-dir-group{margin-top:44px;scroll-margin-top:84px}
body.cf .cf-dir-group h2{display:flex;align-items:baseline;gap:10px;margin:0 0 14px;font-size:26px}
body.cf .cf-dir-group h2 span{font-family:var(--cf-mono);font-size:14px;font-weight:500;color:var(--cf-mint)}
body.cf .cf-dir-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:10px;margin:0;padding:0;list-style:none}
body.cf .cf-dir-grid a{display:flex;flex-direction:column;gap:4px;height:100%;box-sizing:border-box;padding:16px 18px;border:1px solid var(--cf-line-2);border-radius:14px;background:var(--cf-panel);color:var(--cf-text);text-decoration:none}
body.cf .cf-dir-grid a:hover{border-color:var(--cf-line-3);background:var(--cf-panel-2);color:var(--cf-text)}
body.cf .cf-dir-grid b{font-size:16px;font-weight:700}
body.cf .cf-dir-grid span{font-size:14px;line-height:1.45;color:var(--cf-muted)}
body.cf main.calc-card{max-width:640px;margin:48px auto 72px!important;padding:28px!important;border-radius:20px!important;box-sizing:border-box}
@media (max-width:700px){body.cf main.calc-card{margin:24px 16px 56px!important;padding:20px!important}}
body.cf .cf-fx-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));column-gap:28px}
body.cf .cf-fx-grid li span:first-child::before{content:none}
body.cf .cf-fx-grid li:last-child{font-weight:400}
body.cf .cf-calc-form .cf-btn-ghost{align-self:flex-start}
body.cf .cf-guide-grid .card{display:flex;flex-direction:column;gap:6px;padding:18px 20px!important;border-radius:14px!important;text-decoration:none}
body.cf .cf-guide-grid h3{margin:0;font-size:16px;line-height:1.35;color:var(--cf-text)}
body.cf .cf-guide-grid p{margin:0;font-size:14px;line-height:1.45;color:var(--cf-muted)}
body.cf .cf-guide-grid .card:hover{background:var(--cf-panel-2)!important;border-color:var(--cf-line-3)!important}