:root {
  /* Color */
  --color-primary: #0b6b4b;
  --color-primary-soft: #e8f5ef;
  --color-text-primary: #17231d;
  --color-text-secondary: #66736c;
  --color-background: #f6f8f7;
  --color-surface: #ffffff;
  --color-surface-subtle: #fbfcfb;
  --color-border: #e3e9e6;
  --color-warning: #8a6214;
  --color-danger: #b42318;
  --color-danger-soft: #fffafa;
  --color-footer: #18231e;
  --color-footer-text: #b9c5bf;

  /* Shape and layout */
  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 20px;
  --shadow-surface: 0 8px 30px rgba(19, 43, 31, 0.06);
  --content-width: 1060px;
  --content-gutter: 48px;
  --control-height: 52px;
}

/* Base */
* { box-sizing: border-box; }
[hidden] { display: none !important; }
html { overflow-x: hidden; }
body {
  margin: 0;
  color: var(--color-text-primary);
  background: var(--color-background);
  font-family: -apple-system, BlinkMacSystemFont, "Pretendard", "Noto Sans KR", "Segoe UI", sans-serif;
  font-size: 16px;
  line-height: 1.6;
  word-break: keep-all;
  overflow-wrap: break-word;
}
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font: inherit; }
.container { width: min(100% - var(--content-gutter), var(--content-width)); margin-inline: auto; }

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  background: rgba(255,255,255,.96);
  border-bottom: 1px solid var(--color-border);
}
.nav { min-height: 68px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand { display: inline-flex; align-items: center; gap: 9px; flex: 0 0 auto; font-size: 20px; font-weight: 800; letter-spacing: -.04em; }
.brand-mark { display: block; width: 20px; height: 20px; flex: 0 0 auto; }
.nav nav { display: flex; align-items: center; gap: 24px; }
.nav nav a { color: var(--color-text-secondary); font-size: 14px; font-weight: 650; }
.nav nav a:hover { color: var(--color-primary); }
.language-switcher select,
.currency-switcher select { min-height: 34px; padding: 0 28px 0 10px; border: 1px solid var(--color-border); border-radius: var(--radius-sm); background: var(--color-surface); color: var(--color-text-secondary); font-size: 13px; font-weight: 650; cursor: pointer; }
.language-switcher select:focus,
.currency-switcher select:focus { border-color: var(--color-primary); }
.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; }
.breadcrumb { display: flex; gap: 8px; align-items: center; padding-bottom: 12px; color: var(--color-text-secondary); font-size: 12px; }
.breadcrumb a { color: var(--color-primary); }
.errors { margin-bottom: 12px; padding: 10px 14px; border-radius: var(--radius-sm); background: #fff1f0; color: var(--color-danger); font-size: 13px; }

/* Page introduction */
.eyebrow { margin: 0; color: var(--color-primary); font-size: 12px; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; }

/* Interactive controls */
button:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible, a:focus-visible { outline: 3px solid rgba(11,107,75,.22); outline-offset: 2px; }

/* Calculator form and result */
.panel { min-width: 0; padding: 30px; border-radius: var(--radius-lg); background: var(--color-surface); box-shadow: var(--shadow-surface); }
.form label { position: relative; display: block; margin-bottom: 22px; font-size: 14px; font-weight: 750; }
.form label em { margin-left: 6px; color: var(--color-text-secondary); font-size: 12px; font-style: normal; font-weight: 600; }
.form input,
.form select,
.form textarea {
  width: 100%;
  display: block;
  margin-top: 8px;
  padding: 0 58px 0 15px;
  border: 1px solid var(--color-border);
  border-radius: 10px;
  background: var(--color-surface-subtle);
  color: var(--color-text-primary);
  font-size: 16px;
  transition: border-color .15s, background .15s;
}
.form input,
.form select { height: var(--control-height); }
.form textarea { min-height: 180px; padding: 14px 15px; line-height: 1.65; resize: vertical; }
.form input:hover, .form select:hover, .form textarea:hover { border-color: #c6d2cc; }
.form input:focus, .form select:focus, .form textarea:focus { border-color: var(--color-primary); background: #fff; }
.form label > small:not(.amount-readable) { position: absolute; top: 43px; right: 16px; color: var(--color-text-secondary); font-size: 13px; font-weight: 500; }
.amount-readable { display: block; margin-top: 7px; color: var(--color-text-secondary); font-size: 12px; font-weight: 650; text-align: left; }
.amount-readable.is-valid { color: var(--color-primary); }
.form input.is-invalid,
.form select.is-invalid,
.form textarea.is-invalid { border-color: var(--color-danger); background: var(--color-danger-soft); }
.form input.is-invalid:focus,
.form select.is-invalid:focus,
.form textarea.is-invalid:focus { box-shadow: 0 0 0 4px rgba(180, 35, 24, .1); }
.input-error { display: none; margin-top: 7px; color: var(--color-danger); font-size: 12px; font-weight: 700; line-height: 1.45; }
.input-error.is-visible { display: block; }
.form .button { width: 100%; margin-top: 4px; }
.form-hint { margin: -12px 0 22px; color: var(--color-text-secondary); font-size: 12px; line-height: 1.55; }
.term-presets { display: flex; flex-wrap: wrap; gap: 7px; margin: -12px 0 22px; }
.term-presets button { min-height: 32px; padding: 0 11px; border: 1px solid var(--color-border); border-radius: var(--radius-sm); background: var(--color-surface); color: var(--color-text-secondary); font-size: 12px; font-weight: 700; cursor: pointer; }
.term-presets button:hover { border-color: #b8d7ca; background: var(--color-primary-soft); color: var(--color-primary); }

/* Shared validation feedback */
.validation-toast { position: fixed; z-index: 50; right: 24px; bottom: 24px; display: flex; align-items: center; gap: 11px; width: min(360px, calc(100vw - 32px)); padding: 15px 17px; border: 1px solid rgba(180, 35, 24, .16); border-radius: var(--radius-md); background: #fff; box-shadow: 0 14px 38px rgba(24, 35, 30, .18); color: var(--color-text-primary); opacity: 0; pointer-events: none; transform: translateY(14px); transition: opacity .18s ease, transform .18s ease; }
.validation-toast.is-visible { opacity: 1; transform: translateY(0); }
.validation-toast-mark { display: inline-flex; width: 22px; height: 22px; flex: 0 0 auto; align-items: center; justify-content: center; border-radius: 50%; background: var(--color-danger); color: #fff; font-size: 14px; font-weight: 800; }
.validation-toast p { margin: 0; font-size: 14px; font-weight: 700; line-height: 1.45; }

/* Yearly details and asset chart */
table { width: 100%; border-collapse: collapse; font-size: 14px; }
th, td { padding: 13px 10px; border-bottom: 1px solid var(--color-border); text-align: right; }
th { color: var(--color-text-secondary); font-size: 12px; font-weight: 700; }
th:first-child, td:first-child { text-align: left; }
.yearly { margin-top: 24px; }
.yearly h3 { margin-top: 0; }
.yearly-heading { display: flex; align-items: flex-start; justify-content: space-between; gap: 20px; margin-bottom: 18px; }
.yearly-heading .eyebrow { margin-bottom: 5px; }
.yearly-toggle { min-height: 36px; padding: 0 13px; border: 1px solid var(--color-border); border-radius: var(--radius-sm); background: var(--color-surface); color: var(--color-primary); font-size: 13px; font-weight: 750; cursor: pointer; }
.yearly-toggle:hover { border-color: var(--color-primary); background: var(--color-primary-soft); }
.loan-schedule-actions { display: flex; flex: 0 0 auto; flex-wrap: wrap; justify-content: flex-end; gap: 8px; }
.loan-schedule-download { min-height: 36px; padding: 0 13px; border: 1px solid var(--modern-border-strong); border-radius: var(--radius-sm); background: var(--modern-text); color: var(--modern-surface); font: inherit; font-size: 13px; font-weight: 750; cursor: pointer; }
.loan-schedule-download:hover { background: var(--modern-chart-primary); }
.yearly:not(.is-expanded) .is-collapsed { display: none; }
.yearly-collapsible:not(.is-expanded) table { display: none; }
.yearly-collapsible:not(.is-expanded) .yearly-heading { margin-bottom: 0; }

.asset-chart { margin-top: 24px; }
.chart-heading { display: flex; justify-content: space-between; align-items: flex-start; gap: 24px; }
.chart-heading h3 { margin: 6px 0 0; font-size: 21px; }
.chart-legend { display: flex; flex-wrap: wrap; gap: 14px; color: var(--color-text-secondary); font-size: 12px; }
.chart-legend span { display: flex; align-items: center; gap: 6px; }
.chart-legend i { width: 11px; height: 11px; display: inline-block; border-radius: 2px; }
.legend-principal, .bar-principal { background: var(--color-primary); }
.legend-interest, .bar-interest { background: #8bcbb2; }
.chart-bars { position: relative; height: 260px; display: flex; align-items: flex-end; gap: 9px; margin-top: 26px; padding: 0 4px; border-bottom: 1px solid var(--color-border); overflow-x: auto; }
.bar-column { flex: 1 1 0; min-width: 28px; height: 100%; display: flex; flex-direction: column; justify-content: flex-end; align-items: center; gap: 8px; }
.bar-area { position: relative; width: 100%; min-height: 0; flex: 1; display: flex; justify-content: center; align-items: stretch; }
.bar { width: min(100%, 52px); height: 100%; min-height: 2px; display: flex; flex-direction: column; justify-content: flex-end; overflow: hidden; border-radius: 3px 3px 0 0; }
.bar-principal, .bar-interest { display: block; }
.chart-tooltip { position: fixed; z-index: 100; top: var(--tooltip-top, -9999px); left: var(--tooltip-left, -9999px); display: none; width: 168px; padding: 12px; border: 1px solid var(--color-border); border-radius: 10px; background: var(--color-text-primary); color: #fff; box-shadow: var(--shadow-surface); font-size: 11px; line-height: 1.55; pointer-events: none; }
.chart-tooltip::after { content: ""; position: absolute; top: 50%; left: -6px; width: 10px; height: 10px; transform: translateY(-50%) rotate(45deg); background: var(--color-text-primary); }
.bar-column[data-tooltip-direction="left"] .chart-tooltip::after { right: -6px; left: auto; }
.bar-column[data-tooltip-direction="center"] .chart-tooltip::after { display: none; }
.chart-tooltip strong, .chart-tooltip span { position: relative; z-index: 1; display: block; }
.chart-tooltip strong { margin-bottom: 5px; color: #fff; font-size: 12px; }
.chart-tooltip b { float: right; color: #bfe6d5; font-weight: 700; }
.bar-column[data-tooltip-active] .chart-tooltip { display: block; }
.chart-bars[data-chart-dragging] .chart-tooltip,
.dividend-chart-bars[data-chart-dragging] .chart-tooltip { display: none !important; }
.bar-column small { color: var(--color-text-secondary); font-size: 10px; white-space: nowrap; }
.chart-note { margin: 16px 0 0; color: var(--color-text-secondary); font-size: 12px; }

.dividend-chart-plot { position: relative; height: 270px; margin-top: 26px; }
.dividend-chart-bars { position: relative; z-index: 2; height: 100%; display: flex; align-items: flex-end; gap: 9px; padding: 0 4px; border-bottom: 1px solid var(--color-border); overflow-x: auto; }
.dividend-chart-bars .bar-area { align-items: flex-end; }
.dividend-bar { width: min(100%, 52px); min-height: 2px; border-radius: 3px 3px 0 0; background: #8bcbb2; cursor: help; }
.dividend-bar:focus-visible { outline: 3px solid var(--color-primary-soft); outline-offset: 2px; }
.dividend-goal-line { position: absolute; z-index: 1; right: 0; bottom: var(--goal-height); left: 0; border-top: 1px dashed var(--color-warning); pointer-events: none; }
.goal-legend { width: 14px; height: 0; margin-right: -10px; border-top: 1px dashed var(--color-warning); }

/* Footer */
.site-footer { padding: 44px 0 32px; background: var(--color-footer); color: var(--color-footer-text); font-size: 13px; }
.footer-inner { display: flex; flex-direction: column; gap: 18px; }
.footer-heading { margin: 0; color: #fff; font-weight: 750; }
.footer-links { display: flex; flex-wrap: wrap; gap: 10px 20px; }
.footer-links a { color: #d4ddd8; }
.footer-links a:hover { color: #fff; }
.footer-copy { display: flex; justify-content: space-between; gap: 20px; padding-top: 20px; border-top: 1px solid rgba(255,255,255,.1); }

/* Responsive */
@media (max-width: 700px) {
  :root { --content-gutter: 32px; }
  .site-header { position: static; }
  .nav { min-height: 62px; }
  .brand { font-size: 18px; }
  .brand-mark { width: 18px; height: 18px; }
  .nav nav { gap: 16px; }
  .language-switcher select,
  .currency-switcher select { min-height: 44px; padding-left: 8px; }
  .panel { padding: 22px 18px; border-radius: var(--radius-md); }
  .form input, .form select { height: 54px; }
  .yearly-heading { flex-wrap: wrap; align-items: center; margin-bottom: 14px; }
  .yearly-toggle { min-height: 44px; flex: 0 0 auto; }
  .loan-schedule-actions { display: grid; width: 100%; grid-template-columns: 1fr; }
  .loan-schedule-actions .yearly-toggle,
  .loan-schedule-download { width: 100%; min-height: 44px; }
  .yearly table, .yearly tbody { display: block; }
  .yearly thead { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
  .yearly tbody tr { display: block; margin-top: 12px; padding: 13px 0; border-top: 1px solid var(--color-border); }
  .yearly tbody tr:first-child { margin-top: 0; }
  .yearly tbody td { display: flex; justify-content: space-between; gap: 16px; padding: 5px 0; border: 0; text-align: right; }
  .yearly tbody td::before { content: attr(data-label); color: var(--color-text-secondary); font-size: 13px; text-align: left; }
  .yearly tbody td:first-child { padding-bottom: 8px; color: var(--color-primary); font-weight: 800; }
  .yearly tbody td:first-child::before { color: inherit; }
  .chart-heading { flex-direction: column; gap: 12px; }
  .chart-bars { height: 220px; gap: 3px; }
  .dividend-chart-plot { height: 230px; }
  .dividend-chart-bars { gap: 3px; }
  .bar-column { min-width: 20px; }
  .chart-bars:has(.bar-column:nth-child(9)) .bar-column:nth-child(even) small,
  .dividend-chart-bars:has(.bar-column:nth-child(9)) .bar-column:nth-child(even) small { visibility: hidden; }
  .validation-toast { right: 50%; bottom: 18px; transform: translate(50%, 14px); }
  .validation-toast.is-visible { transform: translate(50%, 0); }
  .footer-copy { flex-direction: column; gap: 6px; }
}

@media (max-width: 390px) {
  :root { --content-gutter: 24px; }
  .nav nav { gap: 12px; }
  .nav nav a { font-size: 13px; }
}

/* Neutral service UI: approved homepage and compound-calculator direction */
.modern-shell {
  --modern-bg: #f5f5f3;
  --modern-surface: #fff;
  --modern-text: #171717;
  --modern-muted: #6e6e69;
  --modern-border: #dcdcd7;
  --modern-border-strong: #b9b9b2;
  --modern-soft: #eeeeeb;
  --modern-positive: #49715f;
  --modern-positive-soft: #e6eee9;
  --modern-warning: #8a8070;
  --modern-warning-soft: #f7f4ed;
  --modern-danger: #8b493e;
  --modern-danger-soft: #f4ece9;
  --modern-chart-primary: #353535;
  --modern-chart-secondary: #aaa9a3;
  --modern-focus-ring: rgba(23,23,23,.08);
  --modern-elevation: 0 10px 26px rgba(0,0,0,.14);
  --modern-radius: 10px;
  --content-width: 1120px;
  color: var(--modern-text);
  background: var(--modern-bg);
  letter-spacing: -.012em;
}
.modern-shell[data-locale="en"] { word-break: normal; }
.modern-shell .site-header {
  z-index: 30;
  border-bottom-color: var(--modern-border);
  background: rgba(255,255,255,.96);
  backdrop-filter: blur(12px);
}
.modern-shell .nav { display: grid; grid-template-columns: minmax(0, 1fr) auto minmax(0, 1fr); min-height: 68px; }
.modern-shell .brand { grid-column: 1; justify-self: start; font-size: 17px; letter-spacing: -.04em; }
.modern-shell .nav nav { grid-column: 2; gap: 30px; }
.modern-shell .nav nav a { color: var(--modern-text); font-size: 14px; }
.modern-shell .nav nav a:hover { color: var(--modern-muted); }
.calculator-menu { position: relative; }
.calculator-menu > summary { position: relative; display: inline-flex; align-items: center; gap: 7px; min-height: 68px; color: var(--modern-text); font-size: 14px; font-weight: 600; cursor: pointer; list-style: none; }
.calculator-menu > summary::-webkit-details-marker,
.calculator-menu-group > summary::-webkit-details-marker { display: none; }
.calculator-menu > summary b { display: none; }
.calculator-menu[open] > summary::after { position: absolute; right: 0; bottom: 0; left: 0; height: 2px; background: var(--modern-positive); content: ""; }
.calculator-menu-panel { position: absolute; z-index: 40; top: 100%; left: 50%; width: min(1080px, calc(100vw - 32px)); padding: 34px 40px 18px; border: 1px solid rgba(23,23,23,.12); border-radius: 0 0 14px 14px; background: rgba(255,255,255,.98); box-shadow: 0 18px 48px rgba(23,23,23,.12); transform: translateX(-50%); }
.calculator-menu-mobile-heading { display: none; }
.calculator-menu-groups { display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); gap: 28px 32px; padding: 0 0 28px; }
.calculator-menu-group { min-width: 0; }
.calculator-menu-group > summary { display: flex; align-items: center; justify-content: space-between; gap: 8px; padding-bottom: 12px; border-bottom: 1px solid rgba(23,23,23,.12); color: var(--modern-text); font-size: 13px; font-weight: 650; letter-spacing: -.02em; list-style: none; cursor: pointer; }
.calculator-menu-group > summary b { display: none; }
.calculator-menu-group > div { display: grid; gap: 3px; margin-top: 12px; }
.modern-shell .calculator-menu-group a { display: block; padding: 3px 0; color: #3f3f3b; font-size: 12px; font-weight: 500; line-height: 1.55; }
.modern-shell .calculator-menu-group a:hover { color: var(--modern-text); text-decoration: underline; text-underline-offset: 3px; }
.modern-shell .calculator-menu-all { display: flex; align-items: center; justify-content: center; gap: 10px; min-height: 42px; border: 1px solid rgba(23,23,23,.22); border-radius: 8px; color: var(--modern-text); font-size: 12px; font-weight: 600; }
.modern-shell .calculator-menu-all:hover { border-color: rgba(23,23,23,.42); background: #f7f7f5; color: var(--modern-text); }
.calculator-menu-all b { font-size: 16px; font-weight: 400; }
.calculator-menu-footer { display: grid; grid-template-columns: 1fr auto 1fr; align-items: center; gap: 18px; }
.calculator-menu-footer .language-switcher { display: inline-flex; align-items: center; gap: 9px; justify-self: start; color: var(--modern-muted); font-size: 11px; font-weight: 500; }
.calculator-menu-footer .language-switcher select { min-height: 36px; padding-right: 26px; font-size: 11px; }
.calculator-menu-footer .calculator-menu-all { grid-column: 2; min-width: 208px; }
@media (min-width: 701px) and (max-width: 1000px) {
  .calculator-menu-panel { width: min(760px, calc(100vw - 32px)); }
  .calculator-menu-groups { grid-template-columns: repeat(3, minmax(0, 1fr)); }
}
.modern-shell .language-switcher select,
.modern-shell .currency-switcher select {
  min-height: 36px;
  padding-left: 10px;
  border-color: var(--modern-border);
  border-radius: 6px;
  color: var(--modern-text);
}
.modern-shell .language-switcher select:focus,
.modern-shell .currency-switcher select:focus { border-color: var(--modern-text); }
.calculator-display-settings { display: flex; align-items: center; justify-content: space-between; gap: 12px; margin: 0 0 12px; padding: 14px 0 0; border-top: 1px solid var(--modern-border); color: var(--modern-muted); font-size: 11px; font-weight: 550; }
.modern-calculator-form .calculator-display-settings .currency-switcher { display: inline-flex; margin-bottom: 0; }
.modern-calculator-form .calculator-display-settings .currency-switcher select { height: 32px; min-height: 32px; margin-top: 0; padding-right: 26px; background: var(--modern-surface); font-size: 11px; }
.modern-shell .breadcrumb { min-height: 40px; padding-bottom: 0; border-top: 1px solid #f0f0ed; }
.modern-shell .breadcrumb a { color: var(--modern-muted); }
.modern-shell .errors {
  margin-top: 12px;
  border: 1px solid rgba(180,35,24,.14);
  border-radius: 6px;
  background: #fff8f7;
}
.modern-shell .button:focus-visible,
.modern-shell input:focus-visible,
.modern-shell select:focus-visible,
.modern-shell a:focus-visible {
  outline-color: rgba(23,23,23,.2);
}
.modern-section-label { margin: 0 0 14px; color: var(--modern-muted); font-size: 13px; font-weight: 750; }
.modern-primary-action,
.modern-calculate-button {
  min-height: 48px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0 22px;
  border: 1px solid var(--modern-text);
  border-radius: 7px;
  background: var(--modern-text);
  color: #fff;
  font-weight: 750;
  cursor: pointer;
}
.modern-primary-action:hover,
.modern-calculate-button:hover { background: var(--modern-chart-primary); }
.modern-primary-action:disabled,
.modern-calculate-button:disabled { border-color: var(--modern-border-strong); background: var(--modern-border-strong); cursor: not-allowed; }

/* Homepage */
.modern-home-hero {
  min-height: 570px;
  display: grid;
  grid-template-columns: minmax(0,.92fr) minmax(420px,1.08fr);
  gap: 90px;
  align-items: center;
  padding-top: 80px;
  padding-bottom: 80px;
}
.modern-hero-copy h1 {
  margin: 0;
  font-size: clamp(44px,5.4vw,70px);
  line-height: 1.08;
  letter-spacing: -.065em;
}
.modern-hero-copy > p:not(.modern-section-label) {
  max-width: 510px;
  margin: 26px 0 0;
  color: var(--modern-muted);
  font-size: 18px;
  line-height: 1.75;
}
.modern-hero-actions { display: flex; align-items: center; gap: 26px; margin-top: 36px; }
.modern-text-action { font-size: 14px; font-weight: 700; }
.modern-text-action span,
.modern-section-heading > a span { margin-left: 8px; }
.modern-hero-summary {
  min-width: 0;
  padding: 34px 36px 24px;
  border: 1px solid var(--modern-border);
  border-radius: var(--modern-radius);
  background: var(--modern-surface);
}
.modern-hero-summary > p { margin: 0; color: var(--modern-muted); font-size: 14px; }
.modern-hero-summary > strong {
  display: block;
  margin-top: 9px;
  font-size: clamp(31px,4vw,48px);
  line-height: 1.15;
  letter-spacing: -.055em;
  font-variant-numeric: tabular-nums;
  overflow-wrap: anywhere;
}
.modern-hero-summary dl { display: grid; grid-template-columns: repeat(3,1fr); margin: 32px 0 0; padding: 22px 0; border-top: 1px solid var(--modern-border); }
.modern-hero-summary dl div + div { padding-left: 20px; border-left: 1px solid var(--modern-border); }
.modern-hero-summary dt { color: var(--modern-muted); font-size: 12px; }
.modern-hero-summary dd { margin: 8px 0 0; font-size: 14px; font-weight: 750; font-variant-numeric: tabular-nums; }
.modern-summary-chart { height: 112px; display: flex; align-items: flex-end; gap: 7px; padding-top: 18px; border-top: 1px solid var(--modern-border); }
.modern-summary-chart i { min-height: 2px; flex: 1; display: block; background: var(--modern-text); }
.modern-hero-summary > small { display: block; margin-top: 12px; color: var(--modern-muted); font-size: 11px; }
.modern-tool-directory { padding: 86px 0; border-top: 1px solid var(--modern-border); border-bottom: 1px solid var(--modern-border); background: var(--modern-surface); }
.modern-section-heading { display: flex; align-items: end; justify-content: space-between; gap: 30px; }
.modern-section-heading h2,
.modern-standards-grid h2,
.modern-calculator-intro h1,
.modern-guidance-grid h2 {
  margin: 0;
  font-size: clamp(30px,4vw,46px);
  line-height: 1.18;
  letter-spacing: -.055em;
}
.modern-section-heading > a { padding-bottom: 4px; color: var(--modern-muted); font-size: 14px; font-weight: 700; }
.modern-tool-list { display: grid; grid-template-columns: 1fr 1fr; margin-top: 40px; border-top: 1px solid var(--modern-text); }
.modern-tool-list a {
  min-width: 0;
  display: grid;
  grid-template-columns: 36px 1fr auto;
  gap: 16px;
  align-items: start;
  padding: 24px 4px 24px 0;
  border-bottom: 1px solid var(--modern-border);
}
.modern-tool-list a:nth-child(odd) { padding-right: 28px; }
.modern-tool-list a:nth-child(even) { padding-left: 28px; border-left: 1px solid var(--modern-border); }
.modern-tool-list a:hover strong { text-decoration: underline; text-underline-offset: 4px; }
.modern-tool-number { padding-top: 2px; color: var(--modern-muted); font-size: 12px; font-variant-numeric: tabular-nums; }
.modern-tool-list strong { display: block; font-size: 18px; letter-spacing: -.035em; }
.modern-tool-list small { display: block; margin-top: 7px; color: var(--modern-muted); font-size: 13px; line-height: 1.55; }
.modern-tool-list b { font-size: 18px; font-weight: 500; }
.modern-home-standards,
.modern-calculator-guidance { padding: 100px 0; background: var(--modern-surface); }
.modern-standards-grid,
.modern-guidance-grid { display: grid; grid-template-columns: .8fr 1.2fr; gap: 110px; }
.modern-standards-list,
.modern-guidance-list { border-top: 1px solid var(--modern-text); }
.modern-standards-list article,
.modern-guidance-list article { display: grid; grid-template-columns: 40px 1fr; gap: 18px; padding: 26px 0; border-bottom: 1px solid var(--modern-border); }
.modern-standards-list article > span,
.modern-guidance-list article > span { color: var(--modern-muted); font-size: 12px; }
.modern-standards-list h3,
.modern-guidance-list h3 { margin: 0; font-size: 18px; }
.modern-standards-list p,
.modern-guidance-list p { margin: 8px 0 0; color: var(--modern-muted); font-size: 14px; line-height: 1.7; }

/* Calculator directory */
.modern-tools-intro { padding-top: 92px; padding-bottom: 78px; }
.modern-tools-intro h1 {
  margin: 0;
  font-size: clamp(42px,5.3vw,62px);
  line-height: 1.12;
  letter-spacing: -.06em;
}
.modern-tools-intro > p:last-child { max-width: 650px; margin: 24px 0 0; color: var(--modern-muted); font-size: 17px; line-height: 1.75; }
.modern-tools-catalog { padding: 20px 0 96px; border-top: 1px solid var(--modern-border); background: var(--modern-surface); }
.modern-tools-group { display: grid; grid-template-columns: minmax(240px,.72fr) minmax(0,1.28fr); gap: 72px; padding: 56px 0; border-bottom: 1px solid var(--modern-border); }
.modern-tools-group header { display: grid; grid-template-columns: 34px 1fr; gap: 14px; align-content: start; }
.modern-tools-group header > span { padding-top: 3px; color: var(--modern-muted); font-size: 12px; font-variant-numeric: tabular-nums; }
.modern-tools-group h2 { margin: 0; font-size: 26px; line-height: 1.3; letter-spacing: -.045em; }
.modern-tools-group header p { margin: 12px 0 0; color: var(--modern-muted); font-size: 13px; line-height: 1.7; }
.modern-tools-group-list { border-top: 1px solid var(--modern-text); }
.modern-tools-group-list a { min-width: 0; display: flex; align-items: flex-start; justify-content: space-between; gap: 24px; padding: 22px 0; border-bottom: 1px solid var(--modern-border); }
.modern-tools-group-list a:last-child { border-bottom: 0; }
.modern-tools-group-list a:hover strong { text-decoration: underline; text-underline-offset: 4px; }
.modern-tools-group-list strong { display: block; font-size: 18px; letter-spacing: -.03em; }
.modern-tools-group-list small { display: block; margin-top: 7px; color: var(--modern-muted); font-size: 13px; line-height: 1.55; }
.modern-tools-group-list b { flex: 0 0 auto; font-size: 18px; font-weight: 500; }

/* Modern calculator pages */
.modern-calculator-intro { padding-top: 92px; padding-bottom: 48px; }
.modern-calculator-intro h1 { font-size: clamp(40px,5.3vw,62px); }
.modern-calculator-intro > p:last-child { max-width: 650px; margin: 22px 0 0; color: var(--modern-muted); font-size: 16px; line-height: 1.75; }
.modern-calculator-area { padding-bottom: 96px; }
.modern-calculator-workspace {
  display: grid;
  grid-template-columns: minmax(300px,.75fr) minmax(0,1.55fr);
  border: 1px solid var(--modern-border-strong);
  border-radius: var(--modern-radius);
  background: var(--modern-surface);
  overflow: hidden;
}
.modern-calculator-workspace.modern-workspace--input-only { width: min(100%,420px); grid-template-columns: minmax(0,420px); }
.modern-calculator-form { min-width: 0; padding: 32px; border-right: 1px solid var(--modern-border); }
.modern-calculator-output { display: flex; min-width: 0; flex-direction: column; }
.modern-workspace--input-only .modern-calculator-form { border-right: 0; }
.modern-form-heading { display: flex; align-items: center; justify-content: space-between; margin-bottom: 30px; }
.modern-form-heading h2 { margin: 0; font-size: 18px; }
.modern-form-heading a { color: var(--modern-muted); font-size: 12px; }
.modern-calculator-form label { margin-bottom: 23px; color: var(--modern-chart-primary); font-size: 13px; }
.modern-calculator-form input,
.modern-calculator-form select,
.modern-calculator-form textarea {
  height: 52px;
  margin-top: 9px;
  border-color: var(--modern-border);
  border-radius: 6px;
  background: #fff;
  color: var(--modern-text);
  font-size: 17px;
  font-weight: 700;
  font-variant-numeric: tabular-nums;
}
.modern-calculator-form input:hover,
.modern-calculator-form select:hover,
.modern-calculator-form textarea:hover { border-color: var(--modern-border-strong); }
.modern-calculator-form input:focus,
.modern-calculator-form select:focus,
.modern-calculator-form textarea:focus { border-color: var(--modern-text); box-shadow: 0 0 0 3px var(--modern-focus-ring); }
.modern-calculator-form textarea { height: auto; min-height: 180px; padding: 14px 15px; line-height: 1.65; resize: vertical; }
.modern-calculator-form label > small:not(.amount-readable) { top: 43px; color: var(--modern-muted); }
.modern-calculator-form .amount-readable { color: var(--modern-muted); }
.modern-calculator-form .amount-readable.is-valid { color: var(--modern-text); }
.modern-calculator-form .input-error { color: var(--color-danger); }
.modern-calculator-form .term-presets { margin-top: -13px; margin-bottom: 23px; }
.modern-calculator-form .term-presets button {
  min-height: 34px;
  border-color: var(--modern-border);
  border-radius: 5px;
  background: #fff;
  color: var(--modern-muted);
}
.modern-calculator-form .term-presets button:hover {
  border-color: var(--modern-text);
  background: var(--modern-soft);
  color: var(--modern-text);
}
.modern-calculator-form .form-hint { margin-top: -14px; color: var(--modern-muted); font-size: 11px; line-height: 1.55; }
.modern-form-section { min-width: 0; margin: 0; padding: 0; border: 0; }
.modern-form-section + .modern-form-section { margin-top: 30px; padding-top: 27px; border-top: 1px solid var(--modern-border); }
.modern-form-section legend { display: flex; align-items: center; gap: 9px; margin: 0; padding: 0; color: var(--modern-text); font-size: 14px; }
.modern-form-section legend span { color: var(--modern-muted); font-size: 11px; font-variant-numeric: tabular-nums; }
.modern-form-section legend strong { font-size: 15px; }
.modern-form-section > p:not(.form-hint) { margin: 8px 0 21px; color: var(--modern-muted); font-size: 11px; line-height: 1.55; }
.modern-form-section > label:last-child { margin-bottom: 0; }
.modern-calculate-button { width: 100%; margin-top: 7px; }
.modern-form-note { margin: 12px 0 0; color: var(--modern-muted); font-size: 11px; line-height: 1.5; }
.modern-calculator-result { min-width: 0; padding: 38px 40px 30px; scroll-margin-top: 110px; }
.modern-result-actions { display: flex; flex: 0 0 auto; flex-direction: column; align-items: flex-end; gap: 10px; }
.modern-result-follow-up { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 24px; }
.modern-result-adjust,
.modern-result-follow-up-next { min-height: 42px; padding: 0 14px; border-radius: 7px; font: inherit; font-size: 13px; font-weight: 700; }
.modern-result-adjust { margin-top: 20px; border: 1px solid var(--modern-border-strong); background: transparent; color: var(--modern-text); cursor: pointer; }
.modern-result-follow-up-next { display: inline-flex; align-items: center; border: 1px solid var(--modern-text); background: var(--modern-text); color: var(--modern-surface); text-decoration: none; }
.modern-result-adjust:hover,
.modern-result-adjust:focus-visible { border-color: var(--modern-text); background: var(--modern-surface-muted); }
.modern-result-follow-up-next:hover,
.modern-result-follow-up-next:focus-visible { background: var(--modern-chart-primary); }
.has-inline-result-actions .modern-next-step { display: none; }
.modern-calculation-share { display: flex; flex-direction: column; align-items: flex-end; gap: 6px; }
.modern-share-button { min-height: 38px; padding: 0 14px; border: 1px solid var(--modern-border-strong); border-radius: 7px; background: transparent; color: var(--modern-text); font: inherit; font-size: 12px; font-weight: 700; cursor: pointer; }
.modern-share-button:hover, .modern-share-button:focus-visible { border-color: var(--modern-text); background: var(--modern-surface-muted); }
.modern-share-status, .modern-share-input-error { margin: 0; font-size: 12px; line-height: 1.5; }
.modern-share-status { color: var(--modern-muted); }
.modern-share-input-error { margin-bottom: 16px; color: var(--color-danger); }
.modern-result-primary { display: flex; align-items: start; justify-content: space-between; gap: 24px; }
.modern-result-primary p { margin: 0; color: var(--modern-muted); font-size: 13px; font-weight: 700; }
.modern-result-primary h2 {
  margin: 9px 0 0;
  font-size: clamp(34px,4.4vw,54px);
  line-height: 1.12;
  letter-spacing: -.06em;
  font-variant-numeric: tabular-nums;
  overflow-wrap: anywhere;
}
.modern-result-status { flex: 0 0 auto; padding: 6px 9px; border-radius: 5px; background: var(--modern-positive-soft); color: var(--modern-positive); font-size: 12px; font-weight: 750; }
.modern-result-status.is-neutral { background: var(--modern-soft); color: var(--modern-muted); }
.modern-result-stats { display: grid; grid-template-columns: repeat(3,1fr); margin: 34px 0 0; padding: 22px 0; border-top: 1px solid var(--modern-border); border-bottom: 1px solid var(--modern-border); }
.modern-result-stats div + div { padding-left: 22px; border-left: 1px solid var(--modern-border); }
.modern-result-stats dt { color: var(--modern-muted); font-size: 12px; }
.modern-result-stats dd { margin: 7px 0 0; font-size: 15px; font-weight: 750; font-variant-numeric: tabular-nums; overflow-wrap: anywhere; }
.modern-result-breakdown { display: grid; grid-template-columns: repeat(2,minmax(0,1fr)); margin: 20px 0 0; }
.modern-result-breakdown div { display: flex; align-items: center; justify-content: space-between; gap: 18px; padding: 11px 0; border-bottom: 1px solid var(--modern-border); }
.modern-result-breakdown div:nth-child(odd) { padding-right: 20px; }
.modern-result-breakdown div:nth-child(even) { padding-left: 20px; border-left: 1px solid var(--modern-border); }
.modern-result-breakdown dt { color: var(--modern-muted); font-size: 11px; }
.modern-result-breakdown dd { margin: 0; font-size: 12px; font-weight: 750; text-align: right; font-variant-numeric: tabular-nums; overflow-wrap: anywhere; }
.loan-term-presets { gap: 6px; }
.loan-term-presets button { flex: 1 1 calc(33.333% - 6px); }
.loan-term-control { display: grid; grid-template-columns: minmax(0, 1fr) 96px; gap: 8px; margin-top: 8px; }
.modern-calculator-form .loan-term-control input,
.modern-calculator-form .loan-term-control select { min-width: 0; margin-top: 0; padding-right: 14px; }
.loan-chart-bars .bar-area { align-items: flex-end; }
.loan-bar { position: relative; width: 100%; height: 100%; display: flex; align-items: flex-end; justify-content: center; gap: 2px; cursor: pointer; }
.loan-bar > span { width: calc(50% - 1px); min-height: 2px; border-radius: 3px 3px 0 0; transition: opacity .18s ease; }
.loan-balance-bar { background: var(--modern-chart-primary); }
.loan-interest-bar { background: var(--modern-chart-secondary); }
.legend-loan-balance { background: var(--modern-chart-primary); }
.legend-loan-interest { background: var(--modern-chart-secondary); }
.loan-bar:hover > span,
.loan-bar:focus > span { opacity: .76; }
.loan-schedule-scroll { overflow-x: auto; }
.loan-schedule table { min-width: 830px; }
.loan-schedule td { font-variant-numeric: tabular-nums; }
.loan-schedule td:first-child { white-space: nowrap; }
.loan-grace-badge { display: inline-block; margin-left: 7px; padding: 2px 5px; border-radius: 4px; background: var(--modern-soft); color: var(--modern-muted); font-size: 10px; font-weight: 750; vertical-align: 1px; }
.loan-seo-comparisons { padding-top: 84px; padding-bottom: 84px; }
.loan-seo-comparisons-heading { max-width: 760px; }
.loan-seo-comparisons-heading h2 { margin: 12px 0 0; font-size: clamp(30px,4vw,42px); line-height: 1.24; letter-spacing: -.05em; }
.loan-seo-comparisons-heading > p:last-child { margin: 16px 0 0; color: var(--modern-muted); font-size: 14px; line-height: 1.75; }
.loan-comparison-sections { margin-top: 42px; border-top: 1px solid var(--modern-text); }
.loan-comparison-section { padding: 28px 0 32px; border-bottom: 1px solid var(--modern-border); }
.loan-comparison-section > div:first-child { display: flex; align-items: baseline; justify-content: space-between; gap: 20px; }
.loan-comparison-section h3 { margin: 0; font-size: 19px; letter-spacing: -.03em; }
.loan-comparison-section > div:first-child p { margin: 0; color: var(--modern-muted); font-size: 12px; text-align: right; }
.loan-comparison-grid { display: grid; gap: 0; margin-top: 18px; border-top: 1px solid var(--modern-border); }
.loan-comparison-grid dl { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); margin: 0; padding: 14px 0; border-bottom: 1px solid var(--modern-border); }
.loan-comparison-grid dl > div { min-width: 0; padding: 0 18px; }
.loan-comparison-grid dl > div:first-child { padding-left: 0; }
.loan-comparison-grid dl > div + div { border-left: 1px solid var(--modern-border); }
.loan-comparison-grid dt { color: var(--modern-muted); font-size: 11px; }
.loan-comparison-grid dd { margin: 6px 0 0; color: var(--modern-text); font-size: 14px; font-weight: 750; font-variant-numeric: tabular-nums; overflow-wrap: anywhere; }
.compound-seo-comparisons { padding-top: 84px; padding-bottom: 84px; }
.compound-seo-comparisons-heading { max-width: 760px; }
.compound-seo-comparisons-heading h2 { margin: 12px 0 0; font-size: clamp(30px,4vw,42px); line-height: 1.24; letter-spacing: -.05em; }
.compound-seo-comparisons-heading > p:last-child { margin: 16px 0 0; color: var(--modern-muted); font-size: 14px; line-height: 1.75; }
.compound-comparison-sections { margin-top: 42px; border-top: 1px solid var(--modern-text); }
.compound-comparison-section { padding: 28px 0 32px; border-bottom: 1px solid var(--modern-border); }
.compound-comparison-section > div:first-child { display: flex; align-items: baseline; justify-content: space-between; gap: 20px; }
.compound-comparison-section h3 { margin: 0; font-size: 19px; letter-spacing: -.03em; }
.compound-comparison-section > div:first-child p { margin: 0; color: var(--modern-muted); font-size: 12px; text-align: right; }
.compound-comparison-grid { display: grid; gap: 0; margin-top: 18px; border-top: 1px solid var(--modern-border); }
.compound-comparison-grid dl { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); margin: 0; padding: 14px 0; border-bottom: 1px solid var(--modern-border); }
.compound-comparison-grid dl > div { min-width: 0; padding: 0 18px; }
.compound-comparison-grid dl > div:first-child { padding-left: 0; }
.compound-comparison-grid dl > div + div { border-left: 1px solid var(--modern-border); }
.compound-comparison-grid dt, .compound-simple-comparison-grid dt { color: var(--modern-muted); font-size: 11px; }
.compound-comparison-grid dd, .compound-simple-comparison-grid dd { margin: 6px 0 0; color: var(--modern-text); font-size: 14px; font-weight: 750; font-variant-numeric: tabular-nums; overflow-wrap: anywhere; }
.compound-simple-comparison-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px; margin-top: 18px; }
.compound-simple-comparison-grid dl { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0; margin: 0; padding: 17px 18px; border: 1px solid var(--modern-border); border-radius: 7px; background: var(--modern-surface); }
.compound-simple-comparison-grid dl > div { padding: 9px 0; }
.compound-simple-comparison-grid dl > div:nth-child(even) { text-align: right; }
.compound-comparison-reading { margin: 16px 0 0; color: var(--modern-muted); font-size: 12px; line-height: 1.7; }
.installment-seo-comparisons { padding-top: 84px; padding-bottom: 84px; }
.installment-seo-comparisons-heading { max-width: 760px; }
.installment-seo-comparisons-heading h2 { margin: 12px 0 0; font-size: clamp(30px,4vw,42px); line-height: 1.24; letter-spacing: -.05em; }
.installment-seo-comparisons-heading > p { margin: 16px 0 0; color: var(--modern-muted); font-size: 14px; line-height: 1.75; }
.installment-seo-comparisons-heading > p + p { margin-top: 8px; }
.installment-comparison-sections { margin-top: 42px; border-top: 1px solid var(--modern-text); }
.installment-comparison-section { padding: 28px 0 32px; border-bottom: 1px solid var(--modern-border); }
.installment-comparison-section > div:first-child { display: flex; align-items: baseline; justify-content: space-between; gap: 20px; }
.installment-comparison-section h3 { margin: 0; font-size: 19px; letter-spacing: -.03em; }
.installment-comparison-section > div:first-child p { margin: 0; color: var(--modern-muted); font-size: 12px; text-align: right; }
.installment-comparison-grid { display: grid; gap: 0; margin-top: 18px; border-top: 1px solid var(--modern-border); }
.installment-comparison-grid dl { display: grid; grid-template-columns: repeat(6, minmax(0, 1fr)); margin: 0; padding: 14px 0; border-bottom: 1px solid var(--modern-border); }
.installment-comparison-grid dl > div { min-width: 0; padding: 0 12px; }
.installment-comparison-grid dl > div:first-child { padding-left: 0; }
.installment-comparison-grid dl > div + div { border-left: 1px solid var(--modern-border); }
.installment-comparison-grid dt { color: var(--modern-muted); font-size: 11px; }
.installment-comparison-grid dd { margin: 6px 0 0; color: var(--modern-text); font-size: 13px; font-weight: 750; font-variant-numeric: tabular-nums; overflow-wrap: anywhere; }
.deposit-seo-comparisons { padding-top: 84px; padding-bottom: 84px; }
.deposit-seo-comparisons-heading { max-width: 760px; }
.deposit-seo-comparisons-heading h2 { margin: 12px 0 0; font-size: clamp(30px,4vw,42px); line-height: 1.24; letter-spacing: -.05em; }
.deposit-seo-comparisons-heading > p { margin: 16px 0 0; color: var(--modern-muted); font-size: 14px; line-height: 1.75; }
.deposit-seo-comparisons-heading > p + p { margin-top: 8px; }
.deposit-comparison-sections { margin-top: 42px; border-top: 1px solid var(--modern-text); }
.deposit-comparison-section { padding: 28px 0 32px; border-bottom: 1px solid var(--modern-border); }
.deposit-comparison-section > div:first-child { display: flex; align-items: baseline; justify-content: space-between; gap: 20px; }
.deposit-comparison-section h3 { margin: 0; font-size: 19px; letter-spacing: -.03em; }
.deposit-comparison-section > div:first-child p { margin: 0; color: var(--modern-muted); font-size: 12px; text-align: right; }
.deposit-comparison-grid { display: grid; gap: 0; margin-top: 18px; border-top: 1px solid var(--modern-border); }
.deposit-comparison-grid dl { display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); margin: 0; padding: 14px 0; border-bottom: 1px solid var(--modern-border); }
.deposit-comparison-grid dl > div { min-width: 0; padding: 0 14px; }
.deposit-comparison-grid dl > div:first-child { padding-left: 0; }
.deposit-comparison-grid dl > div + div { border-left: 1px solid var(--modern-border); }
.deposit-comparison-grid dt { color: var(--modern-muted); font-size: 11px; }
.deposit-comparison-grid dd { margin: 6px 0 0; color: var(--modern-text); font-size: 13px; font-weight: 750; font-variant-numeric: tabular-nums; overflow-wrap: anywhere; }
.dividend-seo-comparisons { padding:84px 0; }.dividend-seo-comparisons-heading { max-width:760px; }.dividend-seo-comparisons-heading h2 { font-size:clamp(30px,4vw,42px); }.dividend-seo-comparisons-heading p { color:var(--modern-muted); line-height:1.7; }.dividend-comparison-sections { margin-top:38px; border-top:1px solid var(--modern-text); }.dividend-comparison-sections article { padding:26px 0; border-bottom:1px solid var(--modern-border); }.dividend-comparison-sections h3 { margin:0; font-size:19px; }.dividend-comparison-grid { margin-top:16px; }.dividend-comparison-grid dl { display:grid; grid-template-columns:repeat(4,minmax(0,1fr)); margin:0; padding:13px 0; border-top:1px solid var(--modern-border); }.dividend-comparison-grid dl>div { min-width:0; padding:0 14px; }.dividend-comparison-grid dl>div+div { border-left:1px solid var(--modern-border); }.dividend-comparison-grid dl>div:first-child { padding-left:0; }.dividend-comparison-grid dt { color:var(--modern-muted); font-size:11px; }.dividend-comparison-grid dd { margin:6px 0 0; font-size:13px; font-weight:750; overflow-wrap:anywhere; }
.dca-seo-comparisons { padding: 84px 0; }
.dca-seo-comparisons-heading { max-width: 760px; }
.dca-seo-comparisons-heading h2 { margin: 12px 0; font-size: clamp(30px,4vw,42px); line-height: 1.24; letter-spacing: -.05em; }
.dca-seo-comparisons-heading p { color: var(--modern-muted); font-size: 14px; line-height: 1.75; }
.dca-comparison-sections { margin-top: 42px; border-top: 1px solid var(--modern-text); }
.dca-comparison-section { padding: 28px 0 32px; border-bottom: 1px solid var(--modern-border); }
.dca-comparison-section > div:first-child { display: flex; justify-content: space-between; gap: 20px; align-items: baseline; }
.dca-comparison-section h3 { margin: 0; font-size: 19px; }.dca-comparison-section > div:first-child p { margin: 0; color: var(--modern-muted); font-size: 12px; text-align:right; }
.dca-comparison-grid { margin-top: 18px; border-top: 1px solid var(--modern-border); }.dca-comparison-grid dl { display:grid; grid-template-columns:repeat(4,minmax(0,1fr)); margin:0; padding:14px 0; border-bottom:1px solid var(--modern-border); }.dca-comparison-grid dl>div { min-width:0; padding:0 16px; }.dca-comparison-grid dl>div:first-child { padding-left:0; }.dca-comparison-grid dl>div+div { border-left:1px solid var(--modern-border); }.dca-comparison-grid dt { color:var(--modern-muted); font-size:11px; }.dca-comparison-grid dd { margin:6px 0 0; font-size:13px; font-weight:750; font-variant-numeric:tabular-nums; overflow-wrap:anywhere; }
.modern-plan-result { margin-top: 28px; padding-top: 26px; border-top: 1px solid var(--modern-border); }
.modern-plan-result-heading p { margin: 0; color: var(--modern-muted); font-size: 11px; font-weight: 700; }
.modern-plan-result-heading h3 { margin: 6px 0 0; font-size: 17px; letter-spacing: -.03em; }
.modern-plan-highlight { margin-top: 18px; padding: 19px 20px; border-radius: 6px; background: var(--modern-soft); }
.modern-plan-highlight > span { display: block; color: var(--modern-muted); font-size: 11px; font-weight: 700; }
.modern-plan-highlight > strong { display: block; margin-top: 6px; font-size: clamp(25px,3.2vw,34px); line-height: 1.2; letter-spacing: -.045em; overflow-wrap: anywhere; }
.modern-plan-highlight p { margin: 9px 0 0; color: var(--modern-muted); font-size: 11px; line-height: 1.6; }
.modern-plan-outcome { grid-template-columns: 1fr; }
.modern-plan-outcome div:nth-child(odd),
.modern-plan-outcome div:nth-child(even) { padding-right: 0; padding-left: 0; border-left: 0; }
.modern-plan-status { margin: 18px 0 0; padding: 13px 14px; border-left: 2px solid var(--modern-warning); background: var(--modern-warning-soft); color: var(--modern-muted); font-size: 12px; line-height: 1.65; }
.modern-plan-status.is-success { border-left-color: var(--modern-positive); background: #eef3f0; }
.modern-plan-status strong { color: var(--modern-text); }
.modern-target-line { display: flex; align-items: center; justify-content: space-between; gap: 20px; margin: 20px 0 0; color: var(--modern-muted); font-size: 12px; }
.modern-target-line strong { color: var(--modern-text); font-size: 14px; font-variant-numeric: tabular-nums; text-align: right; }
.modern-retirement-area { padding-bottom: 96px; }
.modern-retirement-block + .modern-retirement-block { margin-top: 84px; padding-top: 70px; border-top: 1px solid var(--modern-border); }
.modern-retirement-heading { display: grid; grid-template-columns: 34px minmax(0,1fr); gap: 16px; max-width: 720px; margin-bottom: 28px; }
.modern-retirement-heading > span { padding-top: 3px; color: var(--modern-muted); font-size: 12px; font-variant-numeric: tabular-nums; }
.modern-retirement-heading h2 { margin: 8px 0 0; font-size: clamp(28px,4vw,38px); line-height: 1.23; letter-spacing: -.05em; }
.modern-retirement-heading div > p:last-child { max-width: 620px; margin: 13px 0 0; color: var(--modern-muted); font-size: 14px; line-height: 1.7; }
.modern-allocation-list { margin-top: 30px; border-top: 1px solid var(--modern-text); }
.modern-allocation-row { padding: 21px 0; border-bottom: 1px solid var(--modern-border); }
.modern-allocation-heading { display: flex; align-items: center; justify-content: space-between; gap: 20px; }
.modern-allocation-heading > div { display: flex; align-items: baseline; gap: 9px; }
.modern-allocation-heading h3 { margin: 0; font-size: 16px; }
.modern-allocation-heading span { color: var(--modern-muted); font-size: 12px; }
.modern-allocation-heading > strong { font-size: 20px; letter-spacing: -.03em; text-align: right; font-variant-numeric: tabular-nums; overflow-wrap: anywhere; }
.modern-allocation-row dl { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; margin: 16px 0 0; padding-top: 14px; border-top: 1px solid var(--modern-border); }
.modern-allocation-row dl div { display: flex; align-items: center; justify-content: space-between; gap: 12px; }
.modern-allocation-row dt { color: var(--modern-muted); font-size: 11px; }
.modern-allocation-row dd { margin: 0; font-size: 12px; font-weight: 750; text-align: right; font-variant-numeric: tabular-nums; }
.rebalancing-comparison { margin-top: 30px; padding: 22px 0 0; border-top: 1px solid var(--modern-border); }
.rebalancing-comparison-heading { display: flex; align-items: flex-end; justify-content: space-between; gap: 20px; }
.rebalancing-comparison-heading h3 { margin: 5px 0 0; color: var(--modern-text); font-size: 16px; }
.rebalancing-comparison-heading > p { margin: 0; color: var(--modern-muted); font-size: 11px; font-variant-numeric: tabular-nums; }
.rebalancing-bars { display: grid; gap: 12px; margin-top: 22px; }
.rebalancing-bar-row { display: grid; grid-template-columns: 46px minmax(0, 1fr); align-items: center; gap: 12px; }
.rebalancing-bar-label { color: var(--modern-muted); font-size: 11px; }
.rebalancing-bar { display: flex; min-width: 0; height: 24px; overflow: hidden; border-radius: 4px; background: var(--modern-border); }
.rebalancing-bar .asset-segment { display: block; min-width: 0; height: 100%; }
.asset-segment-주식 { background: #4d6a5b; }
.asset-segment-채권 { background: #9b9a91; }
.asset-segment-현금 { background: #d5b36a; }
.rebalancing-legend { display: flex; flex-wrap: wrap; gap: 14px; margin-left: 58px; color: var(--modern-muted); font-size: 11px; }
.rebalancing-legend span { display: inline-flex; align-items: center; gap: 6px; }
.rebalancing-legend i { width: 9px; height: 9px; border-radius: 2px; }
.rebalancing-chart-note { margin: 14px 0 0; color: var(--modern-muted); font-size: 11px; line-height: 1.6; }
.rebalancing-current-percent { color: var(--modern-muted); font-size: 11px; }
.modern-adjustment { display: inline-flex; padding: 5px 8px; border-radius: 4px; }
.modern-adjustment.is-buy { background: var(--modern-positive-soft); color: var(--modern-positive); }
.modern-adjustment.is-sell { background: var(--modern-danger-soft); color: var(--modern-danger); }
.modern-adjustment.is-hold { background: var(--modern-soft); color: var(--modern-muted); }
.modern-result-disclaimer { margin: 22px 0 0; color: var(--modern-muted); font-size: 12px; line-height: 1.7; }
.modern-income-comparison {
  margin-top: 12px;
  padding: 28px 32px 26px;
  background: var(--modern-surface-muted);
}
.modern-income-comparison .modern-section-label { margin: 0; }
.modern-income-comparison h3 { margin: 7px 0 0; font-size: 16px; letter-spacing: -.03em; }
.modern-income-comparison-rank {
  margin: 13px 0 0;
  color: var(--modern-positive);
  font-size: 25px;
  font-weight: 800;
  letter-spacing: -.045em;
  font-variant-numeric: tabular-nums;
  overflow-wrap: anywhere;
}
.modern-income-position { margin-top: 18px; }
.modern-income-position-track { position: relative; height: 10px; border-radius: 999px; background: linear-gradient(90deg, var(--modern-border-strong), var(--modern-chart-secondary), var(--modern-chart-primary)); }
.modern-income-position-range { position: absolute; top: 50%; min-width: 4px; height: 18px; border: 3px solid var(--modern-surface); border-radius: 999px; background: var(--modern-text); box-shadow: 0 0 0 2px var(--modern-text); transform: translateY(-50%); }
.modern-income-position-labels { display: flex; justify-content: space-between; margin-top: 8px; color: var(--modern-muted); font-size: 10px; font-weight: 700; }
.modern-income-comparison-meta {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
  margin: 17px 0 0;
  padding-top: 14px;
  border-top: 1px solid var(--modern-border);
}
.modern-income-comparison-meta div { min-width: 0; }
.modern-income-comparison-meta dt { color: var(--modern-muted); font-size: 10px; }
.modern-income-comparison-meta dd { margin: 4px 0 0; font-size: 12px; font-weight: 750; overflow-wrap: anywhere; }
.modern-income-comparison-note { margin: 9px 0 0; color: var(--modern-muted); font-size: 11px; line-height: 1.6; }
.modern-recent-calculations { min-width: 0; padding: 32px; }
.modern-calculator-result + .modern-recent-calculations { border-top: 1px solid var(--modern-border); }
.modern-recent-heading { display: flex; align-items: start; justify-content: space-between; gap: 16px; }
.modern-recent-heading p { margin: 0; color: var(--modern-muted); font-size: 11px; font-weight: 750; }
.modern-recent-heading h2 { margin: 5px 0 0; font-size: 17px; letter-spacing: -.03em; }
.modern-recent-heading > span { flex: 0 0 auto; color: var(--modern-muted); font-size: 11px; }
.modern-recent-empty { max-width: 440px; margin: 18px 0 0; color: var(--modern-muted); font-size: 13px; line-height: 1.7; }
.modern-recent-table-wrap { margin-top: 16px; overflow-x: auto; }
.modern-recent-table-wrap:focus-visible { outline: 2px solid var(--modern-chart-primary); outline-offset: 3px; }
.modern-recent-table { width: 100%; min-width: 650px; border-collapse: collapse; color: var(--modern-text); font-size: 11px; font-variant-numeric: tabular-nums; }
.modern-recent-loan-table { min-width: 670px; }
.modern-recent-dividend-table { min-width: 700px; }
.modern-recent-loan-table th, .modern-recent-loan-table td,
.modern-recent-dividend-table th, .modern-recent-dividend-table td { padding-right: 6px; padding-left: 6px; }
.modern-recent-secondary { display: block; margin-top: 3px; color: var(--modern-muted); font-size: 10px; font-weight: 500; }
.modern-recent-table th { padding: 10px 8px; color: var(--modern-muted); background: var(--modern-soft); font-weight: 750; text-align: right; white-space: nowrap; }
.modern-recent-table th:first-child, .modern-recent-table td:first-child { text-align: left; }
.modern-recent-table td { padding: 12px 8px; border-bottom: 1px solid var(--modern-border); text-align: right; white-space: nowrap; }
.modern-salary-table-preview { padding: 28px 0 96px; }
.modern-salary-table-preview-heading { display: flex; align-items: flex-end; justify-content: space-between; gap: 32px; }
.modern-salary-table-preview-heading h2 { margin: 5px 0 0; font-size: clamp(25px, 3vw, 34px); line-height: 1.2; letter-spacing: -.05em; }
.modern-salary-table-preview-heading > p { max-width: 350px; margin: 0; color: var(--modern-muted); font-size: 12px; line-height: 1.65; }
.modern-salary-highlight-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 10px; margin-top: 25px; }
.modern-salary-highlight-grid a, .modern-salary-table-links a { border: 1px solid var(--modern-border); border-radius: var(--modern-radius); background: var(--modern-surface); color: var(--modern-text); }
.modern-salary-highlight-grid a { display: flex; min-height: 142px; flex-direction: column; justify-content: flex-end; padding: 20px; }
.modern-salary-highlight-grid a:hover, .modern-salary-highlight-grid a:focus-visible, .modern-salary-table-links a:hover, .modern-salary-table-links a:focus-visible { border-color: var(--modern-text); box-shadow: var(--modern-elevation); transform: translateY(-2px); }
.modern-salary-highlight-grid span, .modern-salary-table-links span { color: var(--modern-muted); font-size: 11px; font-weight: 700; }
.modern-salary-highlight-grid strong { display: block; margin-top: 9px; font-size: clamp(19px, 2.3vw, 25px); letter-spacing: -.05em; font-variant-numeric: tabular-nums; overflow-wrap: anywhere; }
.modern-salary-highlight-grid small, .modern-salary-table-links small { display: block; margin-top: 6px; color: var(--modern-muted); font-size: 11px; }
.modern-salary-table-links { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 10px; margin-top: 10px; }
.modern-salary-table-links a { display: block; min-height: 114px; padding: 20px; }
.modern-salary-table-links strong { display: block; margin-top: 8px; font-size: 16px; letter-spacing: -.035em; }
.modern-salary-table-area { padding: 0 0 96px; }
.modern-salary-table-tabs { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 24px; }
.modern-salary-table-tabs a { min-height: 38px; padding: 9px 12px; border: 1px solid var(--modern-border); border-radius: 6px; color: var(--modern-muted); font-size: 12px; font-weight: 700; }
.modern-salary-table-tabs a:hover, .modern-salary-table-tabs a:focus-visible, .modern-salary-table-tabs a.is-active { border-color: var(--modern-text); background: var(--modern-text); color: #fff; }
.modern-salary-table-assumptions, .modern-salary-table-panel { border: 1px solid var(--modern-border); border-radius: var(--modern-radius); background: var(--modern-surface); }
.modern-salary-table-assumptions { display: grid; grid-template-columns: minmax(180px, .8fr) minmax(0, 2fr); gap: 32px; padding: 30px; }
.modern-salary-table-assumptions h2, .modern-salary-table-heading h2 { margin: 5px 0 0; font-size: 21px; letter-spacing: -.04em; }
.modern-salary-table-assumptions dl { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0 24px; margin: 0; }
.modern-salary-table-assumptions dl div { display: flex; justify-content: space-between; gap: 10px; padding: 10px 0; border-bottom: 1px solid var(--modern-border); }
.modern-salary-table-assumptions dt { color: var(--modern-muted); font-size: 12px; }
.modern-salary-table-assumptions dd { margin: 0; color: var(--modern-text); font-size: 12px; font-weight: 700; text-align: right; }
.modern-salary-table-panel { margin-top: 18px; padding: 30px; }
.modern-salary-table-heading { display: flex; align-items: flex-start; justify-content: space-between; gap: 20px; }
.modern-salary-table-heading > span { flex: 0 0 auto; padding: 6px 9px; border-radius: 5px; background: var(--modern-soft); color: var(--modern-muted); font-size: 11px; font-weight: 700; }
.modern-salary-table-notice { display: grid; grid-template-columns: minmax(150px, .7fr) minmax(0, 2.3fr); gap: 18px 28px; align-items: start; margin-top: 18px; padding: 17px 20px; border: 1px solid var(--modern-border); border-left: 3px solid var(--modern-text); border-radius: 7px; background: var(--modern-soft); }
.modern-salary-table-notice .modern-section-label { margin: 1px 0 0; }
.modern-salary-table-notice > p:last-child { margin: 0; color: var(--modern-muted); font-size: 12px; line-height: 1.7; }
.modern-salary-table-finder { display: grid; grid-template-columns: minmax(190px, .78fr) minmax(360px, 1.22fr); align-items: end; gap: 14px 24px; margin-top: 22px; padding: 18px 20px; border: 1px solid var(--modern-border-strong); border-radius: 8px; background: linear-gradient(135deg, var(--modern-soft), #f7f7f4); }
.modern-salary-table-finder-copy { display: grid; gap: 4px; padding-bottom: 2px; }
.modern-salary-table-finder-copy .modern-section-label { margin: 0; font-size: 10px; }
.modern-salary-table-finder-copy strong { color: var(--modern-text); font-size: 15px; letter-spacing: -.035em; }
.modern-salary-table-finder-copy > span { color: var(--modern-muted); font-size: 11px; line-height: 1.55; }
.modern-salary-table-finder-controls { display: grid; grid-template-columns: minmax(0, 1fr) max-content; gap: 8px; align-items: end; }
.modern-salary-table-finder label { display: grid; gap: 5px; color: var(--modern-muted); font-size: 11px; font-weight: 750; }
.modern-salary-table-finder input { min-width: 0; height: 38px; padding: 0 11px; border: 1px solid var(--modern-border-strong); border-radius: 5px; background: var(--modern-surface); color: var(--modern-text); font: inherit; font-size: 13px; }
.modern-salary-table-finder button { display: inline-flex; align-items: center; justify-content: center; gap: 9px; width: auto; min-height: 38px; padding: 0 15px; border: 1px solid var(--modern-text); border-radius: 5px; background: var(--modern-text); color: var(--modern-surface); font: inherit; font-size: 12px; font-weight: 750; cursor: pointer; white-space: nowrap; }
.modern-salary-table-finder button b { font-size: 15px; font-weight: 400; }
.modern-salary-table-finder button:hover { background: var(--modern-positive); border-color: var(--modern-positive); }
.modern-salary-table-finder > p { display: none; grid-column: 1 / -1; align-items: center; gap: 10px; margin: 0; padding: 9px 11px; border: 1px solid var(--modern-border); border-radius: 5px; background: rgba(255,255,255,.62); color: var(--modern-muted); font-size: 11px; line-height: 1.55; }
.modern-salary-table-finder > p.is-visible { display: flex; }
.modern-salary-table-finder > p.is-out-of-range { border-color: var(--modern-text); background: var(--modern-surface); color: var(--modern-text); font-weight: 650; }
.modern-salary-table-finder > p a { display: inline-flex; align-items: center; justify-content: center; flex: 0 0 auto; min-height: 30px; margin-left: auto; padding: 0 10px; border-radius: 4px; background: var(--modern-text); color: var(--modern-surface); font-size: 11px; font-weight: 750; text-decoration: none; white-space: nowrap; }
.modern-salary-table-finder > p a:hover { background: var(--modern-positive); }
.modern-salary-table-wrap { margin-top: 24px; overflow-x: auto; }
.modern-salary-table-wrap:focus-visible { outline: 2px solid var(--modern-chart-primary); outline-offset: 3px; }
.modern-salary-table { width: 100%; min-width: 1220px; border-collapse: collapse; font-size: 12px; font-variant-numeric: tabular-nums; }
.modern-salary-table caption { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.modern-salary-table thead th { padding: 10px 9px; border-bottom: 1px solid var(--modern-border); background: var(--modern-soft); color: var(--modern-muted); font-size: 11px; font-weight: 750; text-align: right; white-space: nowrap; }
.modern-salary-table thead tr:first-child th { border-bottom-color: var(--modern-border-strong); text-align: center; }
.modern-salary-table thead tr:first-child th[rowspan] { text-align: right; }
.modern-salary-table tbody th, .modern-salary-table tbody td { padding: 12px 9px; border-bottom: 1px solid var(--modern-border); text-align: right; white-space: nowrap; }
.modern-salary-table tbody th { position: sticky; left: 0; z-index: 1; background: var(--modern-surface); color: var(--modern-text); font-weight: 750; }
.modern-salary-table tbody tr:hover th, .modern-salary-table tbody tr:hover td { background: var(--modern-soft); }
.modern-salary-table tbody tr.is-highlighted th, .modern-salary-table tbody tr.is-highlighted td { background: var(--modern-positive-soft); animation: salary-row-highlight 2.2s ease; }
.modern-salary-table-scroll-hint { display: none; margin: 10px 0 0; color: var(--modern-muted); font-size: 11px; }
.modern-salary-mobile-list { display: none; }

@keyframes salary-row-highlight { 0%, 100% { background: var(--modern-soft); } 18%, 78% { background: var(--modern-positive-soft); } }

/* Salary tables have twelve numeric columns. Use the available desktop viewport before falling back to horizontal scroll. */
@media (min-width: 1280px) {
  .modern-salary-table-page main .container { width: min(100% - 32px, 1440px); }
  .modern-salary-table { min-width: 0; table-layout: fixed; font-size: 11px; letter-spacing: -.02em; }
  .modern-salary-table thead th,
  .modern-salary-table tbody th,
  .modern-salary-table tbody td { padding-right: 6px; padding-left: 6px; }
}
.modern-recent-more { margin-top: 14px; }
.modern-recent-more summary { display: inline-flex; align-items: center; min-height: 36px; cursor: pointer; color: var(--modern-text); font-size: 12px; font-weight: 750; text-decoration: underline; text-underline-offset: 4px; }
.modern-recent-more summary:hover { color: var(--modern-chart-primary); }
.modern-recent-more [data-close-label] { display: none; }
.modern-recent-more[open] [data-open-label] { display: none; }
.modern-recent-more[open] [data-close-label] { display: inline; }
.modern-recent-scroll-hint { display: none; }
.modern-recent-notice { margin: 14px 0 0; color: var(--modern-muted); font-size: 11px; line-height: 1.65; }
.modern-recent-notice a { color: var(--modern-text); text-decoration: underline; text-underline-offset: 3px; }
.modern-calculation-public-notice { margin: 12px 0 0; color: var(--modern-muted); font-size: 11px; line-height: 1.6; }
.modern-calculation-public-notice a { color: var(--modern-text); text-decoration: underline; text-underline-offset: 3px; }
.modern-handoff-notice {
  display: grid;
  gap: 5px;
  margin: 0 0 24px;
  padding: 18px 20px;
  border-left: 3px solid var(--modern-positive);
  background: var(--modern-positive-soft);
  color: var(--modern-text);
}
.modern-handoff-notice .modern-section-label { margin: 0 0 2px; font-size: 10px; }
.modern-handoff-notice strong { font-size: 14px; line-height: 1.45; }
.modern-handoff-notice > span { color: var(--modern-muted); font-size: 12px; line-height: 1.65; }
.modern-retirement-area > .modern-handoff-notice { margin-bottom: 48px; }
.modern-next-step {
  display: grid;
  grid-template-columns: minmax(0,1fr) minmax(280px,420px);
  gap: 48px;
  align-items: center;
  margin-top: 28px;
  padding: 30px 32px;
  border: 1px solid var(--modern-border);
  background: var(--modern-surface);
}
.modern-next-step-copy .modern-section-label { margin: 0 0 9px; }
.modern-next-step-copy h2 { margin: 0; color: var(--modern-text); font-size: clamp(22px,2.4vw,30px); line-height: 1.25; letter-spacing: -.04em; }
.modern-next-step-copy > p:last-child { max-width: 650px; margin: 10px 0 0; color: var(--modern-muted); font-size: 13px; line-height: 1.7; }
.modern-next-step-actions { display: grid; gap: 9px; }
.modern-next-step-actions a { display: flex; align-items: center; justify-content: space-between; min-height: 52px; padding: 0 18px; border-radius: 6px; font-size: 13px; font-weight: 750; text-decoration: none; transition: border-color .18s ease, background .18s ease, color .18s ease; }
.modern-next-step-actions b { font-size: 17px; font-weight: 500; }
.modern-next-step-primary { background: var(--modern-text); color: var(--modern-surface); }
.modern-next-step-primary:hover { background: var(--modern-positive); }
.modern-next-step-secondary { border: 1px solid var(--modern-border); color: var(--modern-text); }
.modern-next-step-secondary:hover { border-color: var(--modern-text); background: var(--modern-soft); }
.modern-calculator-result .asset-chart { margin: 0; padding: 28px 0 0; border-radius: 0; background: transparent; box-shadow: none; }
.modern-calculator-result .asset-chart .eyebrow { display: none; }
.modern-calculator-result .chart-heading { align-items: center; }
.modern-calculator-result .chart-heading h3 { margin: 0; color: var(--modern-text); font-size: 15px; }
.modern-calculator-result .chart-legend { color: var(--modern-muted); font-size: 11px; }
.modern-calculator-result .legend-principal,
.modern-calculator-result .bar-principal { background: var(--modern-chart-primary); }
.modern-calculator-result .legend-interest,
.modern-calculator-result .bar-interest { background: var(--modern-chart-secondary); }
.modern-calculator-result .chart-bars { height: 230px; gap: 12px; margin-top: 20px; border-color: var(--modern-border); }
.modern-calculator-result .bar-column small,
.modern-calculator-result .chart-note { color: var(--modern-muted); }
.modern-calculator-result .chart-tooltip { border-color: var(--modern-chart-primary); border-radius: 7px; background: var(--modern-text); box-shadow: var(--modern-elevation); }
.modern-calculator-result .chart-tooltip::after { background: var(--modern-text); }
.modern-calculator-result .chart-tooltip b { color: #d5d5d0; }
.modern-calculator-result .dividend-chart-plot { height: 230px; margin-top: 20px; }
.modern-calculator-result .dividend-chart-bars { gap: 12px; border-color: var(--modern-border); }
.modern-calculator-result .dividend-bar { background: var(--modern-chart-secondary); }
.modern-calculator-result .dividend-goal-line,
.modern-calculator-result .goal-legend { border-color: #77736b; }
.modern-detail-wrap { padding-bottom: 96px; }
.modern-detail-wrap .yearly { margin: 0; padding: 30px; border: 1px solid var(--modern-border); border-radius: var(--modern-radius); box-shadow: none; }
.modern-detail-wrap .yearly .eyebrow { color: var(--modern-muted); }
.modern-detail-wrap .yearly-toggle { border-color: var(--modern-border); border-radius: 6px; color: var(--modern-text); }
.modern-detail-wrap .yearly-toggle:hover { border-color: var(--modern-text); background: var(--modern-soft); }
.modern-detail-wrap th,
.modern-detail-wrap td { border-color: var(--modern-border); }
.modern-detail-wrap .yearly td:first-child,
.modern-detail-wrap .yearly td:first-child::before { color: var(--modern-text); }
.modern-calculator-guidance { border-top: 1px solid var(--modern-border); }
.modern-related-tools p { display: flex; flex-wrap: wrap; gap: 8px 18px; }
.modern-related-tools a { color: var(--modern-text); font-weight: 700; text-decoration: underline; text-decoration-color: var(--modern-border-strong); text-underline-offset: 4px; }
.modern-example-stats {
  display: grid;
  grid-template-columns: repeat(3,minmax(0,1fr));
  margin: 18px 0 0;
  border-top: 1px solid var(--modern-border);
  border-bottom: 1px solid var(--modern-border);
}
.modern-example-stats div { min-width: 0; padding: 14px 12px 14px 0; }
.modern-example-stats div + div { padding-left: 12px; border-left: 1px solid var(--modern-border); }
.modern-example-stats dt { color: var(--modern-muted); font-size: 11px; line-height: 1.45; }
.modern-example-stats dd { margin: 6px 0 0; color: var(--modern-text); font-size: 14px; font-weight: 750; font-variant-numeric: tabular-nums; overflow-wrap: anywhere; }
.modern-guidance-list .modern-example-reading { margin-top: 14px; color: var(--modern-text); }
.modern-faq-list { margin-top: 16px; border-top: 1px solid var(--modern-border); }
.modern-faq-list details { border-bottom: 1px solid var(--modern-border); }
.modern-faq-list summary {
  position: relative;
  padding: 15px 28px 15px 0;
  color: var(--modern-text);
  font-size: 14px;
  font-weight: 700;
  line-height: 1.55;
  cursor: pointer;
  list-style: none;
}
.modern-faq-list summary::-webkit-details-marker { display: none; }
.modern-faq-list summary::after { content: "+"; position: absolute; top: 14px; right: 2px; color: var(--modern-muted); font-size: 17px; font-weight: 500; }
.modern-faq-list details[open] summary::after { content: "−"; }
.modern-faq-list summary:focus-visible { outline: 2px solid rgba(23,23,23,.2); outline-offset: 3px; }
.modern-guidance-list .modern-faq-list p { margin: -2px 28px 15px 0; font-size: 13px; }

/* Service information, policy, methodology, and contact pages */
.modern-document-hero { padding-top: 92px; padding-bottom: 72px; }
.modern-document-hero h1 {
  max-width: 800px;
  margin: 0;
  font-size: clamp(42px,5.3vw,62px);
  line-height: 1.12;
  letter-spacing: -.06em;
}
.modern-document-hero > p:last-child { max-width: 700px; margin: 24px 0 0; color: var(--modern-muted); font-size: 17px; line-height: 1.75; }
.modern-document-area { padding: 72px 0 108px; border-top: 1px solid var(--modern-border); background: var(--modern-surface); }
.modern-document-layout { display: grid; grid-template-columns: 210px minmax(0,1fr); gap: 90px; align-items: start; }
.modern-document-sidebar { position: sticky; top: 126px; border-top: 1px solid var(--modern-text); }
.modern-document-sidebar > p { margin: 0; padding: 17px 0 13px; color: var(--modern-muted); font-size: 11px; font-weight: 750; }
.modern-document-sidebar nav { display: grid; }
.modern-document-sidebar a { position: relative; padding: 10px 18px 10px 0; border-bottom: 1px solid var(--modern-border); color: var(--modern-muted); font-size: 13px; line-height: 1.45; }
.modern-document-sidebar a:hover { color: var(--modern-text); }
.modern-document-sidebar a.is-active { color: var(--modern-text); font-weight: 750; }
.modern-document-sidebar a.is-active::after { content: ""; position: absolute; top: 50%; right: 2px; width: 5px; height: 5px; border-radius: 50%; background: var(--modern-text); transform: translateY(-50%); }
.modern-document-content { min-width: 0; max-width: 760px; }
.modern-document-section { display: grid; grid-template-columns: 42px minmax(0,1fr); gap: 18px; padding: 0 0 34px; border-bottom: 1px solid var(--modern-border); }
.modern-document-section + .modern-document-section { padding-top: 34px; }
.modern-document-section > span { padding-top: 5px; color: var(--modern-muted); font-size: 11px; font-variant-numeric: tabular-nums; }
.modern-document-section h2 { margin: 0; font-size: 25px; line-height: 1.35; letter-spacing: -.04em; }
.modern-document-section p { margin: 13px 0 0; color: var(--modern-muted); font-size: 15px; line-height: 1.85; }
.modern-document-links { display: flex; flex-wrap: wrap; gap: 8px 18px; margin: 16px 0 0; padding: 0; list-style: none; }
.modern-document-links a { color: var(--modern-text); font-size: 14px; font-weight: 700; line-height: 1.6; text-decoration: underline; text-decoration-thickness: 1px; text-underline-offset: 3px; }
.modern-document-links a:hover { color: var(--modern-muted); }
.modern-document-links a:focus-visible { outline: 2px solid var(--modern-text); outline-offset: 3px; }
.modern-document-notice { margin-top: 38px; padding: 18px 20px; border-left: 2px solid var(--modern-border-strong); background: var(--modern-soft); color: var(--modern-muted); font-size: 13px; line-height: 1.7; }

.modern-contact-intro { padding-bottom: 30px; border-bottom: 1px solid var(--modern-text); }
.modern-contact-intro h2 { max-width: 620px; margin: 0; font-size: clamp(27px,3.3vw,36px); line-height: 1.28; letter-spacing: -.05em; }
.modern-contact-intro > p:last-child { margin: 15px 0 0; color: var(--modern-muted); font-size: 14px; line-height: 1.7; }
.modern-contact-topics { display: grid; grid-template-columns: repeat(2,minmax(0,1fr)); margin: 0; padding: 0; list-style: none; }
.modern-contact-topics li { min-width: 0; padding: 25px 22px 25px 0; border-bottom: 1px solid var(--modern-border); }
.modern-contact-topics li:nth-child(even) { padding-right: 0; padding-left: 22px; border-left: 1px solid var(--modern-border); }
.modern-contact-topics span { display: block; color: var(--modern-muted); font-size: 11px; }
.modern-contact-topics strong { display: block; margin-top: 9px; font-size: 16px; }
.modern-contact-topics p { margin: 7px 0 0; color: var(--modern-muted); font-size: 13px; line-height: 1.6; }
.modern-contact-unavailable { max-width: 260px; margin: 0; color: var(--modern-muted); font-size: 13px; text-align: right; }
.modern-contact-form-wrap { margin-top: 52px; padding-top: 42px; border-top: 1px solid var(--modern-text); }
.modern-contact-form-heading h2 { margin: 0; font-size: 25px; line-height: 1.4; letter-spacing: -.04em; }
.modern-contact-form-heading > p:last-child { margin: 12px 0 0; color: var(--modern-muted); font-size: 13px; line-height: 1.7; }
.modern-contact-feedback { margin-top: 24px; padding: 14px 16px; border-left: 2px solid var(--modern-positive); background: var(--modern-positive-soft); color: var(--modern-text); font-size: 13px; line-height: 1.65; }
.modern-contact-feedback.is-error { border-left-color: var(--modern-danger); background: var(--modern-danger-soft); }
.modern-contact-form { margin-top: 30px; }
.modern-contact-form label { color: var(--modern-chart-primary); font-size: 13px; }
.modern-contact-form input,
.modern-contact-form select,
.modern-contact-form textarea { border-color: var(--modern-border); border-radius: 6px; background: var(--modern-surface); }
.modern-contact-form input:focus,
.modern-contact-form select:focus,
.modern-contact-form textarea:focus { border-color: var(--modern-text); box-shadow: 0 0 0 3px var(--modern-focus-ring); }
.modern-contact-form .modern-contact-unavailable { max-width: none; margin-top: 12px; text-align: left; }
.contact-website-field { position: absolute !important; left: -10000px; width: 1px; height: 1px; overflow: hidden; }
.modern-contact-modal { position: fixed; inset: 0; z-index: 1200; display: grid; place-items: center; padding: 18px; }
.modern-contact-modal[hidden] { display: none; }
.modern-contact-modal-backdrop { position: absolute; inset: 0; width: 100%; height: 100%; padding: 0; border: 0; background: rgba(16,17,14,.48); backdrop-filter: blur(2px); cursor: default; }
.modern-contact-modal-dialog { position: relative; width: min(430px,100%); padding: 31px 30px 27px; border: 1px solid var(--modern-border); border-radius: 14px; background: var(--modern-surface); box-shadow: 0 24px 70px rgba(0,0,0,.24); text-align: center; }
.modern-contact-modal-mark { display: grid; place-items: center; width: 52px; height: 52px; margin: 0 auto 22px; border-radius: 50%; background: var(--modern-text); color: var(--modern-surface); }
.modern-contact-modal-mark svg { width: 24px; height: 24px; fill: none; stroke: currentColor; stroke-width: 2.3; stroke-linecap: round; stroke-linejoin: round; }
.modern-contact-modal-dialog h2 { margin: 0 0 10px; font-size: 24px; letter-spacing: -.045em; }
.modern-contact-modal-dialog p { max-width: 320px; margin: 0 auto 24px; color: var(--modern-muted); font-size: 14px; line-height: 1.65; word-break: keep-all; }
.modern-contact-modal-confirm { width: 100%; min-height: 50px; border: 0; border-radius: 7px; background: var(--modern-text); color: var(--modern-surface); font: inherit; font-size: 14px; font-weight: 800; cursor: pointer; }
.modern-contact-modal-confirm:hover { opacity: .86; }
.modern-contact-modal-confirm:focus-visible { outline: 3px solid var(--modern-focus-ring); outline-offset: 3px; }
@media (max-width: 520px) {
  .modern-contact-modal-dialog { padding: 28px 23px 23px; }
  .modern-contact-modal-dialog h2 { font-size: 22px; }
}

.modern-methodology-index { padding-bottom: 38px; border-bottom: 1px solid var(--modern-border); }
.modern-methodology-index > p { margin: 0 0 14px; color: var(--modern-muted); font-size: 11px; font-weight: 750; }
.modern-methodology-index > div { display: flex; flex-wrap: wrap; gap: 8px; }
.modern-methodology-index a { padding: 7px 10px; border: 1px solid var(--modern-border); border-radius: 5px; color: var(--modern-muted); font-size: 12px; line-height: 1.4; }
.modern-methodology-index a:hover { border-color: var(--modern-text); color: var(--modern-text); }
.modern-methodology-common { padding: 52px 0 64px; border-bottom: 1px solid var(--modern-text); }
.modern-methodology-common > h2,
.modern-methodology-list > h2 { margin: 0; font-size: clamp(27px,3.4vw,36px); line-height: 1.3; letter-spacing: -.05em; }
.modern-methodology-rules { margin-top: 30px; border-top: 1px solid var(--modern-text); }
.modern-methodology-rules article { display: grid; grid-template-columns: 42px minmax(0,1fr); gap: 18px; padding: 24px 0; border-bottom: 1px solid var(--modern-border); }
.modern-methodology-rules article > span { padding-top: 3px; color: var(--modern-muted); font-size: 11px; }
.modern-methodology-rules h3 { margin: 0; font-size: 16px; }
.modern-methodology-rules p { margin: 8px 0 0; color: var(--modern-muted); font-size: 13px; line-height: 1.75; }
.modern-methodology-list { padding-top: 64px; }
.modern-methodology-method { padding: 42px 0; border-bottom: 1px solid var(--modern-border); scroll-margin-top: 110px; }
.modern-methodology-title { display: grid; grid-template-columns: 42px minmax(0,1fr); gap: 18px; }
.modern-methodology-title span { padding-top: 5px; color: var(--modern-muted); font-size: 11px; }
.modern-methodology-title h3 { margin: 0; font-size: 25px; line-height: 1.35; letter-spacing: -.04em; }
.modern-methodology-method > p { margin: 12px 0 0 60px; color: var(--modern-muted); font-size: 14px; line-height: 1.75; }
.modern-formula-block { margin: 22px 0 0 60px; padding: 17px 18px; border-left: 2px solid var(--modern-text); background: var(--modern-soft); }
.modern-formula-block span { display: block; margin-bottom: 5px; color: var(--modern-muted); font-size: 10px; font-weight: 750; }
.modern-formula-block strong { font-size: 14px; line-height: 1.7; overflow-wrap: anywhere; }
.modern-methodology-method h4 { margin: 23px 0 7px 60px; font-size: 13px; }
.modern-methodology-method ul { margin: 0 0 0 60px; padding-left: 18px; color: var(--modern-muted); font-size: 13px; line-height: 1.8; }
.modern-methodology-tool-link { display: inline-block; margin: 19px 0 0 60px; font-size: 13px; font-weight: 750; text-decoration: underline; text-decoration-color: var(--modern-border-strong); text-underline-offset: 4px; }
.modern-methodology-source { margin: 18px 0 0 60px; color: var(--modern-muted); font-size: 12px; line-height: 1.7; }
.modern-methodology-source p { margin: 0; }
.modern-methodology-source p + p { margin-top: 8px; }
.modern-methodology-source a { color: var(--modern-text); font-weight: 700; text-underline-offset: 3px; }
.modern-methodology-tool-link::after { content: " →"; }

/* Localized error pages */
.modern-error-main { min-height: calc(100vh - 300px); display: flex; align-items: center; padding-top: 88px; padding-bottom: 104px; }
.modern-error-layout { width: 100%; display: grid; grid-template-columns: minmax(0,1.15fr) minmax(300px,.85fr); gap: 90px; align-items: center; }
.modern-error-copy h1 { max-width: 660px; margin: 0; font-size: clamp(42px,5.2vw,62px); line-height: 1.12; letter-spacing: -.06em; }
.modern-error-copy > p:not(.modern-section-label) { max-width: 610px; margin: 22px 0 0; color: var(--modern-muted); font-size: 16px; line-height: 1.75; }
.modern-error-actions { display: flex; align-items: center; flex-wrap: wrap; gap: 24px; margin-top: 34px; }
.modern-error-actions .modern-primary-action span { margin-left: 12px; }
.modern-error-secondary { padding: 8px 0; border-bottom: 1px solid var(--modern-border-strong); color: var(--modern-muted); font-size: 14px; font-weight: 700; }
.modern-error-secondary:hover { border-color: var(--modern-text); color: var(--modern-text); }
.modern-error-summary { min-width: 0; padding: 32px; border: 1px solid var(--modern-border); border-radius: var(--modern-radius); background: var(--modern-surface); }
.modern-error-summary > strong { display: block; font-size: clamp(86px,10vw,132px); font-weight: 800; line-height: .92; letter-spacing: -.075em; font-variant-numeric: tabular-nums; }
.modern-error-summary dl { margin: 32px 0 0; border-top: 1px solid var(--modern-text); }
.modern-error-summary dl div { display: grid; grid-template-columns: 86px minmax(0,1fr); gap: 18px; padding: 16px 0; border-bottom: 1px solid var(--modern-border); }
.modern-error-summary dt { color: var(--modern-muted); font-size: 11px; }
.modern-error-summary dd { margin: 0; font-size: 12px; line-height: 1.6; }

/* Shared footer in the neutral service UI */
.modern-shell .site-footer { padding: 40px 0; border-top: 1px solid #333; background: #181818; color: #aaa; }
.modern-shell .footer-inner { gap: 22px; }
.modern-shell .footer-heading { color: #fff; font-size: 16px; }
.modern-shell .footer-links { gap: 12px 24px; }
.modern-shell .footer-links a { color: #bbb; }
.modern-shell .footer-copy { border-top-color: #333; color: #888; font-size: 11px; }

@media (max-width: 820px) {
  .modern-home-hero { min-height: auto; grid-template-columns: 1fr; gap: 50px; padding-top: 64px; padding-bottom: 64px; }
  .modern-hero-copy h1 { font-size: clamp(42px,12vw,58px); }
  .modern-hero-copy > p:not(.modern-section-label) { font-size: 16px; }
  .modern-hero-summary { padding: 26px 22px 20px; }
  .modern-hero-summary dl { grid-template-columns: 1fr; gap: 13px; }
  .modern-hero-summary dl div,
  .modern-hero-summary dl div + div { display: flex; justify-content: space-between; gap: 20px; padding-left: 0; border-left: 0; }
  .modern-hero-summary dd { margin-top: 0; }
  .modern-tool-directory { padding: 64px 0; }
  .modern-section-heading { display: block; }
  .modern-section-heading > a { display: inline-block; margin-top: 18px; }
  .modern-tool-list { grid-template-columns: 1fr; }
  .modern-tool-list a:nth-child(odd),
  .modern-tool-list a:nth-child(even) { padding: 20px 0; border-left: 0; }
  .modern-standards-grid,
  .modern-guidance-grid { grid-template-columns: 1fr; gap: 46px; }
  .modern-home-standards,
  .modern-calculator-guidance { padding: 72px 0; }
  .modern-tools-intro { padding-top: 64px; padding-bottom: 56px; }
  .modern-tools-group { grid-template-columns: 1fr; gap: 30px; padding: 42px 0; }
  .modern-calculator-intro { padding-top: 64px; padding-bottom: 38px; }
  .loan-seo-comparisons { padding-top: 64px; padding-bottom: 64px; }
  .loan-comparison-section > div:first-child { display: block; }
  .loan-comparison-section > div:first-child p { margin-top: 8px; text-align: left; line-height: 1.55; }
  .loan-comparison-grid dl { grid-template-columns: 1fr; gap: 0; padding: 0 14px; border: 1px solid var(--modern-border); border-radius: 7px; background: var(--modern-surface); }
  .loan-comparison-grid dl + dl { margin-top: 9px; }
  .loan-comparison-grid dl > div,
  .loan-comparison-grid dl > div:first-child { display: flex; align-items: baseline; justify-content: space-between; gap: 16px; padding: 11px 0; }
  .loan-comparison-grid dl > div + div { border-top: 1px solid var(--modern-border); border-left: 0; }
  .loan-comparison-grid dd { margin: 0; text-align: right; }
  .compound-seo-comparisons { padding-top: 64px; padding-bottom: 64px; }
  .compound-comparison-section > div:first-child { display: block; }
  .compound-comparison-section > div:first-child p { margin-top: 8px; text-align: left; line-height: 1.55; }
  .compound-comparison-grid dl { grid-template-columns: 1fr; gap: 0; padding: 0 14px; border: 1px solid var(--modern-border); border-radius: 7px; background: var(--modern-surface); }
  .compound-comparison-grid dl + dl { margin-top: 9px; }
  .compound-comparison-grid dl > div,
  .compound-comparison-grid dl > div:first-child { display: flex; align-items: baseline; justify-content: space-between; gap: 16px; padding: 11px 0; }
  .compound-comparison-grid dl > div + div { border-top: 1px solid var(--modern-border); border-left: 0; }
  .compound-comparison-grid dd { margin: 0; text-align: right; }
  .compound-simple-comparison-grid { grid-template-columns: 1fr; gap: 9px; }
  .compound-simple-comparison-grid dl { padding: 8px 14px; }
  .installment-seo-comparisons { padding-top: 64px; padding-bottom: 64px; }
  .installment-comparison-section > div:first-child { display: block; }
  .installment-comparison-section > div:first-child p { margin-top: 8px; text-align: left; line-height: 1.55; }
  .installment-comparison-grid dl { grid-template-columns: 1fr; gap: 0; padding: 0 14px; border: 1px solid var(--modern-border); border-radius: 7px; background: var(--modern-surface); }
  .installment-comparison-grid dl + dl { margin-top: 9px; }
  .installment-comparison-grid dl > div,
  .installment-comparison-grid dl > div:first-child { display: flex; align-items: baseline; justify-content: space-between; gap: 16px; padding: 11px 0; }
  .installment-comparison-grid dl > div + div { border-top: 1px solid var(--modern-border); border-left: 0; }
  .installment-comparison-grid dd { margin: 0; text-align: right; }
  .deposit-seo-comparisons { padding-top: 64px; padding-bottom: 64px; }
  .deposit-comparison-section > div:first-child { display: block; }
  .deposit-comparison-section > div:first-child p { margin-top: 8px; text-align: left; line-height: 1.55; }
  .deposit-comparison-grid dl { grid-template-columns: 1fr; gap: 0; padding: 0 14px; border: 1px solid var(--modern-border); border-radius: 7px; background: var(--modern-surface); }
  .deposit-comparison-grid dl + dl { margin-top: 9px; }
  .deposit-comparison-grid dl > div,
  .deposit-comparison-grid dl > div:first-child { display: flex; align-items: baseline; justify-content: space-between; gap: 16px; padding: 11px 0; }
  .deposit-comparison-grid dl > div + div { border-top: 1px solid var(--modern-border); border-left: 0; }
  .deposit-comparison-grid dd { margin: 0; text-align: right; }
  .dca-seo-comparisons { padding: 64px 0; }
  .dca-comparison-section > div:first-child { display: block; }
  .dca-comparison-section > div:first-child p { margin-top: 8px; text-align: left; line-height: 1.55; }
  .dca-comparison-grid dl { grid-template-columns: 1fr; padding: 0 18px; border: 1px solid var(--modern-border); border-radius: 9px; background: var(--modern-surface); }
  .dca-comparison-grid dl + dl { margin-top: 12px; }
  .dca-comparison-grid dl > div,
  .dca-comparison-grid dl > div:first-child { display: flex; align-items: center; justify-content: space-between; gap: 18px; padding: 15px 0; }
  .dca-comparison-grid dl > div + div { border-top: 1px solid var(--modern-border); border-left: 0; }
  .dca-comparison-grid dt { font-size: 14px; font-weight: 650; }
  .dca-comparison-grid dd { margin: 0; font-size: 17px; text-align: right; }
  .dca-comparison-grid dl > div:last-child { padding-top: 17px; padding-bottom: 17px; }
  .dca-comparison-grid dl > div:last-child dt { color: var(--modern-text); font-weight: 750; }
  .dca-comparison-grid dl > div:last-child dd { font-size: 20px; }
  .modern-calculator-workspace { grid-template-columns: 1fr; }
  .modern-calculator-workspace.modern-workspace--input-only { width: 100%; grid-template-columns: 1fr; }
  .modern-calculator-form { padding: 26px 22px 30px; border-top: 1px solid var(--modern-border); border-right: 0; }
  .modern-calculator-output { order: -1; min-width: 0; }
  .modern-workspace--input-only .modern-calculator-form { border-top: 0; }
  .modern-calculator-result { padding: 30px 22px 24px; }
  .modern-salary-net-pay .modern-recent-calculations,
  .modern-loan-interest .modern-recent-calculations,
  .modern-dividend-goal .modern-recent-calculations { padding: 28px 22px; border-left: 0; }
  .modern-recent-scroll-hint { display: block; margin: 8px 0 0; color: var(--modern-muted); font-size: 11px; }
  .modern-result-primary { display: block; }
  .modern-result-status { display: inline-flex; margin-top: 16px; }
  .modern-result-actions { align-items: flex-start; margin-top: 16px; }
  .modern-result-actions .modern-result-status { margin-top: 0; }
  .modern-calculation-share { align-items: flex-start; }
  .modern-salary-table-area { padding-bottom: 72px; }
  .modern-salary-table-preview { padding: 22px 0 72px; }
  .modern-salary-table-preview-heading { display: block; }
  .modern-salary-table-preview-heading > p { max-width: none; margin-top: 14px; }
  .modern-salary-highlight-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 8px; margin-top: 20px; }
  .modern-salary-highlight-grid a { min-height: 126px; padding: 16px; }
  .modern-salary-highlight-grid strong { font-size: 21px; }
  .modern-salary-table-links { grid-template-columns: 1fr; gap: 8px; margin-top: 8px; }
  .modern-salary-table-links a { min-height: 104px; padding: 18px; }
  .modern-salary-table-tabs { margin-bottom: 18px; }
  .modern-salary-table-tabs a { min-height: 44px; display: inline-flex; align-items: center; }
  .modern-salary-table-assumptions { grid-template-columns: 1fr; gap: 18px; padding: 24px 20px; }
  .modern-salary-table-assumptions dl { grid-template-columns: 1fr; }
  .modern-salary-table-notice { grid-template-columns: 1fr; gap: 6px; padding: 15px 17px; }
  .modern-salary-table-panel { padding: 24px 20px; }
  .modern-salary-table-heading { display: block; }
  .modern-salary-table-heading > span { display: inline-flex; margin-top: 13px; }
  .modern-salary-table-scroll-hint { display: block; }
  .modern-result-stats { grid-template-columns: 1fr; gap: 14px; }
  .modern-result-stats div,
  .modern-result-stats div + div { display: flex; justify-content: space-between; gap: 18px; padding-left: 0; border-left: 0; }
  .modern-result-stats dd { margin-top: 0; text-align: right; }
  .modern-result-breakdown { grid-template-columns: 1fr; }
  .modern-result-breakdown div:nth-child(odd),
  .modern-result-breakdown div:nth-child(even) { padding-right: 0; padding-left: 0; border-left: 0; }
  .modern-income-comparison { margin-top: 8px; padding: 24px 22px 22px; }
  .modern-example-stats { grid-template-columns: 1fr; }
  .modern-example-stats div,
  .modern-example-stats div + div { display: flex; justify-content: space-between; gap: 16px; padding: 12px 0; border-left: 0; border-bottom: 1px solid var(--modern-border); }
  .modern-example-stats div:last-child { border-bottom: 0; }
  .modern-example-stats dd { margin-top: 0; text-align: right; }
  .modern-allocation-row dl { grid-template-columns: 1fr; gap: 10px; }
  .rebalancing-comparison { margin-top: 24px; padding-top: 20px; }
  .rebalancing-comparison-heading { display: block; }
  .rebalancing-comparison-heading > p { margin-top: 8px; }
  .rebalancing-bar-row { grid-template-columns: 40px minmax(0, 1fr); gap: 9px; }
  .rebalancing-bar { height: 20px; }
  .rebalancing-legend { margin-left: 49px; gap: 10px; }
  .rebalancing-chart-note { overflow-wrap: anywhere; }
  .rebalancing-current-percent { display: block; margin-top: 3px; }
  .modern-retirement-area { padding-bottom: 72px; }
  .modern-retirement-block + .modern-retirement-block { margin-top: 64px; padding-top: 56px; }
  .modern-calculator-result .chart-heading { align-items: flex-start; }
  .modern-calculator-result .chart-bars { height: 190px; gap: 5px; }
  .modern-calculator-result .dividend-chart-plot { height: 190px; }
  .modern-calculator-result .dividend-chart-bars { gap: 5px; }
  .modern-next-step { grid-template-columns: 1fr; gap: 24px; padding: 26px 22px; }
  .modern-calculator-area,
  .modern-detail-wrap { padding-bottom: 72px; }
  .modern-document-layout { grid-template-columns: 1fr; gap: 52px; }
  .modern-document-sidebar { position: static; }
  .modern-document-sidebar nav { grid-template-columns: repeat(3,minmax(0,1fr)); }
  .modern-document-sidebar a { padding: 11px 16px 11px 0; }
  .modern-document-sidebar a:nth-child(3n+2),
  .modern-document-sidebar a:nth-child(3n+3) { padding-left: 16px; border-left: 1px solid var(--modern-border); }
  .modern-document-content { max-width: none; }
  .modern-error-layout { grid-template-columns: 1fr; gap: 52px; }
  .modern-error-summary { max-width: 620px; }
}

@media (max-width: 767px) {
  .modern-salary-table-wrap,
  .modern-salary-table-scroll-hint { display: none; }
  .modern-salary-mobile-list { display: grid; gap: 8px; margin-top: 20px; }
  .modern-salary-table-finder { grid-template-columns: 1fr; gap: 14px; margin-top: 18px; padding: 15px; }
  .modern-salary-table-finder-controls { grid-template-columns: minmax(0, 1fr) max-content; }
  .modern-salary-table-finder > p.is-visible { display: grid; gap: 8px; }
  .modern-salary-table-finder > p a { width: fit-content; margin-left: 0; }
  .modern-salary-mobile-row { overflow: hidden; border: 1px solid var(--modern-border); border-radius: 8px; background: var(--modern-surface); transition: border-color .18s ease, box-shadow .18s ease; }
  .modern-salary-mobile-row[open] { border-color: var(--modern-text); box-shadow: 0 8px 20px rgba(0,0,0,.06); }
  .modern-salary-mobile-row.is-highlighted { border-color: var(--modern-positive); box-shadow: 0 0 0 3px var(--modern-positive-soft); animation: none; }
  .modern-salary-mobile-row summary { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 2px 10px; align-items: end; padding: 11px 12px 9px; cursor: pointer; list-style: none; }
  .modern-salary-mobile-row summary::-webkit-details-marker { display: none; }
  .modern-salary-mobile-row[open] summary { background: var(--modern-soft); border-bottom: 1px solid var(--modern-border); }
  .modern-salary-mobile-gross { display: grid; gap: 1px; min-width: 0; }
  .modern-salary-mobile-gross small, .modern-salary-mobile-deduction small, .modern-salary-mobile-row strong small { color: var(--modern-muted); font-size: 10px; font-weight: 700; }
  .modern-salary-mobile-gross b { overflow: hidden; color: var(--modern-text); font-size: 15px; font-variant-numeric: tabular-nums; text-overflow: ellipsis; white-space: nowrap; }
  .modern-salary-mobile-gross em { color: var(--modern-muted); font-size: 10px; font-style: normal; }
  .modern-salary-mobile-row strong { display: grid; justify-items: end; gap: 1px; color: var(--modern-text); font-size: 17px; line-height: 1.2; font-variant-numeric: tabular-nums; }
  .modern-salary-mobile-deduction { display: grid; gap: 1px; color: var(--modern-muted); font-size: 11px; }
  .modern-salary-mobile-deduction b { color: var(--modern-text); font-size: 12px; font-variant-numeric: tabular-nums; }
  .modern-salary-mobile-toggle { display: inline-flex; align-items: center; gap: 5px; color: var(--modern-text); font-size: 11px; font-weight: 750; }
  .modern-salary-mobile-toggle [data-close-label] { display: none; }
  .modern-salary-mobile-row[open] .modern-salary-mobile-toggle [data-open-label] { display: none; }
  .modern-salary-mobile-row[open] .modern-salary-mobile-toggle [data-close-label] { display: inline; }
  .modern-salary-mobile-row[open] .modern-salary-mobile-toggle b { transform: rotate(180deg); }
  .modern-salary-mobile-detail { padding: 13px 14px 15px; background: var(--modern-surface); }
  .modern-salary-mobile-equation { display: grid; grid-template-columns: minmax(0, 1fr) auto minmax(0, 1fr) auto minmax(0, 1fr); gap: 5px; align-items: center; padding: 11px 9px; border-radius: 6px; background: var(--modern-soft); }
  .modern-salary-mobile-equation div { display: grid; gap: 2px; min-width: 0; }
  .modern-salary-mobile-equation span { color: var(--modern-muted); font-size: 9px; font-weight: 700; }
  .modern-salary-mobile-equation strong { overflow: hidden; color: var(--modern-text); font-size: 10px; font-variant-numeric: tabular-nums; text-overflow: ellipsis; white-space: nowrap; }
  .modern-salary-mobile-equation > b { color: var(--modern-muted); font-size: 12px; }
  .modern-salary-mobile-detail-grid { display: grid; gap: 12px; margin-top: 14px; }
  .modern-salary-mobile-detail-grid section { padding-top: 12px; border-top: 1px solid var(--modern-border); }
  .modern-salary-mobile-detail-grid h3 { margin: 0 0 5px; color: var(--modern-text); font-size: 11px; }
  .modern-salary-mobile-detail-grid dl { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0 14px; margin: 0; }
  .modern-salary-mobile-detail-grid dl div { display: flex; justify-content: space-between; gap: 6px; padding: 6px 0; border-bottom: 1px solid var(--modern-border); }
  .modern-salary-mobile-detail-grid dl div:nth-last-child(-n + 2) { border-bottom: 0; }
  .modern-salary-mobile-detail-grid dt { color: var(--modern-muted); font-size: 10px; }
  .modern-salary-mobile-detail-grid dd { margin: 0; color: var(--modern-text); font-size: 10px; font-weight: 700; text-align: right; font-variant-numeric: tabular-nums; }
}

@media (max-width: 700px) {
  .modern-shell { --content-gutter: 32px; }
  .modern-shell .site-header { position: sticky; }
  .modern-shell .nav { display: flex; min-height: 60px; justify-content: space-between; }
  .modern-shell .nav nav > a { display: none; }
  .modern-shell .nav nav { gap: 5px; }
  .modern-shell .brand { font-size: 14px; font-weight: 700; }
  .modern-shell .brand-mark { width: 17px; height: 17px; }
  .calculator-menu > summary { justify-content: center; width: 40px; min-height: 44px; border: 0; border-radius: 0; font-size: 0; }
  .calculator-menu > summary::before { content: "☰"; color: var(--modern-text); font-size: 16px; font-weight: 400; line-height: 1; }
  .calculator-menu > summary b { display: none; }
  .calculator-menu[open] > summary::after { display: none; }
  .calculator-menu-panel { position: fixed; top: 60px; right: 0; left: 0; width: auto; max-height: calc(100dvh - 60px); padding: 18px 20px 22px; overflow-y: auto; border: 0; border-top: 1px solid rgba(23,23,23,.08); border-radius: 0; background: rgba(255,255,255,.99); box-shadow: 0 20px 48px rgba(23,23,23,.1); transform: none; }
  .calculator-menu-mobile-heading { display: flex; align-items: center; justify-content: space-between; padding: 0 0 14px; border-bottom: 1px solid rgba(23,23,23,.1); }
  .calculator-menu-mobile-heading strong { color: var(--modern-text); font-size: 18px; font-weight: 650; letter-spacing: -.03em; line-height: 1.2; }
  .calculator-menu-mobile-heading button { display: inline-flex; align-items: center; justify-content: center; width: 36px; height: 36px; margin: -8px -8px -8px 0; border: 0; border-radius: 50%; background: transparent; color: #363632; font-size: 25px; font-weight: 250; line-height: 1; cursor: pointer; }
  .calculator-menu-mobile-heading button:hover { background: #f3f3f0; }
  .calculator-menu-groups { display: grid; grid-template-columns: 1fr; gap: 0; margin-top: 10px; padding: 0; border: 0; border-radius: 0; overflow: visible; }
  .calculator-menu-group { border-bottom: 1px solid rgba(23,23,23,.1); background: transparent; }
  .calculator-menu-group > summary { min-height: 52px; padding: 0 4px; border-bottom: 0; font-size: 14px; font-weight: 600; cursor: pointer; }
  .calculator-menu-group > summary:focus-visible { border-radius: 6px; outline: 2px solid rgba(73,113,95,.45); outline-offset: -2px; }
  .calculator-menu-group > summary b { display: none; }
  .calculator-menu-group[open] { background: transparent; }
  .calculator-menu-group > div { display: none; gap: 0; margin: 0; padding: 0 4px 10px; }
  .calculator-menu-group[open] > div { display: grid; }
  .modern-shell .calculator-menu-group a { min-height: 34px; padding: 6px 8px; border-radius: 5px; color: #52524d; font-size: 13px; font-weight: 500; }
  .modern-shell .calculator-menu-group a:hover { background: #eeeeea; text-decoration: none; }
  .modern-shell .calculator-menu-all { width: 100%; margin-top: 0; min-height: 46px; border-color: rgba(23,23,23,.18); background: #f7f7f5; font-size: 13px; font-weight: 600; }
  .calculator-menu-footer { display: grid; grid-template-columns: 1fr; gap: 12px; margin-top: 18px; }
  .calculator-menu-footer .language-switcher { justify-content: space-between; width: 100%; padding: 0 2px; font-size: 12px; font-weight: 500; }
  .calculator-menu-footer .language-switcher select { min-height: 40px; min-width: 112px; border-color: rgba(23,23,23,.14); background: #fff; color: #363632; font-size: 12px; font-weight: 550; }
  .calculator-menu-footer .calculator-menu-all { grid-column: 1; min-width: 0; margin-top: 0; }
  .calculator-display-settings { margin-bottom: 14px; padding-top: 14px; font-size: 12px; }
  .modern-calculator-form .calculator-display-settings .currency-switcher select { height: 36px; min-height: 36px; font-size: 12px; }
  .modern-shell .breadcrumb { min-height: 38px; }
  .modern-calculator-form .term-presets button { min-height: 44px; }
  .loan-schedule-scroll { overflow-x: visible; }
  .loan-schedule table { min-width: 0; }
  .modern-detail-wrap .yearly { padding: 24px 20px; }
  .modern-detail-wrap .yearly-toggle { min-height: 44px; }
}

@media (max-width: 430px) {
  .modern-shell { --content-gutter: 32px; }
  .modern-shell .brand { font-size: 15px; }
  .modern-shell .brand-mark { width: 17px; height: 17px; }
  .modern-hero-actions { align-items: stretch; flex-direction: column; gap: 16px; }
  .modern-primary-action { width: 100%; }
  .modern-text-action { text-align: center; }
  .modern-hero-summary > strong,
  .modern-result-primary h2 { font-size: 34px; }
  .modern-tool-list a { grid-template-columns: 28px 1fr auto; gap: 10px; }
  .modern-tools-intro h1 { font-size: 40px; }
  .modern-document-hero { padding-top: 64px; padding-bottom: 54px; }
  .modern-document-hero h1 { font-size: 40px; }
  .modern-document-area { padding: 52px 0 76px; }
  .modern-error-main { min-height: auto; padding-top: 64px; padding-bottom: 76px; }
  .modern-error-copy h1 { font-size: 40px; }
  .modern-error-actions { align-items: stretch; flex-direction: column; gap: 12px; }
  .modern-error-actions .modern-primary-action { width: 100%; }
  .modern-error-secondary { width: 100%; border: 1px solid var(--modern-border); border-radius: 7px; text-align: center; }
  .modern-error-summary { padding: 26px 22px; }
  .modern-error-summary dl div { grid-template-columns: 78px minmax(0,1fr); gap: 12px; }
  .modern-document-sidebar nav { grid-template-columns: repeat(2,minmax(0,1fr)); }
  .modern-document-sidebar a,
  .modern-document-sidebar a:nth-child(3n+2),
  .modern-document-sidebar a:nth-child(3n+3) { padding: 10px 12px 10px 0; border-left: 0; }
  .modern-document-sidebar a:nth-child(even) { padding-left: 12px; border-left: 1px solid var(--modern-border); }
  .modern-document-section { grid-template-columns: 30px minmax(0,1fr); gap: 12px; }
  .modern-document-section h2 { font-size: 22px; }
  .modern-contact-topics { grid-template-columns: 1fr; }
  .modern-contact-topics li,
  .modern-contact-topics li:nth-child(even) { padding: 21px 0; border-left: 0; }
  .modern-contact-unavailable { max-width: none; text-align: left; }
  .modern-methodology-title,
  .modern-methodology-rules article { grid-template-columns: 30px minmax(0,1fr); gap: 12px; }
  .modern-methodology-method > p,
  .modern-formula-block,
  .modern-methodology-method h4,
  .modern-methodology-method ul,
  .modern-methodology-source,
  .modern-methodology-tool-link { margin-left: 42px; }
  .modern-tools-group header { grid-template-columns: 28px 1fr; gap: 10px; }
  .modern-tools-group-list a { gap: 16px; padding: 19px 0; }
  .modern-calculator-intro h1 { font-size: 39px; }
  .modern-next-step { margin-top: 22px; }
  .modern-next-step-actions a { min-height: 56px; }
  .modern-retirement-heading { grid-template-columns: 26px minmax(0,1fr); gap: 10px; }
  .modern-retirement-heading h2 { font-size: 29px; }
  .modern-allocation-heading { align-items: flex-start; }
  .modern-allocation-heading > strong { font-size: 18px; }
  .modern-calculator-result .chart-tooltip { width: 154px; }
}

/* Table headers are labels, so center them and separate adjacent columns
   with a restrained rule without turning the data rows into a grid. */
.modern-shell table thead th,
.modern-shell table thead th:first-child { text-align: center; }
.modern-shell table thead th + th { border-left: 1px solid var(--modern-border); }

/* Mobile calculator layout: keep primary values readable while making wide
   recent-record tables an intentional, touch-friendly scroll region. */
@media (max-width: 820px) {
  .modern-calculator-page .modern-calculator-area { padding-bottom: 56px; }
  .modern-calculator-page .modern-calculator-workspace { border-radius: 10px; }
  .modern-calculator-page .modern-calculator-form { padding: 24px 18px 28px; }
  .modern-calculator-page .modern-calculator-result { padding: 28px 18px 24px; }
  .modern-calculator-page .modern-income-comparison { margin-top: 20px; padding: 18px 16px; }
  .modern-calculator-page .modern-income-comparison-rank { font-size: 22px; }
  .modern-calculator-page .modern-income-comparison-meta { gap: 10px; }
  .modern-calculator-page .modern-recent-calculations { padding: 24px 18px; }
  .modern-calculator-page .modern-recent-heading h2 { font-size: 19px; }
  .modern-calculator-page .modern-recent-table-wrap {
    margin-right: -18px;
    padding-right: 18px;
    overscroll-behavior-x: contain;
    scrollbar-color: var(--modern-border-strong) transparent;
    scrollbar-width: thin;
  }
  .modern-calculator-page .modern-recent-table {
    width: max-content;
    min-width: 0;
    table-layout: auto;
    font-size: 10px;
  }
  .modern-calculator-page .modern-recent-loan-table,
  .modern-calculator-page .modern-recent-dividend-table { min-width: 0; }
  .modern-calculator-page .modern-recent-table th,
  .modern-calculator-page .modern-recent-table td { padding: 10px 7px; }
  .modern-salary-net-pay .modern-recent-table th:nth-child(4),
  .modern-salary-net-pay .modern-recent-table td:nth-child(4) {
    width: 48px;
    max-width: 48px;
    padding-right: 4px;
    padding-left: 4px;
    text-align: center;
  }
  .modern-salary-net-pay .modern-recent-table th:nth-child(4) { white-space: normal; line-height: 1.2; }
  .modern-calculator-page .modern-recent-table th:first-child {
    position: sticky;
    left: 0;
    z-index: 2;
    box-shadow: 5px 0 9px -8px rgba(0, 0, 0, .35);
  }
  .modern-calculator-page .modern-recent-table td:first-child {
    position: sticky;
    left: 0;
    z-index: 1;
    background: var(--modern-surface);
    box-shadow: 5px 0 9px -8px rgba(0, 0, 0, .35);
  }
  .modern-calculator-page .modern-recent-scroll-hint::after { content: '  ↔'; font-weight: 800; }
  .modern-calculator-page .modern-calculate-button { min-height: 54px; }
}

@media (max-width: 430px) {
  .modern-calculator-page { --content-gutter: 20px; }
  .modern-calculator-page .modern-calculator-intro { padding-top: 48px; padding-bottom: 28px; }
  .modern-calculator-page .modern-calculator-intro h1 { font-size: 35px; line-height: 1.22; }
  .modern-calculator-page .modern-calculator-intro > p:last-child { margin-top: 16px; font-size: 14px; line-height: 1.65; }
}

@media (max-width: 820px) {
  /* Loan records are read as one horizontal row; do not pin the principal column. */
  .modern-loan-interest .modern-recent-table th:first-child,
  .modern-loan-interest .modern-recent-table td:first-child {
    position: static;
    z-index: auto;
    box-shadow: none;
  }
}