/* MoneyRadar editorial refresh: additive layer; calculator logic remains unchanged. */
:root{--editorial-ink:#103c32;--editorial-muted:#47675d;--editorial-line:#cfe1d5}
.hero,.hero-inner{min-height:0}
.hero-inner{padding:45px 0 44px}
.hero h1{font-size:clamp(36px,3.6vw,54px);line-height:1.06;max-width:680px;margin:14px 0}
.hero p{max-width:560px;margin-bottom:20px}
.hero-points{margin-top:20px}
.hero-visual{top:-22px;width:470px;height:360px}
.hero-visual .globe-disk{width:250px;height:250px}
.hero-visual .orbit-outer{width:365px;height:365px}.hero-visual .orbit-inner{width:290px;height:290px}
.main{padding-top:34px}.sect{margin-bottom:72px}
.quick-tools{margin-bottom:52px}
.quick-tools-head{display:flex;align-items:end;justify-content:space-between;gap:20px;margin-bottom:16px}
.quick-tools h2{font-size:clamp(25px,2.4vw,34px);letter-spacing:-1px;line-height:1.1;margin:0;color:var(--editorial-ink)}
.quick-tools p{margin:6px 0 0;color:var(--editorial-muted);font-size:14px}
.quick-tool-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px}
.quick-tool{position:relative;display:flex;min-height:91px;align-items:center;gap:12px;border:1px solid var(--editorial-line);border-radius:15px;padding:16px;color:#123f31;background:linear-gradient(145deg,#fff,#f0f8f1);box-shadow:0 8px 22px #164c3010;transition:transform .18s ease,border-color .18s ease}
.quick-tool:hover{transform:translateY(-2px);border-color:#8bc2a2;text-decoration:none}
.quick-tool-number{display:grid;place-items:center;flex:none;width:34px;height:34px;border-radius:10px;background:#dcefe0;color:#17634a;font-size:12px;font-weight:800}
.quick-tool strong{font-size:14px;line-height:1.3}.quick-tool .arrow{margin-left:auto}
.editorial-note{display:flex;gap:10px;align-items:flex-start;margin:0 0 18px;padding:12px 15px;border-left:3px solid #348366;border-radius:8px;background:#edf5ee;color:#345f50;font-size:13px}
.editorial-grid{gap:18px}.editorial-feature{border-radius:20px}
.markets-section{margin-top:20px}.markets-section>summary{cursor:pointer;list-style:none;display:flex;align-items:center;justify-content:space-between;gap:16px;padding:18px 20px;border:1px solid var(--editorial-line);border-radius:16px;background:#eef6f0;color:#1c4c3d;font-weight:800}
.markets-section>summary::-webkit-details-marker{display:none}.markets-section>summary::after{content:'+';font-size:24px;line-height:1}.markets-section[open]>summary::after{content:'−'}.markets-section[open] .markets-heading{margin-top:22px}
.article-wrap{max-width:900px}.article-wrap .article-hero,.article-wrap .breadcrumb{max-width:760px}
.article-wrap .article-body{max-width:760px;padding:clamp(22px,4vw,52px);line-height:1.75}
.article-body p,.article-body li{font-size:16px;line-height:1.8}
.article-body h2{margin-top:1.7em;line-height:1.25}.article-body h2:first-child{margin-top:0}
.article-body p a,.article-body li a,.article-body blockquote a{color:#0a674c;text-decoration:underline;text-decoration-thickness:1.5px;text-underline-offset:3px;font-weight:650;overflow-wrap:anywhere}
.article-body p a:hover,.article-body li a:hover{color:#074a38}
.article-body blockquote{margin:1.8em 0;padding:12px 20px;border-left:4px solid #579a75;background:#edf6ef;color:#1c4c3d}
.article-trust{max-width:760px;margin:20px auto 0;padding:20px 24px;border:1px solid #d2e5d9;border-radius:16px;background:#edf6ef;color:#274c40;font-size:14px}
.article-trust strong{display:block;margin-bottom:5px}.article-trust p{margin:0;line-height:1.6}.article-trust a{color:#0a674c;text-decoration:underline;text-underline-offset:3px;font-weight:700}
.nav-toggle{display:none}
@media(max-width:980px){.hero-inner{padding:40px 0}.hero-visual{right:-70px;top:0;opacity:.25}.quick-tool-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:540px){
 .head{min-height:0}.righthead{display:flex;align-items:center;gap:7px}.nav-toggle{display:inline-flex;align-items:center;justify-content:center;min-height:40px;padding:7px 10px;border:1px solid #bcd8c6;border-radius:9px;background:#eef7f0;color:#174d3b;font-weight:750;font-size:12px}
 .header.is-compact .head{padding:7px 0}.header.is-compact:not(.menu-open) .nav{display:none!important}
 .hero-inner{padding:35px 0 32px}.hero h1{font-size:clamp(33px,9vw,43px);letter-spacing:-1.4px}.hero p{font-size:15px}.hero-points{display:none}
 .hero-visual{top:60px;right:-100px;width:365px;height:270px;opacity:.2}.hero-visual .globe-disk{width:220px;height:220px}
 .main{padding-top:27px}.sect{margin-bottom:54px}.quick-tools{margin-bottom:38px}.quick-tools-head{align-items:start;flex-direction:column;gap:4px}.quick-tool-grid{gap:8px}.quick-tool{min-height:76px;padding:10px;gap:7px}.quick-tool-number{width:27px;height:27px;font-size:10px}.quick-tool strong{font-size:12px}.quick-tool .arrow{font-size:12px}
 .article-wrap{padding-top:26px}.article-wrap .article-body{padding:22px 19px}.article-body p,.article-body li{font-size:16px;line-height:1.75}.article-trust{padding:17px}
 html.mr-compact{scroll-padding-top:75px}.markets-section>summary{font-size:14px}
}
@media(prefers-reduced-motion:reduce){.quick-tool{transition:none!important}.quick-tool:hover{transform:none}}
@media(max-width:540px){.header:not(.is-compact) .nav-toggle{display:none}}
.quick-tool,.quick-tool strong{min-width:0}.quick-tool strong{overflow-wrap:anywhere}.quick-tool .arrow{flex:none}
@media(max-width:360px){.header.is-compact .brand{font-size:15px;gap:5px}.header.is-compact .brandmark{width:30px;height:30px}.header.is-compact .righthead{gap:4px}.header.is-compact .righthead select{max-width:90px;font-size:11px}.header.is-compact .nav-toggle{font-size:11px;padding:6px 7px;min-height:36px}}
/* Standalone pages embed the existing calculator without duplicating formulas. */
html.calculator-embed,html.calculator-embed body{min-height:0;background:transparent}
html.calculator-embed .header,html.calculator-embed .skip,html.calculator-embed .hero,html.calculator-embed .footer,html.calculator-embed .main>*:not(#calculator),html.calculator-embed #calculator>.section-top,html.calculator-embed #calculator>.tool-tabs{display:none!important}
html.calculator-embed .main{width:100%;padding:0;margin:0}html.calculator-embed #calculator{margin:0;padding:0;scroll-margin:0}
.calculator-page{max-width:1040px;margin:0 auto;padding:42px 0 72px}.calculator-page h1{font-size:clamp(34px,5vw,54px);line-height:1.08;letter-spacing:-1.5px;color:#103c32;margin:12px 0 16px}.calculator-page .lead{max-width:760px;color:#3b6054;font-size:18px;line-height:1.6}
.calculator-embed-frame{display:block;width:100%;height:1000px;border:0;border-radius:20px;margin:28px 0 8px;background:#f5f9f6}.calculator-embed-frame:focus-visible{outline:3px solid #258c6c;outline-offset:4px}
.calculator-article{max-width:780px;color:#193f35}.calculator-article section{padding:4px 0 12px}.calculator-article h2{font-size:25px;line-height:1.2;letter-spacing:-.5px;margin:28px 0 12px}.calculator-article p,.calculator-article li{font-size:16px;line-height:1.75;color:#304f46}.calculator-article a{color:#0a674c;text-decoration:underline;text-underline-offset:3px;font-weight:650}.calculator-example{padding:18px 22px;border-left:4px solid #72ae86;background:#e8f4e9;border-radius:8px}.calculator-related{margin-top:30px;border-top:1px solid #d3e4d8;padding-top:20px}.calculator-related ul{display:flex;gap:10px;flex-wrap:wrap;list-style:none;padding:0}.calculator-related a{display:inline-flex;align-items:center;min-height:44px;padding:9px 13px;border:1px solid #bedbcc;border-radius:10px;background:#fff}
@media(max-width:540px){.calculator-page{padding-top:26px}.calculator-page .lead{font-size:16px}.calculator-page h1{letter-spacing:-1px}.calculator-embed-frame{margin-top:20px}.calculator-article h2{font-size:22px}}
@media(max-width:360px){.quick-tool-grid{grid-template-columns:1fr}.quick-tool{min-height:48px}.quick-tool strong{overflow-wrap:normal}}
.tool-form input:focus,.tool-form select:focus{outline:3px solid #086b4d;outline-offset:2px}