/* CalcPrincipal — design system
   Private-banking dress on the Calc family skeleton: deep midnight navy,
   gold used sparingly, statement-grade serif figures, quiet trust layer. */
:root{
  --navy:#0A1B3D; --navy-deep:#060F26; --navy-soft:#12295C;
  --gold:#C29A3B; --gold-bright:#E3C565; --gold-deep:#8F6E1F;
  --ink:#16181D; --ink-soft:#2A2E37; --muted:#6A707C; --line:#DFE2E9;
  --bg:#F6F7F9; --card:#FFFFFF; --soft:#EEF0F4;
  --radius:16px; --shadow:0 6px 24px rgba(10,27,61,.12);
  --serif:Georgia,"Times New Roman",Times,serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:"Segoe UI",system-ui,-apple-system,Roboto,"Helvetica Neue",Arial,sans-serif;
  color:var(--ink);background:var(--bg);font-size:17px;line-height:1.55}
a{color:var(--gold-deep);text-decoration:none}
a:hover{text-decoration:underline}
img,svg{max-width:100%}

/* ---------- header ---------- */
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.header-in{max-width:1180px;margin:0 auto;padding:10px 18px;display:flex;align-items:center;gap:16px;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:11px;color:var(--navy);font-weight:700;font-size:1.28rem;letter-spacing:-.02em;white-space:nowrap}
.brand:hover{text-decoration:none}
.brand img{width:42px;height:42px;display:block}
.main-nav{display:flex;gap:4px;flex-wrap:wrap;margin-left:auto}
.main-nav a{color:var(--ink);padding:8px 12px;border-radius:10px;font-size:.98rem}
.main-nav a:hover{background:var(--soft);text-decoration:none;color:var(--navy)}
.cur-wrap{display:flex;align-items:center;gap:7px;margin-left:6px;color:var(--muted);font-size:.9rem;font-weight:600}
.cur-wrap select{border:1.5px solid var(--line);border-radius:999px;padding:7px 12px;font-size:.95rem;font-weight:700;color:var(--navy);background:#fff;cursor:pointer;outline:none}
.cur-wrap select:focus{border-color:var(--gold)}

/* ---------- layout ---------- */
.wrap{max-width:1180px;margin:0 auto;padding:0 18px}
.layout main{max-width:900px;margin:0 auto}
.rail{display:none}
@media (min-width:1420px){
  body.ads-on .layout{display:grid;grid-template-columns:300px minmax(0,900px) 300px;gap:26px;justify-content:center;align-items:start}
  body.ads-on .layout main{margin:0}
  body.ads-on .rail{display:block;position:sticky;top:90px}
}
.ad-slot{display:none}
body.ads-on .ad-slot{display:flex;align-items:center;justify-content:center;background:#fff;border:1px dashed var(--line);
  border-radius:12px;color:var(--muted);font-size:.85rem;min-height:120px;margin:22px 0}
body.ads-on .rail .ad-slot{min-height:600px;margin:26px 0 0}
body.ads-on .ad-slot--bottom{min-height:110px}

/* ---------- hero / home ---------- */
.hero{position:relative;overflow:hidden;background:linear-gradient(130deg,var(--navy-deep),var(--navy) 46%,var(--navy-soft) 82%,#1B3A73);color:#fff;border-radius:0 0 26px 26px}
.hero::after{content:"";position:absolute;inset:0;pointer-events:none;
  background:radial-gradient(50% 100% at 86% 8%,rgba(227,197,101,.20),rgba(227,197,101,0) 60%),
             radial-gradient(38% 75% at 4% 100%,rgba(194,154,59,.14),rgba(194,154,59,0) 60%)}
.hero-in{position:relative;z-index:1;max-width:1180px;margin:0 auto;padding:46px 18px 40px}
.hero h1{margin:0 0 10px;font-family:var(--serif);font-weight:600;font-size:2.3rem;line-height:1.16;letter-spacing:-.01em}
.hero p{margin:0 0 22px;color:#C9D2E4;font-size:1.08rem;max-width:660px}
.search-box{display:flex;max-width:560px;background:#fff;border-radius:14px;padding:6px;box-shadow:var(--shadow)}
.search-box input{flex:1;border:0;outline:0;font-size:1.05rem;padding:10px 12px;color:var(--ink);min-width:0}
.search-box span{display:flex;align-items:center;padding:0 12px;color:var(--muted)}
.section{padding:30px 0 6px}
.section h2{font-size:1.45rem;margin:0 0 6px;color:var(--navy);letter-spacing:-.01em}
.section .sub{color:var(--muted);margin:0 0 18px}
.tool-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:16px}
.tool-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:20px 18px;display:block;color:var(--ink);box-shadow:0 2px 10px rgba(10,27,61,.05);transition:transform .12s ease,box-shadow .12s ease}
.tool-card:hover{text-decoration:none;transform:translateY(-2px);box-shadow:var(--shadow);border-color:#C9B678}
.tool-card .icon{font-size:1.7rem;line-height:1;display:block;margin-bottom:10px}
.tool-card h3{margin:0 0 5px;font-size:1.08rem;color:var(--navy)}
.tool-card p{margin:0;color:var(--muted);font-size:.94rem}
.tool-card.pop{border-color:#E4D6A8;background:linear-gradient(180deg,#FBF7EA,#fff)}
.no-results{display:none;color:var(--muted);padding:14px 2px}

/* ---------- tool pages ---------- */
.crumb{font-size:.9rem;color:var(--muted);padding:18px 0 0}
.crumb a{color:var(--muted)}
.page-head h1{font-family:var(--serif);font-weight:600;font-size:1.95rem;margin:8px 0 6px;color:var(--navy);letter-spacing:-.01em;line-height:1.22}
.page-head p{color:var(--muted);margin:0 0 20px;max-width:700px}
.tool-box{background:var(--card);border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow);padding:24px}
.tool-box h2{margin:0 0 14px;font-size:1.15rem;color:var(--navy)}
.field{margin-bottom:15px}
.field label{display:block;font-weight:600;margin-bottom:6px;font-size:.97rem}
.field .hint{font-weight:400;color:var(--muted);font-size:.87rem}
.field input,.field select{width:100%;padding:14px;font-size:1.08rem;border:1.5px solid var(--line);border-radius:12px;background:#fff;color:var(--ink);outline:none}
.field input:focus,.field select:focus{border-color:var(--gold);box-shadow:0 0 0 3px rgba(194,154,59,.22)}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.grid-3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:14px}
.seg-toggle{display:flex;border:1.5px solid var(--line);border-radius:999px;overflow:hidden;width:max-content;max-width:100%;margin-bottom:15px}
.seg-toggle button{border:0;background:#fff;color:var(--muted);padding:9px 18px;font-size:.95rem;font-weight:700;cursor:pointer}
.seg-toggle button.active{background:var(--navy);color:#fff}
.btn{display:inline-block;background:var(--navy);color:#fff;border:0;border-radius:12px;padding:15px 26px;
  font-size:1.1rem;font-weight:800;cursor:pointer;width:100%;margin-top:4px}
.btn:hover{background:var(--navy-soft)}
.btn-secondary{background:var(--soft);color:var(--navy);width:auto;padding:11px 18px;font-size:.98rem;font-weight:700}
.btn-secondary:hover{background:#DEE2EA;color:var(--navy)}

/* statement panel: deep navy, gold rule, serif figure */
.result{display:none;margin-top:20px;background:linear-gradient(150deg,var(--navy-soft),var(--navy) 55%,var(--navy-deep));
  border:1px solid var(--navy-deep);border-top:3px solid var(--gold);border-radius:14px;padding:20px 22px;color:#DCE3F0}
.result.show{display:block}
.result .big-label{font-size:.86rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-bright);font-weight:700}
.result .big{font-family:var(--serif);font-size:2.5rem;font-weight:600;color:#fff;line-height:1.15;margin:2px 0 8px;font-variant-numeric:tabular-nums}
.result .row{display:flex;justify-content:space-between;gap:14px;padding:6px 0;border-bottom:1px solid rgba(255,255,255,.13)}
.result .row:last-child{border-bottom:0}
.result .row b{color:#fff;text-align:right;font-variant-numeric:tabular-nums}
.result p{margin:8px 0 0;color:#B9C4D9;font-size:.95rem}
.result p b{color:#fff}
.chart-wrap{margin-top:14px;background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:12px;padding:12px 14px 6px}
.chart-wrap .chart-title{font-size:.85rem;letter-spacing:.08em;text-transform:uppercase;color:var(--gold-bright);font-weight:700;margin-bottom:4px}
.chart-wrap svg{width:100%;height:auto;display:block}
table.sched{width:100%;border-collapse:collapse;margin-top:14px;font-size:.92rem}
table.sched th{text-align:right;color:var(--gold-bright);font-weight:700;padding:5px 8px;border-bottom:1px solid rgba(255,255,255,.25)}
table.sched th:first-child{text-align:left}
table.sched td{text-align:right;color:#DCE3F0;padding:5px 8px;border-bottom:1px solid rgba(255,255,255,.08);font-variant-numeric:tabular-nums}
table.sched td:first-child{text-align:left;color:#fff}
.error{display:none;margin-top:14px;background:#FDECEC;border:1.5px solid #F5C2C2;color:#8C2B2B;border-radius:12px;padding:12px 16px}
.error.show{display:block}
.dyn-row{display:grid;grid-template-columns:1.2fr 1fr 1fr 1fr auto;gap:10px;margin-bottom:10px;align-items:end}
.dyn-row .field{margin-bottom:0}
.dyn-remove{background:#FDECEC;color:#8C2B2B;border:0;border-radius:10px;padding:13px 14px;cursor:pointer;font-weight:700}

/* ---------- content ---------- */
.content{padding:8px 0 4px}
.content h2{font-size:1.4rem;color:var(--navy);margin:26px 0 8px;letter-spacing:-.01em}
.content h3{font-size:1.1rem;color:var(--navy);margin:20px 0 6px}
.content p{margin:0 0 12px}
.content ul{margin:0 0 12px;padding-left:22px}
.content li{margin-bottom:5px}
.formula{background:var(--soft);border:1px solid var(--line);border-radius:12px;padding:14px 18px;font-size:1.04rem;text-align:center;margin:12px 0 16px;color:var(--navy);font-weight:600}
.example{background:#FBF7EA;border:1px solid #EBDCAC;border-radius:12px;padding:14px 18px;margin:12px 0 16px}
.example b{color:var(--gold-deep)}
.note{background:#FDF1F1;border:1px solid #F0D5D5;border-radius:12px;padding:14px 18px;margin:16px 0;font-size:.96rem}
.method{background:#fff;border:1px solid var(--line);border-left:4px solid var(--gold);border-radius:12px;padding:16px 20px;margin:22px 0 6px}
.method h2{font-size:1.2rem;color:var(--navy);margin:0 0 8px}
.method p{margin:0 0 10px}
.method p:last-child{margin-bottom:0}
.disclaimer{border:1px solid var(--line);border-radius:12px;padding:13px 18px;margin:20px 0 4px;font-size:.88rem;color:var(--muted);background:#fff}
.ref-table{width:100%;border-collapse:collapse;margin:12px 0 18px;background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden}
.ref-table th{background:var(--navy);color:#fff;text-align:left;padding:10px 14px;font-size:.95rem}
.ref-table td{padding:9px 14px;border-top:1px solid var(--line);font-size:.97rem}
.ref-table tr td:first-child{font-weight:600}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:13px 18px;margin-bottom:10px}
.faq summary{cursor:pointer;font-weight:600;color:var(--navy)}
.faq details p{margin:8px 0 2px;color:var(--ink)}
.related{padding:10px 0 34px}
.related h2{font-size:1.3rem;color:var(--navy);margin:18px 0 14px}

/* ---------- footer ---------- */
.site-footer{background:var(--navy-deep);color:#B9C4D9;margin-top:26px}
.footer-in{max-width:1180px;margin:0 auto;padding:30px 18px;display:grid;grid-template-columns:1.35fr 1fr 1fr 1fr;gap:26px}
.site-footer a{color:#EDF1F8}
.footer-brand{display:flex;align-items:center;gap:10px;color:#fff;font-weight:700;font-size:1.1rem}
.footer-brand img{width:34px;height:34px}
.site-footer h4{color:#fff;margin:0 0 10px;font-size:1rem}
.site-footer ul{list-style:none;margin:0;padding:0}
.site-footer li{margin-bottom:7px;font-size:.95rem}
.footer-note{border-top:1px solid rgba(255,255,255,.14);padding:14px 18px;text-align:center;font-size:.87rem;color:#8B96AD;max-width:1180px;margin:0 auto}

/* ---------- simple pages ---------- */
.simple-page{max-width:820px;margin:0 auto;padding-bottom:20px}
.simple-page h1{font-family:var(--serif);font-weight:600;font-size:1.85rem;color:var(--navy);margin:20px 0 10px}
.simple-page h2{font-size:1.25rem;color:var(--navy);margin:22px 0 6px}

/* ---------- mobile ---------- */
@media (max-width:720px){
  body{font-size:16px}
  .hero h1{font-size:1.7rem}
  .hero-in{padding:32px 16px 28px}
  .page-head h1{font-size:1.55rem}
  .grid-2,.grid-3{grid-template-columns:1fr}
  .dyn-row{grid-template-columns:1fr 1fr;align-items:stretch}
  .tool-box{padding:18px 16px}
  .result .big{font-size:1.9rem}
  .footer-in{grid-template-columns:1fr}
  .main-nav{margin-left:0}
  .header-in{gap:10px}
}

/* ---- embed program ---- */
.embed-box{margin:30px 0}
.embed-code{display:block;width:100%;font-family:ui-monospace,Consolas,Menlo,monospace;font-size:.82rem;line-height:1.45;
  color:var(--ink-soft);background:var(--soft);border:1px solid var(--line);border-radius:12px;padding:12px 14px;resize:vertical}
body.embed-page{background:#fff}
.embed-wrap{max-width:700px;margin:0 auto;padding:16px 14px 10px}
.embed-title{font-size:1.35rem;margin:2px 0 14px;color:var(--navy);letter-spacing:-.01em}
.embed-credit{text-align:center;color:var(--muted);font-size:.92rem;margin:14px 0 6px}
.embed-item{margin:0 0 22px}
.embed-item h3{margin:0 0 8px;font-size:1.05rem}
.embed-preview{font-size:.85rem;font-weight:600;margin-left:8px}