:root{--bg:#f2faf8;--card:#fff;--tx:#10243a;--mut:#53667a;--ac:#0f766e;--ac2:#14b8a6;--g2:#2563eb;--int:#d9480f;--bd:#d5e6e3;--ad:#eaf5f3;--fld:#f6fbfa;--mint:#e0f6ef;--peach:#ffefe4;--sky:#e4eeff;--sun:#fff4c9;--sh:0 10px 30px rgba(16,36,58,.07);
box-sizing:border-box;padding-top:env(safe-area-inset-top,0px);padding-bottom:env(safe-area-inset-bottom,0px)}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]){--bg:#0b1620;--card:#12212e;--tx:#e6f1f5;--mut:#9db2c0;--ac:#2dd4bf;--ac2:#14b8a6;--g2:#60a5fa;--int:#fb923c;--bd:#23394a;--ad:#162a38;--fld:#0e1b26;--mint:#0f2f2b;--peach:#33211a;--sky:#14233f;--sun:#3a3214;--sh:0 10px 30px rgba(0,0,0,.35)}}
:root[data-theme="dark"]{--bg:#0b1620;--card:#12212e;--tx:#e6f1f5;--mut:#9db2c0;--ac:#2dd4bf;--ac2:#14b8a6;--g2:#60a5fa;--int:#fb923c;--bd:#23394a;--ad:#162a38;--fld:#0e1b26;--mint:#0f2f2b;--peach:#33211a;--sky:#14233f;--sun:#3a3214;--sh:0 10px 30px rgba(0,0,0,.35)}
html{scroll-padding-top:calc(env(safe-area-inset-top,0px) + 64px)}
*,*:before,*:after{box-sizing:inherit}
body{margin:0;color:var(--tx);font:16px/1.65 "IBM Plex Sans",system-ui,sans-serif;background:radial-gradient(900px 420px at 8% -8%,var(--mint),transparent 65%),radial-gradient(800px 420px at 100% 0,var(--sky),transparent 60%),var(--bg);background-repeat:no-repeat}
.wrap{max-width:1080px;margin:0 auto;padding:20px 16px 56px}
h1,h2,h3{font-family:"Bricolage Grotesque","IBM Plex Sans",sans-serif;line-height:1.15;margin:0 0 .5em;letter-spacing:-.01em}
h1{font-size:clamp(2rem,5vw,3rem);font-weight:800;margin-top:14px}
h2{font-size:1.5rem;margin-top:1.7em}h3{font-size:1.15rem}
main>h1{background:linear-gradient(90deg,var(--ac),var(--g2));-webkit-background-clip:text;background-clip:text;color:transparent;display:inline-block}
p{margin:0 0 1em;max-width:70ch}.sub{color:var(--mut);font-size:1.08rem}
a{color:var(--ac)}
.card{background:var(--card);border:1px solid var(--bd);border-radius:18px;padding:20px;margin:18px 0;box-shadow:var(--sh);animation:rise .45s ease both}
@keyframes rise{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
@media(prefers-reduced-motion:reduce){.card{animation:none}.tile{transition:none}}
.row{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr auto;gap:8px;align-items:end;margin-bottom:10px}
label{display:block;font-size:.8rem;font-weight:500;color:var(--mut);margin-bottom:4px}
input[type=text],input[type=number],select{width:100%;padding:10px 12px;border:1.5px solid var(--bd);border-radius:10px;background:var(--fld);color:var(--tx);font:inherit;transition:border-color .15s,box-shadow .15s}
input:hover,select:hover{border-color:var(--ac2)}
input:focus,select:focus{outline:none;border-color:var(--ac2);box-shadow:0 0 0 4px color-mix(in srgb,var(--ac2) 25%,transparent)}
button:focus-visible,a:focus-visible,summary:focus-visible{outline:2px solid var(--ac2);outline-offset:2px}
button{font:inherit;font-weight:500;cursor:pointer;border-radius:999px;border:1.5px solid var(--bd);background:var(--card);color:var(--tx);padding:9px 16px;transition:transform .12s,border-color .15s,background .15s}
button:hover{border-color:var(--ac2);transform:translateY(-1px)}
button.x{color:var(--int);padding:9px 12px;border-radius:10px}
button.add{border-style:dashed;margin-top:4px;color:var(--ac)}
.opts{display:flex;flex-wrap:wrap;gap:16px;align-items:end;margin-top:14px}
.seg{display:inline-flex;border:1.5px solid var(--bd);border-radius:999px;overflow:hidden;background:var(--fld)}
.seg label{margin:0;padding:9px 16px;cursor:pointer;color:var(--tx);font-size:.95rem}
.seg input{position:absolute;opacity:0}
.seg input:checked+span{font-weight:600}
.seg label:has(input:checked){background:linear-gradient(135deg,var(--ac),var(--g2));color:#fff}
.seg label:has(input:focus-visible){outline:2px solid var(--ac2);outline-offset:-2px}
.hero{display:flex;flex-wrap:wrap;gap:20px;align-items:baseline;justify-content:space-between}
.date{font-family:"Bricolage Grotesque",sans-serif;font-weight:800;font-size:clamp(2.3rem,8vw,3.8rem);line-height:1.05;background:linear-gradient(90deg,var(--ac),var(--g2));-webkit-background-clip:text;background-clip:text;color:transparent}
.stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:12px;margin-top:18px}
.stat{background:var(--sky);border-radius:14px;padding:12px 14px}.stat b{display:block;font-size:1.3rem;line-height:1.25}
.stat.save{background:var(--mint)}.stat.save b{color:var(--ac)}.stat.int{background:var(--peach)}.stat.int b{color:var(--int)}
.stat span{color:var(--mut);font-size:.85rem}
table{width:100%;border-collapse:collapse;font-size:.95rem}
th,td{text-align:left;padding:9px 8px;border-bottom:1px solid var(--bd)}th{color:var(--mut);font-weight:500;font-size:.85rem}
tbody tr:hover{background:var(--fld)}
.scroll{overflow-x:auto}
.ad{background:repeating-linear-gradient(135deg,var(--ad),var(--ad) 10px,transparent 10px,transparent 20px);border:1px dashed var(--bd);border-radius:14px;min-height:100px;display:flex;align-items:center;justify-content:center;color:var(--mut);font-size:.8rem;margin:22px 0}
.warn{color:var(--int);font-weight:500}
details{background:var(--card);border:1px solid var(--bd);border-radius:12px;padding:12px 16px;margin:8px 0}summary{cursor:pointer;font-weight:600}details[open] summary{margin-bottom:6px}
svg{width:100%;height:auto;display:block}
.fg{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:14px}
.bar{display:flex;height:16px;border-radius:999px;overflow:hidden;margin:16px 0 10px;background:var(--bd)}
.leg{display:flex;flex-wrap:wrap;gap:6px 16px;font-size:.9rem}.leg i{display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:6px}
.top{background:color-mix(in srgb,var(--card) 82%,transparent);-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);border-bottom:1px solid var(--bd);position:sticky;top:env(safe-area-inset-top,0px);z-index:5}
.top .in{max-width:1080px;margin:0 auto;padding:10px 16px;display:flex;flex-wrap:wrap;gap:6px 20px;align-items:center;justify-content:space-between}
.logo{font-family:"Bricolage Grotesque",sans-serif;font-weight:800;font-size:1.3rem;color:var(--tx);text-decoration:none}
.links{display:flex;flex-wrap:wrap;gap:4px 6px}.links a{color:var(--mut);text-decoration:none;font-size:.95rem;padding:6px 12px;border-radius:999px;transition:background .15s,color .15s}.links a:hover{background:var(--mint);color:var(--ac)}
.links a[aria-current]{background:var(--mint);color:var(--ac);font-weight:600}
.hint{color:var(--mut);font-size:.9rem;margin:-4px 0 14px}.stepr{margin:24px 0 -6px}
.card button{margin-right:6px}
.tl{padding-left:1.2em;max-width:70ch}.tl li{margin-bottom:.6em}
footer{color:var(--mut);font-size:.85rem;margin-top:36px;border-top:1px solid var(--bd);padding-top:18px}footer a{color:var(--mut);margin-right:14px}
.tool{display:grid;grid-template-columns:minmax(300px,380px) 1fr;gap:22px;align-items:start;margin-top:8px}
.tool .card{margin:18px 0 0}.tool>div>*:first-child{margin-top:0}
.tool .row{grid-template-columns:1fr 1fr}.tool .row .nm{grid-column:1/-1}
.in-col .card{border-top:4px solid var(--ac2)}
article{max-width:760px}article h2{padding-left:12px;border-left:4px solid var(--ac2)}
.hb{background:linear-gradient(135deg,var(--h1) 0%,var(--h2) 58%,var(--h3) 100%);color:#fff;border-radius:26px;padding:clamp(24px,5vw,44px);margin:14px 0 6px;box-shadow:0 18px 40px rgba(29,111,216,.25);position:relative;overflow:hidden}
.hb:after{content:"";position:absolute;right:-60px;top:-60px;width:240px;height:240px;border-radius:50%;background:radial-gradient(circle,rgba(255,255,255,.28),transparent 70%)}
.hb h1{color:#fff;-webkit-text-fill-color:#fff;background:none;margin:0 0 .3em}.hb .sub{color:rgba(255,255,255,.92);margin-bottom:16px}
.chips{display:flex;flex-wrap:wrap;gap:8px;position:relative;z-index:1}.chips span{background:rgba(255,255,255,.18);border:1px solid rgba(255,255,255,.35);border-radius:999px;padding:5px 14px;font-size:.88rem;font-weight:500}
.tiles{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:14px;margin:12px 0 30px}
.tile{display:flex;gap:14px;align-items:flex-start;background:var(--card);border:1px solid var(--bd);border-radius:16px;padding:16px;color:var(--tx);text-decoration:none;box-shadow:var(--sh);transition:transform .15s,border-color .15s,box-shadow .15s}
.tile:hover{transform:translateY(-3px);border-color:var(--ac2)}
.tile b{display:block;color:var(--tx);margin-bottom:2px;line-height:1.25}.tile span{color:var(--mut);font-size:.9rem;line-height:1.4}
.ico{font-style:normal;flex:none;width:44px;height:44px;border-radius:14px;display:grid;place-items:center;font-size:1.4rem;background:var(--mint)}
.tile:nth-child(3n+2) .ico{background:var(--sky)}.tile:nth-child(3n) .ico{background:var(--peach)}.tile:nth-child(5n) .ico{background:var(--sun)}
.sl a{display:inline-block;margin:2px 14px 2px 0}
.rbar{position:fixed;left:0;right:0;bottom:0;z-index:6;display:flex;gap:10px;align-items:baseline;justify-content:space-between;padding:10px 16px calc(10px + env(safe-area-inset-bottom,0px));background:var(--card);border-top:2px solid var(--ac2);box-shadow:0 -8px 24px rgba(16,36,58,.12)}
.rbar[hidden]{display:none}.rbar span{color:var(--mut);font-size:.85rem}.rbar b{color:var(--ac);font-size:1.2rem}.rbar a{color:var(--ac);font-size:.9rem;font-weight:600}
@media(max-width:899px){.tool{display:block}.tool .card{margin:18px 0}.tool>div>*:first-child{margin-top:18px}}
@media(max-width:640px){.row{grid-template-columns:1fr 1fr}.row .nm{grid-column:1/-1}}
@media(min-width:900px){.rbar{display:none}}
@media print{.top,.ad,footer,article,.add,#ex,#clr,.hb:after{display:none}}
:root{--h1:#0b7f77;--h2:#1d6fd8;--h3:#6d4ae0}
[data-cat="debt"]{--ac:#1d4ed8;--ac2:#3b82f6;--g2:#0284c7;--mint:#e3edff;--sky:#dff3fd;--h1:#1e3a8a;--h2:#1d4ed8;--h3:#0369a1}
[data-cat="invest"]{--ac:#047857;--ac2:#10b981;--g2:#0f766e;--mint:#dcf7e8;--sky:#d9f5f0;--h1:#064e3b;--h2:#047857;--h3:#0f766e}
[data-cat="tax"]{--ac:#6d28d9;--ac2:#8b5cf6;--g2:#4f46e5;--mint:#ede7fe;--sky:#e6e8ff;--h1:#4c1d95;--h2:#6d28d9;--h3:#4338ca}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]) [data-cat="debt"]{--ac:#7db4ff;--ac2:#3b82f6;--g2:#38bdf8;--mint:#14284a;--sky:#0f2a3d}}
:root[data-theme="dark"] [data-cat="debt"]{--ac:#7db4ff;--ac2:#3b82f6;--g2:#38bdf8;--mint:#14284a;--sky:#0f2a3d}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]) [data-cat="invest"]{--ac:#34d399;--ac2:#10b981;--g2:#2dd4bf;--mint:#0f2f27;--sky:#0f2b2b}}
:root[data-theme="dark"] [data-cat="invest"]{--ac:#34d399;--ac2:#10b981;--g2:#2dd4bf;--mint:#0f2f27;--sky:#0f2b2b}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]) [data-cat="tax"]{--ac:#b49cff;--ac2:#8b5cf6;--g2:#818cf8;--mint:#241a44;--sky:#1d1f45}}
:root[data-theme="dark"] [data-cat="tax"]{--ac:#b49cff;--ac2:#8b5cf6;--g2:#818cf8;--mint:#241a44;--sky:#1d1f45}
.links a[href="debt-and-loan-calculators.html"]{--dot:#3b82f6;--ac:#1d4ed8;--mint:#e3edff}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]) .links a[href="debt-and-loan-calculators.html"]{--ac:#7db4ff;--mint:#14284a}}
.links a[href="investing-calculators.html"]{--dot:#10b981;--ac:#047857;--mint:#dcf7e8}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]) .links a[href="investing-calculators.html"]{--ac:#34d399;--mint:#0f2f27}}
.links a[href="tax-calculators.html"]{--dot:#8b5cf6;--ac:#6d28d9;--mint:#ede7fe}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]) .links a[href="tax-calculators.html"]{--ac:#b49cff;--mint:#241a44}}
.links a[href$="-calculators.html"]::before{content:"";display:inline-block;width:8px;height:8px;border-radius:50%;background:var(--dot);margin-right:7px}
.pill{display:inline-block;background:var(--mint);color:var(--ac);font-size:.8rem;font-weight:600;padding:4px 12px;border-radius:999px;text-decoration:none;margin-top:10px}
.pill:hover{background:var(--ac);color:var(--card)}
section[data-cat] h2{padding-left:12px;border-left:4px solid var(--ac2)}

/* VIBRANT */
:root{--bg:#eef8ff;--bd:#cfe0ec;--ad:#e1f0fb;--fld:#f3f9ff;--mint:#c9f5e6;--sky:#d3e5ff;--peach:#ffe0cc;--sun:#ffeaa0;--h1:#00897b;--h2:#2563eb;--h3:#7c3aed;--rb:linear-gradient(90deg,#14b8a6,#3b82f6,#8b5cf6,#ec4899,#f59e0b)}
[data-cat="debt"]{--ac:#1d4ed8;--ac2:#2f7bff;--g2:#0ea5e9;--mint:#d0e2ff;--sky:#c4edff;--h1:#1d4ed8;--h2:#2f7bff;--h3:#00a3e0}
[data-cat="invest"]{--ac:#047857;--ac2:#0fc27b;--g2:#0d9488;--mint:#c4f5da;--sky:#bff2e8;--h1:#047857;--h2:#0a9f6d;--h3:#14b8a6}
[data-cat="tax"]{--ac:#6d28d9;--ac2:#9b5cff;--g2:#4f46e5;--mint:#e2d6ff;--sky:#d6dcff;--h1:#6d28d9;--h2:#8b3dff;--h3:#4f6bff}
body{background:radial-gradient(900px 460px at 6% -8%,var(--mint),transparent 65%),radial-gradient(800px 460px at 100% 0,var(--sky),transparent 60%),radial-gradient(600px 400px at 50% 40%,color-mix(in srgb,var(--sun) 35%,transparent),transparent 70%),var(--bg);background-repeat:no-repeat}
.top::before{content:"";position:absolute;left:0;right:0;top:0;height:4px;background:var(--rb)}
footer{border-top:3px solid;border-image:var(--rb) 1}
.card{box-shadow:0 14px 34px color-mix(in srgb,var(--ac2) 20%,transparent)}
.hb{background:linear-gradient(90deg,rgba(0,15,40,.30),rgba(0,15,40,0) 75%),linear-gradient(135deg,var(--h1),var(--h2) 58%,var(--h3));box-shadow:0 20px 44px color-mix(in srgb,var(--h2) 38%,transparent)}
.stat{border-left:4px solid var(--ac2)}.stat.int{border-left-color:var(--int)}
.tile{border-top:4px solid var(--ac2);box-shadow:0 10px 26px color-mix(in srgb,var(--ac2) 16%,transparent)}
.tile:hover{box-shadow:0 16px 34px color-mix(in srgb,var(--ac2) 32%,transparent)}
.tile:nth-child(3n+2){border-top-color:var(--g2)}.tile:nth-child(3n){border-top-color:#f59e0b}
.in-col .card{border-top:5px solid var(--ac2)}
button:hover{background:var(--mint)}
.pill{background:var(--mint);border:1px solid color-mix(in srgb,var(--ac2) 40%,transparent)}
.ad.live{border:0;background:none;min-height:0}

/* COMPACT */
body{font-size:15px;line-height:1.55}
.wrap{max-width:1200px;padding:12px 18px 40px}
.top .in{max-width:1200px;padding:6px 18px}.logo{font-size:1.15rem}.links a{font-size:.88rem;padding:5px 10px}
h1{font-size:clamp(1.5rem,3vw,1.9rem);margin:8px 0 4px}h2{font-size:1.2rem;margin-top:1.4em}h3{font-size:1.02rem}
.sub{font-size:.95rem;margin-bottom:.6em}
.card{padding:14px 16px;margin:12px 0;border-radius:14px}
.tool{grid-template-columns:minmax(320px,410px) 1fr;gap:16px;margin-top:4px}.tool .card{margin:12px 0 0}
.fg{grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:10px}
label{font-size:.75rem;margin-bottom:2px}
input[type=text],input[type=number],select{padding:7px 10px;font-size:.95rem;border-radius:8px}
.date{font-size:clamp(1.9rem,5vw,2.6rem)}
.stats{grid-template-columns:repeat(auto-fit,minmax(130px,1fr));gap:8px;margin-top:12px}
.stat{padding:9px 11px;border-radius:10px}.stat b{font-size:1.1rem}.stat span{font-size:.78rem}
table{font-size:.88rem}th,td{padding:6px 6px}
.hb{padding:clamp(16px,3vw,26px);border-radius:18px;margin:8px 0 4px}.hb h1{font-size:clamp(1.6rem,3.2vw,2.2rem)}.hb .sub{font-size:1rem;margin-bottom:10px}.chips span{padding:3px 11px;font-size:.8rem}
.tiles{grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:10px;margin:8px 0 18px}.tile{padding:11px 12px;gap:10px;border-radius:12px}.ico{width:36px;height:36px;font-size:1.2rem;border-radius:10px}.tile b{font-size:.95rem}.tile span{font-size:.8rem}
.ad{min-height:90px;margin:14px 0}
article{max-width:860px;font-size:.95rem}article h2{font-size:1.12rem;margin-top:1.3em}
details{padding:8px 12px;margin:6px 0}
footer{margin-top:24px;padding-top:12px;font-size:.8rem}
.pill{margin-top:4px;font-size:.72rem;padding:3px 10px}
.opts{gap:10px;margin-top:10px}.seg label{padding:7px 14px;font-size:.88rem}
button{padding:6px 14px;font-size:.88rem}
.leg{font-size:.82rem}.bar{height:12px;margin:10px 0 8px}
[id$="-ch"] svg{max-height:230px}
.post{max-width:780px;font-size:1rem;line-height:1.7}.post h1{font-size:clamp(1.7rem,3.4vw,2.2rem)}.post h2{font-size:1.25rem;margin-top:1.5em;padding-left:12px;border-left:4px solid var(--ac2)}
.meta{color:var(--mut);font-size:.85rem;margin:0 0 1.2em}
.cta{margin:1.4em 0}.btn{display:inline-block;background:linear-gradient(135deg,var(--ac),var(--g2));color:#fff;font-weight:600;text-decoration:none;padding:10px 20px;border-radius:999px;box-shadow:0 8px 20px color-mix(in srgb,var(--ac2) 35%,transparent)}.btn:hover{transform:translateY(-1px)}

/* THREE COLUMN */
body:has(.t3) .wrap,body:has(.t3) .top .in{max-width:1320px}
.t3 .side{font-size:.9rem;line-height:1.55;min-width:0}
.t3 .side>:first-child{margin-top:0}
.t3 .side h2{font-size:1.02rem;margin-top:1.1em;padding-left:10px}
.t3 .side p{max-width:none;margin-bottom:.7em}
.t3 .side .ad{min-height:200px;margin:0 0 14px}
.t3 .side table{font-size:.78rem}.t3 .side th,.t3 .side td{padding:5px 4px}
.t3 .side details{padding:7px 11px;margin:6px 0}
.t3 .side .tl{padding-left:1.1em;margin:0 0 .6em}
@media(min-width:1180px){.t3{grid-template-columns:300px minmax(0,1fr) 340px;gap:16px}.t3 .fg{grid-template-columns:1fr 1fr;gap:8px}.t3 .side{align-self:start;margin-top:12px}}
@media(min-width:900px) and (max-width:1179px){.t3{grid-template-columns:minmax(300px,380px) 1fr}.t3 .side{grid-column:1/-1;columns:2;column-gap:28px;margin-top:6px}.t3 .side .ad{column-span:all}.t3 .side details,.t3 .side table,.t3 .side .scroll{break-inside:avoid}}
@media(max-width:899px){.t3 .side{margin-top:6px}}