@font-face{font-family:'Fraunces';src:url('../fonts/fraunces-normal.7234ed860a.woff2') format('woff2-variations'),url('../fonts/fraunces-normal.7234ed860a.woff2') format('woff2');font-weight:200 400;font-style:normal;font-display:swap}
@font-face{font-family:'Fraunces';src:url('../fonts/fraunces-italic.066710ce7e.woff2') format('woff2-variations'),url('../fonts/fraunces-italic.066710ce7e.woff2') format('woff2');font-weight:200 400;font-style:italic;font-display:swap}
@font-face{font-family:'Inter';src:url('../fonts/inter-400.8909904ab6.woff2') format('woff2');font-weight:400;font-style:normal;font-display:swap}
@font-face{font-family:'Inter';src:url('../fonts/inter-500.f3779f1efc.woff2') format('woff2');font-weight:500;font-style:normal;font-display:swap}
@font-face{font-family:'JetBrains Mono';src:url('../fonts/jbmono-400.14425ba9c6.woff2') format('woff2');font-weight:400;font-style:normal;font-display:swap}
@font-face{font-family:'JetBrains Mono';src:url('../fonts/jbmono-500.cb182feeed.woff2') format('woff2');font-weight:500;font-style:normal;font-display:swap}
:root{--ch:#1A1715;--sl:#4D4940;--hn:#C29F4F;--bn:#F2EBDF;--ln:#FAF7F1;--ok:#C29F4F;--warn:#9A642E;--bad:#4D4940;--fd:'Fraunces',Georgia,serif;--fs:'Inter',sans-serif;--fm:'JetBrains Mono',monospace}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{background:var(--ln);color:var(--ch);font-family:var(--fs);font-size:16px;line-height:1.65;-webkit-font-smoothing:antialiased}
a{color:inherit}.ms{font-family:var(--fm);font-size:10.5px;letter-spacing:.14em;text-transform:uppercase}
nav{position:sticky;top:0;z-index:100;display:flex;align-items:center;justify-content:space-between;padding:17px 5vw;background:color-mix(in srgb,var(--ln) 92%,transparent);-webkit-backdrop-filter:blur(14px);backdrop-filter:blur(14px);border-bottom:1px solid color-mix(in srgb,var(--ch) 7%,transparent)}
.nb{display:flex;align-items:center;gap:12px;text-decoration:none}.nb svg{width:26px;height:26px}.nw{font-family:var(--fd);font-size:17px}.nl{display:flex;align-items:center;gap:14px}.lang{font-family:var(--fm);font-size:10px;letter-spacing:.14em;text-transform:uppercase;color:var(--sl);border:1px solid currentColor;border-radius:100px;padding:6px 12px;text-decoration:none}.navbtn{background:var(--ch);color:var(--bn);padding:11px 20px;border-radius:2px;text-decoration:none;font-size:13.5px}
.hero{padding:74px 5vw 42px;background:var(--bn);border-bottom:1px solid color-mix(in srgb,var(--ch) 8%,transparent)}.hero-inner{max-width:1180px;margin:0 auto}.kicker{color:var(--hn);display:block;margin-bottom:16px}.hero h1{font-family:var(--fd);font-size:clamp(36px,5.8vw,74px);line-height:1.04;font-weight:300;letter-spacing:-.02em;max-width:14ch}.hero .dek{font-size:17px;color:var(--sl);max-width:66ch;margin-top:22px}.hero-meta{display:flex;gap:20px;flex-wrap:wrap;margin-top:26px;color:var(--sl)}
.tool-shell{max-width:1180px;margin:0 auto;padding:46px 5vw 100px;display:grid;grid-template-columns:minmax(0,1fr) minmax(340px,.86fr);gap:34px;align-items:start}.panel{background:#fff;border:1px solid color-mix(in srgb,var(--ch) 10%,transparent);border-radius:4px;overflow:hidden}.panel-head{padding:24px 26px;border-bottom:1px solid color-mix(in srgb,var(--ch) 9%,transparent);display:flex;justify-content:space-between;align-items:flex-start;gap:18px}.panel-head h2{font-family:var(--fd);font-weight:400;font-size:25px}.panel-head p{color:var(--sl);font-size:13px;max-width:52ch}.panel-body{padding:24px 26px}.step{padding:26px 0;border-top:1px solid color-mix(in srgb,var(--ch) 9%,transparent)}.step:first-child{border-top:0;padding-top:0}.step-title{display:flex;align-items:center;gap:12px;margin-bottom:18px}.step-no{width:26px;height:26px;border-radius:50%;background:var(--ch);color:var(--bn);display:grid;place-items:center;font-family:var(--fm);font-size:10px}.step-title h3{font-family:var(--fd);font-size:20px;font-weight:400}.grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}.grid.one{grid-template-columns:1fr}.field{display:flex;flex-direction:column;gap:7px}.field label{font-size:12px;font-weight:500}.hint{font-size:11px;color:var(--sl);line-height:1.45}.control,select{width:100%;border:1px solid color-mix(in srgb,var(--ch) 17%,transparent);background:var(--ln);color:var(--ch);padding:12px 13px;border-radius:2px;font-family:var(--fs);font-size:14px;outline:none}.control:focus,select:focus{border-color:var(--hn);box-shadow:0 0 0 2px color-mix(in srgb,var(--hn) 18%,transparent)}.money-wrap{position:relative}.money-wrap .prefix{position:absolute;left:12px;top:50%;transform:translateY(-50%);font-family:var(--fm);font-size:10px;color:var(--sl)}.money-wrap input{padding-left:40px}.pct-wrap{position:relative}.pct-wrap:after{content:'%';position:absolute;right:12px;top:50%;transform:translateY(-50%);font-family:var(--fm);font-size:11px;color:var(--sl)}.pct-wrap input{padding-right:30px}
.segmented{display:grid;grid-template-columns:repeat(2,1fr);gap:8px}.segmented.three{grid-template-columns:repeat(3,1fr)}.segmented input{position:absolute;opacity:0}.segmented label{display:block;padding:11px 10px;border:1px solid color-mix(in srgb,var(--ch) 15%,transparent);background:var(--ln);text-align:center;font-size:12px;cursor:pointer;border-radius:2px;transition:.2s}.segmented input:checked+label{background:var(--ch);color:var(--bn);border-color:var(--ch)}
.toggle-row{display:flex;align-items:flex-start;justify-content:space-between;gap:18px;padding:13px 0}.toggle-row+.toggle-row{border-top:1px solid color-mix(in srgb,var(--ch) 7%,transparent)}.toggle-copy b{display:block;font-size:13px}.toggle-copy span{display:block;font-size:11.5px;color:var(--sl);margin-top:3px}.toggle{position:relative;width:44px;height:24px;flex:0 0 auto}.toggle input{opacity:0;width:0;height:0}.slider{position:absolute;inset:0;background:#d7d1c7;border-radius:30px;cursor:pointer;transition:.2s}.slider:before{content:'';position:absolute;width:18px;height:18px;left:3px;top:3px;background:#fff;border-radius:50%;transition:.2s;box-shadow:0 1px 4px rgba(0,0,0,.18)}.toggle input:checked+.slider{background:var(--hn)}.toggle input:checked+.slider:before{transform:translateX(20px)}
.actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:24px}.button{border:0;border-radius:2px;padding:12px 18px;font-family:var(--fs);font-size:13px;font-weight:500;cursor:pointer}.button.primary{background:var(--ch);color:var(--bn)}.button.secondary{background:transparent;border:1px solid color-mix(in srgb,var(--ch) 18%,transparent);color:var(--ch)}.button:hover{transform:translateY(-1px)}
.results{position:sticky;top:84px}.summary{background:var(--ch);color:var(--bn);padding:26px}.summary .label{font-family:var(--fm);font-size:10px;letter-spacing:.14em;text-transform:uppercase;color:color-mix(in srgb,var(--bn) 65%,transparent)}.summary .big{font-family:var(--fd);font-size:clamp(38px,5vw,58px);font-weight:300;line-height:1.05;margin-top:8px}.summary .sub{color:color-mix(in srgb,var(--bn) 72%,transparent);font-size:13px;margin-top:8px}.result-list{padding:12px 24px 22px;background:#fff}.result-row{display:grid;grid-template-columns:1fr auto;gap:18px;padding:14px 0;border-bottom:1px solid color-mix(in srgb,var(--ch) 8%,transparent)}.result-row:last-child{border-bottom:0}.result-row .name{font-size:13px}.result-row .desc{font-size:10.5px;color:var(--sl);margin-top:3px}.result-row .value{font-family:var(--fm);font-size:12px;text-align:right}.result-row.negative .value{color:var(--bad)}.result-row.tax .value{color:var(--warn)}.result-row.positive .value{color:var(--ok);font-weight:500}
.waterfall{padding:22px 24px;background:var(--bn);border-top:1px solid color-mix(in srgb,var(--ch) 8%,transparent)}.waterfall h3{font-family:var(--fd);font-weight:400;font-size:19px;margin-bottom:14px}.bar{height:22px;display:flex;border-radius:2px;overflow:hidden;background:#ddd}.bar span{min-width:0}.bar .kept{background:var(--ok)}.bar .platform{background:var(--bad)}.bar .local-tax{background:var(--hn)}.bar .withholding{background:var(--warn)}.bar .ops{background:#888179}.legend{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:8px 14px;margin-top:14px;font-size:10.5px;color:var(--sl)}.legend i{display:inline-block;width:8px;height:8px;border-radius:50%;margin-right:6px}.legend .kept{background:var(--ok)}.legend .platform{background:var(--bad)}.legend .local-tax{background:var(--hn)}.legend .withholding{background:var(--warn)}.legend .ops{background:#888179}
.notice{padding:20px 24px;background:#fff;border-top:1px solid color-mix(in srgb,var(--ch) 8%,transparent)}.notice strong{display:block;font-size:12px}.notice p{font-size:11.5px;color:var(--sl);margin-top:6px}.assumption-list{margin-top:14px}.assumption{display:flex;justify-content:space-between;gap:16px;font-size:11.5px;padding:8px 0;border-top:1px solid color-mix(in srgb,var(--ch) 7%,transparent)}.assumption span:last-child{font-family:var(--fm);text-align:right}
.explainer{max-width:960px;margin:0 auto;padding:0 5vw 100px}.explainer h2{font-family:var(--fd);font-weight:300;font-size:clamp(30px,4vw,46px);margin-bottom:20px}.explainer h3{font-family:var(--fd);font-size:22px;font-weight:400;margin:36px 0 10px}.explainer p,.explainer li{color:var(--sl)}.explainer ul{margin:14px 0 0 22px}.explainer li{margin-bottom:9px}.sources{margin-top:44px;padding-top:24px;border-top:1px solid color-mix(in srgb,var(--ch) 12%,transparent)}.sources-sub{font-family:var(--fm);font-size:10.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--sl);margin:22px 0 8px}.sources-sub:first-of-type{margin-top:14px}.sources a{color:var(--hn)}.sources li{font-size:13px}.cta{margin-top:50px;background:var(--ch);color:var(--bn);padding:34px}.cta h3{margin:0 0 10px;color:var(--bn)}.cta p{color:color-mix(in srgb,var(--bn) 75%,transparent)}.cta a{display:inline-block;margin-top:18px;background:var(--bn);color:var(--ch);padding:12px 18px;text-decoration:none;border-radius:2px;font-size:13px}
footer{padding:38px 5vw;text-align:center;color:var(--sl);font-size:11px;border-top:1px solid color-mix(in srgb,var(--ch) 8%,transparent)}
.hidden{display:none!important}.status{margin-top:12px;font-size:11px;color:var(--ok)}
@media(max-width:900px){.tool-shell{grid-template-columns:1fr}.results{position:static}.hero{padding-top:54px}.nl .navbtn{display:none}}
@media(max-width:620px){.grid{grid-template-columns:1fr}.segmented.three{grid-template-columns:1fr}.panel-head,.panel-body,.summary,.result-list,.waterfall,.notice{padding-left:18px;padding-right:18px}.hero h1{max-width:none}.legend{grid-template-columns:1fr}.tool-shell{padding-left:4vw;padding-right:4vw}}
@media print{nav,.actions,.cta,footer,.hero-meta{display:none!important}.hero{padding:20px 0}.tool-shell{display:block;padding:0}.panel{border:0}.results{margin-top:20px}.explainer{display:none}.summary{-webkit-print-color-adjust:exact;print-color-adjust:exact}.waterfall{-webkit-print-color-adjust:exact;print-color-adjust:exact}}


/* ----- shared finance-tools additions ----- */
.tool-switcher{display:flex;gap:8px;flex-wrap:wrap;margin-top:28px}.tool-switcher a{font-family:var(--fm);font-size:10px;letter-spacing:.1em;text-transform:uppercase;text-decoration:none;border:1px solid color-mix(in srgb,var(--ch) 15%,transparent);padding:9px 12px;background:color-mix(in srgb,var(--ln) 72%,transparent);color:var(--sl);border-radius:2px}.tool-switcher a.active{background:var(--ch);color:var(--bn);border-color:var(--ch)}
.suite-shell{max-width:1180px;margin:0 auto;padding:56px 5vw 110px}.suite-intro{max-width:760px;margin-bottom:36px}.suite-intro h2{font-family:var(--fd);font-weight:300;font-size:clamp(30px,4vw,48px);line-height:1.08}.suite-intro p{color:var(--sl);margin-top:14px}.suite-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}.suite-card{display:flex;flex-direction:column;min-height:360px;padding:30px;background:#fff;border:1px solid color-mix(in srgb,var(--ch) 10%,transparent);text-decoration:none;transition:.2s}.suite-card:hover{transform:translateY(-3px);border-color:var(--hn)}.suite-card .num{font-family:var(--fm);font-size:10px;letter-spacing:.14em;text-transform:uppercase;color:var(--hn)}.suite-card h2{font-family:var(--fd);font-weight:300;font-size:clamp(30px,3.6vw,46px);line-height:1.08;margin-top:54px}.suite-card p{color:var(--sl);margin-top:16px;max-width:49ch}.suite-card .arrow{margin-top:auto;padding-top:28px;font-family:var(--fm);font-size:11px;letter-spacing:.1em;text-transform:uppercase}.suite-card.dark{background:var(--ch);color:var(--bn)}.suite-card.dark p{color:color-mix(in srgb,var(--bn) 72%,transparent)}.suite-card.dark .arrow{color:var(--hn)}
.compare-shell{max-width:1180px;margin:0 auto;padding:46px 5vw 100px;display:grid;grid-template-columns:minmax(0,1fr) minmax(390px,.95fr);gap:34px;align-items:start}.compare-results{position:sticky;top:84px}.compare-summary{background:var(--ch);color:var(--bn);padding:26px}.compare-summary .eyebrow{font-family:var(--fm);font-size:10px;letter-spacing:.14em;text-transform:uppercase;color:color-mix(in srgb,var(--bn) 62%,transparent)}.compare-summary .headline{font-family:var(--fd);font-size:clamp(29px,4vw,46px);line-height:1.06;font-weight:300;margin-top:8px}.compare-summary .delta{font-family:var(--fm);font-size:12px;color:var(--hn);margin-top:14px}.strategy-grid{display:grid;grid-template-columns:1fr 1fr;background:#fff}.strategy-card{padding:22px;border-bottom:1px solid color-mix(in srgb,var(--ch) 8%,transparent)}.strategy-card+ .strategy-card{border-left:1px solid color-mix(in srgb,var(--ch) 8%,transparent)}.strategy-card .tag{font-family:var(--fm);font-size:9px;letter-spacing:.13em;text-transform:uppercase;color:var(--sl)}.strategy-card .money{font-family:var(--fd);font-size:30px;font-weight:300;margin-top:6px}.strategy-card .detail{font-size:11px;color:var(--sl);margin-top:4px}.strategy-card.winner{background:color-mix(in srgb,var(--ok) 8%,white)}.strategy-card.winner .tag{color:var(--ok)}
.compare-list{background:#fff;padding:8px 22px 22px}.compare-row{display:grid;grid-template-columns:minmax(0,1fr) auto auto;gap:14px;align-items:center;padding:12px 0;border-bottom:1px solid color-mix(in srgb,var(--ch) 7%,transparent)}.compare-row:last-child{border-bottom:0}.compare-row .label{font-size:12px}.compare-row .st,.compare-row .lt{font-family:var(--fm);font-size:11px;text-align:right;min-width:92px}.compare-row .st{color:var(--ok)}.compare-row .lt{color:var(--ch)}
.break-even{background:var(--bn);padding:22px;border-top:1px solid color-mix(in srgb,var(--ch) 8%,transparent)}.break-even h3{font-family:var(--fd);font-size:21px;font-weight:400}.break-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:14px}.break-card{background:color-mix(in srgb,var(--ln) 70%,white);padding:16px;border:1px solid color-mix(in srgb,var(--ch) 8%,transparent)}.break-card .k{font-family:var(--fm);font-size:9px;letter-spacing:.12em;text-transform:uppercase;color:var(--sl)}.break-card .v{font-family:var(--fd);font-size:29px;font-weight:300;margin-top:3px}.break-card p{font-size:10.5px;color:var(--sl);margin-top:4px}
.compare-bars{padding:22px;background:#fff;border-top:1px solid color-mix(in srgb,var(--ch) 8%,transparent)}.compare-bars h3{font-family:var(--fd);font-size:20px;font-weight:400;margin-bottom:16px}.barline{margin-top:13px}.barline .barlabel{display:flex;justify-content:space-between;gap:12px;font-size:11px;margin-bottom:5px}.bartrack{height:14px;background:#e6e0d5;overflow:hidden;border-radius:2px}.barfill{height:100%;transition:width .25s}.barfill.short{background:var(--ok)}.barfill.long{background:var(--hn)}
.assumption-warning{margin:0 22px 22px;padding:15px 16px;border-left:3px solid var(--warn);background:color-mix(in srgb,var(--warn) 8%,white);font-size:11.5px;color:var(--sl)}
.sensitivity{max-width:1180px;margin:0 auto;padding:0 5vw 90px}.sensitivity h2{font-family:var(--fd);font-size:clamp(28px,4vw,44px);font-weight:300}.sensitivity p{color:var(--sl);margin-top:10px}.table-wrap{overflow-x:auto;margin-top:24px;border:1px solid color-mix(in srgb,var(--ch) 10%,transparent);background:#fff}.sensitivity table{width:100%;border-collapse:collapse;min-width:690px}.sensitivity th,.sensitivity td{padding:13px 15px;border-bottom:1px solid color-mix(in srgb,var(--ch) 7%,transparent);text-align:right;font-size:12px}.sensitivity th:first-child,.sensitivity td:first-child{text-align:left}.sensitivity th{font-family:var(--fm);font-size:9px;letter-spacing:.1em;text-transform:uppercase;color:var(--sl);background:var(--bn)}.sensitivity tr.highlight td{background:color-mix(in srgb,var(--ok) 7%,white)}
.profile-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:24px}.profile{padding:22px;border:1px solid color-mix(in srgb,var(--ch) 10%,transparent);background:#fff}.profile h3{font-family:var(--fd);font-size:23px;font-weight:400;margin:0 0 10px}.profile ul{margin-left:18px}.profile li{font-size:12.5px;margin-bottom:8px;color:var(--sl)}
.inline-note{margin-top:14px;padding:12px 14px;background:var(--bn);font-size:11px;color:var(--sl);border-left:3px solid var(--hn)}
@media(max-width:1080px){.suite-grid{grid-template-columns:1fr}.compare-shell{grid-template-columns:1fr}.compare-results{position:static}.profile-grid{grid-template-columns:1fr}}
@media(max-width:900px){.suite-grid{grid-template-columns:1fr}.compare-shell{grid-template-columns:1fr}.compare-results{position:static}.profile-grid{grid-template-columns:1fr}}
@media(max-width:620px){.strategy-grid{grid-template-columns:1fr}.strategy-card+.strategy-card{border-left:0;border-top:1px solid color-mix(in srgb,var(--ch) 8%,transparent)}.compare-row{grid-template-columns:1fr auto}.compare-row .lt{grid-column:2}.compare-row .st:before{content:'ST ';color:var(--sl)}.compare-row .lt:before{content:'LT ';color:var(--sl)}.break-grid{grid-template-columns:1fr}.suite-card{min-height:310px}}
@media print{.tool-switcher,.sensitivity .actions{display:none!important}.compare-shell{display:block;padding:0}.compare-results{position:static;margin-top:20px}.sensitivity{padding:25px 0}.table-wrap{overflow:visible}.suite-shell{padding:0}}

/* ----- optional EUR / USD display layer ----- */
.currency-panel{display:grid;grid-template-columns:minmax(0,1fr) minmax(250px,.72fr);gap:24px;padding:22px 26px;background:color-mix(in srgb,var(--bn) 72%,white);border-bottom:1px solid color-mix(in srgb,var(--ch) 9%,transparent)}
.currency-copy .kicker{margin-bottom:7px}.currency-copy h3{font-family:var(--fd);font-weight:400;font-size:20px;line-height:1.18}.currency-copy p{font-size:11.5px;color:var(--sl);margin-top:7px;max-width:57ch}.currency-controls{align-self:center}.currency-choice{margin-bottom:10px}.fx-rate-wrap{display:grid;grid-template-columns:1fr;gap:6px;margin-top:10px}.fx-rate-wrap>label{font-size:10.5px;font-weight:500}.fx-rate-input{display:grid;grid-template-columns:auto minmax(94px,1fr) auto;align-items:center;gap:9px}.fx-rate-input span{font-family:var(--fm);font-size:10px;color:var(--sl);white-space:nowrap}.fx-rate-input .control{padding:9px 10px;font-family:var(--fm);font-size:12px}.fx-meta{font-size:10px;line-height:1.4;color:var(--sl);margin-top:9px}.currency-input-hint{margin:0 0 20px;padding:10px 12px;background:var(--bn);border-left:3px solid var(--hn)}
.fx-equivalent{display:block;font-family:var(--fm);font-size:9.5px;line-height:1.3;color:var(--sl);margin-top:1px}.fx-primary{display:block;white-space:nowrap}.fx-secondary{display:block;font-family:var(--fm);font-size:9px;line-height:1.25;color:color-mix(in srgb,currentColor 60%,var(--sl));margin-top:2px;white-space:nowrap}.summary .fx-secondary,.compare-summary .fx-secondary{color:color-mix(in srgb,var(--bn) 62%,transparent)}.strategy-card .fx-secondary{font-size:9px}.compare-row .fx-secondary,.result-row .fx-secondary{font-size:8.5px}.currency-result-note{margin-top:12px;color:color-mix(in srgb,var(--bn) 62%,transparent)}
@media(max-width:720px){.currency-panel{grid-template-columns:1fr;padding-left:18px;padding-right:18px}.currency-controls{max-width:100%}.fx-rate-input{grid-template-columns:auto 1fr auto}}
@media print{.currency-panel{border:0;padding:10px 0;background:transparent}.currency-choice,.fx-rate-wrap{display:none!important}.fx-meta{margin:0}.fx-secondary{color:#555!important}}