:root{
    --cream:#F5F2EB; --terra:#D68B4F; --terra-dark:#C2763B; --terra-deep:#AF5E2B;
    --espresso:#23262B; --ink:#292C31; --muted:#726D63; --line:#E6DFD2;
    --brick:#B4472E; --green:#3E7C5A;
  }
  *{box-sizing:border-box;margin:0;padding:0}
  body{
    font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
    background:var(--cream); color:var(--ink); line-height:1.5;
    -webkit-font-smoothing:antialiased;
  }
  .topbar{
    background:var(--cream); border-bottom:1px solid var(--line);
    padding:16px 24px; display:flex; align-items:center; gap:10px;
  }
  .logo-dot{width:26px;height:26px;border-radius:50%;background:var(--terra);
    display:inline-flex;align-items:center;justify-content:center;color:var(--cream);
    font-weight:700;font-size:14px}
  .wordmark{font-weight:700;letter-spacing:-.01em;color:var(--ink)}
  .wrap{max-width:920px;margin:0 auto;padding:32px 20px 60px}
  .hero{text-align:center;margin:16px 0 28px}
  .hero h1{font-size:clamp(28px,5vw,40px);letter-spacing:-.02em;color:var(--ink)}
  .hero p{color:var(--muted);max-width:560px;margin:12px auto 0;font-size:17px}
  .grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}
  @media(max-width:760px){.grid{grid-template-columns:1fr}}
  .card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:24px}
  .card h2{font-size:15px;text-transform:uppercase;letter-spacing:.06em;
    color:var(--muted);margin-bottom:18px;font-weight:700}
  .field{margin-bottom:16px}
  .field label{display:block;font-size:14px;font-weight:600;margin-bottom:6px;color:var(--ink)}
  .field .hint{font-size:12px;color:var(--muted);font-weight:400}
  .field input[type=number]{
    width:100%;padding:11px 12px;border:1px solid var(--line);border-radius:9px;
    font-size:16px;background:var(--cream);color:var(--ink)
  }
  .field input:focus{outline:none;border-color:var(--terra);background:#fff}
  .assump{margin-top:8px;padding-top:16px;border-top:1px dashed var(--line)}
  .assump .field{display:flex;align-items:center;justify-content:space-between;gap:12px}
  .assump input{width:88px}
  .result-panel{background:var(--espresso);color:var(--cream);border:none}
  .result-panel h2{color:#cbb9a3}
  .result-row{display:flex;justify-content:space-between;align-items:baseline;
    padding:14px 0;border-bottom:1px solid rgba(255,255,255,.09)}
  .result-row:last-of-type{border-bottom:none}
  .result-row .rl{font-size:14px;color:#d9cfc0;max-width:62%}
  .result-row .rv{font-size:22px;font-weight:700;font-variant-numeric:tabular-nums}
  .red{color:#f0836a}
  .headline{margin-top:14px;padding:18px;border-radius:10px;background:rgba(180,71,46,.16);
    border:1px solid rgba(240,131,106,.35);text-align:center}
  .headline .lbl{font-size:13px;text-transform:uppercase;letter-spacing:.06em;color:#e6b8ab}
  .headline .amt{font-size:38px;font-weight:800;color:#f0836a;margin-top:4px;
    font-variant-numeric:tabular-nums;letter-spacing:-.02em}
  .cta{margin-top:22px;text-align:center}
  .cta a{display:inline-block;background:var(--terra);color:#fff;text-decoration:none;
    font-weight:700;padding:14px 26px;border-radius:10px;font-size:16px}
  .cta a:hover{background:var(--terra-dark)}
  .cta p{color:#d9cfc0;font-size:14px;margin-bottom:14px;max-width:420px;margin-left:auto;margin-right:auto}
  .note{color:var(--muted);font-size:12px;text-align:center;margin-top:26px;line-height:1.6}
  .footer{text-align:center;color:var(--muted);font-size:13px;margin-top:34px;
    padding-top:20px;border-top:1px solid var(--line)}