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h3{font-family:var(--font-display);font-weight:700;font-size:1.2rem;margin:.5rem 0 .75rem}.calc-root .edu-card p{color:var(--gray);font-size:.95rem;line-height:1.6}.calc-root .edu-card-icon{font-size:1.75rem}.calc-root .edu-card.hidden-costs{border-color:color-mix(in srgb,var(--red) 35%,var(--line))}.calc-root .hidden-costs-list{list-style:none;padding:0;margin:0}.calc-root .hidden-costs-list li{position:relative;padding-left:1.4rem;margin-bottom:.5rem;color:var(--gray);font-size:.9rem}.calc-root .hidden-costs-list li:before{content:"→";position:absolute;left:0;color:var(--red)}.calc-root .benchmark{text-align:center;padding:clamp(3rem,7vw,5rem) 0}.calc-root .benchmark>.container>p{max-width:52ch;margin:.75rem auto 2.5rem}.calc-root .ratio-meter{max-width:820px;margin:0 auto}.calc-root .ratio-meter-bar{display:grid;grid-template-columns:repeat(5,1fr);gap:4px;margin-bottom:1rem}.calc-root .ratio-meter-bar>div{height:8px;border-radius:4px}.calc-root 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.period-select-group{display:flex;gap:.5rem;flex-wrap:wrap;margin-bottom:1rem}.calc-root .period-btn{flex:1;min-width:120px;background:var(--bg);color:var(--gray);border:1px solid var(--line);border-radius:10px;padding:.65rem;font-family:var(--font-body);font-size:.88rem;cursor:pointer;transition:all .2s ease}.calc-root .period-btn.active{background:var(--red);color:var(--cream);border-color:var(--red)}.calc-root .calc-total-row{display:flex;justify-content:space-between;align-items:center;background:var(--bg);border:1px solid var(--line);border-radius:12px;padding:1rem 1.2rem;font-family:var(--font-display);font-weight:600}.calc-root .calc-total-row span:last-child{color:var(--red);font-weight:800;font-size:1.15rem}.calc-root .nav-row{display:flex;justify-content:space-between;align-items:center;gap:1rem;margin-top:1.75rem}.calc-root .progress-steps{display:flex;align-items:center;gap:.4rem;margin-bottom:1.75rem;flex-wrap:wrap}.calc-root .progress-step{display:flex;align-items:center;gap:.45rem;opacity:.5}.calc-root .progress-step.active,.calc-root .progress-step.done{opacity:1}.calc-root .step-circle{width:26px;height:26px;border-radius:50%;display:grid;place-items:center;font-size:.78rem;font-weight:700;background:var(--surface-2);border:1px solid var(--line);color:var(--gray)}.calc-root .progress-step.active .step-circle{background:var(--red);color:var(--cream);border-color:var(--red)}.calc-root .progress-step.done .step-circle{background:var(--ok);color:#fff;border-color:var(--ok)}.calc-root .step-label{font-size:.82rem;color:var(--gray)}.calc-root .progress-step.active .step-label{color:var(--cream)}.calc-root .type-grid{display:grid;grid-template-columns:1fr;gap:1rem;margin-bottom:.5rem}.calc-root .type-card{text-align:left;background:var(--bg);border:1px solid var(--line);border-radius:14px;padding:1.4rem;cursor:pointer;transition:all .2s ease}.calc-root .type-card:hover{border-color:var(--gray)}.calc-root .type-card.selected{border-color:var(--red);background:color-mix(in srgb,var(--red) 8%,var(--bg))}.calc-root .type-card-icon{font-size:1.6rem;margin-bottom:.5rem}.calc-root .type-card h3{font-family:var(--font-display);font-weight:700;font-size:1.1rem;margin-bottom:.35rem}.calc-root .type-card p{color:var(--gray);font-size:.9rem;line-height:1.5}.calc-root .results-top{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:14px;overflow:hidden;margin-bottom:1.5rem}.calc-root .result-metric{background:var(--bg);padding:1.4rem 1rem;text-align:center}.calc-root .result-metric.highlight{background:color-mix(in srgb,var(--red) 12%,var(--bg))}.calc-root .result-metric-label{font-size:.78rem;color:var(--gray);margin-bottom:.4rem}.calc-root .result-metric-value{font-family:var(--font-display);font-weight:800;font-size:clamp(1.4rem,4vw,2rem);color:var(--cream)}.calc-root .result-metric.highlight .result-metric-value{color:var(--red)}.calc-root .rating-card{border-radius:14px;padding:1.5rem;margin-bottom:1.75rem;border:1px solid var(--line);background:var(--surface)}.calc-root .rating-card.critical,.calc-root .rating-card.thin{border-color:color-mix(in srgb,var(--red) 50%,var(--line));background:color-mix(in srgb,var(--red) 7%,var(--surface))}.calc-root .rating-card.benchmark,.calc-root .rating-card.strong{border-color:color-mix(in srgb,var(--ok) 45%,var(--line))}.calc-root .rating-card h3{font-family:var(--font-display);font-weight:700;font-size:1.15rem;margin:.6rem 0}.calc-root .rating-card p{color:var(--gray);font-size:.92rem;line-height:1.6}.calc-root .rating-badge{display:inline-block;font-size:.7rem;font-weight:700;text-transform:uppercase;letter-spacing:.1em;padding:.3rem .7rem;border-radius:999px;background:var(--surface-2);color:var(--gray)}.calc-root .rating-badge.critical,.calc-root .rating-badge.thin{background:var(--red);color:var(--cream)}.calc-root 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p{color:var(--gray);margin-bottom:1.25rem}@media(min-width:720px){.calc-root .edu-grid{grid-template-columns:repeat(2,1fr)}.calc-root .edu-card.hidden-costs{grid-column:span 2}.calc-root .input-grid,.calc-root .type-grid{grid-template-columns:repeat(2,1fr)}}