:root{--bg: #f6f8fc;--surface: #ffffff;--surface-2: #f1f5f9;--text: #0f172a;--muted: #64748b;--border: #e2e8f0;--primary: #2563eb;--primary-600: #1d4ed8;--primary-050: #eff4ff;--accent: #16a34a;--accent-050: #ecfdf3;--danger: #dc2626;--radius: 14px;--radius-sm: 10px;--shadow-sm: 0 1px 2px rgba(15, 23, 42, .06);--shadow: 0 4px 16px rgba(15, 23, 42, .08);--container: 1080px;--header-h: 60px}:root[data-theme=dark]{--bg: #0b1120;--surface: #131c2e;--surface-2: #1c2740;--text: #e8edf6;--muted: #94a3b8;--border: #243049;--primary: #3b82f6;--primary-600: #60a5fa;--primary-050: #16233f;--accent: #22c55e;--accent-050: #0f2a1c;--shadow-sm: 0 1px 2px rgba(0, 0, 0, .4);--shadow: 0 6px 20px rgba(0, 0, 0, .45)}@media(prefers-color-scheme:dark){:root:not([data-theme=light]){--bg: #0b1120;--surface: #131c2e;--surface-2: #1c2740;--text: #e8edf6;--muted: #94a3b8;--border: #243049;--primary: #3b82f6;--primary-600: #60a5fa;--primary-050: #16233f;--accent: #22c55e;--accent-050: #0f2a1c;--shadow-sm: 0 1px 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12px;border-radius:999px;color:var(--muted);font-weight:600;font-size:.95rem;white-space:nowrap}.nav-link:hover{background:var(--surface-2);color:var(--text);text-decoration:none}.nav-link.active{background:var(--primary-050);color:var(--primary)}.lang-switch{padding:7px 12px;border-radius:999px;border:1px solid var(--border);font-weight:700;font-size:.85rem;color:var(--text);background:var(--surface)}.lang-switch:hover{border-color:var(--primary);color:var(--primary);text-decoration:none}.theme-toggle{display:inline-grid;place-items:center;width:34px;height:34px;border-radius:999px;border:1px solid var(--border);background:var(--surface);color:var(--text);cursor:pointer;font-size:1rem;line-height:1}.theme-toggle:hover{border-color:var(--primary)}.share-btn{display:inline-grid;place-items:center;width:34px;height:34px;border-radius:999px;border:1px solid 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14px;border-radius:999px;background:var(--accent-050);color:var(--accent);font-weight:700;font-size:.85rem;margin-bottom:16px}.hero h1{max-width:18ch;margin-inline:auto}.hero__sub{max-width:60ch;margin:0 auto 24px;color:var(--muted);font-size:1.08rem}.hero__cta{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}.tool-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:16px}.tool-card{display:flex;flex-direction:column;gap:6px;padding:22px;background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow-sm);transition:transform .12s ease,box-shadow .12s ease,border-color .12s 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input{padding-left:30px}input[type=number]:focus,select:focus{outline:none;border-color:var(--primary);box-shadow:0 0 0 3px var(--primary-050)}.calc__actions{display:flex;gap:10px;flex-wrap:wrap}.results{margin-top:4px;padding:18px;border-radius:var(--radius);background:var(--surface-2);border:1px solid var(--border)}.result{display:flex;flex-direction:column;gap:2px}.result__label{font-size:.82rem;color:var(--muted);font-weight:600}.result__value{font-size:1.15rem;font-weight:700}.result--primary{align-items:flex-start;margin-bottom:16px;padding-bottom:16px;border-bottom:1px solid var(--border)}.result--primary .result__value{font-size:clamp(1.6rem,5vw,2.1rem);color:var(--primary)}.result-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}.rate-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:14px}.rate__label{font-size:.78rem;color:var(--muted);font-weight:600}.rate__value{font-weight:700;font-size:1rem}.rate-status{margin:12px 0 0;font-size:.8rem;color:var(--accent)}.rate-status[data-live="0"]{color:var(--muted)}.ratio-bar{margin-top:16px;height:10px;width:100%;border-radius:999px;overflow:hidden;display:flex;background:var(--border)}.ratio-bar__seg{height:100%;transition:width .3s ease}.ratio-bar__seg--principal{background:var(--primary)}.ratio-bar__seg--interest{background:var(--accent)}.ratio-legend{margin-top:8px;font-size:.82rem;color:var(--muted)}.dot{display:inline-block;width:9px;height:9px;border-radius:50%;margin-right:4px;vertical-align:middle}.dot--principal{background:var(--primary)}.dot--interest{background:var(--accent)}.calc__note{margin:14px 0 0;font-size:.8rem;color:var(--muted)}.breakdown{margin-top:16px;display:flex;flex-direction:column;gap:6px}.bd-row{display:flex;justify-content:space-between;gap:12px;font-size:.9rem;color:var(--muted)}.bd-row span:last-child{font-variant-numeric:tabular-nums;color:var(--text);font-weight:600}.faq{max-width:760px}.faq__item{border:1px solid var(--border);border-radius:var(--radius-sm);background:var(--surface);margin-bottom:8px;padding:0 16px}.faq__item summary{cursor:pointer;padding:14px 0;font-weight:600;list-style:none}.faq__item summary::-webkit-details-marker{display:none}.faq__item summary:before{content:"+ ";color:var(--primary);margin-right:4px}.faq__item[open] summary:before{content:"− "}.faq__item p{margin:0 0 14px;color:var(--muted)}.calc__subtitle{font-size:1rem;margin:6px 0 0;color:var(--text)}.calc-row{display:flex;align-items:flex-end;gap:12px;flex-wrap:wrap}.calc-row .field{flex:1 1 120px;min-width:100px}.pct-eq{font-size:1.4rem;font-weight:700;color:var(--muted);padding-bottom:9px}.result-inline{font-size:1.3rem;font-weight:800;color:var(--primary);padding-bottom:9px;min-width:70px}.muted{color:var(--muted)}.radio-group{border:none;padding:0;margin:0;display:flex;gap:18px;flex-wrap:wrap}.radio-group legend{width:100%;font-size:.85rem;font-weight:600;color:var(--muted);margin-bottom:6px}.radio{display:inline-flex;align-items:center;gap:6px;font-weight:600;cursor:pointer}.result-grid.three{grid-template-columns:repeat(3,1fr)}.result--accent .result__value{color:var(--primary)}@media(max-width:560px){.result-grid.three{grid-template-columns:1fr}}.howto{margin:0;padding-left:1.2em;max-width:70ch}.howto li{margin-bottom:8px}.prose{max-width:75ch;color:var(--text)}.related{margin-top:18px;font-weight:600}.tag-links{display:flex;flex-wrap:wrap;gap:8px}.tag-links a{padding:6px 12px;border-radius:999px;border:1px solid var(--border);background:var(--surface);color:var(--text);font-size:.85rem;font-weight:600}.tag-links a:hover{border-color:var(--primary);color:var(--primary);text-decoration:none}.table-wrap{overflow-x:auto;border:1px solid var(--border);border-radius:var(--radius)}.rate-table{width:100%;border-collapse:collapse;background:var(--surface)}.rate-table th,.rate-table td{padding:12px 14px;text-align:left;border-bottom:1px solid var(--border);font-size:.92rem}.rate-table th{background:var(--surface-2);color:var(--muted);font-weight:600}.rate-table tr:last-child td{border-bottom:none}.rate-table__num{font-variant-numeric:tabular-nums;font-weight:700}.layout-prose{max-width:760px;margin-inline:auto;padding-block:24px 48px}.layout-prose .prose h2{margin-top:1.8rem;font-size:1.2rem}.layout-prose .prose ul{padding-left:1.2em}.contact-email{font-size:1.25rem;font-weight:700}.ad-slot{margin:24px auto;min-height:100px;display:grid;place-items:center;border:1px dashed var(--border);border-radius:var(--radius);background:repeating-linear-gradient(45deg,var(--surface),var(--surface) 12px,var(--surface-2) 12px,var(--surface-2) 24px);color:var(--muted)}.ad-slot__label{font-size:.78rem;letter-spacing:.06em;text-transform:uppercase;opacity:.7}.ad-unit{margin:24px auto;min-height:100px;display:block}.ad-slot--rectangle{min-height:250px;max-width:336px}.ad-slot--inline{min-height:120px}.site-footer{margin-top:48px;border-top:1px solid var(--border);background:var(--surface)}.footer-inner{padding:32px 20px;display:flex;flex-direction:column;gap:10px}.footer-brand{display:flex;flex-direction:column;gap:2px}.footer-tag{color:var(--muted);font-size:.9rem;max-width:60ch}.footer-nav{display:flex;gap:16px;flex-wrap:wrap}.footer-legal{font-size:.88rem}.footer-legal a{color:var(--muted)}.footer-legal a:hover{color:var(--primary)}.disclaimer{color:var(--muted);font-size:.82rem;max-width:80ch}.copyright{color:var(--muted);font-size:.82rem}main{min-height:calc(100vh - var(--header-h) - 220px)}