:root{--ivc-ink: #172231;--ivc-muted: #5b6676;--ivc-paper: #f6f4ee;--ivc-surface: #ffffff;--ivc-line: #e2ddd0;--ivc-line-strong: #cdc5b2;--ivc-dep: #24507a;--ivc-dep-dark: #183a5a;--ivc-dep-soft: rgba(36, 80, 122, 0.08);--ivc-growth: #c98a1b;--ivc-growth-soft: rgba(201, 138, 27, 0.12);--ivc-loss: #a8402f;--ivc-mono: ui-monospace, SFMono-Regular, Menlo, Consolas, "Liberation Mono", monospace;--ivc-shadow: 0 16px 36px rgba(23, 34, 49, 0.08);--primary: var(--ivc-dep);--primary-dark: var(--ivc-dep-dark);--border: var(--ivc-line);--surface: var(--ivc-surface);--surface-muted: var(--ivc-paper);--shadow-soft: var(--ivc-shadow);--text-main: var(--ivc-ink);--text-muted: var(--ivc-muted);}
.ivc-page{color: var(--ivc-ink);padding-bottom: 2.5rem;}
.ivc-page code{font-family: var(--ivc-mono);font-size: 0.88em;color: var(--ivc-dep-dark);background: var(--ivc-dep-soft);padding: 0.08em 0.35em;border-radius: 4px;}
.ivc-desk{background: var(--ivc-surface);border: 1px solid var(--ivc-line);border-radius: 16px;box-shadow: var(--ivc-shadow);overflow: hidden;margin-bottom: 2.5rem;}
.ivc-byline{display: flex;flex-wrap: wrap;justify-content: space-between;align-items: center;gap: 0.35rem 1rem;padding: 0.6rem 1.4rem;background: var(--ivc-ink);color: rgba(240, 236, 226, 0.72);font-size: 0.8rem;}
.ivc-byline-author{font-weight: 600;color: #f0ece2;}
.ivc-byline .author-link{color: #f2c46d;font-weight: 700;text-decoration: none;}
.ivc-byline .author-link:hover,.ivc-byline .author-link:focus-visible{text-decoration: underline;}
.ivc-grid{display: grid;grid-template-columns: minmax(0, 5fr) minmax(0, 6fr);}
.ivc-form{padding: 1.5rem 1.5rem 1.25rem;background: var(--ivc-paper);border-right: 1px solid var(--ivc-line);display: flex;flex-direction: column;gap: 1rem;}
.ivc-set{border: 0;margin: 0;padding: 0;display: flex;flex-direction: column;gap: 0.85rem;}
.ivc-set legend{font-size: 0.72rem;font-weight: 800;letter-spacing: 0.08em;text-transform: uppercase;color: var(--ivc-muted);margin-bottom: 0.15rem;float: none;width: auto;padding: 0;}
.ivc-set-adjust{padding-top: 1rem;border-top: 1px dashed var(--ivc-line-strong);}
.ivc-pair{display: grid;grid-template-columns: 1fr 1fr;gap: 0.75rem;}
.ivc-field{display: flex;flex-direction: column;gap: 0.3rem;}
.ivc-field label,.ivc-label{font-size: 0.86rem;font-weight: 600;color: var(--ivc-ink);margin: 0;}
.ivc-input{display: flex;align-items: center;background: var(--ivc-surface);border: 1px solid var(--ivc-line-strong);border-radius: 8px;transition: border-color 0.15s ease, box-shadow 0.15s ease;}
.ivc-input:focus-within{border-color: var(--ivc-dep);box-shadow: 0 0 0 3px var(--ivc-dep-soft);}
.ivc-input input{flex: 1;min-width: 0;border: 0;background: transparent;padding: 0.6rem 0.75rem;font-size: 1rem;font-variant-numeric: tabular-nums;color: var(--ivc-ink);outline: none;}
.ivc-input input:invalid,.ivc-input.is-bad{border-color: var(--ivc-loss);}
.ivc-sym{padding-left: 0.75rem;color: var(--ivc-muted);font-weight: 600;}
.ivc-unit{padding-right: 0.75rem;color: var(--ivc-muted);font-size: 0.85rem;}
.ivc-select{border: 1px solid var(--ivc-line-strong);border-radius: 8px;padding: 0.6rem 0.75rem;font-size: 0.95rem;background: var(--ivc-surface);color: var(--ivc-ink);}
.ivc-select:focus{outline: none;border-color: var(--ivc-dep);box-shadow: 0 0 0 3px var(--ivc-dep-soft);}
.ivc-toggle{display: grid;grid-template-columns: 1fr 1fr;border: 1px solid var(--ivc-line-strong);border-radius: 8px;overflow: hidden;background: var(--ivc-surface);}
.ivc-toggle label{margin: 0;cursor: pointer;}
.ivc-toggle input{position: absolute;opacity: 0;pointer-events: none;}
.ivc-toggle span{display: block;text-align: center;padding: 0.55rem 0.5rem;font-size: 0.85rem;font-weight: 600;color: var(--ivc-muted);}
.ivc-toggle label + label span{border-left: 1px solid var(--ivc-line-strong);}
.ivc-toggle input:checked + span{background: var(--ivc-dep);color: #ffffff;}
.ivc-toggle input:focus-visible + span{outline: 2px solid var(--ivc-growth);outline-offset: -3px;}
.ivc-actions{display: flex;flex-wrap: wrap;gap: 0.5rem;margin-top: 0.25rem;}
.ivc-btn{border-radius: 8px;padding: 0.5rem 0.95rem;font-size: 0.86rem;font-weight: 700;cursor: pointer;transition: background 0.15s ease, color 0.15s ease, border-color 0.15s ease;}
.ivc-btn-ghost{background: transparent;border: 1px solid var(--ivc-line-strong);color: var(--ivc-ink);}
.ivc-btn-ghost:hover,.ivc-btn-ghost:focus-visible{border-color: var(--ivc-dep);color: var(--ivc-dep);}
.ivc-btn-solid{background: var(--ivc-dep);border: 1px solid var(--ivc-dep);color: #ffffff;}
.ivc-btn-solid:hover,.ivc-btn-solid:focus-visible{background: var(--ivc-dep-dark);}
.ivc-error{margin: 0;font-size: 0.85rem;color: var(--ivc-loss);font-weight: 600;}
.ivc-result{padding: 1.75rem 1.75rem 1.5rem;display: flex;flex-direction: column;}
.ivc-kicker{margin: 0;font-size: 0.8rem;font-weight: 700;letter-spacing: 0.06em;text-transform: uppercase;color: var(--ivc-muted);}
.ivc-total{margin: 0.2rem 0 0;font-size: clamp(2.2rem, 5vw, 3.1rem);font-weight: 800;line-height: 1.05;font-variant-numeric: tabular-nums;color: var(--ivc-ink);word-break: break-word;}
.ivc-real{margin: 0.35rem 0 1.25rem;color: var(--ivc-muted);font-size: 0.95rem;}
.ivc-split{display: flex;height: 14px;border-radius: 7px;overflow: hidden;background: var(--ivc-paper);}
.ivc-split span{display: block;height: 100%;transition: width 0.3s ease;}
.ivc-split-dep{background: var(--ivc-dep);}
.ivc-split-growth{background: var(--ivc-growth);}
.ivc-legend{display: grid;grid-template-columns: 1fr 1fr;gap: 0.75rem;margin: 0.85rem 0 1.25rem;}
.ivc-legend div{border-left: 3px solid var(--ivc-line);padding-left: 0.7rem;}
.ivc-legend dt{font-size: 0.8rem;font-weight: 600;color: var(--ivc-muted);}
.ivc-legend dd{margin: 0.1rem 0 0;font-size: 1.25rem;font-weight: 800;font-variant-numeric: tabular-nums;}
.ivc-dot{display: inline-block;width: 0.65rem;height: 0.65rem;border-radius: 2px;margin-right: 0.35rem;vertical-align: -1px;}
.ivc-dot-dep{background: var(--ivc-dep);}
.ivc-dot-growth{background: var(--ivc-growth);}
.ivc-notes{list-style: none;margin: auto 0 0;padding: 0.9rem 1rem;background: var(--ivc-growth-soft);border-radius: 10px;display: flex;flex-direction: column;gap: 0.45rem;font-size: 0.9rem;}
.ivc-notes li{padding-left: 1.1rem;position: relative;}
.ivc-notes li::before{content: "";position: absolute;left: 0;top: 0.55em;width: 0.45rem;height: 0.45rem;border-radius: 50%;background: var(--ivc-growth);}
.ivc-years{border-top: 1px solid var(--ivc-line);padding: 1.5rem 1.75rem 1.25rem;}
.ivc-years-head{display: flex;flex-wrap: wrap;justify-content: space-between;align-items: center;gap: 0.75rem;margin-bottom: 1rem;}
.ivc-years-head h3{margin: 0;font-size: 1.15rem;font-weight: 800;}
.ivc-years-tools{display: flex;gap: 0.5rem;flex-wrap: wrap;}
.ivc-chart{margin: 0 0 1.25rem;}
.ivc-chart-box{height: 220px;}
.ivc-chart-box svg{display: block;width: 100%;height: 100%;}
.ivc-chart-box text{font-size: 11px;fill: var(--ivc-muted);font-family: inherit;}
.ivc-chart-box .ivc-grid-line{stroke: var(--ivc-line);stroke-width: 1;}
.ivc-chart-box .ivc-bar-dep{fill: var(--ivc-dep);}
.ivc-chart-box .ivc-bar-growth{fill: var(--ivc-growth);}
.ivc-chart-box g:hover rect{opacity: 0.8;}
.ivc-chart figcaption{font-size: 0.8rem;color: var(--ivc-muted);margin-top: 0.4rem;display: flex;align-items: center;gap: 0.25rem 1rem;flex-wrap: wrap;}
.ivc-table-wrap{overflow-x: auto;max-height: 420px;overflow-y: auto;border: 1px solid var(--ivc-line);border-radius: 10px;}
.ivc-table{width: 100%;border-collapse: collapse;font-size: 0.9rem;font-variant-numeric: tabular-nums;}
.ivc-table th,.ivc-table td{padding: 0.55rem 0.85rem;text-align: right;border-bottom: 1px solid var(--ivc-line);white-space: nowrap;}
.ivc-table thead th{position: sticky;top: 0;background: var(--ivc-paper);font-size: 0.78rem;text-transform: uppercase;letter-spacing: 0.04em;color: var(--ivc-muted);z-index: 1;}
.ivc-table tbody th{text-align: left;font-weight: 700;}
.ivc-table tbody tr:last-child th,.ivc-table tbody tr:last-child td{border-bottom: 0;}
.ivc-table tbody tr.is-cross{background: var(--ivc-growth-soft);}
.ivc-table tbody td:nth-child(4){font-weight: 700;}
.ivc-fine{margin: 0.75rem 0 0;font-size: 0.8rem;color: var(--ivc-muted);}
.ivc-read{margin: 0 auto 2rem;}
.ivc-block{margin-bottom: 2.5rem;}
.ivc-block h2{font-size: 1.55rem;font-weight: 800;margin-bottom: 0.85rem;line-height: 1.25;}
.ivc-block h3{font-size: 1.08rem;font-weight: 700;margin: 1.4rem 0 0.5rem;}
.ivc-block p{line-height: 1.7;color: #2a3444;}
.ivc-mile{display: grid;grid-template-columns: repeat(5, minmax(0, 1fr));gap: 0;margin: 1.25rem 0;border: 1px solid var(--ivc-line);border-radius: 12px;overflow: hidden;}
.ivc-mile-step{padding: 0.85rem 0.8rem;display: flex;flex-direction: column;gap: 0.15rem;border-right: 1px solid var(--ivc-line);background: var(--ivc-surface);}
.ivc-mile-step:last-child{border-right: 0;background: var(--ivc-paper);}
.ivc-mile-year{font-size: 0.75rem;font-weight: 700;text-transform: uppercase;letter-spacing: 0.05em;color: var(--ivc-muted);}
.ivc-mile-bal{font-size: 1.05rem;font-weight: 800;font-variant-numeric: tabular-nums;}
.ivc-mile-growth{font-size: 0.8rem;font-weight: 600;color: #8a5d0f;font-variant-numeric: tabular-nums;}
.ivc-formula{background: var(--ivc-ink);color: #f0ece2;border-radius: 10px;padding: 1rem 1.25rem;overflow-x: auto;margin: 0 0 1rem;}
.ivc-page .ivc-formula code{background: none;color: inherit;font-size: 1rem;padding: 0;}
.ivc-terms{padding-left: 1.2rem;line-height: 1.8;margin-bottom: 1rem;}
.ivc-table-rates{white-space: normal;}
.ivc-table-rates th,.ivc-table-rates td{text-align: left;white-space: normal;vertical-align: top;}
.ivc-table-rates td:nth-child(2){font-weight: 700;white-space: nowrap;}
.ivc-block .ivc-table-wrap{max-height: none;margin: 1rem 0;}
.ivc-vs{display: grid;grid-template-columns: 1fr 1fr;gap: 1rem;margin: 1.25rem 0;}
.ivc-vs-card{border: 1px solid var(--ivc-line);border-top: 4px solid var(--ivc-dep);border-radius: 10px;padding: 1rem 1.15rem;display: flex;flex-direction: column;gap: 0.15rem;background: var(--ivc-surface);}
.ivc-vs-card-loss{border-top-color: var(--ivc-loss);}
.ivc-vs-label{font-size: 0.85rem;font-weight: 600;color: var(--ivc-muted);}
.ivc-vs-value{font-size: 1.6rem;font-weight: 800;font-variant-numeric: tabular-nums;}
.ivc-vs-sub{font-size: 0.8rem;color: var(--ivc-muted);}
.ivc-block-limits{background: var(--ivc-paper);border: 1px solid var(--ivc-line);border-radius: 14px;padding: 1.5rem 1.6rem 0.75rem;}
.ivc-limits{list-style: none;padding: 0;margin: 0;}
.ivc-limits li{padding: 0 0 0.9rem 0;line-height: 1.65;color: #2a3444;}
.ivc-limits strong{color: var(--ivc-ink);display: block;}
@media (max-width: 991.98px){.ivc-grid{grid-template-columns: 1fr;}.ivc-form{border-right: 0;border-bottom: 1px solid var(--ivc-line);}.ivc-notes{margin-top: 0.5rem;}}
@media (max-width: 767.98px){.ivc-mile{grid-template-columns: repeat(2, minmax(0, 1fr));}.ivc-mile-step{border-bottom: 1px solid var(--ivc-line);}.ivc-mile-step:last-child{grid-column: span 2;}}
@media (max-width: 575.98px){.ivc-form,.ivc-result,.ivc-years{padding-left: 1rem;padding-right: 1rem;}.ivc-vs{grid-template-columns: 1fr;}.ivc-legend dd{font-size: 1.05rem;}.ivc-chart-box{height: 180px;}.ivc-block-limits{padding: 1.2rem 1.1rem 0.5rem;}}