:root{--paper:#f3f6f5;--surface:#fff;--ink:#14203a;--muted:#4f5a72;--line:#d6ddda;--accent:#1d6a4e;--accent-ink:#fff;--link:#1a5f46;--warn:#a63d1c;--warn-bg:#fbeee8;--good-bg:#e6f2ec;--focus:#2e5aac;--c-housing:#2e5aac;--c-bills:#5b8def;--c-food:#d99a1c;--c-transport:#7a5fc4;--c-debt:#c2453d;--c-fun:#d9628d;--c-other:#8a8f99;--c-emergency:#2f9e6e;--c-investing:#1d6a4e;--radius-s:6px;--radius-l:14px;--font:system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;color-scheme:light}@media (prefers-color-scheme:dark){:root:not([data-theme=light]){--paper:#0f1626;--surface:#172036;--ink:#e8edf6;--muted:#a9b3c7;--line:#2b3652;--accent:#3fae84;--accent-ink:#08130e;--link:#6fd0a6;--warn:#ff9a76;--warn-bg:#3a1f17;--good-bg:#13312a;--focus:#8fb2ff;color-scheme:dark}}:root[data-theme=dark]{--paper:#0f1626;--surface:#172036;--ink:#e8edf6;--muted:#a9b3c7;--line:#2b3652;--accent:#3fae84;--accent-ink:#08130e;--link:#6fd0a6;--warn:#ff9a76;--warn-bg:#3a1f17;--good-bg:#13312a;--focus:#8fb2ff;color-scheme:dark}*,:before,:after{box-sizing:border-box}[hidden]{display:none!important}html{-webkit-text-size-adjust:100%}body{background:var(--paper);color:var(--ink);font:17px/1.6 var(--font);margin:0}a{color:var(--link);text-underline-offset:2px}a:hover{text-decoration-thickness:2px}:focus-visible{outline:3px solid var(--focus);outline-offset:2px}h1,h2,h3{letter-spacing:-.015em;line-height:1.2}h1{margin:0 0 .4em;font-size:clamp(1.9rem,4.5vw,2.7rem);font-weight:800}h2{margin:1.8em 0 .5em;font-size:1.45rem;font-weight:750}h3{margin:1.4em 0 .4em;font-size:1.12rem;font-weight:700}.num,.tnum,table{font-variant-numeric:tabular-nums}.wrap{max-width:1080px;margin:0 auto;padding:0 20px}.prose{max-width:70ch}.prose p,.prose li{color:var(--ink)}.lede{color:var(--muted);max-width:60ch;margin:0 0 1.5em;font-size:1.15rem}.skip{background:var(--surface);z-index:10;padding:8px 12px;position:absolute;top:-60px;left:8px}.skip:focus{top:8px}.site-head{border-bottom:1px solid var(--line);background:var(--surface)}.site-head .wrap{flex-wrap:wrap;align-items:center;gap:16px;min-height:60px;display:flex}.brand{color:var(--ink);letter-spacing:-.02em;align-items:center;gap:8px;font-weight:800;text-decoration:none;display:flex}.brand svg{width:28px;height:28px}.nav{flex-wrap:wrap;align-items:center;gap:4px 16px;margin-left:auto;display:flex}.theme-btn{flex:none}@media (width<=639px){.site-head .wrap{gap:0 12px;padding-top:8px}.brand{order:1}.theme-btn{order:2;margin-left:auto}.nav{order:3;gap:4px 12px;width:100%;margin:2px 0 4px}.site-head .nav a{font-size:.88rem}}@media (width<=420px){.nav{gap:4px 10px}.site-head .nav a{font-size:.84rem}}@media (width<=370px){.nav{gap:4px 6px}.site-head .nav a{padding:6px 1px;font-size:.8rem}}.nav a{color:var(--ink);padding:6px 2px;font-size:.95rem;font-weight:600;text-decoration:none}.nav a[aria-current=page]{box-shadow:inset 0 -3px 0 var(--accent)}.theme-btn{border:1px solid var(--line);color:var(--ink);cursor:pointer;background:0 0;border-radius:999px;place-items:center;width:36px;height:36px;display:grid}.theme-btn svg{width:18px;height:18px}main{padding:28px 0 48px}.crumbs{color:var(--muted);margin:0 0 14px;font-size:.9rem}.crumbs a{color:var(--muted)}.tool{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius-l);margin:0 0 32px;padding:20px}.grid2{grid-template-columns:minmax(0,1fr);gap:24px;display:grid}@media (width>=860px){.grid2{grid-template-columns:minmax(0,1fr) minmax(0,1fr)}}.field{gap:4px;margin:0 0 14px;display:grid}.field>label,.field>.lbl{font-size:.95rem;font-weight:650}.field{align-content:start}.hint{color:var(--muted);font-size:.85rem}input[type=number],select{font:inherit;border:1px solid var(--line);border-radius:var(--radius-s);background:var(--paper);color:var(--ink);width:100%;min-width:0;padding:9px 10px;font-size:1rem}.row2{grid-template-columns:1fr;gap:0 12px;display:grid}@media (width>=520px){.row2{grid-template-columns:1fr 1fr}}.seg{flex-wrap:wrap;gap:6px;display:flex}.seg button,.btn{font:inherit;border:1px solid var(--line);background:var(--paper);color:var(--ink);cursor:pointer;border-radius:999px;padding:8px 14px;font-size:.92rem;font-weight:650}.seg button[aria-pressed=true],.btn-primary{background:var(--accent);color:var(--accent-ink);border-color:var(--accent)}.out{background:var(--paper);border-radius:var(--radius-l);padding:16px}.big{letter-spacing:-.02em;margin:0;font-size:clamp(1.8rem,5vw,2.4rem);font-weight:800}.out-label{color:var(--muted);margin:0;font-size:.92rem}.kv{grid-template-columns:1fr auto;gap:6px 16px;margin:12px 0 0;display:grid}.kv dt{color:var(--muted)}.kv dd{text-align:right;margin:0;font-weight:700}.note{border-radius:var(--radius-s);margin:10px 0 0;padding:10px 12px;font-size:.93rem}.note-warn{background:var(--warn-bg);color:var(--ink);border-left:4px solid var(--warn)}.note-good{background:var(--good-bg);border-left:4px solid var(--accent)}table{border-collapse:collapse;width:100%;font-size:.94rem}th,td{text-align:left;border-bottom:1px solid var(--line);padding:7px 8px}th{color:var(--muted);font-size:.85rem;font-weight:700}td.r,th.r{text-align:right}.tablewrap{overflow-x:auto}input[type=range]{-webkit-appearance:none;appearance:none;cursor:pointer;--fill:50%;background:0 0;width:100%;height:28px;margin:0}input[type=range]::-webkit-slider-runnable-track{background:linear-gradient(to right, var(--c,var(--accent)) var(--fill), var(--line) var(--fill));border-radius:3px;height:6px}input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;background:var(--c,var(--accent));border:3px solid var(--surface);width:22px;height:22px;box-shadow:0 0 0 1px var(--line);border-radius:50%;margin-top:-8px}input[type=range]::-moz-range-track{background:var(--line);border-radius:3px;height:6px}input[type=range]::-moz-range-progress{background:var(--c,var(--accent));border-radius:3px;height:6px}input[type=range]::-moz-range-thumb{background:var(--c,var(--accent));border:3px solid var(--surface);width:16px;height:16px;box-shadow:0 0 0 1px var(--line);border-radius:50%}.cards{grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:12px;margin:0;padding:0;list-style:none;display:grid}.cards a{border:1px solid var(--line);border-radius:var(--radius-l);background:var(--surface);height:100%;color:var(--ink);padding:16px;text-decoration:none;display:block}.cards a:hover{border-color:var(--accent)}.cards b{margin:0 0 4px;font-size:1.05rem;display:block}.cards span{color:var(--muted);font-size:.93rem}.eu-note{max-width:70ch;margin:0 0 1.5em}.reviewed{color:var(--muted);margin:18px 0 0;font-size:.88rem}.edu{border:1px dashed var(--line);border-radius:var(--radius-l);color:var(--muted);max-width:70ch;margin:32px 0 0;padding:12px 14px;font-size:.9rem}.faq dt{margin-top:14px;font-weight:700}.faq dd{margin:4px 0 0}.site-foot{border-top:1px solid var(--line);background:var(--surface);color:var(--muted);padding:28px 0;font-size:.92rem}.site-foot nav{flex-wrap:wrap;gap:6px 18px;margin:0 0 12px;display:flex}.site-foot a{color:var(--ink)}@media (prefers-reduced-motion:reduce){*{transition:none!important;animation:none!important}}@media print{.site-head,.site-foot,.skip,.prio,.btn,.seg,.mbar,.theme-btn,.actions,.crumbs{display:none!important}body{color:#000;background:#fff;font-size:12pt}.tool,.out,.method{break-inside:avoid;background:#fff;border:1px solid #999}.sticky{position:static!important}a{color:#000}.tablewrap,.sched{max-height:none!important;overflow:visible!important}}.explore-menu{flex:none;position:relative}.explore-menu summary{cursor:pointer;border:1px solid var(--line);height:36px;color:var(--ink);white-space:nowrap;background:0 0;border-radius:999px;align-items:center;gap:.35rem;padding:0 .7rem;font-size:.9rem;font-weight:600;list-style:none;display:inline-flex}.explore-menu summary::-webkit-details-marker{display:none}.explore-menu summary svg{fill:currentColor;width:17px;height:17px}.explore-menu ul{z-index:30;background:var(--surface);border:1px solid var(--line);border-radius:14px;min-width:16rem;margin:0;padding:.35rem;list-style:none;position:absolute;top:calc(100% + .4rem);right:0;box-shadow:0 14px 40px #14163238}.explore-menu li a{color:var(--ink);border-radius:9px;align-items:center;gap:.6rem;padding:.55rem .75rem;font-weight:600;text-decoration:none;display:flex}.explore-menu li a:hover{background:var(--paper)}.explore-menu .ex-icon{font-size:1.25rem;line-height:1}.explore-menu .ex-text{display:grid}.explore-menu .ex-text small{color:var(--muted);font-weight:500}@media (width<=999px){.explore-menu .ex-label{display:none}.explore-menu summary{justify-content:center;width:36px;padding:0}}@media (width<=639px){.explore-menu{order:2;margin-left:auto}.theme-btn{margin-left:8px!important}}.site-foot .foot-explore{margin:0 0 18px;display:block}.foot-explore-h{color:var(--ink);text-transform:uppercase;letter-spacing:.04em;margin:0 0 8px;font-size:.85rem;font-weight:700}.foot-explore ul{grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:8px 18px;margin:0;padding:0;list-style:none;display:grid}.foot-explore a{align-items:flex-start;gap:10px;padding:6px 0;text-decoration:none;display:flex}.foot-explore a:hover b,.foot-explore a:focus-visible b{text-decoration:underline}.fe-icon{font-size:1.3rem;line-height:1.2}.fe-text{gap:1px;display:grid}.fe-text b{color:var(--ink)}.fe-text span{color:var(--muted);font-size:.9rem}.ad{text-align:center;max-width:100%;margin:1.6rem auto}.ad-label{letter-spacing:.06em;text-transform:uppercase;color:var(--muted);margin-bottom:.25rem;font-size:.7rem;display:block}.ad ins.adsbygoogle[data-ad-status=unfilled]{display:none!important}.ad-preview{display:none}html.ads-preview .ad-preview{color:#8a6200;text-align:center;background:repeating-linear-gradient(45deg,#ffc23c1f 0 12px,#ffc23c38 12px 24px);border:2px dashed #e0a100;border-radius:10px;flex-direction:column;justify-content:center;align-items:center;gap:.2rem;padding:.5rem;font-size:.9rem;font-weight:700;display:flex}html.ads-preview .ad-size{font-size:.8rem;font-weight:500}html.ads-preview .ad-preview.ad-display{max-width:728px;min-height:90px}html.ads-preview .ad-preview.ad-in-article{min-height:250px}html.ads-preview .ad-preview.ad-multiplex{min-height:420px}@media (width<=760px){html.ads-preview .ad-preview.ad-display{max-width:300px;min-height:250px}html.ads-preview .ad-preview.ad-multiplex{min-height:520px}}html.ads-preview .ad-preview.ad-anchor-preview,.ad-anchor-preview{display:none}@media (width<=760px){html.ads-preview .ad-preview.ad-anchor-preview{z-index:40;border-width:2px 0 0;border-radius:0;height:60px;margin:0;display:flex;position:fixed;bottom:0;left:0;right:0}html.ads-preview body.has-anchor{padding-bottom:64px}}.ad.ad-display:not(.ad-preview){min-height:90px}.ad.ad-in-article:not(.ad-preview){min-height:250px}.ad.ad-multiplex:not(.ad-preview){min-height:400px}@media (width<=760px){.ad.ad-display:not(.ad-preview){min-height:280px}}@media print{.ad,.ad-preview,.explore-menu,.foot-explore{display:none!important}}