:root{
  color-scheme:light;
  --ink:#15302b;
  --paper:#f6f8f7;
  --surface:#ffffff;
  --line:#d3ddd9;
  --muted:#556a64;
  --wattle:#e2a90f;
  --wattle-soft:#fbf0cc;
  --leaf:#2f7a62;
  --leaf-soft:#e2f0ea;
  --plum:#8a2d57;
  --plum-2:#a8476f;
  --plum-soft:#f6e4ec;
  --input-bg:#ffffff;
  --input-line:#b9c7c2;
  --on-ink:#ffffff;
  --strip-bg:#15302b;
  --strip-ink:#e7efe9;
  --serif:Charter,"Bitstream Charter","Sitka Text",Cambria,Georgia,serif;
  --sans:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
}
@media (prefers-color-scheme:dark){
  :root:not([data-theme="light"]){
    color-scheme:dark;
    --ink:#e4eeea;--paper:#0e1816;--surface:#15221f;--line:#2b3d38;--muted:#9fb4ad;
    --wattle:#f2bd34;--wattle-soft:#352c12;--leaf:#5cc19c;--leaf-soft:#163a2e;
    --plum:#d4709b;--plum-2:#b95884;--plum-soft:#3b1d2a;
    --input-bg:#0f1b18;--input-line:#3a4f49;--on-ink:#0e1816;--strip-bg:#0a1311;--strip-ink:#cfe0d9;
  }
}
:root[data-theme="dark"]{
  color-scheme:dark;
  --ink:#e4eeea;--paper:#0e1816;--surface:#15221f;--line:#2b3d38;--muted:#9fb4ad;
  --wattle:#f2bd34;--wattle-soft:#352c12;--leaf:#5cc19c;--leaf-soft:#163a2e;
  --plum:#d4709b;--plum-2:#b95884;--plum-soft:#3b1d2a;
  --input-bg:#0f1b18;--input-line:#3a4f49;--on-ink:#0e1816;--strip-bg:#0a1311;--strip-ink:#cfe0d9;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--paper);color:var(--ink);font:17px/1.6 var(--sans)}
img,svg{max-width:100%;height:auto}
a{color:var(--leaf);text-underline-offset:2px}
a:hover{color:var(--ink)}
:focus-visible{outline:3px solid var(--wattle);outline-offset:2px}

.skip{position:absolute;left:-999px}
.skip:focus{left:1rem;top:1rem;background:var(--surface);padding:.5rem 1rem;z-index:9}

.site-head{border-bottom:1px solid var(--line);background:var(--surface)}
.site-head .wrap{display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:.6rem 1rem;padding-block:.8rem}
.brand{font:700 1.25rem/1 var(--serif);color:var(--ink);text-decoration:none;display:flex;align-items:center;gap:.5rem}
.brand svg{width:28px;height:28px;flex:none}
.brand small{display:block;font:600 .68rem/1 var(--sans);letter-spacing:.12em;text-transform:uppercase;color:var(--leaf);margin-top:.25rem}
.logo .la{fill:var(--wattle)}.logo .lb{fill:var(--leaf)}.logo .lc{fill:var(--ink)}
.head-right{display:flex;align-items:center;gap:.4rem}
.theme-toggle{display:inline-grid;place-items:center;width:38px;height:38px;padding:0;margin-left:.8rem;border-radius:50%;background:transparent;border:1px solid var(--line);color:var(--ink)}
.theme-toggle:hover{background:var(--paper);border-color:var(--muted);color:var(--ink)}
.theme-toggle svg{width:18px;height:18px}
.theme-toggle .sun{display:none}
:root[data-theme="dark"] .theme-toggle .sun{display:block}
:root[data-theme="dark"] .theme-toggle .moon{display:none}
@media (prefers-color-scheme:dark){
  :root:not([data-theme="light"]) .theme-toggle .sun{display:block}
  :root:not([data-theme="light"]) .theme-toggle .moon{display:none}
}
.au-strip{background:var(--strip-bg);color:var(--strip-ink);font-size:.82rem}
.au-strip .wrap{display:flex;flex-wrap:wrap;gap:.2rem 1.1rem;padding-block:.4rem}
.au-strip span{white-space:nowrap}
.au-strip b{color:var(--wattle);font-weight:700}
.eyebrow{margin:2.2rem 0 0;font-size:.85rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--leaf)}
.eyebrow + h1{margin-top:.4rem}
.au-badge{display:inline-flex;align-items:center;gap:.4rem;font-size:.85rem;color:var(--muted);border:1px solid var(--line);background:var(--surface);border-radius:999px;padding:.2rem .7rem;margin:0 0 1.2rem}
.au-badge i{width:.5rem;height:.5rem;border-radius:50%;background:var(--wattle);box-shadow:.65rem 0 0 var(--leaf)}
.au-badge i{margin-right:.65rem}
.site-head nav a{color:var(--muted);text-decoration:none;font-size:.95rem;margin-left:1rem}
.site-head nav a:hover{color:var(--ink)}

.wrap{max-width:1080px;margin:0 auto;padding-inline:1.25rem}
.prose{max-width:46rem}

h1,h2,h3{font-family:var(--serif);line-height:1.2;color:var(--ink)}
h1{font-size:clamp(2rem,4.5vw,3rem);margin:2.2rem 0 .6rem;letter-spacing:-.01em}
h2{font-size:1.65rem;margin:2.8rem 0 .8rem}
h3{font-size:1.2rem;margin:1.8rem 0 .4rem}
.lede{font-size:1.15rem;color:var(--muted);max-width:44rem;margin:0 0 1.6rem}
.updated{font-size:.9rem;color:var(--muted)}

/* Calculator */
.calc{display:grid;grid-template-columns:1fr;gap:1.25rem;margin:1rem 0 2rem}
@media(min-width:900px){.calc{grid-template-columns:minmax(0,1.05fr) minmax(0,1fr);align-items:start}}
.panel{background:var(--surface);border:1px solid var(--line);border-radius:6px;padding:1.4rem}
.panel h2{font-size:1.25rem;margin:0 0 .9rem}
.field{margin-bottom:1.1rem}
.field label,.field .label{display:block;font-weight:600;margin-bottom:.25rem}
.hint{display:block;font-size:.88rem;color:var(--muted);margin-top:.2rem}
.money{position:relative}
.money::before{content:"$";position:absolute;left:.75rem;top:50%;transform:translateY(-50%);color:var(--muted)}
input[type=text]{width:100%;font:inherit;font-variant-numeric:tabular-nums;padding:.6rem .75rem .6rem 1.6rem;border:1px solid var(--input-line);border-radius:4px;background:var(--input-bg);color:var(--ink)}
input[type=text]:focus{border-color:var(--leaf);outline:2px solid var(--leaf-soft);outline-offset:0}
.years{border:1px solid var(--line);border-radius:4px;margin:.4rem 0 1rem}
.year-row{display:grid;grid-template-columns:5.5rem 1fr 6.5rem;gap:.6rem;align-items:center;padding:.55rem .7rem;border-top:1px solid var(--line)}
.year-row:first-child{border-top:0}
.year-row .fy{font-weight:600;font-variant-numeric:tabular-nums}
.year-row .cap{font-size:.85rem;color:var(--muted);text-align:right;font-variant-numeric:tabular-nums}
.year-row.head{background:var(--paper);font-size:.85rem;color:var(--muted);font-weight:600;padding-block:.4rem}
.year-row.current{background:var(--leaf-soft)}
.helper{display:flex;gap:.6rem;align-items:end;background:var(--paper);border-radius:4px;padding:.8rem;margin-bottom:1rem}
.helper .field{flex:1;margin:0}
button{font:600 .95rem var(--sans);border-radius:4px;padding:.62rem 1rem;cursor:pointer;border:1px solid var(--ink);background:var(--ink);color:var(--on-ink);white-space:nowrap}
button.ghost{background:transparent;color:var(--ink)}
button:hover{background:var(--leaf);border-color:var(--leaf);color:var(--on-ink)}
.actions{display:flex;gap:.6rem;flex-wrap:wrap}

.results{position:sticky;top:1rem}
.big{font:700 clamp(2.4rem,6vw,3.4rem)/1 var(--serif);font-variant-numeric:tabular-nums;margin:.2rem 0 .3rem}
.big-label{color:var(--muted);margin:0}
.bar{display:flex;height:44px;border-radius:4px;overflow:hidden;margin:1.2rem 0 .6rem;background:var(--paper);border:1px solid var(--line)}
.bar span{display:block;height:100%;transition:flex-grow .35s ease}
.seg-now{background:var(--leaf)}
.seg-carry{background:var(--wattle);border-left:2px solid var(--surface)}
.seg-expire{background:repeating-linear-gradient(135deg,var(--plum) 0 6px,var(--plum-2) 6px 12px);border-left:2px solid var(--surface)}
.legend{list-style:none;padding:0;margin:0 0 1rem;font-size:.92rem}
.legend li{display:flex;justify-content:space-between;gap:1rem;padding:.35rem 0;border-bottom:1px dashed var(--line);font-variant-numeric:tabular-nums}
.legend i{display:inline-block;width:.8rem;height:.8rem;border-radius:2px;margin-right:.5rem;vertical-align:-1px}
.callout{border-left:4px solid var(--wattle);background:var(--wattle-soft);padding:.8rem 1rem;border-radius:0 4px 4px 0;margin:1rem 0;font-size:.95rem}
.callout.warn{border-color:var(--plum);background:var(--plum-soft)}
.callout.ok{border-color:var(--leaf);background:var(--leaf-soft)}
.callout p{margin:.2rem 0}
.empty{color:var(--muted)}

/* Ads: reserved space prevents layout shift */
.ad{margin:2rem 0;min-height:280px;display:flex;flex-direction:column;align-items:center;justify-content:flex-start}
.ad:not(:has(ins)){display:none}
.ad::before{content:"Advertisement";font-size:.75rem;color:var(--muted);margin-bottom:.3rem;align-self:flex-start}
.ad ins{display:block;width:100%}

/* Content */
table.data{border-collapse:collapse;width:100%;font-variant-numeric:tabular-nums;margin:1rem 0;background:var(--surface)}
table.data th,table.data td{border:1px solid var(--line);padding:.5rem .7rem;text-align:left}
table.data th{background:var(--paper)}
.table-scroll{overflow-x:auto}
details{border-top:1px solid var(--line);padding:.8rem 0}
details:last-of-type{border-bottom:1px solid var(--line)}
summary{font-weight:600;cursor:pointer;font-size:1.05rem}
details p{margin:.6rem 0 .2rem}
.steps{padding-left:1.3rem}
.steps li{margin-bottom:.6rem}

.site-foot{margin-top:4rem;border-top:1px solid var(--line);background:var(--surface);font-size:.9rem;color:var(--muted)}
.site-foot .wrap{padding-block:2rem}
.site-foot a{color:var(--muted)}

@media(max-width:560px){
  .year-row{grid-template-columns:4.6rem 1fr;}
  .year-row .cap{grid-column:2;text-align:left;margin-top:-.3rem}
  .year-row.head .cap{display:none}
  .helper{flex-direction:column;align-items:stretch}
  .site-head nav a{margin-left:.7rem}
  .site-head nav a:first-child{margin-left:0}
  .au-strip span:nth-child(3){display:none}
  .theme-toggle{margin-left:.5rem}
}
@media(prefers-reduced-motion:reduce){.bar span{transition:none}}