:root {
  --annual-ink: #18201d;
  --annual-muted: #5d665f;
  --annual-line: rgba(24, 32, 29, 0.14);
  --annual-soft: #f7f8f3;
  --annual-accent: #315c4f;
  --annual-warm: #f2d38b;
}

.annual-page-main {
  width: min(1180px, calc(100% - 32px));
  gap: 18px;
}

.annual-article {
  width: 100%;
  max-width: none;
  gap: clamp(24px, 3vw, 42px);
  overflow: hidden;
  padding: clamp(18px, 3vw, 34px);
}

.annual-article *,
.annual-article *::before,
.annual-article *::after {
  min-width: 0;
}

.annual-article h1,
.annual-article h2,
.annual-article h3,
.annual-article p,
.annual-article li,
.annual-article dd,
.annual-article dt {
  overflow-wrap: anywhere;
}

.annual-hero {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(250px, 360px);
  gap: clamp(18px, 3vw, 32px);
  align-items: center;
  width: 100%;
  padding: clamp(18px, 3vw, 30px);
  border: 1px solid var(--annual-line);
  border-radius: var(--radius-md);
  background: linear-gradient(135deg, rgba(49, 92, 79, 0.09), transparent 48%), var(--surface-soft);
}

.annual-hero-copy {
  display: grid;
  gap: 14px;
}

.annual-hero h1 {
  max-width: 820px;
  margin: 0;
  font-size: clamp(2rem, 4.6vw, 3.6rem);
  line-height: 1.12;
  text-wrap: balance;
}

.annual-hero .article-lead {
  max-width: 780px;
}

.annual-answer-strip {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 8px;
}

.annual-answer-strip span {
  padding: 10px;
  border: 1px solid var(--annual-line);
  border-radius: var(--radius-sm);
  background: var(--surface);
  color: var(--annual-ink);
  font-size: 0.9rem;
  font-weight: 900;
  text-align: center;
}

.annual-hero-figure {
  margin: 0;
  align-self: stretch;
  overflow: hidden;
  border: 1px solid var(--annual-line);
  border-radius: var(--radius-md);
  background: #eef3f1;
}

.annual-hero-figure img {
  display: block;
  width: 100%;
  height: 100%;
  max-width: 100%;
  min-height: 330px;
  object-fit: cover;
  object-position: 50% 18%;
}

.annual-toc {
  width: min(900px, 100%);
  margin-inline: auto;
  padding: 16px;
  border: 1px solid var(--annual-line);
  border-radius: var(--radius-md);
  background: var(--surface-soft);
}

.annual-toc h2 {
  margin: 0 0 10px;
  font-size: 1.2rem;
  text-align: left;
}

.annual-toc ol {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 8px 18px;
  margin: 0;
  padding-left: 1.35rem;
}

.annual-section {
  width: min(860px, 100%);
  margin-inline: auto;
}

.annual-section h2 {
  margin: 0 0 10px;
  text-align: left;
  font-size: clamp(1.55rem, 2.6vw, 2.1rem);
  line-height: 1.24;
}

.annual-section h3 {
  margin: 0 0 8px;
  font-size: 1.16rem;
}

.annual-section p {
  margin: 0 0 12px;
  color: var(--text-body);
  font-size: 1.04rem;
}

.annual-section--lead {
  padding: 18px 0 4px;
}

.annual-process-list {
  display: grid;
  gap: 10px;
  margin: 18px 0 0;
  padding: 0;
  list-style: none;
}

.annual-process-list li {
  display: grid;
  grid-template-columns: minmax(150px, 0.42fr) minmax(0, 1fr);
  gap: 12px;
  padding: 14px;
  border: 1px solid var(--annual-line);
  border-radius: var(--radius-sm);
  background: var(--surface-soft);
}

.annual-process-list strong {
  color: var(--annual-accent);
}

.annual-wide-card,
.annual-case,
.annual-calculator-guide,
.annual-scenario-section {
  width: min(1020px, 100%);
}

.annual-wide-card,
.annual-case,
.annual-calculator-guide {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(240px, 0.42fr);
  gap: clamp(16px, 3vw, 28px);
  align-items: center;
  padding: clamp(16px, 2.5vw, 24px);
  border: 1px solid var(--annual-line);
  border-radius: var(--radius-md);
  background: var(--surface);
}

.annual-case--reverse {
  grid-template-columns: minmax(240px, 0.42fr) minmax(0, 1fr);
}

.annual-case--reverse .annual-case-copy {
  order: 2;
}

.annual-kicker {
  margin-bottom: 4px;
  color: var(--annual-accent);
  font-size: 0.86rem;
  font-weight: 900;
}

.annual-term-card,
.annual-currency-note,
.annual-mascot {
  padding: 14px;
  border: 1px solid var(--annual-line);
  border-radius: var(--radius-sm);
  background: var(--annual-soft);
}

.annual-term-card dl {
  display: grid;
  gap: 10px;
  margin: 0;
}

.annual-term-card div {
  display: grid;
  gap: 2px;
}

.annual-term-card dt {
  font-weight: 900;
}

.annual-term-card dd {
  margin: 0;
  color: var(--annual-muted);
}

.annual-mascot {
  display: grid;
  gap: 10px;
  justify-items: center;
  text-align: center;
}

.annual-mascot img {
  display: block;
  width: min(100%, 240px);
  height: auto;
  max-width: 100%;
  max-height: 260px;
  object-fit: contain;
}

.annual-mascot--calculator img {
  width: min(100%, 270px);
  max-height: 220px;
}

.annual-mascot p,
.annual-currency-note p {
  margin: 0;
  color: var(--annual-muted);
  font-weight: 800;
}

.annual-section-intro {
  width: min(860px, 100%);
  margin-inline: auto;
}

.annual-chart {
  width: 100%;
  margin: 18px 0 0;
  padding: clamp(14px, 2.4vw, 22px);
  border: 1px solid var(--annual-line);
  border-radius: var(--radius-md);
  background: var(--surface);
}

.annual-chart figcaption p {
  color: var(--annual-muted);
}

.annual-chart-heading {
  display: flex;
  flex-wrap: wrap;
  gap: 8px 14px;
  align-items: center;
  margin: 12px 0 10px;
  color: var(--annual-muted);
  font-size: 0.94rem;
}

.annual-chart-heading strong {
  margin-right: 4px;
  color: var(--annual-ink);
  font-size: 1rem;
}

.annual-chart-heading span {
  display: inline-flex;
  gap: 6px;
  align-items: center;
  font-weight: 800;
}

.annual-legend-swatch {
  width: 12px;
  height: 12px;
  border-radius: 3px;
}

.annual-legend-swatch--principal {
  background: #9ca3af;
}

.annual-legend-swatch--earnings {
  background: #f2b84b;
}

.annual-chart-frame {
  width: 100%;
  max-width: 100%;
  height: 340px;
  margin: 10px 0 14px;
  border: 1px solid var(--annual-line);
  border-radius: var(--radius-sm);
  background: var(--annual-soft);
}

.annual-chart-frame canvas {
  display: block;
  width: 100%;
  max-width: 100%;
  height: 100%;
}

.annual-table-scroll {
  max-width: 100%;
  overflow-x: auto;
  border: 1px solid var(--annual-line);
  border-radius: var(--radius-sm);
  background: var(--surface);
  overscroll-behavior-inline: contain;
}

.annual-table-scroll table {
  width: 100%;
  min-width: 680px;
  border-collapse: collapse;
}

.annual-table-scroll caption {
  padding: 10px 12px;
  color: var(--annual-muted);
  font-weight: 900;
  text-align: left;
}

.annual-table-scroll th,
.annual-table-scroll td {
  padding: 10px 12px;
  border-top: 1px solid var(--annual-line);
  text-align: left;
  white-space: nowrap;
}

.annual-table-scroll thead th {
  background: var(--annual-soft);
}

.annual-num {
  text-align: right;
}

.annual-calculator-guide ol {
  margin: 14px 0 0;
  padding-left: 1.35rem;
}

.annual-calculator-guide li + li {
  margin-top: 8px;
}

.annual-appendix details {
  max-width: 100%;
  margin-top: 12px;
  overflow: hidden;
  border: 1px solid var(--annual-line);
  border-radius: var(--radius-sm);
  background: var(--surface-soft);
}

.annual-appendix summary {
  padding: 12px 14px;
  font-weight: 900;
  cursor: pointer;
}

.annual-method-note {
  display: grid;
  gap: 10px;
  padding: 0 14px 14px;
}

.annual-method-note p {
  margin: 0;
}

.annual-final-cta {
  width: min(860px, 100%);
  margin-inline: auto;
}

@media (max-width: 900px) {
  .annual-hero,
  .annual-wide-card,
  .annual-case,
  .annual-case--reverse,
  .annual-calculator-guide {
    grid-template-columns: 1fr;
  }

  .annual-case--reverse .annual-case-copy {
    order: 0;
  }

  .annual-hero-figure img {
    min-height: 280px;
    aspect-ratio: 16 / 10;
  }
}

@media (max-width: 640px) {
  .annual-page-main {
    width: min(100% - 20px, 1180px);
  }

  .annual-article {
    gap: 24px;
    padding: 14px 12px;
  }

  .annual-hero {
    padding: 14px;
  }

  .annual-hero h1 {
    font-size: clamp(2rem, 10vw, 2.65rem);
  }

  .annual-answer-strip,
  .annual-toc ol {
    grid-template-columns: 1fr;
  }

  .annual-process-list li {
    grid-template-columns: 1fr;
  }

  .annual-hero-figure img {
    min-height: 220px;
    aspect-ratio: 4 / 3;
  }

  .annual-mascot img,
  .annual-mascot--calculator img {
    width: min(100%, 260px);
    max-height: 230px;
  }

  .annual-chart-frame {
    height: 270px;
  }

  .annual-table-scroll table {
    min-width: 560px;
    font-size: 0.9rem;
  }

  .annual-table-scroll caption {
    padding: 8px 10px;
  }

  .annual-table-scroll th,
  .annual-table-scroll td {
    padding: 8px 10px;
  }
}

@media (max-width: 420px) {
  .annual-chart {
    margin-top: 14px;
    padding: 10px;
  }

  .annual-chart h3 {
    font-size: 1rem;
    line-height: 1.35;
  }

  .annual-chart figcaption p {
    font-size: 0.92rem;
  }

  .annual-chart-heading {
    gap: 6px 10px;
    margin: 10px 0 8px;
    font-size: 0.86rem;
  }

  .annual-chart-heading strong {
    flex-basis: 100%;
    font-size: 0.95rem;
  }

  .annual-chart-frame {
    height: 250px;
    margin: 10px 0;
  }

  .annual-table-scroll table {
    min-width: 520px;
    font-size: 0.86rem;
  }
}