:root{--ink:#17324d;--navy:#214f78;--blue:#e6f0f8;--line:#c9d7e4;--green:#23805a;--green-bg:#e5f4ed;--red:#b63b38;--red-bg:#fcebea;--gold:#e7a63b;--muted:#64788a;--shadow:0 12px 32px #1837521f}*{box-sizing:border-box}body{color:var(--ink);background:linear-gradient(135deg,#edf4f9,#f9fbfd 44%,#e8f1f7);min-height:100vh;margin:0;font-family:Microsoft JhengHei,Noto Sans TC,sans-serif}button,input,select{font:inherit}button{cursor:pointer}.app{max-width:1500px;margin:auto;padding:24px}.mast{background:var(--navy);color:#fff;box-shadow:var(--shadow);border-radius:14px 14px 5px 5px;justify-content:space-between;align-items:end;gap:20px;padding:22px 28px;display:flex}.mast h1{letter-spacing:.04em;margin:8px 0;font-size:clamp(24px,3vw,40px)}.mast p{color:#dcecf8;margin:0}.mast small{color:#bcd7eb}.mast code{opacity:.82;white-space:nowrap;font-size:13px}.toolbar{border:1px solid var(--line);background:#fff;border-top:0;flex-wrap:wrap;gap:10px;padding:14px 18px;display:flex}.btn{border:1px solid var(--navy);color:var(--navy);background:#fff;border-radius:8px;padding:9px 14px;font-weight:700}.btn.primary{background:var(--navy);color:#fff}.btn:focus-visible,input:focus-visible,select:focus-visible{outline-offset:2px;outline:3px solid #f4ba57}.notice{background:var(--green-bg);border-left:5px solid var(--green);color:#1d6849;border-radius:8px;margin:14px 0 0;padding:11px 15px}.grid{grid-template-columns:minmax(600px,1.1fr) minmax(440px,.9fr);gap:18px;margin-top:18px;display:grid}.panel{border:1px solid var(--line);box-shadow:var(--shadow);background:#fffffff5;border-radius:12px;padding:20px}.panel h2{margin:6px 0 14px;font-size:20px}.panel>small{color:var(--muted);letter-spacing:.1em;font-size:12px;font-weight:800}.inputs{grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;display:grid}label{font-weight:700;display:block}input,select{width:100%;color:var(--ink);background:#fafdff;border:1px solid #aac0d2;border-radius:8px;margin-top:6px;padding:11px 12px;display:block}.cards{grid-template-columns:repeat(3,1fr);gap:10px;margin-top:16px;display:grid}.card{background:var(--blue);border:1px solid #c6dced;border-radius:10px;padding:14px}.card span{color:#526c80;font-size:13px;display:block}.card strong{margin-top:5px;font-family:Consolas,Microsoft JhengHei,sans-serif;font-size:clamp(18px,2.2vw,28px);display:block}.card.negative{background:var(--red-bg);color:var(--red);border-color:#efc3c1}.card.positive{background:var(--green-bg);color:var(--green);border-color:#bbdfce}.assumptions{grid-template-columns:repeat(3,minmax(0,1fr));gap:10px;display:grid}.assumptions input{padding:9px}.detail{color:#425b70;background:#f6f9fb;border-radius:8px;margin-top:12px;padding:12px;line-height:1.75}.detail b{color:var(--navy)}.warning{border-left:5px solid var(--gold);color:#76551a;background:#fff7df;border-radius:8px;margin-top:12px;padding:12px}.chartWrap{grid-template-columns:minmax(260px,1fr) minmax(220px,.8fr);align-items:center;gap:10px;display:grid}.chartBox{aspect-ratio:1;max-height:420px;position:relative}.chartBox canvas{width:100%;height:100%}.legend{gap:8px;display:grid}.legendRow{grid-template-columns:12px 44px 1fr 48px;align-items:center;gap:8px;font-size:14px;display:grid}.swatch{border-radius:3px;width:12px;height:12px}.tablePanel{grid-column:1/-1;overflow:hidden}.tableScroll{overflow-x:auto}table{border-collapse:collapse;width:100%;min-width:960px}th{background:var(--navy);color:#fff;text-align:center;padding:11px 9px}td{text-align:right;border-bottom:1px solid #dbe5ed;padding:9px}td:first-child{text-align:center;font-weight:700}.neg{color:var(--red);font-weight:700}.pos{color:var(--green);font-weight:700}.empty{color:#9aa9b4}footer{color:var(--muted);text-align:center;padding:18px 4px;font-size:13px}@media (width<=900px){.app{padding:10px}.mast{flex-direction:column;align-items:start}.grid{grid-template-columns:1fr}.tablePanel{grid-column:auto}.chartWrap{grid-template-columns:1fr}.chartBox{max-width:420px;margin:auto}.cards{grid-template-columns:1fr}.assumptions{grid-template-columns:repeat(2,1fr)}}@media (width<=520px){.mast{padding:18px}.panel{padding:15px}.inputs,.assumptions{grid-template-columns:1fr}.toolbar .btn{flex:45%}.legendRow{grid-template-columns:12px 42px 1fr 42px}.mast code{white-space:normal}}.yearPicker{color:#dcecf8;min-width:170px;font-size:13px}.yearPicker input{color:var(--navy);background:#fff;margin-top:6px;padding:8px 10px;font-size:18px;font-weight:800}