.cac-module__d9rNVW__container *{box-sizing:border-box;margin:0;padding:0}.cac-module__d9rNVW__container{color:#000;background-color:#fff;max-width:100%;min-height:100vh;padding-top:80px;font-family:-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Oxygen,Ubuntu,sans-serif;line-height:1.6;overflow-x:hidden}.cac-module__d9rNVW__header{color:#000;text-align:center;z-index:100;background:#fff;border-bottom:1px solid #e0e0e0;margin-top:-80px;margin-bottom:2rem;padding:80px 1rem 1.5rem;position:relative}.cac-module__d9rNVW__headerContent{max-width:1200px;margin:0 auto;padding-top:20px;position:relative}.cac-module__d9rNVW__mainTitle{color:#000;margin:0 0 .5rem;padding-top:0;font-size:2.5rem;font-weight:700;line-height:1.2}.cac-module__d9rNVW__subtitle{color:#666;max-width:600px;margin-bottom:1.5rem;margin-left:auto;margin-right:auto;font-size:1.2rem}.cac-module__d9rNVW__badgeContainer{flex-wrap:wrap;justify-content:center;gap:.75rem;margin-top:1rem;display:flex}.cac-module__d9rNVW__badge{color:#000;background:#f5f5f5;border:1px solid #ddd;border-radius:50px;padding:.5rem 1rem;font-size:.875rem;font-weight:500}.cac-module__d9rNVW__mainContent{max-width:1200px;margin:0 auto;padding:0 1rem 3rem}.cac-module__d9rNVW__calculatorLayout{grid-template-columns:1fr;gap:2rem;margin-bottom:3rem;display:grid}@media (min-width:992px){.cac-module__d9rNVW__calculatorLayout{grid-template-columns:1fr 1fr}}.cac-module__d9rNVW__calculatorCard,.cac-module__d9rNVW__resultsCard{background:#f8f8f8;border:1px solid #e0e0e0;border-radius:8px;padding:2rem;box-shadow:0 2px 4px #0000000d}.cac-module__d9rNVW__sectionTitle{color:#000;border-bottom:2px solid #333;margin-bottom:1.5rem;padding-bottom:.75rem;font-size:1.5rem;font-weight:600}.cac-module__d9rNVW__inputGroup{margin-bottom:1.75rem}.cac-module__d9rNVW__inputLabel{color:#333;margin-bottom:.75rem;font-size:1rem;font-weight:500;display:block}.cac-module__d9rNVW__inputSubtitle{color:#000;border-bottom:1px solid #e0e0e0;margin-bottom:1rem;padding-bottom:.5rem;font-size:1.1rem;font-weight:600}.cac-module__d9rNVW__inputWrapper{flex-wrap:wrap;align-items:center;gap:1rem;margin-bottom:.5rem;display:flex}.cac-module__d9rNVW__currencySymbol,.cac-module__d9rNVW__unitSymbol{color:#000;min-width:20px;font-weight:600}.cac-module__d9rNVW__slider{-webkit-appearance:none;background:#e0e0e0;border-radius:3px;outline:none;flex:1;min-width:150px;height:6px}.cac-module__d9rNVW__slider::-webkit-slider-thumb{-webkit-appearance:none;cursor:pointer;background:#333;border:2px solid #fff;border-radius:50%;width:20px;height:20px;box-shadow:0 1px 3px #0000004d}.cac-module__d9rNVW__slider::-moz-range-thumb{cursor:pointer;background:#333;border:2px solid #fff;border-radius:50%;width:20px;height:20px;box-shadow:0 1px 3px #0000004d}.cac-module__d9rNVW__numberInput{color:#000;text-align:center;background:#fff;border:1px solid #ccc;border-radius:4px;width:120px;padding:.75rem;font-size:1rem;font-weight:500;transition:border-color .2s}.cac-module__d9rNVW__numberInput:focus{border-color:#333;outline:none}.cac-module__d9rNVW__valueDisplay{color:#000;padding:.5rem 0;font-size:1.25rem;font-weight:600}.cac-module__d9rNVW__expenseGrid{grid-template-columns:repeat(2,1fr);gap:1rem;margin-bottom:1rem;display:grid}@media (max-width:768px){.cac-module__d9rNVW__expenseGrid{grid-template-columns:1fr}}.cac-module__d9rNVW__expenseInput{background:#fff;border:1px solid #e0e0e0;border-radius:4px;padding:.75rem}.cac-module__d9rNVW__expenseLabel{color:#666;margin-bottom:.5rem;font-size:.875rem;font-weight:500;display:block}.cac-module__d9rNVW__expenseWrapper{align-items:center;gap:.5rem;display:flex}.cac-module__d9rNVW__expenseNumberInput{color:#000;text-align:right;background:#fff;border:1px solid #ccc;border-radius:4px;flex:1;padding:.5rem;font-size:1rem}.cac-module__d9rNVW__expenseNumberInput:focus{border-color:#333;outline:none}.cac-module__d9rNVW__totalExpenseDisplay{text-align:right;color:#333;border-top:1px solid #e0e0e0;margin-top:1rem;padding-top:1rem;font-size:1.1rem}.cac-module__d9rNVW__totalExpenseDisplay strong{color:#000;font-weight:700}.cac-module__d9rNVW__selectInput{color:#000;cursor:pointer;background:#fff;border:1px solid #ccc;border-radius:4px;width:100%;padding:.875rem;font-size:1rem;transition:border-color .2s}.cac-module__d9rNVW__selectInput:focus{border-color:#333;outline:none}.cac-module__d9rNVW__radioGroup{grid-template-columns:repeat(auto-fill,minmax(100px,1fr));gap:.75rem;margin-top:.5rem;display:grid}.cac-module__d9rNVW__radioLabel{cursor:pointer;background:#fff;border:1px solid #e0e0e0;border-radius:4px;align-items:center;gap:.5rem;padding:.5rem;transition:background-color .2s;display:flex}.cac-module__d9rNVW__radioLabel:hover{background-color:#f0f0f0}.cac-module__d9rNVW__radioInput{accent-color:#333;width:16px;height:16px}.cac-module__d9rNVW__radioText{color:#333;text-align:center;flex:1;font-size:.875rem}.cac-module__d9rNVW__resultsGrid{grid-template-columns:repeat(2,1fr);gap:1.5rem;margin-bottom:2rem;display:grid}@media (max-width:768px){.cac-module__d9rNVW__resultsGrid{grid-template-columns:1fr}}.cac-module__d9rNVW__resultItem{text-align:center;background:#fff;border:1px solid #e0e0e0;border-radius:6px;padding:1.25rem}.cac-module__d9rNVW__resultLabel{color:#666;text-transform:uppercase;letter-spacing:.5px;margin-bottom:.5rem;font-size:.875rem}.cac-module__d9rNVW__resultValue{color:#000;margin-bottom:.25rem;font-size:1.75rem;font-weight:700}.cac-module__d9rNVW__resultSubtext{color:#666;justify-content:center;align-items:center;gap:.25rem;font-size:.875rem;display:flex}.cac-module__d9rNVW__chartContainer{background:#fff;border:1px solid #e0e0e0;border-radius:6px;margin:2rem 0;padding:1.5rem}.cac-module__d9rNVW__chartTitle{color:#000;margin-bottom:1.5rem;font-size:1.25rem;font-weight:600}.cac-module__d9rNVW__chartBars{flex-direction:column;gap:.75rem;display:flex}.cac-module__d9rNVW__chartBarGroup{flex-wrap:wrap;align-items:center;gap:1rem;display:flex}.cac-module__d9rNVW__chartBarLabel{color:#333;min-width:140px;font-size:.875rem;font-weight:500}.cac-module__d9rNVW__chartBarContainer{background:#f0f0f0;border-radius:4px;flex:1;min-width:200px;height:25px;overflow:hidden}.cac-module__d9rNVW__chartBar{height:100%;transition:width .3s}.cac-module__d9rNVW__chartBarValue{text-align:right;color:#000;min-width:100px;font-size:.9375rem;font-weight:600}.cac-module__d9rNVW__expenseBreakdown{background:#fff;border:1px solid #e0e0e0;border-radius:6px;margin:2rem 0;padding:1.5rem}.cac-module__d9rNVW__expensePieChart{flex-wrap:wrap;align-items:center;gap:2rem;display:flex}@media (max-width:768px){.cac-module__d9rNVW__expensePieChart{flex-direction:column;align-items:stretch}}.cac-module__d9rNVW__pieChartContainer{background:conic-gradient(#2196f3 0% 25%,#ff9800 25% 50%,#9c27b0 50% 75%,#4caf50 75% 100%);border-radius:50%;flex-shrink:0;width:200px;height:200px;position:relative;overflow:hidden}.cac-module__d9rNVW__pieSegment{clip-path:polygon(50% 50%,50% 0%,100% 0%,100% 100%,50% 100%);transform-origin:50%;width:100%;height:100%;position:absolute}.cac-module__d9rNVW__expenseLegend{flex:1;min-width:250px}.cac-module__d9rNVW__legendItem{border-bottom:1px solid #f0f0f0;align-items:center;gap:.75rem;padding:.5rem 0;display:flex}.cac-module__d9rNVW__legendItem:last-child{border-bottom:none}.cac-module__d9rNVW__legendColor{border-radius:4px;flex-shrink:0;width:16px;height:16px}.cac-module__d9rNVW__legendText{color:#333;flex:1;font-size:.875rem}.cac-module__d9rNVW__legendText strong{color:#000;font-weight:600}.cac-module__d9rNVW__cacLtvVisualization{margin-top:2rem}.cac-module__d9rNVW__ratioVisualization{margin-top:1rem}.cac-module__d9rNVW__ratioBar{background:#f0f0f0;border-radius:4px;height:60px;margin-bottom:1rem;display:flex;overflow:hidden}.cac-module__d9rNVW__cacPortion{color:#fff;background:#ff5722;border-right:2px solid #fff;flex-direction:column;justify-content:center;align-items:center;height:100%;transition:width .3s;display:flex}.cac-module__d9rNVW__ltvPortion{color:#fff;background:#4caf50;flex-direction:column;justify-content:center;align-items:center;height:100%;transition:width .3s;display:flex}.cac-module__d9rNVW__ratioLabel{margin-bottom:.25rem;font-size:.875rem;font-weight:500}.cac-module__d9rNVW__ratioValue{font-size:1.125rem;font-weight:700}.cac-module__d9rNVW__ratioInfo{text-align:center}.cac-module__d9rNVW__ratioIndicator{justify-content:center;align-items:center;gap:.75rem;margin-bottom:.5rem;display:flex}.cac-module__d9rNVW__indicatorDot{border-radius:50%;width:12px;height:12px}.cac-module__d9rNVW__indicatorGood{background:#4caf50}.cac-module__d9rNVW__indicatorPoor{background:#ff5722}.cac-module__d9rNVW__indicatorText{color:#333;font-size:1rem}.cac-module__d9rNVW__indicatorText strong{color:#000;font-weight:700}.cac-module__d9rNVW__ratioNote{color:#666;margin:0;font-size:.875rem;font-style:italic}.cac-module__d9rNVW__insightsCard{background:#f5f5f5;border-left:4px solid #333;border-radius:6px;margin-top:2rem;padding:1.5rem}.cac-module__d9rNVW__insightsTitle{color:#000;margin-bottom:1rem;font-size:1.25rem;font-weight:600}.cac-module__d9rNVW__recommendationBox{background:#fff;border:1px solid #e0e0e0;border-radius:4px;padding:1.5rem}.cac-module__d9rNVW__recommendationText{color:#333;margin-bottom:1.5rem;font-size:1.1rem;line-height:1.6}.cac-module__d9rNVW__actionSteps{border-top:1px solid #e0e0e0;padding-top:1.5rem}.cac-module__d9rNVW__actionTitle{color:#000;margin-bottom:1rem;font-size:1.1rem;font-weight:600}.cac-module__d9rNVW__actionList{margin:0;padding:0;list-style:none}.cac-module__d9rNVW__actionList li{color:#333;border-bottom:1px solid #f0f0f0;padding:.5rem 0 .5rem 1.5rem;position:relative}.cac-module__d9rNVW__actionList li:last-child{border-bottom:none}.cac-module__d9rNVW__actionList li:before{content:"→";color:#333;font-weight:700;position:absolute;left:0}.cac-module__d9rNVW__educationalContent{max-width:800px;margin:0 auto}.cac-module__d9rNVW__articleCard{background:#fff;border:1px solid #e0e0e0;border-radius:8px;margin-bottom:2rem;padding:2.5rem;box-shadow:0 2px 8px #0000000d}.cac-module__d9rNVW__articleTitle{color:#000;margin-bottom:2rem;font-size:2rem;font-weight:700;line-height:1.3}.cac-module__d9rNVW__articleSection{margin-bottom:2.5rem}.cac-module__d9rNVW__articleSubtitle{color:#000;margin-bottom:1rem;font-size:1.5rem;font-weight:600}.cac-module__d9rNVW__articleCard p{color:#333;margin-bottom:1rem;line-height:1.7}.cac-module__d9rNVW__formulaCard{background:#f8f8f8;border-left:4px solid #333;border-radius:6px;margin:1.5rem 0;padding:1.5rem}.cac-module__d9rNVW__formulaCard h4{color:#000;margin-bottom:1rem;font-size:1.1rem;font-weight:600}.cac-module__d9rNVW__formulaBox{color:#333;background:#fff;border:1px solid #e0e0e0;border-radius:4px;margin-bottom:1rem;padding:1.5rem;font-family:Courier New,monospace;font-size:1.1rem;font-weight:600}.cac-module__d9rNVW__benchmarksTable{margin:1.5rem 0;overflow-x:auto}.cac-module__d9rNVW__table{border-collapse:collapse;border:1px solid #e0e0e0;width:100%}.cac-module__d9rNVW__table th{color:#000;text-align:left;background:#f5f5f5;border-bottom:2px solid #333;padding:1rem;font-weight:600}.cac-module__d9rNVW__table td{color:#333;border-bottom:1px solid #e0e0e0;padding:1rem}.cac-module__d9rNVW__table tr:last-child td{border-bottom:none}.cac-module__d9rNVW__table tr:hover{background:#f9f9f9}.cac-module__d9rNVW__goldenRuleCard{grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:1.5rem;margin:1.5rem 0;display:grid}.cac-module__d9rNVW__ruleColumn{background:#f8f8f8;border:1px solid #e0e0e0;border-radius:6px;padding:1.5rem}.cac-module__d9rNVW__ruleColumn h4{color:#000;margin-bottom:.75rem;font-size:1.1rem;font-weight:600}.cac-module__d9rNVW__ruleColumn p{color:#333;margin:0;font-size:.9375rem;line-height:1.6}.cac-module__d9rNVW__strategyGrid{grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:1.5rem;margin:1.5rem 0;display:grid}.cac-module__d9rNVW__strategyCard{background:#fff;border:1px solid #e0e0e0;border-radius:6px;padding:1.5rem;transition:transform .2s,box-shadow .2s}.cac-module__d9rNVW__strategyCard:hover{transform:translateY(-2px);box-shadow:0 4px 8px #0000001a}.cac-module__d9rNVW__strategyCard h4{color:#000;margin-bottom:.75rem;font-size:1.1rem;font-weight:600}.cac-module__d9rNVW__strategyCard p{color:#666;font-size:.9375rem;line-height:1.6}.cac-module__d9rNVW__warningList{margin:1rem 0;padding:0;list-style:none}.cac-module__d9rNVW__warningList li{color:#333;border-bottom:1px solid #e0e0e0;align-items:flex-start;gap:.5rem;padding:.875rem 0;display:flex}.cac-module__d9rNVW__warningList li:before{content:"⚠️";flex-shrink:0;margin-top:.125rem}.cac-module__d9rNVW__warningList li strong{color:#000;font-weight:600}.cac-module__d9rNVW__expertQuote{color:#333;background:#f5f5f5;border-left:4px solid #333;border-radius:6px;margin:2rem 0;padding:2rem;font-style:italic;line-height:1.7}.cac-module__d9rNVW__quoteFooter{color:#666;text-align:right;margin-top:1rem;font-size:.875rem;font-style:normal}.cac-module__d9rNVW__faqCard{background:#fff;border:1px solid #e0e0e0;border-radius:8px;margin-bottom:2rem;padding:2.5rem;box-shadow:0 2px 8px #0000000d}.cac-module__d9rNVW__faqTitle{color:#000;text-align:center;margin-bottom:2rem;font-size:1.75rem;font-weight:700}.cac-module__d9rNVW__faqItem{border-bottom:1px solid #e0e0e0;padding:1.5rem 0}.cac-module__d9rNVW__faqItem:last-child{border-bottom:none}.cac-module__d9rNVW__faqQuestion{color:#000;margin-bottom:1rem;font-size:1.2rem;font-weight:600}.cac-module__d9rNVW__faqAnswer{color:#333;margin:0;line-height:1.7}.cac-module__d9rNVW__actionSection{max-width:800px;margin:3rem auto 0}.cac-module__d9rNVW__ctaCard{color:#000;text-align:center;background:#fff;border:2px solid #333;border-radius:8px;padding:3rem}.cac-module__d9rNVW__ctaTitle{margin-bottom:1rem;font-size:2rem;font-weight:700}.cac-module__d9rNVW__ctaText{color:#333;max-width:600px;margin-bottom:2rem;margin-left:auto;margin-right:auto;font-size:1.125rem}.cac-module__d9rNVW__scenarioButtons{flex-wrap:wrap;justify-content:center;gap:1rem;margin-bottom:2rem;display:flex}.cac-module__d9rNVW__scenarioButton{color:#333;cursor:pointer;background:#f5f5f5;border:1px solid #ccc;border-radius:4px;min-width:180px;padding:1rem 2rem;font-size:1rem;font-weight:600;transition:all .2s}.cac-module__d9rNVW__scenarioButton:hover{color:#fff;background:#333;transform:translateY(-2px);box-shadow:0 4px 8px #0003}.cac-module__d9rNVW__disclaimer{color:#666;border-top:1px solid #e0e0e0;margin-top:2rem;padding-top:1.5rem;font-size:.875rem;line-height:1.6}.cac-module__d9rNVW__disclaimer strong{color:#000}.cac-module__d9rNVW__footer{color:#333;text-align:center;background:#f8f8f8;border-top:1px solid #e0e0e0;margin-top:4rem;padding:2rem 1rem}.cac-module__d9rNVW__footerContent{max-width:800px;margin:0 auto}.cac-module__d9rNVW__footerText{color:#333;margin-bottom:1rem;line-height:1.6}.cac-module__d9rNVW__footerNote{color:#666;border-top:1px solid #ccc;margin-top:1rem;padding-top:1rem;font-size:.875rem}@media (max-width:768px){.cac-module__d9rNVW__container{padding-top:70px}.cac-module__d9rNVW__header{margin-top:-70px;padding:70px 1rem 1rem}.cac-module__d9rNVW__mainTitle{margin-top:0;padding-top:10px;font-size:2rem}.cac-module__d9rNVW__subtitle{font-size:1.1rem}.cac-module__d9rNVW__articleTitle{font-size:1.75rem}.cac-module__d9rNVW__articleCard,.cac-module__d9rNVW__faqCard,.cac-module__d9rNVW__calculatorCard,.cac-module__d9rNVW__resultsCard{padding:1.5rem}.cac-module__d9rNVW__chartBarGroup{flex-direction:column;align-items:flex-start;gap:.5rem}.cac-module__d9rNVW__chartBarContainer{width:100%;min-width:100%}.cac-module__d9rNVW__chartBarValue{text-align:left;min-width:auto}.cac-module__d9rNVW__ctaCard{padding:2rem 1.5rem}.cac-module__d9rNVW__ctaTitle{font-size:1.75rem}.cac-module__d9rNVW__scenarioButtons{flex-direction:column;align-items:center}.cac-module__d9rNVW__scenarioButton{width:100%;max-width:300px}.cac-module__d9rNVW__strategyGrid,.cac-module__d9rNVW__goldenRuleCard{grid-template-columns:1fr}.cac-module__d9rNVW__radioGroup{grid-template-columns:repeat(2,1fr)}.cac-module__d9rNVW__table{font-size:.875rem}}@media (max-width:480px){.cac-module__d9rNVW__container{padding-top:60px}.cac-module__d9rNVW__header{margin-top:-60px;padding:60px 1rem 1rem}.cac-module__d9rNVW__mainTitle{margin-top:0;padding-top:5px;font-size:1.75rem;line-height:1.3}.cac-module__d9rNVW__subtitle{font-size:1rem}.cac-module__d9rNVW__badgeContainer{flex-direction:column;align-items:center;gap:.5rem}.cac-module__d9rNVW__badge{width:fit-content}.cac-module__d9rNVW__inputWrapper{flex-direction:column;align-items:stretch;gap:.75rem}.cac-module__d9rNVW__slider,.cac-module__d9rNVW__numberInput{width:100%}.cac-module__d9rNVW__numberInput{order:1}.cac-module__d9rNVW__slider{order:2}.cac-module__d9rNVW__unitSymbol{text-align:center;order:3;margin-top:.5rem}.cac-module__d9rNVW__articleCard,.cac-module__d9rNVW__faqCard{padding:1.25rem}.cac-module__d9rNVW__ctaCard{padding:1.5rem 1rem}.cac-module__d9rNVW__pieChartContainer{width:150px;height:150px}.cac-module__d9rNVW__radioGroup{grid-template-columns:1fr}}@media print{.cac-module__d9rNVW__container{padding-top:0!important}.cac-module__d9rNVW__header{border-bottom:2px solid #000;margin-top:0;padding:0 0 1rem}.cac-module__d9rNVW__scenarioButtons,.cac-module__d9rNVW__badgeContainer{display:none}.cac-module__d9rNVW__calculatorLayout{break-inside:avoid}.cac-module__d9rNVW__footer{background:0 0;border-top:2px solid #000}}@media (prefers-reduced-motion:reduce){.cac-module__d9rNVW__container *{transition-duration:.01ms!important;animation-duration:.01ms!important;animation-iteration-count:1!important}}@media (prefers-contrast:high){.cac-module__d9rNVW__container{color:#000;background:#fff}.cac-module__d9rNVW__calculatorCard,.cac-module__d9rNVW__resultsCard,.cac-module__d9rNVW__articleCard,.cac-module__d9rNVW__faqCard{background:#fff;border:2px solid #000}.cac-module__d9rNVW__ratioBar{border:2px solid #000}}.cac-module__d9rNVW__container ::-webkit-scrollbar{width:8px}.cac-module__d9rNVW__container ::-webkit-scrollbar-track{background:#f1f1f1}.cac-module__d9rNVW__container ::-webkit-scrollbar-thumb{background:#888;border-radius:4px}.cac-module__d9rNVW__container ::-webkit-scrollbar-thumb:hover{background:#555}