:root{color:#17343a;font-synthesis:none;text-rendering:optimizelegibility;--ink:#17343a;--ink-deep:#0e2b31;--muted:#65777a;--paper:#fffdfa;--paper-deep:#ece7dd;--line:#d9d4ca;--loan:#0f6b6d;--loan-soft:#dcefed;--dca:#d8714a;--dca-soft:#f8e4da;--gold:#d7aa55;--danger:#9f4437;--shadow:0 18px 50px #22353514;background:#f4f0e8;font-family:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,PingFang TC,Noto Sans TC,Microsoft JhengHei,sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth}body{min-width:320px;min-height:100vh;margin:0}button,input{font:inherit}button{color:inherit}button:focus-visible,input:focus-visible,summary:focus-visible,[role=button]:focus-visible{outline-offset:3px;outline:3px solid #0f6b6d52}header{border-bottom:1px solid #17343a1f;justify-content:space-between;align-items:center;width:min(1440px,100% - 48px);min-height:78px;margin:0 auto;display:flex}.brand{min-height:44px;color:var(--ink);letter-spacing:.02em;align-items:center;gap:11px;font-weight:800;text-decoration:none;display:flex}.brand-mark{color:#fff;background:var(--ink);border-radius:50%;place-items:center;width:31px;height:31px;font-size:18px;display:grid}.header-disclaimer{color:var(--muted);letter-spacing:.08em;font-size:13px}main{width:min(1440px,100% - 48px);margin:0 auto}.hero{grid-template-columns:minmax(0,1.4fr) minmax(300px,.6fr);align-items:center;gap:80px;min-height:490px;padding:64px 4vw 70px;display:grid;position:relative}.hero:before{content:"";z-index:-1;border:1px solid #0f6b6d24;border-radius:50%;width:320px;height:320px;position:absolute;top:52px;right:17%}.hero:after{content:"";background:var(--dca-soft);z-index:-1;border-radius:50% 50% 12px;width:96px;height:96px;position:absolute;top:110px;right:8%;transform:rotate(18deg)}.scenario-badge{width:fit-content;color:var(--loan);letter-spacing:.08em;border:1px solid #0f6b6d47;border-radius:999px;align-items:center;padding:7px 12px;font-size:12px;font-weight:700;display:inline-flex}.hero h1{letter-spacing:-.055em;color:var(--ink-deep);margin:24px 0 22px;font-size:clamp(48px,6vw,88px);line-height:1.06}.hero h1 em{color:var(--dca);font-style:normal}.hero-copy>p{max-width:650px;color:var(--muted);margin:0;font-size:18px;line-height:1.8}.hero-note{border-left:2px solid var(--gold);align-self:end;gap:14px;margin-bottom:25px;padding:22px 0 22px 24px;display:flex}.hero-note p{color:var(--muted);margin:0;font-size:14px;line-height:1.7}.hero-note strong{color:var(--ink);margin-bottom:2px;display:block}.note-icon{border:1px solid var(--gold);color:#8b6c2b;border-radius:50%;flex:none;place-items:center;width:25px;height:25px;font-weight:800;display:grid}.calculator-layout{grid-template-columns:380px minmax(0,1fr);align-items:start;gap:28px;display:grid}.control-panel{background:var(--ink-deep);color:#fff;min-width:0;box-shadow:var(--shadow);border-radius:22px;padding:30px;position:sticky;top:18px}.panel-heading,.section-label-row,.chart-header{justify-content:space-between;align-items:flex-start;gap:20px;display:flex}.eyebrow{color:var(--dca);letter-spacing:.16em;text-transform:uppercase;margin:0 0 7px;font-size:11px;font-weight:800;line-height:1.2}.control-panel .eyebrow{color:#86cfca}.control-panel h2,.control-panel h3{color:#fff;margin:0}.control-panel h2{font-size:24px}.control-panel h3{font-size:17px}.text-button{color:#b8c6c8;cursor:pointer;background:0 0;border:0;justify-content:center;align-items:center;min-width:44px;min-height:44px;padding:5px 0;font-size:13px;display:inline-flex}.text-button:hover{color:#fff}.mode-fieldset{border:0;margin:28px 0 22px;padding:0}.mode-fieldset legend{color:#b8c6c8;margin-bottom:9px;font-size:12px}.segmented-control{background:#ffffff12;border:1px solid #ffffff1a;border-radius:12px;grid-template-columns:1fr 1fr;padding:4px;display:grid}.segmented-control button{color:#b8c6c8;cursor:pointer;background:0 0;border:0;border-radius:9px;min-height:44px;font-size:13px}.segmented-control button.is-active{color:var(--ink-deep);background:#f6f2ea;font-weight:700;box-shadow:0 4px 14px #00000024}.field-grid{grid-template-columns:1fr 1fr;gap:18px 14px;display:grid}.field{flex-direction:column;gap:7px;min-width:0;display:flex}.field-label{color:#d7e0df;font-size:12px;font-weight:500}.input-wrap{align-items:center;display:flex;position:relative}.input-wrap input{color:#fff;font-variant-numeric:tabular-nums;background:#ffffff12;border:1px solid #ffffff24;border-radius:10px;width:100%;min-height:46px;padding:0 44px 0 12px}.input-wrap input:hover{border-color:#ffffff47}.input-wrap input:focus{background:#ffffff1a;border-color:#86cfca}.input-suffix{color:#8fa4a6;pointer-events:none;font-size:12px;position:absolute;right:12px}.field-helper{color:#849a9c;font-size:10px;line-height:1.45}.derived-strip{background:#86cfca14;border:1px solid #86cfca3d;border-radius:13px;justify-content:space-between;align-items:center;min-height:78px;margin:23px 0 28px;padding:15px 16px;display:flex}.derived-strip div{flex-direction:column;gap:4px;display:flex}.derived-strip span{color:#9fb2b3;font-size:11px}.derived-strip strong{color:#fff;font-variant-numeric:tabular-nums;font-size:18px}.derived-strip .derived-mark{width:32px;height:32px;color:var(--ink-deep);background:#86cfca;border-radius:50%;place-items:center;font-size:17px;display:grid}.market-editor{border-top:1px solid #ffffff1f;padding-top:24px}.tiny-note{color:var(--muted);white-space:nowrap;font-size:11px}.control-panel .tiny-note{color:#849a9c}.etf-field{flex-direction:column;gap:7px;min-width:0;margin-top:18px;display:flex}.etf-combobox{min-width:0;position:relative}.etf-combobox-input-wrap{position:relative}.etf-combobox input{color:#fff;background:#ffffff14;border:1px solid #ffffff2e;border-radius:10px;width:100%;min-height:48px;padding:0 38px 0 12px}.etf-combobox input:hover{border-color:#ffffff4d}.etf-combobox input:focus{background:#ffffff1c;border-color:#86cfca}.etf-combobox-arrow{color:#9fb2b3;pointer-events:none;position:absolute;top:50%;right:13px;transform:translateY(-55%)}.etf-options{z-index:10;background:#17343a;border:1px solid #86cfca47;border-radius:11px;margin:0;padding:5px;list-style:none;position:absolute;top:calc(100% + 7px);left:0;right:0;box-shadow:0 16px 30px #0000003d}.etf-options li{color:#d7e0df;cursor:pointer;border-radius:8px;align-items:center;gap:10px;min-height:46px;padding:9px 11px;display:flex}.etf-options li.is-active{color:var(--ink-deep);background:#86cfca}.etf-options li[aria-selected=true] strong:after{content:"目前";color:inherit;opacity:.72;margin-left:8px;font-size:9px;font-weight:500}.etf-options li span{margin-left:auto;font-size:12px}.etf-options .etf-no-results{color:#9fb2b3;cursor:default;font-size:12px}.dividend-setting{background:#86cfca12;border:1px solid #86cfca33;border-radius:11px;margin-top:14px;padding:13px}.dividend-option{cursor:pointer;grid-template-columns:auto minmax(0,1fr);align-items:center;gap:10px;min-height:44px;display:grid}.dividend-option input{accent-color:#86cfca;width:18px;height:18px;margin:1px 0 0}.dividend-option>span{flex-direction:column;gap:3px;min-width:0;display:flex}.dividend-option strong{color:#fff;font-size:13px}.dividend-option small{color:#9fb2b3;font-size:10px;line-height:1.45}.dividend-setting p{color:#849a9c;margin:10px 0 0 28px;font-size:9px;line-height:1.55}.dividend-setting a{color:#86cfca;white-space:nowrap;vertical-align:middle;justify-content:center;align-items:center;min-width:44px;min-height:44px;margin-left:8px;display:inline-flex}.dividend-setting a:focus-visible{outline-offset:3px;outline:3px solid #86cfca61}.dividend-none{gap:4px;min-width:0;display:grid}.dividend-none strong{color:#fff;font-size:13px}.dividend-none small{color:#9fb2b3;font-size:10px;line-height:1.45}.dividend-none a{align-items:center;width:fit-content;min-height:44px;margin:3px 0 0;font-size:10px;display:inline-flex}.scenario-presets{grid-template-columns:repeat(3,minmax(0,1fr));gap:9px;margin-top:15px;display:grid}.scenario-preset{background:#ffffff0f;border:1px solid #ffffff1c;border-radius:10px;flex-direction:column;gap:3px;min-width:0;padding:11px 9px;display:flex}.scenario-preset span{color:#9fb2b3;font-size:10px}.scenario-preset strong{color:#fff;font-variant-numeric:tabular-nums;font-size:15px}.calculation-mode-fieldset{margin-bottom:0}.calculation-mode-fieldset+.mode-fieldset{margin-top:16px}.month-input-wrap input{--lightningcss-light: ;--lightningcss-dark:initial;color-scheme:dark;padding-right:12px}.input-wrap input:disabled{cursor:not-allowed;opacity:.55}.historical-settings{min-width:0;margin-top:18px}.historical-period-grid{grid-template-columns:1fr 1fr;gap:14px;min-width:0;margin-top:14px;display:grid}.readonly-month{color:#d7e0df;font-variant-numeric:tabular-nums;background:#ffffff0a;border:1px solid #ffffff24;border-radius:10px;align-items:center;min-height:46px;padding:0 12px;display:flex}.historical-source-note{overflow-wrap:anywhere;color:#849a9c;margin:12px 0 0;font-size:10px;line-height:1.65}.historical-source-note a{color:#86cfca;overflow-wrap:anywhere;vertical-align:middle;align-items:center;min-width:44px;max-width:100%;min-height:44px;display:inline-flex}.historical-source-note a:focus-visible{outline-offset:3px;outline:3px solid #86cfca61}.results-column{grid-template-columns:minmax(0,1fr);gap:22px;min-width:0;display:grid}.warning-card,.error-card{border-radius:14px;gap:13px;display:flex}.warning-card{color:#745420;background:#fff4d9;border:1px solid #efd699;align-items:center;padding:15px 18px}.warning-card>span,.error-symbol{border-radius:50%;flex:none;place-items:center;width:25px;height:25px;font-weight:800;display:grid}.warning-card>span{color:#fff;background:#b8842e}.warning-card p{margin:0;font-size:13px;line-height:1.5}.error-card{background:#fff5f2;border:1px solid #e7b6ac;align-items:flex-start;padding:28px}.error-symbol{color:#fff;background:var(--danger)}.error-card h2{margin:1px 0 10px;font-size:20px}.error-card ul{color:#754e48;margin:0;padding-left:20px;line-height:1.7}.fatal-data-error{width:min(680px,100% - 40px);box-shadow:var(--shadow);background:#fff5f2;border:1px solid #e7b6ac;border-radius:20px;margin:12vh auto;padding:34px}.fatal-data-error h1{margin:8px 0 14px;font-size:clamp(28px,5vw,44px)}.fatal-data-error>p:not(.eyebrow){color:#754e48;line-height:1.7}.fatal-data-error code{overflow-wrap:anywhere;color:#754e48;background:#94443714;border-radius:10px;margin-top:20px;padding:13px;display:block}.result-overview,.metrics-section,.chart-card,.scenario-table-card{background:var(--paper);box-shadow:var(--shadow);border:1px solid #17343a17;border-radius:22px}.result-overview{padding:32px}.result-heading{grid-template-columns:minmax(0,1fr) auto;align-items:end;gap:30px;margin-bottom:27px;display:grid}.result-heading h2{color:var(--ink-deep);letter-spacing:-.035em;margin:0 0 8px;font-size:clamp(25px,3vw,38px)}.result-heading>div>p:last-child{color:var(--muted);margin:0;font-size:13px}.scenario-tabs{background:var(--paper-deep);border-radius:12px;grid-template-columns:repeat(3,78px);padding:4px;display:grid}.scenario-tabs button{min-height:51px;color:var(--muted);cursor:pointer;background:0 0;border:0;border-radius:9px;font-size:13px}.scenario-tabs button small{opacity:.8;margin-top:2px;font-size:10px;display:block}.scenario-tabs button.is-active{color:#fff;background:var(--ink);font-weight:700;box-shadow:0 5px 14px #0e2b3129}.result-mode-badge{color:var(--loan);background:var(--loan-soft);letter-spacing:.08em;border:1px solid #0f6b6d3d;border-radius:999px;align-self:start;padding:8px 12px;font-size:12px;font-weight:800}.plan-grid{grid-template-columns:1fr 1fr;gap:16px;display:grid}.plan-card{border-radius:17px;padding:24px;position:relative;overflow:hidden}.plan-card:after{content:"";opacity:.42;border-radius:50%;width:100px;height:100px;position:absolute;top:-35px;right:-35px}.plan-card.loan{background:var(--loan-soft);border:1px solid #0f6b6d1f}.plan-card.loan:after{background:#9ed4d0}.plan-card.dca{background:var(--dca-soft);border:1px solid #d8714a1f}.plan-card.dca:after{background:#f2b89f}.plan-card-topline{z-index:1;justify-content:space-between;align-items:center;min-height:26px;display:flex;position:relative}.plan-index{border:1px solid;border-radius:50%;place-items:center;width:25px;height:25px;font-size:11px;font-weight:800;display:grid}.loan .plan-index{color:var(--loan)}.dca .plan-index{color:var(--dca)}.winner-label{background:#ffffff9e;border-radius:999px;padding:5px 8px;font-size:10px;font-weight:700}.plan-card>p{color:var(--muted);margin:18px 0 3px;font-size:11px}.plan-card h3{margin:0;font-size:17px}.hero-number{margin:26px 0}.hero-number span{color:var(--muted);margin-bottom:3px;font-size:11px;display:block}.hero-number strong{letter-spacing:-.045em;font-variant-numeric:tabular-nums;font-size:clamp(34px,4vw,51px);line-height:1}.loan .hero-number strong{color:var(--loan)}.dca .hero-number strong{color:var(--dca)}.plan-card dl{border-top:1px solid #17343a1a;gap:9px;margin:0;padding-top:16px;display:grid}.plan-card dl div{justify-content:space-between;gap:16px;font-size:12px;display:flex}.plan-card dt{color:var(--muted)}.plan-card dd{font-variant-numeric:tabular-nums;margin:0;font-weight:700}.positive{color:var(--loan)!important}.negative{color:var(--danger)!important}.metrics-section,.chart-card,.scenario-table-card{padding:30px 32px}.metrics-section h2,.chart-card h2,.scenario-table-card h2{margin:0;font-size:22px}.metrics-grid{border:1px solid var(--line);background:var(--line);border-radius:15px;grid-template-columns:repeat(3,1fr);gap:1px;margin-top:23px;display:grid;overflow:hidden}.metric-card{background:var(--paper);flex-direction:column;gap:5px;min-width:0;padding:19px;display:flex}.metric-card span{color:var(--muted);font-size:11px}.metric-card strong{text-overflow:ellipsis;letter-spacing:-.02em;font-variant-numeric:tabular-nums;font-size:21px;overflow:hidden}.metric-card small{color:#8b9696;font-size:10px}.scenario-badge{color:var(--dca);border-color:#d8714a4d}.chart-legend{color:var(--muted);flex-wrap:wrap;gap:20px;margin:24px 0 10px;font-size:11px;display:flex}.chart-legend span{align-items:center;gap:7px;display:flex}.legend-line{border-radius:99px;width:24px;height:3px;display:inline-block}.legend-line.loan{background:var(--loan)}.legend-line.dca{background:var(--dca)}.legend-line.balance{background:repeating-linear-gradient(90deg,#809092 0 5px,#0000 5px 8px);height:2px}.chart-canvas{width:100%;overflow:hidden}.chart-canvas svg{width:100%;height:auto;overflow:visible}.grid-line{stroke:#e4e0d8;stroke-width:1px}.zero-line{stroke:#17343a6b;stroke-width:1.5px;stroke-dasharray:5 5}.axis-label{fill:#859193;font-family:inherit;font-size:11px}.data-line{fill:none;stroke-width:4px;stroke-linecap:round;stroke-linejoin:round}.loan-line{stroke:var(--loan)}.dca-line{stroke:var(--dca)}.balance-line{stroke:#809092;stroke-width:2.5px;stroke-dasharray:7 7}.chart-hit-area{fill:#0000;cursor:pointer}.chart-hit-area:focus{stroke:#0f6b6d66;stroke-width:2px;outline:none}.chart-dot{pointer-events:none;stroke:var(--paper);stroke-width:2px}.loan-dot{fill:var(--loan)}.dca-dot{fill:var(--dca)}.balance-dot{fill:#809092}.active-guide{stroke:#17343a33;stroke-width:1px;stroke-dasharray:3 5}.chart-readout{background:#f4f1ea;border-radius:12px;flex-wrap:wrap;align-items:center;gap:12px 20px;margin-top:3px;padding:14px 16px;font-size:11px;display:flex}.chart-readout strong{margin-right:auto;font-size:13px}.chart-readout span{color:var(--muted);align-items:center;gap:6px;display:flex}.readout-dot{border-radius:50%;width:7px;height:7px}.readout-dot.loan{background:var(--loan)}.readout-dot.dca{background:var(--dca)}.readout-dot.balance{background:#809092}.table-scroll{margin-top:19px;overflow-x:auto}table{border-collapse:collapse;width:100%;min-width:640px;font-size:12px}th,td{text-align:right;border-bottom:1px solid var(--line);font-variant-numeric:tabular-nums;padding:15px 12px}thead th{color:var(--muted);font-size:10px;font-weight:600}th:first-child,td:first-child{text-align:left}tbody tr:last-child th,tbody tr:last-child td{border-bottom:0}tbody th{font-size:13px}.method-section{border-top:1px solid #17343a24;grid-template-columns:.75fr 1.25fr;gap:9vw;margin:90px 0 65px;padding:54px 4vw;display:grid}.method-intro h2{letter-spacing:-.035em;margin:0 0 15px;font-size:clamp(30px,4vw,48px)}.method-intro>p:last-child{max-width:430px;color:var(--muted);margin:0;line-height:1.8}.method-details details{border-bottom:1px solid var(--line)}.method-details summary{cursor:pointer;padding:20px 0;font-weight:700;list-style:none}.method-details summary::-webkit-details-marker{display:none}.method-details summary:after{content:"+";float:right;color:var(--dca);font-size:20px}.method-details details[open] summary:after{content:"−"}.method-details details p{color:var(--muted);margin:-3px 0 22px;font-size:13px;line-height:1.8}footer{color:#c7d1d0;background:var(--ink-deep);grid-template-columns:130px 1fr;gap:32px;padding:34px max(24px,50vw - 672px);font-size:12px;line-height:1.7;display:grid}footer strong{color:#fff}footer p{max-width:900px;margin:0}@media (width<=1080px){.calculator-layout{grid-template-columns:330px minmax(0,1fr)}.control-panel{padding:24px}.field-grid,.result-heading{grid-template-columns:1fr}.scenario-tabs{grid-template-columns:repeat(3,1fr);width:100%}.plan-grid{grid-template-columns:1fr}.metrics-grid{grid-template-columns:1fr 1fr}}@media (width<=780px){header,main{width:min(100% - 28px,680px)}header{min-height:66px}.header-disclaimer{font-size:10px}.hero{grid-template-columns:1fr;gap:42px;min-height:auto;padding:54px 4px 52px}.hero:before{width:230px;height:230px;top:28px;right:-14px}.hero:after{width:70px;height:70px;top:72px;right:0}.hero h1{font-size:clamp(46px,14vw,70px)}.hero-copy>p{font-size:16px}.hero-note{max-width:440px;margin:0}.calculator-layout{grid-template-columns:1fr}.control-panel{padding:26px 22px;position:static}.field-grid{grid-template-columns:1fr 1fr}.result-overview,.metrics-section,.chart-card,.scenario-table-card{border-radius:18px;padding:24px 20px}.result-heading h2{font-size:30px}.metrics-grid{grid-template-columns:1fr 1fr}.chart-canvas{width:calc(100% + 10px);margin-left:-10px;overflow-x:auto}.chart-canvas svg{min-width:680px}.chart-readout{align-items:flex-start}.chart-readout strong{width:100%}.method-section{grid-template-columns:1fr;gap:24px;margin-top:65px;padding:45px 4px}footer{grid-template-columns:1fr;gap:8px}}@media (width<=480px){.brand span:last-child{font-size:14px}.field-grid{grid-template-columns:1fr}.result-heading{gap:22px}.scenario-tabs{grid-template-columns:repeat(3,1fr)}.scenario-tabs button{padding-inline:4px}.historical-period-grid{grid-template-columns:1fr}.historical-source-note{overflow-wrap:anywhere}.plan-card{padding:21px}.metrics-grid{grid-template-columns:1fr}.chart-header{align-items:center}.chart-header h2{font-size:19px}footer{padding:28px 20px}}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,:before,:after{transition-duration:.01ms!important;animation-duration:.01ms!important;animation-iteration-count:1!important}}