@import "https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700;800&display=swap";:root{--bg-dark:#050510;--card-bg:#0d0d1f;--input-bg:#111128;--accent:#0ea5e9;--cyan:#00f3ff;--purple:#bc13fe;--green:#10b981;--amber:#f59e0b;--red:#ef4444;--gold:#f59e0b;--text-main:#fff;--text-dim:#88a;--text-muted:#666;--border:#ffffff12;--radius:12px;--radius-sm:8px}*,:before,:after{box-sizing:border-box;margin:0;padding:0}body{background:var(--bg-dark);color:var(--text-main);min-height:100vh;font-family:Inter,sans-serif;font-size:15px;line-height:1.6}.nav-inner{justify-content:space-between;align-items:center;gap:16px;max-width:1200px;height:60px;margin:0 auto;padding:0 24px;display:flex}.calc-breadcrumb{max-width:1200px;color:var(--text-muted);margin:0 auto;padding:12px 24px 0;font-size:.78rem}.calc-breadcrumb a{color:var(--text-dim);text-decoration:none}.calc-breadcrumb a:hover{color:var(--accent)}.calc-breadcrumb .sep{margin:0 6px}.main-container{max-width:1200px;margin:0 auto;padding:20px 24px 60px}.page-header{margin-bottom:24px}.page-title{background:linear-gradient(135deg, var(--cyan), var(--accent));-webkit-text-fill-color:transparent;-webkit-background-clip:text;background-clip:text;margin-bottom:6px;font-size:clamp(1.5rem,3vw,2rem);font-weight:800;line-height:1.2}.page-subtitle{color:var(--text-dim);font-size:.92rem}.tab-nav{border-bottom:1px solid var(--border);flex-wrap:wrap;gap:8px;margin-bottom:24px;display:flex}.tab-btn{color:var(--text-dim);cursor:pointer;white-space:nowrap;background:0 0;border:none;border-bottom:2px solid #0000;border-radius:8px 8px 0 0;padding:9px 20px;font-family:inherit;font-size:.88rem;font-weight:600;transition:all .2s}.tab-btn:hover{color:var(--text-main);background:#ffffff0a}.tab-btn.active{color:var(--text-main);border-bottom-color:var(--accent);background:#0ea5e91f;box-shadow:0 0 16px #0ea5e92e}.tab-content{display:none}.tab-content.active{display:block}.calc-grid{grid-template-columns:360px 1fr;align-items:start;gap:24px;display:grid}.card{background:var(--card-bg);border:1px solid var(--border);border-radius:var(--radius);padding:24px}.card-title{letter-spacing:.08em;text-transform:uppercase;color:var(--text-dim);margin-bottom:18px;font-size:.8rem;font-weight:700}.input-card{border-left:3px solid var(--cyan)}.result-card{border-left:3px solid var(--purple)}.input-group{margin-bottom:16px}.input-label{color:var(--text-dim);letter-spacing:.03em;margin-bottom:6px;font-size:.8rem;font-weight:600;display:block}.input-wrap{align-items:center;display:flex;position:relative}.input-prefix{color:var(--text-muted);pointer-events:none;font-size:.9rem;position:absolute;left:12px}.input-field{background:var(--input-bg);border:1px solid var(--border);border-radius:var(--radius-sm);width:100%;color:var(--text-main);-moz-appearance:textfield;outline:none;padding:10px 12px 10px 26px;font-family:inherit;font-size:.95rem;transition:border-color .2s,box-shadow 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#f59e0b59}.nrr-badge.excellent{color:#10b981;background:#10b98126;border:1px solid #10b9814d}.nrr-badge.good{color:#0ea5e9;background:#0ea5e926;border:1px solid #0ea5e94d}.nrr-badge.acceptable{color:#a78bfa;background:#8b5cf626;border:1px solid #8b5cf64d}.nrr-badge.concerning{color:#ef4444;background:#ef444426;border:1px solid #ef44444d}.world-class-badge{color:#f59e0b;letter-spacing:.05em;text-transform:uppercase;background:linear-gradient(135deg,#f59e0b26,#f59e0b0d);border:1px solid #f59e0b59;border-radius:100px;align-items:center;gap:8px;margin-bottom:12px;padding:8px 20px;font-size:.82rem;font-weight:700;display:inline-flex}.world-class-badge.hidden{display:none}.nrr-gauge{flex-direction:column;align-items:center;margin-bottom:20px;display:flex}.nrr-gauge svg{overflow:visible}.gauge-label{letter-spacing:.07em;text-transform:uppercase;color:var(--text-dim);margin-bottom:8px;font-size:.72rem;font-weight:700}.gauge-scale{width:260px;color:var(--text-muted);justify-content:space-between;margin-top:4px;font-size:.65rem;display:flex}.stat-grid{grid-template-columns:repeat(3,1fr);gap:12px;margin-bottom:20px;display:grid}.stat-card{background:var(--input-bg);border:1px solid var(--border);border-left:3px solid var(--purple);border-radius:var(--radius-sm);padding:12px}.stat-label{letter-spacing:.07em;text-transform:uppercase;color:var(--text-muted);margin-bottom:4px;font-size:.68rem;font-weight:700}.stat-value{color:var(--text-main);font-size:1.05rem;font-weight:700}.formula-strip{flex-wrap:wrap;gap:8px;margin-bottom:20px;display:flex}.formula-pill{color:var(--accent);white-space:nowrap;background:#0ea5e914;border:1px solid #0ea5e933;border-radius:6px;padding:5px 12px;font-family:Courier 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canvas{display:block;width:100%!important}.chart-title{letter-spacing:.06em;text-transform:uppercase;color:var(--text-dim);margin-bottom:10px;font-size:.75rem;font-weight:700}.alert-stack{flex-direction:column;gap:8px;margin-bottom:20px;display:flex}.alert{border-radius:var(--radius-sm);align-items:flex-start;gap:10px;padding:10px 14px;font-size:.8rem;line-height:1.4;display:none}.alert.show{display:flex}.alert-icon{flex-shrink:0;margin-top:1px;font-size:1rem}.alert-info{color:#7dd3fc;background:#0ea5e91a;border:1px solid #0ea5e940}.alert-success{color:#6ee7b7;background:#10b9811a;border:1px solid #10b98140}.alert-warn{color:#fcd34d;background:#f59e0b1a;border:1px solid #f59e0b40}.alert-danger{color:#fca5a5;background:#ef44441a;border:1px solid #ef444440}.alert-gold{color:#fcd34d;background:#f59e0b1f;border:1px solid #f59e0b4d}.action-bar{flex-wrap:wrap;gap:10px;margin-top:16px;display:flex}.btn{border-radius:var(--radius-sm);cursor:pointer;white-space:nowrap;border:none;align-items:center;gap:6px;padding:8px 18px;font-family:inherit;font-size:.82rem;font-weight:600;text-decoration:none;transition:all .2s;display:inline-flex}.btn-primary{background:var(--accent);color:#fff}.btn-primary:hover{background:#0284c7;box-shadow:0 0 16px #0ea5e959}.btn-outline{border:1px solid var(--border);color:var(--text-dim);background:0 0}.btn-outline:hover{border-color:var(--accent);color:var(--accent);background:#0ea5e90f}.scenario-grid{grid-template-columns:repeat(3,1fr);gap:16px;margin-bottom:24px;display:grid}.scenario-card{background:var(--input-bg);border:1px solid var(--border);border-radius:var(--radius);padding:18px}.scenario-card.bear{border-top:3px solid var(--red)}.scenario-card.base{border-top:3px solid var(--accent)}.scenario-card.bull{border-top:3px solid var(--green)}.scenario-label{letter-spacing:.1em;text-transform:uppercase;color:var(--text-muted);margin-bottom:8px;font-size:.7rem;font-weight:700}.scenario-value{color:var(--text-main);margin-bottom:4px;font-size:1.6rem;font-weight:800}.scenario-desc{color:var(--text-dim);font-size:.75rem}.matrix-wrap{border-radius:var(--radius-sm);margin-bottom:24px;overflow-x:auto}.matrix-table{border-collapse:collapse;width:100%;font-size:.78rem}.matrix-table th,.matrix-table td{text-align:center;border:1px solid var(--border);padding:8px 10px}.matrix-table th{color:var(--text-dim);letter-spacing:.06em;text-transform:uppercase;background:#0ea5e914;font-size:.7rem;font-weight:700}.matrix-table td{background:var(--input-bg);color:var(--text-main)}.matrix-table td.high{color:#10b981;background:#10b9811f}.matrix-table td.mid{color:#7dd3fc;background:#0ea5e914}.matrix-table td.low{color:#fca5a5;background:#ef44441a}.matrix-table td.current{color:var(--accent);background:#0ea5e933;font-weight:700;box-shadow:inset 0 0 0 2px #0ea5e966}.cohort-table{border-collapse:collapse;width:100%;margin-bottom:20px;font-size:.8rem}.cohort-table th,.cohort-table td{text-align:right;border-bottom:1px solid var(--border);padding:9px 12px}.cohort-table th{color:var(--text-dim);letter-spacing:.06em;text-transform:uppercase;text-align:right;font-size:.72rem;font-weight:700}.cohort-table td:first-child,.cohort-table th:first-child{text-align:left}.cohort-table tr:hover td{background:#0ea5e90a}.cohort-table .positive{color:#10b981}.cohort-table .negative{color:#ef4444}.section-title{letter-spacing:.07em;text-transform:uppercase;color:var(--text-dim);border-bottom:1px solid var(--border);margin-bottom:16px;padding-bottom:8px;font-size:.85rem;font-weight:700}.faq-section{margin-top:40px}.faq-section-title{color:var(--text-main);margin-bottom:16px;font-size:1.1rem;font-weight:700}.faq-item{border:1px solid var(--border);border-radius:var(--radius-sm);margin-bottom:8px;overflow:hidden}.faq-q{cursor:pointer;color:var(--text-main);background:var(--card-bg);user-select:none;justify-content:space-between;align-items:center;gap:12px;padding:14px 18px;font-size:.88rem;font-weight:600;display:flex}.faq-q:hover{background:#0ea5e90d}.faq-q:after{content:"+";color:var(--accent);flex-shrink:0;font-size:1.1rem}.faq-item.open .faq-q:after{content:"−"}.faq-a{max-height:0;color:var(--text-dim);background:var(--input-bg);padding:0 18px;font-size:.84rem;line-height:1.65;transition:max-height .3s;overflow:hidden}.faq-item.open .faq-a{max-height:300px;padding:14px 18px}.related-section{margin-top:40px}.related-title{color:var(--text-main);margin-bottom:14px;font-size:1rem;font-weight:700}.related-grid{grid-template-columns:repeat(auto-fill,minmax(160px,1fr));gap:10px;display:grid}.related-card{background:var(--card-bg);border:1px solid var(--border);border-radius:var(--radius-sm);color:var(--text-dim);align-items:center;gap:8px;padding:10px 14px;font-size:.8rem;font-weight:500;text-decoration:none;transition:all .2s;display:flex}.related-card:hover{border-color:var(--accent);color:var(--accent);background:#0ea5e90d}.related-icon{font-size:1rem}.benchmark-section{margin-bottom:24px}.benchmark-title{letter-spacing:.06em;text-transform:uppercase;color:var(--text-dim);margin-bottom:14px;font-size:.8rem;font-weight:700}.benchmark-row{align-items:center;gap:12px;margin-bottom:10px;display:flex}.benchmark-name{width:160px;color:var(--text-dim);flex-shrink:0;font-size:.8rem}.benchmark-bar-wrap{background:#ffffff0f;border-radius:4px;flex:1;height:8px;overflow:hidden}.benchmark-bar{background:linear-gradient(90deg, var(--accent), var(--cyan));border-radius:4px;height:100%;transition:width .5s}.benchmark-bar.your{background:linear-gradient(90deg, var(--purple), var(--accent))}.benchmark-bar.gold{background:linear-gradient(90deg,#d97706,#f59e0b)}.benchmark-num{width:52px;color:var(--text-main);text-align:right;font-size:.82rem;font-weight:700}footer{background:var(--card-bg);border-top:1px solid var(--border);text-align:center;color:var(--text-muted);margin-top:60px;padding:28px 24px;font-size:.8rem}footer a{color:var(--text-dim);text-decoration:none}footer a:hover{color:var(--accent)}@media (width<=900px){.calc-grid,.scenario-grid{grid-template-columns:minmax(0,1fr);overflow:hidden}}@media (width<=600px){.main-container{padding:16px 14px 48px}.nav-inner{padding:0 14px}.stat-grid,.retention-breakdown{grid-template-columns:repeat(2,1fr)}.formula-strip{gap:6px}.formula-pill{padding:4px 8px;font-size:.65rem}.tab-btn{padding:7px 12px;font-size:.82rem}.hero-value{font-size:2.2rem}.action-bar{flex-direction:column}.action-bar 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