:root{--navy:#091b45;--blue:#004aac;--sky:#eaf2ff;--bg:#f3f6fc;--ink:#17264b;--muted:#51627a;--line:#d5dfef;--surface:#fff;--green:#086c60}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font:16px/1.6 system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}
a{color:var(--blue);text-underline-offset:3px}
a:hover{text-decoration-thickness:2px}
button,input{font:inherit}
button:focus-visible,input:focus-visible,a:focus-visible{outline:3px solid #edab22;outline-offset:3px}
button{touch-action:manipulation}
[hidden]{display:none!important}
.shell{width:min(100% - 32px,1080px);margin-inline:auto}
.site-header{background:#040033;box-shadow:0 5px 20px #0d20431d}
.site-header-inner{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.site-header img{display:block;width:154px;max-width:100%;height:auto}
.top-link{color:#fff;text-decoration:none;font-weight:650}
main{padding:28px 0 70px}
.breadcrumbs{font-size:.88rem;color:var(--muted);margin-bottom:25px}
.breadcrumbs a{color:#244b86}
.hero{display:grid;grid-template-columns:1.55fr .9fr;align-items:center;gap:30px;margin-bottom:28px}
.eyebrow{display:inline-block;color:var(--blue);background:#e3edff;border:1px solid #c7dbff;border-radius:100px;padding:5px 12px;font-size:.8rem;font-weight:800;letter-spacing:.05em;text-transform:uppercase}
h1{font-size:clamp(2rem,4.4vw,3.35rem);letter-spacing:-.04em;line-height:1.13;margin:16px 0;color:var(--navy)}
h2{font-size:clamp(1.35rem,2.4vw,1.7rem);letter-spacing:-.02em;line-height:1.28;margin:0 0 12px;color:var(--navy)}
h3{font-size:1.07rem;margin:22px 0 8px;color:var(--navy)}
p{margin:0 0 14px}
.lede{font-size:1.1rem;color:#475872;max-width:65ch}
.hero-card{background:linear-gradient(145deg,#0b265d,#004aac);color:#fff;border-radius:24px;padding:26px;box-shadow:0 18px 36px #09275b25}
.hero-card span{display:block;color:#d1e3ff;font-size:.83rem;font-weight:750;letter-spacing:.07em;text-transform:uppercase}
.hero-card strong{font-size:2.4rem;line-height:1.2;display:block;margin:10px 0}
.hero-card p{color:#e3edff;font-size:.9rem;margin:0}
.panel{background:var(--surface);border:1px solid var(--line);border-radius:20px;padding:clamp(18px,3vw,30px);margin:20px 0;box-shadow:0 4px 18px #21396008}
.panel-intro{color:var(--muted)}
.tool-grid{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);gap:22px;align-items:start}
form{min-width:0}
fieldset{min-width:0;margin:0 0 20px;padding:0;border:0}
legend{font-weight:800;margin:0 0 11px;color:var(--navy)}
.method-select{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:9px}
.method-select label{display:flex;align-items:flex-start;gap:8px;padding:12px;background:#f4f7ff;border:1px solid var(--line);border-radius:12px;cursor:pointer;font-weight:700;font-size:.91rem}
.method-select label:has(input:checked){border-color:#0a5cc2;background:#eaf2ff;box-shadow:inset 0 0 0 1px #0a5cc2}
.method-select input{accent-color:var(--blue);margin-top:4px}
.method-note{font-size:.9rem;color:var(--muted);margin:10px 0 0}
.fields{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}
.field{min-width:0}
.field label{display:block;font-size:.91rem;font-weight:730;margin:0 0 6px}
.field input{display:block;width:100%;border:1px solid #b6c8dd;border-radius:10px;background:#fff;color:var(--navy);padding:12px 12px;min-height:47px;appearance:textfield}
.field input::-webkit-inner-spin-button{opacity:.5}
.help{display:block;color:#61718b;font-size:.79rem;line-height:1.45;margin:5px 0 0}
.subheading{font-size:1rem;font-weight:800;color:var(--navy);padding:14px 0 8px;margin:0}
.button-row{display:flex;flex-wrap:wrap;gap:9px;margin-top:22px}
.btn{border-radius:10px;border:1px solid transparent;padding:12px 17px;font-weight:780;cursor:pointer;min-height:46px}
.btn-primary{background:var(--blue);color:white;box-shadow:0 4px 12px #004aac2c}
.btn-primary:hover{background:#00377f}
.btn-secondary{background:#eef3fd;border-color:#cbdaf1;color:var(--navy)}
.btn-secondary:hover{background:#e2ebfa}
.btn:disabled{cursor:not-allowed;opacity:.47;box-shadow:none}
.example-row{display:flex;gap:8px;flex-wrap:wrap;margin:15px 0}
.link-button{border:0;padding:4px 0;background:none;text-decoration:underline;color:var(--blue);font-weight:720;cursor:pointer}
.examples-label{color:var(--muted);font-size:.86rem;margin-right:6px}
.error{background:#fff1f0;color:#8f201e;padding:12px 15px;border:1px solid #e8aea9;border-radius:12px;font-weight:650}
.summary-wrap{min-width:0;position:sticky;top:20px}
.empty-results{background:linear-gradient(170deg,#eff5ff,#f8fbff);border:1px dashed #a8c1e6;border-radius:17px;padding:28px;color:#435879;text-align:center}
.empty-results strong{display:block;color:var(--navy);font-size:1.2rem;margin-bottom:8px}
.results{outline:none}
.result-banner{background:linear-gradient(155deg,#071e48,#064da6);color:#fff;padding:24px;border-radius:18px 18px 0 0}
.result-label{text-transform:uppercase;letter-spacing:.07em;font-size:.72rem;color:#d9e8ff;font-weight:800}
.result-big{font-size:clamp(1.8rem,3.5vw,2.6rem);font-weight:850;line-height:1.18;margin:9px 0}
.result-banner p{color:#d9e8ff;font-size:.84rem;margin:0}
.result-body{border:1px solid var(--line);border-top:0;border-radius:0 0 18px 18px;padding:19px;background:#fbfcff}
.kpis{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.kpi{background:#fff;border:1px solid #e1e8f3;border-radius:12px;padding:12px}
.kpi-label{display:block;color:#687a92;font-size:.78rem}
.kpi-value{display:block;color:var(--navy);font-size:1.25rem;font-weight:850;line-height:1.25;overflow-wrap:anywhere}
.breakdown{margin:16px 0 0;padding:0;list-style:none}
.breakdown li{display:flex;justify-content:space-between;gap:13px;border-bottom:1px solid #e5eaf2;padding:8px 0;font-size:.9rem}
.breakdown li span:last-child{font-weight:750;text-align:right}
.formula{color:#4f617b;background:#f0f5fc;padding:12px 14px;border-radius:10px;font-size:.82rem;overflow-wrap:anywhere;margin:12px 0}
.note{background:#e9f8f3;border-left:4px solid var(--green);color:#194d43;padding:12px 15px;border-radius:7px;font-size:.88rem}
.cta{background:linear-gradient(110deg,#e6f0ff,#f3f7ff);border-color:#c5d9fa}
.cta .btn{display:inline-flex;text-decoration:none;align-items:center}
.disclosure{font-size:.83rem;color:#4d6080;margin-top:14px}
.faq details{border-top:1px solid #e2e9f3;padding:15px 0}
.faq summary{font-weight:780;cursor:pointer;color:#17305c}
.faq details p{padding:12px 0 0;font-size:.93rem;color:#4c5f78}
.micro{font-size:.84rem;color:#5f7189}
@media(max-width:760px){.hero,.tool-grid{grid-template-columns:1fr}.hero-card{display:none}.summary-wrap{position:static}.site-header-inner{min-height:68px}}
@media(max-width:390px){.shell{width:calc(100% - 24px)}.panel{padding:16px;border-radius:16px}.fields{gap:12px}.method-select{grid-template-columns:1fr}.kpis{grid-template-columns:1fr 1fr}.button-row .btn{flex:1}}
@media(max-width:330px){.fields,.kpis{grid-template-columns:1fr}.top-link{font-size:.8rem}.result-big{font-size:1.7rem}}
@media print{body{background:#fff}.site-header,.breadcrumbs,.hero-card,.examples,.button-row,.cta,.faq,.ent-site-footer,.intro-only,.empty-results{display:none!important}.hero,.tool-grid{display:block}h1{font-size:23pt}.panel{box-shadow:none;border:0;padding:0;margin:12px 0}.summary-wrap{position:static}.result-banner{-webkit-print-color-adjust:exact;print-color-adjust:exact}.results{break-inside:avoid}a{color:#000}}