:root{--navy:#071631;--ink:#152743;--blue:#004aac;--blue2:#1661dc;--bg:#f3f6fc;--line:#d9e4f4;--muted:#566783;--mint:#dff7f0;--white:#fff}
*{box-sizing:border-box}
body{margin:0;font:16px/1.6 system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;background:var(--bg);color:var(--ink)}
a{color:var(--blue)}
a:focus-visible,button:focus-visible,input:focus-visible{outline:3px solid #e69c0a;outline-offset:3px}
.wrapper{width:min(100% - 36px,1100px);margin-inline:auto}
.site-head{background:var(--navy);border-bottom:3px solid #306ce9;padding:15px 0}
.site-head a{display:inline-flex;align-items:center}
.site-head img{width:169px;max-width:100%;height:auto}
main{padding-top:26px;padding-bottom:56px}
.breadcrumb{font-size:.88rem;color:var(--muted);display:flex;gap:9px;flex-wrap:wrap}
.breadcrumb a{font-weight:600}
.hero{padding:24px 0 8px}
.eyebrow{display:inline-block;font-size:.75rem;font-weight:800;letter-spacing:.09em;text-transform:uppercase;color:var(--blue);background:#e4edff;border:1px solid #d1e0ff;padding:6px 13px;border-radius:99px}
h1{font-size:clamp(2rem,4.8vw,3.5rem);line-height:1.12;max-width:920px;letter-spacing:-.045em;margin:16px 0;color:var(--navy)}
h2{font-size:clamp(1.35rem,2vw,1.78rem);line-height:1.2;color:var(--navy);margin:0 0 12px}
h3{font-size:1.07rem;margin:0 0 10px;color:var(--navy)}
.lead{font-size:1.1rem;color:var(--muted);max-width:790px;margin:0 0 18px}
.features{display:flex;gap:9px;flex-wrap:wrap;margin:15px 0}
.features span{border-radius:99px;background:#fff;border:1px solid var(--line);padding:6px 12px;font-size:.82rem;font-weight:700;color:#344d74}
.panel{background:var(--white);border:1px solid var(--line);border-radius:20px;box-shadow:0 8px 32px rgba(13,40,96,.045);margin:18px 0;padding:clamp(18px,3.5vw,32px)}
.panel p{color:#465874}
.helper{font-size:.9rem;color:var(--muted);margin:0 0 14px}
.form-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px 18px}
.field{display:flex;flex-direction:column;min-width:0;gap:6px}
.field label{font-weight:700;font-size:.91rem;line-height:1.3}
.field input{width:100%;min-width:0;padding:12px 14px;border:1px solid #b7c7df;border-radius:10px;background:#fff;font-size:1rem;color:var(--ink)}
.field small{color:var(--muted);font-size:.76rem;line-height:1.4}
fieldset{border:0;margin:0 0 22px;padding:0;min-width:0}
legend{font-weight:800;color:var(--blue);font-size:.91rem;letter-spacing:.015em;padding-bottom:12px}
.form-actions,.result-actions{display:flex;gap:10px;flex-wrap:wrap;align-items:center;margin-top:12px}
.btn{border:0;border-radius:10px;padding:13px 20px;font:inherit;font-weight:750;cursor:pointer;min-height:47px;text-align:center;text-decoration:none;display:inline-flex;align-items:center;justify-content:center}
.btn-primary{background:var(--blue);color:#fff}
.btn-primary:hover{background:#00347e;color:#fff}
.btn-outline{border:1px solid #a7bde0;background:#fff;color:var(--blue)}
.btn-outline:hover{background:#edf3ff}
.btn-muted{background:#e9eef7;color:#233d68}
.btn-muted:hover{background:#dce7f5}
.error{padding:13px 16px;margin:16px 0 0;color:#82212b;background:#fff2f3;border-left:4px solid #c83343;border-radius:8px;font-weight:650}
[hidden]{display:none!important}
.empty{text-align:center;padding:30px 18px;color:#5c7294;border:1px dashed #b6c6df;border-radius:14px;background:#f7faff}
#results{outline:none}
.results-header{display:flex;align-items:baseline;justify-content:space-between;gap:12px;flex-wrap:wrap}
.result-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px;margin:20px 0}
.metric{border:1px solid var(--line);border-radius:14px;padding:16px;background:#f7faff;min-width:0}
.metric.featured{background:var(--navy);border-color:var(--navy);color:#fff}
.metric span{display:block;font-weight:650;font-size:.8rem;line-height:1.3;color:#526585}
.metric.featured span{color:#d5e6ff}
.metric strong{font-size:clamp(1.38rem,2.5vw,2rem);font-variant-numeric:tabular-nums;line-height:1.3;display:block;overflow-wrap:anywhere}
.metric.featured strong{color:#fff}
.data-table{width:100%;border-collapse:collapse;font-variant-numeric:tabular-nums}
.data-table th,.data-table td{padding:11px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
.data-table th{font-weight:750;color:#2b4366}
.data-table td:not(:first-child),.data-table th:not(:first-child){text-align:right}
.scroll-table{overflow-x:auto}
.scroll-table .data-table{min-width:560px}
.callout{border-radius:12px;background:#eaf6ff;border:1px solid #b6d8f5;padding:13px 18px;margin:15px 0}
.callout p{margin:4px 0;color:#244568}
.notes{font-size:.87rem;color:var(--muted)}
.inline-link{font-weight:700}
.formula{background:#f2f6ff;border:1px solid #d5e1f6;border-radius:10px;padding:12px 15px;color:#304769;font-size:.9rem;overflow-wrap:anywhere}
.article-columns{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:26px}
.article-columns p{margin:7px 0 18px}
.faq details{padding:16px 0;border-bottom:1px solid var(--line)}
.faq summary{font-weight:750;cursor:pointer;color:var(--navy)}
.faq p{margin-bottom:0}
.payment{background:linear-gradient(120deg,#071631,#123875);color:#fff}
.payment h2,.payment p{color:#fff}
.payment .btn{background:#fff;color:#063c88}
.payment small{display:block;margin-top:13px;max-width:700px;color:#d5e4f7}
@media(max-width:850px){.form-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.result-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:520px){.wrapper{width:calc(100% - 24px)}.site-head img{width:145px}.hero{padding-top:18px}.form-grid,.article-columns{grid-template-columns:1fr}.panel{border-radius:15px}.result-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:8px}.metric{padding:12px}.metric strong{font-size:1.35rem}.form-actions .btn{flex:1 1 100%}.result-actions .btn{flex:1 1 100%}}
@media print{body{background:#fff}.site-head,.breadcrumb,.hero .features,.form-actions,#calculator,#empty,.result-actions,#payment-cta,.faq,.ent-site-footer{display:none!important}main{padding:0}.panel{box-shadow:none;border:0;padding:8px 0;margin:6px 0}.wrapper{width:100%}#results{display:block!important}.result-grid{grid-template-columns:repeat(4,1fr)}.metric.featured{color:#000;background:#fff;border:1px solid #999}.metric.featured span,.metric.featured strong{color:#000}.data-table{font-size:11px}}