:root{--blue:#004aac;--navy:#0d2044;--sky:#e8f2ff;--text:#182338;--muted:#66748c;--border:#dce4f0;--green:#08745b}
body{color:var(--text);background:linear-gradient(180deg,#edf4ff 0,#f7f9fd 440px)}
.wrapper{width:min(100% - 32px,1120px)}
header{background:#071a43;border-bottom:3px solid #1656b6}
header .wrapper{display:flex;align-items:center;min-height:62px}
header img{display:block;max-width:180px}
main{padding-top:32px}
main>nav{font-size:.87rem;color:#64758b}
main>nav a{text-decoration:none}
main>h1{max-width:780px;color:var(--navy);font-size:clamp(2rem,4.5vw,3.45rem);letter-spacing:-.045em;margin:20px 0 10px}
main>h1+p{color:#506278;font-size:1.09rem;max-width:780px}
.panel{padding:clamp(18px,3vw,34px);box-shadow:0 8px 30px rgba(17,45,96,.035);border:1px solid var(--border);border-radius:20px}
.panel h2{line-height:1.2;letter-spacing:-.025em;font-size:clamp(1.4rem,2.9vw,2rem);margin:9px 0 12px}
.panel h3{margin:1.2rem 0 .6rem;color:var(--navy)}
.muted,.hint{color:var(--muted)}
.hint{font-size:.88rem;margin:12px 0}
.eyebrow{font-size:.73rem;letter-spacing:.12em;font-weight:800;color:var(--blue);text-transform:uppercase}
fieldset{border:0;border-top:1px solid var(--border);padding:20px 0 8px;margin:18px 0 0;min-width:0}
legend{font-weight:750;font-size:1.02rem;color:#17294a;padding:0 9px 0 0}
.step{display:inline-flex;justify-content:center;align-items:center;border-radius:10px;background:var(--sky);color:var(--blue);padding:5px 8px;margin-right:7px;font-size:.8rem}
.field-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px 24px;margin-top:14px}
.field-grid label{display:flex;flex-direction:column;gap:7px;font-size:.93rem;font-weight:650}
.unit{font-size:.79rem;font-weight:400;color:var(--muted)}
input,select{width:100%;background:#fff;color:var(--navy);font:inherit;font-size:1rem;padding:12px 13px;min-height:49px;border:1.5px solid #c8d4e4;border-radius:10px;outline:none}
input:focus,select:focus{border-color:var(--blue);box-shadow:0 0 0 3px #004aac20}
input[aria-invalid="true"]{border-color:#b82034;background:#fff7f8}
input:hover,select:hover{border-color:#879ebc}
details.advanced{padding:16px 18px;margin-top:18px;background:#f6f9ff;border:1px solid #e1eafa;border-radius:13px}
details summary{cursor:pointer;font-weight:700;color:var(--blue)}
details[open] summary{margin-bottom:8px}
.actions{display:flex;gap:10px;flex-wrap:wrap;margin:22px 0 6px}
.actions button{font:inherit;font-weight:750;min-height:46px;transition:background .15s,transform .15s}
.primary{background:var(--blue);color:#fff}
.primary:hover,.primary:focus-visible{background:#003883}
.secondary{background:#eff4fc;color:var(--blue);border:1px solid #c5d8ed}
.secondary:hover{background:#e2edfb}
button:focus-visible,a:focus-visible,summary:focus-visible{outline:3px solid #f3bb43;outline-offset:3px}
.error{padding:13px 16px;color:#8c1827;background:#fff1f3;border:1px solid #efb1b8;border-radius:12px;font-weight:650;margin-top:18px}
[hidden]{display:none!important}
.result-panel{border-color:#bcd2ef;background:linear-gradient(175deg,#fdfefe,#f2f7ff)}
.metric-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin:20px 0 24px}
.metric{background:#fff;border:1px solid #dbe7f7;padding:22px 18px;border-radius:14px;display:flex;flex-direction:column;gap:7px}
.metric span{font-weight:650;color:var(--muted);font-size:.85rem}
.metric strong{font-size:clamp(1.45rem,3vw,2.1rem);line-height:1.15;color:var(--navy);overflow-wrap:anywhere}
.metric small{color:var(--muted)}
.metric.focus{background:var(--navy);color:#fff;border-color:var(--navy)}
.metric.focus strong,.metric.focus span,.metric.focus small{color:#fff}
.two-col{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:26px;margin-top:18px}
.breakdown{margin:0}
.breakdown div{display:flex;justify-content:space-between;align-items:baseline;gap:14px;padding:12px 0;border-bottom:1px solid #dbe5f1}
.breakdown dt{font-size:.88rem;color:#53627d}
.breakdown dd{margin:0;font-weight:750;white-space:nowrap;color:#193255;font-variant-numeric:tabular-nums}
.breakdown div.total{border-top:2px solid #8fb7e6;margin-top:14px}
.breakdown .total dt,.breakdown .total dd{font-weight:800;color:var(--blue);font-size:1.09rem}
.cost-card{background:#fff;border:1px solid #dbe6f3;padding:16px 18px;border-radius:16px}
.cost-card h3{margin-top:4px}
.referral{background:#0c254c;color:#e3eeff;border-radius:16px;padding:24px;margin-top:28px}
.referral h3{color:#fff;margin-top:0;font-size:1.35rem}
.referral p{max-width:700px}
.ref-link{display:inline-flex;align-items:center;gap:8px;background:#fff;color:#004aac;padding:12px 18px;border-radius:10px;font-weight:800;text-decoration:none}
.ref-link:hover{background:#dceaff}
.referral .disclosure{font-size:.8rem;color:#b5cae2;margin:14px 0 0}
.editorial{line-height:1.75}
.editorial ol{padding-left:24px}
.editorial li{margin:10px 0}
.editorial h3{font-size:1.08rem}
.editorial a{font-weight:600}
.example{border-left:4px solid #4b87dc;background:#f3f8ff;border-radius:0 10px 10px 0;padding:18px;margin:22px 0}
@media(max-width:690px){.field-grid,.two-col{grid-template-columns:1fr}.metric-grid{grid-template-columns:1fr}.metric{padding:17px}main>h1{letter-spacing:-.025em}}
@media(max-width:390px){.wrapper{width:calc(100% - 20px)}.panel{padding:16px;border-radius:14px}.actions button{width:100%}main>h1{font-size:1.9rem}.breakdown div{align-items:flex-start}.breakdown dd{white-space:normal;text-align:right}}
@media print{@page{margin:14mm}body{background:#fff!important;color:#000!important}header,footer,main>nav,#app,.editorial,.no-print,.referral,main>h1+p,main>p:last-child{display:none!important}main{padding:0}.panel{border:0;box-shadow:none;padding:0;margin:0}.result-panel,.metric,.cost-card{background:#fff!important;color:#000!important}.metric.focus *{color:#000!important}.metric-grid{grid-template-columns:repeat(3,1fr)}.two-col{grid-template-columns:repeat(2,1fr)}}