:root{color-scheme:light;--ink:#172238;--muted:#57657b;--brand:#004aac;--brandDark:#07377f;--cyan:#edf9ff;--green:#0c755c;--orange:#a44b0a;--bg:#f3f6fb;--border:#d9e2ef;--shadow:0 12px 38px rgba(19,43,85,.065)}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font:16px/1.58 system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:var(--bg)}
.wrapper{width:min(1120px,calc(100% - 36px));margin:auto}
header{background:#040d31;border-bottom:3px solid #2372db;padding:15px 0}
header img{width:166px;height:auto;max-width:100%}
a{color:var(--brand)}a:hover{text-decoration-thickness:2px}
a:focus-visible,button:focus-visible,input:focus-visible{outline:3px solid #72abff;outline-offset:3px}
main{padding:24px 0 54px}
.crumb{color:#66758e;font-size:.9rem}.crumb a{color:#35598c}
.hero{padding:22px 0 5px}
.eyebrow{display:inline-flex;gap:7px;align-items:center;background:#e7eefc;color:#124892;border-radius:999px;padding:5px 12px;font-weight:750;font-size:.81rem;letter-spacing:.025em}
h1{font-size:clamp(2rem,4vw,3.25rem);letter-spacing:-.035em;line-height:1.12;color:#102d65;margin:14px 0 15px;max-width:830px}
.hero p{font-size:1.1rem;color:#485974;max-width:785px;margin:0 0 22px}
h2{font-size:clamp(1.4rem,2.4vw,1.85rem);letter-spacing:-.022em;line-height:1.2;margin:0 0 10px;color:#172f58}
h3{font-size:1.12rem;line-height:1.3;color:#153c77;margin:0 0 10px}
p{margin:.5em 0 1.1em}
.panel{background:#fff;border:1px solid var(--border);border-radius:20px;box-shadow:var(--shadow);padding:clamp(16px,3vw,32px);margin:19px 0}
.section-head{display:flex;align-items:flex-start;justify-content:space-between;gap:12px;flex-wrap:wrap;margin-bottom:18px}
.section-head p{color:var(--muted);margin:4px 0 0}
.step{font-size:.72rem;text-transform:uppercase;letter-spacing:.1em;font-weight:800;color:#177ac0;margin-bottom:7px}
.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}
.field{display:flex;flex-direction:column;gap:5px;min-width:0}
.field label{font-size:.95rem;font-weight:730;color:#243754}
.field input{font:inherit;min-width:0;width:100%;border:1.5px solid #c6d4e5;border-radius:10px;padding:12px 13px;background:#fff;color:#142b49;transition:border-color .15s,box-shadow .15s}
.field input:focus{border-color:#2477cf;box-shadow:0 0 0 3px rgba(37,119,207,.14);outline:none}
.field input[aria-invalid="true"]{border-color:#c43131}
.field small{color:#667389;line-height:1.35;font-size:.82rem}
.field-wide{grid-column:1/-1}
.group{border-top:1px solid #e9eef5;margin-top:24px;padding-top:22px}
.group h3{margin-bottom:15px}
.actions{display:flex;gap:10px;flex-wrap:wrap;align-items:center;margin-top:24px}
button,.btn{display:inline-flex;justify-content:center;align-items:center;gap:8px;background:var(--brand);border:1px solid var(--brand);border-radius:11px;padding:12px 18px;min-height:46px;font-family:inherit;font-size:.96rem;font-weight:700;line-height:1.2;color:white;cursor:pointer;text-decoration:none}
button:hover,.btn:hover{background:var(--brandDark);color:white}
button.secondary{background:#fff;color:#144a92;border-color:#bfcedf}
button.secondary:hover{background:#eaf2fc}
button:disabled{opacity:.45;cursor:not-allowed}
.inline-note{font-size:.84rem;color:var(--muted)}
#form-alert{padding:12px 15px;border-radius:11px;margin-top:16px;white-space:normal}
#form-alert:empty{display:none}
#form-alert.error{background:#fff0ee;border:1px solid #eeb5ad;color:#842f25}
#form-alert.success{background:#eaf8f0;border:1px solid #b5dfc9;color:#0a6243}
[hidden]{display:none!important}
.result-wrap{border-top:2px solid #e4ebf4;margin-top:30px;padding-top:29px}
.result-wrap .section-head{margin-bottom:16px}
.metric-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin:18px 0}
.metric{border:1px solid #d8e4f1;background:#f7faff;border-radius:14px;padding:17px;min-width:0}
.metric .metric-title{font-size:.78rem;color:#52657d;font-weight:700;line-height:1.35}
.metric .metric-value{font-size:clamp(1.35rem,2.7vw,1.8rem);line-height:1.15;letter-spacing:-.035em;font-weight:800;color:#143a78;margin:8px 0;overflow-wrap:anywhere}
.metric .metric-help{font-size:.75rem;color:#57677b;line-height:1.4}
.featured{background:linear-gradient(135deg,#062e73,#0d5dbb);border-color:#0d5dbb;color:white}
.featured .metric-title,.featured .metric-value,.featured .metric-help{color:white}
.insight{border-radius:12px;background:#f0f7ff;border-left:4px solid #2f83d6;padding:13px 16px;margin:16px 0;color:#1d416a}
.insight.warning{background:#fff8ed;border-left-color:#d27b1e;color:#714717}
.insight.good{background:#eff9f5;border-left-color:#23926f;color:#145b49}
.insight p{margin:0 0 6px}.insight p:last-child{margin-bottom:0}
.table-scroll{overflow:auto;border:1px solid #dce5f1;border-radius:12px;margin-top:12px}
table{border-collapse:collapse;width:100%;font-size:.87rem;white-space:nowrap}
thead{background:#e9f1fc;color:#173c75}
th,td{text-align:right;padding:12px 13px;border-bottom:1px solid #e7edf6;font-variant-numeric:tabular-nums}
td:first-child,th:first-child{text-align:left;font-weight:700}
tbody tr:nth-child(even){background:#f8fbff}
tbody tr:last-child td{border-bottom:0}
.prose{max-width:920px}.prose p,.prose li{color:#4b5d74}
.prose ol{padding-left:21px}.prose li{padding-left:5px;margin-bottom:10px}
.faq details{border-bottom:1px solid #e3ebf4;padding:15px 2px}
.faq details:last-child{border-bottom:0}
.faq summary{cursor:pointer;color:#153d78;font-weight:730}
.faq details p{color:#52627b;margin:10px 0}
.note-strip{display:block;line-height:1.55;padding:14px 17px;border-radius:12px;background:#ecf5ff;color:#2b507c;margin-top:16px;font-size:.91rem}
.cta{background:linear-gradient(135deg,#06295e,#0e4f9d);color:#fff;border:0}
.cta h2,.cta p{color:#fff}.cta p{max-width:800px}
.cta .btn{background:#fff;color:#0d4488;border-color:white;font-weight:800}
.cta .btn:hover{background:#e8f2ff;color:#0d4488}
.cta small{display:block;color:#d5e5fa;max-width:790px;margin-top:14px}
.end-link{text-align:center;margin:26px 0}
@media(max-width:720px){.form-grid{grid-template-columns:1fr}.metric-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.wrapper{width:calc(100% - 26px)}}
@media(max-width:420px){.panel{border-radius:15px;padding:17px}.metric-grid{grid-template-columns:1fr}.actions button{width:100%}h1{font-size:1.95rem}.hero p{font-size:1rem}.note-strip{font-size:.84rem}}
@media print{body{background:white}header,.crumb,.hero .eyebrow,.actions,.cta,.faq,.end-link,.note-strip{display:none!important}.panel{box-shadow:none;border:0;padding:10px 0;margin:10px 0}main{padding:0}.wrapper{width:100%;max-width:100%}.form-grid{display:none}.result-wrap{border:0;padding:0;margin:0}.metric-grid{grid-template-columns:repeat(3,1fr)}.metric{break-inside:avoid}.table-scroll{overflow:visible}table{white-space:normal;font-size:8pt}td,th{padding:4px}}