:root{--primary:#004aac;--navy:#0b1740;--ink:#1b2742;--muted:#5b6882;--line:#dbe3ef;--pale:#f3f7fe;--good:#087466;--error:#a42131}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:#f5f7fb;color:var(--ink);font:16px/1.58 system-ui,-apple-system,"Segoe UI",sans-serif}
a{color:var(--primary);text-underline-offset:3px}
a:focus-visible,button:focus-visible,input:focus-visible{outline:3px solid #42a5f5;outline-offset:3px}
.container{width:min(1120px,calc(100% - 32px));margin:auto}
.site-header{background:#040d33;padding:15px 0;box-shadow:0 3px 22px #101c381c}
.site-header img{width:178px;max-width:100%;height:auto;display:block}
main{padding-bottom:64px}
.crumb{display:flex;flex-wrap:wrap;gap:8px;align-items:center;font-size:.88rem;margin:22px 0 10px;color:var(--muted)}
.crumb span{color:#8792a6}
.hero{padding:35px 0 18px;display:grid;grid-template-columns:minmax(0,1.5fr) minmax(230px,.65fr);gap:22px;align-items:center}
.eyebrow{font-size:.77rem;display:inline-flex;background:#e3edff;color:#004098;border:1px solid #c9dbff;border-radius:50px;padding:5px 12px;font-weight:750;letter-spacing:.045em;text-transform:uppercase}
h1{color:var(--navy);font-size:clamp(1.9rem,4.8vw,3.12rem);line-height:1.11;letter-spacing:-.035em;margin:15px 0}
.hero p{font-size:1.08rem;color:#43516b;max-width:760px;margin:12px 0}
.hero-facts{background:linear-gradient(145deg,#004aac,#112765);color:#fff;border-radius:20px;padding:25px;box-shadow:0 15px 35px #004aac2d}
.hero-facts strong{display:block;font-size:1.25rem;margin-bottom:10px}
.hero-facts p{color:#e5edff;font-size:.94rem}
.hero-facts span{display:inline-block;background:#ffffff1c;border-radius:24px;padding:7px 10px;font-size:.85rem}
.section{background:#fff;border:1px solid var(--line);border-radius:20px;padding:clamp(18px,3vw,32px);margin:22px 0;box-shadow:0 8px 24px #0b174006}
.section h2{margin:0 0 8px;font-size:clamp(1.32rem,2.5vw,1.8rem);color:var(--navy);line-height:1.28}
.section h3{margin:0 0 10px;color:var(--navy);font-size:1.1rem}
.intro{color:var(--muted);margin:0 0 22px}
.form-group-heading{font-size:.87rem;font-weight:800;letter-spacing:.05em;text-transform:uppercase;color:#004aac;margin:24px 0 14px;padding-bottom:10px;border-bottom:1px solid var(--line)}
.form-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.field{min-width:0}
.field label{display:block;font-weight:680;font-size:.92rem;margin-bottom:7px}
.field input{width:100%;min-width:0;background:#fff;border:1px solid #bfcbdc;border-radius:10px;padding:12px 13px;color:var(--ink);font:inherit;line-height:1.3}
.field input:hover{border-color:#648ac4}
.field .hint{display:block;color:var(--muted);font-size:.79rem;margin-top:6px;line-height:1.35}
.actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:24px}
.btn{font:inherit;font-weight:700;padding:12px 17px;border-radius:10px;border:1px solid var(--primary);cursor:pointer;min-height:48px;transition:background .18s,transform .18s}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:var(--primary);color:#fff}
.btn-primary:hover{background:#073b83}
.btn-secondary{background:#eff5ff;color:var(--primary)}
.btn-secondary:hover{background:#e0edff}
.btn-ghost{background:#fff;color:var(--navy);border-color:#becadc}
.btn-ghost:hover{background:#f2f5fa}
.btn:disabled{opacity:.55;cursor:not-allowed;transform:none}
.notice{margin-top:15px;font-size:.91rem;color:var(--muted)}
.error{color:var(--error);background:#fff0f1;padding:12px 15px;border:1px solid #efb7c0;border-radius:10px;font-weight:650}
.status{font-size:.9rem;color:var(--muted);margin:12px 0 0}
.result-title{display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px;align-items:center}
.metrics{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin:22px 0}
.metric{background:var(--pale);border:1px solid #d8e5f8;border-radius:14px;padding:18px;min-width:0}
.metric-feature{background:linear-gradient(135deg,#004aac,#113c88);color:white}
.metric label{display:block;color:var(--muted);font-weight:650;font-size:.86rem;line-height:1.3}
.metric-feature label{color:#d8e7ff}
.metric strong{display:block;font-size:clamp(1.4rem,2.5vw,1.85rem);letter-spacing:-.03em;margin:6px 0 2px;overflow-wrap:anywhere}
.metric small{color:var(--muted);display:block;line-height:1.4}
.metric-feature small{color:#e4eeff}
.inline-banner{border-left:4px solid var(--good);background:#effaf7;padding:14px 17px;border-radius:0 10px 10px 0;line-height:1.55;margin:16px 0}
.inline-banner.warn{border-color:#c77b00;background:#fffaeb}
.progress-track{background:#e7edfa;height:14px;overflow:hidden;border-radius:99px;margin:12px 0 6px}
.progress-bar{height:100%;width:0;background:linear-gradient(90deg,#0062b9,#34a3b9);border-radius:inherit;transition:width .2s}
.progress-bar.high{background:#b15813}
.two-cols{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}
.detail-box{background:#fbfcff;border:1px solid var(--line);padding:19px;border-radius:14px}
.detail-box dl{display:grid;grid-template-columns:1fr auto;gap:11px 10px;margin:12px 0 0}
.detail-box dt{color:#596782}
.detail-box dd{margin:0;text-align:right;font-weight:750}
.table-wrap{max-width:100%;overflow-x:auto}
table{width:100%;border-collapse:collapse;min-width:550px;font-size:.92rem}
th,td{padding:13px 11px;text-align:right;border-bottom:1px solid var(--line);font-variant-numeric:tabular-nums}
th:first-child,td:first-child{text-align:left}
thead th{background:#edf3ff;color:#183867}
tbody tr:last-child td{font-weight:760}
.note{color:var(--muted);font-size:.88rem;line-height:1.6}
.faq details{border-bottom:1px solid var(--line);padding:15px 0}
.faq summary{cursor:pointer;font-weight:700;color:var(--navy)}
.faq details p{margin-bottom:0;color:#53627a}
.cta{background:linear-gradient(122deg,#081b43,#004aac);color:#fff;border:0}
.cta h2,.cta p{color:#fff}
.cta a{display:inline-block;border-radius:10px;padding:12px 18px;background:#fff;color:#003f9a;font-weight:800;text-decoration:none}
.cta a:hover{background:#eaf2ff}
.cta .note{color:#dce9ff;margin-top:14px}
.related{display:flex;gap:10px;flex-wrap:wrap}
.related a{display:inline-flex;background:#f1f5fd;padding:9px 12px;border-radius:10px;text-decoration:none;font-weight:650}
[hidden]{display:none!important}
@media(max-width:900px){.hero{grid-template-columns:1fr}.hero-facts{max-width:650px}.form-grid,.metrics{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:620px){.container{width:calc(100% - 24px)}.hero{padding-top:23px;gap:10px}.hero-facts{padding:19px}.form-grid,.metrics,.two-cols{grid-template-columns:1fr}.section{border-radius:15px}.result-title{display:block}.result-title .btn{margin-top:10px}.actions .btn{width:100%}.metric strong{font-size:1.75rem}.crumb{font-size:.82rem}}
@media print{.site-header,.actions,.cta,.related,.crumb,.btn,.faq{display:none!important}body{background:white}main{padding:0}.section{box-shadow:none;break-inside:avoid}#results{display:block!important}}