:root{--blue:#004aac;--navy:#111b3b;--mid:#4b5f80;--bg:#f4f7fc;--line:#dce5f3;--accent:#0c77d8;--ok:#08765c}
*,*::before,*::after{box-sizing:border-box}
body{margin:0;color:var(--navy);font:16px/1.55 system-ui,-apple-system,Segoe UI,sans-serif;background:var(--bg)}
[hidden]{display:none!important}
.sr-only{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.wrapper{width:min(1180px,calc(100% - 32px));margin-inline:auto}
header{background:#080d31;padding:13px 0}header img{width:178px;height:auto;display:block}
main{padding:24px 0 58px}a{color:var(--blue)}a:hover{text-decoration-thickness:2px}
button,input,select{font:inherit}
button{cursor:pointer}
button:disabled{cursor:not-allowed;opacity:.48}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible{outline:3px solid #eead4e;outline-offset:2px}
.crumbs{display:flex;gap:10px;align-items:center;flex-wrap:wrap;font-size:.89rem;color:var(--mid);margin-bottom:20px}
.hero{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:24px;align-items:center;padding:clamp(20px,4vw,42px);border-radius:22px;background:linear-gradient(115deg,#092b69 0%,#004aac 68%,#087bd5 100%);color:white;overflow:hidden}
.eyebrow{font-size:.76rem;letter-spacing:.12em;font-weight:800;text-transform:uppercase;color:#b8e7ff}
h1{font-size:clamp(1.85rem,4vw,3.1rem);line-height:1.12;margin:8px 0 16px;letter-spacing:-.04em}
h2{font-size:clamp(1.22rem,2vw,1.6rem);line-height:1.22;margin:0 0 8px}
h3{font-size:1.06rem;margin:20px 0 10px}
.hero p{max-width:690px;margin:0;color:#e3edff}.hero .tiny{font-size:.83rem;margin-top:16px}
.hero-art{min-height:180px;display:grid;align-content:center;text-align:center;border-radius:18px;border:1px solid #ffffff55;background:#ffffff16;box-shadow:0 18px 45px #081c4c35}
.hero-art .big{font-size:4rem;line-height:1.1}.hero-art strong{font-size:1.1rem}.hero-art span{font-size:.82rem;color:#d7eeff}
.panel{background:#fff;border:1px solid var(--line);border-radius:18px;padding:clamp(16px,2.3vw,27px);box-shadow:0 4px 20px #12345a08}
.workspace{display:grid;grid-template-columns:minmax(0,1.3fr) minmax(300px,.84fr);gap:20px;align-items:start;margin-top:22px}
#quote-form{display:grid;gap:18px;min-width:0}.section-heading{display:flex;align-items:center;gap:13px;margin-bottom:20px}
.step{display:grid;place-items:center;min-width:38px;height:38px;border-radius:11px;background:#e6f0ff;color:var(--blue);font-weight:900}
.section-heading p{margin:0;color:var(--mid);font-size:.91rem}
.fields{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}
.field{display:flex;flex-direction:column;min-width:0;gap:5px}
.field span{font-size:.92rem;font-weight:650}
.field small{line-height:1.3;color:var(--mid);font-size:.76rem}
.field input,.field select{display:block;width:100%;min-height:44px;border:1px solid #b6c7df;border-radius:9px;padding:9px 11px;background:white;color:var(--navy)}
.field input:focus,.field select:focus{border-color:var(--blue)}
.form-actions,.action-row{display:flex;flex-wrap:wrap;gap:9px;align-items:center}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:44px;border-radius:10px;padding:10px 17px;border:1px solid transparent;font-weight:750;text-decoration:none}
.btn.primary{color:white;background:var(--blue)}.btn.secondary{color:var(--blue);background:#edf4ff;border-color:#b9d2f5}.btn.quiet{color:var(--navy);background:white;border-color:#c7d4e6}
#form-hint{font-size:.85rem;color:var(--mid);margin:0}
.error{background:#fff0ee;border:1px solid #efada4;color:#8d2020;border-radius:10px;padding:14px;outline:0}
.results{position:sticky;top:14px}
.empty-state{border:1px dashed #b7c8e1;border-radius:12px;padding:35px 15px;text-align:center;background:#f9fbff}
.empty-state .symbol{font-size:2.4rem}.empty-state p{color:var(--mid)}
.metric{background:#eaf4ff;border-radius:13px;padding:20px;margin:16px 0}
.metric span{font-size:.84rem;color:var(--mid)}.metric strong{display:block;font-size:clamp(1.65rem,3vw,2.35rem);letter-spacing:-.04em;color:var(--blue)}
.metrics{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}
.metrics div{border:1px solid var(--line);border-radius:10px;padding:11px;min-width:0}
.metrics span{display:block;font-size:.78rem;color:var(--mid)}.metrics strong{display:block;font-size:1.06rem;overflow-wrap:anywhere}
.results-note,.body-note{font-size:.87rem;color:var(--mid);margin:14px 0}
.table-scroll{overflow-x:auto}table{border-collapse:collapse;width:100%;font-size:.88rem}th,td{padding:10px 4px;border-bottom:1px solid var(--line)}th{text-align:left;font-weight:500}td{text-align:right;font-variant-numeric:tabular-nums;white-space:nowrap}tr:last-child{font-weight:800;color:var(--blue)}
.detail{margin-top:15px;border-top:1px solid var(--line);padding-top:14px}.detail p{margin:4px 0;font-size:.89rem}
.negative{color:#a12a23}
.guide-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:22px}
.guide-grid p,.guide-grid li{color:#344361}.guide-grid ul{padding-left:20px}
code{overflow-wrap:anywhere}
.referral{display:flex;align-items:center;justify-content:space-between;gap:22px;margin:22px 0;padding:clamp(18px,3vw,28px);border-radius:18px;border:1px solid #c4d9ef;background:linear-gradient(120deg,#eff7ff,#ffffff)}
.referral>div{max-width:770px}.referral h2{color:var(--blue)}.referral p{margin:8px 0}.disclosure{color:var(--mid);font-size:.85rem}
.footer-link{margin:24px 0}
@media(max-width:950px){.workspace{grid-template-columns:1fr}.results{position:static}.hero{grid-template-columns:1fr 220px}}
@media(max-width:650px){.wrapper{width:calc(100% - 24px)}.hero{grid-template-columns:1fr}.hero-art{display:none}.fields,.guide-grid{grid-template-columns:1fr}.referral{display:block}.referral .btn{margin-top:12px;width:100%}.panel{border-radius:14px}.metrics{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:360px){.metrics{grid-template-columns:1fr}.form-actions .btn,.action-row .btn{width:100%}}
@media print{header,.crumbs,#quote-form,.hero,.guide-grid,.referral,.footer-link,footer,.action-row{display:none!important}body{background:white;color:#000}.workspace{display:block}.results{position:static}.panel{border:0;box-shadow:none;padding:0}.wrapper{width:100%;max-width:none}main{padding:0}#empty{display:none!important}#results{display:block!important}h2{color:#000}.metric{border:1px solid #999;background:white}.metric strong{color:#000}table tr{break-inside:avoid}}