:root{--navy:#0a1734;--brand:#004aac;--accent:#00a2c7;--cloud:#f3f7fd;--ink:#17253f;--muted:#53647d;--line:#dce5f1;--success:#06664f;--shadow:0 14px 36px rgba(20,42,85,.075)}
html{scroll-behavior:smooth}
body{background:linear-gradient(180deg,#edf5ff 0%,#f7f9fd 390px,#f8fafe 100%);color:var(--ink)}
.skip{position:absolute;top:-60px;left:10px;padding:10px;background:#fff;z-index:999}
.skip:focus{top:8px}
header{background:#080f34;border-bottom:1px solid rgba(255,255,255,.15)}
header .wrapper{display:flex;align-items:center;justify-content:space-between;gap:16px}
header .header-link{color:#dce9ff;font-size:.9rem}
header .header-link:hover{color:#fff}
main.wrapper{padding-top:30px}
.breadcrumb{font-size:.875rem;color:var(--muted);display:flex;gap:9px;flex-wrap:wrap;align-items:center}
.breadcrumb a{font-weight:600}
.hero{padding:32px 0 16px}
.eyebrow{text-transform:uppercase;font-weight:800;letter-spacing:.14em;font-size:.74rem;color:#006ea9}
.hero h1{font-size:clamp(2rem,4.8vw,3.5rem);max-width:780px;letter-spacing:-.035em;margin:12px 0 16px;line-height:1.1;color:var(--navy)}
.hero h1 span{color:var(--brand)}
.lead{max-width:780px;font-size:1.075rem;line-height:1.7;color:#394b65}
.chips{display:flex;flex-wrap:wrap;gap:9px;margin:20px 0 8px}
.chip{border:1px solid #cbdcf4;color:#204774;background:#fff;border-radius:999px;padding:5px 12px;font-size:.83rem;font-weight:700}
.panel{border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow);margin:22px 0;padding:clamp(16px,3.6vw,32px)}
.section-head{display:flex;align-items:flex-start;justify-content:space-between;gap:18px;flex-wrap:wrap}
.section-head h2{margin:0;font-size:1.5rem;line-height:1.25;color:var(--navy)}
.section-head p{margin:7px 0 0;color:var(--muted);max-width:670px}
.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:17px 22px}
.form-group{margin:20px 0 0;padding:0;border:0;min-inline-size:0}
.form-group legend{font-weight:800;font-size:1.13rem;color:var(--navy);padding:0 0 10px}
.form-group .group-hint{font-size:.89rem;color:var(--muted);margin:0 0 15px}
.field{display:flex;flex-direction:column;gap:6px;min-width:0}
.field label{font-size:.93rem;font-weight:680}
.field small{color:var(--muted);font-size:.8rem;line-height:1.45}
.field .input-wrap{position:relative;display:flex;align-items:center}
.field input{width:100%;max-width:none;min-width:0;height:46px;border:1px solid #bdcee3;background:#fff;border-radius:10px;font-size:1rem;color:var(--navy);padding:10px 13px;transition:border-color .15s,box-shadow .15s}
.field input:focus-visible{outline:3px solid #b5dbff;outline-offset:1px;border-color:var(--brand)}
.field input[aria-invalid=true]{border-color:#c12343;box-shadow:0 0 0 2px #ffedf0}
.field input::-webkit-inner-spin-button{opacity:.5}
.helper{font-size:.82rem;color:var(--muted);margin-top:10px}
.actions{display:flex;gap:12px;flex-wrap:wrap;align-items:center;margin-top:26px}
.actions button,.cta-link{min-height:44px;font-size:.94rem;font-weight:730;cursor:pointer;display:inline-flex;justify-content:center;align-items:center;text-decoration:none}
button.primary{background:#004aac;color:#fff;box-shadow:0 6px 20px rgba(0,74,172,.18)}
button.primary:hover{background:#063b83}
button.secondary{background:#eef4ff;color:#064580;border:1px solid #cbdcf4}
button.secondary:hover{background:#e2edfd}
button:disabled{opacity:.5;cursor:not-allowed;box-shadow:none}
button:focus-visible,.cta-link:focus-visible,a:focus-visible{outline:3px solid #20aac6;outline-offset:3px}
.status-line{margin:14px 0 0;background:#f2f7fd;border:1px solid #dce8f7;padding:10px 13px;border-radius:9px;color:#334c6a;font-size:.91rem}
.status-line:focus{outline:none}
.results{margin-top:24px;border-top:1px solid var(--line);padding-top:22px}
.results[hidden]{display:none}
.results-title{font-size:1.5rem;margin:4px 0 15px;color:var(--navy)}
.kpi-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:13px}
.kpi{border:1px solid #dbe7f5;background:#f6f9ff;border-radius:14px;padding:18px;min-width:0}
.kpi.highlight{background:linear-gradient(125deg,#073c8e,#005abf);color:#fff;border:0}
.kpi-label{font-size:.85rem;font-weight:700;opacity:.88;margin:0}
.kpi .value{display:block;font-weight:850;letter-spacing:-.03em;font-size:clamp(1.35rem,3vw,2rem);margin:7px 0;overflow-wrap:anywhere}
.kpi .sub{font-size:.78rem;opacity:.8;margin:0}
.break-even{border-left:4px solid #008aa7;border-radius:8px;background:#eaf8fc;padding:12px 16px;margin-top:16px}
.break-even p{margin:5px 0}
.detail-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;margin-top:24px}
.detail-card{min-width:0;border:1px solid var(--line);border-radius:14px;padding:17px}
.detail-card h3{margin:0 0 12px;color:var(--navy);font-size:1.1rem}
.metric-row{display:flex;justify-content:space-between;gap:16px;margin:8px 0}
.metric-row span:last-child{font-weight:750;text-align:right}
.table-scroller{max-width:100%;overflow-x:auto;-webkit-overflow-scrolling:touch}
.visually-hidden{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
table{width:100%;border-collapse:collapse;font-size:.88rem;min-width:480px}
th,td{text-align:right;padding:9px 12px;border-bottom:1px solid #e1e9f4;font-variant-numeric:tabular-nums}
thead{background:#edf4ff}
th:first-child,td:first-child{text-align:left}
tbody tr:nth-child(2n){background:#f9fbff}
.results-note{color:var(--muted);font-size:.86rem}
.prose h2{color:var(--navy);font-size:1.38rem;line-height:1.28;margin-top:12px}
.prose h3{color:var(--navy);font-size:1.04rem}
.prose p,.prose li{color:#40516a;line-height:1.7}
.prose code{white-space:normal;background:#edf4ff;padding:2px 5px;border-radius:4px;font-size:.89em}
.formula{background:#f4f8fe;border-left:4px solid var(--brand);padding:12px 15px;border-radius:5px;font-weight:680}
.faq details{padding:13px 0;border-bottom:1px solid var(--line)}
.faq summary{cursor:pointer;font-weight:750;color:#193960}
.faq details p{margin:9px 0}
.cta{background:linear-gradient(120deg,#eef7ff,#e9f5fa)}
.cta-link{background:#004aac;color:white;border-radius:11px;padding:11px 20px;width:max-content;max-width:100%}
.cta-link:hover{background:#063b83;color:#fff}
.cta small{color:var(--muted);display:block;margin-top:12px}
.link-back{margin-top:18px;font-weight:700}
@media(max-width:700px){.form-grid,.detail-grid{grid-template-columns:1fr}.kpi-grid{gap:10px}.hero{padding-top:18px}header .header-link{display:none}}
@media(max-width:400px){.kpi-grid{grid-template-columns:1fr}.panel{border-radius:14px;padding:16px}.hero h1{font-size:2rem}.actions button{width:100%}main.wrapper{width:calc(100% - 22px)}}
@media print{body{background:#fff;color:#111}header,.skip,.breadcrumb,.hero .chips,#cost-form,.actions,.cta,.link-back,footer,.faq{display:none!important}.panel{box-shadow:none;border:1px solid #ccc;margin:5mm 0;padding:6mm}.results[hidden]{display:none}.results{display:block}.kpi.highlight{background:#eee;color:#000}.prose{break-inside:avoid}table{font-size:10pt}}