:root{--blue:#0756b7;--blue-dark:#073875;--ink:#16233d;--muted:#53657c;--bg:#f2f6fc;--line:#dbe5f1;--white:#fff;--teal:#0a7b70;--danger:#a52430}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font:16px/1.55 system-ui,-apple-system,Segoe UI,sans-serif}
a{color:var(--blue);text-underline-offset:3px}
a:hover{text-decoration-thickness:2px}
.wrapper{width:min(1160px,calc(100% - 32px));margin:0 auto}
.site-header{background:#081d42;color:white;border-bottom:3px solid #39a4eb}
.site-header .wrapper{display:flex;align-items:center;justify-content:space-between;gap:14px;padding:13px 0}
.site-header img{width:182px;max-width:100%;height:auto;display:block}
.site-header a{color:#e2f2ff}
.site-header .nav-link{font-size:.91rem;text-decoration:none}
main{padding:18px 0 55px}
.breadcrumb{font-size:.9rem;color:var(--muted);margin:7px 0 19px}
.eyebrow{text-transform:uppercase;letter-spacing:.12em;color:var(--teal);font-size:.78rem;font-weight:800;margin:0 0 9px}
.hero{padding:28px 0 13px;max-width:890px}
h1{font-size:clamp(2rem,4vw,3.2rem);letter-spacing:-.04em;line-height:1.12;color:#0c3567;margin:0 0 16px}
.lead{font-size:1.1rem;color:#425470;margin:0;max-width:820px}
.feature-line{display:flex;gap:9px;flex-wrap:wrap;margin:20px 0 7px}
.feature-line span{background:#e6f2fc;color:#14507e;border-radius:999px;font-size:.82rem;padding:6px 12px;font-weight:700}
.work-grid{display:grid;grid-template-columns:minmax(300px,430px) minmax(0,1fr);gap:21px;align-items:start;margin:22px 0}
.panel{background:var(--white);border:1px solid var(--line);box-shadow:0 10px 30px rgba(16,48,90,.045);border-radius:17px;padding:clamp(17px,2.5vw,28px);min-width:0}
.panel h2{margin:0 0 7px;color:#153960;font-size:1.34rem;line-height:1.25}
.panel-intro{color:var(--muted);margin:0 0 19px;font-size:.94rem}
.field-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px 13px}
.field{min-width:0}
.field.full{grid-column:1/-1}
label{display:block;font-size:.87rem;font-weight:740;margin:0 0 5px}
.field-hint{font-size:.76rem;color:var(--muted);margin:5px 0 0}
input{width:100%;min-width:0;border:1px solid #bbcce0;background:#fff;border-radius:9px;padding:12px;font:inherit;color:var(--ink)}
input:focus-visible,button:focus-visible,a:focus-visible{outline:3px solid #64b8ff;outline-offset:2px}
input[aria-invalid=true]{border-color:var(--danger);background:#fff8f8}
.button-row{display:flex;flex-wrap:wrap;gap:9px;margin:21px 0 0}
button,.button-link{border:1px solid transparent;border-radius:9px;padding:12px 16px;font:inherit;font-weight:720;cursor:pointer;text-decoration:none;display:inline-flex;align-items:center;justify-content:center;gap:8px;line-height:1.3}
.primary{background:var(--blue);color:white}
.primary:hover{background:var(--blue-dark)}
.secondary{background:#edf4fe;color:#184b86;border-color:#cadcf3}
.secondary:hover{background:#dfefff}
.ghost{background:transparent;color:var(--blue);border-color:#b9d0ed}
button:disabled{opacity:.52;cursor:not-allowed}
.notice{background:#fff0f0;color:#8d1b28;border:1px solid #f0c8cb;border-radius:10px;padding:12px;margin:16px 0 0;font-weight:650}
.placeholder{border:1px dashed #b5cbdd;background:#f7fbff;border-radius:15px;padding:35px 22px;text-align:center}
.placeholder-icon{font-size:2.3rem;line-height:1;margin:0 0 11px}
.placeholder h2{color:#16385f;margin:4px 0 8px;font-size:1.25rem}
.placeholder p{color:var(--muted);margin:0}
.summary-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:17px 0 11px}
.metric{background:#f4f8fe;border:1px solid #dfebfa;border-radius:12px;padding:14px;min-width:0}
.metric-label{font-size:.77rem;color:#49617e;display:block;font-weight:730}
.metric strong{display:block;margin-top:3px;font-size:clamp(1.09rem,2.5vw,1.5rem);letter-spacing:-.035em;color:#0d3973;overflow-wrap:anywhere}
.metric.emphasis{background:#e8f8f5;border-color:#bce9df}
.metric.emphasis strong{color:#066958}
.subnote{font-size:.88rem;color:var(--muted);margin:12px 0}
hr{border:0;border-top:1px solid var(--line);margin:21px 0}
.section-heading{display:flex;align-items:flex-start;justify-content:space-between;gap:14px;flex-wrap:wrap}
.section-heading p{color:var(--muted);font-size:.9rem;margin:4px 0 12px}
.table-scroll{overflow-x:auto;overscroll-behavior-x:contain;border:1px solid var(--line);border-radius:11px;margin:12px 0 0}
table{border-collapse:collapse;width:100%;min-width:580px;font-variant-numeric:tabular-nums;font-size:.89rem}
thead{background:#eef5fd}
th,td{padding:10px 12px;text-align:right;border-bottom:1px solid #e8eff7;white-space:nowrap}
th:first-child,td:first-child{text-align:left}
tbody tr:nth-child(even){background:#fbfdff}
tbody tr:last-child th,tbody tr:last-child td{border-bottom:0}
.chart{margin:13px 0 18px;max-height:390px;overflow:auto}
.chart-line{display:grid;grid-template-columns:48px minmax(0,1fr) 112px;align-items:center;gap:9px;margin:10px 0;font-size:.78rem}
.chart-line strong{text-align:right;font-size:.8rem;font-weight:700;white-space:nowrap}
.bar-track{height:11px;background:#eaf0f8;border-radius:999px;overflow:hidden}
.bar-fill{height:100%;background:linear-gradient(90deg,#1672cf,#1eb7a0);border-radius:999px}
.stack{display:grid;gap:18px}
.steps{display:grid;gap:13px;padding-left:23px;color:#34465e}
.steps li::marker{color:var(--blue);font-weight:800}
.info-note{background:#eff8fb;border-left:4px solid #168eb8;border-radius:6px;padding:13px 16px;color:#31536b}
.faq details{padding:15px 0;border-bottom:1px solid var(--line)}
.faq summary{font-weight:740;color:#183e69;cursor:pointer}
.faq p{color:#485c75;font-size:.94rem}
.cta{background:linear-gradient(126deg,#092f64,#0b5e89);color:#f4fbff;border:0}
.cta h2{color:#fff}
.cta p{color:#e2f0ff}
.cta .button-link{background:#fff;color:#174780;margin:6px 0}
.cta small{display:block;line-height:1.6;color:#d2e8f8;margin-top:15px}
.fine-print{font-size:.84rem;color:var(--muted)}
[hidden]{display:none!important}
@media(max-width:850px){.work-grid{grid-template-columns:1fr}.results-panel{min-height:300px}}
@media(max-width:480px){.wrapper{width:calc(100% - 24px)}.site-header img{width:140px}.site-header .nav-link{font-size:.8rem}.panel{padding:16px}.field-grid{grid-template-columns:1fr}.field.full{grid-column:auto}.button-row button{flex:1 1 120px}.summary-grid{grid-template-columns:1fr 1fr}.metric{padding:10px}.chart-line{grid-template-columns:40px minmax(0,1fr) 95px;gap:5px}.chart-line strong{font-size:.72rem}}
@media(max-width:340px){.summary-grid{grid-template-columns:1fr}}
@media print{.site-header,.breadcrumb,.hero,.entry-panel,.cta,.action-buttons,.faq,.site-footer,.steps-panel,.feature-line,.toggle-row{display:none!important}body{background:white}.work-grid{display:block}.panel{box-shadow:none;border:0;padding:0}.table-scroll{overflow:visible}.results-panel{display:block!important}main{padding:0}.metric{border-color:#bbb}.chart{max-height:none}#monthly-panel{display:block!important}table{min-width:0;font-size:10px}th,td{padding:5px 6px}}

.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}

.placeholder-icon{display:grid;place-items:center;width:48px;height:48px;border-radius:14px;background:#e0f1ff;color:#1368b8;font-size:1.9rem;font-weight:900;margin:0 auto 12px}