:root{--ink:#15223b;--blue:#004aac;--navy:#061b44;--sea:#0a7083;--bg:#f4f7fc;--border:#dbe5f2;--muted:#526279;--light:#edf5ff;--shadow:0 14px 48px rgba(7,34,75,.075)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--bg);color:var(--ink);font:16px/1.62 system-ui,-apple-system,"Segoe UI",sans-serif}
a{color:var(--blue)}a:hover{text-decoration-thickness:2px}a:focus-visible,button:focus-visible,input:focus-visible{outline:3px solid #f7a82c;outline-offset:3px}
.wrapper{width:min(100% - 32px,1120px);margin-inline:auto}.site-head{background:var(--navy);padding:16px 0;border-bottom:3px solid #2879c5}.site-head a{display:inline-flex;align-items:center}.site-head img{display:block;width:184px;height:auto}
main{padding:24px 0 70px}.crumbs{font-size:.91rem;color:var(--muted);margin:0 0 22px}.crumbs a{font-weight:650}
.hero{padding:26px 0 18px}.eyebrow{display:inline-flex;align-items:center;gap:7px;font-weight:750;font-size:.78rem;letter-spacing:.09em;text-transform:uppercase;color:#14568c;background:#e5f0ff;padding:7px 13px;border-radius:99px}
h1{font-size:clamp(2rem,5vw,3.1rem);line-height:1.12;color:var(--navy);letter-spacing:-.045em;margin:15px 0 15px;max-width:950px}h2{font-size:clamp(1.3rem,2.7vw,1.72rem);line-height:1.25;letter-spacing:-.025em;color:var(--navy);margin:0 0 12px}h3{font-size:1.09rem;margin:22px 0 8px;color:var(--navy)}
.lead{color:#485b74;font-size:1.08rem;max-width:830px;margin:0}.hero-tags{display:flex;flex-wrap:wrap;gap:8px;margin-top:16px}.hero-tags span{font-size:.82rem;color:#325a83;background:white;border:1px solid #d5e3f4;border-radius:8px;padding:5px 10px}
.panel{background:white;border:1px solid var(--border);border-radius:20px;box-shadow:var(--shadow);padding:clamp(18px,3.3vw,34px);margin:20px 0}.panel-desc{color:var(--muted);margin:0 0 20px}.fieldsets{display:grid;grid-template-columns:1fr 1fr;gap:16px}fieldset{min-width:0;border:1px solid var(--border);border-radius:14px;padding:17px;margin:0}legend{font-size:1.03rem;color:var(--navy);font-weight:800;padding:0 6px}.fields{display:grid;grid-template-columns:1fr 1fr;gap:13px}.field{min-width:0}.field label{display:block;font-weight:700;font-size:.89rem;margin-bottom:5px}.field small{display:block;font-size:.77rem;color:var(--muted);line-height:1.38;margin-top:4px}.field input{display:block;width:100%;min-width:0;min-height:46px;border:1px solid #b9cbe0;border-radius:10px;background:#fdfefe;color:var(--ink);font:inherit;font-variant-numeric:tabular-nums;padding:9px 11px}.field input:hover{border-color:#7b9dbf}.field input:focus{border-color:var(--blue)}.field.full{grid-column:1/-1}
.actions{display:flex;flex-wrap:wrap;gap:11px;margin-top:24px}.btn{border-radius:10px;min-height:46px;padding:11px 18px;border:1px solid transparent;font:inherit;font-weight:750;cursor:pointer;transition:background .15s,transform .15s}.btn.primary{background:var(--blue);color:white}.btn.primary:hover{background:#003883}.btn.secondary{background:#f0f5fd;border-color:#c9d8ec;color:var(--blue)}.btn.secondary:hover{background:#e4effd}.btn:disabled{opacity:.5;cursor:not-allowed}.error{background:#fff1ed;border:1px solid #e9a095;color:#9e2c21;padding:13px 16px;border-radius:10px;font-weight:700;margin-top:18px}.subtle{color:var(--muted);font-size:.91rem}
.results{border-color:#bfd4ed}.results-head{display:flex;align-items:center;justify-content:space-between;gap:12px;flex-wrap:wrap}.results-head h2{margin:0}.pill{border-radius:30px;padding:6px 11px;color:#0d6047;background:#e6f8ee;font-size:.82rem;font-weight:800}.kpis{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin:22px 0}.kpi{background:#f2f7ff;padding:17px;border-radius:14px;border:1px solid #d5e5fc}.kpi.important{background:#0a3268;color:#fff;border-color:#0a3268}.kpi span{font-size:.82rem;display:block;font-weight:650}.kpi strong{font-size:clamp(1.45rem,2.65vw,2.15rem);letter-spacing:-.04em;display:block;margin:4px 0;line-height:1.2;overflow-wrap:anywhere;font-variant-numeric:tabular-nums}.kpi small{font-size:.76rem;color:#526782}.kpi.important small{color:#c9e0ff}
.metric-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}.metric{background:#fbfdff;border:1px solid var(--border);border-radius:12px;padding:12px}.metric .label{color:var(--muted);font-size:.84rem;display:block}.metric strong{color:var(--navy);font-size:1.16rem;font-variant-numeric:tabular-nums;overflow-wrap:anywhere}
.table-wrap{width:100%;overflow-x:auto}table{width:100%;border-collapse:collapse;margin:9px 0;font-variant-numeric:tabular-nums}th,td{padding:12px 10px;border-bottom:1px solid var(--border);text-align:left;vertical-align:top}th{font-weight:680;color:#34506d;width:55%}td{font-weight:750;color:var(--navy)}
.notice{border-left:4px solid #d49a32;padding:9px 14px;background:#fff7e6;margin:12px 0;border-radius:0 8px 8px 0}.notes{list-style:none;padding:0;margin:15px 0}.notes li{margin:6px 0}.notes li::before{content:"• ";font-weight:bold;color:#0b7083}
.steps{padding-left:23px}.steps li{margin:9px 0}.formula{font-family:ui-monospace,SFMono-Regular,Consolas,monospace;background:#f4f7fd;border:1px solid var(--border);border-radius:10px;padding:14px;overflow-x:auto;line-height:1.8;font-size:.89rem}.faq details{border-top:1px solid var(--border);padding:13px 0}.faq summary{cursor:pointer;color:var(--navy);font-weight:750}.faq p{margin-bottom:0;color:#435773}.referido{background:linear-gradient(120deg,#e6f1ff,#f7fcff);border-color:#bcd7f9}.referido .btn{display:inline-flex;text-decoration:none;align-items:center;justify-content:center;margin-top:8px}.related{display:flex;flex-wrap:wrap;gap:9px}.related a{display:inline-block;background:#edf5ff;padding:8px 12px;border-radius:9px;text-decoration:none;font-weight:650;font-size:.9rem}
[hidden]{display:none!important}
@media(max-width:800px){.fieldsets{grid-template-columns:1fr}.kpis{grid-template-columns:1fr 1fr}.kpis .kpi.important{grid-column:1/-1}}
@media(max-width:520px){.wrapper{width:calc(100% - 24px)}.hero{padding-top:8px}.panel{border-radius:15px;padding:17px}.fields{grid-template-columns:1fr 1fr;gap:11px}.field label{font-size:.84rem}.kpis{grid-template-columns:1fr}.kpis .kpi.important{grid-column:auto}.metric-grid{grid-template-columns:1fr}.actions .btn{width:100%}th,td{padding:10px 7px;font-size:.87rem}}
@media(max-width:350px){.fields{grid-template-columns:1fr}}
@media print{body{background:white}.site-head,.crumbs,.no-print,.referido,.related-panel,.ent-site-footer{display:none!important}main{padding:0}.panel{break-inside:avoid;box-shadow:none;border-radius:0}.fieldsets{display:none}.results[hidden]{display:none!important}.kpi.important{color:#000;background:#fff;border:1px solid #ccc}.kpi.important small{color:#000}a{color:#000}}