:root{--navy:#101d3d;--ink:#1f2c47;--muted:#61728b;--blue:#004aac;--orange:#f5a64b;--bg:#f6f8fc;--line:#dfe8f4;--green:#0c795a}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;color:var(--ink);background:var(--bg);font:16px/1.56 system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}
a{color:var(--blue);text-underline-offset:3px}
a:hover{text-decoration-thickness:2px}
button,input{font:inherit}
button{cursor:pointer}
button:disabled{cursor:not-allowed;opacity:.55}
:focus-visible{outline:3px solid var(--orange);outline-offset:3px}
.wrapper{width:min(100% - 40px,1190px);margin-inline:auto}
header{background:#040033;padding:17px 0}
header img{display:block;width:min(190px,75vw);height:auto}
main{padding-bottom:70px}
.crumbs{display:flex;flex-wrap:wrap;gap:12px;align-items:center;margin:23px 0 10px;font-size:.9rem;color:var(--muted)}
.hero{position:relative;overflow:hidden;border-radius:24px;margin:18px 0 26px;padding:clamp(25px,5vw,56px);background:linear-gradient(115deg,#10245b 0%,#004aac 80%);color:white}
.hero:after{content:"";position:absolute;width:290px;height:290px;right:-110px;top:-110px;border:50px solid #ffffff12;border-radius:100%;pointer-events:none}
.eyebrow{display:inline-block;margin-bottom:15px;color:#ffdfb0;font-size:.83rem;letter-spacing:.07em;font-weight:800;text-transform:uppercase}
h1,h2,h3{line-height:1.2;letter-spacing:-.02em}
h1{font-size:clamp(2rem,4.8vw,3.6rem);max-width:780px;margin:0 0 18px}
h2{font-size:clamp(1.35rem,2.6vw,1.9rem);margin:0 0 11px;color:var(--navy)}
h3{font-size:1.06rem;margin:26px 0 12px;color:var(--navy)}
.hero p{font-size:clamp(1rem,1.7vw,1.16rem);max-width:770px;margin:0;color:#e5edff}
.hero-facts{display:flex;flex-wrap:wrap;gap:10px;margin-top:25px}
.hero-facts span{display:block;background:#ffffff1c;border:1px solid #ffffff36;border-radius:999px;padding:7px 12px;font-size:.85rem;font-weight:650}
.layout{display:grid;grid-template-columns:minmax(0,1.17fr) minmax(0,.83fr);gap:22px;align-items:start}
.column{min-width:0}
.panel{background:white;border:1px solid var(--line);border-radius:19px;padding:clamp(19px,3vw,31px);box-shadow:0 9px 32px #10245b08;margin-bottom:22px}
.section-header{margin-bottom:20px}
.section-header p,.fieldset-hint{margin:0;color:var(--muted);font-size:.93rem}
.step-tag{display:block;color:var(--blue);font-size:.77rem;font-weight:850;letter-spacing:.11em;margin-bottom:10px}
.fieldset{border:0;padding:0;margin:0 0 26px;min-width:0}
.fieldset legend{padding:0;margin-bottom:8px;font-size:1.05rem;font-weight:800;color:var(--navy)}
.fieldset-hint{margin-bottom:17px}
.field-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:15px}
.field{min-width:0;display:flex;flex-direction:column;gap:6px}
.field label{font-weight:730;font-size:.87rem;line-height:1.4;color:var(--ink)}
.field input{display:block;width:100%;min-width:0;min-height:47px;padding:10px 12px;border:1px solid #bfcee2;border-radius:10px;background:#fbfcff;color:var(--navy);transition:border-color .15s,box-shadow .15s}
.field input:hover{border-color:var(--blue)}
.field input:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px #004aac1d;background:#fff}
.field small{color:var(--muted);font-size:.76rem;line-height:1.45}
.actions{display:flex;flex-wrap:wrap;gap:10px;margin-top:23px}
.actions button,.cta-link{display:inline-flex;justify-content:center;align-items:center;min-height:43px;padding:10px 16px;border-radius:10px;border:1px solid transparent;font-weight:770;text-decoration:none;font-size:.9rem}
.primary{background:var(--blue);color:#fff}
.primary:hover,.cta-link:hover{background:#003781;color:#fff}
.secondary{background:#eaf1fb;color:var(--blue);border-color:#d3e1f7!important}
.secondary:hover{background:#d9e7fb}
.ghost{background:#fff;color:var(--navy);border-color:#d8e1ee!important}
.ghost:hover{background:#f2f6fb}
.error{background:#fff1f1;border:1px solid #efb8b8;border-radius:10px;padding:12px 14px;color:#a01b1b;font-size:.92rem}
.privacy,.note{color:var(--muted);font-size:.85rem;line-height:1.6}
.privacy{margin:20px 0 0}
.status{color:var(--green)!important;font-weight:720}
.result-card{position:sticky;top:12px}
.metrics{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:11px;margin-bottom:22px}
.metric{background:#f3f7fd;border:1px solid #e0eaf7;border-radius:13px;padding:15px 12px;min-width:0}
.metric:nth-child(4),.metric:nth-child(6){background:#eaf4fe}
.metric span{display:block;font-size:.78rem;color:#506480;font-weight:700;line-height:1.35}
.metric strong{display:block;font-size:clamp(1.15rem,2vw,1.45rem);margin-top:8px;color:var(--navy);line-height:1.25;overflow-wrap:anywhere;font-variant-numeric:tabular-nums}
.detail-list{margin:0;border-top:1px solid var(--line)}
.detail-list div{display:flex;justify-content:space-between;align-items:baseline;gap:14px;padding:9px 0;border-bottom:1px solid var(--line)}
.detail-list dt{font-size:.86rem;color:var(--muted)}
.detail-list dd{margin:0;flex-shrink:0;font-size:.9rem;font-weight:730;color:var(--ink);text-align:right;font-variant-numeric:tabular-nums}
.split-summary{border-radius:13px;background:#f1f6fd;padding:9px 14px;margin-top:25px}
.split-summary div{display:flex;justify-content:space-between;gap:15px;align-items:center;padding:10px 0}
.split-summary div+div{border-top:1px solid #d9e5f4}
.split-summary span{color:var(--muted);font-size:.83rem}
.split-summary strong{white-space:nowrap;color:var(--navy);font-size:.94rem;font-variant-numeric:tabular-nums}
#cash-context{padding:10px 0 0}
.result-actions{margin-top:18px}
.explain{margin-top:0}
.table-scroll{overflow-x:auto}
table{width:100%;border-collapse:collapse;text-align:left;min-width:530px;font-size:.92rem}
caption{text-align:left;margin-bottom:12px;color:var(--muted);font-size:.8rem}
th{background:#eff5fe;color:var(--navy);font-weight:800;white-space:nowrap}
td,th{padding:12px 14px;border-bottom:1px solid var(--line)}
td:not(:first-child){font-variant-numeric:tabular-nums}
tr:hover td{background:#fafcff}
.steps{padding-left:24px;margin:16px 0}
.steps li{padding:4px 0;margin-bottom:6px}
.formula{padding:17px 21px;margin:21px 0;background:#f2f6fc;border-left:4px solid var(--blue);border-radius:9px}
.formula strong{display:block;margin-bottom:9px}
.formula span{display:block;padding:4px 0;font-size:.86rem;overflow-wrap:anywhere}
.faq details{padding:15px 0;border-bottom:1px solid var(--line)}
.faq summary{font-weight:750;cursor:pointer;color:var(--navy)}
.faq details p{color:var(--muted);margin:10px 0 0}
.cta{display:grid;grid-template-columns:1fr 140px;align-items:center;gap:24px;background:linear-gradient(135deg,#eef5ff,#fff6eb);border-color:#d4e5ff}
.cta p{max-width:780px}
.cta-link{background:var(--blue);color:#fff;margin:12px 0 8px}
.disclosure{font-size:.78rem;color:var(--muted)}
.cta-art{background:var(--blue);color:white;border-radius:24px;display:flex;flex-direction:column;align-items:center;justify-content:center;width:135px;height:135px;font-size:3rem;box-shadow:0 12px 25px #004aac26}
.cta-art small{font-size:.71rem;font-weight:750}
.related{margin-top:30px}
.related nav{display:flex;flex-wrap:wrap;gap:11px}
.related a{padding:11px 14px;border-radius:9px;border:1px solid #d3e0f2;background:white;font-size:.87rem;font-weight:700;text-decoration:none}
.related a:hover{border-color:var(--blue)}
[hidden]{display:none!important}
@media(max-width:980px){.layout{grid-template-columns:1fr}.result-card{position:static}}
@media(max-width:600px){.wrapper{width:calc(100% - 24px)}.hero{border-radius:17px;padding:25px 20px}.panel{border-radius:14px;padding:21px 16px}.field-grid{grid-template-columns:1fr}.metrics{grid-template-columns:repeat(2,minmax(0,1fr))}.metric{padding:12px 10px}.metric strong{font-size:1.17rem}.actions button{flex:1}.cta{grid-template-columns:1fr}.cta-art{display:none}.detail-list div{align-items:flex-start}.detail-list dd{min-width:86px;overflow-wrap:anywhere}.split-summary strong{white-space:normal;text-align:right}}
@media(max-width:340px){.wrapper{width:calc(100% - 16px)}.metrics{grid-template-columns:1fr}.hero-facts span{width:100%}}
@media print{header,.crumbs,.hero-facts,.actions,.related,.cta,.faq,.fieldset,.privacy,footer{display:none!important}body{background:white;color:#111}main{width:100%;padding:0}.hero{background:white;color:#111;padding:10px 0;margin:0}.hero p{color:#333}.layout{display:block}.column:first-child{display:none}.panel{box-shadow:none;border:1px solid #ddd;padding:12px;margin-bottom:12px}.result-card{position:static}.metrics{grid-template-columns:repeat(3,1fr)}.table-scroll{overflow:visible}table{min-width:0;font-size:10px}td,th{padding:5px}h1{font-size:22px}h2{font-size:17px}h3{font-size:13px}}