:root{--navy:#112849;--deep:#061e43;--ocean:#005ac2;--sky:#16a5df;--aqua:#ddf4fd;--ink:#20354f;--muted:#52667e;--line:#dbe8f1;--bg:#f3f8fb;--white:#fff}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font:16px/1.6 system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}
[hidden]{display:none!important}
a{color:var(--ocean)}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible{outline:3px solid #ffbc31;outline-offset:2px}
.wrap{max-width:1190px;margin-inline:auto;padding-inline:22px}
.skip{position:absolute;left:-9999px;top:10px;z-index:9;background:white;padding:10px}
.skip:focus{left:12px}
.topbar{background:var(--deep);border-bottom:3px solid #138acc}
.topbar .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:77px}
.topbar img{max-width:185px;height:auto;display:block}
.nav{display:flex;gap:24px;flex-wrap:wrap}
.nav a{color:#e6f5ff;text-decoration:none;font-weight:650;font-size:.92rem}
.nav a:hover{text-decoration:underline}
.crumbs{padding-block:22px 8px;color:var(--muted);font-size:.9rem}
.crumbs a{text-underline-offset:3px}
.hero{padding:20px 0 27px}
.eyebrow{text-transform:uppercase;letter-spacing:.1em;font-size:.76rem;font-weight:800;color:#0678a5}
.hero h1{font-size:clamp(2rem,4.4vw,3.4rem);letter-spacing:-.04em;line-height:1.08;max-width:850px;margin:10px 0 14px;color:var(--deep)}
.hero p{max-width:800px;color:var(--muted);font-size:1.08rem}
.chips{display:flex;flex-wrap:wrap;gap:9px;margin-top:18px}
.chips span{border:1px solid #cae8f4;background:#e9f9fe;border-radius:999px;padding:5px 12px;font-size:.85rem;color:#075b83;font-weight:650}
.workgrid{display:grid;grid-template-columns:minmax(0,1.02fr) minmax(0,1fr);gap:20px;align-items:start}
.panel{background:var(--white);padding:clamp(20px,2.7vw,30px);border:1px solid var(--line);border-radius:20px;box-shadow:0 12px 28px rgba(10,45,78,.045);margin-bottom:20px;min-width:0}
.panel h2{font-size:clamp(1.27rem,2.5vw,1.55rem);line-height:1.3;margin:8px 0 10px;letter-spacing:-.02em;color:var(--navy)}
.panel h3{color:var(--navy);font-size:1.06rem}
.muted,.help{color:var(--muted)}
.muted{font-size:.94rem}
.fields{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;margin:22px 0}
.fields .span-2{grid-column:1/-1}
.field{display:flex;flex-direction:column;gap:6px;font-size:.94rem;font-weight:700}
.field small{font-size:.79rem;color:var(--muted);line-height:1.35;font-weight:400}
input,select{display:block;width:100%;min-width:0;border:1px solid #b8d0df;border-radius:10px;padding:12px 13px;font:inherit;color:var(--navy);background:#fff}
input::placeholder{color:#8090a4}
.actions{display:flex;flex-wrap:wrap;gap:10px;margin:14px 0}
button,.cta-btn{cursor:pointer;display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:12px 17px;border-radius:11px;border:1px solid transparent;font:700 .96rem/1.35 system-ui,-apple-system,sans-serif;text-align:center;text-decoration:none;min-height:46px}
button.primary,.cta-btn{background:var(--ocean);color:white}
button.primary:hover,.cta-btn:hover{background:#034b9e;color:#fff}
button.secondary{background:#e5f2ff;color:#0052ad;border-color:#c8e5ff}
button.secondary:hover{background:#d3eaff}
button.ghost{color:var(--navy);background:white;border-color:#afc7d9}
button.ghost:hover{background:#f5fafd}
button:disabled{opacity:.48;cursor:not-allowed}
.alert{border-left:4px solid #b91c1c;background:#fff1f1;border-radius:8px;padding:11px 14px;color:#8e1e1e;font-weight:650}
.tip{border-left:4px solid var(--sky);background:#eefaff;padding:12px 14px;font-size:.88rem;border-radius:8px}
.privacy{font-size:.8rem;color:var(--muted);border-top:1px solid var(--line);padding-top:12px}
.empty{text-align:center;background:#f5faff;border:1px dashed #9cc8e6;border-radius:14px;padding:33px 15px;color:var(--muted);display:grid;gap:9px}
.empty strong{color:var(--navy)}
.feature{display:grid;grid-template-columns:1fr auto;gap:12px;align-items:center;border-radius:14px;padding:17px 19px;color:white;background:linear-gradient(125deg,#0057b8,#03a0bc)}
.feature small{display:block;font-size:.82rem;color:#e2faff;font-weight:650}
.feature strong{display:block;font-size:clamp(1.8rem,3.2vw,2.65rem);line-height:1.3;overflow-wrap:anywhere;font-variant-numeric:tabular-nums}
.metric-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;margin:13px 0}
.metric{padding:14px;border:1px solid var(--line);border-radius:12px;background:#f9fcff}
.metric span{display:block;color:var(--muted);font-size:.8rem}
.metric strong{font-size:clamp(1rem,2vw,1.28rem);color:var(--navy);overflow-wrap:anywhere;font-variant-numeric:tabular-nums}
.viz{display:flex;justify-content:space-around;align-items:center;gap:10px;flex-wrap:wrap;background:#f6fbff;border-radius:14px;padding:14px;margin-top:16px}
.viz svg{width:185px;max-width:100%;height:auto}
.viz p{margin:5px 0;color:var(--muted);font-size:.85rem}
.viz strong{color:var(--deep)}
.flag{color:#08749e;font-size:.85rem;font-weight:700}
.contentgrid{display:grid;grid-template-columns:1fr 1fr;gap:20px;align-items:start}
.contentgrid .wide{grid-column:1/-1}
.table-scroller{overflow-x:auto;border:1px solid var(--line);border-radius:12px;max-height:460px;overflow-y:auto}
table{width:100%;border-collapse:collapse;font-size:.92rem;font-variant-numeric:tabular-nums}
th,td{padding:10px 12px;text-align:right;white-space:nowrap;border-bottom:1px solid var(--line)}
th:first-child,td:first-child{text-align:left}
th{position:sticky;top:0;background:#e8f4fb;color:#163c5d;font-size:.83rem;z-index:1}
tbody tr:nth-child(even){background:#f7fbff}
tbody tr:last-child td{border-bottom:0}
.formula{padding:14px 17px;background:#eff8fb;border:1px solid #d4eaf3;border-radius:10px;overflow-wrap:anywhere}
.formula code{font-size:.92rem;color:#165a78}
.faq details{padding:12px 0;border-bottom:1px solid var(--line)}
.faq summary{cursor:pointer;color:var(--navy);font-weight:750}
.faq details p{margin-bottom:0;color:var(--muted)}
.cta-panel{background:linear-gradient(120deg,#072e53,#034d83);color:white}
.cta-panel h2,.cta-panel p{color:white}
.cta-panel .eyebrow{color:#9be7ff}
.cta-panel .disclosure{font-size:.82rem;color:#c5e5f7}
.cta-panel .cta-btn{background:#e8fbff;color:#034d83}
.cta-panel .cta-btn:hover{background:#fff;color:#034d83}
.bottom-link{padding-bottom:30px}
@media(max-width:850px){.workgrid,.contentgrid{grid-template-columns:1fr}.contentgrid .wide{grid-column:auto}.nav{gap:14px}}
@media(max-width:480px){.wrap{padding-inline:14px}.topbar .wrap{min-height:68px;flex-wrap:wrap;gap:6px;padding-block:8px}.nav{width:100%;justify-content:space-between}.topbar img{max-width:145px}.nav{gap:8px}.nav a{font-size:.78rem}.fields{grid-template-columns:1fr}.fields .span-2{grid-column:auto}.actions button{flex:1 1 100%}.panel{padding:17px;border-radius:15px}.hero{padding-top:10px}.feature{grid-template-columns:1fr}.viz{gap:4px}.metric-grid{grid-template-columns:1fr 1fr}.metric{padding:11px}.metric strong{font-size:1rem}}
@media print{body{background:white;color:black;font-size:11pt}.topbar,.crumbs,.hero,.no-print,.cta-panel,.bottom-link,.ent-site-footer{display:none!important}.wrap{max-width:none;padding:0}.workgrid,.contentgrid{display:block}.panel{border:0;box-shadow:none;padding:10px 0;margin:0;break-inside:avoid}.table-scroller{max-height:none;overflow:visible;border:0}table{font-size:9pt}th{position:static}a{text-decoration:none;color:black}.viz{background:white}.contentgrid>.panel:not(.wide){break-inside:auto}}