:root{--navy:#0a2141;--accent:#105bb4;--aqua:#00a7ab;--bg:#f3f6fb;--line:#dae4f0;--muted:#52677e}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--bg);color:var(--navy);font:16px/1.6 system-ui,-apple-system,"Segoe UI",sans-serif}
.wrapper{width:min(1140px,calc(100% - 32px));margin:auto}.skip{position:absolute;left:-999px;top:12px}.skip:focus{left:12px;z-index:3;background:white;color:#004aac;padding:10px}
header.top{background:#060630;color:white;border-bottom:3px solid #0d77c4}.top .wrapper{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:76px}.logo{width:170px;max-width:100%;height:auto}.links{display:flex;flex-wrap:wrap;gap:8px 22px}.links a{color:white;text-decoration:none;font-size:14px;font-weight:650}
a{color:#07529d}a:hover{text-decoration-thickness:2px}a:focus-visible,button:focus-visible,input:focus-visible{outline:3px solid #ed9d2b;outline-offset:3px}
main{padding:26px 0 60px}.crumbs{font-size:14px;color:var(--muted);margin-bottom:30px}.crumbs a{color:#264f87}.hero{padding:28px 0 22px;max-width:860px}.eyebrow{font-weight:750;text-transform:uppercase;letter-spacing:.09em;font-size:12px;color:#176e8a}.hero h1{font-size:clamp(30px,5vw,53px);line-height:1.1;letter-spacing:-.03em;margin:12px 0 19px}.hero h1 span{color:var(--accent)}.hero p{font-size:clamp(16px,2vw,19px);color:#405671;max-width:760px;margin:0 0 17px}.chips{display:flex;gap:9px;flex-wrap:wrap}.chip{font-size:12px;padding:6px 11px;background:#e5f0ff;color:#15518b;border-radius:99px;font-weight:650}
.layout{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(0,.75fr);align-items:start;gap:20px;margin-top:12px}.card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:clamp(18px,3vw,30px);box-shadow:0 10px 30px rgba(17,40,76,.055);margin-bottom:20px}.card h2{font-size:clamp(21px,2.4vw,29px);line-height:1.2;margin:7px 0 14px;letter-spacing:-.02em}.card h3{font-size:18px;margin:18px 0 8px}.card p,.card li{color:#405671}.muted{color:var(--muted);font-size:14px}
fieldset{border:0;border-top:1px solid var(--line);padding:19px 0 8px;margin:13px 0 0;min-width:0}legend{font-size:16px;font-weight:750;padding:0 12px 0 0}.fields{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}.field{display:block;font-weight:650;color:#243d5d;font-size:14px}.field input{display:block;width:100%;min-width:0;font:inherit;font-weight:500;margin-top:6px;padding:11px 12px;border:1px solid #a6b6c9;border-radius:10px;color:#09284d;background:white}.field small{display:block;margin-top:5px;font-weight:400;color:#586e84;font-size:12px;line-height:1.45}.full{grid-column:1/-1}
.actions{display:flex;gap:10px;flex-wrap:wrap;margin:19px 0 0}.btn{font:inherit;cursor:pointer;border-radius:11px;padding:11px 18px;min-height:46px;font-weight:700;border:1px solid #b4c6dc;background:#eef4fc;color:#1e4f8f}.btn.primary{background:#0d55a8;border-color:#0d55a8;color:white;flex:1 1 190px}.btn:hover{filter:brightness(.97)}.error{border:1px solid #e9a2a1;border-radius:10px;background:#fff2f1;color:#8e2624!important;padding:12px 15px;font-weight:650}.notice{border-left:4px solid #2b91ac;background:#eef8fc;border-radius:8px;padding:13px 15px;font-size:14px;color:#31536b;margin-top:18px}.note-orange{border-left-color:#d89e37;background:#fff7e8}
.side h2{font-size:23px}.side ol{padding-left:21px}.side li{margin-bottom:10px}.formula{font:650 15px/1.5 ui-monospace,SFMono-Regular,Consolas,monospace;background:#eef3fa;padding:12px;border-radius:9px;overflow-wrap:anywhere}
#results{scroll-margin-top:18px}.kpis{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-bottom:21px}.kpi{background:#f2f7fe;border:1px solid #dae7f8;padding:14px;border-radius:12px}.kpi strong{display:block;font-size:clamp(20px,2.6vw,27px);color:#0b4f9f;line-height:1.25;margin-top:7px;overflow-wrap:anywhere}.kpi small{font-weight:650;color:#536980}.metrics{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px 24px;margin:20px 0}.metric{padding-bottom:10px;border-bottom:1px solid #e5ecf5}.metric dt{font-size:13px;color:#5f7288}.metric dd{font-size:16px;font-weight:700;color:#203b5f;margin:4px 0 0;overflow-wrap:anywhere}.tablewrap{overflow-x:auto;max-width:100%;border:1px solid #dce6f1;border-radius:12px}table{width:100%;border-collapse:collapse;min-width:570px;font-size:14px}th,td{text-align:right;padding:11px 13px;border-bottom:1px solid #e4eaf2;font-variant-numeric:tabular-nums}thead th{text-align:right;background:#eef4fc;color:#204a78;font-size:12px}th:first-child,td:first-child{text-align:left}tbody tr:nth-child(even){background:#f8fafc}tbody tr:last-child>*{border-bottom:0}.cta{border:1px solid #b4d5e9;background:linear-gradient(125deg,#eaf5ff,#f8fcff)}.cta .btn{display:inline-flex;text-decoration:none;align-items:center;justify-content:center}.article{max-width:900px}.article h2{margin-top:0}.article ul{padding-left:22px}.faq details{border-top:1px solid var(--line);padding:13px 0}.faq summary{cursor:pointer;color:#123c6c;font-weight:750}.faq details p{margin-bottom:0}.faq details:last-child{border-bottom:1px solid var(--line)}.footlink{text-align:center;margin:26px 0}
[hidden]{display:none!important}
@media(max-width:900px){.layout{grid-template-columns:1fr}.side{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:15px}.side .card{margin:0}}
@media(max-width:650px){.wrapper{width:calc(100% - 24px)}.top .wrapper{padding:12px 0;display:block}.top .links{margin-top:10px}.hero{padding-top:14px}.fields{grid-template-columns:1fr}.side{display:block}.side .card{margin-bottom:16px}.kpis{grid-template-columns:repeat(2,minmax(0,1fr))}.metrics{grid-template-columns:1fr}.actions .btn{flex:1 1 150px}.card{padding:17px;border-radius:14px}}
@media print{header.top,.crumbs,.skip,.actions,.cta,.footlink,.no-print,.side,#yeso-form,.hero .chips,.faq,footer{display:none!important}body{background:white;color:#111}main{padding:0}.wrapper{width:100%}.layout{display:block}.card{box-shadow:none;border:0;padding:10px 0}#results[hidden]{display:none}#results:not([hidden]){display:block}.tablewrap{overflow:visible}table{min-width:0;font-size:11px}.kpi{break-inside:avoid}}