:root{--navy:#081938;--blue:#004aac;--ink:#12233e;--muted:#51627c;--line:#dae4f1;--mint:#0a765f;--surface:#fff;--bg:#f3f6fb}
body{color:var(--ink);background:var(--bg);line-height:1.55}
.wrapper{width:min(calc(100% - 32px),1180px)}
header{background:linear-gradient(110deg,#071735,#083c88);padding:15px 0}
header .wrapper{display:flex;align-items:center;justify-content:space-between}
header img{display:block;width:170px;max-width:100%;height:auto}
main{padding:24px 0 50px}
.skip-link{position:absolute;left:12px;top:-70px;background:#fff;color:var(--blue);padding:12px;z-index:100}
.skip-link:focus{top:10px}
.breadcrumbs{display:flex;align-items:center;flex-wrap:wrap;gap:10px;font-size:.83rem;color:var(--muted)}
.breadcrumbs a{font-weight:650;text-decoration:none}
.hero{padding:31px 0 10px}
.eyebrow{display:inline-block;font-size:.73rem;letter-spacing:.11em;font-weight:800;color:var(--mint)}
h1{font-size:clamp(2rem,4.5vw,3.1rem);line-height:1.13;letter-spacing:-.04em;color:var(--navy);max-width:950px;margin:15px 0}
.lead{color:var(--muted);font-size:clamp(1rem,1.6vw,1.14rem);max-width:840px}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin:20px 0 8px}
.chips span{font-size:.79rem;font-weight:700;background:#e3efff;border:1px solid #cde0fc;color:#154c92;border-radius:40px;padding:7px 12px}
.workspace{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,1fr);align-items:start;gap:18px}
.panel{min-width:0;background:#fff;border:1px solid var(--line);border-radius:18px;padding:clamp(18px,2.7vw,28px);box-shadow:0 12px 40px rgba(19,42,84,.04);margin:20px 0}
.workspace .panel{margin:12px 0}
.panel-heading{display:flex;align-items:flex-start;gap:13px;margin-bottom:21px}
.panel-heading h2{margin:0;font-size:1.32rem;line-height:1.35;color:var(--navy)}
.panel-heading p{margin:6px 0 0;font-size:.86rem;color:var(--muted)}
.step{flex:none;display:grid;place-items:center;width:36px;height:36px;border-radius:10px;background:#e4eeff;color:var(--blue);font-size:.82rem;font-weight:850}
.step.green{background:#e5f6f0;color:var(--mint)}
fieldset{border:0;padding:0;margin:0 0 23px;min-width:0}
legend{font-size:.86rem;font-weight:800;color:var(--blue);padding:0 0 11px}
.fields{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}
.field{min-width:0}
.field label{font-size:.85rem;font-weight:750;display:block;color:#203451;margin-bottom:6px}
.field label small{font-size:.74rem;font-weight:500;color:var(--muted)}
.field input{display:block;width:100%;height:46px;padding:10px 12px;background:#fafcff;border:1px solid #b7cbe4;border-radius:10px;color:var(--navy);font-size:1rem;font-weight:650;max-width:100%;font-variant-numeric:tabular-nums}
.field input:focus-visible{outline:3px solid #98c4ff;outline-offset:1px;border-color:var(--blue)}
.field>small{display:block;color:var(--muted);font-size:.72rem;margin:6px 0 0;line-height:1.4}
.form-actions,.export-actions{display:flex;gap:9px;flex-wrap:wrap;margin-top:15px}
button,.ref-button{font:inherit;font-size:.86rem;font-weight:800;min-height:44px;border-radius:10px;padding:11px 16px;cursor:pointer;text-align:center;text-decoration:none;display:inline-flex;align-items:center;justify-content:center}
button.primary{background:var(--blue);border:1px solid var(--blue);color:#fff;box-shadow:0 8px 15px rgba(0,74,172,.15)}
button.secondary{background:#e8f1ff;border:1px solid #c5dcfa;color:#164c94}
button.ghost{background:white;border:1px solid #bdcee0;color:#243d5f}
button:hover:not(:disabled),.ref-button:hover{filter:brightness(.94)}
button:disabled{opacity:.45;cursor:not-allowed}
button:focus-visible,a:focus-visible,summary:focus-visible{outline:3px solid #4c9fff;outline-offset:3px}
.error{border:1px solid #f3abab;background:#fff1f1;color:#942528;padding:12px;border-radius:9px;margin-top:12px;font-weight:600}
.empty-state{text-align:center;border:1px dashed #b4cce8;border-radius:13px;background:#f7faff;padding:32px 20px;color:var(--muted)}
.empty-state>span{display:block;color:var(--blue);font-size:3rem;margin-bottom:9px}
.empty-state strong{display:block;font-size:1.04rem;color:var(--navy)}
.empty-state p{font-size:.88rem;margin:8px 0 0}
.hero-result{border-radius:14px;background:linear-gradient(130deg,#0b2853,#005d8f);padding:23px;color:#fff}
.hero-result span{font-size:.88rem;font-weight:700;opacity:.9}
.hero-result strong{display:block;font-size:clamp(1.9rem,3.2vw,2.6rem);line-height:1.3;margin:3px 0 7px;letter-spacing:-.04em}
.hero-result small{display:block;font-size:.76rem;color:#dceeff}
.metric-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;margin:14px 0}
.metric{padding:13px;background:#f4f8fe;border:1px solid #e2ebf7;border-radius:11px;min-width:0}
.metric>span{color:var(--muted);font-size:.74rem;display:block;line-height:1.4;min-height:32px}
.metric strong{display:block;color:var(--navy);font-size:clamp(1rem,1.6vw,1.17rem);line-height:1.35;margin-top:5px;overflow-wrap:anywhere;font-variant-numeric:tabular-nums}
.threshold{background:#eaf8f2;border:1px solid #b8e4d1;border-radius:12px;padding:17px;margin:16px 0}
.threshold span{display:block;font-weight:750;font-size:.79rem;color:#215745}
.threshold strong{display:block;font-size:1.16rem;color:#075c44;margin:6px 0}
.threshold small{color:#35675a;font-size:.74rem;display:block}
#results h3{font-size:1rem;margin:22px 0 12px}
.table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch;border:1px solid var(--line);border-radius:10px}
table{border-collapse:collapse;width:100%;min-width:530px;font-size:.77rem}
caption{text-align:left;font-size:.72rem;color:var(--muted);padding:8px}
th,td{padding:10px;text-align:right;border-bottom:1px solid var(--line);white-space:nowrap;font-variant-numeric:tabular-nums}
th:first-child,td:first-child{text-align:left}
th{background:#f3f7fd;color:#334968;font-weight:800}
tr:last-child td{border-bottom:0}
tr.current-row td{background:#eaf2ff;font-weight:750}
.note{font-size:.73rem;color:var(--muted)}
.content-block h2{font-size:1.5rem;line-height:1.3;color:var(--navy)}
.content-block p{color:#42556d}
.content-block a{font-weight:650}
.formula-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
.formula-grid>div{min-width:0;border:1px solid #e1eaf5;background:#f8fbff;padding:16px;border-radius:12px}
.formula-grid h3{font-size:.92rem;margin:0 0 9px;color:var(--blue)}
.formula-grid p{margin:0;font-size:.8rem}
.formula-grid code{white-space:normal;overflow-wrap:anywhere;color:#1b3d68;font-size:.83rem}
details{border-bottom:1px solid var(--line);padding:13px 0}
details:last-child{border:0}
summary{cursor:pointer;font-weight:750;color:var(--navy)}
details p{margin:10px 0}
.referral{background:linear-gradient(130deg,#0c2250,#123e77);color:#fff;display:flex;align-items:center;justify-content:space-between;gap:22px}
.referral h2{font-size:1.5rem;margin:8px 0;color:#fff}
.referral p{max-width:740px;color:#e5eeff}
.referral .eyebrow{color:#93eed6}
.referral .disclosure{font-size:.73rem;opacity:.86;margin:8px 0}
.ref-button{background:#fff;color:#003d8b;min-width:190px;flex:none}
.more-links{margin:24px 0;color:var(--muted);font-size:.86rem}
.more-links a{font-weight:700}
@media(max-width:1000px){.workspace{grid-template-columns:1fr}.output-panel{order:2}.referral{flex-direction:column;align-items:stretch}.ref-button{align-self:flex-start}}
@media(max-width:600px){.wrapper{width:calc(100% - 24px)}.hero{padding-top:23px}.hero h1{font-size:2rem}.fields,.formula-grid,.metric-grid{grid-template-columns:1fr}.metric>span{min-height:0}.panel{border-radius:14px}.panel-heading{gap:9px}.form-actions button{flex:1 1 120px}.export-actions button{flex:1 1 auto}.ref-button{width:100%}}
@media print{header,.breadcrumbs,.form-actions,.export-actions,.referral,.more-links,footer,.input-panel{display:none!important}body{background:#fff}.wrapper{width:100%}.workspace{display:block}.output-panel{box-shadow:none;border:0}.content-block{box-shadow:none}.table-wrap{overflow:visible}table{min-width:0}button{display:none}h1{font-size:22px}}