:root{--navy:#102044;--blue:#004aac;--blue2:#0a6dd8;--ink:#1c2944;--muted:#60708a;--bg:#f4f7fc;--line:#dae4f2;--white:#fff;--green:#067554;--red:#b72c46;--shadow:0 15px 45px rgba(11,42,92,.07)}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font:16px/1.58 system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}
a{color:var(--blue);text-underline-offset:3px}
a:hover{text-decoration-thickness:2px}
:focus-visible{outline:3px solid #ffba44;outline-offset:3px}
.wrapper{width:min(1150px,calc(100% - 40px));margin:auto}
header{background:#081e47;padding:16px 0;border-bottom:4px solid #2674d7}
header img{display:block;width:175px;max-width:100%;height:auto}
main{padding:25px 0 65px}
.breadcrumb{font-size:.88rem;color:var(--muted);margin-bottom:18px}
.breadcrumb a{color:var(--blue)}
.hero{padding:22px 0 16px}
.eyebrow{display:inline-block;color:#004aac;background:#e5efff;border-radius:30px;font-size:.78rem;letter-spacing:.08em;text-transform:uppercase;font-weight:750;padding:6px 13px}
h1{font-size:clamp(1.9rem,4vw,3.3rem);line-height:1.13;max-width:850px;letter-spacing:-.035em;margin:17px 0;color:var(--navy)}
.hero p{max-width:790px;font-size:1.08rem;color:var(--muted);margin:0}
.main-grid{display:grid;grid-template-columns:minmax(0,1.04fr) minmax(0,.96fr);gap:24px;align-items:start}
.main-grid>*{min-width:0}
.panel{background:var(--white);border:1px solid var(--line);border-radius:19px;padding:clamp(17px,2.5vw,28px);box-shadow:var(--shadow);margin:20px 0}
h2{font-size:clamp(1.2rem,2.4vw,1.6rem);line-height:1.25;margin:0 0 10px;color:var(--navy)}
h3{font-size:1.02rem;line-height:1.4;color:var(--navy);margin:0 0 9px}
.muted,.hint{color:var(--muted);font-size:.91rem}
label{display:block;font-size:.88rem;font-weight:700;margin:0 0 5px}
input{display:block;width:100%;min-width:0;background:#fff;border:1px solid #a8b9d2;border-radius:10px;color:var(--ink);font:inherit;padding:11px 12px;line-height:1.3}
input:focus{border-color:var(--blue);box-shadow:0 0 0 3px rgba(0,74,172,.1);outline:none}
fieldset{border:1px solid var(--line);border-radius:15px;padding:16px;margin:16px 0;min-width:0}
legend{color:var(--navy);font-weight:800;padding:0 7px}
.fields{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:15px;min-width:0}
.field{min-width:0}
.field.full{grid-column:1 / -1}
.field .note{font-size:.78rem;line-height:1.35;color:var(--muted);margin-top:5px}
button,.button{font:inherit;font-weight:700;padding:11px 18px;border-radius:10px;border:1px solid transparent;cursor:pointer;display:inline-flex;gap:8px;align-items:center;justify-content:center;text-decoration:none;min-height:44px}
button.primary,.button.primary{color:#fff;background:var(--blue)}
button.primary:hover,.button.primary:hover{background:#003a86}
button.secondary{color:var(--blue);background:#eff5ff;border-color:#c9d9f5}
button.secondary:hover{background:#dfecff}
.actions{display:flex;flex-wrap:wrap;gap:9px;margin-top:16px}
.alert{border:1px solid #f0b2bd;background:#fff0f3;color:#9c1b35;border-radius:10px;padding:13px;margin-top:15px;font-weight:700}
.alert[hidden],#results[hidden]{display:none}
.results{scroll-margin-top:12px}
.kpi-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin-top:13px}
.kpi{border:1px solid #d7e5f8;border-radius:13px;padding:15px;background:#f5f9ff;min-width:0}
.kpi.hero-kpi{background:#0c3679;color:white;grid-column:1/-1;border-color:#0c3679}
.kpi span{display:block;font-size:.84rem;font-weight:650;opacity:.85}
.kpi strong{display:block;font-size:clamp(1.18rem,2.6vw,1.8rem);letter-spacing:-.02em;line-height:1.2;margin-top:6px;overflow-wrap:anywhere}
.kpi.hero-kpi strong{font-size:clamp(1.7rem,3vw,2.4rem)}
.kpi strong.negative,.negative{color:var(--red)!important}
.detail-list{display:grid;grid-template-columns:1fr auto;gap:7px 12px;margin:12px 0 0;padding-top:12px;border-top:1px solid var(--line)}
.detail-list dt{color:var(--muted)}
.detail-list dd{text-align:right;font-variant-numeric:tabular-nums;font-weight:700;margin:0}
.insight{background:#eaf3ff;border-left:4px solid var(--blue);padding:12px 15px;border-radius:9px;margin:17px 0}
.insight p{margin:5px 0}
.table-wrap{overflow:auto;max-width:100%;border:1px solid var(--line);border-radius:12px;margin-top:12px}
table{width:100%;border-collapse:collapse;text-align:right;font-size:.88rem;min-width:630px}
th,td{padding:10px 12px;border-bottom:1px solid var(--line);font-variant-numeric:tabular-nums;white-space:nowrap}
thead{background:#eef4ff;color:#193961}
th:first-child,td:first-child{text-align:left}
tbody tr:last-child td{border-bottom:none}
.editorial{max-width:900px}
.editorial p,.editorial li{color:#34455f}
.editorial li{margin:7px 0}
.editorial code{background:#edf3fc;padding:2px 5px;border-radius:4px}
.cta{border:1px solid #bad3f5;background:linear-gradient(135deg,#e6f1ff,#fff);border-radius:19px;padding:27px;margin:20px 0}
.cta h2{margin-bottom:10px}
.cta p{max-width:810px}
.cta small{display:block;margin-top:12px;color:#586c87}
.fineprint{font-size:.84rem;color:var(--muted)}
.inline-link{display:inline-block;margin-top:15px}
@media(max-width:900px){.main-grid{grid-template-columns:minmax(0,1fr)}.results{order:2}}
@media(max-width:600px){.wrapper{width:calc(100% - 24px)}main{padding-top:17px}.hero{padding-top:8px}.panel{margin:14px 0;border-radius:15px}.fields{grid-template-columns:minmax(0,1fr);gap:12px}.kpi-grid{gap:8px}.kpi{padding:12px}.actions button{flex:1 1 130px}.cta{padding:19px}}
@media(max-width:360px){.fields{grid-template-columns:1fr}.kpi-grid{grid-template-columns:1fr}.kpi.hero-kpi{grid-column:auto}}
@media print{body{background:white;font-size:11pt}header,.breadcrumb,.hero .eyebrow,.form-panel,.actions,.cta,footer,.inline-link{display:none!important}main{padding:0}.main-grid{display:block}.panel{border:0;box-shadow:none;padding:6px 0;margin:10px 0}.wrapper{width:100%}.table-wrap{overflow:visible}table{min-width:0;white-space:normal;font-size:9pt}th,td{padding:4px 6px;white-space:normal}.kpi{break-inside:avoid}.results{display:block!important}}