:root{
  --bg:#f4f7fb;--surface:#fff;--text:#142033;--muted:#66758a;--line:#e4eaf2;
  --blue:#0b5cab;--blue2:#2f8fd8;--yellow:#ffbd1a;--green:#138a52;--red:#c84343;
  --shadow:0 10px 30px rgba(24,49,83,.08);--radius:22px;
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--bg);color:var(--text);font-family:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;line-height:1.5}
button,input,select{font:inherit}.app-shell{max-width:1120px;margin:auto;padding:0 18px 42px}.topbar{display:flex;align-items:center;justify-content:space-between;padding:24px 2px 16px}.brand-wrap{display:flex;gap:12px;align-items:center}.brand-mark{width:42px;height:42px;border-radius:14px;display:grid;place-items:center;background:linear-gradient(145deg,var(--blue),var(--blue2));color:#fff;font-weight:900;font-size:21px;box-shadow:var(--shadow)}.eyebrow{font-size:11px;font-weight:800;letter-spacing:.14em;color:var(--blue);text-transform:uppercase}.topbar h1{font-size:20px;margin:2px 0 0}.icon-btn{border:1px solid var(--line);background:#fff;width:42px;height:42px;border-radius:14px;cursor:pointer;box-shadow:var(--shadow)}
.card{background:var(--surface);border:1px solid rgba(228,234,242,.95);border-radius:var(--radius);box-shadow:var(--shadow);padding:24px;margin:16px 0}.hero-card{background:linear-gradient(135deg,#0a4f98 0%,#0b68bc 60%,#3a94d2 100%);color:#fff;display:grid;grid-template-columns:1.25fr .75fr;gap:24px;overflow:hidden;position:relative}.hero-card:after{content:"";position:absolute;width:260px;height:260px;border-radius:50%;background:rgba(255,189,26,.16);right:-90px;top:-100px}.hero-copy,.hero-number{position:relative;z-index:1}.pill{display:inline-block;background:rgba(255,255,255,.13);border:1px solid rgba(255,255,255,.2);border-radius:999px;padding:7px 11px;font-size:12px}.hero h2{font-size:34px;line-height:1.12;margin:16px 0 12px;max-width:650px}.hero p{margin:0;color:rgba(255,255,255,.82);max-width:680px}.hero-number{align-self:end;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);border-radius:18px;padding:18px;backdrop-filter:blur(10px)}.hero-number span,.hero-number small{display:block;color:rgba(255,255,255,.78)}.hero-number strong{display:block;font-size:28px;margin:7px 0 4px}.hero-number small{font-size:12px}
.metrics-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.metric{margin:0;padding:18px}.metric span,.metric small{display:block}.metric span{color:var(--muted);font-size:13px}.metric strong{display:block;font-size:21px;margin:4px 0}.metric small{color:#8a97a9;font-size:11px}.section-head{display:flex;align-items:flex-end;justify-content:space-between;gap:18px;margin-bottom:20px}.section-head h2{margin:3px 0 0;font-size:24px}.mini-note{font-size:12px;color:var(--muted)}
.form-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.form-grid label{font-size:12px;font-weight:700;color:#536174}.form-grid input,.form-grid select{width:100%;margin-top:7px;border:1px solid #dce4ee;background:#fbfcfe;border-radius:13px;padding:12px 13px;color:var(--text);outline:none}.form-grid input:focus,.form-grid select:focus{border-color:#77aee1;box-shadow:0 0 0 3px rgba(47,143,216,.12)}.input-affix{display:flex;align-items:center;border:1px solid #dce4ee;background:#fbfcfe;border-radius:13px;margin-top:7px;overflow:hidden}.input-affix:focus-within{border-color:#77aee1;box-shadow:0 0 0 3px rgba(47,143,216,.12)}.input-affix input{border:0;margin:0;box-shadow:none!important;background:transparent}.input-affix span{padding:0 12px;color:#8794a6;white-space:nowrap}.calc-result-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:18px}.result-panel{background:#f7f9fc;border:1px solid var(--line);border-radius:16px;padding:16px}.result-panel span,.result-panel small{display:block;color:var(--muted)}.result-panel span{font-size:12px}.result-panel strong{display:block;font-size:19px;margin:5px 0}.result-panel small{font-size:11px}.result-primary{background:#ecf7ff;border-color:#cae7fb}.notice{border-radius:14px;padding:13px 15px;margin-top:15px;font-size:13px}.warning{background:#fff7e5;border:1px solid #f6df9e;color:#7d5a00}.info{background:#eef7ff;border:1px solid #cfe5f6;color:#315b79}.secondary-btn,.primary-btn{border:0;border-radius:12px;padding:11px 14px;font-weight:800;cursor:pointer}.secondary-btn{background:#edf2f8;color:#30445f}.primary-btn{background:var(--blue);color:#fff}.link-btn{text-decoration:none;display:inline-flex;align-items:center;justify-content:center}
.scenario-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}.scenario-card{border:1px solid var(--line);border-radius:18px;padding:18px;background:#fbfcfe}.scenario-card.recommended{border:2px solid #a6d1f3;background:linear-gradient(180deg,#f4fbff,#fff)}.scenario-date{display:inline-flex;border-radius:999px;background:#e7eef7;color:#48617e;padding:5px 9px;font-size:11px;font-weight:900}.recommended .scenario-date{background:#dff3ff;color:#12659c}.scenario-card h3{margin:10px 0 4px;font-size:19px}.scenario-card p{margin:0 0 14px;color:var(--muted);font-size:13px}.scenario-card dl{margin:0}.scenario-card dl div{display:flex;justify-content:space-between;gap:14px;padding:10px 0;border-top:1px solid var(--line)}.scenario-card dt{color:var(--muted);font-size:12px}.scenario-card dd{margin:0;text-align:right;font-weight:800}.scenario-card .total dd{font-size:18px;color:var(--blue)}.scenario-card .cashout{background:#edf8f1;margin:8px -8px -8px;padding:12px 8px;border-radius:12px}.scenario-card .cashout dd{color:var(--green)}.fineprint{font-size:11px;color:#7d899a;margin:14px 0 0}
.target-layout{display:grid;grid-template-columns:260px 1fr;gap:30px;align-items:center}.donut-wrap{display:grid;place-items:center}.donut{--pct:67%;width:210px;height:210px;border-radius:50%;background:conic-gradient(var(--blue) var(--pct),#e7edf4 0);display:grid;place-items:center;position:relative}.donut:before{content:"";position:absolute;inset:28px;background:white;border-radius:50%}.donut div{position:relative;text-align:center}.donut strong{display:block;font-size:34px}.donut span{color:var(--muted);font-size:12px}.big-stat{padding:16px;border-radius:15px;background:#eef7ff;border:1px solid #d4eaf8}.big-stat span,.split-row span{color:var(--muted);font-size:12px}.big-stat strong{display:block;font-size:26px;margin-top:3px}.split-row{display:flex;justify-content:space-between;gap:20px;padding:12px 3px;border-bottom:1px solid var(--line)}.split-row strong{text-align:right}
.chart-box{border:1px solid var(--line);border-radius:16px;padding:10px;background:#fbfcfe;overflow:hidden}.chart-box svg{display:block;width:100%;height:auto;min-height:220px}.table-scroll{overflow:auto;margin-top:16px}table{width:100%;border-collapse:collapse;font-size:13px;min-width:690px}th,td{text-align:right;padding:11px 10px;border-bottom:1px solid var(--line)}th:first-child,td:first-child{text-align:left}th{font-size:11px;color:var(--muted);text-transform:uppercase;letter-spacing:.05em}tbody tr:last-child td{border-bottom:0}
.waterfall-summary{display:flex;justify-content:space-between;gap:18px;margin-bottom:14px}.waterfall-summary div{flex:1;padding:14px;border:1px solid var(--line);border-radius:14px}.waterfall-summary span{display:block;color:var(--muted);font-size:12px}.waterfall-summary strong{font-size:20px}.waterfall{display:grid;gap:10px}.wf-row{display:grid;grid-template-columns:190px 1fr 150px;gap:12px;align-items:center}.wf-label{font-size:12px;color:var(--muted)}.wf-bar-track{height:13px;background:#edf1f6;border-radius:999px;overflow:hidden}.wf-bar{height:100%;border-radius:999px;background:linear-gradient(90deg,#f0ad00,#ffca43)}.wf-row:first-child .wf-bar{background:linear-gradient(90deg,var(--blue),var(--blue2))}.wf-value{text-align:right;font-weight:800;font-size:13px}
.cost-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}.cost-grid>div{padding:15px;border:1px solid var(--line);border-radius:15px;background:#fbfcfe}.cost-grid span{display:block;color:var(--muted);font-size:12px}.cost-grid strong{display:block;margin-top:4px;font-size:18px}.cost-total{grid-column:span 3!important;background:#ecf8f0!important;border-color:#cfead8!important}.cost-total strong{font-size:25px!important;color:var(--green)}
.timeline{list-style:none;padding:0;margin:0;position:relative}.timeline:before{content:"";position:absolute;left:104px;top:8px;bottom:8px;width:2px;background:#e2e9f1}.timeline li{display:grid;grid-template-columns:90px 1fr;gap:28px;padding:10px 0;position:relative}.timeline li:after{content:"";position:absolute;left:98px;top:17px;width:12px;height:12px;border-radius:50%;background:#9fb1c4;border:3px solid #fff;box-shadow:0 0 0 1px #cdd8e4}.timeline li.milestone:after{background:var(--yellow)}.timeline time{font-size:11px;color:var(--muted);font-weight:800}.timeline strong,.timeline span{display:block}.timeline span{font-size:12px;color:var(--muted);margin-top:2px}
.evidence-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.evidence-grid figure{margin:0;border:1px solid var(--line);border-radius:16px;overflow:hidden;background:#f8fafc}.evidence-grid img{width:100%;height:340px;object-fit:contain;background:#eef2f6;display:block}.evidence-grid figcaption{font-size:11px;color:var(--muted);padding:10px 12px}.disclaimer-card ul{margin:0;padding-left:20px}.disclaimer-card li{margin:8px 0;color:#556579;font-size:13px}.action-bar{display:flex;gap:10px;justify-content:flex-end;margin:20px 0}footer{text-align:center;color:#8b98aa;font-size:11px;padding:10px 0 30px}
body.privacy .evidence-card{display:none}body.privacy .sensitive{filter:blur(7px)}
@media(max-width:820px){.hero-card{grid-template-columns:1fr}.hero h2{font-size:29px}.metrics-grid{grid-template-columns:1fr 1fr}.form-grid{grid-template-columns:1fr 1fr}.calc-result-grid{grid-template-columns:1fr 1fr}.target-layout{grid-template-columns:1fr}.cost-grid{grid-template-columns:1fr 1fr}.cost-total{grid-column:span 2!important}.evidence-grid{grid-template-columns:1fr}.evidence-grid img{height:auto;max-height:560px}.wf-row{grid-template-columns:130px 1fr 115px}}
@media(max-width:520px){.app-shell{padding:0 12px 32px}.topbar{padding-top:16px}.card{padding:18px;border-radius:18px}.hero-card{padding:20px}.hero h2{font-size:26px}.hero-number strong{font-size:24px}.metrics-grid{gap:8px}.metric{padding:14px}.metric strong{font-size:17px}.section-head{align-items:flex-start}.section-head h2{font-size:21px}.form-grid{grid-template-columns:1fr}.calc-result-grid{grid-template-columns:1fr}.scenario-grid{grid-template-columns:1fr}.waterfall-summary{flex-direction:column}.wf-row{grid-template-columns:1fr}.wf-value{text-align:left}.wf-bar-track{order:3}.cost-grid{grid-template-columns:1fr}.cost-total{grid-column:auto!important}.timeline:before{left:78px}.timeline li{grid-template-columns:66px 1fr;gap:24px}.timeline li:after{left:72px}.action-bar{position:sticky;bottom:10px;background:rgba(244,247,251,.88);padding:9px;border-radius:15px;backdrop-filter:blur(10px);z-index:5}.action-bar>*{flex:1}.donut{width:185px;height:185px}.evidence-grid img{max-height:none}}
@media print{body{background:#fff}.app-shell{max-width:none;padding:0}.topbar,.action-bar,.calculator-card,.evidence-card,footer{display:none!important}.card{box-shadow:none;break-inside:avoid}.hero-card{print-color-adjust:exact;-webkit-print-color-adjust:exact}.notice{break-inside:avoid}}