:root{color-scheme:light;--bg:#f4f7fb;--panel:#fff;--text:#142033;--muted:#57657d;--primary:#185adb;--primary-dark:#113d90;--success:#dff7e8;--success-text:#0d6b33;--danger:#fde8e8;--danger-text:#9d2020;--border:#d7dfeb;--shadow:0 20px 45px rgba(20,32,51,.08)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;background:linear-gradient(180deg,#f7faff 0,var(--bg) 100%);color:var(--text)}a{color:inherit;text-decoration:none}.page{max-width:1200px;margin:0 auto;padding:32px 20px 64px}.calculator-shell,.content-grid,.hero{display:grid;grid-gap:24px;gap:24px}.hero{grid-template-columns:1.4fr 1fr;align-items:center;padding:40px 0 16px}.hero h1{font-size:clamp(2.3rem,5vw,4.3rem);line-height:1.05;margin:0 0 16px}.eyebrow{color:var(--primary);font-weight:700;text-transform:uppercase;letter-spacing:.08em}.lead{font-size:1.1rem;color:var(--muted);max-width:58ch}.cta-row{display:flex;gap:12px;margin-top:24px;flex-wrap:wrap}.button{padding:13px 18px;border-radius:999px;font-weight:700}.primary{background:var(--primary);color:#fff}.secondary{background:#fff}.panel,.secondary{border:1px solid var(--border)}.panel{background:var(--panel);border-radius:24px;padding:24px;box-shadow:var(--shadow)}.hero-card ul{padding-left:18px;margin:0;color:var(--muted)}.calculator-shell{grid-template-columns:1.2fr .9fr;margin:20px 0 24px}.grid.two-col{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));grid-gap:14px;gap:14px}label{display:grid;grid-gap:8px;gap:8px;font-size:.95rem}label span{font-weight:700}input,select,textarea{width:100%;padding:12px 14px;border-radius:14px;border:1px solid var(--border);background:#fbfdff;font:inherit;color:inherit}textarea{min-height:100px;resize:vertical}.full{grid-column:1/-1}.result-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));grid-gap:14px;gap:14px}.check-card,.metric-card{border-radius:18px;padding:18px;border:1px solid var(--border);display:grid;grid-gap:8px;gap:8px;background:#f9fbfe}.check-card span,.metric-card span{color:var(--muted)}.check-card.pass{background:var(--success);color:var(--success-text);border-color:transparent}.check-card.fail{background:var(--danger);color:var(--danger-text);border-color:transparent}.check-card.placeholder{grid-column:1/-1}.content-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.faq-list details{border-top:1px solid var(--border);padding:16px 0}.faq-list details:first-child{border-top:0;padding-top:0}.faq-list summary{font-weight:700;cursor:pointer}.faq-list p,.panel p,.result-panel p,li{color:var(--muted);line-height:1.6}.workings{margin:4px 0 0;font-size:.82rem;color:var(--muted);line-height:1.5;border-top:1px solid var(--border);padding-top:8px}.check-card.pass .workings{border-color:rgba(13,107,51,.2);color:var(--success-text);opacity:.85}.check-card.fail .workings{border-color:rgba(157,32,32,.2);color:var(--danger-text);opacity:.85}.workings-note{font-style:italic;opacity:.8}.assumptions-panel{margin:0 0 24px}.assumptions-panel h2{margin:0 0 20px}.assumptions-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));grid-gap:20px;gap:20px}.assumption-block h3{font-size:.95rem;margin:0 0 10px;color:var(--text)}.assumption-block ul{margin:0;padding-left:18px}.assumption-block li{font-size:.9rem;margin-bottom:6px}.warning-block{background:#fffbea;border:1px solid #f0c040;border-radius:16px;padding:18px}.warning-block h3{color:#7a5200}.warning-block p{color:#5c3d00;font-size:.9rem;margin:0;line-height:1.6}@media (max-width:720px){.assumptions-grid{grid-template-columns:1fr}}@media (max-width:960px){.calculator-shell,.content-grid,.hero{grid-template-columns:1fr}}@media (max-width:720px){.grid.two-col,.result-grid{grid-template-columns:1fr}.page{padding-inline:14px}}