:root {
  --red:#E31C23;
  --blue:#002868;
  --white:#fff;
  --navy:#0f1d3d;
  --muted:#5b6477;
  --bg1:#f7faff;
  --bg2:#ecf2fa;
  --line:#dbe4f1;
  --card:rgba(255,255,255,.88);
}

* { box-sizing: border-box; }

body {
  margin: 0;
  font-family: Inter, Arial, sans-serif;
  color: var(--navy);
  background:
    radial-gradient(circle at top left, rgba(227,28,35,.18), transparent 28%),
    radial-gradient(circle at top right, rgba(0,40,104,.2), transparent 30%),
    linear-gradient(135deg, var(--bg1), var(--bg2));
}

.container {
  max-width: 1180px;
  margin: 0 auto;
  padding: 24px 18px 40px;
}

.hero,
.panel,
.disclaimer-box,
.accordion details {
  background: var(--card);
  backdrop-filter: blur(8px);
  border: 1px solid rgba(255,255,255,.7);
  border-radius: 24px;
  box-shadow: 0 18px 40px rgba(10,20,60,.12);
}

.hero,
.panel,
.disclaimer-box {
  padding: 24px;
}

.eyebrow {
  display: inline-block;
  padding: 7px 12px;
  border-radius: 999px;
  font-size: 12px;
  font-weight: 800;
  letter-spacing: .05em;
  text-transform: uppercase;
  color: var(--blue);
  background: linear-gradient(180deg,#fff,#edf3fa);
  border: 1px solid var(--line);
}

.hero h1 {
  font-size: clamp(2rem, 4vw, 3.4rem);
  line-height: 1.02;
  margin: 10px 0 14px;
  letter-spacing: -.03em;
}

.subtitle {
  color: var(--muted);
  line-height: 1.65;
  font-size: 1.05rem;
  max-width: 62ch;
}

h2, h3 {
  color: var(--navy);
}

p, li, span {
  color: var(--navy);
}

.intro {
  margin-top: 20px;
  background: linear-gradient(180deg,#fff,#eef4fb);
  border: 1px solid var(--line);
  border-radius: 18px;
  padding: 16px;
  line-height: 1.6;
}:root {
  --bg: #f5f7fb;
  --panel: #ffffff;
  --text: #172033;
  --muted: #5a6473;
  --line: #dbe2ee;
  --accent: #174ea6;
  --accent-soft: #e9f1ff;
  --ok: #0f766e;
}

* { box-sizing: border-box; }
body {
  margin: 0;
  font-family: Inter, Arial, Helvetica, sans-serif;
  background: var(--bg);
  color: var(--text);
}
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 32px 20px 56px;
}
.hero { margin-bottom: 22px; }
.eyebrow {
  margin: 0 0 8px;
  color: var(--accent);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .08em;
  font-size: 12px;
}
h1 {
  margin: 0 0 10px;
  font-size: clamp(30px, 4vw, 42px);
  line-height: 1.08;
}
.subtitle {
  margin: 0;
  max-width: 780px;
  color: var(--muted);
  font-size: 16px;
}
.panel {
  background: var(--panel);
  border: 1px solid var(--line);
  border-radius: 20px;
  box-shadow: 0 10px 30px rgba(23, 32, 51, 0.05);
  padding: 22px;
  margin-top: 18px;
}
.panel h2 {
  margin: 0 0 16px;
  font-size: 22px;
}
.grid {
  display: grid;
  gap: 18px;
}
.inputs {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}
.two-col {
  grid-template-columns: 1.4fr 1fr;
}
.bottom-grid {
  align-items: start;
}
label span {
  display: block;
  font-weight: 600;
  margin-bottom: 8px;
}
input, select {
  width: 100%;
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 12px 14px;
  font: inherit;
  color: var(--text);
  background: #fff;
}
input:focus, select:focus {
  outline: 2px solid rgba(23, 78, 166, 0.18);
  border-color: var(--accent);
}
.table-wrap { overflow-x: auto; }
table {
  width: 100%;
  border-collapse: collapse;
  min-width: 560px;
}
thead th {
  text-align: left;
  font-size: 13px;
  color: var(--muted);
  font-weight: 700;
  background: #f8fafc;
}
th, td {
  padding: 12px 10px;
  border-bottom: 1px solid var(--line);
  vertical-align: top;
}
tbody tr:last-child td { border-bottom: 0; }
.results-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
}
.result-card {
  border: 1px solid var(--line);
  border-radius: 16px;
  padding: 16px;
  background: linear-gradient(180deg, #ffffff 0%, #f9fbff 100%);
}
.result-label {
  display: block;
  color: var(--muted);
  font-size: 14px;
  margin-bottom: 6px;
}
.result-value {
  display: block;
  font-size: 28px;
  line-height: 1.1;
  font-weight: 800;
}
.result-note {
  display: block;
  margin-top: 8px;
  color: var(--ok);
  font-size: 13px;
}
.how-to {
  margin: 0;
  padding-left: 20px;
}
.how-to li {
  margin: 0 0 10px;
  color: var(--text);
}
.muted { color: var(--muted); }
.badge {
  display: inline-block;
  background: var(--accent-soft);
  color: var(--accent);
  border-radius: 999px;
  padding: 3px 8px;
  font-weight: 700;
  font-size: 12px;
}
@media (max-width: 900px) {
  .inputs, .two-col, .results-grid { grid-template-columns: 1fr; }
}

.accordion {
  margin-top: 20px;
}

.accordion details {
  background: #f7f9fb;
  border-radius: 10px;
  padding: 12px 16px;
  margin-bottom: 12px;
  cursor: pointer;
}

.accordion summary {
  font-weight: 600;
  font-size: 16px;
  cursor: pointer;
}

.accordion details[open] {
  background: #eef4ff;
}
.accordion {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}

.accordion details {
  height: fit-content;
}
@media (max-width: 768px) {
  .accordion {
    grid-template-columns: 1fr;
  }
}
label span,
label {
  font-size: .92rem;
  font-weight: 800;
  margin-bottom: 6px;
  display: block;
}

input,
select,
button {
  font-family: inherit;
}

input,
select {
  width: 100%;
  padding: 14px 15px;
  border: 1px solid var(--line);
  border-radius: 16px;
  background: #fff;
  font-size: 1rem;
  color: var(--navy);
}

button,
#continueBtn {
  border: 0;
  border-radius: 16px;
  padding: 13px 16px;
  font-size: 1rem;
  font-weight: 800;
  cursor: pointer;
}

#continueBtn {
  color: #fff;
  background: linear-gradient(90deg,var(--red),#a6121a 48%,var(--blue));
}

#continueBtn:disabled {
  background: #c6cfdd;
  color: #fff;
  cursor: not-allowed;
}

.table-wrap {
  overflow-x: auto;
  border: 1px solid var(--line);
  border-radius: 18px;
  background: #fff;
}

table {
  width: 100%;
  border-collapse: collapse;
  background: #fff;
}

thead tr {
  background: #f6f9fd;
}

th,
td {
  padding: 12px 14px;
  border-bottom: 1px solid #edf1f7;
  text-align: left;
  vertical-align: top;
}

th {
  font-size: .84rem;
  font-weight: 800;
  text-transform: uppercase;
  color: var(--muted);
}

.results-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
}

.results-grid > div,
.result-card,
.metric-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 18px;
  padding: 14px;
}

.accordion {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin: 20px 0;
}

.accordion details {
  padding: 16px;
}

.accordion summary {
  font-weight: 800;
  font-size: 1rem;
  cursor: pointer;
  color: var(--navy);
}

.disclaimer-box {
  margin: 20px 0;
  background: linear-gradient(180deg,#fff,#eef4fb);
}

.checkbox {
  display: block;
  margin: 15px 0;
}

.grid.two-col,
.two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.inputs {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}

.panel {
  margin-top: 18px;
}

@media (max-width: 960px) {
  .accordion,
  .inputs,
  .results-grid,
  .grid.two-col,
  .two-col {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 640px) {
  .accordion,
  .inputs,
  .results-grid,
  .grid.two-col,
  .two-col {
    grid-template-columns: 1fr;
  }

  .hero,
  .panel,
  .disclaimer-box {
    padding: 18px;
    border-radius: 20px;
  }

  th, td {
    padding: 10px 12px;
  }
}
.grad {
  background: linear-gradient(90deg,var(--red),var(--blue));
  -webkit-background-clip: text;
  color: transparent;
}