:root{--navy:#061b30;--navy-2:#0b2d4d;--ink:#102235;--muted:#5d6b7a;--orange:#f47c20;--ice:#f3f7fa;--line:#dbe4eb}
*{box-sizing:border-box}body{margin:0;color:var(--ink);font:16px/1.6 Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}a{color:inherit}img{max-width:100%;display:block}.container{width:min(1080px,calc(100% - 40px));margin:auto}
.nav{background:var(--navy);color:white}.nav-inner{min-height:82px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{display:flex;align-items:center;gap:12px;text-decoration:none}.brand-mark{width:40px;height:40px;border-radius:12px;background:white;position:relative;overflow:hidden}.brand-mark img{position:absolute;width:175%;max-width:none;right:-3%;top:50%;transform:translateY(-50%)}.brand-name{font-weight:850;letter-spacing:.08em;text-transform:uppercase;font-size:.92rem}.brand-name span{color:var(--orange)}.nav-links{display:flex;align-items:center;gap:26px}.nav-links a{color:#d6e2ec;text-decoration:none;font-size:.9rem;font-weight:650}.nav-links a:hover{color:white}.nav-links .active{color:white;border-bottom:2px solid var(--orange)}
.intro{padding:70px 0 54px;background:linear-gradient(125deg,var(--navy),#0c3659);color:white}.eyebrow{color:var(--orange);font-size:.78rem;letter-spacing:.16em;text-transform:uppercase;font-weight:800}.intro h1{font-size:clamp(2.6rem,5.4vw,4.7rem);line-height:1.02;letter-spacing:-.05em;margin:15px 0 20px}.intro p{max-width:750px;color:#cfdae4;font-size:1.13rem;margin:0}.breadcrumb{display:inline-block;color:#b8cedd;text-decoration:none;margin-bottom:20px}.breadcrumb:hover{text-decoration:underline}
.main{background:var(--ice);padding:54px 0 85px;min-height:55vh}.card{background:white;border:1px solid var(--line);border-radius:22px;padding:34px;box-shadow:0 15px 45px rgba(6,27,48,.06)}.card h2{color:var(--navy);font-size:1.7rem;line-height:1.2;margin:0 0 12px}.muted{color:var(--muted)}.button{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:0 22px;border:0;border-radius:999px;background:var(--orange);color:var(--navy);font:inherit;font-weight:750;text-decoration:none;cursor:pointer}.button:hover{background:#ff913f}.tool-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px}.tool-list .card p{min-height:72px}.tag{display:inline-block;background:#fff2e7;color:#a84708;border-radius:100px;padding:4px 11px;font-size:.8rem;font-weight:700}
.layout{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:22px;align-items:start}.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}label{display:block;font-weight:700;color:var(--navy);font-size:.92rem}label small{display:block;color:var(--muted);font-weight:400;font-size:.81rem;margin-top:2px}.field{position:relative;margin-top:8px}.field span{position:absolute;top:50%;transform:translateY(-50%);color:var(--muted)}.field .prefix{left:14px}.field .suffix{right:14px}.field input{display:block;width:100%;border:1px solid #bac8d3;border-radius:10px;padding:12px 14px;background:white;color:var(--ink);font:inherit}.field .prefix+input{padding-left:30px}.field input:has(+.suffix){padding-right:33px}.field input:focus{outline:3px solid #f8c7a5;border-color:var(--orange)}.form-actions{margin-top:24px}.error{color:#a32924;margin:16px 0 0;font-weight:650}.result-banner{border-radius:14px;background:var(--navy);color:white;padding:23px;margin:18px 0 22px}.result-banner span{display:block;color:#d2dfe8}.result-banner strong{display:block;font-size:clamp(2rem,4vw,2.9rem);line-height:1.15;margin:8px 0}.result-banner p{margin:0;color:#d2dfe8}.result-banner.negative strong{color:#ffb686}.result-banner.positive strong{color:#9fe3b7}.result-row{display:flex;justify-content:space-between;gap:18px;border-bottom:1px solid var(--line);padding:12px 0}.result-row strong{text-align:right;color:var(--navy)}.assumptions{margin-top:23px;font-size:.9rem;color:var(--muted)}.assumptions h3{color:var(--navy);margin-bottom:7px}.assumptions ul{padding-left:20px;margin-top:6px}.assumptions li{margin-bottom:7px}footer{border-top:1px solid var(--line);padding:26px 0;color:var(--muted);font-size:.9rem}.footer-inner{display:flex;justify-content:space-between;gap:15px;flex-wrap:wrap}.footer-brand{font-weight:850;color:var(--navy);text-transform:uppercase;letter-spacing:.08em}.footer-brand span{color:var(--orange)}:focus-visible{outline:3px solid rgba(244,124,32,.65);outline-offset:3px}
@media(max-width:760px){.layout,.tool-list{grid-template-columns:1fr}.nav-inner{min-height:74px}.nav-links{gap:14px}.nav-links a:not(.active){display:none}.intro{padding:55px 0}.main{padding:34px 0 65px}}
@media(max-width:440px){.container{width:calc(100% - 28px)}.card{padding:23px}.form-grid{grid-template-columns:1fr}.brand-name{font-size:.78rem}}
[hidden]{display:none!important}.span-2{grid-column:1/-1}.choice{border:0;margin:0;padding:0;min-width:0}.choice legend{font-weight:700;color:var(--navy);font-size:.92rem;padding:0;margin-bottom:8px}.choice legend small{display:block;color:var(--muted);font-weight:400;font-size:.81rem;margin-top:2px}.choice-option{display:flex;gap:10px;align-items:flex-start;border:1px solid #bac8d3;border-radius:10px;padding:12px 14px;margin-top:8px;cursor:pointer;font-weight:400;color:var(--ink)}.choice-option:has(input:checked){border-color:var(--orange);background:#fff7f0}.choice-option input{margin-top:5px;accent-color:var(--orange)}.choice-option strong{display:block;color:var(--navy)}
.table-wrap{overflow-x:auto;margin-top:18px}.loss-table{width:100%;border-collapse:collapse;font-size:.92rem}.loss-table caption{text-align:left;font-weight:700;color:var(--navy);margin-bottom:6px}.loss-table th,.loss-table td{padding:10px 8px;border-bottom:1px solid var(--line);text-align:right;white-space:nowrap}.loss-table th:first-child{text-align:left}.loss-table thead th{color:var(--muted);font-weight:650;font-size:.82rem}.loss-table td{color:var(--navy);font-weight:700}.subhead{color:var(--navy);margin:26px 0 4px;font-size:1.05rem}
.next-step{margin-top:24px;border-radius:14px;background:#fff2e7;padding:18px 20px;display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap}.next-step p{margin:0;color:var(--navy);font-weight:650}
.layout>.card{min-width:0}@media(max-width:440px){.loss-table th,.loss-table td{padding:9px 5px;font-size:.85rem}.next-step{padding:16px}}
@media(max-width:440px){.loss-table .units{display:none}}
.form-grid>label{display:flex;flex-direction:column}.form-grid>label>small{margin-bottom:8px}.form-grid>label>.field{margin-top:auto}
.layout-even{align-items:stretch}.layout-even>.card{display:flex;flex-direction:column}.layout-even>.card>form{flex:1;display:flex;flex-direction:column}.layout-even .form-actions{margin-top:auto;padding-top:24px}.layout-even .next-step{margin-top:auto}.layout-even #results .subhead{margin-top:26px}.layout-even>.method{display:block}.layout-even #results .result-row:last-of-type{margin-bottom:24px}
.layout-even .form-actions{padding-bottom:18px}