:root{--navy:#001451;--green:#54e578;--dark-green:#00ab2b;--teal:#3c8e9b;--cyan:#0deef2;--white:#fff;--light-bg:#f8f9fc;--mid-bg:#eef1f7;--border:#dde2ef;--border-strong:#c4cbda;--text-body:#1a2340;--text-muted:#5a6880;--text-faint:#8a96aa;--gradient:linear-gradient(90deg,#54e577 9%,#40cdd7 63%,#3500ff);--font:"Inter",-apple-system,sans-serif;--accent:#001451;--accent-light:#eef1f7}.calc-wrap *,.calc-wrap :after,.calc-wrap :before{box-sizing:border-box;margin:0;padding:0}.calc-wrap{background:var(--white);color:var(--text-body);font-family:var(--font);line-height:1.5;margin:0 auto;max-width:1140px;-webkit-font-smoothing:antialiased}.calc-header{align-items:center;background:var(--navy);display:flex;padding:24px 36px}.calc-header h1{color:var(--white);font-size:26px;font-weight:700;letter-spacing:-.4px;line-height:1.25}.gradient-bar{background:var(--gradient);height:4px}.calc-body{display:flex;flex-wrap:wrap}.calc-inputs{background:var(--light-bg);border-right:1px solid var(--border);flex-shrink:0;min-width:300px;padding:24px 20px;width:340px}.calc-inputs,.calc-results{border-bottom:1px solid var(--border)}.calc-results{background:var(--white);flex:1;min-width:380px;padding:24px 28px 32px}@media (max-width:800px){.calc-inputs{border-bottom:1px solid var(--border);border-right:none;width:100%}.calc-results{min-width:unset}}.input-section{margin-bottom:22px}.input-section-title{border-bottom:1px solid var(--border);color:var(--text-faint);margin-bottom:12px;padding-bottom:7px}.input-section-title,.section-label{font-size:10px;font-weight:600;letter-spacing:1.5px;text-transform:uppercase}.section-label{color:var(--teal);margin-bottom:14px}.slider-group{margin-bottom:16px}.slider-row{align-items:baseline;display:flex;justify-content:space-between;margin-bottom:5px}.slider-label{color:var(--text-muted);font-size:12px;font-weight:500;line-height:1.3;padding-right:8px}.slider-value{color:var(--navy);flex-shrink:0;font-size:13px;font-variant-numeric:tabular-nums;font-weight:700;white-space:nowrap}.slider-range{display:flex;justify-content:space-between;margin-top:3px}.slider-note,.slider-range{color:var(--text-faint);font-size:10px}.slider-note{font-style:italic;margin-top:5px}.calc-wrap input[type=range]{appearance:none;-webkit-appearance:none;background:var(--mid-bg);border-radius:3px;cursor:pointer;height:5px;outline:none;width:100%}.calc-wrap input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;background:var(--navy);border:2px solid var(--white);border-radius:50%;box-shadow:0 1px 3px rgba(0,20,81,.2);cursor:pointer;height:15px;width:15px}.calc-wrap input[type=range]::-moz-range-thumb{background:var(--navy);border:2px solid var(--white);border-radius:50%;cursor:pointer;height:15px;width:15px}.biz-selector{display:flex;gap:8px;margin-bottom:16px}.biz-btn{align-items:center;background:var(--white);border:1.5px solid var(--border);border-radius:8px;cursor:pointer;display:flex;flex:1;font-family:var(--font);gap:7px;justify-content:center;padding:10px 8px;transition:border-color .15s,background .15s}.biz-btn:hover{border-color:var(--teal)}.biz-btn.active{background:#eef1f7;border-color:var(--navy)}.biz-btn-icon{font-size:18px}.biz-btn-label{color:var(--text-body);font-size:13px;font-weight:600}.biz-btn.active .biz-btn-label{color:var(--navy)}.total-badge{align-items:center;background:var(--navy);border-radius:7px;display:flex;justify-content:space-between;margin-bottom:16px;padding:8px 12px}.total-badge-label{color:hsla(0,0%,100%,.75);font-size:11px;font-weight:600;letter-spacing:1px;text-transform:uppercase}.total-badge-val{color:var(--white);font-size:16px;font-variant-numeric:tabular-nums;font-weight:700}.seg-group{margin-bottom:16px}.seg-label{color:var(--text-muted);display:block;font-size:12px;font-weight:500;margin-bottom:6px}.seg-control{background:var(--mid-bg);border:1px solid var(--border);border-radius:7px;display:flex;overflow:hidden}.calc-wrap button.seg-btn{-webkit-appearance:none;appearance:none;background:transparent;border:none;color:var(--text-muted);cursor:pointer;flex:1;font-family:var(--font);font-size:11px;font-weight:600;padding:7px 4px;transition:background .15s,color .15s}.calc-wrap button.seg-btn:not(:last-child){border-right:1px solid var(--border)}.calc-wrap button.seg-btn.active{background:var(--navy);color:var(--white);font-weight:700}.assumption-row{background:var(--white);border:1px solid var(--green);border-radius:7px;margin-bottom:7px;overflow:hidden;transition:border-color .15s,opacity .15s}.assumption-row.off{border-color:var(--border-strong);opacity:.65}.assumption-main{align-items:center;cursor:pointer;display:flex;justify-content:space-between;padding:8px 10px;user-select:none}.assumption-main:hover{background:var(--light-bg)}.assumption-label{color:var(--text-muted);font-size:11px;font-weight:500}.assumption-right{align-items:center;display:flex;flex-shrink:0;gap:8px}.assumption-val{color:var(--navy);font-size:12px;font-variant-numeric:tabular-nums;font-weight:700;min-width:60px;text-align:right}.assumption-row.off .assumption-val{color:var(--text-faint)}.mini-track{background:var(--green);border:1px solid var(--dark-green);border-radius:8px;cursor:pointer;flex-shrink:0;height:15px;position:relative;transition:background .15s;width:28px}.mini-track.off{background:var(--mid-bg);border-color:var(--border-strong)}.mini-thumb{background:var(--white);border-radius:50%;box-shadow:0 1px 2px rgba(0,0,0,.15);height:11px;left:14px;position:absolute;top:1px;transition:left .15s;width:11px}.mini-track.off .mini-thumb{left:1px}.assumption-expanded{background:var(--light-bg);border-top:1px solid var(--border);display:none;padding:10px 10px 12px}.assumption-expanded.visible{display:block}.assumption-context{background:var(--white);border-left:2px solid var(--green);border-radius:5px;color:var(--text-muted);font-size:11px;line-height:1.55;margin-bottom:10px;padding:7px 10px}.aslider-range{color:var(--text-faint);display:flex;font-size:10px;justify-content:space-between;margin-top:3px}.gs-sub-section{border-top:1px dashed var(--border);margin-top:10px;padding-top:10px}.gs-sub-title{color:var(--text-faint);font-size:10px;font-weight:600;letter-spacing:1px;margin-bottom:8px;text-transform:uppercase}.gs-slider-row{align-items:baseline;display:flex;justify-content:space-between;margin-bottom:4px}.gs-slider-label{color:var(--text-muted);font-size:11px}.gs-slider-val{color:var(--navy);font-size:12px;font-variant-numeric:tabular-nums;font-weight:700}.lac-row{background:var(--white);border:1px solid var(--green);border-radius:7px;margin-bottom:7px;overflow:hidden;transition:border-color .15s,opacity .15s}.lac-row.off{border-color:var(--border-strong);opacity:.65}.lac-main{align-items:center;cursor:pointer;display:flex;justify-content:space-between;padding:8px 10px;user-select:none}.lac-main:hover{background:var(--light-bg)}.lac-left{display:flex;flex-direction:column}.lac-title{color:var(--text-muted);font-size:11px;font-weight:500}.lac-sub{color:var(--text-faint);font-size:10px;margin-top:1px}.lac-right{align-items:center;display:flex;flex-shrink:0;gap:8px}.lac-val{color:var(--navy);font-size:12px;font-variant-numeric:tabular-nums;font-weight:700;min-width:60px;text-align:right}.lac-row.off .lac-val{color:var(--text-faint)}.lac-expanded{background:var(--light-bg);border-top:1px solid var(--border);display:none;padding:10px 10px 12px}.lac-expanded.visible{display:block}.how-it-works{background:var(--white);border:1px solid var(--border);border-left:3px solid var(--green);border-radius:7px;margin-bottom:20px;padding:11px 14px}.how-it-works .cal-title{color:var(--teal);font-size:10px;font-weight:600;letter-spacing:1px;margin-bottom:5px;text-transform:uppercase}.how-it-works p{color:var(--text-muted);font-size:11px;line-height:1.6}.stats-row{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:22px}.stat-card{background:var(--light-bg);border:1px solid var(--border);border-radius:9px;flex:1;min-width:110px;padding:14px 12px;text-align:center}.stat-card.accent{background:var(--navy);border-color:var(--navy);padding:18px 14px}.stat-value{color:var(--navy);font-size:22px;font-variant-numeric:tabular-nums;font-weight:700;line-height:1.1}.stat-card.accent .stat-value{color:var(--green);font-size:28px}.stat-label{color:var(--text-faint);font-size:10px;font-weight:600;letter-spacing:1px;margin-top:3px;text-transform:uppercase}.stat-card.accent .stat-label{color:hsla(0,0%,100%,.7)}.stat-sub{color:var(--text-faint);font-size:10px;line-height:1.4;margin-top:2px}.stat-card.accent .stat-sub{color:hsla(0,0%,100%,.5)}.pillars-stack{display:flex;flex-direction:column;gap:10px;margin-bottom:22px}.pillar-card{background:var(--white);border:1px solid var(--border);border-radius:9px;gap:14px;padding:14px 16px}.pillar-card,.pillar-icon{align-items:center;display:flex}.pillar-icon{border-radius:8px;flex-shrink:0;font-size:17px;height:36px;justify-content:center;width:36px}.pillar-body{flex:1}.pillar-tag{font-size:10px;font-weight:600;letter-spacing:1.5px;margin-bottom:2px;text-transform:uppercase}.pillar-value{color:var(--navy);font-size:22px;font-variant-numeric:tabular-nums;font-weight:700;line-height:1.1}.pillar-value span{color:var(--text-faint);font-size:11px;font-weight:400;margin-left:2px}.pillar-detail{color:var(--text-muted);font-size:11px;line-height:1.5;margin-top:3px}.pillar-bar-track{background:var(--mid-bg);border-radius:2px;height:3px;margin-top:8px;overflow:hidden}.pillar-bar-fill{border-radius:2px;height:100%;transition:width .35s ease}.methodology{background:var(--light-bg);border:1px solid var(--border);border-radius:9px;overflow:hidden}.methodology-toggle{align-items:center;cursor:pointer;display:flex;justify-content:space-between;padding:13px 18px;user-select:none}.methodology-toggle:hover{background:var(--mid-bg)}.methodology-toggle .section-label{margin-bottom:0}.methodology-chevron{color:var(--text-faint);flex-shrink:0;font-size:11px;transition:transform .25s ease}.methodology-chevron.open{transform:rotate(180deg)}.methodology-body{display:none;padding:0 18px 16px}.methodology-body.open{display:block}.methodology p{color:var(--text-muted);font-size:11px;line-height:1.75;margin-bottom:7px}.methodology p:last-child{margin-bottom:0}.methodology strong{color:var(--navy);font-weight:600}