.calc-hero{background:radial-gradient(circle at 18% -80%, rgba(48, 112, 176, .32), transparent 42%), linear-gradient(120deg, #091728 0%, #0d2037 54%, #102b49 100%);border-bottom:3px solid #ffad0a;color:white;padding:36px 0 45px}.calc-hero .crumb{margin-bottom:23px}.calc-hero h1{font-size:clamp(26px,6vw,52px);max-width:840px;line-height:1.2;overflow-wrap:break-word;margin:0 0 12px}.calc-hero .hero-lead{max-width:840px}.calc-section{padding-top:61px}.calc-intro{display:grid;grid-template-columns:1.5fr 1fr;gap:28px;align-items:start;margin-bottom:27px}.calc-intro h2{font-size:clamp(28px,3vw,40px)}.calc-intro p{color:#61707a;max-width:680px}.truth-note{background:#fffbeb;border-left:4px solid #ffad0a;padding:17px 19px;border-radius:4px;color:#78350f;font-size:13px;line-height:1.5}.truth-note b{display:block;color:#423b32;margin-bottom:6px}.calc-layout{display:grid;grid-template-columns:1fr 1fr;align-items:start;gap:22px}.calc-form{padding:28px}.calc-form h3{font-size:20px}.preset-buttons{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:20px}.chip{background:#f0f3f5;border:1px solid #cad3d8;color:#324552;border-radius:25px;padding:9px 13px;font-size:12px;font-weight:800;cursor:pointer}.chip:hover,.chip:focus-visible{background:#ffeadb;border-color:#e98f4c}.field-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px 18px}.field-grid label{font-size:13px;font-weight:800;color:#293945;display:block}.field-grid input{margin-top:7px;display:block;width:100%;font-size:16px;height:46px;border:1px solid #b9c4cc;border-radius:7px;padding:0 12px;background:white;color:#1d2c36}.field-grid input:focus{outline:2px solid #eb8845}.form-subhead{font-size:17px!important;margin-top:28px!important;margin-bottom:15px!important}.form-help{font-size:12px;line-height:1.7;color:#5b6a76;margin-top:16px}.calc-actions{display:flex;align-items:center;gap:10px;flex-wrap:wrap;margin-top:23px}.action-button{border:0;background:#0284c7;color:#ffffff;border-radius:8px;padding:12px 18px;font-size:14px;font-weight:700;cursor:pointer;transition:background .15s ease}.action-button:hover{background:#0369a1}.action-button:hover{background:#fba35d}.quiet-button{border:1px solid #c8d1d6;background:white;border-radius:7px;padding:11px 17px;font-size:13px;font-weight:800;color:#354550;cursor:pointer}.form-error{background:#fff0ed;border-left:3px solid #b74e30;color:#963e29;padding:12px;font-size:13px;margin-top:15px}.calc-result{background:linear-gradient(145deg, #091728 0%, #1e293b 100%);border:1px solid #334155;border-radius:12px;color:#fff;overflow:hidden}.result-eyebrow{font-size:11px;letter-spacing:.14em;font-weight:900;color:#b4c5d0}.result-hero{display:flex;gap:15px;align-items:baseline;flex-wrap:wrap;border-bottom:1px solid #405664;padding-bottom:18px;margin:20px 0}.big-stat{font-size:clamp(48px,6vw,84px);line-height:1;font-weight:950;letter-spacing:-.05em;color:#ffad0a;font-variant-numeric:tabular-nums}.result-hero>span:last-child{font-size:13px;color:#b6c9d5}.stat-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px 18px}.stat-grid>div{border-bottom:1px solid #405360;padding-bottom:15px;min-width:0}.stat-grid small,.mini-comparison small{display:block;color:#b7c8d2;font-size:11px}.stat-grid b{display:block;font-size:21px;line-height:1.4;font-variant-numeric:tabular-nums;overflow-wrap:anywhere}.result-explain{font-size:13px;color:#c5d5df;margin:17px 0;line-height:1.7}.result-note{font-size:12px;color:#d2dee6;background:#314855;border-left:3px solid #f59651;border-radius:3px;padding:13px 15px;margin-top:19px}.mini-comparison{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:20px}.mini-comparison>div{border:1px solid #556c7a;padding:12px;border-radius:7px}.mini-comparison b{display:block;font-size:12px}.mini-comparison strong{font-size:28px;display:block;color:#ffad73}.article-content{max-width:910px}.article-content h2{font-size:clamp(29px,3.1vw,42px)}.article-content h3{font-size:20px;margin-top:32px}.article-content p{font-size:15px;line-height:1.9;color:#43535f;margin:0 0 15px}.article-content a{color:#a74d15;font-weight:800}.article-callout{border-left:4px solid #df7b34;background:#fff3e9;margin:26px 0;padding:19px 21px;font-size:14px;line-height:1.7}.article-actions{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;margin-top:33px}@media(max-width:880px){.calc-intro,.calc-layout{grid-template-columns:1fr}}@media(max-width:540px){.calc-hero{background:radial-gradient(circle at 18% -80%, rgba(48, 112, 176, .32), transparent 42%), linear-gradient(120deg, #091728 0%, #0d2037 54%, #102b49 100%);border-bottom:3px solid #ffad0a;color:white;padding:36px 0 45px}.calc-form{padding:18px}.field-grid{grid-template-columns:1fr}.calc-result{background:linear-gradient(145deg, #091728 0%, #1e293b 100%);border:1px solid #334155;border-radius:12px;color:#fff;overflow:hidden}.stat-grid{gap:12px}.stat-grid b{font-size:18px}.big-stat{font-size:56px}.mini-comparison strong{font-size:23px}}@media print{.topbar,.footer,.calc-actions,.preset-buttons,.article-actions{display:none!important}.calc-hero{background:radial-gradient(circle at 18% -80%, rgba(48, 112, 176, .32), transparent 42%), linear-gradient(120deg, #091728 0%, #0d2037 54%, #102b49 100%);border-bottom:3px solid #ffad0a;color:white;padding:36px 0 45px}.calc-hero .hero-lead,.calc-hero h1{font-size:clamp(26px,6vw,52px);max-width:840px;line-height:1.2;overflow-wrap:break-word;margin:0 0 12px}.panel,.calc-result,.truth-note{background:#fffbeb;border-left:4px solid #ffad0a;padding:17px 19px;border-radius:4px;color:#78350f;font-size:13px;line-height:1.5}.calc-result *{color:#000!important}.calc-layout{grid-template-columns:1fr 1fr}.calc-form{break-inside:avoid}.tinted{background:#fff}.article-content{font-size:12px}.calc-hero .crumb{color:#555}}

@media (max-width: 540px) { .calc-hero h1 { font-size: 24px !important; line-height: 1.25 !important; } }