:root{--ink:#183134;--muted:#617476;--primary:#087f78;--primary-dark:#05655f;--soft:#e9f7f5;--page:#f4f8f7;--surface:#fff;--line:#dce7e6;--danger:#a63232;--danger-soft:#fff1f1;--warning:#72540f;--warning-soft:#fff8e3;--good:#17724f;--good-soft:#eef9f3;--neutral:#496366;--shadow:0 18px 50px rgba(20,55,55,.09)}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;overflow-x:hidden;background:var(--page);color:var(--ink);font-family:Inter,system-ui,-apple-system,"Segoe UI",sans-serif;line-height:1.55}
button,input{font:inherit}
button{touch-action:manipulation}
a{color:var(--primary-dark)}
[hidden]{display:none!important}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.page-shell{width:min(1120px,calc(100% - 32px));margin:auto;padding:48px 0 72px}
.hero{max-width:850px;margin:0 auto 32px;text-align:center}
.eyebrow{margin:0 0 7px;color:var(--primary);font-size:.76rem;font-weight:850;letter-spacing:.11em;text-transform:uppercase}
.hero h1{margin:0;font-size:clamp(2.1rem,6vw,3.7rem);line-height:1.05;letter-spacing:-.035em}
.subtitle{max-width:760px;margin:16px auto 0;color:#40595b;font-size:1.08rem}
.hero-note{max-width:720px;margin:12px auto 0;color:var(--muted);font-size:.88rem}
.panel,.result-card,.education{border:1px solid var(--line);border-radius:18px;background:#fff;box-shadow:var(--shadow)}
.calculator-layout{display:grid;grid-template-columns:minmax(0,1.08fr) minmax(350px,.92fr);align-items:start;gap:20px}
.steps-column{display:grid;gap:18px}
.panel{padding:clamp(20px,3vw,28px)}
.section-heading{display:flex;align-items:flex-start;gap:12px;margin-bottom:20px}
.section-heading h2{margin:0;font-size:1.25rem;line-height:1.25}
.section-heading p{margin:4px 0 0;color:var(--muted);font-size:.86rem}
.step{width:34px;height:34px;flex:0 0 auto;border-radius:10px;display:grid;place-items:center;background:var(--primary);color:#fff;font-size:.88rem;font-weight:900}
.field-grid,.detail-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.field{min-width:0}
.field label{display:block;margin-bottom:7px;color:#284346;font-size:.88rem;font-weight:800}
.optional{color:var(--muted);font-weight:600}
.field input{width:100%;min-width:0;min-height:50px;padding:11px 13px;border:1px solid #bfcfcd;border-radius:10px;background:#fff;color:var(--ink);outline:0}
.field input:focus,.button:focus-visible,.text-button:focus-visible,.slider-wrap input:focus-visible{border-color:var(--primary);outline:3px solid rgba(8,127,120,.18);outline-offset:2px}
.field input[aria-invalid=true]{border-color:var(--danger);background:var(--danger-soft)}
.input-affix{overflow:hidden;border:1px solid #bfcfcd;border-radius:10px;display:flex;align-items:center;background:#fff;transition:border-color .16s,box-shadow .16s}
.input-affix:focus-within{border-color:var(--primary);box-shadow:0 0 0 3px rgba(8,127,120,.14)}
.input-affix:has(input[aria-invalid=true]){border-color:var(--danger);background:var(--danger-soft)}
.input-affix span{padding-left:13px;color:#567073;font-weight:800}
.input-affix.suffix span{padding:0 13px 0 6px}
.input-affix input{border:0;border-radius:0;background:transparent;box-shadow:none!important;outline:0!important}
.input-affix:not(.suffix) input{padding-left:7px}
.helper,.error{display:block;margin-top:6px;font-size:.77rem;line-height:1.45}
.helper{color:var(--muted)}
.error{min-height:1.1em;color:var(--danger);font-weight:750}
.running-total{margin:18px 0 0;padding:13px 15px;border-radius:10px;display:flex;align-items:center;justify-content:space-between;gap:15px;background:var(--soft);color:#315254;font-size:.9rem}
.running-total strong{color:var(--primary-dark);font-size:1rem}
.text-button{margin:14px 0 0;padding:7px 0;border:0;background:transparent;color:var(--primary-dark);font-size:.85rem;font-weight:850;text-decoration:underline;text-underline-offset:3px;cursor:pointer}
.detailed-rates{padding:16px;border:1px solid var(--line);border-radius:12px;background:#f9fcfb}
.detail-grid{gap:13px}
.profit-control{display:grid;grid-template-columns:minmax(180px,.65fr) 1fr;align-items:center;gap:22px}
.slider-wrap input{width:100%;accent-color:var(--primary);cursor:pointer}
.slider-labels{display:flex;justify-content:space-between;margin-top:3px;color:var(--muted);font-size:.72rem;font-weight:700}
.calculator-actions{padding:4px 2px 0;display:flex;align-items:center;gap:10px;flex-wrap:wrap}
.calculator-actions p{flex:1 0 100%;margin:1px 0 0;color:var(--muted);font-size:.76rem}
.button{min-height:48px;padding:11px 17px;border:1px solid transparent;border-radius:10px;font-size:.88rem;font-weight:850;cursor:pointer}
.button.primary{background:var(--primary);color:#fff}
.button.primary:hover{background:var(--primary-dark)}
.button.secondary{border-color:#b9ccca;background:#fff;color:#365456}
.button.secondary:hover{background:var(--soft)}
.result-card{position:sticky;top:18px;padding:clamp(24px,3vw,34px);overflow:hidden}
.result-card::before{position:absolute;inset:0 0 auto;height:5px;background:var(--primary);content:""}
.result-card h2{margin:0;font-size:1.35rem}
.main-result{display:block;margin:12px 0 4px;color:var(--primary-dark);font-size:clamp(2.35rem,5vw,3.65rem);line-height:1.05;letter-spacing:-.045em;overflow-wrap:anywhere}
.result-status{min-height:1.45em;margin:0 0 19px;color:var(--muted);font-size:.86rem}
.result-status.error-state{padding:10px 12px;border-radius:9px;background:var(--danger-soft);color:var(--danger);font-weight:750}
.result-list{margin:0;border-top:1px solid var(--line)}
.result-list div{padding:10px 0;border-bottom:1px solid var(--line);display:flex;justify-content:space-between;gap:14px}
.result-list dt{color:var(--muted)}
.result-list dd{margin:0;color:var(--ink);font-weight:850;text-align:right}
.commercial-price{margin:20px 0;padding:16px;border:1px solid #b7d8d4;border-radius:12px;background:var(--soft)}
.commercial-price span,.commercial-price small{display:block}
.commercial-price span{color:#315456;font-size:.78rem;font-weight:850;text-transform:uppercase;letter-spacing:.05em}
.commercial-price strong{display:block;margin:2px 0 5px;color:var(--primary-dark);font-size:1.55rem}
.commercial-price small{color:#496568;font-size:.74rem;line-height:1.45}
.composition h3{margin:0 0 10px;font-size:1rem}
.composition-bar{width:100%;height:28px;overflow:hidden;border-radius:8px;display:flex;background:#edf2f1}
.composition-bar span{width:0;min-width:0;transition:width .25s ease}
.cost-segment{background:#617c80}.fees-segment{background:#d29a22}.profit-segment{background:var(--primary)}
.composition-legend{margin-top:10px;display:grid;grid-template-columns:repeat(3,1fr);gap:7px}
.composition-legend p{margin:0;min-width:0;padding:8px;border:1px solid var(--line);border-radius:8px;display:grid;grid-template-columns:auto 1fr;align-items:center;gap:3px 6px;color:var(--muted);font-size:.7rem}
.composition-legend strong{grid-column:2;color:var(--ink);font-size:.85rem}
.legend-marker{width:20px;height:20px;border-radius:5px;grid-row:1/3;display:grid;place-items:center;color:#fff;font-size:.62rem;font-weight:900}.cost-marker{background:#617c80}.fees-marker{background:#ad7611}.profit-marker{background:var(--primary)}
.alternative{margin-top:22px;display:grid;grid-template-columns:.85fr .65fr 1.5fr;align-items:center;gap:22px}
.alternative-copy h2{margin:0;font-size:1.45rem}.alternative-copy>p:last-child{margin:6px 0 0;color:var(--muted);font-size:.85rem}
.alternative-result{padding:18px;border:1px solid var(--line);border-radius:13px;background:#f8fbfa}
.alternative-result>div>p{margin:7px 0 14px;color:#4d6769;font-size:.82rem}
.state-badge{display:inline-block;padding:5px 8px;border-radius:6px;background:#e9efee;color:var(--neutral);font-size:.7rem;font-weight:900;letter-spacing:.04em;text-transform:uppercase}
.alternative-result.good{border-color:#aad5c1;background:var(--good-soft)}.alternative-result.good .state-badge{background:#d7f1e3;color:var(--good)}
.alternative-result.warning{border-color:#e3ce91;background:var(--warning-soft)}.alternative-result.warning .state-badge{background:#f7eabf;color:var(--warning)}
.alternative-result.danger{border-color:#e1b5b5;background:var(--danger-soft)}.alternative-result.danger .state-badge{background:#f3d6d6;color:var(--danger)}
.alternative-result dl{margin:0;display:grid;grid-template-columns:1fr 1fr;gap:8px}
.alternative-result dl div{padding:8px;border-radius:7px;background:rgba(255,255,255,.72)}
.alternative-result dt{color:var(--muted);font-size:.68rem}.alternative-result dd{margin:2px 0 0;font-size:.82rem;font-weight:850}
.quick-guide{margin-top:22px;display:grid;grid-template-columns:repeat(5,1fr);gap:12px}
.quick-guide article{padding:18px;border:1px solid var(--line);border-radius:13px;background:#fff}
.quick-guide h2{margin:0;font-size:.92rem;line-height:1.3}.quick-guide p{margin:7px 0 0;color:var(--muted);font-size:.77rem}
.ad-space{min-height:120px;margin:35px 0;overflow:hidden;display:grid;place-items:center}
.education{padding:clamp(24px,5vw,46px)}
.education>h2{margin:30px 0 7px;font-size:1.45rem}.education>.eyebrow+h2{margin-top:0}.education>p:not(.eyebrow){max-width:850px;color:#496366}
.related{margin-top:35px;padding-top:25px;border-top:1px solid var(--line)}.related h2{margin:0 0 14px;font-size:1.25rem}.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}.related-grid a{padding:16px;border:1px solid var(--line);border-radius:10px;display:flex;flex-direction:column;gap:9px;color:var(--ink);text-decoration:none}.related-grid a:hover{border-color:#9ccdc8;background:var(--soft)}.related-grid span{color:var(--muted);font-size:.8rem}.related-grid strong{color:var(--primary-dark);font-size:.82rem}
.disclaimer{margin-top:28px;padding:16px;border-left:4px solid var(--primary);border-radius:0 10px 10px 0;background:var(--soft);color:#405d60;font-size:.8rem}
.notice{padding:13px;border-radius:10px}.notice.danger{background:var(--danger-soft);color:var(--danger)}
@media(max-width:950px){.calculator-layout{grid-template-columns:1fr}.result-card{position:static}.alternative{grid-template-columns:1fr 1fr}.alternative-result{grid-column:1/-1}.quick-guide{grid-template-columns:repeat(2,1fr)}}
@media(max-width:680px){.page-shell{width:min(100% - 20px,1120px);padding-top:34px}.hero{margin-bottom:25px}.field-grid,.detail-grid,.profit-control,.alternative,.related-grid{grid-template-columns:1fr}.calculator-actions .button{width:100%}.alternative-result{grid-column:auto}.quick-guide{grid-template-columns:1fr}.composition-legend{grid-template-columns:1fr 1fr 1fr}.composition-legend p{padding:6px;grid-template-columns:1fr;text-align:center}.legend-marker{grid-row:auto;margin:auto}.composition-legend strong{grid-column:auto}.result-list div{font-size:.9rem}}
@media(max-width:420px){.page-shell{width:min(100% - 16px,1120px)}.panel,.result-card{border-radius:14px}.composition-legend{gap:4px}.composition-legend p{font-size:.64rem}.alternative-result dl{grid-template-columns:1fr}.main-result{font-size:2.25rem}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.composition-bar span{transition:none}}