:root{--ink:#183134;--muted:#617476;--primary:#087f78;--primary-dark:#05655f;--soft:#e9f7f5;--page:#f4f8f7;--line:#dce7e6;--danger:#a63232;--danger-soft:#fff1f1;--shadow:0 18px 50px rgba(20,55,55,.09)}
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minmax(350px,.92fr);align-items:start;gap:20px}.steps-column{display:grid;gap:18px}.panel,.result-card,.education{border:1px solid var(--line);border-radius:18px;background:#fff;box-shadow:var(--shadow)}.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{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 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var(--line);display:flex;justify-content:space-between;gap:14px}.result-list dt{color:var(--muted)}.result-list dd{margin:0;text-align:right;font-weight:850}.result-list dd small{display:block;color:var(--muted);font-size:.72rem;font-weight:600}.result-message{margin-top:20px;padding:14px;border-radius:10px;background:var(--soft);color:#315456;font-size:.84rem}.negative{color:var(--danger)!important}.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}.formula{padding:14px;border-radius:10px;background:var(--soft);color:var(--primary-dark)!important;font-weight:850}.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)}.form-error{color:var(--danger)!important;font-weight:750}@media(max-width:950px){.calculator-layout{grid-template-columns:1fr}.result-card{position:static}}@media(max-width:680px){.page-shell{width:min(100% - 20px,1120px);padding-top:34px}.field-grid,.related-grid{grid-template-columns:1fr}.calculator-actions .button{width:100%}.result-list div{font-size:.9rem}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}