:root{--navy:#0d2743;--blue:#0879d9;--blue2:#eaf5ff;--green:#0d8b4c;--green2:#e8f8ef;--red:#c92d3a;--red2:#fff0f1;--amber:#9a6b00;--amber2:#fff7db;--ink:#18324b;--muted:#64768a;--line:#dbe4ec;--bg:#f5f9fc;--white:#fff;--shadow:0 16px 40px rgba(13,39,67,.09)}*{box-sizing:border-box}body{margin:0;background:var(--bg);color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.45}.shell{max-width:1120px;margin:auto;padding:28px 18px 56px}.hero{text-align:center;margin:18px auto 28px;max-width:880px}.eyebrow{color:var(--blue);font-size:.82rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase}.hero h1{color:var(--navy);font-size:clamp(2rem,4vw,3.4rem);line-height:1.04;margin:.5rem 0 .8rem}.hero p{font-size:1.08rem;color:var(--muted)}.notice{background:var(--blue2);border:1px solid #cbe6fb;border-radius:12px;padding:14px 16px;text-align:left;color:#315b7b}.compact{margin-top:22px;font-size:.9rem}.calculator{background:var(--white);border-radius:20px;box-shadow:var(--shadow);overflow:hidden;border:1px solid #e7edf2}.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;padding:20px 24px;border-bottom:1px solid var(--line);background:#fbfdff}.step{border:0;background:none;color:#8a9aad;display:flex;align-items:center;justify-content:center;gap:8px;cursor:pointer}.step span{width:30px;height:30px;border-radius:50%;background:#edf2f6;display:grid;place-items:center;font-weight:800}.step.is-active{color:var(--navy);font-weight:800}.step.is-active span{background:var(--blue);color:white}.panel{display:none;padding:28px}.panel.is-active{display:block}.panel-head{display:flex;justify-content:space-between;gap:30px;align-items:flex-start;margin-bottom:24px}.panel-head b{color:var(--blue)}.panel-head h2{font-size:1.9rem;margin:2px 0;color:var(--navy)}.panel-head p{max-width:460px;color:var(--muted);margin:.4rem 0}.field{display:block;margin:20px 0}.field>span,.field legend{display:block;font-weight:750;color:var(--navy);margin-bottom:8px}.field label{display:block;margin:10px 0}.field small{display:block;color:var(--muted);margin-top:6px}fieldset.field{border:0;padding:0;margin:22px 0}input[type=radio],input[type=checkbox]{accent-color:var(--blue);transform:scale(1.12);margin-right:8px}.money-wrap{display:flex;border:1px solid #c8d4df;border-radius:9px;overflow:hidden;background:white;max-width:520px}.money-wrap:focus-within{outline:3px solid rgba(8,121,217,.13);border-color:var(--blue)}.money-wrap input{border:0;outline:0;font:inherit;width:100%;padding:12px 14px;font-weight:700;color:var(--ink)}.money-wrap b{padding:12px 14px;background:#f4f7f9;color:#5f7182;border-left:1px solid #dbe4ec}select{width:min(520px,100%);border:1px solid #c8d4df;border-radius:9px;padding:12px 14px;background:#fff;color:var(--ink);font:inherit}.split{display:grid;grid-template-columns:1fr 1fr;gap:24px}.statusbox{padding:12px 14px;border-radius:10px;margin:-6px 0 16px;font-weight:700}.statusbox.ok{background:var(--green2);color:var(--green)}.statusbox.bad{background:var(--red2);color:var(--red)}.actions{display:flex;justify-content:space-between;align-items:center;margin-top:32px;gap:12px}.primary,.ghost{border:0;border-radius:9px;padding:12px 20px;font-weight:800;cursor:pointer;font-size:1rem}.primary{background:var(--blue);color:white}.primary:hover{filter:brightness(.95)}.ghost{background:#eef5fa;color:#315b7b}.kft-card{background:#f5faff;border:1px solid #d6eafb;padding:16px 18px;border-radius:14px;margin-top:22px}.toggle{font-weight:800;color:var(--navy);display:flex;align-items:center}.advanced-grid{display:grid;grid-template-columns:2fr 1fr 2fr;gap:18px}details{margin-top:14px}summary{cursor:pointer;color:#315b7b;font-weight:700}.winner{border-radius:14px;padding:18px;margin-bottom:22px}.winner.good{background:var(--green2);border:1px solid #bcebd0}.winner.warn{background:var(--amber2);border:1px solid #efdc95}.winner h3{margin:0 0 5px;font-size:1.35rem}.table-wrap{overflow:auto}table{width:100%;border-collapse:separate;border-spacing:0;border:1px solid var(--line);border-radius:12px;overflow:hidden}th,td{text-align:left;padding:13px 14px;border-bottom:1px solid var(--line)}th{background:#f1f5f8;color:#38536b;font-size:.9rem}tbody tr:last-child td{border-bottom:0}tr.best{background:var(--green2)}.pill{display:inline-block;border-radius:999px;padding:5px 9px;font-size:.78rem;font-weight:800}.pill.good{background:#c9f1d9;color:#08773d}.pill.bad{background:#ffe0e3;color:#ae2632}.pill.mid{background:#ffefbb;color:#7b5700}.reasoning{margin:22px 0}.reasoning h3,.kft-detail h3{color:var(--navy)}.reasoning ul{padding-left:1.2rem}.reasoning li{margin:.45rem 0}.kft-detail{background:#f8fbfd;border:1px solid var(--line);border-radius:12px;padding:16px;margin:18px 0}.cta{display:flex;justify-content:space-between;align-items:center;gap:24px;background:#fff2f4;border:1px solid #f6d4da;border-radius:14px;padding:20px;margin-top:24px}.cta h3{margin:.25rem 0;color:var(--navy)}.cta p{margin:.3rem 0;color:var(--muted)}.linkbtn{text-decoration:none;white-space:nowrap}.sources{margin:28px 0 0;padding:20px 24px;color:#53697d;font-size:.9rem}.sources h3{color:var(--navy)}.sources a{color:var(--blue)}@media(max-width:760px){.shell{padding:10px}.hero{padding:10px}.steps{padding:12px 6px}.step{flex-direction:column;gap:3px;font-size:.78rem}.panel{padding:20px 16px}.panel-head{display:block}.split,.advanced-grid{grid-template-columns:1fr}.cta{display:block}.cta .linkbtn{display:inline-block;margin-top:12px}th,td{padding:11px 9px;font-size:.86rem}.actions{position:sticky;bottom:0;background:rgba(255,255,255,.94);padding:10px 0 2px}.hero h1{font-size:2rem}}
body.embed-mode{background:#fff}
body.embed-mode .shell{max-width:1080px;padding-top:8px;padding-bottom:8px}
body.embed-mode .hero,body.embed-mode .sources{display:none}
body.embed-mode .calculator{box-shadow:none;border-color:#e1e8ef}

.money-wrap.readonly{background:#f1f5f8;border-color:#d8e1e8}
.money-wrap.readonly input{background:#f1f5f8;color:#52687a;cursor:default}
.money-wrap.readonly b{background:#e8eef3}