*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:#f4f6f9;color:#172235;font:16px/1.55 Arial,Helvetica,sans-serif}.wrap{width:min(1160px,calc(100% - 36px));margin-inline:auto}.site-header{background:#0B1F3A;color:#fff}.topbar{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:20px;padding:12px max(18px,calc((100vw - 1160px)/2))}.brand{color:#fff;text-decoration:none;display:flex;align-items:center;gap:12px}.brand-mark{width:44px;height:44px;background:#C62828;display:grid;place-items:center;font-weight:800;font-size:18px;border-radius:4px}.brand strong,.brand small{display:block;line-height:1.25;letter-spacing:.06em}.brand strong{font-size:15px}.brand small{font-size:10px;color:#c4cfdd;margin-top:4px}.top-contact{text-align:right;line-height:1.3}.top-contact span{display:block;font-size:10px;color:#c4cfdd;letter-spacing:.11em}.top-contact a{color:white;text-decoration:none;font-weight:700}.mainnav{display:flex;justify-content:center;gap:clamp(16px,3vw,42px);background:#C62828;padding:12px 16px;flex-wrap:wrap}.mainnav a{font-size:11px;font-weight:700;color:#fff;text-decoration:none;letter-spacing:.04em}.hero{padding:58px 0 46px}.eyebrow{font-size:11px;font-weight:800;letter-spacing:.13em;color:#C62828}.hero h1{font-size:clamp(34px,5vw,54px);line-height:1.08;letter-spacing:-.035em;color:#0B1F3A;margin:12px 0}.hero-lede{max-width:780px;font-size:19px;color:#455266;margin:0 0 22px}.hero-pills{display:flex;gap:9px;flex-wrap:wrap;margin:0 0 24px}.hero-pills span{border:1px solid #d6dde7;border-radius:999px;padding:7px 13px;font-size:12px;color:#455266;background:#fff}.button{border:0;border-radius:5px;padding:12px 17px;font-weight:700;text-decoration:none;display:inline-flex;align-items:center;justify-content:center;gap:8px;font-size:14px;cursor:pointer;transition:transform .15s,background .15s}.button:hover{transform:translateY(-1px)}.button.red{background:#C62828;color:#fff}.button.dark{background:#263340;color:#fff}.button.outline{border:1px solid #cbd3de;color:#263340;background:#fff}.calculator{padding:28px 0 48px}.section-heading,.result-title,.table-heading{display:flex;justify-content:space-between;gap:20px;align-items:flex-start}.section-heading{margin-bottom:18px}.section-heading h2,.result-title h2,.table-heading h2{margin:5px 0;color:#0B1F3A;font-size:26px;line-height:1.2}.section-heading p{margin:7px 0 0;color:#596579;max-width:760px}.updated{padding:9px 13px;border-radius:6px;background:#e9edf2;color:#536174;white-space:nowrap;font-size:12px}.updated strong{color:#0B1F3A}.calc-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:18px;align-items:start}.input-card,.results-card,.table-card{background:#fff;border:1px solid #e1e6ed;border-radius:10px;box-shadow:0 4px 18px rgba(11,31,58,.045)}.input-card{padding:22px}.field-grid{display:grid;grid-template-columns:1fr 1fr;gap:15px 14px}.field{display:block;min-width:0}.field>span:first-child{display:block;font-size:13px;font-weight:700;color:#27344a;margin-bottom:6px}.field.wide{grid-column:1/-1}.field small{display:block;color:#6d7889;font-size:11px;line-height:1.4;margin-top:5px}.input-wrap{border:1px solid #cfd7e1;border-radius:5px;display:flex;align-items:center;background:#fff;min-height:45px;padding:0 11px;gap:8px;color:#6d7889}.input-wrap:focus-within{border-color:#315c8d;box-shadow:0 0 0 3px rgba(49,92,141,.12)}.input-wrap input{font:inherit;font-weight:600;color:#16243a;border:0;outline:0;width:100%;min-width:0;background:transparent}.input-wrap input::-webkit-inner-spin-button,.input-wrap input::-webkit-outer-spin-button{margin:0}.input-wrap span{font-size:12px;white-space:nowrap}.form-note{display:flex;gap:10px;align-items:flex-start;background:#f1f5f9;border-left:3px solid #315c8d;padding:12px;margin-top:18px;color:#4e5c6f;font-size:12px;line-height:1.5}.note-icon{display:grid;place-items:center;width:18px;height:18px;flex:0 0 18px;border-radius:50%;background:#315c8d;color:white;font-weight:700;font-size:12px}.error{background:#fff0f0;border:1px solid #e5a5a5;border-radius:5px;color:#8f1f1f;padding:10px;margin-top:12px;font-size:13px}.results-card{padding:22px;position:sticky;top:14px}.result-title{align-items:center}.result-title h2{font-size:22px}.live-tag{font-size:11px;color:#687486;display:flex;align-items:center;gap:6px;white-space:nowrap}.live-tag i{height:7px;width:7px;border-radius:50%;background:#23845a;display:inline-block}.primary-result{background:#0B1F3A;color:#fff;border-radius:8px;padding:19px;margin:18px 0}.primary-result span,.primary-result small{display:block;color:#ccd6e2;font-size:12px}.primary-result strong{display:block;font-size:38px;line-height:1.15;margin:7px 0}.metric-grid{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:#e6e9ee;border:1px solid #e6e9ee;border-radius:7px;overflow:hidden}.metric{background:#fff;padding:13px}.metric span{display:block;color:#687486;font-size:11px}.metric strong{display:block;color:#0B1F3A;font-size:19px;margin-top:4px}.progress-block{padding:17px 0 13px}.progress-label,.progress-meta{display:flex;justify-content:space-between;gap:12px}.progress-label{font-size:12px;color:#536174}.progress-label strong{color:#0B1F3A}.progress-track{height:9px;background:#e8ecf1;border-radius:999px;overflow:hidden;margin:8px 0}.progress-fill{height:100%;width:0;background:#C62828;border-radius:999px;transition:width .3s}.progress-meta{font-size:11px;color:#687486}.progress-meta b{color:#263340}.results-actions{display:flex;flex-wrap:wrap;gap:8px;margin-top:7px}.results-actions .button{font-size:12px;padding:10px 12px}.fine-print{font-size:10px;color:#7c8797;line-height:1.45;margin:12px 0 0}.status{min-height:18px;color:#31694d;font-size:11px;margin-top:4px}.table-card{margin-top:18px;padding:22px}.table-heading{align-items:end;margin-bottom:12px}.table-heading h2{font-size:20px}.table-heading>span{font-size:11px;color:#758092}.table-scroll{overflow-x:auto}table{width:100%;border-collapse:collapse;font-size:12px;min-width:700px}th{background:#f1f4f8;text-align:left;color:#3d4a5c;font-size:11px;padding:11px 10px}td{border-bottom:1px solid #e8ecf0;padding:11px 10px;color:#354358}tbody tr:last-child td{border-bottom:0}.content{padding:10px 0 64px}.content-main{max-width:850px}.content h2{font-size:29px;line-height:1.2;color:#0B1F3A;margin:8px 0 12px}.content h3{font-size:19px;color:#0B1F3A;margin:28px 0 6px}.content p{color:#455266;margin:0 0 13px}.source-box,.disclaimer{border-radius:8px;padding:17px 20px;margin-top:22px}.source-box{background:#fff;border:1px solid #dfe5ec}.source-box ul{margin:10px 0 8px;padding-left:19px}.source-box li{margin:5px 0}.source-box a{color:#174a7e}.source-box small{color:#748093}.disclaimer{background:#fceeee;border-left:4px solid #C62828}.disclaimer p{font-size:13px;margin:5px 0 0}.site-footer{background:#0B1F3A;color:#fff;padding:24px 0}.footer-inner{display:flex;justify-content:space-between;gap:18px;align-items:center;flex-wrap:wrap}.footer-inner p{margin:3px 0 0;color:#c1ccda;font-size:12px}.footer-inner a{color:white;font-weight:700}.footer-inner span{font-size:11px;color:#c1ccda}.print-only{display:none}@media(max-width:900px){.calc-grid{grid-template-columns:1fr}.results-card{position:static}.section-heading{display:block}.updated{display:inline-block;margin-top:10px}}@media(max-width:600px){.wrap{width:min(100% - 24px,1160px)}.topbar{min-height:66px;padding:10px 12px}.brand-mark{width:38px;height:38px}.brand strong{font-size:13px}.top-contact a{font-size:13px}.mainnav{justify-content:flex-start;gap:16px;overflow:auto;flex-wrap:nowrap;white-space:nowrap;padding:11px 12px}.mainnav a{font-size:10px}.hero{padding:38px 0 25px}.hero-lede{font-size:16px}.hero-pills span{font-size:10px;padding:6px 9px}.calculator{padding-top:20px}.section-heading h2{font-size:23px}.input-card,.results-card,.table-card{padding:16px}.field-grid{grid-template-columns:1fr;gap:13px}.field.wide{grid-column:auto}.result-title{align-items:flex-start}.live-tag{font-size:10px}.primary-result strong{font-size:34px}.metric{padding:11px}.metric strong{font-size:17px}.results-actions{display:grid;grid-template-columns:1fr 1fr}.results-actions .button{min-height:40px}.table-heading{display:block}.table-heading>span{display:block;margin-top:5px}.footer-inner{display:block}.footer-inner>*{margin:7px 0}.content h2{font-size:25px}}@media print{body{background:#fff}.site-header,.hero .button,.input-card,.results-actions,.content,.site-footer,.updated,.live-tag{display:none!important}.wrap{width:100%;margin:0}.hero{padding:0 0 12px}.hero h1{font-size:24px}.hero-pills{display:none}.calculator{padding:0}.calc-grid{display:block}.results-card,.table-card{box-shadow:none;border:1px solid #bbb;break-inside:avoid}.results-card{position:static}.primary-result{background:#0B1F3A!important;color:white!important;-webkit-print-color-adjust:exact;print-color-adjust:exact}.table-card{margin-top:10px}th{background:#eee!important;-webkit-print-color-adjust:exact;print-color-adjust:exact}.table-scroll{overflow:visible}table{min-width:0;font-size:9px}.table-heading h2{font-size:15px}}
/* V2 accuracy, accessible error visibility, mobile reading */
.input-wrap select{width:100%;font:inherit;font-weight:600;border:0;color:#16243a;background:white;min-height:42px;outline:0}
.result-warning{border:1px solid #edc7a1;background:#fff7e9;color:#744006;padding:12px 13px;border-radius:7px;margin:14px 0 8px;font-size:12px;line-height:1.5}
.result-warning strong{display:block;margin-bottom:3px}
.result-warning ul{padding-left:17px;margin:4px 0 0}
.faq-block{margin-top:12px}
.faq-block details{border-bottom:1px solid #dfe5ec;background:#fff;padding:13px}
.faq-block summary{font-weight:700;color:#0B1F3A;cursor:pointer}
.faq-block p{margin:8px 0 0}
.result-subline{font-size:11px;color:#dae3ed}
.results-actions button:disabled{opacity:.6;cursor:not-allowed;transform:none}
.top-contact a{white-space:nowrap}
@media(max-width:600px){.primary-result strong{font-size:clamp(27px,8vw,34px)}.metric strong{overflow-wrap:anywhere}.result-title{flex-wrap:wrap}.result-title h2{font-size:21px}.hero{padding-top:30px}}
@media print{.result-warning{display:block!important;border:1px solid #888!important;background:white!important;color:#000!important}.faq-block{display:none}.results-actions{display:none!important}.primary-result{background:#0B1F3A!important}}

.print-disclosure{display:none}
@media print{.print-disclosure{display:block;font-size:10px;color:#444;margin:16px 0 3px;line-height:1.45}.table-card{break-inside:auto}.results-card{break-inside:avoid}.hero{break-after:avoid}}