*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
:root {
  --brand: #1b4f8a;
  --brand-dark: #0f2f55;
  --brand-light: #dbeafe;
  --gold: #f59e0b;
  --success: #16a34a;
  --success-light: #dcfce7;
  --text: #111827;
  --muted: #6b7280;
  --border: #e5e7eb;
  --bg: #f8fafc;
  --radius: 12px;
}
body { font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif; color: var(--text); background: var(--bg); font-size: 16px; line-height: 1.65; }

header { background: linear-gradient(135deg, var(--brand-dark) 0%, var(--brand) 100%); color: white; padding-top: 52px; padding-bottom: 84px; padding-left: 20px; padding-right: 20px; text-align: center; }
header .flag { font-size: 2rem; margin-bottom: 12px; display: block; }
header h1 { font-size: clamp(1.4rem, 4vw, 2.1rem); font-weight: 800; margin-bottom: 12px; }
header p { color: rgba(255,255,255,.9); font-size: 1rem; max-width: 600px; margin: 0 auto; }

.container { max-width: 820px; margin: 0 auto; padding-left: 20px; padding-right: 20px; }

.tool-wrapper { margin: -52px auto 56px; position: relative; z-index: 10; }

nav.crossnav { max-width: 820px; margin: 0 auto; padding: 14px 20px 0; display: flex; flex-wrap: wrap; gap: 8px 16px; }
nav.crossnav a { color: rgba(255,255,255,.85); text-decoration: none; font-size: 0.85rem; font-weight: 600; }
nav.crossnav a:hover { color: white; text-decoration: underline; }

.tab-nav { display: flex; gap: 0; background: white; border-radius: var(--radius) var(--radius) 0 0; border: 1px solid var(--border); border-bottom: none; overflow-x: auto; }
.tab-btn { flex: 1; padding: 14px 16px; background: none; border: none; font-size: 0.98rem; font-weight: 600; cursor: pointer; color: var(--muted); border-bottom: 3px solid transparent; transition: all .15s; white-space: nowrap; }
.tab-btn.active { color: var(--brand); border-bottom-color: var(--brand); background: #f0f6ff; }
.tab-btn:hover:not(.active) { background: #f9fafb; }

.tool-card { background: white; border-radius: 0 0 var(--radius) var(--radius); box-shadow: 0 8px 32px rgba(0,0,0,0.1); border: 1px solid var(--border); padding: 32px 28px; }

.tab-panel { display: none; }
.tab-panel.active { display: block; }

.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
@media (max-width: 580px) { .form-grid { grid-template-columns: 1fr; } .tool-card { padding: 20px 16px; } .tab-nav { flex-wrap: nowrap; } .tab-btn { flex: 0 0 auto; } }
.form-group { display: flex; flex-direction: column; gap: 6px; }
.form-group.full { grid-column: 1 / -1; }
label { font-size: 0.9rem; font-weight: 700; color: var(--muted); text-transform: uppercase; letter-spacing: .4px; }
label span { font-weight: 400; text-transform: none; font-size: 0.85rem; }
input[type=number], select {
  border: 2px solid var(--border); border-radius: 8px; padding: 12px 14px;
  font-size: 1rem; color: var(--text); background: white; width: 100%;
  transition: border-color .2s; -moz-appearance: textfield;
}
input[type=number]:focus, select:focus { outline: none; border-color: var(--brand); }
input[type=number]::-webkit-inner-spin-button { -webkit-appearance: none; }

.radio-group { display: flex; gap: 10px; flex-wrap: wrap; }
.radio-opt { flex: 1; min-width: 140px; }
.radio-opt input { display: none; }
.radio-opt label {
  display: flex; align-items: center; gap: 8px; padding: 11px 14px;
  border: 2px solid var(--border); border-radius: 8px; cursor: pointer;
  font-size: 0.98rem; font-weight: 600; color: var(--text); text-transform: none; letter-spacing: 0;
  transition: all .15s;
}
.radio-opt input:checked + label { border-color: var(--brand); background: #eff6ff; color: var(--brand); }

.calc-btn {
  width: 100%; margin-top: 22px; padding: 16px;
  background: var(--brand); color: white; border: none; border-radius: 10px;
  font-size: 1.05rem; font-weight: 700; cursor: pointer; transition: background .2s;
}
.calc-btn:hover { background: var(--brand-dark); }

.result { margin-top: 24px; display: none; }
.result-hero { background: linear-gradient(135deg, #1b4f8a 0%, #1d6fa8 100%); color: white; border-radius: 10px; padding: 24px; text-align: center; margin-bottom: 16px; }
.result-hero .r-label { font-size: 0.88rem; font-weight: 700; text-transform: uppercase; letter-spacing: .5px; opacity: .8; margin-bottom: 4px; }
.result-hero .r-amount { font-size: 2.4rem; font-weight: 900; }
.result-hero .r-sub { font-size: 0.98rem; opacity: .85; margin-top: 4px; }
.result-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; }
@media (max-width: 480px) { .result-grid { grid-template-columns: 1fr 1fr; } }
.r-stat { background: #f8fafc; border: 1px solid var(--border); border-radius: 8px; padding: 14px; text-align: center; }
.r-stat .sv { font-size: 1.2rem; font-weight: 800; color: var(--brand); }
.r-stat .sl { font-size: 0.82rem; color: var(--muted); margin-top: 2px; line-height: 1.3; }
.result-note { background: #eff6ff; border-left: 4px solid var(--brand); border-radius: 0 8px 8px 0; padding: 12px 16px; margin-top: 14px; font-size: 0.95rem; color: #1e3a8a; }

.content { padding-bottom: 64px; }
h2.section-title { font-size: 1.3rem; font-weight: 800; margin: 52px 0 18px; }
h3.sub { font-size: 1rem; font-weight: 700; margin: 24px 0 10px; }
p { color: #374151; margin-bottom: 14px; line-height: 1.75; }

.table-wrap { overflow-x: auto; margin: 20px 0; }
.igak-table { width: 100%; border-collapse: collapse; font-size: 0.95rem; min-width: 480px; }
.igak-table th { background: var(--brand); color: white; padding: 10px 14px; text-align: left; font-weight: 600; }
.igak-table td { padding: 10px 14px; border-bottom: 1px solid var(--border); }
.igak-table tr:nth-child(even) td { background: #f8faff; }
.highlight-pct { font-weight: 800; color: var(--brand); }

.steps { display: grid; grid-template-columns: repeat(auto-fit, minmax(190px, 1fr)); gap: 14px; margin: 20px 0; }
.step { background: white; border: 1px solid var(--border); border-radius: var(--radius); padding: 18px; }
.step-n { width: 30px; height: 30px; background: var(--brand); color: white; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-weight: 800; font-size: 0.95rem; margin-bottom: 10px; }
.step h4 { font-size: 0.98rem; font-weight: 700; margin-bottom: 6px; }
.step p { font-size: 0.9rem; color: var(--muted); margin: 0; }

.cta-box { background: #0f2f55; color: white; border-radius: var(--radius); padding: 36px 32px; margin: 52px 0; }
.cta-box h2 { color: white; font-size: 1.3rem; margin-bottom: 14px; }
.cta-box p { color: rgba(255,255,255,.88); }
.cta-box ul { padding-left: 20px; margin-bottom: 18px; }
.cta-box li { color: rgba(255,255,255,.88) !important; margin-bottom: 8px; }
.cta-btn { display: inline-block; background: var(--gold); color: #111827; text-decoration: none; padding: 14px 28px; border-radius: 8px; font-weight: 800; font-size: 1rem; margin-top: 8px; transition: opacity .15s; }
.cta-btn:hover { opacity: .9; }
.cta-link { color: #93c5fd; text-decoration: underline; }

.index-formula { background: #f1f5f9; border-radius: 8px; padding: 16px 20px; font-family: monospace; font-size: 1rem; margin: 16px 0; color: var(--brand-dark); border-left: 4px solid var(--brand); }

.disclaimer-box { background: #fffbeb; border: 1px solid #fde68a; border-left: 4px solid var(--gold); border-radius: 0 8px 8px 0; padding: 16px 20px; margin: 20px 0; font-size: 0.92rem; color: #78350f; }
.disclaimer-box strong { color: #78350f; }
.last-verified { font-size: 0.8rem; color: var(--muted); margin-top: 8px; }

.faq-item { border-bottom: 1px solid var(--border); }
.faq-q { width: 100%; background: none; border: none; text-align: left; padding: 18px 0; font-size: 1.02rem; font-weight: 600; cursor: pointer; display: flex; justify-content: space-between; align-items: center; color: var(--text); }
.faq-q::after { content: '+'; font-size: 1.3rem; color: var(--brand); flex-shrink: 0; margin-left: 12px; }
.faq-q.open::after { content: '−'; }
.faq-a { display: none; padding: 0 0 16px; font-size: 0.98rem; color: #4b5563; line-height: 1.75; }
.faq-a.open { display: block; }
.faq-a a { color: var(--brand); }

footer { background: #111827; color: #9ca3af; text-align: center; padding: 32px 20px; font-size: 0.92rem; }
footer p { color: #9ca3af; margin-bottom: 6px; }
footer a { color: #d1d5db; }