*{margin:0;padding:0;box-sizing:border-box}body{font-family:-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Oxygen,Ubuntu,Cantarell,Fira Sans,Droid Sans,Helvetica Neue,sans-serif;color:#222;background-color:#fafafa}.container{max-width:1200px;margin:0 auto;padding:0 1rem}@media(min-width:768px){.container{padding:0 2rem}}.main-content{padding:2.5rem 0}@media(min-width:768px){.main-content{padding:4rem 0}}.page-title{font-size:2rem;font-weight:700;text-align:center;margin-bottom:1rem;color:#222}@media(min-width:768px){.page-title{font-size:2.5rem}}@media(min-width:1024px){.page-title{font-size:3rem}}.page-subtitle{font-size:1rem;text-align:center;color:#666;margin-bottom:2rem}@media(min-width:768px){.page-subtitle{font-size:1.125rem}}.section-title{font-size:1.5rem;font-weight:600;margin-bottom:1rem;color:#222}.section-subtitle{font-size:.875rem;color:#666;margin-bottom:1.5rem}.calcCard{background:#fff;border:2px solid #e6f0f9;border-radius:.5rem;overflow:hidden;box-shadow:0 1px 3px 0 rgba(0,0,0,.1)}.calcCard__header{background:#e6f0f9;padding:1.5rem;border-bottom:2px solid #e6f0f9}.calcCard__content{padding:1.5rem}.calcCard__title{font-size:1.25rem;font-weight:600;margin-bottom:.5rem;color:#222}.calcCard__description{font-size:.875rem;color:#666}.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;padding:.75rem 1.5rem;border-radius:.375rem;font-size:.875rem;font-weight:500;text-decoration:none;border:none;cursor:pointer;transition:all .2s ease-in-out}.btn:disabled{opacity:.5;cursor:not-allowed}.btn--primary{background-color:#153f70;color:#fff}.btn--primary:hover:not(:disabled){background-color:#072e5f}.btn--secondary{background-color:#e6f0f9;color:#153f70}.btn--secondary:hover:not(:disabled){background-color:#d1e4f4}.btn--full-width{width:100%}.form__group{margin-bottom:1.5rem}.form__label{display:block;font-size:.875rem;font-weight:500;margin-bottom:.5rem;color:#222}.form__input{width:100%;padding:.75rem;border:1px solid #e1e5e9;border-radius:.375rem;font-size:.875rem;transition:border-color .2s ease-in-out}.form__input:focus{outline:none;border-color:#153f70;box-shadow:0 0 0 3px rgba(10,57,119,.1)}.form__input::placeholder{color:#888}.form__input--with-icon{padding-left:2.5rem}.form__select{width:100%;border:1px solid #e1e5e9;border-radius:.375rem;font-size:.875rem;transition:border-color .2s ease-in-out;background-image:url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' fill='none' viewBox='0 0 20 20'%3e%3cpath stroke='%236b7280' stroke-linecap='round' stroke-linejoin='round' stroke-width='1.5' d='m6 8 4 4 4-4'/%3e%3c/svg%3e");background-position:right .5rem center;background-repeat:no-repeat;background-size:1.5em 1.5em;padding:.75rem 2.5rem .75rem .75rem;-webkit-appearance:none;-moz-appearance:none;appearance:none}.form__select:focus{outline:none;border-color:#153f70;box-shadow:0 0 0 3px rgba(10,57,119,.1)}.form__select::placeholder{color:#888}.form__description{color:#888}.form__description,.form__error{font-size:.75rem;margin-top:.25rem}.form__error{color:#ef4444}.form__icon{position:absolute;left:.75rem;top:50%;transform:translateY(-50%);color:#666;font-size:.875rem;font-weight:500}.form__input-wrapper{position:relative}.switch{display:flex;align-items:center;justify-content:space-between;padding:1rem;border:1px solid #e1e5e9;border-radius:.5rem}.switch__content{flex:1 1}.switch__label{font-size:1rem;font-weight:500;margin-bottom:.25rem;color:#222}.switch__description{font-size:.875rem;color:#666}.switch__toggle{width:2.75rem;height:1.5rem;background-color:#e1e5e9;border-radius:.75rem;position:relative;cursor:pointer;transition:background-color .2s ease-in-out}.switch__toggle.active{background-color:#153f70}.switch__toggle:after{content:"";position:absolute;top:.125rem;left:.125rem;width:1.25rem;height:1.25rem;background-color:#fff;border-radius:50%;transition:transform .2s ease-in-out}.switch__toggle.active:after{transform:translateX(1.25rem)}.tabs__list{grid-template-columns:1fr 1fr}.tabs__list,.tabs__listCalculator{display:grid;background-color:#e6f0f9;border-radius:.375rem;padding:.25rem;margin-bottom:1.5rem}.tabs__listCalculator{grid-template-columns:1fr}.tabs__trigger{padding:.75rem 1rem;font-size:.875rem;font-weight:500;border:none;background:transparent;border-radius:.25rem;cursor:pointer;transition:all .2s ease-in-out;color:#666}.tabs__trigger.active{background-color:#153f70;color:#fff}.tabs__content{margin-top:1.5rem}.grid{display:grid;grid-gap:2rem;gap:2rem}@media(min-width:768px){.grid--two-cols{grid-template-columns:1fr 1fr}}.grid--large-gap{gap:3rem}.results__final-value{text-align:center;margin-bottom:2rem}.results__final-value .label{font-size:.875rem;font-weight:500;color:#666;margin-bottom:.5rem}.results__final-value .value{font-size:2.5rem;font-weight:700;color:#153f70}.results__breakdown .title{font-size:1rem;font-weight:500;margin-bottom:1rem;color:#222}.results__item{display:flex;justify-content:space-between;align-items:center;padding:.5rem 0;font-size:.875rem;border-bottom:1px solid #f0f2f4}.results__item:last-child{border-bottom:none}.results__item--highlight{font-weight:500;padding-top:1rem;border-top:1px solid #e1e5e9}.results__item .label{display:flex;align-items:center;gap:.5rem;color:#222}.results__item .value{font-weight:500;color:#222}.results__item .value--positive{color:#10b981}.results__item .value--negative{color:#ef4444}.tooltip{position:relative;display:inline-block}.tooltip__trigger{width:1rem;height:1rem;color:#888;cursor:help}.tooltip__content{bottom:125%;background-color:#222;color:#fff;padding:.5rem;border-radius:.25rem;font-size:.75rem;white-space:nowrap;opacity:0;visibility:hidden;transition:opacity .2s ease-in-out;z-index:10}.tooltip__content,.tooltip__content:after{position:absolute;left:50%;transform:translateX(-50%)}.tooltip__content:after{content:"";top:100%;border:4px solid transparent;border-top-color:#222}.tooltip:hover .tooltip__content{opacity:1;visibility:visible}.accordion__item{border-bottom:1px solid #e1e5e9}.accordion__item:last-child{border-bottom:none}.accordion__trigger{width:100%;padding:1rem 0;background:none;border:none;text-align:left;font-size:1rem;font-weight:500;color:#222;cursor:pointer;display:flex;justify-content:space-between;align-items:center;transition:color .2s ease-in-out}.accordion__trigger:hover{color:#153f70}.accordion__trigger:after{content:"+";font-size:1.25rem;transition:transform .2s ease-in-out}.accordion__trigger.active:after{transform:rotate(45deg)}.accordion__content{padding-bottom:1rem;color:#666}.accordion__content ul{margin:1rem 0;padding-left:1.5rem}.accordion__content ul li{margin-bottom:.5rem}.accordion__content strong{color:#222}.text-center{text-align:center}.mb-2{margin-bottom:.5rem}.mb-4{margin-bottom:1rem}.mb-6{margin-bottom:1.5rem}.mt-6{margin-top:1.5rem}.space-y-2>*+*{margin-top:.5rem}.space-y-4>*+*{margin-top:1rem}.space-y-6>*+*{margin-top:1.5rem}.space-y-8>*+*{margin-top:2rem}@media(max-width:767px){.grid--two-cols{grid-template-columns:1fr}.results__final-value .value{font-size:2rem}}