:root{color-scheme:light;--bg-start: #f4f9ff;--bg-end: #f8f8f8;--panel-bg: #ffffff;--text: #10213a;--muted: #536278;--border: #d6dee8;--accent: #1f6feb;--accent-soft: #e9f2ff;--good: #146c2e;--warn: #8a2f00;--warn-bg: #fff3eb}*{box-sizing:border-box}body{margin:0;font-family:Segoe UI,Avenir Next,Helvetica Neue,Arial,sans-serif;color:var(--text);background:linear-gradient(145deg,var(--bg-start),var(--bg-end));min-height:100vh}.page{width:min(100%,980px);margin:0 auto;padding:32px 16px}.panel{background:var(--panel-bg);border:1px solid var(--border);border-radius:12px;padding:22px;box-shadow:0 8px 24px #10213a0f}.header h1{margin:6px 0 8px;font-size:clamp(1.25rem,2vw,1.8rem)}.eyebrow{margin:0;text-transform:uppercase;letter-spacing:.08em;color:var(--accent);font-size:.72rem;font-weight:700}.subtitle{margin:0;color:var(--muted);line-height:1.45}.presets{display:flex;gap:8px;margin:18px 0;flex-wrap:wrap}.preset{border:1px solid var(--border);border-radius:999px;padding:6px 12px;background:#fff;color:var(--text);cursor:pointer;font-size:.86rem}.preset:hover{border-color:var(--accent)}.preset.is-active{background:var(--accent-soft);border-color:var(--accent);color:#0c3478}.grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}.field{display:block}.field span{display:inline-block;margin:0 0 6px;font-size:.87rem;color:var(--muted)}input,select{width:100%;height:42px;border:1px solid var(--border);border-radius:8px;padding:8px 10px;color:var(--text);background:#fff;font-size:.95rem}input:focus,select:focus{outline:none;border-color:var(--accent);box-shadow:0 0 0 3px #1f6feb1f}.checks{margin-top:14px;display:grid;gap:8px}.checks label{display:flex;align-items:center;gap:9px;font-size:.9rem;color:var(--text)}.checks input[type=checkbox]{width:16px;height:16px}.results{margin-top:18px;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}.result-card{border:1px solid var(--border);border-radius:10px;padding:14px;background:#fff}.result-card h2{margin:0 0 10px;font-size:1rem}.line{display:flex;justify-content:space-between;gap:12px;padding:5px 0;font-size:.9rem}.line strong{text-align:right}.line.total{margin-top:2px;padding-top:8px;border-top:1px dashed var(--border);font-size:.96rem}#annualSavings{color:var(--good)}.note,.footnote{margin:10px 0 0;color:var(--muted);font-size:.8rem;line-height:1.35}.guidance{margin:12px 0 0;padding:10px 12px;border-radius:8px;background:#f4f8ff;color:var(--muted);font-size:.86rem;line-height:1.35}.guidance.warn{background:var(--warn-bg);color:var(--warn)}.footnote{margin-top:14px}@media(max-width:760px){.grid,.results{grid-template-columns:1fr}.panel{padding:16px}}