*{box-sizing:border-box}
html,body{margin:0;padding:0;background:#0e1326;color:#e6ecff;font-family:Inter,system-ui,Segoe UI,Roboto,Arial,sans-serif}
.wrap{max-width:1100px;margin:0 auto;padding:0 16px}
.site-header{background:linear-gradient(135deg,#121a3a,#0b1530);color:#fff;padding:26px 0;border-bottom:1px solid #1d2855}
.site-header h1{margin:0;font-size:28px}
.subtitle{opacity:.8;margin-top:4px}
.site-footer{border-top:1px solid #1d2855;color:#95a0d4;background:#0b1020;padding:18px 0;margin-top:26px;font-size:14px}
.card{background:#11173a;border:1px solid #1d2855;border-radius:14px;padding:18px;color:#dfe6ff;box-shadow:0 10px 25px rgba(0,0,0,.2);margin-top:16px}
.inner{background:#0f1440}
.bullets{margin:8px 0 0 18px}
.scenario-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:12px;margin-top:12px}
.sc{background:#0d1440;border:1px solid #23338a;border-radius:12px;padding:12px;display:flex;flex-direction:column;gap:6px}
.sc .title{font-weight:700}
.sc .desc{opacity:.9;font-size:14px}
.btn{border-radius:10px;border:1px solid #3b5be7;background:#1b2aa0;color:#fff;padding:8px 12px;cursor:pointer;align-self:flex-start}
.link{color:#9fb4ff;text-decoration:none}
.grid-2{display:grid;grid-template-columns:1.2fr .8fr;gap:16px}
.kv{list-style:none;padding:0;margin:0}
.kv li{display:flex;justify-content:space-between;border-bottom:1px dashed #2b3a8c;padding:6px 0}
.kv span{opacity:.8}
.reasons{display:grid;gap:8px}
.reason{display:flex;justify-content:space-between;align-items:center;background:#0d1440;border:1px solid #23338a;border-radius:12px;padding:10px 12px}
.reason .bar{height:8px;background:#3b5be7;border-radius:6px;margin-left:8px;flex:1}
.reason .pct{width:56px;text-align:right}
.muted{opacity:.85}
.microtips{display:flex;gap:10px;flex-wrap:wrap;font-size:12px;opacity:.9;margin-top:8px}
.grid-2 form label{display:block;margin-bottom:8px;font-size:14px}
input[type=number]{width:100%;padding:10px;border-radius:10px;border:1px solid #33408a;background:#0c1442;color:#fff}
button#calc{margin-top:8px;padding:10px 14px;border-radius:10px;border:1px solid #3b5be7;background:#1b2aa0;color:#fff;cursor:pointer}
.result{background:#0d1440;border:1px solid #23338a;border-radius:12px;padding:12px}
.metric{display:flex;justify-content:space-between;margin:8px 0}
.note{font-size:12px;opacity:.8;margin-top:8px}
@media (max-width:880px){.grid-2{grid-template-columns:1fr}}