.et-scope{--et-saffron:#FF9933;--et-navy:#002868;--et-green:#00875A;--et-red:#BF0A30;--et-white:#fff;--et-bg:#F4F6FA;--et-border:#D0D9E8;--et-text:#1A1A2E;--et-muted:#6B7A99;--et-faint:#4D6666;--et-card:#fff;--et-r-sm:8px;--et-r-md:12px;--et-r-lg:16px;font-family:Inter,system-ui,-apple-system,sans-serif;color:var(--et-text);line-height:1.7;font-size:clamp(15px,1.4vw,17px)}
.et-scope *{box-sizing:border-box}
.et-scope h1,.et-scope h2,.et-scope h3{font-family:Montserrat,system-ui,sans-serif;line-height:1.25;color:var(--et-navy);font-weight:700}
.et-scope h2{font-size:clamp(1.4rem,2.6vw,2rem);margin:2.4em 0 .7em;padding-bottom:.3em;border-bottom:3px solid var(--et-saffron)}
.et-scope h3{font-size:clamp(1.1rem,2vw,1.35rem);margin:1.6em 0 .5em}
.et-scope p{margin:0 0 1.1em}
.et-scope a{color:var(--et-green);text-decoration:underline;text-underline-offset:2px}
.et-hero{background:linear-gradient(135deg,#002868 0%,#001a4d 55%,#BF0A30 100%);border-radius:var(--et-r-lg);padding:clamp(30px,4vw,46px) clamp(22px,4vw,48px) clamp(28px,4vw,40px);color:#fff;margin-bottom:34px}
.et-hero h1{color:#fff;font-size:clamp(1.7rem,4vw,2.6rem);margin:.35em 0 .3em;font-family:Montserrat,sans-serif}
.et-badge{display:inline-block;background:rgba(255,153,51,.22);color:#FFD9B3;border:1px solid rgba(255,153,51,.5);padding:5px 14px;border-radius:999px;font-size:.8rem;font-weight:600;letter-spacing:.03em}
.et-subtitle{font-size:clamp(1rem,1.8vw,1.2rem);color:#D6E0F5;max-width:56ch;margin:0 0 1.2em}
.et-pills{display:flex;flex-wrap:wrap;gap:9px}
.et-pill{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.22);color:#fff;padding:7px 13px;border-radius:999px;font-size:.83rem;font-weight:500}
.et-calc-wrapper{background:var(--et-card);border:1px solid var(--et-border);border-radius:var(--et-r-lg);padding:clamp(18px,3vw,30px);margin-bottom:34px;box-shadow:0 4px 22px rgba(0,40,104,.07)}
.et-calc-header h2{margin-top:0;border-bottom:none;padding-bottom:0}
.et-tabs{display:flex;flex-wrap:wrap;gap:8px;margin:8px 0 20px;border-bottom:2px solid var(--et-border);padding-bottom:0}
.et-tab{background:transparent;border:none;border-bottom:3px solid transparent;color:var(--et-muted);font-family:Montserrat,sans-serif;font-weight:600;font-size:.95rem;padding:10px 16px;cursor:pointer;margin-bottom:-2px;border-radius:var(--et-r-sm) var(--et-r-sm) 0 0}
.et-tab:hover{color:var(--et-navy);background:var(--et-bg)}
.et-tab.et-active{color:var(--et-navy);border-bottom-color:var(--et-saffron)}
.et-tabhint{font-size:.88rem;color:var(--et-faint);margin:-8px 0 18px}
.et-calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.et-inputs-panel{display:flex;flex-direction:column;gap:14px}
.et-field{display:flex;flex-direction:column;gap:5px}
.et-field label{font-weight:600;font-size:.9rem;color:var(--et-navy)}
.et-field .et-hint{font-size:.8rem;color:var(--et-faint);font-weight:400}
.et-input-group{display:flex;align-items:center;border:1.5px solid var(--et-border);border-radius:var(--et-r-sm);overflow:hidden;background:#fff}
.et-input-group:focus-within{border-color:var(--et-saffron);box-shadow:0 0 0 3px rgba(255,153,51,.15)}
.et-input-group .et-prefix{background:var(--et-bg);padding:11px 12px;color:var(--et-muted);font-weight:600;border-right:1px solid var(--et-border)}
.et-input-group input,.et-input-group select{border:none;outline:none;padding:11px 12px;font-size:1rem;width:100%;background:transparent;color:var(--et-text);font-family:inherit}
.et-field select{border:1.5px solid var(--et-border);border-radius:var(--et-r-sm);padding:11px 12px;font-size:1rem;background:#fff;color:var(--et-text);font-family:inherit}
.et-radio-row{display:flex;flex-wrap:wrap;gap:8px}
.et-radio-row label{display:flex;align-items:center;gap:6px;border:1.5px solid var(--et-border);border-radius:var(--et-r-sm);padding:8px 12px;cursor:pointer;font-weight:500;font-size:.9rem;flex:1;min-width:80px;justify-content:center}
.et-radio-row input{accent-color:var(--et-saffron)}
.et-radio-row label:has(input:checked){border-color:var(--et-saffron);background:rgba(255,153,51,.09);color:var(--et-navy);font-weight:600}
.et-checkrow{display:flex;align-items:flex-start;gap:8px;font-size:.88rem;color:#7A4208;line-height:1.4}
.et-checkrow input{accent-color:var(--et-saffron);width:17px;height:17px;flex:none;margin-top:2px}
.et-results-panel{display:flex;flex-direction:column;gap:16px}
.et-results-box{background:var(--et-navy);color:#fff;border-radius:var(--et-r-md);padding:22px 24px}
.et-results-box .et-res-label{font-size:.82rem;color:#B9C7E6;text-transform:uppercase;letter-spacing:.05em;margin-bottom:4px}
.et-results-box .et-res-main{font-size:clamp(1.6rem,3.4vw,2.3rem);font-weight:700;font-family:Montserrat,sans-serif;color:#fff;line-height:1.1}
.et-res-band{font-size:.95rem;color:#FFD9B3;margin-top:5px}
.et-res-sub{margin-top:14px;padding-top:14px;border-top:1px solid rgba(255,255,255,.16);display:grid;grid-template-columns:1fr 1fr;gap:10px}
.et-res-sub div span{display:block}
.et-res-sub .et-k{font-size:.78rem;color:#B9C7E6}
.et-res-sub .et-v{font-size:1.05rem;font-weight:600;color:#fff}
.et-verdict{background:rgba(0,135,90,.14);border:1px solid rgba(0,135,90,.4);border-radius:var(--et-r-sm);padding:12px 14px;font-size:.9rem;color:#063}
.et-chart-wrap{position:relative;height:300px;background:#fff;border:1px solid var(--et-border);border-radius:var(--et-r-md);padding:12px}
.et-chart-wrap canvas{max-width:100%}
.et-placeholder{color:var(--et-faint);text-align:center;padding:30px 10px;font-size:.92rem}
.et-calc-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:22px}
.et-btn-primary,.et-btn-secondary,.et-btn-wa{border:none;border-radius:var(--et-r-md);padding:13px 24px;font-size:1rem;font-weight:600;font-family:Montserrat,sans-serif;cursor:pointer}
.et-btn-primary{background:var(--et-saffron);color:#3d2400}
.et-btn-primary:hover{background:#f08a1f}
.et-btn-secondary{background:var(--et-navy);color:#fff}
.et-btn-secondary:hover{background:#001a4d}
.et-btn-wa{background:var(--et-green);color:#fff}
.et-btn-wa:hover{background:#06693f}
.et-section{margin-bottom:16px}
.et-table-wrap{overflow-x:auto;margin:1em 0 1.6em;border:1px solid var(--et-border);border-radius:var(--et-r-md)}
.et-table{width:100%;border-collapse:collapse;font-size:.92rem;min-width:460px}
.et-table th,.et-table td{padding:11px 14px;text-align:left;border-bottom:1px solid var(--et-border)}
.et-table th{background:var(--et-navy);color:#fff;font-family:Montserrat,sans-serif;font-weight:600;font-size:.85rem}
.et-table tr:nth-child(even) td{background:var(--et-bg)}
.et-table tr:last-child td{border-bottom:none}
.et-tips{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:14px;margin:1em 0}
.et-tip{background:var(--et-bg);border-left:4px solid var(--et-saffron);border-radius:0 var(--et-r-sm) var(--et-r-sm) 0;padding:15px 17px}
.et-tip h3{margin:0 0 .4em;font-size:1.02rem}
.et-tip p{margin:0;font-size:.92rem;color:var(--et-text)}
.et-faq{border:1px solid var(--et-border);border-radius:var(--et-r-sm);margin-bottom:9px;overflow:hidden;background:#fff}
.et-faq summary{padding:14px 18px;font-weight:600;cursor:pointer;color:var(--et-navy);font-family:Montserrat,sans-serif;font-size:.98rem;list-style:none}
.et-faq summary::-webkit-details-marker{display:none}
.et-faq summary::after{content:"+";float:right;font-size:1.3rem;color:var(--et-saffron);line-height:1}
.et-faq[open] summary::after{content:"−"}
.et-faq[open] summary{border-bottom:1px solid var(--et-border)}
.et-faq .et-faq-body{padding:14px 18px;font-size:.94rem;color:var(--et-text)}
.et-related{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:14px;margin:1em 0}
.et-related-card{display:block;border:1px solid var(--et-border);border-radius:var(--et-r-md);padding:16px 18px;text-decoration:none;color:var(--et-text);background:#fff;transition:transform .12s,box-shadow .12s}
.et-related-card:hover{transform:translateY(-2px);box-shadow:0 6px 18px rgba(0,40,104,.1);border-color:var(--et-saffron)}
.et-related-card .et-ico{font-size:1.5rem;display:block;margin-bottom:6px}
.et-related-card strong{display:block;color:var(--et-navy);font-family:Montserrat,sans-serif;font-size:1rem;margin-bottom:3px}
.et-related-card span.et-desc{font-size:.85rem;color:var(--et-muted)}
.et-legal{margin-top:34px;padding:20px 22px;background:var(--et-bg);border:1px solid var(--et-border);border-radius:var(--et-r-md);font-size:.86rem;color:var(--et-faint)}
.et-legal h3{font-size:1.05rem;margin-top:0}
.et-legal a{color:var(--et-green)}
.et-quickref{margin:1em 0}
[data-theme="dark"] .et-scope{--et-bg:#0f1626;--et-card:#161f33;--et-text:#E6ECF7;--et-border:#2a3650;--et-muted:#9AABCB;--et-faint:#A9BBD6;color:var(--et-text)}
[data-theme="dark"] .et-scope h1,[data-theme="dark"] .et-scope h2,[data-theme="dark"] .et-scope h3{color:#EAF0FB}
[data-theme="dark"] .et-input-group,[data-theme="dark"] .et-field select{background:#0f1626}
[data-theme="dark"] .et-input-group input,[data-theme="dark"] .et-field select{color:#E6ECF7}
[data-theme="dark"] .et-input-group .et-prefix{background:#1c2740}
[data-theme="dark"] .et-chart-wrap,[data-theme="dark"] .et-related-card,[data-theme="dark"] .et-faq{background:#161f33}
[data-theme="dark"] .et-table tr:nth-child(even) td{background:#1c2740}
[data-theme="dark"] .et-tip{background:#1c2740}
@media(max-width:768px){.et-calc-grid{grid-template-columns:1fr}}
@media(max-width:560px){.et-calc-actions{flex-direction:column}.et-btn-primary,.et-btn-secondary,.et-btn-wa{width:100%;flex:none;border-radius:var(--et-r-md);white-space:nowrap}.et-res-sub{grid-template-columns:1fr}}