.io-scope{--io-teal:#0E7490;--io-navy:#002868;--io-green:#00875A;--io-red:#BF0A30;--io-purple:#5B2A86;--io-white:#fff;--io-bg:#F4F6FA;--io-border:#D0D9E8;--io-text:#1A1A2E;--io-muted:#6B7A99;--io-faint:#4D6666;--io-card:#fff;--io-r-sm:8px;--io-r-md:12px;--io-r-lg:16px;font-family:Inter,system-ui,-apple-system,sans-serif;color:var(--io-text);line-height:1.7;font-size:clamp(15px,1.4vw,17px)}
.io-scope *{box-sizing:border-box}
.io-scope h1,.io-scope h2,.io-scope h3{font-family:Montserrat,system-ui,sans-serif;line-height:1.25;color:var(--io-navy);font-weight:700}
.io-scope h2{font-size:clamp(1.4rem,2.6vw,2rem);margin:2.4em 0 .7em;padding-bottom:.3em;border-bottom:3px solid var(--io-green)}
.io-scope h3{font-size:clamp(1.1rem,2vw,1.35rem);margin:1.6em 0 .5em}
.io-scope p{margin:0 0 1.1em}
.io-scope a{color:var(--io-green);text-decoration:underline;text-underline-offset:2px}
.io-hero{background:linear-gradient(135deg,#002868 0%,#0A5A4A 55%,#00875A 100%);border-radius:var(--io-r-lg);padding:clamp(30px,4vw,46px) clamp(22px,4vw,48px) clamp(28px,4vw,40px);color:#fff;margin-bottom:34px}
.io-hero h1{color:#fff;font-size:clamp(1.5rem,3.4vw,2.4rem);margin:.35em 0 .3em;font-family:Montserrat,sans-serif}
.io-badge{display:inline-block;background:rgba(0,135,90,.34);color:#A5E8CF;border:1px solid rgba(0,135,90,.6);padding:5px 14px;border-radius:999px;font-size:.8rem;font-weight:600;letter-spacing:.03em}
.io-subtitle{font-size:clamp(1rem,1.8vw,1.2rem);color:#CDEEE2;max-width:64ch;margin:0 0 1.2em}
.io-pills{display:flex;flex-wrap:wrap;gap:9px}
.io-pill{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.26);color:#fff;padding:7px 13px;border-radius:999px;font-size:.83rem;font-weight:500}
.io-calc-wrapper{background:var(--io-card);border:1px solid var(--io-border);border-radius:var(--io-r-lg);padding:clamp(18px,3vw,30px);margin-bottom:34px;box-shadow:0 4px 22px rgba(0,40,104,.07)}
.io-calc-header h2{margin-top:0;border-bottom:none;padding-bottom:0}
.io-tabhint{font-size:.88rem;color:var(--io-faint);margin:-8px 0 18px}
.io-calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.io-inputs-panel{display:flex;flex-direction:column;gap:14px}
.io-grid2{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.io-field{display:flex;flex-direction:column;gap:5px}
.io-field label{font-weight:600;font-size:.9rem;color:var(--io-navy)}
.io-field .io-hint{font-size:.8rem;color:var(--io-faint);font-weight:400}
.io-input-group{display:flex;align-items:center;border:1.5px solid var(--io-border);border-radius:var(--io-r-sm);overflow:hidden;background:#fff}
.io-input-group:focus-within{border-color:var(--io-green);box-shadow:0 0 0 3px rgba(0,135,90,.15)}
.io-input-group .io-prefix{background:var(--io-bg);padding:11px 10px;color:var(--io-muted);font-weight:600;border-right:1px solid var(--io-border);font-size:.8rem;white-space:nowrap;min-width:82px}
.io-input-group input{border:none;outline:none;padding:11px 12px;font-size:1rem;width:100%;background:transparent;color:var(--io-text);font-family:inherit}
.io-results-panel{display:flex;flex-direction:column;gap:16px}
.io-results-box{background:var(--io-navy);color:#fff;border-radius:var(--io-r-md);padding:22px 24px}
.io-results-box .io-res-label{font-size:.82rem;color:#B9C7E6;text-transform:uppercase;letter-spacing:.05em;margin-bottom:4px}
.io-results-box .io-res-main{font-size:clamp(1.7rem,4vw,2.5rem);font-weight:700;font-family:Montserrat,sans-serif;color:#A5E8CF;line-height:1.1}
.io-res-band{font-size:.95rem;color:#CDEEE2;margin-top:5px}
.io-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}
.io-res-sub div span{display:block}
.io-res-sub .io-k{font-size:.78rem;color:#B9C7E6}
.io-res-sub .io-v{font-size:1.05rem;font-weight:600;color:#fff}
.io-verdict{background:rgba(0,135,90,.08);border:1px solid rgba(0,135,90,.3);border-radius:var(--io-r-sm);padding:12px 14px;font-size:.9rem;color:#06553a}
.io-chart-wrap{position:relative;height:300px;background:#fff;border:1px solid var(--io-border);border-radius:var(--io-r-md);padding:12px}
.io-chart-wrap canvas{max-width:100%}
.io-placeholder{color:var(--io-faint);text-align:center;padding:24px 10px;font-size:.92rem}
.io-calc-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:22px}
.io-btn-primary,.io-btn-secondary,.io-btn-wa{border:none;border-radius:var(--io-r-md);padding:13px 24px;font-size:1rem;font-weight:600;font-family:Montserrat,sans-serif;cursor:pointer}
.io-btn-primary{background:var(--io-green);color:#fff}
.io-btn-primary:hover{background:#06693f}
.io-btn-secondary{background:var(--io-navy);color:#fff}
.io-btn-secondary:hover{background:#001a4d}
.io-btn-wa{background:#00875A;color:#fff}
.io-btn-wa:hover{background:#06693f}
.io-section{margin-bottom:16px}
.io-table-wrap{overflow-x:auto;margin:1em 0 1.6em;border:1px solid var(--io-border);border-radius:var(--io-r-md)}
.io-table{width:100%;border-collapse:collapse;font-size:.9rem;min-width:440px}
.io-table th,.io-table td{padding:10px 13px;text-align:left;border-bottom:1px solid var(--io-border)}
.io-table th{background:var(--io-navy);color:#fff;font-family:Montserrat,sans-serif;font-weight:600;font-size:.82rem}
.io-table tr:nth-child(even) td{background:var(--io-bg)}
.io-table tr:last-child td{border-bottom:none}
.io-tips{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:14px;margin:1em 0}
.io-tip{background:var(--io-bg);border-left:4px solid var(--io-green);border-radius:0 var(--io-r-sm) var(--io-r-sm) 0;padding:15px 17px}
.io-tip h3{margin:0 0 .4em;font-size:1.02rem}
.io-tip p{margin:0;font-size:.92rem;color:var(--io-text)}
.io-faq{border:1px solid var(--io-border);border-radius:var(--io-r-sm);margin-bottom:9px;overflow:hidden;background:#fff}
.io-faq summary{padding:14px 18px;font-weight:600;cursor:pointer;color:var(--io-navy);font-family:Montserrat,sans-serif;font-size:.98rem;list-style:none}
.io-faq summary::-webkit-details-marker{display:none}
.io-faq summary::after{content:"+";float:right;font-size:1.3rem;color:var(--io-green);line-height:1}
.io-faq[open] summary::after{content:"−"}
.io-faq[open] summary{border-bottom:1px solid var(--io-border)}
.io-faq .io-faq-body{padding:14px 18px;font-size:.94rem;color:var(--io-text)}
.io-related{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:14px;margin:1em 0}
.io-related-card{display:block;border:1px solid var(--io-border);border-radius:var(--io-r-md);padding:16px 18px;text-decoration:none;color:var(--io-text);background:#fff;transition:transform .12s,box-shadow .12s}
.io-related-card:hover{transform:translateY(-2px);box-shadow:0 6px 18px rgba(0,40,104,.1);border-color:var(--io-green)}
.io-related-card .io-ico{font-size:1.5rem;display:block;margin-bottom:6px}
.io-related-card strong{display:block;color:var(--io-navy);font-family:Montserrat,sans-serif;font-size:1rem;margin-bottom:3px}
.io-related-card span.io-desc{font-size:.85rem;color:var(--io-muted)}
.io-legal{margin-top:34px;padding:20px 22px;background:var(--io-bg);border:1px solid var(--io-border);border-radius:var(--io-r-md);font-size:.86rem;color:var(--io-faint)}
.io-legal h3{font-size:1.05rem;margin-top:0}
.io-legal a{color:var(--io-green)}
.io-quickref{margin:1em 0}
[data-theme="dark"] .io-scope{--io-bg:#0f1626;--io-card:#161f33;--io-text:#E6ECF7;--io-border:#2a3650;--io-muted:#9AABCB;--io-faint:#A9BBD6;color:var(--io-text)}
[data-theme="dark"] .io-scope h1,[data-theme="dark"] .io-scope h2,[data-theme="dark"] .io-scope h3{color:#EAF0FB}
[data-theme="dark"] .io-input-group input{background:#0f1626;color:#E6ECF7}
[data-theme="dark"] .io-input-group{background:#0f1626}
[data-theme="dark"] .io-input-group .io-prefix{background:#1c2740}
[data-theme="dark"] .io-chart-wrap,[data-theme="dark"] .io-related-card,[data-theme="dark"] .io-faq{background:#161f33}
[data-theme="dark"] .io-table tr:nth-child(even) td{background:#1c2740}
[data-theme="dark"] .io-tip{background:#1c2740}
@media(max-width:768px){.io-calc-grid{grid-template-columns:1fr}}
@media(max-width:560px){.io-calc-actions{flex-direction:column}.io-btn-primary,.io-btn-secondary,.io-btn-wa{width:100%;flex:none;border-radius:var(--io-r-md);white-space:nowrap}.io-res-sub{grid-template-columns:1fr}.io-grid2{grid-template-columns:1fr}}
.io-chart-wrap{height:300px}