*,*::before,*::after{box-sizing:border-box}:root{--saffron:#FF9933;--saffron-dark:#CC6600;--saffron-100:#FFF3E0;--green:#014D4E;--green-100:#E8F5E9;--navy:#002868;--navy-100:#E8EDF6;--white:#FFFFFF;--bg:#F4F6FA;--border:#D0D9E8;--text:#1A1A2E;--muted:#5A6A7A;--faint:#4D6666;--danger:#C62828;--danger-light:#FFEBEE;--r-sm:6px;--r-md:10px;--r-lg:14px;--r-pill:30px}.lo-hero{border-radius:16px;padding:44px 48px 40px;margin-bottom:32px;position:relative;overflow:hidden}.lo-badge{display:inline-block;background:rgba(255,255,255,.15);color:#fff;font-size:.75rem;font-weight:700;padding:4px 12px;border-radius:var(--r-pill);letter-spacing:.06em;text-transform:uppercase;margin-bottom:14px}.lo-hero h1{font-family:Montserrat,sans-serif;font-size:clamp(24px,3.2vw,36px);font-weight:800;color:#fff;line-height:1.22;margin:0 0 12px;max-width:22ch}.lo-subtitle{color:rgba(255,255,255,.88);font-size:1.05rem;margin:0 0 22px;line-height:1.55}.lo-pills{display:flex;flex-wrap:wrap;gap:8px}.lo-pill{background:rgba(255,255,255,.13);color:rgba(255,255,255,.9);font-size:.77rem;padding:5px 13px;border-radius:var(--r-pill);font-weight:500}.lo-calc-wrapper{background:var(--white);border-radius:16px;border:1px solid var(--border);overflow:hidden;margin-bottom:32px}.lo-calc-header{background:var(--navy);padding:16px 24px}.lo-calc-header h2{font-family:Montserrat,sans-serif;font-size:1rem;font-weight:700;color:var(--white);margin:0;line-height:1.35}.lo-calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:0;min-width:0}.lo-inputs-panel{padding:22px 24px;border-right:1px solid var(--border);min-width:0}.lo-results-panel{padding:22px 24px;background:var(--bg);min-width:0}.lo-field{margin-bottom:15px}.lo-field label{display:block;font-size:.81rem;font-weight:600;color:var(--text);margin-bottom:5px}.lo-field input,.lo-field select{width:100%;padding:9px 12px;border:1.5px solid var(--border);border-radius:var(--r-md);font-size:.93rem;color:var(--text);background:var(--white);outline:none;transition:border-color .15s;min-width:0;font-family:Inter,sans-serif}.lo-field input:focus,.lo-field select:focus{border-color:var(--navy)}.lo-field input[type=checkbox]{width:auto;min-width:0}.lo-input-group{position:relative;display:flex;align-items:center;min-width:0}.lo-hint{font-size:.73rem;color:var(--faint);margin-top:3px}.lo-field input[readonly]{background:var(--bg);color:var(--muted)}.lo-chart-section{padding:0 24px 22px;background:var(--white);border-top:1px solid var(--border)}.lo-chart-title{font-family:Montserrat,sans-serif;font-weight:700;font-size:.88rem;color:var(--text);padding:14px 0 10px}.lo-chart-box{position:relative;height:280px}.lo-chart-box canvas{max-width:100%;max-height:100%}.lo-calc-actions{padding:14px 24px;background:var(--bg);border-top:1px solid var(--border);display:flex;gap:10px;flex-wrap:wrap}.lo-btn-primary{background:var(--saffron);color:var(--navy);font-weight:800;font-family:Montserrat,sans-serif;font-size:.88rem;padding:11px 24px;border:none;border-radius:var(--r-pill);cursor:pointer;min-height:46px;white-space:nowrap;transition:background .15s}.lo-btn-primary:hover{background:var(--saffron-dark);color:var(--white)}.lo-btn-secondary{background:var(--navy);color:var(--white);font-weight:700;font-size:.83rem;padding:11px 18px;border:none;border-radius:var(--r-pill);cursor:pointer;min-height:46px;white-space:nowrap}.lo-btn-wa{background:#25D366;color:var(--white);font-weight:700;font-size:.83rem;padding:11px 18px;border:none;border-radius:var(--r-pill);cursor:pointer;min-height:46px;white-space:nowrap}.lo-section{margin:0 0 40px}.lo-section h2{font-family:Montserrat,sans-serif;font-size:clamp(1.18rem,2.4vw,1.5rem);font-weight:800;color:var(--navy);margin:0 0 16px;line-height:1.32}.lo-section p{color:var(--text);line-height:1.78;margin:0 0 13px;font-size:.98rem}.lo-intro-box{background:var(--navy-100);border-left:4px solid var(--navy);border-radius:0 var(--r-md) var(--r-md) 0;padding:14px 18px;margin-bottom:20px;font-size:.93rem;line-height:1.7}.lo-intro-box strong{color:var(--navy)}.lo-table-wrap{overflow-x:auto;margin-bottom:20px}.lo-table{width:100%;border-collapse:collapse;font-size:.86rem}.lo-table th{background:var(--navy);color:var(--white);padding:10px 12px;text-align:left;font-family:Montserrat,sans-serif;font-weight:700}.lo-table td{padding:8px 12px;border-bottom:1px solid var(--border);color:var(--text)}.lo-table tr:nth-child(even) td{background:var(--bg)}.lo-table .lo-hi{color:var(--danger);font-weight:700}.lo-steps{display:flex;flex-direction:column;gap:14px;margin-top:8px}.lo-step{display:flex;gap:16px;align-items:flex-start;background:var(--white);border:1px solid var(--border);border-radius:var(--r-lg);padding:16px}.lo-step-num{width:34px;height:34px;border-radius:50%;background:var(--navy);color:var(--white);display:flex;align-items:center;justify-content:center;font-family:Montserrat,sans-serif;font-weight:800;font-size:.9rem;flex-shrink:0}.lo-step-body h3{font-family:Montserrat,sans-serif;font-size:.9rem;font-weight:700;color:var(--navy);margin:0 0 5px}.lo-step-body p{font-size:.85rem;color:var(--text);line-height:1.65;margin:0}.lo-example{background:var(--white);border:1px solid var(--border);border-radius:var(--r-lg);padding:20px 22px;margin-bottom:20px}.lo-ex-header{display:flex;align-items:center;gap:12px;margin-bottom:14px}.lo-ex-avatar{width:38px;height:38px;border-radius:50%;background:var(--navy);color:var(--white);display:flex;align-items:center;justify-content:center;font-weight:800;font-size:.9rem;flex-shrink:0;font-family:Montserrat,sans-serif}.lo-ex-info{flex:1}.lo-ex-name{font-weight:700;font-size:.93rem;color:var(--text)}.lo-ex-sit{font-size:.75rem;color:var(--faint)}.lo-ex-badge{font-size:.71rem;font-weight:700;padding:3px 10px;border-radius:var(--r-pill)}.lo-badge-saffron{background:var(--saffron-100);color:var(--saffron-dark)}.lo-ex-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:8px;margin:12px 0}.lo-ex-cell{background:var(--bg);border-radius:var(--r-sm);padding:8px 10px;text-align:center}.lo-ex-cell .k{font-size:.69rem;color:var(--faint);margin-bottom:2px}.lo-ex-cell .v{font-family:Montserrat,sans-serif;font-size:.86rem;font-weight:800;color:var(--navy)}.lo-ex-take{background:var(--green-100);border-radius:var(--r-sm);padding:9px 13px;font-size:.81rem;color:var(--green);font-weight:600;margin-top:10px}.lo-tips-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin-top:8px}.lo-tip{background:var(--white);border:1px solid var(--border);border-radius:var(--r-lg);padding:17px}.lo-tip-num{font-family:Montserrat,sans-serif;font-size:1.4rem;font-weight:900;color:var(--saffron);line-height:1;margin-bottom:5px}.lo-tip h3{font-family:Montserrat,sans-serif;font-size:.86rem;font-weight:700;color:var(--navy);margin:0 0 5px}.lo-tip p{font-size:.81rem;color:var(--text);line-height:1.62;margin:0}.lo-qr-table{width:100%;border-collapse:collapse;font-size:.86rem;margin:10px 0}.lo-qr-table th{background:var(--saffron);color:var(--navy);padding:9px 12px;text-align:left;font-weight:700;font-family:Montserrat,sans-serif}.lo-qr-table td{padding:8px 12px;border-bottom:1px solid var(--border);color:var(--text)}.lo-qr-table tr:nth-child(even) td{background:var(--saffron-100)}.lo-faq{border:1px solid var(--border);border-radius:var(--r-lg);overflow:hidden;margin-bottom:7px}.lo-faq details summary{padding:13px 18px;font-weight:600;font-size:.9rem;cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;color:var(--navy);background:var(--white)}.lo-faq details summary::-webkit-details-marker{display:none}.lo-faq details summary::after{content:'+';font-size:1.15rem;color:var(--faint)}.lo-faq details[open] summary::after{content:'-'}.lo-faq-body{padding:0 18px 14px;font-size:.86rem;line-height:1.72;color:var(--text)}.lo-faq-body p{margin:8px 0 0}.lo-related-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:13px;margin-top:8px}.lo-related-card{background:var(--white);border:1px solid var(--border);border-radius:var(--r-lg);padding:15px;text-align:center;text-decoration:none;transition:border-color .15s,box-shadow .15s;display:block}.lo-related-card:hover{border-color:var(--navy);box-shadow:0 4px 14px rgba(0,40,104,.09)}.lo-related-icon{font-size:1.55rem;margin-bottom:7px}.lo-related-name{font-family:Montserrat,sans-serif;font-size:.8rem;font-weight:700;color:var(--navy);margin-bottom:4px;line-height:1.35}.lo-related-desc{font-size:.72rem;color:var(--faint);line-height:1.4}@media(max-width:900px){.lo-related-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:820px){.lo-calc-grid{grid-template-columns:1fr}.lo-inputs-panel{border-right:none;border-bottom:1px solid var(--border)}.lo-tips-grid{grid-template-columns:1fr}.lo-ex-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:560px){.lo-hero{padding:28px 20px 24px}.lo-calc-header,.lo-inputs-panel,.lo-results-panel,.lo-chart-section,.lo-calc-actions{padding-left:16px;padding-right:16px}.lo-calc-actions{flex-direction:column}.lo-calc-actions .lo-btn-primary,.lo-calc-actions .lo-btn-secondary,.lo-calc-actions .lo-btn-wa{width:100%;flex:none;border-radius:var(--r-md)}.lo-related-grid{grid-template-columns:1fr 1fr}.lo-chart-box{height:220px}.lo-steps .lo-step{flex-direction:column}}@media(max-width:460px){.lo-ex-grid{grid-template-columns:repeat(2,1fr)}}.lo-regime-sel{display:flex;gap:8px;margin-top:4px}.lo-regime-opt{flex:1;position:relative}.lo-regime-opt input{position:absolute;opacity:0;pointer-events:none}.lo-regime-opt label{display:block;text-align:center;padding:10px 8px;border:1.5px solid var(--border);border-radius:var(--r-md);font-size:.82rem;font-weight:700;color:var(--text);cursor:pointer;background:var(--white);transition:all .15s;margin:0}.lo-regime-opt input:checked+label{border-color:var(--navy);background:var(--navy);color:var(--white)}.lo-grp{margin-bottom:16px;border:1px solid var(--border);border-radius:var(--r-lg);overflow:hidden}.lo-grp-head{background:var(--navy-100);padding:9px 14px;font-family:Montserrat,sans-serif;font-size:.8rem;font-weight:800;color:var(--navy);border-bottom:1px solid var(--border)}.lo-grp-body{padding:12px 14px;display:grid;grid-template-columns:1fr 1fr;gap:10px}.lo-mini label{display:block;font-size:.74rem;font-weight:600;color:var(--text);margin-bottom:4px}.lo-mini input{width:100%;padding:8px 10px;border:1.5px solid var(--border);border-radius:var(--r-md);font-size:.88rem;color:var(--text);background:var(--white);outline:none;min-width:0;font-family:Inter,sans-serif}.lo-mini input:focus{border-color:var(--navy)}.lo-verdict{border-radius:var(--r-lg);padding:18px 20px;text-align:center;margin-bottom:14px;color:#fff;background:linear-gradient(135deg,#002868 0%,#001a4d 100%)}.lo-verdict-label{font-size:.76rem;opacity:.88;text-transform:uppercase;letter-spacing:.05em;margin-bottom:5px}.lo-verdict-big{font-family:Montserrat,sans-serif;font-size:1.7rem;font-weight:800;line-height:1.1;color:var(--saffron)}.lo-verdict-sub{font-size:.8rem;opacity:.9;margin-top:6px;line-height:1.5}.lo-flow{display:flex;flex-direction:column;gap:6px;margin-bottom:14px}.lo-flow-step{display:flex;align-items:flex-start;gap:10px;padding:9px 13px;background:var(--white);border:1px solid var(--border);border-radius:var(--r-md);font-size:.82rem}.lo-flow-icon{width:22px;height:22px;border-radius:50%;background:var(--green);color:#fff;display:flex;align-items:center;justify-content:center;font-size:.72rem;font-weight:800;flex-shrink:0;margin-top:1px}.lo-flow-text{color:var(--text);line-height:1.5}.lo-flow-text strong{color:var(--navy);font-family:Montserrat,sans-serif}.lo-cf-title{font-family:Montserrat,sans-serif;font-size:.86rem;font-weight:800;color:var(--navy);margin:14px 0 9px}.lo-cf-list{display:flex;flex-direction:column;gap:8px;margin-bottom:8px}.lo-cf-card{background:var(--saffron-100);border:1px solid var(--saffron);border-radius:var(--r-md);padding:11px 14px}.lo-cf-row1{display:flex;justify-content:space-between;align-items:center;margin-bottom:3px}.lo-cf-name{font-family:Montserrat,sans-serif;font-size:.83rem;font-weight:700;color:var(--saffron-dark)}.lo-cf-amt{font-family:Montserrat,sans-serif;font-size:1rem;font-weight:800;color:var(--navy)}.lo-cf-meta{font-size:.73rem;color:#7A4208;line-height:1.5}.lo-cf-none{background:var(--green-100);border:1px solid var(--green);border-radius:var(--r-md);padding:12px 14px;font-size:.82rem;color:var(--green);font-weight:600;text-align:center}.lo-warn{background:#FFF8E1;border-left:3px solid var(--saffron);border-radius:0 var(--r-sm) var(--r-sm) 0;padding:9px 12px;font-size:.76rem;color:#4E342E;margin-top:10px;line-height:1.55}.lo-warn strong{color:#B26A00}@media(max-width:460px){.lo-grp-body{grid-template-columns:1fr}}