.tool-hero{background:linear-gradient(135deg, var(--primary) 0%, #1e40af 50%, #0f172a 100%);color:var(--white);text-align:center;padding:60px 32px 50px;position:relative;overflow:hidden}.tool-hero:before{content:"";pointer-events:none;background:radial-gradient(circle at 85% 20%,#60a5fa4d,#0000 50%);position:absolute;inset:0}.tool-hero-inner{max-width:900px;margin:0 auto;position:relative}.tool-badge{color:#e0e7ff;-webkit-backdrop-filter:blur(8px);backdrop-filter:blur(8px);background:#ffffff26;border:1px solid #ffffff40;border-radius:999px;margin-bottom:18px;padding:8px 20px;font-size:14px;font-weight:600;display:inline-block}.tool-hero h1{letter-spacing:-.02em;margin-bottom:14px;font-size:clamp(28px,4.5vw,44px);font-weight:900;line-height:1.3}.tool-hero .lead{color:#cbd5e1;max-width:680px;margin:0 auto;font-size:clamp(15px,1.8vw,18px);line-height:1.7}.calc-wrap{z-index:5;max-width:1180px;margin:-28px auto 0;padding:0 32px 60px;position:relative}.calc-grid{grid-template-columns:1fr 1fr;align-items:start;gap:24px;display:grid}@media (width<=920px){.calc-grid{grid-template-columns:1fr}}.calc-form{background:var(--white);border:1px solid var(--gray-100);border-radius:18px;padding:30px;box-shadow:0 12px 40px #0f172a1f}.calc-form h2{color:var(--primary);align-items:center;gap:10px;margin-bottom:22px;font-size:22px;font-weight:800;display:flex}.calc-form h2:before{content:"📊";font-size:28px}.calc-field{margin-bottom:22px}.calc-field label{color:var(--gray-800);margin-bottom:10px;font-size:14px;font-weight:700;display:block}.calc-field .helper{color:var(--muted);margin-top:6px;font-size:12px;font-weight:500;display:block}.amount-input{background:var(--cream);border:2px solid var(--gray-200);border-radius:12px;align-items:center;padding:0 16px;transition:all .15s;display:flex;position:relative}.amount-input:focus-within{border-color:var(--accent);background:var(--white);box-shadow:0 0 0 4px var(--accent-soft)}.amount-input input{color:var(--gray-900);text-align:right;direction:ltr;background:0 0;border:none;outline:none;flex:1;width:100%;padding:16px 0;font-family:inherit;font-size:22px;font-weight:800}.amount-input input::placeholder{color:var(--gray-400);font-weight:500}.amount-input .currency{color:var(--muted);white-space:nowrap;padding-right:8px;font-size:16px;font-weight:700}.option-grid{grid-template-columns:repeat(2,1fr);gap:10px;display:grid}.option-grid.three{grid-template-columns:repeat(3,1fr)}.option-grid.four{grid-template-columns:repeat(2,1fr)}.option-card{background:var(--white);border:2px solid var(--gray-200);cursor:pointer;text-align:center;border-radius:10px;padding:14px;transition:all .15s;display:block;position:relative}.option-card input[type=radio]{opacity:0;pointer-events:none;position:absolute}.option-card .opt-icon{margin-bottom:4px;font-size:22px}.option-card .opt-label{color:var(--gray-700);font-size:13px;font-weight:700;display:block}.option-card:hover{border-color:var(--accent);transform:translateY(-1px)}.option-card input:checked+.opt-label{border-color:var(--accent);background:var(--accent-soft)}.option-card:has(input:checked){border-color:var(--accent);background:var(--accent-soft)}.option-card:has(input:checked) .opt-label{color:var(--primary)}.calc-result{background:linear-gradient(135deg, var(--primary), #1e40af);color:var(--white);border-radius:18px;padding:30px;position:sticky;top:24px;box-shadow:0 16px 48px #0f172a40}.calc-result h2{opacity:.85;margin-bottom:6px;font-size:18px;font-weight:700}.calc-result .subtitle{opacity:.7;margin-bottom:22px;font-size:13px}.result-main{-webkit-backdrop-filter:blur(8px);backdrop-filter:blur(8px);background:#ffffff1a;border:1px solid #ffffff26;border-radius:14px;margin-bottom:18px;padding:22px 22px 18px}.result-row{border-bottom:1px solid #ffffff1a;justify-content:space-between;align-items:baseline;padding:10px 0;display:flex}.result-row:last-child{border-bottom:none}.result-row .label{opacity:.85;font-size:14px;font-weight:500}.result-row .value{font-size:16px;font-weight:700}.result-row.headline .label{opacity:1;font-size:15px;font-weight:700}.result-row.headline .value{letter-spacing:-.02em;font-size:32px;font-weight:900}.result-row.success .value{color:#86efac}.result-row.warn .value{color:#fcd34d}.prob-bar{background:#ffffff26;border-radius:999px;height:10px;margin:10px 0 4px;position:relative;overflow:hidden}.prob-bar-fill{background:linear-gradient(90deg,#22c55e,#86efac);border-radius:999px;height:100%;transition:width .4s}.prob-bar-fill.medium{background:linear-gradient(90deg,#f59e0b,#fcd34d)}.prob-bar-fill.low{background:linear-gradient(90deg,#ef4444,#fca5a5)}.recommendation{color:var(--gray-900);background:#fffffff2;border-radius:12px;margin-bottom:16px;padding:18px}.recommendation .rec-title{color:var(--primary);align-items:center;gap:6px;margin-bottom:6px;font-size:14px;font-weight:700;display:flex}.recommendation p{color:var(--gray-700);margin:0;font-size:14px;line-height:1.7}.result-cta{flex-direction:column;gap:10px;margin-top:6px;display:flex}.result-cta .btn-result{text-align:center;border-radius:10px;padding:14px 20px;font-size:15px;font-weight:800;text-decoration:none;transition:all .15s;display:block}.result-cta .btn-primary-action{background:var(--white);color:var(--primary)}.result-cta .btn-primary-action:hover{transform:translateY(-1px);box-shadow:0 8px 20px #00000026}.result-cta .btn-secondary-action{color:var(--white);background:0 0;border:1.5px solid #fff6}.result-cta .btn-secondary-action:hover{background:#ffffff1a}.disclaimer{opacity:.6;text-align:center;margin-top:14px;font-size:11px;line-height:1.6}.calc-explain{background:var(--cream);margin-top:40px;padding:50px 32px}.calc-explain-inner{max-width:900px;margin:0 auto}.calc-explain h2{color:var(--primary);text-align:center;margin-bottom:14px;font-size:26px;font-weight:800}.calc-explain>.calc-explain-inner>p{text-align:center;color:var(--gray-600);margin-bottom:30px;font-size:16px}.factors-grid{grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:16px;display:grid}.factor-card{background:var(--white);border:1px solid var(--gray-200);border-radius:12px;padding:22px 20px}.factor-card .factor-emoji{margin-bottom:8px;font-size:26px}.factor-card h3{color:var(--primary);margin-bottom:6px;font-size:16px;font-weight:800}.factor-card p{color:var(--gray-600);margin:0;font-size:13px;line-height:1.7}.calc-faq{max-width:800px;margin:0 auto;padding:50px 32px}.calc-faq h2{color:var(--primary);text-align:center;margin-bottom:24px;font-size:26px;font-weight:800}.calc-faq details{background:var(--white);border:1px solid var(--gray-200);border-radius:12px;margin-bottom:12px;padding:18px 22px}.calc-faq summary{color:var(--gray-900);cursor:pointer;padding-left:28px;font-size:16px;font-weight:700;list-style:none;position:relative}.calc-faq summary:before{content:"+";color:var(--accent);text-align:center;width:20px;font-size:22px;font-weight:700;position:absolute;left:0}.calc-faq details[open] summary:before{content:"−"}.calc-faq summary::-webkit-details-marker{display:none}.calc-faq details p{border-top:1px dashed var(--gray-200);color:var(--gray-700);margin-top:12px;padding-top:12px;font-size:15px;line-height:1.8}@media (width<=640px){.calc-wrap{padding:0 16px 40px}.calc-form,.calc-result{padding:22px}.result-row.headline .value{font-size:26px}.option-grid.three,.option-grid.four{grid-template-columns:1fr 1fr}}@keyframes resultPulse{0%{transform:scale(1)}50%{transform:scale(1.04)}to{transform:scale(1)}}.result-row.headline .value.pulse{animation:.4s resultPulse}