:root{
  --bg:#f6f9fc; --card:#fff; --ink:#0a2540; --muted:#5b6b82; --line:#e3e8ef;
  --blue:#635bff; --sky:#00a2ff; --soft:#eef2ff; --green:#14b37d; --red:#ef4f6b; --amber:#d98a00;
  --r:18px; --shadow:0 1px 2px rgba(10,37,64,.04),0 12px 32px -12px rgba(50,50,93,.18);
}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:Inter,system-ui,-apple-system,sans-serif;background:var(--bg);color:var(--ink);line-height:1.5;-webkit-font-smoothing:antialiased;
  background-image:radial-gradient(900px 400px at 85% -10%,rgba(99,91,255,.12),transparent 60%),radial-gradient(700px 360px at 0% 0%,rgba(0,162,255,.10),transparent 60%);background-repeat:no-repeat}
.nav{max-width:1080px;margin:0 auto;padding:22px 24px;display:flex;justify-content:space-between;align-items:center}
.logo{display:flex;align-items:center;gap:10px;font-weight:700;font-size:19px;color:var(--ink);text-decoration:none;letter-spacing:-.02em}
.logo-mark{width:26px;height:26px;border-radius:8px;background:linear-gradient(135deg,var(--blue),var(--sky));box-shadow:0 4px 12px rgba(99,91,255,.35);position:relative}
.logo-mark::after{content:"";position:absolute;inset:7px 7px 7px 7px;border-radius:3px;background:#fff;opacity:.9}
.pill{font-size:12px;font-weight:500;color:var(--blue);background:var(--soft);padding:5px 12px;border-radius:99px}
.hero{max-width:760px;margin:24px auto 36px;padding:0 24px;text-align:center}
.hero h1{font-size:clamp(28px,4.6vw,46px);line-height:1.12;letter-spacing:-.035em;font-weight:700}
.grad{background:linear-gradient(90deg,var(--blue),var(--sky));-webkit-background-clip:text;background-clip:text;color:transparent}
.hero p{color:var(--muted);font-size:17px;margin-top:14px}
.grid{max-width:1080px;margin:0 auto;padding:0 24px;display:grid;grid-template-columns:1fr 1fr;gap:24px;align-items:start}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:28px;box-shadow:var(--shadow)}
.seg{display:grid;grid-template-columns:1fr 1fr;background:#f0f3f8;border-radius:12px;padding:4px;margin-bottom:22px}
.seg button{border:0;background:transparent;font:600 14px Inter,sans-serif;color:var(--muted);padding:10px;border-radius:9px;cursor:pointer;transition:.2s}
.seg button.on{background:#fff;color:var(--ink);box-shadow:0 1px 3px rgba(10,37,64,.12)}
.field{margin-bottom:18px}
.field label{display:flex;align-items:center;justify-content:space-between;font-size:13px;font-weight:600;color:var(--ink);margin-bottom:7px}
.opt{font-weight:500;color:var(--muted);font-size:12px}
.badge{font-size:12px;font-weight:600;color:var(--blue);background:var(--soft);padding:2px 9px;border-radius:99px}
.inp{display:flex;align-items:center;border:1px solid var(--line);border-radius:12px;background:#fff;transition:.15s;padding:0 14px}
.inp:focus-within{border-color:var(--blue);box-shadow:0 0 0 4px rgba(99,91,255,.14)}
.inp span{color:var(--muted);font-weight:500}
.inp input{flex:1;border:0;outline:0;font:500 16px Inter,sans-serif;color:var(--ink);padding:12px 8px;background:transparent;min-width:0;font-variant-numeric:tabular-nums}
.inp.bad{border-color:var(--red);box-shadow:0 0 0 4px rgba(239,79,107,.12)}
.inp.sm{width:110px;flex:none}
.split{display:flex;gap:14px;align-items:center}
input[type=range]{flex:1;accent-color:var(--blue);height:6px}
.two{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.help{font-size:12.5px;color:var(--muted);margin:-8px 0 18px}
.errors{font-size:13px;color:var(--red);min-height:1em}
.errors div{margin-top:4px}
.result{position:sticky;top:20px}
.eyebrow{display:inline-block;font-size:11px;font-weight:700;letter-spacing:.12em;padding:4px 10px;border-radius:99px;background:#e7f8f1;color:var(--green)}
.eyebrow.short{background:#fdecef;color:var(--red)}
.big{font-size:clamp(44px,7vw,64px);font-weight:700;letter-spacing:-.04em;line-height:1.05;margin-top:14px;font-variant-numeric:tabular-nums}
.big small{font-size:18px;font-weight:500;color:var(--muted);letter-spacing:0;margin-left:10px}
.sub{color:var(--muted);font-size:14px;margin-top:4px}
.kv{margin-top:22px;border-top:1px solid var(--line)}
.kv div{display:flex;justify-content:space-between;padding:11px 0;border-bottom:1px solid var(--line);font-size:14.5px}
.kv dt{color:var(--muted)} .kv dd{font-weight:600;font-variant-numeric:tabular-nums}
.rr{margin-top:22px;background:#f8fafd;border-radius:14px;padding:16px}
.rr-head{display:flex;justify-content:space-between;font-size:13px;color:var(--muted);margin-bottom:10px}
.rr-head b{color:var(--ink)}
.rr-bar{display:flex;height:12px;border-radius:99px;overflow:hidden;background:var(--line);gap:3px}
.rr-risk{background:var(--red);border-radius:99px;transition:width .35s}
.rr-rew{background:linear-gradient(90deg,var(--green),#3dd6a3);border-radius:99px;transition:width .35s}
.rr-legend{display:flex;justify-content:space-between;font-size:12.5px;color:var(--muted);margin-top:8px}
.d{display:inline-block;width:8px;height:8px;border-radius:50%;margin-right:6px}.d.risk{background:var(--red)}.d.rew{background:var(--green)}
.warn{margin-top:12px;font-size:13px;padding:10px 12px;border-radius:10px;background:#fff7e6;color:#8a5a00;border:1px solid #ffe2a8}
.warn.info{background:var(--soft);color:#3d36b8;border-color:#dcdcff}
.how{max-width:1080px;margin:48px auto 0;padding:0 24px}
.how h2{font-size:20px;letter-spacing:-.02em;margin-bottom:14px}
.how-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.how-grid div{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px}
.how-grid b{font-size:14px} .how-grid p{font-size:13.5px;color:var(--muted);margin-top:6px}
.foot{max-width:1080px;margin:40px auto 48px;padding:0 24px}
.foot p{font-size:13px;color:var(--muted);background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px 18px}
.foot b{color:var(--ink)}
@media (max-width:860px){.grid{grid-template-columns:1fr}.result{position:static}.how-grid{grid-template-columns:1fr 1fr}}
@media (max-width:480px){.card{padding:20px}.two{grid-template-columns:1fr}.how-grid{grid-template-columns:1fr}.hero p{font-size:15px}}