.legal-main,.calc-main{background:#f5f7fc;color:#16294a;min-height:72vh;padding:55px 18px 85px;font-family:Manrope,Arial,sans-serif}
.legal-shell,.calc-shell{max-width:1080px;margin:auto}.legal-shell{max-width:850px}
.legal-main h1,.calc-main h1{font-size:clamp(2rem,4vw,3.4rem);line-height:1.14;color:#10264b;margin:8px 0 18px}
.legal-main h2{font-size:1.25rem;color:#183765;margin:30px 0 10px}
.legal-main p,.legal-main li{line-height:1.85;color:#415572;font-size:15px}
.legal-main a,.calc-main a{color:#bc5316}.legal-main section{padding:0}
.backlink{display:inline-flex;padding:11px 18px;border-radius:12px;background:#102c56;color:white!important;text-decoration:none;margin-bottom:28px}
.legal-note{background:#fff3e6;border-left:4px solid #f28b22;padding:16px 20px;border-radius:10px}
.calc-tabs{display:flex;gap:10px;flex-wrap:wrap;margin:28px 0}.calc-tabs button{background:#fff;color:#203d65;border:1px solid #dce3ee;border-radius:13px;padding:13px 20px;font-weight:800;cursor:pointer}
.calc-tabs button.active{background:#10386c;color:#fff;border-color:#10386c}
.calc-panel{background:white;padding:clamp(18px,4vw,38px);border-radius:22px;box-shadow:0 12px 40px #142a4a14}
.calc-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px}
.calc-field label{display:block;font-weight:750;font-size:14px;margin-bottom:9px;color:#2d4566}
.calc-field input{width:100%;box-sizing:border-box;padding:14px;border:1px solid #bdcce0;border-radius:12px;font:inherit;color:#10264b;background:#fff}
.calc-results{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;margin-top:26px}
.calc-result{padding:20px;border-radius:16px;background:#edf4ff}.calc-result strong{display:block;font-size:clamp(1.3rem,3vw,2rem);color:#123a72;overflow-wrap:anywhere}
.calc-result span{display:block;color:#47617f;font-size:13px;margin-bottom:8px}
.calc-disclaimer{font-size:13px;color:#52677f;line-height:1.7;margin-top:24px}
@media(max-width:640px){.calc-grid,.calc-results{grid-template-columns:1fr}}


:root{--ink:#132a4d;--muted:#526b8a;--coral:#ff8738;--purple:#7659dc}
*{box-sizing:border-box}
body{margin:0;background:#f5f7fc;color:var(--ink);font-family:Manrope,Arial,sans-serif}
.pm-top{background:#0b1f40;color:white;padding:18px 24px}
.pm-top-inner{max-width:1120px;margin:auto;display:flex;align-items:center;justify-content:space-between;gap:12px;flex-wrap:wrap}
.pm-top a{color:white;text-decoration:none;font-weight:800}.pm-top a:last-child{font-size:13px;color:#ffc18e}
.pm-footer{background:#0b1f40;color:#dfeaff;text-align:center;padding:34px 15px;font-size:13px}
.pm-footer a{color:#ffc18e;text-decoration:none}
.pm-footer-links{display:flex;justify-content:center;gap:10px;flex-wrap:wrap;margin:15px auto}
.pm-footer-links a{border:1px solid #657998;padding:11px 15px;border-radius:999px}
.calc-main{background:radial-gradient(circle at 85% 8%,#d3d9ff 0,transparent 32%),radial-gradient(circle at 10% 32%,#ffdfce 0,transparent 36%),#f5f7fc}
.calc-main h1{font-size:clamp(2.2rem,5vw,4rem);font-weight:900;letter-spacing:-.04em}
.calc-main .eyebrow{color:#be541c;font-weight:900;letter-spacing:2px;font-size:12px}
.calc-intro{color:#4d6481;line-height:1.8;max-width:740px}
.calc-tabs{gap:12px}
.calc-tabs button{box-shadow:0 7px 20px #123e7510;border-radius:999px;padding:14px 22px;transition:all .2s}
.calc-tabs button.active{background:linear-gradient(120deg,#1c4783,#7655d5);box-shadow:0 10px 24px #2846a433}
.calc-panel{border:1px solid #e0e9f6;box-shadow:0 22px 70px #142a4a18;position:relative;overflow:hidden}
.calc-panel:before{content:"";height:7px;position:absolute;top:0;left:0;right:0;background:linear-gradient(90deg,#ff923a,#f85f91,#8061df,#2d8dd5)}
.calc-panel h2{font-size:clamp(1.5rem,3vw,2.2rem);margin:10px 0;color:#14325b}
.calc-panel .description{color:#637997;margin-bottom:25px;line-height:1.7}
.calc-field{background:#f7f9ff;border:1px solid #e1e9f4;border-radius:16px;padding:16px}
.calc-field input{background:#fff;border:2px solid #dbe4f2;font-size:17px;font-weight:700}
.calc-field input:focus{border-color:#7861d9;outline:3px solid #8064dd26}
.calc-result{background:linear-gradient(145deg,#eaf5ff,#f0edff);border:1px solid #dbe6fa;padding:24px}
.calc-result:nth-child(2){background:linear-gradient(145deg,#fff0e6,#fff7e5);border-color:#ffe1cc}
.calc-result strong{color:#133d7a;font-size:clamp(1.45rem,3vw,2.3rem)}
.calc-disclaimer{border-top:1px solid #e0e8f1;padding-top:19px}
.legal-main{background:radial-gradient(circle at 90% 0,#e4e3ff,transparent 35%),#f5f7fc}
.legal-main .eyebrow{color:#b45b24;font-weight:800;letter-spacing:2px}
.legal-main .legal-note{background:#fff3e6}
@media(max-width:650px){.calc-main,.legal-main{padding:34px 15px 60px}.calc-tabs button{flex:1;padding:12px 10px;font-size:12px}.calc-panel{padding:20px}}