:root {
  --bg: #f7f8fb;
  --surface: #ffffff;
  --ink: #172033;
  --muted: #5f6b7a;
  --line: #d9e0ea;
  --blue: #2563eb;
  --green: #10845b;
  --amber: #b46b12;
  --red: #be3434;
  --shadow: 0 12px 34px rgba(23, 32, 51, 0.08);
}

* {
  box-sizing: border-box;
}

html {
  background: var(--bg);
  color: var(--ink);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.5;
}

body {
  margin: 0;
  min-width: 320px;
}

a {
  color: var(--blue);
  text-decoration: none;
}

a:hover {
  text-decoration: underline;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  border-bottom: 1px solid var(--line);
  background: rgba(255, 255, 255, 0.94);
  backdrop-filter: blur(14px);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  max-width: 1180px;
  min-height: 64px;
  margin: 0 auto;
  padding: 0 22px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: var(--ink);
  font-weight: 750;
}

.brand-mark {
  display: grid;
  width: 30px;
  height: 30px;
  place-items: center;
  border-radius: 7px;
  background: #172033;
  color: #fff;
  font-size: 15px;
}

.nav {
  display: flex;
  flex-wrap: wrap;
  justify-content: flex-end;
  gap: 8px 18px;
  font-size: 14px;
}

.nav a {
  color: var(--muted);
}

.main {
  max-width: 1180px;
  margin: 0 auto;
  padding: 34px 22px 58px;
}

.tool-head {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  gap: 28px;
  align-items: end;
  margin-bottom: 24px;
}

.eyebrow {
  margin: 0 0 9px;
  color: var(--green);
  font-size: 13px;
  font-weight: 760;
  letter-spacing: 0;
  text-transform: uppercase;
}

h1,
h2,
h3 {
  margin: 0;
  letter-spacing: 0;
}

h1 {
  max-width: 780px;
  font-size: 42px;
  line-height: 1.08;
}

h2 {
  font-size: 24px;
  line-height: 1.18;
}

h3 {
  font-size: 17px;
}

.lede {
  max-width: 760px;
  margin: 14px 0 0;
  color: var(--muted);
  font-size: 17px;
}

.section-lede {
  max-width: 760px;
  margin: 10px 0 18px;
  color: var(--muted);
}

.source-note {
  max-width: 320px;
  padding: 12px 14px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
  color: var(--muted);
  font-size: 13px;
}

.tool-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.18fr) minmax(330px, 0.82fr);
  gap: 18px;
  align-items: start;
}

.panel {
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--surface);
  box-shadow: var(--shadow);
}

.panel-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 18px 20px;
  border-bottom: 1px solid var(--line);
}

.panel-header p {
  margin: 6px 0 0;
  color: var(--muted);
  font-size: 14px;
}

.form-body {
  display: grid;
  gap: 18px;
  padding: 20px;
}

.field-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px;
}

.field {
  display: grid;
  gap: 6px;
}

label {
  color: #344154;
  font-size: 13px;
  font-weight: 650;
}

input,
select {
  width: 100%;
  min-height: 42px;
  padding: 9px 10px;
  border: 1px solid #c9d3e0;
  border-radius: 6px;
  background: #fff;
  color: var(--ink);
  font: inherit;
}

input:focus,
select:focus {
  border-color: var(--blue);
  outline: 3px solid rgba(37, 99, 235, 0.13);
}

.preset-row {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}

.preset-button,
.primary-button {
  min-height: 38px;
  border: 1px solid #b9c6d8;
  border-radius: 6px;
  background: #fff;
  color: #233047;
  cursor: pointer;
  font: inherit;
  font-size: 14px;
  font-weight: 650;
}

.preset-button {
  padding: 7px 10px;
}

.preset-button[aria-pressed="true"] {
  border-color: var(--blue);
  background: #eef4ff;
  color: #174ea6;
}

.primary-button {
  padding: 9px 13px;
  border-color: var(--blue);
  background: var(--blue);
  color: #fff;
}

.results {
  position: sticky;
  top: 82px;
}

.result-body {
  display: grid;
  gap: 14px;
  padding: 20px;
}

.metric {
  display: grid;
  gap: 3px;
  padding-bottom: 13px;
  border-bottom: 1px solid var(--line);
}

.metric:last-child {
  padding-bottom: 0;
  border-bottom: 0;
}

.metric-label {
  color: var(--muted);
  font-size: 13px;
  font-weight: 650;
}

.metric-value {
  font-size: 30px;
  font-weight: 780;
  line-height: 1.1;
}

.risk-low {
  color: var(--green);
}

.risk-medium {
  color: var(--amber);
}

.risk-high {
  color: var(--red);
}

.breakdown {
  display: grid;
  gap: 8px;
  padding: 14px;
  border-radius: 8px;
  background: #f5f7fa;
}

.breakdown-row {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  color: var(--muted);
  font-size: 14px;
}

.breakdown-row strong {
  color: var(--ink);
}

.content-band {
  margin-top: 32px;
  padding: 30px 0 0;
}

.content-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
}

.info-block {
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
  padding: 18px;
}

.info-block p,
.article p,
.article li {
  color: var(--muted);
}

.article {
  max-width: 860px;
  padding: 28px;
}

.article h1 {
  font-size: 36px;
}

.article h2 {
  margin-top: 28px;
}

.article ul {
  padding-left: 20px;
}

.footer {
  max-width: 1180px;
  margin: 0 auto;
  padding: 30px 22px;
  border-top: 1px solid var(--line);
  color: var(--muted);
  font-size: 13px;
}

@media (max-width: 920px) {
  .tool-head,
  .tool-grid,
  .content-grid {
    grid-template-columns: 1fr;
  }

  .results {
    position: static;
  }

  .source-note {
    max-width: none;
  }
}

@media (max-width: 680px) {
  .header-inner {
    align-items: flex-start;
    flex-direction: column;
    padding: 14px 18px;
  }

  .nav {
    justify-content: flex-start;
  }

  .main {
    padding: 26px 16px 44px;
  }

  h1 {
    font-size: 32px;
  }

  .field-grid {
    grid-template-columns: 1fr;
  }

  .panel-header {
    align-items: flex-start;
    flex-direction: column;
  }
}