:root {
  --brand: #1d4ed8;
  --brand-light: #dbeafe;
  --text: #111827;
  --muted: #6b7280;
  --border: #e5e7eb;
  --bg: #f9fafb;
  --radius: 12px;
}
* { box-sizing: border-box; }
body { font-family: system-ui, -apple-system, sans-serif; color: var(--text); margin: 0; background: #fff; line-height: 1.5; }
header { background: var(--brand); color: #fff; padding: 32px 20px; }
header a { color: rgba(255,255,255,.9); text-decoration: none; }
header h1 { margin: 12px 0 4px; }
header .badge { color: rgba(255,255,255,.85); font-size: .85rem; }
.disclaimer-banner { background: #fef3c7; border-bottom: 1px solid #fde68a; padding: 12px 20px; font-size: .85rem; color: #78350f; }
main { max-width: 760px; margin: 0 auto; padding: 24px 20px 60px; }
form { display: grid; gap: 16px; background: var(--bg); border: 1px solid var(--border); border-radius: var(--radius); padding: 24px; }
label { display: flex; flex-direction: column; gap: 4px; font-size: .9rem; font-weight: 600; }
input, select { padding: 10px; border: 1px solid var(--border); border-radius: 8px; font-size: 1rem; }
button { background: var(--brand); color: #fff; border: none; padding: 12px; border-radius: 8px; font-size: 1rem; font-weight: 600; cursor: pointer; }
#results-block { margin-top: 20px; padding: 20px; background: var(--brand-light); border-radius: var(--radius); }
.result-amount { font-size: 2rem; font-weight: 800; margin: 0 0 8px; }
.result-warning { background: #fee2e2; color: #991b1b; padding: 10px; border-radius: 8px; font-size: .85rem; }
.result-deviation { font-size: .8rem; color: var(--muted); margin-top: 8px; }
.privacy-note { font-size: .8rem; color: var(--muted); margin-top: 8px; }
section { margin-top: 40px; }
.methodology { font-size: .85rem; color: var(--muted); border-top: 1px solid var(--border); padding-top: 20px; }
.deviation-note { font-style: italic; }
footer { text-align: center; color: var(--muted); font-size: .8rem; padding: 24px; border-top: 1px solid var(--border); }
.formula-section { background: #f8fafc; border: 1px solid #e2e8f0; border-radius: var(--radius); padding: 24px; }
.formula-section .source-line { color: #64748b; font-size: .78rem; text-transform: uppercase; letter-spacing: .5px; font-weight: 600; }
.formula-section table { width: 100%; border-collapse: collapse; font-size: .85rem; margin: 12px 0; }
.formula-section th, .formula-section td { text-align: left; padding: 6px 10px; border-bottom: 1px solid var(--border); }
.formula-code { background: #1e3a5f; color: #e2e8f0; border-radius: 8px; padding: 16px 18px; font-family: 'Courier New', monospace; font-size: .82rem; line-height: 1.9; }
.formula-footnote { font-size: .78rem; color: #94a3b8; margin-top: 12px; }
.mon-slot[hidden] { display: none; }
.cta-leadgen { display: inline-block; background: #111827; color: #fff; padding: 12px 20px; border-radius: 8px; text-decoration: none; font-weight: 600; }