*{box-sizing:border-box}body{margin:0;font-family:system-ui,-apple-system,Segoe UI,Roboto,sans-serif;background:#f4f6fb;color:#1b2333}
.wrap{max-width:1040px;margin:0 auto;padding:0 20px}header{background:linear-gradient(120deg,#1e3a8a,#2563eb);color:#fff;padding:28px 0 24px;margin-bottom:24px}
.logo{font-size:28px;font-weight:800}header p{margin:6px 0 0;opacity:.9}
.grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}.wide{grid-column:1/-1}@media(max-width:760px){.grid{grid-template-columns:1fr}}
.card{background:#fff;border-radius:16px;padding:22px;box-shadow:0 2px 10px rgba(20,30,60,.06)}h2{font-size:17px;margin:0 0 14px}h2:not(:first-child){margin-top:22px}
label{display:block;font-size:13px;font-weight:600;color:#475069;margin-bottom:12px}input,select,textarea{display:block;width:100%;margin-top:5px;padding:10px 12px;border:1px solid #d5dbe8;border-radius:10px;font:inherit;font-size:15px;color:#1b2333;background:#fff}
textarea{font-family:Georgia,serif;font-size:14.5px;line-height:1.5;resize:vertical}
.upload{border:2px dashed #b9c6e4;border-radius:12px;padding:14px;text-align:center;cursor:pointer;color:#2563eb}.upload input{border:0;padding:6px 0 0}
.note{font-size:12px;color:#6b7590;margin:4px 0 12px}.status,.savings{border-radius:12px;padding:14px;font-size:15px;line-height:1.45;background:#eef2fb}
.status b,.savings b{font-size:20px;display:block;margin-bottom:4px}.good{background:#e7f7ee}.warn{background:#fff4e0}.bad{background:#fdecec}.muted{color:#6b7590}
.tabs{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:12px}.tab{border:1px solid #d5dbe8;background:#fff;padding:8px 14px;border-radius:999px;cursor:pointer;font:inherit;font-size:14px}.tab.on{background:#1e3a8a;color:#fff;border-color:#1e3a8a}
.row{display:flex;flex-wrap:wrap;gap:10px;align-items:center;margin-top:12px}.btn{background:#2563eb;color:#fff;border:0;padding:10px 18px;border-radius:10px;font:inherit;font-weight:600;cursor:pointer}.btn.ghost{background:#eef2fb;color:#1e3a8a}
#msg{color:#15803d;font-size:14px}footer{padding:24px 20px 40px}

.hidden{display:none!important}.choices{display:grid;grid-template-columns:1fr 1fr;gap:16px}@media(max-width:760px){.choices{grid-template-columns:1fr}}
.choice{display:flex;flex-direction:column;align-items:center;text-align:center;gap:8px;border:2px solid #d5dbe8;border-radius:16px;padding:24px 18px;background:#fafbff;font:inherit;color:inherit;cursor:pointer}
.choice:hover{border-color:#2563eb}.choice b{font-size:18px}.choice span{color:#5b6580;font-size:14px}.big{font-size:40px}.center{justify-content:center}label.btn{display:inline-block;margin:0;color:#fff}label.btn.ghost{color:#1e3a8a}
.fields{display:grid;grid-template-columns:1fr 1fr;gap:0 16px}@media(max-width:760px){.fields{grid-template-columns:1fr}}
.review{background:#fff8db;border:1px solid #f3d36b;border-radius:12px;padding:12px 14px;margin-bottom:14px;font-size:14px}.review b{display:block;font-size:16px;margin-bottom:2px}
.auto{background:#fff3b0!important;border-color:#e0b400!important}.tag{font-size:11px;font-weight:700;color:#8a6d00;margin-left:6px}
.busy{opacity:.6;pointer-events:none}
input[hidden]{display:none!important}

.x{display:none}.wide2{grid-column:1/-1}.tips{margin-top:12px}.tips ul{margin:6px 0 0;padding-left:20px;font-size:14.5px;line-height:1.5}.tips li{margin-bottom:6px}
.tips h3{font-size:15px;margin:0}.tips:empty{display:none}.tips{background:#f7f9ff;border:1px solid #e3e8f2;border-radius:12px;padding:12px 14px}
@media(max-width:760px){.wide2{grid-column:auto}}