:root{--navy:#112f46;--navy2:#1d4761;--green:#078365;--mint:#e7f4ef;--ink:#18272f;--muted:#66767e;--line:#d7e1e4;--paper:#f4f7f7;--white:#fff;--danger:#b9312e;--shadow:0 14px 36px rgba(17,47,70,.10)}*{box-sizing:border-box}html{font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:var(--paper)}body{margin:0;min-height:100vh}.app-header{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:calc(18px + env(safe-area-inset-top)) max(18px,env(safe-area-inset-right)) 18px max(18px,env(safe-area-inset-left));display:flex;align-items:center;justify-content:space-between;gap:16px}.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:.75rem;color:#a9d8c8;font-weight:800}.app-header h1{font-size:1.35rem;line-height:1.2;margin:.2rem 0 0}.icon-button{border:1px solid rgba(255,255,255,.28);background:rgba(255,255,255,.1);color:#fff;border-radius:12px;padding:9px 11px;font-size:1.2rem;display:grid;place-items:center;cursor:pointer}.icon-button span{font-size:.68rem}.shell{width:min(100%,1040px);margin:auto;padding:16px 14px 50px}.result-card{background:var(--navy);color:#fff;border-radius:20px;padding:20px;box-shadow:var(--shadow);margin-bottom:16px;position:relative;overflow:hidden}.result-card:after{content:"";position:absolute;width:160px;height:160px;border:35px solid rgba(255,255,255,.035);border-radius:50%;right:-75px;top:-80px}.result-label{font-size:.85rem;color:#bbd7d0;font-weight:700}.shortfall{font-size:2.3rem;line-height:1.05;font-weight:850;letter-spacing:-.04em;margin:8px 0 4px}.status{font-size:.9rem;color:#d3e3df}.result-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:18px 0 14px}.result-grid div{background:rgba(255,255,255,.08);padding:11px;border-radius:12px}.result-grid span{display:block;color:#bbd7d0;font-size:.75rem;margin-bottom:4px}.result-grid strong{font-size:1.05rem}.action-row{display:grid;grid-template-columns:1.3fr 1fr;gap:9px;position:relative;z-index:1}button{font:inherit}.primary,.secondary{min-height:46px;border-radius:12px;font-weight:800;cursor:pointer}.primary{background:var(--green);color:#fff;border:0}.secondary{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.35)}form{display:grid;gap:14px}.form-card,.breakdown{background:var(--white);border:1px solid var(--line);border-radius:16px;padding:17px;box-shadow:0 3px 12px rgba(17,47,70,.04)}.section-heading{display:flex;gap:11px;align-items:flex-start;margin-bottom:16px}.section-heading>span{width:28px;height:28px;display:grid;place-items:center;border-radius:9px;background:var(--mint);color:var(--green);font-weight:850;flex:0 0 auto}.section-heading h2{font-size:1.05rem;margin:2px 0 2px}.section-heading p{font-size:.82rem;color:var(--muted);margin:0}label{display:block;font-size:.88rem;font-weight:700;margin-top:13px}.hint{font-weight:500;color:var(--muted);font-size:.78rem;display:block;margin-top:2px}input[type=text],select{width:100%;min-height:48px;border:1px solid #c9d5d9;background:#fbfcfc;border-radius:11px;padding:0 13px;margin-top:6px;font:inherit;font-size:1rem;color:var(--ink)}input:focus,select:focus,button:focus-visible,summary:focus-visible{outline:3px solid rgba(7,131,101,.2);border-color:var(--green)}.money-field{position:relative}.money-field span{position:absolute;left:13px;top:20px;color:var(--muted);font-weight:600}.money-field input{padding-left:34px;text-align:right;font-variant-numeric:tabular-nums}.two-up{display:grid;grid-template-columns:1fr 1fr;gap:12px}.switch-label{background:#f6f9f9;border:1px solid var(--line);border-radius:11px;padding:12px;display:flex;align-items:center;justify-content:space-between;align-self:end;min-height:70px}.switch-label input{appearance:none;width:44px;height:26px;background:#c7d1d4;border-radius:999px;position:relative;transition:.2s;flex:0 0 auto}.switch-label input:after{content:"";position:absolute;width:20px;height:20px;background:#fff;left:3px;top:3px;border-radius:50%;box-shadow:0 1px 3px #68777d;transition:.2s}.switch-label input:checked{background:var(--green)}.switch-label input:checked:after{transform:translateX(18px)}.business-box{display:grid;grid-template-columns:1.45fr .8fr;gap:12px;background:var(--mint);padding:13px;border-radius:13px;margin-top:14px}.business-box label{margin:0}.info-note,.icop-note{font-size:.8rem;line-height:1.45;color:#37575f;background:#eff7f5;border-left:3px solid var(--green);padding:10px 12px;border-radius:0 9px 9px 0;margin:14px 0 0}.hidden{display:none!important}.breakdown{padding:0;overflow:hidden}.breakdown summary{padding:17px;font-weight:800;cursor:pointer;list-style:none}.breakdown summary:after{content:"＋";float:right;color:var(--green)}.breakdown[open] summary:after{content:"−"}.breakdown dl{margin:0;padding:0 17px 14px}.breakdown dl div{display:flex;justify-content:space-between;gap:15px;border-top:1px solid var(--line);padding:10px 0}.breakdown dt{color:var(--muted)}.breakdown dd{margin:0;font-weight:800;font-variant-numeric:tabular-nums}.disclaimer{font-size:.75rem;line-height:1.5;color:var(--muted);padding:3px 7px 24px}.toast{position:fixed;left:50%;bottom:calc(20px + env(safe-area-inset-bottom));transform:translate(-50%,20px);background:#152e3d;color:#fff;padding:11px 16px;border-radius:10px;opacity:0;pointer-events:none;transition:.2s;z-index:10;font-size:.85rem}.toast.show{opacity:1;transform:translate(-50%,0)}@media(min-width:820px){.app-header{padding-left:max(32px,calc((100vw - 1040px)/2));padding-right:max(32px,calc((100vw - 1040px)/2))}.shell{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(320px,.65fr);gap:20px;align-items:start;padding-top:24px}.result-card{grid-column:2;grid-row:1;position:sticky;top:20px}.shell form{grid-column:1;grid-row:1}.form-card{padding:22px}.amount-list{display:grid;grid-template-columns:1fr 1fr;column-gap:14px}.app-header h1{font-size:1.55rem}}@media(max-width:390px){.two-up,.business-box{grid-template-columns:1fr}.switch-label{min-height:54px}.action-row{grid-template-columns:1fr}.shortfall{font-size:2rem}}