:root{--ink:#17211b;--muted:#65736d;--line:#d7e0dc;--surface:#fff;--surface-soft:#f4f7f5;--surface-warm:#fbfcfb;--accent:#0f766e;--accent-strong:#0b5f59;--accent-soft:#e8f5f2;--gold:#a86f18;--navy:#243449;--plum:#6d4777;--danger:#b42318;--shadow-sm:0 1px 2px #17211b0d, 0 8px 20px #17211b0f;--shadow-md:0 18px 42px #17211b17}*{box-sizing:border-box}html,body{min-height:100%;margin:0}html{scroll-behavior:smooth}body{color:var(--ink);letter-spacing:0;background:linear-gradient(#e8f5f294,#f8faf800 260px),#f6f8f6;font-family:Arial,Helvetica,sans-serif}button,input,select{font:inherit}button{cursor:pointer}button:disabled{cursor:not-allowed;opacity:.62}.appShell{width:min(1240px,100% - 32px);margin:0 auto;padding:18px 0 42px}.topBar{z-index:20;box-shadow:var(--shadow-sm);-webkit-backdrop-filter:blur(18px);backdrop-filter:blur(18px);background:#ffffffe0;border:1px solid #d7e0dce6;border-radius:8px;justify-content:space-between;align-items:center;gap:16px;margin:0 0 18px;padding:12px;display:flex;position:sticky;top:0}.brandBlock{align-items:center;gap:10px;min-width:0;display:flex}.brandBlock p{color:var(--muted);margin:4px 0 0;font-size:12px;font-weight:700}.brandMark{background:var(--navy);color:#fff;border-radius:8px;flex:none;place-items:center;width:44px;height:44px;font-size:14px;font-weight:900;display:grid}.topNav{border:1px solid var(--line);background:#f8faf8;border-radius:8px;align-items:center;gap:4px;min-height:40px;padding:4px;display:flex}.topNav a{min-height:32px;color:var(--muted);white-space:nowrap;border-radius:6px;align-items:center;padding:6px 10px;font-size:13px;font-weight:800;text-decoration:none;display:inline-flex}.topNav a:hover{color:var(--accent-strong);background:#fff;box-shadow:0 1px 5px #17211b14}.topActions{align-items:center;gap:10px;display:flex}.languageSwitch{border:1px solid var(--line);background:var(--surface);border-radius:8px;grid-template-columns:repeat(2,44px);min-height:40px;display:grid;overflow:hidden}.languageSwitch button{color:var(--muted);background:0 0;border:0;font-size:13px;font-weight:800}.languageSwitch button.active{background:var(--navy);color:#fff}h1,h2{letter-spacing:0;margin:0}h1{color:var(--ink);font-size:28px;line-height:1.1}h2{font-size:18px}.trustMark,.sectionHeader,.buttonRow,.checkboxLine{align-items:center;display:flex}.trustMark{border:1px solid var(--line);background:var(--accent-soft);min-height:40px;color:var(--accent-strong);white-space:nowrap;border-radius:8px;gap:8px;padding:8px 12px;font-weight:700}.workspace{grid-template-columns:minmax(0,1.35fr) minmax(340px,.85fr);align-items:start;gap:18px;display:grid}.calculatorPanel,.premiumPanel,.tablePanel{border:1px solid var(--line);background:var(--surface);box-shadow:var(--shadow-md);border-radius:8px}.calculatorPanel,.premiumPanel{padding:22px}.premiumPanel{border-top:4px 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var(--line);background:#f8faf8;border-radius:8px;margin-top:16px;padding:16px}.lumpSumHeader{justify-content:space-between;align-items:center;gap:12px;margin-bottom:12px;display:flex}.lumpSumHeader h3{margin:0;font-size:15px}.lumpSumHeader span{color:var(--muted);font-size:13px;font-weight:700}.lumpSumInputs{grid-template-columns:minmax(100px,.7fr) minmax(140px,1fr) auto;align-items:end;gap:10px;display:grid}.lumpSumList{gap:8px;margin-top:12px;display:grid}.lumpSumItem{border:1px solid var(--line);background:var(--surface);border-radius:8px;grid-template-columns:minmax(70px,.7fr) minmax(120px,1fr) 36px;align-items:center;gap:10px;min-height:44px;padding:7px 7px 7px 10px;display:grid;box-shadow:0 1px 4px #17211b0a}.lumpSumItem span{color:var(--muted);font-size:13px;font-weight:700}.lumpSumItem strong{font-size:14px}.primaryButton,.secondaryButton{border:1px solid #0000;border-radius:8px;justify-content:center;align-items:center;gap:8px;min-height:42px;padding:10px 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