:root{--ink:#182125;--muted:#687579;--yellow:#f5c93d;--red:#d63632;--green:#26775d}*{box-sizing:border-box}body{color:var(--ink);background:#f3f0e7;margin:0;font-family:Arial,sans-serif}button,input,select{font:inherit}.hero{background:var(--yellow);border-bottom:5px solid var(--ink);padding:28px max(24px,50vw - 590px)}.brand{align-items:center;gap:12px;display:flex}.cross{background:var(--red);color:#fff;border-radius:50%;place-items:center;width:42px;height:42px;font-size:32px;font-weight:900;display:grid}.brand strong,.brand small{display:block}.brand small{font-size:11px}.hero-copy{max-width:850px;padding:58px 0 48px}.eyebrow{text-transform:uppercase;letter-spacing:.18em;font-size:13px;font-weight:900}.hero h1{letter-spacing:-.055em;margin:0;font-size:clamp(42px,6vw,74px);line-height:.98}.hero-copy>p:last-child{max-width:690px;font-size:19px;line-height:1.55}.layout{grid-template-columns:1.25fr .75fr;gap:24px;max-width:1180px;margin:42px auto;padding:0 24px;display:grid}.panel{border:2px solid var(--ink);box-shadow:6px 6px 0 var(--ink);background:#fff;border-radius:20px;padding:28px}.section-title{align-items:center;gap:14px;margin-bottom:24px;display:flex}.section-title>span{background:var(--ink);color:#fff;border-radius:50%;place-items:center;width:38px;height:38px;font-weight:900;display:grid}.section-title h2{margin:0;font-size:24px}.section-title p{color:var(--muted);margin:3px 0;font-size:13px}.toggle{background:#ece9df;border-radius:12px;margin-bottom:20px;padding:4px;display:flex}.toggle button{cursor:pointer;background:0 0;border:0;border-radius:9px;width:50%;padding:12px;font-weight:800}.toggle .active{background:var(--yellow);box-shadow:0 2px #b99629}.grid2{grid-template-columns:1fr 1fr;gap:18px;display:grid}.field{flex-direction:column;gap:7px;display:flex}.field>span{font-size:13px;font-weight:800}.field small{color:var(--muted);font-size:11px}.money-input{border:1.5px solid #aeb5b4;border-radius:9px;display:flex;overflow:hidden}.money-input b{background:#eeeae0;padding:12px;font-size:12px}.money-input input{border:0;outline:0;width:100%;min-width:0;padding:12px;font-weight:800}.field select{background:#fff;border:1.5px solid #aeb5b4;border-radius:9px;padding:12px;font-weight:800}.results{background:#fffdf6}.score{background:var(--ink);color:#fff;border-radius:14px;margin-bottom:14px;padding:18px}.score small,.score strong{display:block}.score strong{font-size:38px}.bar{background:#465155;border-radius:99px;height:8px;overflow:hidden}.bar i{background:var(--yellow);height:100%;display:block}.scenario{border:2px solid var(--ink);border-radius:14px;margin:12px 0;padding:16px}.scenario>div,.scenario p{justify-content:space-between;gap:8px;display:flex}.scenario span{font-weight:900}.scenario small{color:var(--muted);font-size:10px}.scenario>strong{margin:10px 0;font-size:27px;display:block}.scenario>strong small{margin-left:4px}.scenario p{font-size:12px}.disease{border-left:8px solid var(--red)}.accident{border-left:8px solid var(--green)}.reserve-card{background:#ede9df;border-radius:14px;padding:16px}.reserve-card h3{margin:0 0 12px;font-size:14px}.reserve-numbers{grid-template-columns:1fr 1fr;display:grid}.reserve-numbers small,.reserve-numbers b{display:block}.reserve-numbers small{color:var(--muted);font-size:10px}.reserve-card p{font-size:11px}.ok{color:var(--green);font-weight:800}.warn{color:var(--red);font-weight:800}.action{background:var(--yellow);border:2px solid var(--ink);border-radius:14px;margin-top:14px;padding:17px}.action small,.action strong{display:block}.action strong{font-size:23px}.action p{font-size:10px}.explain{max-width:1180px;margin:64px auto;padding:0 24px}.explain h2{font-size:34px}.cards{grid-template-columns:repeat(3,1fr);gap:18px;display:grid}.cards article{border:1.5px solid var(--ink);background:#fff;border-radius:14px;padding:22px}.cards article>b{background:var(--yellow);border:1px solid var(--ink);border-radius:50%;place-items:center;width:30px;height:30px;display:grid}.cards p{color:var(--muted);font-size:13px;line-height:1.6}footer{background:var(--ink);color:#fff;margin-top:70px;padding:38px max(24px,50vw - 590px)}footer>strong{color:var(--yellow)}footer>p{color:#d6dede;max-width:980px;font-size:12px;line-height:1.7}footer>div{border-top:1px solid #465155;justify-content:space-between;padding-top:18px;font-size:11px;display:flex}@media (max-width:800px){.hero-copy{padding:42px 0 30px}.layout{grid-template-columns:1fr;margin-top:24px}.panel{box-shadow:4px 4px 0 var(--ink);padding:20px}.grid2,.cards{grid-template-columns:1fr}.hero-copy>p:last-child{font-size:16px}footer>div{flex-direction:column;gap:12px}}