:root{--primary-navy: #0f172a;--primary-hover: #1e293b;--accent-emerald: #10b981;--accent-emerald-hover: #059669;--bg-light: #f8fafc;--card-bg: #ffffff;--text-main: #1e293b;--text-muted: #64748b;--border-color: #e2e8f0;--risk-low: #10b981;--risk-medium: #f59e0b;--risk-high: #ef4444;--font-family: "Inter", system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;--radius-sm: 6px;--radius-md: 10px;--shadow-sm: 0 1px 3px rgba(0,0,0,.1);--shadow-md: 0 4px 6px -1px rgba(0,0,0,.1), 0 2px 4px -1px rgba(0,0,0,.06)}*{box-sizing:border-box;margin:0;padding:0}body{font-family:var(--font-family);background-color:var(--bg-light);color:var(--text-main);line-height:1.5;display:flex;flex-direction:column;min-height:100vh}.container{width:100%;max-width:1140px;margin:0 auto;padding:0 1.5rem}.app-header{background-color:var(--primary-navy);color:#fff;padding:1rem 0;box-shadow:var(--shadow-sm)}.header-content{display:flex;justify-content:space-between;align-items:center}.logo-group{display:flex;align-items:center;gap:.75rem}.shield-icon{width:28px;height:28px;color:var(--accent-emerald)}.brand-title{font-size:1.25rem;font-weight:700;letter-spacing:-.02em}.main-nav{display:flex;gap:1.5rem}.nav-link{color:#94a3b8;text-decoration:none;font-weight:500;font-size:.95rem;transition:color .2s}.nav-link:hover,.nav-link.active{color:#fff}.main-content{flex:1;padding-top:2rem;padding-bottom:3rem}.hero-section{text-align:center;margin-bottom:2rem}.hero-section h1{font-size:2rem;color:var(--primary-navy);margin-bottom:.5rem}.hero-section .subtitle{color:var(--text-muted);font-size:1.05rem}.calculator-grid{display:grid;grid-template-columns:1fr 1fr;gap:2rem}@media (max-width: 768px){.calculator-grid{grid-template-columns:1fr}}.card{background-color:var(--card-bg);border:1px solid var(--border-color);border-radius:var(--radius-md);padding:1.75rem;box-shadow:var(--shadow-md)}.card h2{font-size:1.25rem;color:var(--primary-navy);margin-bottom:1.25rem;border-bottom:1px solid var(--border-color);padding-bottom:.75rem}.form-group{margin-bottom:1.25rem}.form-group label{display:block;font-size:.875rem;font-weight:600;margin-bottom:.35rem;color:var(--text-main)}input,select,textarea{width:100%;padding:.65rem .85rem;font-family:inherit;font-size:.95rem;border:1px solid var(--border-color);border-radius:var(--radius-sm);background-color:#fff;transition:border-color .2s,box-shadow .2s}input:focus,select:focus,textarea:focus{outline:none;border-color:var(--accent-emerald);box-shadow:0 0 0 3px #10b98126}.btn{display:inline-flex;justify-content:center;align-items:center;padding:.75rem 1.25rem;font-size:.95rem;font-weight:600;border-radius:var(--radius-sm);border:none;cursor:pointer;transition:background-color .2s,transform .1s}.btn:active{transform:translateY(1px)}.btn-primary{background-color:var(--accent-emerald);color:#fff}.btn-primary:hover{background-color:var(--accent-emerald-hover)}.full-width{width:100%}.result-placeholder{min-height:280px;display:flex;align-items:center;justify-content:center}.empty-state{text-align:center;color:var(--text-muted);max-width:300px}.placeholder-icon{width:48px;height:48px;color:var(--border-color);margin-bottom:.75rem}.quote-card{display:flex;flex-direction:column;gap:1.25rem;width:100%}.quote-header{display:flex;justify-content:space-between;align-items:center}.badge{padding:.25rem .65rem;font-size:.8rem;font-weight:700;border-radius:20px;text-transform:uppercase}.badge-low{background-color:#10b98126;color:var(--risk-low)}.badge-medium{background-color:#f59e0b26;color:var(--risk-medium)}.badge-high{background-color:#ef444426;color:var(--risk-high)}.quote-explanation{font-style:italic;font-size:.925rem;color:var(--text-muted);background:var(--bg-light);padding:.85rem;border-left:3px solid var(--primary-navy);border-radius:0 var(--radius-sm) var(--radius-sm) 0}.quote-metrics{display:grid;grid-template-columns:repeat(3,1fr);gap:.75rem;text-align:center;background:var(--bg-light);padding:1rem;border-radius:var(--radius-sm)}.metric .label{display:block;font-size:.75rem;color:var(--text-muted);text-transform:uppercase;font-weight:600}.metric .value{font-size:1.15rem;font-weight:700;color:var(--primary-navy)}.metric .value.highlight{color:var(--accent-emerald);font-size:1.35rem}.loading-spinner{text-align:center;color:var(--text-muted)}.spinner{width:36px;height:36px;border:4px solid var(--border-color);border-top:4px solid var(--accent-emerald);border-radius:50%;animation:spin 1s linear infinite;margin:0 auto 1rem}@keyframes spin{0%{transform:rotate(0)}to{transform:rotate(360deg)}}.app-footer{background-color:#fff;border-top:1px solid var(--border-color);padding:1.25rem 0;text-align:center;font-size:.85rem;color:var(--text-muted)}