:root{--navy: #272B5E;--gold: #9A6F14;--gold-soft: #F3E6C8;--steel: #6B85B0;--gold-text: #8C6512;--steel-text: #546C98;--bg: #F7F7FA;--paper: #FFFFFF;--ink: #1B1E3A;--muted: #575C7A;--line: #D9DBE6;--field: #FFFFFF;--hi: #FFF4D6;--good: #2F7D5B;--warn: #8A5A00;--bad: #B23A3A;--display: "Source Serif 4", Georgia, "Times New Roman", serif;--body: "Public Sans", system-ui, -apple-system, "Segoe UI", sans-serif;--mono: "JetBrains Mono", ui-monospace, Menlo, Consolas, monospace;color-scheme:light}@media (prefers-color-scheme: dark){:root{--navy: #AEB6F0;--gold: #E2B654;--gold-soft: #3A3220;--steel: #8FA7D0;--gold-text: #E2B654;--steel-text: #8FA7D0;--bg: #12142A;--paper: #1A1D38;--ink: #E8E9F4;--muted: #A3A7C4;--line: #33375C;--field: #14172F;--hi: #3A3220;--good: #5FC197;--warn: #E2B654;--bad: #F08A8A;color-scheme:dark}}*{box-sizing:border-box}body{margin:0;background:var(--bg);color:var(--ink);font:15px/1.55 var(--body)}:root{--bar-h: 44px;--foot-h: 34px;--gutter-l: max(16px, 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14px;border:0;border-radius:8px;background:transparent;font:14px var(--body);color:var(--chip-text);text-decoration:none;cursor:pointer;text-align:left}a.nav-item{padding-left:30px}.nav-item:hover:not(:disabled){background:var(--chip)}.nav-item:disabled{color:var(--muted);opacity:.6;cursor:not-allowed}.nav-item.current{background:var(--accent-soft);color:var(--accent-text);font-weight:600}.nav-item.muted{color:var(--muted);padding-left:30px;cursor:default}.nav-item.muted:hover{background:transparent}.nav-dot{width:6px;height:6px;border-radius:99px;flex:none}.nav-item.current .nav-dot{background:var(--accent)}.side-foot{border-top:1px solid var(--line);padding:16px 10px 0;font-size:12px;color:var(--muted);display:grid;gap:6px}.legal-links{display:flex;gap:12px}.side-foot a,.page-foot a{color:var(--muted)}.side-foot a:hover,.page-foot a:hover{color:var(--ink)}.topbar{position:sticky;top:0;z-index:20;height:56px;display:flex;align-items:center;gap:8px;padding:0 8px 0 4px;background:var(--paper);border-bottom:1px solid var(--line)}.menu-btn{width:44px;height:44px;display:grid;place-items:center;border:0;background:transparent;border-radius:8px;color:var(--ink);cursor:pointer}.topbar-name{flex:1;min-width:0;display:grid;font-size:15px;font-weight:600;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}.topbar-hpds{font-size:11px;font-weight:400;color:var(--muted);letter-spacing:.04em}.version-chip{font-size:12px;color:var(--muted);border:1px solid var(--line);border-radius:6px;padding:3px 7px}.page-foot{padding:12px 16px 24px;font-size:12px;color:var(--muted);display:flex;flex-wrap:wrap;gap:6px 12px}.work{min-width:0;display:flex;flex-direction:column}.v3-main{width:100%;max-width:1240px;box-sizing:border-box;padding:28px 40px 48px;display:grid;gap:22px;align-content:start}.phone .v3-main{padding:20px 16px 16px;gap:18px}[data-layout=v3] h1,[data-layout=v3] h2{color:var(--ink)}.page-head{display:grid;gap:6px}.page-head h1{font:600 34px/1.15 var(--display);letter-spacing:-.01em}.phone .page-head h1{font-size:28px}.crumb{font-size:13px;color:var(--muted)}.who-panel{margin-top:10px;background:var(--paper);border:1px solid var(--line);border-radius:12px;padding:22px 24px;display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,1fr);gap:16px 32px}.who-text{display:grid;gap:12px;align-content:start}.who-h{font:600 22px/1.25 var(--display);margin:0}.who-text p{font-size:14px;line-height:1.6;color:var(--ink);max-width:none}.who-badges{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:8px}.who-badges li{min-height:26px;display:inline-flex;align-items:center;padding:0 10px;border-radius:99px;background:var(--chip);color:var(--chip-text);font-size:12px}.who-steps{list-style:none;margin:0;padding:0;display:grid;gap:12px;align-self:center}.who-steps li{display:flex;gap:12px;align-items:flex-start}.who-steps li>span:last-child{display:grid;gap:2px;font-size:13px;color:var(--muted)}.who-steps b{font-size:14px;font-weight:600;color:var(--ink)}.who-n{width:28px;height:28px;flex:none;border-radius:99px;background:var(--accent-soft);color:var(--accent-text);font-size:13px;font-weight:700;display:grid;place-items:center}@media (max-width: 1099px){.who-panel{grid-template-columns:minmax(0,1fr)}}.phone .who-panel{padding:16px}.phone .who-h{font-size:20px}.who-panel.who-compact{display:grid;grid-template-columns:minmax(0,1fr);gap:8px;padding:12px 14px}.who-compact .who-h{font-size:17px;line-height:1.3}.who-row{display:flex;align-items:center;justify-content:space-between;gap:10px}.who-row p{margin:0;font-size:13px;line-height:1.4;color:var(--muted)}.who-more{flex:none;min-height:44px;padding:0 4px;border:0;background:none;color:var(--accent-text);font:600 14px var(--body);cursor:pointer;white-space:nowrap}.who-pop-layer{position:fixed;top:0;right:0;bottom:0;left:0;z-index:50;background:#0003;display:grid;place-items:start center;padding:72px 16px 16px;overflow-y:auto}.who-pop{position:relative;width:min(560px,100%)}.who-pop .who-panel{margin:0;grid-template-columns:minmax(0,1fr);box-shadow:0 8px 32px #0003;padding-top:28px}.who-pop-close{position:absolute;top:6px;right:6px;width:44px;height:44px;border:0;background:transparent;color:var(--muted);font-size:22px;cursor:pointer;border-radius:8px;z-index:1}[data-layout=v3] input,[data-layout=v3] select,[data-layout=v3] textarea{border-color:#d4d2dc;border-radius:8px;padding:9px 12px}@media (prefers-color-scheme: dark){[data-layout=v3] input,[data-layout=v3] select,[data-layout=v3] textarea{border-color:#4a4756}}[data-layout=v3] input[type=radio],[data-layout=v3] input[type=checkbox]{accent-color:var(--accent)}[data-layout=v3] .btn{border-radius:8px;border-color:#d4d2dc;color:var(--ink);background:var(--paper);font-weight:500}[data-layout=v3] .btn.primary{background:var(--accent);border-color:var(--accent);color:#fff;font-weight:600;min-height:48px;padding:0 28px}[data-layout=v3] .choice-row .seg{display:inline-flex;flex-wrap:wrap;gap:3px;padding:3px;border:1px solid #D4D2DC;border-radius:8px;background:var(--paper)}[data-layout=v3] .seg button{border:0;border-radius:6px;background:transparent;color:var(--chip-text);font-weight:500;min-height:36px;padding:0 14px}[data-layout=v3] .seg button[aria-checked=true]{background:var(--accent-soft);color:var(--accent-text);font-weight:600}[data-layout=v3] .choice-label{font:600 13px var(--body);color:var(--ink);min-width:0}[data-layout=v3] .modes label{border-radius:8px;min-height:40px}[data-layout=v3] .modes label:has(input:checked){border-color:var(--accent-line);background:var(--accent-soft)}[data-layout=v3] .section-label{font:600 22px var(--display);text-transform:none;letter-spacing:0;color:var(--ink);margin:8px 0 4px}[data-layout=v3] .card{border-radius:12px}[data-layout=v3] .card-title{color:var(--ink);font-size:16px}[data-layout=v3] legend{text-transform:none;letter-spacing:0;font-size:13px;color:var(--ink)}[data-layout=v3] .info-btn{border-color:#a9a6b6;font:700 11px/1 var(--body);font-style:normal}.rate-row{display:grid;grid-template-columns:120px minmax(0,1fr);gap:8px}.phone .v3-main input,.phone .v3-main select,.phone .v3-main .btn,.phone .seg button{min-height:44px}.phone .choice-row .choice-label{flex-basis:auto}.phone .choice-row .seg{flex-basis:100%}@media (min-width: 1440px){[data-layout=v3] .v3-shell:not(.phone) .form:not(.split){grid-template-columns:minmax(0,1fr) 320px;align-items:start;column-gap:20px}[data-layout=v3] .v3-shell:not(.phone) .form:not(.split)>h2,[data-layout=v3] .v3-shell:not(.phone) .form:not(.split)>.row{grid-column:1 / -1}[data-layout=v3] .v3-shell:not(.phone) .form:not(.split)>#card-team{grid-column:1;grid-row:2 / span 2}[data-layout=v3] .v3-shell:not(.phone) .form:not(.split)>#card-plan{grid-column:2;grid-row:2}[data-layout=v3] .v3-shell:not(.phone) .form:not(.split)>#card-refine{grid-column:2;grid-row:3}[data-layout=v3] .v3-shell:not(.phone) #card-plan .grid,[data-layout=v3] .v3-shell:not(.phone) #card-refine .grid{grid-template-columns:minmax(0,1fr)}[data-layout=v3] table.team{min-width:0;table-layout:fixed}[data-layout=v3] .team th:nth-child(1),[data-layout=v3] .team td:nth-child(1){width:24px}[data-layout=v3] .team th:nth-child(2),[data-layout=v3] .team td:nth-child(2){width:72px}[data-layout=v3] .team th:nth-child(3),[data-layout=v3] .team td:nth-child(3){width:140px}[data-layout=v3] .team th:nth-child(4),[data-layout=v3] .team td:nth-child(4){width:92px}[data-layout=v3] .team th:nth-child(5),[data-layout=v3] .team td:nth-child(5){width:164px}[data-layout=v3] .team th:nth-child(6),[data-layout=v3] .team td:nth-child(6){width:52px}[data-layout=v3] .team th:nth-child(7),[data-layout=v3] .team td:nth-child(7){width:56px}[data-layout=v3] .team th:nth-child(8),[data-layout=v3] .team td:nth-child(8){width:28px}[data-layout=v3] .team td select,[data-layout=v3] .team td input{width:100%}[data-layout=v3] .team th,[data-layout=v3] .team td{padding-left:4px;padding-right:4px}}[data-layout=v3]{--good-bg: #E6F3EC;--warn-bg: #FDF1DC;--bad-bg: #FBEAE8;--info-bg: #E8EEF8;--info: #2D4E80;--bar: #B3B0C0;--bar-strong: #4E4B5E;--track: #F3F2F6}@media (prefers-color-scheme: dark){[data-layout=v3]{--good-bg: #16301F;--warn-bg: #3A2C12;--bad-bg: #3A1F1E;--info-bg: #1B2638;--info: #A3C0F2;--bar: #5A5768;--bar-strong: #A4A1B2;--track: #2A2833}}.v3-readout{display:grid;gap:22px;min-width:0}.results-bar{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:10px;margin-top:-8px}.run-chip{display:inline-flex;align-items:center;min-height:40px;padding:0 14px;border:1px solid var(--line);border-radius:8px;background:var(--paper);font-size:13px}.v3-readout .results-bar .btn{min-height:40px;padding:0 16px}.decision{background:var(--paper);border:1px solid var(--line);border-radius:12px;padding:20px 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h3{margin:0;font-size:16px;font-weight:600;color:var(--ink)}.v3-card-head{display:flex;flex-wrap:wrap;align-items:baseline;justify-content:space-between;gap:6px 12px}.v3-card-head>span{font-size:13px;color:var(--muted)}.v3-card p{font-size:14px;line-height:1.6;max-width:none}.v3-sub{font-size:13px;font-weight:600}.v3-note{font-size:12px!important;color:var(--muted)}.v3-card .next{font-weight:500;color:var(--ink)}.v3-card .flag-list li{line-height:1.55;color:var(--chip-text)}.flag-name.good{color:var(--good)}.flag-name.warn{color:var(--warn)}.flag-name.bad{color:var(--bad)}.flag-name.info{color:var(--info)}[data-layout=v3] .v3-card .pill{border:0;text-transform:none;letter-spacing:0;font:600 12px var(--body);padding:4px 9px}[data-layout=v3] .pill.good{background:var(--good-bg)}[data-layout=v3] .pill.warn{background:var(--warn-bg)}[data-layout=v3] .pill.bad{background:var(--bad-bg)}[data-layout=v3] .pill.info{background:var(--info-bg);color:var(--info)}.v3-card .btn.primary{display:flex;align-items:center;justify-content:center;min-height:44px;text-align:center}.range{position:relative;height:96px;margin:0 12px}.range-track{position:absolute;left:0;right:0;top:42px;height:12px;background:var(--track);border-radius:99px}.range-band{position:absolute;top:42px;height:12px;background:#cfc7f2;border-radius:99px}.range-band.strong{top:38px;height:20px;border-radius:6px}.range-past{position:absolute;left:0;top:42px;height:12px;background:var(--line);border-radius:99px 0 0 99px}.range-mid{position:absolute;top:34px;width:3px;height:28px;margin-left:-1.5px;background:var(--accent);border-radius:2px}.range-line{position:absolute;top:30px;height:36px;border-left:2px dashed var(--muted)}.range-plan{position:absolute;top:39px;width:18px;height:18px;margin-left:-9px;transform:rotate(45deg);background:var(--ink);border-radius:3px}.range-plan.bad{background:var(--bad)}.range-tag{position:absolute;transform:translate(-50%);font-size:12px;white-space:nowrap;color:var(--muted)}.range-tag.up{top:8px;font-weight:600}.range-tag.down{top:70px}.range-tag.accent{color:var(--accent-text)}.range-tag.bad{color:var(--bad)}.range-tag.muted{color:var(--muted);font-weight:400}.range-tag.end-l{left:0;transform:none}.range-tag.end-r{right:0;transform:none}@media (prefers-color-scheme: dark){[data-layout=v3] .range-band{background:#6a5cc4}}.cols{display:grid;grid-auto-flow:column;grid-auto-columns:minmax(0,1fr);gap:10px;align-items:end;height:96px}.col{display:flex;flex-direction:column;align-items:center;gap:4px;justify-content:flex-end;height:100%}.col-v{font-size:12px;color:var(--chip-text)}.col-bar{width:100%;max-width:56px;border-radius:6px 6px 2px 2px;background:#cfc7f2}@media (prefers-color-scheme: dark){[data-layout=v3] .col-bar{background:#6a5cc4}}[data-layout=v3] .wf{max-width:none;gap:10px}[data-layout=v3] .wf-row{grid-template-columns:190px minmax(0,1fr) 80px;gap:14px}[data-layout=v3] .wf-label{font-size:14px;color:var(--chip-text);text-align:left}[data-layout=v3] .wf-track{background:var(--track);border-radius:4px}[data-layout=v3] .wf-total{background:var(--bar-strong)}[data-layout=v3] .wf-step{background:var(--bar)}[data-layout=v3] .wf-row:last-child .wf-total{background:var(--accent)}[data-layout=v3] .wf-row:last-child .wf-label,[data-layout=v3] .wf-row:last-child .wf-value{color:var(--accent-text);font-weight:600}[data-layout=v3] .wf-value{font:14px var(--body);text-align:right}.money{display:grid;grid-template-columns:1fr 1fr;gap:12px}.money div{display:grid;gap:4px}.money span{font-size:12px;color:var(--muted)}.money b{font:600 26px var(--display);font-variant-numeric:tabular-nums lining-nums;color:var(--ink)}.money b.bad{color:var(--bad)}.assume{margin:0;padding-left:18px;display:grid;gap:6px;font-size:13px;line-height:1.5;color:var(--chip-text)}.caution{margin:0;padding:10px 12px;border-radius:8px;background:var(--warn-bg);color:var(--warn);font-size:13px!important;line-height:1.5}[data-layout=v3] .v3-readout .card{background:var(--paper);border-radius:12px}[data-layout=v3] .v3-readout .later{padding:0 4px}[data-layout=v3] .v3-readout .later .link{color:var(--accent-strong)}@media (max-width: 1099px){.analysis{grid-template-columns:minmax(0,1fr)}}@media (max-width: 899px){.kpis{grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}}.phone .decision{padding:16px}.phone .decision-h{font-size:17px}.phone .options{grid-template-columns:minmax(0,1fr)}.phone .kpi{padding:14px;gap:8px}.phone .kpi-figure{font-size:30px}.phone .kpi-label{font-size:12px;margin-bottom:6px}.phone .v3-card{padding:16px}.phone .analysis-h{font-size:20px}.phone .wf-row{grid-template-columns:112px minmax(0,1fr) 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fieldset{display:grid;gap:8px}.form.split .history-field{gap:8px}.form.split .history-boxes{gap:6px}.form.split .history-box input{width:52px;height:44px;font-size:17px}.form.split .history-add{height:44px;padding:0 12px}.form.split .history-sum:empty{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}.form.split .grid.defaults{grid-template-columns:repeat(2,minmax(0,1fr))}.phone .form.split .grid.defaults{grid-template-columns:minmax(0,1fr)}.form.split .form-col>.row .btn.primary,.phone .form.split>.row .btn.primary{width:100%}