*{margin:0;padding:0;box-sizing:border-box}#benefit-calculator{padding:2rem 1rem;color:#1e293b}.calculator-container{margin:0 auto;background:#fff;border-radius:16px;box-shadow:0 4px 6px #00000012,0 10px 20px #0000001a;overflow:hidden}.calculator-header{background:linear-gradient(135deg,#1e40af,#3b82f6);color:#fff;padding:3rem 2rem;text-align:center}.header-badge{display:inline-flex;align-items:center;gap:.5rem;padding:.5rem 1rem;background:#ffffff26;backdrop-filter:blur(10px);border-radius:999px;border:1px solid rgba(255,255,255,.2);font-size:.875rem;font-weight:600;margin-bottom:1rem}.header-icon{width:1.25rem;height:1.25rem;stroke-width:2}.main-title{font-size:2.75rem;font-weight:700;margin-bottom:.75rem;line-height:1.2;letter-spacing:-.025em}.subtitle{font-size:1.125rem;line-height:1.6;opacity:.95;max-width:900px;margin:0 auto}.loading-screen{padding:4rem 2rem;text-align:center}.loading-content{display:flex;flex-direction:column;align-items:center;gap:1.5rem}.spinner{width:60px;height:60px;border:4px solid #e2e8f0;border-top-color:#3b82f6;border-radius:50%;animation:spin .8s linear infinite}@keyframes spin{to{transform:rotate(360deg)}}.loading-text{font-size:1.125rem;color:#64748b;font-weight:500}.main-content{animation:fadeIn .5s ease-out}@keyframes fadeIn{0%{opacity:0;transform:translateY(20px)}to{opacity:1;transform:translateY(0)}}.form-section{padding:3rem 2rem;border-bottom:1px solid #e2e8f0}.section-title{font-size:2rem;font-weight:700;color:#0f172a;margin-bottom:.5rem}.section-description{font-size:1.125rem;color:#64748b;line-height:1.6;margin-bottom:2.5rem}.benefit-form{display:flex;flex-direction:column;gap:2rem}.form-group{display:flex;flex-direction:column;gap:.5rem}.form-label{display:flex;flex-direction:column;gap:.25rem}.label-text{font-size:1.125rem;font-weight:600;color:#0f172a}.label-hint{font-size:1rem;color:#64748b;font-weight:400}.input-hint{font-size:.95rem;color:#64748b;margin-top:.25rem}.form-input{font-size:1.25rem;padding:1rem 1.25rem;border:2px solid #cbd5e1;border-radius:10px;background:#fff;color:#0f172a;font-family:inherit;transition:all .2s ease;width:100%}.form-input:hover{border-color:#94a3b8}.form-input:focus{outline:none;border-color:#3b82f6;box-shadow:0 0 0 4px #3b82f61a}.form-input::placeholder{color:#94a3b8}.input-with-prefix{position:relative;display:flex;align-items:center}.input-prefix{position:absolute;left:1.25rem;font-size:1.25rem;font-weight:600;color:#64748b;pointer-events:none;z-index:1}.form-input--with-prefix{padding-left:2.5rem}.select-wrapper{position:relative}.form-select{font-size:1.25rem;padding:1rem 3rem 1rem 1.25rem;border:2px solid #cbd5e1;border-radius:10px;background:#fff;color:#0f172a;font-family:inherit;transition:all .2s ease;width:100%;cursor:pointer;appearance:none}.form-select:hover{border-color:#94a3b8}.form-select:focus{outline:none;border-color:#3b82f6;box-shadow:0 0 0 4px #3b82f61a}.select-arrow{position:absolute;right:1.25rem;top:50%;transform:translateY(-50%);width:1.5rem;height:1.5rem;color:#64748b;pointer-events:none}.toggles-grid{display:grid;grid-template-columns:1fr;gap:2rem}.toggle-label{display:flex;flex-direction:column;gap:.75rem}.toggle-switch-wrapper{position:relative}.toggle-input{position:absolute;opacity:0;width:0;height:0}.toggle-switch{position:relative;display:flex;align-items:center;justify-content:space-between;width:100%;height:60px;background:#f1f5f9;border:2px solid #cbd5e1;border-radius:10px;padding:.5rem;cursor:pointer;transition:all .3s ease}.toggle-switch:hover{border-color:#94a3b8}.toggle-input:focus+.toggle-switch{border-color:#3b82f6;box-shadow:0 0 0 4px #3b82f61a}.toggle-option{position:relative;z-index:2;flex:1;text-align:center;font-size:1.125rem;font-weight:600;color:#64748b;transition:color .3s ease;padding:.75rem}.toggle-slider{position:absolute;top:.5rem;left:.5rem;width:calc(50% - .5rem);height:calc(100% - 1rem);background:linear-gradient(135deg,#1e40af,#3b82f6);border-radius:6px;transition:transform .3s cubic-bezier(.4,0,.2,1);box-shadow:0 2px 8px #1e40af4d}.toggle-input:checked+.toggle-switch .toggle-slider{transform:translate(100%)}.toggle-input:not(:checked)+.toggle-switch .toggle-option--left,.toggle-input:checked+.toggle-switch .toggle-option--right{color:#fff}.submit-button{display:inline-flex;align-items:center;justify-content:center;gap:.75rem;padding:1.25rem 2rem;font-size:1.25rem;font-weight:700;color:#fff;background:linear-gradient(135deg,#1e40af,#3b82f6);border:none;border-radius:10px;cursor:pointer;font-family:inherit;transition:all .2s ease;box-shadow:0 4px 12px #1e40af4d,0 2px 4px #0000001a;margin-top:1rem}.submit-button:hover{transform:translateY(-2px);box-shadow:0 6px 16px #1e40af66,0 3px 6px #00000026}.submit-button:active{transform:translateY(0)}.submit-button:focus{outline:none;box-shadow:0 4px 12px #1e40af4d,0 0 0 4px #3b82f633}.submit-button:disabled{opacity:.6;cursor:not-allowed;transform:none}.button-icon{width:1.5rem;height:1.5rem;stroke-width:2}.results-section{padding:3rem 2rem;animation:slideIn .5s ease-out}@keyframes slideIn{0%{opacity:0;transform:translate(20px)}to{opacity:1;transform:translate(0)}}.results-header{margin-bottom:2.5rem}.results-grid{display:grid;grid-template-columns:1fr;gap:1.5rem;margin-bottom:2.5rem}.benefit-card{padding:1.75rem;background:#fff;border:2px solid #e2e8f0;border-radius:12px;transition:all .3s ease;animation:cardAppear .4s ease-out backwards}@keyframes cardAppear{0%{opacity:0;transform:translateY(20px)}to{opacity:1;transform:translateY(0)}}.benefit-card:hover{border-color:#cbd5e1;box-shadow:0 4px 12px #00000014;transform:translateY(-2px)}.benefit-card--high{border-color:#10b981;background:linear-gradient(135deg,#fff,#f0fdf4)}.benefit-card--medium{border-color:#f59e0b;background:linear-gradient(135deg,#fff,#fffbeb)}.benefit-card--low{border-color:#94a3b8}.benefit-card__header{display:flex;justify-content:space-between;align-items:flex-start;margin-bottom:1.5rem}.benefit-card__title{font-size:1.5rem;font-weight:700;color:#0f172a;margin-bottom:.25rem}.benefit-card__description{font-size:1rem;color:#64748b;line-height:1.5}.benefit-card__score{display:flex;flex-direction:column;align-items:flex-end;gap:.25rem}.benefit-card__percentage{font-size:2.5rem;font-weight:700;line-height:1}.benefit-card__percentage--high{color:#10b981}.benefit-card__percentage--medium{color:#f59e0b}.benefit-card__percentage--low{color:#64748b}.benefit-card__label{white-space:nowrap;font-size:.5rem;font-weight:600;text-transform:uppercase;letter-spacing:.05em;padding:.25rem .75rem;border-radius:999px}.benefit-card__label--high{color:#10b981;background:#d1fae5}.benefit-card__label--medium{color:#f59e0b;background:#fed7aa}.benefit-card__label--low{color:#64748b;background:#e2e8f0}.benefit-card__progress{margin-bottom:1rem}.progress-label{display:flex;justify-content:space-between;align-items:center;margin-bottom:.75rem}.progress-text{font-size:1rem;font-weight:600;color:#475569}.progress-bar{height:12px;background:#e2e8f0;border-radius:999px;overflow:hidden}.progress-fill{height:100%;transition:width .8s cubic-bezier(.4,0,.2,1);border-radius:999px}.progress-fill--high{background:linear-gradient(90deg,#10b981,#059669)}.progress-fill--medium{background:linear-gradient(90deg,#f59e0b,#d97706)}.progress-fill--low{background:linear-gradient(90deg,#94a3b8,#64748b)}.benefit-card__details{padding:1.25rem;background:#f8fafc;border-radius:8px;margin-top:1rem}.benefit-card__details p{font-size:1rem;color:#475569;line-height:1.6;margin-bottom:.75rem}.benefit-card__details p:last-child{margin-bottom:0}.benefit-card__details strong{color:#0f172a;font-weight:600}.results-footer{display:flex;flex-direction:column;gap:1.5rem;padding-top:2rem;border-top:1px solid #e2e8f0}.disclaimer{display:flex;gap:1rem;padding:1.5rem;background:#f0f9ff;border:1px solid #bfdbfe;border-radius:10px}.disclaimer-icon{flex-shrink:0;width:1.5rem;height:1.5rem;color:#3b82f6;stroke-width:2;margin-top:.125rem}.disclaimer p{font-size:1rem;color:#1e40af;line-height:1.6}.disclaimer strong{font-weight:700}.disclaimer a{color:#1e40af;text-decoration:underline;font-weight:600}.disclaimer a:hover{color:#1e3a8a}.recalculate-button{display:inline-flex;align-items:center;justify-content:center;gap:.75rem;padding:1rem 1.5rem;font-size:1.125rem;font-weight:600;color:#3b82f6;background:#fff;border:2px solid #3b82f6;border-radius:10px;cursor:pointer;font-family:inherit;transition:all .2s ease}.recalculate-button:hover{background:#eff6ff;transform:translateY(-2px);box-shadow:0 4px 12px #3b82f633}.recalculate-button:active{transform:translateY(0)}.recalculate-button:focus{outline:none;box-shadow:0 0 0 4px #3b82f633}@media (min-width: 768px){#benefit-calculator{padding:3rem 2rem}.main-title{font-size:3.5rem}.toggles-grid,.results-grid{grid-template-columns:repeat(2,1fr)}}@media (min-width: 1024px){.toggles-grid{grid-template-columns:repeat(3,1fr)}}@media (prefers-contrast: high){.form-input,.form-select,.toggle-switch,.submit-button,.recalculate-button{border-width:3px}}@media (prefers-reduced-motion: reduce){*{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important}}