:root{--primary-color:#2563eb;--primary-dark:#1e40af;--success-color:#10b981;--warning-color:#eab308;--error-color:#ef4444;}:root[data-theme="light"],:root:not([data-theme]){--bg-primary:#ffffff;--bg-secondary:#f9fafb;--bg-tertiary:#f3f4f6;--text-primary:#111827;--text-secondary:#1f2937;--text-tertiary:#4b5563;--border-color:#e5e7eb;--input-bg:#ffffff;--input-border:#cbd2d9;--shadow-sm:0 1px 2px rgba(0,0,0,0.05);--shadow-md:0 4px 6px rgba(0,0,0,0.1);--shadow-lg:0 10px 15px rgba(0,0,0,0.1);}:root[data-theme="dark"]{--bg-primary:#0f172a;--bg-secondary:#1e293b;--bg-tertiary:#334155;--text-primary:#f1f5f9;--text-secondary:#e2e8f0;--text-tertiary:#cbd5e1;--border-color:#334155;--input-bg:#1e293b;--input-border:#475569;--shadow-sm:0 1px 2px rgba(0,0,0,0.3);--shadow-md:0 4px 6px rgba(0,0,0,0.4);--shadow-lg:0 10px 15px rgba(0,0,0,0.5);}*,*::before,*::after{box-sizing:border-box;}html{font-size:16px;}body{margin:0;font-family:"Segoe UI",Roboto,Helvetica,Arial,sans-serif;background-color:var(--bg-secondary);color:var(--text-primary);line-height:1.5;transition:background-color 0.3s ease,color 0.3s ease;}a{color:var(--primary-color);text-decoration:none;}a:hover{text-decoration:underline;}.layout{min-height:100vh;display:flex;flex-direction:column;}.layout__header{background:var(--bg-primary);color:var(--text-primary);padding:0;box-shadow:var(--shadow-sm);border-bottom:1px solid var(--border-color);position:sticky;top:0;z-index:1000;transition:background-color 0.3s ease,border-color 0.3s ease,color 0.3s ease;}.layout__brand{max-width:960px;margin:0 auto;display:flex;justify-content:space-between;align-items:center;padding:var(--spacing-sm) var(--spacing-md);}.layout__brand-link{font-size:1.4rem;font-weight:600;color:var(--text-primary);display:flex;align-items:center;text-decoration:none;transition:opacity 0.2s ease;}.layout__brand-link:hover{opacity:0.8;}.layout__logo{height:36px;width:auto;object-fit:contain;}.theme-toggle{background:none;border:none;cursor:pointer;padding:0.5rem;border-radius:6px;transition:background-color 0.2s ease,color 0.3s ease;display:flex;align-items:center;justify-content:center;color:var(--text-tertiary);}.theme-toggle:hover{background-color:var(--bg-secondary);color:var(--text-primary);}.theme-icon{width:20px;height:20px;}.theme-icon-light{display:none;}.theme-icon-dark{display:block;}:root[data-theme="light"] .theme-icon-light{display:block;}:root[data-theme="light"] .theme-icon-dark{display:none;}.layout__main{flex:1;width:100%;max-width:960px;margin:2rem auto;padding:0 1.5rem 3rem;}.flash{max-width:960px;margin:0 auto 1.5rem;padding:0.85rem 1.2rem;border-radius:6px;border:1px solid transparent;}.flash--info{background-color:rgba(37,99,235,0.1);border-color:var(--primary-color);color:var(--primary-color);}.flash--error{background-color:rgba(239,68,68,0.1);border-color:var(--error-color);color:var(--error-color);}.panel{background-color:var(--bg-primary);border-radius:12px;box-shadow:var(--shadow-md);padding:2rem;margin-bottom:2rem;transition:background-color 0.3s ease;}.panel__title{margin:0 0 0.5rem;font-size:1.5rem;font-weight:600;color:var(--text-primary);}.panel__subtitle{margin:0 0 1.5rem;font-size:0.95rem;color:var(--text-tertiary);}.form-grid{display:grid;gap:1.25rem;}@media (min-width:768px){.form-grid--two{grid-template-columns:repeat(2,minmax(0,1fr));}.form-grid--three{grid-template-columns:repeat(3,minmax(0,1fr));}}.field{display:flex;flex-direction:column;gap:0.4rem;min-width:0;}.field label{font-size:0.9rem;font-weight:600;color:var(--text-primary);}.field input,.field select,.field textarea{width:100%;padding:0.65rem 0.75rem;border:1px solid var(--input-border);border-radius:6px;font-size:1rem;background-color:var(--input-bg);color:var(--text-primary);transition:border-color 0.2s ease,box-shadow 0.2s ease,background-color 0.3s ease;}.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--primary-color);outline:none;box-shadow:0 0 0 3px rgba(37,99,235,0.15);}.field input[type="number"]{appearance:textfield;}.field input[type="checkbox"]{width:auto;align-self:flex-start;}.field input:disabled,.field select:disabled,.field textarea:disabled{background-color:var(--bg-tertiary);color:#9aa5b1;cursor:not-allowed;border-color:var(--border-color);}.field--disabled label{color:#9aa5b1;}.field--checkbox{flex-direction:row;align-items:center;gap:0.75rem;}.field--checkbox label{font-weight:500;}.radio-group{display:flex;flex-direction:column;gap:1rem;}.radio-card{position:relative;display:block;cursor:pointer;user-select:none;}.radio-card input[type="radio"]{position:absolute;opacity:0;width:0;height:0;}.radio-card__content{background-color:var(--bg-primary);border:2px solid var(--border-color);border-radius:10px;padding:1.25rem;transition:all 0.2s ease;}.radio-card:hover .radio-card__content{border-color:var(--input-border);box-shadow:0 2px 8px rgba(15,23,42,0.06);}.radio-card input[type="radio"]:checked ~ .radio-card__content{border-color:var(--primary-color);background-color:rgba(37,99,235,0.08);box-shadow:0 4px 12px rgba(37,99,235,0.15);}.radio-card input[type="radio"]:focus-visible ~ .radio-card__content{outline:2px solid var(--primary-color);outline-offset:2px;}.radio-card__header{display:flex;align-items:center;gap:0.75rem;margin-bottom:0.5rem;}.radio-card__indicator{position:relative;width:20px;height:20px;border:2px solid var(--input-border);border-radius:50%;flex-shrink:0;transition:all 0.2s ease;}.radio-card input[type="radio"]:checked ~ .radio-card__content .radio-card__indicator{border-color:var(--primary-color);background-color:var(--primary-color);}.radio-card input[type="radio"]:checked ~ .radio-card__content .radio-card__indicator::after{content:'';position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);width:8px;height:8px;background-color:var(--bg-primary);border-radius:50%;}.radio-card__title{font-size:1.05rem;font-weight:600;color:var(--text-primary);}.radio-card input[type="radio"]:checked ~ .radio-card__content .radio-card__title{color:var(--primary-color);}.radio-card__description{margin:0;font-size:0.9rem;color:var(--text-tertiary);line-height:1.5;padding-left:2rem;}.actions{display:flex;justify-content:flex-end;gap:1rem;margin-top:1.5rem;}.button{display:inline-flex;align-items:center;justify-content:center;font-size:0.95rem;font-weight:600;border-radius:6px;border:1px solid transparent;padding:0.65rem 1.4rem;cursor:pointer;transition:transform 0.15s ease,box-shadow 0.15s ease;}.button:focus-visible{outline:2px solid #1a56db;outline-offset:2px;}.button--primary{background-color:#1a56db;color:#ffffff;box-shadow:0 8px 20px rgba(26,86,219,0.25);}.button--primary:hover{background-color:#164bb5;transform:translateY(-1px);}.button--secondary{background-color:var(--bg-tertiary);color:var(--text-primary);}.button--secondary:hover{background-color:var(--border-color);}.button--ghost{background-color:transparent;color:var(--primary-color);border:1px solid var(--primary-color);}.button--ghost:hover{background-color:rgba(37,99,235,0.08);}.summary{background-color:#0b132b;color:#f4f5f7;border-radius:12px;padding:1.75rem;}.summary__heading{margin:0 0 1rem;font-size:1.3rem;font-weight:600;}.summary__list{list-style:none;padding:0;margin:0;display:grid;gap:0.75rem;}.summary__item{display:flex;justify-content:space-between;font-size:0.95rem;}.summary__item-label{color:#9aa5b1;}.summary__item-value{font-weight:600;}.summary__highlight{margin-top:1.5rem;padding-top:1rem;border-top:1px solid rgba(255,255,255,0.15);font-size:1.1rem;}.summary__highlight strong{display:block;font-size:1.5rem;margin-bottom:0.3rem;}.section{margin-bottom:2.5rem;}.section__title{margin:0 0 0.6rem;font-size:1.2rem;font-weight:600;color:var(--text-primary);}.section__description{margin:0 0 1.2rem;color:var(--text-tertiary);font-size:0.95rem;}.grid{display:grid;gap:2rem;}@media (min-width:960px){.grid--layout{grid-template-columns:2fr 1fr;align-items:start;}}.muted{color:var(--text-tertiary);font-size:0.9rem;}.form-note{margin-top:1rem;padding:0.75rem;border-radius:6px;background-color:var(--bg-tertiary);color:#3d4852;font-size:0.88rem;}.contributions-calculator{background:linear-gradient(135deg,var(--bg-secondary) 0%,var(--bg-tertiary) 100%);border:1px solid var(--border-color);border-radius:10px;padding:1.5rem;margin-bottom:2rem;}.contributions-calculator__input{margin-bottom:1.5rem;}.field__hint{margin:0.5rem 0 0;font-size:0.85rem;color:var(--text-tertiary);line-height:1.5;}.contributions-calculator__results{border-top:2px solid #86efac;padding-top:1.5rem;margin-top:1.5rem;}.contributions-calculator__results-title{margin:0 0 1rem;font-size:1.05rem;font-weight:600;color:#15803d;}.contributions-calculator__grid{display:grid;gap:1rem;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));margin-bottom:1rem;}.contribution-result{background-color:var(--bg-primary);padding:1.25rem;border-radius:8px;border-left:4px solid #22c55e;box-shadow:0 1px 3px rgba(15,23,42,0.08);}.contribution-result__label{font-size:0.9rem;color:var(--text-tertiary);margin-bottom:0.5rem;}.contribution-result__value{font-size:1.5rem;font-weight:700;color:#15803d;margin-bottom:0.35rem;}.contribution-result__note{font-size:0.8rem;color:#6b7280;}.contributions-calculator__disclaimer{margin:1rem 0 0;padding:0.75rem;background-color:rgba(245,158,11,0.1);border-left:3px solid var(--warning-color);border-radius:4px;font-size:0.85rem;color:var(--text-primary);line-height:1.5;}.deductions-info-box{background:linear-gradient(135deg,var(--bg-secondary) 0%,var(--bg-tertiary) 100%);border:1px solid var(--border-color);border-radius:10px;padding:1.5rem;margin-bottom:1.5rem;}.deductions-info-box__title{margin:0 0 1.25rem;font-size:1.1rem;font-weight:600;color:#1a56db;}.deductions-info-box__grid{display:grid;gap:1rem;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));}.deduction-item{background-color:var(--bg-primary);padding:1rem;border-radius:8px;border-left:3px solid #1a56db;box-shadow:0 1px 3px rgba(15,23,42,0.06);}.deduction-item strong{display:block;color:var(--text-primary);font-size:0.95rem;margin-bottom:0.35rem;}.deduction-item p{margin:0;font-size:0.85rem;color:var(--text-tertiary);line-height:1.5;}.modal{position:fixed;inset:0;display:flex;align-items:center;justify-content:center;z-index:2000;}.modal__backdrop{position:absolute;inset:0;background:rgba(15,23,42,0.55);}.modal__dialog{position:relative;background-color:var(--bg-primary);width:min(640px,92vw);max-height:80vh;border-radius:14px;box-shadow:0 30px 60px rgba(15,23,42,0.25);padding:1.75rem;overflow:hidden;display:flex;flex-direction:column;gap:1.25rem;}.modal__header{display:flex;align-items:center;justify-content:space-between;gap:1.5rem;}.modal__body{overflow-y:auto;padding-right:0.25rem;}.search-form{display:flex;gap:0.75rem;}.search-form input[type="text"]{flex:1;}.ico-search{background:var(--bg-primary);border:1px solid rgba(148,163,184,0.35);border-radius:16px;padding:0.85rem;display:flex;flex-direction:column;gap:0.65rem;box-shadow:0 24px 50px -30px rgba(15,23,42,0.4);transition:border-color 0.2s ease,box-shadow 0.2s ease,transform 0.2s ease;width:100%;box-sizing:border-box;overflow-x:hidden;}.ico-search:focus-within{border-color:rgba(37,99,235,0.55);box-shadow:0 26px 54px -28px rgba(37,99,235,0.32);transform:translateY(-1px);}.field--with-autocomplete .ico-search__input{width:100%;padding:0.78rem 1rem 0.78rem 2.75rem;border-radius:999px;border:1.5px solid rgba(148,163,184,0.55);background-color:var(--bg-primary);box-shadow:0 6px 18px rgba(15,23,42,0.08);background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' fill='none' stroke='%236b7280' stroke-width='2' viewBox='0 0 24 24'%3E%3Ccircle cx='11' cy='11' r='6'/%3E%3Cpath d='m20 20-3.5-3.5' stroke-linecap='round'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:1.1rem center;background-size:18px;transition:border-color 0.2s ease,box-shadow 0.2s ease;}.field--with-autocomplete .ico-search__input::placeholder{color:#9ca3af;}.field--with-autocomplete .ico-search__input:focus{border-color:var(--primary-color);outline:none;box-shadow:0 0 0 4px rgba(37,99,235,0.18);}.ico-search__message{margin:0;font-size:0.85rem;line-height:1.4;padding:0.35rem 0.5rem;border-radius:0.75rem;border:1px solid transparent;}.ico-search__message--error{border-color:rgba(239,68,68,0.4);background-color:rgba(254,202,202,0.25);color:#b91c1c;}.ico-autocomplete-wrapper{margin:0;}.ico-search > .ico-autocomplete-wrapper{margin-top:0.35rem;}.ico-autocomplete{position:relative;background:var(--bg-primary);border:1px solid var(--border-color);border-radius:14px;box-shadow:0 24px 52px -30px rgba(15,23,42,0.4);overflow:hidden;animation:slideDown 0.18s ease-out;width:100%;box-sizing:border-box;}.ico-autocomplete::before{content:'';position:absolute;inset:0 0 auto;height:3px;background:linear-gradient(90deg,var(--primary-color) 0%,#22c55e 100%);opacity:0.85;pointer-events:none;}@keyframes slideDown{from{opacity:0;transform:translateY(-10px);}to{opacity:1;transform:translateY(0);}}.ico-autocomplete__list{list-style:none;margin:0;padding:0.35rem 0;max-height:none;overflow:hidden;width:100%;}.ico-autocomplete__list--scrollable{max-height:260px;overflow-y:auto;scrollbar-width:thin;scrollbar-color:rgba(148,163,184,0.4) transparent;}.ico-autocomplete__list--scrollable::-webkit-scrollbar{width:8px;}.ico-autocomplete__list--scrollable::-webkit-scrollbar-track{background:transparent;}.ico-autocomplete__list--scrollable::-webkit-scrollbar-thumb{background:rgba(148,163,184,0.4);border-radius:999px;}.ico-autocomplete__list--scrollable::-webkit-scrollbar-thumb:hover{background:rgba(100,116,139,0.55);}.ico-autocomplete__item:not(:last-child){border-bottom:1px solid var(--border-color);}.ico-autocomplete__button{width:100%;display:block;padding:0.95rem 1.25rem;background:transparent;border:none;text-align:left;cursor:pointer;transition:background 0.18s ease;box-sizing:border-box;}.ico-autocomplete__button:hover{background:rgba(37,99,235,0.08);}.ico-autocomplete__button:active{background:rgba(37,99,235,0.12);}.ico-autocomplete__button:focus-visible{outline:2px solid var(--primary-color);outline-offset:-2px;}.ico-autocomplete__content{display:block;width:100%;}.ico-autocomplete__header{position:relative;display:block !important;width:100% !important;padding-right:2rem;margin-bottom:0.5rem;}.ico-autocomplete__name{font-size:0.95rem !important;font-weight:600 !important;color:var(--text-primary) !important;line-height:1.45 !important;word-break:break-word !important;overflow-wrap:anywhere !important;white-space:normal !important;display:block !important;width:100% !important;padding-right:0.5rem !important;}.ico-autocomplete__meta{display:block !important;width:100% !important;font-size:0.87rem;color:var(--text-secondary);padding-top:0.75rem !important;margin-top:1.5rem !important;border-top:1px solid var(--border-color);}.ico-autocomplete__meta-item{display:block !important;width:100% !important;margin-bottom:0.5rem;}.ico-autocomplete__meta-label{display:inline;font-weight:600;color:#1d4ed8;letter-spacing:0.02em;}.ico-autocomplete__meta-value{display:inline;font-weight:500;color:var(--text-primary);word-break:break-word;overflow-wrap:break-word;margin-left:0.35rem;}.ico-autocomplete__arrow{position:absolute;top:0;right:0;width:1.25rem;height:1.25rem;color:var(--text-tertiary);opacity:0.6;transition:transform 0.18s ease,opacity 0.18s ease;}.ico-autocomplete__button:hover .ico-autocomplete__arrow{transform:translateX(4px);opacity:1;}@media (max-width:900px){.ico-search{padding:0.75rem;}.field--with-autocomplete .ico-search__input{padding:0.7rem 0.9rem 0.7rem 2.5rem;}}.search-empty{padding:1rem;text-align:center;color:var(--text-tertiary);font-size:0.95rem;}.tag{display:inline-flex;align-items:center;justify-content:center;border-radius:999px;background-color:rgba(26,86,219,0.1);color:#1a56db;font-size:0.75rem;font-weight:600;padding:0.15rem 0.55rem;}.wizard{display:flex;flex-direction:column;min-height:calc(100vh - 200px);}.wizard__progress{position:relative;margin-bottom:4rem;padding:0 2rem;}.wizard__progress-line{position:absolute;top:20px;left:0;right:0;height:2px;background-color:#e5e7eb;z-index:1;}.wizard__progress-fill{position:absolute;top:0;left:0;height:100%;background-color:#1a56db;transition:width 0.3s ease;}.wizard__steps{position:relative;display:flex;justify-content:space-between;z-index:2;}.wizard__step{display:flex;flex-direction:column;align-items:center;gap:0.75rem;cursor:pointer;user-select:none;}.wizard__step-circle{width:40px;height:40px;border-radius:50%;background-color:var(--bg-primary);border:2px solid #e5e7eb;display:flex;align-items:center;justify-content:center;font-weight:600;font-size:0.95rem;color:#9aa5b1;transition:all 0.2s ease;position:relative;}.wizard__step--active .wizard__step-circle{background-color:#1a56db;border-color:#1a56db;color:#ffffff;box-shadow:0 4px 12px rgba(26,86,219,0.3);}.wizard__step--completed .wizard__step-circle{background-color:#10b981;border-color:#10b981;color:#ffffff;}.wizard__step--warning .wizard__step-circle::after{content:'';position:absolute;top:-4px;right:-4px;width:12px;height:12px;background-color:#f59e0b;border-radius:50%;border:2px solid #ffffff;}.wizard__step-label{font-size:0.85rem;color:var(--text-tertiary);font-weight:500;text-align:center;max-width:120px;}.wizard__step--active .wizard__step-label{color:var(--text-primary);font-weight:600;}.wizard__content{display:flex;gap:2.5rem;flex:1;align-items:flex-start;}@media (max-width:960px){.wizard__content{flex-direction:column;}}.wizard__main{flex:1;min-width:0;}.wizard__sidebar{position:sticky;top:2rem;width:320px;flex-shrink:0;}@media (max-width:960px){.wizard__sidebar{position:static;width:100%;}}.wizard__panel{background-color:var(--bg-primary);border-radius:12px;box-shadow:0 1px 3px rgba(15,23,42,0.08);padding:1.5rem;}.wizard__panel--main{padding:2.5rem;box-shadow:0 4px 16px rgba(15,23,42,0.06);}.wizard__step-title{margin:0 0 0.5rem;font-size:1.75rem;font-weight:600;color:var(--text-primary);}.wizard__step-description{margin:0 0 2rem;font-size:0.95rem;color:var(--text-tertiary);line-height:1.6;}.wizard__navigation{display:flex;justify-content:space-between;gap:1rem;margin-top:2.5rem;padding-top:2rem;border-top:1px solid #e5e7eb;}.wizard__nav-group{display:flex;gap:1rem;}.wizard__result-title{margin:0 0 1.25rem;font-size:1.1rem;font-weight:600;color:var(--text-primary);}.wizard__result-list{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:0.85rem;}.wizard__result-item{display:flex;justify-content:space-between;font-size:0.9rem;padding-bottom:0.85rem;border-bottom:1px solid #f1f5f9;}.wizard__result-item:last-child{border-bottom:none;padding-bottom:0;}.wizard__result-label{color:var(--text-tertiary);}.wizard__result-value{font-weight:600;color:var(--text-primary);}.wizard__result-highlight{margin-top:1.25rem;padding-top:1.25rem;border-top:2px solid #e5e7eb;}.wizard__result-highlight .wizard__result-item{font-size:1.05rem;}.wizard__result-highlight .wizard__result-value{color:#1a56db;font-size:1.3rem;}.field__help{position:relative;display:inline-flex;align-items:center;margin-left:0.35rem;cursor:help;vertical-align:middle;}.field__help-icon{width:1rem;height:1rem;color:#7c8898;transition:color 0.2s ease;}.field__help:hover .field__help-icon{color:#1a56db;}.field__help-tooltip{position:absolute;bottom:100%;left:50%;transform:translateX(-50%);margin-bottom:0.5rem;padding:0.65rem 0.85rem;background-color:var(--text-primary);color:#ffffff;font-size:0.82rem;font-weight:400;line-height:1.5;border-radius:6px;box-shadow:0 4px 12px rgba(0,0,0,0.25);white-space:normal;width:max-content;max-width:280px;z-index:1000;pointer-events:none;opacity:0;visibility:hidden;transition:opacity 0.2s ease,visibility 0.2s ease;}.field__help-tooltip::before{content:"";position:absolute;top:100%;left:50%;transform:translateX(-50%);border:5px solid transparent;border-top-color:var(--text-primary);}.field__help:hover .field__help-tooltip{opacity:1;visibility:visible;}@media (max-width:768px){.field__help-tooltip{position:fixed;bottom:auto;left:1rem;right:1rem;top:50%;transform:translateY(-50%);max-width:calc(100% - 2rem);width:auto;}.field__help-tooltip::before{display:none;}}*{margin:0;padding:0;box-sizing:border-box;}:root{--primary-color:#2563eb;--primary-dark:#1e40af;--primary-light:#60a5fa;--secondary-color:#64748b;--accent-color:#f59e0b;--success-color:#10b981;--warning-color:#f59e0b;--error-color:#ef4444;--gray-50:#f9fafb;--gray-100:#f3f4f6;--gray-200:#e5e7eb;--gray-300:#d1d5db;--gray-600:#4b5563;--gray-700:#374151;--gray-800:#1f2937;--gray-900:#111827;--font-primary:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,'Helvetica Neue',Arial,sans-serif;--font-heading:'Segoe UI',-apple-system,BlinkMacSystemFont,Roboto,sans-serif;--spacing-xs:0.5rem;--spacing-sm:1rem;--spacing-md:1.5rem;--spacing-lg:2rem;--spacing-xl:3rem;--spacing-2xl:4rem;--radius-sm:0.375rem;--radius-md:0.5rem;--radius-lg:0.75rem;--radius-xl:1rem;--shadow-sm:0 1px 2px 0 rgb(0 0 0 / 0.05);--shadow-md:0 4px 6px -1px rgb(0 0 0 / 0.1);--shadow-lg:0 10px 15px -3px rgb(0 0 0 / 0.1);--shadow-xl:0 20px 25px -5px rgb(0 0 0 / 0.1);--transition:all 0.3s ease;}html{scroll-behavior:smooth;}.landing-page{font-family:var(--font-primary);font-size:16px;line-height:1.6;color:var(--gray-800);background-color:var(--bg-primary);}.container{max-width:1200px;margin:0 auto;padding:0 var(--spacing-md);}.navbar{background:#fff;box-shadow:var(--shadow-sm);position:sticky;top:0;z-index:1000;border-bottom:1px solid var(--gray-200);}.navbar .container{display:flex;justify-content:space-between;align-items:center;padding-top:var(--spacing-sm);padding-bottom:var(--spacing-sm);}.nav-brand h1{font-size:1.5rem;font-weight:700;color:var(--primary-color);}.nav-brand a{text-decoration:none;}.nav-menu{display:flex;list-style:none;gap:var(--spacing-lg);}.nav-link{text-decoration:none;color:var(--gray-700);font-weight:500;transition:var(--transition);position:relative;padding-bottom:8px;}.nav-link:hover,.nav-link.active{color:var(--primary-color);}.nav-link.active::after{content:'';position:absolute;bottom:0;left:0;right:0;height:2px;background-color:var(--primary-color);}.nav-link-cta{background:linear-gradient(135deg,#667eea 0%,#764ba2 100%);color:#fff !important;padding:0.5rem 1.25rem;border-radius:var(--radius-md);}.nav-link-cta:hover{transform:translateY(-2px);box-shadow:var(--shadow-md);}.nav-link-cta::after{display:none;}.nav-toggle{display:none;flex-direction:column;gap:4px;background:none;border:none;cursor:pointer;padding:8px;}.nav-toggle span{display:block;width:24px;height:2px;background-color:var(--gray-700);transition:var(--transition);}.hero{background:linear-gradient(135deg,#667eea 0%,#764ba2 100%);color:#fff;padding:var(--spacing-2xl) 0;text-align:center;}.hero-content{max-width:800px;margin:0 auto;}.hero-title{font-size:clamp(2rem,5vw,3.5rem);font-weight:800;margin-bottom:var(--spacing-md);line-height:1.2;}.hero-subtitle{font-size:1.25rem;margin-bottom:var(--spacing-xl);opacity:0.95;line-height:1.8;}.hero-buttons{display:flex;gap:var(--spacing-md);justify-content:center;flex-wrap:wrap;margin-bottom:var(--spacing-lg);}.hero-note{margin-top:var(--spacing-lg);font-size:0.95rem;opacity:0.9;}.btn{display:inline-block;padding:0.75rem 2rem;border-radius:var(--radius-md);text-decoration:none;font-weight:600;transition:var(--transition);border:2px solid transparent;cursor:pointer;font-size:1rem;}.btn-primary{background-color:var(--primary-color);color:#ffffff;}.btn-primary:hover{transform:translateY(-2px);box-shadow:var(--shadow-lg);background-color:var(--primary-dark);}.btn-secondary{background-color:var(--bg-tertiary);color:var(--text-primary);border-color:var(--border-color);}.btn-secondary:hover{background-color:var(--border-color);}.btn-large{padding:1rem 2.5rem;font-size:1.1rem;}.btn-small{padding:0.5rem 1rem;font-size:0.9rem;}.btn-block{display:block;width:100%;text-align:center;}section{padding:var(--spacing-2xl) 0;}.section-title{font-size:clamp(2rem,4vw,2.5rem);font-weight:700;text-align:center;margin-bottom:var(--spacing-md);color:var(--gray-900);}.section-subtitle{text-align:center;font-size:1.125rem;color:var(--gray-600);max-width:600px;margin:0 auto var(--spacing-xl);}.features{background-color:var(--gray-50);}.features-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:var(--spacing-lg);margin-top:var(--spacing-xl);}.feature-card{background:#fff;padding:var(--spacing-lg);border-radius:var(--radius-lg);box-shadow:var(--shadow-md);transition:var(--transition);}.feature-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-xl);}.feature-icon{font-size:3rem;margin-bottom:var(--spacing-md);}.feature-title{font-size:1.25rem;font-weight:600;margin-bottom:var(--spacing-sm);color:var(--gray-900);}.feature-description{color:var(--gray-600);line-height:1.7;}.how-it-works{background-color:var(--bg-primary);}.steps{display:flex;justify-content:space-between;align-items:center;gap:var(--spacing-md);margin-top:var(--spacing-xl);flex-wrap:wrap;}.step{flex:1;min-width:200px;text-align:center;padding:var(--spacing-lg);}.step-number{width:60px;height:60px;background:linear-gradient(135deg,var(--primary-color),var(--primary-dark));color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:1.5rem;font-weight:700;margin:0 auto var(--spacing-md);}.step h3{font-size:1.25rem;margin-bottom:var(--spacing-sm);color:var(--gray-900);}.step p{color:var(--gray-600);}.news-hero{background:linear-gradient(135deg,#667eea 0%,#764ba2 100%);color:#fff;padding:var(--spacing-xl) 0;text-align:center;}.news-hero h1{font-size:clamp(2rem,4vw,3rem);margin-bottom:var(--spacing-sm);}.news-hero p{font-size:1.125rem;opacity:0.95;}.news-content{background-color:var(--gray-50);min-height:60vh;}.news-layout{display:grid;grid-template-columns:2fr 1fr;gap:var(--spacing-lg);}.articles-grid{display:flex;flex-direction:column;gap:var(--spacing-lg);}.news-article-card{background:#fff;padding:var(--spacing-lg);border-radius:var(--radius-lg);box-shadow:var(--shadow-md);position:relative;transition:var(--transition);}.news-article-card:hover{transform:translateY(-2px);box-shadow:var(--shadow-xl);}.article-header{display:flex;justify-content:space-between;align-items:center;margin-bottom:var(--spacing-sm);}.news-badge{padding:0.25rem 0.75rem;border-radius:var(--radius-sm);font-size:0.75rem;font-weight:600;text-transform:uppercase;}.news-badge-new{background-color:var(--success-color);color:#fff;}.news-badge-important{background-color:var(--error-color);color:#fff;}.article-date{color:var(--gray-600);font-size:0.875rem;}.article-title{font-size:1.5rem;font-weight:700;margin-bottom:var(--spacing-sm);color:var(--gray-900);}.article-title a{color:inherit;text-decoration:none;transition:var(--transition);}.article-title a:hover{color:var(--primary-color);}.article-excerpt{color:var(--gray-600);line-height:1.7;margin-bottom:var(--spacing-md);}.article-tags{display:flex;gap:var(--spacing-xs);flex-wrap:wrap;margin-bottom:var(--spacing-md);}.tag{padding:0.25rem 0.75rem;background-color:var(--gray-100);color:var(--gray-700);border-radius:var(--radius-sm);font-size:0.75rem;font-weight:500;}.read-more{color:var(--primary-color);text-decoration:none;font-weight:600;transition:var(--transition);}.read-more:hover{color:var(--primary-dark);text-decoration:underline;}.news-sidebar{display:flex;flex-direction:column;gap:var(--spacing-md);}.sidebar-widget{background:#fff;padding:var(--spacing-md);border-radius:var(--radius-lg);box-shadow:var(--shadow-md);}.sidebar-widget h3{font-size:1.125rem;margin-bottom:var(--spacing-sm);color:var(--gray-900);}.sidebar-links{list-style:none;}.sidebar-links li{margin-bottom:var(--spacing-xs);}.sidebar-links a{color:var(--primary-color);text-decoration:none;transition:var(--transition);}.sidebar-links a:hover{color:var(--primary-dark);text-decoration:underline;}.timeline-list{list-style:none;}.timeline-list li{margin-bottom:var(--spacing-md);padding-left:var(--spacing-md);border-left:2px solid var(--primary-color);}.timeline-list strong{display:block;color:var(--gray-900);margin-bottom:var(--spacing-xs);}.timeline-list span{color:var(--gray-600);font-size:0.9rem;}.sidebar-cta{background:linear-gradient(135deg,#667eea 0%,#764ba2 100%);color:#fff;}.sidebar-cta h3{color:#fff;}.sidebar-cta p{opacity:0.95;margin-bottom:var(--spacing-md);}.breadcrumb{display:flex;align-items:center;gap:var(--spacing-xs);margin-bottom:var(--spacing-lg);font-size:0.9rem;}.breadcrumb a{color:var(--primary-color);text-decoration:none;transition:var(--transition);}.breadcrumb a:hover{text-decoration:underline;}.breadcrumb .separator{color:var(--gray-600);}.breadcrumb .current{color:var(--gray-600);}.article-detail{background:#fff;padding:var(--spacing-xl);border-radius:var(--radius-lg);box-shadow:var(--shadow-md);max-width:800px;margin:0 auto;}.article-detail .article-header{border-bottom:2px solid var(--gray-200);padding-bottom:var(--spacing-md);margin-bottom:var(--spacing-lg);}.article-badge{display:inline-block;padding:0.375rem 0.875rem;border-radius:var(--radius-md);font-size:0.875rem;font-weight:600;text-transform:uppercase;margin-bottom:var(--spacing-sm);}.article-detail .article-title{font-size:clamp(1.75rem,4vw,2.5rem);}.article-meta{display:flex;align-items:center;gap:var(--spacing-md);flex-wrap:wrap;}.article-meta .article-date{display:flex;align-items:center;gap:var(--spacing-xs);}.article-body{line-height:1.8;color:var(--gray-800);}.article-body h3{font-size:1.5rem;margin-top:var(--spacing-lg);margin-bottom:var(--spacing-sm);color:var(--gray-900);}.article-body ul{margin:var(--spacing-md) 0;padding-left:var(--spacing-lg);}.article-body li{margin-bottom:var(--spacing-xs);}.article-body p{margin-bottom:var(--spacing-md);}.news-note{background-color:var(--gray-50);padding:var(--spacing-md);border-radius:var(--radius-md);border-left:3px solid var(--primary-color);margin:var(--spacing-md) 0;}.news-warning{background-color:#fef3c7;padding:var(--spacing-md);border-radius:var(--radius-md);border-left:3px solid var(--warning-color);color:var(--gray-800);margin:var(--spacing-md) 0;}.article-footer{display:flex;justify-content:space-between;align-items:center;gap:var(--spacing-md);margin-top:var(--spacing-xl);padding-top:var(--spacing-lg);border-top:2px solid var(--gray-200);flex-wrap:wrap;}.footer{background-color:var(--gray-900);color:var(--gray-300);padding:var(--spacing-xl) 0 var(--spacing-md);}.footer-content{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--spacing-xl);margin-bottom:var(--spacing-xl);}.footer-section h3,.footer-section h4{color:#fff;margin-bottom:var(--spacing-sm);font-size:1.125rem;}.footer-section ul{list-style:none;}.footer-section ul li{margin-bottom:var(--spacing-xs);}.footer-section a{color:var(--gray-300);text-decoration:none;transition:var(--transition);}.footer-section a:hover{color:#fff;}.footer-bottom{border-top:1px solid var(--gray-800);padding-top:var(--spacing-md);text-align:center;}@media (max-width:768px){.nav-menu{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;flex-direction:column;padding:var(--spacing-md);box-shadow:var(--shadow-lg);}.nav-menu.active{display:flex;}.nav-toggle{display:flex;}.hero-buttons{flex-direction:column;}.steps{flex-direction:column;}.news-layout{grid-template-columns:1fr;}.news-sidebar{order:-1;}.footer-content{grid-template-columns:1fr;}.article-footer{flex-direction:column;}.article-footer .btn{width:100%;}}@media (max-width:480px){.hero{padding:var(--spacing-xl) 0;}.hero-title{font-size:1.75rem;}.hero-subtitle{font-size:1rem;}.btn{width:100%;text-align:center;}.article-detail{padding:var(--spacing-md);}}.accordion{border:1px solid var(--border-color);border-radius:8px;background:var(--bg-primary);margin-bottom:1.5rem;transition:background-color 0.3s ease;}.accordion__summary{padding:1.25rem 1.5rem;cursor:pointer;list-style:none;user-select:none;display:flex;align-items:center;justify-content:space-between;transition:background-color 0.2s;color:var(--text-primary);}.accordion__summary:hover{background-color:var(--bg-tertiary);}.accordion__summary::-webkit-details-marker{display:none;}.accordion__icon{color:#667eea;font-size:0.875rem;transition:transform 0.2s;flex-shrink:0;margin-left:1rem;}.accordion[open] .accordion__icon{transform:rotate(180deg);}.accordion__content{padding:0 1.5rem 1.5rem;}.cookie-banner{position:fixed;bottom:2rem;right:2rem;width:380px;max-width:calc(100vw - 2rem);background-color:rgba(31,41,55,0.98);backdrop-filter:blur(8px);padding:2rem;border-radius:0.5rem;box-shadow:0 10px 40px rgba(0,0,0,0.3);z-index:9999;animation:slideInRight 0.4s ease-out;transition:opacity 0.3s ease-out,transform 0.3s ease-out;}.cookie-banner.hide{opacity:0;transform:translateX(120%);pointer-events:none;}@keyframes slideInRight{from{transform:translateX(120%);opacity:0;}to{transform:translateX(0);opacity:1;}}.cookie-banner-content{display:flex;flex-direction:column;gap:1.5rem;align-items:flex-start;}.cookie-banner-text{color:#fff;font-size:0.9375rem;line-height:1.6;margin:0;}.cookie-banner-button{background-color:#2563eb;color:#fff;border:none;padding:0.75rem 2rem;border-radius:0.5rem;font-size:0.9375rem;font-weight:600;cursor:pointer;transition:all 0.2s ease;width:100%;}.cookie-banner-button:hover{background-color:#1e40af;transform:translateY(-2px);box-shadow:0 6px 12px rgba(37,99,235,0.4);}.cookie-banner-button:active{transform:translateY(0);}@media (max-width:640px){.cookie-banner{bottom:1rem;right:1rem;left:1rem;width:auto;max-width:none;}}.conversation-card{background-color:var(--bg-primary);border-radius:12px;box-shadow:var(--shadow-md);padding:1.75rem;margin-bottom:1.5rem;border-left:4px solid var(--primary-color);transition:all 0.3s ease;}.conversation-card:hover{box-shadow:0 4px 12px rgba(15,23,42,0.12);transform:translateY(-2px);}.conversation-card--question{border-left-color:#1a56db;}.conversation-card--success{border-left-color:#059669;background:linear-gradient(to right,rgba(16,185,129,0.08),var(--bg-primary));}.conversation-card--warning{border-left-color:#f59e0b;background:linear-gradient(to right,rgba(245,158,11,0.08),var(--bg-primary));}.conversation-card--info{border-left-color:#3b82f6;background:linear-gradient(to right,rgba(59,130,246,0.08),var(--bg-primary));}.conversation-card__header{display:flex;align-items:flex-start;gap:0.75rem;margin-bottom:1.25rem;}.conversation-card__icon{font-size:1.5rem;line-height:1;flex-shrink:0;}.conversation-card__question{margin:0;font-size:1.1rem;font-weight:600;color:var(--text-primary);line-height:1.4;}.conversation-card__body{padding-left:2.25rem;}.conversation-card__footer{margin-top:1.5rem;padding-top:1.25rem;border-top:1px solid var(--border-color);padding-left:2.25rem;display:flex;gap:0.75rem;flex-wrap:wrap;}.question-yn{margin-bottom:1rem;}.question-yn__options{display:flex;gap:0.75rem;align-items:center;flex-wrap:wrap;}.question-yn__option{position:relative;flex:0 0 auto;cursor:pointer;user-select:none;}.question-yn__option input[type="radio"]{position:absolute;opacity:0;width:0;height:0;}.question-yn__label{display:inline-flex;align-items:center;justify-content:center;gap:0.5rem;padding:0.65rem 1.5rem;background-color:var(--bg-tertiary);border:1px solid transparent;border-radius:6px;font-weight:600;color:var(--text-primary);transition:transform 0.15s ease,box-shadow 0.15s ease;min-width:80px;text-align:center;cursor:pointer;}.question-yn__label::before{content:'';display:none;width:16px;height:16px;background-size:contain;background-repeat:no-repeat;}:root[data-theme="dark"] .question-yn__option--selected .question-yn__label::before,:root:not([data-theme]) .question-yn__option--selected .question-yn__label::before{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'%3E%3C/polyline%3E%3C/svg%3E");}:root[data-theme="light"] .question-yn__option--selected .question-yn__label::before{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'%3E%3C/polyline%3E%3C/svg%3E");filter:drop-shadow(0 1px 2px rgba(0,0,0,0.2));}.question-yn__option:hover .question-yn__label{background-color:var(--border-color);transform:translateY(-1px);}.question-yn__option--selected .question-yn__label{background-color:var(--header-bg);border-color:var(--header-bg);color:var(--white);font-weight:600;box-shadow:0 8px 20px rgba(26,86,219,0.25);}.question-yn__option--selected .question-yn__label::before{display:block;}.question-yn__option--selected .question-yn__label:hover{background-color:var(--primary-darker);transform:translateY(-1px);}.question-yn__help{padding:0.65rem 1rem;background-color:transparent;border:2px dashed var(--border-light);border-radius:8px;color:var(--text-tertiary);font-size:0.9rem;cursor:pointer;transition:all 0.2s ease;}.question-yn__help:hover{border-color:var(--header-bg);color:var(--header-bg);background-color:rgba(26,86,219,0.08);}.question-yn__hint{margin:0.75rem 0 0;font-size:0.85rem;color:var(--text-tertiary);line-height:1.5;}.conditional-section{margin-top:1.5rem;}.conditional-section--animated{animation:conditionalSlideDown 0.3s ease-out;}@keyframes conditionalSlideDown{from{opacity:0;transform:translateY(-10px);}to{opacity:1;transform:translateY(0);}}.result-card{background:linear-gradient(135deg,var(--bg-secondary) 0%,var(--bg-tertiary) 100%);border:2px solid var(--success-color);border-radius:12px;padding:1.5rem;margin:1.5rem 0;}.result-card__title{margin:0 0 0.75rem;font-size:1.1rem;font-weight:600;color:#065f46;display:flex;align-items:center;gap:0.5rem;}.result-card__amount{font-size:1.8rem;font-weight:700;color:#047857;margin:0.5rem 0;}.result-card__note{font-size:0.85rem;color:#065f46;margin:0.5rem 0 0;}.result-card__actions{margin-top:1rem;display:flex;gap:0.75rem;flex-wrap:wrap;}.checkbox-list{display:flex;flex-direction:column;gap:0.75rem;}.checkbox-list__item{display:flex;align-items:center;padding:0.85rem 1rem;background-color:#f4f5f7;border:2px solid #e5e7eb;border-radius:8px;cursor:pointer;transition:all 0.2s ease;}.checkbox-list__item:hover{border-color:#1a56db;background-color:#e8f0fe;}.checkbox-list__item--selected{background-color:#e8f0fe;border-color:#1a56db;}.checkbox-list__checkbox{margin-right:0.75rem;cursor:pointer;width:20px;height:20px;}.checkbox-list__label{flex:1;font-weight:500;color:var(--text-primary);cursor:pointer;}.checkbox-list__hint{font-size:0.8rem;color:var(--text-tertiary);margin-left:2rem;margin-top:0.25rem;}.amount-input-group{display:flex;flex-direction:column;gap:0.5rem;margin-bottom:1.25rem;}.amount-input-group__label{font-weight:500;color:var(--text-primary);font-size:0.95rem;}.amount-input-group__wrapper{position:relative;display:flex;align-items:center;}.amount-input-group__input{flex:1;padding:0.75rem 3rem 0.75rem 1rem;border:2px solid #cbd5e0;border-radius:8px;font-size:1rem;transition:all 0.2s ease;}.amount-input-group__input:focus{outline:none;border-color:#1a56db;box-shadow:0 0 0 3px rgba(26,86,219,0.1);}.amount-input-group__currency{position:absolute;right:1rem;font-weight:600;color:var(--text-tertiary);}.amount-input-group__limit{font-size:0.8rem;color:var(--text-tertiary);font-style:italic;}@media (max-width:640px){.conversation-card{padding:1.25rem;}.conversation-card__body{padding-left:0;}.conversation-card__footer{padding-left:0;}.question-yn__options{width:100%;}.question-yn__label{flex:1;min-width:0;}.result-card__amount{font-size:1.5rem;}.checkbox-list__item{flex-direction:column;align-items:flex-start;}}.question-yn__label{pointer-events:none;}