*,*:before,*:after{box-sizing:border-box;margin:0;padding:0}:root{--color-bg: #F4EEFF;--color-surface: #FFFFFF;--color-text: #1D1430;--color-text-muted: #6B6580;--color-border: #E8E0F5;--color-primary: #6D3DF5;--color-primary-light: #8B5CF6;--color-primary-bg: #EDE9FE;--color-low: #059669;--color-low-bg: #E7F8EF;--color-low-border: #A7F3D0;--color-medium: #D97706;--color-medium-bg: #FFF3D6;--color-medium-border: #FCD34D;--color-high: #DC2626;--color-high-bg: #FFE7E7;--color-high-border: #FCA5A5;--radius-sm: 8px;--radius-md: 12px;--radius-lg: 16px;--radius-xl: 20px;--shadow-sm: 0 1px 3px rgba(109, 61, 245, .06), 0 1px 2px rgba(0,0,0,.04);--shadow-md: 0 4px 16px rgba(109, 61, 245, .1), 0 2px 4px rgba(0,0,0,.04);--shadow-lg: 0 8px 32px rgba(109, 61, 245, .12), 0 4px 8px rgba(0,0,0,.06)}body{font-family:Inter,-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif;background-color:var(--color-bg);color:var(--color-text);line-height:1.6;-webkit-font-smoothing:antialiased}.app-wrapper{min-height:100vh;display:flex;flex-direction:column}.header{background:linear-gradient(135deg,#1d1430,#2d1b69,#3b1fa8);padding:32px 24px;text-align:center;position:relative;overflow:hidden}.header:before{content:"";position:absolute;top:-40px;right:-40px;width:200px;height:200px;border-radius:50%;background:#6d3df526;pointer-events:none}.header:after{content:"";position:absolute;bottom:-30px;left:-30px;width:150px;height:150px;border-radius:50%;background:#8b5cf61a;pointer-events:none}.header-inner{position:relative;z-index:1;max-width:900px;margin:0 auto}.header-badge{display:inline-block;background:#6d3df54d;color:#c4b5fd;border:1px solid rgba(196,181,253,.3);border-radius:999px;padding:4px 14px;font-size:11px;font-weight:600;letter-spacing:.05em;text-transform:uppercase;margin-bottom:14px}.header h1{color:#fff;font-size:clamp(24px,5vw,36px);font-weight:800;letter-spacing:-.02em;margin-bottom:8px}.header h1 span{background:linear-gradient(90deg,#a78bfa,#c084fc);-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text}.header p{color:#c4b5fd;font-size:15px;font-weight:400}.main-content{flex:1;max-width:1200px;margin:0 auto;padding:32px 24px;width:100%}.layout-grid{display:grid;grid-template-columns:420px 1fr;gap:28px;align-items:start}@media(max-width:900px){.layout-grid{grid-template-columns:1fr}}.card{background:var(--color-surface);border-radius:var(--radius-xl);padding:28px;box-shadow:var(--shadow-md);border:1px solid var(--color-border)}.card-title{font-size:16px;font-weight:700;color:var(--color-text);margin-bottom:20px;display:flex;align-items:center;gap:8px}.card-title-icon{width:28px;height:28px;background:var(--color-primary-bg);border-radius:8px;display:flex;align-items:center;justify-content:center;font-size:14px}.form-group{margin-bottom:16px}.form-label{display:block;font-size:13px;font-weight:600;color:var(--color-text);margin-bottom:6px}.form-label-hint{font-weight:400;color:var(--color-text-muted);font-size:12px;margin-left:4px}.form-input,.form-select{width:100%;padding:10px 14px;border:1.5px solid var(--color-border);border-radius:var(--radius-md);font-size:14px;font-family:inherit;color:var(--color-text);background:#fafafa;transition:border-color .15s,box-shadow .15s;outline:none}.form-input:focus,.form-select:focus{border-color:var(--color-primary);box-shadow:0 0 0 3px #6d3df51f;background:#fff}.form-input-prefix{position:relative}.form-input-prefix .prefix-label{position:absolute;left:12px;top:50%;transform:translateY(-50%);font-size:13px;font-weight:600;color:var(--color-text-muted);pointer-events:none}.form-input-prefix input{padding-left:42px}.scenarios-label{font-size:12px;font-weight:600;color:var(--color-text-muted);text-transform:uppercase;letter-spacing:.06em;margin-bottom:10px}.scenarios-row{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:20px}.scenario-btn{flex:1;min-width:100px;padding:8px 12px;border-radius:var(--radius-md);border:1.5px solid;font-size:12px;font-weight:600;cursor:pointer;transition:all .15s;background:transparent;font-family:inherit}.scenario-btn.low{border-color:var(--color-low-border);color:var(--color-low);background:var(--color-low-bg)}.scenario-btn.low:hover{background:#d1fae5}.scenario-btn.medium{border-color:var(--color-medium-border);color:var(--color-medium);background:var(--color-medium-bg)}.scenario-btn.medium:hover{background:#fef3c7}.scenario-btn.high{border-color:var(--color-high-border);color:var(--color-high);background:var(--color-high-bg)}.scenario-btn.high:hover{background:#fee2e2}.submit-btn{width:100%;padding:13px;background:linear-gradient(135deg,#6d3df5,#8b5cf6);color:#fff;border:none;border-radius:var(--radius-md);font-size:15px;font-weight:700;cursor:pointer;transition:opacity .15s,transform .1s;font-family:inherit;letter-spacing:-.01em;margin-top:4px}.submit-btn:hover:not(:disabled){opacity:.9;transform:translateY(-1px)}.submit-btn:disabled{opacity:.6;cursor:not-allowed}.empty-state{display:flex;flex-direction:column;align-items:center;justify-content:center;padding:60px 32px;text-align:center;background:var(--color-surface);border-radius:var(--radius-xl);border:2px dashed var(--color-border)}.empty-state-icon{font-size:48px;margin-bottom:16px;opacity:.6}.empty-state h3{font-size:16px;font-weight:700;color:var(--color-text);margin-bottom:8px}.empty-state p{font-size:14px;color:var(--color-text-muted);max-width:280px}.loading-state{display:flex;flex-direction:column;align-items:center;justify-content:center;padding:60px 32px;gap:16px;background:var(--color-surface);border-radius:var(--radius-xl);border:1px solid var(--color-border);box-shadow:var(--shadow-md)}.spinner{width:36px;height:36px;border:3px solid var(--color-border);border-top-color:var(--color-primary);border-radius:50%;animation:spin .7s linear infinite}@keyframes spin{to{transform:rotate(360deg)}}.loading-state p{font-size:14px;color:var(--color-text-muted);font-weight:500}.error-state{padding:20px;background:var(--color-high-bg);border:1px solid var(--color-high-border);border-radius:var(--radius-lg);color:var(--color-high);font-size:14px;font-weight:500}.risk-badge{display:inline-flex;align-items:center;gap:6px;padding:5px 14px;border-radius:999px;font-size:13px;font-weight:700;letter-spacing:.02em;text-transform:uppercase}.risk-badge.low{background:var(--color-low-bg);color:var(--color-low);border:1px solid var(--color-low-border)}.risk-badge.medium{background:var(--color-medium-bg);color:var(--color-medium);border:1px solid var(--color-medium-border)}.risk-badge.high{background:var(--color-high-bg);color:var(--color-high);border:1px solid var(--color-high-border)}.result-summary-card{margin-bottom:20px}.result-header{display:flex;align-items:flex-start;justify-content:space-between;flex-wrap:wrap;gap:12px;margin-bottom:24px}.result-decision{font-size:22px;font-weight:800;color:var(--color-text);letter-spacing:-.02em}.result-decision.low{color:var(--color-low)}.result-decision.medium{color:var(--color-medium)}.result-decision.high{color:var(--color-high)}.metrics-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}@media(max-width:600px){.metrics-grid{grid-template-columns:1fr}}.metric-item{background:var(--color-bg);border-radius:var(--radius-md);padding:14px 16px;border:1px solid var(--color-border)}.metric-label{font-size:11px;font-weight:600;color:var(--color-text-muted);text-transform:uppercase;letter-spacing:.06em;margin-bottom:4px}.metric-value{font-size:20px;font-weight:800;color:var(--color-text);letter-spacing:-.02em}.metric-value.highlight{color:var(--color-primary)}.risk-score-section{margin-top:20px}.risk-score-header{display:flex;justify-content:space-between;align-items:center;margin-bottom:8px}.risk-score-label{font-size:13px;font-weight:600;color:var(--color-text-muted)}.risk-score-value{font-size:20px;font-weight:800;color:var(--color-text)}.risk-bar-track{height:8px;background:var(--color-border);border-radius:999px;overflow:hidden}.risk-bar-fill{height:100%;border-radius:999px;transition:width .6s ease}.risk-bar-fill.low{background:linear-gradient(90deg,#34d399,#059669)}.risk-bar-fill.medium{background:linear-gradient(90deg,#fcd34d,#d97706)}.risk-bar-fill.high{background:linear-gradient(90deg,#fca5a5,#dc2626)}.reason-codes-list{list-style:none;display:flex;flex-direction:column;gap:10px}.reason-code-item{display:flex;align-items:flex-start;gap:10px;padding:12px 14px;border-radius:var(--radius-md);background:var(--color-bg);border:1px solid var(--color-border);font-size:14px;color:var(--color-text)}.reason-code-dot{width:8px;height:8px;border-radius:50%;margin-top:5px;flex-shrink:0}.reason-code-dot.low{background:var(--color-low)}.reason-code-dot.medium{background:var(--color-medium)}.reason-code-dot.high{background:var(--color-high)}.plans-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}@media(max-width:800px){.plans-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:500px){.plans-grid{grid-template-columns:1fr}}.plan-card{border-radius:var(--radius-lg);padding:16px;border:2px solid;transition:transform .15s;position:relative}.plan-card:hover{transform:translateY(-2px)}.plan-card.low{background:var(--color-low-bg);border-color:var(--color-low-border)}.plan-card.medium{background:var(--color-medium-bg);border-color:var(--color-medium-border)}.plan-card.high{background:var(--color-high-bg);border-color:var(--color-high-border)}.plan-card.selected:after{content:"Selected";position:absolute;top:-10px;left:50%;transform:translate(-50%);background:var(--color-primary);color:#fff;font-size:10px;font-weight:700;padding:2px 10px;border-radius:999px;letter-spacing:.04em;text-transform:uppercase}.plan-months{font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--color-text-muted);margin-bottom:6px}.plan-payment{font-size:22px;font-weight:800;color:var(--color-text);letter-spacing:-.02em;margin-bottom:2px}.plan-payment-label{font-size:11px;color:var(--color-text-muted);margin-bottom:10px}.plan-remaining{font-size:12px;font-weight:500;color:var(--color-text-muted);margin-bottom:8px}.explanation-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}@media(max-width:700px){.explanation-grid{grid-template-columns:1fr}}.explanation-item{padding:16px;border-radius:var(--radius-md);background:var(--color-bg);border:1px solid var(--color-border)}.explanation-item-label{font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--color-primary);margin-bottom:8px}.explanation-item p{font-size:13px;color:var(--color-text);line-height:1.65}.explanation-item.full-width{grid-column:1 / -1}.explanation-note{margin-top:16px;padding:12px 14px;border-radius:var(--radius-md);background:var(--color-primary-bg);border:1px solid rgba(109,61,245,.15);font-size:12px;color:var(--color-primary);font-weight:500;display:flex;align-items:flex-start;gap:8px}.results-container{display:flex;flex-direction:column;gap:20px}.section-divider{height:1px;background:var(--color-border);margin:4px 0}.footer{text-align:center;padding:24px;font-size:12px;color:var(--color-text-muted);border-top:1px solid var(--color-border)}