<style>
  :root{
    --ink:#0f1722;--ink-2:#1b2736;--panel:#ffffff;--line:#e4e8ee;
    --muted:#5d6b7d;--amber:#f5821f;--amber-dark:#d96c0a;--green:#1f9d6b;
    --red:#d64545;--soft:#f4f6f9;
  }     
  *{box-sizing:border-box}     
  body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
    color:var(--ink);background:var(--soft);line-height:1.5;-webkit-font-smoothing:antialiased;}     
  .wrap{max-width:stretch;margin:0 auto;padding:0 18px 64px;}     
  header.hero{background:linear-gradient(160deg,var(--ink) 0%,var(--ink-2) 100%);color:#fff;padding:44px 18px 40px;text-align:center;}     
  .hero-inner{max-width:780px;margin:0 auto;}     
  .eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:18px; font-weight:700;color:var(--amber);margin:0 0 14px;}     
  h1{font-size:30px;line-height:1.18;margin:0 0 14px;font-weight:800;}     
  h1 .hl{color:var(--amber);}     
  .sub{font-size:16px;color:#c7d0db;margin:0 auto;max-width:580px;}     
  .card{background:var(--panel);border:1px solid var(--line);border-radius:14px;padding:26px;margin-top:-22px;box-shadow:0 10px 30px rgba(15,23,34,.10);}     
  .card h2{font-size:36px;margin:0 0 4px;}     
  .card .hint{font-size:18px;color:var(--muted);margin:0 0 22px;}     
  .field{margin-bottom:18px;}     
  .field label{display:block;font-weight:600;font-size:18px;margin-bottom:6px;}     
  .field .desc{font-weight:400;color:var(--muted);font-size:18px;display:block;margin-top:2px;}     
  .input-row{display:flex;align-items:center;gap:10px;}     
  .input-row .prefix,.input-row .suffix{color:var(--muted);font-size:18px; font-weight:600;}     
  input[type=number]{width:100%;padding:11px 13px;border:1px solid var(--line);border-radius:9px;font-size:16px;color:var(--ink);background:#fff;}     
  input[type=number]:focus{outline:none;border-color:var(--amber);box-shadow:0 0 0 3px rgba(245,130,31,.15);}     
  select{width:100%;padding:11px 13px;border:1px solid var(--line);border-radius:9px;font-size:18px; background:#fff;color:var(--ink);}     
  input[type=range]{width:100%;accent-color:var(--amber);}     
  .range-val{font-weight:700;color:var(--amber-dark);}     

  .driver{border:1px solid var(--line);border-radius:12px;margin-bottom:14px;overflow:hidden;}     
  .driver-head{display:flex;align-items:center;gap:11px;padding:0;background:var(--soft);cursor:pointer;}     
  .driver-head input[type=checkbox]{width:18px;height:18px;accent-color:var(--amber);flex:0 0 auto;margin:0;}     
  .driver-head .t{font-weight:700;font-size:18px;flex:1;}     
  .driver-head .mini{font-size:18px;font-weight:700;color:var(--amber-dark);white-space:nowrap;}     
  .driver-body{padding:0;display:block;}     
  .driver.off .driver-body{display:none;}     
  .driver.off .driver-head{opacity:.6;}     
  .two{display:flex;gap:14px;}     
  .two .field{flex:1;}     

  .anchor-note{font-size:18px; color:var(--muted);margin:-4px 0 18px;}     
  .share-box{background:#fff;border:1px solid var(--line);border-radius:12px;padding:0px;margin-bottom:6px;}     
  .opt{display:flex;gap:10px;align-items:flex-start;border:1px solid var(--line);border-radius:9px;padding:11px 13px;margin-bottom:8px;cursor:pointer;font-size:18px; line-height:1.45;}     
  .opt:hover{border-color:var(--amber);}     
  .opt input[type=radio]{margin:2px 0 0;width:16px;height:16px;accent-color:var(--amber);flex:0 0 auto;}     
  .opt b{font-weight:700;}     
  .opt:has(input:checked){border-color:var(--amber);background:#fff7f0;box-shadow:0 0 0 2px rgba(245,130,31,.12);}     

  .results{margin-top:24px;border-radius:14px;overflow:hidden;border:1px solid var(--line);}     
  .res-top{background:linear-gradient(160deg,#241a12 0%,#3a2412 100%);color:#fff;padding:26px;text-align:center;}     
  .res-top .lbl{font-size:18px;text-transform:uppercase;letter-spacing:.1em;color:#f3c79a;margin:0 0 8px;}     
  .big-number{font-size:46px;font-weight:800;line-height:1;color:var(--amber);margin:0;}     
  .res-top .per{font-size:18px;color:#d9c3ac;margin:8px 0 0;}     
  .res-body{background:#fff;padding:22px 24px;}     
  .breakdown{list-style:none;margin:0;padding:0;}     
  .breakdown li{display:flex;justify-content:space-between;gap:14px;padding:11px 0;border-bottom:1px dashed var(--line);font-size:14.5px;}     
  .breakdown li:last-child{border-bottom:none;}     
  .breakdown li.muted{color:var(--muted);}     
  .breakdown li.total{font-weight:800;font-size:16px;border-top:2px solid var(--ink);border-bottom:none;padding-top:13px;margin-top:4px;}     
  .breakdown .v{font-weight:700;white-space:nowrap;} 
.breakdown * {font-size: 18px }
  .recover{margin-top:18px;background:#eef8f2;border:1px solid #c9e9d9;border-radius:10px;padding:16px 18px;font-size:18px;}     
  .recover strong{color:var(--green);}     
  .assump{font-size:18px; color:var(--muted);margin-top:26px !important;line-height:1.5;}     
  .cta-block{margin-top:22px;background:var(--ink);color:#fff;border-radius:14px;padding:26px;text-align:center;}     
  .cta-block h3{margin:0 0 8px;font-size:21px;}     
  .cta-block p{margin:6px auto 6px !important;font-size:18px;color:#737373 !important;max-width: 680px; }     
  .btn{display:inline-block;background:var(--amber);color:#fff;text-decoration:none;font-weight:700;font-size:18px; padding:13px 26px;border-radius:9px;border:none;cursor:pointer;}     
  .btn:hover{background:var(--amber-dark);}     
  .btn.ghost{background:transparent;border:1.5px solid #44546a;color:#737373;margin-left:8px;}     
  .ac-placeholder{border:2px dashed #44546a;border-radius:10px;padding:18px;margin-top:6px;background:#16212e;}     
  .ac-tag{display:inline-block;font-size:11px;text-transform:uppercase;letter-spacing:.1em;color:#f3c79a;background:#3a2412;border-radius:5px;padding:3px 9px;margin-bottom:12px;}     
  .ac-placeholder input[type=email]{width:100%;padding:12px 13px;border:1px solid #44546a;border-radius:9px;background:#0f1722;color:#8295a8;font-size:18px; margin-bottom:10px;}     
  .ac-placeholder .ac-note{font-size:11.5px;color:#8295a8;margin:10px 0 0;}     
  .gate{margin-top:14px;}     
  .gate input[type=email]{width:100%;padding:12px 13px;border:1px solid #44546a;border-radius:9px;background:#16212e;color:#fff;font-size:18px; margin-bottom:10px;}     
  .gate input[type=email]::placeholder{color:#8295a8;}     
  .gate .note{font-size:11.5px;color:#8295a8;margin-top:10px;}     
  .ty{display:none;background:#16212e;border:1px solid #2c3a4b;border-radius:10px;padding:18px;margin-top:12px;font-size:18px; }     
  footer{text-align:center;font-size:18px; color:var(--muted);margin-top:30px;}     
  footer a{color:var(--amber-dark);}     
  @media(max-width:520px){h1{font-size:24px;}     .big-number{font-size:36px;}     .btn.ghost{margin-left:0;margin-top:10px;}     .two{flex-direction:column;gap:0;}     }     
</style>