:root{--ivac-primary:#4361ee;--ivac-primary-deep:#3a56d4;--ivac-secondary:#00a86b;--ivac-secondary-light:#e6f0ff;--ivac-danger:#e74c3c;--ivac-danger-light:#fdecea;--ivac-warning:#f59e0b;--ivac-warning-light:#fffbeb;--ivac-success:#10b981;--ivac-success-light:#ecfdf5;--ivac-bg:#f7f9fb;--ivac-white:#ffffff;--ivac-text:#2b2d42;--ivac-text-muted:#6b7280;--ivac-border:#d8dce2;--ivac-border-focus:#4361ee;--ivac-radius:8px;--ivac-spacing:1.5rem;--ivac-gap:0.6rem;--ivac-shadow:0 2px 12px rgba(67, 97, 238, 0.08);--ivac-shadow-lg:0 8px 32px rgba(67, 97, 238, 0.13);--ivac-transition:0.22s cubic-bezier(0.4, 0, 0.2, 1)}.ivac-logo{display:flex;align-items:center;gap:.5rem}.ivac-logo-text{font-size:1.4rem!important;font-weight:300;letter-spacing:-.02em;color:var(--ivac-text)!important}.ivac-logo-text strong{font-weight:700;color:var(--ivac-primary)!important}.ivac-hero{text-align:center;padding:2rem 1rem;display:flex;flex-direction:column;align-items:center;border:1px solid var(--ivac-border)!important;border-radius:var(--ivac-radius);box-shadow:var(--ivac-shadow)}.ivac-hero-title{font-size:clamp(1.25rem, 4vw, 1.75rem)!important;font-weight:700;line-height:1.2;color:var(--ivac-text)!important;margin-bottom:.75rem}.ivac-highlight{color:var(--ivac-primary)!important;position:relative}.ivac-highlight::after{content:"";position:absolute;bottom:2px;left:0;right:0;height:3px;background:linear-gradient(90deg,var(--ivac-primary),var(--ivac-secondary));border-radius:2px;opacity:.4}.ivac-hero-sub{font-size:1rem!important;color:var(--ivac-text-muted)!important;margin-bottom:1.25rem}.ivac-badges{display:flex;justify-content:center;flex-wrap:wrap;gap:.5rem}.ivac-badge{display:inline-flex;align-items:center;gap:.3rem;background:var(--ivac-white)!important;border:1px solid var(--ivac-border)!important;border-radius:50px;padding:.3rem .8rem;font-size:0.8rem!important;color:var(--ivac-text)!important;font-weight:500;box-shadow:0 1px 4px rgb(0 0 0 / .05)}.ivac-progress{display:flex;align-items:center;justify-content:center;gap:0;margin-bottom:1rem;padding:1.5rem .5rem;border:1px solid var(--ivac-border)!important;border-radius:var(--ivac-radius);box-shadow:var(--ivac-shadow)}.ivac-progress-step{display:flex;flex-direction:column;align-items:center;gap:.3rem;cursor:default;min-width:64px}.ivac-step-num{width:34px;height:34px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:0.85rem!important;font-weight:700;border:2px solid var(--ivac-border)!important;background:var(--ivac-white)!important;color:var(--ivac-text-muted)!important;transition:all var(--ivac-transition)}.ivac-step-label{font-size:0.7rem!important;color:var(--ivac-text-muted)!important;font-weight:500;text-align:center;white-space:nowrap;transition:color var(--ivac-transition)}.ivac-progress-line{flex:1;height:2px;background:var(--ivac-border)!important;margin:0 .25rem;margin-bottom:1.4rem;border-radius:2px;transition:background var(--ivac-transition);max-width:80px}.ivac-progress-step.ivac-step-active .ivac-step-num{background:var(--ivac-primary)!important;border-color:var(--ivac-primary)!important;color:var(--ivac-white)!important;box-shadow:0 0 0 4px rgb(67 97 238 / .15)}.ivac-progress-step.ivac-step-active .ivac-step-label{color:var(--ivac-primary)!important;font-weight:600}.ivac-progress-step.ivac-step-done .ivac-step-num{background:var(--ivac-secondary)!important;border-color:var(--ivac-secondary)!important;color:var(--ivac-white)!important}.ivac-progress-step.ivac-step-done .ivac-step-label{color:var(--ivac-secondary)!important}.ivac-progress-line.ivac-line-done{background:var(--ivac-secondary)!important}.ivac-step-panel{display:none;animation:ivacFadeSlide 0.35s ease forwards}.ivac-panel-active{display:block}@keyframes ivacFadeSlide{from{opacity:0;transform:translateY(12px)}to{opacity:1;transform:translateY(0)}}.ivac-card{background:var(--ivac-white)!important;border-radius:var(--ivac-radius);box-shadow:var(--ivac-shadow-lg);padding:var(--ivac-spacing) var(--ivac-spacing);border:1px solid var(--ivac-border)!important}.ivac-card-header{display:flex;gap:1rem;align-items:flex-start;margin-bottom:1.5rem;padding-bottom:1rem;border-bottom:1px solid var(--ivac-bg)!important}.ivac-card-icon{font-size:2rem!important;line-height:1;flex-shrink:0}.ivac-card-title{font-size:1.2rem!important;font-weight:700;color:var(--ivac-text)!important;margin-bottom:.25rem}.ivac-card-desc{font-size:0.85rem!important;color:var(--ivac-text-muted)!important;line-height:1.5}.ivac-field-group{margin-bottom:1.2rem}.ivac-field-row{display:grid;grid-template-columns:1fr 1fr;gap:1rem}.ivac-label{display:block;font-size:0.88rem!important;font-weight:600;color:var(--ivac-text)!important;margin-bottom:.4rem}.ivac-required{color:var(--ivac-danger)!important}.ivac-input-wrap{position:relative;display:flex;align-items:center}.ivac-prefix{position:absolute;left:.75rem;font-size:0.9rem!important;font-weight:500;color:var(--ivac-text-muted)!important;pointer-events:none;z-index:1}.ivac-input{width:100%;padding:.65rem .75rem .65rem 1.8rem;border:1.5px solid var(--ivac-border)!important;border-radius:var(--ivac-radius)!important;font-family:"Rubik",sans-serif!important;font-size:0.95rem!important;color:var(--ivac-text)!important;background:var(--ivac-white)!important;transition:border-color var(--ivac-transition),box-shadow var(--ivac-transition);-moz-appearance:textfield;appearance:textfield}.ivac-input::-webkit-inner-spin-button,.ivac-input::-webkit-outer-spin-button{-webkit-appearance:none}.ivac-input:focus{outline:none;border-color:var(--ivac-primary)!important;box-shadow:0 0 0 3px rgb(67 97 238 / .12)}.ivac-input.ivac-input-error{border-color:var(--ivac-danger)!important}.ivac-select{width:100%;padding:.65rem .75rem;border:1.5px solid var(--ivac-border)!important;border-radius:var(--ivac-radius);font-family:"Rubik",sans-serif!important;font-size:0.95rem!important;color:var(--ivac-text)!important;background:var(--ivac-white)!important;cursor:pointer;transition:border-color var(--ivac-transition),box-shadow var(--ivac-transition);appearance:auto}.ivac-select:focus{outline:none;border-color:var(--ivac-primary)!important;box-shadow:0 0 0 3px rgb(67 97 238 / .12)}.ivac-hint{display:block;font-size:0.76rem!important;color:var(--ivac-text-muted)!important;margin-top:.3rem}.ivac-error{display:block;font-size:0.78rem!important;color:var(--ivac-danger)!important;margin-top:.3rem;font-weight:500;min-height:1rem}.ivac-live-box{display:flex;align-items:center;justify-content:space-between;background:var(--ivac-secondary-light)!important;border:1px solid rgb(67 97 238 / .15)!important;border-radius:var(--ivac-radius);padding:.75rem 1rem;margin:.75rem 0 .5rem;font-size:0.9rem!important}.ivac-live-box strong{font-size:1.05rem!important;color:var(--ivac-primary)!important;font-weight:700}.ivac-disposable-preview{background:var(--ivac-white)!important;border:1.5px solid var(--ivac-border)!important;border-radius:var(--ivac-radius);padding:.75rem 1rem;margin-bottom:.75rem}.ivac-disp-row{display:flex;justify-content:space-between;align-items:center;font-size:0.9rem!important}.ivac-disp-row strong{font-size:1rem!important;font-weight:700;color:var(--ivac-secondary)!important}.ivac-expenses-grid{display:grid;grid-template-columns:1fr 1fr;gap:.75rem 1rem;margin-bottom:.5rem}.ivac-nav-row{display:flex;justify-content:space-between;align-items:center;margin-top:1.5rem;padding-top:1rem;border-top:1px solid var(--ivac-bg)!important;gap:.75rem}.ivac-btn{display:inline-flex;align-items:center;justify-content:center;gap:.45rem;padding:.65rem 1.4rem;border-radius:var(--ivac-radius);font-family:"Rubik",sans-serif!important;font-size:0.9rem!important;font-weight:600;cursor:pointer;border:2px solid transparent!important;transition:all var(--ivac-transition);text-decoration:none;white-space:nowrap}.ivac-btn:active{transform:scale(.97)}.ivac-btn-primary{background:var(--ivac-primary)!important;color:var(--ivac-white)!important;border-color:var(--ivac-primary)!important}.ivac-btn-primary:hover{background:var(--ivac-primary-deep)!important;border-color:var(--ivac-primary-deep)!important;box-shadow:0 4px 14px rgb(67 97 238 / .35)}.ivac-btn-calculate{background:linear-gradient(135deg,var(--ivac-primary),#7b2ff7)!important;color:var(--ivac-white)!important;border-color:var(--ivac-primary)!important;padding:.75rem 1.75rem;font-size:1rem!important;box-shadow:0 4px 20px rgb(67 97 238 / .3)}.ivac-btn-calculate:hover{box-shadow:0 6px 24px rgb(67 97 238 / .45);transform:translateY(-1px)}.ivac-btn-ghost{background:transparent!important;color:var(--ivac-text-muted)!important;border-color:var(--ivac-border)!important}.ivac-btn-ghost:hover{border-color:var(--ivac-primary)!important;color:var(--ivac-primary)!important;background:var(--ivac-secondary-light)!important}.ivac-btn-pdf{background:var(--ivac-primary)!important;color:var(--ivac-white)!important;border-color:var(--ivac-primary)!important}.ivac-btn-pdf:hover{background:var(--ivac-primary-deep)!important;border-color:var(--ivac-primary-deep)!important}.ivac-btn-copy{background:var(--ivac-secondary)!important;color:var(--ivac-white)!important;border-color:var(--ivac-secondary)!important}.ivac-btn-copy:hover{background:#008a57!important;border-color:#008a57!important}.ivac-btn-reset{background:transparent!important;color:var(--ivac-danger)!important;border-color:var(--ivac-danger)!important}.ivac-btn-reset:hover{background:var(--ivac-danger-light)!important}.ivac-btn-danger{background:var(--ivac-danger)!important;color:var(--ivac-white)!important;border-color:var(--ivac-danger)!important}.ivac-btn-danger:hover{background:#c0392b!important;border-color:#c0392b!important}.ivac-btn-icon{font-size:1rem!important}.ivac-eligibility-banner{border-radius:var(--ivac-radius);padding:1rem 1.25rem;margin-bottom:1.5rem;font-size:0.92rem!important;font-weight:500;display:none;line-height:1.5}.ivac-eligibility-banner.ivac-elig-good{background:var(--ivac-success-light)!important;border:1.5px solid var(--ivac-success)!important;color:#065f46!important;display:block}.ivac-eligibility-banner.ivac-elig-warn{background:var(--ivac-warning-light)!important;border:1.5px solid var(--ivac-warning)!important;color:#92400e!important;display:block}.ivac-eligibility-banner.ivac-elig-bad{background:var(--ivac-danger-light)!important;border:1.5px solid var(--ivac-danger)!important;color:#7f1d1d!important;display:block}.ivac-results-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1rem;margin-bottom:1.5rem}.ivac-result-card{background:var(--ivac-white)!important;border-radius:var(--ivac-radius);padding:1.25rem;box-shadow:var(--ivac-shadow);border:1px solid var(--ivac-border)!important;text-align:center;opacity:0;transform:translateY(16px);transition:opacity 0.5s ease,transform 0.5s ease,box-shadow 0.2s ease}.ivac-result-card.ivac-card-visible{opacity:1;transform:translateY(0)}.ivac-result-card:hover{box-shadow:var(--ivac-shadow-lg)}.ivac-result-primary{border-top:3px solid var(--ivac-primary)!important}.ivac-result-danger{border-top:3px solid var(--ivac-secondary)!important}.ivac-result-neutral{border-top:3px solid var(--ivac-border)!important}.ivac-result-icon{font-size:1.75rem!important;margin-bottom:.5rem;line-height:1}.ivac-result-label{font-size:0.78rem!important;font-weight:600;color:var(--ivac-text-muted)!important;text-transform:uppercase;letter-spacing:.06em;margin-bottom:.4rem}.ivac-result-value{font-size:1.65rem!important;font-weight:800;color:var(--ivac-text)!important;line-height:1.1;margin-bottom:.3rem;letter-spacing:-.02em}.ivac-result-primary .ivac-result-value{color:var(--ivac-primary)!important}.ivac-result-danger .ivac-result-value{color:var(--ivac-secondary)!important}.ivac-result-sub{font-size:0.75rem!important;color:var(--ivac-text-muted)!important}.ivac-breakdown-card,.ivac-chart-card{background:var(--ivac-white)!important;border-radius:var(--ivac-radius);box-shadow:var(--ivac-shadow);padding:1.5rem;border:1px solid var(--ivac-border)!important;margin-bottom:1rem}.ivac-breakdown-title{font-size:1rem!important;font-weight:700;color:var(--ivac-text)!important;margin-bottom:1rem}.ivac-breakdown-table{display:flex;flex-direction:column;gap:0}.ivac-bd-row{display:flex;justify-content:space-between;align-items:center;padding:.6rem 0;border-bottom:1px solid var(--ivac-bg)!important;font-size:0.88rem!important}.ivac-bd-row:last-child{border-bottom:none!important}.ivac-bd-row.ivac-bd-total{font-weight:700;border-top:2px solid var(--ivac-border)!important;border-bottom:none!important;margin-top:.25rem;padding-top:.75rem;font-size:0.95rem!important}.ivac-bd-label{color:var(--ivac-text-muted)!important}.ivac-bd-value{font-weight:600;color:var(--ivac-text)!important}.ivac-bd-value.ivac-val-primary{color:var(--ivac-primary)!important}.ivac-bd-value.ivac-val-green{color:var(--ivac-secondary)!important}.ivac-bd-value.ivac-val-danger{color:var(--ivac-danger)!important}.ivac-chart-wrap{padding-top:.5rem}.ivac-chart-bars{display:flex;align-items:flex-end;gap:.6rem;height:120px;justify-content:flex-start;margin-bottom:.75rem}.ivac-chart-bar-group{display:flex;flex-direction:column;align-items:center;gap:.25rem;flex:1;max-width:80px;height:100%;justify-content:flex-end}.ivac-bar-stack{width:100%;display:flex;flex-direction:column;border-radius:4px 4px 0 0;overflow:hidden;transition:height 0.8s cubic-bezier(.4,0,.2,1)}.ivac-bar-repaid{background:var(--ivac-primary)!important;min-height:4px}.ivac-bar-writeoff{background:#e2e8f0!important;min-height:4px}.ivac-bar-label{font-size:0.68rem!important;color:var(--ivac-text-muted)!important;text-align:center;font-weight:500}.ivac-chart-legend{display:flex;gap:1.25rem}.ivac-legend-item{display:flex;align-items:center;gap:.4rem;font-size:0.78rem!important;color:var(--ivac-text-muted)!important}.ivac-legend-item::before{content:"";width:12px;height:12px;border-radius:3px;flex-shrink:0}.ivac-legend-repaid::before{background:var(--ivac-primary)!important}.ivac-legend-writeoff::before{background:#e2e8f0!important;border:1px solid var(--ivac-border)!important}.ivac-disclaimer{background:#fffbeb!important;border:1px solid #fcd34d!important;border-radius:var(--ivac-radius);padding:.9rem 1rem;font-size:0.78rem!important;color:#78350f!important;line-height:1.55;margin-bottom:1.25rem}.ivac-actions{display:flex;flex-wrap:wrap;gap:.75rem;margin-bottom:.75rem}.ivac-copy-feedback{font-size:0.82rem!important;color:var(--ivac-secondary)!important;font-weight:500;min-height:1.2rem;transition:opacity 0.3s}.ivac-modal-overlay{position:fixed;inset:0;background:rgb(0 0 0 / .45);display:flex;align-items:center;justify-content:center;z-index:9999;padding:1rem;animation:ivacFadeIn 0.2s ease}.ivac-modal-overlay[hidden]{display:none}.ivac-modal{background:var(--ivac-white)!important;border-radius:var(--ivac-radius);padding:2rem;max-width:380px;width:100%;text-align:center;box-shadow:0 20px 60px rgb(0 0 0 / .2);animation:ivacSlideUp 0.25s ease}.ivac-modal-icon{font-size:2.5rem!important;margin-bottom:.75rem}.ivac-modal-title{font-size:1.2rem!important;font-weight:700;color:var(--ivac-text)!important;margin-bottom:.5rem}.ivac-modal-body{font-size:0.88rem!important;color:var(--ivac-text-muted)!important;margin-bottom:1.5rem;line-height:1.5}.ivac-modal-actions{display:flex;gap:.75rem;justify-content:center}@keyframes ivacFadeIn{from{opacity:0}to{opacity:1}}@keyframes ivacSlideUp{from{opacity:0;transform:translateY(20px)}to{opacity:1;transform:translateY(0)}}@media (max-width:640px){.ivac-hero{padding:1.5rem 0 1.25rem}.ivac-card{padding:1.1rem}.ivac-field-row{grid-template-columns:1fr}.ivac-expenses-grid{grid-template-columns:1fr}.ivac-results-grid{grid-template-columns:1fr}.ivac-progress-step{min-width:48px}.ivac-step-label{display:none}.ivac-nav-row{flex-direction:column-reverse}.ivac-nav-row .ivac-btn{width:100%}.ivac-actions{flex-direction:column}.ivac-actions .ivac-btn{width:100%}.ivac-modal-actions{flex-direction:column}.ivac-modal-actions .ivac-btn{width:100%}.ivac-result-value{font-size:1.35rem!important}.ivac-btn-calculate{width:100%}}@media (max-width:420px){.ivac-hero-title{font-size:1.4rem!important}.ivac-badges{flex-direction:column;align-items:center}}@media (min-width:641px) and (max-width:820px){.ivac-results-grid{grid-template-columns:repeat(2,1fr)}}