:root{--navy:#08445c;--navy-dark:#052f40;--teal:#0bafaf;--teal-dark:#199ca0;--orange:#ff7b0f;--orange-dark:#e56d0c;--green:#15bb6a;--bg:#f2f2f2;--card:#fff;--text:#1f2a37;--muted:#607080;--border:#dde5ea;--r-card:22px;--r-btn:14px;--r-step:18px;--r-input:8px}.sim-wrap{background:var(--bg)}.hero{background:#fff;border-bottom:1px solid var(--border);padding:40px 16px;text-align:center}.hero-tag{color:var(--orange);font-size:11px;font-weight:700;letter-spacing:.12em;margin-bottom:12px;text-transform:uppercase}.hero h2{color:var(--navy);font-size:clamp(1.6rem,4vw,2.4rem);font-weight:900;line-height:1.18;margin-bottom:12px}.hero p{color:var(--muted);font-size:15px;line-height:1.6;margin:0 auto;max-width:520px}.steps{display:flex;flex-wrap:wrap;gap:16px;justify-content:center;margin-top:28px}.step-pill{background:var(--bg);font-size:14px;gap:10px;padding:8px 16px}.step-icon-calc,.step-pill{align-items:center;border-radius:9999px;display:flex}.step-icon-calc{background:var(--teal);color:#fff;flex-shrink:0;height:28px;justify-content:center;width:28px}.step-icon-calc svg{height:16px;width:16px}.step-label{color:var(--navy);font-weight:600}.main-grid{align-items:start;display:grid;gap:24px;grid-template-columns:1fr;margin:0 auto;max-width:1080px;padding:32px 16px}@media (min-width:1024px){.main-grid{grid-template-columns:2fr 3fr}.form-card{position:sticky;top:24px}}.form-card{background:#fff;border-radius:var(--r-card);box-shadow:0 14px 34px rgba(12,51,73,.09);overflow:hidden}.form-header{background:var(--navy);padding:20px 24px}.form-header h3{color:#fff;font-size:18px;font-weight:700;line-height:1.25}.form-header p{color:hsla(0,0%,100%,.6);font-size:12px;margin-top:4px}.form-body{display:flex;flex-direction:column;gap:20px;padding:24px}.field-label{align-items:center;color:var(--navy);display:flex;font-size:13px;font-weight:600;gap:6px;margin-bottom:6px}.field-label svg{color:var(--teal);height:14px;width:14px}.field-hint{color:var(--muted);font-size:11px;margin-top:6px}input[type=number],input[type=text],select{appearance:none;-webkit-appearance:none;background:#fff;border:1px solid var(--border);border-radius:var(--r-input);color:var(--text);font-family:Poppins,sans-serif;font-size:14px;font-weight:500;outline:none;padding:14px 16px;transition:border-color .15s,box-shadow .15s;width:100%}input:focus,select:focus{border-color:var(--teal);box-shadow:0 0 0 3px rgba(11,175,175,.15)}input::placeholder{color:#ccc}.currency-wrap{position:relative}.currency-prefix{color:var(--muted);font-size:14px;font-weight:600;left:14px;pointer-events:none;position:absolute;top:50%;transform:translateY(-50%);user-select:none}.currency-wrap input{padding-left:28px}.select-wrap{position:relative}.select-wrap select{cursor:pointer;padding-right:36px}.select-arrow{color:var(--muted);pointer-events:none;position:absolute;right:14px;top:50%;transform:translateY(-50%)}.select-arrow svg{height:15px;width:15px}.btn-simulate{background:var(--orange);border:none;border-radius:var(--r-btn);box-shadow:0 6px 14px rgba(220,106,31,.28);color:#fff;cursor:pointer;font-family:Poppins,sans-serif;font-size:14px;font-weight:700;letter-spacing:.04em;min-height:52px;padding:16px;transition:background .15s,transform .1s,box-shadow .15s;width:100%}.btn-simulate:hover{background:var(--orange-dark);transform:translateY(-2px)}.btn-simulate:active{transform:scale(.98)}.empty-state{background:#fff;border:2px dashed var(--border);border-radius:var(--r-card);box-shadow:0 2px 8px rgba(0,0,0,.04);flex-direction:column;min-height:280px;padding:40px;text-align:center}.empty-icon,.empty-state{align-items:center;display:flex;justify-content:center}.empty-icon{background:linear-gradient(135deg,#ff8a2b,#f26d21 55%,#f58526);border-radius:var(--r-step);height:64px;margin-bottom:16px;width:64px}.empty-icon svg{color:#fff;height:28px;width:28px}.empty-state h4{color:var(--navy);font-size:18px;font-weight:700;margin-bottom:8px}.empty-state p{color:var(--muted);font-size:14px;line-height:1.55;max-width:260px}.empty-state span{color:var(--orange);font-weight:600}.results-col{display:flex;flex-direction:column;gap:16px}.summary-banner{background:linear-gradient(135deg,#08445c,#0d6180);border-radius:var(--r-card);color:#fff;padding:24px}.summary-grid{display:grid;gap:16px;grid-template-columns:1fr 1fr;margin-bottom:12px}.summary-label{color:hsla(0,0%,100%,.6);font-size:11px;font-weight:600;letter-spacing:.08em;margin-bottom:4px;text-transform:uppercase}.summary-val{font-size:clamp(1.3rem,3vw,1.8rem);font-weight:900;line-height:1}.summary-bar{align-items:center;border-top:1px solid hsla(0,0%,100%,.1);display:flex;gap:12px;margin-top:16px;padding-top:16px}.avatar,.avatar-stack{display:flex}.avatar{align-items:center;border:2px solid #08445c;border-radius:9999px;color:#fff;font-size:9px;font-weight:700;height:24px;justify-content:center;margin-left:-6px;width:24px}.avatar:first-child{margin-left:0}.summary-bar p{color:hsla(0,0%,100%,.7);font-size:12px}.summary-bar span{color:#fff;font-weight:700}.section-title{font-size:11px;font-weight:700;letter-spacing:.1em;margin-bottom:10px;padding:0 4px;text-transform:uppercase}.section-title.approved{color:var(--muted)}.section-title.rejected{color:var(--border)}.bank-list{display:flex;flex-direction:column;gap:10px}.bank-card{border:1px solid var(--border);border-radius:var(--r-step);overflow:hidden;transition:all .2s}.bank-card.qualifies{background:#fff;box-shadow:0 14px 34px rgba(12,51,73,.09)}.bank-card.no-qualifies{background:#fff;border-color:rgba(221,229,234,.5);opacity:.6}.bank-card-btn{background:none;border:none;cursor:pointer;font-family:Poppins,sans-serif;padding:0;width:100%}.bank-card-header{align-items:center;display:flex;gap:12px;padding:16px 20px}.bank-status svg{flex-shrink:0;height:22px;width:22px}.bank-status.ok svg{color:var(--green)}.bank-status.no svg{color:#ccc}.bank-info{flex:1;min-width:0;text-align:left}.bank-name{font-size:13px;font-weight:700;line-height:1.25;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}.bank-name.ok{color:var(--navy)}.bank-name.no,.bank-sub{color:var(--muted)}.bank-sub{font-size:11px;margin-top:2px}.bank-sub .teal{color:var(--teal);font-weight:600}.bank-sub .red{color:#f87171}.bank-amount{flex-shrink:0;text-align:right}.bank-amount-label{color:var(--muted);font-size:11px;font-weight:500;line-height:1.2}.bank-amount-val{color:var(--navy);font-size:16px;font-weight:700}.bank-chevron{flex-shrink:0;margin-left:4px}.bank-chevron svg{color:var(--muted);height:16px;width:16px}.bank-detail{background:#f7fafc;border-top:1px solid var(--border);display:none;padding:16px 20px}.bank-detail.open{display:block}.detail-grid{display:grid;gap:12px 20px;grid-template-columns:1fr 1fr}.detail-label{color:var(--muted);font-size:11px;font-weight:500}.detail-val{color:var(--navy);font-size:12px;font-weight:600;margin-top:2px}.detail-val.accent{color:var(--green)}.bank-note{background:#fffbeb;border:1px solid #fef3c7;border-radius:8px;color:#92400e;display:flex;font-size:11px;gap:8px;line-height:1.55;margin-top:12px;padding:12px}.bank-note svg{color:#f59e0b;flex-shrink:0;height:13px;margin-top:2px;width:13px}.btn-cta{align-items:center;background:var(--orange);border-radius:var(--r-btn);box-shadow:0 6px 14px rgba(220,106,31,.28);color:#fff;display:flex;font-family:Poppins,sans-serif;font-size:14px;font-weight:700;gap:8px;justify-content:center;letter-spacing:.04em;min-height:52px;padding:16px;text-decoration:none;transition:background .15s,transform .1s;width:100%}.btn-cta:hover{background:var(--orange-dark);transform:translateY(-2px)}.btn-cta:active{transform:scale(.98)}.btn-cta svg{height:16px;width:16px}.section-rejected{margin-top:4px}