.sim-section{padding:82px clamp(22px,8vw,118px) 74px;background:var(--ink);color:var(--paper)}
.sim-wrap{width:min(100%,1240px);margin:0 auto}
.sim-heading{display:grid;grid-template-columns:1fr minmax(250px,.5fr);gap:48px;align-items:end;margin:35px 0 32px}
.sim-heading h2{max-width:760px;margin:13px 0 0;font:700 clamp(42px,6.5vw,78px)/.9 var(--display);letter-spacing:-.035em;text-transform:uppercase}
.sim-heading h2 em{font:500 .72em var(--serif);letter-spacing:-.045em;text-transform:none;color:#e3bf52}
.sim-heading>p{max-width:370px;margin:0 0 5px;color:#c0cbd4;font-size:13px;line-height:1.8}
.simulator{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(270px,.65fr);gap:14px;align-items:stretch}
.sim-inputs{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:17px 14px;padding:25px;background:#fffefa;color:#102b4b}
.sim-inputs>label,.analysis-form>label:not(.sim-consent){display:grid;gap:7px;align-content:start;font-size:10px;font-weight:700;line-height:1.4}
.input-wrap{display:flex;height:47px;align-items:center;gap:8px;padding:0 12px;border:1px solid #cbd0d2;background:#fff}
.input-wrap b{font-size:11px;color:#718096}
.input-wrap input{width:100%;min-width:0;height:100%;border:0;background:transparent;color:#102b4b;font:600 13px var(--sans);outline:0}
.sim-inputs select,.analysis-form select,.analysis-form input:not([type=checkbox]){width:100%;min-width:0;height:47px;padding:0 11px;border:1px solid #cbd0d2;border-radius:0;background:#fff;color:#233d59;font:500 12px var(--sans)}
.sim-inputs input:focus-visible,.sim-inputs select:focus-visible,.analysis-form input:focus-visible,.analysis-form select:focus-visible{outline:2px solid #2e6db4;outline-offset:2px}
.rate-reference{grid-column:1/-1;min-height:71px;padding:13px 14px;border-left:3px solid #b79a62;background:#f2f1ed;color:#46586b;font-size:10px;line-height:1.65}
.rate-reference strong{color:#102b4b}.rate-reference span{display:block;margin-top:5px;color:#64717c}
.sim-button,.sim-submit,.sim-whatsapp{display:flex;min-height:48px;align-items:center;justify-content:space-between;gap:14px;padding:0 16px;border:0;background:#102b4b;color:#fff;font:700 11px var(--sans);cursor:pointer;transition:background .2s,transform .2s}
.sim-button{grid-column:1/-1;background:#102b4b}.sim-button:hover,.sim-submit:hover{background:#2e6db4;transform:translateY(-1px)}
.sim-result{display:flex;flex-direction:column;min-height:100%;padding:27px 25px;background:#1b4172;color:#fff}
.result-top{display:flex;align-items:center;justify-content:space-between;font:700 9px var(--display);letter-spacing:.14em;color:#dbe4ed}.result-top span:last-child{font-size:22px;color:#e3bf52}
.result-value{margin:27px 0 11px;font:700 clamp(33px,4vw,53px)/1 var(--display);letter-spacing:-.04em;overflow-wrap:anywhere}
.result-caption{min-height:58px;margin:0;color:#d1dbea;font-size:11px;line-height:1.65}
.result-divider{height:1px;margin:19px 0 14px;background:#6a89ab}
.result-detail{display:flex;justify-content:space-between;gap:12px;padding:8px 0;color:#d1dbea;font-size:10px}.result-detail strong{text-align:right;color:#fff}
.result-disclaimer{margin:auto 0 0;padding-top:22px;color:#c1cedd;font-size:9px;line-height:1.65}
.analysis-next-step{display:grid;grid-template-columns:minmax(0,1fr) minmax(310px,.8fr);gap:24px;margin-top:18px;padding:24px;background:#f2f1ed;color:#102b4b}
.analysis-next-step[hidden]{display:none}
.analysis-copy h3{max-width:580px;margin:12px 0;font:600 clamp(25px,3vw,38px)/1.08 var(--serif)}
.analysis-copy>p:not(.analysis-summary){max-width:520px;color:#566879;font-size:11px;line-height:1.7}
.analysis-summary{margin:15px 0 0;padding:13px;background:#fff;color:#314b68;font-size:10px;line-height:1.7}
.analysis-form{display:grid;gap:12px;padding:19px;background:#fff}
.sim-consent{display:grid;grid-template-columns:17px 1fr;gap:9px;align-items:start;color:#526780;font-size:9px;line-height:1.65}
.sim-consent input{margin:3px 0 0;accent-color:#2e6db4}
.sim-consent a{font-weight:700;text-decoration:underline}
.sim-submit{background:#102b4b}.sim-whatsapp{border:1px solid #cbd0d2;background:#fff;color:#102b4b}
.sim-whatsapp:hover{border-color:#2e6db4;color:#2e6db4}
.form-feedback{margin:0;color:#314b68;font-size:10px;line-height:1.6}
.sim-honeypot{position:absolute!important;width:1px!important;height:1px!important;padding:0!important;margin:-1px!important;overflow:hidden!important;clip:rect(0,0,0,0)!important;white-space:nowrap!important;border:0!important}
.sim-footnote{max-width:1000px;margin:17px 0 0;color:#c5d0dc;font-size:9px;line-height:1.7}
.sim-footnote a{color:#fff;text-decoration:underline;text-underline-offset:2px}
@media(max-width:820px){.sim-section{padding:70px 24px 62px}.sim-heading{grid-template-columns:1fr;gap:13px;margin:30px 0 25px}.sim-heading>p{max-width:580px}.simulator{grid-template-columns:1fr .78fr}.sim-inputs{padding:20px 17px;gap:14px 11px}.analysis-next-step{grid-template-columns:1fr;gap:18px}.analysis-form{grid-template-columns:1fr 1fr}.analysis-form .sim-consent,.analysis-form .sim-submit,.analysis-form .sim-whatsapp,.analysis-form .form-feedback{grid-column:1/-1}}
@media(max-width:600px){.sim-section{padding:65px 17px 55px}.sim-heading h2{font-size:44px}.sim-heading>p{font-size:11px}.simulator{grid-template-columns:1fr}.sim-inputs{grid-template-columns:1fr;padding:20px 16px;gap:13px}.sim-inputs>label{font-size:9px}.rate-reference{grid-column:auto}.sim-result{min-height:310px;padding:23px 20px}.result-value{font-size:43px}.analysis-next-step{padding:18px 14px}.analysis-form{grid-template-columns:1fr;padding:16px}.analysis-form .sim-consent,.analysis-form .sim-submit,.analysis-form .sim-whatsapp,.analysis-form .form-feedback{grid-column:auto}.sim-footnote{font-size:8px}}