@import"https://fonts.googleapis.com/css2?family=Poppins:wght@300;400;500;600;700&display=swap";:root{--brand: #ff6716;--brand-dark: #d94f0e;--brand-light: #fff3ed}*,*:before,*:after{box-sizing:border-box;margin:0;padding:0}html{font-size:16px;scroll-behavior:smooth}body{font-family:Poppins,Segoe UI,Arial,sans-serif;background:#f4f6f9;color:#333;min-height:100vh;line-height:1.6}.topbar{background:#222;color:#ccc;font-size:.75rem;padding:7px 0}.topbar-inner{max-width:1200px;margin:0 auto;padding:0 20px;display:flex;flex-wrap:wrap;gap:16px;align-items:center}.topbar-item{display:flex;align-items:center;gap:5px;white-space:nowrap}.topbar-icon{width:13px;height:13px;flex-shrink:0;color:var(--brand)}.site-header{background:#fff;border-bottom:3px solid var(--brand);box-shadow:0 2px 8px #00000014;position:sticky;top:0;z-index:100}.header-inner{max-width:1200px;margin:0 auto;padding:0 20px;display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:70px}.header-logo-link{display:flex;align-items:center;flex-shrink:0}.header-logo{height:48px;width:auto;object-fit:contain}.header-nav{display:flex;align-items:center;gap:4px;flex-wrap:nowrap}.nav-link{font-size:.8rem;font-weight:600;color:#444;text-decoration:none;padding:8px 12px;border-radius:4px;transition:color .2s,background .2s;white-space:nowrap}.nav-link:hover{color:var(--brand);background:var(--brand-light)}.hamburger{display:none;flex-direction:column;justify-content:center;gap:5px;width:34px;height:34px;background:none;border:none;cursor:pointer;padding:4px}.hamburger span{display:block;height:2px;background:#444;border-radius:2px;transition:background .2s}.hamburger:hover span{background:var(--brand)}.mobile-nav{display:flex;flex-direction:column;background:#fff;border-top:1px solid #eee;padding:8px 0}.mobile-nav-link{font-size:.875rem;font-weight:600;color:#444;text-decoration:none;padding:12px 24px;transition:color .2s,background .2s}.mobile-nav-link:hover{color:var(--brand);background:var(--brand-light)}@media(max-width:900px){.header-nav{display:none}.hamburger{display:flex}}.page-wrapper{display:flex;flex-direction:column;min-height:100vh}.main-content{flex:1;padding:30px 16px}.calc-container{max-width:1100px;margin:0 auto}.calc-title{font-size:1.8rem;font-weight:700;color:var(--brand);margin-bottom:4px;text-align:center}.calc-updated{font-size:.75rem;color:#999;text-align:center;margin-bottom:28px}.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px;align-items:start}@media(max-width:768px){.calc-grid{grid-template-columns:1fr}}.input-card{background:#fff;border-radius:8px;padding:20px;margin-bottom:16px;box-shadow:0 1px 4px #00000014}.card-header-logo{display:flex;align-items:center;gap:10px;margin-bottom:14px}.institution-logo{height:36px;width:auto;object-fit:contain}.card-title{font-size:.85rem;font-weight:600;color:var(--brand);text-transform:uppercase;letter-spacing:.5px;border-bottom:2px solid var(--brand);padding-bottom:8px;margin-bottom:16px}.card-header-logo+.card-title{border-bottom:none;padding-bottom:0;margin-bottom:0}.form-group{margin-bottom:16px}.form-label{display:block;font-size:.78rem;font-weight:600;color:#555;text-transform:uppercase;letter-spacing:.4px;margin-bottom:6px}.form-input{width:100%;padding:10px 12px;font-size:.95rem;font-family:inherit;border:1px solid #ddd;border-radius:5px;background:#fafafa;color:#333;transition:border-color .2s,box-shadow .2s;outline:none}.form-input:focus{border-color:var(--brand);box-shadow:0 0 0 3px #ff67161f;background:#fff}.form-input.input-error{border-color:#e74c3c}.error-msg{display:block;font-size:.72rem;color:#e74c3c;margin-top:4px}.form-input[type=number]::-webkit-inner-spin-button,.form-input[type=number]::-webkit-outer-spin-button{-webkit-appearance:none}.form-input[type=number]{-moz-appearance:textfield}.toggle-group{display:flex;gap:6px}.toggle-group--vertical{flex-direction:column}.toggle-btn{padding:8px 18px;font-size:.78rem;font-weight:600;font-family:inherit;border:2px solid var(--brand);border-radius:4px;background:#fff;color:var(--brand);cursor:pointer;transition:background .18s,color .18s;letter-spacing:.5px;text-transform:uppercase}.toggle-btn:hover{background:var(--brand-light)}.toggle-btn.active{background:var(--brand);color:#fff}.toggle-btn--wide{width:100%;text-align:left;padding:10px 14px}.calc-btn{width:100%;padding:14px;background:var(--brand);color:#fff;border:none;border-radius:6px;font-size:1rem;font-weight:700;font-family:inherit;letter-spacing:1px;cursor:pointer;text-transform:uppercase;transition:background .2s,transform .1s;box-shadow:0 2px 8px #ff67164d}.calc-btn:hover{background:var(--brand-dark)}.calc-btn:active{transform:scale(.98)}.summary-column{background:#fff;border-radius:8px;padding:20px;box-shadow:0 1px 4px #00000014;position:sticky;top:86px}.summary-title{font-size:.85rem;font-weight:700;color:var(--brand);text-transform:uppercase;letter-spacing:.5px;border-bottom:2px solid var(--brand);padding-bottom:10px;margin-bottom:14px}.summary-row{display:flex;justify-content:space-between;align-items:baseline;padding:9px 0;border-bottom:1px solid #f0f0f0}.summary-row:last-of-type{border-bottom:none}.summary-row--highlight{background:#fff3ed;border-radius:4px;padding:9px 8px;margin:4px -8px}.summary-label{font-size:.72rem;font-weight:600;color:#555;text-transform:uppercase;letter-spacing:.3px;flex:1;padding-right:10px}.summary-value{font-size:.88rem;font-weight:700;color:var(--brand);white-space:nowrap}.summary-row--highlight .summary-label{color:var(--brand-dark)}.summary-row--highlight .summary-value{color:var(--brand)}.rates-note{font-size:.68rem;color:#aaa;margin-top:12px;text-align:center;font-style:italic}.site-footer{background:#222;color:#fff9;text-align:center;padding:14px;font-size:.78rem}