*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
  :root{
    --blue:#1e3a5f;--blue2:#2d5282;--green:#10b981;--red:#dc2626;
    --gray:#6b7280;--border:#e5e7eb;--bg:#f8fafc;
  }
  body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;background:var(--bg);color:#111827;min-height:100vh}
  
  /* Header */
  header{background:var(--blue);padding:14px 20px;display:flex;align-items:center;justify-content:space-between}
  header a.logo{color:#fff;font-weight:800;font-size:18px;text-decoration:none;letter-spacing:-.5px}
  header a.logo span{color:#60a5fa}
  header nav{display:flex;gap:16px;align-items:center}
  header nav a{color:rgba(255,255,255,.75);font-size:13px;text-decoration:none;transition:.2s}
  header nav a:hover{color:#fff}
  header .btn-trial{background:#fff;color:var(--blue);padding:7px 16px;border-radius:6px;font-size:13px;font-weight:600;text-decoration:none;transition:.2s}
  header .btn-trial:hover{background:#dbeafe;color:var(--blue2)}
  
  .hero{background:linear-gradient(135deg,var(--blue) 0%,var(--blue2) 100%);padding:36px 20px;text-align:center}
  .hero h1{font-size:clamp(22px,4vw,32px);font-weight:900;color:#fff;margin-bottom:8px}
  .hero p{color:rgba(255,255,255,.8);font-size:15px;max-width:480px;margin:0 auto}
  
  .container{max-width:880px;margin:0 auto;padding:24px 16px}
  
  /* Grid layout: form left, result right */
  .grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}
  @media(max-width:640px){.grid{grid-template-columns:1fr}}
  
  .card{background:#fff;border-radius:12px;padding:24px;box-shadow:0 1px 3px rgba(0,0,0,.08);border:1px solid var(--border)}
  .card h2{font-size:15px;font-weight:700;color:var(--blue);margin-bottom:16px;display:flex;align-items:center;gap:8px}
  
  /* Form */
  label{display:block;font-size:13px;font-weight:600;color:#374151;margin-bottom:6px;margin-top:14px}
  label:first-of-type{margin-top:0}
  input[type=number],select{width:100%;padding:10px 12px;border:1.5px solid var(--border);border-radius:8px;font-size:15px;background:#fff;transition:.2s;-webkit-appearance:none}
  input:focus,select:focus{outline:none;border-color:var(--blue2);box-shadow:0 0 0 3px rgba(45,82,130,.1)}
  
  .toggle-row{display:flex;align-items:center;justify-content:space-between;padding:10px 0;border-bottom:1px solid #f3f4f6}
  .toggle-row:last-child{border-bottom:none}
  .toggle-row span{font-size:13px;color:#374151}
  .toggle{position:relative;display:inline-block;width:40px;height:22px}
  .toggle input{opacity:0;width:0;height:0}
  .slider{position:absolute;cursor:pointer;inset:0;background:#d1d5db;border-radius:22px;transition:.3s}
  .slider:before{position:absolute;content:"";height:16px;width:16px;left:3px;bottom:3px;background:#fff;border-radius:50%;transition:.3s}
  input:checked+.slider{background:var(--green)}
  input:checked+.slider:before{transform:translateX(18px)}
  
  .calc-btn{width:100%;margin-top:20px;padding:14px;background:var(--blue);color:#fff;border:none;border-radius:10px;font-size:16px;font-weight:700;cursor:pointer;transition:.2s;letter-spacing:-.2px}
  .calc-btn:hover{background:var(--blue2)}
  .calc-btn:disabled{background:#9ca3af;cursor:not-allowed}
  
  /* Result panel */
  .result-panel{display:flex;flex-direction:column;gap:12px}
  .result-placeholder{text-align:center;padding:40px 20px;color:var(--gray)}
  .result-placeholder .icon{font-size:40px;margin-bottom:12px}
  .result-placeholder p{font-size:14px;line-height:1.6}
  
  .net-card{background:linear-gradient(135deg,#0f172a,#1e3a5f);border-radius:12px;padding:20px;color:#fff;text-align:center}
  .net-label{font-size:12px;font-weight:500;opacity:.65;text-transform:uppercase;letter-spacing:.5px;margin-bottom:4px}
  .net-amount{font-size:42px;font-weight:900;color:#4ade80;line-height:1;margin-bottom:4px}
  .net-annual{font-size:14px;opacity:.7}
  
  .breakdown{display:flex;flex-direction:column;gap:4px}
  .breakdown-title{font-size:12px;font-weight:700;color:var(--gray);text-transform:uppercase;letter-spacing:.5px;margin:8px 0 4px}
  .row{display:flex;justify-content:space-between;align-items:center;padding:8px 10px;border-radius:6px;font-size:13px}
  .row:nth-child(even){background:#f9fafb}
  .row span:first-child{color:#374151}
  .row span:last-child{font-weight:600;color:#111827}
  .row.total{background:var(--blue);color:#fff;font-weight:700;margin-top:6px;border-radius:8px}
  .row.total span{color:#fff}
  .row.employer{background:#fef3c7}
  .row.employer-total{background:#f59e0b;color:#fff;font-weight:700;border-radius:8px}
  .row.employer-total span{color:#fff}
  
  /* Lead capture section (shown after calculation) */
  .lead-card{display:none;background:linear-gradient(135deg,#eff6ff,#dbeafe);border:1.5px solid #93c5fd;border-radius:12px;padding:20px}
  .lead-card.show{display:block}
  .lead-card h3{font-size:15px;font-weight:800;color:var(--blue);margin-bottom:4px}
  .lead-card p{font-size:13px;color:#4b5563;margin-bottom:14px;line-height:1.5}
  .lead-form{display:flex;gap:8px;flex-wrap:wrap}
  .lead-form input{flex:1;min-width:160px;padding:10px 12px;border:1.5px solid #93c5fd;border-radius:8px;font-size:14px;background:#fff}
  .lead-form input:focus{outline:none;border-color:var(--blue2)}
  .lead-submit{padding:10px 20px;background:var(--blue);color:#fff;border:none;border-radius:8px;font-size:14px;font-weight:700;cursor:pointer;white-space:nowrap;transition:.2s}
  .lead-submit:hover{background:var(--blue2)}
  .lead-success{display:none;text-align:center;padding:12px;background:#ecfdf5;border-radius:8px;color:#065f46;font-size:14px;font-weight:600}
  .lead-success.show{display:block}
  
  /* Trust indicators */
  .trust{display:flex;flex-wrap:wrap;gap:8px;justify-content:center;margin-top:20px}
  .badge{display:inline-flex;align-items:center;gap:5px;padding:5px 10px;background:#fff;border:1px solid var(--border);border-radius:20px;font-size:12px;color:var(--gray);font-weight:500}
  .badge svg{width:14px;height:14px;flex-shrink:0}
  
  footer{background:var(--blue);color:rgba(255,255,255,.5);text-align:center;padding:16px;font-size:12px;margin-top:32px}
  footer a{color:rgba(255,255,255,.6);text-decoration:none}
  footer a:hover{color:#fff}

  .label-hint{font-weight:500;color:var(--gray);font-size:11px}
  .calc-error{display:none;margin-top:14px;padding:10px 12px;border-radius:8px;background:#fef2f2;border:1px solid #fecaca;color:#991b1b;font-size:13px;line-height:1.4}
  .calc-error.show{display:block}
  .assumption-note{margin-top:12px;padding:10px 12px;border-radius:8px;background:#f8fafc;border:1px solid var(--border);color:#64748b;font-size:11px;line-height:1.5}
  .assumption-note strong{color:#334155}