:root{
  --navy:#1E40AF;--action:#2563EB;--ink:#111827;--sage:#F0F4F3;--gray:#6B7280;--border:#E5E7EB;--white:#fff;--gold:#B8860B;
  --display:'Newsreader',Georgia,'Times New Roman',serif;
  --sans:'Inter',system-ui,-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,sans-serif;
  --ar:'IBM Plex Sans Arabic','Inter',system-ui,sans-serif;
  --radius:8px;--shadow:0 1px 3px rgba(0,0,0,.1);
  --c-salary:#1E40AF;--c-statutory:#2563EB;--c-medical:#60A5FA;--c-gov:#93C5FD;--c-overhead:#B8C4D6;--c-onetime:#B8860B;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}
body{margin:0;font-family:var(--sans);color:var(--ink);background:#fff;font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased;overflow-x:hidden}
[dir=rtl] body,[dir=rtl] input,[dir=rtl] button{font-family:var(--ar)}
button,input{font:inherit;color:inherit}
.wrap{max-width:1200px;margin:0 auto;padding:0 24px}
.skip{position:absolute;top:8px;inset-inline-start:8px;z-index:99;background:#fff;padding:8px 12px;border-radius:6px;transform:translateY(-200%)}.skip:focus{transform:none}
.num{font-variant-numeric:tabular-nums;direction:ltr;unicode-bidi:isolate;display:inline-block}
.block{display:block}
.muted{color:var(--gray)}
svg.i{width:20px;height:20px;flex:none;stroke-width:1.5}
[hidden]{display:none!important}

/* top bar */
.topbar{background:#fff;border-bottom:1px solid var(--border);position:relative;z-index:5}
.topbar-in{display:flex;align-items:center;justify-content:space-between;padding-top:12px;padding-bottom:12px}
.logo{display:block;color:var(--navy);width:120px;line-height:0}
.logo svg{width:100%;height:auto;display:block}
.topbar-right{display:flex;align-items:center;gap:12px}
.badge{font-size:12px;font-weight:600;padding:4px 10px;border-radius:999px;color:var(--gold);background:rgba(184,134,11,.15)}
.btn-lang{display:inline-flex;align-items:center;gap:8px;border:1px solid var(--border);background:#fff;border-radius:6px;padding:8px 14px;font-size:14px;font-weight:500;cursor:pointer}
.btn-lang:hover{background:var(--sage)}
html[lang=en] .btn-lang span:last-child{font-family:var(--ar)}

/* hero */
.hero{background:var(--navy);color:#fff;position:relative;overflow:hidden}
.hero-pattern{position:absolute;inset:0;opacity:.07;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='80' height='80' viewBox='0 0 80 80'%3E%3Cg fill='none' stroke='%23fff' stroke-width='1'%3E%3Cpath d='M40 4 L52 28 L76 40 L52 52 L40 76 L28 52 L4 40 L28 28 Z'/%3E%3Crect x='22' y='22' width='36' height='36' transform='rotate(45 40 40)'/%3E%3Ccircle cx='40' cy='40' r='10'/%3E%3C/g%3E%3C/svg%3E");background-size:80px 80px;mask-image:linear-gradient(90deg,transparent 0%,#000 60%);-webkit-mask-image:linear-gradient(90deg,transparent 0%,#000 60%)}
[dir=rtl] .hero-pattern{mask-image:linear-gradient(270deg,transparent 0%,#000 60%);-webkit-mask-image:linear-gradient(270deg,transparent 0%,#000 60%)}
.hero-in{position:relative;padding:64px 24px 72px}
.kicker{font-size:12px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;margin:0 0 16px;color:rgba(255,255,255,.85)}
[dir=rtl] .kicker{letter-spacing:0;font-size:14px}
.kicker.dark{color:var(--action)}
.hero-h1{font-family:var(--display);font-weight:600;margin:0;line-height:1.08;letter-spacing:-.02em}
.hero-a,.hero-b{display:block;font-size:clamp(26px,3.6vw,40px)}
.hero-num{display:block;font-size:clamp(52px,10vw,112px);line-height:1.02;margin:6px 0 4px;white-space:nowrap}
.hero-num .cur{font-size:.42em;font-weight:500;opacity:.85;vertical-align:.45em}
[dir=rtl] .hero-h1{font-family:var(--ar);letter-spacing:0;line-height:1.25}
[dir=rtl] .hero-num .num{font-family:var(--display)}
.hero-sub{max-width:720px;font-size:18px;line-height:1.6;color:rgba(255,255,255,.9);margin:20px 0 28px}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:8px;border-radius:6px;padding:10px 20px;font-weight:600;font-size:15px;text-decoration:none;border:1px solid transparent;cursor:pointer;transition:background .15s,color .15s,border-color .15s}
.btn-primary{background:var(--action);color:#fff}.btn-primary:hover{background:var(--navy)}
.btn-white{background:#fff;color:var(--navy)}.btn-white:hover{background:var(--sage)}
.btn-outline-white{border-color:rgba(255,255,255,.5);color:#fff}.btn-outline-white:hover{background:rgba(255,255,255,.1)}
.btn-secondary{background:#fff;border-color:var(--border);color:var(--ink)}.btn-secondary:hover{background:var(--sage)}
.btn-ghost{display:inline-flex;align-items:center;gap:6px;background:none;border:0;color:var(--action);font-weight:500;cursor:pointer;padding:6px 8px;border-radius:6px}
.btn-ghost:hover{background:var(--sage)}
.small{font-size:13px}
.btn.small{padding:8px 14px}
.btn-lg{padding:14px 24px;font-size:16px}
:focus-visible{outline:2px solid var(--action);outline-offset:2px}

/* layout */
.main-grid{display:grid;grid-template-columns:400px 1fr;gap:24px;padding-top:32px;padding-bottom:32px;align-items:start}
.full{grid-column:1/-1}
.card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow)}
.card-h{display:flex;align-items:center;gap:10px;font-size:18px;font-weight:600;margin:0 0 16px;line-height:1.35}
.card-h svg{color:var(--action)}

/* inputs */
.inputs{padding:24px;position:sticky;top:16px}
.tabs{display:grid;grid-template-columns:1fr 1fr;background:var(--sage);border-radius:8px;padding:4px;gap:4px;margin-bottom:20px}
.tab{display:flex;align-items:center;justify-content:center;gap:8px;border:0;background:none;border-radius:6px;padding:10px 8px;font-size:14px;font-weight:500;color:var(--gray);cursor:pointer;transition:all .15s}
.tab[aria-selected=true]{background:#fff;color:var(--navy);box-shadow:var(--shadow);font-weight:600}
.field{display:block;margin-bottom:18px}
.label{display:block;font-size:13px;font-weight:600;color:var(--ink);margin-bottom:8px}
.label-strong{display:block;font-size:14px;font-weight:600}
.label-row{display:flex;align-items:center;justify-content:space-between;gap:8px}
.label-row .label{margin-bottom:8px}
.hint{display:flex;gap:6px;align-items:flex-start;font-size:12px;line-height:1.45;color:var(--gray);margin:8px 0 0}
.hint.block{display:block;margin-top:2px;font-weight:400}
.hint svg{width:14px;height:14px;margin-top:1px}
.seg{display:grid;gap:8px}
.seg-2{grid-template-columns:1fr 1fr}.seg-3{grid-template-columns:1fr 1fr 1fr}
.seg button{display:flex;align-items:center;justify-content:center;gap:8px;min-height:44px;padding:8px 10px;border:1px solid var(--border);background:#fff;border-radius:6px;font-size:14px;font-weight:500;cursor:pointer;transition:all .15s;line-height:1.25;text-align:center}
.seg button:hover{background:var(--sage)}
.seg button.on{border-color:var(--action);background:rgba(37,99,235,.08);color:var(--navy);font-weight:600;box-shadow:inset 0 0 0 1px var(--action)}
.slider-val{font-size:14px;margin-bottom:4px}
.slider-val strong{font-size:24px;font-weight:700;color:var(--navy);font-variant-numeric:tabular-nums}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:28px;background:transparent;cursor:pointer;--p:50%}
input[type=range]::-webkit-slider-runnable-track{height:6px;border-radius:3px;background:linear-gradient(to right,var(--action) var(--p),var(--border) var(--p))}
[dir=rtl] input[type=range]::-webkit-slider-runnable-track{background:linear-gradient(to left,var(--action) var(--p),var(--border) var(--p))}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:24px;height:24px;border-radius:50%;background:#fff;border:2px solid var(--action);margin-top:-9px;box-shadow:0 1px 4px rgba(0,0,0,.2)}
input[type=range]::-moz-range-track{height:6px;border-radius:3px;background:var(--border)}
input[type=range]::-moz-range-progress{height:6px;border-radius:3px;background:var(--action)}
input[type=range]::-moz-range-thumb{width:20px;height:20px;border-radius:50%;background:#fff;border:2px solid var(--action)}
.pill{font-size:13px;background:rgba(37,99,235,.12);color:var(--navy);padding:2px 10px;border-radius:999px;font-weight:600;white-space:nowrap}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:0 12px}
.money{display:flex;align-items:center;border:1px solid var(--border);border-radius:6px;background:#fff;transition:border-color .15s,box-shadow .15s}
.money:focus-within{border-color:var(--action);box-shadow:0 0 0 3px rgba(37,99,235,.15)}
.money input{border:0;outline:0;background:transparent;min-width:0;flex:1;padding:10px 12px;font-size:15px;font-variant-numeric:tabular-nums;direction:ltr;text-align:start}
[dir=rtl] .money input{text-align:right}
.money em{font-style:normal;font-size:12px;color:var(--gray);padding:0 12px;font-weight:500}
.money.big input{font-size:22px;font-weight:600;padding:12px 14px;color:var(--navy)}
.money input::placeholder{color:#9CA3AF;font-weight:400;font-size:15px}
.divider{height:1px;background:var(--border);margin:6px 0 20px}
.switch-row{display:flex;align-items:center;justify-content:space-between;gap:16px;margin-bottom:20px;cursor:pointer}
.switch{-webkit-appearance:none;appearance:none;width:44px;height:26px;border-radius:13px;background:#D1D5DB;position:relative;flex:none;cursor:pointer;transition:background .2s;margin:0}
.switch::after{content:"";position:absolute;top:3px;left:3px;width:20px;height:20px;border-radius:50%;background:#fff;box-shadow:0 1px 2px rgba(0,0,0,.2);transition:transform .2s}
.switch:checked{background:var(--action)}
.switch:checked::after{transform:translateX(18px)}
[dir=rtl] .switch::after{left:auto;right:3px}
[dir=rtl] .switch:checked::after{transform:translateX(-18px)}

/* results */
.results{min-width:0;display:flex;flex-direction:column;gap:24px}
.kpis{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.kpi{padding:20px;display:flex;flex-direction:column;gap:4px;min-width:0}
.kpi-l{display:flex;align-items:center;gap:8px;font-size:13px;font-weight:600;color:var(--gray)}
.kpi-l svg{width:18px;height:18px;color:var(--action)}
.kpi-v{font-size:clamp(26px,3vw,36px);font-weight:700;color:var(--navy);line-height:1.15;letter-spacing:-.01em;white-space:nowrap}
.kpi-v small{font-size:14px;font-weight:600;color:var(--gray);letter-spacing:0}
.kpi-s{font-size:12px;color:var(--gray);line-height:1.45}
.kpi-main{background:var(--navy);border-color:var(--navy)}
.kpi-main .kpi-l,.kpi-main .kpi-s,.kpi-main .kpi-v small{color:rgba(255,255,255,.85)}
.kpi-main .kpi-l svg{color:#fff}
.kpi-main .kpi-v{color:#fff}
.kpi-x .kpi-v{color:var(--gold)}
.chart-card,.table-card{padding:24px}
.stack{display:flex;height:44px;border-radius:6px;overflow:hidden;background:var(--sage)}
.stack i{display:block;height:100%;transition:width .7s cubic-bezier(.2,.8,.2,1);min-width:0}
.stack i+i{box-shadow:inset 1px 0 0 #fff}
[dir=rtl] .stack i+i{box-shadow:inset -1px 0 0 #fff}
.legend{list-style:none;padding:0;margin:16px 0 0;display:grid;grid-template-columns:repeat(3,1fr);gap:10px 16px}
.legend li{display:flex;gap:8px;align-items:flex-start;font-size:13px;line-height:1.35;min-width:0}
.legend .sw{width:12px;height:12px;border-radius:3px;flex:none;margin-top:3px}
.legend b{display:block;font-variant-numeric:tabular-nums;font-weight:600}
.legend span.t{color:var(--gray)}

.tbl{font-size:14px}
.tr{display:grid;grid-template-columns:1fr 104px 112px;gap:12px;padding:12px 0;border-top:1px solid var(--border);align-items:baseline}
.tr.head{border-top:0;padding-top:0;font-size:12px;font-weight:600;color:var(--gray);text-transform:uppercase;letter-spacing:.06em}
[dir=rtl] .tr.head{letter-spacing:0;text-transform:none}
.tr .m,.tr .a{text-align:end;font-variant-numeric:tabular-nums;white-space:nowrap}
.tr .a{font-weight:600}
.tr .t b{display:block;font-weight:600}
.tr .t span{display:block;font-size:12.5px;color:var(--gray);line-height:1.45;margin-top:2px}
.tg{padding:18px 0 6px;font-size:12px;font-weight:700;color:var(--navy);text-transform:uppercase;letter-spacing:.08em;display:flex;align-items:center;gap:8px}
[dir=rtl] .tg{letter-spacing:0;text-transform:none;font-size:13px}
.tg svg{width:16px;height:16px}
.tr.info{color:var(--gray);background:repeating-linear-gradient(135deg,transparent 0 6px,rgba(240,244,243,.9) 6px 12px)}
.tr.info .a,.tr.info .m{font-weight:400}
.tr.tot{background:var(--sage);border-top:0;margin-top:2px;padding:12px;border-radius:6px;grid-template-columns:1fr 104px 112px}
.tr.tot b{font-weight:700}
.tr.tot.y1{background:var(--navy);color:#fff}
.tbl .note{font-size:12px;color:var(--gray);margin:6px 0 0}
.tot-wrap{margin-top:12px;display:flex;flex-direction:column;gap:6px}

/* assumptions / details */
details.card>summary{list-style:none;display:flex;align-items:center;justify-content:space-between;gap:16px;padding:20px 24px;cursor:pointer}
details.card>summary::-webkit-details-marker{display:none}
.sum-l{display:flex;gap:12px;align-items:flex-start}
.sum-l>svg{color:var(--action);margin-top:2px}
.sum-l strong{font-size:16px}
.chev svg{transition:transform .2s;color:var(--gray)}
details[open] .chev svg{transform:rotate(180deg)}
.a-body{padding:0 24px 24px}
.a-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.a-group h5{margin:0 0 10px;font-size:14px;font-weight:600;color:var(--navy);display:flex;gap:6px;align-items:center}
.a-field{display:block;margin-bottom:10px}
.a-field span{display:block;font-size:12px;color:var(--ink);margin-bottom:4px;line-height:1.35}
.a-field input[type=number],.a-field select{width:100%;padding:8px 10px;border:1px solid var(--border);border-radius:6px;font-size:14px;background:#fff;font-variant-numeric:tabular-nums}
.a-field input[type=number]{direction:ltr}
[dir=rtl] .a-field input[type=number]{text-align:right}
.a-field input:focus,.a-field select:focus{outline:0;border-color:var(--action);box-shadow:0 0 0 3px rgba(37,99,235,.15)}
.a-check{display:flex;align-items:center;gap:8px;font-size:12px;margin-bottom:10px;cursor:pointer}
.a-check input{width:16px;height:16px;accent-color:var(--action)}
.a-field.changed input,.a-field.changed select{border-color:var(--gold);background:rgba(184,134,11,.06)}
.note{margin:20px 0 16px}

/* agent section */
.agent{background:var(--sage);padding:64px 0;margin-top:16px}
.agent h2{font-family:var(--display);font-size:clamp(28px,3.4vw,40px);font-weight:600;line-height:1.12;color:var(--navy);margin:0 0 20px;letter-spacing:-.01em}
[dir=rtl] .agent h2{font-family:var(--ar);letter-spacing:0;line-height:1.35}
.quote{margin:0 0 32px;padding:4px 0;padding-inline-start:20px;border-inline-start:4px solid var(--action);font-size:20px;line-height:1.5;color:var(--ink);font-weight:500;max-width:760px}
.quote span{display:block}
.quote .quote-ar{font-size:17px;color:var(--gray);margin-top:6px;font-weight:400}
.quote .quote-ar:empty{display:none}
.agent-grid{display:grid;grid-template-columns:360px 1fr;gap:24px;align-items:stretch}
.fee-card{padding:24px}
.compare-card{padding:28px;display:flex;flex-direction:column;justify-content:center;min-width:0}
.cmp-icon svg{width:28px;height:28px;color:var(--action)}
.cmp-empty-h{font-size:22px;font-weight:700;color:var(--navy);margin:8px 0 6px;line-height:1.3}
.save-head{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:16px;margin-bottom:20px}
.save-v{display:block;font-size:clamp(26px,3.2vw,40px);font-weight:700;color:var(--navy);line-height:1.1;font-variant-numeric:tabular-nums;white-space:nowrap}
.save-v.sm{font-size:clamp(20px,2.2vw,26px);color:var(--ink)}
.save-v.neg{color:#B91C1C}
.save-l{display:block;font-size:12px;color:var(--gray);margin-top:4px;line-height:1.4}
.bars{margin-top:12px}
.bars-h{font-size:12px;font-weight:600;color:var(--gray);margin:14px 0 6px;text-transform:uppercase;letter-spacing:.06em}
[dir=rtl] .bars-h{letter-spacing:0;text-transform:none}
.bar-row{display:grid;grid-template-columns:170px 1fr 104px;gap:12px;align-items:center;margin-bottom:8px;font-size:13px}
.bar{height:22px;background:var(--sage);border-radius:4px;overflow:hidden}
.bar .fill{display:block;height:100%;width:0;border-radius:4px;transition:width .9s cubic-bezier(.2,.8,.2,1)}
.fill.hire{background:#94A3B8}
.fill.agentf{background:var(--action)}
.bar-v{text-align:end;font-weight:600;font-variant-numeric:tabular-nums;white-space:nowrap}
.sec-h3{font-size:20px;font-weight:600;margin:48px 0 16px}
.qual{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.q{background:#fff;border:1px solid var(--border);border-radius:8px;padding:20px;box-shadow:var(--shadow)}
.q svg{width:24px;height:24px;color:var(--action)}
.q h4{font-size:16px;font-weight:600;margin:12px 0 6px;line-height:1.35}
.q p{font-size:14px;line-height:1.55;color:#374151;margin:0}
.cta-card{margin-top:40px;background:var(--navy);color:#fff;border-radius:12px;padding:36px;display:flex;align-items:center;justify-content:space-between;gap:32px}
.cta-card h3{font-family:var(--display);font-size:clamp(26px,3vw,32px);font-weight:600;margin:0 0 8px;line-height:1.15}
[dir=rtl] .cta-card h3{font-family:var(--ar);line-height:1.35}
.cta-card p{margin:0 0 20px;color:rgba(255,255,255,.9);max-width:620px}
.person{display:flex;gap:12px;align-items:center;font-size:14px}
.person .block{color:rgba(255,255,255,.8);font-size:13px}
.avatar{width:44px;height:44px;border-radius:50%;background:rgba(255,255,255,.15);display:grid;place-items:center;font-weight:600;font-size:14px;border:1px solid rgba(255,255,255,.35);flex:none;font-family:var(--sans)}
.cta-card .btn{flex:none}

/* how */
.how-wrap{padding-top:40px;padding-bottom:40px}
.how-list{margin:0;padding:0 24px 24px;display:grid;grid-template-columns:1fr 1fr;gap:20px 32px}
.how-list div{border-top:1px solid var(--border);padding-top:14px}
.how-list dt{font-weight:600;font-size:15px;margin-bottom:4px;color:var(--navy)}
.how-list dd{margin:0;font-size:14px;line-height:1.6;color:#374151}

/* footer */
.footer{border-top:1px solid var(--border);padding:32px 0 48px;font-size:12px;line-height:1.5;color:var(--gray)}
.footer p{margin:0 0 8px;max-width:900px}
.foot-top{margin-bottom:16px}
.logo-sm{display:block;width:120px;color:var(--navy);line-height:0}
.logo-sm svg{width:100%;height:auto}

/* sticky mobile summary */
.sticky{display:none}

/* responsive */
@media (max-width:1080px){
  .main-grid{grid-template-columns:1fr}
  .inputs{position:static}
  .a-grid{grid-template-columns:repeat(2,1fr)}
  .agent-grid{grid-template-columns:1fr}
  .qual{grid-template-columns:1fr 1fr}
}
@media (max-width:640px){
  .wrap{padding:0 16px}
  .topbar-in{padding-top:10px;padding-bottom:10px}
  .logo{width:120px}
  .hero-in{padding:40px 16px 48px}
  .hero-sub{font-size:16px}
  .hero-actions .btn{flex:1 1 100%;justify-content:center}
  .main-grid{padding-top:20px;gap:16px}
  .inputs,.chart-card,.table-card,.fee-card,.compare-card{padding:18px}
  .kpis{gap:12px}
  .kpi{padding:16px}
  .kpi-v{font-size:24px}
  .kpi-v small{font-size:12px}
  .legend{grid-template-columns:1fr 1fr}
  .tr{grid-template-columns:1fr 84px;gap:4px 10px}
  .tr .m{display:none}
  .tr.head .m{display:none}
  .tr.tot{grid-template-columns:1fr 92px}
  .a-grid{grid-template-columns:1fr}
  .qual{grid-template-columns:1fr}
  .save-head{grid-template-columns:1fr 1fr}
  .save-head>div:first-child{grid-column:1/-1}
  .bar-row{grid-template-columns:1fr 96px;gap:4px 10px}
  .bar-row .bar{grid-column:1/-1;grid-row:2}
  .cta-card{flex-direction:column;align-items:stretch;padding:24px}
  .cta-card .btn{justify-content:center}
  .how-list{grid-template-columns:1fr;padding:0 18px 18px}
  details.card>summary{padding:18px}
  .a-body{padding:0 18px 18px}
  .agent{padding:44px 0}
  .quote{font-size:18px}
  .sticky{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:20;background:#fff;border-top:1px solid var(--border);box-shadow:0 -4px 12px rgba(17,24,39,.08);padding:10px 16px calc(10px + env(safe-area-inset-bottom));align-items:center;justify-content:space-between;gap:12px;transform:translateY(110%);transition:transform .25s}
  .sticky.show{transform:none}
  .sticky-l{display:block;font-size:11px;color:var(--gray)}
  .sticky strong{font-size:18px;color:var(--navy);font-variant-numeric:tabular-nums}
  .footer{padding-bottom:96px}
}
@media (max-width:360px){.seg-2{grid-template-columns:1fr}.kpis{grid-template-columns:1fr}}
.agent-grid>*,.main-grid>*,.grid-2>*{min-width:0}
.money input{width:100%}
[dir=rtl] .hero-num,[dir=rtl] .kpi-v,[dir=rtl] .sticky strong{display:flex;flex-direction:row-reverse;justify-content:flex-end;align-items:baseline;gap:.25em}
[dir=rtl] .hero-num .cur{vertical-align:baseline}
[dir=rtl] #copyLink svg,[dir=rtl] .flip svg{transform:scaleX(-1)}