.iar-page,.iar-page *{box-sizing:border-box}
.iar-page{--navy:#071a30;--blue:#174b77;--orange:#f47b20;--orange2:#ffa35d;--green:#147d59;--red:#b42318;--amber:#8a5c00;--bg:#f2f5f8;--text:#142236;--muted:#66758a;--line:#dfe6ed;margin:0;padding:0 0 84px;background:var(--bg);color:var(--text);font-family:Inter,Arial,sans-serif;line-height:1.62}
.iar-container{width:min(1320px,calc(100% - 32px));margin:auto}
.iar-hero{min-height:500px;padding:70px 0 130px;background:radial-gradient(circle at 82% 20%,rgba(244,123,32,.3),transparent 28%),linear-gradient(122deg,#061426,#0b294b 57%,#184b76);color:#fff}
.iar-breadcrumb{display:flex;gap:8px;flex-wrap:wrap;color:#ffffffaa;font-size:13px}.iar-breadcrumb a{color:#fff;text-decoration:none}
.iar-eyebrow,.iar-kicker{color:var(--orange);font-size:12px;font-weight:900;letter-spacing:.13em;text-transform:uppercase}
.iar-hero h1{max-width:900px;margin:18px 0;font-size:clamp(42px,5vw,70px);line-height:1.03}.iar-hero h1 span{color:#ffb275}.iar-hero p{max-width:900px;color:#ffffffcc;font-size:18px}
.iar-badges{display:flex;gap:9px;flex-wrap:wrap;margin-top:24px}.iar-badge{padding:9px 13px;border:1px solid #ffffff2b;border-radius:999px;background:#ffffff12;color:#fff;font-size:12px}
.iar-main{margin-top:-84px}.iar-shell{display:grid;grid-template-columns:minmax(0,1fr) 390px;overflow:hidden;border-radius:27px;background:#fff;box-shadow:0 28px 76px #0a1f3a24}
.iar-form{padding:40px}.iar-summary{padding:35px;background:var(--navy);color:#fff}.iar-form h2{margin:8px 0;font-size:32px}.iar-intro{color:var(--muted)}
.iar-section{margin-top:28px;padding-top:25px;border-top:1px solid var(--line)}.iar-section:first-of-type{border-top:0}.iar-section h3{margin:0 0 14px;color:var(--navy);font-size:19px}
.iar-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}.iar-field.full{grid-column:1/-1}.iar-field label{display:block;margin-bottom:6px;font-size:13px;font-weight:900}.iar-field input,.iar-field select{width:100%;height:50px;padding:0 13px;border:1px solid #ccd6e0;border-radius:10px;background:#fff;font-size:14px}
.iar-help{display:block;margin-top:4px;color:var(--muted);font-size:11px}.iar-button{width:100%;height:58px;margin-top:25px;border:0;border-radius:12px;background:linear-gradient(135deg,var(--orange),var(--orange2));color:#fff;font-size:15px;font-weight:900;cursor:pointer}
.iar-message{display:none;margin-top:14px;padding:13px;border-radius:10px;font-size:13px;font-weight:800}.iar-message.visible{display:block}.iar-message.warning{background:#fff8e5;color:var(--amber)}.iar-message.error{background:#fff1f0;color:var(--red)}.iar-message.success{background:#eef9f4;color:var(--green)}
.iar-summary-total{margin:7px 0 20px;font-size:45px;font-weight:900}.iar-summary-row{display:flex;justify-content:space-between;gap:12px;padding:13px 0;border-bottom:1px solid #ffffff1a}.iar-summary-row span{color:#ffffffaa}.iar-score{margin-top:22px;padding:17px;border:1px solid #ffffff20;border-radius:14px;background:#ffffff0b}.iar-score strong{display:block;font-size:27px}
.iar-results{padding-top:32px}.iar-result-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.iar-card,.iar-table-box,.iar-content,.iar-side{padding:24px;border:1px solid var(--line);border-radius:18px;background:#fff;box-shadow:0 11px 30px #0a1f3a0d}.iar-card.highlight{background:linear-gradient(145deg,var(--navy),var(--blue));color:#fff}.iar-card h3{margin-top:0;font-size:13px}.iar-card strong{display:block;font-size:22px}
.iar-table-wrap{overflow:auto}.iar-table{width:100%;min-width:760px;border-collapse:collapse}.iar-table th,.iar-table td{padding:11px;border-bottom:1px solid var(--line);text-align:left}.positive-row{background:#f3faf7}.negative-row{background:#fff7f5}
.iar-info{padding-top:34px}.iar-info-grid{display:grid;grid-template-columns:1fr 390px;gap:30px}.iar-content p,.iar-side li{color:var(--muted)}.iar-formula{display:grid;grid-template-columns:270px 1fr;gap:16px;margin:10px 0;padding:13px 15px;border:1px solid var(--line);border-radius:11px;background:#fafbfd}.iar-disclaimer{margin-top:22px;padding:18px;border-left:4px solid var(--orange);background:#fff8f2;font-size:12px}
@media(max-width:1080px){.iar-shell,.iar-info-grid{grid-template-columns:1fr}.iar-grid{grid-template-columns:repeat(2,1fr)}.iar-result-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:650px){.iar-container{width:calc(100% - 20px)}.iar-form{padding:24px 18px}.iar-grid,.iar-result-grid{grid-template-columns:1fr}.iar-formula{grid-template-columns:1fr}.iar-summary{padding:25px}}