.el{max-width:1200px;margin:34px auto 10px;padding:0 20px}
.el-card{background:#fff;border:1px solid #dbe6f5;border-radius:22px;padding:28px;box-shadow:0 14px 34px rgba(15,42,74,.10);transition:transform .25s,box-shadow .25s}
.el-card:hover{transform:translateY(-3px);box-shadow:0 20px 44px rgba(15,42,74,.14)}
.el-badge{display:inline-block;background:#eff6ff;color:#1d4ed8;border-radius:999px;padding:4px 12px;font-weight:700;font-size:.85rem}
.el-head h2{color:#0f2a4a;font-size:clamp(1.5rem,3vw,2.1rem);margin:8px 0 4px}.el-head p{color:#334155;margin:0 0 14px}
.el-step{border:1px solid #e2e8f0;border-radius:16px;padding:14px 18px 18px;margin:0 0 14px;background:#f8fbff}
.el-step legend{font-weight:800;color:#0f2a4a;font-size:1.1rem;padding:0 8px;display:flex;align-items:center;gap:8px}
.el-n{width:30px;height:30px;border-radius:50%;background:linear-gradient(135deg,#16a34a,#1d4ed8);color:#fff;display:inline-flex;align-items:center;justify-content:center}
.el-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px 18px}.el-wide{grid-column:1/-1}
.el-f{display:flex;flex-direction:column;gap:6px}.el-lbl{font-weight:700;color:#0f2a4a}.el-f small{color:#475569}
.el-in{min-height:48px;padding:10px 14px;font:inherit;font-size:1.1rem;border:2px solid #cbd5e1;border-radius:12px;background:#fff;color:#0f2a4a;direction:ltr;text-align:right;box-sizing:border-box;width:100%}
.el-in:focus{border-color:#1d4ed8}
.el-card :focus-visible{outline:3px solid #f59e0b;outline-offset:2px}
.el-seg{display:flex;flex-wrap:wrap;gap:8px}.el-seg label{position:relative;display:inline-flex;align-items:center;min-height:48px;padding:8px 16px;border:2px solid #cbd5e1;border-radius:12px;background:#fff;cursor:pointer;font-weight:600;color:#0f2a4a}
.el-seg input{position:absolute;opacity:0;inset:0;margin:0;cursor:pointer}.el-seg label:has(input:checked){border-color:#16a34a;background:#f0fdf4;color:#14532d;box-shadow:inset 0 0 0 1px #16a34a}
.el-seg label:has(input:focus-visible){outline:3px solid #f59e0b;outline-offset:2px}
.el-loan{display:flex;gap:8px;margin-bottom:8px;max-width:420px}.el-del{min-width:48px;min-height:48px;border:2px solid #cbd5e1;border-radius:12px;background:#fff;cursor:pointer;font-size:1.1rem;color:#b91c1c}
.el-add{min-height:44px;padding:8px 16px;border:2px dashed #1d4ed8;border-radius:12px;background:#eff6ff;color:#1d4ed8;font:inherit;font-weight:700;cursor:pointer;align-self:flex-start}
.el-sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
.el-res{border-radius:18px;padding:18px 20px;margin-top:6px;border:2px solid #e2e8f0;transition:background .3s}
.el-res.v-green{background:#f0fdf4;border-color:#16a34a}.el-res.v-yellow{background:#fffbeb;border-color:#d97706}.el-res.v-red{background:#fef2f2;border-color:#dc2626}
.el-verdict{display:flex;align-items:center;gap:10px}.el-verdict span{font-size:1.8rem}.el-verdict h3{margin:0;color:#0f2a4a;font-size:1.4rem}
.el-kpi{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:10px;margin:14px 0}.el-kpi div{background:#fff;border:1px solid #e2e8f0;border-radius:12px;padding:10px}
.el-kpi dt{font-size:.85rem;color:#475569}.el-kpi dd{margin:4px 0 0;font-weight:800;color:#0f2a4a;font-size:1.1rem}
.el-res h4{margin:10px 0 4px;color:#0f2a4a}.el-res ul{margin:0;padding-right:20px;line-height:1.7;color:#1f2937}
.el-small{font-size:.85rem;color:#475569}.el-wait{margin:0;color:#334155}
.el-ass{margin-top:14px;background:#f8fbff;border-radius:12px;padding:10px 16px;border:1px solid #e2e8f0}.el-ass summary{cursor:pointer;font-weight:700;color:#1d4ed8;min-height:32px}.el-ass li{margin:6px 0;line-height:1.6}.el-ass a{color:#1d4ed8}
.el-disc{margin:14px 0 0;color:#334155;font-size:.95rem}.el-cta{display:inline-flex;align-items:center;min-height:48px;margin-top:8px;padding:10px 20px;background:#16a34a;color:#fff;border-radius:12px;font-weight:800;text-decoration:none}.el-cta:hover{background:#15803d}
@media(max-width:900px){.el-kpi{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:560px){.el{padding:0 12px}.el-card{padding:18px}.el-grid{grid-template-columns:1fr}.el-step{padding:10px 12px 14px}.el-seg label{flex:1 1 100%}.el-cta{width:100%;justify-content:center}}
@media(prefers-reduced-motion:reduce){.el-card,.el-res{transition:none}}
.el-loan{display:block;max-width:none;background:#fff;border:1px solid #dbe6f5;border-radius:14px;padding:12px 14px;margin-bottom:10px}
.el-loan.el-nc{border-style:dashed;background:#f8fafc}
.el-lhead{display:flex;justify-content:space-between;align-items:center;margin-bottom:6px}.el-ltitle{font-weight:800;color:#0f2a4a}
.el-lgrid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:10px}.el-lgrid label{display:flex;flex-direction:column;gap:4px;font-size:.9rem;font-weight:600;color:#0f2a4a}
.el-lgrid label[hidden]{display:none}
.el-tog{display:inline-flex;align-items:center;gap:8px;min-height:44px;margin-top:6px;font-weight:600;color:#0f2a4a;cursor:pointer}.el-tog input{width:22px;height:22px;accent-color:#16a34a}
.el-lout{margin:4px 0 0;font-size:1rem}.el-lres{font-weight:800;color:#15803d;font-size:1.15rem}.el-lnote{color:#475569;font-size:.88rem}.el-nc .el-lres{color:#64748b}
.el-sum{margin:12px 0 0;padding:10px 14px;background:#eff6ff;border-radius:12px;color:#0f2a4a}
@media(max-width:900px){.el-lgrid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:560px){.el-lgrid{grid-template-columns:1fr}}
.el-head{position:static!important;top:auto;box-shadow:none!important;background:none!important;z-index:auto;padding:0!important;border:0!important}
.el-lgrid2{grid-template-columns:repeat(2,minmax(0,1fr));max-width:640px}@media(max-width:560px){.el-lgrid2{grid-template-columns:1fr}}