:root {
    --fiinz-primary: #0a66c2;
    --fiinz-primary-dark: #064a8f;
    --fiinz-accent: #00c896;
    --fiinz-warn: #f39c12;
    --fiinz-danger: #e74c3c;
    --fiinz-bg: #f5f8fc;
    --fiinz-card: #ffffff;
    --fiinz-text: #1a2332;
    --fiinz-muted: #64748b;
    --fiinz-border: #e2e8f0;
}
* { margin: 0; padding: 0; box-sizing: border-box; }
body {
    font-family: 'Inter', 'Segoe UI', system-ui, sans-serif;
    background: var(--fiinz-bg);
    color: var(--fiinz-text);
    line-height: 1.5;
    -webkit-font-smoothing: antialiased;
}
.simulator {
    max-width: 1080px;
    margin: 40px auto;
    padding: 0 20px;
}
.sim-header {
    text-align: center;
    margin-bottom: 32px;
}
.sim-header .eyebrow {
    display: inline-block;
    background: rgba(10, 102, 194, 0.08);
    color: var(--fiinz-primary);
    font-size: 12px;
    font-weight: 600;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    padding: 6px 14px;
    border-radius: 20px;
    margin-bottom: 16px;
}
.sim-header h1 {
    font-size: clamp(26px, 4vw, 36px);
    font-weight: 800;
    color: var(--fiinz-text);
    margin-bottom: 10px;
    letter-spacing: -0.5px;
}
.sim-header p {
    color: var(--fiinz-muted);
    font-size: 16px;
    max-width: 620px;
    margin: 0 auto;
}
.sim-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 24px;
    align-items: start;
}
.sim-card {
    background: var(--fiinz-card);
    border-radius: 16px;
    border: 1px solid var(--fiinz-border);
    box-shadow: 0 2px 12px rgba(10, 35, 64, 0.04);
    overflow: hidden;
}
.sim-card-title {
    padding: 20px 24px 0;
    font-size: 13px;
    font-weight: 700;
    color: var(--fiinz-primary);
    text-transform: uppercase;
    letter-spacing: 1px;
}
.sim-card-body { padding: 20px 24px 24px; }
.field-group { margin-bottom: 20px; }
.field-group:last-child { margin-bottom: 0; }
.field-label {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 14px;
    font-weight: 600;
    color: var(--fiinz-text);
    margin-bottom: 8px;
}
.field-hint {
    font-size: 12px;
    color: var(--fiinz-muted);
    font-weight: 400;
}
.field-input-wrapper {
    position: relative;
    display: flex;
    align-items: center;
}
.field-input {
    width: 100%;
    padding: 12px 44px 12px 14px;
    border: 1.5px solid var(--fiinz-border);
    border-radius: 10px;
    font-size: 16px;
    font-weight: 500;
    color: var(--fiinz-text);
    background: #fafbfc;
    transition: border-color 0.15s, background 0.15s;
    font-family: inherit;
    -moz-appearance: textfield;
}
.field-input::-webkit-outer-spin-button,
.field-input::-webkit-inner-spin-button { -webkit-appearance: none; margin: 0; }
.field-input:focus {
    outline: none;
    border-color: var(--fiinz-primary);
    background: white;
    box-shadow: 0 0 0 3px rgba(10, 102, 194, 0.1);
}
.field-suffix {
    position: absolute;
    right: 14px;
    font-size: 14px;
    font-weight: 600;
    color: var(--fiinz-muted);
    pointer-events: none;
}
.toggle-row {
    display: flex;
    gap: 8px;
    margin-bottom: 16px;
}
.toggle-btn {
    flex: 1;
    padding: 10px;
    background: #fafbfc;
    border: 1.5px solid var(--fiinz-border);
    border-radius: 10px;
    font-size: 13px;
    font-weight: 600;
    color: var(--fiinz-muted);
    cursor: pointer;
    transition: all 0.15s;
    font-family: inherit;
}
.toggle-btn.active {
    background: rgba(10, 102, 194, 0.08);
    border-color: var(--fiinz-primary);
    color: var(--fiinz-primary);
}
.section-divider {
    height: 1px;
    background: var(--fiinz-border);
    margin: 24px 0;
}
.result-card {
    position: sticky;
    top: 20px;
    overflow: visible;
}
.gauge-wrapper {
    padding: 28px 24px;
    text-align: center;
    background: linear-gradient(180deg, #fafbfc 0%, white 100%);
    border-bottom: 1px solid var(--fiinz-border);
}
.gauge {
    position: relative;
    width: 240px;
    height: 140px;
    margin: 0 auto 16px;
}
.gauge svg { display: block; width: 100%; height: 100%; overflow: visible; }
.gauge-track { fill: none; stroke: #e9edf2; stroke-width: 18; stroke-linecap: round; }
.gauge-fill { fill: none; stroke-width: 18; stroke-linecap: round; transition: stroke-dashoffset 0.6s ease, stroke 0.3s; }
.gauge-value {
    position: absolute;
    bottom: 8px;
    left: 0;
    right: 0;
    font-size: 42px;
    font-weight: 800;
    letter-spacing: -1px;
}
.gauge-value small { font-size: 20px; font-weight: 600; margin-left: 2px; }
.gauge-label {
    font-size: 13px;
    font-weight: 600;
    color: var(--fiinz-muted);
    text-transform: uppercase;
    letter-spacing: 1px;
}
.gauge-scale {
    display: flex;
    justify-content: space-between;
    max-width: 240px;
    margin: 0 auto 8px;
    font-size: 11px;
    color: var(--fiinz-muted);
    font-weight: 500;
}
.verdict {
    padding: 20px 24px;
    border-bottom: 1px solid var(--fiinz-border);
    display: flex;
    gap: 14px;
    align-items: flex-start;
}
.verdict-icon {
    width: 40px;
    height: 40px;
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 20px;
    flex-shrink: 0;
    font-weight: 700;
    color: white;
}
.verdict-text h3 {
    font-size: 16px;
    font-weight: 700;
    margin-bottom: 4px;
}
.verdict-text p {
    font-size: 14px;
    color: var(--fiinz-muted);
    line-height: 1.5;
}
.breakdown {
    padding: 20px 24px;
}
.breakdown-row {
    display: flex;
    justify-content: space-between;
    padding: 8px 0;
    font-size: 14px;
    border-bottom: 1px dashed var(--fiinz-border);
}
.breakdown-row:last-of-type { border-bottom: none; }
.breakdown-row.total {
    font-weight: 700;
    font-size: 15px;
    padding-top: 12px;
    margin-top: 4px;
    border-top: 2px solid var(--fiinz-border);
    border-bottom: none;
}
.breakdown-row .label { color: var(--fiinz-muted); }
.breakdown-row .value { font-weight: 600; font-variant-numeric: tabular-nums; }
.cta-zone {
    padding: 20px 24px;
    background: linear-gradient(135deg, var(--fiinz-primary) 0%, var(--fiinz-primary-dark) 100%);
    color: white;
}
.cta-zone h4 {
    font-size: 16px;
    font-weight: 700;
    margin-bottom: 6px;
}
.cta-zone p {
    font-size: 13px;
    opacity: 0.9;
    margin-bottom: 14px;
    line-height: 1.5;
}
.cta-btn {
    display: block;
    text-align: center;
    padding: 13px 20px;
    background: white;
    color: var(--fiinz-primary);
    font-weight: 700;
    font-size: 14px;
    border-radius: 10px;
    text-decoration: none;
    transition: transform 0.1s, box-shadow 0.2s;
}
.cta-btn:hover {
    transform: translateY(-1px);
    box-shadow: 0 6px 20px rgba(0,0,0,0.15);
}
details.advanced {
    margin-top: 16px;
    border-top: 1px dashed var(--fiinz-border);
    padding-top: 16px;
}
details.advanced summary {
    cursor: pointer;
    font-size: 13px;
    font-weight: 600;
    color: var(--fiinz-primary);
    list-style: none;
    display: flex;
    align-items: center;
    gap: 6px;
}
details.advanced summary::before {
    content: "+";
    display: inline-block;
    width: 18px;
    height: 18px;
    background: rgba(10, 102, 194, 0.1);
    border-radius: 50%;
    text-align: center;
    line-height: 18px;
    font-weight: 700;
}
details.advanced[open] summary::before { content: "−"; }
details.advanced > div { margin-top: 16px; }
.disclaimer {
    margin-top: 24px;
    font-size: 11px;
    color: var(--fiinz-muted);
    text-align: center;
    line-height: 1.6;
}
@media (max-width: 860px) {
    .sim-grid { grid-template-columns: 1fr; }
    .result-card { position: static; }
}