:root{--navy:#0b2545;--blue:#174d7d;--orange:#ef5b35;--ink:#152238;--muted:#5c6c7f;--line:#d9e3ee;--soft:#f4f7fb}
*{box-sizing:border-box}
body{background:var(--soft);color:var(--ink);font-family:Inter,"Segoe UI",Arial,sans-serif;line-height:1.55;margin:0}
a{color:inherit}.rt-top{background:var(--navy);color:#fff}.rt-nav{align-items:center;display:flex;gap:24px;justify-content:space-between;margin:auto;max-width:1180px;padding:16px 22px}.rt-nav img{background:#fff;border-radius:8px;height:52px;object-fit:contain;padding:4px;width:154px}.rt-nav-links{align-items:center;display:flex;gap:20px}.rt-nav-links a{color:#e9f2fb;font-size:.94rem;text-decoration:none}.rt-nav-links .rt-cta{background:var(--orange);border-radius:8px;color:#fff;font-weight:700;padding:10px 15px}
.rt-hero{background:linear-gradient(135deg,var(--navy),var(--blue));color:#fff;overflow:hidden;padding:72px 22px 96px;position:relative}.rt-hero:after{background:radial-gradient(circle,rgba(255,255,255,.13) 0 2px,transparent 3px);background-size:24px 24px;content:"";inset:0 0 0 52%;opacity:.55;position:absolute}.rt-hero-inner{margin:auto;max-width:1180px;position:relative;z-index:1}.rt-eyebrow{color:#ffb39f;font-size:.78rem;font-weight:800;letter-spacing:.13em;text-transform:uppercase}.rt-hero h1{font-size:clamp(2.2rem,5vw,4rem);line-height:1.02;margin:15px 0 20px;max-width:850px}.rt-hero p{color:#d9e7f4;font-size:1.1rem;margin:0;max-width:760px}
.rt-layout{display:grid;gap:28px;grid-template-columns:minmax(0,1.15fr) minmax(320px,.85fr);margin:-54px auto 70px;max-width:1180px;padding:0 22px;position:relative;z-index:2}.rt-card{background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:0 18px 55px rgba(16,43,73,.11);padding:30px}.rt-card h2{color:var(--navy);font-size:1.55rem;margin:0 0 8px}.rt-lead{color:var(--muted);margin:0 0 26px}.rt-field-grid{display:grid;gap:20px;grid-template-columns:1fr 1fr}.rt-field label,.rt-field legend{color:#263b54;display:block;font-weight:700;margin:0 0 8px}.rt-field select{background:#fff;border:1px solid #bdcbd9;border-radius:9px;color:var(--ink);font:inherit;min-height:48px;padding:10px 12px;width:100%}.rt-field select:focus,.rt-field input:focus,.rt-submit:focus,a:focus{outline:3px solid rgba(239,91,53,.3);outline-offset:2px}.rt-full{grid-column:1/-1}.rt-field fieldset{border:0;margin:0;padding:0}.rt-radio-row{display:flex;flex-wrap:wrap;gap:10px}.rt-radio-row label{align-items:center;background:var(--soft);border:1px solid var(--line);border-radius:9px;cursor:pointer;display:flex;font-weight:600;gap:8px;margin:0;padding:11px 13px}.rt-radio-row input{min-height:auto;width:auto}.rt-submit{background:var(--orange);border:0;border-radius:10px;color:#fff;cursor:pointer;font:inherit;font-weight:800;margin-top:24px;padding:14px 20px;width:100%}.rt-submit:hover{background:#d94725}.rt-privacy{color:#718096;font-size:.82rem;margin:11px 0 0;text-align:center}
.rt-result{align-content:start;display:grid;gap:18px}.rt-result-empty{color:var(--muted)}.rt-gauge{align-items:center;background:conic-gradient(var(--gauge-color,#c8d3df) calc(var(--score,0)*1%),#e8eef4 0);border-radius:50%;display:flex;height:180px;justify-content:center;margin:12px auto;position:relative;width:180px}.rt-gauge:before{background:#fff;border-radius:50%;content:"";height:136px;position:absolute;width:136px}.rt-gauge strong{color:var(--navy);font-size:2.5rem;position:relative}.rt-level{border-radius:999px;display:inline-block;font-size:.82rem;font-weight:800;padding:7px 12px;text-transform:uppercase}.rt-recommendations{margin:0;padding-left:20px}.rt-recommendations li{margin:0 0 8px}.rt-disclaimer{background:#fff7ed;border-left:4px solid #f59e0b;border-radius:8px;color:#68400b;font-size:.9rem;padding:13px 14px}.rt-result-cta{background:var(--navy);border-radius:10px;color:#fff;display:block;font-weight:800;padding:13px 16px;text-align:center;text-decoration:none}
.rt-explain{margin:0 auto 72px;max-width:1180px;padding:0 22px}.rt-explain-grid{display:grid;gap:20px;grid-template-columns:repeat(3,1fr);margin-bottom:54px}.rt-mini{background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px}.rt-mini strong{color:var(--orange);display:block;font-size:1.6rem;margin-bottom:8px}.rt-mini h3{color:var(--navy);margin:0 0 8px}.rt-faq h2{color:var(--navy);font-size:2rem}.rt-faq details{background:#fff;border:1px solid var(--line);border-radius:11px;margin-bottom:10px;padding:0 18px}.rt-faq summary{color:var(--navy);cursor:pointer;font-weight:800;padding:17px 0}.rt-faq details p{color:var(--muted);margin:0;padding:0 0 18px}.rt-footer{background:#071a31;color:#c8d5e2;padding:30px 22px;text-align:center}.rt-footer a{color:#fff}
.rt-tools{display:grid;gap:20px;grid-template-columns:repeat(2,minmax(0,1fr));margin:0 auto;max-width:1180px;padding:70px 22px}.rt-tool-card{background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:0 12px 36px rgba(16,43,73,.08);padding:26px;text-decoration:none;transition:.2s}.rt-tool-card:hover{box-shadow:0 18px 45px rgba(16,43,73,.15);transform:translateY(-3px)}.rt-tool-card span{color:var(--orange);font-size:.78rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase}.rt-tool-card h2{color:var(--navy);margin:10px 0}.rt-tool-card p{color:var(--muted);margin:0}
@media(max-width:860px){.rt-layout{grid-template-columns:1fr}.rt-explain-grid{grid-template-columns:1fr}.rt-tools{grid-template-columns:1fr}}
@media(max-width:620px){.rt-nav-links a:not(.rt-cta){display:none}.rt-field-grid{grid-template-columns:1fr}.rt-full{grid-column:auto}.rt-card{padding:22px}.rt-hero{padding-top:52px}}