*{box-sizing:border-box}
body.page-template-template-elementor-canvas{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:#1e293b;background:#f8fafc}
.hve-wrap{width:100%;max-width:1120px;margin:0 auto;padding:0 1rem}
.hve-hero{position:relative;overflow:hidden;padding:5rem 1rem 4rem;background:linear-gradient(135deg,#152a45 0%,#1e3a5f 50%,#2d4a6f 100%);color:#fff;text-align:center}
.hve-hero .badge{display:inline-block;background:rgba(251,191,36,.15);color:#fbbf24;border:1px solid rgba(251,191,36,.35);padding:.4rem 1rem;border-radius:9999px;font-size:.8rem;font-weight:600;letter-spacing:.05em;text-transform:uppercase;margin-bottom:1.25rem}
.hve-hero h1{font-family:Georgia,"Times New Roman",serif;font-size:2.25rem;line-height:1.15;margin:0 0 1.25rem;font-weight:700;color:#fff}
.hve-hero p.lead{max-width:780px;margin:0 auto 2rem;font-size:1.05rem;line-height:1.7;color:#e2e8f0}
.hve-hero a.cta{display:inline-block;background:#fbbf24;color:#152a45;font-weight:700;padding:.95rem 2rem;border-radius:9999px;font-size:1rem;box-shadow:0 10px 25px -5px rgba(251,191,36,.4);text-decoration:none}
.hve-back{display:inline-flex;align-items:center;gap:.4rem;color:#fbbf24;font-size:.9rem;margin-bottom:1.5rem;font-weight:500;text-decoration:none}
.hve-section{padding:3.5rem 0;background:#f8fafc}
.hve-section h2{font-family:Georgia,"Times New Roman",serif;font-size:1.85rem;line-height:1.2;color:#152a45;margin:0 0 1rem}
.hve-section h3{font-size:1.25rem;color:#152a45;margin:1.75rem 0 .75rem}
.hve-section p{line-height:1.75;color:#334155;margin:0 0 1rem;font-size:1.02rem}
.hve-card{border-radius:1rem;overflow:hidden;background:#fff;border:1px solid #e2e8f0;box-shadow:0 20px 40px -15px rgba(21,42,69,.18)}
.hve-card-head{padding:1.75rem 2rem;border-bottom:1px solid #eef2f7;background:#f8fafc}
.hve-card-head h2{margin:0 0 .35rem;font-size:1.5rem}
.hve-card-head p{margin:0;color:#64748b;font-size:.95rem}
.hve-grid{display:grid;gap:0}
.hve-inputs{padding:2rem;display:flex;flex-direction:column;gap:1.1rem}
.hve-results{padding:2rem;display:flex;flex-direction:column;justify-content:center;background:linear-gradient(160deg,#1e3a5f,#152a45);color:#fff}
.hve-label{display:block;font-size:.85rem;font-weight:600;color:#1e293b;margin-bottom:.4rem}
.hve-iw{position:relative}
.hve-iw .pfx{position:absolute;left:1rem;top:50%;transform:translateY(-50%);color:#64748b;font-weight:600}
.hve-iw input[type="text"]{width:100%;padding:.8rem 1rem .8rem 2rem;border-radius:.5rem;font-size:1.05rem;font-weight:500;border:1px solid #cbd5e1;background:#fff;color:#1e293b}
select.hve-input{width:100%;padding:.8rem 1rem;border-radius:.5rem;font-size:1rem;font-weight:500;border:1px solid #cbd5e1;background:#fff;color:#1e293b}
.hve-range{width:100%;margin-top:.35rem;accent-color:#fbbf24}
.hve-note{font-size:.8rem;color:#64748b;margin-top:.25rem;line-height:1.5}
.hve-results .label{font-size:.8rem;text-transform:uppercase;letter-spacing:.08em;color:#cbd5e1;margin-bottom:.35rem}
.hve-results .value{font-family:Georgia,"Times New Roman",serif;font-size:3rem;line-height:1;margin:.25rem 0 .5rem;color:#fbbf24;font-weight:700}
.hve-results .gain{font-size:.95rem;color:#e2e8f0;margin-bottom:1.5rem}
.hve-row{display:flex;justify-content:space-between;align-items:center;gap:1rem;padding:.65rem 0;border-bottom:1px solid rgba(255,255,255,.1);font-size:.95rem}
.hve-row:last-child{border-bottom:0}
.hve-row strong{font-variant-numeric:tabular-nums;text-align:right}
.hve-cta-link{display:inline-block;margin-top:1.25rem;background:#fbbf24;color:#152a45;padding:.75rem 1.5rem;border-radius:9999px;font-weight:700;text-align:center;font-size:.95rem;text-decoration:none}
.hve-disclaimer{font-size:.78rem!important;color:#94a3b8!important;margin-top:1rem;line-height:1.6}
.hve-reftable{width:100%;border-collapse:collapse;font-size:.95rem;background:#fff;border-radius:.75rem;overflow:hidden;box-shadow:0 4px 12px rgba(21,42,69,.08)}
.hve-reftable th,.hve-reftable td{padding:.75rem 1rem;text-align:left;border-bottom:1px solid #eef2f7}
.hve-reftable th{background:#1e3a5f;color:#fff;font-weight:600;font-size:.9rem}
.hve-reftable td.num{text-align:right;font-variant-numeric:tabular-nums;font-weight:600}
.hve-up{color:#15803d;font-weight:700}
.hve-down{color:#b91c1c;font-weight:700}
.hve-formula{background:#fef3c7;border-left:4px solid #fbbf24;padding:1rem 1.25rem;border-radius:.5rem;font-size:.98rem;color:#78350f;margin:1.25rem 0;line-height:1.6}
.hve-faq-item{background:#fff;border:1px solid #e2e8f0;border-radius:.75rem;margin-bottom:.75rem;overflow:hidden}
.hve-faq-q{width:100%;text-align:left;padding:1.15rem 1.5rem;display:flex;justify-content:space-between;align-items:center;gap:1rem;cursor:pointer;font-weight:600;color:#152a45;background:#fff;border:none;font-size:1rem;font-family:inherit}
.hve-faq-q svg{flex-shrink:0;width:20px;height:20px;transition:transform .2s}
.hve-faq-a{display:block;padding:0 1.5rem 1.25rem;color:#475569;line-height:1.8;font-size:.97rem}
a.dark-link{color:#1e3a5f;text-decoration:underline}
@media(min-width:768px){.hve-hero h1{font-size:3.25rem}.hve-section h2{font-size:2.4rem}.hve-grid{grid-template-columns:1fr 1fr}}
@media(max-width:767px){.hve-hero{padding:3.5rem 1rem 3rem}.hve-inputs,.hve-results,.hve-card-head{padding:1.35rem}.hve-results .value{font-size:2.4rem}.hve-reftable{display:block;overflow-x:auto;white-space:nowrap}}