.utc-risk-calculator{--utc-red:#D9272D;--utc-red-dark:#B91C1C;--utc-red-light:#FEF2F2;--utc-red-border:#FECACA;--utc-blue:#2563EB;--utc-blue-light:#EFF6FF;--utc-blue-border:#BFDBFE;--utc-yellow:#D97706;--utc-yellow-light:#FFFBEB;--utc-yellow-border:#FDE68A;--utc-gray-50:#F9FAFB;--utc-gray-100:#F3F4F6;--utc-gray-200:#E5E7EB;--utc-gray-300:#D1D5DB;--utc-gray-400:#9CA3AF;--utc-gray-500:#6B7280;--utc-gray-600:#4B5563;--utc-gray-700:#374151;--utc-gray-800:#1F2937;--utc-gray-900:#111827;--utc-white:#FFFFFF;--utc-radius:0.5rem;--utc-radius-lg:0.75rem;--utc-shadow:0 1px 3px 0 rgb(0 0 0/0.1),0 1px 2px -1px rgb(0 0 0/0.1);--utc-shadow-lg:0 10px 15px -3px rgb(0 0 0/0.1),0 4px 6px -4px rgb(0 0 0/0.1);--utc-transition:150ms ease-out;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;line-height:1.5;color:var(--utc-gray-900);-webkit-font-smoothing:antialiased}
.utc-risk-calculator *,.utc-risk-calculator *::before,.utc-risk-calculator *::after{box-sizing:border-box;margin:0;padding:0}
.utc-risk-calculator{min-height:100vh;background-color:var(--utc-gray-50)}
.utc-personal-calculator{background-color:var(--utc-gray-50)}
.utc-corporate-calculator{background-color:var(--utc-white)}
.utc-screen{display:none;padding:2rem 1rem;min-height:100vh}
.utc-screen.active{display:block}
.utc-card{background:var(--utc-white);border-radius:var(--utc-radius-lg);box-shadow:var(--utc-shadow);overflow:hidden}
.utc-card-lg{max-width:42rem;margin:0 auto}
.utc-card-header{padding:1.5rem;text-align:center}
.utc-card-title{font-size:1.5rem;font-weight:700;color:var(--utc-gray-900);margin-bottom:1rem;line-height:1.3}
.utc-card-description{font-size:1rem;color:var(--utc-gray-600);line-height:1.6}
.utc-card-content{padding:1.5rem}
.utc-btn{display:inline-flex;align-items:center;justify-content:center;gap:0.5rem;padding:0.75rem 1.5rem;font-size:0.9375rem;font-weight:500;line-height:1;border-radius:var(--utc-radius);border:1px solid transparent;cursor:pointer;transition:all var(--utc-transition);text-decoration:none;white-space:nowrap}
.utc-btn:focus{outline:2px solid var(--utc-red);outline-offset:2px}
.utc-btn:disabled{opacity:0.5;cursor:not-allowed}
.utc-btn-primary{background-color:var(--utc-red);color:var(--utc-white);border-color:var(--utc-red)}
.utc-btn-primary:hover:not(:disabled){background-color:var(--utc-red-dark);border-color:var(--utc-red-dark)}
.utc-btn-outline{background-color:var(--utc-white);color:var(--utc-gray-700);border-color:var(--utc-gray-300)}
.utc-btn-outline:hover:not(:disabled){background-color:var(--utc-gray-50);border-color:var(--utc-gray-400)}
.utc-btn-lg{padding:1rem 2rem;font-size:1rem}
.utc-btn-sm{padding:0.5rem 1rem;font-size:0.875rem}
.utc-btn-block{width:100%}
.utc-link-btn{display:inline-flex;align-items:center;justify-content:center;gap:0.5rem;padding:0.5rem;font-size:0.875rem;color:var(--utc-gray-600);background:none;border:none;cursor:pointer;transition:color var(--utc-transition)}
.utc-link-btn:hover{color:var(--utc-gray-800)}
.utc-corporate-calculator .utc-link-btn{color:var(--utc-red)}
.utc-corporate-calculator .utc-link-btn:hover{text-decoration:underline}
.utc-badges{display:flex;flex-wrap:wrap;justify-content:center;gap:0.75rem;margin-bottom:1.5rem}
.utc-badge{display:inline-flex;align-items:center;gap:0.375rem;padding:0.375rem 0.75rem;font-size:0.875rem;font-weight:400;color:var(--utc-gray-700);background-color:var(--utc-gray-100);border-radius:9999px}
.utc-badge-outline{background-color:transparent;border:1px solid var(--utc-red);color:var(--utc-red)}
.utc-badge-lg{padding:0.5rem 1rem;font-size:1.125rem;font-weight:600}
.utc-badge-result.conservative{background-color:var(--utc-blue-light);color:var(--utc-blue)}
.utc-badge-result.moderate{background-color:var(--utc-yellow-light);color:var(--utc-yellow)}
.utc-badge-result.aggressive{background-color:var(--utc-red-light);color:var(--utc-red)}
.utc-icon{width:1rem;height:1rem;flex-shrink:0}
.utc-icon-md{width:2rem;height:2rem}
.utc-icon-lg{width:2.5rem;height:2.5rem}
.utc-icon-xl{width:4rem;height:4rem;color:var(--utc-red)}
.utc-welcome-screen{display:none;flex-direction:column;align-items:center;justify-content:center}
.utc-welcome-screen.active{display:flex}
.utc-footer-text{margin-top:2rem;font-size:0.875rem;color:var(--utc-gray-500);text-align:center}
.utc-corporate-header{text-align:center;margin-bottom:3rem}
.utc-corporate-icon{width:4rem;height:4rem;margin:0 auto 1.5rem;display:flex;align-items:center;justify-content:center;background-color:var(--utc-red);border-radius:var(--utc-radius-lg);color:var(--utc-white)}
.utc-corporate-title{font-size:2rem;font-weight:700;color:var(--utc-gray-900);margin-bottom:1rem;line-height:1.2}
.utc-corporate-description{font-size:1.25rem;color:var(--utc-gray-600);max-width:48rem;margin:0 auto;line-height:1.6}
.utc-info-grid{display:grid;grid-template-columns:repeat(1,1fr);gap:1.5rem;max-width:48rem;margin:0 auto 3rem}
@media(min-width:768px){.utc-info-grid{grid-template-columns:repeat(3,1fr)}}
.utc-info-card{text-align:center;padding:1.5rem;background-color:var(--utc-gray-50);border-radius:var(--utc-radius-lg)}
.utc-info-card .utc-icon-md{color:var(--utc-red);margin:0 auto 0.75rem}
.utc-info-label{font-weight:600;color:var(--utc-gray-900)}
.utc-info-sublabel{font-size:0.875rem;color:var(--utc-gray-600)}
.utc-cta-container{text-align:center}
.utc-cta-container .utc-btn{margin-bottom:1rem}
.utc-corporate-header-sm{display:flex;align-items:center;justify-content:center;gap:1rem;margin-bottom:2rem;text-align:left}
.utc-corporate-icon-sm{width:3rem;height:3rem;display:flex;align-items:center;justify-content:center;background-color:var(--utc-red);border-radius:var(--utc-radius-lg);color:var(--utc-white);flex-shrink:0}
.utc-header-title{font-size:1.5rem;font-weight:700;color:var(--utc-gray-900);margin-bottom:0.25rem}
.utc-header-subtitle{font-size:0.9375rem;color:var(--utc-gray-600)}
.utc-progress-container{max-width:42rem;margin:0 auto 1.5rem;padding:0 1rem}
.utc-personal-calculator .utc-progress-container{background-color:var(--utc-white);border-bottom:1px solid var(--utc-gray-200);padding:1rem;margin:-2rem -1rem 1.5rem;max-width:none}
.utc-progress-header{display:flex;justify-content:space-between;align-items:center;margin-bottom:0.75rem}
.utc-progress-text{font-size:0.875rem;font-weight:500;color:var(--utc-gray-700)}
.utc-progress-bar{width:100%;height:0.5rem;background-color:var(--utc-gray-200);border-radius:9999px;overflow:hidden}
.utc-progress-fill{height:100%;background-color:var(--utc-red);border-radius:9999px;transition:width 0.3s ease-out}
.utc-question-screen{max-width:42rem;margin:0 auto}
.utc-question-header{display:flex;align-items:center;justify-content:space-between;margin-bottom:1rem}
.utc-check-icon{color:#22C55E}
.utc-question-title{font-size:1.25rem;font-weight:700;color:var(--utc-gray-900);line-height:1.4;margin-bottom:0.75rem}
.utc-risk-calculator .utc-question-title{font-size:1.5rem}
.utc-question-subtitle{font-size:0.9375rem;color:var(--utc-gray-600);margin-bottom:0.5rem}
.utc-question-hint{font-size:0.875rem;color:var(--utc-gray-600);margin-bottom:1rem}
.utc-divider{height:1px;background-color:var(--utc-gray-200);margin-bottom:1.5rem}
.utc-error-message{padding:0.75rem;margin-bottom:1rem;background-color:var(--utc-red-light);border:1px solid var(--utc-red-border);border-radius:var(--utc-radius);color:#B91C1C;font-size:0.875rem}
.utc-options-container{display:flex;flex-direction:column;gap:0.75rem}
.utc-option{display:flex;align-items:flex-start;gap:0.75rem;padding:1rem;background-color:var(--utc-white);border:2px solid var(--utc-gray-200);border-radius:var(--utc-radius-lg);cursor:pointer;transition:all var(--utc-transition);text-align:left;width:100%}
.utc-option:hover{border-color:var(--utc-gray-300);background-color:var(--utc-gray-50)}
.utc-option.selected{border-color:var(--utc-red);background-color:var(--utc-red-light)}
.utc-option:focus{outline:2px solid var(--utc-red);outline-offset:2px}
.utc-option-radio{width:1.25rem;height:1.25rem;border:2px solid var(--utc-gray-400);border-radius:50%;flex-shrink:0;margin-top:0.125rem;display:flex;align-items:center;justify-content:center;transition:all var(--utc-transition)}
.utc-option.selected .utc-option-radio{border-color:var(--utc-red);background-color:var(--utc-red)}
.utc-option.selected .utc-option-radio::after{content:'';width:0.5rem;height:0.5rem;background-color:var(--utc-white);border-radius:50%}
.utc-option-content{flex:1}
.utc-option-text{font-weight:600;color:var(--utc-gray-900);margin-bottom:0.25rem;line-height:1.4}
.utc-option-description{font-size:0.875rem;color:var(--utc-gray-600);line-height:1.5}
.utc-option-selected-label{display:none;align-items:center;gap:0.25rem;color:var(--utc-red);font-size:0.875rem;font-weight:500;white-space:nowrap}
.utc-option.selected .utc-option-selected-label{display:flex}
.utc-navigation{display:flex;justify-content:space-between;align-items:center;margin-top:1.5rem;padding:1rem;background-color:var(--utc-white);border-top:1px solid var(--utc-gray-200);position:sticky;bottom:0}
.utc-corporate-calculator .utc-navigation{background-color:transparent;border-top:none;position:static}
.utc-navigation .utc-btn.hidden{visibility:hidden}
.utc-results-screen{max-width:48rem;margin:0 auto}
.utc-results-header{text-align:center;margin-bottom:2rem}
.utc-result-icon{width:4rem;height:4rem;margin:0 auto 1.5rem;border-radius:50%;display:flex;align-items:center;justify-content:center}
.utc-result-icon.conservative{background-color:var(--utc-blue-light);color:var(--utc-blue)}
.utc-result-icon.moderate{background-color:var(--utc-yellow-light);color:var(--utc-yellow)}
.utc-result-icon.aggressive{background-color:var(--utc-red-light);color:var(--utc-red)}
.utc-result-icon-lg{width:4rem;height:4rem;margin:0 auto 1rem;border-radius:50%;display:flex;align-items:center;justify-content:center;color:var(--utc-white)}
.utc-result-icon-lg.conservative{background-color:var(--utc-blue)}
.utc-result-icon-lg.moderate{background-color:var(--utc-yellow)}
.utc-result-icon-lg.aggressive{background-color:var(--utc-red)}
.utc-results-title{font-size:1.75rem;font-weight:700;color:var(--utc-gray-900);margin-bottom:0.5rem}
.utc-results-score{display:flex;align-items:center;justify-content:center;gap:0.5rem;flex-wrap:wrap;font-size:1rem;color:var(--utc-gray-700)}
.utc-results-score-text{font-size:1rem;color:var(--utc-gray-600)}
.utc-dot{color:var(--utc-gray-400)}
.utc-meter-container{margin-bottom:2rem}
.utc-meter-title{font-size:0.875rem;font-weight:500;color:var(--utc-gray-700);text-align:center;margin-bottom:1rem}
.utc-meter{position:relative;margin-bottom:0.5rem}
.utc-meter-lg{height:2rem}
.utc-meter-track{display:flex;height:0.75rem;background-color:var(--utc-gray-200);border-radius:9999px;overflow:hidden;position:relative}
.utc-meter-lg .utc-meter-track{height:2rem}
.utc-meter-section{flex:1}
.utc-meter-conservative{background-color:#BFDBFE}
.utc-meter-moderate{background-color:#FDE68A}
.utc-meter-aggressive{background-color:#FECACA}
.utc-meter-tick{position:absolute;top:0;width:2px;height:100%;background-color:var(--utc-gray-400)}
.utc-meter-lg .utc-meter-tick{background-color:var(--utc-white)}
.utc-meter-pointer{position:absolute;top:50%;width:1rem;height:1rem;background-color:var(--utc-red);border:2px solid var(--utc-white);border-radius:50%;transform:translateX(-50%) translateY(-50%);box-shadow:var(--utc-shadow);transition:left 0.5s ease-out;z-index:1}
.utc-meter-lg .utc-meter-pointer{width:0.25rem;height:2rem;border-radius:9999px;background-color:var(--utc-gray-800);border:none}
.utc-meter-labels,.utc-meter-labels-top{display:flex;justify-content:space-between;font-size:0.75rem;color:var(--utc-gray-600)}
.utc-meter-labels-top{margin-bottom:0.5rem}
.utc-meter-labels-bottom{display:flex;justify-content:space-between;font-size:0.75rem;color:var(--utc-gray-500);margin-top:0.25rem}
.utc-boundary-warning{padding:0.75rem;margin-bottom:1.5rem;background-color:var(--utc-yellow-light);border:1px solid var(--utc-yellow-border);border-radius:var(--utc-radius);color:#92400E;font-size:0.875rem}
.utc-results-meaning{margin-bottom:2rem}
.utc-results-meaning h3{font-size:1.25rem;font-weight:600;color:var(--utc-gray-900);margin-bottom:1rem}
.utc-results-meaning .risk-description{color:var(--utc-gray-700);line-height:1.6;margin-bottom:0.75rem}
.utc-results-guide{font-size:0.875rem;color:var(--utc-gray-500);font-style:italic}
.utc-results-meaning-box{padding:1.5rem;border-radius:var(--utc-radius-lg);margin-bottom:1.5rem}
.utc-results-meaning-box.conservative{background-color:var(--utc-blue-light);border:1px solid var(--utc-blue-border)}
.utc-results-meaning-box.moderate{background-color:var(--utc-yellow-light);border:1px solid var(--utc-yellow-border)}
.utc-results-meaning-box.aggressive{background-color:var(--utc-red-light);border:1px solid var(--utc-red-border)}
.utc-results-meaning-box h3{font-size:1rem;font-weight:600;color:var(--utc-gray-900);margin-bottom:0.5rem}
.utc-results-meaning-box .risk-description{font-size:1rem;color:var(--utc-gray-700);line-height:1.6}
.utc-results-actions{margin-bottom:2rem}
.utc-actions-primary{display:grid;grid-template-columns:1fr;gap:0.75rem;margin-bottom:0.75rem}
@media(min-width:768px){.utc-actions-primary{grid-template-columns:repeat(2,1fr)}}
.utc-actions-secondary{display:grid;grid-template-columns:1fr;gap:0.75rem}
@media(min-width:768px){.utc-actions-secondary{grid-template-columns:repeat(3,1fr)}}
.utc-results-grid{display:grid;grid-template-columns:1fr;gap:1.5rem;margin-bottom:1.5rem}
@media(min-width:768px){.utc-results-grid{grid-template-columns:repeat(2,1fr)}}
.utc-summary-section h3,.utc-ranges-section h3{font-size:1rem;font-weight:600;color:var(--utc-gray-800);margin-bottom:1rem}
.utc-summary-list{display:flex;flex-direction:column;gap:0.5rem}
.utc-summary-item{display:flex;align-items:center;justify-content:space-between;padding:0.75rem;background-color:var(--utc-gray-50);border-radius:var(--utc-radius)}
.utc-summary-item span:first-child{font-size:0.875rem;color:var(--utc-gray-600)}
.utc-summary-item .utc-badge{font-size:0.75rem}
.utc-range-item{display:flex;align-items:center;justify-content:space-between;padding:0.75rem;border-radius:var(--utc-radius);margin-bottom:0.75rem}
.utc-range-info{display:flex;align-items:center;gap:0.5rem;font-weight:500}
.utc-range-value{font-size:0.875rem}
.utc-range-conservative{background-color:var(--utc-blue-light);border:1px solid var(--utc-blue-border)}
.utc-range-conservative .utc-icon,.utc-range-conservative .utc-range-info span,.utc-range-conservative .utc-range-value{color:var(--utc-blue)}
.utc-range-moderate{background-color:var(--utc-yellow-light);border:1px solid var(--utc-yellow-border)}
.utc-range-moderate .utc-icon,.utc-range-moderate .utc-range-info span,.utc-range-moderate .utc-range-value{color:var(--utc-yellow)}
.utc-range-aggressive{background-color:var(--utc-red-light);border:1px solid var(--utc-red-border)}
.utc-range-aggressive .utc-icon,.utc-range-aggressive .utc-range-info span,.utc-range-aggressive .utc-range-value{color:var(--utc-red)}
.utc-disclaimer-card{background-color:var(--utc-gray-100);margin-top:1.5rem}
.utc-disclaimer-card h3{font-size:0.875rem;font-weight:600;color:var(--utc-gray-900);margin-bottom:0.75rem}
.utc-disclaimer-card p{font-size:0.875rem;color:var(--utc-gray-700);line-height:1.6}
.utc-disclaimer-box{padding:1rem;background-color:var(--utc-yellow-light);border:1px solid var(--utc-yellow-border);border-radius:var(--utc-radius)}
.utc-disclaimer-box h4{font-size:0.875rem;font-weight:600;color:#92400E;margin-bottom:0.5rem}
.utc-disclaimer-box p{font-size:0.875rem;color:#92400E;line-height:1.6}
.utc-email-screen{max-width:42rem;margin:0 auto}
.utc-email-header{text-align:center;margin-bottom:2rem}
.utc-email-header h1{font-size:1.75rem;font-weight:700;color:var(--utc-gray-900);margin:1rem 0 0.5rem}
.utc-email-header p{color:var(--utc-gray-600)}
.utc-form-group{margin-bottom:1rem}
.utc-form-group label{display:block;font-size:0.875rem;font-weight:500;color:var(--utc-gray-700);margin-bottom:0.375rem}
.utc-input,.utc-textarea{width:100%;padding:0.625rem 0.75rem;font-size:0.9375rem;color:var(--utc-gray-900);background-color:var(--utc-white);border:1px solid var(--utc-gray-300);border-radius:var(--utc-radius);transition:border-color var(--utc-transition),box-shadow var(--utc-transition)}
.utc-input:focus,.utc-textarea:focus{outline:none;border-color:var(--utc-red);box-shadow:0 0 0 3px rgba(217,39,45,0.1)}
.utc-textarea{resize:vertical;min-height:100px}
.utc-modal{display:none;position:fixed;top:0;left:0;width:100%;height:100%;z-index:1000}
.utc-modal.active{display:flex;align-items:center;justify-content:center}
.utc-modal-backdrop{position:absolute;top:0;left:0;width:100%;height:100%;background-color:rgba(0,0,0,0.5)}
.utc-modal-content{position:relative;background-color:var(--utc-white);border-radius:var(--utc-radius-lg);max-width:42rem;width:calc(100% - 2rem);max-height:80vh;overflow-y:auto;box-shadow:var(--utc-shadow-lg)}
.utc-modal-header{display:flex;align-items:center;justify-content:space-between;padding:1.5rem 1.5rem 1rem}
.utc-modal-header h3{font-size:1.125rem;font-weight:600;color:var(--utc-gray-900)}
.utc-modal-close{width:2rem;height:2rem;display:flex;align-items:center;justify-content:center;font-size:1.5rem;color:var(--utc-gray-400);background:none;border:none;cursor:pointer;border-radius:var(--utc-radius);transition:all var(--utc-transition)}
.utc-modal-close:hover{color:var(--utc-gray-600);background-color:var(--utc-gray-100)}
.utc-modal-body{padding:0 1.5rem}
.utc-modal-body p{font-size:0.875rem;color:var(--utc-gray-700);line-height:1.6}
.utc-modal-footer{padding:1.5rem;text-align:center}
.utc-toast{position:fixed;top:1rem;right:1rem;padding:0.75rem 1rem;background-color:#16A34A;color:var(--utc-white);border-radius:var(--utc-radius);box-shadow:var(--utc-shadow-lg);z-index:1001;animation:utc-slide-in 0.3s ease-out}
@keyframes utc-slide-in{from{transform:translateY(-1rem);opacity:0}to{transform:translateY(0);opacity:1}}
@media print{.utc-risk-calculator{background:white!important}.utc-results-actions,.utc-navigation{display:none!important}.utc-card{box-shadow:none!important;border:1px solid #ddd!important}}
@media(max-width:640px){.utc-corporate-title{font-size:1.5rem}.utc-corporate-description{font-size:1rem}.utc-results-title{font-size:1.5rem}.utc-results-score{flex-direction:column;gap:0.25rem}.utc-dot{display:none}.utc-btn{padding:0.625rem 1rem;font-size:0.875rem}.utc-btn-lg{padding:0.875rem 1.5rem}}