.phm-hero{background:linear-gradient(135deg,#1e3a8a 0%,#1e40af 55%,#3b82f6 100%);padding:52px 20px 44px;text-align:center}.phm-hero h1{color:#fff;font-family:'Montserrat',sans-serif;font-size:clamp(1.5rem,3.8vw,2.3rem);font-weight:800;line-height:1.2;margin:0 0 14px}.phm-hero-sub{color:#bfdbfe;font-size:1.05rem;max-width:700px;margin:0 auto 22px;line-height:1.6}.phm-hero-pills{display:flex;flex-wrap:wrap;gap:8px;justify-content:center}.phm-pill{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.25);color:#dbeafe;padding:5px 14px;border-radius:20px;font-size:.78rem;font-weight:600}.phm-wrap{max-width:1100px;margin:0 auto;padding:28px 16px 40px}.phm-grid{display:grid;grid-template-columns:1fr 1fr;gap:26px;align-items:start}@media(max-width:768px){.phm-grid{grid-template-columns:1fr}}.phm-input-panel{background:#fff;border-radius:14px;box-shadow:0 3px 18px rgba(30,64,175,.1);padding:22px 20px}.phm-input-panel h2{display:none}.phm-tabs{display:flex;border-radius:10px;overflow:hidden;border:2px solid #1e40af;margin-bottom:18px}.phm-tab{flex:1;padding:10px;text-align:center;font-family:'Montserrat',sans-serif;font-size:.82rem;font-weight:700;cursor:pointer;background:#eff6ff;color:#1e40af;border:none;transition:all .2s}.phm-tab-active,.phm-tab:hover{background:#1e40af;color:#fff}.phm-section-title{font-family:'Montserrat',sans-serif;font-size:.88rem;font-weight:700;color:#1e3a8a;margin:0 0 10px;padding-bottom:6px;border-bottom:2px solid #eff6ff}.phm-info{background:#eff6ff;border:1px solid #bfdbfe;border-radius:8px;padding:10px 14px;font-size:.8rem;color:#1e3a8a;line-height:1.55;margin-bottom:14px}.phm-field{margin-bottom:12px}.phm-field label{display:block;font-size:.82rem;font-weight:700;color:#374151;margin-bottom:4px;font-family:'Montserrat',sans-serif}.phm-time-row{display:flex;align-items:center;gap:6px}.phm-time-row input[type=number]{width:64px;padding:9px 8px;border:1.5px solid #d1d5db;border-radius:8px;font-size:.95rem;font-family:'Inter',sans-serif;color:#111827;background:#f9fafb;text-align:center;transition:border-color .2s}.phm-time-row input:focus{outline:none;border-color:#1e40af;background:#fff}.phm-time-row span{font-size:.82rem;font-weight:700;color:#6b7280;font-family:'Montserrat',sans-serif}.phm-rate-row{display:flex;align-items:center;gap:6px}.phm-rate-row span{font-size:.9rem;font-weight:700;color:#1e3a8a}.phm-rate-row input{width:100px;padding:9px 8px;border:1.5px solid #d1d5db;border-radius:8px;font-size:.95rem;font-family:'Inter',sans-serif;color:#111827;background:#f9fafb;text-align:right;transition:border-color .2s}.phm-rate-row input:focus{outline:none;border-color:#1e40af;background:#fff}.phm-hint{font-size:.76rem;color:#6b7280;margin:4px 0 0;font-style:italic}.phm-week-table{width:100%;border-collapse:collapse;margin-bottom:12px}.phm-week-table th{font-family:'Montserrat',sans-serif;font-size:.75rem;font-weight:700;color:#374151;padding:5px 8px;text-align:left;border-bottom:2px solid #eff6ff}.phm-week-table td{padding:5px 4px;border-bottom:1px solid #f1f5f9;vertical-align:middle}.phm-week-table td:first-child{font-family:'Montserrat',sans-serif;font-size:.82rem;font-weight:700;color:#1e3a8a;width:36px}.phm-week-table input[type=number]{width:50px;padding:5px 4px;border:1.5px solid #d1d5db;border-radius:6px;font-size:.85rem;font-family:'Inter',sans-serif;color:#111827;background:#f9fafb;text-align:center}.phm-week-table input:focus{outline:none;border-color:#1e40af}.phm-week-sep{font-size:.78rem;color:#9ca3af;padding:0 4px}.phm-btn-primary{display:block;width:100%;padding:12px 0;background:linear-gradient(135deg,#1e3a8a,#1e40af);color:#fff;font-family:'Montserrat',sans-serif;font-size:.98rem;font-weight:700;border:none;border-radius:10px;cursor:pointer;transition:opacity .2s;margin-top:10px}.phm-btn-primary:hover{opacity:.9}.phm-error{color:#dc2626;font-size:.82rem;margin-top:6px;min-height:16px;font-weight:600}.phm-result-panel{background:#1e3a8a;border-radius:14px;padding:22px 20px;color:#fff}.phm-result-panel h2{display:none}.phm-res-sub{font-size:.78rem;color:#93c5fd;margin:0 0 6px;font-weight:600}.phm-res-label{font-family:'Montserrat',sans-serif;font-size:.83rem;font-weight:700;color:#93c5fd;text-transform:uppercase;letter-spacing:.7px;margin:0 0 4px}.phm-res-val{font-family:'Montserrat',sans-serif;font-size:clamp(2rem,5.5vw,3rem);font-weight:800;color:#fff;margin:0 0 2px;line-height:1.1}.phm-res-unit{font-size:.82rem;color:#93c5fd;font-weight:600;margin-bottom:14px}.phm-breakdown{width:100%;border-collapse:collapse;font-size:.82rem;margin-bottom:10px}.phm-breakdown td{padding:5px 8px;border-bottom:1px solid rgba(255,255,255,.08);color:#dbeafe}.phm-breakdown td:last-child{text-align:right;color:#fff}.phm-breakdown tr:last-child td{border-bottom:none}.phm-actions{display:none;gap:10px;margin-top:12px;flex-wrap:wrap}.phm-btn-pdf,.phm-btn-wa{padding:10px 18px;border:none;border-radius:8px;font-family:'Montserrat',sans-serif;font-size:.84rem;font-weight:700;cursor:pointer;display:flex;align-items:center;gap:6px;transition:opacity .2s}.phm-btn-pdf{background:#002868;color:#fff}.phm-btn-wa{background:#25d366;color:#fff}.phm-btn-pdf:hover,.phm-btn-wa:hover{opacity:.88}.phm-chart-box{background:#fff;border-radius:14px;box-shadow:0 3px 18px rgba(30,64,175,.08);padding:16px 14px;margin-top:20px}.phm-chart-box h3{font-family:'Montserrat',sans-serif;font-size:.88rem;font-weight:700;color:#1e3a8a;margin:0 0 8px}.phm-chart-note{font-size:.72rem;color:#6b7280;margin-bottom:6px}.phm-chart-wrap{position:relative;height:200px}.phm-divider{height:2px;background:linear-gradient(90deg,#1e40af,transparent);margin:30px 0 24px;border-radius:2px}.phm-content{max-width:860px;margin:0 auto;padding:0 16px}.phm-content h2{font-family:'Montserrat',sans-serif;font-size:clamp(1.2rem,3vw,1.55rem);font-weight:800;color:#1e3a8a;margin:36px 0 14px;padding-bottom:8px;border-bottom:2px solid #eff6ff;line-height:1.3}.phm-content h3{font-family:'Montserrat',sans-serif;font-size:1.1rem;font-weight:700;color:#1e40af;margin:22px 0 8px}.phm-content p{font-family:'Inter',sans-serif;font-size:.97rem;color:#374151;line-height:1.75;margin:0 0 12px}.phm-content ul,.phm-content ol{padding-left:1.5rem;margin:0 0 12px}.phm-content li{font-family:'Inter',sans-serif;font-size:.95rem;color:#374151;line-height:1.7;margin-bottom:4px}.phm-content a{color:#1e40af;text-decoration:none;font-weight:600}.phm-content a:hover{text-decoration:underline}.phm-conv-table,.phm-quick-ref{width:100%;border-collapse:collapse;font-size:.86rem;margin:12px 0}.phm-conv-table th,.phm-quick-ref th{background:#1e3a8a;color:#fff;padding:8px 10px;text-align:left;font-family:'Montserrat',sans-serif;font-size:.77rem;font-weight:700}.phm-conv-table td,.phm-quick-ref td{padding:7px 10px;border-bottom:1px solid #e2e8f0;font-family:'Inter',sans-serif;color:#1e293b}.phm-conv-table tr:nth-child(even),.phm-quick-ref tr:nth-child(even){background:#eff6ff}.phm-conv-table td:first-child,.phm-quick-ref td:first-child{font-weight:700;color:#1e40af;font-family:'Montserrat',sans-serif}.phm-quick-ref caption{caption-side:bottom;text-align:left;font-size:.74rem;color:#6b7280;margin-top:6px;font-style:italic}.phm-example{background:#f8faff;border-radius:12px;border:1px solid #dbeafe;padding:16px 20px;margin:16px 0}.phm-example-label{display:inline-block;background:#1e40af;color:#fff;font-size:.73rem;font-weight:700;padding:3px 10px;border-radius:12px;font-family:'Montserrat',sans-serif;margin-bottom:8px;text-transform:uppercase}.phm-example h3{color:#1e3a8a;font-size:1.02rem;margin:0 0 8px}.phm-result-block{background:#1e3a8a;border-radius:8px;padding:10px 14px;color:#fff;font-family:'Montserrat',sans-serif;font-size:.95rem;font-weight:700;margin:10px 0;text-align:center}.phm-result-block span{font-size:.76rem;color:#93c5fd;font-weight:400;display:block}.phm-tip{display:flex;gap:12px;align-items:flex-start;background:#fff;border-radius:10px;border:1px solid #dbeafe;padding:14px 16px;margin:12px 0}.phm-tip-num{background:#1e40af;color:#fff;width:28px;height:28px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:'Montserrat',sans-serif;font-size:.8rem;font-weight:800;flex-shrink:0}.phm-tip-body h3{margin:0 0 4px;color:#1e3a8a;font-size:.93rem}.phm-tip-body p{margin:0;color:#374151;font-size:.88rem;line-height:1.6}.phm-faq-item{border-bottom:1px solid #e2e8f0;overflow:hidden}.phm-faq-q{display:flex;justify-content:space-between;align-items:center;padding:13px 0;cursor:pointer;background:none;border:none;width:100%;text-align:left;font-family:'Montserrat',sans-serif;font-size:.9rem;font-weight:700;color:#1e3a8a;gap:10px}.phm-faq-q .phm-faq-icon{width:22px;height:22px;border-radius:50%;background:#eff6ff;display:flex;align-items:center;justify-content:center;flex-shrink:0;transition:transform .25s}.phm-faq-item.open .phm-faq-icon{transform:rotate(45deg);background:#1e40af}.phm-faq-icon::after{content:'+';font-size:14px;color:#1e40af;line-height:1}.phm-faq-item.open .phm-faq-icon::after{color:#fff}.phm-faq-a{max-height:0;overflow:hidden;transition:max-height .35s ease}.phm-faq-item.open .phm-faq-a{max-height:450px;padding:0 0 12px}.phm-faq-a p{margin:0;font-size:.9rem;color:#374151;line-height:1.7}.phm-related-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));gap:14px;margin:16px 0}.phm-related-card{background:#fff;border:1.5px solid #dbeafe;border-radius:12px;padding:16px;text-decoration:none;display:flex;flex-direction:column;gap:6px;transition:all .2s}.phm-related-card:hover{border-color:#1e40af;box-shadow:0 4px 16px rgba(30,64,175,.12);transform:translateY(-2px)}.phm-related-card .rc-icon{width:36px;height:36px;background:#eff6ff;border-radius:8px;display:flex;align-items:center;justify-content:center;font-size:1.2rem}.phm-related-card .rc-title{font-family:'Montserrat',sans-serif;font-size:.86rem;font-weight:700;color:#1e3a8a;line-height:1.3}.phm-related-card .rc-desc{font-family:'Inter',sans-serif;font-size:.78rem;color:#6b7280;line-height:1.4}.phm-legal{background:#f8faff;border-radius:10px;border:1px solid #dbeafe;padding:16px 20px;margin-top:28px}.phm-legal h2{font-family:'Montserrat',sans-serif;font-size:1rem;font-weight:700;color:#1e3a8a;margin:0 0 6px}.phm-legal p{font-size:.82rem;color:#6b7280;line-height:1.6;margin:0}@media(max-width:480px){.phm-hero{padding:36px 16px 30px}.phm-res-val{font-size:2rem}.phm-actions{flex-direction:column}.phm-week-table input[type=number]{width:44px}}