.ubc-wrapper *,.ubc-wrapper *::before,.ubc-wrapper *::after{box-sizing:border-box;margin:0;padding:0}.ubc-wrapper{font-family:'Inter',sans-serif;font-size:16px;color:#5F6368;line-height:1.6;max-width:1160px;margin:0 auto;padding:0 20px 64px}.ubc-hero{background:linear-gradient(135deg,#0C4A6E 0%,#0369a1 52%,#0891b2 100%);border-radius:16px;padding:52px 48px 44px;margin-bottom:40px;position:relative;overflow:hidden}.ubc-hero::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse at 80% 20%,rgba(255,255,255,.07) 0%,transparent 60%)}.ubc-hero-inner{position:relative;z-index:1;max-width:760px}.ubc-badge{display:inline-flex;align-items:center;gap:7px;background:rgba(255,255,255,.15);border:1px solid rgba(255,255,255,.30);color:#fff;font-size:11.5px;font-weight:700;padding:5px 14px;border-radius:20px;letter-spacing:.5px;text-transform:uppercase;margin-bottom:18px}.ubc-dot{width:6px;height:6px;background:#4ade80;border-radius:50%;animation:ubcBlink 1.4s infinite}@keyframes ubcBlink{0%,100%{opacity:1}50%{opacity:.3}}.ubc-hero h1{font-family:'Montserrat',sans-serif;font-size:clamp(22px, 3vw, 38px);font-weight:800;color:#fff;line-height:1.18;margin-bottom:16px;letter-spacing:-.5px}.ubc-hero-sub{font-size:16px;color:rgba(255,255,255,.84);line-height:1.68;margin-bottom:24px;max-width:660px}.ubc-pills{display:flex;flex-wrap:wrap;gap:8px}.ubc-pill{display:inline-flex;align-items:center;gap:5px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.22);color:rgba(255,255,255,.92);font-size:12px;font-weight:600;padding:5px 13px;border-radius:20px}.ubc-calc-section{background:#fff;border:1.5px solid #E0E4E8;border-radius:16px;padding:36px 32px;margin-bottom:48px;box-shadow:0 4px 24px rgba(12,74,110,.08)}.ubc-calc-h2{font-family:'Montserrat',sans-serif;font-size:clamp(17px, 2.2vw, 22px);font-weight:800;color:#002868;margin-bottom:6px;line-height:1.28}.ubc-calc-sub{font-size:14px;color:#5F6368;margin-bottom:28px;line-height:1.6}.ubc-calc-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:28px;align-items:start}.ubc-inputs-panel{display:flex;flex-direction:column;gap:18px}.ubc-form-group{display:flex;flex-direction:column;gap:6px}.ubc-label{font-size:13px;font-weight:600;color:#1D1D1F;display:flex;align-items:center;gap:6px}.ubc-label-hint{font-size:11px;font-weight:400;color:#5F6368}.ubc-input-wrap{display:flex;align-items:center;border:1.5px solid #E0E4E8;border-radius:9px;overflow:hidden;background:#F7F9FC;transition:border-color .2s,box-shadow .2s}.ubc-input-wrap:focus-within{border-color:#0369a1;box-shadow:0 0 0 3px rgba(3,105,161,.12);background:#fff}.ubc-input-prefix,.ubc-input-suffix{padding:0 12px;font-size:13px;font-weight:600;color:#5F6368;background:#E0E4E8;height:100%;display:flex;align-items:center;white-space:nowrap;min-height:42px}.ubc-input-wrap input[type="number"]{flex:1;padding:10px 12px;border:none;background:transparent;font-family:'Inter',sans-serif;font-size:15px;color:#1D1D1F;outline:none;width:100%;min-width:0}.ubc-input-wrap input[type="number"]::-webkit-inner-spin-button,.ubc-input-wrap input[type="number"]::-webkit-outer-spin-button{opacity:1}.ubc-slider-wrap{display:flex;align-items:center;gap:10px;margin-top:4px}.ubc-slider{flex:1;-webkit-appearance:none;height:5px;border-radius:3px;background:linear-gradient(to right,#0369a1 0%,#0369a1 50%,#E0E4E8 50%);outline:none;cursor:pointer}.ubc-slider::-webkit-slider-thumb{-webkit-appearance:none;width:18px;height:18px;border-radius:50%;background:#0C4A6E;border:2px solid #fff;box-shadow:0 1px 4px rgba(12,74,110,.3);cursor:pointer}.ubc-slider::-moz-range-thumb{width:18px;height:18px;border-radius:50%;background:#0C4A6E;border:2px solid #fff;cursor:pointer}.ubc-slider-val{font-size:12px;font-weight:600;color:#0C4A6E;min-width:36px;text-align:right}.ubc-radio-group{display:flex;flex-direction:column;gap:8px}.ubc-radio-label{display:flex;align-items:flex-start;gap:10px;cursor:pointer;padding:10px 12px;border:1.5px solid #E0E4E8;border-radius:9px;background:#F7F9FC;transition:all .2s;font-size:13.5px;line-height:1.5}.ubc-radio-label:hover{border-color:#0369a1;background:#e0f2fe}.ubc-radio-label input[type="radio"]{margin-top:2px;accent-color:#0C4A6E;width:16px;height:16px;flex-shrink:0}.ubc-radio-label input[type="radio"]:checked~.ubc-radio-label{border-color:#0C4A6E}.ubc-radio-label.ubc-selected{border-color:#0C4A6E;background:#e0f2fe}.ubc-radio-desc{font-size:11.5px;color:#5F6368;display:block;margin-top:2px}.ubc-form-divider{height:1px;background:#E0E4E8;margin:4px 0}.ubc-form-note{font-size:12px;color:#5F6368;line-height:1.55;background:#e0f2fe;border-left:3px solid #0369a1;padding:10px 14px;border-radius:0 8px 8px 0}.ubc-actions{display:flex;flex-wrap:wrap;gap:10px;margin-top:8px}.ubc-btn-primary{display:inline-flex;align-items:center;gap:7px;padding:12px 24px;background:#0C4A6E;color:#fff;font-family:'Montserrat',sans-serif;font-weight:700;font-size:13.5px;border:none;border-radius:9px;cursor:pointer;transition:background .2s,transform .15s;white-space:nowrap}.ubc-btn-primary:hover{background:#0369a1;transform:translateY(-1px)}.ubc-btn-secondary{display:inline-flex;align-items:center;gap:7px;padding:11px 20px;background:#fff;color:#0C4A6E;font-family:'Montserrat',sans-serif;font-weight:700;font-size:13px;border:1.5px solid #0C4A6E;border-radius:9px;cursor:pointer;transition:all .2s;white-space:nowrap}.ubc-btn-secondary:hover{background:#e0f2fe;transform:translateY(-1px)}.ubc-btn-wa{display:inline-flex;align-items:center;gap:7px;padding:11px 20px;background:#25D366;color:#fff;font-family:'Montserrat',sans-serif;font-weight:700;font-size:13px;border:none;border-radius:9px;cursor:pointer;transition:background .2s,transform .15s;white-space:nowrap}.ubc-btn-wa:hover{background:#128C7E;transform:translateY(-1px)}.ubc-btn-reset{display:inline-flex;align-items:center;gap:6px;padding:11px 16px;background:transparent;color:#5F6368;font-size:13px;font-weight:600;border:1.5px solid #E0E4E8;border-radius:9px;cursor:pointer;transition:all .2s}.ubc-btn-reset:hover{border-color:#BF0A30;color:#BF0A30}.ubc-results-panel{background:linear-gradient(145deg,#0C4A6E 0%,#003580 100%);border-radius:14px;padding:28px;color:#fff;display:flex;flex-direction:column;gap:20px}.ubc-results-title{font-family:'Montserrat',sans-serif;font-size:14px;font-weight:700;color:rgba(255,255,255,.7);text-transform:uppercase;letter-spacing:.6px;margin-bottom:4px}.ubc-plate{background:rgba(255,255,255,.10);border:1.5px solid rgba(255,255,255,.18);border-radius:12px;padding:18px 20px}.ubc-plate-title{font-size:11px;font-weight:700;color:rgba(255,255,255,.6);text-transform:uppercase;letter-spacing:.5px;margin-bottom:14px;display:flex;align-items:center;gap:6px}.ubc-plate-title::before{content:'';display:inline-block;width:8px;height:8px;background:gold;border-radius:2px}.ubc-plate-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}.ubc-plate-val{text-align:center;padding:12px 8px;background:rgba(255,255,255,.07);border-radius:8px}.ubc-plate-val-num{font-family:'Montserrat',sans-serif;font-size:clamp(22px, 3vw, 30px);font-weight:800;color:#fff;line-height:1;margin-bottom:4px}.ubc-plate-val-num span{font-size:14px;font-weight:600}.ubc-plate-val-label{font-size:10.5px;color:rgba(255,255,255,.65);font-weight:600;text-transform:uppercase;letter-spacing:.3px}.ubc-breakdown{display:flex;flex-direction:column;gap:10px}.ubc-breakdown-row{display:flex;justify-content:space-between;align-items:center;padding:9px 0;border-bottom:1px solid rgba(255,255,255,.10);font-size:13.5px}.ubc-breakdown-row:last-child{border-bottom:none}.ubc-breakdown-label{color:rgba(255,255,255,.75)}.ubc-breakdown-val{font-weight:700;color:#fff;font-family:'Montserrat',sans-serif}.ubc-status-wrap{padding:12px 16px;border-radius:9px;display:flex;align-items:center;gap:10px;font-size:13.5px;font-weight:700;font-family:'Montserrat',sans-serif}.ubc-status-safe{background:rgba(0,135,90,.25);color:#4ade80;border:1px solid rgba(74,222,128,.3)}.ubc-status-warn{background:rgba(245,158,11,.25);color:#FCD34D;border:1px solid rgba(252,211,77,.3)}.ubc-status-over{background:rgba(191,10,48,.30);color:#FCA5A5;border:1px solid rgba(252,165,165,.3)}.ubc-status-icon{font-size:18px}.ubc-pf-note{font-size:12px;color:rgba(255,255,255,.6);line-height:1.55;padding:10px 14px;background:rgba(255,255,255,.06);border-radius:8px}.ubc-pf-note strong{color:rgba(255,255,255,.85)}.ubc-chart-wrap{background:rgba(255,255,255,.08);border-radius:10px;padding:16px 12px 12px}.ubc-chart-label{font-size:11px;font-weight:700;color:rgba(255,255,255,.6);text-transform:uppercase;letter-spacing:.4px;margin-bottom:10px}#ubc-chart{max-height:130px}.ubc-idle-state{background:linear-gradient(145deg,#F7F9FC 0%,#e0f2fe 100%);border:1.5px dashed #0369a1;border-radius:14px;padding:40px 28px;text-align:center;color:#5F6368}.ubc-idle-icon{font-size:42px;margin-bottom:14px;opacity:.7}.ubc-idle-title{font-family:'Montserrat',sans-serif;font-size:16px;font-weight:700;color:#0C4A6E;margin-bottom:8px}.ubc-idle-text{font-size:13.5px;line-height:1.65}.ubc-sec{margin-bottom:52px}.ubc-sec-h{font-family:'Montserrat',sans-serif;font-size:clamp(19px, 2.4vw, 26px);font-weight:800;color:#002868;margin-bottom:10px;line-height:1.28}.ubc-sec-lead{font-size:15.5px;color:#5F6368;line-height:1.72;margin-bottom:26px;max-width:780px}.ubc-panel{background:#F7F9FC;border-radius:14px;padding:44px 40px;margin-bottom:40px}.ubc-prose h3{font-family:'Montserrat',sans-serif;font-size:16.5px;font-weight:700;color:#0C4A6E;margin:28px 0 9px;display:flex;align-items:center;gap:8px}.ubc-prose h3::before{content:'';width:3px;height:16px;background:#0891b2;border-radius:2px;display:inline-block;flex-shrink:0}.ubc-prose p{font-size:15px;line-height:1.76;color:#5F6368;margin-bottom:14px}.ubc-prose ul{padding-left:20px;margin-bottom:14px}.ubc-prose ul li{font-size:14.5px;line-height:1.72;color:#5F6368;margin-bottom:7px}.ubc-prose strong{color:#1D1D1F;font-weight:600}.ubc-prose a{color:#0369a1;text-decoration:underline;text-underline-offset:3px}.ubc-prose a:hover{color:#0C4A6E}.ubc-callout{background:#e0f2fe;border-left:4px solid #0369a1;border-radius:0 10px 10px 0;padding:16px 20px;margin:18px 0;display:flex;gap:12px;align-items:flex-start}.ubc-callout-ic{font-size:22px;flex-shrink:0}.ubc-callout p{font-size:13.5px;line-height:1.62;color:#0C4A6E;margin:0}.ubc-callout a{color:#002868;font-weight:600}.ubc-warning{background:#FEF9EC;border-left:4px solid #D97706;border-radius:0 10px 10px 0;padding:16px 20px;margin:18px 0;display:flex;gap:12px;align-items:flex-start}.ubc-warning-ic{font-size:22px;flex-shrink:0}.ubc-warning p{font-size:13.5px;line-height:1.62;color:#92400E;margin:0}.ubc-stat-block{background:#e0f2fe;border-radius:12px;padding:22px 26px;margin:18px 0;display:flex;align-items:flex-start;gap:18px}.ubc-stat-num{font-family:'Montserrat',sans-serif;font-size:36px;font-weight:800;color:#0C4A6E;line-height:1;flex-shrink:0}.ubc-stat-body p{font-size:13.5px;line-height:1.62;color:#0C4A6E;margin:0}.ubc-stat-body strong{color:#002868}.ubc-tbl-wrap{overflow-x:auto;margin:18px 0}.ubc-tbl{width:100%;border-collapse:collapse;font-size:14px}.ubc-tbl thead th{background:#0C4A6E;color:#fff;font-family:'Montserrat',sans-serif;font-weight:700;padding:13px 15px;text-align:left;white-space:nowrap}.ubc-tbl tbody tr:nth-child(even){background:#F7F9FC}.ubc-tbl tbody tr:hover{background:#e0f2fe}.ubc-tbl td{padding:11px 15px;border-bottom:1px solid #E0E4E8;color:#5F6368;font-size:13.5px;line-height:1.5;vertical-align:top}.ubc-tbl td:first-child{font-weight:700;color:#1D1D1F}.ubc-tbl td.ubc-hi{font-weight:700;color:#002868;background:#e0f2fe}.ubc-tbl-note{font-size:12px;color:#5F6368;margin-top:10px;font-style:italic}.ubc-scenarios{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:20px;margin:22px 0}.ubc-scn{background:#fff;border:1.5px solid #E0E4E8;border-radius:12px;padding:24px;border-left:4px solid #0891b2}.ubc-scn-loc{font-size:11px;font-weight:700;color:#0891b2;text-transform:uppercase;letter-spacing:.5px;margin-bottom:5px}.ubc-scn h3{font-family:'Montserrat',sans-serif;font-size:15px;font-weight:700;color:#1D1D1F;margin-bottom:9px;line-height:1.32}.ubc-scn p{font-size:13.5px;line-height:1.65;color:#5F6368;margin-bottom:10px}.ubc-scn-calc{background:#F7F9FC;border-radius:8px;padding:10px 14px;font-size:12.5px;color:#0C4A6E;font-family:'Montserrat',sans-serif;font-weight:700;margin-bottom:8px}.ubc-scn-res{background:#e0f2fe;border-radius:8px;padding:10px 14px;font-size:13px;font-weight:600;color:#0C4A6E}.ubc-tips{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:16px;margin:22px 0}.ubc-tip{background:#fff;border:1.5px solid #E0E4E8;border-radius:12px;padding:20px;display:flex;gap:14px;align-items:flex-start}.ubc-tip-n{width:34px;height:34px;background:#0C4A6E;color:#fff;font-family:'Montserrat',sans-serif;font-weight:800;font-size:15px;border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0}.ubc-tip h3{font-family:'Montserrat',sans-serif;font-size:14px;font-weight:700;color:#1D1D1F;margin-bottom:6px;line-height:1.32}.ubc-tip p{font-size:13px;line-height:1.62;color:#5F6368}.ubc-qr-sec{background:#fff;border:1.5px solid #E0E4E8;border-radius:14px;padding:36px 32px;margin-bottom:48px;box-shadow:0 2px 12px rgba(12,74,110,.06)}.ubc-qr-note{font-size:12.5px;color:#5F6368;margin-top:14px;line-height:1.6}.ubc-faq-sec{background:#F7F9FC;border-radius:14px;padding:44px 40px;margin-bottom:40px}.ubc-faqs{display:flex;flex-direction:column;gap:9px;margin:22px 0}.ubc-faq{border:1.5px solid #E0E4E8;border-radius:10px;overflow:hidden;background:#fff}.ubc-faq-q{width:100%;text-align:left;background:#fff;border:none;padding:17px 20px;font-weight:600;cursor:pointer;display:flex;justify-content:space-between;align-items:center;font-size:14.5px;color:#1D1D1F;font-family:'Inter',sans-serif;gap:10px;transition:color .2s}.ubc-faq-q::after{content:'+';font-size:20px;color:#0C4A6E;transition:transform .25s;flex-shrink:0;font-weight:400;line-height:1}.ubc-faq.open .ubc-faq-q{color:#0C4A6E}.ubc-faq.open .ubc-faq-q::after{transform:rotate(45deg)}.ubc-faq-a{max-height:0;overflow:hidden;transition:max-height .35s ease,padding .25s}.ubc-faq.open .ubc-faq-a{max-height:900px;padding:0 20px 16px}.ubc-faq-a p{font-size:14px;line-height:1.72;color:#5F6368}.ubc-faq-a a{color:#0369a1;text-decoration:underline}.ubc-related{display:grid;grid-template-columns:repeat(auto-fill,minmax(210px,1fr));gap:14px;margin:22px 0}.ubc-rel{background:#fff;border:1.5px solid #E0E4E8;border-radius:12px;padding:18px;text-decoration:none;transition:all .22s}.ubc-rel:hover{border-color:#0369a1;box-shadow:0 4px 16px rgba(12,74,110,.12);transform:translateY(-2px)}.ubc-rel-ic{font-size:24px;margin-bottom:9px}.ubc-rel-title{font-family:'Montserrat',sans-serif;font-size:13.5px;font-weight:700;color:#1D1D1F;margin-bottom:5px;line-height:1.32}.ubc-rel-desc{font-size:12px;color:#5F6368;line-height:1.55}.ubc-legal{background:#F7F9FC;border-radius:12px;padding:26px 30px;margin-top:44px;border:1px solid #E0E4E8}.ubc-legal h3{font-family:'Montserrat',sans-serif;font-size:14px;font-weight:700;color:#1D1D1F;margin-bottom:9px}.ubc-legal p{font-size:12.5px;line-height:1.65;color:#5F6368;margin-bottom:8px}.ubc-legal a{color:#0369a1;text-decoration:underline}.ubc-authority-row{display:flex;flex-wrap:wrap;gap:10px;margin:18px 0 0}.ubc-auth-badge{display:inline-flex;align-items:center;gap:6px;background:#e0f2fe;border:1px solid rgba(3,105,161,.25);color:#0C4A6E;font-size:11.5px;font-weight:700;padding:5px 12px;border-radius:20px}@media (max-width:900px){.ubc-calc-grid{grid-template-columns:1fr}.ubc-results-panel{order:-1}}@media (max-width:768px){.ubc-hero{padding:34px 22px 30px}.ubc-hero h1{font-size:22px}.ubc-calc-section{padding:24px 20px}.ubc-panel,.ubc-faq-sec{padding:30px 22px}.ubc-qr-sec{padding:26px 20px}.ubc-scenarios,.ubc-tips{grid-template-columns:1fr}.ubc-related{grid-template-columns:1fr 1fr}.ubc-plate-grid{grid-template-columns:repeat(3,1fr);gap:8px}.ubc-plate-val-num{font-size:20px}.ubc-stat-block{flex-direction:column;gap:10px}}@media (max-width:480px){.ubc-related{grid-template-columns:1fr}.ubc-actions{flex-direction:column}.ubc-btn-primary,.ubc-btn-secondary,.ubc-btn-wa,.ubc-btn-reset{justify-content:center}.ubc-pills{gap:6px}.ubc-pill{font-size:11px;padding:4px 10px}.ubc-legal{padding:20px 16px}}