*{margin:0;padding:0;box-sizing:border-box}body{font-family:'Segoe UI',Tahoma,Geneva,Verdana,sans-serif;background:linear-gradient(135deg,#667eea 0,#764ba2 100%);min-height:100vh;display:flex;align-items:center;justify-content:center;padding:20px}.container{background:rgba(255,255,255,.95);backdrop-filter:blur(10px);border-radius:20px;box-shadow:0 20px 40px rgba(0,0,0,.1);padding:40px;max-width:800px;width:100%;border:1px solid rgba(255,255,255,.2)}.header{text-align:center;margin-bottom:30px}.header .money-icon{font-size:3rem;margin-bottom:15px;display:block}.header h1{color:#2c3e50;font-size:2.2rem;margin-bottom:10px;font-weight:700}.header .subtitle{color:#7f8c8d;font-size:1.1rem;line-height:1.6;margin-bottom:10px}.form-group{margin-bottom:25px}.form-group label{display:block;margin-bottom:8px;color:#2c3e50;font-weight:600;font-size:1rem}.form-group input[type="number"],.form-group select{width:100%;padding:15px;border:2px solid #e0e6ed;border-radius:12px;font-size:1rem;transition:all .3s ease;background:#fff;color:#2c3e50}.form-group input:focus,.form-group select:focus{outline:0;border-color:#667eea;box-shadow:0 0 0 3px rgba(102,126,234,.1);transform:translateY(-2px)}.income-inputs{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-bottom:20px}.filing-status{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:15px;margin-top:10px}.status-option{display:flex;align-items:center;gap:10px;padding:15px;background:#f8f9fa;border-radius:12px;cursor:pointer;transition:all .3s ease;border:2px solid transparent}.status-option:hover{background:#e9ecef;transform:translateY(-2px)}.status-option input[type="radio"]{accent-color:#667eea}.status-option.selected{background:linear-gradient(135deg,#667eea 0,#764ba2 100%);color:#fff;border-color:#667eea}.calculate-btn{width:100%;background:linear-gradient(135deg,#667eea 0,#764ba2 100%);color:#fff;border:0;padding:18px;border-radius:12px;font-size:1.1rem;font-weight:600;cursor:pointer;transition:all .3s ease;text-transform:uppercase;letter-spacing:1px;margin:30px 0}.calculate-btn:hover{transform:translateY(-3px);box-shadow:0 10px 25px rgba(102,126,234,.3)}.calculate-btn:active{transform:translateY(-1px)}.results{background:linear-gradient(135deg,#f093fb 0,#f5576c 100%);color:#fff;border-radius:15px;margin-top:25px;opacity:0;transform:translateY(20px);transition:all .5s ease;overflow:hidden}.results.show{opacity:1;transform:translateY(0)}.results.no-irmaa{background:linear-gradient(135deg,#d4edda 0,#c3e6cb 100%);color:#155724}.results-header{padding:25px;text-align:center;background:rgba(255,255,255,.1)}.results-header h3{font-size:1.8rem;margin-bottom:10px;font-weight:700}.income-tier{font-size:1.1rem;opacity:.9;margin-bottom:10px}.premium-breakdown{padding:30px}.premium-section{background:rgba(255,255,255,.1);padding:20px;border-radius:12px;margin-bottom:20px}.premium-section h4{font-size:1.3rem;margin-bottom:15px;font-weight:600}.premium-row{display:flex;justify-content:space-between;align-items:center;padding:10px 0;border-bottom:1px solid rgba(255,255,255,.2)}.premium-row:last-child{border-bottom:0;font-weight:700;font-size:1.1rem;margin-top:10px;padding-top:15px;border-top:2px solid rgba(255,255,255,.3)}.premium-label{flex:1}.premium-amount{font-weight:600;font-size:1.1rem}.annual-impact{background:rgba(255,255,255,.05);padding:20px;border-radius:12px;text-align:center;margin-top:20px}.annual-impact h4{margin-bottom:10px;font-size:1.2rem}.annual-amount{font-size:2rem;font-weight:800;margin:10px 0}.info-boxes{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:20px;margin-top:30px}.info-box{padding:25px;border-radius:15px;border-left:5px solid}.info-box.income-tips{background:linear-gradient(135deg,#a8edea 0,#fed6e3 100%);border-left-color:#667eea;color:#2c3e50}.info-box.appeal-info{background:linear-gradient(135deg,#ffeaa7 0,#fab1a0 100%);border-left-color:#e17055;color:#2d3436}.info-box h4{margin-bottom:15px;font-weight:600;font-size:1.2rem}.info-box p{line-height:1.6;font-size:.95rem;margin-bottom:10px}.info-box ul{margin-left:20px;margin-top:10px}.info-box li{margin:5px 0;line-height:1.4}.income-table{background:#fff;border-radius:15px;padding:25px;margin-top:30px;box-shadow:0 10px 20px rgba(0,0,0,.1)}.income-table h4{color:#2c3e50;margin-bottom:20px;font-size:1.3rem;text-align:center}.table-responsive{overflow-x:auto}table{width:100%;border-collapse:collapse;font-size:.9rem}th,td{padding:12px;text-align:left;border-bottom:1px solid #e0e6ed}th{background:linear-gradient(135deg,#667eea 0,#764ba2 100%);color:#fff;font-weight:600}tr:hover{background:#f8f9fa}.current-tier{background:linear-gradient(135deg,#fff3cd 0,#ffeaa7 100%);font-weight:600}.help-text{font-size:.85rem;color:#7f8c8d;margin-top:5px;font-style:italic}.disclaimer{background:#f8f9fa;padding:20px;border-radius:12px;margin-top:25px;border-left:5px solid #667eea;color:#495057}.disclaimer h4{margin-bottom:10px;color:#2c3e50}@media(max-width:768px){.container{padding:25px;margin:10px}.header h1{font-size:1.8rem}.income-inputs{grid-template-columns:1fr}.filing-status{grid-template-columns:1fr}.premium-row{flex-direction:column;text-align:center;gap:5px}.annual-amount{font-size:1.5rem}.info-boxes{grid-template-columns:1fr}}