.ric-wrap {
    --ric-navy: #17365d;
    --ric-green: #147d58;
    --ric-text: #273444;
    --ric-muted: #64748b;
    --ric-border: #e2e8f0;
    --ric-bg: #f5f7fa;
    max-width: 1180px;
    margin: 24px auto;
    color: var(--ric-text);
    font-family: inherit;
    font-size: 16px;
    line-height: 1.55;
}
.ric-wrap * { box-sizing: border-box; }
.ric-intro { max-width: 800px; margin: 0 auto 28px; text-align: center; }
.ric-eyebrow { color: var(--ric-green); font-size: 12px; font-weight: 800; letter-spacing: .12em; }
.ric-intro h2 { margin: 8px 0 12px; color: var(--ric-navy); font-size: clamp(28px, 4vw, 40px); line-height: 1.15; }
.ric-intro p { margin: 0 auto; max-width: 740px; color: var(--ric-muted); font-size: 16px; }
.ric-layout { display: grid; grid-template-columns: minmax(0, .95fr) minmax(0, 1.05fr); gap: 22px; align-items: start; }
.ric-panel { min-width: 0; padding: 26px; background: #fff; border: 1px solid var(--ric-border); border-radius: 18px; box-shadow: 0 8px 28px rgba(23, 54, 93, .06); }
.ric-panel-heading, .ric-chart-heading { display: flex; justify-content: space-between; align-items: flex-start; gap: 16px; }
.ric-panel-heading h3, .ric-chart-heading h3, .ric-explainer h3 { margin: 0; color: var(--ric-navy); font-size: 21px; line-height: 1.3; }
.ric-panel-heading p, .ric-chart-heading p { margin: 5px 0 0; color: var(--ric-muted); font-size: 13px; }
.ric-reset { border: 1px solid var(--ric-border); border-radius: 8px; background: #fff; padding: 8px 12px; color: var(--ric-navy); font: inherit; font-size: 13px; cursor: pointer; }
.ric-fields { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px 14px; margin-top: 24px; }
.ric-field { display: flex; flex-direction: column; gap: 6px; min-width: 0; }
.ric-field > span { color: #334155; font-size: 13px; font-weight: 700; }
.ric-field input { width: 100%; min-width: 0; height: 46px; padding: 10px 12px; border: 1px solid #cbd5e1; border-radius: 9px; background: #fff; color: #172033; font: inherit; font-size: 16px; }
.ric-field input:focus { outline: 3px solid rgba(20, 125, 88, .15); border-color: var(--ric-green); }
.ric-field small { color: var(--ric-muted); font-size: 11px; line-height: 1.35; }
.ric-form-actions { margin-top: 24px; }
.ric-calculate { display: flex; align-items: center; justify-content: center; gap: 10px; width: 100%; min-height: 49px; padding: 12px 18px; border: 0; border-radius: 10px; background: var(--ric-navy); color: #fff; font: inherit; font-size: 15px; font-weight: 750; cursor: pointer; transition: background .2s ease, transform .2s ease; }
.ric-calculate:hover { background: #214a7a; }
.ric-calculate:active { transform: translateY(1px); }
.ric-error { min-height: 0; margin: 10px 0 0; color: #b42318; font-size: 13px; }
.ric-error:empty { display: none; }
.ric-results { background: linear-gradient(180deg, #fff 0%, #fbfdff 100%); }
.ric-result-label { color: var(--ric-muted); font-size: 14px; font-weight: 650; }
.ric-main-number { margin-top: 3px; color: var(--ric-green); font-size: clamp(34px, 4vw, 46px); font-weight: 800; letter-spacing: -.04em; line-height: 1.2; overflow-wrap: anywhere; }
.ric-result-sub { margin-top: 7px; color: var(--ric-muted); font-size: 12px; }
.ric-result-cards { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; margin: 22px 0 28px; }
.ric-stat { min-width: 0; padding: 15px; border: 1px solid var(--ric-border); border-radius: 12px; background: #fff; }
.ric-stat span { display: block; color: var(--ric-muted); font-size: 12px; line-height: 1.4; }
.ric-stat strong { display: block; margin-top: 7px; color: var(--ric-navy); font-size: clamp(18px, 2vw, 22px); line-height: 1.2; overflow-wrap: anywhere; }
.ric-stat-wide { grid-column: 1 / -1; }
.ric-chart-heading { margin-bottom: 12px; }
.ric-chart-box { position: relative; height: 290px; width: 100%; }
.ric-legend { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 12px; color: var(--ric-muted); font-size: 12px; }
.ric-legend span { display: inline-flex; align-items: center; gap: 7px; }
.ric-dot { display: inline-block; width: 9px; height: 9px; border-radius: 50%; }
.ric-dot-balance { background: #147d58; }
.ric-dot-contributions { background: #315c9b; }
.ric-result-note { margin: 18px 0 0; padding-top: 15px; border-top: 1px solid var(--ric-border); color: var(--ric-muted); font-size: 11px; line-height: 1.5; }
.ric-explainer { margin: 24px 0 0; padding: 26px; border: 1px solid var(--ric-border); border-radius: 16px; background: var(--ric-bg); }
.ric-explainer h3 { margin-bottom: 12px; }
.ric-explainer p { margin: 10px 0 0; color: #475569; font-size: 14px; }
.ric-explainer a { color: var(--ric-navy); text-decoration: underline; text-underline-offset: 3px; }
@media (max-width: 900px) {
    .ric-layout { grid-template-columns: 1fr; }
    .ric-panel { padding: 22px; }
    .ric-chart-box { height: 280px; }
}
@media (max-width: 520px) {
    .ric-wrap { margin: 16px auto; }
    .ric-intro { margin-bottom: 20px; padding: 0 3px; text-align: left; }
    .ric-intro h2 { font-size: 29px; }
    .ric-intro p { font-size: 14px; }
    .ric-panel { padding: 17px; border-radius: 14px; }
    .ric-panel-heading h3, .ric-chart-heading h3, .ric-explainer h3 { font-size: 19px; }
    .ric-fields { grid-template-columns: 1fr; gap: 14px; margin-top: 20px; }
    .ric-field small { font-size: 12px; }
    .ric-result-cards { gap: 9px; }
    .ric-stat { padding: 12px; }
    .ric-stat span { font-size: 11px; }
    .ric-stat strong { font-size: 18px; }
    .ric-chart-box { height: 245px; }
    .ric-explainer { padding: 18px; }
}