:root {
            --bg: #0a0a0f;
            --surface: #12121a;
            --surface-light: #1a1a24;
            --primary: #00d4aa;
            --accent: #0099ff;
            --text: #e6e6ff;
            --text-muted: #a0a0c0;
            --border: #2a2a35;
            --success: #00d4aa;
            --warning: #ffaa00;
            --error: #ff5566;
            --shadow: rgba(0, 0, 0, 0.5);
        }

        * {
            margin: 0;
            padding: 0;
            box-sizing: border-box;
        }

        body {
            font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
            background: var(--bg);
            color: var(--text);
            line-height: 1.6;
            min-height: 100vh;
        }

        .container {
            max-width: 1600px;
            margin: 0 auto;
            padding: 20px;
        }

        header {
            text-align: center;
            padding: 40px 0;
            border-bottom: 1px solid var(--border);
            margin-bottom: 40px;
        }

        h1 {
            font-size: 2.5rem;
            color: var(--primary);
            margin-bottom: 10px;
        }

        .subtitle {
            color: var(--text-muted);
            font-size: 1.1rem;
        }

        .main-layout {
            display: grid;
            grid-template-columns: 1fr 2fr;
            gap: 30px;
            margin-bottom: 40px;
        }

        .panel {
            background: var(--surface);
            border: 1px solid var(--border);
            border-radius: 12px;
            padding: 25px;
        }

        .panel h2 {
            color: var(--primary);
            margin-bottom: 20px;
            font-size: 1.5rem;
        }

        .form-group {
            margin-bottom: 20px;
        }

        label {
            display: block;
            margin-bottom: 8px;
            color: var(--text-muted);
            font-weight: 500;
        }

        input, select {
            width: 100%;
            padding: 12px 15px;
            background: var(--surface-light);
            border: 1px solid var(--border);
            border-radius: 8px;
            color: var(--text);
            font-size: 1rem;
            transition: border-color 0.3s;
        }

        input:focus, select:focus {
            outline: none;
            border-color: var(--primary);
            box-shadow: 0 0 0 2px rgba(0, 212, 170, 0.2);
        }

        .radio-group, .checkbox-group {
            display: flex;
            gap: 20px;
            margin-top: 8px;
            flex-wrap: wrap;
        }

        .radio-option, .checkbox-option {
            display: flex;
            align-items: center;
            gap: 8px;
        }

        input[type="radio"], input[type="checkbox"] {
            width: auto;
            margin: 0;
        }

        button {
            background: var(--primary);
            color: var(--bg);
            border: none;
            padding: 12px 24px;
            border-radius: 8px;
            font-size: 1rem;
            font-weight: 600;
            cursor: pointer;
            transition: all 0.3s;
        }

        button:hover {
            background: #00b894;
            transform: translateY(-1px);
        }

        button:active {
            transform: translateY(0);
        }

        button.secondary {
            background: var(--surface-light);
            color: var(--text);
            border: 1px solid var(--border);
        }

        button.secondary:hover {
            background: var(--border);
        }

        .button-group {
            display: flex;
            gap: 15px;
            margin-top: 25px;
            flex-wrap: wrap;
        }

        .comparison-container {
            margin-top: 30px;
        }

        .comparison-table {
            width: 100%;
            border-collapse: collapse;
            background: var(--surface);
            border-radius: 12px;
            overflow: hidden;
            margin-bottom: 30px;
        }

        .comparison-table th {
            background: var(--surface-light);
            padding: 15px;
            text-align: center;
            font-weight: 600;
            color: var(--primary);
            border-bottom: 1px solid var(--border);
        }

        .comparison-table td {
            padding: 15px;
            text-align: center;
            border-bottom: 1px solid var(--border);
        }

        .comparison-table tr:hover {
            background: rgba(0, 212, 170, 0.05);
        }

        .risk-indicator {
            display: inline-block;
            padding: 4px 12px;
            border-radius: 20px;
            font-size: 0.85rem;
            font-weight: 600;
        }

        .risk-low {
            background: rgba(0, 212, 170, 0.2);
            color: var(--success);
        }

        .risk-medium {
            background: rgba(255, 170, 0, 0.2);
            color: var(--warning);
        }

        .risk-high {
            background: rgba(255, 85, 100, 0.2);
            color: var(--error);
        }

        .risk-reject {
            background: rgba(139, 0, 0, 0.3);
            color: #ff8a8a;
        }

        .compliance-badge {
            font-size: 0.9rem;
            font-weight: 600;
            padding: 5px 15px;
            border-radius: 20px;
            display: inline-block;
        }

        .compliant {
            background: rgba(0, 212, 170, 0.2);
            color: var(--success);
        }

        .non-compliant {
            background: rgba(255, 85, 100, 0.2);
            color: var(--error);
        }

        .fee-section {
            background: var(--surface-light);
            border-radius: 12px;
            padding: 20px;
            margin-top: 20px;
        }

        .fee-section h3 {
            color: var(--primary);
            margin-bottom: 15px;
        }

        .option-header {
            background: var(--primary);
            color: var(--bg);
            padding: 15px;
            border-radius: 12px 12px 0 0;
            font-weight: 600;
            font-size: 1.2rem;
        }

        .option-content {
            background: var(--surface);
            border: 1px solid var(--border);
            border-top: none;
            border-radius: 0 0 12px 12px;
            padding: 25px;
        }

        .monthly-schedule {
            max-height: 400px;
            overflow-y: auto;
            border: 1px solid var(--border);
            border-radius: 8px;
            margin-top: 20px;
        }

        .monthly-table {
            width: 100%;
            border-collapse: collapse;
            font-size: 0.85rem;
        }

        .monthly-table th {
            background: var(--surface-light);
            padding: 10px 8px;
            text-align: center;
            font-weight: 600;
            color: var(--text-muted);
            position: sticky;
            top: 0;
        }

        .monthly-table td {
            padding: 8px;
            text-align: center;
            border-bottom: 1px solid var(--border);
        }

        .summary-cards {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
            gap: 20px;
            margin-bottom: 30px;
        }

        .summary-card {
            background: var(--surface-light);
            padding: 20px;
            border-radius: 12px;
            text-align: center;
            border: 1px solid var(--border);
        }

        .summary-card .value {
            font-size: 1.8rem;
            font-weight: 700;
            color: var(--primary);
            margin-bottom: 5px;
        }

        .summary-card .label {
            color: var(--text-muted);
            font-size: 0.9rem;
        }

        .recommendation-box {
            background: rgba(0, 212, 170, 0.1);
            border-left: 4px solid var(--primary);
            padding: 20px;
            margin-top: 20px;
            border-radius: 0 8px 8px 0;
        }

        .hidden {
            display: none;
        }

        @media (max-width: 768px) {
            .main-layout {
                grid-template-columns: 1fr;
            }
            
            h1 {
                font-size: 2rem;
            }
            
            .container {
                padding: 15px;
            }
        }

        .section-divider {
            height: 1px;
            background: linear-gradient(90deg, transparent, var(--border), transparent);
            margin: 30px 0;
        }

        .info-text {
            font-size: 0.85rem;
            color: var(--text-muted);
            margin-top: 5px;
            font-style: italic;
        }

        .input-group {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 20px;
        }

        @media (max-width: 768px) {
            .input-group {
                grid-template-columns: 1fr;
            }
        }