.wn-coverage-gap-calculator{--wn-bg:#f7f5f0;--wn-surface:#ffffff;--wn-surface-alt:#fdfaf4;--wn-border-color:rgba(74, 48, 7, 0.12);--wn-border-strong:rgba(74, 48, 7, 0.22);--wn-input-bg:#ffffff;--wn-input-border:#d4cec3;--wn-input-focus:#cd9f56;--wn-text-primary:#1e0b03;--wn-text-secondary:#4a3007;--wn-text-tertiary:#6b5a3d;--wn-text-soft:#8a6a3f;--wn-gold-primary:#cd9f56;--wn-gold-hover:#efc476;--wn-gold-dark:#bf8230;--wn-cream:#ffe88b;--wn-good:#2e7d32;--wn-warn:#e67300;--wn-bad:#c62828;--wn-shadow-sm:0 1px 3px rgba(30, 11, 3, 0.08);--wn-shadow-md:0 4px 6px rgba(30, 11, 3, 0.10);--wn-shadow-lg:0 10px 15px rgba(30, 11, 3, 0.12);--wn-font-family:'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;--wn-font-xs:0.64rem;--wn-font-sm:0.8rem;--wn-font-base:1rem;--wn-font-md:1.25rem;--wn-font-lg:1.563rem;--wn-font-xl:1.953rem;--wn-font-xxl:2.441rem;--wn-font-huge:3.052rem;--wn-space-xs:0.25rem;--wn-space-sm:0.5rem;--wn-space-md:1rem;--wn-space-lg:1.5rem;--wn-space-xl:2rem;--wn-space-xxl:3rem;--wn-radius-sm:4px;--wn-radius-md:8px;--wn-radius-lg:12px;--wn-radius-xl:16px;--wn-radius:var(--wn-radius-lg);--wn-transition:all 0.3s ease;font-family:var(--wn-font-family);font-size:var(--wn-font-base);color:var(--wn-text-primary);background:var(--wn-bg);padding:clamp(16px, 3vw, 32px);border-radius:var(--wn-radius);max-width:1280px;margin:0 auto;line-height:1.5;box-sizing:border-box}.wn-coverage-gap-calculator *,.wn-coverage-gap-calculator *::before,.wn-coverage-gap-calculator *::after{box-sizing:border-box}.wn-cov-gap-grid{display:flex;flex-direction:column;gap:var(--wn-space-xl)}.wn-cov-gap-inputs{display:grid;grid-template-columns:minmax(0,1fr);gap:var(--wn-space-md)}.wn-cov-gap-results{display:grid;grid-template-columns:1fr;gap:var(--wn-space-md)}.wn-input-section{background:var(--wn-surface);border:1px solid var(--wn-border-color);border-radius:var(--wn-radius);padding:clamp(16px, 2vw, 22px);box-shadow:var(--wn-shadow-sm)}.wn-section-title{font-family:var(--wn-font-family);font-weight:700;font-size:var(--wn-font-md);color:var(--wn-text-secondary);margin:0 0 var(--wn-space-md);padding-bottom:var(--wn-space-sm);border-bottom:2px solid var(--wn-gold-primary)}.wn-section-intro{font-size:var(--wn-font-sm);color:var(--wn-text-tertiary);margin:var(--wn-space-xs) 0 var(--wn-space-md);font-style:italic}.wn-input-section.wn-section-optional{background:var(--wn-surface-alt);border:1px dashed var(--wn-border-strong);box-shadow:none;padding:0;overflow:hidden}.wn-coverage-gap-calculator .wn-optional-toggle,.wn-coverage-gap-calculator button.wn-optional-toggle{width:100%!important;padding:var(--wn-space-md) clamp(16px, 2vw, 22px)!important;background:transparent!important;background-color:transparent!important;background-image:none!important;border:none!important;border-radius:0!important;font-family:var(--wn-font-family)!important;font-size:var(--wn-font-base)!important;font-weight:600!important;color:var(--wn-text-secondary)!important;cursor:pointer!important;display:flex!important;justify-content:space-between!important;align-items:center!important;gap:var(--wn-space-md)!important;text-align:left!important;text-transform:none!important;letter-spacing:normal!important;line-height:1.4!important;box-shadow:none!important;transition:color 0.2s ease!important}.wn-coverage-gap-calculator .wn-optional-toggle em{font-style:italic;color:var(--wn-text-tertiary);font-weight:500;margin-left:4px}.wn-coverage-gap-calculator .wn-optional-toggle:hover,.wn-coverage-gap-calculator .wn-optional-toggle:focus-visible,.wn-coverage-gap-calculator button.wn-optional-toggle:hover,.wn-coverage-gap-calculator button.wn-optional-toggle:focus-visible{color:var(--wn-gold-primary)!important;background:transparent!important;box-shadow:none!important}.wn-coverage-gap-calculator .wn-optional-toggle .wn-toggle-icon{font-size:var(--wn-font-sm);color:var(--wn-gold-primary);transition:transform 0.25s ease}.wn-coverage-gap-calculator .wn-optional-toggle.is-open .wn-toggle-icon{transform:rotate(180deg)}.wn-coverage-gap-calculator .wn-optional-content{padding:0 clamp(16px, 2vw, 22px) clamp(16px, 2vw, 22px);display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:var(--wn-space-md);align-items:start}.wn-coverage-gap-calculator .wn-optional-content[hidden]{display:none}.wn-coverage-gap-calculator .wn-optional-content>.wn-section-intro{grid-column:1 / -1;margin:0 0 var(--wn-space-xs)}@media (max-width:700px){.wn-coverage-gap-calculator .wn-optional-content{grid-template-columns:1fr}}.wn-input-group{margin-bottom:var(--wn-space-md)}.wn-input-group:last-child{margin-bottom:0}.wn-label{display:flex;justify-content:space-between;align-items:baseline;gap:var(--wn-space-sm);font-weight:500;font-size:var(--wn-font-sm);color:var(--wn-text-secondary);margin-bottom:var(--wn-space-xs)}.wn-input-wrapper{position:relative;display:flex;align-items:center;background:var(--wn-input-bg);border:2px solid var(--wn-input-border);border-radius:var(--wn-radius-md);transition:var(--wn-transition);overflow:hidden}.wn-coverage-gap-calculator .wn-input-wrapper:focus-within{border-color:var(--wn-input-focus);box-shadow:0 0 0 3px rgb(205 159 86 / .15)}.wn-coverage-gap-calculator .wn-input{flex:1!important;width:100%!important;min-width:0!important;padding:var(--wn-space-sm) var(--wn-space-md)!important;border:none!important;background:transparent!important;background-color:transparent!important;background-image:none!important;color:var(--wn-text-primary)!important;font-family:var(--wn-font-family)!important;font-size:var(--wn-font-base)!important;font-weight:500!important;outline:none!important;box-shadow:none!important;transition:none!important}.wn-coverage-gap-calculator .wn-input:focus{outline:none!important;border:none!important;box-shadow:none!important;background:transparent!important}.wn-coverage-gap-calculator select.wn-select{appearance:auto;cursor:pointer}.wn-coverage-gap-calculator input[type="number"],.wn-coverage-gap-calculator input[type="text"],.wn-coverage-gap-calculator select,.wn-coverage-gap-calculator input.wn-input,.wn-coverage-gap-calculator select.wn-input{border:none!important;background:transparent!important;background-color:transparent!important;box-shadow:none!important}.wn-coverage-gap-calculator input[type="number"].wn-input{-moz-appearance:number-input;appearance:auto}.wn-coverage-gap-calculator input[type="number"].wn-input::-webkit-outer-spin-button,.wn-coverage-gap-calculator input[type="number"].wn-input::-webkit-inner-spin-button{-webkit-appearance:auto;appearance:auto;opacity:1;margin:0}.wn-help-text{font-size:var(--wn-font-sm);color:var(--wn-text-tertiary);margin:var(--wn-space-xs) 0 0;line-height:1.4}.wn-actions{display:flex;gap:var(--wn-space-md);margin-top:calc(var(--wn-space-md) * -1 + var(--wn-space-xs))}.wn-coverage-gap-calculator .wn-btn{flex:1!important;padding:var(--wn-space-md) var(--wn-space-lg)!important;font-family:var(--wn-font-family)!important;font-size:var(--wn-font-base)!important;font-weight:600!important;border:none!important;border-radius:var(--wn-radius-md)!important;cursor:pointer!important;transition:var(--wn-transition)!important;text-align:center!important;text-decoration:none!important;display:inline-block!important;letter-spacing:0.01em!important;line-height:1.4!important;box-shadow:none!important;text-transform:none!important}.wn-coverage-gap-calculator .wn-btn-primary,.wn-coverage-gap-calculator button.wn-btn-primary{background:var(--wn-gold-primary)!important;background-color:var(--wn-gold-primary)!important;background-image:none!important;color:#ffffff!important;border:2px solid var(--wn-gold-primary)!important;box-shadow:var(--wn-shadow-sm)!important}.wn-coverage-gap-calculator .wn-btn-primary:hover,.wn-coverage-gap-calculator button.wn-btn-primary:hover,.wn-coverage-gap-calculator .wn-btn-primary:focus-visible,.wn-coverage-gap-calculator button.wn-btn-primary:focus-visible{background:#ffffff!important;background-color:#ffffff!important;color:var(--wn-text-primary)!important;border:2px solid var(--wn-gold-primary)!important;box-shadow:var(--wn-shadow-md)!important;transform:translateY(-1px)!important}.wn-coverage-gap-calculator .wn-btn-secondary,.wn-coverage-gap-calculator button.wn-btn-secondary{background:transparent!important;background-color:transparent!important;color:var(--wn-text-secondary)!important;border:2px solid var(--wn-border-color)!important;box-shadow:none!important}.wn-coverage-gap-calculator .wn-btn-secondary:hover,.wn-coverage-gap-calculator .wn-btn-secondary:focus-visible{border-color:var(--wn-gold-primary)!important;color:var(--wn-gold-primary)!important}.wn-hero-card{background:var(--wn-gold-primary);color:var(--wn-text-primary);border:none;border-radius:var(--wn-radius);padding:clamp(24px, 4vw, 40px) clamp(20px, 3vw, 32px);position:relative;overflow:hidden;box-shadow:var(--wn-shadow-md);text-align:center}.wn-hero-card::before{content:'';position:absolute;top:-50px;right:-50px;width:180px;height:180px;border-radius:50%;background:rgb(255 255 255 / .15);pointer-events:none}.wn-hero-label{font-family:var(--wn-font-family);font-size:var(--wn-font-sm);font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--wn-text-primary);margin-bottom:var(--wn-space-sm);position:relative;z-index:1}.wn-hero-value{font-family:var(--wn-font-family);font-weight:800;font-size:clamp(var(--wn-font-xl), 5.5vw, var(--wn-font-huge));line-height:1.05;color:#fff;margin-bottom:var(--wn-space-sm);letter-spacing:-.02em;word-break:break-word;position:relative;z-index:1;text-shadow:0 2px 8px rgb(30 11 3 / .2)}.wn-hero-sub{font-family:var(--wn-font-family);font-size:var(--wn-font-base);font-weight:700;color:var(--wn-text-primary);position:relative;z-index:1;letter-spacing:.04em}.wn-results-heading{font-family:var(--wn-font-family);font-weight:700;font-size:var(--wn-font-md);color:var(--wn-text-primary);margin:var(--wn-space-md) 0 var(--wn-space-sm);padding-bottom:var(--wn-space-sm);border-bottom:1px solid var(--wn-border-color)}.wn-advanced-heading{color:var(--wn-text-secondary);margin-top:var(--wn-space-lg)}.wn-summary-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:var(--wn-space-md)}.wn-advanced-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:var(--wn-space-md)}.wn-metric-card{background:var(--wn-surface);border:1px solid var(--wn-border-color);border-radius:var(--wn-radius);padding:clamp(14px, 1.5vw, 20px);box-shadow:var(--wn-shadow-sm);transition:box-shadow 0.2s ease}.wn-metric-card:hover{box-shadow:var(--wn-shadow-md)}.wn-advanced-card{background:var(--wn-surface-alt);border-left:3px solid var(--wn-gold-primary)}.wn-metric-label{font-family:var(--wn-font-family);font-size:var(--wn-font-xs);font-weight:600;color:var(--wn-text-tertiary);text-transform:uppercase;letter-spacing:.05em;margin-bottom:var(--wn-space-sm)}.wn-metric-value{font-family:var(--wn-font-family);font-weight:700;font-size:clamp(var(--wn-font-md), 2.2vw, var(--wn-font-lg));color:var(--wn-text-primary);margin-bottom:var(--wn-space-xs);line-height:1.1;letter-spacing:-.01em}.wn-metric-value.wn-positive{color:var(--wn-good)}.wn-metric-sub{font-family:var(--wn-font-family);font-size:var(--wn-font-xs);color:var(--wn-text-tertiary)}.wn-positive{color:var(--wn-good);font-weight:600}.wn-negative{color:var(--wn-bad);font-weight:600}.wn-chart-container{background:var(--wn-surface);border:1px solid var(--wn-border-color);border-radius:var(--wn-radius);padding:var(--wn-space-md);height:360px;box-shadow:var(--wn-shadow-sm);position:relative}@media (max-width:600px){.wn-chart-container{height:280px}}.wn-chart-caption{font-size:var(--wn-font-sm);color:var(--wn-text-tertiary);text-align:center;font-style:italic;margin:var(--wn-space-sm) 0 0}.wn-insights-card{background:var(--wn-surface);border:1px solid var(--wn-border-color);border-radius:var(--wn-radius);padding:var(--wn-space-lg);box-shadow:var(--wn-shadow-sm);display:flex;flex-direction:column;gap:var(--wn-space-md)}.wn-insight-item{padding:var(--wn-space-md);background:var(--wn-surface-alt);border-left:3px solid var(--wn-gold-primary);border-radius:0 var(--wn-radius-sm) var(--wn-radius-sm) 0}.wn-insight-title{font-family:var(--wn-font-family);font-size:var(--wn-font-sm);font-weight:700;color:var(--wn-gold-dark);text-transform:uppercase;letter-spacing:.05em;margin-bottom:var(--wn-space-xs)}.wn-insight-text{font-size:var(--wn-font-base);color:var(--wn-text-secondary);line-height:1.6}.wn-year-table-wrap{background:var(--wn-surface);border:1px solid var(--wn-border-color);border-radius:var(--wn-radius);overflow-x:auto;overflow-y:hidden;box-shadow:var(--wn-shadow-sm)}.wn-year-table{width:100%;min-width:720px;border-collapse:collapse;border-spacing:0;table-layout:fixed;font-size:var(--wn-font-sm);color:var(--wn-text-secondary)}.wn-year-table .wn-col-year{width:60px}.wn-year-table th,.wn-year-table td{padding:var(--wn-space-md);text-align:right;white-space:nowrap;vertical-align:middle;border:none}.wn-year-table th:first-child,.wn-year-table td:first-child{text-align:left}.wn-year-table thead tr{background:var(--wn-surface-alt)}.wn-year-table thead th{background:#fff0;font-size:var(--wn-font-xs);font-weight:700;color:var(--wn-text-tertiary);text-transform:uppercase;letter-spacing:.05em;border:none}.wn-year-table thead{border-bottom:1px solid var(--wn-border-color)}.wn-year-table tbody tr{background:#fff0}.wn-year-table tbody tr:hover{background:rgb(205 159 86 / .05)}.wn-walkthrough{background:var(--wn-surface);border:1px solid var(--wn-border-color);border-radius:var(--wn-radius);overflow:hidden;box-shadow:var(--wn-shadow-sm);margin-top:var(--wn-space-md)}.wn-coverage-gap-calculator .wn-walkthrough-toggle,.wn-coverage-gap-calculator button.wn-walkthrough-toggle{width:100%!important;padding:var(--wn-space-md) var(--wn-space-lg)!important;background:transparent!important;background-color:transparent!important;border:none!important;border-radius:0!important;font-family:var(--wn-font-family)!important;font-size:var(--wn-font-base)!important;font-weight:600!important;color:var(--wn-text-secondary)!important;cursor:pointer!important;display:flex!important;justify-content:space-between!important;align-items:center!important;gap:var(--wn-space-md)!important;text-align:left!important;text-transform:none!important;letter-spacing:normal!important;line-height:1.4!important;box-shadow:none!important;transition:color 0.2s ease!important}.wn-coverage-gap-calculator .wn-walkthrough-toggle em{font-style:italic;color:var(--wn-text-tertiary);font-weight:500;margin-left:4px}.wn-coverage-gap-calculator .wn-walkthrough-toggle:hover,.wn-coverage-gap-calculator .wn-walkthrough-toggle:focus-visible{color:var(--wn-gold-primary)!important;background:transparent!important}.wn-coverage-gap-calculator .wn-walkthrough-toggle.is-open .wn-toggle-icon{transform:rotate(180deg)}.wn-coverage-gap-calculator .wn-walkthrough-toggle .wn-toggle-icon{font-size:var(--wn-font-sm);color:var(--wn-gold-primary);transition:transform 0.25s ease}.wn-coverage-gap-calculator .wn-walkthrough-content{padding:0 var(--wn-space-lg) var(--wn-space-lg)}.wn-coverage-gap-calculator .wn-walkthrough-content[hidden]{display:none}.wn-formula-banner{background:linear-gradient(135deg,var(--wn-surface-alt),#fff7e6);border:1px solid var(--wn-gold-primary);border-radius:var(--wn-radius);padding:var(--wn-space-lg);text-align:center;margin:0 0 var(--wn-space-md)}.wn-formula-banner-label{font-size:var(--wn-font-xs);font-weight:700;color:var(--wn-gold-dark);text-transform:uppercase;letter-spacing:.1em;margin-bottom:var(--wn-space-sm)}.wn-formula-banner-eq{font-family:'Cambria Math','STIX Two Math',Georgia,serif;font-size:clamp(var(--wn-font-md), 3vw, var(--wn-font-xl));font-weight:600;color:var(--wn-text-primary);letter-spacing:.02em;margin-bottom:var(--wn-space-sm)}.wn-formula-banner-key{font-size:var(--wn-font-xs);color:var(--wn-text-tertiary);font-style:italic;line-height:1.5}.wn-walk-table-wrap{overflow-x:auto;border:1px solid var(--wn-border-color);border-radius:var(--wn-radius-md)}.wn-walk-table{width:100%;min-width:900px}.wn-walk-head,.wn-walk-row{display:grid;grid-template-columns:0.4fr 1.5fr 1.6fr 2.2fr 1.2fr;gap:var(--wn-space-md);padding:var(--wn-space-sm) var(--wn-space-md);align-items:center}.wn-walk-head{background:var(--wn-surface-alt);font-size:var(--wn-font-xs);font-weight:700;color:var(--wn-text-tertiary);text-transform:uppercase;letter-spacing:.05em;border-bottom:1px solid var(--wn-border-color)}.wn-walk-row{font-size:var(--wn-font-sm);color:var(--wn-text-secondary);border-bottom:1px solid var(--wn-border-color)}.wn-walk-row:last-child{border-bottom:none}.wn-walk-row:nth-child(even){background:rgb(253 250 244 / .45)}.wn-walk-step{display:inline-flex;align-items:center;justify-content:center;width:28px;height:28px;background:var(--wn-gold-primary);color:#fff;font-weight:700;border-radius:50%;font-size:var(--wn-font-sm)}.wn-walk-what{font-weight:600;color:var(--wn-text-primary);line-height:1.3}.wn-walk-formula code{font-family:'Cambria Math','STIX Two Math','Courier New',monospace;font-size:var(--wn-font-sm);color:var(--wn-text-secondary);background:#fff0;white-space:pre-wrap}.wn-walk-values{font-family:'Cambria Math','STIX Two Math','Courier New',monospace;font-size:var(--wn-font-xs);color:var(--wn-text-tertiary);line-height:1.4}.wn-walk-result{font-size:var(--wn-font-sm);color:var(--wn-gold-dark)}.wn-coverage-gap-calculator .wn-how-it-works{background:var(--wn-surface-alt)!important;border-radius:var(--wn-radius)!important;overflow:hidden!important;margin-top:var(--wn-space-xl)!important;border:1px solid var(--wn-border-color)!important;box-shadow:var(--wn-shadow-sm)!important}.wn-coverage-gap-calculator .wn-how-toggle,.wn-coverage-gap-calculator button.wn-how-toggle{width:100%!important;padding:var(--wn-space-lg)!important;background:transparent!important;background-color:transparent!important;border:none!important;border-radius:0!important;font-family:var(--wn-font-family)!important;font-size:var(--wn-font-md)!important;font-weight:600!important;color:var(--wn-text-secondary)!important;cursor:pointer!important;display:flex!important;justify-content:space-between!important;align-items:center!important;transition:var(--wn-transition)!important;text-align:left!important;text-transform:none!important;letter-spacing:normal!important;line-height:1.4!important;box-shadow:none!important}.wn-coverage-gap-calculator .wn-how-toggle:hover,.wn-coverage-gap-calculator .wn-how-toggle:focus-visible{color:var(--wn-gold-primary)!important;background:transparent!important}.wn-coverage-gap-calculator .wn-toggle-icon{font-size:var(--wn-font-sm)!important;color:var(--wn-gold-primary)!important;transition:var(--wn-transition)!important}.wn-coverage-gap-calculator .wn-how-toggle.is-open .wn-toggle-icon{transform:rotate(180deg)!important}.wn-coverage-gap-calculator .wn-how-content{padding:0 var(--wn-space-lg) var(--wn-space-lg)!important;color:var(--wn-text-secondary)!important;font-size:var(--wn-font-base)!important;line-height:1.65!important}.wn-coverage-gap-calculator .wn-how-intro{margin:0 0 var(--wn-space-md)!important;font-size:var(--wn-font-sm)!important}.wn-coverage-gap-calculator .wn-how-section{margin-bottom:var(--wn-space-lg)!important}.wn-coverage-gap-calculator .wn-how-section:last-child{margin-bottom:0!important}.wn-coverage-gap-calculator .wn-how-section h4{font-family:var(--wn-font-family)!important;font-size:var(--wn-font-base)!important;font-weight:600!important;color:var(--wn-text-primary)!important;margin:0 0 var(--wn-space-sm)!important}.wn-coverage-gap-calculator .wn-how-section p{font-size:var(--wn-font-sm)!important;color:var(--wn-text-secondary)!important;margin:0 0 var(--wn-space-sm)!important;line-height:1.65!important}.wn-coverage-gap-calculator .wn-how-section p:last-child{margin-bottom:0!important}.wn-coverage-gap-calculator .wn-how-section ul{margin:var(--wn-space-sm) 0 0 var(--wn-space-lg)!important;padding:0!important}.wn-coverage-gap-calculator .wn-how-section li{font-size:var(--wn-font-sm)!important;color:var(--wn-text-secondary)!important;margin-bottom:var(--wn-space-xs)!important;line-height:1.6!important}.wn-coverage-gap-calculator .wn-how-section strong{color:var(--wn-text-primary)!important;font-weight:600!important}.wn-coverage-gap-calculator .wn-how-section em{color:var(--wn-gold-dark)!important;font-style:italic!important}.wn-coverage-gap-calculator .wn-verdict-hero{margin-bottom:var(--wn-space-lg)}.wn-coverage-gap-calculator .wn-verdict-hero[data-verdict-kind="well"]{background:linear-gradient(135deg,#2d6a4f 0%,#40916c 100%)}.wn-coverage-gap-calculator .wn-verdict-hero[data-verdict-kind="moderate"]{background:linear-gradient(135deg,#b08947 0%,#cd9f56 100%)}.wn-coverage-gap-calculator .wn-verdict-hero[data-verdict-kind="under"]{background:linear-gradient(135deg,#b76925 0%,#d68a3c 100%)}.wn-coverage-gap-calculator .wn-verdict-hero[data-verdict-kind="critical"]{background:linear-gradient(135deg,#8b2a23 0%,#b03a30 100%)}.wn-coverage-gap-calculator .wn-coverage-table td.wn-status-covered{color:#2d6a4f;font-weight:600}.wn-coverage-gap-calculator .wn-coverage-table td.wn-status-gap{color:#b03a30;font-weight:600}.wn-coverage-gap-calculator .wn-coverage-table .wn-coverage-type{font-weight:600;color:var(--wn-text-primary);text-align:left}.wn-coverage-gap-calculator .wn-metric-value.wn-negative-text{color:#b03a30}