.calculator-container{width:min(100%,900px)}
.calculator-tabs{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-bottom:20px;padding:8px;border-radius:18px;background:#e2e8f0}
.tab-button{min-height:48px;display:flex;align-items:center;justify-content:center;gap:8px;padding:10px 12px;border:0;border-radius:13px;background:transparent;color:#64748b;font-family:inherit;font-weight:800;cursor:pointer}
.tab-button svg{width:18px;height:18px}.tab-button.active{background:#fff;color:#0f172a;box-shadow:0 8px 20px rgba(15,23,42,.08)}
.calculator-panel{display:none;padding:24px;text-align:left;border-radius:24px;background:#fff;border:1px solid var(--line);box-shadow:0 15px 40px rgba(15,23,42,.07)}.calculator-panel.active{display:block}
.panel-heading{display:flex;align-items:center;gap:14px;margin-bottom:22px}.panel-heading h2{margin:0 0 5px;font-size:1.35rem}.panel-heading p{margin:0;color:var(--muted);font-size:.86rem}
.panel-icon{width:54px;height:54px;display:grid;place-items:center;flex:0 0 auto;border-radius:17px}.life-icon{color:#1d4ed8;background:#dbeafe}.critical-icon{color:#dc2626;background:#fee2e2}.health-icon{color:#0284c7;background:#e0f2fe}
.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}
.form-grid label{display:block}.form-grid label>span{display:block;margin-bottom:8px;color:#334155;font-size:.82rem;font-weight:700}
.input-wrap{min-height:50px;display:flex;align-items:center;gap:8px;padding:0 14px;border:1px solid #cbd5e1;border-radius:14px;background:#f8fafc}.input-wrap:focus-within{border-color:#2563eb;box-shadow:0 0 0 3px rgba(37,99,235,.1)}
.input-wrap span{color:#64748b;font-size:.82rem;font-weight:700}.input-wrap input{width:100%;border:0;outline:0;background:transparent;color:#0f172a;font:inherit;font-weight:700}
.calculate-button{width:100%;min-height:54px;margin-top:20px;display:flex;align-items:center;justify-content:center;gap:9px;border:0;border-radius:16px;color:#fff;background:linear-gradient(135deg,#0f172a,#2563eb);font-family:inherit;font-weight:800;cursor:pointer}
.result-card{margin-top:16px;padding:20px;text-align:center;border-radius:18px;background:#eff6ff;border:1px solid #bfdbfe}.result-card span,.result-card strong,.result-card small{display:block}.result-card span{color:#475569;font-size:.8rem}.result-card strong{margin:8px 0 5px;color:#1d4ed8;font-size:clamp(1.8rem,6vw,2.7rem);letter-spacing:-.04em}.result-card small{color:#64748b;font-size:.75rem}
.calculator-note{margin-top:18px;display:flex;gap:10px;padding:15px;border-radius:16px;text-align:left;background:#fff7ed;border:1px solid #fed7aa}.calculator-note svg{width:20px;height:20px;flex:0 0 auto;color:#ea580c}.calculator-note p{margin:0;color:#9a3412;font-size:.78rem;line-height:1.6}
.consult-button{width:100%;min-height:54px;margin-top:16px;display:flex;align-items:center;justify-content:center;gap:10px;border:0;border-radius:16px;background:#0f172a;color:#fff;font-family:inherit;font-weight:800;cursor:pointer}.whatsapp-button{background:linear-gradient(135deg,#128c7e,#25d366);box-shadow:0 14px 30px rgba(37,211,102,.22)}.whatsapp-button:hover{transform:translateY(-2px)}
@media(max-width:700px){.calculator-tabs{grid-template-columns:1fr}.form-grid{grid-template-columns:1fr}.calculator-panel{padding:18px}.tab-button{justify-content:flex-start}}

.select-wrap{min-height:50px;display:flex;align-items:center;padding:0 12px;border:1px solid #cbd5e1;border-radius:14px;background:#f8fafc}
.select-wrap select{width:100%;border:0;outline:0;background:transparent;color:#0f172a;font:inherit;font-weight:700}
.readonly-field{min-height:50px;display:flex;align-items:center;padding:0 14px;border:1px solid #cbd5e1;border-radius:14px;background:#eef6ff;color:#0b3c5d;font-weight:800}
.life-summary-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;margin-top:14px}
.life-summary-grid div{padding:14px;text-align:center;border-radius:15px;background:#f8fafc;border:1px solid #e2e8f0}
.life-summary-grid span,.life-summary-grid strong{display:block}
.life-summary-grid span{margin-bottom:6px;color:#64748b;font-size:.72rem}
.life-summary-grid strong{color:#0f172a;font-size:.9rem}
.formula-display{margin-top:14px;padding:15px;text-align:center;border-radius:16px;background:#f8fafc;border:1px solid #dce7f2}
.formula-display span,.formula-display strong{display:block}
.formula-display span{color:#64748b;font-size:.75rem}
.formula-display strong{margin-top:6px;color:#0b3c5d}
@media(max-width:520px){.life-summary-grid{grid-template-columns:1fr}}

.assumption-box{display:flex;gap:10px;margin-top:16px;padding:14px;border-radius:15px;background:#fff7ed;border:1px solid #fed7aa}
.assumption-box svg{width:19px;height:19px;flex:0 0 auto;color:#ea580c}
.assumption-box p{margin:0;color:#9a3412;font-size:.78rem;line-height:1.6}
.status-banner{margin-top:14px;padding:13px 15px;text-align:center;border-radius:14px;font-size:.8rem;font-weight:700}
.status-gap{color:#b91c1c;background:#fee2e2;border:1px solid #fecaca}
.status-warning{color:#a16207;background:#fef3c7;border:1px solid #fde68a}
.status-good{color:#166534;background:#dcfce7;border:1px solid #bbf7d0}

.analysis-card{
  margin-top:14px;
  padding:18px;
  text-align:left;
  border-radius:18px;
  background:linear-gradient(145deg,#f8fbff,#eef6ff);
  border:1px solid #bfdbfe;
}
.analysis-heading{
  display:flex;
  align-items:flex-start;
  gap:12px;
}
.analysis-heading>div{
  min-width:0;
}
.analysis-heading span,
.analysis-heading strong{
  display:block;
}
.analysis-heading>div>span{
  color:#64748b;
  font-size:.72rem;
  font-weight:700;
  letter-spacing:.04em;
}
.analysis-heading>div>strong{
  margin-top:4px;
  color:#0f172a;
  font-size:.96rem;
  line-height:1.45;
}
.analysis-icon{
  width:38px;
  height:38px;
  flex:0 0 auto;
  display:grid;
  place-items:center;
  border-radius:12px;
  color:#1d4ed8;
  background:#dbeafe;
}
.analysis-icon svg{
  width:19px;
  height:19px;
}
.critical-analysis-icon{
  color:#dc2626;
  background:#fee2e2;
}
.analysis-card p{
  margin:13px 0 0;
  color:#475569;
  font-size:.84rem;
  line-height:1.75;
}

.analysis-heading{
  align-items:center;
}
.analysis-icon{
  width:40px;
  height:40px;
  border-radius:13px;
  margin-top:0;
}
.analysis-icon svg{
  width:20px;
  height:20px;
  stroke-width:2.1;
}
.analysis-heading>div{
  display:flex;
  flex-direction:column;
  justify-content:center;
}
.analysis-heading>div>span{
  line-height:1.2;
}
.analysis-heading>div>strong{
  line-height:1.35;
}
.analysis-text{
  margin-top:14px;
}
.analysis-text p{
  margin:0 0 12px;
  color:#334155;
  font-size:.84rem;
  line-height:1.75;
}
.analysis-text p:last-child{
  margin-bottom:0;
}
.analysis-text strong{
  color:#0f172a;
}
@media(max-width:520px){
  .analysis-heading{
    align-items:flex-start;
  }
  .analysis-icon{
    width:38px;
    height:38px;
    flex-basis:38px;
  }
}

.analysis-heading{display:block}
.analysis-heading>div{width:100%}
.analysis-icon,.critical-analysis-icon{display:none!important}

.education-icon{color:#c2410c;background:#ffedd5}
.text-input-wrap input{font-weight:700}
@media(min-width:701px){
  .calculator-tabs{grid-template-columns:repeat(4,1fr)}
}

.field-help{display:block;margin-top:7px;color:#64748b;font-size:.72rem;line-height:1.5}
.hidden{display:none!important}
.education-pension-warning{margin-top:14px;padding:14px;border-radius:15px;background:#fff7ed;border:1px solid #fed7aa;color:#9a3412;font-size:.78rem;line-height:1.6}

.questionnaire-section{margin-top:18px;padding:18px;border-radius:20px;background:#f8fbff;border:1px solid #e2e8f0}
.questionnaire-title{display:flex;align-items:flex-start;gap:12px;margin-bottom:16px}
.questionnaire-title>span{width:34px;height:34px;display:grid;place-items:center;flex:0 0 auto;border-radius:11px;background:#dbeafe;color:#1d4ed8;font-weight:900}
.questionnaire-title h3{margin:0;color:#0f172a;font-size:1rem}
.questionnaire-title p{margin:4px 0 0;color:#64748b;font-size:.78rem;line-height:1.5}
.conditional-box{margin-top:14px;padding:14px;border-radius:16px;background:#fff;border:1px solid #dbe7f2}
.health-textarea-box{display:block;margin-top:14px}
.health-textarea-box>span{display:block;margin-bottom:8px;color:#334155;font-size:.82rem;font-weight:700}
.health-textarea-box textarea{width:100%;padding:13px 14px;border:1px solid #cbd5e1;border-radius:14px;background:#fff;font:inherit;resize:vertical}
.health-status-card{margin-top:16px;padding:20px;text-align:center;border-radius:18px}
.health-status-card span,.health-status-card strong,.health-status-card p{display:block}
.health-status-card span{font-size:.72rem;font-weight:800;text-transform:uppercase;letter-spacing:.08em}
.health-status-card strong{margin-top:7px;font-size:1.5rem}
.health-status-card p{margin:8px 0 0;font-size:.82rem;line-height:1.6}
.health-status-card.status-danger{background:#fee2e2;color:#b91c1c;border:1px solid #fecaca}
.health-status-card.status-warning{background:#fef3c7;color:#a16207;border:1px solid #fde68a}
.health-status-card.status-good{background:#dcfce7;color:#166534;border:1px solid #bbf7d0}
.health-summary-list{display:grid;gap:0}
.health-summary-list>div{display:flex;justify-content:space-between;gap:16px;padding:12px 0;border-bottom:1px solid #e2e8f0}
.health-summary-list>div:last-child{border-bottom:0}
.health-summary-list span{color:#64748b;font-size:.78rem}
.health-summary-list strong{text-align:right;color:#0f172a;font-size:.8rem}

.health-important-note{
  margin-top:14px;
  padding:16px;
  text-align:left;
  border-radius:16px;
  background:#fff7ed;
  border:1px solid #fed7aa;
}
.health-important-note-title{
  display:flex;
  align-items:center;
  gap:9px;
  color:#9a3412;
}
.health-important-note-title svg{
  width:19px;
  height:19px;
  flex:0 0 auto;
}
.health-important-note p{
  margin:9px 0 0;
  color:#9a3412;
  font-size:.79rem;
  line-height:1.65;
}

.retirement-icon{color:#0f766e;background:#ccfbf1}
.retirement-result-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;margin-top:14px}
.retirement-result-grid>div{padding:14px;text-align:center;border-radius:15px;background:#f8fafc;border:1px solid #e2e8f0}
.retirement-result-grid span,.retirement-result-grid strong{display:block}
.retirement-result-grid span{margin-bottom:6px;color:#64748b;font-size:.72rem}
.retirement-result-grid strong{color:#0f172a;font-size:.88rem}
.retirement-readiness-card{margin-top:14px;padding:18px;text-align:center;border-radius:18px;background:#ecfdf5;border:1px solid #a7f3d0}
.retirement-readiness-card>span{display:block;color:#047857;font-size:.76rem;font-weight:800}
.retirement-readiness-card>div{margin-top:6px;color:#065f46}
.retirement-readiness-card>div strong{font-size:2.4rem}
.retirement-readiness-card>div small{font-size:1rem;font-weight:800}
.retirement-readiness-card p{margin:6px 0 0;color:#047857;font-weight:900}
@media(min-width:701px){.calculator-tabs{grid-template-columns:repeat(5,1fr)}}
@media(max-width:700px){.retirement-result-grid{grid-template-columns:1fr}}

.spouse-fields{
  grid-column:1/-1;
  display:grid;
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:16px;
  padding:16px;
  border-radius:16px;
  background:#f8fafc;
  border:1px solid #e2e8f0;
}
@media(max-width:700px){
  .spouse-fields{
    grid-template-columns:1fr;
  }
}

.module-action-row{
  display:grid;
  grid-template-columns:minmax(0,1.45fr) minmax(170px,.75fr);
  gap:12px;
  margin-top:20px;
}
.module-action-row .calculate-button,
.module-action-row .export-pdf-button{
  margin-top:0;
}
.export-pdf-button{
  min-height:54px;
  display:flex;
  align-items:center;
  justify-content:center;
  gap:9px;
  padding:12px 16px;
  border:1px solid #cbd5e1;
  border-radius:16px;
  background:#fff;
  color:#0f172a;
  font-family:inherit;
  font-weight:800;
  cursor:pointer;
  box-shadow:0 8px 20px rgba(15,23,42,.06);
}
.export-pdf-button:hover{
  transform:translateY(-2px);
  border-color:#2563eb;
}
.export-pdf-button svg{
  width:18px;
  height:18px;
}
.health-export-row{
  grid-template-columns:1fr;
  margin-top:16px;
}
.full-export-button{
  width:100%;
}
@media(max-width:700px){
  .module-action-row{
    grid-template-columns:1fr;
  }
}

.field-invalid .input-wrap,
.field-invalid .select-wrap,
.field-invalid textarea{
  border-color:#dc2626!important;
  box-shadow:0 0 0 3px rgba(220,38,38,.10)!important;
  background:#fff7f7!important;
}
.field-error-message{
  display:block;
  margin-top:6px;
  color:#dc2626;
  font-size:.72rem;
  font-weight:700;
}
.validation-summary{
  margin:0 0 16px;
  padding:14px 16px;
  border-radius:16px;
  background:#fee2e2;
  border:1px solid #fecaca;
  color:#991b1b;
  text-align:left;
}
.validation-summary strong{display:block;margin-bottom:7px}
.validation-summary ul{margin:0;padding-left:18px;line-height:1.6;font-size:.8rem}

.emergency-icon{
  color:#a16207;
  background:#fef3c7;
}
@media(min-width:701px){
  .calculator-tabs{
    grid-template-columns:repeat(6,1fr);
  }
}

.calculator-tab-groups{display:grid;gap:14px;margin-bottom:18px}
.calculator-tab-group{padding:12px;border-radius:20px;border:1px solid #dbe3ee}
.protection-tab-group{background:#eef4ff}
.planning-tab-group{background:#ecfdf5}
.calculator-tab-group-title{display:block;margin:0 0 9px 4px;color:#475569;font-size:.72rem;font-weight:900;letter-spacing:.08em;text-transform:uppercase}
.calculator-tab-group .calculator-tabs{display:grid!important;grid-template-columns:repeat(3,minmax(0,1fr))!important;gap:8px;padding:0!important;margin:0!important;background:transparent!important}
.calculator-tab-group .tab-button{min-height:58px;padding:9px 8px;border-radius:14px}
@media(max-width:700px){
  .calculator-tab-groups{gap:10px}
  .calculator-tab-group{padding:8px;border-radius:16px}
  .calculator-tab-group .calculator-tabs{grid-template-columns:repeat(3,minmax(0,1fr))!important;gap:6px}
  .calculator-tab-group .tab-button{min-height:66px;padding:7px 4px;font-size:.66rem;line-height:1.2}
  .calculator-tab-group .tab-button svg{width:16px;height:16px}
}

/* MOBILE SAFE OPTIMIZATION - SIMULASI */
.calculator-panel,
.questionnaire-section,
.analysis-card,
.result-card,
.status-banner,
.assumption-box{
  max-width:100%;
}

.form-grid > *,
.spouse-fields > *{
  min-width:0;
}

@media(max-width:700px){
  .calculator-shell{
    width:100%;
    max-width:100%;
  }

  .calculator-panel{
    width:100%;
    padding:16px;
    border-radius:20px;
  }

  .calculator-tab-groups{
    gap:10px;
  }

  .calculator-tab-group{
    padding:8px;
    border-radius:16px;
  }

  .calculator-tab-group .calculator-tabs{
    display:grid;
    grid-template-columns:repeat(3,minmax(0,1fr));
    gap:6px;
  }

  .calculator-tab-group .tab-button{
    min-width:0;
    min-height:68px;
    padding:7px 3px;
    white-space:normal;
    text-align:center;
    font-size:.67rem;
    line-height:1.18;
  }

  .calculator-tab-group .tab-button svg{
    width:17px;
    height:17px;
  }

  .form-grid,
  .spouse-fields{
    grid-template-columns:1fr;
    gap:13px;
  }

  .input-wrap,
  .select-wrap,
  .readonly-field{
    width:100%;
    min-height:50px;
  }

  .input-wrap input,
  .select-wrap select,
  textarea{
    min-width:0;
    width:100%;
    font-size:16px;
  }

  .module-action-row{
    grid-template-columns:1fr;
    gap:9px;
  }

  .calculate-button,
  .export-pdf-button{
    width:100%;
    min-height:52px;
  }

  .life-summary-grid,
  .retirement-result-grid{
    grid-template-columns:repeat(2,minmax(0,1fr));
    gap:8px;
  }

  .life-summary-grid > div,
  .retirement-result-grid > div{
    min-width:0;
    padding:12px 8px;
  }

  .result-card strong{
    font-size:clamp(1.5rem,7vw,2.1rem);
    overflow-wrap:anywhere;
  }

  .analysis-text{
    font-size:.83rem;
    line-height:1.65;
  }
}

@media(max-width:350px){
  .calculator-panel{
    padding:13px;
  }

  .calculator-tab-group .tab-button{
    min-height:64px;
    font-size:.59rem;
  }

  .life-summary-grid,
  .retirement-result-grid{
    grid-template-columns:1fr;
  }
}