:root{--bz-n:#102a43;--bz-n2:#173f5f;--bz-g:#00a86b;--bz-g2:#19c37d;--bz-y:#ffd166;--bz-orange:#ff8a3d;--bz-blue:#2f80ed;--bz-purple:#7c5cff;--bz-red:#ef5350;--bz-bg:#f4f8fc;--bz-b:#dce6f0;--bz-m:#60758a}
.bz-upi-v11{max-width:1000px;margin:28px auto;background:var(--bz-bg);border:1px solid var(--bz-b);border-radius:24px;overflow:hidden;box-shadow:0 22px 60px rgba(16,42,67,.14);font-family:Inter,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--bz-n)}
.bz-head{height:62px;background:linear-gradient(90deg,#ffffff,#f8fffc);display:flex;align-items:center;justify-content:space-between;padding:0 24px;border-bottom:1px solid var(--bz-b)}.bz-brand{font-weight:900;font-size:20px;display:flex;gap:8px;align-items:center}.bz-brand span span{color:var(--bz-g)}.bz-mark{background:linear-gradient(135deg,var(--bz-purple),var(--bz-blue));color:#fff;border-radius:8px;padding:6px 7px;font-size:12px}.bz-tool-tag{font-size:10px;font-weight:900;letter-spacing:.1em;color:#087b53;background:linear-gradient(135deg,#e5fff4,#e8f3ff);padding:7px 10px;border-radius:999px}
.bz-hero{padding:38px 28px 32px;background:linear-gradient(135deg,#0b2440 0%,#174d70 48%,#00a86b 100%);position:relative;color:#fff}.bz-kicker{font-weight:900;font-size:12px;letter-spacing:.12em;opacity:.75}.bz-hero h2{font-size:clamp(30px,6vw,52px);line-height:1;margin:7px 0 12px}.bz-hero-lead{max-width:760px;font-size:18px;line-height:1.5;margin:0 0 16px;color:#edf8f4}.bz-hero-pills{display:flex;gap:7px;flex-wrap:wrap}.bz-hero-pills span{background:rgba(255,255,255,.15);border:1px solid rgba(255,255,255,.25);padding:7px 10px;border-radius:999px;font-size:12px;font-weight:800}.bz-source-strip{margin-top:18px;display:inline-block;background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.16);border-radius:10px;padding:9px 11px;font-size:11px}
.bz-mode-nav{background:linear-gradient(180deg,#ffffff,#f7fbff);padding:12px;display:grid;grid-template-columns:repeat(3,1fr);gap:8px;border-bottom:1px solid var(--bz-b)}.bz-mode-nav button{border:0;background:#f2f5f8;border-radius:13px;padding:12px;cursor:pointer;color:#34445a}.bz-mode-nav button b,.bz-mode-nav button small{display:block}.bz-mode-nav button b{font-size:14px}.bz-mode-nav button small{font-size:11px;color:#718197;margin-top:3px}.bz-mode-nav button.active{background:linear-gradient(135deg,var(--bz-purple),var(--bz-blue));color:#fff;box-shadow:0 7px 16px rgba(47,128,237,.22)}.bz-mode-nav button.active small{color:#cbd8e5}
.bz-panel,.bz-answer,.bz-scenario,.bz-facts,.bz-related,.bz-zoho,.bz-faq,.bz-footer{margin:18px}.bz-panel{padding:24px;background:linear-gradient(180deg,#ffffff,#fbfdff);border:1px solid var(--bz-b);border-radius:20px;box-shadow:0 8px 24px rgba(16,42,67,.05)}.bz-progress{height:5px;background:#e9eef3;border-radius:99px;margin-bottom:23px;overflow:hidden}.bz-progress span{display:block;height:100%;background:linear-gradient(90deg,var(--bz-purple),var(--bz-blue),var(--bz-g));width:60%;transition:.25s}.bz-field{margin-bottom:21px}.bz-field label{display:block;font-size:15px;font-weight:900;margin-bottom:9px}.bz-field label em{font-style:normal;font-weight:500;color:var(--bz-m)}.bz-field small{display:block;margin-top:6px;color:var(--bz-m);font-size:11px;line-height:1.4}
.bz-seg{display:grid;gap:9px}.bz-seg.two{grid-template-columns:repeat(2,1fr)}.bz-seg.three{grid-template-columns:repeat(3,1fr)}.bz-seg button{background:#fff;border:2px solid var(--bz-b);padding:13px;border-radius:13px;text-align:left;cursor:pointer}.bz-seg button.selected{border-color:var(--bz-g);background:linear-gradient(135deg,#effff8,#eef7ff);box-shadow:0 0 0 3px rgba(0,168,107,.09),0 7px 16px rgba(16,42,67,.05)}.bz-seg strong,.bz-seg small{display:block}.bz-seg strong{font-size:14px}.bz-seg small{color:var(--bz-m);margin-top:3px;font-size:11px}
.bz-money,.bz-suffix{display:flex;align-items:center;border:2px solid var(--bz-b);border-radius:13px;background:#fff}.bz-money span{padding-left:14px;font-size:20px;font-weight:900}.bz-money input,.bz-suffix input{border:0!important;outline:0!important;width:100%;padding:13px;font-size:21px;font-weight:850;background:transparent}.bz-suffix span{padding-right:14px;font-weight:900}.bz-field select,.bz-field>input{box-sizing:border-box;width:100%;padding:13px;border:2px solid var(--bz-b);border-radius:13px;background:#fff;font-size:15px}.bz-primary{width:100%;border:0;border-radius:13px;background:linear-gradient(135deg,var(--bz-purple) 0%,var(--bz-blue) 48%,var(--bz-g) 100%);color:#fff;padding:16px;font-size:16px;font-weight:900;cursor:pointer;box-shadow:0 10px 22px rgba(7,148,85,.2)}.bz-primary span{float:right}
.bz-answer{padding:25px;background:linear-gradient(145deg,#0b2440 0%,#174d70 55%,#087e5a 100%);color:#fff;border-radius:20px;text-align:center}.bz-answer-top{display:flex;justify-content:space-between;align-items:center}.bz-status{background:linear-gradient(135deg,#ffe082,var(--bz-y));color:#102a43;padding:6px 10px;border-radius:999px;font-size:10px;font-weight:950}.bz-rule-date{font-size:10px;opacity:.6}.bz-answer-title{font-size:16px;margin-top:13px;opacity:.88}.bz-big{font-size:clamp(48px,11vw,78px);line-height:1.02;font-weight:950;margin:5px 0}.bz-answer-sub{font-size:12px;opacity:.65}.bz-metrics{display:grid;grid-template-columns:repeat(4,1fr);gap:8px;margin-top:20px}.bz-metrics div{background:rgba(255,255,255,.08);padding:12px;border-radius:11px;text-align:left}.bz-metrics small{display:block;opacity:.6;font-size:10px}.bz-metrics b{display:block;margin-top:5px;font-size:13px;word-break:break-word}.bz-explain,.bz-impact{margin-top:13px;background:rgba(255,255,255,.08);padding:12px;border-radius:11px;font-size:12px;line-height:1.5}.bz-impact{background:rgba(255,216,61,.1);border:1px solid rgba(255,216,61,.2)}.bz-actions{display:flex;gap:7px;justify-content:center;margin-top:14px}.bz-actions button{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.24);padding:9px 12px;border-radius:9px;font-weight:800;cursor:pointer}
.bz-scenario,.bz-related,.bz-facts,.bz-zoho,.bz-faq,.bz-footer{background:#fff;border:1px solid var(--bz-b);border-radius:20px;padding:20px}.bz-section-head{display:flex;align-items:end;justify-content:space-between;gap:15px;margin-bottom:12px}.bz-section-head span{font-size:10px;font-weight:950;letter-spacing:.12em;color:var(--bz-purple)}.bz-section-head h3{margin:3px 0 0;font-size:19px}.bz-section-head p{font-size:11px;color:var(--bz-m);margin:0}.bz-table-wrap{overflow-x:auto}.bz-scenario table{width:100%;border-collapse:collapse;font-size:13px}.bz-scenario th,.bz-scenario td{padding:10px;border-bottom:1px solid var(--bz-b);text-align:left}.bz-scenario th{background:#f7f9fb}
.bz-facts{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;background:transparent;border:0;padding:0}.bz-facts article{display:flex;gap:11px;padding:15px;background:#fff;border:1px solid var(--bz-b);border-radius:15px}.bz-facts article b,.bz-facts article small{display:block}.bz-facts article small{color:var(--bz-m);font-size:11px;line-height:1.4;margin-top:3px}.icon{width:32px;height:32px;display:grid;place-items:center;border-radius:9px;font-weight:950;flex:0 0 auto}.green{background:#e7f8ef;color:#087b4a}.blue{background:#e9f1ff;color:#245eb4}.yellow{background:#fff6ce;color:#8a6900}.red{background:#ffebeb;color:#b53035}
.bz-related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}.bz-related-grid a{display:block;text-decoration:none;color:var(--bz-n);background:linear-gradient(135deg,#f7fbff,#f1fff8);padding:14px;border-radius:13px;border:1px solid var(--bz-b)}.bz-related-grid b,.bz-related-grid small{display:block}.bz-related-grid small{color:var(--bz-m);font-size:11px;line-height:1.4;margin-top:4px}.bz-zoho{display:flex;align-items:center;justify-content:space-between;gap:15px;background:linear-gradient(135deg,#edfff7,#eef7ff);border-color:#bfe8d3;box-shadow:0 8px 22px rgba(0,168,107,.08)}.bz-zoho-label{font-size:10px;font-weight:950;letter-spacing:.1em;color:var(--bz-g)}.bz-zoho h3{margin:4px 0;font-size:18px}.bz-zoho p{margin:0;color:var(--bz-m);font-size:12px}.bz-zoho a{white-space:nowrap;background:linear-gradient(135deg,#00a86b,#087f59);color:#fff;text-decoration:none;padding:11px 13px;border-radius:10px;font-weight:850;font-size:12px}.bz-faq summary{cursor:pointer;font-weight:850}.bz-faq p{font-size:12px;line-height:1.55;color:var(--bz-m);margin-bottom:0}.bz-footer{font-size:10px;color:#738196;line-height:1.55;background:#f8fafc}
@media(max-width:700px){.bz-upi-v11{margin:12px 0;border-radius:16px}.bz-head{padding:0 15px}.bz-hero{padding:28px 18px}.bz-panel,.bz-answer,.bz-scenario,.bz-related,.bz-zoho,.bz-faq,.bz-footer{margin:12px}.bz-panel{padding:18px}.bz-mode-nav{grid-template-columns:1fr}.bz-seg.two,.bz-seg.three,.bz-facts,.bz-related-grid,.bz-metrics{grid-template-columns:1fr}.bz-metrics{grid-template-columns:repeat(2,1fr)}.bz-zoho{display:block}.bz-zoho a{display:inline-block;margin-top:12px}.bz-actions{flex-direction:column}.bz-actions button{width:100%}}
@media print{body *{visibility:hidden!important}.bz-upi-v11,.bz-upi-v11 *{visibility:visible!important}.bz-upi-v11{position:absolute;left:0;top:0;width:100%;box-shadow:none;border:0}.bz-mode-nav,.bz-panel,.bz-scenario,.bz-facts,.bz-related,.bz-zoho,.bz-faq,.bz-footer{display:none!important}}

/* v1.2 vibrant professional polish */
.bz-facts article:nth-child(1){border-top:3px solid #00a86b}
.bz-facts article:nth-child(2){border-top:3px solid #2f80ed}
.bz-facts article:nth-child(3){border-top:3px solid #ffd166}
.bz-facts article:nth-child(4){border-top:3px solid #ef5350}
.bz-facts article:hover,.bz-related-grid a:hover{transform:translateY(-2px);box-shadow:0 10px 25px rgba(16,42,67,.09);transition:.18s ease}
.bz-upi-v11 input:focus,.bz-upi-v11 select:focus{border-color:#2f80ed!important;box-shadow:0 0 0 4px rgba(47,128,237,.10)}
.bz-upi-v11 ::selection{background:#cfe8ff;color:#102a43}