.ibc-card {
	--ibc-bg: #ffffff;
	--ibc-text: #1e293b;
	--ibc-muted: #526173;
	--ibc-border: #d9e2ec;
	--ibc-soft: #f6f9fc;
	--ibc-primary: #176b87;
	--ibc-primary-dark: #0f536a;
	--ibc-positive: #0f766e;
	--ibc-warning: #9a5b00;
	--ibc-neutral: #3f5f7a;
	--ibc-error: #b42318;
	background: var(--ibc-bg);
	border: 1px solid var(--ibc-border);
	border-radius: 14px;
	box-shadow: 0 10px 30px rgba(15, 23, 42, 0.08);
	color: var(--ibc-text);
	margin: 1.5rem 0;
	padding: 1.25rem;
}

.ibc-title {
	color: var(--ibc-text);
	font-size: clamp(1.35rem, 2vw, 1.8rem);
	line-height: 1.2;
	margin: 0 0 0.5rem;
}

.ibc-description {
	color: var(--ibc-muted);
	font-size: 1rem;
	line-height: 1.6;
	margin: 0 0 1rem;
}

.ibc-notice,
.ibc-special-warning {
	background: #eef8fb;
	border: 1px solid #b7dce8;
	border-radius: 10px;
	color: #164e63;
	font-size: 0.95rem;
	line-height: 1.55;
	margin: 1rem 0;
	padding: 0.9rem 1rem;
}

.ibc-special-warning {
	background: #fff7ed;
	border-color: #fed7aa;
	color: #7c2d12;
}

.ibc-form {
	margin-top: 1rem;
}

.ibc-grid {
	display: grid;
	gap: 1rem;
	grid-template-columns: 1fr;
}

.ibc-field {
	display: flex;
	flex-direction: column;
	gap: 0.45rem;
}

.ibc-field label {
	color: var(--ibc-text);
	font-size: 0.96rem;
	font-weight: 700;
	line-height: 1.35;
}

.ibc-field input,
.ibc-field select {
	appearance: none;
	background: #ffffff;
	border: 1px solid #bfccd9;
	border-radius: 10px;
	color: var(--ibc-text);
	font: inherit;
	min-height: 48px;
	padding: 0.75rem 0.85rem;
	width: 100%;
}

.ibc-field select {
	background-image: linear-gradient(45deg, transparent 50%, #526173 50%), linear-gradient(135deg, #526173 50%, transparent 50%);
	background-position: calc(100% - 18px) 52%, calc(100% - 13px) 52%;
	background-repeat: no-repeat;
	background-size: 5px 5px, 5px 5px;
	padding-right: 2.5rem;
}

.ibc-field input:focus,
.ibc-field select:focus {
	border-color: var(--ibc-primary);
	box-shadow: 0 0 0 3px rgba(23, 107, 135, 0.16);
	outline: none;
}

.ibc-button {
	background: var(--ibc-primary);
	border: 0;
	border-radius: 10px;
	color: #ffffff;
	cursor: pointer;
	display: inline-flex;
	font: inherit;
	font-weight: 800;
	justify-content: center;
	line-height: 1.2;
	margin-top: 1.15rem;
	min-height: 48px;
	padding: 0.85rem 1.1rem;
	text-align: center;
	width: 100%;
}

.ibc-button:hover,
.ibc-button:focus {
	background: var(--ibc-primary-dark);
}

.ibc-result {
	background: var(--ibc-soft);
	border: 1px solid var(--ibc-border);
	border-left: 5px solid var(--ibc-neutral);
	border-radius: 10px;
	color: var(--ibc-text);
	line-height: 1.55;
	margin-top: 1rem;
	padding: 1rem;
}

.ibc-result-empty {
	color: var(--ibc-muted);
}

.ibc-result-positive {
	border-left-color: var(--ibc-positive);
}

.ibc-result-warning {
	border-left-color: var(--ibc-warning);
}

.ibc-result-neutral {
	border-left-color: var(--ibc-neutral);
}

.ibc-result-error {
	border-left-color: var(--ibc-error);
}

.ibc-result-title {
	display: block;
	font-weight: 800;
	margin-bottom: 0.35rem;
}

.ibc-result-list {
	margin: 0.5rem 0 0;
	padding-left: 1.2rem;
}

.ibc-result-list li {
	margin: 0.25rem 0;
}

.ibc-benefit-grid {
	display: grid;
	gap: 0.85rem;
	grid-template-columns: 1fr;
	margin-top: 0.8rem;
}

.ibc-benefit-card {
	background: #ffffff;
	border: 1px solid var(--ibc-border);
	border-radius: 10px;
	padding: 0.9rem;
}

.ibc-benefit-card h4 {
	font-size: 1rem;
	line-height: 1.3;
	margin: 0 0 0.35rem;
}

.ibc-benefit-card p {
	color: var(--ibc-muted);
	line-height: 1.5;
	margin: 0 0 0.65rem;
}

.ibc-benefit-links {
	display: flex;
	flex-wrap: wrap;
	gap: 0.55rem;
}

.ibc-benefit-links a,
.ibc-official-link {
	align-items: center;
	background: #eef8fb;
	border: 1px solid #b7dce8;
	border-radius: 999px;
	color: #164e63;
	display: inline-flex;
	font-size: 0.92rem;
	font-weight: 800;
	line-height: 1.2;
	padding: 0.55rem 0.75rem;
	text-decoration: none;
}

.ibc-benefit-links a:hover,
.ibc-benefit-links a:focus,
.ibc-official-link:hover,
.ibc-official-link:focus {
	background: #dff2f7;
	color: #0f536a;
	text-decoration: none;
}

.ibc-actions {
	margin-top: 1rem;
}

.ibc-interpretation,
.ibc-faq {
	border-top: 1px solid var(--ibc-border);
	margin-top: 1.25rem;
	padding-top: 1.15rem;
}

.ibc-section-title {
	color: var(--ibc-text);
	font-size: 1.05rem;
	line-height: 1.35;
	margin: 0 0 0.7rem;
}

.ibc-interpretation p {
	color: var(--ibc-muted);
	line-height: 1.6;
	margin: 0;
}

.ibc-faq-item {
	background: #ffffff;
	border: 1px solid var(--ibc-border);
	border-radius: 10px;
	margin-top: 0.6rem;
	padding: 0.8rem 0.9rem;
}

.ibc-faq-item summary {
	color: var(--ibc-text);
	cursor: pointer;
	font-weight: 800;
}

.ibc-faq-item p {
	color: var(--ibc-muted);
	line-height: 1.55;
	margin: 0.65rem 0 0;
}

@media (min-width: 680px) {
	.ibc-card {
		padding: 1.5rem;
	}

	.ibc-grid {
		grid-template-columns: repeat(2, minmax(0, 1fr));
	}

	.ibc-button {
		width: auto;
	}

	.ibc-benefit-grid {
		grid-template-columns: repeat(2, minmax(0, 1fr));
	}
}