:root{--c-dark:#1a3c4e;--c-mid:#2a5570;--c-light:#3d7a9a;--c-gold:#c9a84c;--c-gold-lt:#e8cb7a;--c-white:#fff;--c-off:#f4f7f9;--c-border:#dce6ed;--c-text:#1d2f3a;--c-muted:#6b8899;--c-green:#2e7d5e;--c-red:#c0392b;--c-amber:#d4861a;--c-radius:12px;--c-shadow:0 2px 16px rgba(26,60,78,.1)}*{box-sizing:border-box}#pmwhmo-wrap{font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;color:var(--c-text);max-width:900px;margin:0 auto;padding:0 16px 60px}.pmwhmo-hero{background:linear-gradient(135deg,var(--c-dark) 0%,var(--c-mid) 100%);border-radius:var(--c-radius);padding:44px 40px;margin-bottom:20px;display:flex;align-items:center;gap:32px;position:relative;overflow:hidden}.pmwhmo-hero:before{content:'';position:absolute;top:-50px;right:100px;width:180px;height:180px;background:rgba(201,168,76,.08);border-radius:50%}.pmwhmo-hero-content{flex:1}.pmwhmo-hero-badge{display:inline-block;background:rgba(201,168,76,.18);color:var(--c-gold-lt);font-size:11px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;padding:4px 12px;border-radius:20px;border:1px solid rgba(201,168,76,.3);margin-bottom:12px}.pmwhmo-hero h1{color:var(--c-white);font-size:30px;font-weight:700;margin:0 0 10px;letter-spacing:-.02em}.pmwhmo-hero p{color:rgba(255,255,255,.72);font-size:15px;margin:0 0 20px;line-height:1.6}.pmwhmo-hero-stats{display:flex;gap:24px}.pmwhmo-stat strong{display:block;font-size:22px;font-weight:800;color:var(--c-gold)}.pmwhmo-stat span{font-size:12px;color:rgba(255,255,255,.6)}.pmwhmo-hero-icon{font-size:72px;flex-shrink:0;opacity:.85}@media (max-width:600px){.pmwhmo-hero-icon{display:none}.pmwhmo-hero{padding:28px 24px}}.pmwhmo-info-panel{background:var(--c-white);border:1px solid var(--c-border);border-radius:var(--c-radius);margin-bottom:20px;overflow:hidden;box-shadow:var(--c-shadow)}.pmwhmo-info-toggle{display:flex;align-items:center;justify-content:space-between;padding:16px 22px;cursor:pointer;font-size:14px;font-weight:600;color:var(--c-dark);transition:background .15s}.pmwhmo-info-toggle:hover{background:var(--c-off)}.pmwhmo-info-toggle svg{width:18px;height:18px;color:var(--c-muted);transition:transform .2s}.pmwhmo-info-panel.open .pmwhmo-info-toggle svg{transform:rotate(180deg)}.pmwhmo-info-body{padding:20px 22px;border-top:1px solid var(--c-border)}.pmwhmo-info-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}@media (max-width:600px){.pmwhmo-info-grid{grid-template-columns:1fr}}.pmwhmo-info-item{display:flex;gap:12px;padding:14px;background:var(--c-off);border-radius:8px}.pmwhmo-info-icon{font-size:24px;flex-shrink:0}.pmwhmo-info-item strong{display:block;font-size:13px;color:var(--c-dark);margin-bottom:4px}.pmwhmo-info-item p{font-size:12px;color:var(--c-muted);margin:0;line-height:1.5}.pmwhmo-form-card{background:var(--c-white);border:1px solid var(--c-border);border-radius:var(--c-radius);overflow:hidden;box-shadow:var(--c-shadow);margin-bottom:20px}.pmwhmo-form-header{background:linear-gradient(135deg,var(--c-dark),var(--c-mid));padding:22px 28px}.pmwhmo-form-header h2{color:var(--c-white);font-size:18px;font-weight:700;margin:0 0 4px}.pmwhmo-form-header p{color:rgba(255,255,255,.7);font-size:13px;margin:0}.pmwhmo-form-body{padding:28px;display:flex;flex-direction:column;gap:24px}.pmwhmo-field label{display:block;font-size:14px;font-weight:700;color:var(--c-dark);margin-bottom:6px}.pmwhmo-req{color:var(--c-red)}.pmwhmo-field-desc{font-size:12px;color:var(--c-muted);margin:0 0 10px;line-height:1.5}.pmwhmo-select{width:100%;padding:12px 14px;border:2px solid var(--c-border);border-radius:8px;font-size:14px;color:var(--c-text);background:var(--c-off);outline:none;cursor:pointer;transition:border-color .2s}.pmwhmo-select:focus{border-color:var(--c-light)}.pmwhmo-la-hint{margin-top:10px;padding:10px 14px;border-radius:8px;font-size:13px;line-height:1.5}.pmwhmo-la-hint.has-additional{background:rgba(212,134,26,.1);border:1px solid rgba(212,134,26,.3);color:var(--c-amber)}.pmwhmo-la-hint.no-additional{background:rgba(46,125,94,.08);border:1px solid rgba(46,125,94,.2);color:var(--c-green)}.pmwhmo-choice-row{display:flex;gap:8px;flex-wrap:wrap}.pmwhmo-choice-btn{padding:10px 16px;border:2px solid var(--c-border);border-radius:8px;background:var(--c-off);color:var(--c-muted);font-size:13px;font-weight:600;cursor:pointer;transition:all .15s}.pmwhmo-choice-btn:hover{border-color:var(--c-light);color:var(--c-dark)}.pmwhmo-choice-btn.selected{border-color:var(--c-dark);background:var(--c-dark);color:var(--c-white)}.pmwhmo-number-input{display:flex;align-items:center;gap:0;max-width:200px;border:2px solid var(--c-border);border-radius:8px;overflow:hidden}.pmwhmo-num-btn{width:44px;height:44px;border:none;background:var(--c-off);color:var(--c-dark);font-size:20px;font-weight:700;cursor:pointer;transition:background .15s;flex-shrink:0}.pmwhmo-num-btn:hover{background:var(--c-border)}.pmwhmo-num-display{flex:1;text-align:center;font-size:20px;font-weight:800;color:var(--c-dark);padding:8px;background:var(--c-white);border-left:1px solid var(--c-border);border-right:1px solid var(--c-border)}.pmwhmo-check-btn{display:flex;align-items:center;justify-content:center;gap:10px;width:100%;padding:18px;background:linear-gradient(135deg,var(--c-dark),var(--c-mid));color:var(--c-white);border:none;border-radius:10px;font-size:16px;font-weight:700;cursor:pointer;transition:transform .15s,box-shadow .15s;box-shadow:0 4px 16px rgba(26,60,78,.25);margin-top:8px}.pmwhmo-check-btn svg{width:20px;height:20px}.pmwhmo-check-btn:hover{transform:translateY(-2px);box-shadow:0 6px 20px rgba(26,60,78,.35)}.pmwhmo-verdict{display:flex;align-items:center;gap:20px;padding:24px 28px;border-radius:var(--c-radius);margin-bottom:20px;border:2px solid;flex-wrap:wrap}.pmwhmo-verdict.result-not-hmo{background:rgba(46,125,94,.08);border-color:var(--c-green)}.pmwhmo-verdict.result-mandatory{background:rgba(192,57,43,.08);border-color:var(--c-red)}.pmwhmo-verdict.result-additional{background:rgba(212,134,26,.08);border-color:var(--c-amber)}.pmwhmo-verdict.result-hmo-no-licence{background:rgba(61,122,154,.08);border-color:var(--c-light)}.pmwhmo-verdict.result-converted{background:rgba(212,134,26,.08);border-color:var(--c-amber)}.pmwhmo-verdict.result-owner-exempt{background:rgba(46,125,94,.08);border-color:var(--c-green)}.pmwhmo-verdict-icon{font-size:40px;flex-shrink:0}.pmwhmo-verdict-title{font-size:20px;font-weight:800;color:var(--c-dark);margin-bottom:6px}.pmwhmo-verdict-desc{font-size:14px;color:var(--c-muted);line-height:1.6;max-width:560px}.pmwhmo-verdict-badge{margin-left:auto;font-size:12px;font-weight:700;padding:6px 14px;border-radius:20px;white-space:nowrap;align-self:flex-start}.pmwhmo-la-card{background:var(--c-white);border:1px solid var(--c-border);border-radius:var(--c-radius);padding:24px;margin-bottom:20px;box-shadow:var(--c-shadow)}.pmwhmo-la-card h3{font-size:17px;font-weight:700;color:var(--c-dark);margin:0 0 16px}.pmwhmo-la-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-bottom:14px}@media (max-width:700px){.pmwhmo-la-grid{grid-template-columns:1fr 1fr}}@media (max-width:400px){.pmwhmo-la-grid{grid-template-columns:1fr}}.pmwhmo-la-item{background:var(--c-off);border-radius:8px;padding:12px}.pmwhmo-la-label{font-size:11px;text-transform:uppercase;letter-spacing:.05em;color:var(--c-muted);margin-bottom:4px}.pmwhmo-la-val{font-size:13px;font-weight:700;color:var(--c-dark)}.pmwhmo-la-notes{font-size:13px;color:var(--c-muted);line-height:1.6;padding:12px 14px;background:var(--c-off);border-radius:8px;margin-top:10px}.pmwhmo-la-additional-details{margin-top:10px;padding:14px;background:rgba(212,134,26,.08);border:1px solid rgba(212,134,26,.25);border-left:4px solid var(--c-amber);border-radius:0 8px 8px 0;font-size:13px;color:var(--c-text);line-height:1.6}.pmwhmo-section-title{display:flex;align-items:center;gap:10px;font-size:18px;font-weight:700;color:var(--c-dark);margin:0 0 6px}.pmwhmo-section-title svg{width:20px;height:20px;color:var(--c-gold)}.pmwhmo-section-sub{font-size:13px;color:var(--c-muted);margin:0 0 16px}.pmwhmo-conditions{margin-bottom:20px}.pmwhmo-condition-group{background:var(--c-white);border:1px solid var(--c-border);border-radius:10px;margin-bottom:10px;overflow:hidden;box-shadow:var(--c-shadow)}.pmwhmo-condition-header{display:flex;align-items:center;gap:12px;padding:14px 18px;cursor:pointer;background:var(--c-off);transition:background .15s}.pmwhmo-condition-header:hover{background:var(--c-border)}.pmwhmo-condition-header strong{flex:1;font-size:14px;color:var(--c-dark)}.pmwhmo-condition-header svg{width:16px;height:16px;color:var(--c-muted);transition:transform .2s}.pmwhmo-condition-group.open .pmwhmo-condition-header svg{transform:rotate(180deg)}.pmwhmo-condition-body{padding:0 18px 16px;display:none}.pmwhmo-condition-group.open .pmwhmo-condition-body{display:block}.pmwhmo-condition-body ul{list-style:none;margin:12px 0 0;padding:0}.pmwhmo-condition-body li{padding:8px 0 8px 20px;position:relative;font-size:13px;color:var(--c-text);line-height:1.5;border-bottom:1px solid var(--c-border)}.pmwhmo-condition-body li:last-child{border-bottom:none}.pmwhmo-condition-body li:before{content:'✓';position:absolute;left:0;color:var(--c-green);font-weight:700}.pmwhmo-card{background:var(--c-white);border:1px solid var(--c-border);border-radius:var(--c-radius);padding:24px;margin-bottom:20px;box-shadow:var(--c-shadow)}.pmwhmo-card h3{font-size:16px;font-weight:700;color:var(--c-dark);margin:0 0 6px}.pmwhmo-card-sub{font-size:13px;color:var(--c-muted);margin:0 0 16px}.pmwhmo-mgmt-item{padding:12px 0;border-bottom:1px solid var(--c-border);font-size:13px}.pmwhmo-mgmt-item:last-child{border-bottom:none}.pmwhmo-mgmt-item strong{display:block;color:var(--c-dark);margin-bottom:3px}.pmwhmo-mgmt-item p{color:var(--c-muted);margin:0;line-height:1.5}.pmwhmo-steps{margin-bottom:20px}.pmwhmo-steps-list{display:flex;flex-direction:column;gap:0;position:relative}.pmwhmo-steps-list:before{content:'';position:absolute;left:19px;top:20px;bottom:20px;width:2px;background:var(--c-border)}.pmwhmo-step-item{display:flex;gap:16px;padding:16px 0;position:relative}.pmwhmo-step-num{width:40px;height:40px;background:var(--c-dark);color:var(--c-white);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:15px;font-weight:800;flex-shrink:0;position:relative;z-index:1}.pmwhmo-step-content{flex:1;padding-top:8px}.pmwhmo-step-content strong{display:block;font-size:14px;color:var(--c-dark);margin-bottom:4px}.pmwhmo-step-content p{font-size:13px;color:var(--c-muted);margin:0;line-height:1.5}.pmwhmo-penalties-card{border-left:4px solid var(--c-red)}.pmwhmo-penalties-table-wrap{overflow-x:auto}.pmwhmo-penalties-table{width:100%;border-collapse:collapse;font-size:13px}.pmwhmo-penalties-table th{text-align:left;padding:10px 12px;background:var(--c-dark);color:var(--c-white);font-size:12px;font-weight:600;text-transform:uppercase;letter-spacing:.04em}.pmwhmo-penalties-table td{padding:10px 12px;border-bottom:1px solid var(--c-border);color:var(--c-text);vertical-align:top}.pmwhmo-penalties-table tr:nth-child(even) td{background:var(--c-off)}.pmwhmo-penalties-table td:nth-child(2){color:var(--c-red);font-weight:700}.pmwhmo-penalties-table td:nth-child(3){font-size:11px;color:var(--c-muted)}.pmwhmo-tools-row{display:grid;grid-template-columns:1fr 1fr 1fr;gap:12px;margin-bottom:20px}@media (max-width:700px){.pmwhmo-tools-row{grid-template-columns:1fr}}.pmwhmo-tool-link{display:flex;align-items:center;gap:12px;padding:16px;background:var(--c-white);border:2px solid var(--c-border);border-radius:10px;text-decoration:none;transition:border-color .2s,box-shadow .2s;box-shadow:var(--c-shadow)}.pmwhmo-tool-link:hover{border-color:var(--c-light);box-shadow:0 4px 20px rgba(26,60,78,.12);text-decoration:none}.pmwhmo-tool-icon{font-size:24px;flex-shrink:0}.pmwhmo-tool-link strong{display:block;font-size:13px;color:var(--c-dark);font-weight:700;margin-bottom:2px}.pmwhmo-tool-link span{font-size:11px;color:var(--c-muted);line-height:1.3}.pmwhmo-tool-link>svg{width:16px;height:16px;color:var(--c-muted);margin-left:auto;flex-shrink:0}.pmwhmo-cta{background:linear-gradient(135deg,var(--c-dark),var(--c-mid));border-radius:var(--c-radius);padding:36px;margin-bottom:16px}.pmwhmo-cta h3{color:var(--c-white);font-size:20px;margin:0 0 10px}.pmwhmo-cta p{color:rgba(255,255,255,.75);font-size:14px;margin:0 0 16px;line-height:1.6}.pmwhmo-cta-features{display:grid;grid-template-columns:1fr 1fr 1fr;gap:8px;margin-bottom:20px}@media (max-width:600px){.pmwhmo-cta-features{grid-template-columns:1fr}}.pmwhmo-cta-features div{font-size:13px;color:rgba(255,255,255,.85)}.pmwhmo-cta-btns{display:flex;gap:12px;flex-wrap:wrap}.pmwhmo-btn-primary{display:inline-block;background:var(--c-gold);color:var(--c-dark);font-weight:700;font-size:14px;padding:13px 24px;border-radius:8px;text-decoration:none;transition:background .2s,transform .15s}.pmwhmo-btn-primary:hover{background:var(--c-gold-lt);transform:translateY(-1px);color:var(--c-dark);text-decoration:none}.pmwhmo-btn-secondary{display:inline-block;background:rgba(255,255,255,.12);color:var(--c-white);font-weight:600;font-size:14px;padding:13px 24px;border-radius:8px;text-decoration:none;border:1px solid rgba(255,255,255,.25);transition:background .2s}.pmwhmo-btn-secondary:hover{background:rgba(255,255,255,.2);color:var(--c-white);text-decoration:none}.pmwhmo-disclaimer{display:flex;align-items:flex-start;gap:10px;padding:14px 18px;background:var(--c-off);border-radius:8px;font-size:12px;color:var(--c-muted);line-height:1.6;margin-bottom:16px}.pmwhmo-disclaimer svg{width:14px;height:14px;flex-shrink:0;margin-top:2px}.pmwhmo-restart-btn{display:flex;align-items:center;gap:8px;margin:0 auto;padding:12px 24px;background:var(--c-off);border:1px solid var(--c-border);border-radius:8px;color:var(--c-muted);font-size:14px;font-weight:600;cursor:pointer;transition:all .15s}.pmwhmo-restart-btn svg{width:16px;height:16px}.pmwhmo-restart-btn:hover{border-color:var(--c-dark);color:var(--c-dark)}