:root{
  --bg:#f7f9fc;
  --surface:#ffffff;
  --text:#1c2733;
  --muted:#5c6b7a;
  --line:#e4e9f0;
  --navy:#0b1f3a;
  --accent:#2e6bff;
  --accent-dark:#1b4fdb;
  --success:#1e8e5a;
  --radius:18px;
  --shadow:0 10px 35px rgba(11,31,58,.08)
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;background:var(--bg);color:var(--text);line-height:1.6}
a{color:inherit;text-decoration:none}
:focus-visible{outline:2px solid var(--accent);outline-offset:2px}
.container{width:min(1120px,calc(100% - 40px));margin:0 auto}
header{position:sticky;top:0;z-index:20;background:rgba(247,249,252,.92);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;min-height:72px;gap:24px}
.brand{font-weight:800;letter-spacing:-.03em;font-size:1.08rem;color:var(--navy)}
.brand span{color:var(--accent)}
nav ul{display:flex;list-style:none;gap:22px;padding:0;margin:0;align-items:center}
nav a{color:var(--muted);font-weight:600;font-size:.95rem;transition:color .15s}
nav a:hover,nav a[aria-current="page"]{color:var(--navy)}
.btn{display:inline-flex;align-items:center;justify-content:center;padding:12px 18px;border-radius:12px;font-weight:700;border:1px solid transparent;transition:.2s}
.btn-primary{background:var(--accent);color:#fff}
.btn-primary:hover{background:var(--accent-dark);transform:translateY(-1px)}
.btn-secondary{background:#fff;border-color:var(--line);color:var(--navy)}
.btn-secondary:hover{border-color:var(--accent);color:var(--accent)}
h1,h2,h3{line-height:1.12;letter-spacing:-.035em;margin:0 0 16px;color:var(--navy)}
h1{font-size:clamp(2.5rem,6vw,5rem)}
h2{font-size:clamp(2rem,4vw,3.2rem)}
h3{font-size:1.35rem}
.hero{padding:88px 0 54px}
.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:48px;align-items:center}
.eyebrow{display:inline-block;font-size:.78rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--accent);margin-bottom:16px}
.lead{font-size:1.15rem;color:var(--muted);max-width:720px}
.hero-card,.card,.calc-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:26px}
.metric{display:flex;justify-content:space-between;gap:16px;padding:14px 0;border-bottom:1px solid var(--line)}
.metric:last-child{border-bottom:0}
.metric strong{font-size:1.1rem;color:var(--navy)}
.section{padding:72px 0}
.section.alt{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.card p{color:var(--muted);margin-bottom:0}
.kicker{font-size:.86rem;font-weight:800;color:var(--success);text-transform:uppercase;letter-spacing:.08em}
.cta-box{padding:36px;border-radius:var(--radius);background:linear-gradient(135deg,var(--navy),#173868);color:#fff}
.cta-box h3{color:#fff}
.cta-box p{color:#d9e1ee}
footer{padding:42px 0;color:var(--muted);font-size:.92rem;border-top:1px solid var(--line)}
.footer-grid{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap}
.footer-links{display:flex;gap:16px;flex-wrap:wrap}
.footer-links a:hover{color:var(--navy)}
.content{padding:56px 0}
.content article{max-width:820px}
.content h1{font-size:clamp(2.3rem,5vw,4.2rem)}
.content h2{margin-top:40px;font-size:2rem}
.content p,.content li{color:#3e4a5e}
.back-link{display:inline-flex;align-items:center;gap:6px;font-weight:600;font-size:.92rem;color:var(--accent);margin-bottom:18px}
.back-link:hover{color:var(--accent-dark)}
.note{padding:18px;border-left:4px solid var(--accent);background:#eaf1ff;border-radius:10px}
.form-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
label{font-weight:700;font-size:.92rem;display:block;margin-bottom:7px}
input{width:100%;padding:13px 14px;border:1px solid var(--line);border-radius:10px;font:inherit;background:#fff;color:var(--text)}
input:focus{outline:2px solid rgba(46,107,255,.15);border-color:var(--accent)}
.results{margin-top:24px;padding:22px;border-radius:14px;background:#f2f6ff;display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.result-box small{display:block;color:var(--muted)}
.result-box strong{font-size:1.5rem;color:var(--navy)}
.disclaimer{font-size:.84rem;color:var(--muted);margin-top:18px}
.badge{display:inline-flex;padding:8px 10px;border-radius:999px;background:#e8f0ff;color:var(--accent);font-weight:800;font-size:.8rem}
@media(max-width:820px){
  .hero-grid,.grid-3,.grid-2,.form-grid,.results{grid-template-columns:1fr}
  nav ul{display:none}
  .hero{padding-top:58px}
  .section{padding:56px 0}
}