:root{
  --bg:#f5f8fc;
  --card:#ffffff;
  --ink:#0f172a;
  --muted:#667085;
  --line:#dfe7f1;
  --soft:#edf4fb;
  --accent:#1f5eff;
  --accent-dark:#1848c7;
  --good:#16794d;
  --warn:#9a6700;
  --radius:18px;
  --shadow:0 18px 50px rgba(15,23,42,.07);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;background:var(--bg);color:var(--ink);
  font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
  line-height:1.55
}
a{color:inherit}
button,input,select{font:inherit}
.wrap{width:min(1120px,calc(100% - 32px));margin-inline:auto}
.narrow{width:min(790px,calc(100% - 32px));margin-inline:auto}
.site-header{
  position:sticky;top:0;z-index:50;
  background:rgba(245,248,252,.95);
  backdrop-filter:blur(14px);
  border-bottom:1px solid var(--line)
}
.nav{min-height:70px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.brand{text-decoration:none;font-weight:900;letter-spacing:-.025em;font-size:19px}
.brand small{display:block;font-size:10px;letter-spacing:.16em;color:var(--accent);font-weight:800}
.nav-actions{display:flex;align-items:center;gap:14px}
.nav-link{text-decoration:none;color:var(--muted);font-size:14px;font-weight:650}
.dropdown{position:relative}
.dropdown-toggle{
  border:1px solid var(--line);background:var(--card);padding:9px 12px;border-radius:10px;
  color:var(--ink);font-weight:750;cursor:pointer;display:flex;align-items:center;gap:8px
}
.dropdown-menu{
  display:none;position:absolute;right:0;top:48px;width:min(560px,90vw);
  background:var(--card);border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow);
  padding:16px
}
.dropdown.open .dropdown-menu{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}
.dropdown-menu h4{grid-column:1/-1;margin:3px 0 2px;font-size:11px;color:var(--muted);text-transform:uppercase;letter-spacing:.09em}
.dropdown-menu a{padding:10px;border-radius:10px;text-decoration:none;font-size:14px;font-weight:650}
.dropdown-menu a:hover{background:var(--soft);color:var(--accent)}
.hero{padding:76px 0 36px;text-align:center}
.eyebrow{margin:0 0 10px;color:var(--accent);font-size:12px;font-weight:900;letter-spacing:.14em;text-transform:uppercase}
h1{margin:0;font-size:clamp(42px,7vw,76px);line-height:1;letter-spacing:-.05em}
.lede{max-width:780px;margin:18px auto 0;color:var(--muted);font-size:clamp(18px,2vw,22px)}
.hero-actions{display:flex;justify-content:center;gap:10px;margin-top:25px;flex-wrap:wrap}
.btn{
  display:inline-flex;align-items:center;justify-content:center;text-decoration:none;
  padding:12px 16px;border-radius:11px;font-weight:800;border:1px solid var(--line);background:var(--card)
}
.btn.primary{background:var(--accent);color:white;border-color:var(--accent)}
.btn.primary:hover{background:var(--accent-dark)}
.category-strip{display:flex;gap:8px;flex-wrap:wrap;justify-content:center;padding:0 0 30px}
.pill{padding:8px 11px;border-radius:999px;background:var(--card);border:1px solid var(--line);font-size:13px;color:var(--muted);font-weight:700}
.section{padding:28px 0 56px}
.section h2{font-size:34px;margin:0 0 8px;letter-spacing:-.03em}
.section-intro{color:var(--muted);margin:0 0 20px}
.card-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.tool-card{
  background:var(--card);border:1px solid var(--line);border-radius:16px;padding:20px;
  text-decoration:none;box-shadow:0 8px 25px rgba(15,23,42,.035);transition:.18s ease
}
.tool-card:hover{transform:translateY(-2px);box-shadow:var(--shadow);border-color:#bfd0e5}
.tool-card .tag{display:inline-block;font-size:10px;font-weight:900;letter-spacing:.08em;text-transform:uppercase;color:var(--accent);margin-bottom:10px}
.tool-card h3{margin:0 0 7px;font-size:20px;letter-spacing:-.02em}
.tool-card p{margin:0;color:var(--muted);font-size:14px}
.page-hero{padding:54px 0 22px}
.page-hero h1{font-size:clamp(38px,6vw,62px)}
.breadcrumb{font-size:13px;color:var(--muted);margin-bottom:12px}
.breadcrumb a{color:var(--accent);text-decoration:none}
.calculator-card{
  background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:26px;
  box-shadow:var(--shadow);margin:18px auto 0
}
.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}
.form-grid.three{grid-template-columns:repeat(3,minmax(0,1fr))}
.field label{display:block;font-weight:800;font-size:13px;margin-bottom:6px}
.field small{display:block;color:var(--muted);font-size:12px;margin-top:5px}
.input-wrap{display:flex;align-items:center;border:1px solid var(--line);background:#fff;border-radius:10px;overflow:hidden}
.input-wrap span{padding:0 10px;color:var(--muted);font-weight:700;white-space:nowrap}
.input-wrap input,.input-wrap select{width:100%;border:0;outline:0;background:#fff;color:var(--ink);padding:11px 12px}
input:not(.bare),select{
  width:100%;border:1px solid var(--line);border-radius:10px;outline:0;background:#fff;color:var(--ink);padding:11px 12px
}
input:focus,select:focus,.input-wrap:focus-within{border-color:#93b2ff;box-shadow:0 0 0 3px rgba(31,94,255,.09)}
.preset-row{display:flex;flex-wrap:wrap;gap:8px;margin:16px 0 0}
.preset{border:1px solid var(--line);background:var(--soft);color:var(--ink);border-radius:999px;padding:8px 11px;font-size:12px;font-weight:800;cursor:pointer}
.preset:hover{border-color:#9fb7d6}
.result-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px;margin-top:20px}
.result-card{background:var(--soft);border-radius:12px;padding:16px;min-height:102px}
.result-card span{display:block;color:var(--muted);font-size:12px;font-weight:700}
.result-card strong{display:block;font-size:26px;line-height:1.15;margin-top:5px;font-variant-numeric:tabular-nums;letter-spacing:-.025em}
.result-card small{display:block;color:var(--muted);font-size:11px;margin-top:4px}
.insight{
  margin-top:16px;padding:16px;border-radius:12px;background:#f8fbff;border:1px solid #d7e6ff;
  font-size:14px
}
.insight strong{color:var(--accent-dark)}
.scenario-table{width:100%;border-collapse:collapse;margin-top:18px;border:1px solid var(--line);border-radius:12px;overflow:hidden}
.scenario-table th,.scenario-table td{padding:11px 12px;text-align:left;border-bottom:1px solid var(--line);font-size:13px}
.scenario-table th{background:var(--soft);font-size:11px;text-transform:uppercase;letter-spacing:.05em}
.scenario-table tr:last-child td{border-bottom:0}
.table-wrap{overflow:auto;border:1px solid var(--line);border-radius:12px;margin-top:18px}
.table-wrap table{width:100%;border-collapse:collapse;min-width:720px}
.table-wrap th,.table-wrap td{padding:11px;border-bottom:1px solid var(--line);text-align:left}
.table-wrap th{background:var(--soft);font-size:11px;text-transform:uppercase;letter-spacing:.04em}
.table-wrap tr:last-child th,.table-wrap tr:last-child td{border-bottom:0}
.table-wrap input{min-width:115px}
.ad-slot{
  min-height:110px;margin:34px auto;border:1px dashed #c8d5e6;border-radius:12px;
  display:flex;align-items:center;justify-content:center;color:#8b9ab0;background:rgba(255,255,255,.45);
  font-size:10px;font-weight:800;letter-spacing:.14em;text-transform:uppercase
}
.content{padding:18px 0 12px}
.content h2{font-size:30px;line-height:1.2;letter-spacing:-.025em;margin:34px 0 10px}
.content h3{font-size:20px;margin:24px 0 8px}
.content p,.content li{color:#475467}
.content ul{padding-left:20px}
details.faq{border-top:1px solid var(--line);padding:15px 0}
details.faq:last-child{border-bottom:1px solid var(--line)}
details.faq summary{cursor:pointer;font-weight:800}
.notice{background:#fffaf0;border:1px solid #f1d9a6;padding:14px;border-radius:11px;color:#6b4e00;font-size:13px;margin-top:16px}
footer{border-top:1px solid var(--line);margin-top:58px;padding:30px 0 40px;color:var(--muted);font-size:13px}
.footer-row{display:flex;justify-content:space-between;gap:20px;align-items:flex-start}
.footer-links{display:flex;gap:14px;flex-wrap:wrap}
.footer-links a{text-decoration:none}
@media(max-width:900px){
  .card-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .result-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media(max-width:720px){
  .nav-link{display:none}
  .dropdown.open .dropdown-menu{grid-template-columns:1fr;width:min(92vw,430px)}
  .hero{padding-top:52px}
  .form-grid,.form-grid.three,.card-grid,.result-grid{grid-template-columns:1fr}
  .calculator-card{padding:17px}
  .footer-row{flex-direction:column}
}