:root{
  --bg:#f6f7fb;--surface:#fff;--surface2:#eef2f7;--text:#101828;--muted:#667085;
  --border:#e4e7ec;--accent:#1456f0;--accent2:#0f3fb5;--good:#087443;--shadow:0 12px 30px rgba(16,24,40,.08);
  --radius:18px;--max:1120px;
}
*{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:1.65}
a{color:var(--accent);text-decoration:none}
a:hover{text-decoration:underline}
.container{max-width:var(--max);margin:0 auto;padding:0 20px}
.site-header{position:sticky;top:0;z-index:20;background:rgba(246,247,251,.94);backdrop-filter:blur(12px);border-bottom:1px solid var(--border)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:18px;min-height:70px}
.brand{font-weight:900;font-size:1.15rem;color:var(--text);letter-spacing:-.02em}
.nav-links{display:flex;flex-wrap:wrap;gap:14px;font-size:.95rem}
.nav-links a{color:var(--text);font-weight:650}
.hero{padding:64px 0 36px}
.eyebrow{display:inline-flex;padding:7px 11px;border-radius:999px;background:#e8efff;color:var(--accent2);font-size:.82rem;font-weight:800}
h1,h2,h3{line-height:1.15;letter-spacing:-.03em}
h1{font-size:clamp(2.2rem,5vw,4.1rem);margin:16px 0}
h2{font-size:clamp(1.55rem,3vw,2.15rem);margin:0 0 14px}
h3{font-size:1.15rem;margin:0 0 8px}
.lead{font-size:1.08rem;color:#475467;max-width:780px}
.actions{display:flex;flex-wrap:wrap;gap:10px;margin-top:22px}
.btn{display:inline-flex;align-items:center;justify-content:center;padding:11px 16px;border-radius:12px;border:1px solid var(--border);background:#fff;color:var(--text);font-weight:800}
.btn.primary{background:var(--accent);color:#fff;border-color:var(--accent)}
.section{padding:26px 0 52px}
.grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
.card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow);padding:22px}
.card p{color:#475467}
.category-title{margin-bottom:14px}
.tool-link{display:block;padding:16px;border:1px solid var(--border);border-radius:14px;background:#fff;color:var(--text);height:100%}
.tool-link strong{display:block;font-size:1.02rem;margin-bottom:5px}
.tool-link span{display:block;color:var(--muted);font-size:.92rem}
.calc-layout{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(320px,.95fr);gap:22px;align-items:start}
.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}
.field label{display:block;font-weight:750;font-size:.92rem;margin-bottom:7px}
.field small{display:block;color:var(--muted);margin-top:5px}
input,select{width:100%;padding:12px 13px;border:1px solid #cfd5df;border-radius:11px;background:#fff;color:var(--text);font:inherit}
input:focus,select:focus{outline:3px solid rgba(20,86,240,.16);border-color:var(--accent)}
.result{position:sticky;top:92px;background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow)}
.result-main{font-size:2rem;font-weight:900;letter-spacing:-.04em;margin:6px 0 12px}
.result-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}
.result-item{background:var(--surface2);padding:12px;border-radius:13px}
.result-item strong{display:block;font-size:1.05rem}
.muted{color:var(--muted)}
.notice{margin-top:14px;padding:13px 14px;border-left:4px solid var(--accent);background:#f5f8ff;border-radius:10px;color:#344054}
.prose{max-width:820px}
.prose p,.prose li{color:#475467}
.prose ul{padding-left:20px}
.faq{display:grid;gap:12px}
.faq details{background:#fff;border:1px solid var(--border);border-radius:14px;padding:14px 16px}
.faq summary{cursor:pointer;font-weight:800}
.footer{border-top:1px solid var(--border);padding:30px 0 50px;margin-top:10px;color:var(--muted)}
.kicker{font-size:.86rem;font-weight:800;color:var(--accent2);text-transform:uppercase;letter-spacing:.06em}
.breadcrumb{font-size:.88rem;color:var(--muted);margin-top:18px}
.search{width:100%;padding:14px 16px;border-radius:14px}
.notice strong{color:var(--text)}
.small{font-size:.88rem}
.center{text-align:center}
@media(max-width:900px){
  .grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .calc-layout{grid-template-columns:1fr}
  .result{position:static}
}
@media(max-width:640px){
  .grid,.form-grid{grid-template-columns:1fr}
  .hero{padding-top:42px}
  .nav{align-items:flex-start;padding:14px 0}
  .nav-links{justify-content:flex-end}
}