:root {
  --ink: #142033;
  --muted: #64748b;
  --line: #e2e8f0;
  --surface: #ffffff;
  --soft: #f5f8fc;
  --navy: #102a43;
  --teal: #16b3a3;
  --teal-dark: #0d8278;
  --amber: #f4a33a;
  --coral: #f0705b;
  --shadow: 0 20px 60px rgba(16, 42, 67, .10);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--soft);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 16px;
  line-height: 1.7;
}
img { max-width: 100%; display: block; }
a { color: var(--teal-dark); }
a:hover { color: var(--navy); }
.container { width: min(1140px, calc(100% - 40px)); margin-inline: auto; }

.site-header {
  background: rgba(255, 255, 255, .94);
  border-bottom: 1px solid rgba(226, 232, 240, .9);
  position: sticky;
  top: 0;
  z-index: 10;
  backdrop-filter: blur(14px);
}
.header-inner { min-height: 76px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand { color: var(--navy); text-decoration: none; display: inline-flex; align-items: center; gap: 11px; font-weight: 800; letter-spacing: -.03em; font-size: 1.08rem; }
.brand-mark { width: 35px; height: 35px; border-radius: 11px 11px 11px 4px; display: grid; place-items: center; color: white; background: linear-gradient(135deg, var(--teal), #58d5bd); box-shadow: 0 7px 16px rgba(22, 179, 163, .25); }
.brand small { color: var(--muted); display: block; font-size: .68rem; font-weight: 600; letter-spacing: .06em; text-transform: uppercase; }
.nav { display: flex; align-items: center; gap: 5px; }
.nav a { color: #53657a; text-decoration: none; border-radius: 9px; padding: 8px 10px; font-size: .9rem; font-weight: 650; }
.nav a:hover, .nav a.active { color: var(--navy); background: #edf9f7; }
.nav-toggle { display: none; border: 0; background: transparent; color: var(--navy); font-size: 1.6rem; cursor: pointer; }

.hero { padding: 76px 0 68px; background: radial-gradient(circle at 83% 10%, rgba(22, 179, 163, .13), transparent 29%), linear-gradient(180deg, #fff, #f8fbfd); }
.hero-grid { display: grid; grid-template-columns: 1.02fr .98fr; align-items: center; gap: 62px; }
.eyebrow { color: var(--teal-dark); font-size: .78rem; font-weight: 800; letter-spacing: .14em; text-transform: uppercase; margin: 0 0 15px; }
h1, h2, h3 { color: var(--navy); line-height: 1.15; letter-spacing: -.04em; margin: 0 0 18px; }
h1 { font-size: clamp(2.6rem, 5vw, 4.7rem); max-width: 680px; }
h2 { font-size: clamp(1.8rem, 3vw, 2.65rem); }
h3 { font-size: 1.2rem; }
.hero p { color: #526478; font-size: 1.08rem; max-width: 650px; margin: 0 0 28px; }
.hero-art { position: relative; }
.hero-art img { width: 100%; min-height: 350px; object-fit: cover; object-position: center; border-radius: 28px; box-shadow: var(--shadow); }
.hero-art::after { content: ""; position: absolute; width: 115px; height: 115px; right: -19px; bottom: -22px; z-index: -1; border-radius: 25px; background: var(--amber); opacity: .9; }
.hero-note { position: absolute; left: -24px; bottom: 24px; background: white; padding: 13px 17px; border-radius: 15px; box-shadow: 0 12px 30px rgba(16,42,67,.14); font-size: .83rem; color: var(--navy); font-weight: 750; }

.button-row { display: flex; flex-wrap: wrap; gap: 12px; align-items: center; }
.button { display: inline-flex; align-items: center; justify-content: center; gap: 7px; padding: 13px 19px; border: 1px solid transparent; border-radius: 11px; font-weight: 800; text-decoration: none; line-height: 1.25; transition: transform .2s ease, box-shadow .2s ease, background .2s ease; }
.button:hover { transform: translateY(-2px); color: white; }
.button-primary { background: var(--teal); color: white; box-shadow: 0 9px 20px rgba(22, 179, 163, .22); }
.button-primary:hover { background: var(--teal-dark); }
.button-secondary { background: #fff; color: var(--navy); border-color: #d9e3ec; }
.button-secondary:hover { background: var(--navy); }
.button-ad { background: var(--coral); color: white; box-shadow: 0 10px 22px rgba(240, 112, 91, .18); }
.button-ad:hover { background: #d85c4a; }
.button-ad-alt { background: var(--navy); color: white; box-shadow: 0 10px 22px rgba(16, 42, 67, .18); }
.button-ad-alt:hover { background: #1e4a70; }

.trust-strip { background: var(--navy); color: white; }
.ad-top-section { padding: 34px 0 0; }
.ad-top-section .cta-band { margin-bottom: 0; }
.ad-top-section + .section { padding-top: 38px; }
.trust-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; padding: 23px 0; }
.trust-item { display: flex; align-items: center; gap: 12px; color: #d8e6f2; font-size: .9rem; }
.trust-icon { color: #75e0cf; font-size: 1.25rem; }

.section { padding: 80px 0; }
.section-head { max-width: 700px; margin-bottom: 35px; }
.section-head p { color: var(--muted); margin: 0; }
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.card { background: var(--surface); border: 1px solid var(--line); border-radius: 18px; padding: 25px; box-shadow: 0 7px 25px rgba(16, 42, 67, .04); }
.card p { color: var(--muted); margin: 0; }
.card .card-number { color: var(--teal); font-weight: 900; font-size: .85rem; letter-spacing: .08em; }
.card h3 { margin-top: 9px; }
.card-link { display: inline-block; margin-top: 16px; font-weight: 800; text-decoration: none; }
.icon { width: 42px; height: 42px; display: grid; place-items: center; border-radius: 13px; background: #e8f8f5; color: var(--teal-dark); font-weight: 900; }
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: start; }
.calculator-wrap { display: grid; grid-template-columns: .9fr 1.1fr; gap: 28px; align-items: stretch; }
.calculator-card { background: var(--navy); color: white; border-radius: 24px; padding: 31px; box-shadow: var(--shadow); }
.calculator-card h2 { color: white; margin-bottom: 10px; }
.calculator-card > p { color: #c5d9e8; margin-top: 0; }
.calc-fields { display: grid; gap: 19px; margin-top: 26px; }
.calc-field label { display: flex; justify-content: space-between; gap: 14px; color: #e8f2f8; font-weight: 750; font-size: .92rem; }
.calc-value { color: #75e0cf; white-space: nowrap; }
.calc-field input[type="range"] { width: 100%; margin: 10px 0 7px; accent-color: var(--teal); cursor: pointer; }
.calc-number { width: 100%; padding: 9px 11px; border: 1px solid rgba(255,255,255,.22); border-radius: 9px; background: rgba(255,255,255,.09); color: white; font: inherit; }
.calc-number:focus { outline: 2px solid #75e0cf; outline-offset: 2px; }
.calc-results { display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px; padding: 27px; background: white; border: 1px solid var(--line); border-radius: 24px; box-shadow: var(--shadow); }
.calc-result { padding: 20px; border-radius: 15px; background: var(--soft); }
.calc-result.highlight { background: #e8f8f5; border: 1px solid #b9e9df; }
.calc-result-label { display: block; color: var(--muted); font-size: .84rem; margin-bottom: 5px; }
.calc-result strong { display: block; color: var(--navy); font-size: clamp(1.25rem, 2vw, 1.75rem); line-height: 1.2; }
.calc-note { grid-column: 1 / -1; margin: 4px 0 0; color: var(--muted); font-size: .82rem; line-height: 1.5; }
.soft-panel { background: white; border: 1px solid var(--line); border-radius: 22px; padding: 30px; box-shadow: var(--shadow); }
.soft-panel h3 { margin-top: 0; }
.check-list, .number-list { padding: 0; margin: 20px 0 0; list-style: none; }
.check-list li, .number-list li { position: relative; padding: 0 0 13px 28px; color: #526478; }
.check-list li::before { content: "✓"; position: absolute; left: 0; color: var(--teal); font-weight: 900; }
.number-list { counter-reset: item; }
.number-list li { counter-increment: item; padding-left: 38px; }
.number-list li::before { content: counter(item); position: absolute; left: 0; top: 1px; width: 25px; height: 25px; text-align: center; border-radius: 50%; background: #e8f8f5; color: var(--teal-dark); font-weight: 850; font-size: .84rem; }
.muted { color: var(--muted); }
.disclaimer { border-left: 4px solid var(--amber); background: #fff9ed; border-radius: 0 12px 12px 0; padding: 16px 18px; color: #76501b; font-size: .93rem; }

.page-hero { padding: 62px 0 48px; background: radial-gradient(circle at 88% 12%, rgba(22,179,163,.14), transparent 27%), #fff; }
.page-hero h1 { max-width: 800px; font-size: clamp(2.35rem, 5vw, 4rem); }
.page-hero p { max-width: 760px; color: var(--muted); font-size: 1.08rem; margin: 0; }
.breadcrumb { font-size: .84rem; margin-bottom: 19px; color: var(--muted); }
.breadcrumb a { text-decoration: none; }
.article { max-width: 820px; }
.article p, .article li { color: #526478; }
.article h2 { margin-top: 42px; }
.article h3 { margin-top: 28px; }
.article ul { padding-left: 22px; }
.cta-band { margin: 6px 0 40px; padding: 30px; background: linear-gradient(120deg, #102a43, #1d5478); color: white; border-radius: 22px; display: flex; align-items: center; justify-content: space-between; gap: 25px; }
.cta-band h2 { color: white; font-size: 1.65rem; margin-bottom: 8px; }
.cta-band p { margin: 0; color: #d9e9f5; }
.cta-buttons { display: flex; flex-wrap: wrap; gap: 10px; flex-shrink: 0; }
.cta-buttons p { margin: 0; }
.cta-band .button-ad { background: var(--coral); }
.cta-band .button-ad-alt { background: white; color: var(--navy); }
.cta-band .button-ad-alt:hover { color: white; background: #2c638a; }
.portal-callout { display: flex; align-items: center; gap: 17px; margin-top: 24px; padding: 20px 23px; background: linear-gradient(135deg, #e8f8f5, #f7fcfb); border: 1px solid #b9e9df; border-radius: 18px; box-shadow: 0 10px 25px rgba(16, 42, 67, .06); }
.portal-callout-icon { width: 45px; height: 45px; flex: 0 0 45px; display: grid; place-items: center; border-radius: 14px; color: white; background: var(--teal); font-size: 1.35rem; box-shadow: 0 8px 16px rgba(22, 179, 163, .22); }
.portal-callout p { margin: 0; }
.portal-callout-label { margin-bottom: 3px !important; color: var(--teal-dark); font-size: .74rem; font-weight: 850; letter-spacing: .12em; text-transform: uppercase; }
.portal-callout a { display: inline-flex; align-items: center; gap: 7px; color: var(--navy); font-size: 1.08rem; font-weight: 850; text-decoration: none; }
.portal-callout a::after { content: "↗"; color: var(--teal-dark); font-size: 1rem; transition: transform .2s ease; }
.portal-callout a:hover { color: var(--teal-dark); }
.portal-callout a:hover::after { transform: translate(2px, -2px); }
.faq { border-top: 1px solid var(--line); }
.faq details { padding: 20px 0; border-bottom: 1px solid var(--line); }
.faq summary { cursor: pointer; color: var(--navy); font-weight: 800; font-size: 1.05rem; }
.faq details p { margin: 13px 0 0; }
.table-wrap { overflow-x: auto; }
table { width: 100%; min-width: 580px; border-collapse: collapse; background: white; border: 1px solid var(--line); border-radius: 12px; overflow: hidden; }
th, td { padding: 14px 16px; text-align: left; border-bottom: 1px solid var(--line); }
th { color: var(--navy); background: #edf9f7; font-size: .9rem; }
td { color: var(--muted); }
tr:last-child td { border-bottom: 0; }

.site-footer { background: #0c2033; color: #b9cad9; padding: 44px 0 26px; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 40px; padding-bottom: 33px; border-bottom: 1px solid rgba(255,255,255,.12); }
.site-footer .brand { color: white; margin-bottom: 14px; }
.site-footer p { font-size: .9rem; margin: 0; max-width: 400px; }
.site-footer h3 { color: white; font-size: .95rem; letter-spacing: 0; }
.footer-links { display: grid; gap: 5px; }
.footer-links a { color: #b9cad9; text-decoration: none; font-size: .9rem; }
.footer-links a:hover { color: #75e0cf; }
.copyright { padding-top: 20px; color: #8398aa; font-size: .8rem; }

@media (max-width: 900px) {
  .nav { display: none; position: absolute; left: 20px; right: 20px; top: 70px; background: white; padding: 12px; border: 1px solid var(--line); border-radius: 15px; box-shadow: var(--shadow); }
  .nav.open { display: grid; }
  .nav-toggle { display: block; }
  .hero-grid, .split, .calculator-wrap { grid-template-columns: 1fr; gap: 38px; }
  .hero { padding-top: 52px; }
  .hero-art { max-width: 680px; }
  .cards { grid-template-columns: repeat(2, 1fr); }
  .cta-band { align-items: flex-start; flex-direction: column; }
}
@media (max-width: 600px) {
  .container { width: min(100% - 28px, 1140px); }
  .header-inner { min-height: 66px; }
  .hero { padding: 45px 0 52px; }
  h1 { font-size: 2.55rem; }
  .hero-art img { min-height: 250px; border-radius: 20px; }
  .hero-note { left: 14px; bottom: 14px; }
  .trust-grid, .cards, .footer-grid { grid-template-columns: 1fr; }
  .trust-grid { gap: 10px; }
  .section { padding: 58px 0; }
  .page-hero { padding: 45px 0 34px; }
  .soft-panel, .cta-band { padding: 22px; }
  .calculator-card, .calc-results { padding: 22px; }
  .calc-results { gap: 10px; }
  .portal-callout { align-items: flex-start; padding: 18px; }
  .button { width: 100%; }
  .button-row, .cta-buttons { width: 100%; }
}