:root{
  --bg:#f5f7fb;--card:#fff;--ink:#172033;--muted:#667085;--line:#e4e8f0;
  --brand:#3157d5;--brand-dark:#203ea3;--soft:#eaf0ff;--ok:#157347;
  --shadow:0 16px 42px rgba(24,39,75,.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(--ink);line-height:1.65}
a{color:var(--brand)}
.container{width:min(1120px,calc(100% - 32px));margin:auto}
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.nav{min-height:68px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.logo{font-size:22px;font-weight:900;text-decoration:none;color:var(--ink);letter-spacing:-.7px}
.logo span{color:var(--brand)}
.nav-links{display:flex;gap:18px;align-items:center}
.nav-links a{text-decoration:none;color:var(--muted);font-weight:700;font-size:14px}
.hero{padding:76px 0 54px;background:linear-gradient(145deg,#edf2ff,#fff 58%,#edf7ff)}
.eyebrow{display:inline-flex;padding:7px 12px;background:var(--soft);color:var(--brand-dark);border-radius:999px;font-weight:800;font-size:13px}
h1{font-size:clamp(38px,6vw,66px);line-height:1.02;letter-spacing:-2.4px;margin:18px 0}
.hero p{font-size:19px;color:var(--muted);max-width:760px}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}
.btn{display:inline-flex;align-items:center;justify-content:center;border:0;border-radius:12px;padding:13px 17px;font-weight:850;text-decoration:none;cursor:pointer;font:inherit}
.btn-primary{background:var(--brand);color:#fff}
.btn-primary:hover{background:var(--brand-dark)}
.btn-light{background:#fff;color:var(--ink);border:1px solid var(--line)}
.section{padding:54px 0}
.section h2{font-size:clamp(28px,4vw,40px);line-height:1.15;letter-spacing:-1.2px;margin:0 0 12px}
.section-lead{color:var(--muted);max-width:760px;margin:0 0 30px}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.card{background:var(--card);border:1px solid var(--line);border-radius:18px;padding:22px;box-shadow:var(--shadow)}
.card h3{margin:8px 0 8px;font-size:19px;line-height:1.3}
.card p{color:var(--muted);margin:0 0 18px}
.card a{text-decoration:none;font-weight:850}
.icon{font-size:28px}
.page-head{padding:50px 0 24px}
.breadcrumb{font-size:14px;color:var(--muted)}
.breadcrumb a{text-decoration:none}
.two-col{display:grid;grid-template-columns:minmax(0,1fr) 330px;gap:24px;align-items:start}
.tool{background:#fff;border:1px solid var(--line);border-radius:20px;padding:26px;box-shadow:var(--shadow)}
.tool h1{font-size:clamp(32px,5vw,48px);margin:8px 0 12px;letter-spacing:-1.5px}
.tool-intro{color:var(--muted);font-size:17px}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:24px}
.field label{display:block;font-weight:800;font-size:14px;margin-bottom:7px}
.field input,.field select{width:100%;border:1px solid #ccd3df;border-radius:12px;padding:12px 13px;font:inherit;background:#fff;color:var(--ink);outline:none}
.field input:focus,.field select:focus{border-color:var(--brand);box-shadow:0 0 0 4px rgba(49,87,213,.12)}
.full{grid-column:1/-1}
.calculate{width:100%;margin-top:6px;background:var(--brand);color:#fff}
.result{display:none;margin-top:20px;padding:18px;border-radius:14px;background:#edf8f1;border:1px solid #cce8d6;color:#174d30}
.result.show{display:block}
.result strong{display:block;font-size:23px;margin-bottom:4px}
.note{font-size:13px;color:var(--muted);margin-top:8px}
.sidebar .card{margin-bottom:18px;box-shadow:none}
.sidebar h3{margin-top:0}
.article{background:#fff;border:1px solid var(--line);border-radius:20px;padding:30px;margin-top:24px}
.article h2{font-size:28px;margin-top:32px;line-height:1.2}
.article h2:first-child{margin-top:0}
.article h3{margin-top:26px}
.article p,.article li{color:#354052}
.article table{width:100%;border-collapse:collapse;margin:18px 0}
.article th,.article td{border:1px solid var(--line);padding:10px;text-align:left}
.callout{padding:16px;border-left:4px solid var(--brand);background:var(--soft);border-radius:0 12px 12px 0}
.partner-box{display:none;background:#fff8e6;border:1px solid #f2dc9a;border-radius:16px;padding:18px;margin-top:20px}
.partner-box.show{display:block}
.partner-box a{font-weight:850}
.faq details{border-top:1px solid var(--line);padding:15px 0}
.faq summary{cursor:pointer;font-weight:800}
.footer{margin-top:54px;padding:34px 0;background:#111827;color:#cdd4df}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:20px}
.footer a{color:#e7ebf2;text-decoration:none}
.footer small{color:#9aa4b2}
.legal{max-width:850px;margin:50px auto;background:#fff;border:1px solid var(--line);border-radius:20px;padding:30px}
.ad-slot{display:none}
@media(max-width:860px){.grid{grid-template-columns:1fr 1fr}.two-col{grid-template-columns:1fr}.sidebar{display:grid;grid-template-columns:1fr 1fr;gap:18px}.sidebar .card{margin:0}.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:620px){.nav-links{display:none}.hero{padding-top:52px}.grid,.form-grid,.sidebar,.footer-grid{grid-template-columns:1fr}h1{letter-spacing:-1.4px}.tool,.article{padding:20px}}