:root {
  --ink: #10263f;
  --ink-soft: #29435d;
  --muted: #65758a;
  --paper: #f7f4ee;
  --card: #ffffff;
  --line: #e3e8ed;
  --accent: #f28b4b;
  --accent-dark: #cb6030;
  --mint: #d9eee7;
  --blue-wash: #eaf0f8;
  --shadow: 0 18px 50px rgba(16, 38, 63, .10);
  --radius: 18px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; color: var(--ink); background: var(--paper); font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif; line-height: 1.65; font-size: 16px; }
a { color: inherit; }
img { max-width: 100%; }
.skip-link { position: absolute; left: -999px; top: 8px; z-index: 50; background: var(--accent); padding: 10px 15px; border-radius: 8px; }
.skip-link:focus { left: 8px; }
.container { width: min(1160px, calc(100% - 40px)); margin: 0 auto; }
.site-header { position: sticky; top: 0; z-index: 20; background: rgba(247,244,238,.94); backdrop-filter: blur(12px); border-bottom: 1px solid rgba(16,38,63,.08); }
.nav { min-height: 76px; display: flex; gap: 34px; align-items: center; justify-content: space-between; }
.brand { display: inline-flex; align-items: center; gap: 12px; text-decoration: none; font-weight: 800; letter-spacing: -.03em; font-size: 20px; }
.brand-mark { display: grid; place-items: center; width: 38px; height: 38px; border-radius: 12px; color: white; background: var(--ink); font-weight: 900; }
.nav-links { display: flex; align-items: center; gap: 24px; font-size: 14px; font-weight: 700; }
.nav-links a { text-decoration: none; color: var(--ink-soft); }
.nav-links a:hover, .nav-links a[aria-current="page"] { color: var(--accent-dark); }
.nav-cta, .button { display: inline-flex; align-items: center; justify-content: center; border: 0; border-radius: 999px; padding: 12px 19px; background: var(--accent); color: #241710 !important; font-weight: 800; text-decoration: none; box-shadow: 0 8px 20px rgba(242,139,75,.22); transition: transform .2s ease, background .2s ease; }
.nav-cta:hover, .button:hover { transform: translateY(-2px); background: #ff9b5a; }
.button.secondary { background: var(--ink); color: white !important; box-shadow: none; }
.button.ghost { background: transparent; color: var(--ink) !important; box-shadow: none; border: 1px solid var(--line); }
.eyebrow { color: var(--accent-dark); font-size: 12px; font-weight: 900; letter-spacing: .13em; text-transform: uppercase; }
.hero { padding: 82px 0 74px; background: radial-gradient(circle at 90% 10%, #d7e6eb 0, transparent 33%), linear-gradient(130deg, #f7f4ee 0%, #eef3f6 100%); }
.hero-grid { display: grid; grid-template-columns: minmax(0, 1.05fr) minmax(340px, .95fr); gap: 70px; align-items: center; }
h1, h2, h3 { margin: 0 0 18px; line-height: 1.12; letter-spacing: -.045em; }
h1 { max-width: 680px; font-size: clamp(42px, 6vw, 72px); }
h2 { font-size: clamp(30px, 4vw, 48px); }
h3 { font-size: 22px; }
p { margin: 0 0 18px; }
.lead { max-width: 620px; color: var(--ink-soft); font-size: 20px; line-height: 1.55; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 13px; margin: 30px 0 24px; }
.microcopy { color: var(--muted); font-size: 13px; }
.calculator { padding: 28px; border-radius: 24px; background: var(--ink); color: white; box-shadow: var(--shadow); }
.calculator h2 { color: white; font-size: 28px; margin-bottom: 8px; }
.calculator .calc-intro { color: #cbd7e2; font-size: 14px; margin-bottom: 20px; }
.calc-fields { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.field { display: grid; gap: 6px; }
.field.full { grid-column: 1 / -1; }
.field label { color: #d5e0e8; font-size: 13px; font-weight: 700; }
.field input { width: 100%; border: 1px solid #49627a; border-radius: 10px; padding: 12px 13px; background: #1b3650; color: white; font: inherit; }
.field input:focus { outline: 3px solid rgba(242,139,75,.45); border-color: var(--accent); }
.calc-result { margin-top: 22px; padding: 18px; border-radius: 14px; background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.16); }
.result-kicker { color: #bad0dd; font-size: 12px; text-transform: uppercase; letter-spacing: .1em; font-weight: 800; }
.result-number { display: block; margin: 4px 0 8px; font-size: 33px; line-height: 1; font-weight: 900; }
.result-text { color: #d5e0e8; font-size: 14px; }
.notice { display: flex; gap: 10px; margin-top: 16px; color: #b4c3d0; font-size: 12px; line-height: 1.5; }
.notice strong { color: white; }
.trust-strip { border-bottom: 1px solid var(--line); background: white; }
.trust-items { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; padding: 18px 0; }
.trust-item { display: flex; align-items: center; gap: 12px; color: var(--ink-soft); font-size: 14px; }
.trust-icon { display: grid; place-items: center; flex: 0 0 34px; height: 34px; border-radius: 50%; background: var(--mint); color: #236351; font-weight: 900; }
.section { padding: 92px 0; }
.section.alt { background: white; }
.section-heading { display: flex; justify-content: space-between; align-items: end; gap: 30px; margin-bottom: 34px; }
.section-heading p { max-width: 510px; color: var(--muted); }
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.card { display: flex; flex-direction: column; padding: 24px; background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); }
.card:hover { box-shadow: 0 14px 35px rgba(16,38,63,.08); }
.card .card-link { margin-top: auto; color: var(--accent-dark); font-weight: 800; text-decoration: none; }
.card .card-link::after { content: "  →"; }
.tag { align-self: flex-start; margin-bottom: 20px; padding: 5px 9px; border-radius: 999px; background: var(--blue-wash); color: #43627c; font-size: 11px; font-weight: 900; text-transform: uppercase; letter-spacing: .08em; }
.split { display: grid; grid-template-columns: .85fr 1.15fr; gap: 70px; align-items: start; }
.number-list { display: grid; gap: 17px; margin: 0; padding: 0; list-style: none; }
.number-list li { display: grid; grid-template-columns: 42px 1fr; gap: 15px; align-items: start; }
.number-list b { display: grid; place-items: center; width: 38px; height: 38px; border-radius: 50%; background: var(--accent); }
.number-list strong { display: block; margin-bottom: 2px; }
.number-list span { color: var(--muted); font-size: 14px; }
.callout { padding: 30px; border-radius: var(--radius); background: var(--mint); }
.callout p { color: #315a50; }
.highlight-promo { margin: 0 0 76px; padding: 22px 26px; border: 1px solid #f2c49f; border-radius: var(--radius); background: linear-gradient(135deg, #fff8ef, #fff1df); box-shadow: 0 12px 28px rgba(203,96,48,.08); text-align: center; }
.highlight-promo p { margin: 0; color: var(--ink-soft); font-size: 18px; font-weight: 700; }
.highlight-promo a { color: var(--accent-dark); text-decoration-thickness: 2px; text-underline-offset: 3px; }
.article-hero { padding: 70px 0 52px; background: linear-gradient(130deg, #f7f4ee 0%, #eaf0f8 100%); }
.article-hero h1 { max-width: 800px; font-size: clamp(40px, 6vw, 62px); }
.article-hero .lead { max-width: 760px; }
.article-layout { display: grid; grid-template-columns: minmax(0, 1fr) 290px; gap: 60px; padding-top: 68px; }
.prose { max-width: 760px; }
.prose h2 { font-size: 32px; margin-top: 42px; }
.prose h3 { margin-top: 28px; }
.prose p, .prose li { color: var(--ink-soft); }
.prose ul { padding-left: 22px; }
.sidebar { position: sticky; top: 100px; align-self: start; padding: 22px; border: 1px solid var(--line); border-radius: var(--radius); background: white; }
.sidebar h3 { font-size: 18px; }
.sidebar a { display: block; padding: 8px 0; color: var(--ink-soft); text-decoration: none; font-size: 14px; border-bottom: 1px solid var(--line); }
.sidebar a:last-child { border-bottom: 0; }
.faq { display: grid; gap: 12px; }
details { padding: 18px 20px; border: 1px solid var(--line); border-radius: 13px; background: white; }
summary { cursor: pointer; font-weight: 800; }
details p { margin: 14px 0 0; color: var(--muted); }
.cta-band { padding: 58px 0; background: var(--ink); color: white; }
.cta-band .cta-inner { display: flex; align-items: center; justify-content: space-between; gap: 30px; }
.cta-band h2 { max-width: 680px; color: white; font-size: 36px; }
.cta-band p { max-width: 630px; color: #cbd7e2; }
.site-footer { padding: 46px 0 28px; background: #0b1d31; color: #b7c5d2; }
.footer-grid { display: grid; grid-template-columns: 1.3fr 1fr 1fr; gap: 40px; padding-bottom: 35px; }
.site-footer .brand { color: white; }
.site-footer h3 { color: white; font-size: 16px; letter-spacing: 0; }
.site-footer a { display: block; margin: 7px 0; color: #b7c5d2; text-decoration: none; font-size: 14px; }
.site-footer a:hover { color: white; }
.footer-note { padding-top: 18px; border-top: 1px solid #29435d; font-size: 12px; line-height: 1.55; }
.mobile-menu { display: none; }
@media (max-width: 860px) {
  .nav { gap: 14px; }
  .nav-links { display: none; }
  .mobile-menu { display: inline-flex; padding: 10px 12px; border: 1px solid var(--line); border-radius: 10px; background: transparent; color: var(--ink); font: inherit; font-weight: 800; }
  .mobile-menu[aria-expanded="true"] + .nav-links { display: grid; position: absolute; left: 20px; right: 20px; top: 68px; padding: 18px; background: white; border: 1px solid var(--line); border-radius: 14px; box-shadow: var(--shadow); }
  .nav-cta { display: none; }
  .hero-grid, .split, .article-layout { grid-template-columns: 1fr; gap: 34px; }
  .article-layout { padding-top: 42px; }
  .sidebar { position: static; order: -1; }
  .cards { grid-template-columns: 1fr 1fr; }
  .trust-items { grid-template-columns: 1fr; gap: 12px; }
  .cta-band .cta-inner { display: grid; }
}
@media (max-width: 560px) {
  .container { width: min(100% - 28px, 1160px); }
  .hero { padding: 56px 0; }
  .section { padding: 62px 0; }
  .calc-fields, .cards, .footer-grid { grid-template-columns: 1fr; }
  .field.full { grid-column: auto; }
  .calculator { padding: 21px; }
  .section-heading { display: grid; gap: 0; }
  .hero-actions { display: grid; }
  .button { width: 100%; }
}