:root{
  --accent:#2552c4;
  --accent-ink:#1d3f8f;
  --accent-soft:#e8eefc;
  --ink:#16202c;--muted:#5b6776;--line:#e3e8ee;--bg:#f6f8fa;--card:#fff;
  --good:#127a46;--warn:#9a5b00;--bad:#b42318;
  --r:14px;--shadow:0 1px 2px rgba(16,24,40,.04),0 6px 24px rgba(16,24,40,.06);
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font:16px/1.65 ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg)}
a{color:var(--accent-ink)}
img,svg{max-width:100%}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:9}

/* header */
.top{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:5}
.top .wrap{display:flex;align-items:center;gap:22px;min-height:64px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-weight:750;letter-spacing:-.01em;white-space:nowrap}
.brand svg{width:30px;height:30px;flex:none}
.brand b{color:var(--accent)}
.top nav{display:flex;gap:2px;flex-wrap:nowrap;flex:1;overflow-x:auto;scrollbar-width:none}
.top nav a{text-decoration:none;color:var(--muted);font-size:14.5px;font-weight:600;padding:8px 10px;border-radius:9px;white-space:nowrap}
.top nav a:hover{background:var(--bg);color:var(--ink)}
.top nav a[aria-current=page]{color:var(--accent-ink);background:var(--accent-soft)}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--accent);color:#fff;border:0;border-radius:10px;padding:12px 20px;font:inherit;font-weight:700;text-decoration:none;cursor:pointer;transition:filter .15s}
.btn:hover{filter:brightness(.93)}
.btn.ghost{background:transparent;color:var(--muted);border:1px solid var(--line)}
.btn.small{padding:9px 14px;font-size:14px}
.btn.big{padding:15px 26px;font-size:17px}

/* hero */
.hero{background:linear-gradient(180deg,#fff 0%,var(--bg) 100%);padding:34px 0 8px}
.hero h1{font-size:clamp(28px,4vw,42px);line-height:1.15;letter-spacing:-.025em;margin:6px 0 10px}
.lede{font-size:18px;color:var(--muted);max-width:760px;margin:0 0 6px}
.meta{font-size:13px;color:var(--muted);margin:6px 0 0}
.crumbs{font-size:13px;color:var(--muted)}.crumbs a{color:var(--muted)}

/* tool */
.tool{background:var(--card);border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--shadow);margin:22px 0;padding:22px}
.tool-title{margin:0 0 14px;font-size:22px;letter-spacing:-.01em}
.tool-grid{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,6fr);gap:28px;align-items:start}
.calc{display:grid;grid-template-columns:1fr 1fr;gap:14px 16px}
.field{display:flex;flex-direction:column;gap:5px;min-width:0}
.field .lab{font-size:13.5px;font-weight:650;color:#2b3645}
.field small{font-size:12px;color:var(--muted);line-height:1.4}
.inp{display:flex;align-items:center;border:1px solid #cfd6df;border-radius:10px;background:#fff;overflow:hidden;transition:border-color .15s,box-shadow .15s}
.inp:focus-within,select:focus{border-color:var(--accent);box-shadow:0 0 0 3px var(--accent-soft);outline:none}
.inp i{font-style:normal;color:var(--muted);padding:0 10px;font-size:14px;white-space:nowrap}
.inp.money i:first-child{padding-right:0}
.inp input{border:0;outline:0;font:inherit;font-size:16px;padding:10px 10px;width:100%;min-width:0;background:transparent;color:var(--ink)}
select{font:inherit;font-size:16px;padding:10px;border:1px solid #cfd6df;border-radius:10px;background:#fff;color:var(--ink)}
.actions{grid-column:1/-1;display:flex;gap:10px;margin-top:4px}
.results{background:var(--bg);border-radius:12px;padding:18px;border:1px solid var(--line);position:sticky;top:84px}
.bigs{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:12px}
.big{background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px}
.big-label{font-size:12.5px;font-weight:650;text-transform:uppercase;letter-spacing:.04em;color:var(--muted)}
.big-value{font-size:clamp(22px,3vw,30px);font-weight:800;letter-spacing:-.02em;color:var(--accent-ink);line-height:1.2;margin-top:4px;font-variant-numeric:tabular-nums}
.big-sub{font-size:12.5px;color:var(--muted);margin-top:2px}
.kv{display:flex;justify-content:space-between;gap:12px;padding:8px 2px;border-bottom:1px dashed var(--line);font-size:14.5px}
.kv span{color:#3a4655}.kv strong{font-variant-numeric:tabular-nums;white-space:nowrap}
.kv.hl strong{color:var(--accent-ink)}
.kv em{font-style:normal;font-size:12px;color:var(--accent-ink);font-weight:700}
.note{font-size:14px;padding:10px 12px;border-radius:10px;margin:12px 0 0;background:#fff;border-left:4px solid var(--line)}
.note.good{border-color:var(--good)}.note.warn{border-color:#e0a100}.note.bad{border-color:var(--bad)}
.chart{margin:14px 0 6px}.chart svg{width:100%;height:auto;display:block;background:#fff;border:1px solid var(--line);border-radius:12px}
.chart .axis{stroke:#cfd6df}.chart .area{fill:var(--accent-soft)}.chart .line{fill:none;stroke:var(--accent);stroke-width:2.5}
.chart .balloon-bar{stroke:var(--accent-ink);stroke-width:3;stroke-dasharray:4 3}.chart .balloon-dot{fill:var(--accent-ink)}
.chart .lbl{font-size:12px;fill:var(--muted);font-weight:600}
.chart figcaption{font-size:12px;color:var(--muted);margin-top:4px}
.schedule{margin-top:10px;background:#fff;border:1px solid var(--line);border-radius:12px}
.schedule summary{cursor:pointer;padding:10px 14px;font-weight:650;font-size:14px}
.table-wrap{overflow-x:auto;max-height:360px}
table{border-collapse:collapse;width:100%;font-size:13.5px;font-variant-numeric:tabular-nums}
th,td{text-align:right;padding:7px 10px;border-top:1px solid var(--line);white-space:nowrap}
th:first-child,td:first-child{text-align:left}
th{position:sticky;top:0;background:#fafbfc;font-size:12px;text-transform:uppercase;letter-spacing:.03em;color:var(--muted)}
.cta-inline{margin-top:14px;padding:14px;border-radius:12px;background:var(--accent-soft);display:flex;gap:14px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.cta-inline p{margin:0;font-size:14.5px;flex:1 1 220px}

/* content */
.content{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:8px 34px 26px;margin:22px 0}
.content h2{font-size:26px;letter-spacing:-.02em;line-height:1.25;margin:30px 0 10px}
.content h3{font-size:19px;margin:24px 0 6px}
.content p,.content li{max-width:780px}
.content table{margin:14px 0;max-width:780px}
.content .formula{background:var(--bg);border:1px solid var(--line);border-radius:10px;padding:12px 16px;font-family:ui-monospace,SFMono-Regular,Menlo,monospace;font-size:14.5px;max-width:780px;overflow-x:auto}
.content .callout{border-left:4px solid var(--accent);background:var(--accent-soft);padding:12px 16px;border-radius:0 10px 10px 0;max-width:780px}
.toc{background:var(--bg);border:1px solid var(--line);border-radius:12px;padding:12px 18px;margin:22px 0 4px;max-width:780px}
.toc p{margin:0 0 4px;font-weight:700;font-size:14px}.toc ol{margin:0;padding-left:20px;font-size:14.5px}
.faq{margin:22px 0}
.faq h2{font-size:26px;letter-spacing:-.02em}
.faq details{background:var(--card);border:1px solid var(--line);border-radius:12px;margin:8px 0}
.faq summary{cursor:pointer;padding:14px 18px;font-weight:650}
.faq details>div{padding:0 18px 12px;color:#2f3a48}
.cta-band{display:flex;gap:20px;align-items:center;justify-content:space-between;flex-wrap:wrap;background:var(--accent-ink);color:#fff;border-radius:var(--r);padding:26px 30px;margin:26px 0}
.cta-band h2{margin:0 0 4px;font-size:24px}.cta-band p{margin:0;opacity:.9;max-width:640px}
.cta-band .btn{background:#fff;color:var(--accent-ink)}
.related h2{font-size:22px}
.related ul{list-style:none;padding:0;display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:12px}
.related a{display:block;background:var(--card);border:1px solid var(--line);border-radius:12px;padding:14px 16px;text-decoration:none;color:var(--ink);height:100%}
.related a:hover{border-color:var(--accent)}
.related strong{display:block;color:var(--accent-ink)}.related span{font-size:14px;color:var(--muted)}

/* footer */
.foot{background:#0f1720;color:#c3ccd6;margin-top:40px;padding:34px 0 26px;font-size:14px}
.foot a{color:#e3e9ef;text-decoration:none}.foot a:hover{text-decoration:underline}
.foot-cols{display:grid;grid-template-columns:2fr 1fr 1fr;gap:24px}
.foot-brand{color:#fff;font-weight:750;font-size:16px;margin:0 0 6px}
.foot-h{color:#fff;font-weight:700;margin:0 0 6px}
.foot ul{list-style:none;padding:0;margin:0}.foot li{margin:4px 0}
.fine{font-size:12.5px;color:#8c98a6;margin-top:22px;border-top:1px solid #243140;padding-top:14px}

@media (max-width:1060px){.brand span{font-size:15px}}
@media (max-width:900px){
  .tool-grid{grid-template-columns:1fr}
  .results{position:static}
  .hdr-cta{display:none}
}
@media (max-width:640px){
  .top .wrap{flex-wrap:wrap;gap:6px 14px;padding-top:8px;padding-bottom:6px}
  .top nav{order:3;flex-basis:100%;overflow-x:auto;flex-wrap:nowrap}
  .top nav a{white-space:nowrap;padding:6px 9px}
  .calc{grid-template-columns:1fr}
  .bigs{grid-template-columns:1fr}
  .tool{padding:16px}
  .content{padding:4px 18px 18px}
  .foot-cols{grid-template-columns:1fr}
  .cta-band{padding:22px}
}