:root{
  --bg:#FAF7F2;
  --surface:#FFFFFF;
  --ink:#1B2A2F;
  --muted:#52646B;
  --primary:#0B5563;
  --primary-dark:#083E49;
  --accent:#C2410C;
  --accent-soft:#FDEBDD;
  --line:#E3DDD2;
  --ok:#1F6B3A;
  --radius:14px;
  --maxw:1080px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font:17px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;-webkit-text-size-adjust:100%}
img,svg{max-width:100%;height:auto}
a{color:var(--primary);text-underline-offset:3px}
a:hover{color:var(--primary-dark)}
:focus-visible{outline:3px solid var(--accent);outline-offset:2px;border-radius:4px}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:var(--primary);color:#fff;padding:10px 14px;z-index:99}
.skip:focus{left:10px;top:10px}

/* Header */
.site-header{background:var(--surface);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:12px;padding-bottom:12px;flex-wrap:wrap}
.brand{font-weight:800;font-size:1.35rem;letter-spacing:-.02em;color:var(--primary);text-decoration:none}
.brand span{color:var(--accent)}
.nav{display:flex;flex-wrap:wrap;gap:4px 18px}
.nav a{color:var(--ink);text-decoration:none;font-weight:600;font-size:.95rem;padding:10px 4px;min-height:44px;display:inline-flex;align-items:center;border-bottom:2px solid transparent}
.nav a:hover,.nav a[aria-current="page"]{border-bottom-color:var(--accent);color:var(--primary-dark)}

/* Hero */
.hero{padding:56px 0 36px}
.hero h1{font-size:clamp(2rem,5vw,3.1rem);line-height:1.12;letter-spacing:-.03em;margin:0 0 14px;max-width:18ch}
.hero p.lead{font-size:1.2rem;color:var(--muted);max-width:60ch;margin:0 0 24px}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:12px 22px;border-radius:10px;background:var(--accent);color:#fff;font-weight:700;text-decoration:none;border:0;cursor:pointer;font-size:1rem}
.btn:hover{background:#9A3412;color:#fff}
.btn.ghost{background:transparent;color:var(--primary);border:2px solid var(--primary)}
.btn.ghost:hover{background:var(--primary);color:#fff}
.hero .btn{margin:0 10px 12px 0}
@media(max-width:820px){.site-header{position:static}}

/* Cards grid */
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:18px}
.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:22px}
.card h3{margin:0 0 8px;font-size:1.15rem}
.card p{margin:0 0 14px;color:var(--muted);font-size:.98rem}
.card a.more{font-weight:700}
.tag{display:inline-block;font-size:.78rem;font-weight:700;letter-spacing:.04em;text-transform:uppercase;color:var(--primary);background:#E3F1F3;padding:3px 10px;border-radius:99px;margin-bottom:10px}

/* Sections */
section.block{padding:34px 0}
section.block>.wrap>h2{font-size:1.7rem;letter-spacing:-.02em;margin:0 0 18px}
.trust{background:var(--surface);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.trust ul{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:18px}
.trust li strong{display:block;color:var(--primary)}

/* Calculators */
.page-title{padding:34px 0 10px}
.page-title h1{font-size:clamp(1.8rem,4vw,2.5rem);line-height:1.15;letter-spacing:-.025em;margin:0 0 10px}
.page-title p{color:var(--muted);max-width:68ch;margin:0}
.crumbs{font-size:.9rem;color:var(--muted);margin-bottom:10px}
.crumbs a{color:var(--muted)}
.calc{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin:22px 0 10px;align-items:start}
@media(max-width:820px){.calc{grid-template-columns:1fr}}
.panel{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:22px}
.panel h2{font-size:1.1rem;margin:0 0 14px}
.field{margin-bottom:16px}
.field label{display:block;font-weight:600;margin-bottom:6px;font-size:.96rem}
.field .hint{display:block;font-weight:400;color:var(--muted);font-size:.86rem;margin-top:2px}
.field input,.field select{width:100%;min-height:48px;padding:10px 12px;font:inherit;border:1.5px solid #B9B2A4;border-radius:10px;background:#fff;color:var(--ink)}
.field input:focus,.field select:focus{border-color:var(--primary);outline:3px solid #BFE0E5}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media(max-width:480px){.row2{grid-template-columns:1fr}}
.result{background:var(--primary);color:#fff;border-color:var(--primary)}
.result h2{color:#fff}
.big{font-size:2.3rem;font-weight:800;letter-spacing:-.02em;line-height:1.1;margin:4px 0 4px}
.big small{display:block;font-size:.9rem;font-weight:500;opacity:.85;letter-spacing:0;margin-bottom:4px}
.kv{margin:16px 0 0;padding:0;list-style:none;border-top:1px solid rgba(255,255,255,.25)}
.kv li{display:flex;justify-content:space-between;gap:12px;padding:9px 0;border-bottom:1px solid rgba(255,255,255,.2);font-size:.97rem}
.kv li span:last-child{font-weight:700;text-align:right}
.note-box{margin-top:14px;font-size:.88rem;opacity:.92}
.err{color:#FFD9C7;font-weight:600}
.panel .err{color:#B42318}
.table-wrap{overflow-x:auto;margin-top:14px}
table.data{width:100%;border-collapse:collapse;font-size:.92rem}
table.data th,table.data td{padding:8px 10px;border-bottom:1px solid var(--line);text-align:right;white-space:nowrap}
table.data th:first-child,table.data td:first-child{text-align:left}
table.data thead th{background:#F1ECE2;position:sticky;top:0}

/* Article */
.article{max-width:760px;margin:30px 0 20px}
.article h2{font-size:1.5rem;letter-spacing:-.02em;margin:38px 0 10px;line-height:1.25}
.article h3{font-size:1.15rem;margin:26px 0 6px}
.article p,.article li{max-width:70ch}
.article ul,.article ol{padding-left:22px}
.article table{border-collapse:collapse;width:100%;margin:14px 0;font-size:.95rem;display:block;overflow-x:auto}
.article th,.article td{border:1px solid var(--line);padding:8px 12px;text-align:left}
.article th{background:#F1ECE2}
.callout{background:var(--accent-soft);border-left:5px solid var(--accent);padding:14px 18px;border-radius:8px;margin:20px 0}
.callout strong{color:#7C2D12}
.sources{font-size:.95rem}
.faq details{background:var(--surface);border:1px solid var(--line);border-radius:10px;padding:2px 16px;margin-bottom:10px}
.faq summary{cursor:pointer;font-weight:700;padding:12px 0;min-height:44px}
.faq details[open] summary{border-bottom:1px solid var(--line);margin-bottom:8px}
.updated{color:var(--muted);font-size:.9rem}

/* Footer */
.site-footer{margin-top:50px;background:#12262B;color:#D5DEE0;padding:34px 0 24px;font-size:.93rem}
.site-footer a{color:#F4C9AE}
.site-footer .cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:24px}
.site-footer h4{margin:0 0 8px;color:#fff;font-size:1rem}
.site-footer ul{list-style:none;margin:0;padding:0}
.site-footer li{padding:4px 0}
.site-footer .disc{border-top:1px solid #2B444B;margin-top:22px;padding-top:16px;font-size:.85rem;color:#A9B8BC}