:root{--navy:#17324d;--blue:#246bce;--teal:#1b8a78;--bg:#f5f8fb;--card:#fff;--text:#183047;--muted:#617487;--line:#dce5ed}
*{box-sizing:border-box}body{margin:0;font-family:system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;background:var(--bg);color:var(--text);line-height:1.55}
a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}.wrap{max-width:1120px;margin:auto;padding:0 18px}
header{background:var(--navy);color:#fff}.nav{min-height:68px;display:flex;align-items:center;justify-content:space-between;gap:20px}.brand{font-size:1.45rem;font-weight:800;color:#fff}.navlinks{display:flex;gap:18px;flex-wrap:wrap}.navlinks a{color:#eaf3fb;font-weight:650}
.hero{padding:42px 0 24px}.hero h1{font-size:clamp(2rem,5vw,3.2rem);line-height:1.08;margin:.2em 0}.hero p{color:var(--muted);font-size:1.08rem;max-width:760px}
.ad{min-height:90px;border:1px dashed #b9c6d1;background:#fff;margin:22px 0;display:flex;align-items:center;justify-content:center;color:#788895;font-size:.85rem}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:16px}.card{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:20px;box-shadow:0 3px 12px rgba(20,45,70,.05)}
.calculator{max-width:760px;margin:0 auto;background:#fff;border:1px solid var(--line);border-radius:16px;padding:24px;box-shadow:0 6px 22px rgba(20,45,70,.07)}
.formgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:15px}label{font-weight:700;display:block;margin-bottom:10px}input,select{width:100%;padding:12px;border:1px solid #bccbd8;border-radius:9px;font-size:1rem;margin-top:6px}
button{border:0;border-radius:9px;background:var(--blue);color:#fff;padding:12px 18px;font-weight:800;font-size:1rem;cursor:pointer;margin-top:16px}
.result{margin-top:20px;padding:18px;border-radius:12px;background:#eef8f5;border:1px solid #bfe2d8}.result strong{font-size:1.4rem}
footer{margin-top:50px;background:#10283e;color:#dbe8f2;padding:35px 0}.footergrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:25px}.pill{display:inline-block;padding:5px 9px;border-radius:999px;background:#eaf2fb;color:#24537d;font-size:.8rem;font-weight:800}
@media(max-width:700px){.nav{align-items:flex-start;padding:15px 0;flex-direction:column}.footergrid{grid-template-columns:1fr}}

.results-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:12px;margin-top:18px}.result-box{background:#f7fafc;border:1px solid var(--line);border-radius:10px;padding:14px}.result-box span{display:block;color:var(--muted);font-size:.84rem}.result-box strong{font-size:1.15rem}.explain{margin-top:28px}.faq details{background:#fff;border:1px solid var(--line);border-radius:10px;padding:14px 16px;margin:10px 0}.faq summary{font-weight:800;cursor:pointer}.note{padding:12px 15px;border-left:4px solid var(--blue);background:#f3f7fb;margin:18px 0}