:root{
  --ink:#141a1f; --ink2:#3d4852; --muted:#66727c; --line:#dfe4e8;
  --bg:#fbfcfd; --card:#ffffff; --navy:#12263a; --steel:#2f4858;
  --amber:#c98019; --amber-d:#a26812; --ok:#1f7a4d;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);
  font:16px/1.62 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif}
img{max-width:100%}
a{color:var(--steel)}
.wrap{max-width:1080px;margin:0 auto;padding:0 22px}
header.nav{background:var(--navy);color:#fff;position:sticky;top:0;z-index:20}
.nav-in{max-width:1080px;margin:0 auto;padding:.7rem 22px;display:flex;align-items:center;gap:1.4rem;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:.5rem;color:#fff;text-decoration:none;font-weight:700;letter-spacing:-.01em}
.brand svg{width:22px;height:22px}
nav.links{display:flex;gap:1.05rem;flex-wrap:wrap;margin-left:auto}
nav.links a{color:#c8d6e2;text-decoration:none;font-size:.9rem}
nav.links a:hover{color:#fff}
.hero{background:linear-gradient(160deg,#12263a 0%,#1d3b53 62%,#25506b 100%);color:#fff;padding:3.4rem 0 3rem}
.hero h1{font-size:clamp(1.8rem,4vw,2.7rem);line-height:1.14;margin:.5rem 0 .9rem;letter-spacing:-.02em;max-width:19ch}
.hero p{color:#cfdce6;max-width:56ch;margin:0 0 1.6rem;font-size:1.02rem}
.kicker{text-transform:uppercase;letter-spacing:.16em;font-size:.7rem;color:#9fb4c6;font-weight:700}
.btns{display:flex;gap:.7rem;flex-wrap:wrap}
.btn{display:inline-block;background:var(--amber);color:#1a1206;text-decoration:none;font-weight:700;
  padding:.7rem 1.15rem;border-radius:8px;font-size:.94rem}
.btn:hover{background:var(--amber-d);color:#fff}
.btn.ghost{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.42)}
.btn.ghost:hover{background:rgba(255,255,255,.12)}
main{padding:2.6rem 0 3.4rem}
h2{font-size:1.42rem;letter-spacing:-.01em;margin:2.4rem 0 .8rem}
h3{font-size:1.1rem;margin:1.7rem 0 .5rem}
p{margin:0 0 1rem}
.lede{font-size:1.06rem;color:var(--ink2)}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(248px,1fr));gap:1rem;margin:1.4rem 0}
.card{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:1.15rem 1.2rem;text-decoration:none;color:inherit;display:block}
.card:hover{border-color:var(--steel);box-shadow:0 3px 14px rgba(18,38,58,.07)}
.card .tag{font-size:.66rem;letter-spacing:.13em;text-transform:uppercase;color:var(--amber);font-weight:700}
.card h3{margin:.35rem 0 .45rem;font-size:1.04rem}
.card p{margin:0;color:var(--muted);font-size:.9rem;line-height:1.55}
table{width:100%;border-collapse:collapse;margin:1.2rem 0;font-size:.93rem}
th,td{text-align:left;padding:.6rem .7rem;border-bottom:1px solid var(--line)}
th{background:#eef2f5;font-size:.78rem;text-transform:uppercase;letter-spacing:.06em;color:var(--ink2)}
tbody tr:nth-child(even){background:#f7f9fa}
.note{border-left:3px solid var(--amber);background:#fff8ec;padding:.9rem 1.1rem;border-radius:0 8px 8px 0;margin:1.4rem 0;font-size:.94rem}
.note strong{color:var(--amber-d)}
.calc{display:grid;grid-template-columns:minmax(280px,1fr) minmax(280px,1fr);gap:1.2rem;align-items:start}
@media(max-width:760px){.calc{grid-template-columns:1fr}}
.panel{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:1.2rem}
.field{margin-bottom:.9rem}
label{display:block;font-size:.8rem;font-weight:600;color:var(--ink2);margin-bottom:.3rem}
input,select{width:100%;padding:.55rem .65rem;border:1px solid #cbd4db;border-radius:7px;font:inherit;font-size:.95rem;background:#fff}
input:focus,select:focus{outline:2px solid var(--steel);outline-offset:1px;border-color:var(--steel)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:.7rem}
.out{font-size:2.15rem;font-weight:800;color:var(--navy);letter-spacing:-.02em;line-height:1.1;margin:.2rem 0 .1rem}
.outsub{color:var(--muted);font-size:.88rem;margin-bottom:.9rem}
.brk{font-size:.9rem}
.brk div{display:flex;justify-content:space-between;padding:.34rem 0;border-bottom:1px dashed var(--line)}
.brk div:last-child{border-bottom:0;font-weight:700}
footer{background:#0e1c28;color:#a9bccb;padding:2.2rem 0;font-size:.87rem;margin-top:2rem}
.fgrid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:1.6rem}
@media(max-width:760px){.fgrid{grid-template-columns:1fr 1fr}}
footer h4{color:#fff;font-size:.78rem;text-transform:uppercase;letter-spacing:.12em;margin:0 0 .6rem}
footer a{color:#a9bccb;text-decoration:none;display:block;margin-bottom:.32rem}
footer a:hover{color:#fff}
.crumb{font-size:.82rem;color:var(--muted);margin-bottom:.4rem}
.crumb a{color:var(--muted);text-decoration:none}
.disc{font-size:.78rem;color:var(--muted);border-top:1px solid var(--line);padding-top:1rem;margin-top:2rem}