:root {
  --ink: #172033;
  --muted: #647084;
  --line: #dce3ed;
  --bg: #ffffff;
  --soft: #f5f7fb;
  --accent: #123a63;
  --accent-2: #0f7b8c;
  --good: #13795b;
  --bad: #b42318;
  --radius: 8px;
  --shadow: 0 18px 45px rgba(23, 32, 51, .08);
}

* { box-sizing: border-box; }
html { min-height: 100%; font-size: 16px; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--bg);
  font-family: system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.6;
}
a { color: inherit; text-decoration: none; }
input, button { font: inherit; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 16px clamp(18px, 4vw, 56px);
  background: rgba(255, 255, 255, .94);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(12px);
}

.brand { font-weight: 800; font-size: 1.1rem; color: var(--accent); }
.site-nav { display: flex; align-items: center; gap: 6px; }
.site-nav a { padding: 8px 12px; border-radius: var(--radius); color: var(--muted); font-weight: 650; }
.site-nav a:hover, .site-nav a:focus { background: var(--soft); color: var(--accent); }
.nav-toggle { display: none; border: 1px solid var(--line); background: #fff; border-radius: var(--radius); padding: 7px 10px; }

main { width: min(1120px, calc(100% - 36px)); margin: 0 auto; }
.hero {
  display: grid;
  grid-template-columns: minmax(0, 1.35fr) minmax(280px, .65fr);
  gap: clamp(24px, 5vw, 64px);
  align-items: center;
  min-height: 520px;
  padding: 56px 0 36px;
}

.eyebrow { margin: 0 0 8px; color: var(--accent-2); font-size: .78rem; font-weight: 800; letter-spacing: 0; text-transform: uppercase; }
h1, h2, h3 { margin: 0; line-height: 1.22; }
h1 { font-size: clamp(2.25rem, 6vw, 4.6rem); max-width: 760px; }
h2 { font-size: clamp(1.7rem, 3vw, 2.25rem); }
h3 { font-size: 1.06rem; }
.hero-copy > p:not(.eyebrow) { max-width: 680px; color: var(--muted); font-size: 1.1rem; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 28px; }
.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  padding: 10px 16px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #fff;
  color: var(--accent);
  font-weight: 800;
  cursor: pointer;
}
.button.primary { background: var(--accent); border-color: var(--accent); color: #fff; }
.hero-panel, .calculator, .tool-card {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #fff;
  box-shadow: var(--shadow);
}
.hero-panel { padding: 28px; }
.hero-panel span, .hero-panel small { display: block; color: var(--muted); }
.hero-panel strong { display: block; margin: 8px 0 12px; font-size: clamp(2rem, 4vw, 3rem); color: var(--good); }

.section { padding: 42px 0; }
.section-heading { display: flex; align-items: end; justify-content: space-between; gap: 16px; margin-bottom: 18px; }
.card-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 16px; }
.tool-card { display: flex; flex-direction: column; min-height: 210px; padding: 20px; transition: transform .18s ease, border-color .18s ease; }
.tool-card:hover { transform: translateY(-3px); border-color: #b8c6d8; }
.tool-card span { color: var(--accent-2); font-weight: 850; }
.tool-card p, .muted { color: var(--muted); }
.tool-card .card-link { margin-top: auto; color: #075cff; font-size: .95rem; font-weight: 850; }
.tool-card:hover .card-link { text-decoration: underline; text-underline-offset: 3px; }
.split { display: grid; grid-template-columns: .85fr 1.15fr; gap: 32px; align-items: start; }
.article-list { display: grid; gap: 10px; }
.article-list a {
  padding: 16px 18px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--soft);
  font-weight: 750;
}

.ad-box {
  margin: 8px 0 48px;
  display: grid;
  place-items: center;
  min-height: 96px;
  border: 1px dashed #aebbd0;
  border-radius: var(--radius);
  color: var(--muted);
  background: #fafcff;
}

.page-title { padding: 44px 0 22px; border-bottom: 1px solid var(--line); }
.page-title h1 { font-size: clamp(2rem, 5vw, 3.4rem); }
.page-title p { max-width: 760px; color: var(--muted); }
.calculator {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(280px, .8fr);
  gap: 24px;
  margin: 28px 0;
  padding: clamp(18px, 3vw, 28px);
}
.form-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 14px; }
.field { display: grid; gap: 6px; }
.field label { font-weight: 750; }
.field input {
  width: 100%;
  min-height: 44px;
  padding: 10px 12px;
  border: 1px solid #c9d3df;
  border-radius: var(--radius);
}
.form-actions { display: flex; gap: 10px; margin-top: 16px; }
.results {
  display: grid;
  gap: 10px;
  align-content: start;
  padding: 18px;
  border-radius: var(--radius);
  background: var(--soft);
}
.result-row { display: flex; justify-content: space-between; gap: 12px; padding: 10px 0; border-bottom: 1px solid var(--line); }
.result-row:last-child { border-bottom: 0; }
.result-row strong { text-align: right; }
.positive { color: var(--good); }
.negative { color: var(--bad); }
.content { max-width: 820px; padding: 44px 0 52px; }
.content h2 { margin-top: 30px; font-size: 1.45rem; }
.content p, .content li { color: #364255; }
.notice {
  margin: 20px 0;
  padding: 14px 16px;
  border-left: 4px solid var(--accent-2);
  background: #eef8fa;
  color: #23404a;
}
.site-footer {
  padding: 28px clamp(18px, 4vw, 56px);
  border-top: 1px solid var(--line);
  color: var(--muted);
  background: var(--soft);
}
.site-footer strong { color: var(--accent); }

@media (max-width: 860px) {
  .nav-toggle { display: inline-flex; }
  .site-nav {
    position: absolute;
    left: 18px;
    right: 18px;
    top: 60px;
    display: none;
    flex-direction: column;
    align-items: stretch;
    padding: 10px;
    border: 1px solid var(--line);
    border-radius: var(--radius);
    background: #fff;
    box-shadow: var(--shadow);
  }
  .site-nav.open { display: flex; }
  .hero, .calculator, .split { grid-template-columns: 1fr; }
  .hero { min-height: auto; padding-top: 38px; }
  .card-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}

@media (max-width: 560px) {
  main { width: min(100% - 28px, 1120px); }
  .card-grid, .form-grid { grid-template-columns: 1fr; }
  .hero-actions, .form-actions { flex-direction: column; }
  .button { width: 100%; }
}