:root{
  --bg:#f4f7f8;
  --card:#ffffff;
  --ink:#162126;
  --muted:#5e6b72;
  --blue:#155d78;
  --blue2:#0d7a9b;
  --aqua:#dff3f7;
  --sand:#f1ebe3;
  --line:#d9e1e4;
  --ok:#e9f5ed;
  --shadow:0 14px 36px rgba(17,45,56,.08);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
  color:var(--ink);
  background:var(--bg);
  line-height:1.6;
}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
header{
  position:sticky;top:0;z-index:50;
  background:rgba(255,255,255,.95);
  backdrop-filter:blur(10px);
  border-bottom:1px solid var(--line);
}
.nav{
  max-width:1180px;margin:auto;padding:13px 20px;
  display:flex;align-items:center;justify-content:space-between;gap:18px;
}
.brand{display:flex;gap:10px;align-items:center;font-weight:850;color:var(--ink)}
.brand img{width:34px;height:34px}
.navlinks{display:flex;gap:15px;flex-wrap:wrap;font-size:.95rem}
.hero{
  max-width:1180px;margin:auto;padding:70px 20px 42px;
  display:grid;grid-template-columns:1.15fr .85fr;gap:30px;align-items:center;
}
.eyebrow{
  text-transform:uppercase;letter-spacing:.1em;font-weight:850;
  font-size:.78rem;color:var(--blue2);
}
.hero h1{font-size:clamp(2.5rem,6vw,5.3rem);line-height:.98;margin:10px 0 18px;letter-spacing:-.035em}
.hero p{font-size:1.15rem;color:var(--muted);max-width:760px}
.hero-panel,.card,.calc,.article,.feature{
  background:var(--card);border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow);
}
.hero-panel{padding:24px}
.hero-panel h3{margin-top:0}
.hero-stat{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:18px}
.hero-stat div{padding:14px;background:var(--aqua);border-radius:14px}
.hero-stat b{display:block;font-size:1.2rem}
.container{max-width:1180px;margin:auto;padding:0 20px 64px}
.section-title{font-size:2.05rem;margin:8px 0}
.section-sub{color:var(--muted);margin:0 0 20px}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.card{padding:22px}
.card h3{margin-top:0}
.card .tag{display:inline-block;background:var(--aqua);padding:5px 9px;border-radius:999px;font-size:.78rem;font-weight:800;margin-bottom:10px}
.btn{
  display:inline-block;border:0;border-radius:11px;padding:11px 16px;
  background:var(--blue);color:#fff;font:inherit;font-weight:800;cursor:pointer;
}
.btn.secondary{background:#fff;color:var(--blue);border:1px solid var(--blue)}
.btn:hover{text-decoration:none;filter:brightness(.96)}
.article{max-width:900px;margin:36px auto 64px;padding:30px}
.article h1{font-size:clamp(2.1rem,5vw,3.6rem);line-height:1.05;letter-spacing:-.025em}
.article h2{margin-top:32px}
.article h3{margin-top:24px}
.note{
  margin:20px 0;padding:15px 17px;border-left:4px solid var(--blue2);
  background:var(--aqua);border-radius:10px
}
.warning{
  margin:20px 0;padding:15px 17px;border-left:4px solid #a76b20;
  background:#fff3df;border-radius:10px
}
.calc{padding:24px;margin:22px 0}
.calc-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.calc-grid.three{grid-template-columns:repeat(3,1fr)}
label{display:block;font-weight:750;font-size:.94rem;margin-bottom:6px}
input,select{
  width:100%;padding:11px 12px;border:1px solid #c9d4d9;border-radius:10px;
  background:#fff;font:inherit;color:var(--ink)
}
.checkrow{display:flex;gap:10px;align-items:center;margin:8px 0}
.checkrow input{width:auto}
.result{
  margin-top:18px;padding:18px;border-radius:14px;background:var(--ok);border:1px solid #cfe5d6;
}
.result strong{font-size:1.15rem}
.metric{font-size:1.65rem;font-weight:850;color:var(--blue)}
.small{font-size:.88rem;color:var(--muted)}
.table-wrap{overflow-x:auto}
table{width:100%;border-collapse:collapse;margin:18px 0}
th,td{padding:11px 10px;border-bottom:1px solid var(--line);text-align:left}
th{background:#edf5f7}
.breadcrumbs{font-size:.88rem;color:var(--muted);margin-bottom:10px}
.callout-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:24px 0}
.feature{padding:18px}
footer{background:#fff;border-top:1px solid var(--line);padding:30px 20px;color:var(--muted)}
.footer-inner{max-width:1180px;margin:auto;display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}
.footer-links{display:flex;gap:14px;flex-wrap:wrap}
@media(max-width:850px){
  .hero{grid-template-columns:1fr;padding-top:46px}
  .grid,.grid2,.callout-grid{grid-template-columns:1fr}
  .calc-grid,.calc-grid.three{grid-template-columns:1fr}
  .nav{align-items:flex-start}
  .navlinks{justify-content:flex-end}
}