:root{--bg:#f5f7fb;--card:#fff;--text:#162033;--muted:#5d687a;--line:#dfe5ee;--accent:#1769e0;--accent2:#0d4fae;--good:#16734a}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"SF Pro Display","SF Pro Text","Segoe UI",Roboto,Helvetica,Arial,sans-serif;background:var(--bg);color:var(--text);line-height:1.65}
a{color:var(--accent);text-decoration:none}a:hover{text-decoration:underline}.wrap{max-width:1080px;margin:auto;padding:0 18px}
header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}.nav{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:64px}.brand{font-weight:750;font-size:20px;letter-spacing:-.025em;color:var(--text)}.navlinks{display:flex;gap:16px;flex-wrap:wrap;font-size:14px}
.hero{padding:52px 0 28px}.hero h1{font-family:-apple-system,BlinkMacSystemFont,"SF Pro Display","Segoe UI",sans-serif;font-size:clamp(32px,5vw,50px);font-weight:750;letter-spacing:-.035em;line-height:1.08;margin:0 0 14px}.hero p{font-size:18px;color:var(--muted);max-width:760px}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.card{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:22px;box-shadow:0 4px 16px rgba(22,32,51,.04)}.card h2,.card h3{margin-top:0;letter-spacing:-.018em}.card h3{font-weight:700}
main{padding-bottom:50px}.section{padding:24px 0}.eyebrow{font-size:13px;text-transform:uppercase;letter-spacing:.08em;color:var(--accent);font-weight:800}
.formgrid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}.field label{display:block;font-weight:650;font-size:14px;letter-spacing:-.005em;margin-bottom:6px}.field input,.field select{width:100%;padding:13px 14px;border:1px solid #cbd4e0;border-radius:12px;font-size:16px;background:#fff;font-family:inherit;font-variant-numeric:tabular-nums}.btn{border:0;border-radius:10px;padding:12px 18px;background:var(--accent);color:#fff;font-weight:750;font-size:15px;cursor:pointer}.btn:hover{background:var(--accent2)}
.results{margin-top:20px;background:#f0f6ff;border:1px solid #cfe0fb;border-radius:14px;padding:18px}.resultgrid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}.metric{background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px}.metric small{display:block;color:var(--muted);font-size:12px}.metric strong{font-size:22px;letter-spacing:-.02em;font-variant-numeric:tabular-nums}
.note{color:var(--muted);font-size:14px}.warning{background:#fff8e8;border:1px solid #f1dda9;border-radius:12px;padding:14px}.faq details{background:#fff;border:1px solid var(--line);border-radius:10px;padding:14px;margin:10px 0}.faq summary{font-weight:700;cursor:pointer}
table{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden}th,td{text-align:left;padding:11px;border-bottom:1px solid var(--line)}th{background:#f2f5f9}
footer{border-top:1px solid var(--line);background:#fff;padding:30px 0;color:var(--muted);font-size:14px}.footerlinks{display:flex;gap:14px;flex-wrap:wrap}
@media(max-width:800px){.grid{grid-template-columns:1fr 1fr}.formgrid,.grid2{grid-template-columns:1fr}.resultgrid{grid-template-columns:1fr}.navlinks{display:none}}
@media(max-width:520px){.grid{grid-template-columns:1fr}.hero{padding-top:34px}.card{padding:18px}}