:root{--bg:#f7f8fa;--card:#fff;--ink:#14213d;--muted:#5b6472;--brand:#0b6e4f;--brand2:#095c42;--accent:#f2b33d;--line:#e3e7ee;--radius:14px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65}
a{color:var(--brand2)}a:hover{text-decoration:underline}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
header.site{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.nav{display:flex;align-items:center;justify-content:space-between;height:64px}
.logo{font-weight:800;font-size:20px;color:var(--ink);text-decoration:none}.logo span{color:var(--brand)}
nav.main a{margin-left:18px;color:var(--ink);text-decoration:none;font-size:15px}nav.main a:hover{color:var(--brand)}
@media(max-width:720px){nav.main a{margin-left:10px;font-size:13px}}
.hero{padding:44px 0 10px}.hero h1{font-size:36px;line-height:1.2;margin:0 0 12px}
@media(max-width:720px){.hero h1{font-size:28px}}
.lede{font-size:18px;color:var(--muted);max-width:760px}
.answer{background:#eaf5f0;border:1px solid #cfe7db;border-radius:var(--radius);padding:16px 20px;margin:20px 0;font-size:16px}
.answer strong{color:var(--brand2)}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:18px;margin:24px 0}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:22px}
.card h3{margin-top:0}.card p{color:var(--muted)}
.btn{display:inline-block;background:var(--brand);color:#fff;padding:10px 18px;border-radius:9px;text-decoration:none;font-weight:600;border:0;cursor:pointer;font-size:16px}.btn:hover{background:var(--brand2);text-decoration:none}
.calc{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:24px;margin:22px 0}
.calc h2{margin-top:0}
.fields{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:14px}
label{font-size:14px;font-weight:600;display:block}
input,select{width:100%;padding:10px 12px;border:1px solid #c9d1dd;border-radius:8px;font-size:16px;margin-top:5px;background:#fff}
input:focus{outline:2px solid var(--brand);outline-offset:1px}
.results{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:14px;margin-top:20px}
.result{background:#f0f4f9;border-radius:10px;padding:14px 16px}.result .k{font-size:13px;color:var(--muted)}.result .v{font-size:22px;font-weight:800}
table{width:100%;border-collapse:collapse;margin:16px 0;font-size:15px}th,td{border:1px solid var(--line);padding:8px 10px;text-align:right}th:first-child,td:first-child{text-align:left}th{background:#f0f4f9}
section.body{padding:8px 0 30px;max-width:820px}section.body h2{margin-top:34px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:10px;padding:14px 18px;margin:10px 0}
.faq summary{font-weight:700;cursor:pointer}
.crumb{font-size:13px;color:var(--muted);padding-top:18px}.crumb a{color:var(--muted)}
.meta{font-size:13px;color:var(--muted)}
.notice{background:#fff8e6;border:1px solid #f0d48a;border-radius:10px;padding:14px 18px;font-size:14px;margin:18px 0}
footer.site{background:#10182b;color:#c7cede;margin-top:50px;padding:36px 0}
footer.site a{color:#e8ecf4;text-decoration:none}footer.site a:hover{text-decoration:underline}
.fcols{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:20px}.fcols h4{color:#fff;margin-top:0}
.adslot{border:1px dashed #c9d1dd;border-radius:10px;color:#8a93a3;text-align:center;padding:18px;font-size:13px;margin:22px 0;background:#fbfcfe}
.skip{position:absolute;left:-9999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:50}