:root{
  --bg:#f7f8fa;
  --panel:#ffffff;
  --panel-soft:#f4f7f9;
  --text:#17212b;
  --muted:#667085;
  --line:#d9dee7;
  --accent:#204e72;
  --accent-soft:#eaf1f6;
  --good:#1f6b45;
  --warn:#8a5a00;
  --radius:16px;
  --shadow:0 8px 28px rgba(20,30,45,.07);
  --max:1120px;
}
*{box-sizing:border-box}
html{font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;background:var(--bg);color:var(--text)}
body{margin:0;line-height:1.5}
a{color:var(--accent)}
header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}
.nav{max-width:var(--max);margin:auto;padding:14px 20px;display:flex;align-items:center;gap:18px;justify-content:space-between}
.brand{font-weight:800;text-decoration:none;color:var(--text);letter-spacing:-.02em}
nav{display:flex;gap:14px;flex-wrap:wrap}
nav a{text-decoration:none;color:var(--muted);font-size:.95rem}
main{max-width:var(--max);margin:auto;padding:34px 20px 56px}
.hero{display:grid;grid-template-columns:1.25fr .75fr;gap:28px;align-items:start;margin-bottom:28px}
.hero h1{font-size:clamp(2.2rem,5vw,4.2rem);line-height:1.02;letter-spacing:-.045em;margin:.2em 0}
.hero p{font-size:1.12rem;color:var(--muted);max-width:720px}
.eyebrow{font-size:.8rem;letter-spacing:.08em;text-transform:uppercase;color:var(--accent);font-weight:800}
.hero-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:18px}
.btn{display:inline-flex;align-items:center;justify-content:center;text-decoration:none;border-radius:10px;padding:12px 16px;font-weight:700;border:1px solid var(--line);background:#fff;color:var(--text)}
.btn.primary{background:var(--accent);color:#fff;border-color:var(--accent)}
.btn.ghost{background:#fff}
.question-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin-top:18px}
.question-card{display:block;text-decoration:none;color:inherit;background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px;min-height:145px}
.question-card:hover{border-color:#aebdca;box-shadow:var(--shadow)}
.question-card h3{margin:0 0 8px;font-size:1.08rem}
.question-card p{margin:0;color:var(--muted)}
.section{margin-top:36px}
.section-head{display:flex;align-items:end;justify-content:space-between;gap:16px;margin-bottom:14px}
.section-head h1,.section-head h2{margin:.2rem 0;letter-spacing:-.03em}
.section-head p{margin:0;color:var(--muted);max-width:520px}
.panel{background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:22px}
.panel.soft{background:var(--panel-soft);box-shadow:none}
.grid{display:grid;gap:16px}
.grid.two{grid-template-columns:repeat(2,minmax(0,1fr))}
.grid.three{grid-template-columns:repeat(3,minmax(0,1fr))}
label{font-weight:650;font-size:.93rem;display:block}
input,select,button{font:inherit}
input,select{width:100%;margin-top:6px;padding:12px 13px;border:1px solid #c8d0db;border-radius:10px;background:#fff;color:var(--text)}
input:focus,select:focus,button:focus{outline:3px solid rgba(32,78,114,.18);outline-offset:1px}
small.help{display:block;color:var(--muted);font-weight:400;margin-top:5px}
.step-label{display:flex;align-items:center;gap:9px;margin-bottom:14px;color:var(--muted);font-size:.82rem;font-weight:800;text-transform:uppercase;letter-spacing:.06em}
.step-label span{display:inline-grid;place-items:center;width:24px;height:24px;border-radius:50%;background:var(--accent);color:#fff;font-size:.76rem}
.calc-layout{display:grid;grid-template-columns:.95fr 1.05fr;gap:18px;align-items:start}
.result-stack{display:grid;gap:14px}
.result-hero{padding:20px;border-radius:14px;background:var(--accent-soft);margin-bottom:0}
.result-hero .label{color:var(--muted);font-size:.86rem;font-weight:700;text-transform:uppercase;letter-spacing:.04em}
.result-hero .big{font-size:clamp(2.3rem,5vw,3.8rem);font-weight:850;letter-spacing:-.045em;line-height:1;margin-top:6px;color:var(--text)}
.result-hero .sub{color:var(--muted);margin-top:8px}
.breakdown{background:#fff;border:1px solid var(--line);border-radius:14px;padding:14px 16px}
.breakdown-row{display:flex;justify-content:space-between;gap:18px;padding:9px 0;border-bottom:1px solid #edf0f4}
.breakdown-row:last-child{border-bottom:0}
.kpis{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}
.kpi{border:1px solid var(--line);border-radius:12px;padding:14px;background:#fff}
.kpi .label{color:var(--muted);font-size:.84rem}
.kpi .value{font-size:1.2rem;font-weight:780;margin-top:4px}
.note{border-left:4px solid var(--accent);padding:12px 14px;background:var(--accent-soft);border-radius:8px;margin:18px 0;color:#304050}
.note.warning{border-left-color:#a56b00;background:#fff6df}
.muted{color:var(--muted)}
.table-wrap{overflow:auto}
table{width:100%;border-collapse:collapse;font-size:.93rem}
th,td{text-align:right;padding:10px 8px;border-bottom:1px solid var(--line)}
th:first-child,td:first-child{text-align:left}
.chart-shell{border:1px solid var(--line);border-radius:12px;padding:12px;background:#fff}
.chart-shell svg{display:block;width:100%;height:auto}
.content-copy{max-width:820px}
.content-copy p,.content-copy li{color:#485465}
.faq details{border-top:1px solid var(--line);padding:12px 0}
.faq summary{cursor:pointer;font-weight:700}
.compare{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}
.scenario{background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px}
.scenario h3{margin-top:0}
.preset-row{display:flex;gap:8px;flex-wrap:wrap;margin:12px 0 18px}
.preset-row button{border:1px solid var(--line);background:#fff;color:var(--text);border-radius:10px;padding:9px 12px;cursor:pointer}
.preset-row button:hover{border-color:#aebdca}
.summary-line{font-size:1.04rem;line-height:1.6;margin:0}
.sticky-summary{position:sticky;bottom:14px;z-index:8;max-width:var(--max);margin:22px auto 0;background:#fff;color:var(--text);border:1px solid var(--line);border-radius:14px;padding:11px 16px;display:flex;justify-content:center;gap:7px;flex-wrap:wrap;box-shadow:var(--shadow);font-size:.92rem}
.sticky-summary strong{font-weight:850}
.badge{display:inline-block;background:var(--accent-soft);color:var(--accent);font-weight:700;padding:5px 9px;border-radius:999px;font-size:.8rem}
footer{border-top:1px solid var(--line);background:#fff;margin-top:40px}
.footer{max-width:var(--max);margin:auto;padding:26px 20px;color:var(--muted);font-size:.9rem;display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}
.footer a{color:var(--muted)}
@media(max-width:900px){
  .hero,.calc-layout{grid-template-columns:1fr}
  .question-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media(max-width:700px){
  nav{display:none}
  .question-grid,.grid.two,.grid.three,.compare,.kpis{grid-template-columns:1fr}
  main{padding-top:22px}
  .panel{padding:16px}
  .sticky-summary{justify-content:flex-start}
}