:root{--bg:#f6f8fb;--surface:#fff;--surface-alt:#eef3f8;--text:#18212b;--muted:#5c6b7a;--line:#d7e0ea;--accent:#145da0;--accent-dark:#0e477d;--shadow:0 14px 40px #10182814;--radius:18px;--container:1120px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{background:var(--bg);color:var(--text);margin:0;font-family:Arial,Helvetica,sans-serif}a{color:inherit;text-decoration:none}.container{width:min(var(--container), calc(100% - 2rem));margin:0 auto}.site-header{z-index:20;-webkit-backdrop-filter:blur(8px);backdrop-filter:blur(8px);background:#f6f8fbe0;border-bottom:1px solid #d7e0eacc;position:sticky;top:0}.header-inner,.footer-inner{justify-content:space-between;align-items:center;gap:1rem;padding:1rem 0;display:flex}.brand{font-size:1.1rem;font-weight:800}.nav,.footer-links{flex-wrap:wrap;gap:1rem;display:flex}.hero{padding:4rem 0 2rem}.hero-grid{grid-template-columns:1.1fr .9fr;align-items:start;gap:2rem;display:grid}.eyebrow{color:var(--accent-dark);background:#e5eef8;border-radius:999px;margin-bottom:1rem;padding:.4rem .75rem;font-size:.9rem;font-weight:700;display:inline-block}h1,h2,h3{margin-top:0;line-height:1.1}h1{margin-bottom:1rem;font-size:clamp(2rem,4vw,3.5rem)}h2{margin-bottom:1rem;font-size:clamp(1.5rem,3vw,2.2rem)}h3{font-size:1.15rem}.lead{color:var(--muted);max-width:62ch;font-size:1.1rem;line-height:1.7}.hero-points{color:var(--muted);margin:1.5rem 0 0;padding-left:1.1rem;line-height:1.8}.section{padding:2rem 0}.section.alt{background:var(--surface-alt);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.feature-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem;display:grid}.feature-card{background:var(--surface);border:1px solid var(--line);box-shadow:var(--shadow);border-radius:16px;padding:1.2rem}.feature-card h2{margin-bottom:.75rem;font-size:1.1rem}.feature-card p{color:var(--muted);margin:0;line-height:1.7}.text-block{max-width:780px}.text-block p{color:var(--muted);line-height:1.8}.calculator-card,.result-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow)}.calculator-card{padding:1.5rem}.card-intro{color:var(--muted);margin-bottom:1.25rem}.calculator-form{gap:1rem;display:grid}.calculator-form label,.radio-group{gap:.45rem;display:grid}.calculator-form span,.radio-group legend{font-size:.95rem;font-weight:700}input,select{border:1px solid var(--line);width:100%;color:var(--text);background:#fff;border-radius:12px;padding:.9rem 1rem;font-size:1rem}input[aria-invalid=true],select[aria-invalid=true]{background:#fff7f5;border-color:#c2412d}.radio-group{border:0;padding:0}.radio-group label{align-items:center;gap:.5rem;font-weight:500;display:flex}.radio-group input{width:auto}.primary-button{background:var(--accent);color:#fff;cursor:pointer;border:0;border-radius:14px;padding:1rem 1.1rem;font-size:1rem;font-weight:800}.primary-button:hover{background:var(--accent-dark)}.field-error,.form-message{color:#b42318;margin:-.15rem 0 0;font-size:.9rem;line-height:1.5}.field-hint{color:var(--muted);margin:-.15rem 0 0;font-size:.88rem;line-height:1.5}.result-card{margin-top:1.5rem;padding:1.5rem}.result-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:1rem;margin:1rem 0 1.25rem;display:grid}.result-item{border:1px solid var(--line);background:#fbfdff;border-radius:14px;padding:1rem}.result-item span{color:var(--muted);margin-bottom:.35rem;font-size:.92rem;display:block}.result-item strong{font-size:1.2rem}.result-item-full{grid-column:1/-1}.result-summary{color:var(--muted);line-height:1.8}.disclaimer-box{border:1px solid var(--line);color:var(--muted);background:#fbfdff;border-radius:16px;margin-top:1.5rem;padding:1rem 1.1rem;line-height:1.7}.disclaimer-box strong{color:var(--text)}.faq-list{gap:1rem;display:grid}.faq-item{background:var(--surface);border:1px solid var(--line);border-radius:16px;padding:1rem 1.1rem}.faq-item p{margin-bottom:0}.site-footer{padding:1rem 0 2rem}.site-footer p{color:var(--muted);margin:0}.site-footer a{color:var(--accent-dark)}.footer-copy{gap:.35rem;display:grid}.footer-note{font-size:.92rem}.legal-page{padding:4rem 0}.legal-card,.legal-section{max-width:780px}.legal-card{border:1px solid var(--line);background:#fbfdff;border-radius:16px;margin:0 0 1.75rem;padding:1.1rem 1.2rem}.legal-section{margin-bottom:1.5rem}.legal-section h2{margin-bottom:.6rem;font-size:1.2rem}.legal-page p{color:var(--muted);line-height:1.8}.legal-page a{color:var(--accent-dark)}@media (max-width:900px){.hero-grid,.result-grid,.feature-grid{grid-template-columns:1fr}.header-inner,.footer-inner{flex-direction:column;align-items:flex-start}}