:root{
 --bg:#f5f7fb;--card:#fff;--text:#172033;--muted:#667085;--line:#e5e9f0;
 --brand:#2257d6;--brand2:#153ea8;--brandsoft:#edf3ff;--ok:#087a55;--warn:#7a5b09;
 --shadow:0 14px 38px rgba(24,45,85,.08);--radius:18px;--max:1160px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--text);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;line-height:1.6}
a{color:inherit}
img,svg{max-width:100%}
.container{width:min(var(--max),calc(100% - 32px));margin:auto}
.site-header{position:sticky;top:0;z-index:40;background:rgba(255,255,255,.94);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav{min-height:70px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;font-weight:900;font-size:1.25rem;letter-spacing:-.04em}
.brand-badge{width:32px;height:32px;border-radius:9px;background:var(--brand);display:grid;place-items:center;color:#fff;font-size:.75rem}
.brand span{color:var(--brand)}
.navlinks{display:flex;align-items:center;gap:20px}
.navlinks a{text-decoration:none;color:#475467;font-weight:700;font-size:.94rem}
.navlinks a:hover,.navlinks a[aria-current="page"]{color:var(--brand)}
.menu-btn{display:none;border:1px solid var(--line);background:#fff;color:var(--text);padding:9px 11px;border-radius:10px;font-size:1.1rem}
.hero{padding:72px 0 42px;background:linear-gradient(180deg,#fff 0,#f5f7fb 100%)}
.hero.compact{padding:46px 0 28px}
.eyebrow{display:inline-flex;align-items:center;gap:7px;padding:7px 11px;border-radius:999px;background:var(--brandsoft);color:var(--brand2);font-weight:800;font-size:.8rem}
h1{font-size:clamp(2.3rem,5vw,4.6rem);line-height:1.02;letter-spacing:-.055em;margin:18px 0 16px;max-width:940px}
.compact h1{font-size:clamp(2rem,4vw,3.45rem)}
.hero p{font-size:1.12rem;color:var(--muted);max-width:790px;margin:0}
.breadcrumb{display:flex;flex-wrap:wrap;gap:8px;font-size:.86rem;color:var(--muted);margin-bottom:15px}
.breadcrumb a{text-decoration:none}
.breadcrumb a:hover{color:var(--brand)}
.section{padding:30px 0 72px}
.section-tight{padding:24px 0 44px}
.section-head{display:flex;justify-content:space-between;align-items:end;gap:20px;margin-bottom:20px}
.section-head h2{margin:0;font-size:clamp(1.55rem,3vw,2.2rem);letter-spacing:-.035em}
.section-head p{margin:4px 0 0;color:var(--muted)}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow)}
.home-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.home-card{display:block;padding:22px;text-decoration:none;transition:.18s ease}
.home-card:hover{transform:translateY(-2px);border-color:#bdcaf3}
.home-card h3{margin:7px 0 7px;font-size:1.08rem}
.home-card p{margin:0;color:var(--muted);font-size:.94rem}
.kicker{font-size:.75rem;font-weight:900;color:var(--brand);text-transform:uppercase;letter-spacing:.08em}
.category-band{display:flex;gap:9px;flex-wrap:wrap;margin:20px 0}
.pill{display:inline-flex;padding:8px 12px;border-radius:999px;background:#fff;border:1px solid var(--line);text-decoration:none;font-weight:750;font-size:.87rem;color:#475467}
.pill:hover{border-color:#b8c7f5;color:var(--brand)}
.calc-layout{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(280px,.75fr);gap:24px;align-items:start;padding:30px 0 64px}
.calc{padding:28px}
.calc h2{margin:0 0 5px;font-size:1.6rem;letter-spacing:-.03em}
.calc .sub{color:var(--muted);margin:0 0 22px}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.field{display:flex;flex-direction:column;gap:7px}
.field.full{grid-column:1/-1}
label{font-weight:750;font-size:.92rem}
input,select{width:100%;padding:13px 14px;border:1px solid #cbd2df;border-radius:12px;background:#fff;color:var(--text);font:inherit;outline:none}
input:focus,select:focus{border-color:var(--brand);box-shadow:0 0 0 3px rgba(34,87,214,.11)}
.hint{font-size:.8rem;color:var(--muted)}
.check{display:flex;align-items:center;gap:10px;min-height:46px}
.check input{width:18px;height:18px}
.btn{display:inline-flex;align-items:center;justify-content:center;border:0;background:var(--brand);color:#fff;border-radius:12px;padding:14px 18px;font-weight:850;font-size:1rem;cursor:pointer;text-decoration:none}
.btn:hover{background:var(--brand2)}
.btn.secondary{background:#fff;color:var(--brand);border:1px solid #b9c8f7}
.results{margin-top:22px;background:#f4f7ff;border:1px solid #dbe5ff;border-radius:15px;padding:18px;display:none}
.results.show{display:block}
.result-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}
.metric{background:#fff;border:1px solid #e1e7f5;border-radius:12px;padding:14px}
.metric span{display:block;color:var(--muted);font-size:.82rem}
.metric strong{display:block;font-size:1.4rem;margin-top:3px;line-height:1.25}
.sidebar{padding:24px}
.sidebar h3{margin:0 0 12px}
.tools{display:grid;gap:10px}
.tool-link{display:block;text-decoration:none;padding:14px;border:1px solid var(--line);border-radius:13px;background:#fff}
.tool-link:hover{border-color:#b8c7f5}
.tool-link strong{display:block}
.tool-link span{display:block;color:var(--muted);font-size:.84rem;margin-top:2px}
.content{padding:0 0 72px}
.content-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.content-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;margin-bottom:18px}
.content-card h2,.content-card h3{letter-spacing:-.03em;margin-top:0}
.content-card p,.content-card li{color:#475467}
.content-card ul{padding-left:20px}
.formula{background:#f7f9fc;border-left:4px solid var(--brand);padding:14px 16px;border-radius:9px;font-weight:800;color:#344054}
.notice{background:#fff8e8;border:1px solid #f0dfac;border-radius:12px;padding:14px 16px;color:#675318}
.ok-note{background:#edfbf5;border:1px solid #c8eedf;border-radius:12px;padding:14px 16px;color:#21634d}
.search-box{display:flex;gap:10px;margin:18px 0 24px}
.search-box input{max-width:520px}
.tools-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.tool-card{padding:20px;text-decoration:none;display:block}
.tool-card h3{margin:7px 0 6px}
.tool-card p{margin:0;color:var(--muted);font-size:.91rem}
.tool-card[hidden]{display:none}
.guide-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.guide-card{padding:24px;text-decoration:none}
.guide-card h3{margin:5px 0 8px}
.guide-card p{margin:0;color:var(--muted)}
.article{max-width:850px;margin:auto}
.article .content-card{padding:32px}
.article h2{margin-top:32px}
.article .content-card h2:first-child{margin-top:0}
.article a{color:var(--brand)}
.source-list{display:grid;gap:12px}
.source-item{padding:16px;border:1px solid var(--line);border-radius:12px;background:#fff}
.source-item strong{display:block}
.source-item span{display:block;color:var(--muted);font-size:.88rem;margin-top:3px}
.hero-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:24px}
.stat-strip{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:28px}
.stat{background:#fff;border:1px solid var(--line);border-radius:14px;padding:15px}
.stat strong{display:block}
.stat span{font-size:.84rem;color:var(--muted)}
footer{border-top:1px solid var(--line);background:#fff;padding:36px 0;color:var(--muted)}
.footer-grid{display:grid;grid-template-columns:1.3fr .8fr .8fr;gap:28px}
.footer-title{font-weight:900;color:var(--text);margin-bottom:8px}
.footer-links{display:grid;gap:8px}
.footer-links a{text-decoration:none}
.footer-links a:hover{color:var(--brand)}
.small{font-size:.84rem;color:var(--muted)}
.muted{color:var(--muted)}
hr.soft{border:0;border-top:1px solid var(--line);margin:24px 0}
.not-found{text-align:center;padding:100px 20px}
.not-found h1{margin-inline:auto}
@media(max-width:900px){
 .home-grid,.tools-grid{grid-template-columns:repeat(2,1fr)}
 .calc-layout{grid-template-columns:1fr}
 .footer-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:760px){
 .menu-btn{display:inline-flex}
 .navlinks{display:none;position:absolute;top:70px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:14px 18px 20px;flex-direction:column;align-items:flex-start}
 .navlinks.open{display:flex}
 .hero{padding-top:46px}
 .form-grid,.content-grid,.guide-grid{grid-template-columns:1fr}
 .field.full{grid-column:auto}
 .result-grid{grid-template-columns:1fr 1fr}
 .stat-strip{grid-template-columns:1fr}
}
@media(max-width:520px){
 .container{width:min(var(--max),calc(100% - 22px))}
 .home-grid,.tools-grid,.result-grid,.footer-grid{grid-template-columns:1fr}
 .calc,.sidebar,.content-card,.article .content-card{padding:20px}
 h1{font-size:2.35rem}
}