:root{--navy:#183B4E;--teal:#147D80;--gold:#F4BE57;--bg:#F1F6F3;--input:#E8F4FC;--gray:#526571;--red:#B42318}
*{box-sizing:border-box}body{margin:0;font:17px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--navy);background:#fff}
a{color:var(--teal)}header.site{background:var(--navy);color:#fff}header.site .wrap{display:flex;justify-content:space-between;align-items:center;padding:14px 20px}
header.site a{color:#fff;text-decoration:none;font-weight:700;letter-spacing:.04em}nav a{margin-left:18px;font-weight:500;font-size:15px}
.wrap{max-width:1040px;margin:0 auto;padding:0 20px}h1{font-size:2.1rem;line-height:1.2;margin:28px 0 8px}h2{margin-top:2.2rem}
.lead{font-size:1.15rem;color:var(--gray);margin-top:0}.grid{display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:start}
@media(max-width:800px){.grid{grid-template-columns:1fr}nav a{margin-left:10px}}
form.calc,.results{background:var(--bg);border-radius:14px;padding:20px}
label{display:flex;justify-content:space-between;gap:12px;align-items:center;margin:8px 0;font-size:15px}
input,select{width:9.5em;padding:8px 10px;border:1px solid #b9cfd6;border-radius:8px;background:var(--input);font:inherit;color:var(--navy)}
input[type=checkbox]{width:auto}fieldset{border:0;padding:0;margin:0 0 10px}legend{font-weight:700;color:var(--teal);margin-bottom:4px}
.results{background:#fff;border:2px solid var(--teal)}.results table{width:100%;border-collapse:collapse}.results td{padding:7px 4px;border-bottom:1px solid #e3ecea}
.results td:last-child{text-align:right;font-variant-numeric:tabular-nums;font-weight:600}.big{font-size:1.6rem;font-weight:800;color:var(--teal)}
.bad{color:var(--red)}.status{padding:10px 12px;border-radius:8px;background:var(--bg);font-weight:700;margin-top:10px}
.cta{background:var(--gold);border-radius:14px;padding:18px 20px;margin:28px 0}.cta a.btn{display:inline-block;background:var(--navy);color:#fff;padding:10px 18px;border-radius:8px;text-decoration:none;font-weight:700;margin-top:6px}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:18px;margin:24px 0}.card{background:var(--bg);border-radius:14px;padding:18px;text-decoration:none;color:var(--navy)}
.card h3{margin:0 0 6px;color:var(--teal)}.note{font-size:14px;color:var(--gray)}footer{margin-top:48px;padding:24px 0;background:var(--bg);font-size:14px;color:var(--gray)}
details{background:var(--bg);border-radius:10px;padding:10px 14px;margin:10px 0}summary{font-weight:700;cursor:pointer}