:root {
  --bg: #f4f6f9;
  --paper: #ffffff;
  --ink: #0e1a2b;
  --muted: #455365;
  --line: #d6dde6;
  --accent: #1f3a5f;
  --accent-2: #5a6b80;
  --soft: #e8eef5;
  --warn: #fff5d8;
  --warn-line: #e8d79a;
  --warn-ink: #59420b;
  --max: 1120px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
}
a { color: var(--accent); text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: #122742; }
.container { max-width: var(--max); margin: 0 auto; padding: 0 24px; }

.site-header {
  border-bottom: 1px solid var(--line);
  background: rgba(255, 255, 255, 0.94);
  position: sticky;
  top: 0;
  z-index: 10;
  backdrop-filter: blur(8px);
}
.nav { display: flex; justify-content: space-between; align-items: center; gap: 20px; padding: 16px 0; }
.brand { display: inline-flex; align-items: center; gap: 10px; }
.brand a { text-decoration: none; color: var(--ink); }
.brand-mark-link { display: inline-flex; align-items: center; transition: color 0.15s ease; }
.brand-mark-link:hover { color: var(--accent); }
.brand-mark { width: 30px; height: 30px; flex: 0 0 30px; }
.brand-text { display: inline-flex; flex-direction: column; gap: 0; }
.brand strong { font-size: 20px; letter-spacing: -0.02em; }
.brand span { font-size: 12px; color: var(--muted); letter-spacing: 0.08em; text-transform: uppercase; }
.nav-links { display: flex; gap: 16px; flex-wrap: wrap; font-size: 14px; }
.nav-links a { color: var(--ink); text-decoration: none; }
.nav-links a:hover { color: var(--accent); }

.hero { padding: 72px 0 48px; }
.eyebrow { color: var(--accent-2); text-transform: uppercase; letter-spacing: 0.12em; font-size: 13px; font-weight: 700; }
.breadcrumb { color: var(--muted); font-size: 13px; margin-bottom: 14px; letter-spacing: 0.04em; }
.breadcrumb a { color: var(--muted); }
.breadcrumb a:hover { color: var(--accent); }

h1, h2, h3 { line-height: 1.15; letter-spacing: -0.035em; }
h1 { font-size: clamp(42px, 7vw, 56px); max-width: 980px; margin: 14px 0 22px; }
h2 { font-size: clamp(28px, 4vw, 32px); margin: 48px 0 16px; }
h3 { font-size: 22px; margin: 28px 0 12px; }
p { margin: 0 0 18px; }
.lede { font-size: clamp(20px, 3vw, 26px); max-width: 880px; color: #2a3848; }

.section { padding: 36px 0; }
.section-tight { padding: 20px 0; }
.page { padding: 36px 0 72px; }

.grid-2 { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 22px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 22px; }

.card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 14px;
  box-shadow: 0 8px 24px rgba(14, 26, 43, 0.04);
  padding: 24px;
}
.card.soft { background: var(--soft); box-shadow: none; }
.card h2, .card h3 { margin-top: 0; }
.card p:last-child { margin-bottom: 0; }

.notice {
  background: var(--warn);
  border: 1px solid var(--warn-line);
  border-radius: 14px;
  padding: 20px;
  color: var(--warn-ink);
}

main ul, main ol { padding-left: 22px; }
main li { margin: 7px 0; }
.list-clean { padding-left: 18px; }
.list-clean li { margin: 8px 0; }

table { width: 100%; border-collapse: collapse; margin: 18px 0; background: var(--paper); border: 1px solid var(--line); border-radius: 12px; overflow: hidden; }
th, td { text-align: left; padding: 12px 14px; border-bottom: 1px solid var(--line); vertical-align: top; }
th { background: var(--soft); font-size: 13px; letter-spacing: 0.04em; color: #3c4a5e; font-weight: 600; }
tr:last-child td { border-bottom: none; }

.btn {
  display: inline-block;
  padding: 12px 22px;
  border-radius: 8px;
  text-decoration: none;
  font-weight: 600;
  font-size: 15px;
  border: 1px solid var(--line);
  color: var(--ink);
  background: var(--paper);
  cursor: pointer;
  transition: background 0.15s ease, border-color 0.15s ease, color 0.15s ease;
}
.btn:hover { border-color: var(--accent); color: var(--accent); }
.btn.primary, .btn-primary { background: var(--accent); color: #fff; border-color: var(--accent); }
.btn.primary:hover, .btn-primary:hover { background: #122742; border-color: #122742; color: #fff; }
.btn-secondary { background: transparent; color: var(--ink); border-color: var(--line); }
.btn-secondary:hover { border-color: var(--accent); color: var(--accent); }
.btn-row, .cta-row { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 22px; }

.calculator { display: grid; grid-template-columns: minmax(0, 0.9fr) minmax(320px, 1.1fr); gap: 22px; align-items: start; }
.form-grid { display: grid; gap: 14px; }
.form-grid label { display: grid; gap: 6px; font-weight: 600; font-size: 14px; }
.help { color: var(--muted); font-size: 13px; font-weight: 400; }
input, select, textarea {
  font: inherit;
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--paper);
  color: var(--ink);
}
input:focus, select:focus, textarea:focus {
  outline: 2px solid var(--accent);
  outline-offset: 1px;
  border-color: var(--accent);
}
textarea { min-height: 140px; resize: vertical; }

.result-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; margin-top: 16px; }
.result { background: var(--soft); border: 1px solid var(--line); border-radius: 12px; padding: 14px 16px; }
.result .value { display: block; font-size: 1.55rem; font-weight: 700; letter-spacing: -0.03em; font-variant-numeric: tabular-nums; color: var(--accent); margin-top: 4px; }

.chart-wrap { margin-top: 22px; border: 1px solid var(--line); border-radius: 12px; background: var(--paper); padding: 16px; overflow-x: auto; }
.chart-wrap h3 { margin: 0 0 12px; font-size: 16px; }
.bar-row { display: grid; grid-template-columns: 96px minmax(120px, 1fr) 110px; gap: 10px; align-items: center; margin: 8px 0; font-size: 14px; font-variant-numeric: tabular-nums; }
.bar { height: 12px; background: var(--soft); border-radius: 99px; overflow: hidden; }
.bar span { display: block; height: 100%; background: var(--accent); border-radius: 99px; }

.term { border-bottom: 1px solid var(--line); padding: 18px 0; }
.term:first-child { padding-top: 0; }
.term:last-child { border-bottom: none; padding-bottom: 0; }
.term h3 { margin: 0 0 6px; color: var(--accent); font-size: 18px; }

.footer { border-top: 1px solid var(--line); padding: 36px 0; color: var(--muted); font-size: 14px; background: var(--paper); }
.footer .container { display: flex; justify-content: space-between; gap: 20px; flex-wrap: wrap; }
.footer p { margin: 0 0 6px; }
.footer .footer-links a { color: var(--ink); text-decoration: none; margin-left: 14px; }
.footer .footer-links a:first-child { margin-left: 0; }
.footer .footer-links a:hover { color: var(--accent); }

.form-status { font-size: 14px; color: var(--muted); margin-top: 10px; min-height: 1em; }
.form-status.ok { color: #1f5e3a; }
.form-status.err { color: #8a1c1c; }

@media (max-width: 840px) {
  .nav { align-items: flex-start; flex-direction: column; }
  .grid-2, .grid-3, .calculator { grid-template-columns: 1fr; }
  .result-grid { grid-template-columns: 1fr; }
  .bar-row { grid-template-columns: 72px 1fr 95px; font-size: 13px; }
  .hero { padding-top: 42px; }
  h1 { font-size: 38px; }
  .site-header { position: static; }
}