*{margin:0;padding:0;box-sizing:border-box}:root{--primary: #1849c6;--primary-dark: #10339b;--ink: #16213a;--muted: #5b6478;--bg-soft: #f4f7fd;--border: #e3e8f2}body{font-family:Segoe UI,system-ui,-apple-system,sans-serif;color:var(--ink);line-height:1.6}.container{max-width:1080px;margin:0 auto;padding:0 24px}h2{font-size:30px;margin-bottom:12px;text-align:center}.site-header{position:sticky;top:0;background:#fffffff2;-webkit-backdrop-filter:blur(8px);backdrop-filter:blur(8px);border-bottom:1px solid var(--border);z-index:10}.header-inner{display:flex;justify-content:space-between;align-items:center;height:64px}.logo{font-weight:800;font-size:20px;display:flex;align-items:center;gap:8px}.logo-mark{background:var(--primary);color:#fff;width:30px;height:30px;border-radius:8px;display:inline-flex;align-items:center;justify-content:center;font-size:16px}nav{display:flex;align-items:center;gap:22px}nav a{color:var(--ink);text-decoration:none;font-weight:500}nav a:hover{color:var(--primary)}.nav-link-quiet{color:var(--muted)}.btn{display:inline-block;padding:12px 26px;border-radius:10px;font-weight:600;text-decoration:none;transition:.15s;border:none;cursor:pointer}.btn-sm{padding:8px 18px}.btn-primary{background:var(--primary);color:#fff!important}.btn-primary:hover{background:var(--primary-dark)}.btn-ghost{border:1.5px solid var(--border);color:var(--ink)}.btn-ghost:hover{border-color:var(--primary);color:var(--primary)}.btn-light{background:#fff;color:var(--primary)!important}.hero{padding:96px 0 80px;text-align:center;background:radial-gradient(60% 80% at 50% 0%,#e8efff 0%,transparent 70%),var(--bg-soft)}.hero h1{font-size:46px;line-height:1.15;max-width:760px;margin:0 auto 20px}.accent{color:var(--primary)}.hero-sub{font-size:19px;color:var(--muted);max-width:640px;margin:0 auto 32px}.hero-actions{display:flex;gap:14px;justify-content:center}.hero-note{margin-top:16px;color:var(--muted);font-size:14px}.features{padding:80px 0}.feature-grid{margin-top:40px;display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:22px}.feature-card{border:1px solid var(--border);border-radius:14px;padding:26px;transition:.15s}.feature-card:hover{box-shadow:0 8px 28px #1849c617;transform:translateY(-2px)}.feature-icon{font-size:30px;margin-bottom:12px}.feature-card h3{margin-bottom:8px;font-size:18px}.feature-card p{color:var(--muted);font-size:15px}.how{padding:70px 0;background:var(--bg-soft)}.steps{max-width:720px;margin:32px auto 0;padding-left:0;counter-reset:step;list-style:none}.steps li{position:relative;padding:0 0 26px 62px;counter-increment:step;font-size:16.5px}.steps li:before{content:counter(step);position:absolute;left:0;top:0;width:42px;height:42px;border-radius:50%;background:var(--primary);color:#fff;font-weight:700;display:flex;align-items:center;justify-content:center}.calculator{padding:80px 0}.calc-sub{text-align:center;color:var(--muted);margin-bottom:32px}.calc-card{border:1px solid var(--border);border-radius:16px;padding:30px;box-shadow:0 10px 40px #16213a0f}.calc-form{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:18px;margin-bottom:26px}.calc-form label{display:flex;flex-direction:column;gap:6px;font-weight:600;font-size:13.5px}.calc-form input,.calc-form select{padding:10px 12px;border:1.5px solid var(--border);border-radius:8px;font-size:15px}.calc-form input:focus,.calc-form select:focus{outline:none;border-color:var(--primary)}.calc-check{flex-direction:row!important;align-items:center;align-self:end;gap:8px!important}.calc-result table{width:100%;border-collapse:collapse;margin-bottom:14px;font-size:14.5px}.calc-result th,.calc-result td{padding:9px 12px;border-bottom:1px solid var(--border);text-align:left}.calc-result th{background:var(--bg-soft);font-weight:700}.calc-result .num{text-align:right;font-variant-numeric:tabular-nums}.link-btn{background:none;border:none;color:var(--primary);cursor:pointer;font-weight:600;padding:4px 0;margin-bottom:12px}.calc-cta{background:var(--bg-soft);border-radius:10px;padding:14px 18px;font-weight:500}.calc-cta a{color:var(--primary);font-weight:700}.calc-error{color:#b4232a}.cta-band{background:linear-gradient(120deg,var(--primary),var(--primary-dark));color:#fff;padding:64px 0;text-align:center}.cta-band h2{margin-bottom:24px}.site-footer{padding:40px 0 24px;border-top:1px solid var(--border)}.footer-inner{display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap}.site-footer p{color:var(--muted);font-size:14px}.site-footer a{color:var(--ink)}.disclaimer{margin-top:20px;color:var(--muted);font-size:12.5px}@media(max-width:640px){.hero h1{font-size:32px}nav a:not(.btn){display:none}}