:root{--navy:#063b67;--navy2:#032846;--green:#2ca248;--green2:#19853a;--mint:#eaf7ee;--sky:#eef6fb;--ink:#15324a;--muted:#657b8e;--line:#dbe7ef;--shadow:0 24px 60px rgba(5,55,94,.12)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:linear-gradient(145deg,#f7fbfd,#eef8f2);line-height:1.55}a{color:inherit}.wrap{width:min(1080px,calc(100% - 38px));margin:auto}
.top{background:var(--navy2);color:#dceaf3;text-align:center;padding:9px 16px;font-size:.77rem;font-weight:850}.nav{background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}.navin{min-height:68px;display:flex;align-items:center;justify-content:space-between;gap:18px}.home{text-decoration:none;color:var(--navy);font-weight:950}.tools{text-decoration:none;font-size:.8rem;font-weight:900;color:#45647b}.tools:hover{color:var(--green2)}.lang{border:1px solid var(--line);background:#fff;color:var(--navy);font-weight:900;border-radius:999px;padding:8px 12px;cursor:pointer}
.hero{padding:72px 0 38px;text-align:center}.eyebrow{color:var(--green2);font-size:.72rem;font-weight:950;letter-spacing:.14em;text-transform:uppercase}.hero h1{font-size:clamp(2.8rem,7vw,5.7rem);line-height:.92;letter-spacing:-.055em;color:var(--navy2);margin:13px auto 20px;max-width:900px}.hero p{max-width:720px;margin:auto;color:var(--muted);font-size:1.08rem}
.calc-shell{display:grid;grid-template-columns:1.08fr .92fr;gap:22px;align-items:stretch;padding-bottom:30px}.form,.results{border:1px solid var(--line);border-radius:26px;padding:30px;background:#fff;box-shadow:var(--shadow)}.form{display:grid;grid-template-columns:1fr 1fr;gap:17px;align-content:start}.field label{display:block;margin-bottom:7px;color:var(--navy);font-size:.78rem;font-weight:900}.field input,.field select{width:100%;height:50px;border:1px solid #c9d9e4;border-radius:12px;background:#f9fbfd;padding:0 13px;font:inherit;color:var(--ink)}.field input:focus,.field select:focus{outline:3px solid rgba(44,162,72,.17);border-color:var(--green)}.wide{grid-column:1/-1}.results{color:#fff;background:linear-gradient(145deg,var(--navy2),var(--navy));display:flex;flex-direction:column}.results h2{margin:0;color:#cfe3ef;font-size:.82rem;text-transform:uppercase;letter-spacing:.1em}.payment{font-size:clamp(3rem,6vw,5rem);line-height:1;margin:16px 0 8px;font-weight:950;letter-spacing:-.06em}.payment small{font-size:1rem;letter-spacing:0;color:#bcd2df}.note{color:#c9dce7;font-size:.84rem;margin:0 0 22px}.breakdown{border-top:1px solid rgba(255,255,255,.17);margin-top:auto}.row{display:flex;justify-content:space-between;gap:18px;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.12);font-size:.9rem}.row span{color:#cfe0ea}.row strong{white-space:nowrap}
.ad-space{min-height:100px;margin:18px 0;display:flex;align-items:center;justify-content:center;color:#8194a3;font-size:.72rem}.explain{background:#fff;border-block:1px solid var(--line);padding:55px 0}.explain-grid{display:grid;grid-template-columns:1fr 1fr;gap:45px}.explain h2{font-size:2rem;line-height:1.05;margin:0 0 13px;color:var(--navy2)}.explain p{color:var(--muted);margin:0}.disclaimer{font-size:.78rem;color:#6c8292;margin:20px 0 0}.more{padding:55px 0}.more h2{text-align:center;color:var(--navy2);font-size:2rem;margin:0 0 25px}.tool-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.tool-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:20px;text-decoration:none;font-weight:900;color:var(--navy);box-shadow:0 9px 24px rgba(6,59,103,.05)}.tool-card:hover{border-color:var(--green);transform:translateY(-2px)}
.promo{background:linear-gradient(135deg,var(--navy2),var(--navy));color:#fff;padding:48px 0}.promo-in{display:flex;justify-content:space-between;gap:35px;align-items:center}.promo h2{font-size:clamp(2rem,4vw,3.4rem);line-height:1;margin:0 0 12px}.promo p{margin:0;color:#cfe0ea;max-width:650px}.promo-logo{display:block;flex:0 0 250px;background:#fff;border-radius:18px;padding:14px 18px;text-decoration:none;box-shadow:0 14px 34px rgba(0,0,0,.22);transition:transform .18s ease,box-shadow .18s ease}.promo-logo:hover{transform:translateY(-3px);box-shadow:0 18px 40px rgba(0,0,0,.28)}.promo-logo img{display:block;width:100%;height:auto}.footer{background:#021f37;color:#9fb7c7;text-align:center;padding:22px;font-size:.76rem}.footer a{color:#d9e6ee}
@media(max-width:800px){.calc-shell,.explain-grid{grid-template-columns:1fr}.tool-grid{grid-template-columns:1fr 1fr}.promo-in{display:block}.promo-logo{width:min(250px,100%);margin-top:24px}}
@media(max-width:560px){.wrap{width:min(100% - 26px,1080px)}.hero{padding-top:52px}.hero h1{font-size:3rem}.form{grid-template-columns:1fr}.wide{grid-column:auto}.form,.results{padding:22px}.payment{font-size:3rem}.tool-grid{grid-template-columns:1fr}.tools{display:none}}