:root{--ink:#14232b;--muted:#4d5f68;--brand:#12495a;--brand-2:#0d3846;--accent:#c4520f;--accent-ink:#fff;--bg:#f6f8f8;--card:#fff;--line:#d9e2e5;--soft:#e4eff2;--good:#1d6b3a;--bad:#a8261d;--radius:12px;--max:1120px}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font:16px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--ink);background:var(--bg)}
img{max-width:100%;height:auto;display:block}
a{color:var(--brand);text-underline-offset:2px}
a:hover{color:var(--accent)}
:focus-visible{outline:3px solid var(--accent);outline-offset:2px;border-radius:4px}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:8px 12px;z-index:10}
.skip:focus{left:8px;top:8px}
.wrap{max-width:var(--max);margin:0 auto;padding:0 16px}
header.site{background:var(--brand);color:#fff}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:60px;flex-wrap:wrap}
.logo{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-weight:700;font-size:1.15rem;letter-spacing:.2px}
.logo:hover{color:#fff}
.logo svg{width:28px;height:28px}
nav.main ul{display:flex;gap:4px 18px;list-style:none;margin:0;padding:8px 0;flex-wrap:wrap}
nav.main a{color:#dfeef2;text-decoration:none;font-size:.95rem}
nav.main a:hover,nav.main a[aria-current]{color:#fff;text-decoration:underline}
main{padding:24px 0 48px}
.crumbs{font-size:.88rem;color:var(--muted);margin:0 0 8px}
.crumbs ol{list-style:none;padding:0;margin:0;display:flex;gap:6px;flex-wrap:wrap}
.crumbs li+li:before{content:"/";margin-right:6px;color:#9aa9af}
h1{font-size:clamp(1.7rem,4vw,2.4rem);line-height:1.2;margin:.2em 0 .4em;color:var(--brand-2)}
h2{font-size:1.45rem;line-height:1.3;margin:2em 0 .5em;color:var(--brand-2)}
h3{font-size:1.1rem;margin:1.4em 0 .4em}
.lead{font-size:1.1rem;color:var(--muted);max-width:760px}
.calc{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,1fr);gap:20px;margin:24px 0}
@media (max-width:820px){.calc{grid-template-columns:1fr}}
.panel{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:20px}
.panel h2{margin-top:0;font-size:1.15rem}
fieldset{border:0;padding:0;margin:0 0 12px}
legend{font-weight:700;margin-bottom:6px;color:var(--brand-2)}
.grid2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px 14px}
@media (max-width:480px){.grid2{grid-template-columns:1fr}}
.field label{display:block;font-size:.92rem;font-weight:600;margin-bottom:4px}
.field .hint{display:block;font-size:.8rem;color:var(--muted);font-weight:400;margin-top:2px}
.inp{display:flex;align-items:stretch;border:1px solid #9fb0b6;border-radius:8px;background:#fff;overflow:hidden}
.inp:focus-within{outline:3px solid var(--accent);outline-offset:1px}
.inp span{display:flex;align-items:center;padding:0 10px;background:var(--soft);color:var(--muted);font-size:.9rem}
.inp input,.inp select{flex:1;min-width:0;border:0;padding:10px;font:inherit;background:transparent;color:inherit}
.inp input:focus,.inp select:focus{outline:none}
select.full{width:100%;border:1px solid #9fb0b6;border-radius:8px;padding:10px;font:inherit;background:#fff}
.check{display:flex;gap:8px;align-items:flex-start;font-size:.92rem}
.check input{margin-top:5px;width:18px;height:18px}
details.adv{margin-top:8px;border-top:1px dashed var(--line);padding-top:10px}
details.adv summary{cursor:pointer;font-weight:600;color:var(--brand)}
.results{position:sticky;top:12px;align-self:start}
.big{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;margin-bottom:12px}
.kpi{background:var(--soft);border-radius:10px;padding:12px}
.kpi b{display:block;font-size:.78rem;text-transform:uppercase;letter-spacing:.5px;color:var(--muted);font-weight:600}
.kpi output{display:block;font-size:1.5rem;font-weight:700;color:var(--brand-2);font-variant-numeric:tabular-nums}
.kpi.main{grid-column:1/-1;background:var(--brand);color:#fff}
.kpi.main b{color:#cfe5eb}.kpi.main output{color:#fff;font-size:2rem}
.neg{color:var(--bad)!important}
.kpi.main .neg{color:#ffd2cc!important}
table{width:100%;border-collapse:collapse;font-variant-numeric:tabular-nums;font-size:.95rem}
th,td{text-align:left;padding:7px 8px;border-bottom:1px solid var(--line)}
td.n,th.n{text-align:right}
tfoot td,tfoot th{font-weight:700;border-top:2px solid var(--brand);border-bottom:0}
.table-scroll{overflow-x:auto}
.note{font-size:.85rem;color:var(--muted)}
.cta{display:grid;grid-template-columns:200px 1fr;gap:20px;align-items:center;background:#fff;border:2px solid var(--brand);border-radius:var(--radius);padding:18px;margin:28px 0}
.cta img{border-radius:8px;border:1px solid var(--line)}
.cta h2{margin:0 0 6px;font-size:1.2rem}
.cta p{margin:0 0 10px}
@media (max-width:640px){.cta{grid-template-columns:1fr}.cta img{max-width:260px}}
.btn{display:inline-block;background:var(--accent);color:var(--accent-ink);padding:11px 18px;border-radius:8px;font-weight:700;text-decoration:none;border:0;font:inherit;font-weight:700;cursor:pointer}
.btn:hover{background:#a8440b;color:#fff}
.btn.ghost{background:transparent;color:var(--brand);border:2px solid var(--brand)}
.btn.ghost:hover{background:var(--brand);color:#fff}
.btns{display:flex;gap:10px;flex-wrap:wrap}
.prose{max-width:780px}
.prose li{margin:.3em 0}
.formula{background:#fff;border-left:4px solid var(--brand);padding:10px 14px;font-family:ui-monospace,Consolas,monospace;font-size:.9rem;overflow-x:auto;white-space:pre-wrap}
.example{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:16px 18px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:10px;padding:12px 16px;margin:8px 0}
.faq summary{cursor:pointer;font-weight:600}
.faq details p{margin:.6em 0 0}
.disclaimer{background:#fff7ec;border:1px solid #f0d5b0;border-radius:10px;padding:12px 16px;font-size:.9rem;margin:28px 0}
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:16px;margin:16px 0;padding:0;list-style:none}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:18px;display:flex;flex-direction:column;gap:6px}
.card h3{margin:0;font-size:1.08rem}
.card p{margin:0;color:var(--muted);font-size:.95rem;flex:1}
.card a.more{font-weight:600}
.hero{background:linear-gradient(135deg,var(--brand) 0%,var(--brand-2) 100%);color:#fff;padding:44px 0 40px;margin-top:-24px;margin-bottom:24px}
.hero h1{color:#fff;max-width:760px}
.hero p{color:#d5e8ee;font-size:1.12rem;max-width:700px}
.bars{list-style:none;padding:0;margin:8px 0 0}
.bars li{display:grid;grid-template-columns:110px 1fr 52px;gap:8px;align-items:center;font-size:.85rem;margin:4px 0}
.bars .bar{height:12px;background:var(--soft);border-radius:6px;overflow:hidden}
.bars .bar i{display:block;height:100%;background:var(--brand)}
.rows input{width:100%}
.budget-table input{width:100%;min-width:70px;border:1px solid #9fb0b6;border-radius:6px;padding:7px;font:inherit;text-align:right}
.budget-table input[type=text]{text-align:left;min-width:110px}
.budget-table td{padding:4px}
footer.site{background:#0e2f3a;color:#c8dbe1;padding:28px 0;font-size:.9rem}
footer.site a{color:#fff}
footer.site .cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:20px}
footer.site h2{color:#fff;font-size:1rem;margin:0 0 8px}
footer.site ul{list-style:none;padding:0;margin:0}
footer.site li{margin:4px 0}
.vh{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
@media print{header.site,footer.site,.cta,nav{display:none}}
@media (prefers-reduced-motion:reduce){*{scroll-behavior:auto!important}}
.hero .btn.ghost{border-color:#fff;color:#fff}.hero .btn.ghost:hover{background:#fff;color:var(--brand)}
.budget-table th:first-child,.budget-table td:first-child{width:44%}.budget-table td.n{white-space:nowrap;font-size:.85rem}