:root{--ink:#1d4552;--teal:#1f5c6b;--teal-2:#2b7a87;--teal-soft:#e4eff0;--orange:#e8945a;--orange-d:#c9703a;--cream:#fbf7f2;--line:#e6e1d8;--text:#2c3a42;--muted:#66737c;--green:#2f8a5f;--red:#c0392b;--radius:14px;--shadow:0 6px 24px rgba(29,69,82,.08)}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--text);background:var(--cream);line-height:1.65;font-size:17px}
img,svg{max-width:100%;height:auto}
a{color:var(--teal-2)}
a:hover{color:var(--orange-d)}
h1,h2,h3,h4{color:var(--ink);line-height:1.2;letter-spacing:-.01em}
h1{font-size:clamp(1.9rem,4.6vw,2.8rem);margin:.2em 0 .35em;font-weight:800}
h1 .hl{color:var(--orange)}
h2{font-size:1.5rem;margin:2em 0 .6em;font-weight:750}
h3{font-size:1.15rem;margin:1.4em 0 .4em}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
.narrow{max-width:760px}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:9}
/* header */
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:5}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;min-height:62px;gap:12px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-weight:800;font-size:1.05rem}
.brand img{width:32px;height:32px}
.brand small{display:block;font-weight:500;color:var(--muted);font-size:.72rem;letter-spacing:.02em}
.site-nav{display:flex;gap:4px;flex-wrap:wrap}
.site-nav a{text-decoration:none;color:var(--ink);font-weight:600;font-size:.92rem;padding:8px 10px;border-radius:8px}
.site-nav a:hover,.site-nav a[aria-current=page]{background:var(--teal-soft);color:var(--teal)}
.nav-toggle{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:8px 10px;font-size:1rem;color:var(--ink);cursor:pointer}
@media (max-width:900px){.nav-toggle{display:block}.site-nav{display:none;position:absolute;left:0;right:0;top:62px;background:#fff;flex-direction:column;padding:8px 16px 14px;border-bottom:1px solid var(--line);box-shadow:var(--shadow)}.site-nav.open{display:flex}}
/* hero */
.hero{padding:42px 0 18px}
.pill{display:inline-block;background:var(--ink);color:#fff;font-weight:700;font-size:.75rem;letter-spacing:.08em;text-transform:uppercase;padding:6px 14px;border-radius:99px}
.lead{font-size:1.15rem;color:#47555e;max-width:720px}
.crumbs{font-size:.85rem;color:var(--muted);margin-top:22px}
.crumbs a{color:var(--muted)}
/* cards grid (home) */
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:18px;margin:26px 0}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;text-decoration:none;color:var(--text);box-shadow:var(--shadow);transition:transform .15s,border-color .15s;display:flex;flex-direction:column}
.card:hover{transform:translateY(-2px);border-color:var(--teal-2);color:var(--text)}
.card .ico{width:44px;height:44px;border-radius:12px;background:var(--teal-soft);display:grid;place-items:center;font-size:1.4rem;margin-bottom:10px}
.card h2,.card h3{margin:.2em 0 .3em;font-size:1.15rem}
.card p{margin:0 0 12px;color:#55636c;font-size:.95rem}
.card .go{margin-top:auto;color:var(--orange-d);font-weight:700;font-size:.92rem}
/* calculator panel */
.calc{background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow);padding:24px;margin:10px 0 30px}
.calc h2:first-child{margin-top:0}
.calc-top{display:flex;justify-content:space-between;align-items:center;gap:12px;flex-wrap:wrap;margin-bottom:6px}
.calc-top h2{margin:0;font-size:1.25rem}
.fields{display:grid;grid-template-columns:repeat(auto-fill,minmax(210px,1fr));gap:14px 18px;margin:14px 0}
label,.lbl{display:block;font-weight:650;font-size:.88rem;color:var(--ink);margin-bottom:5px}
.hint{display:block;font-weight:400;color:var(--muted);font-size:.8rem;margin-top:3px}
input[type=text],input[type=number],input[type=month],input[type=date],select{width:100%;font:inherit;font-size:16px;padding:10px 12px;border:1.5px solid #d8d2c7;border-radius:10px;background:#fff;color:var(--text);min-height:44px}
input:focus,select:focus{outline:none;border-color:var(--teal-2);box-shadow:0 0 0 3px rgba(43,122,135,.18)}
.radio-row{display:flex;gap:8px;flex-wrap:wrap}
.radio-row label{display:flex;align-items:center;gap:6px;font-weight:600;border:1.5px solid #d8d2c7;border-radius:10px;padding:9px 12px;cursor:pointer;margin:0;font-size:.9rem}
.radio-row label:has(input:checked){border-color:var(--teal-2);background:var(--teal-soft)}
.btn{display:inline-flex;align-items:center;gap:6px;font:inherit;font-weight:700;font-size:.92rem;border-radius:10px;padding:10px 16px;border:1.5px solid var(--teal);background:#fff;color:var(--teal);cursor:pointer;text-decoration:none;min-height:44px}
.btn:hover{background:var(--teal-soft)}
.btn.primary{background:var(--orange);border-color:var(--orange);color:#fff}
.btn.primary:hover{background:var(--orange-d);border-color:var(--orange-d);color:#fff}
.btn-row{display:flex;gap:10px;flex-wrap:wrap;margin:10px 0}
.cur{width:auto;min-height:38px;padding:6px 10px;font-size:14px}
/* editable tables */
.edit-table{width:100%;border-collapse:collapse;margin:8px 0}
.edit-table th{text-align:left;font-size:.8rem;color:var(--muted);font-weight:700;text-transform:uppercase;letter-spacing:.04em;padding:6px 6px}
.edit-table td{padding:5px 6px}
.edit-table .row-x{width:40px}
.btn-x{border:none;background:#f3eee6;color:var(--muted);width:36px;height:36px;border-radius:9px;font-size:1.3rem;cursor:pointer;line-height:1}
.btn-x:hover{background:#f6dcd3;color:var(--red)}
@media (max-width:640px){
 .edit-table thead{display:none}
 .edit-table tr{display:grid;grid-template-columns:1fr 1fr;gap:6px 10px;border:1px solid var(--line);border-radius:12px;padding:10px;margin-bottom:10px;position:relative}
 .edit-table td{padding:0}
 .edit-table td:first-child{grid-column:1/-1;padding-right:44px}
 .edit-table td[data-label]::before{content:attr(data-label);display:block;font-size:.75rem;font-weight:700;color:var(--muted);margin-bottom:2px}
 .edit-table .row-x{position:absolute;top:10px;right:10px}
}
/* results */
.results{margin-top:18px;border-top:1px dashed var(--line);padding-top:18px}
.kpis{display:grid;grid-template-columns:repeat(auto-fill,minmax(190px,1fr));gap:12px;margin:6px 0 14px}
.kpi{background:var(--teal-soft);border-radius:12px;padding:14px 16px}
.kpi span{display:block;font-size:.74rem;font-weight:750;text-transform:uppercase;letter-spacing:.05em;color:var(--teal)}
.kpi strong{display:block;font-size:1.6rem;color:var(--ink);line-height:1.25;margin:2px 0}
.kpi em{font-style:normal;font-size:.8rem;color:var(--muted)}
.kpi.accent{background:var(--ink)}
.kpi.accent span{color:#f6c7a5}.kpi.accent strong{color:#fff}.kpi.accent em{color:#c9d8dc}
.neg{color:var(--red)!important}
.result-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media (max-width:720px){.result-grid{grid-template-columns:1fr}}
.result-card{border:1.5px solid var(--line);border-radius:14px;padding:18px;position:relative}
.result-card.best{border-color:var(--orange);box-shadow:0 0 0 3px rgba(232,148,90,.15)}
.result-card.warn{border-color:#e9b4aa;background:#fdf3f0}
.result-card h3{margin:0;font-size:1rem;text-transform:uppercase;letter-spacing:.05em;color:var(--teal)}
.result-card .big{font-size:1.9rem;font-weight:800;color:var(--ink);margin:4px 0 0;line-height:1.2}
.result-card .muted{color:var(--muted);margin:0 0 10px}
.result-card dl{display:grid;grid-template-columns:1fr auto;gap:4px 10px;margin:0 0 10px;font-size:.95rem}
.result-card dt{color:var(--muted)}.result-card dd{margin:0;font-weight:700;text-align:right}
.result-card h4{margin:10px 0 4px;font-size:.8rem;text-transform:uppercase;letter-spacing:.05em;color:var(--muted)}
.tag{position:absolute;top:14px;right:14px;background:var(--orange);color:#fff;font-size:.72rem;font-weight:800;padding:4px 10px;border-radius:99px;text-transform:uppercase;letter-spacing:.04em}
.order{margin:0;padding-left:20px;font-size:.92rem}
.order li span:last-child{float:right;color:var(--muted)}
.summary{background:#fff8f1;border-left:4px solid var(--orange);padding:12px 16px;border-radius:0 10px 10px 0;margin:14px 0}
.note{color:var(--muted)}
.bad{color:var(--red);font-weight:700}
.chart{margin:14px 0}
.chart svg{width:100%;display:block}
.legend{display:flex;gap:16px;flex-wrap:wrap;font-size:.85rem;color:var(--muted);margin-top:4px}
.legend i{display:inline-block;width:14px;height:4px;border-radius:2px;margin-right:6px;vertical-align:middle}
table.mini,table.schedule,.content table{width:100%;border-collapse:collapse;font-size:.95rem;margin:8px 0}
table.mini th,table.mini td,table.schedule th,table.schedule td,.content th,.content td{padding:8px 10px;border-bottom:1px solid var(--line);text-align:left}
table.mini td:last-child,table.schedule td:nth-child(n+3){text-align:right;font-variant-numeric:tabular-nums}
table.schedule th:nth-child(n+3){text-align:right}
.mini thead th,.schedule thead th,.content thead th{background:var(--ink);color:#fff;font-size:.82rem}
.table-scroll{max-height:520px;overflow:auto;border:1px solid var(--line);border-radius:10px}
.schedule thead th{position:sticky;top:0}
.ck{display:flex;align-items:center;gap:8px;margin:0;font-weight:600}
.ck input{width:18px;height:18px;accent-color:var(--teal)}
.bar-row{margin:10px 0}
.bar-label{display:flex;justify-content:space-between;font-size:.9rem;font-weight:650}
.bar-label em{font-style:normal;color:var(--muted);font-weight:500}
.bar{height:12px;background:#efe9df;border-radius:99px;position:relative;overflow:visible;margin-top:4px}
.bar i{display:block;height:100%;border-radius:99px}
.bar b{position:absolute;top:-4px;width:2px;height:20px;background:var(--ink)}
.sub{margin-top:18px}
.kpis.three{grid-template-columns:repeat(auto-fill,minmax(220px,1fr))}
/* CTA */
.cta{display:grid;grid-template-columns:1.1fr 1fr;gap:22px;align-items:center;background:linear-gradient(135deg,#fff 0%,#fff6ee 100%);border:1.5px solid #f1d2bb;border-radius:18px;padding:22px;margin:30px 0;box-shadow:var(--shadow)}
.cta img{border-radius:12px;border:1px solid var(--line);display:block}
.cta .kicker{font-size:.75rem;font-weight:800;color:var(--orange-d);text-transform:uppercase;letter-spacing:.08em}
.cta h2{margin:.2em 0 .3em;font-size:1.4rem}
.cta p{margin:0 0 10px;color:#4f5d66}
.cta ul{margin:0 0 14px;padding-left:20px;color:#4f5d66;font-size:.95rem}
.cta .price{font-weight:800;color:var(--ink)}
.cta small{display:block;color:var(--muted);margin-top:8px;font-size:.78rem}
@media (max-width:760px){.cta{grid-template-columns:1fr}.cta .cta-img{order:-1}}
/* content */
.content{max-width:760px}
.content p,.content li{color:#3a4850}
.content .callout{background:var(--teal-soft);border-radius:12px;padding:14px 18px;margin:16px 0}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:0 18px;margin:10px 0}
.faq summary{cursor:pointer;font-weight:700;color:var(--ink);padding:14px 0;list-style:none;position:relative;padding-right:28px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:0;top:10px;font-size:1.4rem;color:var(--orange)}
.faq details[open] summary::after{content:"\2212"}
.faq details p{margin:0 0 14px}
.disclaim{font-size:.85rem;color:var(--muted);border-top:1px solid var(--line);padding-top:12px;margin-top:26px}
.related{display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:12px;margin:12px 0 30px}
.related a{background:#fff;border:1px solid var(--line);border-radius:12px;padding:12px 14px;text-decoration:none;font-weight:700;color:var(--ink)}
.related a:hover{border-color:var(--teal-2)}
/* footer */
.site-footer{background:var(--ink);color:#c9d8dc;margin-top:50px;padding:34px 0 24px;font-size:.9rem}
.site-footer a{color:#fff;text-decoration:none}
.site-footer a:hover{text-decoration:underline;color:#fff}
.foot-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:24px}
.foot-grid h3{color:#fff;font-size:.85rem;text-transform:uppercase;letter-spacing:.06em;margin:0 0 8px}
.foot-grid ul{list-style:none;margin:0;padding:0}.foot-grid li{margin:4px 0}
.copy{border-top:1px solid rgba(255,255,255,.15);margin-top:22px;padding-top:14px;font-size:.8rem}
@media (max-width:720px){.foot-grid{grid-template-columns:1fr 1fr}.foot-grid>div:first-child{grid-column:1/-1}}
@media print{.site-header,.site-footer,.cta,.content,.faq,.related,.btn-row,.calc-top select,.crumbs{display:none!important}.calc{box-shadow:none;border:none}.table-scroll{max-height:none;overflow:visible}body{background:#fff}}
@media (max-width:640px){.calc{padding:16px;border-radius:14px}.kpis,.kpis.three{grid-template-columns:1fr 1fr;gap:10px}.kpi{padding:12px}.kpi strong{font-size:1.25rem}.kpi.accent{grid-column:1/-1}.hero{padding-top:26px}body{font-size:16px}}