:root {
  color-scheme: light;
  --ink: #171b25;
  --muted: #637083;
  --line: #cfd8e3;
  --paper: #ffffff;
  --soft: #eef7f8;
  --soft-2: #f4f7fb;
  --brand: #0f766e;
  --brand-dark: #115e59;
  --accent: #c2410c;
}
* { box-sizing: border-box; }
body {
  margin: 0;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--ink);
  background: linear-gradient(180deg, #edf8fa 0, #fff 420px);
}
a { color: inherit; }
.topbar {
  min-height: 92px;
  display: flex;
  align-items: stretch;
  justify-content: space-between;
  padding: 18px 36px;
  background: rgba(255,255,255,.9);
  border-bottom: 1px solid var(--line);
  position: sticky;
  top: 0;
  z-index: 10;
  backdrop-filter: blur(10px);
}
.brand {
  display: flex;
  gap: 16px;
  align-items: center;
  text-decoration: none;
  font-size: 28px;
  font-weight: 850;
}
.logo {
  width: 76px;
  height: 76px;
  display: grid;
  place-items: center;
  border-radius: 8px;
  background: var(--brand);
  color: white;
  font-size: 26px;
  letter-spacing: 0;
}
nav {
  display: flex;
  align-items: center;
  border: 1px solid var(--line);
  border-radius: 8px;
  overflow: hidden;
  background: white;
}
nav a {
  min-height: 74px;
  display: grid;
  place-items: center;
  padding: 0 28px;
  text-decoration: none;
  font-size: 18px;
  font-weight: 750;
  color: #586173;
  border-left: 1px solid var(--line);
}
nav a:first-child { border-left: 0; }
main { max-width: 1500px; margin: 0 auto; padding: 76px 30px 40px; }
.hero {
  display: grid;
  grid-template-columns: minmax(0, 1.35fr) minmax(360px, .65fr);
  gap: 36px;
  align-items: stretch;
}
.hero-copy, .hero-card, .panel, .content-grid article, .ad-note {
  background: rgba(255,255,255,.94);
  border: 1px solid var(--line);
  border-radius: 8px;
  box-shadow: 0 16px 45px rgba(15, 23, 42, .07);
}
.hero-copy { padding: 56px; }
.eyebrow {
  margin: 0 0 28px;
  text-transform: uppercase;
  color: var(--brand);
  font-weight: 900;
  letter-spacing: 0;
}
h1 {
  max-width: 960px;
  margin: 0;
  font-size: clamp(54px, 8vw, 128px);
  line-height: .96;
  letter-spacing: 0;
}
.lead {
  max-width: 850px;
  margin: 34px 0 0;
  font-size: 25px;
  line-height: 1.55;
  color: var(--muted);
}
.cta-row { display: flex; gap: 18px; align-items: center; margin-top: 36px; flex-wrap: wrap; }
.button, button {
  border: 1px solid var(--brand);
  background: var(--brand);
  color: white;
  border-radius: 8px;
  padding: 18px 28px;
  font-size: 18px;
  font-weight: 850;
  text-decoration: none;
  cursor: pointer;
}
.text-link { color: var(--brand-dark); font-weight: 800; text-decoration: none; }
.hero-card { padding: 42px; display: flex; flex-direction: column; gap: 18px; }
.hero-card h2 { margin: 0 0 8px; font-size: 25px; }
.hero-card a {
  display: block;
  padding: 22px 24px;
  border-radius: 8px;
  background: #e8eef3;
  color: #596273;
  font-weight: 850;
  text-decoration: none;
}
.tool-section { margin-top: 44px; }
.tool-grid { display: grid; grid-template-columns: minmax(0, 1fr) minmax(360px, .75fr); gap: 30px; }
.panel { padding: 32px; }
.panel h2, .content-grid h2 { margin: 0 0 22px; font-size: 28px; }
.calc-form { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.calc-form h2, .calc-form button { grid-column: 1 / -1; }
label { display: grid; gap: 8px; font-size: 16px; font-weight: 800; color: #2b3340; }
input, select {
  width: 100%;
  min-height: 60px;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 0 18px;
  font: inherit;
  font-weight: 800;
  color: var(--ink);
  background: white;
}
.suffix { display: grid; grid-template-columns: 1fr auto; align-items: center; border: 1px solid var(--line); border-radius: 8px; background: white; }
.suffix input { border: 0; }
.suffix b { padding-right: 18px; color: var(--muted); }
.result-total { font-size: 54px; font-weight: 950; color: var(--brand-dark); margin: 10px 0; }
dl { margin: 28px 0 0; display: grid; gap: 12px; }
dl div { display: flex; justify-content: space-between; gap: 16px; padding: 14px 0; border-bottom: 1px solid #e5eaf0; }
dt { color: var(--muted); font-weight: 750; }
dd { margin: 0; font-weight: 900; }
.note { color: var(--muted); line-height: 1.55; }
.ad-note {
  margin: 34px 0;
  min-height: 138px;
  display: grid;
  place-items: center;
  color: var(--muted);
  background: #f8fafc;
  font-weight: 750;
}
.content-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 24px;
  margin-top: 34px;
}
.content-grid.wide { grid-template-columns: 1fr; }
.content-grid article { padding: 34px; }
.content-grid p, .content-grid li { color: var(--muted); font-size: 18px; line-height: 1.7; }
.source-list { display: grid; gap: 12px; }
footer {
  max-width: 1500px;
  margin: 20px auto 50px;
  padding: 30px;
  display: flex;
  gap: 22px;
  flex-wrap: wrap;
  color: var(--muted);
}
@media (max-width: 980px) {
  .topbar { position: static; display: block; padding: 18px; }
  nav { margin-top: 16px; overflow-x: auto; justify-content: flex-start; }
  nav a { min-width: 170px; }
  main { padding: 34px 16px; }
  .hero, .tool-grid, .content-grid { grid-template-columns: 1fr; }
  .hero-copy { padding: 30px; }
  .calc-form { grid-template-columns: 1fr; }
  h1 { font-size: clamp(42px, 15vw, 72px); }
  .lead { font-size: 19px; }
}