:root{
  --ink:#17212b; --muted:#5b6672; --bg:#f6f8fb; --card:#ffffff;
  --brand:#0f5c4d; --brand2:#d9efe9; --line:#dfe5eb; --accent:#c88c2d;
  --good:#0a7a4b; --warn:#a15d00; --bad:#b42318;
}
*{box-sizing:border-box}
body{margin:0;font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;background:var(--bg);color:var(--ink);line-height:1.55}
a{color:var(--brand);text-decoration:none} a:hover{text-decoration:underline}
header{background:var(--card);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}
.wrap{max-width:1120px;margin:auto;padding:0 20px}
.nav{display:flex;align-items:center;justify-content:space-between;gap:18px;padding:15px 0}
.logo{font-weight:800;font-size:1.1rem;color:var(--ink)} .logo span{color:var(--brand)}
nav{display:flex;gap:16px;flex-wrap:wrap;font-size:.95rem}
.hero{padding:64px 0 36px}
.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:28px;align-items:center}
.eyebrow{font-weight:700;color:var(--brand);text-transform:uppercase;letter-spacing:.08em;font-size:.8rem}
h1{font-size:clamp(2.2rem,5vw,4.2rem);line-height:1.05;margin:.25em 0}
h2{font-size:1.7rem;margin-top:0}
.lede{font-size:1.15rem;color:var(--muted);max-width:740px}
.card,.calc{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:22px;box-shadow:0 8px 30px rgba(15,30,50,.05)}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.tool-card h3{margin:.2em 0 .3em}.tool-card p{color:var(--muted)}
.button{display:inline-block;background:var(--brand);color:white;border:0;border-radius:10px;padding:11px 16px;font-weight:700;cursor:pointer}
.button:hover{text-decoration:none;filter:brightness(.95)}
.button.secondary{background:white;color:var(--brand);border:1px solid var(--brand)}
main{padding-bottom:50px}
.section{padding:30px 0}
.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}
label{display:block;font-weight:650;font-size:.9rem;margin-bottom:6px}
input,select{width:100%;padding:12px;border:1px solid #bfc8d2;border-radius:9px;background:#fff;font-size:1rem}
.result{margin-top:18px;padding:18px;border-radius:12px;background:#eef6f3;border:1px solid #cbe3db}
.result strong.big{display:block;font-size:2rem;color:var(--brand)}
.kpis{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-top:14px}
.kpi{padding:12px;background:#fff;border:1px solid var(--line);border-radius:10px}
.kpi span{display:block;color:var(--muted);font-size:.8rem}.kpi strong{font-size:1.15rem}
.notice{padding:14px 16px;border-left:4px solid var(--accent);background:#fff8e9;border-radius:8px;margin:18px 0}
.good{color:var(--good)} .warn{color:var(--warn)} .bad{color:var(--bad)}
footer{border-top:1px solid var(--line);background:#fff;padding:28px 0;color:var(--muted);font-size:.9rem}
.small{font-size:.88rem;color:var(--muted)}
.prose{max-width:820px}.prose h2{margin-top:2rem}.prose h3{margin-top:1.5rem}
.pill{display:inline-block;padding:4px 9px;border-radius:99px;background:var(--brand2);color:var(--brand);font-size:.8rem;font-weight:700}
@media(max-width:800px){.hero-grid,.grid{grid-template-columns:1fr}.form-grid{grid-template-columns:1fr}.kpis{grid-template-columns:1fr}.nav{align-items:flex-start;flex-direction:column}.hero{padding-top:38px}}