:root {
  --navy: #071229;
  --navy-2: #0b1b39;
  --navy-3: #10264d;
  --gold: #ffc53d;
  --gold-2: #e8a91f;
  --white: #eef2f6;
  --muted: #aab7ca;
  --line: rgba(238, 242, 246, .14);
  --good: #4fd1a5;
  --warn: #ffcf66;
  --danger: #ff7a7a;
  --max: 1180px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--white);
  background: var(--navy);
  font-family: Barlow, system-ui, sans-serif;
  font-size: 18px;
  line-height: 1.55;
}
a { color: inherit; }
img { max-width: 100%; }
.skip { position: absolute; left: -9999px; }
.skip:focus { left: 1rem; top: 1rem; z-index: 100; background: var(--gold); color: var(--navy); padding: .6rem 1rem; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  background: rgba(7,18,41,.94);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(12px);
}
.nav {
  max-width: var(--max);
  min-height: 76px;
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; }
.brand img { width: 92px; height: auto; }
.brand small { color: var(--muted); font-weight: 600; letter-spacing: .09em; font-size: .68rem; }
.nav-links { display: flex; flex-wrap: wrap; justify-content: flex-end; gap: 18px; }
.nav-links a { font: 600 .78rem Oswald, sans-serif; letter-spacing: .06em; text-decoration: none; }
.nav-links a:hover, .nav-links a[aria-current="page"] { color: var(--gold); }

.wrap { max-width: var(--max); margin: 0 auto; padding: 0 24px; }
.hero { position: relative; overflow: hidden; border-bottom: 1px solid var(--line); }
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 84% 14%, rgba(255,197,61,.14), transparent 28%), linear-gradient(135deg, #071229 10%, #0c2043 100%);
}
.hero-grid { position: relative; display: grid; grid-template-columns: 1.25fr .75fr; gap: 60px; align-items: center; min-height: 500px; padding-top: 78px; padding-bottom: 78px; }
.kicker, .section-number { color: var(--gold); font: 600 .8rem Oswald, sans-serif; letter-spacing: .16em; text-transform: uppercase; }
h1, h2, h3 { font-family: Oswald, sans-serif; text-transform: uppercase; line-height: 1.05; margin: 0 0 18px; }
h1 { font-size: clamp(2.85rem, 7vw, 6rem); letter-spacing: -.035em; }
h2 { font-size: clamp(2.1rem, 5vw, 3.8rem); letter-spacing: -.025em; }
h3 { font-size: 1.45rem; }
.lead { max-width: 760px; color: #d3dbea; font-size: clamp(1.05rem, 2vw, 1.28rem); }
.hero-mark { border-left: 1px solid var(--line); padding-left: 38px; }
.hero-mark strong { display: block; color: var(--gold); font: 700 clamp(4rem, 9vw, 8rem) Oswald, sans-serif; line-height: .9; }
.hero-mark span { display: block; margin-top: 16px; color: var(--muted); font-weight: 600; }
.actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  min-height: 52px;
  padding: 12px 22px;
  border: 1px solid var(--gold);
  border-radius: 2px;
  color: var(--navy);
  background: var(--gold);
  font: 600 1rem Oswald, sans-serif;
  letter-spacing: .04em;
  text-decoration: none;
  text-transform: uppercase;
  cursor: pointer;
}
.btn:hover { background: #ffd469; }
.btn.secondary { color: var(--white); background: transparent; border-color: var(--line); }
.btn.secondary:hover { border-color: var(--gold); color: var(--gold); }

section { padding: 76px 0; border-bottom: 1px solid var(--line); }
.section-head { max-width: 790px; margin-bottom: 34px; }
.section-head p { color: var(--muted); }
.grid { display: grid; gap: 20px; }
.tools-grid { grid-template-columns: repeat(3, 1fr); }
.card {
  position: relative;
  padding: 28px;
  background: linear-gradient(145deg, rgba(16,38,77,.82), rgba(8,23,51,.9));
  border: 1px solid var(--line);
  min-height: 220px;
}
.card:hover { border-color: rgba(255,197,61,.55); }
.card .tag { color: var(--gold); font: 600 .72rem Oswald, sans-serif; letter-spacing: .12em; text-transform: uppercase; }
.card h3 { margin-top: 18px; }
.card p { color: var(--muted); }
.card-link { position: absolute; inset: 0; }
.card-cta { color: var(--gold); font: 600 .85rem Oswald, sans-serif; text-transform: uppercase; }

.calculator-layout { display: grid; grid-template-columns: minmax(0, 1fr) minmax(320px, .78fr); gap: 26px; align-items: start; }
.calc-panel, .result-panel { padding: clamp(24px, 4vw, 42px); background: var(--navy-2); border: 1px solid var(--line); }
.result-panel { position: sticky; top: 100px; }
.form-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px; }
.field.full { grid-column: 1 / -1; }
label { display: block; margin-bottom: 7px; color: #dfe6f0; font-weight: 600; font-size: .92rem; }
input, select {
  width: 100%;
  height: 52px;
  padding: 0 14px;
  border: 1px solid rgba(238,242,246,.22);
  border-radius: 2px;
  color: var(--white);
  background: #07152f;
  font: 500 1rem Barlow, sans-serif;
}
input:focus, select:focus { outline: 2px solid var(--gold); outline-offset: 1px; }
.help { display: block; margin-top: 6px; color: var(--muted); font-size: .8rem; }
.calc-actions { margin-top: 24px; }
.error { min-height: 1.5em; color: var(--danger); font-weight: 600; }
.result-empty { color: var(--muted); text-align: center; padding: 46px 10px; }
.result-main { margin: 6px 0 22px; }
.result-main strong { display: block; color: var(--gold); font: 700 clamp(3.7rem, 8vw, 6.3rem) Oswald, sans-serif; line-height: 1; }
.result-main span { color: var(--muted); }
.result-note { margin-top: 18px; padding: 16px; border-left: 3px solid var(--gold); background: rgba(255,197,61,.07); color: #d7dfeb; font-size: .9rem; }
.result-status { display: inline-block; margin: 0 0 14px; padding: 5px 9px; background: rgba(79,209,165,.12); color: var(--good); font: 600 .75rem Oswald, sans-serif; letter-spacing: .08em; text-transform: uppercase; }
.table-wrap { overflow-x: auto; border: 1px solid var(--line); }
table { width: 100%; border-collapse: collapse; min-width: 560px; }
th, td { padding: 14px 16px; border-bottom: 1px solid var(--line); text-align: left; vertical-align: top; }
th { color: var(--gold); background: rgba(255,197,61,.06); font: 600 .82rem Oswald, sans-serif; letter-spacing: .05em; text-transform: uppercase; }
td:last-child, th:last-child { text-align: right; }
tr:last-child td { border-bottom: 0; }
.result-table { min-width: 0; }
.result-table td:first-child { color: var(--muted); }
.result-table td:last-child { color: var(--white); font-weight: 700; }

.content-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; }
.prose p, .prose li { color: #c6d0df; }
.prose h3 { margin-top: 30px; }
.prose a, .references a { color: var(--gold); text-underline-offset: 3px; }
.callout { padding: 24px; border: 1px solid rgba(255,197,61,.35); background: rgba(255,197,61,.06); }
.callout strong { color: var(--gold); }
.references { margin: 0; padding-left: 1.2rem; }
.references li { margin-bottom: 12px; color: #c6d0df; }
.faq { display: grid; gap: 10px; }
details { border: 1px solid var(--line); background: var(--navy-2); }
summary { padding: 20px 22px; cursor: pointer; font: 600 1rem Oswald, sans-serif; text-transform: uppercase; }
details p { margin: 0; padding: 0 22px 22px; color: #c6d0df; }

.related { grid-template-columns: repeat(3, 1fr); }
.cta-strip { display: grid; grid-template-columns: 1fr auto; gap: 28px; align-items: center; padding: 38px; border: 1px solid var(--line); background: linear-gradient(120deg, var(--navy-3), #071229); }
.cta-strip h2 { font-size: clamp(2rem, 4vw, 3rem); }
.site-footer { padding: 42px 0; color: var(--muted); }
.footer-grid { display: grid; grid-template-columns: 1.3fr .7fr; gap: 40px; }
.site-footer a { color: var(--white); }
.disclaimer { font-size: .82rem; color: var(--muted); }
.hidden { display: none !important; }

@media (max-width: 900px) {
  .nav { align-items: flex-start; padding-top: 15px; padding-bottom: 15px; }
  .nav-links { gap: 10px 14px; }
  .hero-grid, .calculator-layout, .content-grid { grid-template-columns: 1fr; }
  .hero-mark { display: none; }
  .tools-grid, .related { grid-template-columns: repeat(2, 1fr); }
  .result-panel { position: static; }
  .cta-strip { grid-template-columns: 1fr; }
}

@media (max-width: 620px) {
  body { font-size: 16px; }
  .nav { display: block; }
  .brand { justify-content: space-between; }
  .brand small { display: none; }
  .nav-links { margin-top: 14px; justify-content: flex-start; }
  .nav-links a:nth-child(n+5) { display: none; }
  .hero-grid { min-height: auto; padding-top: 56px; padding-bottom: 56px; }
  section { padding: 56px 0; }
  .tools-grid, .related, .form-grid { grid-template-columns: 1fr; }
  .field.full { grid-column: auto; }
  .calc-panel, .result-panel { padding: 22px; }
  .result-main strong { font-size: 4rem; }
  .cta-strip { padding: 26px; }
  .footer-grid { grid-template-columns: 1fr; }
}

@media print {
  .site-header, .actions, .calc-actions, .cta-strip, .site-footer { display: none !important; }
  body { color: #111; background: white; }
  .calc-panel, .result-panel, .card { color: #111; background: white; border-color: #aaa; }
}