*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{--bg:#07111f;--surf:#0d1f35;--surf2:#132840;--line:#1e3855;--ink:#dce8f4;
--ink2:#6b8fab;--p:#00d4aa;--p-dark:#00a887;--p-dim:rgba(0,212,170,.12);
--warn:#f5a623;--bad:#ef4444;--f:"IBM Plex Sans",sans-serif;--fm:"IBM Plex Mono",monospace}
body{font-family:var(--f);background:var(--bg);color:var(--ink);line-height:1.65}
nav{position:sticky;top:0;z-index:100;backdrop-filter:blur(16px);-webkit-backdrop-filter:blur(16px);
background:rgba(7,17,31,.85);border-bottom:1px solid var(--line);padding:0 24px;height:60px;
display:flex;align-items:center;justify-content:space-between}
.nav-logo{font-family:var(--fm);font-size:1rem;font-weight:600;color:var(--p);text-decoration:none;letter-spacing:-.03em}
.nav-cta{background:var(--p);color:#000;border-radius:8px;font-size:.88rem;font-weight:700;
padding:10px 20px;text-decoration:none;transition:background .18s}
.nav-cta:hover{background:var(--p-dark)}
main{max-width:760px;margin:0 auto;padding:48px 20px 80px}
h1{font-size:clamp(1.7rem,4.5vw,2.4rem);font-weight:700;letter-spacing:-.03em;line-height:1.15;margin-bottom:12px}
.intro{color:var(--ink2);font-size:1rem;margin-bottom:32px;max-width:620px}
.calc-card{background:var(--surf);border:1px solid var(--line);border-radius:16px;padding:28px;margin-bottom:40px}
.field{display:flex;flex-direction:column;gap:7px;margin-bottom:18px}
.field label{font-size:.8rem;font-weight:600;color:var(--ink2);text-transform:uppercase;letter-spacing:.05em}
.field input,.field select{background:var(--surf2);border:2px solid var(--line);border-radius:10px;
color:var(--ink);font-family:var(--fm);font-size:1.15rem;font-weight:600;padding:13px 16px;outline:none;
transition:border-color .18s;width:100%;-moz-appearance:textfield}
.field input::-webkit-outer-spin-button,.field input::-webkit-inner-spin-button{-webkit-appearance:none}
.field input:focus,.field select:focus{border-color:var(--p)}
.field .hint{font-size:.78rem;color:var(--ink2);font-weight:400;text-transform:none;letter-spacing:0}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media(max-width:560px){.grid2{grid-template-columns:1fr}}
.result{border-top:1px solid var(--line);margin-top:8px;padding-top:20px}
.result-main{font-family:var(--fm);font-size:2.2rem;font-weight:600;color:var(--p);letter-spacing:-.03em}
.result-label{font-size:.75rem;font-weight:700;text-transform:uppercase;letter-spacing:.1em;color:var(--ink2);margin-bottom:4px}
.result-sub{font-size:.85rem;color:var(--ink2);margin-top:4px}
.result-rows{margin-top:18px;display:flex;flex-direction:column}
.rrow{display:flex;justify-content:space-between;padding:8px 0;border-top:1px solid var(--line);font-size:.88rem}
.rrow .n{color:var(--ink2)}.rrow .v{font-family:var(--fm);font-weight:600}
.rrow .v.neg{color:var(--ink)}.rrow .v.pos{color:var(--p)}
section{margin-bottom:40px}
h2{font-size:1.3rem;font-weight:700;letter-spacing:-.02em;margin-bottom:14px}
section p{color:var(--ink2);font-size:.95rem;margin-bottom:12px}
section ul,section ol{color:var(--ink2);font-size:.95rem;padding-left:22px;margin-bottom:12px}
section li{margin-bottom:6px}
.faq details{border:1px solid var(--line);border-radius:10px;margin-bottom:10px;background:var(--surf)}
.faq summary{padding:14px 18px;font-weight:600;font-size:.95rem;cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center}
.faq summary::after{content:"+";color:var(--p);font-size:1.2rem;font-weight:400}
.faq details[open] summary::after{content:"−"}
.faq .faq-a{padding:0 18px 16px;color:var(--ink2);font-size:.9rem}
.cta-block{background:var(--surf);border:1.5px solid var(--p);border-radius:16px;padding:28px;text-align:center;margin-bottom:40px}
.cta-block h2{margin-bottom:8px}
.cta-block p{color:var(--ink2);font-size:.92rem;margin-bottom:18px}
.btn-cta{display:inline-flex;align-items:center;gap:8px;background:var(--p);color:#000;border-radius:12px;
font-size:1rem;font-weight:700;padding:15px 26px;text-decoration:none;transition:background .18s}
.btn-cta:hover{background:var(--p-dark)}
.related{display:grid;grid-template-columns:1fr 1fr;gap:10px}
@media(max-width:560px){.related{grid-template-columns:1fr}}
.related a{background:var(--surf);border:1px solid var(--line);border-radius:10px;padding:14px 16px;
text-decoration:none;color:var(--ink);font-size:.9rem;font-weight:600;transition:border-color .18s}
.related a:hover{border-color:var(--p)}
.related a span{display:block;color:var(--ink2);font-size:.78rem;font-weight:400;margin-top:2px}
.disclaimer{font-size:.78rem;color:var(--ink2);opacity:.75;margin-top:24px}
footer{border-top:1px solid var(--line);padding:28px 24px;display:flex;justify-content:space-between;
align-items:center;gap:16px;max-width:1100px;margin:0 auto;flex-wrap:wrap}
footer p{font-size:.8rem;color:var(--ink2)}
footer nav{all:unset;display:flex;gap:18px;flex-wrap:wrap}
footer a{font-size:.8rem;color:var(--ink2);text-decoration:none}
footer a:hover{color:var(--ink)}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible{outline:3px solid var(--p);outline-offset:2px}
@media(prefers-reduced-motion:reduce){*,*::before,*::after{transition-duration:.01ms!important;animation-duration:.01ms!important}}