:root{--ink:#14161C;--soft:#4B4F5A;--paper:#fff;--mist:#F2F1ED;--line:#E4E2DB;--gold:#A6801E;--gold-deep:#7E6116;--ok:#3D6B52;--warn:#8B3E36;--r:4px}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',-apple-system,BlinkMacSystemFont,sans-serif;color:var(--ink);background:var(--paper);line-height:1.65;-webkit-font-smoothing:antialiased}
a{color:var(--gold-deep)}
.wrap{max-width:1040px;margin:0 auto;padding:0 24px}
.narrow{max-width:760px}
header.site{border-bottom:1px solid var(--line);padding:16px 0;position:sticky;top:0;background:#fff;z-index:20}
.hrow{display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:10px;font-weight:700;font-size:17px;text-decoration:none;color:var(--ink)}
.mark{width:30px;height:30px;border-radius:7px;background:var(--ink);display:flex;align-items:center;justify-content:center;color:var(--gold);font-weight:900;font-size:14px}
nav.site{display:flex;align-items:center;gap:20px;flex-wrap:wrap;font-size:14px;font-weight:500}
nav.site a{color:var(--soft);text-decoration:none}
nav.site a:hover{color:var(--ink)}
.btn{display:inline-block;background:var(--ink);color:#fff!important;padding:11px 20px;border-radius:var(--r);font-weight:600;font-size:14.5px;text-decoration:none;border:0;cursor:pointer}
.btn:hover{background:#000}
.btn.gold{background:var(--gold)}
.btn.gold:hover{background:var(--gold-deep)}
.btn.sec{background:transparent;color:var(--ink)!important;border:1px solid var(--ink)}
.crumbs{font-size:13px;color:var(--soft);padding:18px 0 0}
.crumbs a{color:var(--soft)}
.hero{padding:44px 0 30px}
.eyebrow{font-size:12px;letter-spacing:.08em;text-transform:uppercase;color:var(--gold-deep);font-weight:700;margin-bottom:10px}
h1{font-size:36px;line-height:1.18;font-weight:800;letter-spacing:-.01em;margin-bottom:14px}
h2{font-size:24px;line-height:1.25;font-weight:700;margin:40px 0 12px}
h3{font-size:17.5px;font-weight:700;margin:24px 0 6px}
p{margin:0 0 14px;color:#2a2d36}
.lead{font-size:18px;color:var(--soft);max-width:680px}
ul,ol{margin:0 0 16px 22px}
li{margin-bottom:6px}
.cta-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:22px}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:16px;margin:18px 0}
.card{background:var(--mist);border:1px solid var(--line);border-radius:6px;padding:20px 22px}
.card h3{margin-top:0}
.card p{margin-bottom:0;font-size:15px;color:var(--soft)}
.card a.more{display:inline-block;margin-top:10px;font-weight:600;font-size:14px}
.band{background:var(--ink);color:#fff;padding:44px 0;margin-top:48px}
.band h2{color:#fff;margin-top:0}
.band p{color:#cfd1d8}
.calc{background:#FBF6E9;border:1px solid #EBD9A0;border-radius:8px;padding:24px;margin:20px 0}
.calc label{display:block;font-size:13.5px;font-weight:600;margin:0 0 4px}
.calc input[type=number],.calc input[type=date]{width:100%;padding:10px 12px;border:1px solid #cfc7ac;border-radius:var(--r);font:inherit;background:#fff}
.calc .fields{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:14px;margin-bottom:14px}
.calc .chk{display:flex;gap:8px;align-items:flex-start;font-weight:500;margin:6px 0 14px}
.calc .chk input{margin-top:5px}
.result{background:#fff;border:1px solid var(--line);border-radius:6px;padding:18px 20px;margin-top:16px;display:none}
.result.show{display:block}
.result .big{font-size:30px;font-weight:800;color:var(--ok);margin:2px 0 8px}
.result .big.warn{color:var(--warn);font-size:20px}
.result table{width:100%;border-collapse:collapse;font-size:14.5px}
.result td{padding:6px 0;border-bottom:1px solid var(--line)}
.result td:last-child{text-align:right;font-variant-numeric:tabular-nums}
.note{font-size:13.5px;color:var(--soft)}
.faq details{border-bottom:1px solid var(--line);padding:14px 0}
.faq summary{font-weight:600;cursor:pointer;font-size:16px}
.faq details p{margin:10px 0 0}
table.t{width:100%;border-collapse:collapse;margin:16px 0;font-size:15px}
table.t th,table.t td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}
table.t th{background:var(--mist)}
.meta{font-size:13.5px;color:var(--soft);margin-bottom:22px}
.related{margin-top:40px;padding-top:20px;border-top:1px solid var(--line)}
footer.site{border-top:1px solid var(--line);padding:28px 0;font-size:13.5px;color:var(--soft);margin-top:0}
footer.site .frow{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}
footer.site a{color:var(--soft);margin-right:16px;text-decoration:none}
footer.site a:hover{color:var(--ink)}
@media(max-width:640px){h1{font-size:28px}.hero{padding-top:28px}nav.site{gap:14px}}