:root{
  --bg:#0b0d12;
  --panel:#131722;
  --panel-2:#171c28;
  --text:#e8edf4;
  --muted:#a4afbf;
  --border:#263044;
  --accent:#54c6eb;
  --accent-2:#2f7de1;
  --good:#25c26e;
  --warm:#f2b84b;
  --shadow:0 18px 40px rgba(0,0,0,.24);
  --radius:18px;
  --max:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  background:linear-gradient(180deg,#0b0d12 0%, #0c1018 100%);
  color:var(--text);
  font:16px/1.7 system-ui,-apple-system,Segoe UI,Roboto,Inter,Arial,sans-serif;
}
a{color:var(--accent);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%;height:auto}
code{font-family:ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;background:#0e121a;padding:.1rem .35rem;border-radius:6px}
.site-header{
  position:sticky;top:0;z-index:20;
  backdrop-filter:blur(10px);
  background:rgba(10,13,18,.86);
  border-bottom:1px solid rgba(255,255,255,.06);
}
.wrap{
  max-width:var(--max);
  margin:0 auto;
  padding:0 18px;
}
.header-inner{
  display:flex;align-items:center;justify-content:space-between;gap:20px;
  min-height:72px;
}
.brand{
  color:#fff;font-weight:800;letter-spacing:.2px;font-size:1.15rem;
}
.brand small{
  display:block;font-weight:500;color:var(--muted);font-size:.78rem;letter-spacing:0;
}
.nav{
  display:flex;gap:18px;flex-wrap:wrap;align-items:center;
}
.nav a{
  color:var(--muted);font-weight:600;font-size:.96rem;
}
.nav a:hover,.nav a.active{color:#fff;text-decoration:none}
main{
  max-width:var(--max);
  margin:0 auto;
  padding:28px 18px 56px;
}
.hero{
  display:grid;
  grid-template-columns:1.15fr .85fr;
  gap:22px;
  margin-bottom:22px;
}
.card{
  background:linear-gradient(180deg,var(--panel) 0%, var(--panel-2) 100%);
  border:1px solid var(--border);
  border-radius:var(--radius);
  box-shadow:var(--shadow);
}
.hero-copy,.hero-side,.section,.article-shell,.legal-shell,.contact-shell{
  padding:26px;
}
.kicker{
  display:inline-flex;
  align-items:center;
  gap:8px;
  background:rgba(84,198,235,.08);
  border:1px solid rgba(84,198,235,.18);
  color:#bdeffe;
  border-radius:999px;
  padding:6px 12px;
  font-size:.83rem;
  font-weight:700;
  letter-spacing:.15px;
}
.hero h1,.page-hero h1{
  font-size:clamp(2rem,5vw,3.35rem);
  line-height:1.08;
  margin:.9rem 0 1rem;
  letter-spacing:-.02em;
}
.hero p.lead,.page-hero p.lead{
  margin:0 0 1rem;
  color:#d7deea;
  font-size:1.08rem;
}
.hero-meta{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:12px;
  margin-top:18px;
}
.hero-meta .mini{
  background:#0f131b;
  border:1px solid var(--border);
  border-radius:14px;
  padding:14px;
}
.hero-meta strong{
  display:block;font-size:1.06rem;color:#fff
}
.hero-meta span{color:var(--muted);font-size:.93rem}
.callout{
  background:#101724;
  border:1px solid #27405c;
  border-radius:16px;
  padding:16px 18px;
  margin-top:16px;
  color:#d8e8f6;
}
.callout strong{color:#fff}
.btn-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:18px}
.btn{
  appearance:none;border:0;cursor:pointer;
  padding:13px 18px;border-radius:14px;
  font-weight:800;letter-spacing:.2px;
  font-size:.98rem;
  transition:transform .08s ease, box-shadow .08s ease, opacity .2s ease;
}
.btn-primary{
  color:#fff;
  background:linear-gradient(180deg,#2f7de1,#1f5fbc);
  box-shadow:0 12px 28px rgba(47,125,225,.28);
}
.btn-secondary{
  color:#e7eff8;background:#0f131b;border:1px solid var(--border)
}
.btn:hover{transform:translateY(-1px);text-decoration:none}
.notice{
  border-left:4px solid var(--warm);
  background:rgba(242,184,75,.08);
  padding:14px 16px;
  border-radius:12px;
  color:#f7ebc9;
  margin:18px 0 0;
}
.split{
  display:grid;grid-template-columns:1fr 1fr;gap:22px;
}
.page-hero{
  padding:28px 28px 20px;
  margin-bottom:22px;
}
.page-hero .eyebrow{
  color:#9ecbf7;
  font-size:.84rem;
  text-transform:uppercase;
  letter-spacing:.12em;
  font-weight:800;
}
.breadcrumbs{
  color:var(--muted);
  margin-bottom:12px;
  font-size:.94rem;
}
.breadcrumbs a{color:var(--muted)}
.breadcrumbs a:hover{color:#fff}
.section{
  margin-bottom:22px;
}
.section h2,.article-shell h2,.legal-shell h2,.contact-shell h2{
  margin:.2rem 0 .8rem;
  font-size:1.55rem;
  line-height:1.2;
}
.section h3,.article-shell h3,.legal-shell h3,.contact-shell h3{
  margin:1.4rem 0 .55rem;
  font-size:1.12rem;
  line-height:1.28;
}
.section p,.article-shell p,.legal-shell p,.contact-shell p,
.section li,.article-shell li,.legal-shell li,.contact-shell li{
  color:#d4dbe8;
}
.section ul,.article-shell ul,.legal-shell ul,.contact-shell ul,
.section ol,.article-shell ol,.legal-shell ol,.contact-shell ol{
  padding-left:1.15rem;
}
.grid-3{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:16px;
}
.grid-2{
  display:grid;
  grid-template-columns:repeat(2,1fr);
  gap:16px;
}
.info-card{
  background:#0f131b;
  border:1px solid var(--border);
  border-radius:16px;
  padding:18px;
}
.info-card h3{
  margin:0 0 .55rem;
  font-size:1.08rem;
}
.info-card p:last-child{margin-bottom:0}
.tag{
  display:inline-block;
  margin:0 8px 8px 0;
  padding:6px 10px;
  border-radius:999px;
  background:#0f131b;
  border:1px solid var(--border);
  color:#dfe8f5;
  font-size:.85rem;
  font-weight:700;
}
.form-shell{
  padding:24px;
}
.calc-grid{
  display:grid;
  grid-template-columns:repeat(2,1fr);
  gap:14px;
}
label{
  display:block;
  color:var(--muted);
  margin:0 0 6px;
  font-weight:700;
}
input,select{
  width:100%;
  padding:12px 14px;
  border-radius:14px;
  border:1px solid var(--border);
  background:#0e1219;
  color:var(--text);
  font:inherit;
}
.helper{color:var(--muted);font-size:.92rem}
.preset-row{
  display:flex;gap:10px;flex-wrap:wrap;margin-top:14px
}
.preset{
  border:1px solid var(--border);
  background:#0f131b;
  color:#dbe6f3;
  border-radius:999px;
  padding:8px 12px;
  font-weight:700;
  cursor:pointer;
}
.result[hidden]{display:none}
.kpi-grid{
  display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:18px
}
.kpi{
  background:#0e1219;
  border:1px solid var(--border);
  border-radius:14px;
  padding:14px;
}
.kpi .label{display:block;color:var(--muted);font-size:.92rem}
.kpi strong{display:block;margin-top:4px;font-size:1.08rem}
.bars{
  margin-top:18px;
}
.bar{
  display:grid;
  grid-template-columns:minmax(120px,260px) 1fr 120px;
  gap:12px;
  align-items:center;
  margin:10px 0;
}
.bar-label{color:#dfe5f0;font-weight:700}
.bar-track{
  width:100%;
  border:1px solid var(--border);
  border-radius:999px;
  overflow:hidden;
  background:#0e1219;
  height:16px;
}
.bar-fill{
  height:100%;
  width:0%;
  background:linear-gradient(90deg,#56cdf1,#2381df);
}
.bar.user .bar-fill{background:linear-gradient(90deg,#2acf7c,#1e9b5f)}
.bar.user .bar-label{color:#fff}
.bar-value{
  color:#d9e0ec;
  text-align:right;
  font-variant-numeric:tabular-nums;
}
.compare-table{
  width:100%;
  border-collapse:collapse;
  margin:12px 0 4px;
}
.compare-table th,.compare-table td{
  border:1px solid var(--border);
  padding:12px 12px;
  vertical-align:top;
}
.compare-table th{
  background:#0e1219;
  color:#fff;
  text-align:left;
}
.compare-table td{color:#d5ddeb}
.toc{
  background:#0f131b;
  border:1px solid var(--border);
  border-radius:16px;
  padding:18px 20px;
  margin:0 0 20px;
}
.toc h2{font-size:1.1rem;margin:0 0 .55rem}
.toc ol{margin:0;padding-left:1.1rem}
.quote{
  border-left:4px solid var(--accent);
  padding:10px 0 10px 16px;
  color:#dce7f4;
  background:rgba(84,198,235,.06);
  border-radius:0 12px 12px 0;
}
.formula{
  background:#0f131b;
  border:1px solid var(--border);
  border-radius:16px;
  padding:14px 16px;
  font-family:ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;
  color:#dff5ff;
  overflow:auto;
}
.cards-list{
  display:grid;
  grid-template-columns:repeat(2,1fr);
  gap:16px;
}
.guide-card{
  padding:22px;
  border-radius:18px;
  background:linear-gradient(180deg,#121722 0%, #161d2c 100%);
  border:1px solid var(--border);
  box-shadow:var(--shadow);
}
.guide-card h3{margin:.2rem 0 .55rem}
.guide-card p{color:#d5dceb}
.footer{
  border-top:1px solid rgba(255,255,255,.08);
  color:var(--muted);
  padding:26px 0 40px;
}
.footer .inner{
  max-width:var(--max);margin:0 auto;padding:0 18px;
  display:flex;justify-content:space-between;gap:18px;flex-wrap:wrap;
}
.footer a{color:var(--muted)}
.footer a:hover{color:#fff;text-decoration:none}
.small{font-size:.94rem}
.last-updated{
  color:var(--muted);
  font-size:.92rem;
  margin-top:20px;
}
@media (max-width:980px){
  .hero,.split,.grid-3,.grid-2,.cards-list,.hero-meta,.calc-grid,.kpi-grid{grid-template-columns:1fr}
  .bar{grid-template-columns:1fr}
  .bar-value{text-align:left}
  .header-inner{padding:6px 0}
}