:root{--navy:#1F2A44;--or:#E07A2E;--bg:#F6F4EF;--muted:#5A6578;--line:#DEE2E8;--card:#fff}
*{box-sizing:border-box}body{margin:0;background:var(--bg);color:var(--navy);font:17px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,sans-serif}
a{color:var(--or)}header{background:var(--navy);padding:14px 16px}header .in{max-width:1040px;margin:auto;display:flex;align-items:center;gap:12px}
header img{width:40px;height:40px}header a.brand{color:#fff;text-decoration:none;font-weight:900;font-size:20px}header a.brand span{color:var(--or)}
nav{background:#fff;border-bottom:1px solid var(--line);overflow-x:auto;white-space:nowrap}nav .in{max-width:1040px;margin:auto;padding:8px 16px}
nav a{display:inline-block;margin-right:16px;color:var(--navy);text-decoration:none;font-weight:600;font-size:15px}nav a.on{color:var(--or)}
main{max-width:1040px;margin:auto;padding:24px 16px 48px}h1{font-size:clamp(28px,5vw,42px);line-height:1.15;margin:8px 0}p.lede{color:var(--muted);font-size:19px;margin-top:0}
.calc{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin:24px 0}@media(max-width:760px){.calc{grid-template-columns:1fr}}
.card{background:var(--card);border-radius:16px;padding:20px;box-shadow:0 6px 24px rgba(20,30,50,.08)}
label{display:block;font-size:14px;font-weight:600;color:var(--muted);margin:10px 0 4px}input{width:100%;padding:10px 12px;font-size:17px;border:1px solid var(--line);border-radius:10px;background:#FFF9EA}
.res .row{display:flex;justify-content:space-between;gap:12px;padding:10px 0;border-bottom:1px solid var(--line)}.res .row b{white-space:nowrap}
.res .big{display:block;border:0;padding:6px 0 14px}.res .big span{display:block;color:var(--or);font-weight:700;font-size:14px;text-transform:uppercase;letter-spacing:.03em}.res .big b{font-size:clamp(32px,6vw,48px);font-weight:900}
.cta{background:var(--navy);color:#fff;border-radius:16px;padding:22px;margin:28px 0;display:flex;gap:18px;align-items:center;flex-wrap:wrap}
.cta p{margin:0;flex:1 1 320px}.cta a{background:var(--or);color:#fff;text-decoration:none;font-weight:800;padding:12px 18px;border-radius:12px;white-space:nowrap}
table{border-collapse:collapse;background:#fff;border-radius:12px;overflow:hidden}td,th{padding:8px 16px;border-bottom:1px solid var(--line);text-align:left}
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:16px;margin-top:20px}.grid a{text-decoration:none;color:var(--navy)}.grid .card h3{margin:0 0 6px}.grid .card p{margin:0;color:var(--muted);font-size:15px}
footer{color:var(--muted);font-size:14px;text-align:center;padding:24px 16px}code{background:#fff;padding:2px 6px;border-radius:6px}