:root {
  --bg: #F3F0EA; --card: #FFFFFF; --ink: #1F3A5F; --text: #2D3748; --muted: #5A6778;
  --teal: #2A7F8C; --gold: #E0A800; --line: #E2DDD3; --soft: #EAF0F2;
}
* { box-sizing: border-box; }
body { margin: 0; background: var(--bg); color: var(--text); font: 17px/1.55 "Helvetica Neue", Helvetica, Arial, sans-serif; }
a { color: var(--teal); }
.wrap { max-width: 1080px; margin: 0 auto; padding: 0 20px; }
header.top { background: var(--ink); color: #fff; }
header.top .wrap { display: flex; align-items: center; justify-content: space-between; gap: 16px; padding-top: 14px; padding-bottom: 14px; flex-wrap: wrap; }
header.top a { color: #fff; text-decoration: none; }
.brand { font-weight: 800; font-size: 22px; letter-spacing: -.3px; }
nav a { margin-left: 18px; font-size: 15px; opacity: .9; }
nav a:first-child { margin-left: 0; }
.hero { padding: 56px 0 28px; }
h1 { color: var(--ink); font-size: clamp(32px, 5vw, 50px); line-height: 1.08; letter-spacing: -1px; margin: 0 0 14px; }
h2 { color: var(--ink); font-size: 28px; margin: 44px 0 16px; letter-spacing: -.4px; }
h3 { color: var(--ink); margin: 0 0 6px; font-size: 18px; line-height: 1.3; }
.lead { font-size: 20px; color: var(--muted); max-width: 720px; margin: 0; }
.btn { display: inline-block; background: var(--teal); color: #fff; text-decoration: none; font-weight: 700; padding: 12px 20px; border-radius: 10px; }
.btn.alt { background: var(--ink); }
.row { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 22px; }
.grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(240px, 1fr)); gap: 18px; }
.card { background: var(--card); border-radius: 14px; overflow: hidden; box-shadow: 0 4px 16px rgba(31,58,95,.08); display: flex; flex-direction: column; text-decoration: none; color: inherit; }
.card img { width: 100%; aspect-ratio: 4 / 3; object-fit: cover; display: block; background: var(--soft); }
.card .body { padding: 14px 16px 16px; display: flex; flex-direction: column; gap: 6px; flex: 1; }
.card .meta { color: var(--muted); font-size: 14px; margin-top: auto; }
.tools { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 18px; }
.tool { background: var(--card); border-radius: 14px; padding: 22px; box-shadow: 0 4px 16px rgba(31,58,95,.08); }
.tool p { margin: 6px 0 16px; color: var(--muted); }
footer { margin-top: 64px; padding: 28px 0 40px; border-top: 1px solid var(--line); color: var(--muted); font-size: 14px; }

/* Calculators */
.calc { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 24px; align-items: start; margin-top: 26px; }
@media (max-width: 760px) { .calc { grid-template-columns: 1fr; } nav a { margin-left: 12px; } }
.panel { background: var(--card); border-radius: 14px; padding: 22px; box-shadow: 0 4px 16px rgba(31,58,95,.08); }
label { display: block; font-weight: 700; color: var(--ink); margin: 14px 0 6px; font-size: 15px; }
label:first-child { margin-top: 0; }
.hint { font-weight: 400; color: var(--muted); font-size: 13px; }
input, select { width: 100%; font: inherit; padding: 10px 12px; border: 1px solid #CBD2DA; border-radius: 8px; background: #fff; color: var(--text); }
input[type=checkbox] { width: auto; margin-right: 8px; }
.check { display: flex; align-items: center; font-weight: 400; color: var(--text); }
.big { font-size: 44px; font-weight: 800; color: var(--teal); letter-spacing: -1px; line-height: 1.1; }
table { width: 100%; border-collapse: collapse; margin-top: 14px; font-size: 15px; }
td { padding: 8px 0; border-bottom: 1px solid var(--line); }
td:last-child { text-align: right; font-variant-numeric: tabular-nums; }
tr.total td { font-weight: 800; color: var(--ink); border-bottom: none; }
.note { font-size: 13px; color: var(--muted); margin-top: 16px; }
.promo { background: var(--ink); color: #fff; border-radius: 14px; padding: 22px; margin-top: 28px; }
.promo h3 { color: #fff; }
.promo p { color: #D6DEE8; margin: 6px 0 16px; }
.prose { max-width: 760px; }

/* Guides */
.prose h2 { font-size: 24px; margin-top: 36px; }
.prose li { margin-bottom: 6px; }
.prose table { background: var(--card); border-radius: 10px; }
.prose td, .prose th { padding: 8px 12px; text-align: left; }
.prose th { color: var(--ink); border-bottom: 2px solid var(--line); font-size: 15px; }
.prose td:last-child { text-align: left; }
.updated { color: var(--muted); font-size: 14px; margin-top: 10px; }
.tool h3 a { color: var(--ink); text-decoration: none; }