:root{--navy:#1f3a5f;--navy2:#2c5282;--amber:#f2a83b;--amber2:#c98516;--ink:#1d2430;--muted:#5b6575;--line:#dfe3e8;--bg:#f6f7f9;--r:12px}
*{box-sizing:border-box}body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65}
a{color:var(--navy2)}a:hover{color:var(--amber2)}.wrap{max-width:1000px;margin:0 auto;padding:0 18px}
.site-header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:10}.hdr{display:flex;align-items:center;justify-content:space-between;gap:10px;flex-wrap:wrap;padding:10px 18px}
.logo{color:#fff;font-weight:800;text-decoration:none;font-size:1.15rem}.logo-mark{color:var(--amber)}nav{display:flex;flex-wrap:wrap;gap:4px 14px}nav a{color:#e6ecf3;text-decoration:none;font-size:.92rem}
h1{font-size:clamp(1.6rem,4vw,2.3rem);line-height:1.2;margin:.6em 0 .4em}h2{font-size:1.3rem;margin:1.6em 0 .5em}.lede{font-size:1.1rem}
.hero{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;border-radius:var(--r);padding:30px 24px;margin:22px 0}.hero h1{margin-top:0}
.btn{display:inline-block;background:var(--navy);color:#fff;border:0;border-radius:8px;padding:11px 20px;font-weight:700;text-decoration:none;cursor:pointer;font-size:1rem}.btn-gold{background:var(--amber);color:#1d2430}
.calc{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:20px;display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:12px 18px;margin:18px 0}
.calc label{display:flex;flex-direction:column;font-weight:600;font-size:.93rem;gap:4px}.calc input,.calc select{font-size:1rem;padding:9px;border:1px solid #c5ccd6;border-radius:8px}
.calc .btn,.result{grid-column:1/-1}.result{background:#eef3f9;border-radius:10px;padding:14px 16px}.result ul{padding-left:0;list-style:none}
.big{font-size:1.5rem;font-weight:800;margin:.2em 0}.good{color:#1e7a3c}.bad{color:#b42318}.warn{color:#a15c00}
.disclaimer{background:#fff8e6;border-left:4px solid var(--amber);padding:12px 16px;border-radius:8px;font-size:.95rem}
.cta{background:#fff;border:2px solid var(--amber);border-radius:var(--r);padding:18px 22px;margin:26px 0}.cta h2{margin-top:0}
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:12px}.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:14px;text-decoration:none;color:var(--ink);display:flex;flex-direction:column;gap:4px}.card span{color:var(--muted);font-size:.9rem}.card:hover{border-color:var(--navy2)}
table{border-collapse:collapse;width:100%;background:#fff;font-size:.93rem}th,td{border:1px solid var(--line);padding:8px;text-align:left}th{background:#eef3f9}
.gloss dt{font-weight:800;margin-top:14px}.gloss dd{margin:2px 0 0}.small{font-size:.85rem;color:var(--muted)}
.site-footer{background:#e9edf2;margin-top:40px;padding:18px 0;font-size:.92rem}