:root{
  --navy:#172033;--navy2:#1E2A44;--ivory:#F5F0E7;--paper:#FBFAF7;
  --graphite:#22252B;--muted:#6F737A;--line:#DAD6CF;--gold:#B89A68;
  --gold-dark:#8E7045;--green:#4E6A59;--danger:#8B4B47;--max:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
  color:var(--graphite);
  background:radial-gradient(circle at 12% 8%,rgba(184,154,104,.045),transparent 18%),
  radial-gradient(rgba(23,32,51,.018) .7px,transparent .8px),var(--paper);
  background-size:auto,16px 16px,auto;-webkit-font-smoothing:antialiased
}
a{color:inherit}.wrap{width:min(calc(100% - 44px),var(--max));margin:0 auto}
header{position:sticky;top:0;z-index:50;background:rgba(251,250,247,.92);backdrop-filter:blur(14px);border-bottom:1px solid rgba(218,214,207,.8)}
.nav{min-height:78px;display:flex;align-items:center;justify-content:space-between;gap:28px}.brand img{height:32px;width:auto;display:block}
nav{display:flex;align-items:center;gap:27px}nav a{text-decoration:none;font-size:.84rem;color:#4B5058}.nav-cta{border:1px solid var(--navy);padding:10px 16px;color:var(--navy);font-weight:700}
.hero{padding:72px 0 60px;border-bottom:1px solid var(--line);position:relative;overflow:hidden}.hero:after{content:"";position:absolute;right:-150px;top:-170px;width:430px;height:430px;border:1px solid rgba(184,154,104,.17);border-radius:50%}
.breadcrumb{font-size:.76rem;color:#8A8E95;margin-bottom:20px}.breadcrumb a{text-decoration:none;color:#6F737A}
.hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:56px;align-items:center}
.kicker{display:flex;align-items:center;gap:12px;font-size:.7rem;letter-spacing:.15em;text-transform:uppercase;color:var(--gold-dark);font-weight:760;margin-bottom:21px}.kicker:before{content:"";width:38px;height:2px;background:var(--gold);transform:rotate(-3deg)}
h1,h2,h3{font-family:Georgia,"Times New Roman",serif;color:var(--navy);font-weight:500}
h1{font-size:clamp(3rem,5.6vw,5.1rem);line-height:.97;letter-spacing:-.05em;margin:0;max-width:820px}
.hero-copy{font-size:1.02rem;line-height:1.82;color:#61656C;max-width:740px;margin:25px 0 0}
.btn{min-height:49px;padding:0 20px;display:inline-flex;align-items:center;justify-content:center;text-decoration:none;font-size:.86rem;font-weight:720}
.btn-primary{background:var(--navy);color:#fff;border:1px solid var(--navy)}.btn-secondary{border:1px solid var(--line);background:#fff;color:var(--navy)}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.hero-note{background:#fff;border:1px solid var(--line);padding:27px;box-shadow:0 18px 44px rgba(23,32,51,.07);border-radius:4px 18px 4px 16px}
.hero-note .mini{font-size:.68rem;text-transform:uppercase;letter-spacing:.13em;color:var(--gold-dark);font-weight:760}.hero-note h2{font-size:1.75rem;line-height:1.08;margin:14px 0 12px}.hero-note p{margin:0;color:#6D7178;line-height:1.7;font-size:.9rem}
.section{padding:74px 0;border-bottom:1px solid var(--line)}.section.soft{background:linear-gradient(120deg,var(--ivory),#F8F2EA)}
.section-head{display:grid;grid-template-columns:.32fr .68fr;gap:50px;align-items:start;margin-bottom:40px}.label{display:inline-flex;align-items:center;gap:9px;font-size:.69rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-dark);font-weight:760}.label:before{content:"";width:23px;height:2px;background:var(--gold)}
.section h2{font-size:clamp(2.1rem,4vw,3.55rem);line-height:1.04;letter-spacing:-.035em;margin:0}.intro{margin:13px 0 0;color:#6B7077;line-height:1.78;max-width:760px}
.tool-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.tool-card{display:block;text-decoration:none;background:#fff;border:1px solid var(--line);padding:25px;border-radius:4px 15px 4px 12px;box-shadow:0 10px 28px rgba(23,32,51,.035);transition:.2s ease}.tool-card:hover{transform:translateY(-3px);border-color:#CBB993}.tool-card small{font-size:.65rem;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-dark);font-weight:760}.tool-card h3{font-size:1.45rem;margin:15px 0 9px}.tool-card p{font-size:.87rem;color:#6E737A;line-height:1.65;margin:0}.tool-card .arrow{display:block;margin-top:18px;color:var(--gold-dark);font-size:1.1rem}
.calc-shell{display:grid;grid-template-columns:.92fr 1.08fr;gap:24px;align-items:start}.panel{background:#fff;border:1px solid var(--line);padding:28px;border-radius:4px 16px 4px 14px;box-shadow:0 12px 32px rgba(23,32,51,.04)}
.field{margin-bottom:18px}.field:last-child{margin-bottom:0}.field label{display:block;font-size:.78rem;font-weight:730;color:#4F555D;margin-bottom:7px}.field .hint{display:block;font-size:.72rem;color:#8A8E95;margin-top:6px;line-height:1.45}
.input-wrap{position:relative}.input-wrap input,.input-wrap select,.field input,.field select{width:100%;min-height:48px;border:1px solid #D7D3CC;background:#FCFBF8;padding:0 13px;font:inherit;color:#242831;outline:none;border-radius:3px}.input-wrap input:focus,.field input:focus,.field select:focus{border-color:#A99068;box-shadow:0 0 0 3px rgba(184,154,104,.10)}
.input-wrap span{position:absolute;right:13px;top:50%;transform:translateY(-50%);font-size:.8rem;color:#7C8188;pointer-events:none}
.actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:22px}.calc-btn{border:0;cursor:pointer}
.results{background:var(--navy);color:#fff;border-radius:4px 18px 4px 16px;padding:29px}.results h2{color:#fff;font-size:1.75rem;margin:0 0 18px}.result-main{padding:18px 0 22px;border-bottom:1px solid #354052}.result-main small,.metric small{display:block;color:#AEB7C2;font-size:.72rem;text-transform:uppercase;letter-spacing:.09em}.result-main strong{display:block;font-family:Georgia,"Times New Roman",serif;font-size:clamp(2.5rem,5vw,4.2rem);font-weight:500;margin-top:6px}.metrics{display:grid;grid-template-columns:repeat(2,1fr);gap:1px;background:#354052;margin-top:1px}.metric{background:var(--navy);padding:18px 14px}.metric strong{display:block;font-size:1.15rem;margin-top:6px}.result-note{color:#B9C1CB;font-size:.78rem;line-height:1.58;margin:18px 0 0}
.inline-note{margin-top:22px;padding:14px 16px;border-left:3px solid var(--gold);background:#F8F3E9;color:#686C73;font-size:.81rem;line-height:1.6}
.compare-table{width:100%;border-collapse:collapse;margin-top:18px}.compare-table th,.compare-table td{border-bottom:1px solid #E4E0D9;padding:12px 10px;text-align:right;font-size:.82rem}.compare-table th:first-child,.compare-table td:first-child{text-align:left}.compare-table th{color:#5A6068;font-weight:740}
.cta{padding:74px 0;background:var(--navy);color:#fff}.cta-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:56px;align-items:end}.cta h2{font-size:clamp(2.3rem,4.2vw,3.9rem);color:#fff;line-height:1;margin:0}.cta p{color:#BCC4CF;line-height:1.75;margin:0 0 24px}.cta .btn-primary{background:#fff;color:var(--navy);border-color:#fff}
footer{background:#101722;color:#9EA8B5;padding:46px 0 28px}.footer-top{display:grid;grid-template-columns:1.3fr repeat(3,.7fr);gap:40px;padding-bottom:32px;border-bottom:1px solid #2A3342}.footer-brand img{height:28px;filter:brightness(0) invert(1)}.footer-brand p{font-size:.83rem;line-height:1.7;max-width:330px;margin:18px 0 0}.footer-col strong{display:block;color:#fff;font-size:.81rem;margin-bottom:14px}.footer-col a{display:block;text-decoration:none;color:#9EA8B5;font-size:.81rem;margin:10px 0}.footer-bottom{padding-top:22px;font-size:.74rem;color:#737E8B;display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}
@media(max-width:900px){nav a:not(.nav-cta){display:none}.hero-grid,.section-head,.calc-shell,.cta-grid{grid-template-columns:1fr;gap:32px}.tool-grid{grid-template-columns:1fr 1fr}}
@media(max-width:620px){.wrap{width:min(calc(100% - 28px),var(--max))}.brand img{height:27px}.nav{min-height:70px}.nav-cta{padding:9px 11px;font-size:.76rem}h1{font-size:3rem}.section{padding:58px 0}.tool-grid{grid-template-columns:1fr}.metrics{grid-template-columns:1fr}.panel{padding:22px}.results{padding:24px}}