:root{--bg:#f6f8fb;--ink:#0f172a;--mut:#5b6678;--line:#e5e9f0;--acc:#2563eb}
*{box-sizing:border-box}
body{margin:0;font:16px/1.7 system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--ink);background:var(--bg)}
a{color:var(--acc)}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
header{background:#0b1220;position:sticky;top:0;z-index:5}
header .wrap{display:flex;justify-content:space-between;align-items:center;height:62px}
.logo{color:#fff;font-weight:800;text-decoration:none;font-size:18px}.logo b{color:#38bdf8}
nav a{color:#cbd5e1;text-decoration:none;margin-left:22px;font-size:15px}nav a:hover{color:#fff}
.hero{background:linear-gradient(135deg,#0b1220,#1e3a8a 60%,#0e7490);color:#fff;padding:76px 0 84px}
.hero h1{font-size:clamp(30px,5vw,52px);line-height:1.1;margin:0 0 16px;letter-spacing:-.02em}
.hero p{max-width:620px;color:#cbd5e1;font-size:18px;margin:0 0 26px}
.btn{display:inline-block;background:#38bdf8;color:#04121f;font-weight:700;padding:13px 24px;border-radius:10px;text-decoration:none}
main{padding:36px 0 56px}
h1{letter-spacing:-.02em}h2{font-size:27px;letter-spacing:-.01em;margin:40px 0 12px}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:24px;box-shadow:0 1px 3px rgba(15,23,42,.04)}
a.card{text-decoration:none;color:inherit;transition:.2s}
a.card:hover{transform:translateY(-3px);box-shadow:0 12px 28px rgba(15,23,42,.1)}
.card h3{margin:0 0 6px}.card p{margin:0;color:var(--mut)}
.calc{display:grid;grid-template-columns:1.1fr 1fr;gap:24px;align-items:start}
@media(max-width:800px){.calc{grid-template-columns:1fr}}
.two{display:grid;grid-template-columns:1fr 1fr;gap:0 12px}
label{display:block;font-size:14px;font-weight:600;margin:12px 0 4px}
input{width:100%;padding:10px 12px;border:1px solid #cbd5e1;border-radius:8px;font-size:16px}
input:focus{outline:2px solid #38bdf8;border-color:#38bdf8}
.res{background:#0b1220;color:#fff;border-radius:16px;padding:24px}
.res small{color:#94a3b8}.big{font-size:46px;font-weight:800;color:#38bdf8;line-height:1.1}
.stats{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:18px 0}
.stats div{background:#16213a;border-radius:10px;padding:10px 12px}
.stats b{display:block;font-size:20px}.stats span{font-size:12px;color:#94a3b8}
#break div:not(.bar){display:flex;justify-content:space-between;font-size:14px}
.bar{height:8px;background:#1e293b;border-radius:4px;margin:4px 0 12px}
.bar i{display:block;height:100%;background:#38bdf8;border-radius:4px}
.prose{max-width:760px}
.prose table{border-collapse:collapse;width:100%;font-size:15px}
.prose td,.prose th{border-bottom:1px solid var(--line);padding:10px 8px;text-align:left}
.note{font-size:13px;color:var(--mut)}
footer{background:#0b1220;color:#94a3b8;padding:34px 0;font-size:14px}
footer a{color:#cbd5e1;margin-right:18px}
.res p{color:#cbd5e1;font-size:14px;margin:8px 0 0}