:root{--ink:#14232b;--muted:#5b6b73;--paper:#faf7f2;--card:#fff;--line:#e6e0d6;--brand:#0f4c5c;--brand-2:#13697e;--accent:#e9a23b;--ok:#2f7d4f;--warn:#a8541b;--radius:14px;--shadow:0 1px 2px rgba(20,35,43,.06),0 8px 24px rgba(20,35,43,.06);font-family:ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--ink);line-height:1.6;font-size:17px}
a{color:var(--brand-2)}a:hover{color:var(--brand)}
img,svg{max-width:100%}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:10}
header.site{background:var(--paper);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:5;backdrop-filter:blur(6px)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;height:64px;gap:16px}
.logo{display:flex;align-items:center;gap:10px;font-weight:800;text-decoration:none;color:var(--ink);letter-spacing:-.02em;font-size:19px}
.logo svg{width:30px;height:30px}
nav.main ul{display:flex;gap:22px;list-style:none;margin:0;padding:0}
nav.main a{text-decoration:none;color:var(--ink);font-weight:600;font-size:15px}
nav.main a[aria-current=page]{color:var(--brand-2);box-shadow:inset 0 -2px 0 var(--accent)}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:10px;padding:8px 12px;font:inherit}
@media(max-width:820px){.menu-btn{display:block}nav.main{display:none;position:absolute;top:64px;left:0;right:0;background:var(--paper);border-bottom:1px solid var(--line)}nav.main.open{display:block}nav.main ul{flex-direction:column;padding:12px 20px;gap:14px}}
main{padding:32px 0 64px}
h1{font-size:clamp(30px,5vw,48px);line-height:1.1;letter-spacing:-.03em;margin:.2em 0 .4em}
h2{font-size:clamp(22px,3vw,30px);letter-spacing:-.02em;margin:1.6em 0 .5em;line-height:1.2}
h3{font-size:19px;margin:1.2em 0 .3em}
.lead{font-size:20px;color:var(--muted);max-width:60ch}
.hero{padding:28px 0 12px}
.eyebrow{display:inline-block;font-size:13px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--brand-2);background:#e4f0f2;padding:4px 10px;border-radius:999px}
.grid{display:grid;gap:18px;grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow)}
a.card{text-decoration:none;color:inherit;display:block;transition:transform .15s}
a.card:hover{transform:translateY(-2px);border-color:var(--brand-2)}
.card h3{margin-top:0}
.card .ico{font-size:26px}
.btn{display:inline-block;background:var(--brand);color:#fff;border:0;border-radius:10px;padding:12px 20px;font:inherit;font-weight:700;text-decoration:none;cursor:pointer}
.btn:hover{background:var(--brand-2);color:#fff}
.btn.ghost{background:transparent;color:var(--brand);border:1.5px solid var(--brand)}
.btn.small{padding:7px 12px;font-size:14px}
form .row{display:grid;gap:14px;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));margin-bottom:14px}
label{display:block;font-weight:600;font-size:14px;margin-bottom:4px}
input,select,textarea{width:100%;padding:11px 12px;border:1.5px solid var(--line);border-radius:10px;font:inherit;background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus{outline:2px solid var(--accent);border-color:var(--accent)}
.check{display:flex;gap:8px;align-items:center;font-weight:500}.check input{width:auto}
.tool{display:grid;gap:22px;grid-template-columns:1.1fr 1fr}
@media(max-width:820px){.tool{grid-template-columns:1fr}}
.result{background:var(--brand);color:#fff;border-radius:var(--radius);padding:24px}
.result .big{font-size:40px;font-weight:800;letter-spacing:-.02em;line-height:1}
.result table{width:100%;border-collapse:collapse;margin-top:14px;font-size:15px}
.result td{padding:7px 0;border-bottom:1px solid rgba(255,255,255,.15)}.result td:last-child{text-align:right;font-variant-numeric:tabular-nums;font-weight:700}
.bar{height:14px;border-radius:7px;overflow:hidden;display:flex;background:rgba(255,255,255,.2);margin:14px 0 6px}
.bar span{display:block;height:100%}
.legend{font-size:13px;display:flex;gap:12px;flex-wrap:wrap}.legend i{display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:4px}
.note{font-size:14px;color:var(--muted);border-left:3px solid var(--accent);padding:6px 12px;background:#fff8ec;border-radius:0 8px 8px 0}
.warn{border-left-color:var(--warn);background:#fbefe7}
table.data{width:100%;border-collapse:collapse;background:#fff;border-radius:12px;overflow:hidden;font-size:15px}
table.data th,table.data td{padding:10px 12px;border-bottom:1px solid var(--line);text-align:left}
table.data th{background:#eef4f5;font-size:13px;text-transform:uppercase;letter-spacing:.04em}
table.data td.num{text-align:right;font-variant-numeric:tabular-nums}
.table-scroll{overflow-x:auto}
.sponsor{border:1px dashed var(--line);border-radius:12px;padding:14px 16px;font-size:14px;background:#fff;margin:24px 0}
.sponsor small{display:block;color:var(--muted);font-size:11px;text-transform:uppercase;letter-spacing:.08em}
.prose{max-width:72ch}.prose li{margin:.3em 0}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 18px;margin:10px 0}
.faq summary{font-weight:700;cursor:pointer}
footer.site{border-top:1px solid var(--line);padding:36px 0;font-size:14px;color:var(--muted)}
footer.site .cols{display:grid;gap:20px;grid-template-columns:repeat(auto-fit,minmax(180px,1fr))}
footer.site a{color:var(--muted)}footer.site ul{list-style:none;padding:0;margin:0}footer.site li{margin:4px 0}
.pill{display:inline-block;font-size:12px;padding:2px 8px;border-radius:999px;background:#eef4f5;margin:2px}
.steps{counter-reset:s;list-style:none;padding:0}.steps li{counter-increment:s;position:relative;padding-left:44px;margin:14px 0}
.steps li::before{content:counter(s);position:absolute;left:0;top:0;width:30px;height:30px;border-radius:50%;background:var(--accent);color:var(--ink);font-weight:800;display:grid;place-items:center}
.cookie-free{font-size:13px}
.hidden{display:none!important}
.kpi{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:12px}.kpi div{background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px}.kpi b{display:block;font-size:24px}
@media print{header.site,footer.site,.sponsor,.noprint{display:none}body{background:#fff}}
.hero .btn{margin:0 6px 10px 0}