:root{--navy:#1d3557;--teal:#2a9d8f;--gold:#e9c46a;--red:#c0392b;--green:#1e7f5c;--ink:#1d2b3a;--mut:#5a6a7a;--line:#dde4ea;--bg:#f6f8fa}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font:16px/1.55 system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:#fff}
a{color:#1b6f8a}img{max-width:100%;height:auto}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
header.site{background:var(--navy);color:#fff}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:12px;padding-bottom:12px;flex-wrap:wrap}
header.site a{color:#fff;text-decoration:none}.brand{font-weight:800;font-size:18px;display:flex;align-items:center;gap:8px}
nav.top{display:flex;gap:14px;flex-wrap:wrap;font-size:14px}nav.top a{opacity:.9}nav.top a:hover{opacity:1;text-decoration:underline}
.crumbs{font-size:13px;color:var(--mut);margin:16px 0 0}.crumbs a{color:var(--mut)}
h1{font-size:clamp(26px,4vw,36px);line-height:1.2;color:var(--navy);margin:10px 0 6px}
h2{color:var(--navy);font-size:22px;margin:32px 0 10px}
.lede{color:var(--mut);font-size:18px;margin:0 0 20px;max-width:760px}
.calc{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);gap:24px;align-items:start}
@media (max-width:820px){.calc{grid-template-columns:1fr}.results{position:static}}
form.card,.results{background:var(--bg);border:1px solid var(--line);border-radius:14px;padding:20px}
fieldset{border:0;padding:0;margin:0 0 14px}legend{font-weight:700;color:var(--navy);margin-bottom:8px;font-size:15px}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:12px}@media (max-width:480px){.grid2{grid-template-columns:1fr}}
label{display:block;font-size:14px;font-weight:600;margin-bottom:4px}
.field{position:relative}.field input,.field select{width:100%;font:inherit;padding:10px 12px;border:1px solid #c5d0da;border-radius:9px;background:#fff}
.field input:focus,.field select:focus{outline:2px solid var(--teal);border-color:var(--teal)}
.field.pre input{padding-left:26px}.field.pre::before{content:"$";position:absolute;left:11px;bottom:11px;color:var(--mut)}
.field.suf input{padding-right:34px}.field .s{position:absolute;right:11px;bottom:11px;color:var(--mut);font-size:14px}
.hint{font-size:12.5px;color:var(--mut);margin-top:3px}
.results{position:sticky;top:12px;background:#fff;box-shadow:0 6px 24px rgba(29,53,87,.08)}
.results h2{margin:0 0 10px;font-size:18px}
.kv{display:flex;justify-content:space-between;gap:10px;padding:8px 0;border-bottom:1px solid var(--line);font-size:15px}
.kv b{font-variant-numeric:tabular-nums}.kv.big{font-size:20px;border-bottom:0;padding-top:12px}.kv.big b{font-size:26px}
[data-tone=pos]{color:var(--green)}[data-tone=neg]{color:var(--red)}
button,.btn{display:inline-block;font:inherit;font-weight:700;border:0;border-radius:10px;padding:11px 18px;cursor:pointer;text-decoration:none}
.btn.buy{background:var(--gold);color:var(--navy)}.btn.buy:hover{filter:brightness(.95)}
button.ghost{background:transparent;border:1px solid #c5d0da;color:var(--navy);font-weight:600;font-size:14px;padding:8px 12px}
.cta{margin:28px 0;background:linear-gradient(135deg,var(--navy),#22577a);color:#fff;border-radius:16px;padding:24px;display:grid;grid-template-columns:1fr auto;gap:18px;align-items:center}
.cta h2{color:#fff;margin:0 0 6px;font-size:21px}.cta p{margin:0;opacity:.92}.cta small{display:block;opacity:.75;margin-top:6px;font-size:12.5px}
@media (max-width:640px){.cta{grid-template-columns:1fr}}
.prose{max-width:780px}.prose li{margin:4px 0}
.formula{background:var(--bg);border-left:4px solid var(--teal);padding:10px 14px;border-radius:6px;font-family:ui-monospace,Menlo,Consolas,monospace;font-size:14.5px;overflow-x:auto}
table.t{border-collapse:collapse;width:100%;font-size:14px;font-variant-numeric:tabular-nums}
table.t th{background:var(--navy);color:#fff;text-align:right;padding:7px 9px;position:sticky;top:0}table.t th:first-child{text-align:left}
table.t td{border-bottom:1px solid var(--line);padding:6px 9px;text-align:right}table.t td:first-child{text-align:left}
.scroll{max-height:420px;overflow:auto;border:1px solid var(--line);border-radius:10px}
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:16px;margin:16px 0}
.cards a{display:block;border:1px solid var(--line);border-radius:14px;padding:18px;text-decoration:none;color:var(--ink);background:#fff;transition:box-shadow .15s}
.cards a:hover{box-shadow:0 6px 20px rgba(29,53,87,.12)}.cards b{display:block;color:var(--navy);font-size:17px;margin-bottom:4px}.cards span{color:var(--mut);font-size:14px}
details{border:1px solid var(--line);border-radius:10px;padding:10px 14px;margin:8px 0;background:#fff}summary{font-weight:700;cursor:pointer;color:var(--navy)}
.feat{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:12px;padding:0;list-style:none}
.feat li{background:var(--bg);border-radius:10px;padding:12px 14px}
.shot{border-radius:12px;box-shadow:0 10px 30px rgba(0,0,0,.15);margin:12px 0}
.note{font-size:13px;color:var(--mut)}
footer.site{margin-top:48px;background:var(--bg);border-top:1px solid var(--line);padding:24px 0;font-size:13.5px;color:var(--mut)}
footer.site a{color:var(--mut)}
.fcalc{line-height:1.9}.fcalc a{white-space:nowrap}