:root{
  --sea:#0b5f7a;
  --sea-dark:#073b4c;
  --sky:#e9f7fb;
  --sun:#ffb703;
  --sand:#fff7e8;
  --stone:#f6f7f9;
  --border:#e4e8ee;
  --text:#17202a;
  --muted:#64748b;
  --green:#087f5b;
  --white:#fff;
  --shadow:0 18px 45px rgba(15,23,42,.09);
  --radius:22px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;
  color:var(--text);
  background:linear-gradient(180deg,#ffffff 0%,#fbfdff 100%);
  line-height:1.65;
}
a{color:var(--sea);font-weight:800;text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
.site-header{
  background:
    radial-gradient(circle at top right,rgba(255,183,3,.35),transparent 28%),
    linear-gradient(135deg,var(--sea),var(--sea-dark));
  color:#fff;
}
.nav{
  display:flex;align-items:center;justify-content:space-between;gap:18px;
  padding:22px 0;
}
.logo{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-weight:950;letter-spacing:-.02em}
.logo-mark{
  width:38px;height:38px;border-radius:14px;background:#fff;color:var(--sea-dark);
  display:grid;place-items:center;font-weight:950;box-shadow:0 8px 20px rgba(0,0,0,.15)
}
.nav-links{display:flex;gap:15px;flex-wrap:wrap;font-size:14px}
.nav-links a{color:#fff;opacity:.94;text-decoration:none}
.nav-links a:hover{opacity:1;text-decoration:underline}
.hero{padding:42px 0 72px;display:grid;grid-template-columns:1.1fr .9fr;gap:34px;align-items:center}
.eyebrow{
  display:inline-flex;gap:8px;align-items:center;
  background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.24);
  border-radius:999px;padding:7px 12px;font-weight:900;font-size:13px;text-transform:uppercase;letter-spacing:.08em
}
h1,h2,h3{line-height:1.12;letter-spacing:-.035em}
h1{font-size:56px;margin:18px 0 18px}
.hero p{font-size:19px;max-width:710px;opacity:.95;margin:0 0 24px}
.hero-card{
  background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.25);
  border-radius:30px;padding:26px;backdrop-filter:blur(8px);box-shadow:0 24px 60px rgba(0,0,0,.18)
}
.hero-card h2{font-size:25px;margin:0 0 12px;color:#fff}
.hero-card ul{margin:0;padding-left:20px}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap}
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  border-radius:14px;padding:14px 18px;font-weight:950;text-decoration:none;border:1px solid transparent
}
.btn-primary{background:#fff;color:var(--sea-dark)}
.btn-secondary{background:rgba(255,255,255,.12);color:#fff;border-color:rgba(255,255,255,.28)}
main{padding:42px 0 74px}
.section-head{display:flex;justify-content:space-between;align-items:end;gap:24px;margin:0 0 22px}
.section-head h2{font-size:36px;margin:0 0 8px}
.section-head p{margin:0;color:var(--muted);max-width:740px}
.tool-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}
.card{
  background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)
}
.tool-card{min-height:260px;display:flex;flex-direction:column;position:relative;overflow:hidden}
.tool-card:before{
  content:"";position:absolute;right:-45px;top:-45px;width:120px;height:120px;border-radius:50%;background:var(--sky)
}
.tag{display:inline-flex;width:max-content;background:var(--sky);color:var(--sea-dark);border-radius:999px;padding:7px 11px;font-size:13px;font-weight:950;margin-bottom:14px}
.tool-card h3{font-size:23px;margin:0 0 10px;position:relative}
.tool-card p{color:var(--muted);margin:0 0 18px;flex:1;position:relative}
.tool-card a{position:relative}
.grid{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(290px,.75fr);gap:24px;align-items:start}
.calculator{background:linear-gradient(180deg,var(--sand),#fff);border-color:#f0dfc5}
label{display:block;font-weight:900;margin:14px 0 7px}
input,select{
  width:100%;padding:14px 13px;border:1px solid #cfd8e3;border-radius:14px;background:#fff;font-size:16px;color:var(--text)
}
.row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
button{
  width:100%;margin-top:20px;border:0;border-radius:16px;padding:15px 18px;
  background:linear-gradient(135deg,var(--sea),var(--sea-dark));color:white;font-weight:950;font-size:17px;cursor:pointer
}
button:hover{filter:brightness(.96)}
.result{display:none;margin-top:20px;background:#fff;border:1px solid #cdebdc;border-radius:18px;padding:18px}
.result strong{display:block;color:var(--green);font-size:34px;margin-top:4px}
.breakdown{list-style:none;padding:0;margin:14px 0 0}
.breakdown li{display:flex;justify-content:space-between;gap:15px;border-top:1px solid #edf2f7;padding:8px 0}
.note{font-size:14px;color:var(--muted)}
.toc{position:sticky;top:20px}
.toc a,.link-list a{display:block;padding:9px 0;border-bottom:1px solid #eef2f6}
.pillbox{display:flex;flex-wrap:wrap;gap:10px;margin:12px 0 22px}
.pill{background:var(--sky);color:var(--sea-dark);border:1px solid #cae9f2;border-radius:999px;padding:8px 12px;font-weight:900;font-size:14px}
.content h2{font-size:31px;margin:32px 0 12px}
.content h3{font-size:23px;margin:26px 0 9px}
.content p{color:#334155}
table{width:100%;border-collapse:separate;border-spacing:0;margin:18px 0;border:1px solid var(--border);border-radius:16px;overflow:hidden}
th,td{padding:12px;border-bottom:1px solid var(--border);text-align:left;vertical-align:top}
th{background:#f8fafc}
tr:last-child td{border-bottom:0}
.cta{
  background:linear-gradient(135deg,var(--sea-dark),var(--sea));color:#fff;border-radius:24px;padding:26px;margin:28px 0
}
.cta a{color:#fff;text-decoration:underline}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin-top:28px}
.warning{background:#fff1f0;border:1px solid #ffccc7;border-radius:16px;padding:14px;color:#7a271a;font-weight:900;margin-top:14px}
.site-footer{border-top:1px solid var(--border);background:#fff;padding:30px 0;color:var(--muted);font-size:14px}
.footer-grid{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}
@media(max-width:900px){
  .hero,.grid,.two-col{grid-template-columns:1fr}
  .tool-grid{grid-template-columns:1fr}
  h1{font-size:38px}
  .section-head{display:block}
  .toc{position:static}
  .nav{align-items:flex-start}
}
@media(max-width:560px){
  .row{grid-template-columns:1fr}
  .nav-links{gap:10px}
}