:root{
  --ink:#0d1b2a;--ink2:#1b263b;--steel:#415a77;--mist:#778da9;
  --accent:#e63946;--accent2:#f77f00;--gold:#ffba08;
  --bg:#f7f9fc;--card:#ffffff;--line:#e2e8f0;--ok:#2a9d8f;
  --rad:16px;--shadow:0 8px 30px rgba(13,27,42,.08);--shadow2:0 2px 10px rgba(13,27,42,.06);
  --max:1180px;--font:'Inter',system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--font);color:var(--ink2);background:var(--bg);line-height:1.7;font-size:17px;-webkit-font-smoothing:antialiased}
img,svg{max-width:100%;height:auto}
a{color:var(--accent);text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:var(--max);margin:0 auto;padding:0 22px}

/* Header */
.site-head{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);backdrop-filter:saturate(180%) blur(12px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;gap:18px;height:66px}
.brand{display:flex;align-items:center;gap:10px;font-weight:800;font-size:22px;color:var(--ink);letter-spacing:-.5px}
.brand:hover{text-decoration:none}
.brand .logo{width:34px;height:34px}
.nav-links{margin-left:auto;display:flex;gap:6px;align-items:center;flex-wrap:wrap}
.nav-links a{color:var(--ink2);font-weight:600;font-size:15px;padding:8px 12px;border-radius:10px}
.nav-links a:hover{background:var(--bg);text-decoration:none;color:var(--accent)}
.nav-cta{background:var(--ink);color:#fff!important}
.nav-cta:hover{background:var(--accent)!important}
.burger{display:none;margin-left:auto;background:none;border:0;cursor:pointer;padding:8px}
.burger span{display:block;width:26px;height:3px;background:var(--ink);margin:5px 0;border-radius:3px;transition:.3s}

/* Hero */
.hero{background:linear-gradient(135deg,#0d1b2a 0%,#1b263b 55%,#415a77 100%);color:#fff;padding:74px 0 86px;position:relative;overflow:hidden}
.hero:after{content:"";position:absolute;inset:0;background:radial-gradient(circle at 80% 20%,rgba(230,57,70,.25),transparent 45%);pointer-events:none}
.hero h1{font-size:clamp(2rem,5vw,3.4rem);line-height:1.1;margin:0 0 16px;letter-spacing:-1px;font-weight:800}
.hero p{font-size:clamp(1.05rem,2vw,1.3rem);color:#cdd8e6;max-width:620px;margin:0 0 28px}
.hero .accent{color:var(--gold)}
.btn{display:inline-block;background:var(--accent);color:#fff;font-weight:700;padding:13px 26px;border-radius:12px;border:0;cursor:pointer;font-size:16px;transition:.2s}
.btn:hover{background:#c92a37;text-decoration:none;transform:translateY(-2px)}
.btn.ghost{background:rgba(255,255,255,.12);margin-left:10px}
.btn.dark{background:var(--ink)}

/* Sections */
section{padding:54px 0}
h2{font-size:clamp(1.5rem,3vw,2.1rem);color:var(--ink);letter-spacing:-.5px;margin:0 0 8px;font-weight:800}
.lead{color:var(--mist);font-size:1.1rem;max-width:680px;margin:0 0 30px}
.eyebrow{color:var(--accent);font-weight:700;text-transform:uppercase;letter-spacing:1.5px;font-size:.8rem;margin-bottom:10px}

/* Cards grid */
.grid{display:grid;gap:20px;grid-template-columns:repeat(auto-fill,minmax(280px,1fr))}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--rad);padding:24px;box-shadow:var(--shadow2);transition:.25s;display:block}
.card:hover{box-shadow:var(--shadow);transform:translateY(-4px);text-decoration:none;border-color:#cbd5e1}
.card .ico{width:46px;height:46px;border-radius:12px;background:linear-gradient(135deg,var(--accent),var(--accent2));display:flex;align-items:center;justify-content:center;margin-bottom:14px;color:#fff}
.card h3{margin:0 0 6px;color:var(--ink);font-size:1.18rem}
.card p{margin:0;color:var(--mist);font-size:.96rem}
.tag{display:inline-block;background:#fff0f1;color:var(--accent);font-size:.72rem;font-weight:700;padding:3px 9px;border-radius:20px;text-transform:uppercase;letter-spacing:.5px;margin-bottom:12px}
.tag.tool{background:#e9f7f4;color:var(--ok)}

/* Article */
.article{max-width:780px;margin:0 auto;padding:38px 0}
.article .meta{color:var(--mist);font-size:.9rem;margin-bottom:24px}
.article h1{font-size:clamp(1.8rem,4vw,2.6rem);color:var(--ink);line-height:1.15;letter-spacing:-.8px;margin:0 0 14px}
.article h2{margin-top:40px;border-bottom:2px solid var(--line);padding-bottom:8px}
.article h3{color:var(--ink2);font-size:1.25rem;margin-top:28px}
.article p,.article li{font-size:1.05rem}
.article ul,.article ol{padding-left:22px}
.article li{margin-bottom:8px}
.article figure{margin:28px 0;text-align:center}
.article figcaption{color:var(--mist);font-size:.88rem;margin-top:8px}
.callout{background:#fff;border-left:4px solid var(--accent);border-radius:10px;padding:18px 22px;margin:26px 0;box-shadow:var(--shadow2)}
.callout.tip{border-color:var(--ok)}
.callout.warn{border-color:var(--gold)}
.callout strong{color:var(--ink)}
blockquote{margin:26px 0;padding:16px 22px;background:#f0f4f9;border-radius:10px;color:var(--ink2);font-style:italic}
table{width:100%;border-collapse:collapse;margin:24px 0;font-size:.97rem}
th,td{text-align:left;padding:11px 14px;border-bottom:1px solid var(--line)}
th{background:var(--ink);color:#fff;font-weight:600}
tr:nth-child(even) td{background:#f7f9fc}

/* Breadcrumbs */
.crumbs{font-size:.86rem;color:var(--mist);padding:18px 0}
.crumbs a{color:var(--steel)}

/* Tool / calculator */
.tool-box{background:var(--card);border:1px solid var(--line);border-radius:var(--rad);padding:28px;box-shadow:var(--shadow);margin:30px 0}
.field{margin-bottom:16px}
.field label{display:block;font-weight:600;color:var(--ink);margin-bottom:6px;font-size:.95rem}
.field input,.field select{width:100%;padding:12px 14px;border:1px solid var(--line);border-radius:10px;font-size:16px;font-family:inherit;background:#fbfcfe}
.field input:focus,.field select:focus{outline:0;border-color:var(--accent);box-shadow:0 0 0 3px rgba(230,57,70,.12)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.result{background:linear-gradient(135deg,#0d1b2a,#1b263b);color:#fff;border-radius:12px;padding:24px;margin-top:20px;display:none}
.result.show{display:block;animation:pop .3s}
@keyframes pop{from{opacity:0;transform:scale(.97)}to{opacity:1}}
.result .big{font-size:2.3rem;font-weight:800;color:var(--gold);margin:4px 0}
.result .sub{color:#cdd8e6;font-size:.95rem}
.rgrid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:14px}
.rgrid div{background:rgba(255,255,255,.07);border-radius:8px;padding:12px}
.rgrid span{display:block;color:#9fb3c8;font-size:.8rem}
.rgrid b{font-size:1.2rem}

/* Ad slots / affiliate */
.ad-slot{margin:30px auto;text-align:center;min-height:90px;display:flex;align-items:center;justify-content:center;color:#b8c2cf;font-size:.8rem}
.aff-box{background:#fffbf0;border:1px solid #ffe8b0;border-radius:12px;padding:20px;margin:26px 0}
.aff-box h4{margin:0 0 6px;color:var(--ink)}
.aff-box .disc{font-size:.78rem;color:var(--mist);margin-top:10px}
.aff-link{display:inline-block;background:var(--accent2);color:#fff;font-weight:700;padding:9px 18px;border-radius:8px;margin-top:6px}
.aff-link:hover{background:#d96d00;text-decoration:none}

/* Footer */
.site-foot{background:var(--ink);color:#cdd8e6;padding:50px 0 26px;margin-top:40px}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:30px}
.site-foot h4{color:#fff;margin:0 0 14px;font-size:1rem}
.site-foot a{color:#9fb3c8;display:block;padding:4px 0;font-size:.93rem}
.site-foot a:hover{color:#fff}
.foot-brand{font-size:1.4rem;font-weight:800;color:#fff;display:flex;align-items:center;gap:8px}
.foot-bottom{border-top:1px solid #2a3850;margin-top:30px;padding-top:20px;font-size:.85rem;color:var(--mist);display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px}

/* Cookie */
#cookie{position:fixed;bottom:16px;left:16px;right:16px;max-width:560px;margin:0 auto;background:var(--ink);color:#fff;padding:16px 20px;border-radius:14px;box-shadow:0 10px 40px rgba(0,0,0,.3);z-index:100;display:none;align-items:center;gap:14px;flex-wrap:wrap}
#cookie p{margin:0;font-size:.88rem;flex:1;min-width:200px;color:#cdd8e6}
#cookie button{background:var(--accent);color:#fff;border:0;padding:9px 18px;border-radius:8px;font-weight:700;cursor:pointer}

@media(max-width:820px){
  .nav-links{display:none;position:absolute;top:66px;left:0;right:0;background:#fff;flex-direction:column;padding:14px;border-bottom:1px solid var(--line);box-shadow:var(--shadow)}
  .nav-links.open{display:flex}
  .nav-links a{width:100%;padding:12px}
  .burger{display:block}
  .foot-grid{grid-template-columns:1fr 1fr}
  .row2,.rgrid{grid-template-columns:1fr}
  body{font-size:16px}
}
@media(max-width:520px){.foot-grid{grid-template-columns:1fr}.btn.ghost{margin-left:0;margin-top:10px}}