:root{
  --bg:#f8fafc;
  --bg-2:#eef4ff;
  --surface:#ffffff;
  --surface-2:#f1f5f9;
  --text:#0f172a;
  --muted:#475569;
  --muted-2:#64748b;
  --line:#e2e8f0;
  --line-2:#cbd5e1;
  --brand:#2563eb;
  --brand-2:#1d4ed8;
  --brand-soft:#dbeafe;
  --success:#0f766e;
  --success-soft:#ccfbf1;
  --warning:#92400e;
  --warning-soft:#fff7ed;
  --shadow:0 10px 30px rgba(2,8,23,.08);
  --shadow-lg:0 22px 48px rgba(2,8,23,.12);
  --radius:22px;
  --max:1180px;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  color:var(--text);
  background:
    radial-gradient(circle at top left, rgba(37,99,235,.10), transparent 30%),
    radial-gradient(circle at top right, rgba(15,118,110,.08), transparent 25%),
    linear-gradient(180deg,#f8fbff 0%, #f8fafc 100%);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
}

img{max-width:100%;height:auto}
a{color:var(--brand);text-decoration:none}
a:hover{text-decoration:underline}
:focus-visible{
  outline:3px solid rgba(37,99,235,.28);
  outline-offset:2px;
  border-radius:10px;
}

.container{width:min(calc(100% - 2rem),var(--max));margin-inline:auto}
.section{padding:28px 0}
.section-lg{padding:52px 0}
.grid{display:grid;gap:24px}
.hero-grid{grid-template-columns:1.12fr .88fr;align-items:start}
.content-grid{grid-template-columns:minmax(0,1fr) 320px;align-items:start}

.topbar{
  position:sticky;
  top:0;
  z-index:50;
  background:rgba(248,250,252,.86);
  border-bottom:1px solid rgba(226,232,240,.9);
  backdrop-filter:blur(10px) saturate(160%);
}
.topbar-inner{
  min-height:68px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:16px;
}
.brand{
  display:flex;
  gap:12px;
  align-items:center;
  color:var(--text);
  font-weight:900;
}
.brand-mark{
  width:42px;
  height:42px;
  border-radius:14px;
  display:grid;
  place-items:center;
  color:#fff;
  background:linear-gradient(135deg,var(--brand),var(--success));
  box-shadow:0 12px 24px rgba(37,99,235,.22);
  font-size:1rem;
  font-weight:900;
}
.brand small{
  display:block;
  color:var(--muted-2);
  font-weight:700;
  font-size:.78rem;
}

.nav{display:flex;gap:16px;flex-wrap:wrap}
.nav a{color:var(--muted);font-weight:700}

.hero{padding:42px 0 18px}
.hero .eyebrow{
  display:inline-flex;
  align-items:center;
  gap:8px;
  padding:.55rem .85rem;
  border-radius:999px;
  background:rgba(37,99,235,.08);
  border:1px solid rgba(37,99,235,.14);
  color:var(--brand-2);
  font-weight:900;
  font-size:.9rem;
}
.hero h1{
  margin:.7rem 0 .8rem;
  font-size:clamp(2rem,4vw,3.6rem);
  line-height:1.06;
  letter-spacing:-.04em;
}
.hero p{
  margin:0 0 1rem;
  color:var(--muted);
  font-size:clamp(1rem,1.3vw,1.12rem);
  max-width:64ch;
}
.hero-points{
  display:flex;
  flex-wrap:wrap;
  gap:10px;
  padding:0;
  margin:18px 0 0;
  list-style:none;
}
.hero-points li{
  background:#fff;
  border:1px solid var(--line);
  border-radius:999px;
  padding:.7rem .95rem;
  box-shadow:var(--shadow);
  font-weight:700;
  color:var(--text);
  font-size:.93rem;
}

.card{
  background:rgba(255,255,255,.92);
  border:1px solid rgba(226,232,240,.95);
  border-radius:var(--radius);
  box-shadow:var(--shadow);
}
.card-lg{padding:24px}
.card-sm{padding:18px}
.card-sticky{position:sticky;top:88px}
.card h2,.card h3{line-height:1.2}

.calc-card{
  overflow:hidden;
  box-shadow:var(--shadow-lg);
}
.calc-header{
  padding:18px 20px;
  color:#fff;
  background:linear-gradient(135deg,#0f172a,#1e293b);
}
.calc-header h2{
  margin:0;
  font-size:1.14rem;
}
.calc-header p{
  margin:8px 0 0;
  color:rgba(255,255,255,.78);
  font-size:.95rem;
}
.calc-body{padding:22px}

.field{margin-bottom:16px}
.field-row{
  display:grid;
  gap:14px;
  grid-template-columns:1fr 1fr;
}
.label-row{
  display:flex;
  justify-content:space-between;
  gap:12px;
  align-items:center;
  margin-bottom:8px;
}
label{
  display:block;
  font-weight:800;
  color:var(--text);
  font-size:.96rem;
}
.hint{
  color:var(--muted-2);
  font-size:.83rem;
}

input[type="text"],input[type="number"],textarea{
  width:100%;
  min-height:54px;
  border:1px solid var(--line);
  border-radius:16px;
  padding:0 16px;
  font-size:1rem;
  color:var(--text);
  background:#fff;
  transition:border-color .2s ease, box-shadow .2s ease;
}
textarea{min-height:130px;padding:14px 16px;resize:vertical}
input:hover,textarea:hover{border-color:var(--line-2)}
input:focus,textarea:focus{
  outline:none;
  border-color:rgba(37,99,235,.55);
  box-shadow:0 0 0 4px rgba(37,99,235,.12);
}

.input-wrap{position:relative}
.currency{
  position:absolute;
  right:14px;
  top:50%;
  transform:translateY(-50%);
  color:var(--muted-2);
  font-weight:800;
  pointer-events:none;
}
.amount-input{
  padding-left:16px;
  padding-right:40px;
}
.clear-input{
  position:absolute;
  right:36px;
  top:50%;
  transform:translateY(-50%);
  width:30px;
  height:30px;
  border:0;
  border-radius:999px;
  background:transparent;
  color:var(--muted-2);
  cursor:pointer;
}
.clear-input:hover{background:#f1f5f9;color:var(--text)}

.segmented{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:10px;
}
.segmented input{position:absolute;opacity:0;pointer-events:none}
.segmented label{
  margin:0;
  min-height:52px;
  display:flex;
  align-items:center;
  justify-content:center;
  text-align:center;
  border:1px solid var(--line);
  border-radius:16px;
  background:#fff;
  color:var(--muted);
  cursor:pointer;
  user-select:none;
}
.segmented input:checked + label{
  background:linear-gradient(180deg,#eff6ff,#dbeafe);
  color:var(--text);
  border-color:rgba(37,99,235,.28);
  box-shadow:inset 0 0 0 1px rgba(37,99,235,.16);
}

.rate-buttons{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:10px;
}
.rate-btn{
  min-height:46px;
  border:1px solid var(--line);
  background:#fff;
  border-radius:14px;
  color:var(--text);
  font-weight:900;
  cursor:pointer;
}
.rate-btn.is-active{
  background:linear-gradient(180deg,#eff6ff,#dbeafe);
  border-color:rgba(37,99,235,.28);
}
.rate-display{
  margin-top:10px;
  padding:12px 14px;
  border:1px solid var(--line);
  border-radius:14px;
  background:#fff;
  color:var(--muted);
  font-weight:700;
}
.rate-display strong{
  color:var(--text);
}

.actions{
  display:flex;
  flex-wrap:wrap;
  gap:10px;
}
.btn{
  appearance:none;
  border:0;
  cursor:pointer;
  min-height:50px;
  padding:0 18px;
  border-radius:16px;
  font-weight:900;
  font-size:.98rem;
  transition:transform .12s ease, opacity .2s ease;
}
.btn:hover{transform:translateY(-1px)}
.btn-primary{
  color:#fff;
  background:linear-gradient(135deg,var(--brand),var(--brand-2));
  box-shadow:0 14px 24px rgba(37,99,235,.24);
}
.btn-secondary{
  background:#fff;
  color:var(--text);
  border:1px solid var(--line);
}
.btn-copy{
  background:#fff;
  color:var(--text);
  border:1px solid var(--line);
}

.results{
  margin-top:18px;
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:12px;
}
.results.results-4{grid-template-columns:repeat(4,1fr)}
.result{
  border:1px solid var(--line);
  border-radius:18px;
  background:linear-gradient(180deg,#fff,#f8fafc);
  padding:16px;
  min-height:112px;
  opacity:0;
  transform:translateY(8px);
}
.results.is-visible .result{
  opacity:1;
  transform:translateY(0);
  transition:opacity .28s ease, transform .28s ease;
}
.results.is-visible .result:nth-child(2){transition-delay:.03s}
.results.is-visible .result:nth-child(3){transition-delay:.06s}
.results.is-visible .result:nth-child(4){transition-delay:.09s}

.result .k{
  display:block;
  color:var(--muted-2);
  font-size:.85rem;
  font-weight:800;
  margin-bottom:10px;
}
.result .v{
  display:block;
  font-weight:900;
  letter-spacing:-.03em;
  font-size:clamp(1.05rem,2vw,1.45rem);
  line-height:1.12;
}
.result strong{
  display:inline-flex;
  align-items:center;
  gap:8px;
  margin-top:12px;
  padding:.34rem .62rem;
  border-radius:999px;
  background:var(--success-soft);
  color:var(--success);
  font-size:.83rem;
}

.status{
  margin-top:14px;
  min-height:1.5em;
  color:var(--muted);
  font-size:.92rem;
}

.prose{
  content-visibility:auto;
  contain-intrinsic-size:1px 1200px;
}
.prose h2{
  margin:0 0 14px;
  font-size:clamp(1.42rem,2vw,2rem);
  letter-spacing:-.02em;
}
.prose h3{
  margin:26px 0 10px;
  font-size:1.14rem;
  letter-spacing:-.01em;
}
.prose p{margin:0 0 14px;color:var(--muted)}
.prose ul{margin:0 0 14px 1.15rem;color:var(--muted)}
.prose li{margin-bottom:8px}

.formula{
  padding:14px 16px;
  border:1px solid var(--line);
  border-radius:16px;
  background:#fff;
  font-weight:900;
  overflow:auto;
}

.ad-slot{
  margin:22px 0;
  border:1px dashed #cbd5e1;
  background:linear-gradient(180deg,#fff,#f8fafc);
  border-radius:18px;
  padding:18px;
  text-align:center;
}
.ad-slot .adsbygoogle{
  min-height:90px;
}

.trust-grid,.related-grid{
  display:grid;
  gap:14px;
  grid-template-columns:repeat(3,1fr);
}
.related-grid.related-2{
  grid-template-columns:repeat(2,1fr);
}
.mini-card{
  padding:16px;
  border:1px solid var(--line);
  border-radius:18px;
  background:#fff;
}
.mini-card h3{
  margin:0 0 8px;
  font-size:1rem;
}
.mini-card p{
  margin:0;
  color:var(--muted);
  font-size:.95rem;
}
.related-link{
  display:block;
  padding:14px 16px;
  border:1px solid var(--line);
  border-radius:16px;
  background:#fff;
  color:var(--text);
  font-weight:800;
}
.related-link span{
  display:block;
  margin-top:4px;
  color:var(--muted-2);
  font-size:.9rem;
  font-weight:600;
}

.callout{
  padding:16px 18px;
  border-radius:18px;
  border:1px solid var(--line);
  background:#fff;
}
.callout-warning{
  background:var(--warning-soft);
  border-color:#fed7aa;
}
.callout h3{
  margin:0 0 10px;
}

.faq details{
  margin-bottom:12px;
  border:1px solid var(--line);
  border-radius:16px;
  background:#fff;
  padding:0 16px;
}
.faq summary{
  list-style:none;
  cursor:pointer;
  font-weight:900;
  padding:16px 0;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:12px;
}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{
  content:"+";
  font-size:1.25rem;
  color:var(--muted-2);
}
.faq details[open] summary::after{content:"−"}
.faq .faq-content{
  padding:0 0 16px;
  color:var(--muted);
}

.footer{
  padding:26px 0 40px;
  color:var(--muted-2);
}
.footer-wrap{
  border-top:1px solid var(--line);
  padding-top:18px;
  display:flex;
  justify-content:space-between;
  align-items:center;
  flex-wrap:wrap;
  gap:16px;
}
.footer-nav{
  display:flex;
  gap:14px;
  flex-wrap:wrap;
}
.footer-nav a{color:var(--muted);font-weight:700}
.copyright-link{
  color:inherit;
  text-decoration:none;
}
.copyright-link:hover{
  color:inherit;
  text-decoration:none;
}

.back-to-top{
  position:fixed;
  right:18px;
  bottom:18px;
  width:46px;
  height:46px;
  border:0;
  border-radius:999px;
  background:linear-gradient(135deg,var(--brand),var(--brand-2));
  color:#fff;
  font-size:1.1rem;
  font-weight:900;
  cursor:pointer;
  box-shadow:0 14px 28px rgba(37,99,235,.24);
  opacity:0;
  visibility:hidden;
  transform:translateY(8px);
  transition:opacity .2s ease, transform .2s ease, visibility .2s ease;
  z-index:60;
}
.back-to-top.is-visible{
  opacity:1;
  visibility:visible;
  transform:translateY(0);
}

@media (max-width:1024px){
  .hero-grid,.content-grid{grid-template-columns:1fr}
  .card-sticky{position:static}
}

@media (max-width:760px){
  .nav{display:none}
  .hero{padding-top:28px}
  .card-lg,.calc-body{padding:18px}
  .field-row,.segmented,.rate-buttons,.results,.results.results-4,.trust-grid,.related-grid,.related-grid.related-2{
    grid-template-columns:1fr;
  }
  .hero-points li{
    width:100%;
    text-align:center;
    justify-content:center;
  }
  .btn{width:100%}
  .footer-wrap{
    flex-direction:column;
    align-items:flex-start;
  }
}

@media (prefers-reduced-motion: reduce){
  html{scroll-behavior:auto}
  *{transition:none !important;animation:none !important}
}