:root{--primary:#173b57;--dark:#102c43;--accent:#d97706;--bg:#f8fafc;--text:#17202a;--muted:#64748b;--border:#e2e8f0}*{box-sizing:border-box}body{margin:0;font-family:Inter,system-ui,-apple-system,sans-serif;background:var(--bg);color:var(--text);line-height:1.7}.wrap{max-width:1120px;margin:auto;padding:0 20px}.site-header{background:#fff;border-bottom:1px solid var(--border);position:sticky;top:0;z-index:10}.nav{min-height:68px;display:flex;align-items:center;justify-content:space-between;gap:20px}.brand{font-weight:800;color:var(--dark);text-decoration:none}.nav nav{display:flex;gap:18px;flex-wrap:wrap}.nav a{color:var(--text);text-decoration:none}.hero{background:var(--primary);color:#fff;padding:90px 0}.hero h1{font-size:clamp(2.2rem,5vw,4rem);line-height:1.1;max-width:850px}.hero p{font-size:1.2rem;max-width:760px}.section{padding-top:55px;padding-bottom:55px}.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:20px}.card,.calculator{background:#fff;border:1px solid var(--border);border-radius:12px;padding:24px}.card h3{line-height:1.3}.card a{color:var(--dark)}.eyebrow{text-transform:uppercase;letter-spacing:.08em;font-size:.78rem;color:var(--muted);font-weight:700}.btn{display:inline-block;background:var(--accent);color:#fff;border:0;border-radius:8px;padding:11px 18px;text-decoration:none;font-weight:700;cursor:pointer}.article{padding-top:55px;padding-bottom:80px}.article h1{font-size:clamp(2.3rem,5vw,4rem);line-height:1.1}.lead{font-size:1.2rem;color:#475569}.prose{max-width:820px}.prose h2{margin-top:45px;line-height:1.25}.prose h3{margin-top:30px}.prose table{width:100%;border-collapse:collapse;margin:25px 0;background:#fff}.prose th,.prose td,table th,table td{border:1px solid var(--border);padding:10px;text-align:left}.calculator{max-width:700px}.calculator label{display:block;margin:16px 0;font-weight:700}.calculator input,.calculator select{display:block;width:100%;padding:11px;margin-top:6px;border:1px solid var(--border);border-radius:7px;background:#fff}pre{white-space:pre-wrap;background:#0f172a;color:#e2e8f0;padding:16px;border-radius:8px;margin-top:20px}
.site-footer{background:#102c43;color:#fff;margin-top:70px;padding:56px 0 0}.footer-grid{display:grid;grid-template-columns:minmax(0,2fr) minmax(150px,1fr) minmax(150px,1fr);gap:55px;padding-bottom:48px}.footer-brand-link{display:inline-flex;align-items:center;gap:14px;color:#fff;text-decoration:none;font-size:1.2rem;font-weight:800}.footer-brand-link img{display:block;border-radius:12px;box-shadow:0 4px 14px rgba(0,0,0,.22)}.footer-brand p{max-width:500px;margin:18px 0 14px;color:#dbe7f0;font-size:.95rem;line-height:1.7}.footer-email{color:#fff;text-decoration:none;font-weight:700}.footer-email:hover,.footer-column a:hover{color:#fbbf24}.footer-column{display:flex;flex-direction:column;align-items:flex-start;gap:9px}.footer-column h2{font-size:.9rem;text-transform:uppercase;letter-spacing:.08em;margin:3px 0 9px;color:#f8fafc}.footer-column a{color:#dbe7f0;text-decoration:none;font-size:.95rem}.footer-bottom{border-top:1px solid rgba(255,255,255,.16);display:flex;justify-content:space-between;gap:24px;padding-top:20px;padding-bottom:22px}.footer-bottom p{margin:0;color:#b9c9d6;font-size:.82rem;line-height:1.6}.footer-bottom p:last-child{text-align:right;max-width:520px}
@media(max-width:800px){.nav{align-items:flex-start;flex-direction:column;padding-top:12px;padding-bottom:12px}.nav nav{gap:10px}.hero{padding:55px 0}.footer-grid{grid-template-columns:1fr 1fr;gap:35px}.footer-brand{grid-column:1/-1}.footer-bottom{flex-direction:column;gap:8px}.footer-bottom p:last-child{text-align:left}}@media(max-width:520px){.footer-grid{grid-template-columns:1fr}.footer-brand{grid-column:auto}.site-footer{padding-top:42px}}