:root {
  --bg: #f5f8fc;
  --surface: #ffffff;
  --surface-muted: #edf3fa;
  --text: #162033;
  --muted: #5e6b80;
  --line: #dbe5f1;
  --primary: #245fa8;
  --primary-dark: #1a477e;
  --shadow: 0 18px 45px rgba(26, 71, 126, .10);
  --radius: 22px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: Inter, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.6;
}

a { color: inherit; }

button, select { font: inherit; }

.container {
  width: min(1120px, calc(100% - 40px));
  margin-inline: auto;
}

.header {
  position: sticky;
  top: 0;
  z-index: 20;
  background: rgba(245, 248, 252, .94);
  backdrop-filter: blur(14px);
  border-bottom: 1px solid rgba(219, 229, 241, .8);
}

.header__inner,
.footer__inner {
  min-height: 72px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  font-weight: 750;
  letter-spacing: -.02em;
}

.brand__icon {
  display: grid;
  place-items: center;
  width: 36px;
  height: 36px;
  border-radius: 11px;
  color: #fff;
  background: var(--primary);
  box-shadow: 0 8px 20px rgba(36, 95, 168, .22);
}

.nav {
  display: flex;
  gap: 24px;
}

.nav a {
  color: var(--muted);
  text-decoration: none;
  font-size: 15px;
}

.nav a:hover { color: var(--text); }

.hero {
  padding: 88px 0 72px;
  background:
    radial-gradient(circle at 80% 12%, rgba(36, 95, 168, .12), transparent 30%),
    linear-gradient(180deg, #f8fbff, var(--bg));
}

.hero__grid {
  display: grid;
  grid-template-columns: 1.35fr .65fr;
  gap: 64px;
  align-items: center;
}

.eyebrow {
  margin: 0 0 12px;
  color: var(--primary);
  font-size: 13px;
  font-weight: 750;
  letter-spacing: .1em;
  text-transform: uppercase;
}

h1, h2, h3, p { overflow-wrap: anywhere; }

h1 {
  max-width: 760px;
  margin: 0;
  font-size: clamp(38px, 6vw, 66px);
  line-height: 1.05;
  letter-spacing: -.045em;
}

h2 {
  margin: 0;
  font-size: clamp(28px, 4vw, 42px);
  line-height: 1.15;
  letter-spacing: -.03em;
}

h3 { margin: 0 0 8px; }

.hero__text {
  max-width: 690px;
  margin: 24px 0 0;
  color: var(--muted);
  font-size: 19px;
}

.hero__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 32px;
}

.button {
  min-height: 48px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0 20px;
  border: 1px solid transparent;
  border-radius: 12px;
  font-weight: 700;
  text-decoration: none;
  cursor: pointer;
  transition: .18s ease;
}

.button--primary {
  color: #fff;
  background: var(--primary);
  box-shadow: 0 10px 24px rgba(36, 95, 168, .2);
}

.button--primary:hover {
  background: var(--primary-dark);
  transform: translateY(-1px);
}

.button--secondary {
  color: var(--text);
  background: var(--surface);
  border-color: var(--line);
}

.button--secondary:hover { border-color: #b8c9dd; }

.checks {
  display: flex;
  flex-wrap: wrap;
  gap: 10px 22px;
  margin: 28px 0 0;
  padding: 0;
  color: var(--muted);
  list-style: none;
  font-size: 14px;
}

.checks li::before {
  content: "✓";
  margin-right: 7px;
  color: var(--primary);
  font-weight: 800;
}

.summary-card {
  padding: 28px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: rgba(255,255,255,.88);
  box-shadow: var(--shadow);
}

.summary-card__label {
  margin: 0 0 12px;
  color: var(--muted);
  font-size: 14px;
}

.summary-card__item {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 16px;
  padding: 15px 0;
  border-bottom: 1px solid var(--line);
}

.summary-card__item span { color: var(--muted); }

.summary-card__item strong { font-size: 22px; }

.summary-card__note {
  margin: 18px 0 0;
  color: var(--muted);
  font-size: 13px;
}

.section { padding: 82px 0; }

.section--muted { background: var(--surface-muted); }

.section--compact { padding: 38px 0; }

.section__heading {
  max-width: 720px;
  margin-bottom: 34px;
}

.section__heading > p:last-child {
  margin: 12px 0 0;
  color: var(--muted);
}

.calculator {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
  padding: 28px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--surface);
  box-shadow: var(--shadow);
}

.field {
  display: grid;
  gap: 8px;
}

.field label {
  font-size: 14px;
  font-weight: 700;
}

.field select {
  width: 100%;
  min-height: 50px;
  padding: 0 14px;
  color: var(--text);
  border: 1px solid var(--line);
  border-radius: 11px;
  background: #fff;
}

.field select:focus {
  outline: 3px solid rgba(36, 95, 168, .14);
  border-color: var(--primary);
}

.calculator__submit {
  grid-column: 1 / -1;
  justify-self: start;
  margin-top: 8px;
}

.result {
  margin-top: 24px;
  padding: 30px;
  border: 1px solid #bdd2eb;
  border-radius: var(--radius);
  background: #f7fbff;
}

.result__header {
  display: flex;
  align-items: start;
  justify-content: space-between;
  gap: 18px;
}

.result__grid,
.cards,
.factors {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 16px;
  margin-top: 26px;
}

.result__grid article,
.card,
.factors article {
  padding: 22px;
  border: 1px solid var(--line);
  border-radius: 16px;
  background: var(--surface);
}

.result__grid span {
  display: block;
  margin-bottom: 8px;
  color: var(--muted);
  font-size: 13px;
}

.result__grid strong { font-size: 20px; }

.result__note {
  margin: 22px 0 0;
  font-weight: 650;
}

.disclaimer {
  margin: 12px 0 0;
  color: var(--muted);
  font-size: 13px;
}

.card__number {
  display: inline-block;
  margin-bottom: 20px;
  color: var(--primary);
  font-weight: 800;
}

.card p,
.factors p {
  margin: 0;
  color: var(--muted);
}

.notice {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 36px;
  padding: 28px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--surface);
}

.notice p { margin: 8px 0 0; color: var(--muted); }

.text-link { color: var(--primary); font-weight: 700; white-space: nowrap; }

.footer {
  border-top: 1px solid var(--line);
  color: var(--muted);
  font-size: 14px;
}

@media (max-width: 860px) {
  .hero__grid { grid-template-columns: 1fr; gap: 34px; }
  .result__grid, .cards, .factors { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .nav { display: none; }
}

@media (max-width: 600px) {
  .container { width: min(100% - 24px, 1120px); }
  .hero { padding: 60px 0 52px; }
  .section { padding: 58px 0; }
  .calculator { grid-template-columns: 1fr; padding: 20px; }
  .result { padding: 22px; }
  .result__header, .notice, .footer__inner {
    align-items: stretch;
    flex-direction: column;
  }
  .result__grid, .cards, .factors { grid-template-columns: 1fr; }
  .calculator__submit { width: 100%; }
  .footer__inner { justify-content: center; padding: 24px 0; gap: 4px; }
}