:root {
  --bg: #f6f7f9;
  --card: #ffffff;
  --ink: #1b2430;
  --muted: #5b6675;
  --line: #dfe3e8;
  --navy: #14243d;
  --gold: #e0b43b;
  --gold-ink: #6a4d00;
  --green: #1f7a4d;
  --green-bg: #e6f4ec;
  --red: #b3261e;
  --red-bg: #fbe9e7;
  --amber-bg: #fff6dd;
  --radius: 10px;
  --max: 880px;
}
* { box-sizing: border-box; }
html { font-size: 16px; }
body {
  margin: 0;
  font-family: -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.55;
}
a { color: #0b4f9c; }
header.site {
  background: var(--navy);
  color: #fff;
  padding: 14px 20px;
}
header.site .wrap {
  max-width: var(--max);
  margin: 0 auto;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 8px 20px;
}
header.site .brand {
  color: #fff;
  text-decoration: none;
  font-weight: 700;
  letter-spacing: .02em;
}
header.site .brand span { color: var(--gold); }
header.site nav a {
  color: #d5deea;
  text-decoration: none;
  font-size: .92rem;
  margin-right: 14px;
}
header.site nav a:hover { color: #fff; }
main {
  max-width: var(--max);
  margin: 0 auto;
  padding: 24px 20px 48px;
}
h1 { font-size: 1.8rem; line-height: 1.2; margin: 0 0 8px; }
h2 { font-size: 1.25rem; margin: 28px 0 10px; }
h3 { font-size: 1.05rem; margin: 18px 0 6px; }
p.lead { font-size: 1.08rem; color: var(--muted); margin-top: 0; }
.card {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 18px 20px;
  margin: 16px 0;
}
.grid { display: grid; grid-template-columns: 1fr; gap: 16px; }
@media (min-width: 700px) {
  .grid.two { grid-template-columns: 1fr 1fr; }
  .grid.three { grid-template-columns: 1fr 1fr 1fr; }
}
label { display: block; font-weight: 600; font-size: .92rem; margin: 12px 0 4px; }
label small { font-weight: 400; color: var(--muted); }
input[type=number], input[type=date], select {
  width: 100%;
  font: inherit;
  padding: 9px 10px;
  border: 1px solid #b9c2cc;
  border-radius: 6px;
  background: #fffdf2;
}
input:focus, select:focus { outline: 2px solid var(--gold); border-color: var(--gold); }
.check { display: flex; align-items: flex-start; gap: 8px; margin: 12px 0; font-weight: 600; font-size: .92rem; }
.check input { margin-top: 4px; }
.check small { display: block; font-weight: 400; color: var(--muted); }
.result {
  background: var(--navy);
  color: #fff;
  border-radius: var(--radius);
  padding: 18px 20px;
  margin: 16px 0;
}
.result .big { font-size: 2.1rem; font-weight: 700; color: var(--gold); line-height: 1.1; }
.result .label { font-size: .85rem; color: #c9d3e3; text-transform: uppercase; letter-spacing: .05em; }
.result table { width: 100%; border-collapse: collapse; margin-top: 12px; font-size: .95rem; }
.result td { padding: 6px 0; border-top: 1px solid rgba(255,255,255,.15); }
.result td:last-child { text-align: right; font-variant-numeric: tabular-nums; font-weight: 600; }
.result tr.total td { font-weight: 700; color: var(--gold); }
.warn {
  background: var(--amber-bg);
  border-left: 4px solid var(--gold);
  padding: 10px 14px;
  border-radius: 6px;
  margin: 10px 0;
  font-size: .95rem;
}
.warn.red { background: var(--red-bg); border-color: var(--red); }
.warn.green { background: var(--green-bg); border-color: var(--green); }
.neg { color: #ff8a80; }
table.rates { width: 100%; border-collapse: collapse; font-size: .95rem; background: #fff; }
table.rates th, table.rates td { padding: 8px 10px; border: 1px solid var(--line); text-align: right; font-variant-numeric: tabular-nums; }
table.rates th:first-child, table.rates td:first-child { text-align: left; font-weight: 600; }
table.rates thead th { background: var(--navy); color: #fff; text-align: center; }
.scroll { overflow-x: auto; }
.product {
  display: grid;
  grid-template-columns: 1fr;
  gap: 16px;
  align-items: center;
  background: #fff;
  border: 2px solid var(--gold);
  border-radius: var(--radius);
  padding: 18px 20px;
  margin: 24px 0;
}
@media (min-width: 700px) { .product { grid-template-columns: 200px 1fr; } }
.product img { width: 100%; border-radius: 6px; }
.btn {
  display: inline-block;
  background: var(--gold);
  color: var(--navy);
  font-weight: 700;
  text-decoration: none;
  padding: 10px 18px;
  border-radius: 6px;
  margin-top: 8px;
}
.btn:hover { background: #f2c94c; }
.tools { display: grid; grid-template-columns: 1fr; gap: 14px; }
@media (min-width: 700px) { .tools { grid-template-columns: 1fr 1fr; } }
.tools a.tool {
  display: block;
  text-decoration: none;
  color: var(--ink);
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 16px 18px;
}
.tools a.tool:hover { border-color: var(--gold); }
.tools a.tool strong { display: block; font-size: 1.05rem; margin-bottom: 4px; color: var(--navy); }
.tools a.tool span { color: var(--muted); font-size: .93rem; }
.foot-note { font-size: .88rem; color: var(--muted); }
footer.site {
  border-top: 1px solid var(--line);
  color: var(--muted);
  font-size: .85rem;
  padding: 20px;
}
footer.site .wrap { max-width: var(--max); margin: 0 auto; }
footer.site a { color: var(--muted); }
ul.tight li { margin: 4px 0; }