:root{
  --ink:#14213d;--accent:#1f6feb;--accent-dark:#1656c2;--bg:#f7fafc;--card:#ffffff;
  --muted:#5a6b82;--line:#e3eaf3;--good:#15803d;--warn:#b45309;--radius:14px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px}
a{color:var(--accent)}
header.site{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);
  border-bottom:1px solid var(--line);backdrop-filter:saturate(1.4) blur(6px)}
.nav{max-width:1060px;margin:0 auto;padding:.7rem 1.1rem;display:flex;align-items:center;
  gap:1rem;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:.55rem;font-weight:800;font-size:1.15rem;
  color:var(--ink);text-decoration:none;margin-right:auto}
.brand svg{width:30px;height:30px}
nav.links{display:flex;gap:.35rem;flex-wrap:wrap}
nav.links a{text-decoration:none;color:var(--ink);font-weight:600;font-size:.95rem;
  padding:.45rem .7rem;border-radius:9px}
nav.links a:hover,nav.links a[aria-current="page"]{background:#eaf1fd;color:var(--accent-dark)}
.wrap{max-width:1060px;margin:0 auto;padding:1.4rem 1.1rem 3rem}
.hero{background:linear-gradient(135deg,#0f2a5c 0%,#1f6feb 100%);color:#fff;
  border-radius:var(--radius);padding:3rem 2rem;margin:0 0 1.6rem}
.hero h1{margin:0 0 .6rem;font-size:clamp(1.9rem,4.6vw,3rem);line-height:1.15}
.hero p.lead{margin:0 0 1.4rem;font-size:1.12rem;opacity:.94;max-width:34rem}
.btn{display:inline-block;background:var(--accent);color:#fff;text-decoration:none;
  padding:.75rem 1.3rem;border-radius:10px;font-weight:700;border:0;cursor:pointer;font-size:1rem}
.btn:hover{background:var(--accent-dark)}
.btn.ghost{background:#fff;color:var(--accent-dark);border:2px solid #cfe0fb}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:1rem;margin:1.6rem 0}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);
  padding:1.3rem 1.25rem}
.card h3{margin:.2rem 0 .5rem;font-size:1.15rem}
.card p{margin:.3rem 0 .9rem;color:var(--muted);font-size:.98rem}
.card a.cta{font-weight:700;text-decoration:none}
h2{margin-top:2.2rem;font-size:1.6rem}
h3{font-size:1.2rem}
ul.tight li,ol.tight li{margin-bottom:.4rem}
.disclaimer{background:#fff8e6;border:1px solid #f0d98c;border-radius:var(--radius);
  padding:1rem 1.15rem;margin:2rem 0;font-size:.94rem;color:#5c4b12}
.disclaimer strong{color:#7a5f0e}
footer.site{border-top:1px solid var(--line);background:#fff}
footer.site .wrap{padding:1.6rem 1.1rem;font-size:.9rem;color:var(--muted)}
footer.site .fine{margin-top:.8rem;font-size:.85rem}
table.plain{border-collapse:collapse;width:100%;margin:1rem 0;background:#fff}
table.plain th,table.plain td{border:1px solid var(--line);padding:.6rem .7rem;text-align:left;font-size:.96rem}
table.plain th{background:#eef4fe}
.tool{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);
  padding:1.4rem;margin:1.4rem 0}
.tool label{display:block;font-weight:600;margin:.8rem 0 .25rem}
.tool input[type=text],.tool input[type=number],.tool select{width:100%;max-width:340px;
  padding:.6rem .7rem;border:1px solid #c8d4e6;border-radius:9px;font-size:1rem}
.result{background:#eef7ee;border:1px solid #bfe3bf;border-radius:10px;
  padding:1rem 1.15rem;margin-top:1.1rem}
.result .big{font-size:1.9rem;font-weight:800;color:var(--good)}
.check-item{display:flex;gap:.7rem;align-items:flex-start;background:var(--card);
  border:1px solid var(--line);border-radius:10px;padding:.85rem 1rem;margin:.55rem 0}
.check-item input{width:1.35rem;height:1.35rem;margin-top:.25rem;flex:none;accent-color:var(--accent)}
.check-item.done{opacity:.62}
.check-item.done .label{text-decoration:line-through}
.check-item .why{font-size:.9rem;color:var(--muted)}
.progressbar{height:12px;background:#e6ecf5;border-radius:99px;overflow:hidden;margin:.6rem 0 1.4rem}
.progressbar>div{height:100%;background:linear-gradient(90deg,#1f6feb,#38bdf8);width:0;transition:width .3s}
.two{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
@media(max-width:680px){.two{grid-template-columns:1fr}.hero{padding:2.2rem 1.3rem}}
.note{font-size:.92rem;color:var(--muted)}
.kicker{text-transform:uppercase;letter-spacing:.08em;font-size:.82rem;font-weight:800;color:var(--accent-dark)}
.step{background:#fff;border:1px solid var(--line);border-left:5px solid var(--accent);
  border-radius:10px;padding:1rem 1.15rem;margin:.8rem 0}
.step h3{margin:.1rem 0 .4rem}