:root{
  --navy:#16294d; --navy2:#243c6e; --gold:#c9a227; --gold2:#e8cd6d;
  --ink:#1d2433; --muted:#5b6478; --bg:#f7f5ef; --card:#ffffff; --line:#e7e1d1;
}
*{box-sizing:border-box}
html{font-size:19px;scroll-behavior:smooth}
body{margin:0;font-family:Georgia,'Times New Roman',serif;color:var(--ink);background:var(--bg);line-height:1.65}
h1,h2,h3,.sans{font-family:'Segoe UI',Arial,Helvetica,sans-serif}
.wrap{max-width:1080px;margin:0 auto;padding:0 1.2rem}
/* header */
header.site{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:.9rem 0;position:sticky;top:0;z-index:50}
.nav{display:flex;align-items:center;justify-content:space-between;gap:1rem}
.brand{display:flex;align-items:center;gap:.7rem;color:#fff;text-decoration:none}
.brand .logo{width:46px;height:46px;border-radius:12px;background:linear-gradient(135deg,var(--gold),var(--gold2));
  color:var(--navy);display:flex;align-items:center;justify-content:center;font-weight:800;font-size:1.3rem;font-family:Arial}
.brand b{font-size:1.15rem;letter-spacing:.3px}
.navlinks{display:flex;gap:1.1rem;flex-wrap:wrap}
.navlinks a{color:#dbe2f0;text-decoration:none;font-family:Arial;font-size:.95rem}
.navlinks a:hover{color:var(--gold2)}
/* hero */
.hero{background:radial-gradient(1200px 500px at 20% -10%,#2e4a86 0%,var(--navy) 55%,#0f1e3d 100%);color:#fff;
  padding:3.4rem 0 3rem;text-align:center}
.hero h1{font-size:2.5rem;margin:0 0 .6rem;line-height:1.2}
.hero h1 .g{color:var(--gold2)}
.hero p{font-size:1.2rem;color:#cfd8ea;max-width:40rem;margin:0 auto}
.hero .cta{margin-top:1.6rem;display:flex;gap:.8rem;justify-content:center;flex-wrap:wrap}
.btn{display:inline-block;background:var(--gold);color:var(--navy);border:none;border-radius:12px;
  font-family:Arial;font-weight:700;font-size:1.1rem;padding:.85rem 1.9rem;cursor:pointer;text-decoration:none}
.btn:hover{background:var(--gold2)}
.btn.ghost{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.5)}
.btn.ghost:hover{border-color:#fff}
/* cards */
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(290px,1fr));gap:1.2rem;margin:2rem 0}
.cardlink{background:var(--card);border:1px solid var(--line);border-radius:18px;padding:1.5rem;text-decoration:none;
  color:var(--ink);display:block;transition:transform .15s,box-shadow .15s;box-shadow:0 2px 8px rgba(22,41,77,.05)}
.cardlink:hover{transform:translateY(-4px);box-shadow:0 10px 24px rgba(22,41,77,.12)}
.cardlink .icon{font-size:2.4rem}
.cardlink h3{margin:.5rem 0 .3rem;color:var(--navy);font-size:1.25rem}
.cardlink p{margin:0;color:var(--muted);font-size:1rem}
.cardlink .go{color:var(--gold);font-family:Arial;font-weight:700;margin-top:.7rem;display:inline-block}
/* content */
main{padding:2rem 0 3rem}
.card{background:var(--card);border:1px solid var(--line);border-radius:18px;padding:1.7rem;margin:1.4rem 0;
  box-shadow:0 2px 10px rgba(22,41,77,.05)}
h2{color:var(--navy);font-size:1.7rem;margin:0 0 .4rem}
h3{color:var(--navy);font-size:1.2rem;margin:1.5rem 0 .5rem}
.lede{font-size:1.12rem;color:var(--muted);max-width:44rem}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
@media(max-width:720px){.grid2{grid-template-columns:1fr}.hero h1{font-size:1.9rem}}
label{display:block;font-family:Arial;font-weight:700;font-size:1rem;margin:.9rem 0 .3rem;color:var(--navy)}
.hint{display:block;font-weight:400;font-size:.88rem;color:var(--muted);margin-top:.15rem}
input[type=number],input[type=text],select{width:100%;font-size:1.25rem;padding:.7rem .8rem;border:2px solid var(--line);
  border-radius:10px;font-family:Arial}
input[type=number]:focus{outline:3px solid var(--gold2);border-color:var(--gold)}
input[type=range]{width:100%;height:44px;accent-color:var(--gold)}
.results{display:none}
.kpi{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem;margin:1.2rem 0}
@media(max-width:720px){.kpi{grid-template-columns:1fr}}
.kpi .box{background:var(--bg);border:1px solid var(--line);border-radius:14px;padding:1rem;text-align:center}
.kpi .n{font-family:Arial;font-size:1.9rem;font-weight:800;color:var(--navy)}
.kpi .l{font-size:.93rem;color:var(--muted)}
canvas.chart{width:100%;height:auto;border:1px solid var(--line);border-radius:12px;background:#fff}
.legend{display:flex;gap:1.2rem;flex-wrap:wrap;font-family:Arial;font-size:.95rem;margin:.6rem 0}
.sw{display:inline-block;width:14px;height:14px;border-radius:4px;margin-right:.35rem}
table{width:100%;border-collapse:collapse;font-family:Arial;font-size:1rem;margin-top:.8rem}
th,td{padding:.7rem .5rem;border-bottom:1px solid var(--line);text-align:left}
th{background:var(--navy);color:#fff}
tr td:first-child{font-weight:700}
.verdict{background:#fff8e1;border:2px solid var(--gold);border-radius:12px;padding:1.2rem;font-size:1.1rem;margin-top:1.2rem}
.note{font-size:.93rem;color:var(--muted);font-style:italic}
.faq details{border:1px solid var(--line);border-radius:10px;margin:.6rem 0;background:#fff}
.faq summary{cursor:pointer;padding:.9rem 1.1rem;font-family:Arial;font-weight:700;color:var(--navy);font-size:1.02rem}
.faq .a{padding:0 1.1rem 1rem}
.strip{background:var(--navy);color:#dbe2f0;border-radius:18px;padding:1.8rem;margin:2rem 0;text-align:center}
.strip h2{color:#fff}
.strip p{max-width:38rem;margin:.5rem auto}
footer.site{background:#0f1e3d;color:#aeb8cf;padding:2.2rem 0;font-size:.92rem}
footer.site a{color:var(--gold2)}
.disc{background:rgba(255,255,255,.06);border-radius:10px;padding:1rem;margin-top:1rem}
.badge{display:inline-block;background:#e9f5ec;color:#1e8449;font-family:Arial;font-weight:700;font-size:.85rem;
  padding:.25rem .8rem;border-radius:999px;margin-bottom:.6rem}