:root {
  --bg: #f4f6f9;
  --paper: #ffffff;
  --ink: #0e1a2b;
  --muted: #5a6b80;
  --line: #d6dde6;
  --accent: #1f3a5f;
  --accent-2: #6b7a8f;
  --soft: #e8eef5;
  --warn: #fff5d8;
  --max: 1120px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
}
a { color: var(--accent); text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: #122742; }
.container { max-width: var(--max); margin: 0 auto; padding: 0 24px; }
.site-header {
  border-bottom: 1px solid var(--line);
  background: rgba(255, 255, 255, 0.94);
  position: sticky;
  top: 0;
  z-index: 10;
  backdrop-filter: blur(8px);
}
.nav { display: flex; justify-content: space-between; align-items: center; gap: 20px; padding: 16px 0; }
.brand { display: inline-flex; align-items: center; gap: 10px; }
.brand a { text-decoration: none; color: var(--ink); }
.brand-mark-link { display: inline-flex; align-items: center; transition: color 0.15s ease; }
.brand-mark-link:hover { color: var(--accent); }
.brand-mark { width: 30px; height: 30px; flex: 0 0 30px; }
.brand-text { display: inline-flex; flex-direction: column; gap: 0; }
.brand strong { font-size: 20px; letter-spacing: -0.02em; }
.brand span { font-size: 12px; color: var(--muted); letter-spacing: 0.08em; text-transform: uppercase; }
.nav-links { display: flex; gap: 16px; flex-wrap: wrap; font-size: 14px; }
.nav-links a { color: var(--ink); text-decoration: none; }
.nav-links a:hover { color: var(--accent); }
.hero { padding: 72px 0 60px; }
.eyebrow { color: var(--accent-2); text-transform: uppercase; letter-spacing: 0.12em; font-size: 13px; font-weight: 700; }
h1, h2, h3 { line-height: 1.15; letter-spacing: -0.035em; }
h1 { font-size: clamp(42px, 7vw, 56px); max-width: 980px; margin: 14px 0 22px; }
h2 { font-size: clamp(28px, 4vw, 32px); margin: 48px 0 16px; }
h3 { font-size: 22px; margin: 28px 0 12px; }
p { margin: 0 0 18px; }
.lede { font-size: clamp(20px, 3vw, 26px); max-width: 880px; color: #2a3848; }
.grid { display: grid; gap: 22px; }
.grid-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.grid-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.grid-4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }
.card, .note, .table-wrap {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 14px;
  box-shadow: 0 8px 24px rgba(14, 26, 43, 0.04);
}
.card { padding: 24px; }
.card h2, .card h3 { margin-top: 0; }
.card p:last-child { margin-bottom: 0; }
.note { padding: 20px; background: var(--soft); }
.note.warning { background: var(--warn); border-color: #e8d79a; }
.page { padding: 36px 0 72px; }
main ul, main ol { padding-left: 22px; }
main li { margin: 7px 0; }
.table-wrap { overflow-x: auto; margin: 20px 0 28px; }
table { border-collapse: collapse; width: 100%; min-width: 720px; background: var(--paper); }
th, td { text-align: left; padding: 14px 16px; border-bottom: 1px solid var(--line); vertical-align: top; }
th { background: #eaf0f7; font-size: 13px; letter-spacing: 0.06em; text-transform: uppercase; color: #3c4a5e; font-weight: 600; }
tr:last-child td { border-bottom: none; }
.value { font-weight: 700; white-space: nowrap; font-variant-numeric: tabular-nums; }
.small { font-size: 14px; color: var(--muted); }
.section-rule { border: none; border-top: 1px solid var(--line); margin: 44px 0; }
.item-list { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 18px; margin: 28px 0; }
.item-list a, .item-list .item { display: block; padding: 22px; background: var(--paper); border: 1px solid var(--line); border-radius: 14px; color: var(--ink); text-decoration: none; transition: transform 0.15s ease, border-color 0.15s ease; }
.item-list a:hover { border-color: var(--accent); transform: translateY(-1px); }
.item-list strong { font-size: 17px; }
.footer { border-top: 1px solid var(--line); padding: 36px 0; color: var(--muted); font-size: 14px; background: var(--paper); }
.footer .container { display: flex; justify-content: space-between; gap: 20px; flex-wrap: wrap; }
.footer p { margin: 0 0 6px; }
.footer .footer-links a { color: var(--ink); text-decoration: none; margin-left: 14px; }
.footer .footer-links a:first-child { margin-left: 0; }
.footer .footer-links a:hover { color: var(--accent); }
.badge { display: inline-block; padding: 4px 9px; border: 1px solid var(--line); border-radius: 999px; font-size: 12px; color: var(--muted); background: var(--paper); }
.dl { display: grid; grid-template-columns: 220px 1fr; gap: 14px 24px; margin: 0 0 18px; }
.dl dt { font-weight: 600; color: var(--ink); }
.dl dd { margin: 0; color: #2a3848; }
.glossary-list dt { font-size: 18px; font-weight: 700; margin-top: 22px; color: var(--accent); }
.glossary-list dd { margin: 6px 0 0; color: #2a3848; }
.cta-row { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 22px; }
.btn { display: inline-block; padding: 12px 22px; border-radius: 8px; text-decoration: none; font-weight: 600; font-size: 15px; border: 1px solid transparent; transition: background 0.15s ease, border-color 0.15s ease; cursor: pointer; }
.btn-primary { background: var(--accent); color: #fff; }
.btn-primary:hover { background: #122742; color: #fff; }
.btn-secondary { background: transparent; color: var(--ink); border-color: var(--line); }
.btn-secondary:hover { border-color: var(--accent); color: var(--accent); }
form.contact-form, form.calc-form { display: grid; gap: 16px; max-width: 640px; }
form.contact-form label, form.calc-form label { display: grid; gap: 6px; font-size: 14px; font-weight: 600; }
form.contact-form input, form.contact-form select, form.contact-form textarea,
form.calc-form input, form.calc-form select {
  font: inherit;
  padding: 12px 14px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--paper);
  color: var(--ink);
}
form.contact-form input:focus, form.contact-form select:focus, form.contact-form textarea:focus,
form.calc-form input:focus, form.calc-form select:focus {
  outline: 2px solid var(--accent);
  outline-offset: 1px;
  border-color: var(--accent);
}
form.contact-form textarea { min-height: 140px; resize: vertical; }
form.contact-form button, form.calc-form button { justify-self: start; }
.form-status { font-size: 14px; color: var(--muted); }
.form-status.ok { color: #1f5e3a; }
.form-status.err { color: #8a1c1c; }
.metric-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 16px; margin: 22px 0 30px; }
.metric { background: var(--paper); border: 1px solid var(--line); border-radius: 12px; padding: 18px; }
.metric strong { display: block; font-size: 26px; letter-spacing: -0.02em; font-variant-numeric: tabular-nums; }
.metric span { display: block; color: var(--muted); font-size: 13px; text-transform: uppercase; letter-spacing: 0.06em; margin-top: 4px; }
.calc-grid { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 22px; align-items: start; }
.calc-output { background: var(--soft); border: 1px solid var(--line); border-radius: 14px; padding: 24px; }
.calc-output .figure { font-size: 44px; font-weight: 700; letter-spacing: -0.03em; font-variant-numeric: tabular-nums; color: var(--accent); }
.calc-output .figure-label { color: var(--muted); font-size: 13px; text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 6px; }
.calc-meta { font-size: 14px; color: #2a3848; margin-top: 14px; }
.calc-meta dt { font-weight: 600; }
.calc-meta dd { margin: 0 0 8px; }
.example-card { background: var(--paper); border: 1px solid var(--line); border-radius: 14px; padding: 24px; box-shadow: 0 8px 24px rgba(14, 26, 43, 0.04); }
.example-card + .example-card { margin-top: 22px; }
.example-card h3 { margin-top: 0; }
.example-card .dl { grid-template-columns: 180px 1fr; }
@media (max-width: 840px) {
  .nav { align-items: flex-start; flex-direction: column; }
  .grid-2, .grid-3, .grid-4, .item-list, .metric-grid, .calc-grid { grid-template-columns: 1fr; }
  .dl, .example-card .dl { grid-template-columns: 1fr; gap: 4px 0; }
  .dl dt { margin-top: 14px; }
  .hero { padding-top: 42px; }
  h1 { font-size: 38px; }
}