* {
  box-sizing: border-box;
}

:root {
  --bg: #f4f7fb;
  --surface: #ffffff;
  --surface-alt: #f7faff;
  --text: #122238;
  --muted: #56667e;
  --primary: #1248d6;
  --primary-dark: #0d389f;
  --border: #dbe4f0;
  --shadow: 0 16px 46px rgba(18, 34, 56, 0.11);
  --success: #0e8f57;
}

body {
  margin: 0;
  font-family: Arial, Helvetica, sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.6;
}

a {
  color: inherit;
}

.container {
  width: min(1120px, calc(100% - 2rem));
  margin: 0 auto;
}

.hero {
  background:
    radial-gradient(circle at top left, rgba(18, 72, 214, 0.18), transparent 30%),
    linear-gradient(180deg, #f9fbff 0%, #eef4ff 100%);
  padding: 4rem 0 2.5rem;
}

.hero-layout {
  display: grid;
  grid-template-columns: 1.25fr 0.85fr;
  gap: 2rem;
  align-items: start;
}

.eyebrow {
  margin: 0 0 0.75rem;
  color: var(--primary);
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-size: 0.8rem;
}

h1,
h2,
h3,
p {
  margin-top: 0;
}

h1 {
  font-size: clamp(2.5rem, 5vw, 4rem);
  line-height: 1.05;
  margin-bottom: 1rem;
}

h2 {
  font-size: clamp(1.65rem, 3vw, 2.3rem);
  line-height: 1.15;
  margin-bottom: 1rem;
}

h3 {
  font-size: 1.15rem;
  margin-bottom: 0.65rem;
}

.lead {
  font-size: 1.1rem;
  color: var(--muted);
  max-width: 60ch;
}

.section-heading {
  margin-bottom: 1.25rem;
}

.section-kicker {
  margin: 0 0 0.5rem;
  color: var(--primary);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.hero-points {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin-top: 1.5rem;
}

.hero-points span {
  background: rgba(29, 78, 216, 0.08);
  color: var(--primary-dark);
  border: 1px solid rgba(29, 78, 216, 0.16);
  border-radius: 999px;
  padding: 0.6rem 0.9rem;
  font-size: 0.95rem;
  font-weight: 700;
}

.hero-summary,
.calculator-frame,
.table-panel,
.content-block,
.content-wide,
.benefit-card,
.faq-item,
.metric-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 20px;
  box-shadow: var(--shadow);
}

.hero-summary {
  padding: 1.5rem;
}

.summary-list {
  margin: 0;
  padding-left: 1.1rem;
  color: var(--muted);
}

.summary-list li + li {
  margin-top: 0.75rem;
}

.calculator-shell {
  margin-top: -0.5rem;
  padding-bottom: 2rem;
}

.calculator-frame {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 0;
  overflow: hidden;
}

.form-panel,
.results-panel {
  padding: 1.5rem;
}

.form-panel {
  background: linear-gradient(180deg, #ffffff 0%, #fbfdff 100%);
}

.results-panel {
  background: linear-gradient(180deg, #0f2241 0%, #16325c 100%);
  color: #fff;
}

.projection-note {
  color: rgba(255, 255, 255, 0.8);
  margin-bottom: 0;
}

.calculator-form {
  display: grid;
  gap: 1rem;
}

.field-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1rem;
}

.calculator-form label {
  display: grid;
  gap: 0.45rem;
  font-weight: 700;
  font-size: 0.95rem;
}

.calculator-form input,
.calculator-form select,
.calculator-form button {
  width: 100%;
  border-radius: 12px;
  font-size: 1rem;
}

.calculator-form input,
.calculator-form select {
  border: 1px solid var(--border);
  padding: 0.85rem 0.95rem;
  color: var(--text);
  background: #fff;
}

.button-row {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
}

.calculator-form button {
  border: 0;
  padding: 0.95rem 1rem;
  background: var(--primary);
  color: #fff;
  font-weight: 700;
  cursor: pointer;
  transition: background 0.2s ease;
}

.calculator-form button:hover,
.calculator-form button:focus-visible {
  background: var(--primary-dark);
}

.button-secondary {
  background: #e9eef8;
  color: var(--text);
}

.button-secondary:hover,
.button-secondary:focus-visible {
  background: #dde6f5;
}

.summary-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1rem;
}

.summary-card {
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: 16px;
  padding: 1rem;
  background: rgba(255, 255, 255, 0.08);
  backdrop-filter: blur(4px);
}

.summary-card span {
  display: block;
  font-size: 0.88rem;
  color: rgba(255, 255, 255, 0.8);
  margin-bottom: 0.35rem;
}

.summary-card strong {
  font-size: 1.35rem;
}

.table-panel {
  margin-top: 1.5rem;
  padding: 1.5rem;
}

.table-wrap {
  overflow-x: auto;
}

table {
  width: 100%;
  border-collapse: collapse;
}

th,
td {
  text-align: left;
  padding: 0.9rem 0.8rem;
  border-bottom: 1px solid var(--border);
  white-space: nowrap;
}

thead th {
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--muted);
  background: #f9fbff;
}

tbody tr:hover {
  background: #fbfdff;
}

.section {
  padding: 4rem 0;
}

.section-alt {
  background: linear-gradient(180deg, #eff5ff 0%, #f7faff 100%);
}

.content-grid,
.benefit-grid,
.info-grid {
  display: grid;
  gap: 1.5rem;
}

.info-grid {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.benefit-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
  margin-top: 1.5rem;
}

.content-block,
.benefit-card,
.faq-item,
.content-wide {
  padding: 1.5rem;
}

.content-wide {
  max-width: 100%;
}

.content-wide .info-grid {
  margin-top: 1.5rem;
}

.section-intro {
  color: var(--muted);
  max-width: 70ch;
  margin-bottom: 0;
}

.page-nav {
  padding: 1.5rem 0 0;
}

.page-nav-label {
  margin: 0 0 0.75rem;
  font-size: 0.85rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--muted);
}

.page-nav-list {
  display: flex;
  flex-wrap: wrap;
  gap: 0.65rem;
  list-style: none;
  margin: 0;
  padding: 0;
}

.page-nav-list a {
  display: inline-block;
  padding: 0.55rem 0.95rem;
  border: 1px solid var(--border);
  border-radius: 999px;
  background: var(--surface);
  text-decoration: none;
  font-size: 0.92rem;
  font-weight: 700;
  color: var(--primary-dark);
  transition: background 0.2s ease, border-color 0.2s ease;
}

.page-nav-list a:hover,
.page-nav-list a:focus-visible {
  background: var(--surface-alt);
  border-color: rgba(18, 72, 214, 0.25);
}

.steps-list {
  margin: 1.5rem 0 0;
  padding: 0;
  list-style: none;
  counter-reset: step;
}

.steps-list li {
  position: relative;
  padding: 1.25rem 1.25rem 1.25rem 4rem;
  border: 1px solid var(--border);
  border-radius: 16px;
  background: var(--surface-alt);
  counter-increment: step;
}

.steps-list li + li {
  margin-top: 1rem;
}

.steps-list li::before {
  content: counter(step);
  position: absolute;
  left: 1.25rem;
  top: 1.25rem;
  width: 2rem;
  height: 2rem;
  border-radius: 50%;
  background: var(--primary);
  color: #fff;
  display: grid;
  place-items: center;
  font-weight: 700;
  font-size: 0.95rem;
}

.steps-list h3 {
  margin-bottom: 0.5rem;
}

.steps-list p {
  margin-bottom: 0;
  color: var(--muted);
}

.content-list {
  margin: 0;
  padding-left: 1.2rem;
  color: var(--muted);
}

.content-list li + li {
  margin-top: 0.75rem;
}

.metric-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1rem;
}

.metric-card {
  padding: 1.25rem;
}

.metric-card h3 {
  color: var(--primary-dark);
}

.metric-card p {
  margin-bottom: 0;
  color: var(--muted);
  font-size: 0.95rem;
}

.formula {
  background: #132238;
  color: #fff;
  border-radius: 14px;
  padding: 0.9rem 1rem;
  font-weight: 700;
}

.formula + .formula {
  margin-top: 0.75rem;
}

.faq {
  display: grid;
  gap: 1rem;
}

.site-footer {
  padding: 1.5rem 0 2.5rem;
  color: var(--muted);
}

@media (max-width: 960px) {
  .hero-layout,
  .calculator-frame,
  .info-grid,
  .benefit-grid,
  .metric-grid {
    grid-template-columns: 1fr;
  }

  .summary-grid,
  .field-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 640px) {
  .hero {
    padding-top: 3rem;
  }

  .hero-summary,
  .calculator-frame,
  .table-panel,
  .content-block,
  .content-wide,
  .benefit-card,
  .faq-item,
  .metric-card {
    border-radius: 16px;
  }

  th,
  td {
    padding-left: 0.5rem;
    padding-right: 0.5rem;
  }
}