*{box-sizing:border-box}body{margin:0;font-family:Poppins,system-ui,sans-serif;color:#333d47;line-height:1.65}a{color:#2c7a7b}h1,h2,h3{color:#1d4e5f}
header{border-bottom:1px solid #e3e8ee;padding:12px 5%;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:8px}nav a{margin-left:14px;text-decoration:none;color:#333d47;font-weight:500;font-size:.9rem}nav a:hover{color:#f0a04b}nav a.cta{background:#f0a04b;color:#fff;padding:8px 16px;border-radius:999px}
.hero{background:linear-gradient(135deg,#1d4e5f,#2c7a7b);color:#fff;padding:52px 5%;text-align:center}.hero h1{color:#fff;font-size:2.2rem;margin:0 0 12px;font-weight:800;line-height:1.2}.hero p{max-width:740px;margin:0 auto 20px;font-size:1.06rem;opacity:.93}
.btn{display:inline-block;background:#f0a04b;color:#fff;padding:12px 26px;border-radius:999px;text-decoration:none;font-weight:600}main{max-width:1000px;margin:0 auto;padding:34px 5%}.stamp{font-size:.82rem;opacity:.8}
.crumbs{font-size:.85rem;margin-bottom:10px}.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:16px}.card{background:#f4f7fa;border:1px solid #e3e8ee;border-radius:14px;padding:18px;text-decoration:none;color:#333d47;display:block}.card:hover{border-color:#f0a04b}.card h3{margin:0 0 6px;font-size:1.03rem}
table{width:100%;border-collapse:collapse;margin:14px 0}th,td{padding:9px;border-bottom:1px solid #e3e8ee;text-align:left;vertical-align:top}th{background:#f4f7fa}
.answer{font-size:1.08rem;background:#fff7f0;border-left:4px solid #f0a04b;padding:14px 18px;border-radius:8px}.note{font-size:.82rem;background:#f5f5f5;padding:12px 16px;border-radius:8px;margin-top:30px}
.pills a{display:inline-block;margin:4px 6px 4px 0;padding:6px 12px;background:#f4f7fa;border:1px solid #e3e8ee;border-radius:999px;text-decoration:none;color:#333d47;font-size:.87rem}
.calc{background:#f4f7fa;border:1px solid #e3e8ee;border-radius:14px;padding:22px;margin:18px 0;display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:4px 18px}.calc label{display:block;font-weight:600;margin:8px 0 4px;font-size:.92rem}.calc input,.calc select{width:100%;padding:9px;border:1px solid #c9d3dd;border-radius:8px;font:inherit}.calc .out{grid-column:1/-1;background:#fff;border-radius:10px;padding:14px 16px;margin-top:12px;min-height:96px}.calc .big{font-size:1.45rem;font-weight:800;color:#1d4e5f}
footer{background:#1d4e5f;color:#e8eef4;padding:30px 5%;font-size:.88rem}footer a{color:#fff}.fcols{display:grid;grid-template-columns:repeat(auto-fit,minmax(190px,1fr));gap:16px}footer h4{color:#fff;margin:0 0 6px}footer ul{list-style:none;padding:0;margin:0}
details{border-bottom:1px solid #e3e8ee;padding:10px 0}summary{font-weight:600;cursor:pointer;color:#1d4e5f}@media(max-width:700px){nav a{margin-left:8px}.hero h1{font-size:1.65rem}}