:root {
  --navy: #0b1f3a;
  --navy-mid: #143056;
  --coral: #e06a4e;
  --coral-dark: #c4533a;
  --bg: #e8edf3;
  --panel: #ffffff;
  --ink: #152033;
  --muted: #5a6a7e;
  --line: #cfd8e3;
  --ok: #1a7a62;
  --display: "Libre Baskerville", Georgia, serif;
  --body: "Nunito Sans", "Segoe UI", sans-serif;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--body);
  color: var(--ink);
  background:
    linear-gradient(135deg, #dfe7f0 0%, var(--bg) 40%, #f0e8e4 100%);
  line-height: 1.6;
  font-size: 1rem;
  min-height: 100vh;
}
img { max-width: 100%; display: block; }
a { color: var(--navy-mid); }
a:hover { color: var(--coral); }

.bar {
  background: var(--navy);
  color: rgba(255,255,255,.85);
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: .55rem clamp(1rem, 4vw, 2rem);
  font-size: .8rem;
  flex-wrap: wrap;
  gap: .5rem;
}
.bar .lang a {
  color: #fff;
  text-decoration: none;
  margin-left: .45rem;
  font-weight: 800;
  opacity: .55;
}
.bar .lang a.active { opacity: 1; color: var(--coral); }

.util-header {
  width: min(1120px, 94%);
  margin: 1.1rem auto 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  flex-wrap: wrap;
}
.logo {
  font-family: var(--display);
  font-size: 1.65rem;
  color: var(--navy);
  text-decoration: none;
  font-weight: 700;
}
.logo small {
  display: block;
  font-family: var(--body);
  font-size: .7rem;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--coral);
  font-weight: 800;
  margin-bottom: .15rem;
}
.nav {
  display: flex;
  flex-wrap: wrap;
  gap: .35rem .9rem;
  list-style: none;
  font-weight: 700;
  font-size: .9rem;
}
.nav a { text-decoration: none; color: var(--ink); }
.nav a:hover, .nav a.active { color: var(--coral); }

/* Tool-first calculator module */
.tool-first {
  width: min(1120px, 94%);
  margin: 1.25rem auto;
  display: grid;
  grid-template-columns: 1.15fr .85fr;
  gap: 1.1rem;
  align-items: stretch;
}
@media (max-width: 900px) { .tool-first { grid-template-columns: 1fr; } }

.calc-panel {
  background: var(--panel);
  border: 1px solid var(--line);
  padding: clamp(1.2rem, 2.5vw, 1.8rem);
  box-shadow: 0 10px 30px rgba(11,31,58,.06);
  animation: rise .7s ease both;
}
.calc-panel h1 {
  font-family: var(--display);
  font-size: clamp(1.45rem, 2.8vw, 1.9rem);
  color: var(--navy);
  margin-bottom: .5rem;
  line-height: 1.25;
}
.calc-panel .lead {
  color: var(--muted);
  font-size: .95rem;
  margin-bottom: 1.1rem;
  max-width: 48ch;
}
.not-offer {
  background: #fff4f1;
  border: 1px solid #f0c4b8;
  color: #7a3a2c;
  padding: .7rem .85rem;
  font-size: .85rem;
  margin-bottom: 1.1rem;
}
.calc-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: .85rem;
}
@media (max-width: 560px) { .calc-grid { grid-template-columns: 1fr; } }
.calc-grid label {
  display: block;
  font-size: .8rem;
  font-weight: 800;
  letter-spacing: .03em;
  text-transform: uppercase;
  color: var(--muted);
  margin-bottom: .3rem;
}
.calc-grid input {
  width: 100%;
  padding: .7rem .75rem;
  border: 1px solid var(--line);
  border-radius: 4px;
  font: inherit;
  background: #f7f9fc;
}
.results {
  margin-top: 1.1rem;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: .65rem;
}
@media (max-width: 640px) { .results { grid-template-columns: 1fr; } }
.result-box {
  background: var(--navy);
  color: #fff;
  padding: .85rem;
  border-radius: 4px;
}
.result-box span {
  display: block;
  font-size: .72rem;
  text-transform: uppercase;
  letter-spacing: .06em;
  opacity: .7;
  margin-bottom: .25rem;
}
.result-box strong {
  font-family: var(--display);
  font-size: 1.15rem;
}
.result-box.accent { background: var(--coral); }

.hero-side {
  position: relative;
  overflow: hidden;
  border: 1px solid var(--line);
  background: var(--navy);
  animation: rise .7s .12s ease both;
}
.hero-side img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  min-height: 280px;
  opacity: .88;
}
.hero-side .brand-overlay {
  position: absolute;
  left: 0; right: 0; bottom: 0;
  padding: 1.4rem;
  background: linear-gradient(transparent, rgba(11,31,58,.92));
  color: #fff;
}
.hero-side .brand-overlay .name {
  font-family: var(--display);
  font-size: 2rem;
  margin-bottom: .35rem;
}
.hero-side .brand-overlay p { font-size: .92rem; opacity: .9; max-width: 28ch; }

.guides {
  width: min(1120px, 94%);
  margin: 1.5rem auto 2rem;
}
.guides h2 {
  font-family: var(--display);
  color: var(--navy);
  font-size: 1.55rem;
  margin-bottom: 1rem;
}
.guide-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: .85rem;
}
@media (max-width: 800px) { .guide-row { grid-template-columns: 1fr; } }
.guide {
  background: var(--panel);
  border: 1px solid var(--line);
  padding: 1.15rem;
  text-decoration: none;
  color: inherit;
  transition: border-color .2s, transform .2s;
  animation: rise .6s ease both;
}
.guide:nth-child(2) { animation-delay: .08s; }
.guide:nth-child(3) { animation-delay: .16s; }
.guide:hover { border-color: var(--coral); transform: translateY(-3px); }
.guide .tag {
  font-size: .72rem;
  font-weight: 800;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--coral);
  margin-bottom: .4rem;
}
.guide h3 { font-size: 1.05rem; margin-bottom: .35rem; color: var(--navy); }
.guide p { font-size: .9rem; color: var(--muted); }

.warn-band {
  width: min(1120px, 94%);
  margin: 0 auto 1.5rem;
  font-size: .88rem;
  color: var(--muted);
  border-left: 3px solid var(--navy);
  padding-left: .9rem;
}

.rate-block {
  width: min(1120px, 94%);
  margin: 0 auto 2rem;
  display: grid;
  grid-template-columns: .9fr 1.1fr;
  gap: 1.25rem;
  align-items: center;
  background: var(--panel);
  border: 1px solid var(--line);
  padding: 1.25rem;
}
@media (max-width: 800px) { .rate-block { grid-template-columns: 1fr; } }
.rate-block h2 {
  font-family: var(--display);
  color: var(--navy);
  margin-bottom: .6rem;
}
.rate-block p { color: var(--muted); margin-bottom: .7rem; }

.ad-note {
  width: min(1120px, 94%);
  margin: 0 auto 2rem;
  border: 1px dashed var(--line);
  padding: .9rem 1rem;
  font-size: .86rem;
  color: var(--muted);
  background: rgba(255,255,255,.55);
}
.ad-note strong {
  color: var(--coral);
  text-transform: uppercase;
  letter-spacing: .08em;
  font-size: .72rem;
  display: block;
  margin-bottom: .3rem;
}

.page {
  width: min(720px, 94%);
  margin: 1.5rem auto 3rem;
  background: var(--panel);
  border: 1px solid var(--line);
  padding: clamp(1.2rem, 3vw, 2rem);
}
.page h1 {
  font-family: var(--display);
  color: var(--navy);
  font-size: 1.85rem;
  margin-bottom: .85rem;
}
.page h2 {
  font-family: var(--display);
  color: var(--navy);
  font-size: 1.25rem;
  margin: 1.35rem 0 .55rem;
}
.page p, .page li { margin-bottom: .65rem; }
.page ul { margin-left: 1.15rem; }
.breadcrumbs { font-size: .85rem; color: var(--muted); margin-bottom: .85rem; }

.form { display: grid; gap: .65rem; max-width: 460px; }
.form label { font-weight: 700; font-size: .9rem; }
.form input, .form textarea {
  padding: .7rem;
  border: 1px solid var(--line);
  border-radius: 4px;
  font: inherit;
}
.btn {
  display: inline-flex;
  background: var(--coral);
  color: #fff;
  border: 0;
  padding: .75rem 1.2rem;
  font-weight: 800;
  cursor: pointer;
  text-decoration: none;
  border-radius: 4px;
  justify-self: start;
}
.btn:hover { background: var(--coral-dark); color: #fff; }

.footer {
  background: var(--navy);
  color: rgba(255,255,255,.75);
  padding: 2rem clamp(1rem, 4vw, 2rem);
  font-size: .88rem;
  margin-top: 2rem;
}
.footer-grid {
  width: min(1120px, 94%);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 1.25rem;
}
@media (max-width: 700px) { .footer-grid { grid-template-columns: 1fr; } }
.footer a { color: #f0a090; }
.footer strong { color: #fff; font-family: var(--display); font-size: 1.2rem; }

@keyframes rise {
  from { opacity: 0; transform: translateY(14px); }
  to { opacity: 1; transform: none; }
}