body{font-family:-apple-system,Segoe UI,Roboto,Arial,sans-serif;margin:0;color:#1e293b;line-height:1.65;background:#f8fafc}
.wrap{max-width:880px;margin:0 auto;padding:0 20px}
header{background:#0f2747;color:#fff;padding:16px 0}header .wrap{display:flex;justify-content:space-between;align-items:center}header a{color:#fff;text-decoration:none;font-weight:700}
.hero{background:linear-gradient(135deg,#0f2747,#1d4ed8);color:#fff;padding:44px 0}.hero h1{font-size:30px;margin:0 0 10px}.hero p{font-size:18px;opacity:.92;margin:0}
.btn{display:inline-block;background:#f6c343;color:#0f2747;font-weight:800;padding:13px 26px;border-radius:8px;text-decoration:none}
.calc{background:#fff;border:1px solid #e2e8f0;border-radius:16px;padding:26px;margin:26px 0;box-shadow:0 4px 18px rgba(15,39,71,.06)}
.calc h2{margin-top:0;color:#0f2747}
.grid{display:grid;grid-template-columns:1fr 1fr;gap:14px 24px}
label{display:block;font-size:14px;font-weight:600;margin:10px 0 4px;color:#334155}
input,select{width:100%;padding:10px 12px;border:1px solid #cbd5e1;border-radius:8px;font-size:16px;box-sizing:border-box}
.out{background:#0f2747;color:#fff;border-radius:14px;padding:22px;margin-top:20px}
.out .row{display:flex;justify-content:space-between;padding:6px 0;border-bottom:1px solid rgba(255,255,255,.12);font-size:15px}
.out .big{font-size:30px;font-weight:800;color:#f6c343;margin-top:8px}
.muted{color:#64748b;font-size:13px}
.body{padding:20px 0 40px;font-size:16px}.body h2{color:#0f2747;font-size:22px;margin-top:30px}.body h3{color:#0f2747}
table{border-collapse:collapse;width:100%;margin:16px 0}th,td{border:1px solid #e2e8f0;padding:8px 10px;text-align:left;font-size:15px}th{background:#f1f5f9}
.cta{background:#eef2ff;border-radius:14px;padding:26px;text-align:center;margin:26px 0}.cta h2{margin-top:0}
footer{background:#0f2747;color:#cbd5e1;padding:24px 0;font-size:13px;text-align:center}footer a{color:#93c5fd}
@media(max-width:640px){.grid{grid-template-columns:1fr}}