:root {
  --primary: #1a6fb5;
  --primary-dark: #14547e;
  --primary-light: #e8f4fc;
  --accent: #28a745;
  --text: #2d3436;
  --text-light: #636e72;
  --bg: #f8fafb;
  --white: #ffffff;
  --border: #dfe6e9;
  --shadow: 0 2px 8px rgba(0,0,0,.08);
  --radius: 8px;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{font-size:16px;scroll-behavior:smooth}
body{font-family:'Segoe UI',system-ui,-apple-system,sans-serif;color:var(--text);background:var(--bg);line-height:1.7}
a{color:var(--primary);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%;height:auto}

/* NAV */
.nav{background:var(--white);border-bottom:1px solid var(--border);position:sticky;top:0;z-index:100}
.nav-inner{max-width:1100px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;padding:.9rem 1.5rem}
.nav-logo{font-size:1.4rem;font-weight:700;color:var(--primary)}
.nav-logo span{color:var(--accent)}
.nav-links{display:flex;gap:1.5rem;list-style:none}
.nav-links a{color:var(--text);font-size:.95rem;font-weight:500}
.nav-links a:hover{color:var(--primary);text-decoration:none}
.nav-toggle{display:none;background:none;border:none;font-size:1.5rem;cursor:pointer}

/* HERO */
.hero{background:linear-gradient(135deg,var(--primary) 0%,var(--primary-dark) 100%);color:#fff;padding:4rem 1.5rem;text-align:center}
.hero h1{font-size:2.4rem;margin-bottom:1rem;font-weight:700}
.hero p{font-size:1.15rem;opacity:.9;max-width:600px;margin:0 auto 2rem}
.hero-cta{display:inline-block;background:var(--accent);color:#fff;padding:.85rem 2rem;border-radius:var(--radius);font-weight:600;font-size:1rem;transition:transform .15s}
.hero-cta:hover{transform:translateY(-2px);text-decoration:none}

/* CONTAINER */
.container{max-width:1100px;margin:0 auto;padding:3rem 1.5rem}

/* CARDS */
.card-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:1.5rem;margin:2rem 0}
.card{background:var(--white);border-radius:var(--radius);padding:2rem;box-shadow:var(--shadow);border:1px solid var(--border);transition:transform .15s}
.card:hover{transform:translateY(-3px)}
.card h3{color:var(--primary);margin-bottom:.5rem}
.card p{color:var(--text-light);font-size:.95rem}
.card-icon{font-size:2rem;margin-bottom:.75rem}

/* SECTION */
.section-title{font-size:1.8rem;text-align:center;margin-bottom:.5rem;color:var(--text)}
.section-sub{text-align:center;color:var(--text-light);margin-bottom:2.5rem;font-size:1.05rem}

/* TABLE */
.compare-table{width:100%;border-collapse:collapse;margin:1.5rem 0;background:var(--white);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow)}
.compare-table th{background:var(--primary);color:#fff;padding:.85rem 1rem;text-align:left;font-weight:600}
.compare-table td{padding:.75rem 1rem;border-bottom:1px solid var(--border)}
.compare-table tr:hover td{background:var(--primary-light)}

/* CALCULATOR */
.calc-wrap{background:var(--white);border-radius:var(--radius);padding:2.5rem;box-shadow:var(--shadow);max-width:700px;margin:2rem auto}
.calc-wrap h2{margin-bottom:1.5rem;color:var(--primary)}
.form-group{margin-bottom:1.2rem}
.form-group label{display:block;font-weight:600;margin-bottom:.3rem;font-size:.95rem}
.form-group input,.form-group select{width:100%;padding:.7rem;border:1px solid var(--border);border-radius:var(--radius);font-size:1rem}
.form-group input:focus{outline:none;border-color:var(--primary);box-shadow:0 0 0 3px rgba(26,111,181,.15)}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.btn{background:var(--primary);color:#fff;border:none;padding:.85rem 2rem;border-radius:var(--radius);font-size:1rem;font-weight:600;cursor:pointer;width:100%;transition:background .15s}
.btn:hover{background:var(--primary-dark)}
.btn-accent{background:var(--accent)}
.btn-accent:hover{background:#219a3a}
.result-box{background:var(--primary-light);border-radius:var(--radius);padding:1.5rem;margin-top:1.5rem;text-align:center;display:none}
.result-box.show{display:block}
.result-amount{font-size:2.2rem;font-weight:700;color:var(--primary)}
.result-label{color:var(--text-light);font-size:.95rem}

/* ARTICLE */
.article{max-width:750px;margin:0 auto}
.article h1{font-size:2rem;margin-bottom:.5rem}
.article .meta{color:var(--text-light);margin-bottom:2rem;font-size:.9rem}
.article h2{margin:2rem 0 .75rem;color:var(--primary)}
.article p,.article li{margin-bottom:1rem;font-size:1.02rem}
.article ul,.article ol{padding-left:1.5rem}
.tip-box{background:var(--primary-light);border-left:4px solid var(--primary);padding:1rem 1.5rem;border-radius:0 var(--radius) var(--radius) 0;margin:1.5rem 0}

/* FORM */
.lead-form{background:var(--white);border-radius:var(--radius);padding:2.5rem;box-shadow:var(--shadow);max-width:550px;margin:2rem auto}
.lead-form h2{color:var(--primary);margin-bottom:1rem}

/* FOOTER */
.footer{background:var(--white);border-top:1px solid var(--border);padding:2.5rem 1.5rem;margin-top:3rem}
.footer-inner{max-width:1100px;margin:0 auto;display:grid;grid-template-columns:2fr 1fr 1fr;gap:2rem}
.footer h4{margin-bottom:.75rem;color:var(--text)}
.footer p,.footer a{color:var(--text-light);font-size:.9rem}
.footer-links{list-style:none;display:flex;flex-direction:column;gap:.4rem}
.footer-links a{color:var(--text-light);font-size:.9rem}
.footer-links a:hover{color:var(--primary)}
.footer-bottom{text-align:center;color:var(--text-light);font-size:.85rem;margin-top:2rem;padding-top:1.5rem;border-top:1px solid var(--border)}

/* NEWSLETTER */
.newsletter{background:var(--primary);color:#fff;padding:2.5rem 1.5rem;text-align:center;border-radius:var(--radius);margin:3rem 0}
.newsletter h3{margin-bottom:.5rem;font-size:1.3rem}
.newsletter p{opacity:.85;margin-bottom:1.2rem}
.newsletter-form{display:flex;gap:.5rem;max-width:450px;margin:0 auto}
.newsletter-form input{flex:1;padding:.7rem;border:none;border-radius:var(--radius);font-size:.95rem}
.newsletter-form button{background:var(--accent);color:#fff;border:none;padding:.7rem 1.5rem;border-radius:var(--radius);font-weight:600;cursor:pointer}

/* FAQ */
.faq-item{border-bottom:1px solid var(--border);padding:1.2rem 0}
.faq-q{font-weight:600;cursor:pointer;display:flex;justify-content:space-between;align-items:center}
.faq-q::after{content:'+';font-size:1.3rem;color:var(--primary)}
.faq-q.open::after{content:'−'}
.faq-a{max-height:0;overflow:hidden;transition:max-height .3s;color:var(--text-light);font-size:.95rem}
.faq-a.open{max-height:500px;padding-top:.75rem}

@media(max-width:768px){
  .nav-links{display:none}
  .nav-toggle{display:block}
  .nav-links.open{display:flex;flex-direction:column;position:absolute;top:100%;left:0;right:0;background:var(--white);padding:1rem 1.5rem;border-bottom:1px solid var(--border)}
  .hero h1{font-size:1.8rem}
  .form-row{grid-template-columns:1fr}
  .footer-inner{grid-template-columns:1fr}
  .newsletter-form{flex-direction:column}
}