:root{
  --navy:#0f1b2d;
  --navy-2:#16233a;
  --blue:#2563eb;
  --blue-dark:#1d4ed8;
  --green:#16a34a;
  --amber:#d97706;
  --slate:#475569;
  --slate-light:#64748b;
  --bg:#f8fafc;
  --border:#e2e8f0;
  --radius:16px;
}
*{box-sizing:border-box}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;background:var(--bg);color:#0f172a;line-height:1.6}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:1100px;margin:0 auto;padding:0 20px}

/* Header */
header.site{background:rgba(255,255,255,.9);backdrop-filter:blur(8px);border-bottom:1px solid var(--border);position:sticky;top:0;z-index:50}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;height:72px}
.brand{display:flex;align-items:center;gap:10px;font-weight:900;font-size:1.15rem;letter-spacing:-.02em;color:#0f172a}
.brand .dot{width:34px;height:34px;border-radius:10px;background:linear-gradient(135deg,var(--blue),var(--navy));display:flex;align-items:center;justify-content:center;color:#fff;font-size:1rem}
nav.top a{font-size:.72rem;font-weight:800;text-transform:uppercase;letter-spacing:.08em;color:var(--slate);margin-left:22px}
nav.top a:hover{color:var(--blue);text-decoration:none}

/* Hero */
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 60%,#1e3a5f 100%);color:#fff;padding:72px 0 88px}
.hero h1{font-size:2.4rem;font-weight:900;letter-spacing:-.02em;margin:0 0 16px;max-width:780px}
.hero p.lead{font-size:1.05rem;color:#cbd5e1;max-width:640px;margin:0 0 0}
.badge{display:inline-block;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);color:#93c5fd;font-size:.68rem;font-weight:800;text-transform:uppercase;letter-spacing:.1em;padding:6px 14px;border-radius:999px;margin-bottom:18px}

/* Calculator card */
.calc-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:32px;box-shadow:0 20px 40px -20px rgba(15,23,42,.15);margin-top:-48px;position:relative;z-index:5}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}
@media(max-width:720px){.calc-grid{grid-template-columns:1fr}}
.field{margin-bottom:18px}
.field label{display:block;font-size:.72rem;font-weight:800;text-transform:uppercase;letter-spacing:.06em;color:var(--slate);margin-bottom:8px}
.field input,.field select{width:100%;padding:12px 14px;border:2px solid var(--border);border-radius:10px;font-size:1rem;font-weight:600;color:#0f172a;background:#fff}
.field input:focus,.field select:focus{outline:none;border-color:var(--blue)}
.field .hint{font-size:.72rem;color:var(--slate-light);margin-top:6px}
.result-box{background:var(--bg);border:2px solid var(--border);border-radius:14px;padding:24px;margin-top:8px}
.result-row{display:flex;justify-content:space-between;align-items:center;padding:10px 0;border-bottom:1px solid var(--border)}
.result-row:last-child{border-bottom:none}
.result-row .k{font-size:.78rem;font-weight:700;color:var(--slate)}
.result-row .v{font-size:1.3rem;font-weight:900;color:#0f172a}
.result-row.hero-result .v{color:var(--blue-dark);font-size:1.8rem}
.risk-low{color:var(--green)}
.risk-mid{color:var(--amber)}
.risk-high{color:#dc2626}
button.calc-btn{width:100%;background:var(--blue);color:#fff;border:none;padding:16px;border-radius:12px;font-size:.85rem;font-weight:900;text-transform:uppercase;letter-spacing:.08em;cursor:pointer;margin-top:8px}
button.calc-btn:hover{background:var(--blue-dark)}

/* Content sections */
.content{padding:64px 0}
.content h2{font-size:1.5rem;font-weight:900;letter-spacing:-.01em;margin:40px 0 16px}
.content h2:first-child{margin-top:0}
.content p{color:#334155;max-width:760px}
.content ul{color:#334155;max-width:760px}
.faq-item{border-bottom:1px solid var(--border);padding:20px 0}
.faq-item h3{font-size:1rem;margin:0 0 8px;font-weight:800}
.faq-item p{margin:0;font-size:.92rem}

/* Hub grid */
.hub-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin:40px 0}
@media(max-width:860px){.hub-grid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.hub-grid{grid-template-columns:1fr}}
.hub-card{background:#fff;border:1px solid var(--border);border-radius:14px;padding:24px;transition:box-shadow .15s,transform .15s;display:block}
.hub-card:hover{box-shadow:0 20px 30px -18px rgba(15,23,42,.2);transform:translateY(-2px);text-decoration:none}
.hub-card .icon{width:42px;height:42px;border-radius:10px;background:#eff6ff;color:var(--blue);display:flex;align-items:center;justify-content:center;font-size:1.2rem;margin-bottom:14px}
.hub-card h3{font-size:1.02rem;font-weight:800;color:#0f172a;margin:0 0 8px}
.hub-card p{font-size:.82rem;color:var(--slate);margin:0}

/* Footer */
footer.site{background:var(--navy);color:#94a3b8;padding:56px 0 32px;margin-top:40px}
footer.site .cols{display:grid;grid-template-columns:2fr 1fr 1fr;gap:32px;margin-bottom:40px}
@media(max-width:720px){footer.site .cols{grid-template-columns:1fr}}
footer.site h4{color:#fff;font-size:.72rem;text-transform:uppercase;letter-spacing:.08em;font-weight:800;margin:0 0 16px}
footer.site a{color:#94a3b8;display:block;font-size:.82rem;margin-bottom:10px}
footer.site a:hover{color:#fff}
footer.site .legal{border-top:1px solid rgba(255,255,255,.1);padding-top:24px;font-size:.72rem;line-height:1.7;color:#64748b}
.disclaimer{background:#fffbeb;border:1px solid #fde68a;border-radius:12px;padding:18px 20px;font-size:.82rem;color:#92400e;margin:24px 0}