:root{--navy:#0F2344;--blue:#1F4E8C;--gold:#D6A64B;--bg:#F4F6F9;--ink:#16233b;--muted:#5b6a85;--line:#e3e8f0;--radius:14px}
*{box-sizing:border-box}body{margin:0;font-family:Manrope,system-ui,sans-serif;color:var(--ink);background:var(--bg);line-height:1.7}
.container{width:min(760px,92vw);margin:0 auto}
.nav{background:var(--navy);position:sticky;top:0;z-index:20}
.nav-inner{display:flex;align-items:center;gap:20px;padding:14px 0;width:min(1120px,92vw)}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:#fff;font-weight:800;letter-spacing:.02em}
.brand-mark{width:26px;height:26px;fill:none}.bm-stroke{stroke:#fff;fill:none;stroke-linecap:round;stroke-linejoin:round}.bm-facet{fill:var(--gold)}
.brand-word b{color:var(--gold)}
.nav-links{display:flex;gap:18px;margin-left:auto}
.nav-links .link{color:#cdd8ea;text-decoration:none;font-weight:600;font-size:.94rem}
.nav-links .link:hover{color:#fff}
.btn{display:inline-block;padding:10px 18px;border-radius:999px;text-decoration:none;font-weight:700;font-size:.94rem}
.btn-primary{background:var(--gold);color:var(--navy)}
.btn-primary:hover{filter:brightness(1.07)}
.btn-lg{padding:14px 26px;font-size:1rem}
.article{padding:34px 0 60px}
.crumbs{font-size:.85rem;color:var(--muted);margin-bottom:18px}
.crumbs a{color:var(--blue);text-decoration:none}
h1{font-size:clamp(1.8rem,4vw,2.6rem);line-height:1.2;letter-spacing:-.02em;margin:.2em 0 .4em}
h2{font-size:clamp(1.25rem,2.4vw,1.6rem);margin:1.9em 0 .5em;letter-spacing:-.01em}
.lede{font-size:1.12rem;color:var(--muted)}
p{margin:0 0 1.05em}
ul{padding-left:1.15em}li{margin:.4em 0}
article{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px 34px}
.faq details{border-bottom:1px solid var(--line);padding:12px 0}
.faq summary{cursor:pointer;font-weight:700}
.faq p{margin:.7em 0 0;color:var(--muted)}
.cta-card{margin-top:26px;background:linear-gradient(135deg,var(--navy),var(--blue));color:#fff;border-radius:var(--radius);padding:30px 34px}
.cta-card h2{margin-top:0;color:#fff}.cta-card p{color:#d5e0f2}
.cards{display:grid;gap:16px;grid-template-columns:repeat(auto-fill,minmax(260px,1fr))}
.card{display:block;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px;text-decoration:none;color:inherit;transition:transform .15s,box-shadow .15s}
.card:hover{transform:translateY(-3px);box-shadow:0 10px 26px rgba(15,35,68,.1)}
.card h2{font-size:1.08rem;margin:.5em 0 .3em}
.card p{font-size:.9rem;color:var(--muted);margin:0}
.tag{font-size:.7rem;text-transform:uppercase;letter-spacing:.08em;font-weight:800;padding:3px 9px;border-radius:999px;background:#eef2f8;color:var(--blue)}
.tag-tool{background:#fbf1dc;color:#8a6413}
.tag-buyer{background:#e5efe6;color:#1f6b34}
.site-footer{background:var(--navy);color:#a9b8d0;padding:28px 0;font-size:.88rem;text-align:center}
.site-footer a{color:#cdd8ea;text-decoration:none}
.calc{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px 30px;margin:24px 0}
.calc label{display:block;font-weight:700;font-size:.9rem;margin:14px 0 5px}
.calc input,.calc select{width:100%;padding:11px 13px;border:1px solid var(--line);border-radius:10px;font:inherit;background:#fbfcfe}
.calc .row{display:grid;gap:14px;grid-template-columns:1fr 1fr}
.calc-out{margin-top:22px;background:var(--navy);color:#fff;border-radius:12px;padding:20px 24px}
.calc-out .big{font-size:2rem;font-weight:800;color:var(--gold);line-height:1.2}
.calc-out .sub{color:#cdd8ea;font-size:.9rem}
.note{font-size:.85rem;color:var(--muted);font-style:italic}
@media(max-width:640px){.nav-links{display:none}article,.cta-card,.calc{padding:22px 20px}.calc .row{grid-template-columns:1fr}}