:root{--ink:#1f3a4d;--soft:#5b6b75;--bg:#f6faf9;--card:#fff;--accent:#2a9d8f;--accent-d:#1f7a6f;--warm:#f4a261;--coral:#e76f51;--line:#dde7e5;--sun:#e9c46a}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.65 system-ui,-apple-system,Segoe UI,Roboto,Inter,sans-serif;color:var(--ink);background:var(--bg)}
a{color:var(--accent-d)}a:hover{color:var(--coral)}
header.top{background:var(--ink);color:#fff}
.wrap{max-width:1040px;margin:0 auto;padding:0 20px}
.top .wrap{display:flex;align-items:center;gap:24px;min-height:64px;flex-wrap:wrap}
.logo{color:#fff;text-decoration:none;font-weight:900;font-size:22px;letter-spacing:-.5px}.logo span{color:var(--sun)}
nav a{color:#dfeceb;text-decoration:none;margin-right:18px;font-weight:600;font-size:15px}nav a:hover{color:#fff}
.hero{background:linear-gradient(160deg,#1f3a4d,#285460);color:#fff;padding:56px 0 48px}
.hero h1{font-size:42px;line-height:1.15;margin:0 0 12px;letter-spacing:-1px}.hero p{font-size:19px;color:#d4e6e3;max-width:640px;margin:0}
main{padding:32px 0 56px}
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(290px,1fr));gap:18px}
.card{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:20px 22px;text-decoration:none;color:var(--ink);display:block}
.card:hover{border-color:var(--accent);box-shadow:0 6px 20px rgba(31,58,77,.08)}
.card h3{margin:.1em 0 .3em;font-size:19px}.card p{margin:0;color:var(--soft);font-size:15px}
.tag{display:inline-block;font-size:12px;font-weight:700;letter-spacing:.4px;text-transform:uppercase;color:var(--accent-d);background:#e8f5f3;border-radius:6px;padding:2px 8px}
article{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:28px 34px;max-width:820px}
article h1{font-size:34px;line-height:1.2;margin:.2em 0 .3em;letter-spacing:-.6px}
article h2{font-size:24px;margin:1.6em 0 .4em}article h3{font-size:19px;margin:1.3em 0 .3em}
.meta{color:var(--soft);font-size:14px}
.box{border-radius:12px;padding:14px 18px;margin:18px 0;background:#f1f7f6;border:1px solid var(--line)}
.warn{background:#fff6ec;border-color:#f6d3ad}
.ad{border:2px solid var(--sun);background:#fffaf0;border-radius:14px;padding:16px 18px;margin:18px 0}
.ad .label{font-size:12px;font-weight:800;color:#8a6a1c;text-transform:uppercase;letter-spacing:.5px}
.ad h4{margin:.3em 0;font-size:19px}.ad ul{margin:.4em 0 .6em 1.1em;padding:0}
.btn{display:inline-block;background:var(--coral);color:#fff!important;text-decoration:none;font-weight:800;padding:10px 18px;border-radius:10px}
.btn:hover{background:#cf5a3e}
table{border-collapse:collapse;width:100%;margin:12px 0;font-size:15px}th,td{border-bottom:1px solid var(--line);padding:8px 10px;text-align:left}th{background:#eef5f4}
.calc{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:22px 24px;margin:18px 0}
.calc label{display:block;font-weight:700;font-size:15px;margin:10px 0 4px}
.calc input,.calc select{width:100%;max-width:320px;font:inherit;padding:9px 12px;border:1px solid #c8d6d3;border-radius:10px}
.calc .row{display:flex;gap:18px;flex-wrap:wrap}.calc .row>div{flex:1;min-width:200px}
.result{margin-top:16px;padding:16px 18px;border-radius:12px;background:#e8f5f3;font-size:18px}
.result b{font-size:24px}
.bar{height:16px;border-radius:8px;background:#e3ecea;overflow:hidden;display:flex;margin:6px 0}.bar i{display:block;height:100%}
footer{background:#16303f;color:#b9cfcc;padding:30px 0;font-size:14px}footer a{color:#dfeceb;margin-right:16px}
@media(max-width:640px){.hero h1{font-size:30px}article{padding:20px}}