:root {
  --bg: #0b0f17;
  --bg-card: #111827;
  --text: #e6edf3;
  --muted: #94a3b8;
  --accent: #d97706;
  --accent-soft: #f59e0b;
  --border: #1f2937;
  --input-bg: #0f172a;
  --input-border: #334155;
  --good: #22c55e;
  --bad: #ef4444;
}
* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
body {
  font-family: ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.55;
  font-feature-settings: "tnum" 1;
  -webkit-font-smoothing: antialiased;
}
a { color: var(--accent-soft); text-decoration: none; }
a:hover { color: var(--accent); }

.wrap { max-width: 1080px; margin: 0 auto; padding: 0 1.5rem; }

.header {
  display: flex; align-items: center; justify-content: space-between;
  padding: 1.1rem 1.5rem;
  border-bottom: 1px solid var(--border);
  max-width: 1080px; margin: 0 auto;
}
.brand { display: inline-flex; align-items: center; gap: .55rem; color: var(--text); font-weight: 700; font-size: 1.05rem; }
.brand img { width: 24px; height: 24px; display: block; }
.brand b { color: var(--accent); }
.nav { display: flex; gap: 1.25rem; font-size: .9rem; }
.nav a { color: var(--muted); }
.nav a:hover { color: var(--text); }
.nav a.cta { color: var(--accent); font-weight: 600; }

.hero {
  padding: 4rem 1.5rem 2.5rem;
  max-width: 1080px; margin: 0 auto;
}
.hero h1 {
  font-size: clamp(2rem, 4.5vw, 3rem);
  margin: 0 0 1rem;
  line-height: 1.1;
  letter-spacing: -.02em;
  max-width: 720px;
}
.hero h1 .accent { color: var(--accent); }
.hero .lead {
  font-size: 1.15rem;
  color: var(--muted);
  margin: 0;
  max-width: 640px;
}

.section-title {
  padding: 1rem 1.5rem .25rem;
  max-width: 1080px; margin: 0 auto;
  font-size: .85rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .12em;
  color: var(--muted);
}

.grid {
  display: grid; gap: 1rem;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  padding: 1rem 1.5rem 2.5rem;
  max-width: 1080px; margin: 0 auto;
}
.card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 1.25rem;
  transition: border-color .15s, transform .15s;
}
a.card { display: block; color: inherit; }
a.card:hover { border-color: var(--accent); transform: translateY(-1px); color: inherit; }
.card-title {
  font-size: 1.05rem; font-weight: 600;
  margin: 0 0 .35rem; color: var(--text);
  display: flex; align-items: center; gap: .5rem;
}
.card-mark { width: 6px; height: 6px; border-radius: 50%; background: var(--accent); display: inline-block; }
.card-desc { font-size: .9rem; color: var(--muted); margin: 0; }

.upsell {
  margin: 2rem 1.5rem 3rem;
  padding: 1.5rem;
  background: linear-gradient(135deg, rgba(217,119,6,.08), rgba(245,158,11,.03));
  border: 1px solid rgba(217,119,6,.25);
  border-radius: 10px;
  display: flex; align-items: center; justify-content: space-between; gap: 1rem;
  flex-wrap: wrap;
  max-width: 1080px;
  margin-left: auto; margin-right: auto;
  margin-bottom: 3rem;
}
.upsell-text h3 { margin: 0 0 .25rem; font-size: 1.05rem; color: var(--text); }
.upsell-text p { margin: 0; color: var(--muted); font-size: .9rem; }

.btn {
  display: inline-block; padding: .65rem 1.25rem; border-radius: 8px;
  background: var(--accent); color: #0b0f17; font-weight: 600; font-size: .9rem;
  border: 0; cursor: pointer; font-family: inherit;
  text-align: center;
}
.btn:hover { background: var(--accent-soft); color: #0b0f17; }
.btn:disabled { opacity: .5; cursor: not-allowed; }
.btn-ghost {
  background: transparent; color: var(--text);
  border: 1px solid var(--input-border);
}
.btn-ghost:hover { border-color: var(--accent); color: var(--accent); background: transparent; }

/* calculator pages */
.calc-page {
  padding: 2.5rem 1.5rem 1rem;
  max-width: 720px;
  margin: 0 auto;
}
.calc-page h1 { font-size: clamp(1.5rem, 3vw, 2.25rem); margin: 0 0 .5rem; line-height: 1.15; letter-spacing: -.01em; }
.calc-page .lead { color: var(--muted); margin: 0 0 2rem; font-size: 1rem; }
.calc-form {
  display: grid; gap: 1rem;
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 1.5rem;
}
.field { display: grid; gap: .35rem; }
.field label { font-size: .85rem; color: var(--muted); font-weight: 500; }
.field input, .field select {
  background: var(--input-bg);
  color: var(--text);
  border: 1px solid var(--input-border);
  border-radius: 6px;
  padding: .65rem .75rem;
  font: inherit;
  font-feature-settings: "tnum" 1;
  width: 100%;
}
.field input:focus, .field select:focus {
  outline: 2px solid var(--accent);
  outline-offset: 1px;
  border-color: var(--accent);
}
.field-hint { font-size: .75rem; color: var(--muted); margin-top: .25rem; }
.row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
@media (max-width: 540px) { .row { grid-template-columns: 1fr; } }

.results {
  margin-top: 1.5rem;
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 1.25rem 1.5rem;
}
.result-row {
  display: flex; justify-content: space-between; align-items: baseline; gap: 1rem;
  padding: .55rem 0; border-bottom: 1px dashed var(--border);
}
.result-row:last-child { border-bottom: 0; }
.result-label { color: var(--muted); font-size: .9rem; }
.result-value { font-size: 1.2rem; font-weight: 600; color: var(--text); font-feature-settings: "tnum" 1; text-align: right; }
.result-value.accent { color: var(--accent); }
.result-value.good { color: var(--good); }
.result-value.bad { color: var(--bad); }
.result-value.muted { color: var(--muted); font-weight: 500; font-size: 1rem; }

.rate-banner {
  margin: 1rem 0;
  padding: .5rem .75rem;
  font-size: .8rem;
  color: var(--muted);
  background: var(--input-bg);
  border-radius: 6px;
}
.rate-banner.error { color: var(--bad); }
.rate-banner.ok { color: var(--good); }

.explainer {
  padding: 2rem 1.5rem 3rem;
  max-width: 720px;
  margin: 0 auto;
  color: var(--muted);
  line-height: 1.7;
  font-size: .95rem;
}
.explainer h2 { color: var(--text); font-size: 1.15rem; margin: 1.5rem 0 .5rem; }
.explainer p { margin: 0 0 .75rem; }
.explainer code { background: var(--input-bg); padding: .15rem .4rem; border-radius: 4px; font-size: .85em; color: var(--accent-soft); }
.explainer ul { padding-left: 1.25rem; margin: .5rem 0; }
.explainer li { margin: .25rem 0; }

.footer {
  border-top: 1px solid var(--border);
  padding: 2rem 1.5rem;
  font-size: .85rem;
  color: var(--muted);
  display: flex; justify-content: space-between; gap: 1rem; flex-wrap: wrap;
  max-width: 1080px;
  margin: 4rem auto 0;
}
.footer a { color: var(--muted); }
.footer a:hover { color: var(--accent); }

.crumb {
  padding: .5rem 1.5rem 0;
  max-width: 720px; margin: 0 auto;
  font-size: .85rem;
  color: var(--muted);
}
.crumb a { color: var(--muted); }
.crumb a:hover { color: var(--accent); }