*{box-sizing:border-box}body{margin:0;font-family:Poppins,system-ui,sans-serif;color:#33414e;line-height:1.65}a{color:#1f5f8b}h1,h2,h3{color:#1f3a5f}
header{border-bottom:1px solid #dbe5ee;padding:12px 5%;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:8px}nav a{margin-left:16px;text-decoration:none;color:#33414e;font-weight:500;font-size:.9rem}nav a:hover{color:#f38b47}nav a.cta{background:#f38b47;color:#fff;padding:8px 16px;border-radius:999px}
.hero{background:linear-gradient(135deg,#1f3a5f,#2f5d7c);color:#fff;padding:56px 5%;text-align:center}.hero h1{color:#fff;font-size:2.3rem;margin:0 0 12px;font-weight:800;line-height:1.2}.hero p{max-width:720px;margin:0 auto 22px;font-size:1.08rem;opacity:.92}
.btn{display:inline-block;background:#f38b47;color:#fff;padding:12px 26px;border-radius:999px;text-decoration:none;font-weight:600;border:0;cursor:pointer;font:inherit}main{max-width:1000px;margin:0 auto;padding:36px 5%}
.crumbs{font-size:.85rem;margin-bottom:10px}.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:18px}.card{background:#f3f7fa;border:1px solid #dbe5ee;border-radius:14px;padding:20px;text-decoration:none;color:#33414e;display:block}.card:hover{border-color:#f38b47}.card h3{margin:0 0 6px;font-size:1.05rem}
table{width:100%;border-collapse:collapse;margin:14px 0}th,td{padding:10px;border-bottom:1px solid #dbe5ee;text-align:left}th{background:#f3f7fa}
.answer{font-size:1.1rem;background:#fff6ef;border-left:4px solid #f38b47;padding:14px 18px;border-radius:8px}.note{font-size:.82rem;background:#f5f5f5;padding:12px 16px;border-radius:8px;margin-top:30px}
.pills a{display:inline-block;margin:4px 6px 4px 0;padding:6px 12px;background:#f3f7fa;border:1px solid #dbe5ee;border-radius:999px;text-decoration:none;color:#33414e;font-size:.88rem}
.calc{background:#f3f7fa;border:1px solid #dbe5ee;border-radius:14px;padding:22px;margin:20px 0}.calc label{display:block;font-weight:600;margin:10px 0 4px}.calc input,.calc select{width:100%;padding:10px;border:1px solid #c5d3df;border-radius:8px;font:inherit}.calc .out{font-size:1.3rem;font-weight:700;color:#1f3a5f;margin-top:14px}
footer{background:#1f3a5f;color:#dbe5ee;padding:30px 5%;font-size:.88rem}footer a{color:#fff}.fcols{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:16px}footer h4{color:#fff;margin:0 0 6px}footer ul{list-style:none;padding:0;margin:0}
details{border-bottom:1px solid #dbe5ee;padding:10px 0}summary{font-weight:600;cursor:pointer;color:#1f3a5f}@media(max-width:700px){nav a{margin-left:8px}.hero h1{font-size:1.7rem}}