:root{--blue:#1f4e79;--blue-d:#163a5a;--green:#2e7d4f;--green-l:#e6f3ec;--bg:#fafaf7;--alt:#f1f4f8;--text:#1d2633;--muted:#5b6675;--line:#dfe4ea;--radius:14px;--shadow:0 6px 24px rgba(31,78,121,.08)}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--text);background:var(--bg);line-height:1.6;font-size:17px}
a{color:var(--blue)}
h1,h2,h3{line-height:1.2;color:var(--blue-d)}
h1{font-size:clamp(2rem,4.5vw,3.1rem);margin:.3em 0 .4em;letter-spacing:-.02em}
h2{font-size:clamp(1.5rem,3vw,2rem);margin:0 0 .6em}
h3,.h3{font-size:1.15rem;margin:1.2em 0 .5em}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
.narrow{max-width:780px}
.center{text-align:center}
.muted{color:var(--muted)}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
.topbar{position:sticky;top:0;z-index:10;background:rgba(250,250,247,.92);backdrop-filter:blur(6px);border-bottom:1px solid var(--line)}
.topbar-inner{display:flex;align-items:center;justify-content:space-between;height:62px}
.logo{font-weight:700;text-decoration:none;color:var(--blue-d);display:flex;align-items:center;gap:.5em;font-size:1.1rem}
.logo-mark{display:inline-grid;place-items:center;width:32px;height:32px;border-radius:10px;background:var(--green);color:#fff;font-weight:800}
nav a{margin-left:1.2em;text-decoration:none;color:var(--text);font-size:.95rem}
nav a.btn{color:#fff}
.btn{display:inline-block;background:var(--green);color:#fff;border:0;border-radius:10px;padding:.85em 1.4em;font-size:1rem;font-weight:600;text-decoration:none;cursor:pointer;transition:background .15s}
.btn:hover{background:#246640}
.btn-small{padding:.5em 1em;font-size:.9rem}
.btn-block{display:block;width:100%;text-align:center;margin-top:1em}
.btn-outline{background:#fff;color:var(--green);border:2px solid var(--green)}
.btn-outline:hover{background:var(--green-l)}
.micro{font-size:.88rem;color:var(--muted);margin:.7em 0}
.link-soft{color:var(--muted);text-decoration:none;font-size:.95rem}
.hero{padding:56px 0 64px;background:linear-gradient(180deg,#eef3f8 0%,var(--bg) 100%)}
.hero-grid{display:grid;grid-template-columns:1.25fr .9fr;gap:48px;align-items:center}
.eyebrow{display:inline-block;background:var(--green-l);color:var(--green);font-weight:600;font-size:.85rem;padding:.3em .8em;border-radius:99px;margin:0}
.lead{font-size:1.15rem;color:#334155;max-width:34em}
.hero-card{background:#fff;border-radius:var(--radius);box-shadow:var(--shadow);padding:26px 28px;border:1px solid var(--line)}
.hc-label{margin:0 0 .6em;font-size:.8rem;text-transform:uppercase;letter-spacing:.08em;color:var(--muted)}
.hc-row{display:flex;justify-content:space-between;margin:.35em 0}
.hc-row.big strong{font-size:1.6rem;color:var(--green)}
.hc-row.big{align-items:baseline}
.hc-note{font-size:.8rem;color:var(--muted);margin:.4em 0 0}
.hero-card hr{border:0;border-top:1px dashed var(--line);margin:.9em 0}
.section{padding:64px 0}
.section.alt{background:var(--alt)}
.checks{list-style:none;padding:0}
.checks li{position:relative;padding-left:2em;margin:.9em 0}
.checks li:before{content:"!";position:absolute;left:0;top:.15em;width:1.35em;height:1.35em;border-radius:50%;background:#fde8d7;color:#b45309;font-weight:800;display:grid;place-items:center;font-size:.85rem}
.callout{background:#fff;border-left:5px solid var(--green);padding:18px 22px;border-radius:0 var(--radius) var(--radius) 0;box-shadow:var(--shadow);margin-top:1.6em}
.steps{list-style:none;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:2em}
.steps li{background:#fff;border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}
.steps h3{margin-top:.6em}
.num{display:inline-grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--blue);color:#fff;font-weight:700}
.card{background:#fff;border-radius:var(--radius);box-shadow:var(--shadow);padding:28px;border:1px solid var(--line)}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:start}
form label,legend{display:block;font-weight:600;margin:1.1em 0 .35em;font-size:.97rem}
.help{display:block;font-weight:400;color:var(--muted);font-size:.85rem;margin-top:.15em}
.req{color:#b91c1c}
fieldset{border:0;padding:0;margin:1.1em 0 0}
fieldset legend{margin-top:0}
.money{display:flex;align-items:center;border:1.5px solid var(--line);border-radius:10px;background:#fff;overflow:hidden}
.money:focus-within,select:focus,.wl-row input:focus{border-color:var(--blue);outline:2px solid rgba(31,78,121,.15)}
.money span{padding:0 .8em;color:var(--muted);font-weight:600}
.money input{border:0;padding:.75em .6em .75em 0;font-size:1rem;width:100%;outline:none;background:transparent}
select{width:100%;padding:.7em;border:1.5px solid var(--line);border-radius:10px;font-size:1rem;background:#fff}
.seg{display:inline-flex;border:1.5px solid var(--line);border-radius:10px;overflow:hidden}
.seg input{position:absolute;opacity:0}
.seg label{margin:0;padding:.55em 1.4em;cursor:pointer;font-weight:500;background:#fff}
.seg input:checked+label{background:var(--blue);color:#fff}
.seg input:focus-visible+label{outline:2px solid var(--blue)}
.form-error{color:#b91c1c;font-size:.92rem;margin-top:1em}
.result{position:sticky;top:80px}
.result-empty{min-height:200px}
.kpis{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:1em 0}
.kpi{background:var(--alt);border-radius:12px;padding:16px}
.kpi.main{background:var(--green-l)}
.kpi-label{display:block;font-size:.85rem;color:var(--muted)}
.kpi-val{display:block;font-size:2rem;font-weight:800;color:var(--blue-d);line-height:1.2;margin:.15em 0}
.kpi.main .kpi-val{color:var(--green)}
.kpi-sub{font-size:.85rem;color:var(--muted)}
.split{font-size:.95rem}
.note{font-size:.9rem;background:#fff8e6;border-radius:10px;padding:10px 14px}
.table-wrap{overflow-x:auto}
.scen{width:100%;border-collapse:collapse;font-size:.92rem}
.scen th,.scen td{padding:.55em .5em;border-bottom:1px solid var(--line);text-align:right;white-space:nowrap}
.scen thead th{color:var(--muted);font-weight:600}
.scen tbody th{text-align:left;font-weight:500}
.scen td:nth-child(3){font-weight:700}
.tip{font-size:.92rem;margin-top:1.2em}
.fine{font-size:.82rem;color:var(--muted)}
.grid4{list-style:none;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:1.5em}
.grid4 li{background:#fff;border-radius:12px;padding:16px 18px;box-shadow:var(--shadow)}
.grid4 strong{display:block;color:var(--blue-d)}
.grid4 span{color:var(--muted);font-size:.93rem}
.waitlist{text-align:left}
.early{background:var(--green-l);padding:12px 16px;border-radius:10px}
.wl-row{display:flex;gap:10px;margin-top:1em}
.wl-row input{flex:1;padding:.8em;border:1.5px solid var(--line);border-radius:10px;font-size:1rem}
.consent{display:flex;gap:.6em;align-items:flex-start;font-weight:400;font-size:.88rem;color:var(--muted)}
.consent input{margin-top:.3em}
.wl-msg{font-size:.92rem;padding:10px 14px;border-radius:10px}
.wl-msg.ok{background:var(--green-l);color:#1e5b39}
.wl-msg.err{background:#fde2e2;color:#991b1b}
details{background:#fff;border-radius:12px;margin:.7em 0;padding:4px 18px;box-shadow:var(--shadow)}
summary{cursor:pointer;font-weight:600;padding:12px 0;color:var(--blue-d)}
details p{margin-top:0}
.footer{background:var(--blue-d);color:#d6e2ee;padding:36px 0;font-size:.9rem}
.footer a{color:#fff}
.footer .muted{color:#9fb3c8}
@media (max-width:900px){
  .hero-grid,.calc-grid{grid-template-columns:1fr}
  .steps{grid-template-columns:1fr}
  .result{position:static}
  nav a:not(.btn){display:none}
}
@media (max-width:560px){
  body{font-size:16px}
  .kpis,.grid4{grid-template-columns:1fr}
  .wl-row{flex-direction:column}
  .card{padding:20px}
}