@import"https://fonts.googleapis.com/css2?family=Playfair+Display:wght@600;700&family=DM+Sans:wght@300;400;500;600&display=swap";:root{--navy: #0f2044;--navy-mid: #1a3360;--navy-light: #243e7a;--accent: #c8a84b;--accent-light: #e8c96a;--white: #ffffff;--off-white: #f7f8fc;--gray-100: #eef0f7;--gray-200: #d8dce8;--gray-400: #8892ad;--gray-600: #4a5268;--text: #1a1f2e;--text-muted: #5a6278;--success: #0d7a4e;--success-bg: #e6f7f0;--error: #c0392b;--radius: 10px;--radius-lg: 16px;--shadow: 0 4px 24px rgba(15,32,68,.1);--shadow-lg: 0 8px 48px rgba(15,32,68,.16)}*,*:before,*:after{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}body{font-family:DM Sans,sans-serif;font-weight:400;color:var(--text);background:var(--off-white);line-height:1.6;-webkit-font-smoothing:antialiased}h1,h2,h3,h4{font-family:Playfair Display,serif;line-height:1.2;color:var(--navy)}h1{font-size:clamp(2rem,4vw,3rem);font-weight:700}h2{font-size:clamp(1.4rem,2.5vw,1.9rem);font-weight:600}h3{font-size:1.2rem;font-weight:600}p{color:var(--text-muted);line-height:1.75}a{color:var(--navy-light);text-decoration:none}a:hover{color:var(--accent)}.nav{background:var(--navy);border-bottom:3px solid var(--accent);position:sticky;top:0;z-index:100}.nav-inner{max-width:1100px;margin:0 auto;padding:0 1.5rem;display:flex;align-items:center;justify-content:space-between;height:64px}.nav-logo{font-family:Playfair Display,serif;font-size:1.4rem;font-weight:700;color:var(--white);display:flex;align-items:center;gap:8px}.nav-logo span{color:var(--accent)}.nav-links{display:flex;gap:4px;align-items:center}.desktop-only{display:flex}.mobile-only{display:none}.nav-links a{color:#ffffffbf;padding:8px 12px;font-size:.85rem;font-weight:500;border-radius:6px;transition:all .2s}.nav-links a:hover{background:#ffffff1a;color:var(--white)}.nav-links a.active{color:var(--accent);background:#c8a84b1a}.dropdown{position:relative}.dropbtn{background:transparent;color:#ffffffbf;padding:8px 12px;font-size:.85rem;font-weight:500;border:none;border-radius:6px;cursor:pointer;font-family:DM Sans,sans-serif;transition:all .2s}.dropdown:hover .dropbtn{background:#ffffff1a;color:var(--white)}.dropdown-content{display:none;position:absolute;right:0;background-color:var(--white);min-width:220px;box-shadow:var(--shadow-lg);z-index:1000;border-radius:var(--radius);margin-top:0;top:100%;border:1px solid var(--gray-200);padding:8px 0}.dropdown-content:before{content:"";position:absolute;top:-15px;left:0;width:100%;height:15px;background:transparent}.dropdown-content a{color:var(--navy)!important;padding:10px 20px;text-decoration:none;display:block;font-size:.875rem;font-weight:500}.dropdown-content a:hover{background-color:var(--gray-100);color:var(--accent)!important}.dropdown:hover .dropdown-content{display:block}.hamburger{background:transparent;border:none;cursor:pointer;display:flex;flex-direction:column;gap:5px;padding:10px;z-index:1001}.hamburger span{display:block;width:24px;height:2px;background:var(--white);transition:all .3s ease-in-out;border-radius:2px}.mobile-menu-overlay{position:fixed;top:0;right:-100%;width:100%;height:100%;background:var(--navy);z-index:2000;transition:right .4s cubic-bezier(.77,.2,.05,1)}.mobile-menu-overlay.open{right:0}.mobile-menu-content{padding:1.5rem;height:100%;display:flex;flex-direction:column}.mobile-menu-header{display:flex;justify-content:space-between;align-items:center;margin-bottom:2rem}.close-btn{background:transparent;border:none;color:var(--white);font-size:2.5rem;line-height:1;cursor:pointer;padding:0 10px}.mobile-menu-links{display:flex;flex-direction:column;gap:.5rem;overflow-y:auto}.mobile-menu-links a{color:var(--white);font-size:1.1rem;padding:12px 16px;border-radius:8px;background:#ffffff0d;transition:all .2s}.mobile-menu-links a:hover,.mobile-menu-links a.active{background:var(--accent);color:var(--navy);font-weight:600}@media (max-width: 1024px){.desktop-only{display:none}.mobile-only{display:flex}}.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-mid) 60%,var(--navy-light) 100%);padding:4rem 1.5rem 3rem;position:relative;overflow:hidden}.hero:before{content:"";position:absolute;inset:0;background:url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E")}.hero-inner{max-width:1100px;margin:0 auto;position:relative}.hero h1{color:var(--white);margin-bottom:1rem}.hero p{color:#ffffffbf;font-size:1.1rem;max-width:600px;margin-bottom:0}.hero-badge{display:inline-flex;align-items:center;gap:6px;background:#c8a84b33;border:1px solid rgba(200,168,75,.4);color:var(--accent-light);font-size:.8rem;font-weight:500;padding:5px 12px;border-radius:20px;margin-bottom:1.25rem}.container{max-width:1100px;margin:0 auto;padding:0 1.5rem}.main-content{padding:3rem 1.5rem;max-width:1100px;margin:0 auto}.tool-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:1.25rem;margin-top:2.5rem}.tool-card{background:var(--white);border-radius:var(--radius-lg);padding:1.75rem;box-shadow:var(--shadow);border:1px solid var(--gray-200);transition:transform .2s,box-shadow .2s,border-color .2s;display:flex;flex-direction:column}.tool-card:hover{transform:translateY(-3px);box-shadow:var(--shadow-lg);border-color:var(--navy-light)}.tool-icon{width:48px;height:48px;background:var(--navy);border-radius:12px;display:flex;align-items:center;justify-content:center;margin-bottom:1rem;font-size:1.4rem}.tool-card h3{margin-bottom:.5rem;color:var(--navy)}.tool-card p{font-size:.9rem;flex:1;margin-bottom:1.25rem}.btn{display:inline-flex;align-items:center;gap:6px;background:var(--navy);color:var(--white);padding:10px 20px;border-radius:8px;font-size:.875rem;font-weight:600;font-family:DM Sans,sans-serif;border:2px solid transparent;cursor:pointer;transition:background .15s,transform .1s;text-decoration:none}.btn:hover{background:var(--navy-light);color:var(--white);transform:translateY(-1px)}.btn-outline{background:transparent;color:var(--navy);border:2px solid var(--navy)}.btn-outline:hover{background:var(--navy);color:var(--white)}.btn-accent{background:var(--accent);color:var(--navy)}.btn-accent:hover{background:var(--accent-light);color:var(--navy)}.calc-page{display:grid;grid-template-columns:1fr 380px;gap:2rem;align-items:start;padding:2.5rem 1.5rem;max-width:1100px;margin:0 auto}@media (max-width: 860px){.calc-page{grid-template-columns:1fr}}.calc-card{background:var(--white);border-radius:var(--radius-lg);box-shadow:var(--shadow);border:1px solid var(--gray-200);overflow:hidden}.calc-header{background:var(--navy);padding:1.75rem 2rem;border-bottom:3px solid var(--accent)}.calc-header h1{color:var(--white);font-size:clamp(1.4rem,2.5vw,1.8rem);margin-bottom:.4rem}.calc-header p{color:#ffffffb3;font-size:.9rem;margin:0}.calc-body{padding:2rem}.form-group{margin-bottom:1.5rem}.form-group label{display:block;font-size:.875rem;font-weight:600;color:var(--navy);margin-bottom:.4rem}.form-group label .hint{font-weight:400;color:var(--gray-400);font-size:.8rem}.form-control{width:100%;padding:11px 14px;border:2px solid var(--gray-200);border-radius:var(--radius);font-size:1rem;font-family:DM Sans,sans-serif;color:var(--text);background:var(--white);transition:border-color .15s,box-shadow .15s;appearance:none}.form-control:focus{outline:none;border-color:var(--navy-light);box-shadow:0 0 0 3px #1a33601f}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:1rem}@media (max-width: 480px){.form-row{grid-template-columns:1fr}}.input-prefix{position:relative}.input-prefix .prefix{position:absolute;left:12px;top:50%;transform:translateY(-50%);color:var(--gray-400);font-weight:600;pointer-events:none}.input-prefix input{padding-left:28px}.result-box{background:var(--navy);border-radius:var(--radius-lg);padding:1.75rem;color:#fff;position:sticky;top:84px}.result-box h3{color:var(--accent);margin-bottom:1.25rem;font-size:1rem;text-transform:uppercase;letter-spacing:.05em}.result-row{display:flex;justify-content:space-between;align-items:baseline;padding:10px 0;border-bottom:1px solid rgba(255,255,255,.1);font-size:.9rem}.result-row:last-of-type{border-bottom:none}.result-row .label{color:#ffffffa6}.result-row .value{font-weight:600;color:var(--white)}.result-total{background:#c8a84b26;border:1px solid rgba(200,168,75,.35);border-radius:var(--radius);padding:1.25rem;margin-top:1rem;text-align:center}.result-total .total-label{font-size:.8rem;color:#fff9;text-transform:uppercase;letter-spacing:.05em}.result-total .total-amount{font-size:2.25rem;font-weight:700;color:var(--accent-light);font-family:Playfair Display,serif}.result-total .total-note{font-size:.8rem;color:#ffffff80;margin-top:4px}.result-empty{text-align:center;padding:2rem 1rem}.result-empty .empty-icon{font-size:2.5rem;margin-bottom:.75rem;opacity:.5}.result-empty p{color:#ffffff80;font-size:.9rem}.result-box .btn-outline{color:var(--white);border-color:#ffffff4d}.result-box .btn-outline:hover{background:#ffffff1a;border-color:var(--white);color:var(--white)}.info-box{background:var(--white);border-radius:var(--radius-lg);box-shadow:var(--shadow);border:1px solid var(--gray-200);padding:1.5rem;margin-top:1.25rem}.info-box h4{color:var(--navy);font-size:.95rem;margin-bottom:.75rem}.info-box ul{list-style:none}.info-box ul li{padding:6px 0;padding-left:1.25rem;font-size:.875rem;color:var(--text-muted);position:relative;border-bottom:1px solid var(--gray-100)}.info-box ul li:last-child{border-bottom:none}.info-box ul li:before{content:"→";position:absolute;left:0;color:var(--accent);font-weight:700}.alert{border-radius:var(--radius);padding:12px 16px;font-size:.875rem;display:flex;gap:10px;align-items:flex-start;margin-bottom:1.5rem}.alert-info{background:#e8f0fe;border-left:3px solid var(--navy-light);color:var(--navy)}.alert-success{background:var(--success-bg);border-left:3px solid var(--success);color:var(--success)}.alert-warn{background:#fff8e6;border-left:3px solid var(--accent);color:#7a5a00}.footer{background:var(--navy);color:#fff9;padding:3rem 1.5rem 2rem;margin-top:4rem;border-top:3px solid var(--accent)}.footer-inner{max-width:1100px;margin:0 auto}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:2rem;margin-bottom:2rem}@media (max-width: 640px){.footer-grid{grid-template-columns:1fr}}.footer-brand{font-family:Playfair Display,serif;font-size:1.3rem;color:var(--white);margin-bottom:.75rem}.footer-brand span{color:var(--accent)}.footer h4{color:var(--white);font-size:.875rem;text-transform:uppercase;letter-spacing:.06em;margin-bottom:.75rem;font-family:DM Sans,sans-serif}.footer ul{list-style:none}.footer ul li{margin-bottom:6px}.footer ul a{color:#ffffff8c;font-size:.875rem;transition:color .15s}.footer ul a:hover{color:var(--accent)}.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:1.5rem;font-size:.8rem;display:flex;justify-content:space-between;flex-wrap:wrap;gap:.5rem}.disclaimer{background:var(--gray-100);border-radius:var(--radius);padding:1rem 1.25rem;font-size:.8rem;color:var(--gray-600);border-left:3px solid var(--gray-200);margin-top:2rem}.breadcrumb{background:var(--white);border-bottom:1px solid var(--gray-200);padding:12px 1.5rem;font-size:.8rem}.breadcrumb-inner{max-width:1100px;margin:0 auto;display:flex;gap:6px;align-items:center}.breadcrumb a{color:var(--navy-light)}.breadcrumb span{color:var(--gray-400)}.faq-section{max-width:1100px;margin:0 auto;padding:3rem 1.5rem}.faq-section h2{margin-bottom:1.5rem}.faq-item{background:var(--white);border-radius:var(--radius);border:1px solid var(--gray-200);margin-bottom:8px;overflow:hidden}.faq-question{padding:1rem 1.25rem;font-weight:600;font-size:.95rem;color:var(--navy);cursor:pointer;display:flex;justify-content:space-between;align-items:center;list-style:none}.faq-question:after{content:"+";font-size:1.2rem;color:var(--accent)}details[open] .faq-question:after{content:"−"}.faq-answer{padding:0 1.25rem 1rem;font-size:.9rem;color:var(--text-muted);line-height:1.7;border-top:1px solid var(--gray-100)}.seo-content{max-width:1100px;margin:0 auto;padding:0 1.5rem 3rem}.seo-content h2{margin-bottom:1rem}.seo-content p{margin-bottom:1rem;font-size:.95rem}.modal-overlay{position:fixed;inset:0;background:#0f2044cc;backdrop-filter:blur(4px);display:flex;align-items:center;justify-content:center;z-index:3000;opacity:0;visibility:hidden;transition:all .3s ease}.modal-overlay.open{opacity:1;visibility:visible}.modal-card{background:var(--white);padding:2.5rem;border-radius:var(--radius-lg);max-width:450px;width:90%;text-align:center;box-shadow:var(--shadow-lg);transform:translateY(20px);transition:transform .3s ease}.modal-overlay.open .modal-card{transform:translateY(0)}.modal-icon{font-size:3rem;margin-bottom:1rem;display:block}.modal-title{margin-bottom:.75rem;font-size:1.5rem}.modal-text{color:var(--text-muted);margin-bottom:2rem}