@font-face {
  font-family: Inter;
  font-style: normal;
  font-weight: 100 900;
  font-display: swap;
  src: url(/fonts/inter.woff2) format("woff2");
}

:root {
  --navy: #1b1849;
  --navy-2: #2a2666;
  --bg: #efefef;
  --surface: #ffffff;
  --text: #1b1849;
  --muted: #5b5878;
  --line: #d9d8e4;
  --accent: #d81c27;
  --accent-dark: #b3141e;
  --soft: #f6f6fb;
  --ok: #0f7a4a;
  --radius: 12px;
  --shadow: 0 10px 30px rgba(27, 24, 73, 0.08);
  --wrap: 1120px;
  --font: Inter, system-ui, -apple-system, Segoe UI, Roboto, sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font);
  color: var(--text);
  background: var(--bg);
  line-height: 1.55;
  font-size: 16px;
}
img { max-width: 100%; display: block; height: auto; }
a { color: var(--navy); text-decoration: none; }
a:hover { color: var(--accent); }
.wrap { width: min(100% - 32px, var(--wrap)); margin-inline: auto; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 40;
  background: var(--navy);
  color: #fff;
  box-shadow: 0 2px 12px rgba(0,0,0,.18);
}
.header-top {
  display: flex;
  align-items: center;
  gap: 16px;
  min-height: 72px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  color: #fff;
  margin-right: auto;
}
.brand:hover { color: #fff; }
.brand-mark {
  width: 42px;
  height: 42px;
  border-radius: 10px;
  background: var(--accent);
  display: grid;
  place-items: center;
  font-weight: 800;
  font-size: 22px;
}
.brand-mark.sm { width: 34px; height: 34px; font-size: 18px; }
.brand-text { display: flex; flex-direction: column; line-height: 1.15; }
.brand-text strong { font-size: 18px; letter-spacing: .2px; }
.brand-text small { color: rgba(255,255,255,.72); font-size: 12px; }

.main-nav {
  display: flex;
  gap: 8px;
  align-items: center;
  flex-wrap: wrap;
}
.main-nav a {
  color: rgba(255,255,255,.92);
  padding: 8px 12px;
  border-radius: 999px;
  font-weight: 600;
  font-size: 14px;
}
.main-nav a:hover { background: rgba(255,255,255,.1); color: #fff; }

.nav-toggle {
  display: none;
  width: 44px;
  height: 44px;
  border: 0;
  background: transparent;
  padding: 10px;
  cursor: pointer;
}
.nav-toggle span {
  display: block;
  height: 2px;
  background: #fff;
  margin: 6px 0;
  border-radius: 2px;
}

.nav-rail {
  background: var(--navy-2);
  border-top: 1px solid rgba(255,255,255,.08);
}
.nav-rail-inner {
  display: flex;
  gap: 4px;
  overflow-x: auto;
  padding: 8px 0;
  scrollbar-width: none;
}
.nav-rail-inner::-webkit-scrollbar { display: none; }
.nav-rail a {
  color: rgba(255,255,255,.88);
  white-space: nowrap;
  padding: 8px 12px;
  border-radius: 8px;
  font-size: 13px;
  font-weight: 600;
}
.nav-rail a:hover { background: rgba(255,255,255,.1); color: #fff; }

.hero {
  padding: 36px 0 18px;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.35fr .9fr;
  gap: 20px;
}
.hero-card, .panel, .article-card, .calc-card, .guide-card, .stat-card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}
.hero-main {
  overflow: hidden;
  display: grid;
  grid-template-columns: 1.1fr .9fr;
  min-height: 340px;
}
.hero-copy {
  padding: 28px 28px 24px;
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.kicker {
  display: inline-flex;
  align-self: flex-start;
  background: rgba(216,28,39,.1);
  color: var(--accent);
  font-weight: 700;
  font-size: 12px;
  letter-spacing: .04em;
  text-transform: uppercase;
  padding: 6px 10px;
  border-radius: 999px;
}
.hero h1 {
  margin: 0;
  font-size: clamp(28px, 3.4vw, 40px);
  line-height: 1.15;
  letter-spacing: -.02em;
}
.lead { margin: 0; color: var(--muted); font-size: 17px; }
.hero-actions { display: flex; gap: 10px; flex-wrap: wrap; margin-top: auto; }
.hero-media { position: relative; min-height: 240px; background: #dfe2ef; }
.hero-media img { width: 100%; height: 100%; object-fit: cover; position: absolute; inset: 0; }

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  padding: 0 18px;
  border-radius: 10px;
  border: 1px solid transparent;
  font-weight: 700;
  font-size: 15px;
  cursor: pointer;
  font-family: inherit;
}
.btn-primary { background: var(--accent); color: #fff; }
.btn-primary:hover { background: var(--accent-dark); color: #fff; }
.btn-ghost {
  background: transparent;
  color: var(--text);
  border-color: var(--line);
}
.btn-ghost:hover { border-color: var(--navy); color: var(--navy); }
.btn-light {
  background: #fff;
  color: var(--navy);
  border-color: #fff;
}
.btn-light:hover { background: var(--soft); color: var(--navy); }

.hero-side { display: grid; gap: 14px; }
.side-feature {
  overflow: hidden;
  display: grid;
  grid-template-rows: 140px auto;
}
.side-feature img { width: 100%; height: 140px; object-fit: cover; }
.side-feature .body { padding: 16px 18px 18px; }
.side-feature h2, .side-feature h3 { margin: 0 0 8px; font-size: 18px; line-height: 1.25; }
.side-feature p { margin: 0; color: var(--muted); font-size: 14px; }

.section { padding: 18px 0 8px; }
.section-head {
  display: flex;
  align-items: end;
  justify-content: space-between;
  gap: 16px;
  margin-bottom: 14px;
}
.section-head h2 {
  margin: 0;
  font-size: 24px;
  letter-spacing: -.02em;
}
.section-head p { margin: 4px 0 0; color: var(--muted); }
.section-head a { font-weight: 700; color: var(--accent); }

.stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 12px;
}
.stat-card { padding: 18px; }
.stat-card strong {
  display: block;
  font-size: 28px;
  letter-spacing: -.03em;
  margin-bottom: 4px;
}
.stat-card span { color: var(--muted); font-size: 14px; }

.topics {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
}
.topic-card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 18px;
  box-shadow: var(--shadow);
  display: flex;
  flex-direction: column;
  gap: 10px;
  min-height: 170px;
}
.topic-card .icon {
  width: 42px;
  height: 42px;
  border-radius: 10px;
  background: var(--soft);
  display: grid;
  place-items: center;
  font-weight: 800;
  color: var(--accent);
}
.topic-card h3 { margin: 0; font-size: 18px; }
.topic-card p { margin: 0; color: var(--muted); flex: 1; }

.calc-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 12px;
}
.calc-card {
  padding: 16px;
  display: flex;
  flex-direction: column;
  gap: 10px;
  min-height: 168px;
}
.calc-card h3 { margin: 0; font-size: 16px; line-height: 1.3; }
.calc-card p { margin: 0; color: var(--muted); font-size: 14px; flex: 1; }
.calc-card .linkish {
  color: var(--accent);
  font-weight: 700;
  font-size: 14px;
}

.articles {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 14px;
}
.article-card { overflow: hidden; display: flex; flex-direction: column; }
.article-card.featured { grid-row: span 2; }
.article-card img { width: 100%; aspect-ratio: 16/10; object-fit: cover; background: #dde1ef; }
.article-card.featured img { aspect-ratio: 16/11; min-height: 240px; }
.article-card .body { padding: 16px 18px 18px; display: flex; flex-direction: column; gap: 8px; flex: 1; }
.meta {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
  color: var(--muted);
  font-size: 12px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .04em;
}
.meta .tag { color: var(--accent); }
.article-card h3 { margin: 0; font-size: 18px; line-height: 1.3; }
.article-card.featured h3 { font-size: 26px; letter-spacing: -.02em; }
.article-card p { margin: 0; color: var(--muted); font-size: 14px; }

.guides {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
}
.guide-card { overflow: hidden; }
.guide-card img { width: 100%; height: 160px; object-fit: cover; }
.guide-card .body { padding: 16px 18px 18px; }
.guide-card h3 { margin: 0 0 8px; font-size: 18px; }
.guide-card p { margin: 0; color: var(--muted); font-size: 14px; }

.cta-band {
  margin: 22px 0 10px;
  background: linear-gradient(135deg, var(--navy), #3a3480);
  color: #fff;
  border-radius: 16px;
  padding: 28px;
  display: grid;
  grid-template-columns: 1.4fr auto;
  gap: 18px;
  align-items: center;
}
.cta-band h2 { margin: 0 0 8px; font-size: 28px; }
.cta-band p { margin: 0; color: rgba(255,255,255,.82); }

.page {
  padding: 28px 0 48px;
}
.page-card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 28px;
  max-width: 860px;
}
.page-card h1 { margin: 0 0 12px; font-size: 32px; }
.page-card h2 { margin: 28px 0 10px; font-size: 22px; }
.page-card p, .page-card li { color: var(--muted); }
.page-card ul { padding-left: 18px; }
.form-grid { display: grid; gap: 12px; max-width: 520px; }
label { display: grid; gap: 6px; font-weight: 600; color: var(--text); }
input, textarea {
  width: 100%;
  border: 1px solid var(--line);
  border-radius: 10px;
  padding: 12px 14px;
  font: inherit;
  background: #fff;
}
textarea { min-height: 140px; resize: vertical; }
.form-note { color: var(--ok); font-weight: 700; display: none; }
.form-note.show { display: block; }

.site-footer {
  margin-top: 36px;
  background: var(--navy);
  color: rgba(255,255,255,.86);
  padding: 36px 0 18px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr .8fr .8fr;
  gap: 28px;
  padding-bottom: 24px;
  border-bottom: 1px solid rgba(255,255,255,.1);
}
.brand-inline { display: flex; align-items: center; gap: 10px; margin-bottom: 12px; color: #fff; }
.footer-brand p { margin: 0 0 12px; color: rgba(255,255,255,.72); }
.footer-nap { font-size: 14px; }
.footer-nap a { color: #fff; }
.footer-col h4 { margin: 0 0 12px; color: #fff; font-size: 15px; }
.footer-col ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 8px; }
.footer-col a { color: rgba(255,255,255,.78); font-size: 14px; }
.footer-col a:hover { color: #fff; }
.footer-bottom {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  flex-wrap: wrap;
  padding-top: 16px;
  font-size: 13px;
  color: rgba(255,255,255,.55);
}

.cookie-banner {
  position: fixed;
  left: 16px;
  right: 16px;
  bottom: 16px;
  z-index: 60;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 14px;
  box-shadow: 0 18px 50px rgba(27,24,73,.22);
  padding: 16px 18px;
  display: none;
  gap: 14px;
  align-items: center;
  justify-content: space-between;
  max-width: 920px;
  margin: 0 auto;
}
.cookie-banner.show { display: flex; }
.cookie-banner p { margin: 0; color: var(--muted); font-size: 14px; }
.cookie-banner a { color: var(--accent); font-weight: 700; }
.cookie-actions { display: flex; gap: 8px; flex-shrink: 0; }

@media (max-width: 980px) {
  .hero-grid, .hero-main, .articles, .guides, .topics, .stats, .calc-grid, .footer-grid, .cta-band {
    grid-template-columns: 1fr 1fr;
  }
  .article-card.featured { grid-column: span 2; grid-row: auto; }
  .stats, .calc-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 760px) {
  .nav-toggle { display: block; }
  .main-nav {
    display: none;
    position: absolute;
    left: 0; right: 0; top: 72px;
    background: var(--navy);
    padding: 12px 16px 18px;
    border-bottom: 1px solid rgba(255,255,255,.08);
    flex-direction: column;
    align-items: stretch;
  }
  .main-nav.open { display: flex; }
  .hero-grid, .hero-main, .articles, .guides, .topics, .stats, .calc-grid, .footer-grid, .cta-band {
    grid-template-columns: 1fr;
  }
  .article-card.featured { grid-column: auto; }
  .cookie-banner { flex-direction: column; align-items: stretch; }
  .cookie-actions .btn { flex: 1; }
  .hero-copy { padding: 22px 20px; }
  .page-card { padding: 22px 18px; }
}