:root{--ink:#17171b;--muted:#676772;--paper:#fbfaf8;--white:#fff;--red:#e51f2a;--red2:#b80f1b;--line:#e8e5e1;--cream:#f2eee8;--radius:18px;--shadow:0 14px 40px rgba(22,20,18,.08)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:Arial,"Helvetica Neue",sans-serif;line-height:1.65}.wrap{width:min(1120px,calc(100% - 40px));margin:auto}.skip{position:absolute;left:-999px}.skip:focus{left:20px;top:10px;background:#fff;padding:10px;z-index:99}.site-header{position:sticky;top:0;z-index:20;background:rgba(251,250,248,.94);border-bottom:1px solid var(--line);backdrop-filter:blur(12px)}.nav{min-height:76px;display:flex;align-items:center;justify-content:space-between}.brand{display:inline-flex;align-items:center;gap:11px;color:var(--ink);text-decoration:none;line-height:.85;letter-spacing:.04em}.brand span:last-child{display:grid}.brand b{font-size:.78rem;letter-spacing:.18em}.brand 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a{color:#fff}.content-page{max-width:820px;padding:55px 0 80px}.content-page h2{margin-top:2em}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}.field{display:grid;gap:7px}.field.full{grid-column:1/-1}label{font-weight:700}input,select,textarea{width:100%;padding:13px;border:1px solid #ccc6be;border-radius:10px;background:#fff;font:inherit}.calculator{display:grid;grid-template-columns:1fr .85fr;gap:30px;align-items:start}.calculator-form,.result{background:#fff;border:1px solid var(--line);border-radius:20px;padding:28px}.result{background:#1e1d21;color:#fff;position:sticky;top:105px}.result .number{font-size:2.5rem;font-weight:900;color:#ff777f}.fine{font-size:.84rem;color:var(--muted)}.result .fine{color:#bbb8c0}.site-footer{background:#19181c;color:#ddd;padding:64px 0 20px}.footer-grid{display:grid;grid-template-columns:2fr repeat(3,1fr);gap:50px}.site-footer h2{font-size:.9rem;text-transform:uppercase;letter-spacing:.12em;color:#fff}.site-footer a{display:block;color:#c8c6cc;text-decoration:none;margin:8px 0}.brand-light{color:#fff}.legal-line{border-top:1px solid #343238;margin-top:40px;padding-top:20px;display:flex;justify-content:space-between;color:#96939d;font-size:.82rem}@media(max-width:820px){.menu-button{display:block;background:none;border:1px solid var(--line);padding:8px 12px;border-radius:8px}.nav nav{display:none;position:absolute;top:76px;left:0;right:0;background:var(--paper);padding:22px 20px;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch}.nav nav.open{display:flex}.hero-grid,.article-layout,.calculator{grid-template-columns:1fr}.hero{padding-top:62px}.cards{grid-template-columns:1fr 1fr}.sidebar,.result{position:static}.footer-grid{grid-template-columns:1fr 1fr}.form-grid{grid-template-columns:1fr}.field.full{grid-column:auto}}@media(max-width:560px){.cards,.footer-grid{grid-template-columns:1fr}.section{padding:55px 0}.section-head,.legal-line{align-items:start;flex-direction:column}.hero-card{transform:none}h1{font-size:2.7rem}}