:root{--bg:#f6f7fb;--card:#fff;--ink:#14213d;--muted:#5b6478;--brand:#1d4ed8;--brand2:#0ea5a4;--line:#e3e7ef;--ok:#047857;--r:14px}
@media (prefers-color-scheme:dark){:root{--bg:#0d1220;--card:#151c2f;--ink:#e8ecf5;--muted:#a3adc2;--line:#26304a;--brand:#6ea0ff;--ok:#34d399}}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font:16px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;background:var(--bg);color:var(--ink)}
a{color:var(--brand)}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible{outline:3px solid var(--brand2);outline-offset:2px}
.skip{position:absolute;left:-999px}.skip:focus{left:1rem;top:1rem;background:var(--card);padding:.5rem 1rem;z-index:9}
header.top{background:linear-gradient(135deg,#1d4ed8,#0ea5a4);color:#fff}
.wrap{max-width:1040px;margin:0 auto;padding:0 1.1rem}
.nav{display:flex;align-items:center;justify-content:space-between;gap:1rem;padding:.9rem 0;flex-wrap:wrap}
.nav a{color:#fff;text-decoration:none;font-weight:600}.nav .links{display:flex;gap:1rem;flex-wrap:wrap;font-size:.92rem}
.nav .links a{opacity:.9}.nav .links a[aria-current]{opacity:1;text-decoration:underline;text-underline-offset:4px}
.hero{padding:1.6rem 0 2.4rem}.hero h1{margin:0 0 .4rem;font-size:clamp(1.6rem,4vw,2.4rem);line-height:1.2}.hero p{margin:0;opacity:.95;max-width:62ch}
main{padding:0 0 3rem}.grid{display:grid;gap:1.2rem;grid-template-columns:1.05fr 1fr;margin-top:-1.4rem}
@media(max-width:820px){.grid{grid-template-columns:1fr}}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:1.3rem;box-shadow:0 6px 24px rgba(20,33,61,.06)}
.card h2{margin:0 0 1rem;font-size:1.15rem}
label{display:block;font-weight:600;margin:.9rem 0 .35rem;font-size:.95rem}.hint{color:var(--muted);font-weight:400;font-size:.85rem}
input[type=number],select{width:100%;padding:.7rem .8rem;border:1px solid var(--line);border-radius:10px;font:inherit;background:var(--bg);color:var(--ink)}
.money{position:relative}.money span{position:absolute;left:.8rem;top:50%;transform:translateY(-50%);color:var(--muted)}.money input{padding-left:1.7rem}
.check{display:flex;gap:.6rem;align-items:flex-start;font-weight:500;margin:.6rem 0}.check input{width:1.15rem;height:1.15rem;margin-top:.2rem}
fieldset{border:1px solid var(--line);border-radius:10px;padding:.4rem .9rem .7rem;margin:1rem 0 0}legend{font-weight:600;padding:0 .3rem}
.seg{display:flex;gap:.4rem;flex-wrap:wrap}.seg label{margin:0;font-weight:500;border:1px solid var(--line);border-radius:999px;padding:.4rem .9rem;cursor:pointer}
.seg input{position:absolute;opacity:0}.seg input:checked+span{color:var(--brand);font-weight:700}.seg label:has(input:checked){border-color:var(--brand);background:color-mix(in srgb,var(--brand) 10%,transparent)}
.seg label:has(input:focus-visible){outline:3px solid var(--brand2)}
.big{font-size:clamp(2rem,6vw,2.8rem);font-weight:800;color:var(--brand);margin:.2rem 0;line-height:1.1}
.kv{display:grid;grid-template-columns:1fr auto;gap:.45rem 1rem;margin:1rem 0 0;padding:0}.kv dt{color:var(--muted)}.kv dd{margin:0;font-weight:700;text-align:right}
table{width:100%;border-collapse:collapse;margin-top:1rem;font-size:.92rem}th,td{padding:.5rem;border-bottom:1px solid var(--line);text-align:left}td:last-child,th:last-child{text-align:right}
.notes{margin:.8rem 0 0;padding-left:1.1rem;color:var(--ok);font-size:.9rem}
.prose{margin-top:1.4rem}.prose h2{font-size:1.25rem;margin-top:1.6rem}.prose p,.prose li{max-width:72ch}
.disclaimer{font-size:.88rem;color:var(--muted);border-left:4px solid var(--brand2);padding:.6rem .9rem;background:var(--card);border-radius:8px;margin-top:1.4rem}
.tools{display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:1rem;margin-top:-1.4rem}
.tools a{display:block;text-decoration:none;color:var(--ink)}.tools a:hover .card{border-color:var(--brand);transform:translateY(-2px)}.tools .card{transition:.15s;height:100%}
.tools .ico{font-size:1.8rem}.tools h2{margin:.4rem 0}.tools p{margin:0;color:var(--muted);font-size:.93rem}
footer{border-top:1px solid var(--line);padding:1.6rem 0;color:var(--muted);font-size:.9rem;text-align:center}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}