:root{
  --navy:#0f1b2d; --navy2:#16263d; --amber:#f5a623; --amber2:#ffbe4d;
  --ink:#1c2430; --paper:#f4f6f9; --card:#ffffff; --line:#d9e0ea;
  --muted:#5b6675; --steel:#2c4a6e;
}
*{box-sizing:border-box}
html,body{width:100%;overflow-x:hidden;margin:0}
body{font-family:"Segoe UI",system-ui,-apple-system,Roboto,Arial,sans-serif;
  color:var(--ink);background:var(--paper);line-height:1.65;font-size:17px}
.wrap{max-width:1080px;margin:0 auto;padding:0 22px}
a{color:#12467a}
img{max-width:100%;height:auto;display:block}
h1{font-size:2rem;line-height:1.2;margin:.2em 0 .5em;color:var(--navy)}
h2{font-size:1.4rem;margin:1.6em 0 .5em;color:var(--navy2);
  border-left:4px solid var(--amber);padding-left:.5rem}
p{margin:0 0 1rem}
/* header */
.site-head{background:var(--navy);position:sticky;top:0;z-index:50;
  box-shadow:0 2px 10px rgba(0,0,0,.25)}
.head-row{display:flex;align-items:center;gap:1rem;min-height:62px;
  flex-wrap:nowrap}
.brand-logo{color:#fff;font-weight:800;font-size:1.2rem;text-decoration:none;
  letter-spacing:.3px;white-space:nowrap}
.nav-wrap{display:flex;align-items:center;gap:1rem;margin-left:auto;
  flex-wrap:nowrap}
.nav-main ul{display:flex;gap:.35rem;list-style:none;margin:0;padding:0;
  flex-wrap:nowrap}
.nav-main a{color:#d7e0ec;text-decoration:none;font-size:.92rem;
  padding:.4rem .5rem;border-radius:6px;white-space:nowrap}
.nav-main a:hover,.nav-main a.active{color:#fff;background:var(--navy2)}
.cta-head{background:var(--amber);color:#20140a;font-weight:700;
  padding:.5rem .85rem;border-radius:8px;text-decoration:none;white-space:nowrap}
.cta-head:hover{background:var(--amber2)}
.burger{display:none;margin-left:auto;background:none;border:0;cursor:pointer;
  width:40px;height:40px;flex-direction:column;justify-content:center;gap:5px}
.burger span{display:block;height:3px;background:#fff;border-radius:2px}
/* crumbs */
.crumbs{background:#e7ecf3;font-size:.85rem;border-bottom:1px solid var(--line)}
.crumbs .wrap{padding-top:.5rem;padding-bottom:.5rem}
.crumbs a{color:#12467a;text-decoration:none}
.crumbs .sep{color:#94a1b3}
/* main */
main{padding:1.5rem 0 2.5rem}
.hero-shot{margin:0 0 1.2rem;border-radius:12px;overflow:hidden;
  box-shadow:0 8px 24px rgba(15,27,45,.18)}
.hero-shot img{width:100%;height:auto}
.lede{font-size:1.12rem;color:#33414f;font-weight:500;
  background:#fff;border:1px solid var(--line);border-left:4px solid var(--amber);
  padding:1rem 1.1rem;border-radius:8px}
.content-list{background:var(--card);border:1px solid var(--line);
  border-radius:10px;padding:1rem 1.2rem 1rem 2.2rem;margin:0 0 1.2rem}
.content-list li{margin:.4rem 0}
.table-scroll{overflow-x:auto;margin:0 0 1.3rem;border-radius:10px;
  border:1px solid var(--line)}
table{border-collapse:collapse;width:100%;background:var(--card);min-width:420px}
th,td{padding:.7rem .9rem;text-align:left;border-bottom:1px solid var(--line)}
th{background:var(--navy);color:#fff;font-size:.9rem}
tbody tr:nth-child(even){background:#f0f4f9}
/* faq */
.faq{margin-top:2rem}
.faq details{background:var(--card);border:1px solid var(--line);
  border-radius:8px;margin:.5rem 0;padding:.2rem .4rem}
.faq summary{cursor:pointer;font-weight:700;padding:.7rem .6rem;color:var(--navy2)}
.faq details[open] summary{color:var(--amber)}
.faq details p{padding:0 .6rem .8rem}
/* calculator */
.calc{background:var(--navy);color:#eef3f9;border-radius:12px;padding:1.2rem 1.3rem;
  margin:2rem 0}
.calc h2{color:#fff;border-left-color:var(--amber);margin-top:0}
.calc .lede{background:rgba(255,255,255,.08);color:#eef3f9;border-color:rgba(255,255,255,.2)}
.calc-row{display:flex;gap:1rem;align-items:end;flex-wrap:wrap}
.calc-row label{display:flex;flex-direction:column;font-size:.85rem;gap:.3rem}
.calc-row input{padding:.5rem;border-radius:6px;border:1px solid #33465f;
  background:#0b1626;color:#fff;width:120px;font-size:1rem}
#cOut{font-size:1.6rem;font-weight:800;color:var(--amber2);padding:.2rem 0}
/* spin cta */
.spin{background:linear-gradient(135deg,#16263d,#22344f);color:#eef3f9;
  border-radius:12px;padding:1.4rem;margin:2rem 0;text-align:center;
  border:1px solid #2c4a6e}
.spin h2{color:#fff;border:0;padding:0;margin-top:0}
.spin p{color:#d3ddea}
.cta-btn{display:inline-block;background:var(--amber);color:#20140a;
  font-weight:800;padding:.8rem 1.6rem;border-radius:10px;text-decoration:none;
  margin-top:.5rem}
.cta-btn:hover{background:var(--amber2)}
/* to top */
.to-top{position:fixed;right:16px;bottom:16px;width:44px;height:44px;
  border-radius:50%;border:0;background:var(--navy);color:#fff;font-size:1.2rem;
  cursor:pointer;opacity:0;pointer-events:none;transition:opacity .25s;z-index:40}
.to-top.show{opacity:.92;pointer-events:auto}
/* footer */
.site-foot{background:var(--navy);color:#c4cfdd;margin-top:2rem;padding:1.6rem 0 2rem}
.site-foot a{color:#ffd489;text-decoration:none}
.foot-nav{margin:.3rem 0;font-size:.9rem}
.foot-note{font-size:.8rem;color:#8b98a8;margin-top:.8rem}
/* mobile */
@media(max-width:820px){
  .burger{display:flex}
  .nav-wrap{position:absolute;top:62px;left:0;right:0;background:var(--navy2);
    flex-direction:column;align-items:stretch;gap:0;padding:.5rem 22px 1rem;
    display:none;margin-left:0}
  .nav-wrap.open{display:flex}
  .nav-main ul{flex-direction:column;gap:0}
  .nav-main a{display:block;padding:.7rem .3rem;border-bottom:1px solid #24374f}
  .cta-head{text-align:center;margin-top:.6rem}
  h1{font-size:1.6rem}
  body{font-size:16px}
}