:root {
  --navy: #0e2a47;
  --navy-dark: #07182a;
  --accent: #ff7a1a;
  --accent-soft: #fff1e3;
  --bg: #f5f7fb;
  --card: #ffffff;
  --text: #1a2436;
  --muted: #6b7280;
  --border: #e3e7ee;
  --good: #137b4a;
  --shadow: 0 6px 20px rgba(7, 24, 42, 0.08);
}

* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
body {
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.5;
}
a { color: var(--accent); text-decoration: none; }
a:hover { text-decoration: underline; }

.topbar {
  background: var(--navy);
  color: white;
  padding: 14px 28px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  border-bottom: 3px solid var(--accent);
}
.brand { display: flex; align-items: center; gap: 12px; }
.brand-mark {
  width: 40px; height: 40px;
  border-radius: 8px;
  background: var(--accent);
  display: flex; align-items: center; justify-content: center;
  font-weight: 800; letter-spacing: 0.5px;
  font-size: 14px;
}
.brand-text strong { display: block; font-size: 16px; }
.brand-text span { font-size: 12px; opacity: 0.85; }
.topbar nav a {
  color: white;
  margin-left: 22px;
  font-size: 14px;
  opacity: 0.85;
}
.topbar nav a.active { opacity: 1; border-bottom: 2px solid var(--accent); padding-bottom: 4px; }
.topbar nav a:hover { opacity: 1; text-decoration: none; }

.container {
  max-width: 1100px;
  margin: 32px auto;
  padding: 0 24px;
}
.intro h1 {
  font-size: 32px;
  margin: 0 0 12px;
  color: var(--navy);
  letter-spacing: -0.5px;
}
.intro p {
  font-size: 16px;
  color: var(--muted);
  max-width: 720px;
}

.grid {
  margin-top: 28px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}
@media (max-width: 880px) {
  .grid { grid-template-columns: 1fr; }
}

.card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 28px;
  box-shadow: var(--shadow);
}
.card h2 {
  margin: 0 0 18px;
  font-size: 18px;
  color: var(--navy);
}

.form label { display: block; margin-bottom: 16px; font-size: 14px; }
.form label > span { display: block; color: var(--text); font-weight: 600; margin-bottom: 6px; }
.form label small { color: var(--muted); font-weight: 400; }
.form input[type="number"],
.form select {
  width: 100%;
  padding: 10px 12px;
  border: 1px solid var(--border);
  border-radius: 8px;
  background: white;
  font-size: 15px;
  color: var(--text);
}
.form input:focus, .form select:focus {
  outline: none;
  border-color: var(--accent);
  box-shadow: 0 0 0 3px var(--accent-soft);
}

fieldset.inline {
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 10px 14px;
  margin: 0 0 16px;
  display: flex; flex-wrap: wrap; gap: 14px;
}
fieldset.inline legend {
  padding: 0 6px;
  font-size: 13px;
  color: var(--muted);
  font-weight: 600;
}
.radio, .check {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: 14px; cursor: pointer;
}
.radio input, .check input { accent-color: var(--accent); }

.muted { color: var(--muted); font-size: 13px; }

.result .big-number {
  margin: 0;
  color: var(--accent);
  font-size: 44px;
  font-weight: 800;
  letter-spacing: -1px;
}
.result .big-number span { font-variant-numeric: tabular-nums; }
.breakdown {
  width: 100%;
  border-collapse: collapse;
  margin-top: 20px;
  font-size: 14px;
}
.breakdown th, .breakdown td {
  text-align: left;
  padding: 9px 6px;
  border-bottom: 1px solid var(--border);
}
.breakdown th { color: var(--muted); font-weight: 600; font-size: 12px; text-transform: uppercase; letter-spacing: 0.5px; }
.breakdown td:last-child { text-align: right; font-variant-numeric: tabular-nums; }
.breakdown tr.strong td { font-weight: 600; }
.breakdown tr.total td {
  font-weight: 700;
  background: var(--accent-soft);
  color: var(--navy);
}
.ratio { margin-top: 16px; font-size: 14px; color: var(--muted); }

.cta {
  margin-top: 18px;
  width: 100%;
  background: var(--navy);
  color: white;
  border: none;
  padding: 12px;
  border-radius: 8px;
  font-size: 15px;
  font-weight: 600;
  cursor: pointer;
  transition: background 0.15s;
}
.cta:hover { background: var(--navy-dark); }

.about { margin-top: 28px; }
.about ul { padding-left: 20px; color: var(--text); }
.about li { margin-bottom: 6px; }

footer {
  margin-top: 40px;
  padding: 22px 24px;
  background: var(--navy);
  color: rgba(255,255,255,0.75);
  font-size: 13px;
  text-align: center;
}
footer a { color: white; }