:root {
  --navy: #0f2c59;
  --blue: #1a4a8a;
  --accent: #2e7d32;
  --light: #f8f9fa;
  --gray: #5a6570;
  --border: #e0e4e8;
}
* { box-sizing: border-box; margin: 0; padding: 0; }
body { font-family: system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif; line-height: 1.6; color: #222; background: #fff; }
.container { max-width: 1100px; margin: 0 auto; padding: 0 1.5rem; }
header { background: var(--navy); color: white; position: sticky; top: 0; z-index: 100; box-shadow: 0 2px 8px rgba(0,0,0,0.1); }
nav { display: flex; justify-content: space-between; align-items: center; padding: 1rem 0; }
.logo a { color: white; text-decoration: none; font-size: 1.5rem; font-weight: 700; }
.logo span { color: #a8d5ff; }
nav ul { display: flex; list-style: none; gap: 1.5rem; }
nav a { color: white; text-decoration: none; font-weight: 500; }
nav a:hover { text-decoration: underline; }
.hero { background: linear-gradient(135deg, var(--navy), var(--blue)); color: white; padding: 4rem 0 3rem; text-align: center; }
.hero h1 { font-size: 2.4rem; margin-bottom: 0.5rem; }
.subtitle { font-size: 1.25rem; opacity: 0.9; margin-bottom: 1rem; }
.disclaimer-banner { background: rgba(255,255,255,0.15); border: 1px solid rgba(255,255,255,0.3); padding: 0.75rem 1rem; border-radius: 8px; margin-top: 1.5rem; font-size: 0.95rem; max-width: 700px; margin-left: auto; margin-right: auto; }
.section { padding: 4rem 0; }
.section.alt { background: var(--light); }
h2 { font-size: 2rem; color: var(--navy); margin-bottom: 1.5rem; text-align: center; }
.card-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 1.5rem; margin-top: 1.5rem; }
.card { background: white; border: 1px solid var(--border); border-radius: 10px; padding: 1.5rem; box-shadow: 0 2px 6px rgba(0,0,0,0.05); }
.card h3 { color: var(--blue); margin-bottom: 0.75rem; }
.card a { color: var(--blue); text-decoration: none; }
.card a:hover { text-decoration: underline; }
.page-content { padding: 3rem 0 4rem; }
.page-content h1 { color: var(--navy); margin-bottom: 0.5rem; }
.lead { font-size: 1.15rem; color: var(--gray); margin-bottom: 1.5rem; }
.disclaimer { background: #fff8e1; border-left: 4px solid #f9a825; padding: 0.75rem 1rem; margin: 1.5rem 0; border-radius: 4px; font-size: 0.95rem; }
.table-wrapper { overflow-x: auto; margin-top: 1rem; }
table { width: 100%; border-collapse: collapse; background: white; border-radius: 8px; overflow: hidden; }
th, td { padding: 0.85rem 1rem; text-align: left; border-bottom: 1px solid var(--border); }
th { background: var(--navy); color: white; }
.calculator { background: white; border: 1px solid var(--border); padding: 1.5rem; border-radius: 10px; max-width: 500px; margin: 1.5rem 0; }
.calculator label { display: block; margin: 0.75rem 0 0.25rem; font-weight: 500; }
.calculator input { width: 100%; padding: 0.5rem; border: 1px solid var(--border); border-radius: 4px; font-size: 1rem; }
.result { margin-top: 1rem; padding: 1rem; background: #e8f5e9; border-radius: 6px; }
.btn { background: var(--accent); color: white; border: none; padding: 0.6rem 1.2rem; border-radius: 6px; cursor: pointer; font-size: 0.95rem; margin-top: 0.75rem; }
footer { background: var(--navy); color: white; padding: 2rem 0; text-align: center; font-size: 0.9rem; }
@media (max-width: 700px) { nav ul { display: none; } .hero h1 { font-size: 1.8rem; } }