:root{
  --bg:#090b0f;
  --surface:#0f1319;
  --surface-2:#141922;
  --surface-3:#1a202a;
  --text:#f7f8fb;
  --muted:#98a2b3;
  --line:#252c37;
  --accent:#f6c744;
  --accent-2:#ffe98f;
  --danger:#ff7d7d;
  --ok:#69d89c;
  --max:1180px;
  --article:820px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  background:
    radial-gradient(circle at 80% 0%,rgba(246,199,68,.07),transparent 28%),
    linear-gradient(180deg,#090b0f 0%,#0b0e13 55%,#090b0f 100%);
  color:var(--text);
  font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
a{color:inherit}
.wrap{max-width:var(--max);margin:auto;padding:0 24px}
.article-wrap{max-width:var(--article);margin:auto;padding:0 24px}
nav{
  position:sticky;top:0;z-index:50;
  border-bottom:1px solid rgba(255,255,255,.07);
  background:rgba(9,11,15,.82);
  backdrop-filter:blur(18px);
}
.nav{min-height:72px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{font-weight:950;letter-spacing:-.04em;text-decoration:none;font-size:20px}
.brand span{color:var(--accent)}
.nav-links{display:flex;align-items:center;gap:24px;color:#b4bdc9;font-size:14px;font-weight:650}
.nav-links a{text-decoration:none}
.nav-links a:hover{color:#fff}
.nav-btn{
  padding:10px 15px;border-radius:10px;
  color:#111!important;background:var(--accent);
  font-weight:900;box-shadow:0 8px 28px rgba(246,199,68,.15)
}
.hero{padding:96px 0 54px}
.hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:64px;align-items:center}
.eyebrow{
  display:inline-flex;align-items:center;gap:8px;
  color:#f8d767;font-size:12px;font-weight:900;letter-spacing:.12em;text-transform:uppercase
}
.eyebrow:before{content:"";width:28px;height:1px;background:#d4aa2e}
h1{
  margin:18px 0 22px;
  max-width:850px;
  font-size:clamp(46px,6.4vw,78px);
  line-height:.98;letter-spacing:-.065em;
}
.lead{
  max-width:760px;margin:0;
  color:#aeb7c5;font-size:clamp(18px,2vw,22px);line-height:1.55
}
.hero-points{display:flex;gap:18px;flex-wrap:wrap;margin-top:28px;color:#c9d0db;font-size:13px}
.hero-points span{display:flex;align-items:center;gap:8px}
.hero-points span:before{content:"✓";color:var(--ok);font-weight:900}
.hero-panel{
  border:1px solid rgba(255,255,255,.08);
  border-radius:24px;
  background:linear-gradient(180deg,rgba(22,28,37,.97),rgba(13,17,23,.98));
  box-shadow:0 35px 90px rgba(0,0,0,.32);
  overflow:hidden;
}
.panel-top{
  display:flex;align-items:center;justify-content:space-between;
  padding:16px 18px;border-bottom:1px solid var(--line);color:#9ca7b7;font-size:12px
}
.dots{display:flex;gap:6px}.dots i{display:block;width:7px;height:7px;border-radius:50%;background:#3a4350}
.mock{padding:24px}
.mock-row{display:flex;justify-content:space-between;gap:18px;padding:14px 0;border-bottom:1px solid #232a34}
.mock-row:last-child{border-bottom:0}
.mock-label{color:#9ba5b3;font-size:13px}
.mock-value{font-weight:900;text-align:right}
.mock-value.bad{color:var(--danger)}
.mock-value.good{color:var(--ok)}
.mock-value.warn{color:var(--accent)}
.money-total{font-size:34px;font-weight:950;letter-spacing:-.04em;margin:5px 0 16px}
.card{
  background:linear-gradient(180deg,rgba(20,25,34,.98),rgba(13,17,23,.98));
  border:1px solid var(--line);
  border-radius:18px;
}
.section-block{padding:76px 0}
.section-head{display:flex;align-items:end;justify-content:space-between;gap:28px;margin-bottom:28px}
.section-title{margin:0;font-size:clamp(30px,4vw,44px);letter-spacing:-.045em;line-height:1.08}
.section-intro{margin:8px 0 0;color:var(--muted);font-size:17px;max-width:690px}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.link-card{
  display:block;padding:24px;text-decoration:none;
  transition:transform .18s ease,border-color .18s ease,background .18s ease
}
.link-card:hover{transform:translateY(-3px);border-color:#3d4654;background:#141a23}
.kicker{font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:var(--accent);font-weight:950}
.link-card h3{font-size:20px;margin:9px 0 7px;letter-spacing:-.02em}
.link-card p{margin:0;color:var(--muted);font-size:14px}
.btn{
  display:inline-flex;align-items:center;justify-content:center;
  min-height:48px;padding:0 18px;border:0;border-radius:12px;
  background:var(--accent);color:#111;text-decoration:none;font-weight:950;font-size:15px;cursor:pointer
}
.btn:hover{filter:brightness(1.03)}
.btn.secondary{background:#151b24;color:#fff;border:1px solid var(--line)}
.full-btn{width:100%;margin-top:16px}
.app-shell{padding:28px 0 84px}
.app{
  display:grid;grid-template-columns:.82fr 1.18fr;gap:18px;align-items:start
}
.upload{padding:24px;position:sticky;top:94px}
.upload-title{font-size:23px;font-weight:950;letter-spacing:-.035em;margin:0 0 6px}
.upload-sub{margin:0 0 20px;color:var(--muted);font-size:14px}
label{display:block;margin-bottom:8px;font-size:13px;font-weight:850}
input[type=file],input[type=number],input[type=text],input[type=datetime-local],select{
  width:100%;border:1px solid #333c49;background:#0b0f14;color:var(--text);
  border-radius:12px;padding:13px 14px;font:inherit
}
input[type=file]{padding:18px;border-style:dashed}
.hint{margin-top:8px;color:#778292;font-size:12px}
.empty{
  min-height:480px;padding:40px;display:flex;align-items:center;justify-content:center;text-align:center
}
.empty-icon{
  width:70px;height:70px;border-radius:18px;margin:0 auto 18px;
  display:grid;place-items:center;background:#151b24;border:1px solid #2b3340;font-size:30px
}
.empty h2{margin:0 0 8px;font-size:28px;letter-spacing:-.04em}
.empty p{margin:0;color:var(--muted)}
.result{display:none;padding:24px}
.score-row{display:flex;gap:18px;align-items:center;flex-wrap:wrap}
.score{
  width:98px;height:98px;border-radius:24px;display:grid;place-items:center;
  background:#0b0f14;border:1px solid #333c49;font-size:24px;font-weight:950
}
.score-low{box-shadow:inset 0 0 0 2px rgba(105,216,156,.35)}
.score-mid{box-shadow:inset 0 0 0 2px rgba(246,199,68,.35)}
.score-high{box-shadow:inset 0 0 0 2px rgba(255,125,125,.35)}
.result h2{font-size:28px;letter-spacing:-.035em;margin:4px 0}
.result h3{font-size:17px;margin:0 0 10px}
.result-section{margin-top:20px;padding-top:18px;border-top:1px solid var(--line)}
.item{padding:14px 0;border-bottom:1px solid #232a34}
.item:last-child{border-bottom:0}
.item-head{display:flex;justify-content:space-between;gap:18px}
.item-title{font-weight:850}
.amount{font-weight:950;white-space:nowrap}
.danger{color:var(--danger)}.ok{color:var(--ok)}.accent{color:var(--accent)}
.meta{margin-top:5px;color:var(--muted);font-size:13px}
.source{margin-top:6px;color:#6f7a8a;font-size:11px}
.phase{margin-top:14px}.phase-title{font-size:11px;color:#8eb3ff;font-weight:950;text-transform:uppercase;letter-spacing:.12em}
.action{padding:10px 0;border-bottom:1px solid #222933}.action:last-child{border-bottom:0}
.deadline{margin-top:3px;color:var(--accent);font-size:12px}
.loading,.error{display:none;margin-top:14px;border-radius:12px;padding:13px}
.loading{background:#10151c;border:1px solid var(--line)}
.error{background:#251517;border:1px solid #5a2b31;color:#ffb8b8}
.bar{height:5px;background:#1c232d;border-radius:999px;overflow:hidden;margin-top:10px}
.bar span{display:block;width:35%;height:100%;background:var(--accent);animation:move 1.1s linear infinite}
@keyframes move{from{transform:translateX(-120%)}to{transform:translateX(320%)}}
.trust-bar{padding:18px 0 0;color:#7f8a9a;font-size:12px}
.trust-bar .wrap{display:flex;gap:24px;flex-wrap:wrap}
.trust-bar strong{color:#cfd6df}
.cta-strip{
  display:flex;align-items:center;justify-content:space-between;gap:20px;
  padding:22px 24px;margin:32px 0;border-radius:18px;
  border:1px solid #4a411d;background:linear-gradient(180deg,#1a170c,#121109)
}
.cta-strip h3{margin:0 0 4px;font-size:21px}.cta-strip p{margin:0;color:#a8a28b}
.breadcrumbs{padding-top:26px;color:#738091;font-size:13px}
.breadcrumbs a{text-decoration:none}
.article-hero{padding:62px 0 28px}
.article-hero h1{font-size:clamp(42px,5.7vw,64px)}
.article{padding:12px 0 80px}
.article h2{margin:42px 0 12px;font-size:30px;line-height:1.16;letter-spacing:-.035em}
.article h3{margin:28px 0 8px;font-size:21px}
.article p,.article li{font-size:17px;color:#d0d6df}
.article ul,.article ol{padding-left:23px}
.faq details{padding:16px 0;border-top:1px solid var(--line)}
.faq summary{font-weight:900;cursor:pointer}
.faq p{color:var(--muted)}
.ref-links{margin-top:30px;color:var(--muted);font-size:13px}
.ref-links a{color:#bbc5d1}
.calc-layout{display:grid;grid-template-columns:1fr .85fr;gap:18px;margin:24px 0 46px}
.calc-form{padding:24px;display:grid;gap:14px}
.calc-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.calc-result{padding:24px;position:sticky;top:94px;height:max-content}
.result-number{font-size:46px;font-weight:950;letter-spacing:-.05em;color:var(--accent);margin:7px 0 12px}
.stat-row{display:flex;justify-content:space-between;gap:14px;padding:11px 0;border-top:1px solid var(--line)}
.tool-note{font-size:12px;color:var(--muted)}
footer{padding:42px 0;border-top:1px solid var(--line);color:#7f8997;font-size:13px}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:30px}
.footer-grid h4{color:#dfe4ec;margin:0 0 10px}
.footer-grid a{display:block;text-decoration:none;margin:7px 0}
@media(max-width:900px){
  .hero-grid,.app,.calc-layout{grid-template-columns:1fr}
  .hero{padding-top:64px}
  .upload,.calc-result{position:static}
  .grid{grid-template-columns:1fr 1fr}
}
@media(max-width:640px){
  .wrap,.article-wrap{padding-left:18px;padding-right:18px}
  .nav-links a:not(.nav-btn){display:none}
  .hero{padding:52px 0 34px}
  h1{font-size:43px}
  .grid,.grid-2,.footer-grid,.calc-row{grid-template-columns:1fr}
  .section-block{padding:56px 0}
  .section-head{align-items:flex-start;flex-direction:column}
  .cta-strip{align-items:flex-start;flex-direction:column}
  .hero-panel{margin-top:8px}
}