:root{
  --bg:#f6f8fb;
  --card:#ffffff;
  --text:#142033;
  --muted:#64748b;
  --line:#e2e8f0;
  --brand:#0f766e;
  --brand2:#14b8a6;
  --brandDark:#115e59;
  --soft:#ccfbf1;
  --accent:#f59e0b;
  --red:#dc2626;
  --shadow:0 14px 40px rgba(15,23,42,.08);
  --radius:18px;
  --max:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;background:var(--bg);color:var(--text);line-height:1.65}
a{color:inherit;text-decoration:none}
.topbar{background:#082f2b;color:#d1fae5;text-align:center;font-size:14px;padding:8px 16px}
.navbar{position:sticky;top:0;z-index:99;background:rgba(255,255,255,.94);backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}
.nav-inner{max-width:var(--max);margin:0 auto;padding:14px 20px;display:flex;align-items:center;justify-content:space-between;gap:18px}
.logo{display:flex;align-items:center;gap:10px;font-weight:900;font-size:21px;letter-spacing:-.04em}
.logo-mark{width:38px;height:38px;border-radius:12px;background:linear-gradient(135deg,var(--brand),var(--brand2));color:#fff;display:grid;place-items:center;box-shadow:0 10px 24px rgba(20,184,166,.3)}
.nav-links{display:flex;align-items:center;gap:16px;font-size:14px;color:#334155}
.nav-links a:hover{color:var(--brand)}
.nav-cta{background:var(--brand);color:#fff!important;padding:9px 14px;border-radius:999px;font-weight:800}
.hero{background:radial-gradient(circle at top left,rgba(20,184,166,.22),transparent 34%),linear-gradient(180deg,#fff 0%,#f8fafc 100%);border-bottom:1px solid var(--line)}
.hero-inner{max-width:var(--max);margin:0 auto;padding:62px 20px 38px;display:grid;grid-template-columns:1.02fr .98fr;gap:34px;align-items:center}
.eyebrow{display:inline-flex;align-items:center;gap:8px;background:var(--soft);color:var(--brandDark);padding:7px 12px;border-radius:999px;font-size:13px;font-weight:900;margin-bottom:16px}
h1,h2,h3,h4{line-height:1.18;margin:0 0 14px;letter-spacing:-.04em}
h1{font-size:clamp(38px,5.2vw,66px)}
h2{font-size:clamp(28px,3vw,42px)}
h3{font-size:23px}
p{margin:0 0 16px}
.hero-text{color:#475569;font-size:18px;max-width:680px}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:24px}
.btn{border:0;border-radius:999px;padding:13px 18px;font-weight:900;cursor:pointer;display:inline-flex;align-items:center;justify-content:center;gap:8px;font-size:15px;transition:.15s ease}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:var(--brand);color:#fff;box-shadow:0 12px 24px rgba(15,118,110,.24)}
.btn-primary:hover{background:var(--brandDark)}
.btn-secondary{background:#fff;color:var(--text);border:1px solid var(--line)}
.hero-mini{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:28px}
.mini-card,.card,.content-card,.calculator-card,details{background:var(--card);border:1px solid var(--line);box-shadow:0 8px 28px rgba(15,23,42,.05)}
.mini-card{border-radius:16px;padding:16px}
.mini-card strong{display:block;font-size:20px;color:var(--brandDark);margin-bottom:2px}
.mini-card span{color:var(--muted);font-size:13px}
.calculator-card{border-radius:24px;padding:24px;box-shadow:var(--shadow)}
.calculator-card h2{font-size:27px;margin-bottom:6px}
.form-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin-top:18px}
.field{display:flex;flex-direction:column;gap:7px}
.field.full{grid-column:1/-1}
label{font-weight:900;font-size:13px;color:#334155}
input,select,textarea{width:100%;border:1px solid #cbd5e1;border-radius:13px;padding:12px 13px;font-size:15px;background:#fff;color:var(--text);outline:none;font-family:inherit}
textarea{min-height:130px;resize:vertical}
input:focus,select:focus,textarea:focus{border-color:var(--brand);box-shadow:0 0 0 4px rgba(20,184,166,.14)}
.helper{color:var(--muted);font-size:12px;margin-top:-2px}
.result-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:18px}
.result-box{background:#f8fafc;border:1px solid var(--line);border-radius:16px;padding:14px}
.result-box span{display:block;color:var(--muted);font-size:12px;font-weight:900;text-transform:uppercase;letter-spacing:.04em}
.result-box strong{display:block;font-size:22px;margin-top:4px;color:var(--brandDark);letter-spacing:-.04em}
.alert{margin-top:14px;background:#fffbeb;border:1px solid #fde68a;color:#92400e;border-radius:14px;padding:12px 14px;font-size:13px}
.bar-wrap{margin-top:16px;background:#f1f5f9;border-radius:999px;overflow:hidden;height:13px;display:flex}
.bar-principal{background:var(--brand);height:100%;width:70%}
.bar-interest{background:var(--accent);height:100%;width:30%}
.legend{display:flex;flex-wrap:wrap;gap:14px;margin-top:10px;font-size:12px;color:var(--muted)}
.dot{width:10px;height:10px;border-radius:50%;display:inline-block;margin-right:6px}
.dot-principal{background:var(--brand)}
.dot-interest{background:var(--accent)}
.section{max-width:var(--max);margin:0 auto;padding:58px 20px}
.section.tight{padding-top:34px}
.section-head{max-width:820px;margin-bottom:24px}
.section-head p{color:var(--muted);font-size:17px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.card{border-radius:var(--radius);padding:22px}
.card-icon{width:44px;height:44px;border-radius:14px;display:grid;place-items:center;background:var(--soft);color:var(--brandDark);font-size:22px;margin-bottom:14px}
.card p,.content-card p,.content-card li{color:#475569}
.content-card{border-radius:var(--radius);padding:28px;margin-bottom:20px}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.formula{background:#0f172a;color:#e2e8f0;border-radius:16px;padding:18px;overflow-x:auto;font-family:"Courier New",monospace;font-size:14px;margin:18px 0}
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:16px;background:#fff;margin-top:14px}
table{width:100%;border-collapse:collapse;min-width:680px}
th,td{padding:13px 14px;border-bottom:1px solid var(--line);text-align:left;font-size:14px}
th{background:#f8fafc;color:#334155;font-weight:900}
tr:last-child td{border-bottom:0}
.faq-list{display:grid;gap:12px}
details{border-radius:16px;padding:16px 18px}
summary{cursor:pointer;font-weight:900;color:#1e293b}
details p{color:#475569;margin-top:12px;margin-bottom:0}
.notice{background:#eff6ff;border:1px solid #bfdbfe;color:#1e3a8a;border-radius:var(--radius);padding:18px;margin-top:18px}
.disclaimer-box{background:#fff7ed;border:1px solid #fed7aa;color:#7c2d12;border-radius:var(--radius);padding:20px}
.ad-placeholder{background:#f8fafc;border:1px dashed #cbd5e1;color:#64748b;border-radius:16px;padding:18px;text-align:center;font-size:13px;margin:22px 0}
.footer{background:#0f172a;color:#cbd5e1;margin-top:40px}
.footer-inner{max-width:var(--max);margin:0 auto;padding:44px 20px 22px;display:grid;grid-template-columns:1.1fr .9fr .9fr;gap:28px}
.footer h3,.footer h4{color:#fff;letter-spacing:-.02em}
.footer a{color:#cbd5e1;display:block;margin-bottom:9px;font-size:14px}
.footer a:hover{color:#fff}
.copyright{max-width:var(--max);margin:0 auto;padding:18px 20px 30px;border-top:1px solid rgba(255,255,255,.1);color:#94a3b8;font-size:13px}
.mobile-menu-note{display:none}
.article-list{display:grid;gap:12px}
.article-link{display:flex;justify-content:space-between;gap:12px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:14px;padding:14px 16px}
.article-link:hover{border-color:var(--brand);box-shadow:0 8px 22px rgba(15,23,42,.06)}
.small{font-size:13px;color:var(--muted)}
@media(max-width:900px){
  .hero-inner,.two-col,.footer-inner{grid-template-columns:1fr}
  .hero-inner{padding-top:42px}
  .nav-links{display:none}
  .mobile-menu-note{display:block;font-size:12px;color:var(--muted)}
  .cards{grid-template-columns:1fr}
}
@media(max-width:640px){
  .topbar{font-size:12px}
  .nav-inner{padding:12px 16px}
  .logo{font-size:18px}
  .logo-mark{width:34px;height:34px}
  .hero-inner,.section{padding-left:16px;padding-right:16px}
  .hero-mini,.form-grid,.result-grid{grid-template-columns:1fr}
  .calculator-card{padding:18px;border-radius:20px}
  .content-card{padding:20px}
  h1{font-size:37px}
  .hero-text{font-size:16px}
  .btn{width:100%}
}